Jassim is a 35 year old non-smoking healthy male. Working with his advisor, Jassim’s life insurance needs will include an EstateMax 20-Pay participating plan with the Enhanced Coverage dividend option maximized for a total coverage amount of $250,000. Jassim will be both the policy owner and the life insured. Jassim could pay $202.10 each month for the next 20 years. Based on this amount, he would pay a total of $48,504 over that time period and his policy would be fully paid-up. Since Jassim can pay one lump sum deposit now using non-registered funds, he instead chooses to purchase an Empire Life 20-year term certain annuity for $36,576.92 with guaranteed income payments of $2,245.59 per year which will match and fund his annual life insurance premium. Explain If he uses this strategy for 20 years what will he gain?