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Help with how to solve the question: A man has a 0.218% chance of passing away during the next year. An insurance company charges $430

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A man has a 0.218% chance of passing away during the next year. An insurance company charges $430 for a life insurance policy that pays a $130,000 death benefit. What is the expected value for the person buying the insurance?

Round your answer to the nearest cent, but do not include a $ sign or the word "dollars" in your response.

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