Individuals belonging to a certain population have future lifetimes defined according to the following probability distribution function: FX(t) =1-e-(0.7-t)2 A two-year term insurance pays 100000 at the end of year of death. If i = 0.045, calculate the expected present value of this insurance. (Two year term insurance means that it will pay if the individual dies within two years, but will not pay anything otherwise)