Downloadable PDF copies of all original policy documents, including the final illustration for the 10-Pay Guideline Premium Test ("GPT") premium payment structure chosen to optimally maximum fund the policy
Original Policy (pdf)
DownloadIllustration* - no loans (pdf)
DownloadIllustration* - fixed interest loans (pdf)
DownloadIllustration* - variable interest loans (pdf)
DownloadPolicy Issue Confirmation (pdf)
DownloadNJ Guaranty Notice (pdf)
DownloadLife Insurance Buyers Guide (pdf)
DownloadBrochure - SP Global Alpha Index (pdf)
DownloadBrochure - SP Prism Index (pdf)
DownloadDownloadable PDF of the line items of projected costs and fees each year throughout the policy, and what the total projected costs and fees will be as a percentage of the cash value over the life of the policy
Fee Analysis (pdf)
DownloadDownloadable independent third-party analysis of the policy as performed by Steven Zeiger of KB Financial, using the Veralytic life insurance analytics/comparison software. This report should be read in conjunction with the original illustration above
Veralytic Report (pdf)
DownloadDownloadable PDF copies of the illustrations for alternate premium payment structures that could have been chosen, specifically a 7-Pay Cash Value Accumulation Test ("CVAT") structure and a 7-Pay Guideline Premium Test ("GPT") structure
* The policy was chosen to be funded via a 10-Pay GPT structure instead of a 7-Pay CVAT or GPT structure as the 10-Pay GPT structure is projected to eventually result in the highest accumulated cash value, hence the 10-Pay GPT structure is projected to most optimally maximum fund the policy
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