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$1,000,000 | ||||
INSURANCE COMPARISON FOR AGE 33 | ||||
| AGE | TEN YEAR TERM | UNIVERSAL LIFE | TERM TO AGE 100 | |
| premium | @ 6% | cash value | premium | |
| (A) | (B) | (C) | (D) | |
| 34 | 720 | 3,766 | 2,870 | 3,175 |
| 35 | 720 | 3,766 | 5,905 | 3,175 |
| 36 | 720 | 3,766 | 9,126 | 3,175 |
| 37 | 720 | 3,766 | 12,533 | 3,175 |
| 38 | 720 | 3,766 | 16,127 | 3,175 |
| 39 | 720 | 3,766 | 19,881 | 3,175 |
| 40 | 720 | 3,766 | 23,803 | 3,175 |
| 41 | 720 | 3,766 | 27,925 | 3,175 |
| 42 | 720 | 3,766 | 32,209 | 3,175 |
| 43 | 720 | 3,766 | 36,687 | 3,175 |
| 44 | 2,770 | 3,766 | 36,887 | 3,175 |
| 48 | 2,770 | 3,766 | 64,361 | 3,175 |
| 53 | 2,770 | 3,766 | 99,899 | 3,175 |
| 54 | 6,010 | 3,776 | 99,899 | 3,175 |
| 58 | 6,010 | 3,776 | 144,353 | 3,175 |
| 60 | 6,010 | 3,766 | 144,353 | 3,175 |
| 63 | 6,010 | 3,766 | 199,847 | 3,175 |
| 64 | 17,240 | 3,766 | 199,847 | 3,175 |
| 68 | 17,240 | 3,766 | 261,553 | 3,175 |
| 73 | 17,240 | 3,766 | 328,116 | 3,175 |
| 74 | 55,090 | 3,766 | 328,116 | 3,175 |
| 75 | 55,090 | 3,766 | 328,116 | 3,175 |
| 80 | Policy cancels | 3,766 | 328,116 | 3,175 |
| 83 | Age 80 | 3,766 | 252,621 | 3,175 |
| 88 | 0 | 153,253 | 3,175 | |
| 93 | 0 | 217,799 | 3,175 | |
| 98 | 0 | 309,532 | 3,175 | |
| 0 | 309,532 | 3,175 | ||
| 100 | 0 | 356,259 | Policy cancels age 100 | |
| Maximum tax sheltering to $24,722 | ||||