Ham, Dr. Steven

TYour Policy in Actions

Dr. Steven Ham, Male, 69 Preferred Non-Tobacco

Your Policy in Action

$500,000 PruLife ® Universal Protector Initial Annual Premium Outlay $15,654.00

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

Tax Equivalent IRR Death Benefit (1)

Annual Premium Outlay

IRR Death Benefit (1)

Cash Value

Death Benefit

Year

Age

1 2 3 4 5 6 7 8 9

69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96

15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654 15,654

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

3,094%

4,760%

417% 177% 103%

642% 273% 159% 107%

69%

50.80% 38.81% 30.66% 24.81% 20.43% 17.06% 14.39% 12.23% 10.45% 8.98% 7.73% 6.67% 5.76% 4.96% 4.27% 3.66% 3.12% 2.65% 2.22% 1.84% 1.49% 1.18% END‡

78.15% 59.71% 47.17% 38.17% 31.43% 26.25% 22.14% 18.82% 16.08% 13.82% 11.89% 10.26% 8.86% 7.63% 6.57% 5.63% 4.80% 4.08% 3.42% 2.83% 2.29% 1.82% END‡

10

Total

$156,540

11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28

Total

$313,080

0

END‡

END‡

Total

$422,658

THIS PRESENTATION IS NOT VALID WITHOUT A COMPLETE SET OF PAGES. THIS PRESENTATION ID IS 02282019342223 PLI Version 64.00 (MI) February 28, 2019 08:54 PM Page 5 of 13 (1) The IRR does not reflect the effects of income taxes. The Tax Equivalent IRR reflects an assumed annual tax rate of 35.00%. These hypothetical accounts are for demonstrative purposes only and do not represent any investment available on the market. CTP: 17075.00 FWP: 15654.00 ‡ 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.