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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