A Comparison of Insurance Plans For Harvey Pierce, MD
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1 For Harvey Pierce, MD Presented By: [Licensed user's name appears here]
2 Preface In the accompanying pages, you will find a financial analysis that compares and contrasts benefits of different life insurance plans. The principle utilized in making the comparison involves measuring relational rates of return. Examine the following hypothetical examples. Plan X Plan Y 10 annual payments of: $ 1,000 7 annual payments of: $ 2,000 Total payments: 10,000 14,000 20th year plan value: 30,000 40,000 Profit over 20 years: 20,000 26,000 Plan Y looks like the preferred choice since it produces a profit of $26,000 while the profit from Plan X is only $20,000. Nevertheless, when both plans are studied from an internal rate of return (IRR), Plan X is superior. Plan X 20th Plan Y 7.21% Net IRR 6.32% 10.30% Pre-Tax Equivalent IRR 9.03% (30% income tax bracket) The results are due to the amounts and the timing of the payments. Policy Y not only requires a larger total premium, but payment of it is scheduled over a shorter time period. A comparison of financial alternatives must take both elements into account. A mathematical evaluation is not the only important item to study when purchasing life insurance. Others are: 1. The financial strength of the company; 2. Suitability of the type of plan; 3. Plan provisions and contractual guarantees; 4. Historical results for the same or similar plans; 5. Reputation of the agent or broker. An analysis of these points, along with conclusions drawn from the accompanying reports, should be useful to you as part of the evaluation of your life insurance purchase. Below is a graphic summarizing the results of the accompanying presentation. Indexed UL Fixed s Indexed UL Participating s 474,340 s 474,340 1,861,790 3,187,485 Comparative Analysis of Net Rate of Return 5.88% 8.07% 6.16% Living Values 8.19% This graphic assumes the non-guaranteed values shown continue in all years. This is not likely, and actual results may be more or less favorable. Page 1 of 10
3 Indexed UL Fixed s Indexed UL Participating s * * 1 23, ,414 6, ,414 23, ,414 6, , , ,344 31, , , ,344 31, , , ,921 57, , , ,921 57, , , ,283 85, , , ,283 85, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,008 1, , , ,008 1, , , , ,076 1,008, , , ,076 1,008, , , ,312 1,069, , , ,312 1,069, , , ,981 1,134, , , ,981 1,134, , , ,402 1,205, , , ,402 1,205, , , ,908 1,280, , , ,908 1,280, , , ,854 1,361, , , ,854 1,361, , , ,620 1,448, , , ,620 1,448, , , ,522 1,461, , , ,751 1,421, , , ,031 1,475, , , ,920 1,394, , , ,139 1,489, , , ,196 1,368, ,194 1,003,827 1,003,827 1,503, , , ,650 1,341, ,194 1,019,072 1,019,072 1,519, , , ,360 1,315, ,194 1,034,834 1,034,834 1,534, , , ,402 1,289, ,194 1,051,179 1,051,179 1,551, , , ,974 1,263, ,194 1,068,078 1,068,078 1,568, , , ,195 1,239, ,194 1,085,490 1,085,490 1,585, , , ,192 1,215, ,194 1,103,362 1,103,362 1,603, , , ,099 1,192, , , , ,710 Page 2 of 10
4 Indexed UL Fixed s Indexed UL Participating s * * ,194 1,121,624 1,121,624 1,621, , , ,059 1,170, ,194 1,140,168 1,140,168 1,640, , , ,196 1,149, ,194 1,158,878 1,158,878 1,658, , , ,657 1,129, ,194 1,177,612 1,177,612 1,677, , , ,591 1,111, ,194 1,196,197 1,196,197 1,696, , , ,147 1,095, ,194 1,214,429 1,214,429 1,714, , , ,483 1,080, ,194 1,232,254 1,232,254 1,732, , , ,938 1,067, ,194 1,249,448 1,249,448 1,749, , , ,731 1,057, ,194 1,265,756 1,265,756 1,765, , , ,088 1,050, ,194 1,280,850 1,280,850 1,780, ,071 5,216 5,216 1,0, ,194 1,293,884 1,293,884 1,793, , , ,854 1,042, ,194 1,304,018 1,304,018 1,804, , , ,807 1,042, ,194 1,310,444 1,310,444 1,810, , , ,978 1,044, ,194 1,312,247 1,312,247 1,812, , , ,228 1,049, ,194 1,308,376 1,308,376 1,808, , , ,367 1,055, ,194 1,297,581 1,297,581 1,797, , , ,079 1,063, ,194 1,278,387 1,278,387 1,778, , , ,920 1,071, ,194 1,249,201 1,249,201 1,749, , ,4 581,4 1,081, ,194 1,208,264 1,208,264 1,708, , , ,180 1,091, ,194 1,153,779 1,153,779 1,653, , , ,701 1,100, ,194 1,083,985 1,083,985 1,583, , , ,752 1,109, , , ,981 1,496, , , ,069 1,118, , , ,208 1,391, , , ,886 1,125, , , ,922 1,264, , , ,415 1,133, , , ,191 1,115, , , ,874 1,139, ,340 1,861, ,340 3,187,485 Page 3 of 10
5 55th Summary Analysis of Values Indexed UL Fixed s Indexed UL Participating s 474,340 s 474,340 1,861,790 3,187,485 Comparative Analysis of Values 615, ,874 1,115,191 1,139,874 Living Values Page 4 of 10
6 55th Summary Analysis of Gross Rate of Return Indexed UL Fixed s Indexed UL Participating s 474,340 s 474,340 1,861,790 3,187,485 Comparative Analysis of Gross Rate of Return 9.80% 13.44% 10.26% Living Values 13.65% Page 5 of 10
7 55 Analysis Indexed UL Fixed s Indexed UL Participating s $4M Cum. s $4M Cum. s 3M 3M $3,187,485 2M $1,861,790 2M 1M 1M 0 Yrs $474,340 0 Yrs $474,340 Comparative Analysis of Values $4M Living Values $4M Living Values 3M 3M 2M 2M 1M $1,115,191 $615,191 1M $1,139,874 $639,874 0 Yrs Yrs Page 6 of 10
8 Indexed UL Fixed s Indexed UL Participating s Gross Rate of Return Required on Column to Match Policy Values Gross Rate of Return Required on Column to Match Policy Values * * 1 23, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,710 Page 7 of 10
9 Indexed UL Fixed s Indexed UL Participating s Gross Rate of Return Required on Column to Match Policy Values Gross Rate of Return Required on Column to Match Policy Values * * , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,340 1,861, ,340 3,187,485 Page 8 of 10
10 Indexed UL Fixed s Indexed UL Participating s Net Rate of Return Required on Column to Match Policy Values Net Rate of Return Required on Column to Match Policy Values * * 1 23, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,710 Page 9 of 10
11 Indexed UL Fixed s Indexed UL Participating s Net Rate of Return Required on Column to Match Policy Values Net Rate of Return Required on Column to Match Policy Values * * , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,340 1,861, ,340 3,187,485 Page 10 of 10
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