Personalized Illustration
$1,000,000 Death Benefit · Protection + Income
At 69, the math is different from a 36 or 57-year-old. The build phase is shorter, premiums are higher, and the timeline for income is compressed. Nevelyn's strategy prioritizes protection and legacy with a measured income component — designed to work within her specific window.
| Year | Age | Premium | Loan | Net OOP | Phase |
|---|---|---|---|---|---|
| 1 | 69 | $84,000 | — | $84,000 | Build |
| 3 | 71 | $108,000 | $38,400 | $69,600 | Build |
| 5 | 73 | $108,000 | $52,800 | $55,200 | Build |
| 8 | 76 | $108,000 | $78,200 | $29,800 | Build |
| 10 | 78 | $108,000 | $110,400 | −$2,400 | Crossover |
| 12 | 80 | $0 | — | $0 | Paid Up |
| 13 | 81 | $0 | $22,400 | — | Income |
| 16 | 84 | $0 | $25,600 | — | Income |
| 20 | 88 | $0 | $29,200 | — | Income |
| 25 | 93 | $0 | $32,800 | — | Income |
| 31 | 99 | $0 | $35,400 | — | Income |