$90,000 × 3.15% = $2,835 / year
Annual payout from 43 months onwards第43个月起每年给付
Lump-sum rider一次性缴付附加险
Rider amount: $60,000附加险金额：$60,000
Payout calculation给付计算
$236.25 / month
Monthly payout每月给付$30,000
Lump sum一次性缴付
$90,000
0
Year年
Month 0第0个月
$30,000
No annual payment无需年缴
1
Year年
Month 12第12个月
$30,000
Rider payout附加险给付
$720
$60,000 × 1.2%
2
Year年
Month 24第24个月
Total premium paid总付保费
$90,000
3
Year年
Month 36第36个月
3.5
Year年
Month 43第43个月
4
Year年
Month 48第48个月
5
Year年
Month 60第60个月
…
Whole life终身
Capital guarantee保本
Surrender: take back 100% capital退保拿回100%本金
Whole-life protection 终身保障
Whole life death & terminal illness protection 终身身故及绝症保障
Total premium paid × 105%总付保费 × 105%
3 annual payments: $30,000 × 3 = $90,0003次年缴：$30,000 × 3 = $90,000
$90,000 × 105% = $94,500
Based on the selected premium and payment method根据所选保费与缴付方式计算
Without rider不附加 Rider
Death benefit by policy year各保单年度的身故保障
105% of premiums paid to date截至该年度已缴保费的105%
From Year 2 onward第2年起
$94,500
$31,500
0Year年$30,000 paid已缴 $30,000
$63,000
1Year年$60,000 paid已缴 $60,000
$94,500
2Year年$90,000 paid已缴 $90,000
$94,500
3Year年$90,000 paid已缴 $90,000
$94,500
4Year年$90,000 paid已缴 $90,000
$94,500
5Year年$90,000 paid已缴 $90,000
$94,500
6Year年$90,000 paid已缴 $90,000
$94,500
Whole life终身$90,000 total paid总付保费 $90,000