A 5 year endowment assurance contract provides a death benefit of 15,000 at the end of the policy year of death within the 5 year term or else a maturity benefit of 20000 at the end of the 5 year term. The contract is purchased by level premiums payable annually in advance for as long as the contract remains. Calculate the annual net premium if the death probability is qx=0.06 for t=0,1,2,3,4 and the interest rate is i= 0.05. Do this by hand and also by using r code