A 53-year old woman paid a yearly premium of $387.00 for a life insurance policy. If she dies within the next year, the life insurance company will pay the death benefit of $100,000 to her beneficiary. If she lives throughout the year, she receives nothing from the company. An actuarial life table from the Social Security Administration website indicates that the probability of a random 53-year old female dying within the next year is 0.003852 . What is the expected value for the woman's life insurance policy