This is an actuarial math question What's the formula to calculate the terminal reserve at a year t for a 15-year mixed endowment insurance that pays $1,000,000 at the time of the death of the insured and $2,000,000 if he survives, for an insured with age at contracting 35 years, technical rate 5%, with the prospective method. Please, specify what each part of the formula is.