For a special decreasing 15-year term life insurance on a person age 28, you are given: Mortality follows DeMoivre's law with w = 103. - The benefit payment is 10,000 for the first 10 years and 5,000 for the last 5 years. The death benefit is payable at the end of the year of death. v = 0.92 Calculate the level annual premium for this insurance