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75-year-old female Annual Payouts Annual Present Value annuity payout appreciation sharing borrower's buying power risk cash payout cost current value ratio debt loan deferral period deferred annuity Depletion Insurance Maximum depletion percentage developed equity conversion loan equity depletion insurance equity depletion risk fixed future returns fixed-debt loans fixed-debt RAM Frank Thompson future payouts Graduated Payout Reverse home appreciation Home Equity Conversion home value immediate whole Initial Disbursement initial earnings initial lump sum insufficient initial yield Insurance Maximum Payouts interest payments interest rate risk interest-only loan Lender's Return lenders and borrowers loan advances Loan Balance loan plans loan term loanable equity Loss At Various Monthly Loan mortgage insurance outlive their loanable Payout Expected Loss Payout Reverse Mortgage payout term payouts and interest Payouts and Present premium protect against equity provide the lender rising-debt reverse mortgage rising-limited debt RAM risk of equity shared appreciation mortgage term loan Value of Expected whole life annuity