5. You are given the following select and ultimate table. [2] 9[x] 9[x]+1 9[x]+2 9x+3 x+3 71 0.10 0.16 0.22 0.28 74 72 0.15 0.21 0.27 0.33 75 73 0.20 0.26 0.32 0.38 76 74 0.25 0.31 0.37 0.43 77 75 0.30 0.36 0.42 0.48 78 76 0.35 0.41 0.47 0.53 79 77 0.40 0.46 0.52 0.58 80 If A78 = 0.94, and the force of interest is d = 3%, find the APV of a $200,000 discrete whole life insurance policy payout on a 74-year-old who was approved for insurance last year. (paid at the end of the year of death)