Karen has a universal life (UL) policy with yearly renewable term (YRT). Her policy has a death benefit of $250,000 and an investment account value of $50,000. In the current year, Karen's cost of insurance (COI) is $15.20.Based on this information, which of the following would be the amount of the mortality deduction that the insurance company would draw from Karen's investment account in the current year?

a)$760

b)$3,040

c)$3,800

d)$4,560