Marcella, aged 35, and Maria, aged 40, purchase a life insurance policy which will pay annual benefits to the survivor upon the death of one of the women, first payment at the end of the year of death. If Marcella dies first, Maria receives 2000 per year for life. If Maria dies first, Marcella receives X per year for life.

The policy is purchased by net annual premiums of 400, payable at the beginning of each year as long as both women are alive.

Given a^s — 15, ^40 = 13.6 and (235:40 = 12.1, findX