A life insurance company is planning to market a 3-year unit-linked endowment policy with details:

A level premium of $2,000 payable annually in advance;

98% of each premium is allocated to purchase units at the offer price;

Units are subject to a bid-offer spread of 5%;

The annual management charge is 1.5% of the bid value of the units and is deducted at the end of each year immediately before the payment of any benefits due at that time;

On death before the end of the term of the policy, the greater of $6,000 and the bid value of the units is paid out at the end of the year of death;

Initial expenses are $200 and annual expenses of $20 per annum are incurred at each policy anniversary and grow at an inflation rate of 5% per annum from the date of issue of the policy;

It is assumed assets in the unit fund will grow at 9% per annum while the rate of interest on the non-unit fund will be 6% per annum;

The relevant 2-year select death rates are: [60]=0.03, [60]+1=0.035 and 62=0.04.

Calculate the profit signature for such a policy sold to a 60-year old.