the accumulation of a term assurance at time t for a life aged x is defined as A^1_x:t multiplied by (1+i)^t/n_p_x. How could it be the accumulation of the contract? And according to the proof on page 16, I think it just means that the amount of money per survivor can gain from the benefits paid to dead persons, which doesn' t make sense intuitively, so what' s the meaning of such accumulation? Thank you.