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Is this it? I got this from someone on here! Loan Maximum Calculator (1).xls

Mike was very kind to you in his response; more importantly, he gave you hundreds of dollars worth of consulting advice for no charge. I'm not sure what your ERISA education is, but my guess is you have none and are a participant trying to figure out the arcane rules in the playground we exist in daily; that is a big mistake. ERISA doesn't care what "seems to you"; sorry. Frankly, what Mike should have said to you is: Contact your plan administrator and ask him/her that question and get the response in writing. There might very well be plan level limitations that would further modify what you can do or not do. Best of luck.

Not to me. What will be relevant are: (1) Your vested balance on 3/15/2019 (you gave your current vested balance, which will not be used in the 3/15/2019 calculation). (2) The highest outstanding balance in the last 12 months before 3/15/2019 of Loan 1 (you gave the current loan balance, which is not used in the calculation). (3) The highest outstanding balance in the last 12 months before 3/15/2019 of Loan 2 (you gave the current loan balance, which is not used in the calculation). In lieu of (2) and (3) it is possible that you will need: (4) The highest outstanding balance in the last 12 months before 3/15/2019 calculated by looking at both of your loans on each day. Most plans use (4). Some plans use (2) and (3). Recently, the IRS has "clarified" that plans may determine the "maximum loan amounts outstanding in the 12-month period ending on the date a new loan is requested" (listen to the podcast linked in the FAQ, below) more broadly than how the FAQ seems to. If they do that, (that is, use (4) instead of (2) and (3)) then it is possible that the "maximum loan amounts outstanding in the 12-month period ending on the date a new loan is requested" will be higher and the loan amount you can take in a new loan would be even less. I'm reluctant to even estimate the maximum loan you should be entitled to because the amount declines, dollar for dollar to the extent (2) is greater than $10,508 and dollar for dollar to the extent (3) is greater than $15,180 [or, if (4) is in play rather than (2) and (3), dollar for dollar to the extent (4) is greater than $25,688]. But assuming (2) is not greater than $10,508 (a very bad assumption) and that (3) is not greater than $15,180 (another very bad assumption) [or that (4) is not greater than $25,688 (another bad assumption)] and that (1) is no less than $73,870 (yet another very bad assumption) the maximum loan available on 3/15/2019 would be $24,312 using the methodology of http://www.irs.gov/Retirement-Plans/Retirement-Plans-FAQs-regarding-Loans#7. I believe I've posted a spreadsheet that does the calculations. I've lost track of where it is. Maybe somebody else knows. Good luck.

Sorry, but there is no question here: they must be reported. I remember when that exclusion was written; it was for GUARANTEES (that is: annuities), not life insurance. PERIOD. A life insurance contract DOES NOT guarantee to pay a specific BENEFIT (RETIREMENT BENEFIT) at a future date. Besides, from a logical standpoint there is a reason why they specifically excluded REAL ANNUITIES and that logic does not apply to a life insurance contract.

"Could" = "Wishy-washy"