Luz, who is 45 years old, is deciding between two term life insurance policies. Both offer a $350,000 death benefit, but the premiums differ based on age and term length. Option 1: 15-year term life policy Monthly premium: $40 Coverage: 15 years Death benefit: $350,000 Option 2: 25-year term life policy Monthly premium: $60 Coverage: 25 years Death benefit: $350,000 What is the total cost for each option?