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For a fully discrete whole life insurance of 1,000 on (x), you are given: The following expenses are incurred at the beginning of each year: Year 1 Year 2+ Percent of premium 75% 10% Maintenance expenses 10 2 . An additional expense of 20 is paid when the death benefit is paid. . 1 = 0.06 . The gross premium is determined using the equivalence principle. . a, = 12.0 HA, = 0.14 . L is the loss at issue random variable. Calculate Var(L)