I need clear and thorough explanation.

Anexploreragederactlyfhasjustmedeapmposaltoahfeofeeforawbelelifeamuranee with a Bum assured of 113,001] payable at the end of the year of death. For ll'i'BB accepted at normal rate. level annual premiums are payable until death under this policy. The explorer is about to undertake a heearduus expedition which will last three years. The life oioe estimates that during these three years the explorer will experience a constant addition of 0.02371 to the normal force of mortality, but after three years will experienoe normal mortality. The life orioe quotes a level extra premium payable for the rst three years. Calculate this level extra premium on the allrrwing basis: ura'mal mortality: AIQT-m ultimate interest: 3% per annum erperees: none An impaired life aged exactly 55 wishes to eii'ect a without prot endowment assurance for a sum assured of ELIIICI payable at the end of 11'.) years or at the end of the year of earlier death. Level annual premiums are payable throughout the term of the policy. Special terms are oered on the assumption that the life will experience mortality which can be represented by: {a} for the rst ve years? a. constant addition of {1309569 tn the normal force of mortality, and {b} for the remaining ve years. the mortality of a life 3 years older. The life ofce quotes a level extra premium payable throughout the term. Calculate this lerel extra premium. Basis: normal mortality: Alil'ii ultimate interest: 3% per annum expenses: none