42. Gina purchased an indexed life insurance policy several years ago and wants to withdraw funds from its cash value. The cash value is $50,000, and her total premiums were $45,000. Assuming she withdraws $8,000 and the policy is not a modified endowment contract, how much, if any, of the withdrawal must she include in her income for tax purposes? a. $0 b. $3,000 c. $5,000 Od. $8,000