You have been quoted a premium of $1420 per year for $102200 in term life insurance, with the premium fixed for 20 years, and a premium of $4725 per year for a permanent life insurance policy with an equivalent face value. If you decided to implement the "buy term insurance and invest the difference" strategy, how much will you accumulate after 20 years at a 6\% APY? $184241 $168216 \$128871 $148376