5-year term insurance issued to person aged 45 $1,000 death benefit payable immediately $80 annual premium payable continuously expenses are $60 at issue plus $15 at each yr-end ie at times 1, 2, 3, 4, 5 i = 0.075 force of mortality = .01 +.0001 * 1.125* Determine the following expectations (any way you can, but be accurate to within 1%) E(PV claims) E(PV expenses) E(PV premiums) E(PV loss to insurance company)