Herb purchase a 100,000 whole life insurance policy, with the benefit payable at the moment of death. The policy pays an additional 50,000 if death occurs during the first 5 years due to specified cause {a). Assuming 6 — .07, the force of decrement due to cause {a) is .005, and the force of decrement due to causes other than {a) is .045, find the net single premium for Herb's insurance.