A whole-life policy issued at age x, with level annual premiums paid for life, provides for a death benefit paid at the moment of death. The expenses are as follows: in the first year, 70% of the initial premium, 1% of the face amount, and 30 per policy; in years 2 to 10, 10% of each premium, 0.5% of the face amount, and 10 per policy; after 10 years, 5% of each premium, 0.2% of the face amount and 5 per policy; the settlement expense is 100 per policy plus 0.5% of the face amount. Assume that the expenses in any year are paid at the beginning of the year.
Find a formula to compute the annual expense-augmented premium for a policy with a constant death benefit of 200000.