QUESTION 1 Mr. Hendry was offered by one of the banking marketing to take part in a savings program which includes insurance products on January 1,2023 . The program illustration is as follows: 1. Mr. Hendry must save up to 5 times the initial deposit of IDR 150,000,000 yyear on an ongoing basis in a row 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 of deposit and 15 years of deposit) a refund of IDR 1,000,000,000 will be returned. 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, which is IDR 2,000,000,000. Mr. Hendry is currently 40 years old. The risk of death from Mr. Hendry's health analysis, death at the age of 40-50 years is 15\%; and at the age of 51-55 years 20% and aged 5660 years 40%. 6. Coincidentally, for the end of 2022 promo, if this product proposal is approved, an additional Japanese vacation package cash back (CGK-HND) will be given for 2 people worth IDR 50,000,000. 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 Mr Hendry