If a person age 25 can buy a $100000 life paid up at age 65 insurance policies for $1200 per year: a) what is the rate of return if the cash value at age 65 is $167591? b) what is the rate of return, if the person purchases a $150000 life paid up at age 65 policy at a cost of $1650 per year beginning at age 25 and the cash values at age 65 are $237,400?