Ham, Dr. Steven

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 95

Maximum

Net IRR >

13.97% 10.26%

7.67%

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 24 92 25 93 26 94 27 95 28 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

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

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

15,654 15,654

‐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 ‐120,000 0 ‐20,000

0 0 0 0 0 0 0 0

0 0 0 0 0 0 0 0

15,654    < Normal Life Expectancy

0

Average Annual Premium

15,654

15,654

15,654

15,654

Annual Premiums reflect Male Preferred Risk @ Age 69.  Risk Class subject to Underwriting. Includes Chronic Illness Rider Premium (approx 17% 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. $16,632 Annual Premium reflects Preferred Risk Class @ Age 70. $20,139 Annual Premium reflects Standard Plus Risk Class @ Age 70. Cost of Waiting to Purchase often increases by changes to Age, Health and Product Availability.