Find the Present Value of Your Future Earnings at Graduation In personal risk evaluation and the decision of how much insurance to purchase, one important consideration is the current and future earnings. In homework assignment 2, you will try to find the present value of your future earnings at graduation. Assume retirement at age 62, no gaps for unemployment, disability Use current return on 10-yr Treasury bonds as discount rate If you are a graduating senior and have already accepted a job offer upon graduation, use that salary as your starting point Actuarial students should use the 2019 Ezra-Penland salary survey for US Health Actuaries, All Employment Types If you have not yet passed two actuarial exams, assume no income until you pass two exams Assume you pass 1 exam/yr (including the years remaining as an undergrad at DePaul), plus 1 yr each for ASA and FSA non-exam requirements Interpolate between ranges if there isn't one that matches your assumed status Assume you earn 5% over minimum of the appropriate range for the first 20 years After 20 years, assume 2% salary increases until you reach.