7-5 A 40-year-old home buyer takes out a 25-year mortgage of 100,000 at interest rate 5%, and purchases a 25-year decreasing term insurance contract with a death benefit that will exactly pay off the mortgage at the end of the year of death of the borrower. Calculate the net level annual premium for the term insurance, given the following values: 440:251 = 14 25 P40 = .80