Suppose you are $47$ and have a $$150,000$ face amount, $13-$year, limited payment, participating policy $($dividends will be used to build up the cash value of the policy$).$ Your annual premium is $$525.$ The cash value of the policy is expected to be $$6,000$ in $13$ years. Using time value of money and assuming you could invest your money elsewhere for a $6$ percent annual yield, calculate the net cost of insurance. Use $($Exhibit $1-$A$.$ Exhibit $1-$B$,$ Exhibit $1-$C$,$ Exhibit $1-$D$)$

Note: Use appropriate factor$($s$)$ from the tables provided. Do not round intermediate calculations. Round time value foctor to $3$ decimal places and final answer to the nearest whole number.

Net cost of insurance