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3. A special endowment contract issued to (25) pays a pure endowment of 150,000 for survival to age 65, and a refund of all gross annual premiums paid, with interest, at the end of the year of failure, for failure before age 65. The gross annual premium is 1.2 times the net level annual premium. Calculate the net level annual premium, given the following values: P25:20 = 0.008, 40P25 = 0.8, i = 0.06