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4. For a whole life insurance of $1,000 issued to (65), you are given: (i) Death benefits are payable at the end of the year of death; (ii) Mortality follows the Ilustrative Life Table with the exception of the first year where you are given that q65-0.03; (iii) The annual effective interest rate is 2% in the first year, 3% in the second year, and 6% each year thereafter. Calculate the actuarial present value of the death benefits