IRR Model

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Welcome to Wintrust Life Finance's IRR Model.

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ASSUMPTIONS

Client	{{display.client}}
Loan Interest Rate	{{display.loanInterestRate}}{{floorFlag3}}
Retained Capital Earning Rate	{{display.retainedCapitalEarningRate}}
Assumed Annual Index Interest Increase	{{display.assuemdAnnualIndexInterestIncrease}}

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Insured Name

Age:

Retained Capital Earning Rate %

Interest Type

Deferral Period (Years)

Base Rate

As Of

Actual Spread %

Contract APR{{floorFlag3}} %

Assumed Annual Index Interest Increase %

Additional Days of Interest

Assumed Max Aggregate Rate Increase %

Year	Down Payment or 1035 Exchange	Policy Cash Surrender Values	Policy Premiums	Policy Death Benefits
{{index}}

		A				B
YEAR	AGE	ANNUAL OUTLAY NON-FINANCED POLICY	NET DEATH BENEFIT NON-FINANCED POLICY	IRR NON-FINANCED POLICY	INTEREST RATE	NET ANNUAL OUTLAY FINANCED POLICY	CASH SURRENDER VALUE FINANCED POLICY	NET DEATH BENEFIT FINANCED POLICY	COLLATERAL REQUIRED	IRR FINANCED POLICY	RETAINED CAPITAL = A - B	RETAINED CAPITAL EARNINGS AT DEATH	RETAINED EARNINGS AT DEATH + DEATH BENEFIT	IRR FINANCED POLICY INCLUDING RETAINED EARNINGS
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RETAINED CAPITAL: Difference between premium required and interest paid, reinvested at your business or investment portfolio average growth rate.