10/3/12

I-Excel 5 - Benefits

Il l us t ra t i on of B enefi t s - I-Excel 5
Name

: MR IOAN GABRIEL SALUDEZ

Age

:3

Sex

: Male

Total College Education Fund

: Php 1,500,000.00

College Education Benefit

Total Annual Premium

4% Interest Rate

: PhP 263,385.00

8% Interest Rate

Total
Total
Total
Total
End
Guaranteed Guaranteed
Attained
Annual
Supplemental Protection
Accumulated Living
Death Accumulated Living
Death
of
Cash
Death
First
Second
Age
Educational
Cash
Cash
Benefits Benefits
Cash
Benefits Benefits Premium
Year
Values
Benefit
Semester Semester
Allowance Benefits
Dividends including including Dividends including including
Dividends Dividends
Dividends Dividends
1

329,231

329,231

329,231 263,385.00

126,000

658,463

4,305

130,305

662,768

9,690

135,690

668,153 263,385.00

589,500

987,694

8,242

597,742

995,936

18,940

608,440 1,006,634 263,385.00

810,000

1,316,925

13,192

823,192 1,330,117

30,835

840,835 1,347,760 263,385.00

1,041,000

1,646,156

19,270

1,060,270 1,665,426

45,782

1,086,782 1,691,938 263,385.00

1,102,500

1,646,156

26,205

1,128,705 1,672,362

63,320

1,165,820 1,709,476

10

1,167,000

1,646,156

34,124

1,201,124 1,680,280

83,835

1,250,835 1,729,992

11

1,236,000

1,646,156

43,154

1,279,154 1,689,310

107,792

1,343,792 1,753,948

12

1,308,000

1,646,156

53,445

1,361,445 1,699,601

135,691

1,443,691 1,781,847

10

13

1,384,500

1,646,156

65,167

1,449,667 1,711,324

168,116

1,552,616 1,814,272

11

14

1,464,000

1,646,156

81,694

1,545,694 1,727,850

212,900

1,676,900 1,859,056

12

15

1,548,000

1,646,156

100,382

1,648,382 1,746,538

264,627

1,812,627 1,910,783

13

16

150,000

150,000

1,336,500

1,646,156

120,837

1,757,337 1,766,993

322,802

1,959,302 1,968,959

14

17

172,500

172,500

1,078,500

1,646,156

142,591

1,566,091 1,788,747

386,697

1,810,197 2,032,853

15

18

198,375

198,375

75,000

678,750

1,646,156

165,634

1,316,134 1,811,791

456,662

1,607,162 2,102,818

16

19

229,125

229,125

270,750

1,646,156

189,615

918,615 1,835,771

532,255

1,261,255 2,178,411

17

20

300,000

1,646,156

214,659

514,659 1,860,815

614,136

914,136 2,260,292

T he r a t e s o f r e t ur n sho w n he r e a r e f o r i l l ust r a t i o n pur po se s. The actual return may differ.

No t e s:
(i)

The preceding presentation is only a summar y illustration of the major benefits of your policy. You should refer to your agent or the Company for more information or,
if appropriate, a more detailed proposal.

(ii)

(iii)

(iv)

The preceding illustration relates to your Basic Plan including riders and assumes that all premiums are paid in full when due.

The amount of total premium(s) may differ slightly from the total of the premiums payable in the policy due to rounding differences.

The projected dividend values included in the preceding illustration are based on the Company's current dividend scales and are not guaranteed. The actual dividends
paid may change with the values being higher or lower than those illustrated.

(v)

As illustrated in the preceding presentation, you can leave the amount of projected dividends to accumulate with the Company at an interest rate which will change
from time to time. The interest rates used to illustrate the effect of accumulation in the above are 4% and current 8% p.a.These rates are not guaranteed. You can also
cash all or part of the amount of projected dividends without affecting the Total College Education Fund but the values shown in the table will be reduced accordingly.

De clarat io n
I confirm having read and understood the information contained in this summary of illustrated benefits.
Applicant's Name:

Signature:

Date:

03 Oct 2012 07:25AM

I-Quote version 1.14

https://portal.insularlife.com.ph/AgentPortal/IQuote/plans/I_Excel_5_Benefits.aspx

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