Jessica is the beneficiary of her late mother's $400,000 life insurance policy. She chooses the settlement option that allows her to annuitize the death benefit and receive $30,000 per year at the beginning of every period. If the insurance company offers 5% return on the funds, how many years will these payments last? (A) 22.52 (B) 20.65 (C) 1533 (D) 13.33