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For a monthly premium whole life insurance of 10,000 on (x), you are given the following information: (i) Benefits are payable at the end of the year of death. (ii) Initial expenses are 50% of the annual premium plus 50. (iii) Renewal expenses are 5% of the annual premium plus 4. (iv) All expenses are payable at the beginning of the year, as long as the policy is in force at that time, and are not refunded if the insured dies during the year. (v) Ax = 0.25 (vi) 9x-1 = 0.015 (vii) 9x = 0.018 (viii) d = 0.05 = Calculate the gross premium payable monthly using the equivalence principle and the first three terms of the Woolhouse's formula with approximate force of mortality