Question 8 0 out of 1.5 points Zack was the beneficiary of a life insurance policy on his deceased wife. Zack had paid $20,000 in premiums on the policy. He collected $50,000 on the policy when his wife died from a terminal illness. Zack must include $30,000 in his gross income. Question 9 0 out of 1.5 points Julie's employer contributed $2,000 to her health savings account (HSA), and the account earned $100 in interest during the year. Julie withdrew $1,200 to pay medical expenses during the year. Julie is not required to recognize any gross income from the HSA for the year.