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 4050 years is 15\%; and at the age of 5155 years 20% and aged 5660 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 $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