Burris Kelly LTC 0500 095 PBNS 2018 02 13

Kelly Burris Durable Chronic Illness Funding $500,000 Pool of Money

Prudential Life Insurance Living & Death Benefits

Living Benefits Begin @

After

Age 78

Age 80

Age 82

Age 95

Maximum

Net IRR >

7.93% 7.01%

6.23%

0.00%

HIPAA

Policy

Att per diem Distrib Year Age Monthly Monthly

Cash Flow Reflects ALL Living & Death Benefits

1 52 2 53 3 54 4 55 5 56 6 57 7 58 8 59 9 60 10 61 11 62 12 63 13 64 14 65 15 66 16 67 25 76 26 77 27 78 28 79 29 80 30 81 31 82 32 83 33 84 34 85 35 86 36 87 37 88 38 89 39 90 40 91 41 92 42 93 43 94 44 95 45 96

10,800 11,124 11,458 11,801 12,155 12,520 12,896 13,283 13,681 14,092 14,514 14,950 15,398 15,860 16,336 16,826 21,954 22,613 23,291 23,990 24,710 25,451 26,214 27,001 27,811 28,645 29,505 30,390 31,301 32,240 33,208 34,204 35,230 36,287 37,376 38,497 39,652

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

5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206

5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206

5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206

5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206 5,206

5,206 5,206

-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

5,206 < Normal Life Expectancy

0

Average Annual Premium

5,206

5,206

5,206

5,206

Annual Premiums reflect Female Preferred Best Risk @ Age 52. Risk Class subject to Underwriting. Includes Chronic Illness Rider Premium (approx 24% of Total Annual Premium). $10,000 Maximum Monthly Living Benefit (@ 2% of Initial Death Benefit or HIPAA if less). 3.00% HIPAA per Diem ($360 in 2018) reflects Projected Inflation. Normal Life Expectancy reflects Average of 2001 CSO and 2008 VBT Actuarial Tables. $5,483 Annual Premium reflects Preferred Best Risk Class @ Age 53. $6,197 Annual Premium reflects Preferred Risk Class @ Age 53. Cost of Waiting to Purchase often increases by changes to Age, Health and Product Availability.

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