For a whole life policy on (40) with benefits payable at the moment of death:

(i) The face amount is 10,000.

(ii) Premiums are payable annually for 20 years.

(iii) First year expenses are 60% of first year premium plus 100, paid at issue.

(iv) Renewal expenses are 4% of premium plus 5, payable at the beginning of every year.

(v) A45 = 0.305

(vi) a45 = 14

(vii) a45:15| = 10.2

(viii) d = 0.05

(ix) The gross premium reserve at time 5 is 966.

Determine the gross premium.