d. Donald had purchased a life insurance policy (premiums totaled $168,000 ) that paid $319,000 in the event of accidental death. The proceeds were payable to Darlene, who elected to receive installment payments as an annuity of $37,000 each year for a 20 year period. She received her first installment this year. If an amount is zero, enter "0". Round any division to two decimal places. Round your final answers to nearest whole dollar