Assume that the interest rates for all maturities are 4% and premium are paid once a year. What is an insurance company's break-even premium for $100,000 of term life insurance for a man of average health aged 90 if the probability of death in a current year is .1811789 and .199019?

Supposed next that the term insurance last 2 years?

Assuming that this happens at 18 months?