A term life insurance policy will pay a beneficiary a certain sum of money upon the death of the policyholder. These policies have premiums that must be paid annually. Suppose a life insurance company sells a $250,000 one-year term life insurance policy to a 20-year old male for $350. According to the National Vital Statistics Report, the probability the male will survive the year is 0.99865. Compute and interpret the expected value of this policy to the insurance company.