An insurance company sells a one-year term life insurance policy to an 80-year-old woman. The woman pays a premium of \($1000.\) If she dies within one year, the company will pay \($20,000\) to her beneficiary. According to the U.S. Centers for Disease Control and Prevention, the probability that an 80-year-old woman will be alive one year later is 0.9516. Let X be the profit made by the insurance company. Find the probability distribution and the expected value of the profit.