18. T.J. bought fire insurance for his pizza shop for $200,000 at an annual rate per $100 of $.49. At the end of 10 months, T.J. canceled the policy since his pizza shop went out of business. Using the tables found in the textbook, determine the refund to T.J. A. $186.20 B. $127.40 End of exam C. $980 D. $852.60

19. 9.1% of a circle graph represents A. 45. B. 37.26. C. 32.76. D. 42.

20. In terms of premium cost, the most expensive type of insurance is _______ insurance. A. 20-year endowment B. term C. 20-payment life D. straight-life