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3. Let 21 denote the present value of a 10-year term insurance benet issued to a life aged 45. Let 22 denote the present value of a whole life insurance benefit issued to the same life. Use the Standard Ultimate Life Table for the following. (a) If the benefits are paid at the end of the year of death, find the covariance of 21 and 22. (b) If the benefit is payable immediately after death, nd the expected value of 21 under the assumption of UDD