Obtain a life insurance quotation online, using the website www.eterm.com. Fill in information about you (or a family member or friend) and obtain a quotation for a $1 million life insurance policy. What are the monthly and annual premiums for the various term lengths? Next, leaving all other information unchanged, change your gender. Are the premiums the same or different? Do you think insurance premiums are higher or lower for insurance companies operating entirely through the Internet?