Suppose you are 35 and have a $90,000 face amount, 15-year, limited-payment, participating policy (dividends will be used to build up the cash value of the policy).Your annual premium is $810.The cash value of the policy is expected to be $3,600 in 15 years.Using time value of money and assuming you could invest your money elsewhere at an annual yield of 8 percent, calculate the net cost of insurance. UseExhibit 1-B.(Do not round intermediate calculations. Round time value factor to 3 decimal places and final answer to the nearest whole number.)

Net cost of insurance: