Ham Steven LTC 0500 090 SNS 2019 03 08

Charges and Expenses Report

Dr. Steven Ham, Male, 69 Non-Smoker

This report shows the maximum deductions made from premium payments and the Contract Fund based on the assumptions used in this presentation.

$500,000 PruLife ® Universal Protector Initial Annual Premium Outlay $18,935.00

Charges and Expenses

Guaranteed Results Based on Minimum Interest Rate of 1.00% & Maximum Charges

Deductions from Premiums

Deductions from the Contract Fund

Policy Values

Annual Premium Outlay

Premium Based Admin Charge

Admin. & Transaction Charges

Cost of Insurance

Charge for Extras

Cost of Additional Riders

Sales Charge

Contract Fund

Cash Value

Death Benefit

Year Age

1 69 2 70 3 71 4 72 5 73 6 74 7 75 8 76 9 77 10 78 11 79 12 80 13 81 14 82 15 83 16 84 17 85 18 86 19 87 20 88 21 89 22 90 23 91

18,935 18,935 18,935 18,935 18,935 18,935 18,935 18,935 18,935 18,935 18,935 18,935 18,935 18,935 18,935 18,935 18,935 18,935 18,935 18,935

1,420 1,420 1,420 1,420 1,420 1,420 1,420 1,420 1,420 1,420 1,420 1,420 1,420 1,420 1,420 1,420 1,420 1,420 1,420 1,420

3,408 3,408 3,408 3,408 3,408 3,408 3,408 3,408 3,408 3,408 3,408 3,408 3,408 3,408 3,408 3,408 3,408 3,408 3,408 3,408

5,760 5,760 5,760 5,760 5,760 5,760 5,760 5,760 5,760 5,760 5,760 5,760 5,760 5,760 5,760 5,760 5,760 5,760 5,760 5,760

6,158 6,859 7,702 8,714 9,906

0 0 0 0

300 512 687 869

1,964 3,029 3,081 1,934

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000 500,000

0 1,086 0 1,340 0 1,617 0 1,898 0 2,206 0 2,597 0 2,936 0 3,327 0 3,870 0 4,388 0 4,874 0 5,277 0 5,738 0 6,373 0 6,975 0 7,522

0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

11,282 12,810 14,474 16,266 18,270 20,568 23,236 26,283 29,770 33,812 38,508 43,949 50,218 57,362 65,271

Total

$189,350

Total

$378,700

18,935 18,935

1,420 1,420

3,408 3,408

5,760 5,760

73,774 82,676

0 7,918 0 8,281

0 0

500,000 500,000

0

0

0

480

7,642

0

735

END‡

END‡

Total

$416,570

THIS PRESENTATION IS NOT VALID WITHOUT A COMPLETE SET OF PAGES. THIS PRESENTATION ID IS 03072019621897 PLI Version 64.00 (MI) March 07, 2019 09:10 PM Page 6 of 13 ‡ The policy ends and coverage ceases because the Cash Value is not greater than zero and the No-Lapse Guarantee is not in effect. You will have taxable income under the policy if the policy ends with an outstanding loan in excess of cost basis. Please refer to the Additional Information section for more information.