Use an Internet quote service and obtain life insurance premium quotes for $100,000 of term, whole life, and universal life insurance. Base your request on your own age, gender, and health characteristics (e.g., nonsmoker). How would the costs change if your health characteristics changed (e.g., smoker or non­smoker)? What if you waited 10 years? How do your characteristics or the pro­jected changes relate to the concept of risk pooling? Prepare a one-page report of your findings.