- Home
- Appendix 10/2
Appendix 10/2
Month by Month Breakdown of Premium Payments
versus Fund Value for the Case 1 Endowment
Mortgage Policy
Note! The Case 1 Endowment Mortgage Policy was the one represented to me at my pre-contract meeting with First National, i.e. for a Loan Amount of £35,000 borrowed over 20 years.
The figures set out below are based on the following:
Home-Way (Endowment) Mortgage Plan
Prepared for:Mr J O'Meara, aged 37 next birthday
Mrs A O'Meara, aged 32 next birthday
Amount Borrowed:£35,000.00 over 20 years
|
Date |
Monthly Premium |
Cummulative Value |
|
April 1, 1991 |
£79.70 |
-£42 |
|
May 1, 1991 |
£79.70 |
-£49 |
|
June 1, 1991 |
£79.70 |
-£56 |
|
July 1, 1991 |
£79.70 |
-£64 |
|
August 1, 1991 |
£79.70 |
-£71 |
|
September 1, 1991 |
£79.70 |
-£79 |
|
October 1, 1991 |
£79.70 |
-£86 |
|
November 1, 1991 |
£79.70 |
-£94 |
|
December 1, 1991 |
£79.70 |
-£102 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 1992 |
£79.70 |
-£109 |
|
February 1, 1992 |
£79.70 |
-£117 |
|
March 1, 1992 |
£79.70 |
-£125 |
|
April 1, 1992 |
£79.70 |
-£60 |
|
May 1, 1992 |
£79.70 |
£5 |
|
June 1, 1992 |
£79.70 |
£70 |
|
July 1, 1992 |
£79.70 |
£136 |
|
August 1, 1992 |
£79.70 |
£203 |
|
September 1, 1992 |
£79.70 |
£270 |
|
October 1, 1992 |
£79.70 |
£338 |
|
November 1, 1992 |
£79.70 |
£406 |
|
December 1, 1992 |
£79.70 |
£475 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 1993 |
£79.70 |
£544 |
|
February 1, 1993 |
£79.70 |
£614 |
|
March 1, 1993 |
£79,70 |
£685 |
|
April 1, 1993 |
£79.70 |
£755 |
|
May 1, 1993 |
£79.70 |
£826 |
|
June 1, 1993 |
£79.70 |
£898 |
|
July 1, 1993 |
£79.70 |
£970 |
|
August 1, 1993 |
£79.70 |
£1,043 |
|
September 1, 1993 |
£79.70 |
£1,116 |
|
October 1, 1993 |
£79.70 |
£1,189 |
|
November 1, 1993 |
£79.70 |
£1,264 |
|
December 1, 1993 |
£79.70 |
£1,339 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 1994 |
£79.70 |
£1,415 |
|
February 1, 1994 |
£79.70 |
£1,492 |
|
March 1, 1994 |
£79.70 |
£1,569 |
|
April 1, 1994 |
£79.70 |
£1,647 |
|
May 1, 1994 |
£79.70 |
£1,724 |
|
June 1, 1994 |
£79.70 |
£1,803 |
|
July 1, 1994 |
£79.70 |
£1,881 |
|
August 1, 1994 |
£79.70 |
£1,960 |
|
September 1, 1994 |
£79.70 |
£2,040 |
|
October 1, 1994 |
£79.70 |
£2,120 |
|
November 1, 1994 |
£79.70 |
£2,201 |
|
December 1, 1994 |
£79.70 |
£2,284 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 1995 |
£79.70 |
£2,367 |
|
February 1, 1995 |
£79.70 |
£2,451 |
|
March 1, 1995 |
£79.70 |
£2,536 |
|
April 1, 1995 |
£79.70 |
£2,620 |
|
May 1, 1995 |
£79.70 |
£2,705 |
|
June 1, 1995 |
£79.70 |
£2,790 |
|
July 1, 1995 |
£79.70 |
£2,876 |
|
August 1, 1995 |
£79.70 |
£2,963 |
|
September 1, 1995 |
£79.70 |
£3,050 |
|
October 1, 1995 |
£79.70 |
£3,137 |
|
November 1, 1995 |
£79.70 |
£3,225 |
|
December 1, 1995 |
£79.70 |
£3,315 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 1996 |
£79.70 |
£3,407 |
|
February 1, 1996 |
£79.70 |
£3,498 |
|
March 1, 1996 |
£79.70 |
£3,591 |
|
April 1, 1996 |
£79.70 |
£3,683 |
|
May 1, 1996 |
£79.70 |
£3,775 |
|
June 1, 1996 |
£79.70 |
£3,868 |
|
July 1, 1996 |
£79.70 |
£3,962 |
|
August 1, 1996 |
£79.70 |
£4,056 |
|
September 1, 1996 |
£79.70 |
£4,150 |
|
October 1, 1996 |
£79.70 |
£4,245 |
|
November 1, 1996 |
£79.70 |
£4,343 |
|
December 1, 1996 |
£79.70 |
£4,442 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 1997 |
£79.70 |
£4,541 |
|
February 1, 1997 |
£79.70 |
£4,641 |
|
March 1, 1997 |
£79.70 |
£4,741 |
|
April 1, 1997 |
£79.70 |
£4,841 |
|
May 1, 1997 |
£79.70 |
£4,942 |
|
June 1, 1997 |
£79.70 |
£5,043 |
|
July 1, 1997 |
£79.70 |
£5,144 |
|
August 1, 1997 |
£79.70 |
£5,246 |
|
September 1, 1997 |
£79.70 |
£5,352 |
|
October 1, 1997 |
£79.70 |
£5,458 |
|
November 1, 1997 |
£79.70 |
£5,564 |
|
December 1, 1997 |
£79.70 |
£5,672 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 1998 |
£79.70 |
£5,779 |
|
February 1, 1998 |
£79.70 |
£5,887 |
|
March 1, 1998 |
£79.70 |
£5,996 |
|
April 1, 1998 |
£79.70 |
£6,104 |
|
May 1, 1998 |
£79.70 |
£6,213 |
|
June 1, 1998 |
£79.70 |
£6,325 |
|
July 1, 1998 |
£79.70 |
£6,439 |
|
August 1, 1998 |
£79.70 |
£6,552 |
|
September 1, 1998 |
£79.70 |
£6,666 |
|
October 1, 1998 |
£79.70 |
£6,781 |
| November 1, 1998 |
£79.70 |
£6,896 |
|
December 1, 1998 |
£79.70 |
£7,012 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 1999 |
£79.70 |
£7,128 |
|
February 1, 1999 |
£79.70 |
£7,248 |
|
March 1, 1999 |
£79.70 |
£7,369 |
|
April 1, 1999 |
£79.70 |
£7,490 |
|
May 1, 1999 |
£79.70 |
£7,611 |
|
June 1, 1999 |
£79.70 |
£7,732 |
|
July 1, 1999 |
£79.70 |
£7,854 |
|
August 1, 1999 |
£79.70 |
£7,977 |
|
September 1, 1999 |
£79.70 |
£8,100 |
|
October 1, 1999 |
£79.70 |
£8,227 |
|
November 1, 1999 |
£79.70 |
£8,355 |
|
December 1, 1999 |
£79.70 |
£8,484 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 2000 |
£79.70 |
£8,613 |
|
February 1, 2000 |
£79.70 |
£8,742 |
|
March 1, 2000 |
£79.70 |
£8,872 |
|
April 1, 2000 |
£79.70 |
£9,002 |
|
May 1, 2000 |
£79.70 |
£9,132 |
|
June 1, 2000 |
£79.70 |
£9,266 |
|
July 1, 2000 |
£79.70 |
£9,401 |
|
August 1, 2000 |
£79.70 |
£9,537 |
|
September 1, 2000 |
£79.70 |
£9,673 |
|
October 1, 2000 |
£79.70 |
£9,810 |
|
November 1, 2000 |
£79.70 |
£9,947 |
|
December 1, 2000 |
£79.70 |
£10,085 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 2001 |
£79.70 |
£10,227 |
|
February 1, 2001 |
£79.70 |
£10,370 |
|
March 1, 2001 |
£79.70 |
£10,514 |
|
April 1, 2001 |
£79.70 |
£10,657 |
|
May 1, 2001 |
£79.70 |
£10,800 |
|
June 1, 2001 |
£79.70 |
£10,944 |
|
July 1, 2001 |
£79.70 |
£11,089 |
|
August 1, 2001 |
£79.70 |
£11,238 |
|
September 1, 2001 |
£79.70 |
£11,389 |
|
October 1, 2001 |
£79.70 |
£11,539 |
|
November 1, 2001 |
£79.70 |
£11,690 |
|
December 1, 2001 |
£79.70 |
£11,842 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 2002 |
£79.70 |
£11,994 |
|
February 1, 2002 |
£79.70 |
£12,151 |
|
March 1, 2002 |
£79.70 |
£12,309 |
|
April 1, 2002 |
£79,70 |
£12,466 |
|
May 1, 2002 |
£79.70 |
£12,624 |
|
June 1, 2002 |
£79.70 |
£12,782 |
|
July 1, 2002 |
£79.70 |
£12,941 |
|
August 1, 2002 |
£79.70 |
£13,100 |
|
September 1, 2002 |
£79.70 |
£13,265 |
|
October 1, 2002 |
£79.70 |
£13,430 |
|
November 1, 2002 |
£79.70 |
£13,595 |
|
December 1, 2002 |
£79.70 |
£13,762 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 2003 |
£79.70 |
£13,928 |
|
February 1, 2003 |
£79.70 |
£14,100 |
|
March 1, 2003 |
£79.70 |
£14,273 |
|
April 1, 2003 |
£79.70 |
£14,445 |
|
May 1, 2003 |
£79.70 |
£14,618 |
|
June 1, 2003 |
£79.70 |
£14,791 |
|
July 1, 2003 |
£79.70 |
£14,964 |
|
August 1, 2003 |
£79.70 |
£15,143 |
|
September 1, 2003 |
£79.70 |
£15,323 |
|
October 1, 2003 |
£79.70 |
£15,503 |
|
November 1, 2003 |
£79.70 |
£15,684 |
|
December 1, 2003 |
£79.70 |
£15,865 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 2004 |
£79.70 |
£16,052 |
|
February 1, 2004 |
£79.70 |
£16,240 |
|
March 1, 2004 |
£79.70 |
£16,428 |
|
April 1, 2004 |
£79.70 |
£16,615 |
|
May 1, 2004 |
£79.70 |
£16,803 |
|
June 1, 2004 |
£79.70 |
£16,992 |
|
July 1, 2004 |
£79.70 |
£17,186 |
|
August 1, 2004 |
£79.70 |
£17,381 |
|
September 1, 2004 |
£79.70 |
£17,576 |
|
October 1, 2004 |
£79.70 |
£17,772 |
|
November 1, 2004 |
£79.70 |
£17,974 |
|
December 1, 2004 |
£79.70 |
£18,177 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 2005 |
£79.70 |
£18,380 |
|
February 1, 2005 |
£79.70 |
£18,583 |
|
March 1, 2005 |
£79.70 |
£18,787 |
|
April 1, 2005 |
£79.70 |
£18,996 |
|
May 1, 2005 |
£79.70 |
£19,205 |
|
June 1, 2005 |
£79.70 |
£19,416 |
|
July 1, 2005 |
£79.70 |
£19,626 |
|
August 1, 2005 |
£79.70 |
£19,837 |
|
September 1, 2005 |
£79.70 |
£20,055 |
|
October 1, 2005 |
£79.70 |
£20,272 |
|
November 1, 2005 |
£79.70 |
£20,491 |
|
December 1, 2005 |
£79.70 |
£20,710 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 2006 |
£79.70 |
£20,935 |
|
February 1, 2006 |
£79.70 |
£21,160 |
|
March 1, 2006 |
£79.70 |
£21,387 |
|
April 1, 2006 |
£79.70 |
£21,684 |
|
May 1, 2006 |
£79.70 |
£21,984 |
|
June 1, 2006 |
£79.70 |
£22,292 |
|
July 1, 2006 |
£79.70 |
£22,602 |
|
August 1, 2006 |
£79.70 |
£22,914 |
|
September 1, 2006 |
£79.70 |
£23,229 |
|
October 1, 2006 |
£79.70 |
£23,551 |
|
November 1, 2006 |
£79.70 |
£23,877 |
|
December 1, 2006 |
£79.70 |
£24,204 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 2007 |
£79.70 |
£24,534 |
|
February 1, 2007 |
£79.70 |
£24,872 |
|
March 1, 2007 |
£79.70 |
£25,212 |
|
April 1, 2007 |
£79.70 |
£25,555 |
|
May 1, 2007 |
£79.70 |
£25,899 |
|
June 1, 2007 |
£79.70 |
£26,253 |
|
July 1, 2007 |
£79.70 |
£26,609 |
|
August 1, 2007 |
£79.70 |
£26,967 |
|
September 1, 2007 |
£79.70 |
£27,328 |
|
October 1, 2007 |
£79,70 |
£27,698 |
|
November 1, 2007 |
£79.70 |
£28,071 |
|
December 1, 2007 |
£79.70 |
£28,447 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 2008 |
£79.70 |
£28,831 |
|
February 1, 2008 |
£79.70 |
£29,218 |
|
March 1, 2008 |
£79.70 |
£29,608 |
|
April 1, 2008 |
£79.70 |
£30,001 |
|
May 1, 2008 |
£79.70 |
£30,403 |
|
June 1, 2008 |
£79.70 |
£30,807 |
|
July 1, 2008 |
£79.70 |
£31,216 |
|
August 1, 2008 |
£79.70 |
£31,634 |
|
September 1, 2008 |
£79.70 |
£32,055 |
|
October 1, 2008 |
£79.70 |
£32,480 |
|
November 1, 2008 |
£79.70 |
£32,907 |
|
December 1, 2008 |
£79.70 |
£33,345 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 2009 |
£79.70 |
£33,785 |
|
February 1, 2009 |
£79.70 |
£34,229 |
|
March 1, 2009 |
£79.70 |
£34,683 |
|
April 1, 2009 |
£79.70 |
£35,139 |
|
May 1, 2009 |
£79.70 |
£35,599 |
|
June 1, 2009 |
£79.70 |
£36,069 |
|
July 1, 2009 |
£79.70 |
£36,542 |
|
August 1, 2009 |
£79.70 |
£37,017 |
|
September 1, 2009 |
£79.70 |
£37,503 |
|
October 1, 2009 |
£79.70 |
£37,992 |
|
November 1, 2009 |
£79.70 |
£38,484 |
|
December 1, 2009 |
£79.70 |
£38,986 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 2010 |
£79.70 |
£39,491 |
|
February 1, 2010 |
£79.70 |
£40,000 |
|
March 1, 2010 |
£79.70 |
£40,519 |
|
April 1, 2010 |
£79.70 |
£41,042 |
|
May 1, 2010 |
£79.70 |
£41,567 |
|
June 1, 2010 |
£79.70 |
£42,103 |
|
July 1, 2010 |
£79.70 |
£42,643 |
|
August 1, 2010 |
£79.70 |
£43,186 |
|
September 1, 2010 |
£79.70 |
£43,740 |
|
October 1, 2010 |
£79.70 |
£44,298 |
|
November 1, 2010 |
£79.70 |
£44,859 |
|
December 1, 2010 |
£79.70 |
£45,431 |
|
Date |
Monthly Premium |
Cummulative Value |
|
January 1, 2011 |
£79.70 |
£46,006 |
|
February 1, 2011 |
£79.70 |
£46,586 |
|
March 1, 2011 |
£79.70 |
£47,176 |
|
April 1, 2011 |
£79.70 |
£47,770 |
|
|
Based on Sum Assured |
£35,000 |
|
|
Surplus |
£12,770 |