Joshi

Prudential Life Insurance Living & Death Benefits

Sample Female Age 66 Durable Chronic Illness Funding $500,000 Pool of Money

Living Benefits Begin @

After

Age 80

Age 82

Age 95

Age 78

Maximum

Net IRR >

16.31% 12.64%

10.01%

0.00%

HIPAA

Policy

Att per diem Distrib Year Age Monthly Monthly

Cash Flow Reflects ALL Living & Death Benefits

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 31 96

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 21,907 22,564 23,241 23,938 24,656 25,396 26,158 26,943

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

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

10,910 10,910

‐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 0 0 0 0 0 0

0 ‐120,000 0 ‐20,000

0 0 0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0 0 0

10,910    < Normal Life Expectancy

0

Average Annual Premium

10,910

10,910

10,910

10,910

Annual Premiums reflect Female Preferred Risk @ Age 66.  Risk Class subject to Underwriting. Includes Chronic Illness Rider Premium (approx 32% 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. $11,769 Annual Premium reflects Preferred Risk Class @ Age 67. $13,888 Annual Premium reflects Standard Plus Risk Class @ Age 67. Cost of Waiting to Purchase often increases by changes to Age, Health and Product Availability.