Johan took out a 10-year term policy with a face value of $250,000. Over the lifetime of the policy, he pays monthly payments of $115. He dies after making payments for 3.25 years.

a) How many payments did he make?
b) What was the total amount he paid into the policy before he died?
c) How much will his beneficiary receive from the insurance company?
d) How much money will the insurance company lose?