Untitled Document

412i Case Study
From Purchase to Retirement

	Facts:
		Two employee business (stable and profitable)
		Age 52 owner; retiring at age 62 / $150,000 per year
		Age 34 employee; retiring at age 62 / $32,000 per year
		Top heavy graded vesting
		Life Insurance to 100 times rule (100 x Monthly Benefit)
		Additional amounts funded with a guaranteed annuity
		***Life policy dividends and excess annuity earnings applied to reduce annual premiums