18. Alexia, who is 35 years oid, fakes out individual disability invurance, She has a return of premium nider odded. The riser ststes that, whien her belicy expires at age 65 , the insurer will refund her 75% of all the premiums she has paid lens any disability benefits she received, The total annual peeriuam for this policy is $2,000. Over the years, Alexia receives $12,000 in benefits for varions ahort periods of disability. At age s5, she deciains vo cancel tier polity since her work situation has changed significantly. How much will Alexia receive under her return of premlum rider? $30,000 $21,000. $18,000 Nothing, nince she cancelled her policy before the matirity date and has received benefits under it