An insurance company offers a $120,000 term life policy lasting 2 years to a man of average health aged 50. To value the policy, the company has four conditions: (1) the yearly interest or discount rate is 4%, (2) the compounding or discounting is done every 6 months, (3) the premium is made once at the start of a year, and (4) the payout occurs at the end of a year. What is the companys break-even yearly premium?