Richard has individual health insurance with a $2,500 calendar year deductible, 20% coinsurance and 53,000 stop loss. He has outpatient surgery, and the total surgeon's bill is $16,000. Richard 60. has not incurred any other medical expenses during the current calendar year. Including the deductible, what amount must Richard pay out of pocket for the surgeon's bill? (a) $3,000 (b $5,200 (c) $5,500 (d) $5,700 61. The life insurance interest adjusted cost indexes includes all of the following factors except: (a) 5% interest rate (b) annuity due factor to convert from aggregate to annual cost (c) projected dividends and/ or cash values (d) guaranteed future dividends (e) Uniform time periods such as 10 years, 20 years and age 65 62. Which Life Insurance Cost Index includes the cash value? (a) Net payment cost (b) Surrender cost (c) Adjusted premium cost (d) Net premium cost