<prompt> Translate the following text to SwahiliThe net level premium reserve should be calculated based on the dividend fund interest rate, if determinable, and mortality rates guaranteed in calculating the cash surrender values described in the contracts.  <response>: Hifadhi ya kiwango cha premium ya usawa inapaswa kuhesabiwa kulingana na kiwango cha riba cha mfuko wa gawio, ikiwa inaweza kuamuliwa, na viwango vya vifo vilivyohakikishwa katika kuhesabu maadili ya uhamisho wa fedha zilizoelezwa katika mikataba. 