TIA Lesson D32 Question

ETA: James, I hope you don't mind me putting one of your paid-for questions on the AO. If this is a problem, let me know and it won't happen again.


Here's the question.

I did it close to right, where my final equation was:

18.57k = 10000 (1.04)^(-death) where I couldn't find the death variable, and got stuck.

However, the answer is:
18.57k = 10000


So, my question is... how do I know that the lump sum payment is paid at t=0 instead of t=death?

Is this just universal terminology that I need to memorize? It just seems weird to me that the lump sum is paid before the guy dies instead of right at this death.

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TIA Lesson D32 Question