Kathleen Osness, aged 37, a massage therapist, decided to take out a limited-payment life policy. She chose this since she expects her income to decline in future years. Kathleen decided to take out a 20-year payment life policy with a coverage amount of $82,000. (Use Table 201 and Table 20.2.) (for females subtract 3 years when using Table 20.1.) a. Calculate her annual premium. Note: Round your answer to the nearest cent. b. If she decides to stop paying premiums after 10 years, what will be her cash value? Note: Enter your answer as a whole number. Life insurance rates for males (for fernales, subtract 3 years from the age. Non-binary individuals currently need to apply as male or fermale.) Nonforfeiture options based on $1,000 face value Option 1: Cash value $200,000+$1,000=200$148=$29,600 Option 2: Reduced paid-up insurance $200,000+$1,000=200$371=$74,200 Option 3: Extended term insurance Bob could continue this $200,000 policy for 20 years and 165 days