35. Susan bought an installment refund life annuity for $100,000 under which she received an annual periodic payment of $10,000. At the time she bought the annuity, her life expectancy was 15 years, but she lived for 30 years. What, if anything, is payable to her beneficiary at her death? a. $100,000 b. $10,000 c. $25,000 d. $0