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Emily and her brother, Edward, are 40-year-old twins. With regards to Emily's life expectancy, which one of the following statements is true?
| A. | On average, Emily has a lower probability of death than Edward so insurance premiums for Emily will be lower than for Edward. |
| B. | On average, Edward and Emily have an equal probability of death so insurance premiums for Edward and Emily will be equal |
| C. | On average, Emily has a higher probability of death than Edward so insurance premiums for Emily will be higher than for Edward |
| D. | On average, the second-born twin will have a higher probability of death so the underwriter will likely ask for more information. |
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