Personalized Illustration

Ryonna · Age 36

$2,000,000 Death Benefit · Accelerated Pay-Up Model

Your Milestones

Yr 1

Protection Starts

$2M death benefit + chronic, critical, and terminal illness riders active from day one.

Yr 2

Loans Begin

Loans begin offsetting your premium. Net out-of-pocket drops every year.

Yr 10

Crossover — Age 45

Loans exceed premium. You stop paying out of pocket.

Yr 14

Fully Paid Up — Age 49

Contract premium drops to $0. The policy sustains itself.

Yr 15

Tax-Free Income Begins — Age 50

$21,836/yr at 50, growing to $86,334 by age 99. Tax-free for life.

Key Year Highlights

Year	Age	Premium	Loan	Net OOP	Phase
1	36	$33,600	—	$33,600	Build
2	37	$50,400	$10,684	$39,716	Build
5	40	$50,400	$22,738	$27,662	Build
10	45	$50,400	$51,682	−$1,282	Crossover
13	48	$50,400	$62,878	−$12,478	Build
14	49	$30,298	—	$0	Paid Up
15	50	$0	$21,836	—	Income
20	55	$0	$27,396	—	Income
25	60	$0	$34,370	—	Income
30	65	$0	$41,478	—	Income
35	70	$0	$49,754	—	Income
45	80	$0	$60,132	—	Income
55	90	$0	$72,486	—	Income
64	99	$0	$86,334	—	Income

What's Included

APPA provides the upfront premium capital. Loans offset your premium from Year 2, reducing your net cost every year until crossover at age 45.

Chronic, critical, and terminal illness riders active from day one. Access a portion of your $2M death benefit during a qualifying health event.

Starting at age 50, policy loans grow from $21,836/yr to $86,334/yr by age 99. Over a lifetime, that's $2.3M+ in tax-free income while your death benefit stays intact.

Named APPA advisor, annual reviews, workshops, modules, and the full publication library.

Annual loan strategy managed to 80% of available cash value increase. Protects your policy and ensures sustainable lifetime income.

Ryonna · Age 36

Premium Assistance

Living Benefits

Tax-Free Income

Education & Advisory

80% Loan Discipline

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