For a special fully discrete life insurance on (45), (i) The benefit is 1000 if death occurs before age 65, 500 otherwise. (ii) Premiums are payable at the beginning of the first 20 years only. (iii) i = 0.05 (iv) A45 = 0.2 (v) 20E45= 0.3 (vi) 45:20 = 12.6 Determine the annual net premium. (A) 11.24 (B) 11.90 (C) 13.05 (D) 13.16 (E) 15.87