At the beginning of each year, we add that year's contribution. Growth and the modeled cost reduction are each applied to that balance. Any requested withdrawal comes out at year end. Contributions stop after your selected funding period. Growth stays constant within each scenario. Dollar amounts are nominal; inflation is not modeled.

This is a simplified cash-flow calculation. Actual policy charges, crediting terms, surrender charges, policy loans, taxes, death benefits, and underwriting are not calculated. A carrier illustration is needed to evaluate a specific policy. Results are not guaranteed.