2 insurance companies gave the following quotations on premiums for essentially the same long term disability insurance coverage for a 25 year old. company a quoted monthly premiums of $54.83 from ages 26 - 30 inclusive, and $78.17 from ages 31 - 64 inclusive. The monthly premiums from company b are "flat" at 69.35 from ages 26 - 64 inclusive. All premiums are paid at the beginning of each month. The insurance broker recommended company b because the aggregate lifetime premiums up to the clients 65th birthday are $32,455.80 versus $35,183.16 for company a.

Calculate and compare the economic value on the clients 26th birthday of each policys stream of premiums assuming money can earn 9% compounded monthly.