If you remain healthy, you expect to earn an income

If you remain healthy, you expect to earn an income of $100,000. If, by contrast, you become disabled, you will only be able to work part time, and your average income will drop to $20,000. Suppose that you believe that there is a 5 percent chance that you could become disabled. Furthermore, your utility function is U = √ I. What is the most that you would be willing to pay for an insurance policy that fully insures you in the event that you are disabled?