(b) A 3-year term insurance policy issued to a life aged 40 pays 20,000 at the end of the year of death resulting from Decrement 1 and pays 40,000 at the end of the year of death results from Decrement 2. Let f (1,3) be the forward rate for a zero-coupon bond issued at time t and maturing at time 3. You are given the following information: 1 ,(2) 9. 400 41 1 422 dd (2) 10,000 500 300 9,200 510 320 8,370 520 330 f(1,3) 0.020 0.025 0.030 (i) Find q. and q for all ages. Leave your answer in four decimal places. (2 marks) (ii) Calculate, to the nearest integer, the benefit premium for this insurance policy. (8 marks)