Your aunt Christina is 34 and she owns $200,000 whole life insurance for which she pays $1.70/thousand of coverage per year. This policy is cancellable and she will get $1,500 cash surrender value. She wants to switch to term insurance for which the 10 and 20 year term numbers are 132.50 and 217.50. How much term insurance can she buy for the same premium and what other factors should she consider before the switch?