Hi, I have a doubt in chapter 12's one example. In the example given under the topic 'Conventional Whole Life Assurance', chapter page 13, can anyone please explain to me that how did we arrive at the values in list of cost of maturity and surrender? In Question 12.9, proceeding the example, we are asked to verify year 3. The solution to this question tells that the cost of surrender and maturity came from: -3P(aq)w (at time) 57 Why did we multiply 3 to it, and not keep it P(aq)w (at time) 57? Thanks in advance for you help! Regards, Shyam