The annual Cash Surrender value in a Whole Life Policy is calculated using which of the following factors: a. premiums, mortality costs, and administrative costs b. premiums, investment return on the previous year's CSV and mortality costs. c. premiums and mortality costs. d. premiums, investment return on the previous year's CSV and mortality costs, mortality costs and administrative costs. a. premiums, mortality costs, and administrative costs b. premiums, investment return on the previous year's CSV and mortality costs. c. premiums and mortality costs. d. premiums, investment return on the previous year's CSV and mortality costs, mortality costs and administrative costs. Question 4