This mathematics problem involves applying core mathematical principles and formulas. Below you will find a complete step-by-step solution with detailed explanations for each step, helping you understand not just the answer but the method behind it.

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I cannot answer Question 13 due to insufficient information. The question asks for specific premium charges related to a premium waiver, but the necessary product documentation, rate sheets, or policy terms are not provided in the image. The options present different sets of charges, but there is no context to determine which set is correct.
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I cannot answer Question 13 due to insufficient information. The question asks for specific premium charges related to a premium waiver, but the necessary product documentation, rate sheets, or policy terms are not provided in the image.
This mathematics problem involves applying core mathematical principles and formulas. Below you will find a complete step-by-step solution with detailed explanations for each step, helping you understand not just the answer but the method behind it.