B's policy had a $1,000 annual premium. B has not paid it for 2 years and wants to put the policy back in force. The insurer charges 10% interest on overdue premiums. What does B have to pay in order to reinstate their policy?
1) One month's premium, plus a reinstatement fee specified in the policy
2) 2 years of premiums, plus interest due on overdue premiums amounts
3) 2 years of premiums
4) 2 years of premiums, a reinstatement fee, and interest