(PE-1112) A\&S Loma bought an LTC policy when she tumed 45 years old. The annual premium was $1,800 plus an additional $250 for the ROP rider. The ROP provided a 25% refund of total premiums paid if the policy was surrendered or expired after 10 years provided no claims were made during the life of the policy. Lorna died suddenly at the age of 57 . How much can her estate expect to receive? Possible Answers: $6,150 $5,400 $5,125 The face value of coverage