| Year | Annual Deposit
(Saving) | Total Deposit |
| Guaranteed
Annual Income | Total Guaranteed
Annual Income | % | Surrender Value
(Accumulated) |
| 1 | 9900 | 9900 |
| 2000 | 2000 | 20% | 6553 |
| 2 | 9900 | 19800 |
| 2000 | 4000 | 20% | 14647 |
| 3 | 9900 | 29700 |
| 2000 | 6000 | 20% | 23533 |
| 4 | 9900 | 39600 |
| 2000 | 8000 | 20% | 33773 |
| 5 | 9900 | 49500 |
| 2000 | 10000 | 20% | 44742 |
| 6 | 9900 | 59400 |
| 2000 | 12000 | 20% | 56367 |
| 7 |
|
|
| 2000 | 14000 |
| 59727 |
| 8 |
|
|
| 2000 | 16000 |
| 63257 |
| 9 |
|
|
| 2000 | 18000 |
| 66968 |
| 10 |
|
|
| 2000 | 20000 |
| 70869 |
| 11 |
|
|
| 2000 | 22000 |
| 74972 |
| 12 |
|
|
| 2000 | 24000 |
| 79361 |
| 13 |
|
|
| 2000 | 26000 |
| 84146 |
| 14 |
|
|
| 2000 | 28000 |
| 89161 |
| 15 |
|
|
| 2000 | 30000 |
| 94415 |
| 16 |
|
|
| 2000 | 32000 |
| 99917 |
| 17 |
|
|
| 2000 | 34000 |
| 105682 |
| 18 |
|
|
| 2000 | 36000 |
| 111724 |
| 19 |
|
|
| 2000 | 38000 |
| 118057 |
| 20 |
|
|
| 2000 | 40000 |
| 124697 |
| 21 |
|
|
| 2000 | 42000 |
| 131411 |
| 22 |
|
|
| 2000 | 44000 |
| 138478 |
| 23 |
|
|
| 2000 | 46000 |
| 145917 |
| 24 |
|
|
| 2000 | 48000 |
| 153745 |
| 25 |
|
|
| 2000 | 50000 |
| 161991 |
|
|
|
|
| 50000 |
| 161991 |
|
| |
|
|
|
| 273%
|
above is HLA saving plan example:
|
|
|
|
|
|
|
|
Lump Sum
Withdrawal |
Variance |
|
|
|
|
|
|
|
|
2000 |
0% |
|
|
|
|
|
|
|
|
4105 |
3% |
|
|
|
|
|
|
|
|
6321 |
5% |
|
|
|
|
|
|
|
|
8652 |
8% |
|
|
|
|
|
|
|
|
11107 |
11% |
|
|
|
|
|
|
|
|
13690 |
14% |
|
|
|
|
|
|
|
|
16408 |
17% |
|
|
|
|
|
|
|
|
19270 |
20% |
|
|
|
|
|
|
|
|
22281 |
24% |
|
|
|
|
|
|
|
|
25451 |
27% |
|
|
|
|
|
|
|
|
28787 |
31% |
|
|
|
|
|
|
|
|
32299 |
35% |
|
|
|
|
|
|
|
|
35994 |
38% |
|
|
|
|
|
|
|
|
39884 |
42% |
|
|
|
|
|
|
|
|
43978 |
47% |
|
|
|
|
|
|
|
|
48287 |
51% |
|
|
|
|
|
|
|
|
52822 |
55% |
|
|
|
|
|
|
|
|
57595 |
60% |
|
|
|
|
|
|
|
|
62619 |
65% |
|
|
|
|
|
|
|
|
67906 |
70% |
|
|
|
|
|
|
|
|
73472 |
75% |
|
|
|
|
|
|
|
|
79329 |
80% |
|
|
|
|
|
|
|
|
85494 |
86% |
|
|
|
|
|
|
|
|
91982 |
92% |
|
|
|
|
|
|
|
|
98811 |
98% |
|
|
|
|
|
|
|
|
98811 |
98% |
|
|
|
|
|
|
|
|
|
|
