What is the EMV for Option 1 in the following decision table? 
Definitions:
Universal Life
It's a flexible premium, adjustable life insurance product where the excess of premium payments above the current cost of insurance is credited to the cash value of the policy.
Fixed Death Benefit
Fixed Death Benefit is a guaranteed amount paid to the beneficiaries of a life insurance policy when the insured person passes away.
Variable Life
A type of lifelong insurance policy where both the cash value and the death benefit fluctuate according to the results of investments selected by the person holding the policy.
Investment Alternatives
Various options available to investors for putting their money, including stocks, bonds, real estate, or commodities.
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