AMENDMENT NO. 7
---------------
The Facultative YRT Reinsurance Agreement (No. FYN-SA 0024) of January 1, 1992
between ERC LIFE REINSURANCE CORPORATION of Overland Park, Kansas and CUNA
MUTUAL LIFE INSURANCE COMPANY of Waverly, Iowa is hereby amended as follows:
Effective November 1,1999, the provisions of this Agreement are extended to
include reinsurance of the "Members VUL II" Variable Universal Life plan (Form
No. 99-VUL).
Schedule C - Reinsurance Premiums is hereby replaced in its entirety by the
attached
Schedule C - Reinsurance Premiums - Amended, reflecting the addition of this
Plan.
Schedule C - Reinsurance Premiums is further amended by the addition of the
Society of Actuaries 1975-80 Basic Mortality Table.
In all other respects not inconsistent herewith, said Agreement shall remain
unchanged.
IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed
in duplicate.
CUNA MUTUAL LIFE INSURANCE ERC LIFE REINSURANCE
COMPANY CORPORATION
By: /s/ Xxxxxxx X. Xxxxx By: /s/ Xxxxxxx X. Xxxxx
----------------------------- -----------------------------------
Title: AVP, Life & Health Products Title: Vice President
----------------------------- --------------------------------
Date: December 18, 2000 Date: October 23, 2000
------------------------------ ---------------------------------
SCHEDULE C - AMENDED
--------------------
REINSURANCE PREMIUMS
--------------------
(Effective November 1, 1999 - Amendment No. 7)
Plans Reinsured
---------------
FLEXIBLE PREMIUM ADJUSTABLE LIFE (UL2000) AND (UL2000EB)
FLEXIBLE PREMIUM VARIABLE ADJUSTABLE LIFE (VUL2000) AND (VUL200QEB)
"MEMBERS VUL II" VARIABLE UNIVERSAL LIFE (99-VUL)
DISABILITY WAIVER OF PREMIUM
ACCIDENTAL DEATH BENEFIT
GUARANTEED PURCHASE OPTION
AUTOMATIC INCREASE RIDER
Life Reinsurance
----------------
FLEXIBLE PREMIUM ADJUSTABLE LIFE (UL2000)
FLEXIBLE PREMIUM VARIABLE ADJUSTABLE LIFE (VUL2000)
---------------------------------------------------
YRT premium rates, either standard or percentage extra ratings, are the
following percentages of the current cost of insurance rates for the Flexible
Premium Adjustable Life (UL2000) and the Flexible Premium Variable Adjustable
Life (VUL2000) attached to this Schedule.
Year Non-Smoker Smoker
---- ---------- ------
1 Zero Zero
2-10 57% 57%
11 + 90% 90%
FLEXIBLE PREMIUM ADJUSTABLE LIFE (UL2000EB)
FLEXIBLE PREMIUM VARIABLE ADJUSTABLE LIFE (VUL2000EB)
-----------------------------------------------------
YRT premium rates, either standard or percentage extra ratings, are the
following percentages of the current cost of insurance rates for the Flexible
Premium Adjustable Life (UL2000EB) and the Flexible Premium Variable
Adjustable Life (VUL2000EB) attached to this Schedule.
Year Non-Smoker Smoker
---- ---------- ------
1 Zero Zero
2-10 61% 61%
11 + 94% 94%
"MEMBERS VUL II" VARIABLE UNIVERSAL LIFE (99-VUL)
-------------------------------------------------
YRT premium rates, either standard or percentage extra ratings, are
the following percentages of the Society of Actuaries 1975-80 Age Nearest
Birthday Basic Mortality Table attached to this Schedule.
Preferred NT Standard NT Preferred Tobacco Tobacco
------------ ----------- ----------------- -------
52% 73% 111% 134%
SCHEDULE C - AMENDED - (CONTINUED)
----------------------------------
REINSURANCE PREMIUMS
--------------------
(Effective November 1, 1999 - Amendment No. 7)
AUTOMATIC INCREASE RIDER
------------------------
YRT reinsurance premium rates for automatic increases to either the Flexible
Premium Adjustable Life (UL2000) or the Flexible Premium Variable Adjustable
Life (VUL2000) are the following percentages of the current cost of insurance
rates used for the base plan attached to this Schedule, calculated for the
attained age and duration from the original policy date (i.e. "point-in'
scale").
Year Non-Smoker Smoker
---- ---------- ------
1 Zero Zero
2-10 64% 64%
11 + 90% 90%
YRT reinsurance premium rates for automatic increases to either the Flexible
Premium Adjustable Life (UL2000EB) or the Flexible Premium Variable Adjustable
Life (VUL2000EB) are the following percentages of the current cost of insurance
rates used for the base plan attached to this Schedule, calculated for the
attained age and duration from the original policy date (i.e. "point-in'
scale").
Year Non-Smoker Smoker
---- ---------- ------
1 Zero Zero
2-10 68% 68%
11 + 94% 94%
GUARANTEED PURCHASE OPTION
--------------------------
The reinsurance premiums for this option will be the rates used for the base
plan, calculated for the attained age and duration from the original policy
issue date (i.e. "point-in-scale") applied to the amount of the increase at the
exercise of the option plus the appropriate single premium per $1,000 from the
guaranteed insurability rider single premiums attached to this schedule,
calculated for the option age.
The total life reinsurance premium on standard cessions and on those substandard
cessions with a percentage rating consists of the appropriate rate per $1,000
applied to the amount of risk. On substandard cessions involving flat extra
premiums payable for six years or more, the reinsurance flat extra premium is
25% in the first year and 90% in renewal years of the reinsured portion of the
gross flat extra premium charged on the original policy. When the flat extra
premium is payable for five years or less, the reinsurance flat extra premium is
100% in the first year and 90% in renewal years of the reinsured portion of the
gross flat extra premium charged on the original policy in all years.
Reinsurance premiums on substandard risks will revert to the standard risk basis
on the policy anniversary on which the insured attains age 65 or on the
twentieth policy anniversary, whichever is later.
SCHEDULE C - AMENDED - (CONTINUED)
----------------------------------
REINSURANCE PREMIUMS
--------------------
(Effective November 1,1999 - Amendment No. 7)
Disability Waiver of Premium
----------------------------
In the first policy year, the reinsurance premiums will be 25% and in renewal
policy years the reinsurance premiums will be 90% of the reinsured portion of
the gross disability premium charged on the original policy.
Accidental Death Benefit
------------------------
In the first policy year, the reinsurance premiums will be 25% and in renewal
policy years, the reinsurance premiums will be 90% of the reinsured portion
of the gross Accidental Death Benefit premium charged on the original policy.
Interim Insurance
-----------------
Premiums for interim term insurance are calculated at the second policy year
rate for the insured's age at the beginning of the interim period. The
premium for the first full policy year will be calculated at the first year
rate for the insured's age at the beginning of the policy year.
Term Renewals and Term Conversions
----------------------------------
Term renewals and term conversions are considered as continuations of the
original insurance for the purpose of determining the duration and
appropriate premiums thereon.
Term Reversions and Exchanges
-----------------------------
Term reversions and exchanges which are subject to underwriting commensurate
with underwriting for new issues are considered as new insurance for the
purpose of determining the duration and appropriate premiums thereon. Term
reversions and exchanges which are subject to no underwriting are considered
as continuations of the original insurance for the purpose of determining the
duration and appropriate premiums thereon. Term reversions and exchanges
subject to limited underwriting will be handled on a mutually agreeable basis
at the time of occurrence.
1975-80 BASIC SELECT AND ULTIMATE MORTALITY TABLES - MALE ANB
-------------------------------------------------------------------------------------------
Age/Dur 1 2 3 4 5 6 7 8 9
-------------------------------------------------------------------------------------------
0 1.23 0.74 0.48 0.43 0.38 0.34 0.33 0.29 0.27
-------------------------------------------------------------------------------------------
1 0.49 0.47 0.42 0.36 0.28 0.23 0.22 0.22 0.24
-------------------------------------------------------------------------------------------
2 0.35 0.37 0.33 0.28 0.23 0.22 0.21 0.24 0.24
-------------------------------------------------------------------------------------------
3 0.35 0.29 0.25 0.23 0.22 0.20 0.22 0.24 0.27
-------------------------------------------------------------------------------------------
4 0.29 0.25 0.23 0.22 0.20 0.22 0.24 0.27 0.30
-------------------------------------------------------------------------------------------
5 0.25 0.23 0.22 0.20 0.22 0.24 0.27 0.30 0.36
-------------------------------------------------------------------------------------------
6 0.23 0.22 0.20 0.22 0.24 0.27 0.30 0.36 0.50
-------------------------------------------------------------------------------------------
7 0.19 0.20 0.22 0.24 0.27 0.30 0.35 0.50 0.66
-------------------------------------------------------------------------------------------
8 0.18 0.21 0.21 0.27 0.29 0.35 0.50 0.66 0.87
-------------------------------------------------------------------------------------------
9 0.19 0.20 0.24 0.29 0.35 0.50 0.66 0.87 1.05
-------------------------------------------------------------------------------------------
10 0.18 0.22 0.27 0.35 0.50 0.66 0.87 1.05 1.13
-------------------------------------------------------------------------------------------
11 0.20 0.25 0.34 0.50 0.66 0.87 1.05 1.13 1.19
-------------------------------------------------------------------------------------------
12 0.23 0.32 0.50 0.66 0.87 1.05 1.13 1.19 1.23
-------------------------------------------------------------------------------------------
13 0.30 0.46 0.63 0.87 1.05 1.12 1.19 1.22 1.24
-------------------------------------------------------------------------------------------
14 0.44 0.59 0.87 1.05 1.12 1.17 1.22 1.23 1.23
-------------------------------------------------------------------------------------------
15 0.58 0.87 1.05 1.12 1.17 1.21 1.23 1.22 1.20
-------------------------------------------------------------------------------------------
16 0.87 1.05 1.12 1.17 1.21 1.20 1.21 1.19 1.16
-------------------------------------------------------------------------------------------
17 1.05 1.12 1.17 1.21 1.2 1.18 1.18 1.15 1.11
-------------------------------------------------------------------------------------------
18 1.03 1.10 1.13 1.15 1.14 1.11 1.11 1.07 1.04
-------------------------------------------------------------------------------------------
19 1.00 1.05 1.06 1.07 1.05 1.04 1.02 0.98 0.96
-------------------------------------------------------------------------------------------
20 0.93 0.97 0.97 0.97 0.97 0.95 0.93 0.90 0.90
-------------------------------------------------------------------------------------------
21 0.84 0.87 0.87 0.87 0.87 0.86 0.85 0.83 0.85
-------------------------------------------------------------------------------------------
22 0.73 0.76 0.76 0.76 0.77 0.77 0.77 0.77 0.80
-------------------------------------------------------------------------------------------
23 0.73 0.76 0.75 0.75 0.75 0.76 0.77 0.77 0.80
-------------------------------------------------------------------------------------------
24 0.73 0.74 0.73 0.73 0.74 0.76 0.77 0.78 0.82
-------------------------------------------------------------------------------------------
25 0.72 0.72 0.72 0.72 0.74 0.76 0.77 0.79 0.84
-------------------------------------------------------------------------------------------
26 0.70 0.70 0.71 0.72 0.73 0.76 0.78 0.82 0.88
-------------------------------------------------------------------------------------------
27 0.68 0.68 0.70 0.71 0.73 0.77 0.81 0.86 0.92
-------------------------------------------------------------------------------------------
28 0.66 0.68 0.71 0.73 0.76 0.81 0.86 0.92 1.00
-------------------------------------------------------------------------------------------
29 0.65 0.68 0.73 0.76 0.81 0.86 0.92 1.00 1.08
-------------------------------------------------------------------------------------------
30 0.64 0.68 0.76 0.81 0.86 0.92 1.00 1.08 1.17
-------------------------------------------------------------------------------------------
31 0.63 0.69 0.79 0.86 0.92 1.00 1.08 1.17 1.28
-------------------------------------------------------------------------------------------
32 0.63 0.71 0.84 0.92 1.00 1.08 1.17 1.28 1.40
-------------------------------------------------------------------------------------------
33 0.63 0.72 0.88 0.98 1.08 1.17 1.28 1.40 1.58
-------------------------------------------------------------------------------------------
34 0.63 0.73 0.93 1.05 1.17 1.28 1.40 1.58 1.78
-------------------------------------------------------------------------------------------
35 0.63 0.76 0.99 1.14 1.28 1.40 1.58 1.78 2.01
-------------------------------------------------------------------------------------------
36 0.65 0.79 1.06 1.25 1.40 1.58 1.78 2.01 2.24
-------------------------------------------------------------------------------------------
37 0.67 0.84 1.15 1.37 1.58 1.78 2.01 2.24 2.53
-------------------------------------------------------------------------------------------
38 0.70 0.89 1.23 1.47 1.70 1.91 2.16 2.41 2.72
-------------------------------------------------------------------------------------------
39 0.74 0.95 1.33 1.59 1.83 2.07 2.33 2.60 2.93
-------------------------------------------------------------------------------------------
40 0.79 1.02 1.45 1.73 2.00 2.23 2.51 2.79 3.13
-------------------------------------------------------------------------------------------
41 0.85 1.11 1.59 1.90 2.17 2.42 2.70 2.98 3.33
-------------------------------------------------------------------------------------------
42 0.92 1.22 1.76 2.09 2.37 2.62 2.89 3.18 3.52
-------------------------------------------------------------------------------------------
43 0.99 1.37 1.92 2.30 2.61 2.88 3.18 3.47 3.83
-------------------------------------------------------------------------------------------
44 1.08 1.53 2.11 2.52 2.86 3.17 3.47 3.79 4.17
-------------------------------------------------------------------------------------------
45 1.17 1.72 2.31 2.75 3.13 3.47 3.79 4.14 4.56
-------------------------------------------------------------------------------------------
1975-80 BASIC SELECT AND ULTIMATE MORTALITY TABLES - MALE ANB
-------------------------------------------------------------------------------------------
Age/Dur 1 2 3 4 5 6 7 8 9
-------------------------------------------------------------------------------------------
46 1.28 1.94 2.51 3.00 3.40 3.78 4.14 4.56 4.91
-------------------------------------------------------------------------------------------
47 1.39 2.17 2.73 3.25 3.69 4.13 4.56 4.89 5.31
-------------------------------------------------------------------------------------------
48 1.49 2.27 2.84 3.40 3.90 4.38 4.87 5.28 5.80
-------------------------------------------------------------------------------------------
49 1.60 2.35 2.95 3.54 4.09 4.62 5.18 5.70 6.33
-------------------------------------------------------------------------------------------
50 1.70 2.42 3.04 3.66 4.29 4.87 5.51 6.15 6.93
-------------------------------------------------------------------------------------------
51 1.80 2.48 3.12 3.77 4.47 5.12 5.86 6.65 7.59
-------------------------------------------------------------------------------------------
52 1.90 2.52 3.17 3.85 4.65 5.38 6.23 7.20 8.32
-------------------------------------------------------------------------------------------
53 2.06 2.75 3.46 4.23 5.08 5.90 6.84 7.89 9.11
-------------------------------------------------------------------------------------------
54 2.23 2.99 3.78 4.64 5.57 6.47 7.52 8.66 9.96
-------------------------------------------------------------------------------------------
55 2.41 3.27 4.12 5.10 6.11 7.11 8.27 9.50 10.86
-------------------------------------------------------------------------------------------
56 2.61 3.56 4.51 5.61 6.71 7.83 9.09 10.38 11.83
-------------------------------------------------------------------------------------------
57 2.82 3.89 4.94 6.18 7.38 8.60 9.96 11.33 12.87
-------------------------------------------------------------------------------------------
58 2.96 4.13 5.44 6.74 8.10 9.20 10.59 12.05 13.66
-------------------------------------------------------------------------------------------
59 3.10 4.37 6.00 7.34 8.87 9.82 11.23 12.79 14.47
-------------------------------------------------------------------------------------------
60 3.23 4.63 6.61 7.97 9.71 10.46 11.89 13.57 15.32
-------------------------------------------------------------------------------------------
61 3.37 4.89 7.26 8.64 10.46 11.59 12.58 14.38 16.18
-------------------------------------------------------------------------------------------
62 3.50 5.14 7.97 9.36 11.59 11.83 13.29 15.21 17.05
-------------------------------------------------------------------------------------------
63 3.89 5.77 8.74 10.48 11.83 13.29 15.21 17.05 20.11
-------------------------------------------------------------------------------------------
64 4.32 6.47 9.57 11.73 13.29 15.21 17.05 20.11 22.42
-------------------------------------------------------------------------------------------
65 4.80 7.26 10.50 13.13 15.21 17.05 20.11 22.42 25.79
-------------------------------------------------------------------------------------------
66 5.32 8.14 11.51 14.69 17.05 20.11 22.42 25.79 28.69
-------------------------------------------------------------------------------------------
67 5.91 9.12 12.62 16.42 20.11 22.42 25.79 28.69 32.93
-------------------------------------------------------------------------------------------
68 6.51 10.04 13.89 18.04 22.04 24.54 28.23 31.44 34.47
-------------------------------------------------------------------------------------------
69 7.17 11.05 15.25 19.76 24.12 26.87 30.94 34.47 37.82
-------------------------------------------------------------------------------------------
70 7.89 12.14 16.72 21.64 26.41 29.44 33.92 37.82 41.49
-------------------------------------------------------------------------------------------
71 9.53 14.60 19.60 24.97 29.44 34.32 41.78 48.80 57.45
-------------------------------------------------------------------------------------------
72 11.40 16.64 22.87 28.77 34.15 39.89 48.34 56.16 65.58
-------------------------------------------------------------------------------------------
73 13.52 19.13 26.61 33.20 39.52 46.21 55.72 64.40 74.61
-------------------------------------------------------------------------------------------
74 15.94 22.46 30.70 38.25 45.60 53.35 64.01 73.58 84.52
-------------------------------------------------------------------------------------------
75 18.71 26.26 35.35 43.95 52.45 61.35 73.23 83.67 95.39
-------------------------------------------------------------------------------------------
76 21.88 30.62 40.61 50.35 60.12 70.26 83.39 94.78 107.62
-------------------------------------------------------------------------------------------
77 25.51 34.90 46.52 57.51 68.66 80.09 94.57 107.29 121.31
-------------------------------------------------------------------------------------------
78 29.63 40.42 53.12 65.47 78.04 90.90 107.18 121.31 132.05
-------------------------------------------------------------------------------------------
79 34.65 46.62 60.45 74.20 88.36 103.10 121.31 132.05 143.63
-------------------------------------------------------------------------------------------
80 40.30 53.54 68.50 83.78 99.99 116.79 132.05 143.63 156.05
-------------------------------------------------------------------------------------------
81 46.63 61.18 77.33 94.56 113.02 132.05 143.63 156.05 169.12
-------------------------------------------------------------------------------------------
82 53.65 69.60 87.27 106.64 127.54 143.63 156.05 169.12 182.61
-------------------------------------------------------------------------------------------
83 61.41 79.10 98.40 120.07 143.63 156.05 169.12 182.61 196.52
-------------------------------------------------------------------------------------------
84 72.42 89.77 110.78 134.94 156.05 169.12 182.61 196.52 210.85
-------------------------------------------------------------------------------------------
85 84.92 104.32 124.48 151.33 169.12 182.61 196.52 210.85 225.60
-------------------------------------------------------------------------------------------
86 99.04 117.78 139.58 169.12 182.61 196.52 210.85 225.60 240.77
-------------------------------------------------------------------------------------------
87 114.90 134.20 155.97 182.61 196.52 210.85 225.60 240.77 256.36
-------------------------------------------------------------------------------------------
88 132.64 152.21 173.48 196.52 210.85 225.60 240.77 256.36 272.37
-------------------------------------------------------------------------------------------
89 143.75 164.35 186.69 210.85 225.60 240.77 256.36 272.37 288.80
-------------------------------------------------------------------------------------------
90 155.22 176.87 200.31 225.60 240.77 256.36 272.37 288.80 305.65
-------------------------------------------------------------------------------------------
1975-80 BASIC SELECT AND ULTIMATE MORTALITY TABLES - MALE ANB
-------------------------------------------------------------------------------------------
Ultimate
Age/Dur 10 11 12 13 14 15 Rate Age
-------------------------------------------------------------------------------------------
0 0.27 0.25 0.28 0.31 0.38 0.54 0.68 15
-------------------------------------------------------------------------------------------
1 0.24 0.27 0.30 0.38 0.54 0.68 1.01 16
-------------------------------------------------------------------------------------------
2 0.27 0.30 0.37 0.54 0.68 1.01 1.14 17
-------------------------------------------------------------------------------------------
3 0.30 0.37 0.53 0.68 1.01 1.14 1.22 18
-------------------------------------------------------------------------------------------
4 0.36 0.52 0.66 0.99 1.11 1.22 1.31 19
-------------------------------------------------------------------------------------------
5 0.50 0.66 0.96 1.09 1.16 1.31 1.37 20
-------------------------------------------------------------------------------------------
6 0.66 0.94 1.07 1.14 1.21 1.37 1.40 21
-------------------------------------------------------------------------------------------
7 0.87 1.05 1.13 1.19 1.23 1.40 1.41 22
-------------------------------------------------------------------------------------------
8 1.05 1.13 1.19 1.23 1.30 1.39 1.40 23
-------------------------------------------------------------------------------------------
9 1.13 1.19 1.23 1.30 1.35 1.36 1.38 24
-------------------------------------------------------------------------------------------
10 1.19 1.23 1.30 1.35 1.36 1.32 1.34 25
-------------------------------------------------------------------------------------------
11 1.23 1.30 1.35 1.36 1.30 1.27 1.29 26
-------------------------------------------------------------------------------------------
12 1.30 1.35 1.36 1.30 1.25 1.20 1.24 27
-------------------------------------------------------------------------------------------
13 1.28 1.31 1.30 1.25 1.20 1.16 1.20 28
-------------------------------------------------------------------------------------------
14 1.24 1.26 1.25 1.19 1.16 1.13 1.17 29
-------------------------------------------------------------------------------------------
15 1.20 1.19 1.18 1.13 1.12 1.11 1.14 30
-------------------------------------------------------------------------------------------
16 1.14 1.12 1.12 1.09 1.09 1.09 1.12 31
-------------------------------------------------------------------------------------------
17 1.07 1.05 1.06 1.05 1.06 1.08 1.11 32
-------------------------------------------------------------------------------------------
18 1.01 1.00 1.02 1.01 1.03 1.07 1.12 33
-------------------------------------------------------------------------------------------
19 0.95 0.97 0.97 0.98 1.01 1.07 1.14 34
-------------------------------------------------------------------------------------------
20 0.91 0.93 0.94 0.96 1.01 1.08 1.17 35
-------------------------------------------------------------------------------------------
21 0.86 0.90 0.92 0.96 1.02 1.11 1.22 36
-------------------------------------------------------------------------------------------
22 0.83 0.88 0.91 0.96 1.04 1.15 1.28 37
-------------------------------------------------------------------------------------------
23 0.84 0.90 0.94 1.00 1.10 1.21 1.36 38
-------------------------------------------------------------------------------------------
24 0.87 0.93 0.97 1.05 1.17 1.29 1.45 39
-------------------------------------------------------------------------------------------
25 0.90 0.96 1.03 1.12 1.25 1.38 1.56 40
-------------------------------------------------------------------------------------------
26 0.95 1.02 1.09 1.20 1.35 1.49 1.70 41
-------------------------------------------------------------------------------------------
27 1.01 1.08 1.17 1.30 1.47 1.63 1.87 42
-------------------------------------------------------------------------------------------
28 1.08 1.17 1.28 1.42 1.61 1.81 2.07 43
-------------------------------------------------------------------------------------------
29 1.17 1.28 1.42 1.58 1.81 2.03 2.31 44
-------------------------------------------------------------------------------------------
30 1.28 1.42 1.58 1.81 2.03 2.26 2.58 45
-------------------------------------------------------------------------------------------
31 1.42 1.58 1.18 2.03 2.26 2.53 2.89 46
-------------------------------------------------------------------------------------------
32 1.58 1.81 2.03 2.26 2.53 2.83 3.24 47
-------------------------------------------------------------------------------------------
33 1.78 2.01 2.25 2.53 2.83 3.17 3.61 48
-------------------------------------------------------------------------------------------
34 2.01 2.24 2.53 2.81 3.16 3.54 4.02 49
-------------------------------------------------------------------------------------------
35 2.24 2.53 2.80 3.13 3.52 3.94 4.45 50
-------------------------------------------------------------------------------------------
36 2.53 2.80 3.10 3.48 3.91 4.36 4.92 51
-------------------------------------------------------------------------------------------
37 2.80 3.08 3.43 3.86 4.32 4.82 5.44 52
-------------------------------------------------------------------------------------------
38 3.04 3.35 3.76 4.25 4.78 5.33 6.00 53
-------------------------------------------------------------------------------------------
39 3.27 3.64 4.10 4.67 5.28 5.88 6.61 54
-------------------------------------------------------------------------------------------
40 3.51 3.94 4.47 5.13 5.82 6.48 7.27 55
-------------------------------------------------------------------------------------------
41 3.75 4.24 4.86 5.62 6.41 7.12 8.01 56
-------------------------------------------------------------------------------------------
42 3.99 4.57 5.28 6.15 7.05 7.85 8.82 57
-------------------------------------------------------------------------------------------
43 4.33 4.96 5.71 6.63 7.61 8.50 9.73 58
-------------------------------------------------------------------------------------------
44 4.70 5.37 6.16 7.16 8.20 9.22 10.75 59
-------------------------------------------------------------------------------------------
45 5.08 5.80 6.66 7.73 8.85 10.02 11.89 60
-------------------------------------------------------------------------------------------
1975-80 BASIC SELECT AND ULTIMATE MORTALITY TABLES - MALE ANB
-------------------------------------------------------------------------------------------
Ultimate
Age/Dur 10 11 12 13 14 15 Rate Age
-------------------------------------------------------------------------------------------
46 5.48 6.28 7.19 8.35 9.56 10.89 13.17 61
-------------------------------------------------------------------------------------------
47 5.93 6.79 7.78 9.03 10.34 11.58 14.57 62
-------------------------------------------------------------------------------------------
48 6.49 7.53 8.64 9.94 11.30 12.79 16.07 63
-------------------------------------------------------------------------------------------
49 7.12 8.36 9.60 10.96 12.32 13.75 17.71 64
-------------------------------------------------------------------------------------------
50 7.83 9.30 40.69 12.06 13.40 14.77 19.50 65
-------------------------------------------------------------------------------------------
51 8.61 10.35 11.89 13.24 14.56 15.83 21.47 66
-------------------------------------------------------------------------------------------
52 9.48 11.51 13.18 14.52 15.80 16.96 23.65 67
-------------------------------------------------------------------------------------------
53 10.43 12.63 14.52 15.80 16.96 19.16 26.05 68
-------------------------------------------------------------------------------------------
54 11.44 13.85 15.80 16.96 19.16 21.62 28.69 69
-------------------------------------------------------------------------------------------
55 12.54 15.17 16.96 19.16 21.62 24.39 31.57 70
-------------------------------------------------------------------------------------------
56 13.73 16.62 19.16 21.62 24.39 27.47 34.68 71
-------------------------------------------------------------------------------------------
57 15.03 18.21 21.36 24.39 27.15 30.87 38.00 72
-------------------------------------------------------------------------------------------
58 15.94 19.22 22.43 25.64 28.58 32.76 41.60 73
-------------------------------------------------------------------------------------------
59 16.88 20.25 23.49 26.85 29.94 34.70 45.54 74
-------------------------------------------------------------------------------------------
60 17.85 21.28 24.48 27.97 31.28 36.71 49.90 75
-------------------------------------------------------------------------------------------
61 18.82 22.26 25.39 29.04 32.61 38.82 54.71 76
-------------------------------------------------------------------------------------------
62 19.77 23.18 26.21 30.06 33.93 41.03 60.03 77
-------------------------------------------------------------------------------------------
63 22.42 25.79 28.87 33.14 37.75 44.66 65.85 78
-------------------------------------------------------------------------------------------
64 25.79 28.69 32.93 36.55 42.02 48.60 72.18 79
-------------------------------------------------------------------------------------------
65 28.69 32.93 35.12 40.34 46.75 52.83 79.02 80
-------------------------------------------------------------------------------------------
66 32.93 34.69 38.78 44.51 51.97 57.68 86.36 81
-------------------------------------------------------------------------------------------
67 34.47 38.42 42.80 49.08 57.68 62.18 94.12 82
-------------------------------------------------------------------------------------------
68 37.82 42.14 46.91 53.73 62.18 67.77 102.35 83
-------------------------------------------------------------------------------------------
69 41.49 46.20 51.36 58.72 67.77 73.69 111.41 84
-------------------------------------------------------------------------------------------
70 45.48 50.57 56.13 64.00 73.69 80.22 121.31 85
-------------------------------------------------------------------------------------------
71 65.58 74.61 84.52 95.47 107.84 121.31 132.05 86
-------------------------------------------------------------------------------------------
72 74.61 84.52 95.39 107.67 121.31 132.05 143.63 87
-------------------------------------------------------------------------------------------
73 84.52 95.39 107.62 121.31 132.05 143.63 156.05 88
-------------------------------------------------------------------------------------------
74 95.39 107.62 121.31 132.05 143.63 156.05 169.12 89
-------------------------------------------------------------------------------------------
75 107.62 121.31 132.05 143.63 156.05 169.12 182.61 90
-------------------------------------------------------------------------------------------
76 121.31 132.05 143.63 156.05 169.12 182.61 196.52 91
-------------------------------------------------------------------------------------------
77 132.05 143.63 156.05 169.12 182.61 196.52 210.85 92
-------------------------------------------------------------------------------------------
78 143.63 156.05 169.12 182.61 196.52 210.85 225.60 93
-------------------------------------------------------------------------------------------
79 156.05 169.12 182.61 196.52 210.85 225.60 240.77 94
-------------------------------------------------------------------------------------------
80 169.12 182.61 196.52 210.85 225.60 240.77 256.36 95
-------------------------------------------------------------------------------------------
81 182.61 196.52 210.85 225.60 240.77 256.36 272.37 96
-------------------------------------------------------------------------------------------
82 196.52 210.85 225.60 240.77 256.36 272.37 288.80 97
-------------------------------------------------------------------------------------------
83 210.85 225.60 240.77 256.36 272.37 288.80 305.65 98
-------------------------------------------------------------------------------------------
84 225.60 240.77 256.36 272.37 288.80 305.65 322.92 99
-------------------------------------------------------------------------------------------
85 240.77 256.36 272.37 288.80 305.65 322.92 340.61 100
-------------------------------------------------------------------------------------------
86 256.36 272.37 288.80 305.65 322.92 340.61 358.72 101
-------------------------------------------------------------------------------------------
87 272.37 288.80 305.65 322.92 340.61 358.72 377.25 102
-------------------------------------------------------------------------------------------
88 288.80 305.65 322.92 340.61 358.72 377.25 396.20 103
-------------------------------------------------------------------------------------------
89 305.65 322.92 340.61 358.72 377.25 396.20 415.57 104
-------------------------------------------------------------------------------------------
90 322.92 340.61 358.72 377.25 396.20 415.57 435.36 105
-------------------------------------------------------------------------------------------
1975-80 BASIC SELECT AND ULTIMATE MORTALITY TABLES - FEMALE ANB
-------------------------------------------------------------------------------------------
Age/Dur 1 2 3 4 5 6 7 8 9
-------------------------------------------------------------------------------------------
0 0.93 0.34 0.30 0.27 0.24 0.22 0.20 0.18 0.18
-------------------------------------------------------------------------------------------
1 0.34 0.30 0.27 0.24 0.22 0.20 0.18 0.18 0.18
-------------------------------------------------------------------------------------------
2 0.28 0.27 0.24 0.22 0.20 0.18 0.18 0.18 0.19
-------------------------------------------------------------------------------------------
3 0.24 0.24 0.22 0.20 0.18 0.18 0.18 0.19 0.21
-------------------------------------------------------------------------------------------
4 0.22 0.22 0.20 0.18 0.18 0.18 0.19 0.21 0.24
-------------------------------------------------------------------------------------------
5 0.20 0.20 0.18 0.18 0.18 0.19 0.21 0.24 0.27
-------------------------------------------------------------------------------------------
6 0.19 0.18 0.18 0.18 0.19 0.21 0.24 0.27 0.32
-------------------------------------------------------------------------------------------
7 0.17 0.18 0.18 0.19 0.21 0.24 0.27 0.32 0.36
-------------------------------------------------------------------------------------------
8 0.16 0.18 0.19 0.21 0.24 0.27 0.32 0.36 0.40
-------------------------------------------------------------------------------------------
9 0.16 0.19 0.21 0.24 0.27 0.32 0.36 0.40 0.44
-------------------------------------------------------------------------------------------
10 0.16 0.21 0.24 0.27 0.32 0.36 0.40 0.44 0.47
-------------------------------------------------------------------------------------------
11 0.17 0.24 0.27 0.32 0.36 0.40 0.44 0.47 0.49
-------------------------------------------------------------------------------------------
12 0.18 0.27 0.32 0.36 0.40 0.44 0.47 0.49 0.51
-------------------------------------------------------------------------------------------
13 0.21 0.31 0.35 0.38 0.42 0.45 0.47 0.49 0.52
-------------------------------------------------------------------------------------------
14 0.25 0.33 0.37 0.40 0.43 0.45 0.47 0.48 0.53
-------------------------------------------------------------------------------------------
15 0.28 0.35 0.39 0.41 0.43 0.45 0.46 0.48 0.53
-------------------------------------------------------------------------------------------
16 0.32 0.37 0.39 0.41 0.42 0.43 0.45 0.46 0.53
-------------------------------------------------------------------------------------------
17 0.36 0.37 0.39 0.40 0.41 0.42 0.43 0.44 0.53
-------------------------------------------------------------------------------------------
18 0.36 0.37 0.39 0.40 0.41 0.42 0.43 0.44 0.51
-------------------------------------------------------------------------------------------
19 0.36 0.37 0.39 0.40 0.41 0.42 0.43 0.44 0.50
-------------------------------------------------------------------------------------------
20 0.35 0.36 0.38 0.39 0.41 0.41 0.43 0.44 0.48
-------------------------------------------------------------------------------------------
21 0.34 0.36 0.37 0.39 0.40 0.41 0.43 0.44 0.47
-------------------------------------------------------------------------------------------
22 0.32 0.34 0.36 0.38 0.40 0.41 0.43 0.45 0.46
-------------------------------------------------------------------------------------------
23 0.32 0.34 0.37 0.39 0.41 0.42 0.45 0.46 0.50
-------------------------------------------------------------------------------------------
24 0.31 0.34 0.38 0.40 0.42 0.45 0.46 0.50 0.55
-------------------------------------------------------------------------------------------
25 0.31 0.35 0.39 0.41 0.44 0.46 0.50 0.55 0.59
-------------------------------------------------------------------------------------------
26 0.30 0.35 0.39 0.43 0.46 0.50 0.55 0.59 0.63
-------------------------------------------------------------------------------------------
27 0.30 0.35 0.41 0.45 0.50 0.55 0.59 0.63 0.66
-------------------------------------------------------------------------------------------
28 0.31 0.36 0.42 0.48 0.53 0.59 0.63 0.66 0.76
-------------------------------------------------------------------------------------------
29 0.32 0.37 0.44 0.51 0.57 0.63 0.66 0.76 0.86
-------------------------------------------------------------------------------------------
30 0.33 0.39 0.47 0.54 0.62 0.66 0.76 0.86 0.97
-------------------------------------------------------------------------------------------
31 0.35 0.41 0.50 0.59 0.66 0.76 0.86 0.97 1.08
-------------------------------------------------------------------------------------------
32 0.38 0.44 0.54 0.65 0.76 0.86 0.97 1.08 1.19
-------------------------------------------------------------------------------------------
33 0.39 0.46 0.57 0.69 0.82 0.93 1.07 1.19 1.31
-------------------------------------------------------------------------------------------
34 0.41 0.49 0.60 0.74 0.88 1.02 1.18 1.31 1.48
-------------------------------------------------------------------------------------------
35 0.43 0.51 0.63 0.79 0.95 1.12 1.30 1.48 1.64
-------------------------------------------------------------------------------------------
36 0.45 0.54 0.67 0.85 1.04 1.23 1.43 1.63 1.81
-------------------------------------------------------------------------------------------
37 0.48 0.58 0.71 0.92 1.13 1.35 1.56 1.77 1.98
-------------------------------------------------------------------------------------------
38 0.51 0.64 0.80 1.04 1.26 1.49 1.70 1.92 2.14
-------------------------------------------------------------------------------------------
39 0.55 0.72 0.89 1.16 1.39 1.63 1.85 2.08 2.30
-------------------------------------------------------------------------------------------
40 0.60 0.80 1.00 1.28 1.52 1.78 2.01 2.24 2.46
-------------------------------------------------------------------------------------------
41 0.65 0.89 1.10 1.41 1.66 1.94 2.17 2.41 2.63
-------------------------------------------------------------------------------------------
42 0.70 0.98 1.20 1.54 1.80 2.10 2.33 2.58 2.83
-------------------------------------------------------------------------------------------
43 0.76 1.05 1.29 1.63 1.90 2.20 2.45 2.74 3.01
-------------------------------------------------------------------------------------------
44 0.81 1.12 1.48 1.71 2.00 2.30 2.59 2.90 3.21
-------------------------------------------------------------------------------------------
45 0.86 1.19 1.48 1.79 2.10 2.42 2.73 3.07 3.43
-------------------------------------------------------------------------------------------
1975-80 BASIC SELECT AND ULTIMATE MORTALITY TABLES - FEMALE ANB
-------------------------------------------------------------------------------------------
Age/Dur 1 2 3 4 5 6 7 8 9
-------------------------------------------------------------------------------------------
46 0.91 1.26 1.58 1.86 2.22 2.53 2.88 3.28 3.67
-------------------------------------------------------------------------------------------
47 0.96 1.33 1.68 1.95 2.34 2.65 3.06 3.49 3.94
-------------------------------------------------------------------------------------------
48 1.00 1.39 1.76 2.04 2.45 2.82 3.27 3.76 4.20
-------------------------------------------------------------------------------------------
49 1.05 1.46 1.83 2.13 2.58 3.00 3.50 4.04 4.48
-------------------------------------------------------------------------------------------
50 1.10 1.53 1.91 2.24 2.72 3.20 3.74 4.35 4.78
-------------------------------------------------------------------------------------------
51 1.15 1.60 2.01 2.35 2.86 3.40 4.00 4.68 5.09
-------------------------------------------------------------------------------------------
52 1.20 1.68 2.10 2.47 3.01 3.61 4.28 5.03 5.40
-------------------------------------------------------------------------------------------
53 1.26 1.76 2.22 2.65 3.23 3.87 4.57 5.34 5.77
-------------------------------------------------------------------------------------------
54 1.32 1.85 2.35 2.84 3.47 4.15 4.87 5.65 6.15
-------------------------------------------------------------------------------------------
55 1.38 1.93 2.48 3.05 3.72 4.43 5.18 5.97 6.55
-------------------------------------------------------------------------------------------
56 1.45 2.02 2.62 3.27 3.97 4.72 5.50 6.29 6.97
-------------------------------------------------------------------------------------------
57 1.51 2.11 2.76 3.49 4.24 5.02 5.82 6.62 7.42
-------------------------------------------------------------------------------------------
58 1.63 2.29 2.99 3.76 4.54 5.34 6.18 7.03 7.88
-------------------------------------------------------------------------------------------
59 1.75 2.48 3.24 4.04 4.85 5.69 6.57 7.46 8.36
-------------------------------------------------------------------------------------------
60 1.18 2.68 3.50 4.34 5.18 6.06 6.98 7.93 8.89
-------------------------------------------------------------------------------------------
61 2.01 2.90 3.77 4.66 5.54 6.45 7.42 8.43 9.45
-------------------------------------------------------------------------------------------
62 2.15 3.12 4.07 5.01 5.93 6.88 7.90 8.97 10.07
-------------------------------------------------------------------------------------------
63 2.27 3.27 4.26 5.24 6.21 7.22 8.30 9.49 10.75
-------------------------------------------------------------------------------------------
64 2.40 3.43 4.46 5.48 6.50 7.57 8.75 10.07 11.53
-------------------------------------------------------------------------------------------
65 2.53 2.59 4.66 5.73 6.80 7.95 9.24 10.72 12.43
-------------------------------------------------------------------------------------------
66 2.67 3.76 4.88 5.99 7.12 8.37 9.80 11.47 13.45
-------------------------------------------------------------------------------------------
67 2.82 3.94 5.10 6.27 7.48 8.85 10.43 12.32 14.61
-------------------------------------------------------------------------------------------
68 3.06 4.28 5.56 6.87 8.23 9.79 11.60 13.76 16.38
-------------------------------------------------------------------------------------------
69 3.33 4.67 6.09 7.56 9.11 10.89 12.95 15.42 18.41
-------------------------------------------------------------------------------------------
70 3.63 5.11 6.70 8.36 10.13 12.16 14.52 17.34 20.73
-------------------------------------------------------------------------------------------
71 5.01 7.70 10.44 13.52 16.24 19.36 24.15 28.95 35.02
-------------------------------------------------------------------------------------------
72 6.01 8.87 12.38 15.87 19.26 23.05 28.68 34.23 41.07
-------------------------------------------------------------------------------------------
73 7.20 10.35 14.68 18.73 22.84 27.42 33.97 40.33 47.96
-------------------------------------------------------------------------------------------
74 8.63 12.39 17.32 22.10 27.06 32.52 40.08 47.30 55.76
-------------------------------------------------------------------------------------------
75 10.32 14.81 20.43 26.07 31.97 38.41 47.07 55.20 64.51
-------------------------------------------------------------------------------------------
76 12.34 17.69 24.09 30.69 37.65 45.16 55.01 64.10 74.28
-------------------------------------------------------------------------------------------
77 14.74 20.71 28.36 36.01 44.13 52.83 63.96 74.06 85.13
-------------------------------------------------------------------------------------------
78 17.58 24.64 33.26 42.08 51.48 61.48 73.98 85.13 93.91
-------------------------------------------------------------------------------------------
79 21.12 29.19 38.86 48.95 59.76 71.17 85.13 93.91 103.24
-------------------------------------------------------------------------------------------
80 25.23 34.42 45.19 56.66 69.02 81.96 93.91 103.24 113.12
-------------------------------------------------------------------------------------------
81 29.98 40.36 52.30 65.27 79.31 93.91 103.24 113.12 123.55
-------------------------------------------------------------------------------------------
82 35.39 47.07 60.24 74.83 90.70 103.24 113.12 123.55 134.53
-------------------------------------------------------------------------------------------
83 41.53 54.60 69.05 85.39 103.24 113.12 123.55 134.53 146.06
-------------------------------------------------------------------------------------------
84 49.99 63.00 78.78 97.00 113.12 123.55 134.53 146.06 158.14
-------------------------------------------------------------------------------------------
85 59.59 74.19 89.47 109.70 123.55 134.53 146.06 158.14 170.77
-------------------------------------------------------------------------------------------
86 70.43 84.66 101.18 123.55 134.53 146.06 158.14 170.77 183.95
-------------------------------------------------------------------------------------------
87 82.59 97.28 113.94 134.53 146.06 158.14 170.77 183.95 197.68
-------------------------------------------------------------------------------------------
88 96.15 111.20 127.80 146.06 158.14 170.77 183.95 197.68 211.96
-------------------------------------------------------------------------------------------
89 105.02 121.08 138.76 158.14 170.77 183.95 197.68 211.96 226.79
-------------------------------------------------------------------------------------------
90 114.35 131.45 150.23 170.77 183.95 197.68 211.96 226.79 242.17
-------------------------------------------------------------------------------------------
1975-80 BASIC SELECT AND ULTIMATE MORTALITY TABLES - FEMALE ANB
-------------------------------------------------------------------------------------------
Ultimate
Age/Dur 10 11 12 13 14 15 Rate Age
-------------------------------------------------------------------------------------------
0 0.18 0.19 0.21 0.24 0.27 0.32 0.36 15
-------------------------------------------------------------------------------------------
1 0.19 0.21 0.24 0.27 0.32 0.36 0.40 16
-------------------------------------------------------------------------------------------
2 0.21 0.24 0.27 0.32 0.36 0.40 0.44 17
-------------------------------------------------------------------------------------------
3 0.24 0.27 0.32 0.36 0.40 0.44 0.47 18
-------------------------------------------------------------------------------------------
4 0.27 0.32 0.36 0.40 0.44 0.47 0.49 19
-------------------------------------------------------------------------------------------
5 0.32 0.36 0.40 0.44 0.47 0.49 0.51 20
-------------------------------------------------------------------------------------------
6 0.36 0.40 0.44 0.47 0.49 0.51 0.52 21
-------------------------------------------------------------------------------------------
7 0.40 0.44 0.47 0.49 0.51 0.52 0.53 22
-------------------------------------------------------------------------------------------
8 0.44 0.47 0.49 0.51 0.52 0.53 0.53 23
-------------------------------------------------------------------------------------------
9 0.47 0.49 0.51 0.52 0.53 0.53 0.53 24
-------------------------------------------------------------------------------------------
10 0.49 0.51 0.52 0.53 0.53 0.53 0.53 25
-------------------------------------------------------------------------------------------
11 0.51 0.52 0.53 0.53 0.53 0.53 0.53 26
-------------------------------------------------------------------------------------------
12 0.52 0.53 0.53 0.53 0.53 0.53 0.53 27
-------------------------------------------------------------------------------------------
13 0.53 0.53 0.53 0.53 0.53 0.53 0.53 28
-------------------------------------------------------------------------------------------
14 0.53 0.53 0.53 0.53 0.53 0.53 0.54 29
-------------------------------------------------------------------------------------------
15 0.53 0.53 0.53 0.53 0.53 0.54 0.55 30
-------------------------------------------------------------------------------------------
16 0.53 0.53 0.53 0.53 0.54 0.55 0.58 31
-------------------------------------------------------------------------------------------
17 0.53 0.53 0.53 0.54 0.55 0.58 0.61 32
-------------------------------------------------------------------------------------------
18 0.52 0.53 0.54 0.55 0.58 0.61 0.65 33
-------------------------------------------------------------------------------------------
19 0.50 0.54 0.55 0.58 0.61 0.65 0.70 34
-------------------------------------------------------------------------------------------
20 0.50 0.55 0.58 0.61 0.65 0.70 0.77 35
-------------------------------------------------------------------------------------------
21 0.49 0.58 0.61 0.65 0.70 0.77 0.84 36
-------------------------------------------------------------------------------------------
22 0.50 0.61 0.65 0.70 0.77 0.84 0.93 37
-------------------------------------------------------------------------------------------
23 0.55 0.65 0.70 0.77 0.84 0.93 1.03 38
-------------------------------------------------------------------------------------------
24 0.59 0.70 0.77 0.84 0.93 1.03 1.15 39
-------------------------------------------------------------------------------------------
25 0.63 0.77 0.84 0.93 1.03 1.15 1.29 40
-------------------------------------------------------------------------------------------
26 0.69 0.84 0.93 1.03 1.15 1.29 1.45 41
-------------------------------------------------------------------------------------------
27 0.76 0.93 1.03 1.15 1.29 1.45 1.62 42
-------------------------------------------------------------------------------------------
28 0.86 1.03 1.15 1.29 1.45 1.62 1.79 43
-------------------------------------------------------------------------------------------
29 0.97 1.15 1.29 1.45 1.62 1.79 1.96 44
-------------------------------------------------------------------------------------------
30 1.08 1.29 1.45 1.62 1.79 1.96 2.14 45
-------------------------------------------------------------------------------------------
31 1.19 1.45 1.62 1.79 1.96 2.14 2.33 46
-------------------------------------------------------------------------------------------
32 1.31 1.62 1.79 1.96 2.14 2.33 2.52 47
-------------------------------------------------------------------------------------------
33 1.48 1.77 1.94 2.12 2.33 2.52 2.72 48
-------------------------------------------------------------------------------------------
34 1.64 1.92 2.10 2.30 2.51 2.72 2.93 49
-------------------------------------------------------------------------------------------
35 1.81 2.07 2.27 2.46 2.71 2.92 3.17 50
-------------------------------------------------------------------------------------------
36 2.00 2.23 2.43 2.64 2.92 3.16 3.43 51
-------------------------------------------------------------------------------------------
37 2.19 2.39 2.60 2.82 3.15 3.42 3.71 52
-------------------------------------------------------------------------------------------
38 2.35 2.56 2.78 3.02 3.38 3.66 4.04 53
-------------------------------------------------------------------------------------------
39 2.52 2.74 2.98 3.23 3.62 3.94 4.40 54
-------------------------------------------------------------------------------------------
40 2.69 2.94 3.19 3.46 3.91 4.25 4.80 55
-------------------------------------------------------------------------------------------
41 2.89 3.15 3.42 3.72 4.23 4.58 5.23 56
-------------------------------------------------------------------------------------------
42 3.10 3.38 3.69 4.01 4.57 4.94 5.70 57
-------------------------------------------------------------------------------------------
43 3.31 3.64 3.98 4.34 4.94 5.37 6.22 58
-------------------------------------------------------------------------------------------
44 3.55 3.92 4.30 4.69 5.37 5.85 6.78 59
-------------------------------------------------------------------------------------------
45 3.82 4.23 4.64 5.07 5.83 6.36 7.37 60
-------------------------------------------------------------------------------------------
1975-80 BASIC SELECT AND ULTIMATE MORTALITY TABLES - FEMALE ANB
-------------------------------------------------------------------------------------------
Ultimate
Age/Dur 10 11 12 13 14 15 Rate Age
-------------------------------------------------------------------------------------------
46 4.11 4.55 5.01 5.49 6.32 6.89 8.00 61
-------------------------------------------------------------------------------------------
47 4.41 4.90 5.14 5.94 6.84 7.46 8.67 62
-------------------------------------------------------------------------------------------
48 4.70 5.23 5.77 6.31 7.25 7.88 9.38 63
-------------------------------------------------------------------------------------------
49 5.02 5.57 6.13 6.70 7.67 8.30 10.15 64
-------------------------------------------------------------------------------------------
50 5.34 5.92 6.50 7.09 8.09 8.75 10.99 65
-------------------------------------------------------------------------------------------
51 5.67 6.28 6.88 7.49 8.53 9.21 11.91 66
--------------------------------------------------------------------------------------------
52 6.01 6.64 7.27 7.91 9.00 9.70 12.92 67
--------------------------------------------------------------------------------------------
53 6.41 7.05 7.75 8.47 9.68 10.50 14.03 68
--------------------------------------------------------------------------------------------
54 6.81 7.49 8.26 9.07 10.43 11.37 15.25 69
--------------------------------------------------------------------------------------------
55 7.25 7.96 8.81 9.27 11.24 12.33 16.63 70
--------------------------------------------------------------------------------------------
56 7.71 8.46 9.40 10.43 12.13 13.41 18.21 71
--------------------------------------------------------------------------------------------
57 8.21 9.00 10.04 11.20 13.13 14.65 20.04 72
--------------------------------------------------------------------------------------------
58 8.17 9.76 10.86 12.11 14.18 15.84 22.17 73
--------------------------------------------------------------------------------------------
59 9.25 10.60 11.79 13.14 15.40 17.21 24.65 74
--------------------------------------------------------------------------------------------
60 9.83 11.55 12.85 14.33 16.80 18.78 27.53 75
--------------------------------------------------------------------------------------------
61 10.47 12.64 14.08 15.70 18.42 20.59 30.86 76
--------------------------------------------------------------------------------------------
62 11.19 13.90 15.50 17.30 20.28 22.64 34.69 77
--------------------------------------------------------------------------------------------
63 12.11 15.04 16.80 18.79 22.08 24.73 39.07 78
--------------------------------------------------------------------------------------------
64 13.17 16.34 18.28 20.47 24.09 27.05 44.00 79
--------------------------------------------------------------------------------------------
65 14.38 17.83 19.94 22.34 26.30 29.55 49.48 80
--------------------------------------------------------------------------------------------
66 15.78 19.51 21.81 24.41 28.69 32.20 55.51 81
--------------------------------------------------------------------------------------------
67 17.37 21.40 23.87 26.64 31.21 34.98 62.09 82
--------------------------------------------------------------------------------------------
68 19.53 23.87 26.64 29.96 34.98 39.13 69.22 83
--------------------------------------------------------------------------------------------
69 21.99 26.64 29.96 33.61 39.13 43.62 76.90 84
--------------------------------------------------------------------------------------------
70 24.77 29.96 33.61 37.59 43.62 48.46 85.13 85
--------------------------------------------------------------------------------------------
71 41.07 47.96 55.76 64.57 74.44 85.13 93.91 86
--------------------------------------------------------------------------------------------
72 47.96 55.76 64.51 74.32 85.13 93.91 103.24 87
--------------------------------------------------------------------------------------------
73 55.76 64.51 74.28 85.13 93.91 103.12 113.12 88
--------------------------------------------------------------------------------------------
74 64.51 74.28 85.13 93.91 103.24 113.12 123.55 89
--------------------------------------------------------------------------------------------
75 74.28 85.13 93.91 103.24 113.12 123.55 134.53 90
--------------------------------------------------------------------------------------------
76 85.13 93.91 103.24 113.12 123.55 134.53 146.06 91
--------------------------------------------------------------------------------------------
77 93.91 103.24 113.12 123.55 134.53 146.06 158.14 92
--------------------------------------------------------------------------------------------
78 103.24 113.12 123.55 134.53 146.06 158.14 170.77 93
--------------------------------------------------------------------------------------------
79 113.12 123.55 134.53 146.06 158.14 170.77 183.95 94
--------------------------------------------------------------------------------------------
80 123.55 134.53 146.06 158.14 170.77 183.95 197.68 95
--------------------------------------------------------------------------------------------
81 134.53 146.06 158.14 170.77 183.95 197.68 211.96 96
--------------------------------------------------------------------------------------------
82 146.06 158.14 170.77 183.95 197.68 211.96 226.79 97
--------------------------------------------------------------------------------------------
83 158.14 170.77 183.95 197.68 211.96 226.79 242.17 98
--------------------------------------------------------------------------------------------
84 170.77 183.95 197.68 211.96 226.79 242.17 258.10 99
--------------------------------------------------------------------------------------------
85 183.95 197.68 211.96 226.79 242.17 258.10 274.58 100
--------------------------------------------------------------------------------------------
86 197.68 211.96 226.79 242.17 258.10 274.58 291.61 101
--------------------------------------------------------------------------------------------
87 211.96 226.79 242.17 258.10 274.58 291.61 309.19 102
--------------------------------------------------------------------------------------------
88 226.79 242.17 258.10 274.58 291.61 309.19 327.32 103
--------------------------------------------------------------------------------------------
89 242.17 258.10 274.58 291.61 309.19 327.32 346.00 104
--------------------------------------------------------------------------------------------
90 258.10 274.58 291.61 309.19 327.32 346.00 365.23 105
--------------------------------------------------------------------------------------------
