Help, I keep getting this wrong.

Calculate the cash surrender value for Lee Chin, age 38, who purchased a $250,000 20-year endowment policy. At the end of year 15, Lee stopped paying premiums. (Use Table 20.2.)

Nonforfeiture options based on $1,000 face value Option 1: Cash value $200,000/$1,000=200$148=$29,600 Option 2: Reduced paid-up insurance $200,000/$1,000=200$371=$74,200 Option 3: Extended term insurance Bob could continue this $200,000 policy for 20 years and 165 days