You are given the following situations:

I. 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

II. 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

III. 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

IV. 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