CM1: Assignment X4-12

This question ask for EPV of annuity to male life +EPV of annuity to female life following death of male in first 5 years +EPV of annuity to female life where both survive to age 65
EPV of annuity to female life following death of male in first 5 years &EPV of annuity to female life where both survive to age 65 is based on"This annuity commences on the monthly payment date next following, or coincident with, the date of his death or from the 5th policy anniversary, if later, and is payable for the lifetime of his wife."
I can't understand logic of "This annuity commences on the monthly payment date next following, or coincident with, the date of his death" is expressed by "EPV of annuity to female life following death of male in first 5 years".
If male died within the first to fifth year, wouldn't it exclude money from then to 67 age?
EX: male died at end of 1st year, female should get adue(12):63 not adue(12):67.

 

Thank you for helping me break through my blind spots.
I ignored that guarantee for 5 years.
Because of the guarantee for 5 years, it don't need to calculate what I said.

Thank you very much.