e$)$ A life office issues a $20-$year term assurance with a sum assured of Ksh

$7,000,000$ payable at the end of the year of death. This is issued to a male aged

$35$ for a level annual premium payable in advance. Calculate the prospective

and retrospective reserves at the end of the $4^{th},5^{th},6^{th},7^{th},{10}^{th},{13}^{th},{15}^{th}$ year,

Assuming AM$92$ Ultimate mortality and $4\%$ pa interest. Ignore expenses.

Repeat with $6\%$ pa