An insurance company sells a twenty-year term life insurance policy with a face value of $200,000 to a 45-year old woman. Her annual premium is
 $990. If the woman dies after paying premiums for six years, what is the insurance company's gain or loss?
 A. loss of $194,060
 B. loss of $199,010
 C. gain of $200,990
 D. gain of $205,940