Joshi

Charges and Expenses Report

AiS Proposed Insured, Female, 66 Preferred Non-Tobacco

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 $10,910.00

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 66 2 67 3 68 4 69 5 70 6 71 7 72 8 73 9 74 10 75 11 76 12 77 13 78 14 79 15 80 16 81 17 82 18 83 19 84 20 85 21 86 22 87 23 88 24 89 25 90 26 91 27 92 28 93 29 94 30 95

10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910 10,910

818 818 818 818 818 818 818 818 818 818 818 818 818 818 818 818 818 818 818 818 818 818 818 818 818 818 818 818 818 818

1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964 1,964

3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900 3,900

3,203 3,500 3,833 4,225 4,685 5,236 5,888 6,647 7,523 8,518

0 0 0 0 0 0 0 0

146 256 331 402 491 617 765 902

921

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

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

1,442 1,557 1,210

307

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

0 1,056 0 1,257

Total

$109,100

9,657

0 1,491 0 1,766 0 2,077 0 2,392 0 2,711 0 3,089 0 3,541 0 4,033 0 4,579 0 5,182 0 5,919 0 6,736 0 7,625 0 8,437 0 9,138 0 9,717 0 10,553 0 11,456 0 12,074 0 12,360

10,981 12,545 14,428 16,651 19,024 21,482 24,305 28,197 32,668 37,104 42,195 48,000 54,400 61,319 68,758 76,806 85,214 93,947

Total

$218,200

3,900 103,989

Total

$327,300

THIS PRESENTATION IS NOT VALID WITHOUT A COMPLETE SET OF PAGES. THIS PRESENTATION ID IS 08282019864577 PLI Version 67.00 (MI) August 28, 2019 11:00 AM Page 7 of 15 ‡ 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.