Team Meeting 10 5 Handouts
Systematic Withdrawals …Repositioning Qualified Money…IRC 72 (t)
Client
IRA
RMD/Taxes
Possible Penalties
Annuity
Systematic withdrawal
Taxed now No penalty
IUL Reposition IRA to Annuity
Tax Advantaged Cash Flow
Tax Free Death Benefit
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco Coverage Summary
Illustrated Premium Direction
$243,917 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Level Initial Amount $243,917
Description Initial Base Plan
Basic Interest Strategy: Indexed Strategies: 1 Yr Monthly Cap (MCS):
From Age To Age 60 - Life of Insured
Non-Guar. Assumed 60+ 4.85%
$3,712.62 Annually 100% remaining premium
8.70%
Other Premium Strategies may be available. Contract Premiums
Target Premium $9,969.00 Minimum $6,259.47 7 Pay/MEC $18,882.59
Guideline Single $104,456.07 Guideline Level $10,000.03
Guaranteed at 2% (1)
Non-Guaranteed Assumed (1)
Gross Premium Outlay 10,000 10,000 10,000 10,000 10,000
Total Cash from Policy* 0 0 0 0 0
Net Outlay 10,000 10,000 10,000 10,000 10,000
Account Value 4,911 9,728 14,407 18,919 23,257
Net Cash Value 0 0 4,165 9,466 14,591
Net Death Benefit 243,917 243,917 243,917 243,917 243,917
Account Value 6,259 12,836 19,776 27,129 34,949
Net Cash Value 0 1,807 9,535 17,675 26,283
Net Death Benefit 243,917 243,917 243,917 243,917 243,917
Policy Year 1 2 3 4 5
EOY Age 61 62 63 64 65
Key A A A A A
6 7 8 9 10
66 67 68 69 70
A A A A A
10,000 10,000 10,000 10,000 10,000 _______ 100,000
0 0 0 0 0 _______ 0
10,000 10,000 10,000 10,000 10,000 ________ 100,000
27,409 31,376 35,159 38,738 42,374
19,531 24,286 28,857 33,224 37,647
243,917 243,917 243,917 243,917 243,917
43,299 52,251 61,882 72,282 84,030
35,421 45,160 55,579 66,767 79,303
243,917 243,917 243,917 243,917 243,917
11 12 13 14 15
71 72 73 74 75
A AL AL AL AL
10,000 0 0 0 0
0 11,568 11,568 11,568 11,568
10,000 –11,568 –11,568 –11,568 –11,568
45,755 38,928 31,048 0 0
41,816 23,877 4,252 0 0
243,917 232,018 219,485 0 0
99,811 106,395 113,554 121,367 129,924
95,872 91,345 86,758 82,158 77,599
243,917 232,018 219,485 206,284 192,379
* 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 October 5, 2011, 8:29 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W This is page 1 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
$243,917 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Level Guaranteed at 2% (1)
Non-Guaranteed Assumed (1)
Total Cash from Policy* 11,568 11,568 11,568 11,568 11,568 _______ 104,109
Net Outlay –11,568 –11,568 –11,568 –11,568 –11,568 ________ 5,891
Account Value 0 0 0 0 0
Net Cash Value 0 0 0 0 0
Net Death Benefit 0 0 0 0 0
Account Value 139,332 149,573 160,760 173,001 186,447
Net Cash Value 73,148 67,963 62,901 58,028 53,447
Net Death Benefit 177,733 162,307 146,058 128,944 110,917
Policy Year 16 17 18 19 20
EOY Age 76 77 78 79 80
Key AL AL AL AL AL
Gross Premium Outlay 0 0 0 0 0 _______ 110,000
21 22 23 24 25
81 82 83 84 85
AL AL AL AL AL
0 0 0 0 0
11,568 11,568 11,568 11,568 11,568
–11,568 –11,568 –11,568 –11,568 –11,568
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
201,361 218,043 236,902 258,182 281,311
49,374 46,057 43,850 42,942 42,700
91,930 71,930 55,695 55,851 56,766
26 27 28 29 30
86 87 88 89 90
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
11,568 11,568 11,568 11,568 11,568 _______ 219,786
–11,568 –11,568 –11,568 –11,568 –11,568 ________ –109,786
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
306,363 333,474 362,776 394,408 428,511
43,136 44,319 46,312 49,178 52,982
58,454 60,992 64,450 68,898 74,408
31 32 33 34 35
91 92 93 94 95
AL AL AL AL AL
0 0 0 0 0
11,568 11,568 11,568 11,568 11,568
–11,568 –11,568 –11,568 –11,568 –11,568
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
465,247 505,349 549,214 597,287 649,237
57,805 64,292 72,751 83,531 96,201
76,414 79,453 83,736 95,477 109,186
36 37 38 39 40
96 97 98 99 100
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
11,568 11,568 11,568 11,568 11,568 _______ 335,462
–11,568 –11,568 –11,568 –11,568 –11,568 ________ –225,462
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
705,309 765,813 831,035 901,267 976,810
110,899 127,823 147,143 169,028 193,646
125,005 143,140 163,764 187,053 213,182
* 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 October 5, 2011, 8:29 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W This is page 2 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
$243,917 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Level Guaranteed at 2% (1)
Non-Guaranteed Assumed (1)
Gross Premium Outlay 0 0 0 0 0
Total Cash from Policy* 11,568 11,568 11,568 11,568 11,568
Net Outlay –11,568 –11,568 –11,568 –11,568 –11,568
Account Value 0 0 0 0 0
Net Cash Value 0 0 0 0 0
Net Death Benefit 0 0 0 0 0
Account Value 1,057,963 1,144,927 1,237,739 1,336,553 1,441,481
Net Cash Value 221,160 251,626 284,928 321,062 359,969
Net Death Benefit 242,319 274,524 309,683 347,793 388,798
Policy Year 41 42 43 44 45
EOY Age 101 102 103 104 105
Key AL AL AL AL AL
46 47 48 49 50
106 107 108 109 110
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
11,568 11,568 11,568 11,568 11,568 _______ 451,139
–11,568 –11,568 –11,568 –11,568 –11,568 ________ –341,139
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
1,552,591 1,669,874 1,793,238 1,922,495 2,057,342
401,538 445,575 491,789 539,784 589,038
432,590 478,972 527,654 578,234 630,184
51 52 53 54 55
111 112 113 114 115
AL AL AL AL AL
0 0 0 0 0
11,568 11,568 11,568 11,568 11,568
–11,568 –11,568 –11,568 –11,568 –11,568
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
2,197,344 2,341,916 2,490,300 2,642,179 2,801,193
638,885 688,496 736,860 783,387 831,434
682,832 735,335 786,666 836,231 887,458
56 57 58 59 60
116 117 118 119 120
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
11,568 11,568 11,568 11,568 11,568 _______ 566,816
–11,568 –11,568 –11,568 –11,568 –11,568 ________ –456,816
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
2,954,875 3,110,543 3,270,742 3,432,608 3,593,080
868,236 900,793 931,321 956,604 973,213
927,333 963,004 996,736 1,025,256 1,045,075
61
121
AL
0 _______ 110,000
11,568 _______ 578,384
–11,568 ________ –468,383
0
0
0
3,730,020
958,624
1,033,225
Key: A = Annual Prems S = Semi-Annual Prems Q = Quarterly Prems M = Monthly/PAC Prems L = Monthly Loans^ R = Loan Repayment W = Withdrawal I = Interest Paid Out of Pocket F = Force Out P = Exercise of LP Rider
^ Loan interest is reflected as a reduction to the Net Cash Value and Net Death Benefit.
* 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 October 5, 2011, 8:29 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W This is page 3 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy vs 4 Funds Lifetime Builder Series III Issue State: UT Designed for: Jim Client $129,176 Selected Face Amount Issue Age: 60 Initial Annual Premium: $10,000.00 Male, Standard Non-Tobacco Initial Death Benefit Option: Increasing Supplemental Report Description: This report compares the policy's projected cash surrender value to four hypothetical investment funds. This report assumes a Tax Bracket of 28%. Non-Guaranteed Policy Values Assumed End of Year
Age
Annual Outlay
Taxable Fund @ 4.00%
Taxable Fund @ 6.00%
Taxable Fund @ 8.00%
Tax-Free Fund @ 4.00%
Surr. Cash Value
Death Benefit
1 2 3 4 5
61 62 63 64 65
10,000 10,000 10,000 10,000 10,000
10,288 20,872 31,761 42,964 54,490
10,432 21,315 32,667 44,511 56,866
10,576 21,761 33,591 46,101 59,333
10,400 21,216 32,465 44,163 56,330
1,947 11,136 20,944 31,423 42,631
137,381 146,153 155,544 165,605 176,397
6 7 8 9 10
66 67 68 69 70
10,000 10,000 10,000 10,000 10,000 ________ 100,000
66,347 78,546 91,096 104,007 117,291
69,754 83,200 97,226 111,858 127,122
73,326 88,126 103,778 120,332 137,839
68,983 82,142 95,828 110,061 124,864
54,633 67,498 81,300 96,121 112,695
187,981 200,429 213,813 228,217 244,375
11 12 13 14 15
71 72 73 74 75
10,000 –17,648 –17,648 –17,648 –17,648
130,957 116,572 101,772 86,547 70,883
143,046 130,815 118,055 104,744 90,859
156,354 146,696 136,480 125,677 114,251
140,258 127,514 114,260 100,477 86,141
132,314 124,997 117,757 110,684 103,886
244,375 226,221 207,100 186,959 165,746
16 17 18 19 20
76 77 78 79 80
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –48,835
54,767 38,188 21,131 3,583 0
76,373 61,262 45,497 29,052 11,896
102,167 89,387 75,870 61,576 46,458
71,233 55,728 39,603 22,832 5,392
97,490 91,173 85,556 80,839 76,636
143,401 119,866 97,299 93,651 90,614
Rate of Return Needed to Match Lifetime Builder Series III in Year 20: Assumed Surr. Cash Value Assumed Death Benefit * The interest on this financial instrument is taxable as earned.
$76,636 $90,614
Taxable Fund* 9.40% 9.98%
Tax Free Fund 6.77% 7.18%
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 1 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy vs 4 Funds Lifetime Builder Series III Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
$129,176 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Increasing Non-Guaranteed Policy Values Assumed
End of Year
Age
Annual Outlay
Taxable Fund @ 4.00%
Taxable Fund @ 6.00%
Taxable Fund @ 8.00%
Tax-Free Fund @ 4.00%
Surr. Cash Value
Death Benefit
21 22 23 24 25
81 82 83 84 85
–17,648 –17,648 –17,648 –17,648 –17,648
0 0 0 0 0
0 0 0 0 0
30,469 13,559 0 0 0
0 0 0 0 0
73,002 70,013 67,752 66,304 65,769
88,247 86,633 85,866 86,039 87,260
26 27 28 29 30
86 87 88 89 90
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –225,318
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
66,217 67,750 70,457 74,428 79,752
89,607 93,195 98,121 104,484 112,386
31 32 33 34 35
91 92 93 94 95
–17,648 –17,648 –17,648 –17,648 –17,648
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
86,547 95,796 107,950 123,524 141,863
114,874 118,857 124,647 141,670 161,575
36 37 38 39 40
96 97 98 99 100
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –401,802
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
163,163 187,722 215,783 247,591 283,387
184,564 210,944 240,967 274,886 312,952
41 42 43 44 45
101 102 103 104 105
–17,648 –17,648 –17,648 –17,648 –17,648
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
323,406 367,704 416,073 468,483 524,822
355,407 402,316 453,468 508,839 568,319
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 2 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy vs 4 Funds Lifetime Builder Series III Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
$129,176 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Increasing Non-Guaranteed Policy Values Assumed
End of Year
Taxable Fund @ 4.00%
Taxable Fund @ 6.00%
Taxable Fund @ 8.00%
Tax-Free Fund @ 4.00%
Surr. Cash Value
Death Benefit
Age
46 47 48 49 50
106 107 108 109 110
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –578,285
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
584,901 648,399 714,853 783,638 853,938
631,721 698,724 768,862 841,502 915,819
51 52 53 54 55
111 112 113 114 115
–17,648 –17,648 –17,648 –17,648 –17,648
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
924,721 994,710 1,062,350 1,126,406 1,192,702
990,769 1,065,055 1,137,100 1,205,651 1,276,660
56 57 58 59 60
116 117 118 119 120
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –754,768
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
1,241,362 1,282,502 1,320,643 1,349,764 1,362,921
1,329,859 1,375,579 1,418,439 1,452,310 1,470,120
61
121
–17,648 ________ –772,416
0
0
0
0
1,344,756
1,456,216
Annual Outlay
Many "tax-free" funds are still subject to state income taxes. This illustration does not take state income taxes into account. The life insurance cash value and death benefit are based on an interest rate of 7.87% to age 61, 8.22% to age 62, 8.36% to age 63, 8.44% to age 64, 8.48% to age 65, 8.51% to age 66, 8.54% to age 67, 8.56% to age 68, 8.57% to age 69, 8.58% to age 70, 8.64% to age 71, and 8.70% to age 121. Tax Advantages of Lifetime Builder Series III Under certain provisions of the Internal Revenue Code, death benefits are received income tax free, and life insurance cash values accumulate income tax deferred. Policy loans and withdrawals are not always income tax free. You should seek independent tax advice from a qualified tax specialist or attorney.
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 3 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco Coverage Summary
Illustrated Premium Direction
$129,176 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Increasing Initial Amount $129,176
Description Initial Base Plan
Basic Interest Strategy: Indexed Strategies: 1 Yr Monthly Cap (MCS):
From Age To Age 60 - Life of Insured
Non-Guar. Assumed 60+ 4.85%
$2,036.90 Annually 100% remaining premium
8.70%
Other Premium Strategies may be available. Contract Premiums
Policy EOY Year Age Key 1 61 A 2 62 A 3 63 A 4 64 A 5 65 A
Target Premium $5,279.00 Minimum $3,363.40 7 Pay/MEC $10,000.03
Gross Premium Outlay 10,000 10,000 10,000 10,000 10,000
Total Cash from Policy* 0 0 0 0 0
Guideline Single $55,848.65 Guideline Level $11,958.21
Guaranteed at 2% (1) Net Account Outlay Value 10,000 7,031 10,000 14,072 10,000 21,092 10,000 28,072 10,000 35,002
Non-Guaranteed Assumed (1)
Net Cash Value 773 8,231 15,669 23,066 30,413
Net Death Benefit 136,207 143,248 150,268 157,248 164,178
Account Value 8,205 16,977 26,368 36,429 47,221
Net Cash Value 1,947 11,136 20,944 31,423 42,631
Net Death Benefit 137,381 146,153 155,544 165,605 176,397
6 7 8 9 10
66 67 68 69 70
A A A A A
10,000 10,000 10,000 10,000 10,000 _______ 100,000
0 0 0 0 0 _______ 0
10,000 10,000 10,000 10,000 10,000 ________ 100,000
41,869 48,670 55,399 62,040 69,001
37,697 44,915 52,062 59,120 66,498
171,045 177,846 184,575 191,216 198,177
58,805 71,253 84,637 99,041 115,199
54,633 67,498 81,300 96,121 112,695
187,981 200,429 213,813 228,217 244,375
11 12 13 14 15
71 72 73 74 75
A AL AL AL AL
10,000 0 0 0 0
0 17,648 17,648 17,648 17,648
10,000 –17,648 –17,648 –17,648 –17,648
76,060 73,291 69,958 65,982 0
73,974 53,468 31,431 7,733 0
198,177 180,023 160,902 140,761 0
134,400 144,820 156,284 168,934 182,932
132,314 124,997 117,757 110,684 103,886
244,375 226,221 207,100 186,959 165,746
* 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 October 5, 2011, 8:34 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W This is page 1 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
Policy EOY Year Age Key 16 76 AL 17 77 AL 18 78 AL 19 79 AL 20 80 AL
$129,176 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Increasing
Gross Premium Outlay 0 0 0 0 0 _______ 110,000
Total Cash from Policy* 17,648 17,648 17,648 17,648 17,648 _______ 158,835
Guaranteed at 2% (1) Net Account Outlay Value –17,648 0 –17,648 0 –17,648 0 –17,648 0 –17,648 0 ________ –48,835
Non-Guaranteed Assumed (1)
Net Cash Value 0 0 0 0 0
Net Death Benefit 0 0 0 0 0
Account Value 198,464 215,682 234,855 256,249 279,549
Net Cash Value 97,490 91,173 85,556 80,839 76,636
Net Death Benefit 143,401 119,866 97,299 93,651 90,614
21 22 23 24 25
81 82 83 84 85
AL AL AL AL AL
0 0 0 0 0
17,648 17,648 17,648 17,648 17,648
–17,648 –17,648 –17,648 –17,648 –17,648
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
304,883 332,406 362,283 394,687 429,808
73,002 70,013 67,752 66,304 65,769
88,247 86,633 85,866 86,039 87,260
26 27 28 29 30
86 87 88 89 90
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
17,648 17,648 17,648 17,648 17,648 _______ 335,318
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –225,318
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
467,811 508,902 553,275 601,132 652,682
66,217 67,750 70,457 74,428 79,752
89,607 93,195 98,121 104,484 112,386
31 32 33 34 35
91 92 93 94 95
AL AL AL AL AL
0 0 0 0 0
17,648 17,648 17,648 17,648 17,648
–17,648 –17,648 –17,648 –17,648 –17,648
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
708,166 768,699 834,870 907,340 985,608
86,547 95,796 107,950 123,524 141,863
114,874 118,857 124,647 141,670 161,575
36 37 38 39 40
96 97 98 99 100
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
17,648 17,648 17,648 17,648 17,648 _______ 511,802
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –401,802
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
1,070,031 1,161,077 1,259,168 1,364,739 1,478,230
163,163 187,722 215,783 247,591 283,387
184,564 210,944 240,967 274,886 312,952
* 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 October 5, 2011, 8:34 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W This is page 2 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
Policy EOY Year Age Key 41 101 AL 42 102 AL 43 103 AL 44 104 AL 45 105 AL
$129,176 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Increasing
Gross Premium Outlay 0 0 0 0 0
Total Cash from Policy* 17,648 17,648 17,648 17,648 17,648
Guaranteed at 2% (1) Net Account Outlay Value –17,648 0 –17,648 0 –17,648 0 –17,648 0 –17,648 0
Non-Guaranteed Assumed (1)
Net Cash Value 0 0 0 0 0
Net Death Benefit 0 0 0 0 0
Account Value 1,600,083 1,730,578 1,869,738 2,017,777 2,174,842
Net Cash Value 323,406 367,704 416,073 468,483 524,822
Net Death Benefit 355,407 402,316 453,468 508,839 568,319
46 47 48 49 50
106 107 108 109 110
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
17,648 17,648 17,648 17,648 17,648 _______ 688,285
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –578,285
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
2,341,016 2,516,263 2,700,422 2,893,185 3,094,071
584,901 648,399 714,853 783,638 853,938
631,721 698,724 768,862 841,502 915,819
51 52 53 54 55
111 112 113 114 115
AL AL AL AL AL
0 0 0 0 0
17,648 17,648 17,648 17,648 17,648
–17,648 –17,648 –17,648 –17,648 –17,648
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
3,302,400 3,517,265 3,737,504 3,962,290 4,197,884
924,721 994,710 1,062,350 1,126,406 1,192,702
990,769 1,065,055 1,137,100 1,205,651 1,276,660
56 57 58 59 60
116 117 118 119 120
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
17,648 17,648 17,648 17,648 17,648 _______ 864,768
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –754,768
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
4,424,864 4,653,829 4,889,804 5,127,304 5,359,946
1,241,362 1,282,502 1,320,643 1,349,764 1,362,921
1,329,859 1,375,579 1,418,439 1,452,310 1,470,120
61
121
AL
0 _______ 110,000
17,648 _______ 882,416
–17,648 ________ –772,416
0
0
0
5,572,964
1,344,756
1,456,216
Key: A = Annual Prems S = Semi-Annual Prems Q = Quarterly Prems M = Monthly/PAC Prems L = Monthly Loans^ R = Loan Repayment W = Withdrawal I = Interest Paid Out of Pocket F = Force Out P = Exercise of LP Rider
^ Loan interest is reflected as a reduction to the Net Cash Value and Net Death Benefit.
* 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 October 5, 2011, 8:34 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W This is page 3 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy Values Lifetime Builder Series III Issue State: UT Designed for: Jim Client $243,917 Selected Face Amount Issue Age: 60 Initial Annual Premium: $10,000.00 Male, Standard Non-Tobacco Initial Death Benefit Option: Level Supplemental Report Description: This report shows both the account value and cash surrender value, and lists the schedule of surrender charges for the illustrated policy. Non-Guaranteed Assumed End of Year
Modal Premium
Times Per Year
Annual Premium
Cash From Policy
Age
1 2 3 4 5
Annual Outlay
Surr Cash Value
Surr Charge
Account Value
Net Death Benefit
61 62 63 64 65
10,000 10,000 10,000 10,000 10,000
1 1 1 1 1
10,000 10,000 10,000 10,000 10,000
0 0 0 0 0
10,000 10,000 10,000 10,000 10,000
0 1,807 9,535 17,675 26,283
11,817 11,029 10,241 9,454 8,666
6,259 12,836 19,776 27,129 34,949
243,917 243,917 243,917 243,917 243,917
6 7 8 9 10
66 67 68 69 70
10,000 10,000 10,000 10,000 10,000
1 1 1 1 1
10,000 10,000 10,000 10,000 10,000 ________ 100,000
0 0 0 0 0 ______ 0
10,000 10,000 10,000 10,000 10,000 ________ 100,000
35,421 45,160 55,579 66,767 79,303
7,878 7,090 6,302 5,515 4,727
43,299 52,251 61,882 72,282 84,030
243,917 243,917 243,917 243,917 243,917
11 12 13 14 15
71 72 73 74 75
10,000 0 0 0 0
1 1 1 1 1
10,000 0 0 0 0
0 11,568 11,568 11,568 11,568
10,000 –11,568 –11,568 –11,568 –11,568
95,872 91,345 86,758 82,158 77,599
3,939 3,151 2,363 1,576 788
99,811 106,395 113,554 121,367 129,924
243,917 232,018 219,485 206,284 192,379
16 17 18 19 20
76 77 78 79 80
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
11,568 11,568 11,568 11,568 11,568 ______ 104,109
–11,568 –11,568 –11,568 –11,568 –11,568 ________ 5,891
73,148 67,963 62,901 58,028 53,447
0 0 0 0 0
139,332 149,573 160,760 173,001 186,447
177,733 162,307 146,058 128,944 110,917
21 22 23 24 25
81 82 83 84 85
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
11,568 11,568 11,568 11,568 11,568
–11,568 –11,568 –11,568 –11,568 –11,568
49,374 46,057 43,850 42,942 42,700
0 0 0 0 0
201,361 218,043 236,902 258,182 281,311
91,930 71,930 55,695 55,851 56,766
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 1 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy Values Lifetime Builder Series III Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
$243,917 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Level Non-Guaranteed Assumed
End of Year
Age
Modal Premium
Times Per Year
Annual Premium
Cash From Policy
Annual Outlay
Surr Cash Value
Surr Charge
Account Value
Net Death Benefit
26 27 28 29 30
86 87 88 89 90
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
11,568 11,568 11,568 11,568 11,568 ______ 219,786
–11,568 –11,568 –11,568 –11,568 –11,568 ________ –109,786
43,136 44,319 46,312 49,178 52,982
0 0 0 0 0
306,363 333,474 362,776 394,408 428,511
58,454 60,992 64,450 68,898 74,408
31 32 33 34 35
91 92 93 94 95
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
11,568 11,568 11,568 11,568 11,568
–11,568 –11,568 –11,568 –11,568 –11,568
57,805 64,292 72,751 83,531 96,201
0 0 0 0 0
465,247 505,349 549,214 597,287 649,237
76,414 79,453 83,736 95,477 109,186
36 37 38 39 40
96 97 98 99 100
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
11,568 11,568 11,568 11,568 11,568 ______ 335,462
–11,568 –11,568 –11,568 –11,568 –11,568 ________ –225,462
110,899 127,823 147,143 169,028 193,646
0 0 0 0 0
705,309 765,813 831,035 901,267 976,810
125,005 143,140 163,764 187,053 213,182
41 42 43 44 45
101 102 103 104 105
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
11,568 11,568 11,568 11,568 11,568
–11,568 –11,568 –11,568 –11,568 –11,568
221,160 251,626 284,928 321,062 359,969
0 0 0 0 0
1,057,963 1,144,927 1,237,739 1,336,553 1,441,481
242,319 274,524 309,683 347,793 388,798
46 47 48 49 50
106 107 108 109 110
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
11,568 11,568 11,568 11,568 11,568 ______ 451,139
–11,568 –11,568 –11,568 –11,568 –11,568 ________ –341,139
401,538 445,575 491,789 539,784 589,038
0 0 0 0 0
1,552,591 1,669,874 1,793,238 1,922,495 2,057,342
432,590 478,972 527,654 578,234 630,184
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 2 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy Values Lifetime Builder Series III Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
$243,917 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Level Non-Guaranteed Assumed
End of Year
Age
Modal Premium
Times Per Year
Annual Premium
Cash From Policy
Annual Outlay
Surr Cash Value
Surr Charge
Account Value
Net Death Benefit
51 52 53 54 55
111 112 113 114 115
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
11,568 11,568 11,568 11,568 11,568
–11,568 –11,568 –11,568 –11,568 –11,568
638,885 688,496 736,860 783,387 831,434
0 0 0 0 0
2,197,344 2,341,916 2,490,300 2,642,179 2,801,193
682,832 735,335 786,666 836,231 887,458
56 57 58 59 60
116 117 118 119 120
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
11,568 11,568 11,568 11,568 11,568 ______ 566,816
–11,568 –11,568 –11,568 –11,568 –11,568 ________ –456,816
868,236 900,793 931,321 956,604 973,213
0 0 0 0 0
2,954,875 3,110,543 3,270,742 3,432,608 3,593,080
927,333 963,004 996,736 1,025,256 1,045,075
61
121
0
1
0 ________ 110,000
11,568 ______ 578,384
–11,568 ________ –468,383
958,624
0
3,730,020
1,033,225
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 3 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy Values Lifetime Builder Series III Issue State: UT Designed for: Jim Client $129,176 Selected Face Amount Issue Age: 60 Initial Annual Premium: $10,000.00 Male, Standard Non-Tobacco Initial Death Benefit Option: Increasing Supplemental Report Description: This report shows both the account value and cash surrender value, and lists the schedule of surrender charges for the illustrated policy. Non-Guaranteed Assumed End of Year
Modal Premium
Times Per Year
Annual Premium
Cash From Policy
Age
1 2 3 4 5
Annual Outlay
Surr Cash Value
Surr Charge
Account Value
Net Death Benefit
61 62 63 64 65
10,000 10,000 10,000 10,000 10,000
1 1 1 1 1
10,000 10,000 10,000 10,000 10,000
0 0 0 0 0
10,000 10,000 10,000 10,000 10,000
1,947 11,136 20,944 31,423 42,631
6,258 5,841 5,424 5,006 4,589
8,205 16,977 26,368 36,429 47,221
137,381 146,153 155,544 165,605 176,397
6 7 8 9 10
66 67 68 69 70
10,000 10,000 10,000 10,000 10,000
1 1 1 1 1
10,000 10,000 10,000 10,000 10,000 ________ 100,000
0 0 0 0 0 ______ 0
10,000 10,000 10,000 10,000 10,000 ________ 100,000
54,633 67,498 81,300 96,121 112,695
4,172 3,755 3,338 2,920 2,503
58,805 71,253 84,637 99,041 115,199
187,981 200,429 213,813 228,217 244,375
11 12 13 14 15
71 72 73 74 75
10,000 0 0 0 0
1 1 1 1 1
10,000 0 0 0 0
0 17,648 17,648 17,648 17,648
10,000 –17,648 –17,648 –17,648 –17,648
132,314 124,997 117,757 110,684 103,886
2,086 1,669 1,252 834 417
134,400 144,820 156,284 168,934 182,932
244,375 226,221 207,100 186,959 165,746
16 17 18 19 20
76 77 78 79 80
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
17,648 17,648 17,648 17,648 17,648 ______ 158,835
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –48,835
97,490 91,173 85,556 80,839 76,636
0 0 0 0 0
198,464 215,682 234,855 256,249 279,549
143,401 119,866 97,299 93,651 90,614
21 22 23 24 25
81 82 83 84 85
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
17,648 17,648 17,648 17,648 17,648
–17,648 –17,648 –17,648 –17,648 –17,648
73,002 70,013 67,752 66,304 65,769
0 0 0 0 0
304,883 332,406 362,283 394,687 429,808
88,247 86,633 85,866 86,039 87,260
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 1 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy Values Lifetime Builder Series III Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
$129,176 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Increasing Non-Guaranteed Assumed
End of Year
Age
Modal Premium
Times Per Year
Annual Premium
Cash From Policy
Annual Outlay
Surr Cash Value
Surr Charge
Account Value
Net Death Benefit
26 27 28 29 30
86 87 88 89 90
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
17,648 17,648 17,648 17,648 17,648 ______ 335,318
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –225,318
66,217 67,750 70,457 74,428 79,752
0 0 0 0 0
467,811 508,902 553,275 601,132 652,682
89,607 93,195 98,121 104,484 112,386
31 32 33 34 35
91 92 93 94 95
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
17,648 17,648 17,648 17,648 17,648
–17,648 –17,648 –17,648 –17,648 –17,648
86,547 95,796 107,950 123,524 141,863
0 0 0 0 0
708,166 768,699 834,870 907,340 985,608
114,874 118,857 124,647 141,670 161,575
36 37 38 39 40
96 97 98 99 100
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
17,648 17,648 17,648 17,648 17,648 ______ 511,802
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –401,802
163,163 187,722 215,783 247,591 283,387
0 0 0 0 0
1,070,031 1,161,077 1,259,168 1,364,739 1,478,230
184,564 210,944 240,967 274,886 312,952
41 42 43 44 45
101 102 103 104 105
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
17,648 17,648 17,648 17,648 17,648
–17,648 –17,648 –17,648 –17,648 –17,648
323,406 367,704 416,073 468,483 524,822
0 0 0 0 0
1,600,083 1,730,578 1,869,738 2,017,777 2,174,842
355,407 402,316 453,468 508,839 568,319
46 47 48 49 50
106 107 108 109 110
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
17,648 17,648 17,648 17,648 17,648 ______ 688,285
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –578,285
584,901 648,399 714,853 783,638 853,938
0 0 0 0 0
2,341,016 2,516,263 2,700,422 2,893,185 3,094,071
631,721 698,724 768,862 841,502 915,819
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 2 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy Values Lifetime Builder Series III Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
$129,176 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Increasing Non-Guaranteed Assumed
End of Year
Age
Modal Premium
Times Per Year
Annual Premium
Cash From Policy
Annual Outlay
Surr Cash Value
Surr Charge
Account Value
Net Death Benefit
51 52 53 54 55
111 112 113 114 115
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
17,648 17,648 17,648 17,648 17,648
–17,648 –17,648 –17,648 –17,648 –17,648
924,721 994,710 1,062,350 1,126,406 1,192,702
0 0 0 0 0
3,302,400 3,517,265 3,737,504 3,962,290 4,197,884
990,769 1,065,055 1,137,100 1,205,651 1,276,660
56 57 58 59 60
116 117 118 119 120
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
17,648 17,648 17,648 17,648 17,648 ______ 864,768
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –754,768
1,241,362 1,282,502 1,320,643 1,349,764 1,362,921
0 0 0 0 0
4,424,864 4,653,829 4,889,804 5,127,304 5,359,946
1,329,859 1,375,579 1,418,439 1,452,310 1,470,120
61
121
0
1
0 ________ 110,000
17,648 ______ 882,416
–17,648 ________ –772,416
1,344,756
0
5,572,964
1,456,216
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 3 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT Designed for: John Client Issue Age: 50 Male, Standard Non-Tobacco Coverage Summary
Illustrated Premium Direction
$337,012 Selected Face Amount Initial Annual Premium: $7,000.00 Initial Death Benefit Option: Level Initial Amount $337,012
Description Initial Base Plan
Basic Interest Strategy: Indexed Strategies: 1 Yr Monthly Cap (MCS):
From Age To Age 50 - Life of Insured
Non-Guar. Assumed 50+ 4.85%
$2,457.38 Annually 100% remaining premium
8.70%
Other Premium Strategies may be available. Contract Premiums
Policy EOY Year Age Key 1 51 A 2 52 A 3 53 A 4 54 A 5 55 A
Target Premium $7,815.00 Minimum $4,521.23 7 Pay/MEC $18,684.60
Gross Premium Outlay 7,000 7,000 7,000 7,000 7,000
Total Cash from Policy* 0 0 0 0 0
Guideline Single $89,550.83 Guideline Level $7,857.15
Guaranteed at 2% (1) Net Account Outlay Value 7,000 3,852 7,000 7,705 7,000 11,526 7,000 15,310 7,000 19,022
Non-Guaranteed Assumed (1)
Net Cash Value 0 0 1,993 6,510 10,956
Net Death Benefit 337,012 337,012 337,012 337,012 337,012
Account Value 4,535 9,345 14,460 19,910 25,729
Net Cash Value 0 0 4,926 11,110 17,663
Net Death Benefit 337,012 337,012 337,012 337,012 337,012
6 7 8 9 10
56 57 58 59 60
A A A A A
7,000 7,000 7,000 7,000 7,000 _______ 70,000
0 0 0 0 0 ________ 0
7,000 7,000 7,000 7,000 7,000 ________ 70,000
22,627 26,122 29,495 32,776 36,165
15,294 19,522 23,628 27,643 31,765
337,012 337,012 337,012 337,012 337,012
31,957 38,635 45,809 53,530 62,209
24,624 32,035 39,942 48,397 57,809
337,012 337,012 337,012 337,012 337,012
11 12 13 14 15
61 62 63 64 65
A A A A A
10,000 10,000 10,000 10,000 0
0 0 0 0 0
10,000 10,000 10,000 10,000 0
42,342 48,441 54,410 60,214 56,064
38,675 45,508 52,210 58,748 55,330
337,012 337,012 337,012 337,012 337,012
76,816 92,776 110,234 129,356 139,642
73,150 89,843 108,034 127,889 138,908
337,012 337,012 337,012 337,012 337,012
* 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 October 5, 2011, 8:08 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W 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 Designed for: John Client Issue Age: 50 Male, Standard Non-Tobacco
Policy EOY Year Age Key 16 66 AL 17 67 AL 18 68 AL 19 69 AL 20 70 AL
$337,012 Selected Face Amount Initial Annual Premium: $7,000.00 Initial Death Benefit Option: Level
Gross Premium Outlay 0 0 0 0 0 _______ 110,000
Total Cash from Policy* 18,394 18,394 18,394 18,394 18,394 ________ 91,969
Guaranteed at 2% (1) Net Account Outlay Value –18,394 51,299 –18,394 45,872 –18,394 0 –18,394 0 –18,394 0 ________ 18,031
Non-Guaranteed Assumed (1)
Net Cash Value 32,378 7,022 0 0 0
Net Death Benefit 318,091 298,162 0 0 0
Account Value 150,888 163,135 176,513 191,126 207,076
Net Cash Value 131,967 124,285 116,672 109,175 101,837
Net Death Benefit 318,091 298,162 277,171 255,061 231,773
21 22 23 24 25
71 72 73 74 75
AL AL AL AL AL
0 0 0 0 0
18,394 18,394 18,394 18,394 18,394
–18,394 –18,394 –18,394 –18,394 –18,394
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
224,492 243,551 264,484 287,573 313,159
94,723 87,944 81,664 76,089 71,482
207,243 181,406 154,192 125,528 95,335
26 27 28 29 30
76 77 78 79 80
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 275,908
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –165,908
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
341,623 372,856 406,894 443,945 484,246
68,145 65,882 64,639 64,527 65,687
85,226 84,525 84,984 86,725 89,899
31 32 33 34 35
81 82 83 84 85
AL AL AL AL AL
0 0 0 0 0
18,394 18,394 18,394 18,394 18,394
–18,394 –18,394 –18,394 –18,394 –18,394
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
528,058 575,646 627,304 683,337 744,059
68,269 72,431 78,349 86,204 96,180
94,672 101,214 109,714 120,371 133,383
36 37 38 39 40
86 87 88 89 90
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 459,847
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –349,847
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
809,789 880,854 957,594 1,040,359 1,129,513
108,459 123,226 140,666 160,970 184,335
148,949 167,269 188,546 212,988 240,811
* 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 October 5, 2011, 8:08 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W This is page 2 of 4 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT Designed for: John Client Issue Age: 50 Male, Standard Non-Tobacco
Policy EOY Year Age Key 41 91 AL 42 92 AL 43 93 AL 44 94 AL 45 95 AL
$337,012 Selected Face Amount Initial Annual Premium: $7,000.00 Initial Death Benefit Option: Level
Gross Premium Outlay 0 0 0 0 0
Total Cash from Policy* 18,394 18,394 18,394 18,394 18,394
Guaranteed at 2% (1) Net Account Outlay Value –18,394 0 –18,394 0 –18,394 0 –18,394 0 –18,394 0
Non-Guaranteed Assumed (1)
Net Cash Value 0 0 0 0 0
Net Death Benefit 0 0 0 0 0
Account Value 1,225,435 1,330,019 1,444,260 1,569,302 1,704,268
Net Cash Value 210,961 242,557 279,918 323,984 373,658
Net Death Benefit 259,979 282,457 308,803 355,370 407,743
46 47 48 49 50
96 97 98 99 100
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 643,786
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –533,786
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
1,849,811 2,006,738 2,175,773 2,357,656 2,553,143
429,363 491,664 561,029 637,931 722,841
466,359 531,799 604,545 685,085 773,904
51 52 53 54 55
101 102 103 104 105
AL AL AL AL AL
0 0 0 0 0
18,394 18,394 18,394 18,394 18,394
–18,394 –18,394 –18,394 –18,394 –18,394
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
2,762,988 2,987,660 3,227,174 3,481,888 3,752,040
816,217 918,211 1,028,509 1,147,121 1,273,917
871,477 977,964 1,093,053 1,216,759 1,348,958
56 57 58 59 60
106 107 108 109 110
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 827,725
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –717,725
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
4,037,761 4,338,974 4,655,385 4,986,445 5,338,779
1,408,641 1,550,809 1,699,699 1,854,311 2,020,791
1,489,396 1,637,589 1,792,807 1,954,039 2,127,566
61 62 63 64 65
111 112 113 114 115
AL AL AL AL AL
0 0 0 0 0
18,394 18,394 18,394 18,394 18,394
–18,394 –18,394 –18,394 –18,394 –18,394
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
5,696,765 6,065,803 6,443,875 6,828,461 7,238,494
2,183,017 2,345,864 2,506,754 2,662,583 2,831,667
2,296,953 2,467,180 2,635,631 2,799,152 2,976,437
* 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 October 5, 2011, 8:08 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W This is page 3 of 4 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT Designed for: John Client Issue Age: 50 Male, Standard Non-Tobacco
Policy EOY Year Age Key 66 116 AL 67 117 AL 68 118 AL 69 119 AL 70 120 AL
71
121
AL
$337,012 Selected Face Amount Initial Annual Premium: $7,000.00 Initial Death Benefit Option: Level Guaranteed at 2% (1)
Gross Premium Outlay 0 0 0 0 0 _______ 110,000
Total Cash from Policy* 18,394 18,394 18,394 18,394 18,394 ________ 1,011,663
Net Account Outlay Value –18,394 0 –18,394 0 –18,394 0 –18,394 0 –18,394 0 ________ –901,663
0 _______ 110,000
18,394 ________ 1,030,057
–18,394 ________ –920,057
0
Non-Guaranteed Assumed (1)
Net Cash Value 0 0 0 0 0
Net Death Benefit 0 0 0 0 0
Account Value 7,627,597 8,012,331 8,399,653 8,795,176 9,177,771
Net Cash Value 2,966,980 3,084,397 3,190,156 3,289,108 3,359,326
Net Death Benefit 3,119,532 3,244,644 3,358,149 3,465,011 3,542,882
0
0
9,579,240
3,431,770
3,623,355
Key: A = Annual Prems S = Semi-Annual Prems Q = Quarterly Prems M = Monthly/PAC Prems L = Monthly Loans^ R = Loan Repayment W = Withdrawal I = Interest Paid Out of Pocket F = Force Out P = Exercise of LP Rider
^ Loan interest is reflected as a reduction to the Net Cash Value and Net Death Benefit.
* 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 October 5, 2011, 8:08 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W This is page 4 of 4 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy Values Lifetime Builder Series III Issue State: UT Designed for: John Client $337,012 Selected Face Amount Issue Age: 50 Initial Annual Premium: $7,000.00 Male, Standard Non-Tobacco Initial Death Benefit Option: Level Supplemental Report Description: This report shows both the account value and cash surrender value, and lists the schedule of surrender charges for the illustrated policy. Non-Guaranteed Assumed End of Year
Modal Premium
Times Per Year
Annual Premium
Cash From Policy
Age
1 2 3 4 5
Annual Outlay
Surr Cash Value
Surr Charge
Account Value
Net Death Benefit
51 52 53 54 55
7,000 7,000 7,000 7,000 7,000
1 1 1 1 1
7,000 7,000 7,000 7,000 7,000
0 0 0 0 0
7,000 7,000 7,000 7,000 7,000
0 0 4,926 11,110 17,663
11,000 10,267 9,533 8,800 8,067
4,535 9,345 14,460 19,910 25,729
337,012 337,012 337,012 337,012 337,012
6 7 8 9 10
56 57 58 59 60
7,000 7,000 7,000 7,000 7,000
1 1 1 1 1
7,000 7,000 7,000 7,000 7,000 ________ 70,000
0 0 0 0 0 ________ 0
7,000 7,000 7,000 7,000 7,000 ________ 70,000
24,624 32,035 39,942 48,397 57,809
7,333 6,600 5,867 5,133 4,400
31,957 38,635 45,809 53,530 62,209
337,012 337,012 337,012 337,012 337,012
11 12 13 14 15
61 62 63 64 65
10,000 10,000 10,000 10,000 0
1 1 1 1 1
10,000 10,000 10,000 10,000 0
0 0 0 0 0
10,000 10,000 10,000 10,000 0
73,150 89,843 108,034 127,889 138,908
3,667 2,933 2,200 1,467 733
76,816 92,776 110,234 129,356 139,642
337,012 337,012 337,012 337,012 337,012
16 17 18 19 20
66 67 68 69 70
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 91,969
–18,394 –18,394 –18,394 –18,394 –18,394 ________ 18,031
131,967 124,285 116,672 109,175 101,837
0 0 0 0 0
150,888 163,135 176,513 191,126 207,076
318,091 298,162 277,171 255,061 231,773
21 22 23 24 25
71 72 73 74 75
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
18,394 18,394 18,394 18,394 18,394
–18,394 –18,394 –18,394 –18,394 –18,394
94,723 87,944 81,664 76,089 71,482
0 0 0 0 0
224,492 243,551 264,484 287,573 313,159
207,243 181,406 154,192 125,528 95,335
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 1 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy Values Lifetime Builder Series III Issue State: UT Designed for: John Client Issue Age: 50 Male, Standard Non-Tobacco
$337,012 Selected Face Amount Initial Annual Premium: $7,000.00 Initial Death Benefit Option: Level Non-Guaranteed Assumed
End of Year
Age
Modal Premium
Times Per Year
Annual Premium
Cash From Policy
Annual Outlay
Surr Cash Value
Surr Charge
Account Value
Net Death Benefit
26 27 28 29 30
76 77 78 79 80
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 275,908
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –165,908
68,145 65,882 64,639 64,527 65,687
0 0 0 0 0
341,623 372,856 406,894 443,945 484,246
85,226 84,525 84,984 86,725 89,899
31 32 33 34 35
81 82 83 84 85
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
18,394 18,394 18,394 18,394 18,394
–18,394 –18,394 –18,394 –18,394 –18,394
68,269 72,431 78,349 86,204 96,180
0 0 0 0 0
528,058 575,646 627,304 683,337 744,059
94,672 101,214 109,714 120,371 133,383
36 37 38 39 40
86 87 88 89 90
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 459,847
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –349,847
108,459 123,226 140,666 160,970 184,335
0 0 0 0 0
809,789 880,854 957,594 1,040,359 1,129,513
148,949 167,269 188,546 212,988 240,811
41 42 43 44 45
91 92 93 94 95
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
18,394 18,394 18,394 18,394 18,394
–18,394 –18,394 –18,394 –18,394 –18,394
210,961 242,557 279,918 323,984 373,658
0 0 0 0 0
1,225,435 1,330,019 1,444,260 1,569,302 1,704,268
259,979 282,457 308,803 355,370 407,743
46 47 48 49 50
96 97 98 99 100
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 643,786
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –533,786
429,363 491,664 561,029 637,931 722,841
0 0 0 0 0
1,849,811 2,006,738 2,175,773 2,357,656 2,553,143
466,359 531,799 604,545 685,085 773,904
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 2 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy Values Lifetime Builder Series III Issue State: UT Designed for: John Client Issue Age: 50 Male, Standard Non-Tobacco
$337,012 Selected Face Amount Initial Annual Premium: $7,000.00 Initial Death Benefit Option: Level Non-Guaranteed Assumed
End of Year
Age
Modal Premium
Times Per Year
Annual Premium
Cash From Policy
Annual Outlay
Surr Cash Value
Surr Charge
Account Value
Net Death Benefit
51 52 53 54 55
101 102 103 104 105
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
18,394 18,394 18,394 18,394 18,394
–18,394 –18,394 –18,394 –18,394 –18,394
816,217 918,211 1,028,509 1,147,121 1,273,917
0 0 0 0 0
2,762,988 2,987,660 3,227,174 3,481,888 3,752,040
871,477 977,964 1,093,053 1,216,759 1,348,958
56 57 58 59 60
106 107 108 109 110
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 827,725
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –717,725
1,408,641 1,550,809 1,699,699 1,854,311 2,020,791
0 0 0 0 0
4,037,761 4,338,974 4,655,385 4,986,445 5,338,779
1,489,396 1,637,589 1,792,807 1,954,039 2,127,566
61 62 63 64 65
111 112 113 114 115
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
18,394 18,394 18,394 18,394 18,394
–18,394 –18,394 –18,394 –18,394 –18,394
2,183,017 2,345,864 2,506,754 2,662,583 2,831,667
0 0 0 0 0
5,696,765 6,065,803 6,443,875 6,828,461 7,238,494
2,296,953 2,467,180 2,635,631 2,799,152 2,976,437
66 67 68 69 70
116 117 118 119 120
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 1,011,663
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –901,663
2,966,980 3,084,397 3,190,156 3,289,108 3,359,326
0 0 0 0 0
7,627,597 8,012,331 8,399,653 8,795,176 9,177,771
3,119,532 3,244,644 3,358,149 3,465,011 3,542,882
71
121
0
1
0 ________ 110,000
18,394 ________ 1,030,057
–18,394 ________ –920,057
3,431,770
0
9,579,240
3,623,355
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 3 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy vs 4 Funds Lifetime Builder Series III Issue State: UT Designed for: John Client $337,012 Selected Face Amount Issue Age: 50 Initial Annual Premium: $7,000.00 Male, Standard Non-Tobacco Initial Death Benefit Option: Level Supplemental Report Description: This report compares the policy's projected cash surrender value to four hypothetical investment funds. This report assumes a Tax Bracket of 28%. Non-Guaranteed Policy Values Assumed End of Year
Age
Annual Outlay
Taxable Fund @ 4.00%
Taxable Fund @ 6.00%
Taxable Fund @ 8.00%
Tax-Free Fund @ 4.00%
Surr. Cash Value
Death Benefit
1 2 3 4 5
51 52 53 54 55
7,000 7,000 7,000 7,000 7,000
7,202 14,611 22,233 30,075 38,143
7,302 14,920 22,867 31,157 39,806
7,403 15,233 23,513 32,271 41,533
7,280 14,851 22,725 30,914 39,431
0 0 4,926 11,110 17,663
337,012 337,012 337,012 337,012 337,012
6 7 8 9 10
56 57 58 59 60
7,000 7,000 7,000 7,000 7,000 ________ 70,000
46,443 54,982 63,767 72,805 82,103
48,828 58,240 68,058 78,301 88,986
51,329 61,688 72,645 84,232 96,487
48,288 57,500 67,080 77,043 87,404
24,624 32,035 39,942 48,397 57,809
337,012 337,012 337,012 337,012 337,012
11 12 13 14 15
61 62 63 64 65
10,000 10,000 10,000 10,000 0
94,756 107,773 121,165 134,942 138,829
103,262 118,155 133,691 149,898 156,374
112,621 129,684 147,730 166,815 176,423
101,301 115,753 130,783 146,414 152,271
73,150 89,843 108,034 127,889 138,908
337,012 337,012 337,012 337,012 337,012
16 17 18 19 20
66 67 68 69 70
–18,394 –18,394 –18,394 –18,394 –18,394 ________ 18,031
123,903 108,548 92,751 76,498 59,778
143,941 130,971 117,440 103,325 88,600
167,132 157,305 146,913 135,922 124,297
139,232 125,671 111,569 96,902 81,648
131,967 124,285 116,672 109,175 101,837
318,091 298,162 277,171 255,061 231,773
Rate of Return Needed to Match Lifetime Builder Series III in Year 20: Assumed Surr. Cash Value Assumed Death Benefit * The interest on this financial instrument is taxable as earned.
$101,837 $231,773
Taxable Fund* 6.79% 12.30%
Tax Free Fund 4.89% 8.86%
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 1 of 4 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy vs 4 Funds Lifetime Builder Series III Issue State: UT Designed for: John Client Issue Age: 50 Male, Standard Non-Tobacco
$337,012 Selected Face Amount Initial Annual Premium: $7,000.00 Initial Death Benefit Option: Level Non-Guaranteed Policy Values Assumed
End of Year
Age
Annual Outlay
Taxable Fund @ 4.00%
Taxable Fund @ 6.00%
Taxable Fund @ 8.00%
Tax-Free Fund @ 4.00%
Surr. Cash Value
Death Benefit
21 22 23 24 25
71 72 73 74 75
–18,394 –18,394 –18,394 –18,394 –18,394
42,576 24,878 6,671 0 0
73,239 57,214 40,498 23,059 4,866
112,004 99,002 85,251 70,708 55,327
65,785 49,286 32,128 14,284 0
94,723 87,944 81,664 76,089 71,482
207,243 181,406 154,192 125,528 95,335
26 27 28 29 30
76 77 78 79 80
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –165,908
0 0 0 0 0
0 0 0 0 0
39,061 21,857 3,663 0 0
0 0 0 0 0
68,145 65,882 64,639 64,527 65,687
85,226 84,525 84,984 86,725 89,899
31 32 33 34 35
81 82 83 84 85
–18,394 –18,394 –18,394 –18,394 –18,394
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
68,269 72,431 78,349 86,204 96,180
94,672 101,214 109,714 120,371 133,383
36 37 38 39 40
86 87 88 89 90
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –349,847
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
108,459 123,226 140,666 160,970 184,335
148,949 167,269 188,546 212,988 240,811
41 42 43 44 45
91 92 93 94 95
–18,394 –18,394 –18,394 –18,394 –18,394
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
210,961 242,557 279,918 323,984 373,658
259,979 282,457 308,803 355,370 407,743
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 2 of 4 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy vs 4 Funds Lifetime Builder Series III Issue State: UT Designed for: John Client Issue Age: 50 Male, Standard Non-Tobacco
$337,012 Selected Face Amount Initial Annual Premium: $7,000.00 Initial Death Benefit Option: Level Non-Guaranteed Policy Values Assumed
End of Year
Taxable Fund @ 4.00%
Taxable Fund @ 6.00%
Taxable Fund @ 8.00%
Tax-Free Fund @ 4.00%
Surr. Cash Value
Death Benefit
Age
46 47 48 49 50
96 97 98 99 100
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –533,786
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
429,363 491,664 561,029 637,931 722,841
466,359 531,799 604,545 685,085 773,904
51 52 53 54 55
101 102 103 104 105
–18,394 –18,394 –18,394 –18,394 –18,394
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
816,217 918,211 1,028,509 1,147,121 1,273,917
871,477 977,964 1,093,053 1,216,759 1,348,958
56 57 58 59 60
106 107 108 109 110
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –717,725
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
1,408,641 1,550,809 1,699,699 1,854,311 2,020,791
1,489,396 1,637,589 1,792,807 1,954,039 2,127,566
61 62 63 64 65
111 112 113 114 115
–18,394 –18,394 –18,394 –18,394 –18,394
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
2,183,017 2,345,864 2,506,754 2,662,583 2,831,667
2,296,953 2,467,180 2,635,631 2,799,152 2,976,437
66 67 68 69 70
116 117 118 119 120
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –901,663
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
2,966,980 3,084,397 3,190,156 3,289,108 3,359,326
3,119,532 3,244,644 3,358,149 3,465,011 3,542,882
71
121
–18,394 ________ –920,057
0
0
0
0
3,431,770
3,623,355
Annual Outlay
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 3 of 4 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy vs 4 Funds Lifetime Builder Series III Issue State: UT Designed for: John Client Issue Age: 50 Male, Standard Non-Tobacco
$337,012 Selected Face Amount Initial Annual Premium: $7,000.00 Initial Death Benefit Option: Level
Many "tax-free" funds are still subject to state income taxes. This illustration does not take state income taxes into account. The life insurance cash value and death benefit are based on an interest rate of 7.26% to age 51, 7.81% to age 52, 8.05% to age 53, 8.19% to age 54, 8.28% to age 55, 8.35% to age 56, 8.39% to age 57, 8.43% to age 58, 8.46% to age 59, 8.49% to age 60, 8.61% to age 61, 8.63% to age 62, 8.64% to age 63, 8.65% to age 64, and 8.70% to age 121. Tax Advantages of Lifetime Builder Series III Under certain provisions of the Internal Revenue Code, death benefits are received income tax free, and life insurance cash values accumulate income tax deferred. Policy loans and withdrawals are not always income tax free. You should seek independent tax advice from a qualified tax specialist or attorney.
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 4 of 4 pages and is not valid unless all pages are included.
Client
IRA
RMD/Taxes
Possible Penalties
Annuity
Systematic withdrawal
Taxed now No penalty
IUL Reposition IRA to Annuity
Tax Advantaged Cash Flow
Tax Free Death Benefit
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco Coverage Summary
Illustrated Premium Direction
$243,917 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Level Initial Amount $243,917
Description Initial Base Plan
Basic Interest Strategy: Indexed Strategies: 1 Yr Monthly Cap (MCS):
From Age To Age 60 - Life of Insured
Non-Guar. Assumed 60+ 4.85%
$3,712.62 Annually 100% remaining premium
8.70%
Other Premium Strategies may be available. Contract Premiums
Target Premium $9,969.00 Minimum $6,259.47 7 Pay/MEC $18,882.59
Guideline Single $104,456.07 Guideline Level $10,000.03
Guaranteed at 2% (1)
Non-Guaranteed Assumed (1)
Gross Premium Outlay 10,000 10,000 10,000 10,000 10,000
Total Cash from Policy* 0 0 0 0 0
Net Outlay 10,000 10,000 10,000 10,000 10,000
Account Value 4,911 9,728 14,407 18,919 23,257
Net Cash Value 0 0 4,165 9,466 14,591
Net Death Benefit 243,917 243,917 243,917 243,917 243,917
Account Value 6,259 12,836 19,776 27,129 34,949
Net Cash Value 0 1,807 9,535 17,675 26,283
Net Death Benefit 243,917 243,917 243,917 243,917 243,917
Policy Year 1 2 3 4 5
EOY Age 61 62 63 64 65
Key A A A A A
6 7 8 9 10
66 67 68 69 70
A A A A A
10,000 10,000 10,000 10,000 10,000 _______ 100,000
0 0 0 0 0 _______ 0
10,000 10,000 10,000 10,000 10,000 ________ 100,000
27,409 31,376 35,159 38,738 42,374
19,531 24,286 28,857 33,224 37,647
243,917 243,917 243,917 243,917 243,917
43,299 52,251 61,882 72,282 84,030
35,421 45,160 55,579 66,767 79,303
243,917 243,917 243,917 243,917 243,917
11 12 13 14 15
71 72 73 74 75
A AL AL AL AL
10,000 0 0 0 0
0 11,568 11,568 11,568 11,568
10,000 –11,568 –11,568 –11,568 –11,568
45,755 38,928 31,048 0 0
41,816 23,877 4,252 0 0
243,917 232,018 219,485 0 0
99,811 106,395 113,554 121,367 129,924
95,872 91,345 86,758 82,158 77,599
243,917 232,018 219,485 206,284 192,379
* 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 October 5, 2011, 8:29 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W This is page 1 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
$243,917 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Level Guaranteed at 2% (1)
Non-Guaranteed Assumed (1)
Total Cash from Policy* 11,568 11,568 11,568 11,568 11,568 _______ 104,109
Net Outlay –11,568 –11,568 –11,568 –11,568 –11,568 ________ 5,891
Account Value 0 0 0 0 0
Net Cash Value 0 0 0 0 0
Net Death Benefit 0 0 0 0 0
Account Value 139,332 149,573 160,760 173,001 186,447
Net Cash Value 73,148 67,963 62,901 58,028 53,447
Net Death Benefit 177,733 162,307 146,058 128,944 110,917
Policy Year 16 17 18 19 20
EOY Age 76 77 78 79 80
Key AL AL AL AL AL
Gross Premium Outlay 0 0 0 0 0 _______ 110,000
21 22 23 24 25
81 82 83 84 85
AL AL AL AL AL
0 0 0 0 0
11,568 11,568 11,568 11,568 11,568
–11,568 –11,568 –11,568 –11,568 –11,568
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
201,361 218,043 236,902 258,182 281,311
49,374 46,057 43,850 42,942 42,700
91,930 71,930 55,695 55,851 56,766
26 27 28 29 30
86 87 88 89 90
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
11,568 11,568 11,568 11,568 11,568 _______ 219,786
–11,568 –11,568 –11,568 –11,568 –11,568 ________ –109,786
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
306,363 333,474 362,776 394,408 428,511
43,136 44,319 46,312 49,178 52,982
58,454 60,992 64,450 68,898 74,408
31 32 33 34 35
91 92 93 94 95
AL AL AL AL AL
0 0 0 0 0
11,568 11,568 11,568 11,568 11,568
–11,568 –11,568 –11,568 –11,568 –11,568
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
465,247 505,349 549,214 597,287 649,237
57,805 64,292 72,751 83,531 96,201
76,414 79,453 83,736 95,477 109,186
36 37 38 39 40
96 97 98 99 100
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
11,568 11,568 11,568 11,568 11,568 _______ 335,462
–11,568 –11,568 –11,568 –11,568 –11,568 ________ –225,462
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
705,309 765,813 831,035 901,267 976,810
110,899 127,823 147,143 169,028 193,646
125,005 143,140 163,764 187,053 213,182
* 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 October 5, 2011, 8:29 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W This is page 2 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
$243,917 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Level Guaranteed at 2% (1)
Non-Guaranteed Assumed (1)
Gross Premium Outlay 0 0 0 0 0
Total Cash from Policy* 11,568 11,568 11,568 11,568 11,568
Net Outlay –11,568 –11,568 –11,568 –11,568 –11,568
Account Value 0 0 0 0 0
Net Cash Value 0 0 0 0 0
Net Death Benefit 0 0 0 0 0
Account Value 1,057,963 1,144,927 1,237,739 1,336,553 1,441,481
Net Cash Value 221,160 251,626 284,928 321,062 359,969
Net Death Benefit 242,319 274,524 309,683 347,793 388,798
Policy Year 41 42 43 44 45
EOY Age 101 102 103 104 105
Key AL AL AL AL AL
46 47 48 49 50
106 107 108 109 110
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
11,568 11,568 11,568 11,568 11,568 _______ 451,139
–11,568 –11,568 –11,568 –11,568 –11,568 ________ –341,139
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
1,552,591 1,669,874 1,793,238 1,922,495 2,057,342
401,538 445,575 491,789 539,784 589,038
432,590 478,972 527,654 578,234 630,184
51 52 53 54 55
111 112 113 114 115
AL AL AL AL AL
0 0 0 0 0
11,568 11,568 11,568 11,568 11,568
–11,568 –11,568 –11,568 –11,568 –11,568
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
2,197,344 2,341,916 2,490,300 2,642,179 2,801,193
638,885 688,496 736,860 783,387 831,434
682,832 735,335 786,666 836,231 887,458
56 57 58 59 60
116 117 118 119 120
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
11,568 11,568 11,568 11,568 11,568 _______ 566,816
–11,568 –11,568 –11,568 –11,568 –11,568 ________ –456,816
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
2,954,875 3,110,543 3,270,742 3,432,608 3,593,080
868,236 900,793 931,321 956,604 973,213
927,333 963,004 996,736 1,025,256 1,045,075
61
121
AL
0 _______ 110,000
11,568 _______ 578,384
–11,568 ________ –468,383
0
0
0
3,730,020
958,624
1,033,225
Key: A = Annual Prems S = Semi-Annual Prems Q = Quarterly Prems M = Monthly/PAC Prems L = Monthly Loans^ R = Loan Repayment W = Withdrawal I = Interest Paid Out of Pocket F = Force Out P = Exercise of LP Rider
^ Loan interest is reflected as a reduction to the Net Cash Value and Net Death Benefit.
* 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 October 5, 2011, 8:29 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W This is page 3 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy vs 4 Funds Lifetime Builder Series III Issue State: UT Designed for: Jim Client $129,176 Selected Face Amount Issue Age: 60 Initial Annual Premium: $10,000.00 Male, Standard Non-Tobacco Initial Death Benefit Option: Increasing Supplemental Report Description: This report compares the policy's projected cash surrender value to four hypothetical investment funds. This report assumes a Tax Bracket of 28%. Non-Guaranteed Policy Values Assumed End of Year
Age
Annual Outlay
Taxable Fund @ 4.00%
Taxable Fund @ 6.00%
Taxable Fund @ 8.00%
Tax-Free Fund @ 4.00%
Surr. Cash Value
Death Benefit
1 2 3 4 5
61 62 63 64 65
10,000 10,000 10,000 10,000 10,000
10,288 20,872 31,761 42,964 54,490
10,432 21,315 32,667 44,511 56,866
10,576 21,761 33,591 46,101 59,333
10,400 21,216 32,465 44,163 56,330
1,947 11,136 20,944 31,423 42,631
137,381 146,153 155,544 165,605 176,397
6 7 8 9 10
66 67 68 69 70
10,000 10,000 10,000 10,000 10,000 ________ 100,000
66,347 78,546 91,096 104,007 117,291
69,754 83,200 97,226 111,858 127,122
73,326 88,126 103,778 120,332 137,839
68,983 82,142 95,828 110,061 124,864
54,633 67,498 81,300 96,121 112,695
187,981 200,429 213,813 228,217 244,375
11 12 13 14 15
71 72 73 74 75
10,000 –17,648 –17,648 –17,648 –17,648
130,957 116,572 101,772 86,547 70,883
143,046 130,815 118,055 104,744 90,859
156,354 146,696 136,480 125,677 114,251
140,258 127,514 114,260 100,477 86,141
132,314 124,997 117,757 110,684 103,886
244,375 226,221 207,100 186,959 165,746
16 17 18 19 20
76 77 78 79 80
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –48,835
54,767 38,188 21,131 3,583 0
76,373 61,262 45,497 29,052 11,896
102,167 89,387 75,870 61,576 46,458
71,233 55,728 39,603 22,832 5,392
97,490 91,173 85,556 80,839 76,636
143,401 119,866 97,299 93,651 90,614
Rate of Return Needed to Match Lifetime Builder Series III in Year 20: Assumed Surr. Cash Value Assumed Death Benefit * The interest on this financial instrument is taxable as earned.
$76,636 $90,614
Taxable Fund* 9.40% 9.98%
Tax Free Fund 6.77% 7.18%
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 1 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy vs 4 Funds Lifetime Builder Series III Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
$129,176 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Increasing Non-Guaranteed Policy Values Assumed
End of Year
Age
Annual Outlay
Taxable Fund @ 4.00%
Taxable Fund @ 6.00%
Taxable Fund @ 8.00%
Tax-Free Fund @ 4.00%
Surr. Cash Value
Death Benefit
21 22 23 24 25
81 82 83 84 85
–17,648 –17,648 –17,648 –17,648 –17,648
0 0 0 0 0
0 0 0 0 0
30,469 13,559 0 0 0
0 0 0 0 0
73,002 70,013 67,752 66,304 65,769
88,247 86,633 85,866 86,039 87,260
26 27 28 29 30
86 87 88 89 90
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –225,318
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
66,217 67,750 70,457 74,428 79,752
89,607 93,195 98,121 104,484 112,386
31 32 33 34 35
91 92 93 94 95
–17,648 –17,648 –17,648 –17,648 –17,648
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
86,547 95,796 107,950 123,524 141,863
114,874 118,857 124,647 141,670 161,575
36 37 38 39 40
96 97 98 99 100
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –401,802
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
163,163 187,722 215,783 247,591 283,387
184,564 210,944 240,967 274,886 312,952
41 42 43 44 45
101 102 103 104 105
–17,648 –17,648 –17,648 –17,648 –17,648
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
323,406 367,704 416,073 468,483 524,822
355,407 402,316 453,468 508,839 568,319
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 2 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy vs 4 Funds Lifetime Builder Series III Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
$129,176 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Increasing Non-Guaranteed Policy Values Assumed
End of Year
Taxable Fund @ 4.00%
Taxable Fund @ 6.00%
Taxable Fund @ 8.00%
Tax-Free Fund @ 4.00%
Surr. Cash Value
Death Benefit
Age
46 47 48 49 50
106 107 108 109 110
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –578,285
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
584,901 648,399 714,853 783,638 853,938
631,721 698,724 768,862 841,502 915,819
51 52 53 54 55
111 112 113 114 115
–17,648 –17,648 –17,648 –17,648 –17,648
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
924,721 994,710 1,062,350 1,126,406 1,192,702
990,769 1,065,055 1,137,100 1,205,651 1,276,660
56 57 58 59 60
116 117 118 119 120
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –754,768
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
1,241,362 1,282,502 1,320,643 1,349,764 1,362,921
1,329,859 1,375,579 1,418,439 1,452,310 1,470,120
61
121
–17,648 ________ –772,416
0
0
0
0
1,344,756
1,456,216
Annual Outlay
Many "tax-free" funds are still subject to state income taxes. This illustration does not take state income taxes into account. The life insurance cash value and death benefit are based on an interest rate of 7.87% to age 61, 8.22% to age 62, 8.36% to age 63, 8.44% to age 64, 8.48% to age 65, 8.51% to age 66, 8.54% to age 67, 8.56% to age 68, 8.57% to age 69, 8.58% to age 70, 8.64% to age 71, and 8.70% to age 121. Tax Advantages of Lifetime Builder Series III Under certain provisions of the Internal Revenue Code, death benefits are received income tax free, and life insurance cash values accumulate income tax deferred. Policy loans and withdrawals are not always income tax free. You should seek independent tax advice from a qualified tax specialist or attorney.
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 3 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco Coverage Summary
Illustrated Premium Direction
$129,176 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Increasing Initial Amount $129,176
Description Initial Base Plan
Basic Interest Strategy: Indexed Strategies: 1 Yr Monthly Cap (MCS):
From Age To Age 60 - Life of Insured
Non-Guar. Assumed 60+ 4.85%
$2,036.90 Annually 100% remaining premium
8.70%
Other Premium Strategies may be available. Contract Premiums
Policy EOY Year Age Key 1 61 A 2 62 A 3 63 A 4 64 A 5 65 A
Target Premium $5,279.00 Minimum $3,363.40 7 Pay/MEC $10,000.03
Gross Premium Outlay 10,000 10,000 10,000 10,000 10,000
Total Cash from Policy* 0 0 0 0 0
Guideline Single $55,848.65 Guideline Level $11,958.21
Guaranteed at 2% (1) Net Account Outlay Value 10,000 7,031 10,000 14,072 10,000 21,092 10,000 28,072 10,000 35,002
Non-Guaranteed Assumed (1)
Net Cash Value 773 8,231 15,669 23,066 30,413
Net Death Benefit 136,207 143,248 150,268 157,248 164,178
Account Value 8,205 16,977 26,368 36,429 47,221
Net Cash Value 1,947 11,136 20,944 31,423 42,631
Net Death Benefit 137,381 146,153 155,544 165,605 176,397
6 7 8 9 10
66 67 68 69 70
A A A A A
10,000 10,000 10,000 10,000 10,000 _______ 100,000
0 0 0 0 0 _______ 0
10,000 10,000 10,000 10,000 10,000 ________ 100,000
41,869 48,670 55,399 62,040 69,001
37,697 44,915 52,062 59,120 66,498
171,045 177,846 184,575 191,216 198,177
58,805 71,253 84,637 99,041 115,199
54,633 67,498 81,300 96,121 112,695
187,981 200,429 213,813 228,217 244,375
11 12 13 14 15
71 72 73 74 75
A AL AL AL AL
10,000 0 0 0 0
0 17,648 17,648 17,648 17,648
10,000 –17,648 –17,648 –17,648 –17,648
76,060 73,291 69,958 65,982 0
73,974 53,468 31,431 7,733 0
198,177 180,023 160,902 140,761 0
134,400 144,820 156,284 168,934 182,932
132,314 124,997 117,757 110,684 103,886
244,375 226,221 207,100 186,959 165,746
* 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 October 5, 2011, 8:34 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W This is page 1 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
Policy EOY Year Age Key 16 76 AL 17 77 AL 18 78 AL 19 79 AL 20 80 AL
$129,176 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Increasing
Gross Premium Outlay 0 0 0 0 0 _______ 110,000
Total Cash from Policy* 17,648 17,648 17,648 17,648 17,648 _______ 158,835
Guaranteed at 2% (1) Net Account Outlay Value –17,648 0 –17,648 0 –17,648 0 –17,648 0 –17,648 0 ________ –48,835
Non-Guaranteed Assumed (1)
Net Cash Value 0 0 0 0 0
Net Death Benefit 0 0 0 0 0
Account Value 198,464 215,682 234,855 256,249 279,549
Net Cash Value 97,490 91,173 85,556 80,839 76,636
Net Death Benefit 143,401 119,866 97,299 93,651 90,614
21 22 23 24 25
81 82 83 84 85
AL AL AL AL AL
0 0 0 0 0
17,648 17,648 17,648 17,648 17,648
–17,648 –17,648 –17,648 –17,648 –17,648
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
304,883 332,406 362,283 394,687 429,808
73,002 70,013 67,752 66,304 65,769
88,247 86,633 85,866 86,039 87,260
26 27 28 29 30
86 87 88 89 90
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
17,648 17,648 17,648 17,648 17,648 _______ 335,318
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –225,318
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
467,811 508,902 553,275 601,132 652,682
66,217 67,750 70,457 74,428 79,752
89,607 93,195 98,121 104,484 112,386
31 32 33 34 35
91 92 93 94 95
AL AL AL AL AL
0 0 0 0 0
17,648 17,648 17,648 17,648 17,648
–17,648 –17,648 –17,648 –17,648 –17,648
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
708,166 768,699 834,870 907,340 985,608
86,547 95,796 107,950 123,524 141,863
114,874 118,857 124,647 141,670 161,575
36 37 38 39 40
96 97 98 99 100
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
17,648 17,648 17,648 17,648 17,648 _______ 511,802
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –401,802
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
1,070,031 1,161,077 1,259,168 1,364,739 1,478,230
163,163 187,722 215,783 247,591 283,387
184,564 210,944 240,967 274,886 312,952
* 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 October 5, 2011, 8:34 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W This is page 2 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
Policy EOY Year Age Key 41 101 AL 42 102 AL 43 103 AL 44 104 AL 45 105 AL
$129,176 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Increasing
Gross Premium Outlay 0 0 0 0 0
Total Cash from Policy* 17,648 17,648 17,648 17,648 17,648
Guaranteed at 2% (1) Net Account Outlay Value –17,648 0 –17,648 0 –17,648 0 –17,648 0 –17,648 0
Non-Guaranteed Assumed (1)
Net Cash Value 0 0 0 0 0
Net Death Benefit 0 0 0 0 0
Account Value 1,600,083 1,730,578 1,869,738 2,017,777 2,174,842
Net Cash Value 323,406 367,704 416,073 468,483 524,822
Net Death Benefit 355,407 402,316 453,468 508,839 568,319
46 47 48 49 50
106 107 108 109 110
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
17,648 17,648 17,648 17,648 17,648 _______ 688,285
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –578,285
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
2,341,016 2,516,263 2,700,422 2,893,185 3,094,071
584,901 648,399 714,853 783,638 853,938
631,721 698,724 768,862 841,502 915,819
51 52 53 54 55
111 112 113 114 115
AL AL AL AL AL
0 0 0 0 0
17,648 17,648 17,648 17,648 17,648
–17,648 –17,648 –17,648 –17,648 –17,648
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
3,302,400 3,517,265 3,737,504 3,962,290 4,197,884
924,721 994,710 1,062,350 1,126,406 1,192,702
990,769 1,065,055 1,137,100 1,205,651 1,276,660
56 57 58 59 60
116 117 118 119 120
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
17,648 17,648 17,648 17,648 17,648 _______ 864,768
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –754,768
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
4,424,864 4,653,829 4,889,804 5,127,304 5,359,946
1,241,362 1,282,502 1,320,643 1,349,764 1,362,921
1,329,859 1,375,579 1,418,439 1,452,310 1,470,120
61
121
AL
0 _______ 110,000
17,648 _______ 882,416
–17,648 ________ –772,416
0
0
0
5,572,964
1,344,756
1,456,216
Key: A = Annual Prems S = Semi-Annual Prems Q = Quarterly Prems M = Monthly/PAC Prems L = Monthly Loans^ R = Loan Repayment W = Withdrawal I = Interest Paid Out of Pocket F = Force Out P = Exercise of LP Rider
^ Loan interest is reflected as a reduction to the Net Cash Value and Net Death Benefit.
* 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 October 5, 2011, 8:34 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W This is page 3 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy Values Lifetime Builder Series III Issue State: UT Designed for: Jim Client $243,917 Selected Face Amount Issue Age: 60 Initial Annual Premium: $10,000.00 Male, Standard Non-Tobacco Initial Death Benefit Option: Level Supplemental Report Description: This report shows both the account value and cash surrender value, and lists the schedule of surrender charges for the illustrated policy. Non-Guaranteed Assumed End of Year
Modal Premium
Times Per Year
Annual Premium
Cash From Policy
Age
1 2 3 4 5
Annual Outlay
Surr Cash Value
Surr Charge
Account Value
Net Death Benefit
61 62 63 64 65
10,000 10,000 10,000 10,000 10,000
1 1 1 1 1
10,000 10,000 10,000 10,000 10,000
0 0 0 0 0
10,000 10,000 10,000 10,000 10,000
0 1,807 9,535 17,675 26,283
11,817 11,029 10,241 9,454 8,666
6,259 12,836 19,776 27,129 34,949
243,917 243,917 243,917 243,917 243,917
6 7 8 9 10
66 67 68 69 70
10,000 10,000 10,000 10,000 10,000
1 1 1 1 1
10,000 10,000 10,000 10,000 10,000 ________ 100,000
0 0 0 0 0 ______ 0
10,000 10,000 10,000 10,000 10,000 ________ 100,000
35,421 45,160 55,579 66,767 79,303
7,878 7,090 6,302 5,515 4,727
43,299 52,251 61,882 72,282 84,030
243,917 243,917 243,917 243,917 243,917
11 12 13 14 15
71 72 73 74 75
10,000 0 0 0 0
1 1 1 1 1
10,000 0 0 0 0
0 11,568 11,568 11,568 11,568
10,000 –11,568 –11,568 –11,568 –11,568
95,872 91,345 86,758 82,158 77,599
3,939 3,151 2,363 1,576 788
99,811 106,395 113,554 121,367 129,924
243,917 232,018 219,485 206,284 192,379
16 17 18 19 20
76 77 78 79 80
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
11,568 11,568 11,568 11,568 11,568 ______ 104,109
–11,568 –11,568 –11,568 –11,568 –11,568 ________ 5,891
73,148 67,963 62,901 58,028 53,447
0 0 0 0 0
139,332 149,573 160,760 173,001 186,447
177,733 162,307 146,058 128,944 110,917
21 22 23 24 25
81 82 83 84 85
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
11,568 11,568 11,568 11,568 11,568
–11,568 –11,568 –11,568 –11,568 –11,568
49,374 46,057 43,850 42,942 42,700
0 0 0 0 0
201,361 218,043 236,902 258,182 281,311
91,930 71,930 55,695 55,851 56,766
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 1 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy Values Lifetime Builder Series III Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
$243,917 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Level Non-Guaranteed Assumed
End of Year
Age
Modal Premium
Times Per Year
Annual Premium
Cash From Policy
Annual Outlay
Surr Cash Value
Surr Charge
Account Value
Net Death Benefit
26 27 28 29 30
86 87 88 89 90
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
11,568 11,568 11,568 11,568 11,568 ______ 219,786
–11,568 –11,568 –11,568 –11,568 –11,568 ________ –109,786
43,136 44,319 46,312 49,178 52,982
0 0 0 0 0
306,363 333,474 362,776 394,408 428,511
58,454 60,992 64,450 68,898 74,408
31 32 33 34 35
91 92 93 94 95
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
11,568 11,568 11,568 11,568 11,568
–11,568 –11,568 –11,568 –11,568 –11,568
57,805 64,292 72,751 83,531 96,201
0 0 0 0 0
465,247 505,349 549,214 597,287 649,237
76,414 79,453 83,736 95,477 109,186
36 37 38 39 40
96 97 98 99 100
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
11,568 11,568 11,568 11,568 11,568 ______ 335,462
–11,568 –11,568 –11,568 –11,568 –11,568 ________ –225,462
110,899 127,823 147,143 169,028 193,646
0 0 0 0 0
705,309 765,813 831,035 901,267 976,810
125,005 143,140 163,764 187,053 213,182
41 42 43 44 45
101 102 103 104 105
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
11,568 11,568 11,568 11,568 11,568
–11,568 –11,568 –11,568 –11,568 –11,568
221,160 251,626 284,928 321,062 359,969
0 0 0 0 0
1,057,963 1,144,927 1,237,739 1,336,553 1,441,481
242,319 274,524 309,683 347,793 388,798
46 47 48 49 50
106 107 108 109 110
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
11,568 11,568 11,568 11,568 11,568 ______ 451,139
–11,568 –11,568 –11,568 –11,568 –11,568 ________ –341,139
401,538 445,575 491,789 539,784 589,038
0 0 0 0 0
1,552,591 1,669,874 1,793,238 1,922,495 2,057,342
432,590 478,972 527,654 578,234 630,184
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 2 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy Values Lifetime Builder Series III Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
$243,917 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Level Non-Guaranteed Assumed
End of Year
Age
Modal Premium
Times Per Year
Annual Premium
Cash From Policy
Annual Outlay
Surr Cash Value
Surr Charge
Account Value
Net Death Benefit
51 52 53 54 55
111 112 113 114 115
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
11,568 11,568 11,568 11,568 11,568
–11,568 –11,568 –11,568 –11,568 –11,568
638,885 688,496 736,860 783,387 831,434
0 0 0 0 0
2,197,344 2,341,916 2,490,300 2,642,179 2,801,193
682,832 735,335 786,666 836,231 887,458
56 57 58 59 60
116 117 118 119 120
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
11,568 11,568 11,568 11,568 11,568 ______ 566,816
–11,568 –11,568 –11,568 –11,568 –11,568 ________ –456,816
868,236 900,793 931,321 956,604 973,213
0 0 0 0 0
2,954,875 3,110,543 3,270,742 3,432,608 3,593,080
927,333 963,004 996,736 1,025,256 1,045,075
61
121
0
1
0 ________ 110,000
11,568 ______ 578,384
–11,568 ________ –468,383
958,624
0
3,730,020
1,033,225
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 3 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy Values Lifetime Builder Series III Issue State: UT Designed for: Jim Client $129,176 Selected Face Amount Issue Age: 60 Initial Annual Premium: $10,000.00 Male, Standard Non-Tobacco Initial Death Benefit Option: Increasing Supplemental Report Description: This report shows both the account value and cash surrender value, and lists the schedule of surrender charges for the illustrated policy. Non-Guaranteed Assumed End of Year
Modal Premium
Times Per Year
Annual Premium
Cash From Policy
Age
1 2 3 4 5
Annual Outlay
Surr Cash Value
Surr Charge
Account Value
Net Death Benefit
61 62 63 64 65
10,000 10,000 10,000 10,000 10,000
1 1 1 1 1
10,000 10,000 10,000 10,000 10,000
0 0 0 0 0
10,000 10,000 10,000 10,000 10,000
1,947 11,136 20,944 31,423 42,631
6,258 5,841 5,424 5,006 4,589
8,205 16,977 26,368 36,429 47,221
137,381 146,153 155,544 165,605 176,397
6 7 8 9 10
66 67 68 69 70
10,000 10,000 10,000 10,000 10,000
1 1 1 1 1
10,000 10,000 10,000 10,000 10,000 ________ 100,000
0 0 0 0 0 ______ 0
10,000 10,000 10,000 10,000 10,000 ________ 100,000
54,633 67,498 81,300 96,121 112,695
4,172 3,755 3,338 2,920 2,503
58,805 71,253 84,637 99,041 115,199
187,981 200,429 213,813 228,217 244,375
11 12 13 14 15
71 72 73 74 75
10,000 0 0 0 0
1 1 1 1 1
10,000 0 0 0 0
0 17,648 17,648 17,648 17,648
10,000 –17,648 –17,648 –17,648 –17,648
132,314 124,997 117,757 110,684 103,886
2,086 1,669 1,252 834 417
134,400 144,820 156,284 168,934 182,932
244,375 226,221 207,100 186,959 165,746
16 17 18 19 20
76 77 78 79 80
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
17,648 17,648 17,648 17,648 17,648 ______ 158,835
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –48,835
97,490 91,173 85,556 80,839 76,636
0 0 0 0 0
198,464 215,682 234,855 256,249 279,549
143,401 119,866 97,299 93,651 90,614
21 22 23 24 25
81 82 83 84 85
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
17,648 17,648 17,648 17,648 17,648
–17,648 –17,648 –17,648 –17,648 –17,648
73,002 70,013 67,752 66,304 65,769
0 0 0 0 0
304,883 332,406 362,283 394,687 429,808
88,247 86,633 85,866 86,039 87,260
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 1 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy Values Lifetime Builder Series III Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
$129,176 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Increasing Non-Guaranteed Assumed
End of Year
Age
Modal Premium
Times Per Year
Annual Premium
Cash From Policy
Annual Outlay
Surr Cash Value
Surr Charge
Account Value
Net Death Benefit
26 27 28 29 30
86 87 88 89 90
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
17,648 17,648 17,648 17,648 17,648 ______ 335,318
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –225,318
66,217 67,750 70,457 74,428 79,752
0 0 0 0 0
467,811 508,902 553,275 601,132 652,682
89,607 93,195 98,121 104,484 112,386
31 32 33 34 35
91 92 93 94 95
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
17,648 17,648 17,648 17,648 17,648
–17,648 –17,648 –17,648 –17,648 –17,648
86,547 95,796 107,950 123,524 141,863
0 0 0 0 0
708,166 768,699 834,870 907,340 985,608
114,874 118,857 124,647 141,670 161,575
36 37 38 39 40
96 97 98 99 100
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
17,648 17,648 17,648 17,648 17,648 ______ 511,802
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –401,802
163,163 187,722 215,783 247,591 283,387
0 0 0 0 0
1,070,031 1,161,077 1,259,168 1,364,739 1,478,230
184,564 210,944 240,967 274,886 312,952
41 42 43 44 45
101 102 103 104 105
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
17,648 17,648 17,648 17,648 17,648
–17,648 –17,648 –17,648 –17,648 –17,648
323,406 367,704 416,073 468,483 524,822
0 0 0 0 0
1,600,083 1,730,578 1,869,738 2,017,777 2,174,842
355,407 402,316 453,468 508,839 568,319
46 47 48 49 50
106 107 108 109 110
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
17,648 17,648 17,648 17,648 17,648 ______ 688,285
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –578,285
584,901 648,399 714,853 783,638 853,938
0 0 0 0 0
2,341,016 2,516,263 2,700,422 2,893,185 3,094,071
631,721 698,724 768,862 841,502 915,819
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 2 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy Values Lifetime Builder Series III Issue State: UT Designed for: Jim Client Issue Age: 60 Male, Standard Non-Tobacco
$129,176 Selected Face Amount Initial Annual Premium: $10,000.00 Initial Death Benefit Option: Increasing Non-Guaranteed Assumed
End of Year
Age
Modal Premium
Times Per Year
Annual Premium
Cash From Policy
Annual Outlay
Surr Cash Value
Surr Charge
Account Value
Net Death Benefit
51 52 53 54 55
111 112 113 114 115
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
17,648 17,648 17,648 17,648 17,648
–17,648 –17,648 –17,648 –17,648 –17,648
924,721 994,710 1,062,350 1,126,406 1,192,702
0 0 0 0 0
3,302,400 3,517,265 3,737,504 3,962,290 4,197,884
990,769 1,065,055 1,137,100 1,205,651 1,276,660
56 57 58 59 60
116 117 118 119 120
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
17,648 17,648 17,648 17,648 17,648 ______ 864,768
–17,648 –17,648 –17,648 –17,648 –17,648 ________ –754,768
1,241,362 1,282,502 1,320,643 1,349,764 1,362,921
0 0 0 0 0
4,424,864 4,653,829 4,889,804 5,127,304 5,359,946
1,329,859 1,375,579 1,418,439 1,452,310 1,470,120
61
121
0
1
0 ________ 110,000
17,648 ______ 882,416
–17,648 ________ –772,416
1,344,756
0
5,572,964
1,456,216
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 3 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT Designed for: John Client Issue Age: 50 Male, Standard Non-Tobacco Coverage Summary
Illustrated Premium Direction
$337,012 Selected Face Amount Initial Annual Premium: $7,000.00 Initial Death Benefit Option: Level Initial Amount $337,012
Description Initial Base Plan
Basic Interest Strategy: Indexed Strategies: 1 Yr Monthly Cap (MCS):
From Age To Age 50 - Life of Insured
Non-Guar. Assumed 50+ 4.85%
$2,457.38 Annually 100% remaining premium
8.70%
Other Premium Strategies may be available. Contract Premiums
Policy EOY Year Age Key 1 51 A 2 52 A 3 53 A 4 54 A 5 55 A
Target Premium $7,815.00 Minimum $4,521.23 7 Pay/MEC $18,684.60
Gross Premium Outlay 7,000 7,000 7,000 7,000 7,000
Total Cash from Policy* 0 0 0 0 0
Guideline Single $89,550.83 Guideline Level $7,857.15
Guaranteed at 2% (1) Net Account Outlay Value 7,000 3,852 7,000 7,705 7,000 11,526 7,000 15,310 7,000 19,022
Non-Guaranteed Assumed (1)
Net Cash Value 0 0 1,993 6,510 10,956
Net Death Benefit 337,012 337,012 337,012 337,012 337,012
Account Value 4,535 9,345 14,460 19,910 25,729
Net Cash Value 0 0 4,926 11,110 17,663
Net Death Benefit 337,012 337,012 337,012 337,012 337,012
6 7 8 9 10
56 57 58 59 60
A A A A A
7,000 7,000 7,000 7,000 7,000 _______ 70,000
0 0 0 0 0 ________ 0
7,000 7,000 7,000 7,000 7,000 ________ 70,000
22,627 26,122 29,495 32,776 36,165
15,294 19,522 23,628 27,643 31,765
337,012 337,012 337,012 337,012 337,012
31,957 38,635 45,809 53,530 62,209
24,624 32,035 39,942 48,397 57,809
337,012 337,012 337,012 337,012 337,012
11 12 13 14 15
61 62 63 64 65
A A A A A
10,000 10,000 10,000 10,000 0
0 0 0 0 0
10,000 10,000 10,000 10,000 0
42,342 48,441 54,410 60,214 56,064
38,675 45,508 52,210 58,748 55,330
337,012 337,012 337,012 337,012 337,012
76,816 92,776 110,234 129,356 139,642
73,150 89,843 108,034 127,889 138,908
337,012 337,012 337,012 337,012 337,012
* 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 October 5, 2011, 8:08 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W 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 Designed for: John Client Issue Age: 50 Male, Standard Non-Tobacco
Policy EOY Year Age Key 16 66 AL 17 67 AL 18 68 AL 19 69 AL 20 70 AL
$337,012 Selected Face Amount Initial Annual Premium: $7,000.00 Initial Death Benefit Option: Level
Gross Premium Outlay 0 0 0 0 0 _______ 110,000
Total Cash from Policy* 18,394 18,394 18,394 18,394 18,394 ________ 91,969
Guaranteed at 2% (1) Net Account Outlay Value –18,394 51,299 –18,394 45,872 –18,394 0 –18,394 0 –18,394 0 ________ 18,031
Non-Guaranteed Assumed (1)
Net Cash Value 32,378 7,022 0 0 0
Net Death Benefit 318,091 298,162 0 0 0
Account Value 150,888 163,135 176,513 191,126 207,076
Net Cash Value 131,967 124,285 116,672 109,175 101,837
Net Death Benefit 318,091 298,162 277,171 255,061 231,773
21 22 23 24 25
71 72 73 74 75
AL AL AL AL AL
0 0 0 0 0
18,394 18,394 18,394 18,394 18,394
–18,394 –18,394 –18,394 –18,394 –18,394
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
224,492 243,551 264,484 287,573 313,159
94,723 87,944 81,664 76,089 71,482
207,243 181,406 154,192 125,528 95,335
26 27 28 29 30
76 77 78 79 80
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 275,908
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –165,908
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
341,623 372,856 406,894 443,945 484,246
68,145 65,882 64,639 64,527 65,687
85,226 84,525 84,984 86,725 89,899
31 32 33 34 35
81 82 83 84 85
AL AL AL AL AL
0 0 0 0 0
18,394 18,394 18,394 18,394 18,394
–18,394 –18,394 –18,394 –18,394 –18,394
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
528,058 575,646 627,304 683,337 744,059
68,269 72,431 78,349 86,204 96,180
94,672 101,214 109,714 120,371 133,383
36 37 38 39 40
86 87 88 89 90
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 459,847
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –349,847
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
809,789 880,854 957,594 1,040,359 1,129,513
108,459 123,226 140,666 160,970 184,335
148,949 167,269 188,546 212,988 240,811
* 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 October 5, 2011, 8:08 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W This is page 2 of 4 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT Designed for: John Client Issue Age: 50 Male, Standard Non-Tobacco
Policy EOY Year Age Key 41 91 AL 42 92 AL 43 93 AL 44 94 AL 45 95 AL
$337,012 Selected Face Amount Initial Annual Premium: $7,000.00 Initial Death Benefit Option: Level
Gross Premium Outlay 0 0 0 0 0
Total Cash from Policy* 18,394 18,394 18,394 18,394 18,394
Guaranteed at 2% (1) Net Account Outlay Value –18,394 0 –18,394 0 –18,394 0 –18,394 0 –18,394 0
Non-Guaranteed Assumed (1)
Net Cash Value 0 0 0 0 0
Net Death Benefit 0 0 0 0 0
Account Value 1,225,435 1,330,019 1,444,260 1,569,302 1,704,268
Net Cash Value 210,961 242,557 279,918 323,984 373,658
Net Death Benefit 259,979 282,457 308,803 355,370 407,743
46 47 48 49 50
96 97 98 99 100
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 643,786
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –533,786
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
1,849,811 2,006,738 2,175,773 2,357,656 2,553,143
429,363 491,664 561,029 637,931 722,841
466,359 531,799 604,545 685,085 773,904
51 52 53 54 55
101 102 103 104 105
AL AL AL AL AL
0 0 0 0 0
18,394 18,394 18,394 18,394 18,394
–18,394 –18,394 –18,394 –18,394 –18,394
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
2,762,988 2,987,660 3,227,174 3,481,888 3,752,040
816,217 918,211 1,028,509 1,147,121 1,273,917
871,477 977,964 1,093,053 1,216,759 1,348,958
56 57 58 59 60
106 107 108 109 110
AL AL AL AL AL
0 0 0 0 0 _______ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 827,725
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –717,725
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
4,037,761 4,338,974 4,655,385 4,986,445 5,338,779
1,408,641 1,550,809 1,699,699 1,854,311 2,020,791
1,489,396 1,637,589 1,792,807 1,954,039 2,127,566
61 62 63 64 65
111 112 113 114 115
AL AL AL AL AL
0 0 0 0 0
18,394 18,394 18,394 18,394 18,394
–18,394 –18,394 –18,394 –18,394 –18,394
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
5,696,765 6,065,803 6,443,875 6,828,461 7,238,494
2,183,017 2,345,864 2,506,754 2,662,583 2,831,667
2,296,953 2,467,180 2,635,631 2,799,152 2,976,437
* 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 October 5, 2011, 8:08 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W This is page 3 of 4 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Lifetime Builder Series III - Issue State: UT Designed for: John Client Issue Age: 50 Male, Standard Non-Tobacco
Policy EOY Year Age Key 66 116 AL 67 117 AL 68 118 AL 69 119 AL 70 120 AL
71
121
AL
$337,012 Selected Face Amount Initial Annual Premium: $7,000.00 Initial Death Benefit Option: Level Guaranteed at 2% (1)
Gross Premium Outlay 0 0 0 0 0 _______ 110,000
Total Cash from Policy* 18,394 18,394 18,394 18,394 18,394 ________ 1,011,663
Net Account Outlay Value –18,394 0 –18,394 0 –18,394 0 –18,394 0 –18,394 0 ________ –901,663
0 _______ 110,000
18,394 ________ 1,030,057
–18,394 ________ –920,057
0
Non-Guaranteed Assumed (1)
Net Cash Value 0 0 0 0 0
Net Death Benefit 0 0 0 0 0
Account Value 7,627,597 8,012,331 8,399,653 8,795,176 9,177,771
Net Cash Value 2,966,980 3,084,397 3,190,156 3,289,108 3,359,326
Net Death Benefit 3,119,532 3,244,644 3,358,149 3,465,011 3,542,882
0
0
9,579,240
3,431,770
3,623,355
Key: A = Annual Prems S = Semi-Annual Prems Q = Quarterly Prems M = Monthly/PAC Prems L = Monthly Loans^ R = Loan Repayment W = Withdrawal I = Interest Paid Out of Pocket F = Force Out P = Exercise of LP Rider
^ Loan interest is reflected as a reduction to the Net Cash Value and Net Death Benefit.
* 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 October 5, 2011, 8:08 AM
DB: 29015.00016 SYS: 2.90.239 Version: 2.90.0.406W This is page 4 of 4 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy Values Lifetime Builder Series III Issue State: UT Designed for: John Client $337,012 Selected Face Amount Issue Age: 50 Initial Annual Premium: $7,000.00 Male, Standard Non-Tobacco Initial Death Benefit Option: Level Supplemental Report Description: This report shows both the account value and cash surrender value, and lists the schedule of surrender charges for the illustrated policy. Non-Guaranteed Assumed End of Year
Modal Premium
Times Per Year
Annual Premium
Cash From Policy
Age
1 2 3 4 5
Annual Outlay
Surr Cash Value
Surr Charge
Account Value
Net Death Benefit
51 52 53 54 55
7,000 7,000 7,000 7,000 7,000
1 1 1 1 1
7,000 7,000 7,000 7,000 7,000
0 0 0 0 0
7,000 7,000 7,000 7,000 7,000
0 0 4,926 11,110 17,663
11,000 10,267 9,533 8,800 8,067
4,535 9,345 14,460 19,910 25,729
337,012 337,012 337,012 337,012 337,012
6 7 8 9 10
56 57 58 59 60
7,000 7,000 7,000 7,000 7,000
1 1 1 1 1
7,000 7,000 7,000 7,000 7,000 ________ 70,000
0 0 0 0 0 ________ 0
7,000 7,000 7,000 7,000 7,000 ________ 70,000
24,624 32,035 39,942 48,397 57,809
7,333 6,600 5,867 5,133 4,400
31,957 38,635 45,809 53,530 62,209
337,012 337,012 337,012 337,012 337,012
11 12 13 14 15
61 62 63 64 65
10,000 10,000 10,000 10,000 0
1 1 1 1 1
10,000 10,000 10,000 10,000 0
0 0 0 0 0
10,000 10,000 10,000 10,000 0
73,150 89,843 108,034 127,889 138,908
3,667 2,933 2,200 1,467 733
76,816 92,776 110,234 129,356 139,642
337,012 337,012 337,012 337,012 337,012
16 17 18 19 20
66 67 68 69 70
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 91,969
–18,394 –18,394 –18,394 –18,394 –18,394 ________ 18,031
131,967 124,285 116,672 109,175 101,837
0 0 0 0 0
150,888 163,135 176,513 191,126 207,076
318,091 298,162 277,171 255,061 231,773
21 22 23 24 25
71 72 73 74 75
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
18,394 18,394 18,394 18,394 18,394
–18,394 –18,394 –18,394 –18,394 –18,394
94,723 87,944 81,664 76,089 71,482
0 0 0 0 0
224,492 243,551 264,484 287,573 313,159
207,243 181,406 154,192 125,528 95,335
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 1 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy Values Lifetime Builder Series III Issue State: UT Designed for: John Client Issue Age: 50 Male, Standard Non-Tobacco
$337,012 Selected Face Amount Initial Annual Premium: $7,000.00 Initial Death Benefit Option: Level Non-Guaranteed Assumed
End of Year
Age
Modal Premium
Times Per Year
Annual Premium
Cash From Policy
Annual Outlay
Surr Cash Value
Surr Charge
Account Value
Net Death Benefit
26 27 28 29 30
76 77 78 79 80
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 275,908
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –165,908
68,145 65,882 64,639 64,527 65,687
0 0 0 0 0
341,623 372,856 406,894 443,945 484,246
85,226 84,525 84,984 86,725 89,899
31 32 33 34 35
81 82 83 84 85
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
18,394 18,394 18,394 18,394 18,394
–18,394 –18,394 –18,394 –18,394 –18,394
68,269 72,431 78,349 86,204 96,180
0 0 0 0 0
528,058 575,646 627,304 683,337 744,059
94,672 101,214 109,714 120,371 133,383
36 37 38 39 40
86 87 88 89 90
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 459,847
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –349,847
108,459 123,226 140,666 160,970 184,335
0 0 0 0 0
809,789 880,854 957,594 1,040,359 1,129,513
148,949 167,269 188,546 212,988 240,811
41 42 43 44 45
91 92 93 94 95
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
18,394 18,394 18,394 18,394 18,394
–18,394 –18,394 –18,394 –18,394 –18,394
210,961 242,557 279,918 323,984 373,658
0 0 0 0 0
1,225,435 1,330,019 1,444,260 1,569,302 1,704,268
259,979 282,457 308,803 355,370 407,743
46 47 48 49 50
96 97 98 99 100
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 643,786
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –533,786
429,363 491,664 561,029 637,931 722,841
0 0 0 0 0
1,849,811 2,006,738 2,175,773 2,357,656 2,553,143
466,359 531,799 604,545 685,085 773,904
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 2 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy Values Lifetime Builder Series III Issue State: UT Designed for: John Client Issue Age: 50 Male, Standard Non-Tobacco
$337,012 Selected Face Amount Initial Annual Premium: $7,000.00 Initial Death Benefit Option: Level Non-Guaranteed Assumed
End of Year
Age
Modal Premium
Times Per Year
Annual Premium
Cash From Policy
Annual Outlay
Surr Cash Value
Surr Charge
Account Value
Net Death Benefit
51 52 53 54 55
101 102 103 104 105
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
18,394 18,394 18,394 18,394 18,394
–18,394 –18,394 –18,394 –18,394 –18,394
816,217 918,211 1,028,509 1,147,121 1,273,917
0 0 0 0 0
2,762,988 2,987,660 3,227,174 3,481,888 3,752,040
871,477 977,964 1,093,053 1,216,759 1,348,958
56 57 58 59 60
106 107 108 109 110
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 827,725
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –717,725
1,408,641 1,550,809 1,699,699 1,854,311 2,020,791
0 0 0 0 0
4,037,761 4,338,974 4,655,385 4,986,445 5,338,779
1,489,396 1,637,589 1,792,807 1,954,039 2,127,566
61 62 63 64 65
111 112 113 114 115
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0
18,394 18,394 18,394 18,394 18,394
–18,394 –18,394 –18,394 –18,394 –18,394
2,183,017 2,345,864 2,506,754 2,662,583 2,831,667
0 0 0 0 0
5,696,765 6,065,803 6,443,875 6,828,461 7,238,494
2,296,953 2,467,180 2,635,631 2,799,152 2,976,437
66 67 68 69 70
116 117 118 119 120
0 0 0 0 0
1 1 1 1 1
0 0 0 0 0 ________ 110,000
18,394 18,394 18,394 18,394 18,394 ________ 1,011,663
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –901,663
2,966,980 3,084,397 3,190,156 3,289,108 3,359,326
0 0 0 0 0
7,627,597 8,012,331 8,399,653 8,795,176 9,177,771
3,119,532 3,244,644 3,358,149 3,465,011 3,542,882
71
121
0
1
0 ________ 110,000
18,394 ________ 1,030,057
–18,394 ________ –920,057
3,431,770
0
9,579,240
3,623,355
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 3 of 3 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy vs 4 Funds Lifetime Builder Series III Issue State: UT Designed for: John Client $337,012 Selected Face Amount Issue Age: 50 Initial Annual Premium: $7,000.00 Male, Standard Non-Tobacco Initial Death Benefit Option: Level Supplemental Report Description: This report compares the policy's projected cash surrender value to four hypothetical investment funds. This report assumes a Tax Bracket of 28%. Non-Guaranteed Policy Values Assumed End of Year
Age
Annual Outlay
Taxable Fund @ 4.00%
Taxable Fund @ 6.00%
Taxable Fund @ 8.00%
Tax-Free Fund @ 4.00%
Surr. Cash Value
Death Benefit
1 2 3 4 5
51 52 53 54 55
7,000 7,000 7,000 7,000 7,000
7,202 14,611 22,233 30,075 38,143
7,302 14,920 22,867 31,157 39,806
7,403 15,233 23,513 32,271 41,533
7,280 14,851 22,725 30,914 39,431
0 0 4,926 11,110 17,663
337,012 337,012 337,012 337,012 337,012
6 7 8 9 10
56 57 58 59 60
7,000 7,000 7,000 7,000 7,000 ________ 70,000
46,443 54,982 63,767 72,805 82,103
48,828 58,240 68,058 78,301 88,986
51,329 61,688 72,645 84,232 96,487
48,288 57,500 67,080 77,043 87,404
24,624 32,035 39,942 48,397 57,809
337,012 337,012 337,012 337,012 337,012
11 12 13 14 15
61 62 63 64 65
10,000 10,000 10,000 10,000 0
94,756 107,773 121,165 134,942 138,829
103,262 118,155 133,691 149,898 156,374
112,621 129,684 147,730 166,815 176,423
101,301 115,753 130,783 146,414 152,271
73,150 89,843 108,034 127,889 138,908
337,012 337,012 337,012 337,012 337,012
16 17 18 19 20
66 67 68 69 70
–18,394 –18,394 –18,394 –18,394 –18,394 ________ 18,031
123,903 108,548 92,751 76,498 59,778
143,941 130,971 117,440 103,325 88,600
167,132 157,305 146,913 135,922 124,297
139,232 125,671 111,569 96,902 81,648
131,967 124,285 116,672 109,175 101,837
318,091 298,162 277,171 255,061 231,773
Rate of Return Needed to Match Lifetime Builder Series III in Year 20: Assumed Surr. Cash Value Assumed Death Benefit * The interest on this financial instrument is taxable as earned.
$101,837 $231,773
Taxable Fund* 6.79% 12.30%
Tax Free Fund 4.89% 8.86%
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 1 of 4 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy vs 4 Funds Lifetime Builder Series III Issue State: UT Designed for: John Client Issue Age: 50 Male, Standard Non-Tobacco
$337,012 Selected Face Amount Initial Annual Premium: $7,000.00 Initial Death Benefit Option: Level Non-Guaranteed Policy Values Assumed
End of Year
Age
Annual Outlay
Taxable Fund @ 4.00%
Taxable Fund @ 6.00%
Taxable Fund @ 8.00%
Tax-Free Fund @ 4.00%
Surr. Cash Value
Death Benefit
21 22 23 24 25
71 72 73 74 75
–18,394 –18,394 –18,394 –18,394 –18,394
42,576 24,878 6,671 0 0
73,239 57,214 40,498 23,059 4,866
112,004 99,002 85,251 70,708 55,327
65,785 49,286 32,128 14,284 0
94,723 87,944 81,664 76,089 71,482
207,243 181,406 154,192 125,528 95,335
26 27 28 29 30
76 77 78 79 80
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –165,908
0 0 0 0 0
0 0 0 0 0
39,061 21,857 3,663 0 0
0 0 0 0 0
68,145 65,882 64,639 64,527 65,687
85,226 84,525 84,984 86,725 89,899
31 32 33 34 35
81 82 83 84 85
–18,394 –18,394 –18,394 –18,394 –18,394
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
68,269 72,431 78,349 86,204 96,180
94,672 101,214 109,714 120,371 133,383
36 37 38 39 40
86 87 88 89 90
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –349,847
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
108,459 123,226 140,666 160,970 184,335
148,949 167,269 188,546 212,988 240,811
41 42 43 44 45
91 92 93 94 95
–18,394 –18,394 –18,394 –18,394 –18,394
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
210,961 242,557 279,918 323,984 373,658
259,979 282,457 308,803 355,370 407,743
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 2 of 4 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy vs 4 Funds Lifetime Builder Series III Issue State: UT Designed for: John Client Issue Age: 50 Male, Standard Non-Tobacco
$337,012 Selected Face Amount Initial Annual Premium: $7,000.00 Initial Death Benefit Option: Level Non-Guaranteed Policy Values Assumed
End of Year
Taxable Fund @ 4.00%
Taxable Fund @ 6.00%
Taxable Fund @ 8.00%
Tax-Free Fund @ 4.00%
Surr. Cash Value
Death Benefit
Age
46 47 48 49 50
96 97 98 99 100
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –533,786
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
429,363 491,664 561,029 637,931 722,841
466,359 531,799 604,545 685,085 773,904
51 52 53 54 55
101 102 103 104 105
–18,394 –18,394 –18,394 –18,394 –18,394
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
816,217 918,211 1,028,509 1,147,121 1,273,917
871,477 977,964 1,093,053 1,216,759 1,348,958
56 57 58 59 60
106 107 108 109 110
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –717,725
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
1,408,641 1,550,809 1,699,699 1,854,311 2,020,791
1,489,396 1,637,589 1,792,807 1,954,039 2,127,566
61 62 63 64 65
111 112 113 114 115
–18,394 –18,394 –18,394 –18,394 –18,394
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
2,183,017 2,345,864 2,506,754 2,662,583 2,831,667
2,296,953 2,467,180 2,635,631 2,799,152 2,976,437
66 67 68 69 70
116 117 118 119 120
–18,394 –18,394 –18,394 –18,394 –18,394 ________ –901,663
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
0 0 0 0 0
2,966,980 3,084,397 3,190,156 3,289,108 3,359,326
3,119,532 3,244,644 3,358,149 3,465,011 3,542,882
71
121
–18,394 ________ –920,057
0
0
0
0
3,431,770
3,623,355
Annual Outlay
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 3 of 4 pages and is not valid unless all pages are included.
Aviva Life and Annuity Company Supplemental Illustration Policy vs 4 Funds Lifetime Builder Series III Issue State: UT Designed for: John Client Issue Age: 50 Male, Standard Non-Tobacco
$337,012 Selected Face Amount Initial Annual Premium: $7,000.00 Initial Death Benefit Option: Level
Many "tax-free" funds are still subject to state income taxes. This illustration does not take state income taxes into account. The life insurance cash value and death benefit are based on an interest rate of 7.26% to age 51, 7.81% to age 52, 8.05% to age 53, 8.19% to age 54, 8.28% to age 55, 8.35% to age 56, 8.39% to age 57, 8.43% to age 58, 8.46% to age 59, 8.49% to age 60, 8.61% to age 61, 8.63% to age 62, 8.64% to age 63, 8.65% to age 64, and 8.70% to age 121. Tax Advantages of Lifetime Builder Series III Under certain provisions of the Internal Revenue Code, death benefits are received income tax free, and life insurance cash values accumulate income tax deferred. Policy loans and withdrawals are not always income tax free. You should seek independent tax advice from a qualified tax specialist or attorney.
The values and benefits are not guaranteed and are subject to change unless the column is marked guaranteed. This supplemental illustration must be accompanied by a basic illustration for required disclosure. Form 2ECG10 Presented by BRENT A TYCKSEN October 05, 2011 Version: 2.90.0.406
This is page 4 of 4 pages and is not valid unless all pages are included.
