4. Ms. Johnson is 40 years old but appears much younger. She has applied for a life insurance policy that has a premium of $25 per $1,000 for age 40 and $15 per $1,000 for age 35. On the application, Ms. Johnson states her age as 35 and purchases a $20,000 life insurance policy, issued for someone of that age. She dies unexpectedly 1 year later at her actual age of 41. Calculate the death benefit that will be paid to Ms. Johnson's beneficiary assuming the insurance company discovers the misstatement of age on the application. A. $0 B. $10,000 C. $12,000 D. $20.000