Using an Excel spreadsheet, calculate the expected reserves in year 20 for a single surviving policyholder who purchased a whole life product at age 40 Which requires a premium equal to 2265.98 and makes a claim of $400,000 at the end of the year of the policyholder's death. Assume an interest rate of 6% per annul (i.e. the average interest rate in the scenario) and that mortality rates follow the 2010-12 Australian life tables (female rates) and attach to activity