Personalized Illustration

Thomas · Age 57

$1,500,000 Death Benefit · Accelerated Pay-Up Model

Your Milestones

Yr 1

Protection Starts

$1.5M death benefit + chronic, critical, and terminal illness riders active from day one.

Yr 2

Loans Begin

$37,138 loan offsets premium. Net cost drops to $50,439.

Yr 11

Crossover

At age 67, loans exceed premium. You stop paying out of pocket.

Yr 12

Fully Paid Up — Age 68

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

Yr 13

Tax-Free Income Begins

$24,990/yr at 69, growing to $27,599 by 76. Tax-free policy loans for life.

Year-by-Year Breakdown

Year	Age	Premium	Loan	Net OOP	Phase
1	57	$84,000	—	$84,000	Build
2	58	$87,577	$37,138	$50,439	Build
3	59	$87,577	$42,384	$45,193	Build
4	60	$87,577	$47,848	$39,729	Build
5	61	$87,577	$69,574	$18,003	Build
6	62	$87,577	$57,048	$30,529	Build
7	63	$87,577	$62,262	$25,315	Build
8	64	$87,577	$67,694	$19,883	Build
9	65	$87,577	$73,358	$14,219	Build
10	66	$87,577	$87,152	$425	Build
11	67	$87,577	$92,998	−$5,421	Crossover
12	68	$0	—	$0	Paid Up
13	69	$0	$24,990	—	Income
14	70	$0	$25,394	—	Income
15	71	$0	$25,808	—	Income
16	72	$0	$26,230	—	Income
17	73	$0	$26,662	—	Income
18	74	$0	$27,102	—	Income
19	75	$0	$27,346	—	Income
20	76	$0	$27,599	—	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. After Year 11, you stop paying out of pocket entirely.

Chronic, critical, and terminal illness riders are active from day one. Access a portion of your $1.5M death benefit during a qualifying health event — no waiting period.

Starting at age 69, policy loans of $24,990–$27,599/yr are deployed as tax-free income. These are policy loans — not taxable distributions. Your death benefit stays intact.

Named APPA advisor, annual policy review, access to workshops, self-paced modules, and the full publication library including Psychology Aisle, Heal Frontier Magazine, and APPA's Own.

APPA manages the annual loan strategy — never exceeding 80% of available cash value increase. This protects your policy from lapse risk and ensures the income stream is sustainable for life.

Thomas · Age 57

Premium Assistance

Living Benefits

Tax-Free Income

Education & Advisory

80% Loan Discipline

Questions about your illustration?