Use the given table. Cindy started a whole$-$life insurance policy for $$250,000$ when she was $23$ years old. At age $50,$ the policy has a cash value of $$12,402$ and Cindy converts the policy to extended term insurance for the same face value. Use $20-$year level term rates to estimate the number of years of extended term insurance she has. Use a non$-$tobacco rate.

Click the icon to view the data table.

Cindy has $$ years of extended term insurance.

$($Do not round

Data table

$\backslash$table$[[10-$Year Level Term,,,,,,,,,,$],[$Male$,$Female,$20-$Year Level Term$],[$Age$,$Male,Male,Female,,,,,,,,$],[,$PREF,NT$,$T$,$PREF,NT$,$T$,,$PREF,NT$,$T$,$PREF,NT$,$T$,,,,],[20,0\mathrm{.}87,1\mathrm{.}27,2\mathrm{.}28,0\mathrm{.}75,1\mathrm{.}10,1\mathrm{.}88,20,1\mathrm{.}09,1\mathrm{.}50,2\mathrm{.}86,0\mathrm{.}91,1\mathrm{.}31,2\mathrm{.}56,,,,],[25,0\mathrm{.}87,1\mathrm{.}27,2\mathrm{.}28,0\mathrm{.}75,1\mathrm{.}10,1\mathrm{.}88,25,1\mathrm{.}09,1\mathrm{.}50,2\mathrm{.}86,0\mathrm{.}91,1\mathrm{.}31,2\mathrm{.}56,,,,],[30,0\mathrm{.}87,1\mathrm{.}36,2\mathrm{.}49,0\mathrm{.}75,1\mathrm{.}16,2\mathrm{.}06,30,1\mathrm{.}12,1\mathrm{.}61,3\mathrm{.}24,0\mathrm{.}96,1\mathrm{.}42,2\mathrm{.}67,,,,],[35,0\mathrm{.}87,1\mathrm{.}44,2\mathrm{.}73,0\mathrm{.}75,1\mathrm{.}26,2\mathrm{.}23,35,1\mathrm{.}17,1\mathrm{.}73,3\mathrm{.}62,1\mathrm{.}02,1\mathrm{.}53,2\mathrm{.}78,,,,],[40,1\mathrm{.}13,1\mathrm{.}96,3\mathrm{.}78,1\mathrm{.}00,1\mathrm{.}57,2\mathrm{.}93,40,1\mathrm{.}49,2\mathrm{.}36,5\mathrm{.}38,1\mathrm{.}26,2\mathrm{.}00,3\mathrm{.}77,,,,],[45,1\mathrm{.}51,2\mathrm{.}69,5\mathrm{.}33,1\mathrm{.}38,2\mathrm{.}12,4\mathrm{.}08,45,2\mathrm{.}23,3\mathrm{.}73,8\mathrm{.}42,1\mathrm{.}75,2\mathrm{.}92,5\mathrm{.}57,,,,],[50,2\mathrm{.}03,3\mathrm{.}76,8\mathrm{.}08,1\mathrm{.}72,2\mathrm{.}98,5\mathrm{.}78,50,3\mathrm{.}45,5\mathrm{.}99,12\mathrm{.}90,2\mathrm{.}59,4\mathrm{.}40,8\mathrm{.}02,,,,],[55,2\mathrm{.}95,5\mathrm{.}61,12\mathrm{.}48,2\mathrm{.}27,4\mathrm{.}44,8\mathrm{.}33,55,5\mathrm{.}38,9\mathrm{.}52,19\mathrm{.}15,3\mathrm{.}96,6\mathrm{.}66,11\mathrm{.}45,,,,],[60,4\mathrm{.}61,9\mathrm{.}07,20\mathrm{.}07,3\mathrm{.}46,6\mathrm{.}95,12\mathrm{.}57,60,8\mathrm{.}46,15\mathrm{.}15,29\mathrm{.}14,6\mathrm{.}17,10\mathrm{.}36,16\mathrm{.}74,,,,]]$

$\backslash$table$[[$Whole Life,Universal Life$],[$Age$,$Male,Female,Age,Male,Female$],[,\backslash$table$[[$PREF$]],$NT$,T,$PREF,NT$,T,,$PREF,NT$,T,$REF,NT$,T$