Cash Flow Strategy & Wealth Distribution 3

Purpose: Go deeper than premiums and death benefits. Compare two strategies across projected values at key milestones, net present value, and critical living benefits like disability waiver, long-term care riders, and chronic illness acceleration.

Strategy Inputs

Strategy A

Strategy Name

Protection Amount ($)

Annual Cost ($)

Value at Year 10 ($)

Value at Year 20 ($)

Value at Year 30 ($)

Discount Rate for NPV (%)

Strategy B

Strategy Name

Protection Amount ($)

Annual Cost ($)

Value at Year 10 ($)

Value at Year 20 ($)

Value at Year 30 ($)

Discount Rate for NPV (%)

Living Benefits Comparison

Living Benefit	Strategy A	Strategy B
Disability Waiver of Premium
Long-Term Care Rider
Chronic Illness Accelerated Benefit
Cash Value Access (Loans/Withdrawals)
Guaranteed Insurability Option
Terminal Illness Benefit

Net Present Value — Strategy A

Current Term Life

Net Present Value — Strategy B

Whole Life + Riders

Strategy Inputs

Strategy A

Strategy B

Living Benefits Comparison

Side-by-Side Comparison at Key Milestones

Living Benefits Score