Don Garcia is 40 years old and has been given the number of his annual premiums based on the rate chart. Before making his final decision regarding his policy and payment plan, Don wants to know his dividends if he paid in installments throughout the year. Use the premium information provided to complete the chart.


For semiannual premiums, use 51% of the annual rate.
For quarterly premiums, use 26% of the annual rate.
For monthly premiums, use 9% of the annual rate.
For females, use the age of a male three years younger.