An insurer prices disability income insurance using the sicknessdeath model. A 10-year policy issued to (50) provides an income of 35,000 payable continuously while sick, and a death benefit of 200,000 immediately on death (from either live states). Premiums are payable continuously at a level rate while the policyholder is healthy. The insurer uses the Standard SicknessDeath Model, with interest at 5% per year.

Calculate the annual net premium.

Calculate the state-dependent net premium policy values at time 9.