Assuming 34% Income Tax Bracket (combined State and Federal)
| Pension Plan | Policy | Pension Plan | Pension Plan | Policy | LTC | |
|---|---|---|---|---|---|---|
| Age | Deposit | Deposit | Value | Income | Income | Benefit |
| 47 | $33,500 | $25,000 | $33,500.00 | $0.00 | $0.00 | $900,000.00 |
| 48 | $33,500 | $25,000 | $68,675.00 | $0.00 | $0.00 | $900,000.00 |
| 49 | $33,500 | $25,000 | $105,608.75 | $0.00 | $0.00 | $90,000.00 |
| 50 | $33,500 | $25,000 | $144,389.19 | $0.00 | $0.00 | $900,000.00 |
| 51 | $33,500 | $25,000 | $185,108.65 | $0.00 | $0.00 | $900,000.00 |
| 52 | $33,500 | $25,000 | $227,864.08 | $0.00 | $0.00 | $900,000.00 |
| 53 | $33,500 | $25,000 | $272,757.28 | $0.00 | $0.00 | $900,000.00 |
| 54 | $33,500 | $25,000 | $319,895.15 | $0.00 | $0.00 | $900,000.00 |
| 55 | $33,500 | $25,000 | $369,389.90 | $0.00 | $0.00 | $900,000.00 |
| 56 | $33,500 | $25,000 | $421,359.40 | $0.00 | $0.00 | $900,000.00 |
| 57 | $33,500 | $25,000 | $475,927.37 | $0.00 | $0.00 | $900,000.00 |
| 58 | $33,500 | $25,000 | $533,223.74 | $0.00 | $0.00 | $900,000.00 |
| 59 | $32,176 | $24,012 | $592,060.93 | $0.00 | $0.00 | $900,000.00 |
| 60 | $33,398 | $24,924 | $655,061.97 | $0.00 | $0.00 | $900,000.00 |
| 61 | $33,398 | $24,924 | $721,213.07 | $0.00 | $0.00 | $900,000.00 |
| 62 | $0 | $757,273.72 | $73,700.00 | $55,000.00 | $750,000.00 | |
| 63 | $0 | $721,437.40 | $73,700.00 | $55,000.00 | $750,000.00 | |
| 64 | $0 | $683,809.27 | $73,700.00 | $55,000.00 | $750,000.00 | |
| 65 | $0 | $644,299.73 | $73,700.00 | $55,000.00 | $750,000.00 | |
| 66 | $0 | $602,814.72 | $73,700.00 | $55,000.00 | $750,000.00 | |
| 67 | $0 | $559,255.46 | $73,700.00 | $55,000.00 | $750,000.00 | |
| 68 | $0 | $513,518.23 | $73,700.00 | $55,000.00 | $750,000.00 | |
| 69 | $0 | $465,494.14 | $73,700.00 | $55,000.00 | $750,000.00 | |
| 70 | $0 | $415,068.85 | $73,700.00 | $55,000.00 | $750,000.00 | |
| 71 | $0 | $362,122.29 | $73,700.00 | $55,000.00 | $750,000.00 | |
| 72 | $0 | $306,528.40 | $73,700.00 | $55,000.00 | $750,000.00 | |
| 73 | $0 | $248,154.82 | $73,700.00 | $55,000.00 | $750,000.00 | |
| 74 | $0 | $186,862.56 | $73,700.00 | $55,000.00 | $750,000.00 | |
| 75 | $0 | $122,505.69 | $73,700.00 | $55,000.00 | $750,000.00 | |
| 76 | $0 | $54,930.97 | $73,700.00 | $55,000.00 | $750,000.00 | |
| 77 | $0 | $0.00 | $57,677.52 | $55,000.00 | $750,000.00 | |
| 78 | $0 | $0.00 | $0.00 | $55,000.00 | $750,000.00 | |
| 79 | $0 | $0.00 | $0.00 | $55,000.00 | $750,000.00 | |
| 80 | $0 | $0.00 | $0.00 | $55,000.00 | $750,000.00 |
Policy assumes a 7.22% ROR and a 4.51% Net ROR linked to the S&P Index (160% participation account)