|Years until retirement||YEARS_UNTIL_RETIREMENT|
|Current annual income||CURRENT_ANNUAL_INCOME|
|Return on investments||RETURN_ON_INVESTMENTS|
|Expected annual inflation rate||EXPECTED_ANNUAL_INFLATION_RATE|
|Expected income growth||EXPECTED_INCOME_GROWTH|
|Human Life Value adjusted for income growth||HUMAN_LIFE_VALUE1|
|Human Life Value adjusted for income growth and inflation||HUMAN_LIFE_VALUE2|
It is important to remember that these scenarios are hypothetical and that future rates of return can't be predicted with certainty and that investments that pay higher rates of return are generally subject to higher risk and volatility. The actual rate of return on investments can vary widely over time, especially for long-term investments. This includes the potential loss of principal on your investment. It is not possible to invest directly in an index and the compounded rate of return noted above does not reflect sales charges and other fees that Separate Account investment funds and/or investment companies may charge.
Insurance products may additionally include mortality, expense risk charges, cost of insurance, administrative, and surrender charges that will have a significant impact on the total rate of return for the investment.
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