data/qx_ann.dat0000664000175000017510000073166006574600476012272 0ustar greglmi1899 US McClintock's Annuitant ARoger Scott Lumsden 75147,2620HAnnuity experience of 15 American companies, 3/4 of lives being European4365 men and 4821 women Prior to 1892Number of lives Makeham's law with log c=.04 MPrincipal Mortality Tables OLD and NEW Tillinghast, Nelson & Warren, INC 1977 Tillinghast says separate male and female tables were published but doesn't identify which this is - my guess is male. These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  ii?W[~?:f?m?yѩ+?VCK?:̗`? ?U+~?=~o?N`?2U0*?vq -?hUM?-l?p>??{?ڀ?C8 ?ĬC9?vݰm??Q?m4?ʉvR~?HPsׂ?0?Ӈ.o?1=a?/r]?YLl> ?8*5{?q@H?|,}?,+MJA? F6?V}b?_{fI?J$(?>tA}ˌ?dF ?r]??P6 r?a_Yi?~jt?+MJA?b('ڕ?If6? '?|?5^?)\(?m"?=$?3yS?Pkw?9??ǝ??J +? ^?yZK? ?ض(A&?&S?ƿϸp ?JRе?&†?n\?3fӻ?s߉Y/?tF_?|?sA?E?K?ްmQf??Ŋ?0{?<?L?߄B?I&†?+<?~@?[tYL?scz?VF?Tg?CԷ?]C?du?+<?^c? <.???xVG0'%1924 UK a(f) ult, Age Nearest, Female!ARoger Scott Lumsden 75147,2620KSingle life annuitants in 49 UK offices, excluding first 5 years from issue318,250 deaths, 355,221 years exposed (for Ultimate) 1900 to 1920Number of lives .Two separate Makeham curves 40 to 85 and 85 on The Mortality of Annuitants 1900-1920, p.75 W.Palin Elderton and H.J.P.Oakley The Institute and the Faculty of Actuaries Charles and Edwin Layton, London 1924 There were separate tables for select and ultimate Only the ultimate (after 1 year) is shown here Duration 1 values were 63% of Ultimate for same attained age Values have not been proofread. If you find any errors please report them to Actuaries On Line ( tthnS}? X4}?S.}?_vO~?Q~?.s,&6?X9v?vq -?7?L7A`?3yS?n/iց?a_Yi?d?N@aÃ? ϛ?Kq?,ypw?GĔH?xE? .V`??߾?yu?Ǻ?]].;?3mJ?ۿҤ?䃞ͪϕ?G`๗?cZB>?ec]?2#?rK!?s? ڤ?@j?`7l[?ǵb? ? r߉?jv?%ǵ?9 p?$@M-[?;)t?E? 8? c AJ?&Nw(?UMu?70?6[?pB!?QI?X9v? ?5#b?.?dp:?(rw?g?RD?b('? vy?A`"?"~j?HzG?/$?5^I ?Zd;?#~j??(\?Gz?HzG?333333?q= ףp??T)'#1924 UK a(m) ult, Age Nearest, Male"ARoger Scott Lumsden 75147,2620KSingle life annuitants in 49 UK offices, excluding first 5 years from issue27,773 deaths, 116,266 years exposed (for Ultimate) 1900 to 1920Number of lives OTwo separate Gompertz curve 40 to 70 and 80 on ages between bridged empirically The Mortality of Annuitants 1900-1920, p.87 W.Palin Elderton and H.J.P.Oakley The Institute and the Faculty of Actuaries Charles and Edwin Layton, London 1924 There were separate tables for select and ultimate Only the ultimate (after 1 year) is shown here Duration 1 values were 63% of Ultimate for same attained age Values have not been proofread. If you find any errors please report them to Actuaries On Line ( rrXT[r?ǘ?T?M?#bJ$?4c?+ٱ?ʉv?:pΈ?Έ ?j+݃?_L?|,}?bg ׈?%jjي?B>٬?q]P?S:X?"*"?[Ɏ@?gDio?VC?,)W??UB?-!lV?_Ah:?L?4?,+MJA?)"?^x??g\8?H?(\? ףp= ?RQ?Q?ףp= ?(\??{'1928 US Combined Annuity, Male#ARoger Scott Lumsden 75147,2620 Empirical Cammack's Clerical up to 50, approaching American Annuitant at the higher ages Graduated by Makeham's law to age 20, Gompertz 35 and over bridged 20 to 35 Table originally commenced at age 10 and was extended to age 0 in 1932 by Herbert Stark (see TASA XXXIII) MPrincipal Mortality Tables OLD and NEW Tillinghast, Nelson & Warren, INC 1977 Females are handled by a 4 year setback Used for annuity valuation 1930-39 in NY State These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  jjXdF ?70?St$?׆q&t?ϛTh?R\U]a?kHcCW?W?*5{X?~jtX?oӟHY?Y? .V`Z?F%u[?@_[?"\?nS]?_vO^?VCK_?Vc#`? ^)`?~oӟHa?"ua?]a?/nb?5l/b?j>"Db?מYb? ab?3kb?1ZGUc?x c?ZӼd?EV f?9̗g?a+ei?yCnk?6Ym?vq -p?nq?ds?iWVt?46 e?N ^e?"f?=mg? 0*h? Wh?N ^i?&Kj?F%uk?_Qk?̯l?<,Ԛm?.s,&6o?TBp?r&"p? rhq?P6 rq?n2dq?5;Nq?y):r?+r?3kr?9]s? 3mJs?Nz1s?x s?6ُt?wN#-u?N ^u?^/ v?c#w?R~Rx? .V`z??߾|?<,Ԛ}?m?70?R%?מY?0?<,?KTo l?0AC?= ?{?tv28J?XeS?mQfL?+?.Q5?)Wx? N]?ypwn?ɝ?TB?]ۡ?ʡE?bg إ?gF?a?:u<?zpwn?9v?>:u峴?`"?k}Жs?3܀#?\4 ?(A&?]P2?>M?B5v?Qy?fIZ?s?`VI?гY?F??#-R\?1*?9(a?b48?ݓ?1ZGU?t{Ic? u?0*D?{P??@e'/1929 Canada Rutherford's Annuity, Nearest, Male%ARoger Scott Lumsden 75147,2620HSingle life annuitants in 49 UK offices, excluding first year from issue 9,737 Deaths 1900 to 1920Number of lives Ages 40+ with Whittaker-Henderson B, k=2E-6 Ages 98-104 with 4th difference curve to unity. Ages 0-24 from English Life Table No 8 Male. Ages 34-49 from Cm(5) table Ages 25-33 bridged by 3rd difference osculatory UTASA Vol XXVIII, p 54 Rutherford's Annuity Tables C.R.Corneil, Limited, Montreal 1929 5Table intended to comply with 1927 amendment of Canadian Insurance Act requiring annuity valuation on table "deduced from the actual mortality experience " behind a(m) and a(f). The 1924 a(m) and a(f) were not directly deduced from the actual experience. An option of having a one year select period was allowed. Duration 1 values were 59% of Ultimate for same attained age This is believed to be the first published table graduated by the Whittaker-Henderson B formula. Values have not been proofread. If you find any errors please report them to Actuaries On Line  hhHiW!'վ?n燡?a?T?)sx?1=at?TBp?&Kj?fʉve?/nb?;f_?d]?6Y]?;f_?~oӟHa?UN@c?+~7e?^/ f?E|'fh?Q,j?"l? m? q? rhq?ek}q?ek}q?nq?n2dq?5;Nq?y):r?+r?r_s?#t?<.9t?s.Ueu?I2v?иp $ x?a+ey?)'$z?wb֋|?~tgy~?H?P6 r?Րǂ?@j';? K?:]?խ?x&1?`TR'?_Ah:?S:?HV?aۢ?kF=D?ѮBO?Y?@z{? c? r?!Y?V+~?W!'>?9z?#? ?GG?`?St$??ܵ|?'@j?ta?d?x=\r?5;N? c A?WL?&S?v??{5'1937 US 37 SA, Male&ARoger Scott Lumsden 75147,2620 Empirical quin ages under 65 from 1932-36 Group Annuity Experience (clerical) quin ages over 60 from American Annuitants set back 2 years fit to Gompertz 33 to 96 MPrincipal Mortality Tables OLD and NEW Tillinghast, Nelson & Warren, INC 1977 Females are handled a setback, originally 5 years Used for annuity valuation after 1948 in many states These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line SA stands for Standard Annuitant  mmp(,)?<.9t?m2k?+ٱa?~jtX?׆q&T?MPT?{GzT?{GzT?MۿҤT?MۿҤT?MۿҤT?MۿҤT?MۿҤT?MۿҤT?MۿҤT?T?h㈵T?/"U?fʉvU? KY?Q,Z?3.\?6Y]? x#_?`?Q,b?kC8c?h㈵d?#-#f?(XQih? .V`j?>?ml?O;5Yn?p>?p?]q?UN@s?j0 Gt?gv? 0*x?[| z?h:;|?_vO~?G8-xW?5Y?Op?/r]?_vO?$ۇ?'IL?6?yu?Vc#?/oe?lscz’?MbX9?䃞ͪϕ?vӂ?MbX?5A}R?q= ףp?׻?|~?žvk?2Yأ?ُa?Y?Z ͨ?%?[rP¬?n?~7?='o|?9#J?>W[?%P?N`?F 2ȹ?M2r?@P? fhl?n?Xp?q?OI5s?o[tt?GtF^v?VF?x?QZz?fe|? W?rK!?OȂ?*)?"Ɔ?$EdX?sa?7ܘ? N} y?(zc?l?p!?"S?6 ?\o?س25?4 ?Hξ ?Ӻ j?@@w?2z?rPLۯ?c*3?{k`??Y.?_{fI?0 O?g+2?? /?>?V{ ?pWs?? ?J z?ދ?6ڋh;?@Ρ ?v()?]a?u?T?st?o^?`eM,p?!S>?kI?j1x?q_?x?n???{+'1943 US 1943 Experience, MalexARoger Scott Lumsden 75147,2620Ages 60+ US Joint Mortality Committee experience, immediate nonrefund annuities excluding first policy year Ages 55 and under from intercompany group annuity)Roughly 4.5 thousand deaths in individualG1941 to 1946 for individual 1939, 1940, 1946 and 1947 for group annuityNumber of contracts 'Makeham curve 60+, under 60 graphically TSA, Vol I, pp 462-463 Experience tables underlying US a-1949 Male There can be a one year select period with select rates 75% of the corresponding ultimate. These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  mm-C6J?Q,J?GW:K?rQ-"K?RhL?zM?-sM?=- N?1?74eO?O!WYP?_ P?"uQ?E4fR?BwIQS?=ԶaT?A)ZU?_V?DXPX? o_Y? iTd[?st%]?~_?ǘ`?]a?Crcc?Ρ U1e?eNg?W9i? Z+l?c'>p?(bcr?t?)Wxw?$([z?YBs}?0L^?Q,?__R#?߼8?A?A9w^?FD1y̌?aQ+L?N?)Pj/?Ϟ$x?a>̔?,C?N}?k-B;?MT#?^a?scz?x[?9Sɢ?]`7l[?0"?v;?Q?W}W?5Lkخ?(@̰?7GnM?Y.?̕A?V/?Z?-y<-??ݳѾ? Tƿ?"HV?ͬ?q̲'? U1~?HQg!?l+?ti?ͩd?CqǛ?=Ƃ ?,AF?\QJ?t?дh?h?ur7?q::??XF?BL?ik|&?ffffff?]`7l?úX??<,'1944 US RRB AnnuitantWARoger Scott Lumsden 75147,2620=RRB study of nondisabled railroad annuitants after retirement 1938 to 1941Number of lives TSA II pages 1-48 - Table 6 @Designed as a valuation basis under the normal retirement provisions of the Railroad Retirement Act with various setbacks (1 year by 1945-47 study) Gender not specified but retired railway workers probably nearly all male. Full name "The 1944 Railway Annuitants Mortality Table" RRB stands for Railroad Retirement Board  < hhh8̒?£#?5ctv2?cz(???3K?'9?9 ?ݵ|г?xz,C?>M?\tYLl?7qrCQ?N ^?>$@M-?+0du?eNĶ?t)*? ?"^?m"?7XO?J +?&†W?r鷯?uV?'fʉ? c AJ?û\wb?6ُ?T?[ Ac? ?+?AJi?q]P?CV?p0?dw?&jjZ?wg ?sA?mJR??Y'1944 US RRB Disabled, Age lastXSRoger Scott Lumsden 75147,2620XRRB study of disabled railroad annuitants who last worked in 1937 or in subsequent years1937 to 1944 anniversaryNumber of lives (I think) nNot much description, but TSA X p 219 mentions that the ultimate was merged into American Experience at age 80 TSA II pages 1-48 - Table 7a Designed as a valuation basis under the total and permanent disability provisions of the Railroad Retirement Act Gender not specified but disabled railway workers probably nearly all male. RRB stands for Railroad Retirement Board   _@ Cl?A`"?x&??jt?l?Mb?V-?9v?MbX?|?5^?L7A`?~jt?/$?l?L7A`?V-?9v?E?B`"۹?p= ף?Mb?/$?l?L7A`?V-?9v?RQ??Mb?Zd;O?/$?~jt? rh?Q?9v?+?MbX?Mb?Zd;O?/$?~jt? rh?Q?9v?K?J +?Mb?Mb?jt?+?Q?X9v?S㥛?bX9?EԸ?p= ף?~jt?jt?+?Q?X9v?S㥛?ʡE?~jt?L7A`?J +?I +?+?Q?X9v?S㥛?(\?~jt?x&?J +?I +?+?Q?X9v?S㥛?K7A`?~jt? rh??I +?+?Q?X9v?y&1?ˡE?EԸ?Dl??I +?+?Q?X9v?V-?#~j?MbX?;On?9v?Zd;O?{Gz?Q?X9v?Q?{Gz?B`"۹?333333?A`"?Mb?/$?;On?Mb?X9v?MbX9?|?5^?MbX9?)\(?~jt?jt?l? rh?L7A`?MbX9?9v?sh|??v/??I +?+?;On?Q?+?1Zd?jt?Q?9v?Zd;O?/$?+?+?ףp= ?Cl? ףp= ?Mb?S㥫?~jt? ףp= ?jt?I +?ʡE?y&1?+η?x&?y&1??~jt?~jt?J +?ʡE?!rh?+η?V-?V-?A`"?&1?9v?A`"?ʡE?v/?Mb?l?Q?)\(?S㥫?)\(?y&1?/$?v/?RQ?~jt?T㥛 ?V-?v/?v/?V-?/$?v/?~jt?ʡE?p= ף?Q?h|?5?h|?5?Q?/$?v/?J +?+?x&?X9v?Q?Zd;?X9v?/$?v/?EԸ?+?Dl?X9v?X9v?T㥛 ?Mb?S?!rh?~jt?MbX9?Q?Mb?Mb?p= ף?L7A`?333333?!rh?RQ?MbX9?V-?p= ף?L7A`?x&? rh?7A`?y&1?RQ?MbX9?;On?x&? rh?Dl?Q?;On?"~j?Mb?MbX9?l?Dl?Q?V-?㥛 ?n?"~j?Zd;O?{Gz?~jt?;On?;On?l?~jt?/$?1Zd?K?#~j?+?l?333333?ʡE?MbX9?K7A?A`"?K?ˡE?MbX9?~jt?+?{Gz?ˡE?Zd;?&1?K?ˡE?{Gz?MbX9?#~j?sh|??jt?X9v?&1?Zd;O?sh|??ˡE?ˡE?/$?jt?bX9ȶ?V-?B`"۹?+η?/$?/$?(\µ?ʡE?bX9ȶ?Zd;O?q= ףp?&1?Mb?jt?jt?I +? ףp= ?Zd;O?RQ?MbX?|?5^?A`"?)\(?q= ףp?Zd;?L7A`?;On?'1Z?ʡE?~jt?5^I ?h|?5?/$?1Zd?h|?5?MbX?Q?/$?}?5^I?rh|?Cl??^'1949 US a-1949, Female'ARoger Scott Lumsden 75147,2620Ages 60+ US Joint Mortality Committee experience, immediate nonrefund annuities excluding first policy year Ages 50 and under from intercompany group annuity 1941 to 1946Number of contracts Makeham curve 60+, under 50 graphically This experience table then projected from 1943 mid year to 1949 The table commenced at age 10 but was extended to age 0 by the Mortality Committee of the SOA. dTSA, Vol I, pp 368-393 Principal Mortality Tables OLD and NEW Tillinghast, Nelson & Warren, INC 1977 Annuity valuation tables for USA There can be a one year select period with select rates 50% of the corresponding ultimate. These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  mmp&Kj?q@HV?)1 G?: vA? Lu;?y76?82?F̱.?*6u!+?/PR`L)?yxρ)?'eRC+?H}-?+,/?C8 1?82?ZQf3?MۿҤ4?[5?};l"37?4 ;8?RT:?/K;5;?i:=?#>?Nj@?ޭ,YfA? 8KrB?t|8cC?'D?n/F?1е/G?Ah:;I?boJ?TUh L?N?p>?P?Q?zUgS?_% T?+H3V?vW?=NY?h:;\?G 6u^?Z_&`?8ӅXa?eYJc?-Ye?eNg?-X xi?y"k?m? q75p?n\q?/ ҌEs?Hu?w?{m]y?ҏS{?4Lm~?|5Z??:`?Zwg?01"Qh?T4-?)[$F?n^?׹i3N?Ȓ9w?t=u?w1t?vLݕ?]¡x?0,-X?LP÷n?H¦?l%tY?B:?p?Y? -M?=mG?hN?D?B? fhY1\M?~O?_sP?GR{Q?IR?հS?"nN%@U?q!FV?nHJzX?u?TZ?G仔d\?F̱^?ǘ`?5l/b?gdSd? jf?j?V-m?>Vp?f(7s?f|u?*5{x?X?*g\8@?1zn+A?8B?֪]C?_% D?}E?X|[TG? WH?ฌJ?ltOqL?~tgyN?!9UP?4GV~Q??̔R?MPT?}U?pW?WxY?{\&[?0&^?!9U`?6a?{%9`Wc?He?rMdg?ض(A&i?ZՒr0k?Ytwm?p?4woq?r s?ENt?|_\w?(D!Ty?\Ǹ|?J U ?)dq?Sr/0+?n/i?[X7?Qr؋??=)ڐ?i?_ѭה?zi?I)?QL3?,Ρ?+-?@S? Y?~7?7pG?%$6D?M!u;?'l?ô?ѯ?xGo?ps?l?+j0 ?D? 8Kr?t$~?h\W?9`W?.u?viai?s6?py?nj?#10&?) ? Om?-R?`vOj?)Ǻ?0|D?Y?pDkL?ܚt["G?`HD?ܠ[;QB?MjhA?3/@?VDׅ??En1??rfB??`??!>@@?ӹ@?_ @?R\U]A?fLgA?מYB?6:B?kC8C?Za/D?h㈵D? E?>+NF?AA)ZG?V횐H?RTJ? LuK?wJL?O;5YN?%?.Tr?rPLۏ?GRE?J" ˒?Ȯ?/HM?1#=?ysV{؛?]՞?fs~?8N g?Dׅ?| ?56N?+J ?:$P29??XƆn?5a0?;?ͨ*?R$@M-?e`TR'?j4?&VF#W??,?q{c?v?ҋ*?t_?h O?Pf4??|o^}?J`?erjg??A5(*'1955 UK a(55), Female+SRoger Scott Lumsden 75147,2620QCMIR Intercompany mortality study on Annuity issues in the UK Duration 1 excluded 1946 to 1948 Arbitrary adjustments to ages under 50 Ages 50 - 100 from annuity data Projected 8 years from 1947 to 1955 with Scale UK 1955 Graduated by Perks formula 0The a(55) Tables for Annuitants, Cambridge, 1953 ~Deemed to be appropriate for immediate life annuities purchased in 1955 The select value for age 19 not given, I estimated it.  tc#-#F?U+S?ǺF?1ZGUS?kHcCG?kC8S?kHcCG?a2U0*S?9̗G?3fS?c#G?׆q&T?VF?H?MPT?VF?H?MۿҤT? WH?h㈵T?Ah:;I?_LU?'>I?8*5{U?I?_vOV??ŊJ?#-#V?m2K?kHcCW?_QK?*5{X?K8L?oӟHY?%N?Y?ŏ1w-!O?F%u[?*g\8P?[[%X\?C8 Q?6Y]?]Q?VCK_?HPsR?7T7`?x S?+ٱa?_LU?lsczb?QfL2rV?nd?*5{X?ُae?Y?Ǻf?yCn[?E|'fh?d]??Ŋj? x#_?"l?4 a?!Jn?Bb?ǘp?Pc?VFq?fʉve?1ZGUs?eS.g?ZӼt?oӟHi?؞Yv?m2k?~jtx?H}m?W 3z?Xjp? X4}?nq?*3h?7l[ s? ?ڧ1u?{Fw;?{w?/"?_xZy?E>'I?VI{?}"O?!J~?ec]?iQ?&jjZ?n4҂?z6>W[?3KԄ? l`q8?{?_L?'>?V+~?[[%X?&kC4?o?>"D?4Op?q&"?D$]?~5?,g~?ޣ?KqUٗ? ?CV?)s??x?xz,C?T?)*?46?P?wJ\?R\U]Q?O;5Y^?מYR?Mb`?a2U0*S?na?h㈵T?HPsb?#-#V?1%ed?(XQiX?EV f? .V`Z?c#g?y&1\?_5!j?VCK_?{l?4 a?.s,&6o?lsczb?6ُq?{Gzd?&Sr?9]f?{Gzt?~jth?gv?t^cj?~jtx?H}m?z?vq -p?d}?q?B=?kC8s?5;Nс?ُau?jM?)Wxw?/$? o_y?&†?ǵb|?[| ?~@?-[닄?ĬC9?U+~?d?*oG8-x?h㈵?+H?MSt$?_L?'>?(r?J8?6?T:X0?>:u峜?ĬC9?m?Op? ?ڧ1?1ZGU?ܝ.4?|гY?tמ?ǀ?ٔ+E?Cl?H.?h"lxz?r@H0?9@0G?P6 ?E_?YLl> ?BL?Rb?ZK?k?HK?>W[?E>?P1ί?Qkw? \?23?y):?dz?IK??*3h?O],σ?mnLOX?67',?7??W[? Tƿ?ŊL?!<8b?V̯???J?HGŧ?mIF?g %?߉Y/r?Wc#? ?Ral!A?ʦ?yܝ?%?{Gz?)'$?&1?]Fx ?X9v?\Z {,?M O? c AJ?rh|?4c?"~?S??jt?\(\? r?MbX?;On?-?q= ףp?~jt?B`"?y&1??'1955 US American Annuity, Male*ARoger Scott Lumsden 75147,2620pAges 60+ US Joint Mortality Committee experience, immediate nonrefund annuities excluding first two policy years 1948 to 1953Number of lives GMakeham for ages 60+ Ages under 60 from a-1949 projected some weird way TSA, Vol VIII, pp 127 ff Individual Annuity valuation tables for USA Female handled by a 5 year setback These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  rrpVF?8? W8?'>9?-C6:?t^c:?yCn;?3.?ŏ1w-!??Z H??_s@?_ @?¾DA?uB?Q+B?}!C?=ԶaD?64DE?De?F?X|[TG?$@H?ɐcI? ~K?NCM?W:O?70P?ƊLQ?BwIQS?*WYT?-;V?|~X?ฌZ?U\? _?XuV 1a?lsczb?hxd?>Vf?tF_h?+=)j?hnl?#o?DAc&q?&Sr?]u?t?=v?|A x?u?Tz?'|?E2?qŁ?˃?Xr?zZ?q?k]j?4"1?9 毐?D6.6?q!Fʖ?r/0+?Q?i_=?sLh?3ڪ$?^, ף?;_?%s,盛?I*SAЩ?MHk :!?N`:۠?4J%?DJy?ȳ˷>?l ]lZ?…<)?W?{G 1?!o?eF ^׿?C6.6?zV?֪]?5z5@i?7ӅX?ou$?YLl> ? Ln?3z9?bc?~l?Sr3?"PH?p?^?{O崧?zI|?i%?`?/5B?S? pz?CH?Um77?9CqǛ?qps?,y?1l??B['1955-69 Colombia TCMR, UnisexnA:Javier Suarez and Jose F. Rojas, 104551.43@compuserve.com6 life insurance companies 1955 to 1969Number of lives Graduated using King &Res. 1439/72 (Banking Superintendency) SAdopted for annuities TCMR stands for "Tabla Colombiana de Mortalidad de Rentistas"  mmfʉvU?N ^U?QfL2rV?ǺV?=mW?c#W?(XQiX? WX?a+eY?Y??ŊZ?m2[?"\?_vO^?hUM`?"ua?3kb?nd?/"e?N ^e?0ACg?|~h?&Kj?[[%Xl?O;5Yn?7T7p?Q,r?@s?gsu?9w? F%uz?"|?VCK?ĬC9?Op? p?ܝ.4?҇.o?B ܺ?V-?&jjZ?p= ף??3K?A_?ʘ?%#gaO;?TN?"?^hHK?E>'I?(yu?_LJ?/?#bJ$ѫ?2=a?=!7 ?`TR'?k&l?K7A`?,H3Mg???ջ?tV?Kh?Zڊ?PI5?eI?n)"?Q?pUj@?Yڊ?!%̴?vOjM?W2ı?<,?ZӼ?Vc?UD ?Z| ?fa?=If?4Fj?0/>:u?P1߄?p $ ?ꕲ q?rPLۿ? ?D!T?M'!1956 US RRB Disabled, Age nearestYSRoger Scott Lumsden 75147,2620RRB study of disabled railroad annuitants who last worked in the railroad industry not earlier than calender year preceding disability plus accruals in 1936-46 in ultimateXExposures 101 thousand select, 125 thousand ultimate Deaths 6,936 select, 9,384 ultimate1953 to 1956 policy yearsNumber of lives }Crude death rates calculated for quin age groups Ultimate adjusted to Age Nearest by ratio of q(x)/q(x+.5) from 1944 RRB Resulting raw rate reduced by .0062*e(x) as margin (per 1000 qx) where e(x) is complete expectation of life on 1944 RRB giving A/E of about 105% Rates with margin then graduated with Jenkins 5th difference modified formula Ultimate was merged into 1941 CSO at age 90 Select was smoothed by graphic graduation, sometimes adjusted to improve first differences Please note that I changed the ultimate values for age 50 from 34.16 to 34.17 and 51 from 34.99 to 34.97 since otherwise the qx's would not reproduce the lx's TSA X pages 205-227 - Table 5a Designed as a valuation basis for all the various disability provisions of the Railroad Retirement Act RRB stands for Railroad Retirement Board   c@nS?kCŰ?[K?Mb?aq89?= ?vR~R?J)ư?C?NP?.!u?v?S.Q?@ǰ? yǩ?(>?iᴠ?&kC4?Zd;O?E 2ɰ?CԷ̩?J?77',?1BxqĚ? N?ʰ?|yѩ?Fx $?^2?$#gaO?=$@M?$bJ$˰? ҌE٩? '?ho?_Qڛ?yZK?Z Ͱ?R'?Z*oG8-?TR'?>?m?B!J? Tƿϰ?k?5?"?4)? QI?QѰ?ݘ?ԕtA?Sr3ܰ? pU?dz?D ?iᴠ?=$@?q?bg?E a?5?|~?<8b->?L7A`?{w?)t^c?N ^?;6~?ϽK;?]C?N?K?ao?H|?%P6?SW>?GȰ?#?47¤?d`T?\Z {,?j?z{ժ?VzNzߨ??â?DL$z?aۢ?wJ?aۢ?wӂ}?D9?*?L?pUj@?( 0?1%?6qr?/ Ҵ?[Ӽ?x@ٔ?KqU?S"^?M»\?@ȓ?E>'?#?`7l[?s?hUM?=>? Y9?}?5^I?|ݩ?I&†??>yX5ͳ?=aM?镲?p_Q?Fw;S?~nئ?O0A?ea?(?5{?Z?c#?lscz²?=>t?du?}Y?g %?$EdX?|%j?A}˜.?;?yt?%䃞ͪ?l&lsc?Nё\C?ݵ|г?9]?4)?p>??d@zǫ?y):? o_α?VF??gyܭ?Y?W!'>?48EG?$ ?*?r.Ue?ŏ1w-!?~W[ɮ?|%j?_ME?[ m?C+j?,)W?x&1?^?5{?Tގp?W2ı?]wb֋? >? x?a?)A&9?n4Ҳ?[B>٬?1*Ա?8̒?dp?"~j?&kC?x&1?@"2?6T?"Jv?E/Xni?yCn?od? \?3bb?]T?Lݼ?5? M?H}?3h?`9z?m4@?4?.lIF?vT5A}?4)?W2ı?1 {?6XO?-[닄?5l/?X9v?AH0[?IFž?6X?#0??'1956 US RRB Remarriage, FemaleSRoger Scott Lumsden 75147,2620RRB study of remarriage rate of widows of railroad workers with children under 18 or widows of advanced age eligible for pensionTExposures 87 thousand mothers, 220 thousand aged Remarriages 2,620 mothers, 618 aged1951 to 1956 policy yearsNumber of lives Crude remarriage rates calculated for quin age groups Ultimate graduated graphically Resulting rates reduced by 5% as margin Rates with margin then graduated with Jenkins 5th difference modified formula Duration 0 by graphic graduation to merge with ultimate at age 60 Durations 1-3 by parabolic fit up to ages between 45 and 50 then merged with ultimate no later than age 60. Duration 4 a mix of parabolic fit (younger ages) and graphic. TSA XII pages 1-21 - Table 4a Note that orphaned children retained right to survivor annuity after mother's remarriage. Designed as a valuation basis for benefits to widows of railroad workers provisions of the Railroad Retirement Act RRB stands for Railroad Retirement Board   J;hbE?s?|\*?XG?<;k?1߄B?mnLO?}8gD?bE a?J?-9(a?[| ?6~?m?wJ?z{?^?x&1?('?72?eX?\ Ac?b?&pn?0?3k?镲 q?{{?9z޾?̯? U+~?eI)?8*5?GĔH?X? x#?Uط?Kq?Oup?.Q?<;?ۧ1?oض(A?1=a?w/?P?gaO;5?2U0*?w#?{Ic?rh|?_5!?48E?B?SW>?_xZ?r.U?_Fj?E/Xni?"~?|yѱ?9̗?$C?mIF¶?Qkw?hW!?pWs?(\½?E? 8*?ƊL?/$?.lIF?&p?AH0[?&?#S?<)t^?Sy;i?K7? ?QI&?Y?K7?(a_Y?bqm?ij?zpwn?GȰ?㪲?{?Oz1?"??߾?0G?vӂ?@0Gۤ?nض(?vT5A}? %?4hb? ܺ?+?֋hW? u?OI5s?ek}q? x#o?Ql?-C6j?g?8*5{e?3fc?;Onb?J4a?*g\8`?O;5Y^?H}]?@_[?Y?'/1960 Canada Pension Remarriage, Female, NearestSRoger Scott Lumsden 75147,2620VCanadian Pension Commission study of remarriage rate of widows of Canadian servicemenaExposures 190 thousand select and 146 thousand ultimate Remarriages 8,127 select and 338 ultimate 1940 to 1957Number of lives All values graduated graphically Some smoothing by examination of differences Duration 0 values adjusted up to minimize effect of abnormally low 1940-48 values. TSA XII pages 449-465 - Table 1  OApZd;?/$?333333?(\?J +?d;O?n?^I +?ʡE?Pn?1Zd? ףp= ?ʡE? rh?Zd;?!rh?Zd;?&1?Fx?Mb?y&1?K7?(\?;On?Q??sh|??V-?X9v?y&1?|?5^?m?(\?Mb?Gz?zG?Zd;O?'1Z?x&?y&1?+η?ʡE?p= ף?v/?9v?Mb?-?V-?d;O?x&1?J +?jt?l??9v?jt?V-?Q?A`"?~jt?(\µ?|?5^?Zd;O?"~j?Cl?K?'1Z?K7?V-?~jt?MbX9?p= ף?)\(?J +?I +?ʡE?+?A`"?|?5^?Mb?/$?7A`?T㥛 ?A`"?I +?;On?Q?&1? ףp= ?{Gz?Dl?jt?(\?RQ?/$?ףp= ?HzG?q= ףp?EԸ?{Gz?L7A`?)\(?Mb?ˡE?l?X9v?'1Z?bX9?ʡE?'1Z?V-?rh|?zG?I +?㥛 ?Q??jt?~jt? rh?y&1?㥛 ?w/?'1Z?(\?Pn?y&1?RQ?{Gz?L7A`?)\(?Zd;O?+? rh?X9v??/$?l?;On?L7A`?ʡE?B`"۹?jt?;On?Q??/$?Q?X9v?y&1? ףp= ?`"?x&?p= ף?X9v?zG?K?ʡE?p= ף?S㥫? ףp= ?~jt?Mb?y&1??{Gz?)\(?`"?ʡE?1Zd?Mb?#~j?Dl?V-?~jt?{Gz? rh?V-??I +?;On?MbX?S㥻?zG?~jt?/$?㥛 ?X9v?9v?jt?;On?X9v?9v?I +?{Gz?Mb?bX9ȶ?~jt?+η?(\µ?333333?p= ף?)\(?Zd;O?+?L7A`?y&1?Zd;O?{Gz?;On?V-?MbX9?jt?sh|??~jt?x&?V-?J +?ˡE?Q?V-??/$?;On?Mb?9v?V-?ʡE?l? rh?Q?9v?I +?l?X9v?9v?I +?~jt?Mb?y&1?~jt?T㥛 ?Dl?L7A`?Q?A`"?Zd;O?+?L7A`?S㥛?Zd;O?{Gz? rh?y&1?~jt?I +?y&1?Zd;?h|?5?A`"?Mb?ˡE? rh?V-?~jt?/$?;On?Q?9v?I +?{Gz?J +?S㥫?9v?Mb?/$?;On?Q?9v?I +?;On?Q?9v?I +?{Gz?;On?jt?~jt?Zd;O?/$?l?Mb?S㥛?Zd;O?~jt?Mb?9v?I +?{Gz?;On?Mb?~jt?jt?ˡE?l?L7A`?y&1?~jt?{Gz? rh?y&1?~jt?{Gz?;On?Mb?y&1? rh?~jt?l?L7A`?V-??/$?;On?Q?~jt?{Gz?;On?Mb?y&1|?9v?Q? rh?L7A`?V-?9v?I +?~jt?Mb?9v?I +?;On?Mb?y&1|?~jtx?~jt?S㥛?Q?V-?9v?Zd;O?~jt?Mb?y&1?I +?;On?Mb?y&1|?~jtx?{Gzt?I +?~jt?S㥛?9v?Zd;O?{Gz? rh?y&1?~jt?{Gz?Mb?y&1|?~jtx?{Gzt?Mbp?{Gz?/$?~jt?Zd;O?{Gz?;On?Q?~jt?{Gz?;On?y&1|?~jtx?{Gzt?Mbp?Mbp?;On?~jt?/$?{Gz?;On?Mb?9v?I +?;On?Mb?~jtx?{Gzt?Mbp?Mbp?~jth?Mb? rh?~jt?;On?Mb?y&1?I +?;On?Mb?y&1|?{Gzt?Mbp?Mbp?~jth?~jth?y&1|?Q? rh?Mb?y&1?~jt?{Gz?Mb?y&1|?~jtx?{Gzt?Mbp?~jth?~jth?Mb`?~jtx?9v?Q?y&1?~jt?{Gz?;On?y&1|?~jtx?{Gzt?Mbp?~jth?~jth?Mb`?Mb`?~jtx?I +?9v?~jt?{Gz?;On?Mb?~jtx?{Gzt?Mbp?~jth?~jth?Mb`?Mb`?Mb`?{Gzt?{Gz?I +?{Gz?;On?Mb?y&1|?~jtx?{Gzt?Mbp?~jth?Mb`?Mb`?Mb`?MbP?{Gzt?;On?{Gz?;On?Mb?y&1|?~jtx?{Gzt?Mbp?~jth?Mb`?Mb`?Mb`?MbP?MbP?Mbp?Mb?;On?Mb?y&1|?~jtx?{Gzt?Mbp?~jth?~jth?Mb`?Mb`?MbP?MbP?MbP?Mbp?y&1|?Mb?Mb?~jtx?{Gzt?Mbp?Mbp?~jth?Mb`?Mb`?MbP?MbP?MbP?MbP?Mbp?~jtx?y&1|?~jtx?{Gzt?Mbp?Mbp?~jth?Mb`?Mb`?MbP?MbP?MbP?MbP?MbP?~jth?{Gzt?~jtx?{Gzt?Mbp?Mbp?~jth?~jth?Mb`?MbP?MbP?MbP?MbP?MbP?~jth?Mbp?{Gzt?Mbp?Mbp?~jth?~jth?Mb`?Mb`?MbP?MbP?MbP?MbP?~jth?Mbp?Mbp?Mbp?~jth?~jth?Mb`?Mb`?MbP?MbP?MbP?MbP?Mb`?~jth?Mbp?~jth?~jth?Mb`?Mb`?Mb`?MbP?MbP?MbP?Mb`?~jth?~jth?~jth?Mb`?Mb`?Mb`?MbP?MbP?MbP?Mb`?Mb`?~jth?Mb`?Mb`?Mb`?MbP?MbP?MbP?MbP?Mb`?Mb`?Mb`?Mb`?MbP?MbP?MbP?MbP?Mb`?Mb`?Mb`?MbP?MbP?MbP?MbP?MbP?Mb`?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?Xà'1962 Colombia TCMR, MaleoA:Javier Suarez and Jose F. Rojas, 104551.43@compuserve.com %Res. 512/67 (Banking Superintendency) zAdopted for annuities Female table derived using 5-year rule TCMR stands for "Tabla Colombiana de Mortalidad de Rentistas"  dd]Q?x S?N ^U?c#W?Y?鲘|\[?wJ\?~tgy^?q_?6T7`?~oӟHa?]a?Bb?9]c?a2U0*c?MPd?YLl> e?N ^e?^/ f?c#g?pӟHi??Ŋj?mxz,Cl?aodn?Mbp?+ٱq?U+s?M Ot?-=v?w?|DL$zy?yCn{?y~?T[r?ƊL??b('څ? F6?:@0Gߋ?U+~?3bb?'@j?ُa?KqUٗ?<,Ԛ??'IL?PS"?N@a??du?KH?׻?ޫ?2bb?ffffff?????a'1963 US Annuity Basic, Female-ARoger Scott Lumsden 75147,2620aAges 60+ US Joint Mortality Committee experience, Individual annuities, all durations, most types8Exposures 1.9 million contract years, Deaths 67 thousand71963 to 1967 for immediate, 1960 to 1965 for settlementAmount of annual income PJenkins interpolation to get 1963 experience table Ages under 50 from 1966 group experience table then projected back to 1963 on Scale D Gap between bridged by 4th degree polynomial The official table runs from ages 5+, unofficial extension values for ages 0-4 were added by R.S.Lumsden using the standard extension of a-1949 as a base. "TSA, Vol XXIII, Part 1, pp 486-491 Experience table underlying 1971 IAM Taken as representative of annuity mortality in 1963 These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  ssw ,f?CR?qnC?]2Y1\=?ŏ1w-!??p>?@?A?d?HB?eC?_LE?֦F?DXPH?[| J?MnK? M?Vc#P?R\U]Q?d?HR?(@T?[U?AA)ZW?<ܴY?Mn[?cyW=`^?RC `?qW"b?IICc?]E~e?xĬg?JiWVj?4m?$p?DAs?zm6Vbu?[vx?%]3f{?΢w*~?1{v?EHξ?}w+K?Ki? 'Lʆ?c ?;jL?Fˁj? &(̍?>4`?i^`V(?H¾D?iU?aUN?֜?MLbG?z7e?IǤ?\.u?$)ahu?QcB̭? ZH?1>̲? =E?[?g͏?ܚt[?7j{?Ũk}?Н`un?|~?F_?"aK?Drc?3O?q?f?Rq?7{5?0Ie9?mkA?~l?e?;]?ԘsI?|?%?d?:pΈ?x7N ?T?1#?wH1@?li?࢓{?O`?!*C??c'1963 US Annuity Basic, Male.ARoger Scott Lumsden 75147,2620aAges 60+ US Joint Mortality Committee experience, Individual annuities, all durations, most types8Exposures 0.9 million contract years, Deaths 42 thousand71963 to 1967 for immediate, 1960 to 1965 for settlementAmount of annual income PJenkins interpolation to get 1963 experience table Ages under 50 from 1966 group experience table then projected back to 1963 on Scale D Gap between bridged by 4th degree polynomial The official table runs from ages 5+, unofficial extension values for ages 0-4 were added by R.S.Lumsden using the standard extension of a-1949 as a base. "TSA, Vol XXIII, Part 1, pp 486-491 Experience table underlying 1971 IAM Taken as representative of annuity mortality in 1963 These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  ssǜgK6n?^saW??ŊJ?yxeE?d?HB?_ @?iUMu?? 0=?=\r)=?K8?F̱>?^S??Xj@?bFx{@?VL@?¾DA?/nB?vꭁB?ZQfC?Za/D?óE?N ^E? jF?{H?a+eI?ŸJ?[[%XL?zN?qO?MjhQ? I'R?'@jS?ϹT?mUYV?d< X?ɐcY?1߄B\?0DK^?V`?K|%b?gd?IZg?mk?d1n?kq?խs?fu?߆x?+i7>{?)"*~?ϣ?%Z?aũ,??nK3?S*g?X?$&[X?d"<?oH?{flt?yzL?*D?m ˟o?ÜM?E?\m? >??xWf,?Oϻ0?Q/I?fOs?axwd?zNzx?' b?/f?,?{\&?u?T??5bfǨ?7i? b?Q?y 5?? ??0'%1963 US Buck Mortality Table - Female_A4John Kalnberg, 75442,3532 Theresa Ruiz>Experience of employees large industrial clients pension plans`2,302,911 Active life years total male & female 229,997 Pensioner life years total male & female `the 15th Edition (1965-66) of the Proceedings of the Conference of Actuaries in Public Practice. /Buck stands for George B. Buck Consultants Inc.  nn(t^c*?Oʤ6+?2+?pDk,?RG.?Z H/?VL0?/n2?8j33?=Զa4?8*5{5?Ǻ6?VF?8?.9?Oʤ6;?"?@?]A?qnC?_LE?OYM]G?u6I?PlL?!JN?+SP?BR?MPT?r#DV?(XQiX?M#~Z?<2VW]?Owx`?[A+a?{%9`Wc?m3e?2Ǟ=g?:[@h=|i?VIk?$W@n?$p?gejr?fI-t?_vOv?VF?x?&75z?Wf"}?cDв?rZ| ?Y-?X?[8 ?Ǚ&l??I? Q?K?nQfL2?F?7{֕?Dk?4-2?̙ }?Ӻ j?{Cr2?"[AӢ?iWV?&?Cr2q?y?lu?5x"?碱?;_E? } ?, ?6;R}?Rb?k=]ݽ?Z G?F~?DKO? eO?;]?v$$?R~R?9?U+~?Qi>"?ݓ?};?]0?G( 5?S.?rJ@L?P%?2Q?" >?ŬC9Q?+*Z^??&&y'#1963 US Buck Mortality Table - Male`A4John Kalnberg, 75442,3532 Theresa Ruiz>Experience of employees large industrial clients pension plans`2,302,911 Active life years total male & female 229,997 Pensioner life years total male & female gthe 15th Edition (1965-66) of the Proceedings of the Conference of Actuaries in Public Practice. /Buck stands for George B. Buck Consultants Inc.  nn(3.?DI?m2K?zM?O?¾DQ?g /S?| U?&|W?&"dTY?*ø[?IӠh^?-\o`?j>"Db?1=ad?1E4~e?Ah?z7ej?ם͡? x|?遏S?t!V?n燩?3Q?x`C?upx?7h>?VI?uŵ?4M~2Ʒ?0?oN?Y޾?L5?g?R?1?QU?WZF=?fE??%"?|ԛQ?n\?(?Gҿ$?ME*-?gy?*]?P,cy?1%e?j@+0d?N?,A?ؗl? W?䠄?,}?u&?|\?$+?( y?#-#?`TR'?qWs`?_9?q@?V+~?k?bE ??tA}˜?$([?c=yX?($ɧ?e-?g?Cfڮ?R񘁪? r?c@z?e1?bE ?~:3P?[B>٬?bՐ?eI)?,dǦ?3ı.n?r߉Y?t^cު?NbX9?tF_?(IL٦?`TR'?9]?ϛT? )"*ި?Է鲘?Ǻ?nꐛ?uݯ?겘|\?oӟH?M֨?Ae ?6?#0?X0_^?QHm?('$?(rw?xZ?bհ?#0? 8?Ah:;?~k ?XG?rZ| ?&?3mJ?P?~oӟH???E?? m9?/oe?9 {ᯱ?_LJ? ?]Fx ?ho?q>??89@0?9 p?.4׹?ah?L1?}"?QI?d? +? ?6T7?{ʄ_?1%?e?r3܀?x@?t//?:X0_?Vc?W&R?o?+E|?wۅ:?S"?Q? K?+eX?䠄?QQ?:T?&Nw(?҇.?Hm~?#-#?s? +ٮ?_YiR?Ac]K?xĬ?׻?ޫ?pUj@???ݓ? r?k?,dǦ?wkF=?E*-9?)"ê?,Ԛ?[[%?HV?yZK?kCŰ?~ ?A4F? r?HQ,?m"? rh?yS c?Ral!A?Z ͨ?du?-臨?WCK?d@zǫ?B?gaO;5?IZ֧? ?3P>??x=?|a2U0?}"O?mnLO? 1Z?y?)"*Ȭ?%䃞ͪ?ctv28? W?V+~?i&k?:KTo?Ͻ?<,Ԫ?N ^?*ڷ?0*?F6?S?o*Ra?O],σ?{,}肪? ?gyܝ?i:;%?N`?FjH?pnꐫ?k)3?J8?o*Ral!?խ?vN#?ua?mJR?s߉Y/? ^)˰?Ǻ?KW[?\m?j?q?s׶?Vy?Oz1?0_^}?-s??4i?Tt?E|'f?]wb֋?JR?H}?ҩ+y?=aM?n/iֹ?Hm~?x@ٔ?wW?JY8ֽ?Wc#?$+?fa?+ݓ?t//>?@ޫV&?6qr?E a?`p?Bf?AH0[?jMS?U]o?qqt?s?Z/r]?x?:X0_?Vc?W&R?o?+E|?wۅ:?S"?Q? KVf?_vj.7h?T^ Pj?>s֧l?VCKo?}<ݭ,q?#=r?P<u?Zd;Ow? .V`z?Д}?? ‡?*)?BK8? X?+/݋?w~܎?6XO?,o?r30?Z_&?|+?M ?.5B???2(?k3 ?g?&?lv/?~NZ?m;mƵ?z):˷?|гY?_#I?[Y̾?wf\?\$??u?L0?.V`?}9]?p^}?_>Y1\=?صݒ?4Lm>?VDׅ??<-?p'@?ti@?(֩=#A?+ٱA?ܠ[;QB?dC?=C?_% D?TsPE??$DF?1G? WH?T^ PJ?rQ-"K?p[uM?^SO?-\oP?oQ?r S?^ PjT?}U?|W? OmY?J y[?RH2w]?_#I`?|b*3b?+d?ˆ5Eag?CYZj?Lo.2n?6ُq?8:V)=s?}͑u?d< x?uݑz?մi{}?Ҩ6?x #?0-a?4f?Gֆ?r Oƈ?{0)>>!?Ψ*؍?I m?f ?~Γ?[1Е?)?68ښ?fO7P?qd?uoEb?Rq?ea? 7è?zrMΪ?? 2&?kF?;7mi?s|8c?[? yrM?!o?1#=?X xa?س?>$?/עh?=]ݱ?T[?obHN&n?Z_$?q<f?؀q?mXSYv?M?ti?_?Y!??Pn?EJE?镲?CmFA?Fu:?4?a?KKƱ?$;܎?N?v~k?ᖏ??TU'1971 US GAM, Female1ARoger Scott Lumsden 75147,2620 Empirical +1951 GAM projected 15 years on Scale D (new) as 1966 Experience 9% margin was added (really subtracted) Result projected 5 more years by Scale D The official table runs from ages 5+, unofficial extension values for ages 0-4 were added by R.S.Lumsden using the standard extension of a-1949 as a base. "TSA, Vol XXIII, Part 1, pp 569-604 Group Annuity valuation tables for USA These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line GAM stands for Group Annuity Mortality  nnxC-b?!JN?`??9̗7?d3?F̱.?/PR`L)?@fg;%?d?H"?t>9?*6u!;?K8?O!WY@?c wA?.2B? FC?QTE??F?~jtH?MqJ?DJyL?4LmN?@wԘP?J]2Q?qnS?yTU?U2TqV?"ߥ%X?4`[?&P"]?z`?Ta?r c?MۿҤd?8nf?@mh??J(}!?ZkBZ?{0)>>!?5Ea?rfB?[u? pU?\ ?D+g?}1Y? m9?0C ?Ie9:??| Vj-?8@?ڊe?!%̴}?"4? /H??אG'1971 US GAM, Male2ARoger Scott Lumsden 75147,2620 Empirical +1951 GAM projected 15 years on Scale D (new) as 1966 Experience 7% margin was added (really subtracted) Result projected 5 more years by Scale D The official table runs from ages 5+, unofficial extension values for ages 0-4 were added by R.S.Lumsden using the standard extension of a-1949 as a base. "TSA, Vol XXIII, Part 1, pp 569-604 Group Annuity valuation tables for USA These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line GAM stands for Group Annuity Mortality  nnx%:j? XrT?=mG??̔B?p>?@?$Di=?rQ-";?d7i:?.9?q4GV~9?'>9?d!::??Ŋ:?=E~;?2;?̶ֈ`?`??bFx{@?1{vA?fLgA?B?֪]C?`HD?_LE?[ iF?1G?I?uoEbJ?3.L?zN?aP?(֩=#Q?VSbR?O'S?+~7U?U2TqV?Pi4X? fLZ?EׅO]?Mb`?Bb?5x_ e?. g?Y.k?yUgn?uʣaQq?'@js?bu?x??Ŋz?~31}?f+/?0(hr?İØ?4yS?L?L0k?X_"ފ??c>?ԑ?K;?0r.ŕ?)5?~6rݔ?u?A}R?`R||?({?]~p?kzP?9?㿼?зKu?t.?k?@:s ?oDI?;ŪA?Rԙ{H?a?辜ٮ?@ C?:3P?R||Bv?:Fve?4Op??bX9?Q?j?jjZ_$?0AC?|A?`8 ?rJ@LB?Rd?:?lF=D#??M]k'1971 US IAM, Female3ADRoger Scott Lumsden 75147,2620 proofread by Hugh Schugart 73462,164aAges 60+ US Joint Mortality Committee experience, Individual annuities, all durations, most types8Exposures 1.9 million contract years, Deaths 67 thousand71963 to 1967 for immediate, 1960 to 1965 for settlementAmount of annual income Jenkins interpolation to get 1963 experience table Projected from 1963 to 1971 10% margin was added (really subtracted) Ages under 50 from 1971 GAM Gap between bridged by 4th degree polynomial Ages 56+ given final Whittaker Henderson smoothing The official table runs from ages 5+, unofficial extension values for ages 0-4 were added by R.S.Lumsden using the standard extension of a-1949 as a base. "TSA, Vol XXIII, Part 1, pp 475-550 WIndividual Annuity valuation tables for USA IAM stands for Individual Annuity Mortality  ssC-b?!JN?`??9̗7?d3?F̱.?/PR`L)?@fg;%?d?H"?t>9?*6u!;?K8?O!WY@?c wA?.2B? FC?QTE??F?~jtH?MqJ?DJyL?4LmN?@wԘP?J]2Q?qnS?yTU?U2TqV?"ߥ%X?4`[?&P"]?z`?Ta?䞮Xlc?e?y'Lh?msk?ÜMo?4GV~q?Zms??a'v?F@#Hx?c3%{?}?>̔?H`? -?Op?(@??1е/?=N?X٬?翧?[:?-@j?oe1?n?X?%= Nθ?5>? x|{?qxܙ?!3??o*Ral?NoD?R h?t}?5BX%?<$?Z!?6?Ң>? } ?I?Q9?hW!?Yr?Y,E?Q֥?؜gB?[?@?$Di=?rQ-";?d7i:?.9?q4GV~9?'>9?d!::??Ŋ:?=E~;?2;?̶ֈ`?`??bFx{@?1{vA?fLgA?B?֪]C?`HD?_LE?[ iF?1G?I?uoEbJ?3.L?zN?aP?(֩=#Q?VSbR?O'S?+~7U?U2TqV?Pi4X? fLZ?EׅO]?Mb`?Bb?5x_ e?. g?Y.k?yUgn?uʣaQq?'@js?bu?Gŧx?0{vz?N}?m?םY1\-?iUMu/?0?fLg1?,am2?u 4?@fg;5?HSȕz6? !7?Ah:;9?!:?̶ֈ`?a@?C8 A? I'B?֪]C?D6.6D?_vOF?pG?a+eI?'eRCK?nSM?M.:O?MjhQ?WmUR?=S?ُaU?7k*W?K?2Y?zю[?_vO^?`?xy:Wb?iWVd?%S;f?zލAi?ik?Y+n?efbp?5l/r?=ϟ6s?ZK)u?Nwxv?E|'fx? y{?q>?~??Qـ?,am?G 6?ZD?=N?PO?? Rr?ph?8~4?L?%P?,?ꐛ?,PO?qt?p-ޣ?UlC?d?_Ы? H?f2g@?@iQH2?LLb?3۷?+O ?TVD׽?ƄK?0|DL?pWs?Hm~?0e?3ou??'jin?AN?XC?s ]@?UL?&p?3d?$?Q??oH?Z?YoC?z6>W[?'?E?^K=?A_z?YZ??'1973 US IAM Basic, Male6ARoger Scott Lumsden 75147,2620ESOA Intercompany study on individual annuities and settlement optionsMale+Female there were exposures of 612,356 contract years and $547 million annual income years Deaths of 35,000 contract years for $25.6 million annual income years TSA 1979 Reports pp 120-219 attempt to explain the volume, as a rough guess, it's 2/3 female 1971 to 1976 Annual Income Pension Trust issues were excluded. Experience above 60 was derived in 5 year age blocks that were then graduated with Jenkins 5th difference osculatory formula. A cubic closed the table to 1 at 115. Experience ages 47 and lower from 1971 IAM divided by 0.9 Cubic between 47 and 67. Then regraduated by a second Jenkins 5th difference. The official table runs from ages 5+, unofficial extension values for ages 0-4 were added by R.S.Lumsden using the standard extension of a-1949 as a base. TSA XXXIII, pp 688 PExperience table underlying 1983 IAM IAM stands for Individual Annuity Mortality  ssdm?kHcCW?I?h㈵D?מYB?&5@?>?_>Y1\=?N=?8fٓ?Y+>?{gUId??Fn1@?&5@?(֩=#A?+ٱA?ܠ[;QB?dC?FCƣTC?V6oD?TsPE?6w\F?1G?H?#fF?J?{\&K?PlM?W:O?&5P?h Q?6:R?<+i7T?&:,BU?bLLW?[X7Y?t? ?[?]?RC `?b!b?u;ʃd?Ag?+mj?Wzm6Vbn?iQq?oJyr? հt?N6v?4($y?e`{?V-}?-( ?E>?t#,*t?8h?NA~6r݄?£#?ZD?8C?K?ET?Z}uU?T[??c3? À%W?>r?rSr?˝`8נ? ^?f?ٲ|]?C|?˪?)TPQ?j! ?Qi>?#:?2 n?fv?~oӟH?sDK?Q/4'/?πz3j?PoFW?C3?C|?2?$ nk ?B'?̵hV?;H?>٬\?>tA}?ݑ?ME?>uRz?5Φ#?5'/2?U{?T Z?ɫs ^?we?ltO?D$]3? X?MG?r9?o,( 4?V?V W@?;??C'%1974 US Buck Mortality Table - FemaleaA4John Kalnberg, 75442,3532 Theresa Ruiz>Experience of employees large industrial clients pension plans^2,513,005 Active life years both men and women 557,163 Pensioner life years both men and womenPlan Years 1969 through 1972 gthe 24th Edition (1974-75) of the Proceedings of the Conference of Actuaries in Public Practice. /Buck stands for George B. Buck Consultants Inc.  nn(9̗'?9̗'?9̗'? W(?-C6*?yCn+?K8,?iUMu/?Mb0?+ٱ1?מY2?מY2?a2U0*3?h㈵4?q@H6?9̗7? W8?-C6:?3.?Mb@?/nB?a2U0*C?_LE?9̗G?I?"L?iUMuO?J4Q?HPsR?MۿҤT?#-#V?E|'fX?t^cZ?=\r)]? x#_?J4a?vꭁb?MPd?EV f?c#g?[| j?[[%Xl?!Jn? ^)p?}"Or?QNs?UwEu?,+MJAw?y?lxz,C|??W[~?M? a?Ku?I +?+e?yCn?XL~?=?7̒? [?z6>?B`"ۙ?̯?L;?P>¡?'kC4?1%?Fw;S?A 3m?ʡE? F%u?5#b?"-R?yCn?NbX9?-i&?.ǽ?hUM?5;N?k&ls?K7?}"?46Experience of employees large industrial clients pension plans^2,513,005 Active life years both men and women 557,163 Pensioner life years both men and womenPlan Years 1969 through 1972 gthe 24th Edition (1974-75) of the Proceedings of the Conference of Actuaries in Public Practice. /Buck stands for George B. Buck Consultants Inc.  nn( W8? W8?'>9?yCn;?iUMu??vꭁB?8*5{E? WH?3.L?*g\8P?]Q?U+S?3fS?MPT?a2U0*S?vꭁR?/nR?/nR?/nR?5l/R?BR?HPsR?kC8S?׆q&T?/"U?_vOV?=mW?oӟHY?F%u[?=\r)]? x#_?P6 ra?U+c?/"e?kHcCg?N ^i?3.l?VCn?&pnp?Pyr?@j';t?bJ$(v? c AJx?%:z?uv28J^}?*g\8?|y?wR~R?£#?cbqm?{?O;5Y?eS.?4 ?BB?R? .V`?S.Q?TB??{Nzڣ?bg إ??|~!?}b?up>?M O?/?Ue?`vOj?ڧ1?>?Ϡ?ޓZ?ME*-?Eb?0_^?ME*?CQO?Ǻ??r.Ue?1|DL$?@j'?QOI??b]'1979 UK PA(90), FemaleUATony Hutchins, 100250,23476UK Continuous Mortality Investigations pensioners data 1967 to 1970Number of lives The Peg1967-70 female table was constructed by fitting q(x) to an LGM(0,2) formula The PA(90) table is Peg1967-70 projected 22 years to 1990 The projection assumes 1 year age reduction for 20 years projection C.M.I.R. 3, I MThe extension below age 20 may be unofficial. PA stands for Pension Annuitant  mmhvk 9? !7?N ^5?}r4?bD3?82?Ln1?0?PۆQ0?`/?iUMu/?En1/?ِf/?En1/?iUMu/?Z H/?PۆQ0?700? fh<1?O'3?O'3?O'3?O'3?O'3?O'3?O'3?O'3?O'3?O'3?O'3?O'3?k$ 5?DXP8?=E~;?ǜgK6>?{V@?[[!B?  RD?X|[TG?d!:J?wJL?Z'.+P?/nR?e7iT?eV?.X?[[?\4 _?]/Ma?Ly Hc?]E~e?gj+g?`E жj? m?Aȗp?ʉvR~r?tubt?_ ]v?}w+Kty?.5#|?2r?+ٱ?Ժ j?, ?mr?*O8?M?dTݐ?$ \Œ?)zc?Lp;?֙?"8친?,IEc?3w??eݥ?ׂC?^?zqҭ?kC4?48EG?N6?Vzm6V?8~?@7n1?En?kz?o ?LT???Pō[?78?TN?^Y-?PLۿ?͋?&jin?7>[??G5?;??Ȳ`?u!H?Jvl?ia?6qr??yt?G 6?s$ظ'1979 UK PA(90), MaleVATony Hutchins, 100250,23476UK Continuous Mortality Investigations pensioners data 1967 to 1970Number of lives (The Peg1967-70 female table was constructed by fitting q(x) to an LGM(0,2) formula Male ages below 56 were done by multiplying the female Peg1967-70 by ratios from ELT12 The PA(90) table is Peg1967-70 projected 22 years to 1990 The projection assumes 1 year age reduction for 20 years projection C.M.I.R. 3, I MThe extension below age 20 may be unofficial. PA stands for Pension Annuitant  mmhq@HF?MۿҤD?dC?R\U]A?Xj@?H}=?yCn;?-C6:? W8?VF?8?VF?8?VF?8?-C6:?!J>?x C??ŊJ?~oӟHQ?o'Q?ȗPQ?+SP?3ۃP?PO?dM?F%uK?(XQiH?HSȕzF?| E?y7D?t|8cC?Os"C?vꭁB?y7D? E?G?ɐcI?3OL?~O? =EQ?"[AR? XrT??W?N"¿Z?ʩajK]?Ip`?"[Ab?f|e?l# h?3Ol?PۆQp?[vr?L4HSu?p-y?'OYM}?€?AF?$@?n;?/ͮ?=?T?KP?X%?A?:V)=ӫ?֍wG?QH2w?ؙB?,26t? ?&0?]R߸?p<?/4'/2?ۼqR?dxg?ׁs?.;?l?&4I,)w?!'>?)$;?Z?uť?qqt?WWj?%[]N ?=]ݱ?? KExperience of employees large industrial clients pension plans7351,384 Active life years 123,463 Pensioner life years.Plan Years 1973 through 1977 gthe 30th Edition (1980-81) of the Proceedings of the Conference of Actuaries in Public Practice. /Buck stands for George B. Buck Consultants Inc.  nn(q@H&?q@H&?9̗'? W(?-C6*?yCn+?K8,?%.?iUMu/?Mb0?C8 1?+ٱ1?מY2?d3?a2U0*3?a2U0*3?MP4?8*5{5?q@H6?VF?8?-C6:?3.?C8 A?dC?_LE?kHcCG?I?3.L?!JN?p>?P?+ٱQ?dS?׆q&T?fʉvU?"V?VF?X?[| Z?3.\?O;5Y^?70`?מYb?׆q&d?9]f?E|'fh?S!uqk?Ws`n?St$p?sr?YLl> u?=mw?mz?ZӼ}?*g\8?r?uT5A?׻?ޫ?9(a_?d*g?P1Ώ?j̑?£#?+H3?E|'f?O],σ?`??4'#1979 US Buck Mortality Table - MaledA4John Kalnberg, 75442,3532 Theresa Ruiz>Experience of employees large industrial clients pension plans92,476,417 Active life years 450,345 Pensioner life years.Plan Years 1973 through 1977 gthe 30th Edition (1980-81) of the Proceedings of the Conference of Actuaries in Public Practice. /Buck stands for George B. Buck Consultants Inc.  nn(VF?8?a2U0*3?VF?8?3.?P?R\U]Q?]Q?5l/R?מYR?מYR?5l/R?/nR?]Q?]Q?/nR?5l/R?vꭁR?1ZGUS?׆q&T?_LU?"V?(XQiX??ŊZ?wJ\? x#_?na?1ZGUc?ُae?9̗g?i?"l?VCKo?6ُq?&Sr?]`7l[t?+H3v?VF?x?BBz?W!'>}?%?]ہ?Yn̓?EV ?E a?z6>W?~tgy?"7 ?3k?YLl> ?x]`?cZB>?ʦ?St$?To l`?4 ?ZӼ?ec]ܦ?(yu?}Y? Y9?TގpZ? r߱?O],σ?QH?HQ,?r@H0?1ZGU?CB?qt?<8b->?߉Y/?=~o?5 S"?&pn?Gr?{?BsF?fk}Ж?7?6q?`< ? tA}?a?!'>?1*?x( 9?sIv3?*ø;?$xC5?0&>??6?Mb@? W8?Tb.A?m2;?}!C?H'=?obHN&nE?_#I@?*Ŏơ~G?Tb.A?W9I?a2U0*C?RhL?8*5{E?VCKO?RG?$@Q?#fF?J?r S?&zL?óU?Z HO?};l"3W?uQ?N ^Y? +jS?[[%X\?qU? W_?ŭW?ْUa?z7eZ?n-c?,?2]?)r9e?<-?p'`?Zd;Og?ƊLa?o,( 4j?x c?1'h'm?ˆ}(Ff?*g\8p?5)^h?h r?2k?,t?/^|n?>Vv?1zn+q?x[x?7l[ s?S{?$Pu?~?#Ƥw?`? B͐*?DQOI?7-?)狽_?ͯ?m?\1е/? vöE?H.?]4dXƆ?bD??˚?:?qբ?^_ѝ?HR?_|x?S9)9?,s?Fǩ?a0?ps?ŬC9Ѧ?Rx캯?`-]?d?d9 /?5Φ#?‰O?@,?~b?wR~R?Ƃ L?7{?>hi?^hHK?6qr?"10?_YiR?ٯ;y?PS"??L?B,cC?Za^?R(1?:?q?lf?-$`?-]6?l<*?f,?4KԲ?Ԝ?6S!?]i?P)?|ʄ_?y?s4B?u?4KԲ?66;?RF;?g}1Y?)Bv?g?,9$P?4fO?X?~p?RZ?\5?7?Lݕ]08? S?~5h?x"s?|Cup?a^Cp\?6Vb4??\u'!1979-82 UK IM80 Male, Age nearestJSRoger Scott Lumsden 75147,2620,CMIR mortality studies, Immediate AnnuitantsDeaths 4,340 Exposures 48,9591979 to 1982 policy yearsNumber of Lives Age ranges were fitted independently to a series of formulae which are extensions of the Gompertz-Makeham (GM), using Chebysheff polynomials. Three different formulae were used for Select and two for Ultimate. Some of these were to make one table a multiple of another. SContinuous Mortality Investigation Reports Numbers 9 and 10 also JIA 115 and TFA 41 Standard UK table: Immediate Annuitants, Male Central year is 1980 for projection purposes. Note, I calculated an age 15 select value to fill out the table.  wdW99?R\U]A?70@?A Q?BDQ?P?PۆQP?aP?]N?RGN?x!M?VL?yCnK?4`K?[| J?.I?ꫫH?nHJzH?! _BG?FSweG??$DF??$DF?/ިE? E?óE?V_]E?hN?D?o +E?lXSYD?m3E?^ PjD?JΉ=E?10&D?y7F?V_]E?kHcCG?mUYF?ޏ/H?AA)ZG?uoEbJ?q4GV~I?TUh L?@_K?;fO?IӠhN?¾DQ?unڌP? +jS?lsczR?|U?óU?~QBX?W?-[?ฌZ?%Ί>_?UZ ^?n\a?VL`?ec?g /c?6w\f?h#M)e?-X xi?ӄ'c|h?$l?uʣk?*4p?)o?Udt@r?R%q?Lt?"s?&|w?n/v?r y?>x?4)}?0{?! >?9}=?b)?c w?`H?ׁ?N`:۠?rÅ?ur7?U@?b.?N?<Ӹ7?l6?֋hW?_#I?8 Q??|E^Ӄ?WyaX?$+ ƈ?Os?(%V?Դ?L6lۗ?ȷw қ?Ҥt{?eM?kMG7?[v?['.+?O9? R ?ϽK?m3①? QI?pe1?{b*? ?LuT5?#*?k&l?g?RD?S{mԭ?!yv?.m8?6!1脨??cM*?[A+?Mn?e##Դ?e?鹅D?׼Z?+?獓¼DZ?hx﫺?l, PS?U?c?9d?Ft϶?3?;OŸ?ޮp?n2 ?du?\Z {,?hhs?_|/?Xm_?f&?C?BB?Ӥt{I??74e?58EGr?Yjh?m%?[?ș&l??zw)u?me?0E4~?T:?Na?//>:?A_z?72?9?~31]??bFx{@?8ӅXA?X%C?JΉ=E?1G?d!:J?39AL?VDׅO?R\U]Q?U+S?>]ݱ&U?OYM]W?W9Y?}Az\?[~l_?Mua?BwIQc?@Û5x_e?>uRzg?xWf,j?2njl?~k, p?\tzq?Es?u?h,{x?*z?3ٲ|}?_Q?0?H'?A_?:TSu?? ۍ?2?D4ؙ?y8?ʅʿ?+J ?7/?r#D?iU?m]٥?4 ;?Օ?Hp?Ֆ:? ?|eުP?jO9?Sͬ?iƢ?H"i7?6p?m\p?PoF?Sy=?a4?Ƈ˶?eN?=HOC? ?ۻ}?\o?5#E?J.?Bʠ?:?k-B;?2=B?i3NC?k,am?3l?s`?? ?5'$1979-82 UK PFL80 Female, Age nearestFARoger Scott Lumsden 75147,2620ECMIR mortality studies, Life Office Pensioners with normal retirementDeaths 10,536 Exposures 336,8871979 to 1982 policy yearsNumber of Lives Age ranges were fitted independently to a series of formulae which are extensions of the Gompertz-Makeham (GM), using Chebysheff polynomials. Four different formulae were used for different age ranges. Some of these were to make one table a multiple of another. SContinuous Mortality Investigation Reports Numbers 9 and 10 also JIA 115 and TFA 41 ]Standard UK table: Pensioners, Female, by Lives Central year is 1980 for projection purposes.  ww@ܚt["7? !7?};l"37?56?q@H6?%6? 5?k$ 5?[5?}6?6w\6?ܚt["7?DXP8?RT:?() ?Nj@?fLgA?ZQfC?o +E?7k*G?a+eI?_QK?Y+N?unڌP?R? LnT?6w\V?"ߥ%X? ~[?cyW=`^? ^)`?K|%b?Z`d?T gf?4($i?ik?%n?C8 q?}֤r?kc섗t?Dhw?aUNy?oN|?͎T?HV?g /?H5:?W}?&?Իx?n?-Ӿ?$ŋ?tp?,)w㣕?D)?0q ?eM?B?0J_?bd??}֤۪?g~5?[rP°?Zg|_\?`D?h[:?0 f?BW"P?JU?]?_?x#??whh?ht3?J`s ?Af?_y"?7w?fܶ?? dvS?x'2??N?? SK?K'?M#E?\o?GC?){K9_?`>?YO0?Q? /?\nK?'I?W\? Y>??-W??Z?Ɍ^?'x'"1979-82 UK PMA80 Male, Age nearestEARoger Scott Lumsden 75147,2620ECMIR mortality studies, Life Office Pensioners with normal retirement1Deaths 20 million pounds, Exposures 446.7 million1979 to 1982 policy yearsAmounts Age ranges were fitted independently to a series of formulae which are extensions of the Gompertz-Makeham (GM), using Chebysheff polynomials. Three different formulae were used for different age ranges. Some of these were to make one table a multiple of another. SContinuous Mortality Investigation Reports Numbers 9 and 10 also JIA 115 and TFA 41 ]Standard UK table: Pensioners, Male, by Amounts Central year is 1980 for projection purposes.  ww@R\U]A?4LmN? -M? LuK?ɐcI? ĭH?};l"3G?%F?  RD?u D?bDC?m)B?ܠ[;QB?uB? I'B? 8KrB?r C? FC?$xCE?>+NF?ޏ/H?=E~K? M?$ -P?m)R?cJU?nYk(W? fLZ?CO}:^?Ma?`UNc?x$^e?.h?{\&k?rfBo?iq?FCƣTs?w ,v?Ox?/5B?S{?Q~?M?~g ?RAE?j0 LJ?ฌ?ɍ?Yf?~p>u? [?Wya?ܴ!?jkD0.?vE?: ?g 2*?h8e?zȔAը?p|?:X0_?x]?5D o?x-;??3M~2?H?Y#?25 ޼?.R( _?‚?$wDf?x?mV}b?ᔹ?DM?WmU?v? ~b?n?8+?g?hW!?&ǝ?fF??عi3NC?#u?.?Nw( ?]u??>6?"5b?p^jG?zcT?섗?"M?lp?#.%?fR@??뉮 ??Yni5$?Ko.?JCB?'ei?#h$?p'"1979-82 UK PML80 Male, Age nearestDARoger Scott Lumsden 75147,2620ECMIR mortality studies, Life Office Pensioners with normal retirement#Deaths 85,426 Exposures 1,377,059.51979 to 1982 policy yearsNumber of Lives Age ranges were fitted independently to a series of formulae which are extensions of the Gompertz-Makeham (GM), using Chebysheff polynomials. Five different formulae were used for different age ranges. Some of these were to make one table a multiple of another. SContinuous Mortality Investigation Reports Numbers 9 and 10 also JIA 115 and TFA 41 [Standard UK table: Pensioners, Male, by Lives Central year is 1980 for projection purposes.  ww@y7F?a2U0*S?xy:WR?4GV~Q?ӹP?^SO?dM? :!t%L?ŸJ?u6I?4 ;H?c#G?FSweG?7k*G?t ;G?9̗G?:YXH?duI?Oʤ6K?wJL?VDׅO?uʣaQQ?U+S?-YU?c#W?KUZ?0DK^?1{va?={.Sc?|e?h?Kk?&4I,)wo?]aq? s?Xyv?x@y?E| V|?f?nݳ?խ?SVӅ?`U,~S?J(?n0a[? ?/x?j]? |(?efb?r#D?s|8?ESw?A{п?n)"?d*g?cՐ?71$'?"Jv?K?qdP?z?iƢd?{"07?뉮 ?MJ? p?40&?+-?6XO?$z?*ʥ ?~*O ?@7n1?%ZxZ~?n4?) 0,?t%z?w?[A+?]?.9?J? *?QU?Oc?T ?9m½?.Ȗe?! ?Os?'#1979-82 UK WA80 Female, Age nearestIARoger Scott Lumsden 75147,26208CMIR mortality studies, Widows of Life Office Pensioners1Deaths 238 thousand Pounds Exposures 15.9 million1979 to 1982 policy yearsAmounts Age ranges were fitted independently to a series of formulae which are extensions of the Gompertz-Makeham (GM), using Chebysheff polynomials. Five different formulae were used for different age ranges. Some of these were to make one table a multiple of another. SContinuous Mortality Investigation Reports Numbers 9 and 10 also JIA 115 and TFA 41 SStandard UK table: Widows, by Amounts Central year is 1980 for projection purposes.  ww@a2U0*3?ǜgK6>?Pl=?K8Y1\=?>?p>?@?fLgA?ٓ?m?huX?"jG?Vn2 ?kЗ??W"?-%I(}?am?v??mT?? ??唀?yߢ?0?MX?PPV?ߠx?Nj?՗?XVn?jQL?MLbG?S!?T?ӣ??#,*t?37?Y8? X?:*?S?D4ؙ?gED? ?r?'?/J_?dF ?1%e?#070?>N?M~2Ƈ??M(D?() ?37߈?Uj@?䠄?q4GV? '#1979-82 UK WL80 Female, Age nearestHARoger Scott Lumsden 75147,26208CMIR mortality studies, Widows of Life Office PensionersDeaths 692 Exposures 28,386.51979 to 1982 policy yearsNumber of Lives Age ranges were fitted independently to a series of formulae which are extensions of the Gompertz-Makeham (GM), using Chebysheff polynomials. Six different formulae were used for different age ranges. Some of these were to make one table a multiple of another. SContinuous Mortality Investigation Reports Numbers 9 and 10 also JIA 115 and TFA 41 QStandard UK table: Widows, by Lives Central year is 1980 for projection purposes.  ww@3.hI?u? ?? c?O0?3)'1980-89 Colombia ISS, FemalelA:Javier Suarez and Jose F. Rojas, 104551.43@compuserve.com@Actives and annuitants from Social Security Administration files 1984 to 1988Number of lives OCrude rates graduated using model life tables for developing countries from UNO <Res. 3664/92 ISS (Colombian Social Security Administration) Even though the name refers to the period 80/89, the observation period was 84/88 Adopted for annuities ISS stands for "Instituto de Seguros Sociales"  nna2U0*3?q@H6?'>9?3.?Mb@?+ٱA?vꭁB?x C?_LE?#-#F?9̗G?'>I?t^cJ?"L?6YM?iUMuO?70P?+ٱQ?U+S?MۿҤT?q@HV?*5{X?[| Z?3.\?O;5Y^?7T7`?/nb?Nz1c?fʉve?kHcCg?Ah:;i?겘|\k?m?mo?6ُq?;Onr?Nz1t?EV v?5x?BBz? X4}?*3h?4c?@ޫV&?MۿҤ?m?ض(A&?h:;?iUMu??ʡE?ԕ?*5{?g u?#0?{ʄ?.Ue?rmo?{Nzڣ?-s,&?5ctv2?|%j?>'I׬?9dw?|a2U0*?}гY?i&k?fC?PC? m??Ƽ?VHIO?Z ?P1߄?J?C4?UHI?jZ_$?cC?_5!?[tYL??!7 ?"Jv?m?HĔH?VF?? N?bh?4c?|a2U0??E>'I?-R\U??/'1980-89 Colombia ISS, MalemA:Javier Suarez and Jose F. Rojas, 104551.43@compuserve.com@Actives and annuitants from Social Security Administration files 1984 to 1988Number of lives OCrude rates graduated using model life tables for developing countries from UNO <Res. 3664/92 ISS (Colombian Social Security Administration) Even though the name refers to the period 80/89, the observation period was 84/88 Adopted for annuities ISS stands for "Instituto de Seguros Sociales"  nna2U0*3?Ǻ6?-C6:?H}=?Mb@?+ٱA?dC?MPD?N ^E?kHcCG?VF?H?I?m2K?K8L?H}M?!JN?*g\8P?C8 Q?5l/R?1ZGUS?T?QfL2rV?~jtX? .V`Z?y&1\?VCK_?C8 a?vꭁb?1%ed?9]f?(XQih? {j?H}m?*g\8p?]q?a2U0*s?gsu?Gŧx??Ŋz?YBs}?hUM?Q,?x ?bJ$(?)s?l[?|?TގpZ?ƊL?NGɫ?/$?9m4?N ^?[Υ?Bi?q -?Q?խ?[[?E>'I?4R? q?ё\C?hUM?|?5^?/ ҌE?ԕ?D? '?cغ?UD ?`Ù?}ƅ!?ަ??^c??u?0/>:u?>>tA}?}"O?j?46'I?-R\U??E'.1982 US Buck Teachers Mortality Table - FemaleeA4John Kalnberg, 75442,3532 Theresa Ruiz;Experience of employees in State Teacher Retirement Systems92,314,678 Active life years 617,800 Pensioner life years.Plan Years 1975 through 1980 gthe 33rd Edition (1983-84) of the Proceedings of the Conference of Actuaries in Public Practice. /Buck stands for George B. Buck Consultants Inc.  nn(q@H&?q@H&?9̗'? W(?-C6*?-C6*?yCn+?K8,?%.?iUMu/?iUMu/?Mb0?C8 1?C8 1?+ٱ1?+ٱ1?מY2?מY2?d3?a2U0*3?h㈵4?8*5{5?Ǻ6?VF?8?-C6:?K89?-C6:?3.?9b->?:dw? 8?n4?b֋h?ƿϸp ?9zަ?z6>?u??oG '1983 US GAM Basic, Female;ARoger Scott Lumsden 75147,2620?Insured Group Annuity experience of Prudential and Bankers Life6Female looks like over 250 thousand life years exposed<1976 to 1980 for Prudential, 1973-74 and 1980-81 for BankersNumber of Lives 1966 Group Annuity Basic rates for Quin Ages were projected 17 years with Scale Z Jenkins 5th difference applied to ages 35-85 It's vague about how they did the other ages in 1983 Group Basic TSA XXXV, pp 859-899 KExperience table underlying 1983 GAM GAM stands for Group Annuity Mortality  nnP W(?}r$?1zn+!?IӠh?3O?() ?IӠh?3ۃ ?+ٱ!?Os"#?}r$?k$ %?};l"3'? ĭ(?RT*?yCn+?i:-?mO.?Mb0?R\U]1?gej2?A3?MۿҤ4?N ^5?X|[T7? W8?y:?J>?Fn1@?ْUA?E&HB?kC8C? XrD?HSȕzF?_vj.7H?RTJ?k6L?O;5YN?efbP?VSbR?${!UT??$DV?X? iTd[? ]?PۆQ`??RDUa? 3mJc?yTe?ŦB g?si?J>l?K=Uo? 8@dq?IaLs?Afu?4w?E_Az?!q}?Os"?v/Ɂ?7L4H?f?|~!<ڈ?'.?Os"?P2b?qi?S:X?hɿ?vX?9#J?s{E?6 B\9{?T-?MNϻ?`7l[?0 X?I'?N?0C ?ɯb?&?F~,?!6X?)h?릔?y? ??R'1983 US GAM Basic, Male<ARoger Scott Lumsden 75147,2620?Insured Group Annuity experience of Prudential and Bankers Life4Male looks like over 700 thousand life years exposed<1976 to 1980 for Prudential, 1973-74 and 1980-81 for BankersNumber of Lives 1966 Group Annuity Basic rates for Quin Ages were projected 17 years with Scale Z Jenkins 5th difference applied to ages 35-85 It's vague about how they did the other ages in 1983 Group Basic TSA XXXV, pp 859-899 KExperience table underlying 1983 GAM GAM stands for Group Annuity Mortality  nnP W8?ܚt["7?%6?obHN&n5?@fg;5?_L5?&:,B5?30&6?6w\6?&|7?17?VF?8?.8?.9??Ŋ:? Lu;?"?<-?p'@?r&"@?x #A?vꭁB?O'C?'D?}F?*Ŏơ~G?I?Q,J?صݒL?VCKO?3ۃP?+&|Q?6:R?fvT?I +V?g^X?~[?.s,&6_?ٕa?հc?G|f?a+ei?Đl?f+/o?v/q?_=[s?Uu?w? U1~y?ҏS{?Bp-~?c'>?_zsѐ?"?faք?qTn?KqU?٭e2?3?]a?"T2?Uq7?ԱJ?.[v'?àL(?]pX*?rQ-"+?H}-?^S/?ӹ0?t>vG?a+eI?/K;5K?x!N?p>?P?`s MR?7ZDT?dTkaV?cbqmX?ԜZ?3&c`]?cDв_?R\U]a?eI)b?ܸd?*Qf?Lpvki?<͌~4l?Um77Mo?F^_q?qsCs?Ih˹Wu?d??c?4($? ?Tt?Z H??H[@?x #A?d?HB?!C?/"E??$DF?d< H?I?3.L?RH2wM?1?74eO?ȗPQ?g,{R?`HT?QfL2rV?JóY?h:;\?1?74e_?m3a?>d?^/ f?<ܴi?Kl?E2p?h q?2ys?_Lu?eS.w?Py? y{?k=}?H?1zn+?am?V6o?=@̆?-s`?sf?cDв?}b:?SQG?T2Ö?fi?p0? 6u?.Ue?ՐǢ?;Mf?@kզ?3IbI?4c= ?_b,/?v/?J^c@?%"ܴ?ݶ?ڊe?l%?Hg`e?($ɿ?/"?,Ip?>rk?E ;I?m)?'>)?]pX*? iTd+?3O,?_>Y1\-?k*..?D?@?*3A?Q+B?+D?[E?G?:8؛H?d7iJ?39AL?En1O?MQ?}֤R?  RT?OYM]W?cM*Z?Քd]?\J`? 8Krb?&Bd?zƾdf?0i? Luk?J zm?!9Up?x #q?h>nKs?Ot]t?Gv?#ux?S!uq{?_=~?{E{? a?sv?};l"3?G˵h?MI*?VIddY?rJ@L?,o?v>XƖ?}W[?j1>?CVzNz?'>?Z8?Xޥ?dZZ?ݙ s ??M֨?r-?ّ?!ƽ?E?+ٱ?޻?@̘5?ge?ȳ?c('UH?t^c?|E{?Ά3?%?D~?YZ?TD[?67'?w?mR? 0*?y|??g\S ?#E??k6?lY.?Ͻ??Md'1983 US IAM Basic, Female7ARoger Scott Lumsden 75147,2620ESOA Intercompany study on individual annuities and settlement optionsMale+Female there were exposures of 612,356 contract years and $547 million annual income years Deaths of 35,000 contract years for $25.6 million annual income years TSA 1979 Reports pp 120-219 attempt to explain the volume, as a rough guess, it's 2/3 female 1971 to 1976 Annual Income "1973 Basic experience projected 9.5 years. Scale for projection I called Scale F (p 693) Then a Jenkins smoothing and a cubic to close. The official table runs from ages 5+, unofficial extension values for ages 0-4 were added by R.S.Lumsden using the standard extension of a-1949 as a base. TSA XXXIII, pp 695 cExperience table underlying 1983 IAM before 10% margin. IAM stands for Individual Annuity Mortality  ss !`?PlL?i:=?8*5{5?]/M1?3.,?X|[T'?A#?A#?=#?}r$?V_]%?6w\&?v'?'>)? iTd+?_>Y1\-?^S/?700?x #1??̔2?u 4?_L5?#-#6?v7? Om9?t^c:?J>?<-?p'@?H[@?¾DA?5l/B?,amB?3fC?'D?"~ F?*Ŏơ~G?K?2I?4`K?ʩajKM?(ȯO?1zn+Q?[OR?lXSYT?vA]PV?~jtX?!'*[?h^^?ph`?E4fb?7ZDd?De?f?}zVh?L'j?8fٓl?{gUIdo?iQq?ʉvR~r?o}U.t?U@)v?OUx?'eRC{?cyW=`~?!K?Zg|_\?X+?rb?jdrjg?MW歊?&+V?!>@?:Ug$?G5\?t ?!k^ՙ?T8T?%?d?sHjdr?>W[?e4yS?6?G&jin?3ۃ?F?~dŴ?;_E?Q0c ?IJCR ?̱?X?S?E?Y ?lIF?Rq?I|@?q?EB[?hW!?㈵?[Ɏ@?Wc#?N(D!T?rl=C8?,c?P1?{JΉ=?tt?-D?Um77M?N@?KU?#)a??D '1983 US IAM Basic, Male8ARoger Scott Lumsden 75147,2620ESOA Intercompany study on individual annuities and settlement optionsMale+Female there were exposures of 612,356 contract years and $547 million annual income years Deaths of 35,000 contract years for $25.6 million annual income years TSA 1979 Reports pp 120-219 attempt to explain the volume, as a rough guess, it's 2/3 female 1971 to 1976 Annual Income "1973 Basic experience projected 9.5 years. Scale for projection I called Scale F (p 693) Then a Jenkins smoothing and a cubic to close. The official table runs from ages 5+, unofficial extension values for ages 0-4 were added by R.S.Lumsden using the standard extension of a-1949 as a base. TSA XXXIII, pp 695 cExperience table underlying 1983 IAM before 10% margin. IAM stands for Individual Annuity Mortality  ssnHJzh?8j3S?V_]E?]/MA?RG>? Lu;?q4GV~9?VF?8?u69?Ÿ:?rQ-";?pDk?mO>?1?74e??*g\8@?ti@?(֩=#A?+ٱA?ܠ[;QB?r C?3fC?:`D?/ިE?5F?AA)ZG?àLH?W9I?}EJ?_QK?A ]L?jM? ?O8?_YiR?? ?Ӻ ?ő"4?^J]2?dp?/\sG?6X?I:?A^?zS c ?C0?쟧??ȟٍ'1983 US IAM, Female=ARoger Scott Lumsden 75147,2620ESOA Intercompany study on individual annuities and settlement optionsMale+Female there were exposures of 612,356 contract years and $547 million annual income years Deaths of 35,000 contract years for $25.6 million annual income years TSA 1979 Reports pp 120-219 attempt to explain the volume, as a rough guess, it's 2/3 female 1971 to 1976 Annual Income Pension Trust issues were excluded. Experience above 60 was derived in 5 year age blocks that were then graduated with Jenkins 5th difference osculatory formula. A cubic closed the table to 1 at 115. Experience ages 47 and lower from 1971 IAM divided by 0.9 Cubic between 47 and 67. Then regraduated by a second Jenkins 5th difference. This gives 1973 Experience which was then projected 9.5 years. Scale for projection I called Scale F (p 693) Yet a third Jenkins smoothing and a cubic to close now gives 1983 Experience Table Then a 10% margin is subtracted to give 1983 IAM. The official table runs from ages 5+, unofficial extension values for ages 0-4 were added by R.S.Lumsden using the standard extension of a-1949 as a base. TSA XXXIII, pp 675-735 Individual Annuity valuation tables for USA These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line IAM stands for Individual Annuity Mortality  ssq>?^?q4GV~I?]pX:?A3?iUMu/? Om)?h㈵$?t>?{gUId??O!WY@?: vA?]A?Q+B?!C?o +E?e3F?DXPH?#fF?J?RhL?N?H[P?VSbR?Sr/0+T?y7V?~QBX?c3%[? ]?3ۃ`?L1%b?հc?gse?5|ݮg?c> i?Pll?$W@n?B=p?h.Kr?e7it?l+v?E ax?0a4+{?UZ ~?ek}?|b*3?&?t=х?YİØ? m?GS?"q]?\7V?~,?Ό~42??_[?g?-|}K?y]?B>٬?UPQ+?uV 1?[X7ޭ?àLŰ?>$|oв?C?om?c"ARoger Scott Lumsden 75147,2620ESOA Intercompany study on individual annuities and settlement optionsMale+Female there were exposures of 612,356 contract years and $547 million annual income years Deaths of 35,000 contract years for $25.6 million annual income years TSA 1979 Reports pp 120-219 attempt to explain the volume, as a rough guess, it's 2/3 female 1971 to 1976 Annual Income Pension Trust issues were excluded. Experience above 60 was derived in 5 year age blocks that were then graduated with Jenkins 5th difference osculatory formula. A cubic closed the table to 1 at 115. Experience ages 47 and lower from 1971 IAM divided by 0.9 Cubic between 47 and 67. Then regraduated by a second Jenkins 5th difference. This gives 1973 Experience which was then projected 9.5 years. Scale for projection I called Scale F (p 692) Yet a third Jenkins smoothing and a cubic to close now gives 1983 Experience Table Then a 10% margin is subtracted to give 1983 IAM. The official table runs from ages 5+, unofficial extension values for ages 0-4 were added by R.S.Lumsden using the standard extension of a-1949 as a base. TSA XXXIII, pp 675-735 -Individual Annuity valuation tables for USA Please note that male ages 41-42 on Table 16, p 709 are typos These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line IAM stands for Individual Annuity Mortality  ssEV f?$@Q?֪]C?En1??W\T;?ꫫ8?Ǻ6? 5?&|7?{8?yxρ9?W99??Ŋ:?m2;?_Q;?"?mO>?Z H??p>?@?J4A?Tb.A?vꭁB?AC?=ԶaD?_LE?n/F?&|G?G?H?I%rI?B͐*?dƽ? ?!*C?oe2?G?W\T?2L?DJy?7L4?y# ? ?7N ?>V?QU?~NA~6?y8?I*SA?Ps"?x0DN?+,?'3Vz? ?_!seP?H5C?t%e?J\Ǹ?H'@??S'%1984 US Buck Mortality Table - FemalegA4John Kalnberg, 75442,3532 Theresa RuizAExperience of employees at large industrial clients pension plans7473,137 Active life years 214,792 Pensioner life years.Plan Years 1978 through 1982 gthe 35th Edition (1985-86) of the Proceedings of the Conference of Actuaries in Public Practice. /Buck stands for George B. Buck Consultants Inc.  ssPa2U0*#?h㈵$?h㈵$?q@H&?9̗'? W(?-C6*?K8,?%.?iUMu/?C8 1?+ٱ1?מY2?a2U0*3?h㈵4?8*5{5?Ǻ6?9̗7? W8?'>9?t^c:?3.?Xj@?70@?+ٱA?מYB?1ZGUC?MۿҤD?N ^E?kHcCG? WH?t^cJ?=\r)M? x#O?R\U]Q?U+S?/"U?=mW?-C6Z?nS]?ezFw`?Bb?h㈵d?xĬg? {j?aodn?E>q?D s?_vOv?aۢy?[[%X|?N`? / ?MP?ͪՆ?tמ?y&1? ?]ۑ?j+ݓ?J4?b=y?ϛT?.R\U?aTR'?4Ry;?80? ?$+?Biq?!u?9dw??m?3mJ?ƿϸp ?%ǵ?rw?}tg?ղHh?sK!q?Pc*?LuT5? m9?#?%e?a2U0*?s?S\U]?%:?G?-xWf?5ctv2?ܝ.?vy]??߾?o/iQ?* ?;?x&1?IFž?:zަ??vۅ? ??# Z'#1984 US Buck Mortality Table - MalehA4John Kalnberg, 75442,3532 Theresa RuizAExperience of employees at large industrial clients pension plans92,462,318 Active life years 574,006 Pensioner life years.Plan Years 1978 through 1982 gthe 35th Edition (1985-86) of the Proceedings of the Conference of Actuaries in Public Practice. /Buck stands for George B. Buck Consultants Inc.  ssPמY2?iUMu/?a2U0*3?9̗7?3.?P?C8 Q?R\U]Q?R\U]Q?R\U]Q?R\U]Q?J4Q?r&"P?r&"P?70P?r&"P?J4Q?]Q?HPsR?x S?fʉvU?kHcCW?a+eY?@_[?_vO^?ezFw`?ƊLa?'@jc?h㈵d?mf?(XQih?&Kj?>?ml?Qn?PNp?5l/r?QNs?EV v?|~x?겘|\{?Q~?X5;N?jM?_vO?aۢ?"-R? ?Ps?]`7l[?^/ ۖ?RDU?:dw?Ϡ?Nz?UN@?f&?ܝ.4?$(~k?\wb֫?G?x?cbqm?߾3?&۳?oʡ?{ʄ?od?[닄?@ٔ+˽?9?wN#-?JiW?O],σ?˾+??s?=$?HV?d;O?q?gs?b(?V`?O|?sF?ɰ72?4O?mQfL?[wT?(yu?Y?מY?`?S?ypwn?{G?BC+?מY??`u'1984 US UP, Male & Female?ARoger Scott Lumsden 75147,2620vPublished mortality experience under non-insured pension plans Primarily TSA 1971 Reports on group life and pensioners;For Group Life - 95,465 deaths; for Pensions 118,942 deaths01965 to 1969 for life; 1964 to 1970 for pensionsNumber of lives BPensioner mortality rate for quin central ages over 65 was reduced buy 10% Group Life quin ages were used below 65 Quin ages 97+ rates assumed to be 1.5 times previous quin rate Individual ages between the quin pivot ages by logarithmic interpolation. The 10% reduction is considered to project the table from 1967 to 1984 TThe Proceedings Conference of Actuaries in Public Practice #25(1975-1976) pp 456-502 Unisex Uninsured Pension table for USA Produced in response to a Supreme Court decision that benefits paid from employer pension plans be the same for men and women. Table assumes 80% male and 20% female mix. To increase the male % to 100%, rate the age up by 1 year. To decrease the male % by 20%, rate the age down by 1 year. Consequently, UP(-4) is 100% female. These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  ooS%RW?MG7W?7k*W?mV?)H4"V?zU?.T?HS?zUgS?"[AR?)^R?2#R?h8enQ?ْUQ?h8enQ?|b*3R?kR?^f(7S?=S?"nN%@U?_V?>4aX?=Z?_>Y1\]?_? rha?Jc?  Rd?T:g?_xZi?VIk?΢w*n?4 q?@ޫV&r?!t?pYw?3`y?b.|?h~?|5Z?ؚ?MbX9?F(%?tBK?UW?{v?lY.Ï? k?n)"?R h?H0~?f}q?Vb?Rf`X?Q+Lk?ɡ?FI?q0 ?q:ɦ?QKs+ը?i?M O?>*?ǚ? 9!?v1ʹ?y?YI+?Pf?^-wf?,D@? հ?:?{?8@?)$NA?+X6B?1~ D?8*5{E?<ܔFZG?hI؛>I?C QK?+M?A| P?wDžhQ?oq'R?1ZrT?dv+?C8--?j[v.?[!cA0?'21?D92?&W3?"ߑ4?{-5? GN7?=ʱq8?oKXx:?O0{eg?ߩ@K@?zA?A< ujB?g +D?tE? XG?87%I?`K]l9K?vo;vz?hS? Jg?杷o?~\,[׃?1O?jJcv?>>1?F U?{Gz?j*?τ?T>*!?7N2?뻀i?A?#=:?Fc\v*?B u?}Φņ?iJ}?"z? ߇? Va.L?Gw?B@?uo@ȉ?_[?V߯?Sv㥋?ς{^?oׂ%?ՖI? 5s?#܏?|9t?H\?;* ?tJ?uG>0?&~dÓ?{wEx??Ty?PVsn?ژlv?7൒?7ę?9?6Qr?ݨs?F{L?x)t¡?֬ں\?+ ?:' ?+?yxKIA}?`M\?h?`,<?E"7:?(l?"Hj?:u?S:?jXw?,?5?k+?:?00?T?!?Bi?N|? 8?sSjh?_n?ή?oCaW`v?o sU?J?շU?|j8?h^N?[Z+k?`*g?)G?G6+$?l)?} ?hy# ? Ȃ ?m?$?e#'1985 Chile MI85, MaleQAKPrepared by Roger Scott Lumsden from paper data provided by John O. NighDisability Annuities I don't have much information on this table, some description in the SOA New Orleans Spring 1995 seminar "Measuring Mortality Risks in Mexico, Chile and Argentina" Record, Society of Actuaries Vol 21 No 1 - 1995  ss6H?GƏ?"L?NX ?[>?X5?5/3M?7g?'~?5zH?c*?L7A`?) ?=a2?^x]?;(w?Rμ?ۿ5?IS*?k/yng?qDfJŨ??Ѡ :?w;?*]-??==?Kv?j0 ?E6޽~?h?JJ}? ףp= ?<6ō?KTTC?! ?jŒͰ?}t? #OUK? R1?̙'?Pp?M0?OZK?eu1!t=?|{V ?b?yiI?r*,?ox?D̤?/¥?{-ْʦ?wy?h@虑?b?6mZ?MbHj{?`?"?0ާ8{?ޟ?A?c1?b:?DA?t{W?M0?s؇9dj?=35?"|$?!W?F?{܄i? ?Qi?Ηe?pdޔ?d"? 5SE?V?0*A0?dAߤ1?3=ֹ?jOOS?uW?I?K~??ŦP?N"?*omσ?l {?SMs?`?T/mb?Bd?^._e?=R&0g?\]4j?}Ezl?ONUo?"H$q?Uy!W?e?-d⧉?tG"?ybَ?:?hV8L?To謝?!y'ǖ?;:-?%;כ?m\C̞?,E ?Dėۢ?% ?b?6=V?:#klR? Y?7ņY? 53?XL=? fC5~?zBN?/?PWI?\S~?S,EL?x}]D?rLk?4|?$O?B ?+x<?G#i?T Z? b'1985 Chile R85, MaleMAKPrepared by Roger Scott Lumsden from paper data provided by John O. NighRetirement Annuities I don't have much information on this table, some description in the SOA New Orleans Spring 1995 seminar "Measuring Mortality Risks in Mexico, Chile and Argentina" Record, Society of Actuaries Vol 21 No 1 - 1995  dd(H5?U{)6?L26?O7?CY7?:x:8?|X`8?{9?̦cBQ:?2?\o$;?j! ?=J̃Y@??l=kB@?}b9@?')A?ÝԅB?:gjC?BxcD? sE?帒F?94G?![=I?ƼJ?x|qe-^L?m%N? Q P?5pYQ?;?l>R?kC8S?_qf+T?~FYV?-; W?@=Y?c1M[?2,]?hA`?ù xCa?kb?x]d?e? ug?543^i?sIesk?ڷm?5p?gpq?r?Dt?鞄=v?Ke$W"x?2z?$xSr|?1<~?Cd 6ǀ?c<;?2ѫσ?bf?Wh?`ZDr?^̿+?hx?$y[?5W^ɑ??R\U]A?a2U0*C?q@HF?Ah:;I?_QK?!JN?70P?]Q?dS?׆q&T?h㈵T? KY?Y?-C6Z??ŊZ?F%u[?yCn[?3.\?wJ\?%^?;f_?70`?ƊLa?1ZGUc?/"e?g?a+ei?1߄Bl?!Jn?p?+r?M Ot?I2v?a+ey?lxz,C|??"u??ӟH?Z ͈?:@0Gߋ?K=U?"u?@ȓ?+H3?VzNzߘ?\ʛ? Yݺ?!q?r߉Y?ZB>??5^I ?~@?jMSt?.9(a?c?Gɫs ?~oӟH?jWV?"?,g~?j4?jWV?ʡE?aۢ?@M-[? c AJ?0|D?BO}?eI)?@_?N(D!T?Zwg?k ?'@j?6qrC?e`TR'???3'%1989 US Buck Mortality Table - FemaleiA4John Kalnberg, 75442,3532 Theresa RuizDExperience of employees at 21 large industrial clients pension plans7399,576 Active life years 330,995 Pensioner life years.Plan Years 1983 through 1987 dthe 39th Edition (1989) of the Proceedings of the Conference of Actuaries in Public Practice. 0Buck stands for George B. Buck Consultants, Inc.  ssPמY"?a2U0*#?a2U0*#?h㈵$?q@H&?9̗'? W(?yCn+?K8,?iUMu/?Mb0?+ٱ1?d3?a2U0*3?h㈵4?q@H6?9̗7? W8?'>9?t^c:?3.?Xj@?C8 A?+ٱA?מYB?1ZGUC?MPD?h㈵D?N ^E?ǺF?c#G?Ah:;I?-C6J?yCnK?=\r)M?ŏ1w-!O?70P?מYR?׆q&T?QfL2rV?a+eY?y&1\?hUM`? ab?+~7e?VF?h?@_k? x#o?5l/r?x@t?IZw?#G{?m?+ٱ?n?׻?ޫ?V}b?6;Nё?U؏?:?Ӈ.o?Z?AJi?>d?)h?hUM?n?MJ?/$?)s?Q?S"?; >?W2ı?a?0*?#?;pΈ޸?/?l!A 3?|Pk?eS.? y?@j'??q]P?ht3?kHcC?K7?CR?$zr??ܺ:?j?\(\?B= ?(~k ?%̴++??;pΈ?]P? c?Oup??)$'#1989 US Buck Mortality Table - MalejA4John Kalnberg, 75442,3532 Theresa RuizDExperience of employees at 21 large industrial clients pension plans91,616,814 Active life years 752,308 Pensioner life years.Plan Years 1983 through 1987 dthe 39th Edition (1989) of the Proceedings of the Conference of Actuaries in Public Practice. %Buck stands for Buck Consultants Inc.  ssP+ٱ1?+ٱ1?a2U0*3?9̗7?3.N?O?MP?8R?FCƣTS?fʉvU?FSweW?.Y?Rh\?%Ί>_?: va?Cb?*%d?L/1g?bdUk?t(CULo?);.r?5et?SKw?͐*WY{?~427?ɋL?Hrڃ? ˟o ?;l"3?=-?tgy?ѯ?ZH?OȒ?ޔ?N:?t?E ?v>?o ?/g+?0e?%*?y7?/N|8?kJGW? I?s?g?[[!ƺ?k`ý?)z?+,?^?Qr??l???j,am?{h+m? .?K3?2p@K?'"?KU?aunڌ?y H?ׇF0?2zp?l_@/ܹ?Bi?9 {??????????O'1994 US GAM Static MaleCAKStephen J. Strommen, FSA, with additional documentation by Roger S. LumsdenDVarious sources span 1983-90. Table has been projected to 1994. gBelow age 102, these mortality rates are 93% of the corresponding rates in the 1994 GAM Basic table. TSA XLVII, pp 865-919 The 1994 Group Annuity Reserving table is a combination of this table and projection scale AA. 1994 GAM Basic Male is in this database as UP-94 Male. GAM stands for Group Annuity Mortality.  xxZQfC?-C6:?k$ 5?VL0?ِf/?H'-?ltOq,?]pX*? Om)?W9)?'eRC+?m77M-?700?sIv3?#-#6?u69?3.?+,??&5@?R\U]A?8B?IaLC?}rD?/ިE?NwxF?RG?ꫫH?ùI?#fF?J?k3 J? ~K?rQ-"K?iK?VbK?J>L?,?2M?*=%N?| ^P?t>Y1\m?4HLp?rr?]gEt?Gv? o_y?bg }?!9U?@g?6X8IDŽ?{ю~?_{fI?-č?_ѭ??@w? U?` @?xWL?1!撚?:*?h'?!o?qXQ ?WV?t? ?̕A?c> Й?¯??E-ͭV?:̗`?K?0{?-?)h?QT?v7?t>?_-?͍ K?nEE?)H4??ޫV&?rK!q?Ց#?anr?bU?1zn+?Va3ٺ?f?y?nHJz?d7i?}w+Kt?>M?@T?PoF?F}?nʆ5?FY?Ro& ?2@0?F̱.?RG.?^S/?0?vꭁ2?obHN&n5? W8?"z}֬?Bt?Xб?Q)?i:-?0?Q+2?(@4?$xC5?&:,B5?N ^5?y76?[ i6?6w\6?6w\6?6w\6?Nwx6?X|[T7?1]a8?.9?m2;?8fٓ?O!WY@?R\U]A?BB?3fC?V_]E?7k*G?8CI? ~K??Ң>M?P?7j?.ޏۧ?S 蝪?=HOCĭ?>M?0{v?i?ek}ж? C*q?M֨h???N0?{ю~?c~?nꐛ?2t?up71?2R?Zf?ѯ?En?P?o[t?Ɋ?B[Υ?%Yt?˂?:?6?fv??zk`?KqU?i7?????VV'1994 US MGDB, Age Nearest, MaleqARoger Scott Lumsden 75147,2620DVarious sources span 1983-90. Table has been projected to 1994. 110% of 1994 US GAM Basic,truncated at age 115 slightly strange rounding to 6 decimal places WARNING: memo value of 10.849 at age 61 appears to be wrong, this database uses formula value instead JMemo to NAIC Separate Accounts Working Group August 15, 1996 - Appendix II fIntended for valuing guarantees on Variable Annuities MGDB stands for Minimum Guaranteed Death Benefit  ss jF?#>?I%r9?u 4?gej2?t>?D-ͭ@?]A?[[!B?a2U0*C?hN?D?JΉ=E?NwxF?i;.H?u6I?Oʤ6K?3.L?i:M?ǜgK6N?ِfO?IVO?!>@P?n2 nP?_sP?\JP?70P?BDQ?|b*3R?0-aS?(G`T?eV?/CX?4-2Z?lxz,C\?ݲCÖ^?g8 `?E4fb?T]d?x`Cf?HPh?&|k?%VF#o?G\q?AFs?-y<-?pu?(]w?0q {?(~?67',? "R? ;ą?Y+?!WYʋ?S:X?dǚ?IIC?+ٱו?eRC ?p_Q?ŪA۽?0xn?) ??.?W[잤?427߈?S{/?p`rZ?;k]h?- &(?i:Ȳ?k Kƴ?LA޶? Q?F};l"?q?[J?3Mg'?lu9?9Վ?&E'?R?EИ?TE ?k T??`< ?͐*WY?F_?B?"M?9A>?tzލ?![?I|?Dh?+gz1?CK?Wj1x?úX?v4E?Y"?????`5'1994 US UP-94, Female@AKStephen J. Strommen, FSA, with additional documentation by Roger S. LumsdenSoA Group Annuity Experience Study - ages 65-95 Civil Service Retirement System - ages 25-65 US census study AS 107 for 1990 for ages 1-24 and 96+Various sources span 1983-90. SoA study is 1986-1990 CSRS is 1983-1986 for active and 1985-1989 for retired Table has been projected to 1994.-Number of lives for CSRS Income for SoA study Ages 1-12 from SSA 107 tables Ages 12-24 bridged by adjusting SSA 107 Ages 25-50 from CSRS active annuitants Ages 51-65 from CSRS active and retired blended Ages 66-95 from SoA study raw qx's Ages 96-119 from SSA 107 tables with a cap of 0.5 Age 120 set arbitrarily to 1.0 Result projected from 1988 to 1994 using smoothed CSRS improvements Rates were now averaged into quinquennial age groups Resulting table graduated with Karup-King four point formula with minor adjustments below age 7 or over age 102. TSA XLVII, pp 819-863 This is an unloaded experience table. The same values serve as both UP-94 and as 1994 US GAM Basic Female GAM stands for Group Annuity Mortality UP stands for Uninsured Pensioner  xxm)B?1]a8?82?'eRC+?4 ;(?&|'?8*5{%?bD#?מY"?g,{"?ZQf#?'$?};l"3'?ฌ*?k*..?1{v1?gej2?8j33?O'3?x 3?Za/4?=Զa4?ro~D4?ro~D4?ro~D4?:`4?@fg;5?30&6?X|[T7?ꫫ8?G:?;s ;?H'=?D@P?(֩=#Q?|b*3R?t|8cS?"nN%@U?&|W?Tqs*Y?[?k*.^?1=B`?[b?IC3d?o\f?i?wm? \q?aunڌs?8nv?ay?|#g}?/Ȁ?79|҉?WyaX? ?1?x@e?QۆQ?*g\8@?: vA?]A?vꭁB?t|8cC?10&D?lE?bLLG?$@H?u6I?+=)J? LuK?J>L?/$L? @M?$DiM?jM? M?cyW=`N?{gUIdO?p>?P?"uQ?شRR?T]T?"~ V?RW?.Y?~[?W^?efb`?Bb?9+&|d?T gf?/PR`Li?!>Ml?[~lo?z΅q?TO}s?a0u?Y+x?h {?J({K9?t>?Y&ʴ?wak?d=ꪸ?{`ĺ?4 ?C_+׿?k^ z?a1?^ zo ?cJ?}?X5;N?[a/?>[{?ןN?mY.?oʡ?,? 4?4i?[?&f?t3?m2?=1Xq?Bi?~7?Z_&??Vdt@??????????iv'*1995 US Buck Hourly Mortality Table - Male^AJohn Kalnberg, 75442,3532PExperience of Hourly paid employees at 10 large industrial clients pension plans7862,045 Active life years 147,861 Pensioner life years.Plan Years 1988 through 1993 rTo be published in the 46th Edition (1995) of the Proceedings of the Conference of Consulting Actuaries. /Buck stands for George B. Buck Consultants Inc.  ssiUMuO?J4A?W\T;?AA)Z7?o +5?t|8c3?g,{2?/n2?fLg1? fh<1?A3?JΉ=5?i;.8? iTd;?ŏ1w-!??*3A?!C?y7F?$@H?!J?f(ϼL?k*.N?XjP?$ -P?268Q?Q?fLgQ?Tb.Q?oQ?4GV~Q?J4Q?>VP?&5P?\JP?p>?P? ^)P? fh@ ?Mb ?$D"??̔"?=#?'$?[%?Ǻ&?ŭ'?4 ;(?Tqs*)?/PR`L)?Tqs*)?àL(?VF?(?AA)Z'?3jJ>v'?9̗'?1]a(?.)?Mn+?En1/?fLg1?_% 4?FSwe7?RT:?صݒ?_#I@?: vA?J]2A?#=B?lXSYD?}F?VF?H?!J?&P"M?%9?]2U?~jt? 0*??+eX?Ⱥ?I +?(?_L?M O?n?~jt?&S?5;Nс?St$?vq -?Q~?x&1|?:vz?~jtx?I +v?{Gzt?U?~jt? 0*??+eX?Ⱥ?I +?(?_L?M O?n?~jt?&S?5;Nс?St$?vq -?Q~?x&1|?:vz?~jtx?I +v?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?h'US Projection scale CARoger Scott Lumsden 75147,2620 TSA Vol IV, page 272 These values represent annual rates of mortality improvement for use in projecting future mortality rates. Scale C is for use with 1951 Group Annuity tables  nnx???????????????????????????????????????????????????????????????????????~jt?Zd;O?I +?/$?{Gz?]3f??Mb?y~?5A}R{?~jtx?u?7l[ s?Mbp?#Gk?s.Uee?Mb`? K{'US Projection scale J, femaleARoger Scott Lumsden 75147,2620 TSA Vol XL, Part II, p 667 These values represent annual rates of mortality improvement for use in projecting future mortality rates. Scale J is a discussion rate.  aa9v?~jt?~jt?Q|a2?Ǻ?=U?{Pk?)\(?V}b?ͪՖ?<,? ?V-?F%u?tF_?gs?Έ ?Mb?Mb?Mb?Mb?Mb?Mb?y):?n?'???Pkw?K=U?o_?:pΈ?+? ףp= ?&1?v/?T㥛 ?Dl?o_?aTR'?q?:pΈҞ?V-?!u??߾?]K=?{Pk??J +?~jt?Mb?Zd;O? ףp= ?Aǘ?w-!l?_vO?䃞ͪϕ?/$?ZӼ?ׁsF?a2U0*?Έ ?;On?&S?HPsג?Έ ?UN@?~jt?<,?ZӼ?^K=?46y?)h}?7T7?Y4 ?{Gz?҇.o?aod??׆q&?ea?Aǘ?ͪՖ?Ǻ? ףp= ?MSt$?MSt$?MSt$?MSt$?MSt$?MSt$?< .?+~7?uT5A? 3mJ?d`T?d`T?d`T?d`T?d`T?d`T?d`T?d`T?d`T?d`T?d`T?lscz’?0?խ?j ?{Gz?{Gz?{Gz?{Gz?{Gz?{Gz?{Gz?{Gz?{Gz?{Gz?{Gz?+?~jt?l?;On?Q?P6 r?X?>?~k, ?ŏ1w-!?O;5Y?%?d?=\r)?y&1?F%u?a+e??_vO?{Gz?;On?Mb?y&1|?~jtx?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?{Gzt?i 'US Projection scale Z, maleARoger Scott Lumsden 75147,2620 TSA Vol XXXV, pp 882-883 These values represent annual rates of mortality improvement for use in projecting future mortality rates. Scale Z is blend of X and Y retrospective scale used to bring 1966 Basic table forward with 1983 Group Annuity tables  nnxiUMu/?iUMu??9̗G?iUMuO?a2U0*S?Ah:;Y?!J^?5l/b?h㈵d?g?ŏ1w-!o?UN@s?Ǻv?9vz?_vO~?מY?Ϡ?E|'f?VI?ŏ1w-!?r]? ?B=?ezFw?{?&pn?#bJ$?R\U]?HĔH?5;Nё?5;Nё?5;Nё?5;Nё?5;Nё?5;Nё? / ?j>"D?ʉvR~?+?l?=~o?wR~R?i&k?b?Af?b?i&k?wR~R?=~o?l?m4?*oG8-x?zpwn?N`?2%䃎?H}?Pkw?S!uq?{Pk?a+e?gj+?I +?0*?a2U0*?y):?C8 ?m?nS}?ALz?~jtx?Ǻv?_Lu?a2U0*s?/nr?Mbp?H}m?-C6j?Ǻf?a2U0*c?Mb`?-C6Z?a2U0*S?-C6J?-C6:?9;'"1996 US Annuity 2000 Basic, FemaletARobert Johansen, FSA =1983 IAM Basic experience projected 17 years on quin ages 7+ Scale for projection is 50% of Scale G Female. Then a Jenkins smoothing and a cubic to close from 95+ The official table runs from ages 5+, unofficial extension values for ages 0-4 were added by R.S.Lumsden using the standard extension of a-1949 as a base. [TSA XLVII, pp 236-249 NAIC Life and Health Actuarial Subscription - Sept 1996, Attachment 7  ssՔd]?E|'fH?.9?d3?IӠh.?àL(?}r$?1zn+!?1zn+!?t>?En1??Z H??Mb@?r&"@?¾DA?E&HB?1ZGUC?MۿҤD?n/F?vG?RTJ?ltOqL?ŏ1w-!O?MQ?Q+R?.T?ǺV?W\Y?1߄B\?mO^?Da?b?Z`d?;~f?3FYh?t^cj?EׅOm?Sp?q„q?.5B?s?8u?pzw?Oy?ŪA۽|?kѯ?q{c?DA?-VЄ?݆?F0E?2F ?8 Q?Nc{-轑?$jf-?<,Ԛ?ę_?Իx?n?Rr/?HȰ7?~?4/w ?cZB>?h?G5\?û\wb?&9`W?lY.?mkA?dTݼ?Ab{? G?$?5'/2?U?r ?$6De?R?&?=W?T:X0? |E^?H¾?= $}Z?۠[;?_Fj?%Z?e?+MJA?{?5_%?4?O?UHI???iGϸ' 1996 US Annuity 2000 Basic, MaleuARobert Johansen, FSA 1983 IAM Basic experience projected 17 years on quin ages 7+ Scale for projection is Scale G Male. Then a Jenkins smoothing and a cubic to close from 95+ The calculated mortality rates were adjusted to remove a small dip in the mortality rates in ages 33-35. The official table runs from ages 5+, unofficial extension values for ages 0-4 were added by R.S.Lumsden using the standard extension of a-1949 as a base. [TSA XLVII, pp 236-249 NAIC Life and Health Actuarial Subscription - Sept 1996, Attachment 7  ssoJyb?[a/M?3ۃ@?!:?FSwe7?@fg;5?O'3?d?H2?]E~5?AA)Z7?'>9?=E~;?J>?!J>?VDׅ??*g\8@?70@?]/MA?8ӅXA?[[!B?kׄƠC?hN?D?TsPE?HSȕzF?FSweG?i;.H?V횐H?W\I?.I?Z(I?Z(I?I?ɐcI?vk I?d!:J?Xo J?صݒL? s?cϞt?û\wbv?zR&5x?(D!Ty?RE*k{?uv28J^}??sd?Y?^ Pj?!{?ͫ:?0h!ˋ?\4 ?+1JZ?r_?xߢ?Jy?Ũk}? H"D?WL?kD?1x?@j?3Y?*?od?L?|y?!k^?9 ?S?<ڨ?!oz?(IS?L4a?U@ة?$G:#/?u7O??.C'1996 US Annuity 2000, FemalevARobert Johansen, FSA KA loading of 10% was deducted from the Annuity 2000 Female Basic Table and quin ages from 7+ were graduated with Jenkins. Then a Jenkins smoothing and a cubic to close from 95+ The official table runs from ages 5+, unofficial extension values for ages 0-4 were added by R.S.Lumsden using the standard extension of a-1949 as a base. [TSA XLVII, pp 236-249 NAIC Life and Health Actuarial Subscription - Sept 1996, Attachment 7 This table is intended for use in reserve valuation of annuities. It is considered appropriate for use on an interim basis until a more detailed study of annuitant mortality can be conducted.  ssg uZ?q@HF?ܚt["7?1{v1? iTd+?[ i&?g,{"?mO?mO?+,?3ۃ ?Ln!?I"? F#?]E~%?};l"3'? W(?!*?pDk,?F̱.?Mb0?R\U]1?gej2?A3?_% 4?&:,B5?֦6?AA)Z7?4 ;8?q4GV~9?]pX:?*6u!;?_Q;?صݒ?VDׅ??3ۃ@?LnA?xy:WB?eC?JΉ=E?=mG?܂I?1߄BL?*=%N?P?kR?pT?g|_\V?K?2Y?#EdX[?k*.^?`?VSbb?BԳ d?=f?X9h?E\j?9Dl?t(CULo?iP4`q?zUgs?yTu?xy:w?y?F~,|?~? O?!#?Ȯ?o{Ć?{m]? fh?cDв?YL?+j0 G?#&ݖ?ZÙ?2Pl?ŠSY? K?iUMu??O!WY@?MjhA?x #A?B?ZQfC?Za/D?  RD?A)ZE?_vOF??$DF?֦F?_F?ǺF? jF?pYG?&|G?{/hG?$@H?RTJ?3OL?W:O?P6 rQ?_=[S?vA]PV? XY?pDk\?Z'.+`?Uh b?׆q&d?=eYJf?߆h?Goj?ʩajKm?IVo?28*7q?a[>r?Hs?4`iu?/kbv?߆x?u?Tz?5e|?!J~?B΀? 8Kr?]`7l[?}?b ?oK3?bKz2?fb?D)X?LQ._x?v6ė?@ZkB?IbI?"?`TR'?m?#)ah?b)??oI~?E?X#?RI&²?}1Y?ʦ\]?lЗ\?됛|?J}Yک?C3?*A*?bE ?za?H? .?7:r?nʆ5?f*#?2˞6? h'?^2?A%c?.5#?1'h'??nJy?P?d#?W_]?>v()?AΡ ?tBK8?u?3,%??P ''1980-93 California CCRC, Age Last, Male{A-Roger Scott Lumsden 75147.2620@compuserve.comResidents from 83 CCRCs)Exposues of 26,737 lives, Deaths of 2,699 1980 to 1993Number of lives Whittaker B third differences with k=10,000 for ages 75-95 Modified Gompertz curve fit for ages below 75 Assumed a 5% rate of increase from 95 up to a peak of 500/1000 There should be values for ages below 62, but they're not in the publication. 1TSA 1995-96 Reports pp 143-184, see Table 5 p 160 CCRC stands for Continuing Care Retirement Community These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line > nnJ4?:pΈ?n?gs?HPs?DJ?z6>W?j+?X9v?T㥛 ?q? rh?a2U0*?=yX?@Ǩ?Q?u?2U0*?ŏ1w-?7A`в?U0*д?k+ݓ?9v?Yڊ?8gDio?Ș?Q??ܵ?'???r?0*?MJ? h"lxz?,C?37?q= ףp?n4@?Qkw?X?Ș?\(\?_)Ǻ?fj+?ꕲ q?????d%7')1980-93 California CCRC, Age Last, Female|A-Roger Scott Lumsden 75147.2620@compuserve.comResidents from 83 CCRCs*Exposues of 111,207 lives, Deaths of 9,375 1980 to 1993Number of lives Whittaker B third differences with k=10,000 for ages 70-95 Modified Gompertz curve fit for ages below 70 Assumed a 6% rate of increase from 95 up to a peak of 500/1000 There should be values for ages below 62, but they're not in the publication. 1TSA 1995-96 Reports pp 143-184, see Table 5 p 160 CCRC stands for Continuing Care Retirement Community These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line > nnS㥋?<,Ԛ?2U0*?X5;N?&S?n?/$?&†?z6>W?S㥛?lxz,C?q?|a2U??ܵ|??ܵ|?R!u?k g?J4?|Pk?J +?z6>W?K=U?W2ı?ʡE?S?o_?|?5^?d;O?HP?L F%u? h"?2%?N@?S?-1?jMS?Q|?:pΈ?S?ޓZ?Ps?ڊe??_LJ?j+?K7?;M O???v"4'1995 Austria EROM G 1950, Male}A-Roger Scott Lumsden 75147.2620@compuserve.com<Population mortality (projected and modified for Pensioners)Number of lives CBaseline calender year population tables from 1865-75 through 1990-92 projected into generation type mortality table for 1950 births. For generations born in other years, age adjustemts were recommended. To adjust to pensioner mortality,factors were used of 0.75 (up to age 85), 0.8 (ages 96-99), and interpolated (85-95). Liebmann,F.G.,Schachermayer,W,&Willomitzer,M.(1986) "Zur Erstellung von Sterbetafeln EROM 85 und EROF 85" Mitteilungen der Aktuarveriinigung sterreichs 4. see also Jrgen,S.(1995) paper "Zur Angwendung der Taflen EROM/F G 1950 for 1995 updates These are supposed to represent the expected mortality of pensioners from the generation born in 1950, updated through 1990-92 census results. This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald  ccPۆQp?`x%s}_?AA)ZW?%s}R?1߄BL?dTkaF?IB?a@?=\r)=?W\T;?]pX:?*6u!;? 0=?c wA?ǺF?r„ѬlO?y7T?xĬW?/PR`LY?&"dTY?@vX?iW?QfL2rV?8*5{U?P<U?T?MۿҤT?{GzT?T]T?lXSYT?=ԶaT?hN?T?óU?|U?7k*W?g^X?-hɣ?R)v4?pZ𢯨?AN?>+N?i?Ü?Ue3?4?O?яS?n@׾?ahur?|a2U?Aȓk?yՏM?Os?W@ի?[z4Փ?]zk`?V \?{Gz? ?+z?ܛ0 ?@׾^?!s?Y.?.r' 1995 Austria EROF G 1950, Female~A-Roger Scott Lumsden 75147.2620@compuserve.com<Population mortality (projected and modified for Pensioners)Number of lives CBaseline calender year population tables from 1865-75 through 1990-92 projected into generation type mortality table for 1950 births. For generations born in other years, age adjustemts were recommended. To adjust to pensioner mortality,factors were used of 0.85 (up to age 85), 0.8 (ages 96-99), and interpolated (85-95). Liebmann,F.G.,Schachermayer,W,&Willomitzer,M.(1986) "Zur Erstellung von Sterbetafeln EROM 85 und EROF 85" Mitteilungen der Aktuarveriinigung sterreichs 4. see also Jrgen,S.(1995) paper "Zur Angwendung der Taflen EROM/F G 1950 for 1995 updates These are supposed to represent the expected mortality of pensioners from the generation born in 1950, updated through 1990-92 census results. This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald  ccB=p?)dqa?2g@Y?E4fR?+=)J?!C?mO>? Om9?56?obHN&n5?'4?JΉ=5?FSwe7?t^c:?Z H??VSbB?kׄƠC?y7D?+D?a2U0*C?dC?xy:WB?ܠ[;QB?A A?*3A?ޭ,YfA?ْUA?c wA?A?8ӅXA?r C?(G`D?ǺF?]@"I?m2K?/$L?7h>N?)O?aP?$ -P?mQ?ͮ{+S?T?GV?g^X?F%u[?A ]?Sy=_?V`?x #a?-c}c?^ Pjd?V*e?,+MJAg?aUNi?z2k?RGn? ESp?iq?شRr?`Ht?u?};l"3w?cbqmx?HOz?ǵb|??W[~?>tA}?3?%?<.9?`;??Ŋ?*nEE?9m½?sG˵h?IӠh?uBY?h?w$?կt>'?ŧ?&$'1987-91 Belgium U.P.E.A., MaleA-Roger Scott Lumsden 75147.2620@compuserve.com;U.P.E.A. experience for survival benefits (i.e. Annuitants) 1987 to 1991 PMakeham formula is implied in writeup but if so, there's some funny values here. This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald The values for ages 64 and 99 don't grade at all but that's what's on the diskette. U.P.E.A. is the Professional Union of Insurance Companies  ww;s K?;s K?1߄BL?1߄BL?() L?| L?PlL? :!t%L?3.L?k6L?bc^GL?[[%XL?̶ֈ`L?DJyL?}AzL?VL?f(ϼL?A ]L?wJL?=\r)M?nSM?&P"M?H'M?zN?_vON?O;5YN?~O?iUMuO?O?%?P?hYP?uʣaQQ?Q?`s MR?شRR?}!S?${!UT?m3U?n/V?bLLW?~jtX?d!:Z?2[?&P"]?Ov3_?ȗPa?VSbb?7wc?&:,Be?pg?4i?}Azl?&4I,)wo? 8@dq?AFs?S@ku?9w?_{fIz?nj}?SvA]?PC?Y|^?6S!?NE? |$%?elf?]C?ΤM=?IIC?:6?G!ɬ?I~į?.Y&?L3뤾?#h$?{K9_콠?5l/?FN?w?NW歺?nE?TN{?R臭?]mOخ?uXᖏ?X?y0DN_?*U-?x\T?[nK?ط/?R`L8?$wDf?.lV^?Ϣw*? C?[d?)U?HV?l#fF?z?qǛ?0(h?\?0?/?!rz>??ۆQ<>?q? ?25 ?,?P?OZ?Qi??q?J_9?B?n2' 1987-91 Belgium U.P.E.A., FemaleA-Roger Scott Lumsden 75147.2620@compuserve.com;U.P.E.A. experience for survival benefits (i.e. Annuitants) 1987 to 1991 PMakeham formula is implied in writeup but if so, there's some funny values here. This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald The values for ages 64 and 99 don't grade at all but that's what's on the diskette. U.P.E.A. is the Professional Union of Insurance Companies  wwvꭁ2?d?H2?Q+2??̔2?,am2?d3?Os"3?8j33?1ZGU3?sIv3?t|8c3?=3?x 3?Za/4?=Զa4?MۿҤ4?B4?@fg;5?JΉ=5?N ^5?mUY6??6?FSwe7?c#7?~jt8?/PR`L9?RT:?Oʤ6;?Mn;?N=?ǜgK6>?D?@?R\U]A?E&HB?IaLC?}rD?&:,BE?G?4 ;H? .V`J?bc^GL?IӠhN?MbP?h Q?U+S?(G`T?-;V?~jtX?ŸZ?NC]?`?z΅a?^f(7c?0*e?DN_,g?:[@h=|i??߾l?@gҦn?C8 q?7r?Nt"t?Lv?&"dTy?[X7?$W@~??u׃I?k&l?/H? .Ȇ?g%?-?hn?:̗`?St$?>rk?mp"? ƈD?}p?ؖg?CF7?S{mԝ?C3O)?fir?D[?]o?ʡE?Z H?ѕT ?:K? 7?LTo l???il?3}ƅ?,p{?Drc?PN?V,~SX?`>Y1\?tB?aA?XG?鲘?*mq?\].?A C?VR?\9{g?  ?'l?C?U?Fq?D0.?q!?C?KU?@ R??-'1988-90 Belgium MR, MaleA-Roger Scott Lumsden 75147.2620@compuserve.comPopulation dataAll male lives in Belgium 1988 to 1990Number of lives Makeham formula Royal Decree of 19 December 1992 This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald The MR table is statutory maximum rate permitted for male annuities   wwU+C?bDC?֪]C?sIvC?t|8cC?O'C?*T7C?IpD?Za/D?=ԶaD?V6oD?'D?$xCE?V_]E?&:,BE?%F?[ iF?GF?bLLG? !G?:YXH?.H?u6I? .V`J?m2K?| L? -M?Ap-N? [O?O!WYP?: vQ?yTQ?lsczR?O'S?t_T?W?6ɏU?kHcCW?ZаX?$xCZ?\?<,Ԛ]?QBy_?o'a?~[~lb?3fc?V_]e?{g?:vPh?j? H?~7?Z?ɰ72?C.?M I?w~\?vd?ZGUD]?5}vuE?{&?(a_?Wс?U'1988-90 Belgium FR, FemaleA-Roger Scott Lumsden 75147.2620@compuserve.comPopulation dataAll female lives in Belgium 1988 to 1990Number of lives Makeham formula Royal Decree of 19 December 1992 This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald The FR table is statutory maximum rate permitted for female annuities   ww%6?}6?}6?30&6?y76?q@H6?mUY6?HSȕz6?6w\6?56?֦6??6?&|7?};l"37?FSwe7?9̗7? !7?d< 8?1]a8?ꫫ8?yxρ9? Om9?9?]pX:?bo:?yCn;?3.?`??3ۃ@?J4A?J]2A?[[!B?X%C?10&D?[E?7k*G?:8؛H?#fF?J?1߄BL?UZ N?Vc#P?ޭ,YfQ?CR?lXSYT?2wV?d< X?p;Z?>s֧\? [_?XuV 1a?شRb?(G`d?U2Tqf?GS=i?4ׂk?!Jn?幾 q?صr?Bt?eS.w?y?xGo|? E?M0k??wg ͅ?U@?368?8aA ?5磌?%ǝ?׺?T:?ƻ#c?H??O>=e?ģ?&`6?%ZxZ~?B?'S?mēݰ?C8fٓ?j״?&E'?5&\R?˺,D?J_?uU?{/h?x?)?Oϻ0???k?"ĕw?eU*?IFq?fOs?9U?p\M 4?:q9^?A t ?·g 2?Ac&Q/x?wf\?ǀ?Y?\u?.5B??a|?_ D ?i4?VzNz?gyܝ?1 {=?V '1988 Finland Pensioner, MaleA-Roger Scott Lumsden 75147.2620@compuserve.com'Finnish insurance companies pooled data Formula fit rThis is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald  nnxOb5+E?nBemE?wE?0F?Af/WF?F?5΅G?IG?Q1?G?4YisH?uIjH?II?{40J?6}J?eK?>-@hL?v;VEM?ǜgK6N? mJ:O?ˏ*P?$P?^btiQ?H8R?QyR?la[S?5HT?uU?,PP{V?\W?TJX?QTSZ?n[?b'Y]?uC _?{?7Us`?a5sa?_!jb?lc?N/d?:>f^f?j>(g?Hlw}i?JD X@k?ӗ*(m?sb:o?L p?={q?6v`Cs?{?t?b"@=v?L }w?y? K{?i񵩲}?7?3^ºT?h̰?[S*?'Å?N~?Ap^?[g?f?.kj?RK?@ ?=8?Ɵ,ޕ?>W|?"혙?&\?and?Az8?'B?cu?ll#\Д?H?}s!?kM"?$WwM?k{?v?I۪?7{?+?ͦ+ܶ?0uŸ?1-f[8ֺ?~? >z??Р6~?A[ ?,Jٷ?JF?=վ F?/G?r# qG?pX G?>u`H?YkH?dzI?ڙYJ?E=J?K? IL?P)%M?_N?~=WBO?P?mP?jPQ?C.,R?B#QR?l=S?n@ovT? kU?H=uV?eW?31bX?7!Z?[?8]?!J^?M_P`?5[Ma?c2Z`b?zߧc?a>d?c*f?xg?_8!]@i?j?ijl?.pn?b3zp?QFq?Rs?UM<{t?Lv?3Uw?H-vy?^Ђi{?W}? Wc? XA%?3W}?nN?J~?R9X?_6* ?й\?hˢ?ÖTY?X%Gu?Əۧ?IWO֩?H*[?"c{N?i?nTbDZ?2TB?T_Dݴ?OLN?g|?7Uֺ?ǤT?F' %?*4?7e H?;?SK)ix?^1D?6?VR?/ H?2y ?qc?d@H?^ '"1988-90 France TV8890, Male+FemaleATRoger Scott Lumsden 75147.2620@compuserve.com and Alain Moret alain.moret@wanadoo.fr INSEE observations of annuitants1988-90 Statutory table for annuities before 2008 This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald Cross checked to Alain Moret's submission  nnx?Ŋz?!C?Y}a5?Xv0?}-?k*?.Xv&?u%V%%?XH&%?!'%?8?z&?j$$(%?Nb1f"#?|e")?;4+?Xp.?U13?jx6?"K;?@-'=?Zf{}>?N=?y;>1=?jj>=?M'E@?n@?nBA?KDJB?S;A? B?#1QD?6D?w.E?'8G?8*J? PtٿM?ͳrN?f\hP? EQ?֧= S?A^^iST?GzDuV?2܈@X?Z{Z?a˅\?c _?V;`?2[a?vvb?A: Jd?|ef?$Ch?Cv+Ϭj?Sl?jjm?S;h$o?mq?.Dr?t.t?1%u?20<@Asw?Awy?~%?Ohah?Fs*:?"?}۟͢^?j?]`g3?u?f_?7?k?]׽?6O}9?Guշ? ?w3ʖս?iv2?LEX?w^? +'?6ހ?JK?eM?D/??^lsƤ?Fu?KeK?!ʨ? gFj?9[? 4?:iZ?Ѹ?9W?^ 'u?F?/̈́$I?vWUU??[sp' 1993 France TPRV 93, Male+FemaleATRoger Scott Lumsden 75147.2620@compuserve.com and Alain Moret alain.moret@wanadoo.fr INSEE observations of annuitants zGenerational tables are required after 1st July 1993. As a simplification the supervisor authorized use of TPRV 93 which is the 1950 generation with corrections by age for different dates of birth: <1900 = +6, 1900-1909 = +5, 1910-1919 = +4, 1920-1930 = +3 1931-1938 = +2, 1939-1946 = +1, 1947-1952 = +0, 1953-1959 = -1 1960-1965 = -2, 1966-1970 = -3, 1971-1978 = -4, >1978 = -5 Statutory table for annuities before 2008 This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald  qq=?zV3?`U{?-7"U~?JG1'?hqkw?TӅ? E?] m?E'Jh?{!Ԓ?͢q?EgW)Vp?kSeۛ?Nt#M8˟?'4:'?zjl?HTn.?jUSH?]2+g1?ux?dvS?F;U[=i?`]ܽ?|7 \?CK?/ФH#?_/B%?' a??B&?:yQ?`Vj? L<? q?w i?lb8?R0?_$^;d?e,!?R|<?C(B?d5-?Q?$[???]d''1987 German Verbandssterbetafel R, MaleA-Roger Scott Lumsden 75147.2620@compuserve.com Statutory table for annuities before 1994 No longer considered adequate. This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald  jjXMbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?MbP?70P?C8 Q?nQ?/nR?vꭁR?1ZGUS?x S?{GzT?h㈵T?fʉvU? Km?Xjp?n\q?D s?fu?w?mz?Pkw|??W[~?.;1ŀ?g??wR~R?Mg'?[[%?^x?!Yn?vq -?eX?2bb?//>:?eN?(D!T?h?RDU?K=U?DRZ?{Fw;?8P?|Pk?lC8?镲?rK!q?|a2U0*?㥛 ?ĔHQ?B?V-?H|?Fžv??Z*oG8-?DV?I +?r鷯?D?.lIF?3?+?_{fI?\ʾ?HK?g\8?A`"?0"?7̒? ?(y??׻??g?3P>?x&??XI')1987 German Verbandssterbetafel R, FemaleA-Roger Scott Lumsden 75147.2620@compuserve.com Statutory table for annuities before 1994 No longer considered adequate. This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald  jjXMb@?Mb@?Mb@?Mb@?Mb@?Mb@?Mb@?Mb@?Mb@?Mb@?Mb@?Mb@?Mb@?Mb@?Mb@?Mb@?70@?C8 A?R\U]A?/nB?מYB?dC?1ZGUC?x C?MPD?MPD?MۿҤD?h㈵D?_LE?8*5{E?q@HF?ǺF?c#G? WH??ŊJ?3.L?%N?XjP?C8 Q?/nR?dS?MPT? K??wJ?O`?@x=\?j&k?\Z {,?ʦ\]?Cl? 0*?Ciq?"?nض(?v?s?_L?IOc??h'1994 German DAV R, MaleA-Roger Scott Lumsden 75147.2620@compuserve.com Started from base table mortality-West Projected by known trend to the year 2000 Includes a reduction to qx's for statistical risk of variation (i.e. this is a loaded table) Age shifting is to be used by generation to project beyond 2000. Industry table for annuities after 1994 DAV stands for Deutsche Akuarvereinigung (German Federation of Actuaries) This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald  nnxC@?k$ ?%?Za/$?W9)?!J.?/n2?q@H6?]2u?;/K;5w?UIddy?{{?y}?'g(x?VL?sLh?0?dTka??nۋ?V ?6ُ?t ޒ?7 C?hXR>?"8.?&E'K?:q9^?XY?e6Ȥ?&L1A?ͬ?sV{ ?Sr3??ۤ??ͮ{+?I-?~7ݲC? eO?* $???&ǝ?Yk(? 9? K?qn?mo$?>#?ӹ?K'?X?PB?oꐛ?^)ʥ? 'eRC>'eRC>-C6>Tqs*>{>%>h㈵>h㈵>%>'eRC>]/M?&|?$Di ?fLg?Os"?Os"?Os"??̔?מY?]/M?3ۃ?3ۃ?fLg?q@H?!>@ ?àL(?!J.?]/M1?d?H2?}r4?[ i6?~jt8?*6u!;?k$ %?;Pt?.ow?ݓz?&[X7~?+j?I'L5?Fu:? 0B?L!u?͎T?0GQg?DUy?i7>[??Ecl?uU?Pl? ?ҥI?rSܭ?mēݰ?GW?6[ ?lp?/j߹?[d?s ^?r4?Mn?^)?D;)?8?mS<.E?JES?B8a?~so? º?2j?X?B!J?mU? ?i?u=?H?ͪV?0݈''1961-65 Netherlands GBM, Age Last, MaleA-Roger Scott Lumsden 75147.2620@compuserve.comPopulation data 1961 to 1965Number of lives Makeham Graduation GBM stands for Gelele Bevolking Mannenung This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald Table says it runs from 50.5 to 89.5, this system doesn't take half ages so I called it 50 to 89 Age Last 2 YY@y?{|?*3h?/n?1=a?ӟH?)s?cz(?dF ?>?3bb?k)Ɠ?N ^?gj+?1|DL$?"??ߞ?GȠ?V-?6T?^T?fIZ?(\?pnꐫ?cZB? 8*5{?: ??x=?-R\U? 8*5{??솽?<,?gyܝ?_Ah:?Q?D?YLl> ?[rPL?)^? pC}')1961-65 Netherlands GBV, Age Last, FemaleA-Roger Scott Lumsden 75147.2620@compuserve.comPopulation data 1961 to 1965Number of lives Makeham Graduation GBM stands for Gelele Bevolking Vrouwen This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald Table says it runs from 50.5 to 89.5, this system doesn't take half ages so I called it 50 to 89 Age Last 2 YY@)hm?mo?3ySq?3kr?#t?N ^u?|~x?z?ui}?hUM?zަ??#?m?'>?wb֋?B=?g??M(D!?E )??J5o?Z_$?.&??5^I ?0|?z6>?5l/?=$@?):? .V`?umn?bqm? yǹ?"Jv?0[wT?+~7?*Wx?\wT?V̯?"2?8-xW?3^ ''1971-75 Netherlands GBM, Age Last, MaleA-Roger Scott Lumsden 75147.2620@compuserve.comPopulation data 1971 to 1975Number of lives Makeham Graduation GBM stands for Gelele Bevolking Mannenung This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald Table says it runs from 50.5 to 89.5, this system doesn't take half ages so I called it 50 to 89 Age Last 2 YY@mz? QI}?-l?m2d?0*?MSt$? [t?$]3f?Km?Mbp? rhq?5l/r?s?8*5{u?)t^cw?$EdXy?5A}R{?q>?~?T[r?|y?M(D!?QfL2r?=U?%]3f?CVzNz??RDU??䃞ͪϕ?o l`q?B ܺ?ǵb?H.?wkF=?ea?`|?"2⍬?Pc*?JOc?jMSt?E$]3?LH? 8?48E?%̴++?t{Ic??~n?YLl> ?ϵ''1976-80 Netherlands GBM, Age Last, MaleA-Roger Scott Lumsden 75147.2620@compuserve.comPopulation data 1976 to 1980Number of lives Makeham Graduation GBM stands for Gelele Bevolking Mannenung This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald Table says it runs from 50.5 to 89.5, this system doesn't take half ages so I called it 50 to 89 Age Last 2 YY@gj+w?9]{?%~?70?PLۿ?UMu?V`?|݉?J8?{ʄ?j̑?2d?^K=?*p?{S?!q?8 ? ?aO;5Y?L1?K???#S?qWs`?TގpZ?F 2ȱ?+H?G?-R\U?q@?7 0?67'?;k]h?tF_?=D;?l[?f-?/? $(~?ht3? gA')1976-80 Netherlands GBV, Age Last, FemaleA-Roger Scott Lumsden 75147.2620@compuserve.comPopulation data 1976 to 1980Number of lives Makeham Graduation GBM stands for Gelele Bevolking Vrouwen This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald Table says it runs from 50.5 to 89.5, this system doesn't take half ages so I called it 50 to 89 Age Last 2 YY@#Gk?H}m? o?bp?5l/r?"s?u?vӂw?|DL$zy?VI{?~tgy~?\*?ʉvR~?iWV?w-!l?|~?S!uq?4)ݎ?S"^F?QCR?^K=? 0B?[rPL?Ws`?vi?r_?Zڊ?@Ǩ?#EdXū?~:3P?R\U]?`d?G=D;?q89@?,}?]3f?0*?oض(A?c=yX?( ?n?-lp?n\q?eI)r?0*u?؞Yv? c AJx?g uz?W!'>}? x#?ĬC9?l?h?+eX?}"O?#0?&jjZ?P?@߾?s.Ueߕ?JY?4Ry?W}W?3ı.n?ܵ|У?ݰmQ?Vn/?6!A?ގpZ?M(D?B= ?dz?oB!?m?N],?ho?=If?>?Ct]'#1989-93 Netherlands, Age Last, MaleA-Roger Scott Lumsden 75147.2620@compuserve.comIndustry Annuitant Data 1989 to 1993Number of lives This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald Table says it runs from 50.5 to 89.5, this system doesn't take half ages so I called it 50 to 89 Age Last 2 YY@uim?vꭁr?bJ$(v?9 x?HPx?:̗`}?G=D;}?%}?N`?ek}?0?{七?UwE?Tގp?2rÏ?? 8*?H}8? k?NGɫ? Y9?V?JY8?m?/ ?? Tƿϸ?t8'%1989-93 Netherlands, Age Last, FemaleA-Roger Scott Lumsden 75147.2620@compuserve.comIndustry Annuitant Data 1989 to 1993Number of lives This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald Table says it runs from 50.5 to 89.5, this system doesn't take half ages so I called it 50 to 89 Age Last 2 YY@MSt$w?'u?.x?|DL$zy?Ah:;y?cbqmx?}"Oy?$EdXy?k`y?lxz,C|?}?%u~? ??ܵ|?#bJ$?מY?j0 GĄ?S?E_A?d?\*?&R?o*?f16?z?58EGr?H}?zpwn?vlu? ?DJ?}"O?FZ*oG?U[rP?p0?&pn?E 2ɸ?hyܝ?eNľ?x@?6qr?7)m'.1963 Norway, Individual Supporters RF(M), MaleA-Roger Scott Lumsden 75147.2620@compuserve.comIndustry Annuitant Data Formula fit of mu(x) This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald Note a "supporter" must die to start annuity payments comimg.  ww-C6?-C6?-C6?-C6?-C6?-C6?-C6?-C6?-C6?-C6?-C6?-C6?-C6?-C6?uQ?A Q?E&HR?.2R?ƽ S?>[{S?HS?AT?P<U?U?QfL2rV?#*T7W?*5{X?yxρY?RTZ?GW:[?,,}\?$Di]?r„Ѭl_?Ip`?ek}a?b!b?aQc?ENd?ˆ}(Ff?Ag?{ qi?#Gk?@Mm?VDׅo?r1qp?WmUr?vrs?$ptu?N&n@w?+F?8*5{?zO崗?{נ/??rfB?zC5%?Q+Ϣ?Av?O;5Y?)QGը?no>?$Di?t{Ic?F;n?b*?j+?e?F>x?Qf`?jh ?h[:?uV 1? H?[[%?8ߡ(?!T?*)?IddY0?+m? b?¤? "ڎ?}?5^I?Dk?'0?8>[? ?B;Y?U??ݯ?T?׻??ĕwF[?????????????? U'01963 Norway, Individual Supporters RF(K), FemaleA-Roger Scott Lumsden 75147.2620@compuserve.comIndustry Annuitant Data Formula fit of mu(x) This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald Note a "supporter" must die to start annuity payments comimg.  ww-C6?-C6?-C6?-C6?-C6?-C6?-C6?-C6?-C6?-C6?-C6?-C6?-C6?-C6?MP?o'Q?ޭ,YfQ?uQ?&Q?E&HR?[OR?ƽ S?>[{S?HS?AT?P<U?U?QfL2rV?#*T7W?*5{X?yxρY?RTZ?GW:[?,,}\?$Di]?r„Ѭl_?Ip`?ek}a?b!b?aQc?ENd?ˆ}(Ff?Ag?{ qi?#Gk?@Mm?VDׅo?r1qp?WmUr?vrs?$ptu?N&n@w?+F?8*5{?3?{נ/??rfB?zC5%?Q+Ϣ?Av?O;5Y?Aը?no>?$Di?t{Ic?5]Ot]?b*?j+?e?F>x?Qf`?jh ?h[:?uV 1? H?[[%?8ߡ(?!T?@"2?IddY0?+m? b?¤? "ڎ?}?5^I?Dk?'0?8>[? ?6[?U??Ԝ?T?׻??ĕwF[???????????`G'11963 Norway, Individual Nonsupporters RF(M), MaleA-Roger Scott Lumsden 75147.2620@compuserve.comIndustry Annuitant Data Formula fit of mu(x) This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald Note a "supporter" must die to start annuity payments comimg.  ww_>Y1\>!>@?fLg? F?%?{?! ?_>Y1\ ?Z H?fLg?a2U0*?]E~?9̗?-C6?K8?+,?Ln!?bD#?@fg;%?X|[T'?.)?3O,?En1/?1zn+1?,am2?'4?Ǻ6?/PR`L9?_Q;?F̱>?hY@?IB?ro~DD?-;F?H? iTdK?Ap-N?7T7P?ܠ[;QR?Sr/0+T?y7V?nHJzX?ALZ?[a/]?O!WY`?@Cb?[z4c?|e?KXUh?_{fIj?(8'0m?Ip?q?1`U,~s?Ȓ9wu?"S>Uw?N"¿z?ެ|? ES?uʣa?F};l"?%tY?2?҈?ֈ`?iw?֨ht??*]?Þvk?ͨ*?rny? <.9? ?k#G?W횐? SK? ZH?C9Ѯ?BW"P?W횐?Ef.py?ZQf?\JH?X?܂?։ ?wak?T4?rb?W\?AҧU?4?T㥛 ?͓k dv?zNz?줾,? $}ZE?P1?҇.o?l)??]ky?s?o^?"4?/ި?7L4??c!:?5/?ǁWK?????????'J'21963 Norway, Individual Nonsupporters R(K), FemaleA-Roger Scott Lumsden 75147.2620@compuserve.comIndustry Annuitant Data Formula fit of mu(x) This is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald Note a "supporter" must die to start annuity payments comimg.  ww%>{>'eRC>_>Y1\>!>@?fLg? F?%?{?! ?_>Y1\ ?Z H?fLg?a2U0*?]E~?9̗?-C6?K8?+,?Ln!?bD#?@fg;%?X|[T'?.)?3O,?En1/?1zn+1?,am2?'4?Ǻ6?/PR`L9?_Q;?F̱>?hY@?IB?ro~DD?-;F?H? iTdK?Ap-N?7T7P?ܠ[;QR?Sr/0+T?y7V?nHJzX?ALZ?[a/]?O!WY`?@Cb?[z4c?:e?KXUh?_{fIj?jkD0.m?Ip?q?1`U,~s?Ȓ9wu?"S>Uw?CRz?ެ|? ES?uʣa?F};l"?%tY?2?҈?ֈ`?iw?֨ht??*]?Þvk?ͨ*?rny? <.9? ?k#G?W횐? SK? ZH?C9Ѯ?BW"P?W횐?Ef.py?ZQf?\JH?X?܂?։ ?wak?T4?rb?W\?AҧU?4?T㥛 ?͓k dv?zNz?줾,? $}ZE?-?҇.o?l)??]ky?s?o^?jM?/ި?7L4??c!:?5/?ǁWK??????uH')1963 Norway, Group Nonwidowers K(M), MaleA-Roger Scott Lumsden 75147.2620@compuserve.comIndustry Annuitant Data \Formula fit of mu(x) Different formulae below and above age 65, and they don't join smoothly rThis is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald  ww#N?ŏ1w-!O?^SO?`x%s}O?+,O?O?OwxP?*g\8P?MbP?p>?P?efbP?MP?o'Q?ޭ,YfQ?uQ?A Q?E&HR?.2R?ƽ S?>[{S?HS?AT?P<U?U?QfL2rV?#*T7W?*5{X?yxρY?RTZ?GW:[?,,}\?$Di]?r„Ѭl_?Ip`?ek}a?b!b?aQc?ENd?ˆ}(Ff?Ag?{ qi?#Gk?@Mm?VDׅo?r1qp?WmUr?vrs?$ptu?N&n@w?+F?8*5{?3?iw?֨ht??*]?Þvk?ͨ*?rny? <.9? ?k#G?W횐? SK? ZH?C9Ѯ?BW"P?W횐?Ef.py?ZQf?\JH?X?܂?։ ?wak?T4?rb?W\?AҧU?4?T㥛 ?͓k dv?zNz?줾,? $}ZE?-?E`o?l)??]ky?s?o^?"4?/ި?7L4??c!:?5/?ǁWK?????????rpI'+1963 Norway, Group Nonwidowers K(K), FemaleA-Roger Scott Lumsden 75147.2620@compuserve.comIndustry Annuitant Data Formula fit of mu(x) rThis is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald  ww%>{>'eRC>_>Y1\>!>@?fLg? F?%?{?! ?_>Y1\ ?Z H?fLg?a2U0*?]E~?9̗?-C6?K8?+,?Ln!?bD#?@fg;%?X|[T'?.)?3O,?En1/?1zn+1?,am2?'4?Ǻ6?/PR`L9?_Q;?F̱>?hY@?IB?ro~DD?-;F?H? iTdK?Ap-N?7T7P?ܠ[;QR?Sr/0+T?y7V?nHJzX?ALZ?[a/]?O!WY`?@Cb?[z4c?:e?KXUh?_{fIj?jkD0.m?Ip?q?1`U,~s?Ȓ9wu?"S>Uw?CRz?ެ|? ES?uʣa?F};l"?%tY?2?҈?ֈ`?iw?֨ht??*]?Þvk?ͨ*?rny? <.9? ?k#G?W횐? SK? ZH?C9Ѯ?BW"P?W횐?Ef.py?ZQf?\JH?X?܂?։ ?wak?T4?rb?W\?AҧU?4?T㥛 ?͓k dv?zNz?줾,? $}ZE?-?҇.o?l)??]ky?s?o^?jM?/ި?7L4??c!:?5/?ǁWK??????uH''1963 Norway, Group Widowers KE(M), MaleA-Roger Scott Lumsden 75147.2620@compuserve.comIndustry Annuitant Data Formula fit of mu(x) rThis is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald  ww_>Y1\>!>@?fLg? F?%?{?! ?_>Y1\ ?Z H?fLg?a2U0*?]E~?9̗?-C6?K8?+,?Ln!?bD#?@fg;%?X|[T'?.)?3O,?En1/?1zn+1?,am2?'4?Ǻ6?/PR`L9?_Q;?F̱>?hY@?IB?ro~DD?-;F?H? iTdK?Ap-N?7T7P?ܠ[;QR?Sr/0+T?y7V?nHJzX?ALZ?[a/]?O!WY`?@Cb?[z4c?|e?KXUh?_{fIj?(8'0m?Ip?q?1`U,~s?Ȓ9wu?"S>Uw?N"¿z?ެ|? ES?uʣa?F};l"?%tY?2?҈?ֈ`?iw?֨ht??*]?Þvk?ͨ*?rny? <.9? ?k#G?W횐? SK? ZH?C9Ѯ?BW"P?W횐?Ef.py?ZQf?\JH?X?܂?։ ?wak?T4?rb?W\?AҧU?4?T㥛 ?͓k dv?zNz?줾,? $}ZE?P1?҇.o?l)??]ky?s?o^?"4?/ި?7L4??c!:?5/?ǁWK?????????'J'"1990 Switzerland ERM, Indiv., MaleA-Roger Scott Lumsden 75147.2620@compuserve.comMIndustry Annuitant Data of member companies of Union of Private Life InsurersExposures of 135,000 lives 1981 to 1985 OGraduation by spline functions Extrapolation by method of the half-value period rThis is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald  ttiUMu??iUMu??iUMu??iUMu??iUMu??iUMu??iUMu??iUMu??iUMu??iUMu??iUMu??iUMu??iUMu??iUMu??iUMu??iUMu??iUMu??iUMu??iUMu??iUMu??iUMu??`??*g\8@?ӹ@?: vA?*3A?E&HB?r C? FC?BD?N ^E?ܚt["G?(XQiH?I%rI?GW:K?K8L?~tgyN?Fn1P?C8 Q? R?ͮ{+S?10&T?Z}uUV?-X?'eRC[? ]?bFx{`?$Db?vrc?e?|g?i? nlk?$Dim?Ip?۠[;q?mr?s?Hu?@OIv?;]x?QZz?wb֋|?9}=?U?`cDЂ?/H?oN\?S*g?_&?K?og_y?*WY۔?gCV?<?k dv?2?}b:?E'K?2w?i?x1!?1?.m8? `?1Mc?&i ??w? eO?"¿3? (ӿ? X?6:?:8؛?ʼnv?gCA|?(zc?є~P?&?HH?"3@P?ƊLQ?臭S?"nN%@U??V?(XQiX?1Y?W\T[?]2\?CO}:^?P_?$ -`?ٕa?a[>b?IICc?ZӼd?r#Df?9g?ùi?*wk?uim?Np?Fr?뤾,t?0DN_w?EB{?&jjZ?{/h?m?nK3?;s ?C3O)?1Z{?V%}?:vP?FD1y̜?{Y?Q0?A_?hK6l? 8*?0?[{?&7?)^?A%c?L:?Y"?Քd?7:r$?&s|?{3jJ>?|? J=?l!A ?j%!?6x"?J??4'$1980 Switzerland GRF, Group., FemaleA-Roger Scott Lumsden 75147.2620@compuserve.comMIndustry Annuitant Data of member companies of Union of Private Life InsurersExposures of 160,000 lives 1971 to 1975 #Various formulae fits in age ranges rThis is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald  uu8>?+,??Mb@?MjhA?;PvW?Pi4X?N"¿Z? iTd[?TUh \?9% &B^?}e_?RC `?&fe`?~oӟHa?¾Da?ma?ua?ѕT b?Bb?ZDc?հc?u;ʃd?uR_f?i;.h?.noj?(8'0m?c'>p?|b*3r?9+&|t?1 O!w?o4(z?4}?)v4?DԷ?V_]?9 ?L!u;?*Z^?[^6S?C5%Y?k)?àLŘ?K?Y?=D;?_ǣ?c 1?.:Yjߨ?٫?l%?K?Z\?w]?VE?iv?DT?h?g A?[oˡ?.@6$Ik?+N?s+ܦ?& A?~?6},3[?Hm=?\P?z?c_?cHf?Ԃr6x?$?%g?:O%e?̸;YŖ?n-?:Ӝ?pI?'>I?'>I?'>I?'>I?Ah:;I?'>I?I?t^cJ?_QK?H}M?ŏ1w-!O?r&"P?מYR?x S? K?m?ܝ.4?P?~T?\8L?X4 ?|ʄ_?C5v?9̗?E?<D?%1? / ?|~! ?'IL?? {?I?V̯??'*1990 Switzerland EVK, Fed. Pension, FemaleA-Roger Scott Lumsden 75147.2620@compuserve.com$Federal Employees Pension Funds data 1982 to 1987 rThis is from the diskette available with "The Second Actuarial Study of Mortality in Europe" Editor: A.S.MacDonald  gg-C6:?'>9? W8?VF?8?9̗7?9̗7?Ǻ6?q@H6?8*5{5?h㈵4?h㈵4?q@H6?9̗7?'>9?3.I?_QK?~tgyN?p>?P?+ٱQ?dS?MۿҤT?q@HV?*5{X?-C6Z?y&1\? x#_?]a?@j';d?g?9vj?VCn?"uq?j+s?N ^u?c#w?_xZy?g uz?겘|\{?3.|?bg }?S.}?\4 ?*g\8?;S.?%ǝ?M O?4 ?5A}R?"?Րǒ?J4?B`"ۙ?%?*oG8-x?Y?鷯? y)? rh?.?BB?M O?Zwg?R?o*R?9}?m?!A?;i? [?Y9}?4Op?(yu?R%?@x=\?.Q?HIO?_{fI?wJ??o*Ral??.b8@'data/qx_cso.dat0000664000175000017510000067223706163605522012275 0ustar greglmi-1941 US CSO Basic, Age Nearest, Male & FemaleARoger Scott Lumsden 75147,2620.Ultimate experience on standard insured lives. tA special iterative formula was developed for removing the margin from 1941 CSO, to find an "unloaded" Basic version TASA XLIII, pp 81-88 iBecause the 1941 CSO table was regraduated after the margin was added to the Experience table, there was a desire for a Basic table which was 1941 CSO with the margins removed. In general it is close to the original Experience table but differs substantially at certain ages affected by the regraduation. CSO stands for Commissioners Standard Ordinary Insurance  dd(JiW?/r]t?%]3fk?_Le?/nb?Xj`?H}]?t^cZ?*5{X?T?5l/R?r&"P?r&"P?nQ?HPsR?3fS?׆q&T?T?fʉvU?q@HV?ǺV?c#W? WX?[| Z?F%u[?"\?6Y]?iUMu_?7T7`?"ua?vꭁb?3fc?/"e?I +f? 0*h? o_i?@_k?uim?qo?E>q?Y4 r?1=at?8*5{u?)t^cw?}:3Py?$]3f{?V-}? W?P6 r?eI)?0*?9]? c AJ?Bf?-[닄?.s,&6?X?4ctv?ۿҤ?b('ڕ?N»\ė?B`"ۙ?O#-#?7ܘ?&?߄B?V?{j?E>'I? Q?Q?ʄ_? cZB>?iR ?cz(?>tA}˴?8-xW?x?c&?>W[?e6$#?|~!W[? {,}?p $ ? Ky?yt{?~tgy~?{?j>"D?x ?'?иp $ ?$([?%7ی? ?ĬC9?Րǒ?4s?q@H? 0B? m??Ɯ?q]P?/$?Ϡ?N ^? KW[?I_{?"q]?Bf???E 2?/?ꕲ q?g??Q?MۿҤ?g u?ްmQf?D???n4?|~?U 7?o1=?kC?ڧ1?wg ?~k, ???%I'$1941 US CSO, Age Last, Male & FemaleAPrepared by Stephen J. Strommen, FSA, based on electronic data provided by Bill White, FSA. Not yet verified from printed source data..Ultimate experience on standard insured lives. 1930 to 1940 RCalculated from Age Nearest by averaging lx's and rounding to nearest even integer TSA XII, pp 322-348 The experience mortality rates were loaded to provide a contingency margin and some expense margin. The table was used as a minimum valuation standard in many states beginning in 1948. CSO stands for Commissioners Standard Ordinary Insurance  cc }9?MPt?!Jn?[| j?vӂg?EV f?d?Nz1c?5l/b?70`? x#_?iUMu_?q_?p>?`?~oӟHa?a?5l/b?vꭁb?9]c?a2U0*c?@j';d?ZӼd?Ϡe?9]f?eS.g?Gŧh?HPh?[| j?#Gk?"l?<,Ԛm?VCKo?ezFwp?3ySq?}"Or?r_s?/r]t?gsu?{w?E ax?_5!z?yt{?%}?=~o?C8 ?j>"D?Ӈ.o? p?#-#?ϛT?R 1?J8?&pn?-l?5o?&?ni5$?V_?5ctv2?/?h?RDU?խ?QI?H.?kC8?hW!?I2? TƿϨ?N?![='?*s?aod?>d??Ŋ?.ǵ?9̗?R%?a2U0*?8gDio??"2?:M?9⪲?Ku?XQi?)yu?d?N#-?b('?Pf?P0AC?'fʉ?9}?vN?!J?,`?PN?x?eI?8ߡ(??J''1941 US CSO, Age Nearest, Male & FemaleAStephen J. Strommen, FSA.Ultimate experience on standard insured lives. 1930 to 1940 A margin of .05/ex was added to 1941 CSO Experience (q.v.) Then ages 15+ were Makehamized. Ages 1-12 just added the margin. Ages 13-14 with a third degree curve through 11, 12, 15 and 16. Ages 93-99 with a third degree curve to end at 1.0 TASA XLII, pp 314-340 The table was used as a minimum valuation standard in many states beginning in 1948. There was no 1941 CET table, use 130% of 1941 CSO for Extended Term CSO stands for Commissioners Standard Ordinary Insurance  cc s,&6?GĔHw?p?@_k?|~h?#-#f?ُae?@j';d?3kb?R\U]a?Vc#`?VCK_?iUMu_?*g\8`?`?"ua?ƊLa?;Onb?HPsb?'@jc?Pc?6ُd?+~7e?N ^e?mf?9̗g?|~h?|DL$zi?9vj?_Qk?=\r)m?Ws`n?Xjp?r&"p?5;Nq?7r?Ps?0*u?9]v?9w?}:3Py?z?>tA}|?mIF~?ezFw?5Y?"-?:K? K$@M-? QI?`Ù?镲 ?a_Yi?/>:u?/$?++MJA?F(?_Ah:?x?9(a?~oӟH?`?:K?f?IZ֧?g'թ?ı.n?;Nё\?)s?L<ձ?S?Z| ?m?0 GĔ?m?LۿҼ?Ȱ72?!u?m4@?],σ?R?o*R?g,N?x@?aۢ?q?v?zpwn?1 {?6XO?-[닄?5l/?X9v?AH0[?IFž?6X?#0??lT'1958 US CET, Age Last, Female ARoger Scott Lumsden 75147,2620 RCalculated from Age Nearest by averaging lx's and rounding to nearest even integer KMonetary Tables based on 1958 CSO and CET, Volume I, Basic Values, SOA 1961 This table is for Extended Term Insurance Note, this is the original Female version with a 3 year setback later a 6 year setback version was also developed. CET stands for Commissioners Extended Term Insurance  ff8_8s?YXb?kʺ$sa?`?4$`?X`?\{u_?VC^?Ws`^?~tgy^?=ˎ^?/CA^?.s,&6_?@Ç_?eB`?70`?E>a?5;Na?;Onb? ű'c?c?Nz1d?iWVd?h㈵d?fO]TAe?tЀe?gse?ce?ff?PRf?#-#f?8Mf?$cg?Jg?ϛTh?pe䇥h?|DL$zi?h)Aj?Ӎfk?uLl?LQTn?ZHp?r?ӝ's?)TPQu?N(w? *y?HBA[{?#dT}?M:?_߸?rXu^?y\1?tjx2?}K`?n?&T?sb??eB?´{ʓ?q ƥ?kѯ?TG?^ӃR??c~x?}?r6?,ν,?  1?V? ?zO崯? vöE?;o? @A?ӵ?kn?q'lU?]zk`?Agt?DK?YF?/?;9CqǛ?6C?N3?l?% ?o1?ih?)v?k9?1*B?ƿϸp ?SIS ?m~|?Li?ȿ?76?sfQ?yfM??('1958 US CET, Age Last, Male ARoger Scott Lumsden 75147,2620 RCalculated from Age Nearest by averaging lx's and rounding to nearest even integer KMonetary Tables based on 1958 CSO and CET, Volume I, Basic Values, SOA 1961 ^This table is for Extended Term Insurance CET stands for Commissioners Extended Term Insurance  cc ;%8u?r*gc?מYb?]a?`ha?St$`?qm`?HțW`?Vc#`?Xj`?Vc#`?HțW`?70`?E>a?5;Na?;Onb? ű'c?c?Nz1d?iWVd?h㈵d?fO]TAe?tЀe?gse?ce?ff?PRf?#-#f?8Mf?$cg?Jg?ϛTh?pe䇥h?|DL$zi?h)Aj?Ӎfk?uLl?LQTn?ZHp?r?ӝ's?)TPQu?N(w? *y?HBA[{?#dT}?M:?_߸?rXu^?y\1?tjx2?}K`?n?&T?sb??eB?´{ʓ?q ƥ?kѯ?TG?^ӃR??c~x?}?r6?,ν,?  1?V? ?zO崯? vöE?;o? @A?ӵ?kn?q'lU?]zk`?Agt?DK?YF?/?;9CqǛ?6C?N3?l?% ?o1?ih?)v?k9?1*B?ƿϸp ?SIS ?m~|?Li?ȿ?76?sfQ?yfM??VVm' 1958 US CET, Age Nearest, Female ARoger Scott Lumsden 75147,2620 7Margin added to 1958 CSO of greater of 0.75/1000 or 30% ^TSA XI p 1060-1069 Monetary Tables based on 1958 CSO and CET, Volume I, Basic Values, SOA 1961 This table is for Extended Term Insurance Note, this is the original Female version with a 3 year setback later a 6 year setback version was also developed. CET stands for Commissioners Extended Term Insurance  ff8Pkw|?3fc?+ٱa?J4a?70`?hUM`? x#_?ŏ1w-!_?O;5Y^?~tgy^?~tgy^?O;5Y^? <^?iUMu_?Xj`?ezFw`?`?na?Q,b?lsczb?'@jc?x c?1%ed?d?/"e?ُae?8*5{e? K?9]?CB?vq -?:?S?/"?s,&6? Q?1 {?EB[?1%?/n?Q?YLl> ?׻?ޫ?_Fj?מY?/r]?*Wx?fa??'IL?jH?,g~?].;1?L2r?B=?72?lIF?XL~?B?s)*? r?9 ??c=yX?ĬC9?Dl?RQ?7??`f'1958 US CET, Age Nearest, Male ARoger Scott Lumsden 75147,2620 7Margin added to 1958 CSO of greater of 0.75/1000 or 30% XTSA X, p 702 Monetary Tables based on 1958 CSO and CET, Volume I, Basic Values, SOA 1961 ^This table is for Extended Term Insurance CET stands for Commissioners Extended Term Insurance  cc ~k, ?6ُd? ab?Q,b?"ua?J4a? ^)`?ezFw`?*g\8`?Xj`?Xj`?*g\8`?ezFw`?`?na?Q,b?lsczb?'@jc?x c?1%ed?d?/"e?ُae?8*5{e? K?9]?CB?vq -?:?S?/"?s,&6? Q?1 {?EB[?1%?/n?Q?YLl> ?׻?ޫ?_Fj?מY?/r]?*Wx?fa??'IL?jH?,g~?].;1?L2r?B=?72?lIF?XL~?B?s)*? r?9 ??c=yX?ĬC9?Dl?RQ?7??{'&1958 US CSO Basic, Age Nearest, FemaleARoger Scott Lumsden 75147,26205Exposures of $170 billion, Deaths of $1,987 million. XAges 15+ are 1958 CSO Basic Male with 3 year setback. Special adjustments for ages 0-14. TSA XXXIII, p 636 see also TSA VIII, p 534, and TSA IX pp 1-64, for X-18 table TSA XI, pp 1060-1069 for juvenile adjustments. NAIC Proceedings, I [1959], 209-291 ^Experience Table underlying 1958 CSO. CSO stands for Commissioners Standard Ordinary Insurance  gg@QfL2rv?!JN?N ^E?a2U0*C?R\U]A?!J>?t^c:?9̗7?h㈵4?a2U0*3?d3?d3?a2U0*3?h㈵4?Ǻ6?'>9?K8p?j>"Dr?@j';t?gv?5)^x?{{?aod~?.;1ŀ?ʉvR~?]`7l[?û\wb?.?9]?%Ǎ?"q]?zަ??{专?^K=?0du礗?B`"ۙ?ٔ+E?s ^?M?Y4 ?<1PN?fj+?3.?&1?`ME*?OXeS?|a2U?`TR'?"?IQ,?`9?K8p?j>"Dr?@j';t?gv?5)^x?{{?aod~?.;1ŀ?ʉvR~?]`7l[?û\wb?.?9]?%Ǎ?"q]?zަ??{专?^K=?0du礗?B`"ۙ?ٔ+E?s ^?M?Y4 ?<1PN?fj+?3.?&1?`ME*?OXeS?|a2U?`TR'?"?IQ,?`"DR?-R?ȺnR?kC8S?@j';T?/"U?+H3V?+eXW?~jtX?Y?3X'[?h:;\?(\?d]?P_J:^?Ƴ^?ŏ1w-!_?vt_?u_?vq -`?Ww`?DW} p`?P)K>a?+ٱa?ϼw/b?+b?1ZGUc?fLd?0*e?j1 Hf?Og?jti?zk?/n?]nPVgp?q?OYs? Mu?D#v?F- x?&&^TA{?@zԩ<}?j5L?gRTG؁?xܙ ?<X?o3T?-˧}? Qڋ?#tQt?a?7??{?h5 zʕ?jX\җ?TE ?)t?cost?aM?̴X坢?a%0c?'|(S?:e?\b4?{>ج?K^b,?2Ƈ˰?q@H?kk??2ֶ?.0и?F? 4H? ?@1`$?EW3|Ux?$)D?*N?e?.\s?0at/?n@?pl/?bX9H?Άz?'>?aL*? ?!-D?mr?!???'1958 US CSO, Age Last, MaleAPrepared by Stephen J. Strommen, FSA from electronic data provided by Bill White, FSA. Not yet verified from printed source data.2Ultimate mortality on standard ordinary insurance. 1950 to 1954 RCalculated from Age Nearest by averaging lx's and rounding to nearest even integer hTSA XIII, Part I, pp 607-613 Monetary Tables based on 1958 CSO and CET, Volume I, Basic Values, SOA 1961 _The experience mortality rates were loaded to provide a contingency margin and some expense margin. The table was used as a minimum valuation standard in many states prior to adoption of the 1980 CSO. There were both qx and lx published. The lx's were the legally definitive values. CSO stands for Commissioners Standard Ordinary Insurance  cc 3ڪ$r?t^cZ?##iX?=mW?AV?gsU?ӭ T?1%eT?US?3fS?x S?1%eT?/"U?+H3V?+eXW?~jtX?Y?3X'[?h:;\?(\?d]?P_J:^?Ƴ^?ŏ1w-!_?vt_?u_?vq -`?Ww`?DW} p`?P)K>a?+ٱa?ϼw/b?+b?1ZGUc?fLd?0*e?j1 Hf?Og?jti?zk?/n?]nPVgp?q?OYs? Mu?D#v?F- x?&&^TA{?@zԩ<}?j5L?gRTG؁?xܙ ?<X?o3T?-˧}? Qڋ?#tQt?a?7??{?h5 zʕ?jX\җ?TE ?)t?cost?aM?̴X坢?a%0c?'|(S?:e?\b4?{>ج?K^b,?2Ƈ˰?q@H?kk??2ֶ?.0и?F? 4H? ?@1`$?EW3|Ux?$)D?*N?e?.\s?0at/?n@?pl/?bX9H?Άz?'>?aL*? ?!-D?mr?!??)HX' 1958 US CSO, Age Nearest, FemaleA$Prepared by Stephen J. Strommen, FSA2Ultimate mortality on standard ordinary insurance. 1950 to 1954 ]TSA XI p1060-1069 Monetary Tables based on 1958 CSO and CET, Volume I, Basic Values, SOA 1961 kThe experience mortality rates were loaded to provide a contingency margin and some expense margin. The table was used as a minimum valuation standard in many states prior to adoption of the 1980 CSO. For ages 15 and over, this table is a 3-year setback of the corresponding male table. CSO stands for Commissioners Standard Ordinary Insurance  ff8a+ey?겘|\[?W?_vOV?/"U?MPT?kC8S?HPsR?מYR?5l/R?5l/R?מYR?vꭁR?U+S?3fS?MۿҤT?8*5{U?"V?c#W?Ah:;Y??ŊZ?@_[?"\?nS]? ]?~tgy^? <^?VCK_?;f_?Xj`?hUM`?7T7`?C8 a?P6 ra?ƊLa?;Onb?dc?a2U0*c?6ُd?8*5{e?Ǻf?cbqmh?9vj?Ql?iUMuo?6ُq?Y4 r?׆q&t?'u?^2w?[| z?Pkw|?ŏ1w-!?C8 ?PC?1%e?ZM?tF_?9v?`5!?=~oӏ? rh?al!A ?3KԔ?"Ɩ?0{?8*5?ui?K7A?apɡ?2y?Ih˹W? 1Z? U+~? $(~?o_?%1?4Op?V`Ȳ?M#E?8gDio?Րҷ?H|?67'?Ǻ?~?.4?V 3? K"DR?5l/R?j>"DR? aR?UN@S?@j';T?fʉvU?"V?*5{X?|DL$zY?t^cZ?h:;\?W!'>]?_vO^?.s,&6_?q_?TB`?>`?T`?`?4 a?~oӟHa?ek}a?a?Q,b?Bb?9]c?3fc?Hh˹d?s.Uee?eNg?R~Rh? {j?K8l?ŏ1w-!o?Sgp?L1%r?խs?[*MFu?:vPw?9y?n;2V{?M)}? IG??dȁ?Sq?yȔA?a7?}V?b0훋?XQi?9?q?/ ?t_lW?D-ͭ?b ?ظ]9?(+ ?^?\ '?ǣ?A"Db?lsczb?'@jc?@j';d?+~7e?I +f?*5{h? o_i?#EdXk?<,Ԛm?vq -p?P6 rq?HPsr?1%et?bJ$(v?иp $ x?xWf,z?"|?ŏ1w-!?St$?3mJ?MP?+H3?VF??Tގp?>tA}ˌ?j?oe1?DԷ?m?# ?*s?Ral!A?cز?ɰ72?g?Tt?`?7T7`?70`? ^)`?C8 a?~oӟHa?"ua?ƊLa?מYb?HPsb?'@jc?nd?d?s.Uee?g?(XQih?[| j?lxz,Cl?!Jn?PNp?ƊLq? 3mJs?MۿҤt?bJ$(v?,+MJAw?a+ey?#G{? QI}? ?C8 ?;On?£#?Kq?D?b=y? F%u?hyܝ?V-?Ǻ?ek}?333333?{?(,)?c('UH?Ҥt?V-?9̗?]wb֋?Ӥt{I?Af?hW!?CV?L֭?Է鲘?{ʄ_?ׁsF?9]?#?nSr?}"O?#^ ?$~?oӟH?`VI?K?%?t//?E 2?ĔHQ?T[?( ?`?~:p?B=?^?N ^??'1980 CET 20% Male Age nearestARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc  ^)p?겘|\[?-C6Z?Y?'>Y?Ah:;Y?E|'fX?(XQiX?c#W?W?W?W?(XQiX?a+eY? .V`Z?_Q[?=\r)]?%^?ŏ1w-!_? x#_?Vc#`?hUM`?Mb`?p>?`?7T7`?70`? ^)`?r&"`?J4a?P6 ra?a?5l/b? ab?9]c?"c?1%ed?_Le?QfL2rf?g?ض(A&i?F%uk?H}m? Wp?3ySq? ar?x s?KTo lu?I2v?E ax?&Kz?lxz,C|?`Y~?Mb?eX?&?'"?+H3?,+MJA?gaO;5?<,Ԋ?wb֋?mIFŽ?{?DQOI?? ?37?|?5^?ɰ72??ߞ?S㥛Ġ?מY?uT5A?ׁsF?x@??x=?Tr3܀?Ҥt{?k, P?B!J?9#J{?$ ?ڊe? 0*?%??ctv28?H???x#?9]?ĬC9?V ?}Y?}?"AL?C9ѮB?VCK??p'$1980 CET 20% Male Nonsmoker Age lastARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc1߄B\?K8\?H}]?%^?!J^?ŏ1w-!_?ŏ1w-!_?VCK_?iUMu_?;f_?;f_? x#_?Xj`?hUM`?ezFw`? ^)`?C8 a?~oӟHa?+ٱa?j>"Db?3kb?"c?MۿҤd?gse?^/ f?VF?h?i?S!uqk?)hm?iUMuo?bp?zަ?q?1ZGUs?Hh˹t?+H3v?gj+w?y??߾|?~tgy~?7?VF?1ZGU?j0 GĄ?-=?*p?C4؉?O#-#??rK!?d?X?@j'?KqU?&?)"*?p $ ?מY?ao?,`?|\*Ʃ?Gw;S?Vc#?='o|?&۳? ?G`?%1 ?H?A4F?t^c?h㈵?8*5? ?ꭁ?`?ep:?%P?T[?( ?`?~:p?B=?^?N ^??=qF''1980 CET 20% Male Nonsmoker Age nearestARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc@_[?"\?nS]?6Y]?O;5Y^?ŏ1w-!_? <^?VCK_?VCK_?;f_?iUMu_? x#_?q_?*g\8`?Mb`?7T7`?`?J4a?P6 ra?/nb?Bb?1ZGUc?׆q&d?+~7e?q@Hf?vӂg?HPh??Ŋj?>?ml?aodn?hUMp? rhq?&Sr?1=at?KTo lu?{w?7x?)'$z?W!'>}?X9v?J4?%ǝ?n?fʉv? ףp= ?5)^҈?)'$?Oec?B=? / ?m?J4?ԕ"Db?;Onb?vꭁb?dc?kC8c?x c?6ُd?/"e?s.Uee?"f?g?Ah:;i?F%uk?H}m?vq -p?VFq?a2U0*s?fʉvu?eNw?}:3Py?5A}R{?YBs}?m?iQ?}"O?{七?L?-l?&Nw(?x@e?s.Ueߵ?KqUٷ?6?jjZ_?mscz?Oz1?s?̯?Ր?g~5?'K?)h?+?_Ah:?>?; >?T㥛 ?`?~:p?B=?^?N ^??8F'$1980 CET 20% Male Smoker Age nearestARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc ]?iUMu_?Mb`?r&"`?~oӟHa?na?a?]a?ƊLa?Q,b?5l/b?מYb? ab?lsczb?UN@c?"c?@j';d?ZӼd?fʉve?9]f?eS.g?(XQih?_5!j?lxz,Cl?VCn?St$p?7r?6ُt?gv? c AJx?&Kz?ǵb|?Ws`~?Sg?5Y?d?Ƣdp?f?gj+?='o|?1߄B?)"*?%?rK!?5l/?+pW?\? pUj?E a?N?H}?qZ| ?4c?~T?1=a?,g~?d`TR?`?d,?.s,&6?~oӟH?1%e?Z| ?4)ݶ? W?nض(?H?Ac]K?S.?_Q?f2}?1?y?na?P?!X4?Y?oӟHY?E|'fX?VF?X?c#W?c#W?W?*5{X?oӟHY?[| Z?yCn[?wJ\?%^?ŏ1w-!_?q_?Mb`?p>?`?7T7`? ^)`?r&"`?`?`?C8 a?J4a?P6 ra?a?Q,b?Bb?dc?Nz1c?@j';d?YLl> e?_vOf?kHcCg?cbqmh?&Kj?"l?.s,&6o?r&"p?L1%r?D s?h㈵t?G|v?*5{x?C4y?@_{?%}?Xj?R\U]?Րǂ?MP?'?vӂ?J +?}гY?[ ?u?aTR'?/n?SW>˓?0r.ŕ?^2??!>M?u?xZ?a+e?£#?EV ?~jt?&p?d;O?=~oӟ?^)Dz?0?~W[ɶ?*-9(?:@0G߻?qh?B?T:X0?hbE?{?m?&J?eI)?%7?qWs`?0"?XQi?W2ı?{w?p>??uv28J^?2w-!??պ'1980 CET 25% Male Age nearestARobert J. Johansen, FSA ,This table has not been adopted by the NAIC.  cc 6ُq?yCn[? .V`Z?Y?Y?Ah:;Y?E|'fX?~jtX?c#W?c#W?W?W?~jtX?'>Y?Q,Z?[[%X\?d]?!J^?;f_?*g\8`?p>?`?p>?`? ^)`? ^)`?`?`?C8 a?4 a?R\U]a?"ua?ƊLa?מYb?lsczb?UN@c?Pc?MۿҤd?Ϡe?mf?c#g?|DL$zi?#Gk?<,Ԛm?TBp?nq?HPsr?@j';t?gsu? m9w? Wx?W 3z?-[닄|?VC~?PN? / ?jv?h?fIZ?mnLO??%]3f?H}?X9v?J4?"^Fܒ?\?=If͖?e1?m2?!Yn?U؟?"AL?3k?i?# ٬?Fx $?nnLOX?{丳?_?V-? h"lx?=d?S?o*Ra?Tt??uv28J^?2w-!??:l''1980 CET 25% Male Nonsmoker Age nearestARobert J. Johansen, FSA ,This table has not been adopted by the NAIC.  cc1߄B\?wJ\?6Y]?~tgy^?ŏ1w-!_? x#_?;f_? x#_? x#_?Xj`?q_?Xj`?Vc#`?hUM`?p>?`?70`?`?~oӟHa?na?Q,b? ab?'@jc?@j';d?_Le?9]f?9̗g?oӟHi??Ŋj?y&1l?~tgyn?G8-xWp?nq?lsczr?@j';t?fu?kHcCw?oӟHy?m2{?}?Xj?P6 r?s?i&k?b('څ?vӂ?_xZ?yCn?%u?p= ף?Py?0Bx?IFž?bg ט??h˹W?%1?Q?Ynͣ?|\*?g~5?xZ?sA?ea?pUj@?vkF?1=a?&1??@j';?nS?)\(? pU? v?1%e?g?I2?zrK?dzF?H.!?mV}b??S?Dio?&J??R '!1980 CET 25% Male Smoker Age lastARobert J. Johansen, FSA ,This table has not been adopted by the NAIC.  cciUMu_?ezFw`?C8 a?na?]a?Q,b?j>"Db?מYb?;Onb?Bb? ab?lsczb?3kb?U+c?a2U0*c?@j';d?Hh˹d?ُae?_vOf?0ACg?*5{h?'>i?S!uqk?q>?n?ezFwp?Q,r?x s? K?Z!?ʦ\? ?rK!?"*??uv28J^?2w-!??97 '$1980 CET 25% Male Smoker Age nearestARobert J. Johansen, FSA ,This table has not been adopted by the NAIC.  ccO;5Y^?Vc#`? ^)`?~oӟHa?a?/nb?j>"Db?מYb?מYb?Bb?Bb?vꭁb?HPsb?dc?'@jc?x c?{Gzd?YLl> e?gse?#-#f?vӂg?E|'fh? .V`j?y&1l?iUMuo?J4q?Έ s?ZӼt?Aǘv?Էx? {z?!u|?m?70?T5A}?'@j?b?o\?kC4?_{fI?̯?9z?xZ??7̒?'Nw( ?/$?++MJA?҇.o?#0ܛ? S"?7ܘ?H.?vN?YiR ?oض(A?"?7d??8 ?ı? ?bbq?o_? ui?}yѩ?XO0?w( ?< .?x ??3܀#?&kC4?[Ɏ?7?t)*?"uq ? q?4ؙB?mV}b??S?Dio?&J??*'1980 CET 40% Male Age lastARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc Gŧh?겘|\[?Q,Z?-C6Z?Y?a+eY? WX?(XQiX?*5{X?c#W?W?(XQiX?a+eY?t^cZ?"\?_vO^? x#_?p>?`?C8 a?R\U]a?"ua?+ٱa?a?a?+ٱa?"ua?+ٱa?]a?/nb?j>"Db? ab?dc?kC8c?nd?d?8*5{e?mf?c#g?a+ei?m2k?m? Wp?P6 rq?7r?ׁsFt?u?)t^cw?ض(A&y?z?ZӼ}?VCK?&pn?}"O?j+݃??+eX?+?zNz?Z_$?9z?XeS?g\8?],σ?b?sƗ?Ș?Tt??W[?x]?]ʾ+?N],ϣ?.Q?c ?%? %̴?vT5A}?"*Y?oӟHY?E|'fX?*5{X?c#W?W?c#W? WX?[| Z?@_[?H}]?ŏ1w-!_?hUM`?r&"`?~oӟHa?na?+ٱa?a?a?a?"ua?+ٱa?a?ƊLa?Q,b?;Onb?HPsb?UN@c?"c?{Gzd?/"e?_vOf?kHcCg?~jth?-C6j?[[%Xl?VCn? ^)p?L1%r?kC8s?0*u?o\v?VF?x?[| z?1߄B|?%~?B=?n2d?4 ?M O?QfL2r?VF??5l/?yt?<,Ԛ? ?P?n4Ғ?3?׻?ޫ? W?]K=?V-?q@H??o*Ral?UގpZ?=?sAϦ?tN?x@ٔ+?Q? N]?nض(?Z ?{?X5;N?#0ܻ?\ʾ?ZӼ?eS?s?Ĭ?Z![?y@ٔ+?t//>?1_^}t?? x?Ӥt{I? ?&:?J_{f?:}k?z3K??'$1980 CET 40% Male Nonsmoker Age lastARobert J. Johansen, FSA (This table has been adopted by the NAIC.  ccd]?!J^? x#_?*g\8`?p>?`?70`?7T7`?7T7`?7T7`?p>?`?ezFw`?ezFw`?p>?`?70`? ^)`?C8 a?R\U]a?"ua?/nb? ab?UN@c?nd?h㈵d?EV f?kHcCg?~jth?[| j?VIk?<,Ԛm? Wp?E>q?Pyr?j+s?Ih˹Wu?Ǻv?5)^x?<,z?W!'>}?=~o?R\U]?"-?UMu?< .?gj+?='o|?Sr3?:pΈҎ?"7 ?n4Ғ?L~ޔ??(rw?[Υ?`?`?7T7`? ^)`?r&"`?~oӟHa?na?a?מYb?3kb?a2U0*c?6ُd?fʉve?mf?IZg?}:3Pi?ALj?wJl? ٬?6o1??ek}?ah?^?hW!?)"ê? ?{?_{fI?3k?I_{?E 2ɸ?he?ta?+0du? {?D?d?X5;N?3?= ףp=?1_^}t?? x?Ӥt{I? ?&:?J_{f?:}k?z3K??=*'!1980 CET 40% Male Smoker Age lastARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc7T7`?"ua?j>"Db?HPsb?1ZGUc?Nz1c?a2U0*c?a2U0*c?a2U0*c?a2U0*c?Nz1c?a2U0*c?"c?x c?1%ed?ZӼd?fʉve?_vOf?Ǻf?IZg?HPh?g uj?̯l?iUMuo?J4q?3kr?t?Aǘv?@x?ALz?W!'>}?r]?C8 ?4)^?2Y؃?Kq?eS.?gaO;5?y]`7l?\ Ac̍?.&?vݰm?㥛 ?m?ُa?4i?Z ͘??Yڊ?Uj@+?3ı.n? x#?3?bJ$(?9̧?(D!T?׻?ޫ?됛|?( ?4Fj?9?A_?~k, ?e ?{1*?n/i?xb֋?_5!?׻??ui??(\?J?£#?~:?'XQ?ܺ:?~:p?\8L?yt?y;i?,NG?Rb?N ^??fF\'$1980 CET 40% Male Smoker Age nearestARobert J. Johansen, FSA (This table has been adopted by the NAIC.  ccVc#`?J4a?/nb? ab?U+c?kC8c?a2U0*c?a2U0*c?a2U0*c?a2U0*c?Nz1c?Nz1c?"c?3fc?׆q&d?MۿҤd?+~7e? K?n?Mbp?zަ?q?j+s? K?l, PS?v/?Gŧ?= ?AC?dwW?uݿ? N]??@0G? {?E?l/?0L F%? W??uT5A?D ?a+e? ?&:?J_{f?:}k?z3K??9K'1980 CET 50% Male Age lastARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc cbqmh?@_[?F%u[??ŊZ?[| Z?'>Y?oӟHY?~jtX?VF?X?*5{X?c#W?~jtX?Y?겘|\[?=\r)]?ŏ1w-!_?ezFw`?J4a?+ٱa?Q,b?j>"Db?מYb?;Onb?מYb?j>"Db?5l/b?5l/b?5l/b?מYb? ab?3kb?1ZGUc?3fc?1%ed?/"e?EV f?g?ϛTh?i?#EdXk?CO}:n?ezFwp?]q? 3mJs?j0 Gt?gv?*5{x?C4y? {?S.}?Vc#?*oG8-x?eI)?iWV?w-!l?mnLO?E_A??x=?`Y?mJR?"u?]3f?@0G۔?I2?ض(A&?ϽK?K"Db?מYb?;Onb?מYb?מYb?5l/b?5l/b?Q,b?j>"Db?Bb?lsczb?9]c?Nz1c?nd?d?Ϡe?I +f?xĬg?oӟHi?Q,j?wJl?;fo?a)q? ar?x s?8*5{u? m9w? Wx? {z?>tA}|?\4 ?.;1ŀ?&R?o*?N@aÃ?@z{?+eX?DJ?]K=?2ZGUD?o?&pn?}"O? g?QOIҕ?*?{S?[%XΜ?Gg?/$?L F%u?1ZGU?8gDio? '?%ǝ?`YiR ?vT5A}?"* ?eF ^׿?^K=? ^x?@z{?bg ?gy?f16?4Op?T?Ps?&? k?"u?^x?q?k]h?f,N??'$1980 CET 50% Male Nonsmoker Age lastARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc~tgy^? x#_?Mb`?70`?C8 a?J4a?4 a?4 a?C8 a?`? ^)`? ^)`? ^)`?`?C8 a?J4a?P6 ra?a?j>"Db?lsczb?'@jc?@j';d?/"e?+H3f?=mg?E|'fh?-C6j?h:;l?%n?vq -p? rhq?lsczr?#t?u?eNw?( 0y?겘|\{?6Y}?TB??r_?h?I2?5)^҈?AL?Oec? W?n?NGɫ?QOIҕ? 0*? ܺ?W!'>? ?]wb֋?2bb?hn?s`?B5v? >?7?/Q5U?[?`?`?J4a?4 a?4 a?C8 a?C8 a? ^)`? ^)`?70`?r&"`?C8 a?4 a?R\U]a?"ua?/nb?Bb?9]c?3fc?MۿҤd?gse?"f?*5{h?|DL$zi?m2k?ZӼm?.s,&6o?bp?g\8r?~jts?ZӼt?G|v?VF?x?-C6z?[ |?yѩ+?X?Y4 ?@j';?f?IZև? ҌEӉ?h:;?"?ڐ?/4i?IQ,?4i?Db?[Υ?{?( ?4)^?Y8m?,ypw?a?j?ޫV&R?D/Xn?9#J?W!'>?r߉Y?:?"-R?V`V?a+e?|wJ?MbX?9#J{?;%?3.?:;%?T?Ps?&? k?"u?^x?q?k]h?f,N??Nl'!1980 CET 50% Male Smoker Age lastARobert J. Johansen, FSA (This table has been adopted by the NAIC.  ccR\U]a?מYb?U+c?3fc?@j';d?{Gzd?6ُd?6ُd?{Gzd?MPd?@j';d?׆q&d?@j';d?{Gzd?d?_Le?s.Uee?I +f?=mg?(XQih?'>i?#Gk?m?Vc#p?"uq?~jts?Ih˹Wu?)t^cw?1䠄y?B ܺ{?%~?mJR?5Y?Έ ?0*?q@H? 0*?&K?S"^F?~@??eV?"?wN#-?fIZ?o l`q?-s?[%XΜ?{ʄ?E>?ԕϢ?.4i?jt? %?[ m?Bfj?|?B=?j̱?V ?4hb?QQ?,NG?@ŊL?gs?.9ֿ?Ral!A?;S?):?EJY?Ac]K?f,N?d*g?Pkw?QfL2r?V?\4 ?Tt$?:f?%P6?#-#?K?he?pUj??T6'$1980 CET 50% Male Smoker Age nearestARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc ^)`?ƊLa?HPsb?kC8c?׆q&d?1%ed?6ُd?6ُd?{Gzd?1%ed?@j';d?׆q&d?@j';d?MPd?MۿҤd?YLl> e?8*5{e?+H3f?Ǻf?c#g? Wh?-C6j?>?ml?VCn?bp?Pyr?1%et?9]v?)sx?BBz?hn|?:̗`??}"O?@ȃ?Af?eS.?( 0?S!uq?.R\U?H?n\?al!A ?4s?'?(r?Db? q?? 8*5{?T[?@߾?L?ml?VCn?bp?y):r?s?BBu?Ǻv?Էx?BBz?{|?s~? v?/n?Ӈ.o?#-R\?kHcC? vöE?겘|\?G=D;? x#ȏ?#bJ$?:pΈ?jjZ_$?jt? 0*??Ŋ?vӂ?2rß?HzG?;i?N ^?'9?=;k]? m9?%ǭ?#?"*Y? WX?VF?X?VF?X?c#W?(XQiX?a+eY?t^cZ?K8\? <^?p>?`?P6 ra?5l/b? ab?3kb?9]c?9]c?3kb?HPsb?vꭁb? ab?Bb?vꭁb?lsczb?9]c?kC8c?3fc?{Gzd?/"e?N ^e?^/ f? 0*h?|DL$zi?#Gk?m?Vc#p?nq?eI)r?Ƣdpt?_vOv?9w?y?yCn{?V-}?N`?X5;N?Րǂ?Ƣdp?q@H?VF??&K?>?m?u?#?j̑?/ ҌE?X?Y?=aM?\ʛ?,g?7̒?H.?jv?sh|??dp:?A}˜.?ٔ+E?&jjZ?}W[?^)?wg ?:f?|~?$]3f?oB!?|~?P1?Mb?f?\4?yCn? 7?a4?L7A`?ԲH?oG8-x?g\8?G`?B 3m?Y?"?b('U??s='$1980 CET 60% Male Nonsmoker Age lastARobert J. Johansen, FSA (This table has been adopted by the NAIC.  ccVCK_?Mb`?r&"`?~oӟHa?"ua?+ٱa?+ٱa?"ua?P6 ra?~oӟHa?4 a?C8 a?C8 a?4 a?J4a?R\U]a?"ua?ƊLa?;Onb?3kb?Nz1c?1%ed?_Le?9]f?9̗g? Wh? .V`j?[[%Xl?~tgyn?G8-xWp?"uq?eI)r?1%et?fu?,+MJAw?y?_Q{?aod~?\*?5l/?£#?gs?bg ?(D!T?}\*?7ܘ?GȐ?B?#?, PS˖?Ah:;?k՛?.=?S㥛Ġ?m2d?'1Z?QI? )??sҫ?:M ? vöE?7l[ ??V/'? ui?[Υ?"ƾ??<,?[%X?Q?qZ ?&p?.4?vq -?lu?M?~jt?}?S:?4Op?k, P?b֋h?X??SI''1980 CET 60% Male Nonsmoker Age nearestARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc~tgy^?Vc#`?70`?4 a?na?+ٱa?a?"ua?na?R\U]a?J4a?C8 a?C8 a?C8 a?J4a?~oӟHa?na?a?5l/b?vꭁb?UN@c?Pc?ZӼd? K"Dr?a2U0*s?wN#-u?"v?.x?9vz?ZӼ}?X9v?R\U]?d?j0 GĄ?؞Y?Է鲘?1BxqĊ? X4?"?ۧ1?H0[w?gyܝ??_{fI? X4?m?&6׆?/ ҌE?(y?k+ݓ?CVzN?E|'f?b?&kC4?#?_vO?0*D?*?o/iQ?:#J{/?(?ףp= ?VF?d?$([?0{?oŏ1?L7A`?ԲH?oG8-x?g\8?G`?B 3m?Y?"?b('U??֎'!1980 CET 60% Male Smoker Age lastARobert J. Johansen, FSA (This table has been adopted by the NAIC.  ccƊLa?9]c?x c?Hh˹d?+~7e?fʉve?Ϡe?ُae?_Le?/"e?ZӼd?d?d?h㈵d?_Le? K?p?Q,r?x s?N ^u?Gŧx?-C6z?{|?m?ڀ?g??{七?ُa?(,)?}ƅ!?$]3f?.R\U?|a2U?apɑ?/ ҌE?Δ?V_?=!7 ?|гY?O#-#?z6?ep:Ǡ? cZ?3?Eb?M֨ht? Y9?A`"?2ZGUD?X9v?X5;N?Y?Hh˹?G?)D/?/4i?ۅ:?ܺ:? v?ʾ+?{ʄ?x( x?V/?h㈵?='o|?=?CK? S"?S:?4Op?k, P?b֋h?X??! '$1980 CET 60% Male Smoker Age nearestARobert J. Johansen, FSA (This table has been adopted by the NAIC.  ccR\U]a? ab?a2U0*c?1%ed?YLl> e?ُae?Ϡe?fʉve?_Le?+~7e?h㈵d?d?d?d?/"e?Ϡe?_vOf?mf?=mg?(XQih?a+ei?t^cj?=\r)m?mo?3ySq?eI)r?h㈵t?Ǻv?oӟHy?겘|\{?gy}?vq -?R%?eI)?/r]?-=?^c?R 1?wb֋?VCK?C8 ?:pΈ?'Nw( ?_?HQ,?R~R?$~?S.Q?Ǻ?]wb֋?0?L~ޤ?#-#?ϛT? y)??ޫV&?~:p?;Tގ?+5{? ϳ?O|?A+0du?5vꭹ?\m?|ͽ?]Fx ? Q?%ǝ?G`?ؙB5?Pf???CO}:?_-?<)t^?m~?/n?d?G`?B 3m?Y?"?b('U??D'1980 CET 75% Male Age lastARobert J. Johansen, FSA ,This table has not been adopted by the NAIC.  cc _5!j?[[%X\?@_[?겘|\[?t^cZ?-C6Z?'>Y?E|'fX?(XQiX?*5{X?VF?X?oӟHY??ŊZ?"\?!J^?70`?]a?vꭁb?1ZGUc?3fc?nd?nd?x c?3fc?Nz1c?1ZGUc?U+c?U+c?UN@c?'@jc?"c?nd?6ُd?_Le?EV f?Ǻf?*5{h?a+ei?F%uk?)hm?qo?R\U]q?7r?]`7l[t?fu?9w?}"Oy?S{?%}?2U0*?4c?s?6ُ?QfL2r?kC4?}гY?bg ?o?St$?a_Yi?+?{?sƗ?| ?ʦ?j?*?㥛 ?MP? .V`?"? h"lx?e-?q&"?.4ױ? $ ? ?Y?`?x@e?E? \?DQOI??_YiR ?zCn?;D?i?s?k??1ZGU?Hm?6~?K7?HPs?|?5^?Cl?7??z6'1980 CET 75% Male Age nearestARobert J. Johansen, FSA ,This table has not been adopted by the NAIC.  cc 6ُt?wJ\?@_[?yCn[?m2[? .V`Z?Y?oӟHY?(XQiX?VF?X?c#W?~jtX?Y?겘|\[?d]?Xj`?R\U]a?מYb?9]c?a2U0*c?nd?nd?x c?Pc?a2U0*c?'@jc?U+c?U+c?U+c?1ZGUc?Nz1c?Pc?MPd?ZӼd?gse?QfL2rf?vӂg?E|'fh?_5!j?lxz,Cl?Ws`n?PNp?g\8r?D s?/"u?I2v?Էx?9vz?wb֋|??W[~?{?Q,??ea?=U?cغ?vۅ:?qm?Fx?V 3?0*? ?x@?9dw?q? ar?1=at?8*5{u?kHcCw?( 0y?5A}R{?gy}?mJR?Q??f?GĔH?k`É?)\(?4)ݎ?M?vꭁ?ۅ:?H.!?1䠄?J8?Xs`?eS.?L$zŢ?pq?,eX?0|DL?\4?rh|?gDio?m?KTo l?܀#?n?Sr3?OjM?C8 ?7A`?~T?l/?C8 ?QCR?g??KuT?V̯?)"*?*?m?s?oʡ?Zd;?_vO??q'!1980 CET 75% Male Smoker Age lastARobert J. Johansen, FSA ,This table has not been adopted by the NAIC.  ccdc?MPd?_Le?EV f?I +f?^/ f?^/ f?mf?QfL2rf?+H3f?s.Uee?gse?8*5{e?gse?EV f?QfL2rf?0ACg?g?cbqmh?i?F%uk?=\r)m?;fo?E>q?HPsr?Hh˹t?"v? Wx?#G{?6Y}?B=?n\?&?j0 GĄ?I +?~n?9v?ZӼ?U؏?vݰm?Op?M O?g?5ctv2?WCK?lxz,C?"?T?eV?1ZGU??c]Kȧ?J5o?1PN?G ^/ح?H}?Nz?}͍ ?Dioɴ?,`?kCŸ?3h?0AC?ȓk&?70?3bb?]T?E?) 0?bbqm?U[rP?@j';?yX5;?`ME*?up>?-xWf?N ^?Q?pwn?K7?HPs?|?5^?Cl?7??^m'$1980 CET 75% Male Smoker Age nearestARobert J. Johansen, FSA ,This table has not been adopted by the NAIC.  ccj>"Db?"c?ZӼd?gse?9]f?"f?Ǻf?"f?I +f?9]f?N ^e?gse?8*5{e?8*5{e?s.Uee?+H3f?"f?+eXg? 0*h?ض(A&i?&Kj?1߄Bl?aodn?>p?zަ?q?s? K"D?Q|a?L;?m?s?oʡ?Zd;?_vO??'1980 CET 80% Male Age lastARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc g uj?y&1\?_Q[?yCn[?t^cZ?-C6Z?'>Y? WX?(XQiX?VF?X?VF?X?Ah:;Y?Q,Z?K8\?VCK_?r&"`?Q,b?dc?a2U0*c?׆q&d?1%ed?1%ed?@j';d?nd?3fc?Nz1c?'@jc?1ZGUc?'@jc?Nz1c?3fc?@j';d?d?fʉve?+H3f?eS.g?ϛTh?N ^i?겘|\k?uim?Vc#p?nq?ds?6ُt?-=v?*5{x?y?1߄B|?XO0~?hUM?n\?U+?L~ބ?ek}І?R~R?$7? X4?Xj?To l`?n4Ғ?4s?ʡE?tF_?%ǝ?N`?C6?~R?U+?x@٤?Þvk?E 2ɨ?m2?ё\C?1%?U[rP?Uj@+0?Gx $(?5ctv2?/Q5U?3?H.?aۢ?PC?x?W&R?o?5Fj?z6?b?dp:?0?C6?Q|?g,N?ec]?=aM?N?yS c?[='o?Cl??|'1980 CET 80% Male Age nearestARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc ZӼt?nS]?_Q[?@_[?m2[??ŊZ?Y?Ah:;Y?~jtX?VF?X?*5{X?~jtX?Y?@_[? ]?hUM`?na?vꭁb?'@jc?x c?1%ed?{Gzd?MPd?׆q&d?x c?a2U0*c?kC8c?1ZGUc?1ZGUc?kC8c?a2U0*c?nd?{Gzd?/"e? K"Db?lsczb?1ZGUc?Pc?Hh˹d?8*5{e?"f?c#g?}:3Pi?Q,j?̯l? tA}|? ?X5;N?d?L~ބ?I2?J +?$]3f?X?ҩ+y?L1%?Pf?ʡE?_)Ǻ?1Zd?;D?7d?}"O?jjZ_$? [?E|'f?}Y?;?=~oӟ?a۲?>'I״?Q?Z?@+0du?K?VC?B 3m?9̗?Q|?g,N?ec]?=aM?N?yS c?[='o?Cl??''1980 CET 80% Male Nonsmoker Age nearestARobert J. Johansen, FSA (This table has been adopted by the NAIC.  ccq_?`?a?5l/b? ab?HPsb?HPsb? ab?;Onb?5l/b?ƊLa?+ٱa?"ua?P6 ra?"ua?"ua?]a?Q,b?;Onb?9]c?Nz1c?MPd?/"e?+H3f?+eXg?~jth?[| j?@_k?<,Ԛm? p?R\U]q?vꭁr?#t? Kx ?r]?E>?3h?pq?^?|~?"~?6;Nё?sˮ?)D/??5^I ?+ڧ?gs?XVn?A}˜.??s.Ue߽? B ?6o1?;)t?6?`vOj?]o%?e1?ec]? 7?;i?Ԃ}i?*oG8-x?A}R?? X4?!rh?=aM?N?yS c?[='o?Cl??'$1980 CET 80% Male Smoker Age nearestARobert J. Johansen, FSA (This table has been adopted by the NAIC.  ccBb?nd?_Le?_vOf?^/ f?kHcCg?+eXg?kHcCg?0ACg?"f?q@Hf?N ^e?s.Uee?s.Uee?EV f?QfL2rf?0ACg?9̗g?(XQih?a+ei?9vj?>?ml?!Jn?70p?j>"Dr?x s?EV v?9 x?g uz?!u|?;f?;S.?PC?@j';?J8?IZև?='o|?!>M?9z?St$?镒?bI?EV ?խޗ?|\*ƙ?#0ܛ?׻??ҩ+y?T[?"?'o|홥?܀#?'XQ?O],σ? >?N`?}:3P?^FҲ? ϛ?tm?>?4F먺?/iQռ?:f?3h?R~R?H3Mg'?Mg'?mQfL?UMu? -? ? KI?~jtH?c#G?kHcCG?ǺF?ǺF?9̗G?Ah:;I?m2K?H}M?*g\8P?R\U]Q?מYR?U+S?a2U0*S?׆q&T?MPT?MۿҤT?T?h㈵T?/"U?_LU? K"Db?Pc?gse?xĬg?N ^i?%]3fk?dm? x#o?C8 q?y):r?D s?h㈵t?I +v?VF?x?-C6z?[[%X|?7ܘ~??ܵ|?n\?n4҂?3K?o/iQ?ͪՆ?cbqm?)'$?G=D;?~:?5;Nё?nSr?h?~nؖ?~T˜??>?.!u?Q|a?wۅ:?ke/?`?0|D?T:X0?J4?Op?ͯ?܀#?y):? X4?\4?'?cՐ?S"?&†?m?ܝ.??,?zNz?U 7?߉Y/?LuT5?䃞ͪ??['1980 CSO 20% Male Age nearestARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc  o_i?%N?_QK?t^cJ??ŊJ?I? WH?VF?H?kHcCG?ǺF?ǺF?ǺF?VF?H?-C6J?3.L?ŏ1w-!O?r&"P?]Q?HPsR?kC8S?x S?MPT?{GzT?T?h㈵T?/"U?_LU?fʉvU?_vOV?#-#V?kHcCW?*5{X? WX?Y?m2[?"\?_vO^?hUM`?"ua?dc?d?mf?E|'fh?9vj?{l?Qn?ezFwp?"uq?sr?@j';t?UwEu?+eXw?( 0y?]K={?YBs}? x#?6ُ?g??LOXe?MۿҤ?jt?&†?}"O?O#-#??W[?iQ?Ut?P?J4Q?]Q?BR?HPsR?HPsR?dS?U+S?1ZGUS?1ZGUS?kC8S?3fS?MPT?MۿҤT?_LU? KY?m2[?wJ\?ŏ1w-!_?70`?Q,b?Nz1c?/"e?#-#f? 0*h?i?@_k?uim?uo?6ُq?;Onr?Ps?fu?=mw?҇.oy?yCn{?ui}?q?o_?m2d?£#?b?9̇?$([?W!'>?Uj@+?;%Α?"O|?sh|??ܝ.4???%#gaO;?o?3ı.n?3fӣ?Tt?eX?9]?ۅ:?#-#?HP?6?W?X?/4i? .V?fj+? 0B?S%њ?>?3h蟠?㥛 ?8̒?(r?R 1?wg ?מY?CԷ̱?k)Ƴ?X4 ?~7?{k`?Þvk?X?sA?t)*?C9Ѯ??x?R,? ?*g\8?.R\U?,`?f?QfL2r?qt??':'!1980 CSO 20% Male Smoker Age lastARobert J. Johansen, FSA (This table has been adopted by the NAIC.  ccמYR?3fS?h㈵T? Kp?ƊLq?~jts?ڧ1u?؞Yv?tF_x?xWf,z?3.|?`Y~?G8-xW?+ٱ?0? ?9]?Gŧ?`7l[?cz(?%7ی?s׎?xZ?vöE ?k)Ɠ?Z? %?ݵ|г?\m?ui?wJ?ĬC9?}iƢ?Mg'?ek}Ц?}8gD?VI??߾?PpӰ?mnLOX?!%̴?mҵ?qm?_ME?ZK?9(a?gDio?@j'?x@?j?Pkw?E?>:u?%?ӂ}?zNz?U 7?߉Y/?LuT5?䃞ͪ??Ϊ2'$1980 CSO 20% Male Smoker Age nearestARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc+ٱQ?U+S?{GzT?fʉvU?q@HV?"V?kHcCW?=mW?9̗W?c#W?*5{X?(XQiX? WX?Ah:;Y?-C6Z?m2[?3.\?H}]?O;5Y^?*g\8`?C8 a?j>"Db?x c?gse?g?_5!j?Ql?;fo?E>q?vꭁr?@j';t?u?vӂw?Ah:;y?{?W!'>}?iUMu?X?;On?QN?Ϡ?ܝ.4?Z ͈?$([?}\*?|?9(a?E>?]Pߒ?M O?lV}?=U?W 3?G?Ϟ?*P?ƊL?죣?#GG?RQ?^2ᗪ?([Z?3.?6?Bi?g?LI? WH?c#G?kHcCG?kHcCG?ǺF?9̗G?'>I?yCnK?~tgyN?70P?]Q?HPsR?a2U0*S?{GzT?T?h㈵T?_LU?fʉvU?8*5{U?8*5{U? K?n?Vc#p?~oӟHq?Br?j+s?_Lu?I2v?Էx?Q,z?!u|?~@?ڀ?ʉv? 3mJ?6ُ?N ^?Zd;O?҇.o?B ܺ?;)t?( ?4)^?Pf?0r.ŕ?Zd;O? r߉?כ?7ܘ?SW>?"-?{?+ٱ?9#?l> ?=~oӯ???}Y?q= ףp?Uط?Y4 ?g?RD?M»\?q>??ZGUD?:u?~?a4?r3܀??m1'1980 CSO 25% Male Age nearestARobert J. Johansen, FSA ,This table has not been adopted by the NAIC.  cc &Kj?~tgyN?3.L?m2K?t^cJ?I? WH?~jtH?kHcCG?kHcCG?ǺF?ǺF?~jtH??ŊJ?K8L?XjP?R\U]Q?BR?1ZGUS?׆q&T?T?T?_LU?_LU?8*5{U?8*5{U? K?`?a?1ZGUc?h㈵d?0ACg?HPh?ALj?wJl?ŏ1w-!o?70p?]q?U+s?6ُt?fv?w?N ^y?#EdX{?y~?B=?*oG8-x?PLۿ?P?Lq? ar?#t?u?,+MJAw?k`y?VI{?CO}:~?TB?P6 r?Րǂ? .V?bJ$(?tF_?l[?S.?ek}?g??m?wg ͕?oG8-xї?_9?wJ?T㥛 ?ʉv?:M?7?}W[?O#-#?ŏ1w-!?14?W/'?wN#-? ܺ?X?|гY? c AJ?|y?s?$ ?N@a?Yni5$?ٔ+E?I2?:3P?t ^?/>:u?~?a4?r3܀??jP''1980 CSO 25% Male Nonsmoker Age nearestARobert J. Johansen, FSA ,This table has not been adopted by the NAIC.  cciUMuO?70P?nQ?5l/R?HPsR?kC8S?1ZGUS?kC8S?kC8S?3fS?a2U0*S?3fS?x S?MPT?T?/"U?8*5{U?q@HV?"V?c#W? WX??ŊZ?3.\?_vO^?*g\8`?P6 ra?3kb?1%ed?EV f?=mg?ض(A&i?ALj?K8l?ŏ1w-!o?ǘp?VFq? 3mJs?<.9t?Aǘv?Էx?<,z?bg }?j?SgЀ?ʉv?kC8?wN#-?(,)??>?m??/oe?]3f?@0G۔?D? )??pnꐛ?X9v?镲 ?H3Mg'?,g~?иp $ ? {㽪?%䃞?=;k]?Q,?N ^? [?e1?׻?޻?鷯?e-?J^c@?"??]C?eS.?d?K7A?6? Oe? W?镲 q?Y?[| Z?F%u[?3.\?=\r)]?~tgy^?q_?r&"`?ƊLa?'@jc?/"e?g?}:3Pi?_Qk?Qn?Tp?y):r?@s?ُau?{w?5)^x?Q,z?̯|?:f?70?Q,?a2U0*?1ZG?|,}?=U?$([??߾?gy܍?q?J4?+?0_^}?QfL2r?kC4?̗`?G?\ʞ?7?L<ա?'@j?u7O?vӂ?`:u?~?a4?r3܀??['$1980 CSO 25% Male Smoker Age nearestARobert J. Johansen, FSA ,This table has not been adopted by the NAIC.  ccמYR?x S?_LU?q@HV?kHcCW?W?VF?X?(XQiX?(XQiX?E|'fX?E|'fX?oӟHY?a+eY?Y??ŊZ?@_[?y&1\?6Y]?ŏ1w-!_?ezFw`?R\U]a? ab?@j';d?EV f? 0*h?g uj?nSm?Xjp?ek}q?ds?iWVt?+H3v?c#w?y?@_{?gy}?2U0*?R\U]?"^F܂?Ku?_vO?IZև? r߉?m2?Q?:pΈҎ?aTR'?ڧ?2d?hn?˹W}?RDU?@_? %̴?*3h?4 ?PN?:M? [? '?U??#?_2? q?1ZG?kC8?q?+?s?&pn?Tt$?M(? )??6>W[?_?#EdX??{fIZ?6? Oe? W?镲 q??`?a?UN@c?ZӼd?"f?E|'fh?t^cj?Ql?.s,&6o? ^)p?zަ?q?1ZGUs?j0 Gt?9]v?*5{x? F%uz?3.|?Ws`~?ǘ?|y?ݓZ? ?JY8?IZև?(D!T?\ʋ?`Y? v?DQOI?j ?Mg'?($ɗ?k`Ù?#?~tgy? Tƿϸ?}?@M-[다?(IL٦?^??߾?TW>?a4?ަ??n/i?WV?A4F?AL?5?*?ަ??c=yX?o%;6?Uj@+0?M?}"O?іs)*?v?j';?|гY?jWV?37?䃞ͪ??9L'1980 CSO 40% Male Age nearest~ARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc VIk?ŏ1w-!O?=\r)M?3.L?yCnK??ŊJ?'>I? WH?9̗G?kHcCG?ǺF?kHcCG?Ah:;I?yCnK?!JN?J4Q?HPsR?MPT?fʉvU?q@HV?"V?W?kHcCW?kHcCW?kHcCW?ǺV?W?kHcCW?9̗W?c#W?~jtX?a+eY?-C6Z?m2[?y&1\? ]?q_?4 a?;Onb?nd? K?<Κ?H.!?U؟?]wb֋?H0[w???CV? vy?҇.?[K?H0[w?hn?9d?48EG?vN#?tgy?k`?od?r.U?kHcC?P?)[Z ?i5$?V_?K?ml?Ws`n?-lp?n\q?9]s?MۿҤt?G|v?|~x?Q,z?ZӼ}? ?Q?;On?QN?.Q5?,+MJA?_5!?hn?Xj?W2đ?fk}Ж?@z{?^c@z?J5o?ec]?S:X?d?H0[w?Ӽɥ?Fw;S?F%u?hHK?ҩ+y?g %?x&1?뭁,?3h蟸?N@a?IOc??2%?HP?tY?F%u[?K8\?O;5Y^?p>?`?+ٱa?U+c?Hh˹d?q@Hf?IZg?N ^i?S!uqk?)hm?mo?St$p?מYr?3fs?/$u?)Wxw?1䠄y?yt{?;D~?-l?eX?&?j0 GĄ?#-#?5)^҈?S!uq?XL~?*? m9⪒?/r]?4ct?E a?)'$?gyܝ?Tƿϸp?Q|a?g?Y?B?"Jv?j?DJ?4 ?4k?ɫs ^?Ù_?+0du?GUD?V-?H0[w?Zd;O?YB?P?)[Z ?i5$?V_?K:u?Tt$?0{?=?Tg?Kvlu?eS.?cE a?HV?hUM?S!uq?-i&?j';?|гY?jWV?37?䃞ͪ??'$1980 CSO 40% Male Smoker Age nearestARobert J. Johansen, FSA (This table has been adopted by the NAIC.  ccx S?_vOV?W? WX?[| Z?Q,Z?F%u[?F%u[?F%u[?F%u[?t^cZ?t^cZ?m2[?겘|\[?1߄B\?wJ\?%^?VCK_?hUM`?~oӟHa?5l/b?kC8c?+~7e?g?Ah:;i?@_k?Ws`n?Tp?j>"Dr?j+s?8*5{u?+eXw?Ah:;y?m2{?nS}?m?4 ?3mJ?f16?f?$ۇ? ҌEӉ?\ʋ?ui?2rÏ?o%;6?Q?2Yؓ?gs?? F%u?FjH?K?T[r?Dl?37?#?û\wb?V`?l[?Y?Ac]K?k`ñ?kF=D?faִ?}"O?Pn?lV}?+~7?]Fx ?,g~??HGŧ?{Pk?Q?T[?*5{?Q?L F%u?KI?~jtH?c#G?9̗G?kHcCG?~jtH?t^cJ?%N?r&"P?HPsR?MۿҤT?_vOV?W?c#W?VF?X?(XQiX?~jtX?(XQiX?VF?X?*5{X?*5{X?*5{X?(XQiX? WX?'>Y? .V`Z?겘|\[?"\? ]? x#_?`?5l/b?"c?ُae?kHcCg?}:3Pi?S!uqk?dm?qo?E>q?Br?j+s?ُau?0ACw?5)^x?t^cz?=\r)}?m?E>?PLۿ?Nz1?{?+eX?$EdX?ϛT?Oec? ?"u?+pW?Q|a2?MSt$?F(?#G?=~oӟ?.&?eX?UB?4KԲ??Жs)?!Yn?e`TR'??1ZGU?L1?eN?5o?镲 q?b֋h?'UHI?J^c@?0{?yS?a? a??Vc?ڧ1?ȓk&?RQ?\*?CO}:?ŬC9??7'1980 CSO 50% Male Age nearestxARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc wJl? x#O?6YM?=\r)M?_QK?m2K?I?Ah:;I?c#G?9̗G?kHcCG?9̗G?'>I?"L? x#O?/nR?3fS?fʉvU?"V?9̗W?VF?X?(XQiX?~jtX?(XQiX?(XQiX?*5{X?*5{X?c#W?VF?X?E|'fX?Ah:;Y?Y?t^cZ?_Q[?nS]?!J^?Mb`?na?3kb?6ُd?q@Hf?ϛTh? .V`j?{l?Qn?7T7p?]q?U+s?iWVt?bJ$(v?^2w? o_y?VI{?aod~?7?|y?~jt?0[w?쁆?F ^/?CR?)\(?O;5Y?GȐ?s?uT5A?bJ$(? '?R 1?x@e?VC?r&"?jWV?0*?ݦ?^??߾?TW>?N?BO}??x=?JY8?|~?9]?X?f-?|\*?Uy?ݵ|г?@߾?S"?P1?nQfL2? y?k)?7?XO0?p:ǀ?(yu??d'$1980 CSO 50% Male Nonsmoker Age lastyARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc5l/R?kC8S?{GzT?/"U? K u?Ǻv?aۢy?5A}R{?6Y}?B=?"u?9]?Hh˹?#-#?~Tˆ?[rPL?;D?GȐ?镒?UMu?sM?)D/??6Yѝ??ܵ|?j>"D?.4i?ek}Ц?[ m?\4?}"?6[ ?vӲ?M»?I2?^?O#-#? D )?öE 2?"-?0??ްmQf? a??Vc?ڧ1?ȓk&?RQ?\*?CO}:?ŬC9??8oen''1980 CSO 50% Male Nonsmoker Age nearestzARobert J. Johansen, FSA (This table has been adopted by the NAIC.  ccnQ?dS?׆q&T?T?8*5{U?_vOV?N ^U?N ^U? K"Db?'@jc?h㈵d?"f?5)^h?k?<,Ԛm?-lp?zަ?q?խs?Ih˹Wu?eS.w?$EdXy?{? QI}?U+~?#bJ$? a?@j';?f?иp $ ?m?J8?:X0_?&J?*oG8-x?7̒? X?bJ$(?VF??c&?#0?Gg?M?߾3?jM?/ ?ܺ:?HP?a?N ?pWs?s?S!uq?0AC?-臨?Z {,}?"D?l> ?1=a?L1?㥛 ?[?ml?:̗`o?J4q?7r?Ƣdpt?q@Hv?9 x?mz?3.|?&pn~?ezFw?n/iց?r_?h? ףp= ?= ?cz(? QI?iUMu?ڐ?+5{?V ?je/?(,)?_xZ?1 {?)"*?V?R%?]Pߢ?ׁsF?8gDio?4@?1|DL$?G?z{?LuT5?lV}?%#gaO;?.oӵ?ǀ?ę_?hyܝ?MJA4?Kh?|гY?1=a?9EGr?]P2?.!u?SW?,)W??Ŋ?Ciq?k)?7?XO0?p:ǀ?(yu??'1980 CSO 60% Male Age lastqARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc 9]c?iUMuO?%N?=\r)M?3.L?m2K?I?~jtH?c#G?9̗G?9̗G?Ah:;I?yCnK?ŏ1w-!O?nQ?a2U0*S?8*5{U?kHcCW?(XQiX?Ah:;Y?Y?Y?Y?'>Y?Ah:;Y?oӟHY? WX? WX?oӟHY?'>Y?-C6Z?F%u[?1߄B\?nS]?!J^?*g\8`?R\U]a?vꭁb?׆q&d?s.Uee?g?i?1߄Bl?_vOn?G8-xWp?n\q?ds?Ƣdpt?fu?,+MJAw?y?B ܺ{?%~?-l?VF?=~o?YLl> ?fIZ?)s? .V`?"?9z?M?镒?i&k?V_?~n?BB?K8՜?K=U?|~?;i?˾+?eI)?p1=a??߾?s?A4F?Py?M(?`< ??,?̗`?#EdX?8ߡ(?'IL?b֋h?x&?/?Z_$?p%;6?=\r)?+ڧ?mnL?# ?n?*g\8P?~tgyN?H}M?K8L?yCnK??ŊJ?Ah:;I?c#G?c#G?kHcCG?VF?H?-C6J?=\r)M?p>?P?vꭁR?T?#-#V?*5{X? WX?'>Y?Y?Y?'>Y?a+eY?oӟHY? WX?E|'fX?oӟHY?Ah:;Y?Y?Q,Z?겘|\[?y&1\? ]?;f_?70`?/nb?1ZGUc?h㈵d?"f?5)^h?ALj?=\r)m?iUMuo?St$p?}"Or?s?wN#-u?^/ v?.x?9vz?!u|?iUMu?#bJ$?PC?@j';?s.Ue߅?Zd;O?9(a_?a?d?Uj@+?eX?H0[w?ُa?)t^c?V}b?@_?y?G8-xW?Biޡ??UwE?J?Q,?%1 {?#0?',񀲱?N?j';?ڏa?9(a_?x ?:T޾?j?IFž?M~T?: ?7XO?`Y?t^cZ?"\?_vO^?*g\8`?P6 ra?lsczb?@j';d? Ky?}\*{?7ܘ~?{?&R?o*?"?g?RD?+ٱ? ҌEӉ?鲘|?r]?n燑?k g?E/Xni?+ٱ?Hh˙?͍ K?q]P?6XO?Oc*?Af?4@?&S?!Yn?37?rtϱ? q?%1 {?\r)?]ʾ+?ڊe?j??:KT? ?I?0?p%;6?=\r)?+ڧ?mnL?# e?#-#f?VF?h?_5!j?h:;l?CO}:n?hUMp?nq?3kr?{Gzt?9]v?(XQix?Q,z?W!'>}?q?vݰm?3k?0*?,ypw?Է鲘? ^/ ?S.?7T7?6q?t{Ic?,ypw? -?$~?u?a?ߦ?"?@j';?ZBs?gaO;5?ı.n?eS?3}ƅ? m9⪲?~?Ǻ?̯?Nz1?vۅ?鲘?P1߄?ׁsF??qt?`?`?~oӟHa?j>"Db?UN@c?MۿҤd?QfL2rf?(XQih?9vj?=\r)m?Vc#p?n\q? 3mJs?YLl> u?|,}v? Wx?z?=\r)}?r]?o_?:pΈ?׆q&?jt?Mb?-C6?"?:pΈҎ?xZ?R~Rӑ?0?\?n/i?cbqm?? ?"uq ?d?lV}?ƿϸp ?IK?d,i?Fx?\wb֫?CVz?E_A?m4?82? N??W[?t)*?*?%7ۼ? 1Z?.Ue??=!7 ?(yu?~@?ZӼ?FB[Υ?^zk`?%䃞?cbqm?q89@?#-#?|S:?n4@?sF?? '1980 CSO 75% Male Age lastARobert J. Johansen, FSA ,This table has not been adopted by the NAIC.  cc x c?XjP?!JN?%N?=\r)M?_QK??ŊJ? WH?VF?H?9̗G?c#G?'>I?"L?*g\8P?BR?/"U?=mW?oӟHY? .V`Z?겘|\[?_Q[?_Q[?@_[?겘|\[?t^cZ? .V`Z?[| Z?[| Z?-C6Z??ŊZ?m2[?_Q[?K8\?_vO^? x#_? ^)`?ƊLa?UN@c?d?#-#f?~jth?Q,j?Ql?VCKo?&pnp?}"Or?"s?BBu?I2v?E|'fx?W 3z?bg }?;f?6qrC?"^F܂?6ُ?JiW?F ^/?b('?"-R?Q?70?DQOI?ۿҤ?EV ? 0*?F_Ah?̯?~@?̯?PN?M»\?QfL2r?5)^Ҩ?$zr?.lIF?3h蟰?BC+?@ȳ?솵?Yw?' ?3܀#?eI)?2w-!?m?5??x? $(~?'o|?St$?'IL?B?@H0?he?:#J{/?Q?g??oG8-x??p'1980 CSO 75% Male Age nearestARobert J. Johansen, FSA ,This table has not been adopted by the NAIC.  cc ;fo?70P?!JN?~tgyN?6YM?3.L?m2K?'>I?VF?H?c#G?kHcCG?~jtH?t^cJ?%N?R\U]Q?3fS?QfL2rV?(XQiX?Y?F%u[?_Q[?_Q[?@_[?yCn[?F%u[??ŊZ?[| Z?[| Z?[| Z? .V`Z?t^cZ?yCn[?[[%X\?H}]?ŏ1w-!_?hUM`?R\U]a? ab?x c?gse?vӂg?N ^i?#EdXk?q>?n?TBp?"uq?ds?{Gzt?EV v?9w?}"Oy?_Q{?;D~?>? / ??Kq?kHcC?}ƅ!?m2?YBs?N`?P6 r?&?X?Hh˹? vöE?pnꐛ?s?_{fI?v?'@j?#EdX?9̗?&1?%7۬? ǯ? rh?$~?i>"?됛|?|G?zG?I2?9?ap?k&l?}ƅ!?Hm?#~j?h?>W[?Op?ԕ?Biq?#? pU?Qy?5^I ??'$1980 CSO 75% Male Nonsmoker Age lastARobert J. Johansen, FSA ,This table has not been adopted by the NAIC.  cc׆q&T?N ^U?W?c#W?~jtX? WX?E|'fX?(XQiX?c#W?9̗W?W?#-#V?QfL2rV?#-#V?#-#V?ǺV?=mW?*5{X? WX?[| Z?겘|\[?wJ\? <^?p>?`?+ٱa?9]c?{Gzd?EV f?g?'>i?yCnk?dm? p?E>q?&Sr?Nz1t?fu?иp $ x?JiWVz?Q|?X9v?4c?d? ?m?+e?a?;D? ^)ː?/4i?'"?ek}Ж?$EdX?pnꐛ??'IL?ŧϠ? a?iq?,`?'>?ǵb?:̗`?Ral!A?_^}t??ܵ?t{Ic?SW>?ׁ?{fIZ?0{?$([?S\U]?JY8?&䃞ͪ?_?/$?'IL?B?@H0?he?:#J{/?Q?g??oG8-x??[ {''1980 CSO 75% Male Nonsmoker Age nearestARobert J. Johansen, FSA ,This table has not been adopted by the NAIC.  cc1ZGUS?/"U?"V?9̗W?(XQiX? WX?E|'fX?~jtX?*5{X?W?kHcCW?"V?QfL2rV?#-#V?#-#V?"V?kHcCW?W?(XQiX?'>Y?Q,Z?3.\? ]?q_?4 a?מYb?3fc?+~7e?Ǻf?~jth??Ŋj?{l?!Jn?7T7p?VFq?r_s?ڧ1u?|,}v?$EdXy?pn{?_vO~?\*?5l/?3fӃ??dw?[| ?M»?U؏?:?AL?gs?=?&K?!u? TƟ?P>¡? v?4KԲ?E*-9?D?2 {?dz?"?Ynͳ?H?+η?-C6?ԕ?qUwE?2=a?YB?ho?ŬC9?=?E )??>W[?Op?ԕ?Biq?#? pU?Qy?5^I ??&'!1980 CSO 75% Male Smoker Age lastARobert J. Johansen, FSA ,This table has not been adopted by the NAIC.  ccY?[[%X\?_vO^? x#_?Mb`?70`?70`?p>?`?hUM`?Xj`?iUMu_?ŏ1w-!_? <^?ŏ1w-!_? x#_?hUM`?r&"`?"ua?Bb?Nz1c?d?QfL2rf?ϛTh??Ŋj?wJl?uo?nq?U+s?h㈵t?Ǻv?HPx?cz({?YBs}?q?3yS?7̂?{Gz?9]?|~?<Ί?2ZGUD?=~oӏ?]].;?%ǝ?HcC?.Q?bg ?|\*ƙ?K46?VC?*Dؠ?z3K?HIOǣ?u7O?D?ʨ?N?B!J?&ǝ?Fx? ^/ ?0?u&N?gj+?/ǵ?y?.Q?Pf?!<8b?'†W??x=?d?O0A?L~?-&6׆?WxN?HȰ7?P}:3?/ Ҍ?he?:#J{/?Q?g??oG8-x??c'$1980 CSO 75% Male Smoker Age nearestARobert J. Johansen, FSA ,This table has not been adopted by the NAIC.  ccVF?X?m2[?H}]?ŏ1w-!_?*g\8`?7T7`? ^)`?7T7`?Mb`?*g\8`?;f_?ŏ1w-!_? <^? <^?iUMu_?Xj`?7T7`?J4a?/nb?dc?׆q&d?Ϡe?+eXg?a+ei?@_k?_vOn?Tp?}"Or?nt?'u?gj+w?[| z?!>M|?O;5Y~?7T7?/n?Ӈ.o?#-R\?)t^c?tמ?W}W? S"?;Tގ?Q?QCR?L~ޔ?ea? -?AL?lu?=$?7ُ?+j0 ?0|DL?_vO?IZ֧?Hh˩?y# ?{? '?48EG?9}?g?RD?b(?Eظ? m9⪺?wW?Ǻ?zpwn?Qi>"?u?YLl> ? 8?67'?UwE??Ih˹W?&jjZ?ܺ:?Biq?#? pU?Qy?5^I ??6'1980 CSO 80% Male Age lastkARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc MPd?MbP?ŏ1w-!O?~tgyN?=\r)M?_QK??ŊJ?Ah:;I?VF?H?c#G?c#G?I?K8L?p>?P?dS?fʉvU?c#W?Y?F%u[?1߄B\?"\?"\?3.\?_Q[?겘|\[?t^cZ??ŊZ? .V`Z??ŊZ?t^cZ?겘|\[?3.\?nS]?O;5Y^?Xj`?C8 a?5l/b?kC8c?YLl> e?^/ f?5)^h?ALj?W!'>m?;fo?4 q?Br?x s?Ϡu? m9w?oӟHy?cz({?H}}?Xj?R%?0?<.9?"Ɔ?Է鲈?}гY?hn?iUMu?rK!?rPLۿ?0*?䠄?kCŘ?9]?H}?~k, ?R!u?4 ?m?{? U+~?d,?Y?zS c ?̗`?6!A?%?\U]?R 1?>:u峼?=~?Ral!A?Cf?kC4?=??nnLOX?D!T?Dn?<,?ԕ?-σv?wkF=?>W[?EB?z{??u'1980 CSO 80% Male Age nearestlARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cc Xjp?C8 Q?ŏ1w-!O?!JN?6YM?"L?m2K?I?~jtH?c#G?9̗G?~jtH?m2K?!JN?+ٱQ?MPT?"V?oӟHY??ŊZ?@_[?"\?y&1\?[[%X\?1߄B\?@_[?F%u[?Q,Z? .V`Z? .V`Z?Q,Z?F%u[?_Q[?y&1\? ]?VCK_?p>?`?na?HPsb?@j';d?N ^e?g?i?1߄Bl?~tgyn?-lp?5;Nq?UN@s?j0 Gt?46}?Xj?"u? 3mJ?4k?Hh˹?_xZ? ?4)ݎ?rK!?Op?4k?E>'I?N ^?x@ٔ+?9z?^2?+<?b ?du?9#??GUD??vOjM?:̗`?MSt$?%jj?!%̴?ec]ܾ?HP?pB!?G8-xW??qUwE?g'?Af?Dn?<,?ԕ?-σv?wkF=?>W[?EB?z{??s{''1980 CSO 80% Male Nonsmoker Age nearestnARobert J. Johansen, FSA (This table has been adopted by the NAIC.  cca2U0*S?8*5{U?kHcCW?*5{X? WX?a+eY?a+eY? WX?~jtX?*5{X?9̗W?W?ǺV?#-#V?ǺV?ǺV?=mW?c#W?~jtX?Y?t^cZ?[[%X\? ]?Xj`?J4a?;Onb?Pc?_Le?0ACg?cbqmh?Q,j?̯l? ?`?4 a?]a?lsczb?3fc?/"e?"f?cbqmh?t^cj?)hm?Vc#p??RDUq?~jts?BBu?kHcCw?_xZy?pn{?<,Ԛ}?*g\8?"u?7l[ ?x@ل?, PSˆ?HP?겘|\?<,Ԛ?LqUwE?iR ?9]?s]?JiW? c AJ?c&?bg ? TƟ?֋hW?HPsע?na?J8?d?c AJ?ī?=?pWs?JOc?S㥳?u7O?|,}? \?s?[ Ac?Ciq?)?x? o_?.s,&6? ui?: ?g67?D )??8L? KW[?EB?z{??N'$1980 CSO 80% Male Smoker Age nearestpARobert J. Johansen, FSA (This table has been adopted by the NAIC.  ccE|'fX?_Q[?_vO^?q_?70`?4 a?J4a?4 a?r&"`?7T7`?Vc#`?;f_?iUMu_?iUMu_? x#_?hUM`?r&"`?P6 ra?j>"Db?UN@c?{Gzd?s.Uee?xĬg?i?h:;l?Qn?p?Y4 r?]`7l[t?+H3v?ϛTx?{Pkz?-[닄|?ŏ1w-!?L7A`?d`T?QN?0r.Ņ?IZև?b('?{?.s,&6?m{?@x=\?3fӓ?hn?kHcC?MbX?1 {?:X0_?QI?"?N`? 8*?ek}Ц?A}R?y]?hn?`Ù?x@?l/ڲ?"?< .?6ٷ??m?KqUw?n?![='?Ws`?m?Fx?_^}t?⪲? ?j&k?.4i?`Ù?H.!?P1߄?B 3m?ta?Qy?al!A ??q!'1980 US CET Female Age lastARobert J. Johansen, FSA 7Derived from ANB by formula [q(x)+p(x)*q(x+1)]/[2-q(x)] TSA XXXIII, pp 674 xThis table has been adopted by the NAIC. for use with Extended Term CET stands for Commissioners Extended Term Insurance  cc Ϡe?[| Z?a+eY?oӟHY? WX?~jtX?VF?X?c#W?W?9̗W?=mW?W?VF?X? WX?Y??ŊZ?겘|\[?1߄B\?y&1\?=\r)]?d]? ]?_vO^?O;5Y^?ŏ1w-!_?iUMu_?q_?hUM`?7T7`?`?R\U]a?a?5l/b?lsczb?1ZGUc?nd?YLl> e?+H3f?9̗g?ض(A&i?ALj?nSm?mo?C8 q?}"Or?Nz1s?ZӼt?46Y?Ah:;Y? WX?E|'fX?VF?X?*5{X?W?9̗W?=mW?9̗W?*5{X?~jtX?a+eY?-C6Z?F%u[?_Q[?[[%X\?wJ\?H}]?6Y]?%^?~tgy^? <^?VCK_? x#_?Vc#`?ezFw`? ^)`?J4a?"ua?/nb?;Onb?9]c?a2U0*c?6ُd?8*5{e?^/ f?ϛTh?i?h:;l?Ws`n?ezFwp?+ٱq?eI)r?@j';t?fu?{w?cbqmx?{Pkz?lxz,C|?`Y~?Mb?HĔH?s?׆q&?ُa?n/i?9̇?gaO;5?zNz?v/?7XO?iR ?k&l?_L?ܝ.4?P?BL?!Yn?T㥛 ?nnLOX?'Nw( ?f?k}Жs?}"O?8EGr?|'fʱ?82?.R\U?|~?y]`7l?, PS˾?/L F?Q?K;?KqU?ʉvR?Z| ?=Ͻ?x]`?(~k ?iƢ?]K=??`?r&"`?J4a?a?5l/b?3kb?3fc?d?N ^e?eS.g?cbqmh?_5!j?VIk?6Ym?uo?St$p?L1%r?~jts?j0 Gt?46}?VCK? ^)ˀ?/n?1ZGU?3KԄ?,ypw?[[%??J$(?v/?mIFŽ?.Q5?6?4ctv?n?EV ?37?ݓ?%7ۜ?Xs`?iᴠ?3bb?]k?KH?E>?( ٬\??x=?N ?S:X?Ps?q@? 8?P1?l, PS?&S?$0{?m2???q -?{ʄ_?+~7?(a_Y?q??Ge'%1980 US CET Female Smoker Age nearestARobert J. Johansen, FSA iDeveloped by adding margin to corresponding CSO table Margin=greater of 0.75 per 1000 or 30% of CSO table TSA 1982 Reports, pp 343 ff xThis table has been adopted by the NAIC. for use with Extended Term CET stands for Commissioners Extended Term Insurance  cc@_[?"\?nS]?%^?!J^?VCK_?;f_?Xj`?*g\8`?p>?`?70`?4 a?P6 ra?a?j>"Db?HPsb?1ZGUc?Pc?{Gzd?ُae?EV f?kHcCg?5)^h??Ŋj?ZӼm?qo??RDUq?r_s?0*u?"v?E ax? .V`z?lxz,C|?CO}:~?vq -? rh?&S?1=a?b?eN?aۢ?1BxqĊ?d*g?.R\U?9@0G? v?apɑ?nض(?8̒?R,?Db? $ ?( ?zCn?R?o*R?z(?M#E?-R\U?Eب?d@zǫ?&P6 ?HzG? ?/' ?~:3P?p1=a?#?I2?>???(~k ?YB?Ywg?O@a?oB!?m2d? o_?+eX?|~?]K=?Y?겘|\[?6Y]?hUM`?a?U+c?@j';d?YLl> e?Ϡe?gse?gse?Ϡe?+~7e?ZӼd?{Gzd?@j';d?׆q&d?nd?@j';d?{Gzd?ZӼd?fʉve?_vOf?Ǻf?c#g?ض(A&i??Ŋj?"l?VCn? ^)p?y):r?"s?fʉvu?kHcCw?( 0y?#G{?YBs}? x#?J4?&S?MP?< .?mnLO?*?v/?uݏ?z6>W[?]Pߒ?#?9]?o l`q? {ɚ?)h?e`TR'?:f?Vc?4)?^)?|a2U0*?)[Z ?=?7d?4Fj?h?RDU?ta?7?W 3?!q?1=a?}ƅ!?e/?X0_^?_ME?*P?;)t?HGŧ?Af?D4ؙ? y?d?mnLO?M(D?(y?|'f?S"^F?ްmQf?ho?St$??ȱ0'1980 US CET Male Age nearestARobert J. Johansen, FSA iDeveloped by adding margin to corresponding CSO table Margin=greater of 0.75 per 1000 or 30% of CSO table TSA XXXIII, pp 655-660 xThis table has been adopted by the NAIC. for use with Extended Term CET stands for Commissioners Extended Term Insurance  cc -=v?6Y]?"\?[[%X\?_Q[?F%u[? .V`Z?a+eY?E|'fX?(XQiX?VF?X? WX?-C6Z?"\?ŏ1w-!_?C8 a?Bb?3fc?Hh˹d?ُae?gse? K e?MۿҤd?MPd?׆q&d?nd?׆q&d?MPd?Hh˹d?/"e? K٬\? ^x?_?@?ZM?x=\r?nnLOX?vӂ?dwW?2V?k}Жs?lF=D??Gz?D )??ׁs?<;k?9]?^?&pn?gs?qt?Dn?:X0_??' 1980 US CET Male Smoker Age last!ARobert J. Johansen, FSA iDeveloped by adding margin to corresponding CSO table Margin=greater of 0.75 per 1000 or 30% of CSO table TSA 1982 Reports, pp 343 ff xThis table has been adopted by the NAIC. for use with Extended Term CET stands for Commissioners Extended Term Insurance  cc6ُd?+H3f?+eXg?VF?h?5)^h?ض(A&i?ض(A&i?5)^h?|~h?Gŧh?=mg?g?Ǻf?Ǻf?eS.g?9̗g? 0*h? Wh?i?m2k?wJl?ŏ1w-!o?r&"p?m2dr?nt?EV v? 0*x?_{fIz?ZӼ}?*3h?P6 r?@ޫV&?'"?,ypw?~n?9v?`5!?Pc*?n燑?YB?h?R,?}ƅ!?[rPL?Y/r?8??{Fw;?4k?,eX? Y9?-σv?%ǭ?^c??o*Ral?3h?i?EB[?Sg?/4i?/' ?=~?';?ctv28?{ʄ?Q?L F%u?D;)?Ù_?wR~R?]?Sy;i?ZB>?j+?P1?1%? x#?!<8b-?M(D??S"^F?ްmQf?ho?St$??(l'#1980 US CET Male Smoker Age nearest"ARobert J. Johansen, FSA iDeveloped by adding margin to corresponding CSO table Margin=greater of 0.75 per 1000 or 30% of CSO table TSA 1982 Reports, pp 343 ff wThis table has been adopted by the NAIC for use with Extended Term CET stands for Commissioners Extended Term Insurance  cca2U0*c?fʉve?Ǻf?IZg?cbqmh?oӟHi?Ah:;i?HPh?cbqmh?VF?h?xĬg?eS.g?0ACg?^/ f?0ACg?+eXg?c#g?|~h?a+ei?g uj?1߄Bl?<,Ԛm?vq -p?n2dq?U+s?h㈵t?w?}:3Py? {?aod~?{?5l/?Yn̓?/$?=m? [t?\ʋ?Bi?{?4)^?׆q&?fL2r?*5{?-C6?>?m??ߞ?SgР?vy]?1w-!?.9? '?JiWV? K?iUMu??Xj@?Mb@?70@?C8 A?R\U]A?+ٱA?מYB?dC?a2U0*C?MۿҤD?8*5{E?#-#F?9̗G?Ah:;I?t^cJ?H}M?MbP?מYR?T?9̗W??ŊZ?d]?hUM`?]a?'@jc?YLl> e?mf?|~h?g uj?y&1l?\4 o?bp?מYr?Ps?Ϡu?MSt$w?.x? F%uz?S!uq{?:̗`}?VCK?Q?"-?4k?HPs?`?>?m?s׎?70?HȰ7?n? pUj?MbX?ޓZӜ?G`??x@٤?K?|гY?hn?k)3?&kC4??m?R'?Lݼ?3K?Dl?ڊe?b48?cz(?b=?9@0G?.lIF?%7?6qrC?zk`?,}?`?? 6?'.1980 US CSO Basic Female Nonsmoker Age nearestARoger Scott Lumsden 75147,262051975-80 SOA excluding durations 1-5 (except ages 0-4)!1970 to 1975 policy anniversaries Estimated by splitting 1980 CSO Basic Percentage of smokers in population and ratio of smoking/nonsmoking mortality estimated from various indicative datasets. Then simultaneous equation solved to split Basic table.\ TSA 1982 Reports, pp 343 ff hThis table is 1980 CSO Nonsmoker before margins CSO stands for Commissioners Standard Ordinary Insurance  ddh㈵4?Ǻ6? W8?t^c:?3.?%>?!J>?iUMu??Xj@?Mb@?C8 A?R\U]A?/nB?vꭁB?x C?h㈵D?ǺF?'>I?"L?XjP?/nR?MPT?#-#V? WX?m2[?H}]?Xj`?P6 ra?3kb?{Gzd?9]f?(XQih?Q,j?)hm? Wp?"uq?7l[ s?iWVt?fu?=mw?( 0y?5A}R{?%u~?bՀ?@ޫV&?o/iQ?IZև?JiWV?K8Ռ?CVzNz?~oӟH?nض(?K;?~n?yt?TgП?g\8?jjZ_?0Ӧ?V}b?ްmQf?8EGr?H.?ĔHQ?s?',񀲹?M O??Mܿ?eN?+pW?wN#-?Xs`?6? q?.lIF?%7?6qrC?zk`?,}?`??d'+1980 US CSO Basic Female Smoker Age nearestARoger Scott Lumsden 75147,262051975-80 SOA excluding durations 1-5 (except ages 0-4)!1970 to 1975 policy anniversaries Estimated by splitting 1980 CSO Basic Percentage of smokers in population and ratio of smoking/nonsmoking mortality estimated from various indicative datasets. Then simultaneous equation solved to split Basic table.\ TSA 1982 Reports, pp 343 ff hThis table is 1980 CSO Nonsmoker before margins CSO stands for Commissioners Standard Ordinary Insurance  ddyCn;?%>?Mb@?/nB?dC?1ZGUC?a2U0*C?MPD?MۿҤD?_LE?8*5{E?#-#F?9̗G?VF?H?'>I?m2K?"L?%N? x#O?J4Q?5l/R?׆q&T?"V?Y?=\r)]?p>?`?3kb?/"e?=mg?i?1߄Bl?~tgyn?>p?q?U+s?t?QfL2rv? c AJx?g uz?y&1|?:f? v?eX?PLۿ?tA?X0_^?a_Yi?˾+?s,&6?`q8?!>M?VI?$EdX?> Yݲ?!u?(,)?5!ݹ?Kh?u?14?:pΈ?rCQO?y?9ߡ(?d??.lIF?%7?6qrC?zk`?,}?`??X!'"1980 US CSO Basic Male Age nearestARoger Scott Lumsden 75147,262051975-80 SOA excluding durations 1-5 (except ages 0-4)3Exposures of $682 billion, Deaths of $4,410 million!1970 to 1975 policy anniversariesAmount of Insurance XQuin pivotal values were developed by summing deaths and exposures Quin ages 2, 7 and 12 tweaked manually Individual ages by a Jenkins 5th difference modified osculatory interpolation Values for ages 85+ adusted to grade to 1.000 at 100 Age 1 at crude rate, age 0 same ratio to age 1 as 1958 Basic All ages scaled by 1.0077 to give A/E of 1.000 TSA XXXIII, pp 624-639 ^This table is 1980 CSO before margins CSO stands for Commissioners Standard Ordinary Insurance  dd(_vOn?1ZGUC?70@?Mb@?%>?t^c:?9̗7?a2U0*3?Mb0?K8,?yCn+?iUMu/?MP4?K8?|a2U? / ?QN?EV ?0*D?y]?H.!?U؟?q?Y-?je/?Hm~?5l/?ZB>٬? x#ȯ? rh?I?dp?JiW? M?߉Y/? p?2rÿ?vR~R?%䃞? M?X?2V?q?X9v?o*Ral!?.R\U?Vy?(y??jv?6?P?J4Q?R\U]Q?C8 Q?MbP?ŏ1w-!O?H}M?m2K?Ah:;I?c#G?#-#F?N ^E?_LE?_LE?8*5{E?q@HF?kHcCG? WH??ŊJ?=\r)M? x#O?nQ?1ZGUS?fʉvU?W? .V`Z?wJ\?Xj`?a?a2U0*c?8*5{e?IZg?&Kj?=\r)m?hUMp?j>"Dr?/r]t?{w?y?Q|?2U0*?Q?x ?ZM?R~R?W}W?iUMu?iR ?ʡE?o?ϛT?p%;6?2 {?3h蟠?jWV?/iQդ?o_?m?y@e?7XO?-l? ?=U?ݰmQ?qZ| ?<,Ԛ? ?(y??jv?6?~k, ?n燑?"? %̔?7?a4?ypwn?XO0?LTo l?ߦ?"?82?Jh?^I +?$EdX?$C?`YiR ?q89@?k`ñ?&p?(?,C?ǘ?4 S?{1*?-s,?P}:3?D/Xn?`?B= ?4R?y;i?㪲?F(?+ h?GĔH?+e?Ϡ?\4?(y??jv?6I?Ah:;I?~jtH?c#G?kHcCG?ǺF?#-#F?q@HF?ǺF?c#G?Ah:;I?t^cJ?"L?%N?iUMuO?MbP?r&"P?R\U]Q?+ٱQ?/nR?מYR?HPsR?U+S?a2U0*S?MPT?h㈵T?8*5{U?QfL2rV?kHcCW?*5{X?Ah:;Y? .V`Z?_Q[?6Y]?Xj`?P6 ra?dc?Hh˹d?I +f?(XQih?-C6j?3.l?%n?Xjp?a)q?מYr?խs?ڧ1u?I +v?VF?x?_5!z??߾|?y~?q?L7A`?5;Nс?HPsׂ?n?f?+ٱ?|݉?"?q]P??m?PN?Pf?.Q?,+MJA?1|DL$?![='?G`?L F%u?j0 GĤ?48E?`?K8լ?g?g'ձ?[Υ?tV?9EGr?j?eN?Db?)A&9?%̴++??:ud?yܝ?^ ? ҌE?}?L1?t3??,0<'1980 US CSO Female Age nearest$ARobert J. Johansen, FSA Margin was added to 1980 Basic by formula of Margin=[0.035-0.00025x+0.000009x^2]/e(x) where e(x) is the curtate expectation of life on 1980 Basic TSA XXXIII, pp 618 aThis table has been adopted by the NAIC. CSO stands for Commissioners Standard Ordinary Insurance  cc xĬg?"L??ŊJ?I?Ah:;I? WH?c#G?9̗G?ǺF?#-#F?q@HF?#-#F?9̗G?~jtH?-C6J?_QK?H}M?ŏ1w-!O?XjP?70P?J4Q?nQ?]Q?5l/R?vꭁR?dS?kC8S?x S?MۿҤT?_LU?_vOV?ǺV?W?~jtX?Y?F%u[?K8\? <^?70`?5l/b?3fc?8*5{e?vӂg?}:3Pi?m2k?=\r)m?ŏ1w-!o?ǘp??RDUq?eI)r?MPt?UwEu?+eXw?( 0y?9]{?bg }?:f?T[r? 'X?}"O?LOXe? ?QfL2r?.?A`"?ʦ\?Mb?+ّ? 3mJ?x@ٔ?k? TƿϘ?O],σ?iW!'՞?E_?Nz1?k)?Է鲘? Ac]? c?0{?HPsײ?0*? ?3mJ?)Ǻ?[ ?mnLOX?p>??yC?"~j?\Ɏ@?eI?F|'f?U 7?WxN?y# ?1%e?x#??E0'%1980 US CSO Female Nonsmoker Age last%ARobert J. Johansen, FSA 7Derived from ANB by formula [q(x)+p(x)*q(x+1)]/[2-q(x)] TSA 1982 Reports, pp 343 ff aThis table has been adopted by the NAIC. CSO stands for Commissioners Standard Ordinary Insurance  cc3.L?H}M?~tgyN?iUMuO?*g\8P?p>?P?r&"P?C8 Q?R\U]Q?+ٱQ?/nR?BR?HPsR?1ZGUS?x S?{GzT?/"U? K?p?q?7l[ s?M Ot?gv? 0*x?[| z?VI{?%}?;f?ڀ?ʉv?Ӈ.o?@z{?9̇?Bf? X4?Xj?&6׆?"?Dioɔ?, PS˖?b=??x=?.9֟?72?:K?, PS˦?Fx?"^?r]?=D;?wg?Qi>"?7ܸ?޻??"AL?%?{?V/?E/Xni?j&k?c&?гY?^ ? ҌE?}?L1?t3??w;8'(1980 US CSO Female Nonsmoker Age nearest&ARobert J. Johansen, FSA Margin was added to 1980 Basic by formula of Margin=[0.035-0.00025x+0.000009x^2]/e(x) where e(x) is the curtate expectation of life on 1980 Basic TSA 1982 Reports, pp 343 ff aThis table has been adopted by the NAIC. CSO stands for Commissioners Standard Ordinary Insurance  ccyCnK?K8L?%N?ŏ1w-!O?XjP?p>?P?70P?C8 Q?J4Q?+ٱQ?]Q?מYR?vꭁR?U+S?a2U0*S?MPT?T?fʉvU?_vOV?kHcCW?*5{X?'>Y?겘|\[?nS]?;f_?C8 a?Bb?x c?fʉve?Ǻf?|~h?_5!j?VIk?<,Ԛm?qo?a)q?;Onr?j+s?Ϡu?kHcCw?$EdXy?z?!u|?խ~?hUM?vݰm?lscz‚?Ƣdp?n/i?= ?6?*t^c?v7Ou͐?DQOI?U 7?gs?*p?̗`?yu?S:X?]3f?g?RD?J?%P6?(?PN?Ut ?˹W}?,`?}˜.?u7Ou?g?RD??,?_5?"^?PLۿ?B??U 7?WxN?y# ?1%e?x#??u7'"1980 US CSO Female Smoker Age last'ARobert J. Johansen, FSA 7Derived from ANB by formula [q(x)+p(x)*q(x+1)]/[2-q(x)] TSA 1982 Reports, pp 343 ff aThis table has been adopted by the NAIC. CSO stands for Commissioners Standard Ordinary Insurance  cciUMuO?p>?P?R\U]Q?5l/R?vꭁR?U+S?kC8S?x S?{GzT?h㈵T?fʉvU?q@HV?ǺV?W?E|'fX?Y?t^cZ?1߄B\?H}]?ŏ1w-!_?ezFw`?]a?kC8c?ُae?=mg?i?"l?ŏ1w-!o?r&"p?5l/r?Nz1s?ڧ1u?G|v?*5{x?C4y?B ܺ{?ui}? ?~oӟH?3mJ?P?+~7?QfL2r?&†?R~R?B&9 {?d*g?VC?m{?Ut?̗`?DUy?.=?"7 ?M»?ľ?B>٬?-? Oe?ؙB5?jt?5l/?[='o?,`??^ ? ҌE?}?L1?t3??G'%1980 US CSO Female Smoker Age nearest(ARobert J. Johansen, FSA Margin was added to 1980 Basic by formula of Margin=[0.035-0.00025x+0.000009x^2]/e(x) where e(x) is the curtate expectation of life on 1980 Basic TSA 1982 Reports, pp 343 ff aThis table has been adopted by the NAIC. CSO stands for Commissioners Standard Ordinary Insurance  cc!JN?*g\8P?C8 Q?]Q?BR?dS?1ZGUS?3fS?׆q&T?T?/"U?N ^U?#-#V?kHcCW?VF?X?a+eY? .V`Z?yCn[?y&1\?~tgy^? x#_?4 a?vꭁb?1%ed?9]f?~jth?#Gk?6Ym?*g\8p?nq?sr?ׁsFt?UwEu?kHcCw? Wx? {z?y&1|?!J~? v?Q?UN@?0*?b('څ? ףp= ?0*D?tמ?겘|\?x?8ߡ(?n?V ?'UHI?s,&6?@ǘ?*?W[잜?H.?ŏ1w-?Q?^?^2?BB?ek?F ^/?ı?2}ƅ?/$?N»\ķ?/Q5U?|гY?҇.?Mg'?GȰ?}tg?>$@M-?+~7?1Zd??y):?U 7?WxN?y# ?1%e?x#??f/'1980 US CSO Male Age last)ARobert J. Johansen, FSA 7Derived from ANB by formula [q(x)+p(x)*q(x+1)]/[2-q(x)] TSA XXXIII, pp 673 aThis table has been adopted by the NAIC. CSO stands for Commissioners Standard Ordinary Insurance  cc Ϡe?r&"P?*g\8P? x#O?~tgyN?K8L?m2K?'>I?~jtH?VF?H?~jtH??ŊJ?%N?nQ?MPT?kHcCW?[| Z?3.\?6Y]?!J^?ŏ1w-!_?ŏ1w-!_?!J^?%^?H}]?y&1\?3.\?1߄B\?_Q[?3.\?y&1\?H}]?O;5Y^?q_? ^)`?a?dc?1%ed?N ^e?g? o_i?1߄Bl?aodn?>p?VFq?r_s?h㈵t?؞Yv?)sx?g uz?y&1|?~@?Q?PLۿ?UMu?QfL2r?kC4?Q,?bg ?r]?J4?7̒?iWV?IFž?|~!<ژ?EB?uT5Aԝ?dF?v?k[?/r.?4ؙB?N ^?h?RDU?*:H?K7?Y޲?l[ ?{fIZ? 0B?BsFZ?ni5$?gCV?rK!?Pf? [tY? / ?k)?I2? 1Z?o1=?3P>?^ D?Xj?n/i?P1߄?Z| ?Zd;O?*D??';'1980 US CSO Male Age nearest*ARobert J. Johansen, FSA Margin was added to 1980 Basic by formula of Margin=[0.035-0.00025x+0.000009x^2]/e(x) where e(x) is the curtate expectation of life on 1980 Basic Values for ages 94+ were regraduated to end at q(99)=1 TSA XXXIII, pp 618 aThis table has been adopted by the NAIC. CSO stands for Commissioners Standard Ordinary Insurance  cc 4 q?nQ?*g\8P?XjP?ŏ1w-!O?H}M?3.L?-C6J? WH?VF?H?c#G?Ah:;I?_QK?*g\8P?HPsR? K"D?dz?b?-R\U?JY8?'@j?Ǻ?>??Pkw?Aǘ?,??@z' 1980 US CSO Male Smoker Age last-ARobert J. Johansen, FSA 7Derived from ANB by formula [q(x)+p(x)*q(x+1)]/[2-q(x)] TSA 1982 Reports, pp 343 ff aThis table has been adopted by the NAIC. CSO stands for Commissioners Standard Ordinary Insurance  ccK8\?Xj`?J4a?Q,b?vꭁb?dc?dc?vꭁb?מYb?]a?~oӟHa?`? ^)`? ^)`?C8 a?P6 ra?/nb?lsczb?"c?ZӼd?q@Hf?c#g?i?lxz,Cl?VCn?p? ar?1%et?9]v?E ax?<,z? X4}? x#?~oӟH?7̂?{Gz?û\wb?E a?zNz?Y/r?B=?n?1ZGU?8̒?, PS˖?ʘ?A&9 ?h˹W?.Q5?P>¡?k g?UD ?eI)?J)ƨ?%䃞ͪ?bg ?u?^2?h?Ų?:dw?SW?aq89? ?1=a?o_?HcC?S"^F?.=?7XO?Ҥt{??bbqm?"?+E|?(~k ?Wf,?H}?W/'?M#E?yu?P1߄?Z| ?Zd;O?*D??cU'#1980 US CSO Male Smoker Age nearest.ARobert J. Johansen, FSA Margin was added to 1980 Smoker Basic by formula of Margin=[0.035-0.00025x+0.000009x^2]/e(x) where e(x) is the curtate expectation of life on 1980 Basic TSA 1982 Reports, pp 343 ff aThis table has been adopted by the NAIC. CSO stands for Commissioners Standard Ordinary Insurance  ccF%u[?O;5Y^? ^)`?+ٱa?Bb?3kb?9]c?HPsb?Bb?Q,b?na?C8 a?r&"`?70`?r&"`?J4a?a?מYb?UN@c?MPd?Ϡe?0ACg? Wh?F%uk?H}m?Vc#p?q?~jts?ُau?)t^cw?}"Oy?}\*{?~tgy~?p>??/n?Nz1?ُa?)t^c?}"O?lxz,C?:f?"7 ?߉Y/?D;)??ܕ?s`?|ݙ?[Ɏ@?n?H`?jWV?Q1߄B?Jh?Afէ?k`é?yt?S c A?&Nw?_2?N`?bbq?d`TR?}R8?Q?YLl> ?H ?S"^F?s?0[wT??x?#J{/L? ?ĬC9?aۢ?BxqZ?|͍?Tr3܀?7ܘ?1?ZӼ?>??Pkw?Aǘ?,??M '%1980 US CSO Selection Factors, Female/SRoger Scott Lumsden 75147,26201Selection experience in 1970-75 SOA medical rates(1975 to 1980 policy years, 5 study yearsAmounts of Insurance Crude select rates from 1970-75 intercompany medical data. The margins in 1980 CSO were then added at central ages. Resulting rates divided by corresponding 1980 CSO central age rates. Then modified and smoothed (unspecified method). Pivotal age values apply to entire band. TSA XXXIII, pp 667-669 Most usage of 1980 CSO is as Ultimate table, it can optionally be multiplied by these factors and used as 10 year select. Primarily it's intended to relieve strain on sale of Term products.  i Y ????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????Q?Q?Q?????????Q?Q?Q?????????Q?Q?Q?????????Q?Q?Q?????????Q?Q?Q?????????Q?Q?Q?????????Q?Q?Q?????????Q?Q?Q?????????Q?Q?Q?????????Q?Q?Q?????????q= ףp?q= ףp?Q?Q?Q???????q= ףp?q= ףp?Q?Q?Q???????q= ףp?q= ףp?Q?Q?Q???????q= ףp?q= ףp?Q?Q?Q???????q= ףp?q= ףp?Q?Q?Q???????)\(?)\(?q= ףp?Q?Q?Q?Q?????)\(?)\(?q= ףp?Q?Q?Q?Q?????)\(?)\(?q= ףp?Q?Q?Q?Q?????)\(?)\(?q= ףp?Q?Q?Q?Q?????)\(?)\(?q= ףp?Q?Q?Q?Q?????zG?zG?)\(?q= ףp?q= ףp?q= ףp?q= ףp?ffffff?ffffff?ffffff??zG?zG?)\(?q= ףp?q= ףp?q= ףp?q= ףp?ffffff?ffffff?ffffff??zG?zG?)\(?q= ףp?q= ףp?q= ףp?q= ףp?ffffff?ffffff?ffffff??zG?zG?)\(?q= ףp?q= ףp?q= ףp?q= ףp?ffffff?ffffff?ffffff??zG?zG?)\(?q= ףp?q= ףp?q= ףp?q= ףp?ffffff?ffffff?ffffff????zG?)\(?)\(?)\(?)\(???????zG?)\(?)\(?)\(?)\(???????zG?)\(?)\(?)\(?)\(???????zG?)\(?)\(?)\(?)\(???????zG?)\(?)\(?)\(?)\(?????RQ?RQ??zG?zG?zG?zG?333333?333333?333333??RQ?RQ??zG?zG?zG?zG?333333?333333?333333??RQ?RQ??zG?zG?zG?zG?333333?333333?333333??RQ?RQ??zG?zG?zG?zG?333333?333333?333333??RQ?RQ??zG?zG?zG?zG?333333?333333?333333?? ףp= ? ףp= ?RQ????????? ףp= ? ףp= ?RQ????????? ףp= ? ףp= ?RQ????????? ףp= ? ףp= ?RQ????????? ףp= ? ףp= ?RQ?????????(\?(\? ףp= ?RQ?RQ?RQ??????(\?(\? ףp= ?RQ?RQ?RQ??????(\?(\? ףp= ?RQ?RQ?RQ??????(\?(\? ףp= ?RQ?RQ?RQ??????(\?(\? ףp= ?RQ?RQ?RQ??????{Gz?{Gz?(\? ףp= ? ףp= ? ףp= ??????{Gz?{Gz?(\? ףp= ? ףp= ? ףp= ??????{Gz?{Gz?(\? ףp= ? ףp= ? ףp= ??????{Gz?{Gz?(\? ףp= ? ףp= ? ףp= ??????{Gz?{Gz?(\? ףp= ? ףp= ? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????333333?333333?{Gz?(\?(\? ףp= ??????Qm'#1980 US CSO Selection Factors, Male0SRoger Scott Lumsden 75147,26201Selection experience in 1970-75 SOA medical rates(1975 to 1980 policy years, 5 study yearsAmounts of Insurance Crude select rates from 1970-75 intercompany medical data. The margins in 1980 CSO were then added at central ages. Resulting rates divided by corresponding 1980 CSO central age rates. Then modified and smoothed (unspecified method). Pivotal age values apply to entire band. TSA XXXIII, pp 667-669 Most usage of 1980 CSO is as Ultimate table, it can optionally be multiplied by these factors and used as 10 year select. Primarily it's intended to relieve strain on sale of Term products.  i Y ??????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff????333333???ffffff?ffffff?ffffff?ffffff?ffffff??ffffff???333333?333333??ffffff?ffffff?ffffff?ffffff??ffffff???333333?333333??ffffff?ffffff?ffffff?ffffff??ffffff???333333?333333??ffffff?ffffff?ffffff?ffffff??ffffff???333333?333333??ffffff?ffffff?ffffff?ffffff??ffffff???333333?333333??ffffff?ffffff?ffffff?ffffff???ffffff????333333???????ffffff????333333???????ffffff????333333???????ffffff????333333???????ffffff????333333??????Q??ffffff????333333?333333?333333?333333??Q??ffffff????333333?333333?333333?333333??Q??ffffff????333333?333333?333333?333333??Q??ffffff????333333?333333?333333?333333??Q??ffffff????333333?333333?333333?333333??Q?333333??ffffff?ffffff???????Q?333333??ffffff?ffffff???????Q?333333??ffffff?ffffff???????Q?333333??ffffff?ffffff???????Q?333333??ffffff?ffffff???????p= ף?Q?333333???ffffff??????p= ף?Q?333333???ffffff??????p= ף?Q?333333???ffffff??????p= ף?Q?333333???ffffff??????p= ף?Q?333333???ffffff??????Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??Q?p= ף??333333?333333??ffffff?ffffff?ffffff?ffffff??cO '31994 US Reg 830 Selection Factors, Female aggregate1S)Chuck Ritzke, F.S.A., M.A.A.A. 75677,3232 1983 to 1986 Table published by NAIC (1994) - Valuation of Life Insurance Policies Model Regulation (Regulation 830). Also used for Regulation 147 in New York. These are the "base" selection factors in the regulation table. Used with basic reserves, multiply by 1.5 to max of 1 Used with deficiency reserves, multiply by 1.2 to max of 1 In each case there's an option to grade from duration 10.  cT*????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????{Gz?{Gz?{Gz?{Gz?{Gz?{Gz?{Gz?{Gz?{Gz?????Q?Q??p= ף?(\?(\?(\?(\?(\?(\?(\?HzG?HzG???Q?Q?= ףp=??Q?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?(\?(\?(\?Gz?ffffff?Q?Q? ףp= ?\(\????Q?Q?Q?Q?= ףp=?= ףp=?= ףp=?(\?333333?Q?Q?)\(?)\(??Q?)\(?????q= ףp?q= ףp?Gz?Q??RQ?p= ף?(\?HzG??{Gz?Q?(\?(\?(\?(\?ffffff?ffffff? ףp= ?Gz??= ףp=?zG?)\(???ףp= ?{Gz?Q?(\?(\?(\?ffffff? ףp= ?Gz?RQ?= ףp=?Q?)\(?q= ףp?Gz??(\?ףp= ?{Gz?Q?(\?(\?ffffff? ףp= ?RQ?(\?Q?)\(??Gz?Q??Q?333333?{Gz?Q?(\?(\? ףp= ?Gz?RQ?(\?)\(?q= ףp?Gz?\(\???p= ף?(\?ףp= ?{Gz?(\?(\? ףp= ?Gz?(\??q= ףp?Gz?Q??RQ???Q?333333?{Gz?(\?(\? ףp= ?RQ??= ףp=?Gz?\(\??p= ף?(\???Q?333333?Q?ffffff?ffffff?Gz??zG?Q?Q??RQ?(\?HzG???Q?333333?(\? ףp= ?Gz?(\?= ףp=?Q?)\(??RQ?(\?HzG????HzG?ףp= ?(\?RQ?RQ??Q??q= ףp?RQ?(\?HzG?Q?= ףp=???HzG?ףp= ?ffffff?(\??zG?)\(?q= ףp?Gz?(\?HzG?Q?= ףp=?(\???HzG?ףp= ? ףp= ??= ףp=?Q?q= ףp?Q?\(\?HzG??= ףp=?(\?zG???HzG?ףp= ?Gz?= ףp=?zG?)\(?Gz?\(\???Q?= ףp=?(\?zG???Q?{Gz?Gz?= ףp=?Q?q= ףp?Q??RQ?Q?Q?(\?zG?zG??p= ף?Q?{Gz?RQ?zG??Gz??RQ?p= ף?Q?= ףp=?(\?zG?333333??p= ף?(\?Q?RQ?zG?q= ףp?\(\?RQ?p= ף?(\?= ףp=?= ףp=?zG?333333?333333??p= ף?(\?Q?(\?Q?Gz??p= ף?(\?HzG?(\?(\?zG?333333?333333??p= ף?(\?Q?(\?Q?Q??p= ף?(\?HzG?(\?(\?zG?333333?333333??p= ף?333333?(\??)\(?Q??p= ף?(\?HzG?= ףp=?= ףp=?(\?333333?333333???333333?(\??)\(?\(\?RQ?(\?HzG??= ףp=?= ףp=?(\?333333?Q???ףp= ?ffffff?= ףp=??\(\?RQ?(\?HzG??Q?Q?= ףp=?333333?Q???ףp= ?ffffff?= ףp=???RQ?(\?HzG??Q?Q?= ףp=?333333?Q???ףp= ?ffffff?= ףp=?)\(?\(\??(\?HzG??Q?Q?= ףp=?Q?ףp= ???ףp= ?ffffff??)\(?Q??p= ף?(\??Q?Q?(\?ףp= ?)\(??Q?333333?ffffff??Q?Gz?\(\?p= ף?(\?HzG?Q?= ףp=?(\?ףp= ?{Gz??Q?333333?ffffff?(\?Q?q= ףp?\(\?RQ?p= ף?HzG?Q?= ףp=?zG?)\(???Q?333333?ffffff?(\?zG??Q?RQ?p= ף?HzG?Q?= ףp=?zG?{Gz?Q??q= ףp?(\?(\?RQ?= ףp=?)\(?Q?RQ?p= ף?HzG?Q?(\?zG?{Gz???)\(?Q?Q?Gz??)\(?Gz?RQ?p= ף??= ףp=?(\?zG?{Gz?{Gz??)\(?Q?Q? ףp= ??Q?Gz?RQ?(\??= ףp=?zG?333333?)\(?{Gz??zG?HzG?{Gz?ffffff?(\?Q?q= ףp?RQ?(\?Q?(\?zG?333333?)\(?)\(???p= ף?ףp= ?(\?RQ?zG?q= ףp?RQ?(\?Q?(\?333333?333333?)\(?ףp= ???p= ף?ףp= ?(\?RQ?zG?q= ףp?RQ?(\??= ףp=?(\?zG?ףp= ?Q??RQ??333333?(\?RQ?Q?Gz?RQ?p= ף?HzG??= ףp=?= ףp=?333333?333333??RQ??333333?(\?(\?Q?Gz?RQ?p= ף?(\?HzG??Q?zG?zG?? ףp= ?Q?(\?(\?(\?)\(?Q?RQ?RQ?p= ף?p= ף?HzG?HzG?= ףp=?(\?? ףp= ?Q?(\?(\?(\?)\(?Q?RQ?RQ?RQ?RQ?p= ף?(\?Q?= ףp=?? ףp= ?Q?(\?(\?RQ?Q?Gz?\(\???RQ?p= ף?(\??Q?? ףp= ?Q?(\?(\?RQ?zG??Gz?Q?\(\??RQ?p= ף???? ףp= ??333333?(\?Gz?= ףp=?)\(?q= ףp?Gz?Gz??RQ?p= ף?HzG??? ףp= ??333333?(\?Gz??zG?)\(??q= ףp?\(\??RQ?HzG?HzG?? ףp= ??333333?(\? ףp= ?(\?= ףp=?zG?)\(??\(\??RQ?(\?(\?? ףp= ?Q?(\?Q?ffffff?RQ??= ףp=?Q?)\(?Q?\(\??p= ף?p= ף??(\?q= ףp?Q?{Gz?(\?Gz?(\??zG?Q?Gz?Q?\(\?RQ?RQ??(\?q= ףp?HzG?ףp= ?(\? ףp= ?RQ??= ףp=?zG?q= ףp?q= ףp?Gz????{Gz?)\(?p= ף?333333?Q?ffffff?Gz?(\??= ףp=???q= ףp?\(\?\(\??{Gz?zG??(\?{Gz?(\? ףp= ?RQ?(\??)\(?)\(??Q?Q??{Gz?zG??(\?ףp= ?Q?ffffff?Gz?(\??)\(?)\(??Q?Q??{Gz?zG??Q?ףp= ?Q?ffffff?Gz?RQ??)\(?)\(??Q?Gz??{Gz?zG?Q?Q?333333?{Gz?(\? ףp= ?RQ??)\(???Gz?Gz??{Gz?zG?Q?HzG?333333?{Gz?(\? ףp= ?Gz??)\(???Gz?q= ףp??{Gz?zG?Q?HzG?(\?ףp= ?Q?ffffff?Gz??)\(???Gz?q= ףp??)\(?p= ף?(\?{Gz?(\? ףp= ?Gz?(\?= ףp=?)\(?Q?\(\?\(\?RQ???HzG?{Gz?(\?Gz?RQ??zG?)\(??Q?RQ?p= ף?p= ף?HzG?(\??Q?Gz?(\?zG?Q??q= ףp?Q??p= ף??Q?Q?(\?= ףp=??RQ?zG?)\(?q= ףp?Q?\(\?RQ?p= ף?HzG?Q?zG?333333?333333?Q?333333??)\(?Gz?\(\?RQ?(\?HzG??= ףp=?(\?333333?)\(?)\(?)\(??{Gz???(\?HzG?Q?= ףp=?zG?333333?Q?ףp= ?{Gz?Q?q= ףp?q= ףp?(\?(\???(\?zG?Q?ףp= ?)\(?{Gz??Q?(\?ffffff?Q?Q? ףp= ?Q??Q?)\(??Q?q= ףp?(\?Gz?ffffff?Q? ףp= ?Gz?Gz?Gz????Q?(\?ffffff?Q? ףp= ? ףp= ?\(\?Gz??RQ?(\?(\?(\?HzG?(\?? ףp= ?Gz??RQ?RQ?p= ף?(\?(\?HzG??Q?= ףp=?= ףp=?= ףp=?= ףp=??(\?HzG??Q?Q?= ףp=?= ףp=?(\?(\?zG?333333?333333?333333?Q?Q??(\?zG?333333?333333?Q?Q?ףp= ?ףp= ?ףp= ?)\(?{Gz?{Gz?{Gz?{Gz?{Gz??{Gz?{Gz???Q?Q?Q?Q?q= ףp?q= ףp?(\?(\?(\?(\?(\??Gz?ffffff?ffffff?ffffff?ffffff?ffffff?Q?Q?Q?Q?Q?Q?Q?Q?Q??O+'31994 US Reg 830 Selection Factors, Female nonsmoker2S)Chuck Ritzke, F.S.A., M.A.A.A. 75677,3232 1983 to 1986 Table published by NAIC (1994) - Valuation of Life Insurance Policies Model Regulation (Regulation 830). Also used for Regulation 147 in New York. These are the "base" selection factors in the regulation table. Used with basic reserves, multiply by 1.5 to max of 1 Used with deficiency reserves, multiply by 1.2 to max of 1 In each case there's an option to grade from duration 10.  cT*????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????)\(?)\(?)\(?)\(?)\(?{Gz?{Gz?{Gz?{Gz?{Gz?{Gz??????RQ?RQ?p= ף?p= ף?p= ף?p= ף?p= ף?p= ף?(\?(\?HzG?HzG?HzG??Q??{Gz?????Q?Q?Q?q= ףp?q= ףp?(\?Gz?Gz?ffffff?Q??p= ף?(\?(\?(\?(\?HzG?HzG?HzG???= ףp=?(\?zG?333333?Q???= ףp=?zG?zG?zG?Q?Q?Q?)\(?)\(?Gz?Q?Q??p= ף??Q?(\?333333?333333?333333?ףp= ?ףp= ?ףp= ?Q?Q? ףp= ?Gz?RQ??zG??HzG?Q?(\?333333?333333?ףp= ?ףp= ?{Gz?(\?(\?Gz?RQ?(\?= ףp=?Q??p= ף?HzG?(\?333333?333333?ףp= ?{Gz?Q?ffffff?ffffff?(\??= ףp=?zG?)\(???HzG?Q?(\?333333?ףp= ?{Gz?Q?ffffff? ףp= ??= ףp=?zG?)\(???Q?p= ף?Q?(\?333333?ףp= ?Q?(\? ףp= ?Gz?zG?Q?)\(??q= ףp??q= ףp??HzG?(\?333333?ףp= ?Q?ffffff?Gz?RQ?Q?)\(??q= ףp?Gz??q= ףp??HzG?333333?ףp= ?{Gz?(\? ףp= ?RQ?(\?)\(??q= ףp?Gz?Q??q= ףp??Q?ףp= ?Q?(\?ffffff?Gz?(\???q= ףp?Gz?Q?Q??)\(??Q?ףp= ?(\?ffffff?Gz?(\?= ףp=?zG?q= ףp?q= ףp?Gz?Q?\(\??)\(??(\?{Gz? ףp= ?Gz?RQ??zG?Q?Gz?Gz?Q?\(\?\(\??)\(??(\?Q?Gz?RQ?(\?= ףp=?Q?)\(?Q?Q?\(\????)\(??(\?Q?Gz?(\??zG?)\(??Q?Q?\(\????q= ףp??(\?Q?Gz?(\?= ףp=?Q?)\(??Q?\(\?\(\????q= ףp?p= ף?333333?(\?RQ??zG?Q??q= ףp?\(\?\(\??RQ?RQ??Q?p= ף?333333?(\?RQ??Q?)\(??q= ףp?\(\???RQ?RQ??Q?p= ף?333333?(\?RQ?= ףp=?)\(??q= ףp?Gz?\(\???RQ?RQ??Q?p= ף?333333?(\?RQ?= ףp=?)\(??q= ףp?Gz?\(\???RQ?RQ??q= ףp?p= ף?333333?(\?RQ?= ףp=?)\(??q= ףp?Gz?\(\?\(\?\(\??RQ??q= ףp?HzG?333333?ffffff?(\?zG?)\(??Gz?Gz?Q?\(\?\(\????)\(?HzG?333333?ffffff?(\?zG?)\(??Gz?Gz?Q?Q?Q?\(\???)\(?HzG?333333?ffffff?(\?zG?)\(??Gz?Gz?Q?Q?Q?\(\???)\(?HzG?333333?ffffff?RQ?= ףp=?Q?)\(?q= ףp?q= ףp?Gz?Q?Q?\(\???zG?HzG?333333?(\?RQ?= ףp=?Q?)\(??q= ףp?Gz?Gz?Q??RQ??zG?p= ף?333333?(\?Gz??zG?Q???q= ףp?Gz?Gz??RQ???p= ף?333333?Q?Gz??zG?Q?)\(??q= ףp?q= ףp?Gz?RQ?p= ף???p= ף?333333?Q? ףp= ?(\?= ףp=?zG?Q?)\(??q= ףp?Gz?RQ?p= ף??RQ??(\?{Gz?ffffff?RQ??zG?Q?)\(??q= ףp?Gz??RQ??RQ?Q?Q?ףp= ?(\?Gz?(\?= ףp=?Q?)\(??q= ףp?Gz?\(\??? ףp= ?Q?Q?333333?Q? ףp= ?(\?= ףp=?zG?)\(??q= ףp?q= ףp?\(\?Q?? ףp= ?q= ףp?HzG?(\?{Gz?ffffff?RQ??zG?)\(??q= ףp?q= ףp?Q?Gz??(\?)\(?p= ף?Q?ףp= ?(\?Gz??zG?)\(??q= ףp?q= ףp?Gz?q= ףp??(\?zG??Q?ףp= ?(\?Gz??= ףp=?Q?)\(?)\(??q= ףp???{Gz?zG??Q?ףp= ?(\?Gz?(\??zG?zG?Q?Q??)\(??{Gz??Q?HzG?ףp= ?(\? ףp= ?(\???= ףp=?= ףp=?zG?Q?Q??333333??Q?HzG?ףp= ?(\? ףp= ?RQ?(\?(\?(\???zG?zG??333333?RQ?q= ףp?HzG?ףp= ?(\? ףp= ?RQ?RQ?RQ?RQ?RQ?(\?= ףp=?= ףp=??333333?RQ?q= ףp?HzG?333333?Q?ffffff?Gz?Gz?Gz?RQ?RQ?RQ????333333?RQ?q= ףp?p= ף?(\?{Gz?(\?ffffff? ףp= ? ףp= ?Gz?Gz?RQ?(\?(\??Q?RQ?)\(?p= ף?(\?333333?{Gz?(\?(\?ffffff?Gz?Gz?Gz?(\?(\??Q?RQ?)\(??Q?(\?ףp= ?{Gz?Q?(\? ףp= ? ףp= ?Gz?RQ?RQ??Q?RQ?)\(??HzG?Q?333333?ףp= ?{Gz?Q? ףp= ? ףp= ? ףp= ?Gz?Gz??Q? ףp= ?zG?Q?p= ף?HzG?(\?333333?ףp= ?{Gz?ffffff?ffffff?ffffff?Gz?Gz??p= ף? ףp= ?zG?q= ףp??p= ף?Q?(\?333333?ףp= ?(\?(\?ffffff? ףp= ?Gz??p= ף?(\??q= ףp??p= ף?Q?Q?(\?333333?Q?(\?(\? ףp= ? ףp= ??Q?(\??)\(?Q??HzG?HzG?Q?(\?{Gz?Q?(\?ffffff? ףp= ??Q?{Gz?RQ?zG?q= ףp?Q?p= ף?p= ף?HzG?Q?ףp= ?{Gz?Q?ffffff? ףp= ??Q?{Gz?RQ?zG?)\(?q= ףp??p= ף?HzG?Q?{Gz?Q?Q?ffffff? ףp= ??Q?{Gz? ףp= ??)\(?q= ףp??p= ף?HzG?(\?{Gz?Q?(\? ףp= ?Gz??)\(?333333? ףp= ??zG?)\(?Q??Q?(\?Q?(\?(\? ףp= ?Gz??)\(?333333?(\?RQ?zG?)\(?Q??Q?333333?Q?(\?ffffff?Gz?RQ??)\(?333333?(\?RQ??zG?q= ףp??Q?333333?(\?ffffff?ffffff?Gz?RQ??(\?zG?q= ףp?Q??p= ף?Q?333333?Q?ffffff?RQ?(\?(\?= ףp=?zG??q= ףp?p= ף?Q?333333?ףp= ?{Gz?Q?ffffff?RQ?(\?Q?)\(?)\(??q= ףp??(\?{Gz?(\?ffffff? ףp= ?Gz?RQ??zG?)\(?Gz?Q?Q????ffffff?RQ?(\?= ףp=?= ףp=?zG?)\(??Gz?\(\?p= ף?p= ף?p= ף?HzG???= ףp=?Q??q= ףp?Gz?Gz?\(\??p= ף?(\?Q?= ףp=?= ףp=?(\?zG??Gz?\(\??RQ?p= ף?(\?HzG??= ףp=?(\?333333?Q?Q?ףp= ?)\(??(\??Q?= ףp=?= ףp=?(\?zG?333333?ףp= ?)\(????Q?q= ףp??(\?333333?Q?ףp= ?)\(?)\(?{Gz??Q?q= ףp?Gz?ffffff?ffffff?Q?Q??{Gz?Q?q= ףp?(\?(\?(\?Gz?ffffff?Q? ףp= ?Gz?Gz?Gz????ffffff? ףp= ? ףp= ?\(\?\(\?Gz?Gz??RQ?p= ף?(\?(\?(\?HzG?HzG??RQ?p= ף?(\?(\?HzG?HzG?HzG??Q?Q?= ףp=?(\?(\?(\?(\??= ףp=?(\?(\?zG?zG?zG?333333?333333?Q?Q?ףp= ?ףp= ?ףp= ?ףp= ?)\(??)\(?{Gz?{Gz?{Gz?{Gz?{Gz????Q?Q?Q?Q?q= ףp?q= ףp??Gz?Gz?Gz?ffffff?ffffff?ffffff?ffffff?ffffff?ffffff?ffffff?Q?Q?Q?Q?Q??n'01994 US Reg 830 Selection Factors, Female smoker3S)Chuck Ritzke, F.S.A., M.A.A.A. 75677,3232 1983 to 1986 Table published by NAIC (1994) - Valuation of Life Insurance Policies Model Regulation (Regulation 830). Also used for Regulation 147 in New York. These are the "base" selection factors in the regulation table. Used with basic reserves, multiply by 1.5 to max of 1 Used with deficiency reserves, multiply by 1.2 to max of 1 In each case there's an option to grade from duration 10.  cT*????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?(\?(\?(\?(\?Gz?Gz?Gz??(\?zG?zG?zG?zG?zG?zG?zG?333333?333333?ףp= ?ףp= ?ףp= ?)\(?)\(???RQ?p= ף?p= ף?p= ף?p= ף?p= ף?p= ף?(\?(\???Q?= ףp=?(\??Q?q= ףp?Gz?Gz?Gz?Gz?Gz?Gz?ffffff?Q?\(\?\(\???p= ף??(\?zG?Q?Q?Q?Q?Q?Q?)\(?)\(?q= ףp?q= ףp?(\?Gz?Q??\(\?RQ?(\?(\?(\?(\?(\?(\??Q?333333?333333?ףp= ?)\(???Gz?\(\?p= ף?p= ף?p= ף?p= ף?(\?HzG?Q?= ףp=?Q?ףp= ?)\(?{Gz?Q???Gz??RQ?p= ף?p= ף?(\?HzG?Q?= ףp=?)\(?)\(?{Gz??q= ףp??Q?q= ףp?\(\?RQ?RQ?RQ?(\??= ףp=?(\?{Gz??Q?q= ףp?q= ףp??= ףp=?)\(?Gz??RQ?RQ?(\??= ףp=?(\?Q?Q?q= ףp?(\?(\??(\?zG?q= ףp?\(\???(\?Q?(\?zG?q= ףp?(\?(\?Gz?Gz??(\?zG?q= ףp??RQ?p= ף?HzG?= ףp=?zG?333333?(\?(\?Gz?ffffff?ffffff??RQ?= ףp=?q= ףp??(\?(\?Q?(\?333333?Q?(\?Gz?Gz?ffffff?ffffff??RQ?= ףp=?q= ףp?RQ?HzG??= ףp=?333333?ףp= ?)\(?Gz?Gz?ffffff?Q?Q??Gz??q= ףp?RQ?Q?Q?zG?Q?)\(?{Gz?Gz?ffffff?ffffff?Q?Q??Gz??q= ףp?p= ף?= ףp=?(\?333333?ףp= ?{Gz??ffffff?ffffff?Q? ףp= ? ףp= ??Gz??q= ףp?p= ף?= ףp=?zG?Q?)\(?{Gz??ffffff?ffffff?Q? ףp= ? ףp= ??Gz??q= ףp?p= ף?= ףp=?zG?ףp= ?)\(??Q?ffffff?ffffff?Q?\(\?\(\??Gz?= ףp=??p= ף?= ףp=?333333?ףp= ?{Gz??Q?ffffff?Q? ףp= ?\(\?\(\??Gz?= ףp=??p= ף?= ףp=?333333?)\(?{Gz?Q?q= ףp?ffffff?Q? ףp= ?Gz?Gz??Gz?= ףp=??p= ף?= ףp=?Q?{Gz??Q?q= ףp?ffffff?Q? ףp= ?Gz?Gz?? ףp= ?= ףp=??p= ף?= ףp=?Q?{Gz??Q?q= ףp?ffffff?Q? ףp= ?Gz?Gz??ffffff???p= ף?= ףp=?Q?{Gz??Q?q= ףp?ffffff?Q?Q?Gz?Gz??(\??)\(?RQ?Q?333333?)\(??q= ףp?(\?Gz?ffffff?Q?\(\?Gz??Q?(\?)\(?RQ?Q?333333?)\(??q= ףp?(\?Gz?ffffff?ffffff?\(\?Gz??{Gz?(\?)\(?RQ?Q?333333?)\(??q= ףp?(\?Gz?ffffff?ffffff?\(\?Gz??ףp= ?(\?)\(???zG?ףp= ?{Gz?Q?(\?Gz?ffffff?ffffff?Gz???ףp= ?RQ?)\(??HzG?(\?Q?{Gz?Q?q= ףp?Gz?ffffff?Q??p= ף??333333?RQ?Q?\(\?HzG?(\?Q?)\(??q= ףp?(\?ffffff?Q?p= ף?(\??333333?Gz?Q?\(\?(\?= ףp=?333333?)\(??Q?(\?ffffff? ףp= ?(\???(\?Gz?Q?Q?p= ף?Q?zG?ףp= ?{Gz?Q?(\?ffffff? ףp= ?HzG?Q??Q? ףp= ?zG?Gz?RQ??(\?ףp= ?{Gz?Q?Gz?Q? ףp= ?(\???HzG?ffffff?= ףp=?q= ףp??HzG?(\?ףp= ?{Gz?q= ףp?Gz?Q? ףp= ?(\?HzG??HzG?ffffff??)\(?\(\?(\?= ףp=?ףp= ?{Gz?q= ףp?ffffff? ףp= ?\(\?p= ף?p= ף??p= ף?(\?(\?Q?Q?p= ף?= ףp=?ףp= ?{Gz?(\?ffffff? ףp= ?\(\?p= ף?RQ???Q?RQ?zG?Gz?RQ?Q?ףp= ?{Gz?(\?Q?\(\?\(\?RQ???Q?{Gz?Gz?zG?Gz?RQ?Q?ףp= ?)\(?q= ףp?Gz?Q?Q??Gz??Q?ףp= ?Gz?zG?Gz?p= ף?= ףp=?ףp= ?)\(?Q?(\?Gz?ffffff?Gz?Gz??q= ףp?ףp= ? ףp= ?= ףp=?Q?p= ף?= ףp=?Q?ףp= ?{Gz?Q?(\?(\?\(\?\(\??q= ףp?333333? ףp= ?= ףp=?Q?(\?(\?Q?ףp= ?)\(??Q?q= ףp? ףp= ?\(\??)\(?(\?ffffff?= ףp=?Q?(\?(\?Q?Q?ףp= ?)\(?{Gz??Q? ףp= ??)\(?(\?ffffff?= ףp=?Gz?p= ף?Q?zG?333333?Q?)\(?{Gz??ffffff?Q??)\(?(\?ffffff?= ףp=?q= ףp?RQ??(\?zG?333333?)\(?{Gz??Gz?ffffff??q= ףp?333333? ףp= ?= ףp=?q= ףp?\(\?(\?Q?= ףp=?zG?)\(?{Gz?{Gz?Gz?Gz??q= ףp?333333? ףp= ?= ףp=??Q?p= ף??Q?(\?)\(?{Gz?{Gz?(\?(\??q= ףp?333333? ףp= ?= ףp=?)\(?Gz??(\??= ףp=?)\(?{Gz?{Gz?q= ףp?q= ףp??)\(?(\?ffffff??Q?q= ףp?\(\?p= ף?HzG?Q?ףp= ?)\(?)\(?Q?Q??)\(?Q?(\?(\?zG??Q?RQ?(\??Q?Q?Q?{Gz?{Gz??zG?Q?(\?RQ?zG??Gz??RQ?(\?zG?333333?333333?)\(?)\(??zG?HzG?Q?Gz?= ףp=?)\(?q= ףp?\(\??p= ף?(\?(\?(\?Q?Q???p= ף?{Gz? ףp= ??Q??Q?\(\?RQ?= ףp=?= ףp=?= ףp=?333333?333333???p= ף?{Gz? ףp= ?(\?zG?)\(?Gz?\(\?RQ?Q?Q?Q?zG?zG???p= ף?{Gz?ffffff?(\?zG?)\(?q= ףp?Q??Q?Q?Q?(\?(\???p= ף?ףp= ?ffffff?RQ?= ףp=?Q?q= ףp?Q?????= ףp=?Q???p= ף?ףp= ?(\?RQ?= ףp=?Q??Gz?\(\????Q????p= ף?ףp= ?(\?Gz??zG?)\(?Gz?\(\?HzG?HzG?HzG??HzG???ףp= ? ףp= ?RQ?= ףp=?)\(?q= ףp?Q?RQ?p= ף?= ףp=?= ףp=?= ףp=?(\?= ףp=??ףp= ? ףp= ??Q??Q??RQ?HzG?Q?333333?333333?333333?Q?333333?? ףp= ?= ףp=??Gz??p= ף?HzG??(\?zG?)\(?)\(?)\(?{Gz?)\(??= ףp=?q= ףp?\(\?p= ף?HzG?Q?= ףp=?zG?Q?)\(?Q?Q?Q?q= ףp?Q??Gz?RQ?HzG?Q?(\?333333?Q?)\(??Q?Gz?Gz?Gz?ffffff?Gz??p= ף?Q?zG?333333?ףp= ?{Gz??Q?(\?Gz? ףp= ? ףp= ? ףp= ?\(\? ףp= ??= ףp=?Q?)\(??Q?(\?Gz?ffffff? ףp= ?\(\????RQ???)\(??(\?Gz?Q? ףp= ?\(\?Gz??RQ?HzG?HzG?HzG?HzG?HzG??(\?ffffff? ףp= ?Gz??RQ?p= ף?(\?HzG??= ףp=?= ףp=?= ףp=?= ףp=?= ףp=??\(\??p= ף?(\?HzG??Q?Q?= ףp=?(\?333333?333333?333333?333333?333333??HzG??= ףp=?= ףp=?(\?zG?333333?333333?Q?Q?)\(?)\(?)\(?)\(?)\(??zG?333333?Q?ףp= ?ףp= ?)\(?)\(?{Gz?{Gz??Q?Q?Q?Q?Q??{Gz??Q?Q?q= ףp?q= ףp?q= ףp?(\?(\?(\?Gz?Gz?Gz?Gz?Gz??ffffff?ffffff?ffffff?Q?Q?Q?Q?Q?Q? ףp= ? ףp= ? ףp= ? ףp= ? ףp= ? ףp= ??T'11994 US Reg 830 Selection Factors, Male aggregate4S)Chuck Ritzke, F.S.A., M.A.A.A. 75677,3232 1983 to 1986 Table published by NAIC (1994) - Valuation of Life Insurance Policies Model Regulation (Regulation 830). Also used for Regulation 147 in New York. These are the "base" selection factors in the regulation table. Used with basic reserves, multiply by 1.5 to max of 1 Used with deficiency reserves, multiply by 1.2 to max of 1 In each case there's an option to grade from duration 10.  cT*????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????Q?Q?Q?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp??= ףp=?= ףp=?= ףp=?(\?(\?(\?(\?(\?(\?zG?zG?zG?zG?zG?zG??\(\?Gz?Gz???????RQ?RQ?RQ?RQ?RQ?p= ף??{Gz???Q?Q?q= ףp?q= ףp?Q?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?Gz???Q?Q?(\?(\?(\?(\?(\?(\?zG?zG?zG?zG?zG?Q??q= ףp?Gz?Gz?\(\?\(\???\(\??RQ?RQ?RQ?RQ?RQ?(\??)\(??q= ףp?Gz?Q?Q?\(\?Q?\(\?????RQ?p= ף??Q?)\(?)\(?q= ףp?q= ףp?Gz?Gz?Gz?Gz?\(\?\(\?\(\?\(\??p= ף??= ףp=?zG?Q?)\(???q= ףp??q= ףp?Gz?Gz?Q?\(\??RQ???= ףp=?= ףp=?Q?Q?)\(?)\(?)\(?)\(?q= ףp?q= ףp?Gz?Q?\(\?RQ??RQ?(\??= ףp=?zG?zG?Q?Q?Q???q= ףp?Gz?\(\???Gz?RQ??= ףp=?zG?zG?Q?)\(?)\(??q= ףp?Gz?Q??RQ??Gz?RQ??= ףp=?zG?Q?)\(?)\(?)\(?q= ףp?q= ףp?Gz?\(\?RQ?p= ף?? ףp= ?Gz??zG?Q?Q?)\(???q= ףp?Gz?Q??RQ?(\?? ףp= ?Gz??zG?Q?)\(????Gz?Gz?Q?RQ?p= ף?HzG??ffffff? ףp= ??zG?Q?)\(??q= ףp?q= ףp?Gz?Q?\(\?p= ף?(\???(\? ףp= ??zG?)\(??q= ףp?Gz?Gz?Q?\(\?RQ?(\?HzG?Q??Q?ffffff??Q?)\(??q= ףp?Q?Q?\(\?RQ?p= ף?HzG?Q?= ףp=??ףp= ?ffffff?= ףp=?Q??q= ףp?Gz?Q??RQ?p= ף?HzG?Q?= ףp=?zG??333333?(\?= ףp=?)\(??q= ףp?Gz?\(\?RQ?p= ף?HzG??= ףp=?zG?333333??(\?(\?= ףp=?)\(?q= ףp?Gz?Q??p= ף?(\??= ףp=?(\?333333?Q??Q?Q?= ףp=?)\(?q= ףp?Gz?\(\??p= ף?(\??= ףp=?zG?Q?ףp= ??Q?Q?= ףp=?)\(?Gz?Q?\(\??p= ף?(\??= ףp=?zG?Q?ףp= ??HzG?{Gz?= ףp=??Gz?Q??RQ?p= ף?HzG??(\?333333?ףp= ?)\(??HzG?{Gz?= ףp=??Q?\(\??RQ?p= ף?HzG??(\?333333?ףp= ?)\(??p= ף?ףp= ?= ףp=??Q?\(\?RQ?RQ?p= ף?HzG??(\?Q?)\(?{Gz??p= ף?{Gz?= ףp=??Q?\(\?RQ?RQ?RQ?(\??= ףp=?Q?)\(?{Gz??p= ף?Q?= ףp=??Q?\(\???RQ?p= ף?HzG?= ףp=?333333?)\(?{Gz??p= ף?Q?zG?q= ףp?Gz?Q????p= ף?HzG?Q?333333?ףp= ?{Gz??p= ף?(\?zG?q= ףp?Gz?Q?\(\?\(\??RQ?(\?Q?zG?ףp= ?{Gz??p= ף?ffffff?zG?q= ףp?Gz?Q?\(\?\(\?\(\??(\??zG?ףp= ?{Gz??p= ף?(\?= ףp=??q= ףp?Gz?Q?\(\?\(\??(\?Q?zG?ףp= ?)\(???Q??Q??q= ףp?Gz?Q?\(\??HzG?= ףp=?zG?ףp= ?)\(???Q?RQ?zG?)\(?q= ףp?Gz?Q?Q?RQ?HzG?= ףp=?333333?Q?ףp= ??Q?{Gz?Gz??Q??q= ףp?Gz?Q?RQ??(\?333333?Q?ףp= ??Q?ףp= ? ףp= ?(\?zG?)\(??Gz?Q?RQ??zG?333333?Q?Q??q= ףp?333333?ffffff?RQ?= ףp=?)\(??Gz?Q?RQ??zG?333333?Q?ףp= ??q= ףp?(\?(\?RQ?= ףp=?Q??Gz?Q?RQ??zG?333333?Q?ףp= ??)\(?(\?Q?Gz??Q?)\(?q= ףp?Q?RQ?Q?zG?Q?ףp= ?)\(??)\(?Q?{Gz?Gz??zG?)\(?q= ףp?Q?RQ?Q?zG?Q?ףp= ?)\(??zG?HzG?ףp= ? ףp= ?(\?zG?)\(?q= ףp?Q?RQ?Q?zG?Q?ףp= ?{Gz??zG?HzG?ףp= ? ףp= ?(\?= ףp=?Q??Gz???(\?333333?Q?)\(???p= ף?{Gz? ףp= ?(\?= ףp=?Q??q= ףp?\(\?HzG?= ףp=?zG?333333?ףp= ???p= ף?{Gz? ףp= ???zG?)\(?q= ףp?\(\?(\??= ףp=?(\?Q??RQ??Q? ףp= ???zG?)\(??Q?p= ף?HzG?Q?= ףp=?333333??RQ??Q? ףp= ??(\?= ףp=?Q?)\(?Gz?RQ?(\??Q?zG??RQ??Q? ףp= ???= ףp=?Q?)\(?Gz??p= ף?HzG?Q?zG??RQ??Q? ףp= ???zG?Q?)\(?q= ףp?\(\?RQ?(\??(\?? ףp= ??{Gz?Gz?= ףp=?= ףp=?zG?)\(??q= ףp?\(\?\(\?p= ף??(\?? ףp= ??{Gz?Gz?= ףp=?= ףp=?Q?)\(???Q?Q?RQ?HzG?= ףp=?? ףp= ??{Gz?Gz?= ףp=?zG?Q?)\(???Gz?Gz??HzG?= ףp=?? ףp= ??{Gz?Gz?= ףp=?zG?Q?)\(??q= ףp?Gz?Q?RQ??= ףp=?? ףp= ??{Gz?Gz?= ףp=?zG?Q??q= ףp?q= ףp?Q?\(\?RQ?Q?= ףp=??RQ?p= ף?Q?RQ?zG?zG?)\(??q= ףp?Gz?Q?\(\?p= ף?Q?(\??RQ?p= ף?Q?RQ?zG?zG?)\(?q= ףp?Gz?Gz?\(\??p= ף?= ףp=?(\??RQ?p= ף?Q?RQ?zG?zG?)\(?q= ףp?Gz?Q?\(\?RQ?(\?(\?(\??Q?ףp= ?Gz?zG?q= ףp?q= ףp?Q??RQ?RQ?p= ף?HzG?Q?Q?Q??333333? ףp= ?zG?q= ףp???RQ?(\?HzG??Q?(\?zG?{Gz?{Gz??ffffff?= ףp=?q= ףp??HzG?HzG??= ףp=?(\?(\?zG?Q?ףp= ?Q?Q??= ףp=?q= ףp?RQ??= ףp=?= ףp=?zG?333333?Q?ףp= ?)\(?{Gz?Q?Gz?Gz??q= ףp?RQ??zG?Q?Q?)\(?{Gz???Q?q= ףp?Gz? ףp= ? ףp= ??RQ?Q?333333?)\(???Q?(\?(\?Gz?Gz?Q? ףp= ????= ףp=?Q?{Gz?q= ףp?Gz?Gz?ffffff?Q? ףp= ? ףp= ?\(\?Gz??(\?(\??ףp= ??Gz?Q?\(\?\(\?Gz???RQ?RQ?p= ף?(\????(\?ffffff?\(\??p= ף?p= ף?(\?(\?HzG?HzG???Q?(\?(\??\(\??(\?HzG?Q?Q?Q?= ףp=?= ףp=?(\?(\?zG?zG?Q?Q??(\??= ףp=?(\?333333?333333?333333?Q?Q?Q?Q?ףp= ?ףp= ?{Gz?{Gz??zG?333333?ףp= ?)\(?)\(?)\(?{Gz?{Gz?{Gz????Q?q= ףp?q= ףp??{Gz??Q?q= ףp?q= ףp?q= ףp?(\?(\?(\?(\?(\?(\?Gz?Gz?Gz??ffffff?ffffff?Q?Q?Q?Q?Q?Q?Q? ףp= ? ףp= ? ףp= ? ףp= ? ףp= ? ףp= ??wd'11994 US Reg 830 Selection Factors, Male nonsmoker5S)Chuck Ritzke, F.S.A., M.A.A.A. 75677,3232 1983 to 1986 Table published by NAIC (1994) - Valuation of Life Insurance Policies Model Regulation (Regulation 830). Also used for Regulation 147 in New York. These are the "base" selection factors in the regulation table. Used with basic reserves, multiply by 1.5 to max of 1 Used with deficiency reserves, multiply by 1.2 to max of 1 In each case there's an option to grade from duration 10.  cT*????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????Q?Q?Q?Q?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp?q= ףp??Q?= ףp=?= ףp=?(\?(\?(\?(\?(\?(\?zG?zG?zG?zG?zG?333333?? ףp= ?\(\?\(\?Gz??????RQ?RQ?RQ?RQ?RQ?p= ף??ףp= ?)\(?{Gz??Q?q= ףp?q= ףp?Q?q= ףp?q= ףp?q= ףp?q= ףp?(\?(\?Gz??(\?HzG??= ףp=?(\?(\?(\?(\?(\?zG?zG?zG?333333?333333?ףp= ??Q??q= ףp?Q?\(\???\(\??RQ?RQ?RQ?p= ף?p= ף?HzG??zG?)\(??Gz?Q?Q?\(\?Q?\(\????RQ?RQ?(\??= ףp=?Q?)\(??q= ףp?Gz?Gz?Gz?Q?\(\?\(\?\(\??RQ?(\???= ףp=?zG?)\(???q= ףp??q= ףp?Q?\(\?\(\?\(\??p= ף??(\??= ףp=?zG?Q?)\(?)\(?)\(??Gz?Q?Q?Q??p= ף??RQ?(\??= ףp=?zG?zG?Q?Q?)\(?q= ףp?Gz?Gz?Gz?\(\?RQ??Gz?(\??= ףp=?zG?Q?)\(?)\(?)\(?q= ףp?Gz?Gz?Q??p= ף??Gz?RQ??zG?Q?Q?)\(?)\(??q= ףp?Gz?Q?\(\?RQ?p= ף?? ףp= ?RQ?= ףp=?zG?Q?)\(????Gz?Q?Q?\(\?RQ?(\?? ףp= ?Gz?= ףp=?Q?)\(?)\(???q= ףp?Gz?Q?\(\??p= ף?(\??ffffff?Gz?= ףp=?Q?)\(??q= ףp?q= ףp?q= ףp?Gz?Q?\(\?RQ?(\?HzG??(\? ףp= ?= ףp=?Q?)\(??q= ףp?Gz?Gz?Q?\(\??p= ף?HzG???Q? ףp= ?= ףp=?)\(??q= ףp?Gz?Gz?Q?\(\??RQ?(\??Q??{Gz?ffffff?= ףp=?)\(??q= ףp?Gz?Q?\(\??RQ?(\??= ףp=?(\??ףp= ?ffffff?= ףp=??q= ףp?Gz?Q?Q??RQ?p= ף?HzG?Q?(\?zG??333333?(\?= ףp=??q= ףp?Gz?Q?\(\?RQ?p= ף?(\??= ףp=?zG?333333??(\?(\?= ףp=??q= ףp?Gz?Q?\(\?RQ?p= ף?(\??= ףp=?zG?333333??Q?Q?= ףp=??q= ףp?Gz?Q?\(\?RQ?p= ף?(\??= ףp=?zG?333333??Q?Q?= ףp=??Gz?Q?\(\??RQ?(\?HzG?Q?(\?333333?333333??HzG?{Gz?= ףp=??Gz?Q?\(\??RQ?(\?HzG?Q?(\?333333?333333??p= ף?{Gz?= ףp=??Gz?Q?\(\??RQ?(\?HzG?Q?(\?333333?333333??p= ף?{Gz?= ףp=??Gz?Q?\(\?\(\??p= ף?(\??= ףp=?zG?zG??p= ף?Q?= ףp=??Gz?Q?\(\?\(\?\(\?RQ?p= ף?HzG?Q?(\?zG???Q?= ףp=??Gz?Q?Q?Q?\(\?\(\?RQ?(\??= ףp=?(\???(\?= ףp=??Gz?Q?Q?Q?Q?Q??p= ף?HzG?Q?(\???(\?= ףp=??Gz?Q?Q?Gz?Gz?Gz?\(\?RQ?(\??= ףp=???Q??Q??q= ףp?Gz?q= ףp?q= ףp?Gz?\(\?RQ?(\?HzG?Q??Q?{Gz?RQ?zG?)\(?????q= ףp?\(\?RQ?p= ף?(\???Q?{Gz?Gz??zG?Q?)\(?)\(??q= ףp?Q?RQ?p= ף?(\?(\??q= ףp?ףp= ?ffffff?(\?= ףp=?zG?zG?Q?)\(??Q?RQ?RQ?p= ף?p= ף??q= ףp?333333?(\?Gz?(\??= ףp=?zG?Q??Q?RQ?RQ?RQ?RQ??)\(?(\?Q? ףp= ?RQ?(\??zG?Q?)\(?Q??RQ?RQ?RQ??)\(?Q?{Gz?ffffff?Gz?RQ??= ףp=?zG?)\(?Gz???RQ?RQ??zG?p= ף?ףp= ?(\?Gz?RQ?(\?= ףp=?zG?Q?Gz?\(\???RQ??zG??333333?Q? ףp= ?Gz?(\??= ףp=?Q?q= ףp?\(\?\(\??RQ???Q?(\?{Gz?ffffff? ףp= ?RQ??= ףp=?zG?q= ףp?Q?\(\??RQ??RQ?Q?(\?{Gz?ffffff?ffffff?Gz?(\??= ףp=??Gz?Q?\(\???RQ?q= ףp?(\?{Gz?ffffff?ffffff? ףp= ?RQ?(\??)\(??q= ףp?Gz?\(\?? ףp= ?q= ףp?Q?ףp= ?(\?(\? ףp= ?Gz?Gz?(\?zG?)\(??q= ףp?Gz?? ףp= ?)\(?Q?ףp= ?(\?(\?ffffff? ףp= ? ףp= ?RQ?= ףp=?zG?Q?)\(?q= ףp??(\?)\(?Q?ףp= ?(\?Q?(\?ffffff?ffffff?Gz??= ףp=?zG?Q???(\?)\(?Q?ףp= ?(\?Q?(\?ffffff?ffffff? ףp= ?(\??= ףp=?Q???{Gz?zG?HzG?ףp= ?Q?Q?(\?ffffff?ffffff? ףp= ?RQ?(\?= ףp=?Q???{Gz?zG?HzG?333333?Q?Q?(\?(\?(\?ffffff?Gz?RQ??Q???333333??p= ף?333333?{Gz?Q?(\?(\?(\?ffffff? ףp= ?Gz??Q???333333??p= ף?333333?{Gz?Q?(\?(\?(\?(\?ffffff? ףp= ?(\?Q???333333??p= ף?333333?{Gz?Q?(\?(\?ffffff?ffffff? ףp= ?Gz??)\(?q= ףp??333333??p= ף?333333?{Gz?Q?(\?(\?ffffff? ףp= ?Gz?RQ?= ףp=??Gz??333333???(\?{Gz?{Gz?(\?ffffff? ףp= ? ףp= ?Gz?(\?zG?q= ףp?Gz??333333???(\?{Gz?{Gz?(\?ffffff? ףp= ?Gz?RQ??Q?Gz?Q??333333???(\?{Gz?{Gz?(\?ffffff?Gz?RQ?(\?= ףp=?)\(?Q?\(\??zG??333333?(\?Gz?Gz?RQ?(\?= ףp=?zG?Q??Q?RQ?p= ף??p= ף?ףp= ?ffffff?RQ?= ףp=?= ףp=?Q?)\(??q= ףp?Gz?\(\?RQ??Q??{Gz? ףp= ??Q?q= ףp?q= ףp?Gz?Q???RQ?(\??(\?zG??RQ?= ףp=??Q???p= ף?p= ף?HzG???= ףp=?zG?ףp= ?)\(??Q?Gz??(\???Q?= ףp=?(\?zG?zG?Q?)\(??Q??\(\?p= ף??= ףp=?zG?zG?333333?Q?ףp= ?)\(?)\(??Q?Gz?Gz???= ףp=?333333?ףp= ?{Gz?{Gz???Q?q= ףp?q= ףp?Gz?ffffff? ףp= ?\(\??333333?)\(??q= ףp?(\?(\?Gz?ffffff?Q?Q? ףp= ? ףp= ?Gz?RQ?RQ??Q?(\?ffffff? ףp= ?\(\?\(\?Gz?Gz???RQ?RQ?(\?HzG??? ףp= ?\(\??RQ?p= ף?p= ף?(\?(\?HzG?HzG???Q?(\?(\??p= ף?HzG??Q?= ףp=?= ףp=?= ףp=?(\?(\?(\?zG?zG?333333?Q?Q??(\?zG?333333?Q?Q?Q?ףp= ?ףp= ?ףp= ?)\(?)\(?)\(?{Gz????{Gz?{Gz??Q?Q?Q?Q?Q?q= ףp?q= ףp?q= ףp?q= ףp?(\?(\?(\??Gz?ffffff?ffffff?ffffff?ffffff?ffffff?Q?Q?Q?Q?Q?Q?Q? ףp= ? ףp= ??^=,'.1994 US Reg 830 Selection Factors, Male smoker6S)Chuck Ritzke, F.S.A., M.A.A.A. 75677,3232 1983 to 1986 Table published by NAIC (1994) - Valuation of Life Insurance Policies Model Regulation (Regulation 830). Also used for Regulation 147 in New York. These are the "base" selection factors in the regulation table. Used with basic reserves, multiply by 1.5 to max of 1 Used with deficiency reserves, multiply by 1.2 to max of 1 In each case there's an option to grade from duration 10.  cT*????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????Gz?ffffff?ffffff?ffffff?ffffff?Q?Q?ffffff?ffffff?ffffff?ffffff?ffffff?ffffff?ffffff?ffffff??)\(?{Gz?{Gz???Q?Q?Q?Q?Q?Q????Q??(\?zG?zG?333333?Q?ףp= ?ףp= ?Q?Q?Q?Q?Q?Q?Q?Q??p= ף?(\?HzG??Q?= ףp=?= ףp=?Q?Q?Q?Q?Q?Q?Q?Q??Q?\(\?\(\??RQ?(\?(\?p= ף?p= ף?p= ף?p= ף?RQ?RQ?RQ?p= ף???q= ףp?(\?ffffff?Q?\(\?\(\? ףp= ? ףp= ? ףp= ? ףp= ?Q?Q?Q? ףp= ??)\(??Q?(\?Gz?ffffff?ffffff?Gz?ffffff?ffffff?ffffff?Gz?Gz?Gz?ffffff??Q?)\(?{Gz?Q?Q?(\?(\?q= ףp?q= ףp?(\?(\?q= ףp?q= ףp?q= ףp?(\??333333?Q?ףp= ?{Gz?{Gz???{Gz??????Q?q= ףp??(\?zG?333333?ףp= ?Q?)\(?)\(?ףp= ?ףp= ?)\(?)\(?)\(?)\(?{Gz???Q?= ףp=?(\?333333?zG?333333?333333?zG?333333?Q?Q?Q?Q?ףp= ?)\(???Q?(\?333333?zG?333333?333333?zG?333333?Q?Q?Q?Q?ףp= ?)\(??(\??= ףp=?zG?zG?333333?333333?zG?333333?333333?333333?Q?Q?ףp= ?)\(??p= ף?(\?= ףp=?zG?(\?zG?333333?zG?zG?333333?333333?333333?ףp= ?ףp= ?)\(???p= ף?Q?(\?(\?zG?333333?zG?zG?zG?zG?333333?ףp= ?ףp= ?)\(??\(\?RQ?Q?(\?(\?zG?333333?zG?zG?zG?zG?333333?ףp= ?ףp= ?)\(??Gz???(\?(\?zG?333333?zG?zG?zG?333333?Q?)\(?)\(?{Gz???Q??= ףp=?(\?zG?zG?zG?zG?333333?333333?ףp= ?{Gz?{Gz?Q??Q?Gz?HzG?= ףp=?(\?(\?zG?zG?333333?333333?Q?ףp= ?{Gz?Q?q= ףp??= ףp=??HzG?Q?(\?(\?(\?zG?333333?Q?Q?)\(??q= ףp?Gz??(\?)\(?(\?Q?(\?(\?(\?zG?333333?Q?ףp= ?{Gz?Q?(\?ffffff??RQ?Q?p= ף??= ףp=?(\?(\?zG?333333?Q?ףp= ?{Gz?Q?(\?ffffff?? ףp= ?zG?RQ??= ףp=?= ףp=?(\?zG?333333?Q?ףp= ?{Gz?q= ףp?Gz?ffffff??ffffff??RQ?HzG?Q?= ףp=?= ףp=?(\?zG?Q?)\(??q= ףp?Gz?Q??Q?(\??HzG?Q?Q?= ףp=?(\?zG?Q?)\(??(\?ffffff?Q??{Gz?RQ?\(\?(\??Q?= ףp=?(\?zG?Q?)\(??(\?ffffff?Q??ףp= ?RQ?\(\?(\??Q?= ףp=?= ףp=?(\?333333?ףp= ?{Gz?q= ףp?ffffff?Q??ףp= ?RQ?Q?(\??Q?Q?= ףp=?= ףp=?zG?Q?)\(?q= ףp?Gz?Q??333333?(\?Q?p= ף?HzG??Q?Q?= ףp=?(\?333333?)\(?Q?Gz?Q??333333?(\?Gz?p= ף?HzG???Q?Q?= ףp=?zG?ףp= ?Q?(\?Q??(\?(\?Gz?p= ף?HzG?????Q?(\?Q??(\?Q??(\?RQ?q= ףp??p= ף?HzG?HzG?HzG??Q?zG?ףp= ??(\?ffffff??Q?Gz?)\(?\(\?RQ?p= ף?(\?(\?HzG?Q?zG?)\(?Q?(\?ffffff??Q?Gz?Q?Gz?\(\?RQ?p= ף?(\?HzG?Q?333333?)\(?Q?(\?Gz??HzG? ףp= ?= ףp=?q= ףp?Q?\(\?RQ?p= ף?(\?Q?333333?{Gz?q= ףp?(\?Gz??HzG?ffffff??)\(?q= ףp?Q??RQ?(\?Q?Q??q= ףp?(\?(\??p= ף?(\?(\?Q?q= ףp?Q??RQ?(\?Q?Q??q= ףp?Gz?Gz??p= ף?Q?RQ?zG??Gz??RQ?(\?Q?Q??(\?Gz?ffffff???ףp= ?Gz?= ףp=??Gz?\(\?RQ?HzG?Q?ףp= ?Q?(\?ffffff? ףp= ???333333? ףp= ??)\(?q= ףp?\(\?RQ?HzG?Q?ףp= ?Q?Gz?ffffff?\(\??Q?(\?ffffff?(\?)\(?q= ףp?\(\?RQ?HzG?Q?ףp= ?Q?Gz?Q?Gz??q= ףp?(\?ffffff?(\?)\(?q= ףp?Q??(\?Q?Q??(\?ffffff?Gz??q= ףp?(\?ffffff?(\?)\(??Q??(\??Q?{Gz?q= ףp?Gz?\(\??)\(?Q? ףp= ????Gz?\(\?p= ף??333333?{Gz?q= ףp?Gz?\(\??)\(?Q? ףp= ???)\(?Gz?\(\?p= ף?HzG?333333?)\(?Q?(\? ףp= ??zG?Q? ףp= ???)\(?q= ףp?Q?RQ?HzG?zG?ףp= ??q= ףp? ףp= ??zG?Q? ףp= ?= ףp=???Gz?\(\?p= ף?HzG?zG?Q?{Gz?q= ףp?Q??zG?Q? ףp= ?= ףp=?q= ףp?q= ףp?Q??p= ף?HzG?zG?333333?)\(?Q?ffffff???Q?Gz?zG?q= ףp?q= ףp?\(\??(\??(\?333333?)\(?Q?Gz???Q?Gz?zG?Gz?Gz??RQ?(\??(\?zG?ףp= ??(\???Q?Gz?Q?Gz?Q?RQ?p= ף?HzG??(\?(\?Q??q= ףp???(\?Gz?)\(?Q?\(\?p= ף?(\?HzG??(\?(\?Q??q= ףp??zG?(\?Gz?)\(?\(\??p= ף?(\???(\?(\?Q??q= ףp??zG?333333?RQ??\(\??(\?HzG??Q?= ףp=?(\?Q??Q??)\(?333333?RQ???RQ?(\?HzG?Q?Q?= ףp=?(\?Q??Q??)\(?ףp= ?RQ?q= ףp?RQ?p= ף?HzG??Q?Q?= ףp=?(\?Q??Q??HzG? ףp= ?zG??HzG??= ףp=?(\?zG?zG?333333?Q?{Gz?q= ףp?(\??{Gz??q= ףp?(\?(\?(\?333333?Q?ףp= ?ףp= ?)\(?{Gz?Q?ffffff?Q??RQ???= ףp=?Q?ףp= ?)\(?{Gz???Q?Q?Gz? ףp= ?\(\??Q?\(\??333333?{Gz??Q?q= ףp?(\?(\?(\?Gz?Q?Gz???Q?HzG?zG?{Gz?q= ףp?(\?Gz?ffffff?Q?Q?Q? ףp= ?Gz?p= ף?p= ף??(\?zG?)\(?(\?Q?Q? ףp= ?\(\?Gz?Gz?Gz??p= ף?HzG???(\?)\(?q= ףp?Q?Gz?Gz??RQ?p= ף?p= ף?p= ף?(\?HzG?Q?= ףp=??{Gz?(\?Q??p= ף?(\?HzG?HzG?HzG?HzG???= ףp=?zG?zG??Gz? ףp= ??(\??Q?= ףp=?= ףp=?= ףp=?= ףp=?(\?zG?zG?Q?Q??Gz?p= ף?HzG?= ףp=?zG?zG?333333?333333?333333?333333?Q?Q?ףp= ?)\(?{Gz??HzG?= ףp=?(\?Q?ףp= ?ףp= ?)\(?)\(?)\(?)\(?{Gz?{Gz??Q?Q??zG?Q?)\(?{Gz???Q?Q?Q?Q?Q?q= ףp?q= ףp?(\?(\???Q?q= ףp?(\?(\?Gz?Gz?Gz?Gz?Gz?Gz?Gz?ffffff?ffffff?ffffff??ffffff?ffffff?Q?Q? ףp= ? ףp= ? ףp= ? ףp= ? ףp= ? ףp= ? ףp= ? ףp= ? ףp= ?\(\?\(\??''1980 US CET Male Nonsmoker, ALB Table FARobert J. Johansen, FSA iDeveloped by adding margin to corresponding CSO table Margin=greater of 0.75 per 1000 or 30% of CSO table 3TSA 1982 Reports, pp 343 ff see also TSA XXXIX, p74 The CSO Male Nonsmoker ANB qx's were printed twice in 1982 Reports, once in Table E and once in Table F. The values differed at age 71. Table F CSO value of 38.91, was a misprint but was adopted by the NAIC. The official CET values were calculated (and adopted) from the correct 38.31 CSO values but this version using the 30% margin formula on the Table F value is also allowed by the NAIC for use with Extended Term CET stands for Commissioners Extended Term Insurance  cc~oӟHa?j>"Db?dc?kC8c?3fc?Pc?"c?kC8c?U+c?HPsb?;Onb?5l/b?/nb?ƊLa?ƊLa?/nb?j>"Db? ab?9]c?a2U0*c?MPd?YLl> e?EV f?g?VF?h?N ^i?#Gk?nSm? o?St$p?m2dr?j+s?fʉvu? m9w?ض(A&y?5A}R{?6Y}?G8-xW?T5A}?2Y؃?Mg'?9 ?_{fI?:̗`? ?+ٱ?V ?b?иp $ ?Q,?=~oӟ?28J^c?q&? g?? r?AC?yu?"T? ?dp?KԲ?M?JA4F?%e˽?_{fI?bg ?9]?"Db?Q,b?ƊLa?ƊLa?ƊLa?5l/b?;Onb?HPsb?1ZGUc?x c?MۿҤd?Ϡe?I +f?xĬg? Wh? .V`j?lxz,Cl?~tgyn?G8-xWp?+ٱq?7l[ s?MۿҤt?46p?]q?1ZGUs?ڧ1u?Ǻv?ض(A&y?@_{?2%~?bՀ?Y4 ?8d`?g?=U?$7?N ? v?ʉvR~? ϛ?bX9Ȗ?gaO;5? ϛ?O;5Y?*?lIF΢?fa֤?鷯?g?ɰ72?U+~?*oG8-x?tA}˜.?B>٬?V`??~jt?}Жs)?0 GĔ?I2??d?pq?BB?s,&6?9EGr??S"^F?x&1?uT5A?P1߄?Z| ?Zd;O?*D??kA''1980 US CSO Male Nonsmoker, ANB Table F,ARobert J. Johansen, FSA Margin was added to 1980 Nonsmoker Basic by formula of Margin=[0.035-0.00025x+0.000009x^2]/e(x) where e(x) is the curtate expectation of life on 1980 Basic 3TSA 1982 Reports, pp 343 ff see also TSA XXXIX, p74 kThe Male Nonsmoker qx's were printed twice in 1982 Reports, once in Table E and once in Table F. The values differed at age 71. Table F value of 38.91, shown here, was a misprint but this version of the table was adopted by the NAIC. The NAIC has agreed that either Table E or Table F values may be used. CSO stands for Commissioners Standard Ordinary Insurance  cc/"U?=mW?Ah:;Y?-C6Z?m2[?yCn[?겘|\[?t^cZ? .V`Z?Y? WX?VF?X?c#W?9̗W?9̗W?9̗W?*5{X?~jtX?a+eY? .V`Z?@_[?wJ\?!J^?Mb`?na?lsczb?@j';d?gse?=mg?ض(A&i?m2k?)hm? x#o?a)q? ar?#t?'u?Gŧx?JiWVz?bg }? ??=~o?Ih˹W?˹W}??[ ?r]?LH?2y?K?gj+?B&9 {?v/?8 ? ?@? K?[%Xμ?d?KTo l?HP?fa?pB!?ao?IVF?s//?XO0?V-?2bb?]C?>??Pkw?Aǘ?,??.''1980 US CET Male Nonsmoker, ALB Table E7ARoger Scott Lumsden 75147,2620 iDeveloped by adding margin to corresponding CSO table Margin=greater of 0.75 per 1000 or 30% of CSO table 3TSA 1982 Reports, pp 343 ff see also TSA XXXIX, p74 The CSO Male Nonsmoker ANB qx's were printed twice in 1982 Reports, once in Table E and once in Table F. The values differed at age 71. Table F CSO value of 38.91 was a misprint but was adopted by the NAIC. The official CET values were calculated (and adopted) from the correct 38.31 CSO values An alternate version using the 30% margin formula on the Table F value is also allowed by the NAIC for use with Extended Term CET stands for Commissioners Extended Term Insurance  cc~oӟHa?j>"Db?dc?kC8c?3fc?Pc?"c?kC8c?U+c?HPsb?;Onb?5l/b?/nb?ƊLa?ƊLa?/nb?j>"Db? ab?9]c?a2U0*c?MPd?YLl> e?EV f?g?VF?h?N ^i?#Gk?nSm? o?St$p?m2dr?j+s?fʉvu? m9w?ض(A&y?5A}R{?6Y}?G8-xW?T5A}?2Y؃?Mg'?9 ?_{fI?:̗`? ?+ٱ?V ?b?иp $ ?Q,?=~oӟ?28J^c?q&? g??q@? m9?yu?"T? ?dp?KԲ?M?JA4F?%e˽?_{fI?bg ?9]?"Db?Q,b?ƊLa?ƊLa?ƊLa?5l/b?;Onb?HPsb?1ZGUc?x c?MۿҤd?Ϡe?I +f?xĬg? Wh? .V`j?lxz,Cl?~tgyn?G8-xWp?+ٱq?7l[ s?MۿҤt?46p?]q?1ZGUs?ڧ1u?Ǻv?ض(A&y?@_{?2%~?bՀ?Y4 ?8d`?g?=U?$7?N ? v?ʉvR~? ϛ?bX9Ȗ?gaO;5? ϛ?O;5Y?*?PC?˾+?鷯?g?ɰ72?U+~?*oG8-x?tA}˜.?B>٬?V`??~jt?}Жs)?0 GĔ?I2??d?pq?BB?s,&6?9EGr??S"^F?x&1?uT5A?P1߄?Z| ?Zd;O?*D??5*x''1980 US CSO Male Nonsmoker, ANB Table E:ARoger Scott Lumsden 75147,2620 Margin was added to 1980 Nonsmoker Basic by formula of Margin=[0.035-0.00025x+0.000009x^2]/e(x) where e(x) is the curtate expectation of life on 1980 Basic 3TSA 1982 Reports, pp 343 ff see also TSA XXXIX, p74 oThe Male Nonsmoker qx's were printed twice in 1982 Reports, once in Table E and once in Table F. The values differed at age 71. Table E value of 38.31, shown here, was correct but the Table F version of the table was adopted by the NAIC. The NAIC has agreed that either Table E or Table F values may be used. CSO stands for Commissioners Standard Ordinary Insurance  cc/"U?=mW?Ah:;Y?-C6Z?m2[?yCn[?겘|\[?t^cZ? .V`Z?Y? WX?VF?X?c#W?9̗W?9̗W?9̗W?*5{X?~jtX?a+eY? .V`Z?@_[?wJ\?!J^?Mb`?na?lsczb?@j';d?gse?=mg?ض(A&i?m2k?)hm? x#o?a)q? ar?#t?'u?Gŧx?JiWVz?bg }? ??=~o?Ih˹W?˹W}??[ ?r]?LH?2y?K?gj+?B&9 {?v/?8 ? ?v28J^? K?[%Xμ?d?KTo l?HP?fa?pB!?ao?IVF?s//?XO0?V-?2bb?]C?>??Pkw?Aǘ?,??!ȓ'data/qx_ins.dat0000664000175000017510000231356506277633264012312 0ustar greglmi1793 UK NorthamptonARoger Scott Lumsden 75147,2620Population data>Deaths in the parish of All Saints in the town of Morthampton  1735 to 1780Number of lives There was no census available of the population from which the deaths occurred; this led to considerable inaccuracy. Mortality shown was excessively high MPrincipal Mortality Tables OLD and NEW Tillinghast, Nelson & Warren, INC 1977 Still mentioned in old State statutes These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  ``B&9 {?|S:?e?DJ?VCK?%?GĔH?3?3.?KTo l?lscz‚?m4?4)^?:pΈ?+?s?Nz1?46:u?:K?ۅ:?E/Xni?bJ$(?Ǻ?du?c]F?g?D$]3?g'ՙ?_{fI?ϽK?d]K?׻??yѩ+?מY?p $ ?x&?eX?Q|a?4 ?Ynͣ?iWV?fʉv? ?M|?"|?-[닄|?Q|?Pkw|?wb֋|?K8|?bg }?S.}?XO0~?=~o?5;Nс?M(D!?M O?b? ?0*?DioɄ?ڧ1?^K=?-=?8L?ϛT?9v?J8?!Yn?gy܍?_vO?:T?`Y?<,Ԛ?[wT?1߄B?{?2ZGUD?ŏ1w-!?aTR'?X5;N?מY?~jt?Af?ʘ?ԕ?o|%?4 S?H3Mg'?/$?M»\?b ?(\¥? yX5?K7A?V-?b=y?r?_Qڋ?+H3?;On?q?ZӼ}?@_{? {?yt{??߾|?lxz,C|?>?m|?y&1|?Q|? X4}?G=D;}?gy}?CO}:~?Ws`~? <~?j?=~o?8ߡ(?Sg?PN?M?E>?n2d?Q?j>"D?&S?Op?'@j?2Y؃?:K? ?+~7?{?ZM? ףp= ?gj+?(yu?&K?@_? X4?s׎?mJR?X5;N?Q|a?6T? %̔?< .?9d? vöE??!rh?6 r? B?zަ??r_?+0du?o\?V`?BsFZ?[Z {?Į?~@?|y?k g?L2r?WL?JFžv?|%j?0|DL?iW!'վ?EB[Υ?s?2bb?ah? 8?FZ*oG?m4@?`9z?d?/?fIZ?+? u? ?P0AC?ݓ?V??H3Mg'???{U'1868 US AE, Age Nearest, Unisex,AWPrepared by Stephen J. Strommen, FSA, from electronic data provided by Bill White, FSA.+Experience of Mutual Life Insurance Company 1843 to 1860 -Based in general on Mutual Life experience, after the effects of medical selection were eliminated but was to a certain extent emprical The table commenced at age 10 but was extended to age 0 by James Craig, who adopted ages 0 to 5 of the Actuaries' Table extension and carried them into AE at age 10. MPrincipal Mortality Tables OLD and NEW Tillinghast, Nelson & Warren, INC 1977 uThis table was commonly used for valuation before the 1941 CSO table was developed. AE stands for American Experience  __I >?d~$A?r-?dz?ȯ? Qڋ?4J?|YH?)?g`eM,?խ~?%~?h~?I/j?JbI?^gED?_EF$a?`x%s}?3X?P1?"?q@H?[1?4HL?8h?a? v? gɀ?M?eS.?%:,B?vݰm?$"?'ځ?m?;pGR?8@?F?bD?#ӡ?Rm?A?*%?j?}ƃ-?lf܆?_ѭ?~jt?>Q? Q׊?g s69?1Ǎ?H¾D?a?I*SAБ?_F?M»\?bg ؕ?m|?}:3P?* hU??@I?3`? 5? >ɋ?Ii6`?AI0e?7?O?eo)狽?vR~R?΢w*?۟?֍wG?Qٰ(?c 1?LP÷n?oJy?Ǹ?$}?̴++M??n?Qn?:̗`o?Xjp?p>?p?C8 q?n\q?j>"Dr?eI)r?s?{Gzt?KTo lu?q@Hv?eNw?tF_x?a+ey??Ŋz?B ܺ{?Q|?CO}:~?r]?ezFw?a)?|y?46:u?@z{?ܝ.4?J +?SZ!?>٬\? ǯ?gaO;5?^?4?Jvl?,+MJA?/ǵ?&ۻ?-1?*g\?:f?333333?Dio?ʉvR~?V?k T?~n?FB[Υ?yS??sh|??&?yC???;S.?tN?I2??8 ?E>'I?-R\U??V' 1893 UK Om[5], Age Nearest, MaleARoger Scott Lumsden 75147,2620LAssured lives of 60 UK offices, Whole Life Par, Male, excludes durations 1-5 1863 to 1893Number of lives 9Makeham formula I estimate A=.005896, B=.0001035, c=1.094 7British Offices Life Tables C. & E. Layton London, 1903 BPopular valuation table, superceding Hm Om stands for Offices Male  ff$EdXy? vöEy?_xZy?|DL$zy?y?k`y?='o|y?_5!z?&Kz?g uz?Q,z?z?]K={?yCn{?_Q{?lxz,C|?{|?bg }?G=D;}?y~?7ܘ~?.s,&6?=~o?hUM?70?#bJ$?"u?L1%?46?m?.R\U???zpwn?5o?3KԒ?1=a?KuT?D?RQ?';?:@0Gߛ? Y9?8 ?E? a?1=a? ?QQ? <.?)A&9?!Yn?eF ^ׯ?Ah:;? ?f16?hHK?~R8?D ?j+ݻ?P1?y \?|?5^?333333?Dio?ʉvR~?V?k T?~n?FB[Υ?yS??sh|??&?yC???;S.?tN?I2??8 ?E>'I?-R\U??b'%1906 US Standard Industrial, Age Next.ARoger Scott Lumsden 75147,2620*Industrial Experience of Metropolitan Life-767 thousand deaths, 48 million years of risk 1896 to 1905Number of lives 6Represented the mortality of the time quite accurately MPrincipal Mortality Tables OLD and NEW Tillinghast, Nelson & Warren, INC 1977 Required or accepted by most states from 1907-1948 These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  bbԕ?M(D?Á,`?ϛT?r_?H}}?tF_x?1=at?7T7p?3.l?HPh?9̗g?*5{h?i?nSm?bp?Nz1s?G|v?҇.oy?!>M|? <~?{?+ٱ?%ǝ?kC8?]`7l[?Q|a2?_vO?0AC??kC4?$EdX?`7l[?m?BB?9]?hyܝ?ǵb?D$?X?d?Pc*??ܵ|??m?W2đ?7',?/ ҌE?D;)?h?bJ$(?QQ?Է鲘?`?4Ry?D$?n??ܵ|?n2d?L$zŢ?ۿҤ??V ?Z ͨ?Жs)?>"D?? '? c A?3Mg'?ͯ?(ILٶ?Բ?7̺?d]K?^c@z?Q?}?qZ| ?_?I&†?a|y?9̗??ƿϸp ?m?[%X?MbX9?&9 {?͒5l? 3mJ?Ԛ?7?wg??8 ?E>'I?-R\U??sk'&1918 Canada CM(5), Age Nearest, UnisexARoger Scott Lumsden 75147,26207Legal reserve life insurance on standard insured lives.=Exposures of $2.7 billion, deaths of $29.4 million (Canadian)1900 to 1915 (probably)Amounts of insurance The colog of px was fitted to 3 formulae - Ages 15 to 20 to Makeham's 1st law Ages 35+ to Makeham's 2nd law Ages 20 to 35 to a hybrid bridging formula The rules under which the material was collected and the method of treatment of the data were the same as for American Men. gThis is the ultimate table, known as CM(5). The table was originally published in select and ultimate form. I have to warn you that I couldn't find a full copy of the actual qx's I found a book with the formulae and sample values for quin ages 20-80 The formulae reproduced those sample values, so I ran it for all ages. CM stands for Canada Male Insurance  ggh:;l?=\r)m?CO}:n?:̗`o?TBp?bp?R\U]q?+ٱq?ƊLq?/nr?/nr?zަ?q?]q??RDUq?"uq?ek}q?P6 rq?P6 rq?n2dq?5;Nq?y):r?lsczr?r_s?nt?ZӼt?u?I2v?*5{x?҇.oy?)'$z?wb֋|?2%~?hUM?ek}?Րǂ?@j';?ԅ?9̗?'>?B ܺ?dF ?@_?R~Rӑ?k&l?je/?{?b=? ?m"?x?Q?V?Ϡ?E>? yǩ??"2?ypw֮?Sr3ܰ?W&R?o??ޫV&?!Y?"uq ?Nё\C?B[Υ?dzF?([Z ?BB?ԕ??xZ?ڧ?P?=~oӟ?+j0 ? ?6?"AL??% '"1918 US AM(5), Age Nearest, Unisex-AWPrepared by Stephen J. Strommen, FSA, from electronic data provided by Bill White, FSA.RLegal reserve life insurance on standard insured lives contributed by 59 companies*Exposures $26 billion, deaths $436 million 1900 to 1915Amounts of insurance MPrincipal Mortality Tables OLD and NEW Tillinghast, Nelson & Warren, INC 1977 This is the ultimate table, known as AM(5). Original table was only for ages 15 and over. Subsequently a number of extensions were done to age zero. This version is Bowerman's extension. The table was originally published in select and ultimate form. AM stands for American Male  gg@`-ʼ??mnLO?bg }?#t?Vc#p?@_k?HPh?Gŧh?VF?h?ض(A&i?i?Q,j?m2k?#EdXk?[[%Xl?Ql?uim?aodn?.s,&6o?Xjp?ezFwp?r&"p?4 q? rhq?n\q?5;Nq?zަ?q?g\8r?L1%r?j>"Dr?מYr?Pyr?7r?U+s?Nz1s?@j';t?h㈵t? K?m|?aod~?TB?P6 r?7̂?uT5A?'?,+MJA?}"O?yt?;D?ezFw?ڧ?2y?je/?wT ?P?5A}R?`YiR ?Uj@+?~R? x#?4cѤ?IFž?)t^c?Q,?wJ? ^x?N@? 8?S\U]?.Q?1=a?a|y?jM?f2}ƽ?-#?9(a_? {?5?W2?S!uq?}9?xz,C?Z?up>?>W[?[ A?CsFZ*?[ ?ʦ\?E?Q?rCQO?8d`?`VI???E>'I?-R\U??Ǟ'1924 US Linton A LapseDRoger Scott Lumsden 75147,2620 2"Returns under Agency Contracts", RAIA XIII, p 283 Table was originally designed as an illustration, but became very popular. Linton B scale is twice Linton A, Linton C is 3 times, Linton A/B is 1.5 times.  x?Q??I +?{Gz?;On?Mb?V-?S㥛??~jt?Zd;O?I +?/$?{Gz?23q'$1926-33 US ADB, Nearest, Male+FemaleARoger Scott Lumsden 75147,2620ASOA Intercompany Accidental Death Mortality Study, of 6 companies 1918 to 1933 >TASA XXXV, p 381 TSA XI, pp 749-762 TSA 1958 Reports, pp 45-78 NAIC valuation table in 32 states prior to 1959 ADB I'm not sure where the extension to age zero came from. These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  cc =\r)M?y&1L?3.L?@_K?m2K?Q,J?-C6J?]@"I?tH?_F?&:,BE?$xCE?&:,BE?RTJ? -M?8fٓL?;s K?4`K?#fF?J? OmI?4 ;H?ŭG?GF?obHN&nE?3fC?5l/B?D-ͭ@?#>?Pl=?]2?VDׅ??3/@?_s@?$@?(֩=#A?fLgA?m)B?t|8cC?lXSYD? XrD?64DE?8*5{E?_vOF?NwxF? !G?oӟHI?Q,J?39AL?F̱N?| ^P?J4Q?fLgQ?j>"DR?[[!R?1ZGUS?=ԶaT?fʉvU?-;V?AA)ZW?"ߥ%X?N"¿Z?*6u![?3.\?aq6]?ǜgK6^?W:_?Z'.+`?B_zs`?a?b?  c?5-?`?_Le?Bb?p>?`?d]?Bb?p>?`?d]? .V`Z?p>?`?d]? .V`Z?kHcCW?d]? .V`Z?kHcCW?{GzT? .V`Z?kHcCW?{GzT?מYR?"V?MPT?מYR?J4Q?a2U0*S?/nR?C8 Q?C8 Q?R\U]Q?70P?r&"P?]Q? x#O?MbP?+ٱQ?kC8S?!JN?C8 Q?U+S?/"U? x#O?מYR?MۿҤT?#-#V?C8 Q?a2U0*S?N ^U?c#W?/nR?T?kHcCW?Ah:;Y?HPsR? KY?_Q[?MPT?W?t^cZ?=\r)]?h㈵T?E|'fX?1߄B\?_vO^?8*5{U?'>Y?wJ\?VCK_?_vOV? .V`Z?6Y]?Xj`?QfL2rV?t^cZ?~tgy^?Mb`?"V?겘|\[?ŏ1w-!_?70`?ǺV?@_[?;f_?C8 a?ǺV?1߄B\?Xj`?R\U]a?ǺV?[[%X\?hUM`?a?W?y&1\?7T7`?j>"Db?=mW?nS]?C8 a?HPsb?c#W? ]?"ua?Nz1c?(XQiX? <^?מYb?{Gzd?Ah:;Y?Xj`?U+c?Ϡe?-C6Z? ^)`?׆q&d?^/ f?겘|\[?+ٱa?ُae?(XQih?y&1\?lsczb?^/ f?-C6j?_vO^?x c?|~h?lxz,Cl?*g\8`?fʉve? .V`j?Ws`n?R\U]a?g?"l?p>?p?vꭁb?HPh?VCn?zަ?q?׆q&d?F%uk? ^)p?Nz1s? K"Dr?Ih˹Wu?xĬg?qo?Ps?eNw?i? rhq?UwEu?|DL$zy?1߄Bl?ds?9w?_Q{?Ws`n?Hh˹t? F%uz?~tgy~?PNp?؞Yv?>?m|?{?y):r?@x?ŏ1w-!?DQOI?Ps?{?Q?j ?UwEu?V-}?PLۿ?J8?9w?TB?{Gz?*5{?[| z?5;Nс?QfL2r? .V`?"|?jv?~jt?%7ی?.s,&6?#-R\?N? ?Q?dF ^?Oec?6?&S?1䠄?~k, ?L$zŒ? .V?kՋ?Nz?Ku?< .?:T?Έ ?"J? 0*?a? ?FZ*oG?&K?zަ??I2喖? m?{?2d?g?O`Ü?6 r?'UHI?%ǝ?VCK?*?@j'?`5!?3}ƅ?מY?+???}?1?}Y?r@H0?1ZGU?b?V-?PC?.ǥ?^c@z?%?wkF=?bg ?,}? $(~?o_?0*D?}iƢ?7l[ ?[rP´?Ciq??ܵ|?^2ᗺ?@0Gۼ?E?N?g??0du?$EdX? ?c=yX?~!<8?G`?Zwg?Ve?L~?&?[Υ?/ ҌE?Ӥt{I?&S??Op?c??'1931 Colombia TCM, UnisexA:Javier Suarez and Jose F. Rojas, 104551.43@compuserve.com %Res. 221/31 (Banking Superintendency) /TCM stands for "Tabla Colombiana de Mortalidad"  aap*g\8?mJR?T[r?ǘ?zpwn?L7A`?Q?X5;N?ek}?Ɓ?/n?d`T?PC?Έ ?=~o?£#?1%e?b?g?RD?+H3?V`??)D/?tמ?^x?VI?W!'>?W?Uj@+?Q?vöE ?&?jMS?Z?{?E|'f?{,}肚?Pkw?K?pWs?;%Ρ?UN@?fa֤?5?kC4?y]?ԕ?ʾ+?F(?PLۿ?1%e?-=?PC?"~? [?r]?&S:?<??ta?x@e?\?77',?˹W}?Xs`?3mJ? <??Nz1?Z/r]?R\U]? N]??5{?jMSt?333333???'*1934 UK A1924-29, Male+Female, Age nearestSPPrepared by Roger Scott Lumsden from data provided by Tony Hutchins, 100250,2347UUK Continuous Mortality Investigation 52 Offices experience on standard assured lives,113,411 deaths Ultimate, 4,738 deaths Select21924 to 1929 for Ultimate, 1927 to 1929 for SelectNumber of policies Ultimate graduated by Spencer's 21 term formula with adjustments at both ends Select for first duration taken as 61% of Ultimate at age 45, increasing by 0.4% each age younger to level 68.2% for ages 27 and younger and decreasing by 0.3% each year over 45. The next duration is taken as midway between the Select and Ultimate rates and the last is 60% of Ultimate plus 40% of first duration Select, at same attained ages. ^Monetary Tables A1924-29 Cambridge press, 1934 on behalf of Institute and Faculty of Actuaries This table followed Om as a standard required valuation table in many parts of the world for quite a few years, A1924-29 stands for Assured Lives  yP R\U]Q?ǺV?F%u[?~tgy^?BR?VF?X?y&1\?Xj`?a2U0*S?Y?%^?r&"`?T?F%u[?;f_?+ٱa?N ^U?"\?p>?`?;Onb?W?6Y]?J4a?3kb?*5{X? <^?+ٱa?U+c?oӟHY?q_?ƊLa?UN@c?Y?Vc#`?/nb?UN@c?-C6Z?*g\8`?/nb?UN@c?-C6Z?*g\8`?/nb?UN@c?-C6Z?*g\8`?/nb?UN@c?-C6Z?*g\8`?/nb?UN@c?-C6Z?*g\8`?/nb?UN@c?-C6Z?*g\8`?/nb?UN@c?-C6Z?*g\8`?/nb?1ZGUc?-C6Z?*g\8`?Q,b?kC8c?-C6Z?hUM`?j>"Db?"c?-C6Z?Mb`?Bb?׆q&d? .V`Z?p>?`?HPsb?Hh˹d??ŊZ? ^)`?1ZGUc?fʉve?t^cZ?J4a?x c?9]f?겘|\[?+ٱa?d?=mg?1߄B\?מYb? KtA}|?iQ?E>q?aۢy?VCK?Y4 ?&Sr?cz({?C8 ?ׁsF?Nz1t?G=D;}? a?+H3?'u? W? .V?tF_?9w?HĔH?ZM?%jjي?y?/ ҌE? F6?V-?lxz,C|?Q|a2?cz(?ezFw?:f?b֋h?%u? B?6ُ?cZB>?XeS?4?HPsׂ?ʦ?6q?q@H?j0 GĄ?;f? .V?kC4?ͪՆ? rh?9]?p%;6?= ?O}:? F6?=~oӟ?y]`7l?h㈵?$~?mJR? ?Á,`?<;k? / ?iƢd?=aM?C+j?3K?|y? ?ʦ\].?ؙB5?],σ?VC?D;)?)D/?.Q? ?EJY?JA4F?*?UގpZ?_)Ǻ?\[%X? h"lx?iƢ?9#J?1%?![='?,?!Y?5l/?m?N(D!T?JFžv?#?n燡?6?Q?q $ ? x#?OXeS?y?G`๷?fa֤?E a?:KTo?n/iֹ?4Op?9?S?d#?|G?:]? 'X?sM? ?}9?kC8?JY?̒5?׆q?%ǽ? r?s)*? )"*޸?9̗?]hH?{?cغ?([Z?ŊL?M?n??*:H??ܺ:?m2d?x]?|?5^?ݰmQf?.!u?Zd;O?h?R~R?!T?[W[?E )??QѸ?D9?s.Ue߽?[[%X? KM|?gy}?;f?.;1ŀ?n/iց?Op? .V? K$@M-?}9?&jjZ? ^)ː? -? l`q8?6ُ?%?bg ?MbX?_Ah:?yZK?St$?T7?Py?MJ?4KԲ?˹W}? N]?N?B!J?K=U?zpwn?|ݱ?9]?#Jvl?Mg'?ʾ+?,NG?Nz3? QI?e,i?h㈵?_ME?&䃞ͪ?@a+? {?JY?IOc?28J^c?`NY??ŊZ?m2[?3.\?=\r)]?_vO^? x#_?70`?na?Bb?'@jc?1%ed?ُae?QfL2rf?vӂg?E|'fh?[| j?yCnk?W!'>m?ŏ1w-!o?ǘp?+ٱq?ds?1%et?EV v?9w? o_y?}\*{?aod~?ezFw?7?'@j?YLl> ?I2?7܈?F%u?Oec?q?R\U]?"^Fܒ?Ku?+H3?*5{?b('?d*g??ߞ?ҌEɠ?g??ܵ|У?@z{?Z![=?$EdX?BL?2ZGUD?;f?Z?ʉvR~?3?ѮBO?+yp?DV?]zk`?W[Ɏ??öE 2?` ?ctv28?+H3M?:K?_xZ?^)?&pn?1?yu??'.1946-49 US SOA Basic, Male+Female, Age nearest`ARoger Scott Lumsden 75147,2620iJoint Intercompany mortality study on Standard Ordinary issues in the USA 15 companies, Duration 16+ onlyDeaths $958.8 million)1946 to 1949 policy years (3 study years)Amount of Insurance Ultimate with Whittaker-Henderson Type A, third difference, a=3 First differences held constant ages 87+ Ages 25-29 set to 47% of US 1939-41 White Males Table TSA II, pp 505-512 There were 15 year Select rates (p 506) but only for quin age groups. These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line SOA stands for Society of Actuaries  __8vꭁR?HPsR?1ZGUS?x S?MۿҤT?fʉvU?#-#V?c#W?Ah:;Y??ŊZ?3.\? ]?Xj`?R\U]a?dc?h㈵d?+eXg?_5!j?nSm?ezFwp?;Onr?6ُt?ek}v?}:3Py?1߄B|?:f?;S.?Op?h?=m?CR?Q? ?W2đ?@߾?"?f,N?"?9#?h?RDU?,`?EB[Υ? ?yCn?H.!?oꐛ?XѸ?\m?(r?N ^?oŏ?{?ni5$?#J{/L?EGr?5?ϸp $?\?:X0_?x#?Z ?yt?4Fj?,J'&1949-52 UK A1949-52, Male, Age nearestSSPrepared by Roger Scott Lumsden from paper data provided by Harry Panjer 75462,2654>CMIR Intercompany mortality study on Ordinary issues in the UK1949 to 1952 policy years qA1949-52 Tables for Assured Lives, Volume 1 Cambridge press, 1957 on behalf of Institute and Faculty of Actuaries The ultimate values go down to attained age 10 but the select start at issue age 10. Ages 8 and 9 select are unofficial, to fill the table. A1949-52 stands for Assured Lives  cP`q@HF??ŊJ?5l/R?q@HF??ŊJ?5l/R?q@HF??ŊJ?5l/R?q@HF??ŊJ?5l/R?q@HF??ŊJ?5l/R?q@HF??ŊJ?5l/R?q@HF??ŊJ?5l/R?q@HF??ŊJ?5l/R?q@HF??ŊJ?5l/R?q@HF??ŊJ?5l/R?q@HF??ŊJ?5l/R?q@HF??ŊJ?5l/R?q@HF??ŊJ?5l/R?q@HF??ŊJ?מYR?q@HF??ŊJ?מYR?q@HF??ŊJ?מYR?q@HF??ŊJ?BR?q@HF??ŊJ?BR?q@HF??ŊJ?vꭁR?q@HF?t^cJ?HPsR?q@HF?t^cJ?dS?q@HF?m2K?1ZGUS?q@HF?yCnK?a2U0*S?#-#F?_QK?׆q&T?ǺF?"L?T?kHcCG?H}M?8*5{U?c#G?~tgyN?"V?~jtH?*g\8P?*5{X?I?C8 Q?Y?t^cJ?מYR?1߄B\?K8L?3fS?!J^?ŏ1w-!O?N ^U?C8 a?r&"P?VF?X?3kb?BR?t^cZ?+~7e?{GzT?%^?c#g?"V?`?F%uk?'>Y?9]c?~tgyn?y&1\?ُae?J4q?q_?*5{h?'@js?ƊLa?k?s.Ueu?nd?aodn?E ax?QfL2rf?p?{{?HPh?sr?Q~?_Qk?ڧ1u?#bJ$?VCn?+eXw?4 ?6ُq?C4y?Q|a2?sr?{|?vӂ?t? ?[| ?Ǻv?4c?K8Ռ?Ah:;y?U+?Pc*?@_{?0*?"u?&pn~?eS.?nSr?{?|DL$z?fʉv?DQOI?1߄B?xĬ?j ?W?| ?J8?uݐ??Ɯ?Mb?B?6>W[?$([?bI?=>t?K8Ռ?^o%;?¡?1BxqĪ?N#Ed?2ı.n?!q?4F먺?sh|??9#J{?{?Z![=?([Z ?dw?}tg?QHm?HzG?\?d*g? <?=???4@?X?zCn?O0A?0Bxq?&䃞ͪ?m?5ctv2?Y9}?xN?Q?Bfj?|pG'(1951-56 US ADB Experience, Nearest, MaleARoger Scott Lumsden 75147,2620rSOA Intercompany Accidental Death Mortality Study, experience of 10 of 17 companies who could provide sex distinctAExposure of $81.4 billion, claims of $28.8 million (8,345 claims)!1951 to 1956 policy anniversariesAmounts of Insurance Raw ratios of Male only to M+F table calculated, then smoothed. Ages 15-65 by Whittaker A with z=3, a=3 Ages 1-14 by graphic technique, to 1.10 ratio at age 1 Ages 66-84 linear to 1.00 tatio at age 84. Ages 84+ ratio as 1.00 Ratios now applied to 1951-56 graduated table. TSA 1958 Reports, pp 45-78 }Experience table underlying 1959 ADB table. I'm not sure where the extension to age zero came from. There was not enough data for a Female only table. Overall, female experienced 41% of Male ADB rates, varying quite a lot by age. These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  dd(/nB?k*.>?yxρ9?JΉ=5?8j33?¾D1?!>@0?mO.?!J.?k*..?D?En1??*g\8@?_ @?;Pb?s?yCn;?ꫫ8?#-#6?@fg;5?(@4?a2U0*3?bD3?d3?Q+2?d?H2?d?H2?d?H2?Q+2?,am2?ͮ{+3?8j33?1ZGU3?t|8c3?x 3?ro~D4?$xC5?&:,B5?y76?56?pY7?kHcC7?3jJ>v7?AA)Z7?d< 8? ĭ8?f.py9?9?Ÿ:?_Q;?&z?iUMu??_s@?]/MA?Udt@B?IaLC?=ԶaD?]E~E?5F?c#G?8CI?}EJ?]2L?En1O?(֩=#Q?'S?ϠU?nHJzX?ҏS[?31]_? I'b? d?OYM]g?$xCj?_>Y1\m?!9Up?9FGr?H's?tau?nx?]z?|?Um77M?0H?i?&?,g~? w(?[#qp? fL?&?Q?k'&1952 US Disability Benefit 4, Age Last ARoger Scott Lumsden 75147,2620SOA Intercompany studies1930 to 1950 anniversaries TSA 1952 Reports, pp 70-180 TSA, Vol 13, pp 623 Monetary Tables for Disability Benefits based on 1952 Disability Study - Period 2 conbined with 1958 CCO Published by SOA, 1962 Annual rates of Disablement by Attained Age Derived from Age Nearest by averaging with next higher age This is Benefit 4, Period 2, 6 Months Waiting Period Have not been proofread. If you find any errors please report them to Actuaries On Line  ;;h4 a?4 a?4 a?4 a?4 a?4 a?4 a?4 a?4 a?4 a?4 a?4 a?4 a?ek}a?}"Ob?UN@c?ׁsFd?ُae?o\f?IZg?( 0i?9vj?3.l?yn?2U0*p?X5;Nq?46?hyܝ? ?ʦ\?'@j?.n?V`?he?/(w')1952 US Disability Benefit 4, Age Nearest ARoger Scott Lumsden 75147,2620SOA Intercompany studies1930 to 1950 anniversaries TSA 1952 Reports, pp 70-180 TSA, Vol 13, pp 623 Monetary Tables for Disability Benefits based on 1952 Disability Study - Period 2 conbined with 1958 CCO Published by SOA, 1962 Annual rates of Disablement by Attained Age This is Benefit 4, Period 2, 6 Months Waiting Period Have not been proofread. If you find any errors please report them to Actuaries On Line  <<p4 a?4 a?4 a?4 a?4 a?4 a?4 a?4 a?4 a?4 a?4 a?4 a?4 a?4 a?]a?lsczb?"c?d?N ^e?eS.g?|~h?i?겘|\k?wJl?\4 o?7T7p?zަ?q?kC8s?BBu?w?( 0y?$]3f{?%}?Vc#? ?d? p?dF ^?_5!? QI?iƢd?d`T?UMu??F 2ș??^I'&1952 US Disability Benefit 5, Age Last ARoger Scott Lumsden 75147,2620SOA Intercompany studies1930 to 1950 anniversaries TSA 1952 Reports, pp 70-180 TSA, Vol 13, pp 614-624 Monetary Tables for Disability Benefits based on 1952 Disability Study - Period 2 conbined with 1958 CCO Published by SOA, 1962 Annual rates of Disablement by Attained Age Derived from Age Nearest by averaging with next higher age This is Benefit 5, Period 2, 6 Months Waiting Period Have not been proofread. If you find any errors please report them to Actuaries On Line  @@C8 A?C8 A?C8 A?C8 A?C8 A?C8 A?C8 A?C8 A?C8 A?C8 A?C8 A?C8 A?BB?_LE?G?I?_QK?H}M?!JN?XjP?p>?P?P?R\U]Q?Q?5l/R? aR?9]S?Nz1S?nT?Hh˹T?ϠU?QfL2rV?vӂW?E|'fX?_5!Z?%]3f[?W!'>]?\4 _?ezFw`?na?+b?׆q&d?'e?*5{h?t^cj?aodn?4cq?j t?kHcCw?ϛT{?X9v?ߦ?"?׆q&?%P?cbqm?ypwn?m?g\8?K;?1|DL$?A|')1952 US Disability Benefit 5, Age Nearest ARoger Scott Lumsden 75147,2620SOA Intercompany studies1930 to 1950 anniversaries TSA 1952 Reports, pp 70-180 TSA, Vol 13, pp 614-624 Monetary Tables for Disability Benefits based on 1952 Disability Study - Period 2 conbined with 1958 CCO Published by SOA, 1962 Annual rates of Disablement by Attained Age This is Benefit 5, Period 2, 6 Months Waiting Period Have not been proofread. If you find any errors please report them to Actuaries On Line  AAC8 A?C8 A?C8 A?C8 A?C8 A?C8 A?C8 A?C8 A?C8 A?C8 A?C8 A?C8 A?C8 A?x C?#-#F? WH?t^cJ?K8L?%N?iUMuO?MbP?70P?J4Q?nQ?/nR?מYR?HPsR?1ZGUS?3fS?MPT?/"U?N ^U?ǺV?*5{X?a+eY?t^cZ?[[%X\?%^?q_?`?Q,b?1ZGUc?h㈵d?^/ f?}:3Pi?>?ml?vq -p? ar?/$u?aۢy?=\r)}?a)?]3f?Q|a2?=m??B>٬?xZ?V ?9m4?)"*Ȝ?ݲ͈'.1955-60 US SOA Basic, Male+Female, Age nearestaARoger Scott Lumsden 75147,2620iJoint Intercompany mortality study on Standard Ordinary issues in the USA 16 companies, Duration 16+ onlyDeaths $2,909.2 million)1955 to 1960 policy years (5 study years)Amount of Insurance wUltimate with Whittaker-Henderson Type A, second difference, a=1 and a=2 Ages under 32 used a=2 values, others used a=1 TSA 1962 Reports, pp 44-58 There were 15 year Select rates (p 46) but only for quin age groups. These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line SOA stands for Society of Actuaries  __x C?q@HF?VF?H??ŊJ?3.L?H}M?!JN?ŏ1w-!O?iUMuO?XjP?MbP?70P?C8 Q?J4Q?J4Q?R\U]Q?nQ?/nR?dS?x S?fʉvU?kHcCW?oӟHY?yCn[?_vO^?`?9]c?fʉve? 0*h?k?Ws`n?~oӟHq?'@js?UwEu?(XQix?9]{?gy}?-l?g\8?2Y؃?ԅ??Tގp?=\r)?q@H?5o?2y?Af?9m4?C?3.?mIFž?x]?m4?P?K?$S?4R?<;?%1 {?scz?rZ| ?F%u?Lƴ?%;6?~T¸?FB[Υ?ua?ȓk&?$EdX?d?d]K?Hh˹?HK?Op?{?+H3M?_{fI? ?vN#?4Op?7'1955-69 Colombia TCMA, UnisexA:Javier Suarez and Jose F. Rojas, 104551.43@compuserve.com6 life insurance companies 1955 to 1969Number of lives Graduated using King &Res. 3025/71 (Banking Superintendency) YAdopted for insurances TCMA stands for "Tabla Colombiana de Mortalidad de los Asegurados"  hhdc?UN@c?Nz1c?Pc?@j';d?6ُd?ZӼd?+~7e?8*5{e?N ^e?q@Hf?^/ f?xĬg? Wh?&Kj?1߄Bl?uim?.s,&6o?hUMp?bp?n2dq? ar?3fs?BBu?Ǻv?@x?t^cz? QI}?N`?ek}?9]?x@ل?ͪՆ?}ƅ!?6?*t^c?S:X?%ǝ?ׁsF?.Ǖ?,eX?.?%ǝ? Y9?QI?Υ컢?hn?7ܨ?%̴++?c=yX?lC8?r鷯?4k? <?QQ?ŏ1w-?y?y;i?M?%ǝ?pZ?n?nLOX?9dw?/$?f-?C6?;%?K;?=U?=Ͻ?p|%?a_Yi?^c@z?Ր?^o%;?镲?٬\?H`?}"O?M(?M??7'&1956 Texas Chamberlain Lapse, Age nextSIPrepared by Roger Scott Lumsden from data provided by Bob Gove 73234,2651Study of all 285 Texas Burial Associations, by Tom Chamberlain, commissioned by Texas Burial Rate Board Lives are of "industrial" type. No medical exam, just statement of good health. No rated business involved.2Exposures 3 million lfe years, Lapses 317 thousand1953 to 1955 calender yearsHNumber of Lives, but nearly all policies were same size anyway ($150 US) ,The information supplied was: (a) Number of policies issued by age during each year of 1953-55 (b) Number of policies outstanding by age and duration (1-5 plus ult) on Dec 31 each year of 1953-55 (c) Number of policies lapsed or death claims by age and duration (1-5 plus ult) each year of 1953-55 Pivotal values were obtained in 5 year intervals for younger and higer ages and at 7 year age intervals for the middle ages. Cubic and quartic curves were fitted to obtain individual ages. Elderton's method of blending to bridge gaps between the polynomials. Edistributed by "Texas Association of Mutual Life Insurance Officials" AThe table should be used in conjunction with the Chamberlain Death table so add lapses and deaths to get total decrement. Rates are by calender year, not policy year so duration 1 is from the middle of duration 1 Formula is unusual. I recommend you talk to Bob Gove before using this table, he has a program that does it.  id1˞6?8IǴ6? If?q4GV~?Yh9?F?K?b.n?Zd;??1е/?yt䛵?QI&?.?捓¼?Hh˹?I2喺?)?x? ?_g?1?74e?dJ?Hߠ?X)k{?p!?_>Y1\?Jwِ?elf?"tuǺ?%W@?խ?O?-$`ty?rf?O;5Y?tޱ?\1е/??G9Ma?cK?&@?Wt5?Co?|a2U0?V@I?1}!8.?%8?m~?l ?N?iܛ0?f(7?lp揹?衶 ?V?$?# ?X?0̕A?&jjZ?d~?(eRC?pY?}!8.???%Z?"HV?[#qp?|҉S?yUg?oӭ?26?*C3?x҆?n|b?4}v?No+?G`?+WY?f(ϼ?×"?h4 ;?~K?v|?Za?JH?4`?u.?ED1y?ףp= ?K\Ǹ?խ?(.|?Y5ѷ?2;ީ?ɨ2?%䃞?r-Z?XPi?BZc ?S?Av?}гY? m?JiWV? t? ϛ? >ɋ?1?74e?QF\?lxz,C?8KrJ??Te?G?%:?Pl?#?4s륩?@0`U?{flt?~1[*?иp $ ?EF$a߶?{iw?)H?] e?N#~?U?Q¶?p1=a?"Mw׽??3?*t.? HtA}?A$C?dZZ?~@?q>s?}"O?=+d?(yu?a7?7?9?MP??zȔAմ? q4?o?A ?ʦ\?nN%@? !?O:7m?`>?]~p?t??N0?E-ͭV?Fa ? c A?epu?A"LQ?+ ƈD?PN? NҬ??3?z'L? ?_Q? yDZ?4?^}tʗ?1 n?#t?PdV?a?Ln?{Ic?k)?75?IrS?_{fI? B?l\Ϝ?À%?y7?:R?P0AC?AJn?ѭ?-|}K?Zc!:?&VF#W?f?K⬈?u?QF\?]?)Rb?wb֋?"]?gْ? x|?*p?r75|?}?O6֦?@)V ?E{?nf?N ^?7',? ?6XO?ơ~??t 4ش?\?y0H?y=?rSr?[Y?(>?Z?^EF? ?@ZkB?-t%?ih?q89@?#[A?Ŏ?K|%?n!a?7ݲCò?ʿW?J m6 ?>?y?w ?PT6,?=-?r@H0?>s֧?N\W ?o?%zۡ?2q ?DgE?%?6?E| V?Wf"?Q? k*ž?;]؊?'1Z???}8H?:?>Z1 ?6w\?q̲'?R hE?,s?m ˟o?!?nJ?{,G?&fe?PoFWɯ?\JH?fS9?uRz?-II?f W?4a? Q? ?Jy?6^?F!?F жu?镲?Su8J?Mg\?UHI?P?vLݭ?'dm?[[x^*6?=@̆?D-ͭ?vhX?yZK?Sb.?ٕzO?ˆ}(F?.o?|G?5w? 7?<?L4HSȅ?0EH?ڦx\?P293?Ry9쾣?}ߓ?uO?&v-?KK1?죫?~E}?Oi?F;n݄?1=a? / ?0q ?4/.Ui?&kC4?Ƣdp?l?x>?.?2p@?gej? ,)?||.?;%?78?>V?%?2|?횐t?UPQ+?uU?[vآ?;6~?U+?[B>٬?E/Xni?.Ue?ّ?|~?JH? ?3g}1?'G?Y8?A,9$?„Ѭl?W>?(\?zm(?ȡ?QF\?rZ| ?.̞?`x%s}?~:??N0e?f/N[?4`?U3?!6?(,)w?7ZDT?b1良?SrN족?ihs۔?Q\mO?g?E_?ir1q?TUh ͌?Yk(q?c?st?$Di}?jMS?}(?4f?wh'/1956 Texas Chamberlain, Male & Female, Age next4SIPrepared by Roger Scott Lumsden from data provided by Bob Gove 73234,2651Study of all 285 Texas Burial Associations, by Tom Chamberlain, commissioned by Texas Burial Rate Board Lives are of "industrial" type. No medical exam, just statement of good health. No rated business involved.1Exposures 3 million lfe years, Deaths 33 thousand1953 to 1955 calender yearsHNumber of Lives, but nearly all policies were same size anyway ($150 US) !The information supplied was: (a) Number of policies issued by age during each year of 1953-55 (b) Number of policies outstanding by age and duration (1-5 plus ult) on Dec 31 each year of 1953-55 (c) Number of policies lapsed or death claims by age and duration (1-5 plus ult) each year of 1953-55 Ultimate Mortality graduated by Whittaker A, z=2, h=60 Select to Ultimate ratios graduated by Whittaker A, z=2, h=60 The ratios were further smoothed by Whittaker-Henderson's mechanico-graphical method. Date was extended from 90 to 105 by cubic. Edistributed by "Texas Association of Mutual Life Insurance Officials" FThe table should be used in conjunction with the Chamberlain Withdrawal table so add lapses and deaths to get total decrement. Rates are by calender year, not policy year so duration 1 is from the middle of duration 1 Formula is unusual. I recommend you talk to Bob Gove before using this table, he has a program that does it.  idɌ^k?fI-d?y):b?W^?y'LX?@CR?6w\F?Vc#`?Ap-^?Y? XrT?{gUIdO?AC?k6\?ŸZ?^/ V?gejR?K?H[@? WX?IZW?. LT?| ^P?~jtH?pDkY1\M?صݒL?%.?"L?)O?D?t|8cS?"nN%@U?fʉvU?ϠU?U?;P]?/$\?]/MQ?{\?k*.^?҈}^?CO}:^? ]?`s MR?y]?~Ϛ_?(ȯ_?M.:_?iUMu_?9yYS?W^?Mb`?X`?&5`?D-ͭ`? LnT?W:_?Da? 8@da?*3a?VFa?TsPU?3/`?a?;Onb?x1!b?Crcc?"V?b`?Cb?mrc?H_d?Fҿ$e?X9X?t>+Nv?lFd?4 s?ΤMu?q>sv?kw?b=yx?uR_f?bt?X˝`8w?W$&[x?DJy?.v2Sz?9g?Ƈ˶v?7-:y?A9w^z?"ĕwF{?ĐL|?Lpvki?Z x?LN S{?HV |?qj}?ip[[x~??Ik??4z?ߌ}? W~?X9v?-l?(8'0m?ZӼ}?O@?ti?x&?ɐc?쉮 ?8o?Um77M?XuV 1?En?b!?I'L5? .p?]ڀ?b!?9}=_?磌?R{mDŽ?tLhXr?Z'&?e?!? Q?Û?HSȕz?Ipt?@߾?ݱ&??Mg\?aMeQ?P3u?:6?bLL?a4o? vöE?{S?nIx?+2: ?%xC8?sCSv?^??ܵ?d!:z?j4?Uik|&?ER?09\?Qy9? m6 B|?'?? 8Kr?/ܹ0ҋ?ۆQ'I׬?@OI?Ͽ]N? ?,AF?9τ&?-II?wF[?'K?sE?4BX?$#gaO?W>?WuV ?[{C?0 휲?J\Ǹ?dJ?y7RH?HLP?W?N`?=>?dϞ$?狽_?Y&ʴ?G 6u?|DL$z?̚X+?W?ׇF0?v>X?ǃ-v?R] ?M?x'?1闈?R)v4?lM?O8?C?$9Ϥ?ME ;?,s? ]lZ)?? غ?×"?g?@m?V-?˶ֈ?Ac&Q/?H+?t(CUL?ti?e?l/ھ?㊋r?֍wGƪ?$>w? =N?RHڍ>?.?n-?)??u=u?v稣?N} yP?_9?Rx캯? ?UX6s?7[ A?w1!?aw}?XC?Yک`?0K;5?^d~$?[Ɏ@?IDA??J`s ?i ?gI-L?\?%j?'?k^ z?%?;]?7? ? (zc?sLh?<|?|y?"nN%?466?:f?_% ?ǃ-v?zO?J\Ǹ?&H?@P?vQ`?fa? ; ?RGȮ?W?K?cՐ?GY.?}u?m:Y?N?mp"?r„Ѭ?7l[ ?A Cǎ?fffff?`q?:q9?p?G?R?`Y?SYh? s69?fc%?K>?RQ??P?ο]?; >? ƈD!?߉Y/??@@w?jL?^}t?"^F?*??:Cp'1956 US x-17, Age Nearest, Male8ARoger Scott Lumsden 75147,2620SOA mortality studies experience on 15 company's standard medical insured lives excluding durations 1-5, and Korean War deaths.5Exposures of $170 billion, Deaths of $1,987 million. 1950 to 1954 (4 study years)Amounts of insurance >Rates assigned to quinquennial pivot points. Age 27 tweaked manually to remove dip. Ages under 20 analysed in special sepate study of 4 large companies. Next, margins were added to pivot points and interpolated by Jenkins 5th difference modified osculatory interpolation. Ages 93-99 bridged by third differences to 1.0 TSA VIII, p 524 iFirst proposed version of 1958 CSO Subsequently, the margins in X-17 were increased and 1958 CSO created.  cc {|?F%u[?/"U?R\U]Q?H}M?-C6J?c#G?N ^E?MۿҤD?x C?a2U0*C?MPD?N ^E?~jtH?"L?MbP?BR?{GzT?N ^U?W?c#W?(XQiX? WX?Ah:;Y?Y?[| Z??ŊZ?m2[?_Q[?K8\?6Y]? <^?Xj`?70`?na?;Onb?Nz1c?h㈵d?mf?E|'fh?F%uk?H}m? Wp?nq?Έ s?Hh˹t?o\v?~jtx?<,z?nS}?Xj?"u?1ZGU?LI?8*5{E?dC?C8 A?!J>?3.9?3.?70@?/nB?x C?N ^E?~jtH??ŊJ?_QK?"L?=\r)M?H}M?%N?~tgyN?ŏ1w-!O?XjP?MbP?C8 Q?+ٱQ?BR?1ZGUS?MPT?8*5{U?W?oӟHY?yCn[?O;5Y^?J4a?1ZGUc?8*5{e? 0*h?t^cj?uim?ezFwp?y):r?׆q&t?9]v?5)^x?yCn{?2%~?SgЀ?Py?MP?JiW?Է鲘?9]?\ Ac̍?@_??"?8*5{?&†?B`"ۙ?ٔ+E?s ^?M?Y4 ?<1PN?fj+?3.?&1?`ME*?OXeS?|a2U?`TR'?"?IQ,?`Y?"V?9̗W?~jtX?[| Z?W?*5{X?oӟHY?t^cZ?9̗W?~jtX?Y?_Q[?*5{X?a+eY?Q,Z?wJ\? WX?-C6Z?_Q[?~tgy^?Y?m2[?wJ\?Vc#`??ŊZ?3.\?~tgy^?J4a?yCn[?H}]?Vc#`?;Onb?y&1\? <^?4 a?x c? ]?hUM`?j>"Db? K e? Wh? p?'@jc?mf?m2k??RDUq?MۿҤd?(XQih?dm?խs?EV f? .V`j?*g\8p?UwEu?vӂg?{l??RDUq?иp $ x?ض(A&i? }?wR~R?<,Ԋ?N@aÓ?j?g?RD?`5!?g?RD?ڀ?kHcC?9@0G?=m?r?}ƅ!??m?`|?2y?cz(?Y4 ?Օ?P?%?Y?Ah:;I?p>?P? 8? ?s?y \?"?G|?DRZ?eu7?Vn/?EB?dCԷ?]?~ ? c AJ? ?Ԛ??b'1957 Colombia TCMA, UnisexA:Javier Suarez and Jose F. Rojas, 104551.43@compuserve.com5 life insurance companies 1940 to 1954Number of lives XParabolic Graduation for ages 0-22 King for ages 22-65 Parabolic Graduation for ages 65+ %Res. 129/59 (Banking Superintendency) Originally adopted for insurances and annuities. In 1967, a different table (1962 Colombia TCMR) was adopted for annuities. TCMA stands for "Tabla Colombiana de Mortalidad de los Asegurados"  cc ^T?:␝?\vғ?p@KW?y7RHz?$ xu?ٕq?&zl?a4oh?a>d?Wb?1zn+a?jP`?V%}`?70`?ޭ,Yfa?@Cb?شRb?Sr/0+d?$pte?؞Yf?g?O唀h?ض(A&i?1䠄i?~ IJi?獓¼i?Vj?k? -m?I`sn?x7N n?~mo?fdp? N} yp?iP4`q?⬈q?Pmpr?1ZGUs?\Y"t?óu?Q0c v?ƒfw? 'ix?M#~z?ŪA۽|?)s~?ǘ? zo ?x'ۂ?e7i?^K=?3jJ>v?'?)F?z0)>?Yf?F=Ӟ?5[y?=ꯗ?˛õ?{h+?j躠?Qj/혢?wb֋?Ŧ? L?NGɫ?]?kyz۰?a[>?^ zo?.no?tѐ(?piݺ?I<+J?6ٿ?&{G?O8?w*2??{/h?\u?!u?dp?:?GߤiP?^a?D?m|? <~?C8 ?HPsׂ?'"?I +?Է鲈?cz(?<,Ԛ?T[r?nS?MJ? ?RQ?-s? ui?6 r?&pn?m2d?m2?I.!?c]Kȧ?`7l[?@H0?%ǭ?*g\8??)A&9?*?D?(yu?[%X?d]K?_v?HzG?Gŧ?!=?VHIO?e-?@ŊL?e?bg ?L$z?wg?:KT?]P2?6 '%1958-64 Canada CIA Basic Female, LastSRoger Scott Lumsden 75147,2620FCIA Intercompany mortality study on Standard Ordinary issues in Canada1958 to 1964 policy years @C.I.A. Report, Feb 1967, Appendix B - Mortality Committee Report Female values were originally published Ultimate only. I found this file of select values, but don't know the source - Ultimate agrees. Table has not been proofread. If you find any errors please report them to Actuaries On Line CIA stands for Canadian Institute of Actuaries  iF@t[?>+NF?8B?ǜgK6>?RT:?X|[T7?>+NF?8B?ǜgK6>?RT:?X|[T7?o +5?8B?ǜgK6>?RT:?X|[T7?o +5?bD3?ǜgK6>?RT:?X|[T7?o +5?bD3?+ٱ1?RT:?X|[T7?o +5?bD3?+ٱ1?ӹ0?X|[T7?o +5?bD3?+ٱ1?ӹ0?Z H/?o +5?bD3?+ٱ1?ӹ0?Z H/?`/?bD3?+ٱ1?ӹ0?Z H/?`/?3ۃ0?+ٱ1?ӹ0?Z H/?`/?3ۃ0?¾D1?ӹ0?Z H/?`/?3ۃ0?¾D1?Q+2?Z H/?`/?3ۃ0?¾D1?Q+2?(@4?`/?3ۃ0?¾D1?Q+2?(@4? 5?3ۃ0?¾D1?Q+2?(@4? 5?kHcC7?¾D1?Q+2?(@4? 5?kHcC7?)q8?Q+2?(@4? 5?kHcC7?)q8?Ah:;9?(@4? 5?kHcC7?)q8?Ah:;9?u69? 5?kHcC7?)q8?Ah:;9?u69?'>9?kHcC7?)q8?Ah:;9?u69?'>9?Tqs*9?)q8?Ah:;9?u69?'>9?Tqs*9?ꫫ8?V횐8?/PR`L9?W\9?Tqs*9?ꫫ8?)q8?DXP8?4 ;8?ꫫ8?ꫫ8? ĭ8? W8?FSwe7?AA)Z7?v7? ĭ8? W8??{&:?y76?56?! _B7? W8??{&:?3OY1\=?x #A?obHN&nE?a+eI?p[uM?aP?3/@?ZQfC?G?=E~K?ŏ1w-!O?o'Q?+ٱA?  RD?4 ;H?صݒL?MbP?מYR?'C?vA]PF?d!:J?x!N? fhN?A Q?o +U?.X?!9U`?VbK?kDP?UN@S?ǺV?K[?JCBb?dM?P6 rQ? XrT?oӟHY?zm(^?Ku/3ld?`O?6:R?g|_\V?.c}[?3ۃ`?7ݲCf?$@Q?D6.6T?[X7Y?W^?Q,b?K?2i?}֤R?zƾdV?[?7T7`?Iطc?2k?.T?yxρY?0DK^?Uh b?Je?^6S!n?GV?S!uq[?V%}`?}!c?ek}f?PۆQp?? Y?<,Ԛ]?5;Na?3R臭d?ۼqRh?|ԛq?#G[?<-?p'`?'c?mUYf?W9i?#=r?p[u]?uʣaQa?]`7l[d?X5sg?#tubk?BѪtt?D<_?2: vb?8*5{e?Tqs*i?Lm?2wv?{V`?2|c? Įf?Q,j?@gҦn?mw?Tb.a?a>d?:YXh?Rhl?V%}p?>Z1 z?1b?ff?1i?'Sn?XCq?PW\|?׆q&d?*Ŏơ~g?Sk?Fu:p?oJyr?[y~?$pte?zi?wm? rhq?xy:Wt? N} y?_f?0{vj?Po?@شr?Mg'u??߆h?l\l?} ^q?p$t?Hw?YLQ?j=&Rj?Tn? @t_r?ګu?[y?V_?!>Ml?辜ٮp? (s?߃w?x{?v1W?v-up?kC8s?&OYMw?\{?s/x?:T?AGZq??,u?9(a_y?D.lV~?/n?}Yکܐ? [s?{w? nl{?6?be4yŃ?[Y̒?)u?.s/y?:T~? y7?UwE?:tzލ?iI w? {?ti?5_% ?zR&5?1c?GS=y?RG~?;pGR? ?M~N?r?%{?<.?@j';?l@?Yڊ??Ot ~?gej?'dml?-@?v-u?>?25 ހ?XPi?6\䞮?:X0_?.lV^?w? |(т?Ƈ˶ӆ?D?{?Q?uXᖏ??$ID?!*C?0H?E ?C?I ?7xͫ:?OȒ?Mb?y8鴾?_;?&(=?)?;6~?jJG? `-?;3?Vf\?#GG???ę_?px0?2kMG?b'֩?V'g?y Ho?hH?{V?vN#??c@m'(1958-64 Canada CIA Basic Female, NearestSRoger Scott Lumsden 75147,2620FCIA Intercompany mortality study on Standard Ordinary issues in Canada1958 to 1964 policy years @C.I.A. Report, Feb 1967, Appendix B - Mortality Committee Report Female values were originally published Ultimate only. I found this file of select values, but don't know the source - Ultimate agrees. Table has not been proofread. If you find any errors please report them to Actuaries On Line CIA stands for Canadian Institute of Actuaries  iF@ُae?W\I?u D?O!WY@?*ø;?)q8?W\I?u D?O!WY@?*ø;?)q8?30&6?u D?O!WY@?*ø;?)q8?30&6?+4?O!WY@?*ø;?)q8?30&6?+4?מY2?*ø;?)q8?30&6?+4?מY2?VL0?)q8?30&6?+4?מY2?VL0?Fn10?30&6?+4?מY2?VL0?Fn10?D9?| 5?#-#6?v7?.8?'>9?.9?#-#6?v7?.8?'>9?.9?W\9?v7?.8?'>9?.9?W\9? W8?.8?'>9?.9?W\9? W8?)q8?ꫫ8?f.py9?f.py9? W8?)q8? ĭ8?v7?i;.8?1]a8?)q8? ĭ8?/PR`L9?Nwx6?};l"37?17? ĭ8?/PR`L9?Oʤ6;?JΉ=5?y76?3jJ>v7?/PR`L9?Oʤ6;?[a/=?=Զa4?&:,B5?c#7?Oʤ6;?[a/=?D-ͭ@?A3?k$ 5?Ah:;9?[a/=?D-ͭ@?6:B?*T73??6?'eRC;?ӹ@?6:B?V_]E?'4?ꫫ8?%>? 8KrB?V_]E?SKG?6w\6?W\T;?H[@?ro~DD?SKG? .V`J? W8?~tgy>?vꭁB?-;F? .V`J?f(ϼL?rQ-";?_ @?hN?D? ĭH?صݒL? ?IB?vA]PF?GJ?_vON?ӹP?VL@?<+i7D?SKG?_QK?O?h8enQ?gejB?/ިE?W\I?nSM? ^)P?#=R?FCƣTC?ǺF?Q,J?]N?mQ?. LT?  RD?i;.H?| L?*g\8P? aR?T:U?"~ F?duI?&P"M?: vQ?臭S?3jJ>vW?};l"3G?M#~J?4aO?@CR?t_T?duY?(XQiH? :!t%L?wِfP?9]S?n/V?ҏS[?.I?RH2wM?cD(bQ?T]T?76;R}W?VC^?4`K?`x%s}O?R?N ^U?N"¿Z? fh"Dr?G仔d\?$`?  c?)1 g?CYZj?_=[s?k*.^?Tb.a?lFd?a4oh?L0l?@fg;u? ES`?S[ c?r#Df?1i?S.m?|,}v?R\U]a?Nz1d?g?bdUk?lTOo?r}x?~[~lb?4`ie?zi?yQm?в q?LT#{?͋c?zƾdf?-j? Wo? IJCr?vLݕ}?j0 Gd?VF?h?صݒl? ^)p?"s?!&?<$f?='o|i? x'n?섗r?Ju?u?xĬg?rQ-"k?T[rp?LOXes?T gv?Vf\?VJci?-sm?,̰q?ENt?E ax?xԘsI?øDkEk?'Hlwp?4 s?-;v?M~Nz?oax?HJzZm?)TPq?iWVt?K$wx?Z_$|?`?t(CULo?4r?'*Tv?psz?8~?2z?1{vq?EИIt?WIx?wJ|?tY5?>,?(#.r?D-ͭv?B&9 {z??gق?m;mƑ?o}U.t? Lnx?U|?8Mp]?,)?^, ד?jtv?j=&Rz?<FzQ?ZD?_E І? 9?*5{x?%7|?4wo?qi?}R8?ܼqR?d7iz?~R8?qR8?N&n@?mRX? 9!?0s }?f}?yC? o_Ή?2#?jeŸ??GP [?+m?I?X|^?T-?LNϻ?,g~?I?p4(?ݰmQf?M#E?piݦ?LNϻ?'.?׆q&?i ?e?ՏM#?3k?D2غ??o*Ral?v ?=^H?$@?TJó?]p?7+1J?˃9D?;_?7T7?S?*T7?ah?#iO?%;6?m3?4?O?0:9? Yپ? ND??ʵt#'#1958-64 Canada CIA Basic Male, LastSRoger Scott Lumsden 75147,2620FCIA Intercompany mortality study on Standard Ordinary issues in Canada1958 to 1964 policy years @C.I.A. Report, Feb 1967, Appendix B - Mortality Committee Report Table has not been proofread. If you find any errors please report them to Actuaries On Line CIA stands for Canadian Institute of Actuaries  iF@>a?GW:K?NwxF?a2U0*C?¾DA???GW:K?NwxF?a2U0*C?¾DA???i:=?NwxF?a2U0*C?¾DA???i:=?d7i:?a2U0*C?¾DA???i:=?d7i:?! _B7?¾DA???i:=?d7i:?! _B7?8*5{5???i:=?d7i:?! _B7?8*5{5?$xC5?i:=?d7i:?! _B7?8*5{5?$xC5?8*5{5?d7i:?! _B7?8*5{5?$xC5?8*5{5?ŭ7?! _B7?8*5{5?$xC5?8*5{5?ŭ7?() I?#fF?J?h9CmK?8fٓL?NM?[a/M?c#G?V횐H?d7iJ?صݒL?[a/M?ِfO?5F?c#G?d!:J?]2L?ِfO?3ۃP? E?9̗G?6Ko.J? @M?3ۃP?Q?]E~E?AA)ZG?boJ?mON?;P^?;Onb?}f?W\Tk?կt>?E>'Iw?|?^?8n?ʾ+?镒?4KԲ?.4i?;ŪA?ʦ?+I?r)?.eO?"/?NZ7?Hm?TG?OZ}?NE*-?k$ ?G?j{?E?ʣaQ?֪]Қ?WCK?G 6u?m3?mɪ7?E|'f?f(ϼ?jQ?wcAa?H5?\qqTn?c${?%ɞ?屮?0Bx?/6?jdrjg? [?xZ?+]?^ ?LQԙ?hbE? ?س25?fd?ͰQo&?!sePmp?&9 {?5A}R?줾,?VSb?ne? ?x@?"4?7d?E+B? cZ?m4?QfL2r?ퟧ?;k]h?eF ^?5?b7W?%??{?崧??j7'&1958-64 Canada CIA Basic Male, NearestSRoger Scott Lumsden 75147,2620FCIA Intercompany mortality study on Standard Ordinary issues in Canada1958 to 1964 policy years @C.I.A. Report, Feb 1967, Appendix B - Mortality Committee Report Table has not been proofread. If you find any errors please report them to Actuaries On Line CIA stands for Canadian Institute of Actuaries  iF@pnk?6YM?4 ;H?  RD?VSbB?&5@?6YM?4 ;H?  RD?VSbB?&5@?Y+>?4 ;H?  RD?VSbB?&5@?Y+>?Mn;?  RD?VSbB?&5@?Y+>?Mn;? W8?VSbB?&5@?Y+>?Mn;? W8?30&6?&5@?Y+>?Mn;? W8?30&6?o +5?Y+>?Mn;? W8?30&6?o +5?h㈵4?Mn;? W8?30&6?o +5?h㈵4?q@H6? W8?30&6?o +5?h㈵4?q@H6? Om9?30&6?o +5?h㈵4?q@H6? Om9?F̱>?o +5?h㈵4?q@H6? Om9?F̱>?Os"C?h㈵4?q@H6? Om9?F̱>?Os"C?=mG?q@H6? Om9?F̱>?Os"C?=mG?1߄BL? Om9?F̱>?Os"C?=mG?1߄BL?`O?F̱>?Os"C?=mG?1߄BL?`O? fhVP?>VP?ӹP?iUMuO?UZ N? [O?;fO?PO?iUMuO?UZ N?x!M?wJL?nSM?H'M?UZ N?x!M?K8L?MqJ?=E~K?| L?x!M?K8L?,?2M?ޏ/H? OmI?M#~J?VL?,?2M?ǜgK6N?};l"3G?VF?H?[| J?"L?ǜgK6N?O?_vOF?1е/G?vk I?wJL?O?: vQ?TsPE?! _BG?d7iJ?x!N?: vQ?g,{R?obHN&nE?G?h9CmK?+,O?VSbR?\Y"T? E?V횐H?A ]L?+SP?Ժ jS?`eM,U?e3F?6Ko.J?4LmN?Q,R?G 6uU?SKW?ŭG?_QK?bFx{P?ZQfS?#-#V?d!:Z?a+eI?-sM?uQ?.T?^(`;X?ltOq\?GW:K?Z HO?6:R?De?V?[| Z? W_?=\r)M?(֩=#Q?(@T?c#W?u):\?cD(ba?W:O?מYR?T:U?ɐcY?!J^?'@jc?efbP?O'S?W?bc^G\?&pn`?x$^e?8ӅXQ?ُaU?I%rY?ِf_?4ތb?uRzh?kC8S?X|[TW?bc^G\?a)a?Hh˹d?0h!k?64DU?u6Y?%Ί>_?r c?iI g?{gUIdo?OYM]W?3O\?ْUa?sѐ(e?i?uq?W9Y?{h_?bDc?vӂg?E| Vl?"s?V\?c wa?4`ie?"8.j? x'o?ȔAu?`_?iq0'hc?dg?anrl?Mjhq?[[%x?+ٱa?ze?֩=#j?~@o?Clpr?B&9 {z?t|8cc?1е/g?Pkwl?_ p?=us?Uܸ|?^e? o_i?n?E&Hr?m½2ou?D.8?6S!g?;s k?ϣp?s?Dhw?WWj?ùi? s 34n?+q?@fg;u?R~Rx?&?zюk?vEp?9yYs?J?v?Oʤ6{? ?V-m?4GV~q?Bt?mRx?nS}?2g?E2p?Ir?@OIv?X+z?4yT?_YiR ?A"Lq?/r]t?~jtx?)h}?z΅?'OYM?GW#r?/fKv?D~z?ٵݒ?ME?=`2C?]`7l[t?ϛTx?{b}?s*?@fg;?7 0?y7v?%:z?C3O)?6x"?FSwe?~7L?8Zx?&+V}?/Ё?g?RD?)r?{>?(H0z?f,?5e?iQH2?x@ٔ+?zsѐ? @}?t]ԁ?4($?!8?,?oܚt?1vK?ӝ'?[?zLD?V,~SX?voEb?Yni5$? }s?,Ή?c:⮎? ]lZ)?dt?S!?HPs?Ӝ?Aȗ?m?En?;sq?(rw?_vO?:w?LJ?Q?K?zю?TގpZ?}E?7{?RAE?lɪ7?ۆQe?c?oض(A?CQO?o'?&+V?o1=?_Z?&o?m%?n-?'g(x?F?\-ו??`YiR ?jt?~k ?qJ[\?t_l?No?j؟?;ǀ?o/iQ? Vj-̲?Sg?9#?F??ʉvR?`⏢μ?1`U,~?*6u!?+=)?I[?` ?ͨ*?P"?."j?֦?@ٔ+?sc?,,?熦?O\W z?;j?ԙ{H?t`9B?l dv?(?Oq? ?( ??4'1959 US ADB, Last, Male+FemaleARoger Scott Lumsden 75147,2620MSOA Intercompany Accidental Death Mortality Study, experience of 17 companiesCExposure of $137.8 billion, claims of $50.7 million (16,348 claims)!1951 to 1956 policy anniversariesAmounts of Insurance Margin added to 1951-56 ADB Experience table (q.v.) Margin is 30% of basic subject to minimum of .10 per 1000 and maximum of 1.00 per 1000 Derived from Age Nearest These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  cc _=[C?Nj@?i;?.8?)1 7?A)Z5?hN?4?e3?a2U0*3?X%3?׆q&4?| 5?#-#6?g^8?f(ϼ?صݒ9?.9?W99?d!::?]pX:?Ÿ:?겘|\;?D?{;?صݒ?cyW=`>?F̱>?ِf??M.:??Fn1@?ӹ@?(֩=#A?x #A?2: vB?^f(7C?IpD?~*O D?`eM,E?G?(XQiH? o_I?GW:K?qjL?0DKN?ZrLO?,P?[;QR?TO}S?fHU?{/hW?qimZ?j]?ȗPa?'@jc?F(%f?!9i?>Ml?bJ!p?J]2q?2|s?`2CPu??W"w?Py?Rc${?`U}?@Pn?} ^?4)^?`~?G 6?lP?/J_?RT?V$&?SPō?҆?YB'!1959 US ADB, Nearest, Male+FemaleARoger Scott Lumsden 75147,2620MSOA Intercompany Accidental Death Mortality Study, experience of 17 companiesCExposure of $137.8 billion, claims of $50.7 million (16,348 claims)!1951 to 1956 policy anniversariesAmounts of Insurance Margin added to 1951-56 ADB Experience table (q.v.) Margin is 30% of basic subject to minimum of .10 per 1000 and maximum of 1.00 per 1000 TSA XI, pp 749-762 Standard NAIC ADB table in 1958 CSO era I'm not sure where the extension to age zero came from. These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  cc _LE?%s}B? @=?RT:?ŭ7?y76?h㈵4?+4?=3?A3?*T73?}r4?8*5{5?9̗7?G:?En1?? XrD?pG?:8؛H?V횐H? ĭH?9̗G?_vOF?u D?Tb.A?Xj@?_>Y1\=?rQ-";?Ÿ:?-C6:?W99?'>9?W\9?/PR`L9?/PR`L9?/PR`L9?W\9?q4GV~9?u69?I%r9?9??{&:??Ŋ:?=E~;?2;?J>?~tgy>?>?rfB??`??PۆQ@?{V@?LnA?$DB?HPsB?t|8cC?}rD?yxeE?HSȕzF?AA)ZG?f.pyI?uoEbJ?D?{K?H}M?4aO?NjP?P6 rQ?kR?`HT?q@HV?V횐X?1߄B\?IV_?2#b?cxgd?g?;]j?cyW=`n?: vq?[[!r? Lnt?n;2v?Ax?`Hz?<͌~4|?aR||Bv~?'0m?岁?p}Xo ?PR)v?"?GȰ?V4?X+?TUh ͌?Q* ?O~'&1960 US CSG Basic, Age Nearest, Unisex0ARoger Scott Lumsden 75147,2620]SOA Intercompany Group Mortality Study, nonrated experience of Groups of 25 employees or more3About 59 million Years Exposed, 383 thousand claims 1950 to 1958Number of Lives Table derived backwards from 1960 CSG by Subtracting 1 death per thousand, dividing by 1.20 and adopting terminal age of 101 and merging into 85% of US 1949-51 total population mortality for ages below 18 and adopting age 0 rate from 1958 Basic Table TSA XIII, Part I, pp 598-599 Unloaded 1960 CSG Group table before margin These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line CSG stands for Commissioners Standard Group Insurance  dd(='o|y?Xj`?1ZGUS?=\r)M?c#G?_LE?dC?C8 A?iUMu??%>?H}=?%>?Xj@?/nB?h㈵D?VF?H?_QK?!JN?XjP?*g\8P?MbP?p>?P?70P?r&"P?C8 Q?J4Q?nQ?+ٱQ?5l/R?BR?U+S?3fS?MۿҤT? K'I?|DL$z?:@0Gߋ?~tgy?7T7?r??^?(,)?(A&?]K=?!vy?GUD? rh?l?MۿҤ?dz?)t^c?B 3mʪ?ͯ?e,i?̯?9ѮBO?{丳?KH?HK?3}ƅ?333333?W?qZ| ?#-R\?Aǘ?eI)?=yX?:?6U?*?"2? ???7Oup?#G?|Pk?Q?n/i?-s??'1960 US Moorhead R LapseDRoger Scott Lumsden 75147,2620Sales of individual insurance in US in 1949 as published in "Persistency 1949-1958" by Compensation Committee of Life Insurance Agency Management Association Additional contributions from 49 companies for later durations. 12,000 policies sold in May 1949 1949 to 1958Number of Policies (I think) LCompanies were grouped into 3 categories, good, average and poor persistency TSA XII, Part I, pp 545-563 5Table R is the good persistency (low lapse) companies  Q??Q?Q?)\(?? ףp= ?{Gz?;On? rh?Mb?X9v?Q?V-?y&1?S㥋?9v??~jt?Zd;O?I +?/$?{Gz?{Gz?{Gz?{Gz?gs?Aǘ??@Lj?EJ '1960 US Moorhead S LapseDRoger Scott Lumsden 75147,2620Sales of individual insurance in US in 1949 as published in "Persistency 1949-1958" by Compensation Committee of Life Insurance Agency Management Association Additional contributions from 49 companies for later durations. 12,000 policies sold in May 1949 1949 to 1958Number of Policies (I think) LCompanies were grouped into 3 categories, good, average and poor persistency TSA XII, Part I, pp 545-563 ,Table S is the average persistency companies  ?? ףp= ?Q?Q?)\(?9v??J +?~jt?Mb?Zd;O? ףp= ?I +?jt?/$?ˡE?{Gz?~jt?;On? rh?Mb?Q?Q?Q? ?5;Nё?N@aÓ?gs?Zd;O?e'1960 US Moorhead T LapseDRoger Scott Lumsden 75147,2620Sales of individual insurance in US in 1949 as published in "Persistency 1949-1958" by Compensation Committee of Life Insurance Agency Management Association Additional contributions from 49 companies for later durations. 12,000 policies sold in May 1949 1949 to 1958Number of Policies (I think) LCompanies were grouped into 3 categories, good, average and poor persistency TSA XII, Part I, pp 545-563 6Table T is the poor persistency (high lapse) companies  ??Q? ףp= ?{Gz?Q?Q?Q?Q?Q?Q?Q?Q?Q?Q?Q?Q?Q?Q?Q?Q?Q?Q?Q?Q?ŏ1w-!?ǘ?oŏ?:pΈ?a2U0*?Kq'*1961 US CSI Basic, Age Next, Male & Female3ARoger Scott Lumsden 75147,2620ZNAIC Advisory Committee Industrial data from 18 companies White male and female lives onlyxAbout $86 billion Years Exposed, $674 million claims age 10+ About 17 million Years Exposed, 19 thousand claims ages 1-9Jan 1, 1954 to Dec 31, 1958=Amount of Insurance for ages 10+ Number of Lives for ages 1-9 Quinquennial grouping for ages over 4 Pivotal ages 77 to 97 taken from 1949-51 US Life (Whites) Ages 7+ used Jenkins 5th Difference Modified Osculatory Interpolation Rate of 1.000 assumed for 100 and 93+ graded into that. TSA XIII, Part I, pp 457-494 This is the 1961 CSI table before margins Full table name "1954-58 Industrial Experience Mortality Table" CSI stands for Commissioners Standard Industrial Insurance  dd <.9t?kHcCW?H}M?~jtH?MۿҤD?+ٱA?!J>?yCn;?'>9? W8?-C6:?K8?`?hUM`?*g\8`?ezFw`? ^)`?~oӟHa?ƊLa?vꭁb?'@jc?@j';d?h㈵d?gse?q@Hf?^/ f?kHcCg?vӂg?g?*5{h?|~h? Wh?|DL$zi?_5!j?m2k?>?ml?<,Ԛm? o?70p?q?Έ s?Ƣdpt?EV v?IZw?k`y?}\*{?`Y~?T[r?]ہ?r_?h㈵?fIZ? F6?ݓ?y&1??XeS?zަ??2bb?ZӼ?sM?|S:?m?h:;?cZB?hUM?nꐛ?Ll> ?YiR ?n/i?):?N?/ Ҭ?up>?xE?d`T?\wbֳ?ŏ1w?Zd;?a)?fc]F?CB?1ZGU?|DL$z?7?~ ?CVz?[='o?'fʉ?J)?MSt$?pwn?tgy?z{? {,}?-xWf?i5$?`?"q]?k[?7qrCQ?M?1ZG?? $I'$1961 US CSI, Age Next, Male & Female2ARoger Scott Lumsden 75147,2620ZNAIC Advisory Committee Industrial data from 18 companies White male and female lives onlyxAbout $86 billion Years Exposed, $674 million claims age 10+ About 17 million Years Exposed, 19 thousand claims ages 1-9Jan 1, 1954 to Dec 31, 1958=Amount of Insurance for ages 10+ Number of Lives for ages 1-9 Quinquennial grouping for ages over 4 Ages 7+ used Jenkins 5th Difference Modified Osculatory Interpolation Various margins added ranging from 195.5% at age 7 to 25% at age 67+ jTSA XIII, Part I, pp 457-494 Principal Mortality Tables OLD and NEW Tillinghast, Nelson & Warren, INC 1977 eRequired for Industrial in 1941 CSO period CSI stands for Commissioners Standard Industrial Insurance  ccb?_Le?3.\?Ah:;Y?9̗W?QfL2rV?8*5{U?T?MPT?׆q&T?MۿҤT?_LU?q@HV?9̗W?oӟHY??ŊZ?3.\?d]?ŏ1w-!_?Vc#`?70`?4 a?R\U]a?"ua?ƊLa?מYb?lsczb?1ZGUc?x c?ZӼd?s.Uee?0ACg?VF?h?i?겘|\k?nSm?iUMuo?p?מYr?3fs?/$u?+eXw?}:3Py?{{?6Y}?Vc#?*oG8-x?s?1%e?.9?9̇?(D!T?Z!?6Yэ?8 ?X5;N?&S?n?gyܝ?dzF?P?hs?Z![?*3h? 'X?Tآ?0Bxq?fj+?c ? ?Sr3?it3?Pn? r߱?$@M-[?^T?ڬ\mŶ?zpwn?3P>?L^?eQE_?ۥ _?_ `?!9U`?PN`?C8 a?Mua?F>xa?~[~lb?%2b?խc?MPd?P<e?Y,Ee?I2f?g?[X7i?d7ij?:8k? C*qm?p\M 4o?ӹp?Rq??̔r?&75t?.Q5u?X|[Tw?7¢"N'y?ߧ@,{?)h}?u6?$`SQ?UPׂ?L?g?tysV{?NdNJ?nS?I?碑?֪]?AF@#H?TT g?8~߿?aX?쉮 ?8?^2?G'?R? ?·g?ZKi?h?P( ?OȲ?Oqx?9dbӶ?#&? ?>Ab{?V`?L F%u?si+I?!q4G?)q?5ӽN?W?cGP ?sf?q6?D~?;f?`;?"QhY?~ʼn?˸?h^?`n?uBY??9A'/1964-70 Australia IA64-70, Nearest, Male+FemaleSWarren Gratton, 100242,565rAustralian Insured Lives, whole of life without term riders, mainly male lives Data contributed by 14 Life Offices8Exposure - 5,298,742; Ultimate duration deaths - 63,313Jan 64 to Dec 70Number of policies /TIAA 1975 Institute of Actuaries of Australia, Select period of 2 years adopted with selection factors determined for ages 10 to 70 Roger Lumsden has added unofficial values for select down to 8 and the second year of 70 just to fill out the table. IA stands for Institute of Actuaries of Australia  nFOs"3?$xC5?q@H6?E&H2?MۿҤ4?Ǻ6?fLg1?@fg;5? W8?מY2?&|7?3.Y?Fn1P?^saW?%^?}rT?Vb[?iUMu_?{X?z]?d]?Tqs*Y?h9Cm[?-C6Z?AA)ZW?VF?X?#-#V?h㈵T?~*O T?1ZGUS?$DR?Tb.Q?nQ?mON?*g\8P?r&"P?() L?W:O?p>?P?Oʤ6K?Y+N?MbP?yJ?_vON?p>?P?-C6J?Y+N?r&"P?yJ?W:O?J4Q?Oʤ6K?IVO?]Q?yCnK?3ۃP?BR?صݒL?4 Q?U+S?m77MM?;PVP?zU?-C6Z?ْUQ?5V?"\?fLgQ?^(`;X?ŏ1w-!_? ‡R?-@jY?4 a?臭S?t[?HPsb?ZӼT? ]?d? ;V?a`?g?AA)ZW?3ySa?i?]iY?6:b?y&1l?yCn[?MۿҤd? p?6Y]?ٕf?VFq?vq -`?Էh?1=at?w0ba?nKs?n燁?e j?| u?Nz1?() l?w?b('څ?k*.n? Yy?tF_?\*p?F}{?>$@M-?KPr?(o~?׻??,^, s?jP?PpӐ?wN#-u??PLۿ?oN\w?nl?\?r-z?ԘsIՆ?Y?!q}?KqU?ę_?Fn1?EaE??x=?^Dہ?M?kC8?_wă?67',?E>?ݗ3ۅ?İØ?Op?N$?a?h㈵?V6㢊?&|?bqm?_>Y1\?XSh?}tg? ?O;5Y?$bJ$˰?je?x#?Zڊ?Gŧ?&R?o*?0_^}?s)*?Pp???N@a?Ù_?Ll> ?ZӼ?]P2?Z ?Af?>d?\m?0?r?ڊe?̒5?j ?]k?B=?_9?bE ?6ُ?oض(A?h㈵?Y?Q,Z?3.\? ]?Xj`?4 a?j>"Db?kC8c?Hh˹d?N ^e?0ACg? 0*h?i?@_k?%n?ǘp?j>"Dr?QNs?fu?kHcCw?N ^y?!>M|?zѩ+?J4?eI)?=.9?Hh˹?|DL$z?ugy?sF?4 ?jq?x@ٔ?Á,`?a+e?ꐛ??W[?Q?n4Ң?37¤?I2?D )??kի?h?h~5?̗`?~?F?XѸ?%zrK?ʾ+?ҩ+y?_vO?ףp= ?n?ܵ|? c A?ҩ+y?V ?Q?pWs?Q?mnLOX?/$??^c@z?>D;?U?Tj'%1965-70 US SOA Basic Female, Age lastdSRoger Scott Lumsden 75147,2620SOA Intercompany mortality study on Standard Ordinary issues in the USA In Select period, only medically examined lives included4Claims of $109 million Select, $149 million Ultimate.1965 to 1970 policy years (i.e. 5 study years)Amount of Insurance Select values with a Bayesian graduation, with the 1955-60 Basic Tables as prior opinion . Ultimate with Whittaker-Henderson second difference Type A with a=1 Study values not available over age 95, approximate methods were used TSA XXIX pages 171-187 - Table 5 -This table is calculated from the Age nearest  cF#cbqmh? x#O?h㈵D?C8 A?H}=?-C6:?Ǻ6?MP4?מY2?C8 1?Mb0?C8 1?מY2?MP4?q@H6? W8? x#O?h㈵D?C8 A?H}=?-C6:?Ǻ6?MP4?מY2?C8 1?Mb0?C8 1?מY2?MP4?q@H6? W8?K8?Mb@?70@?R\U]A?vꭁB?מYB?/nB?+ٱA?R\U]A?/nB?dC?x C?h㈵D?8*5{E?q@HF?%>?Xj@?Mb@?70@?R\U]A?מYB?/nB?+ٱA?R\U]A?/nB?dC?x C?h㈵D?8*5{E?q@HF?c#G?!J>?Xj@?Mb@?R\U]A?+ٱA?/nB?+ٱA?R\U]A?/nB?dC?x C?h㈵D?8*5{E?q@HF?c#G?I?iUMu??Xj@?70@?+ٱA?/nB?+ٱA?R\U]A?/nB?dC?x C?h㈵D?8*5{E?q@HF?c#G?I?"L?iUMu??Mb@?R\U]A?+ٱA?+ٱA?R\U]A?/nB?dC?x C?h㈵D?8*5{E?q@HF?c#G?I?"L? x#O?Xj@?C8 A?R\U]A?R\U]A?R\U]A?/nB?dC?x C?h㈵D?8*5{E?q@HF?c#G?I?"L? x#O?]Q?Mb@?R\U]A?C8 A?R\U]A?/nB?dC?x C?h㈵D?8*5{E?q@HF?c#G?I?"L? x#O?]Q?׆q&T?70@?C8 A?C8 A?/nB?dC?x C?h㈵D?8*5{E?q@HF?c#G?I?"L? x#O?]Q?׆q&T?#-#V?70@?C8 A?+ٱA?dC?x C?h㈵D?8*5{E?q@HF?c#G?I?"L? x#O?]Q?׆q&T?#-#V? 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F%uz?bg }? v?Op?{?5)^҈?lxz,C?%?6q? x#_?9]f?{l?3ySq?׆q&t?Aǘv?a+ey?ǵb|?q?5l/?DioɄ?sƇ?$7?\4 ?0Bx?D;)?r&"`? 0*h?ŏ1w-!o?3kr?+H3v?$EdXy?1߄B|?VCK??wR~R?m?`?|?iQ?~jt?-s,&?ƊLa?_5!j?p?Hh˹t?)sx?#EdX{?m? 'X?jv?b('څ?~Tˆ?lxz,C?~:?&S?^?bE a?dc?[[%Xl?Pyr?؞Yv? {z?7ܘ~?;S.?U+?Af?^2? c?Q??]`7l[?=m?xN̚?׆q&d?O;5Yn?#t?cbqmx?=\r)}?zpwn?n4҂?ˡE?eN??}9?PN?333333?70?tמ?ek?ُae?p>?p? K?8J^c@?<,Ԛm?IZw?j?s?b? c AJ?cz(?:X0_?4 ?Nz1?#-#?{S?*t^c?]ۡ?ZӼ? M?hUMp?[| z?#bJ$?UMu?dF ^?R 1? X4?LqUwE?"*"?|S:??0{?{Pk? Tƿϸ?/r]?~ ?2ZGUD?#bJ$? g?Á,`?F_Ah?( ?$EdX?Nz1?u?9ѮBO?ͪվ?L1%?UHI?)h?kC8?)"*?_2??:@0G?P6 r?D!T?%?dz?ı.n?#??]L')1967-70 UK A1967-70(5), Male, Age nearestSRoger Scott Lumsden 75147,2620>CMIR Intercompany mortality study on Ordinary issues in the UK 1967 to 1970 Fitted to formula separately for duration 1, 2, 3-5 and ult of form qx/px = B.c^y - Hy where y=x-Y There is also a 2 year select A1967-70(2) more commonly used "JIA vol 101, Part II or TFA vol 34 I generated these from the formulae, occasionally giving a slight difference in 8th decimal place Please note that the published parameters for Ult are incorrect A1967-70 stands for Assured Lives  wrdC?x C?MۿҤD?dC?R\U]A?+ٱA?+ٱA?vꭁB?dC?R\U]A?Xj@?Mb@?Mb@?C8 A?R\U]A?Xj@?H}=?%>?%>?iUMu??Xj@?H}=?yCn;?K89?t^c:?yCn;?-C6:? W8?t^c:?9̗7? W8?-C6:? W8?VF?8?t^c:?q@H6?9̗7? W8?VF?8?VF?8?t^c:?h㈵4?q@H6?VF?8?VF?8?VF?8?K8?N ^E?a2U0*3?8*5{5?-C6:?!J>?x C?=\r)M?a2U0*3?9̗7?!J>?x C??ŊJ?Q>cS?h㈵4?yCn;?x C??ŊJ?qQ?SysHR? W8?/nB??ŊJ?qQ??VDP?bϦ<)jK?8eXyG?^^I?s6AJ?= 8I?CAG?"1 J?ukxE?;j(H?= 8I?CAG?ddiF?@o"H?D?0F?CAG?ddiF?,?WE?G? c!B?xpE?ddiF?,?WE?]D?c)q/G?tؖdA?),+,?RB?CC?Y C?-`C?aeFF?)A+=?!BB?Y C?-`C?Z2C C?Ԧ=gG?YOcWAy?;^BG?'@=Kʼi?,⪑q?s~v?=>cWAy?D⡵{?g_B?] 1l?aO;5Ys?=>cWAy?D⡵{?Xnmy~?GV] ?ɟ=Tn?ᲧpFu?D⡵{?Xnmy~?^k? O0i? p?Z-[w?Xnmy~?^k?R`/G?3Y#?39Rr?y?^k?R`/G?/??L "? s?>t|?R`/G?/??aPͅ?[g?rG(Ku?^ ~?/??aPͅ?yć?/oƃ?w?m?aPͅ?yć??r^}?3Scy?z^;b>?yć??G$?\^/? nsp{?汇ryރ??G$?< _s?V%?J,Z͝}?Q&?G$?< _s?]M\?wޝ?Ә?gQM|?< _s?]M\?C U ?ġm]r? ʼ/?я}?]M\?C U ?+x?.Ġ?k,z?\?C U ?+x?7M?# s?sA؃?/?+x?7M?]SŖ?|3[I?P75J?nK3?7M?]SŖ?E)?9ؓI?lcІ?O?]SŖ?E)?}ۉ?ܐNv?R-}C?hOn? ?{7]`?An?2'I>?kI&+*?Jz?yq?z?2'I>?kI&+*?WL34?j`?YYu?^Ԇ?kI&+*?WL34?ڠ@U?`Fk?BڵsPx?ٵݒ?WL34?ڠ@U?Fұ?_?۩k?*qʩ?ڠ@U?Fұ?X?a]?9 ̞?v?Fұ?X? [$O?BX?z3jJ?aϻNv?X? [$O?Iy?p? :?̱u? [$O?Iy?7,? T?t4?'Pɰ?Iy?7,?x{?[cȘ?r9:?*$r?7,?x{?Ꟗ*?\=!?(+M?N?x{?Ꟗ*?k_ջ?_gp?9k? c$ޮU?Ꟗ*?k_ջ?W`?vxɤ+?H?uK[?k_ջ?W`?0Dom?Fc?ѧ?@Hv ?W`?0Dom?'?sӦ?)y?d0 y?0Dom?'?H㡱?@Z?AnSn?eEMp?&i9LK?"+ӫ?)lG?H㡱?>EMp?t?5D?>p[|G?wj ]?>EMp?t?g?T# ?5ӽNˮ?z&?t?g?cXIT=?/O^}?ǟ^o0?O?g?cXIT=?S#6Pǀ?'?:Xw?j~?cXIT=?S#6Pǀ?̔4?a?(hR߱?\[%?S#6Pǀ?̔4?U 6/?Wֲ??&mGIJ?{e?̔4?U 6/?L3?`A?tʜ??ǽ3?U 6/?L3?H?E-`?򙪴?^?L3?H?|9?uk?h?2?H?|9?܁׺?ey?R?[]c?|9?܁׺? 3?🰼?\GϷ?+N?܁׺? 3? ޲?1?!?JBd? 3? ޲? ώ?'Iab?lJ?? ޲? ώ?űQ{??䰇8T?[ $? ώ?űQ{?x#c? Tc$?0 ?W?űQ{?x#c?u]P?<:?@1?g⩉?x#c?u]P?iu#C?s|+V?]B?4X?u]P?iu#C?˩ 9?e%?|]LTT?;A.?iu#C?˩ 9?I4?\!no?3A?аQ ?˩ 9?I4?G3?ZIcr?2FL? 5?I4?G3?ᨪ 5?qn?')1967-70 UK A1976-70(2), Male, Age nearestSRoger Scott Lumsden 75147,2620>CMIR Intercompany mortality study on Ordinary issues in the UK 1967 to 1970 Fitted to formula separately for duration 1, 2 and ult of form qx/px = B.c^y - Hy where y=x-Y There is also a 5 year select A1967-70(5) "JIA vol 101, Part II or TFA vol 34 pI generated these from the formulae, occassionally giving a slight difference. A1967-70 stands for Assured Lives  tr dC?x C?MۿҤD?+ٱA?vꭁB?dC?Mb@?C8 A?R\U]A?%>?iUMu??Xj@?yCn;?K89?t^c:?yCn;?9̗7? W8?-C6:?q@H6?9̗7? W8?h㈵4?q@H6?VF?8?a2U0*3?8*5{5?VF?8?a2U0*3?8*5{5?VF?8?a2U0*3?8*5{5?-C6:?a2U0*3?9̗7?!J>?h㈵4?yCn;?x C? W8?/nB??ŊJ?Xj@?c#G?9nJQ?_LE?[RjO?kTP?OzK?meM?1 N?? FgI?q.QQK?iGj%M?8eXyG?^^I?%t䫑K?ukxE?;j(H?o J?D?0F?8|H? c!B?xpE?w7GG?tؖdA?),+,?RB?0ݹj}E?)A+=?!BB?-r2E?YO4UI?:P$@?[VHF? L?_B?"H?9@N?{X=ɻC?d@P<_J?:ʮIP?@'SE?Z-nrM?b/QR?],5H?, P?<U?&fJ?t:Q?`W?O}M?5iS?]aZ?;ntP?0V?.v^?<-R?jX?^g"`? ALT?wՊ[?QU!c?ERaW?Ƴ^?Ce?1lfY?o=a?bch?]t&+\?z ^ c? #Ak?ψ_?о-e?X}C_n?)cDŽa?.vg?8rq?%sXc?oРj?1ks?1r,Re?̌ ވl?>3Ҝv?Bt|?(A?rG(Ku?^ ~?kt9t?w?m?KÎ?3Scy?z^;b>?Ze? nsp{?汇ryރ?,?J,Z͝}?Q&?PX ?Ә?gQM|?ܕC? ʼ/?я}?*(ȕ?k,z?\?sfB,?sA؃?/?4b,=?P75J?nK3?[?lcІ?O?)2?R-}Cָ?yq?z?zx"?YYu?^Ԇ?o@s?BڵsPx?ٵݒ?d`?۩k?*qʩ?a?9 ̞?v?T?z3jJ?aϻNv?k? :?̱u?x~?t4?'Pɰ? fȈv?r9:?*$r?̛?(+M?N?޲?9k? c$ޮU?:n]?H?uK[?0HUn?ѧ?@Hv ?UY $?)y?d0 y?4-$1V?AnSn?ep[|G?wj ]?*I 2?5ӽNˮ?z&?dBH?ǟ^o0?O?F?:Xw?j~?b?(hR߱?\[%?E?&mGIJ?{e?X)o M?tʜ??ǽ3?mO?򙪴?^?CR!?h?2?RW?R?[]c?ļ?\GϷ?+N?ոU?!?JBd?&2 ?lJ?? 2?䰇8T?[ $?`aOr?0 ?W?Iz?@1?g⩉?/?]B?4X?2g?|]LTT?;A.?;-?3A?аQ ?tk?2FL? 5?9'?r'-1968-72 Canada CIA Group ADB, Female, NearestARoger Scott Lumsden 75147,2620Canadian Institute mortality studies, group term insurance for groups of 25 lives or more, excluding association groups, credit life groups, dependents life and group permanent/Exposures of 0.8 million life-years, Claims 165(1968 to 1972 policy years, 5 study yearsNumber of Lives Graduated tables were prepared for various benefits, ranging from death-only and disability-only through combinations. Data is contributed in quin age groups for each of exposures and claims. Dividing these is considered to give mu(x) of the central age. An r(x) function was approximated from this as (-13mu(x-5)+296mx(x)+17mu(x+5))/300 It isn't specified how the end points were handled, and I couldn't reproduce the results from the quin data. Then q(x) at pivot ages was approximated as r(1-0.5r) Then Jenkins 5th Difference Modified Osculatory interpolation for individual ages. Accidental Death rates had a further smoothing done by graphic methods. Female rates had a further smoothing done by Whittaker-Henderson A. KReport of the Mortality Committee Canadian Basic Group Life Tables, 1968-72 Accidental Death rates. These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  ZZHiUMu/?iUMu/?%.?%.?K8,?K8,?yCn+?yCn+?yCn+?yCn+?-C6*?-C6*? W(? W(? W(?9̗'?9̗'?q@H&?q@H&?q@H&?q@H&?q@H&?q@H&?h㈵$?h㈵$?h㈵$?q@H&?q@H&?q@H&?q@H&?q@H&?9̗'?9̗'? W(?-C6*?-C6*?yCn+?K8,?%.?iUMu/?Mb0?C8 1?+ٱ1?מY2?d3?a2U0*3?h㈵4?q@H6?9̗7? W8?t^c:?K8I?kHcCG?_LE?a2U0*C?/nB?70@?iUMu??%>?H}=?K8?%>?!J>?!J>?iUMu??Xj@?Mb@?70@?70@?C8 A?R\U]A?+ٱA?/nB?מYB?vꭁB?dC?1ZGUC?a2U0*C?x C?MPD?MۿҤD?h㈵D?_LE?8*5{E?N ^E?q@HF?#-#F?ǺF?kHcCG?c#G? WH?-C6J?yCnK?=\r)M?!JN?*g\8P?C8 Q?/nR?U+S?{GzT?N ^U?c#W??ŊZ?H}]?p>?`?lsczb?ُae?|~h?h:;l?Xjp?y):r?/)'-1968-72 Canada CIA Group ADB, Unisex, NearestARoger Scott Lumsden 75147,2620Canadian Institute mortality studies, group term insurance for groups of 25 lives or more, excluding association groups, credit life groups, dependents life and group permanent1Exposures of 4.2 million life-years, Claims 2,101(1968 to 1972 policy years, 5 study yearsNumber of Lives Graduated tables were prepared for various benefits, ranging from death-only and disability-only through combinations. Data is contributed in quin age groups for each of exposures and claims. Dividing these is considered to give mu(x) of the central age. An r(x) function was approximated from this as (-13mu(x-5)+296mx(x)+17mu(x+5))/300 It isn't specified how the end points were handled, and I couldn't reproduce the results from the quin data. Then q(x) at pivot ages was approximated as r(1-0.5r) Then Jenkins 5th Difference Modified Osculatory interpolation for individual ages. Accidental Death rates had a further smoothing done by graphic methods. Female rates had a further smoothing done by Whittaker-Henderson A. KReport of the Mortality Committee Canadian Basic Group Life Tables, 1968-72 Accidental Death rates. These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  ZZHH}M?m2K? WH?ǺF?_LE?x C?vꭁB?+ٱA?70@?Xj@?!J>?H}=?K8?!J>?iUMu??Xj@?Mb@?70@?C8 A?R\U]A?R\U]A?+ٱA?+ٱA?/nB?מYB?vꭁB?1ZGUC?a2U0*C?MPD?_LE?q@HF?9̗G?~jtH?I?yCnK?H}M?iUMuO?70P?+ٱQ?vꭁR?3fS?_LU?kHcCW?Y?H}]?4 a?nd?vӂg?겘|\k? o?zަ?q?I'01968-72 Canada CIA Group Death Only, Female, ANBARoger Scott Lumsden 75147,2620Canadian Institute mortality studies, group term insurance for groups of 25 lives or more, excluding association groups, credit life groups, dependents life and group permanent8Exposures of 0.8 million life-years, Deaths 1.6 thousand(1968 to 1972 policy years, 5 study yearsNumber of Lives Graduated tables were prepared for various benefits, ranging from death-only and disability-only through combinations. Data is contributed in quin age groups for each of exposures and claims. Dividing these is considered to give mu(x) of the central age. An r(x) function was approximated from this as (-13mu(x-5)+296mx(x)+17mu(x+5))/300 It isn't specified how the end points were handled, and I couldn't reproduce the results from the quin data. Then q(x) at pivot ages was approximated as r(1-0.5r) Then Jenkins 5th Difference Modified Osculatory interpolation for individual ages. Accidental Death rates had a further smoothing done by graphic methods. Female rates had a further smoothing done by Whittaker-Henderson A. KReport of the Mortality Committee Canadian Basic Group Life Tables, 1968-72 Graduated from basic data relating to death claims These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line CIA stands for Canadian Institute of Actuaries  ZZH'>9?Ǻ6?q@H6?q@H6?Ǻ6?VF?8?t^c:?K8?m|?VCK?ĬC9?d?ˡE?z6>? ҌEӉ?M»?~k, ?Q?HcC?I2喖?|DL$z?>tA}˜?&J?m2d?pq?Ae ?gDio?j?\Ɏ@?~:pΰ?m2d?`ME*?-s,??ܵ|?>$@M-?ʉvR?0AC?A`"? ?G'.1968-72 Canada CIA Group Death Only, Male, ANBARoger Scott Lumsden 75147,2620Canadian Institute mortality studies, group term insurance for groups of 25 lives or more, excluding association groups, credit life groups, dependents life and group permanent9Exposures of 2.5 million life-years, Deaths 16.2 thousand(1968 to 1972 policy years, 5 study yearsNumber of Lives Graduated tables were prepared for various benefits, ranging from death-only and disability-only through combinations. Data is contributed in quin age groups for each of exposures and claims. Dividing these is considered to give mu(x) of the central age. An r(x) function was approximated from this as (-13mu(x-5)+296mx(x)+17mu(x+5))/300 It isn't specified how the end points were handled, and I couldn't reproduce the results from the quin data. Then q(x) at pivot ages was approximated as r(1-0.5r) Then Jenkins 5th Difference Modified Osculatory interpolation for individual ages. Accidental Death rates had a further smoothing done by graphic methods. Female rates had a further smoothing done by Whittaker-Henderson A. KReport of the Mortality Committee Canadian Basic Group Life Tables, 1968-72 Graduated from basic data relating to death claims These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line CIA stands for Canadian Institute of Actuaries  ZZHiUMu_?=\r)]?F%u[?oӟHY?=mW? K?P?70P?C8 Q?]Q?dS?{GzT?QfL2rV? WX?@_[? <^?~oӟHa?'@jc? K?m? <.9?s//? GĔH?鲘|?eNľ?@M-[?)Ǻ?I2?Mb?gaO;5?{S?,H3Mg?q'01968-72 Canada CIA Group Death Only, Unisex, ANBARoger Scott Lumsden 75147,2620Canadian Institute mortality studies, group term insurance for groups of 25 lives or more, excluding association groups, credit life groups, dependents life and group permanent9Exposures of 4.2 million life-years, Deaths 23.5 thousand(1968 to 1972 policy years, 5 study yearsNumber of Lives Graduated tables were prepared for various benefits, ranging from death-only and disability-only through combinations. Data is contributed in quin age groups for each of exposures and claims. Dividing these is considered to give mu(x) of the central age. An r(x) function was approximated from this as (-13mu(x-5)+296mx(x)+17mu(x+5))/300 It isn't specified how the end points were handled, and I couldn't reproduce the results from the quin data. Then q(x) at pivot ages was approximated as r(1-0.5r) Then Jenkins 5th Difference Modified Osculatory interpolation for individual ages. Accidental Death rates had a further smoothing done by graphic methods. Female rates had a further smoothing done by Whittaker-Henderson A. KReport of the Mortality Committee Canadian Basic Group Life Tables, 1968-72 Graduated from basic data relating to death claims These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line CIA stands for Canadian Institute of Actuaries  ZZHh㈵T?a2U0*S?BR?nQ?r&"P?*g\8P?iUMuO?!JN?~tgyN?%N?%N?%N?~tgyN?iUMuO?*g\8P?J4Q?מYR?3fS?8*5{U?W?[| Z?K8\? x#_?"ua?kC8c?8*5{e?*5{h? {j?uim?>p?}"Or?@j';t?9]v?cbqmx?cz({?gy}?-l? / ?j+݃?'?|S:?%jjي?ui?T[r?L1%?je/?Jvl?AJi?&K?Z_$?.9֟??'@j?{j?Zd;O?W`Vϩ?d,?h? \? ?9? W8? W8?'>9?yCn;?%>?Mb@?/nB?a2U0*C?_LE?q@HF?9̗G?~jtH?Ah:;I?-C6J?m2K?3.L?6YM?XjP?R\U]Q?HPsR?MۿҤT?"V? WX?m2[?d]?Xj`?R\U]a?HPsb?{Gzd?9]f?cbqmh?m2k?_vOn?C8 q?UN@s?UwEu?~jtx?%]3f{?VC~?a)?Op? p? m9?N ^?"-R?z6>? ҌEӉ?M»?~k, ?Q?HcC?I2喖?|DL$z?>tA}˜?&J?m2d?pq?Ae ?gDio?j?\Ɏ@?~:pΰ?m2d?`ME*?-s,??ܵ|?>$@M-?ʉvR?0AC?A`"? ?P'.1968-72 Canada CIA Group Death+Dis., Male, ANBARoger Scott Lumsden 75147,2620Canadian Institute mortality studies, group term insurance for groups of 25 lives or more, excluding association groups, credit life groups, dependents life and group permanent(1968 to 1972 policy years, 5 study yearsNumber of Lives Graduated tables were prepared for various benefits, ranging from death-only and disability-only through combinations. Data is contributed in quin age groups for each of exposures and claims. Dividing these is considered to give mu(x) of the central age. An r(x) function was approximated from this as (-13mu(x-5)+296mx(x)+17mu(x+5))/300 It isn't specified how the end points were handled, and I couldn't reproduce the results from the quin data. Then q(x) at pivot ages was approximated as r(1-0.5r) Then Jenkins 5th Difference Modified Osculatory interpolation for individual ages. Accidental Death rates had a further smoothing done by graphic methods. Female rates had a further smoothing done by Whittaker-Henderson A. KReport of the Mortality Committee Canadian Basic Group Life Tables, 1968-72 mMortality + 75% of Waiver + 50% Total and Permanent Disability CIA stands for Canadian Institute of Actuaries  ZZHVc#`? ]?_Q[?Y?VF?X?"V?fʉvU?MPT?kC8S?vꭁR?/nR?]Q?+ٱQ?]Q?מYR?1ZGUS?MۿҤT?q@HV?~jtX?m2[?_vO^?C8 a?dc?ُae?Gŧh?t^cj?%n?r&"p?HPsr?h㈵t?eNw?C4y?{|?U+~?HĔH?jM?䃞ͪυ?ϛT?m2?Bi?o%;6?Op?//>:?bg ?xWf,?Gw;S?P1Ο??-#?ڬ\mŞ?]C?vꭁ?0䠤?w;S輦?(\?EB?%䃞?qZ| ? N]?7A`в?>?m? <.9?s//? GĔH?鲘|?eNľ?@M-[?)Ǻ?I2?Mb?gaO;5?{S?,H3Mg?'01968-72 Canada CIA Group Death+Dis., Unisex, ANBARoger Scott Lumsden 75147,2620Canadian Institute mortality studies, group term insurance for groups of 25 lives or more, excluding association groups, credit life groups, dependents life and group permanent(1968 to 1972 policy years, 5 study yearsNumber of Lives Graduated tables were prepared for various benefits, ranging from death-only and disability-only through combinations. Data is contributed in quin age groups for each of exposures and claims. Dividing these is considered to give mu(x) of the central age. An r(x) function was approximated from this as (-13mu(x-5)+296mx(x)+17mu(x+5))/300 It isn't specified how the end points were handled, and I couldn't reproduce the results from the quin data. Then q(x) at pivot ages was approximated as r(1-0.5r) Then Jenkins 5th Difference Modified Osculatory interpolation for individual ages. Accidental Death rates had a further smoothing done by graphic methods. Female rates had a further smoothing done by Whittaker-Henderson A. KReport of the Mortality Committee Canadian Basic Group Life Tables, 1968-72 mMortality + 75% of Waiver + 50% Total and Permanent Disability CIA stands for Canadian Institute of Actuaries  ZZH8*5{U?{GzT?1ZGUS?BR?]Q?J4Q?r&"P?p>?P?p>?P?MbP?p>?P?p>?P?70P?J4Q?]Q?dS?MPT?N ^U?*5{X??ŊZ?=\r)]?*g\8`?ƊLa?Pc?_vOf?~jth?S!uqk?Ws`n?St$p?sr?h㈵t? m9w?y?[ |?X9v??N@aÃ?ӟH?~Tˆ?\ʋ?T:X0? ?@߾?ؙB?tF_?l[?6Yѝ?AJi?&K?Z_$?.9֟??'@j?{j?Zd;O?W`Vϩ?d,?h? \? ??`?]a?1ZGUc?h㈵d?Ǻf?Ah:;i?_Qk? ? ҌEӉ?M»?~k, ?Q?HcC?I2喖?|DL$z?>tA}˜?&J?m2d?pq?Ae ?gDio?j?\Ɏ@?~:pΰ?m2d?`ME*?-s,??ܵ|?>$@M-?ʉvR?0AC?A`"? ? '-1968-72 Canada CIA Group Death+Wvr, Male, ANBARoger Scott Lumsden 75147,2620Canadian Institute mortality studies, group term insurance for groups of 25 lives or more, excluding association groups, credit life groups, dependents life and group permanent(1968 to 1972 policy years, 5 study yearsNumber of Lives Graduated tables were prepared for various benefits, ranging from death-only and disability-only through combinations. Data is contributed in quin age groups for each of exposures and claims. Dividing these is considered to give mu(x) of the central age. An r(x) function was approximated from this as (-13mu(x-5)+296mx(x)+17mu(x+5))/300 It isn't specified how the end points were handled, and I couldn't reproduce the results from the quin data. Then q(x) at pivot ages was approximated as r(1-0.5r) Then Jenkins 5th Difference Modified Osculatory interpolation for individual ages. Accidental Death rates had a further smoothing done by graphic methods. Female rates had a further smoothing done by Whittaker-Henderson A. KReport of the Mortality Committee Canadian Basic Group Life Tables, 1968-72 HMortality + 75% of Waiver CIA stands for Canadian Institute of Actuaries  ZZHVc#`?%^?1߄B\?[| Z?~jtX?ǺV?8*5{U?{GzT?a2U0*S?HPsR?5l/R?]Q?]Q?/nR?BR?1ZGUS?MۿҤT?QfL2rV?~jtX?겘|\[?~tgy^?C8 a?dc?ُae?Gŧh? {j? m? ^)p?+r?x@t?w?'>y?J8|?.s,&6?X5;N?{Fw;?KTo l?*p?Q,?ʦ\?70?PLۿ?i?# ?m? <.9?s//? GĔH?鲘|?eNľ?@M-[?)Ǻ?I2?Mb?gaO;5?{S?,H3Mg?dŒ'/1968-72 Canada CIA Group Death+Wvr, Unisex, ANBARoger Scott Lumsden 75147,2620Canadian Institute mortality studies, group term insurance for groups of 25 lives or more, excluding association groups, credit life groups, dependents life and group permanent(1968 to 1972 policy years, 5 study yearsNumber of Lives Graduated tables were prepared for various benefits, ranging from death-only and disability-only through combinations. Data is contributed in quin age groups for each of exposures and claims. Dividing these is considered to give mu(x) of the central age. An r(x) function was approximated from this as (-13mu(x-5)+296mx(x)+17mu(x+5))/300 It isn't specified how the end points were handled, and I couldn't reproduce the results from the quin data. Then q(x) at pivot ages was approximated as r(1-0.5r) Then Jenkins 5th Difference Modified Osculatory interpolation for individual ages. Accidental Death rates had a further smoothing done by graphic methods. Female rates had a further smoothing done by Whittaker-Henderson A. KReport of the Mortality Committee Canadian Basic Group Life Tables, 1968-72 HMortality + 75% of Waiver CIA stands for Canadian Institute of Actuaries  ZZH K?P?70P?70P?C8 Q?nQ?5l/R?1ZGUS?MۿҤT?q@HV?VF?X?Q,Z?nS]?hUM`?/nb?nd?+H3f?cbqmh?yCnk?Ws`n?p?7r?x@t?0ACw?|DL$zy?J8|?VCK?R\U]?r_?^K=?[[%?l[?;D???? 8*?+ٱ?[| ?M»?AJi?&K?Z_$?.9֟??'@j?{j?Zd;O?W`Vϩ?d,?h? \? ?iUMu>iUMu>h㈵?iUMu?מY?9̗?-C6?K8?K8?K8?K8?K8?iUMu?מY"?q@H&?yCn+?Mb0?a2U0*3?Ǻ6?t^c:?iUMu??vꭁB?N ^E?'>I?%N?nQ?{GzT?9̗W?m2[?iUMu_?Bb?+H3f?ALj?p>?p?@j';t?~jtx?G=D;}?R%?iWV?=?pnꐋ?iUMu?;%Α?1=a?) '11968-72 Canada CIA Group Waiver Only, Female, ANBARoger Scott Lumsden 75147,2620Canadian Institute mortality studies, group term insurance for groups of 25 lives or more, excluding association groups, credit life groups, dependents life and group permanent1Exposures of 0.5 million life-years, Claims 218.7(1968 to 1972 policy years, 5 study yearsNumber of Lives Graduated tables were prepared for various benefits, ranging from death-only and disability-only through combinations. Data is contributed in quin age groups for each of exposures and claims. Dividing these is considered to give mu(x) of the central age. An r(x) function was approximated from this as (-13mu(x-5)+296mx(x)+17mu(x+5))/300 It isn't specified how the end points were handled, and I couldn't reproduce the results from the quin data. Then q(x) at pivot ages was approximated as r(1-0.5r) Then Jenkins 5th Difference Modified Osculatory interpolation for individual ages. Accidental Death rates had a further smoothing done by graphic methods. Female rates had a further smoothing done by Whittaker-Henderson A. KReport of the Mortality Committee Canadian Basic Group Life Tables, 1968-72 {Graduated from basic data relating to disability claims under waiver of premium disability Intended to be combined with death claims costs by weighting by reserve at time of claim. These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line CIA stands for Canadian Institute of Actuaries  @@xiUMu?מY?מY?h㈵?h㈵?9̗?9̗?-C6?-C6?K8?C8 !?מY"?h㈵$?9̗'?-C6*?K8,?%.?iUMu/?Mb0?+ٱ1?d3?h㈵4?9̗7?t^c:?H}=?Xj@?R\U]A?vꭁB?x C?N ^E?VF?H?m2K?~tgyN?J4Q?kC8S?N ^U?(XQiX?m2[? ]?p>?`?Q,b?3fc?Ϡe?=mg?}:3Pi?겘|\k?H}m?֭G'/1968-72 Canada CIA Group Waiver Only, Male, ANBARoger Scott Lumsden 75147,2620Canadian Institute mortality studies, group term insurance for groups of 25 lives or more, excluding association groups, credit life groups, dependents life and group permanent1Exposures of 1.5 million life-years, Claims 885.3(1968 to 1972 policy years, 5 study yearsNumber of Lives Graduated tables were prepared for various benefits, ranging from death-only and disability-only through combinations. Data is contributed in quin age groups for each of exposures and claims. Dividing these is considered to give mu(x) of the central age. An r(x) function was approximated from this as (-13mu(x-5)+296mx(x)+17mu(x+5))/300 It isn't specified how the end points were handled, and I couldn't reproduce the results from the quin data. Then q(x) at pivot ages was approximated as r(1-0.5r) Then Jenkins 5th Difference Modified Osculatory interpolation for individual ages. Accidental Death rates had a further smoothing done by graphic methods. Female rates had a further smoothing done by Whittaker-Henderson A. KReport of the Mortality Committee Canadian Basic Group Life Tables, 1968-72 {Graduated from basic data relating to disability claims under waiver of premium disability Intended to be combined with death claims costs by weighting by reserve at time of claim. These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line CIA stands for Canadian Institute of Actuaries  @@xiUMu?מY?h㈵?h㈵?9̗?9̗?9̗?9̗?9̗?9̗?9̗?-C6?-C6?K8?K8?C8 !?מY"?h㈵$?q@H&?-C6*?K8,?Mb0?מY2?MP4?9̗7?-C6:?%>?C8 A?1ZGUC?8*5{E?c#G??ŊJ?H}M?C8 Q?׆q&T?(XQiX?_vO^?HPsb?kHcCg?>?ml?6ُq?MPt?^2w?B ܺ{?*3h?m4?iWV? n'11968-72 Canada CIA Group Waiver Only, Unisex, ANBARoger Scott Lumsden 75147,2620Canadian Institute mortality studies, group term insurance for groups of 25 lives or more, excluding association groups, credit life groups, dependents life and group permanent2Exposures of 2.5 million life-years, Claims 1573.3(1968 to 1972 policy years, 5 study yearsNumber of Lives Graduated tables were prepared for various benefits, ranging from death-only and disability-only through combinations. Dividing these is considered to give mu(x) of the central age. Dividing these is considered to give mu(x) of the central age for some reason that mystifies me. An r(x) function was approximated from this as (-13mu(x-5)+296mx(x)+17mu(x+5))/300 It isn't specified how the end points were handled, and I couldn't reproduce the results from the quin data. Then q(x) at pivot ages was approximated as r(1-0.5r) Then Jenkins 5th Difference Modified Osculatory interpolation for individual ages. Accidental Death rates had a further smoothing done by graphic methods. Female rates had a further smoothing done by Whittaker-Henderson A. KReport of the Mortality Committee Canadian Basic Group Life Tables, 1968-72 {Graduated from basic data relating to disability claims under waiver of premium disability Intended to be combined with death claims costs by weighting by reserve at time of claim. These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line CIA stands for Canadian Institute of Actuaries  @@xמY?h㈵?9̗?-C6?-C6?K8?K8?iUMu?iUMu?iUMu?C8 !?C8 !?מY"?a2U0*#?h㈵$?q@H&?9̗'?-C6*?K8,?iUMu/?+ٱ1?MP4?Ǻ6?'>9?K8?P?HPsR?N ^U?[| Z?iUMu_?3kb?^/ f?#Gk? Wp?sr?s.Ueu?ض(A&y?-[닄|?B=?j>"D?T)4r'.1968-72 Canada CIA Group Wvr+Perm, Female, ANBARoger Scott Lumsden 75147,2620Canadian Institute mortality studies, group term insurance for groups of 25 lives or more, excluding association groups, credit life groups, dependents life and group permanent/Exposures of 0.7 million life-years, Claims 219(1968 to 1972 policy years, 5 study yearsNumber of Lives Graduated tables were prepared for various benefits, ranging from death-only and disability-only through combinations. Data is contributed in quin age groups for each of exposures and claims. Dividing these is considered to give mu(x) of the central age. An r(x) function was approximated from this as (-13mu(x-5)+296mx(x)+17mu(x+5))/300 It isn't specified how the end points were handled, and I couldn't reproduce the results from the quin data. Then q(x) at pivot ages was approximated as r(1-0.5r) Then Jenkins 5th Difference Modified Osculatory interpolation for individual ages. Accidental Death rates had a further smoothing done by graphic methods. Female rates had a further smoothing done by Whittaker-Henderson A. KReport of the Mortality Committee Canadian Basic Group Life Tables, 1968-72 Combination of 75% of Waiver and 50% of Total Disability These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line CIA stands for Canadian Institute of Actuaries  @@xh㈵?h㈵?h㈵?h㈵?h㈵?-C6 ?-C6 ?iUMu?מY?h㈵?9̗?-C6?K8?iUMu?iUMu?C8 !?מY"?מY"?a2U0*#?h㈵$?9̗'?-C6*?K8,?Mb0?מY2?MP4?q@H6?VF?8?-C6:?K8?R\U]A?a2U0*C?q@HF?Ah:;I?=\r)M?R\U]Q?h㈵T?Y? x#_?'@jc?=mg?1߄Bl?p>?p? 3mJs?46y?ZӼ}?Sg?'.1968-72 Canada CIA Group Wvr+Perm, Unisex, ANBARoger Scott Lumsden 75147,2620Canadian Institute mortality studies, group term insurance for groups of 25 lives or more, excluding association groups, credit life groups, dependents life and group permanent1Exposures of 3.6 million life-years, Claims 1,853(1968 to 1972 policy years, 5 study yearsNumber of Lives Graduated tables were prepared for various benefits, ranging from death-only and disability-only through combinations. Data is contributed in quin age groups for each of exposures and claims. Dividing these is considered to give mu(x) of the central age for some reason that mystifies me. An r(x) function was approximated from this as (-13mu(x-5)+296mx(x)+17mu(x+5))/300 It isn't specified how the end points were handled, and I couldn't reproduce the results from the quin data. Then q(x) at pivot ages was approximated as r(1-0.5r) Then Jenkins 5th Difference Modified Osculatory interpolation for individual ages. Accidental Death rates had a further smoothing done by graphic methods. Female rates had a further smoothing done by Whittaker-Henderson A. KReport of the Mortality Committee Canadian Basic Group Life Tables, 1968-72 Combination of 75% of Waiver and 50% of Total Disability These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line CIA stands for Canadian Institute of Actuaries  @@xh㈵?-C6 ?-C6 ?iUMu?iUMu?iUMu?מY?מY?h㈵?h㈵?9̗?9̗?9̗?9̗?-C6?K8?iUMu?C8 !?a2U0*#?q@H&? W(?K8,?Mb0?מY2?h㈵4?9̗7?t^c:?%>?C8 A?dC?_LE?c#G?t^cJ?ŏ1w-!O?מYR?N ^U?Q,Z?*g\8`?Nz1c?vӂg?_Qk?G8-xWp?eI)r?u? Wx?J8|?X9v?W'%1969-75 Canada CIA Basic Female, LastSRoger Scott Lumsden 75147,2620JCanadian Institute mortality studies, direct standard individual insurance(1969 to 1975 policy years, 6 study yearsAmounts of Insurance Calculated from age nearest QFirst 15 year select table for CIA CIA stands for Canadian Institute of Actuaries  iE#a2U0*S?MۿҤD?3.?3.?J4A?#-#6?d3?C8 1?Xj0?!J.?H}-?3.,?t^c*?t^c*?H}-?+ٱ1?8*5{5?-C6:?!J>?J4A?מYB?d3?C8 1?Xj0?!J.?H}-?3.,?t^c*?t^c*?H}-?+ٱ1?8*5{5?-C6:?!J>?J4A?מYB?vꭁB?C8 1?Xj0?!J.?H}-?3.,?t^c*?t^c*?H}-?+ٱ1?8*5{5?-C6:?!J>?J4A?מYB?vꭁB?/nB?Xj0?!J.?H}-?3.,?t^c*?t^c*?H}-?+ٱ1?8*5{5?-C6:?!J>?J4A?מYB?vꭁB?/nB?r&"@?!J.?H}-?3.,?t^c*?t^c*?H}-?+ٱ1?8*5{5?-C6:?!J>?J4A?מYB?vꭁB?/nB?r&"@?Xj@?H}-?3.,?t^c*?t^c*?H}-?+ٱ1?8*5{5?-C6:?!J>?J4A?מYB?vꭁB?/nB?r&"@?Xj@?iUMu??3.,?t^c*?t^c*?H}-?+ٱ1?8*5{5?-C6:?!J>?J4A?מYB?vꭁB?/nB?r&"@?Xj@?iUMu??Xj@?t^c*?t^c*?H}-?+ٱ1?8*5{5?-C6:?!J>?J4A?מYB?vꭁB?/nB?r&"@?Xj@?iUMu??Xj@?C8 A?t^c*?H}-?+ٱ1?8*5{5?-C6:?!J>?J4A?מYB?vꭁB?/nB?r&"@?Xj@?iUMu??Xj@?C8 A?BB?H}-?+ٱ1?8*5{5?-C6:?!J>?J4A?מYB?vꭁB?/nB?r&"@?Xj@?iUMu??Xj@?C8 A?BB?3fC?+ٱ1?8*5{5?-C6:?!J>?J4A?מYB?vꭁB?/nB?r&"@?Xj@?iUMu??Xj@?C8 A?BB?3fC?D?8*5{5?-C6:?!J>?J4A?מYB?vꭁB?/nB?r&"@?Xj@?iUMu??Xj@?C8 A?BB?3fC?D?8*5{E?~jt8?=\r)=?*g\8@?R\U]A?nA?J4A?Xj@?!J>?~tgy>?ŏ1w-!??p>?@?/nB?a2U0*C?D?8*5{E?QfL2rF?'>9?"?~tgy>?=\r)=?3.?70@?BB?׆q&D?8*5{E?QfL2rF?kHcCG? 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'X?(+ ?ĵ^(?9#+ ?EHξ??u_2'(1969-75 Canada CIA Basic Female, NearestSRoger Scott Lumsden 75147,2620JCanadian Institute mortality studies, direct standard individual insuranceUltimate Exposures $8.4 billion, Deaths $15.6 million (Canadian) Select Exposures $21.7 billion, Deaths $18.8 million (Canadian)(1969 to 1975 policy years, 6 study yearsAmounts of Insurance Ultimate as: Ages 0-19 used select+ultimate, combined by attained age Ages 0-1 raw qx's Ages 2-94 Whittaker B with k=4E9 Ages 95-105 4th degree to unity at 105 Select calculated first as ratios to ultimate expected by quin issue age group for each duration. These ratios then graduated. Ages 0-15, no selection. Ages 16-19, interpolated by cubic formulae. Ages 20-67 grouped into 3yr duration groups, each duration group then smoothed by Whittaker B Then duration groups were expanded to individual durations by linear interpolation Then Whittaker A graduations of ratios by age group. 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K$@M-?ZӼ?:̗`?L7A`?խޗ?/"e?=mg?#Gk?*g\8p?@j';t?g uz?iQ?MۿҤ?0AC?.?E_A??߾?`Y?pqt??CR?EV f?E|'fh?{l?E>q?/"u?@_{?]ہ?UwE?^2?1䠄?A`"?nS?uݏ?&6׆?OI5?y&1?9̗g??Ŋj?.s,&6o?}"Or?EV v?!u|?+?ea?bg ׈?_{fI?鲘|?d?镲 ?'†Wʒ?j0 GĔ?ǵb?i?6Ym?4 q?D s?0ACw?;D~?2y?bg ?`?VI?XO0?\*?d`T?8d`?I +? rh?H}m?70p?+r?ZӼt?VF?x?iUMu? .V?Է鲈?S!uq?V-?&J?Yni5$?QN?fj+?b=y?Oc*?70p?&Sr?Ƣdpt?46?8 ?iR ?fk}Ж?.Ǖ? 0*?%:?h:;?vꭁr?Ƣdpt?_vOv?xĬw?t^cz?3yS?ea?#?m?R!u?+pW?(y?IZ֗?F_Ah?![='?K?]`7l[t?EV v?vӂw?( 0y?>?m|?:pΈ?VF??:T?E>?0?'UHI?bg ?xWf,?B>٬?8b->?[K?N ^u?+eXw? Wx?%:z?aod~?N@aÃ?m?hUM?+?m?E>'I?G`??Ɯ?N`?:f?[Z {?eS.w?.x?&Kz?[ |?mJR?_L?kՋ?R!u?jjZ_$?䠄?DJ?!>M?䠄?v?M2r?ʾ+?ϛTx?y?3.|? <~? / ? m9?;D?s?䃞ͪϕ?A}R?@_?T:X0?ۧ1?N@aã??Ry;i?҇.oy?{{?2%~? 'X?i&k?JiWV?St$?YLl> ?xWL?Ҥt?`"?R!u?^??)Wx?)A&9?W 3z?uv28J^}?.;1ŀ?kC8?=m?S.? x#?Zd;O?]K=?4)ݞ??o*Ral?@߾?B?Է鲨?m?\Z {,?h:;|?=~o?;On?bJ$(?t^cފ?iQ??F_Ah?z6?Ry;i??EV ?9b->?J$(?7ܘ?V&R?? }?~oӟH?i&k?+?խ?/ ҌE? c AJ?>?닄K?NGɫ?|\*? '?1PN?KԲ??}iƢ?~k, ?@ޫV&?#-#?>?m? rh?(\•?]T?7d?Y9}?fj+? )??lF=D?s?iQ?37?wR~R?'fʉ? 8*5{?b('?1%e?`9z?2 {?QQ?\?MJA4?3K?F|'f?BxqZ?ʉv?~:p?Fj?JOc?<.9? v?-[닄??I#'#1969-75 Canada CIA Basic Male, LastSRoger Scott Lumsden 75147,2620JCanadian Institute mortality studies, direct standard individual insurance(1969 to 1975 policy years, 6 study yearsAmounts of Insurance Calculated from age nearest QFirst 15 year select table for CIA CIA stands for Canadian Institute of Actuaries  iE#-C6Z?~jtH?מYB?R\U]A? x#??3.9?9̗7?8*5{5?h㈵4?MP4?MP4?N ^5?m2;?kC8C?"L?~jtH?מYB?R\U]A? x#??3.9?9̗7?8*5{5?h㈵4?MP4?MP4?N ^5?m2;?kC8C?"L?HPsR?מYB?R\U]A? x#??3.9?9̗7?8*5{5?h㈵4?MP4?MP4?N ^5?m2;?kC8C?"L?HPsR?_vOV?R\U]A? x#??3.9?9̗7?8*5{5?h㈵4?MP4?MP4?N ^5?m2;?kC8C?"L?HPsR?_vOV?GŧX? x#??3.9?9̗7?8*5{5?h㈵4?MP4?MP4?N ^5?m2;?kC8C?"L?HPsR?_vOV?GŧX?|~X?3.9?9̗7?8*5{5?h㈵4?MP4?MP4?N ^5?m2;?kC8C?"L?HPsR?_vOV?GŧX?|~X?VF?X?'>9?9̗7?8*5{5?h㈵4?MP4?MP4?N ^5?m2;?kC8C?"L?HPsR?_vOV?GŧX?|~X?VF?X?IZW?9̗7?8*5{5?h㈵4?MP4?MP4?N ^5?m2;?kC8C?"L?HPsR?_vOV?GŧX?|~X?VF?X?IZW?=mW?8*5{5?h㈵4?MP4?MP4?N ^5?m2;?kC8C?"L?HPsR?_vOV?GŧX?|~X?VF?X?IZW?ǺV?W?h㈵4?MP4?MP4?N ^5?m2;?kC8C?"L?HPsR?_vOV?GŧX?|~X?VF?X?W?ǺV?fʉvU?mV?MP4?MP4?N ^5?m2;?kC8C?"L?HPsR?_vOV?GŧX?|~X?VF?X?W?"V?ُaU?a2U0*S?_vOV?MP4?N ^5?m2;?kC8C?"L?HPsR?_vOV?GŧX?|~X?VF?X?xĬW?mV?+~7U?kC8S?]Q?ُaU?N ^5?m2;?kC8C?"L?HPsR?_vOV?GŧX?|~X? 0*X?9̗W?#-#V?YLl> U?1ZGUS?"uQ?MbP?MۿҤT?m2;?kC8C?"L?HPsR?_vOV?c#W?ϛTX?*5{X?=mW?QfL2rV?YLl> U?U+S?P6 rQ?XjP? ?P?P6 rQ?/"U?Hh˹T?Nz1S?3kR?BR?Q,R?~oӟHQ?*g\8P?~tgyN?nSM?=\r)M?%N?iUMuO?p>?P?~oӟHQ?מYR?N ^U?BR?"uQ?~oӟHQ?4 Q?p>?P?VCKO?dM?y&1L?wJL? M?iUMuO?ezFwP?J4Q?5l/R?'@jS?0ACW?hUMP?qO? x#O?ŏ1w-!O? M?y&1L?1߄BL?[[%XL?dM?VCKO?ezFwP?J4Q?/nR?UN@S?MۿҤT?ϛTX?=\r)M?nSM?=\r)M?3.L?겘|\K?F%uK?@_K?=\r)M? Y?[[%X\?VCK_?~oӟHa?9]c?wN#-e?xĬg?$]3fk?_vOF?oӟHI?[[%XL?qO?ƊLQ?x S?9]V?oӟHY?1߄B\?ŏ1w-!_?J4a?Έ c?0*e?Zd;Og?g uj?7ܘn?G?-C6J? M?P?U+S?ϠU?(XQiX?yCn[?!J^?4 a?3kb?YLl> e?=mg?E_Aj?m?C8 q?VF?H?@_K? x#O?5l/R?MۿҤT?vӂW?Q,Z?%^?&pn`?7b?ZӼd?eNg?mj?nSm??ܵ|p?Fr?'>I?H}M?C8 Q?Nz1S?QfL2rV?Y?=\r)]?>`?Y4 b?M Od?g?i?ZӼm?G8-xWp?j>"Dr?Wt?m2K?;fO?;OnR?_LU?|~X?h:;\?u_?Q,b?]`7l[d?^/ f?i?>tA}l?8ߡ(p?ʉvr?#t?vv?nSM?4 Q?nT?kHcCW?Q,Z?O;5Y^? rha?3fc?gf?}:3Pi?Pkwl?qo?]q?j+s?ӟHv?UIddy? x#O?vꭁR?s.UeU?}:3PY?=\r)]?70`?9]c? K"Db?<.9d?Gŧh?겘|\k? ?m\?-l`?eI)b?'e?}:3Pi?:̗`m??ܵ|p?ʉvR~r?MۿҤt?(,)w?-C6z?ui}?SgЀ?$P29?mV??ŊZ? <^?ƊLa?j0 Gd?*5{h? k? x#o?VFq?#t?eav?N ^y?=\r)}?#?߉Y/?h#M)?5)^X?wJ\?&pn`?a2U0*c?"f?{Pkj?_vOn?J4q?LOXes?fu?(yuy?鲘||?8ߡ(?L1%?@j';?Cup?F%u[?m_?Bb?Ϡe?HPh?>tA}l?Mbp? ar?hW!'u?|S:x?hyܝ{?{ʄ?n?Yn̓?o?]Ot]?H}]?3ySa?ׁsFd?9̗g?]K=k?ŏ1w-!o?eXq?@j';t?kHcCw?<z?7ܘ~?~oӟH?+pW?fʉv?9d?b.?Vc#`?eI)b?+H3f?}"Oi?YBsm?Sgp?/ ҌEs?JY8v?ݵ|гy?}?ŊLÀ?ԕς?D?M|?Uj@+?HȰ7? .V?n/i?e1?Cl?#jG?UN@c?G|f? F%uj?<,Ԛm?6qrCq?nt?Sw?zNzz?d~?R%?a2U0*?s.Ue߅?RQ?m2?KԲ?ݙ s ?ZӼd?5h?}\*k?*g\8p?lr?£#v?}"Oy?x}?T?P6 ?UD ?ǀ?Tގp?2 {?j?G 6?QfL2rf? F%uj?;Dn?q?ZӼt?tF_x??߾|?"?g\8? .V?7???>?L$zŒ?x N} y?иp $ h?h:;l?7p?D s?|,}v?*z?&pn~?ĬC9?k g?Jvl?J??߾??~!<8?3?:7mƙ?i?Ws`n?rr?fʉvu?$EdXy?Q|?Sg?ʉvR~?ZӼ??A&9 ?d?3ı.n?r)?M-[닄?x#?1߄Bl?PNp?Yns?)t^cw?]K={?.s,&6??wR~R?lV}?CR?-č?o%;6?S?.Ǖ?_Fj?z΅?aodn?rr?@z{u?DJy?= Y}?.;1ŀ?\m?=yX?7܈?1*?X0_^?z(?ڧ1?4 ?l&lsc?mP?Sgp?jvs?s,&6w?>$@M-{??Ps?pq?s`?a?rh|?ڧ?Nz1?Þvk?[ m?w( ?H2w?R%q?L~t?Էx?ZӼ}?m{??E )??xWf,?dF ?LuT5?ݰmQf?f2}ƕ?~n?S!uq? :u峜?i㈵?b('?S㥛?dF ^?m?Ҧ\?"|?mQfL??3.?m4?Ӥt{I?+ٱו?~jt?O],σ?t//?|a2U0*?l, PS?t?LۿҔ?*5{?A`"?}Жs)?QI?Q?S?o*Ra?(,)?xN̪?!'>?q&?[?vꭁ?Z*oG8-? S"?l/ڒ?ׁs?.4י?!A?;ǀ?od?S? ? '??Ƭ?ʰ?bg ?[?MJ?5l/?Pn?N ^?o*Ral!? ?WL?EԠ?1_^}t?镲 q?E$]3?|%j?#?g %? Q?~e?8*5{?lxz,C?ڧ?o?W`Vϙ?2ZGUD?Uj@+?$ ?"O|? >?Tƿϸp??x=?m~?&†?"-?&2s˿?KK?׺?WWj1?ȳ˷>?|a2U0*?ެ?†W2?{?RDU?E ж?乾?Y?3/w?4 ?À%W?B=?NdG?C|*?>N?P<??!&'&1969-75 Canada CIA Basic Male, NearestSRoger Scott Lumsden 75147,2620JCanadian Institute mortality studies, direct standard individual insuranceUltimate Exposures $43.8 billion, Deaths $347.8 million (Canadian) Select Exposures $163.2 billion, Deaths $314.1 million (Canadian)(1969 to 1975 policy years, 6 study yearsAmounts of Insurance Ultimate as: Ages 0-19 used select+ultimate, combined by attained age Ages 0-1 raw qx's Ages 2-16 Whittaker A on ratio to 1958-64 CIA expected. Ages 18-27 Whittaker A on quin pivotal values, then Karup-King Ages 32-38 Whittaker B with k=3E9 Ages 85-105 Whittaker B and successive 3rd and 4th degree to unity at 105 Other ages interpolated with polynomials Select calculated first as ratios to ultimate expected by quin issue age group for each duration. These ratios then graduated. Ages 0-17, no selection. Ages 18-22, graduated by formula, no selection before attd age 23. Ages 23-82 grouped into 3yr duration groups, each duration group then smoothed by Whittaker B Then duration groups were expanded to individual durations using the overall ratios for that duration Then Whittaker A graduations of ratios by age group. Then expand ratios to individual ages by Karup-King Then apply the ratios to Ultimate qx with constraints against antiselection with only one trough and one peak of ratios by age allowed in each duration. 5Report of the Mortality Committee, CIA 1969-75 Tables QFirst 15 year select table for CIA CIA stands for Canadian Institute of Actuaries  iF $ ab?~tgyN?vꭁB?/nB?70@?%>?-C6:? W8?q@H6?h㈵4?h㈵4?a2U0*3?h㈵4?Ǻ6?iUMu??kHcCG?~tgyN?vꭁB?/nB?70@?%>?-C6:? W8?q@H6?h㈵4?h㈵4?a2U0*3?h㈵4?Ǻ6?iUMu??kHcCG?r&"P?vꭁB?/nB?70@?%>?-C6:? W8?q@H6?h㈵4?h㈵4?a2U0*3?h㈵4?Ǻ6?iUMu??kHcCG?r&"P?T?/nB?70@?%>?-C6:? W8?q@H6?h㈵4?h㈵4?a2U0*3?h㈵4?Ǻ6?iUMu??kHcCG?r&"P?T?=mW?70@?%>?-C6:? 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Wp? ar?_Lu?tF_x?}\*{?P}:3?46??d`T?ʡE?'>i?q>?n?P6 rq?1=at?|,}v??Ŋz?!J~?]ہ?/r]?S?R 1?=\r)?T㥛 ?7?ۿҤ?~T˜?_Qk?TBp?7r?8*5{u?oӟHy?W!'>}?St$?jM?q@H?Ah:;?)\(?~@?/oe?jM?£#?%]3f?CO}:n?ek}q?Nz1t?Zd;Ow?%]3f{?%?%ǝ?BB?*5{??XO0?*Dؐ?\m?bh㈕?kC4?O;5Y?vq -p?lsczr?N ^u?C4y?aod~?+ٱ?@j';?|,}?|݉?!q?q89@?m2d?ZӼ?+Η?a?a7l[٠?3ySq?]`7l[t?Gŧx?>?m|?PN?{Fw;?s.Ue߅?cbqm?B ܺ?E?5o?ܝ.?{?&kC4? ?a_Yi?vꭁr?bJ$(v?JiWVz?ŏ1w-!?r?DioɄ?˹W}?{Pk?gy܍?Q?~jt?fC?MbX?dp?Ǻ?1 {?ׁsFt? 0*x?wb֋|?bՀ?Nz1?9]?( 0?"?&J?+?hn? h"l?@ǘ?`"?++MJ?gyܝ?N ^u?_5!z?VC~?&R?o*?ڧ1?gj+?>$@M-?VI?ڧ?n?˹W}?>d?}bٝ?"T?D4ؙ?,H3Mg?Zd;Ow?VI{?p>??'@j?G|?C4؉?>?eS.?ʡE?I2喖?1䠄? ui?qZ| ?H|?'Nw( ?$(~k?oӟHy?%}?"u? ?|S:??x=?4O?"^Fܒ?8*5{?)Wx?yCn?mIFž?r@H0?UN@?=yX?%]3f?g uz? ?+?-=?Tގp?:f?T5A}?M O?9m4? h"lx?H}?n?QHm?47¤?d,i?<,Ԛ? {?\*?+?F ^/?wJ?o_?82?sM? N]?[[%X?CVzNz??j&kԣ?û\wb?D )??H}?bg }?HĔH?f?B&9 {?q?lscz’?,g~?mnLO?іs)*?=?v7Ou͠?"^Fܢ?o/iQ?d?1%e?6qrC?2%~?"-?vӂ?ZӼ?rZ| ?i&k? m9?[| ?ZK?q&"?H.? ܺ:?ݦ?C?ɓk&߬?4ctv?B=?{Gz?ݵ|г? x#ȏ?3? ?0{?sқ?s ^?moB?UN@?ѩ+?b?a?%;6?1PN?P6 r?q@H?W}W?]].;?/r]?0du礗?^2ᗚ?V-?[Ɏ?߉Y/r?#?׆q?C4ة??RQ??HPsׂ?[[%?;D?PN?f?b=?d*g? x#ȟ?:?K;?0r.ť?ԲH?F6X?ڬ\mŮ?E_?4Op?ׁsF??LqUwE?£#?^c@z?$~?\tYLl?"7 ?3KԢ?ytͤ?,`?c AJ?ZB>٬?#S?>d?c=yX?gs? ϋ?4c?//>:?(A&?Z_$?TB?+5{?wR~R?s.Ueߥ?^c?Af?E?ea?2Yس?&kC4?MSt$?>?m?lV}?vۅ??W[?ioT?H3Mg'?D?Ǻ?D )??h?RDU??,?c&?<8b->? ܺ:?.???Փ?ϛT?pwnМ?#?@x=\?ƿϸp ?o? ?BO}?C5v?}k,?ܘij?D?tm?R 1?&pn?'UHI?&1?ڬ\mŞ?ek}?vOjM?/ ?x?Z?&۫?ǵb?t//>?0*?Mb?#Jvl?1߄B?nQfL2?,C?5?~ƅ!Y?žvk???jt?=?9ѮBO?vR~R?h㈵?a?it3?m)?TR'?CO}:?@߾?g?%ǝ?moB?aO;5Y?hW!'?7?9EGr?m? +ٮ?g?bۢ?i㈵?r)?|,}?VF??Ҥt{?7A`?zCn?[[?t{Ic?\ʾ? Y9?%P6?Ƣdp?j?9@0G??&:?P1? cZ?yѩ+?~?zG??03'1970-73 India LIC, Male+FemaleA\John S. Brake 75273,3722 from spreadsheet supplied by colleages at Mercantile & General Re  1970 to 1973 2LIC stands for Life Insurance Corporation of India  cc8*5{U?fʉvU?fʉvU?_LU?_LU?_LU?/"U?/"U?h㈵T?h㈵T?h㈵T?T?T?/"U?fʉvU?N ^U?"V?c#W?a+eY?F%u[?=\r)]?;f_?~oӟHa?3kb?d?Ǻf?}:3Pi?1߄Bl?\4 o?J4q?Έ s?0*u?+eXw?C4y?{|?;f?P6 r?/ ҌE?LY1\?1ZGU#?DXP(?pDk,?/?700?3ۃ0?ŏ1w-!/?3O,?Ah:;)?q@H&?O'#?A !? fhv'?8*5{%?ro~D$?$xC%?9̗'?=E~+?%.?`/?1?74e/? 0-?/K;5+?ฌ*?صݒ,?Owx0?Udt@2?h㈵4?:YX8?Rh?@?IaLC?kF?KUJ? O?JCBR? XrT?HW?r Z?Y+^?4)^b?;f? k?*g\8p?bq? 9!s?dVA t?t 4t?6lgu?>#u?K/v?lfv?Exx?!O!Wy?Իx?n|?x`?fv?ލA?:l ?b.'%1970-75 US ADB Experience, Last, MaleARoger Scott Lumsden 75147,2620MSOA Intercompany Accidental Death Mortality Study, experience of 15 companies+73% of number of claims, 84% of face amount!1970 to 1975 policy anniversariesAmounts of Insurance Derived from Age Nearest Table contains no margin. I'm not sure where the extension to age zero came from. These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  dd(oA?4a??9?a+e9?a+e9? Om9?&"dT9?yxρ9?E|'f8?ꫫ8?f.py9?d!::?'eRC;?}Az?_vO>?#>?>9 @?efb@?GR{A?ͮ{+B?[[!B?㊋rC?IC3D?G 6uE?HSȕzF?)qH?-Y?/$\?<-?p'`?n/ia?ɯbc?nʆ5e?I2f?^h? k?*g\8p?bq? 9!s?dVA t?t 4t?6lgu?>#u?K/v?lfv?Exx?!O!Wy?Իx?n|?x`?fv?ލA?:l ?Y',1970-75 US ADB Experience, Last, Male+FemaleARoger Scott Lumsden 75147,2620MSOA Intercompany Accidental Death Mortality Study, experience of 15 companiesDExposure of $482.8 billion, claims of $204.9 million (27,584 claims)!1970 to 1975 policy anniversariesAmounts of Insurance Derived from Age Nearest Table contains no margin. I'm not sure where the extension to age zero came from. These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  dd(R\U]A?bc^G? Lu;?8FG9?~jt8?7?17?9̗7?1е/7?AA)Z7? !7?17?OYM]7?pY7??6?t ;7?t8?]@"9?T^ P:?m2;?zю;? iTd;?k3 :? .V`:?[| :?9?W99?9?d!::?6Ko.:?Mq:?Ÿ:?*6u!;?W\T;? ~;?Mn;?f(ϼ4aH?o+6K?MGM?$P?HPsR?yTU?eNW?sY?)F[?MG]?ek}`?p71$'c?Dhg? k?*g\8p?bq? 9!s?dVA t?t 4t?6lgu?>#u?K/v?lfv?Exx?!O!Wy?Իx?n|?x`?fv?ލA?:l ?y '*1970-75 US ADB Experience, Nearest, FemaleARoger Scott Lumsden 75147,2620MSOA Intercompany Accidental Death Mortality Study, experience of 15 companies+27% of number of claims, 16% of face amount!1970 to 1975 policy anniversariesAmounts of Insurance 'Ages 10-65 by Whittaker A with z=3, K=8 TSA 1977 Reports, pp 55-95 Table contains no margin. I'm not sure where the extension ages 0-9 or 66-100 came from. These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  dd(dC?W>?X|[T7?*31?]pX*?A#?z?q@H?מY???C8 ? F?Tqs*? ?[%?!*?F̱.?ӹ0?{V0?3/0?$Di-?!*?AA)Z'?'$?I"?]/M!?1zn+!?מY"?MP$?6w\&?{(?yxρ)?yxρ)?1]a(?X|[T'?q@H&?]E~%?$xC%?h㈵$?$xC%?8*5{%?6w\&?v'?W9)?'eRC+?rQ-"+? iTd+?ฌ*?-C6*?vk )?W9)?W9)? Om)?1]a(?6w\&?:`$?MP$?[%?/PR`L)?K8,?iUMu/?Fn10?ِf/?K8,?]pX*?t^c*?RG.?C8 1?sIv3?HSȕz6?-C6:?Y+>?oA?D?4 ;H?x!M?VLP?͋S?+H3V?yxρY?lxz,C\?#ng_y`?7ZDd? Omi?ҧUfn?kt=q?Ir?"s?9+&|t?m3u?VBwIu?߼8u?8nv?2p@Kw?Xİx?=E~{?jm~?w0b?ÜM?~jt?o?k*.>?iUMu??O!WY@?1{vA?]A?g,{B?ͮ{+C?3fC?_% D?/ިE?bLLG?܂I?صݒL?P?uQ?p71$'S?AT?@jW?t? ?[? x'^?St$`?vꭁb?T]d?"~ f?eo)狽g? Omi?ҧUfn?kt=q?Ir?"s?9+&|t?m3u?VBwIu?߼8u?8nv?2p@Kw?Xİx?=E~{?jm~?w0b?ÜM?~jt?34k'/1970-75 US ADB Experience, Nearest, Male+FemaleARoger Scott Lumsden 75147,2620MSOA Intercompany Accidental Death Mortality Study, experience of 15 companiesDExposure of $482.8 billion, claims of $204.9 million (27,584 claims)!1970 to 1975 policy anniversariesAmounts of Insurance Ages 5-91 by Whittaker A with z=3, K=8 Ages 1-4 by graphic technique, based on percentage of population white lives accidental deaths 1970-73 Ages 92-100 by 3rd degree curve to 12/1000 at age 100 TSA 1977 Reports, pp 55-95 Table contains no margin. I'm not sure where the extension to age zero came from. These values have been checked by examining 1-3 differences but have not been proofread. If you find any errors please report them to Actuaries On Line  dd(dC?iUMu??f.py9?O'3?F̱.?AA)Z'?g,{"?m77M? Om?1]a?-C6?iUMu?}r$?pDk,?ro~D4?3O?+,??Mb@?@?1zn+A?uA?8B?,amB?y7D?8*5{E?1е/G?vk I?DJyL?VDׅO?;P?%>?-C6:?q@H6?MP4?d3?+ٱ1?C8 1?+ٱ1?a2U0*3?8*5{5?9̗7?-C6:?K8"Db?'@jc?h㈵d?0ACg?}:3Pi?yCnk?m?mo?4 q?&Sr?Ƣdpt?gv?~jtx?z?ui}?Mb?Q,?1=a?< .?~jt?#G?_vO?*Dؐ?46?P?XjP? x#O?*g\8P?r&"P?+ٱQ?vꭁR?kC8S?{GzT?N ^U?W?'>Y?_Q[?_vO^?70`?מYb?nd?gse?=mg?}:3Pi?겘|\k?6Ym?Vc#p?ek}q?3kr?/r]t?gv?cbqmx?$]3f{?Ws`~??vꭁ?UMu?I +?~Tˆ?5A}R?h|?5?3d?]m{?Ku?؞Y?J +?d@zǛ?Gɫs Ȟ?镲 ?3P>?iƢ?eS.?9 {ᯩ?OGɫs?ʾ+?q?$#gaO?uv28J^?ގpZ?ߦ?"?6U?*p?'$?j?/oe?jM? Y9?ezFw?<;?xz,C?dCԷ?6q?q@H?=?TN?I_{?*?ϽK?Yȁ'#1972-77 South Africa Assured Lives S\John S. Brake 75273,3722 from spreadsheet supplied by colleages at Mercantile & General Re  1972 to 1977  cP +ٱA?3.L?h㈵T?vꭁB?+ٱA?3.L?h㈵T?K8L?+ٱA?3.L?h㈵T?_LU?+ٱA?3.L?h㈵T?3.\?_QK?T?1߄B\?r&"`?MۿҤT?@_[?70`?j>"Db?yCn[?p>?`?/nb?Q,b?ezFw`?ƊLa?ƊLa? ^)`?]a?a?7T7`? ]?+ٱa?ezFw`?H}]?[| Z?hUM`?=\r)]?'>Y?ǺV?K8\?Ah:;Y?q@HV?T? WX?N ^U?׆q&T?a2U0*S?8*5{U?a2U0*S?HPsR?1ZGUS?1ZGUS?מYR?vꭁR?x S?/nR?/nR?dS?h㈵T?+ٱQ?BR?׆q&T?#-#V?/nR?1ZGUS?fʉvU?(XQiX?dS?{GzT?ǺV?Q,Z?3fS? K"Db?/"e?i?ǘp?Nz1c?"f?VIk?L1%r?h㈵d?~jth?aodn?Ps?I +f?g uj?ezFwp? K?p?0*u?y&1|?6Ym?]q?I2v?j? p?UN@s?5)^x?J4?a)q?Hh˹t?ALz?HPsׂ?m2dr?9]v?W!'>}?s]?"s?*5{x?X9v?I2喆?wN#-u?='o|y?ĬC9?E|'f?mv?}\*{?vꭁ?ϛT?ϛTx?%u~?ׁsF?d?_5!z?*g\8?f?~:?1߄B|?ek}?$ۇ?W2đ?y~?HPsׂ??nSr? W?:K?x ?1ZG?6qrC?b('څ?;)t?dzF?B?Zd;O?a?(rw?2Y؃?_xZ?~5?כ?1ZG?5A}R?k&l?6׆q?ek}І?)h?YLl> ?p= ף?)s?Ɏ@?0Ӗ?5l/?-C6?镲 ?E|'f?j+ݣ?h:;?@x=\?<Κ?H?dF ?N@aÓ?bg ?9d?Vc#?1ZG?iUMu? ҌE٩?닄K?eI)? 7?Sr3?:pΈ?EB[Υ?߉Y/r?t//?j+ݓ?ݓ?+?72?1ZG?[wT? ?E_A?, PS˖?qqt?Rb?:@0G߳? h"l?>?DJ?=~oӟ?b('?M(D?F6X?9#J{?ı.n?Ll> ?W?R%?u?`?H}]??ŊZ?(XQiX?W?q@HV?_vOV?RfL2rV?kHcCW?(XQiX?Y?m2[?"\?e]?~tgy^? <^?;f_?Xj`?Mb`?`?+ٱa?Q,b? ab?3kb?HPsb?vꭁb??p?5;Nq?U+s?iWVt?-=v?иp $ x?mz???m|?\4 ?St$?Y4 ?e16?Mg'?bg ?%jj?a?!vy?7XO?.oe?eI)?\?7?(yu?{?tv28J?a?Hm~?aۢ?"Ʀ?`7l[?3k?eF ^ׯ?c AJ?{丳?%?77',?q0? ?|a2U0?#?A+0du?F%u?> Y?m? ?bX9?僞ͪ? m9?Az{?GȰ?yN?fC?HV?ZB>??j2?C[Ň~2? =ܰ2??̔2?3|Ux3?Sb3?)3?!C}4?ZIw4?h㈵4?׀r5?^IM6?KȬ(7?SK7?D$ 9?(/1:?DJy?پ@?̀iB?3fC?[E?|o-H? fLJ?uo=M?hbpP?~_R?Z2}eT?Cg2^M?d$O?Vd?P?*`P?Is Q?1uNR?pkS?NmT?1BmU?t ;W?|:fX?lݼ'}Z?>?m\?^?Ej`?ea?E4n c?cxgd?qE`f?g;K5h?!3j?ebl?(1n?Cp?_Vr_q?6Jms?m.t?̅%y v?@mx?Fc_Nz?U `N|?kso~?ꨴX?@ ? "ɂ?"WE?QV?V(?Qew?i< ?9tы?B;?Դ:',1975-78 UK FA1975-78(2), Female, Age nearestSRoger Scott Lumsden 75147,2620>CMIR Intercompany mortality study on Ordinary issues in the UKUUltimate 2,042 thousand exposed, 4,616 deaths Select 967 thousand exposed, 644 deaths 1975 to 1978Number of policies Ultimate fitted to LGM(0,5) formula First duration taken as Ultimate less 6.51725591 years Second duration taken as Ultimate less 5.07221788 years my deduction for second duration not same as in CMIR - didn't reproduce Select for attained ages below 20 ratioed to Ultimate CMIR 6 (1983) pp 1-24 I generated these from the formulae. Seemed to be OK but had to change a couple in 8th decimal FA stands for Female Assured Lives  yw@ * 8? =6?A|7? ̚6?ׁZ4?=k5?`b4?LjhQ3?=^Yv4?R73?R|P_2?I=3?\1?0?->2?滥0?Ji 0?&jp1? u/?I/Ű.?!W0?W.?s>-?uO0?&P<-?pDk,?Ix{/?PJ4a,?ǣX,?XYh/?5\$+?jI+? *)/"/?S+?:6e+? .g/?+?W\T+? ,/?!?+?En+?E[ly/? D+?Y- +? /? ?Q;?& 42?HJ_K4?[|#=? 2?0\5?kh=[???3w%3?zq=e6?,+@? < 4?7?ͥ8B?k6?n:vm9?wҶC? ,KK7?;?ߔ$E??b8?uza?KA?KwM?Kg,@?4\O:nC?9P?k6]hA?H/E? vQ?|B?ϸXF?@ B+S?7 QKD?1|!λH?ͰT?DE?L!AJ?9=V?m37G?J nHM?B+Y?X%I?f\O?pi-[?!0L?2hmQ?=&BJ^?egN?ddV S?eT?"Y?JaLf?kU?KHk[?gRTGh?X2X?G^?m덵j?euPZ?I+හ`?*cm?)A[R\? ^K%b??J#??2??4w>?U?A?>0Wqp ?X?vv?l?+?[l7?;u??cX?+c? 2~w?Zy ?/;?Yr?Q?*˔?)6?uxcí?\Ŕ@1? s?^x-:?I?NցZ?~?I 8ګ?z?1cY?>+{?;}ïܧ?)? 5d?ul?qsҹ?d3Ħ?D?yf?T;cN?_ns?j?j4?g'?˜-Y?)fs,?׿%~Z?3ޘ?|?/a~d?i\y? 8?!?U?g?89??Q)^ɵ?GyF?G?#\?mRJ?gm)?*E? bM#5?Jɛ{?RJ匾?Q9?;?zyK ?s?~|Î?)6? g{?Î?J?65?տ?CVc?be?E;X֨?g?Vj?*?X4?|ՈhM?'!2??t??WfBz'r? x?wA?z?i'ϼ?+6?]$? 'l?hR? ?=6?r?=UK?.''1975-79 India LIC, Male+FemaleAJohn S. Brake 75273,3722 from spreadsheet supplied by colleages at Mercantile & General Re additional documentation from R. Ramakrishnan of LIC via paper data provided by Arnold A. Dicke 73462,221 1975 to 1979 *R Ramakrishnan of LIC indicates that: 1) it is the practice in India to use a common table for male and female assurances 2) no significant shift was noticed in mortality experience in the 10 years after this table, which was still current in 1993 LIC stands for Life Insurance Corporation of India  cc/\X?};l"3W?_vOV?G 6uU?IC3T?֪]S?.2R?/nR?>Q?(֩=#Q?hYP?H[P?r&"P?1{vQ?>Q?uR?UJR?`>T?$PU?U2TqV?GsdX?boZ?i:]?J= By_?Bl`?8b?wH1@ d?gf?/PR`Li?39Al?<-?p'p?8r?X+t? ףp= w?v8Jwy?/$|?YO*?·g ?֦?Q3U?Lkˈ?{??k?H[ϐ?Y4 ?st?M-[닄?~T˜?h52?aHZ֝?ŠSY?fc%?q0'h?w,IEc?S:X?ʈ @t?vN@?X2ı.? qh?.oӱ?\X?!\z?M=?p $ ?5"??%.?%.?K8,?-C6*?9̗'? W(? W(?yCn+?%.?C8 1?d3?q@H6? W8?t^c:?H}=?iUMu??yCn+?yCn+?-C6*?9̗'? W(? W(?yCn+?%.?C8 1?d3?q@H6? W8?t^c:?H}=?iUMu??Mb@?-C6*?-C6*?9̗'? W(? W(?yCn+?%.?C8 1?d3?q@H6? W8?t^c:?H}=?iUMu??Xj@?C8 A?9̗'?9̗'? W(? W(?yCn+?%.?C8 1?d3?q@H6? W8?t^c:?H}=?iUMu??Xj@?70@?R\U]A?q@H&? W(? W(?yCn+?%.?C8 1?d3?q@H6? W8?t^c:?H}=?iUMu??Xj@?70@?C8 A?R\U]A?q@H&? W(?yCn+?%.?C8 1?d3?q@H6? 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B?i&k?8L? c?cZB?KqU?s.Uee?!Jn?x s?E ax?=\r)}?#bJ$?n?˹W}? q?8ߡ(?m?-R\U?t ^?N`??ܵ|?3k?g?Vc#p?ZӼt?}"Oy?O;5Y~?r?#-R\?Ah:;?yu?apɑ?'?o l`q?#G?L;?~5?C9ѮBʯ?oӟHi?nq?"v?O#-#|?ڀ?j ??3.?.;1Ő?r)?o l`q?#G?խ?~5??:f?#Gk?7l[ s?R~Rx? <~?PC?ZM?ݓ?r]?l/ڒ?M-[닄?#G?խ?LuT5??-R\U?r鷯?uim?<.9t?S!uq{?4 ? ? W?ui??//>:? N]?խ?LuT5?3P>?-R\U? TƿϨ?%e˵?qZ| ? m?hn?k ?GZ*oG8?5{??x=?]? q?=aM?SZ!?֨ht?A 3m??ܵ??i_'#1975-80 US SOA Basic Male, Age lastjS$Stephen J. Strommen FSA, 74017,2177 BUltimate - average of q(x) and q(x+1) except cubic curve at oldest ages Select - q'([x]+t)=(C)q([x]+t) + (1-C)q([x+1]+t) C=.85 for 0, .75 for 1, .875 for 2-4, .9 for 5-69 For 70+, q'([x]+t)=(1.1)q([x]+t) + (-0.1)q([x-1]+t) Claude Paquin then filled in the intermediate ages by linearly interpolating the selection factors 3TSA XXXVIII pages 217-220 TSA 1982 Reports pp 77-81 cThis table is interpolated from the original quinquennial table SOA stands for Society of Actuaries  dF#מYR?ǺF?!J>?yCn;?VF?8?h㈵4?MP4?מY2?+ٱ1?+ٱ1?מY2?8*5{5? 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K u?mJR?U+?dw?|S:?$7?ȓk&?R!u?=>?dw?- PS֚?Gɫs Ȟ?E_?nLOX?\Ɏ@?uo?GĔHw?VF?fʉv?|S:?$7?ȓk&?R!u?+MJA?D?F_Ah?W?H`?S?ݦ? q۰?+ٱq?_{fIz?Ӈ.o??$7?ȓk&?R!u?+MJA?D?F_Ah?N`?Sr3ܠ?lV}?K;?+e?&lscz?a2U0*s?ui}?/$?N?ȓk&?R!u?+MJA?D?F_Ah?N`?Sr3ܠ?zަ??pq?V-?~ ? ܺ:? K¡?{Nzڣ?ʦ? ϛ?G=D;?A_?5x?vꭁ?C4؉?SgА?+MJA?D?F_Ah?N`?Sr3ܠ?bE ?NGɫ?'?}ƅ!?G=D;?.9֯?F??%:z?6ُ?x=\r?Py?o\?}ƅ!?Gw;S? W?bE ?D$]?_?g?Ϡ?.9֯?(a_Y?߾3?uv28J^}?ea?Zd;?@j';?Է鲘?O],σ?Ɏ@?bE ?D$]?<8b->?&†?&K?q>??(a_Y?> Yݲ?/r]?8ߡ(?7܈?4 ?bJ$(?A&9 ?%?R\U]?D$]?<8b->?E>'I?CQO?>"D?Mb?> Yݲ?0|DL?,?鷯?û\wb?8EGr?b?r_?E>'?H.!?!u?S%?)3h?XVn?]m{?oŏ?B[Υ?#2?zb'1976-83 Singapore A\John S. Brake 75273,3722 from spreadsheet supplied by colleages at Mercantile & General Re  1976 to 1983  KKa2U0*S?׆q&T?׆q&T?HPsR?70P?!JN?_QK? WH?#-#F?h㈵D?a2U0*C?vꭁB?מYB?מYB?dC?MPD?q@HF? WH?"L?MbP?HPsR?fʉvU?VF?X?m2[?!J^?P6 ra?nd?0ACg?&Kj?uim?7T7p?Pyr?/r]t?Ǻv?y?G=D;}?M?~jt?q@H?}:3P?鲘|?;f?R\U]?DԷ?#?ZM?tF_?<,Ԛ?|?ek}?&lscz?g?ec]ܦ? vöE?t3Ϋ?XL~?t)*?HX'1977-83 Malaysia A\John S. Brake 75273,3722 from spreadsheet supplied by colleages at Mercantile & General Re  1977 to 1983  AAxVF?X?pӟHY?Y? WX?RfL2rV?_vOV?_LU?MPT?a2U0*S?dS?מYR?/nR?]Q?/nR?5l/R?vꭁR?kC8S?T?RfL2rV?E|'fX?yCn[?!J^?R\U]a?Nz1c?EV f?4)^h?VIk?:̗`o?nq?1ZGUs?wN#-u?{w?ض(A&y?S{?mIF~?X5;N??P?~jtH?R\U]A?VF?8?D8 1?yCn+?-C6*? W(?q@H&?a2U0*#?מY"?D8 !?a2U0*#? W(?Mb0?MP4?VF?8?t^c:?3.?Xj@?70@?R\U]A?+ٱA?/nB?מYB?a2U0*C?_LE?kHcCG?Bh:;I?m2K?H}M?iUMuO?70P?]Q?dS?׆q&T?_LU?RfL2rV?9̗W?pӟHY?t^cZ?=\r)]?;f_?~oӟHa?vꭁb?׆q&d?8*5{e?g?bbqmh?h uj???ml?P;5Yn?PNp?5l/r?Ps?s.Ueu?*5{x?BBz?uv28J^}?H?ʉv?#?g?(yu?VI?~@?ek}?Ӈ.o?J8?bbqm?!$ ?m?*oG8-x?AL?J4?~:pΨ?\].?S:X?"u?ɳ?'9?eB'1979-80 Japan All Company, MaleA\John S. Brake 75273,3722 from spreadsheet supplied by colleages at Mercantile & General Re =Intercompany study by Japan Mortality Investigation Committee 1979 to 1980 HKnown as the Fourth Experience Table Rates at high ages seem pretty low?  UUh㈵T?R\U]Q?_QK?N ^E?+ٱA?%>?t^c:? W8?Ǻ6?d3?Mb0?iUMu/?D8 1?MP4?yCn;?dC? WH?ŏ1w-!O?]Q?U+S?kC8S?HPsR?]Q?r&"P?XjP?ŏ1w-!O?%N?H}M?K8L?"L?"L?=\r)M?!JN?MbP?+ٱQ?dS?MۿҤT?q@HV?*5{X?-C6Z?[[%X\?!J^?`?lsczb?YLl> e?9̗g?h uj?nSm?Xjp? rhq?7r?MPt?EV v?иp $ x?JiWVz?!u|? ?J4?Րǂ?iWV?؞Y?,?{?׻??70?Py?Ǣdp?ea?P?>yX5͛?sמ?@m?\m?/ ?<;k? F%u?d?иp $ ?5;Nѱ?c@zdz??X0_^?+<?eu?&:?P2b?!V'#1979-82 UK AF80 Female, Age nearestSRoger Scott Lumsden 75147,2620FCMIR mortality studies, direct permanent standard individual insurance Deaths 7,3901979 to 1982 policy yearsNumber of Lives Each duration for ages 17-91 is fitted independently to a series of formulae which are extensions of the Gompertz-Makeham (GM), using Chebysheff polynomials. Female used the GM(2,2) form Duration 1 above age 75 and ultimate below age 28 were changed. Ages 1-16 were taken as 100% of ELT 14 (pop'n) for ultimate, duration 1 at 83.7%, duration 2 at 92.5% (roughly) Age 0 from ELT 14 omitting deaths in the first month of life. SContinuous Mortality Investigation Reports Numbers 9 and 10 also JIA 115 and TFA 41 YThis is the 2 year select table. Standard for UK work. AF stands for Assured Lives Female  wZ` 4LmN? E?H}=?FCƣTC?'eRC;?MP4?ꫫ8?Q+2?Mb0?VL0?RG.?K8,? iTd+?ฌ*?-C6*?{(?VF?(? W(?[%?&|'? W(?'$?&|'?9̗'?'$?k$ %?9̗'?=#?k$ %?9̗'?=#?k$ %?9̗'?=#?k$ %? W(?=#?&|'?K8,?'$?ฌ*?C8 1?{(?iUMu/?a2U0*3?صݒ,? I'2?u 4?_s0?2?A3?0?$D2?Os"3?`/?+ٱ1?Q+2?IӠh.?R\U]1?2?z-?1zn+1?gej2?() ,?C8 1?מY2?*6u!+?VL0?gej2?y*?C8 1?vꭁ2?vk )? fh<1?d3?.)?t>9?z-?8*5{5?2;?F̱.?&|7?0&>?Mb0?ꫫ8?Mb@?*31??_F?VCKO?70@?8CI? fhs֧\?U+c?Sr/0+T?P_?nʆ5e?30&V?a?)Wxg?y'LX?TO}c?ui?9vZ?qe?̯l?x!]?SKg?=~oo?`_?qimj?"uq? 8@da?i:m?kC8s?#=b?<-?p'p?%ju?D6.6d?'q?SKw??$Df?{s?Tގpz?ӄ'c|h?T:u?NC}?|ԗj?x?BF1?{O崧l?8nz?Q?Yo? H<}? (ԃ?0Hp?77M?"?sLhr?x #??;bF? Fs?-'􅐃?0{vڊ?.u?Ϡ?JE?2p@Kw?,+MJA?`!sePm?ؖg)y?ù?~1[*?!'*{?-[닄?Sȕz? N}?l%?U&5?`Ù?F \?:*?'0?fv?A`"?eV?W"?> ?z?u=u?d?2CP5z?ԱJ?`s M?噇?Kě?u6?='o|?-zy?i>Q?`9z?]N I?jP? $}ZE? O!W?`80?%*?2?? 4ג?aE| ?%C?;Mf?>*?K1=?S?3xy?y?b ?kЗ?F(%?K??q?2&c??x?ԁV_?.o׺?8h?<ؖ?`6?=4a?Kɴ?kGq::?1PN?FB[Υ??SUh ?unڌӸ?đ?Yw?gDio?C?p[[x^*?{`?u7Ou?pH?ڧ?Jc?.4i?7~T?nKX?k}Жs?W?_n?c[? gI?!yvy? w?ve? ?hUM? .V`?cw?(\?%y? Ct?a'!1979-82 UK AM80 Male, Age nearestSRoger Scott Lumsden 75147,2620FCMIR mortality studies, direct permanent standard individual insurance Deaths 95,0231979 to 1982 policy yearsNumber of Lives Each duration for ages 17-91 is fitted independently to a series of formulae which are extensions of the Gompertz-Makeham (GM), using Chebysheff polynomials. Male used the GM(2,2) form except ultimate above age 80 using GM(2,3) Ages 1-16 were taken as 100% of ELT 14 (pop'n) for ultimate, duration 1 at 80.6%, duration 2 at 92.3% (roughly) Age 0 from ELT 14 omitting deaths in the first month of life. SContinuous Mortality Investigation Reports Numbers 9 and 10 also JIA 115 and TFA 41 WThis is the 2 year select table. Standard for UK work. AM stands for Assured Lives Male  wZ` o'Q?.I?70@?QfL2rF?!J>? W8?bo:?pY7?Ǻ6?u 4?o +5?h㈵4?g,{2?1ZGU3?a2U0*3?hY0? I'2?+ٱ1?+,/?PۆQ0?Mb0?ltOq,?RG.?iUMu/?]pX*?&z,?iUMu/?/PR`L)?&z,?iUMu/?/PR`L)?&z,?C8 1?/PR`L)?iUMu/?d3? iTd+?¾D1?q@H6?F̱.?_% 4?t^c:?A 1?àL8?R\U]A?8*5{5?a@?=- N?;s ;?[[%XL?NM?E|'fH?Q,J?h9CmK?};l"3G?Tqs*I?ɐcI?E?pG?nHJzH?=ԶaD?mUYF?};l"3G?Os"C?$xCE?lE?8ӅXA?x C?  RD?VL@?dC?IpD?Xj@? I'B?bDC?Y+>?LnA?vꭁB?_>Y1\=?hY@?E&HB?ltOq?,amB?5F?_#I@?{GzD?4 ;H?¾DA?dTkaF?=E~K?#=B?ޏ/H? 0M?(G`D?겘|\K?$ -P?GF?k*.N?kR?8CI?: vQ?cJU?1߄BL?Os"S?pW?En1O?zU?!Z?R\U]Q?*5{X?ǜgK6^?9yYS?Oʤ6[?: va?qU?7h>^? 3mJc?|A X?hY`? K?+ص?VBwI|?_܃?vT5A}?>$|o~?A)Z?;J?ŊLÀ?M 4s?]gE?8?'p?)ahur?ρȃ?pnꐋ?V횐֘?Z}u?L֍?ULpv?1A?:w^"?W?..?ho?|&i?t? ??ݳђ?]m{?=e5]Ot?K?+MFa?IVя?Kqߕ?F жu?67',?2?4Eӻ?:\=셒? X?Q0c 8?S8?pUj@?S.?Q5U?4fI?St?(?6qr?y7?9?iܛߠ?mUٳ?jTQʚ?F|'f?m;mƵ?%:˜?Te? Qڷ?u<?KǤ??N g???6?Ѳ ѡ?P1Χ? ^??t=u?3(?f||?C,cC7?Cl?, ?7i?v?9#J{?jh ?V?}<ݭ,?صݒ? o}?p%;6?kծ?r.Ue?;?lѬ?۲?|@3i?ŬC9Ѯ?k ?։?A|`?,S?mnL?=?wR~R?v/Q??Ǚ&l??}?7ǹMW?Co?\?'*?)&oo?^ D?ù?%@7?,;?)r#?O!WY??Zd;?j+?QnH?1?)?t?'?.'$1979-82 UK AM80[5] Male, Age nearestSRoger Scott Lumsden 75147,2620FCMIR mortality studies, direct permanent standard individual insurance Deaths 95,0231979 to 1982 policy yearsNumber of Lives Each duration for ages 17-91 is fitted independently to a series of formulae which are extensions of the Gompertz-Makeham (GM), using Chebysheff polynomials. Male used the GM(2,2) form except ultimate above age 80 using GM(2,3) Values for duration 2 below age 28 were adjusted to be below ultimate. Ages 1-16 were taken as 100% of ELT 14 (pop'n) for ultimate, duration 1 at 80.6%, duration 2 at 92.3%, durations 3-5 at 97.8% (roughly) Age 0 from ELT 14 omitting deaths in the first month of life. SContinuous Mortality Investigation Reports Numbers 9 and 10 also JIA 115 and TFA 41 This is the 5 year select table. Optional for UK work. Durations 1, 2 and ultimate are the same as AM80, 3-5 are a single set of values. AM stands for Assured Lives Male  wZo'Q?.I?PۆQ@?DXP8?[ i6?h㈵4?QfL2rF?!J>?DXP8?[ i6?ro~D4?a2U0*3?bo:?pY7?[ i6?ro~D4?8j33?+ٱ1?u 4?o +5?ro~D4?8j33?]/M1?Mb0?g,{2?1ZGU3?8j33?]/M1?Z H/?iUMu/?hY0? I'2?]/M1?Z H/?!J.?iUMu/?+,/?PۆQ0?Z H/?!J.?!J.?iUMu/?ltOq,?RG.?!J.?!J.?!J.?C8 1?]pX*?&z,?!J.?!J.?ti0?d3?/PR`L)?&z,?!J.?ti0?2?q@H6?/PR`L)?&z,?ti0?2?k$ 5?t^c:?/PR`L)?iUMu/?2?k$ 5?G:?R\U]A? iTd+?¾D1?k$ 5?G:?VL@?=- N?F̱.?_% 4?G:?VL@?zN?NM?A 1?àL8?VL@?zN?3.L?h9CmK?8*5{5?a@?zN?3.L?yJ?ɐcI?;s ;?[[%XL?3.L?yJ?H?nHJzH?E|'fH?Q,J?yJ?H?OYM]G?};l"3G?};l"3G?Tqs*I?H?OYM]G?%F?lE?E?pG?OYM]G?%F?D?  RD?=ԶaD?mUYF?%F?D?FCƣTC?IpD?Os"C?$xCE?D?FCƣTC??̔B?bDC?8ӅXA?x C?FCƣTC??̔B?5l/B?vꭁB?VL@?dC??̔B?5l/B?uA?E&HB?Xj@? I'B?5l/B?uA?R\U]A?uB?Y+>?LnA?uA?R\U]A?BDA? I'B?_>Y1\=?hY@?R\U]A?BDA?LnA? 8KrB?ltOq?,amB??$DF?$@H?Xo J? 0M?_#I@?{GzD?$@H?Xo J?-sM?$ -P?¾DA?dTkaF?Xo J?-sM?ӹP?kR?#=B?ޏ/H?-sM?ӹP?)^R?cJU?(G`D?겘|\K?ӹP?)^R?pT?pW?GF?k*.N?)^R?pT?ܚt["W?!Z?8CI?: vQ?pT?ܚt["W?1Y?ǜgK6^?1߄BL?Os"S?ܚt["W?1Y?2]?: va?En1O?zU?1Y?2]?%<`? 3mJc?R\U]Q?*5{X?2]?%<`?b)b? K^?b)b?p ?Jd?e3f?tk?|A X?hY`?p ?Jd?e3f?Ah:;i?gp?$`tys?: U܈?>$@M-?]gE?VBwI|?_܃?: U܈?>$@M-?аu?)ahur?>$|o~?A)Z?>$@M-?аu??0?V횐֘?ŊLÀ?M 4s?аu??0?xcAaP?ULpv?8?'p??0?xcAaP?D9?W?ρȃ?pnꐋ?xcAaP?D9?.熦?|&i?Z}u?L֍?D9?.熦?CH?]m{?1A?:w^"?.熦?CH?6, ?+MFa?..?ho?CH?6, ?X?[ i6?MۿҤ4?h㈵4?u D?z>?[ i6?MۿҤ4??̔2?a2U0*3?d< 8?[ i6?MۿҤ4??̔2?+ٱ1?+ٱ1?A 1?MۿҤ4??̔2?+ٱ1?`/?Mb0?3ۃ0??̔2?+ٱ1?`/?H}-?iUMu/?RG.?+ٱ1?`/?H}-?3O,?iUMu/?3O,?`/?H}-?3O,?3O,?iUMu/? 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L?RTSA 1991-92 Reports, pp 701-729 Academy Alert 95-L-2 (2/27/95) Values were originally reported as ALB and corrected by Academy Alert There is a version with select values past 70 but I don't have a copy CIA stands for Canadian Institute of Actuaries  iF $t^cJ?+ٱA?q@H6?%.?q@H&?מY"?מY"?מY"?C8 !?C8 !?iUMu?iUMu?מY"?h㈵$?-C6*?iUMu/?+ٱA?q@H6?%.?q@H&?מY"?מY"?מY"?C8 !?C8 !?iUMu?iUMu?מY"?h㈵$?-C6*?iUMu/?מY2?q@H6?%.?q@H&?מY"?מY"?מY"?C8 !?C8 !?iUMu?iUMu?מY"?h㈵$?-C6*?iUMu/?מY2?MP4?%.?q@H&?מY"?מY"?מY"?C8 !?C8 !?iUMu?iUMu?מY"?h㈵$?-C6*?iUMu/?מY2?MP4?h㈵4?q@H&?מY"?מY"?מY"?C8 !?C8 !?iUMu?iUMu?מY"?h㈵$?-C6*?iUMu/?מY2?MP4?h㈵4?h㈵4?מY"?מY"?מY"?C8 !?C8 !?iUMu?iUMu?מY"?h㈵$?-C6*?iUMu/?מY2?MP4?h㈵4?h㈵4?MP4?מY"?מY"?C8 !?C8 !?iUMu?iUMu?מY"?h㈵$?-C6*?iUMu/?מY2?MP4?h㈵4?h㈵4?MP4?MP4?מY"?C8 !?C8 !?iUMu?iUMu?מY"?h㈵$?-C6*?iUMu/?מY2?MP4?h㈵4?h㈵4?MP4?MP4?MP4?C8 !?C8 !?iUMu?iUMu?מY"?h㈵$?-C6*?iUMu/?מY2?MP4?h㈵4?MP4?MP4?a2U0*3?MP4?8*5{5?C8 !?iUMu?iUMu?מY"?h㈵$?-C6*?iUMu/?מY2?MP4?MP4?MP4?a2U0*3?a2U0*3?a2U0*3?h㈵4?q@H6?iUMu?iUMu?מY"?h㈵$?-C6*?iUMu/?מY2?a2U0*3?MP4?MP4?a2U0*3?a2U0*3?a2U0*3?h㈵4?q@H6?9̗7?iUMu?מY"?h㈵$?-C6*?iUMu/?מY2?a2U0*3?MP4?MP4?a2U0*3?d3?a2U0*3?MP4?8*5{5?9̗7?'>9?מY"?h㈵$?-C6*?iUMu/?מY2?a2U0*3?MP4?a2U0*3?d3?d3?d3?MP4?8*5{5?Ǻ6? W8?t^c:?h㈵$?-C6*?iUMu/?מY2?a2U0*3?MP4?a2U0*3?d3?d3?d3?a2U0*3?h㈵4?Ǻ6?VF?8?-C6:?K8?iUMu/?מY2?a2U0*3?a2U0*3?d3?מY2?מY2?מY2?d3?MP4?8*5{5?9̗7?'>9?yCn;?%>?Mb@?+ٱ1?d3?a2U0*3?d3?מY2?+ٱ1?+ٱ1?d3?MP4?8*5{5?Ǻ6? W8?t^c:?H}=?Xj@?+ٱA?d3?d3?d3?מY2?+ٱ1?+ٱ1?מY2?a2U0*3?h㈵4?Ǻ6?VF?8?t^c:?K8?C8 A?vꭁB?MۿҤD?+ٱ1?C8 1?C8 1?C8 1?+ٱ1?d3?MP4?8*5{5?9̗7?'>9?yCn;?%>?70@?מYB?MPD?q@HF?Mb0?Mb0?Mb0?C8 1?מY2?a2U0*3?h㈵4?Ǻ6? W8?t^c:?H}=?Mb@?/nB?a2U0*C?N ^E?VF?H?%.?iUMu/?Mb0?+ٱ1?d3?MP4?q@H6?VF?8?-C6:?K89?3.?C8 A?vꭁB?h㈵D?kHcCG?I?"L?yCn+?iUMu/?C8 1?d3?MP4?q@H6?VF?8?t^c:?H}=?Mb@?מYB?MPD?#-#F?Ah:;I?_QK?ŏ1w-!O?yCn+?Mb0?+ٱ1?a2U0*3?8*5{5?9̗7?-C6:?K8?C8 A?dC?_LE?c#G??ŊJ?6YM?p>?P?BR?yCn+?C8 1?d3?8*5{5?9̗7?t^c:?H}=?Mb@?מYB?MۿҤD?ǺF?I?K8L?*g\8P?/nR?MPT?yCn+?+ٱ1?MP4?q@H6?'>9?3.?C8 A?1ZGUC?8*5{E?VF?H?m2K?~tgyN?J4Q?U+S?8*5{U?VF?X?K8,?d3?q@H6?'>9?K8?R\U]A?x C?#-#F?Ah:;I?"L?XjP?5l/R?{GzT?ǺV?Y?wJ\?%.?h㈵4? W8?K8?+ٱA?MPD?kHcCG??ŊJ?%N?C8 Q?U+S?8*5{U?(XQiX?yCn[? <^?P6 ra?Mb0?9̗7?3.?/nB?h㈵D?c#G?yCnK?iUMuO?]Q?MPT?ǺV?[| Z?nS]?p>?`?vꭁb?YLl> e?+ٱ1?t^c:?Mb@?1ZGUC?#-#F?-C6J?6YM?C8 Q?kC8S?_vOV?oӟHY?"\?Xj`?5l/b?{Gzd?g?מY2?K8?dC?#-#F??ŊJ?!JN?]Q?MPT?kHcCW??ŊZ?%^?4 a?1ZGUc?s.Uee?E|'fh?_Qk?h㈵4?70@?MۿҤD?~jtH?K8L?r&"P?kC8S?q@HV?'>Y?wJ\?p>?`?lsczb?+~7e?Gŧh?k?O;5Yn?q@H6?/nB?q@HF?t^cJ?iUMuO?מYR?_LU?(XQiX?_Q[? x#_?Q,b?6ُd?+eXg? .V`j?6Ym?bp?9̗7?1ZGUC?VF?H?=\r)M?J4Q?x S?kHcCW?Q,Z?O;5Y^?P6 ra?Pc?#-#f?N ^i?wJl?Mbp?Br?'>9?h㈵D??ŊJ? x#O?HPsR?N ^U?a+eY?=\r)]? ^)`?U+c? K e?c#g?#Gk? "Db?/"e?ϛTh?_Qk? x#o?g\8r?6ُt?eNw? .V`z?6Y}?מYB?XjP?MPT?E|'fX?nS]?~oӟHa?nd?eS.g?Q,j?Ws`n?P6 rq?j+s?#-#v?N ^y?bg }?Sg?x C?R\U]Q?q@HV?F%u[?Vc#`?3kb?EV f?|DL$zi?nSm? ^)p?U+s?u?7x?3.|?q?g\8?8*5{E?dS?VF?X?d]?"ua?Hh˹d? 0*h?VIk? Wp?;Onr?0*u?иp $ x?5A}R{?:f?n2d?j+݃?kHcCG?MۿҤT??ŊZ?*g\8`?1ZGUc?"f??Ŋj?Qn?n\q?ׁsFt?eS.w?{Pkz?q>?~?Q?1ZGU?s.Ue߅?Ah:;I?#-#V?wJ\?a?+~7e?HPh?ZӼm?bp?'@js?q@Hv?|DL$zy?bg }?7?lscz‚?BB?Mb?m2K?E|'fX? x#_?'@jc?kHcCg?겘|\k?qo?Br?Ih˹Wu?|~x?1߄B|?q?5l/?MۿҤ?b֋h?B&9 {?H}M?F%u[?R\U]a?_Le?|DL$zi?q>?n?nq?]`7l[t?=mw?)'$z?!J~?n2d?x ?fIZ?'IL?D$?XjP?H}]?dc?+eXg?VIk?>p?UN@s?46M|?TB?%ǝ?BB?F ^/?{?yѩ+?iR ?HPsR?"ua?^/ f?h:;l?bp?j+s? m9w?z?ŏ1w-!?7?{Gz?dF ^?9v?׻??#bJ$?'@j?{GzT?UN@c?HPh?!Jn?Pyr?u?1䠄y?d}?o_?a2U0*?쁆?ݵ|г?2ZGUD?7T7?"^Fܒ?#-R\?q@HV?YLl> e?겘|\k?r&"p?ׁsFt?gj+w??߾|?H?7̂?8*5{?~Tˆ?FjH? W?mQfL?\?9m4?*5{X?0ACg? m?Br?-=v?&Kz?!J~?VF?'"??$7?m?0Bx?1w-!?0Ӗ?C4ؙ?-C6Z?ض(A&i?-lp?ׁsFt?(XQix?!u|?&pn?a2U0*?fIZ?_5!?S.?o_?2y?£#?$EdX?>?m?[[%X\?yCnk?/nr?-=v? {z?m?3mJ?^K=?,?-[닄?pqt?7̒?KTo l?,)W?y?P0AC?!J^?%n?"s?(XQix?)h}? rh?i&k?dw?S!uq?r]?+5{?0?Zd;O?1BxqĚ?;Nё\?oe1?70`?ezFwp?8*5{u? {z?Vc#?7l[ ?w-!l?m?)"*?z6>W[?£#?e1?ѩ+?!Yn? B?"-?Q,b?/nr?xĬw?uv28J^}?+ٱ?ˡE?)D/?ʦ?ek}?"??ܕ?HP?Pkw?vq -? cZ?LƤ?a2U0*c?s?y? W?=~o?{? ^/ ?CVzNz?m4?L2r?c ?-σv?VCK?apɡ?<,?,&6צ?_Le?Ϡu?>?m|?n\?o/iQ?}:3P?<;k?닄K?3K?Y?F_Ah?!<8b-?^2?6T?fj+?(A&?g?9̗w?yѩ+?r_?)t^c?\ʋ?4O?\m?#gaO;?}:3P?4)?LTo l?l? h"lxz?*g\?y):?oӟHi? o_y?Q?LyX5͛?Pc*?~!<8?47¤?EdX?)"ê?H?k?J8|?PLۿ?E>'I?)\(?( ?NGɫ?V`?ݓ?y;i?od?3?=Ifͦ? Y?Oec? -?)hm?s~?{Gz? r߉?d?4)^?.񝘕?F(?H.!?.;1Š?`"D?dwW??P'%1982-88 Canada CIA Basic Female, LastSRoger Scott Lumsden 75147,2620JCanadian Institute mortality studies, direct standard individual insurance(1982 to 1988 policy years, 6 study yearsAmounts of Insurance Calculated from age nearest. There was no official ALB version published. I applied the method used in CIA 86-92 to calculate these. CIA stands for Canadian Institute of Actuaries  hF$9̗G?K89?3.9?yCn;?H}=?K8,?C8 1?d3?a2U0*3?a2U0*3?d3?מY2?מY2?d3?MP4?8*5{5?Ǻ6? W8?t^c:?H}=?Xj@?C8 1?מY2?a2U0*3?a2U0*3?d3?מY2?מY2?מY2?a2U0*3?h㈵4?q@H6?VF?8?-C6:?K89?3.?70@?מYB?מY2?d3?מY2?+ٱ1?+ٱ1?+ٱ1?d3?MP4?8*5{5?Ǻ6? W8?yCn;?%>?Mb@?/nB?x C?+ٱ1?+ٱ1?C8 1?C8 1?+ٱ1?מY2?a2U0*3?h㈵4?Ǻ6? W8?t^c:?H}=?Xj@?+ٱA?a2U0*C?8*5{E?C8 1?Mb0?Mb0?C8 1?+ٱ1?d3?MP4?q@H6?VF?8?-C6:?K89?yCn;?!J>?70@?vꭁB?MۿҤD?ǺF?Ah:;I?K8,?iUMu/?Mb0?+ٱ1?d3?h㈵4?q@H6? W8?t^c:?H}=?Mb@?/nB?x C?q@HF? WH?yCnK?yCn+?iUMu/?C8 1?מY2?MP4?8*5{5?9̗7?-C6:?K89?3.?C8 A?dC?h㈵D?9̗G?-C6J?=\r)M?*g\8P?yCn+?Mb0?מY2?a2U0*3?q@H6?VF?8?t^c:?H}=?70@?מYB?MۿҤD?ǺF?'>I?"L? x#O?+ٱQ?yCn+?C8 1?d3?h㈵4?Ǻ6?'>9?K8?C8 A?1ZGUC?8*5{E?c#G?t^cJ?%N?r&"P?dS?/"U?yCn+?+ٱ1?MP4?Ǻ6?-C6:?H}=?Mb@?מYB?MۿҤD?kHcCG?-C6J?=\r)M?MbP?BR?MۿҤT?W?K8,?מY2?8*5{5? W8?3.9?%>?C8 A?a2U0*C?q@HF?'>I?K8L?*g\8P?מYR?T?=mW? .V`Z?d]?70`?iUMu/?Ǻ6?yCn;?Xj@?vꭁB?_LE?VF?H?yCnK?iUMuO?+ٱQ?׆q&T?"V?'>Y?K8\?hUM`?מYb?Mb0?VF?8?H}=?R\U]A?x C?ǺF??ŊJ?%N?C8 Q?1ZGUS?N ^U? WX?1߄B\?;f_?]a?nd?C8 1?-C6:?iUMu??vꭁB?8*5{E? WH?K8L?MbP?vꭁR?/"U?*5{X?m2[?!J^?R\U]a?Nz1c?EV f?מY2?yCn;?C8 A?MPD?9̗G?m2K?ŏ1w-!O?]Q?MPT?kHcCW? .V`Z?6Y]?r&"`?9]c?fʉve?VF?h?d3?%>?מYB?N ^E?'>I?H}M?C8 Q?kC8S?q@HV?a+eY?K8\?hUM`?Bb?ZӼd?9̗g?9vj?MP4?Xj@?x C?9̗G?_QK?XjP?vꭁR?_LU?(XQiX?_Q[?;f_?ƊLa?MPd?Ǻf?i?W!'>m?8*5{5?R\U]A?8*5{E?I?%N?nQ?MPT?kHcCW?Q,Z?~tgy^?~oӟHa?a2U0*c?q@Hf?Ah:;i?"l? Wp?Ǻ6?vꭁB?kHcCG?3.L?p>?P?U+S?q@HV?'>Y?nS]?70`?dc?Ϡe?|~h?@_k?VCKo?+ٱq? W8?MPD?Ah:;I?~tgyN?/nR?h㈵T?VF?X?1߄B\?Xj`?j>"Db?ZӼd?xĬg?t^cj?~tgyn?J4q?~jts?-C6:?N ^E?yCnK?70P?a2U0*S?ǺV??ŊZ?O;5Y^?"ua?nd?^/ f?[| j?m?Tp?3kr?ُau?3.?I?MbP?3fS?=mW?yCn[?q_?;Onb?/"e? 0*h?%]3fk?iUMuo?]q?@j';t?I2v?y?Mb@?3.L?]Q?8*5{U?Y?%^?na?@j';d?eS.g??Ŋj?_vOn?~oӟHq?խs?-=v?( 0y?Pkw|?+ٱA?!JN?kC8S?9̗W?3.\?ezFw`?U+c?+H3f?|DL$zi?=\r)m?PNp?eI)r?fu?)sx?@_{?K=U?dC?70P?_LU?Y?!J^?Q,b?YLl> e?ϛTh?1߄Bl? p?}"Or?x@t?,+MJAw?)'$z?~tgy~?E>?MۿҤD?5l/R?kHcCW?[[%X\?r&"`?3fc?g?Q,j?Qn?"uq?#t?Ǻv?mz? X4}?.;1ŀ?eI)?q@HF?3fS?a+eY? <^?Bb?gse?}:3Pi?nSm?r&"p?r_s?_vOv?Ah:;y?y&1|?H?s?L~ބ?VF?H?8*5{U?_Q[?`?@j';d?IZg?#EdXk? Wp?Y4 r?BBu?ϛTx?B ܺ{? ?Q?:K?D?-C6J?9̗W?~tgy^? ab?+H3f?_5!j?Ws`n?+ٱq?1%et?)t^cw?W 3z?2%~? 'X??46M|?G8-xW?Րǂ?/$?E a?#?X9v?T5A}?t{Ic?_LU?׆q&d?-C6j?Vc#p?r_s?I2v? {z?m?|y?MۿҤ?GĔH??W?*oG8-x?Yn͓?w-!l?W?EV f?y&1l?+ٱq?BBu?ض(A&y?)h}?6ُ?"?m?6?>?S:X?OI5? K?$([?}bٝ?d]?K8l?sr?+eXw?h:;|?7T7?kC8?׻?ޫ?-C6?%?S"^F?],σ?G|?'>?ZK?C+j?Xj`? o?M Ot?y?s~?j>"D?KTo l? W?>tA}ˌ?ek}?\m?4KԲ? '?h:;?㪲??5^I ?R\U]a?E>q?؞Yv??߾|?&pn?n?+ٱ?a?U+~?HȰ7?i?$ۗ?>$@M-?Hm?5?ףp= ף?HPsb?sr?5)^x?!J~?3mJ?EV ?C4؉?q>??4c?MJ?4i?_9?ʦ\?j?kF=D?䃞ͪϥ?{Gzd?MۿҤt?m2{?r&"?8d`?F ^/?ǵb?a?]3f?f?}R8?ޓZӜ?z]zk? m9⪢?@a+??+H3f?o\v?%}?B?9]??Ŋ?yѩ+?L1%?ˡE?Z*oG8-?Օ?[| j?z?7?fC?)'$?N`?'†Wʒ?Mg'?KqU?\Z {,?CK?O}:?Ӽɥ?~T¨?x ? TƯ?lxz,Cl?G=D;}?Nz1?(XQi?G=D;?oŏ?3?иp $ ?sқ?8b->?,`?8̒?{?].;1?iW!'ծ?`p?O;5Yn?Vc#?fʉv?1BxqĊ?P}:3?/ ҌE?؞Y?Bf?Ws`?~R?ME*-?{?BsF?<ڭ?]C?e6$?ǘp?n\?˹W}?nS?W2đ?0L F%?7ܘ?B>٬?.;1Š?'XQ?bJ$(? Q?>'I׬?Mb?ަ??S:? ?7[ A?ꕲ q?f,N?g?%?\wb?zrK?9zަ?%e??f?s]?|~!?16T?҇.?L?M2r??D['01982-88 Canada CIA Basic Female, Nonsmoker, LastSRoger Scott Lumsden 75147,2620JCanadian Institute mortality studies, direct standard individual insurance(1982 to 1988 policy years, 6 study yearsAmounts of Insurance Calculated from age nearest. There was no official ALB version published. I applied the method used in CIA 86-92 to calculate these. CIA stands for Canadian Institute of Actuaries  hFMb0?מY2?d3?מY2?+ٱ1?C8 1?C8 1?C8 1?מY2?d3?MP4?q@H6?9̗7?'>9?yCn;?%>?+ٱ1?מY2?מY2?+ٱ1?C8 1?Mb0?C8 1?+ٱ1?d3?MP4?8*5{5?Ǻ6? W8?t^c:?H}=?Xj@?+ٱ1?+ٱ1?C8 1?Mb0?Mb0?Mb0?+ٱ1?מY2?a2U0*3?h㈵4?Ǻ6?VF?8?t^c:?K8?70@?מYB?iUMu/?iUMu/?iUMu/?iUMu/?Mb0?+ٱ1?d3?MP4?8*5{5?9̗7?'>9?yCn;?%>?Mb@?/nB?x C?K8,?%.?%.?Mb0?C8 1?מY2?a2U0*3?h㈵4?Ǻ6? W8?t^c:?H}=?Xj@?+ٱA?1ZGUC?_LE?yCn+?K8,?iUMu/?Mb0?+ٱ1?d3?MP4?q@H6?9̗7?-C6:?K89?yCn;?%>?70@?מYB?MPD?#-#F? WH?-C6*?%.?iUMu/?C8 1?d3?MP4?q@H6?VF?8?t^c:?H}=?Mb@?/nB?x C?N ^E?VF?H?t^cJ? W(?%.?Mb0?+ٱ1?a2U0*3?8*5{5?9̗7?-C6:?K8?C8 A?vꭁB?MۿҤD?ǺF?'>I?"L?iUMuO? W(?iUMu/?+ٱ1?a2U0*3?8*5{5?9̗7?-C6:?H}=?Mb@?/nB?x C?q@HF? WH?yCnK?!JN?J4Q? W(?iUMu/?מY2?MP4?Ǻ6?'>9?3.?70@?vꭁB?h㈵D?9̗G?-C6J?=\r)M?*g\8P?5l/R?MPT? W(?C8 1?a2U0*3?q@H6?'>9?K8?R\U]A?1ZGUC?N ^E?~jtH?yCnK?!JN?J4Q?1ZGUS?8*5{U?*5{X?-C6*?d3?q@H6?'>9?K8?+ٱA?x C?#-#F?'>I?K8L?*g\8P?5l/R?MPT?ǺV?Y?K8\?K8,?h㈵4? W8?K8?/nB?MۿҤD?kHcCG??ŊJ?%N?C8 Q?U+S?8*5{U?VF?X?겘|\[?!J^?~oӟHa?%.?9̗7?3.?/nB?MۿҤD?c#G?yCnK?ŏ1w-!O?+ٱQ?׆q&T?"V?Y?wJ\?Mb`?;Onb?d?C8 1?-C6:?Mb@?1ZGUC?#-#F?I?6YM?C8 Q?1ZGUS?N ^U? WX?3.\? x#_?ƊLa?@j';d?^/ f?+ٱ1?3.?dC?#-#F??ŊJ?~tgyN?nQ?׆q&T?W?-C6Z?6Y]?r&"`?9]c?8*5{e?|~h?@_k?MP4?Mb@?MPD?VF?H?"L?70P?U+S?N ^U?Ah:;Y?y&1\?hUM`?Bb?h㈵d?g?ALj?~tgyn?8*5{5?+ٱA?N ^E??ŊJ?ŏ1w-!O?5l/R?h㈵T?*5{X?yCn[?iUMu_?]a?MPd?g?-C6j?dm? ^)p?Ǻ6?dC?c#G?K8L?C8 Q?3fS?ǺV? .V`Z?%^?J4a?a2U0*c?9]f?a+ei?K8l?G8-xWp?Br?VF?8?MۿҤD?I?ŏ1w-!O?BR?8*5{U?oӟHY?K8\?p>?`?3kb?Ϡe?~jth?VIk? x#o?/nr?Ƣdpt?-C6:?q@HF?3.L?C8 Q?׆q&T?9̗W?겘|\[?;f_?Q,b?d?g?F%uk?!Jn?ek}q?Ps?o\v?3.?-C6J?70P?MPT?*5{X?[[%X\?ezFw`?dc?s.Uee?ض(A&i?̯l?-lp?+r?Ih˹Wu?VF?x?pn{?Mb@?"L?5l/R?_vOV? .V`Z? <^?/nb?ZӼd?*5{h?@_k?mo?Q,r?M Ot?Zd;Ow?<,z?2%~?+ٱA?ŏ1w-!O?3fS?VF?X?K8\?`?3fc?Ǻf??Ŋj?~tgyn?ek}q?x s?^/ v?[| z?d}?r&"?dC?r&"P? KtA}|?-l?PLۿ?MۿҤD?BR?W?wJ\?R\U]a?{Gzd?Gŧh?_Qk? Wp?Y4 r?_Lu?(XQix?yt{?u?5l/?ۅ:?q@HF?׆q&T?[| Z?q_?9]c?I +f? .V`j?Qn??RDUq?{Gzt?vӂw?z?VC~?5Y?M(D!?Ǻ?c#G?_vOV?"\?na?h㈵d?5)^h?ZӼm?&pnp?Nz1s?#-#v? F%uz?gy}?6ُ?D ?ZM?%jj?-C6J?*5{X?VCK_?UN@c?g?겘|\k? p?vꭁr?8*5{u?HPx?̯|?>?3k?b? '?3.?"L? .V`Z?4 a?/"e?a+ei?%n?+ٱq?iWVt?c#w?%]3f{?=~o?DQOI?0[w?AJi?a?~@?!JN?wJ\?HPsb?kHcCg?1߄Bl?ǘp?kC8s?"v?{Pkz?Ws`~?"u?@j';?ܝ.4? ?:X0_?3yS?70P? x#_?Hh˹d?'>i?!Jn?}"Or?Ϡu?ض(A&y?W!'>}?&pn?kC8?w-!l??YBs?bՐ?OI5?5l/R?R\U]a?"f?3.l?St$p?@j';t?9w? {?8ߡ(?+?f?bg ׈?"?mJR? m9⪒?_L?3fS?9]c?oӟHi?\4 o?lsczr?46?\ Ac̍?~oӟH?m?Á,`?Tގp?tv28J?P?N@aã?7T7`?&pnp?QfL2rv??߾|?Q?1%e?9 ?!>M?#?&?£#?V}b?yZK?GȠ?)D/?S?5l/b?&Sr?E|'fx? <~?"^F܂?o\?Q,?K=U?48EG?+~7?JY?[Ɏ@?aq89?镢?<8b->?|S:?3fc?/r]t?5A}R{?4 ?x@ل?,?!vy? 'X?=>?9m4?cz(?VCK?QQ?0*?܀#?B=Ъ?gse?#-#v?%~?3k?{?&?TގpZ?OI5? pUj?';?U+?R?o*R?1%?,dǦ?';?d?xĬg? Wx? v?b?V}b?խ?Q,?MD?5)^Ҙ?[%XΜ? v?"lxz,?4.?D$]3??Ƭ?28J^c? o_i?S!uq{?4)^??Sr3?S:X?'Nw( ?GȰ?4Ry?Pc*?QHm?+~7? 2Y?#0ܫ?P1ί?|\?3.l?CO}:~?:K? r߉?T:X0?^?fj+?[| ?,g?3ı.n?na?Yw??\ʮ?-l?x ?bE ?mnLO?}iƺ?ŏ1w?5ctv2?|'f?jv?Oec?~8gDi?HĔH?xZ?(yu?N?h:;?}"O?x@ٔ+?eN?Q,??܌V'31982-88 Canada CIA Basic Female, Nonsmoker, NearestSRoger Scott Lumsden 75147,2620JCanadian Institute mortality studies, direct standard individual insurance?Select Exposures $56.1 billion, Deaths $22.9 million (Canadian)(1982 to 1988 policy years, 6 study yearsAmounts of Insurance HThere was inadequate high duration data to permit a full graduation. The amounts of actual deaths and of CIA 82-88 expected were summed by attained age. Then the A/E ratios were fit to a beta-type model for graduation. Subsequently the Nonsmoker/Smoker ratios were changed from the fitted values so that the A/E ratios are 87%. >TSA 1991-92 Reports, pp 701-729 Academy Alert 95-L-2 (2/27/95) Values were originally reported as ALB and corrected by Academy Alert There is a version with select values past 70 but I don't have a copy CIA stands for Canadian Institute of Actuaries  iFiUMu/?+ٱ1?d3?d3?מY2?+ٱ1?C8 1?C8 1?+ٱ1?d3?MP4?8*5{5?Ǻ6? W8?t^c:?K8?מY2?מY2?+ٱ1?C8 1?Mb0?Mb0?C8 1?מY2?d3?MP4?q@H6?9̗7?'>9?3.?70@?+ٱ1?+ٱ1?C8 1?Mb0?Mb0?C8 1?+ٱ1?d3?MP4?8*5{5?Ǻ6? W8?yCn;?H}=?Mb@?+ٱA?Mb0?Mb0?iUMu/?iUMu/?Mb0?C8 1?מY2?a2U0*3?h㈵4?Ǻ6?VF?8?t^c:?K8?C8 A?vꭁB?MۿҤD?yCn+?K8,?%.?Mb0?C8 1?מY2?a2U0*3?8*5{5?Ǻ6?'>9?yCn;?%>?70@?מYB?x C?q@HF?-C6*?K8,?iUMu/?Mb0?+ٱ1?d3?h㈵4?q@H6?VF?8?t^c:?H}=?Xj@?+ٱA?a2U0*C?8*5{E?c#G?-C6*?K8,?iUMu/?C8 1?מY2?MP4?8*5{5?9̗7?-C6:?K8?70@?vꭁB?MۿҤD?#-#F?Ah:;I?_QK? W(?%.?Mb0?מY2?MP4?q@H6?VF?8?t^c:?H}=?Mb@?/nB?x C?q@HF?~jtH?m2K?%N? W(?%.?C8 1?d3?h㈵4?Ǻ6?'>9?3.?C8 A?vꭁB?h㈵D?kHcCG?I?K8L?XjP?]Q? W(?Mb0?מY2?h㈵4?9̗7?-C6:?K8?R\U]A?1ZGUC?8*5{E?VF?H?m2K?~tgyN?C8 Q?dS?/"U?-C6*?+ٱ1?MP4?Ǻ6?-C6:?H}=?70@?vꭁB?h㈵D?9̗G?-C6J?H}M?p>?P?BR?MۿҤT?W?-C6*?מY2?8*5{5? W8?3.I?"L?XjP?]Q?׆q&T?QfL2rV?Ah:;Y?yCn+?d3?Ǻ6?-C6:?%>?C8 A?1ZGUC?8*5{E?~jtH?yCnK?ŏ1w-!O?R\U]Q?kC8S?N ^U?~jtX?yCn[?yCn+?MP4?VF?8?3.9?%>?R\U]A?a2U0*C?q@HF?'>I?K8L?*g\8P?מYR?MۿҤT?kHcCW?[| Z?nS]?ezFw`?%.?q@H6?yCn;?Xj@?vꭁB?_LE?VF?H?yCnK?ŏ1w-!O?+ٱQ?x S?QfL2rV?a+eY?"\?Xj`?Q,b?iUMu/?VF?8?H}=?R\U]A?x C?ǺF?-C6J?6YM?C8 Q?U+S? K9?iUMu??vꭁB?8*5{E? WH?"L?*g\8P?BR?h㈵T?W?t^cZ?_vO^?4 a?1ZGUc? K"Db?MۿҤd?+eXg?&Kj?a2U0*3?iUMu??a2U0*C?kHcCG?yCnK? x#O?מYR?h㈵T?*5{X?겘|\[?ŏ1w-!_?+ٱa?x c?mf?N ^i?wJl?h㈵4?C8 A?_LE?Ah:;I?6YM?R\U]Q?x S?ǺV?-C6Z? ]?C8 a?'@jc?N ^e? Wh?lxz,Cl?qo?q@H6?מYB?ǺF?yCnK?*g\8P?HPsR? K?`?dc?gse?5)^h?[[%Xl?Vc#p?מYr?ZӼt?xĬw?K8q?a2U0*s?gv?|DL$zy?hn|?C8 A?6YM?dS?W?yCn[?*g\8`?3kb?s.Uee?Ah:;i?wJl?7T7p?ds?gsu?E|'fx?3.|? ?מYB?*g\8P?T?a+eY?%^?a?Hh˹d?*5{h?#EdXk?qo?מYr?h㈵t?gj+w?겘|\{?yѩ+??RDU?a2U0*C?+ٱQ?#-#V?@_[?p>?`?kC8c?^/ f?g uj?O;5Yn?"uq?@j';t?eS.w?_{fIz?;D~?E>?죃?_LE?1ZGUS? WX?~tgy^?5l/b?fʉve?ض(A&i?=\r)m?r&"p?~jts?9]v?N ^y?nS}?T?]3f?0r.Ņ?kHcCG?/"U?m2[?70`?x c?9̗g?@_k? Wp?&Sr?fʉvu?Էx?[[%X|?*g\8?:pΈ?hW!'?^c? WH?W?6Y]?מYb?N ^e?i?~tgyn??RDUq?6ُt?,+MJAw?5A}R{?K=U?|y? ϛ?HPs?}гY?m2K?Ah:;Y?hUM`?׆q&d? 0*h?y&1l? ^)p?Nz1s?Aǘv?E_Az?CO}:~? 'X?£#?D?6?Y/r?H}M?@_[?ƊLa?_vOf?9vj? o?Y4 r?8*5{u?$EdXy?wJ|?70?OI5?jt?gaO;5?>tA}ˌ?-l?XjP?_vO^?"c?ϛTh?nSm? rhq?{Gzt?^2w?#EdX{?Xj?B?1ZG?(XQi?VI?9(a?HȰ7?nQ?7T7`?8*5{e? {j?vq -p?OI5s?#-#v?{Pkz?Q~??{Gz?4 ?F%u? m?1ZGUs?9 x? QI}? ?M O?VF??lxz,C?iƢd?I?ԕ?P?ua?n?rPLۿ?q_? Wp?Ih˹Wu?%:z?P}:3?ݓZ?I2?%jjي?q]P?&R?o*?8̒?5ctv2?\ʛ?U؟?m4?eNŤ?R\U]a??RDUq?vӂw?YBs}?VF?KTo l?KqU?ui? 'X?M(D!?kHcC?<Κ?\ʞ?3ı.n?D;)?Ve?dc?D s?y?TB?Yn̓?R??߾?ezFw?OI5?"J?|\*ƙ?V-?镲 ?Oe?46W?ǵb?߾3? [?&N?]T?2#?cbqmh?mz?*oG8-x?N ^? {Ɋ?Xj?Op?JiW??;D?;6~?jjZ_$?s,&6?{w?F6?14?ALj?̯|? 3mJ?0*D? X4?W2đ?YLl> ?_)Ǻ?%7ۜ?x]?k[?q@H?RDU?=>tA?E_A?a?h㈵?H ?Q|??߾?4)ݾ??ZBs?(XQi?EB[?pqt?%?KR%?82?^ D?}iƢ?U+~?M֨?kF=D?&†W??c'-1982-88 Canada CIA Basic Female, Smoker, LastSRoger Scott Lumsden 75147,2620JCanadian Institute mortality studies, direct standard individual insurance(1982 to 1988 policy years, 6 study yearsAmounts of Insurance Calculated from age nearest. There was no official ALB version published. I applied the method used in CIA 86-92 to calculate these. CIA stands for Canadian Institute of Actuaries  hF+ٱ1?MP4?h㈵4?8*5{5?h㈵4?h㈵4?h㈵4?8*5{5?9̗7?'>9?yCn;?!J>?70@?vꭁB?MۿҤD?kHcCG?a2U0*3?h㈵4?h㈵4?h㈵4?MP4?MP4?8*5{5?Ǻ6? W8?yCn;?%>?Mb@?מYB?MPD?#-#F?Ah:;I?MP4?h㈵4?MP4?a2U0*3?MP4?h㈵4?q@H6?VF?8?t^c:?H}=?Xj@?/nB?x C?q@HF? WH?_QK?a2U0*3?a2U0*3?a2U0*3?a2U0*3?MP4?8*5{5?9̗7?-C6:?3.9?yCn;?!J>?C8 A?dC?_LE?9̗G??ŊJ?6YM?r&"P?+ٱ1?מY2?d3?h㈵4?q@H6?VF?8?t^c:?H}=?Mb@?מYB?MۿҤD?kHcCG?I?=\r)M?MbP?BR?Mb0?מY2?a2U0*3?8*5{5?9̗7?-C6:?K8?R\U]A?1ZGUC?N ^E?~jtH?_QK?iUMuO?+ٱQ?x S?#-#V?Mb0?a2U0*3?8*5{5?VF?8?t^c:?%>?70@?vꭁB?_LE?c#G?t^cJ?~tgyN?J4Q?kC8S?N ^U? WX?C8 1?MP4?Ǻ6?'>9?K8?R\U]A?a2U0*C?q@HF?Ah:;I?K8L?*g\8P?BR?h㈵T?W?t^cZ?~tgy^?+ٱ1?q@H6?'>9?K8I?=\r)M?70P?dS? K?מYB?8*5{E?Ah:;I?=\r)M?r&"P?kC8S?q@HV?'>Y?=\r)]?7T7`?3kb?fʉve?(XQih?%]3fk?q@H6?Mb@?a2U0*C?9̗G?yCnK?XjP?BR?fʉvU?~jtX?3.\?Xj`?מYb?ZӼd?g?t^cj?~tgyn?9̗7?+ٱA?8*5{E?'>I?%N?+ٱQ?{GzT?9̗W?F%u[?ŏ1w-!_?a?@j';d?0ACg?-C6j?dm? ^)p? W8?dC?9̗G?3.L?p>?P?1ZGUS?QfL2rV?[| Z?6Y]?4 a?Nz1c?9]f?a+ei?K8l?G8-xWp?Br?t^c:?MۿҤD?'>I?!JN?5l/R?_LU?E|'fX?y&1\?ezFw`?3kb?8*5{e?cbqmh?1߄Bl? x#o?/nr?]`7l[t?3.?~jtH?!JN?BR?N ^U?Y?%^?R\U]a?x c?Ǻf?&Kj?<,Ԛm?St$p? 3mJs?u?.x?Mb@?t^cJ?r&"P?{GzT?VF?X?"\?p>?`?U+c?EV f?}:3Pi?Ql?ezFwp?+r?+~7u?Gŧx?9]{?+ٱA?H}M?BR?QfL2rV?Q,Z?VCK_?j>"Db?/"e?ϛTh?_Qk?uo?L1%r?iWVt?eNw?JiWVz?V-}?1ZGUC?XjP?MPT?E|'fX?nS]?J4a?nd?kHcCg? {j?Qn?nq?QNs?؞Yv?y?Q|?hUM?h㈵D?nQ?q@HV?F%u[?Vc#`?dc?_vOf?'>i?H}m?r&"p?UN@s?'u?7x?h:;|?X9v?]ہ?#-#F?1ZGUS?(XQiX?6Y]?a?ZӼd?ϛTh?3.l?vq -p?Y4 r?wN#-u?иp $ x?#G{?s~?4c?jM?~jtH?/"U?t^cZ?Mb`?kC8c?Ǻf? {j? ?ml?70p?'@js?QfL2rv?k`y?)h}?zpwn?eI)?KTo l?^c?ϛT?`Y?vꭁR?7T7`?ُae?_5!j?ŏ1w-!o?}"Or?_Lu?~jtx?3.|? W?DQOI?ۅ:?dF ^?&K?G=D;?7?MPT?5l/b?=mg?{l?C8 q?1=at?eNw?t^cz?s~?HĔH?+?I2喆?V}b?y&1?2U0*?zަ??_vOV?Pc?N ^i?VCKo?vꭁr?'u?|DL$zy?)h}?bՀ?0? K ?N#-?X?uv28J^?a?Tp?8*5{u?_{fIz? ?ʉvR~?Kq?)D/?tgy?q?vöE ? .V?ͪՖ?'>?w( ?z):˟?UN@c?y):r?Zd;Ow?K8|?a)?#?eN?1BxqĊ? S"?HV?fk}Ж? ?E|'f? $ ?Hm?J4?Hh˹d?@s?y?K=U?PC?b('څ?}:3P?!q?ek}?7̒?//>:?k? {ɚ?.R\U?70?D4ؙ?9]f?fʉvu? {?iQ?ׁsF?dw?-σv?{ʄ? -?N ^?Ve?|ݙ?ZK?8m4?n?#?*5{h?eNw?XO0~?Py?f?'IL?\ Ac̍?6ُ?H0[w?.9?0{?x@e?&jjZ?LH?Oe?{?i?Ah:;y?"q]?j ?$ۇ? ?Vc#?7',?4k?^2? c?cZB?m{?P6 ?DL$z?)Wx?_Qk?5A}R{??RDU?gs?C4؉?CO}:?Nz?1=a?=If͖? ҌEә?ͯ?TގpZ?U[rP?jMSt?ʦ?(a_Y?<,Ԛm?}?OI5?vӂ?}\*?"q]?DԷ??cbqm? ?iUMu?Dl?HIOǣ?fL2r?xb֋?WI_? p?q?j0 GĄ?҇.o?;D?+ٱ?4s?<;k?*?Gx $(?XG?"?[[?KqU٧?&S?!vy?a)q?E>?QfL2r?@H0?"q]?7l[ ?ӟH?=aM?)"*Ȝ?_{fI?mnLOX?bۢ?,?'IL?0?*3h?m2dr?%ǝ?VF??<;k??'"?խޗ?]T??ۧ1?Ynͣ?^o%;?ah?\ʫ?*Wx?&S:?a2U0*s?j ?xWf,?~k, ?9]?%P?k`Ù?H}?.;1Š???^?*?B ܪ?ʾ+? '?z(?ڧ1u?^K=?J8?X5;N?+MJA?d?>yX5͛?=~oӟ?+5{?0Bx?{?CQO?ZK?x&1?vöE ?jt?gv?kHcC?Bi?PC?ؙB5?? ?a)?jv?0"?+e?xZ?`VI?Ҥt{?? vö?^2w?aۢ?Mb?#?=?W}W?Uj@+?n4@?YLl> ?oG8-xѧ?cت?u&?ah?zG?? ^x?p1=a?~jt?<;k??D/Xn?jq?0|?֭7?^c?,E|'?G`?3.?S"^F?xWf,?{fIZ?%1?e6?D ??g'01982-88 Canada CIA Basic Female, Smoker, NearestSRoger Scott Lumsden 75147,2620JCanadian Institute mortality studies, direct standard individual insurance?Select Exposures $25.1 billion, Deaths $14.7 million (Canadian)(1982 to 1988 policy years, 6 study yearsAmounts of Insurance HThere was inadequate high duration data to permit a full graduation. The amounts of actual deaths and of CIA 82-88 expected were summed by attained age. Then the A/E ratios were fit to a beta-type model for graduation. Subsequently the Nonsmoker/Smoker ratios were changed from the fitted values so that the A/E ratios are 87%. >TSA 1991-92 Reports, pp 701-729 Academy Alert 95-L-2 (2/27/95) Values were originally reported as ALB and corrected by Academy Alert There is a version with select values past 70 but I don't have a copy CIA stands for Canadian Institute of Actuaries  iFC8 1?d3?h㈵4?8*5{5?8*5{5?h㈵4?h㈵4?h㈵4?Ǻ6? W8?t^c:?H}=?Xj@?/nB?x C?N ^E?d3?h㈵4?8*5{5?h㈵4?h㈵4?MP4?h㈵4?q@H6?VF?8?-C6:?K89?3.?C8 A?dC?_LE?9̗G??ŊJ?MP4?MP4?a2U0*3?a2U0*3?a2U0*3?8*5{5?Ǻ6? W8?yCn;?%>?70@?vꭁB?MۿҤD?kHcCG?I?=\r)M?a2U0*3?a2U0*3?d3?a2U0*3?h㈵4?q@H6?VF?8?t^c:?H}=?Mb@?/nB?MPD?#-#F?Ah:;I?"L?XjP?מY2?מY2?d3?MP4?8*5{5?9̗7?-C6:?K89?yCn;?!J>?C8 A?1ZGUC?8*5{E?VF?H?m2K?~tgyN?J4Q?kC8S?Mb0?מY2?MP4?q@H6?VF?8?t^c:?%>?70@?vꭁB?h㈵D?9̗G??ŊJ?6YM?r&"P?dS?fʉvU?Mb0?d3?h㈵4?9̗7?'>9?K8I?=\r)M?MbP?BR?h㈵T?9̗W?Mb0?a2U0*3?q@H6? W8?yCn;?!J>?R\U]A?a2U0*C?N ^E? 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F%u?q?3.?Ps?J4?p_Q??W[?72?j0 GĤ?IZ֧?<;?9z?n2d?׻?޳?g?LuT5?[tYL?Q?2%䃎?խ?*?wb֋?bՠ?fk}Ж?IFž? )?? >?VzNz߰?7l[ ?=~oӟ?G`?Bfj?ľ?70?1|DL$?Gz?KuT? ^?XG?zk`?wN#-?( y?hn?q@?=U???,g~5?9⪲?~?f67??)'&1982-88 Canada CIA Basic Male, NearestSRoger Scott Lumsden 75147,2620JCanadian Institute mortality studies, direct standard individual insuranceUltimate Exposures $63.0 billion, Deaths $592.7 million (Canadian) Select Exposures $548.6 billion, Deaths $703.8 million (Canadian) All smoking classes combined.(1982 to 1988 policy years, 6 study yearsAmounts of Insurance Ultimate as: Ages 0-16 used select+ultimate, combined by attained age Ages 1-99 Whittaker B with h=30 and weights as square root of exposures x .001 Zero weights given to ages 30, 32 and 37; Weight of 5 given to ages 29,31, 33-36 and 38. First smoothing followed by Whittaker A with h=3 Ages 25+ smoothed values fitted to Makeham's Second Law using colog(p(x)) rather than mu(x) Ages 25-44 used weighted average of Makeham and Whittaker A Ages 100-105 fitted to cubic to reach 1 at 105 Ages 0 reset to raw qx Select calculated first as ratios to ultimate expected by quin issue age group for each duration. These ratios then graduated. Ages 0-16, no selection. Duration 1 selection factor fitted to linear-logistic curve The rate of decay of selection used a single power function for all attained ages. This combines to give a compltet table of selection factors which are then multiplied by ultimate qx's for same attained age. Small final adjustment to bring A/E ratio to 100%. >TSA 1991-92 Reports, pp 701-729 Academy Alert 95-L-2 (2/27/95) Values were originally reported as ALB and corrected by Academy Alert There is a version with select values past 70 but I don't have a copy CIA stands for Canadian Institute of Actuaries  iF $3.L?Xj@?d3?%.?yCn+?-C6*?-C6*? W(?9̗'?q@H&?q@H&?9̗'?K8,?מY2? W8?70@?Xj@?d3?%.?yCn+?-C6*?-C6*? W(?9̗'?q@H&?q@H&?9̗'?K8,?מY2? W8?70@?_LE?d3?%.?yCn+?-C6*?-C6*? W(?9̗'?q@H&?q@H&?9̗'?K8,?מY2? W8?70@?_LE??ŊJ?%.?yCn+?-C6*?-C6*? W(?9̗'?q@H&?q@H&?9̗'?K8,?מY2? W8?70@?_LE??ŊJ? x#O?yCn+?-C6*?-C6*? W(?9̗'?q@H&?q@H&?9̗'?K8,?מY2? W8?70@?_LE??ŊJ? x#O?]Q?-C6*?-C6*? W(?9̗'?q@H&?q@H&?9̗'?K8,?מY2? W8?70@?_LE??ŊJ?iUMuO?]Q?dS?-C6*? W(?9̗'?q@H&?q@H&?9̗'?K8,?מY2? W8?70@?_LE??ŊJ?iUMuO?+ٱQ?HPsR?U+S? W(?9̗'?q@H&?q@H&?9̗'?K8,?מY2? W8?70@?_LE??ŊJ?iUMuO?+ٱQ?vꭁR?dS?מYR?9̗'?q@H&?q@H&?9̗'?K8,?מY2? W8?70@?_LE??ŊJ?iUMuO?nQ?BR?vꭁR?/nR?C8 Q?q@H&?q@H&?9̗'?K8,?מY2? 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[t?v/?~7????%jjي?4)ݎ?Dl?D;)?Ǻ?CR?%1 {?HGŧ?'†Wʢ?m2k?YLl> u?JiWVz?X9v?7̂?f?'>?lu??'@j?-s,&?( 0?dp??,?j>"D?bۢ?H}m?w?!u|?vݰm?MۿҤ?F ^/?h:;?.Q5?Ut:u峬?.&? K?ض(A&y?wN#-?)'$?TގpZ?nSr?0Ӗ?ݓ?u?n2d?ۿҤ?ec]ܦ?k?>٬\?7̒?$\?*?z?0AC? N?R~Rӑ?+~7? W?hn?70?)D/?^.;1? x#?WxN? ?lC8?'1Z?9z޶?Q|?,?Pc*?k&l?? N?n4Ғ?Ve?ypwn?UMu?*?=yX? qۨ?x@e? '?Q??ܵ? 1Z?j>"D?@z{?8b->?E|'f?oꐛ?b=y?ʦ\].?m?du??߾? GĔH?jMS?h˹W? )??RQ?U?U?yS?E>'?+j0?7??y/'.1982-88 Canada CIA Basic Male, Nonsmoker, LastSRoger Scott Lumsden 75147,2620JCanadian Institute mortality studies, direct standard individual insurance(1982 to 1988 policy years, 6 study yearsAmounts of Insurance Calculated from age nearest. There was no official ALB version published. I applied the method used in CIA 86-92 to calculate these. CIA stands for Canadian Institute of Actuaries  hFמYB?ǺF?m2K?~tgyN? x#O? x#O?~tgyN?"L?t^cJ?'>I?Ah:;I?Ah:;I?'>I?I??ŊJ??ŊJ?ǺF?m2K?%N?iUMuO?ŏ1w-!O?6YM?_QK?-C6J? WH?~jtH? WH?Ah:;I?'>I?I?-C6J??ŊJ?t^cJ?6YM?ŏ1w-!O?~tgyN?K8L?m2K?Ah:;I?VF?H?VF?H?VF?H?~jtH? WH?'>I?I?-C6J?t^cJ?=\r)M?%N?6YM?3.L?-C6J?~jtH?9̗G?9̗G?9̗G?c#G?~jtH? WH?Ah:;I?'>I?-C6J?t^cJ?K8L?K8L?m2K?Ah:;I?c#G?ǺF?ǺF?ǺF?9̗G?c#G?VF?H? WH?Ah:;I?I??ŊJ?yCnK??ŊJ?I?VF?H?ǺF?q@HF?N ^E?q@HF?ǺF?kHcCG?c#G?VF?H?~jtH?Ah:;I?-C6J?m2K?"L?ǺF?ǺF?8*5{E?_LE?_LE?8*5{E?q@HF?#-#F?kHcCG?9̗G?VF?H? WH?'>I??ŊJ?_QK?H}M?a2U0*C?MPD?MPD?MPD?h㈵D?_LE?N ^E?#-#F?kHcCG?9̗G?VF?H?Ah:;I?-C6J?m2K?K8L?!JN?R\U]A?vꭁB?1ZGUC?x C?MۿҤD?_LE?N ^E?#-#F?ǺF?9̗G?~jtH?'>I?t^cJ?"L?~tgyN?MbP?iUMu??/nB?dC?a2U0*C?MۿҤD?_LE?N ^E?q@HF?kHcCG?c#G? WH?-C6J?_QK?6YM?XjP?+ٱQ?%>?+ٱA?vꭁB?a2U0*C?MPD?h㈵D?8*5{E?#-#F?kHcCG?~jtH?I?m2K?=\r)M?iUMuO?R\U]Q?U+S?H}=?R\U]A?vꭁB?a2U0*C?MPD?h㈵D?N ^E?#-#F?c#G?Ah:;I??ŊJ?"L?ŏ1w-!O?r&"P?HPsR?h㈵T?K8?P?מYR?{GzT?ǺV?K8I?3.L? x#O?]Q?x S?#-#V?'>Y?wJ\?ezFw`?vꭁb?_Le?H}=?/nB?x C?q@HF?~jtH?m2K?~tgyN?J4Q?kC8S?_vOV? WX?[[%X\?Xj`?j>"Db?d?g?%>?vꭁB?h㈵D?kHcCG?-C6J?H}M?70P?HPsR?fʉvU?VF?X?yCn[?iUMu_?]a?1%ed?kHcCg?g uj?!J>?1ZGUC?N ^E? WH?3.L?XjP?5l/R?T?9̗W?t^cZ?O;5Y^?P6 ra?Pc?mf?i?m?Xj@?MPD?9̗G?t^cJ?!JN?nQ?x S?"V?[| Z?d]?`?'@jc?+H3f?}:3Pi?Ql?>p?70@?8*5{E?Ah:;I?=\r)M?r&"P?1ZGUS?N ^U?Ah:;Y?K8\?ezFw`?3kb?8*5{e?E|'fh?lxz,Cl?Vc#p?m2dr?+ٱA?kHcCG?yCnK? x#O?מYR?/"U?VF?X?_Q[?q_?מYb?YLl> e?*5{h?yCnk?iUMuo?zަ?q?/r]t?vꭁB?Ah:;I?6YM?nQ?׆q&T?kHcCW?t^cZ? <^?a?1%ed?=mg?t^cj?Qn?n2dq?nt?I2v?MPD?yCnK?MbP?U+S?q@HV?Y?6Y]?J4a?"c?mf?[| j?<,Ԛm?4 q?Nz1s?9]v?1䠄y?N ^E?6YM?]Q?/"U?~jtX?"\?p>?`?9]c?EV f?}:3Pi?ZӼm?PNp?9]s?u?R~Rx?Pkw|?9̗G?MbP?a2U0*S?kHcCW?m2[?;f_?מYb?+~7e?|~h?3.l?vq -p?Y4 r?BBu?ϛTx?#EdX{?m?I?]Q?8*5{U?Y?%^?"ua?1%ed?9̗g?#Gk?:̗`o?/nr?M Ot?xĬw?9]{??W[~?n\?3.L?a2U0*S?c#W?"\?70`?kC8c?mf?&Kj?_vOn?P6 rq?nt?0ACw? .V`z?%~?ĬC9?죃?~tgyN?8*5{U? .V`Z?iUMu_?Bb?gse?Ah:;i?W!'>m?r&"p?~jts?46"Dr?Ih˹Wu?E|'fx?wb֋|??ܵ|?l?{?+e?>?m?.Q5?s? .V`Z?Nz1c?VF?h?=\r)m?~oӟHq?ׁsFt?xĬw?{{?X9v?}"O? p?9 ?%]3f? ?zަ??0Bx?K8\?Ϡe? {j?Vc#p?7l[ s?G|v?E_Az?~tgy~?"u?:K?S?W 3?u?Nz?wR~R?lV}?iUMu_?IZg?dm?]q?+~7u? Wx?ZӼ}?L7A`?D ?쁆?|݉?d?H`?r_?f?aod?J4a?-C6j?G8-xWp?"s?)Wxw?%]3f{?%?+?b?R~R?y&1?8gDio?'†Wʒ?gs?o l`q? ϛ?HPsb?Ql?g\8r?u?y?Ws`~?n/iց?Hh˹?gj+?&?X9v?nQfL2?Δ?s`? ^/ ?mIFž?6ُd? x#o?QNs?9 x?-[닄|?L7A`?"?Ǻ??Ŋ?խ?n2d?jjZ_$?Y?BsF?yu?̯?9]f?ek}q?fu?9vz?m?vꭁ?ԅ?9(a_?= Y?&pn?=~o?ʡE?(rw?>x ?*P?'†Wʢ?(XQih?UN@s?5x?)h}? ?MۿҤ?9 ??߾?~:?^?,g~? -?O#-#? ?3VC? ??Ŋj?/"u?%:z?*g\8?1ZGU?, PSˆ?%:?:f?Yni5$?0?s`?8*5?m?:f?M(?ܺ:?K8l? m9w?uv28J^}?7?Ih˹W?+?YBs?4 ?Yn͓?0Ӗ?_9?)*?*-9(?£?Tt"D?@0Gۤ??A 3m??tA}˜?m2dr?O;5Y~?jv?$ۇ?[ ?uݐ?82?|,}?^2ᗚ?O;5Y?6TSA 1991-92 Reports, pp 701-729 Academy Alert 95-L-2 (2/27/95) Values were originally reported as ALB and corrected by Academy Alert There is a version with select values past 70 but I don't have a copy CIA stands for Canadian Institute of Actuaries  iFXj@?MۿҤD?Ah:;I?=\r)M? x#O?*g\8P? x#O?6YM?_QK?-C6J?'>I?'>I?'>I?-C6J??ŊJ?t^cJ?MۿҤD?Ah:;I?=\r)M?iUMuO?XjP?ŏ1w-!O?=\r)M?m2K?'>I?Ah:;I? WH?Ah:;I?'>I?I?-C6J??ŊJ?Ah:;I?K8L?ŏ1w-!O?iUMuO?~tgyN?"L??ŊJ? 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KM?#0?j>"D?wJ\?MۿҤd?}:3Pi?CO}:n?VFq?h㈵t?(XQix?!>M|?mJR?lscz‚?fʉv?|~?_Qڋ?9@0G?R~Rӑ?HcC?Xj`?^/ f?h:;l?bp?Ps?+eXw?cz({?iUMu?r?DioɄ?? ^/ ?Q?To l`?@߾?.9?+ٱa?a+ei?VCKo?lsczr?bJ$(v?y?XO0~?P6 r?n?Ve?|~!tA}|?zpwn?k, P?+H3?a+e?Q?C+j?3mJ?0[w?ǀ?{Pk?fʉve?.s,&6o? 3mJs?w?#G{?*3h?B?Ih˹W?|~?}\*?=~oӏ?T[?N ^?Ǻ?C?鲘؜?9̗g?~oӟHq?Ih˹Wu?y?XO0~?5Y?Ƣdp?+ٱ?zNz?mIFŽ?*oG8-x?N@aÓ?"J?oӟH?Q?!A 3m?i?9]s?9̗w?lxz,C|?PN?~jt?쁆??Y/r?r&"? x#?8*5{?*g\?}Y?u?|~?[[%Xl?YLl> u?[| z?yѩ+?4)^?KTo l?~Tˆ?x=\r?q89@?Py?<.9?bg ? ?%ǝ? v?PN?\4 o?eS.w?y&1|?a)?f16?+ٱ?>$@M-?yѩ+?apɑ?Nz1?~nؖ?'IL?Q?#0?q&?M(D!?&pnp?҇.oy??"^F܂?< .? o_Ή?|?镲 ?k&l?EV ?0{?1߄B?!A 3m?n2d?Ӈ.o?wg ͥ?;Onr?yt{?6qrC?'"? c AJ??x=?TB?%ǝ?je/?Gŧ?9]?&pn?镲 ?Έ ?+~7?k+ݓ?1=at?2%~?"-?#-#? ?s׎?n?bI?{?m?E|'f?>?Py?S㥛?Ǻ?ٙB5v?u? v?MۿҤ?=U?B>٬?v7Ou͐?QCR?J4??"-R?㪲?R8ߡ?1 {?ʡE?~T¨?-σv?=mw?r?G|?N?9@0G?DQOI?ڧ1?gj+?V/?qqt?7[ A?S?f?* ?l g?j+?Ah:;y??)s?W!'>?x&?j+ݓ?, PS˖?_2?q= ףp?&:?e/?P1ߤ?|wJ? Y?O`ì?6ٯ?cz({?#-R\??Ŋ?X9v?z(?bh㈕?Է鲘?tgy?.9֟?ƊL?M(D!?`$@M-?~:3P?zrK?M?QfL2r?5 S"?KTo ?eu7?4R?tA}˜.?ht3?+ٱ?#0?ʉv?K?MbX?vkF?x]?3?(y?o*Ral!?5^I ?dF ?T?\?@ȓ?w;S輶?7̂?6 r?nSr?E>'I?^ D??Ù_?0Bxq?R,?|͍?ZK?k)? -? ?Vy?@_?wR~R? v?i?NE*-? N?&pn?+pW??~T¨?>yX5ͫ?Gŧ?ioT?$C?>٬\??? ?4k?5;Nё?û\wb?- PS֚?6qr?ߡ('?ƅ!Y?GȰ?>d?|ͭ?K?ަ??Mg'?,C?3yS?s?JY8?al!A ??O`Ü?a7l[٠? v?-=? Y9?x=\r?9(a?C4ر?9}? .V`?5Fj? ?WL?)t^c?<1PN?tמ?Gɫs Ȟ? / ?/iQդ?9ߡ(Ч?5^I ?;)t?J +?BL?'UHI?U+~?= ףp=?wg ?j ?~jt?8*5{?겘|\?pWs? 3mJ?-lI?|DL$z?Z_$?&J? GĔH?镲 q?Gɫs ȶ?4R?HcC??( 0?Bi? $(~?5 S"?WL?gF?/n?*p?C5v?`< ?Ȱ72?&pn?q $ ?H3Mg'?Y?!=?AL??x]`7??"E'.1982-88 Canada CIA Basic Male, Smoker, NearestSRoger Scott Lumsden 75147,2620JCanadian Institute mortality studies, direct standard individual insurance?Select Exposures $61.7 billion, Deaths $86.9 million (Canadian)(1982 to 1988 policy years, 6 study yearsAmounts of Insurance HThere was inadequate high duration data to permit a full graduation. The amounts of actual deaths and of CIA 82-88 expected were summed by attained age. Then the A/E ratios were fit to a beta-type model for graduation. 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B ?T[r?<?s.Ueߕ?R~R?FjH?*3h?Yni5$?ۿҤ? pUj? x#?\m?qqt?xWf,z?UMu?|DL$z?;)t?]ۑ?0?,+MJA??{?g??<)t^?? 0*?zG?mҭ?>?h:;|?+H3?&?a?ݓZ?0 e?`q8?}9?aTR'?Ut?* ?n?%u~?Gŧ?<,Ԛ?7?D?37?6?9@0G?ס?N ^?`?.&?k, P?ea?b('?S.?3}ƅ?{Fw;?8*5{?|S:?A&9 ??h㈵?R񘁲?Tt?a)?yt? k?fa֔?:f?p0?q&"?4 S?ni5$?kHcC?$ ?uV?k)?s?&۳?o?g?? ?rPLۿ?I5o?BsF?`Y?z6>W[?ʡE???t ^?Fžv?T:X0?MbX?]K=?^hHK?I&†?ݓZ?2U0*?jjZ_$?9 ?lxz,C?7qrCQ?PC?wN#-?k?<,Ԫ?oB!?_)Ǻ? a?s]?0Ӷ?K7?UMu?ĬC9?gyܝ?cZB>?`Y?LH?1=a?e1?v??Ƭ?q@H?Yni5$?\C?ӟH?pqt?3?b?a_Yi?(,)?d@zǛ?LqUwE?'†Wʢ?(y?*g\?4Ry?iW!'ծ?x( $@M-?G=D;? ?4Op?I?iWV?ffffff?c=yX?{w?O`ì?sA?j?s?B= ?-ĵ?GĔH?n\?\wbֻ?t?n?G8-xWp?5;Nq?r_s?0*u?0ACw?oӟHy?겘|\{?gy}?hUM?j́?=~o?+~7?eS.?KqU?Z!?CO}:?a? / ??g?RD?vӂ?`q8?y# ?O;5Y?( ?? 3mJ?M#?MSt$?tN?Fj?23?$0{?Dn? ?dwW?# 9?3.?iUMu??C8 A?/nB?1ZGUC?MۿҤD?N ^E?kHcCG?VF?H?'>I?t^cJ?3.L?H}M?!JN?iUMuO?XjP?p>?P?J4Q?מYR?3fS?8*5{U?9̗W?'>Y?yCn[?K8\?_vO^?*g\8`?ƊLa?d?~jth?ZӼm?C8 q?խs?+H3v?HPx?yt{?VC~??4)^?~jt?/r]?s.Ue߅?IZև?1BxqĊ?Ws`?*oG8-x?j+ݓ?{fIZ?EԘ?[rPL?Xޝ?4O?R~Rӡ?jv?o/iQ?++MJA?MbX?%]3f?q>??V?$ ?$7?δ?쁶?mnLO?-C6? 8?OXeS?0*D?U]o?PC?wJ? X4?!lV}?Gr?(\?Z.p'1983-88 Malaysia, Male A\John S. Brake 75273,3722 from spreadsheet supplied by colleages at Mercantile & General Re  1983 to 1988  ccJ4Q?C8 Q?iUMuO?6YM?=\r)M?=\r)M?%N? x#O?J4Q?dS?/"U?W?'>Y?oӟHY?W?q@HV?h㈵T?3fS?vꭁR?nQ?p>?P? x#O? x#O?MbP?J4Q?5l/R?a2U0*S?/"U?"V?~jtX?t^cZ?d]?p>?`? ab?h㈵d?vӂg? .V`j?m?ezFwp?j>"Dr?ׁsFt?G|v?R~Rx?@_{?7ܘ~?ڀ?s?1=a?/$?Ve?Է鲈? {Ɋ?Oec?8ߡ(?;%Α??4KԲ?6T?|?5^?!7 ?.9֟?RZ?/ ҌE?4)?]P2?$(~k?#0ܫ?y;i?h㈵?&@?#?O|?ގpZ?0Bx?Cl?yX5;?~ƅ!Y?bE ?g,N?0Bx? -?jv?{?%ǝ?"Jv?P1?wR~R?sA?j+?"^?DD'1983-88 Singapore, Female A\John S. Brake 75273,3722 from spreadsheet supplied by colleages at Mercantile & General Re  1983 to 1988  cch㈵$?h㈵$?9̗'? W(?-C6*?yCn+?K8,?K8,?%.?iUMu/?Mb0?C8 1?C8 1?+ٱ1?C8 1?C8 1?C8 1?מY2?a2U0*3?q@H6? W8?t^c:?H}=?Mb@?/nB?a2U0*C?8*5{E?ǺF?VF?H? WH? WH?Ah:;I?Ah:;I??ŊJ?H}M?MbP?1ZGUS?N ^U?a+eY?nS]? ^)`?vꭁb?ZӼd?vӂg?Q,j?Ws`n?P6 rq?x s?ek}v?k`y?y&1|?X9v?*oG8-x?l?0*?G|?E|'f?$]3f?~tgy?X?DԷ?ˡE?ܝ.4???ı.n?WL?x]?z3K?m?@ٔ+˥?+j0 ç? rߩ?O#-#?}"O?g?Dn?@+0du?d]K?"?JFžv?4 S?#GG?ʉvR?MbX9?KuT? y?}yѩ? [?-1?ǀ?FU'1983-88 Singapore, Male A\John S. Brake 75273,3722 from spreadsheet supplied by colleages at Mercantile & General Re  1983 to 1988  cc W(?yCn+?MP4?-C6:?iUMu??מYB?MPD?q@HF?9̗G? WH?I??ŊJ?I?kHcCG?ǺF?N ^E?_LE?MۿҤD?MPD?a2U0*C?1ZGUC?1ZGUC?a2U0*C?x C?_LE?c#G?m2K? x#O?5l/R?{GzT?"V?E|'fX? .V`Z?_Q[?H}]?iUMu_?r&"`? ab?YLl> e?Gŧh?@_k?vq -p?9]s?9]v?y?H}}?ek}?;On? .V?fC?5?Tގp?Q?&jjZ?eS.?^?iWV?ͪՖ?a+e?͍ K?{ʄ?;6~?1ZGU?1ZG?gCV? r߉? ?XL~?EB[Υ?&R?o*?>yX5ͳ?sK!q?HPs?|DL$z?K;?.R\U?T 7?5?_^}t?b?(??Q?E )??T[r?a_Yi?4 S?U?(D!T?#?+K'!1984-85 Japan All Company, FemaleA\John S. Brake 75273,3722 from spreadsheet supplied by colleages at Mercantile & General Re Intercompany study by Japan Mortality Investigation Committee Experience based on medically examined insured lives accepted at standard rates Rates based on experience for durations 2 to 20. Selection discount in year 1 of 40 % appropriate 1984 to 1985 Rates contain a loading of about 10-15 % for mortality dividends which can be taken out Note that booklet only showed rates every 5th age above 80 John's spreadsheet estimated them to 90 Roger Lumsden did Jenkins modified osculatory graduation to fill table. +Life Insurance Association of Japan booklet dKnown as the Fifth Experience Table No differentiation by smoking status, high proportion of smokers  mmpMۿҤT?!JN?_LE?K8?Xj@?R\U]A?מYB?1ZGUC?MPD?_LE?#-#F?~jtH??ŊJ?3.L?6YM?iUMuO?r&"P?/nR?kC8S?h㈵T?QfL2rV?*5{X?Y?@_[? ]?hUM`?"ua?9]c?MۿҤd?q@Hf?c#g?'>i?k?Ql? ?֨ht?1?469?9̗7?q@H6?MP4?C8 1?K8,? W(?q@H&?-C6*?d3?yCn;?dC? WH?ŏ1w-!O?]Q?U+S?kC8S?vꭁR?r&"P?iUMuO?%N?6YM?H}M?=\r)M?"L?3.L?3.L?"L?6YM? x#O?r&"P?/nR?1ZGUS?T?#-#V? WX?겘|\[?%^?Mb`?]a?'@jc?/"e?kHcCg? o_i?̯l?Vc#p?Q,r?@j';t?EV v?иp $ x?JiWVz?!u|?j?L7A`?L1%?2y?<.9?n/i?cbqm?l[?>?mJR??j+ݓ?I.!?RQ?J^c@?yu?7ܘ?&lscz?iq?oꐛ?|DL$z?ǵb?qrCQ??죳?S?b?Oc*?tYLl>?3K?%? %?AC?yt?=;k]?XVn?k[?rK!?HK?L?`Y?(XQiX?"V?h㈵T?U+S?R\U]Q? x#O?=\r)M?t^cJ?Ah:;I?VF?H?VF?H?~jtH?'>I?m2K?K8L?!JN?p>?P?+ٱQ?dS?MۿҤT?q@HV?*5{X??ŊZ?H}]?7T7`?lsczb?h㈵d?+eXg?i?Ql?G8-xWp?Pyr?M Ot?Ǻv?Ah:;y?S{?&pn~?SgЀ?PC?Hh˹?0AC??Pkw?Ɏ@??@ȓ?^o%;?(A&?x=\r?=$?DQOI?MۿҤ?oŏ1?Nw( ?ԕ?8?|͍?:@0G߳?ʾ+?0*D?/4i?? ?t ^?-C6?7Oup?{?#gaO;?z6>W?eN?-lI?k??%zrK? F%u?R2'1984-88 Colombia TCMA, UnisexA:Javier Suarez and Jose F. Rojas, 104551.43@compuserve.com17 life insurance companies 1984 to 1988Number of lives UCubic splines for ages 33-73 Linear extrapolation for ages 20-33 Makeham for ages 73+ %Res. 996/90 (Banking Superintendency) YAdopted for insurances TCMA stands for "Tabla Colombiana de Mortalidad de los Asegurados"  cclxz,Cl?[[%Xl?"l?̯l?Ql?wJl?=\r)m?)hm?H}m?dm?<,Ԛm?%n?aodn?O;5Yn?!Jn? "Dr?OI5s?Ƣdpt?EV v?Gŧx?-C6z?wb֋|?yѩ+?ڀ?g\8?U+?M(D!?ZӼ?fʉv?EV ?^/ ۆ? 0*? F%u?ǵb?E?3yS?333333?'UHI?˹W}?ݵ|г?[Υ?CO}:?Mb?nʡ?N@a?g\8?eI)?d@zǫ?Oup?E 2ɰ?~jt?> ?ĬC9?bbq?j@+0d?~:?;ǀ?;S? -?V`? {?Έ ?VF?m2d?(yu?)[Z ?I&†?bg ?_L?vݰm??N'+1985-90 Australia IA85-90F, Female, NearestAWarren Gratton, 100242,565hAustralian Insured Lives whole of life without term riders, female lives data contributed from 6 Offices>Ultimate exposure - 925,684; Ultimate duration deaths - 1,758Jan 85 to Dec 90Number of policies 4Ultimate rates for durations 2+ years only graduated AJune 1992 Quarterly Journal Institute of Actuaries of Australia, iaverage age of exposure = 37.1, ave age of death = 60.5 IA stands for Institute of Actuaries of Australia  cc-C6*?-C6*?yCn+?%.?C8 1?a2U0*3?q@H6? W8?t^c:?t^c:?'>9?VF?8?q@H6?h㈵4?a2U0*3?מY2?C8 1?C8 1?מY2?d3?MP4?8*5{5?9̗7?-C6:?K8Y?[[%X\?;f_?+ٱa?a2U0*c?8*5{e?9̗g?N ^i?_Qk?_vOn?Mbp?n\q?ds?Ƣdpt?_vOv?5x?<,z?gy}?\*?Y4 ?L~ބ?&†?N?Ws`? 'X?խ?_vO?0{?1߄B?ʾ+?0Bx?5?f,N?3.?d#?ԕ?apɱ???^??ܵ?3?QQ?"??6o1?tgy?S?Bfj?l, PS?jHc?ǵb?\U]?g ')1985-90 Australia IA85-90M, Male, NearestAWarren Gratton, 100242,565vAustralian Insured Lives whole of life without term riders, male and sex unknown lives data contributed from 6 OfficesAUltimate exposure - 4,279,302; Ultimate duration deaths - 40,798Jan 85 to Dec 90Number of policies 4Ultimate rates for durations 2+ years only graduated AJune 1992 Quarterly Journal Institute of Actuaries of Australia, iaverage age of exposure = 45.2, ave age of death = 71.5 IA stands for Institute of Actuaries of Australia  cc3.?/nB?8*5{E?I?!JN?BR?h㈵T?/"U?x S?HPsR?+ٱQ?p>?P?ŏ1w-!O?=\r)M?yCnK??ŊJ?-C6J?-C6J?-C6J?-C6J??ŊJ?yCnK?"L?6YM?ŏ1w-!O?MbP?+ٱQ?1ZGUS?h㈵T?ǺV?oӟHY?@_[?O;5Y^?`?vꭁb?MۿҤd?^/ f?Ah:;i?VIk?!Jn?St$p?vꭁr?6ُt?؞Yv?HPx?B ܺ{??W[~?X5;N?ݓZ?8*5{?*5{?W 3?d?8gDio?m4?jjZ_$?^o%;?JY? ^/ ?ʦ\??&lscz?n?׆q?`TR'?p:ǀ?ގpZ?A}˜.?$zr?6vꭁ?k ?CԷ̹??5?&?Q,?5l?9(a_?V 3? 8*?E?n?5?moB?0??YO0?]K=?^=Q'1986 Thailand RP ratesA\John S. Brake 75273,3722 from spreadsheet supplied by colleages at Mercantile & General Re   cc ]T?5 a?l%!^?ޕ]?sbpk\?g[?cZ?S\Y?.X?d'X?ǞX?{_Y?} Z?7[?!>M\?ޕ]?+D,_?J-J3`?6`?5Mra?QE;a?vHlb?۬b?CR %c?maLpc?n4pc?c?Za/d?@Μpd? "d?e?t e?v ;f?OV g?fh?nIXeAi?ܠQj?g 2*l?'jpm?Q7So? |p?XB߂q? 9Epmr?3ks?4ySt?UKu?\Kw?ey?k%{?*Z^~?Ǧ?㛂?qr? KRm?ύDý?}E֊?d3vxU?`M ?4GV~?៭<0?E6?CGaͷ?Yk(?CKhl?X̎? b?)?4ݡ?ǂ?zߧ?՞HG?(rET?;!-D?]R?2=a?mO?FVȦn? h]?[?V?pNa?!DK̾?iH?1 {?)AZ?i5 z?gREL?t ?TH9?ŕi?Uo?5ѵ?ٜ9'?qϩ?+zO ?i?kJG?L}?Sj@E??m{'%1986-92 Canada CIA Basic Female, LastSRoger Scott Lumsden 75147,2620JCanadian Institute mortality studies, direct standard individual insurance(1986 to 1992 policy years, 6 study yearsAmounts of Insurance Calculated from age nearest &Memorandum to CIA members - 1995-05-17 .CIA stands for Canadian Institute of Actuaries  hP(a2U0*C?Ǻ6?%.?q@H&?a2U0*#?מY"?מY"?iUMu?K8?-C6?-C6?K8?מY"? W(?iUMu/?+ٱ1?Ǻ6?%.?q@H&?a2U0*#?מY"?מY"?iUMu?K8?-C6?-C6?K8?מY"? 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U+~?1ZGU?eI)?XO0?5U?ۢd?9?F 2?K?k T?HP?VCK?$EdX??s'(1986-92 Canada CIA Basic Female, NearestSRoger Scott Lumsden 75147,2620JCanadian Institute mortality studies, direct standard individual insuranceUltimate Exposures $13.4 billion, Deaths $55.1 million (Canadian) Select Exposures $371.3 billion, Deaths $231.5 million (Canadian) All smoking classes combined.(1986 to 1992 policy years, 6 study yearsAmounts of Insurance Ultimate as: Ages 0-15 used select+ultimate, combined by attained age Ages 0-99 Whittaker B with z=2, h=100 and weights as square root of exposures x .001 Ages 44+ smoothed values fitted to Makeham's Second Law using colog(p(x)) rather than mu(x) Ages 100-105 fitted to cubic to reach 1 at 105 Ages 0 reset to raw qx Select calculated first as ratios to ultimate expected by quin issue age group for each duration. These ratios then graduated. Ages 0-15, no selection. 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F%u?r3܀?X?0?MP?j4?+?4)?pZ?L?QOI?T?F?M֨ht??Ø'01986-92 Canada CIA Basic Female, Nonsmoker, LastSRoger Scott Lumsden 75147,2620JCanadian Institute mortality studies, direct standard individual insurance(1986 to 1992 policy years, 6 study yearsAmounts of Insurance Calculated from age nearest &Memorandum to CIA members - 1995-05-17 .CIA stands for Canadian Institute of Actuaries  hP +ٱ1?+ٱ1?+ٱ1?+ٱ1?+ٱ1?C8 1?Mb0?iUMu/?iUMu/?Mb0?מY2?8*5{5? W8?3.?Xj@?C8 1?C8 1?C8 1?Mb0?Mb0?iUMu/?%.?%.?iUMu/?+ٱ1?h㈵4?VF?8?yCn;?H}=?!J>?Mb@?Mb0?Mb0?iUMu/?iUMu/?%.?K8,?K8,?%.?C8 1?MP4?9̗7?-C6:?K8?iUMu??C8 A?%.?%.?K8,?K8,?yCn+?yCn+?K8,?Mb0?a2U0*3?Ǻ6?'>9?yCn;?H}=?!J>?70@?/nB?-C6*?-C6*?-C6*?-C6*?-C6*?yCn+?iUMu/?d3?8*5{5?VF?8?t^c:?3.?Xj@?R\U]A?dC?q@H&?9̗'?9̗'?9̗'?-C6*?%.?+ٱ1?h㈵4?9̗7?'>9?yCn;?K8?Mb@?+ٱA?1ZGUC?8*5{E?C8 !?a2U0*#?q@H&?-C6*?iUMu/?d3?8*5{5?9̗7?'>9?t^c:?H}=?Xj@?R\U]A?dC?h㈵D?c#G?iUMu?a2U0*#?9̗'?%.?+ٱ1?MP4?q@H6?VF?8?-C6:?3.?70@?מYB?MPD?kHcCG??ŊJ?iUMu?h㈵$?yCn+?Mb0?d3?8*5{5?Ǻ6? 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[t?>?g?? ?R8ߡ?-lp?y?ڀ?0*?C4؉?.s,&6?PC?£#?&1?WL?H|?=פ?҇.?Fžv?q&"?(\?מYr?bg }?3k?xĬ?wJ? ?m?5)^Ҙ?=>tA?*-9(?'Nw( ?VHIO?wJ??:u?ɽ?4k?jv?6ُ?~:?{?JiWV?8 ?QCR?Ve?cz(??Mܯ?\?eN?e1?)"*ȼ?*P? c?=D;?{?V-?V+~?YBs?i5$?M O?_?H?ȵb?S"^F?c]F?6qr?q?d`T?ڊe?EGr? o_Ή? X?{Pk?.!u??*5{?W[재?;pΈް?n³?<?vꭁ?aۢ̾?_?:M?].;1? pUj?Z_$?D?G=D;?Q|a?-9(a?гYڪ?Pc*?ՐDz?s?RDU? ?N@?V-?4ct?ѩ+?M#?j ?.9(a?:̗`?yZK?R~R?{?;ǀ?oʡ??ݸL'31986-92 Canada CIA Basic Female, Nonsmoker, NearestSRoger Scott Lumsden 75147,2620JCanadian Institute mortality studies, direct standard individual insurance@Select Exposures $169.3 billion, Deaths $83.2 million (Canadian)(1986 to 1992 policy years, 6 study yearsAmounts of Insurance There was inadequate high duration data to permit a full graduation. The amounts of actual deaths and of CIA 86-92 expected were summed by attained age. 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F%u?4.?Oec?߉Y/?P?A`"?ꐛ?v?9 {?W>??ܵ|?ܝ.?Ac]K?g?}"?|?5^?EV ??f-??n'&1986-92 Canada CIA Basic Male, NearestSRoger Scott Lumsden 75147,2620JCanadian Institute mortality studies, direct standard individual insuranceUltimate Exposures $74.4 billion, Deaths $708.8 million (Canadian) Select Exposures $850.2 billion, Deaths $1,094.7 million (Canadian) All smoking classes combined.(1986 to 1992 policy years, 6 study yearsAmounts of Insurance Ultimate as: Ages 0-15 used select+ultimate, combined by attained age Ages 0-99 Whittaker B with z=2, h=300 and weights as square root of exposures x .001 Ages 40+ smoothed values fitted to Makeham's Second Law using colog(p(x)) rather than mu(x) Ages 100-105 fitted to cubic to reach 1 at 105 Ages 0 reset to raw qx Select calculated first as ratios to ultimate expected by quin issue age group for each duration. These ratios then graduated. Ages 0-15, no selection. 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GĔH?!J;?Ù_?=;k]??5l/?BB?מY?F6?4Ry;?#Jvl?r&"??מY?4Ry;? ҌE??'.1986-92 Canada CIA Basic Male, Smoker, NearestSRoger Scott Lumsden 75147,2620JCanadian Institute mortality studies, direct standard individual insuranceASelect Exposures $135.6 billion, Deaths $228.6 million (Canadian)(1986 to 1992 policy years, 6 study yearsAmounts of Insurance There was inadequate high duration data to permit a full graduation. The amounts of actual deaths and of CIA 86-92 expected were summed by attained age. Then the A/E ratios were fit to a beta-type model for graduation. &Memorandum to CIA members - 1995-05-17 Values were published to issue age 80. I have extended it to 85 with same select ratio formula. CIA stands for Canadian Institute of Actuaries  iU(##-#F??ŊJ?6YM?iUMuO?XjP? x#O?ŏ1w-!O?!JN?iUMuO?*g\8P?R\U]Q?HPsR?׆q&T? 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X4? / ?.񝘕?x $(~?yu?4c?80?{?X? ?`vOj?$EdXy?Yn̓?cZB>?vq -?ht?ǀ?כ?&J? {,}?+ٱץ?9EGr?wE𿕬?*g\8?_YiR?>M?bqm?cz({?Ϡ??x=?5Y?fʉv?(D!T??'IL?/ǵ?0*?dw?].;1?*Wx?]wb֋?\ʳ?CO}:?VzNz߸?nS}?=m?Q?0?+eX?Cl?.!u?fc]F?S"^?C?Kvlu?9b->?AL?#EdX?=?n?;f?%jj?{?x@ٔ?_xZ?tv28J?_5?0[w?0*D?Cl?uݯ?m?Ƣdp?H.!?ȵb?L?St$?yCn?+5{?IFž?t$~? 8*5{?H0[w?Aǘ?&K?X2ı.?LuT5?3Mg'?Oup?(rw?+ڧ?Ѿ?g??|?fk}Ж?|~??x?_5?UD ? -?镲 q?xWL?(\?!T?xĬ?Y4 ?g?"?jM?Xj? 8*? ܺ?TB?=~o?,C?^?Q?`7l[?!%̴?Wf,?vݰm?[Z {? ǿ?ѮBO?b?~oӟH? ףp= ?!7 ?iR ??oT?wĬ?bՐ?P6 ?䠄?dF?fc]F?2%䃾?8̒?oꐛ?ZM?n4Ғ?(~k ?o?O}:?,dǦ?dp?F?ױ?M»\?,eX?_YiR ?b48?jMS?xWf,?eI)?0*D?4s?іs)*?֨ht?˾+? F%u?K8լ?h㈵?0?X޵?S㥛ĸ?/>:u?)D?YBs?k g?6vꭁ? .V`?70?q= ףp?4Fj?-R\U?c&?Y? -?>M?du?:pΈ?}bٽ??ܵ? ?=??>M?иp $ ?.9֟?/>:u??l[ ?3d?vOjM?A_?5 S"?ۢd?n??U 7?Vy?n/i?:f? F%u?oe1?0/>:u?k?\Ɏ@?Cn?ۅ:?9d?jq?EJY? 7?F%u?v/?Hm~?zަ??ŊLÐ?-#?m?#G?Cl??=?X2ı.?MbX? ?k)3?]ʾ+?_{fI? ?nLOX?lF=D?nS??'IL?bod?|~!<ڨ?du?0Bx?n?׻?9]?m?KH? Ac]?'$?c]F?D4ؙ?4c?V ?4O?@z{?GȰ?מY??.9?^?!A?"^?žvk?3h?׆q?Yڊ?bI?Z![=? p?]wb֋?R,?wb֋?6T7?:K?k+ݓ?9]?Cfھ?(r?Y?ʡE?.!u? D )?J4? F%u?IFž?Tآ?9b->?h? Kt?3f?S"^? ?KTo ?<;?K=U?oŏ1?LuT5?ʦ\? 7è?#0?s?*3h?]Fx ?*g\8?Tt$?6ُ? ?:;%?X?䠄?n?Bi?>?qUwE?Biq?E?^hHK?ٙB5v?}bٽ?7[ A?"?F_Ah?/L F?*g\?:?bE ?`Ù?Gr?g?镲 ?K46?+ h?խ? ^?n?X?*?#bJ$?"^F?%? +?L$z?гY?=,Ԛ?wg?BsFZ?]zk`?a?䞮Xlc?e?N$h?t^cj?m?߇(_p?uq?ƟlXs?x@t?"kv?ڐfx?+]gCy?V|?^SH~? IG?cxg?g,{??q?V6o?I m?$ۇ?A9w^?u?;3?VP?GV? <^?-\o`? 8@da?;Pd?͓k dvf?;ŪAh?p;j?ltOql?5+-#n?dqp?</Or?gdSt?+H3v?nx?+]gCy? .{?D}?}͑?]ڀ?0?Sq? c?%S;Ԇ?: U܈?A`"?ѮBO?oo>;?0đ?|s?fH?yY |E?UfJo?>yX5͛? c?K?bD(?ދ/ڣ?gs?=Ͻ? )??T1c?Y ?iG5?dU?5#E?QI&?]=1??Zk?>'I׼?;bFx?…<)?ۅ:?qWs`?@ /?qQ-"?/;?e}?y8?'1990 Chile M90AKPrepared by Roger Scott Lumsden from paper data provided by John O. Nigh I don't have much information on this table, some description in the SOA New Orleans Spring 1995 seminar "Measuring Mortality Risks in Mexico, Chile and Argentina" Record, Society of Actuaries Vol 21 No 1 - 1995  kk`UJR?#=R?dS?DAS?ƽ S?9]S?zUgS?p71$'S?8j3S?UN@S?BwIQS?0-aS?㊋rS?AS?臭S?Ժ jS?3fS?eS?y7T?(@T?^ PjT?V6oT?'T?P<U?V_]U?/ިU?NEV?eV?g|_\V?Д~PW?ŭW?@vX?]@"Y?1Y? fLZ? nl[?]2\?a]?VCK_?wِf`? fh'I?SƉ?xGo? xa?|i?2}ƅ??dȱ?^S?8՚?H]۝?s 34?jj?,( 4?4?kծ i?8t?(ȯ?? 7?bg ص?:M? y?Wx?`>? 0,?;%8??YX"?DKK?@gҦ?i2?|?5C(^e?huX?qim?/L?w?IZc?D?pUj@?~֤ے?s?8?D@?tCSv? $y??':'+1990-92 Australia IA90-92F, Female, NearestAWarren Gratton, 100242,565{Australian Insured Lives whole of life & endowment with &without term riders, female lives data contributed from 13 Offices@Ultimate exposure - 1,156,510; Ultimate duration deaths - 2,472Jan 90 to Dec 92Number of policies 4Ultimate rates for durations 2+ years only graduated )Institute of Actuaries of Australia, 1994 iaverage age of exposure = 40.7, ave age of death = 64.1 IA stands for Institute of Actuaries of Australia  cca2U0*3?d3?+ٱ1?C8 1?Mb0?C8 1?+ٱ1?+ٱ1?מY2?a2U0*3?MP4?8*5{5?Ǻ6?VF?8?'>9?yCn;?H}=?Xj@?R\U]A?dC?MۿҤD?#-#F?~jtH?t^cJ?H}M?MbP?5l/R?{GzT?kHcCW?-C6Z?d]?7T7`?;Onb?@j';d?EV f?Gŧh?_5!j?"l?.s,&6o?J4q?Έ s?0*u?)t^cw?='o|y?̯|?=~o?HĔH?~jt?g?RD?sƇ?&K?!q?8 ?Ƒ?ht??Է鲘?Օ?Zwg?|ݩ??V?z3K?M֨h?Q?ĬC?KTo ?!'>?x( ?'>9?8*5{5?d3?מY2?+ٱ1?+ٱ1?מY2?a2U0*3?q@H6?-C6:?!J>?מYB?8*5{E?c#G?'>I??ŊJ?t^cJ??ŊJ?Ah:;I?9̗G?#-#F?N ^E?8*5{E?8*5{E?8*5{E?N ^E?#-#F?ǺF?9̗G?VF?H? WH?'>I?t^cJ?3.L?%N?*g\8P?nQ?U+S?h㈵T?"V? WX?m2[?6Y]?hUM`?a?kC8c?ُae?=mg? o_i?"l?iUMuo?P6 rq?'@js?u?5x?{?&pn~?4 ?UN@??(XQi?{? ?Xj@?R\U]A?vꭁB?x C?N ^E?c#G?-C6J?"L?iUMuO?J4Q?dS?h㈵T?W?'>Y?[[%X\?iUMu_?R\U]a?1ZGUc?ُae?g? .V`j?W!'>m?*g\8p?/nr?x s?bJ$(v?~jtx?]K={?%~?{?ʉvR~?Ku?#-#?(yu?&?XL~?PpӐ?Y4 ?4s?M-[닄?ʘ?^ D?s?.!u?n?jѣ?d?c]Kȧ?JOc?OGɫs??(\?BO}?jjZ_$?^.;1?cCԷ?R8߹?80?;k]h?)s?u7Ou?ڧ1?S"^F?.lIF?5?ݵ|г?$S?(l'#1995 N.Zealand NZ95M, Male, NearestARoger Scott Lumsden 75147,2620New Zealand Insured Lives, fifteen companies data Direct Written Life, Endowment and Term on standard basis for single lives all durations combined, male only%Exposure - 3,326,649; Deaths - 15,682eJan 1 1991 to Dec 31 1995 - for 8 companies 1992 to 1995 for 4 companies 1993 to 1995 for 3 companiesNumber of policies Pcurve fitted by Heligman - Pollard formula 3 see JIA Vol 107, Part I for formula The New Zealand Society of Actuaries, Report on the 1995 Mortality Investigation by the Experience Investigation Committee, October 1996 0very little exposures or deaths at juvenile ages  dd(iUMu??-C6:? W8?VF?8?9̗7?Ǻ6?Ǻ6?Ǻ6?q@H6?q@H6?Ǻ6?VF?8?t^c:?!J>?/nB?h㈵D?VF?H?m2K?%N?XjP?70P?C8 Q?C8 Q?70P?XjP?!JN?H}M?_QK??ŊJ?Ah:;I?VF?H?9̗G?kHcCG?kHcCG?kHcCG?c#G? WH?I?yCnK?H}M? x#O?J4Q?HPsR?MۿҤT?"V?oӟHY?_Q[? <^?~oӟHa?UN@c?Ϡe?*5{h?ALj?%n?&pnp?eI)r?BBu?IZw?W 3z?y~?bՀ?"^F܂?/"?R??Ŋ?<;k?7T7?z(? %̔?# ˻?I)?ҌE?F_Ah?Ic&?!Y?c]F?9#?[ Ac?ڬ\m?O;5Y?3bb?5A}R?7?F6?G`?S"^F?'data/sample.dat0000664000175000017510000002257414236470007012251 0ustar greglmi%0001 sample pref unismoke monthly COIAGregory W. Chicares +Sample only; not meant to be very realistic  cc %?]/M>iUMu>3O>Tqs*>&|>h㈵>?̔> F> F>%>{>'eRC>IӠh>fLg> F>%>{>Tqs*>-C6>'eRC>rQ-">rQ-">rQ-">rQ-">rQ-">rQ-">rQ-">3O>K8>$Di>iUMu>3ۃ?fLg?ZQf?@fg;?X|[T?. ?صݒ ?Z H?A ?Za/?[ i?4 ;?t^c?_>Y1\?`?1zn+!?"?x #?8*5{%?FSwe'? Om)?2+?%.?_s0?J]21?A3?_L5?};l"37?K?29?W\T;?w=?@?uʣaQA?lsczB?lXSYD?}F?vG?H2wJ?}AzL? WO?<~KQ?n-S?@Û5x_U?c#W?0{vZ?ǜgK6^? \a?CR %c?/$e?*5{h??4j?؀qm?Aȗp?WmUr?-\n0t??a'v?:ؗl-C6>9̗>h㈵> 4;>{"x>iUMu>u>u>מY>0k,9>NظO>lEՎfU> u>cFQU>מY>Bx^>h㈵> N>`>.W '>.W '>.W '>.W '>.W '>.W '>.W '>9̗>T#h> W>-C6>yCn>gƴ>߻)?+ٱ?rCp?h?Q+?QI ?j'% ?X4`?vꭁ?6'?8lpd?B0Ew??Ŋ?_QF?,z?P ?/n"?kC8#?0%?3 '?LCd`)?"]j+?g-?:IF0?&ſ1?1ZGU3?ߠk4?"6?cbqm8?_oI:?9-C6>9̗>h㈵>1l8>$D\z>iUMu>cFQU>cFQU>מY>Bx^>`>~X>gƴ>li꬚?מY?9Ő?h㈵?C?̔>f녧>1E2>Ô/>Tqs*>34> T> T>QВl>lӎ>J֗[>#?,>>[NSd> T>QВl>lӎ>1E2>iUMu>J֗[?0?0?0?0?0?0?0?f녧?]/M? \ ???̔?hM=n?[NSd?/bDG?bHz ?b: ?M?q$?Ml^0?v6?Y?*B8? ^?s>?Fn1 ?Ӌ5!?Өv<#?ŷ$?TA&?v'?vk )?TV[,??{x.?Z#'0?$D2??I&L3?o9?ʯz;?K=>?EѨe@?A?f5C?*!D??$DF?c0kH?EƴJ?Q뢍L?$ g\VO?~VQ?l8R?mdT?eQW?såY?pDk\?P`?*> b?s4jd?@f? o_i?8fٓl?ΔR"p?NM8q?uOpVs?hqv?:x?jz?xŝO}?TI~?kt=?X?Qv5? _C˅?$݅r?+?/0?&_Ќ?RY? }*]?p%I'%0005 sample std nonsmoker monthly COIAGregory W. Chicares +Sample only; not meant to be very realistic  cc %?]/M>iUMu>3O>Tqs*>&|>h㈵>?̔> F> F>%>{>'eRC>IӠh>fLg> F>%>{>Tqs*>-C6>'eRC>rQ-">rQ-">rQ-">rQ-">rQ-">rQ-">rQ-">3O>K8>$Di>iUMu>3ۃ?fLg?ZQf?@fg;?X|[T?. ?صݒ ?Z H?A ?Za/?[ i?4 ;?t^c?_>Y1\?`?1zn+!?"?x #?8*5{%?FSwe'? Om)?2+?%.?_s0?J]21?A3?_L5?};l"37?K?29?W\T;?w=?@?uʣaQA?lsczB?lXSYD?}F?vG?H2wJ?}AzL? WO?<~KQ?n-S?@Û5x_U?c#W?0{vZ?ǜgK6^? \a?CR %c?/$e?*5{h??4j?؀qm?Aȗp?WmUr?-\n0t??a'v?:ؗl3O>Tqs*>&|>h㈵>?̔> F> F>%>{>'eRC>IӠh>fLg? F?%?{?Tqs* ?-C6 ?'eRC ?rQ-" ?rQ-" ?rQ-" ?rQ-" ?rQ-" ?rQ-" ?rQ-" ?3O ?K8 ?$Di ?iUMu?3ۃ?fLg?ZQf?@fg;?X|[T?.?صݒ?Z H?A !?Za/$?[ i&?4 ;(?t^c*?_>Y1\-?`/?1zn+1?2?x 3?8*5{5?FSwe7? Om9?2;?%>?_s@?J]2A?AC?_LE?};l"3G?K?2I?W\TK?wM?P?uʣaQQ?lsczR?lXSYT?}V?vW?H2wZ?}Az\? W_?<~Ka?n-c?@Û5x_e?c#g?0{vj?ǜgK6n? \q?CR %s?/$u?*5{x??4z?؀q}?Aȗ?WmU?-\n0??a'?:ؗliUMu>iUMu>iUMu>iUMu>iUMu>iUMu>iUMu>iUMu>iUMu>iUMu>h㈵?h㈵?h㈵?h㈵?h㈵?h㈵?h㈵?h㈵?h㈵?h㈵?h㈵?h㈵?h㈵?h㈵?h㈵?h㈵?h㈵?-C6 ?-C6 ?-C6 ?-C6 ?-C6 ?-C6 ?-C6 ?-C6 ?-C6 ?iUMu?iUMu?iUMu?מY?מY?h㈵?h㈵?9̗?9̗?-C6?-C6?K8?iUMu?C8 !?a2U0*#?q@H&?-C6*?iUMu/?מY2?h㈵4?VF?8?VF?8?VF?8?VF?8?VF?8?VF?8?VF?8?VF?8?VF?8?VF?8?4a'0010: sample 7pp rates AGregory W. Chicares 80 CSO male ANB, 4%  cc A"?Ȉ?+g?yՏ?=:r?w .a?fāg.?e7?~r@?mԑ?Mk=p?r ?D:4?Q:i?0o?mi=6ɕ?Ph@Zy? !;*?ѦUܗ?BÑ?#J?6T ?,CoК?`-ߟ?g.y?w:\?hlTL?~G?]c'?|LR?V&R??W9ԡ?,n?'nD? ?z a?fqR?s˥?ډ?d̟gM? <?N?L#?e.? cv?,G=\?s쨃I?:*1983 US IAM, Maleg1984 US Buck Mortality Table - Femaleh1984 US Buck Mortality Table - Male?1984 US UP, Male & FemaleP1985 Chile B85, Female*O1985 Chile B85, Male6R1985 Chile MI85, Female@Q1985 Chile MI85, MalesN1985 Chile R85, FemaleM1985 Chile R85, Male^1987 German Verbandssterbetafel R, Female81987 German Verbandssterbetafel R, MaleO41987-91 Belgium U.P.E.A., Female)1987-91 Belgium U.P.E.A., Male61988 Finland Pensioner, Female#1988 Finland Pensioner, Male:1988-90 Belgium FR, Female1988-90 Belgium MR, Male1988-90 France TV8890, Male+Female(k1989 US Buck Hourly Mortality Table - Malei1989 US Buck Mortality Table - FemaleO j1989 US Buck Mortality Table - Malex1989-93 Netherlands, Age Last, Femalee1989-93 Netherlands, Age Last, Maleb1990 Switzerland ERF, Indiv., Femalev1990 Switzerland ERM, Indiv., Male1990 Switzerland EVK, Fed. Pension, Femaleʯ1990 Switzerland EVK, Fed. Pension, Male֫1993 France TPRV 93, Male+Female-1994 German DAV R, FemaleC1994 German DAV R, Male=B1994 US GAM Static FemaleC1994 US GAM Static Maler1994 US MGDB, Age Last, Females1994 US MGDB, Age Last, Male%p1994 US MGDB, Age Nearest, Female?+q1994 US MGDB, Age Nearest, Male0@1994 US UP-94, Female6A1994 US UP-94, Male?~1995 Austria EROF G 1950, Female}1995 Austria EROM G 1950, Male1995 Switzerland GRF, Group., Female˦1995 Switzerland GRM, Group., Male¡^1995 US Buck Hourly Mortality Table - MaleG\1995 US Buck Mortality Table - FemaleM]1995 US Buck Mortality Table - MalegRt1996 US Annuity 2000 Basic, Femalexu1996 US Annuity 2000 Basic, Male/v1996 US Annuity 2000, FemaleDw1996 US Annuity 2000, MaleUK Projection scale 1955WUK Projection scale 1980 Ultimate[US Projection scale AaUS Projection scale AA, Female~fUS Projection scale AA, MalelUS Projection scale BrUS Projection scale B (mod)qwUS Projection scale CC|US Projection scale D, femaleUS Projection scale D, maleUS Projection scale E, maleVUS Projection scale F (?)(US Projection scale G, femaleʔUS Projection scale G, maleVUS Projection scale H, femaleUS Projection scale H, maleUS Projection scale I, female@US Projection scale I, malewUS Projection scale J, femaleUS Projection scale J, maleUS Projection scale X, femaleUS Projection scale X, maleUS Projection scale Y, femaleUS Projection scale Y, maleUS Projection scale Z, femaleUS Projection scale Z, maledata/qx_cso.ndx0000664000175000017510000002005406163605522012276 0ustar greglmi1941 US CSO Basic, Age Nearest, Male & Female1941 US CSO Experience, Age Nearest, Male & Femal1941 US CSO, Age Last, Male & Female1941 US CSO, Age Nearest, Male & Female 1958 US CET, Age Last, Female| 1958 US CET, Age Last, Male 1958 US CET, Age Nearest, FemaleM$ 1958 US CET, Age Nearest, Malew)1958 US CSO Basic, Age Nearest, Female. 1958 US CSO Basic, Age Nearest, Malep31958 US CSO, Age Last, Female%;1958 US CSO, Age Last, MaleLA1958 US CSO, Age Nearest, FemaleG1958 US CSO, Age Nearest, MaleM1975 US Modern CSO, Age Last, MaleS1975 US Modern CSO, Age Nearest, Male8Y1980 CET 20% Male Age laste_1980 CET 20% Male Age nearest#c1980 CET 20% Male Nonsmoker Age lastf1980 CET 20% Male Nonsmoker Age nearest4j1980 CET 20% Male Smoker Age lastm1980 CET 20% Male Smoker Age nearestp1980 CET 25% Male Age last$t1980 CET 25% Male Age nearestw1980 CET 25% Male Nonsmoker Age last{1980 CET 25% Male Nonsmoker Age nearest~1980 CET 25% Male Smoker Age lastV1980 CET 25% Male Smoker Age nearest1980 CET 40% Male Age last1980 CET 40% Male Age nearest1980 CET 40% Male Nonsmoker Age lastz1980 CET 40% Male Nonsmoker Age nearestʓ1980 CET 40% Male Smoker Age last1980 CET 40% Male Smoker Age nearestj1980 CET 50% Male Age last1980 CET 50% Male Age nearestx1980 CET 50% Male Nonsmoker Age last91980 CET 50% Male Nonsmoker Age nearest1980 CET 50% Male Smoker Age lastܫ1980 CET 50% Male Smoker Age nearest)1980 CET 60% Male Age lasty1980 CET 60% Male Age nearest71980 CET 60% Male Nonsmoker Age last1980 CET 60% Male Nonsmoker Age nearestH1980 CET 60% Male Smoker Age last1980 CET 60% Male Smoker Age nearest1980 CET 75% Male Age last81980 CET 75% Male Age nearest1980 CET 75% Male Nonsmoker Age last1980 CET 75% Male Nonsmoker Age nearest1980 CET 75% Male Smoker Age lastj1980 CET 75% Male Smoker Age nearest1980 CET 80% Male Age last1980 CET 80% Male Age nearest1980 CET 80% Male Nonsmoker Age last1980 CET 80% Male Nonsmoker Age nearest1980 CET 80% Male Smoker Age last11980 CET 80% Male Smoker Age nearest~1980 CSO 20% Male Age last1980 CSO 20% Male Age nearest1980 CSO 20% Male Nonsmoker Age lastM1980 CSO 20% Male Nonsmoker Age nearest1980 CSO 20% Male Smoker Age last1980 CSO 20% Male Smoker Age nearest=1980 CSO 25% Male Age last1980 CSO 25% Male Age nearestO 1980 CSO 25% Male Nonsmoker Age last 1980 CSO 25% Male Nonsmoker Age nearesth1980 CSO 25% Male Smoker Age last1980 CSO 25% Male Smoker Age nearest}1980 CSO 40% Male Age lastd~1980 CSO 40% Male Age nearest"1980 CSO 40% Male Nonsmoker Age last!1980 CSO 40% Male Nonsmoker Age nearest3%1980 CSO 40% Male Smoker Age last(1980 CSO 40% Male Smoker Age nearest+w1980 CSO 50% Male Age last#/x1980 CSO 50% Male Age nearest2y1980 CSO 50% Male Nonsmoker Age last6z1980 CSO 50% Male Nonsmoker Age nearest9{1980 CSO 50% Male Smoker Age lastE=|1980 CSO 50% Male Smoker Age nearest@q1980 CSO 60% Male Age lastCr1980 CSO 60% Male Age nearestGs1980 CSO 60% Male Nonsmoker Age lastaKt1980 CSO 60% Male Nonsmoker Age nearestNu1980 CSO 60% Male Smoker Age lastRv1980 CSO 60% Male Smoker Age nearestQU1980 CSO 75% Male Age lastX1980 CSO 75% Male Age nearestc\1980 CSO 75% Male Nonsmoker Age last(`1980 CSO 75% Male Nonsmoker Age nearest|c1980 CSO 75% Male Smoker Age lastf1980 CSO 75% Male Smoker Age nearest$jk1980 CSO 80% Male Age lastxml1980 CSO 80% Male Age nearest6qm1980 CSO 80% Male Nonsmoker Age lasttn1980 CSO 80% Male Nonsmoker Age nearestGxo1980 CSO 80% Male Smoker Age last{p1980 CSO 80% Male Smoker Age nearest~1980 US CET Female Age last71980 US CET Female Age nearest1980 US CET Female Nonsmoker Age last01980 US CET Female Nonsmoker Age nearest]1980 US CET Female Smoker Age last1980 US CET Female Smoker Age nearest1980 US CET Male Age last1980 US CET Male Age nearestB71980 US CET Male Nonsmoker, ALB Table EV^1980 US CET Male Nonsmoker, ALB Table F5H81980 US CET Male Nonsmoker, ANB Table E d 1980 US CET Male Nonsmoker, ANB Table FM!1980 US CET Male Smoker Age last٤"1980 US CET Male Smoker Age nearest1980 US CSO Basic Female Age nearest+1980 US CSO Basic Female Nonsmoker Age nearestX1980 US CSO Basic Female Smoker Age nearest[1980 US CSO Basic Male Age nearest[1980 US CSO Basic Male Nonsmoker Age nearest1980 US CSO Basic Male Smoker Age nearest#1980 US CSO Female Age last$1980 US CSO Female Age nearest%1980 US CSO Female Nonsmoker Age lastw&1980 US CSO Female Nonsmoker Age nearest['1980 US CSO Female Smoker Age last(1980 US CSO Female Smoker Age nearest})1980 US CSO Male Age last*1980 US CSO Male Age nearest91980 US CSO Male Nonsmoker, ALB Table Ei+1980 US CSO Male Nonsmoker, ALB Table FS:1980 US CSO Male Nonsmoker, ANB Table E'o,1980 US CSO Male Nonsmoker, ANB Table FX-1980 US CSO Male Smoker Age last.1980 US CSO Male Smoker Age nearest/1980 US CSO Selection Factors, Female01980 US CSO Selection Factors, Male11994 US Reg 830 Selection Factors, Female aggrega<21994 US Reg 830 Selection Factors, Female nonsmokh31994 US Reg 830 Selection Factors, Female smoker}41994 US Reg 830 Selection Factors, Male aggregate+51994 US Reg 830 Selection Factors, Male nonsmoker61994 US Reg 830 Selection Factors, Male smokerdata/qx_ins.ndx0000664000175000017510000002245006277633264012317 0ustar greglmi1793 UK Northampton1815 UK Carlisle1843 UK Actuaries Combined1 ,1868 US AE, Age Nearest, Unisex1869 UK Hm, Age Nearest, Male1893 UK Om, Age Nearest, Male1893 UK Om[5], Age Nearest, Male(".1906 US Standard Industrial, Age Next&1918 Canada CM(5), Age Nearest, Unisex1,-1918 US AM(5), Age Nearest, Unisex21924 US Linton A Lapse81926-33 US ADB, Nearest, Male+Female:^1930-39 US Miller's, Male+Female, Age nearest?1931 Colombia TCM, UnisexSL1934 UK A1924-29, Male+Female, Age nearestO_1939-44 US SOA Basic, Male+Female, Age nearest]/1941 US Standard Industrial, Age Next~c51944 US RRB Employee,i`1946-49 US SOA Basic, Male+Female, Age nearest41956 Texas Chamberlain, Male & Female, Age next81956 US x-17, Age Nearest, Male71956 US x-18 Basic, Age Nearest, Male1956-62 South Africa Assured Lives 1957 Colombia TCMA, Unisexb1957-60 US SOA Basic, Female, Age nearestc1957-60 US SOA Basic, Male, Age nearest(1958-64 Canada CIA Basic Female, Last1958-64 Canada CIA Basic Female, Nearest1958-64 Canada CIA Basic Male, Last 1958-64 Canada CIA Basic Male, Nearest01959 US ADB, Last, Male+Female@1959 US ADB, Nearest, Male+FemaleTF01960 US CSG Basic, Age Nearest, UnisexiL11960 US CSG, Age NearestR1960 US Moorhead R LapseZ1960 US Moorhead S LapseE]1960 US Moorhead T Lapse`31961 US CSI Basic, Age Next, Male & Femalec61961 US CSI Extended Term, Next, Male & FemaleUj21961 US CSI, Age Next, Male & Femalep1962-67 Mexico, Male & Femalev1964-70 Australia IA64-70, Nearest, Male+Femalez1965-69 Japan All Company, Male + Femalehd1965-70 US SOA Basic Female, Age lastƈe1965-70 US SOA Basic Female, Age nearest}f1965-70 US SOA Basic Male, Age lastg1965-70 US SOA Basic Male, Age nearestv1967-70 UK A1967-70(5), Male, Age nearest$1967-70 UK A1976-70(2), Male, Age nearest<1968-72 Canada CIA Group ADB, Female, NearestWI1968-72 Canada CIA Group ADB, Male, Nearest+Q1968-72 Canada CIA Group ADB, Unisex, NearestX1968-72 Canada CIA Group Death Only, Female, ANB`1968-72 Canada CIA Group Death Only, Male, ANBh1968-72 Canada CIA Group Death Only, Unisex, ANB(q1968-72 Canada CIA Group Death+Dis., Female, ANBSy1968-72 Canada CIA Group Death+Dis., Male, ANB1968-72 Canada CIA Group Death+Dis., Unisex, ANB1968-72 Canada CIA Group Death+Wvr, Female, ANBw1968-72 Canada CIA Group Death+Wvr, Male, ANB1968-72 Canada CIA Group Death+Wvr, Unisex, ANB1968-72 Canada CIA Group Perm Disab., Male, ANB)1968-72 Canada CIA Group Perm Disab., Unisex, ANB1968-72 Canada CIA Group Waiver Only, Female, ANBմ1968-72 Canada CIA Group Waiver Only, Male, ANB1968-72 Canada CIA Group Waiver Only, Unisex, ANB1968-72 Canada CIA Group Wvr+Perm, Female, ANBn1968-72 Canada CIA Group Wvr+Perm, Male, ANB1968-72 Canada CIA Group Wvr+Perm, Unisex, ANB1969-75 Canada CIA Basic Female, Last1969-75 Canada CIA Basic Female, Nearest1969-75 Canada CIA Basic Female, Nonsmoker, Last01969-75 Canada CIA Basic Female, Nonsmoker, NeareN1969-75 Canada CIA Basic Female, Smoker, Lastm1969-75 Canada CIA Basic Female, Smoker, Nearestx1969-75 Canada CIA Basic Male, Lastv1969-75 Canada CIA Basic Male, Nearest1969-75 Canada CIA Basic Male, Nonsmoker, Last1969-75 Canada CIA Basic Male, Nonsmoker, Nearest1969-75 Canada CIA Basic Male, Smoker, Last61969-75 Canada CIA Basic Male, Smoker, NearestqT1970-73 India LIC, Male+Femalems1970-75 US ADB Experience, Last, Femalew1970-75 US ADB Experience, Last, Male|1970-75 US ADB Experience, Last, Male+Female1970-75 US ADB Experience, Nearest, Female1970-75 US ADB Experience, Nearest, MaleD1970-75 US ADB Experience, Nearest, Male+Female1971-72 US LIMRA Permanent Lapse1971-72 US LIMRA Term Lapse1972-76 Japan All Company, Female *1972-76 Japan All Company, Male 1972-77 South Africa Assured Lives ֨1973-78 Phillipine Intercompany Table Ʋ1975-77 Quebec ADB Experience, Female, ANB1975-77 Quebec ADB Experience, Male, ANBv1975-78 UK FA1975-78(2), Female, Age nearest1975-79 India LIC, Male+Femaleh1975-80 US SOA Basic Female, Age last(i1975-80 US SOA Basic Female, Age nearestj1975-80 US SOA Basic Male, Age lastM'k1975-80 US SOA Basic Male, Age nearestM1976-83 Singapore ru1977-83 Malaysia w1979-80 Japan All Company, Female /z1979-80 Japan All Company, Male;~1979-82 UK AF80 Female, Age nearestD1979-82 UK AM80 Male, Age nearest1979-82 UK AM80[5] Male, Age nearestě1979-82 UK TM80 Male, Age nearest1982-88 Canada CIA Basic Female, Age Nearest1982-88 Canada CIA Basic Female, LastN1982-88 Canada CIA Basic Female, Nonsmoker, Last71982-88 Canada CIA Basic Female, Nonsmoker, Neare51982-88 Canada CIA Basic Female, Smoker, LastU1982-88 Canada CIA Basic Female, Smoker, Nearestpt1982-88 Canada CIA Basic Male, Last1982-88 Canada CIA Basic Male, Nearest1982-88 Canada CIA Basic Male, Nonsmoker, Last^1982-88 Canada CIA Basic Male, Nonsmoker, Nearest1982-88 Canada CIA Basic Male, Smoker, Last$$1982-88 Canada CIA Basic Male, Smoker, NearestB1982-89 Mexico Adjusted, Maleb1982-89 Mexico Basic, Male3g1983-88 Malaysia, Female k1983-88 Malaysia, Male o1983-88 Singapore, Female r1983-88 Singapore, Male Bv1984-85 Japan All Company, Femaley1984-85 Japan All Company, Male1984-87 N.Zealand NZ84-87M, Male, NearestQ1984-88 Colombia TCMA, Unisex~1985-90 Australia IA85-90F, Female, Nearest1985-90 Australia IA85-90M, Male, Nearestϕ1986 Thailand RP rates1986-92 Canada CIA Basic Female, Lastɞ1986-92 Canada CIA Basic Female, Nearest#1986-92 Canada CIA Basic Female, Nonsmoker, Last&1986-92 Canada CIA Basic Female, Nonsmoker, Neare1986-92 Canada CIA Basic Female, Smoker, Last<1986-92 Canada CIA Basic Female, Smoker, Nearest`_1986-92 Canada CIA Basic Male, Lastς1986-92 Canada CIA Basic Male, Nearest߯1986-92 Canada CIA Basic Male, Nonsmoker, Last1986-92 Canada CIA Basic Male, Nonsmoker, Nearest> 1986-92 Canada CIA Basic Male, Smoker, Lasth+ 1986-92 Canada CIA Basic Male, Smoker, NearestP 1989 Taiwan TSO, Female /v 1989 Taiwan TSO, Male Dy 1990 Chile M90W| 1990-92 Australia IA90-92F, Female, Nearest) 1990-92 Australia IA90-92M, Male, Nearest 1995 N.Zealand NZ95F, Female, Nearest` 1995 N.Zealand NZ95M, Male, Nearestl data/sample.ndx0000664000175000017510000000110414236470007012254 0ustar greglmi0001 sample pref unismoke monthly COI0002 sample pref nonsmoker monthly COI0003 sample pref smoker monthly COI0004 sample std unismoke monthly COIW 0005 sample std nonsmoker monthly COI0006 sample std smoker monthly COI0007 US GPT corridor factors0008 sample waiver monthly rates` 0009 sample ADD rates# 0010: sample 7pp rates!