For a fully discrete whole life insurance on (35), you are given: (i) The benefit is 250,000 in the first 30 years and 125,000 thereafter. (ii) Level gross premiums of 1,000 are payable annually for the first 30 years. (iii) Per policy expenses are 550 in the first year and 25 in all other years. (iv) Commissions are 5% of premiums. (v) Mortality follows the Standard Ultimate Life Table. (vi) i=0.05 Calculate the gross premium policy value at the end of the 20th year. 24,505 24,698 24,891 25,084 25,277