You are given the following situations:

1. A person aged 45 purchases a 10-year deferred, 20-year term insurance policy, calculated using the 2017 CSO table and i = 4.5%, with death benefit R_I
2. The same person in (I) purchases a 30-year term insurance policy, calculated using the 2017 CSO table and i = 4.5%, with death benefit R_II
3. A person aged 30 purchases a 30-year endowment insurance policy, calculated using the 2017 CSO table and i = 4.5%, with face amount R _III
4. The same person in (III) purchases a 30-year term insurance policy, calculated using the 2017 CSO table and i = 4.5%, with death benefit R _IV

Assuming the net single premium(NSP) for all of the policies given above is $200,000, which of the following statements is true?

• A.

  R_I > R_II and R_III > R_IV

• B.

  R_I < R_II and R_III > R_IV

• C.

  R_I > R_II and R_III < R_IV

• D.

  R_I < R_II and R_III < R_IV