| Annual premium for standard term life insurance | $205.00 |
| Annual premium for ROP term life insurance | $1,097.40 |
| Additional annual cost for ROP term life insurance | $892.40 |
| Amount returned at the end of the ROP policy term * | $16,461.00 |
| Approximate rate of return for this ROP policy** | 2.54% |
| *Approximate value; includes policy fees; not all companies return policy fees. Assumes all premiums have been paid, the policy is not terminated prior to the end of the policy term and no death benefit has been paid. | |
| **Assumes annual premium payments of $1097.40 for 15 years with $16,461.00 returned to the policy owner at the end of the 15th policy year. Premiums returned by the insurance company are not generally subject to income taxes (please consult your tax advisor). |
| Annual Investment** | Approximate Total after 15 years | Rate of Return | |
| Tax Free Investment | $892.40 | $16,456.77 | 2.54% |
| Taxable Investment* | $892.40 | $16,458.94 | 3.53% |
| *Based on the tax rate you provided on the calculator questionnaire. | |||
| **Represents the difference in annual cost for regular term life vs. ROP term life |