doosgoogle.com To determine the installment premiums, the future value at the end of the policy period must be discounted back. O True O False Policyholders must pay more than the actual value of their protection? False O True The level of policyholder's surplus helps determining potential client benefits the company can offer O True O False The level of policyholder's surplus helps determining potential client benefits the company can offer True O False Judgement method is the most effective method for determining reserves O False True