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HomeMy WebLinkAbout03-26-07 ..J 15056051058 REV.1500 EX (06-05) PA Department of Revenue . Buraeu of Individual Taxes PO BOX 280601 Harr~u~,PA1712~1 ENTER DECEDENT INFORMATION BELOW Social Number Date of Death OFFICIAL USE ONLY ,c:ounty<?de Year INHERITANCE TAX RETURN RESIDENT DECEDENT File Number 21 06 1016 Date of Birth 201-18-5007 11/04/2006 06/27/1926 Decedent's Last Name Suffix Decedent's First Name une (If Applicable) Enter SurvIvIng Spouse's Information Below Last Name ~PCl~sE!'~,.~irstf\l~me Spouse'sSo<;jaISecurity Number THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS FILL IN APPROPRIATE OVALS BELOW ~ 1. Original Return C) 2. Supplemental Return C) 3. Remainder Return (date of death prior to 12-13-82) 5. Federal Estate Tax Return Required C) 4a. Future Interest Compromise (date of death after 12-12-82) C) 7. Decedent Maintained a Living Trust (Attach Copy of Trust) c:::> 10. Spousal Poverty Credit (date of death c:::> 11. Election to tax under Sec. 9113(A) between 12-31-91 and 1-1-95) (Attach Sch. 0) CORRESPONDENT - THIS SECTION MUST BE COMPLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX INFORMATION SHOULD BE DIRECTED TO: Name[)~ytirne TelephonE!lII~rnber 4. Limited Estate <:::::) ctJ Om 8. Total Number of Safe Deposit Boxes 6. Decedent Died Testate (Attach Copy of Will) 9. Litigation Proceeds Received E. Robert Elicker, II Firm Name (If Applicable) r~.:l (717) 240-6531J 5 ....riii~i~i'~rib~~=- '-...~" /-....... First line of address 4330 Roth Farm Village C)Cl ,~,~ .;? """C'1 --0 Second line of address .-_. :D --') Circle DATE FILED State ZIP Code 17050 Mechanicsburg Correspondent's e-mail address:belicker@ccpa.net Under penalties of pe~ury, I declare that I have examined this retum, including accompanying schedules and statements, and to the best of rrIJ knowledge and belief, n is true, correct and complete. Declaration of preparer other than the personal representative is basad on all information of which preparer has any knowledge. SIGNA ERS N RE 0 lE F R FILING RETURN DATE ~ 'J.1A ~ ~ ADDRESS 4330 Roth Farm Village Circle, Mechanicsburg, PA 17050 SIGNATURE OF PRE PARER OTHER THAN REPRESENTATIVE DATE ADDRESS PLEASE USE ORIGINAL FORM ONLY Side 1 L 15056051058 -.J 15056051058 MI R MI Ul . -.J , ~ ....J 15056052059 REV-1500 EX Decedent's Name: RECAPITULATION June R Clark 1. Real estate (Schedule A). ............................................ 1. 2. Stocks and Bonds (Schedule B) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 2. 3. Closely Held Corporation, Partnership or Sole-Proprietorship (Schedule C) .. . .. 3. 4. Mortgages & Notes Receivable (Schedule D) . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 4. 5. Cash, Bank Deposits & Miscellaneous Personal Property (Schedule E) . . . . . . " 5. 6. Jointly Owned Property (Schedule F) c::;) Separate Billing Requested . . . . . .. 6. 7. Inter-Vivos Transfers & Miscellaneous Non-Probate Property (Schedule G) Separate Billing Requested.. . . . . .. 7. 8. Total Gross Assets (total Lines 1-7). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 8. 9. Funeral Expenses & Administrative Costs (Schedule H). . . . . . . . . . . . . . . . . . . .. 9. 10. Debts of Decedent, Mortgage Liabilities, & Liens (Schedule I) . . . . . . . . . . . . . . . . 10. 11. Total Deductions (total Lines 9 & 10). . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .. 11. ~12. Net Value of Estate (Line 8 minus Line 11) .. . .. .. . . .. . .. . . . . . . . . . .. . . . . . 12. "-13. Charitable and Governmental Bequests/See 9113 Trusts for which an election to tax has not been made (Schedule J) . . . . . . . . . . . . . . . . . . . . . . . . 13. 14. Net Value Subject to Tax (Line 12 minus Line 13) . . . . . . . . . . . . . . . . . . . . . . . . 14. TAX COMPUTATION - SEE INSTRUCTIONS FOR APPLICABLE RATES 15. Amount of Line 14 taxable at the spousal tax rate, or transfers under Sec. 9116 (a)(1.2) X .0_ 16. Amount of Line 14 taxable at lineal rate X.O 45 99,381.65 17. Amount of Line 14 taxable at sibling rate X .12 18. Amount of Line 14 taxable at collateral rate X .15 2,000.00 19. TAX DUE. . . . . ... . . .. .. . .. . . . . . . . . . ... . . .. . . . . . . . ... . . . . . .. .. . . ... 19. 20. FILL IN THE OVAL IF YOU ARE REQUESTING A REFUND OF AN OVERPAYMENT L 15056052059 Side 2 Decedent's Social Seeurity Number 1-18-5007 160,000.00 262,708.10 107,881.01 20,190.65 550,n9.76 41,282.15 441.74 41,723.89 509,055.87 407,674.22 101,381.65 15. 16. 4,472.17 17. 18. 300.00 4,n2.17 - 15056052059 -.J * The charitable amount to West Shore Baptist Church is computed as follows: Net value.of estate $509,055.87 Less: (a) Annuity value to children per Schedule K and attachments which is attached to return 76,191.00 (b) Jointly owned property subject to tax which passes to surviving owner as reported on Schedule F 20,190.65 (c) $2,000.00 specific bequest to Kathy Hooper 2,000.00 (d) automobile and jewelry to children 3.000.00 Total deductions from net value of estate which are taxable 101,386.65 Balance to West Shore Baptist Church in accordance with trust provisions in will $407,674.22 REV-1500 EX Page 3 Decedent's Complete Address: DECEDENT'S NAME June R Clark STREET ADDRESS 1840 Holly Drive 1016 DECEDENT'S SOCIAL SECURITY NUMBER 201-18-5007 CITY Camp Hill STATE PA ZIP 17011 Tax Payments and Credits: 1. Tax Due (Page 2 Line 19) 2. CreditslPayments A. Spousal Poverty Credit B. Prior Payments C. Discount (1) 4,772.17 15,000.00 241.39 Total Credits ( A + B + C ) (2) 15,241.39 3. InteresllPenalty if applicable D. Interest E. Penalty TotallnteresllPenalty ( D + E ) (3) 4. If Line 2 is greater than Line 1 + Line 3. enter the difference. This is the OVERPAYMENT. Fill in oval on Page 2, Une 20 to request a refund. (4) 10,469.22 5. If Line 1 + Line 3 is greater than Line 2. enter the difference. This is the TAX DUE. B. Enter the total of Line 5 + 5A. This is the BALANCE DUE. (5) (5A) (5B) A. Enter the interest on the lax due. Make Check Payable to: REGISTER OF WILLS, AGENT PLEASE ANSWER THE FOLLOWING QUESTIONS BY PLACING AN "X" IN THE APPROPRIATE BLOCKS 1. Did decedent make a transfer and: Yes No a. retain the use or income of the property lransferred;.......................................................................................... D 00 b. retain the right 10 designate who shall use the property transferred or its income; ............................................ D 00 c. retain a reversionary interest; or.......................................................................................................................... D [i] d. receive the promise for life of either payments, benefits or care? ...................................................................... D [i] 2. If death occurrl1d after December 12, 1982, did decedent transfer property within one year of death without receiving adequate consideration? .............................................................................................................. D 00 3. Did decedent own an "in trust for" or payable upon death bank account or security at his or her death? .............. D 00 4. Did decedent own an Individual RetirementAccount, annuity, or other non-probate property which contains a beneficiary designation? ........................................................................................................................ D 00 IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YES, YOU MUST COMPLETE SCHEDULE G AND FILE IT AS PART OF THE RETURN. For dates of death on or after July 1. 1994 and before January 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is three (3) percent [72 P.S. 99116 (a) (1.1) (i)]. For dates of death on or after January 1, 1995. the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is zero (0) percent [72 P.S. 99116 (a) (1.1) (ii)]. The statute does not exempt a transfer to a surviving spouse from tax, and the statutory requirements for disclosure of assets and filing a tax relum are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: The lax rate imposed on the net value of transfers from a deceased child twenty-one years of age or younger at death to or for the use of a natural parent, an adoptive parent, or a stepparent of the child is zero (0) percent [72 P.S. 99116(a)(1.2)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's lineal beneficiaries is four and one-half (4.5) percent, except as noted in 72 P.S. 99116(1.2) [72 P.S. 99116(a)(1)]. The tax rate imposed on the net value of transfers to or for the use of the decedent's siblings is twelve (12) percent [72 P.S. 99116(a)(1.3)]. A sibling is defined, under Section 9102, as an individual who has at least one parent in common with the decedent, whether by blood or adoption. REV-1502 EX+ (6-98. COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE A REAL ESTATE ESTATE OF June R. Clark FILE NUMBER 21-06-1016 All rell property owl18d solely or I' I tel1lnt in conmon MIst be reported st fsir nltst Vllut. Fair market value is defined as the price at which property would be exchanged between a willing buyer and a willing seller, neither being compelled to buy or sell, both having reasonable knowledge of the relevant facts. Rill property which i. jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM NUMBER 1. DESCRIPTION and lot situate at 1840 Holly Drive, Lower Allen Township, Cumberland County, PA sold 22,2007, to Drago and Mira Savic, his wife, for $160,000.00 TOTAL (Also enter on line 1, Recapitulation) (If more space is needed. insert additional sheets of the same size) VALUE AT DATE OF DEATH 160, REV-1503 EX+ (6-98. COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE B STOCKS & BONDS ESTATE OF June R. Clark FILE NUMBER 21-06-1016 ITEM NUMBER 1. All property Jointly-owned with right of survivorship must be disclosed on Schedule F. DESCRIPTION shares of Amer Inri Group (AIG) common stock 2 shares of Key Corp (KEY) common stock TOTAL (Also enter on line 2, Recapitulation) (If more space is needed, insert additional sheels of the seme size) VALUE AT DATE OF DEATH 33,109. 229,598. 262,708. REV-150B EX+ (6-98) . COMMON\f,IEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DEOEDENT SCHEDULE E CASH, BANK DEPOSITS, & MISC. PERSONAL PROPERTY ESTATE OF June R. Clark FILE NUMBER 21-06-1016 Include the proceeds of litigation and the date the proceeds were received by the estate. All property jointly-owned with right of survivorship must be disclosed on Schedule F. ITEM NUMBER DESCRIPTION VALUE AT DATE OF DEATH total 1,000.0 2,000.0 1. New Cumberland Federal Credit Union, Account No. 2004 accrued dividends Watch and diamond rings given away before death. note to executor from deceased dated 10/06 wedding band and ring to daughter ngible personal property sold at Bricker Auction 1/24/07. Net proceeds TOTAL (Also enter on line 5, Recapitulation) $ (If more space is needed, insert additional sheets of the seme size) 107,881. REV-1509 EX+ (6-98* COMMON'vVEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE F JOINTLy-oWNED PROPERTY ESTATE OF June R. Clark FILE NUMBER 21-06-1016 If an asset was mlde joint within one year fA the decedent, date fA daath, it nust be ..ported on Schedule G. SURVIVING JOINT TENANT(S) NAME A. Douglas Clark Langille JOINTLY.OWNED PROPERTY: LmER ITEM FOR JOtH NUMBER TENANT 1. A. DATE MADE JOINT 09/24104 2. ADDRESS RELATIONSHIP TO DECEDENT Company 3rd STB 3rd BCT Airborne Division Assault KY 42223 DESCRIPTION OF PROPERTY INCLUDE NAME OF FIiANCIAL INSTITUTION AND BANK ACCOUNT NUMBER OR SIMILAR IDENTIFYING NUMBER. ATTACH DEED FOR JOINTLY-HELD REAL ESTATE. Bank, Checking Account No. 536789720 Bank Certificate of Deposit No. 31500094260 accrued interest Bank, Savings Account No. 5080417924 accrued interest Cumberland Federal Credit Union, Accl No. 80978 S-1 Savings Federal Credit Union, Acct. No. 80978 Cerl of Dep. accrued dividends 787.14 TOTAL (Also enter on line 6, Recapitulation) (If more space is needed, insert add~ional sheelli of the same size) REV-1511 EX+ (12-99. COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE H FUNERAL EXPENSES & ADMINISTRATIVE COSTS ESTATE OF June R. Clark FILE NUMBER 21-06-1016 ITEM NUMBER A. Debts of dectdtnt mUlt be reported on Schedule L DESCRIPTION AMOUNT 1. Funeral Home, 408 N. Third Street, New Cumberland, PA Funeral Green Cemetery, 1811 Carlisle Road, Camp Hill, PA Grave B. 1. ADMINISTRATIVE COSTS: Personal Representative's Commissions Name of Personal Representative(s) Social Security Number(s)/EIN Number of Personal Representative(s) Street Address Year(s) Commission Paid: 2. Attomey Fees 3. Family Exemption: (If decedenfs address is not the same as claimant's, attach explanaUon) City Claimant Relationship of Claimant 10 Decedent 4. Probate Fees 5. Accountanfs Fees 6. Tax Return Preparer's Fees 7. Cumberland Law Joumal - advertising letters letters fees, miscellaneous fees and TOTAL (Also enter on line 9, Recapitulation) (If more space is needed, insert add~ional sheets of the same size) REV-1512 EJ(+ (12-(3) '* COMMONWEAlTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE I DEBTS OF DECEDENT, MORTGAGE UABILlnES, & LIENS ESTATE OF June R. Clark FILE NUMBER 21-06-1016 Report debts Incurred by the decedent prior to death which remained unpaid II of the date of death, Including unrelmbur..d medical expen.... ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1, Verizon - Phone service charges 2. Peerless Insurance Company - payment for homeowne~s and auto insurance 3. PPL - electric service charges 4,PAWC - water service charges 5. UGI- gas service charges TOTAL (Also enter on line 10, Recapitulation) (If more space is needed, insert additional sheets of the same size) REV-1513 EX+ (9-00) '* COMMONWEAlTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE J BENEFICIARIES ESTATE OF June R. Clark NUMBER NAME AND ADDRESS OF PERSON(S) RECEIVING PROPERTY I TAXABLE DISTRIBUTIONS [include outright spousal distributions, and transfers under Sec. 9.116 (Ill (t~)) 1. Clark Langille, A Company 3rd STB 3rd BCT RELATIONSHIP TO DECEDENT Do Not Lilt Trustee(l) FILE NUMBER 21-06-1016 AMOUNT OR SHARE OF ESTATE 101 Airborne Division, Air Assault, Ft. Campbell, KY 42223 2. !Betsy E. Clark, 42 A N. Lincoln Street, Palmyra, PA 17078 Kathy Hooper, 820 Lisburn Road, Camp Hill, PA 17011 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18, AS APPROPRIATE, ON REV-1500 COVER SHEET II NON-TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT BEING MADE (If more space is needed. insert additional sheels of the same size) CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS Shore Baptist Church, 21st and Market Streets, Camp Hill, PA 17011 TOTAL OF PART 11- ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET ATTACHMENT TO SCHEDULE J (BENEFICIARIES) Douglas Clark Langille payable $200.00 per month per trust provisions, Paragraph 5 of Will, Annuity Value $40,569.00; Jewelry - 1 ring; Betsy E. Clark payable $200.00 per month per trust provisions, Paragraph 5 of will, Annuity Value $35,622.00; Jewelry - 1 band and ring --,._1 ~ Conrad Siegel ACTUARIES 501 Corporate Circle. P.O. Box 5900 · Harrisburg, PA 17110-0900 Phone (717) 652.5633 Fax (717) 540-9106 The Employee Benefits Company www.conradsiegel.com ad M. Siegel, F.S.A. , M. Leister, Jr., F.S.A. ~ E. Gingrich, F.S.A. lrt J. Dolan, A.S.A. d F. Stirling, A.S.A. art J. Mrazik, F.S.A. d H. Killick, F.SA 'lrf S. Myers, F.S.A. mas L Zimmerman, F .S.A. ln A. Hafer, F.S.A. in A. Erb, F.S.A. nk S. Rhodes, F.S.A., A.CAS. Iy A. Ross, F.S.A. lel M. Leymeister, CEBS rk A. Bonsall, F.S.A. 10 W. Jeffrey, F.S.A. nise M. Polin, F.S.A. omas W. Reese, A.S.A. lathan D. Cramer, F.S.A. hn D. Vargo, F.S.A. obert M. Glus, A.S.A. uce A. Senft, CEBS ,ura V. Hess, A.SA cki L. Delligatti lSley A. Bausch-Ward, A.S.A. mothy J. Patota, E.A. March 15, 2007 E. Robert Elicker, II, Esquire 4330 Roth Farm Village Circle Mechanicsburg,PJ\ 17050 Re: Estate of June R. Clark Dear Mr. Elicker: You provided us with various documents concerning the inheritance tax. return for June R. Clark. We understand that two of Mrs. Clark's beneficiaries, Betsy E. Clark, date of birth May 22, 1963, and Douglas Clark Langille, date of birth J\pril 7, 1985, are each to receive $200 per month from Mrs. Clark's estate for the remainder of their lifetimes. You requested that we calculate the present value of these $200 per month payments to the beneficiaries. The instructions to PA Form REV-1500 for Schedule K, Life Estate, Annuity & Term Certain, indicates that for decedents dying on or after May 1, 1989, the present value of an annuity which is dependent on the continuation or termination of the life of only one person will be determined using tables which incorporate an interest rate equal to 120% of the Federal mid-term annual rate in effect for the month in which the date of death occurred. J\t the top of Schedule K, the instructions indicate that the actuarial factors can be found in IRS Publication 1457, J\LEPH Volume for dates of death from May 1, 1999, and thereafter. Weare enclosing a completed Schedule K for your reference. We have completed the annuity calculation at the bottom of the sheet. The annuity factors are based on an interest rate of 5.6%. 120% ofthe Federal mid-term rate for the month of November 2006, which was the month of death of Mrs. Clark, was 5.65%. Since the tables in IRS Publication 1457 are provided in 0.2% increments, we used the closest rate of 5.6%. The present value of the annuities is displayed on Line 7 of Schedule K. We have provided individual entries for both beneficiaries. We are enclosing copies of the tables which were used from IRS Publication 1457. We trust that you are able to use this information to now complete the rest of the inheritance tax. return for Mrs. Clark. If you have any questions concerning this analysis, please do not hesitate to contact one of us. .=====J Conrad Siegel ~ACTUARIES E. Robert Elicker, II, Esquire March 15, 2007 Page 2 You asked that we suggest what our fee will be for this work so that you may take it as a deduction. Our bill will be $450 and will be released within the next week or so. With best regards, Yours sincerely, d (11. ~~;9; ZJJ ' Harry . Leister, Jr., F.S.A. Consu ing Actuary ~V.~ Jonathan D. Cramer, F.S.A. Consulting Actuary HML:JDC:kad Encl. REV. "" EX. '''.0. COMMONWEALTH OF PENNSYLVANIA INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE K LIFE ESTATE, ANNUITY & TERM CERTAIN ESTATE OF Check Box 4 on REV-1500 Cover Sheet FILE NUMBER This schedule is to be used for all single life, joint or successive life estate and term certain calculations. For dates of death prior to 5-1-89. actuarial factors for single life calculations can be obtained from the Department of Revenue, Specialty Tax Unit. Actuarial factors can be found in LRS Publication 1457, Actuarial Values. Alpha Volume for dates of death from 5-1-89 to 4-30-99, and In Aleph Volume for dates of death from 5-1-99 and thereafter. Indi~ the type of instrument which created the future interest below and attach a copy to the tax return. r'- Will 0 Intervivos Deed of Trust 0 Other o Life or 0 Term of Years o Life or 0 Term of Years o Life or 0 Term of Years o Life or 0 Term of Years o Life or 0 Term of Years 1. Value of fund from which life estate is payable . , . . , . . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$ 2. Actuarial factor per appropriate table ...................,.....,....................... Interest table rate - 031/2% 06% 0 10% 0 Variable Rate % 3. Value of life estate (Line 1 multiplied by Line 2) ......................................$ Geh e. C(",,1v ....:~iii~~i.~> 5/2:2//%3 4/-r1'915 43 l2- o Term of Years 9lLife or 0 Term of Years o Life or 0 Term of Years !)u" lClJ CI~r" ~., ville, o Life or 0 Term of Years 1. Value of fund from which annuity is payable . . . . . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$ 2. Check appropriate block below and enter corresponding (number) .. . . . . . . . . . . . . . . . . , . . , . . . . Frequency of payout - 0 Weekly (52) 0 Bi-weekly (28) ,. Monthly (12) o Quarterly (4) 0 Semi-annually (2) 0 Annually (1) 0 Other ( ) 3. Amount of payout per period . . . . . . . . . . , . . . . . . . . . . . . . . . . . . . . . . . , . , . . . . , . . . . , . . . . . . . . .$ 4. Aggregate annual payment, Line 2 multiplied by Line 3 ..,................................ 5. Annuity Factor (see instructions) Interest table rate - 0 3 1/2% 06% 0 10% ).it Variable Rate 5. b % 6. Adjustment Factor (see instructions) .... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 50Q,93/ 12 7. Value of annuity - If using 3 1/2%, 6%, 10%, or if variable rate and period payout is at end of period. calculation is: Line 4 x Line 5 x Line 6 . . . . . . . . . . . . . . . , . . . . . ',' . . ,$ 35, b 2..2.. + If using variable rate and period payout is at beginning of period. calculation is: (Line 4 x Line 5 x Line 6) + Line 3 .........,........................................$ J 00 ~e.,~ ~1\(lVl+~...+ '2.'100''1-' '-l'tob!":, '4~()o ~"") D<I,,~I~1 lit. lt1lt~ Ib.~~l.j~ 1.()25~J I, 02~'" . 40, 5 b~ = 1h.I'I1 NOTE: The values of the funds which create the above future interests must be reported as part of the estate assets on Schedules A through :3 of this tax return. The resulting life or annuity interest(s) should be reported at the appropriate tax rate on Lines 13 and 15 through 18. (If more space is needed, insert additional sheets of the same size) Section 1 Table S (5.6) Single Life Factors Based on Life Table 90CM Interest at 5.6 Percent Life Life Age Annuitv Estate Remainder Age Annultv Estate Remainder 0 17.1944 .96289 .03711 55 12.3284 .69039 .30961 1 17.3242 .97015 .02985 56 12.1163 .67851 .32149 2 17.3073 .96921 .03079 57 11.8995 .66637 .33363 3 17.2851 .96797 .03203 58 11.6787 .65400 .34600 4 17.2597 .96654 .03346 59 11.4545 .64145 .35855 5 17.2316 .96497 .03503 60 11.2273 .62873 .37127 . 6 17.2014 .96328 .03672 61 10.9968 .61582 .38418 7 17.1690 .96146 .03854 62 10.7622 .60268 .39732 8 17.1346 .95954 .04046 63 10.5234 .58931 .41069 9 17.0977 .95747 .04253 64 10.2809 .57573 .42427 10 17.0582 .95526 .04474 65 10.0348 .56195 .43805 11 17.0162 .95291 .04709 66 9.7847 .54794 .45206 12 16.9720 .95043 .04957 67 9.5299 .53367 .46633 13 16.9261 .94786 .05214 68 9.2709 .51917 .48083 14 16.8796 .94526 .05474 69 9.0085 .50448 .49552 15 16.8330 .94265 .05735 70 8.7440 .48966 .51034 16 16.7865 .94004 .05996 71 8.4785 .47480 .52520 17 16.7398 .93743 .06257 72 8.2128 .45991 .54009 18 16.6926 .93479 .06521 73 7.9474 .44505 .55495 19 16.6439 .93206 .06794 74 7.6815 .43016 .56984 20 16.5932 .92922 .07078 75 7.4142 .41520 .58480 21 16.5401 .92625 .07375 76 7.1449 .40011 .59989 22 ~) .92315 .07685 77 6.8735 .38491 .61509 23 16.4270 .91991 .08009 78 6.6006 .36964 .63036 24 16.3663 .91651 .08349 79 6.3280 .35437 .64563 25 16.3022 .91292 .08708 80 6.0577 .33923 .66077 26 16.2348 .90915 .09085 81 5.7918 .32434 .67566 27 16.1636 .90516 .09484 82 5.5314 .30976 .69024 28 16.0890 .90099 .09901 83 5.2765 .29549 .70451 29 16.0109 .89661 .10339 84 5.0255 .28143 .71857 30 15.9293 .89204 .10796 85 4.7769 .26750 .73250 31 15.8442 .88728 .11272 86 4.5327 .25383 .74617 32 15.7555 .88231 .11769 87 4.2964 .24060 .75940 33 15.6627 .87711 .12289 88 4.0679 .22780 .77220 34 15.5659 .87169 .12831 89 3.8473 .21545 .78455 35 15.4645 .86601 .13399 90 3.6348 .20355 .79645 36 15.3589 .86010 .13990 91 3.4338 .19229 .80771 37 15.2486 .85392 .14608 92 3.2479 .18188 .81812 38 15.1333 .84747 .15253 93 3.0765 .17229 .82771 39 15.0130 .84073 .15927 94 2.9171 .16336 .83664 40 14.8872 .83369 .16631 95 2.7660 .15490 .84510 41 14.7556 .82632 .17368 96 2.6241 .14695 .85305 42 14.6182 .81862 .18138 97 2.4928 .13960 .86040 43 ~ .81059 .18941 98 2.3696 .13270 .86730 44 14.3255 .80223 .19777 99 2.2496 .12598 .87402 45 14.1707 .79356 .20644 100 2.1329 .11944 .88056 46 14.0104 .78458 .21542 101 2.0180 .11301 .88699 47 13.8449 .77532 .22468 102 1.9052 .10669 .89331 48 13.6741 .76575 .23425 103 1.7935 .10043 .89957 49 13.4978 .75588 .24412 104 1.6743 .09376 .90624 50 13.3158 .74568 .25432 105 1.5578 .08724 .91276 51 13.1281 .73518 .26482 106 1.4085 .07887 .92113 52 12.9355 .72439 .27561 107 1.2279 .06876 .93124 53 12.7380 .71333 .28667 108 .9484 .05311 .94689 54 12.5356 .70199 .29801 109 .4735 .02652 .97348 18 Table K Section 6 Adjustment Factors for Annuities Payable at the End of Each Interval Frequency of Payments Interest Semi Rate Annually Annually Quarterly Monthly Weekly 2.2% 1.0000 1.0055 1.0082 1.0100 1.0107 2.4% 1.0000 1.0060 1.0090 1.0110 1.0117 2.6% 1.0000 1.0065 1.0097 1.0119 1.0127 2.8% 1.0000 1.0070 1.0104 1.0128 1.0137 3.0% 1.0000 1.0074 1.0112 1.0137 1.0146 3.2% 1.0000 1.0079 1.0119 1.0146 1.0156 3.4% 1.0000 1.0084 1.0127 1.0155 1.0166 3.6% 1.0000 1.0089 1.0134 1.0164 1.0175 3.8% 1.0000 1.0094 1.0141 1.0173 1.0185 4.0% 1.0000 1.0099 1.0149 1.0182 1.0195 4.2% 1.0000 1.0104 1.0156 1.0191 1.0205 4.4% 1.0000 1.0109 1.0164 1.0200 1.0214 4.6% 1.0000 1.0114 1.0171 1.0209 1.0224 4.8% 1.0000 1.0119 1.0178 1.0218 1.0234 5.0% - 1.0000 1.0123 1.0186 1.0227 1.0243 5.2% 1.0000 1.0128 1.0193 1.0236 1.0253 5.4% 1.0000 1.0133 1.0200 1.0245 1.0262 5.6% 1.0000 1.0138 1.0208 q.0254~ 1.0272 5.8% 1.0000 1.0143 1.0215 1.0263 1.0282 6.0% 1.0000 1.0148 1.0222 1.0272 1.0291 6.2% 1.0000 1.0153 1.0230 1.0281 1.0301 6.4% 1.0000 1.0158 1.0237 1.0290 1.0311 6.6% 1.0000 1.0162 1.0244 1.0299 1.0320 6.8% 1.0000 1.0167 1.0252 1.0308 1.0330 7.0% 1.0000 1.0172 1.0259 1.0317 1.0339 7.2% 1.0000 1.o1n 1.0266 1.0326 1.0349 7.4% 1.0000 1.0182 1.0273 1.0335 1.0358 7.6% 1 .0000 1.0187 1.0281 1.0344 1.0368 7.8% 1.0000 1.0191 1.0288 1.0353 1.0378 8.0% 1.0000 1.0196 1.0295 1.0362 1.0387 8.2% 1.0000 1.0201 1.0302 1.0370 1.0397 8.4% 1.0000 1.0206 1.0310 1.0379 1.0406 8.6% 1.0000 1.0211 1.0317 1.0388 1.0416 8.8% 1.0000 1.0215 1.0324 ,1.0397 1.0425 9.0% 1.0000 1.0220 1.0331 1.0406 1.0435 9.2% 1.0000 1.0225 1.0339 1.0415 1.0444 9.4% 1.0000 1.0230 1.0346 1.0424 1.0454 9.6% 1.0000 1.0235 1.0353 1.0433 1.0463 9.8% 1.0000 1.0239 1.0360 1.0442 1.0473 10.0% 1.0000 1.0244 1. 0368 1.0450 1.0482 10.2% 1.0000 1.0249 1.0375 1.0459 1.0492 10.4% 1.0000 1.0254 1.0382 1.0468 1.0501 10.6% 1.0000 1.0258 1.0389 1.04n 1.0511 10.8% 1.0000 1.0263 1.0396 1.0486 1.0520 11.0% 1.0000 1.0268 1.0404 1.0495 1.0530 11.2% 1.0000. 1.0273 1.0411 1.0503 1.0539 11.4% 1.0000 1.02n 1.0418 1.0512 1.0549 11.6% 1.0000 1.0282 1.0425 1.0521 1.0558 11.8% 1.0000 1.0287 1.0432 1.0530 1.0568 12.0% 1.0000 1.0292 1.0439 1.0539 1.05n 867