Christina is planning on buying an insurance policy that will pay for $165,500 a year for 25 -years, with the first payment occurring in 15 years, if she is still alive, otherwise the policy will payout a lump sum to her heirs at the end of year 14 . The rate of return on the policy is8.25 percent? What is the value of the lump payout? If Christina purchases the policy, what is the maximum she is willing to pay