Antonio died a short time ago leaving behind his wife Maria. At the time of his death Antonio had a $50,000 whole life insurance policy with a $12,000CSV, payable to Maria. There was a $6,000 loan outstanding against the poolicy at Antonio's death. plus $200 in unpaid loan interest for the year. In processing the death claim the insurance company discovered that Antonio's insurance age had been miscalculated by one year at time of application. He was underwritten as being age 41, with a premium of $3.10 per $1,000 of coverage but should have been paying $3.25 per $1,000