For a special 2-year deferred whole life annuity-due on (40), you are given: (i) The first annual payment is 1000. (ii) Payments increase by 4% (compound) each year. (iii) Level premiums are payable at the beginning of each of the first 2 years. (iv) The curtate expectation of life for (40), e0, is 11.06. (v) P40 = 0.99, p41 = 0.98 (vi) i = 0.04 Calculate the net premium.