Assume: Male, 35, SPNS, Prestige Max WL @ $100,000 face amount. Note NAIC illustration must be attached.

"Tom, to help you view this plan in proper perspective, let me draw this diagram with Your Obligation and Our Obligation."

"On the left-hand side of the line, let's put down: Your Obligation — the privilege of allocating $2,474 a year. And we should understand that the word 'obligation' is not used in its usual sense, for actually you merely follow a program for saving and accumulating money.

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