Cindy, who is close to 50 years old, has been lying about her age for many years. She purchased a 30-year term policy with a death benefit of $1,000,000 paying the level premium for a 30-year-old, which is $0.60 per $1,000 of coverage. Her total annual premium is $600. Unfortunately, she dies prematurely while hang gliding. Once the insurance company discovers her true age of almost 50, they will not pay