2018 September 10: Refreshing my knowledge on all this prior to our Partners /Beneficiaries meeting. “CPG” is Coverage Protection Guarantee. Each line represents a scenario. The line is cumulative money spent for each year. We want to spend as little money as possible.

The Blue line is $14,000 per year.

The yellow line represents what we are doing, a voluntary contribution of $5,800 / year for 9 more years and then a new amount. Notice after 2024 this is the bottom line which represents the least cumulative money spent.

The orange line represents no $5,800 voluntary contribution but a sharp increase in 2023.

The reason this is a complicated decision is because the bottom line changes.

Love to all. Please contact me if you have any questions. Love edward

2019/9 : Here’s the graph from illustrations as of July 24, 2019 (more illustrations requested on 9/3).  

Blue line is $17,136/yr until age 121
Yellow line is what we are doing now $5,800/yr.
    Death Benefit Protection [DBP] runs out in 11th month of 2028
Orange line is $0/yr. DBP runs out in month 7 of 2025)
When the DBP runs out the annual premium goes to about $50,000/year