Please use the following information to answer questions 12 to 14. Winston meets with Wilkin, his financial advisor, to discuss the purchase of life insurance. They settle on a $250,000 policy. Wilkin tells Winston that the annual premium would be $1,200. Winston wants to know how that premium is arrived at. 12. Which of the following would determine the premium that Winston will be charged? 1 Rate per thousand of coverage. 2 Policy fee. 3 Advisor's (i.e., Wilkin's) rate per thousand of commission. (A) 1 only. (B) 2 only. (C) 3 only. (D) 1 and 2 only