George has just retired at age 65, and his retirement benefit entitles him to 1000 per month for life (starting immediately), with 500 per month continuing to his surviving spouse if he should die. George is four years older than his wife. A unisex 11.43 and il2)

life table gives us the values d^^ — 9.15, hi

"57 66 ~ 8.17. We are told that the table should be set forward one year for males and set back four years for females. Find the present value of George's retirement benefit.