Ham Steven LTC 0500 090 SNS 2019 03 08

Steven Ham MD Durable Chronic Illness Funding $500,000 Pool of Money

Prudential Life Insurance Living & Death Benefits

Living Benefits Begin @

After

Age 80

Age 82

Age 84

Age 90

Maximum

Net IRR >

11.48% 8.11%

5.77%

0.00%

HIPAA

Policy

Att per diem Distrib Year Age Monthly Monthly

Cash Flow Reflects ALL Living & Death Benefits

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

11,100 11,433 11,776 12,129 12,493 12,868 13,254 13,652 14,061 14,483 14,917 15,365 15,826 16,301 16,790 17,293 17,812 18,347 18,897 19,464 20,048 20,649 21,269

10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000 10,000

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 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 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

‐120,000 ‐120,000

‐120,000 ‐120,000 ‐120,000 ‐120,000

‐20,000 ‐120,000 ‐120,000 0 ‐120,000 ‐120,000 0 ‐20,000 ‐120,000

0 0 0 0 0

0 ‐120,000 0 ‐20,000

18,935    < Normal Life Expectancy

0 0 0

0 0 0

0

Average Annual Premium

18,935

18,935

18,935

18,935

Annual Premiums reflect Male Standard Risk @ Age 69.  Risk Class subject to Underwriting. Includes Chronic Illness Rider Premium (approx 13% of Total Annual Premium). $10,000 Maximum Monthly Living Benefit (@ 2% of Initial Death Benefit or HIPAA if less). 3.00% HIPAA per Diem ($370 in 2019) reflects Projected Inflation. Normal Life Expectancy reflects Average of 2001 CSO and 2008 VBT Actuarial Tables. $20,048 Annual Premium reflects Standard Risk Class @ Age 70. $25,463 Annual Premium reflects Standard Table A Risk Class @ Age 70. Cost of Waiting to Purchase often increases by changes to Age, Health and Product Availability.

Illustration B