Suppose you are 40 and have a $80,000 face amount, 10-year, limited-payment, participating policy (dividends will be used to bulld up the cash value of the policy). Your annual premium is $720. The cash value of the policy is expected to be $3,200 in 10 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 ploces and final onswer to the nearest whole number