I need help on questions 12 and 13 please!

12. Ten years ago, John purchased a deferred annuity and named his daughter, Suzanne, as beneficiary. Over the years, John invested $50,000 in the contract; upon his death, the contract was valued at $118,000. Assuming that John died without annuitizing and the contract contained the standard death benefit provision, how much will Suzanne receive? a. $50,000 b. $68,000 c. $118,000 d. $57,000 13. All of the following are conditions for which an annuity carrier commonly waives the charge for early contract surrenders EXCEPT: a financial hardship b. death c. entry into a nursing home d. disability