Age 57 · Male · $1,500,000 Death Benefit Accelerated Pay-Up Model · $84,000/yr
Your Milestones
Yr 1
Protection Starts
$1.5M death benefit + illness riders active from day one.
Yr 2
Loans Begin
$37,138 loan offsets premium. Net cost drops to $50,439.
Yr 11
Crossover
At age 67, loans exceed premium. You stop paying out of pocket.
Yr 12
Fully Paid Up — Age 68
Contract premium drops to $0. The policy sustains itself.
Yr 13
Tax-Free Income Begins
$24,990/yr at 69, growing to $27,599 by 76. Death benefit stays intact.
Three Phases
BUILD — Years 1–12
Overfund the policy. Loans offset premium from Year 2. Net cost drops every year. Paid up at age 68.
CROSSOVER — Year 11
Loans exceed premium. You stop paying out of pocket. The policy pays for itself.
INCOME — Year 13+
Policy loans = tax-free income. $24,990/yr starting at 69, growing annually. Death benefit + illness riders fully intact.
Your Real Cost & Income
YEAR BY YEAR · $1.5M POLICY
YrAgeLoanNet CostCash Val
157—$84,000$32K
258$37,138$50,439$42K
359$63,842$26,158$58K
460$66,682$23,318$74K
561$69,574$20,426$92K
662$74,119$15,881$110K
763$77,377$12,623$130K
864$80,789$9,211$150K
965$82,913$7,087$170K
1066$87,152$2,848$192K
1167$90,610(–$610)$215K
1268$42,156(–$18,558)$225K
▼ INCOME PHASE — TAX-FREE LOANS ▼
1369$24,990$232K
1470$25,418$238K
1571$25,812$244K
1672$26,211$251K
1773$26,590$258K
1874$26,950$264K
1975$27,319$271K
2076$27,599$278K
$84K→$0
Net Cost Drops Every Year
Yr 11
Crossover
$27K+
Tax-Free / yr
What's Included
APPA covers your upfront premium capital during the build phase. No credit check. Your protection starts immediately while the build happens.
Chronic, critical, and terminal illness riders active from day one. If life happens during the build, you're covered.
Each year, 80% of available cash value increase is deployed as a loan, leaving a healthy cash balance. This discipline protects your policy's long-term health.
Named advisor, online workshops, self-paced modules, and access to the APPA publication portfolio. All included in your $199/yr membership.
The discipline is temporary. The income is permanent.
This illustration was prepared specifically for you. The numbers are real. The vehicle is real.