Lee has a $100,000 sife insurance policy, in which she paid annoal premiums of $6000 pertyear, including calendar year 2022 . On November 1, 2022, Lee transfers the rights to her policy to Kelly. At the time she transferred, the interpolated terminal reserve was $12,500 and cash surrender value was $15,000. What is the amount of the gift to Kelly? 58,500$13,500$112000315000