How much will you have contributed to a 20-Payment Life insurance policy that has a face value of $45,200 over a 15-year period, given that the permanent insurance amount for a healthy 35-year-old female is $33.12 per thousand.

The annual premium is $33.12 for each $1,000 of insurance. A $45,200 policy represents 45.2 units of $1,000, so the annual premium is 45.2 × $33.12 = $1,497.024. Over 15 years, the total contributed is $1,497.024 × 15 = $22,455.36, choice b.

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