Sunay Shah's Dad

Sunay Shah's Dad 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 >

13.31% 10.35%

8.18%

0.00%

HIPAA

Policy

Att per diem Distrib Year Age Monthly Monthly

Cash Flow Reflects ALL Living & Death Benefits

1 65 2 66 3 67 4 68 5 69 6 70 7 71 8 72 9 73 10 74 11 75 12 76 13 77 14 78 15 79 16 80 17 81 18 82 19 83 20 84 21 85 22 86 23 87 24 88 25 89 26 90 27 91 28 92 29 93 30 94 31 95 32 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 27,751

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

11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935

11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935

11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935

11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935 11,935

11,935 11,935

‐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

11,935    < Normal Life Expectancy

0

Average Annual Premium

11,935

11,935

11,935

11,935

Annual Premiums reflect Male Preferred Risk @ Age 65.  Risk Class subject to Underwriting. Includes Chronic Illness Rider Premium (approx 14% 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. $12,819 Annual Premium reflects Preferred Risk Class @ Age 66. $15,633 Annual Premium reflects Standard Plus Risk Class @ Age 66. Cost of Waiting to Purchase often increases by changes to Age, Health and Product Availability.