To get the XPath for your SelectSingleNode, right click the node and select "Copy XPath". Then paste that in your quotes (though what you have in your post does look correct). Perhaps before getting the value, create another XPathNavigator variable for the node itself, so you can see if that returns null?
XPathNavigator surnameNode = xnDoc.SelectSingleNode("/my:myFields/my:Policyholder_Surname", ns);
Make sure that this node is included in your form by default -- that would be under Tools / Default Values. If the node isn't included by default, it won't be there to select....