Exhibit 6(g)
AUTOMATIC YRT
REINSURANCE AGREEMENT
BETWEEN
GE LIFE AND ANNUITY ASSURANCE COMPANY
RICHMOND, VIRGINIA
- and -
THE CANADA LIFE ASSURANCE COMPANY
XXXXXXX, XXXXXXX, XXXXXX
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Agreement Ref.QARYR2-0202
TABLE OF CONTENTS
SECTION l. BASIS OF AGREEMENT 1
SECTION 2. AUTOMATIC REINSURANCE 2
SECTION 3. FACULTATIVE REINSURANCE 3
SECTION 4. COMMENCEMENT AND TERMINATION OF REINSURANCE LIABILITY 4
SECTION 5. REINSURANCE OF CONDITIONAL RECEIPT AND/OR TEMPORARY INSURANCE
AGREEMENT 4
SECTION 6. ENTIRE AGREEMENT 5
SECTION 7. REPORTING OF REINSURANCE 5
SECTION 8. REINSURANCE BASIS AND AMOUNT AT RISK 5
SECTION 9. REINSURANCE PREMIUMS 6
SECTION 10. ACCOUNTS 7
SECTION 11. POLICY FEES 8
SECTION 12. TAXES 8
SECTION 13. CURRENCY 8
SECTION 14. POLICY CHANGES 9
SECTION 15. TERMINATION OF REINSURANCE 10
SECTION 16. REINSTATEMENTS 10
SECTION 17. EXTENDED TERM INSURANCE 11
SECTION 18. REDUCED PAID-UP INSURANCE 11
SECTION 19. RECAPTURE OF REINSURANCE 12
SECTION 20. ERRORS AND OMISSIONS 13
SECTION 21. POLICY RESCISSION 13
SECTION 22. SETTLEMENT OF CLAIMS 13
SECTION 23. DETERMINATION OF DISPUTES 16
SECTION 24. INSOLVENCY 17
SECTION 25. ACCESS TO RECORDS 18
SECTION 26. DURATION OF AGREEMENT 18
SECTION 27. ASSUMPTION REINSURANCE 18
SECTION 28. FEDERAL TAXES 19
SECTION 29. EFFECTIVE DATE 20
SECTION 30. EXECUTION OF AGREEMENT 20
EXHIBITS
EXHIBIT 1. REINSURANCE SPECIFICATIONS
EXHIBIT 2. THE CEDING COMPANY'S MAXIMUM LIMITS OF RETENTION
EXHIBIT 3. THE REINSURER'S AUTOMATIC PARTICIPATION LIMITS
EXHIBIT 4. THE REINSURER'S FACULTATIVE RATE CAPACITY
EXHIBIT 5. AUTOMATIC BINDING LIMITS
EXHIBIT 6. APPLICATION FOR REINSURANCE
EXHIBIT 7. DEATH CLAIM FORM
EXHIBIT 8. SELF ADMINISTRATION REPORTING REQUIREMENTS
EXHIBIT 9. BULK REPORTING FORM
EXHIBIT 10. REINSURANCE RATES
EXHIBIT 11. PLAN DESCRIPTION
EXHIBIT 12. CONDITIONAL RECEIPT AND/OR TEMPORARY INSURANCE AGREEMENT
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THIS AGREEMENT, effective on the date provided herein, is made and entered into
by and between:
GE LIFE AND ANNUITY ASSURANCE COMPANY
a corporation organized under the laws of the State of Virginia,
(hereinafter referred to as "the Ceding Company")
- and -
THE CANADA LIFE ASSURANCE COMPANY
a corporation organized under the laws of the Dominion of Canada,
(hereinafter referred to as "the Reinsurer").
WHEREAS the Ceding Company is authorized to conduct the business of life
insurance and is desirous of obtaining certain reinsurance facilities,
AND WHEREAS the Reinsurer is authorized to reinsure such business,
AND WHEREAS the Parties hereto have agreed to enter into an arrangement wherein
the Ceding Company shall obtain the desired reinsurance from the Reinsurer,
NOW THEREFORE THIS INDENTURE WITNESSETH that in consideration of the mutual
covenants, promises, and payments herein stated, the Ceding Company and the
Reinsurer hereby agree as follows.
SECTION 1. BASIS OF AGREEMENT
The reinsurance facilities provided under this Agreement apply only to the
business set out in Exhibit 1, Reinsurance Specifications and Exhibit 11, Plan
Description.
Any material change in plan features, such as contractual provisions or options,
premium rates, underwriting standards and practices, or underwriting classes
shall be deemed to create a new class of business to which this Agreement shall
not apply unless the Reinsurer has agreed in writing to such changes.
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SECTION 2. AUTOMATIC REINSURANCE
(a) Automatic
Except as provided in Section 2(b), the Ceding Company agrees to cede and
the Reinsurer agrees to accept, up to the Automatic Participation Limits
set out in Exhibit 3, the excess of life insurance and supplementary
benefits provided for under Exhibit 1, Reinsurance Specifications, as may
be written by the Ceding Company under direct application over the sum of
its limits of retention as per Exhibit 2, The Ceding Company's Maximum
Limits of Retention.
(b) Limitation of Automatic Reinsurance
Automatic reinsurance shall not be provided under this Agreement with
respect to:
(i) Any life under which the Ceding Company retains less than its maximum
limit of retention as per Exhibit 2, The Ceding Company's Maximum
Limits of Retention; or
(ii) Any life to which the exclusions set out in Exhibit 5, Automatic
Binding Limits, apply; or
(iii) Any life which is defined as a Jumbo Risk as outlined in Exhibit 1,
Reinsurance Specifications; or
(iv) Any life in respect of which reinsurance ceded or to be ceded under
this and all other agreements in effect between the Ceding Company and
the Reinsurer would exceed the limits set out in Exhibit 5, Automatic
Binding Limits; or
(v) Any life which has been or is being submitted to the Reinsurer or any
other company by the Ceding Company on a facultative basis.
For the purposes of this Section, the Ceding Company's maximum limit of
retention may apply to previously issued insurance or currently applied for
insurance. If the Ceding Company has retained its maximum limit of
retention on previously issued insurance, it may cede reinsurance arising
from new insurance automatically in accordance with its underwriting
assessment even though it is unable to retain any portion of the new
insurance.
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SECTION 3. FACULTATIVE REINSURANCE
(a) Facultative
The Ceding Company may apply to the Reinsurer for facultative reinsurance,
up to the Facultative Rate Capacity set out in Exhibit 4, on the plans of
insurance set out in Exhibit 1, Reinsurance Specifications with respect to:
(i) Life insurance applications written by the Ceding Company for amounts
of insurance in excess of those provided for under Section 2,
Automatic Reinsurance, or
(ii) Life insurance applications written by the Ceding Company where the
Ceding Company does not retain its maximum limit of retention as per
Exhibit 2, The Ceding Company's Maximum Limits of Retention, or
(iii) Life insurance applications written by the Ceding Company to which
the exclusions in Exhibit 5, Automatic Binding Limits, apply, or
(iv) Life insurance applications written by the Ceding Company that are
defined as Jumbo Risks as per Exhibit 1, Reinsurance Specifications,
or
(v) Life insurance applications which have been or are being submitted to
any other company by the Ceding Company on a facultative basis.
(b) Application for Facultative Reinsurance
In order to apply for facultative reinsurance, the Ceding Company shall
notify the Reinsurer of the facultative reinsurance being applied for by
sending to the Reinsurer an Application for Reinsurance as per Exhibit 6.
Copies of the original application, all medical examinations, laboratory
reports, inspection reports and all other information which the Ceding
Company may have pertaining to the insurability of the risk shall accompany
the Application for Reinsurance. Any other material information
subsequently available to the Ceding Company and which is pertinent to the
underwriting of the risk shall be transmitted promptly to the Reinsurer.
(c) Offer of Facultative Reinsurance
The Reinsurer shall advise the Ceding Company promptly of the Reinsurer's
offer or declination of the Application for Reinsurance.
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SECTION 4. COMMENCEMENT AND TERMINATION OF REINSURANCE LIABILITY
(a) Automatic Reinsurance
The liability of the Reinsurer shall commence simultaneously with that of
the Ceding Company.
The liability of the Reinsurer for automatic reinsurance shall cease when
the liability of the Ceding Company ceases.
(b) Facultative Reinsurance
The liability of the Reinsurer shall commence when the Reinsurer has
received written notification or notification by fax or e-mail during the
lifetime of the insured that its offer has been accepted by the Ceding
Company. This notification should be received within one hundred and twenty
(120) days of offer.
The liability of the Reinsurer for facultative reinsurance shall cease when
the liability of the Ceding Company ceases.
SECTION 5. REINSURANCE OF CONDITIONAL RECEIPT AND/OR TEMPORARY INSURANCE
AGREEMENT
The Reinsurer agrees to automatically reinsure, up to the limits indicated in
Exhibit 3, The Reinsurer's Automatic Participation Limits, conditional receipt
and/or temporary life insurance written by the Ceding Company under direct
application provided that:
(a) The agreements of conditional receipt and/or temporary life insurance have
been written in accordance with the Ceding Company's published practice as
set out in Exhibit 12, Conditional Receipt and/or Temporary Insurance
Agreement and
(b) The application for life insurance to which the agreement of conditional
receipt and/or temporary life insurance relates qualifies as automatic
reinsurance in accordance with Section 2, Automatic Reinsurance.
The Ceding Company shall notify the Reinsurer of any material changes to the
Ceding Company's published practices and limits.
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SECTION 6. ENTIRE AGREEMENT
This Reinsurance Agreement, together with the monthly statement indicating
automatic or facultative reinsurance and, in the case of facultative cessions,
the application for reinsurance, any underwriting information, and the
notification of acceptance of facultative reinsurance, shall constitute the
entire agreement between the parties. Any alterations to the provisions of this
Agreement shall be made by Amendment, Addenda or by correspondence attached to
the Agreement embodying such alterations as may be agreed upon and signed by
both parties. These documents shall be regarded as part of this Agreement and
shall be equally binding.
SECTION 7. REPORTING OF REINSURANCE
On a monthly basis, the Ceding Company shall send to the Reinsurer a statement,
together with its remittance, covering:
(a) all outstanding new reinsurance for which acceptance has been sent,
(b) renewal reinsurance premiums for all policies together with any adjustments
in reinsurance premiums, and
(c) any change to the policy status.
Automatic Submissions
All automatic reinsurance ceded in accordance with this Agreement shall be on a
self-administered reporting basis as outlined in Exhibit 8, Self Administration
Reporting Requirements.
The Ceding Company shall have the responsibility of maintaining adequate records
for the administration of that portion of the reinsurance account and shall
report business to the Reinsurer in accordance with requirements as outlined in
Exhibit 8.
Facultative Submissions
All facultative reinsurance ceded in accordance with this Agreement shall be
ceded on an individual policy basis as outlined in Exhibit 8, Self
Administration Reporting Requirements.
SECTION 8. REINSURANCE BASIS AND AMOUNT AT RISK
Reinsurance ceded under this Agreement shall be on what is commonly known as the
Yearly Renewable Term basis. The amount of reinsurance coverage shall be based
upon the net amount at risk, that is, the face amount less a fund which
represents the savings element in the policy. Basic policies and riders are
included in determining the net amount at risk. The overriding principle
involved is that the Reinsurer and the Ceding Company shall each continue to
insure their original proportionate share of the amount of risk.
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SECTION 8. REINSURANCE BASIS AND AMOUNT AT RISK (Continued)
Amounts at risk shall be calculated as follows.
(a) For the Ceding Company's term plans, the amount at risk applicable to each
policy year shall be the reinsured portion of the face amount applicable at
the beginning of the policy year.
(b) For the Ceding Company's non-term plans, the net amount at risk applicable
to each policy year shall be the death benefit reinsured less the cash
value of the portion reinsured.
SECTION 9. REINSURANCE PREMIUMS
(a) Monthly Reinsurance Premiums
Reinsurance premiums shall be paid monthly in arrears irrespective of the
method of payment of premium on the policy and shall be in accordance with
the attached tables of reinsurance premium rates and percentage discounts
as per Exhibit 10, Reinsurance Rates.
(b) Mortality Extras
(i) Rates
Standard reinsurance risk rates are increased by 25% for each table of
additional mortality.
(ii) Allowances
Standard risk allowances apply to all risks reinsured.
(c) Flat Extra Reinsurance Premiums
If a flat extra premium (whether temporary or permanent) is charged under
the policy, the Reinsurer shall be paid the extra reinsurance premium
applicable to the face amount of the life risk at the same monthly rate as
charged by the Ceding Company, less percentage allowances as follows.
Permanent extras and temporary extras payable for over 5 years:
- First year 75%
- Renewal Years 10%
Temporary extras payable for five years or less:
- Each year 10%
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SECTION 9. REINSURANCE PREMIUMS (Continued)
(d) Rate Guarantee Period
The reinsurance premiums for new business are guaranteed for the period of
one year.
(e) Accidental Death Benefit
This benefit shall not be reinsured under this Agreement.
(f) Waiver of Premium
This benefit shall not be reinsured under this Agreement.
SECTION 10. ACCOUNTS
(a) Reinsurance Premiums
The reinsurance premiums are due on the policy commencement date and each
month thereafter. The Ceding Company shall pay the Reinsurer these
reinsurance premiums within sixty (60) days following the month in which
the premium is due.
In the event that a reinsurance premium is not paid by the Ceding Company
to the Reinsurer within the sixty-day (60-day) period, the reinsurance
shall continue in force except as provided in (b) below, and the Ceding
Company shall pay to the Reinsurer the overdue reinsurance premium together
with interest at the same rate as paid by the Ceding Company on delayed
payment of claims, compounded monthly from the due date of payment.
Any outstanding balances due from the Reinsurer to the Ceding Company shall
be treated similarly.
Any reinsurance premium payment or reinsurance premium refund is calculated
as of the day of the month in which it actually falls.
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SECTION 10. ACCOUNTS (Continued)
(b) Non-Payment of Reinsurance Premiums
When the undisputed reinsurance premiums are unpaid after the sixty-day
(60-day) period, the Reinsurer may give the Ceding Company notice that the
reinsurance coverage shall terminate if the overdue undisputed reinsurance
premiums with interest are not paid within thirty (30) days from the date
of the notice.
If such notice has been given and the undisputed reinsurance premiums
remain unpaid, the reinsurance coverage shall be terminated ninety-one (91)
days after the reinsurance premium due date.
Notwithstanding such termination, the Ceding Company shall remain liable
for the outstanding reinsurance premiums, plus interest to the date of
payment.
SECTION 11. POLICY FEES
There shall be no policy fees payable under this Agreement.
SECTION 12. TAXES
In jurisdictions which impose premium taxes on the Ceding Company without
deductions for reinsurance, the Reinsurer shall reimburse the Ceding Company for
taxes paid on the amount of the reinsurance premiums according to the premium
tax basis shown in Exhibit 1, Reinsurance Specifications, unless the Reinsurer
is required to pay direct tax on reinsurance premiums, in which case the
Reinsurer is not required to reimburse the Ceding Company for such taxes. In any
jurisdiction where the tax is calculated on the premiums less certain
deductions, any reimbursement by the Reinsurer shall be on the same basis.
The Reinsurer shall not be responsible for the reimbursement of any taxes other
than those outlined above.
SECTION 13. CURRENCY
Reinsurance shall be in the same currency as the Ceding Company policy unless
otherwise agreed upon between the Ceding Company and the Reinsurer as set out in
Exhibit 1, Reinsurance Specifications.
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SECTION 14. POLICY CHANGES
If any non-contractual change that changes the scheduled amounts of reinsurance
or improves or extends the terms of coverage is made on a policy reinsured on an
automatic basis, or if any change is made to a policy reinsured on a facultative
basis, the Reinsurer must give its consent thereto.
Policy changes shall be treated as follows:
(a) Increase in Amount at Risk
Any contractual increase in risk shall be treated in accordance with
Section 8, Reinsurance Basis and Amount at Risk.
A non-contractual increase in amount shall be treated as if it were a new
policy, and the Reinsurer shall not be obligated to accept any such
increase unless it qualifies as automatic reinsurance under the limits set
out in this Agreement.
(b) Decrease in Amount at Risk
If the policy is reduced in amount, the net amount at risk reinsured shall
be reduced as of the same date and in the same proportion as the original
terms.
Any contractual decrease in risk shall be treated in accordance with
Section 8, Reinsurance Basis and Amount at Risk.
(c) Reduction in Mortality Rating
If, following the consideration of new underwriting evidence, the Ceding
Company makes a reduction in the mortality rating of the policy and the
policy was initially ceded to the Reinsurer on an automatic basis, the same
reduction shall be made in the reinsurance coverage.
If the policy was initially ceded to the Reinsurer on a facultative basis,
and if, following the consideration of new underwriting evidence, the
Ceding Company can accept or place the policy at a lower mortality rating
than that of the Reinsurer, then the Ceding Company shall have the right to
terminate the reinsurance.
The Ceding Company shall, before such termination, afford the Reinsurer the
opportunity to quote a new rating and shall always attempt to maintain the
existing reinsurance.
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SECTION 14. POLICY CHANGES (Continued)
(d) Plan Changes
On any plan change, the Reinsurer shall attempt to provide reasonable
reinsurance terms for the new plan, which take into account any new
evidence received, new commissions paid and expenses incurred by the Ceding
Company.
(e) Term Conversions
The Ceding Company shall retain all conversions.
SECTION 15. TERMINATION OF REINSURANCE
If the policy is terminated by death, lapse, surrender or otherwise, the
reinsurance shall terminate on the same date. If reinsurance premiums have been
paid on the reinsurance for a period beyond the date of termination, there shall
be a refund of prepaid reinsurance premium, without interest, in respect to that
period.
If the policy continues in force without payment of premium during any days of
grace or pending its surrender, whether such continuance be as a result of a
policy provision or of a practice of the Ceding Company, the reinsurance shall
continue with payment of reinsurance premium and shall terminate on the same
date as the Ceding Company's risk terminates.
If the policy continues in force because of the operation of an Automatic
Premium Loan provision or other such provision by which the Ceding Company
receives compensation for its risk, then the reinsurance shall also continue and
the Ceding Company shall pay to the Reinsurer the reinsurance premium for the
period to the date of cancellation.
SECTION 16. REINSTATEMENTS
If the policy was reinsured on an automatic basis and an application is made by
the Policyholder for reinstatement in accordance with the terms of the policy,
the reinsurance cession shall be reinstated automatically and the Ceding Company
shall not be required to forward any documents to the Reinsurer.
Whenever an application is made by the Policyholder for reinstatement in
accordance with the terms of the policy and the policy was originally reinsured
facultatively, copies of such application for reinstatement, any personal
declaration or medical examination, and any other underwriting document shall be
forwarded by the Ceding Company to the Reinsurer together with an application
for reinstatement of the reinsurance.
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SECTION 16. REINSTATEMENTS (Continued)
Such application shall be sent to the Reinsurer only in the following cases:
(i) The Ceding Company has not kept its full retention initially, as defined in
Section 2, Automatic Reinsurance, or
(ii) Reinstatement occurs ninety (90) days or more after the policy has lapsed.
The Reinsurer shall notify the Ceding Company promptly of its acceptance or
declination of the application for reinstatement.
Reinsurance premiums shall be paid to the Reinsurer for whatever time period is
covered by the premiums received by the Ceding Company. The Reinsurer shall
receive interest on these reinsurance premiums for the same period and at the
same rate as premiums collected by the Ceding Company on the policy. In the
event that the policy is redated, the reinsurance premiums payable shall be at
the appropriate policy year rate.
When a policy is reinstated by the Ceding Company, the reinsurance coverage
shall be reconstructed in a like manner with respect to dating, coverage, and
back premiums, provided the treatment of these falls within the Ceding Company's
normal rules.
SECTION 17. EXTENDED TERM INSURANCE
If the policy is changed to Extended Term Insurance, the reinsurance shall
continue on a YRT basis. The reinsurance amount shall be in the same proportion
to the Extended Term amount as was the initial reinsurance amount to the initial
face amount of the policy. The amount so calculated shall, however, be reduced
by that proportion of any cash value provided under the Extended Term benefit
which relates to the reinsured portion of the policy. YRT reinsurance premiums
as per Exhibit 10, Reinsurance Pates, at point in scale using a rate of 25%
higher than standard, shall be paid to the Reinsurer, and any extra reinsurance
premiums shall continue to be payable as described in Section 9, Reinsurance
Premiums.
SECTION 18. REDUCED PAID-UP INSURANCE
If the policy is changed to Reduced Paid-up, the reinsurance shall continue on a
YRT basis. The reduced reinsurance amount shall be in the same proportion to the
Reduced Paid-up amount as was the initial reinsurance amount to the initial face
amount of the policy. YRT reinsurance premiums as per Exhibit 10, Reinsurance
Rates, shall continue to be paid to the Reinsurer at point in scale, and any
extra reinsurance premiums shall continue to be payable as described in Section
9, Premiums.
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SECTION 19. RECAPTURE OF REINSURANCE
(a) Rules for Recapture
The Reinsurer shall permit the Ceding Company to recapture all or part of
an existing reinsurance cession provided:
(i) The Ceding Company has kept its maximum retention on the policy, as
described in Exhibit 1, Reinsurance Specifications, at the policy
commencement date;
(ii) The Ceding Company has increased its retention for new business since
the policy commencement date, provided the increase is not the result
of an acquisition or merger by or with another company;
(iii) The Ceding Company has given the Reinsurer written notification of
its intent to recapture within ninety (90) days of the effective date
of such increase in retention;
(iv) No reinsurance cession is recaptured prior to its tenth (10th)
anniversary without the mutual agreement of the Reinsurer and the
Ceding Company;
(v) Once recapture is permitted, all eligible reinsurance, including any
supplementary benefits, is recaptured in full from the Reinsurer;
(vi) The amount to be recaptured does not exceed an amount equal to the
increase in retention under the policy between its commencement date
and the date of recapture; and,
(vii) Each eligible reinsurance cession is recaptured on its anniversary
following; the commencement of the recapture procedure.
(b) Cessions Under Waiver of Premium Claim
If Waiver of Premium is coinsured under this Agreement, the Ceding Company
must include in any recapture those eligible cessions in a state of Waiver
of Premium Claim, including those later discovered to have been in a
qualifying period at the date of recapture. The Reinsurer shall pay to the
Ceding Company a mutually agreed upon Waiver of Premium claim reserve or,
if no agreement is reached, shall continue to pay the appropriate Waiver of
Premium benefit, and the reinsurance cession shall not be recaptured.
(c) Trivial Amounts
The Ceding Company shall recapture all cessions on the first policy
anniversary following the reduction of the amount at risk to less than
$10,000.
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SECTION 20. ERRORS AND OMISSIONS
In the event the Ceding Company or the Reinsurer shall fail to perform or makes
an error in the performance of an obligation which is shown to result from a
clerical error or omission, the Ceding Company and the Reinsurer shall be
restored to the position they would have occupied had no such clerical error or
omission occurred provided written notice of such error or omission is delivered
to the other party as soon as possible after its discovery. This Section shall
not apply to applications for facultative reinsurance for which the Reinsurer
has not received written notification that its offer of facultative reinsurance
has been accepted by the Ceding Company in accordance with Section 4 (b),
Commencement and Termination of Reinsurance Liability.
SECTION 21. POLICY RESCISSION
If, after a policy involving reinsurance has been placed in force, new
information received by the Ceding Company indicates that the policy might be
rescinded, the Ceding Company shall report this information promptly to the
Reinsurer.
Rescission expenses incurred by the Ceding Company's full-time employees,
including any routine investigative costs, shall be borne by the Ceding Company.
Additional costs shall be shared by the Ceding Company and the Reinsurer
proportionately, as long as each has agreed to participate.
SECTION 22. SETTLEMENT OF CLAIMS
(a) Notification
The Ceding Company shall report promptly to the Reinsurer any information
respecting a claim under the policy. Such claim made upon the Ceding
Company shall be accepted by the Reinsurer as a claim upon it for the
amount of reinsurance in force on the date the claim is incurred.
When the amount assumed by the Reinsurer under any policy of the Ceding
Company on any one life exceeds the Ceding Company's retention on said
life, the Ceding Company shall submit all papers in connection with the
claim to the Reinsurer for consideration and shall make a reasonable effort
to secure mutual agreement before making settlement of any claim on that
policy.
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SECTION 22. SETTLEMENT OF CLAIMS (Continued)
(b) Payments
Except as may be otherwise provided, the proofs of claim accepted by the
Ceding Company shall be taken as sufficient by the Reinsurer. Settlement of
the claim under the policy shall be made promptly upon receipt by the
Reinsurer of copies of proofs of claim, completed Reinsurance Death Claim
form, as per Exhibit 7, and a statement showing the amount paid on such
claim by the Ceding Company, the date of such payment, and the amount due
from the Reinsurer.
If, either by the terms of the contract or by the exercise of an option,
payment under the policy is deferred or made in installments, the Reinsurer
shall nevertheless make payment immediately in one sum.
If Waiver of Premium is coinsured under this Agreement, then, in the event
of a Total Disability claim, the Ceding Company shall continue to pay to
the Reinsurer the total reinsurance premium. The Reinsurer shall pay to the
Ceding Company its share of the gross annual premium being waived,
including any rider or supplementary benefit gross premiums being waived,
taking into account any fractions of a year for which premiums have been
waived.
If payment under the policy is delayed and interest is allowed on the
proceeds by the Ceding Company, the Reinsurer shall pay interest on the
reinsurance at the same rate and for the same period as the Ceding
Company's current claims practice, not to exceed the ninety-day (90-day)
Treasury Xxxx rate unless a higher interest rate is required by law. Where
payment on the reinsurance is delayed more than thirty (30) days beyond the
date the request for claims payment is received from the Ceding Company,
the Reinsurer shall pay interest from the date the claim is paid by the
Ceding Company at the same rate as the Ceding Company's current claims
practice.
(c) Contests and Reduced Settlements
The Ceding Company shall promptly notify the Reinsurer of any contestable
claim. The Ceding Company shall also furnish details of such action on
request, and shall furnish an itemized and certified statement of expenses
incurred thereby.
Within fifteen (15) days of receipt by the Reinsurer of all documents
requested, the Reinsurer shall notify the Ceding Company in writing of the
Reinsurer's decision whether or not to participate in the contest. If the
Reinsurer notifies the Ceding Company in writing that it has elected not to
participate in the contest, the Reinsurer shall immediately pay the Ceding
Company its share of the claim. Once the Reinsurer has paid its share, it
shall not be liable for expenses associated with the contest, compromise or
litigation.
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SECTION 22. SETTLEMENT OF CLAIMS (Continued)
(c) Contests and Reduced Settlements (Continued)
When the Reinsurer agrees in writing to participate on a contest,
compromise or litigation involving reinsurance, it shall share in the
payment of legal or investigative expenses relating to a contested claim in
the same proportion as the Reinsurer's liability bears to the Ceding
Company's liability. The Reinsurer shall not reimburse expenses associated
with non-reinsured policies.
If the Ceding Company's contest, compromise or litigation results in a
reduction in the liability of the contested policy, the Reinsurer shall
share in the reduction in the same proportion that the amount of
reinsurance bore to the amount payable under the terms of the policy on the
date of death of the insured.
(d) Adjustments for Misstatements of Age or Sex
In the event of an increase or reduction in the policy because of an
overstatement or understatement of age or misstatement of sex being
established during the life or after the death of the life insured, the
Ceding Company and the Reinsurer shall share in such increase or reduction
in proportion to their initial liabilities under the policy.
The net amount at risk shall be recalculated from commencement on the basis
of the adjusted amounts using the reinsurance schedule and reinsurance
premiums at the correct ages, and an adjustment for the difference in
reinsurance premiums, without interest, shall be made.
(e) Expenses
Expenses incurred by the Ceding Company's full-time employees, including
any routine investigative or administrative expenses, shall be borne
entirely by the Ceding Company.
Expenses for legal fees and other reasonable fees incurred in the contest
or compromise of a claim shall be shared proportionately between the Ceding
Company and the Reinsurer.
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SECTION 22. SETTLEMENT OF CLAIMS (Continued)
(f) Extra-Contractual Damages
For the purpose of this Agreement, a "claim" shall mean a demand or request
for any payment or other benefit with respect to life insurance coverage
under a policy but shall not include damages of any nature and kind
whatsoever, whether general, special, exemplary or punitive in nature.
However, in the case of a claim described under Section 22(c) of this
Article and if the Ceding Company follows the Reinsurer's written
recommendation, the Reinsurer recognizes that circumstances may arise under
which the Reinsurer, in equity, should share, to the extent permitted by
law, in paying certain assessed damages. Such circumstances are difficult
to define in advance, but involve those situations in which the Reinsurer
was an active party in the act, omission or course of conduct which
ultimately resulted in the assessment of such damages. The extent of such
sharing is dependent on a good faith assessment of culpability in each
case, but all factors being equal, the division of any such assessment
would be in proportion to what impact the Reinsurer's recommendations had
on such damages.
SECTION 23. DETERMINATION OF DISPUTES
The parties agree that the United States Federal Arbitration Act and the CPR
Rules for Non-Administered Arbitration shall apply to any dispute between the
parties.
The Ceding Company and the Reinsurer agree that the sole remedy for resolving
any and all disputes arising out of or in connection with this Agreement,
including any question regarding its existence, validity, termination or
rescission, shall be resolved by arbitration as herein provided.
All issues for arbitration shall be referred to three arbitrators, one being
chosen by the Ceding Company, one by the Reinsurer, and the third by the
aforesaid arbitrators. In the event that the first two arbitrators so chosen do
not agree as to the third arbitrator within thirty (30) days after both have
been appointed as arbitrators, the third arbitrator shall be chosen by the
American Arbitration Association. Should either party fail to choose its
arbitrator within thirty (30) days after receipt of written notice from the
other party requesting it to do so, the requesting party shall name both
arbitrators and they shall proceed in all respects as above stipulated. Each
party shall present its case to the arbitrators within ninety (90) days
following the date of appointment of the third arbitrator.
[LOGO] Canada Life
16
SECTION 23. DETERMINATION OF DISPUTES (Continued)
The arbitrators shall look to the substantive rules of the law of the Province
of Ontario as the law governing this Agreement; however, the arbitrators shall
consider the Agreement an honorable engagement rather than merely a legal
obligation, and they are relieved of all judicial formalities. The decision and
award of the majority of the arbitrators shall be final and binding upon the
Ceding Company and the Reinsurer. Judgement may be entered upon the award of the
arbitrators in any court having jurisdiction.
The arbitrators shall be active or retired officers of life insurance or
reinsurance companies and not under the control or management of either party to
this Agreement. Arbitration shall take place in Xxxxxxx, Xxxxxxx, Xxxxxx, unless
the Ceding Company and the Reinsurer agree otherwise.
Each party shall bear the expense of its own chosen arbitrator and shall jointly
and equally bear with the other the expense of the third arbitrator and of the
arbitration. In the event two arbitrators are chosen by one party, as above
provided, the expense of all arbitrators and the arbitration shall be equally
divided between the two parties.
This provision concerning arbitration shall survive the termination,
cancellation or rescission of the Agreement.
SECTION 24. INSOLVENCY
In the event of the insolvency of the Ceding Company, reinsurance under this
Agreement shall be payable directly to the Ceding Company or to its liquidator,
receiver, conservator or statutory successor on the basis of the liability of
the Ceding Company without diminution because of the insolvency of the Ceding
Company or because the liquidator, receiver, conservator or statutory successor
of the Ceding Company has failed to pay all or a portion of any claim. It is
agreed, however, that the liquidator, receiver, conservator or statutory
successor of the Ceding Company shall give written notice to the Reinsurer of
the pendency of a claim against the Ceding Company which would involve a
possible liability on the part of the Reinsurer, indicating the policy
reinsured, within a reasonable time after such claim is filed in the
conservation or liquidation proceeding or in the receivership. During the
pendency of such claim, the Reinsurer may investigate such claim and interpose,
at its own expense, in the proceeding where such claim is to be adjudicated, any
defense or defenses that they may deem available to the Ceding Company or its
liquidator, receiver, conservator, or statutory successor. The expenses thus
incurred by the Reinsurer shall be chargeable, subject to the approval of the
Court, against the Ceding Company as part of the expenses of conservation or
liquidation to the extent of a pro rata share of the benefit which may accrue to
the Ceding Company solely as a result of the defense undertaken by the
Reinsurer.
[LOGO] Canada Life
17
SECTION 24. INSOLVENCY (Continued)
In the event of the insolvency of the Reinsurer, or if there is reduction in the
Reinsurer's S&P rating below BBB, the Reinsurer shall immediately notify the
Ceding Company, in writing, of the event. The Ceding Company has the option to
unilaterally terminate the reinsurance Agreement and recapture all reinsured
business, without penalty, within 120 days or a reasonable time from receipt of
notice of the Reinsurer's insolvency or S&P rating below BBB. If the Ceding
Company unilaterally terminates the reinsurance, the Reinsurer, its liquidator,
receiver or statutory successor shall remain liable for any outstanding payments
incurred prior to the date of termination of the reinsurance.
To the extent permitted under the applicable law, the Ceding Company or the
Reinsurer may offset any balance due under the Agreement against amounts owed to
it by the other party.
SECTION 25. ACCESS TO RECORDS
Both the Ceding Company and the Reinsurer may at all reasonable times inspect at
the office of the other all records relating to any reinsurance contract of
which this Agreement forms a part.
SECTION 26. DURATION OF AGREEMENT
This Agreement shall be unlimited as to its duration but may be cancelled at any
time insofar as it pertains to new reinsurance thereafter by either party giving
ninety (90) days notice of cancellation in writing. The Reinsurer shall continue
to accept reinsurance during the ninety-day (90-day) period aforesaid and shall
remain liable on all reinsurance granted under this Agreement until the
termination or expiry of the insurance reinsured.
SECTION 27. ASSUMPTION REINSURANCE
An assumption of all or part of the block of business reinsured under this
Agreement by a Company other than the parties to this Agreement shall require
written approval from the remaining party to the Agreement. Such written
approval shall not be unreasonably withheld.
[LOGO] Canada Life
18
SECTION 28. FEDERAL TAXES
The Ceding Company and the Reinsurer hereby agree to the following pursuant to
Section 1.848-2(g)(8) of the Income Tax Regulation issued December 1992, under
Section 848 of the Internal Revenue Code of 1986, as amended. This election
shall be effective as of the Effective Date of this Agreement and for all
subsequent taxable years for which this Agreement remains in effect.
(a) The term "party" shall refer to either the Ceding Company or the Reinsurer
as appropriate.
(b) The terms used in this Article are defined by reference to Regulation
1.848-2 in effect December 1992.
(c) The party with the net positive consideration for this Agreement for each
taxable year shall capitalize specified policy acquisition expenses with
respect to this Agreement without regard to the general deductions
limitation of Section 848(c)(1).
(d) Both parties agree to exchange information pertaining to the amount of net
consideration under this Agreement each year to ensure consistency or as
otherwise required by the Internal Revenue Service.
(e) The Ceding Company shall submit a schedule to the Reinsurer by May 1 of
each year of its calculation of the net consideration for the preceding
calendar year. This schedule of calculations shall be accompanied by a
statement stating that the Ceding Company shall report such net
consideration in its tax return for the preceding calendar year.
(f) The Reinsurer may contest such calculation by providing an alternative
calculation to the Ceding Company by June 1. If the Reinsurer does not so
notify the Ceding Company, the Ceding Company shall report the net
consideration as determined by the Ceding Company in the Ceding Company's
tax return for the previous calendar year.
(g) If the Reinsurer contests the Ceding Company's calculation of the net
consideration, the parties shall act in good faith to reach an agreement as
to the correct amount by July 1. If the Ceding Company and the Reinsurer
reach agreement on an amount of the net consideration, each party shall
report such amount in their respective tax returns for the previous
calendar year.
The Reinsurer and the Ceding Company represent and warrant that they are subject
to U.S. taxation under Subchapter L of Chapter 1 of the Internal Revenue Code.
[LOGO] Canada Life
19
SECTION 29. EFFECTIVE DATE
The effective date of this Agreement shall be the 1st day of February, 2002.
SECTION 30. EXECUTION OF AGREEMENT
IN WITNESS WHEREOF, the Ceding Company and the Reinsurer have, by their
respective Authorized Officers, caused this Agreement to be executed on the
dates shown below.
GE LIFE AND ANNUITY ASSURANCE COMPANY
By: /s/ Illegible By: /s/ Illegible
--------------------------------- ------------------------------
Title: SVP Title: VP
Date: November 7, 2002 Date: November 8, 2002
THE CANADA LIFE ASSURANCE COMPANY
By: /s/ Xxxxxx X. Xxxxxxx By: /s/ Xxxxx Xxxx
--------------------------------- ------------------------------
Xxxxxx X. Xxxxxxx, FSA, FCIA Xxxxx Xxxx, FSA
Reinsurance Vice-President Director, Reinsurance Pricing
Date: Sept 11, 02 Date: Sept 11, 2002
[LOGO] Canada Life
20
EXHIBIT 1
REINSURANCE SPECIFICATIONS
The Ceding Company shall retain their maximum limits of retention in accordance
with Exhibit 2 and cede the remaining to the pool. The Reinsurer's share shall
be fifteen percent (15%) of the reinsured amount of the following plan up to the
Automatic Participation Limits as set out in Exhibit 3.
Plans Covered: Protection Plus Variable Universal Life
Issue Ages: Preferred No Nicotine Use/Standard No Nicotine Use: 0-85
Preferred Nicotine Use/Standard Nicotine Use: 18-85
Currency: US dollars
Residence:
Proposed lives insured must be residents of Canada or the Continental U.S.A.,
including Hawaii and Alaska.
Jumbo Limit:
For the purpose of this Agreement, a jumbo risk is one where the current
application and/or other information of the Ceding Company indicate that the
proposed insured's total insurance in force and applied for in all companies
exceeds the amounts shown in the table below, irrespective of any proposed
replacement currently considered.
----------------------------------
AGE MORTALITY
----------------------------------
STD-500%
----------------------------------
0-75 $30,000,000
----------------------------------
76-85 3,000,000
----------------------------------
Premium Taxes:
The Reinsurer shall not be responsible for reimbursement of premium taxes.
Minimum Face Amount: $100,000
[LOGO] Canada Life
EXHIBIT 2
THE CEDING COMPANY'S MAXIMUM LIMITS OF RETENTION
-------------------------------------------------
AGE MORTALITY
-------------------------------------------------
STD - 200% 201% - 300% 301% - 500%
-------------------------------------------------
0-75 $1,000,000 $1,000,000 $1,000,000
-------------------------------------------------
76 - 80 100,000 100,000 NIL
-------------------------------------------------
81 - 85 100,000 NIL NIL
-------------------------------------------------
86+ NIL NIL NIL
-------------------------------------------------
[LOGO] Canada Life
EXHIBIT 3
THE REINSURER'S AUTOMATIC PARTICIPATION LIMITS
Life
Listed by Age and Rating
LIFE:
------------------------------------------------
AGE MORTALITY
------------------------------------------------
STD - 200% 201% - 300% 301% - 500%
------------------------------------------------
0 - 75 $3,000,000 $3,000,000 $3,000,000
------------------------------------------------
76 - 80 300,000 300,000 NIL
------------------------------------------------
81 - 85 300,000 NIL NIL
------------------------------------------------
86+ NIL NIL NIL
------------------------------------------------
AVIATION:
------------------------------------------------
AGE MORTALITY
------------------------------------------------
STD-200% 201% - 300% 301% - 500%
------------------------------------------------
18-60 $3,000,000 *I.C. Nil
------------------------------------------------
Over 60 *I.C. Nil Nil
------------------------------------------------
* I.C.: Individual Consideration
[LOGO] Canada Life
EXHIBIT 4
THE REINSURER'S FACULTATIVE RATE CAPACITY
Life
Listed by Age and Rating
The Reinsurer's facultative shopped capacity (at automatic rates) is graded down
by issue age and rating table and is normally the lesser of $5 million or the
amounts per the table below. Additional capacity may be available on facultative
rates depending on the case.
The Reinsurer's facultative excess capacity is graded down by issue age and
rating table as per the table below. These amounts assume all reinsurers in the
pool keep their normal percentage participation.
LIFE:
--------------------------------------------
AGE MORTALITY
--------------------------------------------
STD-200% 225-300% 325%-500%
--------------------------------------------
0-70 $5,000,000 $5,000,000 $5,000,000
--------------------------------------------
71-80 5,000,000 3,750,000 250,000
--------------------------------------------
81-85 *3,750,000 250,000 Nil
--------------------------------------------
86-90 250,000 Nil Nil
--------------------------------------------
* Standard only (Facultative rate capacity for 125%-200% mortality is $500,000)
AVIATION:
-------------------------------------------
AGE MORTALITY
-------------------------------------------
STD-200% 225-300% Over 300%
-------------------------------------------
18-60 $5,000,000 *I.C. Nil
-------------------------------------------
Over 60 *I.C. Nil Nil
-------------------------------------------
* I.C.: Individual Consideration
If these limits are exceeded and the reinsurance rates are increased, the
Reinsurer and the Ceding Company shall negotiate these new terms at the time the
facultative offer is made to the Ceding Company by the Reinsurer.
[LOGO] Canada Life
EXHIBIT 5
AUTOMATIC BINDING LIMITS
(Maximum on any one Life under this Pool,
including the Ceding Company's retention)
-------------------------------------------------
AGE MORTALITY
-------------------------------------------------
STD - 200% 201% - 300% 301% - 500%
-------------------------------------------------
0 - 75 $20,000,000 $20,000,000 $20,000,000
-------------------------------------------------
76 - 80 2,000,000 2,000,000 NIL
-------------------------------------------------
81 - 85 2,000,000 NIL NIL
-------------------------------------------------
86+ NIL NIL NIL
-------------------------------------------------
EXCLUSIONS FROM AUTOMATIC PORTION OF AGREEMENT
Automatic reinsurance shall not be provided under this agreement with respect
to:
Proposed lives insured resident outside of Canada and the Continental U.S.A.,
including Hawaii and Alaska.
[LOGO] Canada Life
EXHIBIT 6
APPLICATION FOR REINSURANCE
(Attached)
[LOGO] Canada Life
APPLICATION FOR REINSURANCE
[LOGO] CANADA LIFE
Instructions: Forward part 1 to Reinsuring Company. Retain parts 2 and 3.
(Part 3 to be forwarded in case of cancellation only.)
[ ] Facultative [ ] Automatic [ ] Offer, please
(the Ceding Company)
-----------------------------------------------------------
hereby applies to CANADA LIFE ASSURANCE COMPANY
--------------------------------
------------------------------------(the Reinsuring Company) for reinsurance on
the life of
--------------------------------------------------------------------
Birth Date Birth Place Occupation
-------------- -------------- ----------------
Residence
----------------------------------------------------------------------
Plan of Principal Policy and Riders
--------------------------------------------
Age Sex
------- ----------
ACCIDENTAL DEATH
LIFE RIDERS DISABILITY WAIVER BENEFIT
---------------------------------------------------------------------------------------------
PRIOR INSURANCE IN THIS COMPANY
---------------------------------------------------------------------------------------------
OF WHICH WE RETAIN
---------------------------------------------------------------------------------------------
INSURANCE NOW APPLIED FOR
---------------------------------------------------------------------------------------------
OF WHICH WE PROPOSE TO RETAIN
---------------------------------------------------------------------------------------------
REINSURANCE APPLIED FOR
---------------------------------------------------------------------------------------------
RATING REINSURANCE BEING OFFERED ELSEWHERE
[ ] STANDARD [ ] YES
[ ] SUBSTANDARD WITH THE FOLLOWING RATING: [ ] NO
---------------------------------------------------------------------------------------------
CEDING COMPANY RETENTION AS EXPRESSED ABOVE IS CEDING COMPANY POLICY NUMBER
[ ] FULL
[ ] LIMITED BECAUSE OF: --------------------------------------------
CEDING COMPANY POLICY DATE
---------------------------------------------------------------------------------------------
REMARKS
Dated this day of year
----- ---------------- ------- -------------------------------------
The Ceding Company
By
-----------------------------------------
---------------------------------------------------------------------------------------------
REINSURANCE NOT REQUIRED: [ ] NOT PROCEEDED WITH [ ] REINSURANCE PLACED ELSEWHERE
[ ] POLICY NOT TAKEN [ ] OTHER
--------------------------
[ ] ISSUED WITHIN RETENTION
-----------------------------------
Dated this of year By
------------ ------- -------- -----------------------------------------
EXHIBIT 7
DEATH CLAIM FORM
(Attached)
[LOGO] Canada Life
REINSURANCE DEATH CLAIM [LOGO] CANADA LIFE
Please send original to Canada Life Assurance Company, 0000 Xxxxxx Xxxxxx,
Xxxxxx, Xxxxxxxxxxxx X0X 0X0.
Retain part 2 for your records.
Complete all sections to expedite processing.
-----------------------------------------------------------------------------------------------
FROM ADDRESS
-----------------------------------------------------------------------------------------------
INSURED NAME PLAN DATE OF BIRTH DATE OF DEATH
Month Day Year Month Day Year
-----------------------------------------------------------------------------------------------
CAUSE OF DEATH CONTESTABLE PLAN / TREATY RATING [ ] Smoker
[ ] Yes [ ] No [ ] Non Smoker
-----------------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------------------------------------------
LIST ALL POLICIES HELD FOR THE INSURED
-----------------------------------------------------------------------------------------------------------------------
CEDING FACE AMOUNT CEDING DATE OF LAST CANADA LIFE
COMPANY CANADA LIFE POLICY DATE ISSUED COMPANY REINSTATEMENT REINSURANCE LIABILITY
POLICY NUMBER NUMBER Month Day Year LIFE ADB RETENTION Month Day Year LIFE ADB
-----------------------------------------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------------------------------------------
We have made payment in full: [ ] Yes [ ] No If "Yes", please enclose copy of
check
We are awaiting your approval before making settlement: [ ] Yes [ ] NO
Canada Life N.A.R. Adjustment: [ ]Yes [ ] NO Change appears on (billing,
statement, etc)
-------------------------
Reason:
---------------------------------------------------------------------------------------------------
CANADA LIFE LIABILITY FOR ALL CLAIMS PLEASE SUBMIT THE FOLLOWING
N.A.R. LIFE (Net amount at risk) $ ENCLOSED: TO FOLLOW:
------------
ADB $ Claimant's Statement [ ] [ ]
------------
Interest at % $ Death Certificate [ ] [ ]
---------- ------------
Total $ FOR CONTESTABLE CLAIMS:
------------
From year Application Part I and II [ ] [ ]
---------------------- ------------
To year Underwriting Papers [ ] [ ]
---------------------- ------------
Days Investigation Reports [ ] [ ]
----------------------
---------------------------------------------------------------------------------------------------
REMARKS: (If there was a conversion please indicate original policy date.)
--------------------------------------------------------------------------------
DATE COMPLETED BY (Please print)
--------------------------------------------------------------------------------
TITLE (Please print) TELEPHONE NUMBER / EXTENSION
--------------------------------------------------------------------------------
EXHIBIT 8
SELF ADMINISTRATION REPORTING REQUIREMENTS
PERIOD REPORTING
AUTOMATIC SUBMISSIONS
If mutually agreed upon, automatic reinsurance amounts currently in force
and applied for of up to $1,000,000 per life to age 80, or $500,000 for
lives over 80, may be submitted in summary form using the format described
in Exhibit 9, Bulk Reporting Form. In all other cases, the reinsurance
information is to be reported on monthly statements produced by the Ceding
Company's administration system and must include all pertinent data
relating to the reinsured policies. Regardless of the reporting method, all
issues, renewals and adjustments pertaining to the reporting month should
be included, and the reporting should be accompanied by a remittance
covering the transactions for the period.
FACULTATIVE SUBMISSIONS
All Facultative policies are to be reported on monthly statements produced
by the Ceding Company's administration system and must include all
pertinent data relating to the reinsured policies. All issues, renewals and
adjustments pertaining to the reporting month should be included, and the
reporting should be accompanied by a remittance covering the transactions
for the period.
INFORCE LISTING
An inforce listing, on electronic medium, is required for all
self-administered business. This listing should include all policies in
force at the end of each quarter and should accompany the monthly/quarterly
billing statements. The listing should include the following fields:
1. Treaty Name
2. Insured Name
3. Policy Number
4. Date of Birth
5. Sex
6. Issue Date
7. Plan Name
8. Pool Name
9. Reinsurance Type
10. Facultative/Automatic indicator
11. Underwriting Class
12. Smoker Status
13. Mortality Rating
14. Residence of Issue
15. Currency
16. Face Xxxxxx
00. Retained Amount
18. Life, Disability and ADB Net Amount at Risk
19. Annual Reinsurance Premium - Basic, Benefit (Waiver & ADB separate)
and Flat Extra
20. Annual Reinsurance Allowances - Basic Benefit (Waiver & ADB separate)
and Flat Extra
ANNUAL CONFIRMATION OF RESERVES
An annual confirmation of the reserves held is required in order to complete the
necessary year-end financial statements. The following information is required
for each block of business reported on a self-administered basis:
1. Reinsurance Type
2. Mortality Table
3. Interest Rate
4. Age Nearest/Last
5. Reserve Method
6. Life, Disability and ADB Policies Inforce
7. Life, Basic, Disability and ADB Reserve
8. Life, Exhibit 8 Miscellaneous Reserve
[LOGO] Canada Life
EXHIBIT 9
BULK REPORTING FORM
(Attached)
[LOGO] Canada Life
THE CANADA LIFE ASSURANCE COMPANY
BULK REPORTING FORM
To: The Canada Life Assurance Company
0000 Xxxxxx xxxxxx
Xxxxxx, Xxxxxxxxxxx
X0X 0X0
Attn: Life Reinsurance Administration
From:
----------------------------------------
----------------------------------------
----------------------------------------
----------------------------------------
Reporting Period From: To:
-------------------- --------------------
DD/MM/YY DD/MM/YY
Reinsurance Type:
-------------------------------
DISABILITY
Volumes LIFE WAIVER ADB
-------------------------------------------------------------------------------------------
No. of Net Amount No. of Net Amount No. of Net Amount
Policies At Risk Policies At Risk Policies At Risk
-------------------------------------------------------------------------------------------
Beginning Inforce
-------------------------------------------------------------------------------------------
Issues
-------------------------------------------------------------------------------------------
Reinstatements
-------------------------------------------------------------------------------------------
Lapses
-------------------------------------------------------------------------------------------
Death Claims
-------------------------------------------------------------------------------------------
Surrender
-------------------------------------------------------------------------------------------
Decreases/Increases xxxxxx xxxxxx xxxxxx
-------------------------------------------------------------------------------------------
Conversions
-------------------------------------------------------------------------------------------
Ending Inforce
-------------------------------------------------------------------------------------------
DISABILITY
LIFE WAIVER ADB TOTAL
------------ ------------ ------------ ------------
PREMIUMS
First Year
------------ ------------ ------------ ------------
Renewal
------------ ------------ ------------ ------------
TOTAL
============ ============ ============ ============
ALLOWANCES
First Year
------------ ------------ ------------ ------------
Renewal
------------ ------------ ------------ ------------
TOTAL
============ ============ ============ ============
OTHER REIMBURSEMENTS
Premium Tax - Current Year
------------ ------------ ------------ ------------
Prior Year
------------ ------------ ------------ ------------
Interest
------------ ------------ ------------ ------------
Administration Fees
------------ ------------ ------------ ------------
Experience Refund
------------ ------------ ------------ ------------
TOTAL
============ ============ ============ ============
Net Premiums Due:
============ ============ ============ ============
EXHIBIT 10
REINSURANCE RATES
Life Insurance Rates:
Reinsurance premiums shall be on an age nearest basis as per the attached set of
Protplus Modified rates multiplied by the following percentages.
------------------------------------------------
UNDERWRITING CLASS ISSUE AGES
--------------------
0-40 41-60 61-85
------------------------------------------------
Preferred No Nicotine Use 114% 99% 101%
------------------------------------------------
Standard No Nicotine Use 120% 104% 105%
------------------------------------------------
Preferred Nicotine Use 120% 101% 109%
------------------------------------------------
Standard Nicotine Use 120% 101% 109%
------------------------------------------------
Attained Age 100+:
Reinsurance premiums continue beyond age 100. The reinsurance premium for
attained age 101 and higher shall be the reinsurance premium appropriate for age
100 from the Life Insurance Rates as set out above.
Underwriting Classification
For the new underwriting classification, use the following underwriting
classification on the attached rates.
--------------------------------------------------------
NEW UNDERWRITING UNDERWRITING CLASSIFICATION
CLASSIFICATION ON ATTACHED RATES
--------------------------------------------------------
Preferred No Nicotine Use Preferred NonSmoker
--------------------------------------------------------
Standard No Nicotine Use Standard NonSmoker
--------------------------------------------------------
Preferred Nicotine Use Preferred Smoker
--------------------------------------------------------
Standard Nicotine Use Standard Smoker
--------------------------------------------------------
[LOGO] Canada Life
MALE STANDARD NONSMOKER
Age\Dur 1 2 3 4 5 6 7 8
------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.002487 0.000601 0.000413 0.000335 0.000291 0.000281 0.000258 0.000251
1 0.000595 0.000394 0.000331 0.000281 0.000270 0.000230 0.000220 0.000220
2 0.000350 0.000316 0.000278 0.000263 0.000230 0.000220 0.000210 0.000213
3 0.000315 0.000267 0.000250 0.000230 0.000220 0.000200 0.000209 0.000210
4 0.000266 0.000250 0.000230 0.000220 0.000200 0.000205 0.000206 0.000214
5 0.000250 0.000226 0.000220 0.000200 0.000199 0.000203 0.000210 0.000231
6 0.000227 0.000217 0.000200 0.000195 0.000198 0.000207 0.000228 0.000299
7 0.000190 0.000200 0.000195 0.000194 0.000202 0.000225 0.000295 0.000376
8 0.000180 0.000191 0.000196 0.000200 0.000221 0.000294 0.000374 0.000494
9 0.000190 0.000190 0.000201 0.000218 0.000288 0.000371 0.000490 0.000606
10 0.000180 0.000194 0.000218 0.000282 0.000362 0.000485 0.000599 0.000718
11 0.000194 0.000209 0.000281 0.000352 0.000468 0.000586 0.000700 0.000803
12 0.000208 0.000268 0.000348 0.000453 0.000562 0.000680 0.000778 0.000856
13 0.000268 0.000334 0.000448 O.000545 0.000654 0.000757 0.000829 0.000859
14 0.000332 0.000428 0.000538 0.000633 0.000727 0.000807 0.000834 0.000727
15 0.000425 0.000515 0.000620 0.000692 0.000757 0.000806 0.000710 0.000684
16 0.000515 0.000597 0.000663 0.000706 0.000749 0.000685 0.000670 0.000653
17 0.000592 0.000634 0.000680 0.000702 0.000652 0.000644 0.000632 0.000619
18 0.000609 0.000638 0.000700 0.000697 0.000706 0.000678 0.000670 0.000664
19 0.000582 0.000618 0.000648 0.000651 0.000649 0.000621 0.000615 0.000608
20 0.000542 0.000587 0.000604 0.000602 0.000592 0.000554 0.000560 0.000555
21 0.000476 0.000535 0.000565 0.000568 0.000561 0.000534 0.000561 0.000574
22 0.000416 0.000474 0.000507 0.000507 0.000499 0.000488 0.000502 0.000518
23 0.000370 0.000417 0.000450 0.000450 0.000451 0.000441 0.000456 0.000471
24 0.000321 0.000362 0.000392 0.000404 0.000405 0.000404 0.000413 0.000435
25 0.000286 0.000319 0.000354 0.000366 0.000379 0.000378 0.000394 0.000423
26 0.000264 0.000298 0.000328 0.000345 0.000363 0.000374 0.000397 0.000427
27 0.000258 0.000282 0.000313 0.000335 0.000360 0.000381 0.000410 0.000447
28 0.000256 0.000282 0.000308 0.000337 0.000366 0.000394 0.000429 0.000483
29 0.000264 0.000286 0.000314 0.000348 0.000384 0.000418 0.000471 0.000526
30 0.000269 0.000296 0.000329 0.000360 0.000402 0.000453 0.000502 0.000578
31 0.000272 0.000307 0.000337 0.000377 0.000426 0.000475 0.000543 0.000618
32 0.000274 0.000311 0.000350 0.000396 0.000444 0.000507 0.000582 0.000668
33 0.000269 0.000313 0.000360 0.000410 0.000474 0.000539 0.000625 0.000717
34 0.000257 0.000312 0.000363 0.000426 0.000494 0.000568 0.000658 0.000758
35 0.000259 0.000318 0.000383 0.000455 0.000531 0.000613 0.000710 0.000825
36 0.000261 0.000337 0.000412 0.000496 0.000584 0.000674 0.000789 0.000914
37 0.000276 0.000359 0.000448 0.000545 0.000645 0.000748 0.000873 0.001010
38 0.000296 0.000392 0.000497 0.000604 0.000716 0.000829 0.000963 0.001122
39 0.000322 0.000437 0.000552 0.000672 0.000793 0.000917 0.001069 0.001252
40 0.000354 0.000485 0.000616 0.000751 0.000876 0.001014 0.001191 0.001392
41 0.000386 0.000535 0.000686 0.000830 0.000972 0.001128 0.001317 0.001537
42 0.000420 0.000589 0.000752 0.000914 0.001078 0.001247 0.001455 0.001697
43 0.000454 0.000638 0.000821 0.001004 0.001185 0.001372 0.001597 0.001860
44 0.000487 0.000690 0.000896 0.001099 0.001293 0.001498 0.001743 0.002025
45 0.000525 0.000750 0.000976 0.001201 0.001414 0.001637 0.001903 0.002215
46 0.000567 0.000810 0.001059 0.001313 0.001553 0.001796 0.002094 0.002430
47 0.000610 0.000882 0.001158 0.001440 0.001717 0.001992 0.002311 0.002685
48 0.000652 0.000961 0.001272 0.001585 0.001915 0.002224 0.002581 0.003005
49 0.000699 0.001048 0.001397 0.001760 0.002133 0.002490 0.002908 0.003384
50 0.000748 0.001146 0.001542 0.001944 0.002365 0.002785 0.003264 0.003800
51 0.000799 0.001255 0.001697 0.002142 0.002614 0.003094 0.003633 0.004223
52 0.000859 0.001370 0.001860 0.002355 0.002868 0.003398 0.003988 0.004653
53 0.000921 0.001490 0.002035 0.002568 0.003122 0.003679 0.004332 0.005055
54 0.000993 0.001621 0.002214 0.002788 0.003373 0.003966 0.004657 0.005438
55 0.001074 0.001767 0.002415 0.003023 0.003650 0.004265 0.004988 0.005825
56 0.001170 0.001932 0.002637 0.003302 0.003952 0.004587 0.005356 0.006259
57 0.001288 0.002126 0.002908 0.003622 0.004290 0.004966 0.005795 0.006763
58 0.001425 0.002367 0.003231 0.003997 0.004704 0.005441 0.006334 0.007359
59 0.001595 0.002650 0.003602 0.004434 0.005211 0.006014 0.006969 0.008047
60 0.001788 0.002963 0.004015 0.004925 0.005799 0.006660 0.007683 0.008825
61 0.002010 0.003300 0.004456 0.005466 0.006429 0.007357 0.008457 0.009679
62 0.002261 0.003651 0.004911 0.006040 0.007074 0.008087 0.009273 0.010603
63 0.002543 0.004058 0.005418 0.006640 0.007732 0.008814 0.010094 0.011551
64 0.002862 0.004536 0.005992 0.007270 0.008414 0.009565 0.010942 0.012528
65 0.003217 0.005042 0.006603 0.007919 0.009141 0.010377 0.011866 0.013639
66 0.003602 0.005545 0.007199 0.008584 0.009923 0.011283 0.012954 0.014965
67 0.004031 0.006002 0.007730 0.009262 0.010774 0.012339 0.014261 0.016602
68 0.004497 0.006423 0.008218 0.009941 0.011710 0.013575 0.015878 0.018619
69 0.005006 0.006847 0.008698 0.010641 0.012731 0.015012 0.017784 0.021060
70 0.005557 0.007256 0.009176 0.011347 0.013835 0.016601 0.019983 0.023897
71 0.006105 0.007976 0.010078 0.012458 0.015156 0.018180 0.021883 0.026160
72 0.006711 0.008759 0.011065 0.013653 0.016603 0.019913 0.023962 0.028631
73 0.007361 0.009605 0.012111 0.014935 0.018159 0.021773 0.026183 0.031292
74 0.007942 0.010342 0.013032 0.016069 0.019534 0.023412 0.028158 0.033646
75 0.008398 0.010929 0.013772 0.016979 0.020630 0.024725 0.029734 0.035511
76 0.008775 0.011419 0.014386 0.017728 0.021540 0.025814 0.031026 0.037042
77 0.009160 0.011917 0.015007 0.018494 0.022468 0.026910 0.032336 0.038592
78 0.009755 0.012686 0.015976 0.019685 0.023901 0.028619 0.034377 0.041014
79 0.010630 0.013824 0.017407 0.021436 0.026020 0.031147 0.037399 0.044600
80 0.011533 0.014996 0.018872 0.023234 0.028193 0.033735 0.040490 0.048270
81 0.012714 0.016525 0.020764 0.025655 0.031150 0.036841 0.044716 0.053190
82 0.014010 0.018182 0.022927 0.028347 0.034018 0.040686 0.049274 0.057176
83 0.015415 0.020076 0.025333 0.030956 0.037568 0.044833 0.052967 0.060466
84 0.017021 0.022182 0.027665 0.034187 0.041399 0.048193 0.056015 0.062628
85 0.018806 0.024225 0.030553 0.037672 0.044500 0.050967 0.058018 0.064805
Age\Dur 9 10 11 12 13 14 15 Ult.
------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000236 0.000225 0.000225 0.000231 0.000254 0.000331 0.000422 0.000558
1 0.000218 0.000221 0.000227 0.000248 0.000324 0.000412 0.000544 0.000675
2 0.000215 0.000223 0.000244 0.000318 0.000404 0.000533 0.000659 0.000791
3 0.000218 0.000241 0.000313 0.000397 0.000523 0.000647 0.000775 0.000891
4 0.000235 0.000310 0.000392 0.000515 0.000636 0.000761 0.000874 0.000966
5 0.000304 0.000388 0.000510 0.000628 0.000750 0.000860 0.000949 0.000991
6 0.000381 0.000506 0.000622 0.000742 0.000849 0.000936 0.000976 0.000824
7 0.000497 0.000619 0.000736 0.000842 0.000926 0.000964 0.000819 0.000790
8 0.000612 0.000736 0.000839 0.000921 0.000957 0.000817 0.000787 0.000768
9 0.000728 0.000838 0.000919 0.000952 0.000818 0.000786 0.000767 0.000753
10 0.000826 0.000916 0.000948 0.000820 0.000788 0.000767 0.000752 0.000725
11 0.000886 0.000925 0.000804 0.000770 0.000746 0.000729 0.000702 0.000682
12 0.000890 0.000786 0.000750 0.000725 0.000706 0.000677 0.000655 0.000624
13 0.000753 0.000731 0.000703 0.000682 0.000651 0.000627 0.000595 0.000602
14 0.000704 0.000690 0.000667 0.000633 0.000608 0.000575 0.000580 0.000582
15 0.000669 0.000652 0.000623 0.000595 0.000560 0.000562 0.000561 0.000558
16 0.000635 0.000618 0.000584 0.000553 0.000553 0.000551 0.000545 0.000544
17 0.000601 0.000585 0.000553 0.000552 0.000548 0.000541 0.000539 0.000525
18 0.000657 0.000653 0.000607 0.000606 0.000596 0.000590 0.000576 0.000554
19 0.000610 0.000609 0.000575 0.000578 0.000578 0.000578 0.000565 0.000554
20 0.000561 0.000574 0.000540 0.000552 0.000553 0.000558 0.000559 0.000560
21 0.000605 0.000635 0.000605 0.000599 0.000592 0.000588 0.000592 0.000573
22 0.000545 0.000584 0.000572 0.000565 0.000572 0.000587 0.000593 0.000597
23 0.000500 0.000545 0.000545 0.000547 0.000574 0.000593 0.000612 0.000631
24 0.000470 0.000514 0.000533 0.000547 0.000578 0.000617 0.000643 0.000673
25 0.000458 0.000508 0.000541 0.000563 0.000614 0.000659 0.000693 0.000732
26 0.000469 0.000531 0.000564 0.000611 0.000659 0.000716 0.000761 0.000805
27 0.000503 0.000565 0.000613 0.000662 0.000721 0.000785 0.000840 0.000887
28 0.000540 0.000619 0.000665 0.000721 0.000784 0.000858 0.000921 0.000979
29 0.000600 0.000690 0.000742 0.000797 0.000864 0.000941 0.001011 0.001078
30 0.000660 0.000760 0.000815 0.000877 0.000949 0.001031 0.001105 0.001197
31 0.000717 0.000824 0.000887 0.000957 0.001036 0.001124 0.001217 0.001331
32 0.000772 0.000891 0.000963 0.001046 0.001131 0.001238 0.001354 0.001487
33 0.000829 0.000960 0.001045 0.001134 0.001246 0.001379 0.001514 0.001669
34 0.000877 0.001013 0.001111 0.001224 0.001368 0.001527 0.001688 0.001885
35 0.000955 0.001095 0.001213 0.001353 0.001519 0.001706 0.001894 0.002128
36 0.001051 0.001211 0.001350 0.001507 0.001697 0.001913 0.002128 0.002379
37 0.001167 0.001350 0.001503 0.001678 0.001891 0.002134 0.002381 0.002642
38 0.001303 0.001506 0.001670 0.001862 0.002093 0.002366 0.002664 0.002931
39 0.001454 0.001675 0.001854 0.002062 0.002315 0.002629 0.002966 0.003263
40 0.001615 0.001868 0.002057 0.002279 0.002567 0.002906 0.003300 0.003671
41 0.001791 0.002070 0.002279 0.002535 0.002841 0.003224 0.003683 0.004153
42 0.001977 0.002288 0.002535 0.002818 0.003160 0.003594 0.004113 0.004691
43 0.002158 0.002529 0.002807 0.003138 0.003536 0.004015 0.004593 0.005263
44 0.002354 0.002774 0.003110 0.003505 0.003960 0.004493 0.005116 0.005901
45 0.002564 0.003048 0.003453 0.003911 0.004433 0.005020 0.005726 0.006566
46 0.002818 0.003363 0.003829 0.004356 0.004949 0.005628 0.006400 0.007286
47 0.003148 0.003731 0.004251 0.004838 0.005532 0.006296 0.007146 0.008092
48 0.003537 0.004154 0.004710 0.005382 0.006160 0.007016 0.007979 0.009032
49 0.003968 0.004624 0.005238 0.005969 0.006829 0.007805 0.008904 0.010104
50 0.004417 0.005151 0.005801 0.006595 0.007556 0.008662 0.009921 0.011278
51 0.004903 0.005704 0.006416 0.007310 0.008403 0.009695 0.011157 0.012752
52 0.005392 0.006269 0.007089 0.008124 0.009407 0.010921 0.012658 0.014567
53 0.005873 0.006838 0.007782 0.008968 0.010415 0.012123 0.014117 0.016322
54 0.006352 0.007430 0.008537 0.009922 0.011584 0.013551 0.015865 0.018397
55 0.006855 0.008055 0.009323 0.010902 0.012778 0.014980 0.017597 0.020390
56 0.007383 0.008720 0.010174 0.011972 0.014083 0.016559 0.019527 0.022770
57 0.007944 0.009448 0.011078 0.013075 0.015415 0.018160 0.021443 0.025164
58 0.008584 0.010256 0.012057 0.014266 0.016873 0.019931 0.023603 0.027725
59 0.009347 0.011152 0.013154 0.015626 0.018586 0.022111 0.026295 0.030997
60 0.010223 0.012147 0.014326 0.017029 0.020337 0.024292 0.028978 0.034154
61 0.011194 0.013251 0.015655 0.018678 0.022424 0.026962 0.032225 0.038174
62 0.012257 0.014477 0.017100 0.020411 0.024581 0.029576 0.035410 0.042085
63 0.013362 0.015788 0.018698 0.022416 0.027075 0.032724 0.039308 0.047020
64 0.014545 0.017198 0.020446 0.024569 0.029809 0.036167 0.043570 0.052385
65 0.015895 0.018828 0.022398 0.027000 0.032852 0.039966 0.048239 0.058087
66 0.017523 0.020736 0.024700 0.029809 0.036286 0.044153 0.053357 0.064037
67 0.019500 0.023074 0.027472 0.033091 0.040176 0.048802 0.058961 0.070565
68 0.021963 0.025954 0.030821 0.036928 0.044601 0.053945 0.065057 0.077639
69 0.024926 0.029391 0.034746 0.041346 0.049560 0.059565 0.071664 0.085730
70 0.028363 0.033345 0.039248 0.046319 0.055029 0.065684 0.078798 0.094724
71 0.031037 0.036495 0.043053 0.050894 0.060570 0.072406 0.086983 0.103445
72 0.033975 0.039938 0.047318 0.056172 0.067096 0.080482 0.096690 0.114242
73 0.037124 0.043614 0.051917 0.061876 0.074178 0.089248 0.106212 0.125888
74 0.039893 0.046859 0.055887 0.066730 0.080123 0.096314 0.113909 0.135320
75 0.042095 0.049423 0.059069 0.070651 0.084958 0.101419 0.120207 0.143109
76 0.043892 0.051518 0.061546 0.073586 0.088345 0.104951 0.124466 0.148226
77 0.045713 0.053631 0.064049 0.076453 0.091748 0.108527 0.128756 0.153376
78 0.048560 0.056952 0.067904 0.081021 0.096908 0.114261 0.135651 0.161543
79 0.052789 0.061809 0.073664 0.087884 0.104085 0.122869 0.145894 0.173928
80 0.057037 0.066756 0.079551 0.094858 0.111395 0.131523 0.156343 0.186544
81 0.061311 0.070598 0.082395 0.098154 0.117326 0.141607 0.167684 0.205199
82 0.064840 0.073122 0.085258 0.103380 0.126321 0.151879 0.184452 0.225718
83 0.067158 0.075663 0.089798 0.111307 0.135484 0.167067 0.202897 0.248290
84 0.069492 0.079691 0.096683 0.119381 0.149033 0.183773 0.223187 0.273119
85 0.073192 0.085802 0.103695 0.131319 0.163936 0.202151 0.245506 0.300431
MALE PREFERRED NONSMOKER
Age\Dur 1 2 3 4 5 6 7 8
------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.002487 0.000601 0.000413 0.000335 0.000291 0.000281 0.000258 0.000251
1 0.000595 0.000394 0.000331 0.000281 0.000270 0.000230 0.000220 0.000220
2 0.000350 0.000316 0.000278 0.000263 0.000230 0.000220 0.000210 0.000213
3 0.000315 0.000267 0.000250 0.000230 0.000220 0.000200 0.000209 0.000210
4 0.000266 0.000250 0.000230 0.000220 0.000200 0.000205 0.000206 0.000214
5 0.000250 0.000226 0.000220 0.000200 0.000199 0.000203 0.000210 0.000231
6 0.000227 0.000217 0.000200 0.000195 0.000198 0.000207 0.000228 0.000299
7 0.000190 0.000200 0.000195 0.000194 0.000202 0.000225 0.000295 0.000376
8 0.000180 0.000191 0.000196 0.000200 0.000221 0.000294 0.000374 0.000494
9 0.000190 0.000190 0.000201 0.000218 0.000288 0.000371 0.000490 0.000606
10 0.000180 0.000194 0.000218 0.000282 0.000362 0.000485 0.000599 0.000718
11 0.000194 0.000209 0.000281 0.000352 0.000468 0.000586 0.000700 0.000803
12 0.000208 0.000268 0.000348 0.000453 0.000562 0.000680 0.000778 0.000856
13 0.000268 0.000334 0.000448 0.000545 0.000654 0.000757 0.000829 0.000859
14 0.000332 0.000428 0.000538 0.000633 0.000727 0.000807 0.000834 0.000727
15 0.000425 0.000515 0.000620 0.000692 0.000757 0.000806 0.000710 0.000684
16 0.000515 0.000597 0.000663 0.000706 0.000749 0.000685 0.000670 0.000653
17 0.000592 0.000634 0.000680 0.000702 0.000652 0.000644 0.000632 0.000619
18 0.000609 0.000638 0.000700 0.000518 0.000534 0.000527 0.000507 0.000489
19 0.000582 0.000618 0.000490 0.000484 0.000491 0.000482 0.000465 0.000448
20 0.000542 0.000422 0.000456 0.000448 0.000448 0.000431 0.000423 0.000409
21 0.000349 0.000385 0.000427 0.000423 0.000424 0.000415 0.000424 0.000423
22 0.000305 0.000340 0.000383 0.000376 0.000378 0.000380 0.000379 0.000381
23 0.000271 0.000300 0.000340 0.000334 0.000341 0.000343 0.000345 0.000347
24 0.000235 0.000260 0.000297 0.000300 0.000307 0.000314 0.000312 0.000320
25 0.000209 0.000229 0.000268 0.000272 0.000287 0.000294 0.000298 0.000311
26 0.000194 0.000214 0.000248 0.000257 0.000274 0.000291 0.000300 0.000314
27 0.000189 0.000203 0.000237 0.000249 0.000272 0.000296 0.000310 0.000329
28 0.000188 0.000203 0.000233 0.000250 0.000277 0.000306 0.000325 0.000356
29 0.000194 0.000206 0.000238 0.000259 0.000290 0.000325 0.000356 0.000388
30 0.000197 0.000213 0.000249 0.000268 0.000304 0.000351 0.000379 0.000425
31 0.000199 0.000221 0.000255 0.000281 0.000322 0.000369 0.000411 0.000455
32 0.000201 0.000224 0.000264 0.000294 0.000336 0.000393 0.000440 0.000492
33 0.000197 0.000225 0.000273 0.000305 0.000358 0.000419 0.000472 0.000528
34 0.000188 0.000224 0.000274 0.000316 0.000374 0.000441 0.000497 0.000558
35 0.000190 0.000229 0.000289 0.000339 0.000401 0.000476 0.000537 0.000607
36 0.000191 0.000242 0.000311 0.000368 0.000441 0.000524 0.000597 0.000673
37 0.000202 0.000258 0.000339 0.000405 0.000487 0.000581 0.000659 0.000743
38 0.000217 0.000282 0.000376 0.000449 0.000542 0.000644 0.000728 0.000827
39 0.000236 0.000314 0.000418 0.000500 0.000600 0.000712 0.000809 0.000922
40 0.000260 0.000349 0.000466 0.000558 0.000663 0.000788 0.000900 0.001025
41 0.000283 0.000385 0.000519 0.000617 0.000735 0.000877 0.000995 0.001132
42 0.000308 0.000424 0.000568 0.000679 0.000815 0.000969 0.001100 0.001250
43 0.000333 0.000458 0.000621 0.000747 0.000896 0.001065 0.001207 0.001370
44 0.000357 0.000496 0.000678 0.000817 0.000978 0.001164 0.001318 0.001491
45 0.000385 0.000539 0.000738 0.000893 0.001069 0.001272 0.001439 0.001631
46 0.000416 0.000583 0.000801 0.000976 0.001175 0.001395 0.001583 0.001789
47 0.000447 0.000634 0.000876 0.001070 0.001298 0.001547 0.001747 0.001977
48 0.000478 0.000691 0.000961 0.001179 0.001449 0.001727 0.001951 0.002213
49 0.000513 0.000753 0.001056 0.001308 0.001613 0.001934 0.002198 0.002491
50 0.000548 0.000824 0.001166 0.001445 0.001789 0.002163 0.002468 0.002798
51 0.000586 0.000902 0.001283 0.001592 0.001977 0.002403 0.002747 0.003109
52 0.000630 0.000985 0.001407 0.001751 0.002169 0.002639 0.003015 0.003426
53 0.000676 0.001071 0.001539 0.001909 0.002361 0.002858 0.003275 0.003722
54 0.000728 0.001165 0.001675 0.002073 0.002551 0.003080 0.003521 0.004004
55 0.000787 0.001270 0.001826 0.002247 0.002760 0.003313 0.003771 0.004289
56 0.000858 0.001389 0.001994 0.002454 0.002989 0.003563 0.004049 0.004609
57 0.000944 0.001528 0.002199 0.002692 0.003244 0.003857 0.004381 0.004980
58 0.001045 0.001702 0.002444 0.002971 0.003558 0.004226 0.004789 0.005419
59 0.001169 0.001905 0.002725 0.003296 0.003941 0.004671 0.005268 0.005925
60 0.001311 0.002130 0.003036 0.003661 0.004385 0.005173 0.005808 0.006498
61 0.001474 0.002372 0.003370 0.004063 0.004862 0.005714 0.006393 0.007127
62 0.001658 0.002625 0.003715 0.004490 0.005349 0.006281 0.007010 0.007808
63 0.001864 0.002918 0.004098 0.004936 0.005847 0.006846 0.007631 0.008506
64 0.002098 0.003261 0.004532 0.005404 0.006363 0.007429 0.008272 0.009225
65 0.002358 0.003625 0.004994 0.005886 0.006912 0.008061 0.008970 0.010043
66 0.002640 0.003987 0.005444 0.006381 0.007504 0.008764 0.009793 0.011019
67 0.002954 0.004315 0.005846 0.006885 0.008148 0.009584 0.010781 0.012225
68 0.003296 0.004618 0.006215 0.007390 0.008856 0.010543 0.012004 0.013710
69 0.003670 0.004923 0.006579 0.007910 0.009627 0.011660 0.013445 0.015507
70 0.004073 0.005217 0.006940 0.008435 0.010462 0.012894 0.015107 0.017596
71 0.004476 0.005734 0.007622 0.009261 0.011462 0.014121 0.016543 0.019264
72 0.004919 0.006297 0.008369 0.010148 0.012556 0.015466 0.018115 0.021083
73 0.005395 0.006905 0.009159 0.011101 0.013733 0.016911 0.019795 0.023042
74 0.005822 0.007435 0.009856 0.011944 0.014773 0.018184 0.021287 0.024776
75 0.006156 0.007858 0.010416 0.012621 0.015601 0.019204 0.022479 0.026149
76 0.006432 0.008209 0.010880 0.013177 0.016289 0.020050 0.023456 0.027277
77 0.006715 0.008567 0.011350 0.013747 0.016991 0.020902 0.024446 0.028418
78 0.007150 0.009120 0.012083 0.014633 0.018074 0.022229 0.025989 0.030201
79 0.007792 0.009939 0.013165 0.015934 0.019677 0.024192 0.028274 0.032842
80 0.008454 0.010781 0.014273 0.017271 0.021320 0.026202 0.030610 0.035544
81 0.009320 0.011880 0.015704 0.019071 0.023557 0.028285 0.033401 0.038747
82 0.010270 0.013071 0.017341 0.021072 0.025429 0.030864 0.036411 0.041342
83 0.011300 0.014433 0.019160 0.022747 0.027747 0.033645 0.038849 0.043484
84 0.012477 0.015947 0.020683 0.024821 0.030248 0.035898 0.040862 0.044891
85 0.013786 0.017215 0.022568 0.027057 0.032274 0.037758 0.042184 0.046308
Age\Dur 9 10 11 12 13 14 15 Ult.
------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000236 0.000225 0.000225 0.000231 0.000254 0.000331 0.000422 0.000558
1 0.000218 0.000221 0.000227 0.000248 0.000324 0.000412 0.000544 0.000675
2 0.000215 0.000223 0.000244 0.000318 0.000404 0.000533 0.000659 0.000791
3 0.000218 0.000241 0.000313 0.000397 0.000523 0.000647 0.000775 0.000891
4 0.000235 0.000310 0.000392 0.000515 0.000636 0.000761 0.000874 0.000966
5 0.000304 0.000388 0.000510 0.000628 0.000750 0.000860 0.000949 0.000991
6 0.000381 0.000506 0.000622 0.000742 0.000849 0.000936 0.000976 0.000824
7 0.000497 0.000619 0.000736 0.000842 0.000926 0.000964 0.000819 0.000790
8 0.000612 0.000736 0.000839 0.000921 0.000957 0.000817 0.000787 0.000768
9 0.000728 0.000838 0.000919 0.000952 0.000818 0.000786 0.000767 0.000753
10 0.000826 0.000916 0.000948 0.000820 0.000788 0.000767 0.000752 0.000725
11 0.000886 0.000925 0.000804 0.000770 0.000746 0.000729 0.000702 0.000682
12 0.000890 0.000786 0.000750 0.000725 0.000706 0.000677 0.000655 0.000624
13 0.000753 0.000731 0.000703 0.000682 0.000651 0.000627 0.000595 0.000602
14 0.000704 0.000690 0.000667 0.000633 0.000608 0.000575 0.000580 0.000582
15 0.000669 0.000652 0.000623 0.000595 0.000560 0.000562 0.000561 0.000558
16 0.000635 0.000618 0.000584 0.000553 0.000553 0.000551 0.000545 0.000544
17 0.000601 0.000585 0.000553 0.000552 0.000548 0.000541 0.000539 0.000525
18 0.000472 0.000457 0.000437 0.000449 0.000455 0.000464 0.000467 0.000463
19 0.000438 0.000427 0.000414 0.000429 0.000441 0.000455 0.000458 0.000463
20 0.000402 0.000402 0.000389 0.000409 0.000422 0.000439 0.000453 0.000468
21 0.000434 0.000444 0.000436 0.000445 0.000452 0.000462 0.000480 0.000479
22 0.000391 0.000409 0.000412 0.000419 0.000437 0.000461 0.000480 0.000498
23 0.000359 0.000381 0.000392 0.000406 0.000439 0.000466 0.000496 0.000527
24 0.000338 0.000360 0.000384 0.000406 0.000441 0.000485 0.000521 0.000562
25 0.000329 0.000355 0.000390 0.000418 0.000468 0.000518 0.000561 0.000611
26 0.000336 0.000372 0.000406 0.000453 0.000503 0.000563 0.000617 0.000672
27 0.000361 0.000396 0.000441 0.000491 0.000550 0.000617 0.000681 0.000740
28 0.000388 0.000434 0.000479 0.000535 0.000598 0.000674 0.000746 0.000818
29 0.000431 0.000483 0.000534 0.000590 0.000660 0.000740 0.000819 0.000900
30 0.000474 0.000532 0.000587 0.000650 0.000724 0.000810 0.000896 0.001000
31 0.000515 0.000576 0.000638 0.000709 0.000791 0.000884 0.000986 0.001112
32 0.000555 0.000624 0.000694 0.000775 0.000864 0.000973 0.001097 0.001242
33 0.000595 0.000672 0.000752 0.000841 0.000951 0.001084 0.001227 0.001394
34 0.000630 0.000709 0.000800 0.000907 0.001045 0.001201 0.001368 0.001574
35 0.000686 0.000767 0.000874 0.001003 0.001160 0.001341 0.001535 0.001777
36 0.000754 0.000848 0.000973 0.001117 0.001296 0.001504 0.001724 0.001987
37 0.000837 0.000945 0.001083 0.001244 0.001443 0.001678 0.001929 0.002207
38 0.000935 0.001054 0.001202 0.001381 0.001599 0.001860 0.002158 0.002448
39 0.001043 0.001173 0.001336 0.001529 0.001768 0.002067 0.002403 0.002725
40 0.001159 0.001307 0.001482 0.001690 0.001960 0.002285 0.002674 0.003066
41 0.001285 0.001449 0.001641 0.001880 0.002169 0.002535 0.002985 0.003468
42 0.001419 0.001601 0.001826 0.002090 0.002413 0.002826 0.003333 0.003918
43 0.001549 0.001770 0.002022 0.002327 0.002700 0.003157 0.003721 0.004396
44 0.001689 0.001942 0.002240 0.002599 0.003023 0.003533 0.004145 0.004929
45 0.001840 0.002134 0.002487 0.002900 0.003385 0.003948 0.004640 0.005484
46 0.002022 0.002354 0.002758 0.003230 0.003779 0.004425 0.005186 0.006085
47 0.002259 0.002612 0.003062 0.003587 0.004224 0.004951 0.005791 0.006759
48 0.002539 0.002908 0.003392 0.003991 0.004703 0.005517 0.006465 0.007544
49 0.002848 0.003237 0.003773 0.004426 0.005214 0.006138 0.007215 0.008440
50 0.003170 0.003606 0.004179 0.004890 0.005769 0.006812 0.008039 0.009420
61 0.003519 0.003993 0.004622 0.005420 0.006416 0.007624 0.009041 0.010651
52 0.003870 0.004388 0.005107 0.006024 0.007182 0.008588 0.010256 0.012167
53 0.004216 0.004787 0.005606 0.006649 0.007951 0.009534 0.011440 0.013633
54 0.004559 0.005200 0.006150 0.007357 0.008844 0.010657 0.012856 0.015366
55 0.004920 0.005638 0.006716 0.008084 0.009756 0.011780 0.014259 0.017032
56 0.005299 0.006104 0.007328 0.008877 0.010752 0.013022 0.015823 0.019019
57 0.005702 0.006614 0.007980 0.009695 0.011769 0.014282 0.017375 0.021018
58 0.006160 0.007179 0.008685 0.010578 0.012883 0.015675 0.019126 0.023158
59 0.006709 0.007807 0.009475 0.011586 0.014190 0.017389 0.021308 0.025891
60 0.007337 0.008503 0.010320 0.012626 0.015527 0.019104 0.023482 0.028527
61 0.008035 0.009276 0.011276 0.013849 0.017120 0.021203 0.026113 0.031885
62 0.008798 0.010133 0.012318 0.015135 0.018767 0.023259 0.028693 0.035152
63 0.009591 0.011052 0.013469 0.016621 0.020671 0.025735 0.031853 0.039274
64 0.010439 0.012039 0.014728 0.018217 0.022759 0.028443 0.035306 0.043756
65 0.011408 0.013180 0.016134 0.020020 0.025082 0.031431 0.039089 0.048518
66 0.012577 0.014515 0.017792 0.022103 0.027704 0.034723 0.043236 0.053488
67 0.013995 0.016152 0.019788 0.024536 0.030674 0.038379 0.047777 0.058940
68 0.015764 0.018168 0.022201 0.027381 0.034052 0.042424 0.052717 0.064849
69 0.017890 0.020574 0.025029 0.030657 0.037839 0.046843 0.058071 0.071608
70 0.020357 0.023342 0.028272 0.034345 0.042014 0.051655 0.063852 0.079120
71 0.022276 0.025547 0.031013 0.037737 0.046245 0.056942 0.070484 0.085409
72 0.024385 0.027957 0.034084 0.041650 0.051227 0.063292 0.078578 0.093196
73 0.026645 0.030530 0.037397 0.045880 0.056635 0.070186 0.085372 0.101594
74 0.028632 0.032802 0.040258 0.049478 0.061173 0.075922 0.090758 0.108398
75 0.030212 0.034596 0.042550 0.052387 0.064865 0.080170 0.095164 0.114014
76 0.031502 0.036062 0.044334 0.054563 0.067450 0.082568 0.098114 0.117704
77 0.032809 0.037541 0.046137 0.056688 0.070049 0.084997 0.101145 0.121419
78 0.034853 0.039867 0.048913 0.060075 0.074226 0.088890 0.105969 0.127309
79 0.037887 0.043266 0.053063 0.065164 0.080154 0.094735 0.113136 0.136241
80 0.040937 0.046729 0.057303 0.070350 0.084973 0.100611 0.120446 0.145339
81 0.043679 0.049150 0.059158 0.072570 0.089095 0.107670 0.128489 0.159873
82 0.045942 0.050741 0.061025 0.076091 0.095346 0.114860 0.141338 0.175861
83 0.047428 0.052342 0.063985 0.081429 0.101713 0.126346 0.155473 0.193447
84 0.048925 0.054881 0.068474 0.086867 0.111884 0.138981 0.171020 0.212791
85 0.051299 0.058732 0.073047 0.095554 0.123073 0.152879 0.188121 0.234070
MALE STANDARD SMOKER
Age\Dur 1 2 3 4 5 6 7 8
------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.002487 0.000601 0.000413 0.000335 0.000291 0.000281 0.000258 0.000251
1 0.000595 0.000394 0.000331 0.000281 0.000270 0.000230 0.000220 0.000220
2 0.000350 0.000316 0.000278 0.000263 0.000230 0.000220 0.000210 0.000213
3 0.000315 0.000267 0.000250 0.000230 0.000220 0.000200 0.000209 0.000210
4 0.000266 0.000250 0.000230 0.000220 0.000200 0.000205 0.000206 0.000214
5 0.000250 0.000226 0.000220 0.000200 0.000199 0.000203 0.000210 0.000231
6 0.000227 0.000217 0.000200 0.000195 0.000198 0.000207 0.000228 0.000299
7 0.000190 0.000200 0.000195 0.000194 0.000202 0.000225 0.000295 0.000376
8 0.000180 0.000191 0.000196 0.000200 0.000221 0.000294 0.000374 0.000494
9 0.000190 0.000190 0.000201 0.000218 0.000288 0.000371 0.000490 0.000606
10 0.000180 0.000194 0.000218 0.000282 0.000362 0.000485 0.000599 0.000718
11 0.000194 0.000209 0.000281 0.000352 0.000468 0.000586 0.000700 0.000803
12 0.000208 0.000268 0.000348 0.000453 0.000562 0.000680 0.000778 0.000856
13 0.000268 0.000334 0.000448 0.000545 0.000654 0.000757 0.000829 0.000859
14 0.000332 0.000428 0.000538 0.000633 0.000727 0.000807 0.000834 0.000727
15 0.000516 0.000641 0.000764 0.000851 0.000935 0.001001 0.001357 0.001319
16 0.000625 0.000743 0.000817 0.000869 0.000925 0.001319 0.001301 0.001276
17 0.000719 0.000789 0.000838 0.000864 0.001246 0.001260 0.001245 0.001229
18 0.000739 0.000784 0.000859 0.001451 0.001525 0.001520 0.001504 0.001499
19 0.000707 0.000760 0.001356 0.001376 0.001424 0.001414 0.001409 0.001399
20 0.000659 0.001170 0.001281 0.001291 0.001320 0.001289 0.001306 0.001307
21 0.000901 0.001082 0.001218 0.001238 0.001275 0.001264 0.001340 0.001389
22 0.000800 0.000971 0.001109 0.001126 0.001157 0.001185 0.001230 0.001289
23 0.000720 0.000869 0.001006 0.001018 0.001070 0.001098 0.001151 0.001227
24 0.000635 0.000770 0.000892 0.000937 0.000987 0.001036 0.001091 0.001169
25 0.000577 0.000691 0.000825 0.000870 0.000950 0.001014 0.001074 0.001158
26 0.000544 0.000661 0.000783 0.000846 0.000952 0.001035 0.001104 0.001201
27 0.000543 0.000643 0.000771 0.000859 0.000972 0.001076 0.001171 0.001285
28 0.000555 0.000661 0.000795 0.000890 0.001011 0.001142 0.001253 0.001398
29 0.000589 0.000703 0.000835 0.000939 0.001088 0.001238 0.001381 0.001554
30 0.000627 0.000750 0.000893 0.001000 0.001165 0.001347 0.001503 0.001718
31 0.000653 0.000794 0.000939 0.001070 0.001240 0.001445 0.001641 0.001869
32 0.000675 0.000825 0.000995 0.001128 0.001320 0.001553 0.001785 0.002042
33 0.000677 0.000847 0.001032 0.001193 0.001421 0.001679 0.001938 0.002223
34 0.000662 0.000850 0.001059 0.001248 0.001505 0.001788 0.002067 0.002381
35 0.000672 0.000884 0.001126 0.001357 0.001633 0.001958 0.002261 0.002610
36 0.000690 0.000945 0.001232 0.001492 0.001823 0.002180 0.002534 0.002912
37 0.000737 0.001025 0.001355 0.001663 0.002036 0.002437 0.002822 0.003252
38 0.000802 0.001130 0.001524 0.001868 0.002284 0.002720 0.003146 0.003637
39 0.000882 0.001277 0.001715 0.002096 0.002546 0.003041 0.003514 0.004034
40 0.000983 0.001436 0.001928 0.002358 0.002843 0.003381 0.003894 0.004468
41 0.001087 0.001597 0.002166 0.002632 0.003170 0.003745 0.004289 0.004918
42 0.001192 0.001770 0.002395 0.002915 0.003498 0.004124 0.004721 0.005408
43 0.001297 0.001935 0.002631 0.003189 0.003829 0.004516 0.005159 0.005890
44 0.001404 0.002105 0.002859 0.003475 0.004163 0.004914 0.005599 0.006363
45 0.001524 0.002279 0.003099 0.003784 0.004534 0.005336 0.006067 0.006864
46 0.001638 0.002453 0.003352 0.004119 0.004952 0.005809 0.006584 0.007446
47 0.001754 0.002657 0.003649 0.004489 0.005429 0.006356 0.007184 0.008119
48 0.001870 0.002885 0.003982 0.004906 0.005978 0.007016 0.007918 0.008935
49 0.001997 0.003126 0.004341 0.005370 0.006580 0.007753 0.008771 0.009885
50 0.002120 0.003393 0.004727 0.005865 0.007203 0.008528 0.009675 0.010896
51 0.002249 0.003666 0.005143 0.006379 0.007827 0.009306 0.010570 0.011907
52 0.002385 0.003958 0.005567 0.006897 0.008436 0.010033 0.011409 0.012810
53 0.002530 0.004248 0.005985 0.007389 0.009016 0.010681 0.012097 0.013599
54 0.002692 0.004543 0.006399 0.007876 0.009577 0.011240 0.012709 0.014339
55 0.002859 0.004864 0.006851 0.008395 0.010118 0.011814 0.013340 0.015057
56 0.003063 0.005222 0.007356 0.008952 0.010707 0.012451 0.014042 0.015860
57 0.003309 0.005648 0.007920 0.009595 0.011388 0.013215 0.014895 0.016782
58 0.003601 0.006142 0.008601 0.010377 0.012243 0.014193 0.015944 0.017884
59 0.003935 0.006718 0.009397 0.011285 0.013294 0.015364 0.017181 0.019144
60 0.004310 0.007363 0.010267 0.012289 0.014487 0.016665 0.018540 0.020542
61 0.004749 0.008038 0.011170 0.013357 0.015731 0.018020 0.019968 0.022023
62 0.005236 0.008719 0.012058 0.014456 0.016944 0.019379 0.021401 0.023578
63 0.005772 0.009490 0.013028 0.015556 0.018121 0.020648 0.022768 0.025090
64 0.006362 0.010388 0.014104 0.016664 0.019275 0.021898 0.024109 0.026564
65 0.007003 0.011306 0.015206 0.017743 0.020465 0.023208 0.025521 0.028214
66 0.007676 0.012166 0.016204 0.018796 0.021702 0.024631 0.027181 0.030184
67 0.008405 0.012870 0.017006 0.019812 0.023001 0.026278 0.029179 0.032629
68 0.009166 0.013460 0.017659 0.020757 0.024390 0.028189 0.031654 0.035873
69 0.009973 0.014017 0.018247 0.021675 0.025854 0.030375 0.034755 0.039752
70 0.010813 0.014500 0.018779 0.022539 0.027375 0.032928 0.038263 0.044182
71 0.011597 0.015548 0.020113 0.024111 0.029399 0.035330 0.041039 0.047351
72 0.012436 0.016650 0.021514 0.025902 0.031554 0.037903 0.043995 0.050713
73 0.013300 0.017791 0.023083 0.027761 0.033804 0.040573 0.047044 0.054217
74 0.013983 0.018779 0.024335 0.029255 0.035600 0.042693 0.049488 0.056984
75 0.014493 0.019443 0.025191 0.030263 0.036790 0.044103 0.051082 0.058770
76 0.014838 0.019897 0.025760 0.030921 0.037575 0.045010 0.052085 0.059870
77 0.015171 0.020327 0.026298 0.031554 0.038311 0.045852 0.053015 0.060873
78 0.015817 0.021176 0.027384 0.032830 0.039825 0.047622 0.055004 0.063103
79 0.016867 0.022572 0.029166 0.034935 0.042342 0.050579 0.058369 0.066892
80 0.017899 0.023935 0.030899 0.036979 0.044772 0.053436 0.061599 0.070528
81 0.019289 0.025774 0.033202 0.039849 0.048253 0.057157 0.066571 0.076583
82 0.020770 0.027694 0.035779 0.042949 0.051614 0.061770 0.072287 0.081035
83 0.022318 0.029844 0.038561 0.045939 0.055779 0.067073 0.076489 0.084297
84 0.024050 0.032164 0.041247 0.049646 0.060568 0.070972 0.079568 0.085828
85 0.025920 0.034404 0.044575 0.053909 0.064090 0.073829 0.081012 0.087272
Age\Dur 9 10 11 12 13 14 15 Ult.
------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000236 0.000225 0.000225 0.000231 0.000254 0.000331 0.000422 0.000558
1 0.000218 0.000221 0.000227 0.000248 0.000324 0.000412 0.000544 0.000675
2 0.000215 0.000223 0.000244 0.000318 0.000404 0.000533 0.000659 0.000791
3 0.000218 0.000241 0.000313 0.000397 0.000523 0.000647 0.000775 0.000891
4 0.000235 0.000310 0.000392 0.000515 0.000636 0.000761 0.000874 0.000966
5 0.000304 0.000388 0.000510 0.000628 0.000750 0.000860 0.000949 0.000991
6 0.000381 0.000506 0.000622 0.000742 0.000849 0.000936 0.000976 0.000824
7 0.000497 0.000619 0.000736 0.000842 0.000926 0.000964 0.000819 0.000790
8 0.000612 0.000736 0.000839 0.000921 0.000957 0.000817 0.000787 0.000768
9 0.000728 0.000838 0.000919 0.000952 0.000818 0.000786 0.000767 0.000753
10 0.000826 0.000916 0.000948 0.000820 0.000788 0.000767 0.000752 0.000725
11 0.000886 0.000925 0.000804 0.000770 0.000746 0.000729 0.000702 0.000682
12 0.000890 0.000786 0.000750 0.000725 0.000706 0.000677 0.000655 0.000624
13 0.000753 0.000731 0.000703 0.000682 0.000651 0.000627 0.000595 0.000602
14 0.000704 0.000690 0.000667 0.000633 0.000608 0.000575 0.000580 0.000582
15 0.001297 0.001276 0.001251 0.001223 0.001185 0.001225 0.001266 0.001323
16 0.001252 0.001236 0.001194 0.001163 0.001199 0.001235 0.001287 0.001330
17 0.001211 0.001191 0.001157 0.001190 0.001223 0.001271 0.001311 0.001312
18 0.001491 0.001496 0.001432 0.001478 0.001527 0.001563 0.001564 0.001550
19 0.001417 0.001435 0.001397 0.001475 0.001525 0.001564 0.001574 0.001586
20 0.001337 0.001393 0.001373 0.001451 0.001490 0.001549 0.001593 0.001609
21 0.001484 0.001608 0.001586 0.001611 0.001638 0.001668 0.001697 0.001684
22 0.001402 0.001527 0.001532 0.001559 0.001617 0.001674 0.001734 0.001765
23 0.001326 0.001454 0.001495 0.001543 0.001633 0.001728 0.001806 0.001897
24 0.001272 0.001408 0.001497 0.001550 0.001677 0.001811 0.001926 0.002045
25 0.001272 0.001421 0.001527 0.001631 0.001796 0.001966 0.002097 0.002254
26 0.001330 0.001496 0.001626 0.001782 0.001960 0.002157 0.002339 0.002509
27 0.001434 0.001625 0.001782 0.001962 0.002166 0.002400 0.002611 0.002788
28 0.001573 0.001796 0.001964 0.002159 0.002389 0.002655 0.002885 0.003102
29 0.001762 0.002032 0.002213 0.002420 0.002667 0.002936 0.003192 0.003451
30 0.001969 0.002261 0.002468 0.002696 0.002951 0.003240 0.003525 0.003853
31 0.002162 0.002484 0.002716 0.002967 0.003247 0.003573 0.003904 0.004266
32 0.002364 0.002722 0.002977 0.003266 0.003582 0.003955 0.004320 0.004744
33 0.002567 0.002959 0.003252 0.003579 0.003965 0.004384 0.004813 0.005303
34 0.002740 0.003145 0.003493 0.003883 0.004336 0.004838 0.005346 0.005966
35 0.003004 0.003435 0.003838 0.004272 0.004796 0.005381 0.005973 0.006695
36 0.003338 0.003819 0.004250 0.004739 0.005337 0.006011 0.006671 0.007426
37 0.003727 0.004237 0.004712 0.005254 0.005920 0.006664 0.007404 0.008139
38 0.004141 0.004706 0.005213 0.005812 0.006516 0.007332 0.008174 0.008926
39 0.004604 0.005215 0.005767 0.006394 0.007150 0.008036 0.008997 0.009807
40 0.005095 0.005789 0.006358 0.007015 0.007820 0.008785 0.009883 0.010849
41 0.005628 0.006379 0.006990 0.007697 0.008559 0.009618 0.010844 0.012056
42 0.006174 0.006996 0.007671 0.008460 0.009396 0.010542 0.011899 0.013371
43 0.006689 0.007629 0.008400 0.009300 0.010336 0.011571 0.013041 0.014752
44 0.007196 0.008274 0.009183 0.010210 0.011372 0.012712 0.014282 0.016146
45 0.007750 0.008974 0.010027 0.011195 0.012500 0.013965 0.015608 0.017558
46 0.008407 0.009737 0.010923 0.012239 0.013719 0.015283 0.017048 0.019092
47 0.009232 0.010612 0.011904 0.013365 0.014972 0.016708 0.018656 0.020789
48 0.010193 0.011598 0.012968 0.014515 0.016290 0.018248 0.020418 0.022744
49 0.011226 0.012692 0.014082 0.015733 0.017702 0.019902 0.022336 0.024919
50 0.012285 0.013804 0.015242 0.017037 0.019200 0.021651 0.024374 0.027241
51 0.013314 0.014939 0.016521 0.018511 0.020931 0.023731 0.026849 0.030152
52 0.014310 0.016091 0.017893 0.020168 0.022945 0.026182 0.029815 0.033698
53 0.015277 0.017206 0.019255 0.021800 0.024881 0.028452 0.032537 0.036910
54 0.016197 0.018324 0.020686 0.023625 0.027091 0.031118 0.035741 0.040658
55 0.017132 0.019455 0.022126 0.025410 0.029238 0.033621 0.038742 0.044019
56 0.018071 0.020629 0.023634 0.027301 0.031498 0.036324 0.041995 0.047985
57 0.019043 0.021879 0.025180 0.029146 0.033696 0.038914 0.045015 0.051733
58 0.020142 0.023238 0.026788 0.031079 0.036029 0.041691 0.048342 0.055581
59 0.021462 0.024700 0.028563 0.033252 0.038740 0.045120 0.052514 0.060545
60 0.022943 0.026292 0.030387 0.035372 0.041354 0.048337 0.056387 0.065398
61 0.024554 0.028016 0.032412 0.037851 0.044461 0.052272 0.061472 0.071615
62 0.026262 0.029878 0.034540 0.040334 0.047488 0.056212 0.066178 0.077331
63 0.027947 0.031790 0.036828 0.043159 0.051276 0.060934 0.071956 0.084585
64 0.029677 0.033767 0.039237 0.046372 0.055311 0.065964 0.078081 0.092218
65 0.031624 0.036019 0.042137 0.049930 0.059706 0.071362 0.084597 0.100025
66 0.033968 0.038888 0.045526 0.053992 0.064563 0.077148 0.091529 0.107789
67 0.037056 0.042396 0.049596 0.058678 0.069951 0.083410 0.098867 0.116066
68 0.040892 0.046710 0.054472 0.064078 0.075962 0.090127 0.106600 0.124715
69 0.045456 0.051783 0.060095 0.070179 0.082508 0.097244 0.114680 0.134396
70 0.050637 0.057491 0.066401 0.076852 0.089523 0.104725 0.123059 0.144847
71 0.054225 0.061549 0.071200 0.082515 0.096233 0.112664 0.132503 0.154932
72 0.058062 0.065840 0.076466 0.088942 0.104034 0.122151 0.143996 0.167437
73 0.062016 0.070260 0.081936 0.095614 0.112188 0.132043 0.154906 0.181812
74 0.065121 0.073722 0.086079 0.100580 0.118126 0.139149 0.163670 0.192381
75 0.067107 0.075881 0.088743 0.103808 0.122024 0.144935 0.170013 0.200126
76 0.068288 0.077153 0.090135 0.105332 0.124640 0.147629 0.173157 0.203759
77 0.069373 0.078295 0.091381 0.107496 0.127103 0.150204 0.176122 0.207188
78 0.071837 0.081000 0.095164 0.111862 0.132209 0.155565 0.182413 0.216318
79 0.076078 0.086350 0.101373 0.119108 0.140685 0.164527 0.194532 0.230866
80 0.080744 0.091576 0.107463 0.126185 0.148548 0.174643 0.206657 0.245397
81 0.085438 0.095263 0.109413 0.128309 0.155093 0.186389 0.219665 0.269937
82 0.088878 0.096992 0.111255 0.133962 0.165524 0.198121 0.241631 0.296931
83 0.090491 0.098625 0.116157 0.142972 0.175943 0.217932 0.265795 0.326624
84 0.092014 0.102971 0.123969 0.151971 0.193537 0.239726 0.292374 0.359286
85 0.096069 0.109896 0.131773 0.167168 0.212890 0.263699 0.321611 0.395215
MALE PREFERRED SMOKER
Age\Dur 1 2 3 4 5 6 7 8
------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.002487 0.000601 0.000413 0.000335 0.000291 0.000281 0.000258 0.000251
1 0.000595 0.000394 0.000331 0.000281 0.000270 0.000230 0.000220 0.000220
2 0.000350 0.000316 0.000278 0.000263 0.000230 0.000220 0.000210 0.000213
3 0.000315 0.000267 0.000250 0.000230 0.000220 0.000200 0.000209 0.000210
4 0.000266 0.000250 0.000230 0.000220 0.000200 0.000205 0.000206 0.000214
5 0.000250 0.000226 0.000220 0.000200 0.000199 0.000203 0.000210 0.000231
6 0.000227 0.000217 0.000200 0.000195 0.000198 0.000207 0.000228 0.000299
7 0.000190 0.000200 0.000195 0.000194 0.000202 0.000225 0.000295 0.000376
8 0.000180 0.000191 0.000196 0.000200 0.000221 0.000294 0.000374 0.000494
9 0.000190 0.000190 0.000201 0.000218 0.000288 0.000371 0.000490 0.000606
10 0.000180 0.000194 0.000218 0.000282 0.000362 0.000485 0.000599 0.000718
11 0.000194 0.000209 0.000281 0.000352 0.000468 0.000586 0.000700 0.000803
12 0.000208 0.000268 0.000348 0.000453 0.000562 0.000680 0.000778 0.000856
13 0.000268 0.000334 0.000448 0.000545 0.000654 0.000757 0.000829 0.000859
14 0.000332 0.000428 0.000538 0.000633 0.000727 0.000807 0.000834 0.000727
15 0.000516 0.000641 0.000764 0.000851 0.000935 0.001001 0.001357 0.001319
16 0.000625 0.000743 0.000817 0.000869 0.000925 0.001319 0.001301 0.001276
17 0.000719 0.000789 0.000838 0.000864 0.001246 0.001260 0.001245 0.001229
18 0.000739 0.000775 0.000793 0.000853 0.000880 0.000870 0.000851 0.000838
19 0.000707 0.000750 0.000808 0.000809 0.000822 0.000810 0.000797 0.000782
20 0.000659 0.000745 0.000763 0.000759 0.000762 0.000738 0.000739 0.000731
21 0.000616 0.000690 0.000725 0.000728 0.000736 0.000724 0.000758 0.000776
22 0.000546 0.000619 0.000661 0.000663 0.000668 0.000679 0.000696 0.000720
23 0.000492 0.000553 0.000599 0.000599 0.000617 0.000629 0.000651 0.000686
24 0.000434 0.000490 0.000532 0.000551 0.000569 0.000593 0.000617 0.000653
25 0.000394 0.000441 0.000492 0.000512 0.000548 0.000581 0.000608 0.000648
26 0.000372 0.000421 0.000467 0.000498 0.000549 0.000593 0.000624 0.000671
27 0.000371 0.000410 0.000459 0.000506 0.000561 0.000616 0.000663 0.000719
28 0.000379 0.000421 0.000473 0.000523 0.000583 0.000654 0.000709 0.000782
29 0.000402 0.000447 0.000497 0.000552 0.000628 0.000709 0.000782 0.000869
30 0.000429 0.000478 0.000532 0.000588 0.000672 0.000771 0.000851 0.000961
31 0.000446 0.000505 0.000559 0.000629 0.000715 0.000828 0.000928 0.001045
32 0.000461 0.000526 0.000593 0.000664 0.000762 0.000890 0.001010 0.001142
33 0.000463 0.000540 0.000614 0.000702 0.000820 0.000962 0.001097 0.001243
34 0.000453 0.000541 0.000630 0.000734 0.000869 0.001024 0.001170 0.001331
35 0.000458 0.000563 0.000671 0.000798 0.000943 0.001121 0.001280 0.001459
36 0.000471 0.000601 0.000734 0.000878 0.001052 0.001248 0.001434 0.001628
37 0.000503 0.000652 0.000807 0.000978 0.001175 0.001396 0.001596 0.001818
38 0.000548 0.000720 0.000908 0.001099 0.001318 0.001558 0.001780 0.002033
39 0.000603 0.000813 0.001022 0.001233 0.001469 0.001742 0.001988 0.002255
40 0.000672 0.000915 0.001149 0.001386 0.001640 0.001937 0.002204 0.002498
41 0.000742 0.001017 0.001290 0.001548 0.001829 0.002145 0.002427 0.002750
42 0.000814 0.001127 0.001427 0.001714 0.002019 0.002362 0.002671 0.003024
43 0.000886 0.001232 0.001567 0.001875 0.002210 0.002587 0.002919 0.003293
44 0.000959 0.001341 0.001703 0.002044 0.002402 0.002814 0.003168 0.003557
45 0.001041 0.001451 0.001846 0.002226 0.002616 0.003057 0.003433 0.003838
46 0.001119 0.001562 0.001996 0.002423 0.002857 0.003328 0.003726 0.004163
47 0.001198 0.001693 0.002173 0.002640 0.003133 0.003641 0.004065 0.004539
48 0.001277 0.001837 0.002372 0.002885 0.003449 0.004019 0.004481 0.004996
49 0.001364 0.001991 0.002585 0.003158 0.003797 0.004441 0.004963 0.005527
60 0.001448 0.002161 0.002815 0.003450 0.004156 0.004884 0.005474 0.006092
51 0.001536 0.002334 0.003063 0.003752 0.004517 0.005331 0.005981 0.006657
52 0.001629 0.002520 0.003316 0.004056 0.004868 0.005747 0.006456 0.007162
53 0.001728 0.002705 0.003565 0.004346 0.005203 0.006118 0.006845 0.007603
54 0.001839 0.002893 0.003812 0.004632 0.005526 0.006438 0.007192 0.008017
55 0.001954 0.003098 0.004081 0.004938 0.005838 0.006767 0.007549 0.008418
56 0.002092 0.003325 0.004381 0.005265 0.006178 0.007132 0.007946 0.008867
57 0.002260 0.003597 0.004717 0.005643 0.006571 0.007570 0.008429 0.009383
58 0.002460 0.003912 0.005123 0.006104 0.007065 0.008130 0.009022 0.009999
59 0.002688 0.004278 0.005597 0.006638 0.007671 0.008801 0.009722 0.010703
60 0.002944 0.004689 0.006115 0.007228 0.008360 0.009546 0.010491 0.011485
61 0.003244 0.005119 0.006653 0.007856 0.009078 0.010322 0.011299 0.012313
62 0.003577 0.005552 0.007182 0.008502 0.009778 0.011100 0.012110 0.013182
63 0.003943 0.006044 0.007760 0.009150 0.010456 0.011827 0.012884 0.014028
64 0.004346 0.006616 0.008400 0.009801 0.011123 0.012543 0.013642 0.014852
65 0.004784 0.007200 0.009057 0.010435 0.011809 0.013293 0.014442 0.015774
66 0.005244 0.007747 0.009652 0.011055 0.012523 0.014109 0.015381 0.016876
67 0.005741 0.008196 0.010129 0.011652 0.013272 0.015052 0.016511 0.018242
68 0.006261 0.008572 0.010519 0.012209 0.014074 0.016147 0.017912 0.020056
69 0.006812 0.008927 0.010868 0.012748 0.014919 0.017399 0.019667 0.022225
70 0.007386 0.009234 0.011185 0.013256 0.015796 0.018861 0.021651 0.024701
71 0.007922 0.009902 0.011980 0.014181 0.016965 0.020238 0.023223 0.026473
72 0.008495 0.010604 0.012815 0.015234 0.018208 0.021711 0.024895 0.028353
73 0.009085 0.011330 0.013749 0.016327 0.019506 0.023241 0.026621 0.030312
74 0.009551 0.011959 0.014495 0.017206 0.020542 0.024455 0.028003 0.031859
75 0.009901 0.012382 0.015005 0.017799 0.021229 0.025263 0.028906 0.032857
76 0.010136 0.012671 0.015344 0.018186 0.021682 0.025782 0.029473 0.033473
77 0.010363 0.012945 0.015664 0.018558 0.022107 0.026264 0.029999 0.034033
78 0.010804 0.013485 0.016311 0.019309 0.022981 0.027279 0.031125 0.035280
79 0.011521 0.014375 0.017372 0.020547 0.024433 0.028972 0.033029 0.037399
80 0.012227 0.015243 0.018404 0.021749 0.025835 0.030609 0.034857 0.039431
81 0.013176 0.016413 0.019775 0.023437 0.027844 0.032671 0.037584 0.042721
82 0.014188 0.017637 0.021310 0.025259 0.029719 0.035227 0.040720 0.045139
83 0.015245 0.019005 0.022967 0.026961 0.032045 0.038166 0.043025 0.046911
84 0.016429 0.020483 0.024514 0.029070 0.034718 0.040327 0.044715 0.047742
85 0.017706 0.021863 0.026433 0.031496 0.036684 0.041910 0.045507 0.048527
Age\Dur 9 10 11 12 13 14 15 U1t.
------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000236 0.000225 0.000225 0.000231 0.000254 0.000331 0.000422 0.000558
1 0.000218 0.000221 0.000227 0.000248 0.000324 0.000412 0.000544 0.000675
2 0.000215 0.000223 0.000244 0.000318 0.000404 0.000533 0.000659 0.000791
3 0.000218 0.000241 0.000313 0.000397 0.000523 0.000647 0.000775 0.000891
4 0.000235 0.000310 0.000392 0.000515 0.000636 0.000761 0.000874 0.000966
5 0.000304 0.000388 0.000510 0.000628 0.000750 0.000860 0.000949 0.000991
6 0.000381 0.000506 0.000622 0.000742 0.000849 0.000936 0.000976 0.000824
7 0.000497 0.000619 0.000736 0.000842 0.000926 0.000964 0.000819 0.000790
8 0.000612 0.000736 0.000839 0.000921 0.000957 0.000817 0.000787 0.000768
9 0.000728 0.000838 0.000919 0.000952 0.000818 0.000786 0.000767 0.000753
10 0.000826 0.000916 0.000948 0.000820 0.000788 0.000767 0.000752 0.000725
11 0.000886 0.000925 0.000804 0.000770 0.000746 0.000729 0.000702 0.000682
12 0.000890 0.000786 0.000750 0.000725 0.000706 0.000677 0.000655 0.000624
13 0.000753 0.000731 0.000703 0.000682 0.000651 0.000627 0.000595 0.000602
14 0.000704 0.000690 0.000667 0.000633 0.000608 0.000575 0.000580 0.000582
15 0.001297 0.001276 0.001251 0.001223 0.001185 0.001225 0.001266 0.001323
16 0.001252 0.001236 0.001194 0.001163 0.001199 0.001235 0.001287 0.001330
17 0.001211 0.001191 0.001157 0.001190 0.001223 0.001271 0.001311 0.001312
18 0.000824 0.000817 0.000811 0.000869 0.000931 0.000988 0.001025 0.001054
19 0.000783 0.000783 0.000792 0.000867 0.000930 0.000989 0.001032 0.001078
20 0.000738 0.000760 0.000778 0.000852 0.000908 0.000979 0.001045 0.001095
21 0.000820 0.000878 0.000898 0.000947 0.000998 0.001055 0.001113 0.001145
22 0.000774 0.000834 0.000868 0.000916 0.000986 0.001058 0.001137 0.001200
23 0.000733 0.000794 0.000847 0.000907 0.000996 0.001092 0.001184 0.001290
24 0.000703 0.000769 0.000848 0.000911 0.001022 0.001145 0.001263 0.001391
25 0.000703 0.000776 0.000865 0.000959 0.001095 0.001243 0.001375 0.001533
26 0.000735 0.000817 0.000921 0.001048 0.001195 0.001364 0.001534 0.001706
27 0.000792 0.000888 0.001010 0.001153 0.001320 0.001517 0.001712 0.001896
28 0.000869 0.000981 0.001113 0.001269 0.001456 0.001679 0.001892 0.002110
29 0.000974 0.001110 0.001254 0.001422 0.001626 0.001857 0.002093 0.002347
30 0.001088 0.001235 0.001398 0.001584 0.001799 0.002049 0.002312 0.002621
31 0.001195 0.001357 0.001539 0.001744 0.001979 0.002259 0.002560 0.002901
32 0.001306 0.001486 0.001687 0.001919 0.002184 0.002501 0.002833 0.003227
33 0.001418 0.001616 0.001842 0.002103 0.002417 0.002772 0.003156 0.003606
34 0.001513 0.001718 0.001979 0.002282 0.002643 0.003060 0.003505 0.004057
35 0.001660 0.001876 0.002174 0.002511 0.002923 0.003402 0.003917 0.004553
36 0.001844 0.002085 0.002408 0.002785 0.003254 0.003800 0.004374 0.005051
37 0.002059 0.002313 0.002670 0.003088 0.003609 0.004214 0.004856 0.005535
38 0.002288 0.002570 0.002953 0.003416 0.003972 0.004636 0.005360 0.006070
39 0.002544 0.002847 0.003267 0.003758 0.004359 0.005081 0.005900 0.006669
40 0.002815 0.003161 0.003602 0.004123 0.004768 0.005554 0.006481 0.007378
41 0.003109 0.003483 0.003960 0.004524 0.005218 0.006082 0.007112 0.008199
42 0.003411 0.003820 0.004346 0.004972 0.005728 0.006666 0.007803 0.009094
43 0.003695 0.004166 0.004759 0.005466 0.006301 0.007316 0.008552 0.010032
44 0.003975 0.004517 0.005202 0.006001 0.006933 0.008038 0.009366 0.010981
45 0.004281 0.004900 0.005680 0.006579 0.007620 0.008830 0.010235 0.011940
46 0.004644 0.005316 0.006188 0.007193 0.008364 0.009664 0.011180 0.012984
47 0.005100 0.005794 0.006743 0.007855 0.009127 0.010564 0.012234 0.014138
48 0.005631 0.006333 0.007346 0.008531 0.009931 0.011538 0.013390 0.015468
49 0.006202 0.006930 0.007978 0.009247 0.010792 0.012584 0.014648 0.016947
50 0.006787 0.007537 0.008635 0.010013 0.011705 0.013690 0.015984 0.018526
51 0.007356 0.008157 0.009359 0.010879 0.012761 0.015005 0.017607 0.020506
52 0.007906 0.008786 0.010137 0.011853 0.013989 0.016555 0.019552 0.022917
53 0.008440 0.009395 0.010908 0.012812 0.015168 0.017990 0.021336 0.025102
54 0.008948 0.010005 0.011719 0.013884 0.016515 0.019676 0.023438 0.027651
55 0.009465 0.010623 0.012535 0.014934 0.017825 0.021259 0.025406 0.029937
56 0.009984 0.011264 0.013389 0.016045 0.019203 0.022968 0.027539 0.032633
57 0.010521 0.011947 0.014265 0.017130 0.020542 0.024605 0.029519 0.035183
58 0.011128 0.012688 0.015176 0.018266 0.021964 0.026361 0.031701 0.037799
59 0.011857 0.013486 0.016181 0.019543 0.023617 0.028530 0.034437 0.041176
60 0.012675 0.014356 0.017215 0.020789 0.025211 0.030563 0.036977 0.044476
61 0.013565 0.015297 0.018362 0.022246 0.027105 0.033052 0.040311 0.048703
62 0.014509 0.016314 0.019568 0.023705 0.028950 0.035543 0.043397 0.052591
63 0.015440 0.017358 0.020864 0.025366 0.031260 0.038529 0.047187 0.057524
64 0.016396 0.018437 0.022229 0.027254 0.033719 0.041709 0.051204 0.062716
65 0.017471 0.019667 0.023872 0.029345 0.036399 0.045122 0.055476 0.068024
66 0.018766 0.021233 0.025792 0.031732 0.039360 0.048781 0.060022 0.073305
67 0.020473 0.023149 0.028097 0.034486 0.042645 0.052740 0.064834 0.078934
68 0.022592 0.025504 0.030860 0.037660 0.046309 0.056987 0.069905 0.084816
69 0.025113 0.028274 0.034045 0.041246 0.050300 0.061488 0.075204 0.091399
70 0.027976 0.031391 0.037618 0.045168 0.054577 0.066218 0.080698 0.098506
71 0.029958 0.033606 0.040336 0.048496 0.058667 0.071238 0.086892 0.105141
72 0.032078 0.035949 0.043320 0.052273 0.063423 0.077236 0.094428 0.113368
73 0.034262 0.038363 0.046418 0.056194 0.068394 0.083491 0.101823 0.122826
74 0.035978 0.040253 0.048766 0.059113 0.072014 0.087985 0.107382 0.129779
75 0.037075 0.041432 0.050275 0.061010 0.074390 0.091649 0.111407 0.134875
76 0.037727 0.042127 0.051063 0.061906 0.075985 0.093542 0.113401 0.137264
77 0.038326 0.042750 0.051769 0.063178 0.077487 0.095351 0.115282 0.139521
78 0.039688 0.044227 0.053913 0.065743 0.080599 0.099039 0.119273 0.145527
79 0.042031 0.047148 0.057430 0.070002 0.085766 0.104520 0.126961 0.155098
80 0.044609 0.050002 0.060880 0.074161 0.090811 0.110708 0.134653 0.164658
81 0.047134 0.051965 0.061958 0.075380 0.094720 0.117989 0.142953 0.181124
82 0.048985 0.052886 0.062977 0.078625 0.100950 0.125262 0.157248 0.199237
83 0.049853 0.053755 0.065688 0.083796 0.107172 0.137788 0.172974 0.219160
84 0.050672 0.056069 0.070008 0.088961 0.117889 0.151567 0.190270 0.241076
85 0.052854 0.059757 0.074323 0.097858 0.129679 0.166723 0.209297 0.265184
FEMALE STANDARD NONSMOKER
Age\Dur 1 2 3 4 5 6 7 8
------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000930 0.000340 0.000261 0.000204 0.000171 0.000159 0.000141 0.000132
1 0.000340 0.000250 0.000202 0.000166 0.000155 0.000139 0.000131 0.000119
2 0.000247 0.000193 0.000165 0.000151 0.000135 0.000129 0.000117 0.000109
3 0.000192 0.000158 0.000149 0.000132 0.000126 0.000116 0.000108 0.000105
4 0.000156 0.000143 0.000130 0.000122 0.000112 0.000106 0.000104 0.000105
5 0.000141 0.000125 0.000121 0.000110 0.000103 0.000103 0.000104 0.000112
6 0.000124 0.000116 0.000108 0.000101 0.000100 0.000103 0.000111 0.000143
7 0.000115 0.000104 0.000100 0.000097 0.000100 0.000109 0.000141 0.000177
8 0.000103 0.000095 0.000096 0.000097 0.000106 0.000139 0.000175 0.000227
9 0.000095 0.000092 0.000096 0.000104 0.000135 0.000172 0.000224 0.000275
10 0.000091 0.000092 0.000103 0.000132 0.000167 0.000221 0.000271 0.000322
11 0.000091 0.000098 0.000130 0.000163 0.000215 0.000268 0.000318 0.000363
12 0.000098 0.000125 0.000161 0.000210 0.000260 0.000314 0.000359 0.000393
13 0.000124 0.000155 0.000208 0.000254 0.000305 0.000354 0.000388 0.000404
14 0.000153 0.000199 0.000251 0.000298 0.000343 0.000383 0.000399 0.000364
15 0.000194 0.000238 0.000289 0.000326 0.000359 0.000387 0.000359 0.000349
16 0.000235 0.000276 0.000310 0.000335 0.000359 0.000347 0.000344 0.000338
17 0.000276 0.000300 0.000326 0.000340 0.000334 0.000334 0.000332 0.000328
18 0.000290 0.000308 0.000342 0.000360 0.000370 0.000359 0.000359 0.000363
19 0.000283 0.000304 0.000337 0.000343 0.000346 0.000335 0.000338 0.000341
20 0.000269 0.000307 0.000320 0.000323 0.000323 0.000307 0.000318 0.000319
21 0.000265 0.000298 0.000313 0.000315 0.000312 0.000298 0.000313 0.000323
22 0.000253 0.000287 0.000306 0.000307 0.000305 0.000298 0.000308 0.000317
23 0.000247 0.000278 0.000302 0.000303 0.000304 0.000299 0.000309 0.000322
24 0.000237 0.000269 0.000293 0.000301 0.000305 0.000303 0.000313 0.000329
25 0.000230 0.000259 0.000287 0.000298 0.000308 0.000311 0.000324 0.000347
26 0.000220 0.000247 0.000274 0.000288 0.000306 0.000316 0.000333 0.000361
27 0.000220 0.000243 0.000269 0.000291 0.000312 0.000330 0.000358 0.000390
28 0.000223 0.000246 0.000271 0.000296 0.000321 0.000348 0.000380 0.000425
29 0.000230 0.000251 0.000276 0.000305 0.000338 0.000370 0.000414 0.000468
30 0.000239 0.000264 0.000293 0.000323 0.000361 0.000403 0.000453 0.000518
31 0.000244 0.000276 0.000305 0.000342 0.000384 0.000433 0.000493 0.000563
32 0.000246 0.000280 0.000316 0.000356 0.000403 0.000458 0.000528 0.000607
33 0.000241 0.000280 0.000322 0.000370 0.000426 0.000486 0.000564 0.000648
34 0.000233 0.000281 0.000330 0.000386 0.000450 0.000517 0.000600 0.000691
35 0.000232 0.000289 0.000346 0.000413 0.000482 0.000558 0.000646 0.000748
36 0.000232 0.000299 0.000367 0.000442 0.000521 0.000602 0.000703 0.000812
37 0.000241 0.000314 0.000392 0.000478 0.000564 0.000654 0.000762 0.000882
38 0.000259 0.000343 0.000436 0.000530 0.000626 0.000724 0.000842 0.000979
39 0.000282 0.000384 0.000484 0.000588 0.000692 0.000801 0.000933 0.001087
40 0.000305 0.000417 0.000529 0.000643 0.000752 0.000867 0.001015 0.001184
41 0.000326 0.000451 0.000577 0.000698 0.000816 0.000943 0.001098 0.001281
42 0.000354 0.000495 0.000632 0.000767 0.000901 0.001041 0.001212 0.001411
43 0.000374 0.000526 0.000675 0.000823 0.000969 0.001119 0.001301 0.001513
44 0.000393 0.000556 0.000720 0.000881 0.001034 0.001196 0.001390 0.001616
45 0.000414 0.000590 0.000766 0.000941 0.001105 0.001279 0.001488 0.001731
46 0.000437 0.000623 0.000813 0.001005 0.001188 0.001375 0.001603 0.001864
47 0.000459 0.000662 0.000868 0.001078 0.001286 0.001492 0.001735 0.002019
48 0.000480 0.000704 0.000931 0.001162 0.001403 0.001634 0.001899 0.002215
49 0.000501 0.000750 0.001001 0.001260 0.001531 0.001792 0.002096 0.002444
50 0.000523 0.000802 0.001079 0.001364 0.001663 0.001962 0.002305 0.002689
51 0.000560 0.000878 0.001190 0.001506 0.001842 0.002184 0.002572 0.002998
52 0.000601 0.000962 0.001308 0.001659 0.002025 0.002405 0.002832 0.003302
53 0.000647 0.001048 0.001433 0.001813 0.002210 0.002613 0.003074 0.003588
54 0.000699 0.001142 0.001563 0.001973 0.002395 0.002815 0.003306 0.003859
55 0.000756 0.001247 0.001709 0.002147 0.002591 0.003028 0.003540 0.004133
56 0.000826 0.001367 0.001872 0.002344 0.002806 0.003255 0.003800 0.004439
57 0.000911 0.001509 0.002064 0.002571 0.003044 0.003523 0.004109 0.004792
58 0.001012 0.001680 0.002294 0.002837 0.003338 0.003858 0.004488 0.005216
59 0.001133 0.001881 0.002556 0.003146 0.003695 0.004262 0.004940 0.005706
60 0.001270 0.002102 0.002849 0.003492 0.004109 0.004721 0.005448 0.006255
61 0.001427 0.002341 0.003159 0.003873 0.004557 0.005217 0.005994 0.006859
62 0.001604 0.002589 0.003480 0.004282 0.005016 0.005732 0.006571 0.007513
63 0.001803 0.002876 0.003841 0.004709 0.005480 0.006246 0.007152 0.008174
64 0.002028 0.003215 0.004249 0.005153 0.005963 0.006777 0.007743 0.008852
65 0.002280 0.003576 0.004680 0.005612 0.006477 0.007344 0.008385 0.009613
66 0.002554 0.003931 0.005102 0.006082 0.007022 0.007973 0.009130 0.010516
67 0.002857 0.004253 0.005477 0.006554 0.007614 0.008697 0.010023 0.011623
68 0.003186 0.004551 0.005815 0.007025 0.008254 0.009540 0.011116 0.012990
69 0.003547 0.004845 0.006147 0.007500 0.008947 0.010510 0.012408 0.014645
70 0.003933 0.005128 0.006468 0.007975 0.009685 0.011582 0.013897 0.016553
71 0.004315 0.005622 0.007083 0.008722 0.010574 0.012643 0.015158 0.018053
72 0.004730 0.006156 0.007747 0.009525 0.011546 0.013794 0.016536 0.019689
73 0.005173 0.006724 0.008449 0.010386 0.012579 0.015025 0.018006 0.021436
74 0.005560 0.007216 0.009062 0.011130 0.013481 0.016100 0.019289 0.022951
75 0.005859 0.007601 0.009540 0.011717 0.014187 0.016937 0.020283 0.024129
76 0.006102 0.007910 0.009927 0.012191 0.014755 0.017608 0.021082 0.025076
77 0.006345 0.008224 0.010320 0.012669 0.015326 0.018286 0.021890 0.026029
78 0.006732 0.008724 0.010944 0.013427 0.016240 0.019374 0.023187 0.027565
79 0.007310 0.009470 0.011874 0.014566 0.017615 0.021008 0.025136 0.029879
80 0.007900 0.010230 0.012823 0.015729 0.019015 0.022673 0.027125 0.032241
81 0.008735 0.011523 0.014144 0.017726 0.021422 0.025174 0.030568 0.036246
82 0.009839 0.012710 0.015941 0.019970 0.023786 0.028370 0.034367 0.039585
83 0.010853 0.014325 0.017958 0.022174 0.026806 0.031895 0.037532 0.042509
84 0.012231 0.016138 0.019940 0.024988 0.030136 0.034832 0.040304 0.043979
85 0.013779 0.017918 0.022471 0.028092 0.032911 0.037406 0.041698 0.045467
Age\Dur 9 10 11 12 13 14 15 Ult.
------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000120 0.000112 0.000108 0.000108 0.000115 0.000146 0.000181 0.000233
1 0.000110 0.000108 0.000108 0.000115 0.000146 0.000181 0.000233 0.000282
2 0.000106 0.000108 0.000115 0.000146 0.000181 0.000233 0.000282 0.000331
3 0.000106 0.000115 0.000146 0.000181 0.000233 0.000282 0.000331 0.000372
4 0.000113 0.000146 0.000181 0.000233 0.000282 0.000331 0.000372 0.000403
5 0.000144 0.000181 0.000233 0.000282 0.000331 0.000372 0.000403 0.000414
6 0.000179 0.000233 0.000282 0.000331 0.000372 0.000403 0.000414 0.000358
7 0.000230 0.000282 0.000331 0.000372 0.000403 0.000414 0.000361 0.000344
8 0.000278 0.000331 0.000372 0.000403 0.000414 0.000364 0.000347 0.000333
9 0.000326 0.000372 0.000403 0.000414 0.000367 0.000349 0.000335 0.000326
10 0.000368 0.000403 0.000414 0.000369 0.000352 0.000338 0.000328 0.000315
11 0.000398 0.000414 0.000372 0.000355 0.000341 0.000331 0.000318 0.000308
12 0.000409 0.000375 0.000357 0.000343 0.000333 0.000320 0.000311 0.000295
13 0.000370 0.000360 0.000345 0.000336 0.000322 0.000313 0.000298 0.000304
14 0.000355 0.000349 0.000338 0.000326 0.000315 0.000300 0.000306 0.000309
15 0.000343 0.000338 0.000328 0.000318 0.000302 0.000309 0.000312 0.000316
16 0.000333 0.000330 0.000318 0.000304 0.000311 0.000314 0.000318 0.000322
17 0.000325 0.000322 0.000309 0.000315 0.000318 0.000322 0.000325 0.000322
18 0.000367 0.000369 0.000352 0.000356 0.000360 0.000363 0.000359 0.000354
19 0.000347 0.000356 0.000340 0.000351 0.000357 0.000363 0.000364 0.000365
20 0.000330 0.000345 0.000332 0.000346 0.000352 0.000365 0.000374 0.000381
21 0.000340 0.000359 0.000354 0.000363 0.000374 0.000386 0.000403 0.000413
22 0.000337 0.000361 0.000364 0.000372 0.000390 0.000411 0.000437 0.000455
23 0.000342 0.000372 0.000380 0.000392 0.000417 0.000446 0.000469 0.000498
24 0.000356 0.000391 0.000410 0.000425 0.000459 0.000495 0.000525 0.000558
25 0.000378 0.000419 0.000447 0.000473 0.000516 0.000559 0.000591 0.000629
26 0.000398 0.000448 0.000482 0.000520 0.000563 0.000613 0.000654 0.000691
27 0.000436 0.000497 0.000535 0.000577 0.000626 0.000680 0.000725 0.000761
28 0.000480 0.000550 0.000589 0.000635 0.000688 0.000747 0.000796 0.000838
29 0.000532 0.000614 0.000656 0.000702 0.000758 0.000817 0.000872 0.000924
30 0.000595 0.000685 0.000731 0.000779 0.000835 0.000898 0.000957 0.001024
31 0.000654 0.000752 0.000802 0.000856 0.000916 0.000986 0.001053 0.001135
32 0.000702 0.000809 0.000863 0.000924 0.000990 0.001067 0.001147 0.001240
33 0.000749 0.000866 0.000930 0.001000 0.001084 0.001181 0.001279 0.001390
34 0.000798 0.000921 0.000997 0.001083 0.001191 0.001310 0.001425 0.001566
35 0.000865 0.000994 0.001082 0.001183 0.001305 0.001439 0.001569 0.001731
36 0.000936 0.001076 0.001176 0.001290 0.001427 0.001579 0.001725 0.001898
37 0.001017 0.001173 0.001283 0.001406 0.001555 0.001724 0.001894 0.002065
38 0.001131 0.001306 0.001418 0.001547 0.001704 0.001888 0.002082 0.002248
39 0.001260 0.001450 0.001571 0.001711 0.001886 0.002096 0.002323 0.002507
40 0.001371 0.001582 0.001707 0.001856 0.002048 0.002276 0.002536 0.002767
41 0.001488 0.001718 0.001862 0.002036 0.002249 0.002513 0.002826 0.003136
42 0.001641 0.001900 0.002070 0.002269 0.002507 0.002806 0.003163 0.003551
43 0.001757 0.002058 0.002260 0.002498 0.002781 0.003120 0.003527 0.003998
44 0.001878 0.002218 0.002466 0.002756 0.003088 0.003476 0.003928 0.004480
45 0.002008 0.002392 0.002696 0.003039 0.003430 0.003868 0.004379 0.004987
46 0.002165 0.002590 0.002944 0.003345 0.003800 0.004304 0.004878 0.005531
47 0.002372 0.002818 0.003207 0.003648 0.004154 0.004712 0.005327 0.006008
48 0.002613 0.003077 0.003487 0.003968 0.004525 0.005133 0.005814 0.006553
49 0.002874 0.003360 0.003790 0.004304 0.004903 0.005581 0.006338 0.007160
50 0.003136 0.003656 0.004119 0.004681 0.005361 0.006142 0.007030 0.007995
51 0.003480 0.004050 0.004541 0.005160 0.005914 0.006800 0.007809 0.008906
52 0.003828 0.004450 0.004991 0.005674 0.006515 0.007511 0.008643 0.009869
53 0.004169 0.004852 0.005462 0.006227 0.007162 0.008258 0.009518 0.010896
54 0.004507 0.005269 0.005958 0.006824 0.007852 0.009049 0.010440 0.011933
55 0.004860 0.005708 0.006493 0.007463 0.008595 0.009905 0.011441 0.013027
56 0.005232 0.006181 0.007070 0.008151 0.009401 0.010843 0.012533 0.014327
57 0.005631 0.006700 0.007694 0.008901 0.010289 0.011876 0.013742 0.015792
58 0.006087 0.007269 0.008373 0.009710 0.011248 0.013017 0.015089 0.017349
59 0.006625 0.007903 0.009110 0.010570 0.012283 0.014268 0.016569 0.019061
60 0.007244 0.008607 0.009909 0.011502 0.013406 0.015629 0.018188 0.020930
61 0.007932 0.009377 0.010827 0.012620 0.014803 0.017384 0.020314 0.023542
62 0.008674 0.010229 0.011842 0.013856 0.016350 0.019295 0.022672 0.026440
63 0.009442 0.011129 0.012979 0.015315 0.018226 0.021718 0.025713 0.030333
64 0.010252 0.012087 0.014155 0.016773 0.020081 0.024036 0.028583 0.033946
65 0.011171 0.013181 0.015533 0.018558 0.022371 0.026977 0.032291 0.038557
66 0.012267 0.014468 0.017096 0.020460 0.024710 0.029844 0.035793 0.042628
67 0.013605 0.016046 0.019035 0.022848 0.027651 0.033465 0.040269 0.048018
68 0.015273 0.017978 0.021302 0.025470 0.030684 0.037001 0.044501 0.052967
69 0.017266 0.020282 0.024050 0.028677 0.034416 0.041411 0.049868 0.059693
70 0.019573 0.022931 0.027194 0.032289 0.038573 0.046265 0.055735 0.067248
71 0.021344 0.025000 0.029849 0.035664 0.042847 0.051644 0.062497 0.074668
72 0.023273 0.027243 0.032874 0.039651 0.048021 0.058305 0.070550 0.084146
73 0.025324 0.029636 0.036147 0.043986 0.053689 0.065628 0.078783 0.094601
74 0.027107 0.031722 0.038950 0.047672 0.058483 0.071233 0.085649 0.103314
75 0.028496 0.033334 0.041212 0.050734 0.062536 0.075831 0.091595 0.110946
76 0.029604 0.034624 0.042802 0.052683 0.064903 0.078368 0.094724 0.114782
77 0.030723 0.035929 0.044411 0.054630 0.067281 0.080938 0.097876 0.118666
78 0.032532 0.038040 0.046993 0.057794 0.070691 0.085123 0.103038 0.124970
79 0.035259 0.041205 0.050891 0.062588 0.075844 0.091471 0.110816 0.134537
80 0.038023 0.044425 0.054869 0.067439 0.081101 0.097900 0.118732 0.144287
81 0.041525 0.047706 0.056766 0.069721 0.085409 0.105395 0.127336 0.158715
82 0.044592 0.049356 0.058686 0.073425 0.091948 0.113034 0.140069 0.174587
83 0.046134 0.051026 0.061804 0.079046 0.098611 0.124336 0.154076 0.192046
84 0.047695 0.053737 0.066536 0.084775 0.108472 0.136769 0.169484 0.211250
85 0.050229 0.057851 0.071357 0.093252 0.119319 0.150447 0.186431 0.232375
FEMALE PREFERRED NONSMOKER
Age\Dur 1 2 3 4 5 6 7 8
------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000930 0.000340 0.000261 0.000204 0.000171 0.000159 0.000141 0.000132
1 0.000340 0.000250 0.000202 0.000166 0.000155 0.000139 0.000131 0.000119
2 0.000247 0.000193 0.000165 0.000151 0.000135 0.000129 0.000117 0.000109
3 0.000192 0.000158 0.000149 0.000132 0.000126 0.000116 0.000108 0.000105
4 0.000156 0.000143 0.000130 0.000122 0.000112 0.000106 0.000104 0.000105
5 0.000141 0.000125 0.000121 0.000110 0.000103 0.000103 0.000104 0.000112
6 0.000124 0.000116 0.000108 0.000101 0.000100 0.000103 0.000111 0.000143
7 0.000115 0.000104 0.000100 0.000097 0.000100 0.000109 0.000141 0.000177
8 0.000103 0.000095 0.000096 0.000097 0.000106 0.000139 0.000175 0.000227
9 0.000095 0.000092 0.000096 0.000104 0.000135 0.000172 0.000224 0.000275
10 0.000091 0.000092 0.000103 0.000132 0.000167 0.000221 0.000271 0.000322
11 0.000091 0.000098 0.000130 0.000163 0.000215 0.000268 0.000318 0.000363
12 0.000098 0.000125 0.000161 0.000210 0.000260 0.000314 0.000359 0.000393
13 0.000124 0.000155 0.000208 0.000254 0.000305 0.000354 0.000388 0.000404
14 0.000153 0.000199 0.000251 0.000298 0.000343 0.000383 0.000399 0.000364
15 0.000194 0.000238 0.000289 0.000326 0.000359 0.000387 0.000359 0.000349
16 0.000235 0.000276 0.000310 0.000335 0.000359 0.000347 0.000344 0.000338
17 0.000276 0.000300 0.000326 0.000340 0.000334 0.000334 0.000332 0.000328
18 0.000290 0.000308 0.000342 0.000268 0.000280 0.000279 0.000272 0.000267
19 0.000283 0.000304 0.000255 0.000255 0.000262 0.000260 0.000256 0.000251
20 0.000269 0.000221 0.000242 0.000240 0.000244 0.000239 0.000240 0.000235
21 0.000194 0.000214 0.000237 0.000234 0.000236 0.000232 0.000237 0.000238
22 0.000185 0.000206 0.000232 0.000229 0.000230 0.000231 0.000233 0.000234
23 0.000181 0.000200 0.000228 0.000225 0.000229 0.000232 0.000233 0.000237
24 0.000174 0.000193 0.000222 0.000224 0.000230 0.000236 0.000236 0.000243
25 0.000169 0.000186 0.000217 0.000222 0.000233 0.000241 0.000245 0.000255
26 0.000161 0.000178 0.000207 0.000214 0.000231 0.000245 0.000252 0.000266
27 0.000161 0.000175 0.000204 0.000216 0.000236 0.000256 0.000270 0.000287
28 0.000164 0.000177 0.000205 0.000220 0.000243 0.000270 0.000287 0.000313
29 0.000169 0.000181 0.000209 0.000227 0.000256 0.000287 0.000313 0.000345
30 0.000175 0.000190 0.000221 0.000240 0.000273 0.000313 0.000342 0.000382
31 0.000179 0.000198 0.000231 0.000254 0.000290 0.000337 0.000373 0.000415
32 0.000180 0.000201 0.000239 0.000264 0.000305 0.000356 0.000399 0.000446
33 0.000176 0.000202 0.000243 0.000275 0.000322 0.000378 0.000426 0.000477
34 0.000171 0.000202 0.000250 0.000287 0.000340 0.000402 0.000453 0.000509
35 0.000171 0.000208 0.000262 0.000307 0.000365 0.000433 0.000488 0.000551
36 0.000171 0.000215 0.000278 0.000329 0.000394 0.000468 0.000532 0.000598
37 0.000177 0.000226 0.000297 0.000355 0.000427 0.000508 0.000576 0.000650
38 0.000190 0.000247 0.000329 0.000394 0.000474 0.000562 0.000636 0.000721
39 0.000207 0.000275 0.000366 0.000437 0.000523 0.000622 0.000705 0.000800
40 0.000223 0.000300 0.000400 0.000478 0.000568 0.000674 0.000767 0.000872
41 0.000239 0.000324 0.000436 0.000519 0.000617 0.000733 0.000831 0.000943
42 0.000259 0.000356 0.000478 0.000570 0.000681 0.000808 0.000916 0.001039
43 0.000274 0.000378 0.000511 0.000612 0.000733 0.000870 0.000983 0.001115
44 0.000288 0.000400 0.000545 0.000655 0.000782 0.000929 0.001051 0.001190
45 0.000304 0.000424 0.000579 0.000700 0.000836 0.000993 0.001125 0.001274
46 0.000320 0.000448 0.000615 0.000747 0.000898 0.001068 0.001211 0.001373
47 0.000336 0.000476 0.000656 0.000801 0.000972 0.001159 0.001312 0.001487
48 0.000351 0.000506 0.000704 0.000864 0.001061 0.001269 0.001436 0.001631
49 0.000368 0.000539 0.000757 0.000937 0.001158 0.001391 0.001585 0.001800
50 0.000383 0.000577 0.000816 0.001014 0.001258 0.001524 0.001742 0.001980
51 0.000410 0.000632 0.000900 0.001120 0.001393 0.001697 0.001944 0.002208
52 0.000441 0.000691 0.000989 0.001233 0.001531 0.001868 0.002141 0.002432
53 0.000474 0.000753 0.001084 0.001348 0.001671 0.002029 0.002324 0.002642
54 0.000512 0.000821 0.001182 0.001467 0.001811 0.002186 0.002499 0.002842
55 0.000554 0.000897 0.001292 0.001596 0.001959 0.002352 0.002676 0.003043
56 0.000606 0.000983 0.001416 0.001742 0.002122 0.002528 0.002873 0.003268
57 0.000668 0.001085 0.001561 0.001911 0.002302 0.002737 0.003107 0.003529
58 0.000742 0.001208 0.001735 0.002108 0.002524 0.002997 0.003393 0.003841
59 0.000830 0.001352 0.001934 0.002338 0.002794 0.003310 0.003735 0.004202
60 0.000931 0.001512 0.002154 0.002596 0.003107 0.003667 0.004118 0.004606
61 0.001046 0.001683 0.002390 0.002879 0.003446 0.004052 0.004532 0.005051
62 0.001176 0.001861 0.002632 0.003183 0.003793 0.004452 0.004968 0.005532
63 0.001322 0.002067 0.002905 0.003500 0.004145 0.004852 0.005407 0.006019
64 0.001487 0.002312 0.003213 0.003830 0.004509 0.005264 0.005854 0.006519
65 0.001671 0.002570 0.003540 0.004171 0.004898 0.005704 0.006339 0.007079
66 0.001872 0.002826 0.003858 0.004521 0.005310 0.006193 0.006903 0.007744
67 0.002094 0.003058 0.004142 0.004872 0.005758 0.006755 0.007577 0.008558
68 0.002336 0.003272 0.004398 0.005222 0.006242 0.007410 0.008403 0.009565
69 0.002600 0.003484 0.004649 0.005575 0.006766 0.008163 0.009380 0.010784
70 0.002883 0.003686 0.004892 0.005928 0.007324 0.008996 0.010506 0.012189
71 0.003163 0.004041 0.005357 0.006483 0.007996 0.009820 0.011459 0.013294
72 0.003467 0.004426 0.005859 0.007080 0.008732 0.010713 0.012501 0.014498
73 0.003792 0.004834 0.006390 0.007720 0.009513 0.011670 0.013612 0.015785
74 0.004076 0.005188 0.006854 0.008274 0.010195 0.012505 0.014582 0.016900
75 0.004295 0.005464 0.007215 0.008710 0.010729 0.013155 0.015334 0.017768
76 0.004473 0.005687 0.007508 0.009062 0.011158 0.013677 0.015938 0.018465
77 0.004651 0.005912 0.007805 0.009417 0.011590 0.014203 0.016549 0.019167
78 0.004934 0.006272 0.008277 0.009981 0.012281 0.015048 0.017529 0.020298
79 0.005358 0.006808 0.008980 0.010827 0.013321 0.016317 0.019002 0.022002
80 0.005791 0.007354 0.009698 0.011692 0.014380 0.017610 0.020507 0.023741
81 0.006402 0.008284 0.010697 0.013177 0.016200 0.019288 0.022786 0.026359
82 0.007212 0.009138 0.012056 0.014845 0.017743 0.021431 0.025299 0.028542
83 0.007955 0.010298 0.013582 0.016259 0.019715 0.023794 0.027393 0.030453
84 0.008965 0.011602 0.014876 0.018065 0.021889 0.025764 0.029228 0.031414
85 0.010100 0.012707 0.016529 0.020058 0.023702 0.027490 0.030150 0.032387
Age\Dur 9 10 11 12 13 14 15 Ult.
------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000120 0.000112 0.000108 0.000108 0.000115 0.000146 0.000181 0.000233
1 0.000110 0.000108 0.000108 0.000115 0.000146 0.000181 0.000233 0.000282
2 0.000106 0.000108 0.000115 0.000146 0.000181 0.000233 0.000282 0.000331
3 0.000106 0.000115 0.000146 0.000181 0.000233 0.000282 0.000331 0.000372
4 0.000113 0.000146 0.000181 0.000233 0.000282 0.000331 0.000372 0.000403
5 0.000144 0.000181 0.000233 0.000282 0.000331 0.000372 0.000403 0.000414
6 0.000179 0.000233 0.000282 0.000331 0.000372 0.000403 0.000414 0.000358
7 0.000230 0.000282 0.000331 0.000372 0.000403 0.000414 0.000361 0.000344
8 0.000278 0.000331 0.000372 0.000403 0.000414 0.000364 0.000347 0.000333
9 0.000326 0.000372 0.000403 0.000414 0.000367 0.000349 0.000335 0.000326
10 0.000368 0.000403 0.000414 0.000369 0.000352 0.000338 0.000328 0.000315
11 0.000398 0.000414 0.000372 0.000355 0.000341 0.000331 0.000318 0.000308
12 0.000409 0.000375 0.000357 0.000343 0.000333 0.000320 0.000311 0.000295
13 0.000370 0.000360 0.000345 0.000336 0.000322 0.000313 0.000298 0.000304
14 0.000355 0.000349 0.000338 0.000326 0.000315 0.000300 0.000306 0.000309
15 0.000343 0.000338 0.000328 0.000318 0.000302 0.000309 0.000312 0.000316
16 0.000333 0.000330 0.000318 0.000304 0.000311 0.000314 0.000318 0.000322
17 0.000325 0.000322 0.000309 0.000315 0.000318 0.000322 0.000325 0.000322
18 0.000263 0.000259 0.000253 0.000264 0.000275 0.000285 0.000291 0.000296
19 0.000249 0.000249 0.000245 0.000260 0.000273 0.000285 0.000294 0.000304
20 0.000237 0.000241 0.000239 0.000256 0.000269 0.000287 0.000303 0.000318
21 0.000244 0.000252 0.000255 0.000269 0.000285 0.000304 0.000327 0.000345
22 0.000242 0.000253 0.000262 0.000278 0.000298 0.000324 0.000354 0.000381
23 0.000246 0.000260 0.000274 0.000290 0.000318 0.000350 0.000380 0.000416
24 0.000255 0.000274 0.000296 0.000315 0.000350 0.000389 0.000425 0.000466
25 0.000271 0.000294 0.000322 0.000351 0.000394 0.000439 0.000479 0.000526
26 0.000285 0.000314 0.000347 0.000386 0.000430 0.000482 0.000530 0.000577
27 0.000313 0.000348 0.000385 0.000428 0.000478 0.000535 0.000688 0.000635
28 0.000345 0.000385 0.000424 0.000471 0.000525 0.000587 0.000644 0.000700
29 0.000382 0.000430 0.000473 0.000521 0.000578 0.000643 0.000706 0.000772
30 0.000427 0.000480 0.000527 0.000578 0.000638 0.000706 0.000775 0.000855
31 0.000469 0.000526 0.000577 0.000635 0.000699 0.000775 0.000853 0.000948
32 0.000504 0.000566 0.000622 0.000685 0.000756 0.000839 0.000929 0.001036
33 0.000537 0.000606 0.000670 0.000742 0.000827 0.000929 0.001036 0.001160
34 0.000573 0.000644 0.000719 0.000803 0.000909 0.001030 0.001155 0.001308
35 0.000621 0.000696 0.000779 0.000877 0.000996 0.001132 0.001271 0.001446
36 0.000671 0.000753 0.000848 0.000956 0.001090 0.001242 0.001398 0.001585
37 0.000730 0.000821 0.000924 0.001042 0.001188 0.001356 0.001534 0.001724
38 0.000812 0.000914 0.001021 0.001147 0.001301 0.001485 0.001686 0.001878
39 0.000905 0.001015 0.001131 0.001269 0.001439 0.001649 0.001882 0.002094
40 0.000984 0.001107 0.001230 0.001376 0.001563 0.001790 0.002055 0.002311
41 0.001068 0.001202 0.001341 0.001509 0.001717 0.001976 0.002290 0.002619
42 0.001178 0.001330 0.001491 0.001682 0.001914 0.002207 0.002563 0.002967
43 0.001262 0.001441 0.001628 0.001852 0.002123 0.002454 0.002858 0.003339
44 0.001347 0.001553 0.001776 0.002044 0.002358 0.002733 0.003183 0.003742
45 0.001441 0.001675 0.001943 0.002254 0.002619 0.003042 0.003548 0.004165
46 0.001554 0.001813 0.002121 0.002481 0.002901 0.003384 0.003953 0.004620
47 0.001702 0.001973 0.002310 0.002705 0.003172 0.003705 0.004317 0.005019
48 0.001876 0.002154 0.002511 0.002942 0.003455 0.004037 0.004712 0.005474
49 0.002063 0.002352 0.002730 0.003191 0.003744 0.004389 0.005136 0.005980
50 0.002251 0.002559 0.002967 0.003471 0.004093 0.004830 0.005696 0.006678
51 0.002498 0.002835 0.003272 0.003826 0.004515 0.005347 0.006328 0.007438
52 0.002748 0.003114 0.003596 0.004207 0.004974 0.005906 0.007004 0.008244
53 0.002992 0.003397 0.003935 0.004617 0.005468 0.006494 0.007713 0.009101
54 0.003235 0.003688 0.004292 0.005060 0.005995 0.007116 0.008460 0.009967
55 0.003489 0.003995 0.004677 0.005534 0.006562 0.007789 0.009271 0.010880
56 0.003755 0.004327 0.005092 0.006044 0.007178 0.008527 0.010156 0.011967
57 0.004042 0.004690 0.005543 0.006600 0.007855 0.009340 0.011136 0.013191
58 0.004368 0.005089 0.006031 0.007200 0.008588 0.010237 0.012227 0.014492
59 0.004755 0.005532 0.006562 0.007837 0.009378 0.011220 0.013426 0.015921
60 0.005200 0.006025 0.007138 0.008529 0.010236 0.012292 0.014738 0.017482
61 0.005693 0.006564 0.007799 0.009357 0.011302 0.013671 0.016461 0.019664
62 0.006225 0.007161 0.008531 0.010275 0.012483 0.015174 0.018372 0.022084
63 0.006777 0.007790 0.009349 0.011356 0.013915 0.017079 0.020836 0.025336
64 0.007358 0.008461 0.010196 0.012437 0.015332 0.018903 0.023162 0.028354
65 0.008018 0.009227 0.011189 0.013760 0.017080 0.021215 0.026166 0.032206
66 0.008804 0.010127 0.012315 0.015171 0.018865 0.023470 0.029004 0.035605
67 0.009764 0.011232 0.013711 0.016942 0.021111 0.026317 0.032631 0.040108
68 0.010962 0.012585 0.015344 0.018886 0.023427 0.029098 0.036060 0.044241
69 0.012392 0.014198 0.017324 0.021264 0.026276 0.032566 0.040409 0.049859
70 0.014048 0.016052 0.019589 0.023942 0.029450 0.036384 0.045163 0.056170
71 0.015319 0.017500 0.021501 0.026444 0.032713 0.040614 0.050642 0.061521
72 0.016704 0.019070 0.023680 0.029401 0.036664 0.045852 0.057213 0.068357
73 0.018175 0.020745 0.026038 0.032615 0.040991 0.051611 0.062974 0.075896
74 0.019455 0.022206 0.028057 0.035348 0.044652 0.056394 0.067777 0.082180
75 0.020452 0.023334 0.029687 0.037618 0.047746 0.059517 0.071937 0.087684
76 0.021247 0.024237 0.030832 0.039064 0.049553 0.061239 0.074126 0.090451
77 0.022050 0.025150 0.031991 0.040507 0.051373 0.062984 0.076332 0.093252
78 0.023349 0.026628 0.033850 0.042853 0.054348 0.065828 0.079943 0.097798
79 0.025306 0.028843 0.036658 0.046408 0.058190 0.070136 0.085385 0.104698
80 0.027290 0.031098 0.039524 0.050025 0.061656 0.074501 0.090923 0.111729
81 0.029550 0.033181 0.040771 0.051574 0.064662 0.079757 0.097029 0.122902
82 0.031529 0.034228 0.042034 0.054088 0.069224 0.085113 0.106732 0.135192
83 0.032524 0.035288 0.044083 0.057904 0.073873 0.093625 0.117405 0.148712
84 0.033531 0.037008 0.047193 0.061793 0.081260 0.102987 0.129146 0.163583
85 0.035165 0.039619 0.050362 0.067972 0.089386 0.113286 0.142061 0.179941
FEMALE STANDARD SMOKER
Age\Dur 1 2 3 4 5 6 7 8
------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000930 0.000340 0.000261 0.000204 0.000171 0.000159 0.000141 0.000132
1 0.000340 0.000250 0.000202 0.000166 0.000155 0.000139 0.000131 0.000119
2 0.000247 0.000193 0.000165 0.000151 0.000135 0.000129 0.000117 0.000109
3 0.000192 0.000158 0.000149 0.000132 0.000126 0.000116 0.000108 0.000105
4 0.000156 0.000143 0.000130 0.000122 0.000112 0.000106 0.000104 0.000105
5 0.000141 0.000125 0.000121 0.000110 0.000103 0.000103 0.000104 0.000112
6 0.000124 0.000116 0.000108 0.000101 0.000100 0.000103 0.000111 0.000143
7 0.000115 0.000104 0.000100 0.000097 0.000100 0.000109 0.000141 0.000177
8 0.000103 0.000095 0.000096 0.000097 0.000106 0.000139 0.000175 0.000227
9 0.000095 0.000092 0.000096 0.000104 0.000135 0.000172 0.000224 0.000275
10 0.000091 0.000092 0.000103 0.000132 0.000167 0.000221 0.000271 0.000322
11 0.000091 0.000098 0.000130 0.000163 0.000215 0.000268 0.000318 0.000363
12 0.000098 0.000125 0.000161 0.000210 0.000260 0.000314 0.000359 0.000393
13 0.000124 0.000155 0.000208 0.000254 0.000305 0.000354 0.000388 0.000404
14 0.000153 0.000199 0.000251 0.000298 0.000343 0.000383 0.000399 0.000364
15 0.000236 0.000296 0.000356 0.000401 0.000444 0.000481 0.000684 0.000673
16 0.000286 0.000344 0.000383 0.000412 0.000444 0.000667 0.000668 0.000664
17 0.000336 0.000373 0.000401 0.000419 0.000636 0.000654 0.000655 0.000656
18 0.000352 0.000379 0.000420 0.000747 0.000800 0.000808 0.000810 0.000821
19 0.000343 0.000374 0.000702 0.000725 0.000761 0.000767 0.000776 0.000786
20 0.000326 0.000611 0.000680 0.000695 0.000722 0.000716 0.000741 0.000751
21 0.000501 0.000603 0.000678 0.000689 0.000711 0.000707 0.000747 0.000781
22 0.000486 0.000590 0.000673 0.000685 0.000707 0.000721 0.000754 0.000791
23 0.000484 0.000583 0.000675 0.000687 0.000719 0.000744 0.000782 0.000831
24 0.000472 0.000573 0.000667 0.000698 0.000741 0.000780 0.000820 0.000882
25 0.000467 0.000561 0.000667 0.000709 0.000775 0.000827 0.000880 0.000955
26 0.000453 0.000548 0.000655 0.000709 0.000796 0.000869 0.000932 0.001018
27 0.000463 0.000554 0.000665 0.000740 0.000841 0.000935 0.001021 0.001120
28 0.000484 0.000578 0.000693 0.000779 0.000891 0.001009 0.001106 0.001238
29 0.000514 0.000612 0.000731 0.000828 0.000962 0.001093 0.001223 0.001381
30 0.000554 0.000666 0.000798 0.000896 0.001042 0.001208 0.001353 0.001549
31 0.000587 0.000716 0.000850 0.000967 0.001124 0.001315 0.001495 0.001703
32 0.000606 0.000744 0.000896 0.001018 0.001196 0.001408 0.001618 0.001857
33 0.000607 0.000759 0.000926 0.001075 0.001282 0.001515 0.001753 0.002010
34 0.000598 0.000770 0.000962 0.001136 0.001370 0.001633 0.001887 0.002172
35 0.000606 0.000803 0.001022 0.001232 0.001487 0.001782 0.002058 0.002370
36 0.000615 0.000842 0.001098 0.001334 0.001629 0.001947 0.002260 0.002594
37 0.000644 0.000896 0.001190 0.001459 0.001785 0.002133 0.002467 0.002841
38 0.000701 0.000992 0.001337 0.001639 0.001998 0.002379 0.002748 0.003165
39 0.000774 0.001120 0.001504 0.001834 0.002225 0.002656 0.003058 0.003500
40 0.000847 0.001236 0.001656 0.002022 0.002436 0.002887 0.003315 0.003796
41 0.000917 0.001345 0.001822 0.002213 0.002655 0.003127 0.003573 0.004090
42 0.001003 0.001489 0.002013 0.002441 0.002920 0.003436 0.003926 0.004487
43 0.001070 0.001595 0.002160 0.002609 0.003128 0.003681 0.004196 0.004795
44 0.001134 0.001694 0.002294 0.002782 0.003326 0.003917 0.004466 0.005079
45 0.001201 0.001790 0.002431 0.002962 0.003540 0.004170 0.004743 0.005370
46 0.001261 0.001883 0.002569 0.003149 0.003789 0.004447 0.005044 0.005711
47 0.001318 0.001993 0.002730 0.003362 0.004068 0.004765 0.005393 0.006109
48 0.001372 0.002111 0.002917 0.003596 0.004385 0.005153 0.005828 0.006588
49 0.001429 0.002240 0.003111 0.003851 0.004725 0.005580 0.006322 0.007143
50 0.001484 0.002377 0.003313 0.004116 0.005066 0.006007 0.006832 0.007718
51 0.001575 0.002569 0.003608 0.004487 0.005514 0.006573 0.007487 0.008451
52 0.001671 0.002777 0.003915 0.004859 0.005957 0.007107 0.008098 0.009095
53 0.001775 0.002988 0.004216 0.005218 0.006387 0.007580 0.008589 0.009651
54 0.001893 0.003201 0.004520 0.005579 0.006797 0.007981 0.009018 0.010179
55 0.002015 0.003435 0.004853 0.005959 0.007183 0.008384 0.009470 0.010688
56 0.002163 0.003699 0.005221 0.006356 0.007597 0.008839 0.009968 0.011247
57 0.002343 0.004008 0.005623 0.006809 0.008084 0.009380 0.010564 0.011897
58 0.002555 0.004362 0.006103 0.007367 0.008690 0.010065 0.011303 0.012680
59 0.002794 0.004767 0.006671 0.008011 0.009428 0.010891 0.012182 0.013573
60 0.003058 0.005227 0.007287 0.008715 0.010270 0.011816 0.013145 0.014558
61 0.003371 0.005706 0.007922 0.009468 0.011154 0.012776 0.014151 0.015609
62 0.003717 0.006183 0.008547 0.010249 0.012014 0.013734 0.015168 0.016706
63 0.004094 0.006728 0.009237 0.011030 0.012842 0.014635 0.016132 0.017755
64 0.004510 0.007366 0.010000 0.011809 0.013662 0.015516 0.017060 0.018773
65 0.004965 0.008016 0.010776 0.012575 0.014500 0.016422 0.018035 0.019887
66 0.005443 0.008621 0.011485 0.013318 0.015358 0.017406 0.019159 0.021213
67 0.005956 0.009122 0.012049 0.014019 0.016255 0.018522 0.020506 0.022841
68 0.006497 0.009538 0.012496 0.014670 0.017191 0.019810 0.022159 0.025027
69 0.007066 0.009919 0.012895 0.015278 0.018169 0.021263 0.024248 0.027644
70 0.007652 0.010247 0.013237 0.015840 0.019163 0.022973 0.026609 0.030606
71 0.008196 0.010959 0.014134 0.016879 0.020511 0.024570 0.028430 0.032679
72 0.008766 0.011702 0.015061 0.018071 0.021943 0.026257 0.030383 0.034876
73 0.009347 0.012454 0.016105 0.019305 0.023417 0.028002 0.032353 0.037138
74 0.009788 0.013101 0.016924 0.020266 0.024569 0.029360 0.033899 0.038872
75 0.010112 0.013521 0.017451 0.020886 0.025301 0.030210 0.034846 0.039935
76 0.010318 0.013783 0.017779 0.021264 0.025739 0.030704 0.035393 0.040530
77 0.010509 0.014029 0.018085 0.021614 0.026135 0.031157 0.035888 0.041059
78 0.010916 0.014562 0.018758 0.022395 0.027061 0.032239 0.037099 0.042412
79 0.011599 0.015462 0.019896 0.023739 0.028664 0.034116 0.039231 0.044814
80 0.012261 0.016328 0.020996 0.025034 0.030199 0.035915 0.041267 0.047106
81 0.013252 0.017972 0.022618 0.027534 0.033186 0.039073 0.045522 0.052190
82 0.014587 0.019360 0.024877 0.030258 0.036103 0.043100 0.050435 0.056115
83 0.015713 0.021294 0.027337 0.032917 0.039825 0.047753 0.054227 0.059278
84 0.017282 0.023400 0.029740 0.036311 0.044124 0.051343 0.057283 0.060279
85 0.018992 0.025457 0.032806 0.040231 0.047441 0.054237 0.058251 0.061225
Age\Dur 9 10 11 12 13 14 15 Ult.
------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000120 0.000112 0.000108 0.000108 0.000115 0.000146 0.000181 0.000233
1 0.000110 0.000108 0.000108 0.000115 0.000146 0.000181 0.000233 0.000282
2 0.000106 0.000108 0.000115 0.000146 0.000181 0.000233 0.000282 0.000331
3 0.000106 0.000115 0.000146 0.000181 0.000233 0.000282 0.000331 0.000372
4 0.000113 0.000146 0.000181 0.000233 0.000282 0.000331 0.000372 0.000403
5 0.000144 0.000181 0.000233 0.000282 0.000331 0.000372 0.000403 0.000414
6 0.000179 0.000233 0.000282 0.000331 0.000372 0.000403 0.000414 0.000358
7 0.000230 0.000282 0.000331 0.000372 0.000403 0.000414 0.000361 0.000344
8 0.000278 0.000331 0.000372 0.000403 0.000414 0.000364 0.000347 0.000333
9 0.000326 0.000372 0.000403 0.000414 0.000367 0.000349 0.000335 0.000326
10 0.000368 0.000403 0.000414 0.000369 0.000352 0.000338 0.000328 0.000315
11 0.000398 0.000414 0.000372 0.000355 0.000341 0.000331 0.000318 0.000308
12 0.000409 0.000375 0.000357 0.000343 0.000333 0.000320 0.000311 0.000295
13 0.000370 0.000360 0.000345 0.000336 0.000322 0.000313 0.000298 0.000304
14 0.000355 0.000349 0.000338 0.000326 0.000315 0.000300 0.000306 0.000309
15 0.000669 0.000664 0.000659 0.000654 0.000638 0.000673 0.000703 0.000743
16 0.000659 0.000661 0.000649 0.000640 0.000675 0.000706 0.000745 0.000785
17 0.000656 0.000657 0.000646 0.000681 0.000711 0.000749 0.000788 0.000807
18 0.000833 0.000846 0.000830 0.000872 0.000915 0.000957 0.000979 0.000992
19 0.000806 0.000836 0.000829 0.000889 0.000940 0.000986 0.001014 0.001039
20 0.000788 0.000836 0.000839 0.000906 0.000954 0.001015 0.001063 0.001100
21 0.000837 0.000904 0.000925 0.000978 0.001034 0.001093 0.001163 0.001211
22 0.000860 0.000941 0.000978 0.001028 0.001100 0.001182 0.001275 0.001353
23 0.000903 0.000997 0.001047 0.001100 0.001192 0.001294 0.001388 0.001496
24 0.000966 0.001073 0.001151 0.001209 0.001330 0.001457 0.001572 0.001701
25 0.001052 0.001173 0.001269 0.001367 0.001515 0.001667 0.001794 0.001941
26 0.001126 0.001270 0.001386 0.001523 0.001677 0.001853 0.002011 0.002158
27 0.001252 0.001425 0.001559 0.001711 0.001888 0.002083 0.002256 0.002394
28 0.001397 0.001598 0.001738 0.001906 0.002097 0.002315 0.002494 0.002661
29 0.001568 0.001808 0.001964 0.002136 0.002339 0.002555 0.002756 0.002958
30 0.001775 0.002043 0.002215 0.002401 0.002601 0.002830 0.003050 0.003290
31 0.001976 0.002271 0.002459 0.002656 0.002876 0.003130 0.003370 0.003631
32 0.002149 0.002474 0.002670 0.002893 0.003133 0.003402 0.003657 0.003953
33 0.002320 0.002670 0.002900 0.003154 0.003442 0.003751 0.004060 0.004410
34 0.002495 0.002861 0.003136 0.003429 0.003768 0.004142 0.004506 0.004950
35 0.002726 0.003114 0.003413 0.003730 0.004113 0.004532 0.004939 0.005450
36 0.002971 0.003386 0.003699 0.004051 0.004482 0.004954 0.005412 0.005928
37 0.003243 0.003676 0.004016 0.004398 0.004863 0.005388 0.005890 0.006367
38 0.003592 0.004075 0.004419 0.004821 0.005305 0.005852 0.006394 0.006847
39 0.003987 0.004507 0.004878 0.005310 0.005823 0.006418 0.007048 0.007539
40 0.004320 0.004897 0.005280 0.005713 0.006245 0.006881 0.007598 0.008177
41 0.004668 0.005296 0.005711 0.006189 0.006774 0.007499 0.008321 0.009108
42 0.005126 0.005812 0.006273 0.006811 0.007454 0.008233 0.009151 0.010133
43 0.005447 0.006217 0.006763 0.007403 0.008129 0.008995 0.010025 0.011201
44 0.005747 0.006616 0.007286 0.008029 0.008871 0.009842 0.010962 0.012264
45 0.006070 0.007046 0.007831 0.008702 0.009679 0.010757 0.011941 0.013329
46 0.006463 0.007497 0.008401 0.009409 0.010530 0.011693 0.012988 0.014499
47 0.006957 0.008017 0.008988 0.010074 0.011248 0.012499 0.013911 0.015442
48 0.007533 0.008598 0.009596 0.010706 0.011962 0.013355 0.014887 0.016505
49 0.008137 0.009218 0.010193 0.011337 0.012713 0.014236 0.015902 0.017665
50 0.008719 0.009801 0.010816 0.012094 0.013628 0.015354 0.017279 0.019314
51 0.009454 0.010600 0.011697 0.013072 0.014731 0.016652 0.018795 0.021055
52 0.010154 0.011423 0.012605 0.014086 0.015899 0.018009 0.020357 0.022828
53 0.010844 0.012213 0.013517 0.015143 0.017114 0.019378 0.021933 0.024644
54 0.011497 0.012995 0.014442 0.016250 0.018361 0.020775 0.023522 0.026374
55 0.012149 0.013791 0.015411 0.017393 0.019662 0.022234 0.025190 0.028121
56 0.012810 0.014626 0.016421 0.018585 0.021031 0.023786 0.026952 0.030194
57 0.013502 0.015514 0.017486 0.019844 0.022491 0.025449 0.028852 0.032469
58 0.014281 0.016468 0.018605 0.021153 0.024017 0.027228 0.030904 0.034780
59 0.015210 0.017507 0.019782 0.022492 0.025604 0.029117 0.033088 0.037230
60 0.016261 0.018630 0.021018 0.023894 0.027261 0.031098 0.035389 0.040078
61 0.017398 0.019826 0.022419 0.025575 0.029351 0.033703 0.038751 0.044166
62 0.018584 0.021114 0.023922 0.027381 0.031587 0.036672 0.042373 0.048587
63 0.019750 0.022408 0.025562 0.029487 0.034517 0.040441 0.047073 0.054571
64 0.020918 0.023730 0.027164 0.031659 0.037262 0.043842 0.051228 0.059762
65 0.022224 0.025215 0.029222 0.034319 0.040661 0.048173 0.056631 0.066392
66 0.023779 0.027131 0.031511 0.037061 0.043968 0.052148 0.061397 0.071754
67 0.025853 0.029483 0.034366 0.040518 0.048145 0.057194 0.067528 0.078984
68 0.028438 0.032357 0.037652 0.044199 0.052258 0.061820 0.072921 0.085082
69 0.031489 0.035738 0.041598 0.048673 0.057299 0.067610 0.079801 0.093581
70 0.034947 0.039537 0.046006 0.053576 0.062754 0.073765 0.087045 0.102837
71 0.037291 0.042160 0.049365 0.057826 0.068074 0.080361 0.095207 0.111877
72 0.039772 0.044913 0.053128 0.062785 0.074461 0.088496 0.105202 0.123410
73 0.042305 0.047743 0.057048 0.067973 0.081203 0.097100 0.115000 0.136731
74 0.044251 0.049907 0.059993 0.071858 0.086224 0.103424 0.123168 0.147011
75 0.045429 0.051181 0.061918 0.074545 0.089816 0.108461 0.129673 0.155297
76 0.046060 0.051857 0.062686 0.075410 0.091555 0.110324 0.131891 0.157919
77 0.046626 0.052453 0.063360 0.076803 0.093213 0.112096 0.133984 0.160398
78 0.048127 0.054101 0.065849 0.079791 0.096802 0.115965 0.138631 0.167419
79 0.050814 0.057557 0.070030 0.084825 0.102857 0.122530 0.147814 0.178664
80 0.053821 0.060941 0.074120 0.089733 0.108173 0.130029 0.157005 0.189882
81 0.057867 0.064376 0.075371 0.091141 0.112908 0.138763 0.166863 0.208871
82 0.061129 0.065463 0.076555 0.095131 0.120491 0.147476 0.183550 0.229758
83 0.062161 0.066491 0.079905 0.101521 0.128057 0.162224 0.201904 0.252733
84 0.063137 0.069400 0.085272 0.107895 0.140863 0.178446 0.222095 0.278007
85 0.065901 0.074062 0.090626 0.118684 0.154949 0.196291 0.244305 0.305808
FEMALE PREFERRED SMOKER
Age/Dur 1 2 3 4 5 6 7 8
------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000930 0.000340 0.000261 0.000204 0.000171 0.000159 0.000141 0.000132
1 0.000340 0.000250 0.000202 0.000166 0.000155 0.000139 0.000131 0.000119
2 0.000247 0.000193 0.000165 0.000151 0.000135 0.000129 0.000117 0.000109
3 0.000192 0.000158 0.000149 0.000132 0.000126 0.000116 0.000108 0.000105
4 0.000156 0.000143 0.000130 0.000122 0.000112 0.000106 0.000104 0.000105
5 0.000141 0.000125 0.000121 0.000110 0.000103 0.000103 0.000104 0.000112
6 0.000124 0.000116 0.000108 0.000101 0.000100 0.000103 0.000111 0.000143
7 0.000115 0.000104 0.000100 0.000097 0.000100 0.000109 0.000141 0.000177
8 0.000103 0.000095 0.000096 0.000097 0.000106 0.000139 0.000175 0.000227
9 0.000095 0.000092 0.000096 0.000104 0.000135 0.000172 0.000224 0.000275
10 0.000091 0.000092 0.000103 0.000132 0.000167 0.000221 0.000271 0.000322
11 0.000091 0.000098 0.000130 0.000163 0.000215 0.000268 0.000318 0.000363
12 0.000098 0.000125 0.000161 0.000210 0.000260 0.000314 0.000359 0.000393
13 0.000124 0.000155 0.000208 0.000254 0.000305 0.000354 0.000388 0.000404
14 0.000153 0.000199 0.000251 0.000298 0.000343 0.000383 0.000399 0.000364
15 0.000236 0.000296 0.000356 0.000401 0.000444 0.000481 0.000684 0.000673
16 0.000286 0.000344 0.000383 0.000412 0.000444 0.000667 0.000668 0.000664
17 0.000336 0.000373 0.000401 0.000419 0.000636 0.000654 0.000655 0.000656
18 0.000352 0.000374 0.000388 0.000439 0.000461 0.000463 0.000459 0.000459
19 0.000343 0.000369 0.000418 0.000427 0.000439 0.000439 0.000439 0.000439
20 0.000326 0.000389 0.000405 0.000409 0.000416 0.000410 0.000419 0.000420
21 0.000342 0.000384 0.000404 0.000405 0.000410 0.000405 0.000423 0.000437
22 0.000332 0.000376 0.000401 0.000403 0.000408 0.000413 0.000427 0.000443
23 0.000330 0.000371 0.000402 0.000404 0.000415 0.000426 0.000442 0.000465
24 0.000322 0.000365 0.000397 0.000410 0.000428 0.000446 0.000464 0.000493
25 0.000319 0.000357 0.000397 0.000417 0.000448 0.000474 0.000498 0.000534
26 0.000309 0.000349 0.000390 0.000417 0.000459 0.000498 0.000528 0.000569
27 0.000316 0.000353 0.000396 0.000435 0.000485 0.000536 0.000578 0.000626
28 0.000331 0.000368 0.000413 0.000458 0.000514 0.000578 0.000626 0.000692
29 0.000351 0.000390 0.000436 0.000487 0.000555 0.000626 0.000692 0.000772
30 0.000379 0.000424 0.000475 0.000527 0.000601 0.000692 0.000766 0.000866
31 0.000400 0.000456 0.000507 0.000569 0.000649 0.000753 0.000846 0.000953
32 0.000414 0.000474 0.000534 0.000599 0.000690 0.000807 0.000916 0.001038
33 0.000415 0.000483 0.000552 0.000632 0.000740 0.000868 0.000992 0.001124
34 0.000409 0.000490 0.000573 0.000668 0.000791 0.000935 0.001068 0.001215
35 0.000414 0.000511 0.000609 0.000725 0.000858 0.001021 0.001164 0.001325
36 0.000420 0.000536 0.000654 0.000785 0.000940 0.001115 0.001278 0.001450
37 0.000440 0.000571 0.000708 0.000858 0.001030 0.001222 0.001396 0.001588
38 0.000479 0.000631 0.000796 0.000964 0.001153 0.001362 0.001555 0.001769
39 0.000529 0.000714 0.000896 0.001079 0.001284 0.001522 0.001730 0.001957
40 0.000578 0.000787 0.000986 0.001189 0.001406 0.001654 0.001876 0.002122
41 0.000626 0.000857 0.001085 0.001301 0.001532 0.001791 0.002022 0.002286
42 0.000685 0.000948 0.001199 0.001436 0.001685 0.001968 0.002221 0.002509
43 0.000731 0.001016 0.001287 0.001535 0.001805 0.002109 0.002374 0.002680
44 0.000775 0.001079 0.001366 0.001636 0.001919 0.002243 0.002527 0.002839
45 0.000820 0.001140 0.001448 0.001742 0.002043 0.002389 0.002684 0.003002
46 0.000861 0.001199 0.001530 0.001852 0.002186 0.002548 0.002854 0.003193
47 0.000900 0.001269 0.001626 0.001977 0.002347 0.002730 0.003052 0.003416
48 0.000937 0.001345 0.001738 0.002115 0.002530 0.002951 0.003298 0.003683
49 0.000976 0.001426 0.001853 0.002265 0.002727 0.003197 0.003578 0.003994
50 0.001014 0.001513 0.001973 0.002421 0.002923 0.003441 0.003866 0.004315
51 0.001076 0.001636 0.002149 0.002639 0.003182 0.003765 0.004237 0.004725
52 0.001142 0.001769 0.002332 0.002858 0.003438 0.004071 0.004582 0.005085
53 0.001213 0.001903 0.002512 0.003069 0.003685 0.004342 0.004860 0.005395
54 0.001293 0.002038 0.002692 0.003281 0.003922 0.004571 0.005103 0.005691
55 0.001376 0.002188 0.002891 0.003504 0.004145 0.004802 0.005359 0.005975
56 0.001477 0.002356 0.003110 0.003738 0.004384 0.005063 0.005640 0.006289
57 0.001601 0.002553 0.003349 0.004004 0.004665 0.005373 0.005977 0.006651
58 0.001746 0.002777 0.003635 0.004333 0.005015 0.005766 0.006396 0.007089
59 0.001908 0.003036 0.003974 0.004711 0.005440 0.006239 0.006893 0.007589
60 0.002089 0.003329 0.004341 0.005126 0.005926 0.006768 0.007438 0.008139
61 0.002303 0.003634 0.004718 0.005569 0.006436 0.007319 0.008007 0.008727
62 0.002539 0.003938 0.005091 0.006028 0.006933 0.007867 0.008583 0.009340
63 0.002797 0.004284 0.005502 0.006487 0.007410 0.008383 0.009129 0.009926
64 0.003081 0.004691 0.005956 0.006946 0.007883 0.008888 0.009654 0.010495
65 0.003392 0.005105 0.006419 0.007396 0.008367 0.009407 0.010206 0.011119
66 0.003718 0.005490 0.006841 0.007833 0.008862 0.009970 0.010841 0.011860
67 0.004069 0.005809 0.007177 0.008246 0.009379 0.010610 0.011604 0.012770
68 0.004438 0.006074 0.007443 0.008628 0.009920 0.011347 0.012539 0.013992
69 0.004827 0.006317 0.007680 0.008986 0.010484 0.012180 0.013721 0.015456
70 0.005227 0.006526 0.007884 0.009316 0.011058 0.013159 0.015057 0.017111
71 0.005599 0.006979 0.008419 0.009927 0.011836 0.014074 0.016087 0.018270
72 0.005988 0.007452 0.008971 0.010628 0.012662 0.015040 0.017181 0.019499
73 0.006385 0.007931 0.009593 0.011354 0.013513 0.016040 0.018307 0.020764
74 0.006686 0.008343 0.010080 0.011919 0.014177 0.016818 0.019182 0.021733
75 0.006907 0.008611 0.010394 0.012284 0.014600 0.017305 0.019718 0.022327
76 0.007049 0.008778 0.010589 0.012507 0.014852 0.017588 0.020028 0.022660
77 0.007179 0.008934 0.010772 0.012712 0.015081 0.017847 0.020308 0.022955
78 0.007457 0.009274 0.011173 0.013172 0.015616 0.018467 0.020993 0.023712
79 0.007923 0.009847 0.011851 0.013962 0.016540 0.019542 0.022199 0.025055
80 0.008376 0.010398 0.012506 0.014723 0.017426 0.020573 0.023352 0.026337
81 0.009053 0.011446 0.013472 0.016194 0.019149 0.022323 0.025687 0.029103
82 0.009965 0.012329 0.014817 0.017795 0.020778 0.024555 0.028384 0.031236
83 0.010734 0.013561 0.016283 0.019309 0.022855 0.027133 0.030465 0.032956
84 0.011806 0.014902 0.017667 0.021239 0.025255 0.029122 0.032143 0.033501
85 0.012974 0.016170 0.019434 0.023469 0.027107 0.030726 0.032674 0.034015
FEMALE PREFERRED SMOKER
Age/Dur 9 10 11 12 13 14 15 Ult
------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000120 0.000112 0.000108 0.000108 0.000115 0.000146 0.000181 0.000233
1 0.000110 0.000108 0.000108 0.000115 0.000146 0.000181 0.000233 0.000282
2 0.000106 0.000108 0.000115 0.000146 0.000181 0.000233 0.000282 0.000331
3 0.000106 0.000115 0.000146 0.000181 0.000233 0.000282 0.000331 0.000372
4 0.000113 0.000146 0.000181 0.000233 0.000282 0.000331 0.000372 0.000403
5 0.000144 0.000181 0.000233 0.000282 0.000331 0.000372 0.000403 0.000414
6 0.000179 0.000233 0.000282 0.000331 0.000372 0.000403 0.000414 0.000358
7 0.000230 0.000282 0.000331 0.000372 0.000403 0.000414 0.000361 0.000344
8 0.000278 0.000331 0.000372 0.000403 0.000414 0.000364 0.000347 0.000333
9 0.000326 0.000372 0.000403 0.000414 0.000367 0.000349 0.000335 0.000326
10 0.000368 0.000403 0.000414 0.000369 0.000352 0.000338 0.000328 0.000315
11 0.000398 0.000414 0.000372 0.000355 0.000341 0.000331 0.000318 0.000308
12 0.000409 0.000375 0.000357 0.000343 0.000333 0.000320 0.000311 0.000295
13 0.000370 0.000360 0.000345 0.000336 0.000322 0.000313 0.000298 0.000304
14 0.000355 0.000349 0.000338 0.000326 0.000315 0.000300 0.000306 0.000309
15 0.000669 0.000664 0.000659 0.000654 0.000638 0.000673 0.000703 0.000743
16 0.000659 0.000661 0.000649 0.000640 0.000675 0.000706 0.000745 0.000785
17 0.000656 0.000657 0.000646 0.000681 0.000711 0.000749 0.000788 0.000807
18 0.000460 0.000462 0.000470 0.000512 0.000558 0.000605 0.000642 0.000675
19 0.000445 0.000457 0.000470 0.000523 0.000573 0.000624 0.000655 0.000707
20 0.000435 0.000457 0.000475 0.000533 0.000582 0.000641 0.000697 0.000748
21 0.000462 0.000494 0.000524 0.000575 0.000630 0.000691 0.000762 0.000824
22 0.000475 0.000514 0.000554 0.000604 0.000670 0.000747 0.000836 0.000920
23 0.000499 0.000544 0.000593 0.000646 0.000727 0.000818 0.000910 0.001018
24 0.000534 0.000586 0.000652 0.000711 0.000811 0.000922 0.001031 0.001157
25 0.000581 0.000640 0.000719 0.000803 0.000924 0.001054 0.001176 0.001320
26 0.000622 0.000693 0.000785 0.000895 0.001022 0.001172 0.001319 0.001468
27 0.000692 0.000778 0.000883 0.001006 0.001151 0.001317 0.001479 0.001628
28 0.000772 0.000872 0.000985 0.001120 0.001278 0.001464 0.001636 0.001809
29 0.000866 0.000987 0.001112 0.001255 0.001426 0.001616 0.001807 0.002012
30 0.000981 0.001116 0.001255 0.001411 0.001586 0.001790 0.002000 0.002237
31 0.001092 0.001240 0.001393 0.001561 0.001753 0.001979 0.002210 0.002469
32 0.001187 0.001351 0.001513 0.001700 0.001910 0.002151 0.002398 0.002688
33 0.001282 0.001457 0.001643 0.001854 0.002098 0.002371 0.002662 0.002999
34 0.001378 0.001562 0.001777 0.002015 0.002297 0.002619 0.002955 0.003366
35 0.001506 0.001700 0.001934 0.002192 0.002507 0.002866 0.003239 0.003706
36 0.001641 0.001848 0.002096 0.002381 0.002732 0.003132 0.003549 0.004031
37 0.001792 0.002007 0.002275 0.002585 0.002965 0.003407 0.003862 0.004330
38 0.001985 0.002225 0.002504 0.002834 0.003234 0.003700 0.004193 0.004656
39 0.002203 0.002461 0.002764 0.003120 0.003550 0.004058 0.004622 0.005127
40 0.002387 0.002674 0.002991 0.003358 0.003807 0.004351 0.004982 0.005561
41 0.002579 0.002892 0.003236 0.003637 0.004130 0.004742 0.005457 0.006194
42 0.002832 0.003173 0.003554 0.004003 0.004544 0.005206 0.006001 0.006891
43 0.003010 0.003395 0.003831 0.004351 0.004956 0.005687 0.006574 0.007617
44 0.003175 0.003612 0.004127 0.004719 0.005408 0.006223 0.007188 0.008340
45 0.003354 0.003847 0.004436 0.005114 0.005900 0.006802 0.007830 0.009064
46 0.003571 0.004094 0.004759 0.005530 0.006419 0.007393 0.008517 0.009860
47 0.003844 0.004377 0.005092 0.005921 0.006857 0.007903 0.009122 0.010502
48 0.004161 0.004694 0.005436 0.006292 0.007293 0.008445 0.009762 0.011225
49 0.004496 0.005033 0.005774 0.006663 0.007750 0.009002 0.010428 0.012014
50 0.004817 0.005351 0.006128 0.007108 0.008308 0.009709 0.011330 0.013135
51 0.005223 0.005788 0.006627 0.007683 0.008981 0.010529 0.012225 0.014319
52 0.005610 0.006237 0.007141 0.008279 0.009693 0.011387 0.013349 0.015525
53 0.005991 0.006669 0.007657 0.008900 0.010433 0.012253 0.014383 0.016760
54 0.006352 0.007095 0.008182 0.009550 0.011193 0.013136 0.015425 0.017936
55 0.006712 0.007530 0.008731 0.010222 0.011987 0.014058 0.016519 0.019125
56 0.007077 0.007986 0.009303 0.010923 0.012821 0.015040 0.017675 0.020534
57 0.007460 0.008471 0.009906 0.011662 0.013711 0.016091 0.018920 0.022081
58 0.007890 0.008992 0.010540 0.012432 0.014642 0.017216 0.020266 0.023653
59 0.008403 0.009559 0.011207 0.013219 0.015609 0.018410 0.021698 0.025319
60 0.008984 0.010172 0.011907 0.014043 0.016620 0.019664 0.023207 0.027256
61 0.009612 0.010825 0.012701 0.015031 0.017893 0.021310 0.025411 0.030036
62 0.010267 0.011528 0.013552 0.016092 0.019256 0.023188 0.027787 0.033043
63 0.010911 0.012235 0.014481 0.017330 0.021043 0.025571 0.030869 0.037112
64 0.011557 0.012957 0.015389 0.018606 0.022716 0.027722 0.033594 0.040642
65 0.012278 0.013767 0.016555 0.020170 0.024788 0.030459 0.037137 0.045151
66 0.013137 0.014814 0.017852 0.021782 0.026804 0.032973 0.040262 0.048798
67 0.014283 0.016098 0.019469 0.023814 0.029351 0.036164 0.044283 0.053715
68 0.015711 0.017667 0.021331 0.025976 0.031858 0.039090 0.047819 0.057862
69 0.017397 0.019513 0.023566 0.028606 0.034931 0.042750 0.052331 0.063642
70 0.019307 0.021588 0.026063 0.031488 0.038257 0.046642 0.057081 0.069936
71 0.020602 0.023020 0.027966 0.033985 0.041501 0.050812 0.062434 0.075884
72 0.021973 0.024523 0.030098 0.036899 0.045394 0.055956 0.069161 0.083471
73 0.023372 0.026068 0.032319 0.039949 0.049504 0.061396 0.075477 0.092236
74 0.024448 0.027250 0.033988 0.042233 0.052565 0.065437 0.080858 0.098999
75 0.025098 0.027946 0.035078 0.043811 0.054755 0.068976 0.084785 0.104450
76 0.025447 0.028314 0.035513 0.044320 0.055815 0.070240 0.086193 0.106175
77 0.025760 0.028640 0.035895 0.045139 0.056826 0.071324 0.087520 0.107806
78 0.026589 0.029540 0.037305 0.046894 0.059014 0.073690 0.090468 0.112425
79 0.028073 0.031427 0.039674 0.049853 0.062706 0.077706 0.096294 0.119823
80 0.029734 0.033274 0.041990 0.052738 0.066307 0.082293 0.102124 0.127204
81 0.031914 0.035106 0.042683 0.053548 0.069148 0.087708 0.108415 0.139924
82 0.033671 0.035686 0.043339 0.055842 0.073698 0.093111 0.119256 0.153916
83 0.034227 0.036234 0.045196 0.059517 0.078238 0.102422 0.131181 0.169308
84 0.034753 0.037787 0.048170 0.063183 0.086061 0.112664 0.144300 0.186239
85 0.036242 0.040273 0.051137 0.069501 0.094667 0.123930 0.158730 0.204863
EXHIBIT 11
PLAN DESCRIPTION
GE Protection Plus is a Flexible Premium Variable Universal Life Product.
[LOGO] Canada Life
EXHIBIT 12
CONDITIONAL RECEIPT AND/OR
TEMPORARY INSURANCE AGREEMENT
[LOGO] Canada Life
Conditional Receipt (From GE Life and Annuity Assurance Company) CR NO.
This receipt should not be removed unless given to applicant for a payment made
on the date of the application.
--------------------------------------------------------------------------------
NOTICE TO THE PROPOSED INSURED
All premium checks should be made payable to GE life and Annuity Assurance
Company.
Please notify the Company if you do not receive your policy or if a
refund of your money is not made within six weeks from the date of this receipt.
This receipt shall be void if the premium payment was made by check or draft and
the bank does not honor it upon presentation.
.. Not valid for more than the following amounts:
. $1,000,000* benefits per Proposed Insured for any Proposed Insured
whose age nearest birthday is 70 or less.
(*$500,000 in California, Colorado, Hawaii, Idaho, Indiana, Kansas,
Nevada, New Jersey, North Dakota, Ohio, Pennsylvania, Tennessee and
Utah).
. $250,000 benefits per Proposed Insured for any Proposed Insured whose
age nearest birthday is 71 through 75.
. Total benefits in excess of $1,500,000 on any Proposed Insured
(including any and all insurance previously issued or applied for with
this company).
.. Not Valid for Substandard Risks.
.. No Insurance Will Become Effective Prior to Policy Delivery Unless Each
Condition Specified Below is Satisfied.
.. No Person is Authorized to Change or Waive any of These Conditions.
ALL PREMIUM CHECKS MUST BE MADE PAYABLE TO GE LIFE AND
ANNUITY ASSURANCE COMPANY.
DO NOT MAKE THE CHECK PAYABLE TO THE AGENT OR LEAVE THE PAYEE BLANK.
I have received $10,000 from Xxxx & ________ in connection with an application
for life insurance bearing the same number as this receipt. If each of the
following three conditions is satisfied fully, then, despite any language to the
contrary in the application for Insurance and subject to the Maximum Amount
Limitation, insurance as provided by the terms and conditions of the policy
applied for will become effective on the Effective Date.
1. The payment must be made no later than the application date and must equal
the minimum initial premium required for the plan(s) and amount(s) of insurance
applied for and the mode of premium payment selected; and
2. All medical examinations and tests required by the Company must be completed
and the reports of those medical examinations and tests must be received at the
Company's Home Office within 60 days after the date of this receipt; and
3. All persons proposed for insurance must be on the Effective Date, as defined
below, insurable at standard premium rates for the plan(s) and amount(s) of
insurance requested in the application; "Effective Date" means the latest of
(a) the date of completion of the application, (b) the date of completion of all
medical exams and tests required by the Company or (c) if the applicant requests
a policy date which is later than the date of this receipt, the policy date
requested by the applicant
Maximum Amount Limitation: Under this receipt the maximum amount of insurance is
limited to the amount specified above.
Refund of Payment: If one or more of the above conditions 1, 2 or 3 have not
been satisfied fully, the Company's liability is limited to a refund of the
amount paid. That refund will be made to Premium Payor.
Dated at Anytown, USA on 3/15/00 Xxxx Xxxxx
City, state Month, day, year Illegible
THIS RECEIPT SHALL BE VOID IF ALTERED OR MODIFIED. THIS RECEIPT SHALL BE VOID
AFTER 98 DAYS FROM THE DATE IT IS SIGNED. THESE NOTICES MUST ALWAYS BE GIVEN TO
THE PROPOSED INSURED/OWNER/APPLICANT
INVESTIGATIVE CONSUMER REPORT NOTICE
In compliance with federal and state laws, this is to inform you that as part of
our procedure for processing your insurance application, an investigative
consumer report may be prepared. The information for the report is obtained
through personal interviews with your neighbors, friends, or others with whom
you are acquainted. The report includes information as to your character,
general reputation, personal characteristics and mode of living. You may request
to be interviewed for the consumer report. You may, upon written request, be
informed whether or not the report was ordered, and if so, the name and address
of the consumer reporting agency which made the report. Upon proper
identification, you have the right to inspect and/or receive a copy of the
report from the consumer reporting agency. You have the right to make a written
request to us within a reasonable period of time to receive additional detailed
information about the nature and scope of the investigation. Write to:
Underwriting Department, GE Life and Annuity Assurance Company, 0000 Xxxx Xxxxx
Xxxxxx, Xxxxxxxx, Xxxxxxxx 00000.
MEDICAL INFORMATION BUREAU DISCLOSURE NOTICE
The information given in your application may be made available to other
insurance companies to which you make application for life or health insurance
coverage or to which a claim is submitted.
The information you provide will be treated as confidential except that GE Life
and Annuity Assurance Company or its reinsurers may, however, make a brief
report to the Medical Information Bureau (MIB), a nonprofit membership
organization of life insurance companies which operates an information exchange
on behalf of its members. Upon request by another insurance company member to
which you have applied for life or health insurance coverage and to which a
claim is submitted, the MIB will supply such company with the information it may
have in its files.
Upon receipt of a request from you, the MIB will arrange disclosure of any
information it may have in your file (medical information will be disclosed only
to your attending physician). If you question the accuracy of information in the
MIB's file, you may contact the MIB and seek a correction in accordance with the
procedures set forth in the Federal Fair Credit Reporting Act. The address of
the MIB's information office is Xxx 000, Xxxxx Xxxxxxx, Xxxxxx, Xxxxxxxxxxxxx
00000, telephone number (000) 000-0000. GE Life and Annuity Assurance Company or
its reinsurers may also release information in its files to other life insurance
companies to which you may apply for life or health insurance, or to which a
claim for benefits may be submitted.
NOTICE OF INSURANCE INFORMATION PRACTICES
GIVE THIS NOTICE TO THE PROPOSED INSURED/OWNER/APPLICANT IN THE STATES OF
ARIZONA, CALIFORNIA, CONNECTICUT, GEORGIA, ILLINOIS, KANSAS, MASSACHUSETTS,
MINNESOTA, MONTANA, NEVADA, NEW JERSEY, NORTH CAROLINA, OREGON & VIRGINIA.
1. Personal information may be collected from persons other than the
individual or individuals proposed for coverage.
2. Such information, as well as other personal or privileged information
subsequently collected, may be disclosed to third parties in certain
circumstances, without authorization.
3. A right of access and correction exists with respect to all personal
information collected.
4. A more complete notice describing our information practices in detail
will be furnished to you upon request.
