W 3. Use the following Table to calculate the minimum premium an insurance company should charge for a $100,000 two-year term life insurance policy issued to a man age 40. Assume that the premium is paid at the beginning of each year and that the interest rate is 4%. Age Female Probability of Death within 1 Year Survival Probability 40 0.002092 0.95908 41 0.002240 0.95708 0.002418 0.95493 42