Mo. Rev. Stat. § 442.550: Examples.

Suppose a person whose age is forty-two is tenant for life in the whole of an estate worth ten thousand five hundred dollars; the annual interest on that sum at six percent is six hundred and thirty dollars. The present value of an annuity of one dollar at the age of forty-two, as appears by the table, is eleven dollars and seventy-seven cents and nine mills, which multiplied by six hundred and thirty dollars, gives seven thousand four hundred and twenty dollars and seventy-seven cents as the gross value of such life estate in the premises, or the proceeds thereof. Again suppose a widow whose age is thirty-six is entitled to dower in real estate worth twelve thousand dollars; interest on four thousand dollars, the third part thereof, for one year, is two hundred and forty dollars, which, multiplied by twelve dollars and forty-six cents and five mills, the present value of annuity of one dollar at the age of thirty-six, as appears by the table, gives two thousand nine hundred and ninety-one dollars and sixty cents, as the gross value of such dower.