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HomeMy WebLinkAbout05-09-12 (3) 1505610140 REV-1500 ~` (°'-'°' PA Department Of Revenue OFFICIAL USE ONLY Bureau of Individual Taxes PO sox 2ti0801 INHERITANCE TAX RETURN County Code Yeer File Number Harrisburg, PA 17128-0601 RESIDENT DECEDENT 2 1 1 0 0 8 9 7 ENTER DECEDENT INFORMATION BELOW SOCial Security Number Date Of Death MMDDYYYY Date Of Birth MMDDYYYY 2 1 0 2 6 6 7 3 4 0 8 1 7 2 0 1 0 0 8 0 1 1 9 3 2 Decedents Last Name Suffix Decedent's First Name MI H E N R Y J O Y C E L (If Applicable) Error Surviving Spouse's Informatton Below Spouse's Last Name Suffot Spouse's First Name MI Spouse's Social Security Number FILL IN APPROPRIATE OVALS BELOW THIS RETURN MUST BE FILED IN DUPLICATE WITH THE REGISTER OF WILLS 1.Original Retum 0 2. Supplemental Retum ~ 3. Remainder Return (date of death 4. Limited Estate ~ 4a. Future Interest Compromise (date of prior to 12-13-82) ~ 5. Federal Estate Tax Retum Required death after 12-12-62) 6. Decedent Died Testate ~ 7. Decedent Maintained a Living Trust 8. Total Number of Safe Deposit Boxes (Attach Copy of Will) (Attach Copy of Trust) 9. Litigation Proceeds Received ~ 10. Spousal Poverty Credit (date of death ~ 11. Election to tax under Sec. 9113(A) between 12-31-91 and 1-1-95) (Attadt Sch. O) CORRESPONDENT -THIS SECTION MUST BE COLLETED. ALL CORRESPONDENCE AND CONFIDENTIAL TAX gIFORMATKNI SHOULD BE DIRECTED T0: Name Daytime Telephone Number R O G E R B I R W I N E S Q U I R E 7 1 7 2 4 9 2 3 5 3 REGISTER OF WILLS USE ONLY First line of address I R W I N 8 M c K N I G H T P C~ ~ Second line of address ~~ ~,.~"- r- ~ -r t - it 6 0 W E S T P O M F R E T S T R E E T ~_ ~ ~l~' City or Post Office State ZIP Code ~i4TE FILED ~ .: - C A R L I S L E P A 1 7 0 1 3 ~~ ~ -_ ~: r_ R7 (~ `~ Corresponderrt's small address: ~ Under penalties of perjury, I declare that I have examined thls return, including accompanying schedules and statements, and to the hest of my knowledge and belief, it is true, co and complete. Declaretion of preparer other than the peroonal representative is basetl on all infonnatlon of which preparer has any knowledge. SIGNATU F PERSON RE OR FILING RETURN ADDRESS DATF„- /~ 100 FLINTSTONE DRIVE NEWVILLE PA 1`7241 SIGNATURE ARER OTHER HAN REP SENTATNE D TE ADDRES ' ! ~ / ~ 60 WEST PO RET STREET CARLISLE PA 17013 PLEASE USE ORIGINAL FORM ONLY Side 1 1505610140 1505610140 J ~~ 150561D240 REV-1500 EX Decedents Social Security Number Decedents Name: JOYCE L• HENRY 2 1 0 2 6 6 7 3 4 RECAPITULATION 1. Real Estate (Schedule A) ..................................... .... .. 1. 2. Stocks and Bonds (Schedule e) ................................ .... .. 2. 2 8 5 3 • 1 8 3. Closely Held Corporation, Partnership or Soie-Proprietorship (Schedule C) ... .. 3. 4. Mortgages and Notes Receivable (Schedule D) .................... .... .. 4. 5. Cash, Bank Deposits and Miscellaneous Personal Property (Schedule E). .... .. 5. 2 5 D 7 6 , 3 9 6. Jointly Owned Property (Schedule F) ^ Separate Billing Requested . .... .. 6. 7. Inter-Vivos Transfers & Miscellaneous N -Probate Property (Schedule G) ~] Separate BiAing Requested . .... .. 7. 8. Total Grass Assets (total Lines 1 through 7) ..................... .... .. 8. 2 7 9 2 9 , 5 7 9. Funeral Expenses and Administrative Costs (Schedule H) ............ .... .. 9. 5 3 D . D 0 10. Debts of Decedent, Mortgage Liabilities, and Liens (Schedule I) ....... .... .. 10. 11. Total Deductions (total Lines 9 and 10) ......................... .... .. 11. 5 3 0 . 0 D 12. Net Value of Estate (Line 8 minus Line 11) ...................... .... .. 12. 2 7 3 9 9. 5 7 13. Charitable and Governmental Bequests/Sec 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. 2 7 3 9 9 . 5 7 TAX CALCULATION -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.o _ 0. 0 0 15. 0. 0 0 16. Amount of Line 14 to ble at lineal rate X .o 2 7 3 9 9 . 5 7 1s. ~ ~ 3~,~~.8 :--8-~ 17. Amount of Line 14 taxable O D 0 17 0 0 0 . at sibling rate X .12 . . 18. Amount of Line 14 taxable D D D D D D . at collateral rate X .15 18. . 19. TAX DUE ......................................................19. 20. FILL iN THE OVAL IF YOU ARE REt,UEBTING A REFUND OF AN OVERPAYMENT D• 0 D Side 2 1505610240 1505610240 REV-15D0 Ex Page 3 Decedent's Complete Address: File Number 21 10 0897 DECEDENTS NAME JOYCE L. HENRY STREET ADDRESS 100 FLINTSTONE DRIVE CITY NEVWILLE STATE PA 21P 17241 Tax Payments and Credits: 1. Tax Due (Page 2, Line 19) 2. CreditslPayments A. Prior Payments - B. Discount 3. Interest 4. If Line 2 is greater than Line 1 + Line 3, enter the difference. This is the OVERPAYMENT. Fill in oval on Page 2, Line 20 to request a refund. 5. If Line 1 + Line 3 is greater than Line 2, enter the difference. This is the TAX DUE. (1) ~~ ~ 3~. ~ too Total Credits (A + B) (2) 0.00 (3) (~) ,00 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 inr~me of the property transferred : ........................................................... ........... ^ ^X b. retain the right to designate who shall use the property transferred or its income : .................... ........... ^ c. retain a reversionary interest; or ..................................................................................... ........... ^ d. receive the promise for life of either payments, benefits or care? ............................................ ........... ^ ^X 2. If death occurred after December 12,1982, did decedent transfer property within one year of death without receiving adequate consideration? ............................................................................ ........... ^ Q 3. Did decedent awn an "intrust for' orpayable-upon-death bank account or security at his or her death? ......... ^ ^X 4. Did decedent own an individual retirement account, annuity or other non-probate property, which contains a benefiaary designation? ......................................................... .............................. ^ ........... 0 IF THE ANSWER TO ANY OF THE ABOVE QUESTIONS IS YE5, 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 Jan.1,1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 3 percent [72 P.S. §9116 (a) (1.1) (i)]. For dates of death on or after Jan. 1, 1995, the tax rate imposed on the net value of transfers to or for the use of the surviving spouse is 0 percent [72 P.S. §9116 (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 return are still applicable even if the surviving spouse is the only beneficiary. For dates of death on or after July 1, 2000: • The tax rate imposed on the net value of transfers from a deceased child 21 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 0 percent [72 P.S. §9116(a)(1.2)]. • The tax rate imposed on the net value of transfers to or for the use of the decedents lineal beneficiaries is 4.5 percent, except as noted in 72 P.S. §9116(1.2) [72 P.S. §9116(a)(1)]. • The tax rate imposed on the net value of transfers to or for the use of the decedents siblings is 12 percent [72 P.S. §9116(a)(1.3)]. Asibling 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-1503 EX + (6-99) SCHEDULE B CoMn~NWEALTH OF PENNSYLVANIA STOCKS ~ BONDS INHERITANCE TAX RETURN RESIDENT DECEDENT w i w i c yr FILE NUMBER JOYCE L. HENRY 21 10 0897 AN property jointly-owned with right of aurvHorehip must bs dleclesed on Schedule F. ITEM VALUEAT DATE NUMBER DESCRIPTION OF DEATH 1. COMPUTERSHARE -131 SHARES OF PRINCIPAL FINANCIAL GROUP, INC. STOCK 2,853.18 131 X $21.78 = $2,853.18 TOTAL (Also enter on line 2, Recapitulation) ~ ; (If mole space is needed, insert additional sheets of the same size) REV-7508 EX+ (11-10) Pennsylvania SCHEDULE E DEPARTMENT OF REVENUE CASH, BANK DEPOSITS, S MISC. IRESI ENT DECEDENT URN PERSONAL PROPERTY ESTATE OF: FILE NUMBER: JOYCE L. HENRY 21 10 0897 Include the proceeds of litigation and the date the proceeds were received hY the estale. AN property ~Y owned whh right of survivorship must be dlecbsed on Schedule F. ITEM VALUE AT DATE NUMBER DESCRIPTION OF DEATH 1. LINCOLN FINANCIAL GROUP -ANNUITY CONTRACT #0007566851 25,076.39 BENEFICIARY: THE ESTATE OF JOYCE L. HENRY TOTAL (Also enter on Line 5, Recapitulation) ~ S If more space is needed, insert additional sheets of paper of the same size REV-1511 EX+ (10-09) ' pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE H FUNERAL EXPENSES AND ADMINISTRATIVE COSTS JOYCE L. HENRY 21 10 0897 Decedent's debts must 6e reported on Sclrodule I. ITEM NUMBER DESCRIPTION AMOUNT A. FUNERAL EXPENSES: 1. B, ADMINISTRATIVE COSTS: 1. Personal Representative Commissions: Name(s) of Personal Representative(s) Stseet Addre~ City State T- ZIP Year(s) Commission Paid: y, AtromeyFees: IRWIN & MCKNIGHT, P.C. 3, Family Exemption: (If decedents address ~ not the same as daimanYS, attach explanation.) Claimant 4. 5. 6. 7. saeetaddresa city state zIP Relationship of Claimant to Decedent Probate Fees: Accountant Fees: Tax Retum Preparer Fees: REGISTER OF WILLS -FILING FEE 500.00 30.00 TOTAL (Also enter on Line 9, Recapitulation) I S If more space s needed, use additional shee4s of paper of the same size. REV-1513 EX+ (01-10) ' Pennsylvania DEPARTMENT OF REVENUE INHERITANCE TAX RETURN RESIDENT DECEDENT SCHEDULE J BENEFICIARIES ESTATE OF: FILE HUMBER: _I(1VrF I HENRY 71 1n AA97 RELATIONSHIP TO DECEDENT AMOUNT OR SHARE NUMBER NAME AND ADDRESS OF PERSON{S) RECEIVING PROPERTY Do Not List Trusteeis) OF ESTATE I TAXABLE DISTRIBUTIONS pn ~autrias ~sQou ~Ild~bibutions and transfers under ~''~T )(1 1, MICAHEL D. HENRY Lineal 6,849.90 8 MARION DRIVE 1/4TH REMAINDER LANDISBURG, PA 17040 2. RANDY J. HENRY Lineal 6,849.89 661 WILLOW GROVE ROAD 1/4TH REMAINDER CARLISLE PA 17015 3. KATHY E. LINE Lineal 13,699.78 100 FLINTSTONE DRIVE 1/2 REMAINDER NEWVILLE, PA 17241 ENTER DOLLAR AMOUNTS FOR DISTRIBUTIONS SHOWN ABOVE ON LINES 15 THROUGH 18 OF REV-1500 COVER S HEET, AS APPROPRIATE. II. NON TAXABLE DISTRIBUTIONS: A. SPOUSAL DISTRIBUTIONS UNDER SECTION 9113 FOR WHICH AN ELECTION TO TAX IS NOT TAKEN: 1. B. CHARITABLE AND GOVERNMENTAL DISTRIBUTIONS: 1. TOTAL OF PART II -ENTER TOTAL NON-TAXABLE DISTRIBUTIONS ON LINE 13 OF REV-1500 COVER SHEET. ; If nwre space Is needeD, use aaamonal snee[s m paper Ot the sarrle size. n ra b ~_i -S. ~7 ~. r'•-• . LAST WILL AND TESTAMENT ~_ ~~-~ ~ `~ ' ' ~ ~ _'' .~ , ~~„ _ -p I, JOYCE L. HENRY, of North Middleton Township, Cumberland C~ nty; ' ``: Pennsylvania, being of sound mind, disposing memory and full legal age, do hereby make, publish and declare this to be my Last Will and Testament, hereby revolting all Wills and Codicils heretofore made by me. 1. I direct my Executrix or Substitute Executors, as the case may be, to pay all of my debts, funeral and administrative expenses as soon as convenient after my decease. Furthermore, I direct that all state, inheritance, succession aad other death taxes imposed or payable by reason of my death anal interest and penalties thereon with respect to all property composing of my gross estate for death tax purposes, whether or not such property passes under this Will, shall be paid by the Executrix or Substitute Executors of my estate. 2. My Executrix or Substitute Executors may, at her or their discretion, compromise claims, borrow money, retain property for such length of time as she or they may deem proper; lease and sell property for such prices, on such terms, at public or private sales, as she or they may deem proper; and invest estate property and income without restriction to legal investments unless otherwise provided hereunder. 3. I authorize and empower my Executrix or Substitute Executors to sell any realty and/or personalty owned by me at my death and not specifically devised or bequeathed herein, at public or private sale or sales and to give good and sufficient deeds and/or bills of sale therefore, in fee simple, as I could do if living. My Executrix or Substitute Executors is/are authorized and empowered to engage in any business in which I may be engaged at my death, for such period of time after my death as seems expedient to said Executrix or Substitute Executors. 4. I give, devise and bequeath all of my estate of whatever nature and wherever situate as follows: a One-Fourth (1/4) to my son, MICHAEL D. HENRY, and if he not living, to his children, share and share alike; b. One-Fourth (1 /4) to my son, RANDY J. HENRY, and if he is not living, to his children, share and share alike; and c. One-Half (1/2) to my daughter, KATHY E. LINE, and if she is not living, to her children, share and share alike. 5. I hereby direct that KATHY E. LINE and HARRY E. LINE shall be the Guardians of my son, ANDREW F. HENRY. 6. If ANDREW F. HENRY is not living at the time of my death, all of my estate shall be divided between MICHAEL D. HENRY, RANDY J. HENRY and KATHY E. LINE, share and share alike. 7. I nominate and appoint KATHY E. LINE to be the Executrix of this my Last Will and Testament. In the event she has predeceased me, failed to qualify or is not able or does not serve for whatever reason, I then appoint MICHAEL D. HENRY and RANDY J. HENRY to be the Substitute Executors of this my Last Will and Testament, whereby the said Substitute Executors shall have the same powers as are given to the original Executrix hereunder. 2 ___ 8. No person(s) shall benefit hereunder unless such beneficiary shall su-vive me by sixty (60) days. 9. No Executrix or Substitute Executor acting hereunder shall be required to post bond or enter security in this or any other jurisdiction. 10. No beneficiary may assign, anticipate or pledge his or her interest in any income or principal held or distributable hereunder, and no beneficiary's creditors may levy, attach or otherwise reach any such interest. 11. I hereby suggest that my personal representative retain the services of Irwin & McKnight as attorneys in the settlement of my estate. IN WITNESS WHEREOF, I have hereunto set my hand and seal this •'~ ~ day of May, 2007. (SEAL) YCE L. Y Signed, sealed, published and declared by the above-named Testatrix as and for her Last Will and Testament, in our presence, who, at her request, in her presence and in the presence of each other have hereunto set our names as subscribing witnesses. 3 ACKNOWLEDGMENT AND AFFIDAVIT WE, JOYCE L. HENRY, KAREN S. NOEL and SHARON L. SCHWALM, the Testatrix and witnesses respectively, whose names are signed to the foregoing instrument, being first duly sworn, do hereby declare to the undersigned authority that the Testatrix signed and executed the inst<ument as her Last Will and that she had signed willingly, and that she executed it as her free and voluntary act for the purpose herein expressed, and that each of the witnesses, in the presence and hearing of the Testatrix, signed the Will as a witness and that to the best of their knowledge the Testatrix was, at that tune, eighteen years of age or older, of sound mind and under no constraint or undue influence. " SHARON L. SCHWALM COMMONWEALTH OF PENNSYLVANIA SS: COUNTY OF CUMBERLAND Subscribed, sworn to and acknowledged before me by JOYCE L. HENRY, the Testatrix herein, and subscribed and sworn to before me by KAREN S. NOEL and SHARON L. 5CHWALM, witnesses, this i8 ~ day of May, 2007. ~• Nakary Pnblic ~ a. iMan. rrorery wain Carlisle Bao, Curry County b Comrr~On ~Pires Oct 3.2008 er, Pennsylvania Aasociatian Ot Note tpmre + Computershare , ~ ~ IMPORTANT TAX RETURN PO Box 43076 Providence, RI 02940-3078 DOCUMENT ENCLOSED Telephone: 666-761-1366 s www.ctxnputarshare.com ^ 312002 111111'11111'1'1'IIIIIli6161~11111altlllpldll~lllpllurl1111 Recipient for a change of address please call the above number or vbit us at JOYCE L HENRY vrww.cornpulershare.com ~ 100 FLINTSTONE DR HolderAccawttNumber s NEWVILLE PA 17241-9 700 00003091163. I N D I~~~~~~~~ ~~ Record Data 1o Nov 2ot1 Check Number 0002470&45 OOIC80085.DObe.NG_PGI PFG.143149 17r3 120 0213 1 20W/i Prirrci pai finanicial 6r~trp , I~tc: -2011 Gommain Stolck Qivitl~nd __ ^ (~ Fenn 1099 - DN - Dhridends and Distributions 2011 COPY B -For Redpient Thb b M1goA~M tax IMorngtlart and N tttlkrp ttatAelyd b the I11bnW Retaawa Banta. Kyau an nqu4ad p Sb a span, a twyNpnla pamlgr or etllpsanWotl my M imposed an you M thb htcanta b talubla and tlla IRB tbbrmktaa that k tug not bean lapatad. Racipbnt JOYCE L HENRY 100 FLINTSTONE DR NEVWILLE PA 17241-9700 Awbnnt Number 0000~07'N03 Redpietd's ro No. ending in '°'-'~~734 Payers FederallD Na 42.1520340 OMB No. 1543-0110 Deperoront tithe Reeetey- 8eamal Reranue BnWOa to Total OFdI tb QualHied 4 FEDERAL INCOIAE Dividend8 ($ry Dividends (;) TAX YY-rNHELD (4) PSyer'S DStaIIS 91.70 91.70 25.66 PRINCIPAL FINANCW. GROUP INC. GO COMPUTERSHARE PO BOX 43010 - _ PROVIDENCE RI 02040.3010 Form 1099-DN Vlsft 1+rww.principal.com-dhridend or ca11800-521-1502 for more information about this dividend. Confirmation of Holdings as of 11/10/2011 Payment Date Class of Stock Record Date Dividend Grose Deduction Deduction Net Shares I Rate I Dividend (;) Amoutn (;) Type ( Dividend (;) D2 Dec 2011 COMMON 131 x0.70 91.70 25.68 Fed Backup Wlft Tax 66.02 46UTX P F G 'I" 011 PF70001 OOeJ3A-PP-(FPFG) _.. _ _. rrt_T n?,sroncat rnces ~ rrmc>.pat t'mancial liroup lnc L Jtock -Yahoo! ruiance Yage 1 0> 1 ' Hi, Karen Sign Out Help Preview Meil wl YI Toolbar ~ Mail My Vi Yahoos Search Wab HOME INVESTING NEWS PERSONAL FINANCE MY PORTFOLIOS EXCLUSIVES FANTASY FINANCE Get Quotes Tue, May a, 2012, 12:47pm EDT - US Markers close in 3 firs antl 13 nuns __ Dow 11.28°k Nasdaq 31.53°k _ . -- -- -- _---_ -- ~_---- --~ E~TRADE' ~ la ~+~ OPEN AN ACCOUM anger x°vaaas u< OPEN O PFG PrinCcipalQFinancial Group Inc. (PFG)- NYSE ~ -_ Atld to PorNolio ~ Like ~ 14 25.58 ~ 0.~8 ~~ .84%~ +2:48PM EDT -i-r Historical Prices Get Hlatorksl Prkes+or: ~_~ Go Set Dat. Range ® Daily Sdrt Date: Au 17 010 E9. Jen 1,2010 O Weekly End Dsla: Au 17 010 O Monthly O D'Nidenda Only Get Prices Prlees Date Open Aug 17, 2010 23.00 High Low Close 23.14 22.92 23.01 ' Close price adjusted for 3vidrxWS aM epata. rtl`DOwnload to Spreadsheet Currency in USD. First ~ Previous ~ NeM ~ Last Volume Adj Gbse• 4,469,400 21.78 First ~ Prevous ~ Next ~ Last ~e^~Jeaic<la ~'f~'~n~S 4~ri)Pl~a,. Z ..: iii ~k1~9+ c]il h~J e r. , ,1,.,...~ ,I('iadisu:ls C;: 'd ri :i J'(i ktm MyPemyStodcs i you can save yrxrradf the trouble of rmearcaitg slacks for holm on end. we've tlonefhereaeefebforyou! Ttis la our pesmon, our YvNihood and what we do beef. We s18y camepe0 24 hours a day M lee BrorrJal (nduatly to ensure that rre can keep our readers up•tadale end provide retevaranims elm ukks for today's matlw. Get YuX 10D% FREE M~PenrfyStocks Newsletter toda'l Copyrpht ®2012 Yanool Inc. All rgMS rawrved. Pmecy Polity - About Our has -Terms °t Service - CopyngnUlP Poly -Send Feedback - VahoO! -ABC News Natal Ork Ouaea for NYSE, Narstlaq antl NYStJlmex arc Real-time and sourcetl trom Nastlaq Last Sala when available. If not available frpm NLS, quotes wiN appear tlelayed from primary fisting source See also daVay times for other ezcnanges. Quotes antl other inlofmakon supplietl by indepentlent provitlers itlemifiatl on the Vahoo~ Finance partner page.0uotes are updaletl auloma0cally, but win be tumetl og aner 25 minutes of inactivity. Ouotes are tleleyetl at leas) 15 minutes. All information provitletl "as is" for informational purposes only, not intendetl for tratling purposes or atlvke. hleAhar Yanool nor any of indeprxrtlent providers is IiaDle for any in(ormationaV errors, inrAmpiateness. or deYays, or for any acuons taken in reliance on mfortnation conlainetl nerein. By accessing the Vanooi site, you agree not to retlisinbNe the information found therein. Furrtlamental company oars provitletl by Capital ID. Historical chart tlata antl daily updates provitletl by Commodity Systems, Inc. (CSp International histoncal chart tlata, tlaily uptlates. fund summary, fund pertonnance. tliwtlerM tlata antl Mommgstar IMex tlala provitletl by Morningstar, Inc. http://finance.yahoo.com/q/hp?s=PFG&a=07&b=178tc=2010&d=07&e=17&2010&g=d 5/8/2012 Lincoln Financial Group May 3, 2012 ROGER B IRWIN IRWIN & MCKNIGHT, P.C. 60 WEST POMFRET STREET CARLISLE PA 17103-3222 PO Box 7880 Fort Wayne, IN 46801-7880 RECEIVED MAY 0 5 2012 IRWIN & McKrHGHT LAW OFFICES RE: Joyce L. Henry The Lincoln National Life Insurance Company Contract/PolicyNnmber 0007566851 Claim Number 740069 Dear Mr. Irwin: We are pleased to advise that payment of benefits has been processed. In response to your letter dated April 24, 2012, the value as of the date of death August 17, 2010 was $25,076.39. The contract was owned by the deceased, Joyce L. Henry. It was established January 23, 1995. Thank you for the opportunity to be of service. if you have any questions, please contact us in writing or call toll free (800) 454-6265, ext. *8200. Sincerely, Karen H Brown Claims Examiner Greensboro Claims Department