2012 1 25 handouts
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT $169,954 Selected Face Amount Initial PAC (Monthly) Premium: $1,000.00 Initial Death Benefit Option: Increasing
Designed for: Dad Carlile Issue Age: 55 Male, Special Class Table All for 66 years, Non-Tobacco Coverage Summary
-=D;.:es~cn=:-:·~p.:;:ti::;;o=n=-:-
_
Initial Base Plan
Illustrated Direction
Basic Interest
Premium
Other Premium
Contract Premiums
Target Premium Minimum 7 PaylMEC
Strategies
Total Cash from Policy *
Policy Year
EOY Age
Key
1 2 3 4 5
56 57 58 59 60
M M M M M
12,000 12,000 12,000 12,000 12,000
0 0 0
6 7 8 9 10
61 62 63 64 65
M
12,000 12,000 12,000 12,000 12,000
0 0 0 0
M M M
120,000 11 12 13 14 15
*
66 67 68 69 70
0
AL AL AL AL AL
°
0 0 0
° 0
° 0
17,985 17,985 17,985 17,985 17,985
8.40%
premium
may be available.
$5,769.00 $3,227.64 $12,000.04
Gross Premium Outlay
M
100% remaining
From Age To Age 55 - Life of Insured
Non-Guar. Assumed 55+ 4.60%
$155.47 Monthly
Strategy:
Indexed Strategies: 1 Yr Monthly Cap (MCS):
Initial Amount $169,954
Guideline Guideline
Guaranteed at 2% (1)
$62,064.81 $15,077.39
Single Level
Non-Guaranteed Assumed (1)
Net Outlay
Account Value
Net Cash Value
Net Death Benefit
Account Value
Net Cash Value
Net Death Benefit
12,000 12,000 12,000 12,000 12,000
9,042 18,127 21,245 36,418 45,627
2,345 11,877 21,441 31,060 40,716
178,996 188,081 197,199 206,372 215,581
9,705 19,960 30,977 42,790 55,465
3,008 13,709 25,173 37,432 50,553
179,659 189,914 200,931 212,744 225,419
12,000 12,000 12,000 12,000 12,000
54,844 64,029 73,133 82,122 91,499
50,379 60,010 69,561 78,996 88,821
224,798 233,983 243,087 252,076 261,453
69,074 83,695 99,415 116,326 135,283
64,609 79,677 95,844 113,200 132,604
239,028 253,649 269,369 286,280 305,237
89,325 86,702 83,595
68,645 47,141 24,228 0 0
243,006 223,678 203,426 0 0
145,404 156,445 168,517 181,747 196,277
124,725 116,884 109,151 101,608 94,352
286,790 267,462 247,210 225,991 203,758
120,000 -17,985 -17,985 -17,985 -17,985 -17,985
° °
Cash can only be taken when Net Cash Value is greater than zero and, when taken, will reduce Net Cash Value and Net Death Benefit. Cash illustrated as taken in any Policy Year where Guaranteed Net Cash Value is illustrated as zero relates only to the Non-Guaranteed Assumed column. This is the annualized cash from policy, with loans taken in monthly increments.
(1) Beginning at the end of the 10th year and continuing in all subsequent years, an additional 0.60% of the average month-end Account Values (net of any fixed interest loans) for that year, is guaranteed to be credited to the policy. The policy must be in force at the end of the policy year to receive the credit for that year.
This report is for agent use only and must not be presented to a prospective client.
Form 2ECG10 January 25,2012,9:53
AM
DB: 29015.00035 SYS: 2.90.240 Version: 2.90.0.407W This is page 1 of 4 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT $243,049 Selected Face Amount Initial Monthly (Other) Premium: $500.00 Initial Death Benefit Option: .Increasing
Designed for: Son Carlile Issue Age: 29 Male, Premier Non-Tobacco Coverage Summary
~D:.:e~sc::r~ipl!.:t=::io~n~ Initial Base Plan
Initial Amount $243,049
_
From Age To Age 29 - Life of Insured
Non-Guar. Assumed
29+ Illustrated Direction
Premium
Basic Interest Strategy: Indexed Strategies: 1 Yr Monthly Cap (MCS):
$69.98 Monthly
4.60%
100% remaining premium
8.40%
Other Premium Strategies may be available. Contract
Premiums
Policy EOY Year Age Key 30 1 M 2 M 31 32 3 M 4 33 M 5 34 M 6 7 8 9 10
11
12 l3 14 15
35 36 37 38 39
40 41 42 43 44
M M M M M
Target Premium Minimum 7PaylMEC
Guaranteed at2% (1)
Gross Premium Outlay 6,000 6,000 6,000 6,000 6,000
Total Cash from Policy* 0 0 0 0 0
6,000 6,000 6,000 6,000 6,000
0 0 0 0 0
6,000 6,000 6,000 6,000 6,000
60,000
0
60,000
0 0 0 0 0
10,915 10,915 10,915 10,915 10,915
-10,915 -10,915 -10,915 -10,915 -10,915
AL AL AL AL AL
Guideline Single $25,254.14 Guideline Level $6,000.00
$1,932.00 $1,464.00 $6,497.68
Non-Guaranteed Assumed (1)
Net Cash Value 959 6,171 11,484 16,898 22,407
Net Death Benefit 247,901 252,853 257,907 263,061 268,311
Account Value 4,975 10,305 16,109 22,407 29,240
Net Cash Value 1,082 6,671 12,735 19,292 26,385
Net Death Benefit 248,024 253,354 259,158 265,456 272,289
30,612 36,062 41,607 47,249 53,285
28,017 33,727 39,530 45,433 51,728
273,661 279,111 284,656 290,298 296,334
36,653 44,695 53,419 62,882 73,556
34,058 42,359 51,343 61,065 71,998
279,702 287,744 296,468 305,931 316,605
53,739 54,183 54,610 55,012 0
41,246 30,220 18,616 6,400 0
285,139 273,409 261,118 248,240 0
79,897 86,822 94,384 102,640 111,652
67,404 62,859 58,389 54,027 49,806
305,410 293,680 281,389 268,511 255,018
Net Account Outlay Value 6,000 4,852 6,000 9,804 6,000 14,858 6,000 20,012 6,000 25,262
* Cash can only be taken when Net Cash Value is greater than zero and, when taken, will reduce Net Cash Value and Net Death Benefit. Cash illustrated as taken in any Policy Year where Guaranteed Net Cash Value is illustrated as zero relates only to the Non-Guaranteed Assumed column. This is the annualized cash from policy, with loans taken in monthly increments. (1) Beginning at the end of the 10th year and continuing in all subsequent years, an additional 0.60% of the average month-end Account Values (net of any fixed interest loans) for that year, is guaranteed to be credited to the policy. The policy must be in force at the end of the policy year to receive the credit for that year. This report is for agent use only and must not be presented to a prospective client.
Form2ECG10 January 25, 2012, 9:48 AM
DB: 29015.00035 SYS: 2.90.240 Version: 2.90.0.407W This is page 1 of 5 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT $414,082 Selected Face Amount Initial PAC (Monthly) Premium: $500.00 Initial Death Benefit Option: Increasing
Designed for: Daughter Carlile Issue Age: 24
Female, Premier Non-Tobacco Coverage Summary
.=D:..:e:.::::s.=;cr:..:i£P~ti~o=n Initial Base Plan
Initial From Age Amount . To Age $414,082 24 - Life of Insured
_
Non-Guar,
Illustrated Direction
Premium
Basic Interest Strategy: Indexed Strategies: 1 Yr Monthly Cap (MCS):
Assumed 24+ 4.60%
$79.43 Monthly
8.40%
100% remaining premium
Other Premium Strategies may be available. Contract
Policy Year
Premiums
EOY Age Key
Gross Premium Outlay
Total Cash from Policy*
Guaranteed at 2% (1) Account Value
Net Cash Value
Net Death Benefit
Account Value
Net Cash Value
Net Death Benefit
4,738 9,570 14,487 19,485 24,579
113 5,254 10,478 15,785 21,187
418,820 423,652 428,569 433,567 438,661
4,846 10,035 15,680 21,804 28,446
221 5,719 11,672 18,104 25,054
418,928 424,117 429,762 435,886 442,528
29,758 35,032 40,396 45,849 51,688
26,675 32,257 37,929 43,691 49,838
443,840 449,114 454,478 459,931 465,770
35,650 43,464 51,939 61,129 71,495
32,567 40,689 49,472 58,971 69,645
449,732 457,546 466,021 475,211 485,577
5i,935 52,159 52,364 52,541 0
39,507 28,633 17,195 5,158 0
454,884 443,478 431,527 419,004 0
77,673 84,416 91,775 99,804 108,566
65,246 60,891 56,606 52,422 48,372
474,691 463,285 451,334 438,811 425,691
25 26 27 28 29
M M M M M
6,000 6,000 6,000 6,000 6,000
° 0
6,000 6,000 6,000 6,000 6,000
6 7 8 9 10
30 31 32 33 34
M M M M M
6,000 6,000 6,000 6,000 6,000
0 0 0 0 0
6,000 6,000 6,000 6,000 6,000
0
60,000
10,613 10,613 10,613 10,613 10,613
-10,613 -10,613 -10,613 -10,613 -10,613
11 12 13 14 ]5
*
35 36 37 38 39
AL AL AL AL AL
0 0 0 0 0
0 0 0
--
Non-Guaranteed Assumed (1)
Net Outlay
1 2 3 4 5
60,000
Guideline Single $28,928.48 Guideline Level $6,000.01
$2,422.00 $1,697.16 $8,164.08
Target Premium Minimum 7 PaylMEC
Cash can only be taken when Net Cash Value is greater than zero and, when taken, will reduce Net Cash Value and Net Death .Benefit. Cash illustrated as taken in any Policy Year where Guaranteed Net Cash Value is illustrated as zero relates only to the Non-Guaranteed Assumed column. This is the annualized cash from policy, with loans taken in monthly increments.
(1) Beginning at the end of the 10th year and continuing in all subsequent years, an additional 0.60% of the average month-end Account Values (net of any fixed interest loans) for that year, is guaranteed to be credited to the policy. The policy must be in force at the end of the policy year to receive the credit for that year. .
This report is for agent use only and must not be presented to
Form2ECG10 January 25,2012, 10:03 AM
8
prospective client.
DB: 29015.00035 SYS: 2.90.240 Version: 2.90.0.407W This is page 1 of 5pages and is not valid unless all pages are included.
Designed for: Dad Carlile Issue Age: 55 Male, Special Class Table All for 66 years, Non-Tobacco Coverage Summary
-=D;.:es~cn=:-:·~p.:;:ti::;;o=n=-:-
_
Initial Base Plan
Illustrated Direction
Basic Interest
Premium
Other Premium
Contract Premiums
Target Premium Minimum 7 PaylMEC
Strategies
Total Cash from Policy *
Policy Year
EOY Age
Key
1 2 3 4 5
56 57 58 59 60
M M M M M
12,000 12,000 12,000 12,000 12,000
0 0 0
6 7 8 9 10
61 62 63 64 65
M
12,000 12,000 12,000 12,000 12,000
0 0 0 0
M M M
120,000 11 12 13 14 15
*
66 67 68 69 70
0
AL AL AL AL AL
°
0 0 0
° 0
° 0
17,985 17,985 17,985 17,985 17,985
8.40%
premium
may be available.
$5,769.00 $3,227.64 $12,000.04
Gross Premium Outlay
M
100% remaining
From Age To Age 55 - Life of Insured
Non-Guar. Assumed 55+ 4.60%
$155.47 Monthly
Strategy:
Indexed Strategies: 1 Yr Monthly Cap (MCS):
Initial Amount $169,954
Guideline Guideline
Guaranteed at 2% (1)
$62,064.81 $15,077.39
Single Level
Non-Guaranteed Assumed (1)
Net Outlay
Account Value
Net Cash Value
Net Death Benefit
Account Value
Net Cash Value
Net Death Benefit
12,000 12,000 12,000 12,000 12,000
9,042 18,127 21,245 36,418 45,627
2,345 11,877 21,441 31,060 40,716
178,996 188,081 197,199 206,372 215,581
9,705 19,960 30,977 42,790 55,465
3,008 13,709 25,173 37,432 50,553
179,659 189,914 200,931 212,744 225,419
12,000 12,000 12,000 12,000 12,000
54,844 64,029 73,133 82,122 91,499
50,379 60,010 69,561 78,996 88,821
224,798 233,983 243,087 252,076 261,453
69,074 83,695 99,415 116,326 135,283
64,609 79,677 95,844 113,200 132,604
239,028 253,649 269,369 286,280 305,237
89,325 86,702 83,595
68,645 47,141 24,228 0 0
243,006 223,678 203,426 0 0
145,404 156,445 168,517 181,747 196,277
124,725 116,884 109,151 101,608 94,352
286,790 267,462 247,210 225,991 203,758
120,000 -17,985 -17,985 -17,985 -17,985 -17,985
° °
Cash can only be taken when Net Cash Value is greater than zero and, when taken, will reduce Net Cash Value and Net Death Benefit. Cash illustrated as taken in any Policy Year where Guaranteed Net Cash Value is illustrated as zero relates only to the Non-Guaranteed Assumed column. This is the annualized cash from policy, with loans taken in monthly increments.
(1) Beginning at the end of the 10th year and continuing in all subsequent years, an additional 0.60% of the average month-end Account Values (net of any fixed interest loans) for that year, is guaranteed to be credited to the policy. The policy must be in force at the end of the policy year to receive the credit for that year.
This report is for agent use only and must not be presented to a prospective client.
Form 2ECG10 January 25,2012,9:53
AM
DB: 29015.00035 SYS: 2.90.240 Version: 2.90.0.407W This is page 1 of 4 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT $243,049 Selected Face Amount Initial Monthly (Other) Premium: $500.00 Initial Death Benefit Option: .Increasing
Designed for: Son Carlile Issue Age: 29 Male, Premier Non-Tobacco Coverage Summary
~D:.:e~sc::r~ipl!.:t=::io~n~ Initial Base Plan
Initial Amount $243,049
_
From Age To Age 29 - Life of Insured
Non-Guar. Assumed
29+ Illustrated Direction
Premium
Basic Interest Strategy: Indexed Strategies: 1 Yr Monthly Cap (MCS):
$69.98 Monthly
4.60%
100% remaining premium
8.40%
Other Premium Strategies may be available. Contract
Premiums
Policy EOY Year Age Key 30 1 M 2 M 31 32 3 M 4 33 M 5 34 M 6 7 8 9 10
11
12 l3 14 15
35 36 37 38 39
40 41 42 43 44
M M M M M
Target Premium Minimum 7PaylMEC
Guaranteed at2% (1)
Gross Premium Outlay 6,000 6,000 6,000 6,000 6,000
Total Cash from Policy* 0 0 0 0 0
6,000 6,000 6,000 6,000 6,000
0 0 0 0 0
6,000 6,000 6,000 6,000 6,000
60,000
0
60,000
0 0 0 0 0
10,915 10,915 10,915 10,915 10,915
-10,915 -10,915 -10,915 -10,915 -10,915
AL AL AL AL AL
Guideline Single $25,254.14 Guideline Level $6,000.00
$1,932.00 $1,464.00 $6,497.68
Non-Guaranteed Assumed (1)
Net Cash Value 959 6,171 11,484 16,898 22,407
Net Death Benefit 247,901 252,853 257,907 263,061 268,311
Account Value 4,975 10,305 16,109 22,407 29,240
Net Cash Value 1,082 6,671 12,735 19,292 26,385
Net Death Benefit 248,024 253,354 259,158 265,456 272,289
30,612 36,062 41,607 47,249 53,285
28,017 33,727 39,530 45,433 51,728
273,661 279,111 284,656 290,298 296,334
36,653 44,695 53,419 62,882 73,556
34,058 42,359 51,343 61,065 71,998
279,702 287,744 296,468 305,931 316,605
53,739 54,183 54,610 55,012 0
41,246 30,220 18,616 6,400 0
285,139 273,409 261,118 248,240 0
79,897 86,822 94,384 102,640 111,652
67,404 62,859 58,389 54,027 49,806
305,410 293,680 281,389 268,511 255,018
Net Account Outlay Value 6,000 4,852 6,000 9,804 6,000 14,858 6,000 20,012 6,000 25,262
* Cash can only be taken when Net Cash Value is greater than zero and, when taken, will reduce Net Cash Value and Net Death Benefit. Cash illustrated as taken in any Policy Year where Guaranteed Net Cash Value is illustrated as zero relates only to the Non-Guaranteed Assumed column. This is the annualized cash from policy, with loans taken in monthly increments. (1) Beginning at the end of the 10th year and continuing in all subsequent years, an additional 0.60% of the average month-end Account Values (net of any fixed interest loans) for that year, is guaranteed to be credited to the policy. The policy must be in force at the end of the policy year to receive the credit for that year. This report is for agent use only and must not be presented to a prospective client.
Form2ECG10 January 25, 2012, 9:48 AM
DB: 29015.00035 SYS: 2.90.240 Version: 2.90.0.407W This is page 1 of 5 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT $414,082 Selected Face Amount Initial PAC (Monthly) Premium: $500.00 Initial Death Benefit Option: Increasing
Designed for: Daughter Carlile Issue Age: 24
Female, Premier Non-Tobacco Coverage Summary
.=D:..:e:.::::s.=;cr:..:i£P~ti~o=n Initial Base Plan
Initial From Age Amount . To Age $414,082 24 - Life of Insured
_
Non-Guar,
Illustrated Direction
Premium
Basic Interest Strategy: Indexed Strategies: 1 Yr Monthly Cap (MCS):
Assumed 24+ 4.60%
$79.43 Monthly
8.40%
100% remaining premium
Other Premium Strategies may be available. Contract
Policy Year
Premiums
EOY Age Key
Gross Premium Outlay
Total Cash from Policy*
Guaranteed at 2% (1) Account Value
Net Cash Value
Net Death Benefit
Account Value
Net Cash Value
Net Death Benefit
4,738 9,570 14,487 19,485 24,579
113 5,254 10,478 15,785 21,187
418,820 423,652 428,569 433,567 438,661
4,846 10,035 15,680 21,804 28,446
221 5,719 11,672 18,104 25,054
418,928 424,117 429,762 435,886 442,528
29,758 35,032 40,396 45,849 51,688
26,675 32,257 37,929 43,691 49,838
443,840 449,114 454,478 459,931 465,770
35,650 43,464 51,939 61,129 71,495
32,567 40,689 49,472 58,971 69,645
449,732 457,546 466,021 475,211 485,577
5i,935 52,159 52,364 52,541 0
39,507 28,633 17,195 5,158 0
454,884 443,478 431,527 419,004 0
77,673 84,416 91,775 99,804 108,566
65,246 60,891 56,606 52,422 48,372
474,691 463,285 451,334 438,811 425,691
25 26 27 28 29
M M M M M
6,000 6,000 6,000 6,000 6,000
° 0
6,000 6,000 6,000 6,000 6,000
6 7 8 9 10
30 31 32 33 34
M M M M M
6,000 6,000 6,000 6,000 6,000
0 0 0 0 0
6,000 6,000 6,000 6,000 6,000
0
60,000
10,613 10,613 10,613 10,613 10,613
-10,613 -10,613 -10,613 -10,613 -10,613
11 12 13 14 ]5
*
35 36 37 38 39
AL AL AL AL AL
0 0 0 0 0
0 0 0
--
Non-Guaranteed Assumed (1)
Net Outlay
1 2 3 4 5
60,000
Guideline Single $28,928.48 Guideline Level $6,000.01
$2,422.00 $1,697.16 $8,164.08
Target Premium Minimum 7 PaylMEC
Cash can only be taken when Net Cash Value is greater than zero and, when taken, will reduce Net Cash Value and Net Death .Benefit. Cash illustrated as taken in any Policy Year where Guaranteed Net Cash Value is illustrated as zero relates only to the Non-Guaranteed Assumed column. This is the annualized cash from policy, with loans taken in monthly increments.
(1) Beginning at the end of the 10th year and continuing in all subsequent years, an additional 0.60% of the average month-end Account Values (net of any fixed interest loans) for that year, is guaranteed to be credited to the policy. The policy must be in force at the end of the policy year to receive the credit for that year. .
This report is for agent use only and must not be presented to
Form2ECG10 January 25,2012, 10:03 AM
8
prospective client.
DB: 29015.00035 SYS: 2.90.240 Version: 2.90.0.407W This is page 1 of 5pages and is not valid unless all pages are included.
