Ronald, aged 40, purchases a whole life policy paying 10,000 during the next 10 years and 20,000 during the ten years after that.

If Ronald is still alive at age 60, he will receive 200 at the end of each month for the rest of his life. Given M40 = 750, M50 = 600, M60 = 420, Z)4o = 4500, Z)60 = 1100 and A^60 = 10,000, find the net single premium for this policy.