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| rev | Admin | (Created page with "'''Answer: C''' The earlier the death (before year 30), the larger the loss. Since we are looking for the <math>95^{\text {th }}</math> percentile of the present value of benefits random variable, we must find the time at which <math>5 \%</math> of the insureds have died. The present value of the death benefit for that insured is what is being asked for. <math display="block"> \begin{aligned} & l_{45}=99,033.9 \Rightarrow 0.95 l_{45}=94,082.2 \\ & l_{65}=94,579.7 \\ &...") | Jan 18'24 at 11:39 | +1,008 |