Textbook answer to the problem is $56,270, but I can't figure out how to get to there.

Exercise 4.13 An insurer issues a whole life policy to a life aged 80 , under which a benefit of $10000 is payable immediately on death during the first year, and $100000 is payable immediately on death during any subsequent year. Because the underwriting on the insurance is light, the insurer expects the mortality rate during the first year to be double the rate from the Standard Ultimate Life Table. After the first year, mortality is assumed to follow the Standard Ultimate Life Table with no adjustment. Calculate the EPV of the benefit, using an interest rate of 5% per year effective. Assume UDD between integer ages. Exercise 4.13 An insurer issues a whole life policy to a life aged 80 , under which a benefit of $10000 is payable immediately on death during the first year, and $100000 is payable immediately on death during any subsequent year. Because the underwriting on the insurance is light, the insurer expects the mortality rate during the first year to be double the rate from the Standard Ultimate Life Table. After the first year, mortality is assumed to follow the Standard Ultimate Life Table with no adjustment. Calculate the EPV of the benefit, using an interest rate of 5% per year effective. Assume UDD between integer ages