


	    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. Adjustable Premium       *
	  *		             1234 Five Year Av.           *
	  *		             SnoopyTown, AllState 99999   *
	  *		       Tel : (168) 168-8888               *
	  *                                                       *
	  *     Existing Insurance : Principal Financial PF-21345 *
	  *       Comparing Policy : WWWYLI Policy                *
	  *                                                       *
	  * * * * * * * * * * * * * * * * * * * * * * * * * * * * *



		   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
=== ====  =================================  =================================
 35   -1   200000.00    720.00       806.40        0.00      0.00         0.00
 36    0   200000.00    720.00      1709.57   200000.00    480.00       537.60
 37    1   200000.00    720.00      2721.12   200000.00    502.00      1164.35
 38    2   200000.00    720.00      3854.05   200000.00    532.00      1899.91
 39    3   200000.00    720.00      5122.94   200000.00    570.00      2766.30

 40    4   200000.00   1048.00      6911.45   200000.00    616.00      3788.18
 41    5   200000.00   1048.00      8914.58   200000.00    668.00      4990.92
 42    6   200000.00   1048.00     11158.09   200000.00    726.00      6402.95
 43    7   200000.00   1048.00     13670.82   200000.00    790.00      8056.11
 44    8   200000.00   1048.00     16485.08   200000.00    860.00      9986.04

 45    9   200000.00   1578.00     20230.65   200000.00    938.00     12234.92
 46   10   200000.00   1578.00     24425.69   200000.00   1028.00     14854.48
 47   11   200000.00   1578.00     29124.13   200000.00   1126.00     17898.13
 48   12   200000.00   1578.00     34386.39   200000.00   1232.00     21425.75
 49   13   200000.00   1578.00     40280.12   200000.00   1346.00     25504.36

 50   14   200000.00   2436.00     47842.05   200000.00   1472.00     30213.52
 51   15   200000.00   2436.00     56311.42   200000.00   1610.00     35642.34
 52   16   200000.00   2436.00     65797.10   200000.00   1758.00     41888.39
 53   17   200000.00   2436.00     76421.08   200000.00   1920.00     49065.39
 54   18   200000.00   2436.00     88319.93   200000.00   2096.00     57300.76

 55   19   200000.00   3726.00    103091.44   200000.00   2280.00     66730.45
 56   20   200000.00   3726.00    119635.53   200000.00   2478.00     77513.46
 57   21   200000.00   3726.00    138164.91   200000.00   2700.00     89839.08
 58   22   200000.00   3726.00    158917.82   200000.00   2948.00    103921.53
 59   23   200000.00   3726.00    182161.08   200000.00   3224.00    120002.99

 60   24   200000.00   5738.00    210446.97   200000.00   3530.00    138356.95
 61   25   200000.00   5738.00    242127.17   200000.00   3866.00    159289.71
 62   26   200000.00   5738.00    277608.99   200000.00   4236.00    183148.79
 63   27   200000.00   5738.00    317348.63   200000.00   4646.00    210330.17
 64   28   200000.00   5738.00    361857.02   200000.00   5100.00    241281.79

 65   29   200000.00   8934.00    415285.95   200000.00   5604.00    276512.08
 66   30   200000.00   8934.00    475126.34   200000.00   6342.00    316796.57
 67   31   200000.00   8934.00    542147.58   200000.00   7082.00    362744.00
 68   32   200000.00   8934.00    617211.37   200000.00   7820.00    415031.68
 69   33   200000.00   8934.00    701282.82   200000.00   8560.00    474422.68

 70   34   200000.00  13504.00    800561.23   200000.00   9300.00    541769.40
 71   35   200000.00  13504.00    911753.06   200000.00  10578.00    618629.09
 72   36   200000.00  13504.00   1036287.91   200000.00  11856.00    706143.30
 73   37   200000.00  13504.00   1175766.94   200000.00  13134.00    805590.58
 74   38   200000.00  13504.00   1331983.45   200000.00  14412.00    918402.89

 75   39   200000.00  21780.00   1516215.07   200000.00  15690.00   1046184.03
 76   40   200000.00  21780.00   1722554.47   200000.00  17052.00   1190824.36
 77   41   200000.00  21780.00   1953654.61   200000.00  18868.00   1354855.44
 78   42   200000.00  21780.00   2212486.76   200000.00  20776.00   1540707.21
 79   43   200000.00  21780.00   2502378.78   200000.00  22756.00   1751078.80
==============================================================================

		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   44        0.00      0.00   2802664.23   200000.00  24858.00   1989049.21
 81   45        0.00      0.00   3138983.94   200000.00  27164.00   2258158.80
 82   46        0.00      0.00   3515662.01   200000.00  29730.00   2562435.46
 83   47        0.00      0.00   3937541.45   200000.00  32630.00   2906473.31
 84   48        0.00      0.00   4410046.42   200000.00  35900.00   3295458.10

 85   49        0.00      0.00   4939251.99   200000.00  39472.00   3735121.72
 86   50        0.00      0.00   5531962.23   200000.00  43268.00   4231796.48
 87   51        0.00      0.00   6195797.70   200000.00  47212.00   4792489.50
 88   52        0.00      0.00   6939293.43   200000.00  51270.00   5425010.64
 89   53        0.00      0.00   7772008.64   200000.00  55358.00   6138012.88

 90   54        0.00      0.00   8704649.67   200000.00  59534.00   6941252.51
 91   55        0.00      0.00   9749207.63   200000.00  63856.00   7845721.53
 92   56        0.00      0.00  10919112.55   200000.00  68394.00   8863809.39
 93   57        0.00      0.00  12229406.06   200000.00  73298.00  10009560.28
 94   58        0.00      0.00  13696934.78   200000.00  78772.00  11298932.15

 95   59        0.00      0.00  15340566.96   200000.00  85738.00  12750830.57
 96   60        0.00      0.00  17181434.99   200000.00  95688.00  14388100.80
 97   61        0.00      0.00  19243207.19   200000.00 111519.99  16239575.29
 98   62        0.00      0.00  21552392.05   200000.00 139258.00  18344293.28
 99   63        0.00      0.00  24138679.10   200000.00 190814.00  20759320.15
==============================================================================

		          Summary  of  Technical  Indexes

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

    Technical         Existing                                      Comparing
      Index            Policy                                         Policy

=================   ============                                   ===========
Break-Even   Year
    (BEY)                  25         The longer, the cheaper -->        27
-----------------   ------------                                   -----------
Break-Even    Age
    (BEA)                  60         The longer, the cheaper -->        63
=================   ============                                   ===========
Co. Profit  at 74     1131983.45       DIFFERENCE :     413580.56    718402.89
    (P74)                   5.66       The lower, the cheaper -->         3.59
-----------------   ------------                                   -----------
Co. Profit  at 76     1522554.47       DIFFERENCE :     531730.12    990824.36
    (P76)                   7.61       The lower, the cheaper -->         4.95
=================   ============                                   ===========
 Instant  Saving 
   Every  Year              0.00                                        240.00
=================   ============                                   ===========
 Available  Cash 
   First  Year              0.00                                        240.00
=================   ============                                   ===========
Retirement Fund &       30000.00       DIFFERENCE :       2579.37     32579.37
(R65) @ 3% Return           0.15       The higher, the better -->         0.16
-----------------   ------------                                   -----------
Retirement Fund &       30000.00       DIFFERENCE :      17261.48     47261.48
(R65) @ 6% Return           0.15       The higher, the better -->         0.24
-----------------   ------------                                   -----------
Retirement Fund &       30000.00       DIFFERENCE :      41962.57     71962.57
(R65) @ 9% Return           0.15       The higher, the better -->         0.36
-----------------   ------------                                   -----------
Retirement Fund &       30000.00       DIFFERENCE :      84614.18    114614.18
(R65) @12% Return           0.15       The higher, the better -->         0.57
-----------------   ------------                                   -----------
Retirement Fund &       30000.00       DIFFERENCE :     159682.98    189682.98
(R65) @15% Return           0.15       The higher, the better -->         0.95
-----------------   ------------                                   -----------
Retirement Fund &       30000.00       DIFFERENCE :     293517.13    323517.13
(R65) @18% Return           0.15       The higher, the better -->         1.62
-----------------   ------------                                   -----------
Retirement Fund &       30000.00       DIFFERENCE :     533934.60    563934.60
(R65) @21% Return           0.15       The higher, the better -->         2.82
==============================================================================


		   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 [25] years or until age [60].   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 [27] years or until age [63].   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 [1.58] times more expensive than Comparing Policy
       for Male Insured.    Check Insurance Company's real profit margin:

                   Existing Policy :  $ 1131983.45  or  565.99 %
                  Comparing Policy :  $  718402.89  or  359.20 %
               ----------------------------------------------------
                    The Difference :  $  413580.56  or  206.79 %

  **   Existing Policy is [1.54] times more expensive than Comparing Policy
       for Female Insured.    Check Insurance Company's real profit margin:

                   Existing Policy :  $ 1522554.47  or  761.28 %
                  Comparing Policy :  $  990824.36  or  495.41 %
               ----------------------------------------------------
                    The Difference :  $  531730.12  or  265.87 %

  **   In Existing Policy, Retirement Fund at Insured's 65 corresponds to
       a rate of return of [2.5%].   How is [2.5%] 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 [$240.00].
       We also recover a smaller portion of our `stolen' money, [$0.00].
       Our instant achievement: Become [$240.00] 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."

