Someone offered the investment options to Hendry on January 1, 2023: 1. Hendry has to save up to 5 times the initial deposit of US $ 150,000/year. 2. The savings cannot be taken for 20 years until 2043. 3. The interest rate calculated as a return by Mr. Hendry is 12% in the first 5 years and 8% in the next 15 years. 4. The program promises that if within 20 years it is not collected (5 years deposited and 15 years deposited) then the money will be returned in the amount of US$ 1,000,000. 5. Over a period of 20 years, this product includes a life insurance program, which if you die within a period of 20 years, will be disbursed 2x of the promised value of US $ 2,000,000. Hendry is currently 40 years old. The risk of death from Hendry's health analysis, closing at the age of 40-50 years is 15%; and at the age of 51-55 years 20% and aged 56-60 years 40%. 6. Coincidentally, for the end of 2022 promo, if the product proposal is approved, an additional cash back Japan vacation package (CGK-HND) will be given for 2 people worth UU S$ 50,000. The first deposit will still be made January 1, 2023. New trips can be scheduled as early as January 1, 2024. In your opinion, is this program profitable for Hendry?