| Year 1, age 60 | |
| Balance plus interest | $8,402 × 1.09=$9,158 |
| Premiums | 12 × $119 × .85 × (.9912 + (1 −.9912) × .9829) = $1,214 |
| Nursing home benefits | $18200 × .0054 × (.9912 + .9829) = <$194> |
| Home health care benefits | $3,280 × .0081 × (.9912 + .9829) = <$52> |
| Death benefits | $9,885 + 12 × $119 − $194 − $54 − $5,400 × .00025 = <$1> |
| Balance at year end | $10,124 |
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