PRODUCT ILLUSTRATIONS - Variable Life 2004, Volume 2
Male NS/Preferred Age 40 $1,000,000; $7,500 Annual Premium (9/1/2004)
Pacific Life : Pacific Select Exec II
Policy Classes Used in Illustrations : Select Nonsmoker, Nonsmoker, Smoker
Illustration Footnote & Clarification : Solved-for premiums are fully commissionable. Target premiums for specified premium scenarios were set to be equal to specified premium. All-base targets would be higher.
Product ID :
Minimum Annual Premium to Endow; Initial Premium : $3,969
Minimum Annual Premium to Endow; Initial Premium Duration : All years
Minimum Annual Premium to Endow; Final Premium : $3,969
Minimum Annual Premium to Carry; Initial Premium : $3,859
Minimum Annual Premium to Carry; Initial Premium Duration : All years
Minimum Annual Premium to Carry; Final Premium : $3,859
Current Target Premium : $7,500
Ten-Pay Premium : $7,233
Max. Period for Face Amount/DB Guarantee : 20 years
Premium Required for Max Face Amount/DB Guarantee Above : $4,661

MALE Level Death Benefit Year 1 Year 5 Year 10 Year 20 Year 30 Year 40 IRR Year 40
Current Accumulation Value $4,990 $28,440 $69,302 $247,255 $669,546 $1,742,357 7.31%
Current Cash Value $23,123 $69,302 $247,255 $669,546 $1,742,357 7.31%
Current Level Death Benefit $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,829,475 7.49%
Current COI $642 $1,083 $1,542 $3,000 $3,609 $1,868 0.00%
Current Expenses $2,389 $2,476 $2,496 $786 $988 $1,502 0.00%

Male Increasing Death Benefit Year 1 Year 5 Year 10 Year 20 Year 30 Year 40 IRR Year 40
Current Increasing Death Benefit $1,004,857 $1,027,576 $1,066,753 $1,234,943 $1,595,038 $2,331,588 8.39%

Male NS/Preferred Age 40 $1,000,000; $7,500 Annual Premium (9/1/2004)
Jefferson Pilot Financial : Ensemble Accumulator
Policy Classes Used in Illustrations :
Illustration Footnote & Clarification : Ten Pay Premium (1-4 Pay) $250K/Age 40/$3,000 = $1,961; $1MM/Age 40/$7,500 = 7,842
Product ID :
Minimum Annual Premium to Endow; Initial Premium : $7,842
Minimum Annual Premium to Endow; Initial Premium Duration : 4
Minimum Annual Premium to Endow; Final Premium : $2,452
Minimum Annual Premium to Carry; Initial Premium : $7,842
Minimum Annual Premium to Carry; Initial Premium Duration : 4
Minimum Annual Premium to Carry; Final Premium : $2,305
Current Target Premium : $13,070
Ten-Pay Premium : 5,549*
Max. Period for Face Amount/DB Guarantee : 20 years
Premium Required for Max Face Amount/DB Guarantee Above : $7,842

MALE Level Death Benefit Year 1 Year 5 Year 10 Year 20 Year 30 Year 40 IRR Year 40
Current Accumulation Value $2,583 $28,659 $77,498 $259,565 $696,040 $1,809,744 7.45%
Current Cash Value $8,379 $67,358 $259,565 $696,040 $1,809,744 7.45%
Current Level Death Benefit $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,900,231 7.63%
Current COI $1,459 $1,543 $1,693 $2,632 $1,940 $1,761 0.00%
Current Expenses $4,195 $683 $683 $683 $683 $683 0.00%

Male Increasing Death Benefit Year 1 Year 5 Year 10 Year 20 Year 30 Year 40 IRR Year 40
Current Increasing Death Benefit $1,003,456 $1,031,919 $1,081,871 $1,263,705 $1,674,750 $2,589,634 8.77%



Full Disclosure is For Producer, Broker/Dealer, & Advisor Use Only.
Not for use with General Public. "Current" Illustrated Values Are Not Guaranteed.
(c)1997-2004 Blease Research, Easton PA - All Rights Reserved.