pls provide me solution for this.

After a round of golf, Ted (age 45) and Tracy (age 40) discuss life insurance and premiums. Ted smokes, but Tracy does not. During the conversation, they discover that they both have $100,000 in 10 -year renewable, convertible life insurance, but Ted pays $425 per year in premiums while Tracy pays only $211 per year. Ted is not pleased. He asks Tracy why her premiums are so much lower than his. Which of the following statement is FALSE? a) Ted should apply for a reduction in premiums because historically, men outlive women. b) Ted's premiums are higher than Tracy's because he is older than she is. c) Ted's premiums are higher than Tracy's because he is a male. d) Ted's premiums are higher than Tracy's because he smokes and she does not