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7. A 20-year endowment insurance with sum insured $100,000 is issued to a life aged 50. The sum insured is payable at the end of the year of death or on survival to the maturity date. Premiums are payable annually in advance until the policyholder reaches age 60. No premium is paid after age 60. Assume the following premium basis: (i) expenses of 5% of each gross premium including the first, (ii) interest is 5% per year, (iii) Standard Ultimate Survival Model. (a) Calculate the gross premium. (b) Calculate 2V, the policy value at the end of the second year, just before the third premium is due. (c) Calculate 15V, the policy value at the end of the fifteenth year