Sure, let's go through this step by step to understand the additional cost Bernard has to pay due to his health issues.
1. Determine the base annual premium for someone without health issues:
- The insurance amount is \[tex]$115,000.
- The annual premium per \$[/tex]1,000 of insurance coverage at age 35 for males is \[tex]$1.40.
To find the total base annual premium:
\[
\text{Base Annual Premium} = \left(\frac{\$[/tex]115,000}{\[tex]$1,000}\right) \times \$[/tex]1.40 = 115 \times 1.40 = \[tex]$161.00
\]
2. Calculate the additional premium Bernard has to pay due to health issues:
- Bernard has to pay an additional 15% of the base annual premium due to his health issues.
To find the additional premium:
\[
\text{Additional Premium} = 0.15 \times \$[/tex]161.00 = \[tex]$24.15
\]
3. Calculate the total annual premium for Bernard:
- Add the additional premium to the base annual premium.
\[
\text{Total Annual Premium for Bernard} = \$[/tex]161.00 + \[tex]$24.15 = \$[/tex]185.15
\]
4. Determine the difference in cost between Bernard and a healthy person:
- This is simply the additional premium that Bernard has to pay.
[tex]\[
\text{Additional Cost Annually} = \$24.15
\][/tex]
After going through these steps, we see that the additional amount Bernard has to pay annually due to his health issues is [tex]\(\$24.15\)[/tex].
Among the choices provided, the closest match to this amount is:
[tex]\[
\boxed{d. \$24}
\][/tex]
