


	    R = = = = = = = = = = = = = = = = = = = = = = = = = R
	    E                                                   E
	    L             A  CANDID  PRESENTATION               L
	    E                                                   E
	    A                       by                          A
	    S                                                   S
	    E     `Ali' = Your tell-it-like-it-is Consultant    E
	    *                                                   *
	    T                   Release 2.03                    T
	    W                                                   W
	    O = = = = = = = = = = = = = = = = = = = = = = = = = O


	      Copyright (C) 1991 Wintech Enterprise
	      All Rights Reserved.





		This Final Report consists of three sections:

	      == 1 ==  Side-by-Side and Year-by-Year Comparison

	      == 2 ==  Summary of Technical Indexes

	      == 3 ==  Value Statements and Estate Goals

	      ** Review Introduction to `Ali' in "INTROTO.ALI" **



	  * * * * * * * * * * * * * * * * * * * * * * * * * * * * *
	  *                                                       *
	  *	      Prepared for : Mr. Marty S. McFly           *
	  *		             1234 Future Street           *
	  *		             MetroTown, FarmState 99999   *
	  *		       Tel : (168) 168-8888               *
	  *                                                       *
	  *     Existing Insurance : NYLICO WL 10 24 4512         *
	  *       Comparing Policy : ML-T20 Preferred Non-Smoker  *
	  *                                                       *
	  * * * * * * * * * * * * * * * * * * * * * * * * * * * * *



		   Registration User : Ali, The Financial Genius

		   Registration  No. : 203-US-0001


		        Today's Date : 07-04-1991          

		Side-by-Side and Year-by-Year Comparison


==============================================================================
                   Existing Policy                   Comparing Policy
          ---------------------------------  ---------------------------------
Age Year      Policy    Annual       Future      Policy    Annual       Future
          Protection   Premium        Value  Protection   Premium        Value
=== ====  =================================  =================================
 38   -4   100000.00   1413.60      1583.23        0.00      0.00         0.00
 39   -3   100000.00   1413.60      3356.45        0.00      0.00         0.00

 40   -2   100000.00   1413.60      5342.46        0.00      0.00         0.00
 41   -1   100000.00   1413.60      7566.78        0.00      0.00         0.00
 42    0   100000.00   1413.60     10058.03   100000.00    379.00       424.48
 43    1   100000.00   1413.60     12848.23   100000.00    379.00       899.90
 44    2   100000.00   1413.60     15973.25   100000.00    379.00      1432.37

 45    3   100000.00   1413.60     19473.27   100000.00    379.00      2028.73
 46    4   100000.00   1413.60     23393.29   100000.00    379.00      2696.66
 47    5   100000.00   1413.60     27783.72   100000.00    379.00      3444.74
 48    6   100000.00   1413.60     32701.00   100000.00    379.00      4282.58
 49    7   100000.00   1413.60     38208.35   100000.00    379.00      5220.97

 50    8   100000.00   1413.60     44376.58   100000.00    379.00      6271.97
 51    9   100000.00   1413.60     51285.00   100000.00    379.00      7449.09
 52   10   100000.00   1413.60     59022.44   100000.00    379.00      8767.46
 53   11   100000.00   1413.60     67688.36   100000.00    379.00     10244.03
 54   12   100000.00   1413.60     77394.20   100000.00    379.00     11897.80

 55   13   100000.00   1413.60     88264.73   100000.00    379.00     13750.01
 56   14   100000.00   1413.60    100439.73   100000.00    379.00     15824.49
 57   15   100000.00   1413.60    114075.73   100000.00    379.00     18147.91
 58   16   100000.00   1413.60    129348.05   100000.00    379.00     20750.14
 59   17   100000.00   1413.60    146453.05   100000.00    379.00     23664.64

 60   18   100000.00   1413.60    165610.65   100000.00    379.00     26928.88
 61   19   100000.00   1413.60    187067.16   100000.00    379.00     30584.82
 62   20   100000.00   1413.60    211098.45   100000.00   1560.00     36002.20
 63   21   100000.00   1413.60    238013.49   100000.00   1560.00     42069.66
 64   22   100000.00   1413.60    268158.34   100000.00   1560.00     48865.22

 65   23   100000.00   1413.60    301920.58   100000.00   1560.00     56476.25
 66   24   100000.00   1413.60    339734.28   100000.00   1560.00     65000.60
 67   25   100000.00   1413.60    382085.62   100000.00   1560.00     74547.87
 68   26   100000.00   1413.60    429519.13   100000.00   1560.00     85240.82
 69   27   100000.00   1413.60    482644.66   100000.00   1560.00     97216.91

 70   28   100000.00   1413.60    542145.25   100000.00   2767.00    111981.98
 71   29   100000.00   1413.60    608785.91   100000.00   2993.00    128771.98
 72   30   100000.00   1413.60    683423.45   100000.00   3104.00    147701.10
 73   31   100000.00   1413.60    767017.49   100000.00   3275.00    169093.23
 74   32   100000.00   1413.60    860642.83   100000.00   3574.00    193387.30

 75   33   100000.00   1413.60    965503.20   100000.00   3904.00    220966.26
 76   34   100000.00   1413.60   1082946.81   100000.00   4266.00    252260.13
 77   35   100000.00   1413.60   1214483.66   100000.00   4657.00    287747.18
 78   36   100000.00   1413.60   1361804.93   100000.00   5078.00    327964.20
 79   37   100000.00   1413.60   1526804.76   100000.00   5529.00    373512.39
==============================================================================

		Side-by-Side and Year-by-Year Comparison
				(cont'd)


==============================================================================
                   Existing Policy                   Comparing Policy
          ---------------------------------  ---------------------------------
Age Year      Policy    Annual       Future      Policy    Annual       Future
          Protection   Premium        Value  Protection   Premium        Value
=== ====  =================================  =================================
 80   38   100000.00   1413.60   1711604.56   100000.00   6011.00    425066.19
 81   39   100000.00   1413.60   1918580.34   100000.00   6509.00    483364.22
 82   40   100000.00   1413.60   2150393.21   100000.00   7044.00    549257.20
 83   41   100000.00   1413.60   2410023.63   100000.00   7869.00    623981.35
 84   42   100000.00   1413.60   2700809.70   100000.00   8908.00    708836.07

 85   43   100000.00   1413.60   3026490.09   100000.00   9609.00    804658.48
 86   44   100000.00   1413.60   3391252.14   100000.00  10235.00    912680.69
 87   45   100000.00   1413.60   3799785.63   100000.00  11295.00   1034852.78
 88   46   100000.00   1413.60   4257343.13   100000.00  12684.00   1173241.19
 89   47   100000.00   1413.60   4769807.54   100000.00  13700.00   1329374.13

 90   48   100000.00   1413.60   5343767.68   100000.00  14767.00   1505438.07
 91   49   100000.00   1413.60   5986603.03   100000.00  15550.00   1703506.64
 92   50   100000.00   1413.60   6706578.63   100000.00  16382.00   1926275.28
 93   51   100000.00   1413.60   7512951.29   100000.00  17451.00   2176973.43
 94   52   100000.00   1413.60   8416088.68   100000.00  18826.00   2459295.36

 95   53   100000.00   1413.60   9427602.56   100000.00  20830.00   2777740.40
 96   54   100000.00   1413.60  10560498.09   100000.00  24268.00   3138249.41
 97   55   100000.00   1413.60  11829341.10   100000.00  29467.00   3547842.38
 98   56   100000.00   1413.60  13250445.26   100000.00  36999.00   4015022.35
 99   57   100000.00   1413.60  14842081.92   100000.00  48183.00   4550789.99
==============================================================================

		          Summary  of  Technical  Indexes

==============================================================================

    Technical         Existing                                      Comparing
      Index            Policy                                         Policy

=================   ============                                   ===========
Break-Even   Year
    (BEY)                  18         The longer, the cheaper -->        28
-----------------   ------------                                   -----------
Break-Even    Age
    (BEA)                  56         The longer, the cheaper -->        70
=================   ============                                   ===========
Co. Profit  at 74      760642.83       DIFFERENCE :     667255.53     93387.30
    (P74)                   7.61       The lower, the cheaper -->         0.93
-----------------   ------------                                   -----------
Co. Profit  at 76      982946.81       DIFFERENCE :     830686.69    152260.13
    (P76)                   9.83       The lower, the cheaper -->         1.52
=================   ============                                   ===========
 Instant  Saving 
   Every  Year              0.00                                       1034.60
=================   ============                                   ===========
 Available  Cash 
   First  Year           1500.00                                       2534.60
=================   ============                                   ===========
Retirement Fund &       41000.00       DIFFERENCE :       6353.74     34646.26
(R65) @ 3% Return           0.41       <-- The higher, the better         0.35
-----------------   ------------                                   -----------
Retirement Fund &       41000.00       DIFFERENCE :      15325.22     56325.22
(R65) @ 6% Return           0.41       The higher, the better -->         0.56
-----------------   ------------                                   -----------
Retirement Fund &       41000.00       DIFFERENCE :      51576.63     92576.63
(R65) @ 9% Return           0.41       The higher, the better -->         0.93
-----------------   ------------                                   -----------
Retirement Fund &       41000.00       DIFFERENCE :     112358.85    153358.85
(R65) @12% Return           0.41       The higher, the better -->         1.53
-----------------   ------------                                   -----------
Retirement Fund &       41000.00       DIFFERENCE :     214277.06    255277.06
(R65) @15% Return           0.41       The higher, the better -->         2.55
-----------------   ------------                                   -----------
Retirement Fund &       41000.00       DIFFERENCE :     384818.35    425818.35
(R65) @18% Return           0.41       The higher, the better -->         4.26
-----------------   ------------                                   -----------
Retirement Fund &       41000.00       DIFFERENCE :     669128.27    710128.27
(R65) @21% Return           0.41       The higher, the better -->         7.10
==============================================================================


		   Value Statements and Estate Goals
		   =================================


  **   To sum up, expensive policy is characterized by three LOW's - (BEY)
       (BEA) and (R65), plus two HIGH's - (P74) and (P76).

  **   Existing Policy helps the family, i.e. pays more than total premiums
       during first [18] years or until age [56].   After that, Insurance
       Company's risk is over.   This insurance risk could be too short and
       too low to justify huge potential profit to Insurance Company.

  **   Comparing Policy helps the family, i.e. pays more than total premiums
       during first [28] years or until age [70].   After that, Insurance
       Company's risk is over.   The insurance risk could be long and high
       enough to justify moderate potential profit to Insurance Company.

  **   Existing Policy is [8.15] times more expensive than Comparing Policy
       for Male Insured.    Check Insurance Company's real profit margin:

                   Existing Policy :  $  760642.83  or  760.64 %
                  Comparing Policy :  $   93387.30  or   93.39 %
               ----------------------------------------------------
                    The Difference :  $  667255.53  or  667.26 %

  **   Existing Policy is [6.46] times more expensive than Comparing Policy
       for Female Insured.    Check Insurance Company's real profit margin:

                   Existing Policy :  $  982946.81  or  982.95 %
                  Comparing Policy :  $  152260.13  or  152.26 %
               ----------------------------------------------------
                    The Difference :  $  830686.69  or  830.69 %

  **   In Existing Policy, Retirement Fund at Insured's 65 corresponds to
       a rate of return of [4.5%].   How is [4.5%] compared to inflation,
       average [6.0%]?    In many policies, returns in earlier years are
       actually NEGATIVE.   Read eye-opening analogy in "FUNNY.BNK".

  **   Replacing Existing Policy with Comparing Policy, we save [$1034.60].
       We also recover a smaller portion of our `stolen' money, [$1500.00].
       Our instant achievement: Become [$2534.60] richer without sacrificing
       our protection coverage!   Even if we choose to invest what we save
       conservatively, we will have more $$ freedom after retirement!

  **   `Ali' says: "No difference from real estate refinancing, wasteful
       cash value policies should be replaced by inexpensive term policies."
       Review comments from experts in "QUOTE.CVL".

  --------------------------------------------------------------------------

  NOTE 1 :  The Future Value of Paid Premium `belongs to' Insurance Company.
            Only Cash Value can be available under restricted conditions.

  NOTE 2 :  Assumed average annual return of 12.0% for Insurance Company.
            Read "INTROTO.ALI" to appreciate its justification.

  NOTE 3 :  Best Strategy is simple: "Buy Pure Term and Invest The Difference."

