Hypothetical Effective Annual Rates of Return

The chart below illustrates the effective rate of return for two scenarios: 100% Total Return, 150% Total Return.

Policy with 100% Total Fixed Return*

Years to
Maturity
Amount
Invested
Death Benefit
Interest
Simple Effective
Annual Rate of Return
1 $100,000 $200,000 100%
2 — $200,000 50%
3 — $200,000 33.33%
4 — $200,000 25%
5 — $200,000 20%
6 — $200,000 16%
7 — $200,000 14.28%
8 — $200,000 12.5%
9 — $200,000 11.11%
10 — $200,000 10%

 

Policy with 150% Total Fixed Return*

Years to
Maturity
Amount
Invested
Death Benefit
Interest
Simple Effective
Annual Rate of Return
1 $100,000 $250,000 150%
2 — $250,000 75%
3 — $250,000 50%
4 — $250,000 37.5%
5 — $250,000 30%
6 — $250,000 25%
7 — $250,000 21.42%
8 — $250,000 18.75%
9 — $250,000 16.66%
10 — $250,000 15%

* Minimum $20,000 investment; illustration based on a $100,000 investment

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