[LOGO] CRE
REINSURANCE AGREEMENT
SPECIFICATIONS PAGE
CEDING COMPANY: LIFE INSURANCE COMPANY OF VIRGINIA
Richmond, Virginia
TREATY NUMBER: L067-101-000.
ACCOUNT NUMBER(S): 847.
COLOGNE: COLOGNE LIFE REINSURANCE COMPANY
Stamford, Connecticut
EFFECTIVE DATE: Plans listed in Exhibit C with Issue Dates of 5/15/87
and later.
TYPE OF BUSINESS: Automatic with Facultative Option.
BINDING: Quota Share. See Special Provisions Automatic for the
quota share of the Plan reinsured.
REPORTING: Monthly bulk listings for current month.
PLAN OF REINSURANCE: Risk-Premium/YRT.
PREMIUMS: See Exhibit C for the Plan reinsured.
LIMIT PER LIFE: $2,000,000.
EXCESSES: May be ceded at Excess Rates shown in Exchibit C.
JUMBO LIMIT: $7,500,000.
MINIMUM CESSION: $5,000.
MINIMUM
FACULTATIVE SUBMISSION: Greater of $25,000 or plan minimum.
RECAPTURE: After 10 policy years.
IN WITNESS OF THE AGREEMENT which is detailed in the attached General
Provisions, Special Provisions and Exhibits, the PARTIES have had their
respective officers execute it in duplicate below.
COLOGNE LIFE REINSURANCE COMPANY LIFE INSURANCE COMPANY OF XXXXXXXXX
By: /s/ Illegible By: /s/ Illegible
---------------------------------- -----------------------------------
Title: Illegible Title: Illegible
Date: June 9, 1989 Date: May 10, 1990
Attest: /s/ Illegible Attest: /s/ Illegible
------------------------------ -------------------------------
Title: Illegible Title:
CONTENTS
AUTOMATIC REINSURANCE AGREEMENT
WITH FACULTATIVE OPTION
Page
----
Specifications Page 1
Contents 2
General Provisions
Parties to the Agreement 3
Benefits to the Ceding Company
Reinsurance Coverage 3
Effect of Policy Changes 3
Effect of Reinstatement 4
Changes in Retention and Recapture 4
Settlement of Claims 5
Premium Tax Credits 6
Insolvency 6
Conditions of the Reinsurance Coverage
Company Data 6
Oversights 6
Inspection of Records 6
Payment of Premiums 7
Arbitration 7
Duration of Agreement 7
Special Provisions
Basis of Reinsurance - Automatic 8A
Basis of Reinsurance - Facultative 8F
Mode of Ceding 8
Plan of Reinsurance 8
Premium Accounting 8
Exhibits
Ceding Company Retention Limits at Inception A
Self-Administered Bulk Reporting B
Reinsurance Premiums C
Reinsurance Benefit Amounts D
Replacements and Conversions E
Cession Form F
Exchange Rates G
GENERAL PROVISIONS
PARTIES TO THE AGREEMENT: Ceding Company and Cologne.
This Agreement is solely between the Ceding Company and Cologne. The acceptance
of risks under this Agreement shall create no right or legal relation whatsoever
between Cologne and the insured, owner, or beneficiary of any insurance policy
or other contract of the Ceding Company.
BENEFITS TO THE CEDING COMPANY:
Reinsurance Coverage. When the Ceding Company is liable under the conditions of
a policy or contract, Cologne's liability shall follow to the extent of the
reinsurance effected.
In the case of facultative reinsurance, Cologne's liability shall be subject to
explicit acceptance of the risk by Cologne.
In the case of pre-paid or conditional receipt liability, Cologne's liability on
automatic reinsurance shall begin and end with the Ceding Company's liability,
provided procedures, terms and conditions of the Ceding Company's conditional
receipt coverage are followed.
Conditional receipt liability shall not commence on those risks submitted for
facultative reinsurance until Cologne has made an explicit acceptance of the
risk.
Reinsurance shall be in force and binding on Cologne as long as the issuance of
insurance by the Ceding Company constituted the doing of business in a
jurisdiction in which the Ceding Company was properly licensed and the
reinsurance premiums continue to be paid in accordance with this agreement.
Effect of Policy Changes. Whenever a change is made in the status, plan, amount
or other material feature of the policy issued by the Ceding Company Cologne
shall, upon notification of the change, provide appropriately adjusted
reinsurance coverage.
If the amount of insurance is reduced, the amount of reinsurance shall be
reduced proportionately and any unearned premiums associated with the reduction
returned to the Ceding Company.
If the amount of insurance is increased, the increase will be considered as new
reinsurance under this Agreement with appropriate underwriting evidence
provided.
-3-
If the original policy lapses and extended term insurance or reduced paid-up
insurance is granted under the terms of the policy, Cologne shall honor an
amended cession for the adjusted amount of reinsurance and accept appropriately
adjusted reinsurance premiums calculated in the same manner as on the original
cession. However, Cologne shall not provide coverage for extended term insurance
on policies issued at substandard ratings greater than 150% of standard or the
equivalent in flat extra premium unless Cologne specifically agrees in advance
to do so.
Upon lapse, death or other termination of a cession, Cologne shall refund any
unearned premiums. However, policy or cession fees if any, shall be deemed
earned for a policy year during which a ceded life is exposed to risk.
Effect of Reinstatement. If a policy which has lapsed for nonpayment of premium
is reinstated in accordance with its terms and with Ceding Company rules,
Cologne shall, upon notification of policy reinstatement, reinstate the
pre-existing reinsurance coverage. Upon reinstatement of the reinsurance
coverage, the Ceding Company shall pay the reinsurance premiums in arrears with
interest at the same rate as the Ceding Company receives under its policy.
Changes in Retention and Recapture. Whenever the Ceding Company changes its
limits of retention, it shall promptly inform Cologne and Cologne shall accept
the notice and make it part of this Agreement. At the effective date of this
Agreement, the retention limits of the Ceding Company are as shown in Exhibit A.
If the Ceding Company increases its retention limits, it shall have the option
of applying the increase in retention limits to existing reinsurance and
reducing the reinsurance inforce in accordance with the following rules:
(a) The Ceding Company shall give Cologne written notice of its intention to
apply the new limits of retention to existing business.
(b) The reduction in reinsurance shall be made on the next anniversary of each
cession affected. However, no reduction shall be made until a cession has
been inforce for the minimum period necessary to qualify for recapture,
which is given on the Specifications Page of this Agreement.
(c) No reduction shall be made in the reinsurance on any life unless the Ceding
Company retained its maximum retention limit for the plan, age and
mortality ratings at the time the policy was issued. If any reinsurance is
recaptured following a retention increase, all reinsurance which is subject
to recapture under these provisions must be similarly recaptured. If there
is reinsurance in other companies on risks eligible for recapture, the
necessary reduction is to be applied pro rata to the total outstanding
reinsurance.
In the event the Ceding Company overlooks any reductions or cancellations of
reinsurance which should be made on account of an increase in its retention
limits, the acceptance by Cologne of reinsurance premiums after the effective
dates of the reductions or cancellations shall not constitute or determine a
liability on the part of Cologne for such reinsurance, and Cologne shall be
liable only for a credit of the premiums so received, without interest.
-4-
Settlement of Claims. Cologne's liability to the Ceding Company for reinsurance
benefits shall follow the Ceding Company's liability for such benefits under the
terms of its policies. However, Cologne shall pay death claims in one lump sum
regardless of the mode of settlement provided in the policy, and Cologne may pay
disability waiver of premium claims in one payment per year regardless of the
mode of premium payment specified in the policy.
Whenever a claim is made under a policy of the Ceding Company, Cologne shall
consider the claim to be for the amount of reinsurance on the risk. Cologne
shall abide the issue as it is settled by the Ceding Company and shall pay the
amount of reinsurance in effect when the Ceding Company settles with the
claimant, including any required interest from date of death to date of payment,
subject only to the limitations set forth in paragraphs 1 through 3 below:
1. In every case of loss, copies of proofs obtained by the Ceding Company
shall be taken as sufficient. Unless agreed otherwise, all contestable
claims will be routinely investigated. Copies of all proofs of loss,
underwriting papers and any investigation, along with a statement
showing the amount paid on the claim by the Ceding Company, shall be
furnished to Cologne before or with a request for payment of Cologne's
share.
2. The Ceding Company shall consult with Cologne before making an
admission of liability on any contestable claim on which the Ceding
Company retains less than their full retention or twenty (20) percent
of the risk, whichever is greater.
3. Any suit or claim may be contested or compromised by the Ceding
Company. Cologne may choose not to participate in contesting a claim,
and if it so chooses, it shall pay the full amount of the reinsurance
at once. If Cologne joins the Ceding Company in a contest or
compromise which results in a reduced claim settlement, then the
Ceding Company and Cologne shall participate in proportion to their
respective net liabilities before the reduction. If Cologne has given
written consent to participate in defending or investigating a claim
or in taking up or rescinding a policy reinsured under this Agreement,
any unusual expenses incurred by the Ceding Company (aside from
routine investigations and other incidental claims settlement
expenses) shall be shared in the same proportion.
In the event of an increase or decrease in the amount of the Ceding Company's
insurance on any policy reinsured hereunder because of a misstatement of age or
sex or other status which is established after the death of the Insured, the
Ceding Company and Cologne shall share in the change in amount in proportion to
their respective net liabilities prior to the increase or decrease. The amount
at risk and the reinsurance premium for the policy year of death shall be
recalculated on the basis of the adjusted face amount using premiums and
reserves at the correct age and sex, and the adjustment for the difference in
reinsurance premiums shall be made without interest.
-5-
Premium Tax Credits. Cologne will not reimburse the Ceding Company for premium
taxes on reinsurance premiums to the extent that Cologne is not itself required
to pay the taxes directly.
Insolvency. In the event of insolvency of the Ceding Company, all payments
normally made to it by Cologne shall be payable directly to the liquidator,
receiver or statutory successor of the Ceding Company on the basis of the
liability of the Ceding Company under the contract or contracts reinsured
without diminution because of insolvency of the Ceding Company.
In the event of insolvency of the Ceding Company, the liquidator, receiver or
statutory successor shall give Cologne written notice of the pendency of a claim
on a policy reinsured within a reasonable time after the claim is filed in the
solvency proceeding. During the pendency of the claim, Cologne may investigate
the claim, and in a proceeding where the claim is to be adjudicated, Cologne
may, at Cologne's own expense, interpose in the name of the Ceding Company (its
liquidator, receiver or statutory successor) any defense or defenses which
Cologne may deem available to the Ceding Company or its liquidator, receiver or
statutory successor.
The expense thus incurred by Cologne shall be chargeable, subject to court
approval, against the Ceding Company as part of the expense of liquidation to
the extent of a proportionate share of the benefit which may accrue to the
Ceding Company solely as a result of the defense undertaken by Cologne. Where
two or more reinsurers participate in the same claim and a majority in interest
elect to interpose a defense to the claim, the expense shall be apportioned in
accordance with the terms of the reinsurance agreements as though the expense
had been incurred by the Ceding Company.
CONDITIONS OF THE REINSURANCE COVERAGE:
Company Data. The Ceding Company agrees to keep Cologne informed of the identity
and terms of its policies, riders and contracts reinsured under this Agreement
by furnishing Cologne with copies of its application forms, policy forms,
supplementary agreements, rate books, plan codes and other materials relevant to
the coverages reinsured.
Further, the Ceding Company agrees to furnish Cologne with all underwriting
manuals or criteria, requirements, and retention schedules affecting reinsurance
ceded and to keep Cologne fully informed of all subsequent changes to said
material.
Oversights. Error and omissions of an accidental or unintentional nature shall
be corrected and both parties shall be restored to the positions they would have
occupied had no such errors or omissions occurred.
Inspection of Records. Cologne shall have the right at any reasonable time to
inspect, at the office of the Ceding Company, all books and documents relating
to any reinsurance under this Agreement.
-6-
Payment of Premiums. In the event of non-payment of any reinsurance premiums
when due, Cologne's liability shall continue. However, Cologne shall have the
right to terminate reinsurance coverage for inforce business, but only after it
has given three months' notice in writing of its intention to terminate coverage
and only if reinsurance premiums remain unpaid. Balances remaining unpaid for
more than 60 days from the date due will incur interest calculated from that
date by using the 13 week Treasury Bill rate reported for the last working date
of the calendar month in the "Money Rates" section of the Wall Street Journal or
a comparable publication.
Arbitration. All disputes and differences between the two contracting parties on
which an amicable understanding cannot be reached shall be decided by
arbitration at the Home Office of the Ceding Company. The following procedures
shall apply:
1. There shall be three arbitrators who must be officers of life insurance
companies other than the parties to this Agreement. One of the arbitrators
is to be appointed by the Ceding Company, the second by Cologne and the
third is to be selected by these two arbitrators before the start of
arbitration. Should one of the parties decline to appoint an arbitrator or
should the two arbitrators be unable to agree upon the choice of a third,
the appointment shall be left to the American Arbitration Association.
2. The arbitrators shall not be required to observe formal rules of procedure
and evidence, and shall view this Agreement from the standpoint of equity
and practical business ethics rather than from that of strict law. They
shall decide by majority vote. The cost of arbitration, including the fees
of the arbitrators, shall be borne by the losing party unless the
arbitrators decide otherwise.
Duration of Agreement. This Agreement shall have the effective date shown on the
Specifications Page and shall be unlimited in duration. It may be terminated at
any time, insofar as it pertains to the handling of subsequent new business, by
either party giving three months notice of termination in writing. Cologne shall
continue to accept new business during the three month period and shall continue
to be liable on all inforce reinsurance granted under this Agreement until the
termination or expiry of the insurance reinsured.
-7-
SPECIAL PROVISIONS
AUTOMATIC
Basis of Reinsurance: The Ceding Company shall cede to Cologne direct business
underwritten on either United States or Canadian residents for Automatic
acceptance of Life Insurance subject to the limits and conditions shown below.
1. Life - full retention business: Limits
Issue Maximum Binding Maximum***
Ages** Table Ratings* Multiple Amount to CLR
------ -------------- -------- -------------
0-70 16 3x $1,125,000
Universal Life Plans: LOV Plus, Challenger (2000), Challenger Max (2000),
T-Charger, Contender Plus, LOV Plus II****, Commonwealth III
Whole Life Plans: SPWL, Excess Interest WL - Whole Life (EIWL)****
* or flat extra equivalent, with each $2.50 per thousand equal to one
table.
** Issues over age 70 shall be submitted on a facultative basis.
*** 25% Quota Share of amounts exceeding Ceding Company retention up to a
maximum of $1,125,000 per life to Cologne, maximum of $4,500,000 to Pool.
**** LOV Plus II and EIWL are a 20% Quota Share of amounts exceeding Ceding
Company retention up to a maximum of $900,000 per life to Cologne, maximum
of $4,500,000 to the Pool.
Conditions: (a) The Ceding Company has retained its current published
retention as shown in Exhibit A.
(b) The Ceding Company has not offered the risk
facultatively to any reinsurer, including Cologne.
(c) The current amount in force and applied in all
companies does not exceed the Jumbo amount, as defined
on the Specifications Page.
(d) The business ceded under this agreement has been fully
underwritten by the Ceding Company at its home office
or any regional home office in accordance with its
usual underwriting standards and requirements which
Cologne has acknowledged.
2. Life - limited retention option: When the Ceding Company retains for its
own account less than its regular retention limits on a risk and conditions
1(b), (c), (d) are satisfied, automatic coverage shall be for an amount
equal to the amount retained by the Ceding Company on the current
application.
3. Waiver of Premium: May be included up to the Life limits shown above.
4. Accidental Death Benefit: May be included up to the limits specified in
Exhibit D.
-8A-
SPECIAL PROVISIONS AUTOMATIC (continued from page 8A)
5. Conditional Receipt Limit: Cologne's proportionate share of the $250,000
maximum conditional receipt limit, less Ceding Company retention. In the
event the conditional receipt limit should be ruled invalid, Cologne will
agree a maximum of $250,000.
Notification Procedure: When Cologne has been bound for automatic reinsurance on
a life in accordance with the above conditions, the Ceding Company shall send
appropriate notification to Cologne within 20 days after the end of each month.
Facultative Option. The Ceding Company may, at its discretion, request
facultative consideration by Cologne of any risk, under the provisions given on
page 8F of this agreement. All facultative cessions are to be ceded on the
standard rate scales. not the preferred rate scales.
-8A1-
SPECIAL PROVISIONS
FACULTATIVE
Basis of Reinsurance: The Ceding Company may request facultative consideration
of any risk by sending Cologne a Reinsurance Application form as shown in
Exhibit F showing details of the risk together with any medical examination
reports, electrocardiograms, inspection reports and any other information known
to the Ceding Company pertaining to the insurability of the risk. Cologne shall
give the Reinsurance Application prompt consideration and shall notify the
Ceding Company of its decision.
If Cologne accepts the risk and the Ceding Company explicitly accepts and acts
in accordance with Cologne's decision, Cologne shall become liable for its share
of the risk, its liability commencing with that of the Ceding Company, provided
that the contract or policy has been delivered according to the usual procedures
of the Ceding Company.
Unless specifically agreed to the contrary, Cologne shall hold its offer on a
pending case open for 90 days at which time Cologne shall, in the absence of
notification of case status, routinely close its file and consider the offer as
formally withdrawn.
-8F-
SPECIAL PROVISIONS
PREMIUM ACCOUNTING
Plan of Reinsurance. Unless otherwise agreed, Life reinsurance shall be on the
Risk Premium basis or coinsurance basis if applicable at the premium rates shown
in Exhibit C to provide the reinsurance benefits described in Exhibit D.
Supplementary policy benefits covering Accidental Death and Disability Waiver of
Premium may be reinsured on the basis described in Exhibit C.
Mode of Ceding - Bulk Administration. As soon as possible after a reinsured
policy is placed inforce, the Ceding Company shall show it on its bulk report
giving the details as described in Exhibit B. No individual cessions are
necessary.
Universal Life Premium Accounting - Monthly Billing. Reinsurance premiums shall
be paid by the Ceding Company to Cologne monthly in advance for each case
reinsured.
Each month the Ceding Company shall send Cologne a statement as described in
Exhibit B showing reinsurance premiums falling due within that month.
Whole Life Premium Accounting - Monthly Billing. Reinsurance premiums shall be
paid by the Ceding Company to Cologne annually in advance for each case
reinsured.
Each month the Ceding Company shall send Cologne a statement as described in
Exhibit B showing reinsurance premiums falling due within that month.
-8-
EXHIBIT A
CORPORATE RETENTION LIMITS OF THE CEDING COMPANY
AS OF MAY 15, 1987
1. Life: AGE AMOUNT
------- --------
0 - 70 $500,000
71 - 75 $250,000
76 + 0
NOTE: To avoid ceding minimal amounts of reinsurance, the Ceding
Company shall retain any amount above its retention that does not
exceed $100,000 for ages 0 through 70 or $50,000 for ages 71 and
over.
2. Waiver of Premium Disability:
An amount equal to that attaching to the face amount of Life coverage
retained.
3. JUMBO RISK
AGE AMOUNT
------ ----------
0 - 70 $7,500,000
71 -75 $3,750,000
-A-
[LOGO] CRE
EXHIBIT B
Self-Administered Bulk Reporting
Please provide the following details on your self-administered report. Sample
formats have been attached for each category discussed.
1. New Business Detail - First Year, New Issues, this report to be used for
all new issues. Policies should appear only once on this detail.
2. First Year - Other than New Issues, this report to be used for those
policies previously reported on the New Business detail but still in their
first duration.
3. Renewal Detail - Used for reporting of renewal policies.
4. Change Detail - Used for reporting of policies involved in changes during
the current reporting period, i.e., terminations, reinstatements,
reduction, increased, etc. Premium adjustments due to these changes should
be included in the proper detail, i.e., those changes affecting first year
premium should be included on the First Year, other than New Issued detail.
Those changes affecting renewal premium should be included on the renewal
detail.
5. Premium Summary Page - Premiums summarized for Life/Flat Extra/Waiver/ADB
by the following categories: Automatic/Facultative, First Year/Renewal Year
and commission if applicable.
6. Monthly Policy Exhibit - Should contain a summary of the current months
activity and year-to-date total. Reporting the number of cases and the
benefit. Also Policy Reserves should be reported by Life and Waiver for
Automatic and Facultative.
7. Quarterly Inforce Report - Should be sent on a quarterly basis, reporting
detail of all policies inforce.
Please do not hesitate to contact our Bulk Administration area for questions.
Xxxxxx X. Xxxxxx
Supervisor, Bulk Administration
Direct line: (000) 000-0000
JES: pa
att.
PROPOSED FORMAT FOR BULK REPORTING
NEW BUSINESS DETAIL
FIRST YEAR - NEW ISSUES
Policy Policy Auto/ Name of Resi- Age/ Policy Face Reins. Amt. at Table F.E. Rate/
Count Number Fac Insured dence Sex Date Duration D.O.B. SM/NS Amount Amount Risk Rating Years
------ ------ ----- ------- ----- ---- ------ -------- ------ ----- ------ ------ ------- ------ ----------
------ -------
TOTALS
====== =======
Standard Standard Substd. DWP ADB Total
Life Rate Premium Premium Premium Premium Due
--------- -------- ------- ------- ------- -----
-------- ------- ------- ------- -----
TOTALS
======== ======= ======= ======= =====
FIRST YEAR - OTHER THAN NEW ISSUES
Policy Policy Auto/ Name of Resi- Age/ Policy Face Reins. Amt. at Table F.E. Rate/
Count Number Fac Insured dence Sex Date Duration D.O.B. SM/NS Amount Amount Risk Rating Years
------ ------ ----- ------- ----- ---- ------ -------- ------ ----- ------ ------ ------- ------ ----------
------ -------
TOTALS
====== =======
Standard Standard Substd. DWP ADB Total
Life Rate Premium Premium Premium Premium Due
--------- -------- ------- ------- ------- -----
-------- ------- ------- ------- -----
TOTALS
======== ======= ======= ======= =====
RENEWAL DETAIL
Policy Policy Auto/ Name of Resi- Age/ Policy Face Reins. Amt. at Table F.E. Rate/
Count Number Fac Insured dence Sex Date Duration D.O.B. SM/WS Amount Amount Risk Rating Years
------ ------ ----- ------- ----- ---- ------ -------- ------ ----- ------ ------ ------- ------ ----------
------ -------
TOTALS
====== =======
Standard Standard Substd. DWP ADB Total
Life Rate Premium Premium Premium Premium Due
--------- -------- ------- ------- ------- -----
-------- ------- ------- ------- -----
TOTALS
======== ======= ======= ======= =====
CHANGE DETAIL
Effective
Policy Policy Resi- Age/ Policy Previous Current Date of
Count Number A/F Name dence Sex Date Dur D.O.B SM/NS N.A.R. Volume Change Reason
------ ------ --- ---- ----- ---- ------ --- ----- ----- -------- ------- --------- ------
------ -------
TOTALS
====== =======
Premium Summary Page
Life F/E Waiver ADB Total
---- --- ------ --- -----
PREMIUMS
Automatic
First Year
---- --- ------ --- -----
Renewal Year
---- --- ------ --- -----
Total
---- --- ------ --- -----
Facultative
First Year
---- --- ------ --- -----
Renewal Year
---- --- ------ --- -----
Total
---- --- ------ --- -----
COMMISSIONS
Automatic
First Year
---- --- ------ --- -----
Renewal Year
---- --- ------ --- -----
Total
---- --- ------ --- -----
Facultative
First Year
---- --- ------ --- -----
Renewal Year
---- --- ------ --- -----
Total
---- --- ------ --- -----
AMOUNT DUE
==== === ====== === =====
Monthly Policy Exhibit Summary
Number of Cases Benefit
--------------- --------
Beginning Inforce
New Business (+)
--------- --------
Reinstatement (+)
--------- --------
Reissue (+)
--------- --------
Lapse (-)
--------- --------
Adjustments (+/-)
--------- --------
Ending Inforce
Life WP Total
--------- -------- -----
Policy Reserves
Automatic
--------- -------- -----
Facultative
--------- -------- -----
Quarterly Inforce Report
Policy Policy Name of Issue Basic DWP
Count Number Auto/Fac Insured D.O.B Date N.A.R Reserve Reserve
------ ------ -------- ------- ----- ---- ----- ------- -------
TOTALS
====== ===== ======= =======
EXHIBIT C
REINSURANCE PREMIUMS
Life. The reinsurance premiums for the life risk including reinsured life riders
shall be based on the rates specified below of the cost of mortality rates
attached for the insured's issue age and duration and table rating, if any.
1. Plans (UL): LOV Plus, Challenger, Challenger II, Challenger Max, T-Charger,
Contender Plus and Commonweath II, Charger FT.
Premiums to Cologne Per $1,000 Risk Amount
Automatic
Preferred Standard Preferred Standard
Year NonSmoker NonSmoker Year Smoker Smoker
---- ------------ ------------ ---- ------------ ------------
1 0 0 1 0 0
2+ (1.37xR)+.38 (1.37xR)+.38 2-10 (1.37xR)+.10 (1.42xR)+.20
11+ (1.16xR)+.10 (1.42xR)+.20
Facultative
Year NonSmoker Smoker
---- ------------ ------------
1 0 0
2+ (1.37xR)+.38 (1.42xR)+.20
Where R is the Age/Duration rate from the attached Mortality Rate Scale. The R
factors applicable to facultative business are the standard (i.e. non-preferred)
R factors. (i.e. preferred R factors will not be used for facultative business.)
2. Plans: Excess Interest Whole Life (EIWL), and LOV Plus II (UL)
Premiums to Cologne per $1,000 Risk Amount
Automatic
Preferred Standard Preferred Standard
Year NonSmoker NonSmoker Year Smoker Smoker
---- ------------ ------------ ---- ------------ ------------
1 0 0 1 0 0
2+ (1.44xM)+.38 (1.44xM)+.38 2-10 (1.45xM)+.10 (1.49xM)+.20
11+ (1.22xM)+.10 (1.49xM)+.20
Facultative
Year NonSmoker Smoker
---- ------------ ------------
1 0 0
2+ (1.44xM)+.38 (1.49xM)+.20
Where M is the Age/Duration Rate from the attached Mortality Rate Scale reduced
by 5%.
i.e. M Factor = 0.95 x M87 (EIWL & LOV Plus II)
-C-
EXHIBIT C
REINSURANCE PREMIUMS
Substandard Flat Extras. In the event that a risk is accepted and ceded with a
flat extra premium, the total premium shall include the flat extra premium which
shall be remitted to COLOGNE at the percentages shown below, multiplied by the
face amount reinsured:
Type of Flat Extra Premium First Year Renewal
---------------------------------------- ---------- -------
Nonmedical extra payable 1-5 years 90% 90%
Nonmedical extra payable 6 or more years 25% 90%
Medical impairment extra for 1-10 years 100% 100%
ADB. Annual reinsurance premiums for supplementary Accidental Death Benefit
shall be as follows:
First
Rates per $1,000 of ADB: Classification Year Renewal
------------------------ --------------- ----- -------
Standard $ .25 $ .90
1-1/2 times Std .40 1.25
2 times Std .50 1.60
3 times Std .75 2.35
5 times Std 1.25 3.80
Disability Waiver and Payor Benefits. Annual reinsurance premiums for
supplementary Disability Waiver of Premium shall be 25% of the annual premiums
of the CEDING COMPANY in the first policy year and 90% of those premiums in
renewal years.
Preliminary or Short Term. Preliminary Term or Short Term coverage shall be
reinsured on the basis specified in the face page of the applicable rate scale;
or, if no basis is specified, at 90% of the premium of the CEDING COMPANY.
Rate Guarantee. While Cologne anticipates continuing to accept premiums on the
basis of the attached rates, Cologne can only guarantee that the life
reinsurance premium rates payable under this Agreement shall not exceed the
one-year term net premiums computed on the 1958 CSO Mortality Table using 3%
interest and continuous functions.
Exchange to Other Plan of Insurance: First year rates will apply to any policy
on which the Ceding Company has (a) obtained full current underwriting evidence
on the full amount, which is satisfactory to Cologne, (b) full normal
commissions are paid for the new plan and (c) the Suicide and Contestable
provisions apply as if the policy were newly issued. The rates shall be
calculated using rate scale 115/215 ANB.
Otherwise, if the conversion does not qualify as a new issue, reinsurance shall
be on a YRT basis at attained age and duration on rate scale 115/215 ANB.
-C.2-
EXHIBIT C
REINSURANCE PREMIUMS
The M factors applicable to facultative business are the standard (i.e. non
preferred) M factors.
3. Plans (UL): Commonwealth III.
Premiums to Cologne Per $1,000 Risk Amount
Automatic
Preferred Standard Preferred Standard
Year NonSmoker NonSmoker Smoker Smoker
--------- ------------ ------------ ------------ ------------
All Years (1.37xM)+.15 (1.32XM)+.15 (1.40xM)+.30 (1.25xM)+.35
Facultative
Year NonSmoker Smoker
--------- ------------ ------------
All Years (1.32xM)+.15 (1.25xM)+.35
Where M is the Age/Duration Rate from the attached Mortality Rate Scale reduced
by 5%.
i.e. M Factor = 0.95 x M87
The M factors applicable to facultative business are the standard (i.e. non
preferred) M factors.
4. Plan: Single Premium Whole Life.
Premiums to Cologne Per $1,000 Risk Amount
Automatic and Facultative
Years NonSmoker Smoker
----- ------------ ------------
1 0 0
2+ (1.37xr)+.55 (1.37xr)+.55
Where r is the Age/Duration Rate from the attached 'r' factors
labeled "7/7/87".
5. Excess Scale to be Applied to amounts in Excess of $2,000,000.
Premiums to Cologne Per $1,000 Risk Amount
Year NonSmoker Smoker
--------- ------------ ------------
All Years (1.19xR)+.38 (1.24xR)+.20
Where R is the Age/Duration Rate from the attached appropriate Standard (i.e.
non preferred) Mortality rate scale.
-C.1-
1987 MORTALITY ASSUMPTION PER 1000
MPNM Male Pref Non-Smoker Medical
"R" Mortality Rate Scale
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ------ ------ ------ ------ ------ ------ ------ ------
0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319
1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297
2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281
3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282
4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292
5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321
6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415
7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523
8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688
9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846
10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002
11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122
12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198
13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204
14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 0.839
15 0.693 0.830 0.954 1.055 1.124 1.162 0.834 0.792
16 0.840 0.963 1.021 1.078 1.113 0.818 0.788 0.755
17 0.966 1.023 1.048 1.072 0.801 0.770 0.743 0.716
18 0.966 1.011 1.034 0.765 0.762 0.720 0.692 0.667
19 0.924 0.979 0.725 0.715 0.701 0.659 0.635 0.611
20 0.861 0.670 0.675 0.661 0.640 0.588 0.578 0.557
21 0.554 0.610 0.632 0.624 0.605 0.567 0.579 0.572
22 0.484 0.540 0.567 0.556 0.539 0.519 0.514 0.510
23 0.430 0.475 0.503 0.494 0.487 0.465 0.463 0.460
24 0.373 0.412 0.439 0.444 0.435 0.423 0.416 0.421
25 0.332 0.364 0.396 0.400 0.405 0.393 0.395 0.405
26 0.307 0.340 0.365 0.376 0.386 0.387 0.394 0.402
27 0.299 0.321 0.348 0.364 0.380 0.392 0.401 0.414
28 0.298 0.321 0.342 0.364 0.385 0.400 0.414 0.440
29 0.307 0.325 0.348 0.375 0.400 0.419 0.447 0.470
30 0.313 0.336 0.364 0.385 0.414 0.447 0.469 0.507
31 0.316 0.348 0.370 0.400 0.434 0.464 0.500 0.543
32 0.320 0.352 0.382 0.417 0.448 0.489 0.535 0.587
33 0.313 0.352 0.392 0.429 0.474 0.520 0.575 0.629
34 0.299 0.350 0.392 0.441 0.494 0.548 0.605 0.666
35 0.301 0.356 0.411 0.472 0.530 0.591 0.653 0.724
36 0.304 0.376 0.443 0.514 0.583 0.650 0.726 0.805
37 0.321 0.402 0.482 0.565 0.644 0.721 0.805 0.893
38 0.344 0.439 0.535 0.626 0.716 0.801 0.891 0.997
39 0.375 0.489 0.594 0.697 0.794 0.889 0.993 1.115
40 0.412 0.543 0.663 0.779 0.879 0.985 1.109 1.244
41 0.450 0.599 0.740 0.863 0.977 1.100 1.230 1.375
42 0.489 0.659 0.810 0.952 1.086 1.218 1.359 1.518
43 0.528 0.714 0.886 1.048 1.196 1.340 1.491 1.663
44 0.566 0.773 0.969 1.148 1.305 1.463 1.628 1.810
45 0.611 0.841 1.055 1.255 1.427 1.599 1.778 1.980
46 0.660 0.909 1.146 1.371 1.568 1.754 1.956 2.180
47 0.709 0.989 1.252 1.504 1.733 1.946 2.165 2.417
48 0.759 1.077 1.375 1.656 1.934 2.178 2.426 2.715
49 0.814 1.175 1.511 1.838 2.158 2.445 2.741 3.068
50 0.870 1.285 1.667 2.033 2.398 2.741 3.087 3.457
51 0.930 1.407 1.837 2.244 2.655 3.053 3.446 3.842
52 0.999 1.537 2.016 2.471 2.919 3.361 3.783 4.234
53 1.072 1.672 2.207 2.699 3.185 3.640 4.108 4.599
54 1.156 1.820 2.405 2.935 3.440 3.923 4.417 4.948
55 1.249 1.985 2.625 3.182 3.723 4.219 4.730 5.301
56 1.362 2.172 2.866 3.475 4.031 4.538 5.079 5.696
57 1.499 2.389 3.161 3.811 4.375 4.912 5.496 6.154
58 1.658 2.661 3.513 4.206 4.798 5.382 6.008 6.696
59 1.856 2.978 3.916 4.666 5.315 5.949 6.610 7.322
60 2.081 3.330 4.364 5.183 5.914 6.589 7.286 8.030
61 2.339 3.709 4.844 5.753 6.557 7.278 8.020 8.839
62 2.631 4.104 5.339 6.357 7.214 8.000 8.821 9.717
63 2.959 4.562 5.890 6.988 7.885 8.742 9.632 10.623
64 3.330 5.098 6.514 7.651 8.599 9.510 10.473 11.563
65 3.743 5.668 7.178 8.346 9.360 10.345 11.392 12.633
66 4.191 6.233 7.833 9.061 10.182 11.276 12.474 13.860
67 4.690 6.750 8.420 9.792 11.078 12.362 13.733 15.378
68 5.232 7.227 8.961 10.526 12.065 13.600 15.290 17.246
69 5.825 7.709 9.494 11.284 13.116 15.040 17.125 19.506
70 6.466 8.173 10.026 12.033 14.253 16.632 19.243 22.134
71 7.104 8.988 11.012 13.212 15.615 18.214 21.072 24.231
72 7.809 9.871 12.090 14.478 17.106 19.950 23.074 26.519
73 8.564 10.824 13.232 15.838 18.709 21.814 25.214 28.984
74 9.241 11.655 14.238 17.040 20.126 23.456 27.115 31.164
75 9.771 12.316 15.048 18.005 21.254 24.771 28.633 32.891
76 10.210 12.868 15.718 18.799 22.192 25.862 29.877 34.310
77 10.658 13.429 16.397 19.612 23.148 26.961 31.138 35.745
78 11.350 14.295 17.455 20.875 24.624 28.673 33.104 37.989
79 12.368 15.578 19.019 22.732 26.808 31.205 36.015 41.310
80 13.419 16.899 20.620 24.638 29.046 33.798 38.990 44.709
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ------ ------ ------ ------ ------- ------- ------- --------
0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15
1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16
2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17
3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18
4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19
5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20
6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.011 21
7 0.683 0.838 0.996 1.139 1.254 1.306 0.990 0.973 22
8 0.842 0.998 1.138 1.250 1.299 0.973 0.954 0.946 23
9 1.001 1.139 1.248 1.294 0.959 0.939 0.929 0.926 24
10 1.139 1.246 1.291 0.946 0.925 0.915 0.911 0.893 25
11 1.223 1.262 0.914 0.890 0.877 0.871 0.851 0.839 26
12 1.231 0.879 0.854 0.838 0.829 0.807 0.794 0.768 27
13 0.856 0.819 0.801 0.789 0.765 0.748 0.721 0.727 28
14 0.801 0.773 0.759 0.733 0.715 0.687 0.690 0.689 29
15 0.761 0.730 0.709 0.688 0.658 0.660 0.656 0.648 30
16 0.723 0.693 0.664 0.640 0.640 0.635 0.626 0.620 31
17 0.685 0.655 0.629 0.629 0.624 0.614 0.607 0.587 32
18 0.643 0.622 0.587 0.593 0.589 0.588 0.577 0.547 33
19 0.597 0.574 0.549 0.558 0.562 0.566 0.546 0.527 34
20 0.543 0.535 0.508 0.524 0.529 0.529 0.522 0.512 35
21 0.579 0.583 0.562 0.562 0.550 0.539 0.534 0.505 36
22 0.517 0.531 0.525 0.515 0.516 0.521 0.515 0.505 37
23 0.470 0.490 0.487 0.486 0.503 0.509 0.514 0.534 38
24 0.437 0.452 0.465 0.472 0.490 0.512 0.539 0.570 39
25 0.417 0.436 0.460 0.473 0.505 0.547 0.581 0.620 40
26 0.418 0.446 0.468 0.498 0.542 0.594 0.639 0.682 41
27 0.439 0.464 0.495 0.540 0.593 0.652 0.705 0.751 42
28 0.462 0.497 0.537 0.588 0.645 0.712 0.772 0.836 43
29 0.503 0.553 0.599 0.649 0.711 0.781 0.854 0.928 44
30 0.553 0.609 0.659 0.715 0.780 0.862 0.941 1.038 45
31 0.602 0.660 0.716 0.780 0.858 0.947 1.043 1.163 46
32 0.648 0.714 0.779 0.858 0.943 1.049 1.168 1.309 47
33 0.695 0.770 0.849 0.935 1.044 1.176 1.316 1.469 48
34 0.736 0.816 0.907 1.015 1.154 1.312 1.468 1.659 49
35 O.805 0.886 0.996 1.128 1.289 1.465 1.646 1.873 50
36 0.888 0.984 1.114 1.263 1.441 1.642 1.850 2.094 51
37 0.991 1.103 1.246 1.407 1.604 1.832 2.069 2.326 52
38 1.110 1.235 1.384 1.562 1.777 2.032 2.316 2.600 53
39 1.244 1.374 1.538 1.729 1.964 2.257 2.596 2.916 54
40 1.383 1.532 1.706 1.912 2.178 2.512 2.910 3.307 55
41 1.533 1.698 1.890 2.126 2.426 2.805 3.271 3.769 56
42 1.692 1.877 2.102 2.377 2.715 3.148 3.679 4.291 57
43 1.848 2.074 2.340 2.662 3.056 3.540 4.137 4.814 58
44 2.015 2.286 2.605 2.989 3.443 3.988 4.608 5.397 59
45 2.204 2.523 2.908 3.355 3.879 4.456 5.158 6.005 60
46 2.432 2.797 3.241 3.757 4.330 4.995 5.765 6.663 61
47 2.727 3.117 3.616 4.173 4.840 5.587 6.437 7.401 62
48 3.077 3.487 4.006 4.642 5.388 6.226 7.187 8.260 63
49 3.467 3.881 4.456 5.149 5.975 6.927 8.020 9.241 64
50 3.859 4.323 4.935 5.689 6.610 7.688 8.937 10.315 65
51 4.283 4.787 5.458 6.305 7.351 8.604 10.051 11.663 66
52 4.711 5.261 6.031 7.007 8.229 9.692 11.402 13.322 67
53 5.131 5.739 6.620 7.735 9.110 10.760 12.717 15.042 68
54 5.550 6.235 7.262 8.558 10.134 12.028 14.393 17.084 69
55 5.988 6.760 7.931 9.403 11.178 13.383 16.078 19.080 70
56 6.450 7.318 8.654 10.326 12.395 14.892 17.969 21.469 71
57 6.940 7.929 9.424 11.341 13.650 16.441 19.872 23.907 72
58 7.498 8.607 10.309 12.443 15.033 18.163 22.030 26.340 73
59 8.166 9.402 11.304 13.705 16.660 20.282 24.543 29.449 74
60 8.967 10.288 12.374 15.019 18.340 22.283 27.047 32.448 75
61 9.859 11.274 13.590 16.565 20.222 24.732 30.078 36.267 76
62 10.840 12.373 14.920 18.103 22.167 27.130 33.050 39.983 77
63 11.865 13.556 16.314 19.881 24.417 30.017 36.689 44.671 78
64 12.967 14.767 17.839 21.790 26.882 33.176 40.666 49.769 79
65 14.170 16.166 19.543 23.947 29.626 36.661 45.024 55.186 80
66 15.622 17.804 21.551 26.438 32.724 40.501 49.800 60.839 81
67 17.384 19.812 23.969 29.349 36.231 44.765 55.031 67.040 82
68 19.580 22.285 26.891 32.751 40.222 49.483 60.721 73.762 83
69 22.222 25.236 30.316 36.670 44.694 54.638 66.888 81.449 84
70 25.286 28.631 34.245 41.081 49.626 60.251 73.546 89.994 85
71 27.670 31.335 37.565 45.138 54.623 66.417 81.186 99.462 86
72 30.289 34.292 41.285 49.819 60.508 73.824 90.508 111.185 87
73 33.096 37.448 45.298 54.878 66.895 81.866 100.665 124.774 88
74 35.565 40.234 48.763 59.182 72.256 88.556 109.650 136.123 89
75 37.527 42.435 51.539 62.661 76.616 94.528 117.243 145.811 90
76 39.130 44.234 53.700 65.264 80.156 98.903 122.716 152.647 91
77 40.753 46.048 55.884 68.185 83.751 103.379 128.295 159.617 92
78 43.291 48.900 59.548 72.662 89.285 110.232 136.825 168.827 93
79 47.061 53.313 64.927 79.257 97.408 120.283 148.146 182.794 94
80 51.055 57.843 70.471 86.041 105.766 129.659 159.693 197.022 95
Universal Lite
1987 MORTALITY ASSUMPTION PER 1000
MNSM Male Non-Smoker Medical
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ------ ------ ------ ------ ------ ------ ------ ------
0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319
1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297
2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281
3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282
4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292
5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321
6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415
7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523
8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688
9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846
10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002
11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122
12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198
13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204
14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.213
15 0.693 0.830 0.954 1.055 1.124 1.162 1.204 1.144
16 0.840 0.963 1.021 1.078 1.113 1.181 1.138 1.091
17 0.966 1.023 1.048 1.072 1.157 1.112 1.073 1.034
18 0.966 1.011 1.034 1.105 1.100 1.039 0.999 0.963
19 0.924 0.979 1.047 1.033 1.013 0.952 0.917 0.882
20 0.861 0.967 0.975 0.955 0.924 0.850 0.835 0.805
21 0.800 0.881 0.913 0.902 0.874 0.819 0.836 0.826
22 0.699 0.780 0.819 0.803 0.779 0.749 0.742 0.737
23 0.621 0.686 0.727 0.713 0.703 0.672 0.669 0.664
24 0.538 0.595 0.633 0.641 0.629 0.612 0.601 0.609
25 0.480 0.525 0.572 0.578 0.585 0.568 0.570 0.585
26 0.444 0.490 0.528 0.543 0.557 0.559 0.569 0.581
27 0.432 0.464 0.503 0.525 0.549 0.566 0.579 0.598
28 0.431 0.463 0.494 0.525 0.556 0.577 0.597 0.635
29 0.444 0.469 0.502 0.541 0.577 0.605 0.645 0.680
30 0.452 0.485 0.525 0.557 0.598 0.646 0.677 0.732
31 0.456 0.502 0.535 0.578 0.627 0.671 0.722 0.784
32 0.462 0.508 0.552 0.602 0.648 0.706 0.773 0.847
33 0.452 0.509 0.566 0.619 0.684 0.751 0.830 0.909
34 0.432 0.506 0.566 0.637 0.713 0.791 0.873 0.962
35 0.435 0.515 0.594 0.682 0.766 0.854 0.944 1.046
36 0.438 0.544 0.640 0.742 0.843 0.939 1.049 1.163
37 0.464 0.580 0.697 0.816 0.930 1.042 1.163 1.290
38 0.497 0.634 0.772 0.905 1.034 1.158 1.287 1.440
39 0.541 0.706 0.858 1.007 1.147 1.284 1.434 1.610
40 0.595 0.784 0.957 1.126 1.270 1.423 1.602 1.797
41 0.650 0.865 1.068 1.246 1.412 1.588 1.777 1.986
42 0.706 0.952 1.170 1.374 1.569 1.760 1.964 2.192
43 0.763 1.031 1.280 1.513 1.727 1.935 2.154 2.402
44 0.818 1.116 1.399 1.658 1.885 2.114 2.352 2.615
45 0.883 1.214 1.524 1.813 2.061 2.310 2.568 2.860
46 0.953 1.313 1.655 1.981 2.265 2.534 2.826 3.149
47 1.025 1.428 1.809 2.172 2.503 2.811 3.128 3.491
48 1.097 1.556 1.986 2.392 2.794 3.146 3.504 3.921
49 1.176 1.697 2.182 2.654 3.117 3.531 3.959 4.431
50 1.256 1.856 2.408 2.937 3.463 3.960 4.459 4.993
51 1.343 2.033 2.653 3.241 3.836 4.410 4.977 5.550
52 1.444 2.221 2.912 3.569 4.216 4.855 5.464 6.116
53 1.549 2.416 3.188 3.898 4.600 5.257 5.934 6.644
54 1.670 2.629 3.473 4.239 4.969 5.666 6.380 7.148
55 1.804 2.867 3.792 4.596 5.377 6.094 6.833 7.656
56 1.967 3.137 4.140 5.019 5.823 6.554 7.337 8.227
57 2.165 3.450 4.566 5.505 6.319 7.096 7.939 8.889
58 2.396 3.844 5.074 6.076 6.930 7.774 8.678 9.672
59 2.681 4.302 5.657 6.740 7.677 8.593 9.547 10.576
60 3.005 4.811 6.304 7.487 8.542 9.517 10.524 11.599
61 3.379 5.358 6.996 8.310 9.471 10.513 11.585 12.767
62 3.800 5.928 7.712 9.182 10.421 11.555 12.742 14.035
63 4.274 6.589 8.508 10.094 11.390 12.627 13.913 15.345
64 4.811 7.364 9.409 11.051 12.420 13.737 15.128 16.702
65 5.406 8.187 10.368 12.056 13.520 14.942 16.455 18.248
66 6.053 9.004 11.315 13.089 14.708 16.287 18.018 20.021
67 6.774 9.750 12.162 14.145 16.001 17.857 19.836 22.212
68 7.558 10.439 12.943 15.205 17.427 19.644 22.086 24.910
69 8.414 11.135 13.714 16.299 18.945 21.725 24.737 28.175
70 9.340 11.805 14.482 17.381 20.588 24.024 27.796 31.971
71 10.262 12.982 15.906 19.083 22.555 26.310 30.438 35.000
72 11.279 14.258 17.463 20.912 24.708 28.817 33.330 38.306
73 12.370 15.635 19.113 22.876 27.024 31.509 36.420 41.866
74 13.348 16.835 20.566 24.613 29.071 33.881 39.167 45.015
75 14.114 17.790 21.735 26.008 30.701 35.781 41.359 47.510
76 14.748 18.587 22.704 27.154 32.055 37.357 43.156 49.559
77 15.395 19.397 23.684 28.329 33.436 38.944 44.978 51.632
78 16.394 20.649 25.213 30.153 35.568 41.417 47.817 54.873
79 17.865 22.502 27.472 32.835 38.722 45.074 52.021 59.671
80 19.383 24.410 29.784 35.589 41.955 48.820 56.319 64.579
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ------ ------ ------ ------- ------- ------- ------- --------
0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15
1 0.282 0.284 0.298 0.333 0.435 O.552 0.729 0.903 l6
2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17
3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18
4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19
5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20
6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.224 21
7 0.683 0.838 0.996 1.139 1.254 1.306 1.235 1.178 22
8 0.842 0.998 1.138 1.250 1.299 1.251 1.191 1.145 23
9 1.001 1.139 1.248 1.294 1.270 1.207 1.159 1.122 24
10 1.139 1.246 1.291 1.291 1.225 1.176 1.137 1.081 25
11 1.223 1.262 1.282 1.214 1.162 1.120 1.062 1.016 26
12 1.231 1.270 1.198 1.143 1.098 1.038 0.990 0.930 27
13 1.236 1.183 1.124 1.076 1.013 0.962 0.900 0.880 28
14 1.157 1.116 1.065 0.999 0.946 0.883 0.861 0.834 29
15 1.099 1.055 0.995 0.939 0.872 0.848 0.819 0.785 30
16 1.044 1.001 0.933 0.872 0.847 0.817 0.781 0.750 31
17 0.989 0.946 0.883 0.857 0.826 0.789 0.758 0.711 32
18 0.928 0.898 0.823 0.809 O.781 0.756 0.720 0.662 33
19 0.862 O.829 0.770 0.761 0.745 0.728 0.682 0.638 34
20 0.784 0.773 0.713 0.715 0.701 0.680 0.651 0.620 35
21 0.837 0.843 0.789 0.767 0.729 0.693 0.666 0.611 36
22 0.747 0.767 0.737 0.703 0.683 0.669 0.643 0.612 37
23 0.678 0.707 0.683 0.662 0.666 0.655 0.641 0.647 38
24 0.631 0.652 0.653 0.643 0.649 0.658 0.673 0.690 39
25 0.602 0.629 0.646 0.645 0.669 0.703 0.725 0.750 40
26 0.604 0.644 0.656 0.679 0.718 0.764 0.797 0.825 41
27 0.634 0.670 0.695 0.736 0.785 0.838 0.879 0.909 42
28 0.668 0.718 0.754 0.802 0.854 0.916 0.964 1.012 43
29 0.727 0.799 0.841 0.886 0.942 1.004 1.066 1.123 44
30 0.799 0.880 0.925 0.975 1.034 1.108 1.174 1.256 45
31 0.869 0.953 1.006 1.064 1.136 1.217 1.302 1.408 46
32 0.936 1.032 1.093 1.169 1.248 1.349 1.458 1.585 47
33 1.004 1.112 1.192 1.275 1.382 1.512 1.642 1.778 48
34 1.063 1.179 1.273 1.384 1.528 1.687 1.831 2.008 49
35 1.162 1.280 1.398 1.539 1.707 1.883 2.054 2.267 50
36 1.283 1.422 1.564 1.723 1.908 2.112 2.308 2.535 51
37 1.431 1.593 1.750 1.918 2.124 2.356 2.582 2.816 52
38 1.604 1.784 1.943 2.130 2.353 2.612 2.889 3.148 53
39 1.798 1.985 2.158 2.358 2.601 2.902 3.240 3.530 54
40 1.997 2.212 2.394 2.607 2.885 3.230 3.631 4.003 55
41 2.214 2.452 2.652 2.899 3.212 3.607 4.082 4.562 56
42 2.444 2.711 2.951 3.241 3.595 4.047 4.591 5.194 57
43 2.669 2.996 3.285 3.630 4.047 4.551 5.162 5.828 58
44 2.910 3.302 3.657 4.076 4.560 5.127 5.750 6.533 59
45 3.183 3.645 4.081 4.575 5.137 5.729 6.436 7.270 60
46 3.513 4.040 4.549 5.123 5.734 6.422 7.194 8.066 61
47 3.939 4.503 5.075 5.690 6.409 7.184 8.032 8.959 62
48 4.445 5.036 5.623 6.330 7.136 8.005 8.968 9.999 63
49 5.008 5.605 6.255 7.021 7.912 8.906 10.008 11.187 64
50 5.573 6.244 6.928 7.757 8.754 9.884 11.151 12.486 65
51 6.187 6.915 7.661 8.597 9.736 11.063 12.541 14.118 66
52 6.804 7.600 8.465 9.556 10.898 12.462 14.227 16.127 67
53 7.412 8.290 9.292 10.547 12.065 13.834 15.868 18.209 68
54 8.016 9.006 10.194 11.670 13.420 15.464 17.960 20.681 69
55 8.650 9.764 11.133 12.823 14.803 17.207 20.062 23.097 70
56 9.317 10.571 12.148 14.081 16.415 19.147 22.422 25.989 71
57 10.024 11.453 13.228 15.465 18.077 21.138 24.796 28.940 72
58 10.831 12.433 14.470 16.968 19.908 23.353 27.489 31.886 73
59 11.795 13.581 15.867 18.689 22.063 26.077 30.624 35.649 74
60 12.952 14.860 17.369 20.480 24.289 28.650 33.749 39.279 75
61 14.241 16.285 19.076 22.589 26.780 31.798 37.531 43.902 76
62 15.657 17.872 20.943 24.686 29.357 34.881 41.239 48.400 77
63 17.138 19.581 22.900 27.111 32.335 38.593 45.780 54.076 78
64 18.730 21.330 25.041 29.714 35.601 42.655 50.743 60.247 79
65 20.468 23.351 27.431 32.655 39.235 47.135 56.180 66.804 80
66 22.565 25.718 30.250 36.051 43.337 52.073 62.140 73.647 81
67 25.110 28.617 33.645 40.021 47.982 57.555 68.667 81.154 82
68 28.283 32.189 37.746 44.661 53.267 63.621 75.767 89.290 83
69 32.098 36.452 42.554 50.004 59.189 70.249 83.462 98.596 84
70 36.524 41.356 48.068 56.020 65.721 77.465 91.770 108.940 85
71 39.967 45.262 52.729 61.552 72.339 85.394 101.303 120.401 86
72 43.750 49.532 57.951 67.935 80.133 94.917 112.935 134.593 87
73 47.806 54.092 63.583 74.833 88.591 105.256 125.608 151.042 88
74 51.371 58.116 68.447 80.703 95.690 113.857 136.820 164.781 89
75 54.206 61.295 72.344 85.447 101.465 121.536 146.294 176.507 90
76 56.521 63.893 75.377 88.996 106.153 127.161 153.124 184.783 91
77 56.865 66.514 78.442 92.979 110.914 132.916 160.085 193.221 92
78 62.532 70.634 83.586 99.084 118.243 141.727 170.729 204.369 93
79 67.977 77.008 91.136 108.078 128.999 154.650 184.854 221.277 94
80 73.746 83.550 98.916 111.329 140.069 166.704 199.263 238.501 95
Universal lite
1987 MORTALITY ASSUMPTION PER 1000
MPSM Male Preferred Smoker Medical
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ------ ------ ------ ------ ------ ------ ------ ------
0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319
1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297
2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281
3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282
4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292
5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321
6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415
7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523
8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688
9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846
10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002
11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122
12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198
13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204
14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.220
15 0.693 0.830 0.954 1.055 1.124 1.162 1.211 1.168
16 0.840 0.963 1.021 1.078 1.113 1.188 1.162 1.130
17 0.966 1.023 1.048 1.072 1.164 1.136 1.112 1.088
18 0.966 1.011 1.034 1.112 1.124 1.077 1.052 1.035
19 0.924 0.979 1.053 1.055 1.049 1.003 0.986 0.966
20 0.861 0.973 0.996 0.990 0.973 0.914 0.914 0.903
21 0.805 0.900 0.946 0.949 0.940 0.896 0.937 0.950
22 0.714 0.808 0.862 0.864 0.853 0.840 0.854 0.874
23 0.643 0.722 0.781 0.781 0.788 0.773 0.793 0.824
24 0.567 0.640 0.694 0.718 0.723 0.725 0.746 0.778
25 0.516 0.575 0.641 0.665 0.693 0.705 0.728 0.764
26 0.486 0.550 0.607 0.644 0.691 0.715 0.742 0.778
27 0.485 0.534 0.596 0.651 0.701 0.738 0.776 0.818
28 0.495 0.549 0.612 0.671 0.726 0.773 0.818 0.875
29 0.526 0.582 0.642 0.706 0.773 0.828 0.888 0.955
30 0.560 0.621 0.685 0.746 0.820 0.890 0.952 1.038
31 0.583 0.656 0.717 0.792 0.863 0.943 1.023 1.129
32 0.602 0.680 0.756 0.829 0.910 1.000 1.113 1.233
33 0.605 0.697 0.779 0.870 0.970 1.081 1.208 1.342
34 0.592 0.697 0.796 0.903 1.027 1.151 1.289 1.437
35 0.599 0.724 0.842 0.982 1.115 1.261 1.410 1.575
36 0.616 0.771 0.922 1.080 1.244 1.404 1.580 1.764
37 0.658 0.836 1.014 1.204 1.389 1.570 1.764 1.977
38 0.716 0.922 1.140 1.352 1.558 1.757 1.973 2.219
39 0.788 1.042 1.282 1.517 1.741 1.968 2.211 2.470
40 0.878 1.172 1.442 1.708 1.948 2.194 2.458 2.746
41 0.970 1.303 1.621 1.910 2.176 2.437 2.715 3.022
42 1.064 1.445 1.795 2.119 2.407 2.690 2.989 3.324
43 1.158 1.580 1.974 2.321 2.640 2.946 3.266 3.619
44 1.254 1.720 2.147 2.534 2.870 3.205 3.544 3.910
45 1.361 1.863 2.329 2.759 3.125 3.481 3.840 4.218
46 1.463 2.006 2.519 3.003 3.413 3.789 4.169 4.593
47 1.566 2.174 2.743 3.273 3.743 4.146 4.562 5.025
48 1.669 2.359 2.993 3.577 4.121 4.588 5.043 5.550
49 1.783 2.557 3.262 3.916 4.546 5.083 5.603 6.162
50 1.893 2.775 3.552 4.283 4.985 5.604 6.200 6.816
51 2.008 2.998 3.869 4.666 5.429 6.132 6.794 7.449
52 2.130 3.238 4.193 5.052 5.863 6.628 7.334 8.014
53 2.259 3.478 4.512 5.421 6.279 7.056 7.776 8.507
54 2.403 3.721 4.830 5.787 6.669 7.425 8.169 8.970
55 2.554 3.987 5.176 6.168 7.046 7.804 8.575 9.419
56 2.735 4.282 5.557 6.577 7.456 8.226 9.026 9.922
57 2.955 4.631 5.983 7.050 7.931 8.730 9.575 10.498
58 3.215 5.037 6.497 7.625 8.526 9.376 10.249 11.188
59 3.513 5.509 7.099 8.292 9.258 10.149 11.044 11.976
60 3.848 6.037 7.756 9.029 10.089 11.009 11.917 12.851
61 4.240 6.592 8.438 9.814 10.955 11.904 12.835 13.826
62 4.676 7.149 9.108 10.621 11.800 12.802 13.798 14.855
63 5.155 7.782 9.841 11.430 12.619 13.675 14.725 15.864
64 5.682 8.519 10.654 12.244 13.451 14.539 15.639 16.855
65 6.253 9.270 11.487 13.056 14.309 15.448 16.606 17.966
66 6.854 9.975 12.254 13.853 15.205 16.437 17.740 19.221
67 7.505 10.559 12.872 14.623 16.148 17.581 19.044 20.777
68 8.184 11.048 13.381 15.345 17.158 18.859 20.659 22.842
69 8.905 11.511 13.840 16.047 18.188 20.322 22.683 25.313
70 9.655 11.914 14.258 16.687 19.258 22.029 24.972 28.133
71 10.356 12.782 15.270 17.851 20.682 23.637 26.784 30.152
72 11.105 13.688 16.335 19.176 22.198 25.358 28.713 32.293
73 11.876 14.625 17.526 20.552 23.781 27.144 30.703 34.524
74 12.486 15.437 18.477 21.659 25.044 28.562 32.298 36.286
75 12.942 15.983 19.126 22.405 25.882 29.506 33.339 37.423
76 13.249 16.356 19.559 22.892 26.433 30.113 33.994 38.124
77 13.547 16.711 19.967 23.361 26.952 30.676 34.600 38.762
78 14.123 17.408 20.792 24.305 28.016 31.860 35.898 40.182
79 15.061 18.556 22.145 25.864 29.787 33.838 38.094 42.595
80 15.984 19.676 23.460 27.377 31.497 35.750 40.203 44.910
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
-- ------ ------ ------ ------ ------- ------- ------- --------
0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15
1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16
2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17
3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18
4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19
5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20
6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.566 21
7 0.683 0.838 0.996 1.139 1.254 1.306 1.517 1.530 22
8 0.842 0.998 1.138 1.250 1.299 1.477 1.486 1.509 23
9 1.001 1.139 1.248 1.294 1.441 1.447 1.468 1.502 24
10 1.139 1.246 1.291 1.406 1.412 1.431 1.463 1.478 25
11 1.223 1.262 1.343 1.343 1.357 1.384 1.394 1.414 26
12 1.231 1.278 1.274 1.283 1.304 1.310 1.324 1.326 27
13 1.243 1.209 1.213 1.227 1.228 1.236 1.233 1.287 28
14 1.181 1.157 1.167 1.164 1.168 1.162 1.210 1.256 29
15 1.139 1.111 1.114 1.113 1.102 1.145 1.185 1.237 30
16 1.099 1.076 1.063 1.059 1.099 1.135 1.183 1.220 31
17 1.063 1.036 1.031 1.069 1.103 1.149 1.183 1.179 32
18 1.016 1.007 0.986 1.038 1.092 1.133 1.148 1.128 33
19 0.966 0.954 0.950 1.022 1.073 1.115 1.115 1.111 34
20 0.902 0.915 0.921 0.990 1.032 1.069 1.090 1.085 35
21 0.991 1.045 1.050 1.084 1.101 1.114 1.120 1.093 36
22 0.926 0.980 1.001 1.020 1.054 1.081 1.104 1.103 37
23 0.867 0.923 0.953 0.982 1.033 1.080 1.110 1.185 38
24 0.823 0.874 0.930 0.960 1.029 1.095 1.184 1.278 39
25 0.807 0.862 0.925 0.982 1.069 1.189 1.289 1.408 40
26 0.827 0.887 0.960 1.043 1.166 1.305 1.438 1.568 41
27 0.873 0.942 1.026 1.149 1.289 1.451 1.605 1.742 42
28 0.938 1.017 1.131 1.264 1.421 1.606 1.774 1.953 43
29 1.030 1.151 1.274 1.416 1.587 1.776 1.976 2.189 44
30 1.151 1.280 1.421 1.578 1.756 1.973 2.198 2.463 45
31 1.264 1.407 1.564 1.737 1.944 2.190 2.451 2.747 46
32 1.382 1.541 1.714 1.922 2.158 2.440 2.732 3.080 47
33 1.500 1.675 1.882 2.118 2.403 2.723 3.066 3.442` 48
34 1.601 1.789 2.032 2.311 2.644 3.025 3.405 3.872 49
35 1.764 1.963 2.244 2.557 2.942 3.364 3.805 4.345 50
36 1.967 2.192 2.497 2.852 3.274 3.758 4.249 4.820 51
37 2.206 2.444 2.783 3.163 3.632 4.166 4.717 5.283 52
38 2.461 2.727 3.079 3.498 3.998 4.584 5.207 5.838 53
39 2.747 3.021 3.406 3.849 4.386 5.024 5.772 6.463 54
40 3.040 3.354 3.755 4.223 4.798 5.528 6.386 7.205 55
41 3.357 3.696 4.128 4.633 5.283 6.093 7.057 8.068 56
42 3.684 4.053 4.531 5.121 5.835 6.722 7.798 9.016 57
43 3.991 4.420 4.986 5.661 6.458 7.427 8.608 9.947 58
44 4.293 4.815 5.479 6.250 7.149 8.214 9.428 10.887 59
45 4.642 5.247 6.013 6.891 7.906 9.024 10.302 11.839 60
46 5.057 5.719 6.583 7.576 8.677 9.875 11.253 12.874 61
47 5.576 6.261 7.211 8.273 9.470 10.796 12.315 14.017 62
48 6.181 6.875 7.855 8.986 10.303 11.791 13.478 15.336 63
49 6.836 7.523 8.531 9.739 11.196 12.860 14.744 16.803 64
50 7.480 8.182 9.234 10.546 12.143 13.990 16.089 18.368 65
51 8.107 8.855 10.008 11.459 13.239 15.334 17.723 20.331 66
52 8.713 9.538 10.840 12.485 14.513 16.918 19.680 22.722 67
53 9.302 10.199 11.664 13.495 15.737 18.384 21.477 25.078 68
54 9.862 10.862 12.531 14.624 17.134 20.107 23.760 27.836 69
55 10.431 11.532 13.404 15.730 18.493 21.869 25.939 30.367 70
56 11.003 12.228 14.318 16.900 20.044 23.783 28.317 33.355 71
57 11.596 12.969 15.253 18.143 21.573 25.647 30.570 36.235 72
58 12.265 13.774 16.311 19.455 23.207 27.659 33.062 38.930 73
59 13.068 14.708 17.479 20.931 25.106 30.132 35.917 42.407 74
60 14.027 15.728 18.690 22.391 26.963 32.280 38.565 45.806 75
61 15.073 16.836 20.037 24.094 28.989 34.908 42.043 50.160 76
62 16.187 18.036 21.461 25.674 30.963 37.539 45.261 54.164 77
63 17.295 19.278 22.883 27.473 33.433 40.692 49.213 59.245 78
64 18.440 20.477 24.380 29.518 36.064 44.051 53.403 64.592 79
65 19.650 21.843 26.182 31.782 38.929 47.656 57.858 70.059 80
66 21.107 23.583 28.287 34.368 42.096 51.520 62.600 75.497 81
67 23.026 25.710 30.816 37.350 45.610 55.702 67.619 81.295 82
68 25.409 28.326 33.846 40.788 49.528 60.187 72.908 87.353 83
69 28.245 31.403 37.340 44.672 53.797 64.941 78.434 94.133 84
70 31.465 34.864 41.258 48.919 58.371 69.937 84.164 101.453 85
71 33.694 37.325 44.240 52.524 62.745 75.238 90.624 109.302 86
72 36.078 39.927 47.512 56.615 67.832 81.573 98.484 119.033 87
73 38.535 42.608 50.910 60.862 73.149 88.180 106.711 131.214 88
74 40.465 44.707 53.485 64.023 77.020 92.926 114.176 140.564 89
75 41.699 46.016 55.140 66.078 79.561 97.435 119.877 147.801 90
76 42.432 46.788 56.005 67.047 81.762 100.103 123.169 151.840 91
77 43.106 47.480 56.779 68.807 83.886 102.712 126.362 155.768 92
78 44.638 49.120 59.430 72.001 87.786 107.473 132.212 163.147 93
79 47.273 52.604 63.628 77.093 93.983 115.053 141.754 174.907 94
80 50.376 56.043 67.793 82.128 100.116 122.811 151.300 186.653 95
Universal Lite
1987 MORTALITY ASSUMPTION PER 1000
MSKM Male Smoker Medical
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ------ ------ ------ ------ ------ ------ ------ ------
0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319
1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297
2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281
3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282
4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292
5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321
6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415
7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523
8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688
9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846
10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002
11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122
12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198
13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204
14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.891
15 0.693 0.830 0.954 1.055 1.124 1.162 1.878 1.811
16 0.840 0.963 1.021 1.078 1.113 1.841 1.802 1.752
17 0.966 1.023 1.048 1.072 1.803 1.760 1.723 1.687
18 0.966 1.011 1.034 1.723 1.742 1.670 1.631 1.605
19 0.924 0.979 1.633 1.635 1.627 1.554 1.528 1.498
20 0.861 1.508 1.544 1.534 1.508 1.416 1.416 1.399
21 1.247 1.396 1.467 1.471 1.457 1.389 1.453 1.473
22 1.107 1.253 1.336 1.338 1.322 1.302 1.323 1.354
23 0.997 1.120 1.211 1.210 1.222 1.198 1.229 1.277
24 0.879 0.992 1.075 1.113 1.121 1.123 1.156 1.206
25 0.799 0.892 0.994 1.030 1.073 1.093 1.129 1.184
26 0.753 0.852 0.941 0.998 1.071 1.108 1.150 1.206
27 0.752 0.828 0.924 1.010 1.087 1.144 1.203 1.268
28 0.768 0.850 0.949 1.041 1.125 1.199 1.268 1.356
29 0.815 0.902 0.995 1.094 1.198 1.284 1.376 1.481
30 O.868 0.962 1.062 1.156 1.270 1.379 1.475 1.608
31 0.904 1.016 1.111 1.227 1.338 1.461 1.586 1.749
32 0.934 1.054 1.172 1.285 1.411 1.550 1.725 1.911
33 0.938 1.080 1.208 1.349 1.503 1.676 1.873 2.080
34 0.917 1.080 1.233 1.400 1.592 1.785 1.998 2.228
35 0.929 1.122 1.306 1.522 1.728 1.954 2.185 2.442
36 0.955 1.194 1.428 1.674 1.928 2.175 2.449 2.735
37 1.020 1.296 1.571 1.866 2.153 2.433 2.735 3.065
38 1.110 1.429 1.766 2.095 2.415 2.723 3.058 3.440
39 1.221 1.615 1.988 2.351 2.698 3.051 3.427 3.829
40 1.361 1.816 2.236 2.648 3.019 3.401 3.810 4.256
41 1.504 2.020 2.513 2.961 3.373 3.777 4.208 4.685
42 1.649 2.239 2.782 3.284 3.730 4.169 4.633 5.152
43 1.795 2.449 3.060 3.598 4.092 4.566 5.062 5.610
44 1.943 2.667 3.328 3.927 4.448 4.967 5.494 6.061
45 2.109 2.887 3.611 4.277 4.844 5.395 5.953 6.538
46 2.267 3.110 3.904 4.655 5.291 5.873 6.461 1.118
47 2.427 3.369 4.251 5.073 5.801 6.426 7.070 7.789
48 2.588 3.657 4.639 5.544 6.387 7.112 7.817 8.603
49 2.763 3.963 5.057 6.069 7.046 7.879 8.685 9.551
50 2.934 4.301 5.506 6.639 7.727 8.687 9.610 10.565
51 3.113 4.647 5.997 7.232 8.415 9.505 10.531 11.546
52 3.301 5.020 6.498 7.831 9.087 10.273 11.367 12.421
53 3.501 5.390 6.994 8.402 9.732 10.936 12.053 13.187
54 3.725 5.768 7.486 8.969 10.337 11.508 12.663 13.904
55 3.958 6.180 8.022 9.561 10.921 12.096 13.292 14.600
56 4.239 6.637 8.613 10.194 11.557 12.750 13.991 15.379
57 4.580 7.178 9.273 10.927 12.293 13.531 14.841 16.273
58 4.983 7.807 10.071 11.819 13.216 14.533 15.885 17.341
59 5.446 8.538 11.004 12.853 14.350 15.731 17.118 18.563
60 5.965 9.358 12.022 13.995 15.638 17.063 18.471 19.919
61 6.573 10.217 13.079 15.212 16.981 18.451 19.894 21.430
62 7.247 11.081 14.118 16.463 18.290 19.843 21.388 23.025
63 7.990 12.062 15.254 17.717 19.560 21.196 22.824 24.589
64 8.806 13.204 16.514 18.978 20.848 22.536 24.241 26.126
65 9.693 14.368 17.805 20.237 22.180 23.944 25.739 27.847
66 10.624 15.462 18.993 21.471 23.569 25.477 27.497 29.792
67 11.633 16.366 19.952 22.666 25.030 27.250 29.518 32.204
68 12.686 17.125 20.741 23.784 26.595 29.232 32.021 35.406
69 13.803 17.843 21.452 24.873 28.191 31.498 35.159 39.235
70 14.966 18.467 22.100 25.864 29.850 34.146 38.706 43.607
71 16.052 19.811 23.669 27.668 32.058 36.637 41.516 46.735
72 17.212 21.216 25.320 29.723 34.407 39.305 44.505 50.054
73 18.408 22.668 27.166 31.856 36.860 42.074 47.590 53.512
74 19.353 23.928 28.639 33.571 38.818 44.272 50.062 56.243
75 20.060 24.774 29.646 34.728 40.117 45.734 51.675 58.006
76 20.537 25.352 30.316 35.483 40.972 46.674 52.690 59.092
77 20.998 25.901 30.948 36.209 41.775 47.547 53.629 60.081
78 21.891 26.982 32.227 37.674 43.426 49.384 55.642 62.283
79 23.344 28.762 34.324 40.089 46.171 52.450 59.046 66.022
80 24.774 30.498 36.364 42.435 48.820 55.412 62.314 69.611
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
-- ------ ------ ------- ------- ------- ------- ------- --------
0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15
1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16
2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17
3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18
4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19
5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20
6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.949 21
7 0.683 0.838 0.996 1.139 1.254 1.306 1.958 1.904 22
8 0.842 0.998 1.138 1.250 1.299 1.976 1.917 1.878 23
9 1.001 1.139 1.248 1.294 2.000 1.937 1.894 1.869 24
10 1.139 1.246 1.291 2.025 1.960 1.915 1.888 1.840 25
11 1.223 1.262 2.006 1.934 1.884 1.852 1.800 1.760 26
12 1.231 1.981 1.903 1.848 1.810 1.753 1.709 1.651 27
13 1.927 1.874 1.811 1.767 1.704 1.654 1.591 1.601 28
14 1.831 1.793 1.744 1.676 1.622 1.555 1.562 1.563 29
15 1.766 1.722 1.664 1.603 1.530 1.533 1.529 1.540 30
16 1.703 1.668 1.588 1.525 1.526 1.520 1.527 1.518 31
17 1.648 1.606 1.540 1.539 1.532 1.538 1.527 1.468 32
18 1.575 1.561 1.473 1.495 1.515 1.517 1.481 1.404 33
19 1.497 1.479 1.419 1.471 1.490 1.493 1.440 1.382 34
20 1.398 1.419 1.376 1.426 1.432 1.431 1.406 1.351 35
21 1.536 1.620 1.569 1.561 1.528 1.491 1.445 1.360 36
22 1.436 1.520 1.496 1.469 1.464 1.447 1.425 1.372 37
23 1.344 1.431 1.423 1.414 1.434 1.446 1.432 1.475 38
24 1.276 1.354 1.389 1.382 1.428 1.466 1.528 1.590 39
25 1.251 1.336 1.382 1.414 1.484 1.591 1.663 1.753 40
26 1.281 1.374 1.435 1.503 1.619 1.747 1.855 1.951 41
27 1.353 1.460 1.533 1.654 1.789 1.943 2.071 2.168 42
28 1.455 1.576 1.689 1.820 1.973 2.149 2.289 2.430 43
29 1.597 1.784 1.903 2.039 2.203 2.377 2.550 2.724 44
30 1.784 1.984 2.123 2.272 2.437 2.641 2.837 3.065 45
31 1.960 2.181 2.336 2.501 2.698 2.931 3.164 3.419 46
32 2.142 2.389 2.561 2.768 2.996 3.266 3.526 3.832 47
33 2.326 2.597 2.811 3.050 3.336 3.644 3.957 4.283 48
34 2.482 2.773 3.035 3.328 3.670 4.049 4.395 4.819 49
35 2.733 3.043 3.352 3.683 4.084 4.502 4.911 5.408 50
36 3.049 3.398 3.731 4.107 4.546 5.029 5.484 5.999 51
37 3.419 3.787 4.157 4.555 5.042 5.576 6.087 6.574 52
38 3.814 4.226 4.599 5.038 5.550 6.135 6.720 7.265 53
39 4.258 4.683 5.088 5.543 6.089 6.724 7.449 8.043 54
40 4.712 5.199 5.610 6.081 6.660 7.399 8.241 8.966 55
41 5.204 5.728 6.167 6.672 7.334 8.155 9.108 10.040 56
42 5.709 6.282 6.769 7.374 8.100 8.998 10.064 11.220 57
43 6.186 6.851 7.449 8.152 8.966 9.941 11.109 12.378 58
44 6.655 7.463 8.185 9.000 9.924 10.994 12.167 13.548 59
45 7.196 8.132 8.982 9.923 10.975 12.078 13.296 14.733 60
46 7.838 8.864 9.835 10.910 12.046 13.218 14.523 16.020 61
47 8.642 9.705 10.772 11.913 13.146 14.450 15.893 17.444 62
48 9.581 10.656 11.735 12.939 14.303 15.782 17.394 19.085 63
49 10.596 11.661 12.744 14.025 15.543 17.212 19.029 20.910 64
50 11.595 12.682 13.794 15.187 16.858 18.725 20.764 22.858 65
51 12.566 13.725 14.951 16.500 18.379 20.524 22.872 25.301 66
52 13.505 14.784 16.193 17.978 20.147 22.644 25.399 28.277 67
53 14.418 15.809 17.425 19.433 21.846 24.607 27.717 31.208 68
54 15.286 16.835 18.720 21.059 23.787 26.913 30.664 34.640 69
55 16.169 17.875 20.024 22.651 25.672 29.271 33.476 37.790 70
56 17.055 18.953 21.389 24.336 27.826 31.833 36.546 41.508 71
57 17.973 20.102 22.787 26.126 29.948 34.327 39.452 45.093 72
58 19.010 21.350 24.366 28.015 32.217 37.020 42.669 48.446 73
59 20.255 22.797 26.112 30.141 34.853 40.330 46.353 52.774 74
60 21.741 24.378 27.921 32.243 37.431 43.205 49.771 57.003 75
61 23.362 26.096 29.933 34.695 40.244 46.722 54.259 62.422 76
62 25.089 27.956 32.061 36.971 42.984 50.244 58.413 67.405 77
63 26.808 29.882 34.184 39.560 46.413 54.465 63.513 73.727 78
64 28.583 31.740 36.420 42.506 50.065 58.961 68.920 80.381 79
65 30.458 33.856 39.112 45.766 54.043 63.786 74.670 87.184 80
66 32.716 36.553 42.258 49.490 58.439 68.958 80.789 93.952 81
67 35.690 39.851 46.035 53.785 63.317 74.555 87.266 101.167 82
68 39.385 43.905 50.562 58.735 68.757 80.558 94.092 108.706 83
69 43.780 48.674 55.781 64.327 74.683 86.921 101.224 117.144 84
70 48.770 54.040 61.634 70.444 81.032 93.607 108.620 126.252 85
71 52.225 57.853 66.089 75.634 87.105 100.703 116.956 136.020 86
72 55.921 61.887 70.977 81.525 94.166 109.183 127.100 148.131 87
73 59.729 66.042 76.053 87.641 101.548 118.025 137.717 163.289 88
74 62.720 69.296 79.899 92.193 106.922 124.377 147.352 174.924 89
75 64.633 71.325 82.372 95.152 110.450 130.412 154.709 183.930 90
76 65.770 72.522 83.664 96.548 113.505 133.984 158.957 188.956 91
77 66.815 73.594 84.821 99.083 116.454 137.476 163.079 193.844 92
78 69.188 76.136 88.781 103.681 121.868 143.849 170.629 203.027 93
79 73.273 81.536 95.052 111.014 130.471 153.994 182.942 217.662 94
80 78.083 86.866 101.274 118.265 l38.984 164.377 195.263 232.279 95
1987 MORTALITY ASSUMPTION PER 1000
FPNM Female Pref. Non-Smoker Medical
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ----- ------ ------ ------ ------ ------ ------ ------
0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168
1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152
2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140
3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137
4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138
5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148
6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189
7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236
8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306
9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373
10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440
11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496
12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538
13 0.202 0.246 0.317 0.382 0.447 0.501 0.540 0.552
14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.409
15 0.317 0.382 0.442 0.492 0.527 0.548 0.411 0.393
16 0.384 0.444 0.475 0.506 0.527 0.406 0.395 0.379
17 0.451 0.482 0.498 0.514 0.404 0.392 0.379 0.367
18 0.460 0.486 0.502 0.391 0.393 0.373 0.360 0.351
19 0.449 0.480 0.374 0.372 0.367 0.347 0.338 0.329
20 0.426 0.349 0.355 0.350 0.341 0.318 0.316 0.306
21 0.308 0.338 0.347 0.340 0.329 0.307 0.311 0.308
22 0.294 0.325 0.339 0.332 0.321 0.306 0.304 0.300
23 0.287 0.315 0.334 0.327 0.319 0.306 0.303 0.302
24 0.276 0.305 0.324 0.324 0.319 0.309 0.305 0.308
25 0.268 0.293 0.316 0.320 0.322 0.314 0.314 0.321
26 0.255 0.280 0.302 0.309 0.318 0.318 0.321 0.330
27 0.256 0.275 0.296 0.310 0.323 0.331 0.340 0.351
28 0.260 0.278 0.297 0.315 0.331 0.345 0.357 0.378
29 0.268 0.284 0.302 0.324 0.346 0.363 0.385 0.410
30 0.278 0.298 0.320 0.340 0.366 0.392 0.415 0.447
31 0.284 0.311 0.332 0.358 0.386 0.417 0.447 0.486
32 0.286 0.315 0.342 0.370 0.402 0.436 0.478 0.523
33 0.280 0.315 0.347 0.383 0.422 0.463 0.511 0.559
34 0.271 0.315 0.355 0.397 0.445 0.493 0.543 0.596
35 0.271 0.323 0.371 0.425 0.477 0.531 0.585 0.645
36 0.271 0.334 0.393 0.455 0.516 0.573 0.637 0.703
37 0.280 0.351 0.420 0.491 0.558 0.623 0.692 0.767
38 0.301 0.383 0.466 0.545 0.620 0.691 0.767 0.854
39 0.328 0.427 0.518 0.605 0.686 0.767 0.853 0.951
40 0.354 0.466 0.566 0.662 0.747 0.832 0.931 1.040
41 0.379 0.503 0.618 0.720 0.812 0.907 1.011 1.124
42 0.411 0.552 0.678 0.792 0.899 1.004 1.115 1.239
43 0.435 0.587 0.725 0.852 0.968 1.080 1.196 1.329
44 0.458 0.621 0.774 0.913 1.034 1.153 1.279 1.419
45 0.483 0.660 0.824 0.976 1.105 1.233 1.369 1.520
46 0.508 0.697 0.875 1.042 1.187 1.326 1.474 1.643
47 0.534 0.741 0.934 1.117 1.285 1.438 1.601 1.786
48 0.558 0.788 1.002 1.205 1.402 1.579 1.758 1.966
49 0.584 0.839 1.077 1.306 1.534 1.737 1.946 2.177
50 0.608 0.898 1.161 1.416 1.669 1.907 2.146 2.403
51 0.651 0.982 1.282 1.566 1.852 2.128 2.402 2.680
52 0.700 1.076 1.411 1.728 2.040 2.349 2.645 2.952
53 0.752 1.173 1.547 1.891 2.231 2.552 2.872 3.208
54 O.813 1.279 1.689 2.061 2.418 2.749 3.088 3.450
55 0.880 1.398 1.848 2.242 2.615 2.958 3.306 3.695
56 0.961 1.533 2.025 2.447 2.833 3.180 3.549 3.968
57 1.061 1.692 2.232 2.685 3.073 3.441 3.839 4.284
58 1.178 1.884 2.481 2.962 3.370 3.768 4.193 4.663
59 1.317 2.109 2.765 3.286 3.731 4.162 4.614 5.101
60 1.477 2.358 3.081 3.647 4.148 4.612 5.088 5.592
61 1.660 2.625 3.417 4.045 4.601 5.096 5.599 6.131
62 1.867 2.903 3.764 4.472 5.064 5.599 6.138 6.715
63 2.098 3.224 4.154 4.918 5.533 6.101 6.680 7.307
64 2.360 3.605 4.596 5.382 6.020 6.620 7.233 7.914
65 2.653 4.009 5.062 5.861 6.538 7.173 7.832 8.593
66 2.972 4.407 5.518 6.352 7.089 7.788 8.528 9.435
67 3.324 4.769 5.924 6.846 7.686 8.495 9.391 10.464
68 3.708 5.102 6.290 7.337 8.333 9.342 10.446 11.736
69 4.127 5.433 6.648 7.833 9.051 10.318 11.696 13.279
70 4.575 5.749 6.995 8.342 9.817 11.399 13.140 15.062
71 5.020 6.303 7.669 9.137 10.741 12.475 14.376 16.427
72 5.504 6.906 8.395 9.994 11.752 13.645 15.683 17.916
73 6.019 7.547 9.166 10.914 12.829 14.864 17.077 19.505
74 6.469 8.102 9.841 11.714 13.749 15.927 18.294 20.884
75 6.817 8.539 10.371 12.331 14.469 16.755 19.237 21.956
76 7.100 8.891 10.792 12.830 15.048 17.419 19.995 22.818
77 7.383 9.244 11.219 13.333 15.630 18.089 20.761 23.685
78 7.832 9.806 11.897 14.132 16.563 19.166 21.991 25.083
79 8.505 10.645 12.908 15.329 17.965 20.782 23.839 27.188
80 9.192 11.498 13.940 16.553 19.393 22.429 25.727 29.337
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
-- ------ ------ ------ ------ ------ ------ ------- --------
0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15
1 0.138 0.I33 0.133 0.142 0.181 0.225 0.291 0.355 16
2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17
3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18
4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19
5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20
6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.415 21
7 0.304 0.368 0.434 0.486 0.524 0.535 0.414 0.398 22
8 0.371 0.436 0.488 0.527 0.538 0.412 0.397 0.383 23
9 0.438 0.491 0.530 0.541 0.410 0.395 0.382 0.371 24
10 0.493 0.532 0.543 0.409 0.394 0.380 0.370 0.357 25
11 0.535 0.546 0.407 0.392 0.379 0.369 0.356 0.347 26
12 0.549 0.405 0.390 0.378 0.368 0.355 0.346 0.329 27
13 0.407 0.389 0.376 0.367 0.355 0.345 0.329 0.334 28
14 0.391 0.375 0.366 0.354 0.345 0.328 0.334 0.335 29
15 0.377 0.361 0.353 0.344 0.328 0.334 0.335 0.337 30
16 0.364 0.352 0.340 0.328 0.334 0.335 0.337 0.339 31
17 0.354 0.342 0.329 0.335 0.337 0.339 0.340 0.333 32
18 0.342 0.332 0.319 0.327 0.333 0.337 0.335 0.326 33
19 0.322 0.316 0.306 0.318 0.326 0.333 0.330 0.326 34
20 0.304 0.304 0.296 0.310 0.318 0.326 0.330 0.330 35
21 0.310 0.314 0.312 0.321 0.328 0.336 0.346 0.348 36
22 0.306 0.313 0.317 0.323 0.335 0.349 0.364 0.372 37
23 0.308 0.319 0.325 0.332 0.349 0.367 0.380 0.406 38
24 0.317 0.330 0.344 0.352 0.375 0.398 0.425 0.455 39
25 0.332 0.348 0.367 0.384 0.412 0.449 0.479 0.513 40
26 0.343 0.364 0.387 0.413 0.450 0.493 0.530 0.564 41
27 0.371 0.396 0.421 0.458 0.500 0.547 0.587 0.620 42
28 0.401 0.431 0.464 0.503 0.549 0.600 0.644 0.689 43
29 0.437 0.481 0.517 0.557 0.604 0.657 0.711 0.766 44
30 0.489 0.537 0.576 0.618 0.667 0.727 0.786 0.855 45
31 0.537 0.589 0.632 0.679 0.736 0.803 0.871 0.954 46
32 0.577 0.634 0.680 0.737 0.800 0.874 0.955 1.051 47
33 0.615 0.678 0.737 0.802 0.881 0.975 1.073 1.177 48
34 0.656 0.724 0.794 0.873 0.974 1.088 1.195 1.327 49
35 0.714 0.786 0.865 0.959 1.074 1.195 1.316 1.467 50
36 0.775 0.855 0.946 1.052 1.175 1.312 1.448 1.609 51
37 0.846 0.936 1.037 1.146 1.280 1.433 1.588 1.749 52
38 0.945 1.047 1.146 1.262 1.402 1.568 1.746 1.920 53
39 1.057 1.162 1.270 1.395 1.552 1.742 1.963 2.157 54
40 1.150 1.268 1.380 1.514 1.685 1.904 2.158 2.399 55
41 1.248 1.377 1.505 1.660 1.862 2.115 2.422 2.740 56
42 1.376 1.523 1.674 1.861 2.088 2.378 2.730 3.127 57
43 1.474 1.650 1.837 2.060 2.331 2.661 3.066 3.520 58
44 1.575 1.786 2.014 2.286 2.604 2.985 3.414 3.944 59
45 1.691 1.936 2.214 2.535 2.910 3.322 3.807 4.390 60
46 1.831 2.105 2.429 2.806 3.225 3.695 4.241 4.869 61
47 2.014 2.301 2.659 3.060 3.525 4.046 4.631 5.290 62
48 2.228 2.524 2.891 3.328 3.840 4.408 5.055 5.769 63
49 2.460 2.756 3.143 3.609 4.161 4.792 5.510 6.304 64
50 2.685 2.999 3.416 3.926 4.549 5.274 6.111 7.038 65
51 2.979 3.322 3.767 4.328 5.018 5.839 6.789 7.840 66
52 3.277 3.650 4.140 4.759 5.528 6.449 7.514 8.689 67
53 3.568 3.980 4.530 5.223 6.077 7.091 8.275 9.593 68
54 3.858 4.321 4.941 5.723 6.662 7.770 9.076 10.506 69
55 4.161 4.682 5.385 6.259 7.293 8.505 9.946 11.468 70
56 4.478 5.070 5.863 6.837 7.977 9.311 10.895 12.613 71
57 4.821 5.496 6.381 7.466 8.730 10.199 11.947 13.904 72
58 5.210 5.963 6.944 8.144 9.544 11.177 13.117 15.392 73
59 5.672 6.483 7.555 8.865 10.423 12.252 14.506 17.039 74
60 6.202 7.060 8.218 9.647 11.375 13.510 16.038 18.854 75
61 6.790 7.692 8.980 10.585 12.638 15.127 18.041 21.368 76
62 7.425 8.391 9.821 11.687 14.044 16.901 20.279 24.182 77
63 8.083 9.128 10.818 12.990 15.751 19.149 23.163 27.743 78
64 8.776 9.960 11.859 14.306 17.460 21.334 25.748 31.048 79
65 9.602 10.911 13.080 15.918 19.570 23.944 29.088 35.265 80
66 10.587 12.031 14.469 17.647 21.616 26.488 32.242 38.987 81
67 11.789 13.405 16.192 19.707 24.188 29.702 36.275 43.918 82
68 13.289 15.088 18.121 21.968 26.842 32.841 40.087 48.444 83
69 15.084 17.022 20.459 24.735 30.107 36.754 44.922 54.595 84
70 17.099 19.245 23.133 27.850 33.743 41.063 50.207 61.506 85
71 18.646 20.981 25.392 30.761 37.482 45.837 56.298 69.261 86
72 20.332 22.864 27.965 34.200 42.009 51.748 63.977 79.169 87
73 22.123 24.872 30.749 37.939 46.967 58.248 72.454 90.785 88
74 23.681 26.623 33.134 41.118 51.161 63.728 80.088 100.725 89
75 24.895 27.976 35.058 43.759 54.706 68.845 86.868 109.657 90
76 25.862 29.058 36.411 45.441 57.123 71.909 90.777 114.627 91
77 26.840 30.153 37.779 47.383 59.583 75.043 94.762 119.718 92
78 28.420 31.925 40.179 50.407 63.418 79.897 100.943 126.562 93
79 30.903 34.739 43.733 54.894 69.084 87.079 109.239 136.951 94
80 33.352 37.626 47.391 59.504 74.923 93.819 117.683 147.537 95
1987 MORTALITY ASSUMPTION PER 1000
FNSM Female Non-Smoker Medical
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ------ ------ ------ ------ ------ ------ ------ ------
0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168
1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152
2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140
3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137
4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138
5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148
6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189
7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236
8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306
9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373
10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440
11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496
12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538
13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552
14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.591
15 0.317 0.382 0.442 0.492 0.527 0.548 0.594 0.567
16 0.384 0.444 0.475 0.506 0.527 0.587 0.570 0.547
17 0.451 0.482 0.498 0.514 0.583 0.566 0.547 0.529
18 0.460 0.486 0.502 0.564 0.567 0.538 0.520 0.507
19 0.449 0.480 0.540 0.538 0.530 0.501 0.488 0.475
20 0.426 0.504 0.513 0.506 0.492 0.459 0.456 0.442
21 0.445 0.489 0.502 0.492 0.476 0.444 0.449 0.445
22 0.425 0.470 0.490 0.480 0.464 0.442 0.439 0.434
23 0.415 0.456 0.482 0.472 0.461 0.442 0.437 0.436
24 0.398 0.440 0.467 0.468 0.461 0.446 0.440 0.444
25 0.387 0.423 0.457 0.462 0.465 0.454 0.454 0.464
26 0.369 0.404 0.436 0.446 0.459 0.459 0.464 0.476
27 0.369 0.397 0.427 0.448 0.466 0.478 0.491 0.507
28 0.375 0.401 0.429 0.454 0.478 0.498 0.516 0.545
29 0.387 0.410 0.437 0.468 0.500 0.524 0.556 0.592
30 0.402 0.430 0.462 0.491 0.528 0.566 0.599 0.646
31 0.411 0.449 0.480 0.518 0.558 0.602 0.646 0.702
32 0.413 0.455 0.494 0.535 0.580 0.630 0.690 0.755
33 0.404 0.455 0.502 0.553 0.609 0.669 0.738 0.807
34 0.391 0.454 0.512 0.574 0.643 0.712 0.785 0.861
35 0.391 0.466 0.535 0.614 0.689 0.767 0.845 0.932
36 0.391 0.482 0.568 0.657 0.745 0.828 0.920 1.015
37 0.405 0.507 0.607 0.710 0.806 0.899 0.999 1.107
38 0.435 0.553 0.674 0.787 0.895 0.997 1.108 1.233
39 0.474 0.617 0.748 0.873 0.991 1.108 1.232 1.374
40 0.512 0.672 0.817 0.957 1.078 1.202 1.345 1.502
41 0.548 0.726 0.893 1.040 1.172 1.311 1.460 1.624
42 0.594 0.797 0.979 1.144 1.298 1.450 1.610 1.789
43 0.628 0.848 1.048 1.231 1.399 1.560 1.728 1.920
44 0.661 0.897 1.118 1.319 1.493 1.666 1.847 2.050
45 0.697 0.953 1.191 1.410 1.596 1.781 1.977 2.195
46 0.734 1.007 1.264 1.505 1.715 1.915 2.129 2.373
47 0.771 1.070 1.349 1.613 1.856 2.078 2.312 2.580
48 0.806 1.138 1.447 1.740 2.026 2.281 2.539 2.840
49 0.843 1.212 1.556 1.881 2.215 2.508 2.811 3.145
50 0.879 1.296 1.677 2.045 2.410 2.754 3.100 3.472
51 0.941 1.419 1.852 2.262 2.675 3.074 3.469 3.871
52 1.010 1.554 2.037 2.496 2.947 3.393 3.821 4.264
53 1.087 1.694 2.235 2.731 3.223 3.686 4.148 4.633
54 1.174 1.848 2.440 2.977 3.492 3.971 4.461 4.983
55 1.271 2.019 2.670 3.238 3.778 4.272 4.776 5.337
56 1.389 2.214 2.925 3.535 4.092 4.593 5.127 5.731
57 1.532 2.444 3.224 3.879 4.439 4.971 5.545 6.188
58 1.701 2.721 3.584 4.279 4.868 5.443 6.056 6.735
59 1.903 3.046 3.994 4.746 5.389 6.012 6.665 7.367
60 2.134 3.405 4.450 5.269 5.992 6.661 7.350 8.077
61 2.398 3.792 4.936 5.843 6.646 7.360 8.088 8.857
62 2.697 4.193 5.437 6.459 7.315 8.087 8.866 9.700
63 3.031 4.657 6.000 7.103 7.992 8.813 9.650 10.554
64 3.409 5.207 6.638 7.774 8.695 9.562 10.447 11.431
65 3.832 5.790 7.312 8.466 9.444 10.361 11.313 12.413
66 4.292 6.366 7.970 9.175 10.240 11.249 12.319 13.628
67 4.802 6.888 8.556 9.888 11.102 12.271 13.564 15.114
68 5.356 7.370 9.085 10.598 12.036 13.494 15.089 16.953
69 5.962 7.847 9.603 11.315 13.074 14.903 16.894 19.180
70 6.609 8.304 10.104 12.049 14.181 16.466 18.980 21.757
71 7.251 9.104 11.077 13.198 15.514 18.020 20.766 23.728
72 7.950 9.975 12.127 14.436 16.975 19.710 22.653 25.879
73 8.694 10.901 13.240 15.764 18.531 21.470 24.667 28.175
74 9.344 11.704 14.215 16.920 19.859 23.006 26.425 30.166
75 9.847 12.334 14.980 17.812 20.899 24.202 27.787 31.715
76 10.256 12.843 15.588 18.532 21.737 25.161 28.882 32.959
77 10.664 13.352 16.205 19.259 22.577 26.129 29.989 34.212
78 11.314 14.164 17.184 20.412 23.924 27.685 31.764 36.230
79 12.285 15.376 18.645 22.142 25.949 30.018 34.435 39.272
80 13.278 16.608 20.136 23.910 28.012 32.398 37.161 42.376
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
-- ------ ------ ------ ------ ------ ------- ------- --------
0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15
1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16
2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17
3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18
4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19
5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20
6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.502 21
7 0.304 0.368 0.434 0.488 0.524 0.535 0.516 0.482 22
8 0.371 0.436 0.486 0.527 0.538 0.530 0.495 0.463 23
9 0.438 0.491 0.530 0.541 0.543 0.508 0.476 0.450 24
10 0.493 0.532 0.543 0.557 0.521 0.489 0.462 0.432 25
11 0.535 0.546 0.571 0.535 0.502 0.475 0.445 0.420 26
12 0.549 0.585 0.548 0.515 0.488 0.457 0.432 0.399 27
13 0.588 0.562 0.528 0.501 0.470 0.444 0.410 0.404 28
14 0.564 0.541 0.514 0.482 0.457 0.422 0.417 0.405 29
15 0.544 0.522 0.495 0.469 0.434 0.429 0.418 0.408 30
16 0.525 0.508 0.477 0.447 0.442 0.431 0.421 0.410 31
17 0.512 0.494 0.462 0.457 0.446 0.436 0.424 0.403 32
18 0.494 0.479 0.448 0.446 0.440 0.433 0.418 0.395 33
19 0.465 0.457 0.430 0.434 0.432 0.428 0.411 0.394 34
20 0.439 0.439 0.415 0.423 0.421 0.419 0.412 0.399 35
21 0.448 0.454 0.438 0.438 0.435 0.432 0.432 0.421 36
22 0.441 0.452 0.445 0.440 0.443 0.449 0.454 0.450 37
23 0.444 0.461 0.456 0.452 0.463 0.472 0.474 0.491 38
24 0.458 0.476 0.483 0.480 0.497 0.511 0.530 0.551 39
25 0.479 0.502 0.515 0.524 0.545 0.577 0.597 0.621 40
26 0.496 0.526 0.544 0.563 0.596 0.633 0.661 0.683 41
27 0.535 0.572 0.591 0.624 0.662 0.703 0.733 0.751 42
28 0.580 0.622 0.651 0.686 0.726 0.772 0.803 0.834 43
29 0.632 0.695 0.726 0.759 0.801 0.845 0.887 0.927 44
30 0.706 0.776 0.809 0.843 0.883 0.934 0.980 1.034 45
31 0.776 0.851 0.887 0.925 0.974 1.032 1.087 1.155 46
32 0.834 0.916 0.955 1.005 1.059 1.124 1.192 1.272 47
33 0.889 0.980 1.034 1.094 1.166 1.253 1.339 1.425 48
34 0.948 1.046 1.115 1.191 1.290 1.399 1.492 1.606 49
35 1.031 1.135 1.215 1.308 1.422 1.537 1.642 1.776 50
36 1.119 1.235 1.328 1.434 1.556 1.686 1.806 1.947 51
37 1.222 1.352 1.456 1.563 1.695 1.842 1.982 2.118 52
38 1.365 1.512 1.608 1.721 1.857 2.017 2.179 2.324 53
39 1.527 1.679 1.783 1.903 2.055 2.239 2.449 2.612 54
40 1.661 1.832 1.937 2.064 2.231 2.448 2.693 2.904 55
41 1.803 1.989 2.113 2.264 2.466 2.720 3.022 3.317 56
42 1.988 2.201 2.349 2.537 2.765 3.058 3.407 3.785 57
43 2.130 2.383 2.578 2.809 3.087 3.422 3.826 4.261 58
44 2.275 2.580 2.827 3.117 3.449 3.837 4.261 4.775 59
45 2.443 2.796 3.108 3.457 3.854 4.271 4.750 5.315 60
46 2.645 3.041 3.410 3.627 4.270 4.751 5.291 5.895 61
47 2.909 3.324 3.733 4.172 4.669 5.202 5.778 6.404 62
48 3.218 3.646 4.058 4.538 5.085 5.667 6.307 6.984 63
49 3.554 3.980 4.412 4.922 5.510 6.161 6.875 7.631 64
50 3.878 4.332 4.795 5.353 6.024 6.781 7.626 8.520 65
51 4.303 4.798 5.287 5.902 6.645 7.507 8.471 9.491 66
52 4.733 5.272 5.811 6.489 7.321 8.292 9.375 10.518 67
53 5.154 5.749 6.359 7.122 8.048 9.117 10.325 11.613 68
54 5.573 6.242 6.936 7.804 8.823 9.990 11.325 12.718 69
55 6.010 6.762 7.558 8.536 9.658 10.935 12.411 13.883 70
56 6.469 7.324 8.229 9.323 10.565 11.971 13.595 15.269 71
57 6.963 7.938 8.957 10.180 11.562 13.112 14.907 16.831 72
58 7.526 8.613 9.747 11.105 12.640 14.371 16.367 18.632 73
59 8.193 9.364 10.605 12.089 13.803 15.752 18.101 20.626 74
60 8.958 10.197 11.535 13.155 15.065 17.371 20.012 22.823 75
61 9.807 11.110 12.604 14.434 16.737 19.449 22.511 25.867 76
62 10.725 12.120 13.786 15.937 18.599 21.730 25.304 29.273 77
63 11.676 13.185 15.185 17.714 20.859 24.620 28.902 33.584 78
64 12.676 14.387 16.647 19.509 23.123 27.429 32.128 37.584 79
65 13.869 15.761 18.360 21.706 25.917 30.785 36.296 42.689 80
66 15.292 17.378 20.310 24.064 28.626 34.056 40.232 47.195 81
67 17.028 19.363 22.729 26.873 32.033 38.188 45.263 53.163 82
68 19.195 21.794 25.436 29.957 35.548 42.224 50.020 58.642 83
69 21.788 24.588 28.717 33.729 39.871 47.255 56.053 66.089 84
70 24.699 27.798 32.472 37.977 44.687 52.795 62.647 74.455 85
71 26.933 30.306 35.642 41.947 49.639 58.933 70.248 83.842 86
72 29.368 33.025 39.254 46.637 55.634 66.533 79.830 95.836 87
73 31.955 35.926 43.162 51.735 62.199 74.891 90.407 109.898 88
74 34.206 38.455 46.509 56.070 67.754 81.936 99.933 121.931 89
75 35.959 40.409 49.210 59.671 72.449 88.515 108.392 132.742 90
76 37.357 41.973 51.109 61.964 75.650 92.454 113.271 130.758 91
77 38.768 43.555 53.029 64.613 78.907 96.483 118.243 144.922 92
78 41.051 46.115 56.397 68.737 83.986 102.725 125.955 153.207 93
79 44.493 50.179 61.366 74.856 91.490 111.958 136.308 165.782 94
80 48.175 54.349 66.521 81.142 99.222 120.624 146.844 178.597 95
Universal LITE
1987 MORTALITY ASSUMPTION PER 1000
FPSM Female Pref. Smoker Medical
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ------ ------ ------ ------ ------ ------ ------ ------
0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168
1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152
2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140
3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137
4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138
5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148
6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189
7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236
8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306
9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373
10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440
11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496
12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538
13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552
14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.593
15 0.317 0.382 0.442 0.492 0.527 0.548 0.596 0.580
16 0.384 0.444 0.475 0.506 0.527 0.589 0.582 0.569
17 0.451 0.482 0.498 0.514 0.585 0.578 0.569 0.560
18 0.460 0.486 0.502 0.566 0.580 0.560 0.550 0.546
19 0.449 0.480 0.542 0.549 0.551 0.530 0.525 0.520
20 0.426 0.505 0.524 0.526 0.521 0.494 0.500 0.495
21 0.447 0.499 0.522 0.520 0.512 0.486 0.502 0.512
22 0.434 0.489 0.518 0.516 0.508 0.495 0.505 0.515
23 0.432 0.482 0.519 0.517 0.516 0.508 0.520 0.537
24 0.421 0.474 0.512 0.525 0.530 O.529 0.542 0.566
25 0.416 0.464 0.512 0.532 0.552 0.559 0.578 0.608
26 0.404 0.453 0.502 0.530 0.565 0.584 0.608 0.639
27 0.414 0.457 0.508 0.551 0.594 0.626 0.659 0.693
28 0.432 0.476 0.528 0.579 0.627 0.668 0.705 0.755
29 0.459 0.505 0.556 0.613 0.671 0.716 0.769 0.830
30 0.495 0.548 0.606 0.659 0.721 0.784 0.841 0.919
31 0.523 0.589 0.643 0.707 0.772 0.845 0.918 1.010
32 0.541 0.610 0.675 0.740 0.814 0.895 0.994 1.101
33 0.542 0.621 0.695 0.777 0.866 0.963 1.076 1.192
34 0.535 0.629 0.719 0.816 0.926 1.038 1.159 1.288
35 0.542 0.654 0.761 0.885 1.005 1.133 1.263 1.405
36 0.549 0.685 0.817 0.958 1.100 1.238 1.387 1.544
37 0.575 0.729 0.885 1.048 1.206 1.356 1.519 1.697
38 0.626 0.807 0.995 1.176 1.350 1.516 1.698 1.897
39 0.691 0.912 1.119 1.317 1.506 1.698 1.895 2.105
40 0.756 1.006 1.232 1.454 1.652 1.850 2.060 2.292
41 0.819 1.094 1.357 1.594 1.804 2.009 2.228 2.469
42 0.896 1.212 1.501 1.761 1.989 2.213 2.448 2.709
43 0.955 1.299 1.612 1.886 2.134 2.371 2.616 2.894
44 1.013 1.381 1.713 2.013 2.269 2.522 2.785 3.066
45 1.072 1.460 1.817 2.143 2.416 2.686 2.957 3.242
46 1.125 1.537 1.921 2.279 2.585 2.864 3.145 3.460
47 1.177 1.626 2.042 2.433 2.776 3.069 3.372 3.715
48 1.225 1.723 2.181 2.602 2.992 3.327 3.656 4.020
49 1.276 1.827 2.326 2.787 3.231 3.612 3.978 4.374
50 1.325 1.939 2.477 2.983 3.471 3.899 4.312 4.743
51 1.407 2.096 2.701 3.257 3.786 4.276 4.740 5.194
52 1.492 2.267 2.934 3.532 4.098 4.635 5.126 5.590
53 1.585 2.440 3.163 3.799 4.403 4.945 5.438 5.931
54 1.691 2.615 3.393 4.068 4.685 5.205 5.709 6.255
55 1.799 2.808 3.648 4.345 4.952 5.468 5.995 6.568
56 1.931 3.025 3.924 4.634 5.237 5.765 6.310 6.912
57 2.093 3.278 4.226 4.965 5.573 6.118 6.687 7.311
58 2.282 3.567 4.587 5.372 5.991 6.565 7.155 7.792
59 2.495 3.899 5.014 5.841 6.499 7.104 7.712 8.342
60 2.731 4.275 5.477 6.355 7.080 7.707 8.322 8.946
61 3.010 4.667 5.954 6.904 7.689 8.334 8.958 9.592
62 3.319 5.057 6.424 7.473 8.282 8.958 9.602 10.267
63 3.656 5.503 6.942 8.043 8.852 9.545 10.213 10.911
64 4.028 6.024 7.516 8.611 9.418 10.120 10.800 11.536
65 4.434 6.556 8.099 9.169 9.996 10.712 11.418 12.221
66 4.860 7.051 8.632 9.711 10.586 11.353 12.129 13.082
67 5.319 7.461 9.056 10.222 11.205 12.081 13.021 14.137
68 5.801 7.801 9.392 10.696 11.851 12.954 14.114 15.545
69 6.310 8.113 9.692 11.140 12.550 13.940 15.492 17.232
70 6.833 8.381 9.949 11.567 13.264 15.099 17.052 19.146
71 7.318 8.964 10.634 12.345 14.226 16.190 18.274 20.443
72 7.827 9.576 11.343 13.237 15.250 17.345 19.517 21.818
73 8.346 10.196 12.141 14.163 16.307 18.498 20.796 23.233
74 8.740 10.732 12.771 14.890 17.110 19.395 21.790 24.317
75 9.029 11.081 13.183 15.346 17.619 19.957 22.399 24.982
76 9.214 11.302 13.430 15.624 17.924 20.283 22.751 25.354
77 9.385 11.504 13.662 15.881 18.200 20.582 23.069 25.685
78 9.747 11.941 14.170 16.455 18.846 21.297 23.848 26.532
79 10.357 12.679 15.030 17.442 19.962 22.537 25.217 28.034
80 10.949 13.388 15.861 18.393 21.030 23.725 26.527 29.468
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
-- ------ ------ ------ ------ ------ ------ ------- --------
0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15
1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16
2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17
3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18
4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19
5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20
6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.641 21
7 0.304 0.368 0.434 0.486 0.524 0.535 0.632 0.626 22
8 0.371 0.436 0.488 0.527 0.538 0.623 0.618 0.613 23
9 0.438 0.491 0.530 0.541 0.615 0.609 0.605 0.605 24
10 0.493 0.532 0.543 0.605 0.601 0.597 0.598 0.592 25
11 0.535 0.546 0.596 0.592 0.588 0.590 0.585 0.585 26
12 0.549 0.587 0.583 0.580 0.582 0.578 0.578 0.568 27
13 0.590 0.574 0.572 0.574 0.570 0.571 0.562 0.592 28
14 0.577 0.563 0.566 0.563 0.564 0.555 0.586 0.612 29
15 0.566 0.553 0.555 0.557 0.549 0.580 0.606 0.638 30
16 0.556 0.547 0.544 0.542 0.574 0.600 0.633 0.664 31
17 0.551 0.541 0.539 0.570 0.597 0.629 0.660 0.672 32
18 0.541 0.537 0.537 0.574 0.611 0.647 0.670 0.674 33
19 0.521 0.526 0.531 0.579 0.620 0.659 0.674 0.685 34
20 0.506 0.521 0.532 0.583 O.622 0.660 0.687 0.703 35
21 0.532 0.559 0.581 0.622 0.658 0.693 0.730 0.751 36
22 0.543 0.576 0.607 0.640 0.683 0.729 0.778 0.813 37
23 0.566 0.604 0.637 0.670 0.722 0.778 0.823 0.900 38
24 0.600 0.639 0.687 0.720 0.786 0.853 0.933 1.022 39
25 0.643 0.686 0.742 0.796 0.874 0.975 1.064 1.167 40
26 0.677 0.729 0.794 0.867 0.968 1.084 1.193 1.298 41
27 0.741 0.803 0.875 0.974 1.089 1.219 1.338 1.439 42
28 0.813 0.884 0.975 1.085 1.210 1.354 1.479 1.612 43
29 0.898 1.000 1.102 1.215 1.350 1.495 1.646 1.806 44
30 1.017 1.131 1.243 1.366 1.501 1.667 1.835 2.024 45
31 1.132 1.256 1.380 1.512 1.669 1.856 2.042 2.251 46
32 1.231 1.369 1.499 1.655 1.830 2.030 2.231 2.470 47
33 1.329 1.477 1.636 1.815 2.023 2.253 2.496 2.755 48
34 1.429 1.591 1.778 1.985 2.228 2.505 2.770 3.092 49
35 1.568 1.739 1.945 2.171 2.447 2.741 3.036 3.405 50
36 1.715 1.899 2.119 2.371 2.667 2.996 3.327 3.703 51
37 1.881 2.072 2.312 2.574 2.894 3.259 3.620 3.978 52
38 2.092 2.307 2.545 2.822 3.156 3.539 3.931 4.310 53
39 2.331 2.552 2.809 3.108 3.465 3.882 4.363 4.783 54
40 2.525 2.773 3.040 3.344 3.716 4.189 4.737 5.227 55
41 2.729 2.999 3.288 3.623 4.055 4.596 5.226 5.867 56
42 2.997 3.291 3.611 4.009 4.490 5.079 5.788 6.577 57
43 3.185 3.520 3.913 4.382 4.926 5.586 6.386 7.270 58
44 3.360 3.763 4.237 4.780 5.409 6.153 6.983 7.960 59
45 3.563 4.026 4.578 5.209 5.937 6.725 7.606 8.651 60
46 3.809 4.304 4.936 5.664 6.460 7.310 8.274 9.411 61
47 4.118 4.623 5.308 6.064 6.901 7.814 8.816 10.023 62
48 4.476 4.981 5.667 6.444 7.339 8.349 9.483 10.713 63
49 4.855 5.340 6.019 6.825 7.799 8.900 10.130 11.466 64
50 5.202 5.678 6.388 7.280 8.361 9.599 11.006 12.536 65
51 5.640 6.141 6.908 7.869 9.037 10.410 11.973 13.666 66
52 6.058 6.618 7.444 8.479 9.754 11.258 12.968 14.817 67
53 6.470 7.076 7.983 9.116 10.499 12.114 13.972 15.995 68
54 6.859 7.529 8.529 9.782 11.264 12.987 14.984 17.118 69
55 7.249 7.990 9.102 10.470 12.062 13.900 16.047 18.253 70
56 7.643 8.474 9.698 11.188 12.902 14.870 17.169 19.598 71
57 8.056 8.988 10.327 11.945 13.798 15.909 18.379 21.075 72
58 8.521 9.541 10.988 12.733 14.734 17.022 19.687 22.747 73
59 9.075 10.142 11.683 13.539 15.708 18.202 21.228 24.536 74
60 9.702 10.793 12.413 14.384 16.725 19.571 22.867 26.615 75
61 10.380 11.486 13.240 15.395 18.117 21.350 25.217 29.555 76
62 11.088 12.232 14.128 16.575 19.616 23.385 27.772 32.762 77
63 11.783 12.982 15.173 17.950 21.567 25.959 31.072 36.797 78
64 12.481 13.811 16.207 19.380 23.424 28.329 33.815 40.296 79
65 13.314 14.742 17.523 21.126 25.717 31.127 37.382 44.767 80
66 14.303 15.935 18.992 22.942 27.809 33.696 40.528 48.383 81
67 15.615 17.396 20.819 25.082 30.451 36.957 44.574 53.258 82
68 17.246 19.180 22.809 27.360 33.052 39.946 48.134 57.370 83
69 19.174 21.184 25.199 30.130 36.241 43.687 52.676 63.100 84
70 21.279 23.436 27.870 33.165 39.691 47.664 57.457 69.341 85
71 22.706 24.991 29.905 35.796 43.056 51.926 62.845 76.114 86
72 24.217 26.622 32.184 38.865 47.095 57.183 69.616 84.755 87
73 25.759 28.300 34.559 42.077 51.359 62.742 76.803 95.459 88
74 26.944 29.582 36.344 44.483 54.535 66.871 83.384 104.008 89
75 27.662 30.338 37.510 46.145 56.807 70.954 88.817 111.154 90
76 28.046 30.738 37.975 46.681 58.261 72.779 91.112 114.027 91
77 28.391 31.091 38.383 47.809 59.678 74.558 93.340 116.825 92
78 29.304 32.068 40.094 49.947 62.354 77.902 97.535 122.289 93
79 30.940 34.273 42.857 53.395 66.659 83.288 104.514 131.041 94
80 32.905 36.454 45.590 56.801 70.917 88.853 111.498 139.771 95
Universal LITE
1987 MORTALITY ASSUMPTION PER 1000
FSKM Female Smoker Medical
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ------ ------ ------ ------ ------ ------ ------ ------
0 2.784 0.629 0.391 0.298 0.239 0.214 O.184 0.168
1 0.638 0.397 0.303 0.243 0.217 O.187 0.171 0.152
2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140
3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137
4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138
5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148
6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189
7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236
8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306
9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373
10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440
11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496
12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538
13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552
14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.919
15 0.317 0.382 0.442 0.492 0.527 0.548 0.924 0.898
16 0.384 0.444 0.475 0.506 0.527 0.912 0.903 0.682
17 0.451 0.482 0.498 0.514 0.907 0.896 0.882 0.869
18 0.460 0.486 0.502 0.877 0.898 0.867 0.853 0.846
19 0.449 0.480 0.839 0.852 0.854 0.822 0.814 0.806
20 0.426 0.783 0.813 0.815 0.808 0.766 0.775 0.768
21 0.692 0.774 0.809 0.807 0.794 0.754 0.779 0.793
22 0.672 0.757 0.803 0.800 0.787 0.766 0.782 0.798
23 0.669 0.747 0.805 0.802 0.800 0.788 0.805 0.833
24 0.653 0.734 0.794 0.813 0.822 0.820 0.840 0.877
25 0.646 0.719 0.793 0.824 0.856 0.866 0.895 0.942
26 0.627 0.702 0.777 0.821 0.875 0.906 0.943 0.990
27 0.641 0.708 0.787 0.855 0.920 0.970 1.021 1.074
28 0.670 0.738 0.819 0.897 0.972 1.036 1.092 1.171
29 0.712 0.782 0.862 0.950 1.040 1.111 1.193 1.287
30 0.767 0.849 0.939 1.021 1.118 1.215 1.303 1.424
31 0.811 0.913 0.997 1.096 1.196 1.310 1.423 1.566
32 0.839 0.946 1.046 1.147 1.262 1.388 1.540 1.707
33 0.840 0.963 1.077 1.204 1.342 1.493 1.668 1.848
34 0.828 0.975 1.114 1.265 1.435 1.609 1.796 1.997
35 0.839 1.014 1.179 1.371 1.557 1.756 1.958 2.178
36 0.850 1.062 1.267 1.485 1.706 1.919 2.150 2.393
37 0.892 1.131 1.372 1.625 1.869 2.102 2.354 2.630
38 0.971 1.251 1.542 1.823 2.092 2.350 2.631 2.940
39 1.071 1.413 1.734 2.041 2.335 2.631 2.937 3.263
40 1.172 1.559 1.910 2.254 2.561 2.867 3.193 3.552
41 1.269 1.696 2.103 2.470 2.796 3.113 3.453 3.827
42 1.388 1.879 2.326 2.729 3.083 3.430 3.794 4.198
43 1.481 2.013 2.499 2.923 3.308 3.675 4.055 4.486
44 1.570 2.140 2.656 3.120 3.518 3.909 4.316 4.752
45 1.662 2.263 2.817 3.322 3.744 4.163 4.584 5.025
46 1.744 2.382 2.977 3.532 4.007 4.440 4.875 5.364
47 1.824 2.521 3.165 3.770 4.303 4.757 5.227 5.758
48 1.899 2.670 3.381 4.033 4.637 5.157 5.667 6.231
49 1.978 2.832 3.606 4.319 5.008 5.599 6.166 6.780
50 2.054 3.005 3.839 4.624 5.380 6.043 6.683 7.352
51 2.180 3.249 4.187 5.048 5.868 6.627 7.347 8.050
52 2.313 3.514 4.548 5.475 6.352 7.185 7.946 8.664
53 2.457 3.782 4.902 5.888 6.824 7.664 8.428 9.192
54 2.620 4.053 5.260 6.305 7.262 8.068 8.849 9.696
55 2.789 4.353 5.654 6.734 7.676 8.475 9.293 10.181
56 2.994 4.689 6.082 7.183 8.118 8.936 9.781 10.714
57 3.244 5.082 6.551 7.695 8.638 9.483 10.365 11.332
58 3.537 5.529 7.110 8.326 9.286 10.176 11.090 12.078
59 3.867 6.044 7.772 9.054 10.074 11.011 11.953 12.930
60 4.233 6.626 8.490 9.850 10.973 11.945 12.899 13.867
61 4.666 7.234 9.228 10.701 11.918 12.917 13.885 14.868
62 5.144 7.838 9.957 11.583 12.837 13.884 14.884 15.913
63 5.666 8.529 10.760 12.466 13.721 14.795 15.830 16.912
64 6.243 9.338 11.649 13.347 14.597 15.686 16.741 17.881
65 6.872 10.162 12.554 14.212 15.493 16.603 17.697 18.943
66 7.533 10.930 13.380 15.052 16.409 17.597 18.800 20.278
67 8.244 11.564 14.037 15.845 17.368 18.726 20.183 21.913
68 8.991 12.091 14.558 16.579 18.369 20.079 21.877 24.095
69 9.780 12.575 15.022 17.267 19.453 21.607 24.012 26.710
70 10.590 12.990 15.420 17.929 20.560 23.403 26.431 29.677
71 11.343 13.894 16.483 19.134 22.050 25.094 28.325 31.687
72 12.132 14.842 17.581 20.517 23.638 26.885 30.251 33.817
73 12.936 15.804 18.819 21.952 25.277 28.671 32.234 36.011
74 13.548 16.634 19.796 23.080 26.520 30.063 33.775 37.692
75 13.995 17.176 20.433 23.786 27.310 30.933 34.719 38.723
76 14.282 17.518 20.817 24.217 27.782 31.438 35.263 39.299
77 14.546 17.830 21.176 24.615 28.210 31.902 35.757 39.812
78 15.108 18.509 21.964 25.505 29.211 33.010 36.964 41.125
79 16.054 19.652 23.296 27.035 30.941 34.932 39.087 43.453
80 16.970 20.752 24.585 28.509 32.597 36.775 41.117 45.676
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
-- ------ ------ ------ ------ ------ ------- ------- --------
0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15
1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16
2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17
3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18
4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19
5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20
6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.798 21
7 0.304 0.368 0.434 0.486 0.524 0.535 0.816 0.780 22
8 0.371 0.436 0.488 0.527 0.538 0.834 0.797 0.763 23
9 0.438 0.491 0.530 0.541 0.853 0.816 0.781 0.753 24
10 0.493 0.532 0.543 0.872 0.834 0.799 0.771 0.737 25
11 0.535 0.546 0.891 0.852 0.817 0.789 0.755 0.727 26
12 0.549 0.910 0.871 0.835 0.808 0.773 0.746 0.707 27
13 0.915 0.889 0.854 0.827 0.792 0.764 0.725 0.737 28
14 0.894 0.873 0.845 0.810 0.783 0.743 0.756 0.761 29
15 0.878 0.857 0.829 0.802 0.762 0.776 0.782 0.794 30
16 0.862 0.848 0.813 0.780 0.796 0.804 0.817 0.826 31
17 0.854 0.839 0.805 0.821 0.829 0.842 0.852 0.836 32
18 0.838 0.832 0.802 0.826 0.848 0.866 0.865 0.839 33
19 0.808 0.815 0.794 0.833 0.861 0.881 0.870 0.852 34
20 0.784 0.808 0.794 0.840 O.863 0.883 0.887 0.875 35
21 0.825 0.866 0.867 0.896 0.913 0.927 0.942 0.934 36
22 0.842 0.893 0.907 0.921 0.948 0.976 1.004 1.012 37
23 0.877 0.936 0.952 0.964 1.003 1.041 1.062 1.120 38
24 0.930 0.990 1.026 1.037 1.092 1.141 1.204 1.272 39
25 0.996 1.063 1.109 1.146 1.214 1.306 1.373 1.452 40
26 1.050 1.130 1.186 1.248 1.343 1.451 1.539 1.615 41
27 1.149 1.245 1.307 1.402 1.512 1.631 1.727 1.791 42
28 1.261 1.370 1.457 1.562 1.619 1.813 1.909 2.006 43
29 1.392 1.550 1.646 1.750 1.874 2.001 2.125 2.247 44
30 1.576 1.753 1.857 1.967 2.084 2.231 2.368 2.519 45
31 1.755 1.947 2.062 2.177 2.318 2.484 2.636 2.801 46
32 1.908 2.122 2.239 2.384 2.541 2.717 2.880 3.073 47
33 2.060 2.289 2.444 2.614 2.809 3.016 3.221 3.428 48
34 2.215 2.466 2.656 2.858 3.093 3.353 3.575 3.848 49
35 2.430 2.696 2.906 3.126 3.397 3.669 3.918 4.237 50
36 2.659 2.944 3.165 3.415 3.702 4.010 4.294 4.608 51
37 2.915 3.211 3.454 3.707 4.017 4.362 4.672 4.950 52
38 3.242 3.576 3.801 4.064 4.382 4.737 5.073 5.364 53
39 3.612 3.955 4.196 4.475 4.810 5.195 5.631 5.952 54
40 3.914 4.298 4.541 4.815 5.159 5.607 6.114 6.504 55
41 4.230 4.648 4.913 5.216 5.630 6.152 6.744 7.301 56
42 4.645 5.101 5.395 5.773 6.233 6.798 7.470 8.165 57
43 4.936 5.456 5.846 6.310 6.839 7.476 8.242 9.047 58
44 5.207 5.833 6.330 6.883 7.509 8.236 9.012 9.906 59
45 5.523 6.241 6.839 7.501 8.243 9.001 9.816 10.766 60
46 5.904 6.671 7.374 8.156 8.968 9.784 10.678 11.711 61
47 6.382 7.166 7.929 8.732 9.580 10.459 11.436 12.473 62
48 6.938 7.721 8.466 9.280 10.188 11.175 12.238 13.331 63
49 7.526 8.277 8.992 9.828 10.827 11.912 13.074 14.268 64
50 8.064 8.801 9.543 10.484 11.606 12.848 14.205 15.601 65
51 8.743 9.519 10.320 11.331 12.546 13.933 15.452 17.007 66
52 9.391 10.257 11.120 12.210 13.541 15.069 16.736 18.439 67
53 10.029 10.967 11.925 13.126 14.575 16.215 18.031 19.905 68
54 10.632 11.669 12.742 14.086 15.637 17.383 19.338 21.303 69
55 11.236 12.384 13.597 15.076 16.745 18.604 20.709 22.714 70
56 11.847 13.134 14.488 16.110 17.911 19.903 22.158 24.388 71
57 12.487 13.931 15.427 17.201 19.155 21.294 23.719 26.226 72
58 13.208 14.788 16.415 18.336 20.454 22.783 25.407 28.307 73
59 14.066 15.720 17.453 19.497 21.806 24.363 27.396 30.534 74
60 15.038 16.729 18.543 20.712 23.218 26.195 29.511 33.121 75
61 16.089 17.803 19.780 22.169 25.150 28.576 32.545 36.779 76
62 17.186 18.960 21.105 23.868 27.232 31.300 35.842 40.770 77
63 18.264 20.122 22.667 25.848 29.940 34.745 40.100 45.791 78
64 19.345 21.407 24.211 27.907 32.518 37.917 43.641 50.146 79
65 20.637 22.850 26.178 30.422 35.701 41.662 48.244 55.710 80
66 22.170 24.700 28.372 33.036 38.605 45.101 52.304 60.210 81
67 24.203 26.965 31.101 36.118 42.273 49.465 57.526 66.276 82
68 26.731 29.729 34.074 39.399 45.884 53.466 62.120 71.394 83
69 29.719 32.834 37.645 43.388 50.310 58.473 67.982 78.525 84
70 32.983 36.325 41.634 47.758 55.100 63.796 74.152 86.291 85
71 35.195 38.735 44.674 51.546 59.772 69.501 81.106 94.720 86
72 37.537 41.264 48.079 55.966 65.379 76.537 89.845 105.472 87
73 39.927 43.864 51.627 60.591 71.299 83.978 99.119 118.794 88
74 41.764 45.853 54.293 64.055 75.707 89.504 107.612 129.432 89
75 42.876 47.024 56.035 66.449 78.862 94.969 114.624 138.325 90
76 43.471 47.644 56.729 67.221 80.880 97.412 117.586 141.900 91
77 44.006 48.192 57.340 68.846 82.846 99.793 120.461 145.383 92
78 45.421 49.706 59.896 71.924 86.562 104.269 125.875 152.182 93
79 47.957 53.123 64.022 76.889 92.538 111.478 134.882 163.073 94
80 51.002 56.504 68.105 81.793 98.449 118.826 143.895 173.938 95
Duration
1 2 3 4 5 6 7 8
---- ----- ----- ----- ----- ----- ----- -----
0 4.__ 1.08 0.__ 0.51 0.41 0.37 0.32 0.29
1 1.10 0.68 0.52 0.42 0.37 0.32 0.29 0.26
2 0._9 0.53 0.42 0.38 0.33 0.30 0.27 0.25
3 0.54 0.43 0.38 0.33 0.30 0.27 0.25 0.24
4 0.44 0.39 0.34 0.31 0.27 0.25 0.24 0.25
5 0.40 0.34 0.31 0.28 0.25 0.25 0.25 0.27
6 0.35 0.32 0.28 0.26 0.25 0.25 0.27 0.34
7 0.32 0.28 0.26 0.25 0.25 0.27 0.34 0.42
8 0.29 0.26 0.25 0.25 0.27 0.34 0.42 0.54
9 0.26 0.25 0.25 0.27 0.34 0.42 0.54 0.66
10 0.26 0.25 0.27 0.34 0.42 0.55 0.66 0.77
11 0.26 0.27 0.34 0.43 0.55 0.66 0.77 0.87
12 0.27 0.35 0.43 0.55 0.66 0.77 0.87 0.94
13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97
14 0.43 0.55 0.66 0.78 0.88 0.95 0.97 0.95
15 0.54 0.66 0.76 0.85 0.92 0.96 0.95 0.92
16 0.66 0.76 0.82 0.88 0.92 0.93 0.93 0.91
17 0.76 0.81 0.85 0.88 0.91 0.90 0.89 0.88
18 0.76 0.81 0.84 0.86 0.89 0.86 0.85 0.85
19 0.72 0.78 0.81 0.82 0.83 0.80 0.80 0.80
20 0.68 0.73 0.76 0.77 0.77 0.74 0.75 0.75
21 0.62 0.69 0.72 0.72 0.71 0.68 0.70 0.71
22 0.58 0.65 0.69 0.69 0.68 0.66 0.67 0.68
23 0.55 0.62 0.67 0.67 0.66 0.65 0.66 0.68
24 0.52 0.58 0.63 0.65 0.65 0.65 0.66 0.68
25 0.49 0.55 0.61 0.63 0.65 0.65 0.67 0.70
26 0.47 0.53 0.58 0.61 0.65 0.66 0.68 0.71
27 0.47 0.51 0.57 0.61 0.65 0.68 0.71 0.74
28 0.48 0.52 0.57 0.62 0.67 0.71 0.74 0.79
29 0.49 0.54 0.59 0.64 0.70 0.74 0.80 0.85
30 0.52 0.57 0.63 0.68 0.74 0.80 0.85 0.92
31 0.54 0.61 0.66 0.72 0.79 0.86 0.92 1.01
32 0.57 0.64 0.70 0.77 0.84 0.92 1.01 1.12
33 0.57 0.66 0.73 0.81 0.90 1.00 1.11 1.22
34 0.57 0.67 0.77 0.87 0.98 1.09 1.21 1.34
35 0.58 0.70 0.81 0.94 1.06 1.19 1.32 1.46
36 0.60 0.74 0.88 1.03 1.17 1.31 1.47 1.63
37 0.63 0.80 0.96 1.14 1.30 1.46 1.63 1.81
38 0.68 0.88 1.07 1.27 1.45 1.62 1.81 2.02
39 0.75 0.98 1.20 1.41 1.61 1.80 2.01 2.23
40 0.83 1.10 1.34 1.58 1.78 1.99 2.22 2.47
41 0.91 1.21 1.50 1.75 1.98 2.20 2.45 2.71
42 0.99 1.33 1.64 1.92 2.18 2.42 2.68 2.97
43 1.07 1.45 1.79 2.10 2.38 2.64 2.92 3.22
44 1.15 1.56 1.94 2.28 2.57 2.86 3.16 3.48
45 1.24 1.68 2.10 2.47 2.79 3.10 3.42 3.76
46 1.32 1.81 2.26 2.68 3.04 3.37 3.71 4.09
47 1.41 1.95 2.45 2.92 3.33 3.69 4.07 4.48
48 1.50 2.11 2.67 3.18 3.67 4.09 4.50 4.96
49 1.59 2.28 2.90 3.49 4.05 4.53 5.01 5.52
50 1.69 2.47 3.16 3.82 4.45 5.01 5.55 6.12
51 1.79 2.67 3.45 4.16 4.85 5.49 6.10 6.70
52 1.90 2.89 3.74 4.52 5.25 5.95 6.60 7.24
53 2.01 3.10 4.03 4.85 5.64 6.35 7.03 7.73
54 2.14 3.33 4.33 5.20 6.00 6.71 7.42 8.18
55 2.28 3.57 4.65 5.55 6.37 7.09 7.82 8.62
56 2.45 3.84 5.00 5.95 6.77 7.50 8.26 9.12
57 2.65 4.17 5.41 6.40 7.23 7.99 8.80 9.70
58 2.89 4.55 5.90 6.95 7.81 8.62 9.47 10.39
59 _.18 5.00 6.47 7.59 8.51 9.37 10.26 11.20
60 _.50 5.51 7.10 8.30 9.32 10.22 11.15 12.11
61 _.87 6.04 7.76 9.06 10.17 11.13 12.09 13.15
62 _.28 6.57 8.4_ 9.86 11.04 12.06 13.12 14.27
63 _.74 7.19 9.14 10.69 11.89 13.01 14.15 15.40
64 _.25 7.91 9.96 11.54 12.79 13.97 15.19 16.57
65 _.81 8.67 10.82 12.42 13.75 15.00 16.33 17.90
66 _.41 9.40 11.65 13.31 14.77 16.16 17.67 19.42
67 _.07 10.04 12.37 14.20 15.88 17.51 19.24 21.31
68 _.78 10.61 12.99 15.09 17.09 19.06 21.19 23.69
69 _.55 11.18 13.61 15.99 18.38 20.84 23.53 26.58
70 _.38 11.71 14.20 16.86 19.75 22.85 26.22 29.91
71 _.26 14.31 17.97 20.54 23.01 25.77 28.81 32.73
72 _.21 15.60 19.60 22.43 25.16 28.17 31.52 35.73
73 _.22 17.01 21.40 24.53 27.51 30.82 34.40 38.82
74 _.33 18.58 23.41 26.83 30.09 33.63 37.37 41.94
75 _.56 20.32 25.60 29.35 32._4 36.54 40.38 45.32
Duration
9 10 11 12 13 14 15 ULT
----- ----- ----- ----- ----- ------ ------ ------
0 0.26 0.2_ 0.23 0.24 0.25 0.32 0.39 0.50 15
1 0.24 0.24 0.24 0.26 0.32 0.40 0.50 0.60 16
2 0.24 0.24 0.26 0.33 0.40 0.51 0.61 0.71 17
3 0.25 0.27 0.33 0.41 0.52 0.62 0.72 0.80 18
4 0.27 0.34 0.41 0.53 0.63 0.73 0.81 0.87 19
5 0.34 0.42 0.53 0.64 0.74 0.82 0.88 0.89 20
6 0.42 0.54 0.65 0.75 0.83 0.89 0.90 0.87 21
7 0.54 0.65 0.76 0.84 0.90 0.92 0.88 0.85 22
8 0.66 0.77 0.86 0.92 0.93 0.90 0.86 0.84 23
9 0.77 0.87 0.93 0.94 0.91 0.88 0.85 0.83 24
10 0.87 0.94 0.96 0.92 0.89 0.86 0.84 0.81 25
11 0.94 0.97 0.93 0.90 0.87 0.85 0.83 0.81 26
12 0.97 0.95 0.91 0.88 0.86 0.84 0.82 0.78 27
13 0.95 0.92 0.89 0.88 0.85 0.83 0.80 0.81 28
14 0.92 0.91 0.89 0.86 0.84 0.81 0.82 0.82 29
15 0.91 0.89 0.87 0.85 0.82 0.83 0.83 0.84 30
16 0.89 0.88 0.85 0.83 0.84 0.85 0.85 0.86 31
17 0.87 0.87 0.84 0.85 0.86 0.87 0.87 0.85 32
18 0.85 0.85 0.82 0.84 0.86 0.88 0.87 0.84 33
19 0.81 0.81 0.79 0.83 0.86 0.88 0.86 0.84 34
20 0.77 0.79 0.78 0.82 0.84 0.86 0.86 0.85 35
21 0.74 0.76 0.77 0.81 0.83 0.85 0.88 0.88 36
22 0.71 0.75 0.77 0.79 0.82 0.86 0.89 0.91 37
23 0.71 0.75 0.77 0.79 0.84 0.88 0.92 0.99 38
24 0.71 0.75 0.79 0.81 0.87 0.92 1.00 1.08 39
25 0.73 0.77 0.82 0.86 0.92 1.02 1.09 1.18 40
26 0.75 0.80 0.86 0.92 1.01 1.12 1.21 1.30 41
27 0.79 0.85 0.91 1.00 1.11 1.23 1.34 1.44 42
28 0.85 0.91 1.00 1.10 1.22 1.35 1.47 1.60 43
29 0.91 1.01 1.11 1.21 1.34 1.48 1.63 1.78 44
30 1.02 1.12 1.23 1.34 1.47 1.63 1.80 1.99 45
31 1.13 1.24 1.36 1.48 1.63 1.81 1.99 2.21 46
32 1.24 1.37 1.50 1.65 1.81 2.01 2.22 2.47 47
33 1.36 1.51 1.65 1.82 2.02 2.25 2.49 2.74 48
34 1.49 1.65 1.82 2.01 2.25 2.51 2.76 3.07 49
35 1.63 1.80 2.00 2.22 2.49 2.78 3.08 3.44 50
36 1.80 1.99 2.21 2.47 2.76 3.10 3.43 3.81 51
37 2.00 2.21 2.46 2.72 3.05 3.43 3.80 4.18 52
38 2.22 2.46 2.70 3.00 3.35 3.77 4.20 4.63 53
39 2.47 2.71 2.98 3.29 3.68 4.13 4.66 5.13 54
40 2.73 2.99 3.28 3.61 4.02 4.55 5.16 5.72 55
41 3.00 3.29 3.61 3.98 4.46 5.06 5.78 6.51 56
42 3.28 3.61 3.97 4.42 4.96 5.64 6.47 7.39 57
43 3.55 3.94 4.38 4.91 5.54 6.30 7.23 8.27 58
44 3.82 4.29 4.83 5.46 6.19 7.05 8.02 9.22 59
45 4.14 4.68 5.32 6.06 6.90 7.83 8.90 10.20 60
46 4.51 5.11 5.84 6.68 7.59 8.61 9.77 11.13 61
47 4.98 5.61 6.41 7.30 8.33 9.46 10.74 12.17 62
48 5.54 6.17 7.00 7.97 9.10 10.37 11.80 13.37 63
49 6.14 6.77 7.64 8.68 9.93 11.35 12.96 14.72 64
50 6.73 7.40 8.31 9.44 10.81 12.40 14.21 16.17 65
51 7.33 8.04 9.04 10.29 11.82 13.63 15.70 17.98 66
52 7.92 8.70 9.80 11.19 12.91 14.94 17.30 19.89 67
53 8.48 9.34 10.58 12.14 14.06 16.33 18.98 22.10 68
54 9.03 9.99 11.39 13.15 15.28 17.79 20.91 24.37 69
55 9.59 10.65 12.25 14.24 16.60 19.51 23.01 26.82 70
56 10.16 11.36 13.14 15.34 18.03 21.22 25.10 29.42 71
57 10.77 12.13 14.10 16.62 19.60 23.13 27.43 32.38 72
58 11.47 12.98 15.22 18.00 21.31 25.26 30.06 35.28 73
59 12.31 13.99 16.44 19.48 23.18 27.62 32.74 38.49 74
60 13.34 15.11 17.76 21.10 25.22 30.01 35.69 42.04 75
61 14.48 16.35 19.24 22.89 27.31 32.64 38.90 45.98 76
62 15.72 17.73 20.87 24.74 29.61 35.50 42.39 50.28 77
63 17.01 19.20 22.52 26.75 32.10 38.59 46.14 55.00 78
64 18.37 20.69 24.29 28.92 34.80 41.92 50.18 60.02 79
65 19.86 22.40 26.32 31.37 37.77 45.54 54.53 65.21 80
66 21.65 24.46 28.77 34.33 41.36 49.89 59.81 71.28 81
67 23.88 26.99 31.73 37.79 45.42 54.68 65.54 77.93 82
68 26.68 30.12 35.31 41.83 50.01 59.94 71.75 85.10 83
69 30.03 33.83 39.49 46.46 55.12 65.68 78.45 93.30 84
70 33.90 38.10 44.26 51.63 60.74 71.89 85.65 102.38 85
71 37.02 41.57 48.57 56.52 66.28 78.58 93.74 111.20 86
72 40.21 44.91 52.49 61.02 71.84 85.27 102.36 120.80 87
73 43.45 48.54 56.66 66.14 77.97 92.62 111.79 132.02 88
74 46.95 52.40 61.43 71.78 84.69 100.61 122.77 141.98 89
75 50.69 56.80 66.66 77.96 91.99 109.85 132.66 149.96 90
EXHIBIT D
REINSURANCE BENEFIT AMOUNTS
Life. Reinsurance benefit amount under Coinsurance shall follow the benefit
pattern of the coinsured plans. Reinsurance benefit amounts under Risk Premium
Reinsurance shall be determined in the manner described in paragraph 1, 2 or 3
below, unless otherwise agreed in specific instances:
1. Cash Value Plans. The reinsurance benefit at each policy duration shall
equal the difference between the face amount of death benefit reinsured and
the terminal reserve for the amount reinsured based on the 1958 CSO
Mortality Table using a 3% interest rate, curtate functions and the
Commissioners Reserve Valuation Method. Cologne may interpolate or use
reasonable approximations for the plan of insurance, etc.
2. Level Term Plans. For level term plans having no cash values and those
running 20 years or less, the reinsurance benefit shall equal the face
amount reinsured, ignoring terminal reserves.
3. Decreasing Term Plans. The reinsurance benefit shall equal the face amount
of death benefit reinsured.
4. Universal Life. The amount of reinsurance is the net amount at risk minus
the retention of the Ceding Company. The net amount at risk is defined to
be the death benefit less the cash value.
If the net amount at risk is reduced, the amount of reinsurance shall be
reduced and any unearned reinsurance premiums associated with the reduction
returned to the Ceding Company.
Life Cession Minimum - $5,000. Unless otherwise agreed, the cases ceded under
this Agreement shall be for at least $5,000 of life reinsurance benefit.
ADB Limits - $5,000 & $150,000. Unless otherwise agreed, any Accidental Death
Benefits ceded under this Agreement shall be for at least $5,000 per cession,
and they shall not exceed $150,000 per life. Cologne's participation in
Accidental Death Benefits shall be limited to $250,000 for total in force and
applied for business.
Disability Waiver of Premium. The reinsurance benefit payable by Cologne in the
event of disability is the annual gross premium to be waived by the Ceding
Company on the ceded portion of the Disability Waiver risk, excluding the
corresponding Waiver Premium. For Universal Life Plans the benefit payable by
Cologne in the event of disability is the cost of insurance premium to be
waived, on the ceded portion of the risk, excluding the Company Waiver Premium.
The Disability Waiver benefit amount reinsured shall, at the Ceding Company's
option, be supplied to Cologne by the Ceding Company for at least ten policy
years at a time, or else determined by Cologne from the Ceding Company rate
materials in its possession, using any reasonable approximations that may be
necessary.
-D-
EXHIBIT D.1
REINSURANCE BENEFIT AMOUNTS
UNIVERSAL LIFE PLANS
Life. Reinsurance benefit amounts under Risk Premium Reinsurance shall be
determined in the manner described below, unless otherwise agreed in specific
instances:
Universal Life. The amount of reinsurance is the net amount at risk minus the
retention of the ceding company. The net amount of risk is defined to be the
death benefit less the cash value.
If the net amount of risk is reduced, the amount of reinsurance shall be reduced
and any unearned reinsurance premiums associated with the reduction returned to
the Ceding Company.
Life Cession Minimum - $5,000. Unless otherwise agreed, the cases ceded under
this Agreement shall be for at least $5,000 of life reinsurance benefit.
ADB Limits - $5,000 & $150,000. Unless otherwise agreed, any Accidental Death
Benefits ceded under this Agreement shall be for at least $5,000 per cession,
and they shall not exceed $150,000 per life. Cologne's participation in
Accidental Death Benefits shall be limited to $250,000 for total in force and
applied for business.
Disability Waiver of Premium. The reinsurance benefit payable by Cologne in the
event of disability is the cost of insurance premium to be waived by the Ceding
Company on the ceded portion of the Disability Waiver risk, less the
corresponding Waiver Premium. The Disability Waiver benefit amount reinsured
shall, at the Ceding Company's option, be supplied to Cologne by the Ceding
Company for at least ten policy years at a time, or else determined by Cologne
from the Ceding Company rate materials in its possession, using any reasonable
approximations that may be necessary.
-D.1-
EXHIBIT E
REPLACEMENTS AND CONVERSIONS
Conditions of Acceptance:
CLR will consider replacements or conversions to the plans reinsured, provided
the following conditions are met:
1. The original policy was issued by the Ceding Company.
2. The Ceding Company has received a release from the original reinsurer.
Allowances upon Acceptance:
First year allowances will apply to any policy on which the Ceding Company has
(a) obtained full current underwriting evidence on the full amount, which is
satisfactory to Cologne, (b) full normal commissions are paid for the new plan
and (c) the Suicide and Contestable provisions apply as if the policy were newly
issued.
Attained age and duration allowances will apply in all other cases, for amounts
up to the amount of the original policy.
The rate scale applicable to any such external replacement or exchange shall be
determined on an individual basis.
-E-
EXHIBIT F
K1038 (3-82) FORM # RCF-100
------------------------------------------------------------------------------------------------------------------------------------
TYPE OF REINSURANCE Cologne life reinsurance company [LOGO] CRE
FAC P.O. Box 300 . Stamford, Connecticut 06904
AUTO [ ] FAC [ ] OBLIG [ ]
REINSURANCE CESSION
MOD
YRT [ ] COINS [ ] COINS [ ]
CEDING COMPANY NAME FOR CLR INTERNAL USE ONLY CO. NUMBER DATE DATED AT
------------------------------------------------------------------------ ------------ --------------------------------
------------------------------------------------------------------------ ------------ --------------------------------
SEX AGE AGE BASIS DATE OF BIRTH STATE OF BIRTH
---- ------------- ---------------
NAME OF INSURED M F NEAREST LAST MO DAY YR
----------------------------------------------------------------- -------------
[ ] [ ] [ ] [ ]
----------------------------------------------------------------- ---- ------------- ---------------
STATE OF RESIDENCE OCCUPATION CURRENCY AVIATION EXCLUSION RIDER
------------------------ ------------------- ---------- NO MIB
US [ ] CAN [ ] OTHER YES [ ] NO [ ] [ ] PRENOTICE OR
------------------------ ------------------- ---------- AUTHORIZATION
------------------------------------------------------------------------------------------------------------------------------------
I. APPLICATION INFORMATION
------------------------------------------------------------------------------------------------------------------------------------
PREVIOUS INSURANCE OF WHICH WE INSURANCE OF WHICH WE REINSURANCE CODE REPORTED WITH
COVERAGE IN FORCE RETAINED NOW APPLIED FOR RETAINED THIS APPLICATION
-------------------------------------------------------------------------------------------------- DATES:
BASE POLICY
RIDER
DWP
ADB
MORTALITY
ASSESMENT
-------------------------------------------------------------------------------------------------- ----------------------------
ALSO SUBMITTED TO: COMENTS
--------------------------------- ---------------------------------------------------------------------
---------------------------------------------------- -----------------------------------------------------------------------------
---------------------------------------------------- ------------------------------- ---------------------------------------
UNDERWRITER PREPARED BY
--------------------------------------------------------------------------------------------------------------
FILED AS INCOMPLETE [ ] AMOUNT REDUCED [ ] POLICY NOT PLACED [ ]
REINSURANCE NOT REQUIRED
REINSURANCE PLACED ELSEWHERE [ ] RATING/REINSURER
--------------------------------------------------------------------------------------------------------------
------------------------------------------------------------------------------------------------------------------------------------
II. CESSION INFORMATION: TO BE COMPLETED WHEN POLICY IS PLACED. (IF SAME AS ABOVE COMPLETE RATING ONLY:)
------------------------------------------------------------------------------------------------------------------------------------
PREVIOUS INSURANCE OF WHICH WE INSURANCE NOW OF WHICH WE REINSURANCE
AVERAGE IN FORCE RETAINED APPLIED FOR WILL RETAIN THIS CESSION SUB STANDARD RATING
--------------------------------------------------------------------------------------------------- -------------------------
BASE POLICY
RIDER
DWP
X STD
ADB X STD
--------------------------------------------------------------------------------------------------- -------------------------
NON NON
POLICY DATE NUMBER OF ORIGINAL POLICY PLAN NAME OF BASE POLICY PAR PAR PLAN NAME OF RIDER PAR PAR
------------------- ------------------------------ ---------------------------------------- -------------------------------
------------------- ------------------------------ ---------------------------------------- -------------------------------
IS NON SMOKER DISCOUNT AVAILABLE ON THIS POLICY? YES [ ] NO [ ] IF SO, DOES THE INSURED QUALIFY? YES [ ] NO [ ]
RESERVE BASIS
------------------------------------------------ ------------ --------
MORTALITY INTEREST VALUATION CUR CONT CEDING COMPANY RATE/M YRS NCX [ ] CX [ ]
------------------------------------------------ COINSURANCE PLAN CODE FLAT ------------ --------
CRVM NL OTHER --------------------- EXTRA
TYPE: OCCUPATIONAL [ ] MORTALITY [ ] AVIATION [ ]
------------------------------------------------ ---------------------
----------------------------------------------------------------------------------- ----------------------------------------------
III. GROSS COINSURANCE PREMIUMS - SHOW GROSS PREMIUMS BASED ON REINSURED AMOUNTS IV. DWP (FOR YRT ONLY)
----------------------------------------------------------------------------------- ----------------------------------------------
POLICY --------- --------
YEARS LIFE SUBSTANDARD DWP ADB FLAT EXTRA TOTAL GROSS RATE/M: BASE RIDER
----------------------------------------------------------------------------------- --------- --------
------- ---------
COMM%: FY REN
------- ---------
ANNUAL REINSURANCE PREMIUM
TO BE WAIVED
----------------------------------------------
LIFE /M
--------- X
RIDER /M AMT
--------- CEDED
ADB /M ------------------------
---------------------- TOTAL PREMIUM
+ POL FEE $
----------------------------------------------
----------------------
V. PRELIMINARY TERM:
----------------------
START DATE PREMIUM
-------------- -------------
----------------------------------------------------------------------------------- -------------- -------------
------------------------------------------------------------------------------------------------------------------------------------
VI. REINSURANCE PREMIUM SCHEDULE - FOR YRT OR COINSURANCE
------------------------------------------------------------------------------------------------------------------------------------
POL REINSURANCE % NET NET % NET % NET % NET POLICY NET
YR BENIFIT ALLOW LIFE SUBSTANDARD ALLOW DWP ALLOW ADB ALLOW FLAT EXTRA FEE TOTAL
------------------------------------------------------------------------------------------------------------------------------------
EXHIBIT G
[LOGO] CRE
SCALE 115
AGE NEAREST BIRTHDAY
NONSMOKER
Basis of Reinsurance: Non refund YRT reinsurance.
Minimum Cession: $25,000.
Female Rates: At female ages 15 and over, use rates of males
4 years younger. At female ages 11-14, use male
age 10 rate. At ages 0-10, use same rates as
for males.
Substandard: Additions per table as attached.
Policy Fee: $20.00 per year.
Recapture: Available after 10 policy years.
Premium Taxes: Not reimbursed.
Interim Insurance: Use third policy year rate for portion of
year covered; no fee.
Term Renewals and Conversions: Use rate for appropriate issue age and
duration since original underwriting and
issue date.
EXHIBIT G
[LOGO] CRE
SCALE 215
AGE NEAREST BIRTHDAY
SMOKER
Basis of Reinsurance: Non refund YRT reinsurance.
Minimum Cession: $25,000.
Female Rates: At female ages 15 and over, use rates of males
4 years younger. At female ages 11-14, use male
age 10 rate. At ages 0-10, use same rates as
for males.
Substandard: Additions per table as attached.
Policy Fee: $20.00 per year.
Recapture: Available after 10 policy years
Premium Taxes: Not reimbursed.
Interim Insurance: Use third policy year rate for portion of
year covered; no fee.
Term Renewals and Conversions: Use rate for appropriate issue age and
duration since original underwriting and
issue date.
Rate Scale 115
Cologne Life Reinsurance Company
Annual Reinsurance Premiums per $1,000
Non Experience Rated / Age Nearest Birthday
Non-Smoker
Issue Duration Ultimate Att
Age 1 2 3 4 5 6 7 8 9 10 Rates Age
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- -------- ---
0 2.46 0.99 0.78 0.65 0.62 0.60 0.57 0.53 0.50 0.44 0.44 10
1 1.04 0.78 0.65 0.62 0.60 0.57 0.53 0.50 0.44 0.44 0.44 11
2 0.75 0.65 0.62 0.56 0.59 0.53 0.50 0.44 0.44 0.44 0.49 12
3 0.62 0.62 0.59 0.59 0.53 0.50 0.44 0.44 0.44 0.50 0.53 13
4 0.53 0.59 0.59 0.53 0.50 0.44 0.44 0.44 0.50 0.53 0.59 14
5 0.51 0.59 0.53 0.50 0.44 0.44 0.44 0.50 0.53 0.59 0.61 15
6 0.50 0.53 0.50 0.44 0.44 0.44 0.50 0.53 0.59 0.61 0.68 16
7 0.45 0.50 0.44 0.44 0.44 0.50 0.53 0.59 0.61 0.68 0.71 17
8 0.42 0.44 0.44 0.44 0.50 0.53 0.59 0.61 0.61 0.71 0.75 18
9 0.42 0.44 0.44 0.50 0.53 0.59 0.61 0.61 0.68 0.75 0.80 19
10 0.42 0.44 0.50 0.53 0.59 0.61 0.61 0.68 0.71 0.80 0.87 20
11 0.42 0.50 0.53 0.59 0.61 0.61 0.65 0.71 0.75 0.85 0.92 21
12 0 45 0.53 0.59 0.61 0.61 0.65 0.71 0.75 0.80 0.89 0.95 22
13 0.45 0.59 0.61 0.61 0.65 0.68 0.75 0.75 0.85 0.94 0.99 23
14 0.55 0.61 0.61 0.65 0.68 0.71 0.75 0.80 0.85 0.96 1.04 24
15 0.55 0.61 0.65 0.65 0.68 0.71 0.77 0.80 0.89 0.96 1.08 25
16 0.61 0.65 0.65 0.68 0.71 0.74 0.80 0.85 0.89 0.95 1.08 26
17 0.61 0.65 0.68 0.71 0.74 0.77 0.80 0.85 0.94 0.95 1.07 27
18 0.61 0.65 0.68 0.71 0.77 0.80 0.85 0.89 0.92 0.94 1.07 28
19 0.61 0.65 0.71 0.72 0.77 0.80 0.85 0.87 0.91 0.94 1.06 29
20 0.65 0.71 0.72 0.77 0.79 0.82 0.84 0.85 0.89 0.92 1.06 30
21 0.64 0.72 0.75 0.77 0.78 0.79 0.82 0.84 0.89 0.92 1.07 31
22 0.62 0.71 0.73 0.76 0.76 0.78 0.82 0.84 0.89 0.93 1.08 32
23 0.61 0.70 0.73 0.75 0.76 0.78 0.82 0.85 0.90 0.94 1.11 33
24 0.60 0.69 0.72 0.74 0.76 0.78 0.83 0.86 0.91 0.95 1.16 34
25 0.60 0.68 0.72 0.74 0.76 0.79 0.84 0.88 0.93 0.98 1.18 35
26 0.59 0.68 0.72 0.74 0.77 0.80 0.84 0.91 0.95 1.02 1.25 36
27 0.60 0.68 0.73 0.75 0.78 0.82 0.85 0.92 0.99 1.07 1.31 37
28 0.61 0.69 0.73 0.76 0.79 0.84 0.88 0.95 1.05 1.14 1.41 38
29 0.61 0.71 0.73 0.77 0.80 0.85 0.91 1.01 1.10 1.21 1.52 39
30 0.61 0.71 0.75 0.79 0.83 0.87 0.96 1.05 1.18 1.29 1.65 40
31 0.61 0.72 0.76 0.80 0.86 0.93 1.02 1.12 1.27 1.39 1.76 41
32 0.62 0.72 0.77 0.84 0.90 0.98 1.07 1.20 1.34 1.50 1.92 42
33 0.62 0.72 0.79 0.87 0.96 1.05 1.17 1.29 1.46 1.62 2.05 43
34 0.61 0.74 0.84 0.93 1.02 1.14 1.26 1.40 1.58 1.74 2.24 44
35 0.62 0.77 0.88 0.98 1.07 1.22 1.36 1.52 1.69 1.89 2.41 45
36 0.63 0.80 0.93 1.04 1.18 1.32 1.47 1.64 1.84 2.05 2.62 46
37 0.66 0.84 0.97 1.11 1.27 1.41 1.58 1.78 1.98 2.24 2.84 47
38 0.69 0.88 1.04 1.19 1.35 1.53 1.72 1.92 2.16 2.43 3.11 48
39 0.72 0.95 1.11 1.28 1.46 1.66 1.86 2.08 2.34 2.64 3.38 49
40 0.77 1.02 1.20 1.37 1.57 1.79 2.01 2.27 2.56 2.87 3.67 50
41 0.82 1.09 1.28 1.48 1.69 1.93 2.18 2.46 2.78 3.13 3.94 51
42 0.87 1.17 1.37 1.58 1.82 2.07 2.36 2.68 3.02 3.38 4.29 52
43 0.93 1.24 1.47 1.69 1.95 2.25 2.58 2.91 3.26 3.66 4.62 53
44 0.99 1.30 1.56 1.83 2.11 2.44 2.80 3.14 3.54 3.91 5.01 54
Rate Scale 115
Cologne Life Reinsurance Company
Annual Reinsurance Premiums per $1,000
Non Experience Rated / Age Nearest Birthday
Non-Smoker
Issue Duration Ultimate Att
Age 1 2 3 4 5 6 7 8 9 10 Rates Age
----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ -------- ---
45 1.05 1.38 1.66 1.96 2.28 2.63 3.00 3.41 3.77 4.25 5.40 55
46 1.09 1.48 1.80 2.13 2.49 2.82 3.24 3.64 4.11 4.59 5.99 56
47 1.16 1.57 1.92 2.28 2.65 3.02 3.46 3.97 4.44 5.08 6.65 57
48 1.21 1.67 2.06 2.44 2.84 3.28 3.75 4.29 4.91 5.69 7.34 58
49 1.28 1.79 2.19 2.61 3.01 3.55 4.06 4.75 5.41 6.26 8.05 59
50 1.35 1.89 2.33 2.76 3.25 3.83 4.49 5.15 5.94 6.85 8.90 60
51 1.43 2.02 2.50 3.00 3.51 4.22 4.94 5.66 6.51 7.50 9.86 61
52 1.55 2.18 2.70 3.26 3.88 4.65 5.43 6.19 7.11 8.23 10.85 62
53 1.65 2.36 2.92 3.61 4.28 5.10 5.93 6.84 7.87 9.07 11.92 63
54 1.79 2.55 3.24 3.92 4.72 5.57 6.47 7.50 8.68 9.88 13.02 64
55 1.93 2.82 3.60 4.34 5.09 6.08 7.09 8.16 9.34 10.72 14.21 65
56 2.13 3.10 4.00 4.79 5.60 6.68 7.80 9.01 10.28 11.76 15.42 66
57 2.34 3.38 4.43 5.28 6.27 7.30 8.54 9.80 11.28 12.81 16.76 67
58 2.60 3.77 4.88 5.87 6.92 8.09 9.39 10.74 12.26 13.93 18.34 68
59 2.87 4.18 5.43 6.51 7.72 8.84 10.21 11.70 13.34 15.25 20.01 69
60 3.18 4.66 6.01 7.20 8.49 9.75 11.10 12.71 14.50 16.56 21.92 70
61 3.58 5.10 6.68 8.14 9.47 10.78 12.38 14.19 16.34 18.75 24.58 71
62 3.99 5.70 7.44 9.16 10.62 12.08 13.88 16.03 18.57 21.05 27.44 72
63 4.45 6.36 8.30 10.17 11.94 13.73 15.75 18.30 20.72 23.45 30.47 73
64 4.93 7.11 9.22 11.42 13.51 15.58 18.13 20.43 23.07 26.00 33.88 74
65 5.47 8.03 10.41 12.83 15.34 18.01 20.20 22.64 25.46 28.87 37.70 75
66 6.10 8.91 11.33 13.74 16.64 19.60 22.10 24.54 27.61 30.12 40.95 76
67 6.82 9.89 12.31 14.60 17.98 21.36 24.22 26.60 29.93 33.15 44.95 77
68 7.48 10.84 13.45 15.94 19.70 23.41 26.60 19.89 32.79 37.22 48.73 78
69 8.20 11.86 14.78 17.57 21.72 25.78 29.33 32.32 36.09 40.17 52.15 79
70 9.02 13.03 16.32 19.50 24.06 28.41 32.32 35.52 39.78 44.54 61.16 80
71 9.94 14.34 18.06 21.67 26.63 31.28 35.52 38.95 43.82 48.84 68.19 81
72 10.96 15.84 20.05 24.12 29.45 34.34 38.89 42.66 48.11 52.80 76.01 82
73 12.14 17.57 22.30 26.82 32.52 37.61 42.37 46.49 52.65 58.38 84.68 83
74 13.46 19.49 24.80 29.76 35.85 41.09 46.08 50.53 57.47 62.82 94.26 84
75 14.92 21.62 27.53 32.99 39.49 44.93 50.17 54.93 62.61 69.17 101.69 85
76 16.52 23.92 30.50 36.50 43.53 49.24 54.78 60.07 68.16 77.17 111.54 86
77 18.27 26.38 33.65 40.30 47.97 54.07 60.07 66.11 76.87 82.87 121.82 87
78 20.17 28.99 37.03 44.42 52.87 59.49 66.14 76.83 80.71 90.09 132.45 88
79 22.24 31.82 40.69 48.88 58.19 65.41 72.78 79.75 87.71 97.67 143.57 89
80 24.53 34.94 44.71 53.75 63.92 71.63 79.75 87.41 95.82 105.65 155.30 90
81 27.08 38.38 49.12 59.09 70.23 78.47 87.41 95.82 105.04 115.15 168.03 91
82 29.91 42.16 53.99 65.02 77.17 85.98 95.82 105.04 115.15 126.23 181.89 92
83 33.04 46.35 59.38 71.54 84.82 94.20 105.04 115.15 126.23 133.97 196.95 93
84 36.52 50.95 65.32 78.75 93.26 103.23 115.15 126.23 133.30 145.13 213.34 94
85 40.38 56.04 71.88 86.72 102.55 113.13 126.23 132.69 142.60 157.26 231.17 95
331.55 96
475.52 97
682.02 98
978.20 99
Rate Scale 215
Cologne Life Reinsurance Company
Annual Reinsurance Premiums per $1,000
Non Experience Rated / Age Nearest Birthday
Smoker
Issue Duration Ultimate Att
Age 1 2 3 4 5 6 7 8 9 10 Rates Age
----- ---- ---- ---- ---- ---- ----- ----- ----- ----- ----- -------- ---
20 1.35 1.41 1.48 1.51 1.51 1.49 1.48 1.48 1.50 1.52 1.83 30
21 1.27 1.33 1.41 1.44 1.43 1.41 1.38 1.41 1.44 1.51 1.84 31
22 1.18 1.25 1.33 1.36 1.37 1.33 1.35 1.38 1.42 1.49 1.84 32
23 1.11 1.17 1.28 1.30 1.31 1.31 1.32 1.37 1.42 1.51 1.85 33
24 1.05 1.12 1.24 1.26 1.27 1.28 1.31 1.37 1.46 1.55 1.88 34
25 1.01 1.07 1.23 1.25 1.26 1.27 1.33 1.41 1.51 1.61 1.92 35
26 0.99 1.07 1.22 1.24 1.27 1.32 1.37 1.44 1.57 1.69 2.05 36
27 1.00 1.07 1.24 1.26 1.31 1.36 1.42 1.54 1.68 1.83 2.20 37
28 1.03 1.11 1.25 1.30 1.36 1.42 1.51 1.64 1.81 1.97 2.40 38
29 1.06 1.17 1.28 1.36 1.42 1.50 1.60 1.76 1.96 2.16 2.62 39
30 1.10 1.21 1.34 1.42 1.50 1.59 1.72 1.91 2.15 2.36 2.87 40
31 1.16 1.26 1.39 1.50 1.59 1.72 1.85 2.07 2.32 2.59 3.17 41
32 1.18 1.31 1.46 1.59 1.68 1.85 2.00 2.27 2.53 2.84 3.46 42
33 1.20 1.35 1.51 1.67 1.81 1.98 2.17 2.46 2.73 3.09 3.78 43
34 1.20 1.38 1.59 1.78 1.95 2.15 2.37 2.65 2.97 3.35 4.11 44
35 1.22 1.41 1.66 1.89 2.09 2.31 2.58 2.87 3.24 3.63 4.46 45
36 1.26 1.50 1.79 2.04 2.28 2.53 2.84 3.17 3.55 4.00 4.90 46
37 1.31 1.59 1.94 2.22 2.49 2.80 3.13 3.50 3.92 4.40 5.39 47
38 1.38 1.73 2.11 2.45 2.71 3.09 3.46 3.84 4.32 4.86 5.92 48
39 1.49 1.90 2.29 2.68 2.96 3.40 3.80 4.23 4.75 5.31 6.47 49
40 1.60 2.06 2.51 2.93 3.24 3.74 4.17 4.65 5.21 5.81 7.07 50
41 1.72 2.26 2.73 3.20 3.53 4.09 4.57 5.10 5.70 6.34 7.71 51
42 1.86 2.45 2.97 3.50 3.86 4.47 4.99 5.58 6.20 6.86 8.39 52
43 1.98 2.61 3.23 3.78 4.21 4.86 5.44 6.06 6.72 7.44 9.08 53
44 2.12 2.81 3.49 4.09 4.58 5.27 5.93 6.60 7.28 8.05 9.83 54
45 2.26 2.98 3.75 4.43 4.98 5.71 6.46 7.17 7.88 8.72 11.19 55
46 2.37 3.18 4.04 4.75 5.38 6.16 7.02 7.78 8.52 9.42 12.07 56
47 2.50 3.38 4.33 5.10 5.78 6.66 7.64 8.48 9.25 10.22 13.09 57
48 2.61 3.63 4.65 5.48 6.19 7.22 8.32 9.24 10.06 11.15 14.18 58
49 2.76 3.90 4.99 5.88 6.62 7.83 9.09 10.06 10.94 12.14 15.40 59
50 2.89 4.17 5.37 6.30 7.06 8.44 9.87 10.92 11.88 13.20 17.18 60
51 3.03 4.45 5.74 6.75 7.54 9.07 10.66 11.80 12.83 14.28 18.73 61
52 3.18 4.72 6.14 7.23 8.03 9.70 11.44 12.64 13.77 15.36 20.35 62
53 3.33 4.97 6.56 7.72 8.56 10.34 12.22 13.48 14.65 16.41 21.99 63
54 3.52 5.25 7.02 8.28 9.14 10.94 12.95 14.28 15.54 17.47 23.73 64
Rate Scale 215
Cologne Life Reinsurance Company
Annual Reinsurance Premiums per $1,000
Non Experience Rated / Age Nearest Birthday
Smoker
Issue Duration Ultimate Att
Age 1 2 3 4 5 6 7 8 9 10 Rates Age
----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ -------- ---
55 3.74 5.53 7.49 8.91 9.82 11.61 13.70 15.10 16.47 18.59 24.64 65
56 4.00 5.90 8.07 9.68 10.61 12.37 14.93 16.03 17.53 19.86 26.78 66
57 4.29 6.33 8.73 10.58 11.62 13.22 15.40 17.03 18.72 21.27 29.20 67
58 4.66 6.82 9.48 11.62 12.79 14.20 16.32 18.11 20.04 22.83 31.94 68
59 5.09 7.39 10.34 12.79 14.06 15.28 17.34 19.31 21.52 24.57 35.02 69
60 5.57 8.04 11.25 14.06 15.19 16.74 18.45 20.62 23.16 26.49 38.44 70
61 6.13 8.79 12.26 15.02 16.63 18.15 19.70 22.05 24.93 28.62 42.22 71
62 6.73 9.62 13.31 16.60 18.15 19.47 21.08 23.61 26.86 30.94 46.35 72
63 7.43 10.55 14.44 18.05 19.36 20.86 22.67 25.34 28.94 33.48 50.83 73
64 8.17 11.56 15.60 19.36 20.78 22.58 24.47 27.20 31.19 36.26 55.71 74
65 9.02 12.68 16.83 20.63 22.42 24.45 26.48 29.26 33.59 39.28 57.40 75
66 9.94 13.90 18.10 21.82 24.29 26.45 28.75 31.47 36.16 42.56 61.38 76
67 10.94 15.23 19.41 22.87 26.36 28.61 31.30 34.16 38.91 46.10 66.44 77
68 11.83 16.48 20.90 24.61 28.55 31.13 34.16 37.40 42.29 50.00 70.98 78
69 12.81 17.82 22.64 26.76 31.13 34.05 37.40 40.94 46.20 54.39 74S84 79
70 13.87 19.31 24.64 29.28 34.05 37.22 40.94 44.70 50.54 59.27 86.49 80
71 15.06 20.98 26.89 32.05 37.22 40.68 44.70 48.60 55.22 64.63 95.01 81
72 16.38 22.87 29.41 35.14 40.68 44.36 48.60 52.62 60.16 70.50 104.26 82
73 17.84 25.02 32.23 38.49 44.36 48.29 52.58 56.96 65.30 76.82 114.37 83
74 19.49 27.39 35.29 42.06 48.29 52.54 56.79 61.51 70.71 83.53 125.33 84
75 21.27 29.94 38.61 45.91 52.54 56.42 61.38 67.62 76.42 90.53 133.07 85
76 23.19 32.64 42.06 50.00 54.90 61.34 67.62 73.44 82.51 97.68 143.58 86
77 25.23 35.49 45.71 54.32 61.13 66.79 73.44 79.58 91.05 104.92 154.25 87
78 27.40 38.43 49.47 58.90 64.35 73.44 79.58 91.05 96.09 112.18 164.91 88
79 29.72 41.56 53.48 63.75 73.44 79.58 86.53 94.15 103.54 119.54 175.71 89
80 32.24 44.95 57.77 68.93 79.58 86.26 94.15 102.44 111.46 127.06 186.79 90
81 34.98 48.63 62.42 74.49 86.23 93.68 102.44 111.46 121.27 135.07 198.56 91
82 37.97 52.61 67.43 80.52 93.46 101.74 111.46 121.27 131.94 143.58 211.07 92
83 41.21 56.93 72.85 87.04 101.27 110.50 121.27 131.94 143.57 152.65 224.39 93
84 44.73 61.59 78.71 94.10 109.76 120.01 131.94 143.57 149.74 162.27 238.55 94
85 48.55 66.64 85.05 101.72 118.95 130.35 143.57 149.74 159.82 172.52 253.60 95
355.40 96
498.06 97
697.99 98
978.20 99
Rate Scale 115/215
Cologne Life Reinsurance Company
Annual Reinsurance Premiums per $1,000
Non Experience Rated / Age Nearest Birthday
Additions per Table Extra [+25%]
Issue Duration Ultimate Att
Age 1 2 3 4 5 6 7 8 9 10 Rates Age
----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- ---
45 0.36 0.47 0.59 0.69 0.79 0.92 1.04 1.17 1.28 1.43 1.84 55
46 0.38 0.51 0.64 0.75 0.86 0.98 1.12 1.26 1.39 1.55 2.00 56
47 0.40 0.55 0.68 0.80 0.92 1.05 1.22 1.37 1.51 1.69 2.20 57
48 0.42 0.58 0.73 0.87 0.99 1.15 1.32 1.49 1.66 1.88 2.40 58
49 0.44 0.62 0.78 0.93 1.05 1.25 1.43 1.63 1.82 2.05 2.62 59
50 0.46 0.66 0.84 0.98 1.14 1.34 1.57 1 76 1.98 2.24 2.92 60
51 0.50 0.71 0.90 1.06 1.22 1.47 1.71 1.93 2.16 2.45 3.20 61
52 0.53 0.75 0.96 1.15 1.32 1.58 1.86 2.08 2.33 2.65 3.50 62
53 0.56 0.80 1.03 1.25 1.42 1.71 2.00 2.26 2.53 2.88 3.82 63
54 0.59 0.86 1.12 1.34 1.55 1.84 2.16 2.44 2.75 3.11 4.15 64
55 0.63 0.93 1.22 1.47 1.66 1.98 2.32 2.62 2.93 3.33 4.42 65
56 0.69 1.01 1.34 1.61 1.82 2.15 2.55 2.84 3.17 3.61 4.80 66
57 0.75 1.09 1.47 1.76 2.01 2.32 2.70 3.05 3.44 3.90 5.22 67
58 0.83 1.20 1.61 1.95 2.22 2.53 2.92 3.30 3.72 4.22 5.72 68
59 0.90 1.31 1.76 2.15 2.46 2.75 3.15 3.56 4.01 4.59 6.25 69
60 0.99 1.44 1.94 2.37 2.68 3.02 3.38 3.84 4.34 4.96 6.85 70
61 1.10 1.58 2.14 2.61 2.96 3.31 3.70 4.20 4.80 5.51 7.62 71
62 1.23 1.75 2.35 2.91 3.28 3.64 4.07 4.63 5.34 6.09 8.43 72
63 1.36 1.94 2.58 3.20 3.60 4.02 4.52 5.16 5.86 6.70 9.32 73
64 1.51 2.15 2.84 3.52 3.98 4.48 5.06 5.68 6.44 7.36 10.29 74
65 1.66 2.39 3.14 3.86 4.43 5.04 5.57 6.21 7.04 8.08 11.06 75
66 1.85 2.64 3.40 4.11 4.80 5.47 6.08 6.71 7.62 8.57 11.94 76
67 2.04 2.92 3.67 4.33 5.19 5.94 6.65 7.28 8.23 9.36 13.02 77
68 2.23 3.18 3.98 4.71 5.67 6.49 7.28 6.43 8.99 10.37 14.04 78
69 2.44 3.46 4.34 5.16 6.21 7.13 8.01 8.80 9.87 11.23 14.92 79
70 2.66 3.78 4.78 5.70 6.84 7.83 8.80 9.65 10.85 12.36 17.40 80
71 2.91 4.14 5.25 6.28 7.54 8.61 9.65 10.54 11.91 13.53 19.28 81
72 3.19 4.55 5.79 6.95 8.30 9.42 10.53 11.50 13.03 14.68 21.36 82
73 3.51 5.02 6.40 7.68 9.11 10.29 11.44 12.50 14.22 16.13 23.64 83
74 3.87 5.53 7.07 8.46 10.00 11.23 12.41 13.55 15.47 17.43 26.15 84
75 4.26 6.10 7.80 9.33 10.96 12.19 13.48 14.79 16.80 19.07 28.04 85
76 4.69 6.71 8.59 10.25 11.83 13.31 14.77 16.13 18.24 21.00 30.56 86
77 5.15 7.35 9.41 11.25 13.09 14.58 16.13 17.66 20.40 22.56 33.16 87
78 5.65 8.03 10.30 12.31 14.17 16.04 17.66 20.39 21.47 24.37 35.82 88
79 6.18 8.76 11.24 13.46 15.82 17.53 19.34 21.14 23.25 26.24 38.58 89
80 6.78 9.57 12.26 14.70 17.29 19.13 21.14 23.11 25.25 28.19 41.45 90
81 7.43 10.44 13.39 16.06 18.89 20.89 23.11 25.25 27.61 30.44 44.55 91
82 8.15 11.41 14.62 17.54 20.65 22.81 25.25 27.61 30.19 33.00 47.91 92
83 8.94 12.47 15.97 19.17 22.58 24.91 27.61 30.19 33.00 35.05 51.53 93
84 9.81 13.62 17.44 20.97 24.69 27.20 30.19 33.00 34.70 37.71 55.44 94
85 10.77 14.89 19.07 22.93 27.01 29.72 33.00 34.59 37.08 40.59 59.66 95
84.89 96
120.80 97
171.88 98
244.55 99
Rate Scale 115/215
Cologne Life Reinsurance Company
Annual Reinsurance Premiums per $1,000
Non Experience Rated / Age Nearest Birthday
Additions per Table Extra [+25%]
Issue Duration Ultimate Att
Age 1 2 3 4 5 6 7 8 9 10 Rates Age
----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- ----
0 0.61 0.25 0.20 0.17 0.15 0.14 0.14 0.13 0.12 0.11 0.11 10
1 0.26 0.20 0.17 0.15 0.14 0.14 0.13 0.12 0.11 0.11 0.11 11
2 0.19 0.17 0.15 0.13 0.14 0.13 0.12 0.11 0.11 0.11 0.12 12
3 0.15 0.15 0.14 0.14 0.13 0.12 0.11 0.11 0.11 0.12 0.13 13
4 0.13 0.14 0.14 0.13 0.12 0.11 0.11 0.11 0.12 0.13 0.14 14
5 0.12 0.14 0.13 0.12 0.11 0.11 0.11 0.12 0.13 0.14 0.15 15
6 0.12 0.13 0.12 0.11 0.11 0.11 0.12 0.13 0.14 0.15 0.17 16
7 0.11 0.12 0.11 0.11 0.11 0.12 0.13 0.14 0.15 0.17 0.18 17
8 0.10 0.11 0.11 0.11 0.12 0.13 0.14 0.15 0.15 0.18 0.19 18
9 0.10 0.11 0.11 0.12 0.13 0.14 0.15 0.15 0.17 0.19 0.20 19
10 0.10 0.11 0.12 0.13 0.14 0.15 0.15 0.17 0.18 0.20 0.22 20
11 0.10 0.12 0.13 0.14 0.15 0.15 0.17 0.18 0.19 0.22 0.23 21
12 0.11 0.13 0.14 0.15 0.15 0.17 0.18 0.19 0.20 0.23 0.24 22
13 0.11 0.14 0.15 0.15 0.17 0.17 0.19 0.19 0.22 0.24 0.25 23
14 0.13 0.15 0.15 0.17 0.17 0.18 0.19 0.20 0.22 0.24 0.26 24
15 0.13 0.15 0.17 0.17 0.17 0.18 0.20 0.20 0.23 0.24 0.27 25
16 0.15 0.17 0.17 0.17 0.18 0.19 0.20 0.22 0.23 0.24 0.27 26
17 0.15 0.17 0.17 0.18 0.19 0.20 0.20 0.22 0.24 0.24 0.27 27
18 0.15 0.17 0.17 0.18 0.20 0.20 0.22 0.23 0.23 0.24 0.27 28
19 0.15 0.17 0.18 0.19 0.20 0.20 0.22 0.22 0.23 0.24 0.27 29
20 0.22 0.24 0.25 0.26 0.26 0.26 0.26 0.27 0.27 0.28 0.33 30
21 0.22 0.23 0.25 0.25 0.25 0.25 0.25 0.26 0.27 0.28 0.33 31
22 0.21 0.23 0.24 0.24 0.25 0.24 0.25 0.26 0.27 0.28 0.33 32
23 0.20 0.22 0.23 0.24 0.24 0.24 0.25 0.26 0.27 0.28 0.34 33
24 0.19 0.21 0.23 0.23 0.24 0.24 0.25 0.26 0.27 0.29 0.35 34
25 0.19 0.21 0.23 0.23 0.24 0.24 0.25 0.27 0.28 0.30 0.36 35
26 0.18 0.21 0.23 0.23 0.24 0.25 0.26 0.27 0.29 0.31 0.38 36
27 0.19 0.21 0.23 0.23 0.24 0.25 0.26 0.28 0.31 0.33 0.40 37
28 0.19 0.21 0.23 0.24 0.25 0.26 0.27 0.30 0.33 0.35 0.43 38
29 0.20 0.22 0.23 0.25 0.25 0.27 0.28 0.31 0.35 0.38 0.47 39
30 0.20 0.22 0.24 0.25 0.26 0.28 0.31 0.33 0.37 0.41 0.52 40
31 0.20 0.23 0.25 0.26 0.28 0.30 0.32 0.36 0.40 0.44 0.56 41
32 0.20 0.23 0.25 0.27 0.29 0.32 0.35 0.39 0.43 0.49 0.61 42
33 0.21 0.24 0.26 0.28 0.31 0.34 0.37 0.42 0.47 0.53 0.66 43
34 0.21 0.24 0.27 0.30 0.33 0.37 0.40 0.45 0.51 0.57 0.71 44
35 0.21 0.25 0.29 0.32 0.35 0.39 0.44 0.50 0.56 0.62 0.77 45
36 0.21 0.26 0.30 0.34 0.39 0.43 0.47 0.54 0.60 0.67 0.85 46
37 0.22 0.27 0.32 0.37 0.41 0.46 0.53 0.59 0.66 0.74 0.92 47
38 0.23 0.29 0.35 0.40 0.45 0.52 0.58 0.64 0.72 0.80 1.01 48
39 0.25 0.32 0.38 0.43 0.49 0.56 0.63 0.70 0.78 0.89 1.10 49
40 0.26 0.34 0.41 0.47 0.53 0.61 0.68 0.76 0.86 0.96 1.20 50
41 0.28 0.37 0.44 0.52 0.58 0.66 0.74 0.84 0.94 1.05 1.30 51
42 0.30 0.39 0.47 0.56 0.62 0.72 0.80 0.91 1.02 1.14 1.41 52
43 0.32 0.42 0.52 0.60 0.67 0.77 0.89 0.99 1.10 1.23 1.53 53
44 0.34 0.45 0.55 0.64 0.73 0.85 0.96 1.07 1.20 1.32 1.65 54
Rate Scale 115/215
Cologne Life Reinsurance Company
Annual Reinsurance Premiums per $1,000
Non Experience Rated / Age Nearest Birthday
Additions per Table Extra [+25%]
Issue Duration Ultimate Att
Age 1 2 3 4 5 6 7 8 9 10 Rates Age
----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- ---
0 0.61 0.25 0.20 0.17 0.15 0.14 0.14 0.13 0.12 0.11 0.11 10
1 0.26 0.20 0.17 0.15 0.14 0.14 0.13 0.12 0.11 0.11 0.11 11
2 0.19 0.17 0.15 0.13 0.14 0.13 0.12 0.11 0.11 0.11 0.12 12
3 0.15 0.15 0.14 0.14 0.13 0.12 0.11 0.11 0.11 0.12 0.13 13
4 0.13 0.14 0.14 0.13 0.12 0.11 0.11 0.11 0.12 0.13 0.14 14
5 0.12 0.14 0.13 0.12 0.11 0.11 0.11 0.12 0.13 0.14 0.15 15
6 0.12 0.13 0.12 0.11 0.11 0.11 0.12 0.13 0.14 0.15 0.17 16
7 0.11 0.12 0.11 0.11 0.11 0.12 0.13 0.14 0.15 0.17 0.18 17
8 0.10 0.11 0.11 0.11 0.12 0.13 0.14 0.15 0.15 0.18 0.19 18
9 0.10 0.11 0.11 0.12 0.13 0.14 0.15 0.15 0.17 0.19 0.20 19
10 0.10 0.11 0.12 0.13 0.14 0.15 0.15 0.17 0.18 0.20 0.22 20
11 0.10 0.12 0.13 0.14 0.15 0.15 0.17 0.18 0.19 0.22 0.23 21
12 0.11 0.13 0.14 0.15 0.15 0.17 0.18 0.19 0.20 0.23 0.24 22
13 0.11 0.14 0.15 0.15 0.17 0.17 0.19 0.19 0.22 0.24 0.25 23
14 0.13 0.15 0.15 0.17 0.17 0.18 0.19 0.20 0.22 0.24 0.26 24
15 0.13 0.15 0.17 0.17 0.17 0.18 0.20 0.20 0.23 0.24 0.27 25
16 0.15 0.17 0.17 0.17 0.18 0.19 0.20 0.22 0.23 0.24 0.27 26
17 0.15 0.17 0.17 0.18 0.19 0.20 0.20 0.22 0.24 0.24 0.27 27
18 0.15 0.17 0.17 0.18 0.20 0.20 0.22 0.23 0.23 0.24 0.27 28
19 0.15 0.17 0.18 0.19 0.20 0.20 0.22 0.22 0.23 0.24 0.27 29
20 0.22 0.24 0.25 0.26 0.26 0.26 0.26 0.27 0.27 0.28 0.33 30
21 0.22 0.23 0.25 0.25 0.25 0.25 0.25 0.26 0.27 0.28 0.33 31
22 0.21 0.23 0.24 0.24 0.25 0.24 0.25 0.26 0.27 0.28 0.33 32
23 0.20 0.22 0.23 0.24 0.24 0.24 0.25 0.26 0.27 0.28 0.34 33
24 0.19 0.21 0.23 0.23 0.24 0.24 0.25 0.26 0.27 0.29 0.35 34
25 0.19 0.21 0.23 0.23 0.24 0.24 0.25 0.27 0.28 0.30 0.36 35
26 0.18 0.21 0.23 0.23 0.24 0.25 0.26 0.27 0.29 0.31 0.38 36
27 0.19 0.21 0.23 0.23 0.24 0.25 0.26 0.28 0.31 0.33 0.40 37
28 0.19 0.21 0.23 0.24 0.25 0.26 0.27 0.30 0.33 0.35 0.43 38
29 0.20 0.22 0.23 0.25 0.25 0.27 0.28 0.31 0.35 0.38 0.47 39
30 0.20 0.22 0.24 0.25 0.26 0.28 0.31 0.33 0.37 0.41 0.52 40
31 0.20 0.23 0.25 0.26 0.28 0.30 0.32 0.36 0.40 0.44 0.56 41
32 0.20 0.23 0.25 0.27 0.29 0.32 0.35 0.39 0.43 0.49 0.61 42
33 0.21 0.24 0.26 0.28 0.31 0.34 0.37 0.42 0.47 0.53 0.66 43
34 0.21 0.24 0.27 0.30 0.33 0.37 0.40 0.45 0.51 0.57 0.71 41
35 0.21 0.25 0.29 0.32 0.35 0.39 0.44 0.50 0.56 0.62 0.77 45
36 0.21 0.26 0.30 0.34 0.39 0.43 0.47 0.54 0.60 0.67 0.85 46
37 0.22 0.27 0.32 0.37 0.41 0.46 0.53 0.59 0.66 0.74 0.92 47
38 0.23 0.29 0.35 0.40 0.45 0.52 0.58 0.64 0.72 0.80 1.01 48
39 0.25 0.32 0.38 0.43 0.49 0.56 0.63 0.70 0.78 0.89 1.10 49
40 0.26 0.34 0.41 0.47 0.53 0.61 0.68 0.76 0.86 0.96 1.20 50
41 0.28 0.37 0.44 0.52 0.58 0.66 0.74 0.84 0.94 1.05 1.30 51
42 0.30 0.39 0.47 0.56 0.62 0.72 0.80 0.91 1.02 1.14 1.41 52
43 0.32 0.42 0.52 0.60 0.67 0.77 0.89 0.99 1.10 1.23 1.53 53
44 0.34 0.45 0.55 0.64 0.73 0.85 0.96 1.07 1.20 1.32 1.65 54
Rate Scale 115/215
Cologne Life Reinsurance Company
Annual Reinsurance Premiums per $1,000
Non Experience Rated / Age Nearest Birthday
Additions per Table Extra [+25%]
Issue Duration Ultimate Att
Age 1 2 3 4 5 6 7 8 9 10 Rates Age
----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- ---
45 0.36 0.47 0.59 0.69 0.79 0.92 1.04 1.17 1.28 1.43 1.84 55
46 0.38 0.51 0.64 0.75 0.86 0.98 1.12 1.26 1.39 1.55 2.00 56
47 0.40 0.55 0.68 0.80 0.92 1.05 1.22 1.37 1.51 1.69 2.20 57
48 0.42 0.58 0.73 0.87 0.99 1.15 1.32 1.49 1.66 1.88 2.40 58
49 0.44 0.62 0.78 0.93 1.05 1.25 1.43 1.63 1.82 2.05 2.62 59
50 0.46 0.66 0.84 0.98 1.14 1.34 1.57 1.76 1.98 2.24 2.92 60
51 0.50 0.71 0.90 1.06 1.22 1.47 1.71 1.93 2.16 2.45 3.20 61
52 0.53 0.75 0.96 1.15 1.32 1.58 1.86 2.08 2.33 2.65 3.50 62
53 0.56 0.80 1.03 1.25 1.42 1.71 2.00 2.26 2.53 2.88 3.82 63
54 0.59 0.86 1.12 1.34 1.55 1.84 2.16 2.44 2.75 3.11 4.15 64
55 0.63 0.93 1.22 1.47 1.66 1.98 2.32 2.62 2.93 3.33 4.42 65
56 0.69 1.01 1.34 1.61 1.82 2.15 2.55 2.84 3.17 3.61 4.80 66
57 0.75 1.09 1.47 1.76 2.01 2.32 2.70 3.05 3.44 3.90 5.22 67
58 0.83 1.20 1.61 1.95 2.22 2.53 2.92 3.30 3.72 4.22 5.72 68
59 0.90 1.31 1.76 2.15 2.46 2.75 3.15 3.56 4.01 4.59 6.25 69
60 0.99 1.44 1.94 2.37 2.68 3.02 3.38 3.84 4.34 4.96 6.85 70
61 1.10 1.58 2.14 2.61 2.96 3.31 3.70 4.20 4.80 5.51 7.62 71
62 1.23 1.75 2.35 2.91 3.28 3.64 4.07 4.63 5.34 6.09 8.43 72
63 1.36 1.94 2.58 3.20 3.60 4.02 4.52 5.16 5.86 6.70 9.32 73
64 1.51 2.15 2.84 3.52 3.98 4.48 5.06 5.68 6.44 7.36 10.29 74
65 1.66 2.39 3.14 3.86 4.43 5.04 5.57 6.21 7.04 8.08 11.06 75
66 1.85 2.64 3.40 4.11 4.80 5.47 6.08 6.71 7.62 8.57 11.94 76
67 2.04 2.92 3.67 4.33 5.19 5.94 6.65 7.28 8.23 9.36 13.02 77
68 2.23 3.18 3.98 4.71 5.67 6.49 7.28 6.43 8.99 10.37 14.04 78
69 2.44 3.46 4.34 5.16 6.21 7.13 8.01 8.80 9.87 11.23 14.92 79
70 2.66 3.78 4.78 5.70 6.84 7.83 8.80 9.65 10.85 12.36 17.40 80
71 2.91 4.14 5.25 6.28 7.54 8.61 9.65 10.54 11.91 13.53 19.28 81
72 3.19 4.55 5.79 6.95 8.30 9.42 10.53 11.50 13.03 14.68 21.36 82
73 3.51 5.02 6.40 7.68 9.11 10.29 11.44 12.50 14.22 16.13 23.64 83
74 3.87 5.53 7.07 8.46 10.00 11.23 12.41 13.55 15.47 17.43 26.15 84
75 4.26 6.10 7.80 9.33 10.96 12.19 13.48 14.79 16.80 19.07 28.04 85
76 4.69 6.71 8.59 10.25 11.83 13.31 14.77 16.13 18.24 21.00 30.56 86
77 5.15 7.35 9.41 11.25 13.09 14.58 16.13 17.66 20.40 22.56 33.16 87
78 5.65 8.03 10.30 12.31 14.17 16.04 17.66 20.39 21.47 24.37 35.82 88
79 6.18 8.76 11.24 13.46 15.82 17.53 19.34 21.14 23.25 26.24 38.58 89
80 6.78 9.57 12.26 14.70 17.29 19.13 21.14 23.11 25.25 28.19 41.45 90
81 7.43 10.44 13.39 16.06 18.89 20.89 23.11 25.25 27.61 30.44 44.55 91
82 8.15 11.41 14.62 17.54 20.65 22.81 25.25 27.61 30.19 33.00 47.91 92
83 8.94 12.47 15.97 19.17 22.58 24.91 27.61 30.19 33.00 35.05 51.53 93
84 9.81 13.62 17.44 20.97 24.69 27.20 30.19 33.00 34.70 37.71 55.44 94
85 10.77 14.89 19.07 22.93 27.01 29.72 33.00 34.59 37.08 40.59 59.66 95
84.89 96
120.80 97
171.88 98
244.55 99
All Plans ______ Changes FT
MALE Preferred Non Smoker
1986 R-FACTORS 1/1/86 MALE PREFERRED NONSMOKER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 3.25 0.73 0.46 0.35 0.28 0.25 0.21 0.20 0.18 0.16 0.18 0.21 0.25 0.35 0.47 0.65 15
1 0.78 0.48 0.37 0.30 0.26 0.23 0.21 0.19 0.17 0.17 0.19 0.23 0.32 0.43 0.60 0.78 16
2 0.51 0.39 0.31 0.28 0.24 0.22 0.20 0.18 0.18 0.18 0.22 0.30 0.40 0.56 0.73 0.91 17
3 0.41 0.33 0.29 0.25 0.23 0.21 0.19 0.19 0.19 0.20 0.28 0.38 0.53 0.68 0.85 1.02 18
4 0.35 0.31 0.27 0.24 0.22 0.20 0.19 0.20 0.21 0.27 0.36 0.50 0.64 0.80 0.96 1.10 19
5 0.33 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.35 0.48 0.61 0.76 0.91 1.04 1.12 20
6 0.30 0.27 0.24 0.22 0.21 0.21 0.23 0.29 0.36 0.46 0.59 0.73 0.87 0.99 1.06 0.46 21
7 0.28 0.25 0.23 0.22 0.22 0.24 0.30 0.37 0.48 0.58 0.71 0.84 0.95 1.02 0.47 0.45 22
8 0.26 0.24 0.23 0.23 0.25 0.31 0.39 0.50 0.60 0.70 0.82 0.93 0.99 0.47 0.46 0.44 23
9 0.25 0.24 0.24 0.25 0.32 0.40 0.51 0.62 0.73 0.82 0.92 0.97 0.47 0.46 0.45 0.43 24
10 0.25 0.25 0.26 0.33 0.41 0.53 0.64 0.75 0.84 0.92 0.96 0.48 0.46 0.45 0.45 0.43 25
11 0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 0.48 0.47 0.45 0.45 0.44 0.42 26
12 0.27 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 0.49 0.47 0.46 0.45 0.44 0.44 0.41 27
13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 0.50 0.47 0.46 0.45 0.44 0.43 0.42 0.42 28
14 0.43 0.56 0.67 0.79 0.88 0.96 0.98 0.51 0.49 0.47 0.46 0.44 0.44 0.42 0.44 0.43 29
15 0.55 0.67 0.78 0.87 0.94 0.98 0.53 0.50 0.48 0.46 0.45 0.44 0.42 0.43 0.44 0.44 30
16 0.65 0.75 0.81 0.86 0.90 0.52 0.51 0.49 0.47 0.45 0.44 0.43 0.44 0.44 0.45 0.45 31
17 0.71 0.77 0.80 0.83 0.52 0.51 0.49 0.48 0.46 0.44 0.43 0.44 0.45 0.45 0.47 0.45 32
18 0.68 0.73 0.76 0.50 0.51 0.48 0.47 0.46 0.45 0.44 0.42 0.44 0.45 0.46 0.46 0.44 33
19 0.63 0.68 0.47 0.48 0.47 0.45 0.44 0.43 0.43 0.42 0.41 0.43 0.44 0.46 0.46 0.44 34
20 0.56 0.44 0.45 0.45 0.44 0.41 0.42 0.41 0.41 0.41 0.40 0.42 0.44 0.45 0.46 0.45 35
21 0.37 0.41 0.43 0.42 0.41 0.38 0.39 0.39 0.39 0.39 0.40 0.42 0.43 0.45 0.47 0.46 36
22 0.34 0.38 0.40 0.39 0.38 0.37 0.36 0.36 0.37 0.38 0.39 0.40 0.42 0.45 0.47 0.47 37
23 0.32 0.36 0.38 0.37 0.37 0.35 0.35 0.35 0.36 0.37 0.38 0.40 0.43 0.45 0.48 0.51 38
24 0.30 0.33 0.36 0.36 0.35 0.34 0.34 0.34 0.35 0.37 0.39 0.41 0.44 0.47 0.52 0.55 39
25 0.28 0.31 0.34 0.34 0.34 0.33 0.34 0.34 0.35 0.37 0.40 0.42 0.46 0.51 0.56 0.60 40
26 0.27 0.29 0.32 0.32 0.33 0.33 0.34 0.35 0.36 0.38 0.41 0.45 0.50 0.56 0.62 0.66 41
27 0.26 0.28 0.30 0.31 0.33 0.34 0.35 0.36 0.38 0.40 0.44 0.49 0.55 0.62 0.68 0.73 42
28 0.26 0.28 0.30 0.31 0.33 0.35 0.36 0.38 0.40 0.43 0.47 0.53 0.60 0.67 0.75 0.81 43
29 0.26 0.28 0.30 0.32 0.34 0.36 0.38 0.40 0.43 0.47 0.52 0.58 0.65 0.74 0.83 0.90 44
30 0.27 0.29 0.31 0.33 0.35 0.38 0.40 0.43 0.47 0.52 0.58 0.64 0.72 0.81 0.91 1.01 45
31 0.27 0.30 0.32 0.35 0.38 0.40 0.43 0.47 0.52 0.57 0.63 0.71 0.80 0.90 1.01 1.13 46
32 0.28 0.31 0.34 0.37 0.39 0.43 0.47 0.52 0.57 0.63 0.70 0.79 0.88 1.00 1.14 1.27 47
33 0.28 0.31 0.35 0.38 0.42 0.46 0.51 0.56 0.62 0.69 0.77 0.87 0.98 1.13 1.28 1.43 48
34 0.28 0.32 0.36 0.41 0.46 0.50 0.56 0.61 0.68 0.75 0.85 0.96 1.11 1.27 1.44 1.61 49
35 0.28 0.33 0.38 0.44 0.49 0.55 0.60 0.67 0.74 0.82 0.93 1.07 1.24 1.42 1.61 1.82 50
36 0.28 0.35 0.41 0.47 0.54 0.60 0.67 0.74 0.82 0.91 1.04 1.20 1.38 1.59 1.81 2.04 51
37 0.30 0.37 0.45 0.52 0.59 0.67 0.74 0.82 0.92 1.02 1.17 1.33 1.54 1.78 2.03 2.26 52
38 0.32 0.41 0.4_ 0.58 0.66 0.74 0.82 0.92 1.03 1.14 1.30 1.48 1.70 1.97 2.27 2.53 53
39 0.35 0.45 0.55 0.64 0.73 0.82 0.92 1.03 1.15 1.27 1.44 1.64 1.88 2.19 2.55 2.84 54
40 0.38 0.50 0.61 0.72 0.81 0.91 1.02 1.15 1.28 1.41 1.60 1.81 2.09 2.44 2.85 3.22 55
41 0.42 0.55 0.68 0.80 0.90 1.02 1.14 1.27 1.42 1.57 1.77 2.02 2.34 2.74 3.24 3.71 56
42 0.45 0.61 0.75 0.88 1.00 1.13 1.26 1.40 1.56 1.73 1.98 2.27 2.64 3.11 3.69 4.28 57
43 0.49 0.66 0.82 0.97 1.10 1.24 1.38 1.54 1.71 1.92 2.20 2.56 2.99 3.52 4.19 4.87 58
44 0.52 0.71 0.89 1.06 1.21 1.35 1.50 1.67 1.86 2.11 2.46 2.88 3.39 4.00 4.72 5.53 59
45 0.56 0.78 0.97 1.16 1.32 1.48 1.64 1.83 2.04 2.33 2.75 3.25 3.84 4.51 5.34 6.23 60
46 0.61 0.84 1.06 1.27 1.45 1.62 1.81 2.01 2.25 2.58 3.07 3.64 4.29 5.06 5.97 6.91 61
47 0.66 0.91 1.16 1.39 1.60 1.80 2.00 2.23 2.52 2.88 3.42 4.04 4.79 5.66 6.66 7.68 62
48 0.70 1.00 1.27 1.53 1.79 2.01 2.24 2.51 2.84 3.22 3.79 4.49 5.34 6.31 7.44 8.57 63
49 0.75 1.09 1.40 1.70 1.99 2.26 2.53 2.83 3.20 3.59 4.22 4.99 5.92 7.02 8.31 9.59 64
50 0.80 1.19 1.54 1.88 2.21 2.53 2.85 3.19 3.56 3.99 4.67 5.51 6.55 7.79 9.25 10.70 65
51 0.86 1.30 1.70 2.07 2.45 2.82 3.18 3.55 3.96 4.42 5.16 6.10 7.27 8.70 10.38 12.06 66
52 0.92 1.42 1.86 2.28 2.70 3.10 3.49 3.91 4.35 4.86 5.69 6.74 8.07 9.69 11.61 13.54 67
53 0.99 1.54 2.04 2.49 2.94 3.36 3.79 4.25 4.74 5.30 6.24 7.43 8.93 10.74 12.92 15.25 68
54 1.07 1.68 2.22 2.71 3.18 3.62 4.08 4.57 5.13 5.76 6.83 8.18 9.84 11.87 14.42 17.03 69
55 1.15 1.83 2.42 2.94 3.44 3.90 4.37 4.90 5.53 6.24 7.45 8.98 10.85 13.19 16.08 18.98 70
56 1.26 2.01 2.65 3.21 3.72 4.19 4.69 5.26 5.96 6.76 8.11 9.81 11.94 14.53 17.76 21.06 71
57 1.38 2.21 2.92 3.52 4.04 4.54 5.08 5.68 6.41 7.32 8.83 10.78 13.15 16.05 19.64 23.46 72
58 1.53 2.46 3.24 3.88 4.43 4.97 5.55 6.18 6.93 7.95 9.66 11.83 14.48 17.73 21.78 25.85 73
59 1.71 2.75 3.62 4.31 4.91 5.50 6.10 6.76 7.54 8.69 10.57 12.96 15.93 19.61 23.98 28.50 74
60 1.92 3.08 4.03 4.79 5.46 6.09 6.73 7.42 8.28 9.50 11.57 14.20 17.54 21.55 26.43 31.41 75
61 2.16 3.43 4.47 5.31 6.06 6.72 7.41 8.16 9.11 10.41 12.67 15.59 19.20 23.69 29.06 34.63 76
62 2.43 3.79 4.93 5.87 6.66 7.39 8.15 8.98 10.01 11.43 13.91 17.04 21.05 25.99 31.93 38.19 77
63 2.73 4.21 5.44 6.45 7.28 8.08 8.90 9.81 10.96 12.52 15.17 18.62 23.02 28.49 35.05 42.10 78
64 3.08 4.71 6.02 7.07 7.94 8.79 9.67 10.68 11.98 13.64 16.55 20.31 25.17 31.20 38.41 46.30 79
65 3.46 5.24 6.63 7.71 8.65 9.56 10.52 11.67 13.09 14.93 18.09 22.21 27.54 34.16 _2.06 50.68 80
66 3.87 5.76 7.24 8.37 9.41 10.41 11.52 12.80 14.43 16.45 19.94 24.51 30.40 37.71 46.48 55.81 81
67 4.33 6.24 7.78 9.05 10.23 11.42 12.69 14.21 16.06 18.30 22.17 27.19 33.63 41.64 51.31 61.44 82
68 4.83 6.68 8.28 9.72 11.15 12.56 14.12 15.93 18.09 20.59 24.87 30.33 37.31 45.99 56.57 67.53 83
69 5.38 7.12 8.77 10.42 12.12 13.89 15.82 18.02 20.53 23.31 28.03 33.94 41.43 50.74 62.25 74.50 84
70 5.97 7.55 9.26 11.12 13.17 15.36 17.77 20.45 23.36 26.45 31.64 38.00 45.97 55.91 68.39 82.23 85
71 6.56 8.30 10.17 12.20 14.42 16.82 19.47 22.38 25.56 28.95 34.63 41.56 50.25 61.10 74.71 89.81 86
72 7.21 9.12 11.17 13.37 15.80 18.43 21.31 24.50 27.98 31.67 37.87 45.44 54.94 66.77 81.61 98.05 87
73 7.91 10.00 12.22 14.63 17.28 20.15 23.29 26.77 30.57 34.60 41.36 49.60 59.94 72.81 88.97 107.55 88
74 8.54 10.77 13.15 15.74 18.59 21.67 25.05 28.78 32.86 37.17 44.41 53.24 64.32 78.12 95.96 116.00 89
75 9.03 11.38 13.90 16.63 19.63 22.88 26.45 30.39 34.67 39.20 46.83 56.12 67.76 82.71 101.61 122.88 90
128.64 91
134.52 92
142.27 93
154.03 94
All Plans ______ Changes FT
MALE Non Smoker
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 3.25 0.73 0.46 0.35 0.28 0.25 0.21 0.20 0.18 0.16 0.18 0.21 0.25 0.35 0.47 0.65 15
1 0.78 0.48 0.37 0.30 0.26 0.23 0.21 0.19 0.17 0.17 0.19 0.23 0.32 0.43 0.60 0.78 16
2 0.51 0.39 0.31 0.28 0.24 0.22 0.20 0.18 0.18 0.18 0.22 0.30 0.40 0.56 0.73 0.91 17
3 0.41 0.33 0.29 0.25 0.23 0.21 0.19 0.19 0.19 0.20 0.28 0.38 0.53 0.68 0.85 1.02 18
4 0.35 0.31 0.27 0.24 0.22 0.20 0.19 0.20 0.21 0.27 0.36 0.50 0.64 0.80 0.96 1.10 19
5 0.33 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.35 0.48 0.61 0.76 0.91 1.04 1.12 20
6 0.30 0.27 0.24 0.22 0.21 0.21 0.23 0.29 0.36 0.46 0.59 0.73 0.87 0.99 1.06 0.57 21
7 0.28 0.25 0.23 0.22 0.22 0.24 0.30 0.37 0.48 0.58 0.71 0.84 0.95 1.02 0.59 0.56 22
8 0.26 0.24 0.23 0.23 0.25 0.31 0.39 0.50 0.60 0.70 0.82 0.93 0.99 0.60 0.57 0.55 23
9 0.25 0.24 0.24 0.25 0.32 0.40 0.51 0.62 0.73 0.82 0.92 0.97 0.61 0.58 0.56 0.54 24
10 0.25 0.25 0.26 0.33 0.41 0.53 0.64 0.75 0.84 0.92 0.96 0.63 0.60 0.57 0.56 0.53 25
11 0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 0.65 0.62 0.59 0.57 0.55 0.53 26
12 0.27 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 0.67 0.64 0.61 0.58 0.56 0.54 0.51 27
13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 0.70 0.66 0.63 0.60 0.57 0.55 0.53 0.53 28
14 0.43 0.56 0.67 0.79 0.88 0.96 0.98 0.71 0.68 0.65 0.62 0.59 0.57 0.54 0.54 0.54 29
15 0.55 0.67 0.78 0.87 0.94 0.98 0.73 0.69 0.67 0.64 0.61 0.59 0.55 0.55 0.55 0.55 30
16 0.65 0.75 0.81 0.86 0.90 0.73 0.71 0.68 0.66 0.63 0.60 0.57 0.57 0.56 0.57 0.56 31
17 0.71 0.77 0.80 0.83 0.72 0.70 0.69 0.66 0.64 0.62 0.59 0.59 0.58 0.58 0.58 0.56 32
18 0.68 0.73 0.76 0.70 0.70 0.67 0.66 0.64 0.63 0.61 0.57 0.58 0.58 0.58 0.58 0.55 33
19 0.63 0.68 0.66 0.66 0.66 0.63 0.62 0.60 0.60 0.58 0.55 0.57 0.58 0.58 0.57 0.55 34
20 O.56 0.60 0.63 0.62 0.61 0.58 0.58 0.56 0.57 0.56 0.54 0.56 0.57 0.57 0.58 0.56 35
21 0.52 0.57 0.59 0.58 0.57 0.53 0.54 0.53 0.54 0.55 0.54 0.56 0.56 0.57 0.58 0.58 36
22 0.48 0.53 0.56 0.55 0.53 0.51 0.51 0.50 0.51 0.52 0.53 0.53 0.55 0.57 0.58 0.59 37
23 0.45 0.50 0.53 0.52 0.51 0.49 0.49 0.48 0.49 0.51 0.52 0.53 0.56 0.58 0.60 0.64 38
24 0.42 0.46 0.49 0.50 0.49 0.48 0.47 0.47 0.49 0.51 0.53 0.54 0.57 0.60 0.64 0.69 39
25 0.39 0.43 0.47 0.47 0.48 0.46 0.47 0.48 0.49 0.51 0.54 0.56 0.60 0.66 0.70 0.75 40
26 0.37 0.41 0.44 0.45 0.46 0.46 0.47 0.48 0.50 0.53 0.56 0.60 0.65 0.72 0.77 0.83 41
27 0.36 0.39 0.42 0.44 0.46 0.47 0.48 0.50 0.53 0.56 0.59 0.65 0.71 0.79 0.85 0.91 42
28 0.36 0.38 0.41 0.44 0.46 0.48 0.50 0.53 0.55 0.60 0.65 0.71 0.78 0.86 0.94 1.02 43
29 0.36 0.38 0.41 0.44 0.47 0.50 0.53 0.56 0.60 0.66 0.71 0.77 0.85 0.94 1.03 1.13 44
30 0.37 0.40 0.43 0.46 0.49 0.53 0.56 0.60 0.66 0.72 0.78 0.85 0.93 1.04 1.14 1.26 45
31 0.38 0.42 0.45 0.48 0.52 0.56 0.60 0.65 0.72 0.79 0.86 0.94 1.04 1.14 1.26 1.41 46
32 0.3_ 0.43 0.47 0.51 0.55 0.60 0.65 0.72 0.79 0.87 0.95 1.04 1.15 1.28 1.42 1.59 47
33 0.39 0.44 0.49 0.53 0.59 0.65 0.71 0.78 0.86 0.96 1.05 1.15 1.28 1.44 1.60 1.79 48
34 0.38 0.45 0.50 0.56 0.63 0.70 0.77 0.85 0.94 1.05 1.15 1.28 1.44 1.62 1.80 2.02 49
35 0.39 0.46 0.53 0.61 0.68 0.76 0.84 0.93 1.03 1.14 1.27 1.42 1.61 1.81 2.02 2.28 50
36 0.39 0.48 0.57 0.66 0.75 0.83 0.93 1.03 1.14 1.26 1.42 1.59 1.80 2.03 2.27 2.54 51
37 0.41 0.52 0.62 0.72 0.83 0.93 1.03 1.15 1.27 1.41 1.58 1.77 2.00 2.27 2.54 2.83 52
38 0.44 0.56 0.69 0.80 0.92 1.03 1.14 1.23 1.42 1.58 1.76 1.97 2.22 2.51 2.84 3.16 53
39 0.48 0.63 0.76 0.89 1.02 1.14 1.27 1.43 1.60 1.76 1.95 2.18 2.45 2.79 3.18 3.54 54
40 0.53 0.70 0.85 1.00 1.13 1.26 1.42 1.60 1.77 1.96 2.17 2.41 2.72 3.11 3.57 4.02 55
41 0.58 0.77 0.95 1.11 1.25 1.41 1.58 1.76 1.97 2.18 2.41 2.69 3.05 3.50 4.06 4.64 56
42 0.63 0.85 1.04 1.22 1.39 1.56 1.74 1.95 2.17 2.41 2.68 3.02 3.43 3.96 4.61 5.35 57
43 0.68 0.92 1.14 1.34 1.53 1.72 1.91 2.13 2.37 2.66 2.99 3.40 3.89 4.50 5.24 6.09 58
44 0.73 0.99 1.24 1.47 1.67 1.88 2.09 2.32 2.59 2.93 3.34 3.83 4.41 5.11 5.90 6.91 59
45 0.78 1.08 1.35 1.61 1.83 2.05 2.28 2.54 2.83 3.24 3.74 4.32 5.00 5.76 6.68 7.79 60
46 0.85 1.17 1.47 1.76 2.01 2.25 2.51 2.80 3.12 3.59 4.17 4.84 5.59 6.45 7.46 8.64 61
47 0.91 1.27 1.61 1.93 2.22 2.50 2.78 3.10 3.50 4.00 4.65 5.37 6.24 7.22 8.33 9.60 62
48 0.97 1.38 1.76 2.12 2.48 2.79 3.11 3.48 3.95 4.47 5.15 5.98 6.95 8.04 9.30 10.71 63
49 1.04 1.51 1.94 2.36 2.77 3.14 3.52 3.94 4.45 4.98 5.73 6.63 7.71 8.95 10.38 11.98 64
50 1.12 1.65 2.14 2.61 3.08 3.52 3.96 4.43 4.95 5.55 6.34 7.32 8.53 9.93 11.57 13.37 65
51 1.12 1.81 2.36 2.__ 3.41 3.92 4.42 4.93 5.50 6.14 7.01 8.11 9.47 11.10 12.98 15.08 66
52 1.28 1.97 2.59 3.17 3.75 4.31 4.85 5.43 6.04 6.75 7.73 8.96 10.51 12.36 14.51 16.92 67
53 1 38 2.15 2.83 3.46 4.09 4.67 5.27 5.90 6.58 7.36 8.48 9.89 11.62 13.70 16.15 19.06 68
54 1.48 2.34 3.0_ 3.76 4.41 5.03 5.67 6.35 7.12 8.00 9.27 10.88 12.82 15.14 18.03 21.29 69
55 1.60 2.55 3.37 4.08 4.78 5.41 6.07 6.80 7.68 8.67 10.12 11.94 14.12 16.82 20.10 23.73 70
56 1.75 2.79 3.68 4.46 5.17 5.82 6.52 7.31 8.28 9.39 11.02 13.05 15.55 18.54 22.20 26.33 71
57 1.92 3.06 4.06 4.89 5.61 6.30 7.05 7.90 3.90 10.17 12.00 14.33 17.12 20.47 24.56 29.32 72
58 2.13 3.41 4.51 5.40 6.16 6.91 7.71 8.59 9.62 11.04 13.13 15.72 18.85 22.61 27.22 32.31 73
59 2.38 3.82 5.02 5.99 6.82 7.63 8.48 9.39 10.48 12.06 14.36 17.24 20.75 25.01 29.98 35.63 74
60 2.67 4.27 5.60 6.65 7.59 8.45 9.35 10.30 11.50 13.20 15.72 18.89 22.84 27.48 33.04 39.26 75
61 3.00 4.76 6.21 7.38 8.41 9.34 10.29 11.34 12.65 14.46 17.22 20.73 25.00 30.22 36.32 43.29 76
62 3.38 5.27 6.85 8.15 9.26 10.26 11.32 12.47 13.91 15.87 18.90 22.65 27.41 33.15 39.91 47.73 77
63 3.80 5.85 7.56 8.97 10.12 11.22 12.36 13.63 15.22 17.39 20.62 24.76 29.97 36.33 43.81 52.62 78
64 4.27 6.54 8.36 9.82 11.03 12.20 13.44 14.83 16.64 18.94 22.49 27.01 32.77 39.79 48.02 57.88 79
65 4.80 7.27 9.21 10.71 12.01 13.27 14.62 16.21 18.18 20.74 24.58 29.53 35.86 43.58 52.58 63.35 80
66 5.38 8.00 10.05 11.63 13.06 14.47 16.00 17.78 20.04 22.84 27.09 32.59 39.58 48.10 58.10 69.76 81
67 6.02 8.66 10.80 12.56 14.21 15.86 17.62 19.73 22.30 25.42 30.12 36.16 43.79 53.11 64.14 76.80 82
68 6.71 9.27 11.50 13.50 15.48 17.45 19.62 22.13 25.12 28.59 33.78 40.33 48.58 58.66 70.71 84.41 83
69 7.47 9.89 12.18 14.48 16.83 19.30 21.9_ 25.03 28.51 32.37 38.07 45.13 53.94 64.72 77.81 93.12 84
70 8.30 10.49 12.86 15.44 18.29 21.34 24.69 28.40 32.44 36.73 43.00 50.53 59.86 71.31 85.49 102.79 85
71 9.11 11.53 14.13 16.95 20.03 23.37 27.04 31.09 35.50 40.20 47.05 55.26 65.44 77.94 93.39 112.25 86
72 10.02 12.66 15.51 18.57 21.95 25.60 29.60 34.02 38.86 43.99 51.46 60.43 71.53 85.16 102.01 122.57 87
73 10.99 13.89 16.98 20.32 24.00 27.98 32.35 37.19 42.46 48.05 56.18 65.96 78.04 92.88 111.21 134.42 88
74 11.85 14.95 18.27 21.86 25.82 30.09 34.79 39.98 45.63 51.62 60.34 70.80 83.75 99.64 119.96 145.00 89
75 12.54 15.80 19.31 23.10 27.27 31.78 36.73 42.20 46.14 54.44 63.62 74.62 88.23 105.49 127.02 153.59 90
160.80 91
168.13 92
177.85 93
192.55 94
All Plans ___ Charges FT
MALE PREFERRED SMOKER
R-FACTORS 1/1/86 MALE PREFERRED SMOKER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 3.25 0.73 0.46 0.35 0.28 0.25 0.21 0.20 0.18 0.16 0.18 0.21 0.25 0.35 0.47 0.65 15
1 0.78 0.48 0.37 0.30 0.26 0.23 0.21 0.19 0.17 0.17 0.19 0.23 0.32 0.43 0.60 0.78 16
2 0.51 0.39 0.31 0.28 0.24 0.22 0.20 0.18 0.18 0.18 0.22 0.30 0.40 0.56 0.73 0.91 17
3 0.41 0.33 0.29 0.25 0.23 0.21 0.19 0.19 0.19 0.20 0.28 0.38 0.53 0.68 0.85 1.02 18
4 0.35 0.31 0.27 0.24 0.22 0.20 0.19 0.20 0.21 0.27 0.36 0.50 0.64 0.80 0.96 1.10 19
5 0.33 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.35 0.48 0.61 0.76 0.91 1.04 1.12 20
6 0.30 0.27 0.24 0.22 0.21 0.21 0.23 0.29 0.36 0.46 0.59 0.73 0.87 0.99 1.06 0.94 21
7 0.28 0.25 0.23 0.22 0.22 0.24 0.30 0.37 0.43 0.58 0.71 0.84 0.95 1.02 0.95 0.92 22
8 0.26 0.24 0.23 0.23 0.25 0.31 0.39 0.50 0.60 0.70 0.82 0.93 0.99 0.94 0.93 0.90 23
9 0.25 0.24 0.24 0.25 0.32 0.40 0.51 0.62 0.73 0.82 0.92 0.97 0.92 0.91 0.91 0.89 24
10 0.25 0.25 0.26 0.33 0.41 0.53 0.64 0.75 0.84 0.92 0.96 0.90 0.90 0.90 0.90 0.88 25
11 0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 0.89 0.88 0.88 0.89 0.88 0.87 26
12 0.27 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 0.87 0.87 0.87 0.87 0.87 0.88 0.84 27
13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 0.86 0.85 0.85 0.86 0.86 0.87 0.85 0.87 28
14 0.43 0.56 0.67 0.79 0.88 0.96 0.98 0.85 0.84 0.83 0.84 0.84 0.85 0.84 0.88 0.88 29
15 0.55 0.67 0.78 0.87 0.94 0.98 0.85 0.83 0.82 0.82 0.83 0.84 0.83 0.87 0.89 0.90 30
16 0.65 0.75 0.81 0.86 0.90 0.83 0.83 0.81 0.81 0.81 0.81 0.81 0.85 0.88 0.91 0.92 31
17 0.71 0.77 0.80 0.83 0.81 0.80 0.80 0.79 0.79 0.80 0.80 0.84 0.87 0.91 0.94 0.92 32
18 0.71 0.73 0.76 0.76 0.79 0.76 0.76 0.76 0.77 0.78 0.78 0.83 0.87 0.91 0.93 0.91 33
19 0.63 0.68 0.71 0.73 0.74 0.71 0.72 0.72 0.73 0.75 0.76 0.82 0.86 0.91 0.92 0.91 34
20 0.56 0.64 0.67 0.68 0.68 0.65 0.68 0.68 0.70 0.73 0.74 0.80 0.85 0.90 0.93 0.92 35
21 0.54 0.61 0.64 0.64 0.63 0.60 0.63 0.64 0.67 0.70 0.74 0.79 0.84 0.89 0.94 0.95 36
22 0.51 0.57 0.61 0.61 0.60 0.60 0.61 0.62 0.66 0.69 0.74 0.78 0.84 0.90 0.96 0.98 37
23 0.49 0.55 0.59 0.59 0.60 0.58 0.60 0.62 0.66 0.70 0.74 0.79 0.86 0.93 0.99 1.07 38
24 0.46 0.52 0.56 0.58 0.59 0.59 0.60 0.63 0.67 0.71 0.77 0.81 0.89 0.98 1.08 1.18 39
25 0.44 0.49 0.55 0.57 0.59 0.60 0.62 0.65 0.69 0.73 0.80 0.86 0.96 1.08 1.19 1.30 40
26 0.42 0.47 0.52 0.56 0.60 0.62 0.64 0.67 0.71 0.76 0.84 0.93 1.05 1.19 1.34 1.45 41
27 0.42 0.46 0.51 0.56 0.61 0.64 0.67 0.71 0.75 0.81 0.90 1.02 1.16 1.33 1.49 1.61 42
28 0.43 0.47 0.53 0.58 0.63 0.67 0.71 0.76 0.81 0.88 0.99 1.12 1.28 1.47 1.65 1.80 43
29 0.45 0.50 0.55 0.60 0.66 0.71 0.76 0.81 0.88 0.98 1.10 1.25 1.42 1.62 1.83 2.02 44
30 0.48 0.53 0.59 0.64 0.70 0.76 0.81 0.89 0.98 1.09 1.23 1.39 1.57 1.80 2.04 2.28 45
31 0.51 0.57 0.62 0.69 0.75 0.82 0.89 0.98 1.10 1.22 1.37 1.55 1.76 2.01 2.28 2.54 46
32 0.__ 0.60 0.66 0.73 0.80 0.88 0.98 1.08 1.22 1.36 1.53 1.73 1.97 2.25 2.55 2.84 47
33 0.54 0.62 0.70 0.78 0.87 0.97 1.08 1.20 1.34 1.50 1.70 1.93 2.21 2.52 2.87 3.18 48
34 0.55 0.64 0.73 0.83 0.95 1.06 1.19 1.32 1.48 1.65 1.88 2.15 2.47 2.84 3.20 3.58 49
35 0.55 0.67 0.78 0.91 1.03 1.16 1.30 1.46 1.63 1.81 2.08 2.38 2.75 3.16 3.58 4.01 50
36 0.57 0.71 0.85 1.00 1.15 1.30 1.46 1.63 1.82 2.02 2.32 2.66 3.06 3.52 4.00 4.45 51
37 0.61 0.77 0.94 1.11 1.28 1.45 1.63 1.83 2.04 2.26 2.58 2.94 3.39 3.91 4.44 4.88 52
38 0.66 0.85 1.05 1.25 1.44 1.62 1.82 2.05 2.27 2.52 2.86 3.26 3.74 4.30 4.90 5.39 53
39 0.73 0.96 1.18 1.40 1.61 1.82 2.04 2.28 2.54 2.79 3.16 3.58 4.10 4.71 5.43 5.97 54
40 0.81 1.08 1.33 1.58 1.80 2.03 2.27 2.54 2.81 3.10 3.48 3.93 4.48 5.19 6.01 6.66 55
41 0.90 1.20 1.50 1.76 2.01 2.25 2.51 2.79 3.10 3.41 3.84 4.33 4.97 5.77 6.72 7.55 56
42 0.98 1.33 1.66 1.96 2.22 2.48 2.76 3.07 3.40 3.74 4.22 4.81 5.53 6.42 7.50 8.55 57
43 1.07 1.46 1.82 2.14 2.44 2.72 3.02 3.34 3.69 4.08 4.66 5.34 6.16 7.15 8.37 9.56 58
44 1.16 1.59 1.98 2.34 2.65 2.96 3.27 3.61 3.97 4.45 5.13 5.92 6.86 7.98 9.27 10.59 59
45 1.26 1.72 2.15 2.55 2.89 3.22 3.55 3.90 4.29 4.85 5.64 6.56 7.63 8.84 10.23 11.66 60
46 1.35 1.85 2.33 2.77 3.15 3.50 3.85 4.24 4.67 5.28 6.17 7.21 8.38 9.67 11.18 12.68 61
47 1.45 2.01 2 53 3.02 3.46 3.83 4.21 4.64 5.15 5.78 6.76 7.88 9.14 10.58 12.23 13.81 62
48 1.54 2.18 2.76 3.30 3.81 4.24 4.66 5.13 5.71 6.35 7.37 8.55 9.95 11.55 13.39 15.11 63
49 1.65 2.36 3.01 3.62 4.20 4.70 5.18 5.69 6.31 6.95 8.00 9.27 10.81 12.60 14.65 16.56 64
50 1.75 2.56 3.28 3.96 4.61 5.18 5.73 6.30 6.91 7.56 8.66 10.04 11.73 13.71 15.98 18.10 65
51 1.85 2.77 3.57 4.31 5.01 5.66 6.28 6.88 7.49 8.18 9.38 10.90 12.77 15.00 17.57 19.98 66
52 1.97 2.99 3.87 4.67 5.42 6.12 6.77 7.40 8.05 8.81 10.13 11.80 13.88 16.35 19.22 21.94 67
53 2.09 3.21 4.17 5.01 5.80 6.52 7.18 7.86 8.59 9.42 10.90 12.75 15.03 17.74 20.94 24.15 68
54 2.22 3.44 4.46 5.35 6.16 6.86 7.55 8.29 9.11 10.03 11.68 13.74 16.23 19.19 22.84 26.36 69
55 2.36 3.68 4.78 5.70 6.51 7.21 7.92 8.70 9.64 10.65 12.48 14.77 17.49 20.84 24.89 28.70 70
56 2.53 3.96 5.13 6.08 6.89 7.60 8.34 9.16 10.16 11.30 13.30 15.79 18.82 22.45 26.86 31.09 71
57 2.73 4.28 5.53 6.51 7.33 8.06 8.84 9.70 10.71 11.98 14.17 16.95 20.26 24.21 28.99 33.78 72
58 2.97 4.65 6.00 7.04 7.88 8.66 9.47 10.33 11.33 12.72 15.15 18.17 21.79 26.11 31.36 36.29 73
59 3.25 5.09 6.56 7.66 8.55 9.38 10.20 11.06 12.07 13.59 16.20 19.46 23.41 28.17 33.67 39.00 74
60 3.55 5.58 7.16 8.34 9.32 10.17 11.01 11.87 12.96 14.53 17.32 20.81 25.14 30.18 36.16 42.12 75
61 3.92 6.09 7.79 9.07 10.12 11.00 11.86 12.77 13.92 15.55 18.52 22.29 26.83 32.34 38.97 45.51 76
62 4.32 6.60 8.41 9.81 10.90 11.83 12.75 13.72 14.95 16.66 19.84 23.75 28.66 34.77 41.95 49.15 77
63 4.76 7.19 9.09 10.56 11.66 12.63 13.60 14.65 15.98 17.81 21.10 25.29 30.73 37.35 45.10 53.05 78
64 5.25 7.87 9.84 11.31 12.43 13.43 14.45 15.57 17.03 18.92 22.43 27.04 32.92 40.06 48.40 57.08 79
65 5.78 8.56 10.61 12.06 13.22 14.27 15.34 16.60 18.15 20.18 24.02 28.98 35.28 42.95 51.86 61.12 80
66 6.33 9.21 11.32 12.80 14.05 15.18 16.39 17.75 19.50 21.78 25.95 31.32 38.12 46.39 56.05 65.80 81
67 6.93 9.75 11.89 13.51 14.92 16.24 17.59 19.19 21.27 23.75 28.26 34.01 41.28 50.10 60.49 70.78 82
68 7.56 10.21 12.66 14.17 15.85 17.42 19.08 21.10 23.47 26.17 31.02 37.13 44.79 54.10 65.16 75.98 83
69 8.23 10.63 12.79 14.82 16.80 18.77 20.95 23.38 26.09 29.01 34.22 40.64 48.61 58.32 70.04 81.79 84
70 8.92 11.01 13.17 15.41 17.79 20.35 23.07 25.99 29.06 32.21 37.80 44.48 52.71 62.76 75.09 88.07 85
71 9.57 11.81 14.11 16.49 19.11 21.84 24.74 27.85 31.12 34.48 40.43 47.53 56.28 66.94 80.02 93.75 86
72 10.26 12.64 15.09 17.71 20.51 23.42 26.52 29.83 33.33 36.88 43.21 50.76 60.04 71.35 85.20 99.72 87
73 10.97 13.51 16.19 18.99 21.97 25.07 28.36 31.89 35.60 39.36 46.07 54.07 63.90 75.84 90.49 107.55 88
74 11.53 14.26 17.07 20.01 23.13 26.38 29.83 33.52 37.38 41.29 48.29 56.62 66.85 79.26 95.96 116.00 89
75 11.96 14.77 17.67 20.69 23.91 27.26 30.80 34.57 38.52 42.51 49.66 58.17 68.60 82.71 101.61 122.88 90
128.64 91
134.52 92
142.27 93
154.03 94
All Plans ___ Charges FT
MALE SMOKER
R-FACTORS 1/1/86 MALE PREFERED SMOKER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMTE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------
0 3.25 0.73 0.46 0.35 0.28 0.25 0.21 0.20 0.18 0.16 0.18 0.21 0.25 0.35 0.47 0.65 15
1 0.78 0.48 0.37 0.30 0.26 0.23 0.21 0.19 0.17 0.17 0.19 0.23 0.32 0.43 0.60 0.78 16
2 0.51 0.39 0.31 0.28 0.24 0.22 0.20 0.18 0.18 0.18 0.22 0.30 0.40 0.56 0.73 0.91 17
3 0.41 0.33 0.29 0.25 0.23 0.21 0.19 0.19 0.19 0.20 0.28 0.38 0.53 0.68 0.85 1.02 18
4 0.35 0.31 0.27 0.24 0.22 0.20 0.19 0.20 0.21 0.27 0.36 0.50 0.64 0.80 0.96 1.10 19
5 0.33 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.35 0.48 0.61 0.76 0.91 1.04 1.12 20
6 0.30 0.27 0.24 0.22 0.21 0.21 0.23 0.29 0.36 0.46 0.59 0.73 0.87 0.99 1.06 1.15 21
7 0.28 0.25 0.23 0.22 0.22 0.24 0.30 0.37 0.48 0.58 0.71 0.84 0.95 1.02 1.16 1.12 22
8 0.26 0.24 0.23 0.23 0.25 0.31 0.39 0.50 0.60 0.70 0.82 0.93 0.99 1.19 1.13 1.10 23
9 0.25 0.24 0.24 0.25 0.32 0.40 0.51 0.62 0.73 0.82 0.92 0.97 1.22 1.16 1.11 1.09 24
10 0.25 0.25 0.26 0.33 0.41 0.53 0.64 0.75 0.84 0.92 0.96 1.25 1.19 1.14 1.10 1.07 25
11 0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 1.28 1.22 1.17 1.13 1.08 1.06 26
12 0.27 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 1.31 1.25 1.20 1.16 1.11 1.07 1.03 27
13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 1.29 1.27 1.23 1.19 1.14 1.10 1.04 1.06 28
14 0.43 0.56 0.67 0.79 0.88 0.96 0.98 1.28 1.26 1.25 1.22 1.16 1.13 1.07 1.07 1.08 29
15 0.55 0.67 0.78 0.87 0.94 0.98 1.28 1.24 1.23 1.23 1.19 1.15 1.09 1.10 1.09 1.10 30
16 0.65 0.75 0.81 0.86 0.90 1.24 1.24 1.22 1.21 1.22 1.17 1.12 1.13 1.12 1.12 1.13 31
17 0.71 0.77 0.80 0.83 1.21 1.20 1.20 1.19 1.19 1.20 1.15 1.16 1.15 1.15 1.14 1.12 32
18 0.68 0.73 0.76 1.14 1.18 1.15 1.15 1.15 1.16 1.17 1.12 1.14 1.15 1.16 1.14 1.11 33
19 0.63 0.68 1.06 1.09 1.10 1.07 1.08 1.08 1.10 1.13 1.09 1.13 1.15 1.16 1.13 1.11 34
20 0.56 0.96 1.01 1.02 1.03 0.98 1.01 1.01 1.05 1.09 1.06 1.11 1.13 1.14 1.13 1.12 35
21 0.81 0.91 0.96 0.96 0.95 0.91 0.95 0.96 1.00 1.06 1.06 1.09 1.11 1.13 1.15 1.16 36
22 0.76 0.86 0.92 0.92 0.91 0.89 0.91 0.93 0.98 1.04 1.06 1.08 1.11 1.14 1.17 1.20 37
23 0.73 0.82 0.89 0.89 0.89 0.88 0.90 0.93 0.98 1.05 1.07 1.09 1.14 1.18 1.21 1.31 38
24 0.69 0.78 0.81 0.87 0.88 0.88 0.91 0.95 1.00 1.06 1.11 1.12 1.19 1.24 1.33 1.44 39
25 0.66 0.73 0.82 0.85 0.88 0.90 0.93 0.97 1.03 1.10 1.15 1.19 1.27 1.38 1.46 1.59 40
26 0.63 0.71 0.79 0.83 0.89 0.92 0.96 1.01 1.07 1.15 1.21 1.28 1.39 1.52 1.63 1.77 41
27 0.63 0.69 0.77 0.84 0.91 0.96 1.00 1.06 1.13 1.22 1.29 1.41 1.54 1.69 1.82 1.97 42
28 0.64 0.71 0.79 0.87 0.94 1.00 1.06 1.13 1.22 1.32 1.43 1.55 1.70 1.87 2.02 2.20 43
29 0.67 0.74 0.82 0.90 0.99 1.06 1.14 1.22 1.32 1.47 1.59 1.72 1.88 2.06 2.24 2.47 44
30 0.72 0.79 0.88 0.96 1.05 1.14 1.22 1.33 1.47 1.64 1.77 1.92 2.09 2.29 2.49 2.78 45
31 0.76 0.85 0.93 1.03 1.12 1.23 1.33 1.47 1.64 1.83 1.98 2.14 2.33 2.56 2.79 3.10 46
32 0.79 0.90 1.00 1.09 1.20 1.32 1.47 1.63 1.82 2.03 2.20 2.39 2.61 2.86 3.12 3.48 47
33 0.81 0.93 1.04 1.17 1.30 1.45 1.62 1.80 2.01 2.25 2.44 2.66 2.93 3.21 3.51 3.89 48
34 0.82 0.96 1.10 1.25 1.42 1.59 1.78 1.99 2.21 2.47 2.71 2.97 3.27 3.61 3.92 4.37 49
35 0.83 1.00 1.17 1.36 1.54 1.75 1.95 2.18 2.44 2.72 2.99 3.29 3.64 4.02 4.38 4.91 50
36 0.85 1.07 1.28 1.50 1.72 1.94 2.19 2.44 2.73 3.04 3.33 3.67 4.06 4.49 4.89 5.44 51
37 0.91 1.16 1.40 1.67 1.92 2.17 2.44 2.74 3.06 3.39 3.71 4.07 4.50 4.97 5.43 5.96 52
38 0.99 1.28 1.58 1.87 2.16 2.43 2.73 3.08 3.41 3.78 4.11 4.50 4.95 5.47 5.99 6.59 53
39 1.09 1.44 1.78 2.10 2.41 2.73 3.06 3.42 3.81 4.19 4.55 4.95 5.43 6.00 6.64 7.30 54
40 1.22 1.62 2.00 2.37 2.70 3.04 3.41 3.80 4.21 4.65 5.01 5.43 5.94 6.60 7.35 8.13 55
41 1.34 1.81 2.25 2.65 3.02 3.38 3.76 4.19 4.65 5.12 5.52 5.98 6.59 7.34 8.21 9.23 56
42 1.47 2.00 2.49 2.94 3.33 3.73 4.14 4.61 5.10 5.62 6.07 6.64 7.33 8.17 9.17 10.45 57
43 1.60 2.19 2.73 3.22 3.66 4.08 4.53 5.01 5.53 6.12 6.70 7.38 8.16 9.10 10.23 11.68 58
44 1.74 2.38 2.97 3.51 3.98 4.44 4.91 5.42 5.95 6.67 7.38 8.18 9.09 10.15 11.33 12.95 59
45 1.89 2.58 3.23 3.82 4.33 4.82 5.32 5.84 6.43 7.27 8.11 9.06 10.12 11.25 12.51 14.26 60
46 2.03 2.78 3.49 4.16 4.73 5.25 5.78 6.36 7.01 7.92 8.88 9.96 11.11 12.31 13.66 15.50 61
47 2.17 3.01 3.80 4.53 5.19 5.74 6.32 6.96 7.73 8.68 9.73 10.87 12.12 13.46 14.95 16.88 62
48 2.31 3.27 4.15 4.96 5.71 6.36 6.99 7.69 8.56 9.52 10.60 11.81 13.19 14.70 16.37 18.47 63
49 2.47 3.54 4.52 5.43 6.30 7.04 7.76 8.54 9.47 10.42 11.51 12.80 14.33 16.03 17.90 20.24 64
50 2.62 3.85 4.92 5.94 6.91 7.77 8.59 9.44 10.37 11.34 12.46 13.86 15.55 17.44 19.54 22.12 65
51 2.78 4.15 5.36 6.47 7.52 8.50 9.41 10.32 11.23 12.27 13.50 15.05 16.93 19.09 21.47 24.41 66
52 2.95 4.49 5.81 7.00 8.12 9.18 10.16 11.10 12.07 13.22 14.58 16.30 18.40 20.81 23.50 26.81 67
53 3.13 4.82 6.25 7.51 8.70 9.78 10.77 11.79 12.89 14.13 15.68 17.61 19.92 22.58 25.59 29.52 68
54 3.33 5.16 6.69 8.02 9.24 10.29 11.32 12.43 13.67 15.05 16.80 18.97 21.51 24.42 27.92 32.22 69
55 3.54 5.52 7.17 8.55 9.76 10.81 11.88 13.05 14.45 15.98 17.96 20.39 23.19 26.52 30.42 35.08 70
56 3.79 5.93 7.70 9.11 10.33 11.40 12.51 13.75 15.25 16.94 19.14 21.80 24.95 28.57 32.83 38.00 71
57 4.09 6.42 8.29 9.77 10.99 12.10 13.27 14.55 16.07 17.97 20.39 23.41 26.85 30.81 35.44 41.28 72
58 4.46 6.98 9.00 10.56 11.81 12.99 14.20 15.50 16.99 19.09 21.81 25.10 28.89 33.23 38.33 44.35 73
59 4.87 7.63 9.84 11.49 12.83 14.06 15.30 16.59 18.11 20.38 23.31 26.87 31.03 35.86 41.16 47.66 74
60 5.33 8.37 10.75 12.51 13.98 15.25 16.51 17.81 19.44 21.79 24.93 28.74 33.32 _8.41 44.19 51.48 75
61 5.88 9.13 11.69 13.60 15.18 16.49 17.78 19.16 20.88 23.33 26.65 30.78 35.57 41.15 47.63 55.63 76
62 6.48 9.91 12.62 14.72 16.35 17.74 19.12 20.58 22.43 24.99 28.55 32.80 38.00 44.26 51.28 60.07 77
63 7.14 10.78 13.64 15.84 17.48 18.95 20.40 21.98 23.96 26.71 30.36 34.93 40.73 47.54 55.13 64.83 78
64 7.87 11.80 14.76 16.96 18.64 20.14 21.67 23.35 25.55 28.37 32.27 37.34 43.63 50.99 59.15 69.77 79
65 8.66 12.84 15.92 18.09 19.83 21.40 23.01 24.89 27.23 30.27 34.57 40.02 46.77 54.65 63.39 74.70 80
66 9.50 13.82 16.98 19.19 21.07 22.78 24.58 26.63 29.25 32.68 37.34 43.25 50.53 59.04 68.51 80.42 81
67 10.40 14.63 17.84 20.26 22.38 24.36 26.39 28.79 31.90 35.62 40.66 46.97 54.71 63.77 73.94 86.50 82
68 11.34 15.31 18.54 21.26 23.77 26.13 28.62 31.65 35.21 39.25 44.65 51.27 59.37 68.85 79.64 92.85 83
69 12.34 15.95 19.18 22.23 25.20 28.16 31.43 35.07 39.14 43.51 49.24 56.12 64.44 74.23 85.60 99.98 84
70 13.38 16.51 19.76 23.12 26.68 30.52 34.60 38.98 43.60 48.31 54.39 61 42 69.87 79.87 91.78 107.64 85
71 14.35 17.71 21.16 24.73 28.66 32.75 37.11 41.78 46.69 51.72 58.18 65.64 74.60 85.19 97.80 114.60 86
72 15.39 18.97 22.63 26.57 30.76 35.14 39.78 44.75 49.99 55.32 62.18 70.10 79.58 90.80 104.13 122.57 87
73 16.45 20.26 24.28 28.48 32.95 37.61 42.55 47.84 53.39 59.04 66.30 74.67 84.70 96.53 111.21 134.42 88
74 17.30 21.39 25.60 30.01 34.70 39.58 44.75 50.28 56.07 61.95 69.49 78.19 88.60 100.88 119.96 145.00 89
75 17.93 22.15 26.50 31.04 35.86 40.88 46.19 51.85 57.78 63.76 71.47 80.34 90.93 105.49 127.02 153.59 90
160.80 91
168.13 92
177.85 93
192.55 94
All Plans ___ charges FT
Female Preferred non smoker
1 0.53 0.33 0.25 0.20 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 16
2 0.34 0.26 0.21 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 0.35 17
3 0.26 0.21 0.19 0.16 0.15 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.25 0.30 0.35 0.40 18
4 0.21 0.19 0.16 0.15 0.13 0.12 0.12 0.11 0.12 0.15 0.19 0.25 0.30 0.36 0.40 0.43 19
5 0.19 0.17 0.15 0.13 0.12 0.12 0.12 0.12 0.16 0.19 0.25 0.30 0.36 0.40 0.43 0.44 20
6 0.17 0.15 0.14 0.12 0.12 0.12 0.12 0.16 0.20 0.25 0.31 0.36 0.40 0.44 0.44 0.32 21
7 0.16 0.14 0.12 0.12 0.12 0.13 0.16 0.20 0.25 0.31 0.36 0.41 0.44 0.45 0.33 0.31 22
8 0.14 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.36 0.41 0.44 0.45 0.33 0.32 0.31 23
9 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.33 0.32 0.31 0.30 24
10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.33 0.32 0.31 0.31 0.29 25
11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.33 0.32 0.31 0.31 0.30 0.29 26
12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.33 0.32 0.31 0.31 0.30 0.29 0.28 27
13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.34 0.33 0.31 0.31 0.30 0.29 0.28 0.29 28
14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.35 0.33 0.32 0.31 0.30 0.29 0.28 0.29 0.29 29
15 0.26 0.32 0.37 0.41 0.44 0.46 0.36 0.34 0.33 0.31 0.30 0.30 0.28 0.29 0.30 0.30 30
16 0.33 0.38 0.40 0.43 0.45 0.36 0.35 0.34 0.32 0.31 0.30 0.29 0.29 0.30 0.31 0.31 31
17 0.38 0.41 0.42 0.44 0.36 0.35 0.34 0.32 0.31 0.30 0.29 0.30 0.30 0.31 0.32 0.31 32
18 0.39 0.41 0.43 0.34 0.35 0.33 0.32 0.31 0.30 0.29 0.28 0.29 0.30 0.31 0.32 0.31 33
19 0.38 0.41 0.33 0.33 0.32 0.31 0.30 0.29 0.29 0.28 0.29 0.29 0.30 0.31 0.32 0.31 34
20 0.36 0.30 0.31 0.31 0.30 0.28 0.28 0.27 0.27 0.27 0.27 0.29 0.30 0.31 0.32 0.32 35
21 0._6 0.29 0.29 0.29 0.28 0.26 0.26 0.26 0.26 0.27 0.27 0.28 0.30 0.31 0.33 0.33 36
22 0.25 0.27 0.29 0.28 0.27 0.26 0.26 0.25 0.26 0.26 0.27 0.28 0.30 0.32 0.34 0.34 37
23 0.24 0.27 0.28 0.28 0.27 0.26 0.25 0.25 0.26 0.27 0.28 0.29 0.31 0.33 0.35 0.38 38
24 0.23 0.26 0.27 0.27 0.27 0.26 0.26 0.26 0.27 0.28 0.29 0.31 0.33 0.36 0.39 0.41 39
25 0.22 0.25 0.27 0.27 0.27 0.26 0.26 0.27 0.28 0.29 0.31 0.33 0.36 0.40 0.43 0.46 40
26 0.22 0.24 0.26 0.26 0.27 0.27 0.27 0.28 0.29 0.31 0.33 0.36 0.40 0.44 0.48 0.50 41
27 0.22 0.23 0.25 0.26 0.27 0.28 0.29 0.30 0.32 0.34 0.36 0.40 0.44 0.49 0.53 0.55 42
28 0.22 0.24 0.26 0.27 0.29 0.30 0.31 0.33 0.35 0.37 0.40 0.44 0.49 0.54 0.58 0.61 43
29 0.23 0.25 0.27 0.28 0.30 0.32 0.34 0.36 0.38 0.42 0.46 0.50 0.54 0.59 0.64 0.68 44
30 0.25 0.26 0.28 0.30 0.33 0.35 0.37 0.40 0.43 0.48 0.52 0.56 0.60 0.66 0.71 0.76 45
31 0.25 0.28 0.30 0.32 0.34 0.37 0.40 0.43 0.48 0.58 0.57 0.61 0.66 0.73 0.79 0.85 46
32 0.26 0.29 0.31 0.34 0.36 0.40 0.43 0.47 0.52 0.53 0.62 0.68 0.74 0.81 0.88 0.96 47
33 0.26 0.29 0.32 0.35 0.39 0.43 0.47 0.52 0.57 0.63 0.68 0.75 0.82 0.91 1.00 1.07 48
34 0.26 0.30 0.33 0.37 0.42 0.46 0.51 0.56 0.62 0.68 0.75 0.82 0.91 1.02 1.11 1.21 49
35 0.26 0.31 0.35 0.40 0.4_ 0.50 0.55 0.61 0.68 0.74 0.82 0.91 1.02 1.13 1.25 1.36 50
36 0.25 0.3_ 0.37 0.42 0.48 0.54 0.59 0.66 0.72 0.80 0.89 0.99 1.11 1.24 1.37 1.49 51
37 0.26 0.32 0.39 0.45 0.51 0.57 0.64 0.71 0.78 0.86 0.96 1.07 1.20 1.35 1.50 1.63 52
38 0.27 0.34 0.42 0.49 0.55 0.62 0.68 0.76 0.84 0.93 1.03 1.15 1.29 1.46 1.64 1.79 53
39 0.28 0.37 0.45 0.52 0.59 0.66 0.73 0.82 0.91 1.00 1.11 1.24 1.39 1.58 1.81 1.97 54
40 0.30 0.39 0.48 0.56 0.63 0.70 0.79 0.88 0.97 1.07 1.19 1.33 1.50 1.72 1.98 2.20 55
41 0.32 0.43 0.52 0.61 0.69 0.77 0.86 0.95 1.06 1.17 1.29 1.45 1.64 1.89 2.19 2.46 56
42 0.34 0.46 0.56 0.66 0.75 0.84 0.93 1.03 1.14 1.27 1.41 1.59 1.81 2.08 2.42 2.75 57
43 0.36 0.49 0.60 0.71 0.81 0.90 1.00 1.11 1.23 1.37 1.54 1.75 2.00 2.30 2.67 3.03 58
44 0.38 0.52 0.64 0.76 0.86 0.96 1.07 1.18 1.31 1.49 1.69 1.93 2.21 2.54 2.92 3.32 59
45 0.40 0.55 0.69 0.81 0.92 1.03 1.14 1.27 1.41 1.61 1.85 2.13 2.44 2.79 3.20 3.62 60
46 0.42 0.58 0.73 0.87 0.99 1.11 1.23 1.37 1.53 1.76 2.03 2.35 2.71 3.11 3.57 4.01 61
47 0.45 0.62 0.78 0.93 1.07 1.20 1.34 1.49 1.68 1.92 2.23 2.59 2.99 3.45 3.97 4.46 62
48 0.47 0.66 0.84 1.01 1.17 1.32 1.47 1.64 1.86 2.11 2.44 2.83 3.30 3.82 4.41 4.97 63
49 0.49 0.70 0.90 1.09 1.28 1.45 1.63 1.82 2.06 2.31 2.67 3.10 3.62 4.21 4.90 5.56 64
50 0.51 0.75 0.97 1.19 1.40 1.60 1.80 2.01 2.25 2.51 2.90 3.37 3.96 4.64 5.44 6.21 65
51 0.59 0.82 1.07 1.31 1.55 1.78 2.01 2.25 2.50 2.78 3.20 3.72 4.36 5.14 6.04 6.91 66
52 0.59 0.90 1.18 1.45 1.71 1.97 2.22 2.47 2.75 3.06 3.51 4.09 4.81 5.67 6.69 7.66 67
53 0.63 0.98 1.30 1.58 1.87 2.14 2.41 2.69 2.99 3.33 3.84 4.49 5.28 6.24 7.36 8.46 68
54 0.68 1.07 l.42 1.73 2.03 2.30 2.59 2.89 3.23 3.62 4.19 4.92 5.79 6.83 8.07 9.26 69
55 0.74 1.17 1.55 1.88 2.19 2.48 2.77 3.10 3.49 3.92 4.57 5.38 6.34 7.48 8.85 10.11 70
56 0.81 1.28 1.70 2.05 2.37 2.66 2.97 3.32 3.75 4.25 4.97 5.87 6.94 8.19 9.69 11.12 71
57 0.__ 1._2 1.87 2.25 2.57 2.88 3.22 3.59 4.04 4.60 5.41 6.41 7.59 8.97 10.63 12.26 72
58 0.99 1.58 2.08 2.48 2.82 3.16 3.51 3.91 4.36 5.00 5.89 7.00 8.30 9.83 11.67 13.57 73
59 1.10 1.77 2.32 2.75 3.12 3.49 3.87 4.27 4.75 5.43 6.41 7.62 9.06 10.78 12.91 15.03 74
60 1.24 1._8 2.58 3.06 3.48 3.86 4.26 4.68 5.20 5.91 6.97 8.29 9.89 11.88 14.27 16.63 75
61 1.39 2.20 2.86 3.39 3.85 4.27 4.69 5.14 5.69 6.44 7.62 9.09 10.98 13.30 16.04 18.83 76
62 1.56 2.43 3.15 3.75 4.24 4.69 5.14 5.63 6.22 7.03 8.33 10.03 l2.20 14.85 18.01 21.29 77
63 1.76 2.70 3.48 4.12 4.63 5.11 5.60 6.12 6.77 7.65 9.14 11.06 13.52 16.56 20.19 23.88 78
64 1.98 3.02 3.85 4.51 5.04 5.55 6.06 6.63 7.35 8.34 10.02 12.18 14.99 18.45 22.43 26.71 79
65 2.22 3.36 4.24 4.91 5.48 6.01 6.56 7.20 8.04 9.14 11.01 13.45 16.61 20.41 24.90 29.71 80
66 2.49 3.69 4.62 5.32 5.94 6.52 7.14 7.90 8.87 10.08 12.22 15.02 18.53 22.88 28.05 33.50 81
67 2.78 4.00 4.96 5.73 6.44 7.12 7.87 8.77 9.88 11.23 13.67 16.76 20.72 25.63 31.54 37.71 82
68 3.11 4.27 5.27 6.15 6.98 7.83 8.75 9.83 11.13 12.64 15.35 18.81 23.22 28.70 35.39 42.34 83
69 3.46 4.55 5.57 6.56 7.58 8.64 9.80 11.12 12.64 14.26 17.32 21.16 26.02 32.10 39.61 47.65 84
70 3.83 4.82 5.86 6.99 8.22 9.55 11.01 12.62 14.33 16.12 19.58 23.82 29.15 35.82 44.22 53.61 85
71 4.21 5.28 6.42 7.65 9.00 10.45 12.04 13.77 15.62 17.58 21.49 26.29 32.35 39.94 49.53 60.31 86
72 4.61 5.78 7.03 8.37 9.84 11.43 13.14 15.01 17.03 19.15 23.58 29.02 35.89 44.53 55.45 67.78 87
73 5.04 6.32 7.68 9.14 10.75 12.46 14.31 16.34 18.53 20.84 25.82 31.96 39.74 49.52 61.93 76.51 88
74 5.42 6.79 8.24 9.81 11.52 13.34 15.33 17.50 19.84 22.30 27.82 34.63 43.27 54.17 68.45 84.88 89
75 5.71 7.15 8.69 10.33 12.12 14.04 16.12 18.39 20.86 23.44 29.43 36.84 46.26 58.50 74.22 92.40 90
96.60 91
100.88 92
106.65 93
115.41 94
All Plans ___ Charges FT
Female non smoker
1 0.53 0.33 0.25 0.20 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 16
2 0.34 0.26 0.21 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 0.35 17
3 0.26 0.21 0.19 0.16 0.15 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.25 0.30 0.35 0.40 18
4 0.21 0.19 0.16 0.15 0.13 0.12 0.12 0.11 0.12 0.15 0.19 0.25 0.30 0.36 0.40 0.43 19
5 0.19 0.17 0.15 0.13 0.12 0.12 0.12 0.12 0.16 0.19 0.25 0.30 0.36 0.40 0.43 0.44 20
6 0.17 0.15 0.14 0.12 0.12 0.12 0.12 0.16 0.20 0.25 0.31 0.36 0.40 0.44 0.44 0.40 21
7 0.16 0.14 0.12 0.12 0.12 0.13 0.16 0.20 0.25 0.31 0.36 0.41 0.44 0.45 0.41 0.39 22
8 0.14 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.36 0.41 0.44 0.45 0.42 0.40 0.38 23
9 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.43 0.41 0.39 0.38 24
10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.44 0.42 0.40 0.38 0.37 25
11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.45 0.43 0.41 0.39 0.37 0.36 26
12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.46 0.44 0.42 0.40 0.38 0.37 0.35 27
13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.48 0.45 0.43 0.41 0.39 0.37 0.35 0.36 28
14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.49 0.46 0.44 0.42 0.40 0.38 0.36 0.37 0.37 29
15 0.26 0.32 0.37 0.41 0.44 0.46 0.50 0.48 0.45 0.43 0.41 0.39 0.37 0.37 0.37 0.38 30
16 0.33 0.38 0.40 0.43 0.45 0.50 0.49 0.47 0.44 0.43 0.40 0.38 0.38 0.38 0.39 0.39 31
17 0.38 0.41 0.42 0.44 0.50 0.48 0.47 0.45 0.43 0.42 0.39 0.39 0.39 0.39 0.40 0.39 32
18 0.39 0.41 0.43 0.48 0.48 0.46 0.44 0.43 0.42 0.41 0.39 0.39 0.40 0.40 0.40 0.38 33
19 0.38 0.41 0.45 0.46 0.45 0.43 0.42 0.41 0.40 0.39 0.37 0.39 0.39 0.40 0.40 0.39 34
20 0.36 0.42 0.43 0.43 0.42 0.39 0.39 0.38 0.38 0.38 0.37 0.38 0.39 0.40 0.40 0.40 35
21 0.36 0.40 0.41 0.40 0.39 0.36 0.36 0.36 0.36 0.37 0.37 0.38 0.39 0.40 0.41 0.41 36
22 0.34 0.38 0.40 0.39 0.38 0.36 0.36 0.35 0.36 0.37 0.37 0.38 0.39 0.41 0.42 0.43 37
23 0.34 0.37 0.39 0.38 0.37 0.36 0.35 0.35 0.36 0.37 0.38 0.39 0.41 0.43 0.44 0.47 38
24 0.32 0.36 0.38 0.38 0.37 0.36 0.36 0.36 0.37 0.38 0.40 0.41 0.43 0.46 0.48 0.52 39
25 0.31 0.34 0.37 0.37 0.38 0.37 0.37 0.37 0.39 0.41 0.42 0.44 0.47 0.51 0.54 0.57 40
26 0.30 0.33 0.36 0.37 0.38 0.38 0.38 0.39 0.41 0.43 0.45 0.48 0.52 0.56 0.60 0.63 41
27 0.30 0.33 0.35 0.37 0.38 0.39 0.40 0.42 0.44 0.47 0.49 0.53 0.57 0.62 0.66 0.69 42
28 0.31 0.33 0.36 0.38 0.40 0.41 0.43 0.45 0.48 0.52 0.55 0.59 0.63 0.69 0.73 0.77 43
29 0.33 0.35 0.37 0.39 0.42 0.44 0.47 0.50 0.53 0.59 0.62 0.66 0.71 0.76 0.80 0.85 44
30 0.34 0.37 0.40 0.42 0.45 0.48 0.51 0.55 0.60 0.66 0.70 0.74 0.78 0.84 0.89 0.95 45
31 0.35 0.38 0.41 0.44 0.48 0.52 0.55 0.60 0.66 0.73 0.77 0.81 0.87 0.93 0.99 1.06 46
32 0.36 0.40 0.43 0.47 0.51 0.55 0.60 0.66 0.73 0.80 0.84 0.90 0.96 1.03 1.11 1.19 47
33 0.36 0.40 0.45 0.49 0.54 0.59 0.66 0.72 0.79 0.87 0.93 0.99 1.07 1.16 1.25 1.34 48
34 0.35 0.41 0.46 0.52 0.58 0.65 0.71 0.78 0.86 0.95 1.02 1.09 1.19 1.30 1.39 1.51 49
35 0.36 0.42 0.49 0.56 0.63 0.70 0.77 0.85 0.94 1.03 1.11 1.21 1.33 1.45 1.56 1.70 50
36 0.35 0.43 0.51 0.59 0.67 0.74 0.83 0.91 1.01 1.11 1.21 1.32 1.44 1.58 1.71 1.87 51
37 0.36 0.45 0.54 0.63 0.71 0.80 0.89 0.98 1.08 1.20 1.31 1.42 1.56 1.72 1.88 2.03 52
38 0.37 0.47 0.58 0.67 0.77 0.85 0.95 1.06 1.17 1.30 1.40 1.53 1.68 1.87 2.06 2.24 53
39 0.39 0.51 0.62 0.72 0.82 0.92 1.02 1.14 1.26 1.39 1.51 1.64 1.81 2.02 2.26 2.47 54
40 0.42 0.55 0.67 0.78 0.88 0.98 1.09 1.22 1.35 1.49 1.61 1.76 1.95 2.20 2.48 2.75 55
41 0.45 0.59 0.73 0.85 0.96 1.07 1.19 1.32 1.47 1.62 1.76 1.92 2.14 2.41 2.74 3.07 56
42 0.48 0.64 0.78 0.92 1.04 1.16 1.29 1.43 1.59 1.76 1.92 2.11 2.35 2.66 3.03 3.44 57
43 0.50 0.68 0.84 0.98 1.12 1.25 1.38 1.54 1.70 1.91 2.10 2.33 2.60 2.93 3.34 3.79 58
44 0.53 0.72 0.90 1.06 1.20 1.33 1.48 1.64 1.82 2.07 2.30 2.56 2.88 3.25 3.65 4.16 59
45 0.56 0.76 0.95 1.13 1.28 1.43 1.59 1.76 1.96 2.24 2.52 2.83 3.18 3.56 4.00 4.52 60
46 0.59 0.81 1.01 1.21 1.38 1.54 1.71 1.90 2.12 2.44 2.76 3.13 3.53 3.96 4.46 5.02 61
47 0.62 0.86 1.08 1.30 1.49 1.67 1.86 2.07 2.34 2.67 3.04 3.44 3.90 4.40 4.96 5.57 62
48 0.65 0.91 1.16 1.40 1.63 1.83 2.04 2.28 2.59 2.93 3.32 3.77 4.29 4.87 5.51 6.22 63
49 0.68 0.98 1.25 1.52 1.78 2.02 2.26 2.53 2.86 3.20 3.62 4.12 4.71 5.38 6.13 6.95 64
50 0.71 1.04 1.35 1.65 1.94 2.22 2.50 2.80 3.12 3.49 3.94 4.49 5.15 5.92 6.80 7.76 65
51 0.76 1.14 1.49 1.82 2.15 2.48 2.79 3.12 3.47 3.87 4.34 4.94 5.68 6.55 7.55 8.64 66
52 0.81 1.25 1.64 2.01 2.37 2.73 3.08 3.44 3.81 4.25 4.77 5.44 6.26 7.24 8.36 9.58 67
53 0.88 1.36 1.80 2.20 2.60 2.97 3.34 3.73 4.15 4.63 5.22 5.97 6.88 7.96 9.20 10.58 68
54 0.95 1.49 1.97 2.40 2.81 3.20 3.59 4.01 4.49 5.03 5.70 6.54 7.54 8.72 10.09 11.58 69
55 1.02 1.63 2.15 2.61 3.04 3.44 3.85 4.30 4.84 5.45 6.21 7.15 8.26 9.54 11.06 12.64 70
56 1.12 1.78 2.36 2.85 3.30 3.70 4.13 4.62 5.21 5.90 6.76 7.81 9.03 10.45 12.12 13.91 71
57 1.23 1.97 2.60 3.12 3.58 4.00 4.47 4.98 5.61 6.39 7.36 8.53 9.88 11.44 13.29 15.33 72
58 1.37 2.19 2.89 3.45 3.92 4.39 4.88 5.43 6.06 6.94 8.01 9.30 10.80 12.54 14.49 16.97 73
59 1.53 2.45 3.22 3.82 4.34 4.84 5.37 5.93 6.60 7.54 8.71 10.13 11.80 13.75 16.13 18.78 74
60 1.72 2.74 3.59 4.24 4.83 5.37 5.92 6.51 7.22 8.21 9.47 11.02 l2.88 15.16 17.84 20.79 75
61 1.93 3.05 3.98 4.71 5.35 5.93 6.51 7.14 7.90 8.95 10.35 12.09 14.30 16.96 20.05 23.53 76
62 2.17 3.38 4.38 5.20 5.89 6.51 7.14 7.81 8.64 9.76 11.32 13.34 15.88 18.94 22.51 26.60 77
63 2.44 3.75 4.83 5.72 6.44 7.10 7.77 8.50 9.41 10.62 12.42 14.71 17.61 21.13 25.23 29.84 78
64 2.75 4.19 5.35 6.26 7.01 7.70 8.41 9.21 10.21 11.59 13.61 16.20 19.51 23.54 28.04 33.38 79
65 3.09 4.66 5.89 6.82 7.61 8.35 9.11 10.00 11.17 12.70 14.95 17.89 21.63 26.03 31.12 37.15 80
66 3.46 5.13 6.42 7.39 8.25 9.06 9.92 10.98 12.32 14.00 16.60 19.97 24.13 29.18 35.07 41.87 81
67 3.87 5.55 6.89 7.96 8.94 9.88 10.93 12.18 13.72 15.60 18.57 22.29 26.98 32.70 39.43 47.14 82
68 4.32 5.94 7.32 8.54 7.70 10.87 12.16 13.66 15.46 17.56 20.86 25.01 30.24 36.61 44.23 52.92 83
69 4.80 6.32 7.74 9.11 10.53 12.01 13.61 15.45 17.55 19.81 23.54 28.14 33.89 40.93 49.52 59.56 84
70 5.32 6.69 8.14 9.71 11.42 13.27 15.29 17.53 19.90 22.39 26.61 31.67 37.95 45.69 55.28 67.02 85
71 5.84 7.33 8.92 10.63 12.50 14.51 16.73 19.12 21.69 24.41 29.19 34.96 42.12 50.95 61.92 75.39 86
72 6.40 8.04 9.77 11.63 13.67 15.88 18.25 20.84 23.66 26.60 32.03 38.59 46.73 56.79 69.32 84.72 87
73 7.00 8.78 10.67 12.70 14.93 17.30 19.87 22.70 25.74 28.94 35.09 42.50 51.74 63.17 77.41 95.63 88
74 7.53 9.43 11.45 13.63 16.00 18.53 21.29 24.30 27.56 30.98 37.79 46.05 56.34 69.09 85.55 106.10 89
75 7.93 9.94 12.07 14.35 16.83 19.50 22.38 25.55 28.97 32.55 39.98 49.00 60.23 74.62 92.79 115.51 90
120.74 91
126.11 92
133.31 93
144.25 94
All plans ___ Charges FT
Female Preferred Smoker
[x] [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
1 0.53 0.33 0.25 0.20 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 16
2 0.34 0.26 0.21 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 0.35 17
3 0.26 0.21 0.19 0.16 0.15 0.13 0.12 0.11 O.11 0.12 0.15 0.19 0.25 0.30 0.35 0.40 18
4 0.21 0.19 0.16 0.15 0.13 0.12 0.12 0.11 0.12 0.15 0.19 0.25 0.30 0.36 0.40 0.43 19
5 0.19 0.17 0.15 O.13 0.12 0.12 0.12 0.12 0.16 0.19 0.25 0.30 0.36 0.40 0.43 0.44 20
6 0.17 0.15 0.14 0.12 0.12 0.12 0.12 0.16 0.20 0.25 0.31 0.36 0.40 0.44 0.44 0.66 21
7 0.16 0.14 0.12 0.12 0.12 0.13 0.16 0.20 0.25 0.31 0.36 0.41 0.44 0.45 0.66 0.64 22
8 0.14 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.36 0.41 0.44 0.45 0.65 0.65 0.63 23
9 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.64 0.64 0.63 0.62 24
10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.63 0.62 0.62 0.62 0.60 25
11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.61 0.61 0.61 0.61 0.60 0.59 26
12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.59 0.59 0.59 0.60 0.60 0.59 0.57 27
13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.59 0.58 0.58 0.59 0.58 0.59 0.57 0.59 28
14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.58 0.57 0.57 0.57 0.57 0.58 0.57 0.59 0.60 29
15 0.26 0.32 0.37 0.41 0.44 0.46 0.58 0.57 0.56 0.55 0.56 0.56 0.56 0.59 0.61 0.62 30
16 0.33 0.38 0.40 0.43 0.45 0.57 0.57 0.56 0.55 0.55 0.55 0.58 0.58 0.60 0.62 0.63 31
17 0.38 0.41 0.42 0.44 0.56 0.55 0.54 0.54 0.54 0.53 0.53 0.57 0.59 0.62 0.64 0.64 32
18 0.39 0.41 0.43 0.53 0.54 0.52 0.52 0.52 0.52 0.52 0.52 0.56 0.59 0.62 0.64 0.63 33
19 0.38 0.41 0.49 0.50 0.50 0.49 0.49 0.49 0.49 0.50 0.51 0.55 0.59 0.63 0.64 0.64 34
20 0.36 0.45 0.47 0.47 0.47 0.45 0.46 0.46 0.47 0.49 0.50 0.55 0.58 0.62 0.65 0.65 35
21 0.38 0.42 0.44 0.44 0.43 0.41 0.42 0.43 0.45 0.47 0.50 0.54 0.58 0.62 0.66 0.67 36
22 0.37 0.41 0.44 0.44 0.43 0.42 0.43 0.43 0.46 0.49 0.52 0.55 0.59 0.64 0.69 0.72 37
23 0.36 0.41 0.44 0.44 0.43 0.43 0.44 0.45 0.48 0.51 0.54 0.58 0.63 0.68 0.73 0.79 38
24 0.35 0.40 0.43 0.44 0.45 0.44 0.46 0.48 0.50 0.54 0.58 0.62 0.68 0.74 O.82 0.88 39
25 0.35 0.39 0.43 0.45 0.46 0.47 0.48 0.51 0.54 0.58 0.63 0.68 O.75 0.84 0.92 0.99 40
26 0.34 0.39 0.43 0.45 0.48 0.50 0.52 0.54 0.58 0.62 0.68 0.74 0.83 0.93 1.03 1.10 41
27 0.35 0.39 0.43 0.47 0.51 0.53 0.56 0.59 0.63 0.68 0.75 0.83 0.94 1.05 1.16 1.22 42
28 0.37 0.41 0.46 0.50 0.54 0.58 0.61 0.65 0.70 0.76 0.84 0.94 1.05 1.17 1.28 1.37 43
29 0.40 0.44 0.49 0.54 0.59 0.63 0.67 0.73 0.79 0.88 0.97 1.06 1.18 1.30 1.43 1.53 44
30 0.44 0.49 0.54 0.59 0.64 0.70 0.75 0.82 0.90 1.01 1.10 1.21 1.32 1.46 1.60 1.71 45
31 0.47 0.52 0.57 0.63 0.69 0.75 0.82 0.90 1.01 1.12 1.23 1.34 1.47 1.63 1.78 1.91 46
32 0.49 0.55 0.61 0.67 0.74 0.81 0.90 1.00 1.12 1.24 1.36 1.49 1.64 1.81 1.98 2.13 47
33 0.50 0.57 0.64 0.72 0.80 0.89 1.00 1.10 1.23 1.37 1.50 1.66 1.83 2.03 2.22 2.38 48
34 0.50 0.59 0.68 0.77 0.87 0.98 1.09 1.22 1.35 1.50 1.66 1.84 2.04 2.27 2.48 2.67 49
35 0.51 0.62 0.72 0.84 0.95 1.07 1.20 1.33 1.48 1.65 1.83 2.03 2.27 2.52 2.76 3.00 50
36 0.51 0.64 0.76 0.89 1.03 1.16 1.30 1.44 1.60 1.77 1.97 2.19 2.45 2.74 3.02 3.27 51
37 O.53 0.67 0.82 0.97 1.11 1.25 1.40 1.56 1.73 1.91 2.13 2.36 2.65 2.97 3.29 3.52 52
38 0.56 0.72 0.89 1.05 1.20 1.35 1.51 1.69 1.86 2.06 2.27 2.53 2.84 3.19 3.55 3.82 53
39 0.60 0.79 0.96 1.13 1.30 1.46 1.63 1.81 2.01 2.20 2.43 2.70 3.03 3.41 3.86 4.15 54
40 0.64 0.85 1.04 1.23 1.40 1.57 1.74 1.94 2.14 2.35 2.60 2.88 3.23 3.67 4.18 4.55 55
41 0.69 0.93 1.15 1.35 1.53 1.70 1.89 2.09 2.31 2.54 2.80 3.10 3.49 3.97 4.54 5.00 56
42 0.75 1.01 1.25 1.46 1.65 1.84 2.04 2.25 2.49 2.74 3.02 3.37 3.79 4.30 4.92 5.49 57
43 0.80 1.08 1.34 1.57 1.78 1.97 2.18 2.41 2.65 2.93 3.26 3.66 4.11 4.67 5.34 5.95 58
44 0.84 1.15 1.43 1.68 1.89 2.10 2.32 2.55 2.80 3.14 3.52 3.96 4.47 5.07 5.74 6.37 59
45 0.89 1.22 1.52 1.79 2.01 2.24 2.47 2.70 2.97 3.36 3.80 4.29 4.86 5.47 6.14 6.78 60
46 0.94 1.28 1.60 1.90 2.16 2.39 2.62 2.89 3.18 3.59 4.10 4.67 5.29 5.94 6.68 7.37 61
47 0.98 1.36 1.71 2.03 2.32 2.56 2.82 3.10 3.44 3.86 4.42 5.04 5.71 6.45 7.28 8.02 62
48 1.02 1.44 1.82 2.18 2.50 2.78 3.06 3.36 3.74 4.16 4.74 5.39 6.15 6.99 7.94 8.77 63
49 1.07 l.53 1.95 2.33 2.70 3.02 3.33 3.66 4.06 4.47 5.06 5.76 6.61 7.57 8.65 9.61 64
50 1.11 1.62 2.08 2.50 2.91 3.27 3.61 3.97 4.36 4.76 5.37 6.15 7.09 8.17 9.40 10.50 65
51 1.10 1.__ 2.26 2.73 3.17 3.58 3.97 4.35 4.73 5.14 5.81 6.65 7.66 8.86 10.22 11.45 66
52 1.25 1.90 2.46 2.96 3.43 3.88 4.29 4.68 5.08 5.54 6.26 7.16 8.27 9.58 11.07 12.41 67
53 1.33 2.04 2.65 3.18 3.69 4.14 4.56 4.97 5.42 5.93 6.71 7.70 8.90 10.31 11.93 13.40 68
54 1.42 2.19 2.84 3.41 3.93 4.36 4.78 5.24 5.75 6.31 7.10 8.26 9.55 11.05 12.79 14.34 69
55 1.51 2.35 3.06 3.64 4.15 4.58 5.02 5.50 6.07 6.69 7.66 8.84 10.22 11.82 13.70 15.29 70
56 1.62 2.__ 3.29 3.88 4.39 4.83 5.29 5.79 6.40 7.10 8.16 9.45 10.94 12.65 14.66 16.42 71
57 1.75 2.75 3.54 4.16 4.67 5.13 5.60 6.13 6.75 7.53 8.69 10.09 11.70 13.53 15.69 17.66 72
58 1.91 2.99 3.84 4.50 5.02 5.50 5.99 6.53 7.14 7.99 9.24 10.75 12.49 14.48 16.80 19.06 73
59 2.09 3.27 4.20 4.89 5.44 5.95 6.46 6.99 7.60 8.50 9.83 11.43 13.32 15.48 18.12 20.56 74
60 2.29 3.58 4.59 5.32 5.93 6.46 6.97 7.49 8.13 9.04 10.44 12.15 14.18 16.65 19.52 22.30 75
61 2.52 3.91 4.99 5.78 6.44 6.98 7.50 8.04 8.70 9.62 11.14 13.00 15.35 18.15 21.51 24.73 76
62 2.78 4.24 5.38 6.26 6.94 7.50 8.05 8.60 9.29 10.25 11.88 13.99 16.61 19.86 23.67 27.39 77
63 3.06 4.61 5.82 6.74 7.42 8.00 8.56 9.14 9.87 10.88 12.71 15.03 18.05 21.72 25.98 30.09 78
64 3.37 5.05 6.30 7.21 7.89 8.48 9.05 9.66 10.46 11.57 13.57 16.22 19.60 23.69 28.26 32.93 79
65 3.71 5.49 6.79 7.68 8.37 8.97 9.57 10.24 11.16 12.35 14.62 17.55 21.28 25.66 30.70 35.84 80
66 4.07 5.91 7.23 8.14 8.87 9.51 10.16 10.96 11.98 13.35 15.90 19.19 23.24 28.15 33.84 39.49 81
67 4.46 6.25 7.59 8.56 9.39 10.12 10.91 11.85 13.08 14.57 17.42 20.97 25.43 30.85 37.19 43.44 82
68 4.86 6.54 7.87 8.96 9.93 10.85 11.83 13.02 14.45 16.07 19.15 23.02 27.88 33.76 40.77 47.63 83
69 5.29 6.80 8.12 9.33 10.52 11.68 12.98 14.44 16.06 17.75 21.15 25.34 30.54 36.89 44.56 52.32 84
70 5.72 7.02 8.34 9.69 11.11 12.65 14.29 16.04 17.83 19.63 23.39 27.88 33.42 40.21 48.56 57.42 85
71 6.13 7.51 8.91 10.34 11.92 13.56 15.31 17.13 19.02 20.93 25.09 30.07 66.23 43.76 53.05 62.97 86
72 6.56 8.02 9.50 11.09 12.78 14.53 16.35 18.28 20.29 22.30 26.90 32.42 39.22 47.58 57.89 68.93 87
73 6.99 8.54 10.17 11.86 13.66 15.50 17.42 19.46 21.58 23.71 28.77 34.85 42.36 51.58 62.98 76.51 88
74 7.32 8.99 10.70 12.47 14.34 16.25 18.25 20.37 22.57 24.79 30.25 36.83 44.97 54.97 68.45 84.88 89
75 7.56 9.28 11.04 12.86 14.76 16.72 18.76 20.93 23.18 25.42 31.21 38.20 46.83 58.50 74.22 92.40 90
96.60 91
100.88 92
106.65 93
115.41 94
All plans ___ Charges FT
Female Smoker
[x] [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 2.32 0.52 0.33 0.25 0.20 0.18 0.15 0.14 0.13 0.11 0.11 0.11 0.12 0.15 0.19 0.24 15
1 0.53 0.33 0.25 0.20 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 16
2 0.34 0.26 0.21 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 0.35 17
3 0.26 0.21 0.19 0.16 0.15 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.25 0.30 0.35 0.40 18
4 0.21 0.19 0.16 0.15 0.13 0.12 0.12 0.11 0.12 0.15 0.19 0.25 0.30 0.36 0.40 0.43 19
5 0.19 0.17 0.15 0.13 0.12 0.12 0.12 0.12 0.16 0.19 0.25 0.30 0.36 0.40 0.43 0.44 20
6 0.17 0.15 0.14 0.12 0.12 0.12 0.12 0.16 0.20 0.25 0.31 0.36 0.40 0.44 0.44 0.81 21
7 0.16 0.14 0.12 0.12 0.12 0.13 0.16 0.20 0.25 0.31 0.36 0.41 0.44 0.45 0.81 0.79 22
8 0.14 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.36 0.41 0.44 0.45 0.83 0.79 0.77 23
9 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.85 0.81 0.77 0.75 24
10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.86 0.83 0.79 0.76 0.73 25
11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.88 0.84 0.81 0.78 0.74 0.72 26
12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.89 0.86 0.82 0.79 0.76 0.73 0.70 27
13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.88 0.87 0.84 0.81 0.77 0.75 0.70 0.72 28
14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.88 0.86 0.85 0.82 0.79 0.76 0.72 0.73 0.73 29
15 0.26 0.32 0.37 0.41 0.44 0.46 0.87 0.85 0.84 0.83 0.81 0.78 0.74 0.74 0.74 0.76 30
16 0.33 0.38 0.40 0.43 0.45 0.86 0.85 0.84 0.82 0.82 0.79 0.75 0.76 0.76 0.76 0.78 31
17 0.38 0.41 0.42 0.44 0.83 0.83 0.82 0.81 0.80 0.80 0.77 0.78 0.78 0.79 0.78 0.78 32
18 0.39 0.41 0.43 0.79 0.81 0.79 0.78 0.78 0.78 0.78 0.75 0.77 0.79 0.79 0.79 0.77 33
19 0.38 0.41 0.74 0.75 0.76 0.73 0.73 0.73 0.74 0.75 0.73 0.76 0.78 0.80 0.78 0.78 34
20 0.36 0.67 0.70 0.71 0.70 0.67 0.68 0.68 0.70 0.73 0.72 0.75 0.77 0.79 0.79 0.79 35
21 0.57 0.63 0.66 0.66 0.65 0.62 0.64 0.65 0.67 0.71 0.72 0.75 0.77 0.79 0.81 0.82 36
22 0.55 0.62 0.66 0.65 0.64 0.63 0.64 0.65 0.69 0.73 0.75 0.76 0.79 0.82 0.85 0.88 37
23 0.55 0.61 0.66 0.65 0.65 0.64 0.66 0.68 0.71 0.76 0.78 0.80 0.83 O.87 0.90 0.97 38
24 0.53 0.60 0.65 0.66 0.67 0.67 0.68 0.71 0.76 0.81 0.84 0.85 0.90 0.94 1.00 1.08 39
25 0.52 0.58 0.64 0.67 0.70 0.70 0.73 0.77 0.81 0.86 0.90 0.93 0.99 1.06 1.12 1.21 40
..26 0.52 0.58 0.64 0.68 0.72 0.75 0.78 0.82 0.87 0.93 0.98 1.03 1.10 1.19 1.26 1.34 41
27 0.53 0.58 0.65 0.70 0.76 0.80 0.84 0.89 0.95 1.03 1.08 1.15 1.24 1.34 1.41 1.49 42
28 0.56 0.62 0.68 0.75 0.81 0.87 0.91 0.98 1.05 1.15 1.21 1.30 1.39 1.49 1.57 1.67 43
29 0.60 0.66 0.73 0.81 0.88 0.94 1.01 1.09 1.18 1.32 1.39 1.47 1.56 1.66 1.75 1.87 44
30 0.66 0.73 0.81 0.88 0.96 1.05 1.12 1.23 1.36 1.51 1.59 1.67 1.75 1.86 1.95 2.09 45
31 0.70 0.79 0.86 0.95 1.03 1.13 1.23 1.35 1.51 1.68 1.76 1.85 1.95 2.07 2.17 2.33 46
32 0.74 0.83 0.92 1.01 1.11 1.22 1.35 1.50 1.68 1.86 1.95 2.06 2.18 2.31 2.42 2.61 47
33 0.75 0.86 0.96 1.08 1.20 1.34 1.49 1.65 1.84 2.05 2.16 2.29 2.43 2.58 2.72 2.91 48
34 0.76 0.89 1.02 1.15 1.31 1.47 1.64 1.82 2.02 2.25 2.39 2.54 2.71 2.89 3.03 3.26 49
35 0.77 0.93 1.08 1.26 1.43 1.61 1.79 1.99 2.22 2.47 2.63 2.80 3.00 3.20 3.37 3.66 50
36 0.77 0.96 1.15 1.34 1.54 1.73 1.94 2.16 2.40 2.66 2.83 3.03 3.25 3.49 3.69 3.99 51
37 0.80 1.01 1.22 1.45 1.67 1.87 2.10 2.35 2.60 2.86 3.06 3.26 3.51 3.78 4.02 4.30 52
38 0.84 1.08 1.33 1.57 1.80 2.03 2.27 2.54 2.80 3.08 3.27 3.49 3.76 4.06 4.34 4.67 53
39 0.89 1.18 1.45 1.70 1.95 2.19 2.45 2.72 3.01 3.30 3.50 3.73 4.02 4.34 4.71 5.08 54
40 0.96 1.28 1.56 1.85 2.10 2.35 2.62 2.91 3.21 3.52 3.73 3.97 4.27 4.67 5.11 5.56 55
41 1.04 1.29 1.73 2.03 2.29 2.55 2.83 3.14 3.47 3.81 4.03 4.28 4.62 5.05 5.54 6.12 56
42 1.12 1.51 1.87 2.20 2.48 2.76 3.05 3.38 3.74 4.11 4.34 4.65 5.02 5.48 6.02 6.71 57
43 1.19 1.62 2.01 2.35 2.67 2.96 3.27 3.61 3.98 4.40 4.70 5.05 5.45 5.94 6.53 7.27 58
44 1.27 1.73 2.14 2.52 2.84 3.15 3.48 3.83 4.20 4.70 5.07 5.47 5.93 6.46 7.01 7.79 59
45 1.34 1.83 2.27 2.68 3.02 3.36 3.70 4.05 4.46 5.04 5.46 5.93 6.44 6.96 7.50 8.28 60
46 1.41 1.92 2.40 2.85 3.24 3.59 3.94 4.33 4.77 5.39 5.89 6.45 7.01 7.56 8.16 9.01 61
47 1.47 2.04 2.56 3.05 3.48 3.85 4.23 4.65 5.16 5.79 6.36 6.95 7.57 8.20 8.90 9.81 62
48 1.54 2.16 2.74 3.26 3.75 4.17 4.59 5.04 5.61 6.25 6.82 7.45 8.15 8.90 9.70 10.72 63
49 1.60 2.29 2.92 3.50 4.06 4.53 4.99 5.49 6.10 6.70 7.28 7.95 8.76 9.63 10.57 11.74 64
50 1.67 2.44 3.11 3.75 4.36 4.90 5.42 5.96 6.54 7.14 7.73 8.49 9.39 10.39 11.48 12.84 65
51 1.77 2.63 3.39 4.09 4.76 5.37 5.96 6.53 7.09 7.72 8.36 9.18 10.15 11.27 12.49 13.99 66
52 1.88 2.85 3.69 4.44 5.15 5.83 6.44 7.02 7.61 8.32 9.01 9.89 10.96 12.19 13.53 15.17 67
53 1.99 3.07 3.97 4.77 5.53 6.21 6.83 7.45 8.13 8.89 9.66 10.63 11.80 13.12 14.58 16.38 68
54 2.12 3.29 4.26 5.11 5.89 6.54 7.18 7.86 8.62 9.46 10.32 11.41 12.66 14.06 15.63 17.53 69
55 2.26 3.53 4.58 5.46 6.22 6.87 7.53 8.25 9.11 10.04 11.02 12.21 13.55 15.05 16.74 18.69 70
56 2.43 3.80 4.93 5.82 6.58 7.25 7.93 8.69 9.61 10.65 11.74 13.05 14.50 16.10 17.91 20.07 71
57 2.63 4.12 5.31 6.24 7.00 7.69 8.40 9.19 10.12 11.29 12.50 13.93 15.50 17.22 19.18 21.58 72
58 2.87 4.48 5.76 6.75 7.53 8.25 8.99 9.79 10.71 11.99 13.30 14.85 16.56 18.43 20.54 23.29 73
59 3.13 4.90 6.30 7.34 8.17 8.93 9.69 10.48 11.40 12.75 14.14 15.79 17.65 19.71 22.15 25.12 74
60 3.43 5.37 6.88 7.99 8.90 9.68 10.46 11.24 12.19 13.56 15.03 16.77 18.79 21.19 23.86 27.25 75
61 3.78 5.86 7.48 8.68 9.66 10.47 11.26 12.05 13.05 14.43 16.03 17.95 20.35 23.10 26.29 30.23 76
62 4.17 6.35 8.07 9.39 10.41 11.26 12.07 12.90 13.93 15.37 17.10 19.32 22.02 25.29 28.93 33.48 77
63 4.59 6.92 8.72 10.11 11.12 12.00 12.84 13.71 14.81 16.32 18.29 20.76 23.93 27.64 31.76 36.77 78
64 5.06 7.57 9.44 10.82 11.83 12.72 13.57 14.50 15.69 17.36 19.53 22.40 25.98 30.15 34.55 40.25 79
65 5.57 8.24 10.18 11.52 12.56 13.46 14.35 15.36 16.73 18.53 21.03 24.23 28.21 32.65 37.52 43.80 80
66 6.11 8.86 10.85 12.20 13.30 14.27 15.24 16.44 17.98 20.03 22.88 26.50 30.81 35.82 41.35 48.27 81
67 6.68 9.38 11.38 12.85 14.08 15.18 16.36 17.77 19.62 21.86 25.07 28.96 33.72 39.26 45.45 53.09 82
68 7.29 9.80 11.80 13.44 14.89 16.28 17.74 19.54 21.67 24.10 27.56 31.80 36.95 42.97 49.83 58.21 83
69 7.93 10.20 12.18 14.00 15.77 17.52 19.47 21.65 24.10 26.62 30.44 35.00 40.48 46.95 54.47 63.95 84
70 8.59 10.53 12.50 14.54 16.67 18.97 21.43 24.06 26.74 29.45 33.66 38.50 44.30 51.17 59.34 70.18 85
71 9.20 11.27 13.36 15.51 17.88 20.34 22.97 25.69 28.53 31.4_ 36.10 41.53 48.03 55.70 64.84 76.96 86
72 9.84 12.03 14.26 16.63 19.16 21.80 24.53 27.42 30.44 33.46 38.70 44.76 51.99 60.56 70.76 84.72 87
73 10.49 12.81 15.26 17.80 20.50 23.25 26.13 29.20 32.37 35.57 41.40 48.13 56.15 65.65 77.41 95.63 88
74 10.98 13.49 16.05 18.71 21.50 24.37 27.38 30.56 33.86 37.18 43.53 50.85 59.61 69.96 85.55 106.10 89
75 11.35 13.93 16.57 19.29 22.14 25.08 28.15 31.40 34.76 38.13 44.91 52.75 62.07 74.62 92.79 115.51 90
120.74 91
126.11 92
133.31 93
144.25 94
FACTORS FOR CHARGER/FT - MALE ON-SMOKER
DUR 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 ULT
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------
0 3.25 .75 .47 .36 .30 .27 .24 .22 .20 .18 .20 .22 .26 .36 .48 .87
1 .78 .49 .38 .31 .28 .25 .23 .20 .19 .18 .__ .24 .33 .45 .62 .80
2 .51 .40 .32 .29 .26 .24 .21 .19 .19 .19 .22 .31 .41 .58 .75 .94
3 .41 .34 .30 .27 .2_ .22 .20 .20 .20 .21 .29 .39 .54 .70 .87 1.05
4 .35 .32 .28 .26 .23 .21 .20 .20 .22 .28 .37 .__ .66 .__ .98 1.12
5 .3_ .29 .27 .24 .22 .21 .21 .22 .29 .35 .49 .63 .78 .93 1.06 1.14
6 .__ .27 .__ .23 .22 .22 .23 .30 .37 .47 .60 .75 .89 1.01 1.08 .58
7 .28 .25 .23 .23 .23 .24 .31 .38 .49 .__ .73 .86 .87 1.04 .60 .57
8 .26 .24 .23 .23 .25 .32 .39 .50 .61 .71 .84 .94 1.01 .61 .__ .56
9 .25 .24 .24 .__ .__ .40 .52 .__ .74 .83 .93 .98 .__ .59 .57 .55
10 .25 .25 .26 .34 .42 .__ .65 .76 .86 .93 .98 .__ .61 .58 .57 .54
11 .25 .27 .34 .42 .54 .__ .77 .87 .94 .96 .66 .63 .__ .68 .56 .54
12 .27 .__ .42 .55 .66 .78 .87 .95 .97 .68 .64 .61 .59 .57 .55 .52
13 .35 .43 .55 .67 .78 .__ .96 .98 .70 .66 .63 .61 .58 .56 .54 .55
14 .43 .56 .67 .79 .89 .97 .99 .72 .69 .65 .63 .60 .55 .54 .56 .57
15 .55 .__ .78 .87 .94 .98 .74 .70 .67 .64 .61 .59 .56 .57 .58 .59
16 .65 .75 .81 .87 .91 .73 .72 .69 .66 .64 .60 .68 .58 .59 .61 .62
17 .71 .77 .80 .83 .73 .71 .69 .67 .65 62 .59 .60 .61 .62 .63 .63
18 .68 .73 .__ .__ .71 .67 .66 .64 .6_ .61 .59 .60 .62 .63 .64 .64
19 .63 .63 .__ .67 .66 .63 .62 .61 .60 .69 .57 .60 .62 .64 .66 .67
20 .56 .61 .__ .63 .61 .__ .58 .57 .58 .58 .57 .60 .62 .65 .69 .70
21 .52 .57 .59 .59 .57 .53 .54 .54 .56 .57 .57 .60 .63 .67 .72 .75
22 .48 .53 .56 .55 .53 .__ .51 .52 .53 .55 .57 .60 .64 .69 .75 .80
23 .45 .__ .__ .52 .51 .49 .50 .50 .52 .55 .57 .61 .67 .73 .79 .86
24 .42 .46 .49 .__ .49 .48 .48 .50 .52 .56 .60 .64 .__ .78 .85 .94
25 .39 .43 .47 .48 .48 .48 .48 .50 .53 .58 .63 .68 .77 .85 .93 1.02
26 .37 .41 .44 .46 .47 .48 .49 .52 .55 .61 .67 .75 .83 .93 1.03 1.12
27 .36 .39 .42 .44 .47 .49 .51 .54 .59 .65 .73 .81 .91 1.02 1.13 1.24
28 .36 .__ .41 .44 .48 .50 .__ .59 .64 .71 .79 .88 .99 1.12 1.24 1.37
29 .36 .__ .42 .45 .49 .53 .__ .63 .70 .79 .87 .97 1.08 1.22 1.36 1.50
30 .37 .40 .44 .47 .52 .57 .62 .69 .77 .87 .96 1.07 1.19 1.34 1.49 1.67
31 .38 .42 .45 .50 .55 .61 .68 .75 .85 .95 1.06 1.17 1.31 1.47 1.64 1.86
32 .39 .43 .48 .53 .59 .__ .74 .83 .93 1.0_ 1.16 ____ 1.44 1.63 1.83 2.07
33 .39 .44 .__ .__ .64 .71 .81 .90 1.01 1.15 ____ 1.42 1.60 1.82 2.05 2.33
34 .38 .46 .52 .60 .69 .78 .87 .98 1.11 1.25 1.39 1.57 1.79 2.04 2.30 2.63
35 .39 .47 .55 .64 .74 .84 .95 1.07 1.21 1.35 1.53 1.74 1.99 2.28 2.58 2.97
36 .39 .49 .59 .70 .81 .92 1.05 1.19 1.33 1.49 1.70 1.93 2.22 2.56 2.90 3.32
37 .41 .53 .__ .77 .90 1.02 ____ ____ ____ 1.67 1.89 2.15 2.48 2.85 3.25 ____
38 .44 .__ .71 .85 1.00 1.13 1.28 1.46 ____ 1.86 2.10 2.39 2.74 3.16 3.64 4.09
39 .48 .__ .79 .95 ____ 1.25 1.42 1.62 1.84 2.07 2.33 ____ 3.03 3.51 4.05 4.55
40 .53 .71 .89 1.06 1.22 1.39 1.59 1.81 2.04 2.30 2.59 2.92 3.36 3.88 4.50 5.12
41 .__ .78 .99 1.17 1.35 1.54 1.75 2.00 2.27 2.55 2.87 3.27 3.74 4.55 5.36 5.87
42 .63 .__ .__ 1.29 1.50 1.71 1.94 2.20 2.50 2.82 3.20 3.65 4.19 4.89 5.74 6.72
43 .68 .93 1.13 1.42 ____ 1.85 2.13 2.41 2.73 3.12 ____ 4.08 4.72 ____ 6.48 ____
44 .73 1.01 1.29 1.55 ____ 2.05 2.32 2.63 2.98 3.42 3.95 4.58 5.32 6.22 7.29 ____
45 .78 1.10 1.40 1.76 1.96 2.24 2.54 2.87 3.24 3.76 4.39 5.13 ____ 7.01 8.25 9.77
46 .__ 1.19 1.52 ____ 2.16 2.46 2.79 3.15 ____ ____ 4.87 ____ 6.70 7.86 9.22 10.84
47 .91 1.29 ____ 2.63 2.39 2.73 3.08 3.48 3.98 4.60 5.41 ____ ____ ____ 10.29 12.04
48 .97 1.41 1.83 2.24 2.66 3.04 3.44 3.90 4.47 5.12 5.99 7.06 8.33 9.79 11.49 13.43
49 1.04 1.53 2.01 2.49 ____ 3.41 3.87 4.39 5.02 5.70 ____ 7.83 9.24 10.89 _____ _____
50 1.12 ____ 2.22 2.75 3.29 ____ 4.25 4.93 5.59 6.35 7.38 __ 10.22 12.09 14.29 _____
51 1.19 ____ 2.44 ____ ____ 4.24 4.84 ____ ____ ____ 8.15 9.58 11.35 13.51 _____ 18.92
52 ____ ____ ____ ____ ____ ____ ____ ____ ____ 7.73 8.99 ____ _____ _____ 17.93 21.23
53 ___ 2.18 ____ ____ ____ ____ 6.77 ____ 7.43 ____ ____ ____ _____ _____ 19.96 23.73
54 1.48 2.37 ___ ____ ____ ____ 6.20 7.06 7.04 9.17 ____ ____ 15.37 18.43 22.12 26.31
55 1.60 2.59 3.47 4.27 ____ ____ 6.65 7.56 8.67 9.94 ____ ____ ____ _____ 24.49 29.09
56 1.75 2.83 3.79 4.66 ____ ____ 7.14 ____ 9.34 10.76 12.82 15.41 18.53 22.27 26.86 32.04
57 1.92 3.11 4.18 ____ 5.96 ____ 7.72 ____ _____ _____ 13.96 16.33 _____ 24.42 29.49 35.41
58 2.13 3.47 4.64 ____ _____ 7.45 _____ 9.55 10.86 12.35 15.19 ____ 22.19 _____ 32.47 39.02
59 2.3_ ____ 5.18 6.25 7.24 8.23 9.26 10.44 11.82 13.76 16.53 20.01 24.27 29.46 35.75 43.03
60 2.67 4.34 5.77 5.96 ____ ____ 10.24 11.45 12.93 14.99 18.00 21.81 26.56 32.36 39.40 47.41
61 ____ 4.83 6.41 7.72 8.94 ____ 11.27 12.56 14.16 _____ 19.62 23.81 29.08 35.58 43.32 52.28
62 3.38 5.35 ____ ____ 9.83 11.07 ___ 13.76 15.50 17.86 21.44 _____ 31.87 39.04 47.60 57.64
63 3.80 5.94 7.79 9.38 ____ 12.07 13.45 14.99 16.90 19.48 23.38 28.43 34.86 42.79 _____ 63.55
64 4.27 6.64 8.61 10.27 11.70 ___ 14.58 16.26 18.40 21.22 25.50 31.01 38.11 _____ 57.26 69.89
65 4.80 7.38 9.49 11.19 12.71 14.21 15.81 17.70 20.10 23.23 27.87 ____ 41.70 51.32 62.71 76.50
66 5.38 8.12 _____ 12.13 13.79 15.44 17.26 19.42 22.16 25.58 30.72 37.43 46.03 ___ 69.29 84.25
67 6.02 8.79 11.11 13.09 14.98 _____ 19.00 21.54 24.66 28.47 34.16 41.52 _____ 62.55 76.49 92.75
68 6.71 9.40 11.81 14.05 _____ 18.58 21.15 24.16 27.78 32.02 3_.31 48.31 56.49 ___ 84.32 101.94
69 7.47 10.03 12.50 15.03 _____ 20.55 23.69 27.33 31.53 36.26 43.18 51.83 _____ 76.22 92.80 112.46
70 8.30 10.52 13.19 _____ 19.23 22.72 26.62 31.01 35.87 41.14 48.76 58.03 69.61 83.98 _____ 124.13
71 9.11 _____ 14.49 17.60 21.07 24.89 _____ 33.95 _____ 45.02 _____ _____ 76.16 91.78 111.38 135.56
72 10.02 12.82 15.91 19.29 ___ _____ 31.92 37.16 42.97 49.27 58.36 69.40 _____ 100.29 121.66 148.03
73 10.99 14.06 17.41 21.10 25.24 29.80 34.89 40.61 46.95 53.81 _____ 75.74 90.76 109.38 132.63 161.11
74 _____ 15.14 _____ 22.70 ____ 32.05 37.52 43.66 ____ 57.80 68.43 81.31 _____ 117.34 142.05 172.47
75 12.54 15.00 _____ 23.99 28.68 33.84 39.61 46.09 53.24 60.97 72.13 35.70 102.61 123.42 149.35 181.31
76 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 160.80
77 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 168.13
78 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 177.85
79 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 192.55
80 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
81 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
82 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
83 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
84 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
85 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
R FACTORS FOR CHARGES/FT-FEMALE NONSHOKER
DUR 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 ULT
--- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------
0 2.32 .53 .34 .2_ .21 .19 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27
1 .53 .34 .26 .21 .19 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32
2 .34 .26 .21 .1_ .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38
3 .26 .21 .19 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43
4 .21 .19 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46
5 .19 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48
6 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .4_ .46 .48 .43
7 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48 .44 .42
8 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .48 .46 .48 .45 .43 .41
9 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48 .45 .43 .42 .41
10 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48 .46 .44 .43 .42 .40
11 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48 .47 .45 .43 .42 .41 .40
12 .13 .17 .21 .27 .32 .33 .43 .46 .48 .49 .46 .44 .43 .41 .41 .39
13 .17 .21 .27 .32 .38 .43 .46 .48 .50 .47 .45 .44 .42 .41 .39 .41
14 .21 .27 .32 .38 .43 .46 .48 .51 .48 .46 .45 .43 .42 .40 .41 .42
15 .26 .32 .37 .42 .45 .47 .51 .49 .47 .46 .44 .43 .41 .42 .43 .44
16 .33 .38 .41 .44 .46 .51 .50 .48 .47 .45 .43 .41 .43 .43 .45 .46
17 .38 .41 .43 .45 .51 .50 .48 .47 .46 .44 .42 .43 .44 .45 .47 .47
18 .39 .42 .43 .49 .49 .47 .48 .45 .44 .43 .42 .43 .45 .46 .47 .48
19 .38 .41 .46 .46 .46 .44 .48 .43 .42 .42 .41 .43 .45 .47 .48 .50
20 .36 .42 .44 .43 .43 .41 .41 .40 .41 .41 .41 .43 .45 .48 .50 .52
21 .36 .40 .41 .41 .40 .37 .38 .38 .39 .41 .41 .43 .46 .49 .53 .56
22 .34 .38 .40 .40 .39 .37 .37 .38 .39 .41 .42 .44 .46 .52 .58 .61
23 .34 .37 .40 .39 .38 .37 .38 .38 .39 .42 .44 .46 .51 .56 .61 .66
24 .32 .36 .38 .39 .39 .38 .38 .39 .41 .44 .47 .50 .55 .61 .67 .73
25 .31 .34 .37 .38 .39 .39 .39 .41 .43 .47 .51 .55 .62 .68 .74 .80
26 .30 .33 .3_ .38 .39 .40 .41 .43 .46 .51 .56 .62 .68 .75 .82 .88
27 .30 .33 .3_ .38 .40 .42 .44 .47 .51 .56 .62 .68 .75 .84 .91 .97
28 .31 .34 .3_ .39 .42 .45 .47 .52 .57 .63 .69 .76 .83 .92 1.00 1.07
29 .33 .35 .38 .41 .45 .48 .52 .58 .64 .72 .78 .85 .93 1.02 1.10 1.18
30 .34 .37 .41 .44 .4_ .53 .58 .65 .72 .81 .88 .95 1.03 1.12 1.21 1.31
31 .35 .39 .42 .47 .51 .57 .63 .70 .80 .89 .97 1.04 1.16 1.23 1.33 1.45
32 .36 .40 .45 .49 .5_ .62 .69 .77 .87 .98 1.06 1.15 1.24 1.36 1.48 1.62
33 .36 .41 .4_ .52 .59 .67 .75 .84 .96 1.07 1.16 1.26 1.38 1.51 1.65 1.81
34 .3_ .42 .48 .56 .64 .72 .82 .92 1.03 1.16 1.26 1.38 1.53 1.69 1.85 2.04
35 .36 .43 .51 .__ .69 .78 .88 .99 1.12 1.26 1.38 1.52 1.69 1.88 2.07 2.30
36 .3_ .44 .53 .63 .76 .83 .95 1.07 1.20 1.34 1.43 1.64 1.84 2.06 2.27 2.53
37 .36 .46 .5_ .67 .7_ .89 1.01 1.14 1.28 1.44 1.60 1.78 1.99 2.24 2.49 2.75
38 .37 .48 .6_ .72 .84 .96 1.08 1.23 1.38 1.55 1.72 1.91 2.15 2.43 2.73 3.01
39 .39 .52 .65 .77 .90 1.02 1.16 1.31 1.49 1.67 1.84 2.05 2.31 2.63 2.__ 3.29
40 .42 .56 .7_ .83 .96 1.09 1.24 1.41 1.59 1.79 1.93 2.20 2.49 2.84 3.24 3.63
41 .45 .61 .7_ .90 1.04 1.18 1.34 1.52 1.73 1.94 2.15 2.40 2.71 3.09 3.56 4.04
42 .48 .65 .__ .98 1.13 1.28 1.45 1.65 1.87 2.11 2.35 2.63 2.90 3.59 3.90 4.48
43 .50 .69 .88 1.05 1.21 1.38 1.56 1.77 2.00 2.29 2.56 2.__ 3.25 3.72 4.28 4.94
44 .53 .73 .93 1.12 1.30 1.48 1.67 1.89 2.14 2.47 2.78 3.15 3.58 4.08 4.68 5.42
45 .56 .78 .99 1.20 1.39 1.58 1.79 2.03 2.29 2.66 3.03 3.45 3.93 4.48 5.12 5.90
46 .59 .82 1.06 1.28 1.49 1.70 1.93 2.19 2.47 2.89 3.31 3.80 4.36 4.98 5.71 6.54
47 .62 .83 1.1_ 1.30 1.62 1.85 2.09 2.37 2.71 3.14 3.62 4.17 4.82 5.54 6.35 7.26
48 .65 .93 1.21 1.49 1.77 2.02 2.29 2.60 2.99 3.44 3.96 4.58 5.31 6.12 7.08 8.10
49 .6_ 1.00 1.3_ 1.61 1.93 2.22 2.55 2.87 3.29 3.75 4.32 5.00 5.82 6.76 7.84 9.06
50 .71 1.07 1.41 1.75 2.10 2.44 2.78 3.16 3.60 4.09 4.70 5.45 6.37 7.44 8.70 10.11
51 .76 1.17 1.55 1.93 2.32 2.71 3.11 3.53 3.99 4.53 5.18 6.00 7.02 8.24 9.67 11.26
52 ._1 1.__ 1.71 2.__ 2.55 _.__ _.42 3.__ 4.39 4.93 5.70 6.00 7.74 9.__ __.__ __.__
53 .8_ 1.__ 1.87 2.__ 2.79 3.24 3.72 4.22 4.78 5.43 6.25 7.24 8.50 10.01 11.78 13.78
54 .95 1.52 2.04 2.__ 3.22 3.49 3.99 4.54 5.17 5.89 6.80 7.94 9.32 10.97 12.92 15.09
55 1.02 1.66 2.23 2.__ 3.27 3.7_ 4.__ 4.87 5.58 6.39 7.41 8.68 10.20 12.01 14.18 18.47
56 1.12 1.82 2.44 3.__ 3.54 4.04 4.59 5.22 6.00 6.92 8.08 9.48 11.15 13.14 15.51 18.12
57 1.23 2.00 2.69 3.2_ 3.54 4.37 4._7 5.84 6.46 7.50 8.78 10.38 12.22 14.39 17.01 19.97
58 1.37 2.23 2.99 3.__ 4.21 4.79 5.42 6.14 6.98 8.13 8.55 11.30 13.35 15.78 18.68 21.94
59 1.53 2.60 3.33 4.03 4.68 5.2_ 5.97 6.72 7.60 8.84 10.39 12.30 14.59 17.29 20.51 24.11
60 1.72 2.79 3.71 4.48 5.18 5.36 6.58 7.36 8.31 9.03 11.30 13.38 15.92 18.95 22.52 26.48
61 1.93 3.11 4.12 4.96 5.75 6.48 7.24 8.07 9.10 10.49 12.35 14.88 17.57 21.06 25.13 29.74
62 2.17 3.44 4.54 5.49 6.32 7.12 7.94 8.84 9.95 11.45 13.50 16.11 19.39 23.36 28.02 33.37
63 2.44 3.82 5.01 6.03 6.91 7.76 8.64 9.62 10.83 12.45 14.74 17.87 21.37 25.89 31.1_ 37.44
64 2.75 4.87 5.54 6.60 7.52 8.41 9.36 10.42 11.76 13.52 16.03 19.35 23.53 28.84 34.65 41.88
65 3.09 4.75 6.10 7.19 8.13 9.12 10.13 11.31 12.82 14.75 17.57 21.24 25.93 31.69 38.46 46.60
66 3.45 5.22 6.65 7.79 8.85 9.90 11.03 12.38 14.07 16.19 19.41 23.58 28.93 35.52 43.33 52.53
67 3.87 5.65 7.14 8.40 9.60 10.80 12.11 13.68 15.61 17.95 21.60 26.32 32.35 39.__ 48.72 59.13
68 4.32 6.04 7.58 9.00 10.41 11.84 13.43 15.29 17.52 20.12 24.20 29.53 36.25 44.55 54.66 66.39
69 4.80 6.43 8.01 9.61 11.25 13.05 14.99 17.24 19.81 22.69 27.38 33.23 40.63 49.82 61.18 74.71
70 5.32 8.51 8.43 10.22 12.21 14.58 16.79 19.48 22.45 25.85 30.95 37.40 45.52 55.61 68.30 84.08
71 5.84 7.46 9.24 11.18 13.3_ 15.68 18.32 21.25 24.48 27.97 33.95 41.29 50.50 62.01 76.51 94.58
72 6.40 8.17 10.10 12.21 14.55 17.13 19.98 23.17 26.70 30.48 37.26 45.57 56.03 69.12 85.66 106.28
73 7.00 8.93 11.02 13.31 15.__ 18.65 21.76 25.23 29.05 33.16 40.81 50.19 62.03 76.88 95.65 119.05
74 7.53 9.58 11.81 14.26 17.00 19.99 23.31 27.01 31.10 35.49 43.98 54.38 67.55 84.09 104.97 131.09
75 7.93 10.09 12.44 15.01 17.88 21.03 24.51 28.40 32.69 37.29 46.50 57.86 72.21 90.22 113.03 141.63
76 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 120.74
77 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 128.11
78 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 133.31
79 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 144.25
80 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
81 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
82 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
83 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
84 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
85 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
R FACTORS FOR CHARGER/FT - MALE SMOKER
DUR 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 ULT
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------
0 3.25 .75 .47 .36 .30 .27 .24 .22 .20 .18 .20 .22 .26 .36 .48 .67
1 .78 .49 .3_ .31 .28 .25 .23 .20 .19 .18 .20 .24 .33 .45 .62 .80
2 .51 .4_ .32 .29 .26 .24 .21 .19 .19 .19 .22 .31 .41 .58 .75 .94
3 .41 .34 .3_ .27 .29 .22 .20 .20 .20 .21 .29 .39 .54 .70 .87 1.05
4 .35 .32 .28 .26 .23 .21 .20 .20 .22 .28 .37 .51 .56 .82 .98 1.12
5 .33 .29 .27 .24 .22 .21 .21 .22 .29 .35 .49 .63 .78 .93 1.05 1.14
6 .30 .27 .25 .23 .22 .22 .23 .30 .37 .47 .60 .75 .89 1.01 1.08 1.17
7 .28 .25 .23 .23 .23 .24 .31 .38 .49 .59 .73 .86 .97 1.04 1.18 1.14
8 .26 .24 .23 .23 .25 .32 .39 .50 .61 .71 .84 .94 1.01 1.21 1.15 1.12
9 .25 .24 .24 .26 .33 .4_ .52 .63 .74 .83 .93 .98 1.24 1.18 1.13 1.11
10 .25 .25 .2_ .34 .42 .54 .65 .76 .86 .93 .98 1.26 1.20 1.16 1.12 1.09
11 .25 .27 .34 .42 .54 .65 .77 .87 .94 .96 1.29 1.23 1.18 1.15 1.10 1.08
12 .27 .34 .42 .55 .6_ .78 .87 .95 .97 1.32 1.26 1.21 1.17 1.13 1.09 1.05
13 .35 .43 .55 .67 .78 .88 .96 .98 1.30 1.29 1.24 1.20 1.15 1.12 1.06 1.10
14 .43 .56 .67 .79 .89 .97 .99 1.29 1.27 1.26 1.23 1.18 1.14 1.08 1.11 1.14
15 .55 .57 .78 .87 .94 .98 1.29 1.25 1.24 1.24 1.21 1.17 1.11 1.14 1.15 1.19
16 .65 .75 .81 .87 .91 1.25 1.25 1.23 1.22 1.23 1.18 1.13 1.13 1.18 1.20 1.24
17 .71 .77 .80 .83 1.22 1.21 1.21 1.20 1.20 1.21 1.16 1.19 1.20 1.23 1.25 1.26
18 .68 .73 .76 1.15 1.18 1.15 1.15 1.15 1.17 1.18 1.15 1.19 1.22 1.26 1.27 1.29
19 .63 .68 1.07 1.09 1.11 1.07 1.09 1.09 1.11 1.15 1.13 1.19 1.24 1.28 1.30 1.34
20 .56 .97 1.01 1.03 1.03 .99 1.02 1.02 1.06 1.13 1.12 1.19 1.24 1.30 1.35 1.41
21 .81 .91 .96 .96 .95 .91 .95 .98 1.03 1.10 1.13 1.19 1.26 1.34 1.42 1.51
22 .76 .86 .92 .92 .91 .90 .92 .95 1.02 1.10 1.14 1.20 1.29 1.39 1.50 1.83
23 .73 .82 .89 .89 .90 .89 .92 .97 1.03 1.12 1.18 1.25 1.36 1.49 1.60 1.78
24 .69 .78 .84 .88 .89 .90 .93 .99 1.06 1.16 1.26 1.33 1.47 1.62 1.76 1.95
25 .66 .73 .82 .85 .90 .92 .96 1.03 1.12 1.23 1.34 1.45 1.61 1.79 1.94 2.15
26 .63 .71 .79 .84 .91 .95 1.00 1.08 1.18 1.31 1.44 1.60 1.77 1.98 2.17 2.40
27 .63 .69 .78 .86 .93 .99 1.07 1.16 1.28 1.43 1.58 1.76 1.96 2.20 2.42 2.66
28 .64 .71 .8_ .89 .97 1.05 1.14 1.26 1.40 1.58 1.74 1.94 2.17 2.43 2.67 2.96
29 .67 .75 .83 .92 1.05 1.13 1.24 1.38 1.55 1.77 1.95 2.15 2.40 2.68 2.95 3.30
30 .72 .80 .89 .98 1.10 1.23 1.36 1.53 1.73 1.97 2.17 2.40 2.66 2.96 3.26 3.68
31 .76 .86 .95 1.07 1.19 1.34 1.50 1.69 1.93 2.19 2.42 2.67 2.95 3.28 3.62 4.07
32 .79 .91 1.02 1.14 1.29 1.46 1.66 1.87 2.14 2.44 2.69 2.97 3.28 3.65 4.02 4.53
33 .81 .95 1.08 1.23 1.41 1.6_ 1.83 2.07 2.36 2.69 2.97 3.29 3.66 4.07 4.49 5.06
34 .82 .98 1.14 1.33 1.54 1.76 2.01 2.29 2.60 2.95 3.28 3.64 4.07 4.54 5.01 5.70
35 .83 1.02 1.22 1.45 1.67 1.93 2.21 2.51 2.86 3.23 3.61 4.02 4.50 5.05 5.60 6.39
36 .85 1.09 1.33 1.59 1.87 2.15 2.47 2._1 3.18 3.59 4.00 4.45 5.01 5.64 6.26 7.09
37 .91 1.18 1.4_ 1.77 2.09 2.41 2.75 3.13 3.55 3.99 4.45 4.94 5.58 6.26 6.95 7.77
38 .99 1.3_ 1.64 1.99 2.34 2.69 3.07 3.50 3.94 4.43 4.90 5.46 6.12 6.88 7.67 8.52
39 1.09 1.47 1.8_ 2.23 2.61 3.00 3.43 3.89 4.38 4.91 5.42 6.01 6.72 7.54 8.44 9.37
40 1.22 1.66 2.08 2.51 2.91 3.34 3.80 4.31 4.85 5.45 5.98 6._9 7.35 8.25 9.27 10.36
41 1.34 1.84 2.34 2.80 3.25 3.70 4.18 4.74 5.36 6.00 6.59 7.27 8.09 9.11 10.29 11.67
42 1.47 2.04 2.58 3.11 3.59 4.07 4.60 5.21 5.68 6.58 7.25 8.02 8.94 10.07 11.41 13.11
43 1.60 2.23 2.84 3.40 3.93 4.46 5.03 5.67 6.37 7.18 7.95 8.56 9.90 11.15 12.64 14._5
44 1.74 2.43 3.03 3.70 4.27 4.85 5.46 6.13 6.85 7.79 8.71 9.77 10.97 12.36 14.00 16.24
45 1.89 2.63 3.34 4.03 4.65 5.27 5.92 6.61 7.38 8.44 9.54 10.76 12.13 13.69 15.46 17.89
46 2.03 2.83 3.62 4.39 5.08 5.73 6.42 7.18 6.00 9.16 10.39 11.76 13.32 14.99 16.88 19.45
47 2.17 3.07 3.94 4.78 5.5_ 6.27 7.01 7.28 8.79 9.99 11.32 12.84 14.53 16.38 18.48 21.18
48 2.31 3.33 4.30 5.23 6.13 6.93 7.72 8.61 9.70 10.91 12.33 13.95 15.81 17.89 20.22 23.17
49 2.47 3.61 4.68 5.72 6.75 7.65 8.55 9.52 10.69 11.94 13.39 15.12 17.18 19.51 22.12 25.39
50 2.62 3.91 5.10 6.25 7.38 8.42 9.45 10.50 11.70 12.99 14.49 15.37 18.64 21.23 24.14 27.75
51 2.78 4.23 5.55 6.80 8.02 9.19 10.31 11.47 12.__ 14.06 15.70 17.77 20.29 23.33 26.53 30.63
52 2.__ 4.57 6._1 7._5 _.__ _.__ _.__ 12._4 13.52 15.14 16.95 __.__ __.__ __.__ 2_._3 3_.__
53 3.13 4.9_ 6.45 7._7 9.__ 1_.34 _.__ 13.10 14.54 16.19 18.24 20.79 23.__ 27.__ 31.62 36.65
54 3.33 5.24 6.9_ _.__ 9.__ 11.10 _.__ 13.82 15.42 17.24 19.54 22.40 25.79 29.72 34.25 39.81
55 3.54 5.61 7.39 _.__ 1_.__ 11.__ _.__ 14.51 16.31 18.31 20.90 24._8 27.__ 32.37 37.__ 45.__
56 3.7_ 6.02 7.94 _.__ 1_.97 12.2_ _.__ 16.28 17.21 19.41 22.26 25.74 29.73 34.32 39.71 46.24
57 4.89 6.51 8.54 1_._2 11._7 13.05 14.55 16.17 18.13 20.59 23.72 27.49 31.81 36.76 42.56 49.36
58 4.46 7.__ 9.28 11.65 12.55 14.01 15.55 17.23 19.18 21.87 25.24 29.51 34.01 39.39 45.71 5_.56
59 4.87 7.75 10.14 12.__ 13.63 15.17 16.76 18.45 20.43 23.24 26.84 _1.20 36.30 42.23 4_.__ 57.56
60 5.33 8.49 11.08 13.0_ 14.85 16.45 18._3 91.79 21.84 24.74 28.55 35.19 38.75 45.24 52.70 62.17
61 5.83 9.27 12.05 14.23 16.13 17.78 19.47 21.22 23.38 26.36 30.3_ 35._5 41.37 48.47 56.__ 67.18
62 6.48 10.06 13.01 15.40 17.37 19.13 20.87 22.72 25.00 28.11 32.38 37.56 44.19 52.12 61.15 72.54
63 7.14 10.95 14.05 16.57 18.57 20.38 22.20 24.18 26.61 29.91 34.43 40.11 47.37 55.98 65.74 78.30
64 7.87 11.98 15.22 17.75 19.7_ 21.62 23.51 25.60 28.25 31.77 3_.60 42.09 50.14 60.04 70.14 84.26
65 8.66 13._4 16.40 18.9_ 20.98 22.91 24.89 27.18 30.11 3_.89 39.20 45.96 54.79 64.35 75.59 90.21
66 9.50 14.03 17.43 20.02 22.25 24.31 26.51 29.08 32.34 3_.59 42.34 49.66 58.77 69.53 81.70 97.12
67 10.40 14.85 18.35 21.11 23.58 25.94 28.45 31.44 35.2_ 39.90 46.11 53.94 63.63 75.19 88.17 104.47
68 11.34 15.53 19.05 22.11 25.0_ 27.83 30.87 34.56 38.94 43.95 50.63 58.88 69.84 81.08 94.93 112.14
69 12.34 16.17 19.69 23.09 26.50 29.99 33.89 38.36 43.28 48.73 55.84 64.45 74.94 87.42 102.03 120.74
70 13.38 16.73 20.28 24.01 28.06 32.50 37.31 42.57 48.21 54.10 61.68 70.54 81.26 94.06 109.45 130.00
71 14.35 17.93 21.70 25.08 30.14 34.88 40.02 45.62 51.6_ 57.92 65.98 75.39 86.76 100.33 116.64 138.39
72 15.39 19.21 23.21 27.59 32.35 37.42 42.90 48.87 55.28 61.95 70.51 80.50 92.55 106.94 124.18 148.03
73 16.45 20.52 24.90 29.57 34.65 40.05 45.88 52.24 59.05 66.11 75.19 85.75 98.50 113.68 132.63 161.11
74 17.30 21.66 26.25 31.17 36.49 42.15 48.2_ 54.91 62.00 69.37 78.81 89.79 103.04 118.80 142.05 172.47
75 17.98 22.43 27.15 32.24 37.71 43.54 49.82 56._3 63.90 71.40 81.05 92.26 105.75 123.42 149.35 181.31
76 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 160.80
77 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 163.13
78 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 177.85
79 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 192.55
80 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
81 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
82 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
83 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
84 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
85 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
R FACTORS FOR CHARGER/FT - FEMALE SMOKER
DUR 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 ULT
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------
0 2.32 .53 .34 .2_ .21 .19 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27
1 .53 .34 .2_ .21 .19 .17 .1_ .14 .13 .12 .12 .13 .17 .21 .27 .32
2 .34 .26 .21 .19 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38
3 .2_ .21 .19 .17 .1_ .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43
4 .21 .19 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46
5 .19 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48
6 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .4_ .46 .48 .87
7 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43 .4_ .48 .87 .85
8 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .4_ .46 .48 .89 .85 .83
9 .1_ .12 .12 .13 .17 .21 .27 .32 .38 .4_ .46 .48 .9_ ._6 .83 .83
10 .12 .12 .13 .17 .21 .27 .32 .38 .4_ .46 .48 .91 .88 .85 .82 .81
11 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48 .92 .89 .86 .84 .81 .80
12 .13 .17 .21 .27 .32 .38 .43 .46 .48 .93 .90 .87 .85 .82 .80 .78
13 .17 .21 .27 .32 .__ .43 .46 .48 .92 .91 .88 .87 .84 .82 .78 .82
14 .21 .27 .32 .38 .43 .46 .48 .91 .89 .89 .88 .85 .33 .79 .82 .85
15 .26 .32 .37 .42 .45 .47 ._0 .88 .8_ .88 .8_ .84 .81 .83 .85 .89
16 .33 .38 .41 .44 .46 ._8 .8_ .87 .86 .87 .84 .82 .85 .86 .88 .92
17 .38 .41 .43 .45 .85 .__ .84 .84 .85 .85 .85 .86 .88 .90 .92 .94
18 .39 .42 .43 .8_ .83 ._1 .81 .81 .82 .84 .82 .86 .89 .92 .94 .96
19 .3_ .41 .74 .76 .77 .75 .76 .77 .78 .81 .80 .86 .90 .94 .__ 1.00
20 .3_ .67 .71 .72 .72 .69 .71 .72 .75 .79 .80 .86 .90 .95 1.00 1.05
21 .57 .64 .67 .67 .67 .64 .67 .69 .73 .78 .80 .86 .92 .98 1.05 1.13
22 .55 .62 .6_ .67 .65 .65 .67 .70 .75 .81 .84 .89 .9_ 1.04 1.13 1.23
23 .5_ .61 .__ .67 .67 .67 .69 .73 .78 .85 .90 .96 1.04 1.14 1.23 1.36
24 .53 .60 .65 .68 .69 .70 .73 .77 .84 .92 .99 1.04 1.15 1.27 1.37 1.52
25 .52 .69 .65 .69 .72 .74 .78 .84 .91 1.00 1.09 1.17 1.30 1.43 1.54 1.70
26 .52 .58 .65 .70 .75 .79 .84 .90 .99 1.10 1.20 1.32 1.45 1.60 1.73 1.89
27 .53 .59 .6_ .73 .79 .85 .92 .99 1.10 1.24 1.35 1.48 1.63 1.80 1.94 2.10
28 .56 .62 .70 .78 .85 .93 1.01 1.12 1.24 1.41 1.52 1.67 1.83 2.01 2.15 2.33
29 .6_ .67 .75 .84 .94 1.02 1.13 1.26 1.42 1.61 1.74 1._9 2.05 2.23 2.39 2.59
30 .66 .74 .83 .92 1.03 1.15 1.27 1.44 1.63 1.85 1.99 2.14 2.30 2.48 2.65 2.88
31 .70 .80 .89 .99 1.11 1.25 1.41 1.58 1.82 2.06 2.21 2.37 2.55 2.75 2.93 3.18
32 .74 .84 .95 1.07 1.20 1.37 1.55 1.76 2.01 2.2_ 2.45 2.63 2.83 3.04 3.24 3.53
33 .75 .__ 1.00 1.15 1.32 1.50 1.71 1.94 2.21 2.51 2.70 2.91 3.14 3.38 3.61 3.94
34 .7_ .91 1.0_ 1.24 1.43 1.65 1.8_ 2.14 2.43 2.75 2.97 3.20 3.47 3.75 4.02 4.42
35 .77 .9_ 1.13 1.34 1.56 1.80 2.0_ 2.34 2.6_ 3.00 3.25 3.51 3.83 4.16 4.48 4.96
36 .77 .98 1.20 1.44 1.69 1.94 2.23 2.53 2.86 3.22 3.49 3.78 4.14 4.53 4.90 5.41
37 .80 1._3 1.28 1.55 1.83 2.10 2.4_ 2.73 3.08 3.45 3.74 4.07 4.47 4.91 5.33 5.82
38 .84 1.1_ 1.39 1.68 1._8 2.27 2.59 2.94 3.30 3.70 4.01 4.36 4.79 5.28 5.76 6.27
39 .89 1.20 1.51 1.82 2.13 2.44 2.78 3.14 3.54 3.95 4.2_ 4.66 5.12 5.65 6.21 6.77
40 .96 1.31 1.64 1.97 2._9 2.61 2.96 3.35 3.77 4.22 4.57 4.96 5.45 6._3 6.6_ 7.36
41 1.04 1.42 1.80 2.1_ 2.50 2.83 3.20 3.62 4.08 4.57 4.__ 5.35 5.8_ 6.49 7.20 8.03
42 1.12 1.55 1.96 2.34 2.70 3.05 3.45 3.89 4.40 4.93 5.32 5.77 6.32 6.98 7.76 8.75
43 1.19 1.56 2.1_ 2.51 2.89 3.28 3.69 4.16 4.6_ 5.27 5.72 6.24 6.82 7.52 8.36 9.47
44 1.27 1.76 2.23 2.67 3.18 3.49 3.93 4.41 4.94 5.62 6.14 _.72 7.37 8.12 8.98 10.15
45 1.34 1.86 2.37 2.85 3.28 3.72 4.13 4.67 5.22 5.99 6.53 7.24 7.96 8.75 9.60 10.79
46 1.41 1.96 2.50 3._3 3.51 3.97 4.44 4.97 5.56 6.37 7.07 7.83 8.67 9.51 10.45 11.74
47 1.47 2.08 2.6_ 3.24 3.77 4.25 4.76 5.32 5.99 6.82 7.59 8.45 9.36 10.32 11.40 12.78
48 1.54 2.20 2.__ 3.47 4.07 4.60 5.15 5.75 6.49 7.32 8.14 9.05 10.07 11.19 12.42 13.97
49 1.6_ 2.34 3._4 3.72 4.39 4.99 5.59 6.24 7.02 7.86 8.69 9.66 10.83 12.12 13.53 15.30
50 1.67 2.49 3.24 3.98 4.71 5.38 6.04 6.74 7.53 8.36 9.2_ 10.31 11.61 13.07 14.70 16.73
51 1.77 2.69 3.53 4.34 5.13 5.88 6.62 7.39 8.16 9.05 9.98 11.14 12.55 14.18 15.__ 18.24
52 1.__ 2.91 3.8_ 4.__ 5.__ _.36 7.1_ 7.95 8.77 9.7_ 10.73 12._1 13.__ 15.34 1_.__ 19.77
53 1.99 3.13 4.13 5._4 5.94 _.79 7.__ _.43 9.36 10.42 11.5_ 12.91 14.5_ 16.30 18._6 21._4
54 2.12 3.35 4.42 _.39 6._2 7.14 7.93 8.90 9.93 11.0_ 12.32 13._5 15._4 17.69 20.02 22.84
55 2.26 3.5_ 4.75 _.76 ____ 7.51 8.__ 9.34 10.49 11.77 13.14 14.83 16.75 18.93 21.43 24.36
56 2.4_ 3.87 5.11 6.14 7.__ 7.91 8.82 9.83 11.06 12.4_ 14.01 15.84 17.92 20.25 22.95 2_.15
57 2.63 4.19 5.5_ 6.58 7.68 8.40 9.34 10.40 11.66 13.24 14.92 16.92 19.16 21.67 24.55 28.12
58 2.87 4.56 5.97 7.12 ____ 9.01 10.00 11.08 12.33 14.05 15.87 18.03 20.46 2_.19 26.30 30.12
59 3.13 4.99 6.53 7.74 8.7_ 9.75 10.77 11.86 13.13 14.94 16.87 19.17 21.81 24.79 28.15 32.25
60 3.43 5.47 7.13 8.42 9.55 10.58 11.63 12.72 14.04 15.90 17.93 20.37 23.23 26.48 30.11 34.71
61 3.78 5.97 7.75 9.15 10.37 11.44 12.52 13.64 15.02 16.92 19.12 21.80 24.99 28.68 32.94 38.21
62 4.17 6.47 8.36 9.90 11.17 12.30 13.42 14.60 16.05 18.02 20.4_ 23.33 26.89 31.18 36.00 42.00
63 4.59 7.04 9.04 10.66 11.94 13.10 14.27 15.52 17.05 19.13 21.71 24.92 29.04 33.87 39.24 46.13
64 5.06 7.71 9.78 11.41 12.70 13.89 15.09 16.41 18.07 20.25 23.07 26.75 31.34 36.70 42.69 50.49
65 5.57 8.39 10.54 12.15 13.48 14.70 15.95 17.38 19.19 21.52 24.71 2_.78 33.81 39.74 46.36 54.95
66 6.11 9._2 11.24 12.87 14.28 15.58 16.95 18.54 20.54 23.15 26.75 31.29 36.94 43.60 51.09 60.56
67 6.68 9.54 11.79 13.55 15.11 16.59 18.14 19.96 22.32 25.16 29.16 34.19 40.42 47.79 56.16 66.60
68 7.29 9.98 12.23 14.17 15.93 17.74 19.60 21.87 24.56 27.62 32.06 37.55 44.30 52.30 61.57 73.03
69 7.93 10.38 12.62 14.76 16.89 19.04 21.45 24.16 27.19 30.50 35.40 41.33 48.53 57.14 67.30 80.22
70 8.59 10.72 12.95 15.30 17.82 20.57 23.53 26.75 30.18 33.74 39.15 45.46 53.11 62.28 73.3_ 88.04
71 9.20 11.47 13.3_ 16.31 19.07 22.00 25.15 28.56 32.20 35.98 41.99 49.64 57.58 67.79 80.12 96.55
72 9.84 12.24 14.74 17.46 20.43 23.51 26.85 30.48 34.35 38.33 45.02 52.56 62.33 73.70 87.44 106.28
73 10.49 13.03 15.7_ 18.65 21.77 25.07 28.61 32.46 36.54 40.75 48.15 56.83 67.32 79.90 95.65 119.05
74 10.98 13.71 16.56 19.58 22.34 26.29 29.98 33.97 38.22 42.59 50.63 60.05 71.46 85.15 104.97 131.09
75 11.35 14.14 17.08 20.13 23.52 27.05 30.82 34.90 39.23 43.68 52.24 62.29 74.41 90.22 113.03 141.63
76 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 120.74
77 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 126.11
78 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 133.31
79 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 144.25
80 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
81 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
82 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
83 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
84 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
85 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
FACTORS FOR CHARGER/FT - MALE PREFERRED NON-SMOKER
DUR 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 ULT
--- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------
0 3.25 .75 .47 .36 .3_ .27 .24 .22 .20 .18 .20 .22 .26 .36 .48 .67
1 .78 .49 .38 .31 .25 .25 .23 .20 .19 .18 .20 .24 .33 .45 .62 .80
2 .51 .40 .32 .29 .26 .24 .21 .19 .19 .19 .22 .31 .41 .58 .75 .94
3 .41 .34 .30 .27 .25 .22 .20 .20 .20 .21 .29 .39 .54 .70 .87 1.05
4 .35 .32 .28 .26 .23 .21 .20 .20 .22 .28 .37 .51 .68 .82 .98 1.12
5 .33 .29 .27 .24 .22 .21 .21 .22 .29 .35 .49 .63 .78 .93 1.06 1.14
6 .30 .27 .25 .23 .22 .22 .23 .30 .37 .47 .60 .75 .89 1.01 1.08 .46
7 .28 .25 .23 .23 .23 .24 .31 .38 .49 .59 .73 .86 .97 1.04 .48 .45
8 .26 .24 .23 .23 .25 .32 .39 .50 .61 .71 .84 .94 1.01 .48 .47 .44
9 .25 .24 .24 .26 .33 .4_ .52 .63 .74 .83 .9_ .98 .48 .46 .46 .44
10 .25 .25 .26 ._4 .42 .34 .65 .76 .86 .9_ .98 .48 .47 .46 .45 .43
11 .25 .27 .34 .42 .54 .65 .77 .87 .94 .96 .49 .47 .48 .45 .45 .43
12 .27 .34 .42 .55 .__ .78 .87 .95 .97 .49 .47 .46 .45 .44 .44 .42
13 .35 .43 .55 .67 .73 .88 .96 .98 .51 .48 .46 .46 .45 .44 .43 .44
14 .43 .56 .67 .79 .89 .97 .99 .52 .49 .47 .46 .45 .44 .43 .45 .45
15 .55 .67 .78 .87 .94 .98 .53 .50 .48 .46 .45 .45 .43 .45 .47 .47
16 .65 .75 .81 .87 .91 .53 .52 .49 .48 .46 .44 .43 .45 .46 .49 .49
17 .71 .77 .80 .83 .52 .51 .50 .48 .47 .45 .44 .45 .47 .48 .51 .50
18 .68 .73 .76 .59 .51 .49 .47 .46 .45 .44 .43 .45 .47 .50 .52 .51
19 .63 .68 .48 .48 .48 .45 .45 .44 .43 .43 .42 .45 .48 .50 .53 .53
20 .56 .44 .45 .45 .44 .42 .42 .41 .41 .42 .42 .45 .48 .51 .55 .56
21 .37 .41 .43 .43 .41 .38 .39 .39 .40 .41 .42 .45 .49 .52 .58 .60
22 .34 .33 .4_ .40 .3_ .37 .37 .37 .38 .40 .42 .45 .49 .54 .60 .64
23 .32 .36 .38 .37 .37 .36 .36 .36 .37 .40 .42 .46 .51 .57 .63 .69
24 .30 .33 .36 .36 .36 .35 .35 .36 .38 .40 .44 .48 .54 .61 .68 .75
25 .28 .31 .34 .34 .35 .34 .35 .36 .38 .42 .47 .51 .59 .67 .74 .82
26 .27 .29 .32 .33 .34 .34 .36 .37 .40 .44 .49 .56 .64 .73 .82 .90
27 .26 .28 .30 .32 .34 .35 .37 .39 .43 .47 .54 .61 .70 .80 .91 .99
28 .26 .28 .30 .32 .34 .36 .39 .42 .46 .51 .58 .66 .76 .88 .99 1.09
29 .26 .28 .30 .33 .35 .38 .42 .45 .50 .57 .64 .73 .83 .96 1.09 1.20
30 .27 .29 .32 .34 .37 .41 .44 .50 .56 .62 .71 .80 .91 1.05 1.19 1.34
31 .27 .30 .33 .36 .4_ .44 .49 .54 .61 .69 .78 .88 1.01 1.15 1.31 1.49
32 .28 .31 .34 .38 .42 .4_ .5_ .59 .67 .75 .86 .98 1.11 1.27 1.47 1.66
33 .28 .32 .36 .43 .46 .51 .58 .65 .73 .82 .94 1.07 1.23 1.43 1.64 1.86
34 .28 .33 .37 .43 .49 .56 .63 .71 .80 .90 1.03 1.18 1.37 1.60 1.84 2.10
35 .28 .34 .40 .46 .53 .60 .68 .77 .87 .97 1.12 1._1 1.53 1.79 2.07 2.37
36 .28 .35 .43 .5_ .__ .66 .76 .85 .96 1.08 1.25 1.45 1.71 2.00 2.32 2.65
37 .30 .38 .46 .55 .64 .74 .84 .94 1.06 1.20 1.39 1.62 1.90S 2.24 2.60 2.95
38 .32 .41 .51 .61 .72 .82 .92 1.05 1.19 1.34 1.55 1.80 2.11 2.48 2.91 3.27
39 .35 .46 .57 .68 .79 .9_ 1.03 1.17 1.32 1.49 1.72 1.99 2.33 2.75 3.24 3.64
40 .38 .51 .64 .76 .__ 1.00 1.14 1.30 1.47 1.__ 1.90 2.20 2.58 3.04 3.60 4.10
41 .42 .56 .71 .84 .97 1.11 1.26 1.44 1.63 1.84 2.11 2.46 2.88 3.41 4.07 4.69
42 .45 .52 .78 .93 1.__ 1.23 1.40 1._9 1.80 2.03 2.3_ 2.74 3.22 3.83 4.59 5.37
43 .49 .67 .85 1._2 1.19 1.35 1.53 1.74 1.97 2.25 2.62 3.07 3.63 4.32 5.18 6.11
44 .52 .73 .93 1.18 1.29 1.48 1.67 1.89 2.14 2.46 2.9_ 3.44 4.09 4.87 5.83 6.93
45 .58 .79 1.01 1.28 1.41 1._1 1.83 2.07 2.33 2.71 3.23 3.86 4.61 5.49 6.60 7.81
46 .61 .85 1.1_ 1.34 1.55 1.77 2.01 2.27 2.57 2.99 3.58 4.60 5.14 6.16 7.38 8.67
47 .65 .93 1.20 1.46 1.72 1.96 2.22 2.51 2.87 3.31 3.98 4.77 5.75 6.89 8.24 9.63
48 .70 1.01 1.32 1.81 1.__ 2.19 2.48 2.81 3.22 3.69 4.41 5.31 6.40 7.68 9.20 10.75
49 .75 1.10 1.45 1.79 2.13 2.45 2.79 3.16 3.61 4.11 4.90 5.89 7.10 8.54 10.26 12.02
50 .80 1.21 1.60 1.98 2.37 2.74 3.13 3.55 4.02 4.57 5.43 6.50 7.85 9.48 11.43 13.42
51 .__ 1.32 1.78 2.18 2.__ 3.85 3.48 3.95 4.47 5.07 6.0_ 7.20 8.72 10.59 12.83 1_.13
52 .92 1.44 1.93 2.__ _.__ _.__ _.__ 4.35 4.91 _.37 6.61 7._6 _.__ 11.7_ 14.3_ __.__
53 .99 1.57 2.11 2.__ _.__ _.__ 4.1_ 4.7_ 5.35 _._7 7.2_ _.__ 10.7_ 1_._7 15.97 1 .98
54 1.07 1.71 2.29 2.84 _.__ _.__ 4.47 5._8 5.79 _.__ 7.94 9._6 11.__ 14.45 17.69 21.04
55 1.15 1.66 2.54 3.__ _.__ _.__ 4.7_ 5.44 6.24 7.15 8.67 10._1 13.__ 1_.95 19.59 23.27
56 1.26 2.04 2.73 3.__ _.__ _.__ _.__ 5.85 6.72 7.74 9.44 11.__ 14.23 17.46 21.49 25.__
57 1.33 2.24 3.01 3.__ _.__ 4.89 _.__ 5.32 7.23 8.3_ 1_.27 12.__ 15.57 19.15 23.59 2_.33
58 1.53 2.30 3.34 4.27 4.71 5.36 _.__ 6.87 7.82 9.11 11.18 13._1 17.05 21.01 25.97 31.21
59 1.71 2.79 3.73 4.51 5.2_ _.__ _.__ 7.52 8.51 9.91 12.17 15.05 18.64 23.09 28.60 34.42
60 1.92 3.12 4.18 5.__ 5.80 _.__ 7.37 8.25 9.31 10.79 13.25 16.40 20.40 25.37 31.52 37.93
61 2.16 3.48 4.61 5.56 6.43 7.25 8.11 9.04 10.19 11.77 14.44 17.90 22.33 27.90 34.65 41.83
62 2.43 3.85 5.08 5.14 7.0_ 7.97 _.__ 9.91 11.16 12.86 15.78 19.37 24.48 30.61 38.08 46.11
63 2.73 4.28 5.61 6.75 7.74 8.69 _.__ 10.79 12.17 14.02 17.21 21.38 26.77 33.55 41.80 50._4
64 3.06 4.78 6.29 7.39 8.42 9.43 10.50 11.70 13.25 15.28 18.77 23.32 29.27 36.74 45.81 55.91
65 3.46 5.31 6.83 8.06 9.15 10.23 11.38 12.74 14.43 16.72 20.51 25.51 32.03 40.23 50.16 61.20
66 3.87 5.35 7.45 8.73 9.93 11.12 12.43 13.98 15.96 18.42 22.61 26.15 35.35 44.41 55.43 67.40
67 4.33 6.33 8.00 9.42 10.78 12.16 13.68 15.51 17.76 20.49 25.14 31.22 39.11 49.04 61.19 74.20
68 4.83 6.77 8.50 10.11 11.72 13.3_ 15.23 17.40 20.00 23.05 28.20 34.83 43.39 54.16 64.46 81.55
69 5.38 7.22 9.00 10.82 12.74 13S30 17.0_ 19.67 22.70 28.10 31.78 38.97 48.18 59.76 74.24 89.97
70 5.97 7.65 9.50 11.54 13.85 16.36 19.17 22.33 25.83 29.62 35.89 43.64 53.4_ 65.84 81.56 99.31
71 6.56 8.41 10.43 12.6S 15.17 17.92 20.99 24.44 28.26 32.42 39.27 47.73 58.44 71.95 89.10 108.46
72 7.21 9.23 11.45 13.89 16.61 19.63 22.9_ 26.75 30.94 35.47 42.95 52.18 53.89 78.63 97.32 118.41
73 7.91 10.13 12.53 15.19 18.17 21.46 25.12 29.24 33.80 38.74 46.90 56.96 69.71 85.75 106.10 128.90
74 8.54 10.90 13.49 16.35 19.55 23.07 27.01 31.43 36.33 41.62 50.36 61.14 74.8_ 92.00 113.63 137.98
75 9.05 11.32 14.25 17.27 20.65 24._7 28.52 33.18 38.34 43.90 53.10 64.45 78.80 96.75 119.47 145.05
76 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 128.64
77 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 134.52
78 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 142.27
79 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 154.03
80 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
81 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
82 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
83 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
84 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
85 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
R FACTORS FOR CHARGER/FT - FEMALE PREFERRED NON-SMOKER
DUR 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 ULT
--- ---- ---- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------
0 2.32 .53 .34 .26 .21 .19 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27
1 .53 .34 .26 .21 .19 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32
2 .34 .26 .21 .19 .17 .16 .14 .13 .12 .12 .16 .17 .21 .27 .32 .38
3 .26 .21 .19 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43
4 .21 .19 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46
5 .19 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48
6 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48 .35
7 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48 .35 .34
8 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48 .35 .34 .33
9 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48 .35 .34 .34 .33
10 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48 .35 .34 .33 .33 .32
11 .12 .13 .17 .21 .27 .32 .36 .43 .46 .48 .35 .34 .33 .33 .33 .32
12 .13 .17 .21 .27 .32 .38 .43 .46 .48 .35 .34 .33 .33 .33 .32 .31
13 .17 .21 .27 .32 .38 .43 .46 .48 .36 .34 .33 .33 .32 .32 .31 .33
14 .21 .27 .32 .38 .43 .46 .48 .36 .35 .33 .36 .32 .32 .31 .33 .34
15 .26 .32 .37 .42 .45 .47 .37 .35 .34 .33 .32 .32 .31 .33 .34 .35
16 .33 .38 .41 .44 .46 .37 .36 .35 .34 .33 .32 .31 .33 .34 .36 .37
17 .38 .41 .43 .45 .36 .36 .35 .34 .33 .32 .31 .33 .34 .36 .37 .37
18 .39 .42 .43 .35 .35 .34 .33 .33 .32 .31 .31 .33 .34 .36 .38 .38
19 .3_ .41 .33 .33 .33 .32 .31 .31 .30 .30 .30 .33 .35 .37 .39 .40
20 .3_ .30 .31 .31 .31 .29 .29 .29 .29 .30 .30 .33 .35 .38 .40 .42
21 .2_ .29 .30 .29 .29 .27 .27 .28 .28 .29 .30 .33 .35 .39 .42 .45
22 .25 .28 .29 .29 .23 .27 .27 .27 .28 .29 .31 .33 .37 .40 .45 .48
23 .24 .27 .28 .28 .28 .27 .27 .27 .28 .30 .32 .35 .39 .44 .48 .53
24 .23 .26 .28 .28 .28 .27 .27 .28 .29 .32 .35 .38 .43 .48 .53 .58
25 .22 .25 .27 .28 .28 .28 .28 .29 .31 .34 .38 .42 .47 .53 .59 .64
26 .22 .24 .26 .27 .28 .29 .30 .31 .33 .37 .41 .46 .52 .59 .66 .71
27 .22 .24 .26 .27 .29 .30 .32 .34 .37 .41 .46 .51 .53 .65 .73 .78
28 .22 .24 .26 .28 .30 .32 .34 .37 .41 .46 .51 .57 .64 .72 .80 .86
29 .2_ .25 .27 .29 .32 .35 .38 .42 .46 .52 .57 .65 .71 .80 .88 .95
30 .25 .27 .29 .32 .35 .38 .42 .47 .52 .59 .66 .71 .79 .88 .97 1.05
31 .25 .28 .30 .34 .37 .41 .46 .51 .57 .64 .71 .78 .87 .97 1.06 1.16
32 .26 .29 .32 .36 .40 .44 .50 .56 .63 .71 .78 .86 .96 1.06 1.18 1.29
33 .26 .30 .33 .38 .43 .48 .54 .61 .68 .77 .85 .95 1.06 1.19 1.32 1.45
34 .26 .30 .3_ .40 .46 .52 .59 .66 .74 .84 .93 1.04 1.17 1.32 1.48 1.63
35 .26 .31 .37 .43 .49 .56 .6_ .72 .81 .90 1.01 1.14 1.30 1.48 1.65 1.84
36 .25 .32 .38 .45 .53 .60 .68 .77 .86 .97 1.09 1.24 1.41 1.61 1.82 2.02
37 .26 .33 .41 .48 .56 .64 .73 .82 .92 1.04 1.18 1.34 1.53 1.76 1.99 2.20
38 .27 .35 .43 .52 .61 .69 .78 .88 .99 1.12 1.26 1.44 1.65 1.90 2.18 2.40
39 .28 .38 .47 .56 .65 .74 .83 .95 1.07 1.20 1.36 1.54 1.77 2.06 2.38 2.63
40 .30 .40 .50 .60 .69 .78 .89 1.01 1.14 1.29 1.45 1.66 1.91 2.22 2.60 2.91
41 .32 .44 .56 .65 .7_ .85 .97 1.10 1.24 1.40 1.58 1.81 2.0_ 2.43 2.85 3.23
42 .34 .47 .59 .70 .81 .92 1.05 1.19 1.35 1.52 1.73 1.97 2.27 2.66 3.12 3.58
43 .3_ .50 .63 .75 .87 .99 1.12 1.27 1.44 1.65 1.88 2.16 2.50 2.91 3.42 3.95
44 .3_ .53 .67 .81 .93 1.06 1.20 1.36 1.54 1.78 2.05 2.37 2.76 3.20 3.74 4.33
45 .40 .56 .72 .86 1.06 1.14 1.29 1.46 1.65 1.92 2.23 2.60 3.02 3.51 4.10 4.72
46 .42 .59 .76 .92 1.07 1.22 1.39 1.57 1.78 2.08 2.44 2._6 3.35 3.91 4.57 5.23
47 .45 .63 .81 .99 1.16 1.33 1.51 1.71 1.95 2.26 2.67 3.14 3.70 4.34 5.08 5.81
48 .47 .67 .87 1.07 1.27 1.46 1.65 1.87 2.15 2.47 2.91 3.44 4.08 4.80 5.65 6.48
49 .49 .72 .94 1.16 1.39 1.60 1.82 2.07 2.37 2.70 3.18 3.76 4.47 5.30 6.28 7.25
50 .51 .77 1.01 1.26 1.51 1.75 2.01 2.28 2.59 2.94 3.46 4.18 4.89 5.84 6.96 8.09
51 .55 .84 1.12 1.39 1.67 1.95 2.24 2.54 2.87 3.26 3.81 4._1 5.39 6.46 7.73 9.01
52 .59 .92 1.23 1.53 1._4 2.15 2.4_ 2.80 3.16 3.58 4.19 4.97 5.94 7.14 9.56 9.99
53 .63 1.00 1.35 1.67 2._1 2.34 2.67 3.04 3.44 3.91 4.59 5.45 6.53 7.85 9.43 11._2
54 .68 1.09 1.47 1.82 2.17 2.57 2.88 3.27 3.72 4.24 5.00 5.97 7.1_ 8.60 10.34 12.17
55 .74 1.19 1.60 1.98 2.36 2.71 3._8 3.50 4.01 4.81 5.45 6.53 7.84 9.41 11.33 13.18
56 .81 1.31 1.76 2.16 2.55 2.91 3.31 3.76 4.32 4.98 5.94 7.13 8.57 10.30 12.41 14.50
57 .89 1.44 1.94 2.37 2.76 3.15 3.57 4.06 4.6_ 5.40 6.46 7.79 9.38 11.29 13.61 15.98
58 .99 1.61 2.1_ 2.62 3.0_ 3.45 3.91 4.42 5.03 5.86 7.00 8.50 10.26 12.37 14.94 17.55
59 1.10 1.80 2.40 2.90 3.35 3.81 4.30 4.83 5.47 6.37 7.63 9.25 11.20 13.56 16.41 19.29
60 1.24 2.01 2.67 3.22 3.73 4.22 4.74 5.30 5.98 6.93 8.32 10.07 12.23 14.85 18.01 21.18
61 1.39 2.24 2.97 3.57 4.14 4.66 5.21 5.81 6.5_ 7.55 9.04 11.04 13.49 16.51 20.10 23.80
62 1.56 2.47 3.27 3.95 4.56 5.12 5.72 6.37 7.16 8.24 9.92 12.12 14.89 18.31 22.42 26.70
63 1.76 2.75 3.67 4.34 4.97 5.58 6.22 6.93 7.80 8.96 10.85 13.29 16.41 20.29 24.94 29.95
64 1.98 3.07 3.99 4.75 5.41 6.06 6.74 7.50 8.47 9.74 11.83 14.55 18.06 22.45 27.72 33.50
65 2.22 3.42 4.39 5.18 5.88 6.56 7.29 8.15 9.23 10.62 12.93 15.97 19.92 24.84 30.76 37.28
66 2.49 3.76 4.79 5.61 6.37 7.13 7.94 8.91 10.13 11.65 14.28 17.73 22.22 27.85 34.66 42.02
67 2.78 4.07 5.14 6.05 6.91 7.77 8.72 9.85 11.24 12.93 15.90 19.79 24.84 31.20 38.97 47.31
68 3.11 4.35 5.46 6.48 7.49 8.53 9.67 11.01 12.61 14.48 17.85 22.21 27.84 34.94 43.73 53.11
69 3.4_ 4.63 5.77 6.92 8.12 9.39 10.79 12.41 14.26 16.34 20.15 24.99 31.20 39.06 48.94 59.77
70 3.83 4.96 6.07 7._6 8.79 10.35 12.09 14.03 16.17 18.47 22.77 28.13 34.94 43.60 54.64 67.26
71 4.21 5.37 6.65 8.05 9.60 11.30 13.19 15.30 17.63 20.14 24.99 31.05 38.78 48.62 61.21 75.66
72 4.61 5.88 7.27 8.79 10.43 12.33 14.39 16.68 19.22 21.95 27.42 34.27 43.03 54.19 68.52 85.02
73 5.04 6.43 7.93 9.58 11.42 13.43 15.66 18.16 20.92 23.87 30.03 37.74 47.64 60.27 76.53 95.25
74 5.42 6.90 8.51 10.27 12.24 14.39 16.78 19.45 22.39 25.55 32.35 40.90 51.88 65.93 83.97 104.87
75 5.71 7.27 8.96 10.81 12.88 15.14 17.65 20.45 23.54 26.86 34.23 43.51 55.46 70.73 90.42 113.29
76 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 96.60
77 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 100.88
78 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 106.65
79 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 115.41
80 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
81 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
82 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
83 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
84 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
85 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
R FACTOR FOR CHARGER/FT - MALE PREFERRED SMOKER
DUR 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 ULT
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------
0 3.25 .75 .47 .36 .30 .27 .24 .22 .20 .18 .20 .22 .26 .36 .48 .67
1 .78 .49 .38 .31 .23 .25 .23 .20 .19 .18 .20 .24 .33 .45 .62 .80
2 .51 .40 .32 .29 .26 .24 .21 .19 .19 .19 .22 .31 .41 .58 .75 .94
3 .41 .34 .30 .27 .28 .22 .20 .20 .20 .21 .29 .39 .54 .70 .87 1.05
4 .35 .32 .28 .26 .23 .21 .20 .20 .22 .28 .37 .51 .66 .82 .98 1.12
5 .33 .29 .27 .24 .22 .21 .21 .22 .29 .35 .49 .63 .78 .93 1.0_ 1.14
6 .30 .27 .25 .23 .22 .22 .23 .30 .37 .47 .60 .75 .89 1.01 1.08 .95
7 .2_ .25 .23 .23 .23 .24 .31 .38 .49 .59 .73 .86 .97 1.04 .96 .93
8 .26 .24 .23 .23 .25 .32 .39 .50 .61 .71 .84 .94 1.01 .95 .94 .91
9 .25 .24 .24 .26 .33 .40 .52 .63 .74 .83 .93 .98 .93 .93 .92 .90
10 .25 .25 .26 .34 .42 .54 .65 .76 .86 .93 .98 .92 .91 .91 .91 .89
11 .25 .27 .34 .42 .54 .65 .77 .87 .94 .96 .90 .89 .89 .90 .90 .88
12 .27 .34 .42 .55 .6_ .78 .87 .95 .97 .88 .83 .88 .88 .89 .89 .86
13 .35 .43 .55 .67 .78 .88 .96 .98 .87 .86 .86 .87 .87 .88 .86 .90
14 .43 .56 .67 .79 .89 .97 .99 .86 .84 .84 .85 .85 .86 .85 .91 .93
15 .55 .67 .78 .87 .94 .98 .86 .84 .83 .83 .84 .84 .84 .89 .94 .97
16 .65 .75 .81 .87 .91 ._3 .83 .82 .81 .82 .82 .82 .88 .93 .98 1.01
17 .71 .77 .80 .83 .81 .80 .81 .80 .80 .80 .81 .86 .91 .97 1.02 1.03
18 .68 .73 .78 .77 .79 .77 .77 .77 .78 .79 .80 .86 .92 .99 1.04 1.05
19 .63 .68 .71 .73 .74 .72 .72 .72 .74 .77 .78 .86 .93 1.01 1.06 1.09
20 .56 .64 .68 .69 .69 .66 .68 .68 .71 .75 .78 .86 .96 1.02 1.10 1.15
21 .54 .61 .64 .64 .64 .61 .64 .65 .69 .74 .78 .86 .95 1.05 1.16 1.23
22 .51 .57 .61 .61 .61 .60 .61 .63 .68 .73 .79 .87 .98 1.09 1.23 1.33
23 .49 .55 .59 .59 .60 .59 .61 .64 .69 .75 .82 .91 1.03 1.17 1.31 1.45
24 .46 .52 .56 .58 .59 .60 .62 .66 .71 .77 .87 .96 1.11 1.27 1.44 1.59
25 .44 .49 .53 .57 .60 .61 .64 .69 .74 .82 .93 1.05 1.22 1.41 1.58 1.76
26 .42 .47 .53 .56 .61 .64 .67 .72 .79 .83 1.00 1.16 1.34 1.55 1.77 1.96
27 .42 .46 .52 .57 .62 .66 .71 .77 .85 .95 1.10 1.27 1.48 1.73 1.98 2.18
28 .43 .48 .53 .59 .65 .70 .76 .84 .93 1.05 1.21 1.40 1.63 1.91 2.19 2.42
29 .45 .50 .55 .62 .69 .75 .83 .92 1.03 1.18 1.35 1.56 1.81 2.11 2.41 2.70
30 .48 .53 .59 .66 .74 .82 .90 1.02 1.16 1.31 1.51 1.74 2.01 2.32 2.67 3.01
31 .51 .57 .63 .71 .79 .89 1.00 1.13 1.29 1.48 1.68 1.93 2.23 2.58 2.96 3.33
32 .53 .60 .68 .76 .80 .97 1.10 1.25 1.43 1.63 1.87 2.15 2.48 2.87 3.29 3.71
33 .54 .63 .72 .82 .94 1.07 1.22 1.38 1.58 1.80 2.07 2.38 2.76 3.20 3.67 4.14
34 .55 .65 .76 .88 1.03 1.17 1.34 1.53 1.74 1.97 2.28 2.64 3.07 3.57 4.10 4.86
35 .55 .68 .81 .96 1.12 1.29 1.47 1.68 1.91 2.15 2.51 2.91 3.40 3.97 4.59 5.23
36 .57 .73 .89 1.06 1.25 1.43 1.65 1.87 2.12 2.40 2.78 3.23 3.78 4.43 5.12 5.80
37 .61 .79 .97 1.18 1.39 1.60 1.83 2.09 2.37 2.66 3.08 3.58 4.20 4.92 5.68 6._6
38 .66 .87 1.10 1.33 1.56 1.79 2.05 2.34 2.63 2.95 3.41 3.96 4.62 5.41 6.27 6.97
39 .73 .98 1.23 1.49 1.74 2.00 2.28 2.59 2.92 3.27 3.77 4.35 5.07 5.93 6.91 7.66
40 .81 1.10 1.39 1.67 1.94 2.23 2.53 2.87 3.23 3.63 4.18 4.77 5.54 6.48 7.59 8.48
41 .90 1.23 1.56 1.87 2.17 2.47 2.79 3.16 3.57 4.00 4.58 5.26 6.11 7.16 8.42 9.55
42 .98 1.36 1.72 2.07 2.39 2.71 3.07 3.47 3.92 4.39 5.04 5.81 6.75 7.91 9.34 10.73
43 1.07 1.49 1.89 2.26 2.62 2.97 3.35 3.78 4.25 4.79 5.53 6.41 7.47 8.76 10.34 11.99
44 1.16 1.62 2.06 2.47 2.84 3.23 3.64 4.09 4.57 5.19 6.06 7.07 8.27 9.71 11.45 13.29
45 1.26 1.75 2.23 2.69 3.10 3.51 3.94 4.41 4.92 5.63 6.63 7.79 9.15 10.76 12.65 14.63
46 1.35 1.89 2.41 2.93 3.38 3.82 4.28 4.78 5.34 6.11 7.22 8.52 10.05 11.77 13.81 15.91
47 1.45 2.04 2.62 3.19 3.71 4.18 4.67 5.22 5.86 6.66 7.87 9.30 10.96 12.87 15.12 17.33
48 1.54 2.22 2.86 3.48 4.09 4.62 5.15 5.74 6.47 7.28 8.57 10.10 11.93 14.06 16.54 18.96
49 1.65 2.40 3.12 3.81 4.50 5.10 5.70 6.35 7.13 7.96 9.30 10.95 12.96 15.33 18.10 20.77
50 1.75 2.61 3.40 4.17 4.92 5.61 6.29 7.00 7.80 8.66 10.07 11.85 14.06 16.68 19.75 22.70
51 1.85 2.82 3.70 4.53 5.35 6.12 6.87 7.65 8.45 9._7 10.91 12.87 15.31 18.25 21.71 25.06
52 3.25 3._4 4.__ 4.__ 5.76 _.__ 7.4_ ____ 9.03 10.0_ 11.79 _____ 16.__ 19.90 2_.7_ 27.52
53 2.09 3.27 4.30 _.25 6.16 7.03 7.86 _.74 9.70 10.79 12.68 _____ 18.02 21._9 25.87 30.07
54 2.22 3.49 4.60 5.69 6.54 7.40 8.2_ 9.21 10.28 11.49 13.58 16.22 19.45 23.35 28.02 32.57
55 2.36 3.74 4.93 5.96 6._1 7.77 8.67 9.67 10.87 12.20 14.52 17.44 20.97 25.20 30.32 35.19
56 2.53 4.02 5.29 6.__ 7.32 8.19 9.13 10.19 11.47 12.94 15.47 18.64 22.43 26.96 32.49 37.84
57 2.73 4.34 5.70 6.81 7.78 8.70 9.__ 10.78 12.09 13.73 16.48 19.90 23.99 28.88 34.82 40.79
58 2.97 4.72 6.19 7.37 8.37 9.34 10.37 11.49 12.79 14.58 17.54 21.22 25.66 30.95 37.40 43.82
59 3.25 5.17 6.76 8.02 9._8 10.11 11.17 12.30 13.62 15.50 18.65 22.60 27.39 33.18 40.16 47.10
60 3.55 5.66 7.38 8.73 9.90 10.97 12.__ 13.20 14.56 16.49 19.84 24.04 29.24 35.54 43.12 50.87
61 3.92 6.18 8.03 9.49 10.75 11.86 12.93 14.15 15.58 17.58 21.11 25.60 31.21 38.08 46.47 54.97
62 4.32 6.70 8.67 10.27 11.58 12.75 13.91 15.14 16.67 18.74 22.50 27.27 33.33 40.95 50.03 59.35
63 4.76 7.30 9.37 11.05 12.38 13.59 14.80 16.12 17.74 19.94 23.93 29.04 35.74 43.98 53.79 64.06
64 5.25 7.99 10.14 11.83 13.17 14.41 15.67 17.06 18.84 21.18 25.43 31.05 38.28 47.18 57.72 68.94
65 5.78 8.69 10.94 12.60 13.98 15.27 16.59 18.12 20.07 22.60 27.24 33.28 41.03 50.57 61.85 73.81
66 6.33 9.36 11.65 13.35 14.83 16.21 17.67 19.39 21.56 24.40 29.43 35.96 44.33 54.63 66.85 79.46
67 6.93 9.90 12.23 14.07 15.72 17.29 18.97 20.96 23.52 26.80 32.04 39.06 48.00 59.01 72.14 85.47
68 7.56 10.35 12.70 14.74 16.67 18.55 20.58 23.04 25.96 29.30 35.18 42.64 52.08 63.71 77.71 91.75
69 8.23 10.78 13.12 15.39 17.67 19.99 22.60 25.54 28.85 32.48 38.81 46.67 56.53 68.68 83.52 98.78
70 8.92 11.15 13.51 16.01 18.71 21.67 24.88 28.38 32.14 36.07 42.86 51.08 61.30 73.91 89.55 106.36
71 9.57 11.96 14.47 17.12 20.09 23.25 26.68 30.41 34.42 38.61 45.85 54.59 65.45 78._3 95.43 113.22
72 10.26 12.80 15.47 18.40 21.58 24.95 28.60 32.58 36.85 41.31 49.00 58._0 69.82 84.02 101.61 120.43
73 10.97 13.68 16.60 19.72 23.10 26.70 30.59 34.83 39.37 44.08 52.25 62.09 74.31 89.32 107.91 128.90
74 11.53 14.44 17.50 20.78 24.33 28.10 32.17 36.61 41.34 46.24 54.76 65.02 77.74 93.34 113.63 137.98
75 11.96 14.95 18.12 21.49 25.14 29.02 33.21 37.75 42.59 47.61 56.32 66.81 79.77 96.76 119.47 145.05
76 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 128.64
77 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 134.52
78 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 142.27
79 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 154.03
80 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
81 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
82 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
83 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
84 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
85 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
R FACTORS FOR CHARGER/FT - FEMALE PREFERRED SMOKER
DUR 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 ULT
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------
0 2.32 .53 .34 .26 .21 .1_ .17 .16 .14 .13 .12 .12 .13 .17 .21 .27
1 .53 .34 .26 .21 .19 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32
2 .34 .26 .21 .1_ .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38
3 .26 .21 .19 .1_ .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43
4 .21 .19 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46
5 .19 .17 .1_ .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48
6 .17 .16 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48 .71
7 .1_ .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48 .71 .69
8 .14 .13 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48 .70 .69 .68
9 .__ .12 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48 .68 .68 .68 .68
10 .12 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48 .66 .66 .67 .67 .66
11 .12 .13 .17 .21 .27 .32 .38 .43 .46 .48 .64 .64 .65 .66 .66 .66
12 .1_ .17 .21 .27 .32 .38 .43 .46 .48 .62 .62 .63 .64 ._5 .66 .64
13 .17 .21 .27 .32 .__ .43 .4_ .48 .61 .60 .61 .63 .63 .64 .64 .67
14 .21 .27 .32 .38 .43 .46 .43 .60 .60 .59 .61 .62 .63 .62 .67 .69
15 .26 .32 .37 .4_ .4_ .47 .60 .59 .59 .58 .60 .61 .61 .65 .69 .72
16 .33 .__ .41 .44 .46 .5_ .58 .58 .58 .58 .59 ._9 .64 .68 .72 .75
17 .38 .41 .43 .45 .57 .56 .5_ .56 .56 .57 .58 .62 .66 .71 .75 .77
18 .39 .42 .43 .53 .55 .54 .54 .54 .5_ .56 .57 .62 .67 .73 .77 .79
19 .38 .41 .50 .51 .52 .50 .51 .51 .52 .54 .56 .62 .68 .74 .79 .82
20 .3_ .45 .47 .48 .48 .4_ .48 .48 .50 .53 .55 .62 .68 .75 .82 .86
21 .38 .42 .45 .45 .44 .43 .44 .46 .49 .52 .56 .62 .69 .77 .86 .92
22 .37 .41 .44 .44 .44 .43 .45 .46 .50 .54 .59 .65 .73 .82 .93 1.01
23 .3_ .41 .44 .44 .45 .45 .46 .49 .52 .57 .63 .69 .79 .90 1.01 1.11
24 .35 .40 .44 .45 .46 .47 .49 .52 .5_ .61 .69 .76 .87 1.00 1.12 1.24
25 .35 .39 .44 .46 .48 .49 .52 .56 .61 .67 .75 .85 .98 1.12 1.26 1.39
26 .34 .39 .43 .46 .5_ .53 .5_ .60 .66 .73 .83 .95 1.09 1.26 1.42 1.55
27 .35 .39 .44 .48 .53 .57 .61 .66 .73 .82 .94 1.07 1.2_ 1.41 1.59 1.71
28 .37 .42 .47 .52 .57 .62 .67 .74 .83 .94 1.06 1.21 1.38 1.58 1.76 1.91
29 .40 .45 .50 ._6 .62 .68 .75 .84 .94 1.08 1.21 1.37 1.55 1.75 1.95 2.12
30 .44 .49 .55 .61 .69 .77 .85 .96 1.08 1.23 1.38 1.55 1.74 1.95 2.17 2.36
31 .47 .53 .59 .66 .74 .83 .94 1.06 1.21 1.37 1.54 1.72 1.92 2.16 2.40 2.60
32 .49 .__ .6_ .71 .80 .91 1.03 1.17 1.34 1.52 1.70 1.91 2.13 2.39 2.65 2.89
33 .50 .58 .67 .76 .88 1.00 1.14 1.29 1.47 1.68 1.88 2.11 2.37 2.65 2.95 3.22
34 .50 .60 .71 .82 .96 1.10 1.2_ 1.43 1.62 1.83 2.07 2.32 2.62 2.95 3.29 3.61
35 .51 .63 .7_ .90 1.04 1.20 1.37 1.56 1.77 2.00 2.26 2.54 2.89 3.27 3.66 4.06
36 .51 .65 .80 .96 1.13 1.30 1.49 1.68 1.91 2.15 2.42 2.74 3.13 3.56 4.01 4.42
37 .56 .69 .85 1.03 1.22 1.40 1.60 1.82 2.05 2.30 2.60 2.95 3.37 3.86 4.36 4.76
38 .56 .74 .93 1.12 1.32 1.51 1.72 1.96 2.20 2.47 2.78 3.16 3.62 4.15 4.71 5.13
39 .60 .80 1.01 1.21 1.42 1.63 1.85 2.10 2.36 2.63 2.98 3.38 3.86 4.44 5.08 5.54
40 .64 .87 1.09 1.32 1._3 1.74 1.98 2.24 2.51 2.82 3.18 3.59 4.11 4.73 5.47 6.02
41 .69 .95 1.20 1.44 1.6_ 1.89 2.13 2.41 2.72 3.05 3.43 3.87 4.42 5.10 5.89 6.57
42 .75 1.03 1.30 1.56 1._0 2.04 2.30 2.60 2.93 3.28 3.69 4.18 4.77 5.48 6.35 7.16
43 .80 1.11 1.40 1.67 1.93 2.13 2.4_ 2.78 3.12 3.52 3.97 4.52 5.15 5.91 6.84 7.75
44 .84 1.18 1.49 1.78 2.05 2.32 2.62 2.94 3.29 3.74 4.27 4.87 5.56 6.38 7.35 8.30
45 .89 1.24 1.58 1.90 2.18 2.48 2.78 3.11 3.48 3.99 4.57 5.24 6.01 6.88 7.86 8.83
46 .94 1.31 1.67 2.02 2._4 2.64 2.96 3.32 3.71 4.25 4.91 _.67 6.54 7.47 8.55 9.61
47 .93 1.39 1.78 2.16 2.51 2._4 3.17 3.55 3.99 4.55 5.28 6.12 7.__ 8.11 9.32 10.46
48 1.02 1.47 1.90 2.31 2._1 3.07 3.43 3.83 4.33 4.88 5.__ 6.55 7.60 8.80 10.17 11.43
49 1.07 1.56 2.03 2.48 2.93 3.33 3.72 4.16 4.68 5.24 6.04 6.99 8.17 9.52 11.07 12.52
50 1.11 1.66 2.16 2.65 3.14 3.59 4.03 4.50 5.02 5.58 6.41 7.47 8.78 10.27 12.03 13.69
51 1.18 1.79 2.3_ 2.__ 3.42 3.92 4.42 4.92 5.44 6.03 6.93 8._7 9.47 11.14 13.08 14.92
52 1.25 1.94 2.55 _.15 3.__ 4.24 4.77 _.__ 5.85 _.__ 7.47 8.70 1_.22 12.05 14.17 1_.18
53 1.33 2.08 2.75 3.36 3.95 4.58 5.__ _.__ 6.24 _.__ 8.01 9._5 11.__ 12.__ 15.27 17.46
54 1.42 2.23 2.95 3.59 4.21 4.76 5.3_ _.93 6.62 7.39 8.56 10.03 11.__ 13.90 16.38 18.69
55 1.51 2.4_ 3.17 3.64 4.4_ 5.60 5.5_ 6.23 6.99 7.85 9.41 10.74 12.64 14._7 17.54 1_.__
56 1.62 2.58 3.41 4.09 4.71 5.20 5.88 6.55 7.37 8.32 9.73 11.47 13.52 1_.91 1_.77 21.4_
57 1.75 2.__ 3.67 4.39 5._1 5.60 6.23 6.93 7.77 8.83 10.3_ 12.25 14.4_ 17.02 20.09 23.01
58 1.91 3.04 3.98 4.74 5.39 6.01 6.__ 7.39 8.22 9.37 11.03 13.06 15.44 18.22 21.52 54.65
59 2.09 3.32 4.35 5.16 5.__ 6.50 7.18 7.91 8.76 9.96 11.73 13.88 16.4_ 19.48 23.04 2_.38
60 2.29 3.65 4.75 5.61 6.37 7.05 7.75 8.48 9.36 10.60 12.4_ 14.75 17.52 20.80 24.64 2_.40
61 2.52 3.98 5.17 6.10 6.91 7.63 8.34 9.09 10.02 11.28 13.29 15.78 18.8_ 22.53 26.9_ 31.27
62 2.78 4._1 5.58 6.60 7.4_ 8.20 8.94 9.73 10.70 12.01 14.18 1_._9 20.28 24.50 29.4_ 34.36
63 3.06 4.__ 6.03 7.10 7.96 8.74 9.51 10.34 11.37 12.75 15.0_ 1_._5 21.91 2_._1 32.10 37.74
64 3.37 5.14 6.52 7.61 8.47 9.26 10.06 10.94 12.04 13.50 16.0_ 19.37 23.64 28.83 34.92 41.31
65 3.71 5.59 7.03 8.10 8.99 9.80 10.63 11.59 12.80 14.35 17.18 20._4 25.51 31.23 37.94 44.96
66 4.07 6._1 7.49 8.58 9.52 10.39 11.30 12.36 13.69 15.44 18.59 20.66 27.87 34.26 41.84 49.54
67 4.46 6.36 7.8_ 9.83 10.07 11.06 12.09 13.31 14.88 16.77 20.2_ 24.76 30.49 37.55 45.95 54.50
68 4.86 6.65 8.15 9.45 10.__ 11.83 13.07 14.58 16.37 18.41 22.28 27.19 33.42 41.__ 50.37 59.75
69 5.29 6.92 8.41 9.84 11.26 12.69 14.30 16.10 18.13 20.34 24.61 29.92 36.62 44.89 55.06 6_.63
70 5.72 7.1_ 8.66 10.20 11._8 13.71 15.69 17.83 20.12 22.49 27.20 32.92 40.07 48.94 60.00 72.04
71 6.13 7.64 9.22 10.67 12.71 14.66 16.76 19.04 21.47 23.99 29.18 3_.51 4_.43 __.26 65.55 78.__
72 6.56 8.16 9.83 11.64 13.6_ 15.67 17.9_ 20.32 20.89 25.55 31.28 3_.28 47.02 57.91 71.54 86.47
73 6.99 8.69 10.51 12.43 14.51 16.72 19.07 21.63 24.35 27.13 33.4_ 41.15 50.79 6_.78 77.82 95.25
74 7.32 9.14 11.04 13._5 15.23 17.52 19.99 22.65 25.47 28.40 35.18 43.49 53.91 66.90 83.97 104.87
75 7.56 9.43 11.38 13.45 15.68 18.03 20.55 23.27 26.16 29.12 36.30 45.10 56.14 70.73 90.42 113.29
76 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 96.60
77 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 100._8
78 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 106.65
79 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 115.41
80 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
81 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
82 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
83 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
84 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
85 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
_______ FACTORS - MALE NON-SMOKER
DUR 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 ULT
--- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- ----- -----
0 3.25 .73 .46 .35 .2_ .25 .21 .2_ .19 .1_ .1_ .21 .25 .35 .47 .65
1 .78 .43 .37 .3_ .2_ .23 .21 .19 .17 .17 .19 .23 .32 .43 .6_ .73
2 .51 .39 .31 .29 .24 .22 .2_ .18 .18 .18 .22 .30 .4_ .56 .7_ .91
3 .41 .33 .29 .25 .23 .21 .19 .19 .19 .2_ .28 .38 .55 .68 .85 1.02
4 .35 .31 .27 .24 .22 .2_ .19 .2_ .21 .27 .36 .50 .64 ._0 .98 1.10
5 .33 .2_ .26 .23 .21 .2_ .2_ .22 .28 .35 .48 .61 .76 .91 1.04 1.12
6 .36 .27 .24 .22 .21 .21 .23 .29 .36 .46 .59 .73 .87 .99 1.0_ .53
7 .25 .25 .25 .22 .22 .24 .3_ .37 .4_ .58 .71 .84 .95 1.02 .55 .52
8 .26 .24 .23 .23 .25 .51 .39 .5_ .6_ .7_ .82 .91 ._9 .58 .54 .51
9 .25 .24 .24 .25 .32 .40 .51 .62 .73 .82 .92 .97 .6_ .56 .53 .50
10 .25 .25 .26 .53 .41 .53 .64 .75 .84 .92 .96 .63 .59 .55 .53 .49
11 .25 .27 .34 .4_ .54 .65 .76 .85 .93 .95 .65 .61 .58 .55 .52 .49
12 .27 .34 .42 .54 .66 .77 .86 .94 .9_ .67 .63 .6_ .57 .54 .51 .48
13 .35 .43 .55 .66 .7_ .87 .95 .97 .68 .66 .62 .59 .56 .53 .5_ .49
14 .43 .56 .87 .79 .__ .96 .98 .68 .66 .65 .62 .58 .58 .52 .51 .5_
15 .55 .87 .78 .87 .94 .98 .68 .66 .65 .64 .61 .58 .54 .53 .52 .51
16 .65 .75 .81 .86 .91 .67 .66 .65 .64 .63 .6_ .56 .58 .54 .53 .52
17 .71 .77 .8_ ._3 .65 .64 .64 .63 .62 .62 .58 .58 .57 .56 .55 ._2
18 .6_ .73 .76 .62 .63 .61 .61 .61 .61 .61 .57 .57 .57 .56 .54 .51
19 .63 .58 .58 .59 .59 .57 .57 .57 .58 .58 .55 .56 .57 .56 .54 .51
20 .56 .52 .55 .55 .55 .57 .54 .54 .55 .56 .54 .56 .56 .55 .54 .52
21 .44 .4_ .52 .52 .51 .49 .5_ .51 .53 .55 .54 .55 .5_ .55 .55 .53
22 .41 .46 .49 .49 .49 .47 .48 .49 .51 .53 .54 .54 .55 .56 .56 .56
23 .3_ .44 .48 .47 .47 .47 .47 .48 .50 .53 .54 .54 .5_ .58 .58 .61
24 .37 .42 .45 .46 .47 .46 .47 .48 .51 .54 .56 .56 .59 .61 .64 .68
25 .35 .__ .43 .45 .46 .46 .48 .5_ .52 .55 .58 .59 .6_ .68 .71 .75
26 .34 .58 .42 .44 .46 .47 .49 .51 .54 .57 .6_ .63 .6_ .74 .79 .83
27 .33 .37 .4_ .44 .46 .49 .51 .53 .56 .61 .64 .69 .75 .82 .87 .92
28 .34 .37 .41 .45 .4_ .51 .53 .57 .61 .65 .7_ .76 .82 .9_ .96 1.02
29 .35 .__ .42 .46 .5_ .5_ .57 .61 .65 .72 .7_ .84 .91 .98 1.06 1.13
30 .37 .41 .45 .48 .53 .57 .61 .66 .73 .80 .86 .93 1.00 1.08 1.17 1.26
31 .3_ .43 .47 .51 .55 .6_ .6_ .71 .79 .88 .94 1.01 1.10 1.2_ 1.3_ 1.41
32 .39 .44 .49 .53 .5_ .64 .7_ .78 .88 .96 1.03 1.12 1.22 1.33 1.45 1.59
33 .39 .45 .5_ .56 .52 .68 .76 .84 .93 1.03 1.12 1.23 1.35 1.49 1.55 1.79
34 .39 .46 .52 .59 .66 .74 .82 .91 1.00 1.11 1.22 1.35 1.50 1._7 1.82 2.02
35 .39 .47 .54 .62 .7_ .79 .88 .97 1.08 1.2_ 1.33 1.47 1.65 1._5 2.04 2.28
36 .39 .49 .5_ .6_ .77 .87 .97 1.07 1.19 1.31 1.46 1.64 1.84 2.07 2.30 2.56
37 .41 ._2 .63 .74 ._5 .95 1.06 1.18 1.31 1.45 1.62 1.81 2.04 2.50 2.57 2.85
38 .44 .57 .7_ .82 .94 1.05 1.17 1._1 1.44 1.5_ 1.77 1.99 2.25 2.55 2.87 3.20
39 .48 ._3 .77 .91 1._3 1.16 1.29 1.44 1.59 1.74 1.95 2.18 2.47 2._2 3.22 3.59
40 .53 .7_ .86 1.01 1.14 1.27 1.42 1.58 1.74 1.91 2.1_ 2.39 2.71 3.12 3.6_ 4.07
41 .58 .77 .95 1.12 1.26 1.40 1.56 1.73 1.91 2.10 2.3_ 2.66 3.05 3.54 4.12 4.75
42 .__ .85 1.05 1.22 1.39 1.54 1.71 1.89 2.09 2.30 2.6_ 2.98 3.44 4.01 4.72 5.52
43 .__ .92 1.14 1.33 1.51 1.08 1.85 2.05 2.26 2.50 2.86 3.34 3.89 4.56 5.38 6.33
44 .73 .99 1.23 1.45 1.63 1.82 2.01 2.21 2.43 2.73 3.19 3.74 4.40 5.18 6.09 7.21
45 .78 1.07 1.33 1.57 1.77 1.97 2.17 2.38 2.63 2.97 3.53 4.19 4.97 5.84 6.88 8.14
46 ._5 1.16 1.45 1.72 1._3 2.16 2.33 2.62 2.89 3.27 3.91 4._7 5.50 5.52 7.67 9.04
47 .91 1.2_ 1.58 1.__ 2.15 2.38 2.62 2.89 3.22 3._2 4.34 _.17 6.15 7.26 8.56 10.05
48 .97 1.37 1.73 2.07 2.39 2.66 2.93 3.23 3.60 4.02 4.79 5.71 6.81 8.08 9.55 11.22
49 1.04 1.49 1.91 2.29 2.66 2.9_ 3.29 3.62 4.03 4.44 5.23 6.29 7.52 8.97 10.65 12.55
50 1.12 1.63 2.09 2.5_ 2.94 _._1 3.67 4.05 4.4_ 4.89 5.__ 6.92 8.30 9.93 11.85 14.01
51 1.2_ 1.79 2.32 2.79 3.26 _.09 4.1_ 4.5_ 4.92 5.4_ 6.4_ 7.65 9.2_ 11.07 13.27 15.77
_______ FACTORS - FEMALE NON-SMOKER
DUR 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 ULT
--- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----
0 2.32 ___ .32 .25 .20 .1_ .15 .14 .13 .11 .11 .11 .12 .15 .19 .22
1 .53 .33 .25 .20 .18 .16 .14 .13 .12 .11 .11 .12 .15 .19 .24 .30
2 ._4 .26 .21 .18 .16 .14 .13 .12 .11 .11 .12 .15 .19 .24 .30 .35
3 .2_ .21 .1_ .16 .15 .1_ .12 .11 .11 .12 .12 .19 .25 .30 .35 .40
4 .21 .10 .1_ .15 .13 .12 .12 .11 .12 .15 .1_ .25 .30 .36 .40 .43
5 .19 .17 .15 .13 .12 .12 .12 .12 .16 .19 .25 .__ .38 .40 .43 .44
6 .17 .15 .14 .12 .12 .12 .12 .16 .20 .25 .31 .36 .40 .44 .44 .39
7 .1_ .14 .12 .12 .12 .13 .1_ .20 .25 .31 .3_ .41 .44 .45 .42 .3_
8 .14 .13 .12 .12 .13 .16 .21 .26 .31 .36 .41 .44 .45 .44 .40 .37
9 .15 .12 .12 .13 .16 .20 .26 .31 .37 .41 .44 .45 .46 .43 .39 .37
10 .12 .12 .13 .16 .20 .26 .31 .37 .41 .44 .45 .48 .45 .42 .39 .36
11 .12 .13 .17 .20 .26 .31 .37 .41 .45 .46 .51 .47 .44 .41 .38 .35
12 .13 .17 .20 .26 .32 .37 .42 .45 .46 .53 .49 .46 .43 .40 .37 .34
13 .17 .21 .26 .32 .37 .42 .45 .46 .53 .52 .48 .45 .42 .39 .36 .35
14 .21 .27 .32 .37 .42 .45 .46 .53 .52 .50 .47 .44 .41 .38 .37 .36
15 .26 .32 .37 .41 .44 .46 .54 .52 .51 .49 .4_ .44 .40 .59 .38 .37
16 .33 .__ .40 .43 .45 .53 .52 .51 .50 .49 .4_ .42 .41 .40 .39 .38
17 .3_ .41 .42 .44 .52 .51 .50 .49 .48 .47 .44 .44 .42 .41 .40 .38
18 .39 .41 .43 .49 .50 .49 .48 .47 .47 .46 .43 .43 .43 .42 .40 .38
19 .3_ .41 .46 .47 .47 .45 .45 .44 .44 .45 .42 .43 .43 .42 .40 .38
20 .3_ .42 .44 .44 .44 .42 .42 .42 .42 .43 .41 .42 .42 .42 .40 .39
21 .3_ .40 .42 .41 .40 .38 .39 .40 .41 .42 .41 .42 .42 .42 .41 .40
22 .33 .37 .40 .59 .38 .37 .38 .38 .39 .41 .41 .41 .42 .42 .43 .42
23 .32 ._6 3_ .58 .37 .37 .37 .38 .39 .41 .42 .42 .43 .44 .45 .47
24 .30 .34 .36 .57 .37 .36 .37 .38 .40 .42 .43 .43 .45 .47 .49 .51
25 .29 .32 .35 .36 .37 .37 .37 .39 .41 .43 .45 .46 .49 .52 .54 .57
26 .28 .31 .34 .36 .38 .38 .40 .41 .43 .46 .48 .51 .54 .58 .61 .63
27 .29 .31 .34 .37 .39 .41 .42 .44 .47 .51 .53 .56 .60 .64 .68 .69
28 .30 .33 .36 .39 .41 .44 .48 .49 .52 .56 .59 .63 .67 .71 .74 .77
29 .32 .3_ .38 .41 .44 .47 .50 .54 .58 .64 .67 .71 .75 .79 .82 .86
30 .34 .__ .41 .44 .48 .52 .55 .60 .66 .73 .7_ .80 .83 .8_ .91 .95
31 .35 .5_ .43 .47 .51 .55 .59 .65 .72 .79 .83 .87 .92 .97 1.01 1.06
32 .36 .41 .45 .49 .53 .58 .64 .70 .78 .85 .91 .96 1.01 1.07 1.13 1.20
33 .36 .41 .46 .51 .58 .62 .69 .76 .84 .93 .99 1.05 1.12 1.19 1.27 1.34
34 .36 .42 .43 .54 .60 .67 .74 .82 .91 1.00 1.07 1.15 1.24 1.33 1.41 1.51
35 .36 .4_ .49 .57 .64 .72 .80 .88 .98 1.08 1.16 1.25 1.36 1.47 1.57 1.70
36 .35 .44 .52 .__ .69 .77 .85 .94 1.04 1.15 1.24 1.35 1.48 1.61 1.74 1.88
37 .36 .45 .54 .64 .73 .82 .91 1.01 1.12 1.23 1.34 1.45 1.6_ 1.75 1.91 2.05
38 .37 .48 .5_ .69 .78 .87 .97 1.08 1.19 1.31 1.42 1.56 1.71 1.90 2.08 2.26
39 .39 .51 .63 .73 ._3 .93 1.04 1.15 1.27 1.39 1.51 1.66 1.84 2.05 2.29 2.49
40 .42 .55 .67 .79 .89 .99 1.10 1.22 1.34 1.47 1.61 1.77 1.96 2.22 2.51 2.78
41 .4_ .__ .73 .66 .96 1.07 1.19 1.31 1.45 1.59 1.74 1.91 2.14 2.43 2.77 3.12
42 .40 .68 .79 .92 1.04 1.15 1.27 1.41 1.55 1.70 1.88 2.09 2.35 2.67 3.00 3.50
43 .50 .58 .84 .98 1.11 1.23 1.36 1.50 1.65 1.82 2.03 2.28 2.58 2.94 3.39 3.88
44 .53 .72 .89 1.05 1.18 1.31 1.44 1.58 1.73 1.94 2.19 2.49 2.84 2.25 3.71 4.28
45 .56 .76 .94 1.11 1.25 1.38 1.52 1.67 1.83 2.07 2.37 2.72 3.12 3.55 4.07 4.60
46 .59 .80 1.3_ 1.19 1.34 1.49 1.63 1.79 1.97 2.23 2.58 2.98 3.43 3.93 4.51 5.19
47 .62 .85 1.07 1.27 1.45 1.60 1.78 1.93 2.15 2.41 2.81 3.25 3.77 4.35 5.01 5.77
48 .65 .91 1.15 1.37 1.57 1.75 1.94 2.11 2.35 2.51 3.03 3.54 4.13 4.00 5.57 6.43
49 .68 .97 1.23 1.48 1.71 1.91 2.10 2.31 2.58 2.82 3.23 3.84 4.51 5.29 6.19 7.19
50 .71 1.03 1.32 1._9 1.85 2.08 2.30 2.52 2.77 3.04 3.54 4.16 4.02 5.31 6.85 8.02
51 .76 1.14 1.4_ 1.7_ 2.05 2.31 2.58 2.81 3.06 3.35 3.90 4.58 5.41 6.42 7.59 8.90
52 1.__ _._7 2.__ _.__ _.__ _.__ _.__ _.__ 5._9 _.__ 7._4 _.__ 10.19 12.__ 14._1 17.__
53 1.__ 2.14 2.79 _.__ _.__ _.__ _.__ _._4 5._6 _.__ 7.71 9.29 11.2_ __._2 1_.4_ __.__
54 1.__ _.__ 3.__ _.__ _.__ _.__ _.__ _.7_ 6.33 7.__ 8.42 1_.21 12.4_ 1_._4 18.__ 22.16
55 1._2 2.54 3.3_ _.__ 4.__ _.__ _.__ 6.13 6.82 7.57 9.1_ 11.2_ 13._4 1_.__ __.44 24.__
56 1.7_ _.__ 2._4 _.__ 4.9_ _.__ _.__ 6._4 7.40 _.27 1_.0_ 1_.29 __.__ 1_.3_ _2.53 _7.29
57 1.9_ _.11 4.__ _.7S 5.__ _.__ _.__ 7.23 8.13 9.05 11.02 __.__ 16.__ 20.30 24.89 __.__
58 2.21 _.4_ 4.51 _.__ 5.__ _.__ _.__ 7.93 8.7_ 9.91 12.13 __.__ 18.31 __.45 27.56 33.30
59 2.43 3.91 5.06 _.9_ 6.65 7.__ 8.__ 8.75 9.62 10.93 13.3_ 1_.42 20.21 24.85 30.3_ 3_._4
60 2.79 4.40 _.67 _.63 7.44 _.17 8.9_ 9.67 10.6_ 12.07 14.72 1_._9 22.30 27.33 33.40 4_.__
61 3.14 4.90 6._0 7.__ 8.__ 9.1_ 9.82 10._8 11.76 1_.28 16.17 19.86 24.4_ 29.9_ 36.66 44.39
62 3.53 _.__ 6.9_ _.14 9.11 9.96 10.84 11.78 12.98 14.64 17.79 21.73 26.73 32.__ 4_.22 4_.81
63 _.__ _.__ 7.67 _._7 9.__ 10.91 11.87 12.9_ 14.27 16.12 19.47 2_.77 29.27 36._5 44.10 53.69
64 4.47 6.75 _.5_ 9.84 10.91 11.91 12.95 14.1_ 15.66 17.64 21.2_ 2_._1 32.__ 3_.49 4_.28 58.92
65 5.03 7.51 9.3_ 10.76 11.91 12.99 14.14 15.50 17.20 19.40 23.38 2_._4 35.14 4_.26 52.83 64.36
66 5.62 _.24 10.22 11.67 12.95 14.17 15.49 17.03 18.98 21.4_ 25._4 31.54 38.81 47.73 __.29 70.69
67 6.28 8S91 10.97 12._0 14._9 15._4 17.08 1_.91 21.20 23.96 28.81 35.05 42.97 52.69 64.25 77.66
68 6.99 9.53 11.67 13.55 15.35 17.12 19.03 21.28 23.96 27.05 32.40 _9.16 47.69 5_.16 70.75 __.19
69 7.78 10.16 12.37 14.53 16.70 1_.94 21.__ 24.15 27.29 30.75 _6.6_ 43.89 52.__ 64.16 77.79 93.81
70 8.62 10.77 13.0_ 15.50 18.16 21.01 24.11 27._0 31.17 35.03 41.47 49.23 _8.8_ 70.59 85.39 103.39
71 _.4_ 11.81 14.31 16.99 19.90 23.02 26.42 30.14 34.16 3_._9 45.39 53.82 64.2_ 77.15 93.11 112.67
72 10.35 12.94 15.6_ 18.61 21.81 2_.23 28.95 33.02 37.43 42.06 49.68 58.85 70.22 84.21 101.5_ 122._0
73 11.33 14.16 17.16 20._7 __.__ 27.60 31.67 36.13 40.95 46.02 54.30 64.25 76.60 91.78 110.60 134.65
74 12.19 15.24 18.47 21.92 25.69 29.71 34.__ 38.89 44.08 49.54 58.38 69.02 82.21 98.42 119.35 14_.29
75 12.89 16.11 19.52 2_.18 27.15 31.41 36.03 41.11 46.60 52.37 _1.65 72.81 86.64 104.34 126.05 153.95
76 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 16_.__
77 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 168.13
78 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 177.__
79 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 192.55
80 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
81 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
82 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
83 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
84 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
85 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
52 ._2 _.__ 1.61 1.9_ 2.2_ 2._5 2.__ _._8 3.__ _.__ _.__ _.__ _.__ _.__ _.__ _.__
53 .__ 1.__ 1.77 2.12 2.46 2.76 _.__ _.34 _.6_ _.__ 4.68 _.__ 6.52 7.75 9.20 10._4
54 .9_ 1.48 1.92 _.__ 2.__ 2.96 3.27 _.__ 3.95 4.36 _.__ 6.02 7.14 _.__ 10.07 11.85
55 1.03 1.62 2.10 2.__ 2.__ _.17 3.4_ 3.84 4.2_ 4.72 5.54 6.57 7.81 9.27 11.02 12.93
56 1.14 1.78 2.31 2.74 3.12 3.44 3.7_ 4.16 4.6_ 5.16 6.07 7.20 8.55 10.13 12.04 14.16
57 1.2_ 1.98 2.56 3.02 3.41 _.__ 4.12 _.__ 5.02 _.64 6.6_ 7.90 9.36 11.09 13.1_ 16.57
58 1.41 2.21 2.86 _._6 3.76 4.14 4.54 4.97 5.47 6.18 7.28 _.65 10.26 12.17 14.47 17.20
59 1.5_ 2.49 3.21 3.75 4.2_ 4._1 5.03 5.48 6.01 6.78 7.98 9.46 11.24 1_.36 1_.00 19.02
60 1.78 2.80 3.60 4.19 4.70 5.14 5.59 6.06 6.63 7.45 8.74 10._6 12.32 14.78 17.72 21.06
61 2.00 3.11 3.99 4.65 5.21 5.69 6.16 6.66 7.28 8.15 9.59 11.39 13.71 16.54 19.92 23.80
62 2.25 3.44 4.40 5.14 5.74 _.26 6.77 7.31 7.99 8.94 10.53 12.61 15.26 18.51 22.37 26._8
63 2.53 3.82 4.85 5.66 6.23 6.83 7.38 7.98 8.74 9.78 11.61 13.97 16.98 20.70 25.09 30.12
64 2.84 4._7 5.37 6.2_ 6.84 7.43 8.02 6.69 9.55 10.75 12.80 15.47 18.89 23.11 27.90 33.65
65 3.1_ 4.75 _.92 6.76 7.44 _.07 8.73 9.49 10.52 11.87 14.17 17.17 21.03 25.63 30.99 37.40
66 3.56 5.21 6.44 7._2 8.07 8.78 9.52 10.45 11.64 13.16 15.81 19.26 23.54 28.77 34.93 42.12
67 3.97 5.63 6.90 7.88 8.76 9.59 10.52 11.64 13.04 14.76 17.79 21.58 26.40 32.29 39.29 47.37
68 4.42 6.01 7.32 8.46 9.52 10.5_ 11.7_ 13.13 14.79 16.72 20.03 24.32 29.67 36.22 44.10 53.13
69 4.91 6.39 7.75 9.04 10.37 11.73 13.23 14.94 16.90 19.00 22.79 27.48 33.35 40.57 49.38 59.76
70 5.44 6.77 8.16 _._6 11.29 13.04 14.95 17.06 19.29 21.62 25.90 31.06 37.46 45.36 55.16 67.20
71 5.9_ 7.40 8.93 10._7 12.3_ 14.28 16.39 18.65 21.08 23.63 28.49 34.35 41.63 50.61 61.79 75.53
72 6.50 _.__ 9.77 11.57 13.54 15.65 17.91 20.38 23.04 25.83 31.33 37.98 46.24 56.45 69.17 84.83
73 7.10 8._4 10.6_ 12.65 14.81 17.08 19.55 22.24 25.15 28.19 34.40 41.91 51.26 62.82 77.24 95.74
74 7.62 9.50 11.48 1_.__ 15.90 18.34 20.99 23.89 27.01 30.27 37.16 45.50 55.89 68.75 85.41 106.22
75 8.04 10.02 12.12 14.35 16.77 19.34 22.14 25.19 28.48 31.93 39.41 48.50 59.81 74.33 92.68 115.63
76 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 120.74
77 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 126.11
78 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 133.31
79 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 144.25
80 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
81 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
82 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
83 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
84 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
85 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
___ R FACTORS - MALE SMOKER
DUR 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 ULT
--- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- ----- ----- ----- ----- ----- -----
0 .23 .73 .4_ .35 .28 .25 .21 .20 .18 .16 .__ .21 .2_ .35 .47 .65
1 .78 .48 .37 .3_ .26 .23 .21 .19 .17 .17 .__ .23 .32 .43 .60 .78
2 .51 .39 .31 .28 .24 .22 .20 .18 .18 .1_ .22 .30 .4_ .56 .7_ .91
3 .41 .33 .29 .25 .23 .21 .19 .19 .19 .20 .28 .38 .5_ .68 .85 1.02
4 .35 .31 .27 .24 .22 .20 .19 .20 .21 .27 .36 .50 .64 .80 .9_ 1.10
5 .3_ .28 .2_ .23 .21 .20 .20 .22 .28 .35 .48 .61 .76 .91 1.04 1.12
6 .30 .27 .24 .22 .21 .21 .23 .29 .36 .46 .59 .73 .87 .99 1.0_ 1.01
7 .28 .25 .23 .2_ .22 .24 .30 .37 .48 .58 .71 .84 .95 1.02 1.03 .99
8 .__ .24 .23 .23 .2_ .31 .39 .50 .60 .70 .82 .93 .99 1.04 1.00 .97
9 .25 .24 .24 .29 .32 .40 .51 .62 .73 .82 .92 .97 1.05 1.01 .98 .96
10 .25 .25 .20 .33 .41 .53 .64 .75 .84 .92 .96 1.06 1.03 1.00 .98 .95
11 .25 .27 .34 .42 .54 .65 .76 .85 .93 .95 1.0_ 1.04 1.01 .99 .9_ .94
12 .27 ._4 .42 .54 .66 .77 .85 .94 .96 1.09 1.05 1.02 1.__ .97 .95 .91
13 .35 .__ ._5 .66 .76 .87 .95 .97 1.09 1.06 1.03 1.01 .9_ .96 .92 .94
14 .43 .__ .67 .79 .__ .96 .98 1.09 1.06 1.04 1.02 .99 .97 .93 .95 .95
15 .55 .57 .78 .87 .94 .98 1.09 1.06 1.04 1.02 1.00 .98 .94 .96 .97 .98
16 .__ .75 .81 .86 .92 1.07 1.07 1.05 1.03 1.02 .98 .96 .97 .98 .99 1.00
17 .71 .77 .80 .83 1.0_ 1.04 1.0_ 1.02 1.01 1.00 .97 .99 .99 1.01 1.01 .99
18 .__ .73 .76 .99 1.02 .99 .98 .98 .98 .98 .94 .97 1.00 1.01 1.01 .98
19 .63 .__ .95 .95 .95 .92 .92 .92 .93 .94 .91 .96 .99 1.01 1.00 .98
20 .__ .__ .88 .89 .89 .85 .87 .87 .88 .91 .89 .95 .97 1.00 1.00 .99
21 .71 .80 .8_ .83 .82 .78 .81 .82 .85 .88 .89 .93 .96 .99 1.02 1.02
22 .__ .75 .80 .79 .78 .76 .78 .79 .82 .86 .89 .91 .96 1.00 1.05 1.07
23 .64 .71 .77 .77 .77 .75 .76 .78 .81 .86 .89 .92 .98 1.04 1.08 1.18
24 .60 ._7 .7_ .75 .7_ .75 .76 .78 .82 .87 .92 .95 1.03 1.10 1.19 1.30
25 .57 ._3 .70 .73 .7_ .75 .77 .80 .84 .89 .95 1.01 1.10 1.22 1.32 1.45
26 .54 ._1 .67 .70 .74 .76 .79 .82 .86 .92 1.00 1.08 1.2_ 1.34 1.48 1.61
27 .54 .__ .65 .70 .75 .78 .82 .86 .91 .98 1.06 1.18 1.33 1.49 1.65 1.79
28 .55 .__ .66 .72 .77 .82 .86 .91 .98 1.05 1.17 1.30 1.46 1.65 1.82 2.01
29 .57 .62 .65 .74 .81 .8_ .92 .98 1.05 1.17 1.30 1.44 1.61 1.81 2.02 2.25
30 .60 .66 .72 .78 .85 .92 .93 1.06 1.17 1.29 1.44 1.60 1.78 2.01 2.25 2.53
31 .63 .70 .77 .84 .91 .99 1.07 1.17 1.31 1.44 1.60 1.77 1.98 2.24 2.50 2.82
32 .66 .74 .82 .89 .98 1.07 1.13 1.30 1.45 1.__ 1.77 1.98 2.22 2.50 2.80 3.16
33 .67 .77 .86 .96 1.06 1.17 1.30 1.44 1.59 1.77 1.97 2.20 2.48 2.80 3.1_ 3.53
34 .__ .80 .91 1.02 1.16 1.29 1.43 1.59 1.7_ 1.95 2.18 2.45 2.78 3.15 3.52 3.97
35 .69 .83 .96 1.12 1.2_ 1.42 1.57 1.74 1.94 2.14 2.41 2.72 3.10 3.51 3.93 4.46
36 .71 .89 1.05 1.23 1.40 1.57 1.76 1.95 2.1_ 2.38 2.68 3.03 3.44 3.90 4.38 4.93
37 .7_ .__ 1.16 1.37 1.57 1.76 1.96 2.18 2.41 2.66 2.99 3.36 3.80 4.32 4._5 5.39
38 .85 1.0_ 1.30 1.63 1.75 1.96 2.19 2.44 2.69 2.97 3.31 3.71 4.18 4.75 5.35 5.95
39 .91 1.2_ 1.46 1.72 1.95 2.1_ 2.44 2.72 3.01 3.30 3.66 4.08 4.60 5.21 5.93 6.58
40 1.01 1.34 1.64 1.93 2.18 2.44 2.72 3.03 3.34 3.67 4.04 4.49 5.04 5.74 6.56 7._3
41 1.12 1.49 1.84 2.16 2.44 2.72 3.02 3.34 3.70 4.06 4.47 4.95 5.58 6.35 7.28 8.24
42 1.23 1.__ 2.04 2.39 2.71 3.01 3.33 3.69 4.08 4.49 4.94 5.51 6.19 7.05 8.09 9.25
43 1.34 1._1 2.25 2.63 2.98 3.31 3.65 4.04 4.45 4.93 5.48 6.13 6.90 7.84 8.93 10.25
44 1.45 1.97 2.45 2.88 3.25 3.61 3.99 4.39 4.83 5.42 6.07 6.82 7.69 8.73 9.88 11.30
45 1.57 2.14 2.67 3.15 3.55 3.94 4.35 4.78 5.26 5.95 6.71 7.58 8.57 9.04 10.89 12.37
46 1.09 2.31 2.89 3.42 3.__ 4.31 4.74 5.22 5.76 6.52 7.38 8.35 9.41 10.56 11.87 13.40
47 1.81 2.50 3.14 3.74 4.27 4.73 5.21 5.74 6.38 7.19 8.1_ 9.14 10.29 11.55 12.96 14.53
48 1.93 2.71 3.43 4.12 4.72 5.26 5.79 6.38 7.12 7.94 8.8_ 9.97 11.23 12.61 14.1_ 15.__
49 2.06 2.94 3.75 4.50 5.23 5.85 6.47 7.13 7.92 5.74 9.70 10.86 12.22 13.75 15.45 17.27
50 2.19 3.20 4.10 4.95 5.76 6.49 7.20 7.93 8.72 9.59 10.57 11.30 13.28 14.95 16.83 18._2
51 2.31 3.45 4.46 5.38 6.27 7.1_ 7.89 8.66 9.48 10.40 11.46 12.79 14.41 16.30 1_.42 20.70
52 2.4_ _.__ 4.92 _.__ 6.77 6.67 8.51 9._4 10.21 11.__ 12.37 13.63 13.6_ 17.73 20.11 22.65
53 2.5_ _.__ 5.19 _.__ 7.25 _.17 9.04 9.94 10.91 12.__ 13.31 __.__ 16.9_ 19.21 21.86 24.90
54 2.7_ 4.27 5.55 _.67 7.75 _.61 9.54 10._0 11.59 12.81 14.27 16._9 18.26 20.76 23._4 27.17
55 2.92 4.57 5.95 7.1_ 8.1_ 9.08 10.01 11.04 12.28 13.63 15.27 17.32 19.69 22.58 26.00 29.59
56 3.1_ 4._7 6.33 7.53 _.__ 9.50 10.47 11.55 12.37 14.38 16.22 18.45 21.15 24.23 28.02 32.07
57 3.33 5.22 6.78 _.__ 9.__ 10.02 11.__ 12.15 13.50 15.2_ 17.22 19.77 22.73 26.16 30.27 34.87
58 3.59 5.65 7.32 8.62 _.__ 10._9 11.74 12.38 14.22 16.10 18.36 21.17 24.43 28.23 32.77 37.53
59 3.__ 5.14 7.94 9._1 10.44 11.50 12.58 13.74 15.11 17.16 19.63 22.65 26.26 30.50 35.25 40.42
60 4.24 6.68 8.82 10._7 11.31 12.41 13.52 14.69 16.19 18.33 20.98 24._6 28.24 32.74 37.95 43.__
61 4.65 7.26 9.34 10.91 12.24 13.40 14.56 15.83 17.43 19.68 22.52 26.09 30.30 35.28 40.98 47.22
62 5.11 7.84 10.04 11.77 13.17 14.40 15.67 17.03 18.76 21.17 24.23 27.95 32.56 38.02 44.23 51.13
63 5.61 8.51 10.82 12.65 14.03 13.4_ 16.74 18.23 20.13 22.73 25.92 29.95 34.95 40.95 47.69 55.38
64 6.16 9.29 11.70 13._4 15.02 16.39 17.83 19.45 21.56 24.29 27.72 32.10 37.58 44.06 51.36 59.84
65 6.76 10.09 12.60 14.45 16.00 17.46 19.00 20.83 23.11 26.08 29.77 34.50 40.41 47.41 55.27 64.36
66 7.38 10.83 13.42 15.33 17._1 18.62 20.35 22.37 24.94 28.18 32.19 37.33 43.73 51.31 59.87 69.49
67 8.06 11.45 14.09 16.18 18.10 19.96 21.93 24.29 27.22 30.76 35.11 40.62 47.46 55.56 64.82 75.05
68 8.78 11.97 14.65 17.61 19.27 21.49 23.90 2_.72 30.08 33.96 38.63 44.44 51.63 60.19 70.11 80.97
69 9.54 12.47 15.16 17.83 20.50 25.25 26.25 29.65 33.50 37.74 42.73 48.79 56.24 65.16 75.74 87.71
70 10.35 12.93 15.67 13.61 21.80 25.22 28.93 33.01 37.41 42.04 47.35 53.60 61.25 70.48 81.70 95.12
71 11.10 13.8_ 16.82 19.96 23.39 27.05 31.04 35.42 40.14 45.11 50.79 57.47 65.64 75.51 87.50 101.83
72 11.91 14.89 18.04 21.42 25.10 29.03 33.31 38.00 43.07 48.41 54.47 61.62 70.35 80.90 93.71 109.01
73 12.76 15.95 19.33 22.95 26.89 31.10 35.68 40.71 46.14 51.85 58.33 65.95 75.27 86.51 100.16 117.37
74 13.4_ 16._2 20.37 24.18 28.34 32.78 37.61 42.90 48.63 54.65 61.45 69.45 79.23 91.03 106.10 124.33
75 13.92 17.40 21.08 25.03 29.33 33.92 38.92 44.40 50.33 56.56 63.56 71.81 81.89 94.66 110.35 129.31
76 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 160.80
77 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 168.13
78 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 177.85
79 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 192.55
80 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
81 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
82 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
83 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
84 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
85 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
984 P FACTORS - FEMALE SMOKER
UR 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 ULT
-- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------
0 2.32 .52 .33 .25 .20 .1_ .15 .14 .13 .11 .11 .11 .12 .15 .19 .24
1 .53 .33 .25 .20 .18 .16 .14 .13 .12 .11 .11 .12 .15 .19 .24 .__
2 .34 .26 .21 .18 .16 .14 .13 .12 .11 .11 .12 .15 .1_ .24 .30 .35
3 .2_ .21 .19 .16 .15 .13 .12 .11 .11 .12 .15 .19 .25 .30 .35 .40
4 .21 .1_ .16 .15 .13 .12 .12 .11 .12 .15 .19 .25 .3_ .36 .40 .43
5 .19 .17 .15 .13 .12 .12 .12 .12 .16 .19 .25 .30 .3_ .40 .43 .44
6 .17 .15 .14 .12 .12 .12 .12 .16 .20 .25 .31 .36 .4_ .44 .44 .76
7 .16 .14 .12 .12 .12 .13 .16 .20 .25 .31 .36 .41 .44 .45 .77 .74
8 .14 .13 .12 .12 .13 .16 .20 .26 .31 .36 .41 .44 .45 .79 .75 .72
9 .13 .12 .12 .13 .16 .20 .26 .31 .37 .41 .44 .45 .80 .76 .73 .71
10 .12 .12 .13 .16 .2_ .26 .31 .37 .41 .44 .45 ._2 .78 .75 .72 .69
11 .12 .13 .17 .20 .26 .31 .37 .41 .45 .46 .83 .79 .7_ .73 .70 .68
12 .13 .17 .20 .26 .32 .37 .42 .45 .46 ._5 .81 .78 .75 .72 .69 .65
13 .17 ._1 .28 .32 .37 .42 .45 .46 .85 .82 .79 .76 .73 .71 .67 .67
14 .21 .27 .32 .37 .42 .45 .46 .85 .8_ .81 .78 .75 .72 .__ .69 .69
15 .26 .32 .37 .41 .44 .46 .86 .83 .81 .79 .76 .74 .70 .70 .70 .71
16 .33 ._8 .40 .43 .45 .85 .84 .81 .79 .78 .74 .71 .72 .72 .72 .73
17 .3_ .41 .42 .44 .83 .82 .80 .79 .77 .76 .73 .74 .74 .74 .74 .73
18 .39 .41 .43 .79 .81 .78 .77 .76 .7_ .74 .71 .73 .74 .75 .75 .72
19 .38 .41 .74 .75 .75 .73 .72 .71 .71 .71 .69 .72 .74 .75 .74 .73
20 .36 .68 .70 .71 .70 .66 .67 .67 .68 .69 .68 .71 .73 .75 .75 .74
21 .57 .64 .66 .66 .6_ .61 .63 .63 .65 .67 .68 .70 .73 .74 .77 .77
22 .53 .60 .63 .63 .62 .60 .60 .61 .63 .66 .68 .70 .73 .76 .79 .81
23 .51 .57 .61 .61 .60 .58 .59 .60 .63 .66 .68 .71 .75 .79 .83 .89
24 .48 .54 .5_ .59 .59 .58 .59 .61 .63 .67 .71 .73 .79 .84 .91 .99
25 .46 .51 .5_ .57 .59 .59 .60 .62 .65 .69 .74 .78 .85 .93 1.01 1.10
26 .45 .50 .55 .57 .60 .61 .63 .66 .69 .74 .79 .85 .94 1.04 1.13 1.22
27 .46 .5_ .55 .59 .52 .65 .68 .71 .75 .81 .87 .95 1.05 1.17 1.27 1.35
28 .48 .52 .57 .62 .66 .70 .73 .78 .83 .90 .97 1.07 1.17 1.30 1.40 1.52
29 .51 .55 .60 .66 .71 .75 .80 .86 .92 1.02 1.11 1.20 1.31 1.44 1.56 1.70
30 .55 .6_ .6_ .71 .77 .83 .89 .96 1.05 1.16 1.28 1.36 1.47 1.61 1.7_ 1.90
31 .5_ .65 .70 .76 .83 .90 .97 1.06 1.18 1.30 1.40 1.51 1.64 1.79 1.94 2.12
32 .61 .68 .7_ .82 .89 .97 1.07 1.18 1.31 1.44 1.55 1.68 1.83 1.99 2.17 2.37
33 .62 .71 .79 .87 .97 1.07 1.19 1.30 1.44 1.60 1.73 1.87 2.04 2.24 2.44 2._5
34 .63 .73 .83 .94 1.06 1.18 1.31 1.44 1.59 1.76 1.91 2.08 2.29 2.51 2.72 2.97
35 .64 .77 .89 1.02 1.1_ 1.29 1.43 1.58 1.76 1.94 2.11 2.31 2.55 2.80 3.03 3.33
36 .64 .79 .94 1.09 1.2_ 1.39 1.55 1.72 1.90 2.09 2.29 2.51 2.76 3.04 3.31 3.62
37 .66 .83 1.00 1.18 1.3_ 1.51 1.68 1.86 2.06 2.26 2.47 2.70 2.98 3.29 3.60 3.89
38 .7_ .89 1.09 1.28 1.46 1.63 1.82 2.02 2.22 2.45 2.66 2.90 3.20 3.54 3.89 4.21
39 .74 .97 1.19 1.39 1.53 1.77 1.95 2.18 2.41 2._3 2.85 3.11 3.42 3.79 4.22 4.57
40 .8_ 1.03 1.29 1.51 1.71 1.90 2.11 2.35 2.58 2.83 3.05 3.32 3.65 4.08 4.56 5.00
41 .87 1.15 1.42 1.__ 1.87 2.07 2.30 2.54 2.80 3.07 3.30 3.58 3.94 4.39 4.92 5.44
42 .93 1.25 1.54 1.80 2.03 2.25 2.48 2.74 3.03 3.32 3.57 3.89 4.2_ 4.74 5.30 5.91
43 .99 1.34 1.66 1.94 2.19 2.42 2.67 2.94 3.23 3.58 3.87 4.22 4.63 5.12 5.70 6.33
44 1.05 1.43 1.77 2.08 2.34 2.59 2.85 3.14 3.44 3.85 4.19 4.58 5.02 5.53 6.08 6.74
45 1.12 1._2 1.89 2.22 2.50 2.77 3.05 3.34 3.67 4.14 4.53 4.96 5.44 5.93 6.48 7.12
46 1.18 1.60 2.00 2.36 2.67 2.96 3.25 3.57 3.93 4.44 4.89 5.38 5.90 6.44 7.03 7.70
47 1.23 1.70 2.12 2.52 2.83 3.1_ 3.49 3.84 4.26 4.78 5.23 5.80 6.38 6.98 7.64 8.34
48 1.2_ 1.80 2.27 2.70 3.11 3.45 3.79 4.17 4.64 5.16 5.66 6.23 6.87 7.56 8.30 9.08
49 1.34 1.91 2.43 2.91 3.37 3.76 4.14 4.55 5.05 5.55 6.07 6.67 7.39 8.17 9.02 9.90
50 1.39 2.03 2.59 3.12 3.62 4.07 4.50 4.95 5.43 5.95 6.4_ 7.14 7.92 8.80 9.77 10.73
51 1.47 2.19 2.82 3.39 3.95 4.46 4.94 5.41 5.9_ 6.46 7.01 7.71 8.55 9.52 10.59 11.70
52 _.__ _.__ _.__ _.__ _.__ _.__ _.__ _.__ _.__ _.__ _.__ _.__ __.__ __.__ __.__ __.___
53 _.__ _.__ 3.29 _.__ _.__ 5.13 5.67 5.22 6.51 _.__ _.__ _.__ __.__ 11._4 12.30 __.___
54 1.7_ 2.71 3.52 4.2_ _.__ 5.42 5.93 _.__ 7.23 _.__ _.__ __.__ __.__ 11._4 13.__ __.___
55 _.__ 2.91 3.77 4.5_ 5.15 5.71 _.__ 6.92 7.67 _.__ 9.30 10.29 11.42 __.__ 14.12 15.51
56 1.9_ 3.1_ 4._2 4.77 5.42 _.__ _.__ 7.24 8.04 8.97 9.87 10.96 12.13 13.53 15.09 16.65
57 2.12 3.32 4.3_ _.__ 5.72 _.__ 6.93 _.__ 8.43 9.48 10.43 11._7 12.99 14.46 16.15 17.92
58 2.29 3.59 4.64 5.4_ 6.11 6.73 7.37 8.07 8.89 10.03 11.12 12.42 13.87 15.4_ 17.32 19.38
59 2.48 3.91 5.84 5.89 6._9 7.24 7.90 8.61 9.44 10.65 11.81 13.21 14.80 16.59 18.73 20.99
60 2.71 4.25 5.47 6.37 7.14 7.81 8.49 9.21 10.08 11.32 12.56 14.05 15.80 17.90 20.27 22.75
61 2.96 4.62 5.92 6.90 7.72 8.43 9.13 9.87 10.79 12.09 13.44 15.10 17.20 19.64 22.37 25.29
62 3.25 4.93 6.3_ 7.44 8.30 9.05 9.79 10.57 11.50 12.93 14.42 16.35 18.74 21.54 24.68 28.11
63 3.57 5.40 6.84 7.9_ 8.86 9.64 10.42 11.27 12.34 13.81 15.53 17.71 20.42 23.62 27.20 31.01
64 3.91 5._8 7.39 8.53 9.42 10.23 11.05 11.97 13.15 14.80 16.72 19.18 22.25 __.__ 29.73 34.14
65 4.29 6.38 7.95 _.__ 10.01 10.85 11.73 12.75 14.13 15.95 18.08 20.83 24.28 28.17 32.48 37.40
66 4.6_ 6.84 8.46 9.61 10.61 11.53 12.51 13.73 15.30 17.30 19.71 22.82 26.56 30.95 35.86 41.34
67 5.10 7.23 8.86 10.12 11.25 12.32 13.51 14.95 16.75 18.95 21.67 25.00 29.13 34.01 39.56 45._8
68 5.53 7.54 9.19 10.62 11.95 13.29 14.75 16.49 18.57 21.00 23.91 27.54 32.03 37.38 43.59 50.39
69 6.03 7.85 9.51 11.10 12.72 14.40 16.24 18.34 20.75 23.32 26.53 30.44 35.26 41.06 47.95 55.79
70 6.53 8.13 9.80 11.59 13.54 15.64 17.94 20.47 23.15 25.95 29.49 33.68 38.82 45.05 52.67 61.82
71 6.99 8.70 10.50 12.42 14.53 16.79 19.25 21.92 24.78 27.78 31.73 36.42 42.19 49.20 57.77 68.12
72 7.49 9.32 11.25 13.32 15.58 18.02 20.62 23.46 26.53 29.74 34.15 39.40 45.86 53.73 63.39 75.06
73 8.00 9.96 12.04 14.26 16.69 19.25 22.03 25.07 28.35 31.77 36.69 42.55 49.78 56.59 69.43 83.19
74 8.41 10.48 12.66 15.01 17.54 20.24 23.15 26.36 29.80 33.41 38.79 43.22 53.16 62.87 75.35 90.72
75 8.68 10.82 13.08 15.49 18.11 20.89 23.91 27.21 30.76 34.48 40.27 47.20 55.75 66.63 80.31 97.13
76 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 120.74
77 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 126.11
78 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 133.31
79 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 144.25
80 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
81 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
82 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
83 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
84 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
85 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
____ R FACTORS - MALE PREFERRED NON-SMOKER
DUR 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 ULT
--- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------
0 3.25 .73 .46 .35 .28 .25 .21 .20 .18 .16 .18 .21 .25 .35 .47 .65
1 .78 .48 .37 .30 .26 .23 .21 .19 .17 .17 .19 .23 .32 .43 .60 .78
2 .51 .39 .31 .28 .24 .22 .20 .18 .18 .18 .22 .30 .40 .56 .73 .91
3 .41 .33 .29 .25 .23 .21 .19 .19 .19 .20 .28 .38 .53 .68 .85 1.02
4 .35 .31 .27 .24 .22 .20 .19 .20 .21 .27 .36 ._0 .64 .80 .96 1.10
5 .33 .28 .26 .23 .21 .20 .20 .22 .28 .35 .48 .61 .76 .91 1.04 1.12
6 .3_ .27 .24 .22 .21 .21 .23 .29 .36 .46 .59 .73 .87 .99 1.06 .42
7 .2_ .25 .23 .22 .22 .24 .30 .37 .48 .58 .71 .84 .95 1.02 .43 .41
8 .2_ .24 .23 .23 .25 .31 .39 .50 .60 .70 .82 .93 .99 .44 .42 .41
9 .25 .24 .24 .25 .32 .40 .51 .62 .73 .82 .92 .97 .45 .43 .42 .40
10 .25 .25 .26 .33 .41 .53 .64 .75 .84 .92 .96 .46 .44 .43 .41 .39
11 .25 .27 .34 .42 .54 .65 .76 .85 .93 .95 .48 .45 .44 .42 .40 .39
12 .27 .34 .42 .54 .66 .77 .86 .94 .96 .49 .46 .45 .43 .41 .40 .38
13 .35 .43 .55 .66 .78 .87 .9_ .97 .49 .47 .46 .44 .42 .41 .39 .39
14 .43 .56 .67 .79 .88 .96 .98 .49 .47 .47 .45 .43 .42 .40 .40 .40
15 .55 .67 .73 .87 .94 .98 .49 .48 .47 .46 .44 .43 .41 .41 .41 .41
16 .65 .75 .81 .86 .9_ .48 .48 .47 .46 .45 .44 .42 .42 .42 .42 .42
17 .71 .77 .__ .83 .47 .46 .46 .45 .45 .44 .43 .43 .43 .43 .43 .41
18 .68 .75 .7_ .44 .46 .44 .44 .44 .44 .44 .42 .43 .43 .43 .43 .41
19 .63 ._8 .41 .42 .43 .41 .41 .41 .42 .42 .40 .42 .43 .43 .42 .41
20 .5_ .38 .39 .40 .40 .38 .39 .39 .39 .41 .39 .41 .42 .43 .42 .41
21 .32 .36 .37 .37 .37 .35 .36 .37 .38 .39 .39 .41 .42 .42 .43 .43
22 .3_ .33 .36 .35 .35 .34 .35 .35 .37 .38 .39 .40 .41 .43 .44 .45
23 .2_ .32 .34 .34 .34 .33 .34 .35 .36 .38 .39 .40 .42 .44 .4_ .49
24 .27 .30 .33 .33 .34 .33 .34 .35 .37 .39 .41 .42 .44 .47 .50 .54
25 .25 .28 .31 .32 .33 .33 .34 .36 .38 .40 .42 .44 .47 .52 .56 .60
26 .24 .27 .30 .31 .33 .34 .35 .37 .39 .41 .44 .47 .52 .57 .62 .67
27 .24 .26 .29 .31 .33 .35 .37 .38 .41 .44 .47 .51 .57 .63 .69 .73
28 .25 .27 .30 .32 .34 .37 .38 .41 .44 .47 .51 .56 .62 .69 .75 .81
29 .25 .28 .30 .33 .30 .38 .41 .44 .47 .52 .57 .62 .69 .76 .83 .91
30 .27 .29 .32 .35 .__ .41 .44 .47 .52 .58 .63 .69 .75 .83 .91 1.01
31 .28 .31 .34 .37 .40 .43 .47 .51 .57 .63 .69 .75 .83 .92 1.02 1.13
32 .28 .32 .35 .38 .42 .46 .51 .56 .62 .69 .75 .83 .92 1.03 1.14 1.27
33 .28 .3_ .3_ .40 .44 .49 .55 .60 .67 .74 .82 .91 1.02 1.15 1.28 1.43
34 .28 .33 .37 .42 .4_ .53 .59 .65 .72 .80 .90 1.00 1.14 1.29 1.43 1.61
35 .28 .34 .39 .45 .51 .57 .63 .70 .78 .86 .97 1.10 1.2_ 1.43 1.60 1.82
36 .28 .35 .4_ .49 .56 .62 .70 .77 .86 .95 1.07 1.22 1.40 1.60 1.81 2.05
37 .3_ .38 .45 .__ .61 .69 .77 .85 .94 1.04 1.19 1.35 1.55 1.78 2.03 2.28
38 .32 .41 .50 .59 .6_ .76 .84 .94 1.04 1.15 1.30 1.49 1.71 1.98 2.26 2.56
39 .35 .46 .5_ .65 .74 .84 .93 1.03 1.15 1.26 1.43 1.63 1.88 2.18 2.54 2.87
40 .38 .50 .62 .72 .82 .92 1.02 1.14 1.25 1.38 1.57 1.79 2.07 2.42 2.84 3.25
41 .42 .56 .69 .__ .91 1.01 1.12 1.24 1.38 1.51 1.75 1.99 2.33 2.75 3.25 3.80
42 .45 .61 .75 .88 1.00 1.11 1.23 1.36 1.50 1.65 1.91 2.24 2.63 3.12 3.72 4.42
43 .49 .66 .82 .9_ 1.09 1.21 1.33 1.48 1.63 1.80 2.12 2._1 2.97 3.54 4.25 5.06
44 .53 .71 .89 1.04 1.13 1.31 1.44 1.59 1.75 1.96 2.35 2.81 3.36 4.03 4.80 5.77
45 .56 .77 .98 1.13 1.27 1.42 1.56 1.72 1.39 2.14 2.60 3.15 3.80 4.55 5.43 6.52
46 .61 ._3 1.04 1.24 1.40 1.55 1.71 1.89 2.08 2.35 2.88 3._1 4.24 5.07 6.06 7.23
47 .66 .91 1.14 1.35 1.55 1.72 1.89 2.08 2.32 2.61 3.20 3.89 4.71 5.65 6.76 8.04
48 .70 .99 1.25 1.49 1.72 1.92 2.11 2.32 2.59 2.89 3.53 4.30 5.22 6.29 7.54 8.97
49 .75 1.08 1.37 1.65 1.91 2.14 2.37 2._1 2.90 3.20 3.89 4.74 5.77 6.98 8.41 10.04
50 .__ 1.18 1.51 1.82 2.12 2.39 2.64 2.92 3.21 3.52 4.27 5.21 6.36 7.73 9.36 11.21
51 .__ 1.29 1.67 2._1 2.__ 2.66 2.95 3.24 3.54 3.89 4.72 5.76 7.00 _.62 10.43 12.62
52 .__ ____ 1.__ _.__ _.__ _.__ _.24 _.55 _.83 4.__ 5.1_ _.__ 7.__ _.__ 11.__ 14.1_
53 1.__ ____ 2.01 _.__ _.__ _.__ 3.__ _.85 4.22 4.__ 5.6_ 7.00 8.__ 10.62 13.01 15.93
54 1.__ 1.__ 2.1_ _.__ _.__ _.__ _.__ 4.1_ 4.56 5.04 5.21 7.69 9.51 11.72 14.50 17.73
55 1.17 1.63 _.__ _._4 _.__ _.__ 4.__ 4.41 4.91 5.45 6.77 8.44 10.47 1_.01 16.15 19.73
56 1.2_ 2.__ 2.62 _.12 _.__ 3.__ 4.33 4.78 5.33 5.96 7.42 9.25 11.54 14.34 17.31 21.83
57 1.42 2.24 2.91 3.44 3.__ 4._9 4.73 5.21 5.78 6.52 8.13 10.20 12.73 15.62 1_.67 24.24
58 1.59 2._0 3.24 3.82 4.2_ 4.74 5.2_ 5.71 6.31 7.14 8.95 11.23 14.04 17.49 21.77 26.24
59 1.79 2._1 3.64 4.27 4.79 5.27 5.77 6.30 6.93 7.87 9.85 1_._6 15.49 19._5 23.96 29.31
60 2.01 3.17 4.08 4.77 5.__ 5.8_ 6.41 6.96 7.67 8.69 10.85 13.51 17.09 21.__ 26.38 32.29
61 2.26 3.53 4.54 _.3_ 5._5 6.51 7.07 7.69 8.47 9.66 11.92 14.94 18.69 23.34 28.95 35.51
62 2.54 3.91 5.00 _.86 6.56 7.17 7.80 8.48 9.34 10.54 13.11 16.34 20.47 25.59 31.76 39.05
63 2.86 4.34 5.52 _.46 7.18 7.86 8.55 9.31 10.27 11.60 14.34 17.87 22.41 2_.05 34.81 42.95
64 3.22 4.86 6.12 7.08 7.85 8.57 9.32 10.17 11.23 12.70 15.68 19.55 24.53 30.72 38.11 47.13
65 3.62 5.41 6.7_ 7.74 8.57 9.35 10.18 11.16 12.38 13.97 17.22 21.44 26.89 33.64 41.70 51.49
66 4.05 5.93 7.36 8.40 9.32 10.20 11.16 12.26 13.67 15.44 19.03 23.70 29.69 37.12 46.01 56.56
67 4.52 6.42 7.90 9.07 10.15 11.19 12.30 13.62 15.26 17.25 21.22 26.34 32.88 40.98 50.72 62.12
68 5.03 6.86 8.40 9.76 11.05 12.32 13.70 15.32 17.25 19.48 23.87 29.43 36.50 45.24 55.85 68.15
69 5.60 7.31 8.91 10.46 12.03 13.64 15.40 17.39 19.65 22.14 26.9_ 32.99 40.55 49.91 61.41 75.05
70 6.21 7.76 9.40 11.16 13.06 15.13 17.36 19.80 22.45 25.22 30.55 37._1 45.05 55.00 67.41 82.71
71 6.80 8.50 10.31 12.23 14.33 16.58 19.02 21.70 24.59 27.64 33.44 40.46 49.20 60.02 73.50 90.14
72 7.45 9.32 11.29 13.47 15.70 18.16 20.84 23.78 26.95 30.29 36.59 44.23 53.74 65.50 80.17 98.24
73 8.15 10.19 12.35 14.66 17.18 19.87 22.80 26.01 29.48 33.13 39.99 48.28 58.61 71.38 87.30 107.72
74 8.78 10.98 13.30 15.78 18.49 21.39 24.54 28.00 31.74 35.67 42.99 51.86 _2.8_ 76.54 94.20 116.23
75 9.28 11.60 14.06 16.69 19.55 22.61 25.95 29.80 33.55 37.70 45.40 54.70 66.28 81.13 9_.83 128.16
76 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 128._4
77 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 134._2
78 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 142.27
79 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 154.03
80 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
81 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
82 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
83 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
84 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
85 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
____ R FACTORS - FEMALE PREFERRED NON-SMOKER
DUR 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 ULT
--- ---- --- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------
0 2.32 .52 .33 .25 .20 .18 .15 .14 .13 .11 .11 .11 .12 .15 .19 .24
1 .53 .33 .25 .20 .18 .16 .14 .13 .12 .11 .11 .12 .15 .19 .24 .30
2 .34 .26 .21 .18 .16 .14 .13 .12 .11 .11 .12 .15 .19 .24 .30 .35
3 .26 .21 .19 .16 .15 .13 .12 .11 .11 .12 .15 .19 .25 .30 .35 .40
4 .21 .19 .16 .15 .13 .12 .12 .11 .12 .15 .19 .25 .30 .36 .40 .43
5 .19 .17 .15 .13 .12 .12 .12 .12 .16 .19 .25 .30 .36 .40 .43 .44
6 .17 .15 .14 .12 .12 .12 .12 .16 .20 .25 .31 .36 .40 .44 .44 .31
7 .16 .14 .12 .12 .12 .13 .16 .20 .25 .31 .38 .41 .44 .45 .33 .31
8 .14 .13 .12 .12 .13 .16 .20 .26 .31 .36 .41 .44 .45 .34 .32 .30
9 .13 .12 .12 .13 .16 .20 .26 .31 .37 .41 .44 .45 .35 .33 .31 .29
10 .12 .12 .13 .16 .20 .26 .31 .37 .41 .44 .45 .36 .34 .32 .30 .29
11 .12 .13 .17 .20 .26 .31 .37 .41 .45 .46 .37 .35 .33 .31 .30 .28
12 .13 .17 .20 .26 .31 .34 .42 .45 .46 .38 .36 .34 .33 .31 .29 .27
13 .17 .21 .26 .32 .37 .42 .45 .46 .38 .37 .35 .34 .32 .30 .28 .28
14 .21 .27 .32 .37 .42 .45 .46 .38 .37 .36 .35 .33 .31 .29 .29 .29
15 .26 .32 .37 .41 .44 .46 .39 .37 .36 .35 .34 .32 .30 .30 .30 .29
16 .33 .38 .40 .43 .45 .38 .38 .37 .36 .35 .33 .31 .31 .31 .31 .30
17 .38 .41 .42 .44 .37 .37 .36 .36 .35 .34 .32 .32 .32 .32 .31 .30
18 .39 .41 .43 .36 .36 .35 .34 .34 .34 .33 .32 .32 .32 .32 .32 .30
19 .38 .41 .33 .34 .34 .33 .32 .32 .32 .32 .31 .32 .32 .32 .31 .30
20 .36 .30 .32 .32 .32 .30 .30 .30 .30 .31 .30 .31 .32 .32 .32 .31
21 .26 .29 .30 .30 .29 .28 .28 .28 .29 .30 .30 .31 .31 .32 .32 .32
22 .24 .27 .28 .28 .28 .27 .27 .27 .28 .30 .30 .31 .32 .33 .34 .34
23 .23 .26 .27 .27 .27 .26 .27 .27 .28 .30 .30 .31 .33 .34 .35 .37
24 .22 .24 .26 .27 .27 .26 .26 .27 .29 .30 .31 .32 .34 .36 .39 .41
25 .21 .23 .25 .26 .26 .26 .27 .28 .29 .31 .33 .34 .37 .40 .43 .46
26 .20 .22 .25 .26 .27 .28 .28 .30 .31 .33 .35 .37 .41 .44 .48 .50
27 .21 .22 .25 .26 .28 .29 .30 .32 .34 .36 .39 .42 .45 .49 .53 .55
28 .22 .23 .26 .28 .30 .31 .33 .35 .37 .40 .43 .47 .50 .55 .58 .62
29 .23 .25 .27 .29 .32 .34 .36 .39 .42 .46 .49 .52 .58 .60 .64 .68
30 .25 .27 .30 .32 .35 .37 .40 .43 .47 .52 .56 .59 .65 .67 .71 .76
31 .26 .28 .31 .34 .36 .40 .43 .47 .52 .57 .61 .65 .69 .74 .79 .85
32 .26 .29 .32 .35 .38 .42 .46 .51 .56 .62 .66 .71 .76 .82 .88 .96
33 .26 .30 .33 .37 .41 .45 .50 .55 .61 .67 .72 .78 .84 .92 .99 1.07
34 .26 .30 .34 .39 .43 .48 .54 .59 .65 .72 .78 .85 .93 1.02 1.11 1.21
35 .26 .31 .35 .41 .46 .52 .57 .63 .70 .77 .85 .93 1.03 1.13 1.23 1.36
36 .25 .31 .37 .43 .49 .55 .61 .68 .75 .83 .91 1.01 1.12 1.24 1.36 1.50
37 .26 .33 .39 .46 .56 .59 .66 .73 .80 .88 .98 1.08 1.21 1.35 1.50 1.64
38 .27 .34 .42 .49 .55 .63 .70 .78 .86 .94 1.04 1.16 1.30 1.46 1.64 1.81
39 .28 .37 .45 .53 .60 .67 .75 .83 .92 1.00 1.11 1.24 1.39 1.58 1.80 2.00
40 .30 .40 .48 .57 .64 .71 .79 .88 .97 1.06 1.18 1.32 1.49 1.71 1.97 2.22
41 .32 .43 .56 .62 .69 .77 .85 .94 1.04 1.14 1.27 1.43 1.63 1.88 2.18 2.50
42 .34 .46 .57 .66 .75 .83 .92 1.01 1.12 1.23 1.38 1.56 1.79 2.07 2.41 2.80
43 .36 .49 .61 .71 .80 .89 .98 1.08 1.18 1.31 1.49 1.71 1.87 2.28 2.67 3.11
44 .38 .52 .64 .75 .85 .94 1.04 1.14 1.25 1.40 1.61 1.86 2.16 2.52 2.92 3.42
45 .40 .55 .68 .80 .90 1.00 1.10 1.20 1.32 1.49 1.74 2.03 2.37 2.76 3.20 3.75
46 .42 .58 .72 .85 .97 1.07 1.17 1.29 1.42 1.60 1.89 2.23 2.62 3.05 3.56 4.16
47 .45 .62 .77 .92 1.04 1.15 1.27 1.39 1.54 1.73 2.08 2.44 2.88 3.38 3.95 4.61
48 .47 .65 .83 .98 1.13 1.26 1.38 1.52 1.69 1.88 2.23 2.65 3.16 3.73 4.39 5.15
49 .49 .70 .89 1.06 1.23 1.37 1.51 1.66 1.85 2.03 2.42 2.88 3.45 4.11 4.88 5.75
50 .51 .75 .95 1.15 1.33 1.50 1.65 1.82 1.99 2.19 2.60 3.12 3.76 4.52 5.41 6.41
51 .55 .82 1.05 1.27 1.48 1.67 1.85 2.02 2.21 2.41 2.87 3.44 4.14 4.99 5.99 7.12
52 .59 ____ 1.1_ 1.4_ 1._2 1.__ ____ 2.22 2.42 2.__ 3.15 3.7_ 4.5_ ____ 6.61 7._7
53 .64 ____ 1.27 1.__ 1.77 1.99 2.19 2.41 2.6_ 2.__ 3.44 4.14 4.__ ____ 7.2_ _._7
54 .69 1.07 1.38 1.66 1.91 2.13 2.35 2.58 2.85 3.14 3.75 4.52 5.4_ _.5_ 7.98 9.48
55 .75 1.16 1.51 1.80 ____ 2.2_ 2.51 2.77 3.07 3.40 4.03 4.94 5.97 7.21 8.70 10.34
56 .82 1.28 1.66 1.97 2.24 _.4_ 2.72 3.00 3.33 3.71 4.47 5.41 6.5_ 7.87 9.50 11.33
57 .91 1.42 1.84 2.1_ 2.45 2.70 2.97 3.26 3.61 4.06 4.89 5.93 7.1_ 8.62 10.40 12.45
58 1._1 1.59 2.__ 2.4_ 2.71 2.98 3.27 3.58 3.94 4.45 5.36 6.49 7.84 9.45 11.41 13.76
59 1.14 1.79 2.31 2.7_ 3._2 3.32 3.62 3.95 4.33 4.85 5.87 7.09 8.59 10._8 12._2 15.22
60 1.2_ 2._1 2.59 3.__ 3.3_ 3.70 4.02 4.36 4.77 5.36 6.43 7.76 9.41 11.47 13.97 16._5
61 1.44 2.24 2.87 3.35 3.75 4.09 4.44 4.79 5.24 5.87 7.0_ _.54 10.47 12.34 15.70 19.04
62 1.62 2.48 3.17 3.70 4.1_ 4.30 4.87 5.26 5.75 6.44 7.7_ 9.46 11.65 14.37 17.64 21.50
63 1.82 2.75 3.4_ 4.07 4.52 4.92 5.32 5.75 6.30 7.04 8.54 10.48 12.97 16.07 19.79 24.09
64 2.05 3.08 3.8_ 4.46 4.9_ 5.35 5.78 6.26 6.87 7.74 9.42 11.61 14.43 17.95 22.01 26.92
65 2.30 3.42 4.26 4.87 5.3_ 5.61 6.28 6.83 7.57 8.54 10.43 12._9 16.07 19._1 24.45 29.92
66 2.56 3.75 4.63 5.27 5.81 6.32 6.86 7.52 8.38 9.48 11.64 14.46 18.__ 22.37 27.56 36.7_
67 2.86 4._5 4.97 5.67 6.31 6.91 7.57 8.38 9.39 10.62 13.10 16.22 20.20 25.12 31.01 37.90
68 3.18 4.38 5.27 5.09 6.__ 7.62 8.46 9.45 10.65 12.04 14.80 18.29 22.72 28.19 34.82 42.51
69 3.54 4.__ 5.58 6.51 7.46 _.45 9.53 10.76 12.17 13.68 16.80 20.68 25.5_ 31.59 39.00 47.81
70 3.92 4.88 5.83 6.95 8.13 9.39 10.76 12.28 13.89 15.57 19.18 23.39 28.73 35.33 43.58 53.76
71 4.28 5.33 6.43 7.61 8.90 10.28 11.80 13.43 15.18 17.02 21.02 25.88 31.94 39.45 48.83 60.43
72 4.68 5.83 7.04 8.33 9.75 11.27 12.90 14.68 16.59 18.60 23.13 28.64 35.50 44.03 54.68 67.86
73 5.11 6.36 7.69 9.11 10.66 12.30 14.07 16.02 18.11 20.30 25.41 31.63 39.3_ 49.02 _1.08 7_.59
74 5.49 6.64 8.26 9.79 11.45 13.21 15.11 17.20 19.44 21.80 27.46 34.36 42.97 53._7 67.55 84.98
75 5.79 7.21 8.72 10.33 12.07 13.93 15.94 18.14 20.51 22.99 29.14 36.65 46.01 58.06 73.32 92.51
76 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 96.60
77 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 100.88
78 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 10_.65
79 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 115.41
80 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
81 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
82 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
83 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
84 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
85 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00 .00
[LOGO] CRE
ADDENDUM TO TREATY #L067-101-000 DATED May 15, 1987
CEDING COMPANY: LIFE INSURANCE COMPANY OF VIRGINIA
Richmond, Virginia
REINSURANCE COMPANY: COLOGNE LIFE REINSURANCE COMPANY
00 Xxx Xxxxxx
Xxxxxxxx, XX 00000
ACCOUNT NUMBER(S): 847
EFFECTIVE DATE: August 1, 1990
ADDENDUM NUMBER: L067-101-001
PRODUCTS COVERED: Effective May 15, 1987, the AA Plus and the VL Plus will
be reinsured using the same rates as the LOV Plus plans
found in Exhibit C of the basic treaty and other
applicable addenda.
CONDITIONS: As in basic treaty and other applicable addenda.
IN WITNESS WHEREOF, the Parties have had their respective officers execute this
amendment below:
COLOGNE LIFE REINSURANCE COMPANY LIFE INSURANCE COMPANY OF VIRGINIA
By: /s/ Illegible By: /s/ Illegible
--------------------------------- ------------------------------------
Title: Senior Vice President Title: Zd Vice President
Date: 10/25/91 Date: November 13, 1991
Attest: Illegible Attest: Illegible
[LOGO] CRE
ADDENDUM TO TREATY DATED May 15, 1987 WITH COLOGNE LIFE RE
CEDING COMPANY: LIFE INSURANCE COMPANY OF VIRGINIA
Richmond, Virginia
ACCOUNT NUMBER(S): 847.
TREATY NUMBER: L067-101-001.
PURPOSE: Effective July 1, 1988, the Additional Insured Rider will be reinsured
on the same net rates as the base plan to which it is attached.
OTHER CONDITIONS: As in basic treaty and other applicable addenda.
Accepted and Agreed:
COLOGNE LIFE REINSURANCE COMPANY LIFE INSURANCE COMPANY OF VIRGINIA
/s/ Xxxxxxx X. Xxxx By: /s/ Illegible
------------------------------------- ------------------------------------
Xxxxxxx X. Xxxx Title: Zd V.P.
Vice President,
Individual Reinsurance Marketing
Date: 10/3/90 Date: October 19, 1990
Internal Exchange Procedures
I. If Cologne is the original reinsurer of a policy and the policy is
exchanged for a new policy also reinsured by Cologne, we will:
A. Consider the new policy to be a new issue eligible for first year
rates/allowances, if:
1. the new policy is fully underwritten according to the ceding
company's usual underwriting standards and,
2. full first year commissions are paid, and;
3. the new policy contains new suicide and contestable provisions.
B. Consider the new policy to be a continuation of prior coverage if the
above conditions are not met, reinsurance would be continued on:
1. the original YRT rates on point-in-scale basis using the original
issue age and duration, or
2. if the original policy was coinsured, mutually acceptable
coinsurance allowances.
II. If Cologne is not the reinsurer of the original policy and that policy is
to be exchanged for one where Cologne is the reinsurer, we will:
A. Accept reinsurance on the new policy if it qualifies as a new issue
which means:
1. the new policy is fully underwritten according to the ceding
company's usual underwriting standards and,
2. full first year commissions are paid, and;
3. the new policy contains new suicide and contestable provisions.
B. If the new policy does not qualify as a new issue Cologne will
consider the acceptance of reinsurance if:
1. the ceding company has secured in writing, the release of
reinsurance from the original reinsurer, and,
2. the ceding company and Cologne have agreed, in writing, to
mutually acceptable terms and conditions.
III. If Cologne is the reinsurer of a policy that is to be exchanged for a new
policy for which we are not a reinsurer we would:
A. expect to continue reinsurance on mutually acceptable terms or
B. be asked to release or allow recapture of reinsurance.
IV. The basis of administration for the new policy must remain the same as the
original, ie: a policy originally ceded on individual cession basis must
remain as individual cession.
REINSURANCE AGREEMENT
ADDENDUM TO TREATY DATED May 15, 1987 WITH COLOGNE LIFE RE
CEDING COMPANY: LIFE INSURANCE COMPANY OF VIRGINIA
Richmond, Virginia
TREATY NUMBER: L067-101-002
ACCOUNT NUMBER(S): 847
COLOGNE: COLOGNE LIFE REINSURANCE COMPANY
Stamford, Connecticut
TYPE OF BUSINESS: Automatic with Facultative Option
BINDING: See Special Provisions Automatic. Binding and quota
share changes effective November 1, 1990.
COINSURANCE
LIMIT PER LIFE: $2,000,000
JUMBO LIMIT: $10,000,000, effective November 1, 1990
OTHER CONDITIONS: As in basic treaty and other applicable data.
IN WITNESS OF THE AGREEMENT which is detailed in the attached General
Provisions, Special Provisions and Exhibits, the PARTIES have had their
respective officers execute it in duplicate below.
COLOGNE LIFE REINSURANCE COMPANY LIFE INSURANCE COMPANY OF VIRGINIA
By: /s/ Illegible By: /s/ Illegible
--------------------------------- ------------------------------------
Title: Illegible Title: Illegible
Date: 11/_/90 Date: April 19, 1991
Attest: Attest: Illegible
Title: Title: Illegible
SPECIAL PROVISIONS
AUTOMATIC
Basis of Reinsurance: The Ceding company shall cede to Cologne direct business
underwritten on either United States or Canadian residents for Automatic
acceptance of Life Insurance subject to the limits and conditions shown below.
1. Life - full retention business: Limits
Issue Maximum Binding Maximum***
Ages** Table Ratings Multiple Amount to CLR
------ ------------- -------- -------------
0-70 16 3.5 $1,750,000
Universal Life Plans: LOV Plus, Challenger 92000), Challenger Max
(2000), T-Charger, Contender Plus, LOV Plus II****, Commonweath III
Whole Life Plans: SPWL, Excess Interest WL - Whole Life (EIWL)****
* or flat extra equivalent, with each $2.50 per thousand equal to one
table.
** Issues over 70 shall be submitted on a facultative basis.
*** 25% Quota share of amounts exceeding Ceding Company retention up to a
maximum of $1,750,000 per life to Cologne, maximum of $7,000,000 to
Pool.
**** LOV Plus II and EIWL are a 20% Quota Share of amounts exceeding Ceding
Company retention up to a maximum of $1,400,000 per life to Cologne,
Maximum of $7,000,000 to the Pool.
Conditions: (a) The Ceding Company has retained its current published
retention as shown in Exhibit A.
(b) The Ceding Company has not offered the risk
facultatively to any reinsurer, including Cologne.
(c) The current amount in force and applied in all
companies does not exceed the Jumbo amount, as
defined on the Specifications Page.
(d) The business ceded under this agreement has been
fully underwritten by the Ceding Company at its home
office or any regional home office in accordance with
its usual underwriting standards and requirements
which Cologne has acknowledged.
2. Life - limited retention option: When the Ceding Company retains for its
own account less than its regular retention limits on a risk and conditions
1 (b), (c), (d) are satisfied, automatic coverage shall be for an amount
equal to the amount retained by the Ceding Company on the current
application.
3. Waiver of Premium: May included up to the Life limits shown above.
4. Accidental Death Benefit: May be included up to the limits specified in
Exhibit D.
-8A-
[LOGO] CRE
ADDENDUM TO TREATY #L067-101-000 DATED May 15, 1987
CEDING COMPANY: LIFE INSURANCE COMPANY OF VIRGINIA
Richmond, Virginia
REINSURANCE COMPANY: COLOGNE LIFE REINSURANCE COMPANY
00 Xxx Xxxxxx
Xxxxxxxx, XX 00000
ACCOUNT NUMBER(S): 847
EFFECTIVE DATE: December 12, 1991
ADDENDUM NUMBER: L067-101-003
SPECIAL REVISIONS:
Conditional Receipt
Effective 12/1/91 for ages 0-70, the Conditional Receipt limit of the
Company shall be $1,000,000, (except in California, Colorado, Hawaii, North
Dakota, Tennessee, Utah, Kansas, Indiana, Idaho, Nevada, New Jersey and
Pennsylvania, where it shall be limited to $500,000). The Conditional
Receipt limit for ages 71-75 shall be $250,000.
If the total inforce and applied for exceeds $1,500,000, then these limits
do not apply and the maximum Conditional Receipt limit for all ages shall
only be $250,000
Cologne will share proportionately in our conditional receipt liability,
less Company retention, up to the binding limits.
OTHER CONDITIONS: As in basic treaty and other applicable addenda.
IN WITNESS WHEREOF, the Parties have had their respective officers execute this
amendment below:
COLOGNE LIFE REINSURANCE COMPANY LIFE INSURANCE COMPANY OF VIRGINIA
By: /s/ Illegible By: /s/ Illegible
--------------------------------- ------------------------------------
Title: Senior Vice President Title: Zd V.P.
Date: 2/14/92 Date: 5/7/92
Attest: Illegible Attest: Illegible
Vice President
2/14/92
[LOGO] CRE
ADDENDUM TO TREATY DATED May 15, 1987
CEDING COMPANY: LIFE OF INSURANCE COMPANY OF VIRGINIA
Richmond, Virginia
REINSURANCE COMPANY: COLOGNE LIFE REINSURANCE COMPANY
00 Xxx Xxxxxx
Xxxxxxxx, XX 00000
ACCOUNT NUMBER(S): 847
EFFECTIVE DATE: June 29, 1992
AMENDMENT NUMBER: L067-101-004
TYPE OF BUSINESS: Automatic w/ Facultative Option
SPECIAL PROVISIONS: Exhibit C revised to read as follows:
2. Plans: Excess Interest Whole Life (EIWL), and LOV
Plus II (UL) is amended to include X-871 Excess
Interest Whole Life: (Fixed Premium Universal Life)
at the same rate tables and percentages as on X881.
OTHER CONDITIONS: As in basic treaty and other applicable addenda.
IN WITNESS WHEREOF, the Parties have had their respective officers execute it
below.
COLOGNE LIFE REINSURANCE COMPANY LIFE INSURANCE COMPANY OF VIRGINIA
By: /s/ Illegible By: /s/ Illegible
--------------------------------- ------------------------------------
Title: Senior Vice President Title: Zd V.P.
Date: 12/8/92 Date: Dec 16, 1992
Attest: Illegible Attest: Illegible
Vice President
12/8/92
The Cologne Life Re
ADDENDUM TO TREATY #LO67-101-000 DATED May 15, 1987
CEDING COMPANY: LIFE INSURANCE COMPANY OF VIRGINIA
Richmond, Virginia
REINSURANCE COMPANY: THE COLOGNE LIFE REINSURANCE COMPANY
00 Xxx Xxxxxx
Xxxxxxxx, XX 00000
ACCOUNT NUMBER(S): 847
EFFECTIVE DATE: January 1, 1994
AMENDMENT NUMBER: L067-101-005
TYPE OF BUSINESS: Automatic w/ Facultative Option
SPECIAL PROVISIONS: Retention on life risks is increased from $500,000 to $1
million for business ceded on and after January 1, 1994.
The new retention limit will also apply to ages 71-75,
which previously had been set at $250,000.
Also, the auto binding limit is increased from $7.5
million to $10 million and the jumbo limit from $10
million to $15 million.
COINSURANCE LIMIT
PER LIFE: $2,000,000 is the maximum to The Cologne.
OTHER CONDITIONS: As in basic treaty and other applicable addenda.
IN WITNESS WHEREOF, the Parties have had their respective officers execute it
below.
THE COLOGNE LIFE REINSURANCE COMPANY LIFE INSURANCE COMPANY OF VIRGINIA
By: /s/ Illegible By: /s/ Illegible
--------------------------------- ------------------------------------
Title: Senior Vice P________. Title: Zd VP
Date: 11/19/93 Date: Dec 14, 1993
Attest: Illegible Attest: Illegible
Vice President
11/19/93
The Cologne Life Re
ADDENDUM TO TREATY #L067-101-000 DATED May 15, 1987
CEDING COMPANY: LIFE INSURANCE COMPANY OF VIRGINIA
Richmond, Virginia
REINSURANCE COMPANY: THE COLOGNE LIFE REINSURANCE COMPANY
00 Xxx Xxxxxx
Xxxxxxxx, XX 00000
ACCOUNT NUMBER: 847
EFFECTIVE DATE: October 1, 1997
AMENDMENT NUMBER: L067-101-006
TYPE OF BUSINESS: Automatic w/Facultative Option YRT
AMENDMENT PROVISIONS: This Agreement is hereby amended to increase the Binding
Limits and the Jumbo Limits, as indicated in the
attached Special Provisions Automatic- Amended and
Exhibit A - Amended.
OTHER CONDITIONS: As in basic treaty and other applicable addenda.
IN WITNESS WHEREOF, the Parties have had their respective officers execute it
below.
THE COLOGNE LIFE REINSURANCE COMPANY LIFE INSURANCE COMPANY OF VIRGINIA
BY: /s/ Illegible BY: /s/ Illegible
--------------------------------- ------------------------------------
TITLE: Second Vice President TITLE: VP
DATE: MAY 27, 1998 DATE: 7/6/98
ATTEST: Illegible ATTEST: Illegible
SPECIAL PROVISIONS - Amended
AUTOMATIC
Basis of Reinsurance: The Ceding Company shall cede to Cologne direct business
underwritten on either United States or Canadian residents for Automatic
acceptance of Life Insurance subject to the limits and conditions shown below.
1. Life - full retention business:
CLR
Quota Share
Issue Maximum Excess Over CLR Pool
Plans Ages Table Rating* Retention Maximum Maximum
-------------------------- ----- ------------- ----------- ---------- -----------
LOV Plus, 0-75 T-16 25% $5,000,000 $20,000,000
Challenger (92000), 76-80 T-8 25% 500,000 2,000,000
Challenger Max (2000),
T-Charger, Contender Plus,
Commonwealth III, SPWL,
AA Plus & VL Plus
LOV Plus II & 0-75 T-16 20% $4,000,000 $20,000,000
Excess Interest WL (EIWL) 76-80 T-8 20% 400,000 2,000,000
* or flat equivalent, with each $2.50 per thousand equal to one table.
Conditions: (a) The Ceding Company has retained its current published
retention as shown in Exhibit A.
(b) The Ceding Company has not offered the risk facultatively to
any reinsurer, including Cologne.
(c) The current amount in force and applied for in all companies
does not exceed the Jumbo amount, as defined on the
Specifications Page.
(d) The business ceded under this agreement has been fully
underwritten by the Ceding Company at its home office or any
regional home office in accordance with its usual
underwriting standards and requirements which Cologne has
acknowledged.
2. Life - limited retention option: When the Ceding Company retains for its
own account less than its regular retention limits on a risk and conditions
1 (b), (c), (d) are satisfied, automatic coverage shall be for an amount
equal to the amount retained by the Ceding Company on the current
application.
3. Waiver of Premium: May included up to the Life limits shown above.
4. Accidental Death Benefit: May be included up to the limits specified in
Exhibit D.
5. Conditional Receipt Limit: For ages 0-70, the Conditional Receipt limit of
the Ceding Company shall be $1,000,000 (except in California, Colorado,
Hawaii, North Dakota, Tennessee, Utah, Kansas, Indiana, Idaho, Nevada, New
Jersey, and Pennsylvania, where it shall be limited to $500,000). The
Conditional Receipt limit for ages 71-75 shall be $250,000.
SPECIAL PROVISIONS - Amended, pg. 2
If the total inforce and applied for exceeds $1,500,000 then these limits
do not apply and the maximum Conditional Receipt limit for all ages shall
only be $250,000.
Cologne will share proportionately in the Conditional Receipt liability,
less the Ceding Company retention, up to the binding limits.
Notification Procedure: When Cologne has been bound for automatic reinsurance on
a life in accordance with the above conditions, the Ceding Company shall send
appropriate notification to Cologne within 20 days after the end of each month.
Facultative Option: The Ceding Company may, at its discretion, request
facultative consideration by Cologne of any risk, under the provisions given on
page 8F of this agreement. All facultative cessions are to be ceded on the
standard rate scales not the preferred rate scales.
EXHIBIT A - Amended
CORPORATE RETENTION LIMITS OF THE CEDING COMPANY
1. LIFE: AGE AMOUNT
----- ----------
0-75 $1,000,000
76-80 500,000
2. WAIVER OF PREMIUM DISABILITY:
An amount equal to that attaching to the face amount of Life coverage
retained.
3. JUMBO RISK:
Age Amount
----- -----------
0-75 $30,000,000
76-80 3,000,000
REINSURANCE AGREEMENT
between
LIFE INSURANCE COMPANY OF VIRGINIA
Richmond, Virginia
and
NORTH AMERICAN REASSURANCE COMPANY
New York, New York
This agreement will detail the operation of a reinsurance pool, the purpose of
which is to provide automatic and facultative reinsurance coverage to Life
Insurance Company of Virginia, Richmond, Virginia, American Agency Life
Insurance Company, Atlanta, Georgia, and Virginia Life of New York, New York,
New York. These three insurance entities will be collectively and individually
referred to hereafter in this agreement as "Ceding Company".
The reinsurers participating in this pool are listed in Exhibit F of the
agreement. These participants will hereafter be referred to collectively as "the
Pool" and individually as "Pool member".
ARTICLE I
EFFECTIVE DATE AND DURATION
This Pool will commence operation with an effective date of June 1, 1984. Paid
coverage to the Ceding Company on or after that date is eligible for reinsurance
hereunder.
This Pool is intended to operate continuously. Any Pool member may cancel
participation in the Pool for purposes of new business by giving ninety (90)
days written notice of cancellation. Such notice will not in any way diminish
the rights or obligations of the parties to this agreement for reinsurance
previously ceded.
ARTICLE II
AUTOMATIC COVERAGE
On and after the Effective Date of this agreement, whenever the Ceding Company
issues coverage on a risk for a plan covered by this Pool, and the total
coverage issued and in force on that risk with the Ceding Company exceeds its
then current maximum retention, such coverage will be automatically reinsured in
the Pool, provided:
a. that the aggregate amount of life and supplemental benefits reinsured
does not exceed the maximums set out in Exhibit G;
b. that the risk is not known to be a citizen of countries other than the
United States and Canada, is residing in the United States or Canada,
is classified in accordance with generally accepted individual
underwriting practices, and is not a Jumbo Risk as defined in Exhibit
E;
c. that on the risk the Ceding Company has retained its maximum Exhibit D
retention, either for the current coverage or on a previous issue, or
by combination of both, at the time reinsurance is required;
d. that for the current coverage, the Ceding Company has not made
facultative application to another reinsurer.
1
TABLE OF CONTENTS
Page
----
Article I Effective Date and Duration 1
Article II Automatic Coverage 1
Article III Facultative Reinsurance 2
Article IV Liability of the Pool 2
Article V Pool Administration 2
Article VI Plan of Reinsurance 3
Article VII Reinsurance Premiums 4
Article VIII Application, Policy Forms, and Rate Books 4
Article IX Changes of Original Policy 5
Article X Retention Changes 6
Article XI Recapture of Reinsurance 6
Article XII Claims 7
Article XIII Expenses and Taxes 8
Article XIV Error and Oversight 8
Article XV Insolvency 8
Article XVI Arbitration 9
Article XVII Inspection of Records 9
Article XVIII Parties to the Agreement 10
(i)
EXHIBITS
Exhibit A - Reinsurance Application/Cession Form
Exhibit B - Life Reinsurance Premiums Rates
Exhibit C -
a. Suggested Reporting Details for Non-Universal Life Products
b. Suggested Reporting Details for Universal Life Products
Exhibit D - Retention Limits of Ceding Company
Exhibit E - Jumbo Risk
Exhibit F - Percentages of Participation
Exhibit G - Automatic Binding Limits to the Reinsurance Pool
Exhibit H - Conditional Receipt Liability
(ii)
ARTICLE III
FACULTATIVE REINSURANCE
The Ceding Company may request facultative consideration for any risk by
submitting a reinsurance application (Part I of Exhibit A) along with a copy of
the Ceding Company's application, medical examination, inspection report, and
all other available information the Ceding Company has on the risk.
The Ceding Company may submit such risks to the Pool members. Each solicited
member will give the request prompt consideration and communicate an offer of
reinsurance or a declination notice to the Ceding Company. All offers of
reinsurance will include a time period in which the Ceding Company must
communicate acceptance in order to have valid coverage. Extensions of the offer
period may be made as each Pool member deems appropriate.
The Ceding Company shall have right to determine how facultative reinsurance is
to be allocated among Pool members as they see fit.
ARTICLE IV
LIABILITY OF THE POOL
The liability of the Pool for any coverage ceded hereunder will begin and end
simultaneously with the liability of the Ceding Company, except that:
a. No liability will be assumed for facultative submissions unless an
unconditional offer has been made by the Pool member(s) and accepted
by the Ceding Company as provided by paragraph two of Article III,
Facultative Reinsurance.
b. No liability for Disability Benefits in excess of an amount attaching
to the initial amount of Life coverage will be assumed by the Pool.
c. No liability is assumed by the Pool for a loss under the Ceding
Company's Conditional Receipt in excess of the amount shown in Exhibit
H. A condition precedent to the Pool assuming such liability is a
review of the Ceding Company's Receipt and related rules for its use,
and written approval of same.
ARTICLE V
POOL ADMINISTRATION
The Ceding Company will be responsible for maintaining adequate records for all
coverages ceded into the Pool, and will provide the Pool members with all
necessary reporting of such coverages. Such reporting will occur monthly, and
will include, but not be limited to, the information shown in Exhibit C.
2
In addition to the monthly reporting, the Ceding Company will provide the Pool
with necessary reserve valuation information on a quarterly basis.
ARTICLE VI
PLAN OF REINSURANCE
Reinsurance ceded to the Pool members may be on the Coinsurance, Monthly
Renewable Term, or Yearly Renewable Term plan. The specific plan of reinsurance
for each type of coverage reinsured will be as indicated in the Exhibit B for
that plan of insurance.
New reinsurance will be for an amount not less than $100,000. The net amount of
reinsurance for each plan of reinsurance will be as follows:
Coinsurance - The net amount of reinsurance each year will equal the
initial amount ceded.
Yearly Renewable Term - The net amount of reinsurance each year will be the
death benefit for the portion of the risk reinsured less the interpolated
cash value for the entire risk. Decennial cash values will be used for
computing the interpolated value in any policy year.
Monthly Renewable Term - The net amount of reinsurance each month will be
the death benefit (as defined by the policy) for the reinsured portion of
the risk less the full value of the cash fund at the end of the preceding
month.
Last Survivor Whole Life - The net amount of reinsurance each year will be
defined below:
a. WHILE BOTH COVERED LIVES ARE REINSURED:
For each policy year the net amount of reinsurance of each risk
will equal the excess of (a) over (b), where (a) equals the cash
value in the corresponding policy year for the survivor insured
assuming the other insured has died first, and (b) equals the
cash value for the appropriate policy year assuming both insureds
are still living.
b. AFTER THE DEATH OF THE FIRST INSURED:
The net amount of reinsurance for the survivor insured will be
equal to the death benefit (as defined by the policy) less the
appropriate single life cash value for the policy being
reinsured.
c. DEATH OF BOTH COVERED INSUREDS OCCURS IN THE SAME POLICY YEAR:
The net amount of reinsurance during the policy year the death of
both covered lives occurs will be equal to the death benefit less
the interpolated joint equal age cash value for the policy
reinsured.
Subject to prior approval by the Pool, If the net amount of reinsurance for any
reinsured policy increases because of a benefit ties to a Cost of Living Index,
the Pool agrees to reinsure such amounts in excess of the Ceding Company's
retention provided the total does not exceed the automatic binding limits to the
Pool.
In force reinsurance will automatically terminate when the net amount reinsured
in the Pool reduces below $10,000.
ARTICLE VII
REINSURANCE PREMIUMS
Premiums for YRT and Coinsurance are payable on a policy year basis. Monthly
Renewable Term reinsurance premiums are payable monthly. The various rates for
the plans reinsured in the Pool are shown in Exhibit B. These rates are
guaranteed except where a particular premium rate is less than the applicable
minimum set valuation premium, in which case it is the latter rate that is
guaranteed. All premiums are non-experience rated.
Flat extra and waiver of premium disability benefit will be coinsured with the
following allowances:
Total Allowances
--------------------------
First Year Renewal Years
---------- -------------
The portion of the flat extra premium continuing
for more than five (5) years 85% 15%
The portion of the flat extra premium continuing
for five year or less 0% 15%
Waiver of Premium Disability Benefit 100% 10%
ARTICLE VIII
APPLICATION, POLICY FORMS AND RATE BOOKS
The Ceding Company agrees to furnish the Pool with copies of all its
applications, policy forms (including supplementary agreements) and rate books
which are used while this Agreement is effective.
4
ARTICLE IX
CHANGES OF ORIGINAL POLICY
Reinsurance effected under the Agreement shall be maintained in force so long as
the amount of insurance carried by the Ceding Company is in force either
continuously, by reinstatement, by substitution, or by conversion, except as
follows:
Reduction and Termination - If the face amount of any in force insurance
with the Ceding Company on any particular life is reduced, the full amount
of the retention will apply to reduce any in force reinsurance on the life.
If there is more than one insurance policy on the life, the retention will
apply first to any reinsurance on the policy being reduced, and then, on a
chronological basis, to any reinsurance on the other in force policies on
the life.
If the reinsurance on any particular policy has been ceded to more than one
reinsurer, the reduction in the reinsurance with each reinsurer on such
policy shall be in proportion to the amounts originally ceded to each
reinsurer.
Extended Term Insurance - If a policy on a risk reinsured with the Pool
member(s) is transferred to Extended Term Insurance, the Ceding Company
shall immediately inform the Pool member(s). The net amount of reinsurance
on such policy will then be the initial amount of the Ceding Company's
policy transferred to Extended Term Insurance less the initial amount of
the Ceding Company's retention on such policy immediately prior to the date
of transfer and less the interpolated cash value on the initial amount of
the Extended Term Insurance reinsured with the Pool. member(s).
If the reinsurance on such policy was shared with other reinsurers, the new
amount of reinsurance with each reinsurer shall be in proportion to the
amount in force with each reinsurer immediately prior to the transfer.
Reinstatement - If coverage on a risk automatically reinsured with the Pool
lapses and is subsequently reinstated under the Ceding Company's regular
rules, the reinsurance will be automatically reinstated. If coverage was
reinsured on a facultative basis, the Ceding Company will obtain the
approval of the Pool member(s)prior to reinstatement if the portion of the
coverage reinsured by the Pool member(s) is greater than the portion of the
risks retained by the Ceding Company. The Ceding Company shall pay all
reinsurance premiums in arrears for the same period the Ceding Company
received premiums in arrears under its policy.
5
ARTICLE X
RETENTION CHANGES
In the event the Ceding Company changes its limits of retention, the Ceding
Company shall give immediate written notice to the Pool covering its new
standard and substandard retention limits and the effective date of such change.
ARTICLE XI
RECAPTURE OF REINSURANCE
In the event the Ceding Company increases its limits of retention, it may reduce
all reinsurance effected under this Agreement by giving written notice to the
Pool of its desire to initiate a recapture program, subject to the following
restrictions:
1. A mutually agreed-to beginning date of recapture shall be established.
This beginning date of recapture may be any date on or following the
date of notification by the Ceding Company of its intention to
initiate a recapture program.
2. Reduction of reinsurance shall take effect on the later of (i) the
anniversary of such reinsurance on or next following the beginning
date of recapture and (ii) the minimum in force period as shown in
Exhibit B for the plan or plans reinsured. However, reinsurance of
additional benefits, such as Disability effected under a Life cession
will be eligible for recapture as of the date the Life reinsurance
based on the Ceding Company's same policy is eligible for recapture
regardless of the beginning effective date of such benefits.
3. No reduction may be made in the reinsurance on any individual policy
unless the Ceding Company retained its applicable limit of retention
on the life at the time of issue. For purposes of recapture, if the
Ceding Company's previous retention for a particular age or mortality
classification was zero and a subsequent retention change increases
the retention for that age or classification, the Ceding Company will
be considered to have kept its maximum retention at issue.
4. Reduction in reinsurance will be for an amount which, when added to
the proportionate reduction of recapturable reinsurance with other
reinsurers on the same life, will increase the Ceding Company's
retention to its new limit of retention for the age of issue and
rating of the last policy issued on the life.
6
5. If any reduction is made in reinsurance than all recapturable
reinsurance effected under this Agreement must be similarly reduced.
If the Ceding Company overlooks any reduction or termination of reinsurance,
subsequent acceptance of reinsurance premiums by the Pool shall not create a
liability of the Pool except for refund of the unearned reinsurance premiums
received.
If there is in force reinsurance on policies or amounts issued under a
Guaranteed Insurability Option, the Ceding Company may elect to include these
policies or amounts in any particular recapture program. However, if the
election is applied to any single in force Option Policy, it must be applied to
all in force Option Policies to the same extend as it provided in the above
restrictions.
ARTICLE XII
CLAIMS
The Pool member(s) will be given prompt notice of any claim made against the
Ceding Company on a policy reinsured hereunder. The Ceding Company will submit
copies of all proofs of loss and other documents bearing on such claims to the
Pool member(s).
For claims occurring during the contestable period of reinsured coverage, the
Ceding Company will have full authority to determine liability on such claims
provided that the total liability does not exceed $2,000,000. For contestable
claims exceeding $2,000,000, the Pool member(s) reserve(s) the right of review
and approval prior to the admission of any liability or payment of benefits
thereon.
For claims that occur beyond the contestable period of reinsured coverage, the
Ceding Company will have full authority to determine claims where total
liability does not exceed $5,000,000. For incontestable claims in excess of
$5,000,000, the Pool member(s) reserve(s) the same rights of review and approval
as stated in the preceding paragraph.
For definitional purposes, the amount limits stated above include the Ceding
Company's retention on the coverage and the reinsured portion. Additionally, as
a condition of the right of review and approval, the Pool agrees that such
review and approval will occur and be communicated to the Ceding Company within
five (5) working days following receipt of all necessary information, as
mutually agreed upon by both parties.
The Ceding Company and the Pool member(s) will share proportionately in any
additional related claim expenses including, but not limited to, interest on
proceeds required by the various states statutes and fees and expenses of third
parties utilized in connection with claim investigation. The Pool member(s) will
not compensate the Ceding Company for the expenses of salaried officers and
employees in following normal claim procedures, as well as any possible
extra-contractual damages.
The Pool will refund any unearned premium to the Ceding Company for premiums
paid beyond the date of death of any covered insured.
7
The Ceding Company shall notify the Pool member(s) of its intention to contest
or compromise a claim involving reinsurance. If the Pool member(s) does not
consent to the contest or compromise, the full amount of reinsurance will be
paid to the Ceding Company, and will absolve the Pool member(s) of any further
liability under said claim.
In the event of any adjustment in the amount of any claim due to misstatement of
age or sex of the insured, the reinsurance will be reissued as of the original
policy date at the correct age. The Pool member(s) and the Ceding Company will
participate in such increase or decrease in proportion to the amount retained by
the Ceding Company and reinsured by the Pool member(s) prior to the adjustment.
A corresponding adjustment in reinsurance premiums will be made consistent with
the charges or credit to the policyholder.
If a claim is approved for Disability benefits reinsured hereunder, the Ceding
Company will continue to pay reinsurance premiums except the premium for
disability reinsurance. The Pool member(s) will pay the Ceding Company its
proportionate share of reinsured Disability benefits, including the premiums for
benefits that remain in effect during disability.
ARTICLE XIII
EXPENSES AND TAXES
The Ceding Company shall bear the expense of all medical examinations,
inspection reports, and all other charges incurred in connection with its
policies.
The Pool will reimburse the Ceding Company for any state premium taxes the
Ceding Company is required to pay on such premiums paid to the Pool. It shall be
the responsibility of the Ceding Company to notify the Pool of the amount of
such liability and to request reimbursement thereof within a reasonable period
after the close of each calendar year. However, such reimbursement can be made
only for the tax liability incurred by the Ceding Company in the immediately
preceding calendar year.
ARTICLE XIV
ERROR AND OVERSIGHT
If, unintentionally and through error or oversight, either the Pool or the
Ceding Company fails to comply with terms of this Agreement, and if, upon
discovery by one of such failure the other is immediately notified, then the
duties and responsibilities of both the Pool and the Ceding Company shall be as
if each had complied with the terms of this Agreement, subject always to
correction of the error or oversight.
ARTICLE XV
INSOLVENCY
In the event of the insolvency of the Ceding Company, the reinsurance shall be
payable by the Pool directly to the Ceding Company or its liquidator, receiver,
or statutory successor, on the basis of the liability of the Ceding
8
Company under the policy or policies reinsured without diminution because of the
insolvency of the Ceding Company. It is agreed, however, that the liquidator or
receiver or statutory successor of the insolvent Ceding Company shall give
written notice to the Pool of the pendency of a claim against the insolvent
Ceding Company on the policy reinsured within a reasonable time after such claim
is filed in the insolvency proceedings and that during the pendency of such
claim the Pool may investigate such claim and interpose, in the proceedings
where such claim is to be adjudicated, any defense or defenses which it may deem
available to the Ceding Company or its liquidator or receiver or statutory
successor. The expense thus incurred by the Pool shall be chargeable, subject to
court approval, against the insolvent Ceding Company as part of the expense of
liquidation to the extent of a proportionate share of the benefit which may
accrue to the Ceding Company solely as a result of the defense undertaken by the
Pool.
Where two or more reinsuring companies are involved in the same claim and a
majority in interest elect to interpose defense to such claim, the Pool share of
the expense thus incurred shall be determined in accordance with the terms of
this Agreement as though such expense had been incurred by the Ceding Company.
ARTICLE XVI
ARBITRATION
In case of any question or dispute arising between the Pool member(s) and the
Ceding Company relative to any transaction under this Agreement regarding which
the Pool member(s) and the Ceding Company are unable to agree, such question
shall be referred to three arbitrators to be chosen from the officers of life
insurance companies familiar with the reinsurance business, one of the
arbitrators to be chosen by the Pool member(s), another by the Ceding Company,
and the third by the two arbitrators. Arbitration will take place at the Home
Office of the Ceding Company in Richmond, Virginia. The decision of the
arbitrators, in any matter submitted to them, shall be final and binding upon
both the Pool and the Ceding Company. The expense of arbitration will be borne
as determined by the arbitrators.
ARTICLE XVII
INSPECTION OF RECORDS
The Pool shall have the right at all reasonable times to inspect all books and
papers at the office of the Ceding Company relating to the reinsurance effected
under this Agreement.
9
ARTICLE XVIII
PARTIES TO THE AGREEMENT
This Agreement is one for indemnity reinsurance and is made solely between the
Ceding Company and the Pool member indicated below. Acceptance of reinsurance
hereunder shall create no right or legal relation whatsoever between the Pool
member and the insured, owner, or beneficiary of the insurance policy contract
of the Ceding Company or between the Pool member and other Pool members.
THIS AGREEMENT, is executed in duplicate and becomes effective on the date shown
on page 1.
LIFE INSURANCE COMPANY OF VIRGINIA
By /s/ Illegible , Sr. Vice President
------------------------- --------------------
Authorized Officer Title
Attest:
By /s/ Illegible , Asst. Vice President
------------------------- -------------------
Authorized Officer Title
Date: 6/10/85
NORTH AMERICAN REASSURANCE COMPANY
By /s/ Illegible , Illegible - President
------------------------- ---------------------
Authorized Officer Title
Attest:
By /s/ Illegible , Illegible
------------------------- -------------------
Authorized Officer Title
Date: June 20, 1985
Reinsurance
Application/Cession Form
EXHIBIT A
[LOGO] North American Reassurance Company P.O. Box 2888, New York, N. _
CONFIRMATION OF REINSURANCE REINSURANCE NO.
[ ] CHECK IF THIS IS AN AUTOMATIC SUBMISSION AND INDICATE WHETHER POLICY WAS
ISSUED [ ] MEDICAL [ ] NON-MED
INSURED'S LAST NAME FIRST MIDDLE DATE OF BIRTH STATE OF BIRTH STATE OF RESIDENCE SEX AGE
PAYOR OR JOINT INSURED
PLEASE INDICATE [ ] YES [ ] NO SECOND LIFE TO BE REINSURED
LIFE ADD'L. LIFE BENEFIT ACCIDENT BENEFIT DISABILITY BENEFIT OTHER (SPECIFY)
---------------------------------------------------------------------------------------------------------------------------
INSURANCE IN FORCE OUR COMPANY
OF WHICH WE RETAIN
ISSUED /+/
RETAINED
REINSURED
---------------------------------------------------------------------------------------------------------------------------
PLEASE CORRECT ABOVE AMOUNTS IF ISSUED OTHER THAN AS APPLIED FOR
[ ] CHECK IF THIS CASE IS TO BE PLACED IN SPECIAL ACCOUNT POOL
ADDITIONAL INFORMATION:
--------------------------------------------------------
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
NAME OF CEDING COMPANY STATE DATE UNDERWRITER RESPONSIBLE FOR CASE
POLICY NO. INTERIM TERM POLICY DATE PLANS OF INSURANCE ISSUE AGE-NEAREST/LAST RATING
YR YR [ ] COINSURANCE COMMS. % BASIC LIFE PREMS. RIDER LIFE PREMS. BENEFIT PREMS. (SPECIFY) TOTAL COMMS.
----------------------------------------------------------------------------------------------------------------------------
YR AGE [ ] YRT RISK AMOUNTS REGULAR LIFE PREMS. FLAT EXTRA PREMS. FEE TOTAL PREMS.
COMPLETE ABOVE WITH RISKS, PREMIUMS AND COMMISSIONS ONLY IF PROCEDURE OF YOUR
SUBMISSION IS TO FURNISH THIS INFORMATION ______________________________________
________________________________________________________________________________
[LOGO] North American Reassurance Company P.0. Box 2888, New York, N. _
FACULTATIVE APPLICATION
HAS THIS RISK BEEN SUBMITTED TO NARe BEFORE EITHER FORMALLY OR
INFORMALLY [ ] YES [ ] NO
INSURED'S LAST NAME FIRST MIDDLE DATE OF BIRTH STATE OF BIRTH STATE OF RESIDENCE SEX AGE
PAYOR OR JOINT INSURED
PLEASE INDICATE [ ] YES [ ] NO SECOND LIFE TO BE CONSIDERED FOR REINSURANCE
LIFE *ADD'L. LIFE BENEFIT ACCIDENT BENEFIT DISABILITY BENEFIT OTHER (SPECIFY)
----------------------------------------------------------------------------------------------------------------------------
INSURANCE IN FORCE OUR COMPANY
OF WHICH WE RETAIN
NEW INSURANCE APPLIED FOR
OF WHICH WE WILL RETAIN
REINSURANCE APPLIED FOR
----------------------------------------------------------------------------------------------------------------------------
PLEASE INDICATE LIABILITY UNDER ADDITIONAL LIFE BENEFITS SUCH AS: INCREASING
TERM, DIVIDEND OPTIONS, CASH VALUE RIDER, ETC.
It is understood that the above named applicant has been given Pre-Notice
of the Medical Information Bureau and that the ceding company has in its
Home Office an approved Authorization form signed by this applicant.
PLEASE REPLY BY [ ] TELEPHONE [ ] DATAPHONE [ ] TELETYPE [ ] MAIL
NAME OF CEDING COMPANY STATE DATE UNDERWRITER RESPONSIBLE FOR CASE
REMARKS:
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[LOGO] North American Reassurance Company P.O. Box 2888, New York, N. Y. 10017
CANCELLATION NOTICE REINSURANCE NO.
[ ] CHECK IF THIS IS AN AUTOMATIC SUBMISSION AND INDICATE WHETHER POLICY WAS
ISSUED [ ] MEDICAL [ ] NON-MED
INSURED'S LAST NAME FIRST MIDDLE DATE OF BIRTH STATE OF BIRTH STATE OF RESIDENCE SEX AGE
PAYOR OR JOINT INSURED
PLEASE INDICATE [ ] YES [ ] NO SECOND LIFE TO BE REINSURED
LIFE ADD'L. LIFE BENEFIT ACCIDENT BENEFIT DISABILITY BENEFIT OTHER (SPECIFY)
--------------------------------------------------------------------------------------------------------------
INSURANCE IN FORCE OUR COMPANY
OF WHICH WE RETAIN
ISSUED /+/
RETAINED
REINSURED
--------------------------------------------------------------------------------------------------------------
PLEASE CORRECT ABOVE AMOUNTS IF ISSUED OTHER THAN AS APPLIED FOR
[ ] CHECK IF THIS CASE IS TO BE PLACED IN SPECIAL ACCOUNT POOL
ADDITIONAL INFORMATION:
--------------------------------------------------------
--------------------------------------------------------------------------------
--------------------------------------------------------------------------------
NAME OF CEDING COMPANY STATE DATE UNDERWRITER RESPONSIBLE FOR CASE
POLICY NO. INTERIM TERM POLICY DATE PLANS OF INSURANCE ISSUE AGE-NEAREST/LAST RATING
YR YR [ ] COINSURANCE COMMS.% BASIC LIFE PREMS. RIDER LIFE PREMS. BENEFIT PREMS. (SPECIFY) TOTAL COMMS.
--------------------------------------------------------------------------------------------------------------------------
YR AGE [ ] YRT RISK AMOUNTS REGULAR LIFE PREMS. FLAT EXTRA PREMS. FEE TOTAL PREMS.
REINSURANCE NOT REQUIRED: [ ] POLICY NOT PLACED [ ] AMOUNT PLACED WITHIN RETENTION [ ] REINSURANCE PLACED ELSEWHERE
___________________________________________________________________________________________________________ NARe
[LOGO] North American Reassurance Company P.O. Box 2888, New York, N.Y 10163
OUR NO.
YOUR NO.
CESSION EFFECTIVE DATE POLICY DATE
--------------------------------------------------------------------------------------------------------------------
NAME OF INSURED SEX AGE/BASIS DATE OF BIRTH STATE OF RESIDENCE SUBMISSION RETENTION MEDICAL
--------------------------------------------------------------------------------------------------------------------
PAYOR OR JOINT INSURED
POOL POOL RATIO
LIFE
PREVIOUS INSURANCE IN FORCE
OF WHICH WE RETAIN
---------------------------
NEW INSURANCE ISSUED
OF WHICH WE RETAIN
REINSURANCE HEREUNDER
PLAN OF INSURANCE
EXPIRES
RATES RATING
--------------------------------------------------------------------------------------------------------------------
MASTER REFERENCE CARD
RETENTION:
LAST NAME OF INSURED FIRST INITIAL SEX DATE OF BIRTH
MO. DAY YR. LIFE
--------------------------------------------------
DISABILITY
--------------------------------------------
ACCIDENT
----------------------------------------------
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POLICY NUMBER POLICY DATE AGE RATING PLAN(S) LIFE DISABILITY ACCIDENT
-----------------------------------------------------------------------------------
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TOTALS OF ABOVE
AS A PART OF OUR SERVICE, NARe PROVIDES BOTH A RECORD CARD AND A MASTER
REFERENCE CARD IN 8 X 5 SIZE.
BEND AND TEAR ALONG PERFORATIONS TO SEPARATE CARDS FOR FILE USE.
POL 100C 7/82
[LOGO] North American Reassurance Company P.O. Box 2888, New York, N.Y. 10163
OUR NO.
YOUR NO.
CESSION EFFECTIVE DATE POLICY DATE
------------------------------------------------------------------------------------------------------------------
NAME OF INSURED SEX AGE/BASIS DATE OF BIRTH STATE OF RESIDENCE SUBMISSION RETENTION MEDICAL
------------------------------------------------------------------------------------------------------------------
PAYOR OR JOINT INSURED
LIFE POOL POOL RATIO
PREVIOUS INSURANCE IN FORCE
OF WHICH WE RETAIN
NEW INSURANCE ISSUED
OF WHICH WE RETAIN
REINSURANCE HEREUNDER
PLAN OF INSURANCE
EXPIRES
RATES RATING
-------------------------------------------------------------------------------------------------------------------
REMARKS:
THIS CESSION ISSUED AT NEW YORK ON IS SUBJECT TO ALL THE TERMS
-------------
AND CONDITIONS OF THE REINSURANCE AGREEMENT.
NORTH AMERICAN REASSURANCE CO.
/s/ Illegible
-------------------------------------
Vice President, Operations & Planning
L(POL) 100B 7/82
[LOGO] North American Reassurance Company P.O. Box 2888, New York, N.Y. 10163
OUR NO.
YOUR NO.
CESSION EFFECTIVE DATE POLICY DATE
------------------------------------------------------------------------------------------------------------------
NAME OF INSURED SEX AGE/BASIS DATE OF BIRTH STATE OF RESIDENCE SUBMISSION RETENTION MEDICAL
------------------------------------------------------------------------------------------------------------------
PAYOR OR JOINT INSURED
LIFE POOL POOL RATIO
PREVIOUS INSURANCE IN FORCE
OF WHICH WE RETAIN
NEW INSURANCE ISSUED
OF WHICH WE RETAIN
REINSURANCE HEREUNDER
PLAN OF INSURANCE
EXPIRES
RATES RATING
-------------------------------------------------------------------------------------------------------------------
REMARKS:
THIS CESSION ISSUED AT NEW YORK ON IS SUBJECT TO ALL THE TERMS
-------------
AND CONDITIONS OF THE REINSURANCE AGREEMENT.
NORTH AMERICAN REASSURANCE CO.
/s/ Illegible
-------------------------------------
Vice President, Operations & Planning
L(POL) 100A 7/82
NORTH AMERICAN REASSURANCE COMPANY
[LOGO]
000 XXXX 00XX XXXXXX
XXX XXXX, XXX XXXX 00000
212/907-8000
DESCRIPTION OF CESSION FORM (POL 100 A-B-C 1/76)
The form represents our confirmation of reinsurance coverage.
It serves as either the Yearly Renewable Term or Coinsurance cession, and will
be used for New Issues, Changes in Policy and Extension Schedules.
The form is three (3) ply. We retain one copy and an exact duplicate is mailed
to you along with a third copy as a reinsurance record card. The bottom part of
the card copy also has a Master Reference Card, which is intended to keep record
of other policies in force on the life, if you wish.
The cession will be produced by computer after processing your Confirmation of
Reinsurance or Change Notification and premiums due will appear on our following
monthly Premium Statement.
If, after review of the completed cession for a particular issue, you should
find any discrepancies, please return the cession indicating corrections and/or
make remarks in the designated area on the form. We suggest that you still
retain the card copy for your records until a corrected cession is received.
1/1/77
NORTH AMERICAN REASSURANCE COMPANY
[LOGO]
000 XXXX 00XX XXXXXX
XXX XXXX, XXX XXXX 00000
212/907-8000
Directions for completing the Application for Reinsurance
Facultative and Automatic Submissions
(Form POL 100)
In the interest of improving reinsurance service, North American Re has adopted
a new method for handling initial submissions, both AUTOMATIC and FACULTATIVE.
The information requested is limited to the minimum needed to set up the initial
records in our files and the form may be typed or handwritten. If handwritten,
please write legibly (Accuracy is important). The form is 3 ply and contains:
1st Page - FACULTATIVE APPLICATION: (Facultative Submissions only).
To be completed and forwarded to North American Re accompanied by
other papers used in evaluation of risk.
2nd Page - CONFIRMATION OF REINSURANCE: (Facultative and Automatic Submissions).
FOR FACULTATIVE - After you receive acceptance from NARe and have
received first premium payment from insured, complete policy details
and forward this form to us.
FOR AUTOMATIC SUBMISSIONS - Discard page 1 Facultative Application,
and submit Confirmation page only, after policy is reported paid to
your company.
3rd Page - CANCELLATION NOTICE:
Serves as either your carbon copy of the reinsurance details submitted
until the formal cession is received by you or as notification to NARe
that reinsurance applied for is not required.
While applications are pending, Reinsurance Pending Inquiries are automatically
generated from our system and it is therefore important that submission of the
Confirmation and Cancellation notices are done on a timely schedule, to avert
unnecessary inquiries and double checking of records.
1/1/77
Page 2
HOW TO COMPLETE:
FACULTATIVE APPLICATION FORM
Has the risk been submitted to NARe before, either formally or informally,
please indicate yes or no.
Complete proposed insured's Last Name, First Name and Middle Initial, Date of
Birth, State of Birth and Residence, Sex and Age of Insured.
If a second life is involved, complete information as above also for this life
and indicate yes or no as to whether this life is also to be considered
for reinsurance.
Complete amount of insurance inforce with your company on this life, prior to
this application and also amount retained by you as your own risk.
Complete amount of new application, include additional risk and benefits that
increase liability, amount proposed as your retention on this case - and
Reinsurance applied for with NARe.
Indicate preference for method of reply by XXXx and complete with Name of your
Company, State located, Date and, to facilitate communication on underwriting,
Name of Underwriter submitting this case.
Remark on any situation particular to this one case or give additional,
information as needed.
CONFIRMATION OF REINSURANCE
If our reinsurance number for this particular case was given to you during
application period, indicate such in the top right corner.
If any amounts as applied for are changed, please indicate so in the space
provided next to column LIFE amount applied for and X out or change also
benefits if not issued or changed.
For AUTOMATIC SUBMISSIONS, check appropriate box and indicate whether policy was
issued on a Medical or Non-Medical basis.
(Refer to explanation of how to complete form under FACULTATIVE APPLICATIONS for
details of completion and continue as outlined below).
SPECIAL ACCOUNT POOL - Applicable only when Experience Refund Rates are used.
Policies that are rated 300% or over will automatically be placed in this pool,
unless there is a Special Agreement to do otherwise. However, any policy other
than substandard rating of 300% and over may be placed in the Special Account
Pool. If so desired, please indicate by checking the box before the confirmation
of Reinsurance is submitted.
Page 3
CONFIRMATION OF REINSURANCE (continued)
For the majority of cases, what remains to be completed is the Policy Data (Pink
line down below the middle of the form):
Policy Number, Interim Term (if any), Policy Date, Plans of Insurance, Issue
Age-basis used, and Mortality Rating for this policy.
Any comments you feel might be of help to us in processing and producing a
cession can be written under Additional Information.
The risk, premium and commission schedule is intended only for those Clients
whose practice it has been to furnish us with this information and need not be
completed if NARe is expected to provide calculations.
It has a double heading, check type of reinsurance YRT or CO-MODCOINSURANCE.
Complete information according to headings on line under type of reinsurance
checked and specify type of benefits. If other headings are needed, change
pre-printed headings to apply.
CANCELLATION NOTICE
If our reinsurance number for this particular case was given to you during
application period, indicate such in the top right hand corner and check
appropriate box for cancellation of application (Pink line, bottom of page).
MONTHLY RENEWABLE TERM REINSURANCE PREMIUMS
I. Monthly Standard Reinsurance Risk Premiums: The reinsurance premiums
for the plans shown below will be the Company's gross cost of
insurance rates attached to this Exhibit less the following percentage
reductions:
Years
------------------
Plan Class 1 2-10 11+
-------------- --------------- --- ---- ---
Challenger Preferred 100% 23% 23%
Nonsmoker 100 33 33
Smoker 100 33 33
Challenger/Max Preferred 100 11 11
Nonsmoker 100 19 19
Smoker 100 26 26
Contender Preferred 100 16 16
Nonsmoker 100 19 19
Smoker 100 30 30
Charger Preferred 100 50 30
Nonsmoker 100 50 40
Smoker 100 45 20
Charger/Xxx Preferred 100 11 11
Nonsmoker 100 19 23
Smoker 100 26 30
Charger/PT Nonsmoker 100 46 30
Special (Smoker) 100 36 25
II. Annualizing Monthly Premiums: Reinsurance on the above plans of
insurance ceded on an individual cession basis shall employ annual
reinsurance premiums developed by multiplying the monthly premium by
the factor 11.5.
III. Multiple Table Substandard Reinsurance Risk Premiums: The percentage
premium reductions specified in Section I., above shall apply to
multiple table substandard premiums.
IV. Maximum amount of reinsurance on one life on these reinsurance
premiums: $5,000,000. For the excess amount over $5,000,000 rate
schedule NRN-5833 will apply. The nonsmoker rates in this schedule
will be used for both preferred nonsmokers and nonsmokers.
V. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary except for the Charger
plan which shall not be eligible for recapture before the fifteenth
policy anniversary.
EXHIBIT B - Part 1
CHALLENGER
Table #3
NON-SMOKER Page 3 of 4
MALE
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15
1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16
2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17
3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18
4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19
5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20
6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .127 21
7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .127 .127 22
8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .127 .127 .127 23
9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .127 .127 .127 .127 24
10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .127 .127 .127 .127 .127 25
11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .127 .127 .127 .127 .127 .127 26
12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .127 .127 .127 .127 .127 .127 .127 27
13 .110 .110 .120 .120 .130 .140 .140 .140 .127 .127 .127 .127 .127 .127 .127 .127 28
14 .110 .120 .120 .130 .140 .140 .140 .127 .127 .127 .127 .127 .127 .127 .127 .127 29
15 .120 .120 .130 .140 .140 .140 .127 .127 .127 .127 .127 .127 .127 .127 .127 .128 30
16 .120 .130 .140 .140 .140 .127 .127 .127 .127 .127 .127 .127 .127 .127 .128 .129 31
17 .130 .140 .140 .140 .127 .127 .127 .127 .127 .127 .127 .127 .127 .128 .129 .129 32
18 .140 .140 .140 .127 .127 .127 .127 .127 .127 .127 .127 .127 .128 .129 .129 .130 33
19 .140 .140 .127 .127 .127 .127 .127 .127 .127 .127 .127 .128 .129 .129 .130 .132 34
20 .140 .127 .127 .127 .127 .127 .127 .127 .127 .127 .128 .129 .129 .130 .132 .145 35
21 .127 .127 .127 .127 .127 .127 .127 .127 .127 .128 .129 .129 .130 .132 .145 .152 36
22 .127 .127 .127 .127 .127 .127 .127 .127 .128 .129 .129 .130 .132 .145 .152 .161 37
23 .127 .127 .127 .127 .127 .127 .127 .128 .129 .129 .130 .132 .145 .152 .161 .172 38
24 .127 .127 .127 .127 .127 .127 .128 .129 .129 .130 .132 .145 .152 .161 .172 .183 39
25 .127 .127 .127 .127 .127 .128 .129 .129 .130 .132 .145 .152 .161 .172 .183 .197 40
26 .127 .127 .127 .127 .128 .129 .129 .130 .132 .145 .152 .161 .172 .183 .197 .208 41
27 .127 .127 .127 .128 .129 .129 .130 .132 .145 .152 .161 .172 .183 .197 .208 .221 42
28 .127 .127 .128 .129 .129 .130 .132 .145 .152 .161 .172 .183 .197 .208 .221 .236 43
29 .127 .128 .129 .129 .130 .132 .145 .152 .161 .172 .183 .197 .208 .221 .236 .253 44
30 .128 .129 .129 .130 .132 .145 .152 .161 .172 .183 .197 .208 .221 .236 .253 .274 45
31 .129 .129 .130 .132 .145 .152 .161 .172 .183 .197 .208 .221 .236 .253 .274 .300 46
32 .129 .130 .132 .145 .152 .161 .172 .183 .197 .208 .221 .236 .253 .274 .300 .330 47
33 .130 .132 .145 .152 .161 .172 .183 .197 .208 .221 .236 .253 .274 .300 .330 .362 48
34 .132 .145 .152 .161 .172 .183 .197 .208 .221 .236 .253 .274 .300 .330 .362 .398 49
35 .145 .152 .161 .172 .183 .197 .208 .221 .236 .253 .274 .300 .330 .362 .398 .436 50
36 .152 .161 .172 .183 .197 .208 .221 .236 .253 .274 .300 .330 .362 .398 .436 .474 51
37 .161 .172 .183 .197 .208 .221 .236 .253 .274 .300 .330 .362 .398 .436 .474 .514 52
38 .172 .183 .197 .208 .221 .236 .253 .274 .300 .330 .362 .398 .436 .474 .514 .557 53
39 .183 .197 .208 .221 .236 .253 .274 .300 .330 .362 .398 .436 .474 .514 .557 .608 54
40 .197 .208 .221 .236 .253 .274 .300 .330 .362 .398 .436 .474 .514 .557 .608 .667 55
41 .204 .221 .236 .253 .274 .300 .330 .362 .398 .436 .474 .514 .557 .608 .667 .726 56
42 .212 .230 .253 .274 .300 .330 .362 .398 .436 .474 .514 .557 .608 .667 .726 .789 57
43 .220 .241 .267 .300 .330 .362 .398 .436 .474 .514 .557 .608 .667 .726 .789 .860 58
44 .230 .254 .286 .322 .362 .398 .436 .474 .514 .557 .608 .667 .726 .789 .860 .940 59
45 .243 .272 .307 .345 .387 .436 .474 .514 .557 .608 .667 .726 .789 .860 .940 1.030 60
46 .260 .291 .329 .369 .414 .462 .514 .557 .608 .667 .726 .789 .860 .940 1.030 1.120 61
47 .278 .312 .351 .394 .438 .486 .541 .608 .667 .726 .789 .860 .940 1.030 1.120 1.220 62
48 .297 .333 .375 .417 .461 .513 .572 .647 .726 .789 .860 .940 1.030 1.120 1.220 1.330 63
49 .317 .355 .397 .440 .487 .543 .609 .681 .762 .860 .940 1.030 1.120 1.220 1.330 1.450 64
50 .338 .375 .418 .463 .515 .578 .642 .715 .802 .905 1.030 1.120 1.220 1.330 1.450 1.590 65
51 .356 .394 .441 .490 .549 .609 .676 .753 .845 .956 1.090 1.220 1.330 1.450 1.590 1.730 66
52 .374 .415 .466 .522 .579 .642 .712 .795 .894 1.013 1.151 1.283 1.450 1.590 1.730 1.890 67
53 .393 .439 .496 .551 .609 .676 .752 .843 .949 1.070 1.210 1.344 1.505 1.730 1.890 2.060 68
54 .415 .466 .523 .579 .643 .716 .798 .895 1.005 1.126 1.267 1.399 1.577 1.793 2.060 2.210 69
55 .440 .490 .550 .610 .680 .760 .850 .950 1.060 1.180 1.320 1.470 1.640 1.840 2.070 2.333 70
56 .444 .499 .577 .669 .751 .820 .912 1.020 1.118 1.227 1.362 1.545 1.767 1.996 2.311 2.626 71
57 .448 .543 .657 .741 .790 .873 .980 1.055 1.133 1.254 1.449 1.693 1.922 2.272 2.553 2.963 72
58 .495 .600 .690 .752 .835 .958 1.049 1.158 1.248 1.431 1.647 1.852 2.159 2.422 2.951 3.333 73
59 .542 .640 .713 .797 .935 1.042 1.172 1.261 1.413 1.600 1.782 2.046 2.290 2.675 3.173 3.749 74
60 .589 .675 .759 .913 1.036 1.165 1.269 1.395 1.554 1.711 1.934 2.159 2.532 3.012 3.588 4.219 75
61 .636 .721 .890 1.029 1.165 1.262 1.377 1.507 1.641 1.821 2.027 2.388 2.852 3.428 4.101 4.750 76
62 .683 .868 1.023 1.151 1.259 1.359 1.461 1.571 1.708 1.896 2.244 2.691 3.267 3.983 4.544 5.344 77
63 .776 .947 1.088 1.246 1.411 1.521 1.635 1.762 1.923 2.211 2.578 3.052 3.689 4.271 5.075 6.009 78
64 .870 1.026 1.234 1.437 1.563 1.683 1.809 1.954 2.178 2.465 2.837 3.394 3.999 4.806 5.778 6.737 79
65 .963 1.221 1.423 1.580 1.715 1.845 1.983 2.145 2.352 2.622 3.100 3.726 4.537 5.546 6.530 7.514 80
66 1.081 1.359 1.577 1.744 1.896 2.044 2.204 2.395 2.638 2.945 3.478 4.174 5.071 6.187 7.259 8.330 81
67 1.212 1.498 1.730 1.920 2.098 2.274 2.467 2.698 2.986 3.336 3.929 4.697 5.681 6.901 7.854 9.232 82
68 1.358 1.640 1.885 2.106 2.322 2.542 2.784 3.070 3.413 3.812 4.470 5.308 6.374 7.696 8.903 10.214 83
69 1.521 1.791 2.048 2.305 2.570 2.850 3.160 3.515 3.923 4.380 5.107 6.013 7.157 8.574 9.928 11.340 84
70 1.699 1.949 2.220 2.515 2.842 3.200 3.595 4.035 4.519 5.038 5.840 6.813 8.029 9.537 10.993 12.597 85
71 1.907 2.157 2.445 2.773 3.145 3.555 4.013 4.532 5.100 5.692 6.584 7.657 8.992 10.646 12.232 13.678 86
72 2.137 2.367 2.672 3.043 3.480 3.969 4.522 5.144 5.815 6.490 7.476 8.642 10.081 11.86_ 13.452 14.855 87
73 2.360 2.598 2.920 3.340 3.850 4.432 5.095 5.840 6.629 7.399 8.489 9.754 11.303 13.226 14.804 16.109 88
74 2.582 2.852 3.191 3.665 4.260 4.950 5.741 6.630 7.558 8.436 9.640 11.009 12.672 14.742 15.665 17.190 89
75 2.805 3.131 3.487 4.022 4.713 5.527 6.468 7.527 8.617 9.618 10.946 12.424 13.822 15.220 16.618 18.016 90
18.668 91
19.327 92
20.416 93
22.077 94
CHALLENGER
Table #3
NON-SMOKER Page 4 of 4
FEMALE
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15
1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16
2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17
3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18
4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19
5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20
6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .110 21
7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .110 .110 22
8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .110 .110 .110 23
9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .110 .110 .110 .110 24
10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .110 .110 .110 .110 .110 25
11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .110 .110 .110 .110 .110 .110 26
12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .110 .110 .110 .110 .110 .110 .110 27
13 .100 .100 .110 .110 .120 .120 .120 .120 .110 .110 .110 .110 .110 .110 .110 .110 28
14 .100 .110 .110 .120 .120 .120 .120 .110 .110 .110 .110 .110 .110 .110 .110 .110 29
15 .110 .110 .120 .120 .120 .120 .110 .110 .110 .110 .110 .110 .110 .110 .110 .111 30
16 .110 .120 .120 .120 .120 .110 .110 .110 .110 .110 .110 .110 .110 .110 .111 .112 31
17 .120 .120 .120 .120 .110 .110 .110 .110 .110 .110 .110 .110 .110 .111 .112 .112 32
18 .120 .120 .120 .110 .110 .110 .110 .110 .110 .110 .110 .110 .111 .112 .112 .113 33
19 .120 .120 .110 .110 .110 .110 .110 .110 .110 .110 .110 .111 .112 .112 .113 .115 34
20 .120 .110 .110 .110 .110 .110 .110 .110 .110 .110 .111 .112 .112 .113 .115 .119 35
21 .110 .110 .110 .110 .110 .110 .110 .110 .110 .111 .112 .112 .113 .115 .119 .127 36
22 .110 .110 .110 .110 .110 .110 .110 .110 .111 .112 .112 .113 .115 .119 .127 .136 37
23 .110 .110 .110 .110 .110 .110 .110 .111 .112 .112 .113 .115 .119 .127 .136 .147 38
24 .110 .110 .110 .110 .110 .110 .111 .112 .112 .113 .115 .119 .127 .136 .147 .158 39
25 .110 .110 .110 .110 .110 .111 .112 .112 .113 .115 .119 .127 .136 .147 .158 .171 40
26 .110 .110 .110 .110 .111 .112 .112 .113 .115 .119 .127 .136 .147 .158 .171 .182 41
27 .110 .110 .110 .111 .112 .112 .113 .115 .119 .127 .136 .147 .158 .171 .182 .193 42
28 .110 .110 .111 .112 .112 .113 .115 .119 .127 .136 .147 .158 .171 .182 .193 .206 43
29 .110 .111 .112 .112 .113 .115 .119 .127 .136 .147 .158 .171 .182 .193 .206 .221 44
30 .111 .112 .112 .113 .115 .119 .127 .136 .147 .158 .171 .182 .193 .206 .221 .240 45
31 .112 .112 .113 .115 .119 .127 .136 .147 .158 .171 .182 .193 .206 .221 .240 .263 46
32 .112 .113 .115 .119 .127 .136 .147 .158 .171 .182 .193 .206 .221 .240 .263 .291 47
33 .113 .115 .119 .127 .136 .147 .158 .171 .182 .193 .206 .221 .240 .263 .291 .320 48
34 .115 .119 .127 .136 .147 .158 .171 .182 .193 .206 .221 .240 .263 .291 .320 .352 49
35 .119 .127 .136 .147 .158 .171 .182 .193 .206 .221 .240 .263 .291 .320 .352 .381 50
36 .127 .136 .147 .158 .171 .182 .193 .206 .221 .240 .263 .291 .320 .352 .381 .416 51
37 .136 .147 .158 .171 .182 .193 .206 .221 .240 .263 .291 .320 .352 .381 .416 .451 52
38 .147 .158 .171 .182 .193 .206 .221 .240 .263 .291 .320 .352 .381 .416 .451 .487 53
39 .158 .171 .182 .193 .206 .221 .240 .263 .291 .320 .352 .381 .416 .451 .487 .525 54
40 .171 .182 .193 .206 .221 .240 .263 .291 .320 .352 .381 .416 .451 .487 .525 .567 55
41 .179 .193 .206 .221 .240 .263 .291 .320 .352 .381 .416 .451 .487 .525 .567 .615 56
42 .185 .201 .221 .240 .263 .291 .320 .352 .381 .416 .451 .487 .525 .567 .615 .670 57
43 .192 .211 .234 .263 .291 .320 .352 .381 .416 .451 .487 .525 .567 .615 .670 .725 58
44 .201 .222 .251 .284 .320 .352 .381 .416 .451 .487 .525 .567 .615 .670 .725 .784 59
45 .213 .238 .271 .305 .342 .381 .416 .451 .487 .525 .567 .615 .670 .725 .784 .849 60
46 .228 .257 .291 .326 .362 .405 .451 .487 .525 .567 .615 .670 .725 .784 .849 .923 61
47 .245 .276 .310 .344 .384 .426 .473 .525 .567 .615 .670 .725 .784 .849 .923 1.004 62
48 .263 .295 .328 .366 .404 .449 .494 .550 .615 .670 .725 .784 .849 .923 1.004 1.088 63
49 .280 .310 .348 .386 .426 .469 .518 .577 .647 .725 .784 .849 .923 1.004 1.088 1.178 64
50 .295 .329 .367 .405 .445 .491 .544 .607 .676 .755 .849 .923 1.004 1.088 1.178 1.276 65
51 .312 .346 .386 .423 .467 .516 .574 .635 .705 .788 .898 1.004 1.088 1.178 1.276 1.383 66
52 .328 .363 .402 .444 .490 .545 .600 .663 .737 .835 .947 1.050 1.178 1.276 1.383 1.503 67
53 .344 .379 .422 .467 .517 .570 .627 .695 .782 .881 .990 1.092 1.208 1.383 1.503 1.633 68
54 .358 .396 .443 .492 .542 .597 .658 .738 .827 .921 1.029 1.123 1.261 1.426 1.633 1.768 69
55 .374 .415 .467 .514 .567 .626 .700 .782 .867 .959 1.059 1.175 1.304 1.459 1.656 1.919 70
56 .376 .424 .486 .558 .619 .676 .751 .834 .908 .985 1.089 1.229 1.401 1.597 1.901 2.076 71
57 .380 .458 .548 .611 .651 .718 .802 .857 .909 1.002 1.152 1.342 1.538 1.869 2.018 2.214 72
58 .417 .500 .569 .620 .687 .784 .852 .929 .998 1.138 1.306 1.482 1.776 1.915 2.205 2.329 73
59 .452 .528 .5_8 .656 .765 .847 .941 1.008 1.124 1.268 1.426 1.683 1.810 1.999 2.217 2.597 74
60 .485 .556 .625 .747 .842 .935 1.014 1.109 1.232 1.369 1.591 1.707 1.892 2.105 2.485 2.906 75
61 .524 .593 .728 .83_ .953 1.009 1.095 1.195 1.313 1.498 1.602 1.784 1.993 2.375 2.825 3.289 76
62 .562 .710 .831 .924 1.006 1.081 1.158 1.257 1.405 1.499 1.677 1.880 2.263 2.743 3.146 3.714 77
63 .635 .769 .873 .996 1.122 1.206 1.308 1.449 1.520 1.652 1.801 2.114 2.541 2.957 3.527 4.183 78
64 .707 .823 .986 1.143 1.239 1.346 1.488 1.545 1.627 1.722 1.965 2.338 2.769 3.340 4.022 4.707 79
65 .773 .976 1.132 1.252 1.372 1.518 1.568 1.603 1.644 1.816 2.135 2.580 3.153 3.861 4.575 5.288 80
66 .864 1.081 1.250 1.395 1.560 1.616 1.647 1.674 1.827 2.028 2.408 2.901 3.530 4.323 5.110 5.899 81
67 .964 1.187 1.384 1.579 1.659 1.699 1.724 1.869 2.057 2.310 2.731 3.270 3.969 4.857 5.562 6.573 82
68 1.077 1.312 1.550 1.665 1.735 1.776 1.929 2.115 2.3_3 2.649 3.112 3.709 4.486 5.450 6.339 7.336 83
69 1.217 1.473 1.619 1.722 1.796 1.974 2.177 2.434 2.726 3.049 3.568 4.232 5.068 6.105 7.131 8.269 84
70 1.300 1.484 1.670 1.866 2.068 2.288 2.527 2.804 3.146 3.519 4.110 4.825 5.717 6.850 8.015 9.402 85
71 1.452 1.623 1.814 2.018 2.248 2.499 2.789 3.155 3.563 4.00_ 4.663 5.452 6.458 7.762 9.130 10.625 86
72 1.608 1.756 1.944 2.175 2.446 2.758 3.148 3.594 4.093 4.59_ 5.323 6.207 7.351 8.856 10.449 12.078 87
73 1.751 1.891 2.087 2.348 2.676 3.085 3.559 4.110 4.694 5.268 6.097 7.112 8.436 10.274 12.037 13.660 88
74 1.879 2.039 2.243 2.547 2.966 3.458 4.041 4.695 5.381 6.059 7.029 8.217 9.844 11.986 13.283 15.040 89
75 2.005 2.201 2.423 2.800 3.292 3.890 4.580 5.359 6.189 7.013 8.170 9._51 11.238 12.906 14.540 16.004 90
16.725 91
17.317 92
18.076 93
19.091 94
MALE
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15
1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16
2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17
3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18
4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19
5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20
6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .188 21
7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .188 .188 22
8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .188 .188 .188 23
9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .188 .188 .188 .188 24
10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .188 .188 .188 .188 .188 25
11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .188 .188 .188 .188 .188 .188 26
12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .188 .188 .188 .188 .188 .188 .188 27
13 .110 .110 .120 .120 .130 .140 .140 .140 .188 .188 .188 .188 .188 .188 .188 .188 28
14 .110 .120 .120 .130 .140 .140 .140 .188 .188 .188 .188 .188 .188 .188 .188 .188 29
15 .120 .120 .130 .140 .140 .140 .188 .188 .188 .188 .188 .188 .188 .188 .188 .188 30
16 .120 .130 .140 .140 .140 .188 .188 .188 .188 .188 .188 .188 .188 .188 .188 .190 31
17 .130 .140 .140 .140 .188 .188 .188 .188 .188 .188 .188 .188 .188 .188 .190 .192 32
18 .140 .140 .140 .188 .188 .188 .188 .188 .188 .188 .188 .188 .188 .190 .192 .196 33
19 .140 .140 .188 .188 .188 .188 .188 .188 .188 .188 .188 .188 .190 .192 .196 .201 34
20 .140 .188 .188 .188 .188 .188 .188 .188 .188 .188 .188 .190 .192 .196 .201 .223 35
21 .188 .188 .188 .188 .188 .188 .188 .188 .188 .188 .190 .192 .196 .201 .223 .236 36
22 .188 .188 .188 .188 .188 .188 .188 .188 .188 .190 .192 .196 .201 .223 .236 .252 37
23 .188 .188 .188 .188 .188 .188 .188 .188 .190 .192 .196 .201 .223 .236 .252 .271 38
24 .188 .188 .188 .188 .188 .188 .188 .190 .192 .196 .201 .223 .236 .252 .271 .292 39
25 .188 .188 .188 .188 .188 .188 .190 .192 .196 .201 .223 .236 .252 .271 .292 .316 40
26 .188 .188 .188 .188 .188 .190 .192 .196 .201 .223 .236 .252 .271 .292 .316 .335 41
27 .188 .188 .188 .188 .190 .192 .196 .201 .223 .236 .252 .271 .292 .316 .335 .356 42
28 .188 .188 .188 .190 .192 .196 .201 .223 .236 .252 .271 .292 .316 .335 .356 .379 43
29 .188 .188 .190 .192 .196 .201 .223 .236 .252 .271 .292 .316 .335 .356 .379 .407 44
30 .188 .190 .192 .196 .201 .223 .236 .252 .271 .292 .316 .335 .356 .379 .407 .440 45
31 .190 .192 .196 .201 .223 .236 .252 .271 .292 .316 .335 .356 .379 .407 .440 .483 46
32 .192 .196 .201 .223 .236 .252 .271 .292 .316 .335 .356 .379 .407 .440 .483 .530 47
33 .196 .201 .223 .236 .252 .271 .292 .316 .335 .356 .379 .407 .440 .483 .530 .583 48
34 .201 .223 .236 .252 .271 .292 .316 .335 .356 .379 .407 .440 .483 .530 .583 .640 49
35 .223 .236 .252 .271 .292 .316 .335 .356 .379 .407 .440 .483 .530 .583 .640 .701 50
36 .236 .252 .271 .292 .316 .335 .356 .379 .407 .440 .483 .530 .583 .640 .701 .763 51
37 .252 .271 .292 .316 .335 .356 .379 .407 .440 .483 .530 .583 .640 .701 .763 .826 52
38 .271 .292 .316 .335 .356 .379 .407 .440 .483 .530 .583 .640 .701 .763 .826 .896 53
39 .292 .316 .335 .356 .379 .407 .440 .483 .530 .583 .640 .701 .763 .826 .896 .977 54
40 .316 .335 .356 .379 .407 .440 .483 .530 .583 .640 .701 .763 .826 .896 .977 1.073 55
41 .333 .35_ .379 .407 .440 .483 .530 .583 .640 .701 .763 .826 .896 .977 1.073 1.179 56
42 .352 .380 .407 .440 .483 .530 .583 .640 .701 .763 .826 .896 .977 1.073 1.179 1.296 57
43 .378 .40_ .436 .483 .530 .583 .640 .701 .763 .826 .896 .977 1.073 1.179 1.296 1.428 58
44 .404 .433 .467 .518 .583 .640 .701 .763 .826 .896 .977 1.073 1.179 1.296 1.428 1.581 59
45 .430 .463 .500 .555 .624 .701 .763 .826 .896 .977 1.073 1.179 1.296 1.428 1.581 1.760 60
46 .457 .494 .535 .595 .669 .752 .826 .896 .977 1.073 1.179 1.296 1.428 1.581 1.760 1.938 61
47 .485 .527 .573 .637 .716 .805 .887 .977 1.073 1.179 1.296 1.428 1.581 1.760 1.938 2.132 62
48 .516 .563 .613 .683 .767 .862 .951 1.05_ 1.179 1.296 1.428 1.581 1.760 1.938 2.132 2.342 63
49 .548 .601 .657 .732 .822 .923 1.020 1.130 1.266 1.428 1.581 1.760 1.938 2.132 2.342 2.567 64
50 .583 .642 .703 .785 .880 .988 1.093 1.214 1.359 1.531 1.760 1.938 2.132 2.342 2.567 2.808 65
51 .619 .685 .753 .841 .942 1.058 1.172 1.304 1.460 1.642 1.877 2.132 2.342 2.567 2.808 3.071 66
52 .658 .731 .806 .902 1.009 1.132 1.257 1.402 1.567 1.760 2.002 2.264 2.567 2.808 3.071 3.351 67
53 .699 .781 .863 .966 1.081 1.212 1.348 1.507 1.683 1.887 2.136 2.404 2.714 3.071 3.351 3.639 68
54 .743 .834 .925 1.036 1.158 1.298 1.445 1.619 1.807 2.024 2.278 2.552 2.867 3.227 3.639 3.924 69
55 .790 .890 .990 1.110 1.240 1.390 1.550 1.740 1.940 2.170 2.430 2.710 3.030 3.390 3.790 4.204 70
56 .833 .923 1.087 1.230 1.345 1.502 1.689 1.859 2.038 2.273 2.553 2.875 3.248 3.675 4.000 4.527 71
57 .876 .956 1.184 1.351 1.449 1.614 1.829 1.978 2.136 2.376 2.676 3.041 3.466 3.960 4.211 4.892 72
58 .919 1.048 1.284 1.462 1.578 1.745 1.952 2.110 2.284 2.542 2.867 3.266 3.740 4.297 4.591 5.273 73
59 .963 1.140 1.384 1.573 1.707 1.876 2.076 2.242 2.432 2.707 3.057 3.491 4.014 4.634 4.970 5.689 74
60 1.006 1.231 1.484 1.684 1.837 2.006 2.199 2.374 2.580 2.873 3.248 3.715 4.288 4.970 5.350 6.145 75
61 1.027 1.323 1.584 1.795 1.966 2.137 2.323 2.506 2.728 3.038 3.438 3.940 4.562 5.307 5.729 6.646 76
62 1.092 1.415 1.684 1.906 2.095 2.268 2.446 2.638 2.876 3.204 3.629 4.165 4.836 5.644 6.109 7.186 77
63 1.165 1.502 1.777 1.998 2.188 2.365 2.549 2.753 3.010 3.356 3.806 4.378 5.097 5.963 6.650 7.773 78
64 1.237 1.588 1.869 2.091 2.282 2.462 2.651 2.869 3.144 3.507 3.983 4.591 5.359 6.283 7.192 8.387 79
65 1.310 1.675 1.962 2.183 2.375 2.559 2.754 2.984 3.278 3.659 4.160 4.804 5.620 6.602 7.733 9.008 80
66 1.387 1.755 2.044 2.265 2.466 2.661 2.873 3.12_ 3.447 3.853 4.404 5.115 6.016 7.107 8.376 9.622 81
67 1.466 1.819 2.105 2.340 2.559 2.777 3.014 3.300 3.656 4.088 4.683 5.447 6.413 7.586 8.348 10.278 82
68 1.544 1.869 2.151 2.406 2.654 2.907 3.185 3.515 3.910 4.370 5.035 5.877 6.940 8.242 9.805 10.967 83
69 1.623 1.913 2.189 2.465 2.750 3.050 3.382 3.764 4.202 4.692 5.421 6.328 7.466 8.871 10.590 11.748 84
70 1.699 1.949 2.220 2.515 2.842 3.200 3.595 4.035 4.519 5.038 5.840 6.813 8.029 9.537 10.993 12.597 85
71 1.907 2.157 2.445 2.773 3.145 3.555 4.013 4.532 5.100 5.692 6.584 7.657 8.992 10.646 12.232 13.678 86
72 2.137 2.367 2.672 3.043 3.480 3.969 4.522 5.144 5.815 6.490 7.476 8.642 10.081 11.866 13.452 14.855 87
73 2.360 2.598 2.920 3.340 3.850 4.432 5.095 5.840 6.629 7.399 8.489 9.754 11.303 13.226 14.304 16.109 88
74 2.582 2.852 3.191 3.665 4.2_0 4.950 5.741 6.630 7.558 8.436 9.640 11.009 12.672 14.742 15.665 17.1_0 89
75 2.805 3.131 3.487 4.022 4.713 5.527 6.468 7.527 8.617 9.618 10.946 12.424 13.822 15.220 16.618 18.016 90
18.668 91
19.327 92
20.416 93
22.077 94
CHALLENGER Table #3
Page 2 of 4
SPECIAL CLASS
FEMALE
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15
1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16
2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17
3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18
4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19
5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20
6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .163 21
7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .163 .163 22
8 .090 .090 .O90 .090 .090 .100 .100 .110 .110 .120 l20 .120 .120 .163 .163 .163 23
9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .163 .163 .163 .163 24
10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .163 .163 .163 .163 .163 25
11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .163 .163 .163 .163 .163 .163 26
12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .163 .163 .163 .163 .163 .163 .163 27
13 .100 .100 .110 .110 .120 .120 .120 .120 .163 .163 .163 .163 .163 .163 .163 .163 28
14 .100 .110 .110 .120 .120 .120 .120 .163 .163 .163 .163 .163 .163 .163 .163 .163 29
15 .110 .110 .120 .120 .120 .120 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 30
16 .110 .120 .120 .120 .120 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .165 31
17 .120 .120 .120 .120 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .165 .167 32
18 .120 .120 .120 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .165 .167 .170 33
19 .120 .120 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .165 .167 .170 .175 34
20 .120 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .165 .167 .170 .175 .184 35
21 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .165 .167 .170 .175 .184 .197 36
22 .163 .163 .163 .163 .163 .163 .163 .163 .163 .165 .167 .170 .175 .184 .197 .213 37
23 .163 .163 .163 .163 .163 .163 .163 .163 .165 .167 .170 .175 .184 .197 .213 .232 38
24 .163 .163 .163 .163 .163 .163 .163 .165 .167 .170 .175 .184 .197 .213 .232 .253 39
25 .163 .163 .163 .163 .163 .163 .165 .167 .170 .175 .184 .197 .213 .232 .253 .275 40
26 .163 .163 .163 .163 .163 .165 .167 .170 .175 .184 .197 .213 .232 .253 .275 .293 41
27 .163 .163 .163 .163 .165 .167 .170 .175 .184 .197 .213 .232 .253 .275 .293 .311 42
28 .163 .163 .163 .165 .167 .170 .175 .184 .197 .213 .232 .253 .275 .293 .311 .331 43
29 .163 .163 .165 .167 .170 .175 .184 .197 .213 .232 .253 .275 .293 .311 .331 .355 44
30 .163 .165 .l67 .170 .175 .184 .197 .213 .232 .253 .275 .293 .311 .331 .355 .385 45
31 .165 .167 .170 .175 .184 .197 .213 .232 .253 .275 .293 .311 .331 .355 .385 .424 46
32 .167 .170 .175 .184 .197 .213 .232 .253 .275 .293 .311 .331 .355 .385 .424 .467 47
33 .170 .175 .184 .197 .213 .232 .253 .275 .293 .311 .331 .355 .385 .424 .467 .515 48
34 .175 .184 .197 .213 .232 .253 .275 .293 .311 .331 .355 .385 .424 .467 .515 .56_ 49
35 .184 .197 .213 .232 .253 .275 .293 .311 .331 .355 .385 .424 .467 .515 .566 .619 50
36 .197 .213 .232 .253 .275 .293 .311 .331 .355 .385 .424 .467 .515 .566 .619 .668 51
37 .213 .232 .253 .275 .293 .311 .331 .355 .385 .424 .467 .515 .566 .619 .668 .716 52
38 .232 .253 .275 .293 .311 .331 .355 .385 .424 .467 .515 .566 .619 .668 .716 .769 53
39 .253 .275 .293 .311 .331 .355 .385 .424 .467 .515 .566 .619 .668 .716 .769 .831 54
40 .275 .293 .311 .331 .355 .385 .424 .467 .515 .566 .619 .668 .716 .769 .831 .908 55
41 .291 .311 .331 .355 .385 .424 .467 .515 .566 .619 .668 .716 .769 .831 .908 1.001 56
42 .308 .332 .355 .385 .424 .467 .515 .566 .619 .668 .716 .769 .831 .908 1.001 1.106 57
43 .330 .354 .382 .424 .467 .515 .566 .619 .668 .716 .769 .831 .908 1.001 1.106 1.222 58
44 .352 .379 .410 .456 .515 .566 .619 .668 .716 .769 .831 .908 1.001 1.106 1.222 1.349 59
45 .376 .406 .441 .490 .552 .619 .668 .716 .769 .831 .908 1.001 1.106 1.222 1.349 1.485 60
46 .401 .435 .473 .526 .591 .658 .716 .769 .831 .908 1.001 1.106 1.222 1.349 1.485 1.618 61
47 .427 .466 .507 .562 .627 .698 .761 .831 .908 1.001 1.106 1.222 1.349 1.485 1.618 1.763 62
48 .456 .498 .541 .598 .665 .740 .809 .889 1.001 1.106 1.222 1.349 1.485 1.618 1.763 1.908 63
49 .485 .531 .575 .635 .705 .785 .863 .959 1.080 1.222 1.349 1.485 1.618 1.763 1.908 2.063 64
50 .515 .562 .609 .674 .748 .836 .928 1.036 1.163 1.306 1.485 1.618 1.763 1.908 2.063 2.228 65
51 .542 .594 .646 .715 .797 .898 1.000 1.116 1.24_ 1.385 1.567 1.763 1.908 2.063 2.228 2.402 66
52 .570 .627 .686 .763 .857 .966 1.076 1.196 1.322 1.469 1.656 1.844 2.063 2.228 2.402 2.587 67
53 .600 .664 .730 .820 .923 1.037 1.150 1.272 1.405 1.560 1.740 1.932 2.153 2.402 2.587 2.783 68
54 .632 .706 .785 .884 .991 1.108 1.219 1.352 1.494 1.649 1.831 2.025 2.242 2.491 2.783 2.994 69
55 .669 .756 .845 .950 1.058 1.173 1.294 1.439 1.580 1.744 1.928 2.120 2.339 2.593 2.892 3.217 70
56 .707 .788 .930 1.050 1.135 1.254 1.397 1.515 1.638 1.804 1.997 2.220 2.484 2.804 3.061 3.447 71
57 .748 .818 1.010 1.140 1.210 1.335 1.490 1.590 1.695 1.858 2.066 2.326 2.645 3.030 3.206 3.681 72
58 .786 .894 1.083 1.221 1.305 1.422 1.5_9 1.674 1.786 1.962 2.193 2.492 2.862 3.272 3.455 3.912 73
59 .822 .962 1.155 1.301 1.391 1.508 1.647 1.754 1.878 2.070 2.332 2.671 3.056 3.487 3.687 4.140 74
60 .849 1.02_ 1.227 1.372 1.476 1.592 1.720 1.833 1.973 2.192 2.485 2.829 3.227 3.687 3.893 4.393 75
61 .857 1.094 1.290 1.443 1.560 1.671 1.793 1.917 2.081 2.325 2.618 2.965 3.385 3.862 4.096 4.672 76
62 .903 1.153 1.353 1.512 1.639 1.751 1.871 2.013 2.201 2.440 2.731 3.090 3.519 4.035 4.295 4.994 77
63 .949 1.207 1.410 1.563 1.689 1.809 1.945 2.107 2.292 2.525 2.824 3.186 3.644 4.192 4.622 5.411 78
64 .994 1.260 1.462 1.614 1.745 1.878 2.029 2.185 2.366 2.602 2.899 3.282 3.767 4.366 5.007 5.859 79
65 1.039 1.310 1.515 1.669 1.812 1.958 2.097 2.245 2.432 2.663 2.974 3.377 3.906 4.596 5.402 6.340 80
66 1.085 1.355 1.563 1.728 1.887 2.026 2.1_2 2.319 2.508 2.754 3.096 3.555 4.188 4.965 5.895 6.814 81
67 1.132 1.391 1.606 1.791 1.949 2.090 2.236 2.401 2.614 2.874 3.255 3.7_2 4.480 5.339 5.912 7.318 82
68 1.181 1.426 1.646 1.832 1.997 2.157 2.318 2.513 2.749 3.037 3.505 4.106 4.885 5.837 6.981 7.877 83
69 1.238 1.464 1.667 1.855 2.040 2.220 2.418 2.646 2.920 3.266 3.787 4.454 5.287 6._16 7.606 8.566 84
70 1.300 1.484 1.670 1.866 2.068 2.288 2.527 2.804 3.146 3.519 4.110 4.825 5.717 6.850 8.015 9.402 85
71 1.452 1.623 1.814 2.018 2.248 2.499 2.7_9 3.155 3.563 4.006 4.663 5.452 6.458 7.762 9.130 10.625 86
72 1.608 1.756 1.944 2.175 2.446 2.758 3.148 3.594 4.093 4.59_ 5.323 6.207 7.351 8.856 10.449 12.078 87
73 1.751 1.891 2.087 2.348 2.676 3.085 3.559 4.110 4.694 5.268 6.097 7.112 8.436 10.274 12.037 13.660 88
74 1.879 2.039 2.243 2.547 2.966 3.458 4.041 4.695 5.381 6.059 7.029 8.217 9.844 11.986 13.283 15.040 89
75 2.005 2.201 2.423 2.800 3.292 3.890 4.580 5.359 6.189 7.013 8.170 9.651 11.238 12.906 14.540 16.004 90
16.725 91
17.317 92
18.07_ 93
19.0_1 94
CHALLENGER Table #4
Page 1 of 2
PREFERRED NON-SMOKER
MALE
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15
1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16
2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17
3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18
4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19
5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20
6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .089 21
7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .089 .089 22
8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .089 .089 .089 23
9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .089 .089 .089 .089 24
10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .089 .089 .089 .089 .089 25
11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .089 .089 .089 .089 .089 .089 26
12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .089 .089 .089 .089 .089 .089 .089 27
13 .110 .110 .120 .120 .130 .140 .140 .140 .089 .089 .089 .089 .089 .089 .089 .089 28
14 .110 .120 .120 .130 .140 .140 .140 .089 .089 .089 .089 .089 .089 .089 .089 .089 29
15 .120 .120 .130 .140 .140 .140 .089 .089 .089 .089 .089 .089 .089 .089 .089 .090 30
16 .120 .130 .140 .140 .140 .089 .089 .089 .089 .089 .089 .089 .089 .089 .090 .090 31
17 .130 .140 .140 .140 .089 .089 .089 .089 .089 .089 .089 .089 .089 .090 .090 .090 32
18 .140 .140 .140 .089 .089 .089 .089 .089 .089 .089 .089 .089 .090 .090 .090 .091 33
19 .140 .140 .089 .089 .089 .089 .089 .089 .089 .089 .089 .090 .090 .090 .091 .092 34
20 .140 .089 .089 .089 .089 .089 .089 .089 .089 .089 .090 .090 .090 .091 .092 .102 35
21 .089 .089 .089 .089 .089 .089 .089 .089 .089 .090 .090 .090 .091 .092 .102 .106 36
22 .089 .089 .089 .089 .089 .089 .089 .089 .090 .090 .090 .091 .092 .102 .106 .113 37
23 .089 .089 .089 .089 .089 .089 .089 .090 .090 .090 .091 .092 .102 .106 .113 .120 38
24 .089 .089 .089 .089 .089 .089 .090 .090 .090 .091 .092 .102 .106 .113 .120 .128 39
25 .089 .089 .089 .089 .089 .090 .090 .090 .091 .092 .102 .106 .113 .120 .128 .138 40
26 .089 .089 .089 .089 .090 .090 .090 .091 .092 .102 .106 .113 .120 .128 .138 .147 41
27 .089 .089 .089 .090 .090 .090 .091 .092 .102 .106 .113 .120 .128 .138 .147 .157 42
28 .089 .089 .090 .090 .090 .091 .092 .102 .106 .113 .120 .128 .138 .147 .157 .169 43
29 .089 .090 .090 .090 .091 .092 .102 .106 .113 .120 .128 .138 .147 .157 .169 .182 44
30 .090 .090 .090 .091 .092 .102 .106 .113 .120 .128 .138 .147 .157 .169 .182 .199 45
31 .090 .090 .091 .092 .102 .106 .113 .120 .128 .138 .147 .157 .169 .182 .199 .219 46
32 .090 .091 .092 .102 .106 .113 .120 .128 .138 .147 .157 .169 .182 .199 .219 .243 47
33 .091 .092 .102 .106 .113 .120 .128 .138 .147 .157 .169 .182 .199 .219 .243 .268 48
34 .092 .102 .106 .113 .120 .128 .138 .147 .157 .169 .182 .199 .219 .243 .268 .297 49
35 .102 .106 .113 .120 .128 .138 .147 .157 .169 .182 .199 .219 .243 .268 .297 .327 50
36 .106 .113 .120 .128 .138 .147 .157 .169 .182 .199 .219 .243 .268 .297 .327 .356 51
37 .113 .120 .128 .138 .147 .157 .169 .182 .199 .219 .243 .268 .297 .327 .355 .386 52
38 .120 .128 .138 .147 .157 .169 .182 .199 .219 .243 .268 .297 .327 .355 .385 .418 53
39 .128 .138 .147 .157 .169 .182 .199 .219 .243 .268 .297 .327 .355 .385 .418 .456 54
40 .138 .147 .157 .169 .182 .199 .219 .243 .268 .297 .327 .355 .385 .418 .456 .500 55
41 .141 .157 .169 .182 .199 .219 .243 .268 .297 .327 .355 .385 .418 .456 .500 .545 56
42 .144 .159 .182 .199 .219 .243 .268 .297 .327 .355 .385 .418 .456 .500 .544 .592 57
43 .147 .165 .186 .219 .243 .268 .297 .327 .355 .385 .418 .456 .500 .544 .592 .645 58
44 .152 .172 .198 .229 .268 .297 .327 .355 .385 .418 .456 .500 .544 .592 .645 .705 59
45 .158 .182 .212 .245 .283 .327 .355 .385 .418 .456 .500 .544 .592 .645 .705 .773 60
46 .172 .197 .229 .264 .304 .341 .385 .418 .456 .500 .544 .592 .645 .705 .772 .846 61
47 .186 .214 .247 .284 .323 .360 .403 .456 .500 .544 .592 .645 .705 .772 .846 .927 62
48 .202 .231 .266 .302 .341 .382 .428 .486 .544 .592 .645 .705 .772 .846 .927 1.017 63
49 .219 .250 .285 .321 .362 .406 .457 .514 .578 .645 .705 .772 .846 .927 1.017 1.117 64
50 .237 .267 .302 .340 .385 .434 .484 .542 .611 .692 .772 .846 .927 1.017 1.116 1.232 65
51 .253 .284 .322 .363 .412 .459 .512 .573 .646 .734 .839 .927 1.017 1.116 1.232 1.349 66
52 .269 .302 .343 .389 .436 .486 .541 .607 .686 .781 .890 .995 1.116 1.232 1.349 1.484 67
53 .287 .323 .369 .413 .461 .514 .574 .647 .731 .828 .940 1.047 1.177 1.349 1.484 1.627 68
54 .307 .347 .392 .437 .489 .547 .612 .689 .777 .875 .988 1.095 1.240 1.415 1.627 1.757 69
55 .330 .269 .416 .464 .519 .583 .654 .735 .823 .920 1.034 1.156 1.296 1.460 1.649 1.866 70
56 .335 .378 .439 .511 .576 .631 .705 .792 .871 .960 1.069 1.217 1.398 1.585 1.842 2.101 71
57 .340 .414 .503 .569 .609 .675 .760 .822 .885 .983 1.140 1.336 1.522 1.805 2.036 2.370 72
58 .379 .460 .531 .581 .647 .744 .817 .905 .978 1.125 1.298 1.464 1.712 1.926 2.354 2.666 73
59 .417 .494 .552 .618 .727 .813 .917 .989 1.111 1.261 1.408 1.620 1._1_ 2.129 2.532 2.999 74
60 .456 .524 .591 .712 .810 .913 .996 1.097 1.225 1.352 1.531 1.713 2.013 2.400 2.864 3.375 75
61 .496 .563 .697 .807 .915 .993 1.085 1.190 1.298 1.442 1.608 1.898 2.270 2.733 3.275 3.800 76
62 .536 .682 .805 .907 .993 1.074 1.156 1.244 1.354 1.505 1.784 2.142 2.604 3.178 3.631 4.275 77
63 .613 .749 .861 .987 1.118 1.207 1.298 1.400 1.529 1.760 2.054 2.433 2.944 3.411 4.057 4.807 78
64 .692 .816 .982 1.144 1.245 1.341 1.442 1.558 1.737 1.967 2.265 2.711 3.195 3.842 4.620 5.390 79
65 .770 .977 1.138 1.264 1.372 1.476 1.586 1.716 1.882 2.098 2.480 2.981 3.630 4.437 5.224 6.011 80
66 .865 1.087 1.262 1.395 1.517 1.635 1.763 1.916 2.110 2.356 2.782 3.339 4.057 4.950 5.807 6.664 81
67 .970 1.198 1.384 1.536 1.678 1.819 1.974 2.158 2.389 2.669 3.143 3.758 4.545 5.521 6.283 7.386 82
68 1.086 1.312 1.508 1.685 1.858 2.034 2.227 2.456 2.730 3.050 3.57_ 4.246 5.099 6.157 7.122 8.171 83
69 1.217 1.433 1.638 1.844 2.056 2.280 2.528 2.812 3.138 3.504 4.086 4.810 5.726 6.859 7.942 9.072 84
10.078 85
10.942 86
11.884 87
12.887 88
13.752 89
14.413 90
14.934 91
15.462 92
16.333 93
17.662 94
CHALLANGER Table #4
Page 2 of 2
PREFERRED NON-SMOKER
FEMALE
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15
1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16
2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17
3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18
4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19
5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20
6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .075 21
7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .075 .075 22
8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .075 .075 .075 23
9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .075 .075 .075 .075 24
10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .075 .075 .075 .075 .075 25
11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .075 .075 .075 .075 .075 .075 26
12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .075 .075 .075 .075 .075 .075 .075 27
13 .100 .100 .110 .110 .120 .120 .120 .120 .075 .075 .075 .075 .075 .075 .075 .075 28
14 .100 .110 .110 .120 .120 .120 .120 .075 .075 .075 .075 .075 .075 .075 .075 .075 29
15 .110 .110 .120 .120 .120 .120 .075 .075 .075 .075 .075 .075 .075 .075 .075 .075 30
16 .110 .120 .120 .120 .120 .075 .075 .075 .075 .075 .075 .075 .075 .075 .075 .076 31
17 .120 .120 .120 .120 .075 .075 .075 .075 .075 .075 .075 .075 .075 .075 .076 .076 32
18 .120 .120 .120 .075 .075 .075 .075 .075 .075 .075 .075 .075 .075 .076 .076 .077 33
19 .120 .120 .075 .075 .075 .075 .075 .075 .075 .075 .075 .075 .076 .076 .077 .078 34
20 .120 .075 .075 .075 .075 .075 .075 .075 .075 .075 .075 .076 .076 .077 .078 .079 35
21 .075 .075 .075 .075 .075 .075 .075 .075 .075 .075 .076 .076 .077 .078 .079 .083 36
22 .075 .075 .075 .075 .075 .075 .075 .075 .075 .076 .076 .077 .078 .079 .083 .087 37
23 .075 .075 .075 .075 .075 .075 .075 .075 .076 .076 .077 .078 .079 .083 .087 .092 38
24 .075 .075 .075 .075 .075 .075 .075 .076 .076 .077 .078 .079 .083 .087 .092 .097 39
25 .075 .075 .075 .075 .075 .075 .076 .076 .077 .078 .079 .083 .087 .092 .097 .103 40
26 .075 .075 .075 .075 .075 .076 .076 .077 .078 .079 .083 .087 .092 .097 .103 .109 41
27 .075 .075 .075 .075 .076 .076 .077 .078 .079 .083 .087 .092 .097 .103 .109 .116 42
28 .075 .075 .075 .076 .076 .077 .078 .079 .083 .087 .092 .097 .103 .109 .116 .124 43
29 .075 .075 .076 .076 .077 .078 .079 .083 .087 .092 .097 .103 .109 .116 .124 .133 44
30 .075 .076 .076 .077 .078 .079 .083 .087 .092 .097 .103 .109 .116 .124 .133 .145 45
31 .076 .076 .077 .078 .079 .083 .087 .092 .097 .103 .109 .116 .124 .133 .145 .159 46
32 .076 .077 .078 .079 .083 .087 .092 .097 .103 .109 .116 .124 .133 .145 .159 .177 47
33 .077 .078 .079 .083 .087 .092 .097 .103 .109 .116 .124 .133 .145 .159 .177 .195 48
34 .078 .079 .083 .087 .092 .097 .103 .109 .116 .124 .133 .145 .159 .177 .195 .214 49
35 .079 .083 .087 .092 .097 .103 .109 .116 .124 .133 .145 .159 .177 .195 .214 .232 50
36 .083 .087 .092 .097 .103 .109 .116 .124 .133 .145 .159 .177 .195 .214 .232 .255 51
37 .087 .092 .097 .103 .109 .116 .124 .133 .145 .159 .177 .195 .214 .232 .255 .279 52
38 .092 .097 .103 .109 .116 .124 .133 .145 .159 .177 .195 .214 .232 .255 .279 .303 53
39 .097 .103 .109 .116 .124 .133 .145 .159 .177 .195 .214 .232 .255 .279 .303 .329 54
40 .103 .109 .116 .124 .133 .145 .159 .177 .195 .214 .232 .255 .279 .303 .329 .357 55
41 .106 .116 .124 .133 .145 .159 .177 .195 .214 .232 .255 .279 .303 .329 .357 .390 56
42 .107 .118 .133 .145 .159 .177 .195 .214 .232 .255 .279 .303 .329 .357 .390 .427 57
43 .109 .122 .138 .159 .177 .195 .214 .232 .255 .279 .303 .329 .357 .390 .427 .465 58
44 .113 .127 .147 .169 .195 .214 .232 .255 .279 .303 .329 .357 .390 .427 .465 .506 59
45 .117 .134 .157 .181 .209 .232 .255 .279 .303 .329 .357 .390 .427 .465 .506 .552 60
46 .127 .146 .170 .194 .221 .249 .279 .303 .329 .357 .390 .427 .465 .506 .552 .600 61
47 .137 .158 .181 .206 .234 .262 .293 .329 .357 .390 .427 .465 .506 .552 .600 .653 62
48 .149 .170 .193 .219 .246 .276 .306 .343 .390 .427 .465 .506 .552 .600 .653 .707 63
49 .160 .180 .205 .232 .260 .288 .321 .360 .407 .465 .506 .552 .600 .653 .707 .766 64
50 .170 .192 .217 .244 .271 .302 .337 .379 .426 .479 .552 .600 .653 .707 .766 .829 65
51 .181 .203 .230 .255 .285 .317 .356 .397 .444 .500 .572 .653 .707 .766 .829 .899 66
52 .192 .215 .240 .268 .299 .335 .372 .414 .463 .529 .602 .671 .766 .829 .899 .977 67
53 .203 .226 .253 .283 .315 .350 .388 .433 .491 .557 .629 .697 .774 .899 .977 1.061 68
54 .213 .237 .267 .298 .331 .367 .407 .459 .518 .581 .653 .716 .808 .918 1.061 1.149 69
55 .224 .250 .283 .312 .346 .384 .433 .486 .543 .604 .671 .748 .835 .939 1.071 1.247 70
56 .226 .256 .294 .339 .378 .416 .466 .521 .572 .625 .694 .788 .903 1.035 1.239 1.360 71
57 .228 .276 .332 .372 .398 .443 .499 .538 .575 .639 .739 .866 .998 1.220 1.324 1.461 72
58 .250 .302 .345 .378 .421 .485 .532 .58_ .635 .731 .843 .963 1.1_1 1.259 1.458 1.549 73
59 .271 .319 .357 .400 .470 .525 .590 .638 .719 .819 .927 1.101 1.191 1.323 1.477 1.740 74
60 .291 .336 .380 .457 .518 .582 .638 .705 .792 .890 1.041 1.124 1.253 1.403 1.667 1.962 75
61 .314 .358 .443 .513 .578 .631 .692 .764 .849 .980 1.055 1.182 1.329 1.594 1.909 2.237 76
62 .337 .430 .507 .569 .625 .679 .736 .809 .914 .98_ 1.111 1.25_ 1.520 1.854 2.141 2.544 77
63 .381 .466 .534 .616 .700 .762 .836 .937 .995 1.094 1.201 1.419 1.718 2.013 2.417 2.886 78
64 .424 .499 .605 .709 .777 .854 .956 1.005 1.071 1.147 1.318 1.580 1.884 2.289 2.776 3.271 79
65 .464 .593 .696 .779 .864 .968 1.013 1.048 1.088 1.217 1.441 1.754 2.160 2.664 3.180 3.702 80
66 .518 .657 .769 .868 .983 1.031 1.064 1.095 1.209 1.359 1.625 1.973 2.418 2.983 3.551 4.129 81
67 .578 .721 .851 .983 1.045 1.084 1.114 1.222 1.362 1.548 1.843 2.22_ 2.719 3.351 3.8_6 4.601 82
68 .646 .797 .953 1.036 1.093 1.133 1.246 1.383 1.564 1.775 2.101 2.522 3.073 3.761 4.406 5.135 83
69 .730 .895 .996 1.072 1.131 1.259 1.406 1.592 1.805 2.043 2.408 2.878 3.472 4.212 4.956 5.788 84
6.581 85
7.438 86
8.455 87
9.562 88
10.528 89
11.203 90
11.708 91
12.122 92
12.653 93
13.364 94
CHALLENGER/MAX Table #14
Page 3 of 4
NON-SMOKER
MALE
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15
1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16
2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17
3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18
4 .110 .110 100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19
5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20
6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .138 21
7 .100 100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .134 .138 22
8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .131 .134 .139 23
9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .127 .131 .135 .139 24
10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .123 .127 .131 .135 .139 25
11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .118 .123 .127 .131 .135 .139 26
12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .114 .118 .123 .127 .131 .135 .139 27
13 .110 .110 .120 .120 .130 .140 .140 .140 .110 .114 .118 .123 .127 .131 .135 .140 28
14 .110 .120 .120 .130 .140 .140 .140 .107 .110 .114 .118 .123 .127 .131 .136 .142 29
15 .120 .120 .130 .140 .140 .140 .102 .107 .110 .114 .118 .123 .127 .132 .138 .144 30
16 .120 .130 .140 .140 .140 .098 .102 .107 .110 .114 .118 .123 .128 .133 .139 .146 31
17 .130 .140 .140 .140 .096 .098 .102 .107 .110 .114 .118 .124 .129 .134 .141 .149 32
18 .140 .140 .140 .093 .096 .098 .102 .107 .110 .114 .119 .124 .129 .136 .144 .151 33
19 .140 .140 .090 .093 .096 .098 .102 .107 .110 .114 .119 .124 .131 .139 .145 .154 34
20 .141 .086 .090 .094 .096 .098 .102 .107 .111 .114 .119 .126 .133 .140 .149 .159 35
21 .083 .086 .092 .094 .096 .098 .102 .107 .111 .114 .121 .128 .134 .143 .151 .161 36
22 .084 .087 .093 .095 .097 .099 .103 .108 .112 .115 .121 .128 .135 .145 .155 .168 37
23 .085 .088 .094 .096 .098 .100 .104 .109 .113 .116 .122 .130 .139 .150 .162 .176 38
24 .086 .089 .095 .097 .099 .101 .105 .110 .114 .118 .125 .134 .144 .157 .170 .187 39
25 .087 .090 .096 .098 .100 .102 .106 .111 .115 .120 .128 .140 .151 .164 .180 .197 40
26 .088 .091 .097 .099 .101 .103 .107 .111 .116 .122 .131 .144 .157 .172 .190 .209 41
27 .089 .092 .098 .100 .102 .104 .108 .113 .119 .126 .137 .151 .166 .182 .202 .224 42
28 .089 .093 .099 .101 .103 .106 .111 .117 .125 .133 .145 .160 .176 .194 .217 .240 43
29 .090 .094 .100 .103 .106 .110 .115 .123 .132 .141 .155 .171 .188 .208 .233 .260 44
30 .092 .097 .103 .107 .110 .11_ .121 .130 .141 .151 .167 .184 .202 .224 .252 .283 45
31 .094 .100 .106 .111 .115 .121 .127 .138 .150 .162 .180 .197 .217 .242 .273 .307 46
32 .094 .102 .108 .115 .120 .128 .135 .147 .161 .175 .194 .213 .234 .262 .296 .334 47
33 .095 .104 .111 .119 .125 .134 .143 .156 .171 .187 .208 .229 .252 .282 .321 .362 48
34 .095 .104 .114 .123 .132 .141 .152 .166 .182 .200 .223 .247 .271 .305 .349 .393 49
35 .095 .10_ .117 .128 .138 .149 .162 .177 .194 .214 .240 .266 .293 .329 .379 .428 50
36 .096 .108 .122 .134 .146 .159 .173 .189 .208 .231 .259 .288 .317 .357 .413 .467 51
37 .098 .112 .129 .142 .156 .170 .187 .204 .225 .249 .280 .312 .344 .389 .450 .508 52
38 .103 .119 .137 .153 .167 .185 .203 .222 .245 .271 .304 .339 .376 .425 .490 .553 53
39 .108 .128 .148 .166 .180 .201 .221 .242 .267 .294 .331 .368 .410 .465 .533 .602 54
40 .115 .138 .159 .179 .194 .219 .240 .264 .291 .320 .360 .399 .448 .508 .580 .659 55
41 .125 .151 .174 .196 .212 .240 .264 .289 .319 .349 .393 .436 .492 .558 .635 .722 56
42 .134 .164 .189 .214 .231 .262 .288 .316 .347 .380 .427 .475 .539 .612 .695 .781 57
43 .143 .175 .204 .232 .251 .284 .313 .343 .376 .411 .462 .516 .588 .671 .761 .841 58
44 .152 .186 .219 .249 .272 .306 .338 .371 .404 .441 .498 .559 .641 .732 .833 .925 59
45 .162 .198 .235 .268 .295 .329 .365 .400 .434 .474 .537 .605 .697 .798 .910 1.010 60
46 .182 .221 .262 .298 .329 .366 .406 .443 .479 .522 .589 .666 .769 .880 1.003 1.102 61
47 .191 .233 .280 .318 .352 .392 .439 .479 .516 .564 .637 .721 .834 .956 1.087 1.205 62
48 .199 .248 .299 .340 .376 .424 .477 .522 .562 .615 .691 .783 .906 1.037 1.172 1.324 63
49 .208 .264 .319 .362 .400 .458 .520 .568 .612 .671 .751 .850 .983 1.123 1.261 1.457 64
50 .217 .281 .340 .387 .425 .495 .565 .618 .667 .732 .816 .921 1.066 1.215 1.354 1.601 65
51 .218 .290 .354 .404 .443 .523 .602 .660 .712 .785 .874 .989 1.143 1.304 1.447 1.758 66
52 .231 .310 .381 .436 .476 .563 .650 .712 .769 .850 .947 1.072 1.237 1.411 1.563 1.921 67
53 .245 .329 .408 .468 .510 .600 .695 .760 .821 .910 1.016 1.153 1.329 1.523 1.694 2.092 68
54 .260 .347 .436 .501 .545 .637 .739 .806 .871 .969 1.086 1.235 1.422 1.639 1.835 2.262 69
55 .275 .367 .466 .537 .584 .676 .784 .854 .923 1.031 1.162 1.325 1.523 1.764 1.985 2.441 70
56 .292 .388 .498 .577 .626 .717 .830 .903 .978 1.097 1.245 1.427 1.637 1.897 2.141 2.754 71
57 .312 .414 .536 .625 .677 .765 .880 .960 1.043 1.174 1.342 1.549 1.772 2.046 2.304 3.114 72
58 .337 .445 .580 .685 .739 .822 .933 1.022 1.119 1.261 1.455 1.700 1.939 2.212 2.466 3.508 73
59 .364 .481 .630 .754 .810 .883 .989 1.089 1.201 1.356 1.580 1.870 2.127 2.391 2.633 3.952 74
60 .396 .521 .685 .828 .886 .952 1.051 1.162 1.291 1.461 1.780 2.203 2.580 2.947 3.298 4.454 75
61 .446 .587 .772 .938 1.004 1.066 1.163 1.290 1.442 1.637 2.007 2.496 2.908 3.281 3.634 5.020 76
62 .505 .664 .867 1.054 1.133 1.195 1.295 1.434 1.612 1.837 2.261 2.806 3.253 3.640 4.013 5.653 77
63 .581 .761 .980 1.179 1.276 1.341 1.443 1.582 1.781 2.041 2.520 3.097 3.563 3.977 4.394 6.363 78
64 .670 .875 1.109 1.314 1.433 1.504 1.609 1.739 1.958 2.258 2.795 3.388 3.866 4.315 4.793 7.140 79
65 .764 .997 1.243 1.452 1.601 1.683 1.796 1.921 2.1_4 2.511 3.111 3.719 4.211 4.706 5.259 7.969 80
66 .858 1.116 1.375 1.590 1.773 1.879 2.014 2.146 2.423 2.826 3.494 4.131 4.655 5.207 5.849 8.839 81
67 .939 1.219 1.492 1.718 1.945 2.091 2.268 2.435 2.763 3.232 3.976 4.672 5.258 5.882 6.623 9.800 82
68 .990 1.276 1.559 1.818 2.099 2.309 2.558 2.812 3.224 3.780 4.621 5.445 6.139 6.819 7.657 10.848 83
69 1.031 1.325 1.631 1.919 2.253 2.547 2.886 3.245 3.754 4.412 5.350 6.304 7.108 7.887 8.821 12.049 84
70 1.067 1.379 1.703 2.012 2.415 2.812 3.257 3.740 4.364 5.129 6.156 7.245 8.212 9.091 10.181 13.390 85
71 1.078 1.393 1.717 2.046 2.516 3.021 3.576 4.192 4.919 5.765 6.853 8.103 9.227 10.250 11.471 14.543 86
72 1.086 1.396 1.722 2.073 2.620 3.24_ 3.927 4.686 5.515 6.439 7.623 9.044 10.392 11.554 12.921 15.799 87
73 1.179 1.518 1.875 2.261 2.859 3.545 4.281 5.087 5.956 6.957 8.228 9.801 11.275 12.545 14.032 17.136 88
74 1.281 1.653 2.046 2.467 3.121 3.864 4.647 5.495 6.435 7.510 8.916 10.632 12.242 13.624 15.218 18.289 89
75 1.395 1.803 2.231 2.693 3.403 4.195 5.020 5.938 6.946 8.138 9.673 11.545 13.296 14.775 16.245 19.170 90
CHALLENGER/MAX Table #14
Page 4 of 4
NON-SMOKER
FEMALE
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15
1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16
2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17
3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18
4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19
5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20
6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .112 21
7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .109 .112 22
8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .107 .109 .112 23
9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .104 .107 .109 .112 24
10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .101 .104 .107 .109 .112 25
11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .098 .101 .104 .107 .109 .113 26
12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .096 .098 .101 .104 .107 .110 .113 27
13 .100 .100 .110 .110 .120 .120 .120 .120 .093 .096 .099 .101 .104 .107 .110 .114 28
14 .100 .110 .110 .120 .120 .120 .120 .090 .093 .096 .099 .101 .105 .107 .111 .116 29
15 .110 .110 .120 .120 .120 .120 .088 .090 .093 .096 .099 .102 .105 .109 .113 .117 30
16 .110 .120 .120 .120 .120 .085 .088 .091 .093 .096 .099 .102 .106 .110 .114 .119 31
17 .120 .120 .120 .120 .082 .085 .088 .091 .093 .096 .099 .104 .107 .111 .116 .121 32
18 .120 .120 .120 .079 .082 .085 .088 .091 .093 .096 .101 .105 .108 .113 .119 .123 33
19 .120 .120 .077 .079 .083 .085 .088 .091 .094 .098 .102 .105 .111 .116 .121 .125 34
20 .121 .074 .077 .081 .083 .085 .088 .091 .096 .099 .102 .108 .114 .118 .124 .129 35
21 .072 .074 .080 .081 .083 .085 .088 .093 .096 .099 .105 .111 .116 .122 .128 .135 36
22 .073 .075 .081 .082 .084 .086 .089 .094 .097 .100 .105 .111 .117 .123 .130 .142 37
23 .074 .076 .081 .083 .085 .087 .090 .095 .098 .101 .106 .113 .118 .125 .137 .150 38
24 .074 .077 .082 .084 .086 .087 .091 .096 .099 .103 .107 .115 .120 .133 .145 .161 39
25 .075 .078 .083 .085 .087 .088 .092 .096 .100 .103 .108 .117 .128 .140 .155 .171 40
26 .076 .079 .084 .086 .088 .089 .093 .096 .101 .104 .109 .122 .134 .149 .165 .183 41
27 .077 .080 .085 .087 .089 .090 .094 .098 .102 .105 .116 .129 .143 .158 .177 .194 42
28 .077 .081 .086 .088 .089 .092 .096 .100 .104 .112 .124 .138 .153 .170 .190 .209 43
29 .078 .082 .087 .089 .092 .095 .098 .103 .112 .121 .134 .148 .164 .182 .203 .227 44
30 .080 .084 .089 .093 .094 .098 .101 .110 .121 .130 .145 .161 .176 .196 .220 .248 45
31 .082 .087 .092 .095 .097 .101 .107 .118 .130 .141 .157 .172 .189 .211 .239 .269 46
32 .082 .089 .093 .097 .100 .108 .115 .127 .140 .153 .169 .186 .204 .229 .259 .295 47
33 .083 .089 .094 .099 .106 .115 .123 .135 .150 .163 .182 .200 .221 .247 .283 .320 48
34 .083 .089 .095 .104 .113 .122 .132 .145 .159 .175 .195 .216 .238 .269 .309 .348 49
35 .083 .089 .099 .109 .119 .129 .142 .155 .169 .187 .210 .233 .258 .291 .335 .374 50
36 .083 .091 .104 .116 .127 .139 .151 .165 .182 .202 .227 .254 .280 .316 .361 .410 51
37 .083 .096 .111 .123 .136 .148 .163 .178 .197 .218 .247 .276 .304 .340 .395 .446 52
38 .088 .103 .119 .134 .146 .161 .177 .194 .215 .239 .269 .300 .329 .373 .430 .484 53
39 .093 .111 .129 .145 .157 .176 .194 .212 .235 .260 .293 .322 .360 .408 .466 .520 54
40 .100 .121 .139 .156 .169 .192 .210 .233 .257 .283 .315 .350 .393 .444 .501 .560 55
41 .110 .132 .152 .171 .1_6 .210 .233 .255 .282 .305 .345 .383 .430 .482 .540 .612 56
42 .117 .143 .165 .187 .203 .231 .255 .279 .303 .334 .375 .415 .465 .520 .589 .663 57
43 .125 .153 .179 .203 .221 .251 .277 .300 .330 .361 .404 .446 .500 .568 .646 .709 58
44 .133 .163 .192 .220 .240 .271 .295 .326 .354 .386 .430 .475 .543 .622 .702 .771 59
45 .142 .173 .207 .237 .261 .287 .320 .351 .379 .409 .456 .512 .592 .673 .759 .833 60
46 .160 .195 .232 .263 .288 .321 .356 .387 .414 .444 .499 .566 .648 .734 .827 .908 61
47 .168 .206 .247 .278 .309 .344 .384 .414 .439 .478 .541 .608 .696 .788 .896 .992 62
48 .176 .220 .262 .298 .330 .371 .412 .444 .476 .522 .583 .653 .747 .855 .964 1.083 63
49 .184 .231 .280 .318 .350 .396 .442 .481 .520 .566 .626 .701 .810 .924 1.032 1.184 64
50 .189 .247 .299 .339 .367 .420 .479 .525 .562 .611 .673 .759 .877 .994 1.100 1.285 65
51 .191 .255 .310 .349 .377 .443 .511 .557 .594 .647 .720 .814 .935 1.059 1.161 1.405 66
52 .203 .271 .329 .371 .403 .478 .548 .594 .634 .701 .779 .877 1.005 1.132 1.249 1.528 67
53 .214 .284 .347 .397 .433 .506 .579 .627 .677 .749 .831 .937 1.067 1.218 1.347 1.658 68
54 .224 .295 .369 .426 .459 .531 .609 .665 .717 .793 .882 .991 1.137 1.304 1.455 1.810 69
55 .234 .311 .396 .452 .487 .557 .646 .703 .755 .838 .932 1.059 1.211 1.399 1.588 2.008 70
56 .247 .330 .419 .481 .516 .591 .683 .738 .794 .881 .995 1.135 1.298 1.518 1.761 2.177 71
57 .265 .349 .447 .515 .558 .629 .720 .780 .837 .938 1.067 1.228 1.418 1.683 1.821 2.327 72
58 .284 .371 .478 .565 .608 .673 .758 .820 .895 1.003 1.154 1.360 1.595 1.749 1.975 2.451 73
59 .304 .397 .520 .621 .663 .718 .794 .871 .955 1.075 1.264 1.538 1.681 1.787 2.130 2.738 74
60 .326 .429 .564 .677 .720 .764 .840 .924 1.023 1.169 1.464 1.742 1.928 2.060 2.284 2.068 75
61 .367 .483 .631 .762 .806 .852 .925 1.023 1.154 1.347 1.586 1.865 2.032 2.273 2.503 3.47_ 76
62 .416 .543 .704 .846 .905 .951 1.026 1.147 1.326 1.452 1.690 1.960 2.253 2.507 2.778 3.929 77
63 .475 .618 .786 .942 1.015 1.063 1.154 1.301 1.408 1.525 1.760 2.145 2.454 2.753 3.054 4.429 78
64 .544 .702 .8_6 1.045 1.136 1.203 1.323 1.375 1.463 1.577 1.936 2.334 2.677 2.999 3.336 4.989 79
65 .613 .7_7 .989 1.151 1.281 1.385 1.420 1.436 1.513 1.739 2.143 2.575 2.926 3.276 3.685 5.608 80
66 .636 .888 1.090 1.272 1.459 1.486 1.502 1.562 1.678 1.946 2.419 2.871 3.240 3.638 4.117 6.259 81
67 .747 .966 1.194 1.413 1.538 1.562 1.585 1.687 1.903 2.238 2.764 3.253 3.673 4.140 4.690 6.977 82
68 .785 1.021 1.282 1.424 1.568 1.613 1.772 1.937 2.232 2.627 3.217 3.805 4.321 4.829 5.452 7.791 83
69 .825 1.034 1.289 1.434 1.574 1.764 1.988 2.247 2.609 3.071 3.738 4.437 5.033 5.616 6.336 8.786 84
70 .830 1.050 1.295 1.493 1.757 2.011 2.289 2.599 3.038 3.583 4.332 5.131 5.847 6.530 7.423 9.994 85
71 .836 1.068 1.301 1.525 1.798 2.124 2.485 2.918 3.437 4.057 4.854 5.770 6.627 7.473 8.562 11.297 86
72 .855 1.087 1.320 1.552 1.842 2.256 2.734 3.274 3.882 4.560 5.428 6.49_ 7.573 8.623 10.037 12.846 87
73 .875 1.105 1.340 1.589 1.987 2.468 2.990 3.580 4.217 4.953 5.910 7.146 8.415 9.745 11.409 14.531 88
74 .932 1.182 1.438 1.714 2.173 2.699 3.271 3.891 4.581 5.394 6.501 7.936 9.510 11.077 12.904 16.002 89
75 .997 1.267 1.550 1.875 2.377 2.953 3.555 4.228 4.989 5.934 7.220 8.968 10.810 12.529 14.214 17.029 90
CHALLENGER/MAX
SPECIAL CLASS
MALE
Table #14
Page 1 of 4
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15
1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16
2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17
3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18
4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19
5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20
6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .147 21
7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .146 .154 22
8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .146 .152 .162 23
9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .146 .152 .158 .169 24
10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .145 .151 .159 .165 .176 25
11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .144 .151 .157 .165 .171 .183 26
12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .144 .149 .156 .163 .171 .177 .190 27
13 .110 .110 .120 .120 .130 .140 .140 .140 .144 .148 .153 .161 .168 .177 .183 .198 28
14 .110 .120 .120 .130 .140 .140 .140 .143 .147 .153 .158 .167 .174 .184 .193 .205 29
15 .120 .120 .130 .140 .140 .140 .143 .146 .151 .157 .162 .172 .180 .190 .201 .212 30
16 .120 .130 .140 .140 .140 .142 .145 .149 .155 .161 .167 .177 .186 .196 .207 .219 31
17 .130 .140 .140 .140 .142 .144 .148 .152 .158 .165 .171 .183 .191 .202 .214 .226 32
18 .140 .140 .140 .142 .144 .146 .151 .155 .162 .169 .175 .188 .197 .208 .220 .233 33
19 .140 .140 .142 .143 .146 .148 .154 .158 .165 .173 .180 .193 .203 .215 .228 .241 34
20 .141 .141 .143 .145 .148 .150 .156 .161 .169 .178 .184 .199 .208 .221 .235 .248 35
21 .141 .142 .145 .145 .150 .152 .159 .164 .173 .182 .189 .204 .214 .227 .239 .255 36
22 .141 .143 .146 .148 .151 .154 .162 .167 .176 .186 .193 .204 .216 .232 .248 .266 37
23 .141 .143 .148 .150 .153 .156 .164 .170 .180 .187 .196 .209 .223 .241 .259 .282 38
24 .141 .144 .149 .151 .155 .158 .167 .173 .181 .190 .201 .216 .233 .253 .274 .299 39
25 .142 .145 .151 .153 .157 .160 .168 .175 .184 .194 .207 .227 .245 .267 .291 .318 40
26 .142 .145 .153 .154 .159 .162 .168 .176 .187 .199 .215 .237 .258 .283 .310 .343 41
27 .142 .145 .154 .156 .160 .164 .172 .182 .195 .208 .227 .252 .275 .302 .334 .371 42
28 .143 .146 .155 .160 .164 .170 .179 .192 .207 .223 .244 .270 .295 .325 .362 .403 43
29 .143 .147 .159 .165 .170 .179 .188 .204 .223 .240 .265 .291 .319 .353 .393 .438 44
30 .144 .154 .165 .173 .180 .191 .202 .220 .241 .262 .290 .317 .346 .383 .427 .478 45
31 .148 .161 .172 .182 .190 .203 .215 .237 .261 .285 .315 .344 .376 .416 .466 .524 46
32 .153 .166 .178 .192 .202 .217 .232 .256 .283 .311 .344 .375 .409 .454 .509 .576 47
33 .154 .170 .184 .201 .213 .231 .249 .275 .304 .336 .373 .408 .444 .493 .556 .632 48
34 .154 .172 .191 .210 .226 .245 .267 .295 .327 .363 .403 .442 .481 .535 .607 .693 49
35 .154 .175 .199 .220 .241 .262 .287 .317 .352 .393 .436 .480 .522 .581 .663 .755 50
36 .157 .180 .209 .234 .257 .283 .311 .344 .381 .426 .474 .523 .568 .633 .725 .823 51
37 .162 .189 .223 .250 .277 .306 .339 .374 .415 .464 .516 .569 .620 .693 .793 .896 52
38 .172 .204 .241 .273 .301 .335 .372 .410 .455 .507 .564 .622 .681 .761 .866 .976 53
39 .184 .223 .263 .298 .327 .369 .408 .450 .500 .556 .617 .678 .747 .835 .946 1.062 54
40 .197 .243 .286 .326 .356 .409 .448 .495 .549 .607 .675 .739 .818 .916 1.032 1.160 55
41 .215 .267 .314 .359 .390 .446 .493 .544 .603 .664 .737 .809 .900 1.007 1.130 1.268 56
42 .232 .291 .342 .392 .425 .489 .540 .597 .659 .724 .804 .882 .987 1.107 1.238 1.388 57
43 .249 .312 .370 .425 .464 .530 .588 .649 .713 .783 .871 .960 1.079 1.213 1.358 1.527 58
44 .265 .333 .399 .459 .505 .573 .636 .702 .769 .843 .940 1.041 1.176 1.326 1.487 1.680 59
45 .283 .354 .429 .494 .549 .617 .690 .760 .827 .907 1.014 1.127 1.282 1.447 1.626 1.835 60
46 .312 .388 .472 .543 .605 .678 .759 .834 .905 .992 1.106 1.235 1.407 1.589 1.785 2.003 61
47 .329 .413 .507 .583 .652 .732 .824 .905 .980 1.075 1.199 1.341 1.531 1.730 1.939 2.190 62
48 .346 .442 .545 .627 .699 .795 .901 .990 1.070 1.177 1.306 1.459 1.667 1.880 2.094 2.405 63
49 .363 .475 .585 .672 .746 .864 .987 1.084 1.172 1.290 1.424 1.588 1.812 2.040 2.255 2.647 64
50 .381 .509 .628 .721 .797 .937 1.078 1.184 1.280 1.410 1.550 1.726 1.968 2.210 2.426 2.910 65
51 .392 .536 .665 .765 .843 1.002 1.161 1.276 1.381 1.526 1.674 1.864 2.123 2.383 2.603 3.194 66
52 .417 .575 .717 .826 .906 1.080 1.255 1.378 1.493 1.654 1.814 2.021 2.298 2.580 2.813 3.491 67
53 .442 .610 .769 .888 .971 1.152 1.342 1.471 1.593 1.771 1.948 2.175 2.470 2.785 3.048 3.803 68
54 .469 .644 .822 .951 1.039 1.223 1.427 1.562 1.692 1.887 2.083 2.332 2.643 2.999 3.303 4.112 69
55 .498 .681 .879 1.021 1.115 1.299 1.515 1.656 1.793 2.009 2.229 2.503 2.832 3.228 3.575 4.437 70
56 :531 .723 .943 1.102 1.200 1.381 1.606 1.754 1.904 2.142 2.392 2.700 3.047 3.476 3.860 4.782 71
57 .572 .775 1.019 1.197 1.302 1.477 1.707 1.866 2.034 2.295 2.582 2.934 3.303 3.752 4.156 5.171 72
58 .620 .838 1.108 1.318 1.426 1.590 1.814 1.991 2.185 2.469 2.805 3.225 3.618 4.060 4.452 5.577 73
59 .676 .909 1.208 1.456 1.567 1.713 1.92_ 2.125 2.349 2.659 3.050 3.552 3.975 4.393 4.757 6.021 74
60 .738 .989 1.317 1.604 1.719 1.350 2.048 2.270 2.528 2.868 3.320 3.908 4.359 4.749 5.080 6.508 75
61 .787 1.050 1.393 1.705 1.828 1.943 2.124 2.360 2.645 3.008 3.508 4.155 4.617 4.975 5.273 7.042 76
62 .840 1.116 1.470 1.796 1.933 2.041 2.215 2.457 2.767 3.158 3.703 4.384 4.853 5.193 5.485 7.619 77
63 .911 1.203 1.560 1.882 2.040 2.146 2.312 2.538 2.861 3.283 3.867 4.539 4.993 5.337 5.657 8.244 78
64 .989 1.301 1.655 1.966 2.148 2.254 2.413 2.611 2.943 3.398 4.019 4.658 5.089 5.447 5.809 8.900 79
65 1.061 1.390 1.739 2.036 2.246 2.362 2.523 2.699 3.043 3.535 4.189 4.794 5.204 5.583 5.997 9.562 80
66 1.083 1.416 1.762 2.054 2.328 2.468 2.647 2.821 3.187 3.720 4.435 5.060 5.510 5.964 6.490 10.216 81
67 1.104 1.442 1.784 2.072 2.388 2.569 2.787 2.993 3.398 3.977 4.756 5.438 5.963 6.505 7.152 10.917 82
68 1.126 1.467 1.807 2.090 2.409 2.651 2.938 3.230 3.705 4.345 5.208 6.024 6.672 7.288 8.053 11.651 83
69 1.147 1.493 1.829 2.108 2.415 2.730 3.094 3.480 4.026 4.732 5.680 6.629 7.408 8.151 9.043 12.484 84
70 1.067 1.379 1.703 2.012 2.415 2.812 3.257 3.740 4.364 5.129 6.156 7.245 8.212 9.091 10.181 13.390 85
71 1.078 1.393 1.717 2.046 2.516 3.021 3.576 4.192 4.919 5.765 6.853 8.103 9.227 10.250 11.471 14.543 86
72 1.086 1.396 1.722 2.073 2.620 3.246 3.927 4.686 5.515 6.439 7.623 9.044 10.392 11.554 12.921 15.799 87
73 1.179 1.518 1.875 2.261 2.859 3.545 4.281 5.087 5.956 6.957 8.228 9.801 11.275 12.545 14.032 17.136 88
74 1.281 1.653 2.046 2.467 3.121 3.864 4.647 5.495 6.435 7.510 8.916 10.632 12.242 13.624 15.218 18.289 89
75 1.395 1.803 2.231 2.693 3.403 4.195 5.020 5.938 6.946 8.138 9.673 11.545 13.296 14.775 16.245 19.170 90
CHALLENGER/MAX
SPECIAL CLASS
FEMALE
Table #14
Page 2 of 4
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15
1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16
2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17
3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18
4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19
5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .110 .110 .110 .120 .120 .120 .120 20
6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .127 21
7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .127 .134 22
8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .127 .132 .140 23
9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .127 .132 .137 147 24
10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .12_ .131 .138 .143 .153 25
11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .125 .131 .136 .143 .148 .159 26
12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .125 .129 .135 .141 .148 .153 .165 27
13 .100 .100 .110 .110 .120 .120 .120 .120 .125 .128 .133 .140 .146 .153 .159 .172 28
14 .100 .110 .110 .120 .120 .120 .120 .124 .127 .133 .137 .145 .151 .160 .167 .178 29
15 .110 .110 .120 .120 .120 .120 .124 .127 .131 .136 .140 .149 .156 .165 .178 .184 30
16 .110 .120 .120 .120 .120 .123 .126 .129 .134 .140 .145 .153 .161 .170 .189 .190 31
17 .120 .120 .120 .120 .123 .125 .128 .132 .137 .143 .148 .159 .166 .175 .195 .197 32
18 .120 .120 .120 .123 .125 .127 .131 .134 .140 .147 .152 .163 .171 .181 .201 .202 33
19 .120 .120 .123 .124 .127 .128 .134 .137 .143 .150 .156 .167 .176 .187 .202 .205 34
20 .121 .122 .124 .126 .128 .130 .135 .140 .147 .154 .160 .173 .181 .192 .203 .209 35
21 .122 .123 .126 .126 .130 .132 .138 .142 .150 .158 .164 .177 .186 .195 .205 .213 36
22 .122 .124 .127 .128 .131 .134 .140 .145 .153 .162 .168 .177 .188 .198 .207 .225 37
23 .122 .124 .128 .130 .133 .135 .142 .147 .156 .163 .170 .181 .191 .201 .219 .241 38
24 .122 .125 .129 .131 .134 .137 .145 .150 .157 .165 .173 .185 .194 .214 .235 .259 39
25 .123 .126 .131 .133 .136 .139 .146 .152 .160 .168 .176 .189 .207 .229 .252 .277 40
26 .123 .126 .133 .134 .138 .141 .146 .153 .164 .171 .179 .200 .221 .245 .270 .300 41
27 .123 .126 .134 .135 .139 .143 .149 .158 .168 .174 .192 .216 .238 .263 .292 .324 42
28 .124 .127 .134 .139 .143 .147 .155 .164 .173 .188 .209 .234 .257 .284 .316 .352 43
29 .124 .127 .138 .144 .147 .156 .162 .170 .188 .205 .230 .253 .279 .308 .343 .382 44
30 .125 .134 .144 .150 .154 .158 .169 .186 .206 .227 .252 .277 .302 .334 .372 .418 45
31 .129 .140 .149 .156 .161 .169 .182 .203 .226 .248 .276 .301 .328 .363 .408 .460 46
32 .133 .144 .152 .162 .169 .183 .199 .222 .246 .272 .301 .328 .357 .397 .447 .508 47
33 .134 .144 .155 .168 .180 .198 .216 .239 .266 .294 .326 .356 .388 .433 .490 .558 48
34 .134 .145 .159 .177 .193 .212 .232 .258 .286 .317 .352 .387 .422 .471 .536 .613 49
35 .135 .146 .168 .188 .209 .228 .251 .277 .307 .343 .381 .421 .460 .513 .586 .667 50
36 .136 .152 .179 .203 .224 .248 .272 .300 .332 .373 .416 .461 .502 .560 .640 .721 51
37 .137 .162 .193 .218 .242 .267 .296 .326 .363 .407 .455 .503 .548 .612 .694 .777 52
38 .147 .177 .210 .239 .263 .293 .324 .359 .399 .447 .498 .550 .601 .666 .751 .838 53
39 .159 .194 .230 .260 .286 .322 .357 .395 .441 .491 .546 .599 .654 .724 .812 .903 54
40 .171 .213 .250 .285 .311 .354 .393 .436 .485 .537 .596 .647 .709 .786 .878 .982 55
41 .188 .233 .274 .313 .341 .392 .434 .481 .533 .586 .645 .701 .772 .857 .956 1.077 56
42 .203 .254 .298 .343 .373 .431 .477 .528 .582 .634 .697 .757 .840 .937 1.051 1.185 57
43 .217 .272 .324 .373 .409 .468 .520 .573 .624 .679 .748 .817 .913 1.030 1.159 1.307 58
44 .231 .291 .350 .404 .446 .507 .562 .615 .667 .724 .800 .881 .998 1.132 1.272 1.433 59
45 .247 .310 .378 .436 .486 .545 .604 .659 .710 .771 .858 .957 1.094 1.238 1.387 1.548 60
46 .274 .342 .417 .480 .534 .593 .658 .716 .770 .839 .939 1.054 1.204 1.356 1.506 1.672 61
47 .290 .365 .449 .514 .571 .635 .707 .770 .829 .913 1.023 1.148 1.306 1.460 1.619 1.811 62
48 .306 .391 .481 .549 .606 .682 .766 .837 .908 1.004 1.118 1.245 1.407 1.570 1.732 1.959 63
49 .321 .420 .512 .583 .640 .735 .835 .920 1.000 1.104 1.215 1.340 1.513 1.687 1.837 2.127 64
50 .337 .446 .544 .619 .677 .793 .915 1.010 1.095 1.203 1.308 1.441 1.627 1.800 1.950 2.309 65
51 .343 .465 .571 .650 .713 .850 .991 1.092 1.179 1.287 1.398 1.541 1.730 1.915 2.065 2.498 66
52 .361 .493 .610 .699 .770 .922 1.074 1.176 1.260 1.381 1.500 1.646 1.847 2.047 2.200 2.695 67
53 .379 .519 .650 .754 .829 .986 1.145 1.242 1.330 1.464 1.587 1.748 1.959 2.178 2.353 2.908 68
54 .399 .545 .698 .811 .889 1.044 1.204 1.304 1.399 1.537 1.674 1.850 2.067 2.315 2.526 3.137 69
55 .422 .578 .750 .874 .951 1.096 1.265 1.370 1.460 1.615 1.769 1.958 2.186 2.469 2.728 3.395 70
56 .451 .617 .807 .941 1.013 1.153 1.328 1.429 1.530 1.700 1.871 2.085 2.330 2.652 2.954 3.641 71
57 .488 .663 .869 1.010 1.087 1.222 1.391 1.500 1.614 1.795 1.993 2.244 2.521 2.871 3.164 3.891 72
58 .530 .715 .935 1.101 1.179 1.296 1.458 1.580 1.709 1.906 2.146 2.461 2.769 3.092 3.350 4.138 73
59 .577 .767 1.008 1.204 1.277 1.377 1.528 1.662 1.814 2.033 2.327 2.718 3.026 3.306 3.529 4.382 74
60 .623 .826 1.089 1.307 1.381 1.468 1.602 1.753 1.933 2.188 2.540 2.976 3.280 3.523 3.697 4.653 75
61 .657 .808 1.134 1.371 1.450 1.519 1.639 1.805 2.018 2.302 2.671 3.127 3.426 3.620 3.770 4.950 76
62 .695 .909 1.181 1.425 1.512 1.576 1.694 1.875 2.118 2.405 2.737 3.252 3.531 3.713 3.856 5.295 77
63 .742 .967 1.238 1.472 1.575 1.641 1.764 1.942 2.179 2.470 2.869 3.303 3.570 3.752 3.932 5.739 78
64 .795 1.032 1.295 1.518 1.643 1.719 1.847 1.989 2.215 2.521 2.925 3.330 3.577 3.785 4.044 6.217 79
65 .842 1.087 1.343 1.557 1.714 1.807 1.921 2.031 2.258 2.573 2.995 3.370 3.617 3.887 4.189 6.730 80
66 .847 1.093 1.347 1.567 1.781 1.879 1.992 2.093 2.319 2.659 3.118 3.517 3.836 4.166 4.568 7.235 81
67 .952 1.103 1.361 1.586 1.784 1.933 2.068 2.178 2.430 2.796 3.306 3.786 4.166 4.578 5.065 7.773 82
68 .861 1.119 1.383 1.589 1.786 1.967 2.138 2.309 2.605 3.020 3.625 4.209 4.696 5.161 5.734 8.363 83
69 .875 1.143 1.393 1.591 1.789 1.987 2.212 2.446 2.798 3.294 3.968 4.666 5.246 5.803 6.495 9.103 84
70 .830 1.050 1.295 1.493 1.757 2.011 2.289 2.599 3.038 3.583 4.332 5.131 5.847 6.530 7.423 9.994 85
71 .836 1.063 1.301 1.525 1.798 2.124 2.485 2.918 3.437 4.057 4.854 5.770 6.627 7.473 8.562 11.297 86
72 .855 1.087 1.320 1.552 1.842 2.256 2.734 3.274 3.882 4.560 5.428 6.496 7.578 8.623 10.037 12.846 87
73 .875 1.105 1.340 1.589 1.987 2.468 2.990 3.580 4.217 4.953 5.910 7.146 8.415 9.745 11.409 14.531 88
74 .932 1.182 1.438 1.714 2.173 2.699 2.271 3.891 4.581 5.394 6.501 7.936 9.510 11.077 12.904 16.002 89
75 .997 1.267 1.550 1.875 2.377 2.953 3.555 4.228 4.989 5.934 7.220 8.968 10.810 12.529 14.214 17.029 90
CHALLENGER/MAX Table #15
Page 1 of 2
PREFERRED NON-SMOKER
MALE
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15
1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16
2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17
3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18
4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19
5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20
6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .097 21
7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .093 .097 22
8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .093 .095 .097 23
9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .091 .093 .095 .097 24
10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .089 .091 .093 .095 .097 25
11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .087 .089 .091 .093 .095 .097 26
12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .084 .087 .089 .091 .093 .095 .097 27
13 .110 .110 .120 .120 .130 .140 .140 .140 .082 .084 .087 .089 .091 .093 .095 .098 28
14 .110 .120 .120 .130 .140 .140 .140 .081 .082 .084 .087 .089 .091 .093 .096 .099 29
15 .120 .120 .130 .140 .140 .140 .078 .081 .082 .084 .087 .089 .091 .094 .098 .101 30
16 .120 .130 .140 .140 .140 .075 .078 .081 .082 .084 .087 .089 .092 .095 .098 .102 31
17 .130 .140 .140 .140 .074 .075 .078 .081 .082 .084 .087 .090 .093 .096 .100 .104 32
18 .140 .140 .140 .073 .074 .075 .078 .081 .082 .084 .087 .090 .093 .097 .102 .106 33
19 .140 .140 .071 .073 .074 .075 .078 .081 .082 .084 .087 .090 .094 .099 .102 .108 34
20 .141 .068 .071 .073 .074 .075 .078 .081 .083 .084 .087 .092 .096 .100 .105 .111 35
21 .066 .068 .072 .073 .074 .075 .078 .081 .083 .084 .089 .093 .096 .102 .107 .113 36
22 .067 .069 .073 .074 .075 .076 .078 .081 .084 .085 .089 .093 .097 .103 .110 .118 37
23 .068 .070 .074 .075 .076 .077 .079 .082 .084 .086 .089 .094 .100 .107 .114 .123 38
24 .069 .071 .075 .076 .077 .077 .080 .083 .085 .087 .092 .097 .104 .112 .120 .131 39
25 .070 .071 .076 .076 .077 .078 .081 .084 .086 .089 .094 .102 .109 .117 .127 .138 40
26 .070 .072 .076 .077 .078 .079 .082 .084 .087 .091 .097 .105 .114 .123 .135 .147 41
27 .071 .073 .077 .078 .079 .081 .084 .086 .090 .094 .101 .111 .121 .131 .145 .159 42
28 .071 .074 .078 079 .081 .084 .086 .090 .094 .100 .108 .118 .129 .141 .156 .172 43
29 .072 .075 .079 .081 .084 .086 .090 .094 .100 .106 .116 .127 .138 .152 .169 .187 44
30 .074 .077 .081 .084 .086 .090 .094 .099 .107 .114 .125 .137 .149 .165 .184 .205 45
31 .075 .080 .084 .086 .090 .094 .099 .106 .114 .123 .136 .147 .161 .179 .201 .226 46
32 .075 .081 .085 .090 .094 .099 .105 .113 .123 .133 .147 .160 .175 .195 .219 .245 47
33 .076 .083 .088 .094 .098 .105 .111 .120 .131 .143 .158 .173 .190 .211 .239 .268 48
34 .076 .083 .090 .097 .104 .110 .118 .129 .140 .153 .170 .188 .205 .229 .261 .293 49
35 .076 .084 .093 .101 .109 .117 .126 .137 .150 .165 .184 .203 .223 .249 .286 .321 50
36 .076 .085 .095 .104 .113 .123 .133 .145 .159 .176 .197 .219 .240 .269 .311 .350 51
37 .076 .086 .099 .109 .119 .130 .143 .155 .171 .189 .212 .236 .259 .293 .338 .381 52
38 .078 .090 .103 .115 .126 .139 .153 .167 .184 .204 .229 .255 .282 .319 .368 .415 53
39 .080 .095 .110 .123 .134 .149 .164 .180 .199 .219 .247 .275 .307 .348 .399 .452 54
40 .083 .100 .116 .131 .142 .161 .176 .194 .215 .237 .267 .297 .334 .379 .434 .494 55
41 .089 .108 .124 .141 .153 .174 .192 .211 .233 .256 .290 .322 .365 .416 .475 .542 56
42 .093 .115 .133 .151 .164 .187 .207 .228 .251 .277 .312 .349 .398 .455 .519 .586 57
43 .097 .120 .141 .161 .175 .200 .222 .244 .270 .297 .336 .377 .433 .497 .567 .631 58
44 .101 .125 .148 .170 .187 .212 .236 .261 .287 .316 .359 .407 .470 .541 .620 .694 59
45 .105 .130 .156 .180 .200 .225 .252 .279 .305 .337 .385 .438 .509 .588 .676 .758 60
46 .120 .147 .176 .202 .225 .253 .283 .312 .340 .374 .426 .486 .566 .653 .751 .832 61
47 .128 .158 .191 .219 .244 .274 .310 .341 .370 .408 .465 .531 .619 .715 .820 .916 62
48 .135 .170 .207 .237 .264 .300 .341 .376 .408 .450 .509 .581 .678 .782 .890 1.013 63
49 .144 .184 .224 .256 .285 .328 .375 .413 .448 .495 .558 .636 .741 .853 .964 1.122 64
50 .152 .198 .241 .277 .306 .359 .412 .454 .494 .545 .612 .695 .810 .929 1.043 1.241 65
51 .155 .207 .255 .293 .323 .384 .444 .490 .532 .590 .661 .753 .876 1.005 1.122 1.371 66
52 .166 .225 .278 .320 .351 .418 .485 .534 .580 .645 .723 .823 .955 1.095 1.220 1.508 67
53 .179 .241 .301 .347 .380 .450 .524 .576 .626 .697 .782 .892 1.034 1.191 1.331 1.653 68
54 .192 .258 .326 .376 .411 .483 .563 .617 .670 .749 .843 .964 1.115 1.291 1.452 1.798 69
55 .206 .276 .353 .408 .446 .518 .604 .660 .717 .804 .910 1.042 1.203 1.399 1.581 1.953 70
56 .220 .294 .379 .441 .480 .552 .642 .701 .762 .858 .977 1.124 1.295 1.506 1.706 2.203 71
57 .237 .316 .410 .480 .522 .592 .683 .748 .815 .920 1.056 1.223 1.403 1.626 1.837 2.491 72
58 .258 .341 .446 .529 .572 .638 .727 .799 .877 .991 1.147 1.344 1.538 1.759 1.967 2.806 73
59 .280 .371 .488 .585 .630 .689 .773 .854 .944 1.069 1.248 1.481 1.689 1.903 2.101 3.162 74
60 .307 .405 .533 .646 .693 .746 .825 .914 1.018 1.154 1.409 1.748 2.051 2.348 2.633 3.563 75
61 .348 .459 .604 .735 .788 .839 .916 1.018 1.140 1.297 1.592 1.983 2.315 2.616 2.902 4.016 76
62 .396 .522 .682 .831 .894 .944 1.024 1.136 1.278 1.459 1.798 2.234 2.593 2.905 3.206 4.522 77
63 .459 .602 .776 .934 1.011 1.064 1.146 1.257 1.416 1.625 2.008 2.469 2.843 3.176 3.512 5.090 78
64 .533 .696 .882 1.046 1.141 1.198 1.282 1.387 1.562 1.802 2.231 2.706 3.089 3.449 3.833 5.712 79
65 .611 .798 .994 1.162 1.281 1.346 1.437 1.537 1.731 2.009 2.489 2.975 3.369 3.765 4.207 6.375 80
66 .656 .893 1.100 1.272 1.418 1.503 1.611 1.717 1.938 2.261 2.795 3.305 3.724 4.166 4.679 7.071 81
67 .751 .975 1.194 1.374 1.556 1.673 1.814 1.948 2.210 2.586 3.181 3.738 4.206 4.706 5.298 7.840 82
68 .792 1.021 1.247 1.454 1.679 1.847 2.046 2.250 2.579 3.024 3.697 4.356 4.911 5.455 6.126 8.678 83
69 .825 1.060 1.305 1.535 1.802 2.038 2.309 2.596 3.003 3.530 4.280 5.043 5.686 6.310 7.057 9.639 84
10.712 85
11.634 86
12.639 87
13.709 88
14.631 89
CHALLENGER/MAX Table #15
Page 2 of 2
PREFERRED NON-SMOKER
FEMALE
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15
1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16
2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17
3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18
4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19
5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20
6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .078 21
7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .077 .078 22
8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .077 .077 .078 23
9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .076 .077 .077 .078 24
10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .075 .076 .077 .077 .078 25
11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .074 .075 .076 .077 .077 .079 26
12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .073 .074 .075 .076 .077 .078 .079 27
13 .100 .100 .110 .110 .120 .120 .120 .120 .072 .073 .074 .075 .076 .077 .078 .080 28
14 .100 .110 .110 .120 .120 .120 .120 .070 .072 .073 .074 .075 .077 .077 .079 .081 29
15 .110 .110 .120 .120 .120 .120 .070 .070 .072 .073 .074 .075 .077 .078 .080 .082 30
16 .110 .120 .120 .120 .120 .068 .070 .071 .072 .073 .074 .075 .077 .079 .081 .083 31
17 .120 .120 .120 .120 .066 .068 .070 .071 .072 .073 .074 .077 .078 .080 .082 .085 32
18 .120 .120 .120 .065 .066 .068 .070 .071 .072 .073 .076 .078 .079 .081 .084 .086 33
19 .120 .120 .064 .065 .067 .068 .070 .071 .072 .074 .077 .078 .081 .084 .086 .088 34
20 .121 .062 .064 .066 .067 .068 .070 .071 .074 .075 .077 .080 .083 .085 .088 .090 35
21 .061 .062 .066 .067 .067 .068 .070 .073 .074 .075 .079 .082 .085 .088 .091 .095 36
22 .062 .063 .067 .067 .068 .069 .070 .073 .075 .076 .079 .082 .085 .089 .092 .099 37
23 .063 .064 .067 .068 .069 .070 .071 .074 .075 .077 .080 .084 .086 .090 .097 .105 38
24 .063 .065 .068 .069 .070 .070 .072 .075 .076 .078 .080 .085 .088 .096 .103 .113 39
25 .064 .066 .069 .070 .070 .071 .073 .075 .077 .078 .081 .087 .093 .101 .110 .120 40
26 .064 .066 .069 .070 .071 .071 .073 .075 .077 .079 .081 .090 .098 .107 .117 .128 41
27 .064 .066 .069 .070 .071 .071 .073 .075 .078 .079 .086 .095 .104 .113 .125 .136 42
28 .064 .066 .069 .070 .070 .072 .074 .076 .079 .084 .092 .101 .111 .122 .135 .146 43
29 .064 .066 .069 .070 .072 .073 .075 .078 .084 .090 .099 .108 .118 .130 .144 .159 44
30 .064 .067 .070 .072 .073 .075 .077 .083 .090 .096 .106 .117 .127 .140 .155 .174 45
31 .064 .068 .072 .073 .074 .077 .081 .088 .096 .104 .115 .125 .136 .150 .169 .188 46
32 .064 .069 .072 .074 .076 .081 .086 .094 .103 .112 .123 .134 .146 .163 .183 .207 47
33 .064 .069 .072 .075 .080 .086 .091 .100 .110 .119 .132 .144 .158 .175 .199 .224 48
34 .064 .069 .072 .078 .084 .090 .097 .106 .116 .127 .140 .155 .169 .190 .218 .244 49
35 .064 .069 .074 .081 .088 .095 .104 .113 .122 .135 .151 .166 .183 .206 .236 .262 50
36 .064 .069 .075 .083 .091 .099 .108 .117 .129 .143 .160 .179 .196 .221 .252 .285 51
37 .064 .069 .078 .086 .095 .103 .113 .124 .137 .151 .171 .191 .210 .235 .273 .308 52
38 .064 .070 .080 .091 .099 .109 .120 .132 .146 .163 .183 .205 .225 .255 .294 .332 53
39 .064 .072 .084 .095 .103 .116 .128 .141 .157 .174 .196 .216 .243 .276 .316 .354 54
40 .064 .076 .088 .099 .108 .123 .135 .151 .167 .185 .207 .232 .261 .297 .337 .378 55
41 .066 .080 .093 .105 .115 .131 .146 .161 .180 .196 .223 .249 .282 .318 .359 .410 56
42 .067 .083 .097 .111 .122 .140 .156 .172 .189 .210 .238 .266 .301 .340 .388 .441 57
43 .069 .085 .101 .116 .128 .147 .165 .180 .201 .222 .252 .281 .319 .367 .422 .468 58
44 .070 .087 .104 .121 .134 .154 .170 .191 .210 .233 .263 .295 .342 .397 .454 .505 59
45 .071 .088 .108 .126 .141 .158 .179 .200 .220 .241 .274 .312 .367 .424 .486 .541 60
46 .082 .101 .123 .142 .158 .179 .202 .223 .242 .264 .301 .347 .403 .463 .530 .590 61
47 .087 .109 .133 .152 .171 .194 .220 .240 .259 .286 .328 .374 .434 .499 .575 .645 62
48 .093 .118 .143 .165 .185 .211 .238 .260 .283 .314 .356 .404 .468 .542 .619 .704 63
49 .099 .126 .155 .179 .199 .228 .258 .284 .311 .343 .384 .435 .509 .587 .663 .770 64
50 .104 .138 .168 .193 .212 .245 .283 .313 .339 .373 .415 .473 .553 .633 .708 .835 65
51 .107 .144 .177 .202 .220 .261 .305 .335 .361 .397 .446 .510 .591 .676 .748 .913 66
52 .116 .156 .191 .217 .238 .285 .330 .361 .388 .433 .486 .551 .637 .724 .805 .933 67
53 .124 .166 .205 .236 .259 .305 .352 .384 .418 .466 .521 .592 .679 .780 .869 1.078 68
54 .132 .175 .221 .256 .278 .324 .374 .411 .446 .496 .556 .628 .725 .837 .940 1.177 69
55 .140 .188 .240 .276 .299 .343 .401 .438 .473 .528 .590 .674 .775 .900 1.027 1.305 70
56 .149 .201 .256 .296 .319 .367 .427 .464 .502 .559 .635 .728 .837 .984 1.148 1.426 71
57 .162 .214 .276 .319 .348 .394 .454 .494 .533 .600 .686 .794 .922 1.100 1.196 1.536 72
58 .175 .229 .297 .353 .382 .425 .481 .523 .574 .647 .748 .886 1.045 1.151 1.307 1.630 73
59 .188 .247 .326 .391 .420 .457 .508 .560 .618 .699 .826 1.010 1.109 1.185 1.420 1.834 74
60 .204 .270 .356 .430 .460 .490 .542 .599 .667 .766 .964 1.153 1.282 1.377 1.534 2.071 75
61 .231 .306 .402 .488 .519 .551 .601 .668 .758 .889 1.052 1.243 1.361 1.530 1.694 2.364 76
62 .264 .347 .452 .546 .587 .620 .672 .755 .877 .966 1.129 1.316 1.521 1.701 1.894 2.691 77
63 .304 .398 .508 .612 .663 .698 .762 .863 .939 1.022 1.185 1.451 1.669 1.881 2.097 3.056 78
64 .351 .455 .577 .684 .748 .796 .880 .919 .983 1.064 1.313 1.591 1.834 2.064 2.307 3.467 79
65 .398 .521 .649 .760 .850 .923 .951 .967 1.024 1.183 1.464 1.768 2.019 2.271 2.567 3.926 80
66 .446 .580 .716 .840 .968 .991 1.006 1.052 1.135 1.323 1.653 1.971 2.236 2.522 2.868 4.381 81
67 .486 .631 .784 .933 1.020 1.041 1.062 1.136 1.288 1.522 1.889 2.234 2.534 2.870 3.267 4.884 82
68 .510 .667 .842 .940 1.040 1.075 1.187 1.304 1.510 1.786 2.198 2.613 2.981 3.348 3.798 5.454 83
69 .536 .676 .846 .946 1.044 1.176 1.332 1.513 1.765 2.088 2.554 3.047 3.473 3.894 4.414 6.150 84
6.996 85
7.908 86
8.992 87
10.172 88
11.201 89
CONTENDER Table #8
Page 3 of 4
NON-SMOKER
MALE
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15
1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16
2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17
3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18
4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19
5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20
6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .121 21
7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .119 .121 22
8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .118 .119 .121 23
9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .117 .118 .119 .121 24
10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .116 .117 .118 .119 .121 25
11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .114 .116 .117 .118 .119 .121 26
12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .113 .114 .116 .117 .118 .119 .121 27
13 .110 .110 .120 .120 .130 .140 .140 .140 .112 .113 .114 .116 .117 .118 .119 .121 28
14 .110 .120 .120 .130 .140 .140 .140 .110 .112 .113 .114 .116 .117 .118 .119 .121 29
15 .120 .120 .130 .140 .140 .140 .109 .110 .112 .113 .114 .116 .117 .118 .119 .122 30
16 .120 .130 .140 .140 .140 .108 .109 .110 .112 .113 .114 .116 .117 .118 .120 .123 31
17 .130 .140 .140 .140 .107 .108 .109 .110 .112 .113 .114 .116 .117 .119 .121 .123 32
18 .140 .140 .140 .105 .107 .108 .109 .110 .112 .113 .114 .116 .118 .120 .121 .124 33
19 .140 .140 .104 .105 .107 .108 .109 .110 .112 .113 .114 .116 .119 .120 .122 .125 34
20 .140 .103 .104 .105 .107 .108 .109 .110 .112 .113 .115 .117 .119 .121 .124 .138 35
21 .102 .103 .104 .103 .107 .108 .109 .110 .112 .114 .116 .117 .120 .123 .136 .144 36
22 .102 .103 .104 .105 .107 .108 .109 .110 .113 .115 .116 .118 .121 .135 .143 .153 37
23 .102 .103 .104 .105 .107 .108 .109 .111 .114 .115 .117 .120 .133 .141 .151 .163 38
24 .102 .103 .104 .105 .107 .108 .110 .112 .114 .116 .119 .132 .140 .150 .162 .174 39
25 .102 .103 .104 .105 .107 .109 .111 .112 .114 .117 .131 .138 .148 .160 .172 .187 40
26 .102 .103 .104 .105 .108 .110 .111 .113 .116 .129 .137 .147 .158 .170 .185 .198 41
27 .102 .103 .104 .106 .108 .110 .112 .115 .128 .135 .145 .157 .168 .183 .196 .210 42
28 .102 .103 .105 .107 .108 .111 .114 .126 .134 .143 .155 .167 .181 .193 .208 .224 43
29 .102 .104 .106 .107 .109 .112 .125 .132 .142 .153 .165 .179 .191 .206 .222 .240 44
30 .102 .104 .106 .108 .111 .123 .131 .141 .151 .163 .177 .189 .203 .219 .238 .260 45
31 .102 .105 .109 .114 .120 .131 .139 .147 .157 .168 .183 .198 .217 .239 .262 .285 46
32 .103 .108 .114 .121 .128 .140 .148 .156 .166 .177 .193 .212 .235 .260 .288 .314 47
33 .106 .112 .119 .128 .136 .148 .157 .166 .177 .190 .207 .229 .255 .284 .315 .344 48
34 .110 .117 .125 .135 .145 .157 .167 .178 .192 .206 .226 .249 .278 .309 .343 .378 49
35 .116 .123 .132 .143 .154 .167 .179 .192 .208 .225 .247 .273 .304 .337 .374 .414 50
36 .123 .130 .140 .152 .164 .178 .192 .208 .226 .246 .271 .299 .333 .368 .408 .450 51
37 .131 .138 .149 .161 .174 .189 .206 .225 .247 .271 .298 .329 .364 .401 .444 .488 52
38 .139 .148 .159 .172 .186 .202 .222 .244 .270 .297 .328 .361 .398 .437 .482 .529 53
39 .149 .158 .169 .183 .198 .216 .239 .265 .294 .325 .360 .395 .434 .475 .525 .578 54
40 .158 .168 .181 .196 .213 .233 .258 .287 .319 .354 .392 .431 .473 .518 .572 .634 55
41 .166 .178 .193 .210 .229 .252 .279 .310 .344 .381 .423 .466 .512 .563 .623 .690 56
42 .173 .187 .203 .225 .247 .272 .301 .333 .369 .409 .453 .501 .553 .610 .677 .750 57
43 .181 .198 .219 .241 .267 .295 .326 .359 .396 .438 .486 .540 .597 .661 .736 .817 58
44 .192 .211 .235 .260 .28_ .321 .353 .388 .426 .472 .523 .582 .646 .719 .801 .893 59
45 .206 .228 .254 .282 .314 .349 .384 .421 .462 .511 .567 .632 .702 .783 .874 .979 60
46 .227 .251 .279 .309 .344 .383 .421 .461 .506 .560 .621 .692 .769 .857 .956 1.064 61
47 .252 .278 .308 .340 .378 .420 .461 .506 .556 .614 .681 .758 .843 .939 1.046 1.159 62
48 .279 .307 .339 .372 .413 .459 .504 .553 .609 .673 .745 .829 .922 1.026 1.142 1.264 63
49 .304 .335 .369 .404 .448 .498 .547 .601 .662 .732 .811 .901 1.004 1.117 1.243 1.378 64
50 .327 .360 .396 .434 .480 .534 .588 .647 .714 .790 .876 .974 1.086 1.210 1.349 1.511 65
51 .343 .378 .417 .456 .505 .562 .621 .686 .759 .841 .933 1.040 1.160 1.294 1.444 1.644 66
52 .355 .392 .434 .475 .526 .586 .651 .722 .801 .889 .989 1.105 1.233 1.376 1.538 1.796 67
53 .366 .405 .451 .494 .548 .611 .682 .759 .844 .939 1.046 1.173 1.310 1.466 1.643 1.957 68
54 .379 .421 .471 .517 .575 .642 .718 .802 .894 .995 1.111 1.249 1.400 1.574 1.774 2.100 69
55 .396 .441 .495 .549 .612 .684 .765 .855 .954 1.062 1.188 1.338 1.509 1.711 1.946 2.216 70
56 .415 .463 .519 .588 .659 .739 .823 .918 1.025 1.138 1.274 1.432 1.629 1.868 2.155 2.495 71
57 .435 .486 .543 .631 .712 .803 .888 .988 1.104 1.222 1.368 1.530 1.758 2.042 2.392 2.815 72
58 .459 .514 .575 .682 .774 .875 .963 1.067 1.192 1.315 1.473 1.645 1.909 2.247 2.667 3.166 73
59 .490 .553 .619 .745 .847 .957 1.047 1.155 1.290 1.420 1.596 1.786 2.096 2.495 2.991 3.562 74
60 .530 .608 .683 .822 .932 1.049 1.142 1.256 1.399 1.540 1.741 1.965 2.329 2.801 3.373 4.008 75
61 .579 .683 .776 .918 1._29 1.144 1.238 1.354 1.502 1.656 1.893 2.175 2.609 3.169 3.817 4.513 76
62 .634 .774 .888 1.027 1.136 1.246 1.340 1.456 1.605 1.776 2.055 2.410 2.927 3.587 4.314 5.077 77
63 .699 .875 1.013 1.149 1.256 1.361 1.458 1.575 1.730 1.920 2.246 2.684 3.289 4.057 4.865 5.709 78
64 .776 .984 1.14_ 1.281 1.392 1.497 1.603 1.729 1.894 2.108 2.485 3.007 3.702 4.580 5.472 6.400 79
65 .867 1.099 1.2_1 1.422 1.544 1.661 1.785 1.931 2.117 2.360 2.790 3.391 4.174 5.158 6.138 7.138 80
66 .973 1.212 1.409 1.566 1.709 1.851 2.004 2.181 2.398 2.675 3.156 3.824 4.692 5.787 6.869 7.914 81
67 1.092 1.329 1.538 1.716 1.8__ 2.062 2.252 2.468 2.724 3.037 3.571 4.303 5.258 6.469 7.661 8.770 82
68 1.225 1.455 1.676 1.679 2.0_5 2.301 2.536 2.799 3.104 3.460 4.050 4.846 5.885 7.207 8.507 9.703 83
69 1.370 1.595 1.827 2.060 2.307 2.572 2.862 3.155 3.548 3.955 4.607 5.473 6.590 8.005 9.400 10.773 84
70 1.529 1.754 1.998 2.264 2.558 2.880 3.236 3.632 4.067 4.534 _.256 6.200 7.387 8.869 10.333 11.967 85
71 1.701 1.927 2.183 2.48_ 2.833 3.221 3.653 4.133 4.650 5.185 5.983 7.010 8.261 9.794 11.313 12.994 86
72 1.887 2.116 2.365 2.72_ 3.135 3.597 4.114 4.691 5.303 5.913 6.796 7.912 9.220 10.781 12.337 14.112 87
73 2.086 2.32_ 2.610 2.997 3.469 4.013 4.628 5.315 6.036 6.732 7.708 8.924 10.278 11.836 13.398 15.304 88
74 2.299 2.560 2.861 3.294 3.838 4.472 5.197 6.010 6.853 7.646 8.726 10.055 11.444 12.961 14.493 16.331 89
75 2.525 2.818 3.138 3.620 4.242 4.974 5.821 6.774 7.755 8.656 9.851 11.306 12.716 14.155 15.621 90
CONTENDER Table #8
Page 4 of 4
NON-SMOKER
FEMALE
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15
1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16
2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17
3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18
4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19
5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20
6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .105 21
7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .103 .105 22
8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .102 .103 .105 23
9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .101 .102 .103 .105 24
10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .100 .101 .102 .103 .105 25
11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .099 .100 .101 .102 .103 .105 26
12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .098 .099 .100 .101 .102 .103 .105 27
13 .100 .100 .110 .110 .120 .120 .120 .120 .097 .098 .099 .100 .101 .102 .103 .105 28
14 .100 .110 .110 .120 .120 .120 .120 .096 .097 .098 .099 .100 .101 .102 .103 .105 29
15 .110 .110 .120 .120 .120 .120 .095 .096 .097 .098 .099 .100 .101 .102 .103 .105 30
16 .110 .120 .120 .120 .120 .094 .095 .096 .097 .098 .099 .100 .101 .102 .104 .106 31
17 .120 .120 .120 .120 .092 .094 .095 .096 .097 .098 .099 .100 .101 .103 .105 .106 32
18 .120 .120 .120 .091 .092 .094 .095 .096 .097 .098 .099 .100 .102 .104 .105 .107 33
19 .120 .120 .090 .091 .092 .094 .095 .096 .097 .098 .099 .101 .103 .104 .106 .109 34
20 .120 .089 .090 .091 .092 .094 .095 .096 .097 .098 .100 .102 .103 .105 .108 .113 35
21 .088 .089 .090 .091 .092 .094 .095 .096 .097 .099 .101 .102 .104 .107 .112 .121 36
22 .088 .089 .090 .091 .092 .094 .095 .096 .098 .100 .101 .103 .106 .111 .119 .129 37
23 .088 .089 .090 .091 .092 .094 .095 .097 .099 .100 .102 .105 .109 .118 .128 .140 38
24 .088 .089 .090 .091 .092 .094 .095 .097 .099 .101 .104 .108 .117 .126 .138 .150 39
25 .088 .089 .090 .091 .092 .094 .096 .097 .099 .102 .107 .116 .125 .137 .149 .162 40
26 .088 .089 .090 .091 .093 .095 .096 .098 .101 .106 .114 .124 .135 .147 .161 .173 41
27 .088 .089 .090 .092 .094 .095 .097 .100 .105 .113 .122 .134 .145 .159 .171 .183 42
28 .088 .089 .091 .093 .094 .09_ .099 .104 .112 .121 .132 .144 .157 .169 .181 .196 43
29 .088 .090 .092 .093 .095 .098 .102 .110 .120 .131 .142 .156 .167 .179 .194 .210 44
30 .089 .091 .092 .094 .097 .101 .109 .118 .129 .141 .154 .166 .178 .192 .208 .228 45
31 .090 .092 .094 .098 .104 .110 .118 .125 .134 .145 .159 .173 .190 .209 .231 .250 46
32 .091 .093 .096 .103 .111 .119 .127 .134 .142 .153 .167 .184 .206 .229 .255 .276 47
33 .092 .094 .101 .109 .118 .127 .137 .144 .153 .165 .180 .199 .224 .250 .279 .304 48
34 .093 .097 .106 .115 .125 .136 .146 .155 .166 .180 .197 .218 .245 .273 .304 .334 49
35 .095 .103 .112 .122 .133 .145 .157 .168 .181 .197 .216 .239 .268 .298 .331 .362 50
36 .101 .110 .119 .130 .142 .155 .169 .182 .198 .216 .237 .263 .293 .325 .360 .395 51
37 .109 .118 .128 .139 .151 .165 .181 .198 .217 .239 .262 .290 .321 .354 .390 .428 52
38 .118 .127 .137 .148 .161 .177 .194 .215 .238 .263 .288 .319 .351 .385 .422 .463 53
39 .128 .137 .147 .159 .173 .189 .209 .233 .260 .288 .316 .349 .382 .418 .456 .499 54
40 .137 .147 .158 .171 .186 .204 .226 .253 .282 .313 .343 .379 .415 .453 .494 .539 55
41 .144 .156 .169 .184 .201 .221 .245 .273 .304 .336 .368 .407 .447 .489 .534 .584 56
42 .151 .164 .180 .198 .218 .239 .265 .294 .326 .359 .393 .435 .479 .526 .576 .637 57
43 .158 .174 .193 .213 .236 .259 .287 .317 .349 .383 .419 .464 .514 .566 .622 .689 58
44 .168 .185 .207 .231 .256 .281 .311 .342 .375 .410 .448 .497 .552 .610 .673 .745 59
45 .180 .200 .224 .230 .278 .305 .337 .370 .404 .441 .482 .535 .596 .660 .729 .807 60
46 .199 .221 .246 .274 .304 .333 .367 .403 .439 .479 .524 .582 .648 .718 .793 .877 61
47 .221 .245 .272 .301 .332 .363 .399 .438 .479 .523 .571 .634 .707 .782 .862 .954 62
48 .244 .271 .298 .329 .361 .395 .433 .476 .520 .568 .622 .690 .768 .849 .936 1.034 63
49 .267 .295 .324 .356 .389 .426 .467 .513 .562 .614 .673 .747 .832 .919 1.014 1.119 64
50 .286 .316 .347 .380 .415 .454 .498 .549 .602 .659 .722 .803 .894 .990 1.096 1.212 65
51 .299 .330 .363 .397 .433 .475 .523 .579 .636 .697 .764 .852 .950 1.057 1.176 1.314 66
52 .308 .340 .376 .410 .448 .492 .545 .606 .667 .733 .803 .899 1.004 1.123 1.258 1.428 67
53 .316 .349 .388 .423 .463 .509 .568 .633 .699 .771 .844 .947 1.061 1.192 1.346 1.551 68
54 .325 .359 .402 .440 .483 .532 .595 .665 .736 .813 .892 1.003 1.125 1.269 1.444 1.680 69
55 .337 .374 .420 .463 .510 .563 .630 .704 .780 .863 .953 1.069 1.200 1.357 1.557 1.823 70
56 .351 .390 .438 .492 .546 .604 .673 .751 .836 .926 1.034 1.147 1.282 1.443 1.670 1.972 71
57 .366 .407 .457 .525 .587 .650 .722 .804 .899 .997 1.127 1.232 1.369 1.529 1.787 2.103 72
58 .383 .429 .480 .565 .635 .705 .777 .863 .967 1.074 1.227 1.327 1.470 1.634 1.925 2.213 73
59 .406 .458 .514 .613 .692 .768 .840 .927 1.038 1.153 1.331 1.433 1.591 1.771 2.103 2.467 74
60 .437 .500 .563 .672 .758 .842 .913 .998 1.109 1.232 1.432 1.553 1.741 1.958 2.336 2.761 75
61 .475 .559 .635 .746 .837 .929 .992 1.065 1.161 1.288 1.504 1.668 1.912 2.200 2.632 3.125 76
62 .519 .630 .722 .832 .925 1.026 1.079 1.134 1.205 1.334 1.563 1.787 2.102 2.482 2.976 3.528 77
63 .569 .709 .819 .926 1.022 1.132 1.175 1.213 1.261 1.392 1.635 1.927 2.322 2.806 3.367 3.974 78
64 .628 .793 .920 1.025 1.126 1.246 1.285 1.313 1.346 1.485 1.747 2.108 2.585 3.175 3.808 4.472 79
65 .696 .87_ 1.019 1.127 1.235 1.366 1.411 1.443 1.480 1.634 1.922 2.348 2.901 3.591 4.301 5.024 80
66 .775 .961 1.110 1.226 1.342 1.479 1.542 1.597 1.664 1.841 2.163 2.635 3.246 4.021 4.814 5.604 81
67 .862 1.04_ 1.201 1.327 1.451 1.594 1.681 1.770 1.882 2.087 2.449 2.960 3.625 4.480 5.360 6.244 82
68 .958 1.136 1.294 1.433 1.570 1.721 1.842 1.975 2.144 2.384 2.792 3.347 4.066 5.002 5.974 6.969 83
69 1.061 1.232 1.394 1.549 1.704 1.872 2.035 2.222 2.458 2.741 3.205 3.817 4.601 5.621 6.688 7.856 84
70 1.170 1.336 1.503 1.679 1.861 2.059 2.274 2.524 2.831 3.167 3.699 4.391 5.260 6.371 7.534 8.932 85
71 1.286 1.447 1.618 1.818 2.034 2.270 2.546 2.869 3.256 3.653 4.262 5.048 6.013 7.218 8.480 10.094 86
72 1.408 1.565 1.741 1.969 2.225 2.511 2.558 3.263 3.736 4.203 4.900 5.800 6.874 8.179 9.542 11.474 87
73 1.535 1.693 1.875 2.135 2.442 2.794 3.221 3.717 4.279 4.827 5.625 6.667 7.875 9.289 10.752 12.977 88
74 1.668 1.832 2.022 2.319 2.6_8 3.124 3.643 4.237 4.891 5.530 6.443 7.661 9.030 10.563 12.127 14.288 89
75 1.805 1.981 2.181 2.520 2.963 3.501 4.122 4.823 5.570 6.312 7.353 8.782 10.339 12.003 13.668 90
CONTENDER Table #8
Page 1 of 4
SPECIAL CLASS
MALE
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15
1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16
2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17
3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18
4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19
5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20
6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .216 21
7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .214 .216 22
8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .212 .214 .216 23
9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .211 .212 .214 .216 24
10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .209 .211 .212 .214 .216 25
11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .207 .209 .211 .212 .214 .216 26
12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .205 .207 .209 .211 .212 .214 .216 27
13 .110 .110 .120 .120 .130 .140 .140 .140 .203 .205 .207 .209 .211 .212 .214 .216 28
14 .110 .120 .120 .130 .140 .140 .140 .201 .203 .205 .207 .209 .211 .212 .214 .216 29
15 .120 .120 .130 .140 .140 .140 .199 .201 .203 .205 .207 .209 .211 .212 .214 .216 30
16 .120 .130 .140 .140 .140 .197 .199 .201 .203 .205 .207 .209 .211 .212 .214 .219 31
17 .130 .140 .140 .140 .196 .197 .199 .201 .203 .205 .207 .209 .211 .212 .217 .221 32
18 .140 .140 .140 .194 .196 .197 .199 .201 .203 .205 .207 .209 .211 .215 .219 .225 33
19 .140 .140 .192 .194 .196 .197 .199 .201 .203 .205 .207 .209 .213 .217 .223 .231 34
20 .140 .190 .192 .194 .196 .197 .199 .201 .203 .205 .207 .211 .215 .221 .229 .256 35
21 .188 .190 .192 .194 .196 .197 .199 .201 .203 .205 .209 .213 .220 .227 .254 .271 36
22 .188 .190 .192 .194 .196 .197 .199 .201 .203 .207 .211 .218 .225 .252 .269 .290 37
23 .188 .190 .192 .194 .196 .197 .199 .201 .205 .209 .216 .223 .250 .267 .287 .312 38
24 .188 .190 .192 .194 .196 .197 .199 .203 .207 .214 .221 .248 .264 .285 .309 .336 39
25 .188 .190 .192 .194 .196 .197 .201 .205 .212 .219 .245 .262 .282 .306 .333 .363 40
26 .188 .190 .192 .194 .196 .200 .204 .210 .217 .243 .260 .280 .304 .330 .360 .385 41
27 .188 .190 .192 .194 .198 .202 .208 .215 .241 .257 .277 .301 .327 .357 .382 .409 42
28 .188 .190 .192 .196 .200 .206 .213 .239 .255 .275 .298 .324 .354 .379 .406 .436 43
29 .188 .190 .194 .198 .204 .211 .236 .253 .272 .295 .321 .351 .375 .402 .432 .468 44
30 .188 .192 .196 .202 .209 .234 .250 .270 .293 .318 .348 .372 .399 .428 .464 .506 45
31 .188 .193 .202 .214 .226 .251 .265 .283 .302 .325 .354 .384 .420 .460 .505 .555 46
32 .189 .199 .211 .227 .244 .270 .284 .301 .318 .342 .371 .408 .451 .500 .553 .610 47
33 .196 .209 .224 .243 .263 .289 .305 .324 .343 .369 .400 .442 .492 .547 .606 .670 48
34 .209 .222 .240 .260 .283 .310 .329 .351 .374 .404 .439 .486 .540 .600 .666 .736 49
35 .223 .238 .257 .279 .304 .332 .355 .381 .409 .444 .484 .536 .594 .659 .730 .806 50
36 .239 .255 .276 .299 .326 .355 .383 .414 .447 .488 .533 .590 .652 .722 .798 .877 51
37 .258 .275 .297 .320 .349 .380 .413 .450 .491 .538 .590 .651 .717 .790 .872 .950 52
38 .278 .297 .319 .343 .372 .406 .445 .488 .538 .592 .651 .717 .786 .862 .950 1.030 53
39 .298 .318 .341 .366 .397 .433 .478 .528 .585 .647 .713 .783 .856 .937 1.031 1.124 54
40 .316 .338 .363 .390 .423 .462 .512 .567 .630 .698 .771 .847 .925 1.012 1.114 1.234 55
41 .326 .352 .380 .411 .448 .490 .543 .600 .666 .737 .815 .897 .983 1.079 1.192 1.320 56
42 .333 .362 .395 .431 .472 .519 .573 .632 .698 .771 .853 .942 1.036 1.142 1.269 1.413 57
43 .341 .374 .412 .453 .499 .550 .606 .666 .732 .807 .893 .990 1.094 1.212 1.352 1.514 58
44 .353 .390 .433 .479 .531 .586 .645 .707 .775 .854 .946 1.050 1.164 1.295 1.448 1.628 59
45 .374 .415 .462 .513 .570 ._31 .694 .760 .833 .918 1.019 1.132 1.257 1.399 1.565 1.760 60
46 .410 .454 .505 .559 .621 .688 .758 .831 .914 1.011 1.126 1.248 1.383 1.534 1.709 1.919 61
47 .455 .502 .555 .613 ._79 .752 .831 .915 1.010 1.120 1.253 1.385 1.529 1.690 1.871 2.089 62
48 .504 .555 .611 .671 .742 .822 .910 1.005 1.114 1.241 1.392 1.534 1.690 1.861 2.048 2.272 63
49 .552 .608 .667 .730 .806 .894 .992 1.099 1.222 1.365 1.534 1.689 1.858 2.041 2.238 2.464 64
50 .596 .656 .719 .788 .870 .966 1.073 1.192 1.328 1.486 1.672 1.841 2.025 2.225 2.439 2.668 65
51 .630 .694 .761 .836 .926 1.031 1.147 1.280 1.428 1.599 1.798 1.982 2.184 2.404 2.648 2.917 66
52 .660 .729 .798 .881 .980 1.095 1.221 1.367 1.528 1.711 1.921 2.122 2.344 2.586 2.868 3.183 67
53 .689 .763 .837 .929 1.036 1.162 1.297 1.457 1.629 1.825 2.045 2.265 2.509 2.779 3.099 3.457 68
54 .718 .801 .882 .985 1.101 1.236 1.380 1.552 1.734 1.941 2.174 2.414 2.686 2.988 3.344 3.728 69
55 .751 .84_ .941 1.055 1.178 1.321 1.473 1.653 1.843 2.062 2.309 2.575 2.879 3.221 3.601 3.994 70
56 .787 .901 1.020 1.149 1.277 1.425 1.585 1.765 1.958 2.188 2.454 2.751 3.096 3.490 3.863 4.301 71
57 .825 .961 1.112 1.257 1.389 1.542 1.709 1.885 2.077 2.318 2.606 2.937 3.330 3.784 4.132 4.647 72
58 .866 1.026 1.211 1.373 1.509 1.665 1.838 2.009 2.199 2.452 2.7_2 3.131 3.574 4.093 4.420 5.009 73
59 .909 1.09_ 1.312 1.490 1.630 1.788 1.967 2.133 2.324 2.589 2.922 3.329 3.824 4.409 4.733 5.405 74
60 .956 1.169 1.410 1.600 1.745 1.906 2.089 2.255 2.451 2.729 3.086 3.529 4.074 4.722 5.083 5.838 75
61 1.009 1.253 1.508 1.705 1.855 2.016 2.198 2.368 2.575 2.867 3.245 3.719 4.307 5.008 5.474 6.314 76
62 1.066 1.344 1.609 1.809 1.964 2.124 2.301 2.478 2.698 3.007 3.404 3.907 4.536 5.28_ 5.897 6.827 77
63 1.126 1.435 1.706 1.908 2.069 2.229 2.403 2.589 2.826 3.151 3.570 4.104 4.775 5.576 6.351 7.384 78
64 1.186 1.520 1.793 1.998 2.167 2.332 2.507 2.706 2.963 3.306 3.751 4.319 5.038 5.898 6.834 7.968 79
65 1.245 1.591 1.864 2.074 2.256 2.431 2.616 2.835 3.114 3.476 3.952 4.564 5.339 6.272 7.346 8.558 80
66 1.305 1.655 1.926 2.141 2.338 2.527 2.727 2.970 3.274 3._56 4.167 4.828 5.665 6.678 7.887 9.141 81
67 1.365 1.709 1.974 2.197 2.411 2.621 2.842 3.113 3.446 3.848 4.400 5.115 6.021 7.125 8.457 9.764 82
68 1.422 1.745 2.004 2.237 2.473 2.711 2.964 3.270 3.635 4.057 4.657 5.437 6.424 7.635 9.055 10.419 83
69 1.477 1.760 2.012 2.259 2.522 2.797 3.095 3.443 3.841 4.286 4.943 5.799 6.879 8.216 9.681 11.161 84
70 1.529 1.754 1.998 2.264 2.558 2.880 3.236 3.632 4.067 4.534 5.256 6.200 7.387 8.869 10.333 11.967 85
71 1.701 1.927 2.183 2.486 2.833 3.221 3._53 4.133 4.650 5.185 5.983 7.010 8.261 9.794 11.313 12.994 86
72 1.887 2.116 2.385 2.728 3.135 3.597 4.114 4._91 5.303 5.913 6.796 7.912 9.220 10.781 12.337 14.112 87
73 2.086 2.32_ 2.610 2.997 3.4_9 4.013 4.628 5.315 6.036 6.732 7.708 8.924 10.278 11.836 13.398 15.304 88
74 2.299 2.560 2.861 3.294 3.838 4.472 5.197 6.010 6.853 7.646 8.726 10.055 11.444 12.961 14.493 16.331 89
75 2.525 2._18 3.138 3.620 4.242 4.974 5.821 6.774 7.755 8.65_ 9.851 11.306 12.716 14.155 15.621 90
CONTENDER Table #8
Page 2 0f 4
SPECIAL CLASS
FEMALE
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15
1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16
2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17
3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18
4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19
5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20
6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .187 21
7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .186 .187 22
8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .184 .186 .187 23
9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .183 .184 .186 .187 24
10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .181 .183 .184 .186 .187 25
11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .179 .181 .183 .184 .186 .187 26
12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .178 .179 .181 .183 .184 .186 .187 27
13 .100 .100 .110 .110 .120 .120 .120 .120 .176 .178 .179 .181 .183 .184 .186 .187 28
14 .100 .110 .110 .120 .120 .120 .120 .174 .176 .178 .179 .181 .183 .184 .186 .187 29
15 .110 .110 .120 .120 .120 .120 .173 .174 .176 .178 .179 .181 .183 .184 .186 .187 30
16 .110 .120 .120 .120 .120 .171 .173 .174 .176 .178 .179 .181 .183 .184 .186 .190 31
17 .120 .120 .120 .120 .170 .171 .173 .174 .176 .178 .179 .181 .183 .184 .188 .192 32
18 .120 .120 .120 .168 .170 .171 .173 .174 .176 .178 .179 .181 .183 .18_ .190 .196 33
19 .120 .120 .166 .168 .170 .171 .173 .174 .176 .178 .179 .181 .185 .189 .194 .201 34
20 .120 .165 .166 .168 .170 .171 .173 .174 .176 .178 .179 .183 .187 .192 .200 .212 35
21 .163 .165 .166 .168 .170 .171 .173 .174 .176 .178 .182 .185 .190 .198 .210 .227 36
22 .163 .165 .166 .168 .170 .171 .173 .174 .176 .180 .184 .189 .196 .208 .225 .245 37
23 .163 .165 .166 .168 .170 .171 .173 .174 .178 .182 .187 .194 .206 .223 .243 .267 38
24 .163 .165 .166 .168 .170 .171 .173 .177 .180 .185 .193 .204 .221 .241 .264 .291 39
25 .163 .165 .166 .168 .170 .171 .175 .179 .184 .191 .202 .219 .239 .262 .288 .316 40
26 .163 .165 .166 .168 .170 .173 .177 .182 .189 .201 .217 .236 .260 .286 .314 .337 41
27 .163 .165 .166 .168 .172 .175 .180 .187 .199 .215 .234 .258 .283 .311 .334 .358 42
28 .163 .165 .166 .170 .174 .179 .186 .197 .213 .232 .255 .281 .308 .331 .355 .381 43
29 .163 .165 .168 .172 .177 .184 .195 .211 .230 .253 .278 .305 .328 .351 .377 .408 44
30 .163 .167 .170 .175 .182 .193 .209 .228 .251 .276 .303 .325 .348 .374 .405 .443 45
31 .165 .169 .172 .183 .196 .212 .226 .241 .258 .279 .306 .336 .369 .407 .449 .488 46
32 .167 .171 .178 .194 .212 .230 .244 .258 .273 .293 .320 .356 .398 .445 .495 .537 47
33 .169 .173 .188 .207 .228 .249 .265 .279 .295 .317 .347 .387 .434 .487 .543 .592 48
34 .171 .185 .201 .222 .245 .269 .287 .305 .324 .350 .383 .427 .476 .533 .593 .651 49
35 .184 .199 .217 .239 .2_3 .289 .311 .333 .357 .387 .424 .471 .523 .582 .645 .712 50
36 .199 .215 .234 .257 .282 .310 .336 .363 .392 .427 .469 .519 .573 .634 .700 .768 51
37 .217 .235 .254 .277 .302 .332 .363 .396 .432 .474 .521 .573 .628 .689 .757 .823 52
38 .238 .256 .275 .298 .323 .354 .391 .431 .475 .524 .577 .630 .686 .747 .817 .884 53
39 .258 .277 .297 .319 .346 .378 .419 .466 .517 .573 .631 .688 .745 .807 .880 .956 54
40 .275 .296 .317 .341 .369 .404 .449 .500 .556 .617 .681 .741 .802 .869 .947 1.044 55
41 .285 .309 .333 .361 .392 .430 .477 .528 .585 .647 .715 .781 .850 .927 1.015 1.121 56
42 .291 .319 .347 .379 .416 .457 .504 .554 .609 .671 .741 .815 .894 .983 1.085 1.206 57
43 .298 .329 .362 .400 .441 .486 .533 .582 .635 .696 .768 .851 .942 1.044 1.160 1.295 58
44 .309 .343 .381 .424 .470 .519 .567 .615 .668 .730 .806 .897 .999 1.114 1.242 1.389 59
45 .327 .365 .406 .453 .504 .557 .608 .659 .715 .781 .863 .961 1.073 1.198 1.336 1.485 60
46 .360 .400 .442 .491 .545 .602 .6_0 .719 .785 .861 .953 1.057 1.175 1.303 1.443 1.602 61
47 .401 .442 .486 .535 .590 .652 .718 .789 .868 .958 1.063 1.171 1.293 1.422 1.561 1.728 62
48 .445 .488 .532 .582 .639 .705 .782 .865 .958 1.064 1.182 1.296 1.421 1.550 1.687 1.851 63
49 .489 .533 .579 .630 .689 .761 .847 .943 1.050 1.170 1.302 1.421 1.551 1.682 1.821 1.980 64
50 .326 .574 .623 .677 .740 .817 .911 1.018 1.136 1.268 1.411 1.537 1.675 1.813 1.960 2.117 65
51 .352 .604 .658 .719 .789 .872 .972 1.088 1.212 1.351 1.501 1.634 1.782 1.933 2.104 2.282 66
52 .573 .630 .688 .759 .837 .928 1.033 1.157 1.286 1.429 1.583 1.725 1.883 2.051 2.255 2.458 67
53 .592 .656 .720 .800 .888 .986 1.095 1.226 1.357 1.504 1.662 1.814 1.985 2.174 2.413 2.644 68
54 .612 .684 .757 .847 .943 1.048 1.160 1.296 1.429 1.579 1.744 1.909 2.096 2.309 2.576 2.844 69
55 .636 .718 .803 .903 1.005 1.114 1.229 1.367 1.501 1.657 1.832 2.014 2.222 2.463 2.747 3.056 70
56 .666 .763 .8_6 .975 1.078 1.189 1.306 1.440 1.574 1.739 1.933 2.140 2.377 2._51 2.918 3.275 71
57 .700 .813 .940 1.057 1.158 1.269 1.387 1.514 1.646 1.823 2.039 2.278 2.549 2.861 3.092 3.497 72
58 .735 .867 1.012 1.142 1.242 1.351 1.471 1.589 1.720 1.909 2.149 2.419 2.727 3.080 3.276 3.716 73
59 .771 .922 1.095 1.227 1.325 1.433 1.554 1.665 1.795 1.995 2.257 2.558 2.903 3.298 3.476 3.933 74
60 .807 .977 1.166 1.303 1.402 1.512 1.634 1.741 1.874 2.082 2.361 2.688 3.066 3.503 3.698 4.173 75
61 .842 1.034 1.230 1.370 1.474 1.588 1.710 1.818 1.956 2.166 2.4_0 2.788 3.189 3.663 3.936 4.438 76
62 .878 1.092 1.292 1.434 1.544 1._62 1.784 1.897 2.040 2.250 2.531 2.874 3.293 3.803 4.189 4.744 77
63 .914 1.150 1.349 1.492 1.610 1.734 1.856 1.975 2.126 2.336 2.614 2.961 3.400 3.950 4.466 5.140 78
64 .951 1.202 1.399 1.543 1.669 1.800 1.926 2.054 2.216 2.429 2.709 3.067 3.532 4.128 4.777 5.566 79
65 .987 1.245 1.439 1.586 1.721 1.860 1.992 2.133 2.310 2.530 2.825 3.208 3.711 4.366 5.132 6.023 80
66 1.024 1.283 1.472 1.622 1.766 1.915 2.055 2.212 2.407 2.637 2.953 3.367 3.915 4.636 5.520 6.473 81
67 1.0_0 1.314 1.497 1.650 1.805 1.963 2.116 2.291 2.507 2.752 3.097 3.553 4.156 4.952 5.948 6.952 82
68 1.097 1.334 1.511 1.670 1.834 2.004 2.172 2.369 2.611 2.878 3.267 3.781 4.455 5.340 6.423 7.483 83
69 1.133 1.341 1.513 1.679 1.852 2.036 2.225 2.447 2.719 3.016 3.468 4.061 4.823 5.813 6.952 8.138 84
70 1.170 1.336 1.503 1.679 1.8_1 2.059 2.274 2.524 2.831 3.167 3.699 4.391 5.260 6.371 7.534 8.932 85
71 1.286 1.447 1.618 1.818 2.034 2.270 2.546 2.869 3.256 3.653 4.262 5.048 6.013 7.218 8.480 10.094 86
72 1.408 1.565 1.741 1.969 2.225 2.511 2.858 3.263 3.736 4.203 4.900 5.800 6.874 8.179 9.542 11.474 87
73 1.535 1.693 1.875 2.135 2.442 2.794 3.221 3.717 4.279 4.827 5.625 6.667 7.875 9.289 10.752 12.977 88
74 1.668 1.832 2.022 2.319 2._88 3.124 3.643 4.237 4.891 5.530 6.443 7.661 9.030 10.563 12.127 14.288 89
75 1.805 1.981 2.181 2.520 2.9_3 3.301 4.122 4.823 5.570 6.312 7.353 8.782 10.339 12.003 13.668 90
CONTENDER Table #9
Page 1 of 2
PREFERRED NON-SMOKER
MALE
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15
1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16
2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17
3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18
4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19
5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20
6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .073 21
7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .072 .073 22
8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .072 .072 .073 23
9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .071 .072 .072 .073 24
10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .071 .071 .072 .072 .073 25
11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .070 .071 .071 .072 .072 .073 26
12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .070 .070 .071 .071 .072 .072 .073 27
13 .110 .110 .120 .120 .130 .140 .140 .140 .070 .070 .070 .071 .071 .072 .072 .073 28
14 .110 .120 .120 .130 .140 .140 .140 .069 .070 .070 .070 .071 .071 .072 .072 .073 29
15 .120 .120 .130 .140 .140 .140 .069 .069 .070 .070 .070 .071 .071 .072 .072 .073 30
16 .120 .130 .140 .140 .140 .068 .069 .069 .070 .070 .070 .071 .071 .072 .072 .074 31
17 .130 .140 .140 .140 .068 .068 .069 .069 .070 .070 .070 .071 .071 .072 .073 .074 32
18 .140 .140 .140 .067 .068 .068 .069 .069 .070 .070 .070 .071 .072 .073 .073 .074 33
19 .140 .140 .067 .067 .068 .068 .069 .069 .070 .070 .070 .071 .073 .073 .074 .075 34
20 .140 .067 .067 .067 .068 .068 .069 .069 .070 .070 .071 .072 .073 .073 .075 .083 35
21 .066 .067 .067 .067 .068 .068 .069 .069 .070 .071 .072 .072 .073 .075 .082 .086 36
22 .066 .067 .067 .067 .068 .068 .069 .069 .070 .071 .072 .072 .074 .082 .086 .092 37
23 .066 .067 .067 .067 .068 .068 .069 .070 .071 .071 .072 .074 .081 .086 .091 .098 38
24 .066 .067 .067 .067 .068 .068 .069 .070 .071 .072 .073 .081 .085 .091 .098 .104 39
25 .066 .067 .067 .067 .068 .069 .070 .070 .071 .073 .081 .085 .090 .097 .104 .112 40
26 .066 .067 .067 .067 .068 .069 .070 .071 .072 .080 .084 .090 .096 .103 .112 .119 41
27 .066 .067 .067 .067 .068 .069 .070 .071 .079 .083 .089 .096 .102 .111 .118 .126 42
28 .066 .067 .067 .067 .068 .069 .071 .078 .083 .088 .095 .102 .110 .117 .125 .134 43
29 .066 .067 .067 .067 .068 .069 .077 .081 .087 .094 .101 .109 .116 .124 .134 .144 44
30 .066 .067 .067 .067 .069 .076 .081 .086 .092 .099 .108 .115 .123 .132 .143 .156 45
31 .066 .067 .067 .070 .074 .080 .085 .090 .096 .102 .111 .120 .131 .144 .158 .171 46
32 .066 .067 .070 .074 .078 .085 .090 .095 .101 .107 .117 .128 .142 .157 .173 .188 47
33 .066 .068 .072 .078 .083 .090 .095 .100 .107 .115 .125 .138 .154 .171 .189 .206 48
34 .067 .071 .076 .082 .088 .095 .101 .107 .116 .124 .136 .150 .167 .186 .206 .227 49
35 .070 .074 .079 .086 .092 .100 .107 .115 .125 .135 .148 .164 .182 .202 .224 .248 50
36 .075 .079 .085 .093 .100 .109 .117 .127 .138 .150 .165 .182 .203 .224 .249 .275 51
37 .081 .086 .092 .100 .108 .117 .128 .139 .153 .168 .185 .204 .226 .249 .275 .303 52
38 .088 .093 .100 .108 .117 .127 .140 .154 .170 .187 .207 .227 .251 .275 .304 .333 53
39 .095 .101 .108 .117 .127 .138 .153 .170 .188 .208 .230 .253 .278 .304 .336 .370 54
40 .103 .109 .118 .127 .138 .151 .168 .187 .207 .230 .255 .280 .307 .337 .372 .412 55
41 .110 .117 .127 .139 .151 .166 .1_4 .205 .227 .251 .279 .308 .338 .372 .411 .455 56
42 .116 .125 .137 .151 .165 .182 .202 .223 .247 .274 .304 .336 .371 .409 .454 .503 57
43 .123 .135 .149 .164 .182 .201 .222 .244 .269 .298 .330 .367 .406 .449 .500 .556 58
44 .132 .146 .162 .179 .199 .221 .244 .268 .294 .326 .361 .402 .446 .496 .553 .616 59
45 .144 .160 .178 .197 .220 .244 .269 .295 .323 .358 .397 .442 .491 .548 .612 .685 60
46 .162 .179 .199 .221 .246 .273 .300 .329 .360 .399 .442 .492 .547 .609 .679 .755 61
47 .184 .203 .224 .248 .275 .305 .335 .367 .403 .445 .493 .548 .609 .677 .754 .834 62
48 .208 .228 .252 .276 .306 .340 .372 .408 .449 .495 .548 .608 .676 .751 .835 .923 63
49 .231 .254 .279 .305 .338 .375 .411 .451 .496 .548 .606 .672 .747 .830 .921 1.020 64
50 .253 .278 .306 .334 .369 .409 .450 .494 .544 .600 .664 .737 .820 .911 1.014 1.133 65
51 .271 .298 .328 .358 .395 .438 .483 .532 .587 .649 .718 .799 .889 .989 1.100 1.249 66
52 .286 .315 .347 .379 .419 .465 .515 .569 .630 .697 .773 .861 .958 1.066 1.188 1.383 67
53 .300 .331 .367 .401 .443 .493 .548 .608 .674 .747 .830 .927 1.032 1.151 1.286 1.526 68
54 .316 .350 .390 .427 .473 .526 .587 .653 .725 .804 .894 1.002 1.119 1.253 1.407 1.659 69
55 .337 .373 .417 .461 .512 .570 .635 .707 .785 .871 .970 1.088 1.222 1.380 1.563 1.773 70
56 .355 .394 .440 .496 .554 .618 .686 .761 .846 .935 1.043 1.167 1.321 1.508 1.732 1.996 71
57 .374 .416 .463 .535 .601 .675 .742 .822 .914 1.007 1.122 1.248 1.427 1.650 1.923 2.252 72
58 .397 .442 .492 .581 .656 .733 .808 .891 .990 1.086 1.210 1.344 1.552 1.817 2.145 2.533 73
59 .426 .479 .533 .638 .721 .810 .882 .967 1.074 1.176 1.314 1.462 1.706 2.019 2.407 2.850 74
60 .464 .529 .591 .707 .797 .892 .965 1.055 1.168 1.278 1.436 1.611 1.898 2.269 2.715 3.206 75
61 .510 .597 .675 .793 .884 .976 1.050 1.141 1.258 1.378 1.565 1.786 2.129 2.569 3.074 3.610 76
62 .561 .681 .776 .891 .980 1.067 1.140 1.231 1.348 1.481 1.702 1.983 2.391 2.910 3.476 4.062 77
63 .622 .773 .__9 1.002 1.088 1.170 1.245 1.33_ 1.457 1.605 1.864 2.212 2.690 3.294 3.921 4.567 78
64 .695 .874 1.011 1.122 1.211 1.292 1.374 1.471 1.599 1.767 2.067 2.482 3.032 3.722 4.412 5.120 79
65 .780 .982 1.136 1.251 1.348 1.440 1.535 1.648 1.792 1.982 2.325 2.803 3.423 4.195 4.952 5.710 80
66 .876 1.083 1.249 1.375 1.492 1.604 1.723 1.861 2.030 2.247 2.630 3.161 3.847 4.707 5.541 6.331 81
67 .983 1.187 1.364 1.510 1.649 1.787 1.937 2.106 2.306 2.551 2.976 3.537 4.312 5.261 6.180 7.016 82
68 1.102 1.300 1.486 1.654 1.821 1.994 2.1_1 2.388 2.628 2.906 3.375 4.006 4.826 5.861 6.863 7.762 83
69 1.233 1.425 1.620 1.813 2.015 2.229 2.461 2.718 3.004 3.322 3.839 4.525 5.404 6.510 7.583 8.618 84
9.574 85
10.395 86
11.290 87
12.243 88
13.065 89
CONTENDER Table #9
Page 2 of 2
PREFERRED NON-SMOKER
FEMALE
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMAT
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------
0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15
1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16
2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17
3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18
4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19
5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20
6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .063 21
7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .062 .063 22
8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .062 .062 .063 23
9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .062 .062 .062 .063 24
10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .061 .062 .062 .062 .063 25
11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .061 .061 .062 .062 .062 .063 26
12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .061 .061 .061 .062 .062 .062 .063 27
13 .100 .100 .110 .110 .120 .120 .120 .120 .060 .061 .061 .061 .062 .062 .062 .063 28
14 .100 .110 .110 .120 .120 .120 .120 .060 .060 .061 .061 .061 .062 .062 .062 .063 29
15 .110 .110 .120 .120 .120 .120 .060 .060 .060 .061 .061 .061 .062 .062 .062 .063 30
16 .110 .120 .120 .120 .120 .060 .060 .060 .060 .061 .061 .061 .062 .062 .063 .064 31
17 .120 .120 .120 .120 .059 .060 .060 .060 .060 .061 .061 .061 .062 .062 .063 .064 32
18 .120 .120 .120 .058 .059 .060 .060 .060 .060 .061 .061 .061 .062 .063 .063 .064 33
19 .120 .120 .058 .058 .059 .060 .060 .060 .060 .061 .061 .062 .063 .063 .064 .065 34
20 .120 .058 .058 .058 .059 .060 .060 .060 .060 .061 .062 .063 .063 .064 .065 .068 35
21 .057 .058 .058 .058 .059 .060 .060 .060 .060 .061 .062 .063 .063 .065 .068 .073 36
22 .057 .058 .058 .058 .059 .060 .060 .060 .061 .062 .062 .063 .065 .067 .072 .077 37
23 .057 .058 .058 .058 .059 .060 .060 .061 .062 .062 .063 .064 .066 .072 .077 .084 38
24 .057 .058 .058 .058 .059 .060 .060 .061 .062 .063 .064 .066 .071 .076 .083 .090 39
25 .057 .058 .058 .058 .059 .060 .060 .061 .062 .063 .066 .071 .076 .083 .090 .097 40
26 .057 .058 .058 .058 .059 .060 .060 .061 .062 .065 .070 .076 .082 .089 .097 .104 41
27 .057 .058 .058 .058 .059 .060 .060 .062 .064 .069 .074 .081 .088 .096 .103 .110 42
28 .057 .058 .058 .058 .059 .060 .061 .064 .068 .074 .080 .087 .095 .102 .109 .118 43
29 .057 .058 .058 .058 .059 .060 .062 .067 .073 .079 .086 .094 .101 .108 .117 .126 44
30 .057 .058 .058 .058 .059 .061 .065 .071 .077 .085 .092 .100 .107 .115 .125 .137 45
31 .057 .058 .058 .058 .062 .065 .070 .074 .080 .086 .095 .103 .114 .125 .138 .150 46
32 .057 .058 .058 .060 .065 .070 .075 .079 .084 .091 .099 .109 .123 .137 .153 .166 47
33 .057 .058 .058 .063 .068 .074 .080 .084 .090 .097 .106 .118 .133 .149 .167 .182 48
34 .057 .058 .060 .065 .071 .078 .084 .090 .096 .105 .116 .128 .145 .162 .182 .200 49
35 .057 .058 .062 .068 .075 .082 .089 .096 .104 .114 .126 .140 .158 .177 .198 .217 50
36 .057 .060 .066 .072 .079 .087 .095 .103 .113 .124 .136 .152 .170 .190 .211 .233 51
37 .059 .064 .070 .078 .083 .091 .101 .111 .122 .135 .148 .165 .184 .203 .225 .248 52
38 .063 .068 .074 .080 .088 .097 .107 .119 .132 .146 .161 .179 .198 .218 .240 .264 53
39 .068 .073 .078 .085 .093 .102 .113 .127 .142 .158 .174 .193 .212 .232 .254 .279 54
40 .072 .077 .083 .091 .099 .109 .121 .136 .152 .169 .186 .206 .226 .248 .271 .296 55
41 .075 .081 .088 .096 .106 .116 .129 .144 .161 .179 .196 .218 .240 .263 .288 .315 56
42 .078 .085 .093 .103 .113 .124 .138 .153 .170 .188 .206 .229 .252 .278 .305 .338 57
43 .081 .089 .099 .109 .121 .133 .148 .163 .180 .198 .216 .240 .266 .294 .323 .358 58
44 .085 .093 .105 .117 .130 .142 .158 .173 .190 .208 .228 .253 .281 .311 .343 .380 59
45 .090 .100 .112 .125 .139 .152 .168 .185 .202 .220 .241 .267 .298 .330 .364 .404 60
46 .101 .113 .126 .140 .156 .171 .189 .207 .226 .247 .271 .301 .336 .372 .412 .456 61
47 .115 .12_ .142 .158 .174 .191 .211 .232 .254 .278 .305 .339 .379 .420 .464 .515 62
48 .129 .144 .169 .176 .194 .213 .235 .259 .284 .311 .342 .381 .425 .472 .522 .579 63
49 .144 .160 .177 .195 .214 .236 .260 .287 .315 .346 .381 .425 .476 .528 .585 ._49 64
50 .157 .175 .193 .213 .234 .257 .284 .315 .347 .382 .421 .471 .527 .587 .654 .727 65
51 .167 .180 .206 .227 .249 .276 .305 .340 .377 .415 .458 .515 .578 .647 .724 .815 66
52 .176 .195 .218 .239 .264 .292 .326 .365 .405 .449 .495 .559 .629 .708 .799 .914 67
53 .183 .204 .229 .252 .278 .309 .348 .391 .435 .484 .535 .605 .683 .774 .881 1.024 68
54 .192 .214 .242 .268 .297 .330 .372 .420 .470 .524 .580 .658 .745 .848 .973 1.142 69
55 .202 .227 .258 .287 .320 .357 .403 .455 .510 .570 .635 .720 .816 .932 1.079 1.27_ 70
56 .214 .241 .273 .310 .348 .389 .437 .493 .555 .620 .700 .784 .885 1.005 1.175 1.400 71
57 .227 .255 .289 .336 .380 .425 .477 .536 .605 .678 .774 .854 .958 1.081 1.275 1.514 72
58 .241 .273 .309 .367 .417 .468 .521 .584 .661 .741 .855 .933 1.044 1.171 1.392 1.615 73
59 .260 .296 .336 .405 .461 .517 .571 .637 .720 .807 .941 1.022 1.146 1.287 1.542 1.826 74
60 .284 .328 .373 .450 .513 .575 .630 .695 .780 .875 1.026 1.123 1.271 1.442 1.736 2.071 75
61 .313 .373 .428 .507 .575 .644 .694 .753 .828 .927 1.093 1.223 1.415 1.643 1.983 2.375 76
62 .348 .426 .493 .574 .644 .722 .766 .813 .872 .974 1.151 1.328 1.576 1.878 2.272 2.717 77
63 .387 .487 .568 .648 .722 .807 .846 .881 .925 1.030 1.221 1.452 1.765 2.151 2.604 3.100 78
64 .433 .552 .647 .728 .807 .901 .938 .967 1.000 1.114 1.322 1.609 1.990 2.466 2.983 3.533 79
65 .487 .620 .727 .811 .897 1.002 1.044 1.077 1.115 1.242 1.474 1.816 2.263 2.825 3.412 4.019 80
66 .542 .679 .792 .883 .975 1.085 1.141 1.192 1.253 1.399 1.658 2.038 2.532 3.163 3.819 4.483 81
67 .603 .739 .857 .955 1.034 1.169 1.244 1.322 1.418 1.586 1.878 2.289 2.827 3.524 4.252 4.995 82
68 .671 .803 .923 1.032 1.141 1.262 1.363 1.475 1.615 1.812 2.141 2.588 3.171 3.935 4.739 5.575 83
69 .743 .871 .994 1.115 1.238 1.373 1.506 1.659 1.852 2.083 2.457 2.952 3.589 4.422 5.306 6.285 84
7.146 85
8.075 86
9.179 87
10.382 88
11.430 89
Table # __
page 2 of _
Base Policy
Male Non-Smoker
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
21 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .15100 36
22 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .15100 37
23 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .15100 38
24 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .15100 39
25 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .15100 40
26 .153 .153 .154 .156 .156 .156 .156 .156 .156 .156 .156 .156 .156 .156 .158 .16000 41
27 .153 .156 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .161 .165 .167 .16800 42
28 .159 .160 .160 .161 .161 .161 .161 .161 .161 .161 .164 .169 .173 .175 .176 .17800 43
29 .164 .166 .166 .166 .167 .167 .167 .167 .167 .171 .176 .181 .183 .185 .188 .18700 44
30 .172 .172 .172 .172 .172 .172 .172 .173 .179 .184 .189 .192 .195 .198 .198 .19800 45
31 .177 .177 .177 .177 .177 .179 .181 .187 .193 .199 .202 .205 .209 .209 .210 .21300 46
32 .182 .182 .182 .182 .186 .189 .195 .202 .208 .212 .216 .220 .222 .223 .226 .23000 47
33 .189 .189 .189 .193 .197 .204 .211 .218 .223 .227 .232 .235 .236 .241 .247 .24900 48
34 .198 .198 .201 .205 .213 .221 .229 .234 .239 .245 .248 .251 .257 .264 .268 .27100 49
35 .209 .211 .215 .223 .232 .240 .246 .252 .259 .262 .266 .274 .282 .288 .294 .29400 50
36 .215 .219 .228 .237 .247 .255 .262 .271 .276 .282 .293 .305 .315 .326 .332 .33200 51
37 .222 .232 .242 .253 .262 .270 .281 .288 .296 .309 .325 .339 .355 .366 .373 .37000 52
38 .235 .24_ .258 .267 .277 .289 .298 .308 .324 .342 .360 .380 .397 .410 .413 .41400 53
39 .248 .261 .272 .283 .296 .307 .318 .336 .357 .378 .403 .425 .443 .452 .460 .46300 54
40 .263 .275 .287 .301 .313 .327 .347 .370 .394 .422 .448 .471 .487 .501 .512 .52200 55
41 .__6 .289 .305 .318 .333 .355 .381 .407 .439 .469 .496 .517 .537 .555 .574 .60200 56
42 .___ .307 .321 .337 .361 .389 .418 .452 .486 .517 .542 .568 .592 .619 .658 .69400 57
43 .___ .322 .340 .365 .394 .425 .463 .499 .535 .563 .594 .624 .658 .707 .754 .79400 58
44 .322 .340 .366 .397 .430 .470 .509 .548 .580 .615 .651 .691 .748 .806 .858 .90200 59
45 .339 .366 .398 .432 .474 .516 .557 .593 .632 .671 .718 .783 .850 .913 .970 1.01800 60
46 .359 .392 .427 .470 .514 .558 .596 .639 .683 .734 .806 .882 .955 1.024 1.087 1.12900 61
47 .383 .419 .463 .507 .553 .594 .639 .687 .743 .820 .903 .986 1.065 1.141 1.197 1.25300 62
48 .407 .451 .497 .543 .586 .634 .684 .744 .825 .915 1.004 1.093 1.180 1.249 1.319 1.39700 63
49 .436 .481 .529 .572 .622 .674 .736 .822 .916 1.012 1.108 1.204 1.284 1.367 1.461 1.56100 64
50 .462 .509 .553 .603 .657 .721 .809 .906 1.007 1.109 1.213 1.302 1.397 1.504 1.621 1.74100 65
51 .483 .528 .578 .632 .697 .786 .885 .988 1.095 1.205 1.302 1.407 1.526 1.657 1.794 1.96800 66
52 .497 .546 .601 .665 .754 .853 .958 1.068 1.182 1.285 1.397 1.526 1.669 1.821 2.013 2.21400 67
53 .508 .562 .625 .712 .811 .915 1.026 1.143 1.250 1.368 1.504 1.657 1.821 2.028 2.248 2.48100 68
54 .516 .578 .662 .758 .861 .971 1.088 1.198 1.320 1.461 1.621 1.794 2.013 2.248 2.500 2.75600 69
55 .522 .602 .694 .794 .902 1.018 1.129 1.253 1.397 1.561 1.741 1.968 2.214 2.481 2.756 3.05500 70
56 .580 .671 .769 .876 .992 1.102 1.226 1.371 1.535 1.717 1.945 2.193 2.464 2.743 3.048 3.36900 71
57 .644 .741 .846 .960 1.070 1.194 1.338 1.502 1.684 1.913 2.162 2.435 2.717 3.026 3.353 3.72700 72
58 .708 .811 .923 1.032 1.155 1.298 1.462 1.643 1.871 2.121 2.394 2.679 2.991 3.322 3.701 4.11300 73
59 .772 .882 .989 1.110 1.252 1.414 1.593 1.820 2.069 2.342 2.627 2.941 3.275 3.657 4.075 4.54300 74
60 .835 .940 1.059 1.198 1.358 1.536 1.759 2.006 2.278 2.563 2.877 3.212 3.597 4.017 4.490 5.02400 75
61 .885 1.001 1.137 1.294 1.4_9 1.690 1.934 2.204 2.489 2.804 3.139 3.523 3.944 4.419 4.955 5.49300 76
62 .937 1.069 1.222 1.394 1.610 1.850 2.117 2.400 2.714 3.052 3.435 3.855 4.329 4.867 5.407 6.00500 77
63 .995 1.143 1.309 1.519 1.753 2.016 2.295 2.607 2.943 3.332 3.750 4.222 4.758 5.299 5.899 6.56700 78
64 1.055 1.216 1.419 1.646 1.900 2.175 2.482 2.815 3.201 3.628 4.096 4.629 5.169 5.769 6.438 7.16700 79
65 1.114 1.309 1.528 1.774 2.039 2.340 2.668 3.049 3.471 3.952 4.480 5.017 5.615 6.282 7.012 7.78500 80
66 1.260 1.472 1.712 1.971 2.261 2.581 2.952 3.364 3.834 4.371 4.898 5.485 6.140 6.856 7.616 8.51500 81
67 1.417 1.650 1.902 2.184 2.493 2.855 3.258 3.716 4.240 4.779 5.354 5.998 6.701 7.448 8.331 9.31500 82
68 1.588 1.833 2.108 2.409 2.758 3.151 3.598 4.110 4.636 5.224 5.856 6.546 7.279 8.146 9.113 10.17700 83
69 1.764 2.032 2.325 2.665 3.044 3.480 3.979 4.493 5.068 5.713 6.391 7.110 7.962 8.911 9.957 11.16400 84
70 1.955 2.240 2.572 2.941 3.362 3.848 4.350 4.912 5.543 6.235 6.942 7.777 8.710 9.736 10.922 12.25800 85
71 2.156 2.478 2.838 3.248 3.718 4.208 4.756 5.372 6.049 6.773 7.593 8.508 9.516 10.680 11.992 13.46900 86
72 2.385 2.735 3.135 3.592 4.065 4.600 5.201 5.863 6.571 7.408 8.306 9.295 10.438 11.727 13.177 14.80000 87
73 2.632 3.021 3.467 3.928 4.444 5.030 5.676 6.368 7.187 8.104 9.075 10.196 11.461 12.885 14.479 16.23700 88
74 2.908 3.341 3.790 4.294 4.860 5.490 6.166 6.965 7.862 8.854 9.955 11.196 12.594 14.159 15.885 17.52500 89
75 3.215 3.653 4.143 4.695 5.304 5.963 6.744 7.620 8.589 9.713 10.930 12.302 13.838 15.533 17.145 18.57600 90
19.24900 91
19.92900 92
21.05500 93
22.77100 94
Table # __
page 5 of _
Base Policy
Female Non-Smoker
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
21 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .13300 36
22 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .13300 37
23 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .13300 38
24 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .13300 39
25 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .135 .13800 40
26 .134 .134 .134 .135 .135 .135 .135 .135 .135 .135 .135 .135 .135 .139 .141 .14400 41
27 .136 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .140 .143 .145 .148 .14900 42
28 .142 .145 .145 .145 .145 .145 .145 .145 .145 .145 .145 .149 .151 .153 .155 .15600 43
29 .149 .149 .149 .149 .149 .149 .149 .149 .149 .152 .155 .157 .159 .161 .161 .16200 44
30 .158 .159 .159 .159 .159 .159 .159 .159 .159 .163 .165 .167 .169 .169 .169 .16900 45
31 .162 .162 .162 .162 .162 .162 .164 .167 .171 .173 .176 .178 .178 .179 .179 .17900 46
32 .169 .169 .169 .169 .171 .173 .176 .181 .183 .186 .189 .189 .190 .190 .190 .19100 47
33 .179 .179 .179 .179 .183 .186 .191 .194 .197 .200 .200 .202 .202 .204 .204 .20400 48
34 .189 .188 .189 .192 .197 .202 .206 .209 .213 .214 .215 .216 .219 .220 .220 .22000 49
35 .201 .201 .204 .209 .215 .218 .223 .227 .228 .231 .232 .236 .239 .239 .239 .23900 50
36 .205 .208 .214 .221 .225 .231 .237 .240 .244 .247 .254 .261 .267 .271 .271 .27100 51
37 .211 .217 .225 .231 .238 .245 .249 .256 .261 .271 .281 .291 .296 .296 .296 .29600 52
38 .220 .229 .235 .243 .252 .257 .266 .273 .285 .299 .312 .327 .327 .333 .333 .33300 53
39 .231 .238 .247 .257 .264 .274 .283 .298 .314 .331 .350 .360 .360 .360 .360 .36000 54
40 .240 .250 .260 .269 .280 .291 .307 .326 .346 .369 .391 .391 .393 .393 .393 .39300 55
41 .251 .262 .272 .284 .296 .315 .336 .359 .385 .411 .419 .419 .419 .420 .420 .42000 56
42 .263 .273 .287 .300 .320 .343 .368 .398 .427 .439 .446 .451 .454 .454 .454 .45400 57
43 .273 .287 .302 .323 .348 .375 .407 .439 .454 .466 .475 .483 .493 .501 .501 .50100 58
44 .286 .301 .324 .350 .379 .413 .448 .466 .481 .494 .507 .522 .537 .548 .549 .54900 59
45 .299 .322 .349 .380 .416 .453 .474 .492 .508 .524 .544 .566 .583 .596 .599 .59900 60
46 .322 .350 .381 .420 .459 .482 .502 .522 .541 .565 .592 .615 .634 .646 .652 .65300 61
47 .349 .381 .420 .461 .486 .509 .531 .554 .582 .613 .641 .666 .685 .698 .707 .71300 62
48 .378 .418 .461 .487 .512 .536 .562 .593 .628 .661 .691 .716 .736 .752 .767 .78200 63
49 .414 .457 .485 .511 .537 .566 .599 .638 .675 .710 .740 .766 .789 .812 .836 .85900 64
50 .450 .479 .506 .535 .564 .601 .642 .683 .722 .758 .789 .818 .848 .881 .913 .94300 65
51 .470 .498 .528 .559 .597 .641 .684 .727 .766 .803 .838 .875 .915 .956 .996 1.06300 66
52 .487 .517 .549 .589 .634 .680 .725 .768 .808 .849 .891 .938 .988 1.037 1.116 1.19300 67
53 .502 .535 .576 .622 .669 .717 .762 .806 .851 .898 .951 1.008 1.066 1.155 1.245 1.33300 68
54 .517 .558 .605 .653 .702 .750 .796 .844 .896 .954 1.016 1.081 1.180 1.280 1.382 1.47800 69
55 .535 .582 .631 .681 .730 .779 .829 .884 .946 1.014 1.084 1.191 1.300 1.413 1.522 1.63500 70
56 .577 .627 .678 .729 .779 .831 .888 .953 1.023 1.098 1.208 1.323 1.442 1.559 1.680 1.77900 71
57 .620 .672 .724 .775 .829 .888 .955 1.028 1.106 1.220 1.340 1.465 1.587 1.716 1.823 1.94200 72
58 .663 .715 .768 .823 .884 .953 1.028 1.108 1.226 1.350 1.480 1.608 1.743 1.857 1.985 2.11500 73
59 .704 .757 .814 .876 .946 1.023 1.106 1.226 1.354 1.488 1.621 1.761 1.882 2.017 2.156 2.30600 74
60 .743 .800 .863 .934 1.014 1.098 1.220 1.350 1.488 1.626 1.771 1.898 2.039 2.186 2.344 2.51800 75
61 .782 .845 .917 .997 1.083 1.206 1.338 1.478 1.619 1.769 1.901 2.048 2.202 2.369 2.552 2.82100 76
62 .824 .896 .976 1.062 1.186 1.319 1.460 1.603 1.757 1.893 2.046 2.205 2.380 2.572 2.851 3.15800 77
63 .871 .950 1.036 1.160 1.293 1.435 1.580 1.735 1.874 2.031 2.196 2.377 2.576 2.864 3.182 3.53600 78
64 .921 1.006 1.129 1.261 1.402 1.548 1.704 1.846 2.006 2.174 2.360 2.565 2.861 3.187 3.553 3.94700 79
65 .971 1.092 1.223 1.363 1.508 1.664 1.807 1.969 2.140 2.329 2.539 2.840 3.174 3.548 3.954 4.38400 80
66 1.095 1.226 1.366 1.511 1.668 1.811 1.973 2.145 2.334 2.543 2.845 3.179 3.554 3.960 4.391 4.94600 81
67 1.229 1.370 1.515 1.672 1.815 1.977 2.149 2.338 2.548 2.849 3.184 3.560 3.967 4.399 4.954 5.57100 82
68 1.373 1.519 1.676 1.819 1.981 2.153 2.343 2.553 2.855 3.190 3.565 3.973 4.406 4.962 5.580 6.25800 83
69 1.522 1.680 1.823 1.98_ 2.157 2.348 2.558 2.861 3.196 3.571 3.980 4.413 4.971 5.590 6.268 7.04800 84
70 1.684 1.828 1.991 2.163 2.352 2.563 2.866 3.202 3.578 3.986 4.421 4.979 5.599 6.279 7.060 7.93600 85
71 1.832 1.995 2.168 2.358 2.568 2.872 3.209 3.586 3.994 4.428 4.987 5.608 6.289 7.072 7.949 9.08800 86
72 2.000 2.173 2.364 2.575 2.877 3.215 3.593 4.002 4.437 4.995 5.617 6.300 7.083 7.962 9.103 10.38100 87
73 2.178 2.369 2.581 2.884 3.221 3.600 4.010 4.445 5.005 5.627 6.310 7.095 7.976 9.118 10.398 11.81200 88
74 2.375 2.587 2.892 3.229 3.607 4.018 4.454 5.015 5.638 6.321 7.107 7.989 9.133 10.41_ 11.832 13.19600 89
75 2.594 2.899 3.237 3.616 4.026 4.463 5.025 5.649 6.333 7.118 8.002 9.149 10.433 11.851 13.218 14.45000 90
14.97400 91
15.50300 92
16.37900 93
17.71400 94
Table # __
page 3 __
Base Policy
Male Smoker
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
21 .178 .178 .178 .178 .178 .178 .178 .18_ .191 .194 .195 .195 .195 .197 .202 .20200 36
22 .178 .178 .178 .178 .178 .178 .186 .191 .194 .195 .195 .195 .197 .202 .209 .20900 37
23 .178 .178 .178 .178 .178 .18_ .191 .194 .195 .195 .195 .197 .202 .209 .220 .22100 38
24 .178 .178 .178 .178 .186 .191 .194 .195 .195 .195 .197 .202 .209 .220 .234 .24200 39
25 .178 .178 .178 .18_ .191 .194 .195 .195 .195 .197 .202 .209 .220 .234 .249 .26700 40
26 .180 .180 .1_7 .192 .198 .198 .198 .198 .199 .204 .211 .222 .235 .250 .268 .28900 41
27 .184 .189 .193 .199 .201 .201 .201 .203 .207 .214 .225 .238 .252 .270 .290 .31100 42
28 .194 .197 .202 .206 .206 .206 .207 .211 .218 .228 .241 .255 .273 .292 .314 .33500 43
29 .202 .207 .211 .211 .211 .212 .216 .222 .233 .245 .260 .277 .296 .317 .339 .36100 44
30 .213 .215 .215 .215 .217 .221 .228 .238 .251 .265 .282 .301 .322 .343 .365 .39000 45
31 .222 .222 .222 .222 .227 .234 .244 .257 .271 .288 .307 .329 .350 .371 .396 .41400 46
32 .229 .229 .229 .233 .240 .251 .264 .278 .296 .315 .336 .357 .379 .404 .422 .44100 47
33 .238 .238 .242 .24_ .259 .272 .287 .304 .324 .346 .3_7 .389 .413 .431 .451 .47200 48
34 .249 .252 .258 .269 .281 .296 .314 .334 .356 .378 .400 .425 .443 .463 .484 .50800 49
35 .265 .270 .281 .293 .306 .325 .346 .368 .390 .413 .439 .457 .477 .498 .522 .54500 50
36 .274 .285 .299 .313 .331 .353 .378 .402 .427 .455 .476 .499 .524 .553 .581 .60300 51
37 .289 .303 .31_ .338 .360 .386 .412 .439 .469 .493 .519 .548 .581 .614 .641 .66000 52
38 .306 .323 .344 .367 .392 .420 .448 .481 .507 .536 .5_8 .605 .643 .675 .700 .72300 53
39 .326 .34_ .372 .399 .426 .457 .491 .519 .551 .586 .626 .669 .706 .735 .764 .79400 54
40 .350 .375 .404 .432 .463 .499 .529 .563 .600 .644 .690 .732 .7_6 .800 .836 .87900 55
41 .376 .406 .436 .468 .504 .536 .572 .612 .659 .709 .754 .792 .831 .873 .923 .98800 56
42 .___ .437 .470 .509 .541 .578 .621 .670 .723 .772 .814 .858 .905 .961 1.034 1.11000 57
43 .___ .470 .510 .544 .582 ._26 .678 .734 .786 .832 .880 .932 .993 1.074 1.158 1.24000 58
44 .467 .508 .543 .583 .628 ._82 .741 .795 .845 .897 .953 1.020 1.107 1.199 1.290 1.37800 59
45 .504 .540 .5_1 .628 .683 .743 .801 .853 .908 .969 1.040 1.133 1.232 1.331 1.429 1.52100 60
46 .535 .577 .625 .682 .743 .803 .857 .915 .979 1.055 1.153 1.258 1.364 1.470 1.572 1.64100 61
47 .570 .619 .677 .740 .801 .857 .917 .984 1.0_3 1.16_ 1.277 1.389 1.502 1.612 1.690 1.77300 62
48 .609 .668 .732 .794 .853 .915 .984 1.06_ 1.172 1.288 1.405 1.525 1.643 1.729 1.820 1.92500 63
49 .655 .720 .783 .843 .908 .979 1.063 1.172 1.291 1.414 1.539 1._63 1.756 1.856 1.970 2.09300 64
50 .703 .767 .828 .895 .969 1.055 1.166 1.288 1.414 1.543 1.673 1.772 1.879 2.002 2.135 2.27300 65
51 .747 .808 .875 .950 1.039 1.152 1.276 1.405 1.538 1.673 1.778 1.891 2.021 2.163 2.311 2.49400 66
52 .783 .850 .925 1.015 1.130 1.256 1.387 1.524 1.6_2 1.772 1.891 2.028 2.177 2.334 2.527 2.72500 67
53 .820 .895 .984 1.100 1.228 1.360 1.499 1.640 1.755 1.879 2.021 2.177 2.341 2.544 2.752 2.96700 68
54 .859 .948 1.062 1.189 1.324 1.464 1.607 1.725 1.854 2.002 2.1_3 2.334 2.544 2.761 2.987 3.20700 69
55 .905 1.018 1.143 1.277 1.419 1.564 1.684 1.816 1.9_7 2.135 2.311 2.527 2.752 2.987 3.218 3.4_100 70
56 .986 1.110 1.242 1.384 1.530 1.651 1.784 1.937 2.106 2.287 2.506 2.736 2.976 3.213 3.464 3.76600 71
57 1.072 1.203 1.342 1.488 1.611 1.745 1.898 2.068 2.250 2.474 2.707 2.951 3.194 3.452 3.761 4.11300 72
58 1.158 1.295 1.439 1.562 1.699 1.852 2.022 2.205 2.429 2.665 2.913 3.160 3.423 3.738 4.098 4.48100 73
59 1.243 1.384 1.506 1._42 1.798 1.967 2.150 2.374 2.611 2.860 3.111 3.378 3.698 4.064 4.454 4.88700 74
60 1.323 1.444 1.578 1.733 1.905 2.087 2.309 2.545 2.795 3.047 3.317 3.640 4.010 4.40_ 4.846 5.33700 75
61 1.372 1.504 1.656 1.825 2.009 2.231 2.466 2.715 2.968 3.240 3.5_5 3.938 4.338 4.783 5.280 5.76700 76
62 1.422 1.571 1.737 1.918 2.140 2.373 2.622 2.875 3.147 3.472 3.846 4.248 4.696 5.198 5.692 6.23000 77
63 1.478 1._41 1.818 2.035 2.267 2.514 2.766 3.037 3.362 3.735 4.137 4.587 5.092 5.590 6.134 6.73100 78
64 1.536 1.709 1.920 2.147 2.391 2.641 2.911 3.234 3.605 4.006 4.455 4.960 5.461 6.010 6.612 7.25600 79
65 1.591 1.79_ 2.017 2.255 2.501 2.769 3.088 3.455 3.854 4.301 4.803 5.306 5.856 6.462 7.111 7.78500 80
66 1.746 1.962 2.196 2.437 2.700 3.013 3.373 3.764 4.203 4.697 5.190 5.732 6.327 6.966 7.629 8.51500 81
67 1.908 2.136 2.373 2.630 2.937 3.290 3.674 4.105 4.590 5.075 5.607 6.193 6.821 7.474 8.331 9.31500 82
68 2.077 2.309 2.5_1 2.8_2 3.208 3.585 4.007 4.483 4.960 5.482 6.058 6.676 7.318 8.14_ 9.113 10.17700 83
69 2.245 2.492 2.787 3.12_ 3.495 3.910 4.376 4.844 5.358 5.923 6.530 7.162 7.962 8.911 9.957 11.16400 84
70 2.423 2.712 3.044 3.40_ 3.812 4.270 4.729 5.233 5.789 6.385 7.007 7.777 8.710 9.736 10.922 12.25800 85
71 2.636 2.961 3.316 3.714 4.163 4.614 5.109 5.654 6.240 6.851 7.593 8.508 9.516 10.680 11.992 13.46900 86
72 2.879 3.226 3.616 4._5_ 4.498 4.984 5.519 6.095 6.695 7.408 8.306 9.295 10.438 11.727 13.177 14.80000 87
73 3.137 3.519 3.949 4.383 4.859 5.385 5.950 6.539 7.233 8.104 9.075 10.196 11.461 12.885 14.479 16.23700 88
74 3.421 3.843 4.268 4.735 5.250 5.805 6.384 7.064 7.862 8.854 9.955 11.196 12.594 14.159 15.885 17.52500 89
75 3.736 4.152 4.610 5.116 5.660 6.228 6.896 7.634 8.589 9.713 10.930 12.302 13.838 15.533 17.145 18.57600 90
19.24900 91
19.92900 92
21.05500 93
22.77100 94
Table # __
page 6 __
Base Policy
Female Smoker
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
21 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .16000 36
22 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .16000 37
23 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .16000 38
24 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .16000 39
25 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .16100 40
26 .164 .164 .1__ .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .168 .171 .17300 41
27 .170 .170 .170 .170 .170 .170 .170 .170 .170 .170 .172 .174 .179 .183 .185 .18700 42
28 .177 .177 .178 .178 .178 .178 .178 .178 .179 .182 .185 .190 .195 .198 .200 .20000 43
29 .182 .186 .1_7 .187 .187 .187 .187 .188 .192 .197 .203 .208 .212 .215 .216 .21600 44
30 .192 .193 .193 .193 .194 .19_ .198 .203 .207 .215 .221 .226 .231 .233 .234 .23400 45
31 .200 .200 .200 .200 .205 .208 .213 .219 .228 .236 .242 .248 .252 .256 .257 .26000 46
32 .208 .20_ .208 .212 .218 .224 .230 .240 .249 .258 .266 .272 .277 .281 .287 .29100 47
33 .217 .217 .221 .22_ .235 .242 .253 .263 .273 .283 .291 .298 .304 .313 .320 .32700 48
34 .229 .232 .237 .245 .254 .266 .277 .288 .300 .310 .319 .327 .339 .350 .360 .37100 49
35 .245 .250 .258 .266 .279 .292 .304 .317 .328 .339 .350 .364 .378 .392 .408 .42000 50
36 .252 .261 .271 .285 .299 .312 .327 .340 .353 .366 .384 .402 .420 .441 .460 .46000 51
37 .263 .274 .2_9 .304 .319 .335 .350 .365 .380 .400 .422 .445 .471 .496 .498 .49800 52
38 .276 .292 .308 .324 .341 .358 .375 .392 .415 .439 .466 .497 .527 .534 .534 .53200 53
39 .293 .310 .327 .346 .364 .382 .401 .427 .454 .484 .519 .554 .567 .571 .573 .57300 54
40 .311 .329 .348 .368 .388 .409 .436 .46_ .499 .538 .578 .594 .603 .611 .616 .62400 55
41 .329 .349 .369 .391 .413 .443 .475 .511 .553 .596 .617 .630 .643 .653 .668 .67100 56
42 ._48 .369 .392 .415 .447 .481 .519 .564 .611 .635 .652 .669 .685 .705 .715 .71900 57
43 .367 .391 .415 .448 .484 .524 .572 .622 .649 .669 .690 .711 .736 .752 .762 .76600 58
44 .387 .413 .446 .483 .525 .575 .628 .658 .682 .706 .731 .761 .782 .798 .808 .81000 59
45 .408 .442 .480 .523 .575 .630 .663 .689 .717 .745 .780 .805 .827 .843 .851 .85100 60
46 .444 .483 .527 .581 .638 .672 .700 .731 .762 .800 .829 .854 .874 .886 .891 .92700 61
47 .484 .529 .584 .643 .679 .709 .742 .775 .816 .848 .877 .901 .917 .926 .968 1.01300 62
48 .529 .585 .645 .683 .715 .750 .785 .829 .864 .896 .923 .943 .956 1.003 1.055 1.11100 63
49 .584 .645 .685 .718 .755 .793 .839 .876 .911 .941 .964 .980 1.033 1.090 1.153 1.22200 64
50 .643 .68_ .718 .757 .796 .845 .884 .922 .954 .980 1.000 1.057 1.119 1.189 1.265 1.34200 65
51 .678 .714 .754 .795 .846 .888 .928 .963 .992 1.014 1.075 1.143 1.218 1.300 1.385 1.44300 66
52 .708 .748 .791 .843 .887 .929 .967 .999 1.024 1.088 1.160 1.240 1.328 1.420 1.485 1.54400 67
53 .739 .783 .836 .882 .926 .966 1.001 1.029 1.096 1.171 1.255 1.349 1.447 1.518 1.584 1.64600 68
54 .771 .826 .872 .918 .9_1 .997 1.028 1.093 1.176 1.264 1.363 1.465 1.543 1.615 1.684 1.74100 69
55 .811 .859 .906 .950 .988 1.021 1.094 1.175 1.267 1.369 1.476 1.558 1.637 1.712 1.776 1.83800 70
56 .852 .900 .945 .985 1.020 1.094 1.177 1.271 1.376 1.487 1.573 1.655 1.735 1.804 1.871 2.00000 71
57 .892 .938 .978 1.014 1.090 1.175 1.271 1.37_ 1.492 1.582 1.668 1.751 1.825 1.897 2.032 2.18300 72
58 .927 .969 1.006 1.083 1.1_9 1.267 1.376 1.492 1.584 1.674 1.761 1.839 1.915 2.056 2.214 2.37800 73
59 .956 .994 1.072 1.154 1.258 1.369 1.487 1.582 1.674 1.765 1.845 1.926 2.072 2.235 2.407 2.59300 74
60 .979 1.057 1.145 1.244 1.356 1.476 1.573 1.668 1.761 1.845 1.930 2.080 2.249 2.426 2.619 2.83100 75
61 1.038 1.12_ 1.227 1.339 1.460 1.558 1.655 1.751 1.839 1.926 2.080 2.253 2.435 2.634 2.854 3.09500 76
62 1.104 1.204 1.317 1.439 1.538 1.637 1.735 1.825 1.915 2.072 2.249 2.435 2.640 2.865 3.114 3.38300 77
63 1.178 1.290 1.412 1.512 1.612 1.712 1.804 1.897 2.056 2.235 2.426 2.634 2.865 3.120 3.397 3.70000 78
64 1.259 1.380 1.481 1.581 1.682 1.776 1.871 2.032 2.214 2.407 2.619 2.854 3.114 3.397 3.707 4.03700 79
65 1.342 1.443 1.544 1.646 1.741 1.838 2.000 2.183 2.378 2.593 2.831 3.095 3.383 3.700 4.037 4.38400 80
66 1.443 1.544 1.646 1.741 1.838 2.000 2.183 2.378 2.593 2.831 3.095 3.383 3.700 4.037 4.391 4.94600 81
67 1.544 1.646 1.741 1.838 2.000 2.183 2.378 2.593 2.831 3.095 3.383 3.700 4.037 4.399 4.954 5.57100 82
68 1.646 1.741 1.838 2.000 2.183 2.378 2.593 2.831 3.095 3.383 3.700 4.037 4.406 4.962 5.580 6.25800 83
69 1.741 1.838 2.000 2.183 2.378 2.593 2.831 3.095 3.383 3.700 4.037 4.413 4.971 5.590 6.268 7.04800 84
70 1.838 2.000 2.183 2.378 2.593 2.831 3.095 3.383 3.700 4.037 4.421 4.979 5.599 6.279 7.060 7.93600 85
71 2.000 2.183 2.378 2.593 2.831 3.095 3.383 3.700 4.037 4.428 4.987 5.608 6.289 7.072 7.949 9.08800 86
72 2.183 2.378 2.593 2.831 3.095 3.383 3.700 4.037 4.437 4.995 5.617 6.300 7.083 7.962 9.103 10.38100 87
73 2.378 2.593 2.831 3.095 3.383 3.700 4.037 4.445 5.005 5.627 6.310 7.095 7.976 9.118 10.398 11.81200 88
74 2.593 2.831 3.095 3.383 3.700 4.037 4.454 5.015 5.638 6.321 7.107 7.989 9.133 10.416 11.832 13.19600 89
75 2.831 3.095 3.383 3.700 4.037 4.463 5.025 5.649 6.333 7.118 8.002 9.149 10.433 11.851 13.218 14.45000 90
14.97400 91
15.50300 92
16.37900 93
17.71400 94
Table #16
page 1 of 6
Base Policy
Male Preferred Non-Smoker
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
21 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .14000 36
22 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .14000 37
23 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .14000 38
24 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .14000 39
25 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .14000 40
26 .140 .140 .140 .140 .142 .142 .142 .142 .143 .143 .143 .143 .144 .147 .147 .14800 41
27 .140 .140 .142 .146 .147 .147 .147 .147 .147 .149 .149 .151 .154 .156 .156 .15600 42
28 .144 .144 .148 .151 .151 .151 .151 .151 .151 .154 .157 .160 .162 .164 .164 .16400 43
29 .149 .151 .154 .154 .154 .154 .154 .155 .157 .163 .167 .170 .173 .173 .173 .17300 44
30 .157 .158 .158 .158 .158 .158 .159 .162 .168 .174 .177 .182 .183 .183 .183 .18300 45
31 .165 .165 .165 .165 .165 .165 .167 .173 .179 .184 .189 .191 .191 .191 .191 .19100 46
32 .170 .170 .170 .170 .171 .173 .179 .185 .190 .198 .201 .202 .205 .205 .205 .20500 47
33 .175 .175 .175 .177 .180 .186 .193 .198 .205 .210 .211 .215 .215 .215 .215 .21500 48
34 . 184 .184 .185 .188 .194 .201 .206 .214 .219 .221 .226 .227 .227 .227 .227 .22700 49
35 .192 .195 .197 .204 .211 .216 .224 .229 .232 .237 .240 .240 .240 .240 .240 .24000 50
36 .199 .202 .209 .217 .223 .232 .239 .243 .250 .255 .257 .260 .262 .262 .262 .26200 51
37 .205 .213 .222 .229 .239 .247 .253 .262 .268 .273 .278 .283 .288 .292 .294 .29400 52
38 .216 .226 .234 .245 .254 .261 .272 .280 .287 .294 .302 .310 .318 .326 .330 .33000 53
39 .229 .238 .250 .260 .268 .281 .290 .299 .308 .319 .330 .341 .354 .363 .369 .37100 54
40 .241 .254 .265 .274 .288 .299 .309 .320 .333 .347 .362 .379 .392 .404 .412 .42000 55
41 .257 .269 .279 .293 .306 .317 .330 .346 .362 .380 .401 .419 .435 .450 .465 .47800 56
42 .2_1 .282 .298 .311 .224 .339 .356 .375 .395 .420 .441 .462 .483 .504 .526 .54200 57
43 .284 .301 .315 .330 .345 .364 .386 .408 .436 .461 .486 .511 .539 .569 .593 .61200 58
44 .302 .318 .333 .350 .371 .394 .418 .449 .477 .506 .536 .570 .606 .638 .666 .68700 59
45 .319 .335 .353 .375 .399 .426 .459' .490 .523 .557 .595 .637 .678 .714 .744 .76700 60
46 .330 .350 .373 .399 .427 .462 .496 .531 .569 .612 .660 .707 .752 .791 .825 .85400 61
47 .343 .367 .394 .424 .461 .497 .535 .576 .622 .675 .728 .780 .829 .872 .913 .95300 62
48 .358 .386 .417 .45_ .494 .534 .577 .627 .684 .741 .800 .856 .908 .959 1.011 1.06700 63
49 .374 .405 .445 .485 .528 .573 .626 .686 .748 .810 .872 .933 .992 1.056 1.125 1.19800 64
50 .390 .430 .470 .515 .564 .618 .681 .746 .813 .879 .946 1.013 1.086 1.167 1.254 1.34200 65
51 .410 .451 .495 .545 .604 .668 .736 .806 .877 .948 1.022 1.103 1.193 1.292 1.395 1.53000 66
52 .426 .470 .520 .579 .648 .717 .790 .864 .939 1.018 1.105 1.204 1.313 1.428 1.579 1.73500 67
53 .440 .489 .547 .616 .691 .764 .841 .919 1.002 1.094 1.199 1.316 1.441 1.605 1.778 1.95900 68
54 .451 .508 .576 .649 .730 .807 .887 .973 1.069 1.178 1.302 1.435 1.610 1.795 1.993 2.19300 69
55 .462 .527 .599 .678 .763 .844 .931 1.029 1.142 1.270 1.409 1.591 1.787 1.998 2.214 2.44600 70
56 .507 .577 .654 .738 .827 .914 1.014 1.127 1.257 1.398 1.584 1.784 2.000 2.223 2.463 2.66200 71
57 .553 .628 .710 .797 .893 .993 1.107 1.237 1.380 1.567 1.770 1.990 2.218 2.466 2.673 2.90700 72
58 .600 .679 .765 .859 .966 1.080 1.211 1.354 1.542 1.745 1.969 2.201 2.453 2.667 2.910 3.16600 73
59 .646 .729 .821 .926 1.048 1.178 1.321 1.508 1.712 1.936 2.170 2.426 2.646 2.895 3.160 3.45300 74
60 .690 .779 .882 1.000 1.138 1.280 1.466 1.669 1.892 2.126 2.385 2.609 2.863 3.134 3.436 3.77100 75
61 .734 .833 .948 1.081 1.229 1.413 1.614 1.837 2.071 2.329 2.556 2.814 3.090 3.398 3.741 4.19100 76
62 .781 .891 1.020 1.163 1.349 1.548 1.769 2.002 2.259 2.486 2.747 3.027 3.339 3.688 4.145 4.65700 77
63 .832 .955 1.092 1.271 1.471 1.688 1.918 2.174 2.402 2.663 2.944 3.260 3.613 4.074 4.592 5.17400 78
64 .887 1.018 1.189 1.380 1.595 1.821 2.073 2.301 2.562 2.843 3.160 3.515 3.977 4.499 5.086 5.73600 79
65 .939 1.102 1.284 1.489 1.710 1.957 2.183 2.442 2.723 3.039 3.394 3.856 4.378 4.967 5.621 6.32700 80
66 1.071 1.249 1.450 1.666 1.908 2.130 2.384 2.659 2.970 3.318 3.772 4.284 4.864 5.507 6.200 6.94000 81
67 1.215 1.410 1.622 1.859 2.076 2.326 2.596 2.901 3.243 3.688 4.191 4.760 5.392 6.074 6.801 7.61300 82
68 1.371 1.578 1.810 2.023 2.267 2.533 2.831 3.168 3.604 4.098 4.657 5.277 5.947 6.662 7.461 8.34000 83
69 1.534 1.761 1.970 2.209 2.4_9 2.762 3.092 3.520 4.005 4.553 5.162 5.821 6.524 7.308 8.173 9.17200 84
70 1.712 1.917 2.151 2.406 2.693 3.017 3.437 3.912 4.450 5.048 5.694 6.385 7.156 8.006 8.989 10.09700 85
71 1.863 2.093 2.343 2.624 2.941 3.353 3.819 4.346 4.933 5.568 6.246 7.004 7.840 8.805 9.895 10.96500 86
72 2.035 2.280 2.555 2.866 3.2_9 3.726 4.243 4.818 5.441 6.107 6.852 7.673 8.622 9.693 10.746 11.91100 87
73 2.216 2.486 2.791 3.185 3.632 4.139 4.704 5.315 5.968 6.699 7.506 8.438 9.491 10.526 11.673 12.91800 88
74 2.417 2.715 3.101 3.539 4.036 4.589 5.188 5.830 6.547 7.339 8.255 9.289 10.307 11.435 12.660 13.78700 89
75 2.640 3.018 3.446 3.932 4.474 5.062 5.691 6.395 7.172 8.071 9.087 10.088 11.196 12.401 13.511 14.45000 90
14.97400 91
15.50300 92
16.37900 93
17.71400 94
Table #__
page 4 of __
Base Policy
Female Preferred Non-Smoker
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
21 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .12200 36
22 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .12200 37
23 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .12200 38
24 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .12200 39
25 .122 .122 .122 .123 .123 .123 .123 .123 .123 .123 .123 .123 .123 .123 .127 .12900 40
26 .124 .124 .124 .124 .124 .124 .124 .124 .124 .124 .124 .124 .127 .130 .133 .13600 41
27 .126 .128 .128 .128 .128 .128 .128 .128 .128 .128 .128 .131 .134 .137 .140 .14300 42
28 .132 .132 .132 .132 .132 .132 .132 .132 .132 .132 .135 .139 .142 .145 .147 .15000 43
29 .137 .137 .138 .138 .138 .138 .138 .138 .138 .140 .144 .147 .151 .153 .155 .15800 44
30 .142 .142 .142 .142 .143 .143 .143 .143 .146 .150 .153 .157 .159 .162 .164 .16700 45
31 .146 .146 .146 .146 .146 .146 .149 .152 .156 .159 .164 .166 .169 .172 .174 .17500 46
32 .152 .152 .152 .152 .152 .155 .158 .163 .167 .171 .174 .177 .180 .183 .184 .18400 47
33 .158 .158 .158 .158 .161 .165 .170 .174 .179 .182 .185 .189 .192 .194 .194 .19500 48
34 .165 .165 .165 .169 .172 .178 .182 .187 .191 .195 .199 .202 .205 .205 .206 .20700 49
35 .175 .175 .178 .181 .186 .190 .196 .200 .204 .209 .213 .217 .217 .219 .220 .22000 50
36 .178 .183 .187 .19_ .196 .203 .207 .212 .218 .223 .227 .229 .232 .234 .235 .23500 51
37 .188 .192 .199 .203 .209 .214 .220 .226 .233 .238 .241 .245 .249 .249 .249 .24900 52
38 .197 .204 .209 .216 .221 .227 .235 .242 .249 .253 .258 .263 .265 .265 .265 .26500 53
39 .209 .215 .222 .228 .234 .242 .251 .259 .264 .272 .278 .278 .278 .278 .278 .27800 54
40 .220 .228 .234 .242 .2__ .259 .268 .274 .284 .293 .293 .293 .293 .293 .293 .29300 55
41 .233 .240 .248 .258 .267 .277 .284 .295 .306 .317 .317 .317 .318 .318 .318 .31800 56
42 ._45 .254 .264 .275 .286 .294 .306 .319 .331 .339 .339 .339 .341 .341 .341 .34100 57
43 .259 .270 .282 .294 .303 .316 .330 .344 .354 .359 .362 .366 .370 .370 .370 .37000 58
44 .274 .287 .300 .311 .326 .342 .357 .369 .375 .379 .386 .394 .402 .404 .404 .40400 59
45 .291 .306 .317 .334 .353 .370 .382 .391 .396 .402 .414 .426 .436 .440 .440 .44000 60
46 .307 .320 .338 .358 .379 .394 .405 .414 .423 .434 .450 .464 .474 .476 .476 .48800 61
47 .321 .341 .362 .384 .403 .417 .428 .440 .455 .470 .489 .503 .512 .515 .536 .55200 62
48 .341 .363 .387 .408 .425 .438 .454 .472 .491 .509 .527 .542 .550 .578 .603 .62800 63
49 .362 .387 .409 .428 .446 .464 .485 .508 .530 .547 .566 .579 .614 .647 .682 .71400 64
50 .385 .408 .428 .448 .469 .493 .520 .546 .568 .586 .603 .644 .684 .728 .771 .81000 65
51 .404 .425 .446 .469 .497 .526 .556 .582 .605 .622 .669 .715 .767 .820 .870 .88800 66
52 .420 .441 .466 .495 .528 .560 .590 .617 .639 .687 .740 .799 .860 .920 .948 .97000 67
53 .434 .459 .490 .524 .560 .592 .623 .649 .702 .757 .823 .891 .961 .998 1.030 1.05500 68
54 .449 .480 .516 .553 .588 .622 .651 .709 .770 .839 .914 .991 1.037 1.079 1.114 1.14000 69
55 .467 .503 .541 .578 .614 .647 .708 .773 .848 .928 1.013 1.066 1.116 1.161 1.197 1.22900 70
56 .495 .534 .571 .609 .643 .706 .774 .853 .937 1.027 1.086 1.143 1.196 1.242 1.284 1.38100 71
57 .523 .561 .600 .635 .700 .770 .851 .939 1.033 1.098 1.161 1.221 1.275 1.326 1.435 1.55600 72
58 .547 .586 .623 .689 .760 .843 .933 1.031 1.100 1.168 1.234 1.295 1.354 1.475 1.609 1.74700 73
59 .569 .607 .672 .744 .828 .920 1.020 1.093 1.165 1.236 1.303 1.370 1.500 1.645 1.797 1.96200 74
60 .586 .651 .723 .807 .900 1.001 1.076 1.152 1.228 1.300 1.372 1.510 1.665 1.829 2.008 2.20500 75
61 .625 .696 .779 .871 .972 1.049 1.128 1.208 1.284 1.362 1.505 1.668 1.841 2.033 2.245 2.41000 76
62 .662 .744 .835 .936 1.012 1.093 1.176 1.256 1.338 1.486 1.655 1.836 2.037 2.261 2.441 2.63400 77
63 .703 .793 .891 .968 1.048 1.132 1.215 1.301 1.452 1.624 1.811 2.020 2.254 2.445 2.653 2.88000 78
64 .743 .838 .915 .994 1.076 1.161 1.250 1.402 1.577 1.768 1.982 2.223 2.424 2.645 2.886 3.14200 79
65 .778 .852 .931 1.013 1.094 1.185 1.337 1.512 1.705 1.923 2.168 2.378 2.608 2.861 3.132 3.41300 80
66 .852 .931 1.013 1.094 1.180 1.331 1.506 1.698 1.915 2.161 2.370 2.599 2.851 3.121 3.402 3.89600 81
67 .931 1.013 1.094 1.180 1.326 1.500 1.691 1.907 2.152 2.362 2.590 2.842 3.111 3.390 3.883 4.43700 82
68 1.013 1.094 1.180 1.32_ 1.494 1.684 1.899 2.143 2.352 2.581 2.832 3.100 3.379 3.870 4.422 5.03300 83
69 1.094 1.180 1.326 1.494 1.677 1.891 2.134 2.343 2.571 2.822 3.090 3.368 3.857 4.407 5.016 5.72100 84
70 1.180 1.326 1.494 1.677 1.884 2.126 2.333 2.560 2.811 3.079 3.356 3.844 4.393 4.999 5.702 6.49500 85
71 1.326 1.494 1.677 1.884 2.117 2.323 2.550 2.799 3.067 3.345 3.831 4.378 4.983 5.683 6.473 7.36600 86
72 1.494 1.677 1.884 2.117 2.314 2.539 2.788 3.054 3.331 3.818 4.363 4.966 5.664 6.452 7.341 8.34100 87
73 1.677 1.884 2.117 2.314 2.529 2.776 3.041 3.317 3.803 4.348 4.949 5.645 6.430 7.317 8.313 9.41500 88
74 1.884 2.117 2.314 2.529 2.7_5 3.029 3.304 3.787 4.331 4.932 5.626 6.408 7.292 8.285 9.384 10.44100 89
75 2.117 2.314 2.529 2.765 3.016 3.290 3.771 4.313 4.912 5.607 6.387 7.268 8.258 9.352 10.406 11.35700 90
11.76800 91
12.18400 92
12.87200 93
13.92000 94
LIFE INSURANCE COMPANY OF VIRGINIA
PENSION UNIVERSAL LIFE
INITIAL SPECIFIED AMOUNT $5,000-$49,999
Monthly Cost of Insurance Per $1000
NONSMOKER SPECIAL
---------------------------- ----------------------------
21 .15265 61 1.33089 21 .21371 61 2.05056
22 .15516 62 1.44280 22 .21722 62 2.19158
23 .15766 63 1.57275 23 .22072 63 2.35244
24 .15933 64 1.71607 24 .22306 64 2.52941
25 .16000 65 1.87089 25 .22540 65 2.71344
26 .16000 66 2.07779 26 .22891 66 2.93920
27 .16000 67 2.29727 27 .23000 67 3.16806
28 .16107 68 2.53288 28 .23000 68 3.40161
29 .16682 69 2.77266 29 .23000 69 3.62173
30 .17450 70 3.02879 30 .23532 70 3.84730
31 .17601 71 3.32144 31 .24437 71 4.16036
32 .17769 72 3.65539 32 .24826 72 4.51403
33 .17813 73 4.01449 33 .25473 73 4.88561
34 .18201 74 4.41496 34 .26508 74 5.29397
35 .18911 75 4.86278 35 .27804 75 5.74547
36 .19274 76 5.36500 36 .28718 76 6.24257
37 .20014 77 5.91998 37 .29951 77 6.78208
38 .21061 78 6.53699 38 .31443 78 7.37333
39 .22058 79 7.20560 39 .33351 79 7.99654
40 .23258 80 7.90772 40 .35273 80 8.63216
41 .25738 81 8.63210 41 .39350 81 9.36712
42 .28357 82 9.43013 42 .43701 82 10.16710
43 .31388 83 10.29449 43 .48653 83 11.02169
44 .34698 84 11.29480 44 .54220 84 12.00163
45 .38283 85 12.41568 45 .60990 85 13.08494
46 .41514 86 13.62742 46 .66226 86 14.38130
47 .45134 87 14.97244 47 .72801 87 15.81588
48 .49241 88 16.43677 48 .80446 88 17.37420
49 .54185 89 17.73716 49 .89033 89 18.75196
50 .59529 90 18.76502 50 .97507 90 19.83342
51 .63741 91 19.60463 51 1.05804 91 20.50105
52 .67528 92 20.46634 52 1.11289 92 21.17112
53 .71458 93 21.87566 53 1.16853 93 22.38184
54 .75686 94 24.04610 54 1.22727 94 24.32807
55 .80755 55 1.29670
56 .88561 56 1.41557
57 .97002 57 1.54201
58 1.05602 58 1.66914
59 1.14313 59 1.79687
60 1.22896 60 1.92105
4/18/84
LIFE INSURANCE COMPANY OF VIRGINIA
PENSION UNIVERSAL LIFE
INITIAL SPECIFIED AMOUNT $50,000-$99,999
Monthly Cost of Insurance Per $1000
NONSMOKER SPECIAL
---------------------------- ----------------------------
21 .15000 61 1.14605 21 .20000 61 1.72335
22 .15000 62 1.23863 22 .20000 62 1.83810
23 .15000 63 1.34591 23 .20000 63 1.96889
24 .15000 64 1.46371 24 .20000 64 2.11247
25 .15000 65 1.59026 25 .20000 65 2.26120
26 .15000 66 1.74534 26 .20000 66 2.44934
27 .15000 67 1.90673 27 .20000 67 2.64005
28 .15000 68 2.07696 28 .20000 68 2.83468
29 .15000 69 2.24585 29 .20000 69 3.01811
30 .15000 70 2.42303 30 .20496 70 3.20609
31 .15050 71 2.65715 31 .21599 71 3.46697
32 .15208 72 2.92431 32 .22264 72 3.76169
33 .15525 73 3.21159 33 .23172 73 4.07134
34 .16159 74 3.53197 34 .24456 74 4.41164
35 .17110 75 3.89022 35 .26010 75 4.78790
36 .17356 76 4.29200 36 .26598 76 5.20214
37 .17929 77 4.73598 37 .27438 77 5.65174
38 .18760 78 5.22959 38 .28459 78 6.14444
39 .19523 79 5.76448 39 .29787 79 6.66379
40 .20439 80 6.32618 40 .31040 80 7.19347
41 .22931 81 6.90568 41 .35602 81 7.72015
42 .25607 82 7.54410 42 .40604 82 8.28840
43 .28725 83 8.23559 43 .46372 83 8.88846
44 .32174 84 9.03584 44 .52959 84 9.57577
45 .36195 85 9.93254 45 .60524 85 10.33022
46 .38952 86 10.90194 46 .64686 86 11.38520
47 .42295 87 11.97795 47 .69389 87 12.55487
48 .46085 88 13.14942 48 .74745 88 13.82845
49 .50643 89 14.18973 49 .80932 89 14.96368
50 .55560 90 15.01202 50 .87442 90 15.86674
51 .59345 91 15.68370 51 .94342 91 16.40084
52 .62704 92 16.37307 52 1.00644 92 16.93690
53 .66165 93 17.50053 53 1.07292 93 17.90547
54 .69864 94 19.23688 54 1.14545 94 19.46246
55 .74295 55 1.23187
56 .80576 56 1.31548
57 .87220 57 1.40040
58 .93767 58 1.47985
59 1.00150 59 1.55354
60 1.06138 60 1.61773
LIFE INSURANCE COMPANY OF VIRGINIA
PENSION UNIVERSAL LIFE
INITIAL SPECIFIED AMOUNT $100,000+
Monthly Cost of Insurance Per $1000
NONSMOKER SPECIAL
---------------------------- ----------------------------
21 .12100 61 .96120 21 .17000 61 1.41794
22 .12100 62 1.03446 22 .17000 62 1.53175
23 .12100 63 1.11907 23 .17000 63 1.66205
24 .12100 64 1.21134 24 .17000 64 1.80672
25 .12100 65 1.30962 25 .17000 65 1.95970
26 .12100 66 1.45445 26 .17000 66 2.09010
27 .12100 67 1.60809 27 .17000 67 2.21764
28 .12100 68 1.77302 28 .17096 68 2.34333
29 .12403 69 1.94086 29 .17562 69 2.45473
30 .12898 70 2.12015 30 .18218 70 2.56487
31 .13466 71 2.32501 31 .19235 71 2.77357
32 .13607 72 2.55877 32 .19861 72 3.00935
33 .13891 73 2.81014 33 .20707 73 3.25707
34 .14458 74 3.09047 34 .21891 74 3.52931
35 .15309 75 3.40395 35 .23319 75 3.83032
36 .15630 76 3.75550 36 .24093 76 4.16171
37 .16261 77 4.14399 37 .25134 77 4.52139
38 .17148 78 4.57589 38 .26394 78 4.91555
39 .18001 79 5.04392 39 .28005 79 5.33103
40 .19030 80 5.53540 40 .29629 80 5.75477
41 .21683 81 6.04247 41 .34041 81 6.27906
42 .24576 82 6.60109 42 .38883 82 6.85174
43 .27964 83 7.20614 43 .44472 83 7.46631
44 .31754 84 7.90636 44 .50858 84 8.17132
45 .35963 85 8.69098 45 .58196 85 8.95285
46 .38183 86 9.53919 46 .61606 86 9.88714
47 .40592 87 10.48071 47 .65407 87 10.92437
48 .43244 88 11.50574 48 .69677 88 12.05557
49 .46394 89 12.41601 49 .74543 89 13.06955
50 .49608 90 13.13551 50 .79493 90 13.88339
51 .53630 91 13.72324 51 .85525 91 14.35074
52 .57398 92 14.32644 52 .90967 92 14.81978
53 .61401 93 15.31296 53 .96669 93 15.66729
54 .65789 94 16.83227 54 1.02857 94 17.02965
55 .71064 55 1.10220
56 .75495 56 1.15819
57 .79884 57 1.21158
58 .83753 58 1.25615
59 .86999 59 1.29150
60 .89379 60 1.31440
North American Reassurance Company
10 YEAR SELECT
NON-REFUND
REINSURANCE
RATES
DIFFERENTIATED BY SMOKING HABIT
AGE NEAREST BIRTHDAY
TEN YEAR SELECT NON REFUND YRT REINSURANCE PROGRAM
USE OF THE RATE SCHEDULE
SMOKER/NON-SMOKER DIFFERENTIATION
This schedule contains YRT rates which are differentiated by smoking habit
for issue ages 20-69. These rates are to be used only where the Ceding
Company's gross premiums are differentiated by smoking habit. For
reinsurance generated from plans of insurance where the Ceding Company does
not differentiate its premiums by smoking habit, North American Re's
undifferentiated YRT reinsurance premium schedule should be used.
FEMALE RATES
Ages 0 to 10 Use Rates for Males Same Age
Ages 11 to 14 Use Rates for Males Age 10
Ages 15 to 19 Use Rates for Males 4 Years Younger
Ages 24 & Older
Ages 20 to 23 Use Rates for Males Age 20
SUBSTANDARD RISKS
Multiple table substandard premiums are equal to the sum of the standard
premium (smoker, non-smoker, or undifferentiated) and the appropriate
multiple of the additional premiums for 25% excess mortality shown in the
Substandard table. For example: if a risk is rated Class D, 200%, the
premium per thousand for each age and duration is the standard premium plus
four times the additional substandard premium.
Reinsurance premiums for risks which have been rated on a multiple table
basis shall revert to the standard premium on the later of the twentieth
policy anniversary and attained age 65.
POLICY FEE
There is no policy fee for business ceded on a bordereau basis. The policy
fee for business ceded on an individual cession basis is $10.00 all years.
RECAPTURE
Reinsurance ceded under this program will not be eligible for recapture
before the end of the tenth policy anniversary.
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE NEAREST BIRTHDAY
POLICY YEAR
ISSUE -------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- --------
0 5.91 1.59 1.12 0.94 0.82 0.77 0.71 0.69 0.65 0.62 0.81 10
1 1.59 1.12 0.94 0.82 0.77 0.71 0.69 0.65 0.62 0.61 0.81 11
2 1.12 0.94 0.82 0.77 0.71 0.69 0.65 0.62 0.61 0.61 0.83 12
3 0.93 0.82 0.77 0.71 0.69 0.65 0.62 0.61 0.61 0.63 0.91 13
4 0.82 0.77 0.71 0.69 0.65 0.62 0.61 0.61 0.63 0.71 1.01 14
5 0.77 0.71 0.69 0.65 0.62 0.61 0.61 0.63 0.71 0.81 1.16 15
6 0.71 0.69 0.65 0.62 0.61 0.61 0.63 0.71 0.81 0.96 1.29 16
7 0.68 0.65 0.62 0.61 0.61 0.63 0.71 0.81 0.96 1.09 1.43 17
8 0.64 0.62 0.61 0.61 0.63 0.71 0.81 0.96 1.09 1.23 1.33 18
9 0.61 0.61 0.61 0.63 0.71 0.81 0.96 1.09 1.23 1.13 1.36 19
10 0.60 0.61 0.63 0.71 0.81 0.96 1.09 1.23 1.13 1.16 1.40 20
11 0.60 0.63 0.71 0.81 0.96 1.09 1.23 1.13 1.16 1.20 1.43 21
12 0.62 0.71 0.81 0.96 1.09 1.23 1.13 1.16 1.20 1.23 1.42 22
13 0.71 0.81 0.96 1.09 1.23 1.13 1.16 1.20 1.23 1.22 1.41 23
14 0.81 0.96 1.09 1.23 1.13 1.16 1.20 1.23 1.22 1.21 1.41 24
15 0.95 1.09 1.23 1.13 1.16 1.20 1.23 1.22 1.21 1.21 1.40 25
16 1.09 1.23 1.13 1.16 1.20 1.23 1.22 1.21 1.21 1.20 1.39 26
17 1.07 1.13 1.16 1.20 1.23 1.22 1.21 1.21 1.20 1.19 1.37 27
18 1.04 1.10 1.13 1.17 1.19 1.18 1.18 1.18 1.17 1.17 1.36 28
19 1.00 1.06 1.10 1.13 1.15 1.14 1.14 1.14 1.15 1.16 1.34 29
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE NEAREST BIRTHDAY
POLICY YEAR
ISSUE -------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- --------
20 0.63 0.66 0.68 0.70 0.71 0.72 0.72 0.73 0.75 0.76 0.96 30
21 0.61 0.63 0.66 0.68 0.69 0.69 0.70 0.71 0.73 0.75 0.94 31
22 0.58 0.61 0.64 0.66 0.66 0.66 0.67 0.69 0.71 0.74 0.97 32
23 0.58 0.60 0.64 0.66 0.66 0.66 0.68 0.70 0.73 0.76 0.99 33
24 0.57 0.59 0.63 0.65 0.66 0.67 0.68 0.71 0.75 0.79 1.02 34
25 0.56 0.59 0.63 0.65 0.66 0.67 0.69 0.73 0.77 0.82 1.05 35
26 0.55 0.58 0.63 0.64 0.65 0.67 0.70 0.74 0.79 0.85 1.09 36
27 0.54 0.57 0.62 0.63 0.65 0.67 0.71 0.76 0.82 0.88 1.19 37
28 0.55 0.58 0.64 0.66 0.68 0.71 0.76 0.81 0.89 0.96 1.29 38
29 0.56 0.60 0.65 0.68 0.71 0.76 0.80 0.88 0.96 1.05 1.41 39
30 0.58 0.62 0.67 0.71 0.75 0.80 0.86 0.94 1.04 1.15 1.53 40
31 0.59 0.64 0.70 0.75 0.79 0.85 0.91 1.01 1.13 1.25 1.67 41
32 0.61 0.67 0.72 0.78 0.83 0.91 0.98 1.09 1.22 1.36 1.82 42
33 0.62 0.69 0.76 0.83 0.89 0.98 1.07 1.19 1.34 1.50 1.97 43
34 0.63 0.71 0.79 0.88 0.96 1.06 1.16 1.30 1.47 1.65 2.15 44
35 0.64 0.73 0.84 0.94 1.03 1.14 1.27 1.42 1.60 1.81 2.34 45
36 0.65 0.76 0.88 1.00 1.11 1.24 1.39 1.55 l.75 1.99 2.54 46
37 0.67 0.79 0.93 1.06 1.19 1.34 1.51 1.70 1.92 2.18 2.82 47
38 0.72 0.86 1.02 1.17 1.31 1.49 1.68 1.89 2.14 2.42 3.13 48
39 0.77 0.94 1.12 1.29 1.44 1.65 1.87 2.10 2.37 2.68 3.47 49
40 0.82 1.02 1.22 1.42 1.58 1.83 2.07 2.33 2.63 2.97 3.83 50
41 0.88 1.12 1.34 1.56 1.74 2.03 2.29 2.58 2.91 3.28 4.23 51
42 0.95 1.22 1.46 1.72 1.90 2.24 2.53 2.85 3.22 3.62 4.60 52
43 1.00 1.30 1.59 1.87 2.09 2.44 2.77 3.13 3.52 3.95 5.03 53
44 1.07 1.39 1.72 2.03 2.29 2.67 3.04 3.43 3.84 4.31 5.55 54
NON-SMOKER RATES
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE NEAREST BIRTHDAY
POLICY YEAR
ISSUE ------------------------------------------------------------------------------------ ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- --------
45 1.14 1.49 1.86 2.21 2.50 2.91 3.34 3.76 4.19 4.71 6.12 55
46 1.21 1.60 2.02 2.40 2.74 3.17 3.66 4.12 4.57 5.14 6.74 56
47 1.30 1.72 2.19 2.61 3.00 3.46 4,01 4.51 4.99 5.61 7.44 57
48 1.36 1.85 2.37 2.82 3.23 3.78 4.41 4.96 5.49 6.18 8.20 58
49 1.44 1.99 2.56 3.05 3.47 4.13 4.84 5.45 6.03 6.80 9.04 59
50 1.52 2.15 2.78 3.30 3.75 4.51 5.32 5.98 6.62 7.48 9.94 60
51 1.60 2.31 3.01 3.57 4.04 4.92 5.84 6.57 7.27 8.22 10.93 61
52 1.70 2.50 3.26 3.87 4.36 5.36 6.41 7.20 7.97 9.03 12.10 62
53 1.81 2.67 3.54 4.24 4.77 5.81 6.94 7.81 8.67 9.89 13.36 63
54 1.94 2.86 3.84 4.64 5.22 6.29 7.52 8.47 9.43 10.81 14.74 64
55 2.07 3.06 4.18 5.07 5.71 6.82 8.16 9.19 10.26 11.83 16.25 65
56 2.22 3.28 4.54 5.55 6.24 7.39 8.85 9.97 11.17 12.93 17.89 66
57 2.39 3.52 4.94 6.06 6.82 8.02 9.61 10.83 12.15 14.14 19.81 67
58 2.68 3.93 5.52 6.86 7.69 8.86 10.44 11.81 13.36 15.59 21.91 68
59 2.99 4.38 6.16 7.73 8.63 9.78 11.35 12.88 14.68 17.17 24.20 69
60 3.34 4.87 6.86 8.68 9.67 10.78 12.34 14.05 16.13 18.90 26.69 70
61 3.72 5.41 7.61 9.71 10.80 11.87 13.42 15.32 17.69 20.78 29.40 71
62 4.13 5.99 8.44 10.84 12.03 13.06 14.60 16.70 19.41 22.84 32.08 72
63 4.71 6.80 9.39 11.88 13.38 14.61 16.33 18.53 21.58 25.59 35.00 73
64 5.35 7.69 10.43 13.01 14.85 16.29 18.22 20.52 23.95 28.59 38.20 74
65 6.05 8.65 11.57 14.25 16.46 18.14 20.29 22.69 26.55 31.88 41.66 75
66 6.80 9.71 12.80 15.60 18.21 20.14 22.53 25.05 29.36 35.44 45.45 76
67 7.63 10.85 14.l5 17.07 20.12 22.32 24.98 27.62 32.44 39.34 49.58 77
68 8.92 12.64 16.40 19.79 23.22 25.67 28.56 31.48 36.58 44.04 54.08 78
69 10.33 14.59 18.85 22.77 26.60 29.31 32.45 35.67 41.08 49.16 59.77 79
NON-SMOKER RATES
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE NEAREST BIRTHDAY
POLICY YEAR
ISSUE -------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- --------
20 1.46 1.54 1.61 1.65 1.66 1.63 1.62 1.63 1.64 1.66 1.84 30
21 1.39 1.46 1.54 1.58 1.57 1.55 1.54 1.56 1.59 1.63 1.96 31
22 1.31 1.37 1.47 1.50 1.48 1.45 1.46 1.49 1.54 1.60 2.02 32
23 1.28 1.35 1.45 1.48 1.47 1.46 1.48 1.52 1.59 1.66 2.08 33
24 1.25 1.32 1.43 1.46 1.46 1.46 1.49 1.55 1.64 1.73 2.15 34
25 1.21 1.29 1.42 1.44 1.45 1.46 1.51 1.59 1.69 1.80 2.22 35
26 1.17 1.25 1.40 1.42 1.44 1.47 1.54 1.63 1.75 1.88 2.30 36
27 1.13 1.21 1.38 1.40 1.43 1.47 1.56 1.67 1.82 1.97 2.47 37
28 1.18 1.27 1.43 1.47 1.52 1.58 1.68 1.82 1.99 2.16 2.67 38
29 1.23 1.33 1.49 1.55 1.61 1.70 1.81 1.98 2.18 2.38 2.88 39
30 1.28 1.40 1.55 1.64 1.72 1.83 1.96 2.15 2.38 2.61 3.14 40
31 1.33 1.47 1.62 1.74 1.83 1.97 2.11 2.35 2.60 2.86 3.44 41
32 1.40 1.56 1.70 1.85 1.96 2.13 2.28 2.55 2.84 3.14 3.71 42
33 1.42 1.61 1.79 1.97 2.10 2.30 2.48 2.77 3.07 3.40 4.01 43
34 1.44 1.66 1.89 2.09 2.26 2.48 2.70 3.00 3.33 3.68 4.35 44
35 1.47 1.72 2.00 2.23 2.44 2.68 2.94 3.25 3.60 4.00 4.74 45
36 1.49 1.78 2.11 2.39 2.63 2.90 3.20 3.52 3.90 4.34 5.16 46
37 1.52 1.85 2.24 2.55 2.84 3.14 3.48 3.82 4.23 4.71 5.58 47
38 1.62 2.00 2.42 2.76 3.05 3.41 3.77 4.14 4.57 5.06 6.04 48
39 1.72 2.17 2.61 2.99 3.29 3.70 4.09 4.49 4.95 5.45 6.54 49
40 1.84 2.35 2.82 3.25 3.55 4.03 4.44 4.88 5.36 5.88 7.08 50
41 1.96 2.54 3.05 3.52 3.82 4.38 4.82 5.29 5.80 6.34 7.67 51
42 2.10 2.75 3.30 3.82 4.13 4.76 5.23 5.74 6.29 6.85 8.27 52
43 2.20 2.89 3.51 4.06 4.43 5.07 5.60 6.14 6.69 7.28 8.91 53
44 2.31 3.05 3.73 4.33 4.75 5.41 6.00 6.57 7.12 7.75 9.62 54
SMOKER RATES
NORTH AMERICA REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE NEAREST BIRTHDAY
POLICY YEAR
ISSUE ------------------------------------------------------------------------------------ ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- --------
45 2.43 3.21 3.98 4.62 5.10 5.78 6.44 7.03 7.60 8.26 10.39 55
46 2.56 3.39 4.25 4.93 5.49 6.18 6.91 7.54 8.11 8.81 11.22 56
47 2.71 3.59 4.54 5.28 5.91 6.63 7.44 8.10 8.67 9.42 12.12 57
48 2.83 3.84 4.86 5.64 6.28 7.14 8.07 8.79 9.40 10.22 13.10 58
49 2.96 4.10 5.21 6.04 6.69 7.71 8.76 9.53 10.19 11.10 14.17 59
50 3.11 4.39 5.59 6.48 7.13 8.32 9.52 10.35 11.06 12.07 15.34 60
51 3.26 4.71 6.01 6.95 7.61 8.99 10.34 11.23 12.00 13.11 16.61 61
52 3.44 5.06 6.46 7.47 8.14 9.72 11.24 12.20 13.03 14.25 17.61 62
53 3.60 5.28 6.82 7.92 8.61 10.17 11.73 12.72 13.61 14.93 18.71 63
54 3.78 5.51 7.22 8.42 9.13 10.65 12.28 13.29 14.23 15.68 19.91 64
55 3.97 5.77 7.65 8.96 9.70 11.18 12.87 13.92 14.92 16.49 21.21 65
56 4.18 6.06 8.12 9.55 10.31 11.76 13.52 14.60 15.66 17.37 22.63 66
57 4.42 6.37 8.63 10.19 10.98 12.39 14.22 15.34 16.47 18.34 24.26 67
58 4.68 6.72 9.13 10.91 11.75 13.06 14.82 16.08 17.44 19.53 26.03 68
59 4.97 7.10 9.68 11.69 12.59 13.80 15.48 16.89 18.51 20.83 27.98 69
60 5.28 7,52 10.28 12.55 13.51 14.60 16.19 17.77 19.67 22.25 30.08 70
61 5.62 7.98 10.93 13.48 14.51 15.48 16.97 18.74 20.93 23.80 32.39 71
62 5.99 8.43 11.63 14.50 15.60 16.43 17.82 19.79 22.31 25.48 34.57 72
63 6.57 9.27 12.50 15.39 16.82 17.84 19.40 21.41 24.26 27.97 36.95 73
64 7.21 10.13 13.45 16.37 18.15 19.38 21.11 23.18 26.38 30.68 39.54 74
65 7.90 11.06 14.48 17.44 19.61 21.06 22.99 25.12 28.70 33.64 42.36 75
66 8.65 12.08 15.60 18.59 21.18 22.89 25.03 27.22 31.21 36.85 45.45 76
67 9.47 13.19 16.83 19.86 22.91 24.88 27.26 29.52 33.96 40.36 49.67 77
68 10.45 14.59 18.63 22.12 25.54 27.80 30.45 33.05 37.35 44.89 54.71 78
69 11.53 16.11 20.59 24.59 28.42 30.97 33.93 36.91 42.07 49.83 60.23 79
SMOKER RATES
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM
REINSURANCE FOR EACH 25% OF EXCESS MORTALITY
MALE SUBSTANDARD RISK
AGE NEAREST BIRTHDAY
POLICY YEAR
ISSUE -------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- --------
0 1.40 0.32 0.20 0.16 0.13 0.12 0.10 0.09 0.08 0.08 0.07 10
1 0.32 0.20 0.16 0.13 0.12 0.10 0.09 0.08 0.08 0.07 0.07 11
2 0.20 0.16 0.13 0.12 0.10 0.09 0.08 0.08 0.07 0.07 0.08 12
3 0.16 0.13 0.12 0.10 0.09 0.08 0.08 0.07 0.07 0.08 0.10 13
4 0.13 0.12 0.10 0.09 0.08 0.08 0.07 0.07 0.08 0.10 0.13 14
5 0.12 0.10 0.09 0.08 0.08 0.07 0.07 0.08 0.10 0.13 0.16 15
6 0.10 0.09 0.08 0.08 0.07 0.07 0.08 0.10 0.13 0.16 0.20 16
7 0.09 0.08 0.08 0.07 0.07 0.08 0.10 0.13 0.16 0.20 0.23 17
8 0.08 0.08 0.07 0.07 0.08 0.10 0.13 0.16 0.20 0.23 0.21 18
9 0.08 0.07 0.07 0.08 0.10 0.13 0.16 0.20 0.23 0.21 0.21 19
10 0.07 0.07 0.08 0.10 0.13 0.16 0.20 0.23 0.21 0.21 0.22 20
11 0.07 0.08 0.10 0.13 0.16 0.20 0.23 0.21 0.21 0.22 0.23 21
12 0.08 0.10 0.13 0.16 0.20 0.23 0.21 0.21 0.22 0.23 0.23 22
13 0.10 0.13 0.16 0.20 0.23 0.21 0.21 0.22 0.23 0.23 0.23 23
14 0.13 0.16 0.20 0.23 0.21 0.21 0.22 0.23 0.23 0.23 0.23 24
15 0.16 0.20 0.23 0.21 0.21 0.22 0.23 0.23 0.23 0.23 0.22 25
16 0.20 0.23 0.21 0.21 0.22 0.23 0.23 0.23 0.23 0.22 0.22 26
17 0.19 0.21 0.21 0.22 0.23 0.23 0.23 0.23 0.22 0.22 0.23 27
18 0.18 0.20 0.21 0.22 0.22 0.22 0.22 0.22 0.22 0.22 0.23 28
19 0.18 0.19 0.20 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.24 29
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM
REINSURANCE FOR EACH 25% OF EXCESS MORTALITY
MALE SUBSTANDARD RISK
AGE NEAREST BIRTHDAY
POLICY YEAR
ISSUE ----------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ----- ----- ----- --------
45 0.35 0.49 0.62 0.75 0.84 0.98 1.12 1.25 1.38 1.53 1.98 55
46 0.38 0.52 0.68 0.81 0.92 1.07 1.22 1.36 1.50 1.66 2.17 56
47 0.40 0.56 0.74 0.88 1.01 1.16 1.33 1.48 1.62 1.80 2.38 57
48 0.43 0.61 0.80 0.95 1.08 1.26 1.46 1.63 1.78 1.98 2.61 58
49 0.45 0.66 0.86 1.03 1.17 1.38 1.60 1.78 1.95 2.17 2.86 59
50 0.48 0.71 0.94 1.11 1.26 1.50 1.76 1.96 2.14 2.38 3.13 60
51 0.51 0.77 1.02 1.21 1.35 1.64 1.93 2.14 2.34 2.61 3.43 61
52 0.54 0.84 1.10 1.31 1.46 1.79 2.11 2.35 2.56 2.87 3.70 62
53 0.58 0.89 1.19 1.41 1.57 1.90 2.24 2.49 2.72 3.06 4.00 63
54 0.62 0.94 1.28 1.53 1.69 2.02 2.39 2.64 2.89 3.26 4.32 64
55 0.66 1.00 1.37 1.65 1.83 2.15 2.54 2.81 3.08 3.49 4.68 65
56 0.71 1.07 1.48 1.78 1.97 2.30 2.71 2.99 3.29 3.73 5.06 66
57 0.76 1.14 1.60 1.93 2.13 2.46 2.89 3.19 3.51 4.00 5.48 67
58 0.85 1.27 1.77 2.17 2.38 2.69 3.12 3.45 3.83 4.38 5.93 68
59 0.95 1.40 1.96 2.42 2.65 2.95 3.36 3.74 4.18 4.80 6.43 69
60 1.06 1.55 2.17 2.70 2.95 3.23 3.63 4.05 4.56 5.25 6.96 70
61 1.18 1.71 2.40 3.01 3.28 3.53 3.92 4.39 4.98 5.74 7.55 71
62 1.30 1.89 2.64 3.34 3.63 3.87 4.24 4.76 5.43 6.27 8.18 72
63 1.47 2.11 2.89 3.60 3.97 4.25 4.66 5.18 5.93 6.90 8.85 73
64 1.65 2.36 3.16 3.88 4.34 4.66 5.11 5.65 6.47 7.58 9.60 74
65 1.84 2.62 3.46 4.19 4.74 5.11 5.61 6.15 7.06 8.32 10.40 75
66 2.06 2.91 3.78 4.52 5.17 5.61 6.15 6.70 7.71 9.13 11.28 76
67 2.29 3.22 4.13 4.89 5.65 6.14 6.74 7.30 8.41 10.01 12.32 77
68 2.54 3.57 4.58 5.45 6.31 6.87 7.54 8.19 9.38 11.15 13.44 78
69 2.81 3.95 5.07 6.07 7.03 7.67 8.41 9.15 10.44 12.38 14.67 79
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM
REINSURANCE FOR EACH 25% OF EXCESS MORTALITY
MALE SUBSTANDARD RISK
AGE NEAREST BIRTHDAY
POLICY YEAR
ISSUE -------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- --------
20 0.17 0.18 0.19 0.20 0.20 0.20 0.20 0.20 0.20 0.21 0.25 30
21 0.16 0.17 0.18 0.19 0.19 0.19 0.19 0.19 0.20 0.20 0.26 31
22 0.14 0.15 0.17 0.18 0.17 0.17 0.17 0.18 0.19 0.20 0.27 32
23 0.14 0.15 0.17 0.17 0.17 0.17 0.18 0.18 0.20 0.21 0.28 33
24 0.14 0.15 0.16 0.17 0.17 0.17 0.18 0.19 0.20 0.22 0.29 34
25 0.13 0.14 0.16 0.17 0.17 0.17 0.18 0.20 0.21 0.23 0.30 35
26 0.13 0.14 0.16 0.16 0.17 0.17 0.19 0.20 0.22 0.24 0.31 36
27 0.12 0.13 0.16 0.16 0.17 0.18 0.19 0.21 0.23 0.26 0.34 37
28 0.13 0.14 0.16 0.17 0.18 0.19 0.21 0.23 0.26 0.29 0.38 38
29 0.13 0.15 0.17 0.18 0.20 0.21 0.23 0.26 0.29 0.33 0.41 39
30 0.14 0.16 0.18 0.20 0.21 0.23 0.25 0.29 0.32 0.36 0.45 40
31 0.15 0.17 0.19 0.21 0.23 0.25 0.28 0.32 0.36 0.41 0.49 41
32 0.16 0.18 0.20 0.23 0.25 0.28 0.30 0.35 0.40 0.45 0.55 42
33 0.16 0.19 0.22 0.25 0.27 0.31 0.34 0.39 0.44 0.50 0.61 43
34 0.16 0.20 0.24 0.27 0.30 0.34 0.38 0.43 0.49 0.55 0.67 44
35 0.17 0.21 0.25 0.29 0.33 0.37 0.42 0.47 0.54 0.61 0.75 45
36 0.17 0.22 0.27 0.32 0.36 0.41 0.46 0.52 0.59 0.68 0.82 46
37 0.18 0.23 0.29 0.35 0.40 0.45 0.51 0.58 0.65 0.74 0.91 47
38 0.20 0.26 0.33 0.39 0.44 0.50 0.57 0.64 0.72 0.82 1.01 48
39 0.22 0.29 0.36 0.43 0.48 0.56 0.63 0.71 0.80 0.90 1.12 49
40 0.24 0.32 0.40 0.48 0.53 0.62 0.70 0.79 0.89 1.00 1.23 50
41 0.26 0.36 0.44 0.53 0.59 0.69 0.78 0.87 0.98 1.10 1.36 51
42 0.28 0.39 0.49 0.58 0.64 0.76 0.86 0.96 1.08 1.20 1.50 52
43 0.30 0.42 0.53 0.63 0.71 0.83 0.94 1.05 1.17 1.30 1.64 53
44 0.33 0.45 0.58 0.69 0.77 0.90 1.02 1.15 1.27 1.41 1.80 54
COINSURANCE PREMIUMS
I. Coinsurance Allowances:
First Renewal
Plan Class Year Years
---- ----- ----- -------
5 Year Term Preferred 100% 37%
Nonsmoker 100 42
Smoker 100 25
10 Year Term Preferred 100 28
Nonsmoker 100 32
Smoker 100 10
II. Maximum amount of reinsurance on these coinsurance allowances: $5,000,000.
III. Recapture: Reinsurance ceded on the above plans shall not be eligible for
recapture before the tenth policy anniversary.
IV. Conversions: Reinsured converted policies shall be continued on a YRT
reinsurance mode. The applicable YRT premiums shall be those shown in rate
schedule NRL-6027 for the insured's issue age and the policy duration
measured from the date of issue of the original coinsured policy. Recapture
on converted policies shall be governed by the coinsurance recapture terms
with duration measured from the date of issue of the original coinsured
policy.
EXHIBIT B - Part 2
YEARLY RENEWABLE TERM REINSURANCE PREMIUMS
Plan Rate Schedule
---- -------------
GP-20 NRL-6027
Discovery One See Part 3 (a) attached
Other Plans NR-5923
EXHIBIT B - Part 3
TEN YEAR SELECT NON REFUND YRT REINSURANCE PROGRAM
USE OF THE RATE SCHEDULE
SMOKER/NON SMOKER DIFFERENTIATION
This schedule contains YRT rates which are differentiated by smoking habit
for issue ages 20-69. These rates are to be used only where the Ceding
Company's gross premiums are differentiated by smoking habit.
FEMALE RATES
Ages 20 to 24 Use Rates for Males Age 20
Ages 25 & Older Use Rates for Males 5 Years Younger
SUBSTANDARD RISKS
Multiple table substandard premiums are equal to the sum of the standard
premium (smoker or non-smoker) and the appropriate multiple of the
additional premiums for 25% excess mortality shown in the Substandard
table. For example: if a risk is rated Class D, 200%, the premium per
thousand for each age and duration is the standard premium plus four times
the additional substandard premium.
Reinsurance premiums for risks which have been rated on a multiple table
basis shall revert to the standard premium on the later of the twentieth
policy anniversary and attained age 65.
RECAPTURE
Reinsurance ceded under this program will not be eligible for recapture
before the end of the tenth policy anniversary.
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE LAST BIRTHDAY
POLICY YEAR
ISSUE -------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- --------
20 0.75 0.78 0.81 0.83 0.84 0.84 0.85 0.86 0.88 0.89 0.88 30
21 0.73 0.75 0.79 0.81 0.81 0.81 0.82 0.84 0.86 0.88 0.89 31
22 0.71 0.74 0.77 0.79 0.79 0.80 0.81 0.83 0.86 0.89 0.91 32
23 0.70 0.73 0.77 0.79 0.79 0.80 0.81 0.84 0.87 0.91 0.94 33
24 0.69 0.72 0.76 0.78 0.79 0.80 0.82 0.85 0.89 0.94 0.97 34
25 0.68 0.71 0.76 0.77 0.79 0.80 0.83 0.87 0.92 0.97 1.01 35
26 0.67 0.70 0.75 0.77 0.78 0.80 0.84 0.88 0.94 1.01 1.07 36
27 0.67 0.70 0.76 0.78 0.80 0.82 0.87 0.92 0.99 1.07 1.16 37
28 0.68 0.72 0.78 0.80 0.83 0.87 0.92 0.99 1.07 1.16 1.26 38
29 0.70 0.74 0.80 0.83 0.86 0.91 0.97 1.06 1.15 1.26 1.37 39
30 0.71 0.76 0.82 0.86 0.90 0.97 1.03 1.13 1.25 1.37 1.49 40
31 0.73 0.79 0.84 0.90 0.95 1.02 1.10 1.22 1.35 1.49 1.63 41
32 0.75 0.81 0.87 0.94 1.00 1.09 1.18 1.31 1.46 1.63 1.78 42
33 0.76 0.83 0.91 0.99 1.07 1.17 1.28 1.42 1.59 1.78 1.98 43
34 0.77 0.86 0.96 1.05 1.14 1.26 1.39 1.54 1.73 1.94 2.19 44
35 0.78 0.88 1.00 1.11 1.23 1.36 1.50 1.68 1.88 2.12 2.42 45
36 0.79 0.91 1.05 1.18 1.31 1.46 1.63 1.82 2.04 2.31 2.68 46
37 0.82 0.96 1.12 1.27 1.42 1.59 1.78 1.99 2.24 2.53 2.98 47
38 0.87 1.03 1.21 1.38 1.54 1.74 1.96 2.19 2.46 2.78 3.31 48
39 0.92 1.11 1.31 1.51 1.67 1.91 2.15 2.41 2.71 3.05 3.68 49
40 0.97 1.20 1.42 1.64 1.81 2.09 2.36 2.65 2.98 3.35 4.07 50
41 1.03 1.29 1.54 1.78 1.97 2.29 2.58 2.91 3.27 3.67 4.50 51
42 1.09 1.38 1.66 1.93 2.14 2.50 2.82 3.18 3.57 4.00 4.98 52
43 1.15 1.47 1.78 2.08 2.33 2.71 3.08 3.46 3.87 4.34 5.51 53
44 1.22 1.56 1.91 2.25 2.53 2.94 3.35 3.78 4.21 4.72 6.08 54
NON-SMOKER RATES
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE LAST BIRTHDAY
POLICY YEAR
ISSUE ------------------------------------------------------------------------------------ ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- --------
45 1.29 1.66 2.06 2.43 2.75 3.19 3.66 4.12 4.57 5.13 6.70 55
46 1.36 1.76 2.22 2.62 3.00 3.45 3.98 4.48 4.97 5.57 7.41 56
47 1.44 1.89 2.39 2.83 3.24 3.76 4.36 4.91 5.44 6.11 8.19 57
48 1.51 2.03 2.59 3.06 3.49 4.11 4.80 5.41 5.98 6.74 9.05 58
49 1.59 2.18 2.79 3.31 3.76 4.48 5.28 5.94 6.58 7.42 9.99 59
50 1.67 2.35 3.02 3.58 4.05 4.90 5.80 6.53 7.23 8.18 11.00 60
51 1.77 2.53 3.27 3.88 4.37 5.34 6.37 7.17 7.93 8.99 12.05 61
52 1.87 2.71 3.53 4.20 4.72 5.77 6.89 7.76 8.60 9.77 13.13 62
53 1.99 2.88 3.80 4.55 5.11 6.17 7.37 8.28 9.20 10.49 14.31 63
54 2.12 3.06 4.10 4.93 5.52 6.61 7.88 8.86 9.85 11.29 15.59 64
55 2.25 3.26 4.42 5.35 5.98 7.09 8.45 9.49 10.57 12.16 16.98 65
56 2.40 3.47 4.77 5.80 6.48 7.61 9.06 10.17 11.34 13.10 18.54 66
57 2.60 3.75 5.19 6.36 7.10 8.22 9.72 10.92 12.24 14.18 20.24 67
58 2.85 4.10 5.69 7.05 7.85 8.93 10.40 11.74 13.26 15.42 22.11 68
59 3.13 4.49 6.24 7.80 8.66 9.71 11.16 12.63 14.38 16.76 24.15 69
60 3.43 4.91 6.83 8.62 9.56 10.55 11.98 13.61 15.60 18.24 26.36 70
61 3.75 5.36 7.48 9.51 10.53 11.47 12.87 14.67 16.93 19.83 28.58 71
62 4.14 5.89 8.16 10.33 11.51 12.50 13.94 15.86 18.38 21.61 30.76 72
63 4.59 6.51 8.85 11.07 12.49 13.63 15.21 17.17 19.95 23.57 33.15 73
64 5.08 7.18 9.62 11.87 13.56 14.87 16.60 18.60 21.66 25.71 35.76 74
65 5.61 7.92 10.45 12.75 14.74 16.22 18.11 20.17 23.54 28.05 38.59 75
66 6.19 8.72 11.35 13.70 16.01 17.69 19.75 21.87 25.57 30.58 41.59 76
67 6.79 9.56 12.39 14.92 17.51 19.38 21.62 23.87 27.84 33.33 44.75 77
68 7.41 10.45 13.55 16.41 19.25 21.30 23.72 26.19 30.35 36.28 48.19 78
69 8.09 11.42 14.83 18.05 21.15 23.40 26.01 28.73 33.10 39.49 51.96 79
NON-SMOKER RATES
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE LAST BIRTHDAY
POLICY YEAR
ISSUE --------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- --------
20 1.39 1.48 1.57 1.63 1.65 1.65 1.67 1.71 1.75 1.81 2.01 30
21 1.33 1.40 1.50 1.56 1.57 1.57 1.59 1.64 1.70 1.77 2.07 31
22 1.28 1.35 1.46 1.51 1.52 1.52 1.56 1.62 1.70 1.79 2.13 32
23 1.25 1.33 1.45 1.50 1.51 1.53 1.58 1.65 1.75 1.86 2.21 33
24 1.22 1.30 1.43 1.48 1.50 1.53 1.60 1.69 1.81 1.93 2.29 34
25 1.19 1.27 1.42 1.46 1.49 1.54 1.62 1.73 1.87 2.01 2.37 35
26 1.16 1.24 1.40 1.44 1.49 1.54 1.64 1.77 1.94 2.10 2.51 36
27 1.16 1.25 1.41 1.46 1.52 1.60 1.72 1.87 2.06 2.25 2.71 37
28 1.20 1.30 1.47 1.54 1.61 1.71 1.84 2.02 2.24 2.45 2.93 38
29 1.24 1.36 1.52 1.62 1.71 1.83 1.97 2.18 2.43 2.68 3.17 39
30 1.29 1.43 1.59 1.71 1.81 1.96 2.12 2.37 2.64 2.92 3.42 40
31 1.34 1.50 1.65 1.81 1.93 2.11 2.28 2.56 2.87 3.19 3.73 41
32 1.38 1.56 1.73 1.92 2.06 2.26 2.46 2.77 3.11 3.47 4.08 42
33 1.40 1.60 1.82 2.03 2.20 2.44 2.67 3.00 3.37 3.76 4.46 43
34 1.42 1.66 1.91 2.16 2.36 2.62 2.90 3.25 3.64 4.09 4.88 44
35 1.45 1.71 2.02 2.29 2.54 2.83 3.15 3.52 3.95 4.44 5.33 45
36 1.48 1.77 2.13 2.44 2.73 3.05 3.42 3.81 4.28 4.82 5.83 46
37 1.54 1.88 2.28 2.62 2.94 3.31 3.72 4.15 4.65 5.23 6.37 47
38 1.63 2.03 2.46 2.85 3.18 3.61 4.05 4.52 5.05 5.67 6.95 48
39 1.74 2.20 2.67 3.09 3.43 3.94 4.41 4.93 5.50 6.15 7.60 49
40 1.86 2.38 2.89 3.36 3.72 4.30 4.81 5.37 5.99 6.67 8.30 50
41 1.98 2.58 3.13 3.65 4.02 4.69 5.24 5.85 6.52 7.23 9.03 51
42 2.10 2.76 3.36 3.93 4.34 5.06 5.67 6.33 7.03 7.79 9.80 52
43 2.20 2.90 3.58 4.20 4.66 5.41 6.09 6.79 7.51 8.32 10.63 53
44 2.31 3.06 3.81 4.48 5.02 5.79 6.55 7.30 8.04 8.89 11.54 54
SMOKER RATES
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE LAST BIRTHDAY
POLICY YEAR
ISSUE ------------------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- --------
45 2.44 3.24 4.07 4.80 5.41 6.21 7.06 7.85 8.61 9.52 12.53 55
46 2.57 3.42 4.35 5.14 5.83 6.67 7.60 8.45 9.23 10.21 13.59 56
47 2.70 3.63 4.65 5.49 6.23 7.16 8.21 9.12 9.94 11.00 14.72 57
48 2.81 3.86 4.96 5.84 6.60 7.69 8.88 9.85 10.73 11.90 15.95 58
49 2.93 4.11 5.29 6.23 7.00 8.26 9.60 10.65 11.60 12.89 17.29 59
50 3.06 4.39 5.66 6.66 7.45 8.90 10.40 11.53 12.56 13.97 18.75 60
51 3.20 4.68 6.06 7.12 7.93 9.58 11.26 12.48 13.59 15.13 20.16 61
52 3.36 4.95 6.45 7.60 8.43 10.19 12.00 13.29 14.47 16.17 21.50 62
53 3.52 5.18 6.83 8.09 8.95 10.70 12.59 13.92 15.19 17.03 22.96 63
54 3.70 5.43 7.25 8.62 9.52 11.25 13.23 14.62 15.97 17.97 24.56 64
55 3.90 5.70 7.70 9.20 10.15 11.86 13.93 15.38 16.82 19.01 26.29 65
56 4.11 5.99 8.20 9.84 10.82 12.52 14.69 16.20 17.74 20.12 28.13 66
57 4.40 6.37 8.78 10.61 11.64 13.28 15.46 17.07 18.78 21.37 30.05 67
58 4.75 6.85 9.44 11.52 12.62 14.15 16.23 17.98 19.93 22.74 32.15 68
59 5.14 7.37 10.17 12.53 13.68 15.09 17.07 18.98 21.19 24.24 34.46 69
60 5.56 7.94 10.96 13.62 14.84 16.12 17.99 20.07 22.57 25.88 36.94 70
61 6.02 8.56 11.82 14.81 16.10 17.24 18.99 21.25 24.06 27.66 39.35 71
62 6.54 9.25 12.67 15.81 17.29 18.42 20.17 22.52 25.61 29.61 41.63 72
63 7.12 10.02 13.48 16.60 18.38 19.67 21.54 23.87 27.20 31.73 44.12 73
64 7.75 10.86 14.36 17.47 19.57 21.03 23.03 25.34 28.93 34.04 46.84 74
65 8.44 11.78 15.33 18.41 20.87 22.53 24.66 26.95 30.84 36.58 49.78 75
66 9.18 12.77 16.38 19.43 22.28 24.14 26.43 28.70 32.89 39.32 53.28 76
67 9.91 13.76 17.53 20.73 23.94 26.05 28.56 30.99 35.52 42.58 57.36 77
68 10.59 14.72 18.77 22.31 25.85 28.25 31.06 33.87 38.76 46.38 61.81 78
69 11.34 15.77 20.13 24.03 27.94 30.66 33.79 37.00 42.29 50.53 66.68 79
SMOKER RATES
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM
REINSURANCE FOR EACH 25% OF EXCESS MORTALITY
MALE SUBSTANDARD RISK
AGE LAST BIRTHDAY
POLICY YEAR
ISSUE -------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- --------
20 0.16 0.17 0.19 0.19 0.19 0.19 0.19 0.20 0.20 0.21 0.25 30
21 0.15 0.16 0.17 0.18 0.18 0.18 0.18 0.19 0.19 0.20 0.26 31
22 0.14 0.15 0.17 0.17 0.17 0.17 0.17 0.18 0.19 0.20 0.27 32
23 0.14 0.15 0.17 0.17 0.17 0.17 0.18 0.19 0.20 0.21 0.28 33
24 0.13 0.14 0.16 0.17 0.17 0.17 0.18 0.19 0.21 0.23 0.29 34
25 0.13 0.14 0.16 0.17 0.17 0.17 0.18 0.20 0.22 0.24 0.31 35
26 0.12 0.13 0.16 0.16 0.17 0.17 0.19 0.21 0.23 0.25 0.33 36
27 0.12 0.14 0.16 0.17 0.17 0.18 0.20 0.22 0.25 0.27 0.36 37
28 0.13 0.14 0.17 0.18 0.19 0.20 0.22 0.24 0.28 0.31 0.39 38
29 0.14 0.15 0.18 0.19 0.20 0.22 0.24 0.27 0.31 0.34 0.43 39
30 0.14 0.16 0.19 0.21 0.22 0.24 0.26 0.30 0.34 0.38 0.47 40
31 0.15 0.18 0.20 0.22 0.24 0.26 0.29 0.33 0.38 0.43 0.52 41
32 0.16 0.19 0.21 0.24 0.26 0.29 0.32 0.37 0.42 0.48 0.58 42
33 0.16 0.19 0.23 0.26 0.29 0.32 0.36 0.41 0.46 0.53 0.64 43
34 0.17 0.20 0.24 0.28 0.31 0.35 0.40 0.45 0.51 0.58 0.71 44
35 0.17 0.21 0.26 0.31 0.34 0.39 0.44 0.50 0.57 0.64 0.78 45
36 0.18 0.23 0.28 0.33 0.38 0.43 0.49 0.55 0.62 0.71 0.87 46
37 0.19 0.24 0.31 0.37 0.42 0.48 0.54 0.61 0.69 0.78 0.96 47
38 0.21 0.27 0.34 0.41 0.46 0.53 0.60 0.68 0.76 0.86 1.06 48
39 0.23 0.30 0.38 0.45 0.51 0.59 0.67 0.75 0.84 0.95 1.17 49
40 0.25 0.34 0.42 0.50 0.56 0.65 0.74 0.83 0.93 1.05 1.30 50
41 0.27 0.37 0.47 0.55 0.61 0.73 0.82 0.92 1.03 1.15 1.43 51
42 0.29 0.41 0.51 0.61 0.67 0.80 0.90 1.01 1.13 1.25 1.57 52
43 0.31 0.44 0.55 0.66 0.74 0.86 0.98 1.10 1.22 1.36 1.72 53
44 0.34 0.47 0.60 0.71 0.81 0.94 1.07 1.20 1.32 1.47 1.89 54
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM
REINSURANCE FOR EACH 25% OF EXCESS MORTALITY
MALE SUBSTANDARD RISK
AGE LAST BIRTHDAY
POLICY YEAR
ISSUE ----------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ----- ----- ----- --------
45 0.36 0.50 0.65 0.78 0.88 1.02 1.17 1.30 1.44 1.60 2.07 55
46 0.39 0.54 0.71 0.84 0.96 1.11 1.27 1.42 1.56 1.73 2.27 56
47 0.42 0.58 0.77 0.91 1.05 1.21 1.40 1.55 1.70 1.89 2.49 57
48 0.44 0.63 0.83 0.99 1.12 1.32 1.53 1.70 1.86 2.07 2.73 58
49 0.47 0.68 0.90 1.07 1.21 1.44 1.68 1.87 2.04 2.28 2.99 59
50 0.49 0.74 0.98 1.16 1.30 1.57 1.84 2.05 2.24 2.50 3.28 60
51 0.53 0.80 1.06 1.26 1.40 1.71 2.02 2.24 2.45 2.74 3.56 61
52 0.56 0.86 1.14 1.36 1.51 1.84 2.18 2.42 2.64 2.96 3.85 62
53 0.60 0.92 1.23 1.47 1.63 1.96 2.31 2.56 2.80 3.16 4.16 63
54 0.64 0.97 1.32 1.59 1.76 2.09 2.46 2.72 2.98 3.37 4.50 64
55 0.68 1.04 1.43 1.72 1.90 2.23 2.62 2.90 3.18 3.61 4.86 65
56 0.73 1.10 1.54 1.86 2.05 2.38 2.80 3.09 3.39 3.87 5.26 66
57 0.80 1.20 1.68 2.05 2.25 2.57 3.00 3.32 3.67 4.19 5.70 67
58 0.90 1.33 1.86 2.29 2.51 2.82 3.24 3.59 4.00 4.58 6.17 68
59 1.00 1.47 2.06 2.56 2.80 3.09 3.49 3.89 4.37 5.02 6.69 69
60 1.12 1.63 2.28 2.85 3.11 3.38 3.77 4.22 4.76 5.49 7.25 70
61 1.24 1.80 2.52 3.17 3.45 3.70 4.08 4.57 5.20 6.00 7.86 71
62 1.39 2.00 2.76 3.47 3.80 4.05 4.44 4.97 5.67 6.58 8.51 72
63 1.56 2.23 3.02 3.74 4.15 4.45 4.88 5.41 6.19 7.23 9.22 73
64 1.74 2.48 3.31 4.03 4.53 4.88 5.35 5.89 6.76 7.94 9.99 74
65 1.95 2.76 3.62 4.35 4.95 5.36 5.87 6.42 7.38 8.72 10.83 75
66 2.17 3.06 3.95 4.70 5.41 5.87 6.44 7.00 8.05 9.56 11.79 76
67 2.41 3.39 4.35 5.17 5.97 6.50 7.13 7.74 8.89 10.57 12.87 77
68 2.67 3.76 4.82 5.76 6.66 7.26 7.96 8.66 9.90 11.75 14.04 78
69 2.95 4.15 5.33 6.40 7.41 8.09 8.87 9.66 11.01 13.04 15.33 79
I. Plan: Discovery One
II. Standard Reinsurance Risk Premiums: The reinsurance premiums to be used for
reinsurance ceded on the above plan will be the Company's gross premiums,
attached to this Exhibit, less the following percentage reductions:
First Renewal
Year Years
----- -------
Preferred 100% 38%
Nonsmoker 100 35
Smoker 100 35
III. Multiple Table Substandard Reinsurance Risk Premiums: The percentage
premium reduction specified in Section II., above, shall apply to multiple
table substandard premiums.
IV. Maximum amount of reinsurance on one life on these reinsurance premiums:
$5,000,000 the excess amount over $5,000,000 will be reinsured using rate
schedule NRN-5833. The nonsmoker rates will apply to both preferred
nonsmokers and nonsmokers.
V. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B - Part 3(a)
MALE PREFERRED NON-SMOKER
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
--- ------ ------ ------ ------ ------ ------ ------ ------ ------
0 6._07 1.692 1.461 1.403 1.346 1.298 1.250 1.211 1.1_2
1 1.692 1.4_1 1.403 1.346 1.298 1.250 1.211 1.162 1.163
2 1.461 1.403 1.346 1.298 1.250 1.211 1.182 1.163 1.1_3
3 1.403 1.346 1.298 1.250 1.211 1.182 1.163 1.163 1.182
4 1.34_ 1.298 1.250 1.211 1.182 1.1_3 1.163 1.182 1.211
5 1.298 1.2_0 1.211 1.182 1.163 1.1_3 1.182 1.211 1.269
6 0.250 1.211 1.182 1.183 1.163 1.182 1.211 1.269 1.336
7 1.211 1.182 1.163 1.163 1.182 1.211 1.269 1.336 1.403
8 1.182 1.1__ 1.163 1.182 1.211 1.269 1.336 1.403 1.480
9 1.16_ 1.1__ 1.1_2 1.211 1.269 1.336 1.403 1.480 1.557
10 1.16_ 1.1__ 1.211 1.269 1.33_ 1.403 1.480 1.557 1.625
11 1.182 1._11 1.269 1.33_ 1.403 1.480 1.557 1.625 1.673
12 1.211 1.___ 1.33_ 1.401 1.480 1.557 1.625 1.673 1.721
13 1.269 1.___ 1.403 1.4__ 1.557 1.625 1.673 1.721 1.347
14 1.33_ 1.___ 1.48_ 1.5__ 1.625 1.673 1.721 1.347 1.393
15 1.___ 1.___ 1._57 1.6__ 1.673 1.721 1.347 1.393 1.421
16 1.___ 1.___ 1.___ 1._7_ 1.7_1 1.347 1.39_ 1.421 1.435
17 1._57 1.___ 1._7_ 1.721 1._47 1.393 1.421 1.435 1.439
18 1._2_ 1.677 1.721 1._47 1.393 1.421 1.435 1.439 1.439
19 1._7_ 1.721 1.347 1.393 1.421 1.4_5 1.439 1.439 1.439
20 1.721 1.347 1.393 1.421 1.435 1.439 1.439 1.439 1.439
21 1._47 1.39_ 1.421 1.435 1.439 1.439 1.439 1.439 1.439
22 1.35_ 1.399 1.429 1.445 1.450 1.450 1.450 1.460 1.453
23 1.37_ 1.414 1.442 1.458 1.466 1.470 1.474 1.480 1.489
24 1.389 1.4_1 1.461 1.480 1.492 1.499 1.505 1.513 1.523
25 1.517 1.__4 1.580 1.596 1.604 1.607 1.610 1.615 1.625
26 1.542 1.__1 1.609 1.629 1.642 1.652 1.661 1.673 1.690
27 1.584 1.616 1.643 1.6__ 1.685 1.703 1.721 1.743 1.77_
28 1.643 1.674 1.702 1.727 1.751 1.775 1.800 1.830 1.865
29 1.711 1.741 1.770 1.800 1.829 1.859 1.891 1.928 1.97_
30 1.78_ 1.823 1.___ 1.891 1.926 1.962 2.001 2.044 2.093
31 1.___ 1.912 1.95_ 1.997 2.038 2.080 2.125 2.176 2.233
32 1.94_ 1.9__ _.047 2.096 2.147 2.199 2.256 2.318 2.386
33 2.011 2.075 _.13_ 2.2_1 2.___ 2.329 2.39_ 2.472 2.553
34 2.07_ 2.1__ _._37 2.315 2.___ 2.472 2.55_ 2.645 2.742
35 2.145 2.247 _.___ 2.4__ 2._3_ 2.626 2.725 2.826 2.93_
36 2.23_ 2.___ _.___ 2.__1 2.712 2.822 2.934 3.050 3.174
37 2._48 2.___ _.___ 2.7__ 2.911 3.038 3.1__ 3.297 3.43_
38 2.__1 2.___ _.___ 2.___ 3.142 3.2_5 3.42_ 3.569 _.717
39 2._3_ 2.___ _.___ 3._47 3.414 3.599 3.717 3.8_3 4.014
40 2._11 _.___ _._07 3._1_ 3.700 3.869 4.028 4.184 4.345
41 2.___ 3.___ _.___ 3.71_ 3.91_ 4.102 4.277 4.450 4._3_
42 _.___ _.___ _.___ 3.917 4.139 4.341 4.535 4.730 4.939
43 3.189 3.___ _._37 4.10_ 4._4_ 4.568 4.785 5.009 5.25_
44 3.314 _.___ 4.001 4.2_6 4._4_ 4.791 5.040 5.307 5.611
45 3._4_ 3.___ 4.172 4.47_ 4.756 5.026 5.804 5.612 5.967
46 3.__7 4.017 4.___ 4.714 5.019 5.317 5.628 5.974 _.377
47 3.7_9 4.___ 4._2_ 4.9_9 5._2_ 5.6_3 5.995 6.378 _._2_
48 3._3_ 4.440 4._9_ 5.299 5.673 6.034 6.409 6.825 7.312
49 4.10_ 4._73 5.17_ 5.633 6.049 6.447 6.855 7.304 7.829
50 4.2__ 4.9_1 5.48_ 5.993 6.4_0 6.881 7.316 7.794 8.35_
51 4.471 5.1__ 5.___ 6.3_9 6._5_ 7.316 7.780 8.291 _.897
52 4._67 5.449 5.132 6.725 7.250 7.734 8.221 8.762 9.417
53 4._7_ 5.715 _.444 7.___ 7.612 8.113 8._2_ 9.195 9.907
54 _.08_ _.___ _.75_ 7.4_1 7.95_ 8.4_0 8.971 9.5_3 10._1_
55 _._1_ _.___ 7._74 7.7_7 _.___ 8.799 9.321 9.946 10.769
56 _.___ _.___ 7.___ 7.1__ _.___ 9._75 9._2_ 10.4__ 11.38_
57 _.___ 7.___ 7.___ _.___ _.___ 9.___ 10.571 11.077 12.053
[x] [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ------ ------ ------ ------ ------- ------- --------
0 1.163 1.163 1.1_2 1.211 1.269 1.3__ 1.403 15
1 1.163 1.182 1.211 1.269 1.336 1.4__ 1.480 16
2 1.182 1.211 1.269 1.336 1.403 1.4__ 1.__7 17
3 1.211 1.269 1.336 1.403 1.480 1.__7 1.___ 18
4 1.269 1.338 1.403 1.48_ 1.557 1.62_ 1._7_ 19
5 1.336 1.403 1.48_ 1.557 1.625 1.67_ 1.721 20
6 1.403 1.48_ 1.557 1.625 1.673 1.721 1._47 21
7 1.48_ 1.557 1.625 1.673 1.721 1._47 1._9_ 22
8 1.557 1.625 1._73 1.721 1.347 1._9_ 1.421 23
9 1.625 1.673 1.721 1._47 1.393 1.421 1.435 24
10 1.673 1.721 1.347 1.393 1.421 1.43_ 1.439 25
11 1.721 1.347 1.393 1.421 1.435 1.439 1.439 26
12 1.347 1.393 1.421 1.435 1.439 1.439 1.439 27
13 1.393 1.421 1.43_ 1.439 1.439 1.439 1.439 28
14 1.421 1.43_ 1.439 1.439 1.439 1.439 1.439 29
15 1.435 1.439 1.439 1.439 1.439 1.439 1.440 30
16 1.439 1.439 1.4__ 1.439 1.439 1.___ 1.449 31
17 1.439 1.439 1.439 1.439 1.440 1.___ 1.46_ 32
18 1.439 1.439 1.439 1.440 1.449 1.___ 1.472 33
19 1.439 1.439 1.44_ 1.449 1.4_0 1.___ 1.48_ 34
20 1.439 1.44_ 1.449 1.46_ 1.472 1.4__ 1.495 35
21 1.440 1.449 1.4__ 1.472 1.4_4 1.4__ 1._45 36
22 1.4_2 1.474 1.469 1.50_ 1.525 1.54_ 1._02 37
23 1.503 1._21 1._41 1.56_ 1.583 1._02 1._24 38
24 1.538 1.558 1.5_4 1._17 1.655 1._01 1.731 39
25 1.641 1.665 1.69_ 1.732 1.775 1.8_1 1._52 40
26 1.714 1.74_ 1.7__ 1.833 1.8_6 1.94_ 1._74 41
27 1.803 1.845 1.894 1.95_ 2.011 2.077 2.10_ 42
28 1.907 1.957 2.014 2.07_ 2.142 2.211 2._57 43
29 2.018 2.073 2.135 2.20_ 2.2_1 2.___ 2.424 44
30 2.148 2.211 2.2__ 2.___ 2.439 2._2_ 2._0_ 45
31 2.297 2.369 2.447 2._33 2.626 2.72_ 2._18 46
32 2.4_1 2.54_ 2.___ 2.7__ 2.8_5 2.94_ _._5_ 47
33 2.640 2.73_ 2.84_ 2.953 3.075 _.20_ _._1_ 48
34 2.847 2.96_ 3.0_2 _.209 3.342 _.47_ _._20 49
35 3.055 3.184 3.322 3.4__ 3.621 _.7__ _.954 50
36 3._08 3.452 3.6_8 _.774 3.949 4.1__ _._1_ 51
37 _.__2 3.742 3.915 4.102 4.301 4._1_ 4.___ 52
38 3.87_ 4.048 4.2_7 4.44_ 4.673 4.9_1 _.122 53
39 4.177 4._59 4._6_ 4.___ 5.077 _.___ _._12 54
40 4.519 4.71_ 4.___ _._15 5.532 _.___ _.1__ 55
41 4.835 5.07_ 5._4_ _.__1 6.078 _.___ _._8_ 56
42 5.177 5.458 5.79_ _.___ 6.691 7.2__ 7.___ 57
43 5.543 5.884 6.29_ 6.790 7.379 8.___ _._20 58
44 5.9_7 6._9_ 6.8_9 7.47_ 8.149 _.917 9.___ 59
45 _.388 6._90 7.4_2 8.172 8.9_4 9.__1 1_.___ 60
46 6.__7 7.___ 8.1__ _.___ 9.7_7 10.___ 11.9__ 61
47 7.__2 8.005 8.76_ _.659 10.6_3 11._4_ 1_.129 62
48 7._99 8._1_ 9.4_4 10.475 11.6_1 12.__7 1_.471 63
49 8.467 9.249 10.20_ 11.350 12.702 14.___ 1_.98_ 64
50 9.044 9.904 10.969 12.270 13.823 1_.___ 17._4_ 65
51 9.6_4 10.613 11.821 13._14 15.118 17.2__ 19._31 66
52 10.250 11.325 12._9_ 14.412 16.4__ 1_._7_ 21.___ 67
53 10.832 12.041 13.606 15.559 17.9_6 20.___ 2_._20 68
54 11.320 12._66 14.4_5 __._97 19.50_ 2_.___ 2_.7_2 69
55 11.895 13.424 15.44_ __._47 21.2_7 2_.___ _.____ 70
56 12._27 14.331 16.___ 19._0_ 2_.11_ 27.___ 3_.___ 71
57 1_.426 15._23 17.___ 21.111 25.1__ __.___ __.__7 72
58 6.27_ 7.5_7 _.___ 9.2__ 9.___ 10.4_4 11.004 11.___ 12.___
59 _.___ 8.021 _.___ 9.914 10._61 11.131 11.751 12.567 13.738
60 7.___ 8.5_1 9.74_ 10.6_4 11._22 11.918 12.563 13.422 14._72
61 7._31 9.259 10._39 11._15 12.267 13._17 13.616 14.544 15.900
62 8.219 9.970 11.356 12.419 13.24_ 13.9_3 14.733 15.752 17.23_
63 _._6_ 10.7_4 12.265 13.414 14._0_ 15.0_1 15.91_ 17.029 18._49
64 9.57_ 11.6__ 13.302 14.__8 15.48_ 16.305 17.198 18.398 20.165
65 10.350 12.___ 14.400 15.7_1 16.748 17.631 18.603 19.921 21.864
66 11.17_ 13.5__ 15.4__ 16.8_5 18.008 18.994 20.095 21.584 23.764
67 12.0_7 14.4__ 16.45_ 18.001 19.269 20.4_5 21.766 23.515 26.00_
68 13.031 15.___ 17._97 19.09_ 20.59_ 22.0_0 23.709 25.814 28.69_
69 1_._7_ 16.___ 1_.___ 20.__7 22.0__ 23.900 25.96_ 28.51_ 31._50
70 1_.1__ 17.___ 1_.___ __.___ 2_._3_ 25.9_8 28.521 31.595 3_.457
71 __.___ 1_.___ __.___ __.1__ __.___ 28.111 30.941 34.305 3_.52_
72 1_.___ __.___ __.___ __.___ __.___ 30.___ 33.580 37.265 41._7_
73 1_.___ __.___ __._1_ _7.1__ 29.975 33.0__ 3_.420 40.4__ 45.47_
74 2_._92 2_.___ 2_.___ 29.021 3_._07 35.350 38.928 43.134 48.__1
75 21.201 24.___ 27.44_ 30.__4 33.879 37.300 41.081 45.534 51.09_
58 1_.___ 1_.___ __.___ __.___ __.___ __.___ __.___ 73
59 1_._25 17.77_ 20.923 24.957 29.947 35.9__ 4_._8_ 74
60 __._97 19.067 22.528 2_.99_ _2.547 39.2__ 47.___ 75
61 1_.884 20._8_ 24.471 2_.36_ 3_.4_8 42._17 51.45_ 76
62 19.398 22.459 26.599 31.9_5 38.6_0 4_.___ __._2_ 77
63 21.019 24.372 28.908 34.791 42.1_1 50.9__ _1._9_ 78
64 22.7_0 26.435 31.408 37._52 45.8_8 5_.577 67.450 79
65 24.717 28.749 34.19_ 41.23_ 49._99 60.___ 7_.43_ 80
66 26.942 31.411 37.428 4_.199 _4.8_5 6_.__1 80._8_ 81
67 29.5_4 34.510 41.127 49._4_ _0.2_6 72._7_ 87.99_ 82
68 _2.687 38.142 45.375 54._51 _6.1_7 80.___ 9_.227 83
69 36.327 42.31_ _0.177 60.214 72.6_4 87.___ 105._2_ 84
70 40.4_6 47.02_ 55._2_ 6_.___ 7_.7_7 9_.___ 11_.05_ 85
71 _3.988 51.131 __.3_5 72.142 _6.710 1_4.___ 1__.17_ 86
72 _7.8_8 55._21 __.___ 7_.4__ 94.___ 11_.___ 1_7.225 87
73 51.973 60.43_ 71.38_ 85.279 102.4_1 1__.___ 1_0.___ 88
74 _5.189 _4.149 7_.87_ 90.93_ 109.794 132.___ 1_1.___ 89
75 _8.32_ _7.845 _0.301 9_.291 116.29_ 14_.___ 171._3_ 90
17_.734 91
1_7.293 92
197.538 93
213.049 94
22_.850 95
271.382 96
3_7.484 97
543.810 98
826.995 99
MALE NON-SMOKER DISCOVERY ONE
AGE
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7
--- ----- ----- ----- ------ ------ ------ ------ ------
0 _.807 1.692 1.461 1.403 1.346 1.298 1.250 1.211
1 1.692 1.4_1 1.403 1.346 1.298 1.250 1.211 1.182
2 1.461 1.403 1.346 1.298 1.250 1.211 1.182 1.163
3 1.403 1.346 1.298 1.250 1.211 1.182 1.163 1.163
4 1.346 1.298 1.250 1.211 1.182 1.163 1.163 1.182
5 1.298 1.250 1.211 1.182 1.163 1.163 1.182 1.211
6 1.250 1.211 1.182 1.163 1.163 1.182 1.211 1.369
7 1.211 1.182 1.163 1.163 1.182 1.211 1.369 1.336
8 1.182 1.163 1.163 1.182 1.211 1.369 1.336 1.403
9 1.163 1.163 1.182 1.211 1.269 1.336 1.403 1.480
10 1.163 1.182 1.211 1.269 1.336 1.403 1.480 1.557
11 1.182 1.211 1.269 1.336 1.403 1.480 1.557 1.625
12 1.211 1.269 1.336 1.403 1.480 1.557 1.625 1.673
13 1.269 1.336 1.403 1.480 1.557 1.625 1.673 1.721
14 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.510
15 1.403 1.480 1.557 1.625 1.673 1.721 1.510 1.___
16 1.480 1.557 1.425 1.673 1.721 1.510 1.574 1.___
17 1.557 1.625 1.673 1.721 1.510 1.574 1.61_ 1.___
18 1.625 1.673 1.721 1.510 1.576 1.614 1.63_ 1.___
19 1.673 1.721 1.510 1.574 1.___ 1.636 1.___ 1.___
20 1.721 1.510 1.574 1.614 1.___ 1.640 1.___ 1.___
21 1.510 1.574 1.614 1.634 1.___ 1.640 1.___ 1.___
22 1.505 1.569 1.611 1.633 1.662 1.642 1.___ 1.___
23 1.518 1.576 1.615 1.638 1.650 1.656 1.___ 1.___
24 1.525 1.584 1.626 1.654 1.671 1.682 1.690 1.647
25 1.626 1.673 1.706 1.725 1.733 1.739 1.743 1.490
26 1.648 1.696 1.732 1.757 1.773 1.785 1.707 1.749
27 1.690 1.730 1.764 1.792 1.816 1.858 1.861 1.817
28 1.752 1.791 1.826 1.858 1.887 1.917 1.969 1.888
29 1.826 1.8_3 1.900 1.937 1.973 2.011 2.052 1.986
30 1.910 1.9_4 1.997 2.040 2.083 2.127 2.174 2.097
31 1.994 2.053 2.107 2.159 2.210 2.262 2.319 2.230
32 2.080 2.145 2.208 2.270 2.333 2.399 2.469 2.363
33 2.150 2._80 2.309 2.387 2.465 2.547 2.633 2.967
34 2.213 2.317 2.417 2.515 2.612 2.712 2.816 2.726
35 2.288 2.415 2.537 2.655 2.772 2.889 3.010 2.028
36 2.383 2.544 2.697 2.841 2.981 3.116 3.298 3.150
37 2.509 2.699 2.878 3.049 3.212 3.372 3.531 3.495
38 2.659 2.886 3.098 3.297 3.484 3.664 3.840 4.018
39 2.834 3.115 3.369 3.598 3.407 4.000 6.185 4.368
40 3.034 3.362 3.654 3.914 4.166 4.357 4.555 4.750
41 3.177 3.539 3.862 4.149 _._05 6.637 4.857 _.875
42 3.318 3.721 4.078 4.393 4.673 6.929 5.172 _.418
43 3.458 3.892 4.277 4.618 4.923 5.205 5.479 _.762
44 3.598 4.060 4.469 4.833 5.166 5.477 5.795 4.432
45 3.744 4.235 4.671 5.061 5.619 5.764 6.120 4.511
46 3.929 4.454 4.925 5.349 5.742 6.126 6.524 6.965
47 4.116 4.697 5.218 5.687 6.122 6.546 6.986 7.477
48 4.305 4.958 5.543 6.071 6.558 7.028 7.515 8.047
49 4.504 5.236 5.894 6.487 7.032 7.553 8.086 8.663
50 4.706 5.536 6.278 6.941 7.542 8.110 8.681 9.299
51 4.924 5.853 6.678 7.409 8.066 8.680 9.292 9.956
52 5.152 6.185 7.090 7.882 8.584 9.233 9.880 10.588
53 5.391 6._15 7.489 8.328 9.064 9.741 10.420 11.176
54 5.648 6.854 7.887 8.7_5 9._22 10.212 10.906 11.690
55 5.914 7.211 8.302 9.211 9.982 10.682 11.397 12.230
56 _.261 7.670 8.840 9.798 10.600 11.325 12.075 12.967
57 _._55 8.185 9.445 10.458 11.294 12.045 12.829 13.783
[X] [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ------ ------ ------ ------ ------ ------ ------ --------
0 1.___ 1.___ 1.143 1.182 1.211 1.___ 1.330 1.403 15
1 1.___ 1.___ 1.___ 1.211 1.269 1.336 1.403 1.480 16
2 1.___ 1.___ 1.211 1.269 1.336 1.403 1.480 1.557 17
3 1.___ 1.___ 1.269 1.336 1.403 1.480 1.557 1.625 18
4 1.___ 1.___ 1.336 1.403 1.480 1.557 1.625 1.673 19
5 1.___ 1.___ 1.403 1.480 1.557 1.625 1.675 1.721 20
6 1.___ 1.___ 1.___ 1.557 1.625 1.673 1.721 1.510 21
7 1.___ 1.___ 1.559 1.625 1.673 1.721 1.510 1.576 22
8 1.___ 1.___ 1.625 1.673 1._21 1.510 1.574 1.614 23
9 1.721 1.625 1.673 1.721 1.610 1.576 1.61_ 1.634 24
10 1.510 1.693 1.___ 1.510 1.574 1.614 1.634 1.640 25
11 1.576 1.___ 1.___ 1.574 1.616 1.636 1.640 1.640 26
12 1.616 1.___ 1.___ 1.614 1.636 1.640 1.640 1.640 27
13 1.636 1.574 1.616 1.636 1.640 1.640 1.640 1.640 28
14 1.640 1.616 1.634 1.640 1.640 1.640 1.640 1.640 29
15 1.640 1.634 1.640 1.640 1.640 1.640 1.640 1.640 30
16 1.640 1.640 1.640 1.640 1.640 1.640 1.640 1.640 31
17 1.640 1.640 1.640 1.640 1.640 1.640 1.640 1.642 32
18 1.640 1.640 1.640 1.640 1.640 1.640 1.642 1.647 33
19 1.442 1.640 1.640 1.640 1.640 1.642 1.647 1.651 34
20 1.678 1.640 1.640 1.640 1.642 1.647 1.651 1.652 35
21 _.___ 1.640 1.640 1.642 1.647 1.651 1.652 1.705 36
22 _.___ 1.640 1.658 1.670 1.682 1.695 1.705 1.769 37
23 1.767 1.692 1.709 1.728 1.745 1.759 1.769 1.785 38
24 1.833 1.727 1.748 1.77_ 1.806 1.841 1.884 1.909 39
25 1.922 1.782 1.812 1.850 1.896 1.949 2.007 2.051 40
26 _.___ 1.863 1.903 1.953 2.012 2.078 2.150 2.193 41
27 2.149 1.964 2.016 2.078 2.148 2.224 2.305 2.347 42
28 2.291 2.083 2.145 2.216 2.294 2.377 2.462 2.526 43
29 2.454 2.209 2.278 2.357 2.443 2.538 2.640 2.722 44
30 2.632 2.367 2.439 2.525 2.621 2.726 2.83_ 2.941 45
31 2.827 2.334 2.424 2.722 2.829 2.965 3.069 3.191 46
32 3.04_ 2.724 2.828 2.941 3.063 3.196 3.335 3.478 47
33 3.276 2.936 3.056 3.186 3.328 3.480 3._43 3.789 48
34 _.___ 3.1__ 3.322 3.474 3.633 3.799 3.969 4.151 49
35 3.868 3.623 3.586 3.759 3.942 4.133 4.331 4.555 50
36 4.204 3.725 3.906 4.101 4.308 4.527 4.756 4.993 51
37 _.___ 4.058 4.252 4.468 4.702 4.951 5.215 5.439 52
38 _.___ 4.402 4.617 4.854 5.114 5.399 5.708 5.965 53
39 _.___ 4.761 4.988 5.246 5.543 5.885 6.274 6.559 54
40 _.___ 5.1__ 5.615 5.702 6.039 6.435 6.895 7.262 55
41 3.304 5.___ 5.850 6.196 6.611 7.105 7.683 8.235 56
42 5.681 5.979 6.329 6.748 7.254 7.859 8.570 9.339 57
43 6.076 6.457 6.857 7.367 7.980 8.708 9.561 10.489 58
44 6.515 6.969 7.487 8.106 8.828 9.660 10.603 11.737 59
45 6.959 7.487 8.112 8.845 9.696 10.670 11.768 13.068 60
46 7.475 8.077 8.789 9.624 10.590 11.690 12.927 14.347 61
47 8.045 8.718 9.518 10.461 11.555 12.806 14.21_ 15.778 62
48 8.666 9.403 10.287 11.340 12.579 14.012 15.645 17.429 63
49 9.3_2 10.135 11.105 12.279 13.680 15.324 17.218 19.295 64
50 10.015 10.486 11.946 13.256 14.842 16.728 18.92_ 21.340 65
51 10.731 11.482 12.871 14.353 16.171 18.356 20.___ 23.790 66
52 11.427 12.475 13.807 15.488 17.573 20.098 23.___ 26.421 67
53 12.092 13.256 14.754 16.662 19.042 21.937 25.___ 29.459 68
54 12.661 13.928 15.594 17.7_0 20.507 23.899 27.___ 32.626 69
55 13.297 14.718 16.614 19.094 22.249 26.148 30.___ 36.070 70
56 14.133 15.708 17.823 20.597 24.126 28.482 33.___ 39.095 71
57 15.054 16.796 19.154 22.256 25.207 31.085 3_.___ 4_.627 72
MALE NON-SMOKER DISCOVERY ONE
AGE
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 _._07 1.6__ 1.401 1.4__ 1.34_ 1.298 1.250 1.211 1.182 1.1_3 1.16_ 1.132 1.211 1.269 1.336 1.403 15
1 1._92 1.401 1.403 1.346 1.29_ 1.250 1.211 1.182 1.163 1.1_3 1.162 1.211 1.2_9 1.336 1.4__ 1.480 16
2 1.401 1.4__ 1.346 1.298 1.250 1.211 1.182 1.183 1.163 1.182 1.211 1.269 1.33_ 1.403 1.4__ 1.557 17
3 1.403 1.3__ 1.298 1.250 1.211 1.182 1.183 1.1_3 1.182 1.211 1.269 1.336 1.403 1.480 1.__7 1.625 18
4 1.346 1.___ 1.250 1.211 1.182 1.183 1.183 1.182 1.211 1.269 1.338 1.403 1.480 1.557 1.___ 1._75 19
5 1.29_ 1.2__ 1.211 1.182 1.163 1.183 1.182 1.211 1.269 1.336 1.403 1.480 1.557 1.625 1.675 1.721 20
6 1.250 1.211 1.182 1.163 1.163 1.182 1.211 1.269 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.2_8 21
7 1.211 1.162 1.163 1.163 1.182 1.211 1.269 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.2__ 1._03 22
8 1.182 1.163 1.163 1.182 1.211 1.269 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.2_8 1.305 1.325 23
9 1.163 1.163 1.182 1.211 1.269 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.268 1.303 1.325 1.334 24
10 1.163 1.182 1.211 1.269 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.268 1.303 1.325 1.334 1.334 25
11 1.182 1.211 1.269 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.268 1.303 1.325 1.334 1.334 1.334 26
12 1.211 1.2_9 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.2_8 1.303 1.325 1.334 1.334 1.334 1.334 27
13 1.269 1.366 1.403 1.480 1.557 1.625 1.673 1.721 1.268 1.303 1.325 1.334 1.334 1.334 1.334 1.334 28
14 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.268 1.303 1.325 1.334 1.334 1.334 1.334 1.334 1.334 29
15 1.403 1.4_0 1.557 1.625 1.67_ 1.721 1.268 1.303 1.325 1.334 1.334 1.334 1.334 1.334 1.334 1.334 30
16 1.480 1.5_7 1.625 1.673 1.721 1.268 1.303 1.325 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 31
17 1.557 1.___ 1._7_ 1.721 1.263 1.303 1.325 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 32
18 1.62_ 1._7_ 1.721 1.283 1.303 1.325 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.340 33
19 1.673 1.7__ 1.2__ 1.303 1.325 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.340 1.348 34
20 1.721 1.___ 1.___ 1.385 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.340 1.340 1.356 35
21 1.___ 1.___ 1.___ 1.3_4 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.340 1.348 1.___ 1.405 36
22 1.279 1.___ 1.537 1.347 1.350 1.350 1.350 1.350 1.350 1.350 1.355 1.365 1.377 1.390 1.4__ 1.4_0 37
23 1.___ 1.___ 1.354 1.385 1.37_ 1.371 1.371 1.374 1.380 1.389 1.401 1.416 1.431 1.44_ 1.___ 1.468 38
24 1.___ 1.___ 1._7_ 1.390 1.39_ 1.402 1.405 1.410 1.417 1.428 1.443 1.462 1.43_ 1.513 1.___ 1.558 39
25 1.380 1.___ 1._2_ 1.___ 1.442 1.445 1.449 1.455 1.465 1.481 1.502 1.629 1.561 1.597 1.___ 1.__0 40
26 1.415 1.___ 1.___ 1.476 1.48_ 1.493 1.502 1.512 1.527 1.548 1.575 1.6__ 1._47 1.691 1.7__ 1.762 41
27 1.4_2 1.4__ 1._03 1.579 1.533 1.547 1.561 1.579 1.601 1.628 1._62 1.702 1.747 1.796 1.___ 1._71 42
28 1.521 1.5_2 1.562 1.581 1.698 1.616 1.63_ 1.659 1.687 1.720 1.7_0 1.805 1._54 1.907 1.9_2 1.996 43
29 1.587 1._0_ 1.630 1.651 1.673 1.695 1.720 1.748 1.781 1.818 1.861 1.910 1.9_4 2.023 2.057 2.132 44
30 1.662 1.__7 1.712 1.757 1.762 1.789 1.819 1.852 1.889 1.932 1.979 2.033 2.091 2.155 2.274 2.282 45
31 1.739 1.773 1.805 1.835 1.86_ 1.897 1.932 1.970 2.013 2.0_1 2.115 2.174 2.239 2.309 2.395 2.450 46
32 1.819 1.8_7 1.894 1.931 1.969 2.008 2.051 2.097 2.148 2.204 2.2_5 2.331 2.404 2.431 2.___ 2.641 47
33 1.890 1.95_ 1.986 2.033 2.080 2.129 2.180 2.235 2.295 2.359 2.430 2.506 2._89 2.677 2.774 2.647 48
34 1.959 2.023 2.084 2.145 2.202 2.262 2.324 2.390 2.461 2.538 2.621 2.708 2.800 2.894 2.9__ 3.084 49
35 2.03_ 2.116 2.191 2.254 2.335 2.405 2.478 2.553 2.634 2.720 2.813 2.912 3.015 3.122 3.231 3._4_ 50
36 2.108 2.207 2.300 2.388 2.471 2.553 2.634 2.718 2.807 2.903 3.005 3.115 3.230 3.352 3.477 3.59_ 51
37 2.199 2.314 2.421 2.522 2._18 2.711 2.803 2.896 2.993 3.097 3.208 3.3__ 3.45_ 3.592 3.756 3.645 52
38 2._0_ 2.4__ 2.564 2.679 2.787 2.889 2.986 3.088 3.191 3.300 3.418 3.547 3._88 3.842 4.___ 4.134 53
39 2.425 2.5__ 2.733 2.804 2.981 3.0_9 3.191 3.291 3.394 3.504 3._2_ 3.7__ 3.924 4.107 4.315 4.454 54
40 2.350 2.7__ _.___ 3.053 3.181 3.29_ 3.404 3.508 3.615 3.751 3.862 4.013 4.192 4.402 4._45 4.826 55
41 2.___ 2.___ _._7_ 3.2_9 3.__7 3.491 3._0_ 3.718 3.834 3.961 4.10_ 4.278 4.484 4.728 5.01_ 5.269 56
42 2.___ 3.___ _.___ 3.410 3.___ 3.692 3.815 3.936 4.063 4.205 4.370 4.567 4.504 5.085 5.416 5.756 57
43 2.95_ 3.1__ _.___ 3.5__ 3.__1 3.__4 4.018 4.153 4.29_ 4.462 4.654 4.8_2 5.155 5.478 5.5__ 5.240 58
44 _.___ 3.___ _.___ 3.74_ 3.917 4.072 4.223 4.380 4.553 4.751 4.981 5.249 5._5_ 5.905 6.22_ 5.745 59
45 3.190 3.___ _.___ 3.915 4.095 4.2_7 4.43_ 4.609 4.806 5.034 5.299 5._04 5.952 6.343 6.773 7._71 60
46 3.320 3.___ _._79 4.105 4.60_ 4.4_9 4._75 4.875 5.101 5.383 5.667 6.018 6.413 6.__5 7.___ 7.907 61
47 3.4__ 3.7_9 4.___ 4.315 4.534 4.739 4.945 5.166 5.418 5.712 6.05_ 6.456 6.913 7.450 8.___ 8.514 62
48 3.605 3.9_2 4.275 4.547 4.790 5.015 5.240 5.481 5.754 6.076 6.457 6.908 7.432 8.052 8.711 9.424 63
49 3.748 4.142 4.48_ 4.790 5.059 5.3__ 5.550 5.809 6.103 6.453 6.873 7.379 7.960 8.630 9.___ 10.334 64
50 3.892 4.331 4.713 5.046 5._37 5.603 5.861 6.135 6.449 6.826 7.290 7.869 8.547 9.364 10.312 11.523 65
51 4.051 4.5_5 4.956 5.319 5.634 5.918 6.193 6.484 6.820 7.229 7.740 8.377 9.157 10.193 11.1_3 12._85 66
52 4._10 4.74_ 5.202 5.591 5.925 6.223 6.511 6.818 7.179 7.626 8.193 8.9__ 9.793 10.852 12.123 1_._04 67
53 4.___ 4.955 5.439 5.846 6.193 6.602 6.803 7.129 7.520 8.014 8.847 9.452 10.452 11.___ 13.100 14._9_ 68
54 4.5__ 5.105 5._69 6.090 6.445 6.7_3 7.07_ 7.425 7.851 8.399 9.10_ 10.012 11.139 12.506 14.125 15.903 69
55 4.750 5.3_3 5._09 6.341 6.702 7.025 7._48 7.718 8.183 8.789 9.582 10.597 11.__5 13.405 15.2__ 17.191 70
56 4.982 5.601 _.220 6.673 7.043 7.3_3 7.723 8.119 8.825 9.292 10.16_ 11.293 12.897 14.402 16.41_ 18._50 71
57 5.237 5.907 _.561 7.03_ 7.42_ 7.775 8.131 8.554 9.103 9.835 10.803 12.049 13.607 15.500 17.7_9 20.29_ 72
_ _.___ _.___ _.___ _.___ _.___ _.___ _.___ _.___ _.___
_ _.___ _.___ _.___ _.___ _.___ _.___ _.___ _.___ _.___
5 1.298 1.250 1.211 1.182 1.163 1.183 1.182 1.211 1.269
6 1.250 1.211 1.182 1.183 1.163 1.182 1.211 1.2_9 1.336
7 1.211 1.1_2 1.183 1.183 1.182 1.211 1.269 1.336 1.403
8 1.182 1.1__ 1.183 1.182 1.211 1.2_9 1.33_ 1.403 1.480
9 1.1__ 1.1__ 1.1__ 1.211 1.2_9 1.336 1.403 1.480 1.557
10 1.1__ 1.1__ 1.211 1.2__ 1.338 1.403 1.480 1.557 1.625
11 1.1__ 1._11 1.2__ 1.3__ 1.403 1.480 1.557 1.625 1.673
12 1.211 1.2__ 1.___ 1.403 1.480 1.557 1.625 1.673 1.721
13 1.269 1.___ 1.403 1.480 1._57 1.625 1.673 1.721 1.83_
14 1.338 1.403 1.480 1.557 1.625 1.673 1.721 1.836 1.915
15 1.403 1.480 1._57 1.625 1._73 1.721 1.836 1.915 1.962
16 1.480 1.557 1.625 1.673 1.721 1.836 1.915 1.962 1.982
17 1.557 1.625 1.673 1.721 1.838 1.915 1.962 1.982 1.982
18 1.625 1.673 1.721 1.836 1.915 1.962 1.982 1.982 1.982
19 1.675 1.721 1.83_ 1.915 1.962 1.982 1.982 1.982 1.982
20 1.721 1.856 1.915 1.982 1.982 1.982 1.982 1.982 1.982
21 1.836 1.915 1.962 1.982 1.982 1.982 1.982 1.982 1.982
22 1.825 1.904 1.953 1.976 1.980 1.980 1.980 1.980 1.980
23 1.836 1.906 1.951 1.975 1.985 1.987 1.988 1.995 2.011
24 1.838 1.910 1.959 1.989 2.005 2.014 2.021 2.032 2.051
25 1.854 1.913 1.958 1.986 2.008 2.022 2.038 2.061 2.093
26 1.890 1.___ 1.998 2.034 2.062 2.087 2.113 2.147 2.191
27 1.949 2.___ 2.040 2.087 2.125 2.162 2.204 2.253 2.313
28 2.031 2.___ 2.131 2.177 2.___ 2.270 2.324 2.387 2.462
29 2.12_ 2.___ 2.231 2.2_4 2.___ 2.399 2.465 2.540 2._27
30 2.245 2.___ 2.___ 2.4__ 2.490 2.580 2._38 2.726 2.827
31 2.378 2.___ _.___ 2.607 2.883 2.784 2.853 2.953 3.067
32 2.516 2.___ _._9_ 2.732 2.374 2.973 3.080 3.199 3.331
33 2.837 2.___ _.___ 2.970 3.084 3.204 3.332 3.471 3._24
34 2.750 2.896 3.039 3.179 3.320 3.485 3.618 3.783 3.962
35 2.880 2.084 3.240 3.412 3.5_1 3.751 3.928 4.115 4.315
36 2.987 3.217 3.43_ 3._33 3._3_ 4.029 4.226 4.430 4._47
37 3.137 3.403 3.853 3.890 4.115 4.333 4.550 4.772 5.004
38 3.318 3.661 3.922 4.191 4.443 4.681 4.913 5.145 5.384
39 3.531 3.913 4.255 4.559 4.832 5.081 5.314 5.542 5.775
40 3.77_ 4.215 4.801 4.938 5.233 5.498 5.738 5.970 6.208
41 3.998 4.487 4.913 5.281 5.599 5.878 6.130 6.371 6.615
42 4.218 4.788 5.239 5.640 5.980 6.275 6.540 6.792 7.049
43 4.43_ 5.032 5.542 5.972 8.337 6.652 6.938 7.213 7.496
44 4.652 5.291 5.834 6.293 6.682 7.024 7.341 7.657 7.988
45 4.877 5.587 6.137 6.626 7.043 7.414 7.762 8.111 8.481
46 5.089 5.810 6.430 6.959 7.418 7.830 8.222 8.618 9.039
47 5.298 6.085 6.766 7.349 7.855 8.312 8.746 9.184 9.648
48 5.497 6.378 7.131 7.783 8.34_ 8.855 9.532 9.807 10.304
49 5.704 6.671 7._1_ 8.239 8._71 9.432 9.954 10.465 10.993
50 5.903 6.962 7.919 8.723 9.418 10.028 10.584 11.124 11.677
51 6.103 7.2__ _._11 9.191 9.948 10.608 11.209 11.786 12.377
52 6.309 7.596 _.704 9.849 10.456 11.180 11.798 12.414 13.048
53 6.521 7.892 9.0__ 10.082 10.910 11.650 12.328 12.990 13.681
54 6.747 8.185 9.___ 10.442 11.323 12.098 12.818 13.534 14.293
55 6.976 8.466 9.7_4 10.838 11.747 12.553 13.312 14.083 14.915
56 7.249 8._27 10.154 11.259 12.195 13.027 13.820 14.641 15.541
57 7.558 9.212 10.592 11.755 12._98 13.556 14.384 15.253 1_.222
_ _.___ _.___ _.___ _.___ _.___ _.___ _.___ __
_ _.___ _.___ _.___ _.___ _.___ _.___ _.___ __
5 _.___ 1.403 1.480 1.557 1.625 1.87_ 1.721 20
6 _._03 1.480 1.557 1.625 1.673 1.721 1.836 21
7 1.480 1.557 1.625 1.673 1.721 1.___ 1.915 22
8 1.557 1.625 1.673 1.721 1.836 1.___ 1.962 23
9 1.625 1.673 1.721 1._36 1.915 1.___ 1.982 24
10 1.673 1.721 1.836 1.915 1.9_2 1.___ 1.982 25
11 1.721 1.83_ 1.915 1.9_2 1.982 1.___ 1.982 26
12 1.836 1.915 1.962 1.982 1.982 1.___ 1.982 27
13 1.915 1.962 1.982 1.982 1.982 1.___ 1.982 28
14 1.962 1.982 1.982 1.982 1.982 1.___ 1.982 29
15 1.982 1.982 1.982 1.982 1.982 1.___ 1.982 30
16 1.982 1.982 1.982 1.982 1.982 1.982 1.982 31
17 1.982 1.982 1.982 1.982 1.982 1.982 2.003 32
18 1.982 1.982 1.982 1.982 1.982 2.003 2.031 33
19 1.982 1.982 1.982 1.982 2.003 2.031 2.061 34
20 1.982 1.982 1.982 2.003 2.031 2.061 2.093 35
21 1.982 1.982 2.003 2.031 2.061 2.093 2.167 36
22 1.983 2.006 2.038 2.077 2.120 2.167 2.171 37
23 2.036 2.071 2.113 2.159 2.206 2.254 2.318 38
24 2.080 2.121 2.174 2.239 2.317 2.40_ 2.488 39
25 2.139 2.198 2.273 2.360 2.460 2.570 2.676 40
26 2.250 2.324 2.415 2.521 2.642 2.776 2._84 41
27 2.389 2.480 2.588 2.712 2.850 3.001 3.110 42
28 2.553 2.660 2.783 2.920 3.070 3.230 3.378 43
29 2.728 2.84_ 2.931 3.134 3.305 3.493 3.872 44
30 2.943 3.075 3.225 3.394 3.582 3.780 4.008 45
31 3.197 3.344 3.509 3._92 3.894 4.114 4.351 46
32 3.478 3.841 3.823 4.023 4.243 4.4__ 4.744 47
33 3.791 3.976 4.180 4.404 4.648 4.912 5.169 48
34 4.158 4.371 4._01 4.845 5.100 5.363 5.883 49
35 4.534 4.770 5.024 _.29_ 5.575 5.__9 6.211 50
36 4.881 5.134 5.407 5.698 8.005 6.325 6._6_ 51
37 5.252 5.519 5.808 6.113 6.448 6.793 7.09_ 52
38 5.638 5.913 6.213 6.541 6.898 7.285 7.805 53
39 6.023 6.297 6.608 _.963 7.370 7.833 8.160 54
40 6.457 6.739 7.085 7.447 7.894 8.413 8.808 55
41 6.876 7.172 7.519 7.929 8.414 8.980 9.487 56
42 7.328 7.645 8.018 8.457 8.978 9.585 10.203 57
43 7.805 8.155 3.582 9.038 9.587 10.221 10.557 58
44 8.351 8.754 9.202 9.897 10.239 10.827 11.496 59
45 8.884 9.326 9.809 10.328 10.882 11.4__ 12.103 60
46 9.495 9.993 10.5_1 11.104 11.706 12.334 12.987 61
47 10.150 10._98 11.289 11.920 12.584 13.277 1_.950 62
48 10.841 11.427 12.0__ 12.7_2 13.506 14.298 15.045 63
49 11.581 12.185 12.877 13.841 14.479 15.___ 16.256 64
50 12.275 12.940 13.690 14.538 15.487 16.539 17.548 65
51 13.015 13.732 14.549 15.484 16.545 17.735 18.905 66
52 13.738 14.520 15.420 1_.457 17.642 18.981 20.294 67
53 14.441 15.305 16.302 17.452 18.788 20.249 21.732 68
54 15.137 16.099 17.206 1_.47_ 19.920 21._4_ 23.12_ 69
55 15.849 16.919 18.147 19.551 21.139 22.___ 24.571 70
56 16.565 17.744 19.101 20.847 22.392 24.339 2_.243 71
57 17.338 1_.833 20.127 21._3_ 23.756 25._9_ 2_.104 72
__ _.___ _.___ _.___ _.___ _.___ _.___ _.___ _.___
59 _.___ _.___ _.___ 7.917 _.___ 8.719 9.095 9.550
60 _.___ 7.___ _.___ _.___ _.___ 9.262 9.646 10.127
61 _.___ 7.___ _.___ 9.0__ 9.517 9.930 10.349 10.869
62 6.993 8.1__ _.___ 9.664 10.191 10.637 11.092 11.664
63 7._87 8.__7 _.___ 10.380 10.917 11.389 11.878 12.506
64 8.021 9.336 10._62 11.130 11.715 12.214 12.751 13.464
65 _.___ 10.034 11.139 11.961 12.582 13.116 13.701 14.490
66 9.220 10.729 11.899 12.776 13.449 14.042 14.704 15.604
67 9.880 11.399 12.808 13.552 14.316 15.022 15.820 16.886
68 10.592 12.062 13.295 14.327 15.229 16.108 17.107 18.399
69 11.360 12.749 14.005 15.148 16.229 17.336 18.592 20.163
70 12.183 13.452 14.722 15.996 17.299 18.636 20.256 22.160
71 13.002 14.392 15.777 17.161 18.572 20.073 21.780 23.869
72 13.890 15.415 16.923 18.425 19.951 21.574 23.429 25.718
73 14.842 16.508 1_.151 19.777 21.422 23.174 25.187 27.693
74 15.755 77.559 1_.__9 21.068 22.837 24.637 26.724 29.333
75 __.___ 1_.5__ __.___ __.1_8 23.971 25.867 28.048 30.810
__ __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___ __
59 10.161 11.__6 12.159 13.635 1_.___ 18.049 20.94_ __.___ 74
60 10.785 11.__0 12.897 14.6_9 1_._75 19.595 22.35_ 2_._4_ 75
61 11.594 12.627 14.068 16.002 1_._01 21._10 2_._5_ __.7__ 76
62 12.470 13.630 15.258 17.454 20.296 23.845 28.124 __.1__ 77
63 13.405 14.711 16.554 19.046 22.278 26.313 31.182 3_.___ 78
64 14.501 16.007 18.115 20.935 24.650 29.011 34.34_ 40.79_ 79
65 15.646 17.329 19.684 22.833 2_.___ 31.850 37.607 45._05 80
66 16.922 18.835 21.511 25.092 29.___ 35.369 42.179 50.246 81
67 18.412 20.595 23.625 27.666 32.853 39.281 46.998 5_.052 82
68 20.185 22.677 26.090 30.619 36.428 43.635 52.30_ 62.41_ 83
69 22.252 25.090 28.917 33.961 40.422 48.447 58.121 69.70_ 84
70 24.602 27.826 32.103 37.697 4_.84_ 53.736 64.475 77._72 85
71 26.573 30.176 34.98_ 41.313 49.420 59.522 71.739 87.008 86
72 28.713 32.739 38.149 45.292 54.474 65.935 79._12 97.171 87
73 31.003 35.490 41._58 49.600 59.966 72.9_5 88.63_ 109._70 88
74 32.822 37.631 44.248 53.159 64.609 79.549 97.385 120._42 89
75 34.553 39.769 46.995 56.768 69.573 85.790 105.637 130.915 90
13_.377 91
141.967 92
149.564 93
161.11_ 94
17_._74 95
__4.72_ 96
_7_.__4 97
___.725 98
_2_.782 99
__ __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___
__ 10.1__ 13.048 15.440 17.380 18.994 20.440 21.900 23.554 25.573
__ 10.708 13.829 16.381 18.4_9 20.138 21.651 23.174 24.905 27.034
__ 11.474 14.817 17.548 19.748 21.558 23.165 24.778 26.614 28.879
__ 12.307 15.814 18.898 21.032 22.968 24.694 26.429 28.403 30.838
__ 13.203 16.913 19.962 22.425 24.463 26.284 28.126 30.235 32.851
__ 14.176 18.170 21.408 23.991 26.109 27.995 29.917 32.148 34.947
__ 15.231 19.473 22.89_ 25.606 27.824 29.808 31.850 34.244 37.268
__ 16.329 20.711 24.268 27.1_4 29.494 31.651 33.898 36.541 39.869
__ 17.506 21.___ 25.452 28.477 31.100 33.574 36.178 39.205 42.940
__ 18.757 22.___ 26.502 29.746 32.744 35.690 38.815 42.368 46.611
__ 20.08_ 2_.___ 27.545 31.865 34.539 38.085 41.858 46.047 50.874
__ 21.475 24.___ __.541 32.__4 36.428 40.894 45.236 50.168 55.654
__ 22._2_ 2_.___ 30.422 34.543 38.888 43.464 48.337 53.622 59.501
__ 24.265 2_.___ 32.412 38.___ 41.508 46.421 51.651 57.322 63.825
__ 25.784 3_.___ 34.___ 39.283 44.256 49.524 55.129 61.202 67.947
__ 27.117 3_.___ 36.559 41.375 46.532 52.137 57.951 64.207 71.134
__ 28.197 3_.___ 37.745 42.925 4_._53 54.043 60.061 66.553 73.760
__ __.___ __.___ __.___ __.___ __.___ __.___ __.___ __
__ __.___ __.___ __.___ __.___ __.___ __.___ __.___ __
__ __.726 33.116 37.302 42.349 48.294 55.151 62.574 75
__ 31.759 35.402 39.923 45.398 51.872 59.664 67.573 76
__ 33.933 37.857 42.740 46.674 55.713 6_.381 72.961 77
__ 36.190 40.434 45.727 52.165 59.809 68.___ 78.804 78
__ 38.548 43.145 48.885 55.870 64.158 73.772 84.938 79
__ 41.168 46.146 52.356 59.901 68.839 79.1_3 91.156 80
__ 44.141 49.575 56.335 64.543 74.2_7 85.556 98.195 81
__ 47.646 53.556 60.860 69.704 80.183 92.340 103.816 82
__ 51.804 58.195 66.012 75.442 86.621 99.522 113.919 83
__ 56.589 63.460 71.758 81.726 93.556 107.380 123.125 84
__ 61.931 69.288 78.048 8_.520 100.972 115.___ 133.229 85
__ 66.223 74.097 83.484 94.661 107.967 123.___ 142.426 86
__ 70.825 79.252 89.271 101.242 115.462 132.111 152.262 87
__ 75.645 84.647 95.543 10_.115 123.263 141.0_9 16_.693 88
__ 79.059 88.406 99.659 113.305 129.751 149.000 173.296 89
__ 82.028 91.797 103.563 117.825 134.999 155.___ 180.324 90
1__.406 91
192.504 92
201.167 93
214.953 94
228.736 95
271.263 96
___.366 97
543.694 98
___.878 99
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8
--- ----- ------ ------ ------ ------ ------ ------ ------ ------
0 _._07 1.692 1.461 1.403 1.34_ 1.298 1.250 1.211 1.182
1 1.692 1.481 1.403 1.346 1.29_ 1.250 1.211 1.182 1.163
2 1.461 1.403 1.346 1.298 1.250 1.211 1.182 1.163 1.163
3 1.403 1.346 1.29_ 1.250 1.211 1.182 1.163 1.163 1.182
4 1.34_ 1.298 1.250 1.211 1.182 1.163 1.163 1.182 1.211
5 1.298 1.250 1.211 1.182 1.163 1.163 1.182 1.211 1.269
6 1.250 1.211 1.182 1.163 1.163 1.182 1.211 1.269 1.336
7 1.211 1.1_2 1.163 1.163 1.182 1.211 1.269 1.336 1.403
8 1.182 1.1_3 1.163 1.1_2 1.211 1.2_9 1.336 1.403 1.480
9 1.163 1.1_3 1.182 1.211 1.269 1.336 1.403 1.480 1.557
10 1.163 1.1_2 1.211 1.2_9 1.336 1.403 1.480 1.557 1.625
11 1.182 1.211 1.269 1.33_ 1.403 1.480 1.557 1.625 1.673
12 1.211 1.2__ 1.___ 1.403 1.480 1.557 1.625 1.673 1.721
13 1.289 1.___ 1.___ 1.4__ 1._57 1.625 1.673 1.721 2.019
14 1.___ 1.___ 1.___ 1.__7 1._2_ 1.673 1.721 2.019 2.122
15 1.40_ 1.___ 1.557 1.___ 1._73 1.721 2.019 2.122 2.185
16 1.480 1.___ 1.6_5 1._7_ 1.721 2.019 2.122 2.185 2.215
17 1._57 1.___ 1._7_ 1.721 2.019 2.122 2.18_ 2.216 2.224
18 1._25 1.___ 1.7__ 2.019 2.122 2.1_5 2.21_ 2.224 2.224
19 1.673 1.721 _____ 2.122 2.185 2.216 2.224 2.224 2.224
20 1.721 2._19 2.1__ 2.1_5 2.21_ 2.224 2.224 2.224 2.224
21 2.019 2.122 2.18_ 2.216 2.224 2.224 2.224 2.224 2.224
22 1.99_ 2.099 2.165 2.199 2.211 2.211 2.211 2.211 2.22_
23 1.999 2.092 2.153 2.189 2.207 2.215 2.224 2.239 2.264
24 1.992 2.0_7 2.153 2.196 2.222 2.2_8 2.251 2.269 2.295
25 2.133 2.218 2.279 2.319 2.345 2.3_3 2.380 2.403 2.439
26 2.150 2.237 2.304 2.3_4 2.391 2.422 2.454 2.493 2.545
27 2.200 2.274 2.33_ 2.394 2.444 2.493 2.546 2.607 2.682
28 2.28_ 2.355 2.422 2.485 2.54_ 2.609 2.678 2.758 2.854
29 2.382 2.453 2.525 2.597 2.671 2.750 2.836 2.933 3.04_
30 2._03 2.___ 2._6_ 2.752 2._39 2.932 3.034 3.150 3.282
31 2.640 2.7__ 2._51 2.951 3.052 3.160 3.278 3.411 3.562
32 2.780 2.9__ 3.01_ 3.137 3.260 3.391 3.534 3.693 3.869
33 2.___ _.___ 3.18_ 3.3_6 3.48_ 3.647 3.819 4.005 4.210
34 2.99_ _.___ 3.372 3.5_6 3.742 3.935 4.140 4.362 4._0_
35 3.11_ _.___ 3._79 3.802 4.023 4.250 4.486 4.739 5.013
36 3.___ _.___ 3._50 4.121 4.384 4._46 4.913 5.194 5.495
37 3._77 _____ 4.16_ 4.4_2 4.78_ 5.0_8 5.390 5.700 6.028
38 3.729 4.1__ 4.549 4.920 5.269 5.604 5.932 6.264 6.609
39 4.029 4.___ _.___ 5.462 5.849 6.206 6.54_ 6.877 7.220
40 4.381 5.___ _._51 6.035 _.4_2 6.848 7.20_ 7.5_3 7.907
41 4._14 5.299 _.90_ 6.432 _._9_ 7.311 7.695 8.068 8.453
42 4.843 5.___ _.27_ 6.84_ 7._51 7.797 8.211 8.617 9.042
43 5._7_ 5.894 _._11 7.232 7.773 8.259 8.71_ 9.173 9.660
44 5.295 6.174 _.939 7._02 8.815 8.719 9.238 9.775 10.362
45 5.53_ 6.471 7.287 7.997 8.629 9.215 9.795 10.405 11.080
46 5._07 6.804 7._82 8.4_4 9.148 9.799 10.447 11.132 11.890
47 _.077 7.178 8.14_ 9.003 9.771 10.492 11.209 11.965 12.798
48 6.347 7.581 8.671 9.633 10.496 11.300 12.089 12.909 13.804
49 6.__1 8.011 9.236 10.321 11.292 12.189 13.05_ 13.942 14.895
50 6.915 8.47_ 9.3_0 11.077 12.157 13.141 14.07_ 15.021 16.027
51 7.177 8.___ 10.427 11.7_3 12.943 14.012 15.021 16.033 17.112
52 7.449 9.___ 11.001 12.443 1_.707 14.844 15.917 16.996 18.157
53 7.731 9.7__ 11.53_ 13.063 14._9_ 15.539 1_.72_ 17.882 19.144
54 _.03_ 10.1__ 12.05_ 13.651 1_.032 16.2_9 17.448 18.6_0 20.002
55 _.3__ 10.___ 12._9_ 14.251 1_.___ 16.951 18.18_ 19.487 20.962
56 _.71_ 11.1__ 13.165 14.372 1_._2_ 17.638 1_.92_ 20.302 21.901
57 9.131 11.___ 13._11 15._76 17._7_ 18.415 19.747 21.207 22.932
[X] [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ------ ------ ------ ------ ------ ------ --------
0 1.163 1.163 1.1_2 1.211 1.2_9 1.___ 1.403 15
1 1.163 1.182 1.211 1.269 1.336 1.___ 1.480 16
2 1.182 1.211 1.269 1.33_ 1.403 1.4__ 1._57 17
3 1.211 1.269 1.33_ 1.403 1.480 1._57 1._25 18
4 1.269 1.336 1.40_ 1.480 1.557 1._2_ 1._75 19
5 1.336 1.403 1.480 1.557 1.625 1._7_ 1.721 20
6 1.403 1.480 1.557 1._25 1.673 1.721 2.019 21
7 1.480 1.557 1.625 1._73 1.721 2.019 2.122 22
8 1.557 1._25 1.673 1.721 2.019 2.122 2.1_5 23
9 1.625 1.673 1.721 2.019 2.122 2.1_5 2.21_ 24
10 1.673 1.721 2.019 2.122 2.1_5 2.216 2.224 25
11 1.721 2.019 2.122 2.185 2.216 2.224 2.224 26
12 2.019 2.122 2.1_5 2.216 2.224 2.224 2.224 27
13 2.122 2.185 2.216 2.224 2.224 2.224 2.224 28
14 2.185 2.21_ 2.224 2.224 2.224 2.224 2.224 29
15 2.216 2.224 2.224 2.224 2.224 2.224 2.236 30
16 2.224 2.224 2.224 2.224 2.224 2._3_ 2.264 31
17 2.224 2.224 2.224 2.224 2.2_6 2.__4 2.299 32
18 2.224 2.224 2.224 2.236 2.2_4 2.___ 2._39 33
19 2.224 2.224 2.23_ 2.264 2.299 2.___ 2.382 34
20 2.224 2.23_ 2.2_4 2.299 2.3_9 2.__2 2.425 35
21 2.236 2.264 2.299 2.339 2.382 2.42_ 2._00 36
22 2.247 2.283 2.327 2.360 2.438 2.___ 2._92 37
23 2.301 2.349 2.406 2.467 2.5_0 2.___ 2.778 38
24 2.334 2.3__ 2.4_8 2.54_ 2.653 2.775 2.899 39
25 2.490 2.559 2.646 2.751 2.870 _.00_ 3.135 40
26 2.615 2.705 2.816 2.947 3.096 3.262 3.397 41
27 2.776 2._91 3.027 3.183 3.3_6 3._45 3._84 42
28 2.970 3.107 3.2_4 3.440 3.630 _._33 4.023 43
29 3.177 3.330 3.505 3.703 3.923 4.16_ 4.400 44
30 3.434 3._07 3.804 4.024 4.270 4._39 4.829 45
31 3.734 3.929 4.148 4.391 4.659 4.952 5.273 46
32 4.067 4.287 4.531 4.802 5.098 5.422 5.782 47
33 4.438 4.689 4.967 5.273 5.608 5.972 6.335 48
34 4.873 5.16_ 5.4_2 5._21 6.178 _._51 6.980 49
35 5.313 5._40 5.994 6.374 6.77_ 7.198 7.699 50
36 5.823 6.179 6.566 6.9_1 7.423 7.___ 8.39_ 51
37 6.380 6.76_ 7.178 7.62_ 8.110 _._22 9.081 52
38 6.977 7.377 7._1_ _.29_ 8.82_ 9.400 9.894 53
39 7.588 7.995 8.4_8 _.989 9.598 1_.290 10._04 54
40 8.288 8.71_ 9.210 9.790 10.469 11.25_ 11.880 55
41 8.872 9.350 9.913 10._83 11.37_ 12._0_ 1_.17_ 56
42 9.513 10.057 10.702 11.473 12.390 13.463 14._0_ 57
43 10.206 10._40 11.5_9 12.477 13.521 14.733 1_.022 58
44 11.026 11.786 12._58 1_._53 14.773 1_._2_ 17.508 59
45 11.845 12.719 13.712 14.830 16.073 17.442 19.034 60
46 12.747 13.720 14.517 16.040 17.367 1_._5_ 20.495 61
47 13.737 14.801 15.999 17.334 18.803 20.404 22.102 62
48 14.807 15.947 17.239 1_._9_ 20.311 22.09_ 23.939 63
49 15.960 17.172 18.5_0 20.142 21.927 23.92_ 25.979 64
50 17.150 18.43_ 19.930 21.655 23.630 25.862 2_.160 65
51 18.323 19.727 21.374 2_._0_ 25.538 2_._90 3_.770 66
52 19.474 21._1_ 22.849 2_.013 27.541 30.44_ 33.497 67
53 20.595 22._09 24.354 2_.77_ 29.617 32.___ 3_._22 68
54 21.569 23.455 25.743 2_.505 31.794 3_.641 39.77_ 69
55 22.716 24._48 27.443 30.573 34.269 3_._21 43.13_ 70
56 23.831 2_.194 29.077 32.5_0 __.__1 41.___ 4_.581 71
57 25.046 27._57 30._54 34.707 39.2_4 44.___ 50.45_ 72
58 _____ _.783 1_.14_ 11._33 12.110 12._39 13.70_ 14.717 16.093
59 7.588 9.451 1_.___ 1_.___ 13.040 13.867 14.746 15.858 17.393
60 8.1__ 10.1_7 1_.___ 1_.___ 14.090 14.965 15.___ 17.068 18.712
61 _.791 11.___ 1_.___ 1_.___ 1_._3_ 16.___ __._1_ 18.566 20.349
62 _.__4 11.___ 1_.___ 1_._15 1_._1_ 17._71 1_._79 20.180 22.129
63 10.__1 12.9_9 1_.___ __._1_ 1_.01_ 19.154 20.35_ 21.887 24.021
64 11.___ 14.13_ 1_.___ __.___ 19._72 20.7__ __.066 23.719 26.047
65 1_.___ 15.370 17.___ 1_.__5 21.240 22.54_ 23.943 25.759 28.323
66 1_.___ 16.592 1_.___ __._7_ 22.90_ 24.357 25.941 27.992 30.868
67 14.___ 17.7__ __.___ __._1_ 2_._67 26._91 2_.186 30.593 33.880
68 1_._1_ 1_._91 21.___ __.13_ 2_.31_ 28.450 30.802 33.697 37.501
69 16.947 20.059 2_.___ __._47 2_.25_ 30.916 33.853 37.350 41.760
70 1_.__2 21.241 24.1__ __.___ 3_._34 3_.652 37._04 41.522 46.630
71 1_._09 22.951 2_.1__ 2_.496 32.932 36.570 40._71 45.187 50.768
72 21.365 24._06 2_.___ _1._85 3_.756 39.749 44.137 49.192 55.293
73 23.036 26._00 30.674 34.661 3_.794 43.17_ 47.975 53.501 60.159
74 24.5_3 28.663 32._57 __.167 41.612 46.277 51.34_ 57.132 64.085
75 25.959 30.256 34._92 __._29 43.918 48.842 54.201 60.327 67.703
58 18.006 20.623 24.087 28.515 33.992 40.565 47.962 73
59 19.539 22.467 26.321 31.207 37.193 44.__9 52.546 74
60 21.034 24.232 28.469 3_._73 40.5__ 48.4__ 57._47 75
61 22.875 26.362 30.995 36.920 44.2_2 52.984 63.1__ 76
62 24.888 28.697 33.765 40.255 48.2_1 57.399 69.1__ 77
63 27.043 31.217 36.772 43.___ _2.___ __.228 75.___ 78
64 29.358 3_.936 40.028 47._2_ _7.456 __.937 __.___ 79
65 31.964 3_.9_9 43.660 52.176 __.___ __.235 __.___ 80
66 34.926 40.499 47.873 57.274 __._55 __._94 __.___ 81
67 38.427 44.594 52.699 63._00 75.677 __._25 10_.___ 82
68 42.606 49.402 58.249 69.44_ __.21_ 99._77 118.__1 83
69 47.481 54.936 64.529 76.619 _1.476 109.256 130._60 84
70 53.030 61.177 71.531 84.51_ 100.474 119._95 143.317 85
71 57.750 66.624 77.891 92.010 109.349 130.121 155._9_ 86
72 62.192 72.581 84.844 100.201 119.050 141._23 169._07 87
73 68.458 78.976 92.300 108.975 129.434 153.927 1_5.623 88
74 72.787 83.916 98.186 116.272 138.728 165.884 200.057 89
75 76.947 88.777 103.942 123.150 146.973 175.750 211.925 90
221.189 91
230.639 92
243.4__ 93
262._26 94
282.597 95
335.746 96
455.874 97
642.451 98
961.538 99
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7
--- ------ ------ ------ ------ ------ ------ ----- ------
0 _.__7 1.___ 1.__1 1.403 1.348 1.298 1.250 1.211
1 1.692 1.4_1 1.403 1.346 1.298 1.250 1.211 1.182
2 1.461 1.403 1._46 1.298 1.250 1.211 1.182 1.163
3 1.403 1.34_ 1.298 1.250 1.211 1.182 1.163 1.163
4 1.346 1.298 1.250 1.211 1.182 1.163 1.163 1.182
5 1.298 1.250 1.211 1.182 1.163 1.163 1.182 1.211
6 1.250 1.211 1.182 1.1_3 1.163 1.182 1.211 1.269
7 1.211 1.182 1.163 1.1_3 1.182 1.211 1.269 1.336
8 1.182 1.1_3 1.163 1.182 1.211 1.269 1.336 1.403
9 1.163 1.1_3 1.182 1.211 1.269 1.336 1.403 1.480
10 1.163 1.182 1.211 1.269 1.336 1.403 1.480 1.557
11 1.182 1.211 1.269 1.336 1.403 1.480 1.557 1.625
12 1.211 1.2_9 1.336 1.403 1.480 1.557 1.625 1.673
13 1.269 1.336 1.403 1.4__ 1.557 1.625 1.673 1.721
14 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.400
15 1.403 1.400 1.557 1.625 1.673 1.721 1.400 1.449
16 1.480 1.5_7 1._25 1.673 1.721 1.400 1.449 1.479
17 1.557 1.6__ 1._7_ 1.721 1.400 1.449 1.479 1.492
18 1.625 1.673 1.721 1.400 1.449 1.479 1.492 1.494
19 1.673 1.7_1 1.___ 1.449 1.479 1.492 1.494 1.494
20 1.721 1.___ 1.___ 1.479 1.492 1.494 1.494 1.494
21 1.400 1.___ 1.___ 1.492 1.494 1.494 1.494 1.494
22 1.402 1.4__ 1.___ 1.498 1.502 1.502 1.502 1.502
23 1.420 1.404 1.493 1.509 1.515 1.517 1.518 1.520
24 1.433 1.478 1._09 1.529 1.540 1.546 1.550 1.556
25 1.456 1.4_9 1._11 1.525 1.533 1.___ 1.542 1.549
26 1.489 1.522 1._47 1.5_5 1.577 1.587 1.597 1.611
27 1.537 1.5_5 1._88 1.608 1.62_ 1.643 1.662 1.6_3
28 1.600 1.627 1._52 1.674 1.696 1.719 1.744 1.773
29 1.671 1.698 1.724 1.7_1 1.778 1.807 1.838 1.873
30 1.75_ 1.7_4 1._15 1.846 1.878 1.912 1.949 1.990
31 1.636 1.879 1.919 1.957 1.995 2.034 2.077 2.125
32 1.923 1.971 2.017 2.064 2.111 2.___ 2.213 2.271
33 1.99_ 2.0_9 2.11_ 2.177 2.236 2.297 2.361 2.430
34 2.070 2.150 2.22_ 2.300 2.374 2.449 2.527 2.609
35 2.152 2.251 2.346 2.436 2.525 2.613 2.704 2.798
36 _.___ 2.___ 2.___ 2.57_ 2.680 2.781 2.883 2.989
37 2.324 2.4_7 2.__1 2.727 2.847 2.963 3.078 3.194
38 2.439 2.6__ 2.751 2.906 3.040 3.168 3.293 3.417
39 2.570 2.773 2.___ 3.119 3.2__ 3.401 3.528 3.653
40 2.718 2.9_0 _.___ 3.___ 3.49_ 3.640 3.775 3.906
41 2.853 3.11_ _.___ 3.___ 3.71_ 3.872 4.017 4.157
42 2.99_ 3.2_7 _.___ 3.7__ 3.944 4.112 4.267 4.420
43 3.136 3.4_9 3.720 3.954 4.15_ 4.340 4.510 4.681
44 3.275 _.___ _____ 4.14_ 4.3_4 4.563 4.756 4.955
45 3.419 3.773 _._79 4.345 4._7_ 4.7__ 5.007 5.232
46 3.571 3.9__ _._77 4.565 4._22 5.062 5.302 5.557
47 3.723 4.1_7 _._99 4.81_ 5.100 5.365 5.631 5.915
48 3.375 4.___ 4.739 5.093 5.409 5.703 5.994 6.304
49 4.___ 4.___ 4._91 5.3_5 5.73_ 6.060 6.378 6.712
50 4.___ _.___ _.___ 5.693 6.07_ 6.426 6.765 7.120
51 4.___ 4.999 _.__1 6.029 6.447 6.825 7.188 7.567
52 4._50 5.2__ _._51 6.3_7 6._1_ 7.213 7.597 8.000
53 4.4_1 5.4_4 _.139 6.__5 7.153 7.571 7.975 8.406
54 4.944 5.743 _._21 6.990 7.474 7.908 8.332 8.795
55 5.152 6.034 _.71_ 7.307 7._04 8.250 8.693 9.187
56 5.420 6.339 7.100 7.724 8.245 8.712 9.180 9.712
57 5.71_ 6.711 7._2_ 8.1_7 8.734 9.222 9.717 10.287
[X] [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- ------ ------ ------ ------ ------ ------ ------- --------
0 1.182 1.163 1.163 1.182 1.211 1.269 1.336 _.___ 15
1 1.163 1.163 1.182 1.211 1.269 1.336 1.403 _.___ 16
2 1.163 1.182 1.211 1.269 1.336 1.403 1.480 _.___ 17
3 1.182 1.211 1.269 1.336 1.403 1.480 1.557 _.___ 18
4 1.211 1.269 1.336 1.403 1.480 1.557 1.625 _.___ 19
5 1.269 1.336 1.403 1.480 1.557 1.625 1.673 1.721 20
6 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.400 21
7 1.403 1.480 1.557 1.625 1.67_ 1.721 1.400 1.449 22
8 1.480 1.557 1.625 1.673 1.721 1.400 1.449 1.479 23
9 1.557 1.625 1.673 1.721 1.400 1.449 1.479 1.492 24
10 1.625 1.673 1.721 1.400 1.449 1.479 1.492 1.494 25
11 1.673 1.721 1.400 1.449 1.479 1.492 1.494 1.494 26
12 1.721 1.400 1.449 1.479 1.492 1.494 1.494 1.494 27
13 1.400 1.449 1.479 1.492 1.494 1.494 1.494 1.494 28
14 1.449 1.479 1.492 1.494 1.494 1.494 1.494 1.494 29
15 1.479 1.492 1.494 1.494 1.494 1.494 1.494 1.494 30
16 1.492 1.494 1.494 1.494 1.494 1.494 1.494 1.494 31
17 1.494 1.494 1.494 1.494 1.494 1.494 1.494 1.494 32
18 1.494 1.494 1.494 1.494 1.494 1.494 1.494 1.494 33
19 1.494 1.494 1.494 1.494 1.494 1.494 1.494 1.494 34
20 1.494 1.494 1.494 1.494 1.494 1.494 1.494 1.494 35
21 1.494 1.494 1.494 1.494 1.494 1.494 1.494 1.527 36
22 1.502 1.502 1.502 1.504 1.512 1.519 1.527 1.___ 37
23 1.526 1.535 1.547 1.559 1.571 1.5_1 1.583 1.___ 38
24 1.564 1.576 1.591 1.609 1.632 1.657 1.68_ 1.___ 39
25 1.562 1.581 1.608 1.641 1.681 1.726 1.776 1._11 40
26 1.629 1.655 1.689 1.7_1 1.780 1.854 1.894 1.92_ 41
27 1.711 1.745 1.788 1.837 1.894 1.955 2.022 2.___ 42
28 1.807 1.849 1.899 1.955 2.01_ 2.082 2.151 2.199 43
29 1.913 1.960 2.013 2.074 2.142 2.216 2.296 2._57 44
30 2.037 2.090 2.150 2.216 2.289 2.3_9 2.456 2._33 45
31 2.179 2.239 2.307 2.3_1 2.4_2 2.549 2.643 2.731 46
32 2.334 2.404 2.480 2.564 2.854 2.751 2.856 2.___ 47
33 2.504 2.585 2.675 2.789 2.___ 2.982 3.101 3.200 48
34 2.698 2.794 2.897 3.007 3.121 3.239 3.359 3.482 49
35 2.899 3.007 3.123 3.246 3.375 3.5_9 3.646 3.794 50
36 3.100 3.219 3.347 3.434 3.629 3.780 3.937 4.___ 51
37 3.316 3.445 3.584 3.___ 3.695 4.065 4.244 4.___ 52
38 3.546 3.682 3.829 3.991 4.167 4.369 4.567 4.___ 53
39 3.782 3.919 4.072 4.245 4.444 4.673 4.93_ 5.___ 54
40 4.040 4.184 4.548 4.537 4.760 5.022 5.326 5.___ 55
41 4.302 4.481 4._4_ 4.857 5.112 5.415 5.770 6.___ 56
42 4.579 4.757 4.962 5.207 5.500 5.848 6.257 6.___ 57
43 4.863 5.0_8 5.307 5.590 5.927 6.324 6.786 7.___ 58
44 5.173 5.422 5.708 6.03_ 6.41_ 6.843 7.321 7.___ 59
45 5.482 5.767 6.096 6.47_ 6.900 7.377 7.905 _____ 60
46 5.843 6.172 6._50 6.983 7.472 8.016 8.616 9._77 61
47 6.235 6.604 7.031 7.523 8.082 8.708 9.400 10.135 62
48 6.652 7.056 7.530 8.___ 8.722 9.448 10.26_ 11.121 63
49 7.088 7.526 8.048 8.669 9.399 10.245 11.209 12.___ 64
50 7.520 7.994 8.568 9.2__ 10.102 11.067 12.227 ______ 65
51 7.997 8.511 9.144 9.922 10.___ 11.993 13.30_ 14.___ 66
52 8.462 9.024 9.725 10.597 11.__7 12.961 14.459 15.___ 67
53 8.909 9.530 10.313 11.293 __._01 13.955 15.665 17.___ 68
54 9.347 10.037 10.913 12.015 13.372 15.007 16.930 19.___ 69
55 9.790 10.555 11.535 12.772 14.29_ 16.136 18.29_ 20.___ 70
56 10.370 11.214 12.298 13.667 15.356 17._87 19.77_ ______ 71
57 11.003 11.9_1 13.129 14.646 16.518 18.7__ 21.41_ ______ 72
58 7.9__ 9.652 11.105 12.297 13.296 14.182 15.042 15.954
59 8.2__ 10.144 11.684 12.941 13.982 14.895 15.772 16.701
60 8._81 10.6_1 12.291 13.614 14.705 15.658 16.574 17.552
61 9.247 11.365 13.101 14.502 1_.649 16.646 17.606 18.642
62 9.857 12.076 13.8__ 15.372 16.582 17.637 18.661 19.779
63 10.609 12.855 14.770 16.309 17.567 18.665 19.744 20.946
64 11.214 13.726 16.748 17.345 18.639 19.777 20.925 22.246
65 11.971 14.___ 16.765 18.4_5 19.781 20.973 22.193 23.621
66 12.7__ 15._12 17.72_ 19.4_9 20.902 22.196 23.543 25.133
67 13._10 16.313 18.55_ 20.399 21.985 23.472 25.042 26.879
68 14.505 17.0__ 19.304 21.262 23.095 24.873 26.766 28.936
69 15.454 17.81_ 20.057 22.199 24._02 26.446 28.739 31.309
70 16.448 18.560 20.785 23.118 25.56_ 28.146 30.912 33.948
71 17.408 19.672 22.052 24.541 27.147 29.894 32.845 36.103
72 18.430 20.862 23.406 26.069 28.829 31.750 34.895 38.389
73 19.506 22.111 24.824 27.644 30.581 33.678 37.024 40.766
74 20.473 23.231 26.091 29.045 32.099 35.294 38.727 42.570
75 21.291 24.140 27.07_ 30.099 33.212 36.471 39.993 43.978
58 16.985 __.188 19.597 21.235 23.114 25.239 27.612 30.232 73
59 17.761 __.017 20.521 22.310 24.415 26.855 29.___ 32._50 74
60 18.682 __.039 21.682 23.658 __.998 28.721 31._37 35.085 75
61 19.861 21.362 23.189 25.426 __.100 31.232 34._29 36.659 76
62 21.111 22.763 24.820 27.349 30.392 33.974 38.10_ 42._0_ 77
63 22.405 24.242 26.554 29.414 32.872 36.954 41.670 40.675 78
64 23.890 25.980 28.607 31.831 35.679 40.158 45.2_1 51.045 79
65 25.418 27.719 30._22 34.193 36.468 43.451 49.147 5_.611 80
66 27.138 29.704 32.945 36.945 41.752 47.394 5_.87_ 61.074 81
67 29.156 32.030 35.632 40.071 45.423 51.757 59.0_7 67.08_ 82
68 31.549 34.768 38.747 43.627 49.522 56.515 64._51 7_._02 83
69 34.307 37.902 42.274 47.600 54.042 61.726 70.72_ 81.044 84
70 37.384 41.392 46.179 51.968 58.975 67.37_ 77.275 89.623 85
71 39.821 44.202 49.485 55.925 63.766 73.205 84.360 97.981 86
72 42.414 47.206 53.039 60.204 6_.975 79.575 92.134 107._0_ 87
73 45.118 50.351 56.780 64.735 74.523 86.395 100.497 11_.629 88
74 47.076 52.578 59.470 68.171 79.083 92.538 108.734 12_.975 89
75 48.714 54.576 61.999 71.441 83._34 98.060 115.7__ 137.891 90
142.352 91
146._35 92
15_._54 93
163._10 94
17_.752 95
___._98 96
277._62 97
409.602 98
621._59 99
Suggested Reporting Details for Non-Universal Life Products:
(a) Monthly Large Amount New Business Report: At the end of each month the
Company shall send to North American Re a listing of those policies
issued during the month where the total amount of reinsurance to be
ceded to North American Re, including amounts previously ceded,
exceeds $500,000. The listing shall indicate:
i) policy number
ii) full name of insured
iii) date of birth
iv) sex and issue age
v) effective date
vi) underwriting classification
vii) plan
viii) amount issued
ix) amount reinsured
(b) Quarterly Premium Report: At the end of each quarter the Company shall
send North American Re a listing of all reinsured policies issued or
renewing during the past quarter accompanied by the reinsurance
premiums for such policies. The listing should be segregated into
first year issues and renewals and should provide the following
information:
i) thru viii) in (a), above
ix) current reinsured risk amount
x) net reinsurance premium due for each reinsured policy with
the premiums for life and each supplemental benefit
separated
EXHIBIT C
(c) Quarterly Change Report: The Company shall report the details of all
policy terminations and changes on reinsured policies. In addition to
the data indicated in (a), above, the report should provide
information about the nature, the effective date, and the financial
result of the change with respect to the reinsurance.
(d) Quarterly Policy Exhibit Report: A summary of new business,
terminations, changes, death claims and reinstatements during the
quarter and the inforce reinsurance at the end of the quarter.
(e) Quarterly Reserve Report: The Company shall provide North American Re
with a listing of the mean reserves attributable to the reinsured
portion of each policy reinsured.
(f) Annual Inforce Listing: Shortly after the close of the year, the
Company shall furnish the North American Re with a listing of all
inforce reinsured policies, providing items i) thru ix) in (a),
above.
(g) Claims: Shall be reported as incurred on an individual basis.
EXHIBIT C (Continued)
Suggested Reporting Details for Universal Life Products:
(a) Monthly Large Amount New Business Report: At the end of each month the
Company shall send to North American Re a listing of those policies
issued during the month where the total amount of reinsurance to be
ceded to North American Re, including amounts previously ceded,
exceeds $500,000. The listing shall indicate:
i) policy number
ii) full name of insured
iii) date of birth
iv) sex and issue age
v) effective date
vi) underwriting classification
vii) total initial risk amount
viii) initial reinsured risk amount
(b) Quarterly Premium Report: At the end of each quarter the Company shall
send North American Re a listing of all reinsured policies that were
inforce during any part of the quarter accompanied by the reinsurance
premiums for such policies. The listing should be segregated into
first year issues and renewals and should provide the following
information:
i) thru vii) in (a), above
viii) reinsured risk amount at the end of the quarter
ix) total net reinsurance premium due for each reinsured policy
for the quarter
EXHIBIT C (Continued)
AUTOMATIC BINDING LIMITS TO
THE REINSURANCE POOL
LIFE
A. Standard - Table 4 AGE AMOUNT
--- ------
0-70 $1,500,000 Each Pool Member
($4,500,000 Total Automatic
Pool Coverage)
71-75 $750,000 Each Pool Member
($2,250,000 Total Automatic
Pool Coverage)
B. Table 5 - Table 16 AGE AMOUNT
--- ------
0-70 $1,500,000 CNA
$1,500,000 AUL
$750,000 North American
($3,750,000 Total Automatic
Pool Coverage)
71-75 $750,000 Each Pool Member
($2,250,000 Total Automatic
Pool Coverage)
WAIVER OF PREMIUM
DISABILITY
An equal amount to that attaching to the face amount of Life coverage
automatically reinsured. The total WPD that can be reinsured per life
is $3,000,000.
EXHIBIT G
(c) Quarterly Change Report: The Company shall report the details of all
policy terminations and changes, other than fluctuations in the
reinsured risk amount due to changes in the cash value, on reinsured
policies. In addition to the data indicated in (a), above, the report
should provide information about the nature, the effective date, and
the financial result of the change with respect to the reinsurance.
(d) Quarterly Policy Exhibit Report: A summary of new business,
terminations, changes, death claims and reinstatements during the
quarter and the inforce reinsurance at the end of the quarter.
(e) Quarterly Reserve Report: If the Company takes a reserve credit for
reinsurance ceded under this Agreement, the Company shall provide
North American Re with a quarterly listing of the mean reserves
attributable to the reinsured portion of each policy reinsured.
(f) Claims: Claims shall be reported individually as incurred.
EXHIBIT C (Continued)
CORPORATE
RETENTION LIMITS OF
THE CEDING COMPANY
LIFE
AGE AMOUNT
--- ------
0-70 $500,000
71+ $250,000
WAIVER OF PREMIUM
DISABILITY
An amount equal to that attaching to the face amount of Life
coverage retained.
EXHIBIT D
CORPORATE
RETENTION LIMITS OF
THE CEDING COMPANY
LIFE
AGE AMOUNT
--- ------
0 - 70 $500,000
71 - 75 $250,000
76 + 0
NOTE: To avoid ceding minimal amounts of reinsurance, the Ceding
Company shall retain any amount above its retention that does not
exceed $100,000 for ages 0 through 70 or $50,000 for ages 71 and
over.
WAIVER OF PREMIUM
DISABILITY
An amount equal to that attaching to the face amount of Life
coverage retained.
EXHIBIT D
JUMBO RISK
Age Amount
--- ------
0-70 $7,500,000
71-75 $3,750,000
EXHIBIT E
POOL MEMBERS AND APPLICABLE
PERCENTAGES OF PARTICIPATION
COMPANY PERCENTAGES
------- -----------
AMERICAN UNITED LIFE INSURANCE COMPANY 33-1/3
Indianapolis, Indiana
CONTINENTAL ASSURANCE COMPANY 33-1/3
Chicago, Illinois
NORTH AMERICAN REASSURANCE COMPANY 33-1/3
New York, New York
EXHIBIT F
AUTOMATIC BINDING LIMITS TO
THE REINSURANCE POOL
LIFE
A. Standard - Table 4 AGE AMOUNT
--- ------
0-70 $1,125,000 Each Pool Member
($4,500,000 Total Automatic
Pool Coverage)
71-75 $562,500 Each Pool Member
($2,250,000 Total Automatic
Pool Coverage)
B. Table 5 - Table 16 AGE AMOUNT
--- ------
0-70 $1,125,000 AUL
$1,125,000 CNA
$1,125,000 SLD
$750,000 NARe
($4,125,000 Total Automatic
Pool Coverage)
71-75 $562,500 Each Pool Member
($2,250,000 Total Automatic
Pool Coverage)
WAIVER OF PREMIUM
DISABILITY
An equal amount to that attaching to the face amount of Life coverage
automatically reinsured. The total WPD that can be reinsured per life is
$3,000,000.
EXHIBIT G
CONDITIONAL RECEIPT LIABILITY
If the Ceding Company should become liable for a loss as the result of the
issuance of its Conditional Receipt which is in excess of its maximum available
retention for the risk, then the Pool agrees to be liable for such excess,
subject to the amount limits in the following paragraph, provided:
a. that the Conditional Receipt was issued in accordance with the Ceding
Company's normal rules and procedures for its use, and
b. that the risk would qualify for automatic reinsurance under the
provisions of Article II of this Agreement.
The maximum liability of the Pool for any one loss will be $250,000 less the
Ceding Company's maximum available retention on the risk. In the event that a
court of competent jurisdiction should rule against the Ceding Company's Receipt
limit, then the Pool agrees to be liable for an amount not to exceed $1,000,000
reduced by any available retention the Ceding Company has for the risk.
EXHIBIT H
North American Reassurance Company
10 YEAR SELECT
NON-REFUND
REINSURANCE
RATES
DIFFERENTIATED BY SMOKING HABIT
AGE NEAREST BIRTHDAY
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE NEAREST BIRTHDAY
POLICY YEAR
ISSUE -------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- --------
0 5.01 1.40 1.01 0.86 0.76 0.72 0.67 0.65 0.61 0.59 0.58 10
1 0.00 1.01 0.86 0.76 0.72 0.67 0.65 0.61 0.59 0.58 0.58 11
2 0.00 0.86 0.76 0.72 0.67 0.65 0.61 0.59 0.58 0.58 0.60 12
3 0.00 0.76 0.72 0.67 0.65 0.61 0.59 0.58 0.58 0.60 0.67 13
4 0.00 0.72 0.67 0.65 0.61 0.59 0.58 0.58 0.60 0.67 0.75 14
5 0.00 0.67 0.65 0.61 0.59 0.58 0.58 0.60 0.67 0.75 0.87 15
6 0.00 0.65 0.61 0.59 0.58 0.58 0.60 0.67 0.75 0.87 0.98 16
7 0.00 0.61 0.59 0.58 0.58 0.60 0.67 0.75 0.87 0.98 1.10 17
8 0.00 0.59 0.58 0.58 0.60 0.67 0.75 0.87 0.98 1.10 1.13 18
9 0.00 0.58 0.58 0.60 0.67 0.75 0.87 0.98 1.10 1.13 1.16 19
10 0.00 0.58 0.60 0.67 0.75 0.87 0.98 1.10 1.13 1.16 1.19 20
11 0.00 0.60 0.67 0.75 0.87 0.98 1.10 1.13 1.16 1.19 1.22 21
12 0.00 0.67 0.75 0.87 0.98 1.10 1.13 1.16 1.19 1.22 1.21 22
13 0.00 0.75 0.87 0.98 1.10 1.13 1.16 1.19 1.22 1.21 1.21 23
14 0.00 0.87 0.98 1.10 1.13 1.16 1.19 1.22 1.21 1.21 1.20 24
15 0.00 0.98 1.10 1.13 1.16 1.19 1.22 1.21 1.21 1.20 1.19 25
16 0.00 1.10 1.13 1.16 1.19 1.22 1.21 1.21 1.20 1.19 1.18 26
17 0.00 1.13 1.16 1.19 1.22 1.21 1.21 1.20 1.19 1.18 1.17 27
18 0.00 1.09 1.13 1.16 1.18 1.18 1.17 1.17 1.17 1.17 1.15 28
19 0.00 1.06 1.10 1.13 1.14 1.14 1.13 1.14 1.14 1.15 1.14 29
NRN-5923-3
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE NEAREST BIRTHDAY
POLICY YEAR
ISSUE -------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- --------
20 0.00 0.63 0.66 0.67 0.67 0.67 0.67 0.67 0.68 0.69 0.68 30
21 0.00 0.61 0.64 0.65 0.65 0.65 0.65 0.66 0.67 0.68 0.67 31
22 0.00 0.59 0.62 0.63 0.63 0.62 0.63 0.64 0.65 0.67 0.69 32
23 0.00 0.59 0.61 0.63 0.62 0.62 0.63 0.65 0.67 0.69 0.71 33
24 0.00 0.58 0.61 0.62 0.62 0.62 0.64 0.66 0.68 0.71 0.73 34
25 0.00 0.57 0.61 0.62 0.62 0.63 0.64 0.67 0.70 0.73 0.75 35
26 0.00 0.56 0.60 0.61 0.62 0.63 0.65 0.68 0.71 0.75 0.78 36
27 0.00 0.55 0.60 0.60 0.61 0.63 0.66 0.69 0.73 0.78 0.86 37
28 0.00 0.59 0.63 0.64 0.66 0.68 0.71 0.75 0.80 0.86 0.96 38
29 0.00 0.62 0.67 0.69 0.71 0.74 0.76 0.82 0.89 0.96 1.06 39
30 0.00 0.66 0.70 0.73 0.75 0.79 0.83 0.90 0.98 1.06 1.17 40
31 0.00 0.71 0.74 0.77 0.81 0.86 0.91 0.99 1.08 1.17 1.29 41
32 0.00 0.74 0.78 0.83 0.87 0.93 0.99 1.08 1.19 1.29 1.41 42
33 0.00 0.77 0.83 0.88 0.93 1.00 1.07 1.18 1.28 1.41 1.54 43
34 0.00 0.80 0.87 0.94 1.00 1.08 1.17 1.27 1.40 1.54 1.69 44
35 0.00 0.84 0.92 1.00 1.08 1.17 1.26 1.38 1.52 1.69 1.83 45
36 0.00 0.87 0.98 1.07 1.16 1.25 1.37 1.50 1.66 1.83 2.01 46
37 0.00 0.91 1.04 1.14 1.24 1.36 1.49 1.64 1.80 2.01 2.23 47
38 0.00 1.02 1.15 1.27 1.38 1.52 1.67 1.82 2.01 2.23 2.48 48
39 0.00 1.13 1.27 1.41 1.53 1.70 1.86 2.04 2.24 2.48 2.74 49
40 0.00 1.25 1.41 1.57 1.70 1.89 2.07 2.27 2.50 2.74 3.04 50
41 0.00 1.38 1.57 1.74 1.87 2.11 2.30 2.52 2.77 3.04 3.36 51
42 0.00 1.53 1.72 1.93 2.07 2.33 2.55 2.79 3.07 3.36 3.66 52
43 0.00 1.64 1.86 2.09 2.25 2.53 2.78 3.05 3.33 3.66 3.97 53
44 0.00 1.74 2.01 2.25 2.45 2.74 3.03 3.32 3.63 3.97 4.31 54
NRN-5923-4 NON-SMOKER RATES
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE NEAREST BIRTHDAY
POLICY YEAR
ISSUE ------------------------------------------------------------------------------------ ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- --------
45 0.00 1.87 2.17 2.44 2.67 2.98 3.30 3.62 3.94 4.31 4.69 55
46 0.00 2.00 2.34 2.64 2.90 3.23 3.60 3.94 4.27 4.69 5.15 56
47 0.00 2.15 2.54 2.86 3.16 3.51 3.92 4.30 4.66 5.11 5.70 57
48 0.00 2.33 2.75 3.11 3.42 3.84 4.32 4.73 5.13 5.64 6.31 58
49 0.00 2.53 2.99 3.37 3.69 4.20 4.75 5.21 5.64 6.21 6.97 59
50 0.00 2.73 3.25 3.67 4.01 4.61 5.23 5.73 6.20 6.84 7.68 60
51 0.00 2.97 3.53 3.98 4.34 5.03 5.74 6.29 6.81 7.53 8.47 61
52 0.00 3.22 3.84 4.33 4.70 5.50 6.31 6.91 7.49 8.28 9.22 62
53 0.00 3.46 4.16 4.70 5.11 5.91 6.77 7.41 8.04 8.92 10.05 63
54 0.00 3.71 4.51 5.12 5.55 6.36 7.28 7.96 8.63 9.62 10.96 64
55 0.00 4.00 4.88 5.57 6.02 6.85 7.84 8.56 9.29 10.39 11.95 65
56 0.00 4.30 5.29 6.06 6.54 7.38 8.44 9.20 10.01 11.22 13.01 66
57 0.00 4.64 5.74 6.59 7.11 7.97 9.09 9.91 10.79 12.12 14.23 67
58 0.00 5.07 6.29 7.28 7.84 8.66 9.77 10.68 11.70 13.19 15.54 68
59 0.00 5.54 6.89 8.04 8.64 9.43 10.51 11.52 12.71 14.36 16.98 69
60 0.00 6.06 7.55 8.86 9.53 10.26 11.32 12.44 13.80 15.63 18.55 70
61 0.00 6.62 8.25 9.76 10.48 11.17 12.19 13.44 14.99 17.01 20.26 71
62 0.00 7.22 9.03 10.74 11.52 12.16 13.15 14.52 16.29 18.52 21.81 72
63 0.00 8.09 9.97 11.69 12.66 13.42 14.50 15.90 17.85 20.35 23.49 73
64 0.00 9.05 10.98 12.74 13.91 14.78 15.97 17.40 19.54 22.34 25.33 74
65 0.00 10.08 12.09 13.89 15.28 16.28 17.58 19.03 21.39 24.53 27.33 75
66 0.00 11.21 13.30 15.12 16.76 17.89 19.33 20.81 23.41 26.90 29.52 76
67 0.00 12.45 14.62 16.47 18.38 19.67 21.23 22.75 25.61 29.49 31.76 77
68 0.00 13.27 15.66 17.77 19.85 21.26 22.93 24.60 27.59 31.76 34.25 78
69 0.00 14.16 16.79 19.18 21.44 22.99 24.79 26.62 29.73 34.25 36.96 79
NRN-5923-5 NON-SMOKER RATES
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE NEAREST BIRTHDAY
POLICY YEAR
ISSUE -------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- --------
20 0.00 1.44 1.51 1.55 1.58 1.56 1.56 1.58 1.60 1.63 1.75 30
21 0.00 1.38 1.45 1.49 1.49 1.48 1.49 1.51 1.55 1.60 1.80 31
22 0.00 1.29 1.39 1.43 1.41 1.40 1.41 1.45 1.50 1.56 1.85 32
23 0.00 1.27 1.38 1.41 1.41 1.41 1.43 1.48 1.54 1.63 1.91 33
24 0.00 1.25 1.35 1.40 1.40 1.41 1.45 1.51 1.60 1.69 1.97 34
25 0.00 1.22 1.34 1.38 1.39 1.41 1.47 1.54 1.66 1.76 2.05 35
26 0.00 1.19 1.32 1.35 1.39 1.42 1.49 1.59 1.72 1.84 2.13 36
27 0.00 1.16 1.31 1.33 1.38 1.43 1.51 1.63 1.79 1.92 2.29 37
28 0.00 1.23 1.38 1.43 1.47 1.54 1.65 1.79 1.95 2.12 2.47 38
29 0.00 1.30 1.45 1.52 1.59 1.67 1.79 1.95 2.15 2.34 2.67 39
30 0.00 1.39 1.53 1.63 1.70 1.82 1.94 2.13 2.35 2.57 2.88 40
31 0.00 1.48 1.63 1.74 1.84 1.97 2.11 2.33 2.58 2.82 3.11 41
32 0.00 1.58 1.72 1.88 1.97 2.14 2.29 2.55 2.82 3.11 3.39 42
33 0.00 1.64 1.82 2.00 2.12 2.31 2.49 2.76 3.06 3.37 3.71 43
34 0.00 1.70 1.91 2.12 2.28 2.49 2.70 2.99 3.31 3.66 4.05 44
35 0.00 1.76 2.03 2.26 2.46 2.69 2.94 3.24 3.59 3.98 4.42 45
36 0.00 1.84 2.14 2.40 2.64 2.90 3.19 3.52 3.89 4.33 4.83 46
37 0.00 1.91 2.28 2.57 2.85 3.14 3.48 3.81 4.22 4.69 5.27 47
38 0.00 2.11 2.50 2.82 3.11 3.45 3.82 4.19 4.62 5.12 5.75 48
39 0.00 2.32 2.74 3.11 3.39 3.80 4.19 4.60 5.06 5.59 6.28 49
40 0.00 2.55 3.00 3.41 3.71 4.19 4.60 5.05 5.54 6.09 6.86 50
41 0.00 2.80 3.29 3.75 4.05 4.60 5.05 5.53 6.07 6.65 7.48 51
42 0.00 3.08 3.60 4.11 4.43 5.05 5.53 6.07 6.65 7.25 8.11 52
43 0.00 3.26 3.84 4.39 4.76 5.41 5.95 6.51 7.10 7.74 8.78 53
44 0.00 3.44 4.12 4.69 5.12 5.80 6.41 6.99 7.59 8.27 9.52 54
SMOKER RATES
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE NEAREST BIRTHDAY
POLICY YEAR
ISSUE ------------------------------------------------------------------------------------ ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- --------
45 0.00 3.65 4.40 5.03 5.52 6.22 6.90 7.53 8.14 8.86 10.33 55
46 0.00 3.89 4.71 5.40 5.96 6.67 7.43 8.11 8.73 9.49 11.21 56
47 0.00 4.14 5.06 5.80 6.44 7.17 8.01 8.74 9.37 10.20 12.13 57
48 0.00 4.42 5.41 6.18 6.84 7.72 8.67 9.44 10.13 11.04 13.13 58
49 0.00 4.74 5.80 6.63 7.29 8.31 9.40 10.22 10.95 11.95 14.21 59
50 0.00 5.07 6.23 7.10 7.77 8.96 10.17 11.07 11.85 12.96 15.39 60
51 0.00 5.45 6.68 7.61 8.30 9.66 11.04 11.99 12.84 14.05 16.68 61
52 0.00 5.85 7.18 8.17 8.86 10.43 11.96 12.99 13.91 15.24 17.77 62
53 0.00 6.17 7.64 8.73 9.44 10.99 12.59 13.65 14.63 16.08 18.94 63
54 0.00 6.52 8.15 9.33 10.08 11.60 13.27 14.36 15.41 16.99 20.23 64
55 0.00 6.90 8.70 10.00 10.76 12.27 14.01 15.15 16.28 18.00 21.63 65
56 0.00 7.32 9.29 10.71 11.52 13.00 14.82 16.00 17.20 19.08 23.15 66
57 0.00 7.77 9.95 11.50 12.34 13.80 15.70 16.94 18.22 20.27 24.70 67
58 0.00 8.37 10.72 12.50 13.38 14.72 16.53 17.88 19.36 21.59 26.38 68
59 0.00 9.03 11.56 13.58 14.50 15.73 17.44 18.91 20.61 23.03 28.21 69
60 0.00 9.75 12.48 14.76 15.74 16.83 18.43 20.04 21.98 24.60 30.22 70
61 0.00 10.54 13.49 16.05 17.07 18.03 19.51 21.26 23.46 26.30 32.39 71
62 0.00 11.39 14.58 17.46 18.53 19.33 20.69 22.61 25.07 28.17 34.21 72
63 0.00 12.51 15.72 18.57 19.91 20.83 22.27 24.16 26.82 30.36 36.19 73
64 0.00 13.71 16.97 19.78 21.41 22.47 24.00 25.86 28.73 32.74 38.36 74
65 0.00 15.05 18.33 21.11 23.05 24.26 25.90 27.72 30.82 35.35 40.71 75
66 0.00 16.49 19.80 22.54 24.82 26.20 27.96 29.74 33.09 38.18 43.27 76
67 0.00 18.06 21.42 24.12 26.75 28.32 30.21 31.93 35.55 41.27 46.55 77
68 0.00 19.05 22.66 25.65 28.57 30.38 32.50 34.52 38.43 44.59 50.11 78
69 0.00 20.13 24.00 27.32 30.56 32.61 35.00 37.35 41.57 48.23 54.00 79
SMOKER RATES
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM
REINSURANCE FOR EACH 25% OF EXCESS MORTALITY
MALE SUBSTANDARD RISK
AGE NEAREST BIRTHDAY
POLICY YEAR
ISSUE --------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- --------
0 0.17 0.27 0.17 0.13 0.11 0.10 0.08 0.08 0.07 0.06 0.06 10
1 0.00 0.17 0.13 0.11 0.10 0.08 0.08 0.07 0.06 0.06 0.06 11
2 0.00 0.13 0.11 0.10 0.08 0.08 0.07 0.06 0.06 0.06 0.07 12
3 0.00 0.11 0.10 0.08 0.08 0.07 0.06 0.06 0.06 0.07 0.08 13
4 0.00 0.10 0.08 0.08 0.07 0.06 0.06 0.06 0.07 0.08 0.10 14
5 0.00 0.08 0.08 0.07 0.06 0.06 0.06 0.07 0.08 0.10 0.13 15
6 0.00 0.08 0.07 0.06 0.06 0.06 0.07 0.08 0.10 0.13 0.16 16
7 0.00 0.07 0.06 0.06 0.06 0.07 0.08 0.10 0.13 0.16 0.19 17
8 0.00 0.06 0.06 0.06 0.07 0.08 0.10 0.13 0.16 0.19 0.20 18
9 0.00 0.06 0.06 0.07 0.08 0.10 0.13 0.16 0.19 0.20 0.20 19
10 0.00 0.06 0.07 0.08 0.10 0.13 0.16 0.19 0.20 0.20 0.21 20
11 0.00 0.07 0.08 0.10 0.13 0.16 0.19 0.20 0.20 0.21 0.22 21
12 0.00 0.08 0.10 0.13 0.16 0.19 0.20 0.20 0.21 0.22 0.22 22
13 0.00 0.10 0.13 0.16 0.19 0.20 0.20 0.21 0.22 0.22 0.22 23
14 0.00 0.13 0.16 0.19 0.20 0.20 0.21 0.22 0.22 0.22 0.21 24
15 0.00 0.16 0.19 0.20 0.20 0.21 0.22 0.22 0.22 0.21 0.21 25
16 0.00 0.19 0.20 0.20 0.21 0.22 0.22 0.22 0.21 0.21 0.21 26
17 0.00 0.20 0.20 0.21 0.22 0.22 0.22 0.21 0.21 0.21 0.22 27
18 0.00 0.19 0.20 0.20 0.21 0.21 0.21 0.21 0.21 0.21 0.22 28
19 0.00 0.18 0.19 0.20 0.20 0.20 0.20 0.20 0.20 0.20 0.23 29
NRN_5923_10
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM
REINSURANCE FOR EACH 25% OF EXCESS MORTALITY
MALE SUBSTANDARD RISK
AGE NEAREST BIRTHDAY
POLICY YEAR
ISSUE --------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- --------
20 0.00 0.15 0.16 0.16 0.16 0.16 0.16 0.16 0.17 0.17 0.20 30
21 0.00 0.14 0.15 0.15 0.15 0.15 0.15 0.16 0.16 0.17 0.21 31
22 0.00 0.13 0.14 0.14 0.14 0.14 0.14 0.15 0.15 0.16 0.22 32
23 0.00 0.12 0.14 0.14 0.14 0.14 0.14 0.15 0.16 0.17 0.23 33
24 0.00 0.12 0.14 0.14 0.14 0.14 0.15 0.16 0.17 0.18 0.24 34
25 0.00 0.12 0.13 0.14 0.14 0.14 0.15 0.16 0.18 0.19 0.26 35
26 0.00 0.11 0.13 0.14 0.14 0.14 0.15 0.17 0.18 0.20 0.27 36
27 0.00 0.11 0.13 0.13 0.14 0.14 0.16 0.17 0.19 0.21 0.29 37
28 0.00 0.12 0.14 0.14 0.15 0.16 0.17 0.19 0.21 0.24 0.32 38
29 0.00 0.12 0.14 0.15 0.16 0.17 0.19 0.21 0.24 0.28 0.35 39
30 0.00 0.13 0.15 0.16 0.17 0.19 0.21 0.24 0.28 0.31 0.38 40
31 0.00 0.14 0.16 0.18 0.19 0.21 0.23 0.27 0.31 0.34 0.42 41
32 0.00 0.15 0.17 0.19 0.20 0.23 0.26 0.30 0.34 0.38 0.46 42
33 0.00 0.16 0.18 0.20 0.22 0.26 0.29 0.33 0.37 0.42 0.51 43
34 0.00 0.16 0.19 0.22 0.26 0.29 0.32 0.36 0.41 0.47 0.56 44
35 0.00 0.17 0.21 0.24 0.28 0.32 0.35 0.40 0.45 0.51 0.62 45
36 0.00 0.18 0.22 0.27 0.31 0.35 0.39 0.44 0.50 0.57 0.69 46
37 0.00 0.19 0.24 0.29 0.34 0.38 0.43 0.48 0.55 0.62 0.77 47
38 0.00 0.21 0.28 0.33 0.37 0.42 0.48 0.54 0.61 0.68 0.85 48
39 0.00 0.24 0.31 0.36 0.41 0.47 0.53 0.60 0.67 0.75 0.94 49
40 0.00 0.27 0.34 0.40 0.45 0.52 0.59 0.66 0.74 0.84 1.03 50
41 0.00 0.30 0.37 0.44 0.49 0.58 0.65 0.73 0.83 0.92 1.14 51
42 0.00 0.33 0.41 0.49 0.54 0.64 0.72 0.81 0.91 1.01 1.25 52
43 0.00 0.36 0.45 0.53 0.59 0.69 0.79 0.88 0.98 1.09 1.38 53
44 0.00 0.38 0.48 0.57 0.64 0.75 0.86 0.96 1.06 1.10 1.51 54
NRN-59__-11
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM
REINSURANCE FOR EACH 25% OF EXCESS MORTALITY
MALE SUBSTANDARD RISK
AGE NEAREST BIRTHDAY
POLICY YEAR
ISSUE --------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- --------
45 0.00 0.41 0.52 0.62 0.70 0.83 0.94 1.05 1.15 1.29 1.65 55
46 0.00 0.44 0.57 0.68 0.78 0.90 1.02 1.14 1.25 1.39 1.82 56
47 0.00 0.47 0.62 0.73 0.85 0.97 1.11 1.24 1.36 1.51 1.99 57
48 0.00 0.51 0.67 0.80 0.91 1.06 1.22 1.37 1.49 1.66 2.18 58
49 0.00 0.55 0.72 0.87 0.98 1.15 1.35 1.50 1.63 1.83 2.40 59
50 0.00 0.60 0.79 0.94 1.05 1.25 1.48 1.64 1.80 2.00 2.62 60
51 0.00 0.65 0.86 1.01 1.13 1.38 1.61 1.80 1.96 2.19 2.88 61
52 0.00 0.70 0.93 1.10 1.22 1.50 1.77 1.97 2.14 2.40 3.10 62
53 0.00 0.74 0.99 1.18 1.32 1.59 1.88 2.08 2.27 2.56 3.35 63
54 0.00 0.80 1.07 1.28 1.42 1.69 2.00 2.21 2.42 2.73 3.62 64
55 0.00 0.84 1.15 1.39 1.53 1.81 2.13 2.36 2.58 2.92 3.92 65
56 0.00 0.90 1.24 1.50 1.65 1.93 2.26 2.51 2.75 2.13 4.23 66
57 0.00 0.96 1.34 1.62 1.79 2.06 2.42 2.67 2.94 3.36 4.58 67
58 0.00 1.04 1.46 1.79 1.96 2.22 2.57 2.86 3.16 3.61 4.96 68
59 0.00 1.14 1.59 1.97 2.16 2.40 2.74 3.05 3.40 3.90 5.38 69
60 0.00 1.24 1.74 2.17 2.38 2.60 2.92 3.25 3.66 4.21 5.82 70
61 0.00 1.37 1.91 2.39 2.60 2.81 3.12 3.49 3.95 4.55 6.31 71
62 0.00 1.49 2.08 2.63 2.86 3.04 3.34 3.74 4.26 4.93 6.74 72
63 0.00 1.64 2.24 2.79 3.08 3.29 3.61 4.02 4.59 5.33 7.21 73
64 0.00 1.81 2.42 2.98 3.33 3.57 3.91 4.32 4.95 5.78 7.73 74
65 0.00 1.98 2.62 3.1_ 3.58 3.87 4.24 4.65 5.33 6.28 8.29 75
66 0.00 2.17 2.83 3.39 3.87 4.19 4.60 5.01 5.76 6.81 8.89 76
67 0.00 2.39 3.06 3.62 4.18 4.55 4.99 5.41 6.22 7.40 9.57 77
68 0.00 2.59 3.33 3.96 4.57 4.98 5.46 5.93 6.79 8.06 10.30 78
69 0.00 2.82 3.61 4.32 5.00 5.46 5._8 6.50 7.42 8.78 11.11 79
North American Reassurance Company
10 YEAR SELECT
NON-REFUND
REINSURANCE
RATES
DIFFERENTIATED BY SMOKING HABIT
AGE LAST BIRTHDAY
TEN YEAR SELECT NON REFUND YRT REINSURANCE PROGRAM
USE OF THE RATE SCHEDULE
SMOKER/NON-SMOKER DIFFERENTIATION
This schedule contains YRT rates which are differentiated by smoking habit
for issue ages 20-69. These rates are to be used only where the Ceding
Company's gross premiums are differentiated by smoking habit. For
reinsurance generated from plans of insurance where the Ceding Company does
not differentiate its premiums by smoking habit. North American Re's
undifferentiated YRT reinsurance premium schedule should be used.
FEMALE RATES
Ages 0 to 10 Use Rates for Males Same Age
Ages 11 to 14 Use Rates for Males Age 10
Ages 15 to 19 Use Rates for Males 4 Years Younger
Ages 24 & Older
Ages 20 to 23 Use Rates for Males Age 20
SUBSTANDARD RISKS
Multiple table substandard premiums are equal to the sum of the standard
premium (smoker, non-smoker, or undifferentiated) and the appropriate
multiple of the additional premiums for 25% excess mortality shown in the
Substandard table. For example: if a risk is rated Class D, 200%, the
premium per thousand for each age and duration is the standard premium plus
four times the additional substandard premium.
Reinsurance premiums for risks which have been rated on a multiple table
basis shall revert to the standard premium on the later of the twentieth
policy anniversary and attained age 65.
POLICY FEE
For risks ceded on a bordereau basis, there is no policy fee. For risks
ceded on an individual cession basis, the policy fee is $50 in the first
year and $20 in renewal years.
MINIMUM CESSION
The minimum initial amount of reinsurance that may be ceded under this
program is $10,000.
RECAPTURE
Reinsurance ceded under this program will not be eligible for recapture
before the end of the tenth policy anniversary.
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE LAST BIRTHDAY
POLICY YEAR
ISSUE -------------------------------------------------------------------------- ATTAIN
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ------
0 5.01 1.21 0.93 0.81 0.74 0.69 0.66 0.63 0.60 0.59 0.58 10
1 0.00 0.93 0.81 0.74 0.69 0.66 0.63 0.60 0.59 0.58 0.59 11
2 0.00 0.81 0.74 0.69 0.66 0.63 0.60 0.59 0.58 0.59 0.63 12
3 0.00 0.74 0.69 0.66 0.63 0.60 0.59 0.58 0.59 0.63 0.71 13
4 0.00 0.69 0.66 0.63 0.60 0.59 0.58 0.59 0.63 0.71 0.81 14
5 0.00 0.66 0.63 0.60 0.59 0.58 0.59 0.63 0.71 0.81 0.93 15
6 0.00 0.63 0.60 0.59 0.58 0.59 0.63 0.71 0.81 0.93 1.04 16
7 0.00 0.60 0.59 0.58 0.59 0.63 0.71 0.81 0.93 1.04 1.15 17
8 0.00 0.59 0.58 0.59 0.63 0.71 0.81 0.93 1.04 1.15 1.11 18
9 0.00 0.58 0.59 0.63 0.71 0.81 0.93 1.04 1.15 1.11 1.14 19
10 0.00 0.59 0.63 0.71 0.81 0.93 1.04 1.15 1.11 1.14 1.18 20
11 0.00 0.63 0.71 0.81 0.93 1.04 1.15 1.11 1.14 1.18 1.20 21
12 0.00 0.71 0.81 0.93 1.04 1.15 1.11 1.14 1.18 1.20 1.20 22
13 0.00 0.81 0.93 1.04 1.15 1.11 1.14 1.18 1.20 1.20 1.19 23
14 0.00 0.93 1.04 1.15 1.11 1.14 1.18 1.20 1.20 1.19 1.18 24
15 0.00 1.04 1.15 1.11 1.14 1.18 1.20 1.20 1.19 1.18 1.18 25
16 0.00 1.15 1.11 1.14 1.18 1.20 1.20 1.19 1.18 1.18 1.18 26
17 0.00 1.11 1.14 1.18 1.20 1.20 1.19 1.18 1.18 1.18 1.16 27
18 0.00 1.08 1.11 1.14 1.17 1.16 1.15 1.15 1.16 1.16 1.14 28
19 0.00 1.04 1.08 1.11 1.12 1.12 1.11 1.12 1.13 1.14 1.15 29
NRL-5923-3
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE LAST BIRTHDAY
POLICY YEAR
ISSUE ------------------------------------------------------------------------------------ ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- --------
20 0.00 0.62 0.65 0.66 0.66 0.66 0.66 0.67 0.67 0.68 0.68 30
21 0.00 0.60 0.63 0.64 0.64 0.63 0.64 0.65 0.66 0.68 0.68 31
22 0.00 0.59 0.62 0.63 0.63 0.62 0.63 0.64 0.66 0.68 0.70 32
23 0.00 0.58 0.61 0.62 0.62 0.62 0.63 0.65 0.67 0.70 0.72 33
24 0.00 0.57 0.61 0.62 0.62 0.63 0.64 0.66 0.69 0.72 0.74 34
25 0.00 0.57 0.60 0.61 0.62 0.63 0.65 0.67 0.71 0.74 0.76 35
26 0.00 0.56 0.60 0.61 0.62 0.63 0.65 0.68 0.72 0.76 0.82 36
27 0.00 0.57 0.61 0.62 0.64 0.66 0.68 0.72 0.76 0.82 0.91 37
28 0.00 0.60 0.65 0.66 0.68 0.71 0.74 0.78 0.84 0.91 1.01 38
29 0.00 0.64 0.68 0.71 0.73 0.76 0.80 0.86 0.93 1.01 1.12 39
30 0.00 0.68 0.73 0.75 0.78 0.82 0.87 0.94 1.03 1.12 1.23 40
31 0.00 0.73 0.76 0.80 0.84 0.89 0.95 1.03 1.13 1.23 1.35 41
32 0.00 0.76 0.80 0.85 0.90 0.96 1.03 1.13 1.23 1.35 1.47 42
33 0.00 0.79 0.85 0.91 0.97 1.04 1.12 1.23 1.34 1.47 1.61 43
34 0.00 0.82 0.90 0.97 1.04 1.12 1.22 1.32 1.46 1.61 1.75 44
35 0.00 0.85 0.95 1.03 1.12 1.21 1.31 1.44 1.59 1.75 1.92 45
36 0.00 0.89 1.01 1.11 1.20 1.30 1.43 1.57 1.72 1.92 2.12 46
37 0.00 0.96 1.09 1.21 1.31 1.44 1.58 1.72 1.90 2.12 2.35 47
38 0.00 1.07 1.22 1.34 1.46 1.61 1.76 1.93 2.13 2.35 2.61 48
39 0.00 1.19 1.34 1.49 1.62 1.79 1.96 2.16 2.37 2.61 2.89 49
40 0.00 1.31 1.49 1.66 1.78 2.00 2.19 2.39 2.63 2.89 3.19 50
41 0.00 1.45 1.65 1.83 1.97 2.21 2.42 2.66 2.92 3.19 3.51 51
42 0.00 1.58 1.79 2.01 2.16 2.43 2.67 2.92 3.19 3.51 3.81 52
43 0.00 1.69 1.93 2.17 2.35 2.64 2.90 3.19 3.48 3.81 4.14 53
44 0.00 1.80 2.09 2.34 2.56 2.86 3.17 3.47 3.77 4.14 4.50 54
NRL-5923-4 NON-SMOKER
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE LAST BIRTHDAY
POLICY YEAR
ISSUE ------------------------------------------------------------------------------------ ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- --------
45 0.00 1.94 2.25 2.54 2.78 3.11 3.45 3.78 4.11 4.50 4.91 55
46 0.00 2.08 2.44 2.74 3.03 3.37 3.75 4.12 4.46 4.89 5.43 56
47 0.00 2.23 2.64 2.98 3.28 3.68 4.12 4.51 4.88 5.36 6.00 57
48 0.00 2.42 2.87 3.23 3.56 4.02 4.54 4.97 5.38 5.92 6.63 58
49 0.00 2.63 3.12 3.52 3.85 4.40 4.99 5.46 5.92 6.52 7.32 59
50 0.00 2.85 3.39 3.82 4.17 4.81 5.49 6.01 6.51 7.18 8.07 60
51 0.00 3.10 3.68 4.16 4.52 5.26 6.02 6.60 7.14 7.90 8.84 61
52 0.00 3.34 4.00 4.52 4.90 5.70 6.54 7.15 7.75 8.59 9.63 62
53 0.00 3.59 4.33 4.91 5.32 6.13 7.03 7.68 8.33 9.26 10.50 63
54 0.00 3.85 4.68 5.33 5.77 6.60 7.56 8.25 8.96 10.00 11.44 64
55 0.00 4.15 5.09 5.80 6.27 7.11 8.13 8.87 9.64 10.80 12.47 65
56 0.00 4.47 5.51 6.31 6.82 7.66 8.76 9.55 10.39 11.66 13.61 66
57 0.00 4.85 6.01 6.93 7.47 8.31 9.43 10.29 11.24 12.65 14.87 67
58 0.00 5.30 6.59 7.64 8.23 9.04 10.13 11.09 12.19 13.76 16.25 68
59 0.00 5.79 7.21 8.44 9.07 9.84 10.91 11.97 13.24 14.97 17.75 69
60 0.00 6.33 7.89 9.30 9.99 10.71 11.75 12.93 14.39 16.31 19.37 70
61 0.00 6.91 8.63 10.23 10.98 11.65 12.66 13.97 15.62 17.75 21.01 71
62 0.00 7.65 9.49 11.21 12.07 12.78 13.82 15.20 17.05 19.41 22.63 72
63 0.00 8.57 10.46 12.21 13.27 14.08 15.22 16.63 18.68 21.32 24.38 73
64 0.00 9.56 11.52 13.30 14.57 15.51 16.76 18.19 20.44 23.41 26.31 74
65 0.00 10.64 12.68 14.49 16.00 17.07 18.43 19.90 22.38 25.70 28.40 75
66 0.00 11.82 13.95 15.78 17.54 18.76 20.26 21.75 24.48 28.17 30.61 76
67 0.00 12.85 15.13 17.11 19.09 20.45 22.07 23.65 26.58 30.61 32.98 77
68 0.00 13.70 16.21 18.45 20.62 22.11 23.84 25.58 28.64 32.98 35.57 78
69 0.00 14.63 17.40 19.92 22.30 23.92 25.78 27.69 30.89 35.57 38.41 79
NTL-5923-5 NON-SMOKER
NORTH AMERICAN REASSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE LAST BIRTHDAY
POLICY YEAR
ISSUE ------------------------------------------------------------------------------------ ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- --------
20 0.00 1.41 1.48 1.52 1.53 1.52 1.52 1.54 1.58 1.62 1.77 30
21 0.00 1.33 1.42 1.46 1.46 1.44 1.45 1.48 1.52 1.59 1.83 31
22 0.00 1.28 1.38 1.42 1.41 1.40 1.42 1.46 1.52 1.60 1.88 32
23 0.00 1.26 1.37 1.40 1.40 1.41 1.44 1.49 1.58 1.66 1.94 33
24 0.00 1.23 1.35 1.39 1.40 1.41 1.46 1.53 1.63 1.72 2.02 34
25 0.00 1.21 1.33 1.37 1.39 1.42 1.48 1.56 1.69 1.80 2.09 35
26 0.00 1.17 1.31 1.34 1.38 1.42 1.50 1.61 1.75 1.88 2.21 36
27 0.00 1.19 1.34 1.38 1.42 1.48 1.58 1.70 1.87 2.03 2.38 37
28 0.00 1.26 1.42 1.47 1.52 1.61 1.71 1.87 2.05 2.23 2.56 38
29 0.00 1.34 1.49 1.58 1.64 1.74 1.86 2.04 2.25 2.46 2.77 39
30 0.00 1.43 1.58 1.69 1.76 1.89 2.03 2.23 2.47 2.70 2.99 40
31 0.00 1.53 1.67 1.81 1.90 2.06 2.19 2.44 2.70 2.96 3.24 41
32 0.00 1.61 1.76 1.93 2.05 2.23 2.38 2.66 2.94 3.23 3.55 42
33 0.00 1.67 1.87 2.06 2.21 2.39 2.59 2.88 3.18 3.52 3.87 43
34 0.00 1.73 1.97 2.18 2.36 2.58 2.81 3.11 3.44 3.82 4.23 44
35 0.00 1.80 2.09 2.33 2.54 2.79 3.07 3.37 3.74 4.15 4.62 45
36 0.00 1.88 2.21 2.49 2.74 3.01 3.33 3.66 4.05 4.50 5.05 46
37 0.00 2.02 2.38 2.70 2.97 3.30 3.64 4.00 4.42 4.90 5.50 47
38 0.00 2.22 2.61 2.96 3.24 3.62 4.00 4.39 4.84 5.34 6.01 48
39 0.00 2.44 2.87 3.26 3.55 3.99 4.39 4.82 5.30 5.83 6.56 49
40 0.00 2.68 3.14 3.57 3.87 4.39 4.82 5.29 5.81 6.36 7.16 50
41 0.00 2.94 3.44 3.92 4.23 4.82 5.28 5.80 6.35 6.94 7.78 51
42 0.00 3.16 3.73 4.24 4.59 5.23 5.74 6.29 6.87 7.49 8.43 52
43 0.00 3.35 3.98 4.54 4.94 5.60 6.17 6.75 7.34 8.00 9.15 53
44 0.00 3.55 4.25 4.86 5.32 6.00 6.65 7.26 7.86 8.56 9.92 54
NRL-5923-7 SMOKER
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE
MALE STANDARD RISK
AGE LAST BIRTHDAY
POLICY YEAR
ISSUE ------------------------------------------------------------------------------------ ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- --------
45 0.00 3.77 4.56 5.21 5.74 6.44 7.16 7.81 8.43 9.18 10.76 55
46 0.00 4.01 4.88 5.59 6.20 6.92 7.72 8.41 9.04 9.84 11.66 56
47 0.00 4.27 5.23 5.99 6.64 7.44 8.34 9.08 9.74 10.61 12.61 57
48 0.00 4.58 5.60 6.41 7.06 8.01 9.03 9.83 10.53 11.49 13.65 58
49 0.00 4.90 6.01 6.86 7.52 8.63 9.78 10.64 11.39 12.44 14.79 59
50 0.00 5.26 6.45 7.35 8.02 9.30 10.59 11.52 12.34 13.49 16.02 60
51 0.00 5.64 6.93 7.89 8.57 10.04 11.49 12.47 13.37 14.63 17.22 61
52 0.00 6.01 7.41 8.44 9.15 10.71 12.27 13.31 14.27 15.65 18.34 62
53 0.00 6.34 7.90 9.02 9.75 11.29 12.92 14.00 15.02 16.53 19.57 63
54 0.00 6.71 8.42 9.66 10.42 11.93 13.63 14.75 15.83 17.48 20.92 64
55 0.00 7.11 8.99 10.34 11.14 12.63 14.41 15.57 16.73 18.53 22.37 65
56 0.00 7.54 9.62 11.10 11.92 13.39 15.25 16.45 17.69 19.66 23.91 66
57 0.00 8.06 10.33 11.99 12.84 14.25 16.11 17.40 18.78 20.92 25.52 67
58 0.00 8.69 11.13 13.02 13.92 15.21 16.98 18.39 19.97 22.29 27.28 68
59 0.00 9.39 12.01 14.15 15.10 16.26 17.92 19.47 21.27 23.79 29.20 69
60 0.00 10.14 12.98 15.39 16.39 17.42 18.95 20.64 22.70 25.44 31.28 70
61 0.00 10.95 14.02 16.74 17.79 18.66 20.08 21.91 24.24 27.22 33.29 71
62 0.00 11.94 15.14 18.01 19.22 20.07 21.46 23.37 25.94 29.24 35.19 72
63 0.00 13.09 16.33 19.16 20.64 21.63 23.12 24.99 27.75 31.52 37.24 73
64 0.00 14.36 17.63 20.43 22.21 23.34 24.93 26.76 29.75 34.01 39.51 74
65 0.00 15.75 19.06 21.82 23.92 25.21 26.91 28.71 31.93 36.74 41.96 75
66 0.00 17.25 20.59 23.31 25.77 27.24 29.05 30.81 34.28 39.69 44.88 76
67 0.00 18.54 22.03 24.87 27.65 29.33 31.33 33.21 36.97 42.90 48.29 77
68 0.00 19.58 23.32 26.46 29.54 31.47 33.73 35.91 39.96 46.37 52.01 78
69 0.00 20.71 24.73 28.20 31.61 33.81 36.33 38.86 43.24 50.16 56.08 79
NRL-5923-8 SMOKER
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM
REINSURANCE FOR EACH 25% OF EXCESS MORTALITY
MALE SUBSTANDARD RISK
AGE LAST BIRTHDAY
POLICY YEAR
ISSUE --------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- --------
0 1.17 0.22 0.15 0.12 0.10 0.09 0.08 0.07 0.07 0.06 0.06 10
1 0.00 0.15 0.12 0.10 0.09 0.08 0.07 0.07 0.06 0.06 0.06 11
2 0.00 0.12 0.10 0.09 0.08 0.07 0.07 0.06 0.06 0.06 0.08 12
3 0.00 0.10 0.09 0.08 0.07 0.07 0.06 0.06 0.06 0.08 0.09 13
4 0.00 0.09 0.08 0.07 0.07 0.06 0.06 0.06 0.08 0.09 0.12 14
5 0.00 0.08 0.07 0.07 0.06 0.06 0.06 0.08 0.09 0.12 0.15 15
6 0.00 0.07 0.07 0.06 0.06 0.06 0.08 0.09 0.12 0.15 0.18 16
7 0.00 0.07 0.06 0.06 0.06 0.08 0.09 0.12 0.15 0.18 0.20 17
8 0.00 0.06 0.06 0.06 0.08 0.09 0.12 0.15 0.18 0.20 0.19 18
9 0.00 0.06 0.06 0.08 0.09 0.12 0.15 0.18 0.20 0.19 0.20 19
10 0.00 0.06 0.08 0.09 0.12 0.15 0.18 0.20 0.19 0.20 0.21 20
11 0.00 0.08 0.09 0.12 0.15 0.18 0.20 0.19 0.20 0.21 0.22 21
12 0.00 0.09 0.12 0.15 0.18 0.20 0.19 0.20 0.21 0.22 0.21 22
13 0.00 0.12 0.15 0.18 0.20 0.19 0.20 0.21 0.22 0.21 0.21 23
14 0.00 0.15 0.18 0.20 0.19 0.20 0.21 0.22 0.21 0.21 0.21 24
15 0.00 0.18 0.20 0.19 0.20 0.21 0.22 0.21 0.21 0.21 0.21 25
16 0.00 0.20 0.19 0.20 0.21 0.22 0.21 0.21 0.21 0.21 0.21 26
17 0.00 0.19 0.20 0.21 0.22 0.21 0.21 0.21 0.21 0.21 0.22 27
18 0.00 0.18 0.19 0.20 0.21 0.20 0.20 0.20 0.20 0.20 0.23 28
19 0.00 0.17 0.18 0.19 0.20 0.19 0.19 0.19 0.20 0.20 0.23 29
NRL-5923-10
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM
REINSURANCE FOR EACH 25% OF EXCESS MORTALITY
MALE SUBSTANDARD RISK
AGE LAST BIRTHDAY
POLICY YEAR
ISSUE --------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- --------
20 0.00 0.14 0.15 0.16 0.16 0.16 0.16 0.16 0.16 0.17 0.21 30
21 0.00 0.13 0.14 0.15 0.15 0.15 0.15 0.15 0.16 0.17 0.21 31
22 0.00 0.13 0.14 0.14 0.14 0.14 0.14 0.15 0.16 0.17 0.22 32
23 0.00 0.12 0.14 0.14 0.14 0.14 0.15 0.15 0.16 0.18 0.23 33
24 0.00 0.12 0.13 0.14 0.14 0.14 0.15 0.16 0.17 0.19 0.24 34
25 0.00 0.12 0.13 0.14 0.14 0.14 0.15 0.16 0.18 0.20 0.26 35
26 0.00 0.11 0.13 0.13 0.14 0.14 0.15 0.17 0.19 0.21 0.28 36
27 0.00 0.11 0.13 0.14 0.14 0.15 0.16 0.18 0.20 0.23 0.30 37
28 0.00 0.12 0.14 0.15 0.15 0.17 0.18 0.20 0.23 0.26 0.33 38
29 0.00 0.13 0.15 0.16 0.17 0.18 0.20 0.22 0.26 0.29 0.36 39
30 0.00 0.14 0.15 0.17 0.18 0.20 0.22 0.26 0.29 0.33 0.40 40
31 0.00 0.14 0.16 0.18 0.20 0.22 0.24 0.28 0.32 0.36 0.44 41
32 0.00 0.15 0.17 0.20 0.21 0.24 0.27 0.31 0.36 0.40 0.48 42
33 0.00 0.16 0.19 0.21 0.24 0.27 0.30 0.35 0.39 0.44 0.54 43
34 0.00 0.17 0.20 0.23 0.27 0.30 0.34 0.38 0.43 0.49 0.59 44
35 0.00 0.18 0.22 0.26 0.29 0.33 0.37 0.42 0.47 0.54 0.65 45
36 0.00 0.19 0.23 0.28 0.32 0.36 0.41 0.46 0.52 0.59 0.72 46
37 0.00 0.20 0.26 0.31 0.35 0.40 0.45 0.51 0.58 0.65 0.81 47
38 0.00 0.22 0.29 0.34 0.39 0.45 0.50 0.57 0.64 0.72 0.89 48
39 0.00 0.26 0.32 0.38 0.43 0.49 0.56 0.63 0.70 0.80 0.99 49
40 0.00 0.29 0.36 0.42 0.47 0.55 0.62 0.69 0.79 0.88 1.08 50
41 0.00 0.32 0.39 0.47 0.52 0.61 0.68 0.77 0.87 0.96 1.19 51
42 0.00 0.34 0.43 0.51 0.56 0.66 0.75 0.85 0.95 1.05 1.32 52
43 0.00 0.37 0.46 0.55 0.62 0.72 0.83 0.92 1.02 1.14 1.44 53
44 0.00 0.40 0.50 0.60 0.67 0.79 0.90 1.00 1.11 1.23 1.58 54
NRL-5923-11
NORTH AMERICAN REASSURANCE
NON REFUND YEARLY RENEWABLE TERM REINSURANCE
ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM
REINSURANCE FOR EACH 25% OF EXCESS MORTALITY
MALE SUBSTANDARD RISK
AGE LAST BIRTHDAY
POLICY YEAR
ISSUE --------------------------------------------------------------------------- ATTAINED
AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE
----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- --------
45 0.00 0.42 0.54 0.65 0.74 0.86 0.98 1.09 1.20 1.34 1.73 55
46 0.00 0.45 0.59 0.70 0.81 0.93 1.07 1.19 1.31 1.45 1.91 56
47 0.00 0.49 0.64 0.77 0.88 1.01 1.17 1.31 1.43 1.58 2.09 57
48 0.00 0.53 0.69 0.83 0.94 1.10 1.29 1.43 1.56 1.73 2.28 58
49 0.00 0.57 0.75 0.90 1.01 1.20 1.41 1.56 1.71 1.91 2.51 59
50 0.00 0.62 0.82 0.97 1.09 1.32 1.54 1.71 1.88 2.09 2.74 60
51 0.00 0.67 0.89 1.05 1.17 1.43 1.69 1.88 2.05 2.30 2.98 61
52 0.00 0.72 0.96 1.14 1.26 1.54 1.83 2.02 2.21 2.48 3.22 62
53 0.00 0.77 1.03 1.23 1.37 1.64 1.94 2.14 2.35 2.64 3.48 63
54 0.00 0.82 1.11 1.33 1.47 1.74 2.06 2.28 2.50 2.83 3.76 64
55 0.00 0.87 1.19 1.44 1.59 1.87 2.19 2.43 2.66 3.02 4.07 65
56 0.00 0.93 1.29 1.56 1.71 1.99 2.35 2.59 2.85 3.23 4.41 66
57 0.00 1.00 1.40 1.70 1.87 2.14 2.50 2.76 3.05 3.48 4.76 67
58 0.00 1.09 1.53 1.88 2.06 2.32 2.65 2.95 3.27 3.75 5.16 68
59 0.00 1.19 1.67 2.07 2.26 2.50 2.83 3.15 3.53 4.05 5.60 69
60 0.00 1.31 1.83 2.27 2.49 2.70 3.02 3.38 3.80 4.39 6.06 70
61 0.00 1.43 1.99 2.51 2.72 2.92 3.22 3.61 4.10 4.73 6.53 71
62 0.00 1.56 2.16 2.71 2.97 3.16 3.47 3.88 4.43 5.13 6.98 72
63 0.00 1.71 2.33 2.89 3.19 3.43 3.75 4.16 4.76 5.56 7.47 73
64 0.00 1.89 2.52 3.07 3.45 3.71 4.07 4.48 5.14 6.03 8.01 74
65 0.00 2.08 2.72 3.27 3.72 4.03 4.42 4.82 5.55 6.54 8.59 75
66 0.00 2.28 2.94 3.50 4.02 4.37 4.78 5.20 5.99 7.10 9.23 76
67 0.00 2.49 3.19 3.78 4.38 4.76 5.22 5.66 6.50 7.72 9.92 77
68 0.00 2.70 3.47 4.13 4.78 5.21 5.71 6.21 7.10 8.42 10.70 78
69 0.00 2.94 3.77 4.52 5.22 5.70 6.25 6.80 7.74 9.17 11.54 79
NRL-5923-12
AMENDMENT NO. I
To the Reinsurance Agreement
Between
LIFE INSURANCE COMPANY OF VIRGINIA
And
NORTH AMERICAN REASSURANCE COMPANY
Except as hereinafter specified, all the terms and conditions of the Reinsurance
Agreement effective the 1st day of June, 1984, amendments and addenda attached
thereto, shall apply, and this Amendment is to be attached to and made a part of
the aforesaid Agreement.
It is mutually agreed that effective the 1st day of April, 1986, Exhibit D,
Corporate Retention Limits of the Ceding Company; Exhibit F, Pool Members and
Applicable Percentages of Participation; and Exhibit G, Automatic Binding Limits
to the Reinsurance Pool; are revised as attached.
IN WITNESS WHEREOF, the Ceding Company and the North American Re have caused
their names to be subscribed and duly attested hereunder by their respective
Authorized Officers.
LIFE INSURANCE COMPANY OF VIRGINIA
By /s/ Illegible 2nd V.P. ____
-------------------, -------------
Authorized Offifcer Title
Attest:
By /s/ Illegible Director Reinsurance Administration
-------------------, -----------------------------------
Authorized Officer Title
Date: March 3, 1986
NORTH AMERICAN REASSURANCE COMPANY
By President
-------------------, -------------
Authorized Officer Title
Attest:
By
-------------------, -------------
Authorized Officer Title
Date:
-1-
Pool Members and Applicable
Percentages of Participation
Company Percentages
------- -----------
AMERICAN UNITED LIFE INSURANCE COMPANY
Indianapolis, Indiana 25
CONTINENTAL ASSURANCE COMPANY
Chicago, Illinois 25
NORTH AMERICAN REASSURANCE COMPANY
New York, New York 25
SECURITY LIFE OF DENVER INSURANCE COMPANY
Denver, Colorado 25
EXHIBIT F
CORPORATE
RETENTION LIMITS OF
THE CEDING COMPANY
LIFE
AGE AMOUNT
--- ------
0 - 70 $500,000
71 - 75 $250,000
76+ 0
NOTE: To avoid ceding minimal amounts of reinsurance, the Ceding
Company shall retain any amount above its retention that does not
exceed $100,000 for ages 0 through 70 or $50,000 for ages 71 and
over.
WAIVER OF PREMIUM
DISABILITY
An amount equal to that attaching to the face amount of Life
coverage retained.
EXHIBIT D
AUTOMATIC BINDING LIMITS TO
THE REINSURANCE POOL
LIFE
A. Standard - Table 4 AGE AMOUNT
----- ------
0-70 $1,125,000 Each Pool Member
($4,500,000 Total Automatic
Pool Coverage)
71-75 $562,500 Each Pool Member
($2,250,000 Total Automatic
Pool Coverage)
B. Table 5 - Table 16 AGE AMOUNT
----- ------
0-70 $1,125,000 AUL
$1,125,000 CNA
$1,125,000 SLD
$750,000 NARe
($4,125,000 Total Automatic
Pool Coverage)
71-75 $562,500 Each Pool Member
($2,250,000 Total Automatic
Pool Coverage)
WAIVER OF PREMIUM
DISABILITY
An equal amount to that attaching to the face amount of Life coverage
automatically reinsured. The total WPD that can be reinsured per life
is $3,000,000.
EXHIBIT G
Memorandum Addendum No. V to the Automatic Reinsurance Agreement effective June
1, 1984 between the Life Insurance Company of Virginia and the North American
Reassurance Company.
Effective June 1, 1989, reinsurance generated on the XPLUS plan, and effective
November 1, 1990, reinsurance generated on the XPLUS 2 plan shall be ceded under
the above referenced Reinsurance Agreement subject to the same terms and
conditions of the Agreement except as provided below:
1. Plan of Reinsurance:
A. Reinsurance of Life risks shall be on the risk premium basis. The risk
amount on the policy reinsured shall be calculated monthly and shall
be equal to the death benefit less the cash value. At the time of
issue, the Ceding Company shall cede to the North American Re the
portion of the initial risk amount in excess of its retention.
Thereafter, the Ceding Company and the North American Re shall keep
the same proportionate shares of the risk amount developed each month.
2. Reinsurance Administration:
A. Reinsurance shall be ceded using a bordereau format in accordance with
the suggested reporting details for Universal Life products as
indicated in Exhibit C of the basic Agreement.
3. Reinsurance Premiums:
A. Life Premiums
i) Until further notice, reinsurance premiums shall be developed as
described in the Exhibit B attached to this Memorandum Addendum.
The North American Re guarantees that premium rates for a given
attained age, rating, and duration shall not exceed the higher of
the rate shown in the attached schedule (Exhibit B) for that age,
rating, and duration or the one year term rate on the appropriate
multiple of the applicable 1980 CSO table at the maximum
statutory valuation rate approved in New York state.
ii) Reinsurance premiums are calendar month premiums payable at the
end of the month in which they become due.
4. Premium Tax Reimbursement:
A. The reinsurance premiums for these plans of insurance have been
calculated to reflect the Ceding Company's premium tax liability.
North American Re shall not make any additional reimbursement for
premium taxes.
5. Percentage of Participation:
A. North American Re's percentage of participation shall be equal to 20%
of 100%.
-_-
6. Automatic Binding Limits:
A. North American Re's share of automatic coverage shall be equal to:
i) Life:
Issue Ages Std.-Table 4 Table 5-Table 16
---------- ------------ ----------------
00-70 $900,000 $600,000
71-75 450,000 450,000
ii) Waiver of Premium: Same as Life
IN WITNESS WHEREOF, the Company and the North American Re have caused
their names to be subscribed and duly attested hereunder by their respective
Authorized Officers.
THE LIFE INSURANCE COMPANY OF VIRGINIA
By /s/ Illegible , __ V. P.
------------------------- --------
Authorized Officer Title
Attest:
By /S/ Illegible , Illegible
------------------------ ---------
Authorized Officer Title
Date: Illegible
NORTH AMERICAN REASSURANCE COMPANY
By /s/ Illegible , Sr. V-President
------------------ ---------------
Authorized Officer Title
Attest:
By /s/ Illegible , assistant Secretary
------------------ -------------------
Authorized Officer Title
Date: april 26, 1991
-_-
MONTHLY RENEWABLE TERM REINSURANCE PREMIUMS
I. Plan: XPLUS
Flexible Insurance Benifit Rider
II. Monthly Reinsurance Risk Premiums: The reinsurance premiums for the above
plan and rider will be calculated according to the following formula:
.08696 [Y(A+BX)], where:
Y = First Year .10
Renewal Years 1.00
A = PREFERRED NONSMOKER .40 per $1,000
STANDARD NONSMOKER .35
PREFERRED SMOKER .45
STANDARD SMOKER .50
B = PREFERRED NONSMOKER 1.35 per $1,000
STANDARD NONSMOKER 1.20
PREFERRED SMOKER 1.30
STANDARD SMOKER 1.05
X = The mortality rates attached to this Exhibit B.
III. Maximum Amount Of Reinsurance On One Life On These Reinsurance Premiums:
$5,000,000. For the excess amount over $5,000,000 rate schedule NRN-5833,
which is attached to the basic agreement, will apply. The nonsmoker rates
in schedule NRN-5833 will be used for both preferred nonsmoker and standard
nonsmokers. The smoker rates will be used for both preferred smoker and
standard smokers. Monthly reinsurance premiums will be developed my
multiplying the annual premiums by the monthly factor .08696.
IV. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
Page 1 of 3
MONTHLY RENEWABLE TERM REINSURANCE PREMIUMS
I. Plan: XPLUS 2
Term Insurance Rider on Primary Insured
Additional Insured Term Rider
II. Monthly Reinsurance Risk Premiums: The reinsurance premiums for the above
plan and riders will be calculated according to the following formula:
.08696 [Y(A+BX)], where:
Y = First Year .10
Renewal Years 1.00
A = PREFERRED NONSMOKER .40 per $1,000
STANDARD NONSMOKER .30
PREFERRED SMOKER .45
STANDARD SMOKER .50
B = PREFERRED NONSMOKER 1.30 per $1,000
STANDARD NONSMOKER 1.15
PREFERRED SMOKER 1.28
STANDARD SMOKER 1.03
X = The mortality rates attached to this Exhibit B.
III. Multiple Table Substandard Reinsurance Risk Premiums: The reinsurance
premiums for substandard risks rated on a multiple mortality table basis
shall be equal to a multiple of the standard rate proportionate to the
mortality classification. Thus the premium for a Class D (200%) risk shall
be equal to twice the standard premium.
IV. Maximum Amount Of Reinsurance On One Life On These Reinsurance Premiums:
$5,000,000. For the excess amount over $5,000,000 rate schedule NRN-5833,
which is attached to the basic agreement, will apply. The nonsmoker rates
in schedule NRN-5833 will be used for both preferred nonsmoker and
standard nonsmokers. The smoker rates will be used for both preferred
smoker and standard smokers. Monthly reinsurance premiums will be developed
my multiplying the annual premiums by the monthly factor .08696.
EXHIBIT B
Page 2 of 3
V. Flat Extra Substandard Reinsurance Premiums:
a) Permanent Flat Extra Premiums are ones assessed for more than 5 years.
North American Re should receive its proportionate share of any such
premiums less the following percentage premium reductions:
First Year 90%
Renewal Years 0
b) Temporary Flat Extra Premiums are ones assessed for 5 years or less.
North American Re should receive its proportionate share of any such
premiums less a 10% reduction in all policy years.
VI. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
Page 3 of 3
1987 MORTALITY ASSUMPTION PER 1000
MPNM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ------ ------ ------ ------ ------ ------ ------ ------
0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319
1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297
2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281
3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282
4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292
5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321
6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415
7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523
8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688
9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846
10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002
11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122
12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198
13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204
14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 0.839
15 0.693 0.830 0.954 1.055 1.124 1.162 0.834 0.792
16 0.840 0.963 1.021 1.078 1.113 0.818 0.788 0.755
17 0.966 1.023 1.048 1.072 0.801 0.770 0.743 0.716
18 0.966 1.011 1.034 0.765 0.762 0.720 0.692 0.667
19 0.924 0.979 0.725 0.715 0.701 0.659 0.635 0.611
20 0.861 0.670 0.675 0.661 0.640 0.588 0.578 0.557
21 0.554 0.610 0.632 0.624 0.605 0.567 0.579 0.572
22 0.484 0.540 0.567 0.556 0.539 0.519 0.514 0.510
23 0.430 0.475 0.503 0.494 0.487 0.465 0.463 0.460
24 0.373 0.412 0.439 0.444 0.435 0.423 0.416 0.421
25 0.332 0.364 0.396 0.400 0.405 0.393 0.395 0.405
26 0.307 0.340 0.365 0.376 0.386 0.387 0.394 0.402
27 0.299 0.321 0.348 0.364 0.380 0.392 0.401 0.414
28 0.298 0.321 0.342 0.364 0.385 0.400 0.414 0.440
29 0.307 0.325 0.348 0.375 0.400 0.419 0.447 0.470
30 0.313 0.336 0.364 0.385 0.414 0.447 0.469 0.507
31 0.316 0.348 0.370 0.400 0.434 0.464 0.500 0.543
32 0.320 0.352 0.382 0.417 0.448 0.489 0.535 0.587
33 0.313 0.352 0.392 0.429 0.474 0.520 0.575 0.629
34 0.299 0.350 0.392 0.441 0.494 0.548 0.605 0.666
35 0.301 0.356 0.411 0.472 0.530 0.591 0.653 0.724
36 0.304 0.376 0.443 0.514 0.583 0.650 0.726 0.805
37 0.321 0.402 0.482 0.565 0.644 0.721 0.805 0.893
38 0.344 0.439 0.535 0.626 0.716 0.801 0.891 0.997
39 0.375 0.489 0.594 0.697 0.794 0.889 0.993 1.115
40 0.412 0.543 0.663 0.779 0.879 0.985 1.109 1.244
41 0.450 0.599 0.740 0.863 0.977 1.100 1.230 1.375
42 0.489 0.659 0.810 0.952 1.086 1.218 1.359 1.518
43 0.528 0.714 0.886 1.048 1.196 1.340 1.491 1.663
44 0.566 0.773 0.969 1.148 1.305 1.463 1.628 1.810
45 0.611 0.841 1.055 1.255 1.427 1.599 1.778 1.980
46 0.660 0.909 1.146 1.371 1.568 1.754 1.956 2.180
47 0.709 0.989 1.252 1.504 1.733 1.946 2.165 2.417
48 0.759 1.077 1.375 1.656 1.934 2.178 2.426 2.715
49 0.814 1.175 1.511 1.838 2.158 2.445 2.741 3.068
50 0.870 1.285 1.667 2.033 2.398 2.741 3.087 3.457
51 0.930 1.407 1.837 2.244 2.655 3.053 3.446 3.842
52 0.999 1.537 2.016 2.471 2.919 3.361 3.783 4.234
53 1.072 1.672 2.207 2.699 3.185 3.640 4.108 4.599
54 1.156 1.820 2.405 2.935 3.440 3.923 4.417 4.948
55 1.249 1.985 2.625 3.182 3.723 4.219 4.730 5.301
56 1.362 2.172 2.866 3.475 4.031 4.538 5.079 5.696
57 1.499 2.389 3.161 3.811 4.375 4.912 5.496 6.154
58 1.658 2.661 3.513 4.206 4.798 5.382 6.008 6.696
59 1.856 2.978 3.916 4.666 5.315 5.949 6.610 7.322
60 2.081 3.330 4.364 5.183 5.914 6.589 7.286 8.030
61 2.339 3.709 4.844 5.753 6.557 7.278 8.020 8.839
62 2.631 4.104 5.339 6.357 7.214 8.000 8.821 9.717
63 2.959 4.562 5.890 6.988 7.885 8.742 9.632 10.623
64 3.330 5.098 6.514 7.651 8.599 9.510 10.473 11.563
65 3.743 5.668 7.178 8.346 9.360 10.345 11.392 12.633
66 4.191 6.233 7.833 9.061 10.182 11.276 12.474 13.860
67 4.690 6.750 8.420 9.792 11.078 12.362 13.733 15.378
68 5.232 7.227 8.961 10.526 12.065 13.600 15.290 17.246
69 5.825 7.709 9.494 11.284 13.116 15.040 17.125 19.506
70 6.466 8.173 10.026 12.033 14.253 16.632 19.243 22.134
71 7.104 8.988 11.012 13.212 15.615 18.214 21.072 24.231
72 7.809 9.871 12.090 14.478 17.106 19.950 23.074 26.519
73 8.564 10.824 13.232 15.838 18.709 21.814 25.214 28.984
74 9.241 11.655 14.238 17.040 20.126 23.456 27.115 31.164
75 9.771 12.316 15.048 18.005 21.254 24.771 28.633 32.891
76 10.210 12.868 15.718 18.799 22.192 25.862 29.877 34.310
77 10.658 13.429 16.397 19.612 23.148 26.961 31.138 35.745
78 11.350 14.295 17.455 20.875 24.624 28.673 33.104 37.989
79 12.368 15.578 19.019 22.732 26.808 31.205 36.015 41.310
80 13.419 16.899 20.620 24.638 29.046 33.798 38.990 44.709
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
-- ------ ------ ------ ------ ------- ------- ------- --------
0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15
1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16
2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17
3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18
4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19
5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20
6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.011 21
7 0.683 0.838 0.996 1.139 1.254 1.306 0.990 0.973 22
8 0.842 0.998 1.138 1.250 1.299 0.973 0.954 0.946 23
9 1.001 1.139 1.248 1.294 0.959 0.939 0.929 0.926 24
10 1.139 1.246 1.291 0.946 0.925 0.915 0.911 0.893 25
11 1.223 1.262 0.914 0.890 0.877 0.871 0.851 0.839 26
12 1.231 0.879 0.854 0.838 0.829 0.807 0.794 0.768 27
13 0.856 0.819 0.801 0.789 0.765 0.748 0.721 0.727 28
14 0.801 0.773 0.759 0.733 0.715 0.687 0.690 0.689 29
15 0.761 0.730 0.709 0.688 0.658 0.660 0.656 0.648 30
16 0.723 0.693 0.664 0.640 0.640 0.635 0.626 0.620 31
17 0.685 0.655 0.629 0.629 0.624 0.614 0.607 0.587 32
18 0.643 0.622 0.587 0.593 0.589 0.588 0.577 0.547 33
19 0.597 0.574 0.549 0.558 0.562 0.566 0.546 0.527 34
20 0.543 0.535 0.508 0.524 0.529 0.529 0.522 0.512 35
21 0.579 0.583 0.562 0.562 0.550 0.539 0.534 0.505 36
22 0.517 0.531 0.525 0.515 0.516 0.521 0.515 0.505 37
23 0.470 0.490 0.487 0.486 0.503 0.509 0.514 0.534 38
24 0.437 0.452 0.465 0.472 0.490 0.512 0.539 0.570 39
25 0.417 0.436 0.460 0.473 0.505 0.547 0.581 0.620 40
26 0.418 0.446 0.468 0.498 0.542 0.594 0.639 0.682 41
27 0.439 0.464 0.495 0.540 0.593 0.652 0.705 0.751 42
28 0.462 0.497 0.537 0.588 0.645 0.712 0.772 0.836 43
29 0.503 0.553 0.599 0.649 0.711 0.781 0.854 0.928 44
30 0.553 0.609 0.659 0.715 0.780 0.862 0.941 1.038 45
31 0.602 0.660 0.716 0.780 0.858 0.947 1.043 1.163 46
32 0.648 0.714 0.779 0.858 0.943 1.049 1.168 1.309 47
33 0.695 0.770 0.849 0.935 1.044 1.176 1.316 1.469 48
34 0.736 0.816 0.907 1.015 1.154 1.312 1.468 1.659 49
35 0.805 0.886 0.996 1.128 1.289 1.465 1.646 1.873 50
36 0.888 0.984 1.114 1.263 1.441 1.642 1.850 2.094 51
37 0.991 1.103 1.246 1.407 1.604 1.832 2.069 2.326 52
38 1.110 1.235 1.384 1.562 1.777 2.032 2.316 2.600 53
39 1.244 1.374 1.538 1.729 1.964 2.257 2.596 2.916 54
40 1.383 1.532 1.706 1.912 2.178 2.512 2.910 3.307 55
41 1.533 1.698 1.890 2.126 2.426 2.805 3.271 3.769 56
42 1.692 1.877 2.102 2.377 2.715 3.148 3.679 4.291 57
43 1.848 2.074 2.340 2.662 3.056 3.540 4.137 4.814 58
44 2.015 2.286 2.605 2.989 3.443 3.988 4.608 5.397 59
45 2.204 2.523 2.908 3.355 3.879 4.456 5.158 6.005 60
46 2.432 2.797 3.241 3.757 4.330 4.995 5.765 6.663 61
47 2.727 3.117 3.616 4.173 4.840 5.587 6.437 7.401 62
48 3.077 3.487 4.006 4.642 5.388 6.226 7.187 8.260 63
49 3.467 3.881 4.456 5.149 5.975 6.927 8.020 9.241 64
50 3.859 4.323 4.935 5.689 6.610 7.688 8.937 10.315 65
51 4.283 4.787 5.458 6.305 7.351 8.604 10.051 11.663 66
52 4.711 5.261 6.031 7.007 8.229 9.692 11.402 13.322 67
53 5.131 5.739 6.620 7.735 9.110 10.760 12.717 15.042 68
54 5.550 6.235 7.262 8.558 10.134 12.028 14.393 17.084 69
55 5.988 6.760 7.931 9.403 11.178 13.383 16.078 19.080 70
56 6.450 7.318 8.654 10.326 12.395 14.892 17.969 21.469 71
57 6.940 7.929 9.424 11.341 13.650 16.441 19.872 23.907 72
58 7.498 8.607 10.309 12.443 15.033 18.163 22.030 26.340 73
59 8.166 9.402 11.304 13.705 16.660 20.282 24.543 29.449 74
60 8.967 10.288 12.374 15.019 18.340 22.283 27.047 32.448 75
61 9.859 11.274 13.590 16.565 20.222 24.732 30.078 36.267 76
62 10.840 12.373 14.920 18.103 22.167 27.130 33.050 39.983 77
63 11.865 13.556 16.314 19.881 24.417 30.017 36.689 44.671 78
64 12.967 14.767 17.839 21.790 26.882 33.176 40.666 49.769 79
65 14.170 16.166 19.543 23.947 29.626 36.661 45.024 55.186 80
66 15.622 17.804 21.551 26.438 32.724 40.501 49.800 60.839 81
67 17.384 19.812 23.969 29.349 36.231 44.765 55.031 67.040 82
68 19.580 22.285 26.891 32.751 40.222 49.483 60.721 73.762 83
69 22.222 25.236 30.316 36.670 44.694 54.638 66.888 81.449 84
70 25.286 28.631 34.245 41.081 49.626 60.251 73.546 89.994 85
71 27.670 31.335 37.565 45.138 54.623 66.417 81.186 99.462 86
72 30.289 34.292 41.285 49.819 60.508 73.824 90.508 111.185 87
73 33.096 37.448 45.298 54.878 66.895 81.866 100.665 124.774 88
74 35.565 40.234 48.763 59.182 72.256 88.556 109.650 136.123 89
75 37.527 42.435 51.539 62.661 76.616 94.528 117.243 145.811 90
76 39.130 44.234 53.700 65.264 80.156 98.903 122.716 152.647 91
77 40.753 46.048 55.884 68.185 83.751 103.379 128.295 159.617 92
78 43.291 48.900 59.548 72.662 89.285 110.232 136.825 168.827 93
79 47.061 53.313 64.927 79.257 97.408 120.283 148.146 182.794 94
80 51.055 57.843 70.471 86.041 105.766 129.659 159.693 197.022 95
1987 MORTALITY ASSUMPTION PER 1000
MNSM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ------ ------ ------ ------ ------ ------ ------ ------
0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319
1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297
2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281
3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282
4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292
5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321
6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415
7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523
8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688
9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846
10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002
11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122
12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198
13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204
14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.213
15 0.693 0.830 0.954 1.055 1.124 1.162 1.204 1.144
16 0.840 0.963 1.021 1.078 1.113 1.181 1.138 1.091
17 0.966 1.023 1.048 1.072 1.157 1.112 1.073 1.034
18 0.966 1.011 1.034 1.105 1.100 1.039 0.999 0.963
19 0.924 0.979 1.047 1.033 1.013 0.952 0.917 0.882
20 0.861 0.967 0.975 0.955 0.924 0.850 0.835 0.805
21 0.800 0.881 0.913 0.902 0.874 0.819 0.836 0.826
22 0.699 0.780 0.819 0.803 0.779 0.749 0.742 0.737
23 0.621 0.686 0.727 0.713 0.703 0.672 0.669 0.664
24 0.538 0.595 0.633 0.641 0.629 0.612 0.601 0.609
25 0.480 0.525 0.572 0.578 0.585 0.568 0.570 0.585
26 0.444 0.490 0.528 0.543 0.557 0.559 0.569 0.581
27 0.432 0.464 0.503 0.525 0.549 0.566 0.579 0.598
28 0.431 0.463 0.494 0.525 0.556 0.577 0.597 0.635
29 0.444 0.469 0.502 0.541 0.577 0.605 0.645 0.680
30 0.452 0.485 0.525 0.557 0.598 0.646 0.677 0.732
31 0.456 0.502 0.535 0.578 0.627 0.671 0.722 0.784
32 0.462 0.508 0.552 0.602 0.648 0.706 0.773 0.847
33 0.452 0.509 0.566 0.619 0.684 0.751 0.830 0.909
34 0.432 0.506 0.566 0.637 0.713 0.791 0.873 0.962
35 0.435 0.515 0.594 0.682 0.766 0.854 0.944 1.046
36 0.438 0.544 0.640 0.742 0.843 0.939 1.049 1.163
37 0.464 0.580 0.697 0.816 0.930 1.042 1.163 1.290
38 0.497 0.634 0.772 0.905 1.034 1.158 1.287 1.440
39 0.541 0.706 0.858 1.007 1.147 1.284 1.434 1.610
40 0.595 0.784 0.957 1.126 1.270 1.423 1.602 1.797
41 0.650 0.865 1.068 1.246 1.412 1.588 1.777 1.986
42 0.706 0.952 1.170 1.374 1.569 1.760 1.964 2.192
43 0.763 1.031 1.280 1.513 1.727 1.935 2.154 2.402
44 0.818 1.116 1.399 1.658 1.885 2.114 2.352 2.615
45 0.883 1.214 1.524 1.813 2.061 2.310 2.568 2.860
46 0.953 1.313 1.655 1.981 2.265 2.534 2.826 3.149
47 1.025 1.428 1.809 2.172 2.503 2.811 3.128 3.491
48 1.097 1.556 1.986 2.392 2.794 3.146 3.504 3.921
49 1.176 1.697 2.182 2.654 3.117 3.531 3.959 4.431
50 1.256 1.856 2.408 2.937 3.463 3.960 4.459 4.993
51 1.343 2.033 2.653 3.241 3.836 4.410 4.977 5.550
52 1.444 2.221 2.912 3.569 4.216 4.855 5.464 6.116
53 1.549 2.416 3.188 3.898 4.600 5.257 5.934 6.644
54 1.670 2.629 3.473 4.239 4.969 5.666 6.380 7.148
55 1.804 2.867 3.792 4.596 5.377 6.094 6.833 7.656
56 1.967 3.137 4.140 5.019 5.823 6.554 7.337 8.227
57 2.165 3.450 4.566 5.505 6.319 7.096 7.939 8.889
58 2.396 3.844 5.074 6.076 6.930 7.774 8.678 9.672
59 2.681 4.302 5.657 6.740 7.677 8.593 9.547 10.576
60 3.005 4.811 6.304 7.487 8.542 9.517 10.524 11.599
61 3.379 5.358 6.996 8.310 9.471 10.513 11.585 12.767
62 3.800 5.928 7.712 9.182 10.421 11.555 12.742 14.035
63 4.274 6.589 8.508 10.094 11.390 12.627 13.913 15.345
64 4.811 7.364 9.409 11.051 12.420 13.737 15.128 16.702
65 5.406 8.187 10.368 12.056 13.520 14.942 16.455 18.248
66 6.053 9.004 11.315 13.089 14.708 16.287 18.018 20.021
67 6.774 9.750 12.162 14.145 16.001 17.857 19.836 22.212
68 7.558 10.439 12.943 15.205 17.427 19.644 22.086 24.910
69 8.414 11.135 13.714 16.299 18.945 21.725 24.737 28.175
70 9.340 11.805 14.482 17.381 20.588 24.024 27.796 31.971
71 10.262 12.982 15.906 19.083 22.555 26.310 30.438 35.000
72 11.279 14.258 17.463 20.912 24.708 28.817 33.330 38.306
73 12.370 15.635 19.113 22.876 27.024 31.509 36.420 41.866
74 13.348 16.835 20.566 24.613 29.071 33.881 39.167 45.015
75 14.114 17.790 21.735 26.008 30.701 35.781 41.359 47.510
76 14.748 18.587 22.704 27.154 32.055 37.357 43.156 49.559
77 15.395 19.397 23.684 28.329 33.436 38.944 44.978 51.632
78 16.394 20.649 25.213 30.153 35.568 41.417 47.817 54.873
79 17.865 22.502 27.472 32.835 38.722 45.074 52.021 59.671
80 19.383 24.410 29.784 35.589 41.955 48.820 56.319 64.579
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
-- ------ ------ ------ ------- ------- ------- ------- --------
0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15
1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16
2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17
3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18
4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19
5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20
6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.224 21
7 0.683 0.838 0.996 1.139 1.254 1.306 1.235 1.178 22
8 0.842 0.998 1.138 1.250 1.299 1.251 1.191 1.145 23
9 1.001 1.139 1.248 1.294 1.270 1.207 1.159 1.122 24
10 1.139 1.246 1.291 1.291 1.225 1.176 1.137 1.081 25
11 1.223 1.262 1.282 1.214 1.162 1.120 1.062 1.016 26
12 1.231 1.270 1.198 1.143 1.098 1.038 0.990 0.930 27
13 1.236 1.183 1.124 1.076 1.013 0.962 0.900 0.880 28
14 1.157 1.116 1.065 0.999 0.946 0.883 0.861 0.834 29
15 1.099 1.055 0.995 0.939 0.872 0.848 0.819 0.785 30
16 1.044 1.001 0.933 0.872 0.847 0.817 0.781 0.750 31
17 0.989 0.946 0.883 0.857 0.826 0.789 0.758 0.711 32
18 0.928 0.898 0.823 0.809 0.781 0.756 0.720 0.662 33
19 0.862 0.829 0.770 0.761 0.745 0.728 0.682 0.638 34
20 0.784 0.773 0.713 0.715 0.701 0.680 0.651 0.620 35
21 0.837 0.843 0.789 0.767 0.729 0.693 0.666 0.611 36
22 0.747 0.767 0.737 0.703 0.683 0.669 0.643 0.612 37
23 0.678 0.707 0.683 0.662 0.666 0.655 0.641 0.647 38
24 0.631 0.652 0.653 0.643 0.649 0.658 0.673 0.690 39
25 0.602 0.629 0.646 0.645 0.669 0.703 0.725 0.750 40
26 0.604 0.644 0.656 0.679 0.718 0.764 0.797 0.825 41
27 0.634 0.670 0.695 0.736 0.785 0.838 0.879 0.909 42
28 0.668 0.718 0.754 0.802 0.854 0.916 0.964 1.012 43
29 0.727 0.799 0.841 0.886 0.942 1.004 1.066 1.123 44
30 0.799 0.880 0.925 0.975 1.034 1.108 1.174 1.256 45
31 0.869 0.953 1.006 1.064 1.136 1.217 1.302 1.408 46
32 0.936 1.032 1.093 1.169 1.248 1.349 1.458 1.585 47
33 1.004 1.112 1.192 1.275 1.382 1.512 1.642 1.778 48
34 1.063 1.179 1.273 1.384 1.528 1.687 1.831 2.008 49
35 1.162 1.280 1.398 1.539 1.707 1.883 2.054 2.267 50
36 1.283 1.422 1.564 1.723 1.908 2.112 2.308 2.535 51
37 1.431 1.593 1.750 1.918 2.124 2.356 2.582 2.816 52
38 1.604 1.784 1.943 2.130 2.353 2.612 2.889 3.148 53
39 1.798 1.985 2.158 2.358 2.601 2.902 3.240 3.530 54
40 1.997 2.212 2.394 2.607 2.885 3.230 3.631 4.003 55
41 2.214 2.452 2.652 2.899 3.212 3.607 4.082 4.562 56
42 2.444 2.711 2.951 3.241 3.595 4.047 4.591 5.194 57
43 2.669 2.996 3.285 3.630 4.047 4.551 5.162 5.828 58
44 2.910 3.302 3.657 4.076 4.560 5.127 5.750 6.533 59
45 3.183 3.645 4.081 4.575 5.137 5.729 6.436 7.270 60
46 3.513 4.040 4.549 5.123 5.734 6.422 7.194 8.066 61
47 3.939 4.503 5.075 5.690 6.409 7.184 8.032 8.959 62
48 4.445 5.036 5.623 6.330 7.136 8.005 8.968 9.999 63
49 5.008 5.605 6.255 7.021 7.912 8.906 10.008 11.187 64
50 5.573 6.244 6.928 7.757 8.754 9.884 11.151 12.486 65
51 6.187 6.915 7.661 8.597 9.736 11.063 12.541 14.118 66
52 6.804 7.600 8.465 9.556 10.898 12.462 14.227 16.127 67
53 7.412 8.290 9.292 10.547 12.065 13.834 15.868 18.209 68
54 8.016 9.006 10.194 11.670 13.420 15.464 17.960 20.681 69
55 8.650 9.764 11.133 12.823 14.803 17.207 20.062 23.097 70
56 9.317 10.571 12.148 14.081 16.415 19.147 22.422 25.989 71
57 10.024 11.453 13.228 15.465 18.077 21.138 24.796 28.940 72
58 10.831 12.433 14.470 16.968 19.908 23.353 27.489 31.886 73
59 11.795 13.581 15.867 18.689 22.063 26.077 30.624 35.649 74
60 12.952 14.860 17.369 20.480 24.289 28.650 33.749 39.279 75
61 14.241 16.285 19.076 22.589 26.780 31.798 37.531 43.902 76
62 15.657 17.872 20.943 24.686 29.357 34.881 41.239 48.400 77
63 17.138 19.581 22.900 27.111 32.335 38.593 45.780 54.076 78
64 18.730 21.330 25.041 29.714 35.601 42.655 50.743 60.247 79
65 20.468 23.351 27.431 32.655 39.235 47.135 56.180 66.804 80
66 22.565 25.718 30.250 36.051 43.337 52.073 62.140 73.647 81
67 25.110 28.617 33.645 40.021 47.982 57.555 68.667 81.154 82
68 28.283 32.189 37.746 44.661 53.267 63.621 75.767 89.290 83
69 32.098 36.452 42.554 50.004 59.189 70.249 83.462 98.596 84
70 36.524 41.356 48.068 56.020 65.721 77.465 91.770 108.940 85
71 39.967 45.262 52.729 61.552 72.339 85.394 101.303 120.401 86
72 43.750 49.532 57.951 67.935 80.133 94.917 112.935 134.593 87
73 47.806 54.092 63.583 74.833 88.591 105.256 125.608 151.042 88
74 51.371 58.116 68.447 80.703 95.690 113.857 136.820 164.781 89
75 54.206 61.295 72.344 85.447 101.465 121.536 146.294 176.507 90
76 56.521 63.893 75.377 88.996 106.153 127.161 153.124 184.783 91
77 58.865 66.514 78.442 92.979 110.914 132.916 160.085 193.221 92
78 62.532 70.634 83.586 99.084 118.243 141.727 170.729 204.369 93
79 67.977 77.008 91.136 108.078 128.999 154.650 184.854 221.277 94
80 73.746 83.550 98.918 117.329 140.069 166.704 199.263 238.501 95
1987 MORTALITY ASSUMPTION PER 1000
MPSM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ------ ------ ------ ------ ------ ------ ------ ------
0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319
1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297
2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281
3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282
4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292
5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321
6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415
7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523
8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688
9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846
10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002
11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122
12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198
13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204
14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.220
15 0.693 0.830 0.954 1.055 1.124 1.162 1.211 1.168
16 0.840 0.963 1.021 1.078 1.113 1.188 1.162 1.130
17 0.966 1.023 1.048 1.072 1.164 1.136 1.112 1.088
18 0.966 1.011 1.034 1.112 1.124 1.077 1.052 1.035
19 0.924 0.979 1.053 1.055 1.049 1.003 0.986 0.966
20 0.861 0.973 0.996 0.990 0.973 0.914 0.914 0.903
21 0.805 0.900 0.946 0.949 0.940 0.896 0.937 0.950
22 0.714 0.808 0.862 0.864 0.853 0.840 0.854 0.874
23 0.643 0.722 0.781 0.781 0.788 0.773 0.793 0.824
24 0.567 0.640 0.694 0.718 0.723 0.725 0.746 0.778
25 0.516 0.575 0.641 0.665 0.693 0.705 0.728 0.764
26 0.486 0.550 0.607 0.644 0.691 0.715 0.742 0.778
27 0.485 0.534 0.596 0.651 0.701 0.738 0.776 0.818
28 0.495 0.549 0.612 0.671 0.726 0.773 0.818 0.875
29 0.526 0.582 0.642 0.706 0.773 0.828 0.888 0.955
30 0.560 0.621 0.685 0.746 0.820 0.890 0.952 1.038
31 0.583 0.656 0.717 0.792 0.863 0.943 1.023 1.129
32 0.602 0.680 0.756 0.829 0.910 1.000 1.113 1.233
33 0.605 0.697 0.779 0.870 0.970 1.081 1.208 1.342
34 0.592 0.697 0.796 0.903 1.027 1.151 1.289 1.437
35 0.599 0.724 0.842 0.982 1.115 1.261 1.410 1.575
36 0.616 0.771 0.922 1.080 1.244 1.404 1.580 1.764
37 0.658 0.836 1.014 1.204 1.389 1.570 1.764 1.977
38 0.716 0.922 1.140 1.352 1.558 1.757 1.973 2.219
39 0.788 1.042 1.282 1.517 1.741 1.968 2.211 2.470
40 0.878 1.172 1.442 1.708 1.948 2.194 2.458 2.746
41 0.970 1.303 1.621 1.910 2.176 2.437 2.715 3.022
42 1.064 1.445 1.795 2.119 2.407 2.690 2.989 3.324
43 1.158 1.580 1.974 2.321 2.640 2.946 3.266 3.619
44 1.254 1.720 2.147 2.534 2.870 3.205 3.544 3.910
45 1.361 1.863 2.329 2.759 3.125 3.481 3.840 4.218
46 1.463 2.006 2.519 3.003 3.413 3.789 4.169 4.593
47 1.566 2.174 2.743 3.273 3.743 4.146 4.562 5.025
48 1.669 2.359 2.993 3.577 4.121 4.588 5.043 5.550
49 1.783 2.557 3.262 3.916 4.546 5.083 5.603 6.162
50 1.893 2.775 3.552 4.283 4.985 5.604 6.200 6.816
51 2.008 2.998 3.869 4.666 5.429 6.132 6.794 7.449
52 2.130 3.238 4.193 5.052 5.863 6.628 7.334 8.014
53 2.259 3.478 4.512 5.421 6.279 7.056 7.776 8.507
54 2.403 3.721 4.830 5.787 6.669 7.425 8.169 8.970
55 2.554 3.987 5.176 6.168 7.046 7.804 8.575 9.419
56 2.735 4.282 5.557 6.577 7.456 8.226 9.026 9.922
57 2.955 4.631 5.983 7.050 7.931 8.730 9.575 10.498
58 3.215 5.037 6.497 7.625 8.526 9.376 10.249 11.188
59 3.513 5.509 7.099 8.292 9.258 10.149 11.044 11.976
60 3.848 6.037 7.756 9.029 10.089 11.009 11.917 12.851
61 4.240 6.592 8.438 9.014 10.955 11.904 12.835 13.826
62 4.676 7.149 9.108 10.621 11.800 12.802 13.798 14.855
63 5.155 7.782 9.841 11.430 12.619 13.675 14.725 15.864
64 5.682 8.519 10.654 12.244 13.451 14.539 15.639 16.855
65 6.253 9.270 11.487 13.056 14.309 15.448 16.606 17.966
66 6.854 9.975 12.254 13.853 15.205 16.437 17.740 19.221
67 7.505 10.559 12.872 14.623 16.148 17.581 19.044 20.777
68 8.184 11.048 13.381 15.345 17.158 18.859 20.659 22.842
69 8.905 11.511 13.840 16.047 18.188 20.322 22.683 25.313
70 9.655 11.914 14.258 16.687 19.258 22.029 24.972 28.133
71 10.356 12.782 15.270 17.851 20.682 23.637 26.784 30.152
72 11.105 13.688 16.335 19.176 22.198 25.358 28.713 32.293
73 11.876 14.625 17.526 20.552 23.781 27.144 30.703 34.524
74 12.486 15.437 18.477 21.659 25.044 28.562 32.298 36.286
75 12.942 15.983 19.126 22.405 25.882 29.506 33.339 37.423
76 13.249 16.356 19.559 22.892 26.433 30.113 33.994 38.124
77 13.547 16.711 19.967 23.361 26.952 30.676 34.600 38.762
78 14.123 17.408 20.792 24.305 28.016 31.860 35.898 40.182
79 15.061 18.556 22.145 25.864 29.787 33.838 38.094 42.595
80 15.984 19.676 23.460 27.377 31.497 35.750 40.203 44.910
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
-- ------ ------ ------ ------ ------- ------- ------- --------
0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15
1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16
2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17
3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18
4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19
5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20
6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.566 21
7 0.683 0.838 0.996 1.139 1.254 1.306 1.517 1.530 22
8 0.842 0.998 1.138 1.250 1.299 1.477 1.486 1.509 23
9 1.001 1.139 1.248 1.294 1.441 1.447 1.468 1.502 24
10 1.139 1.246 1.291 1.406 1.412 1.431 1.463 1.478 25
11 1.223 1.262 1.343 1.343 1.357 1.384 1.394 1.414 26
12 1.231 1.278 1.274 1.283 1.304 1.310 1.324 1.326 27
13 1.243 1.209 1.213 1.227 1.228 1.236 1.233 1.287 28
14 1.181 1.157 1.167 1.164 1.168 1.162 1.210 1.256 29
15 1.139 1.111 1.114 1.113 1.102 1.145 1.185 1.237 30
16 1.099 1.076 1.063 1.059 1.099 1.135 1.183 1.220 31
17 1.063 1.036 1.031 1.069 1.103 1.149 1.183 1.179 32
18 1.016 1.007 0.986 1.038 1.092 1.133 1.148 1.128 33
19 0.966 0.954 0.950 1.022 1.073 1.115 1.115 1.111 34
20 0.902 0.915 0.921 0.990 1.032 1.069 1.090 1.085 35
21 0.991 1.045 1.050 1.084 1.101 1.114 1.120 1.093 36
22 0.926 0.980 1.001 1.020 1.054 1.081 1.104 1.103 37
23 0.867 0.923 0.953 0.982 1.033 1.080 1.110 1.185 38
24 0.823 0.874 0.930 0.960 1.029 1.095 1.184 1.278 39
25 0.807 0.862 0.925 0.982 1.069 1.189 1.289 1.408 40
26 0.827 0.887 0.960 1.043 1.166 1.305 1.43_ 1.568 41
27 0.873 0.942 1.026 1.149 1.289 1.451 1.605 1.742 42
28 0.938 1.017 1.131 1.264 1.421 1.606 1.774 1.953 43
29 1.030 1.151 1.274 1.416 1.587 1.776 1.976 2.189 44
30 1.151 1.280 1.421 1.578 1.756 1.973 2.198 2.463 45
31 1.264 1.407 1.564 1.737 1.944 2.190 2.451 2.747 46
32 1.382 1.541 1.714 1.922 2.158 2.440 2.732 3.080 47
33 1.500 1.675 1.882 2.118 2.403 2.723 3.066 3.442 48
34 1.601 1.789 2.032 2.311 2.644 3.025 3.405 3.872 49
35 1.764 1.963 2.244 2.557 2.942 3.364 3.805 4.345 50
36 1.967 2.192 2.497 2.852 3.274 3.758 4.249 4.820 51
37 2.206 2.444 2.783 3.163 3.632 4.166 4.717 5.283 52
38 2.461 2.727 3.079 3.498 3.998 4.584 5.207 5.838 53
39 2.747 3.021 3.406 3.849 4.386 5.024 5.772 6.463 54
40 3.040 3.354 3.755 4.223 4.798 5.528 6.386 7.205 55
41 3.357 3.696 4.128 4.633 5.283 6.093 7.057 8.068 56
42 3.684 4.053 4.531 5.121 5.835 6.722 7.798 9.016 57
43 3.991 4.420 4.986 5.661 6.458 7.427 8.608 9.947 58
44 4.293 4.815 5.479 6.250 7.149 8.214 9.428 10.887 59
45 4.642 5.247 6.013 6.891 7.906 9.024 10.302 11.839 60
46 5.057 5.719 6.583 7.576 8.677 9.875 11.253 12.874 61
47 5.576 6.261 7.211 8.273 9.470 10.796 12.315 14.017 62
48 6.181 6.875 7.855 8.986 10.303 11.791 13.478 15.336 63
49 6.836 7.523 8.531 9.739 11.196 12.860 14.744 16.803 64
50 7.480 8.182 9.234 10.546 12.143 13.990 16.089 18.368 65
51 8.107 8.855 10.008 11.459 13.239 15.334 17.723 20.331 66
52 8.713 9.538 10.840 12.485 14.513 16.918 19.680 22.722 67
53 9.302 10.199 11.664 13.495 15.737 18.384 21.477 25.078 68
54 9.862 10.862 12.531 14.624 17.134 20.107 23.760 27.836 69
55 10.431 11.532 13.404 15.730 18.493 21.869 25.939 30.367 70
56 11.003 12.228 14.318 16.900 20.044 23.783 28.317 33.355 71
57 11.596 12.969 15.253 18.143 21.573 25.647 30.570 36.235 72
58 12.265 13.774 16.311 19.455 23.207 27.659 33.062 38.930 73
59 13.068 14.708 17.479 20.931 25.106 30.132 35.917 42.407 74
60 14.027 15.728 18.690 22.391 26.963 32.280 38.565 45.806 75
61 15.073 16.836 20.037 24.094 28.989 34.908 42.043 50.160 76
62 16.187 18.036 21.461 25.674 30.963 37.539 45.261 54.164 77
63 17.295 19.278 22.883 27.473 33.433 40.692 49.213 59.245 78
64 18.440 20.477 24.380 29.518 36.064 44.051 53.403 64.592 79
65 19.650 21.843 26.182 31.782 38.929 47.656 57.858 70.059 80
66 21.107 23.583 28.287 34.368 42.096 51.520 62.600 75.497 81
67 23.026 25.710 30.816 37.350 45.610 55.702 67.619 81.295 82
68 25.409 28.326 33.846 40.788 49.528 60.187 72.908 87.353 83
69 28.245 31.403 37.340 44.672 53.797 64.941 78.434 94.133 84
70 31.465 34.864 41.258 48.919 58.371 69.937 84.164 101.453 85
71 33.694 37.325 44.240 52.524 62.745 75.238 90.624 109.302 86
72 36.078 39.927 47.512 56.615 67.832 81.573 98.484 119.033 87
73 38.535 42.608 50.910 60.862 73.149 88.180 106.711 131.214 88
74 40.465 44.707 53.485 64.023 77.020 92.926 114.176 140.564 89
75 41.699 46.016 55.140 66.078 79.561 97.435 119.877 147.801 90
76 42.432 46.788 56.005 67.047 81.762 100.103 123.169 151.840 91
77 43.106 47.480 56.779 68.807 83.886 102.712 126.362 155.768 92
78 44.638 49.120 59.430 72.001 87.786 107.473 132.212 163.147 93
79 47.273 52.604 63.628 77.093 93.983 115.053 141.754 174.907 94
80 50.376 56.0_3 67.793 82.128 100.116 122.811 151.300 186.653 95
1987 MORTALITY ASSUMPTION PER 1000
MSKM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ------ ------ ------ ------ ------ ------ ------ ------
0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319
1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297
2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281
3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282
4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292
5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321
6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415
7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523
8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688
9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846
10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002
11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122
12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198
13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204
14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.891
15 0.693 0.830 0.954 1.055 1.124 1.162 1.878 1.811
16 0.840 0.963 1.021 1.078 1.113 1.841 1.802 1.752
17 0.966 1.023 1.048 1.072 1.803 1.760 1.723 1.687
18 0.966 1.011 1.034 1.723 1.742 1.670 1.631 1.605
19 0.924 0.979 1.633 1.635 1.627 1.554 1.528 1.498
20 0.861 1.508 1.544 1.534 1.508 1.416 1.416 1.399
21 1.247 1.396 1.467 1.471 1.457 1.389 1.453 1.473
22 1.107 1.253 1.336 1.338 1.322 1.302 1.323 1.354
23 0.997 1.120 1.211 1.210 1.222 1.198 1.229 1.277
24 0.879 0.992 1.075 1.113 1.121 1.123 1.156 1.206
25 0.799 0.892 0.994 1.030 1.073 1.093 1.129 1.184
26 0.753 0.852 0.941 0.998 1.071 1.108 1.150 1.206
27 0.752 0.828 0.924 1.010 1.087 1.144 1.203 1.268
28 0.768 0.850 0.949 1.041 1.125 1.199 1.268 1.356
29 0.815 0.902 0.995 1.094 1.198 1.284 1.376 1.481
30 0.868 0.962 1.062 1.156 1.270 1.379 1.475 1.608
31 0.904 1.016 1.111 1.227 1.338 1.461 1.586 1.749
32 0.934 1.054 1.172 1.285 1.411 1.550 1.725 1.911
33 0.938 1.080 1.208 1.349 1.503 1.676 1.873 2.080
34 0.917 1.080 1.233 1.400 1.592 1.785 1.998 2.228
35 0.929 1.122 1.306 1.522 1.728 1.954 2.185 2.442
36 0.955 1.194 1.428 1.674 1.928 2.175 2.449 2.735
37 1.020 1.296 1.571 1.866 2.153 2.433 2.735 3.065
38 1.110 1.429 1.766 2.095 2.415 2.723 3.058 3.440
39 1.221 1.615 1.988 2.351 2.698 3.051 3.427 3.829
40 1.361 1.816 2.236 2.648 3.019 3.401 3.810 4.256
41 1.504 2.020 2.513 2.961 3.373 3.777 4.208 4.685
42 1.649 2.239 2.782 3.284 3.730 4.169 4.633 5.152
43 1.795 2.449 3.060 3.598 4.092 4.566 5.062 5.610
44 1.943 2.667 3.328 3.927 4.448 4.967 5.494 6.061
45 2.109 2.887 3.611 4.277 4.844 5.395 5.953 6.538
46 2.267 3.110 3.904 4.655 5.291 5.873 6.461 7.118
47 2.427 3.369 4.251 5.073 5.801 6.426 7.070 7.789
48 2.588 3.657 4.639 5.544 6.387 7.112 7.817 8.603
49 2.763 3.963 5.057 6.069 7.046 7.879 8.685 9.551
50 2.934 4.301 5.506 6.639 7.727 8.687 9.610 10.565
51 3.113 4.647 5.997 7.232 8.415 9.505 10.531 11.546
52 3.301 5.020 6.498 7.831 9.087 10.273 11.367 12.421
53 3.501 5.390 6.994 8.402 9.732 10.936 12.053 13.187
54 3.725 5.768 7.486 8.969 10.337 11.508 12.663 13.904
55 3.958 6.180 8.022 9.561 10.921 12.096 13.292 14.600
56 4.239 6.637 8.613 10.194 11.557 12.750 13.991 15.379
57 4.580 7.178 9.273 10.927 12.293 13.531 14.841 16.273
58 4.983 7.807 10.071 11.819 13.216 14.533 15.885 17.341
59 5.446 8.538 11.004 12.853 14.350 15.731 17.118 18.563
60 5.965 9.358 12.022 13.995 15.638 17.063 18.471 19.919
61 6.573 10.217 13.079 15.212 16.981 18.451 19.894 21.430
62 7.247 11.081 14.118 16.463 18.290 19.843 21.388 23.025
63 7.990 12.062 15.254 17.717 19.560 21.196 22.824 24.589
64 8.806 13.204 16.514 18.978 20.848 22.536 24.241 26.126
65 9.693 14.368 17.805 20.237 22.180 23.944 25.739 27.847
66 10.624 15.462 18.993 21.471 23.569 25.477 27.497 29.792
67 11.633 16.366 19.952 22.666 25.030 27.250 29.518 32.204
68 12.686 17.125 20.741 23.784 26.595 29.232 32.021 35.406
69 13.803 17.843 21.452 24.873 28.191 31.498 35.159 39.235
70 14.966 18.467 22.100 25.864 29.850 34.146 38.706 43.607
71 16.052 19.811 23.669 27.668 32.058 36.637 41.516 46.735
72 17.212 21.216 25.320 29.723 34.407 39.305 44.505 50.054
73 18.408 22.668 27.166 31.856 36.860 42.074 47.590 53.512
74 19.353 23.928 28.639 33.571 38.818 44.272 50.062 56.243
75 20.060 24.774 29.646 34.728 40.117 45.734 51.675 58.006
76 20.537 25.352 30.316 35.483 40.972 46.674 52.690 59.092
77 20.998 25.901 30.948 36.209 41.775 47.547 53.629 60.081
78 21.891 26.982 32.227 37.674 43.426 49.384 55.642 62.283
79 23.344 28.762 34.324 40.089 46.171 52.450 59.046 66.022
80 24.774 30.498 36.364 42.435 48.820 55.412 62.314 69.611
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
-- ------ ------ ------- ------- ------- ------- ------- --------
0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15
1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16
2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17
3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18
4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19
5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20
6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.949 21
7 0.683 0.838 0.996 1.139 1.254 1.306 1.958 1.904 22
8 0.842 0.998 1.138 1.250 1.299 1.976 1.917 1.878 23
9 1.001 1.139 1.248 1.294 2.000 1.937 1.894 1.869 24
10 1.139 1.246 1.291 2.025 1.960 1.915 1.888 1.840 25
11 1.223 1.262 2.006 1.934 1.884 1.852 1.800 1.760 26
12 1.231 1.981 1.903 1.848 1.810 1.753 1.709 1.651 27
13 1.927 1.874 1.811 1.767 1.704 1.654 1.591 1.601 28
14 1.831 1.793 1.744 1.676 1.622 1.555 1.562 1.563 29
15 1.766 1.722 1.664 1.603 1.530 1.533 1.529 1.540 30
16 1.703 1.668 1.588 1.525 1.526 1.520 1.527 1.518 31
17 1.648 1.606 1.540 1.539 1.532 1.538 1.527 1.468 32
18 1.575 1.561 1.473 1.495 1.515 1.517 1.481 1.404 33
19 1.497 1.479 1.419 1.471 1.490 1.493 1.440 1.382 34
20 1.398 1.419 1.376 1.426 1.432 1.431 1.406 1.351 35
21 1.536 1.620 1.569 1.561 1.528 1.491 1.445 1.360 36
22 1.436 1.520 1.496 1.469 1.464 1.447 1.425 1.372 37
23 1.344 1.431 1.423 1.414 1.434 1.446 1.432 1.475 38
24 1.276 1.354 1.389 1.382 1.428 1.466 1.528 1.590 39
25 1.251 1.336 1.382 1.414 1.484 1.591 1.663 1.753 40
26 1.281 1.374 1.435 1.503 1.619 1.747 1.855 1.951 41
27 1.353 1.460 1.533 1.654 1.789 1.943 2.071 2.168 42
28 1.455 1.576 1.689 1.820 1.973 2.149 2.289 2.430 43
29 1.597 1.784 1.903 2.039 2.203 2.377 2.550 2.724 44
30 1.784 1.984 2.123 2.272 2.437 2.641 2.837 3.065 45
31 1.960 2.181 2.336 2.501 2.698 2.931 3.164 3.419 46
32 2.142 2.389 2.561 2.768 2.996 3.266 3.526 3.832 47
33 2.326 2.597 2.811 3.050 3.336 3.644 3.957 4.283 48
34 2.482 2.773 3.035 3.328 3.670 4.049 4.395 4.819 49
35 2.733 3.043 3.352 3.683 4.084 4.502 4.911 5.408 50
36 3.049 3.398 3.731 4.107 4.546 5.029 5.484 5.999 51
37 3.419 3.787 4.157 4.555 5.042 5.576 6.087 6.574 52
38 3.814 4.226 4.599 5.038 5.550 6.135 6.720 7.265 53
39 4.258 4.683 5.088 5.543 6.089 6.724 7.449 8.043 54
40 4.712 5.199 5.610 6.081 6.660 7.399 8.241 8.966 55
41 5.204 5.728 6.167 6.672 7.334 8.155 9.108 10.040 56
42 5.709 6.282 6.769 7.374 8.100 8.998 10.064 11.220 57
43 6.186 6.851 7.449 8.152 8.966 9.941 11.109 12.378 58
44 6.655 7.463 8.185 9.000 9.924 10.994 12.167 13.548 59
45 7.196 8.132 8.982 9.923 10.975 12.078 13.296 14.733 60
46 7.838 8.864 9.835 10.910 12.046 13.218 14.523 16.020 61
47 8.642 9.705 10.772 11.913 13.146 14.450 15.893 17.444 62
48 9.581 10.656 11.735 12.939 14.303 15.782 17.394 19.085 63
49 10.596 11.661 12.744 14.025 15.543 17.212 19.029 20.910 64
50 11.595 12.682 13.794 15.187 16.858 18.725 20.764 22.858 65
51 12.566 13.725 14.951 16.500 18.379 20.524 22.872 25.301 66
52 13.505 14.784 16.193 17.978 20.147 22.644 25.399 28.277 67
53 14.418 15.809 17.425 19.433 21.846 24.607 27.717 31.208 68
54 15.286 16.835 18.720 21.059 23.787 26.913 30.664 34.640 69
55 16.169 17.875 20.024 22.651 25.672 29.271 33.476 37.790 70
56 17.055 18.953 21.389 24.336 27.826 31.833 36.546 41.508 71
57 17.973 20.102 22.787 26.126 29.948 34.327 39.452 45.093 72
58 19.010 21.350 24.366 28.015 32.217 37.020 42.669 48.446 73
59 20.255 22.797 26.112 30.141 34.853 40.330 46.353 52.774 74
60 21.741 24.378 27.921 32.243 37.431 43.205 49.771 57.003 75
61 23.362 26.096 29.933 34.695 40.244 46.722 54.259 62.422 76
62 25.089 27.956 32.061 36.971 42.984 50.244 58.413 67.405 77
63 26.808 29.882 34.184 39.560 46.413 54.465 63.513 73.727 78
64 28.583 31.740 36.420 42.506 50.065 58.961 68.920 80.381 79
65 30.458 33.856 39.112 45.766 54.043 63.786 74.670 87.184 80
66 32.716 36.553 42.258 49.490 58.439 68.958 80.789 93.952 81
67 35.690 39.851 46.035 53.785 63.317 74.555 87.266 101.167 82
68 39.385 43.905 50.562 58.735 68.757 80.558 94.092 108.706 83
69 43.780 48.674 55.781 64.327 74.683 86.921 101.224 117.144 84
70 48.770 54.040 61.634 70.444 81.032 93.607 108.620 126.252 85
71 52.225 57.853 66.089 75.634 87.105 100.703 116.956 136.020 86
72 55.921 61.887 70.977 81.525 94.166 109.183 127.100 148.131 87
73 59.729 66.042 76.053 87.641 101.548 118.025 137.717 163.289 88
74 62.720 69.296 79.899 92.193 106.922 124.377 147.352 174.924 89
75 64.633 71.325 82.372 95.152 110.450 130.412 154.709 183.930 90
76 65.770 72.522 83.664 96.548 113.505 133.984 158.957 188.956 91
77 66.815 73.594 84.821 99.083 116.454 137.476 163.079 193.844 92
78 69.188 76.136 88.781 103.681 121.868 143.849 170.629 203.027 93
79 73.273 81.536 95.052 111.014 130.471 153.994 182.942 217.662 94
80 78.083 86.866 101.274 118.265 138.984 164.377 195.263 232.279 95
1987 MORTALITY ASSUMPTION PER 1000
FPNM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
--- ----- ------ ------ ------ ------ ------ ------ ------
0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168
1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152
2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140
3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137
4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138
5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148
6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189
7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236
8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306
9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373
10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440
11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496
12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538
13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552
14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.409
15 0.317 0.382 0.442 0.492 0.527 0.548 0.411 0.393
16 0.384 0.444 0.475 0.506 0.527 0.406 0.395 0.379
17 0.451 0.482 0.498 0.514 0.404 0.392 0.379 0.367
18 0.460 0.486 0.502 0.391 0.393 0.373 0.360 0.351
19 0.449 0.480 0.374 0.372 0.367 0.347 0.338 0.329
20 0.426 0.349 0.355 0.350 0.341 0.318 0.316 0.306
21 0.308 0.338 0.347 0.340 0.329 0.307 0.311 0.308
22 0.294 0.325 0.339 0.332 0.321 0.306 0.304 0.300
23 0.287 0.315 0.334 0.327 0.319 0.306 0.303 0.302
24 0.276 0.305 0.324 0.324 0.319 0.309 0.305 0.308
25 0.268 0.293 0.316 0.320 0.322 0.314 0.314 0.321
26 0.255 0.280 0.302 0.309 0.318 0.318 0.321 0.330
27 0.256 0.275 0.296 0.310 0.323 0.331 0.340 0.351
28 0.260 0.278 0.297 0.315 0.331 0.345 0.357 0.378
29 0.268 0.284 0.302 0.324 0.346 0.363 0.385 0.410
30 0.278 0.298 0.320 0.340 0.366 0.392 0.415 0.447
31 0.284 0.311 0.332 0.358 0.386 0.417 0.447 0.486
32 0.286 0.315 0.342 0.370 0.402 0.436 0.478 0.523
33 0.280 0.315 0.347 0.383 0.422 0.463 0.511 0.559
34 0.271 0.315 0.355 0.397 0.445 0.493 0.543 0.596
35 0.271 0.323 0.371 0.425 0.477 0.531 0.585 0.645
36 0.271 0.334 0.393 0.455 0.516 0.573 0.637 0.703
37 0.280 0.351 0.420 0.491 0.558 0.623 0.692 0.767
38 0.301 0.383 0.466 0.545 0.620 0.691 0.767 0.854
39 0.328 0.427 0.518 0.605 0.686 0.767 0.853 0.951
40 0.354 0.466 0.566 0.662 0.747 0.832 0.931 1.040
41 0.379 0.503 0.618 0.720 0.812 0.907 1.011 1.124
42 0.411 0.552 0.678 0.792 0.899 1.004 1.115 1.239
43 0.435 0.587 0.725 0.852 0.968 1.080 1.196 1.329
44 0.458 0.621 0.774 0.913 1.034 1.153 1.279 1.419
45 0.483 0.660 0.824 0.976 1.105 1.233 1.369 1.520
46 0.508 0.697 0.875 1.042 1.185 1.326 1.474 1.643
47 0.534 0.741 0.934 1.117 1.285 1.438 1.601 1.786
48 0.558 0.788 1.002 1.205 1.402 1.579 1.758 1.966
49 0.584 0.839 1.077 1.306 1.534 1.737 1.946 2.177
50 0.608 0.898 1.161 1.416 1.669 1.907 2.146 2.403
51 0.651 0.982 1.282 1.566 1.852 2.218 2.402 2.680
52 0.700 1.076 1.411 1.728 2.040 2.349 2.645 2.952
53 0.752 1.173 1.547 1.891 2.231 2.552 2.872 3.208
54 0.813 1.279 1.689 2.061 2.418 2.749 3.088 3.450
55 0.880 1.398 1.848 2.242 2.615 2.958 3.306 3.695
56 0.961 1.533 2.025 2.447 2.833 3.180 3.549 3.968
57 1.061 1.692 2.232 2.685 3.073 3.441 3.839 4.284
58 1.178 1.884 2.481 2.962 3.370 3.768 4.193 4.663
59 1.317 2.109 2.765 3.286 3.731 4.162 4.614 5.101
60 1.477 2.358 3.081 3.647 4.148 4.612 5.088 5.592
61 1.660 2.625 3.417 4.045 4.601 5.096 5.599 6.131
62 1.867 2.903 3.764 4.472 5.064 5.599 6.138 6.715
63 2.098 3.224 4.154 4.918 5.533 6.101 6.680 7.307
64 2.360 3.605 4.596 5.382 6.020 6.620 7.233 7.914
65 2.653 4.009 5.062 5.861 6.538 7.173 7.832 8.593
66 2.972 4.407 5.518 6.352 7.089 7.788 8.528 9.435
67 3.324 4.769 5.924 6.846 7.686 8.495 9.391 10.464
68 3.708 5.102 6.290 7.337 8.333 9.342 10.446 11.736
69 4.127 5.433 6.648 7.833 9.051 10.318 11.696 13.279
70 4.575 5.749 6.995 8.342 9.817 11.399 13.140 15.062
71 5.020 6.303 7.669 9.137 10.741 12.475 14.376 16.427
72 5.504 6.906 8.395 9.994 11.752 13.645 15.683 17.916
73 6.019 7.547 9.166 10.914 12.829 14.864 17.077 19.505
74 6.469 8.102 9.841 11.714 13.749 15.927 18.294 20.884
75 6.817 8.539 10.371 12.331 14.469 16.755 19.237 21.956
76 7.100 8.891 10.792 12.830 15.048 17.419 19.995 22.818
77 7.383 9.244 11.219 13.333 15.630 18.089 20.761 23.685
78 7.832 9.806 11.897 14.132 16.563 19.166 21.991 25.083
79 8.505 10.645 12.908 15.329 17.965 20.782 23.839 27.188
80 9.192 11.498 13.940 16.553 19.393 22.429 25.727 29.337
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ------ ------ ------ ------ ------ ------ ------- --------
0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15
1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16
2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17
3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18
4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19
5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20
6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.415 21
7 0.304 0.368 0.434 0.486 0.524 0.535 0.414 0.398 22
8 0.371 0.436 0.488 0.527 0.538 0.412 0.397 0.383 23
9 0.438 0.491 0.530 0.541 0.410 0.395 0.382 0.371 24
10 0.493 0.532 0.543 0.409 0.394 0.380 0.370 0.357 25
11 0.535 0.546 0.407 0.392 0.379 0.369 0.356 0.347 26
12 0.549 0.405 0.390 0.378 0.368 0.355 0.346 0.329 27
13 0.407 0.389 0.376 0.367 0.355 0.345 0.329 0.334 28
14 0.391 0.375 0.366 0.354 0.345 0.328 0.334 0.335 29
15 0.377 0.361 0.353 0.344 0.328 0.334 0.335 0.337 30
16 0.364 0.352 0.340 0.328 0.334 0.335 0.337 0.339 31
17 0.354 0.342 0.329 0.335 0.337 0.339 0.340 0.333 32
18 0.342 0.332 0.319 0.327 0.333 0.337 0.335 0.326 33
19 0.322 0.316 0.306 0.318 0.326 0.333 0.330 0.326 34
20 0.304 0.304 0.296 0.310 0.318 0.326 0.330 0.330 35
21 0.310 0.314 0.312 0.321 0.328 0.336 0.346 0.348 36
22 0.306 0.313 0.317 0.323 0.335 0.349 0.364 0.372 37
23 0.308 0.319 0.325 0.332 0.349 0.367 0.380 0.406 38
24 0.317 0.330 0.344 0.352 0.375 0.398 0.425 0.455 39
25 0.332 0.348 0.367 0.384 0.412 0.449 0.479 0.513 40
26 0.343 0.364 0.387 0.413 0.450 0.493 0.530 0.564 41
27 0.371 0.396 0.421 0.458 0.500 0.547 0.587 0.620 42
28 0.401 0.431 0.464 0.503 0.549 0.600 0.644 0.689 43
29 0.437 0.481 0.517 0.557 0.604 0.657 0.711 0.766 44
30 0.489 0.537 0.576 0.618 0.667 0.727 0.786 0.855 45
31 0.537 0.589 0.632 0.679 0.736 0.803 0.871 0.954 46
32 0.577 0.634 0.680 0.737 0.800 0.874 0.955 1.051 47
33 0.615 0.678 0.737 0.802 0.881 0.975 1.073 1.177 48
34 0.656 0.724 0.794 0.873 0.974 1.088 1.195 1.327 49
35 0.714 0.786 0.865 0.959 1.074 1.195 1.316 1.467 50
36 0.775 0.855 0.946 1.052 1.175 1.312 1.448 1.609 51
37 0.846 0.936 1.037 1.146 1.280 1.433 1.588 1.749 52
38 0.945 1.047 1.146 1.262 1.402 1.568 1.746 1.920 53
39 1.057 1.162 1.270 1.395 1.552 1.742 1.963 2.157 54
40 1.150 1.268 1.380 1.514 1.685 1.904 2.158 2.399 55
41 1.248 1.377 1.505 1.660 1.862 2.115 2.422 2.740 56
42 1.376 1.523 1.674 1.861 2.088 2.378 2.730 3.127 57
43 1.474 1.650 1.837 2.060 2.331 2.661 3.066 3.520 58
44 1.575 1.786 2.014 2.286 2.604 2.985 3.414 3.944 59
45 1.691 1.936 2.214 2.535 2.910 3.322 3.807 4.390 60
46 1.831 2.105 2.429 2.806 3.225 3.695 4.241 4.869 61
47 2.014 2.301 2.659 3.060 3.525 4.046 4.631 5.290 62
48 2.228 2.524 2.891 3.328 3.840 4.408 5.055 5.769 63
49 2.460 2.756 3.143 3.609 4.161 4.792 5.510 6.304 64
50 2.685 2.999 3.416 3.926 4.549 5.274 6.111 7.038 65
51 2.979 3.322 3.767 4.328 5.018 5.839 6.789 7.840 66
52 3.277 3.650 4.140 4.759 5.528 6.449 7.514 8.689 67
53 3.568 3.980 4.530 5.223 6.077 7.091 8.275 9.593 68
54 3.858 4.321 4.941 5.723 6.662 7.770 9.076 10.506 69
55 4.161 4.692 5.385 6.259 7.293 8.505 9.946 11.468 70
56 4.478 5.070 5.863 6.837 7.977 9.311 10.895 12.613 71
57 4.821 5.496 6.381 7.466 8.730 10.199 11.947 13.904 72
58 5.210 5.963 6.944 8.144 9.544 11.177 13.117 15.392 73
59 5.672 6.483 7.555 8.865 10.423 12.252 14.506 17.039 74
60 6.202 7.060 8.218 9.647 11.375 13.510 16.038 18.854 75
61 6.790 7.692 8.980 10.585 12.638 15.127 18.041 21.368 76
62 7.425 8.391 9.821 11.687 14.044 16.901 20.279 24.182 77
63 8.083 9.128 10.818 12.990 15.751 19.149 23.163 27.743 78
64 8.776 9.960 11.859 14.306 17.460 21.334 25.748 31.048 79
65 9.602 10.911 13.080 15.918 19.570 23.944 29.088 35.265 80
66 10.587 12.031 14.469 17.647 21.616 26.488 32.242 38.987 81
67 11.789 13.405 16.192 19.707 24.188 29.702 26.275 43.918 82
68 13.289 15.088 18.121 21.968 26.842 32.841 40.087 48.444 83
69 15.084 17.022 20.459 24.735 30.107 36.754 44.922 54.595 84
70 17.099 19.245 23.133 27.850 33.743 41.063 50.207 61.506 85
71 18.646 20.981 25.392 30.761 37.482 45.837 56.298 69.261 86
72 20.332 22.864 27.965 34.200 42.009 51.748 63.977 79.169 87
73 22.123 24.872 30.749 37.939 46.967 58.248 72.454 90.785 88
74 23.681 26.623 33.134 41.118 51.161 63.728 80.088 100.725 89
75 24.895 27.976 35.058 43.759 54.706 68.845 86.868 109.657 90
76 25.862 29.058 36.411 45.441 57.123 71.909 90.777 114.627 91
77 26.840 30.153 37.779 47.383 59.583 75.043 94.762 119.718 92
78 28.420 31.925 40.179 50.407 63.418 79.897 100.943 126.562 93
79 30.903 34.739 43.733 54.894 69.084 87.079 109.239 136.951 94
80 33.352 37.626 47.391 59.504 74.923 93.819 117.683 147.537 95
1987 MORTALITY ASSUMPTION PER 1000
FNSM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
--- ------ ------ ------ ------ ------ ------ ------ ------
0 0.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168
1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152
2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140
3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137
4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138
5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148
6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189
7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236
8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306
9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373
10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440
11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496
12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538
13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552
14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.591
15 0.317 0.382 0.442 0.492 0.527 0.548 0.594 0.567
16 0.384 0.444 0.475 0.506 0.527 0.587 0.570 0.547
17 0.451 0.482 0.498 0.514 0.583 0.566 0.547 0.529
18 0.460 0.486 0.502 0.564 0.567 0.538 0.520 0.507
19 0.449 0.480 0.540 0.538 0.530 0.501 0.488 0.475
20 0.426 0.504 0.513 0.506 0.492 0.459 0.456 0.442
21 0.445 0.489 0.502 0.492 0.476 0.444 0.449 0,445
22 0.425 0.470 0.490 0.480 0.464 0.442 0.439 0.434
23 0.415 0.456 0.482 0.472 0.461 0.442 0.437 0.436
24 0.398 0.440 0.467 0.468 0.461 0.446 0.440 0.444
25 0.387 0.423 0.457 0.462 0.465 0.454 0.454 0.464
26 0.369 0.404 0.436 0.446 0.459 0.459 0.464 0.476
27 0.369 0.397 0.427 0.448 0.466 0.478 0.491 0.507
28 0.375 0.401 0.429 0.454 0.478 0.498 0.516 0.545
29 0.387 0.410 0.437 0.468 0.500 0.524 0.556 0.592
30 0.402 0.430 0.462 0.491 0.528 0.566 0.599 0.646
31 0.411 0.449 0.480 0.518 0.558 0.602 0.646 0.702
32 0.413 0.455 0.494 0.535 0.580 0.630 0.690 0.755
33 0.404 0.455 0.502 0.553 0.609 0.669 0.738 0.807
34 0.391 0.454 0.512 0.574 0.643 0.712 0.785 0.861
35 0.391 0.466 0.535 0.614 0.689 0.767 0.845 0.932
36 0.391 0.482 0.568 0.657 0.745 0.828 0.920 1.015
37 0.405 0.507 0.607 0.710 0.806 0.899 0.999 1.107
38 0.435 0.553 0.674 0.787 0.895 0.997 1.108 1.233
39 0.474 0.617 0.748 0.873 0.991 1.108 1.232 1.374
40 0.512 0.672 0.817 0.957 1.078 1.202 1.345 1.502
41 0.548 0.726 0.893 1.040 1.172 1.311 1.460 1.624
42 0.594 0.797 0.979 1.144 1.298 1.450 1.610 1.789
43 0.628 0.848 1.048 1.231 1.399 1.560 1.728 1.920
44 0.661 0.897 1.118 1.319 1.493 1.666 1.847 2.050
45 0.697 0.953 1.191 1.410 1.596 1.781 1.977 2.195
46 0.734 1.007 1.264 1.505 1.715 1.915 2.129 2.373
47 0.771 1.070 1.349 1.613 1.856 2.078 2.312 2.580
48 0.806 1.138 1.447 1.740 2.026 2.281 2.539 2.840
49 0.843 1.212 1.556 1.887 2.215 2.508 2.811 3.145
50 0.879 1.296 1.677 2.045 2.410 2.754 3.100 3.472
51 0.941 1.419 1.852 2.262 2.675 3.074 3.469 3.871
52 1.010 1.554 2.037 2.496 2.947 3.393 3.821 4.264
53 1.087 1.694 2.235 2.731 3.223 3.686 4.148 4.633
54 1.174 1.848 2.440 2.977 3.492 3.971 4.461 4.983
55 1.271 2.019 2.670 3.238 3.778 4.272 4.776 5.337
56 1.389 2.214 2.925 3.535 4.092 4.593 5.127 5.731
57 1.532 2.444 3.224 3.879 4.439 4.971 5.545 6.188
58 1.701 2.721 3.584 4.279 4.868 5.443 6.056 6.735
59 1.903 3.046 3.994 4.746 5.389 6.012 6.665 7.367
60 2.134 3.405 4.450 5.269 5.992 6.661 7.350 8.077
61 2.398 3.792 4.936 5.843 6.646 7.360 8.088 8.857
62 2.697 4.193 5.437 6.459 7.315 8.087 8.866 9.700
63 3.031 4.657 6.000 7.103 7.992 8.813 9.650 10.554
64 3.409 5.207 6.638 7.774 8.695 9.562 10.447 11.431
65 3.832 5.790 7.312 8.466 9.444 10.361 11.313 12.413
66 4.292 6.366 7.970 9.175 10.240 11.249 12.319 13.628
67 4.802 6.888 8.556 9.888 11.102 12.271 13.564 15.114
68 5.356 7.370 9.085 10.598 12.036 13.494 15.089 16.953
69 5.962 7.847 9.603 11.315 13.074 14.903 16.894 19.180
70 6.609 8.304 10.104 12.049 14.181 16.466 18.980 21.757
71 7.251 9.104 11.077 13.198 15.514 18.020 20.766 23.728
72 7.950 9.975 12.127 14.436 16.975 19.710 22.653 25.879
73 8.694 10.901 13.240 15.764 18.531 21.470 24.667 28.175
74 9.344 11.704 14.215 16.920 19.859 23.006 26.425 30.166
75 9.847 12.334 14.980 17.812 20.899 24.202 27.787 31.715
76 10.256 12.843 15.588 18.532 21.737 25.161 28.882 32.959
77 10.664 13.352 16.205 19.259 22.577 26.129 29.989 34.212
78 11.314 14.164 17.184 20.412 23.924 27.685 31.764 36.230
79 12.285 15.376 18.645 22.142 25.949 30.018 34.435 39.272
80 13.278 16.608 20.136 23.910 28.012 32.398 37.161 42.376
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ------ ------ ------ ------ ------- ------- ------- --------
0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15
1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16
2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17
3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18
4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19
5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20
6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.502 21
7 0.304 0.368 0.434 0.486 0.524 0.535 0.516 0.482 22
8 0.371 0.436 0.488 0.527 0.538 0.530 0.495 0.463 23
9 0.438 0.491 0.530 0.541 0.543 0.508 0.476 0.450 24
10 0.493 0.532 0.543 0.557 0.521 0.489 0.462 0.432 25
11 0.535 0.546 0.571 0.535 0.502 0.475 0.445 0.420 26
12 0.549 0.585 0.548 0.515 0.488 0.457 0.432 0.399 27
13 0.588 0.562 0.528 0.501 0.470 0.444 0.410 0.404 28
14 0.564 0.541 0.514 0.482 0.457 0.422 0.417 0.405 29
15 0.544 0.522 0.495 0.469 0.434 0.429 0.418 0.408 30
16 0.525 0.508 0.477 0.447 0.442 0.431 0.421 0.410 31
17 0.512 0.494 0.462 0.457 0.446 0.436 0.424 0.403 32
18 0.494 0.479 0.448 0.446 0.440 0.433 0.418 0.395 33
19 0.465 0.457 0.430 0.434 0.432 0.428 0.411 0.394 34
20 0.439 0.439 0.415 0.423 0.421 0.419 0.412 0.399 35
21 0.448 0.454 0.438 0.438 0.435 0.432 0.432 0.421 36
22 0.441 0.452 0.445 0.440 0.443 0.449 0.454 0.450 37
23 0.444 0.461 0.456 0.452 0.463 0.472 0.474 0.491 38
24 0.458 0.476 0.483 0.480 0.497 0.511 0.530 0.551 39
25 0.479 0.502 0.515 0.524 0.545 0.577 0.597 0.621 40
26 0.496 0.526 0.544 0.563 0.596 0.633 0.661 0.683 41
27 0.535 0.572 0.591 0.624 0.662 0.703 0.733 0.751 42
28 0.580 0.622 0.651 0.686 0.726 0.772 0.803 0.834 43
29 0.632 0.695 0.726 0.759 0.801 0.845 0.887 0.927 44
30 0.706 0.776 0.809 0.843 0.883 0.934 0.980 1.034 45
31 0.776 0.851 0.887 0.925 0.974 1.032 1.087 1.155 46
32 0.834 0.916 0.955 1.005 1.059 1.124 1.192 1.272 47
33 0.889 0.980 1.034 1.094 1.166 1.253 1.339 1.425 48
34 0.948 1.046 1.115 1.191 1.290 1.399 1.492 1.606 49
35 1.031 1.135 1.215 1.308 1.422 1.537 1.642 1.776 50
36 1.119 1.235 1.328 1.434 1.556 1.686 1.806 1.947 51
37 1.222 1.352 1.456 1.563 1.695 1.842 1.982 2.118 52
38 1.365 1.512 1.608 1.721 1.857 2.017 2.179 2.324 53
39 1.527 1.679 1.783 1.903 2.055 2.239 2.449 2.612 54
40 1.661 1.832 1.937 2.064 2.231 2.448 2.693 2.904 55
41 1.803 1.989 2.113 2.264 2.466 2.720 3.022 3.317 56
42 1.988 2.201 2.349 2.537 2.765 3.058 3.407 3.785 57
43 2.130 2.383 2.578 2.809 3.087 3.422 3.826 4.261 58
44 2.275 2.580 2.827 3.117 3.449 3.837 4.261 4.775 59
45 2.443 2.796 3.108 3.457 3.854 4.271 4.750 5.315 60
46 2.645 3.041 3.410 3.827 4.270 4.751 5.291 5.895 61
47 2.909 3.324 3.733 4.172 4.669 5.202 5.778 6.404 62
48 3.218 3.646 4.058 4.538 5.085 5.667 6.307 6.984 63
49 3.554 3.980 4.412 4.922 5.510 6.161 6.875 7.631 64
50 3.878 4.332 4.795 5.353 6.024 6.781 7.626 8.520 65
51 4.303 4.798 5.287 5.902 6.645 7.507 8.471 9.491 66
52 4.733 5.272 5.811 6.489 7.321 8.292 9.375 10.518 67
53 5.154 5.749 6.359 7.122 8.048 9.117 10.325 11.613 68
54 5.573 6.242 6.936 7.804 8.823 9.990 11.325 12.718 69
55 6.010 6.762 7.558 8.536 9.658 10.935 12.411 13.883 70
56 6.469 7.324 8.229 9.323 10.565 11.971 13.595 15.269 71
57 6.963 7.938 8.957 10.180 11.562 13.112 14.907 16.831 72
58 7.526 8.613 9.747 11.105 12.640 14.371 16.367 18.632 73
59 8.193 9.364 10.605 12.089 13.803 15.752 18.101 20.626 74
60 8.958 10.197 11.535 13.155 15.065 17.371 20.012 22.823 75
61 9.807 11.110 12.604 14.434 16.737 19.449 22.511 25.867 76
62 10.725 12.120 13.786 15.937 18.599 21.730 25.304 29.273 77
63 11.676 13.185 15.185 17.714 20.859 24.620 28.902 33.584 78
64 12.676 14.387 16.647 19.509 23.123 27.429 32.128 37.584 79
65 13.869 15.761 18.360 21.706 25.917 30.785 36.296 42.689 80
66 15.292 17.378 20.310 24.064 28.626 34.056 40.232 47.195 81
67 17.028 19.363 22.729 26.873 32.033 38.188 45.263 53.163 82
68 19.195 21.794 25.436 29.957 35.548 42.224 50.020 58.642 83
69 21.788 24.588 28.717 33.729 39.871 47.255 56.053 66.089 84
70 24.699 27.798 32.472 37.977 44.687 52.795 62.647 74.455 85
71 26.933 30.306 35.642 41.947 49.639 58.933 70.248 83.842 86
72 29.368 33.025 39.254 46.637 55.634 66.533 79.830 95.836 87
73 31.955 35.926 43.162 51.735 62.199 74.891 90.407 109.898 88
74 34.206 38.455 46.509 56.070 67.754 81.936 99.933 121.931 89
75 35.959 40.409 49.210 59.671 72.449 88.515 108.392 132.742 90
76 37.357 41.973 51.109 61.964 75.650 92.454 113.271 138.758 91
77 38.768 43.555 53.029 64.613 78.907 96.483 118.243 144.922 92
78 41.051 46.115 56.397 68.737 83.986 102.725 125.955 153.207 93
79 44.493 50.179 61.386 74.856 91.490 111.958 136.308 165.782 94
80 48.175 54.349 66.521 81.142 99.222 120.624 146.844 178.597 95
1987 MORTALITY ASSUMPTION PER 1000
FPSM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
--- ----- ----- ----- ----- ----- ----- ----- ----- -----
0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 0.150
1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 0.138
2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 0.135
3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 0.136
4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 0.146
5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 0.188
6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 0.234
7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 0.304
8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 0.371
9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 0.438
10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 0.493
11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 0.535
12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 0.549
13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 0.590
14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.593 0.577
15 0.317 0.382 0.442 0.492 0.527 0.548 0.596 0.580 0.566
16 0.384 0.444 0.475 0.506 0.527 0.589 0.582 0.569 0.556
17 0.451 0.482 0.498 0.514 0.585 0.578 0.569 0.560 0.551
18 0.460 0.486 0.502 0.566 0.580 0.560 0.550 0.546 0.541
19 0.449 0.480 0.542 0.549 0.551 0.530 0.525 0.520 0.521
20 0.426 0.505 0.524 0.526 0.521 0.494 0.500 0.495 0.506
21 0.447 0.499 0.522 0.520 0.512 0.486 0.502 0.512 0.532
22 0.434 0.489 0.518 0.516 0.508 0.495 0.505 0.515 0.543
23 0.432 0.482 0.519 0.517 0.516 0.508 0.520 0.537 0.566
24 0.421 0.474 0.512 0.525 0.530 0.529 0.542 0.566 0.600
25 0.416 0.464 0.512 0.532 0.552 0.559 0.578 0.608 0.643
26 0.404 0.453 0.502 0.530 0.565 0.584 0.608 0.639 0.677
27 0.414 0.457 0.508 0.551 0.594 0.626 0.659 0.693 0.741
28 0.432 0.476 0.528 0.579 0.627 0.668 0.705 0.755 0.813
29 0.459 0.505 0.556 0.613 0.671 0.716 0.769 0.830 0.898
30 0.495 0.548 0.606 0.659 0.721 0.784 0.841 0.919 1.017
31 0.523 0.589 0.643 0.707 0.772 0.845 0.918 1.010 1.132
32 0.541 0.610 0.675 0.740 0.814 0.895 0.994 1.101 1.231
33 0.542 0.621 0.695 0.777 0.866 0.963 1.076 1.192 1.329
34 0.535 0.629 0.719 0.816 0.926 1.038 1.159 1.288 1.429
35 0.542 0.654 0.761 0.885 1.005 1.133 1.263 1.405 1.568
36 0.549 0.685 0.817 0.958 1.100 1.238 1.387 1.544 1.715
37 0.575 0.729 0.885 1.048 1.206 1.356 1.519 1.697 1.881
38 0.626 0.807 0.995 1.176 1.350 1.516 1.698 1.897 2.092
39 0.691 0.912 1.119 1.317 1.506 1.698 1.895 2.105 2.331
40 0.756 1.006 1.232 1.454 1.652 1.850 2.060 2.292 2.525
41 0.819 1.094 1.357 1.594 1.804 2.009 2.228 2.469 2.729
42 0.896 1.212 1.501 1.761 1.989 2.213 2.448 2.709 2.997
43 0.955 1.299 1.612 1.886 2.134 2.371 2.616 2.894 3.185
44 1.013 1.381 1.713 2.013 2.269 2.522 2.785 3.066 3.360
45 1.072 1.460 1.817 2.143 2.416 2.686 2.957 3.242 3.563
46 1.125 1.537 1.921 2.279 2.585 2.864 3.145 3.460 3.809
47 1.177 1.626 2.042 2.433 2.776 3.069 3.372 3.715 4.118
48 1.225 1.723 2.181 2.602 2.992 3.327 3.656 4.020 4.476
49 1.276 1.827 2.326 2.787 3.231 3.612 3.978 4.374 4.855
50 1.325 1.939 2.477 2.983 3.471 3.899 4.312 4.743 5.202
51 1.407 2.096 2.701 3.257 3.786 4.276 4.740 5.194 5.640
52 1.492 2.267 2.934 3.532 4.098 4.635 5.126 5.590 6.058
53 1.585 2.440 3.163 3.799 4.403 4.945 5.438 5.931 6.470
54 1.691 2.615 3.393 4.068 4.685 5.205 5.709 6.255 6.859
55 1.799 2.808 3.648 4.345 4.952 5.468 5.995 6.568 7.249
56 1.931 3.025 3.924 4.634 5.237 5.765 6.310 6.912 7.643
57 2.093 3.278 4.226 4.965 5.573 6.118 6.687 7.311 8.056
58 2.282 3.567 4.587 5.372 5.991 6.565 7.155 7.792 8.521
59 2.495 3.899 5.014 5.841 6.499 7.104 7.712 8.342 9.075
60 2.731 4.275 5.477 6.355 7.080 7.707 8.322 8.946 9.702
61 3.010 4.667 5.954 6.904 7.689 8.334 8.958 9.592 10.390
62 3.319 5.057 6.424 7.473 8.282 8.958 9.602 10.267 11.088
63 3.656 5.503 6.942 8.043 8.852 9.545 10.213 10.911 11.783
64 4.028 6.024 7.516 8.611 9.418 10.120 10.800 11.536 12.481
65 4.434 6.556 8.099 9.169 9.996 10.712 11.418 12.221 13.314
66 4.860 7.051 8.632 9.711 10.586 11.353 12.129 13.082 14.303
67 5.319 7.461 9.056 10.222 11.205 12.081 13.021 14.137 15.615
68 5.801 7.801 9.392 10.696 11.851 12.954 14.114 15.545 17.246
69 6.310 8.113 9.692 11.140 12.550 13.940 15.492 17.232 19.174
70 6.833 8.381 9.949 11.567 13.264 15.099 17.052 19.146 21.279
71 7.318 8.964 10.634 12.345 14.226 16.190 18.274 20.443 22.706
72 7.827 9.576 11.343 13.237 15.250 17.345 19.517 21.818 24.217
73 8.346 10.196 12.141 14.163 16.307 18.498 20.796 23.233 25.759
74 8.740 10.732 12.771 14.890 17.110 19.395 21.790 24.317 26.944
75 9.029 11.081 13.183 15.346 17.619 19.957 22.399 24.982 27.662
76 9.214 11.302 13.430 15.624 17.924 20.283 22.751 25.354 28.046
77 9.385 11.504 13.662 15.881 18.200 20.582 23.069 25.685 28.391
78 9.747 11.941 14.170 16.455 18.846 21.297 23.848 26.532 29.304
79 10.357 12.679 15.030 17.442 19.962 22.537 25.217 28.034 30.940
80 10.949 13.388 15.861 18.393 21.030 23.725 26.527 29.468 32.905
x [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ------ ------ ------ ------ ------ --------
0 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15
1 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16
2 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17
3 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18
4 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19
5 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20
6 0.302 0.366 0.432 0.484 0.522 0.532 0.641 21
7 0.368 0.434 0.486 0.524 0.535 0.632 0.626 22
8 0.436 0.488 0.527 0.538 0.623 0.618 0.613 23
9 0.491 0.530 0.541 0.615 0.609 0.605 0.605 24
10 0.532 0.543 0.605 0.601 0.597 0.598 0.592 25
11 0.546 0.596 0.592 0.588 0.590 0.585 0.585 26
12 0.587 0.583 0.580 0.582 0.578 0.578 0.568 27
13 0.574 0.572 0.574 0.570 0.571 0.562 0.592 28
14 0.563 0.566 0.563 0.564 0.555 0.586 0.612 29
15 0.553 0.555 0.557 0.549 0.580 0.606 0.638 30
16 0.547 0.544 0.542 0.574 0.600 0.633 0.664 31
17 0.541 0.539 0.570 0.597 0.629 0.660 0.672 32
18 0.537 0.537 0.574 0.611 0.647 0.670 0.674 33
19 0.526 0.531 0.579 0.620 0.659 0.674 0.685 34
20 0.521 0.532 0.583 0.622 0.660 0.687 0.703 35
21 0.559 0.581 0.622 0.658 0.693 0.730 0.751 36
22 0.576 0.607 0.640 0.683 0.729 0.778 0.813 37
23 0.604 0.637 0.670 0.722 0.778 0.823 0.900 38
24 0.639 0.687 0.720 0.786 0.853 0.933 1.022 39
25 0.686 0.742 0.796 0.874 0.975 1.064 1.167 40
26 0.729 0.794 0.867 0.968 1.084 1.193 1.298 41
27 0.803 0.875 0.974 1.089 1.219 1.338 1.439 42
28 0.884 0.975 4.085 1.210 1.354 1.479 1.612 43
29 1.000 1.102 1.215 1.350 1.495 1.646 1.806 44
30 1.131 1.243 1.366 1.501 1.667 1.835 2.024 45
31 1.256 1.380 1.512 1.669 1.856 2.042 2.251 46
32 1.369 1.499 1.655 1.830 2.030 2.231 2.470 47
33 1.477 1.636 1.815 2.023 2.253 2.496 2.755 48
34 1.591 1.778 1.985 2.228 2.505 2.770 3.092 49
35 1.739 1.945 2.171 2.447 2.741 3.036 3.405 50
36 1.899 2.119 2.371 2.667 2.996 3.327 3.703 51
37 2.072 2.312 2.574 2.894 3.259 3.620 3.978 52
38 2.307 2.545 2.822 3.156 3.539 3.931 4.310 53
39 2.552 2.809 3.108 3.465 3.882 4.363 4.783 54
40 2.773 3.040 3.344 3.716 4.189 4.737 5.227 55
41 2.999 3.288 3.623 4.055 4.596 5.226 5.867 56
42 3.291 3.611 4.009 4.490 5.079 5.788 6.577 57
43 3.520 3.913 4.382 4.926 5.586 6.386 7.270 58
44 3.763 4.237 4.780 5.409 6.153 6.983 7.960 59
45 4.026 4.578 5.209 5.937 6.725 7.606 8.651 60
46 4.304 4.936 5.664 6.460 7.310 8.274 9.411 61
47 4.623 5.308 6.064 6.901 7.814 8.861 10.023 62
48 4.981 5.667 6.444 7.339 8.349 9.483 10.713 63
49 5.340 6.019 6.825 7.799 8.900 10.130 11.466 64
50 5.678 6.388 7.280 8.361 9.599 11.006 12.536 65
51 6.141 6.908 7.869 9.037 10.410 11.973 13.666 66
52 6.618 7.444 8.479 9.754 11.258 12.968 14.817 67
53 7.076 7.983 9.116 10.499 12.114 13.972 15.995 68
54 7.529 8.529 9.782 11.264 12.987 14.984 17.118 69
55 7.990 9.102 10.470 12.062 13.900 16.047 18.253 70
56 8.474 9.698 11.188 12.902 14.870 17.169 19.598 71
57 8.988 10.327 11.945 13.798 15.909 18.379 21.075 72
58 9.541 10.988 12.733 14.734 17.022 19.687 22.747 73
59 10.142 11.683 13.539 15.708 18.202 21.228 24.536 74
60 10.793 12.413 14.384 16.725 19.571 22.867 26.615 75
61 11.486 13.240 15.395 18.117 21.350 25.217 29.555 76
62 12.232 14.128 16.575 19.616 23.385 27.772 32.762 77
63 12.982 15.173 17.950 21.567 25.959 31.072 36.797 78
64 13.811 16.207 19.380 23.424 28.329 33.815 40.296 79
65 14.742 17.523 21.126 25.717 31.127 37.382 44.767 80
66 15.935 18.992 22.942 27.809 33.696 40.528 48.383 81
67 17.396 20.819 25.082 30.451 36.957 44.574 53.258 82
68 19.180 22.809 27.360 33.052 39.946 48.134 57.370 83
69 21.184 25.199 30.130 36.241 43.687 52.676 63.100 84
70 23.436 27.870 33.165 39.691 47.664 57.457 69.341 85
71 24.991 29.905 35.796 43.056 51.926 62.845 76.114 86
72 26.622 32.184 38.865 47.095 57.183 69.616 84.755 87
73 28.300 34.559 42.077 51.359 62.742 76.803 95.459 88
74 29.582 36.344 44.483 54.535 66.671 83.384 104.008 89
75 30.338 37.510 46.145 56.807 70.954 88.817 111.154 90
76 30.738 37.975 46.681 58.261 72.779 91.112 114.027 91
77 31.091 38.383 47.809 59.678 74.558 93.340 116.825 92
78 32.068 40.094 49.947 62.354 77.902 97.535 122.289 93
79 34.273 42.857 53.395 66.659 83.288 104.514 131.041 94
80 36.454 45.590 56.801 70.917 88.853 111.498 139.771 95
1987 MORTALITY ASSUMPTION PER 1000
FSKM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
--- ------ ------ ------ ------ ------ ------ ------ ------ ------
0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 0.150
1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 0.138
2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 0.135
3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 0.136
4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 0.146
5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 0.188
6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 O.189 0.234
7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 0.304
8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 0.371
9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 0.438
10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 0.493
11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 0.535
12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 0.549
13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 0.915
14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.919 0.894
15 0.317 0.382 0.442 0.492 0.527 0.548 0.924 0.898 0.878
16 0.384 0.444 0.475 0.506 0.527 0.912 0.903 0.882 0.862
17 0.451 0.482 0.498 0.514 0.907 0.896 0.882 0.869 0.854
18 0.460 0.486 0.502 0.877 0.898 0.867 0.853 0.846 0.838
19 0.449 0.480 0.839 0.852 0.854 0.822 0.814 0.806 0.808
20 0.426 0.783 0.813 0.815 0.808 0.766 0.775 0.768 0.784
21 0.692 0.774 0.809 0.807 0.794 0.754 0.779 0.793 0.825
22 0.672 0.757 0.803 0.800 0.787 0.766 0.782 0.798 0.842
23 0.669 0.747 0.805 0.802 0.800 0.788 0.805 0.833 0.877
24 0.653 0.734 0.794 0.813 0.822 0.820 0.840 0.877 0.930
25 0.646 0.719 0.793 0.824 0.856 0.866 0.895 0.942 0.996
26 0.627 0.702 0.777 0.821 0.875 0.906 0.943 0.990 1.050
27 0.641 0.708 0.787 0.855 0.920 0.970 1.021 1.074 1.149
28 0.670 0.738 0.819 0.897 0.972 1.036 1.092 1.171 1.261
29 0.712 0.782 0.862 0.950 1.040 1.111 1.193 1.287 1.392
30 0.767 0.849 0.939 1.021 1.118 1.215 1.303 1.424 1.576
31 0.811 0.913 0.997 1.096 1.196 1.310 1.423 1.566 1.755
32 0.839 0.946 1.046 1.147 1.262 1.388 1.540 1.707 1.908
33 0.840 0.963 1.077 1.204 1.342 1.493 1.668 1.848 2.060
34 9.828 0.975 1.114 1.265 1.435 1.609 1.796 1.997 2.215
35 0.839 1.014 1.179 1.371 1.557 1.756 1.958 2.178 2.430
36 0.850 1.062 1.267 1.485 1.706 1.919 2.150 2.393 2.659
37 0.892 1.131 1.372 1.625 1.869 2.102 2.354 2.630 2.915
38 0.971 1.251 1.542 1.823 2.092 2.350 2.631 2.940 3.242
39 1.071 1.413 1.734 2.041 2.335 2.631 2.937 3.263 3.612
40 1.172 1.559 1.910 2.254 2.561 2.867 3.193 3.552 3.914
41 1.269 1.696 2.103 2.470 2.796 3.113 3.453 3.827 4.230
42 1.388 1.879 2.326 2.729 3.083 3.430 3.794 4.198 4.645
43 1.481 2.013 2.499 2.923 3.308 3.675 4.055 4.486 4.936
44 1.570 2.140 2.656 3.120 3.518 3.909 4.316 4.752 5.207
45 1.662 2.263 2.817 3.322 3.744 4.163 4.584 5.025 5.523
46 1.744 2.382 2.977 3.532 4.007 4.440 4.875 5.364 5.904
47 1.824 2.521 3.165 3.770 4.303 4.757 5.227 5.758 6.382
48 1.899 2.670 3.381 4.033 4.637 5.157 5.667 6.231 6.938
49 1.978 2.832 3.606 4.319 5.008 5.599 6.166 6.780 7.526
50 2.054 3.005 3.839 4.624 5.380 6.043 6.683 7.352 8.064
51 2.180 3.249 4.187 5.048 5.868 6.627 7.347 8.050 8.743
52 2.313 3.514 4.548 5.475 6.352 7.185 7.946 8.664 9.391
53 2.457 3.782 4.902 5.888 6.824 7.664 8.428 9.192 10.029
54 2.620 4.053 5.260 6.305 7.262 8.068 8.849 9.696 10.632
55 2.789 4.353 5.654 6.734 7.676 8.475 9.293 10.181 11.236
56 2.994 4.689 6.082 7.183 8.118 8.936 9.781 10.714 11.847
57 3.244 5.082 6.551 7.695 8.638 9.483 10.365 11.332 12.487
58 3.537 5.529 7.110 8.326 9.286 10.176 11.090 12.078 13.208
59 3.867 6.044 7.772 9.054 10.074 11.011 11.953 12.930 14.066
60 4.233 6.626 8.490 9.850 10.973 11.945 12.899 13.867 15.038
61 4.666 7.234 9.228 10.701 11.918 12.917 13.885 14.868 16.089
62 5.144 7.838 9.957 11.583 12.837 13.884 14.884 15.913 17.186
63 5.666 8.529 10.760 12.466 13.721 14.795 15.830 16.912 18.264
64 6.243 9.338 11.649 13.347 14.597 15.686 16.741 17.881 19.345
65 6.872 10.162 12.554 14.212 15.493 16.603 17.697 18.943 20.637
66 7.533 10.930 13.380 15.052 16.409 17.597 18.800 20.278 22.170
67 8.244 11.564 14.037 15.845 17.368 18.726 20.183 21.913 24.203
68 8.991 12.091 14.558 16.579 18.369 20.079 21.877 24.095 26.731
69 9.780 12.575 15.022 17.267 19.453 21.607 24.012 24.710 29.719
70 10.590 12.990 15.420 17.929 20.560 23.403 26.431 29.677 32.983
71 11.343 13.894 16.483 19.134 22.050 25.094 28.325 31.687 35.195
72 12.132 14.842 17.581 20.517 23.638 26.885 30.251 33.817 37.537
73 12.934 15.804 18.819 21.952 25.277 28.671 32.234 36.011 39.927
74 13.548 16.634 19.796 23.080 26.520 30.063 33.775 37.692 41.764
75 13.995 17.176 20.433 23.786 27.310 30.933 34.719 38.723 42.876
76 14.282 17.518 20.817 24.217 27.782 31.438 35.263 39.299 43.471
77 14.546 17.830 21.176 24.615 28.210 31.902 35.757 39.812 44.006
78 15.108 18.509 21.964 25.505 29.211 33.010 36.964 41.125 45.421
79 16.054 19.652 23.296 27.035 30.941 34.932 39.087 43.453 47.957
80 16.970 20.752 24.585 28.509 32.597 36.775 41.117 45.676 51.002
x [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ------ ------ ------ ------ ------- ------ --------
0 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15
1 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16
2 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17
3 0.145 0.184 0.228 0.296 0.360 0.425 O.476 18
4 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19
5 0.232 0.300 0,364 0.429 0.481 0.519 0.530 20
6 0.302 0.366 0.432 0.484 0.522 0.532 0.798 21
7 0.368 0.434 0.486 0.524 0.535 0.816 0.780 22
8 0.436 0.488 0.527 0.538 0.834 0.797 0.763 23
9 0.491 0.530 0.541 0.853 0.816 0.781 0.753 24
10 0.532 0.543 0.872 0.834 0.799 0.771 0.737 25
11 0.546 0.891 0.852 0.817 0.789 0.755 0.727 26
12 0.910 0.871 0.835 0.808 0.773 0.746 0.707 27
13 0.889 0.854 0.827 0.792 0.764 0.725 0.737 28
14 0.873 0.845 0.810 0.783 0.743 0.756 0.761 29
15 0.857 0.829 0.802 0.762 0.776 0.782 0.794 30
16 0.848 0.813 0.780 0.796 0.804 0.817 0.826 31
17 0.839 0.805 0.821 0.829 0.842 0.852 0.836 32
18 0.832 0.802 0.826 0.848 0.866 0.865 0.839 33
19 0.815 0.794 0.833 0.861 0.881 0.870 0.852 34
20 0.808 0.794 0.840 0.863 0.883 0.887 0.875 35
21 0.866 0.867 0.896 0.913 0.927 0.942 0.934 36
22 0.893 0.907 0.921 0.948 0.976 1.004 1.012 37
23 0.936 0.952 0.964 1.003 1.041 1.062 1.120 38
24 0.990 1.026 1.037 1.092 1.141 1.204 1.272 39
25 1.063 1.109 1.146 1.214 1.306 1.373 1.452 40
26 1.130 1.186 1.248 1.343 1.451 1.539 1.615 41
27 1.245 1.307 1.402 1.512 1.631 1.727 1.791 42
28 1.370 1.457 1.562 1.679 1.813 1.909 2.006 43
29 1.550 1.646 1.750 1.874 2.001 2.125 2.247 44
30 1.753 1.857 1.967 2.084 2.231 2.368 2.519 45
31 1.947 2.062 2.177 2.318 2.484 2.636 2.801 46
32 2.122 2.239 2.384 2.541 2.717 2.880 3.073 47
33 2.289 2.444 2.614 2.809 3.016 3.221 3.428 48
34 2.466 2.656 2.858 3.093 3.353 3.575 3.848 49
35 2.696 2.906 3.126 3.397 3.669 3.918 4.237 50
36 2.944 3.165 3.415 3.702 4.010 4.294 4.608 51
37 3.211 3.454 3.707 4.017 4.362 4.672 4.950 52
38 3.576 3.801 4.064 4.382 4.737 5.073 5.364 53
39 3.955 4.196 4.475 4.810 5.195 5.631 5.952 54
40 4.298 4.541 4.815 5.159 5.607 6.114 6.504 55
41 4.648 4.913 5.216 5.630 6.152 6.744 7.301 56
42 5.101 5.395 5.773 6.233 6.798 7.470 8.185 57
43 5.456 5.846 6.310 6.839 7.476 8.242 9.047 58
44 5.833 6.330 6.883 7.509 8.236 9.012 9.906 59
45 6.241 6.839 7.501 8.243 9.001 9.816 10.766 60
46 6.671 7.374 8.156 8.968 9.784 10.678 11.711 61
47 7.166 7.929 8.732 9.580 10.459 11.436 12.473 62
48 7.721 8.466 9.280 10.188 11.175 12.238 13.331 63
49 8.277 8.992 9.828 10.827 11.912 13.074 14.268 64
50 8.801 9.543 10.484 11.606 12.848 14.205 15.601 65
51 9.519 10.320 11.331 12.546 13.933 15.452 17.007 66
52 10.257 11.120 12.210 13.541 15.069 16.736 18.439 67
53 10.967 11.925 13.126 14.575 16.215 18.031 19.905 68
54 11.669 12.742 14.086 15.637 17.383 19.338 21.303 69
55 12.384 13.597 15.076 16.745 18.604 20.709 22.714 70
56 13.134 14.488 16.110 17.911 19.903 22.158 24.388 71
57 13.931 15.427 17.201 19.155 21.294 23.719 26.226 72
58 14.788 16.415 18.336 20.454 22.783 25.407 28.307 73
59 15.720 17.453 19.497 21.806 24.363 27.396 30.534 74
60 16.729 18.543 20.712 23.218 26.195 29.511 33.121 75
61 17.803 19.780 22.169 25.150 28.576 32.545 36.779 76
62 18.960 21.105 23.868 27.232 31.300 35.842 40.770 77
63 20.122 22.667 25.848 29.940 34.745 40.100 45.791 78
64 21.407 24.211 27.907 32.518 37.917 43.641 50.146 79
65 22.850 26.178 30.422 35.701 41.662 48.244 55.710 80
66 24.700 28.372 33.036 38.605 45.101 52.304 60.210 81
67 26.965 31.101 36.118 42.273 49.465 57.526 64.276 82
68 29.729 34.074 39.399 45.884 53.466 62.120 71.394 83
69 32.834 37.645 43.388 50.310 58.473 67.982 78.525 84
70 36.325 41.634 47.758 55.100 63.796 74.152 84.291 85
71 38.735 44.674 51.546 59.772 69.501 81.106 94.720 86
72 41.264 48.079 55.966 65.379 76.537 89.845 105.472 87
73 43.864 51.627 60.591 71.299 83.978 99.119 118.794 88
74 45.853 54.293 64.055 75.707 89.504 107.612 129.432 89
75 47.024 56.035 66.449 78.862 94.969 114.624 138.325 90
76 47.644 56.729 67.221 80.880 97.412 117.586 141.900 91
77 48.192 57.340 68.846 82.846 99.793 120.461 145.383 92
78 49.706 59.896 71.924 86.562 104.269 125.875 152.182 93
79 53.123 64.022 76.889 92.538 111.478 134.882 163.073 94
80 56.504 68.105 81.793 98.449 118.926 143.895 173.938 95
Memorandum Adden___ No. IV to the Reinsurance Agreement effective June 1, 1984
between the Life Insurance Company of Virginia and the North American
Reassurance Company.
Effective September 1, 1988, Memorandum Addendum No. I to the above referenced
Agreement shall be replaced by the following:
Effective September 1, 1988 the Single Premium Whole Life plan (Standard issues
only) shall be ceded to the North American Re under the above referenced
Reinsurance Agreement subject to the same terms and conditions of the Agreement
except as provided below:
1. Plan of Reinsurance:
A. Reinsurance of Life risks shall be on the risk premium basis. The risk
amount on the policy reinsured shall be calculated monthly and shall
be equal to the death benefit less the cash value. At the time of
issue, the Company shall cede to the North American Re the portion of
the initial risk amount in excess of its retention. Thereafter, the
Company and the North American Re shall keep the same proportionate
shares of the risk amount developed each month. However, increases in
the reinsured risk amount shall be limited to an ultimate maximum of
$1,000,000.
2. Reinsurance Administration:
A. Reinsurance shall be ceded using a bordereau format in accordance with
the suggested reporting details for Universal Life products as
indicated in Exhibit C of the basic Agreement, except that premiums
shall be reported and paid for on a monthly basis.
- 1 -
3. Reinsurance Premiums:
A. Life Premiums:
1) Until further notice, reinsurance premiums shall be at the rates
given in the attached Exhibit B. The North American Re guarantees
that premium rates for a given attained age, rating and duration
shall not exceed the higher of the rate shown in the attached
schedule (Exhibit B) for that age, rating and duration or the one
year term rate on the appropriate multiple of the applicable 1980
CSO table at the maximum statutory valuation rate approved in New
York State.
2) Reinsurance premiums are calendar month premiums payable at the
end of the month in which they become due.
4. Premium Tax Reimbursement:
A. The reinsurance premium rates applicable for the Single Premium Whole
Life plan of insurance take into consideration the Company's liability
for premium taxes. Accordingly, the North American Re shall make no
separate reimbursement to the Company for premium taxes on the portion
of the Company's premium paid to the North American Re as reinsurance
premiums.
- 2 -
IN WITNESS WHEREOF the Company and the North American Re have caused their names
to be subscribed and duly attested hereunder by their respective Authorized
Officers.
LIFE INSURANCE COMPANY OF VIRGINIA
By /s/ Illegible __ Vice President
-----------------, ------------------
Authorised Officer Title
Attest:
By /s/ Illegible Vice President Actuary
--------------------, ----------------------
Authorised Officer Title
Date: 3/22/90
NORTH AMERICAN REASSURANCE COMPANY
By /s/ Illegible ______________
--------------------, ---------------
Authorized Officer Title
Attest:
By /s/ Illegible ________________
-------------------, ----------------
Authorised Officer Title
Date: Mar. 30, 1990
- 3 -
Reinsurance Premiums
I. Plan: Single Premium Whole Life (Standard Issues Only)
II. Standard Reinsurance Risk Premiums: Reinsurance on the above plan shall be
ceded on a bordereau basis employing monthly reinsurance premiums. The
reinsurance premiums shall equal one-twelfth the rates attached to this
Exhibit B, less the following percentage reduction:
All Policy Years
----------------
10%
III. Maximum Amount of Reinsurance On One Life on These Reinsurance Premiums:
$3,000,000.
IV. Reinsurance Premiums For Policies Converted To The Single Premium Whole
Life Plan: Any reinsurance in force with the North American Re on policies
converted to or reissued on the above plan shall be continued with the
North American Re. The reinsured risk amount shall be determined as
described in Paragraph I of this Addendum following the conversion or
reissue. The applicable reinsurance premiums will be determined as
described in this Exhibit B, with age and duration measured from the date
of issue of the original policy.
V. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
LIFE INSURANCE COMPANY OF VIRGINIA
Single Premium Whole Life
Annual Cost per $1,000
SPWL COST FACTORS - FEMALE
DUR 0 1 2 3 4 5 6 7
--- ------- ------- ------- ------- ------- ------- ------- -------
0 3.3060 .7450 .4624 .3516 .2817 .2507 .2156 .1967
1 .7551 .4705 .3578 .2867 .2551 .2194 .2002 .1778
2 .4788 .3641 .2_17 .2596 .2232 .2037 .1807 .1637
3 .3705 .2969 .2642 .2272 .2073 .1837 .1663 .1597
4 .3021 .2689 .2312 .2109 .18_8 .1685 .1620 .1609
5 .2736 .2353 .2147 .1899 .1715 .1644 .1630 .1725
6 .2394 .2185 .1930 .1741 .1668 .16_2 .1746 .2210
7 .2223 .1962 .17_9 .1692 .1675 .1768 .2236 .2756
8 .1995 .1796 .1717 .1697 .1790 .2261 .2785 .3576
9 .1824 .1742 .1720 .1812 .22_7 .2_14 .3610 .4354
10 .1767 .1743 .1835 .2314 .2843 .3644 .4391 .5143
11 .1767 .1858 .2340 .2873 .3678 .4428 .5181 .5792
12 .1881 .2367 .2903 .3713 .4465 .5219 .5835 .6279
13 .2394 .29_3 .3748 .4503 .5258 .5_79 .6326 .6442
14 .2964 .3783 .4540 .5297 .5922 .6373 .6490 .6279
15 .3762 .4522 .5224 .5798 .6199 .6428 .6326 .6117
16 .4560 .52_2 .5617 .5966 .6199 .62_3 .6162 .5988
17 .5244 .5602 .5735 .5966 ._143 .6043 .5926 .5805
18 .5244 .5545 .5729 .5854 .5977 .5754 .5637 .5571
19 .5016 .5375 .5504 .5576 .5579 .5357 .5296 .5231
20 .4674 .5036 .5224 .5233 .5182 .4907 .4957 .4893
21 .4275 .4753 .4938 .4892 .4786 .4514 .4620 .4648
22 .4130 .4614 .4852 .4794 .4675 .4498 .4526 .4542
23 .4087 .4518 .4813 .4743 .4669 .4523 .4538 .4595
24 .3969 .4406 .4702 .4742 .4706 .4602 .4603 .4700
25 .3900 .4280 .4641 .4728 .4800 .4738 .4780 .4917
26 .3828 .4210 .45_8 .4712 .4897 .4942 .5027 .5165
27 .3886 .4201 .4556 .4819 .5056 .5206 .5356 .5520
28 .4080 .4389 .4736 .5054 .5339 .55_3 .5740 .6032
29 .4347 .4647 .4985 .5355 .5725 .5979 .6292 .6646
30 .4690 .5047 .5437 .5772 .6175 .6572 .6895 .7360
31 .5112 .5598 .5960 .6395 .6825 .7296 .7735 .8304
32 .5550 .6093 .6567 .70_6 .7551 .8092 .8747 .9442
33 .5852 .6530 .7122 .7760 .8420 .9114 .9907 1.0669
34 .6084 .6980 .7764 .8570 .9448 1.0294 .1.1184 1.2046
35 .6400 .7519 .8498 .9597 1.0579 1.1577 1.2519 1.3519
36 .6560 .7957 .9214 1.0480 1.1674 1.2732 1.3844 1.4927
37 .6960 .8561 1.0074 1.1566 1.2894 1.4067 1.52_0 1.6498
38 .7520 .9394 1.1223 1.2856 1.4304 1.5554 1.6848 1.8231
39 .8240 1.0531 1.2512 1.4277 1.5801 1.7224 1.8608 2.0066
40 .9120 1.1742 1.3943 1.5921 1.7491 1.8949 2.0473 2.2059
41 1.0000 1.2951 1.5529 1.7631 1.9307 2.0854 2.2396 2.4008
42 1.0880 1.4241 1.7040 1.9337 2.1183 2.2813 2.4407 2.6097
43 1.1760 1.54_4 1.8549 2.1038 2.3051 2.4761 2.6392 2.8153
44 1.2640 1.6666 2.0056 2.2804 2.4862 2.6690 2._418 3.017_
45 1.3600 1.7954 2.1633 2.4666 2._854 2.8784 3.0579 3.2333
46 1.4560 1.9257 2.3297 2.6727 2.92_6 3.131_ 3.3209 3.5222
47 1.5520 2.0779 2.5250 2.90_3 3.2069 3.4281 3.6360 3.8577
48 1.6480 2.24_3 2.7493 3.1743 3.5328 3.7__0 4.0236 4.2681
49 1.7520 2.4280 2.9953 3.4766 3._992 4.2093 4.4785 4.7487
50 1.85_0 2.6335 3.26_0 3.8053 4.2802 4._495 4.9656 5.2664
51 1.9__0 2._4__ 3.55_0 4.1488 4._6_3 5.09_1 5.4558 5.7672
DUR 8 9 10 11 12 13 14 ULT
--- ------- ------ ------ ------ ------ ------ ------ ------
0 .1749 .1587 .1529 .1524 .1_20 .20_4 .25_2 .3316
1 .1612 .1552 .1545 .1641 .20_8 .25_9 .3348 .4070
2 .1574 .1566 .16_1 .2112 .2616 .3380 .41_5 .4846
3 .1587 .1682 .2136 .2643 .3412 .4140 .4883 .5459
4 .1703 .21_1 .2671 .3444 .4175 .4919 .549_ .5918
5 .21_5 .2699 .3477 .4210 .4_56 .5540 .5962 .6071
6 .2727 .3510 .4246 .4993 .5582 .6006 .6116 .5918
7 .3543 .4282 .5030 .5623 .6051 .6162 .5962 .5765
8 .4318 .5067 .5665 .6096 .6208 .6006 .5808 .5620
9 .5105 .5707 .6142 .6254 .6051 .5851 .5665 .5528
10 .57_0 .6187 .6300 .6096 .5895 ._710 .5575 .5387
11 .6233 .6347 .6142 .5939 .5756 .5622 .5435 .5296
12 .6394 .6187 .5983 .5_01 .56_9 .5484 .5347 .5109
13 .6233 .6027 .5847 .5717 .5533 .5397 .5160 .5274
14 .6072 .5894 .5766 .5582 .5449 .5212 .5333 .5386
15 .5941 .5761 .5633 .5500 .5264 .5391 .5451 .5540
16 .5810 .5683 .5500 .5316 .5451 .5516 .5612 .5687
17 .5681 .5552 .5369 .5511 .5583 .5685 .5768 .5693
18 .5499 .5423 .5264 .5450 .5613 .5754 .5779 .5655
19 .5214 .5219 .5110 .5390 .5594 .5772 .57_2 .5699
20 .4963 .5069 .5009 .53_0 .5526 .5714 .5809 .5819
21 .4767 .4922 .50_8 .5271 .5486 .5698 .5943 .6047
22 .4704 .4896 .5067 .5252 .55_0 .5838 ._1_2 ._372
23 .4742 .4972 .5172 .5373 .5750 ._138 ._44_ .6_98
24 .4886 .5103 .5420 .5630 .6092 ._548 .7107 .7741
25 .5096 .5334 .5711 ._0_1 .6594 .7292 .7893 ._601
26 .5369 .5674 ._104 .6585 .7270 .8_65 .8794 .9500
27 .5793 .6154 .6626 .7295 .80_1 .8968 .9779 1.0477
28 .6364 .6769 .7372 .8102 .8942 .9919 1.0766 1.1661
29 .7027 .7653 .8316 .9054 .9941 1.0914 1.1921 1.2981
30 .7959 .5648 .9366 1.0152 1.1035 1.2123 1.3219 1.4481
31 .9075 .9819 1.0582 1.1402 1.2387 1.3556 1.4722 1.6084
32 1.0275 1.1119 1.191_ 1.2886 1.3953 1.5194 1.6462 1.7955
33 1.1559 1.2501 1.3451 1.4505 1.5740 1.7132 1.8532 1.9_86
34 1.2986 1.4031 1.512_ 1.6312 1.7757 1.9335 2.0707 2.2382
35 1.4619 1.5715 1._955 1.8315 1.99_3 2.1622 2.3147 2.5063
36 1.60_2 1.7237 1._594 2.0102 2.1_34 2.3688 2.5370 2.7280
37 1.7714 1.8956 2.0415 2.1933 2.3785 2.5811 2.7_71 2.9358
38 1.9516 2.____ 2.2251 2.3856 2.57__ 2.7945 3.0041 3.1851
39 2.1522 2.2803 2.4239 2.5866 2.7857 3._169 3.2746 3.4614
40 2.3522 2.4987 2.6375 2.80_5 3.0058 3.2690 3._619 3.789_
41 2.5648 2.7183 2.8652 3.03__ 3.2643 3.5485 3.8729 4.167_
42 2.7842 2.95_3 3.1110 3.3141 3.55_5 3.3582 4.2103 4.57_6
43 2.9888 3.1872 3.3867 3.6193 3.____ 4.2010 4.5727 4.9517
44 3.1896 3.4395 3.6819 3.9506 4.2459 4.5794 4.9232 5.3300
45 3.4213 3.7134 4.00_9 4.3069 4._3_3 4.9549 5.3012 5.6975
46 3.7299 4.0547 4.3899 4.7472 5.0991 5.4484 5._1_7 6.2189
47 4.1202 4.4491 4.__08 5.1947 5._914 5.9853 6.3_17 6.7990
48 4.5772 4.__73 5.2625 5.66_9 _.1131 6.__17 7.023_ 7.4689
49 5.0752 5.3704 5.7422 6.1745 6.6684 7.1855 7.7152 8.2217
50 5.5551 5.____ 6.2457 6.7114 7.261_ 7.__88 8._582 9.03_6
51 6.____ 6.3_21 _.777_ 7.2__2 7.____ 8.5555 9.24_3 9._206
SPW__emale
52 2.0880 3.0766 3.85_9 4.5003 5.0534 5.5240 5.9010 6.2342
53 2.2160 3.3067 4.15_4 4.8390 5.4259 5.8981 6.2869 _.6506
54 2.3600 3.5447 4.4605 5.1787 5.7749 6.2310 6._371 7.0388
55 2.5120 3.8058 4.7922 5.5318 6.1305 6.5813 6.9933 7.4214
56 2._960 4.0977 5.1558 5.9265 6.5190 6.9829 7.3911 7._490
57 2.9200 4.4411 5.5776 6.3834 6.9602 7.4196 7.8720 8.3441
58 3.1840 4.8532 6.0866 6.9303 7.5133 8.0014 _.4656 8.9405
59 3.4960 5.3339 ___0757 7.5673 8.1915 8.7021 9.1721 9.6382
60 3.8480 5.8_81 7.3229 8.2735 _____ 9.4903 9.9676 10.4203
61 4.2560 6.4382 8.0133 9.0598 9.828_ 10.3853 10.8821 11.3582
62 4.7120 7.0171 8.7062 9.8_51 10.7015 11.3075 11.8429 12.3714
63 5.2160 7.6810 9.4745 10.7427 11.5740 12.2190 12.8024 13.4038
64 5.7760 8.460_ 10.3480 11.6258 12.4728 13.1515 13.7846 14.4729
65 6.3920 9.2805 11.2613 12.5276 13.4249 14.1565 14.8631 15.6842
66 7.0560 10.0794 12.1548 13.4773 14.4976 15.3588 16.22_2 17.3222
67 7.7840 10.7810 12.9287 14.4366 15.6731 16.7576 17.9282 19.3419
68 8.5680 11.4078 13._187 15.3981 16.9_02 18.4508 20.0309 21.8778
69 9.4160 12.0291 14.2983 16.3763 18.4054 20.4210 22.5632 24.9603
70 10.3200 12.6215 14.9599 17.3905 19.9658 22.6497 25.5021 28.5694
71 11.2960 15.4378 19.0084 21.3244 23.4699 25.8361 28.4240 31.6778
72 12.3440 16.8606 20.8255 23.4517 25.8971 28.5790 31.4385 35.0271
73 13.4480 18.4296 22.8472 25.8198 28.5735 31.5374 34._818 38.5444
74 14.6720 20.17_8 25.0990 28.4256 31.4771 34.7268 38.0835 42.1731
75 16.0240 22.1111 27.5684 31.2556 34.5930 38.0598 41.5844 45.1449
52 6.5450 6.9005 7.3333 7.8882 8.5575 9.3017 10.0885 10._425
53 7.0136 7.4089 7.9033 8.52_5 9.2601 10.0795 10.9572 11._128
54 7.4663 7.9223 8.4875 9.1947 10.0047 10.8928 11.8593 12.7728
55 7.9296 8.4508 9.1049 9.9106 10.7999 11.7653 12.8315 13.7845
56 8.____ 9.0095 9.7698 10.6757 11.65_2 12.7168 13.8962 15.0069
57 8.9042 9.6235 10.4870 11.5034 12.59_4 13.7710 15.0_28 1_.3_15
58 9.____ 10.29_0 11.2612 12.3893 13._145 14.9396 16.4100 17.9994
59 10.1823 11.0479 12.0971 13.3334 14.71_8 1_.2267 1_._017 19.7851
60 10.98_4 11.8784 13.0090 14.3625 15.9159 17.7492 19.7615 21.7772
61 11.97_0 12.9245 14.1808 15.7036 17.6050 19.7703 22.1204 24.5311
62 13.0630 14.0972 15.4881 17.2959 19.4957 22.0139 24.7451 27.61_4
63 14.1965 15.3476 16.9866 19.0480 21.5842 24.4_58 27._462 30.8519
64 15.4024 16.7752 18._287 20.9810 23.8890 27.2279 30.6241 34.3734
65 16.8562 18.42_0 20.5118 23.1759 2_.46_7 30.0634 33.8897 38.1041
66 18.7619 20.6015 22.9893 26.0403 29.6252 33.71_4 38.1186 42.8159
67 21.1235 23.2711 25.9792 29.2471 33.2282 37.7__2 42.7_54 48.0527
68 24.0721 26.5673 29.4592 33.0160 37.3416 42.3459 47.9533 53.7966
69 27.63_8 30.3942 33.5666 37.3724 41.9834 47.3806 53.6077 60.3969
70 31.6893 34.8396 3_.3039 42.3137 47.1652 52.9196 59.7875 67.8029
71 3_.13_8 38.685_ 42.8758 47.3592 52.7546 59.4417 67.4328 76.0977
72 38.743_ 42.5211 47.2453 52.2492 53.57_1 6_.2416 75._067 85.3327
73 42.4908 4_.7394 51.9814 57.8538 65.0841 73.8326 85.1643 96.1786
74 4_.5918 51.3034 57.4128 6_.1052 72.3349 82.2545 96.1376 .0000
75 51.0317 5_.52_2 63.45_7 71.0_25 80.3629 92.04_9 .0000 .0000
LIFE INSURANCE COMPANY OF VIRGINIA
Single Premium Whole Life
Annual Cost per $1,000
SPWL COST FACTORS - MALE
DUR 0 1 2 3 4 5 6 7
--- ------ ------ ------ ------ ------ ------ ------ ------
0 5.8000 1.2917 .7922 .5951 .4710 .4139 .3514 .3165
1 1.3300 .8138 .6130 .4852 .4265 .3622 .3263 .2891
2 .8400 ._313 .4998 .4395 .3732 .3363 .2973 .2690
3 .6500 .5147 .4527 .3845 .3466 .3_57 .2760 .2653
4 .5300 .4662 .39_1 .3571 .3142 .28_0 .2714 .2700
5 .4800 .4079 .3678 .3229 .2902 .2776 .2756 .2925
6 .4200 .3788 .3318 .2975 .2840 .2812 .2978 .3725
7 .3900 .3408 .3048 .2903 .2868 .3031 .3792 .4615
8 .3500 .3124 .2968 .2925 .3084 .3859 .4698 .5951
9 .3200 .3034 .2983 .3138 .3927 .47_1 .60_7 .7199
10 .3100 .3041 .3192 .3995 .48_4 .6163 .7327 .8450
11 .3100 .3246 .4063 .4947 .6269 .7454 .8598 .9530
12 .3300 .4131 .5031 .637_ .7582 .8747 .9696 1.0347
13 .4200 .5115 .6484 .7711 .8897 .9862 1.0524 1.0629
14 .5200 .6592 .7840 .9046 1.0028 1.0702 1.0809 1.0376
15 .6600 .7871 .9004 .9909 1.0505 1.0805 1.0549 1.0122
16 .8000 .9151 .9685 1.0201 1.0514 1.0539 1.0239 .9942
17 .9200 .9744 .9980 1.0208 1.0428 1.0179 .9925 .9674
18 .9200 .9647 .9887 1.0023 1.0155 .9716 .9469 .9315
19 .8800 .9354 .9503 .9551 .9496 .9063 .8923 .8778
20 .8200 .8765 .9021 .8978 .8833 .8328 .8377 .8240
21 .7500 .8274 .8536 .84_5 .8180 .76__ .7830 .7811
22 .7000 .7776 .8137 .8006 .7782 .7468 .7486 .7437
23 .5700 .7378 .7836 .77_4 .7573 .7302 .7286 .7331
24 .6300 .6979 .7439 .7498 .7419 .7229 .7197 .7311
25 .6000 .6582 .7139 .7265 .7360 .7245 .7283 .7458
26 .5800 .6385 .6928 .7142 .7413 .7464 .7570 .7739
27 .5800 .6279 .6814 .7208 .7556 .7769 .7965 .8170
28 .5000 .6467 .6988 .7459 .7879 .8194 .8429 .8821
29 .6300 .6752 .7256 .7802 .8338 .8694 .9124 .9602
30 .6700 .7232 .7808 .8296 .8875 .9434 .9876 1.0506
31 .7171 .7882 .8412 .9041 .9652 1.0313 1.0915 1.1726
32 .7650 .8432 .9116 .9786 1.0512 1.1265 1.2199 1.3194
33 .7931 .8888 .9727 1.0623 1.1543 1.2531 1.3__2 1.4756
34 .8112 .9350 1.0439 1.1553 1.2786 1.3984 1.5224 1.6493
35 .8400 .9917 1.1252 1.2765 1.4136 1.5543 1.6889 1.8328
36 .8856 1.0783 1.2537 1.4316 1.6012 1.7536 1.9147 2.0734
37 .9657 1.1920 1.4075 1.6218 1.8145 1.9866 2.1630 2.3474
38 1.0716 1.3428 1.6092 1.8492 2.0640 2.2516 2.4469 2.65_4
39 1.2051 1.5444 1.8402 2.1056 2.3371 2.5547 2.7680 2.9934
40 1.3680 1.7658 2.1021 2.4065 2.6506 2.8788 3.1191 3.3684
41 1.4750 1.9192 2.3125 2.6385 2.9040 3.1530 3.4045 3.6697
42 1.5776 2.0792 2.5058 2.8646 3.1620 3.4324 3.7027 3.9931
43 1.6758 2.2224 2.6930 3.0846 3.4146 3.7073 3.9957 4.3122
44 1.7696 2.3601 2.8742 3.3088 3._542 3.9761 4.2924 4.6271
45 1.8700 2.5029 3.0594 3.5410 3.91_9 4.26_3 4.6102 4.9631
46 2.0020 2.6846 3.2948 3.8369 4.2675 4._41_ 5.0069 5.4065
47 2.1340 2.8968 3.5711 4.1723 4.6762 5.0811 5.4820 5.9214
48 2.2660 3.1303 3.8883 4.5569 5.1515 5.6264 6._664 6.5513
49 2.4090 3.3849 4.23_2 4.9909 5.___8 6.2388 6.7521 7.2890
50 2.5520 3.6714 4._147 5.4629 6.2413 6.__12 7.48__ 8.0885
51 2.7060 3.971_ 5.0355 5.9674 6.6264 7.5813 8.2590 8.8952
DUR 8 9 10 11 12 13 14 ULT
--- ------ ------- ------- ------- ------- ------- ------- -------
0 .2810 .2555 .2473 .2482 .26_4 .3330 .4048 .5121
1 .2622 .2532 .2536 .2716 .3395 .412_ ._223 .6200
2 .2592 .2590 .2768 .3480 .4205 .5326 .5323 .7283
3 .2645 .2820 .3526 .4289 .5429 .6447 .7427 .8228
4 .2872 .3592 .4370 .5532 .6571 .7571 .8389 .8946
5 .3659 .4452 .5637 .6696 .7716 .8550 .9120 .9205
6 .4533 .5741 .6821 .7862 .8712 .9293 .9382 .9000
7 .5846 .6947 .8008 .8875 .9467 .9558 .9171 .8794
8 .7073 .8155 .9038 .9642 .9736 .9342 .8959 .8638
9 .8302 .9201 .9817 .9913 .9513 .9124 .8800 .85_1
10 .93_6 .9993 1.0092 .9685 .9269 .8963 .8721 .8405
11 1.0170 1.0270 .9857 .9455 .9125 .8882 .85_2 .8327
12 1.0449 1.0029 .9621 .9288 .9043 .8720 .8483 .8094
13 1.0202 .9788 .9451 .9204 .8878 .8__9 .8245 .8319
14 .9954 .9614 .93__ .9037 .8796 .8397 .8486 .8457
15 .9778 .9441 .9195 .8953 .8550 .8653 .8638 .8660
16 .9_02 .9355 .9025 .8702 .8822 .8820 .8857 .8852
17 .9426 .9161 .8855 .8991 .9003 .9055 .9065 .8820
18 .9162 .9008 .8656 .8863 .9020 .9129 .9045 .8697
19 .8721 .8646 .8378 .8736 .8957 .9123 .8940 .8700
20 .8282 .8376 .8188 .8612 .8818 .8973 .8967 .8816
21 .7937 .8111 .8162 .84__ .8762 .8891 .9109 .9093
22 .76_8 .7879 .8073 .82_0 .8574 .8910 .9248 .9390
23 .7513 .7814 .8040 .8253 .8712 .9165 .9470 1.0180
24 .7553 .7820 .8222 .8443 .9021 .9562 1.0293 1.1114
25 .7677 .7970 .8454 .8877 .9542 1.0482 1.1267 1.2166
26 .7994 .8383 .8940 .9547 1.0484 1.1566 1.2538 1.3460
27 .8524 .8991 .9601 1.0528 1.1614 1.2831 1.3925 1.4845
28 .9256 .9780 1.0622 1.1640 1.2807 1.4156 1.5312 1._522
29 1.0101 1.0985 1.1916 1.2948 1.4188 1.5542 1.6934 1.8393
30 1.1355 1.2331 1.3346 1.4452 1.5694 1.7222 1.8755 2.0518
31 1.2825 1.3884 1.4971 1._139 1.7540 1.9201 2.0856 2.2788
32 1.4384 1.5595 1.6747 1._136 1.9671 2.1457 2.3286 2.5437
33 1.6034 1.7392 1.67_9 2.0301 2.2096 2.4124 2.6175 2.8315
34 1.7851 1.9367 2.0966 2.2704 2.4821 2.7146 2.9202 3.1710
35 1.9919 2.1522 2.3343 2.5352 2.7787 3.0289 3.2595 3.5509
36 2.2409 2.4156 2.6176 2.8432 3.1030 3.3830 3._418 3.9365
37 2.5300 2.7178 2.9387 3.1699 3.4517 3.7617 4.0502 4.3163
38 2.8531 3.0607 3.2749 3.5233 3.8185 4.15_7 4.4849 4.7727
39 3.2199 3.4223 3.6477 3.9042 4.2173 4.5810 4.9875 5.2884
40 3._009 3.8320 4.0584 4.3201 4.6486 5.0686 5.53_6 5.9059
41 3.9429 4.2037 4.4582 4.7537 5.1460 5.6330 6.1929 6.7159
42 4.2983 4.5976 4.8957 5.2690 5.7160 6.2719 6.9273 7.6235
43 4.6342 5.0054 5.3907 5.8433 6.3678 6.9948 7.7430 8.5371
44 4.9671 5.4442 5.9288 6.4776 7.0968 7.8116 8.5824 9.5093
45 5.3514 5.9246 6.5181 7.1735 7.9052 8.6615 9.5164 10.5225
46 5.8340 6.4690 7.1518 7.9067 8.6943 9.5242 10.4454 11.4884
47 6.4444 7.0981 7.8536 8.8519 9.5338 10.4628 11.4740 12.55_8
48 7.1592 7.3132 8.5732 9.4419 10.4231 11.4705 12._088 13.7940
49 7.93__ 8.5680 9.8547 10.2840 11.3701 12.5609 13.8498 15.1842
50 8.7_43 9.3629 10.1749 11.17_2 12._815 13.7204 1_.1837 16.6893
51 9.5327 10.24_4 11.1233 12.2332 13.5755 15.1101 16.7928 18.3529
SPWL-MALE
52 2.8710 4.2943 5.4684 6.4854 7.4072 8.2419 8.9693 9.6620
53 3.0470 4._184 5.9032 6.9868 7.9738 8.8217 9.5946 10.35_9
54 3.2450 4.9539 6.3399 7.4916 8.5087 9.3582 10.1699 11.0140
55 3.4540 5.3220 6.8200 8.0176 9.05_0 9.9169 10.7588 11.6681
56 3.7070 5.7302 7.3375 8.5896 9.6299 10.4919 11.3707 12.3404
57 4.0150 6.2104 7.9377 9.2519 10.2816 11.1801 12.1105 13.1188
58 4.3780 6.78_7 8.6622 10.0446 11.0987 12.05_8 13.0238 14.0565
59 4.8070 7.4589 9.5004 10.9678 12.1006 13.1125 14.1106 15.1535
60 5.2910 8.2059 10.4215 11.9913 13.2484 14.3003 15.3344 16.3831
61 5.8520 8.9955 11.3840 13.0951 14.4643 15.5729 16.6405 17.7908
62 6.4790 9.7958 12.34_4 14.2491 15.6899 16.8738 18.0562 19.30_3
63 7.1720 10.7135 13.4124 15.4432 16.9058 18.1925 19.4620 20.8412
64 7.9420 11.7913 14.6232 16.6674 18.1877 19.5367 20.8946 22.4227
65 8.7890 12.9224 15.8858 17.9390 19.5432 20.9826 22.4651 24.2131
66 9.7020 14.0194 17.1250 19.2611 21.0463 22.6812 24.4112 26.3999
67 10.7030 14.9865 18.1930 20.5919 22.6908 24.6581 2_.6864 29.1081
68 11.7810 15._488 19.1407 21.9214 24.4885 26.9172 29.5043 32.5125
69 12.9470 16.7022 20.0716 23.2698 26.3978 29.5387 32.8902 3_.637_
70 14.1900 17.5146 20.9752 24.5897 28.4459 32.4871 36.7936 41.4265
71 15.5320 21.3973 26.5330 29.9487 33.1337 36.6305 40.4351 45.3350
72 16.9730 23.3181 28.9404 32.7149 3_.2292 40.0558 44.2375 49.4832
73 18.4910 25.4321 31.6094 35.7771 39._132 43.8111 48.27_2 53.7604
74 20.1740 27.7821 34.5714 39.1252 43.3356 47.8186 52.4475 58.0838
75 22.0330 30.3790 37.8056 42.7998 47.2970 51.9523 5_.6659 62.7666
52 10.3531 11.1527 12.1238 13.3571 14.5624 1_.59_7 18.5225 20.5252
53 11.1566 12.0514 13.1614 14.5512 1_.2296 1_.1652 20.3414 22.8076
54 11.9430 12.9689 14.2367 15.8246 17._934 19.8274 22.4170 25.1488
55 12.7544 13.9220 15.3823 17.1943 19.2710 21.7709 24.6935 27.6736
56 13.5168 14._424 1_.5057 18.5217 20.9295 23.6873 2_.9329 30.3575
57 14.3220 15._540 17.7173 20.0695 22.7519 25.8204 29.4410 33.4114
58 15.2556 1_.9651 19.1221 21.7360 24.7409 26.19_7 32.2594 36.4098
59 1_.3778 18.2839 20._459 23.5232 2_.9072 30.8282 35.1373 39.7178
60 17.7431 19.7482 22.3151 25.4803 29.2768 33.4985 38.2985 43.3848
61 19.2574 21.36_4 24.1645 27.6422 31.6992 3_.4313 41.7432 47.44_0
62 20.9050 23.1804 2_.2213 29.8772 34.3691 39.6192 45.4859 51.8802
63 22.6179 25.1017 28.2870 32.2958 37.2635 43.0695 49.5192 56.7508
64 24.4318 27.0443 30.5174 34.9219 40.397_ 4_.7824 53.8505 61.9381
65 26.4073 29.2839 3_.0605 37.8753 43.8495 50.8254 58.5234 67.2873
66 28.9525 32.1750 3_.3221 41._059 4_.1432 55.7702 64.2294 73.5552
67 32.11_2 35.7271 40.2527 45.9__7 53.0019 61.2220 70.4370 80.4186
68 36.0680 40.1077 45.0085 51.0694 58.5022 67.2240 77.1737 87.8137
69 40.8202 45.3399 50.5886 5_.9216 64.6427 73.7734 84.4372 96.2697
70 46.3312 51.3686 5_.96_5 63.4893 71.4134 80.8750 92.2477 .0000
71 50.5868 56.0505 62.5156 69.4996 77.9283 85.3976 .0000 .0000
72 54.9542 60.5572 67.5619 75.0283 84.4674 95.9280 .0000 .0000
73 59.3826 65.4491 72.9321 81.3291 91.6694 .0000 .0000 .0000
74 64.1702 70.6560 79.0609 88.2608 99.5665 .0000 .0000 .0000
75 69.2812 76.5892 85.7949 95.8_49 .0000 .0000 .0000 .0000
Memorandum Addendum No. III to the Automatic Reinsurance Agreement effective
June 1, 1984 between the Life Insurance Company of Virginia and the North
American Reassurance Company.
Effective June 1, 1987, reinsurance generated on the LOV PLUS II and EXCESS
INTEREST WHOLE LIFE (1980 CSO) plans shall be ceded under the above referenced
Reinsurance Agreement subject to the same terms and conditions of the Agreement
except as provided below:
1. Plan of Reinsurance:
A. Reinsurance of Life risks shall be on the risk premium basis. The risk
amount on the policy reinsured shall be calculated monthly and shall
be equal to the death benefit less the cash value. At the time of
issue, the Ceding Company shall cede to the North American Re the
portion of the initial risk amount in excess of its retention
thereafter, the Ceding Company and the North American Re shall keep
the same proportionate shares of the risk amount developed each month.
2. Reinsurance Administration:
X. Xxxxxxxxxxx shall be ceded using a bordereau format in accordance with
the suggested reporting details for Universal Life products as
indicated in Exhibit C of the basic Agreement.
3. Reinsurance Premiums:
A. Life Premiums
i) Until further notice, reinsurance premiums shall be
- 1 -
developed as described in the Exhibit B attached to this
Memorandum Addendum. The North American Re guarantees that
premium rates for a given attained age, rating and duration shall
not exceed the higher of the rate shown in the attached schedule
(Exhibit B) for that age, rating and duration or the one year
term rate on the appropriate multiple of the 1958 CSO table at
2 1/2%.
ii) Reinsurance premiums are calendar month premiums payable at the
end of the month in which they become due.
4. Premium Tax Reimbursement:
A. The reinsurance premiums for these plans of insurance have been
calculated to reflect the Ceding Company's premium tax liability.
North American Re shall not make any additional reimbursement for
premium taxes.
5. Percentage of Participation:
A. North American Re's percentage of participation shall be equal to 20%
of 100%.
6. Automatic Binding Limits:
A. North American Re's share of automatic coverage shall be equal to:
i) Life
Issue Standard Table 5 -
Ages Table 4 Table 16
----- -------- ---------
0-70 $900,000 $600,000
71-75 $450,000 $450,000
ii) Waiver of Premium: Same as Life
- 2 -
IN WITNESS WHEREOF, the Ceding Company and the North American Re have caused
their names to be subscribed and duly attested hereunder by their respective
Authorized Officers.
THE LIFE INSURANCE COMPANY OF VIRGINIA
By /s/ Illegible , DIRECTOR
--------------------- ------------
Authorized Officer Title
Attest:
By /s/ Illegible , Illegible
-------------------- ---------
Authorized Officer Title
Date:
------------------------
NORTH AMERICAN REASSURANCE COMPANY
By /s/ Illegible , President
---------------------- -----------
Authorized Officer Title
Attest:
By /s/ Illegible , V.P.
-------------------- ---------
Authorized Officer Title
Date: Sept. 20, 1988
- 3 -
MONTHLY RENEWABLE TERM REINSURANCE PREMIUMS
I. Plans: LOV PLUS II; EXCESS INTEREST WHOLE LIFE
II. Monthly Reinsurance Risk Premiums: The reinsurance premiums for the above
plans will be calculated according to the following formula:
.08696 [Y(A+BX)], where:
Y=First Year .10
Renewal Years 1.00
A=PREFERRED NONSMOKER .40 per 1,000
STANDARD NONSMOKER .35 per 1,000
PREFERRED SMOKER .45 per 1,000
STANDARD SMOKER .50 per 1,000
B=PREFERRED NONSMOKER 1.35
STANDARD NONSMOKER 1.20
PREFERRED SMOKER 1.30
STANDARD SMOKER 1.05
X=The mortality rates attached to this Exhibit B
III. Maximum Amount of Reinsurance on one Life on These Reinsurance Premiums:
$5,000,000. For the excess amount over $5,000,000 rate schedule NRN-5833
which is attached to the basic Agreement will apply. The nonsmoker rates in
schedule NRN-5833 will be used for both preferred nonsmoker and standard
nonsmokers. The smoker rates will be used for both preferred smoker and
standard smokers. Monthly reinsurance premiums will be developed by
multiplying the annual premiums by the monthly factor .08696.
IV. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
1987 MORTALITY ASSUMPTION PER 1000
MPNM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ------ ------ ------ ------ ------ ------ ------ ------
0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319
1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297
2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281
3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282
4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292
5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321
6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415
7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523
8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688
9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846
10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002
11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122
12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198
13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204
14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 0.839
15 0.693 0.830 0.954 1.055 1.124 1.162 0.834 0.792
16 0.840 0.963 1.021 1.078 1.113 0.818 0.788 0.755
17 0.966 1.023 1.048 1.072 0.801 0.770 0.743 0.716
18 0.966 1.011 1.034 0.765 0.762 0.720 0.692 0.667
19 0.924 0.979 0.725 0.715 0.701 0.659 0.635 0.611
20 0.861 0.670 0.675 0.661 0.640 0.588 0.578 0.557
21 0.554 0.610 0.632 0.624 0.605 0.567 0.579 0.572
22 0.484 0.540 0.567 0.556 0.539 0.519 0.514 0.510
23 0.430 0.475 0.503 0.494 0.487 0.465 0.463 0.460
24 0.373 0.412 0.439 0.444 0.435 0.423 0.416 0.421
25 0.332 0.364 0.396 0.400 0.405 0.393 0.395 0.405
26 0.307 0.340 0.365 0.376 0.386 0.387 0.394 0.402
27 0.299 0.321 0.348 0.364 0.380 0.392 0.401 0.414
28 0.298 0.321 0.342 0.364 0.385 0.400 0.414 0.440
29 0.307 0.325 0.348 0.375 0.400 0.419 0.447 0.470
30 0.313 0.336 0.364 0.385 0.414 0.447 0.469 0.507
31 0.316 0.348 0.370 0.400 0.434 0.464 0.500 0.543
32 0.320 0.352 0.382 0.417 0.448 0.489 0.535 0.587
33 0.313 0.352 0.392 0.429 0.474 0.520 0.575 0.629
34 0.299 0.350 0.392 0.441 0.494 0.548 0.605 0.666
35 0.301 0.356 0.411 0.472 0.530 0.591 0.653 0.724
36 0.304 0.376 0.443 0.514 0.583 0.650 0.726 0.805
37 0.321 0.402 0.482 0.565 0.644 0.721 0.805 0.893
38 0.344 0.439 0.535 0.626 0.716 0.801 0.891 0.997
39 0.375 0.489 0.594 0.697 0.794 0.889 0.993 1.115
40 0.412 0.543 0.663 0.779 0.879 0.985 1.109 1.244
41 0.450 0.599 0.740 0.863 0.977 1.100 1.230 1.375
42 0.489 0.659 0.810 0.952 1.086 1.218 1.359 1.518
43 0.528 0.714 0.886 1.048 1.196 1.340 1.491 1.663
44 0.566 0.773 0.969 1.148 1.305 1.463 1.628 1.810
45 0.611 0.841 1.055 1.255 1.427 1.599 1.778 1.980
46 0.660 0.909 1.146 1.371 1.568 1.754 1.956 2.180
47 0.709 0.989 1.252 1.504 1.733 1.946 2.165 2.417
48 0.759 1.077 1.375 1.656 1.934 2.178 2.426 2.715
49 0.814 1.175 1.511 1.838 2.158 2.445 2.741 3.068
50 0.870 1.285 1.667 2.033 2.398 2.741 3.087 3.457
51 0.930 1.407 1.837 2.244 2.655 3.053 3.446 3.842
52 0.999 1.537 2.016 2.471 2.919 3.361 3.783 4.234
53 1.072 1.672 2.207 2.699 3.185 3.640 4.108 4.599
54 1.156 1.820 2.405 2.935 3.440 3.923 4.417 4.948
55 1.249 1.985 2.625 3.182 3.723 4.219 4.730 5.301
56 1.362 2.172 2.866 3.475 4.031 4.538 5.079 5.696
57 1.499 2.389 3.161 3.811 4.375 4.912 5.496 6.154
58 1.658 2.661 3.513 4.206 4.798 5.382 6.008 6.696
59 1.856 2.978 3.916 4.666 5.315 5.949 6.610 7.322
60 2.081 3.330 4.364 5.183 5.914 6.589 7.286 8.030
61 2.339 3.709 4.844 5.753 6.557 7.278 8.020 8.839
62 2.631 4.104 5.339 6.357 7.214 8.000 8.821 9.717
63 2.959 4.562 5.890 6.988 7.885 8.742 9.632 10.623
64 3.330 5.098 6.514 7.651 8.599 9.510 10.473 11.563
65 3.743 5.668 7.178 8.346 9.360 10.345 11.392 12.633
66 4.191 6.233 7.833 9.061 10.182 11.276 12.474 13.860
67 4.690 6.750 8.420 9.792 11.078 12.362 13.733 15.378
68 5.232 7.227 8.961 10.526 12.065 13.600 15.290 17.246
69 5.825 7.709 9.494 11.284 13.116 15.040 17.125 19.506
70 6.466 8.173 10.026 12.033 14.253 16.632 19.243 22.134
71 7.104 8.988 11.012 13.212 15.615 18.214 21.072 24.231
72 7.809 9.871 12.090 14.478 17.106 19.950 23.074 26.519
73 8.564 10.824 13.232 15.838 18.709 21.814 25.214 28.984
74 9.241 11.655 14.238 17.040 20.126 23.456 27.115 31.164
75 9.771 12.316 15.048 18.005 21.254 24.771 28.633 32.891
76 10.210 12.868 15.718 18.799 22.192 25.862 29.877 34.310
77 10.658 13.429 16.397 19.612 23.148 26.961 31.138 35.745
78 11.350 14.295 17.455 20.875 24.624 28.673 33.104 37.989
79 12.368 15.578 19.019 22.732 26.808 31.205 36.015 41.310
80 13.419 16.899 20.620 24.638 29.046 33.798 38.990 44.709
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
-- ------ ------ ------ ------ ------- ------- ------- --------
0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15
1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16
2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17
3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18
4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19
5 0.416 0.525 0.688 0.847 1.01l 1.160 1.282 1.340 20
6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.011 21
7 0.683 0.838 0.996 1.139 1.254 1.306 0.990 0.973 22
8 0.842 0.998 1.138 1.250 1.299 0.973 0.954 0.946 23
9 1.001 1.139 1.248 1.294 0.959 0.939 0.929 0.926 24
10 1.139 1.246 1.291 0.946 0.925 0.915 0.911 0.893 25
11 1.223 1.262 0.914 0.890 0.877 0.871 0.851 0.839 26
12 1.231 0.879 0.854 0.838 0.829 0.807 0.794 0.768 27
13 0.856 0.819 0.801 0.789 0.765 0.748 0.721 0.727 28
14 0.801 0.773 0.759 0.733 0.715 0.687 0.690 0.689 29
15 0.761 0.730 0.709 0.688 0.658 0.660 0.656 0.648 30
16 0.723 0.693 0.664 0.640 0.640 0.635 0.626 0.620 31
17 0.685 0.655 0.629 0.629 0.624 0.614 0.607 0.587 32
18 0.643 0.622 0.587 0.593 0.589 0.588 0.577 0.547 33
19 0.597 0.574 0.549 0.558 0.562 0.566 0.546 0.527 34
20 0.543 0.535 0.508 0.524 0.529 0.529 0.522 0.512 35
21 0.579 0.583 0.562 0.562 0.550 0.539 0.534 0.505 36
22 0.517 0.531 0.525 0.515 0.516 0.521 0.515 0.505 37
23 0.470 0.490 0.487 0.486 0.503 0.509 0.514 0.534 38
24 0.437 0.452 0.465 0.472 0.490 0.512 0.539 0.570 39
25 0.417 0.436 0.460 0.473 0.505 0.547 0.581 0.620 40
26 0.418 0.446 0.468 0.498 0.542 0.594 0.639 0.682 41
27 0.439 0.464 0.495 0.540 0.593 0.652 0.705 0.751 42
28 0.462 0.497 0.537 0.588 0.645 0.712 0.772 0.836 43
29 0.503 0.553 0.599 0.649 0.711 0.781 0.854 0.928 44
30 0.553 0.609 0.659 0.715 0.780 0.862 0.941 1.038 45
31 0.602 0.660 0.716 0.780 0.858 0.947 1.043 1.163 46
32 0.649 0.714 0.779 0.858 0.943 1.049 1.168 1.309 47
33 0.695 0.770 0.849 0.935 1.044 1.176 1.316 1.469 48
34 0.736 0.816 0.907 l.015 1.154 1.312 1.468 1.659 49
35 0.805 0.886 0.996 1.128 1.289 1.465 1.646 1.873 50
36 0.888 0.984 1.114 1.263 1.441 1.642 1.850 2.094 51
37 0.991 1.103 1.246 1.407 1.604 1.832 2.069 2.326 52
38 1.110 1.235 1.384 1.562 1.777 2.032 2.316 2.600 53
39 1.244 1.374 1.538 1.729 1.964 2.257 2.596 2.916 54
40 1.383 1.532 1.706 1.912 2.178 2.512 2.910 3.307 55
41 1.533 1.698 1.890 2.126 2.426 2.805 3.271 3.769 56
42 1.692 1.877 2.102 2.377 2.715 3.148 3.679 4.291 57
43 1.848 2.074 2.340 2.662 3.056 3.540 4.137 4.814 58
44 2.015 2.286 2.605 2.989 3.443 3.988 4.608 5.397 59
45 2.204 2.523 2.908 3.355 3.879 4.456 5.158 6.005 60
46 2.432 2.797 3.241 3.757 4.330 4.995 5.765 6.663 61
47 2.727 3.117 3.616 4.173 4.840 5.587 6.437 7.401 62
48 3.077 3.487 4.006 4.642 5.388 6.226 7.187 8.260 63
49 3.467 3.881 4.456 5.149 5.975 6.927 8.020 9.241 64
50 3.859 4.323 4.935 5.689 6.610 7.688 8.937 10.315 65
51 4.283 4.787 5.458 6.305 7.351 8.604 10.051 11.663 66
52 4.711 5.261 6.031 7.007 8.229 9.692 11.402 13.322 67
53 5.131 5.739 6.620 7.735 9.110 10.760 12.717 15.042 68
54 5.550 6.235 7.262 8.558 10.134 12.028 14.393 17.084 69
55 5.988 6.760 7.931 9.403 11.178 13.383 16.078 19.080 70
56 6.450 7.318 8.654 10.326 12.395 14.892 17.969 21.469 71
57 6.940 7.929 9.424 11.341 13.650 16.441 19.872 23.907 72
58 7.498 8.607 10.309 12.443 15.033 18.163 22.030 26.340 73
59 8.166 9.402 11.304 13.705 16.660 20.282 24.543 29.449 74
60 8.967 10.288 12.374 15.019 18.340 22.283 27.047 32.448 75
61 9.859 11.274 13.590 16.565 20.222 24.732 30.078 36.267 76
62 10.840 12.373 14.920 18.103 22.167 27.130 33.050 39.983 77
63 11.865 13.556 16.314 19.881 24.417 30.017 36.689 44.671 78
64 12.967 14.767 17.839 21.790 26.882 33.176 40.666 49.769 79
65 14.170 16.166 19.543 23.947 29.626 36.661 45.024 55.186 80
66 15.622 17.804 21.551 26.438 32.724 40.501 49.800 60.839 81
67 17.384 19.812 23.969 29.349 36.231 44.765 55.031 67.040 82
68 19.580 22.285 26.891 32.751 40.222 49.483 60.721 73.762 83
69 22.222 25.236 30.316 36.670 44.694 54.638 66.888 81.449 84
70 25.286 28.631 34.245 41.081 49.626 60.251 73.546 89.994 85
71 27.670 31.335 37.565 45.138 54.623 66.417 81.186 99.462 86
72 30.289 34.292 41.285 49.819 60.508 73.824 90.508 111.185 87
73 33.096 37.448 45.298 54.878 66.895 81.866 100.665 124.774 88
74 35.565 40.234 48.763 59.182 72.256 88.556 109.650 136.123 89
75 37.527 42.435 51.539 62.661 76.616 94.528 117.243 145.811 90
76 39.130 44.234 53.700 65.264 80.156 98.903 122.716 152.647 91
77 40.753 46.048 55.884 68.185 83.751 103.379 128.295 159.617 92
78 43.291 48.900 59.548 72.662 89.285 110.232 136.825 169.827 93
79 47.061 53.313 64.927 79.257 97.408 120.283 148.146 182.794 94
80 51.055 57.843 70.471 86.041 105.766 129.659 159.693 197.022 95
1987 MORTALITY ASSUMPTION PER 1000
MNSM
X [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ------ ------ ------ ------ ------ ------ ------ ------
0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319
1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297
2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281
3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282
4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292
5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321
6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415
7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523
8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688
9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846
10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002
11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122
12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198
13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204
14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.213
15 0.693 0.830 0.954 1.055 1.124 1.162 1.204 1.144
16 0.840 0.963 1.021 1.078 1.113 1.181 1.138 1.091
17 0.966 1.023 1.048 1.072 1.157 1.112 1.073 1.034
18 0.966 1.011 1.034 1.105 1.100 1.039 0.999 0.963
19 0.924 0.979 1.047 1.033 1.013 0.952 0.917 0.882
20 0.861 0.967 0.975 0.955 0.924 0.850 0.835 0.805
21 0.800 0.881 0.913 0.902 0.874 0.819 0.836 0.826
22 0.699 0.780 0.819 0.803 0.779 0.749 0.742 0.737
23 0.621 0.686 0.727 0.713 0.703 0.672 0.669 0.664
24 0.538 0.595 0.633 0.641 0.629 0.612 0.601 0.609
25 0.480 0.525 0.572 0.578 0.585 0.568 0.570 0.585
26 0.444 0.490 0.528 0.543 0.557 0.559 0.569 0.581
27 0.432 0.464 0.503 0.525 0.549 0.566 0.579 0.598
28 0.431 0.463 0.494 0.525 0.556 0.577 0.597 0.635
29 0.444 0.469 0.502 0.541 0.577 0.605 0.645 0.680
30 0.452 0.485 0.525 0.557 0.598 0.646 0.677 0.732
31 0.456 0.502 0.535 0.578 0.627 0.671 0.722 0.784
32 0.462 0.508 0.552 0.602 0.648 0.706 0.773 0.847
33 0.452 0.509 0.566 0.619 0.684 0.751 0.830 0.909
34 0.432 0.506 0.566 0.637 0.713 0.791 0.873 0.962
35 0.435 0.515 0.594 0.682 0.766 0.854 0.944 1.046
36 0.438 0.544 0.640 0.742 0.843 0.939 1.049 1.163
37 0.464 0.580 0.697 0.816 0.930 1.042 1.163 1.290
38 0.497 0.634 0.772 0.905 1.034 1.158 1.287 1.440
39 0.541 0.706 0.858 1.007 1.147 1.284 1.434 1.610
40 0.595 0.784 0.957 1.126 1.270 1.423 1.602 1.797
41 0.650 0.865 1.068 1.246 1.412 1.588 1.777 1.986
42 0.706 0.952 1.170 1.374 1.569 1.760 1.964 2.192
43 0.763 1.031 1.280 1.513 1.727 1.935 2.154 2.402
44 0.818 1.116 1.399 1.658 1.885 2.114 2.352 2.615
45 0.883 1.214 1.524 1.813 2.061 2.310 2.568 2.860
46 0.953 1.313 1.655 1.981 2.265 2.534 2.826 3.149
47 1.025 1.428 1.809 2.172 2.503 2.811 3.128 3.491
48 1.097 1.556 1.986 2.392 2.794 3.146 3.504 3.921
49 1.176 1.697 2.182 2.654 3.117 3.531 3.959 4.431
50 1.256 1.856 2.408 2.937 3.463 3.960 4.459 4.993
51 1.343 2.033 2.653 3.241 3.836 4.410 4.977 5.550
52 1.444 2.221 2.912 3.569 4.216 4.855 5.464 6.116
53 1.549 2.416 3.188 3.898 4.600 5.257 5.934 6.644
54 1.670 2.629 3.473 4.239 4.969 5.666 6.380 7.148
55 1.804 2.867 3.792 4.596 5.377 6.094 6.833 7.656
56 1.967 3.137 4.140 5.019 5.823 6.554 7.337 8.227
57 2.165 3.450 4.566 5.505 6.319 7.096 7.939 8.889
58 2.396 3.844 5.074 6.076 .6.930 7.774 8.678 9.672
59 2.681 4.302 5.657 6.740 7.677 8.593 9.547 10.576
60 3.005 4.811 6.304 7.487 8.542 9.517 10.524 11.599
61 3.379 5.358 6.996 8.310 9.471 10.513 11.585 12.767
62 3.800 5.928 7.712 9.182 10.421 11.555 12.742 14.035
63 4.274 6.589 8.508 10.094 11.390 12.627 13.913 15.345
64 4.811 7.364 9.409 11.051 12.420 13.737 15.128 16.702
65 5.406 8.187 10.368 12.056 13.520 14.942 16.455 18.248
66 6.053 9.004 11.315 13.089 14.708 16.287 18.018 20.021
67 6.774 9.750 12.162 14.145 16.001 17.857 19.836 22.212
68 7.558 10.439 12.943 15.205 17.427 19.644 22.086 24.910
69 8.414 11.135 13.714 16.299 18.945 21.725 24.737 28.175
70 9.340 11.805 14.482 17.381 20.588 24.024 27.796 31.971
71 10.262 12.982 15.906 19.083 22.555 26.310 30.438 35.000
72 11.279 14.258 17.463 20.912 24.708 28.817 33.330 38.306
73 12.370 15.635 19.113 22.876 27.024 31.509 36.420 41.866
74 13.348 16.835 20.566 24.613 29.071 33.881 39.167 45.015
75 14.114 17.790 21.735 26.008 30.701 35.781 41.359 47.510
76 14.748 18.587 22.704 27.154 32.055 37.357 43.156 49.559
77 15.395 19.397 23.684 28.329 33.436 38.944 44.978 51.632
78 16.394 20.649 25.213 30.153 35.568 41.417 47.817 54.873
79 17.865 22.502 27.472 32.835 38.722 45.074 52.021 59.671
80 19.383 24.410 29.784 35.589 41.955 48.820 56.319 64.579
X [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
-- ------ ------ ------ ------- ------- ------- ------- --------
0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15
1 0.282 O.284 0.298 0.333 0.435 0.552 0.729 0.903 16
2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17
3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18
4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19
5 0.416 0.525 0.688 0.847 1.01l 1.160 1.282 1.340 20
6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.224 21
7 0.683 0.838 0.996 1.139 1.254 1.306 1.235 1.178 22
8 0.842 0.998 1.138 1.250 1.299 1.251 1.191 1.145 23
9 1.001 1.139 1.248 1.294 1.270 1.207 1.159 1.122 24
10 1.139 1.246 1.291 1.291 1.225 1.176 1.137 1.081 25
11 1.223 1.262 1.282 1.214 1.162 1.120 1.062 1.016 26
12 1.231 1.270 1.198 1.143 1.098 1.038 0.990 0.930 27
13 1.236 1.183 1.124 1.076 1.013 0.962 0.900 0.880 28
14 1.157 1.116 1.065 0.999 0.946 0.883 0.861 0.834 29
15 1.099 1.055 0.995 0.939 0.872 0.848 0.819 0.785 30
16 1.044 1.001 0.933 0.872 0.847 0.817 0.781 0.750 31
17 0.989 0.946 0.883 0.857 0.826 0.789 0.758 0.711 32
18 0.928 0.898 0.823 0.809 0.781 0.756 0.720 0.662 33
19 0.862 0.829 0.770 0.761 0.745 0.728 0.682 0.638 34
20 0.784 0.773 0.713 0.715 0.701 0.680 0.651 0.620 35
21 0.837 0.843 0.789 0.767 0.729 0.693 0.666 0.611 36
22 0.747 0.767 0.737 0.703 0.683 0.669 0.643 0.612 37
23 0.678 0.707 0.683 0.662 0.666 0.655 0.641 0.647 38
24 0.631 0.652 0.653 0.643 0.649 0.658 0.673 0.690 39
25 0.602 0.629 0.646 0.645 0.669 0.703 0.725 0.750 40
26 0.604 0.644 0.656 0.679 0.718 0.764 0.797 0.825 41
27 0.634 0.670 0.695 0.736 0.785 0.838 0.879 0.909 42
28 0.668 0.718 0.754 0.802 0.854 0.916 0.964 1.012 43
29 0.727 0.799 0.841 0.886 0.942 1.004 1.066 1.123 44
30 0.799 O.880 0.925 0.975 1.034 1.108 1.174 1.256 45
31 0.869 0.953 1.006 1.064 1.136 1.217 1.302 1.408 46
32 0.936 1.032 1.093 1.169 1.248 1.349 1.458 1.585 47
33 1.004 1.112 1.192 1.275 1.382 1.512 1.642 1.778 48
34 1.063 1.179 1.273 1.384 1.528 1.687 1.831 2.008 49
35 1.162 1.280 1.398 1.539 1.707 1.883 2.054 2.267 50
36 1.283 1.422 1.564 1.723 1.908 2.112 2.308 2.535 51
37 1.431 1.593 1.750 1.918 2.124 2.356 2.582 2.816 52
38 1.604 1.784 1.943 2.130 2.353 2.612 2.889 3.148 53
39 1.798 1.985 2.158 2.358 2.601 2.902 3.240 3.530 54
40 1.997 2.212 2.394 2.607 2.885 3.230 3.631 4.003 55
41 2.214 2.452 2.652 2.899 3.212 3.607 4.082 4.562 56
42 2.444 2.711 2.951 3.241 3.595 4.047 4.591 5.194 57
43 2.669 2.996 3.285 3.630 4.047 4.551 5.162 5.828 58
44 2.910 3.302 3.657 4.076 4.560 5.127 5.750 6.533 59
45 3.183 3.645 4.081 4.575 5.137 5.729 6.436 7.270 60
46 3.513 4.040 4.549 5.123 5.734 6.422 7.194 8.066 61
47 3.939 4.503 5.075 5.690 6.409 7.184 8.032 8.959 62
48 4.445 5.036 5.623 6.330 7.136 8.005 8.968 9.999 63
49 5.008 5.605 6.255 7.021 7.912 8.906 10.008 11.187 64
50 5.573 6.244 6.928 7.757 8.754 9.884 11.151 12.486 65
51 6.187 6.915 7.661 8.597 9.736 11.063 12.541 14.118 66
52 6.804 7.600 8.465 9.556 10.898 12.462 14.227 16.127 67
53 7.412 8.290 9.292 10.547 12.065 13.834 15.868 18.209 68
54 8.016 9.006 10.194 11.670 13.420 15.464 17.960 20.681 69
55 8.650 9.764 11.133 12.823 14.803 17.207 20.062 23.097 70
56 9.317 10.571 12.148 14.081 16.415 19.147 22.422 25.989 71
57 10.024 11.453 13.228 15.465 18.077 21.138 24.796 28.940 72
58 10.831 12.433 14.470 16.968 19.908 23.353 27.489 31.886 73
59 11.795 13.581 15.867 18.689 22.063 26.077 30.624 35.649 74
60 12.952 14.860 17.369 20.480 24.289 28.650 33.749 39.279 75
61 14.241 16.285 19.076 22.589 26.780 31.798 37.531 43.902 76
62 15.657 17.872 20.943 24.686 29.357 34.881 41.239 48.400 77
63 17.138 19.581 22.900 27.111 32.335 38.593 45.780 54.076 78
64 18.730 21.330 25.041 29.714 35.601 42.655 50.743 60.247 79
65 20.468 28.351 27.431 32.655 39.235 47.135 56.180 66.804 80
66 22.565 25.718 30.250 36.051 43.337 52.073 62.140 73.647 81
67 25.110 23.617 33.645 40.021 47.982 57.555 68.667 81.154 82
68 28.283 32.189 37.746 44.661 53.267 63.621 75.767 89.290 83
69 32.098 36.452 42.554 50.004 59.189 70.249 83.462 98.596 84
70 36.524 41.356 48.068 56.020 65.721 77.465 91.770 108.940 85
71 39.967 45.262 52.729 61.552 72.339 85.394 101.303 120.401 86
72 43.750 49.532 57.951 67.935 80.133 94.917 112.935 134.593 87
73 47.806 54.092 63.583 74.833 88.591 105.256 125.608 151.042 88
74 51.371 58.116 68.447 80.703 95.690 113.857 136.820 164.781 89
75 54.206 61.295 72.344 85.447 101.465 121.536 146.294 176.507 90
76 56.521 63.893 75.377 88.996 106.153 127.161 153.124 184.783 91
77 58.865 66.514 78.442 92.979 110.914 132.916 160.085 193.221 92
78 62.532 70.634 83.586 99.084 118.243 141.727 170.729 204.369 93
79 67.977 77.008 91.136 108.078 128.999 154.650 184.854 221.277 94
80 73.746 83.550 98.918 117.329 140.069 166.704 199.263 238.501 95
1987 MORTALITY ASSUMPTION PER 1000
MPSM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
-- ------ ------- ------ ------ ------ ------ ------ ------ ------
0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 0.298
1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 0.282
2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 0.283
3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 0.292
4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 0.322
5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 0.416
6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 0.523
7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 0.683
8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 0.842
9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 1.001
10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 1.139
11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 1.223
12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 1.231
13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 1.243
14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.220 1.181
15 0.693 0.830 0.954 1.055 1.124 1.162 1.211 1.168 1.139
16 0.840 0.963 1.021 1.078 1.113 1.188 1.162 1.130 1.099
17 0.966 1.023 1.048 1.072 1.164 1.136 1.112 1.088 1.063
18 0.966 1.011 1.034 1.112 1.124 1.077 1.052 1.035 1.016
19 0.924 0.979 1.053 1.055 1.049 1.003 0.986 0.966 0.966
20 0.861 0.973 0.996 0.990 0.973 0.914 0.914 0.903 0.902
21 0.805 0.900 0.946 0.949 0.940 0.896 0.937 0.950 0.99l
22 0.714 0.808 0.862 0.864 0.853 0.840 0.854 0.874 0.926
23 0.643 0.722 0.781 0.781 0.788 0.773 0.793 0.824 0.867
24 0.567 0.640 0.694 0.718 0.723 0.725 0.746 0.778 0.823
25 0.516 0.575 0.641 0.665 0.693 0.705 0.728 0.764 0.807
26 0.486 0.550 0.607 0.644 0.691 0.715 0.742 0.778 0.827
27 0.485 0.534 0.596 0.651 0.701 0.738 0.776 0.818 0.873
28 0.495 0.549 0.612 0.671 0.726 0.773 0.818 0.875 0.938
29 0.526 0.582 0.642 0.706 0.773 0.828 0.888 0.955 1.030
30 0.560 0.621 0.685 0.746 0.820 0.890 0.952 1.038 1.151
31 0.583 0.656 0.717 0.792 0.863 0.943 1.023 1.129 1.264
32 0.602 0.680 0.756 0.829 0.910 1.000 1.113 1.233 1.382
33 0.605 0.697 0.779 0.870 0.970 1.081 1.208 1.342 1.500
34 0.592 0.697 0.796 0.903 1.027 1.151 1.289 1.437 1.601
35 0.599 0.724 0.842 0.982 1.115 1.261 1.410 1.575 1.764
36 0.616 0.771 0.922 1.080 1.244 1.404 1.580 1.764 1.967
37 0.658 0.836 1.014 1.204 1.389 1.570 1.764 1.977 2.206
38 0.716 0.922 1.140 1.352 1.558 1.757 1.973 2.219 2.461
39 0.788 1.042 1.282 1.517 1.741 1.968 2.211 2.470 2.747
40 0.878 1.172 1.442 1.708 l.948 2.194 2.458 2.746 3.040
41 0.970 1.303 1.621 1.910 2.176 2.437 2.715 3.022 3.357
42 1.064 1.445 1.795 2.119 2.407 2.690 2.989 3.324 3.684
43 1.158 1.580 1.974 2.321 2.640 2.946 3.266 3.619 3.991
44 1.254 1.720 2.147 2.534 2.870 3.205 3.544 3.910 4.293
45 1.361 1.863 2.329 2.759 3.125 3.481 3.840 4.218 4.642
46 1.463 2.006 2.519 3.003 3.413 3.789 4.169 4.593 5.057
47 1.566 2.174 2.743 3.273 3.743 4.146 4.562 5.025 5.576
48 1.669 2.359 2.993 3.577 4.121 4.588 5.043 5.550 6.181
49 1.783 2.557 3.262 3.916 4.546 5.083 5.603 6.162 6.836
50 1.893 2.775 3.552 4.283 4.985 5.604 6.200 6.816 7.480
51 2.008 2.998 3.869 4.666 5.429 6.132 6.794 7.449 8.107
52 2.130 3.238 4.193 5.052 5.863 6.628 7.334 8.014 8.713
53 2.259 3.478 4.512 5.421 6.279 7.056 7.776 8.507 9.302
54 2.403 3.721 4.830 5.787 6.669 7.425 8.169 8.970 9.862
55 2.554 3.987 5.176 6.168 7.046 7.804 8.575 9.419 10.431
56 2.735 4.282 5.557 6.577 7.456 8.226 9.026 9.922 11.003
57 2.955 4.631 5.983 7.050 7.931 8.730 9.575 10.498 11.596
58 3.215 5.037 6.497 7.625 8.526 9.376 10.249 11.188 12.265
59 3.513 5.509 7.099 8.292 9.258 10.149 11.044 11.976 13.068
60 3.848 6.037 7.756 9.029 10.089 11.009 11.917 12.851 14.027
61 4.240 6.592 8.438 9.014 10.955 11.904 12.835 13.826 15.073
62 4.676 7.149 9.108 10.621 11.800 12.802 13.798 14.855 16.187
63 5.155 7.782 9.841 11.430 12.619 13.675 14.725 15.864 17.295
64 5.682 8.519 10.654 12.244 13.451 14.539 15.639 16.855 18.440
65 6.253 9.270 11.487 13.056 14.309 15.448 16.606 17.966 19.650
66 6.854 9.975 12.254 13.853 15.205 16.437 17.740 19.221 21.107
67 7.505 10.559 12.872 14.623 16.148 17.581 19.044 20.777 23.026
68 8.184 11.048 13.381 15.345 17.158 18.859 20.659 22.842 25.409
69 8.905 11.511 13.840 16.047 18.188 20.322 22.683 25.313 28.245
70 9.655 11.914 14.258 16.687 19.258 22.029 24.972 28.133 31.465
71 10.356 12.782 15.270 17.851 20.682 23.637 26.784 30.152 33.694
72 11.105 13.688 16.335 19.176 22.198 25.358 28.713 32.293 36.078
73 11.876 14.625 17.526 20.552 23.781 27.144 30.703 34.524 38.535
74 12.486 15.437 18.477 21.659 25.044 28.562 32.298 36.286 40.465
75 12.942 15.983 19.126 22.405 25.882 29.506 33.339 37.423 41.699
76 13.249 16.356 19.559 22.892 26.433 30.113 33.994 38.124 42.432
77 13.547 16.711 19.967 23.361 26.952 30.676 34.600 38.762 43.106
78 14.123 17.408 20.792 24.305 28.016 31.860 35.898 40.182 44.638
79 15.061 18.556 22.145 25.864 29.787 33.838 38.094 42.595 47.273
80 15.984 19.676 23.460 27.377 31.497 35.750 40.203 44.910 50.376
x [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
-- ------ ------ ------ ------- ------- ------- --------
0 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15
1 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16
2 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17
3 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18
4 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19
5 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20
6 0.684 0.841 1.002 1.148 1.266 1.321 1.566 21
7 0.838 0.996 1.139 1.254 1.306 1.517 1.530 22
8 0.998 1.138 1.250 1.299 1.477 1.486 1.509 23
9 1.139 1.248 1.294 1.441 1.447 1.468 1.502 24
10 1.246 1.291 1.406 1.412 1.431 1.463 1.478 25
11 1.262 1.343 1.343 1.357 1.384 1.394 1.414 26
12 1.278 1.274 1.283 1.304 1.310 1.324 1.326 27
13 1.209 1.213 1.227 1.228 1.236 1.233 1.287 28
14 1.157 1.167 1.164 1.168 1.162 1.210 1.256 29
15 1.111 1.114 1.113 1.102 1.145 1.185 1.237 30
16 1.076 1.063 1.059 1.099 1.135 1.183 1.220 31
17 1.036 1.031 1.069 1.103 1.149 1.183 1.179 32
18 1.007 0.986 1.038 1.092 1.133 1.148 1.128 33
19 0.954 0.950 1.022 1.073 1.115 1.115 1.111 34
20 0.915 0.921 0.990 1.032 1.069 1.090 1.085 35
21 1.045 1.050 1.084 1.101 1.114 1.120 1.093 36
22 0.980 1.001 1.020 1.054 1.081 1.104 1.103 37
23 0.923 0.953 0.982 1.033 1.080 1.110 1.185 38
24 0.874 0.930 0.960 1.029 1.095 1.184 1.278 39
25 0.862 0.925 0.982 1.069 1.189 1.289 1.408 40
26 0.887 0.960 1.043 1.166 1.305 1.438 1.568 41
27 0.942 1.026 1.149 1.289 1.451 1.605 1.742 42
28 1.017 1.131 1.264 1.421 1.606 1.774 1.953 43
29 1.151 1.274 1.416 1.587 1.776 1.976 2.189 44
30 1.280 1.421 1.578 1.756 1.973 2.198 2.463 45
31 1.407 1.564 1.737 1.944 2.190 2.451 2.747 46
32 1.541 1.714 1.922 2.158 2.440 2.732 3.080 47
33 1.675 1.882 2.118 2.403 2.723 3.066 3.442 48
34 1.789 2.032 2.311 2.644 3.025 3.405 3.872 49
35 1.963 2.244 2.557 2.942 3.364 3.805 4.345 50
36 2.192 2.497 2.852 3.274 3.758 4.249 4.820 51
37 2.444 2.783 3.163 3.632 4.166 4.717 5.283 52
38 2.727 3.079 3.498 3.998 4.584 5.207 5.838 53
39 3.021 3.406 3.849 4.386 5.024 5.772 6.463 54
40 3.354 3.755 4.223 4.798 5.528 6.386 7.205 55
41 3.696 4.128 4.633 5.283 6.093 7.057 8.068 56
42 4.053 4.531 5.121 5.835 6.722 7.798 9.016 57
43 4.420 4.986 5.661 6.458 7.427 8.608 9.947 58
44 4.815 5.479 6.250 7.149 8.214 9.428 10.887 59
45 5.247 6.013 6.891 7.906 9.024 10.302 11.839 60
46 5.719 6.583 7.576 8.677 9.875 11.253 12.874 61
47 6.261 7.211 8.273 9.470 10.796 12.315 14.017 62
48 6.875 7.855 8.986 10.303 11.791 13.478 15.336 63
49 7.523 8.531 9.739 11.196 12.860 14.744 16.803 64
50 8.182 9.234 10.546 12.143 13.990 16.089 18.368 65
51 8.855 10.008 11.459 13.239 15.334 17.723 20.331 66
52 9.538 10.840 12.485 14.513 16.918 19.680 22.722 67
53 10.199 11.664 13.495 15.737 18.384 21.477 25.078 68
54 10.862 12.531 14.624 17.134 20.107 23.760 27.836 69
55 11.532 13.404 15.730 18.493 21.869 25.939 30.367 70
56 12.228 14.318 16.900 20.044 23.783 28.317 33.355 71
57 12.969 15.253 18.143 21.573 25.647 30.570 34.235 72
58 13.774 16.311 19.455 23.207 27.659 33.062 38.930 73
59 14.708 17.479 20.931 25.106 30.132 35.917 42.407 74
60 15.728 18.690 22.391 26.963 32.280 38.565 45.806 75
61 16.836 20.037 24.094 28.989 34.908 42.043 50.160 76
62 18.036 21.461 25.674 30.963 37.539 45.261 54.164 77
63 19.278 22.883 27.473 33.433 40.692 49.213 59.245 78
64 20.477 24.380 29.518 36.064 44.051 53.403 64.592 79
65 21.843 26.182 31.782 38.929 47.656 57.858 70.059 80
66 23.583 28.287 34.368 42.096 51.520 62.600 75.497 81
67 25.710 30.816 37.350 45.610 55.702 67.619 81.295 82
68 28.326 33.846 40.788 49.528 60.187 72.908 87.353 83
69 31.403 37.340 44.672 53.797 64.941 78.434 94.133 84
70 34.864 41.258 48.919 58.371 69.937 84.164 101.453 85
71 37.325 44.240 52.524 62.745 75.238 90.624 109.302 86
72 39.927 47.512 56.615 67.832 81.573 98.484 119.033 87
73 42.608 50.910 60.862 73.149 88.180 106.711 131.214 88
74 44.707 53.485 64.023 77.020 92.926 114.176 140.564 89
75 46.016 55.140 66.078 79.561 97.435 119.877 147.801 90
76 46.788 56.005 67.047 81.762 100.103 123.169 151.840 91
77 47.480 56.779 68.807 83.886 102.712 126.362 155.768 92
78 49.120 59.430 72.001 87.786 107.473 132.212 163.147 93
79 52.604 63.628 77.093 93.983 115.053 141.754 174.907 94
80 56.043 67.793 82.128 100.116 122.811 151.300 186.653 95
1987 MORTALITY ASSUMPTION PER 1000
MSKM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
-- ------ ------ ------ ------ ------ ------ ------ ------ ------
0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 0.298
1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 0.282
2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 0.283
3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 0.292
4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 0.322
5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 0.416
6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 0.523
7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 0.683
8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 0.842
9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 1.001
10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 1.139
11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 1.223
12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 1.231
13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 1.927
14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.891 1.831
15 0.693 0.830 0.954 1.055 1.124 1.162 1.878 1.811 1.766
16 0.840 0.963 1.021 1.078 1.113 1.841 1.802 1.752 1.703
17 0.966 1.023 1.048 1.072 1.803 1.760 1.723 1.687 1.648
18 0.966 1.011 1.034 1.723 1.742 1.670 1.631 1.605 1.575
19 0.924 0.979 1.633 1.635 1.627 1.554 1.528 1.498 1.497
20 0.861 1.508 1.544 1.534 1.508 1.416 1.416 1.399 1.398
21 1.247 1.396 1.467 1.471 1.457 1.389 1.453 1.473 1.536
22 1.107 1.253 1.336 1.338 1.322 1.302 1.323 1.354 1.436
23 0.997 1.120 1.211 1.210 1.222 1.198 1.229 1.277 1.344
24 0.879 0.992 1.075 1.113 1.121 1.123 1.156 1.206 1.276
25 0.799 0.892 0.994 1.030 1.073 1.093 1.129 1.184 1.251
26 0.753 0.852 0.941 0.998 1.071 1.108 1.150 1.206 1.281
27 0.752 0.828 0.924 1.010 1.087 1.144 1.203 1.268 1.353
28 0.768 0.850 0.949 1.041 1.125 1.199 1.268 1.356 1.455
29 0.815 0.902 0.995 1.094 1.198 1.284 1.376 1.481 1.597
30 0.868 0.962 1.062 1.156 1.270 1.379 1.475 1.608 1.784
31 0.904 1.016 1.111 1.227 1.338 1.461 1.586 1.749 1.960
32 0.934 1.054 1.172 1.285 1.411 1.550 1.725 1.911 2.142
33 0.938 1.080 1.208 1.349 1.503 1.676 1.873 2.080 2.326
34 0.917 1.080 1.233 1.400 1.592 1.785 1.998 2.228 2.482
35 0.929 1.122 1.306 1.522 1.728 1.954 2.185 2.442 2.733
36 0.955 1.194 1.428 1.674 1.928 2.175 2.449 2.735 3.049
37 1.020 1.296 1.571 1.866 2.153 2.433 2.735 3.065 3.419
38 1.110 1.429 1.766 2.095 2.415 2.723 3.058 3.440 3.814
39 1.221 1.615 1.988 2.351 2.698 3.051 3.427 3.829 4.258
40 1.361 1.816 2.236 2.648 3.019 3.401 3.810 4.256 4.712
41 1.504 2.020 2.513 2.961 3.373 3.777 4.208 4.685 5.204
42 1.649 2.239 2.782 3.284 3.730 4.169 4.633 5.152 5.709
43 1.795 2.449 3.060 3.598 4.092 4.566 5.062 5.610 6.186
44 1.943 2.667 3.328 3.927 4.448 4.967 5.494 6.061 6.655
45 2.109 2.887 3.611 4.277 4.844 5.395 5.953 6.538 7.196
46 2.267 3.110 3.904 4.655 5.291 5.873 6.461 7.118 7.838
47 2.427 3.369 4.251 5.073 5.801 6.426 7.070 7.789 8.642
48 2.588 3.657 4.639 5.544 6.387 7.112 7.817 8.603 9.581
49 2.763 3.963 5.057 6.069 7.046 7.879 8.685 9.551 10.596
50 2.934 4.301 5.506 6.639 7.727 8.687 9.610 10.565 11.595
51 3.113 4.647 5.997 7.232 8.415 9.505 10.531 11.546 12.566
52 3.301 5.020 6.498 7.831 9.087 10.273 11.367 12.421 13.505
53 3.501 5.390 6.994 8.402 9.732 10.936 12.053 13.187 14.418
54 3.725 5.768 7.486 8.969 10.337 11.508 12.663 13.904 15.286
55 3.958 6.180 8.022 9.561 10.921 12.096 13.292 14.600 16.169
56 4.239 6.637 8.613 10.194 11.557 12.750 13.991 15.379 17.055
57 4.580 7.178 9.273 10.927 12.293 13.531 14.841 16.273 17.973
58 4.983 7.807 10.071 11.819 13.216 14.533 15.985 17.341 19.010
59 5.446 8.538 11.004 12.853 14.350 15.731 17.118 18.563 20.255
60 5.965 9.358 12.022 13.995 15.638 17.063 18.471 19.919 21.741
61 6.573 10.217 13.079 15.212 16.981 18.451 19.894 21.430 23.362
62 7.247 11.081 14.118 16.463 18.290 19.843 21.388 23.025 25.089
63 7.990 12.062 15.254 17.717 19.560 21.116 22.824 24.589 26.808
64 8.806 13.204 16.514 18.978 20.848 22.536 24.241 26.126 28.583
65 9.693 14.368 17.805 20.237 22.180 23.944 25.739 27.847 30.458
66 10.624 15.462 18.993 21.471 23.569 25.477 27.497 29.792 32.716
67 11.633 16.366 19.952 22.666 25.030 27.250 29.518 32.204 35.690
68 12.686 17.125 20.741 23.784 26.595 29.232 32.021 35.406 39.385
69 13.803 17.843 21.452 24.873 28.191 31.498 35.159 39.235 43.780
70 14.966 18.467 22.100 25.864 29.850 34.146 38.706 43.607 48.770
71 16.052 19.811 23.669 27.668 32.058 36.637 41.516 46.735 52.225
72 17.212 21.216 25.320 29.723 34.407 39.305 44.505 50.054 55.921
73 18.408 22.668 27.166 31.856 36.860 42.074 47.590 53.512 59.729
74 19.353 23.928 28.639 33.571 38.818 44.272 50.062 56.243 62.720
75 20.060 24.774 29.646 34.728 40.117 45.734 51.675 58.006 64.633
76 20.537 25.352 30.316 35.483 40.972 46.674 52.690 59.092 65.770
77 20.998 25.901 30.948 36.209 41.775 47.547 53.629 60.081 66.815
78 21.891 26.982 32.227 37.674 43.426 49.384 55.642 62.283 69.188
79 23.344 28.762 34.324 40.089 46.171 52.450 59.046 66.022 73.273
80 24.774 30.498 36.364 42.435 48.820 55.412 62.314 69.611 78.083
x [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
-- ------ ------- ------- ------- ------- ------- --------
0 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15
1 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16
2 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17
3 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18
4 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19
5 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20
6 0.684 0.841 1.002 1.148 1.266 1.321 1.949 21
7 0.838 0.996 1.139 1.254 1.306 1.958 1.904 22
8 0.998 1.138 1.250 1.299 1.976 1.917 1.878 23
9 1.139 1.248 1.294 2.000 1.937 1.894 1.869 24
10 1.246 1.291 2.025 1.960 1.915 1.888 1 840 25
11 1.262 2.006 1.934 1.884 1.852 1.800 1.760 26
12 1.981 1.903 1.848 1.810 1.753 1.709 1.651 27
13 1.874 1.811 1.767 1.704 1.654 1.591 1.601 28
14 1.793 1.744 1.676 1.622 1.555 1.562 1.563 29
15 1.722 1.664 1.603 1.530 1.533 1.529 1.540 30
16 1.668 1.588 1.525 1.526 1.520 1.527 1.518 31
17 1.606 1.540 1.539 1.532 1.538 1.527 1.468 32
18 1.561 1.473 1.495 1.515 1.517 1.481 1.404 33
19 1.479 1.419 1.471 1.490 1.493 1.440 1.382 34
20 1.419 1.376 1.426 1.432 1.431 1.406 1.351 35
21 1.620 1.569 1.561 1.528 1.491 1.445 1.360 36
22 1.520 1.496 1.469 1.464 1.447 1.425 1.372 37
23 1.431 1.423 1.414 1.434 1.446 1.432 1.475 38
24 1.354 1.389 1.382 1.428 1.466 1.528 1.590 39
25 1.336 1.382 1.414 1.484 1.591 1.663 1.753 40
26 1.374 1.435 1.503 1.619 1.747 1.855 1.951 41
27 1.460 1.533 1.654 1.789 1.943 2.071 2.168 42
28 1.576 1.689 1.820 1.973 2.149 2.289 2.430 43
29 1.784 1.903 2.039 2.203 2.377 2.550 2.724 44
30 1.984 2.123 2.272 2.437 2.641 2.837 3.065 45
31 2.181 2.336 2.501 2.698 2.931 3.164 3.419 46
32 2.389 2.561 2.768 2.996 3.266 3.526 3.832 47
33 2.597 2.811 3.050 3.336 3.644 3.957 4.283 48
34 2.773 3.035 3.328 3.670 4.049 4.395 4.819 49
35 3.043 3.352 3.683 4.084 4.502 4.911 5.408 50
36 3.398 3.731 4.107 4.546 5.029 5.484 5.999 51
37 3.787 4.157 4.555 5.042 5.576 6.087 6.574 52
38 4.226 4.599 5.038 5.550 6.135 6.720 7.265 53
39 4.683 5.088 5.543 6.089 6.724 7.449 8.043 54
40 5.199 5.610 6.081 6.660 7.399 8.241 8.966 55
41 5.728 6.167 6.672 7.334 8.155 9.108 10.040 56
42 6.282 6.769 7.374 8.100 8.998 10.064 11.220 57
43 6.851 7.449 8.152 8.966 9.941 11.109 12.378 58
44 7.463 8.185 9.000 9.924 10.994 12.167 13.548 59
45 8.132 8.982 9.923 10.975 12.078 13.296 14.733 60
46 8.864 9.835 10.910 12.046 13.218 14.523 16.020 61
47 9.705 10.772 11.913 13.146 14.450 15.893 17.444 62
48 10.656 11.735 12.939 14.303 15.782 17.394 19.085 63
49 11.661 12.744 14.025 15.543 17.212 19.029 20.910 64
50 12.682 13.794 15.187 16.858 18.725 20.764 22.858 65
51 13.725 14.951 16.500 18.379 20.524 22.872 25.301 66
52 14.784 16.193 17.978 20.147 22.644 25.399 28.277 67
53 15.809 17.425 19.433 21.846 24.607 27.717 31.208 68
54 16.835 18.720 21.059 23.787 26.913 30.664 34.640 69
55 17.875 20.024 22.651 25.672 29.271 33.476 37.790 70
56 18.953 21.389 24.336 27.826 31.833 36.546 41.508 71
57 20.102 22.787 26.126 29.948 34.327 39.452 45.093 72
58 21.350 24.366 28.015 32.217 37.020 42.669 48.446 73
59 22.797 26.112 30.141 34.853 40.330 46.353 52.774 74
60 24.378 27.921 32.243 37.431 43.205 49.771 57.003 75
61 26.096 29.933 34.695 40.244 46.722 54.259 62.422 76
62 27.956 32.061 36.971 42.984 50.244 58.413 67.405 77
63 29.882 34.184 39.560 46.413 54.465 63.513 73.727 78
64 31.740 36.420 42.506 50.065 58.961 68.920 80.381 79
65 33.856 39.112 45.766 54.043 63.786 74.670 87.184 80
66 36.553 42.258 49.490 58.439 68.958 80.789 93.952 81
67 39.851 46.035 53.785 63.317 74.555 87.266 101.167 82
68 43.905 50.562 58.735 68.757 80.558 94.092 108.706 83
69 48.674 55.781 64.327 74.683 86.921 101.224 117.144 84
70 54.040 61.634 70.444 81.032 93.607 108.620 126.252 85
71 57.853 66.089 75.634 87.105 100.703 116.956 136.020 86
72 61.887 70.977 81.525 94.166 109.183 127.100 148.131 87
73 66.042 76.053 87.641 101.548 118.025 137.717 163.289 88
74 69.296 79.899 92.193 106.922 124.377 147.352 174.924 89
75 71.325 82.372 95.152 110.450 130.412 154.709 183.930 90
76 72.522 83.664 96.548 113.505 133.984 158.957 188.956 91
77 73.594 84.821 99.083 116.454 137.476 163.079 193.844 92
78 76.136 88.781 103.681 121.868 143.849 170.629 203.027 93
79 81.536 95.052 111.014 130.471 153.994 182.942 217.662 94
80 86.866 101.274 118.265 138.984 164.377 195.263 232.279 95
1987 MORTALITY ASUMPTION PER 1000
FPNM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
--- ----- ------ ------ ------ ------ ------ ------ ------
0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168
1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152
2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140
3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137
4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138
5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148
6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189
7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236
8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306
9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373
10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440
11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496
12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538
13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552
14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.409
15 0.317 0.382 0.442 0.492 0.527 0.548 0.411 0.393
16 0.384 0.444 0.475 0.506 0.527 0.406 0.395 0.379
17 0.451 0.482 0.498 0.514 0.404 0.392 0.379 0.367
18 0.460 0.486 0.502 0.391 0.393 0.373 0.360 0.351
19 0.449 0.480 0.374 0.372 0.367 0.347 0.338 0.329
20 0.426 0.349 0.355 0.350 0.341 0.318 0.316 0.306
21 0.308 0.338 0.347 0.340 0.329 0.307 0.311 0.308
22 0.294 0.325 0.339 0.332 0.321 0.306 0.304 0.300
23 0.287 0.315 0.334 0.327 0.319 0.306 0.303 0.302
24 0.276 0.305 0.324 0.324 0.319 0.309 0.305 0.308
25 0.268 0.293 0.316 0.320 0.322 0.314 0.314 0.321
26 0.255 0.280 0.302 0.309 0.318 0.318 0.321 0.330
27 0.256 0.275 0.296 0.310 0.323 0.331 0.340 0.351
28 0.260 0.278 0.297 0.315 0.331 0.345 0.357 0.378
29 0.268 0.284 0.302 0.324 0.346 0.363 0.385 0.410
30 0.278 0.298 0.320 0.340 0.366 0.392 0.415 0.447
31 0.284 0.311 0.332 0.358 0.386 0.417 0.447 0.486
32 0.286 0.315 0.342 0.370 0.402 0.436 0.478 0.523
33 0.280 0.315 0.347 0.383 0.422 0.463 0.511 0.559
34 0.271 0.315 0.355 0.397 0.445 0.493 0.543 0.596
35 0.271 0.323 0.371 0.425 0.477 0.531 0.585 0.645
36 0.271 0.334 0.393 0.455 0.516 0.573 0.637 0.703
37 0.280 0.351 0.420 0.491 0.558 0.623 0.692 0.767
38 0.301 0.383 0.466 0.545 0.620 0.691 0.767 0.854
39 0.328 0.427 0.518 0.605 0.686 0.767 0.853 0.951
40 0.354 0.466 0.566 0.662 0.747 0.832 0.931 1.040
41 0.379 0.503 0.618 0.720 0.812 0.907 1.011 1.124
42 0.411 0.552 0.678 0.792 0.899 1.004 1.115 1.239
43 0.435 0.587 0.725 0.852 0.968 1.080 1.196 1.329
44 0.458 0.621 0.774 0.913 1.034 1.153 1.279 1.419
45 0.483 0.660 0.824 0.976 1.105 1.233 1.369 1.520
46 0.508 0.697 0.875 1.042 1.187 1.326 1.474 1.643
47 0.534 0.741 0.934 1.117 1.285 1.438 1.601 1.786
48 0.558 0.788 1.002 1.205 1.402 1.579 1.758 1.966
49 0.584 0.839 1.077 1.306 1.534 1.737 1.946 2.177
50 0.608 0.898 1.161 1.416 1.669 1.907 2.146 2.403
51 0.651 0.982 1.282 1.566 1.852 2.128 2.402 2.680
52 0.700 1.076 1.411 1.728 2.040 2.349 2.645 2.952
53 0.752 1.173 1.547 1.891 2.231 2.552 2.872 3.208
54 0.813 1.279 1.689 2.061 2.418 2.749 3.088 3.450
55 0.880 1.398 1.848 2.242 2.615 2.958 3.306 3.695
56 0.961 1.533 2.025 2.447 2.833 3.180 3.549 3.968
57 1.061 1.692 2.232 2.685 3.073 3.441 3.839 4.284
58 1.178 1.884 2.481 2.962 3.370 3.768 4.193 4.663
59 1.317 2.109 2.765 3.286 3.731 4.162 4.614 5.101
60 1.477 2.358 3.081 3.647 4.148 4.612 5.088 5.592
61 1.660 2.625 3.417 4.045 4.601 5.096 5.599 6.131
62 1.867 2.903 3.764 4.472 5.064 5.599 6.138 6.715
63 2.098 3.224 4.154 4.918 5.533 6.101 6.680 7.307
64 2.360 3.605 4.596 5.382 6.020 6.620 7.233 7.914
65 2.653 4.009 5.062 5.861 6.538 7.173 7.832 8.593
66 2.972 4.407 5.518 6.352 7.089 7.788 8.528 9.435
67 3.324 4.769 5.924 6.846 7.686 8.495 9.391 10.464
68 3.708 5.102 6.290 7.337 8.333 9.342 10.446 11.736
69 4.127 5.433 6.648 7.833 9.051 10.318 11.696 13.279
70 4.575 5.749 6.995 8.342 9.817 11.399 13.140 15.062
71 5.020 6.303 7.669 9.137 10.741 12.475 14.376 16.427
72 5.504 6.906 8.395 9.994 11.752 13.645 15.683 17.916
73 6.019 7.547 9.166 10.914 12.829 14.864 17.077 19.505
74 6.469 8.102 9.841 11.714 13.749 15.927 18.294 20.884
75 6.817 8.539 10.371 12.331 14.469 16.755 19.237 21.956
76 7.100 8.891 10.792 12.830 15.048 17.419 19.995 22.818
77 7.383 9.244 11.219 13.333 15.630 18.089 20.761 23.685
78 7.832 9.806 11.897 14.132 16.563 19.166 21.991 25.083
79 8.505 10.645 12.908 15.329 17.965 20.782 23.839 27.188
80 9.192 11.498 13.940 16.553 19.393 22.429 25.727 29.337
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ------ ------ ------ ------ ------ ------ ------- --------
0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15
1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16
2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17
3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18
4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19
5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20
6 0.234 0.302 0.366 0.432 O.484 0.522 0.532 0.415 21
7 0.304 0.368 0.434 0.486 0.524 0.535 0.414 0.398 22
8 0.371 0.436 0.488 0.527 0.538 0.412 0.397 0.383 23
9 0.438 0.491 0.530 0.541 0.410 0.395 0.382 0.371 24
10 0.493 0.532 0.543 0.409 0.394 0.380 0.370 0.357 25
11 0.535 0.546 0.407 0.392 0.379 0.369 0.356 0.347 26
12 0.549 0.405 0.390 0.378 0.368 0.355 0.346 0.329 27
13 0.407 0.389 0.376 0.367 0.355 0.345 0.329 0.334 28
14 0.391 0.375 0.366 0.354 0.345 0.328 0.334 0.335 29
15 0.377 0.361 0.353 0.344 0.328 0.334 0.335 0.337 30
16 0.364 0.352 0.340 0.328 0.334 0.335 0.337 0.339 31
17 0.354 0.342 0.329 0.335 0.337 0.339 0.340 0.333 32
18 0.342 0.332 0.319 0.327 0.333 0.337 0.335 0.326 33
19 0.322 0.316 0.306 0.318 0.326 0.333 0.330 0.326 34
20 0.304 0.304 0.296 0.310 0.318 0.326 0.330 0.330 35
21 0.310 0.314 0.312 0.321 0.328 0.336 0.346 0.348 36
22 0.306 0.313 0.317 0.323 0.335 0.349 0.364 0.372 37
23 0.308 0.319 0.325 0.332 0.349 0.367 0.380 0.406 38
24 0.317 0.330 0.344 0.352 0.375 0.398 0.425 0.455 39
25 0.332 0.348 0.367 0.384 0.412 0.449 0.479 0.513 40
26 0.343 0.364 0.387 0.413 0.450 0.493 0.530 0.564 41
27 0.371 0.396 0.421 0.458 0.500 0.547 0.587 0.620 42
28 0.401 0.431 0.464 0.503 0.549 0.600 0.644 0.689 43
29 0.437 0.481 0.517 0.557 0.604 0.657 0.711 0.766 44
30 0.489 0.537 0.576 0.618 0.667 0.727 0.786 0.855 45
31 0.537 0.589 0.632 0.679 0.736 0.803 0.871 0.954 46
32 0.577 0.634 0.680 0.737 0.800 0.874 0.955 1.051 47
33 0.615 0.678 0.737 0.802 0.881 0.975 1.073 1.177 48
34 0.656 0.724 0.794 0.873 0.974 1.088 1.195 1.327 49
35 0.714 0.786 0.865 0.959 1.074 1.195 1.316 1.467 50
36 0.775 0.855 0.946 1.052 1.175 1.312 1.448 1.609 51
37 0.846 0.936 1.037 1.146 1.280 1.433 1.588 1.749 52
38 0.945 1.047 1.146 1.262 1.402 1.568 1.746 1.920 53
39 1.057 1.162 1.270 1.395 1.552 1.742 1.963 2.157 54
40 1.150 1.268 1.380 1.514 1.685 1.904 2.158 2.399 55
41 1.248 1.377 1.505 1.660 1.862 2.115 2.422 2.740 56
42 1.376 1.523 1.674 1.861 2.088 2.378 2.730 3.127 57
43 1.474 1.650 1.837 2.060 2.331 2.661 3.066 3.520 58
44 1.575 1.786 2.014 2.286 2.604 2.985 3.414 3.944 59
45 1.691 1.936 2.214 2.535 2.910 3.322 3.807 4.390 60
46 1.831 2.105 2.429 2.806 3.225 3.695 4.241 4.869 61
47 2.014 2.301 2.659 3.060 3.525 4.046 4.631 5.290 62
48 2.228 2.524 2.891 3.328 3.840 4.408 5.055 5.769 63
49 2.460 2.756 3.143 3.609 4.161 4.792 5.510 6.304 64
50 2.685 2.999 3.416 3.926 4.549 5.274 6.111 7.038 65
51 2.979 3.322 3.767 4.328 5.018 5.839 6.789 7.840 66
52 3.277 3.650 4.140 4.759 5.528 6.449 7.514 8.689 67
53 3.568 3.980 4.530 5.223 6.077 7.091 8.275 9.593 68
54 3.858 4.321 4.941 5.723 6.662 7.770 9.076 10.506 69
55 4.161 4.682 5.385 6.259 7.293 8.505 9.946 11.468 70
56 4.478 5.070 5.863 6.837 7.977 9.311 10.895 12.613 71
57 4.821 5.496 6.381 7.466 8.730 10.199 11.947 13.904 72
58 5.210 5.963 6.944 8.144 9.544 11.177 13.117 15.392 73
59 5.672 6.483 7.555 8.865 10.423 12.252 14.506 17.039 74
60 6.202 7.060 8.218 9.647 11.375 13.510 16.038 18.854 75
61 6.790 7.692 8.980 10.585 12.638 15.127 18.041 21.368 76
62 7.425 8.391 9.821 11.687 14.044 16.901 20.279 24.182 77
63 8.083 9.128 10.818 12.990 15.751 19.149 23.163 27.743 78
64 9.776 9.960 11.859 14.306 17.460 21.334 25.748 31.048 79
65 9.602 10.911 13.080 15.918 19.570 23.944 29.088 35.265 80
66 10.587 12.031 14.469 17.647 21.616 26.488 32.242 38.987 81
67 11.789 13.405 16.192 19.707 24.188 29.702 36.275 43.918 82
68 13.289 15.088 18.121 21.968 26.842 32.841 40.087 48.444 83
69 15.084 17.022 20.459 24.735 30.107 36.754 44.922 54.595 84
70 17.099 19.245 23.133 27.850 33.743 41.063 50.207 61.506 85
71 18.646 20.981 25.392 30.761 37.482 45.837 56.298 69.261 86
72 20.332 22.864 27.965 34.200 42.009 51.748 63.977 79.169 87
73 22.123 24.872 30.749 37.939 46.967 58.248 72.454 90.785 88
74 23.681 26.623 33.134 41.118 51.161 63.728 80.088 100.725 89
75 24.895 27.976 35.058 43.759 54.706 68.845 86.868 109.657 90
76 25.862 29.058 36.411 45.441 57.123 71.909 90.777 114.627 91
77 26.840 30.153 37.779 47.383 59.583 75.043 94.762 119.718 92
78 28.420 31.925 40.179 50.407 63.418 79.897 100.943 126.562 93
79 30.903 34.739 43.733 54.894 69.084 87.079 109.239 136.951 94
80 33.352 37.626 47.391 59.504 74.923 93.819 117.683 147.537 95
1987 MORTALITY ASSUMPTION PER 1000
FNSM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
--- ------ ------ ------ ------ ------ ------ ------ ------
0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168
1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152
2 0.403 0.307 0.247 0.220 0.190 O.174 0.154 0.140
3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137
4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138
5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148
6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189
7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236
8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306
9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373
10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440
11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496
12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538
13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552
14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.591
15 0.317 0.382 0.442 0.492 0.527 0.548 0.594 0.567
16 0.384 0.444 0.475 0.506 0.527 0.587 0.570 0.547
17 0.451 0.482 0.498 0.514 0.583 0.566 0.547 0.529
18 0.460 0.486 0.502 0.564 0.567 0.538 0.520 0.507
19 0.449 0.480 0.540 0.538 0.530 0.501 0.488 0.475
20 0.426 0.504 .0.513 0.506 0.492 0.459 0.456 0.442
21 0.445 0.489 0.502 0.492 0.476 0.444 0.449 0.445
22 0.425 0.470 0.490 0.480 0.464 0.442 0.439 0.434
23 0.415 0.456 0.482 0.472 0.461 0.442 0.437 0.436
24 0.398 0.440 0.467 0.468 0.461 0.446 0.440 0.444
25 0.387 0.423 0.457 0.462 0.465 0.454 0.454 0.464
26 0.369 0.404 0.436 0.446 0.459 0.459 0.464 0.476
27 0.369 0.397 0.427 0.448 0.466 0.478 0.491 0.507
28 0.375 0.401 0.429 0.454 0.478 0.498 0.516 0.545
29 0.387 0.410 0.437 0.468 0.500 0.524 0.556 0.592
30 0.402 0.430 0.462 0.491 0.528 0.566 0.599 0.646
31 0.411 0.449 0.480 0.518 0.558 0.602 0.646 0.702
32 0.413 0.455 0.494 0.535 0.580 0.630 0.690 0.755
33 0.404 0.455 0.502 0.553 0.609 0.669 0.738 0.807
34 0.391 0.454 0.512 0.574 0.643 0.712 0.785 0.861
35 0.391 0.466 0.535 0.614 0.689 0.767 0.845 0.932
36 0.391 0.482 0.568 0.657 0.745 0.828 0.920 1.015
37 0.405 0.507 0.607 0.710 0.806 0.899 0.999 1.107
38 0.435 0.553 0.674 0.787 0.895 0.997 1.108 1.233
39 0.474 0.617 0.748 0.873 0.991 1.108 1.232 1.374
40 0.512 0.672 0.817 0.957 1.078 1.202 1.345 1.502
41 0.548 0.726 0.893 1.040 1.172 1.311 1.460 1.624
42 0.594 0.797 0.979 1.144 1.298 1.450 1.610 1.789
43 0.628 0.848 1.048 1.231 1.399 1.560 1.728 1.920
44 0.661 0.897 1.118 1.319 1.493 1.666 1.847 2.050
45 0.697 0.953 1.191 1.410 1.596 1.781 1.977 2.195
46 0.734 1.007 1.264 1.505 1.715 1.915 2.129 2.373
47 0.771 1.070 1.349 1.613 1.856 2.078 2.312 2.580
48 0.806 1.138 1.447 1.740 2.026 2.281 2.539 2.840
49 0.843 1.212 1.556 1.887 2.215 2.508 2.811 3.145
50 0.879 1.296 1.677 2.045 2.410 2.754 3.100 3.472
51 0.941 1.419 1.852 2.262 2.675 3.074 3.469 3.871
52 1.010 1.554 2.037 2.496 2.947 3.393 3.821 4.264
53 1.087 1.694 2.235 2.731 3.223 3.686 4.148 4.633
54 1.174 1.848 2.440 2.977 3.492 3.971 4.461 4.983
55 1.271 2.019 2.670 3.238 3.778 4.272 4.776 5.337
56 1.389 2.214 2.925 3.535 4.092 4.593 5.127 5.731
57 1.532 2.444 3.224 3.879 4.439 4.971 5.545 6.188
58 1.701 2.721 3.584 4.279 4.868 5.443 6.056 6.735
59 1.903 3.046 3.994 4.746 5.389 6.012 6.665 7.367
60 2.134 3.405 4.450 5.269 5.992 6.661 7.350 8.077
61 2.398 3.792 4.936 5.843 6.646 7.360 8.088 8.857
62 2.697 4.193 5.437 6.459 7.315 8.087 8.866 9.700
63 3.031 4.657 6.000 7.103 7.992 8.813 9.650 10.554
64 3.409 5.207 6.638 7.774 8.695 9.562 10.447 11.431
65 3.832 5.790 7.312 8.466 9.444 10.361 11.313 12.413
66 4.292 6.366 7.970 9.175 10.240 11.249 12.319 13.628
67 4.802 6.888 8.556 9.888 11.102 12.271 13.564 15.114
68 5.356 7.370 9.085 10.598 12.036 13.494 15.089 16.953
69 5.962 7.847 9.603 11.315 13.074 14.903 16.894 19.180
70 6.609 8.304 10.104 12.049 14.181 16.466 18.980 21.757
71 7.251 9.104 11.077 13.198 15.514 18.020 20.766 23.728
72 7.950 9.975 12.127 14.436 16.975 19.710 22.653 25.879
73 8.694 10.901 13.240 15.764 18.531 21.470 24.667 28.175
74 9.344 11.704 14.215 16.920 19.859 23.006 26.425 30.166
75 9.847 12.334 14.980 17.812 20.899 24.202 27.787 31.715
76 10.256 12.843 15.588 18.532 21.737 25.161 28.882 32.959
77 10.664 13.352 16.205 19.259 22.577 26.129 29.989 34.212
78 11.314 14.164 17.184 20.412 23.924 27.685 31.764 36.230
79 12.285 15.376 18.645 22.142 25.949 30.018 34.435 39.272
8O 13.278 16.608 20.136 23.910 28.012 32.398 37.161 42.376
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ------ ------ ------ ------ ------ ------- ------- --------
0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15
1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16
2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17
3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18
4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19
5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20
4 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.502 21
7 0.304 0.368 0.434 0.486 0.524 0.535 0.516 0.482 22
8 0.371 0.436 0.488 0.527 0.538 0.530 0.495 0.463 23
9 0.438 0.491 0.530 0.541 0.543 0.508 0.476 0.450 24
10 0.493 0.532 0.543 0.557 0.521 0.489 0.462 0.432 25
11 0.535 0.546 0.571 0.535 0.502 0.475 0.445 0.420 26
12 0.549 0.585 0.548 0.515 0.488 0.457 0.432 0.399 27
13 0.588 0.562 0.528 0.501 0.470 0.444 0.410 0.404 28
14 0.564 0.541 0.514 0.482 0.457 0.422 0.417 0.405 29
15 0.544 0.522 0.495 0.469 0.434 0.429 0.418 0.408 30
16 0.525 0.508 0.477 0.447 0.442 0.431 0.421 0.410 31
17 0.512 0.494 0.462 0.457 0.446 0.436 0.424 0.403 32
18 0.494 0.479 0.448 0.446 0.440 0.433 0.418 0.395 33
19 0.465 0.457 0.430 0.434 0.432 0.428 0.411 0.394 34
20 0.439 0.439 0.415 0.423 0.421 0.419 0.412 0.399 35
21 0.448 0.454 0.438 0.438 0.435 0.432 0.432 0.421 36
22 0.441 0.452 0.445 0.440 0.443 0.449 0.454 0.450 37
23 0.444 0.461 0.454 0.452 0.463 0.472 0.474 0.491 38
24 0.458 0.476 0.483 0.480 0.497 0.511 0.530 0.551 39
25 0.479 0.502 0.515 0.524 0.545 0.577 0.597 0.621 40
26 0.496 0.526 0.544 0.563 0.596 0.633 0.661 0.683 41
27 0.535 0.572 0.591 0.624 0.662 0.703 0.733 0.751 42
28 0.580 0.622 0.651 0.686 0.726 0.772 0.803 0.834 43
29 0.632 0.695 0.726 0.759 0.801 0.845 0.887 0.927 44
30 0.706 0.776 0.809 0.843 0.883 0.934 0.980 1.034 45
31 0.776 0.851 0.887 0.925 0.974 1.032 1.087 1.155 46
32 0.834 0.916 0.955 l.005 1.059 1.124 1.192 1.272 47
33 0.889 0.980 1.034 1.094 1.166 1.253 1.339 1.425 48
34 0.948 1.046 1.115 1.191 1.290 1.399 1.492 1.606 49
35 1.031 1.135 1.215 1.308 1.422 1.537 1.642 1.776 50
36 1.119 1.235 1.328 1.434 . 1.556 1.686 1.806 1.947 51
37 1.222 1.352 1.456 1.563 1.695 1.842 1.982 2.118 52
38 1.365 1.512 1.608 1.721 1.857 2.017 2.179 2.324 53
39 1.527 1.679 1.783 1.903 2.055 2.239 2.449 2.612 54
40 1.661 1.832 1.937 2.064 2.231 2.448 2.693 2.904 55
41 1.803 1.989 2.113 2.264 2.446 2.720 3.022 3.317 56
42 1.988 2.201 2.349 2.537 2.765 3.058 3.407 3.785 57
43 2.130 2.383 2.578 2.809 3.087 3.422 3.826 4.261 58
44 2.275 2.580 2.827 3.117 3.449 3.837 4.261 4.775 59
45 2.443 2.796 3.108 3.457 3.854 4.271 4.750 5.315 60
46 2.645 3.041 3.410 3.827 4.270 4.751 5.291 5.895 61
47 2.909 3.324 3.733 4.172 4.669 5.202 5.778 6.404 62
48 3.218 3.646 4.058 4.538 5.085 5.667 6.307 6.984 63
49 3.554 3.980 4.412 4.922 5.510 6.161 8.875 7.631 64
50 3.878 4.332 4.795 5.353 6.024 6.781 7.426 8.520 65
51 4.303 4.798 5.287 5.902 6.645 7.507 8.471 9.491 66
52 4.733 5.272 5.811 6.489 7.321 8.292 9.375 10.518 67
53 5.154 5.749 6.359 7.122 8.048 9.117 10.325 11.613 68
54 5.573 6.242 6.936 7.804 8.823 9.990 11.325 12.718 69
55 6.010 6.762 7.558 8.534 9.658 10.935 12.411 13.883 70
56 6.469 7.324 8.229 9.323 10.565 11.971 13.595 15.269 71
57 6.963 7.938 8.957 10.180 11.562 13.112 14.907 16.831 72
58 7.526 8.413 9.747 11.105 12.640 14.371 16.367 18.432 73
59 8.193 9.364 10.605 12.089 13.803 15.752 18.101 20.626 74
60 8.958 10.197 11.535 13.155 15.065 17.371 20.012 22.823 75
61 9.807 11.110 . 12.604 14.434 16.737 19.449 22.511 25.867 76
62 10.725 12.120 13.786 15.937 18.599 21.730 25.304 29.273 77
63 11.676 13.185 . 15.185 17.714 20.859 24.620 28.902 33.584 78
64 12.676 14.387 16.647 19.509 23.123 27.429 32.128 37.584 79
65 13.869 15.761 18.340 21.706 25.917 30.785 34.296 42.689 80
66 15.292 17.378 20.310 24.064 28.626 34.056 40.232 47.195 81
67 17.028 19.363 22.729 26.873 32.033 38.188 45.263 53.163 82
68 19.195 21.794 25.434 29.957 35.548 42.224 50.020 58.642 83
69 21.788 24.588 28.717 33.729 39.871 47.255 56.053 66.089 84
70 24.699 27.798 32.472 37.977 44.687 52.795 62.647 74.455 85
71 26.933 30.306 35.642 41.947 49.639 58.933 70.248 83.842 86
72 29.368 33.025 39.254 46.637 55.634 64.533 79.830 95.836 87
73 31.955 35.926 43.162 51.735 62.199 74.891 90.407 109.898 88
74 34.206 38.455 46.509 56.070 67.754 81.936 99.933 121.931 89
75 35.959 40.409 49.210 59.671 72.449 88.515 108.392 132.742 90
76 37.357 41.973 51.109 61.944 75.650 92.454 113.271 138.758 91
77 38.768 43.555 53.029 64.613 78.907 94.483 118.243 144.922 92
78 41.051 46.115 56.397 68.737 83.986 102.725 125.955 153.207 93
79 44.493 50.179 61.386 74.854 91.490 111.958 136.308 165.782 94
8O 48.175 54.349 66.521 81.142 99.222 120.624 146.844 178.597 95
1987 MORTALITY ASSUMPTION PER 1000
FPSM
x [X] [X]+1 [X]+2 [X]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ------ ------ ------ ------ ------ ------ ------ ------
0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168
1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152
2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140
3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137
4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138
5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148
6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189
7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236
8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306
9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373
10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440
11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496
12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538
13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552
14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.593
15 0.317 0.382 0.442 0.492 0.527 0.548 0.596 0.580
16 0.384 0.444 0.475 0.506 0.527 0.589 0.582 0.569
17 0.451 0.482 0.498 0.514 0.585 0.578 0.569 0.560
18 0.460 0.486 0.502 0.566 0.580 0.560 0.550 0.546
19 0.449 0.480 0.542 0.549 0.551 0.530 0.525 0.520
20 0.426 0.505 0.524 0.526 0.521 0.494 0.500 0.495
21 0.447 0.499 0.522 0.520 0.512 0.486 0.502 0.512
22 0.434 0.489 0.518 0.516 0.508 0.495 0.505 0.515
23 0.432 0.482 0.519 0.517 0.516 0.508 0.520 0.537
24 0.421 0.474 0.512 0.525 0.530 0.529 0.542 0.566
25 0.416 0.464 0.512 0.532 0.552 0.559 0.578 0.608
26 0.404 0.453 0.502 0.530 0.565 0.584 0.608 0.639
27 0.414 0.457 0.508 0.551 0.594 0.626 0.659 0.693
28 0.432 0.476 0.528 0.579 0.627 0.668 0.705 0.755
29 0.459 0.505 0.556 0.613 0.671 0.716 0.769 0.830
30 0.495 0.548 0.606 0.659 0.721 0.784 0.841 0.919
31 0.523 0.589 0.643 0.707 0.772 0.845 0.918 1.010
32 0.541 0.610 0.675 0.740 0.814 0.895 0.994 1.101
33 0.542 0.621 0.695 0.777 0.866 0.963 1.076 1.192
34 0.535 0.629 0.719 0.816 0.926 1.038 1.159 1.288
35 0.542 0.654 0.761 0.885 1.005 1.133 1.263 1.405
36 0.549 0.685 0.817 0.958 1.100 1.238 1.387 1.544
37 0.575 0.729 0.885 1.048 1.206 1.356 1.519 1.697
38 0.626 0.807 0.995 1.176 1.350 1.516 1.698 1.897
39 0.691 0.912 1.119 1.317 1.506 1.698 1.895 2.105
40 0.756 1.006 1.232 1.454 1.652 1.850 2.060 2.292
41 0.819 1.094 1.357 1.594 1.804 2.009 2.228 2.469
42 0.896 1.212 1.501 1.761 1.989 2.213 2.448 2.709
43 0.955 1.299 1.612 1.886 2.134 2.371 2.616 2.894
44 1.013 1.381 1.713 2.013 2.269 2.522 2.785 3.066
45 1.072 1.460 1.817 2.143 2.416 2.686 2.957 3.242
46 1.125 1.537 1.921 2.279 2.585 2.864 3.145 3.460
47 1.177 1.626 2.042 2.433 2.776 3.069 3.372 3.715
48 1.225 1.723 2.181 2.602 2.992 3.327 3.656 4.020
49 1.276 1.827 2.326 2.787 3.231 3.612 3.978 4.374
50 1.325 1.939 2.477 2.983 3.471 3.899 4.312 4.743
51 1.407 2.096 2.701 3.257 3.786 4.276 4.740 5.194
52 1.492 2.267 2.934 3.532 4.098 4.635 5.126 5.590
53 1.585 2.440 3.163 3.799 4.403 4.945 5.438 5.931
54 1.691 2.615 3.393 4.068 4.685 5.205 5.709 6.255
55 1.799 2.808 3.648 4.345 4.952 5.468 5.995 6.568
56 1.931 3.025 3.924 4.634 5.237 5.765 6.310 6.912
57 2.093 3.278 4.226 4.965 5.573 6.118 6.687 7.311
58 2.282 3.567 4.587 5.372 5.991 6.565 7.155 7.792
59 2.495 3.899 5.014 5.841 6.499 7.104 7.712 8.342
60 2.731 4.275 5.477 6.355 7.080 7.707 8.322 8.946
61 3.010 4.667 5.954 6.904 7.689 8.334 8.958 9.592
62 3.319 5.057 6.424 7.473 8.282 8.958 9.602 10.267
63 3.656 5.503 6.942 8.043 8.852 9.545 10.213 10.911
64 4.028 6.024 7.516 8.611 9.418 10.120 10.800 11.536
65 4.434 6.556 8.099 9.169 9.996 10.712 11.418 12.221
66 4.860 7.051 8.632 9.711 10.586 11.353 12.129 13.082
67 5.319 7.461 9.056 10.222 11.205 12.081 13.021 14.137
68 5.801 7.801 9.392 10.696 11.851 12.954 14.114 15.545
69 6.310 8.113 9.692 11.140 12.550 13.940 15.492 17.232
70 6.833 8.381 9.949 11.567 13.264 15.099 17.052 19.146
71 7.318 8.964 10.634 12.345 14.226 16.190 18.274 20.443
72 7.827 9.576 11.343 13.237 15.250 17.345 19.517 21.818
73 8.346 10.196 12.141 14.163 16.307 18.498 20.796 23.233
74 8.740 10.732 12.771 14.890 17.110 19.395 21.790 24.317
75 9.029 11.081 13.183 15.346 17.619 19.957 22.399 24.982
76 9.214 11.302 13.430 15.624 17.924 20.283 22.751 25.354
77 9.385 11.504 13.662 15.881 18.200 20.582 23.069 25.685
78 9.747 11.941 14.170 16.455 18.846 21.297 23.848 26.532
79 10.357 12.679 15.030 17.442 19.962 22.537 25.217 28.034
80 10.949 13.388 15.861 18.393 21.030 23.725 26.527 29.468
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
-- ------ ------ ------ ------ ------ ------ ------- --------
0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15
1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16
2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17
3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18
4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19
5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20
6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.641 21
7 0.304 0.368 0.434 0.486 0.524 0.535 0.632 0.626 22
8 0.371 0.436 0.488 0.527 0.538 0.623 0.618 0.613 23
9 0.438 0.491 0.530 0.541 0.615 0.609 0.605 0.605 24
10 0.493 0.532 0.543 0.605 0.601 0.597 0.598 0.592 25
11 0.535 0.546 0.596 0.592 0.588 0.590 0.585 0.585 26
12 0.549 0.587 0.583 0.580 0.582 0.578 0.578 0.568 27
13 0.590 0.574 0.572 0.574 0.570 0.571 0.562 0.592 28
14 0.577 0.563 0.566 0.563 0.564 0.555 0.586 0.612 29
15 0.566 0.553 0.555 0.557 0.549 0.580 0.606 0.638 30
16 0.556 0.547 0.544 0.542 0.574 0.600 0.633 0.664 31
17 0.551 0.541 0.539 0.570 0.597 0.629 0.660 0.672 32
18 0.541 0.537 0.537 0.574 0.611 0.647 0.670 0.674 33
19 0.521 0.526 0.531 0.579 0.620 0.659 0.674 0.685 34
20 0.506 0.521 0.532 0.583 0.622 0.660 0.687 0.703 35
21 0.532 0.559 0.581 0.622 0.658 0.693 0.730 0.751 36
22 0.543 0.576 O.607 0.640 0.683 0.729 0.778 0.813 37
23 0.566 0.604 0.637 0.670 0.722 0.778 0.823 0.900 38
24 0.600 0.639 0.687 0.720 0.786 0.853 0.933 1.022 39
25 0.643 0.686 0.742 0.796 0.874 0.975 1.064 1.167 40
26 0.677 0.729 0.794 0.867 0.968 1.084 1.193 1.298 41
27 0.741 0.803 0.875 0.974 1.089 1.219 1.338 1.439 42
28 0.813 0.884 0.975 1.085 1.210 1.354 1.479 1.612 43
29 0.898 1.000 1.102 1.215 1.350 1.495 1.646 1.806 44
30 1.017 1.131 1.243 1.366 1.501 1.667 1.835 2.024 45
31 1.132 1.256 1.380 1.512 1.669 1.856 2.042 2.251 46
32 1.231 1.369 1.499 1.655 1.830 2.030 2.231 2.470 47
33 1.329 1.477 1.636 1.815 2.023 2.253 2.496 2.755 48
34 1.429 1.591 1.778 1.985 2.228 2.505 2.770 3.092 49
35 1.568 1.739 1.945 2.171 2.447 2.741 3.036 3.405 50
36 1.715 1.899 2.119 2.371 2.667 2.996 3.327 3.703 51
37 1.881 2.072 2.312 2.574 2.894 3.259 3.620 3.978 52
38 2.092 2.307 2.545 2.822 3.156 3.539 3.931 4.310 53
39 2.331 2.552 2.809 3.108 3.465 3.882 4.363 4.783 54
40 2.525 2.773 3.040 3.344 3.716 4.189 4.737 5.227 55
41 2.729 2.999 3.288 3.623 4.055 4.596 5.226 5.867 56
42 2.997 3.291 3.611 4.009 4.490 5.079 5.788 6.577 57
43 3.185 3.520 3.913 4.382 4.926 5.586 6.386 7.270 58
44 3.360 3.763 4.237 4.780 5.409 6.153 6.983 7.960 59
45 3.563 4.026 4.578 5.209 5.937 6.725 7.606 8.651 60
46 3.809 4.304 4.936 5.664 6.460 7.310 8.274 9.411 61
47 4.118 4.623 5.308 6.064 6.901 7.814 8.861 10.023 62
48 4.476 4.981 5.667 6.444 7.339 8.349 9.483 10.713 63
49 4.855 5.340 6.019 6.825 7.799 8.900 10.130 11.466 64
50 5.202 5.678 6.388 7.280 8.361 9.599 11.006 12.536 65
51 5.640 6.141 6.908 7.869 9.037 10.410 11.973 13.666 66
52 6.058 6.618 7.444 8.479 9.754 11.258 12.968 14.817 67
53 6.470 7.076 7.983 9.116 10.499 12.114 13.972 15.995 68
54 6.859 7.529 8.529 9.782 11.264 12.987 14.984 17.118 69
55 7.249 7.990 9.102 10.470 12.062 13.900 16.047 18.253 70
56 7.643 8.474 9.698 11.188 12.902 14.870 17.169 19.598 71
57 8.056 8.988 10.327 11.945 13.798 15.909 18.379 21.075 72
58 8.521 9.541 10.988 12.733 14.734 17.022 19.687 22.747 73
59 9.075 10.142 11.683 13.539 15.708 18.202 21.228 24.536 74
60 9.702 10.793 12.413 14.384 16.725 19.571 22.867 26.615 75
61 10.380 11.486 13.240 15.395 18.117 21.350 25.217 29.555 76
62 11.088 12.232 14.128 16.575 19.616 23.385 27.772 32.762 77
63 11.783 12.982 15.173 17.950 21.567 25.959 31.072 36.797 78
64 12.481 13.811 16.207 19.380 23.424 28.329 33.815 40.296 79
65 13.314 14.742 17.523 21.126 25.717 31.127 37.382 44.767 80
66 14.303 15.935 18.992 22.942 27.809 33.696 40.528 48.383 81
67 15.615 17.396 20.819 25.082 30.451 36.957 44.574 53.258 82
68 17.246 19.180 22.809 27.360 33.052 39.946 48.134 57.370 83
69 19.174 21.184 25.199 30.130 36.241 43.687 52.676 63.100 84
70 21.279 23.436 27.870 33.165 39.691 47.664 57.457 69.341 85
71 22.706 24.991 29.905 35.796 43.056 51.926 62.845 76.114 86
72 24.217 26.622 32.184 38.865 47.095 57.183 69.616 84.755 87
73 25.759 28.300 34.559 42.077 51.359 62.742 76.803 95.459 88
74 26.944 29.582 36.344 44.483 54.535 66.671 83.384 104.008 89
75 27.662 30.338 37.510 46.145 56.807 70.954 88.817 111.154 90
76 28.046 30.738 37.975 46.681 58.261 72.779 91.112 114.027 91
77 28.391 31.091 38.383 47.809 59.678 74.558 93.340 116.825 92
78 29.304 32.068 40.094 49.947 62.354 77.902 97.535 122.289 93
79 30.940 34.273 42.857 53.395 66.659 83.288 104.514 131.041 94
80 32.905 36.454 45.590 56.801 70.917 88.853 111.498 139.771 95
1987 MORTALITY ASSUMPTION PER 1000
FSKM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ------ ------ ------ ------ ------ ------ ------ ------
0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168
1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152
2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140
3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137
4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138
5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148
6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189
7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236
8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306
9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373
10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440
11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496
12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538
13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552
14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.919
15 0.317 0.382 0.442 0.492 0.527 0.548 0.924 0.898
16 0.384 0.444 0.475 0.506 0.527 0.912 0.903 0.682
17 0.451 0.482 0.498 0.514 0.907 0.896 0.882 0.869
18 0.460 0.486 0.502 0.877 0.898 0.867 0.853 0.846
19 0.449 0.480 0.839 0.852 0.854 0.822 0.814 0.806
20 0.426 0.783 0.813 0.815 0.808 0.766 0.775 0.768
21 0.692 0.774 0.809 0.807 0.794 0.754 0.779 0.793
22 0.672 0.757 0.803 0.800 0.787 0.766 0.782 0.798
23 0.669 0.747 0.805 0.802 0.800 0.788 0.805 0.833
24 0.653 0.734 0.794 0.813 0.822 0.820 0.840 0.877
25 0.646 0.719 0.793 0.824 0.856 0.866 0.895 0.942
26 0.627 0.702 0.777 0.821 0.875 0.906 0.943 0.990
27 0.641 0.708 0.787 0.855 0.920 0.970 1.021 1.074
28 0.670 0.738 0.819 0.897 0.972 1.036 1.092 1.171
29 0.712 0.782 0.862 0.950 1.040 1.111 1.193 1.287
30 0.767 0.849 0.939 1.021 1.118 1.215 1.303 1.424
31 0.811 0.913 0.997 1.096 1.196 1.310 1.423 1.566
32 0.839 0.946 1.046 1.147 1.262 1.388 1.540 1.707
33 0.840 0.963 1.077 1.204 1.342 1.493 1.668 1.848
34 9.828 0.975 1.114 1.265 1.435 1.609 1.796 1.997
35 0.839 1.014 1.179 1.371 1.557 1.756 1.958 2.178
36 0.850 1.062 1.267 1.485 1.706 1.919 2.150 2.393
37 0.892 1.131 1.372 1.625 1.869 2.102 2.354 2.630
38 0.971 1.251 1.542 1.823 2.092 2.350 2.631 2.940
39 1.071 1.413 1.734 2.041 2.335 2.631 2.937 3.263
40 1.172 1.559 1.910 2.254 2.561 2.867 3.193 3.552
41 1.269 1.696 2.103 2.470 2.796 3.113 3.453 3.827
42 1.388 1.879 2.326 2.729 3.083 3.430 3.794 4.198
43 1.481 2.013 2.499 2.923 3.308 3.675 4.055 4.486
44 1.570 2.140 2.656 3.120 3.518 3.909 4.316 4.752
45 1.662 2.263 2.817 3.322 3.744 4.163 4.584 5.025
46 1.744 2.382 2.977 3.532 4.007 4.440 4.875 5.364
47 1.824 2.521 3.165 3.770 4.303 4.757 5.227 5.758
48 1.899 2.670 3.381 4.033 4.637 5.157 5.667 6.231
49 1.978 2.832 3.606 4.319 5.008 5.599 6.166 6.780
50 2.054 3.005 3.839 4.624 5.380 6.043 6.683 7.352
51 2.180 3.249 4.187 5.048 5.868 6.627 7.347 8.050
52 2.313 3.514 4.548 5.475 6.352 7.185 7.946 8.664
53 2.457 3.782 4.902 5.888 6.824 7.664 8.428 9.192
54 2.620 4.053 5.260 6.305 7.262 8.068 8.849 9.696
55 2.789 4.353 5.654 6.734 7.676 8.475 9.293 10.181
56 2.994 4.689 6.082 7.183 8.118 8.936 9.781 10.714
57 3.244 5.082 6.551 7.695 8.638 9.483 10.365 11.332
58 3.537 5.529 7.110 8.326 9.286 10.176 11.090 12.078
59 3.867 6.044 7.772 9.054 10.074 11.011 11.953 12.930
60 4.233 6.626 8.490 9.850 10.973 11.945 12.899 13.867
61 4.666 7.234 9.228 10.701 11.918 12.917 13.885 14.868
62 5.144 7.838 9.957 11.583 12.837 13.884 14.884 15.913
63 5.666 8.529 10.760 12.466 13.721 14.795 15.830 16.912
64 6.243 9.338 11.649 13.347 14.597 15.686 16.741 17.881
65 6.872 10.162 12.554 14.212 15.493 16.603 17.697 18.943
66 7.533 10.930 13.380 15.052 16.409 17.597 18.800 20.278
67 8.244 11.564 14.037 15.845 17.368 18.726 20.183 21.913
68 8.991 12.091 14.558 16.579 18.369 20.079 21.877 24.095
69 9.780 12.575 15.022 17.267 19.453 21.607 24.012 26.710
70 10.590 12.990 15.420 17.929 20.560 23.403 26.431 29.677
71 11.343 13.894 16.483 19.134 22.050 25.094 28.325 31.687
72 12.132 14.842 17.581 20.517 23.638 26.885 30.251 33.817
73 12.936 15.804 18.819 21.952 25.277 28.671 32.234 36.011
74 13.548 16.634 19.796 23.080 26.520 30.063 33.775 37.692
75 13.995 17.176 20.433 23.786 27.310 30.933 34.719 38.723
76 14.282 17.518 20.817 24.217 27.782 31.438 35.263 39.299
77 14.546 17.830 21.176 24.615 28.210 31.902 35.757 39.812
78 15.108 18.509 21.964 25.505 29.211 33.010 34.964 41.125
79 16.054 19.652 23.296 27.035 30.941 34.932 39.087 43.453
80 16.970 20.752 24.585 28.509 32.597 36.775 41.117 45.676
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
-- ------ ------ ------ ------ ------ ------- ------- --------
0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15
1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16
2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17
3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 O.476 18
4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19
5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20
6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.798 21
7 0.304 0.368 0.434 0.486 0.524 0.535 0.816 0.780 22
8 0.371 0.436 0.488 0.527 0.538 0.834 0.797 0.763 23
9 0.438 0.491 0.530 0.541 0.853 0.816 0.781 0.753 24
10 0.493 0.532 0.543 0.872 0.834 0.799 0.771 0.737 25
11 0.535 0.546 0.891 0.852 0.817 0.789 0.755 0.727 26
12 0.549 0.910 0.871 0.835 0.808 0.773 0.746 0.707 27
13 0.915 0.889 0.854 0.827 0.792 0.764 0.725 0.737 28
14 0.894 0.873 0.845 0.810 0.783 0.743 0.756 0.761 29
15 0.878 0.857 0.829 0.802 0.762 0.776 0.782 0.794 30
16 0.862 0.848 0.813 0.780 0.796 0.804 0.817 0.826 31
17 0.854 0.839 0.805 0.821 0.829 0.842 0.852 0.836 32
18 0.838 0.832 0.802 0.826 0.848 0.866 0.865 0.839 33
19 0.808 0.815 0.794 0.833 0.861 0.881 0.870 0.852 34
20 0.784 0.808 0.794 0.840 0.863 0.883 0.887 0.875 35
21 0.825 0.866 0.867 0.896 0.913 0.927 0.942 0.934 36
22 0.842 0.893 0.907 0.921 0.948 0.976 1.004 1.012 37
23 0.877 0.936 0.952 0.964 1.003 1.041 1.062 1.120 38
24 0.930 0.990 1.026 1.037 1.092 1.141 1.204 1.272 39
25 0.996 1.063 1.109 1.146 1.214 1.306 1.373 1.452 40
26 1.050 1.130 1.186 1.248 1.343 1.451 1.539 1.615 41
27 1.149 1.245 1.307 1.402 1.512 1.631 1.727 1.791 42
28 1.261 1.370 1.457 1.562 1.679 1.813 1.909 2.006 43
29 1.392 1.550 1.646 1.750 1.874 2.001 2.125 2.247 44
30 1.576 1.753 1.857 1.967 2.084 2.231 2.368 2.519 45
31 1.755 1.947 2.062 2.177 2.318 2.484 2.636 2.801 46
32 1.908 2.122 2.239 2.384 2.541 2.717 2.880 3.073 47
33 2.060 2.289 2.444 2.614 2.809 3.016 3.221 3.428 48
34 2.215 2.466 2.656 2.858 3.093 3.353 3.575 3.848 49
35 2.430 2.696 2.906 3.126 3.397 3.669 3.918 4.237 50
36 2.659 2.944 3.165 3.415 3.702 4.010 4.294 4.608 51
37 2.915 3.211 3.454 3.707 4.017 4.362 4.672 4.950 52
38 3.242 3.576 3.801 4.064 4.382 4.737 5.073 5.364 53
39 3.612 3.955 4.196 4.475 4.810 5.195 5.631 5.952 54
40 3.914 4.298 4.541 4.815 5.159 5.607 6.114 6.504 55
41 4.230 4.648 4.913 5.216 5.630 6.152 6.744 7.301 56
42 4.645 5.101 5.395 5.773 6.233 6.798 7.470 8.185 57
43 4.936 5.456 5.846 6.310 6.839 7.476 8.242 9.047 58
44 5.207 5.833 6.330 6.883 7.509 8.236 9.012 9.906 59
45 5.523 6.241 6.839 7.501 8.243 9.001 9.816 10.766 60
46 5.904 6.671 7.374 8.156 8.968 9.784 10.678 11.711 61
47 6.382 7.166 7.929 8.732 9.580 10.459 11.436 12.473 62
48 6.938 7.721 8.466 9.280 10.188 11.175 12.238 13.331 63
49 7.526 8.277 8.992 9.828 10.827 11.912 13.074 14.268 64
50 8.064 8.801 9.543 10.484 11.606 12.848 14.205 15.601 65
51 8.743 9.519 10.320 11.331 12.546 13.933 15.452 17.007 66
52 9.391 10.257 11.120 12.210 13.541 15.069 16.736 18.439 67
53 10.029 10.967 11.925 13.126 14.575 16.215 18.031 19.905 68
54 10.632 11.669 12.742 14.086 15.637 17.383 19.338 21.303 69
55 11.236 12.384 13.597 15.076 16.745 18.604 20.709 22.714 70
56 11.847 13.134 14.488 16.110 17.911 19.903 22.158 24.388 71
57 12.487 13.931 15.427 17.201 19.155 21.294 23.719 26.226 72
58 13.208 14.788 16.415 18.336 20.454 22.783 25.407 28.307 73
59 14.066 15.720 17.453 19.497 21.806 24.363 27.396 30.534 74
60 15.038 16.729 18.543 20.712 23.218 26.195 29.511 33.121 75
61 16.089 17.803 19.780 22.169 25.150 28.576 32.545 36.779 76
62 17.186 18.960 21.105 23.868 27.232 31.300 35.842 40.770 77
63 18.264 20.122 22.667 25.848 29.940 34.745 40.100 45.791 78
64 19.345 21.407 24.211 27.907 32.518 37.917 43.641 50.146 79
65 20.637 22.850 26.178 30.422 35.701 41.662 48.244 55.710 80
66 22.170 24.700 28.372 33.036 38.605 45.101 52.304 60.210 81
67 24.203 26.965 31.101 36.118 42.273 49.465 57.526 66.276 82
68 26.731 29.729 34.074 39.399 45.884 53.466 62.120 71.394 83
69 29.719 32.834 37.645 43.388 50.310 58.473 67.982 78.525 84
70 32.983 36.325 41.634 47.758 55.100 63.796 74.152 86.291 85
71 35.195 38.735 44.674 51.546 59.772 69.501 81.106 94.720 86
72 37.537 41.264 48.079 55.966 65.379 76.537 89.845 105.472 87
73 39.927 43.864 51.627 60.591 71.299 83.978 99.119 118.794 88
74 41.764 45.853 54.293 64.055 75.707 89.504 107.612 129.432 89
75 42.876 47.024 56.035 66.449 78.862 94.969 114.624 138.325 90
76 43.471 47.644 56.729 67.221 80.880 97.412 117.586 141.900 91
77 44.006 48.192 57.340 68.846 82.846 99.793 120.461 145.383 92
78 45.421 49.706 59.896 71.924 86.562 104.269 125.875 152.182 93
79 47.957 53.123 64.022 76.889 92.538 111.478 134.882 163.073 94
80 51.002 56.504 68.105 81.793 98.449 118.926 143.895 173.938 95
MEMORANDUM ADDENDUM NO. II
Covering Conversions of Certain Policies
Originally Issued by
American Agency Life Insurance Company
To the Reinsurance Agreement between
THE LIFE INSURANCE COMPANY OF VIRGINIA
Richmond, Virginia
And
NORTH AMERICAN REASSURANCE COMPANY
New York, New York
MEMORANDUM ADDENDUM NO. __
To the Reinsurance Agreement
Between
THE LIFE INSURANCE COMPANY OF VIRGINIA
And the
NORTH AMERICAN REASSURANCE COMPANY
Except as hereinafter stated, all the terms and conditions of the Reinsurance
Agreement effective the 1st day of June, 1984, shall apply and this Addendum is
to be attached to and made part of the aforesaid Agreement.
1. Effective July 1, 1985 North American Re agrees to provide reinsurance
coverage under this Agreement for GP-20 policies issued by American Agency Life
Insurance Company (AALIC) and converted to the Company's Charger F/T or
Contender Plus plans of insurance.
2. The amount of reinsurance to be ceded to North American Re on the
conversions described in paragraph 1., above, when the amount of insurance is
not being increased will be the sum of a and b, where
a= the amount of reinsurance previously ceded to North American Re by
XXXXX
and
b= the portion of reinsurance previously ceded to reinsurers who are not
participating in the conversion program which exceeds the Company's
retention.
3. The amount of reinsurance to be ceded to North American Re on
conversions described in paragraph 1., above, when the amount of insurance is
being increased will be the amount indi-
-1-
cated in paragraph 2., above, plus the portion of the increase in insurance that
exceeds the Company's available retention.
4. Reinsurance described in paragraph 2., above, shall be ceded
automatically. Reinsurance described in paragraph 3., above, shall also be ceded
automatically if the total amount of reinsurance ceded to North American Re does
not exceed North American Re's share of the automatic coverage detailed in
Exhibit G of the Reinsurance Agreement to which this Memorandum Addendum is
attached. If the amount to be ceded to North American Re does exceed these
limits, the excess should be submitted to North American Re for facultative
consideration.
5. Reinsurance ceded hereunder shall not be eligible for recapture before
the tenth anniversary of the conversion.
6. Reinsurance premiums for reinsurance ceded hereunder shall be the Cost
of Insurance rates for the plan involved, attached to this Memorandum Addendum
as Exhibit A, less the following percentage reductions:
Years
----------------
Plan Class 1 2-10 11+
----------- ------------------- --- ---- ---
Charger F/T Preferred Nonsmoker 13% 13% 13%
Standard Nonsmoker 20 20 20
Preferred Smoker 13 13 13
Standard Smoker 20 20 20
Contender + Preferred Nonsmoker 100% 15% 10%
Standard Nonsmoker 100 20 10
Preferred Smoker 100 10 10
Standard Smoker 100 10 10
Should the Company change its Cost of Insurance rates, North American Re
reserves the right to revise the premium percentage reductions shown above.
-2-
7. The reinsurance premiums described in paragraph 6., above, shall be
applied to the first $5,000,000 of reinsurance ceded to North American Re. Any
excess over $5,000,000 shall employ rate schedule NRN-5833 appended to Exhibit B
of the Reinsurance Agreement to which this Memorandum Addendum is attached.
Nonsmoker rates shall apply to both Preferred Nonsmokers and Standard Nonsmokers
and Smoker rates shall apply to both Preferred Smokers and Standard Smokers.
IN WITNESS WHEREOF, the Company and the North American Re have caused their
names to be subscribed and duly attested hereunder by their respective
Authorized Officers.
THE LIFE INSURANCE COMPANY OF VIRGINIA
By /s/ Illegible Illegible
---------------------, ---------
Authorized Officer Title
Attest:
By /s/ Illegible Director of Compliance
---------------------, ----------------------
Authorized Officer Title
Date:
NORTH AMERICAN REASSURANCE COMPANY
By /s/ Illegible President
---------------------, ---------
Authorized Officer Title
Attest:
By /s/ Illegible Vice - Pres.
---------------------, ------------
Authorized Officer Title
Date:
-3-
EXHIBIT A
COST OF INSURANCE RATES
CONTENDER PLUS
MALE PREFERRED NON-SMOKER PAGE 1 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .008 .140 .l20 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15
1 .008 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16
2 .008 .l20 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17
3 .008 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18
4 .008 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19
5 .008 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20
6 .008 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .146 21
7 .008 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .146 .155 22
8 .008 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .146 .146 .157 23
9 .008 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .146 .146 .146 .159 24
10 .008 .100 .100 .110 .110 .l20 .120 .130 .140 .140 .140 .146 .146 .146 .146 .161 25
11 .008 .100 .110 .110 .120 .120 .130 .140 .140 .140 .146 .146 .146 .146 .146 .163 26
12 .008 .110 .110 .120 .120 .130 .140 .140 .140 .146 .146 .146 .146 .146 .146 .166 27
13 .008 .110 .l20 .120 .130 .140 .140 .140 .146 .146 .146 .146 .146 .146 .146 .166 28
14 .008 .120 .120 .130 .140 .140 .140 .146 .146 .146 .146 .146 .146 .146 .146 .166 29
15 .008 .120 .130 .140 .140 .140 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 30
16 .008 .130 .140 .140 .140 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 31
17 .008 .140 .140 .140 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 32
18 .008 .140 .140 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 33
19 .008 .140 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 34
20 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 35
21 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 36
22 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 37
23 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 38
24 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 39
25 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 40
26 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 41
27 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 42
28 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 43
29 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 44
30 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 45
31 .008 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .179 46
32 .009 .156 .156 .156 .156 .156 .156 .156 .156 .156 .156 .156 .156 .156 .157 .194 47
33 .009 .159 .159 .159 .159 .159 .159 .159 .159 .159 .159 .159 .159 .160 .173 .211 48
34 .010 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .164 .177 .191 .231 49
35 .010 .166 .166 .166 .166 .166 .166 .166 .166 .166 .166 .168 .180 .194 .210 .253 50
36 .011 .173 .173 .173 .173 .173 .173 .173 .173 .173 .173 .183 .197 .214 .233 .276 51
37 .011 .181 .181 .181 .181 .181 .181 .181 .181 .181 .187 .200 .216 .235 .256 .301 52
38 .012 .190 .190 .190 .190 .190 .190 .190 .190 .191 .201 .216 .234 .257 .283 .330 53
39 .013 .201 .201 .201 .201 .201 .201 .201 .201 .205 .217 .233 .255 .281 .313 .363 54
40 .014 .213 .213 .213 .213 .213 .213 .213 .213 .220 .233 .252 .277 .309 .347 .404 55
41 .015 .215 .216 .225 .235 .235 .265 .265 .265 .236 .251 .273 .303 .342 .389 .458 56
42 .016 .217 .219 .228 .237 .244 .244 .244 .244 .253 .271 .298 .334 .380 .437 .519 57
43 .017 .219 .222 .231 .239 .246 .253 .253 .257 .271 .294 .326 .369 .424 .491 .583 58
44 .018 .220 .226 .234 .241 .247 .254 .265 .276 .294 .323 .362 .412 .474 .548 .654 59
45 .019 .221 .230 .237 .243 .248 .255 .266 .284 .309 .346 .393 .453 .526 .613 .730 60
46 .021 .237 .248 .256 .262 .269 .278 .291 .312 .342 .384 .438 .505 .586 .682 .804 61
47 .022 .250 .263 .273 .282 .291 .302 .318 .343 .378 .425 .487 .562 .653 .758 .887 62
48 .024 .264 .280 .293 .305 .316 .330 .350 .378 .417 .470 .538 .623 .724 .843 .984 63
49 .026 .279 .298 .315 .330 .345 .362 .385 .416 .460 .518 .594 .689 .803 .938 1.095 64
50 .028 .295 .319 .340 .359 .377 .397 .422 .457 .505 .569 .653 .759 .889 1.042 1.217 65
51 .031 .316 .343 .367 .388 .408 .430 .458 .497 .550 .622 .718 .839 .988 1.165 1.366 66
52 .033 .332 .363 .390 .414 .436 .461 .493 .535 .595 .677 .785 .923 1.094 1.299 1.527 67
53 .035 .348 .384 .414 .439 .464 .491 .525 .573 .640 .732 .855 1.012 1.207 1.442 1.715 68
54 .038 .365 .404 .437 .464 .490 .518 .554 .605 .679 .782 .921 1.102 1.329 1.606 1.911 69
55 .040 .384 .427 .461 .490 .517 .546 .586 .643 .726 .844 1.003 1.210 1.471 1.786 2.126 70
56 .043 .410 .457 .494 .525 .553 .585 .628 .692 .785 .916 1.095 1.327 1.619 1.972 2.357 71
57 .046 .439 .492 .534 .567 .596 .630 .677 .747 .851 .998 1.198 1.459 1.785 2.180 2.623 72
58 .050 .475 .534 .580 .615 .646 .682 .732 .809 .923 1.087 1.311 1.604 1.972 2.417 2.889 73
59 .053 .516 .582 .632 .671 .705 .745 .801 .888 1.018 1.202 1.453 1.776 2.179 2.663 3.186 74
60 .057 .562 .635 .692 .734 .771 .814 .874 .967 1.108 1.311 1.587 1.946 2.394 2.936 3.513 75
61 .062 .612 .694 .756 .803 .844 .890 .957 1.059 1.214 1.437 1.742 2.138 2.633 3.231 3.876 76
62 .067 .665 .755 .824 .876 .921 .972 1.044 1.156 1.326 1.570 1.905 2.343 2.891 3.554 4.278 77
63 .071 .725 .823 .897 .953 1.001 1.056 1.135 1.258 1.443 1.712 2.081 2.564 3.171 3.906 4.725 78
64 .077 .795 .898 .977 1.036 1.087 1.146 1.232 1.366 1.570 1.866 2.273 2.807 3.476 4.288 5.206 79
65 .082 .868 .979 1.062 1.125 1.181 1.245 1.340 1.488 1.713 2.040 2.488 3.075 3.812 4.705 5.711 80
66 .088 .936 1.054 1.144 1.215 1.278 1.352 1.460 1.626 1.878 2.242 2.741 3.395 4.216 5.213 6.307 81
67 .094 1.000 1.124 1.224 1.306 1.383 1.474 1.601 1.793 2.076 2.482 3.035 3.758 4.668 5.773 6.967 82
68 .101 1.061 1.191 1.304 1.403 1.502 1.618 1.773 1.995 2.315 2.765 3.375 4.170 5.171 6.388 7.686 83
69 .108 1.124 1.261 1.388 1.511 1.638 1.786 1.976 2.235 2.596 3.094 3.762 4.631 5.725 7.057 8.519 84
70 .115 1.187 1.331 1.478 1.629 1.792 1.978 2.209 2.511 2.916 3.465 4.194 5.141 6.333 7.787 9.453 85
71 .123 1.285 1.445 1.607 1.774 1.954 2.160 2.413 2.745 3.190 3.793 4.594 5.634 6.946 8.546 10.378 86
72 .132 1.393 1.570 1.749 1.934 2.132 2.359 2.638 3.001 3.491 4.152 5.033 6.177 7.620 9.383 11.398 87
73 .140 1.508 1.703 1.901 2.104 2.322 2.571 2.877 3.275 3.812 4.537 5.503 6.760 8.347 10.287 12.590 88
74 .148 1.610 1.822 2.036 2.255 2.488 2.750 3.070 3.488 4.054 4.827 5.871 7.245 8.997 11.157 13.666 89
75 .155 1.691 1.916 2.144 2.375 2.621 2.897 3.235 3.678 4.280 5.104 6.219 7.687 9.560 11.869 14.553 90
15.304 91
__.___ 92
CONTENDER PLUS
MALE NON-SMOKER PAGE 2 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .008 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15
1 .008 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16
2 .008 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17
3 .008 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18
4 .008 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19
5 .008 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20
6 .008 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .149 21
7 .008 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .149 .155 22
8 .008 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .149 .155 .157 23
9 .008 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .149 .155 .157 .159 24
10 .008 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .149 .155 .157 .159 .161 25
11 .008 .100 .110 .110 .120 .120 .130 .140 .140 .140 .149 .155 .157 .159 .160 .163 26
12 .008 .110 .110 .120 .120 .130 .140 .140 .140 .149 .155 .157 .159 .160 .160 .166 27
13 .008 .110 .120 .120 .130 .140 .140 .140 .149 .155 .157 .159 .160 .160 .160 .169 28
14 .008 .120 .120 .130 .140 .140 .140 .149 .155 .157 .159 .160 .160 .160 .160 .173 29
15 .008 .120 .130 .140 .140 .140 .149 .155 .157 .159 .160 .160 .160 .160 .160 .177 30
16 .008 .130 .140 .140 .140 .149 .155 .157 .159 .160 .160 .160 .160 .160 .160 .182 31
17 .008 .140 .140 .140 .149 .155 .157 .159 .160 .160 .160 .160 .160 .160 .160 .187 32
18 .008 .140 .140 .149 .155 .157 .159 .160 .160 .160 .160 .160 .160 .160 .160 .191 33
19 .008 .140 .149 .155 .157 .159 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 34
20 .008 .149 .155 .157 .159 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 35
21 .008 .155 .157 .159 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 36
22 .008 .157 .159 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 37
23 .008 .159 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 38
24 .008 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 39
25 .008 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 40
26 .008 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 41
27 .008 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 42
28 .008 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 43
29 .009 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 44
30 .009 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 45
31 .009 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .170 .209 46
32 .010 .172 .172 .172 .172 .172 .172 .172 .172 .172 .172 .172 .172 .174 .188 .228 47
33 .010 .176 .176 .176 .176 .176 .176 .176 .176 .176 .176 .176 .178 .192 .208 .249 48
34 .011 .180 .180 .180 .180 .180 .180 .180 .180 .180 .180 .185 .198 .213 .230 .274 49
35 .011 .184 .184 .184 .184 .184 .184 .184 .184 .184 .191 .203 .218 .235 .255 .302 50
36 .012 .192 .192 .192 .192 .192 .192 .192 .192 .198 .209 .223 .241 .260 .283 .331 51
37 .013 .202 .202 .202 .202 .202 .202 .203 .208 .216 .229 .245 .264 .287 .312 .362 52
38 .014 .213 .215 .216 .216 .216 .217 .220 .225 .235 .248 .266 .288 .315 .346 .398 53
39 .015 .227 .230 .231 .232 .233 .235 .238 .244 .254 .269 .289 .315 .346 .384 .439 54
40 .017 .241 .245 .248 .250 .251 .253 .257 .264 .275 .292 .315 .344 .381 .426 .491 55
41 .018 .245 .270 .273 .274 .274 .275 .278 .285 .297 .316 .343 .378 .423 .478 .558 56
42 .019 .249 .272 .285 .287 .289 .291 .296 .305 .321 .344 .376 .419 .473 .538 .635 57
43 .021 .253 .274 .287 .300 .305 .309 .316 .328 .347 .376 .415 .466 .529 .606 .715 58
44 .022 .257 .275 .289 .301 .310 .320 .338 .355 .380 .416 .433 .523 .594 .677 .804 59
45 .023 .260 .276 .290 .302 .314 .328 .346 .371 .405 .450 .507 .577 .661 .758 .899 60
46 .025 .279 .298 .314 .327 .341 .358 .379 .409 .449 .500 .565 .644 .737 .844 .992 61
47 .027 .296 .318 .336 .353 .370 .391 .416 .451 .497 .556 .630 .718 .821 .940 1.096 62
48 .029 .313 .340 .363 .384 .405 .429 .459 .498 .550 .616 .697 .796 .913 1.047 1.218 63
49 .032 .333 .364 .392 .418 .444 .472 .507 .551 .608 .680 .771 .882 1.013 1.165 1.357 64
50 .035 .354 .391 .425 .456 .487 .520 .558 .607 .669 .749 .850 .974 1.122 1.296 1.509 65
51 .038 .380 .422 .461 .496 .530 .567 .610 .663 .733 .822 .936 1.078 1.249 1.450 1.697 66
52 .040 .402 .450 .493 .533 .571 .612 .659 .719 .797 .898 1.028 1.189 1.386 1.618 1.899 67
53 .043 .424 .478 .527 .570 .612 .656 .708 .774 .861 .975 1.122 1.307 1.531 1.797 2.135 68
54 .046 .448 .508 .560 .606 .650 .696 .752 .823 .919 1.047 1.214 1.426 1.688 2.003 2.382 69
55 .049 .474 .539 .595 .644 .690 .739 .800 .880 .988 1.134 1.326 1.569 1.870 2.230 2.653 70
56 .053 .508 .579 .639 .692 .741 .794 .860 .948 1.090 1.234 1.449 1.722 2.060 2.463 2.943 71
57 .057 .547 .627 .693 .749 .801 .857 .929 1.026 1.162 1.346 1.588 1.895 2.273 2.726 3.278 72
58 .061 .595 .684 .756 .816 .871 .930 1.007 1.113 1.263 1.468 1.739 2.085 2.512 3.024 3.613 73
59 .066 .651 .749 .829 .894 .953 1.018 1.104 1.224 1.393 1.624 1.927 2.310 2.778 3.333 3.989 74
60 .071 .712 .822 .910 .981 1.045 1.115 1.207 1.336 1.520 1.772 2.107 2.532 3.055 3.678 4.401 75
61 .077 .780 .902 .999 1.077 1.147 1.223 1.323 1.465 1.667 1.946 2.315 2.785 3.362 4.049 4.861 76
62 .083 .852 .985 1.092 1.177 1.254 1.338 1.447 1.602 1.823 2.128 2.534 3.053 3.693 4.458 5.371 77
63 .089 .933 1.077 1.192 1.284 1.367 1.457 1.576 1.745 1.987 2.324 2.772 3.345 4.054 4.903 5.937 78
64 .095 1.028 1.180 1.302 1.399 1.487 1.584 1.712 1.898 2.164 2.535 3.030 3.664 4.448 5.387 6.549 79
65 .102 1.128 1.291 1.420 1.524 1.618 1.723 1.865 2.069 2.363 2.772 3.318 4.017 4.881 5.916 7.192 80
66 .109 1.223 1.396 1.535 1.650 1.756 1.876 2.036 2.266 2.595 3.051 3.659 4.439 5.404 6.561 7.952 81
67 .117 1.312 1.494 1.647 1.778 1.905 2.049 2.238 2.501 2.871 3.380 4.054 4.918 5.988 7.274 8.796 82
68 .125 1.398 1.589 1.759 1.917 2.075 2.254 2.481 2.787 3.205 3.770 4.514 5.464 6.641 8.056 9.718 83
69 .134 1.487 1.686 1.878 2.068 2.267 2.493 2.769 3.125 3.597 4.222 5.037 6.075 7.362 8.912 10.787 84
70 .144 1.575 1.785 2.005 2.236 2.485 2.767 3.100 3.514 4.044 4.733 5.622 6.751 8.153 9.847 11.991 85
71 .154 1.713 1.945 2.187 2.441 2.716 3.025 3.391 3.846 4.429 5.187 6.165 7.403 8.954 10.822 13.188 86
72 .165 1.863 2.120 2.387 2.668 2.970 3.310 3.712 4.211 4.852 5.684 6.761 8.132 9.837 11.900 14.514 87
73 .176 2.026 2.307 2.600 2.908 3.240 3.613 4.054 4.602 5.304 6.219 7.403 8.912 10.792 13.067 16.066 88
74 .185 2.169 2.474 2.791 3.123 3.477 3.871 4.333 4.907 5.649 6.625 7.906 9.561 11.646 14.195 17.476 89
75 .193 2.283 2.606 2.942 3.293 3.666 4.081 4.570 5.179 5.969 7.011 8.382 10.155 12.389 15.120 18.641 90
19.634 91
20.655 92
MALE SMOKER PAGE 3 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .008 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15
1 .008 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16
2 .008 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17
3 .008 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18
4 .008 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19
5 .008 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20
6 .008 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 21
7 .008 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 22
8 .008 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 23
9 .008 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 24
10 .008 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 25
11 .008 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 26
12 .008 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .166 27
13 .008 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .166 .169 28
14 .008 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .166 .169 .174 29
15 .008 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .166 .169 .174 .178 30
16 .008 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .166 .169 .174 .178 .183 31
17 .008 .140 .140 .140 .153 .155 .158 .159 .161 .164 .166 .169 .174 .178 .183 .188 32
18 .008 .140 .140 .153 .155 .158 .159 .161 .164 .166 .169 .174 .178 .183 .188 .192 33
19 .008 .140 .153 .155 .158 .159 .161 .164 .166 .169 .174 .178 .183 .188 .194 .194 34
20 .008 .153 .155 .158 .159 .161 .164 .166 .169 .174 .178 .183 .188 .194 .200 .203 35
21 .009 .155 .158 .159 .161 .164 .166 .169 .174 .178 .183 .188 .194 .200 .203 .205 36
22 .009 .158 .159 .161 .164 .166 .169 .174 .178 .183 .188 .194 .200 .203 .205 .211 37
23 .009 .159 .161 .164 .166 .169 .174 .178 .183 .188 .194 .200 .203 .205 .211 .214 38
24 .009 .161 .164 .166 .169 .174 .178 .183 .188 .194 .200 .203 .205 .211 .214 .220 39
25 .010 .164 .166 .169 .174 .178 .183 .188 .194 .200 .203 .205 .211 .214 .220 .228 40
26 .010 .166 .169 .174 .178 .183 .188 .194 .200 .203 .205 .211 .214 .220 .228 .248 41
27 .011 .169 .174 .178 .183 .188 .194 .200 .205 .205 .205 .211 .214 .220 .228 .269 42
28 .011 .174 .178 .183 .188 .194 .200 .209 .211 .211 .214 .220 .228 .238 .251 .295 43
29 .012 .178 .183 .188 .194 .200 .209 .220 .223 .226 .231 .238 .248 .260 .276 .323 44
30 .013 .183 .188 .194 .200 .209 .220 .230 .230 .230 .237 .250 .265 .284 .304 .357 45
31 .013 .188 .194 .200 .209 .220 .234 .244 .244 .250 .262 .277 .294 .314 .337 .391 46
32 .014 .194 .200 .209 .220 .234 .251 .259 .266 .277 .291 .309 .328 .350 .374 .432 47
33 .016 .200 .209 .220 .234 .251 .271 .282 .293 .307 .324 .343 .366 .391 .417 .476 48
34 .017 .209 .220 .234 .251 .271 .295 .310 .324 .341 .362 .385 .410 .436 .463 .529 49
35 .018 .220 .234 .251 .271 .295 .321 .339 .356 .376 .399 .425 .454 .484 .515 .587 50
36 .020 .234 .251 .271 .295 .321 .348 .375 .394 .417 .443 .472 .504 .537 .572 .645 51
37 .021 .251 .271 .295 .321 .348 .378 .411 .435 .459 .488 .520 .555 .593 .632 .701 52
38 .023 .271 .295 .321 .348 .378 .411 .447 .478 .504 .534 .568 .607 .649 .694 .769 53
39 .025 .295 .321 .348 .378 .411 .447 .487 .520 .546 .577 .614 .658 .708 .766 .846 54
40 .027 .321 .348 .378 .411 .447 .487 .532 .566 .593 .627 .667 .716 .775 .843 .937 55
41 .030 .348 .378 .411 .447 .487 .532 .581 .611 .641 .679 .726 .784 .854 .936 1.056 56
42 .032 .378 .411 .447 .487 .532 .581 .627 .655 .690 .735 .790 .859 .942 1.040 1.190 57
43 .035 .411 .447 .487 .532 .581 .636 .668 .702 .744 .797 .863 .944 1.041 1.154 1.324 58
44 .037 .447 .487 .532 .581 .636 .676 .711 .754 .807 .872 .951 1.044 1.151 1.272 1.463 59
45 .040 .465 .519 .566 .609 .649 .692 .739 .796 .863 .943 1.037 1.144 1.264 1.397 1.606 60
46 .043 .500 .559 .611 .659 .704 .751 .804 .867 .942 1.031 1.134 1.251 1.382 1.525 1.743 61
47 .046 .534 .601 .660 .714 .765 .818 .877 .946 1.028 1.125 1.238 1.366 1.509 1.668 1.895 62
48 .049 .570 .647 .715 .776 .834 .894 .959 1.033 1.122 1.226 1.348 1.489 1.648 1.824 2.070 63
49 .053 .609 .697 .775 .845 .912 .978 1.048 1.129 1.223 1.335 1.467 1.620 1.796 1.995 2.265 64
50 .057 .652 .750 .838 .918 .992 1.065 1.141 1.227 1.328 1.447 1.590 1.759 1.954 2.177 2.474 65
51 .060 .694 .804 .902 .989 1.069 1.147 1.229 1.321 1.430 1.562 1.721 1.911 2.134 2.390 2.729 66
52 .065 .733 .854 .960 1.054 1.140 1.223 1.311 1.411 1.531 1.677 1.856 2.070 2.322 2.614 2.996 67
53 .068 .771 .901 1.014 1.11_ 1.203 1.291 1.385 1.494 1.626 1.789 1.989 2.230 2.515 2.845 3.299 68
54 .072 .810 .947 1.066 1.169 1.261 1.352 1.450 1.565 1.708 1.888 2.112 2.387 2.716 3.103 3.604 69
55 .076 .850 .996 1.120 1.225 1.320 1.414 1.518 1.645 1.804 2.007 2.261 2.572 2.945 3.381 3.926 70
56 .080 .906 1.066 1.193 1.302 1.399 1.496 1.607 1.743 1.918 2.141 2.421 2.764 3.173 3.652 4.258 71
57 .085 .972 1.137 1.273 1.386 1.486 1.587 1.704 1.852 2.043 2.289 2.598 2.975 3.424 3.947 4.631 72
58 .090 1.048 1.226 1.371 1.489 1.592 1.696 1.818 1.974 2.180 2.447 2.786 3.201 3.697 4.275 4.982 73
59 .096 1.135 1.330 1.485 1.610 1.718 1.827 1.958 2.128 2.354 2.648 3.016 3.464 3.991 4.598 5.363 74
60 .102 1.233 1.444 1.611 1.743 1.855 1.968 2.103 2.280 2.518 2.830 3.225 3.709 4.282 4.945 5.804 75
61 .108 1.338 1.566 1.745 1.884 2.001 2.116 2.252 2.434 2.681 3.010 3.435 3.962 4.597 5.341 6.286 76
62 .115 1.445 1.688 1.878 2.025 2.148 2.269 2.414 2.607 2.872 3.228 3.688 4.261 4.952 5.763 6.805 77
63 .121 1.567 1.820 2.018 2.170 2.297 2.423 2.576 2.783 3.069 3.454 3.953 4.577 5.329 6.211 7.367 78
64 .129 1.705 1.966 2.167 2.322 2.450 2.580 2.742 2.963 3.273 3.691 4.234 4.911 5.727 6.682 7.953 79
65 .136 1.849 2.117 2.323 2.481 2.614 2.751 2.924 3.164 3.500 3.954 4.542 5.274 6.153 7.180 8.543 80
66 .145 1.980 2.254 2.468 2.636 2.781 2.833 3.127 3.395 3.766 4.265 4.909 5.708 6.668 7.789 9.233 81
67 .152 2.094 2.373 2.600 2.786 2.956 3.139 3.367 3.672 4.084 4.630 5.328 6.192 7.228 8.440 9.973 82
68 .161 2.196 2.478 2.723 2.942 3.152 3.380 3.655 4.007 4.466 5.059 5.808 6.730 7.835 9.1_0 10.754 83
69 .171 2.295 2.580 2.848 3.107 3.371 3.658 3.992 4.399 4.908 5.547 6.343 7.317 8.485 9.857 11.639 84
70 .181 2.387 2.677 2.976 3.286 3.615 3.972 4.374 4.841 5.403 6.087 6.926 7.948 9.174 10.619 12.603 85
71 .191 2.549 2.858 3.180 3.515 3.871 4.256 4.689 5.192 5.793 6.528 7.422 8.514 9.825 11.369 13.487 86
72 .201 2.719 3.051 3.397 3.760 4.144 4.560 5.026 5.566 6.211 6.994 7.952 9.118 10.517 12.166 14.514 87
73 .208 2.895 3.264 3.643 4.033 4.441 4.878 5.363 5.923 6.594 7.418 8.440 9.701 11.237 13.067 16.066 88
74 .215 3.046 3.442 3.844 4.249 4.654 5.066 5.505 6.005 6.622 7.428 8.506 9.947 11.827 14.195 17.476 89
75 .222 3.150 3.563 3.976 4.386 4.788 5.191 5.615 6.105 6.725 7.563 8.723 10.312 12.425 15.120 18.641 90
19.634 91
20.655 92
MALE PREFERRED SMOKER PAGE 4 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .008 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15
1 .008 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16
2 .008 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17
3 .008 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18
4 .008 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19
5 .008 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20
6 .008 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 21
7 .008 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 22
8 .008 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 23
9 .008 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 24
10 .008 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 25
11 .008 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 26
12 .008 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .166 27
13 .008 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .164 .169 28
14 .008 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .164 .164 .170 29
15 .008 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .164 .164 .164 .172 30
16 .008 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .172 31
17 .008 .140 .140 .140 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .172 32
18 .008 .140 .140 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .172 33
19 .008 .140 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .172 34
20 .008 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .172 35
21 .008 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .172 36
22 .008 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .172 37
23 .008 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .173 38
24 .009 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .184 39
25 .009 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .197 40
26 .009 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .177 .213 41
27 .009 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .166 .178 .194 .230 42
28 .010 .169 .169 .169 .169 .169 .169 .169 .169 .169 .169 .170 .181 .194 .211 .251 43
29 .010 .175 .175 .175 .175 .175 .175 .175 .175 .175 .175 .184 .196 .211 .232 .275 44
30 .011 .183 .183 .183 .183 .183 .183 .183 .183 .183 .183 .190 .208 .230 .255 .302 45
31 .012 .188 .193 .193 .193 .193 .193 .193 .193 .193 .194 .210 .230 .254 .281 .331 46
32 .012 .194 .200 .202 .202 .202 .202 .202 .202 .202 .215 .233 .256 .282 .312 .364 47
33 .013 .200 .209 .209 .209 .209 .209 .209 .210 .222 .238 .259 .284 .314 .347 .400 48
34 .014 .209 .216 .216 .216 .216 .216 .222 .232 .246 .265 .289 .317 .349 .385 .443 49
35 .015 .220 .224 .225 .226 .229 .233 .241 .253 .270 .291 .318 .350 .387 .427 .490 50
36 .016 .234 .238 .242 .245 .250 .256 .265 .279 .297 .322 .352 .388 .429 .474 .538 51
37 .018 .248 .255 .261 .266 .272 .280 .291 .306 .327 .354 .387 .427 .472 .523 .584 52
38 .019 .265 .276 .285 .292 .299 .308 .319 .335 .357 .386 .422 .466 .516 .574 .639 53
39 .021 .287 .299 .309 .318 .326 .335 .347 .363 .385 .416 .455 .504 .563 .632 .702 54
40 .023 .309 .324 .335 .345 .354 .364 .376 .393 .417 .450 .493 .548 .615 .695 .776 55
41 .025 .339 .355 .368 .378 .386 .395 .407 .424 .450 .486 .535 .598 .677 .771 .874 56
42 .026 .342 .375 .389 .400 .410 .420 .433 .453 .483 .525 .582 .655 .746 .856 .982 57
43 .028 .344 .377 .395 .422 .433 .445 .461 .484 .519 .568 .634 .719 .824 .949 1.092 58
44 .029 .346 .378 .401 .426 .443 .469 .490 .520 .563 .622 .699 .795 .910 1.045 1.205 59
45 .031 .348 .379 .406 .429 .450 .474 .505 .545 .600 .671 .761 .870 .999 1.148 1.322 60
46 .033 .373 .408 .438 .463 .487 .514 .548 .594 .654 .733 .832 .951 1.091 1.252 1.434 61
47 .035 .397 .437 .471 .500 .528 .558 .596 .646 .712 .799 .907 1.037 1.191 1.368 1.557 62
48 .038 .422 .468 .508 .542 .574 .608 .650 .704 .776 .869 .986 1.130 1.299 1.496 1.700 63
49 .041 .449 .502 .548 .588 .625 .663 .709 .767 .844 .944 1.071 1.228 1.416 1.635 1.859 64
50 .044 .478 .538 .590 .636 .678 .720 .770 .8_2 .914 1.022 1.160 1.332 1.539 1.783 2.029 65
51 .047 .509 .577 .635 .685 .730 .775 .827 .894 .983 1.101 1.254 1.446 1.680 1.957 2.236 66
52 .050 .536 .611 .674 .728 .776 .824 .880 .953 1.050 1.180 1.350 1.565 1.827 2.139 2.454 67
53 .052 .563 .643 .711 .767 .818 .869 .928 1.007 1.113 1.257 1.446 1.685 1.978 2.327 2.700 68
54 .055 .589 .675 .746 .804 .855 .907 .969 1.052 1.166 1.324 1.533 1.802 2.135 2.536 2.947 69
55 .058 .618 .709 .783 .842 .894 .947 1.013 1.103 1.230 1.405 1.639 1.940 2.314 2.762 3.208 70
56 .061 .656 .754 .832 .893 .946 1.000 1.070 1.167 1.305 1.498 1.755 2.084 2.492 2.982 3.477 71
57 .065 .701 .805 .886 .949 1.003 1.060 1.133 1.238 1.389 1.600 1.882 2.242 2.688 3.221 3.779 72
58 .069 .753 .865 .952 1.017 1.072 1.130 1.206 1.317 1.480 1.709 2.016 2.411 2.901 3.487 4.063 73
59 .074 .812 .935 1.028 1.097 1.155 1.216 1.298 1.419 1.598 1.849 2.183 2.608 3.130 3.749 4.371 74
60 .078 .879 1.012 1.112 1.186 1.245 1.307 1.392 1.518 1.707 1.973 2.332 2.791 3.356 4.030 4.727 75
61 .083 .950 1.095 1.202 1.279 1.340 1.403 1.487 1.617 1.813 2.095 2.480 2.979 3.601 4.350 5.116 76
62 .088 1.024 1.177 1.291 1.373 1.437 1.502 1.592 1.730 1.940 2.244 2.659 3.201 3.876 4.691 5.534 77
63 .093 1.106 1.266 1.385 1.469 1.534 1.602 1.696 1.843 2.070 2.398 2.849 3.486 4.169 5.052 5.986 78
64 .099 1.200 1.365 1.485 1.569 1.634 1.703 1.803 1.961 2.205 2.561 3.049 3.684 4.477 5.431 6.456 79
65 .105 1.297 1.466 1.589 1.674 1.741 1.814 1.920 2.091 2.356 2.741 3.269 3.954 4.807 5.833 6.929 80
66 .111 1.383 1.557 1.684 1.774 1.848 1.930 2.050 2.240 2.531 2.953 3.528 4.275 5.204 6.322 7.481 81
67 .117 1.458 1.635 1.769 1.872 1.961 2.061 2.203 2.420 2.742 3.202 3.826 4.633 5.637 6.845 8.073 82
68 .123 1.525 1.703 1.850 1.972 2.086 2.216 2.390 5.639 2.997 3.497 4.167 5.031 6.105 7.397 8.696 83
69 .130 1.590 1.770 1.930 2.079 2.227 2.395 2.607 2.895 3.291 3.830 4.545 5.463 6.604 7.980 9.399 84
70 .137 1.650 1.833 2.013 2.194 2.384 2.597 2.854 3.184 3.621 4.200 4.958 5.927 7.132 8.587 10.165 85
71 .144 1.757 1.953 2.147 2.342 2.548 2.779 3.056 3.411 3.878 4.498 5.308 6.343 7.631 9.186 10.865 86
72 .152 1.868 2.079 2.289 2.501 2.724 2.973 3.272 3.653 4.153 4.815 5.680 6.785 8.160 9.821 11.607 87
73 .160 1.984 2.218 2.447 2.677 2.917 3.183 3.501 3.905 4.437 5.141 6.061 7.238 8.703 10.474 12.590 88
74 .166 2.083 2.332 2.576 2.81_ 3.058 3.321 3.629 4.020 4.545 5.206 6.226 7.502 9.1_6 11.157 13.666 89
75 .171 2.151 2.412 2.662 2.904 3.142 3.393 3.685 4.061 4.582 5.318 6.347 7.744 9.572 11.869 14.553 90
15.304 91
16.078 92
17.110 93
FEMALE PREFERRED NON-SMOKER PAGE 5 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .008 .120 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15
1 .008 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16
2 .008 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17
3 .008 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18
4 .008 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19
5 .008 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20
6 .008 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .121 21
7 .008 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .121 .121 22
8 .___ .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .121 .121 .121 23
9 .008 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .121 .121 .121 .121 24
10 .008 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .121 .121 .121 .121 .121 25
11 .008 .090 .100 .100 .110 .110 .120 .120 .120 .120 .121 .121 .121 .121 .121 .121 26
12 .008 .100 .100 .110 .110 .120 .120 .120 .120 .121 .121 .121 .121 .121 .121 .121 27
13 .008 .100 .110 .110 .120 .120 .120 .120 .121 .121 .121 .121 .121 .121 .121 .121 28
14 .008 .110 .110 .120 .120 .120 .120 .121 .121 .121 .121 .121 .121 .121 .121 .121 29
15 .008 .110 .120 .120 .120 .120 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 30
16 .008 .120 .120 .120 .120 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 31
17 .008 .120 .120 .120 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 32
18 .008 .120 .120 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 33
19 .008 .120 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 34
20 .008 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 35
21 .008 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 36
22 .008 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 37
23 .008 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 38
24 .008 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 39
25 .008 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 40
26 .008 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 41
27 .008 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 42
28 .008 .124 .124 .124 .124 .124 .124 .124 .124 .124 .124 .124 .124 .124 .124 .124 43
29 .008 .127 .127 .127 .127 .127 .127 .127 .127 .127 .127 .127 .127 .127 .127 .131 44
30 .008 .130 .130 .130 .130 .130 .130 .130 .130 .130 .130 .130 .130 .130 .130 .139 45
31 .008 .135 .135 .135 .135 .135 .135 .135 .135 .135 .135 .135 .135 .135 .135 .149 46
32 .008 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .160 47
33 .008 .144 .144 .144 .144 .144 .144 .144 .144 .144 .144 .144 .144 .144 .144 .172 48
34 .008 .148 .148 .148 .148 .148 .148 .148 .148 .148 .148 .148 .148 .148 .152 .187 49
35 .008 .153 .153 .153 .153 .153 .153 .153 .153 .153 .153 .153 .153 .156 .167 .204 50
36 .009 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .168 .181 .218 51
37 .009 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .169 .181 .196 .232 52
38 .010 .170 .170 .170 .170 .170 .170 .170 .170 .170 .170 .170 .180 .194 .211 .250 53
39 .010 .178 .178 .178 .178 .178 .178 .178 .178 .178 .178 .178 .191 .208 .230 .270 54
40 .011 .186 .186 .186 .186 .186 .186 .186 .186 .186 .186 .188 .204 .224 .250 .294 55
41 .011 .188 .188 .188 .188 .188 .189 .190 .206 .206 .206 .206 .219 .243 .272 .322 56
42 .012 .190 .190 .190 .190 .190 .192 .193 .208 .214 .214 .215 .236 .263 .297 .353 57
43 .012 .192 .192 .192 .192 .192 .194 .196 .209 .221 .221 .232 .256 .287 .324 .384 58
44 .013 .194 .194 .194 .194 .194 .196 .199 .210 .223 .231 .252 .279 .312 .351 .415 59
45 .014 .196 .196 .196 .196 .196 .198 .202 .211 .224 .243 .268 .300 .337 .380 .447 60
46 .015 .201 .205 .207 .208 .209 .212 .217 .228 .243 .266 .294 .330 .372 .420 .490 61
47 .016 .209 .214 .217 .220 .222 .226 .234 .246 .265 .290 .323 .363 .410 .464 .538 62
48 .017 .218 .224 .229 .233 .237 .243 .252 .266 .287 .316 .352 .398 .451 .513 .594 63
49 .018 .227 .236 .243 .249 .254 .262 .272 .288 .311 .343 .384 .435 .496 .567 .657 64
50 .020 .237 .248 .257 .265 .272 .281 .293 .311 .336 .371 .417 .474 .544 .627 .728 65
51 .021 .252 .265 .276 .285 .294 .303 .317 .336 .363 .402 .453 .518 .597 .692 .804 66
52 .023 .263 .279 .291 .302 .312 .323 .338 .360 .391 .434 .492 .565 .655 .762 .886 67
53 .024 .274 .292 .306 .318 .330 .342 .359 .384 .418 .467 .531 .613 .714 .835 .972 68
54 .026 .286 .305 .321 .334 .346 .361 .379 .407 .446 .501 .573 .665 .777 .912 1.060 69
55 .027 .298 .319 .337 .351 .364 .379 .400 .431 .475 .536 .617 .720 .845 .995 1.153 70
56 .029 .317 .341 .360 .375 .389 .406 .429 .463 .512 .580 .670 .784 .923 1.087 1.263 71
57 .032 .338 .365 .386 .403 .418 .436 .461 .499 .554 .629 .729 .855 1.008 1.190 1.388 72
58 .034 .363 .394 .418 .436 .452 .471 .498 .539 .599 .682 .792 .932 1.103 1.305 1.531 73
59 .037 .391 .427 .453 .473 .490 .509 .537 .580 .643 .734 .856 1.013 1.207 1.440 1.691 74
60 .040 .422 .462 .492 .514 .533 .553 .583 .629 .699 .799 .935 1.110 1.328 1.590 1.867 75
61 .043 .457 .502 .535 .559 .578 .600 .633 .684 .762 .876 1.031 1.232 1.483 1.785 2.109 76
62 .047 .493 .543 .579 .605 .626 .650 .685 .742 .829 .958 1.135 1.366 1.655 2.003 2.382 77
63 .051 .534 .588 .627 .654 .676 .701 .740 .803 .902 1.048 1.249 1.513 1.844 2.244 2.669 78
64 .055 .581 .638 .679 .707 .730 .758 .802 .875 .990 1.157 1.386 1.683 2.051 2.494 2.985 79
65 .059 .630 .691 .734 .764 .789 .819 .868 .950 1.078 1.265 1.521 1.854 2.269 2.768 3.322 80
66 .063 .674 .739 .785 .819 .847 .883 .940 1.033 1.180 1.393 1.686 2.068 2.546 3.123 3.748 81
67 .068 .715 .783 .835 .874 .910 .955 1.024 1.134 1.301 1.544 1.876 2.311 2.856 3.517 4.225 82
68 .073 .754 .825 .883 .933 .981 1.040 1.125 1.254 1.446 1.721 2.096 2.587 3.204 3.954 4.752 83
69 .079 .794 .868 .934 .997 1.061 1.139 1.244 1.396 1.616 1.925 2.345 2.895 3.589 4.436 5.361 84
70 .084 .833 .911 .988 1.065 1.150 1.250 1.380 1.558 1.808 2.156 2.625 3.239 4.016 4.966 6.052 85
71 .091 .894 .981 1.066 1.151 1.243 1.351 1.493 1.691 1.971 2.363 2.896 3.598 4.489 5.581 6.834 86
72 .097 .961 1.058 1.151 1.244 1.343 1.460 1.615 1.834 2.148 2.590 3.197 3.998 5.018 6.272 7.716 87
73 .104 1.032 1.139 1.242 1.342 1.448 1.575 1.744 1.985 2.335 2.834 3.521 4.433 5.600 7.037 8.759 88
74 .110 1.094 1.211 1.322 1.427 1.537 1.666 1.839 2.092 2.467 3.012 3.779 4.812 6.150 7.814 9.775 89
75 .115 1.142 1.267 1.382 1.491 1.603 1.735 1.917 2.187 2.593 3.190 4.035 5.179 6.663 8.511 10.697 90
11.217 91
11.752 92
FEMALE NON-SMOKER PAGE 6 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .008 .120 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15
1 .008 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16
2 .008 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17
3 .008 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .l00 .110 .110 .120 .120 18
4 .008 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19
5 .008 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20
6 .008 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .131 21
7 .008 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .131 .131 22
8 .008 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .131 .131 .131 23
9 .008 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .131 .131 .131 .131 24
10 .008 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .131 .131 .131 .131 .131 25
11 .008 .090 .100 .100 .110 .110 .120 .120 .120 .120 .131 .131 .131 .131 .131 .131 26
12 .008 .100 .100 .110 .110 .120 .120 .120 .120 .131 .131 .131 .131 .131 .131 .131 27
13 .008 .100 .110 .110 .120 .120 .120 .120 .131 .131 .131 .131 .131 .131 .131 .131 28
14 .008 .110 .110 .120 .120 .120 .120 .131 .131 .131 .131 .131 .131 .131 .131 .131 29
15 .008 .110 .120 .120 .120 .120 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 30
16 .008 .120 .120 .120 .120 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 31
17 .008 .120 .120 .120 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .111 .131 32
18 .008 .120 .120 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 33
19 .008 .120 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 34
20 .008 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 35
21 .008 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 36
22 .008 .131 .131 .13l .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 37
23 .008 .131 .131 .131 .13l .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 38
24 .008 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 39
25 .008 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 40
26 .008 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 41
27 .008 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 42
28 .008 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .140 43
29 .008 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .149 44
30 .008 .141 .141 .141 .141 .141 .141 .141 .141 .141 .141 .141 .141 .141 .141 .160 45
31 .008 .147 .147 .147 .147 .147 .147 .147 .147 .147 .147 .147 .147 .147 .147 .172 46
32 .008 .153 .153 .153 .153 .153 .153 .153 .153 .153 .153 .153 .153 .153 .153 .186 47
33 .008 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .165 .201 48
34 .009 .162 .162 .162 .162 .162 .162 .162 .162 .162 .162 .162 .162 .170 .182 .219 49
35 .009 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .176 .187 .200 .240 50
36 .010 .173 .173 .173 .173 .173 .173 .173 .173 .173 .173 .179 .190 .203 .218 .258 51
37 .010 .180 .180 .180 .180 .180 .180 .180 .180 .180 .182 .192 .205 .219 .236 .276 52
38 .011 .188 .188 .188 .188 .188 .188 .188 .188 .188 .194 .205 .219 .236 .256 .298 53
39 .012 .198 .198 .198 .198 .198 .198 .198 .198 .198 .205 .218 .234 .254 .279 .323 54
40 .013 .207 .207 .207 .207 .207 .207 .207 .207 .209 .218 .232 .251 .275 .304 .353 55
41 .013 .209 .211 .212 .229 .229 .229 .229 .229 .229 .234 .249 .271 .298 .332 .388 56
42 .014 .211 .215 .217 .231 .239 .239 .239 .239 .239 .251 .269 .294 .325 .363 .428 57
43 .015 .213 .219 .222 .233 .240 .244 .249 .249 .256 .270 .292 .320 .355 .397 .466 58
44 .016 .215 .222 .227 .235 .241 .247 .257 .264 .276 .294 .319 .350 .388 .431 .505 59
45 .016 .217 .225 .232 .237 .242 .249 .258 .271 .289 .313 .343 .378 .420 .467 .545 60
46 .018 .231 .240 .247 .253 .259 .267 .278 .293 .315 .342 .377 .417 .464 .517 .599 61
47 .019 .241 .252 .261 .268 .276 .234 .300 .318 .343 .375 .414 .460 .513 .572 .659 62
48 .020 .251 .265 .276 .286 .297 .309 .324 .345 .373 .409 .453 .505 .565 .633 .729 63
49 .022 .263 .279 .294 .307 .319 .334 .352 .375 .406 .445 .494 .553 .622 .701 .808 64
50 .024 .275 .295 .312 .328 .343 .360 .380 .406 .439 .483 .537 .604 .683 .775 .896 65
51 .026 .294 .317 .337 .355 .373 .391 .413 .441 .478 .526 .586 .661 .751 .857 .992 66
52 .027 .308 .335 .358 .379 .399 .420 .445 .476 .517 .571 .639 .723 .825 .944 1.094 67
53 .029 .323 .353 .179 .402 .424 .448 .475 .510 .556 .616 .693 .787 .901 1.036 1.203 68
54 .031 .338 .371 .400 .425 .449 .474 .505 .544 .596 .663 .749 .855 .982 1.132 1.313 69
55 .034 .355 .391 .422 .449 .475 .502 .536 .580 .638 .713 .809 .928 1.070 1.236 1.429 70
56 .036 .3__ .419 .453 .482 .509 .539 .576 .625 .689 .774 .880 1.012 1.169 1.352 1.567 71
57 .039 .407 .452 .489 .520 .549 .581 .621 .674 .746 .839 .958 1.103 1.278 1.481 1.724 72
58 .042 .440 .490 .531 .565 .596 .630 .672 .730 .809 .912 1.043 1.205 1.398 1.624 1.904 73
59 .045 .477 .534 .579 .616 .648 .683 .727 .787 .871 .982 1.128 1.310 1.532 l.794 2.105 74
60 .049 .519 .582 .632 .672 .707 .745 .792 .857 .948 1.072 1.234 1.438 1.687 1.983 2.326 75
61 .053 .564 .635 .690 .733 .771 .810 .861 .934 1.036 1.177 1.363 1.598 1.886 2.228 2.631 76
62 .058 .612 .689 .750 .797 .837 .880 .935 1.015 1.130 1.289 1.501 1.772 2.105 2.502 2.974 77
63 .062 .667 .750 .815 .864 .907 .952 1.013 1.102 1.231 1.412 1.655 1.965 2.348 2.805 3.336 78
64 .067 .729 .818 .885 .937 .981 1.031 1.100 1.203 1.353 1.561 1.837 2.187 2.614 3.119 3.735 79
65 .072 .796 .890 .961 1.015 1.063 1.117 1.193 1.307 1.474 1.708 2.018 2.412 2.894 3.465 4.160 80
66 .078 .857 .956 1.033 1.092 1.146 1.208 1.296 1.426 1.617 1.884 2.239 2.692 3.249 3.913 4.699 81
67 .084 .914 1.018 1.102 1.170 1.236 1.312 1.417 1.569 1.788 2.091 2.495 3.011 3.648 4.409 5.302 82
68 .090 .969 1.077 1.170 1.253 1.336 1.433 1.560 1.739 1.990 2.334 2.789 3.372 4.094 4.961 5.971 83
69 .097 1.025 1.137 1.242 1.343 1.450 1.573 1.729 1.939 2.226 2.614 3.125 3.779 4.592 5.572 6.746 84
70 .104 1.080 1.197 1.316 1.440 1.575 1.731 1.922 2.168 2.495 2.931 3.501 4.232 5.142 6.244 7.627 85
71 .111 1.165 1.295 1.427 1.562 1.708 1.877 2.086 2.359 2.726 3.218 3.869 4.707 5.754 7.026 8.626 86
72 .119 1.258 1.402 1.546 1.693 1.851 2.033 2.262 2.564 2.975 3.533 4.274 5.234 6.440 7.907 9.755 87
73 .127 1.357 1.516 1.672 1.831 2.001 2.199 2.448 2.783 3.242 3.872 4.715 5.812 7.194 8.881 11.096 88
74 .134 1.___ 1.616 1.784 1.952 2.128 2.331 2.588 2.940 3.433 4.124 5.067 6.315 7.910 9.876 12.407 89
75 .141 1.511 1.694 1.870 2.043 2.224 2.433 2.704 3.079 3.615 4.373 5.416 6.802 8.578 10.771 13.604 90
14.277 91
14.974 92
FEMALE SMOKER PAGE 7 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .008 .120 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15
1 .008 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16
2 .008 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17
3 .008 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18
4 .008 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19
5 .008 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20
6 .008 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .153 21
7 .008 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .153 .155 22
8 .008 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .153 .155 .155 23
9 .008 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .153 .155 .158 .158 24
10 .008 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .153 .155 .158 .159 .159 25
11 .008 .090 .100 .100 .110 .110 .120 .120 .120 .120 .153 .155 .158 .159 .161 .161 26
12 .008 .100 .100 .110 .110 .120 .120 .120 .120 .153 .155 .158 .159 .161 .164 .164 27
13 .008 .100 .110 .110 .120 .120 .120 .120 .153 .155 .158 .159 .161 .164 .164 .164 28
14 .008 .110 .110 .120 .120 .120 .120 .153 .155 .158 .159 .161 .164 .164 .164 .164 29
15 .008 .110 .120 .120 .120 .120 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 30
16 .008 .120 .120 .120 .120 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 31
17 .008 .120 .120 .120 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 32
18 .008 .120 .120 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 33
19 .008 .120 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 34
20 .008 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 35
21 .008 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 36
22 .008 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 37
23 .008 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 38
24 .008 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .173 39
25 .008 .164 .165 .165 .165 .165 .165 .165 .165 .165 .165 .165 .165 .165 .165 .187 40
26 .009 .165 .165 .165 .165 .165 .165 .165 .165 .165 .165 .165 .165 .165 .165 .202 41
27 .009 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .172 .181 .217 42
28 .009 .173 .173 .173 .173 .173 .173 .173 .173 .173 .173 .174 .180 .188 .197 .237 43
29 .010 .178 .181 .181 .181 .181 .181 .181 .181 .181 .184 .188 .195 .204 .216 .258 44
30 .011 .183 .188 .192 .192 .192 .192 .192 .192 .192 .192 .196 .208 .222 .237 .283 45
31 .011 .188 .194 .200 .205 .205 .205 .205 .205 .205 .208 .219 .231 .246 .262 .308 46
32 .012 .194 .200 .209 .218 .218 .218 .218 .218 .223 .232 .244 .258 .273 .290 .338 47
33 .013 .200 .209 .220 .229 .229 .229 .232 .239 .247 .259 .272 .287 .304 .323 .370 48
34 .014 .209 .220 .234 .243 .246 .250 .257 .266 .277 .290 .306 .322 .340 .357 .409 49
35 .015 .220 .234 .251 .262 .268 .274 .283 .293 .306 .322 .339 .357 .377 .396 .452 50
36 .016 .234 .251 .271 .281 .289 .297 .307 .318 .333 .349 .368 .388 .410 .432 .488 51
37 .017 .251 .271 .293 .302 .311 .321 .332 .345 .360 .378 .398 .420 .444 .469 .521 52
38 .019 .271 .295 .316 .327 .337 .347 .358 .372 .387 .406 .427 .451 .477 .505 .561 53
39 .020 .295 .321 .338 .350 .361 .371 .383 .396 .411 .430 .452 .479 .511 .547 .605 54
40 .021 .321 .346 .361 .374 .385 .396 .407 .421 .436 .456 .481 .511 .548 .591 .657 55
41 .023 .348 .378 .396 .409 .420 .429 .440 .452 .468 .489 .516 .549 .590 .638 .718 56
42 .024 .352 .383 .419 .433 .444 .455 .467 .481 .499 .523 .553 .590 .636 .690 .783 57
43 .025 .356 .388 .422 .440 .467 .480 .493 .510 .531 .559 .593 .635 .686 .745 .843 58
44 .027 .360 .393 .425 .447 .473 .502 .520 .541 .569 .602 .642 .688 .740 .797 .899 59
45 .028 .364 .398 .428 .454 .478 .503 .531 .562 .598 .639 .686 .736 .791 .848 .953 60
46 .030 .386 .423 .455 .483 .510 .538 .568 .603 .644 .691 .742 .798 .858 .921 1.032 61
47 .031 .406 .447 .482 .514 .545 .575 .609 .647 .692 .742 .800 .862 .930 1.003 1.119 62
48 .034 .426 .473 .514 .551 .585 .619 .655 .697 .744 .799 .862 .931 1.008 1.092 1.219 63
49 .036 .448 .501 .548 .589 .628 .665 .705 .749 .800 .858 .926 1.004 1.091 1.188 1.330 64
50 .038 .472 .530 .582 .628 .671 .712 .754 .800 .854 .917 .991 1.078 1.177 1.290 1.450 65
51 .041 .499 .565 .623 .675 .721 .764 .809 .858 .915 .982 1.064 1.160 1.271 1.399 1.577 66
52 .043 .524 .596 .660 .715 .765 .811 .859 .912 .975 1.049 1.139 1.245 1.369 1.512 1.707 67
53 .046 .547 .625 .693 .751 .803 .853 .905 .963 1.031 1.113 1.213 1.330 1.468 1.625 1.839 68
54 .048 .570 .653 .724 .785 .839 .892 .947 1.010 1.086 1.177 1.287 1.417 1.567 1.739 1.966 69
55 .050 .595 .683 .757 .820 .876 .931 .990 1.058 1.141 1.242 1.363 1.506 1.671 1.859 2.094 70
56 .054 .634 .728 .806 .871 .929 .985 1.047 1.121 1.211 1.321 1.453 1.609 1.787 1.989 2.247 71
57 .057 .679 .778 .859 .926 .986 1.044 1.110 1.189 1.286 1.406 1.549 1.718 1.911 2.129 2.414 72
58 .061 .729 .836 .923 .993 1.054 1.115 1.182 1.265 1.369 1.497 1.652 1.835 2.044 2.280 2.604 73
59 .065 .787 .905 .998 1.072 1.135 1.194 1.260 1.342 1.448 1.582 1.749 1.950 2.187 2.459 2.808 74
60 .069 .852 .979 1.079 1.157 1.221 1.281 1.349 1.435 1.546 1.690 1.871 2.091 2.351 2.649 3.046 75
61 .074 .921 1.058 1.164 1.245 1.310 1.370 1.438 1.526 1.645 1.803 2.006 2.260 2.564 2.921 3.380 76
62 .079 .992 1.137 1.249 1.333 1.400 1.462 1.533 1.629 1.760 1.938 2.169 2.458 2.807 3.217 3.746 77
63 .084 1.071 1.223 1.339 1.424 1.491 1.554 1.630 1.734 1.881 2.082 2.344 2.673 3.070 3.535 4.118 78
64 .090 1.162 1.317 1.433 1.518 1.585 1.651 1.735 1.854 2.023 2.252 2.549 2.915 3.349 3.851 4.514 79
65 .096 1.253 1.415 1.532 1.617 1.685 1.754 1.844 1.975 2.161 2.416 2.744 3.150 3.631 4.188 4.920 80
66 .102 1.339 1.501 1.622 1.711 1.784 1.862 1.966 2.115 2.327 2.615 2.986 3.445 3.992 4.626 5.433 81
67 .108 1.412 1.575 1.701 1.801 1.888 1.984 2.108 2.282 2.523 2.846 3.261 3.774 4.386 5.098 5.991 82
68 .114 1.476 1.639 1.774 1.891 2.002 2.125 2.278 2.482 2.755 3.115 3.572 4.137 4.813 5.605 6.588 83
69 .121 1.538 1.700 1.848 1.988 2.129 2.286 2.475 2.714 3.022 3.418 3.918 4.534 5.275 6.146 7.262 84
70 .128 1.594 1.756 1.920 2.089 2.268 2.466 2.696 2.974 3.320 3.755 4.297 4.964 5.769 6.719 8.003 85
71 .135 1.693 1.837 2.042 2.223 2.414 2.625 2.873 3.176 3.557 4.038 4.644 5.392 6.299 7.371 8.815 86
72 .143 1.796 1.982 2.170 2.362 2.566 2.792 3.059 3.389 3.807 4.341 5.016 5.854 6.872 8.079 9.755 87
73 .151 1.902 2.110 2.314 2.518 2.730 2.965 3.242 3.588 4.035 4.617 5.368 6.315 7.481 8.881 11.096 88
74 .157 1.991 2.215 2.431 2.637 2.840 3.051 3.293 3.602 4.023 4.615 5.439 6.559 8.027 9.876 12.407 89
75 .161 2.051 2.284 2.503 2.707 2.900 3.098 3.327 3.630 4.064 4.700 5.619 6.896 8.600 10.771 13.604 90
14.277 91
__.___ 92
FEMALE PREFERRED SMOKER PAGE 8 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .008 .120 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15
1 .008 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16
2 .008 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17
3 .008 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18
4 .008 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19
5 .008 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20
6 .008 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .136 21
7 .008 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .136 .136 22
8 .008 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .136 .136 .136 23
9 .008 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .136 .136 .136 .136 24
10 .008 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .136 .136 .136 .136 .136 25
11 .008 .090 .100 .100 .110 .110 .120 .120 .120 .120 .136 .136 .136 .136 .136 .136 26
12 .008 .100 .100 .110 .110 .120 .120 .120 .120 .136 .136 .136 .136 .136 .136 .136 27
13 .008 .100 .110 .110 .120 .120 .120 .120 .136 .136 .136 .136 .136 .136 .136 .136 28
14 .008 .110 .110 .120 .120 .120 .120 .136 .136 .136 .136 .136 .136 .136 .136 .136 29
15 .008 .110 .120 .120 .120 .120 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 30
16 .008 .120 .120 .120 .120 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 31
17 .008 .120 .120 .120 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 32
18 .008 .120 .120 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 33
19 .008 .120 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 34
20 .008 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 35
21 .008 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 36
22 .008 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 37
23 .008 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .142 38
24 .008 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .152 39
25 .008 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .163 40
26 .008 .138 .138 .138 .138 .138 .138 .138 .138 .138 .138 .138 .138 .138 .141 .175 41
27 .008 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .142 .154 .188 42
28 .008 .144 .144 .144 .144 .144 .144 .144 .144 .144 .144 .144 .144 .154 .167 .204 43
29 .008 .150 .150 .150 .150 .150 .150 .150 .150 .150 .150 .150 .156 .168 .183 .222 44
30 .009 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .165 .181 .200 .242 45
31 .009 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .168 .182 .200 .220 .262 46
32 .010 .176 .176 .176 .176 .176 .176 .176 .176 .176 .176 .186 .202 .221 .243 .287 47
33 .011 .184 .184 .184 .184 .184 .184 .184 .184 .184 .192 .207 .225 .246 .270 .313 48
34 .011 .191 .191 .191 .191 .191 .191 .191 .192 .202 .215 .231 .251 .274 .298 .345 49
35 .012 .199 .199 .199 .199 .199 .200 .204 .211 .222 .237 .256 .278 .302 .330 .380 50
36 .013 .207 .209 .210 .211 .212 .215 .220 .228 .240 .256 .277 .301 .329 .359 .409 51
37 .014 .217 .220 .223 .225 .228 .231 .237 .246 .259 .277 .299 .325 .355 .389 .436 52
38 .015 .229 .235 .239 .242 .245 .249 .255 .264 .278 .296 .320 .348 .381 .419 .469 53
39 .016 .243 .250 .255 .259 .262 .266 .271 .280 .293 .312 .338 .369 .408 .453 .505 54
40 .017 .257 .265 .271 .275 .278 .282 .288 .297 .311 .331 .358 .393 .437 .489 .548 55
41 .018 .262 .291 .299 .302 .304 .306 .310 .319 .333 .354 .384 .422 .470 .528 .597 56
42 .019 .267 .293 .303 .318 .321 .324 .329 .338 .354 .378 .410 .453 .506 .570 .650 57
43 .020 .272 .295 .307 .321 .336 .340 .347 .358 .376 .403 .440 .487 .545 .615 .699 58
44 .021 .276 .297 .311 .324 .337 .346 .365 .380 .402 .434 .476 .527 .588 .658 .746 59
45 .021 .280 .299 .314 .327 .338 .352 .369 .391 .422 .460 .507 .563 .627 .699 .789 60
46 .023 .297 .317 .334 .348 .361 .376 .394 .420 .453 .496 .549 .610 .680 .759 .854 61
47 .024 .311 .334 .353 .369 .384 .400 .421 .449 .486 .533 .590 .658 .737 .826 .925 62
48 .026 .325 .352 .374 .393 .410 .429 .452 .482 .521 .572 .635 .710 .798 .898 1.006 63
49 .028 .341 .371 .397 .419 .439 .460 .485 .517 .559 .613 .682 .765 .863 .977 1.097 64
50 .029 .357 .392 .421 .445 .468 .490 .517 .550 .595 .653 .728 .820 .931 1.060 1.195 65
51 .031 .378 .417 .450 .477 .502 .526 .553 .589 .636 .699 .780 .882 1.005 1.149 1.299 66
52 .033 .396 .439 .475 .505 .531 .557 .587 .625 .677 .745 .835 .946 1.082 1.241 1.404 67
53 .035 .413 .459 .498 .529 .557 .584 .617 .658 .715 .790 .888 1.010 1.159 1.334 1.512 68
54 .037 .429 .479 .519 .552 .581 .610 .645 .690 .752 .835 .942 1.075 1.237 1.427 1.615 69
55 .039 .447 .500 .542 .576 .605 .636 .672 .722 .789 .880 .997 1.143 1.318 1.525 1.720 70
56 .041 .474 .531 .576 .611 .641 .672 .711 .764 .837 .935 1.062 1.220 1.409 1.630 1.844 71
57 .044 .506 .565 .612 .648 .679 .711 .752 .809 .888 .994 1.132 1.302 1.506 1.744 1.980 72
58 .047 .541 .606 .655 .693 .724 .757 .800 .859 .944 1.058 1.206 1.390 1.610 1.868 2.135 73
59 .050 .581 .653 .707 .746 .778 .809 .850 .910 .996 1.116 1.275 1.476 1.722 2.013 2.300 74
60 .053 .625 .703 .761 .803 .835 .867 .909 .970 1.062 1.191 1.363 1.582 1.850 2.168 2.494 75
61 .057 .674 .758 .819 .862 .894 .924 .965 1.029 1.125 1.266 1.458 1.707 2.017 2.389 2.765 76
62 .061 .722 .812 .877 .921 .953 .984 1.027 1.095 1.202 1.358 1.574 1.856 2.207 2.630 3.062 77
63 .065 .777 .871 .937 .981 1.013 1.044 1.089 1.163 1.282 1.457 1.700 2.017 2.413 2.888 3.364 78
64 .069 .840 .935 1.001 1.044 1.074 1.107 1.157 1.242 1.378 1.577 1.849 2.199 2.630 3.144 3.684 79
65 .073 .904 1.001 1.068 1.110 1.140 1.174 1.228 1.321 1.470 1.689 1.989 2.375 2.851 3.418 4.013 80
66 .078 .959 1.059 1.127 1.171 1.204 1.243 1.305 1.411 1.579 1.825 2.160 2.594 3.131 3.773 4.427 81
67 .083 1.007 1.107 1.179 1.229 1.271 1.320 1.396 1.519 1.709 1.984 2.357 2.840 3.438 4.155 4.878 82
68 .087 1.050 1.150 1.227 1.288 1.344 1.410 1.505 1.648 1.862 2.167 2.578 3.109 3.770 4.565 5.359 83
69 .093 1.091 1.190 1.275 1.351 1.426 1.514 1.631 1.799 2.040 2.375 2.824 3.405 4.128 5.002 5.901 84
70 .098 1.128 1.227 1.322 1.416 1.515 1.629 1.774 1.969 2.238 2.605 3.094 3.724 4.511 5.465 6.496 85
71 .104 1.193 1.300 1.403 1.503 1.603 1.730 1.885 2.098 2.392 2.798 3.340 4.042 4.922 5.989 7.147 86
72 .110 1.261 1.376 1.486 1.593 1.705 1.835 2.002 2.232 2.555 3.002 3.603 4.384 5.365 6.558 7.853 87
73 .116 1.331 1.460 1.580 1.694 1.811 1.948 2.125 2.372 2.723 3.213 3.876 4.741 5.832 7.161 8.759 88
74 .121 1.390 1.528 1.654 1.770 1.884 2.013 2.179 2.418 2.771 3.284 4.006 4.980 6.242 7.814 9.775 89
75 .125 1.429 1.574 1.702 1.815 1.920 2.035 2.188 2.424 2.774 3.319 4.112 5.213 6.670 8.511 10.697 90
11.217 91
_.___ 92
MALE PREFERRED SMOKER
PAGE 3 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
--- ----- ----- ----- ----- ----- ----- ----- ----- -----
0 .150 .140 .120 .120 .110 .110 .100 .100 .100
1 .140 .120 .120 .110 .110 .100 .100 .100 .100
2 .120 .120 .110 .110 .100 .100 .100 .100 .100
3 .120 .110 .110 .100 .100 .100 .100 .100 .100
4 .110 .110 .100 .100 .100 .100 .100 .100 .100
5 .110 .100 .100 .100 .100 .100 .100 .100 .110
6 .100 .100 .100 .100 .100 .100 .100 .110 .110
7 .100 .100 .100 .100 .100 .100 .110 .110 .120
8 .100 .100 .100 .100 .100 .110 .110 .120 .120
9 .100 .100 .100 .100 .110 .110 .120 .120 .130
10 .100 .100 .100 .110 .110 .120 .120 .130 .140
11 .100 .100 .110 .110 .120 .120 .130 .140 .140
12 .100 .110 .110 .120 .120 .130 .140 .140 .140
13 .110 .110 .120 .120 .130 .140 .140 .140 .118
14 .110 .120 .120 .130 .140 .140 .140 .118 .118
15 .120 .120 .130 .140 .140 .140 .118 .118 .118
16 .120 .130 .140 .140 .140 .118 .118 .118 .118
17 .130 .140 .140 .140 .069 .118 .118 .118 .118
18 .140 .140 .140 .069 .069 .118 .118 .118 .118
19 .140 .140 .069 .069 .069 .118 .118 .118 .118
20 .141 .069 .069 .069 .069 .118 .118 .118 .118
21 .069 .069 .069 .069 .069 .118 .118 .118 .118
22 .069 .069 .069 .069 .069 .118 .118 .118 .118
23 .069 .069 .069 .069 .069 .118 .118 .118 .118
24 .069 .069 .069 .069 .069 .120 .120 .120 .120
25 .069 .069 .069 .069 .069 .123 .123 .123 .123
26 .069 .069 .069 .069 .069 .131 .131 .131 .131
27 .069 .069 .069 .069 .069 .139 .139 .139 .139
28 .070 .070 .070 .070 .070 .148 .148 .148 .148
29 .073 .073 .073 .073 .073 .160 .160 .160 .160
30 .078 .078 .078 .078 .078 .173 .173 .173 .173
31 .085 .085 .085 .085 .085 .188 .188 .188 .188
32 .091 .091 .091 .091 .091 .205 .205 .205 .205
33 .097 .097 .097 .097 .097 .224 .224 .224 .224
34 .103 .103 .103 .103 .103 .243 .243 .243 .243
35 .110 .110 .110 .110 .110 .264 .264 .264 .264
36 .119 .119 .119 .119 .119 .285 .285 .285 .285
37 .128 .128 .128 .128 .128 .311 .311 .311 .311
38 .139 .139 .139 .139 .139 .339 .339 .339 .339
39 .149 .149 .149 .149 .149 .367 .367 .367 .367
40 .160 .160 .160 .160 .160 .394 .394 .394 .394
41 .178 .178 .178 .178 .178 .432 .432 .432 .432
42 .195 .195 .195 .195 .195 .472 .472 .472 .472
43 .213 .213 .213 .213 .213 .512 .512 .512 .512
44 .231 .231 .231 .231 .231 .552 .552 .552 .552
45 .251 .251 .251 .251 .251 .594 .594 .594 .594
46 .258 .258 .258 .258 .258 .643 .643 .643 .643
47 .281 .281 .281 .281 .281 .700 .700 .700 .700
48 .306 .306 .306 .306 .306 .767 .767 .767 .767
49 .334 .334 .334 .334 .334 .842 .842 .842 .842
50 .363 .363 .363 .363 .363 .919 .919 .919 .919
51 .394 .394 .394 .394 .394 .996 .996 .996 .996
52 .424 .424 .424 .424 .424 1.070 1.070 1.070 1.070
53 .454 .454 .454 .454 .454 1.138 1.138 1.138 1.138
54 .484 .484 .484 .484 .484 1.202 1.202 1.202 1.202
55 .515 .515 .515 .515 .515 1.266 1.266 1.266 1.266
56 .545 .545 .545 .545 .545 1.347 1.347 1.347 1.347
57 .584 .584 .584 .584 .584 1.428 1.428 1.428 1.428
58 .633 .633 .633 .633 .633 1.522 1.522 1.522 1.522
59 .690 .690 .690 .690 .690 1.628 1.628 1.628 1.628
60 .753 .753 .753 .753 .753 1.746 1.746 1.746 1.746
61 .821 .821 .821 .821 .821 1.870 1.870 1.870 1.870
62 .889 .889 .889 .889 .889 2.000 2.000 2.000 2.000
63 .961 .961 .961 .961 .961 2.127 2.127 2.127 2.127
64 1.037 1.037 1.037 1.037 1.037 2.254 2.254 2.254 2.254
65 1.114 1.114 1.114 1.114 1.114 2.394 2.394 2.394 2.394
66 1.191 1.191 1.191 1.191 1.191 2.570 2.570 2.570 2.570
67 1.263 1.263 1.263 1.263 1.263 2.783 2.783 2.783 2.783
68 1.331 1.331 1.331 1.331 1.331 3.044 3.044 3.044 3.044
69 1.400 1.400 1.400 1.400 1.400 3.353 3.353 3.353 3.353
70 1.467 1.467 1.467 1.467 1.467 3.702 3.702 3.702 3.702
71 1.574 1.574 1.574 1.574 1.574 3.970 3.970 3.970 3.970
72 1.689 1.689 1.689 1.689 1.689 4.255 4.255 4.255 4.255
73 1.810 1.810 1.810 1.810 1.810 4.550 4.550 4.550 4.550
74 1.909 1.909 1.909 1.909 1.909 4.788 4.788 4.788 4.788
75 1.976 1.976 1.976 1.976 1.976 4.949 4.949 4.949 4.949
[x] [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ------ ------ ------ ------ ------ --------
0 .100 .100 .100 .100 .110 .110 .120 15
1 .100 .100 .100 .110 .110 .120 .120 16
2 .100 .100 .110 .110 .120 .120 .130 17
3 .100 .110 .110 .120 .120 .130 .140 18
4 .110 .110 .120 .120 .130 .140 .140 19
5 .110 .120 .120 .130 .140 .140 .140 20
6 .120 .120 .130 .140 .140 .140 .129 21
7 .120 .130 .140 .140 .140 .120 .129 22
8 .130 .140 .140 .140 .120 .120 .129 23
9 .140 .140 .140 .120 .120 .120 .129 24
10 .140 .140 .120 .120 .120 .120 .129 25
11 .140 .118 .120 .120 .120 .120 .129 26
12 .118 .118 .120 .120 .120 .120 .129 27
13 .118 .118 .120 .120 .120 .120 .130 28
14 .118 .118 .120 .120 .120 .120 .131 29
15 .118 .118 .120 .120 .120 .120 .133 30
16 .118 .118 .120 .120 .120 .120 .133 31
17 .118 .118 .120 .120 .120 .120 .133 32
18 .118 .118 .120 .120 .120 .121 .133 33
19 .118 .118 .120 .120 .121 .130 .134 34
20 .118 .118 .120 .121 .130 .142 .142 35
21 .118 .118 .121 .130 .142 .154 .154 36
22 .118 .118 .121 .133 .147 .162 .162 37
23 .118 .118 .125 .139 .155 .172 .172 38
24 .120 .121 .131 .148 .167 .186 .186 39
25 .123 .127 .141 .160 .182 .203 .203 40
26 .131 .138 .155 .176 .201 .226 .226 41
27 .139 .150 .170 .194 .222 .251 .251 42
28 .148 .165 .187 .213 .244 .275 .275 43
29 .160 .182 .206 .235 .268 .302 .302 44
30 .173 .203 .228 .259 .294 .333 .334 45
31 .188 .224 .253 .286 .325 .367 .368 46
32 .205 .249 .280 .317 .360 .406 .408 47
33 .224 .275 .310 .352 .400 .452 .455 48
34 .243 .302 .343 .391 .445 .503 .510 49
35 .264 .333 .377 .432 .494 .560 .571 50
36 .285 .362 .413 .475 .547 .622 .632 51
37 .311 .397 .453 .523 .604 .688 .692 52
38 .339 .433 .496 .571 .660 .757 .758 53
39 .367 .471 .568 .620 .718 .830 .832 54
40 .394 .510 .581 .670 .779 .908 .920 55
41 .432 .560 .639 .737 .859 1.006 1.035 56
42 .472 .615 .704 .813 .949 1.115 1.162 57
43 .512 .673 .776 .899 1.050 1.234 1.298 58
44 .552 .736 .855 .994 1.162 1.365 1.439 59
45 .594 .804 .969 1.098 1.286 1.507 1.585 60
46 .643 .875 1.026 1.205 1.407 1.646 1.724 61
47 .700 .953 1.120 1.315 1.538 1.802 1.878 62
48 .767 1.068 1.216 1.430 1.680 1.973 2.056 63
49 .842 1.126 1.318 1.554 1.832 2.159 2.254 64
50 .919 1.218 1.426 1.685 1.994 2.357 2.466 65
51 .996 1.319 1.548 1.835 2.182 2.592 2.725 66
52 1.070 1.423 1.676 1.993 2.380 2.838 2.996 67
53 1.138 1.530 1.810 2.159 2.583 3.093 3.279 68
54 1.202 1.639 1.950 2.331 2.795 3.354 3.557 69
55 1.266 1.752 2.095 2.514 3.018 3.633 3.849 70
56 1.347 1.872 2.246 2.696 3.238 3.903 4.146 71
57 1.428 1.996 2.401 2.888 3.474 4.191 4.478 72
58 1.522 2.125 2.562 3.091 3.727 4.509 4.820 73
59 1.628 2.262 2.731 3.304 4.002 4.852 5.192 74
60 1.746 2.408 2.907 3.531 4.294 5.220 5.622 75
61 1.870 2.564 3.099 3.773 4.608 5.639 6.092 76
62 2.000 2.734 3.305 4.036 4.964 6.086 6.598 77
63 2.127 2.909 3.522 4.332 5.342 6.560 7.146 78
64 2.254 3.094 3.770 4.647 5.742 7.058 7.716 79
65 2.394 3.316 4.044 4.989 6.169 7.586 8.291 80
66 2.570 3.588 4.380 5.405 6.686 8.233 8.963 81
67 2.783 3.914 4.768 5.869 7.247 8.924 9.684 82
68 3.044 4.305 5.217 6.388 7.854 9.656 10.445 83
69 3.353 4.757 5.724 6.956 8.500 10.429 11.304 84
70 3.702 5.265 6.283 7.568 9.184 11.236 12.243 85
71 3.970 5.643 6.732 8.108 9.835 12.033 13.103 86
72 4.255 6.04_ 7.209 8.678 10.527 12.879 14.016 87
73 4.550 6.460 7.701 9.269 11.238 13.751 15.102 88
74 4.788 6.785 8.084 9.725 11.787 14.552 16.285 89
75 4.949 6.991 8.323 10.002 12.257 15.378 17.218 90
17.972 91
__.___ 92
MALE PREFERRED NON-SMOKER
PAGE 1 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
--- ----- ----- ----- ----- ----- ----- ----- ----- -----
0 .150 .140 .120 .120 .110 .110 .100 .100 .100
1 .140 .120 .120 .110 .110 .100 .100 .100 .100
2 .120 .120 .110 .110 .100 .100 .100 .100 .100
3 .120 .110 .110 .100 .100 .100 .100 .100 .100
4 .110 .110 .100 .100 .100 .100 .100 .100 .100
5 .110 .100 .100 .100 .100 .100 .100 .100 .110
6 .100 .100 .100 .100 .100 .100 .100 .110 .110
7 .100 .100 .100 .100 .100 .100 .110 .110 .120
8 .100 .100 .100 .100 .100 .110 .110 .120 .120
9 .100 .100 .100 .100 .110 .110 .120 .120 .130
10 .100 .100 .100 .110 .110 .120 .120 .130 .135
11 .100 .100 .110 .110 .120 .120 .130 .135 .135
12 .100 .110 .110 .120 .120 .130 .135 .135 .135
13 .110 .110 .120 .120 .130 .135 .135 .135 .092
14 .110 .120 .120 .130 .135 .135 .135 .092 .092
15 .120 .120 .130 .135 .135 .135 .092 .092 .092
16 .120 .130 .135 .135 .135 .092 .092 .092 .092
17 .130 .135 .135 .135 .050 .092 .092 .092 .092
18 .135 .135 .135 .050 .050 .092 .092 .092 .092
19 .135 .135 .050 .050 .050 .092 .092 .092 .092
20 .135 .050 .050 .050 .050 .092 .092 .092 .092
21 .050 .050 .050 .050 .050 .092 .092 .092 .092
22 .050 .050 .050 .050 .050 .092 .092 .092 .092
23 .050 .050 .050 .050 .050 .092 .092 .092 .092
24 .050 .050 .050 .050 .050 .092 .092 .092 .092
25 .050 .050 .050 .050 .050 .093 .093 .093 .093
26 .050 .050 .050 .050 .050 .098 .098 .098 .098
27 .050 .050 .050 .050 .050 .101 .101 .101 .101
28 .050 .050 .050 .050 .050 .106 .106 .106 .106
29 .050 .050 .050 .050 .050 .112 .112 .112 .112
30 .050 .050 .050 .050 .050 .118 .118 .118 .118
31 .052 .052 .052 .052 .052 .124 .124 .124 .124
32 .054 .054 .054 .054 .054 .132 .132 .132 .132
33 .056 .056 .056 .056 .056 .141 .141 .141 .141
34 .059 .059 .059 .059 .059 .150 .150 .150 .150
35 .062 .062 .062 .062 .062 .160 .160 .160 .160
36 .066 .066 .066 .066 .066 .167 .167 .167 .167
37 .070 .070 .070 .070 .070 .180 .180 .180 .180
38 .074 .074 .074 .074 .074 .193 .193 .193 .193
39 .078 .078 .078 .078 .078 .207 .207 .207 .207
40 .082 .082 .082 .082 .082 .220 .220 .220 .220
41 .090 .090 .090 .090 .090 .240 .240 .240 .240
42 .098 .098 .098 .098 .098 .262 .262 .262 .262
43 .106 .106 .106 .106 .106 .284 .284 .284 .284
44 .115 .115 .115 .115 .115 .306 .306 .306 .306
45 .125 .125 .125 .125 .125 .331 .331 .331 .331
46 .120 .120 .120 .120 .120 .361 .361 .361 .361
47 .131 .131 .131 .131 .131 .396 .396 .396 .396
48 .1__ .144 .144 .144 .144 .4_7 .4_7 .4_7 .4_7
49 .158 .158 .158 .158 .158 .483 .483 .483 .483
50 .174 .174 .174 .174 .174 .533 .533 .533 .533
51 .191 .191 .191 .191 .191 .585 .585 .585 .585
52 .209 .209 .209 .209 .209 .637 .637 .637 .637
53 .227 .227 .227 .227 .227 .688 .688 .688 .688
54 .246 .246 .246 .246 .246 .738 .738 .738 .738
55 .267 .267 .267 .267 .267 .791 .791 .791 .791
56 .284 .284 .284 .284 .284 .861 .861 .861 .861
57 .311 .311 .311 .311 .311 .929 .929 .929 .929
58 .344 .344 .344 .344 .344 1.007 1.007 1.007 1.007
59 .383 .383 .383 .383 .383 1.097 1.097 1.097 1.097
60 .427 .427 .427 .427 .427 1.196 1.196 1.196 1.196
61 .475 .475 .475 .475 .475 1.303 1.303 1.303 1.303
62 .525 .525 .525 .525 .525 1.419 1.419 1.419 1.419
63 .579 .579 .579 .579 .579 1.568 1.568 1.568 1.568
64 .638 .638 .638 .638 .638 1.663 1.663 1.663 1.663
65 .701 .701 .701 .701 .701 1.802 1.802 1.802 1.802
66 .766 .766 .766 .766 .766 1.976 1.976 1.976 1.976
67 .831 .831 .831 .831 .831 2.183 2.183 2.183 2.183
68 .898 .898 .898 .898 .898 2.432 2.432 2.432 2.432
69 .967 .967 .967 .967 .967 2.725 2.725 2.725 2.725
70 1.039 1.039 1.039 1.039 1.039 3.059 3.059 3.059 3.059
71 1.141 1.141 1.141 1.141 1.141 3.342 3.342 3.342 3.342
72 1.253 1.253 1.253 1.253 1.253 3.649 3.649 3.649 3.649
73 1.373 1.373 1.373 1.373 1.373 3.979 3.979 3.979 3.979
74 1.479 1.479 1.479 1.479 1.479 4.274 4.274 4.274 4.274
75 1.563 1.563 1.563 1.563 1.563 4.515 4.515 4.515 4.515
[x] [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ------ ------ ------ ------ ------ --------
0 .100 .100 .100 .100 .110 .110 .120 15
1 .100 .100 .100 .110 .110 .120 .120 16
2 .100 .100 .110 .110 .120 .120 .130 17
3 .100 .110 .110 .120 .120 .130 .135 18
4 .110 .110 .120 .120 .130 .135 .135 19
5 .110 .120 .120 .130 .135 .135 .135 20
6 .120 .120 .130 .135 .135 .135 .094 21
7 .120 .130 .135 .135 .135 .094 .094 22
8 .130 .135 .135 .135 .093 .094 .094 23
9 .135 .135 .135 .092 .093 .094 .094 24
10 .135 .135 .092 .092 .093 .094 .094 25
11 .135 .092 .092 .092 .093 .094 .094 26
12 .092 .092 .092 .092 .093 .094 .094 27
13 .092 .092 .092 .092 .093 .094 .094 28
14 .092 .092 .092 .092 .093 .094 .094 29
15 .092 .092 .092 .092 .093 .094 .094 30
16 .092 .092 .092 .092 .093 .094 .094 31
17 .092 .092 .092 .092 .093 .094 .094 32
18 .092 .092 .092 .092 .093 .094 .094 33
19 .092 .092 .092 .092 .093 .094 .094 34
20 .092 .092 .092 .092 .093 .094 .094 35
21 .092 .092 .092 .092 .093 .094 .094 36
22 .092 .092 .092 .092 .093 .094 .094 37
23 .092 .092 .092 .092 .093 .096 .096 38
24 .092 .092 .092 .092 .094 .101 .101 39
25 .093 .093 .093 .093 .101 .108 .108 40
26 .098 .098 .098 .100 .110 .119 .119 41
27 .101 .101 .101 .108 .119 .129 .129 42
28 .106 .106 .106 .116 .128 .140 .140 43
29 .112 .112 .115 .126 .138 .151 .151 44
30 .118 .118 .124 .136 .150 .164 .164 45
31 .124 .124 .135 .147 .162 .178 .178 46
32 .132 .135 .147 .161 .177 .196 .196 47
33 .141 .146 .160 .176 .196 .218 .218 48
34 .150 .158 .174 .195 .218 .242 .242 49
35 .160 .172 .191 .214 .241 .269 .269 50
36 .167 .185 .207 .234 .265 .297 .297 51
37 .180 .201 .226 .257 .293 .331 .331 52
38 .193 .218 .246 .280 .321 .368 .368 53
39 .207 .266 .267 .305 .353 .407 .407 54
40 .220 .254 .288 .332 .385 .450 .450 55
41 .240 .280 .319 .368 .429 .505 .514 56
42 .262 .310 .354 .409 .480 .568 .586 57
43 .284 .342 .394 .458 .538 .638 .665 58
44 .306 .377 .439 .514 .605 .716 .754 59
45 .331 .417 .489 .576 .679 .807 .848 60
46 .361 .460 .543 .641 .759 .900 .940 61
47 .396 .509 .601 .714 .846 1.003 1.044 62
48 .467 .561 .666 .792 .941 1.118 1.164 63
49 .483 .622 .736 .876 1.045 1.246 1.302 64
50 .533 .686 .811 .967 1.157 1.386 1.453 65
51 .585 .755 .895 1.0_2 1.290 1.552 1.639 66
52 .637 .829 .986 1.186 1.433 1.733 1.840 67
53 .688 .907 1.085 1.309 1.586 1.927 2.059 68
54 .768 .990 1.190 1.441 1.751 2.134 2.284 69
55 .791 1.077 1.304 1.585 1.931 2.362 2.528 70
56 .861 1.177 1.429 1.739 2.120 2.597 2.788 71
57 .929 1.281 1.560 1.903 2.326 2.854 3.086 72
58 1.007 1.393 1.702 2.083 2.553 3.145 3.406 73
59 1.097 1.515 1.854 2.278 2.807 3.467 3.764 74
60 1.196 1.648 2.019 2.493 3.086 3.825 4.157 75
61 1.303 1.795 2.203 2.728 3.395 4.211 4.595 76
62 1.419 1.958 2.406 2.991 3.727 4.634 5.080 77
63 1.568 2.133 2.628 3.272 4.089 5.096 5.619 78
64 1.663 2.324 2.865 3.578 4.483 5.597 6.201 79
65 1.802 2.537 3.132 3.918 4.917 6.143 6.813 80
66 1.976 2.799 3.462 4.333 5.443 6.814 7.536 81
67 2.183 3.113 3.845 4.804 6.029 7.555 8.338 82
68 2.432 3.493 4.295 5.342 6.681 8.367 9.213 83
69 2.725 3.9_7 4.81_ 5.948 7.399 9.254 10.228 84
70 3.059 4.448 5.399 6.620 8.186 10.222 11.370 85
71 3.342 4.874 5.917 7.259 8.985 11.231 12.505 86
72 3.649 5.339 6.485 7.963 9.8_5 12.346 13.759 87
73 3.979 5.840 7.098 8.722 10.814 13.554 15.102 88
74 4.274 6.283 7.640 9.393 11.659 14.606 16.285 89
75 4.515 6.639 8.074 9.929 12.312 15.436 17.218 90
17.972 91
18.740 92
18.870 93
MALE NON-SMOKER PAGE 2 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15
1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16
2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17
3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .135 18
4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .135 .135 19
5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .135 .135 .135 20
6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .135 .135 .135 .109 21
7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .135 .135 .135 .109 .109 22
8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .135 .135 .135 .106 .109 .109 23
9 .100 .100 .100 .100 .110 .110 .120 .120 .1_0 .1_5 .135 .135 .105 .106 .109 .109 24
10 .100 .100 .100 .110 .110 .120 .120 .130 .135 .135 .135 .105 .105 .106 .109 .109 25
11 .100 .100 .110 .110 .120 .120 .130 .135 .135 .135 .105 .105 .105 .106 .109 .109 26
12 .100 .110 .110 .120 .120 .1_0 .1_5 .1_5 .1_5 .105 .105 .105 .105 .106 .109 .109 27
13 .110 .110 .120 .120 .130 .135 .135 .135 .105 .105 .105 .105 .105 .106 .109 .109 28
14 .110 .120 .120 .130 .135 .135 .135 .105 .105 .105 .105 .105 .105 .106 .109 .109 29
15 .120 .120 .130 .135 .135 .135 .105 .105 .105 .105 .105 .105 .105 .106 .109 .109 30
16 .120 .130 .135 .135 .135 .105 .105 .105 .105 .105 .105 .105 .105 .106 .109 .109 31
17 .130 .135 .135 .035 .061 .105 .105 .105 .105 .105 .105 .105 .105 .106 .109 .109 32
18 .135 .135 .135 .061 .061 .105 .105 .105 .105 .105 .105 .105 .105 .106 .109 .109 33
19 .135 .135 .061 .061 .061 .105 .105 .105 .105 .105 .105 .105 .105 .106 .109 .109 34
20 .135 .061 .061 .061 .061 .105 .105 .105 .105 .105 .105 .105 .105 .106 .109 .109 35
21 .061 .061 .061 .061 .061 .105 .105 .105 .105 .105 .105 .105 .105 .106 .109 .109 36
22 .061 .061 .061 .061 .061 .105 .105 .105 .105 .105 .105 .105 .105 .106 .109 .109 37
23 .061 .061 .061 .061 .061 .105 .105 .105 .105 .105 .105 .105 .105 .106 .114 .114 38
24 .061 .061 .061 .061 .061 .105 .105 .105 .105 .105 .105 .105 .105 .113 .121 .121 39
25 .061 .061 .061 .061 .061 .106 .106 .106 .106 .106 .106 .106 .111 .121 .130 .130 40
26 .061 .061 .061 .061 .061 .112 .112 .112 .112 .112 .112 .112 .120 .132 .142 .142 41
27 .061 .061 .061 .061 .061 .116 .116 .116 .116 .116 .116 .119 .130 .143 .155 .155 42
28 .061 .061 .061 .061 .061 .122 .122 .122 .122 .122 .122 .128 .140 .155 .169 .169 43
29 .061 .061 .061 .061 .061 .129 .129 .129 .129 .129 .129 .139 .152 .168 .183 .183 44
30 .061 .061 .061 .061 .061 .138 .138 .138 .138 .138 .140 .152 .166 .182 .198 .198 45
31 .064 .064 .064 .064 .064 .146 .146 .146 .146 .146 .152 .165 .180 .198 .216 .216 46
32 .068 .068 .068 .068 .068 .157 .157 .157 .157 .157 .166 .181 .197 .217 .239 .239 47
33 .071 .071 .071 .071 .071 .168 .168 .168 .168 .168 .182 .197 .217 .241 .266 .266 48
34 .074 .074 .074 .074 .074 .180 .180 .180 .180 .180 .197 .216 .241 .268 .296 .296 49
35 .078 .078 .078 .078 .078 .192 .192 .192 .192 .192 .215 .238 .266 .297 .329 .329 50
36 .084 .084 .084 .084 .084 .20_ .20_ .20_ .20_ .20_ .234 .260 .292 .328 .365 .366 51
37 .089 .089 .089 .089 .089 .221 .221 .221 .221 .221 .257 .286 .322 .363 .407 .407 52
38 .095 .095 .095 .095 .095 .240 .240 .240 .240 .240 .281 .313 .353 .400 .453 .453 53
39 .102 .102 .102 .102 .102 .259 .259 .259 .259 .259 .306 .342 .386 .440 .501 .501 54
40 .108 .108 .108 .108 .108 .279 .279 .279 .279 .279 .332 .371 .422 .482 .554 .559 55
41 .119 .119 .119 .119 .119 .305 .305 .305 .305 .305 .367 .413 .468 .538 .623 .639 56
42 .130 .130 .130 .130 .130 .__4 .__4 .__4 .__4 .__4 .407 .459 .522 .602 .701 .7_0 57
43 .141 .141 .141 .141 .141 .363 .363 .363 .363 .363 .450 .511 .585 .676 .789 .829 58
44 .153 .153 .153 .153 .153 .393 .393 .393 .393 .393 .497 .570 .657 .761 .885 .940 59
45 .166 .166 .166 .166 .166 .426 .426 .426 .426 .426 .5_1 .6_6 .737 .854 .999 1.059 60
46 .165 .165 .165 .165 .165 .465 .465 .465 .465 .465 .609 .707 .821 .956 1.115 1.174 61
47 .181 .181 .181 .181 .181 .512 .512 .512 .512 .512 .674 .783 .916 1.067 1.243 1.304 62
48 .198 .198 .198 .198 .198 .567 .567 .567 .567 .567 .745 .869 1.017 1.188 1.387 1.455 63
49 .218 .218 .218 .218 .218 .629 .629 .629 .629 .629 .826 .962 1.126 1.319 1.546 1.628 64
50 .240 .240 .240 .240 .240 .696 .696 .696 .696 .696 .912 1.060 1.244 1.463 1.721 1.818 65
51 .264 .264 .264 .264 .264 .766 .766 .766 .766 .766 1.006 1.172 1.379 1.632 1.929 2.051 66
52 .288 .288 .288 .288 .288 .836 .836 .836 .836 .836 1.106 1.292 1.528 1.815 2.156 2.304 67
53 .314 .314 .314 .314 .314 .904 .904 .904 .904 .904 1.211 1.423 1.688 2.010 2.399 2.579 68
54 .340 .340 .340 .340 .340 .972 .972 .972 .972 .972 1.322 1.563 1.860 2.221 2.659 2.862 69
55 .369 .369 .369 .369 .369 1.043 1.043 1.043 1.043 1.043 1.441 1.714 2.047 2.451 2.945 3.171 70
56 .395 .395 .395 .395 .395 1.133 1.133 1.133 1.133 1.133 1.573 1.878 2.246 2.690 3.239 3.498 71
57 .433 .433 .433 .433 .433 1.22_ 1.22_ 1.22_ 1.22_ 1.22_ 1.71_ 2.052 2.460 2.954 3.562 3.874 72
58 .479 .479 .479 .479 .479 1.328 1.328 1.328 1.328 1.328 1.864 2.239 2.694 3.245 3.927 4.278 73
59 .533 .533 .533 .533 .533 1.447 1.447 1.447 1.447 1.447 2.028 2.441 2.948 3.570 4.331 4.731 74
60 .594 .594 .594 .594 .594 1.581 1.581 1.581 1.581 1.581 2.209 2.660 3.228 3.927 4.78_ 5.228 75
61 .660 .660 .660 .660 .660 1.727 1.727 1.727 1.727 1.727 2.407 2.905 3.536 4.324 5.270 5.784 76
62 .730 .730 .730 .730 .730 1.883 1.883 1.883 1.883 1.883 2.628 3.175 3.880 4.751 5.805 6.401 77
63 .805 .805 .805 .805 .805 2.045 2.045 2.045 2.045 2.045 2.866 3.471 4.248 5.218 6.390 7.086 78
64 .888 .888 .888 .888 .888 2.215 2.215 2.215 2.215 2.215 3.126 3.789 4.650 5.727 7.026 7.829 79
65 .976 .976 .976 .976 .976 2.405 2.405 2.405 2.405 2.405 3.416 4.146 5.097 6.287 7.721 8.611 80
66 1.066 1.066 1.066 1.066 1.066 2.640 2.640 2.640 2.640 2.640 3.772 4.586 5.643 6.967 8.575 9.537 81
67 1.157 1.157 1.157 1.157 1.157 2.920 2.920 2.920 2.920 2.920 4.201 5.100 6.264 7.727 9.519 10.567 82
68 1.250 1.250 1.250 1.250 1.250 3.259 3.259 3.259 3.259 3.259 4.719 5.703 6.974 8.575 10.558 11.695 83
69 1.347 1.347 1.347 1.347 1.347 3.661 3.661 3.661 3.661 3.661 5.329 6.402 7.777 9.511 11.697 13.007 84
70 1.447 1.447 1.447 1.447 1.447 4.123 4.123 4.123 4.123 4.123 6.033 7.194 8.670 10.540 12.945 14.440 85
71 1.590 1.590 1.590 1.590 1.590 4.511 4.511 4.511 4.511 4.511 6.619 7.896 9.523 11.590 14.252 15.656 86
72 1.746 1.746 1.746 1.746 1.746 4.9_6 4.9_6 4.9_6 4.9_6 4.9_6 7.262 8.669 10.463 12.748 15.656 16.960 87
73 1.914 1.914 1.914 1.914 1.914 5.393 5.393 5.393 5.393 5.393 7.954 9.503 11.480 14.004 16.960 18.374 88
74 2.062 2.062 2.062 2.062 2.062 5.801 5.801 5.801 5.801 5.801 8.571 10.244 12.384 15.123 18.374 19.932 89
75 2.181 2.181 2.181 2.181 2.181 6.1_2 6.1_2 6.1_2 6.1_2 6.1_2 9.06_ 10.8_5 13.105 15.992 19.745 21.687 90
23.193 91
24.217 92
MALE SMOKER PAGE 4 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ----------
0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15
1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16
2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17
3 .l20 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18
4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19
5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20
6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .160 21
7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .160 .160 22
8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .160 .160 .160 23
9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .160 .160 .160 .160 24
10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .160 .160 .160 .160 .160 25
11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .157 .160 .160 .160 .160 .160 26
12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .157 .157 .160 .160 .160 .160 .160 27
13 .110 .110 .120 .120 .130 .140 .140 .140 .l57 .157 .157 .160 .160 .160 .160 .160 28
14 .110 .120 .l20 .130 .140 .140 .140 .157 .157 .157 .157 .160 .160 .160 .160 .160 29
15 .120 .l20 .130 .140 .140 .140 .157 .157 .157 .157 .157 .160 .160 .160 .160 .160 30
16 .120 .130 .140 .140 .140 .157 .157 .157 .157 .157 .157 .160 .160 .160 .160 .160 31
17 .130 .140 .140 .140 .100 .157 .157 .157 .157 .157 .157 .160 .160 .160 .160 .160 32
18 .140 .140 .140 .100 .100 .157 .157 .157 .157 .157 .157 .160 .160 .160 .160 .160 33
19 .140 .140 .100 .100 .100 .157 .157 .157 .157 .157 .157 .160 .160 .160 .166 .166 34
20 .141 .100 .100 .100 .100 .157 .157 .157 .157 .157 .157 .160 .160 .166 .175 .175 35
21 .100 .100 .100 .100 100 .157 157 .157 .157 .157 .157 .160 .166 .175 .184 .184 36
22 .100 .100 .100 .100 .100 .157 .157 .157 .157 .157 .157 .160 .170 .181 .193 .193 37
23 .100 .100 .100 .100 .100 .158 .158 .158 .158 .158 .158 .165 .178 .192 .205 .205 38
24 .100 .100 .100 .100 .100 .160 .160 .160 .160 .160 .165 .173 .189 .207 .223 .223 39
25 .100 .100 .100 .100 .100 .165 .165 .165 .165 .165 .174 .187 .206 .226 .243 .243 40
26 .100 .100 .100 .100 .100 .175 .175 .175 .175 .175 .189 .206 .227 .250 .271 .271 41
27 .100 .100 .100 .100 .100 .186 .186 .186 .186 .186 .207 .227 .250 .277 .301 .301 42
28 .102 .102 .102 .102 .102 .200 .200 .200 .200 .200 .227 .249 .275 .305 .332 .332 43
29 .107 .107 .107 .107 .107 .217 .217 .217 .217 .217 .253 .276 .304 .335 .365 .365 44
30 .114 .114 .114 .114 .114 .237 .237 .237 .237 .237 .281 .307 .336 .369 .402 .405 45
31 .124 .124 .124 .124 .124 .252 .259 .259 .259 .259 .313 .341 .371 .407 .444 .447 46
32 .133 .133 .133 .133 .133 .271 .285 .285 .285 .285 .348 .379 .413 .452 .491 .496 47
33 .142 .142 .142 .142 .142 .293 .312 .312 .312 .312 .385 .419 .460 .503 .547 .553 48
34 .151 .151 .151 .151 .151 .319 .341 .341 .341 .341 .425 .465 .511 .561 .610 .621 49
35 .162 .162 .162 .162 .162 .349 .373 .373 .373 .373 .468 .512 .565 .623 .680 .696 50
36 .174 .174 .174 .174 .174 .385 .404 .404 .404 .404 .512 .562 .623 .691 .755 .771 51
37 .187 .187 .187 .187 .187 .421 .442 .442 .442 .442 .561 .617 .686 .762 .836 .844 52
38 .203 .203 .203 .203 .203 .463 .482 .482 .482 .482 .612 .675 .749 .834 .920 .925 53
39 .218 .218 .218 .218 .218 .509 .522 .522 .522 .522 .667 .733 .813 .908 1.009 1.015 54
40 .234 .234 .234 .234 .234 .557 .562 .562 .562 .562 .721 .792 .880 .985 1.104 1.123 55
41 .260 .260 .260 .260 .260 .612 .617 .617 .617 .617 .793 .872 .968 1.087 1.224 1.264 56
42 .286 .286 .286 .286 .286 .671 .675 .675 .675 .675 .872 .962 1.069 1.201 1.357 1.420 57
43 .313 .313 .313 .313 .313 .734 .734 .734 .734 .734 .955 1.061 1.183 1.329 1.503 1.587 58
44 .340 .340 .340 .340 .340 .792 .792 .792 .792 .792 1.046 1.168 1.309 1.472 1.664 1.760 59
45 .368 .368 .368 .368 .368 .854 .854 .854 .854 .854 1.1__ 1.286 1.447 1.6_0 1.837 1.939 60
46 .386 .386 .386 .386 .386 .926 .926 .926 .926 .926 1.245 1.405 1.588 1.784 2.008 2.109 61
47 .420 .420 .420 .420 .420 1.010 1.010 1.010 1.010 1.010 1.356 1.535 1.733 1.951 2.199 2.299 62
48 .458 .458 .458 .458 .458 1.108 1.108 1.108 1.108 1.108 1.477 1.667 1.886 2.132 2.408 2.517 63
49 .500 .500 .500 .500 .500 1.217 1.217 1.217 1.217 1.217 1.604 1.807 2.051 2.326 2.636 2.761 64
50 .544 .544 .544 .544 .544 1.332 1.332 1.332 1.332 1.332 1.736 1.957 2.225 2.532 2.879 3.022 65
51 .589 .589 .589 .589 .589 1.446 1.446 1.446 1.446 1.446 1.881 2.125 2.424 2.773 3.167 3.341 66
52 .635 .635 .635 .635 .635 1.555 1.555 1.555 1.555 1.555 2.032 2.302 2.635 3.026 3.470 3.675 67
53 .680 .680 .680 .680 .680 1.655 1.655 1.655 1.655 1.655 2.186 2.488 2.856 3.286 3.785 4.024 68
54 .725 .725 .725 .725 .725 1.749 1.749 1.749 1.749 1.749 2.342 2.682 3.086 3.558 4.106 4.368 69
55 .772 .772 .772 .772 .772 1.844 1.844 1.844 1.844 1.844 2.505 2.884 3.330 3.844 4.450 4.728 70
56 .818 .818 .818 .818 .818 1.957 1.957 1.957 1.957 1.957 2.676 3.092 3.571 4.125 4.781 5.095 71
57 .878 .878 .878 .878 .878 2.075 2.075 2.075 2.075 2.075 2.855 3.305 3.826 4.427 5.137 5.506 72
58 .951 .951 .951 .951 .951 2.212 2.212 2.212 2.212 2.212 3.041 3.529 4.097 4.752 5.529 5.931 73
59 1.037 1.037 1.037 1.037 1.037 2.369 2.369 2.369 2.369 2.369 3.238 3.763 4.381 5.106 5.952 6.391 74
60 1.133 1.133 1.133 1.133 1.133 2.541 2.541 2.541 2.541 2.541 3.449 4.009 4.685 5.481 6.40_ 6.926 75
61 1.235 1.235 1.235 1.235 1.235 2.725 2.725 2.725 2.725 2.725 3.674 4.275 5.010 5.886 6.927 7.510 76
62 1.338 1.338 1.338 1.338 1.338 2.917 2.917 2.917 2.917 2.917 3.920 4.562 5.362 6.346 7.482 8.141 77
63 1.446 1.446 1.446 1.446 1.446 3.105 3.105 3.105 3.105 3.105 4.174 4.866 5.760 6.835 8.071 8.824 78
64 1.561 1.561 1.561 1.561 1.561 3.294 3.294 3.294 3.294 3.294 4.442 5.212 6.184 7.352 8.691 9.538 79
65 1.678 1.678 1.678 1.678 1.678 3.502 3.502 3.502 3.502 3.502 4.765 5.596 6.645 7.906 9.349 10.258 80
66 1.793 1.793 1.793 1.793 1.793 3.760 3.760 3.760 3.760 3.760 5.160 6.066 7.206 8.577 10.157 11.101 81
67 1.902 1.902 1.902 1.902 1.902 4.075 4.075 4.075 4.075 4.075 5.635 6.610 7.833 9.307 11.021 12.008 82
68 2.006 2.006 2.006 2.006 2.006 4.464 4.464 4.464 4.464 4.464 6.207 7.242 8.535 10.098 11.940 12.966 83
69 2.110 2.110 2.110 2.110 2.110 4.926 4.926 4.926 4.926 4.926 6.869 7.959 9.307 10.943 12.910 14.055 84
70 2.212 2.212 2.212 2.212 2.212 5.452 5.452 5.452 5.452 5.452 7.617 8.749 10.142 11.839 13.929 15.245 85
71 2.374 2.374 2.374 2.374 2.374 5.854 5.854 5.854 5.854 5.854 8.175 9.387 10.878 12.694 14.936 16.339 86
72 2.548 2.548 2.548 2.548 2.548 6.282 6.282 6.282 6.282 6.282 8.767 10.065 11.659 13.606 16.007 17.614 87
73 2.733 2.733 2.733 2.733 2.733 6.727 6.727 6.727 6.727 6.727 9.383 10.766 12.470 14.547 17.222 19.379 88
74 2.882 2.882 2.882 2.882 2.882 7.084 7.084 7.084 7.084 7.084 9.864 11.312 13.096 15.273 18.598 20.946 89
75 2.985 2.985 2.985 2.985 2.985 7.322 7.322 7.322 7.322 7.322 10.169 11.653 13.478 15.934 19.684 22.186 90
23.193 91
24.217 92
__.___ 93
FEMALE PREFERRED NON-SMOKER PAGE 5 OF 8
[x] [X]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15
1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16
2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17
3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18
4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19
5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20
6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .079 21
7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .079 .079 22
8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .079 .079 .079 23
9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .079 .079 .079 .079 24
10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .079 .079 .079 .079 .079 25
11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .079 .079 .079 .079 .079 .079 26
12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .079 .079 .079 .079 .079 .079 .079 27
13 .100 .100 .110 .110 .120 .120 .120 .120 .079 .079 .079 .079 .079 .079 .079 .079 28
14 .100 .110 .110 .120 .120 .120 .120 .079 .079 .079 .079 .079 .079 .079 .079 .079 29
15 .110 .110 .120 .120 .120 .120 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 30
16 .110 .120 .120 .120 .120 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 31
17 .120 .120 .120 .120 .038 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 32
18 .120 .120 .120 .038 .038 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 33
19 .120 .120 .038 .038 .038 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 34
20 .121 .038 .038 .038 .038 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 35
21 .038 .038 .038 .038 .038 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 36
22 .038 .038 .038 .038 .038 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 37
23 .038 .038 .038 .038 .038 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 38
24 .038 .038 .038 .038 .038 .079 .079 .079 .079 .079 .079 .079 .079 .079 .083 .083 39
25 .038 .038 .038 .038 .038 .080 .080 .080 .080 .080 .080 .080 .080 .083 .090 .090 40
26 .038 .038 .038 .038 .038 .086 .086 .086 .086 .086 .086 .086 .086 .091 .099 .099 41
27 .038 .038 .038 .038 .038 .089 .089 .089 .089 .089 .089 .089 .090 .099 .107 .107 42
28 .038 .038 .038 .038 .038 .094 .094 .094 .094 .094 .094 .094 .098 .107 .116 .116 43
29 .038 .038 .038 .038 .038 .100 .100 .100 .100 .100 .100 .100 .106 .115 .125 .125 44
30 .040 .040 .040 .040 .040 .106 .106 .106 .106 .106 .106 .106 .115 .125 .135 .135 45
31 .044 .044 .044 .044 .044 .112 .112 .112 .112 .112 .112 .115 .124 .135 .147 .147 46
32 .046 .046 .046 .046 .046 .119 .119 .119 .119 .119 .119 .126 .136 .148 .161 .161 47
33 .049 .049 .049 .049 .049 .127 .127 .127 .127 .127 .127 .137 .149 .163 .178 .178 48
34 .050 .050 .050 .050 .050 .136 .136 .136 .136 .136 .137 .149 .164 .180 .197 .197 49
35 .054 .054 .054 .054 .054 .145 .145 .145 .145 .145 .149 .163 .180 .199 .218 .218 50
36 .058 .058 .058 .058 .058 .149 .149 .149 .149 .149 .158 .173 .193 .214 .236 .236 51
37 .060 .060 .060 .060 .060 .159 .159 .159 .159 .159 .169 .187 .208 .233 .259 .259 52
38 .063 .063 .063 .063 .063 .169 .169 .169 .169 .169 .180 .200 .223 .251 .282 .282 53
39 .065 .065 .065 .065 .065 .178 .178 .178 .178 .178 .191 .212 .239 .271 .307 .307 54
40 .067 .067 .067 .067 .067 .186 .186 .186 .186 .186 .202 .225 .254 .291 .333 .333 55
41 .073 .073 .073 .073 .073 .200 .200 .200 .200 .200 .218 .244 .276 .316 .364 .364 56
42 .078 .078 .078 .078 .078 .215 .215 .215 .215 .215 .237 .265 .300 .344 .398 .398 57
43 .083 .083 .083 .083 .083 .229 .229 .229 .229 .229 .257 .289 .328 .376 .435 .435 58
44 .088 .088 .088 .088 .088 .244 .244 .244 .244 .244 .278 .315 .359 .411 .474 .475 59
45 .094 .094 .094 .094 .094 .260 .260 .260 .260 .260 .301 .343 .392 .449 .517 .517 60
46 .084 .084 .084 .084 .084 .279 .279 .279 .279 .279 .328 .376 .433 .498 .574 .574 61
47 .090 .090 .090 .090 .090 .301 .301 .301 .301 .301 .357 .412 .477 .551 .636 .636 62
48 .097 .097 .097 .097 .097 .327 .327 .327 .327 .327 .388 .450 .523 .607 .705 .705 63
49 .105 .105 .105 .105 .105 .355 .355 .355 .355 .355 .422 .490 .572 .668 .781 .787 64
50 .113 .113 .113 .113 .113 .384 .384 .384 .384 .384 .458 .531 .623 .733 .864 .878 65
51 .124 .124 .124 .124 .124 .420 .420 .420 .420 .420 .502 .583 .685 .809 .957 .977 66
52 .135 .135 .135 .135 .135 .456 .456 .456 .456 .456 .548 .638 .751 .890 1.056 1.082 67
53 .147 .147 .147 .147 .147 .491 .491 .491 .491 .491 .597 .697 .823 .976 1.160 1.194 68
54 .160 .160 .160 .160 .160 .525 .525 .525 .525 .525 .643 .761 .899 1.066 1.269 1.308 69
55 .174 .174 .174 .174 .174 .560 .560 .560 .560 .560 .703 .828 .981 1.164 1.388 1.427 70
56 .183 .183 .183 .183 .183 .613 .613 .613 .613 .613 .770 .909 1.077 1.279 1.525 1.570 71
57 .200 .200 .200 .200 .200 .661 .661 .661 .661 .661 .837 .991 1.177 1.400 1.672 1.731 72
58 .22_ .22_ .22_ .22_ .22_ .715 .715 .715 .715 .715 .909 1.080 1.285 1.533 1.835 1.903 73
59 .246 .246 .246 .246 .246 .776 .776 .776 .776 .776 .987 1.174 1.402 1.678 2.014 2.092 74
60 .274 .274 .274 .274 .274 .844 .844 .844 .844 .844 1.071 1.275 1.528 1.8_6 2.210 2.299 75
61 .305 .305 .305 .305 .305 .917 .917 .917 .917 .917 1.167 1.395 1.683 2.038 2.463 2.586 76
62 .337 .337 .337 .337 .337 .994 .994 .994 .994 .994 1.272 1.527 1.854 2.257 2.745 2.906 77
63 .372 .372 .372 .372 .372 1.073 1.073 1.073 1.073 1.073 1.385 1.671 2.03_ 2.498 3.053 3.266 78
64 .410 .410 .410 .410 .410 1.156 1.156 1.156 1.156 1.156 1.506 1.825 2.241 2.761 3.392 3.661 79
65 .450 .450 .450 .450 .450 1.246 1.246 1.246 1.246 1.246 1.641 1.999 2.466 3.053 3.764 4.083 80
66 .491 .491 .491 .491 .491 1.662 1.362 1.362 1.362 1.362 1.812 2.219 2.752 3.426 4.249 4.617 81
67 .533 .533 .533 .533 .533 1.497 1.497 1.497 1.497 1.497 2.015 2.476 3.078 3.842 4.787 5.216 82
68 .574 .574 .574 .574 .574 1.657 1.657 1.657 1.657 1.657 2.258 2.775 3.450 4.308 5.384 5.879 83
69 .617 .617 .617 .617 .617 1.844 1.844 1.844 1.844 1.844 2.542 3.120 3.867 4.824 6.043 6.647 84
70 .66_ .66_ .66_ .66_ .66_ 2.055 2.055 2.055 2.055 2.055 2.867 3.509 4.333 5.394 6.767 7.519 85
71 .724 .724 .724 .724 .724 2.232 2.232 2.232 2.232 2.232 3.145 3.873 4.815 6.028 7.609 8.510 86
72 .792 .792 .792 .792 .792 2.423 2.423 2.423 2.423 2.423 3.449 4.276 5.348 6.737 8.556 9.630 87
73 .864 .864 .864 .864 .864 2.625 2.625 2.625 2.625 2.625 3.776 4.713 5.932 7.517 9.604 10.871 88
74 .928 .928 .928 .928 .928 2.805 2.805 2.805 2.805 2.805 4.069 5.112 6.473 8.251 10.594 12.058 89
75 .977 .977 .977 .977 .977 2.951 2.951 2.951 2.951 2.951 4.309 5.446 6.935 8.880 11.462 13.112 90
13.649 91
14.194 92
__.___ 93
FEMALE NON-SMOKER PAGE 6 OF 8
[x] [X]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ --------
0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15
1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16
2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17
3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18
4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19
5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20
6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .089 21
7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .089 .089 22
8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .089 .089 .089 23
9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .089 .089 .089 .089 24
10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .089 .089 .089 .089 .089 25
11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .089 .089 .089 .089 .089 .089 26
12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .089 .089 .089 .089 .089 .089 .089 27
13 .100 .100 .110 .110 .120 .120 .120 .120 .089 .089 .089 .089 .089 .089 .089 .089 28
14 .100 .110 .110 .120 .120 .120 .120 .089 .089 .089 .089 .089 .089 .089 .089 .089 29
15 .110 .110 .120 .120 .120 .120 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 30
16 .110 .120 .120 .120 .120 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 31
17 .120 .120 .120 .120 .046 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 32
18 .120 .120 .120 .046 .046 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 33
19 .120 .120 .046 .046 .046 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 34
20 .121 .046 .046 .046 .046 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 35
21 .046 .046 .046 .046 .046 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 36
22 .046 .046 .046 .046 .046 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 37
23 .046 .046 .046 .046 .046 .089 .089 .089 .089 .089 .089 .089 .089 .089 .092 .092 38
24 .046 .046 .046 .046 .046 .089 .089 .089 .089 .089 .089 .089 .089 .091 .098 .098 39
25 .046 .046 .046 .046 .046 .091 .091 .091 .091 .091 .091 .091 .091 .099 .106 .106 40
26 .046 .046 .046 .046 .046 .096 .096 .096 .096 .096 .096 .096 .099 .108 .117 .117 41
27 .046 .046 .046 .046 .046 .101 .101 .101 .101 .101 .101 .101 .108 .118 .128 .128 42
28 .046 .046 .046 .046 .046 .107 .107 .107 .107 .107 .107 .107 .117 .128 .138 .138 43
29 .047 .047 .047 .047 .047 .114 .114 .114 .114 .114 .114 .117 .127 .139 .150 .150 44
30 .050 .050 .050 .050 .050 .123 .123 .123 .123 .123 .123 .129 .139 .151 .163 .163 45
31 .054 .054 .054 .054 .054 .130 .130 .130 .130 .130 .131 .140 .151 .164 .177 .177 46
32 .058 .058 .058 .058 .058 .140 .140 .140 .140 .140 .143 .154 .166 .180 .195 .195 47
33 .061 .061 .061 .061 .061 .151 .151 .151 .151 .151 .157 .168 .182 .199 .216 .216 48
34 .064 .064 .064 .064 .064 .162 .162 .162 .162 .162 .171 .184 .201 .220 .239 .239 49
35 .069 .069 .069 .069 .069 .173 .173 .173 .173 .173 .186 .202 .222 .244 .266 .266 50
36 .073 .073 .073 .073 .073 .181 .181 .181 .181 .181 .199 .217 .239 .264 .289 .289 51
37 .077 .077 .077 .077 .077 .194 .194 .194 .194 .194 .215 .235 .260 .288 .316 .316 52
38 .081 .081 .081 .081 .081 .207 .207 .207 .207 .207 .231 .253 .279 .311 .346 .346 53
39 .084 .084 .084 .084 .084 .220 .220 .220 .220 .220 .246 .270 .300 .336 .376 .376 54
40 .088 .088 .088 .088 .088 .232 .232 .232 .232 .232 .262 .288 .321 .361 .408 .408 55
41 .095 .095 .095 .095 .095 .250 .250 .250 .250 .250 .284 .313 .348 .393 .446 .446 56
42 .102 .102 .102 .102 .102 .269 .269 .269 .269 .269 .309 .341 .379 .429 .488 .491 57
43 .109 .109 .109 .109 .109 .288 .288 .288 .288 .288 .335 .371 .415 .469 .534 .540 58
44 .116 .116 .116 .116 .116 .306 .306 .306 .306 .306 .362 .405 .455 .513 .582 .591 59
45 .123 .123 .123 .123 .123 .326 .326 .326 .326 .326 .393 .442 .4_8 .561 .636 .642 60
46 .116 .116 .116 .116 .116 .351 .351 .351 .351 .351 .429 .485 .550 .622 .706 .711 61
47 .124 .124 .124 .124 .124 .380 .380 .380 .380 .380 .468 .531 .606 .689 .784 .789 62
48 .133 .133 .133 .133 .133 .413 .413 .413 .413 .413 .509 .581 .666 .760 .869 .879 63
49 .143 .143 .143 .143 .143 .450 .450 .450 .450 .450 .554 .634 .728 .838 .963 .982 64
50 .154 .154 .154 .154 .154 .488 .488 .488 .488 .488 .601 .688 .795 .920 1.066 1.096 65
51 .170 .170 .170 .170 .170 .566 .566 .566 .566 .566 .660 .756 .874 1.016 1.182 1.220 66
52 .186 .186 .186 .186 .186 .583 .583 .583 .583 .583 .723 .828 .960 1.119 1.306 1.352 67
53 .203 .203 .203 .203 .203 .629 .629 .629 .629 .629 .788 .906 1.052 1.228 1.435 1.493 68
54 .220 .220 .220 .220 .220 .675 .675 .675 .675 .675 .857 .990 1.151 1.343 1.572 1.635 69
55 .239 .239 .239 .239 .239 .722 .722 .722 .722 .722 .931 1.079 1.257 1.468 1.721 1.785 70
56 .254 .254 .254 .254 .254 .787 .787 .787 .787 .787 1.017 1.183 1.379 1.611 1.890 1.965 71
57 .278 .278 .278 .278 .278 .849 .849 .849 .849 .849 1.106 1.291 1.509 1.764 2.073 2.167 72
58 .308 .308 .308 .308 .308 .920 .920 .920 .920 .920 1.203 1.407 1.648 1.934 2.276 2.383 73
59 .342 .342 .342 .342 .342 1.000 1.000 1.000 1.000 1.000 1.307 1.530 1.799 2.118 2.500 2.621 74
60 .381 .381 .381 .381 .381 1.090 1.090 1.090 1.090 1.090 1.420 1.664 1.962 2.320 2.744 2.881 75
61 .424 .424 .424 .424 .424 1.187 1.187 1.187 1.187 1.187 1.548 1.822 2.163 2.577 3.062 3.243 76
62 .469 .469 .469 .469 .469 1.290 1.290 1.290 1.290 1.290 1.690 1.997 2.385 2.857 3.415 3.647 77
63 .517 .517 .517 .517 .517 1.396 1.396 1.396 1.396 1.396 1.842 2.187 2.626 3.166 3.802 4.101 78
64 .570 .570 .570 .570 .570 1.506 1.506 1.506 1.506 1.506 2.005 2.392 2.890 3.503 4.229 4.600 79
65 .626 .626 .626 .626 .626 1.628 1.628 1.628 1.628 1.628 2.188 2.623 3.183 3.876 4.699 5.135 80
66 .683 .683 .683 .683 .683 1.780 1.780 1.780 1.780 1.780 2.417 2.914 3.556 4.353 5.310 5.812 81
67 .741 .741 .741 .741 .741 1.959 1.959 1.959 1.959 1.959 2.691 3.254 3.981 4.889 5.989 6.573 82
68 .799 .799 .799 .799 .799 2.174 2.174 2.174 2.174 2.174 3.020 3.653 4.467 5.486 6.744 7.417 83
69 .859 .859 .859 .859 .859 2.426 2.426 2.426 2.426 2.426 3.406 4.113 5.015 6.152 7.580 8.398 84
70 .920 .920 .920 .920 .920 2.712 2.712 2.712 2.712 2.712 3.849 4.633 5.628 6.889 8.501 9.516 85
71 1.008 1.008 1.008 1.008 1.008 2.950 2.950 2.950 2.950 2.950 4.226 5.122 6.262 7.711 9.575 10.789 86
72 1.102 1.102 1.102 1.102 1.102 3.208 3.208 3.208 3.208 3.208 4.641 5.662 6.967 8.6_4 10.789 12.233 87
73 1.204 1.204 1.204 1.204 1.204 3.483 3.483 3.483 3.483 3.483 5.088 6.249 7.740 9.651 12.135 13.840 88
74 1.292 1.292 1.292 1.292 1.292 3.726 3.726 3.726 3.726 3.726 5.489 6.787 8.457 10.610 13.412 15.386 89
75 1.360 1.360 1.360 1.360 1.360 3.921 3.921 3.921 3.921 3.921 5.816 7.237 9.071 11.436 14.538 16.766 90
17.468 91
18.185 92
FEMALE PREFERRED SMOKER PAGE 7 OF 8
[X] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ----------
7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .093 .093 22
8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .093 .093 .093 23
9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .093 .093 .093 .093 24
10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .093 .093 .093 .093 .093 25
11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .093 .093 .093 .093 .093 .093 26
12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .093 .093 .093 .093 .093 .093 .093 27
13 .100 .100 .110 .110 .120 .120 .120 .120 .093 .093 .093 .093 .093 .093 .093 .093 28
14 .100 .110 .110 .120 .120 .120 .120 .093 .093 .093 .093 .093 .093 .093 .093 .093 29
15 .110 .110 .120 .120 .120 .120 .093 .093 .093 .093 .093 .093 .093 .093 .093 .093 30
16 .110 .120 .120 .120 .120 .093 .093 .093 .093 .093 .093 .093 .093 .093 .093 .093 31
17 .120 .120 .120 .120 .052 .093 .093 .093 .093 .093 .093 .093 .093 .093 .093 .093 32
18 .120 .120 .120 .052 .052 .093 .093 .093 .093 .093 .093 .093 .093 .093 .093 .093 33
19 .120 .120 .052 .052 .052 .093 .093 .093 .093 .093 .093 .093 .093 .093 .099 .099 34
20 .121 .052 .052 .052 .052 .093 .093 .093 .093 .093 .093 .093 .093 .099 .108 .108 35
21 .052 .052 .052 .052 .052 .093 .093 .093 .093 .093 .093 .093 .099 .108 .119 .119 36
22 .052 .052 .052 .052 .052 .094 .094 .094 .094 .094 .094 .094 .102 .113 .126 .126 37
23 .052 .052 .052 .052 .052 .095 .095 .095 .095 .095 .095 .097 .108 .121 .135 .135 38
24 .052 .052 .052 .052 .052 .098 .098 .098 .098 .098 .098 .104 .117 .132 .148 .148 39
25 .052 .052 .052 .052 .052 .102 .102 .102 .102 .102 .102 .113 .129 .146 .163 .163 40
26 .052 .052 .052 .052 .052 .110 .110 .110 .110 .110 .112 .126 .142 .162 .182 .182 41
27 .052 .052 .052 .052 .052 .117 .117 .117 .117 .117 .123 .139 .158 .180 .202 .202 42
28 .055 .055 .055 .055 .055 .127 .127 .127 .127 .127 .136 .153 .174 .199 .222 .222 43
29 .059 .059 .059 .059 .059 .138 .138 .138 .138 .138 .153 .171 .193 .218 .244 .244 44
30 .064 .064 .064 .064 .064 .151 .151 .151 .151 .151 .171 .191 .214 .241 .269 .269 45
31 .071 .071 .071 .071 .071 .164 .164 .164 .164 .164 .190 .212 .236 .265 .295 .295 46
32 .077 .077 .077 .077 .077 .180 .180 .180 .180 .180 .211 .235 .263 .294 .326 .326 47
33 .083 .083 .083 .083 .083 .197 .197 .197 .197 .197 .234 .261 .292 .326 .362 .362 48
34 .089 .089 .089 .089 .089 .215 .215 .215 .215 .215 .259 .288 .323 .362 .402 .402 49
35 .096 .096 .096 .096 .096 .235 .235 .235 .235 .235 .285 .317 .357 .401 .447 .447 50
36 .103 .103 .103 .103 .103 .249 .249 .249 .249 .249 .305 .341 .386 .436 .487 .487 51
37 .109 .109 .109 .109 .109 .268 .268 .268 .268 .268 .328 .368 .417 .473 .529 .529 52
38 .116 .116 .116 .116 .116 .286 .286 .286 .286 .286 .352 .395 .447 .508 .572 .572 53
39 .122 .122 .122 .122 .122 .304 .304 .304 .304 .304 .374 .420 .476 .542 .616 .616 54
40 .128 .128 .128 .128 .128 .320 .320 .320 .320 .320 .396 .445 .504 .577 .661 .661 55
41 .140 .140 .140 .140 .140 .345 .345 .345 .345 .345 .427 .478 .541 .620 .712 .715 56
42 .151 .151 .151 .151 .151 .370 .370 .370 .370 .370 .459 .516 .584 .667 .767 .778 57
43 .161 .161 .161 .161 .161 .394 .394 .394 .394 .394 .493 .556 .629 .718 .825 .841 58
44 .171 .171 .171 .171 .171 .417 .417 .417 .417 .417 .529 .599 .679 .774 .886 .901 59
45 .182 .182 .182 .182 .182 .442 .442 .442 .442 .442 .566 .644 .732 .833 .948 .958 60
46 .180 .180 .180 .180 .180 .471 .471 .471 .471 .471 .608 .695 .796 .905 1.030 1.041 61
47 .191 .191 .191 .191 .191 .504 .504 .504 .504 .504 .652 .750 .860 .981 1.123 1.133 62
48 .204 .204 .204 .204 .204 .542 .542 .542 .542 .542 .699 .803 .924 1.064 1.224 1.238 63
49 .218 .218 .218 .218 .218 .584 .584 .584 .584 .584 .745 .857 .993 1.151 1.332 1.356 64
50 .233 .233 .233 .233 .233 .625 .625 .625 .625 .625 .791 .914 1.065 1.241 1.447 1.482 65
51 .252 .252 .252 .252 .252 .677 .677 .677 .677 .677 .854 .987 1.150 1.345 1.573 1.616 66
52 .272 .272 .272 .272 .272 .726 .726 .726 .726 .726 .919 1.062 1.240 1.454 1.703 1.753 67
53 .292 .292 .292 .292 .292 .772 .772 .772 .772 .772 .985 1.141 1.334 1.564 1.835 1.893 68
54 .312 .312 .312 .312 .312 .814 .814 .814 .814 .814 1.051 1.223 1.430 1.676 1.968 2.027 69
55 .333 .333 .333 .333 .333 .857 .857 .857 .857 .857 1.121 1.308 1.530 1.793 2.107 2.162 70
56 .350 .350 .350 .350 .350 .914 .914 .914 .914 .914 1.199 1.402 1.642 1.924 2.261 2.323 71
57 .376 .376 .376 .376 .376 .969 .969 .969 .969 .969 1.277 1.498 1.757 2.060 2.422 2.500 72
58 .407 .407 .407 .407 .407 1.062 1.062 1.062 1.062 1.062 1.360 1.598 1.878 2.206 2.597 2.680 73
59 .443 .443 .443 .443 .443 1.104 1.104 1.104 1.104 1.104 1.446 1.700 2.003 2.360 2.783 2.871 74
60 .484 .484 .484 .484 .484 1.182 1.182 1.182 1.182 1.182 1.537 1.806 2.134 2.522 2.979 2.094 75
61 .527 .527 .527 .527 .527 1.265 1.265 1.265 1.265 1.265 1.669 1.933 2.296 2.733 3.262 3.412 76
62 .570 .570 .570 .570 .570 1.350 1.350 1.350 1.350 1.350 1.749 2.069 2.470 2.972 3.567 3.757 77
63 .___ .___ .___ .___ .___ 1.433 1.433 1.433 1.433 1.433 1.860 2.210 2.668 3.230 3.892 4.135 78
64 .665 .665 .665 .665 .665 1.515 1.515 1.515 1.515 1.515 1.977 2.372 2.880 3.502 4.239 4.537 79
65 .714 .714 .714 .714 .714 1.603 1.603 1.603 1.603 1.603 2.117 2.551 3.108 3.796 4.610 4.949 80
66 .763 .763 .763 .763 .763 1.717 1.717 1.717 1.717 1.717 2.293 2.777 3.401 4.172 5.095 5.471 81
67 .808 .808 .808 .808 .808 1.853 1.853 1.853 1.853 1.853 2.502 3.068 3.727 4.583 5.615 6.038 82
68 .851 .851 .851 .851 .851 2.017 2.017 2.017 2.017 2.017 2.752 3.339 4.091 5.027 6.175 6.645 83
69 .893 .893 .893 .893 .893 2.209 2.209 2.209 2.209 2.209 3.039 3.678 4.490 5.505 6.771 7.329 84
70 .933 .933 .933 .933 .933 2.426 2.426 2.426 2.426 2.426 3.360 4.050 4.922 6.016 7.404 8.081 85
71 .997 .997 .997 .997 .997 2.590 2.590 2.590 2.590 2.590 3.608 4.375 5.345 6.566 8.120 8.907 86
72 1.067 1.067 1.067 1.067 1.067 2.762 2.762 2.762 2.762 2.762 3.872 4.723 5.799 7.161 8.899 9.805 87
73 1.169 1.169 1.169 1.169 1.169 2.940 2.940 2.940 2.940 2.940 4.146 5.085 6.277 7.788 9.725 10.871 88
74 1.196 1.196 1.196 1.196 1.196 3.081 3.081 3.081 3.081 3.081 4.365 5.382 6.678 8.325 10.542 12.058 89
75 1.233 1.233 1.233 1.233 1.233 3.175 3.175 3.175 3.175 3.175 4.511 5.592 6.969 8.827 11.408 13.112 90
13.649 91
14.194 92
15.089 93
16.469 94
FEMALE SMOKER PAGE 8 OF 8
[X] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ----------
7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .120 .120 22
8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .120 .120 .120 23
9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .120 .120 .120 .120 24
10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .120 .120 .120 .120 .120 25
11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 26
12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 27
13 .100 .100 .110 .110 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 28
14 .100 .110 .110 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 29
15 .110 .110 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 30
16 .110 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 31
17 .120 .120 .120 .120 .074 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 32
18 .120 .120 .120 .074 .074 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 33
19 .120 .120 .074 .074 .074 .120 .120 .120 .120 .120 .120 .120 .120 .120 .125 .125 34
20 .121 .074 .074 .074 .074 .120 .120 .120 .120 .120 .120 .120 .120 .125 .132 .132 35
21 .074 .074 .074 .074 .074 .120 .120 .120 .120 .120 .120 .120 .125 .132 .141 .141 36
22 .074 .074 .074 .074 .074 .120 .120 .120 .120 .120 .120 .121 .129 .139 .150 .150 37
23 .074 .074 .074 .074 .074 .123 .123 .123 .123 .123 .123 .127 .137 .149 .161 .161 38
24 .074 .074 .074 .074 .074 .127 .127 .127 .127 .127 .128 .135 .148 .163 .176 .176 39
25 .074 .074 .074 .074 .074 .133 .133 .133 .133 .133 .138 .148 .164 .180 .195 .195 40
26 .074 .074 .074 .074 .074 .143 .143 .143 .143 .143 .151 .166 .182 .201 .218 .218 41
27 .075 .075 .075 .075 .075 .154 .154 .154 .154 .154 .167 .183 .202 .223 .242 .242 42
28 .080 .080 .080 .080 .080 .168 .168 .168 .168 .168 .186 .204 .223 .247 .267 .267 43
29 .085 .085 .085 .085 .085 .184 .184 .184 .184 .184 .210 .228 .249 .272 .293 .293 44
30 .093 .093 .093 .093 .093 .204 .204 .204 .204 .204 .237 .256 .276 .300 .323 .323 45
31 .10_ .10_ .10_ .10_ .10_ .224 .224 .224 .224 .224 .264 .284 .306 .332 .356 .356 46
32 .112 .112 .112 .112 .112 .247 .247 .247 .247 .247 .294 .317 .341 .368 .393 .393 47
33 .121 .121 .121 .121 .121 .272 .272 .272 .272 .272 .327 .352 .379 .408 .437 .437 48
34 .130 .130 .130 .130 .130 .299 .299 .299 .299 .299 .362 .390 .421 .455 .486 .486 49
35 .141 .141 .141 .141 .141 .328 .328 .328 .328 .328 .399 .429 .466 .505 .541 .542 50
36 .150 .150 .150 .150 .150 .350 .350 .350 .350 .350 .429 .463 .504 .548 .590 .590 51
37 .153 .153 .153 .153 .153 .377 .377 .377 .377 .377 .462 .499 .545 .595 .642 .642 52
38 .168 .168 .168 .168 .168 .403 .403 .403 .403 .403 .495 .535 .584 .640 .694 .694 53
39 .178 .178 .178 .178 .178 .428 .428 .428 .428 .428 .527 .570 .623 .683 .747 .747 54
40 .186 .186 .186 .186 .186 .450 .450 .450 .450 .450 .558 .603 .659 .726 .802 .802 55
41 .203 .203 .203 .203 .203 .486 .486 .486 .486 .486 .601 .649 .708 .781 .864 .872 56
42 .220 .220 .220 .220 .220 .522 .522 .522 .522 .522 .647 .700 .764 .840 .931 .949 57
43 .235 .235 .235 .235 .235 .557 .557 .557 .557 .557 .695 .756 .824 .905 1.002 1.027 58
44 .250 .250 .250 .250 .250 .590 .590 .590 .590 .590 .746 .814 .890 .977 1.076 1.100 59
45 .265 .265 .265 .265 .265 .626 .626 .626 .626 .626 .799 .875 .960 1.052 1.151 1.169 60
46 .268 .268 .268 .268 .268 .666 .666 .666 .666 .666 .858 .947 1.044 1.143 1.252 1.272 61
47 .285 .285 .285 .285 .285 .713 .713 .713 .713 .713 .921 1.021 1.127 1.239 1.365 1.384 62
48 .305 .305 .305 .305 .305 .769 .769 .769 .769 .769 .988 1.093 1.212 1.344 1.488 1.513 63
49 .326 .326 .326 .326 .326 .829 .829 .829 .829 .829 1.054 1.167 1.303 1.455 1.620 1.658 64
50 .347 .347 .347 .347 .347 .889 .889 .889 .889 .889 1.119 1.246 1.398 1.569 1.761 1.813 65
51 .376 .376 .376 .376 .376 .964 .964 .964 .964 .964 1.209 1.346 1.510 1.701 1.915 1.977 66
52 .407 .407 .407 .407 .407 1.066 1.066 1.066 1.066 1.066 1.302 1.449 1.630 1.840 2.075 2.145 67
53 .436 .436 .436 .436 .436 1.102 1.102 1.102 1.102 1.102 1.396 1.557 1.754 1.980 2.235 2.317 68
54 .466 .466 .466 .466 .466 1.164 1.164 1.164 1.164 1.164 1.490 1.670 1.881 2.123 2.398 2.481 69
55 .497 .497 .497 .497 .497 1.226 1.226 1.226 1.226 1.226 1.590 1.788 2.014 2.272 2.569 2.648 70
56 .525 .525 .525 .525 .525 1.304 1.304 1.304 1.304 1.304 1.699 1.916 2.161 2.437 2.756 2.846 71
57 .564 .564 .564 .564 .564 1.382 1.382 1.382 1.382 1.382 1.811 2.047 2.313 2.610 2.954 3.063 72
58 .611 .611 .611 .611 .611 1.473 1.473 1.473 1.473 1.473 1.929 2.184 2.472 2.796 3.168 3.285 73
59 .666 .666 .666 .666 .666 1.576 1.576 1.576 1.576 1.576 2.052 2.324 2.637 2.993 3.396 3.521 74
60 .727 .727 .727 .727 .727 1.689 1.689 1.689 1.689 1.689 2.181 2.471 2.811 3.200 3.637 3.796 75
61 .792 .792 .792 .792 .792 1.809 1.809 1.809 1.809 1.809 2.328 2.645 3.027 3.469 3.983 4.188 76
62 .857 .857 .857 .857 .857 1.932 1.932 1.932 1.932 1.932 2.484 2.832 3.258 3.776 4.359 4.614 77
63 .926 .926 .926 .926 .926 2.053 2.053 2.053 2.053 2.053 2.645 3.028 3.522 4.105 4.760 5.082 78
64 .999 .999 .999 .999 .999 2.172 2.172 2.172 2.172 2.172 2.811 3.252 3.804 4.454 5.187 5.579 79
65 1.074 1.074 1.074 1.074 1.074 2.301 2.301 2.301 2.301 2.301 3.013 3.500 4.109 4.831 5.646 6.090 80
66 1.147 1.147 1.147 1.147 1.147 2.464 2.464 2.464 2.464 2.464 3.266 3.813 4.499 5.315 6.244 6.738 81
67 1.215 1.215 1.215 1.215 1.215 2.660 2.660 2.660 2.660 2.660 3.566 4.175 4.934 5.843 6.888 7.443 82
68 1.280 1.280 1.280 1.280 1.280 2.899 2.899 2.899 2.899 2.899 3.926 4.593 5.421 6.415 7.581 8.199 83
69 1.343 1.343 1.343 1.343 1.343 3.181 3.181 3.181 3.181 3.181 4.342 5.066 5.956 7.033 8.323 9.053 84
70 1.404 1.404 1.404 1.404 1.404 3.500 3.500 3.500 3.500 3.500 4.809 5.586 6.537 7.693 9.109 9.995 85
71 1.501 1.501 1.501 1.501 1.501 3.740 3.740 3.740 3.740 3.740 5.168 6.040 7.108 8.406 10.004 11.031 86
72 1.606 1.606 1.606 1.606 1.606 3.993 3.993 3.993 3.993 3.993 5.551 6.526 7.721 9.179 10.979 12.233 87
73 1.715 1.715 1.715 1.715 1.715 4.254 4.254 4.254 4.254 4.254 5.950 7.065 8.367 9.997 12.085 13.840 88
74 1.802 1.802 1.802 1.802 1.802 4.460 4.460 4.460 4.460 4.460 6.268 7.452 8.911 10.697 13.359 15.386 89
75 1.858 1.858 1.858 1.858 1.858 4.593 4.593 4.593 4.593 4.593 6.479 7.746 9.303 11.381 14.481 16.766 90
17.468 91
18.185 92
19.364 93
21.188 94
TEN YEAR SELECT NON REFUND YRT REINSURANCE PROGRAM
USE OF THE RATE SCHEDULE
SMOKER/NON-SMOKER DIFFERENTIATION
This schedule contains YRT rates which are differentiated by smoking habit
for issue ages 20-69. These rates are to be used only where the Ceding
Company's gross premiums are differentiated by smoking habit. For
reinsurance generated from plans of insurance where the Ceding Company does
not differentiate its premiums by smoking habit, North American Re's
undifferentiated YRT reinsurance premium schedule should be used.
FEMALE RATES
Ages 0 to 10 Use Rates for Males Same Age
Ages 11 to 14 Use Rates for Males Age 10
Ages 15 to 19 Use Rates for Males 4 Years Younger
Ages 24 & Older
Ages 20 to 23 Use Rates for Males Age 20
SUBSTANDARD RISKS
Multiple table substandard premiums are equal to the sum of the standard
premium (smoker, non-smoker, or undifferentiated) and the appropriate
multiple of the additional premiums for 25% excess mortality shown in the
Substandard table. For example: if a risk is rated Class D, 200%, the
premium per thousand for each age and duration is the standard premium plus
four times the additional substandard premium.
Reinsurance premiums for risks which have been rated on a multiple table
basis shall revert to the standard premium on the later of the twentieth
policy anniversary and attained age 65.
POLICY FEE
For risks ceded on a bordereau basis,there is no policy fee. For risks
ceded on an individual cession basis, the policy fee is $50 in the first
year and $20 in renewal years.
MINIMUM CESSION
The minimum initial amount of reinsurance that may be ceded under this
program is $10,000.
RECAPTURE
Reinsurance ceded under this program will not be eligible for recapture
before the end of the tenth policy anniversary.
REINSURANCE PREMIUMS
I. Plan: Single Premium Whole Life (Standard Issues Only)
II. Standard Reinsurance Risk Premiums: Reinsurance ceded under this Addendum
shall employ individual cessions using annual reinsurance premiums. The
reinsurance premiums shall equal the rates attached to this Exhibit B, less
the following percentage reductions:
Policy Year
------ ----
1 2+
--- --
100% 0%
III. Maximum Amount Of Reinsurance On One Life On These Reinsurance Premiums:
$3,000,000.
IV. Reinsurance Premiums For Policies Converted To The Single Premium Whole
Life Plan: Any reinsurance in force with the North American Re on policies
converted to or reissued on the above plan shall be continued with the
North American Re. The reinsured risk amount shall be determined as
described in Paragraph 1 of this Addendum following the conversion or
reissue. The applicable reinsurance premiums will be determined as
described in this Exhibit B, with age and duration measured from the date
of issue of the original policy.
V. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
VI. Disability Net Coinsurance Premiums: North American Re shall receive its
proportionate share of the gross premium charged the policyholder by the
Company less the following allowances:
First Year 100%
Renewal Years 32
VIII. Policy Fees: The Company shall retain all policy fees in their entirety.
IX. Coinsurance Limit per life: $5,000,000
X. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the 10th policy anniversary.
EXHIBIT B (Cont'd)
Memorandum Addendum No. I to the Reinsurance Agreement effective June 1, 1984
between the Life Insurance Company of Virginia and the North American
Reassurance Company.
Effective January 1, 1985 the Single Premium Whole Life plan (Standard issues
only) shall be ceded to the North American Re under the above referenced
Reinsurance Agreement subject to the same terms and conditions of the Agreement
except as provided below:
1. Plan of Reinsurance:
A. Reinsurance of Life risks shall be on the Yearly Renewable Term plan.
The risk amount for policy years one through five shall be estimated
by the Company at issue. At the end of the five years and each
subsequent five year period, the Company shall provide the North
American Re with reinsurance risk amounts for the ensuing five years.
However, increases in the reinsured risk amount shall be limited to an
ultimate maximum of $1,000,000. Reinsurance premiums and reinsurance
death benefits will be based on the reinsurance risk amounts so
reported to North American Re regardless of what the actual policy
risk amounts are.
2. Reinsurance Administration:
A. Reinsurance shall be ceded using an individual cession basis.
Reinsurance premiums shall be paid annually, but if a reinsurance
policy is terminated or reduced in accordance with the provisions of
this Agreement, the North American Re shall refund to the Company the
unearned portion of the reinsurance premium.
-1-
B. Promptly at the beginning of each calendar month the North American Re
shall send to the Company a statement of premiums for all outstanding
new reinsurance upon which confirmation of reinsurance has been
received by the North American Re and renewal premiums for all renewal
reinsurances falling due within such month. The statement shall also
include any adjustments in reinsurance premiums. The Company shall
verify the statement and return it to the North American Re within a
reasonable time together with a remittance covering the amount due.
3. Reinsurance Premiums:
A. Life Premiums:
1) Until further notice, reinsurance premiums shall be at the rates
given in the attached Exhibit B. The North American Re guarantees
that premium rates for a given attained age, rating and duration
shall not exceed the higher of the rate shown in the attached
schedule (Exhibit B) for that age, rating and duration or the one
year term rate on the appropriate multiple of the 1958 CSO table
at 2 1/2%.
2) The reinsurance premiums are annual policy year premiums payable
in advance at the beginning of the month following issue and the
beginning of the month in which a renewal anniversary occurs.
-2-
IN WITNESS WHEREOF, the Company and the North American Re have cuased their
names to be subscribed and duly attested hereunder by their respective
Authorized Officers.
THE LIFE INSURANCE COMPANY OF VIRGINIA
By Illigible 2ND V.P
----------------------, -------------
Authorized Officer Title
Attest:
By /s/ Illegible Reinsurance ____, asst
----------------------------------, ----------------------
Authorized Officer Title
Date:
NORTH AMERICAN REASSURANCE COMPANY
By /s/ Illegible Vice - President
--------------------, ----------------
Authorized Officer Title
Attest:
By Illegible V.P.
----------------------------------, ---------------------
Authorized Officer Title
Date: June 26, 1987
- 3 -
REINSURANCE PREMIUMS
I. Plan: Single Premium Whole Life (Standard Issues Only)
II. Standard Reinsurance Risk Premiums: Reinsurance ceded under this Addendum
shall employ individual cessions using annual reinsurance premiums. The
reinsurance premiums shall equal the rates attached to this Exhibit B, less
the following percentage reduction:
All Policy Years
----------------
10%
III. Maximum Amount of Reinsurance On One Life on These Reinsurance Premiums:
$3,000,000.
IV. Reinsurance Premiums For Policies Converted To The Single Premium Whole
Life Plan: Any reinsurance in force with the North American Re on policies
converted to or reissued on the above plan shall be continued with the
North American Re. The reinsured risk amount shall be determined as
described in Paragraph 1 of this Addendum following the conversion or
reissue. The applicable reinsurance premiums will be determined as
described in this Exhibit B, with age and duration measured from the date
of issue of the original policy.
V. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
LIFE INSURANCE COMPANY OF VIRGINIA
SINGLE PREMIUM WHOLE LIFE
Annual Cost per $1,000
ISS DURATION ATT
AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 ULT AGE
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------- ---
21 0.90 0.99 1.03 1.01 0.99 0.93 0.95 0.95 0.98 1.02 1.04 1.11 1.18 1.26 1.35 1.44 36
22 0.84 0.93 0.98 0.96 0.94 0.90 0.91 0.92 0.95 1.00 1.05 1.11 1.20 1.30 1.42 1.55 37
23 0.80 0.89 0.94 0.93 0.91 0.89 0.89 0.91 0.95 1.00 1.07 1.14 1.25 1.38 1.51 1.68 38
24 0.76 0.8_ 0.90 0.90 0.90 0.88 0.89 0.92 0.96 1.03 1.12 1.20 1.34 1.49 1.64 1.83 39
25 0.72 0.79 0.86 0.88 0.90 0.89 0.91 0.94 1.00 1.07 1.18 1.29 1.46 1.64 1.80 2.01 40
26 0.70 0.77 0.84 0.87 0.91 0.92 0.95 1.00 1.06 1.15 1.28 1.43 1.60 1.81 2.00 2.19 41
27 0.70 0.76 0.82 0.88 0.93 0 97 1.02 1.07 1.16 1.27 1.41 1.58 1.78 2.00 2.22 2.41 42
28 0.72 0.78 0.85 0.91 0.98 1.03 1.09 1.18 1.28 1.41 1.56 1.75 1.96 2.21 2.44 2.67 43
29 0.76 0.81 0.88 0.96 1.04 1.11 1.20 1.30 1.43 1.58 1.75 1.94 2.17 2.43 2.68 2.95 44
30 0.80 0.87 0.9_ 1.03 1.12 1.22 1.32 1.45 1.60 1.78 1.96 2.17 2.40 2.67 2.95 3.26 45
31 0.86 0.95 1.03 1.13 1.23 1.35 1.48 1.62 1.81 2.00 2.20 2.42 2.67 2.96 3.25 3.59 46
32 0.92 1.02 1.12 1.23 1.35 1.50 1.65 1.83 2.03 2.25 2.46 2.70 2.97 3.28 3.61 3.98 47
33 0.95 1.08 1.20 1.35 1.50 1.66 1.85 2.04 2.26 2.51 2.74 3.01 3.32 3.67 4.02 4.43 48
34 0.97 1.14 1.30 1.47 1.66 1.86 2.06 2.28 2.52 2.78 3.05 3.35 3.71 4.10 4.49 4.96 49
35 1.01 1.21 1.41 1.63 1.84 2.06 2.29 2.54 2.80 3.07 3.38 3.72 4.12 4.57 5.01 5.56 50
36 1.06 1.32 1.57 1.83 2.08 2.33 2.40 2.86 3.14 3.43 3.77 4.15 4.61 5.11 5.60 6.16 51
37 1.16 1.46 1.76 2.07 2.36 2.64 2.92 3.22 3.53 3.84 4.21 4.62 5.12 5.68 6.23 6.75 52
38 1.29 1.65 2.01 2.36 2.69 2.98 3.30 3.64 3.96 4.31 4.69 5.14 5.67 6.28 6.90 7.41 53
39 1.45 1.89 2.30 2.69 3.04 3._8 3.72 4.08 4._5 4.82 5.23 5.69 6.26 6.92 7.61 8.15 54
40 1.64 2.16 2.63 3.07 3.44 3.80 4.18 4.58 4.98 5.39 5.81 6.30 6.90 7.61 8.39 9.03 55
41 1.77 2.35 2.89 3.36 3.76 4.15 4.55 4.99 5.45 5.92 6.39 6.93 7.59 8.40 9.32 10.06 56
42 1.89 2.55 3.13 3.64 4.08 4.50 4.94 5._3 5.94 6.47 7.01 7.64 8.38 9.29 10.35 11.34 57
43 2.01 2.72 3.36 3.91 4.40 4.86 5.33 5.86 6.41 7.05 7.68 8.43 9.28 10.29 11.49 12.70 58
44 2.13 2.89 3.58 4.19 4.71 5.22 5.73 6.29 6.87 7.63 8.41 9.29 10.28 11.42 12.73 14.14 59
45 2.25 3.06 3.81 4.48 5.05 5.60 6.15 6.74 7.37 8.26 9.20 10.23 11.38 12.56 14.12 15.65 60
46 2.40 3.28 4.10 4.86 5.50 6.09 6.68 7.32 8.00 8.98 10.04 11.21 12.52 13.92 15.50 17.30 61
47 2.56 3.54 4.44 5.28 6.03 6.66 7.30 7.99 8.80 9.81 10.97 12.27 13.72 15.29 17.03 18.92 62
48 2.72 3.83 4.84 5.77 6.64 7.66 8.05 8.81 9.74 10.75 11.97 13.39 15.01 16.76 18.71 20.73 63
49 2.89 4.14 5.27 6.32 7.31 8.14 8.93 9.76 10.76 11.79 13.07 14.58 16.37 18.36 20.55 22.87 64
50 3.06 4.49 5.74 6.91 8.01 8.97 9.87 10.79 11.80 12.88 14.21 15.85 17.82 20.05 22.53 25.14 65
51 3.25 4.85 6.26 7.53 8.74 9.84 10.36 11.87 12.92 14.10 15.54 17.35 19.54 22.08 24.92 27.60 66
52 3.45 5.25 6.79 8.17 9.47 10.67 11.79 12.90 14.03 15.34 16.93 18.94 21.40 24.26 27.48 30.54 67
53 3.66 5.64 7.32 8.79 10.17 11.43 12.62 13.82 15.12 16.58 18.38 20.63 23.36 26.55 30.18 33.69 68
54 3.90 6.05 7.86 9.41 10.85 12.12 13.37 14.70 16.19 17.84 19.88 22.44 25.47 28._8 33.03 36.87 69
55 4.15 6.49 8.44 10.07 11.55 12.84 14.15 15.58 17.28 19.15 21.49 24.38 27.74 31.61 36.12 40.27 70
56 4.45 6.99 9.08 10.79 12.29 13.59 14.95 16.47 18.32 20.42 23.06 26.26 29.95 34.17 39.12 44.36 71
57 4.82 7.57 9.82 11.63 13.12 14.48 15.92 17.51 19._1 21.81 24.75 28.30 32.36 37.00 42.46 48.45 72
58 5.26 8.27 10.72 12.62 14.16 15.61 17.12 18.76 20.67 23.34 26.57 30.48 34.97 40.14 46.20 52.80 73
59 5.77 9.09 11.76 13.78 15.44 16.98 18.55 20.23 22.19 25.04 28.55 32.80 37.81 43.60 50.32 57.60 74
60 6.35 10.00 12.90 15.07 16.90 18.52 20.16 21.87 23.95 26.92 30.70 35.33 40.89 47.37 54.84 62.92 75
61 7.03 10.97 14.09 16.45 18.45 20.17 21.88 23.66 25.89 29.00 33.08 38.12 44.27 51.52 59.78 68.81 76
62 7.78 11.94 15.28 17.90 20.02 21.85 23.67 25.59 27.99 31.32 35.71 41.20 48.00 56.03 65.14 75.24 77
63 8._1 13.06 _____ 19.41 21.57 23.50 25.43 27.53 30.16 33.76 38.52 44.54 52.04 60.91 70.91 82.30 78
64 9.54 14.38 18.10 20.94 23.16 25.17 27.22 29.51 32.44 36.37 41.56 48.16 56.42 66.16 77.12 89.82 79
65 10.55 15.75 19.66 22.51 24.83 26.97 29.18 31.75 35.07 39.38 45.02 52.23 61.24 71.88 83.81 97.58 80
66 11.65 17.09 21.__ 24.13 26.69 29.08 31.61 34.62 38.45 43.27 49.46 57.38 67._3 73._7 91.98 105.43 81
67 12.85 18.26 22.47 25.76 28.71 31.53 34.56 38.17 42.65 48.05 54.81 63.39 74.02 86.58 100.88 115.28 82
68 14.15 19.30 23.62 27.38 30.93 34.42 38.21 42.64 47.90 53.94 61.30 70.42 81.70 95.07 110.51 125.90 83
69 15.55 20.33 21.74 29.02 33.34 3_.77 42.59 48.05 54.21 60.97 68.89 78.50 90.27 104.53 120.92 138.04 84
70 17.04 21.31 25.83 30.66 35.92 41.55 47.65 54.32 61.53 69.08 77.57 87.56 99.73 114.37 132.11 151.51 85
71 18.65 26.02 32.67 37.35 41.84 46.84 52.36 59.45 67.18 75.38 85.13 95.85 108.83 125.01 144.60 166.41 86
72 20.38 28.36 35.64 40.80 45._5 51.23 57.29 64.89 72.98 81.44 92.00 103.47 117.16 135.65 157.90 180.17 87
73 22.20 30.93 38.93 44.62 50.02 56.03 62.52 70.50 78.86 88.02 99.32 112.16 128.02 147.34 172.44 196.07 88
74 24.23 33.78 42.57 48.79 54.72 61.15 67.92 76.17 85.22 95.02 107.66 121.72 139.05 160.06 188.04 209.27 89
75 26.46 36.9_ 46.56 53.37 5_.73 66.44 73.38 82.31 92.01 103.00 116.83 132.21 151.04 173.61 201.76 219.35 90
227.31 91
235.35 92
248.65 93
268.93 94
289.57 95
345.82 96
472.94 97
706.18 98
1080.76 99
AMENDMENT NO. I
To the Reinsurance Agreement
Between
LIFE INSURANCE COMPANY OF VIRGINIA
And
NORTH AMERICAN REASSURANCE COMPANY
Except as hereinafter specified, all the terms and conditions of the Reinsurance
Agreement effective the 1st day of June, 1984, amendments and addenda attached
thereto, shall apply, and this Amendment is to be attached to and made a part of
the aforesaid Agreement.
It is mutually agreed that effective the 1st day of April, 1986, Exhibit D,
Corporate Retention Limits of the Ceding Company; Exhibit F, Pool Members and
Applicable Percentages of Participation; and Exhibit G, Automatic Binding Limits
to the Reinsurance Pool; are revised as attached.
IN WITNESS WHEREOF, the Ceding Company and the North American Re have caused
their names to be subscribed and duly attested hereunder by their respective
Authorized Officers.
LIFE INSURANCE COMPANY OF VIRGINIA
By /s/ Illegible , Illegible
-------------------- ---------
Authorized Officer Title
Attest:
By /s/ Illegible , Illegible
-------------------- ---------
Authorized Officer Title
Date: March 3, 1986
NORTH AMERICAN REASSURANCE COMPANY
By /s/ Illegible , President
-------------------- ---------
Authorized Officer Title
Attest:
By /s/ Illegible , Illegible
-------------------- ---------
Authorized Officer Title
Date: mar 12, 1986
-1-
Pool Members and Applicable
Percentages of Participation
Company Percentages
------- -----------
AMERICAN UNITED LIFE INSURANCE COMPANY 25
Indianapolis, Indiana
CONTINENTAL ASSURANCE COMPANY 00
Xxxxxxx, Xxxxxxxx
NORTH AMERICAN REASSURANCE COMPANY 25
New York, New York
SECURITY LIFE OF DENVER INSURANCE COMPANY 25
Denver, Colorado
EXHIBIT F
AMENDMENT NO. II
To the Reinsurance Agreement
Between the
LIFE INSURANCE COMPANY OF VIRGINIA
And
NORTH AMERICAN REASSURANCE COMPANY
Except as hereinafter specified, all terms and conditions of the Reinsurance
Agreement effective the 1st day of June, 1984, amendments and addenda attached
thereto, shall apply, and this Amendment is to be attached to and made a part of
the aforesaid Agreement.
It is mutually agreed that effective the 1st day of May, 1991, Exhibit E, Jumbo
Risk, is revised as attached; SCHEDULE I, Automatic Binding Limits to the
Reinsurance Pool; and Paragraph 6, Automatic Binding Limits, of Memorandum
Addenda III and V are revised as attached.
IN WITNESS WHEREOF, the Company and North American Re have caused their names to
be subscribed and duly attested hereunder by their respective Authorized
Officers.
LIFE INSURANCE COMPANY OF VIRGINIA
By /s/ Illegible , 2d V. P.
-------------------- ---------------
Authorized Officer Title
Attest:
By /s/ Illegible , Vice President & Actuary
-------------------- ------------------------
Authorized Officer Title
Date: June 3, 1991
NORTH AMERICAN REASSURANCE COMPANY
By /s/ Illegible , President & CEO
-------------------- ---------------
Authorized Officer Title
Attest:
By /s/ Illegible assistant Secretary
--------------------, -------------------
Authorized Officer Title
Date: June 7, 1991
-1-
JUMBO RISK
Age Amount
---- -----------
0-70 $10,000,000
1-75 5,000,000
EXHIBIT E
AUTOMATIC BINDING LIMITS TO THE REINSURANCE POOL
Life
Standard Table 4:
Total Automatic
Ages LOV Pool Coverage NARE Share
----- -------- --------------- -----------
0-70 $500,000 $7,000,000 $1,4000,000
71-75 250,000 3,500,000 700,000
Table 5-16:
Total Automatic
Ages LOV Pool Coverage NARE Share
----- -------- --------------- ----------
0-70 $500,000 $6,500,000 $900,000
71-75 250,000 3,250,000 450,000
Waiver of Premium
Disability
An equal amount to that attaching to the face amount of Life coverage
automatically reinsured. The total WPD that can be reinsured per life is
$3,000,000.
SCHEDULE I
MEMORANDUM ADDENDA III and V
6. Automatic Binding Limits:
A. North American Re's share of automatic coverage shall be equal to an
amount not exceeding the limits specified in Exhibit G of the
Agreement to which this Addendum is attached.
AMENDMENT NO. III
To the Reinsurance Agreement
Between
THE LIFE INSURANCE COMPANY OF VIRGINIA
And
NORTH AMERICAN REASSURANCE COMPANY
Except as hereinafter specified, all terms and conditions of the Reinsurance
Agreement effective the 1st day of June, 1984, amendments and addenda attached
thereto, shall apply, and this Amendment is to be attached to and made a part of
the aforesaid Agreement.
It is mutually agreed that effective the 1st day of January, 1992, ARTICLE XIX,
DAC Tax, as follows, is added to the Agreement:
ARTICLE XIX
DAC TAX
Election Statement
1. The Company and North American Re 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 for 1992 and for all subsequent taxable years for
which this Agreement remains in effect.
(a) The term "party" will refer to either the Company or North
American Re 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 will 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 is otherwise required by the Internal
Revenue Service.
(e) The Company will submit a schedule to North American Re by May 1,
of each year of its calculation of the net consideration for the
preceding calendar year. This schedule of calculations will be
accompanied by a statement stating that the Company will report
such net consideration in its tax return for the preceding
calendar year.
(f) North American Re may contest such calculation by providing an
alternative calculation to the Company by June 1. If North
American Re does not so notify the Company, the
Company will report the net consideration as determined by the
Company in the Company's tax return for the previous calendar
year.
(g) If North American Re contests the Company's calculation of the
net considerations, the parties will act in good faith to reach
an agreement as to the correct amount by July 1. If the Company
and North American Re 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.
IN WITNESS WHEREOF, the Company and North American Re have caused their names to
be subscribed and duly attested hereunder by their respective Authorized
Officers.
THE LIFE INSURANCE COMPANY OF VIRGINIA
By /s/ Illegible 2nd V. P.
--------------------, ---------------
Authorized Officer Title
Attest:
By /s/ Illegible Illegible
--------------------, -----------
Authorized Officer Title
Date: July 2, 1993
NORTH AMERICAN REASSURANCE COMPANY
By /s/ Illegible V.P.
--------------------, --------------
Authorized Officer Title
Attest:
By /s/ Illegible Asst Vice President
--------------------, -------------------
Authorized Officer Title
Date: May 20, 1993
6/30/93
TLevel 10
MALE NONSMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS
NONREENTRANT MORTALITY YEARS 11+
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
-- ----- ------ ------ ------ ------ ------ ------ ------ ------
20 0.732 0.823 0.830 0.814 0.801 0.749 0.747 0.730 0.732
21 0.680 0.750 0.778 0.769 0.758 0.721 0.749 0.755 0.790
22 0.594 0.663 0.697 0.685 0.675 0.660 0.670 0.681 0.712
23 0.528 0.584 0.619 0.608 0.609 0.596 0.609 0.619 0.654
24 0.458 0.506 0.540 0.546 0.548 0.546 0.551 0.572 0.614
25 0.408 0.447 0.487 0.494 0.512 0.511 0.526 0.555 0.599
26 0.377 0.417 0.451 0.467 0.490 0.506 0.529 0.561 0.612
27 0.368 0.396 0.431 0.453 0.485 0.515 0.548 0.587 0.656
28 0.366 0.395 0.424 0.455 0.495 0.533 0.573 0.636 0.705
29 0.377 0.401 0.432 0.470 0.518 0.565 0.629 0.692 0.783
30 0.384 0.415 0.453 0.488 0.543 0.611 0.670 0.759 0.862
31 0.388 0.430 0.464 0.510 0.575 0.643 0.725 0.812 0.937
32 0.392 0.436 0.481 0.536 0.600 0.685 0.776 0.879 1.009
33 0.384 0.438 0.496 0.555 0.640 0.729 0.834 0.943 1.083
34 0.367 0.437 0.498 0.575 0.667 0.768 0.877 0.997 1.146
35 0.370 0.445 0.526 0.616 0.717 0.829 0.948 1.084 1.248
36 0.373 0.471 0.566 0.670 0.788 0.912 1.053 1.201 1.372
37 0.394 0.503 0.617 0.737 0.870 1.011 1.165 1.328 1.523
38 0.423 0.550 0.683 0.817 0.968 1.120 1.285 1.477 1.701
39 0.460 0.612 0.760 0.909 1.071 1.239 1.428 1.646 1.898
40 0.506 0.680 0.847 1.015 1.184 1.370 1.590 1.830 2.109
41 0.552 0.750 0.945 1.122 1.313 1.525 1.758 2.022 2.339
42 0.600 0.825 1.034 1.236 1.456 1.686 1.943 2.232 2.582
43 0.649 0.893 1.130 1.358 1.600 1.854 2.131 2.446 2.819
44 0.695 0.966 1.234 1.486 1.746 2.025 2.327 2.663 3.074
45 0.750 1.051 1.342 1.625 1.909 2.213 2.541 2.912 3.348
46 0.810 1.136 1.457 1.775 2.098 2.428 2.796 3.195 3.680
47 0.871 1.236 1.593 1.947 2.318 2.692 3.085 3.530 4.110
48 0.932 1.346 1.749 2.144 2.587 3.006 3.445 3.951 4.619
49 0.999 1.468 1.921 2.379 2.881 3.365 3.881 4.449 5.182
50 1.068 1.606 2.120 2.628 3.194 3.764 4.358 4.996 5.768
51 1.142 1.758 2.334 2.896 3.531 4.182 4.850 5.552 6.403
52 1.227 1.920 2.559 3.184 3.873 4.592 5.325 6.118 7.041
53 1.316 2.088 2.799 3.473 4.217 4.972 5.783 6.647 7.670
54 1.419 2.271 3.046 3.770 4.555 5.359 6.217 7.151 8.295
55 1.534 2.476 3.322 4.088 4.930 5.764 6.659 7.660 8.951
56 1.672 2.707 3.627 4.464 5.338 6.199 7.150 8.230 9.641
57 1.840 2.978 4.000 4.897 5.793 6.711 7.736 8.893 10.374
58 2.036 3.317 4.445 5.404 6.354 7.353 8.456 9.676 11.209
59 2.279 3.712 4.956 5.995 7.038 8.128 9.303 10.581 12.206
60 2.554 4.151 5.523 6.659 7.832 9.001 10.256 11.604 13.349
61 2.872 4.623 6.129 7.391 8.683 9.943 11.289 12.727 14.618
62 3.230 5.115 6.756 8.166 9.554 10.929 12.379 13.942 16.007
63 3.633 5.686 7.453 8.978 10.442 11.913 13.475 15.189 17.450
64 4.089 6.355 8.243 9.829 11.364 12.928 14.608 16.473 18.994
65 4.595 7.065 9.084 10.707 12.345 14.026 15.841 17.935 20.756
66 5.145 7.770 9.903 11.606 13.402 15.250 17.293 19.677 22.882
67 5.758 8.409 10.634 12.523 14.551 16.677 19.038 21.831 25.464
68 6.424 8.999 11.305 13.441 15.816 18.346 21.197 24.483 28.681
69 7.152 9.594 11.966 14.387 17.193 20.290 23.742 27.691 32.550
70 7.939 10.167 12.623 15.342 18.684 22.436 26.677 31.422 37.038
x [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
-- ------ ------ ------- ------- ------- ------- -------
20 0.742 1.166 1.158 1.105 1.071 0.992 1.690 35
21 0.819 1.371 1.291 1.216 1.134 1.052 1.770 36
22 0.754 1.259 1.172 1.125 1.092 1.016 1.880 37
23 0.704 1.181 1.111 1.112 1.084 1.018 2.000 38
24 0.664 1.170 1.112 1.118 1.128 1.076 2.140 39
25 0.656 1.191 1.153 1.193 1.204 1.163 2.290 40
26 0.686 1.262 1.266 1.280 1.306 1.278 2.470 41
27 0.730 1.387 1.383 1.403 1.430 1.409 2.650 42
28 0.800 1.513 1.504 1.507 1.544 1.522 2.860 43
29 0.891 1.703 1.654 1.653 1.675 1.660 3.070 44
30 0.982 1.874 1.812 1.793 1.806 1.796 3.320 45
31 1.063 2.033 1.965 1.930 1.950 1.963 3.590 46
32 1.151 2.211 2.140 2.105 2.146 2.190 3.880 47
33 1.240 2.400 2.324 2.329 2.418 2.492 4.190 48
34 1.309 2.543 2.504 2.571 2.708 2.837 4.540 49
35 1.415 2.793 2.795 2.896 3.076 3.258 4.910 50
36 1.564 3.145 3.164 3.302 3.521 3.734 5.350 51
37 1.744 3.547 3.567 3.723 3.980 4.221 5.860 52
38 1.945 3.992 4.000 4.147 4.436 4.736 6.430 53
39 2.164 4.488 4.462 4.606 4.935 5.274 7.090 54
40 2.412 4.910 4.960 5.123 5.461 5.889 7.820 55
41 2.674 5.350 5.560 5.694 6.091 6.629 8.630 56
42 2.955 5.860 6.235 6.390 6.860 7.514 9.490 57
43 3.267 6.430 7.022 7.252 7.799 8.561 10.420 58
44 3.583 7.090 7.820 8.260 8.913 9.764 11.470 59
45 3.937 7.820 8.630 9.391 10.161 11.204 12.640 60
46 4.344 8.630 9.490 10.420 11.470 12.640 13.940 61
47 4.820 9.490 10.420 11.470 12.640 13.940 15.420 62
48 5.366 10.420 11.470 12.640 13.940 15.420 17.110 63
49 5.973 11.470 12.640 13.940 15.420 17.110 19.020 64
50 6.653 12.640 13.940 15.420 17.110 19.020 21.130 65
51 7.368 13.940 15.420 17.110 19.020 21.130 23.400 66
52 8.098 15.420 17.110 19.020 21.130 23.400 25.860 67
53 8.833 17.110 19.020 21.130 23.400 25.860 28.500 68
54 9.596 19.020 21.130 23.400 25.860 28.500 31.380 69
55 10.404 21.130 23.400 25.860 28.500 31.380 34.630 70
56 11.263 23.400 25.860 28.500 31.380 34.630 38.310 71
57 12.204 25.860 28.500 31.380 34.630 38.310 42.560 72
58 13.247 28.500 31.380 34.630 38.310 42.560 47.440 73
59 14.405 31.380 34.630 38.310 42.560 47.440 52.920 74
60 15.690 34.354 38.310 42.560 47.440 52.920 58.800 75
61 17.116 37.468 42.560 47.440 52.920 58.800 65.060 76
62 18.698 40.838 47.440 52.920 58.800 65.060 71.640 77
63 20.393 44.606 52.920 58.800 65.060 71.640 78.470 78
64 22.214 49.005 58.745 65.060 71.640 78.470 85.720 79
65 24.320 54.332 65.060 71.640 78.470 85.720 93.670 80
66 26.784 60.956 71.640 78.470 85.720 93.670 102.520 81
67 29.804 69.081 78.470 85.720 93.670 102.520 112.520 82
68 33.524 78.470 85.720 93.670 102.520 112.520 123.790 83
69 37.964 85.720 93.670 102.520 112.520 123.790 136.110 84
70 43.071 93.670 102.520 112.520 123.790 136.110 149.200 85
6/30/93
TLevel 10
MALE PREFERRED NONSMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS
NONREENTRANT MORTALITY YEARS 11+
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
-- ----- ----- ----- ----- ------ ------ ------ ------ ------
20 0.542 0.422 0.456 0.448 0.448 0.431 0.441 0.444 0.455
21 0.349 0.385 0.427 0.423 0.424 0.415 0.442 0.459 0.490
22 0.305 0.340 0.383 0.376 0.378 0.380 0.395 0.414 0.442
23 0.271 0.300 0.340 0.334 0.341 0.343 0.359 0.376 0.406
24 0.235 0.260 0.297 0.300 0.306 0.314 0.325 0.348 0.381
25 0.209 0.229 0.268 0.272 0.286 0.294 0.311 0.338 0.372
26 0.194 0.214 0.248 0.257 0.274 0.291 0.313 0.341 0.380
27 0.189 0.203 0.237 0.249 0.272 0.296 0.323 0.357 0.408
28 0.188 0.203 0.233 0.250 0.277 0.306 0.338 0.387 0.438
29 0.194 0.206 0.238 0.259 0.290 0.325 0.371 0.421 0.486
30 0.197 0.213 0.249 0.268 0.304 0.351 0.396 0.461 0.535
31 0.199 0.221 0.255 0.281 0.322 0.369 0.428 0.494 0.582
32 0.201 0.224 0.264 0.294 0.336 0.393 0.458 0.534 0.627
33 0.197 0.225 0.273 0.305 0.358 0.419 0.493 0.573 0.672
34 0.188 0.224 0.274 0.316 0.373 0.441 0.518 0.606 0.711
35 0.190 0.229 0.289 0.339 0.401 0.476 0.560 0.659 0.775
36 0.191 0.242 0.311 0.368 0.441 0.524 0.622 0.730 0.852
37 0.202 0.258 0.339 0.405 0.487 0.581 0.688 0.807 0.946
38 0.217 0.282 0.376 0.449 0.542 0.644 0.759 0.898 1.056
39 0.236 0.314 0.418 0.500 0.599 0.712 0.843 1.001 1.179
40 0.260 0.349 0.466 0.558 0.662 0.788 0.939 1.113 1.310
41 0.283 0.385 0.519 0.617 0.735 0.877 1.038 1.230 1.452
42 0.308 0.424 0.568 0.679 0.815 0.969 1.147 1.358 1.603
43 0.333 0.458 0.621 0.747 0.895 1.065 1.258 1.487 1.750
44 0.___ 0.496 0.678 0.817 0.977 1.164 1.374 1.619 1.909
45 0.385 0.539 0.738 0.893 1.068 1.272 1.500 1.771 2.079
46 0.416 0.583 0.801 0.976 1.174 1.395 1.651 1.943 2.285
47 0.447 0.634 0.876 1.070 1.297 1.547 1.822 2.147 2.552
48 0.478 0.691 0.961 1.179 1.448 1.727 2.034 2.402 2.868
49 0.513 0.753 1.056 1.308 1.612 1.934 2.292 2.705 3.218
50 0.548 0.824 1.166 1.445 1.787 2.163 2.573 3.038 3.582
51 0.586 0.902 1.283 1.592 1.976 2.403 2.864 3.376 3.976
52 0.630 0.985 1.407 1.751 2.167 2.639 3.144 3.720 4.372
53 0.676 1.071 1.539 1.909 2.360 2.858 3.414 4.042 4.763
54 0.728 1.165 1.675 2.073 2.549 3.080 3.670 4.348 5.151
55 0.787 1.270 1.826 2.247 2.758 3.313 3.931 4.658 5.558
56 0.858 1.389 1.994 2.454 2.987 3.563 4.221 5.005 5.987
57 0.944 1.528 2.199 2.692 3.242 3.857 4.568 5.408 6.442
58 1.045 1.702 2.444 2.971 3.555 4.226 4.993 5.884 6.960
59 1.169 1.905 2.725 3.296 3.938 4.671 5.493 6.434 7.580
60 1.311 2.130 3.036 3.661 4.382 5.173 6.055 7.056 8.290
61 1.474 2.372 3.370 4.063 4.858 5.714 6.665 7.739 9.078
62 1.658 2.625 3.715 4.490 5.346 6.281 7.308 8.478 9.940
63 1.864 2.918 4.098 4.936 5.843 6.846 7.956 9.236 10.836
64 2.098 3.261 4.532 5.404 6.358 7.429 8.624 10.017 11.794
65 2.358 3.625 4.994 5.886 6.907 8.061 9.352 10.906 12.889
66 2.640 3.987 5.444 6.381 7.499 8.764 10.210 11.965 14.209
67 2.954 4.315 5.846 6.885 8.142 9.584 11.240 13.275 15.812
68 3.296 4.618 6.215 7.390 8.850 10.543 12.515 14.887 17.810
69 3.670 4.923 6.579 7.910 9.620 11.660 14.017 16.839 20.212
70 4.073 5.217 6.940 8.435 10.455 12.894 15.751 19.107 22.999
x [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
-- ------ ------ ------ ------- ------- ------- -------
20 0.472 0.846 0.881 0.865 0.887 0.876 1.690 35
21 0.521 0.981 0.974 0.945 0.937 0.928 1.770 36
22 0.480 0.908 0.895 0.886 0.914 0.908 1.880 37
23 0.448 0.855 0.855 0.879 0.913 0.921 2.000 38
24 0.423 0.844 0.855 0.884 0.950 0.971 2.140 39
25 0.417 0.859 0.885 0.942 1.014 1.048 2.290 40
26 0.437 0.906 0.968 1.011 1.100 1.152 2.470 41
27 0.465 0.992 1.054 1.108 1.205 1.270 2.650 42
28 0.509 1.081 1.147 1.194 1.307 1.380 2.860 43
29 0.567 1.213 1.263 1.312 1.424 1.509 3.070 44
30 0.625 1.335 1.386 1.429 1.544 1.639 3.320 45
31 0.677 1.449 1.506 1.545 1.674 1.797 3.590 46
32 0.732 1.576 1.642 1.686 1.842 2.002 3.880 47
33 0.789 1.710 1.783 1.862 2.067 2.264 4.190 48
34 0.833 1.814 1.922 2.053 2.306 2.557 4.540 49
35 0.901 1.989 2.138 2.302 2.604 2.911 4.910 50
36 0.996 2.232 2.408 2.609 2.960 3.313 5.350 51
37 1.110 2.508 2.703 2.930 3.331 3.732 5.860 52
38 1.238 2.813 3.022 3.259 3.706 4.183 6.430 53
39 1.377 3.152 3.363 3.614 4.122 4.659 7.090 54
40 1.535 3.528 3.732 4.017 4.561 5.198 7.820 55
41 1.702 3.940 4.173 4.459 5.078 5.834 8.630 56
42 1.881 4.417 4.667 4.992 5.701 6.580 9.490 57
43 2.079 4.924 5.238 5.642 6.444 7.445 10.420 58
44 2.280 5.484 5.897 6.395 7.315 8.424 11.470 59
45 2.506 6.123 6.629 7.239 8.286 9.586 12.640 60
46 2.765 6.811 7.424 8.153 9.396 10.879 13.940 61
47 3.068 7.574 8.271 9.165 10.605 12.311 15.420 62
48 3.415 8.393 9.201 10.219 11.877 13.867 17.110 63
49 3.801 9.325 10.183 11.318 13.245 15.548 19.020 64
50 4.235 10.305 11.218 12.498 14.712 17.366 21.130 65
51 4.689 11.360 12.422 13.925 16.545 19.686 23.400 66
52 5.154 12.507 13.832 15.693 18.807 22.657 25.860 67
53 5.622 13.663 15.244 17.415 20.991 25.530 28.500 68
54 6.108 14.909 16.827 19.434 23.692 28.500 31.380 69
55 6.622 16.182 18.435 21.471 26.379 31.380 34.630 70
56 7.169 17.557 20.247 23.788 29.432 34.630 38.310 71
57 7.767 18.997 22.187 26.252 32.543 38.310 42.560 72
58 8.431 20.556 24.362 29.073 36.095 42.560 47.440 73
59 9.168 22.316 26.911 32.508 40.660 47.440 52.920 74
60 9.986 24.190 29.578 36.054 45.267 52.920 58.800 75
61 10.894 26.396 32.459 39.894 50.624 58.800 65.060 76
62 11.901 28.787 35.463 43.823 55.800 65.060 71.640 77
63 12.980 31.453 39.012 48.507 62.286 71.640 78.470 78
64 14.139 34.510 43.029 53.964 69.849 78.470 85.720 79
65 15.479 38.138 47.867 60.471 78.470 85.720 93.670 80
66 17.047 42.591 53.705 68.214 85.720 93.670 102.520 81
67 18.970 48.030 60.664 77.241 93.670 102.520 112.520 82
68 21.338 54.459 68.648 87.366 102.520 112.520 123.790 83
69 24.163 61.800 77.625 98.484 112.520 123.790 136.110 84
70 27.414 70.329 87.976 111.247 123.790 136.110 149.200 85
6/30/93
TLevel 10
MALE SMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS
NONREENTRANT MORTALITY YEARS 11+
X [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ------ ------ ------ ------ ------ ------ ------ ------
20 0.732 1.359 1.469 1.462 1.476 1.423 1.425 1.409
21 1.060 1.257 1.396 1.402 1.426 1.396 1.462 1.497
22 0.941 1.128 1.272 1.275 1.294 1.309 1.342 1.389
23 0.847 1.009 1.153 1.153 1.196 1.212 1.256 1.322
24 0.747 0.894 1.023 1.061 1.103 1.144 1.190 1.260
25 0.679 0.803 0.946 0.985 1.062 1.120 1.172 1.248
26 0.640 0.768 0.898 0.958 1.064 1.143 1.204 1.294
27 0.639 0.747 0.884 0.973 1.087 1.188 1.277 1.385
28 0.653 0.768 0.911 1.007 1.130 1.261 1.367 1.507
29 0.693 0.816 0.957 1.063 1.216 1.367 1.507 1.675
30 0.738 0.871 1.024 1.132 1.302 1.487 1.640 1.852
31 0.768 0.922 1.077 1.211 1.386 1.596 1.790 2.015
32 0.794 0.958 1.141 1.277 1.476 1.715 1.947 2.201
33 0.797 0.984 1.183 1.351 1.589 1.854 2.114 2.396
34 0.779 0.987 1.214 1.413 1.683 1.974 2.255 2.566
35 0.790 1.027 1.291 1.536 1.826 2.162 2.467 2.813
36 0.812 1.097 1.413 1.689 2.038 2.407 2.764 3.139
37 0.867 1.190 1.554 1.883 2.276 2.691 3.078 3.505
38 0.943 1.312 1.747 2.115 2.553 3.004 3.432 3.920
39 1.038 1.483 1.966 2.373 2.846 3.358 3.833 4.348
40 1.157 1.668 2.211 2.669 3.178 3.734 4.248 4.816
41 1.279 1.855 2.483 2.980 3.544 4.136 4.679 5.301
42 1.402 2.056 2.746 3.300 3.911 4.554 5.150 5.829
43 1.526 2.247 3.017 3.610 4.281 4.987 5.628 6.348
44 1.652 2.445 3.278 3.934 4.654 5.426 6.108 6.858
45 1.793 2.646 3.553 4.284 5.069 5.893 6.618 7.398
46 1.927 2.849 3.843 4.663 5.536 6.415 7.183 8.026
47 2.063 3.086 4.183 5.082 6.070 7.019 7.837 8.751
48 2.200 3.350 4.565 5.554 6.683 7.748 8.638 9.631
49 2.349 3.630 4.977 6.079 7.357 8.562 9.568 10.655
50 2.494 3.940 5.419 6.640 8.053 9.417 10.554 11.744
51 2.646 4.257 5.896 7.222 8.751 10.277 11.531 12.834
52 2.806 4.596 6.382 7.808 9.432 11.079 12.446 13.807
53 2.976 4.933 6.862 8.365 10.080 11.795 13.197 14.658
54 3.167 5.276 7.337 8.916 10.707 12.412 13.864 15.455
55 3.364 5.649 7.855 9.504 11.312 13.046 14.553 16.229
56 3.603 6.064 8.434 10.134 11.970 13.750 15.319 17.095
57 3.893 6.559 9.080 10.862 12.732 14.593 16.249 18.088
58 4.236 7.133 9.861 11.748 13.688 15.673 17.393 19.276
59 4.629 7.802 10.774 12.776 14.863 16.966 18.743 20.634
60 5.070 8.550 11.771 13.912 16.197 18.403 20.225 22.141
61 5.587 9.335 12.806 15.121 17.588 19.899 21.783 23.737
62 6.160 10.125 13.824 16.365 18.944 21.400 23.346 25.413
63 6.791 11.021 14.936 17.611 20.259 22.802 24.838 27.043
64 7.485 12.064 16.170 18.865 21.550 24.182 26.301 28.632
65 8.239 13.129 17.434 20.086 22.880 25.628 27.841 30.410
66 9.031 14.128 18.578 21.279 24.263 27.200 29.652 32.534
67 9.888 14.946 19.497 22.429 25.715 29.019 31.832 35.169
68 10.783 15.631 20.246 23.499 27.268 31.129 34.532 38.665
69 11.733 16.278 20.920 24.538 28.905 33.543 37.915 42.846
70 12.721 16.839 21.530 25.516 30.606 36.362 41.741 47.621
X [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
-- ------ ------ ------- ------- ------- ------- ------- -------
20 1.424 1.466 2.100 2.170 2.240 2.350 2.242 2.630 35
21 1.581 1.693 2.170 2.240 2.350 2.480 2.390 2.810 36
22 1.493 1.607 2.240 2.350 2.480 2.492 2.351 3.040 37
23 1.412 1.531 2.350 2.480 2.527 2.524 2.371 3.300 38
24 1.355 1.482 2.480 2.601 2.596 2.651 2.548 3.600 39
25 1.355 1.496 2.630 2.754 2.793 2.873 2.783 3.940 40
26 1.417 1.575 2.810 3.040 3.044 3.150 3.104 4.340 41
27 1.527 1.711 3.040 3.300 3.374 3.497 3.463 4.750 42
28 1.675 1.891 3.300 3.600 3.672 3.822 3.770 5.220 43
29 1.877 2.139 3.600 3.940 4.076 4.179 4.138 5.710 44
30 2.097 2.380 3.940 4.340 4.458 4.536 4.521 6.270 45
31 2.303 2.615 4.340 4.750 4.831 4.946 4.967 6.830 46
32 2.518 2.865 4.750 5.220 5.323 5.473 5.515 7.440 47
33 2.734 3.115 5.220 5.710 5.926 6.142 6.261 8.080 48
34 2.918 3.311 5.710 6.270 6.511 6.857 7.112 8.800 49
35 3.200 3.616 6.270 6.830 7.315 7.767 8.152 9.560 50
36 3.555 4.020 6.830 7.440 8.080 8.800 9.302 10.440 51
37 3.970 4.460 7.440 8.080 8.800 9.560 10.440 11.420 52
38 4.410 4.954 8.080 8.800 9.560 10.440 11.420 12.540 53
39 4.904 5.489 8.800 9.560 10.440 11.420 12.540 13.800 54
40 5.427 6.094 9.560 10.440 11.420 12.540 13.800 15.140 55
41 5.994 6.715 10.440 11.420 12.540 13.800 15.140 16.590 56
42 6.576 7.364 11.420 12.540 13.800 15.140 16.590 18.090 57
43 7.124 8.031 12.540 13.800 15.140 16.590 18.090 19.690 58
44 7.664 8.709 13.800 15.140 16.590 18.090 19.690 21.350 59
45 8.254 9.446 15.140 16.590 18.090 19.690 21.350 23.190 60
46 8.954 10.249 16.590 18.090 19.690 21.350 23.190 25.260 61
47 9.833 11.170 18.090 19.690 21.350 23.190 25.260 27.590 62
48 10.856 12.208 19.690 21.350 23.190 25.260 27.590 30.230 63
49 11.957 13.360 21.350 23.190 25.260 27.590 30.230 33.140 64
50 13.085 14.530 23.190 25.260 27.590 30.230 33.140 36.290 65
51 14.181 15.725 25.260 27.590 30.230 33.140 36.290 39.570 66
52 15.241 16.938 27.590 30.230 33.140 36.290 39.570 43.010 67
53 16.271 18.112 30.230 33.140 36.290 39.570 43.010 46.550 68
54 17.251 19.288 33.140 36.290 39.570 43.010 46.550 50.320 69
55 18.247 20.479 36.290 39.570 43.010 46.550 50.320 54.480 70
56 19.247 21.715 39.570 43.010 46.550 50.320 54.480 59.090 71
57 20.283 23.031 43.010 46.550 50.320 54.480 59.090 64.330 72
58 21.453 24.461 46.550 50.320 54.480 59.090 64.330 70.230 73
59 22.859 26.000 50.320 54.480 59.090 64.330 70.230 76.660 74
60 24.436 27.676 54.480 59.090 64.330 70.230 76.660 83.770 75
61 26.152 29.491 59.090 64.330 70.230 76.660 83.770 91.100 76
62 27.971 31.450 64.330 70.230 76.660 83.770 91.100 98.520 77
63 29.766 33.463 70.230 76.660 83.770 91.100 98.520 105.910 78
64 31.609 35.544 76.660 83.770 91.100 98.520 105.910 113.490 79
65 33.682 37.915 83.770 91.100 98.520 105.910 113.490 121.590 80
66 36.179 40.935 91.100 98.520 105.910 113.490 121.590 130.410 81
67 39.468 44.627 98.520 105.910 113.490 121.590 130.410 140.200 82
68 43.554 49.168 105.910 113.490 121.590 130.410 140.200 151.030 83
69 48.415 54.508 113.490 121.590 130.410 140.200 151.030 162.490 84
70 53.933 60.517 121.590 130.410 140.200 151.030 162.490 174.200 85
6/30/93
TLevel 10
MALE PREFERRED SMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS
NONREENTRANT MORTALITY YEARS 11+
X [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ----- ----- ------ ------ ------ ------ ------ ------
20 0.659 0.745 0.763 0.759 0.762 0.738 0.761 0.775
21 0.616 0.690 0.725 0.728 0.736 0.724 0.781 0.823
22 0.546 0.619 0.661 0.663 0.668 0.678 0.717 0.764
23 0.492 0.553 0.599 0.599 0.618 0.628 0.671 0.727
24 0.434 0.490 0.532 0.551 0.570 0.593 0.636 0.693
25 0.394 0.441 0.492 0.512 0.548 0.581 0.626 0.687
26 0.372 0.421 0.467 0.498 0.550 0.592 0.643 0.712
27 0.371 0.410 0.459 0.506 0.561 0.616 0.682 0.762
28 0.379 0.421 0.473 0.523 0.584 0.654 0.730 0.829
29 0.402 0.447 0.497 0.552 0.628 0.709 0.805 0.922
30 0.429 0.478 0.532 0.588 0.672 0.771 0.876 1.019
31 0.446 0.505 0.559 0.629 0.716 0.827 0.956 1.109
32 0.461 0.526 0.593 0.664 0.762 0.889 1.040 1.211
33 0.463 0.540 0.614 0.702 0.820 0.961 1.129 1.318
34 0.453 0.541 0.630 0.734 0.869 1.023 1.205 1.412
35 0.458 0.563 0.671 0.798 0.943 1.121 1.318 1.548
36 0.471 0.601 0.734 0.878 1.052 1.248 1.477 1.727
37 0.503 0.652 0.807 0.978 1.175 1.395 1.644 1.929
38 0.548 0.720 0.908 1.099 1.318 1.558 1.833 2.157
39 0.603 0.813 1.022 1.233 1.469 1.741 2.048 2.392
40 0.672 0.915 1.149 1.386 1.641 1.936 2.269 2.650
41 0.742 1.017 1.290 1.548 1.830 2.144 2.499 2.917
42 0.814 1.127 1.427 1.714 2.020 2.361 2.751 3.207
43 0.886 1.232 1.567 1.875 2.211 2.585 3.006 3.493
44 0.959 1.341 1.703 2.044 2.403 2.813 3.263 3.773
45 1.041 1.451 1.846 2.226 2.617 3.055 3.535 4.071
46 1.119 1.562 1.996 2.423 2.858 3.326 3.837 4.416
47 1.198 1.693 2.173 2.640 3.134 3.639 4.186 4.815
48 1.277 1.837 2.372 2.885 3.451 4.017 4.614 5.299
49 1.364 1.991 2.585 3.158 3.799 4.439 5.111 5.862
50 1.448 2.161 2.815 3.450 4.158 4.882 5.638 6.462
51 1.536 2.334 3.063 3.752 4.518 5.328 6.160 7.061
52 1.629 2.520 3.316 4.056 4.870 5.743 6.649 7.597
53 1.728 2.705 3.565 4.346 5.205 6.115 7.050 8.065
54 1.839 2.893 3.812 4.632 5.528 6.434 7.406 8.504
55 1.954 3.098 4.081 4.938 5.841 6.763 7.774 8.929
56 2.092 3.325 4.381 5.265 6.181 7.128 8.183 9.406
57 2.260 3.597 4.717 5.643 6.574 7.565 8.680 9.952
58 2.460 3.912 5.123 6.104 7.068 8.125 9.291 10.606
59 2.688 4.278 5.597 6.638 7.674 8.795 10.012 11.353
60 2.944 4.689 6.115 7.228 8.363 9.540 10.804 12.182
61 3.244 5.119 6.653 7.856 9.081 10.316 11.636 13.060
62 3.577 5.552 7.182 8.502 9.781 11.094 12.472 13.982
63 3.943 6.044 7.760 9.150 10.460 11.820 13.269 14.879
64 4.346 6.616 8.400 9.801 11.127 12.536 14.050 15.753
65 4.784 7.200 9.057 10.435 11.813 13.286 14.873 16.732
66 5.244 7.747 9.652 11.055 12.528 14.100 15.840 17.900
67 5.741 8.196 10.129 11.652 13.278 15.044 17.004 19.350
68 6.261 8.572 10.519 12.209 14.079 16.138 18.447 21.273
69 6.812 8.927 10.868 12.748 14.924 17.389 20.254 23.574
70 7.386 9.234 11.185 13.256 15.803 18.850 22.298 26.201
X [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
-- ------ ------ ------ ------- ------- ------- ------- -------
20 0.806 0.853 1.540 1.677 1.752 1.869 1.927 2.630 35
21 0.895 0.986 1.852 1.900 1.965 2.021 2.054 2.810 36
22 0.845 0.936 1.745 1.783 1.879 1.978 2.051 3.040 37
23 0.799 0.891 1.683 1.736 1.874 2.016 2.096 3.300 38
24 0.767 0.863 1.701 1.746 1.925 2.116 2.246 3.600 39
25 0.767 0.871 1.740 1.846 2.069 2.295 2.450 3.940 40
26 0.802 0.917 1.878 2.039 2.255 2.517 2.733 4.340 41
27 0.864 0.996 2.078 2.259 2.498 2.796 3.050 4.750 42
28 0.948 1.101 2.301 2.483 2.730 3.070 3.342 5.220 43
29 1.062 1.246 2.614 2.773 3.035 3.370 3.681 5.710 44
30 1.187 1.386 2.916 3.077 3.331 3.681 4.041 6.270 45
31 1.303 1.523 3.204 3.371 3.627 4.030 4.455 6.830 46
32 1.425 1.668 3.513 3.700 3.999 4.460 4.941 7.440 47
33 1.547 1.813 3.841 4.059 4.444 4.984 5.567 8.080 48
34 1.651 1.928 4.115 4.399 4.875 5.542 6.266 8.800 49
35 1.811 2.105 4.541 4.878 5.451 6.238 7.110 9.560 50
36 2.011 2.340 5.079 5.482 6.159 7.069 8.046 10.440 51
37 2.246 2.597 5.695 6.141 6.897 7.913 8.999 11.420 52
38 2.495 2.884 6.372 6.847 7.626 8.742 9.958 12.540 53
39 2.775 3.196 7.123 7.581 8.397 9.596 10.972 13.800 54
40 3.070 3.549 7.937 8.355 9.211 10.502 12.088 15.140 55
41 3.391 3.910 8.808 9.227 10.114 11.549 13.351 16.590 56
42 3.721 4.288 9.753 10.214 11.184 12.759 14.807 18.090 57
43 4.031 4.676 10.762 11.333 12.441 14.187 16.465 19.690 58
44 4.336 5.071 11.842 12.565 13.870 15.831 18.342 21.350 59
45 4.670 5.500 13.010 13.897 15.430 17.657 20.409 23.190 60
46 5.066 5.967 14.227 15.295 17.105 19.575 22.667 25.260 61
47 5.563 6.504 15.534 16.765 18.788 21.616 25.176 27.590 62
48 6.142 7.108 16.926 18.212 20.481 23.747 27.590 30.230 63
49 6.766 7.779 18.356 19.694 22.237 25.978 30.230 33.140 64
50 7.404 8.460 19.816 21.254 24.078 28.305 33.140 36.290 65
51 8.024 9.156 21.399 23.070 26.309 31.200 36.290 39.570 66
52 8.624 9.862 23.082 25.193 29.061 34.785 39.570 43.010 67
53 9.206 10.546 24.697 27.185 31.601 38.041 43.010 46.550 68
54 9.761 11.231 26.368 29.379 34.537 42.059 46.550 50.320 69
55 10.324 11.924 28.001 31.492 37.344 45.818 50.320 54.480 70
56 10.890 12.644 29.709 33.839 40.465 50.016 54.480 59.090 71
57 11.477 13.410 31.419 36.266 43.675 54.078 59.090 64.330 72
58 12.139 14.242 33.197 38.957 47.290 58.624 64.330 70.230 73
59 12.934 15.139 35.191 42.092 51.680 64.330 70.230 76.660 74
60 13.826 16.115 37.229 45.220 55.976 70.160 76.660 83.770 75
61 14.797 17.171 39.646 48.409 60.412 76.510 83.770 91.100 76
62 15.827 18.312 42.170 51.560 64.661 82.702 91.100 98.520 77
63 16.842 19.484 44.922 55.267 70.177 90.523 98.520 105.910 78
64 17.885 20.696 48.053 59.807 76.552 98.520 105.910 113.490 79
65 19.058 22.076 52.140 65.313 84.152 105.910 113.490 121.590 80
66 20.471 23.834 57.175 71.965 93.123 113.490 121.590 130.410 81
67 22.332 25.985 63.303 79.805 103.422 121.590 130.410 140.200 82
68 24.644 28.628 70.395 88.559 114.639 130.410 140.200 151.030 83
69 27.394 31.738 78.259 98.073 126.476 140.200 151.030 162.490 84
70 30.516 35.237 87.225 108.797 139.786 151.030 162.490 174.200 85
6/30/93
TLevel 10
FEMALE NONSMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS
NONREENTRANT MORTALITY YEARS 11+
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9
-- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------
20 0.362 0.430 0.441 0.437 0.435 0.416 0.423 0.420 0.431 0.445
21 0.379 0.418 0.431 0.426 0.421 0.403 0.418 0.425 0.444 0.464
22 0.361 0.402 0.421 0.416 0.412 0.402 0.411 0.417 0.440 0.467
23 0.353 0.390 0.415 0.410 0.410 0.404 0.412 0.423 0.447 0.480
24 0.338 0.376 0.403 0.407 0.411 0.410 0.417 0.433 0.464 0.505
25 0.329 0.362 0.394 0.403 0.417 0.420 0.433 0.456 0.494 0.542
26 0.314 0.346 0.377 0.390 0.413 0.426 0.445 0.475 0.519 0.579
27 0.314 0.340 0.370 0.393 0.421 0.446 0.477 0.513 0.570 0.641
28 0.319 0.344 0.373 0.400 0.434 0.470 0.507 0.559 0.627 0.710
29 0.329 0.352 0.380 0.413 0.458 0.500 0.553 0.616 0.695 0.793
30 0.342 0.370 0.403 0.436 0.487 0.545 0.604 0.682 0.777 0.885
31 0.349 0.387 0.420 0.463 0.518 0.586 0.659 0.740 0.854 0.971
32 0.351 0.392 0.434 0.481 0.544 0.619 0.704 0.797 0.917 1.045
33 0.344 0.393 0.443 0.501 0.576 0.657 0.753 0.852 0.978 1.118
34 0.333 0.394 0.454 0.522 0.608 0.699 0.801 0.909 1.042 1.189
35 0.332 0.405 0.476 0.559 0.651 0.754 0.862 0.984 1.130 1.284
36 0.332 0.419 0.505 0.598 0.704 0.814 0.939 1.068 1.222 1.390
37 0.344 0.440 0.540 0.646 0.762 0.884 1.016 1.160 1.328 1.515
38 0.370 0.481 0.599 0.716 0.846 0.978 1.123 1.287 1.477 1.686
39 0.403 0.537 0.666 0.795 0.935 1.083 1.245 1.429 1.646 1.872
40 0.435 0.585 0.727 0.869 1.015 1.172 1.355 1.557 1.791 2.043
41 0.465 0.631 0.793 0.944 1.101 1.275 1.467 1.684 1.943 2.219
42 0.505 0.693 0.870 1.037 1.217 1.407 1.618 1.855 2.143 2.455
43 0.534 0.736 0.929 1.113 1.309 1.513 1.736 1.990 2.295 2.659
44 0.562 0.779 0.991 1.191 1.397 1.616 1.856 2.125 2.452 2.865
45 0.592 0.827 1.054 1.273 1.493 1.728 1.987 2.275 2.623 3.090
46 0.624 0.873 1.118 1.359 1.604 1.858 2.139 2.451 2.828 3.346
47 0.655 0.928 1.194 1.457 1.737 2.016 2.316 2.655 3.098 3.640
48 0.685 0.987 1.281 1.571 1.895 2.207 2.535 2.913 3.412 3.974
49 0.716 1.051 1.377 1.704 2.069 2.421 2.798 3.214 3.753 4.339
50 0.747 1.125 1.484 1.844 2.246 2.652 3.077 3.536 4.095 4.722
51 0.800 1.231 1.638 2.036 2.487 2.952 3.433 3.942 4.544 5.231
52 0.859 1.347 1.800 2.244 2.734 3.250 3.781 4.342 4.999 5.747
53 0.924 1.468 1.972 2.452 2.985 3.531 4.104 4.719 5.443 6.267
54 0.998 1.600 2.150 2.668 3.234 3.804 4.414 5.075 5.886 6.805
55 1.080 1.748 2.351 2.902 3.499 4.092 4.725 5.435 6.347 7.372
56 1.180 1.916 2.575 3.168 3.790 4.399 5.073 5.836 6.832 7.984
57 1.302 2.114 2.839 3.476 4.111 4.762 5.486 6.302 7.354 8.654
58 1.446 2.354 3.156 3.835 4.508 5.214 5.992 6.859 7.948 9.390
59 1.618 2.635 3.517 4.253 4.991 5.760 6.595 7.503 8.652 10.208
60 1.814 2.946 3.919 4.722 5.549 6.381 7.272 8.225 9.460 11.117
61 2.038 3.281 4.346 5.237 6.155 7.051 8.002 9.019 10.358 12.112
62 2.292 3.627 4.788 5.789 6.774 7.747 8.772 9.878 11.327 13.213
63 2.576 4.029 5.284 6.366 7.402 8.442 9.548 10.748 12.331 14.374
64 2.897 4.505 5.845 6.967 8.053 9.160 10.337 11.641 13.387 15.612
65 3.257 5.009 6.439 7.587 8.747 9.925 11.194 12.641 14.588 17.025
66 3.649 5.508 7.018 8.223 9.484 10.776 12.189 13.829 16.019 18.687
67 4.081 5.959 7.534 8.862 10.282 11.754 13.380 15.283 17.766 20.726
68 4.552 6.376 8.000 9.498 11.148 12.894 14.839 17.081 19.945 23.222
69 5.067 6.789 8.456 10.141 12.083 14.204 16.564 19.257 22.547 26.198
70 5.618 7.184 8.897 10.782 13.080 15.653 18.552 21.766 25.560 29.619
X [x)+10 [x)+11 [x]+12 [x]+13 [x)+14 ULT
-- ------ ------ ------ ------ ------- -------
20 0.559 0.561 0.534 0.524 0.478 1.470 35
21 0.619 0.590 0.575 0.553 0.526 1.560 36
22 0.647 0.613 0.608 0.609 0.594 1.670 37
23 0.713 0.674 0.682 0.686 0.652 1.790 38
24 0.827 0.780 0.801 0.814 0.784 1.930 39
25 0.944 0.922 0.953 0.966 0.933 2.080 40
26 1.056 1.053 1.064 1.084 1.058 2.260 41
27 1.210 1.204 1.215 1.230 1.200 2.440 42
28 1.345 1.329 1.322 1.339 1.299 2.620 43
29 1.515 1.463 1.448 1.449 1.414 2.800 44
30 1.708 1.642 1.609 1.599 1.569 2.990 45
31 1.890 1.818 1.770 1.770 1.750 3.190 46
32 2.031 1.947 1.894 1.892 1.881 3.410 47
33 2.202 2.126 2.106 2.147 2.170 3.650 48
34 2.379 2.329 2.362 2.446 2.511 3.900 49
35 2.603 2.581 2.637 2.741 2.831 4.190 50
36 2.863 2.858 2.938 3.066 3.174 4.500 51
37 3.159 3.151 3.239 3.392 3.519 4.850 52
38 3.549 3.521 3.588 3.751 3.891 5.260 53
39 3.900 3.954 4.034 4.229 4.416 5.680 54
40 4.190 4.314 4.398 4.602 4.843 6.130 55
41 4.500 4.737 4.822 5.081 5.422 6.590 56
42 4.850 5.260 5.414 5.726 6.147 7.050 57
43 5.260 5.680 6.048 6.433 6.960 7.490 58
44 5.680 6.130 6.590 7.050 7.490 7.960 59
45 6.130 6.590 7.050 7.490 7.960 8.510 60
46 6.590 7.050 7.490 7.960 8.510 9.160 61
47 7.050 7.490 7.960 8.510 9.160 9.980 62
48 7.490 7.960 8.510 9.160 9.980 11.010 63
49 7.960 8.510 9.160 9.980 11.010 12.230 64
50 8.510 9.160 9.980 11.010 12.230 13.550 65
51 9.160 9.980 11.010 12.230 13.550 14.970 66
52 9.980 11.010 12.230 13.550 14.970 16.410 67
53 11.010 12.230 13.550 14.970 16.410 17.860 68
54 12.230 13.550 14.970 16.410 17.860 19.410 69
55 13.550 14.970 16.410 17.860 19.410 21.200 70
56 14.970 16.410 17.860 19.410 21.200 23.340 71
57 16.410 17.860 19.410 21.200 23.340 25.990 72
58 17.860 19.410 21.200 23.340 25.990 29.220 73
59 19.410 21.200 23.340 25.990 29.220 33.220 74
60 21.200 23.340 25.990 29.220 33.220 37.320 75
61 23.340 25.990 29.220 33.220 37.320 42.040 76
62 25.990 29.220 33.220 37.320 42.040 47.110 77
63 29.220 33.220 37.320 42.040 47.110 52.530 78
64 33.220 37.320 42.040 47.110 52.530 58.450 79
65 37.320 42.040 47.110 52.530 58.450 65.120 80
66 42.040 47.110 52.530 58.450 65.120 72.760 81
67 47.110 52.530 58.450 65.120 72.760 81.590 82
68 52.530 58.450 65.120 72.760 81.590 91.760 83
69 58.450 65.120 72.760 81.590 91.760 103.030 84
70 65.120 72.760 81.590 91.760 103.030 115.380 85
6/30/93
TLevel 10
FEMALE PREFERRED NONSMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS
NONREENTRANT MORTALITY YEARS 11+
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 (X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
-- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------- -------
20 0.269 0.221 0.242 0.240 0.244 0.239 0.250 0.255 0.268 0.283 0.439 0.468 0.458 0.483 0.482 1.470 35
21 0.194 0.214 0.237 0.234 0.236 0.232 0.247 0.258 0.276 0.295 0.480 0.491 0.490 0.510 0.525 1.560 36
22 0.185 0.206 0.232 0.229 0.230 0.231 0.243 0.254 0.274 0.297 0.499 0.508 0.516 0.554 0.582 1.670 37
23 0.181 0.200 0.228 0.225 0.229 0.232 0.243 0.257 0.277 0.306 0.540 0.549 0.570 0.615 0.634 1.790 38
24 0.174 0.193 0.222 0.224 0.230 0.236 0.246 0.264 0.288 0.321 0.613 0.621 0.654 0.712 0.739 1.930 39
25 0.169 0.186 0.217 0.222 0.233 0.241 0.255 0.277 0.307 0.345 0.689 0.719 0.765 0.829 0.861 2.080 40
26 0.161 0.178 0.207 0.214 0.231 0.245 0.263 0.289 0.323 0.369 0.763 0.811 0.848 0.923 0.967 2.260 41
27 0.161 0.175 0.204 0.216 0.236 0.256 0.282 0.312 0.354 0.408 0.866 0.918 0.960 1.040 1.087 2.440 42
28 0.164 0.177 0.205 0.220 0.243 0.270 0.299 0.340 0.390 0.452 0.960 1.012 1.047 1.135 1.183 2.620 43
29 0.169 0.181 0.209 0.227 0.256 0.287 0.327 0.374 0.431 0.505 1.078 1.116 1.150 1.234 1.291 2.800 44
30 0.175 0.190 0.221 0.240 0.272 0.313 0.357 0.415 0.482 0.563 1.211 1.248 1.274 1.359 1.427 2.990 45
31 0.179 0.198 0.231 0.254 0.290 0.337 0.389 0.450 0.530 0.618 1.337 1.378 1.400 1.500 1.583 3.190 46
32 0.180 0.201 0.239 0.264 0.304 0.356 0.416 0.485 0.569 0.665 1.437 1.480 1.504 1.610 1.711 3.410 47
33 0.176 0.202 0.243 0.275 0.322 0.378 0.445 0.518 0.607 0.712 1.556 1.611 1.664 1.812 1.948 3.650 48
34 0.171 0.202 0.250 0.287 0.340 0.402 0.473 0.553 0.647 0.757 1.678 1.759 1.854 2.045 2.223 3.900 49
35 0.171 0.208 0.262 0.307 0.364 0.433 0.509 0.598 0.702 0.817 1.831 1.940 2.059 2.277 2.485 4.190 50
36 0.171 0.215 0.278 0.329 0.394 0.468 0.554 0.649 0.759 0.885 2.008 2.137 2.282 2.531 2.768 4.500 51
37 0.177 0.226 0.297 0.355 0.427 0.508 0.600 0.706 0.825 0.964 2.208 2.348 2.507 2.788 3.057 4.850 52
38 0.190 0.247 0.329 0.394 0.474 0.562 0.663 0.783 0.917 1.073 2.470 2.612 2.769 3.073 3.374 5.260 53
39 0.207 0.275 0.366 0.437 0.523 0.622 0.735 0.869 1.022 1.192 2.771 2.919 3.098 3.448 3.808 5.680 54
40 0.223 0.300 0.400 0.478 0.568 0.674 0.800 0.947 1.112 1.300 3.035 3.180 3.375 3.749 4.170 6.130 55
41 0.239 0.324 0.436 0.519 0.616 0.733 0.866 1.024 1.207 1.412 3.322 3.490 3.702 4.140 4.662 6.590 56
42 0.259 0.356 0.478 0.570 0.681 0.808 0.955 1.128 1.330 1.562 3.717 3.909 4.148 4.652 5.263 7.050 57
43 0.274 0.378 0.511 0.612 0.732 0.870 1.025 1.210 1.425 1.692 4.069 4.316 4.625 5.210 5.929 7.490 58
44 0.288 0.400 0.545 0.655 0.782 0.929 1.096 1.292 1.522 1.823 4.447 4.779 5.170 5.860 6.683 7.960 59
45 0.304 0.424 0.579 0.700 0.835 0.993 1.173 1.384 1.629 1.967 4.872 5.285 5.776 6.583 7.549 8.510 60
46 0.320 0.448 0.615 0.747 0.898 1.068 1.263 1.490 1.756 2.129 5.318 5.825 6.427 7.379 8.510 9.160 61
47 0.336 0.476 0.656 0.801 0.972 1.159 1.367 1.615 1.923 2.317 5.779 6.333 7.010 8.078 9.160 9.980 62
48 0.351 0.506 0.704 0.864 1.060 1.269 1.497 1.771 2.119 2.530 6.261 6.847 7.585 8.765 9.980 11.010 63
49 0.368 0.539 0.757 0.937 1.157 1.391 1.652 1.954 2.330 2.762 6.770 7.364 8.141 9.465 11.010 12.230 64
50 0.383 0.577 0.816 1.014 1.257 1.524 1.817 2.150 2.543 3.005 7.316 7.950 8.844 10.390 12.230 13.550 65
51 0.410 0.632 0.900 1.120 1.392 1.697 2.027 2.397 2.822 3.329 8.037 8.742 9.741 11.505 13.550 14.970 66
52 0.441 0.691 0.989 1.233 1.530 1.868 2.232 2.641 3.104 3.658 8.793 9.600 10.741 12.717 14.970 16.410 67
53 0.474 0.753 1.084 1.348 1.670 2.029 2.423 2.869 3.380 3.989 9.570 10.501 11.798 13.997 16.410 17.860 68
54 0.512 0.821 1.182 1.467 1.810 2.186 2.606 3.086 3.655 4.331 10.371 11.443 12.898 15.362 17.860 19.410 69
55 0.554 0.897 1.292 1.596 1.958 2.352 2.790 3.305 3.941 4.692 11.225 12.455 14.094 16.868 19.410 21.200 70
56 0.606 0.983 1.416 1.742 2.120 2.528 2.995 3.549 4.242 5.082 12.143 13.582 15.452 18.562 21.200 23.340 71
57 0.668 1.085 1.561 1.911 2.301 2.737 3.239 3.832 4.566 5.508 13.132 14.879 17.049 20.490 23.340 25.990 72
58 0.742 1.208 1.735 2.108 2.522 2.997 3.538 4.171 4.935 5.976 14.204 16.336 18.860 22.684 25.990 29.220 73
59 0.830 1.352 1.934 2.338 2.792 3.310 3.894 4.562 5.373 6.497 15.367 17.909 20.859 25.153 29.220 33.220 74
60 0.931 1.512 2.154 2.596 3.105 3.667 4.294 5.002 5.875 7.076 16.634 19.659 23.079 27.905 33.220 37.320 75
61 1.046 1.683 2.390 2.879 3.444 4.052 4.725 5.485 6.432 7.709 18.156 21.589 25.593 31.297 37.320 42.040 76
62 1.176 1.861 2.632 3.183 3.791 4.452 5.179 6.007 7.034 8.410 19.846 23.742 28.407 35.029 42.040 47.110 77
63 1.322 2.067 2.905 3.500 4.142 4.852 5.637 6.536 7.657 9.149 21.762 26.352 31.953 39.980 47.110 52.530 78
64 1.487 2.312 3.213 3.830 4.506 5.264 6.103 7.079 8.313 9.937 23.825 29.054 35.581 44.876 52.530 58.460 79
65 1.671 2.570 3.540 4.171 4.894 5.704 6.609 7.687 9.058 10.836 26.410 32.612 40.433 51.615 58.450 65.120 80
66 1.872 2.826 3.858 4.521 5.307 6.193 7.196 8.409 9.947 11.894 29.447 36.535 45.567 58.450 65.120 72.760 81
67 2.094 3.058 4.142 4.872 5.753 6.755 7.900 9.293 11.032 13.192 33.281 41.568 52.212 65.120 72.760 81.590 82
68 2.336 3.272 4.398 5.222 6.238 7.410 8.761 10.387 12.385 14.780 37.651 46.948 58.892 72.760 81.590 91.760 83
69 2.600 3.484 4.649 5.575 6.761 8.163 9.779 11.710 14.001 16.675 42.828 53.411 67.000 81.590 91.760 103.030 84
70 2.883 3.686 4.892 5.928 7.319 8.996 10.953 13.235 15.872 18.852 48.829 60.840 76.309 91.760 103.030 115.380 85
6/30/93
TLevel 10
FEMALE SMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS
NONREENTRANT MORTALITY YEAR 11+
X [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
--- ----- ------ ------ ------ ------ ------ ------ ------
20 0.362 0.709 0.780 0.787 0.807 0.791 0.808 0.809
21 0.589 0.700 0.777 0.780 0.795 0.781 0.815 0.842
22 0.572 0.685 0.772 0.775 0.790 0.796 0.823 0.853
23 0.569 0.677 0.774 0.778 0.804 0.822 0.853 0.896
24 0.555 0.665 0.765 0.790 0.829 0.861 0.895 0.951
25 0.549 0.651 0.765 0.803 0.867 0.913 0.960 1.029
26 0.533 0.636 0.751 0.803 0.890 0.960 1.017 1.097
27 0.545 0.643 0.762 0.838 0.940 1.033 1.114 1.207
28 0.569 0.671 0.794 0.882 0.996 1.114 1.207 1.334
29 0.605 0.711 0.838 0.937 1.075 1.207 1.334 1.488
30 0.652 0.773 0.915 1.014 1.165 1.334 1.476 1.670
31 0.690 0.832 0.975 1.095 1.257 1.452 1.631 1.836
32 0.713 0.864 1.027 1.153 1.337 1.555 1.765 2.002
33 0.714 0.881 1.062 1.217 1.433 1.673 1.912 2.167
34 0.704 0.894 1.103 1.286 1.532 1.803 2.059 2.341
35 0.713 0.932 1.172 1.395 1.663 1.968 2.245 2.554
36 0.723 0.978 1.259 1.510 1.821 2.150 2.465 2.796
37 0.758 1.041 1.364 1.652 1.996 2.355 2.691 3.062
38 0.825 1.152 1.533 1.855 2.234 2.627 2.998 3.411
39 0.911 1.301 1.724 2.076 2.488 2.933 3.336 3.772
40 0.996 1.435 1.899 2.289 2.724 3.188 3.616 4.092
41 1.079 1.562 2.089 2.505 2.968 3.453 3.898 4.408
42 1.180 1.729 2.308 2.763 3.265 3.794 4.283 4.836
43 1.259 1.852 2.477 2.954 3.497 4.065 4.577 5.168
44 1.334 1.967 2.630 3.149 3.718 4.325 4.872 5.474
45 1.413 2.079 2.787 3.353 3.958 4.605 5.174 5.788
46 1.483 2.187 2.945 3.565 4.236 4.911 5.503 6.156
47 1.550 2.315 3.130 3.806 4.548 5.262 5.883 6.585
48 1.614 2.452 3.344 4.071 4.902 5.690 6.358 7.101
49 1.681 2.601 3.567 4.360 5.283 6.162 6.897 7.699
5O 1.746 2.760 3.798 4.660 5.664 6.634 7.453 8.319
51 1.853 2.983 4.137 5.080 6.165 7.258 8.168 9.109
52 1.966 3.225 4.489 5.501 6.660 7.848 8.834 9.803
53 2.088 3.470 4.834 5.907 7.141 8.371 9.370 10.402
54 2.227 3.717 5.182 6.316 7.599 8.813 9.838 10.971
55 2.370 3.989 5.564 6.746 8.031 9.258 10.331 11.520
56 2.545 4.296 5.986 7.195 8.494 9.761 10.874 12.123
57 2.757 4.655 6.447 7.708 9.038 10.358 11.524 12.823
58 3.006 5.065 6.997 8.340 9.716 11.115 12.330 13.667
59 3.287 5.536 7.648 9.069 10.541 12.027 13.289 14.630
60 3.598 6.070 8.355 9.866 11.482 13.048 14.340 15.691
61 3.966 6.626 9.082 10.719 12.470 14.109 15.437 16.824
62 4.373 7.180 9.799 11.603 13.432 15.166 16.547 18.006
63 4.816 7.813 10.590 12.487 14.357 16.161 17.599 19.137
64 5.306 8.554 11.465 13.369 15.274 17.134 18.611 20.234
65 5.841 9.309 12.355 14.236 16.211 18.135 19.675 21.435
66 6.403 10.012 13.168 15.077 17.170 19.221 20.901 22.864
67 7.007 10.593 13.814 15.871 18.173 20.454 22.370 24.619
68 7.643 11.076 14.327 16.607 19.220 21.876 24.173 26.975
69 8.313 11.519 14.784 17.296 20.313 23.481 26.452 29.796
70 9.002 11.900 15.176 17.932 21.425 25.369 29.028 32.988
X [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
--- ------ ------ ------ ------ ------ ------- ------- -------
20 0.839 0.880 1.228 1.225 1.138 1.150 1.051 1.940 35
21 0.891 0.952 1.400 1.325 1.258 1.235 1.173 2.090 36
22 0.916 0.991 1.503 1.409 1.353 1.380 1.349 2.280 37
23 0.962 1.049 1.682 1.573 1.545 1.581 1.502 2.490 38
24 1.029 1.129 1.860 1.843 1.845 1.907 1.841 2.730 39
25 1.120 1.235 1.940 2.090 2.231 2.298 2.228 3.000 40
26 1.199 1.337 2.090 2.280 2.490 2.615 2.562 3.330 41
27 1.334 1.500 2.280 2.490 2.730 3.000 2.948 3.640 42
28 1.488 1.682 2.490 2.730 3.000 3.316 3.217 3.960 43
29 1.670 1.903 2.730 3.000 3.330 3.617 3.527 4.280 44
30 1.890 2.151 3.000 3.330 3.640 3.960 3.949 4.610 45
31 2.105 2.390 3.330 3.640 3.960 4.280 4.428 4.950 46
32 2.289 2.604 3.640 3.960 4.280 4.610 4.735 5.310 47
33 2.471 2.810 3.960 4.280 4.610 4.950 5.310 5.680 48
34 2.657 3.012 4.280 4.610 4.950 5.310 5.680 6.080 49
35 2.903 3.278 4.610 4.950 5.310 5.680 6.080 6.540 50
36 3.164 3.564 4.950 5.310 5.680 6.080 6.540 7.000 51
37 3.454 3.869 5.310 5.680 6.080 6.540 7.000 7.520 52
38 3.826 4.289 5.680 6.080 6.540 7.000 7.520 8.130 53
39 4.246 4.744 6.080 6.540 7.000 7.520 8.130 8.750 54
40 4.601 5.155 6.540 7.000 7.520 8.130 8.750 9.400 55
41 4.972 5.575 7.000 7.520 8.130 8.750 9.400 10.050 56
42 5.460 6.118 7.520 8.130 8.750 9.400 10.050 10.670 57
43 5.802 6.544 8.130 8.750 9.400 10.050 10.670 11.250 58
44 6.121 6.964 8.750 9.400 10.050 10.670 11.250 11.850 59
45 6.465 7.417 9.400 10.050 10.670 11.250 11.850 12.510 60
46 6.884 7.892 10.050 10.670 11.250 11.850 12.510 13.360 61
47 7.410 8.439 10.670 11.250 11.850 12.510 13.360 14.390 62
48 8.023 9.050 11.250 11.850 12.510 13.360 14.390 15.780 63
49 8.667 9.703 11.850 12.510 13.360 14.390 15.780 17.330 64
5O 9.287 10.317 12.510 13.360 14.390 15.780 17.330 19.070 65
51 10.069 11.158 13.360 14.390 15.780 17.330 19.070 20.790 66
52 10.815 12.024 14.390 15.780 17.330 19.070 20.790 22.580 67
53 11.550 12.856 15.780 17.330 19.070 20.790 22.580 24.200 68
54 12.245 13.679 17.330 19.070 20.790 22.580 24.200 26.020 69
55 12.940 14.517 19.070 20.790 22.580 24.200 26.020 27.950 70
56 13.644 15.396 20.790 22.580 24.200 26.020 27.950 30.450 71
57 14.381 16.330 22.580 24.200 26.020 27.950 30.450 33.550 72
58 15.211 17.335 24.200 26.020 27.950 30.450 33.550 37.330 73
59 16.200 18.428 26.020 27.950 30.450 33.550 37.330 41.740 74
60 17.319 19.610 27.950 30.450 33.550 37.330 41.740 46.640 75
61 18.530 20.869 30.450 33.550 37.330 41.740 46.640 51.920 76
62 19.794 22.225 33.550 37.330 41.740 46.640 51.920 57.460 77
63 21.035 23.587 37.330 41.740 46.640 51.920 57.460 63.280 78
64 22.280 24.979 41.740 46.640 51.920 57.460 63.280 69.410 79
65 23.671 26.542 46.640 51.920 57.460 63.280 69.410 76.260 80
66 25.327 28.559 51.920 57.460 63.280 69.410 76.260 84.000 81
67 27.536 31.035 57.460 63.280 69.410 76.260 84.000 92.840 82
68 30.289 34.060 63.280 69.410 76.260 84.000 92.840 102.870 83
69 33.539 37.619 69.410 76.260 84.000 92.840 102.870 114.650 84
70 37.222 41.618 76.260 84.000 92.840 102.870 114.650 126.420 85
6/30/93
TLevel 10
FEMALE PREFERRED SMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS
NONREENTRANT MORTALITY YEAR 11+
X [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
--- ----- ----- ----- ----- ------ ------ ------ ------
20 0.326 0.389 0.405 0.409 0.417 0.410 0.432 0.445
21 0.342 0.384 0.404 0.405 0.410 0.405 0.435 0.463
22 0.332 0.376 0.401 0.403 0.408 0.413 0.440 0.470
23 0.330 0.371 0.402 0.404 0.415 0.426 0.456 0.493
24 0.322 0.365 0.397 0.410 0.428 0.446 0.478 0.523
25 0.319 0.357 0.397 0.417 0.448 0.473 0.513 0.566
26 0.309 0.349 0.390 0.417 0.460 0.498 0.543 0.603
27 0.316 0.353 0.396 0.435 0.485 0.536 0.595 0.664
28 0.331 0.368 0.413 0.458 0.514 0.578 0.645 0.734
29 0.351 0.390 0.436 0.487 0.555 0.626 0.713 0.819
30 0.379 0.424 0.475 0.527 0.602 0.692 0.788 0.919
31 0.400 0.456 0.507 0.569 0.649 0.753 0.871 1.010
32 0.414 0.474 0.534 0.599 0.690 0.806 0.943 1.101
33 0.415 0.483 0.552 0.632 0.740 0.867 1.022 1.192
34 0.409 0.490 0.573 0.668 0.791 0.934 1.100 1.288
35 0.414 0.511 0.609 0.725 0.859 1.020 1.199 1.405
36 0.420 0.536 0.654 0.785 0.940 1.115 1.317 1.538
37 0.440 0.571 0.708 0.858 1.031 1.221 1.437 1.685
38 0.479 0.631 0.796 0.964 1.154 1.362 1.601 1.877
39 0.529 0.714 0.896 1.079 1.285 1.521 1.782 2.075
40 0.578 0.787 0.986 1.189 1.406 1.653 1.932 2.251
41 0.626 0.857 1.085 1.301 1.532 1.790 2.082 2.425
42 0.685 0.948 1.199 1.436 1.686 1.967 2.288 2.661
43 0.731 1.016 1.287 1.535 1.806 2.108 2.445 2.843
44 0.775 1.079 1.366 1.636 1.920 2.242 2.603 3.012
45 0.820 1.140 1.448 1.742 2.043 2.387 2.764 3.185
46 0.861 1.199 1.530 1.852 2.187 2.546 2.940 3.387
47 0.900 1.269 1.626 1.977 2.348 2.728 3.143 3.623
48 0.937 1.345 1.738 2.115 2.531 2.950 3.397 3.907
49 0.976 1.426 1.853 2.265 2.728 3.195 3.685 4.236
5O 1.014 1.513 1.973 2.421 2.924 3.439 3.981 4.577
51 1.076 1.636 2.149 2.639 3.183 3.762 4.363 5.012
52 1.142 1.769 2.332 2.858 3.439 4.068 4.719 5.394
53 1.213 1.903 2.512 3.069 3.687 4.340 5.005 5.723
54 1.293 2.038 2.692 3.281 3.924 4.568 5.256 6.036
55 1.376 2.188 2.891 3.504 4.147 4.799 5.519 6.338
56 1.477 2.356 3.110 3.738 4.386 5.060 5.809 6.670
57 1.601 2.553 3.349 4.004 4.667 5.370 6.156 7.055
58 1.746 2.777 3.635 4.333 5.017 5.762 6.586 7.520
59 1.908 3.036 3.974 4.711 5.443 6.235 7.099 8.050
60 2.089 3.329 4.341 5.126 5.928 6.764 7.660 8.633
61 2.303 3.634 4.718 5.569 6.439 7.314 8.246 9.257
62 2.539 3.938 5.091 6.028 6.935 7.862 8.839 9.907
63 2.797 4.284 5.502 6.487 7.413 8.378 9.401 10.529
64 3.081 4.691 5.956 6.946 7.886 8.882 9.942 11.132
65 3.392 5.105 6.419 7.396 8.370 9.401 10.510 11.794
66 3.718 5.490 6.841 7.833 8.865 9.965 11.165 12.580
67 4.069 5.809 7.177 8.246 9.383 10.604 11.950 13.546
68 4.438 6.074 7.443 8.628 9.924 11.341 12.913 14.842
69 4.827 6.317 7.680 8.986 10.488 12.173 14.131 16.394
70 5.227 6.526 7.884 9.316 11.062 13.151 15.506 18.150
X [X]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
--- ------ ------ ------ ------ ------ ------- ------- -------
20 0.475 0.513 0.765 0.859 0.919 1.011 1.055 1.940 35
21 0.504 0.555 0.870 0.928 1.009 1.087 1.166 2.090 36
22 0.519 0.577 0.933 0.985 1.081 1.199 1.311 2.280 37
23 0.544 0.611 1.042 1.090 1.213 1.349 1.445 2.490 38
24 0.582 0.657 1.217 1.260 1.416 1.585 1.709 2.730 39
25 0.634 0.719 1.397 1.489 1.680 1.874 2.017 3.000 40
26 0.679 0.778 1.574 1.709 1.889 2.114 2.294 3.330 41
27 0.755 0.873 1.819 1.967 2.169 2.413 2.612 3.640 42
28 0.842 0.979 2.044 2.197 2.395 2.667 2.867 3.960 43
29 0.945 1.108 2.329 2.453 2.662 2.922 3.154 4.280 44
30 1.070 1.253 2.654 2.781 2.976 3.247 3.515 4.610 45
31 1.191 1.392 2.970 3.099 3.298 3.613 3.918 4.950 46
32 1.295 1.516 3.218 3.352 3.569 3.895 4.216 5.310 47
33 1.398 1.636 3.514 3.684 3.968 4.368 4.785 5.680 48
34 1.503 1.754 3.824 4.043 4.409 4.916 5.442 6.080 49
35 1.643 1.909 4.196 4.449 4.880 5.455 6.061 6.540 50
36 1.790 2.075 4.589 4.892 5.392 6.044 6.540 7.000 51
37 1.955 2.253 5.034 5.361 5.904 6.540 7.000 7.520 52
38 2.165 2.498 5.621 5.949 6.498 7.000 7.520 8.130 53
39 2.403 2.762 6.080 6.540 7.000 7.520 8.130 8.750 54
40 2.603 3.002 6.540 7.000 7.520 8.130 8.750 9.400 55
41 2.813 3.246 7.000 7.520 8.130 8.750 9.400 10.050 56
42 3.089 3.562 7.520 8.130 8.750 9.400 10.050 10.670 57
43 3.283 3.811 8.130 8.750 9.400 10.050 10.670 11.250 58
44 3.463 4.055 8.750 9.400 10.050 10.670 11.250 11.850 59
45 3.658 4.318 9.400 10.050 10.670 11.250 11.850 12.510 60
46 3.895 4.595 10.050 10.670 11.250 11.850 12.510 13.360 61
47 4.193 4.913 10.670 11.250 11.850 12.510 13.360 14.390 62
48 4.539 5.270 11.250 11.850 12.510 13.360 14.390 15.780 63
49 4.904 5.650 11.850 12.510 13.360 14.390 15.780 17.330 64
5O 5.255 6.007 12.510 13.360 14.390 15.780 17.330 19.070 65
51 5.697 6.497 13.360 14.390 15.780 17.330 19.070 20.790 66
52 6.119 7.001 14.390 15.780 17.330 19.070 20.790 22.580 67
53 6.535 7.486 15.780 17.330 19.070 20.790 22.580 24.200 68
54 6.928 7.965 17.330 19.070 20.790 22.580 24.200 26.020 69
55 7.322 8.453 19.070 20.790 22.580 24.200 26.020 27.950 70
56 7.720 8.964 20.529 22.580 24.200 26.020 27.950 30.450 71
57 8.137 9.508 21.696 24.200 26.020 27.950 30.450 33.550 72
58 8.607 10.093 22.922 26.020 27.950 30.450 33.550 37.330 73
59 9.166 10.730 24.209 27.904 30.450 33.550 37.330 41.740 74
60 9.800 11.418 25.574 29.943 33.550 37.330 41.740 46.640 75
61 10.485 12.151 27.244 32.081 37.330 41.740 46.640 51.920 76
62 11.200 12.941 29.049 34.403 41.691 46.640 51.920 57.460 77
63 11.902 13.734 31.061 37.227 45.996 51.920 57.460 63.280 78
64 12.606 14.544 33.156 40.274 50.218 57.460 63.280 69.410 79
65 13.393 15.454 36.096 44.397 55.985 63.280 69.410 76.260 80
66 14.330 16.629 39.523 48.846 61.869 69.410 76.260 84.000 81
67 15.580 18.070 43.868 54.570 69.410 76.260 84.000 92.840 82
68 17.138 19.832 48.675 60.430 76.260 84.000 92.840 102.870 83
69 18.977 21.904 54.247 67.337 84.000 92.840 102.870 114.650 84
70 21.061 24.232 60.577 75.094 92.840 102.870 114.650 126.420 85
6/30/93
TLevel 15
MALE NONSMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS
X [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
-- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------
20 0.732 0.823 0.830 0.814 0.801 0.749 0.747 0.730 0.732 0.742 0.697 0.712 0.714 0.721 0.722 1.690 35
21 0.680 0.750 0.778 0.769 0.758 0.721 0.749 0.755 0.790 0.819 0.781 0.774 0.765 0.759 0.765 1.770 36
22 0.594 0.663 0.697 0.685 0.675 0.660 0.670 0.681 0.712 0.754 0.739 0.730 0.739 0.758 0.766 1.880 37
23 0.528 0.584 0.619 0.608 0.609 0.596 0.609 0.619 0.654 0.704 0.703 0.707 0.742 0.766 0.791 2.000 38
24 0.458 0.506 0.540 0.546 0.548 0.546 0.551 0.572 0.614 0.664 0.688 0.707 0.746 0.796 0.830 2.140 39
25 0.408 0.447 0.487 0.494 0.512 0.511 0.526 0.555 0.599 0.656 0.698 0.728 0.792 0.851 0.895 2.290 40
26 0.377 0.417 0.451 0.467 0.490 0.506 0.529 0.561 0.612 0.686 0.728 0.789 0.851 0.924 0.984 2.470 41
27 0.368 0.396 0.431 0.453 0.485 0.515 0.548 0.587 0.656 0.730 0.791 0.855 0.931 1.013 1.085 2.650 42
28 0.366 0.395 0.424 0.455 0.495 0.533 0.573 0.636 0.705 0.800 0.859 0.931 1.012 1.108 1.189 2.860 43
29 0.377 0.401 0.432 0.470 0.518 0.565 0.629 0.692 0.783 0.891 0.957 1.029 1.116 1.215 1.306 3.070 44
30 0.384 0.415 0.453 0.488 0.543 0.611 0.670 0.759 0.862 0.982 1.053 1.132 1.225 1.331 1.428 3.320 45
31 0.388 0.430 0.464 0.510 0.575 0.643 0.725 0.812 0.937 1.063 1.145 1.236 1.338 1.452 1.572 3.590 46
32 0.392 0.436 0.481 0.536 0.600 0.685 0.776 0.879 1.009 1.151 1.244 1.351 1.461 1.599 1.748 3.880 47
33 0.384 0.438 0.496 0.555 0.640 0.729 0.834 0.943 1.083 1.240 1.349 1.465 1.609 1.781 1.955 4.190 48
34 0.367 0.437 0.498 0.575 0.667 0.768 0.877 0.997 1.146 1.309 1.434 1.581 1.767 1.973 2.181 4.540 49
35 0.370 0.445 0.526 0.616 0.717 0.829 0.948 1.084 1.248 1.415 1.567 1.747 1.962 2.203 2.446 4.910 50
36 0.373 0.471 0.566 0.670 0.788 0.912 1.053 1.201 1.372 1.564 1.744 1.946 2.193 2.471 2.749 5.350 51
37 0.394 0.503 0.617 0.737 0.870 1.011 1.165 1.328 1.523 1.744 1.941 2.166 2.442 2.756 3.075 5.860 52
38 0.423 0.550 0.683 0.817 0.968 1.120 1.285 1.477 1.701 1.945 2.156 2.405 2.704 3.056 3.441 6.430 53
39 0.460 0.612 0.760 0.909 1.071 1.239 1.428 1.646 1.898 2.164 2.395 2.663 2.990 3.395 3.830 7.090 54
40 0.506 0.680 0.847 1.015 1.184 1.370 1.590 1.830 2.109 2.412 2.657 2.944 3.316 3.754 4.263 7.820 55
41 0.552 0.750 0.945 1.122 1.313 1.525 1.758 2.022 2.339 2.674 2.943 3.274 3.670 4.164 4.758 8.630 56
42 0.600 0.825 1.034 1.236 1.456 1.686 1.943 2.232 2.582 2.955 3.274 3.640 4.082 4.642 5.313 9.490 57
43 0.649 0.893 1.130 1.358 1.600 1.854 2.131 2.446 2.819 3.267 3.626 4.054 4.567 5.186 5.932 10.420 58
44 0.695 0.966 1.234 1.486 1.746 2.025 2.327 2.663 3.074 3.583 4.016 4.527 5.115 5.804 6.608 11.470 59
45 0.750 1.051 1.342 1.625 1.909 2.213 2.541 2.912 3.348 3.937 4.460 5.052 5.727 6.485 7.396 12.640 60
46 0.810 1.136 1.457 1.775 2.098 2.428 2.796 3.195 3.680 4.344 4.946 5.626 6.393 7.269 8.266 13.940 61
47 0.871 1.236 1.593 1.947 2.318 2.692 3.085 3.530 4.110 4.820 5.490 6.249 7.146 8.131 9.230 15.420 62
48 0.932 1.346 1.749 2.144 2.587 3.006 3.445 3.951 4.619 5.366 6.083 6.952 7.956 9.061 10.305 17.110 63
49 0.999 1.468 1.921 2.379 2.881 3.365 3.881 4.449 5.182 5.973 6.766 7.710 8.822 10.081 11.500 19.020 64
50 1.068 1.606 2.120 2.628 3.194 3.764 4.358 4.996 5.768 6.653 7.494 8.519 9.760 11.188 12.814 21.130 65
51 1.142 1.758 2.334 2.896 3.531 4.182 4.850 5.552 6.403 7.368 8.288 9.442 10.855 12.522 14.412 23.400 66
52 1.227 1.920 2.559 3.184 3.873 4.592 5.325 6.118 7.041 8.098 9.157 10.494 12.150 14.105 16.349 25.860 67
53 1.316 2.088 2.799 3.473 4.217 4.972 5.783 6.647 7.670 8.833 10.052 11.583 13.452 15.659 18.235 28.500 68
54 1.419 2.271 3.046 3.770 4.555 5.359 6.217 7.151 8.295 9.596 11.027 12.816 14.962 17.504 20.492 31.380 69
55 1.534 2.476 3.322 4.088 4.930 5.764 6.659 7.660 8.951 10.404 12.043 14.082 16.505 19.348 22.729 34.630 70
56 1.672 2.707 3.627 4.464 5.338 6.199 7.150 8.230 9.641 11.263 13.141 15.464 18.190 21.389 25.223 38.310 71
57 1.840 2.978 4.000 4.897 5.793 6.711 7.736 8.893 10.374 12.204 14.309 16.889 19.911 23.457 27.696 42.560 72
58 2.036 3.317 4.445 5.404 6.354 7.353 8.456 9.676 11.209 13.247 15.574 18.427 21.795 25.745 30.488 47.440 73
59 2.279 3.712 4.956 5.995 7.038 8.128 9.303 10.581 12.206 14.405 16.991 20.184 24.007 28.560 33.965 52.920 74
60 2.554 4.151 5.523 6.659 7.832 9.001 10.256 11.604 13.349 15.690 18.505 21.995 26.269 31.377 37.430 58.800 75
61 2.872 4.623 6.129 7.391 8.683 9.943 11.289 12.727 14.618 17.116 20.220 24.126 28.964 34.826 41.625 65.060 76
62 3.230 5.115 6.756 8.166 9.554 10.929 12.379 13.942 16.007 18.698 22.088 26.365 31.750 38.203 45.738 71.640 77
63 3.633 5.686 7.453 8.978 10.442 11.913 13.475 15.189 17.450 20.393 24.151 28.954 34.972 42.268 50.773 78.470 78
64 4.089 6.355 8.243 9.829 11.364 12.928 14.608 16.473 18.994 22.214 26.409 31.735 38.503 46.716 56.278 85.720 79
65 4.595 7.065 9.084 10.707 12.345 14.026 15.841 17.935 20.756 24.320 28.931 34.875 42.433 51.624 62.308 93.670 80
6/30/93
TLevel 15
MALE PREFERRED NONSMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS
X [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
-- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------
20 0.542 0.422 0.456 0.448 0.448 0.431 0.441 0.444 0.455 0.472 0.456 0.480 0.495 0.515 0.532 1.690 35
21 0.349 0.385 0.427 0.423 0.424 0.415 0.442 0.459 0.490 0.521 0.512 0.522 0.531 0.543 0.564 1.770 36
22 0.305 0.340 0.383 0.376 0.378 0.380 0.395 0.414 0.442 0.480 0.484 0.492 0.513 0.542 0.564 1.880 37
23 0.271 0.300 0.340 0.334 0.341 0.343 0.359 0.376 0.406 0.448 0.460 0.477 0.515 0.548 0.583 2.000 38
24 0.235 0.260 0.297 0.300 0.306 0.314 0.325 0.348 0.381 0.423 0.451 0.476 0.518 0.569 0.612 2.140 39
25 0.209 0.229 0.268 0.272 0.286 0.294 0.311 0.338 0.372 0.417 0.457 0.491 0.550 0.608 0.659 2.290 40
26 0.194 0.214 0.248 0.257 0.274 0.291 0.313 0.341 0.380 0.437 0.477 0.532 0.591 0.661 0.725 2.470 41
27 0.189 0.203 0.237 0.249 0.272 0.296 0.323 0.357 0.408 0.465 0.518 0.576 0.646 0.725 0.800 2.650 42
28 0.188 0.203 0.233 0.250 0.277 0.306 0.338 0.387 0.438 0.509 0.562 0.628 0.703 0.792 0.876 2.860 43
29 0.194 0.206 0.238 0.259 0.290 0.325 0.371 0.421 0.486 0.567 0.627 0.693 0.775 0.869 0.962 3.070 44
30 0.197 0.213 0.249 0.268 0.304 0.351 0.396 0.461 0.535 0.625 0.690 0.763 0.850 0.952 1.052 3.320 45
31 0.199 0.221 0.255 0.281 0.322 0.369 0.428 0.494 0.582 0.677 0.750 0.833 0.929 1.039 1.158 3.590 46
32 0.201 0.224 0.264 0.294 0.336 0.393 0.458 0.534 0.627 0.732 0.815 0.911 1.015 1.143 1.288 3.880 47
33 0.197 0.225 0.273 0.305 0.358 0.419 0.493 0.573 0.672 0.789 0.884 0.987 1.117 1.273 1.441 4.190 48
34 0.188 0.224 0.274 0.316 0.373 0.441 0.518 0.606 0.711 0.833 0.939 1.066 1.227 1.411 1.607 4.540 49
35 0.190 0.229 0.289 0.339 0.401 0.476 0.560 0.659 0.775 0.901 1.027 1.178 1.362 1.575 1.802 4.910 50
36 0.191 0.242 0.311 0.368 0.441 0.524 0.622 0.730 0.852 0.996 1.142 1.312 1.522 1.767 2.025 5.350 51
37 0.202 0.258 0.339 0.405 0.487 0.581 0.688 0.807 0.946 1.110 1.271 1.461 1.695 1.971 2.265 5.860 52
38 0.217 0.282 0.376 0.449 0.542 0.644 0.759 0.898 1.056 1.238 1.412 1.622 1.877 2.185 2.535 6.430 53
39 0.236 0.314 0.418 0.500 0.599 0.712 0.843 1.001 1.179 1.377 1.568 1.795 2.076 2.428 2.822 7.090 54
40 0.260 0.349 0.466 0.558 0.662 0.788 0.939 1.113 1.310 1.535 1.740 1.985 2.302 2.684 3.141 7.820 55
41 0.283 0.385 0.519 0.617 0.735 0.877 1.038 1.230 1.452 1.702 1.928 2.208 2.548 2.977 3.505 8.630 56
42 0.308 0.424 0.568 0.679 0.815 0.969 1.147 1.358 1.603 1.881 2.145 2.454 2.834 3.319 3.915 9.490 57
43 0.333 0.458 0.621 0.747 0.895 1.065 1.258 1.487 1.750 2.079 2.375 2.733 3.171 3.708 4.371 10.420 58
44 0.357 0.496 0.678 0.817 0.977 1.164 1.374 1.619 1.909 2.280 2.631 3.052 3.551 4.150 4.868 11.470 59
45 0.385 0.539 0.738 0.893 1.068 1.272 1.500 1.771 2.079 2.506 2.921 3.406 3.976 4.637 5.449 12.640 60
46 0.416 0.583 0.801 0.976 1.174 1.395 1.651 1.943 2.285 2.765 3.239 3.793 4.438 5.197 6.091 13.940 61
47 0.447 0.634 0.876 1.070 1.297 1.547 1.822 2.147 2.552 3.068 3.596 4.213 4.961 5.814 6.801 15.420 62
48 0.478 0.691 0.961 1.179 1.448 1.727 2.034 2.402 2.868 3.415 3.984 4.687 5.523 6.479 7.593 17.110 63
49 0.513 0.753 1.056 1.308 1.612 1.934 2.292 2.705 3.218 3.801 4.431 5.198 6.124 7.209 8.473 19.020 64
50 0.548 0.824 1.166 1.445 1.787 2.163 2.573 3.038 3.582 4.235 4.908 5.743 6.775 8.000 9.441 21.130 65
51 0.586 0.902 1.283 1.592 1.976 2.403 2.864 3.376 3.976 4.689 5.428 6.366 7.535 8.954 10.619 23.400 66
52 0.630 0.985 1.407 1.751 2.167 2.639 3.144 3.720 4.372 5.154 5.997 7.075 8.435 10.086 12.046 25.860 67
53 0.676 1.071 1.539 1.909 2.360 2.858 3.414 4.042 4.763 5.622 6.584 7.809 9.338 11.197 13.435 28.500 68
54 0.728 1.165 1.675 2.073 2.549 3.080 3.670 4.348 5.151 6.108 7.222 8.640 10.387 12.516 15.099 31.380 69
55 0.787 1.270 1.826 2.247 2.758 3.313 3.931 4.658 5.558 6.622 7.888 9.494 11.458 13.835 16.747 34.630 70
56 0.858 1.389 1.994 2.454 2.987 3.563 4.221 5.005 5.987 7.169 8.607 10.426 12.628 15.294 18.584 38.310 71
57 0.944 1.528 2.199 2.692 3.242 3.857 4.568 5.408 6.442 7.767 9.372 11.387 13.822 16.773 20.406 42.560 72
58 1.045 1.702 2.444 2.971 3.555 4.226 4.993 5.884 6.960 8.431 10.200 12.424 15.130 18.409 22.463 47.440 73
59 1.169 1.905 2.725 3.296 3.938 4.671 5.493 6.434 7.580 9.168 11.128 13.608 16.666 20.422 25.025 52.920 74
60 1.311 2.130 3.036 3.661 4.382 5.173 6.055 7.056 8.290 9.986 12.120 14.829 18.236 22.437 27.578 58.800 75
61 1.474 2.372 3.370 4.063 4.858 5.714 6.665 7.739 9.078 10.894 13.244 16.265 20.107 24.902 30.668 65.060 76
62 1.658 2.625 3.715 4.490 5.346 6.281 7.308 8.478 9.940 11.901 14.467 17.775 22.041 27.317 33.699 71.640 77
63 1.864 2.918 4.098 4.936 5.843 6.846 7.956 9.236 10.836 12.980 15.818 19.521 24.278 30.224 37.409 78.470 78
64 2.098 3.261 4.532 5.404 6.358 7.429 8.624 10.017 11.794 14.139 17.297 21.395 26.729 33.405 41.465 85.720 79
65 2.358 3.625 4.994 5.886 6.907 8.061 9.352 10.906 12.889 15.479 18.949 23.513 29.457 36.914 45.908 93.670 80
REINSURANCE PREMIUMS
I. Plan: Dominion Life Series
II. Standard Reinsurance Risk Premiums: Reinsurance on the above plans shall be
ceded on a bordereau basis employing annual reinsurance premiums. The
reinsurance premiums shall equal the mortality assumptions attached to this
Exhibit B, multiplied by the following factors:
ISSUE PREF PREF
AGE NS NS SMK SMK
---------- ---- ---- ---- ----
0-40 1.33 1.25 1.30 1.20
41-60 1.16 1.10 1.10 1.00
61 & Older 1.18 1.08 1.20 1.10
III. Multiple Table Substandard Reinsurance Premiums: Multiple table substandard
reinsurance premiums are equal to the sum of the standard premium
(Preferred Non-smoker and Smoker or Standard Nonsmoker and Smoker) and 25%
of the standard premium for each 25% excess mortality.
IV. Maximum Amount of Reinsurance On One Life On These Reinsurance Premiums:
$5,000,000. For the excess amount over $5,000,000 rate schedule NRN-5833,
which is attached to the basic agreement, will apply. The nonsmoker rates
in schedule NRN-5833 will be used for both preferred nonsmoker and standard
nonsmokers. The smoker rates will be used for both preferred smoker and
standard smokers.
V. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
DOMINION LIFE
EXPECTED MORTALITY ASSUMPTIONS (1000__
MEDICAL PROJECTED
MALE PREFERRED NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
----- ----- ------ ------ ------ ------ ------ ------ ------
0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297 0.278
1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271 0.258
2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252 0.253
3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249 0.257
4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253 0.278
5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274 0.358
6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354 0.450
7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445 0.588
8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586 0.724
9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719 0.860
10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852 0.877
11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 0.837 0.940
12 0.288 0.368 0.457 0.590 0.725 0.824 0.796 0.892 0.944
13 0.371 0.458 0.589 0.710 0.843 0.760 0.848 0.895 0.655
14 0.459 0.588 0.707 0.825 0.758 0.811 0.853 0.623 0.612
15 0.589 0.707 0.814 0.716 0.789 0.810 0.600 0.587 0.582
16 0.714 0.820 0.691 0.730 0.780 0.569 0.566 0.560 0.552
17 0.821 0.645 0.709 0.726 0.561 0.535 0.533 0.530 0.523
18 0.608 0.637 0.699 0.518 0.533 0.500 0.497 0.494 0.491
19 0.582 0.617 0.490 0.484 0.490 0.458 0.456 0.453 0.456
20 0.542 0.422 0.456 0.447 0.447 0.409 0.415 0.413 0.419
21 0.348 0.384 0.427 0.422 0.423 0.394 0.416 0.428 0.452
22 0.304 0.340 0.383 0.376 0.377 0.360 0.372 0.385 0.408
23 0.270 0.299 0.340 0.334 0.340 0.325 0.338 0.350 0.374
24 0.234 0.259 0.296 0.300 0.306 0.298 0.306 0.324 0.351
25 0.209 0.229 0.267 0.271 0.286 0.279 0.292 0.314 0.342
26 0.193 0.214 0.247 0.256 0.274 0.276 0.294 0.317 0.350
27 0.188 0.202 0.236 0.249 0.271 0.281 0.304 0.332 0.376
28 0.187 0.202 0.233 0.250 0.276 0.291 0.318 0.360 0.404
29 0.193 0.205 0.237 0.258 0.290 0.308 0.349 0.392 0.448
30 0.197 0.213 0.249 0.268 0.303 0.334 0.372 0.430 0.493
31 0.198 0.220 0.255 0.280 0.321 0.351 0.403 0.460 0.536
32 0.201 0.223 0.264 0.294 0.335 0.374 0.431 0.497 0.578
33 0.196 0.224 0.272 0.305 0.358 0.398 0.463 0.534 0.620
34 0.188 0.224 0.274 0.316 0.373 0.419 0.487 0.565 0.656
35 0.189 0.228 0.289 0.338 0.401 0.452 0.527 0.614 0.714
36 0.191 0.241 0.311 0.368 0.441 0.498 0.585 0.680 0.785
37 0.202 0.258 0.338 0.404 0.486 0.552 0.647 0.752 0.872
38 0.216 0.282 0.375 0.449 0.541 0.612 0.714 0.836 0.974
39 0.236 0.314 0.417 0.499 0.599 0.677 0.793 0.932 1.087
40 0.259 0.349 0.465 0.558 0.662 0.748 0.883 1.037 1.208
41 0.283 0.384 0.519 0.616 0.734 0.833 0.977 1.146 1.340
42 0.307 0.423 0.568 0.679 0.814 0.921 1.079 1.265 1.479
43 0.332 0.458 0.621 0.746 0.895 1.013 1.184 1.386 1.615
44 0.356 0.495 0.678 0.816 0.976 1.106 1.293 1.509 1.761
45 0.384 0.539 0.737 0.893 1.068 1.209 1.412 1.650 1.918
46 0.415 0.582 0.801 0.976 1.173 1.326 1.554 1.811 2.108
47 0.446 0.633 0.875 1.070 1.297 1.471 1.714 2.000 2.354
48 0.478 0.690 0.961 1.178 1.447 1.642 1.915 2.239 2.646
49 0.512 0.753 1.056 1.307 1.611 1.839 2.157 2.521 2.969
50 0.547 0.823 1.165 1.444 1.787 2.057 2.422 2.831 3.304
51 0.585 0.902 1.282 1.592 1.975 2.285 2.696 3.146 3.668
52 0.629 0.985 1.407 1.750 2.167 2.509 2.959 3.467 4.034
53 0.675 1.071 1.538 1.909 2.359 2.717 3.214 3.767 4.394
54 0.728 1.165 1.674 2.072 2.548 2.928 3.455 4.052 4.753
55 0.786 1.270 1.826 2.247 2.758 3.150 3.701 4.341 5.128
56 0.857 1.388 1.994 2.454 2.986 3.388 3.974 4.664 5.524
57 0.944 1.527 2.199 2.691 3.241 3.667 4.300 5.040 5.944
58 1.044 1.701 2.443 2.970 3.555 4.018 4.700 5.484 6.422
59 1.169 1.904 2.724 3.295 3.937 4.442 5.171 5.996 6.994
60 1.310 2.130 3.036 3.660 4.382 4.919 5.700 6.576 7.649
61 1.473 2.372 3.369 4.063 4.858 5.434 6.275 7.213 8.376
62 1.657 2.624 3.714 4.489 5.345 5.972 6.880 7.901 9.171
63 1.864 2.917 4.097 4.935 5.842 6.510 7.490 8.608 9.998
64 2.098 3.260 4.531 5.403 6.358 7.065 8.119 9.336 10.883
65 2.357 3.624 4.993 5.886 6.907 7.665 8.805 10.164 11.893
66 2.640 3.986 5.444 6.380 7.499 8.334 9.612 11.152 13.111
67 2.954 4.315 5.846 6.884 8.141 9.114 10.582 12.373 14.590
68 3.296 4.617 6.215 7.389 8.849 10.026 11.782 13.876 16.433
69 3.669 4.922 6.578 7.909 9.620 11.088 13.196 15.694 18.650
70 4.073 5.216 6.939 8.434 10.454 12.261 14.828 17.809 21.222
71 4.475 5.733 7.622 9.260 11.453 13.428 16.238 19.496 23.223
72 4.919 6.297 8.368 10.148 12.546 14.708 17.781 21.337 25.421
73 5.395 6.905 9.159 11.101 13.722 16.082 19.429 23.320 27.777
74 5.821 7.435 9.855 11.944 14.762 17.293 20.895 25.075 29.849
75 6.155 7.857 10.415 12.620 15.589 18.262 22.064 26.464 31.496
76 6.432 8.209 10.879 13.177 16.277 19.067 23.023 27.606 32.841
77 6.714 8.567 11.349 13.747 16.978 19.877 23.995 28.761 34.204
78 7.150 9.120 12.082 14 632 18.061 21.139 25.510 30.566 36.334
79 7 791 9.938 13.165 15.934 19.663 23.006 27.752 33.238 39.498
__ _.__ _.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___
[x]+9 [x]+10 [x)+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------- ------- -------
0 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15
1 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16
2 0.261 0.283 0.365 0.459 0.600 0 735 0.873 17
3 0.282 0.363 0.456 0.595 0.728 0.864 0.904 18
4 0.363 0.454 0.592 0.723 0.857 0.896 0.980 19
5 0.455 0.591 0.721 0.853 0.891 0.973 1.006 20
6 0.593 0.722 0.852 0.888 0.969 1.000 0.757 21
7 0.725 0.854 0.889 0.968 0.998 0.747 0.726 22
8 0.863 0.896 0.973 1.001 0.741 0.718 0.705 23
9 0.904 0.980 1.006 0.737 0.713 0.699 0.691 24
10 0.987 1.012 0.734 0.709 0.695 0.686 0.666 25
11 0.998 0.714 0.688 0.672 0.661 0.640 0.626 26
12 0.694 0.666 0.648 0.636 0.613 0.597 0.573 27
13 0.645 0.625 0.610 0.586 0.568 0.543 0.553 28
14 0.609 0.592 0.567 0.548 0.521 0.529 0.534 29
15 0.575 0.553 0.532 0.505 0.510 0.512 0.513 30
16 0.546 0.518 0.495 0.498 0.499 0.498 0.500 31
17 0.516 0.491 0.493 0.493 0.491 0.492 0.483 32
18 0.490 0.464 0.472 0.473 0.478 0.476 0.467 33
19 0.457 0.439 0.450 0.459 0.468 0.467 0.467 34
20 0.431 0.412 0.429 0.439 0.452 0.462 0.472 35
21 0.476 0.462 0.467 0.470 0.476 0.489 0.484 36
22 0.438 0.437 0.440 0.454 0.475 0.490 0.503 37
23 0.409 0.416 0.426 0.456 0.480 0.506 0.532 38
24 0.386 0.407 0.426 0.459 0.499 0.531 0.567 39
25 0.381 0.413 0.439 0.487 0.533 0.572 0.617 40
26 0.399 0.431 0.476 0.523 0.579 0.629 0.678 41
27 0.424 0.468 0.516 0.572 0.635 0.694 0.747 42
28 0.465 0.508 0.562 0.622 0.694 0.761 0.825 43
29 0.518 0.567 0.620 0.686 0.762 0.835 0.909 44
30 0.570 0.623 0.683 0.753 0.835 0.913 1.009 45
31 0.618 0.677 0.745 0.823 0.911 1.006 1.123 46
32 0.669 0.737 0.815 0.899 1.003 1.119 1.254 47
33 0.721 0.799 0.884 0.989 1.117 1.251 1.407 48
34 0.761 0.849 0.954 1.087 1.238 1.395 1.589 49
35 0.822 0.928 1.054 1.207 1.382 1.565 1.795 50
36 0.909 1.033 1.174 1.349 1.550 1.759 2.006 51
37 1.014 1.149 1.307 1.502 1.729 1.968 2.229 52
38 1.130 1.277 1.451 1.664 1.917 2.202 2.472 53
39 1.258 1.418 1.607 1.840 2.130 2.451 2.752 54
40 1.402 1.573 1.777 2.040 2.355 2.728 3.096 55
41 1.554 1.743 1.976 2.258 2.612 3.045 3.503 56
42 1.718 1.939 2.197 2.511 2.912 3.400 3.957 57
43 1.899 2.147 2.447 2.810 3.253 3.796 4.440 58
44 2.083 2.379 2.732 3.147 3.641 4.229 4.978 59
45 2.289 2.641 3.049 3.524 4.068 4.733 5.539 60
46 2.526 2.929 3.396 3.933 4.560 5.291 6.146 61
47 2.802 3.252 3.772 4.397 5.102 5.908 6.827 62
48 3.120 3.603 4.196 4.895 5.685 6.596 7.619 63
49 3.472 4.007 4.654 5.428 6.325 7.361 8.524 64
50 3.868 4.438 5.142 6.005 7.020 8.202 9.514 65
51 4.283 4.909 5.699 6.679 7.857 9.224 10.758 66
52 4.708 5.423 6.334 7.476 8.850 10.464 12.289 67
53 5.135 5.954 6.991 8.277 9.825 11.671 13.770 68
54 5.579 6.531 7.736 9.206 10.983 13.116 15.521 69
55 6.049 7.133 8.500 10.155 12.140 14.548 17.203 70
56 6.548 7.783 9.334 11.193 13.420 16.144 19.210 71
57 7.095 8.475 10.194 12.251 14.718 17.727 21.230 72
58 7.702 9.224 11.123 13.411 16.154 19.514 23.391 73
59 8.375 10.064 12.183 14.772 17.920 21.740 26.152 74
60 9.122 10.961 13.276 16.164 19.688 23.958 28.815 75
61 9.951 11.977 14.562 17.822 21.852 26.643 32.207 76
62 10.871 13.083 15.914 19.537 23.971 29.275 35.506 77
63 11.857 14.305 17.477 21.519 26.522 32.499 39.670 78
64 12.916 15.643 19.155 23.692 29.313 36.022 44.197 79
65 14.140 17.136 21.051 26.110 32.392 39.882 49.008 80
66 15.573 18.897 23.241 28.840 35.785 44.113 54.028 81
67 17.329 21.018 25.800 31.931 39.553 48.747 59.535 82
68 19.492 23.580 28.792 35.449 43.722 53.786 65.504 83
69 22.073 26.584 32.237 39.390 48.276 59.249 72.330 84
70 25.042 30.029 36.115 43.737 53.235 65.147 79.918 85
71 27.408 32.940 39.681 48.141 58.684 71.915 88.327 86
72 29.994 36.202 43.796 53.328 65.229 80.172 98.738 87
73 32.755 39.721 48.243 58.957 72.333 89.169 109.967 88
74 35.192 42.759 52.028 63.682 78.245 96.442 119.062 89
75 37.116 45.194 55.086 67.525 82.974 102.393 126.572 90
76 38.690 47.089 57.374 70.216 86.245 106.417 131.505 91
77 40.277 49.004 59.609 72.922 89.558 110.470 136.472 92
78 42.772 51.953 63.170 77.270 94.869 116.985 144.346 93
79 46.419 56.360 68.522 83.790 102.842 126.664 156.288 94
__ __.___ __.___ __.___ __.___ ___.___ ___.___ ___.___ __
DOMINION LIFE
EXPECTED MORTALITY ASSUMPTIONS (1000__
MEDICAL PROJECTED
MALE NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 (x]+5 [x]+6 [x]+7 [x]+8
------ ------ ------ ------ ------ ------ ------ ------ ------
0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297 0.278
1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271 0.258
2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252 0.253
3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249 0.257
4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253 0.278
5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274 0.358
6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354 0.450
7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445 0.588
8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586 0.724
9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719 0.860
10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852 0.977
11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 0.953 1.048
12 0.288 0.368 0.457 0.590 0.725 0.824 0.934 1.015 1.053
13 0.371 0.458 0.589 0.710 0.843 0.916 0.995 1.019 1.056
14 0.459 0.588 0.707 0.825 0.938 0.977 1.001 1.025 0.986
15 0.589 0.707 0.814 0.901 0.976 0.975 1.016 0.966 0.937
16 0.714 0.820 0.870 0.920 0.965 0.990 0.959 0.921 0.890
17 0.821 0.871 0.893 0.914 1.003 0.931 0.904 0.873 0.843
18 0.821 0.860 0.881 0.942 0.953 0.871 0.842 0.813 0.791
19 0.785 0.833 0.892 0.880 0.877 0.798 0.772 0.745 0.734
20 0.731 0.823 0.830 0.814 0.800 0.712 0.703 0.680 0.675
21 0.680 0.749 0.777 0.768 0.757 0.686 0.704 0.703 0.728
22 0.594 0.663 0.697 0.684 0.674 0.628 0.630 0.634 0.657
23 0.527 0.583 0.619 0.608 0.609 0.566 0.573 0.576 0.603
24 0.457 0.506 0.539 0.546 0.547 0.519 0.518 0.533 0.566
25 0.407 0.447 0.487 0.494 0.511 0.485 0.495 0.517 0.552
26 0.377 0.417 0.450 0.466 0.490 0.481 0.498 0.522 0.564
27 0.367 0.395 0.430 0.453 0.485 0.489 0.515 0.547 0.605
28 0.365 0.395 0.423 0.454 0.494 0.506 0.539 0.592 0.650
29 0.377 0.400 0.432 0.470 0.518 0.537 0.591 0.645 0.722
30 0.383 0.415 0.453 0.487 0.543 0.581 0.630 0.707 0.795
31 0.387 0.430 0.464 0.510 0.574 0.611 0.682 0.757 0.864
32 0.392 0.435 0.481 0.535 0.599 0.651 0.730 0.818 0.931
33 0.383 0.438 0.496 0.554 0.640 0.692 0.785 0.878 0.998
34 0.367 0.436 0.498 0.575 0.667 0.730 0.826 0.929 1.057
35 0.370 0.445 0.525 0.615 0.716 0.788 0.892 1.010 1.151
36 0.372 0.471 0.566 0.670 0.788 0.866 0.991 1.119 1.265
37 0.394 0.503 0.616 0.736 0.870 0.961 1.096 1.237 1.405
38 0.422 0.549 0.683 0.817 0.967 1.065 1.209 1.376 1.569
39 0.460 0.612 0.759 0.909 1.070 1.178 1.344 1.533 1.751
40 0.505 0.680 0.847 1.015 1.183 1.303 1.496 1.705 1.946
41 0.552 0.750 0.944 1.121 1.312 1.450 1.655 1.884 2.157
42 0.600 0.825 1.033 1.235 1.455 1.603 1.829 2.080 2.382
43 0.648 0.893 1.129 1.358 1.599 1.762 2.006 2.279 2.600
44 0.695 0.966 1.233 1.485 1.746 1.925 2.191 2.482 2.836
45 0.750 1.050 1.342 1.624 1.909 2.104 2.392 2.714 3.089
46 0.810 1.135 1.457 1.775 2.097 2.308 2.632 2.978 3.395
47 0.870 1.235 1.592 1.946 2.318 2.560 2.904 3.290 3.792
48 0.932 1.346 1.748 2.143 2.587 2.858 3.243 3.682 4.261
49 0.999 1.467 1.921 2.379 2.880 3.200 3.654 4.146 4.782
50 1.067 1.605 2.120 2.628 3.194 3.579 4.103 4.656 5.322
51 1.141 1.758 2.333 2.896 3.530 3.976 4.566 5.175 5.908
52 1.227 1.920 2.559 3.184 3.873 4.367 5.013 5.702 6.497
53 1.316 2.087 2.798 3.472 4.217 4.728 5.444 6.195 7.077
54 1.419 2.271 3.046 3.770 4.555 5.096 5.853 6.664 7.654
55 1.533 2.475 3.321 4.087 4.929 5.481 6.268 7.139 8.259
56 1.671 2.706 3.627 4.464 5.338 5.895 6.731 7.671 8.896
57 1.839 2.977 4.000 4.896 5.793 6.382 7.283 8.288 9.572
58 2.036 3.316 4.445 5.403 6.353 6.992 7.961 9.018 10.342
59 2.279 3.712 4.955 5.994 7.037 7.729 8.759 9.862 11.263
60 2.554 4.151 5.522 6.658 7.831 8.560 9.655 10.815 12.318
61 2.871 4.623 6.129 7.390 8.682 9.455 10.628 11.862 13.489
62 3.230 5.115 6.756 8.166 9.553 10.393 11.654 12.994 14.770
63 3.633 5.686 7.453 8.977 10.442 11.329 12.686 14.156 16.101
64 4.088 6.354 8.242 9.829 11.363 12.293 13.752 15.354 17.526
65 4.595 7.064 9.083 10.706 12.344 13.338 14.913 16.716 19.152
66 5.145 7.769 9.902 11.605 13.402 14.502 16.281 18.340 21.114
67 5.757 8.409 10.633 12.523 14.550 15.859 17.924 20.347 23.496
68 6.423 8.999 11.304 13.441 15.815 17.447 19.956 22.819 26.465
69 7.151 9.594 11.965 14.387 17.193 19.295 22.352 25.810 30.035
70 7.938 10.166 12.623 15.342 18.684 21.336 25.116 29.287 34.176
71 8.722 11.174 13.864 16.844 20.469 23.367 27.503 32.062 37.398
72 9.587 12.272 15.222 18.459 22.423 25.593 30.116 35.090 40.938
73 10.514 13.457 16.660 20.192 24.525 27.984 32.909 38.351 44.733
74 11.345 14.490 17.926 21.725 26.382 30.091 35.391 41.237 48.069
75 11.996 15.313 18.945 22.956 27.861 31.778 37.372 43.522 50.722
76 12.535 15.999 19.789 23.968 29.090 33.178 38.995 45.399 52.888
77 13.085 16.696 20.644 25.005 30.343 34.588 40.641 47.298 55.082
78 13.935 17.773 21.977 26.615 32.279 36.784 43.207 50.267 58.513
79 15.185 19.369 23.946 28.983 35.141 40.032 47.006 54.662 63.608
__ __.__ __.___ ___.___ __.___ __.___ __.___ __.___ __.___ __.___
[x]+9 [x]+10 [x)+11 [x]+12 [x)+13 [x]+14 ULT
------ ------ ------ ------ ------- ------- -------
0 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15
1 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16
2 0.261 0.283 0.365 0.459 0.600 0.735 0.873 17
3 0.282 0.363 0.456 0.595 0.728 0.864 0.984 18
4 0.363 0.454 0.592 0.723 0.857 0.975 1.067 19
5 0.455 0.591 0.721 0.853 0.969 1.059 1.094 20
6 0.593 0.722 0.852 0.966 1.054 1.088 0.996 21
7 0.725 0.854 0.967 1.053 1.085 1.014 0.956 22
8 0.863 0.974 1.059 1.088 1.036 0.975 0.929 23
9 0.983 1.066 1.094 1.062 0.998 0.949 0.910 24
10 1.074 1.100 1.088 1.022 0.972 0.931 0.877 25
11 1.085 1.091 1.021 0.969 0.925 0.869 0.824 26
12 1.090 1.017 0.962 0.916 0.858 0.811 0.755 27
13 1.014 0.954 0.905 0.844 0.795 0.737 0.728 28
14 0.956 0.904 0.841 0.789 0.729 0.718 0.703 29
15 0.904 0.845 0.790 0.727 0.713 0.695 0.675 30
16 0.857 0.792 0.734 0.7l7 0.698 0.675 0.658 31
17 0.811 0.750 0.732 0.710 0.686 0.667 0.636 32
18 0.770 0.708 0.700 0.682 0.668 0.646 0.615 33
19 0.719 0.671 0.668 0.661 0.655 0.633 0.615 34
20 0.678 0.630 0.637 0.632 0.632 0.627 0.622 35
21 0.748 0.706 0.693 0.677 0.666 0.664 0.637 36
22 0.689 0.668 0.653 0.654 0.664 0.665 0.662 37
23 0.642 0.635 0.633 0.657 0.672 0.687 0.700 38
24 0.606 0.622 0.632 0.661 0.698 0.721 0.747 39
25 0.598 0.631 0.652 0.702 0.746 0.777 0.812 40
26 0.627 0.658 0.706 0.754 0.811 0.854 0.893 41
27 0.667 0.715 0.765 0.825 0.889 0.942 0.984 42
28 0.731 0.776 0.833 0.897 0.971 1.033 1.087 43
29 0.814 0.865 0.920 0.989 1.065 1.134 1.197 44
30 0.896 0.952 1.013 1.085 1.167 1.240 1.329 45
31 0.971 1.035 1.106 1.186 1.274 1.365 1.479 46
32 1.051 1.125 1.209 1.295 1.402 1.518 1.651 47
33 1.133 1.220 1.311 1.425 1.562 1.698 1.853 48
34 1.195 1.297 1.415 1.566 1.731 1.894 2.093 49
35 1.292 1.417 1.564 1.739 1.933 2.125 2.363 50
36 1.429 1.577 1.742 1.943 2.167 2.387 2.642 51
37 1.593 1.755 1.939 2.164 2.418 2.671 2.935 52
38 1.776 1.950 2.153 2.397 2.681 2.989 3.255 53
39 1.976 2.165 2.384 2.650 2.979 3.327 3.624 54
40 2.203 2.402 2.635 2.938 3.293 3.703 4.077 55
41 2.442 2.661 2.931 3.253 3.653 4.133 4.612 56
42 2.699 2.961 3.259 3.618 4.073 4.615 5.211 57
43 2.984 3.279 3.629 4.048 4.550 5.153 5.847 58
44 3.272 3.632 4.053 4.533 5.092 5.740 6.555 59
45 3.596 4.033 4.523 5.076 5.690 6.424 7.294 60
46 3.968 4.472 5.037 5.666 6.378 7.181 8.093 61
47 4.403 4.965 5.594 6.333 7.135 8.018 8.989 62
48 4.902 5.501 6.223 7.051 7.951 8.952 10.032 63
49 5.456 6.119 6.903 7.819 8.846 9.990 11.224 64
50 6.077 6.777 7.627 8.650 9.817 11.132 12.528 65
51 6.730 7.495 8.453 9.621 10.988 12.520 14.166 66
52 7.397 8.281 9.395 10.769 12.377 14.203 16.181 67
53 8.069 9.090 10.370 11.923 13.740 15.841 18.132 68
54 8.766 9.972 11.474 13.262 15.360 17.802 20.437 69
55 9.504 10.891 12.608 14.629 16.978 19.745 22.652 70
56 10.289 11.884 13.845 16.123 18.769 21.912 25.295 71
57 11.148 12.940 15.121 17.648 20.584 24.060 27.954 72
58 12.101 14.084 16.498 19.318 22.591 26.485 30.800 73
59 13.159 15.366 18.071 21.279 25.062 29.506 34.435 74
60 14.333 16.735 19.693 23.284 27.534 32.517 37.941 75
61 15.635 18.286 21.600 25.672 30.560 36.161 42.407 76
62 17.081 19.975 23.605 28.143 33.523 39.734 46.752 77
63 18.629 21.842 25.924 30.998 37.091 44.109 52.234 78
64 20.293 23.884 28.413 34.128 40.994 48.891 58.195 79
65 22.216 26.164 31.225 37.612 45.300 54.130 64.529 80
66 24.467 28.853 34.473 41.544 50.045 59.872 71.139 81
67 27.226 32.090 38.269 45.997 55.314 66.161 78.390 82
68 30.625 36.002 42.706 51.064 61.145 73.001 86.250 83
69 34.680 40.588 47.815 56.741 67.514 80.416 95.238 84
70 39.346 45.848 53.567 63.003 74.449 88.421 105.230 85
71 43.062 50.293 58.857 69.347 82.069 97.606 116.301 86
72 47.125 55.274 64.961 76.819 91.222 108.813 130.009 87
73 51.463 60.646 71.557 84.927 101.158 121.024 144.794 88
74 55.292 65.285 77.170 91.733 109.425 130.896 156.771 89
75 58.316 69.002 81.706 97.269 116.038 138.972 166.659 90
76 60.788 71.895 85.100 101.147 120.614 144.434 173.155 91
77 63.281 74.819 88.415 105.043 125.247 149.935 179.695 92
78 67.201 79.322 93.698 111.307 132.674 158.778 190.063 93
79 72.932 86.051 101.635 120.698 143.824 171.914 205.787 94
__ __.___ __.___ ___.___ ___.___ ___.___ ___.___ ___.___ __
DOMINION LIFE
EXPECTED MORTALITY ASSUMPTIONS (1000q)
MEDICAL PROJECTED
MALE SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
------ ------ ------ ------ ------ ------ ------ ------ ------
0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297 0.278
1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271 0.258
2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252 0.253
3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249 0.257
4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253 0.278
5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274 0.358
6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354 0.450
7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445 0.588
8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586 0.724
9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719 0.860
10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852 1.066
11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 1.059 1.143
12 0.288 0.368 0.457 0.590 0.725 0.824 1.049 1.128 1.148
13 0.371 0.458 0.589 0.710 0.843 1.044 1.118 1.132 1.795
14 0.459 0.588 0.707 0.825 1.059 1.114 1.124 1.776 1.703
15 0.589 0.707 0.814 1.007 1.102 1.112 1.780 1.699 1.642
16 0.714 0.820 0.973 1.028 1.091 1.761 1.706 1.644 1.584
17 0.821 0.922 0.998 1.022 1.766 1.682 1.632 1.583 1.533
18 0.821 0.911 0.985 1.642 1.705 1.595 1.544 1.506 1.465
19 0.785 0.882 1.554 1.558 1.592 1.485 1.446 1.405 1.392
20 0.731 1.358 1.469 1.461 1.476 1.353 1.341 1.313 1.313
21 1.060 1.257 1.395 1.402 1.426 1.327 1.376 1.394 1.459
22 0.940 1.128 1.272 1.275 1.293 1.244 1.263 1.294 1.377
23 0.847 1.008 1.152 1.153 1.196 1.152 1.182 1.232 1.303
24 0.746 0.893 1.023 1.060 1.103 1.087 1.120 1.174 1.250
25 0.679 0.803 0.946 0.985 1.061 1.064 1.103 1.163 1.250
26 0.640 0.767 0.898 0.958 1.064 1.086 1.133 1.205 1.307
27 0.638 0.746 0.883 0.973 1.086 1.129 1.202 1.291 1.408
28 0.652 0.768 0.910 1.007 1.130 1.198 1.287 1.404 1.545
29 0.692 0.815 0.956 1.063 1.216 1.300 1.418 1.561 1.732
30 0.738 0.871 1.024 1.131 1.302 1.414 1.543 1.726 1.935
31 0.768 0.921 1.076 1.210 1.385 1.517 1.685 1.878 2.125
32 0.793 0.958 1.141 1.277 1.476 1.631 1.832 2.051 2.323
33 0.796 0.984 1.182 1.350 1.588 1.763 1.990 2.233 2.522
34 0.779 0.986 1.213 1.412 1.682 1.877 2.123 2.391 2.692
35 0.789 1.027 1.291 1.536 1.826 2.055 2.322 2.621 2.952
36 0.811 1.096 1.412 1.689 2.037 2.288 2.602 2.925 3.279
37 0.866 1.189 1.554 1.883 2.276 2.559 2.897 3.267 3.663
38 0.943 1.312 1.747 2.114 2.553 2.857 3.230 3.653 4.069
39 1.037 1.483 1.966 2.372 2.846 3.193 3.609 4.052 4.525
40 1.157 1.667 2.211 2.668 3.177 3.551 3.999 4.489 5.007
41 1.278 1.854 2.482 2.979 3.544 3.933 4.404 4.940 5.530
42 1.401 2.055 2.745 3.299 3.911 4.330 4.848 5.433 6.067
43 1.526 2.247 3.017 3.609 4.281 4.742 5.298 5.916 6.573
44 1.651 2.445 3.278 3.933 4.654 5.159 5.750 6.392 7.071
45 1.792 2.646 3.553 4.284 5.068 5.603 6.230 6.895 7.616
46 1.927 2.848 3.842 4.662 5.535 6.100 6.763 7.480 8.261
47 2.062 3.086 4.183 5.081 6.069 6.675 7.378 8.156 9.072
48 2.199 3.350 4.564 5.553 6.683 7.368 8.132 8.976 10.017
49 2.348 3.630 4.976 6.079 7.357 8.142 9.007 9.930 11.033
50 2.493 3.940 5.418 6.640 8.052 8.955 9.936 10.946 12.073
51 2.645 4.256 5.895 7.222 8.750 9.773 10.855 11.962 13.085
52 2.805 4.595 6.382 7.808 9.431 10.536 11.717 12.869 14.063
53 2.976 4.932 6.861 8.365 10.080 11.216 12.424 13.662 15.013
54 3.166 5.275 7.337 8.915 10.706 11.803 13.053 14.405 15.918
55 3.364 5.649 7.855 9.504 11.311 12.406 13.701 15.126 16.837
56 3.603 6.063 8.433 10.133 11.970 13.076 14.422 15.933 17.760
57 3.892 6.558 9.080 10.862 12.732 13.877 15.298 16.859 18.716
58 4.235 7.133 9.860 11.748 13.688 14.905 16.375 17.966 19.795
59 4.628 7.801 10.774 12.776 14.863 16.134 17.645 19.232 21.092
60 5.070 8.550 11.771 13.911 16.197 17.500 19.041 20.637 22.548
61 5.586 9.335 12.805 15.121 17.587 18.924 20.508 22.124 24.131
62 6.160 10.124 13.823 16.364 18.943 20.351 21.980 23.686 25.810
63 6.791 11.021 14.935 17.611 20.259 21.684 23.384 25.206 27.466
64 7.485 12.064 16.169 18.865 21.550 22.996 24.761 26.686 29.166
65 8.238 13.128 17.433 20.086 22.879 24.371 26.211 28.343 31.080
66 9.030 14.127 18.578 21.279 24.263 25.866 27.916 30.323 33.384
67 9.887 14.945 19.496 22.428 25.715 27.596 29.968 32.779 36.419
68 10.783 15.631 20.246 23.499 27.267 29.603 32.510 36.037 40.189
69 11.732 16.278 20.919 24.538 28.905 31.899 35.696 39.935 44.674
70 12.721 16.838 21.530 25.515 30.605 34.580 39.298 44.385 49.766
71 13.643 18.055 23.058 27.295 32.869 37.103 42.150 47.569 53.292
72 14.630 19.336 24.666 29.323 35.277 39.804 45.185 50.947 57.063
73 15.646 20.659 26.465 31.427 37.792 42.609 48.317 54.467 60.949
74 16.449 21.807 27.900 33.119 39.800 44.834 50.827 57.247 64.001
75 17.050 22.578 28.881 34.260 41.131 46.315 52.465 59.041 65.953
76 17.456 23.105 29.534 35.004 42.008 47.268 53.495 60.146 67.113
77 17.848 23.606 30.149 35.721 42.832 48.152 54.449 61.154 68.179
78 18.607 24.590 31.396 37.166 44.524 50.011 56.492 63.394 70.602
79 19.842 26.213 33.438 39.549 47.339 53.116 59.948 67.201 74.769
80 ______ ______ ______ ______ ______ ______ ______ 70.___ 7_.356
[x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------- ------- ------- ------- ------- -------
0 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15
1 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16
2 0.261 0.283 0.365 0.459 0.600 0.735 0.873 17
3 0.282 0.363 0.456 0.595 0.728 0.864 1.058 18
4 0.363 0.454 0.592 0.723 0.857 1.048 1.147 19
5 0.455 0.591 0.721 0.853 1.042 1.138 1.176 20
6 0.593 0.722 0.852 1.039 1.133 1.170 1.706 21
7 0.725 0.854 1.040 1.133 1.167 1.730 1.662 22
8 0.863 1.048 1.138 1.170 1.761 1.689 1.639 23
9 1.057 1.146 1.176 1.798 1.722 1.668 1.631 24
10 1.155 1.183 1.837 1.757 1.702 1.663 1.606 25
11 1.167 1.835 1.750 1.690 1.646 1.585 1.536 26
12 1.828 1.738 1.672 1.623 1.558 1.505 1.441 27
13 1.727 1.654 1.599 1.528 1.470 1.401 1.425 28
14 1.652 1.592 1.517 1.455 1.382 1.401 1.419 29
15 1.587 1.519 1.451 1.372 1.386 1.397 1.425 30
16 1.537 1.450 1.380 1.390 1.397 1.421 1.432 31
17 1.480 1.406 1.413 1.417 1.438 1.446 1.413 32
18 1.438 1.363 1.392 1.424 1.443 1.429 1.403 33
19 1.379 1.330 1.390 1.423 1.444 1.439 1.435 34
20 1.338 1.306 1.366 1.389 1.430 1.456 1.457 35
21 1.546 1.509 1.518 1.528 1.540 1.551 1.524 36
22 1.468 1.458 1.468 1.508 1.545 1.585 1.597 37
23 1.398 1.423 1.454 1.523 1.595 1.651 1.717 38
24 1.354 1.424 1.460 1.564 1.672 1.761 1.851 39
25 1.366 1.453 1.537 1.675 1.815 1.917 2.040 40
26 1.438 1.547 1.680 1.829 1.993 2.138 2.271 41
27 1.563 1.696 1.849 2.020 2.216 2.387 2.524 42
28 1.727 1.869 2.034 2.228 2.452 2.638 2.808 43
29 1.954 2.106 2.279 2.488 2.712 2.918 3.124 44
30 2.174 2.349 2.540 2.753 2.993 3.224 3.488 45
31 2.389 2.585 2.796 3.029 3.300 3.569 3.861 46
32 2.617 2.834 3.077 3.342 3.653 3.950 4.295 47
33 2.845 3.096 3.372 3.699 4.049 4.400 4.800 48
34 3.024 3.325 3.659 4.045 4.469 4.888 5.400 49
35 3.303 3.653 4.026 4.474 4.970 5.462 6.060 50
36 3.671 4.046 4.465 4.979 5.551 6.100 6.723 51
37 4.074 4.485 4.952 5.523 6.155 6.771 7.368 52
38 4.525 4.962 5.477 6.079 6.772 7.474 8.080 53
39 5.014 5.490 6.026 6.670 7.423 8.227 8.878 54
40 5.567 6.053 6.611 7.296 8.114 9.037 9.821 55
41 6.133 6.654 7.254 7.985 8.884 9.917 10.915 56
42 6.727 7.303 7.972 8.766 9.737 10.880 12.105 57
43 7.336 7.996 8.764 9.644 10.687 11.925 13.354 58
44 7.955 8.742 9.622 10.610 11.741 13.060 14.617 59
45 8.629 9.545 10.550 11.662 12.899 14.272 15.895 60
46 9.362 10.398 11.534 12.800 14.117 15.589 17.284 61
47 10.204 11.331 12.595 13.969 15.433 17.060 18.820 62
48 11.152 12.344 13.680 15.198 16.855 18.671 20.590 63
49 12.204 13.405 14.828 16.517 18.383 20.426 22.560 64
50 13.273 14.510 16.056 17.913 19.998 22.289 24.662 65
51 14.364 15.727 17.445 19.530 21.920 24.552 27.297 66
52 15.473 17.034 19.007 21.409 24.184 27.264 30.507 67
53 16.545 18.330 20.545 23.214 26.280 29.753 33.415 68
54 17.620 19.692 22.264 25.276 28.743 32.683 36.808 69
55 18.708 21.063 23.947 27.280 31.056 35.428 39.852 70
56 19.836 22.499 25.730 29.389 33.552 38.403 43.441 71
57 21.039 23.970 27.469 31.438 35.944 41.164 46.835 72
58 22.345 25.502 29.290 33.615 38.510 44.206 50.318 73
59 23.751 27.191 31.338 36.145 41.677 48.022 54.813 74
60 25.282 28.927 33.337 38.584 44.648 51.563 59.206 75
61 26.940 30.855 35.673 41.483 48.283 56.213 64.834 76
62 28.730 32.881 38.013 44.308 51.923 60.517 70.010 77
63 30.569 35.059 40.676 47.843 56.285 65.801 76.576 78
64 32.470 37.353 43.704 51.607 60.931 71.403 83.487 79
65 34.635 40.114 47.056 55.707 65.917 77.360 90.554 80
66 37.394 43.340 50.885 60.239 71.262 83.700 97.583 81
67 40.767 47.213 55.301 65.267 77.045 90.410 105.077 82
68 44.915 51.856 60.391 70.875 83.250 97.482 112.908 83
69 49.794 57.209 66.141 76.983 89.825 104.871 121.671 84
70 55.283 63.212 72.430 83.528 96.735 112.533 131.132 85
71 59.185 67.780 77.767 89.788 104.068 121.170 141.277 86
72 63.311 72.794 83.824 97.067 112.831 131.679 153.856 87
73 67.561 78.000 90.112 104.675 121.968 142.679 168.317 88
74 70.890 81.945 94.792 110.215 128.533 151.583 178.948 89
75 72.966 84.481 97.835 113.852 133.886 158.028 186.739 90
76 74.190 85.806 99.271 116.293 136.651 161.222 190.393 91
77 75.288 86.992 101.311 118.592 139.293 164.236 193.844 92
78 77.888 90.594 105.424 123.355 144.796 170.628 203.026 93
79 83.033 96.504 112.254 131.263 153.994 182.942 217.661 94
80 88.059 102.302 118.923 138.984 164.377 195.262 232.278 95
DOMINION LIFE
EXPECTED MORTALITY ASSUMPTIONS (1000q)
MEDICAL PROJECTED
MALE SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
------ ------ ------ ------ ------ ------ ------ ------ ------
0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297 0.278
1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271 0.258
2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252 0.253
3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249 0.257
4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253 0.278
5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274 0.358
6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354 0.450
7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445 0.588
8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586 0.724
9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719 0.860
10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852 0.935
11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 0.903 1.002
12 0.288 0.368 0.457 0.590 0.725 0.824 0.869 0.962 1.007
13 0.371 0.458 0.589 0.710 0.843 0.839 0.925 0.966 1.016
14 0.459 0.588 0.707 0.825 0.848 0.895 0.931 0.977 0.963
15 0.589 0.707 0.814 0.811 0.882 0.894 0.951 0.935 0.929
16 0.714 0.820 0.783 0.828 0.873 0.913 0.911 0.904 0.896
17 0.821 0.784 0.804 0.823 0.912 0.872 0.871 0.871 0.867
18 0.738 0.774 0.793 0.853 0.880 0.827 0.825 0.828 0.828
19 0.706 0.750 0.807 0.809 0.822 0.770 0.772 0.773 0.788
20 0.658 0.745 0.763 0.759 0.762 0.701 0.716 0.722 0.743
21 0.615 0.689 0.725 0.728 0.736 0.688 0.735 0.767 0.825
22 0.546 0.618 0.660 0.662 0.668 0.645 0.674 0.712 0.779
23 0.492 0.553 0.598 0.599 0.617 0.597 0.631 0.677 0.737
24 0.433 0.490 0.531 0.551 0.569 0.563 0.598 0.646 0.707
25 0.394 0.440 0.491 0.511 0.548 0.552 0.589 0.640 0.707
26 0.371 0.421 0.466 0.497 0.549 0.563 0.605 0.663 0.739
27 0.370 0.409 0.459 0.505 0.561 0.585 0.642 0.710 0.797
28 0.378 0.421 0.473 0.523 0.583 0.621 0.687 0.772 0.874
29 0.402 0.447 0.497 0.552 0.627 0.674 0.757 0.859 0.980
30 0.428 0.477 0.532 0.587 0.672 0.733 0.824 0.949 1.095
31 0.446 0.505 0.559 0.628 0.715 0.786 0.900 1.033 1.202
32 0.460 0.525 0.592 0.663 0.762 0.845 0.979 1.128 1.314
33 0.462 0.539 0.614 0.701 0.820 0.914 1.063 1.228 1.427
34 0.452 0.541 0.630 0.734 0.868 0.973 1.134 1.315 1.523
35 0.458 0.563 0.670 0.798 0.942 1.065 1.240 1.442 1.670
36 0.471 0.601 0.734 0.877 1.052 1.186 1.390 1.609 1.855
37 0.503 0.652 0.807 0.978 1.175 1.326 1.547 1.797 2.072
38 0.547 0.719 0.907 1.098 1.318 1.481 1.725 2.010 2.302
39 0.602 0.813 1.021 1.232 1.469 1.655 1.927 2.229 2.560
40 0.671 0.914 1.148 1.386 1.640 1.840 2.136 2.469 2.833
41 0.742 1.017 1.289 1.547 1.829 2.039 2.353 2.718 3.129
42 0.813 1.127 1.426 1.714 2.019 2.244 2.590 2.989 3.433
43 0.886 1.232 1.567 1.875 2.210 2.458 2.830 3.255 3.719
44 0.959 1.340 1.703 2.043 2.403 2.674 3.071 3.517 4.001
45 1.040 1.451 1.846 2.225 2.617 2.905 3.328 3.794 4.309
46 1.119 1.562 1.996 2.422 2.858 3.162 3.612 4.116 4.674
47 1.197 1.692 2.173 2.639 3.134 3.460 3.941 4.487 5.133
48 1.277 1.837 2.371 2.885 3.450 3.819 4.344 4.938 5.667
49 1.363 1.990 2.585 3.158 3.798 4.221 4.811 5.463 6.242
50 1.447 2.160 2.815 3.449 4.157 4.642 5.307 6.022 6.831
51 1.536 2.334 3.063 3.752 4.518 5.066 5.799 6.581 7.404
52 1.629 2.520 3.315 4.056 4.869 5.461 6.259 7.080 7.957
53 1.728 2.705 3.564 4.345 5.204 5.814 6.637 7.517 8.495
54 1.838 2.893 3.811 4.632 5.528 6.118 6.972 7.925 9.006
55 1.953 3.098 4.080 4.937 5.840 6.431 7.319 8.322 9.526
56 2.092 3.325 4.381 5.264 6.180 6.778 7.704 8.766 10.049
57 2.260 3.596 4.717 5.643 6.573 7.194 8.172 9.276 10.590
58 2.459 3.911 5.122 6.103 7.067 7.726 8.747 9.885 11.200
59 2.687 4.278 5.597 6.637 7.674 8.364 9.426 10.581 11.934
60 2.943 4.688 6.115 7.227 8.363 9.072 10.171 11.354 12.758
61 3.243 5.119 6.652 7.855 9.081 9.810 10.955 12.173 13.654
62 3.576 5.552 7.181 8.501 9.781 10.550 11.741 13.032 14.604
63 3.943 6.043 7.759 9.149 10.460 11.241 12.492 13.868 15.541
64 4.346 6.615 8.400 9.800 11.126 11.921 13.227 14.683 16.503
65 4.783 7.199 9.057 10.435 11.813 12.634 14.002 15.594 17.585
66 5.243 7.747 9.651 11.055 12.527 13.409 14.913 16.684 18.889
67 5.741 8.196 10.128 11.652 13.277 14.306 16.009 18.035 20.606
68 6.261 8.572 10.518 12.208 14.079 15.346 17.367 19.828 22.739
69 6.812 8.926 10.868 12.748 14.924 16.536 19.068 21.972 25.277
70 7.386 9.234 11.185 13.256 15.802 17.926 20.992 24.420 28.158
71 7.922 9.901 11.979 14.180 16.971 19.234 22.516 26.172 30.153
72 8.495 10.603 12.814 15.234 18.214 20.635 24.137 28.031 32.287
73 9.085 11.329 13.749 16.327 19.513 22.088 25.810 29.967 34.486
74 9.551 11.958 14.494 17.206 20.550 23.242 27.151 31.497 36.213
75 9.900 12.381 15.004 17.799 21.237 24.010 28.026 32.484 37.317
76 10.135 12.670 15.343 18.185 21.690 24.504 28.576 33.092 37.974
77 10.363 12.945 15.663 18.558 22.115 24.962 29.086 33.647 38.577
78 10.804 13.485 16.310 19.308 22.989 25.926 30.177 34.879 39.948
79 11.521 14.375 17.372 20.546 24.442 27.536 32.024 36.974 42.306
80 12.227 15.242 18.404 21.749 25.845 29.091 33.796 38.983 44.901
[x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------- ------- -------
0 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15
1 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16
2 0.261 0.283 0.365 0.459 0.600 0.735 0.873 17
3 0.282 0.363 0.456 0.595 0.728 0.864 0.955 18
4 0.363 0.454 0.592 0.723 0.857 0.946 1.035 19
5 0.455 0.591 0.721 0.853 0.940 1.027 1.062 20
6 0.593 0.722 0.852 0.938 1.023 1.056 1.237 21
7 0.725 0.854 0.938 1.022 1.053 1.209 1.205 22
8 0.863 0.946 1.027 1.056 1.187 1.181 1.188 23
9 0.954 1.035 1.062 1.169 1.161 1.167 1.183 24
10 1.042 1.068 1.151 1.142 1.147 1.162 1.164 25
11 1.053 1.109 1.097 1.098 1.110 1.108 1.114 26
12 1.064 1.050 1.048 1.055 1.050 1.053 1.045 27
13 1.005 0.999 1.002 0.993 0.991 0.980 1.033 28
14 0.962 0.962 0.951 0.945 0.931 0.979 1.029 29
15 0.924 0.918 0.909 0.892 0.934 0.977 1.033 30
16 0.895 0.876 0.865 0.903 0.942 0.993 1.039 31
17 0.862 0.849 0.885 0.921 0.969 1.011 1.024 32
18 0.837 0.823 0.872 0.926 0.973 0.999 1.018 33
19 0.803 0.803 0.871 0.925 0.974 1.006 1.040 34
20 0.779 0.789 0.856 0.903 0.964 1.018 1.056 35
21 0.900 0.912 0.951 0.993 1.039 1.084 1.105 36
22 0.854 0.881 0.920 0.980 1.042 1.108 1.158 37
23 0.814 0.859 0.911 0.990 1.076 1.154 1.245 38
24 0.788 0.860 0.915 1.017 1.128 1.231 1.342 39
25 0.795 0.878 0.963 1.089 1.224 1.340 1.480 40
26 0.837 0.935 1.052 1.189 1.343 1.495 1.647 41
27 0.910 1.024 1.159 1.313 1.494 1.669 1.830 42
28 1.005 1.129 1.275 1.448 1.653 1.845 2.036 43
29 1.137 1.272 1.428 1.617 1.829 2.041 2.265 44
30 1.266 1.419 1.592 1.789 2.018 2.254 2.530 45
31 1.391 1.561 1.752 1.969 2.225 2.496 2.800 46
32 1.524 1.712 1.929 2.173 2.463 2.762 3.115 47
33 1.656 1.870 2.113 2.405 2.730 3.077 3.481 48
34 1.761 2.008 2.293 2.629 3.013 3.418 3.916 49
35 1.923 2.207 2.523 2.908 3.351 3.819 4.395 50
36 2.137 2.444 2.798 3.237 3.743 4.265 4.875 51
37 2.372 2.710 3.103 3.591 4.150 4.735 5.343 52
38 2.635 2.998 3.432 3.952 4.566 5.227 5.860 53
39 2.919 3.316 3.776 4.336 5.005 5.753 6.438 54
40 3.241 3.657 4.143 4.743 5.471 6.319 7.123 55
41 3.571 4.019 4.546 5.191 5.990 6.935 7.915 56
42 3.917 4.412 4.996 5.699 6.565 7.608 8.779 57
43 4.271 4.830 5.493 6.269 7.206 8.339 9.685 58
44 4.632 5.281 6.030 6.897 7.917 9.133 10.600 59
45 5.024 5.766 6.612 7.582 8.698 9.980 11.527 60
46 5.451 6.281 7.229 8.321 9.518 10.902 12.535 61
47 5.941 6.845 7.894 9.081 10.406 11.930 13.649 62
48 6.493 7.457 8.573 9.880 11.365 13.057 14.932 63
49 7.106 8.098 9.293 10.737 12.395 14.284 16.361 64
50 7.728 8.766 10.063 11.645 13.484 15.586 17.885 65
51 8.363 9.501 10.933 12.696 14.780 17.169 19.796 66
52 9.009 10.291 11.912 13.918 16.306 19.066 22.125 67
53 9.633 11.073 12.876 15.092 17.720 20.806 24.233 68
54 10.259 11.897 13.954 16.432 19.381 22.855 26.694 69
55 10.892 12.725 15.009 17.735 20.940 24.775 28.901 70
56 11.550 13.592 16.126 19.106 22.624 26.855 31.504 71
57 12.250 14.481 17.215 20.438 24.236 28.786 33.966 72
58 13.010 15.406 18.357 21.853 25.966 30.914 36.492 73
59 13.829 16.426 19.640 23.498 28.102 33.582 39.752 74
60 14.721 17.475 20.893 25.084 30.105 36.058 42.937 75
61 15.686 18.640 22.357 26.968 32.556 39.310 47.019 76
62 16.728 19.864 23.824 28.804 35.010 42.320 50.772 77
63 17.799 21.180 25.493 31.103 37.951 46.015 55.535 78
64 18.906 22.566 27.391 33.550 41.084 49.932 60.547 79
65 20.166 24.234 29.492 36.215 44.446 54.098 65.672 80
66 21.773 26.183 31.891 39.162 48.050 58.531 70.770 81
67 23.737 28.523 34.659 42.430 51.950 63.224 76.204 82
68 26.152 31.328 37.849 46.076 56.134 68.170 81.883 83
69 28.993 34.562 41.453 50.047 60.567 73.337 88.239 84
70 32.189 38.188 45.394 54.302 65.226 78.695 95.100 85
71 34.460 40.948 48.739 58.372 70.171 84.734 102.458 86
72 36.863 43.977 52.535 63.104 76.080 92.084 111.580 87
73 39.338 47.122 56.476 68.050 82.241 99.776 122.067 88
74 41.276 49.505 59.409 71.651 86.667 106.002 129.777 89
75 42.485 51.038 61.317 74.016 90.277 110.510 135.428 90
76 43.198 51.838 62.216 75.603 92.141 112.743 138.077 91
77 43.837 52.555 63.495 77.097 93.923 114.851 140.580 92
78 45.351 54.731 66.073 80.193 97.633 119.321 147.239 93
79 48.347 58.301 70.354 85.335 103.835 127.932 157.853 94
80 51.273 61.804 74.533 90.354 110.836 136.548 168.454 95
DOMINION LIFE
EXPECTED MORTALITY ASSUMPTIONS (1000___
MEDICAL PROJECTED
FEMALE PREFERRED NONSMOKER
[x] [x]+1 [x]+2 [x)+3 [x]+4 [x]+5 [x]+6 [x]+7
----- ----- ----- ------ ------ ------ ------ ------
0 0.922 0.542 0.342 0.265 0.219 0.192 0.168 0.157
1 0.542 0.342 0.265 0.216 0.198 0.168 0.156 0.140
2 0.342 0.265 0.216 0.195 0.173 0.156 0.140 0.128
3 0.265 0.216 0.195 0.171 0.161 0.140 0.128 0.124
4 0.216 0.195 0.171 0.159 0.144 0.128 0.124 0.124
5 0.195 0.171 0.159 0.142 0.132 0.124 0.124 0.132
6 0.171 0.159 0.142 0.130 0.128 0.124 0.132 0.169
7 0.159 0.142 0.130 0.126 0.128 0.132 0.168 0.209
8 0.142 0.130 0.126 0.126 0.136 0.168 0.209 0.269
9 0.130 0.126 0.126 0.134 0.173 0.208 0.269 0.326
10 0.126 0.126 0.134 0.171 0.215 0.268 0.325 0.382
11 0.126 0.134 0.171 0.212 0.277 0.324 0.382 0.378
12 0.134 0.171 0.212 0.273 0.335 0.380 0.367 0.410
13 0.171 0.212 0.273 0.330 0.393 0.355 0.397 0.420
14 0.212 0.273 0.330 0.387 0.358 0.385 0.408 0.312
15 0.269 0.326 0.379 0.336 0.374 0.388 0.302 0.299
16 0.326 0.379 0.324 0.346 0.374 0.288 0.290 0.290
17 0.383 0.305 0.339 0.352 0.287 0.277 0.279 0.281
18 0.289 0.307 0.342 0.267 0.279 0.265 0.266 0.270
19 0.282 0.304 0.254 0.255 0.261 0.247 0.251 0.254
20 0.268 0.220 0.242 0.240 0.243 0.227 0.235 0.237
21 0.194 0.214 0.237 0.233 0.235 0.220 0.232 0.240
22 0.185 0.206 0.231 0.228 0.230 0.219 0.228 0.236
23 0.181 0.199 0.228 0.225 0.229 0.220 0.229 0.239
24 0.173 0.193 0.221 0.223 0.230 0.224 0.231 0.245
25 0.168 0.185 0.216 0.221 0.233 0.229 0.240 0.258
26 0.160 0.177 0.207 0.214 0.231 0.232 0.247 0.269
27 0.161 0.174 0.203 0.216 0.235 0.243 0.265 0.290
28 0.163 0.176 0.204 0.219 0.242 0.256 0.281 0.317
29 0.168 0.180 0.208 0.226 0.256 0.273 0.307 0.349
30 0.175 0.189 0.221 0.239 0.272 0.297 0.335 0.386
31 0.179 0.198 0.230 0.254 0.290 0.320 0.366 0.419
32 0.180 0.201 0.238 0.264 0.304 0.338 0.391 0.451
33 0.176 0.201 0.243 0.275 0.322 0.359 0.418 0.482
34 0.170 0.201 0.249 0.287 0.339 0.382 0.445 0.515
35 0.170 0.207 0.261 0.307 0.364 0.412 0.479 0.557
36 0.170 0.215 0.277 0.328 0.394 0.444 0.521 0.605
37 0.176 0.226 0.296 0.355 0.426 0.483 0.564 0.657
38 0.189 0.246 0.329 0.393 0.473 0.534 0.624 0.729
39 0.206 0.275 0.365 0.437 0.522 0.591 0.691 0.810
40 0.223 0.300 0.399 0.477 0.567 0.640 0.753 0.882
41 0.238 0.323 0.436 0.518 0.616 0.696 0.815 0.954
42 0.259 0.355 0.478 0.569 0.680 0.768 0.899 1.051
43 0.274 0.377 0.510 0.611 0.732 0.827 0.965 1.127
44 0.288 0.399 0.544 0.654 0.781 0.883 1.031 1.204
45 0.303 0.424 0.579 0.700 0.835 0.944 1.104 1.289
46 0.320 0.448 0.614 0.747 0.897 1.015 1.189 1.389
47 0.336 0.476 0.656 0.801 0.971 1.101 1.287 1.504
48 0.351 0.506 0.704 0.863 1.060 1.206 1.409 1.651
49 0.367 0.539 0.756 0.936 1.157 1.323 1.555 1.821
50 0.383 0.577 0.815 1.013 1.256 1.449 1.710 2.003
51 0.410 0.631 0.900 1.119 1.391 1.613 1.908 2.234
52 0.440 0.691 0.989 1.233 1.530 1.776 2.101 2.461
53 0.474 0.753 1.083 1.347 1.669 1.929 2.281 2.674
54 0.512 0.821 1.182 1.467 1.809 2.078 2.453 2.876
55 0.554 0.896 1.292 1.595 1.957 2.236 2.626 3.080
56 0.605 0.982 1.415 1.741 2.120 2.404 2.819 3.307
57 0.668 1.084 1.560 1.911 2.300 2.602 3.049 3.571
58 0.741 1.207 1.734 2.108 2.522 2.849 3.330 3.887
59 0.829 1.352 1.933 2.338 2.792 3.147 3.665 4.252
60 0.930 1.511 2.154 2.595 3.105 3.487 4.042 4.661
61 1.045 1.683 2.389 2.879 3.443 3.853 4.448 5.111
62 1.176 1.861 2.632 3.182 3.790 4.233 4.876 5.598
63 1.321 2.067 2.904 3.500 4.141 4.614 5.307 6.091
64 1.486 2.311 3.213 3.830 4.506 5.005 5.745 6.597
65 1.671 2.570 3.539 4.171 4.894 5.424 6.222 7.164
66 1.872 2.826 3.858 4.520 5.306 5.889 6.775 7.837
67 2.094 3.057 4.142 4.872 5.753 6.424 7.437 8.661
68 2.335 3.271 4.398 5.221 6.237 7.046 8.248 9.681
69 2.600 3.483 4.648 5.574 6.761 7.762 9.207 10.914
70 2.882 3.686 4.891 5.927 7.318 8.554 10.312 12.336
71 3.162 4.041 5.357 6.483 7.990 9.338 11.248 13.454
72 3.467 4.425 5.858 7.080 8.725 10.188 12.270 14.673
73 3.791 4.834 6.390 7.720 9.505 11.098 13.361 15.975
74 4.075 5.187 6.853 8.273 10.187 11.892 14.313 17.104
75 4.294 5.464 7.214 8.709 10.720 12.510 15.051 17.982
76 4.473 5.686 7.508 9.061 11.150 13.006 15.644 18.688
77 4.651 5.912 7.805 9.417 11.581 13.506 16.243 19.398
78 4.934 6.271 8.276 9.981 12.272 14.310 17.205 20.543
79 5.358 6.808 8.980 10.827 13.311 15.517 18.652 22.267
80 _.___ _.___ _.___ __.___ __.___ __.___ __.___ __.___
[x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x)+14 ULT
------ ------ ------ ------ ------ ------ ------ -------
0 0.142 0.130 0.125 0.123 0.130 0.164 0.201 0.257 15
1 0.129 0.126 0.125 0.131 0.166 0.203 0.259 0.310 16
2 0.125 0.126 0.133 0.167 0.205 0.262 0.314 0.364 17
3 0.125 0.134 0.169 0.207 0.265 0.317 0.368 0.377 18
4 0.134 0.171 0.209 0.267 0.320 0.372 0.381 0.409 19
5 0.170 0.212 0.270 0.323 0.375 0.385 0.413 0.420 20
6 0.211 0.273 0.327 0.379 0.389 0.417 0.424 0.329 21
7 0.272 0.330 0.383 0.393 0.421 0.428 0.329 0.315 22
8 0.328 0.387 0.397 0.426 0.432 0.329 0.316 0.305 23
9 0.385 0.401 0.430 0.437 0.330 0.316 0.306 0.298 24
10 0.389 0.434 0.441 0.330 0.316 0.306 0.299 0.289 25
11 0.422 0.446 0.330 0.317 0.306 0.299 0.289 0.283 26
12 0.433 0.331 0.317 0.307 0.299 0.290 0.283 0.271 27
13 0.321 0.317 0.307 0.300 0.290 0.283 0.271 0.279 28
14 0.308 0.307 0.300 0.290 0.284 0.271 0.279 0.283 29
15 0.298 0.298 0.291 0.284 0.272 0.279 0.284 0.290 30
16 0.289 0.291 0.282 0.272 0.280 0.284 0.290 0.296 31
17 0.283 0.284 0.274 0.282 0.286 0.291 0.296 0.295 32
18 0.274 0.277 0.268 0.278 0.286 0.293 0.296 0.298 33
19 0.259 0.266 0.260 0.273 0.283 0.294 0.300 0.307 34
20 0.247 0.258 0.254 0.269 0.280 0.295 0.309 0.321 35
21 0.254 0.269 0.270 0.282 0.296 0.312 0.333 0.348 36
22 0.252 0.271 0.278 0.290 0.309 0.333 0.361 0.384 37
23 0.256 0.279 0.290 0.304 0.331 0.360 0.387 0.419 38
24 0.266 0.293 0.314 0.330 0.364 0.400 0.433 0.471 39
25 0.283 0.315 0.341 0.369 0.410 0.452 0.488 0.530 40
26 0.297 0.336 0.368 0.405 0.448 0.496 0.541 0.583 41
27 0.326 0.372 0.409 0.450 0.498 0.551 0.599 0.641 42
28 0.359 0.412 0.450 0.494 0.546 0.605 0.657 0.707 43
29 0.398 0.460 0.502 0.547 0.601 0.662 0.720 0.779 44
30 0.445 0.514 0.559 0.608 0.663 0.728 0.791 0.863 45
31 0.489 0.564 0.613 0.667 0.727 0.798 0.870 0.957 46
32 0.525 0.607 0.660 0.720 0.786 0.864 0.948 1.046 47
33 0.560 0.650 0.711 0.779 0.860 0.957 1.057 1.172 48
34 0.597 0.691 0.763 0.844 0.946 1.061 1.178 1.320 49
35 0.647 0.746 0.827 0.922 1.037 1.166 1.296 1.460 50
36 0.699 0.808 0.900 1.005 1.134 1.279 1.426 1.601 51
37 0.761 0.880 0.981 1.095 1.236 1.397 1.565 1.741 52
38 0.846 0.980 1.084 1.206 1.353 1.530 1.720 1.896 53
39 0.943 1.088 1.201 1.333 1.498 1.699 1.920 2.115 54
40 1.026 1.188 1.306 1.447 1.627 1.844 2.096 2.334 55
41 1.113 1.290 1.424 1.587 1.787 2.036 2.336 2.645 56
42 1.227 1.427 1.583 1.768 1.992 2.274 2.614 2.996 57
43 1.315 1.545 1.729 1.947 2.210 2.528 2.916 3.373 58
44 1.404 1.665 1.886 2.149 2.454 2.817 3.247 3.779 59
45 1.502 1.796 2.063 2.369 2.726 3.135 3.620 4.207 60
46 1.620 1.945 2.252 2.608 3.020 3.487 4.033 4.666 61
47 1.774 2.116 2.453 2.844 3.302 3.818 4.404 5.069 62
48 1.955 2.310 2.667 3.093 3.596 4.160 4.807 5.528 63
49 2.150 2.523 2.899 3.355 3.897 4.523 5.240 6.040 64
50 2.346 2.745 3.151 3.649 4.261 4.978 5.812 6.744 65
51 2.603 3.041 3.474 4.023 4.700 5.511 6.456 7.513 66
52 2.864 3.341 3.819 4.423 5.178 6.086 7.145 8.326 67
53 3.118 3.644 4.179 4.854 5.692 6.692 7.869 9.193 68
54 3.372 3.956 4.558 5.320 6.240 7.334 8.631 10.068 69
55 3.636 4.286 4.967 5.818 6.831 8.027 9.459 10.990 70
56 3.914 4.642 5.408 6.355 7.472 8.788 10.361 12.087 71
57 4.213 5.031 5.886 6.940 8.177 9.625 11.361 13.324 72
58 4.554 5.459 6.406 7.570 8.940 10.549 12.475 14.637 73
59 4.957 5.935 6.970 8.241 9.762 11.563 13.698 16.081 74
60 5.420 6.463 7.581 8.968 10.655 12.667 15.037 17.658 75
61 5.934 7.042 8.284 9.839 11.766 14.089 16.795 19.862 76
62 6.490 7.682 9.060 10.804 12.995 15.638 18.744 22.307 77
63 7.065 8.357 9.929 11.941 14.486 17.601 21.258 25.591 78
64 7.670 9.077 10.830 13.077 15.960 19.481 23.632 28.640 79
65 8.358 9.899 11.884 14.469 17.780 21.864 26.697 32.530 80
66 9.178 10.865 13.079 15.952 19.639 24.188 29.592 35.964 81
67 10.179 12.050 14.563 17.814 21.976 27.122 33.293 40.512 82
68 11.428 13.502 16.298 19.858 24.387 29.989 36.791 44.687 83
69 12.919 15.232 18.400 22.359 27.354 33.562 41.229 50.362 84
70 14.645 17.221 20.806 25.175 30.657 37.497 46.079 56.737 85
71 15.970 18.775 22.837 27.807 34.055 41.856 51.670 63.891 86
72 17.414 20.459 25.152 30.915 38.167 47.255 58.718 73.030 87
73 18.948 22.256 27.656 34.295 42.672 53.190 66.498 83.110 88
74 20.282 23.823 29.800 37.169 46.482 58.194 72.985 91.512 89
75 21.322 25.034 31.531 39.556 49.703 62.454 78.603 98.871 90
76 22.150 26.003 32.748 41.076 51.585 64.804 81.560 102.570 91
77 22.988 26.983 33.978 42.594 53.479 67.184 84.538 106.315 92
78 24.341 28.568 35.953 45.061 56.576 71.060 89.415 112.393 93
79 26.382 30.945 38.936 48.799 61.257 76.940 96.765 121.618 94
80 __.___ __.___ __.___ __.___ __.___ __.___ ___.___ ___.___ 95
DOMINION LIFE
EXPECTED MORTALITY ASSUMPTIONS (1000___
MEDICAL PROJECTED
FEMALE NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
------ ------ ------ ------ ------ ------ ------ ------
0 0.922 0.542 0.342 0.265 0.219 0.192 0.168 0.157
1 0.542 0.342 0.265 0.216 0.198 0.168 0.156 0.140
2 0.342 0.265 0.216 0.195 0.173 0.156 0.140 0.128
3 0.265 0.216 0.195 0.171 0.161 0.140 0.128 0.124
4 0.216 0.195 0.171 0.159 0.144 0.128 0.124 0.124
5 0.195 0.171 0.159 0.142 0.132 0.124 0.124 0.132
6 0.171 0.159 0.142 0.130 0.128 0.124 0.132 0.169
7 0.159 0.142 0.130 0.126 0.128 0.132 0.168 0.209
8 0.142 0.130 0.126 0.126 0.136 0.168 0.209 0.269
9 0.130 0.126 0.126 0.134 0.173 0.208 0.269 0.326
10 0.126 0.126 0.134 0.171 0.215 0.268 0.325 0.382
11 0.126 0.134 0.171 0.212 0.277 0.324 0.382 0.430
12 0.134 0.171 0.212 0.273 0.335 0.380 0.430 0.467
13 0.171 0.212 0.273 0.330 0.393 0.428 0.466 0.479
14 0.212 0.273 0.330 0.387 0.443 0.464 0.478 0.513
15 0.269 0.326 0.379 0.424 0.463 0.468 0.513 0.492
16 0.326 0.379 0.408 0.436 0.463 0.501 0.492 0.477
17 0.383 0.411 0.427 0.443 0.513 0.483 0.474 0.463
18 0.391 0.415 0.431 0.486 0.499 0.461 0.451 0.445
19 0.381 0.410 0.463 0.464 0.467 0.430 0.425 0.418
20 0.362 0.430 0.440 0.436 0.435 0.395 0.398 0.391
21 0.378 0.417 0.431 0.425 0.421 0.383 0.393 0.395
22 0.360 0.401 0.421 0.415 0.411 0.382 0.386 0.388
23 0.352 0.389 0.415 0.409 0.409 0.384 0.388 0.394
24 0.338 0.376 0.402 0.407 0.411 0.389 0.392 0.404
25 0.328 0.362 0.394 0.403 0.416 0.399 0.407 0.424
26 0.313 0.346 0.376 0.390 0.413 0.405 0.419 0.442
27 0.313 0.340 0.370 0.392 0.421 0.424 0.449 0.478
28 0.319 0.344 0.372 0.399 0.433 0.446 0.477 0.521
29 0.328 0.352 0.379 0.412 0.457 0.475 0.520 0.573
30 0.341 0.369 0.402 0.436 0.486 0.518 0.568 0.635
31 0.349 0.386 0.419 0.462 0.518 0.557 0.620 0.690
32 0.350 0.392 0.433 0.480 0.544 0.588 0.662 0.742
33 0.343 0.393 0.442 0.500 0.575 0.624 0.708 0.794
34 0.332 0.393 0.453 0.522 0.607 0.665 0.753 0.847
35 0.332 0.404 0.476 0.559 0.651 0.717 0.811 0.916
36 0.332 0.419 0.504 0.597 0.704 0.773 0.883 0.995
37 0.344 0.440 0.539 0.645 0.762 0.840 0.956 1.081
38 0.369 0.481 0.599 0.715 0.846 0.929 1.057 1.199
39 0.402 0.536 0.665 0.794 0.934 1.030 1.172 1.332
40 0.435 0.584 0.726 0.869 1.015 1.114 1.275 1.450
41 0.465 0.631 0.793 0.943 1.101 1.212 1.380 1.569
42 0.504 0.693 0.869 1.036 1.216 1.337 1.523 1.728
43 0.534 0.736 0.929 1.113 1.308 1.439 1.634 1.854
44 0.561 0.779 0.990 1.191 1.396 1.537 1.747 1.980
45 0.592 0.826 1.053 1.273 1.492 1.643 1.870 2.120
46 0.624 0.873 1.118 1.359 1.604 1.767 2.014 2.284
47 0.655 0.927 1.193 1.457 1.736 1.917 2.180 2.474
48 0.684 0.987 1.280 1.571 1.895 2.099 2.386 2.715
49 0.716 1.051 1.376 1.703 2.068 2.302 2.634 2.995
50 0.747 1.124 1.484 1.844 2.246 2.522 2.896 3.295
51 0.799 1.230 1.637 2.036 2.487 2.807 3.231 3.674
52 0.858 1.347 1.799 2.243 2.734 3.090 3.559 4.047
53 0.923 1.468 1.971 2.451 2.984 3.357 3.864 4.398
54 0.997 1.600 2.150 2.668 3.234 3.617 4.155 4.729
55 1.080 1.747 2.350 2.902 3.498 3.891 4.448 5.065
56 1.180 1.915 2.575 3.168 3.789 4.183 4.776 5.439
57 1.302 2.114 2.838 3.476 4.111 4.528 5.165 5.873
58 1.445 2.354 3.155 3.834 4.508 4.958 5.641 6.393
59 1.617 2.635 3.516 4.253 4.990 5.477 6.209 6.993
60 1.813 2.946 3.918 4.721 5.549 6.068 6.846 7.666
61 2.038 3.280 4.346 5.237 6.154 6.705 7.533 8.406
62 2.292 3.627 4.787 5.789 6.774 7.367 8.259 9.207
63 2.576 4.029 5.283 6.366 7.401 8.028 8.989 10.017
64 2.897 4.504 5.845 6.967 8.053 8.710 9.731 10.850
65 3.257 5.009 6.438 7.587 8.746 9.438 10.538 11.782
66 3.648 5.507 7.017 8.223 9.483 10.247 11.475 12.889
67 4.081 5.959 7.534 8.861 10.282 11.178 12.597 14.244
68 4.552 6.376 7.999 9.498 11.147 12.261 13.970 15.920
69 5.067 6.789 8.455 10.140 12.083 13.507 15.594 17.948
70 5.617 7.184 8.897 10.782 13.080 14.886 17.466 20.287
71 6.163 7.876 9.744 11.792 14.280 16.249 19.051 22.125
72 6.757 8.625 10.656 12.878 15.593 17.728 20.783 24.131
73 7.389 9.421 11.623 14.042 16.988 19.312 22.631 26.271
74 7.942 10.109 12.466 15.049 18.206 20.693 24.243 28.129
75 8.369 10.649 13.123 15.842 19.160 21.769 25.492 29.573
76 8.717 11.082 13.656 16.482 19.927 22.632 26.497 30.733
77 9.064 11.522 14.196 17.129 20.698 23.502 27.513 31.901
78 9.616 12.222 15.055 18.155 21.933 24.901 29.142 33.783
79 10.442 13.268 16.334 19.693 23.789 27.000 31.592 36.619
80 __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___
[x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------ ------- ------- -------
0 0.142 0.130 0.125 0.123 0.130 0.164 0.201 0.257 15
1 0.129 0.126 0.125 0.131 0.166 0.203 0.259 0.310 16
2 0.125 0.126 0.133 0.167 0.205 0.262 0.314 0.364 17
3 0.125 0.134 0.169 0.207 0.265 0.317 0.368 0.410 18
4 0.134 0.171 0.209 0.267 0.320 0.372 0.414 0.445 19
5 0.170 0.212 0.270 0.323 0.375 0.419 0.449 0.456 20
6 0.211 0.273 0.327 0.379 0.423 0.454 0.461 0.433 21
7 0.272 0.330 0.383 0.427 0.458 0.466 0.447 0.415 22
8 0.328 0.387 0.431 0.463 0.470 0.461 0.429 0.402 23
9 0.385 0.436 0.468 0.475 0.475 0.442 0.415 0.393 24
10 0.434 0.473 0.480 0.490 0.456 0.428 0.406 0.381 25
11 0.471 0.485 0.505 0.470 0.441 0.419 0.393 0.372 26
12 0.483 0.520 0.484 0.455 0.432 0.405 0.384 0.357 27
13 0.518 0.499 0.469 0.445 0.418 0.397 0.368 0.367 28
14 0.497 0.483 0.458 0.431 0.409 0.380 0.379 0.373 29
15 0.481 0.468 0.444 0.421 0.391 0.391 0.385 0.381 30
16 0.466 0.457 0.430 0.403 0.403 0.397 0.394 0.389 31
17 0.456 0.447 0.419 0.418 0.412 0.407 0.402 0.389 32
18 0.441 0.435 0.410 0.412 0.412 0.410 0.403 0.393 33
19 0.418 0.419 0.397 0.405 0.408 0.411 0.407 0.404 34
20 0.398 0.406 0.387 0.399 0.403 0.413 0.419 0.422 35
21 0.409 0.424 0.413 0.418 0.427 0.437 0.452 0.459 36
22 0.406 0.426 0.424 0.430 0.446 0.466 0.489 0.506 37
23 0.412 0.438 0.444 0.452 0.477 0.504 0.526 0.552 38
24 0.428 0.461 0.479 0.490 0.525 0.560 0.589 0.620 39
25 0.455 0.495 0.522 0.547 0.590 0.633 0.663 0.699 40
26 0.479 0.529 0.562 0.602 0.645 0.694 0.734 0.768 41
27 0.526 0.586 0.624 0.667 0.717 0.771 0.813 0.844 42
28 0.578 0.648 0.687 0.734 0.786 0.846 0.892 0.931 43
29 0.641 0.724 0.766 0.812 0.867 0.926 0.978 1.026 44
30 0.716 0.808 0.854 0.901 0.956 1.018 1.073 1.137 45
31 0.788 0.887 0.936 0.989 1.048 1.117 1.181 1.260 46
32 0.846 0.954 1.008 1.069 1.133 1.209 1.287 1.378 47
33 0.902 1.021 1.086 1.156 1.240 1.338 1.435 1.543 48
34 0.961 1.086 1.165 1.252 1.363 1.484 1.599 1.739 49
35 1.042 1.172 1.263 1.367 1.493 1.630 1.759 1.923 50
36 1.127 1.269 1.374 1.491 1.634 1.789 1.936 2.108 51
37 1.225 1.384 1.498 1.625 1.780 1.954 2.124 2.293 52
38 1.363 1.540 1.655 1.789 1.950 2.140 2.335 2.497 53
39 1.518 1.710 1.834 1.978 2.158 2.376 2.606 2.785 54
40 1.652 1.866 1.994 2.146 2.344 2.580 2.846 3.073 55
41 1.793 2.026 2.174 2.354 2.574 2.847 3.171 3.483 56
42 1.976 2.242 2.418 2.623 2.869 3.181 3.549 3.945 57
43 2.118 2.428 2.640 2.888 3.183 3.536 3.958 4.441 58
44 2.262 2.617 2.880 3.187 3.535 3.939 4.407 4.977 59
45 2.420 2.822 3.150 3.515 3.926 4.384 4.913 5.539 60
46 2.609 3.056 3.439 3.869 4.350 4.877 5.473 6.144 61
47 2.858 3.325 3.745 4.218 4.756 5.340 5.977 6.674 62
48 3.148 3.630 4.072 4.588 5.181 5.818 6.524 7.280 63
49 3.463 3.964 4.427 4.976 5.613 6.325 7.112 7.954 64
50 3.778 4.313 4.811 5.412 6.138 6.961 7.888 8.881 65
51 4.193 4.778 5.305 5.967 6.770 7.707 8.763 9.893 66
52 4.612 5.249 5.831 6.561 7.459 8.512 9.698 10.964 67
53 5.022 5.725 6.380 7.201 8.200 9.359 10.681 12.104 68
54 5.431 6.216 6.959 7.891 8.989 10.256 11.715 13.256 69
55 5.856 6.734 7.584 8.630 9.840 11.226 12.838 14.471 70
56 6.304 7.293 8.257 9.427 10.764 12.290 14.063 15.915 71
57 6.785 7.905 8.988 10.293 11.779 13.461 15.420 17.544 72
58 7.334 8.577 9.780 11.229 12.878 14.753 16.931 19.273 73
59 7.983 9.325 10.641 12.223 14.063 16.172 18.592 21.174 74
60 8.729 10.155 11.575 13.302 15.348 17.715 20.408 23.251 75
61 9.557 11.064 12.648 14.594 16.948 19.704 22.795 26.153 76
62 10.451 12.070 13.833 16.025 18.719 21.870 25.441 29.372 77
63 11.378 13.130 15.160 17.711 20.867 24.616 28.853 33.697 78
64 12.353 14.262 16.535 19.397 22.991 27.244 32.074 37.711 79
65 13.460 15.552 18.144 21.462 25.613 30.577 36.234 42.833 80
66 14.781 17.070 19.970 23.661 28.290 33.827 40.163 47.354 81
67 16.393 18.933 22.235 26.423 31.657 37.931 45.187 53.343 82
68 18.404 21.213 24.883 29.455 35.130 41.939 49.935 58.840 83
69 20.805 23.932 28.094 33.164 39.403 46.937 55.958 66.312 84
70 23.584 27.057 31.766 37.341 44.162 52.439 62.541 74.706 85
71 25.718 29.499 34.868 41.244 49.056 58.536 70.129 84.126 86
72 28.044 32.145 38.402 45.856 54.980 66.086 79.695 96.160 87
73 30.514 34.968 42.225 50.868 61.468 74.387 90.254 109.433 88
74 32.663 37.430 45.500 55.131 66.958 81.385 99.058 120.495 89
75 34.337 39.332 48.142 58.672 71.598 87.342 106.683 130.185 90
76 35.672 40.855 50.000 60.927 74.307 90.628 110.696 135.055 91
77 37.020 42.394 51.878 63.178 77.037 93.957 114.739 139.987 92
78 39.199 44.886 54.894 66.837 81.498 99.378 121.359 147.989 93
79 42.486 48.619 59.448 72.381 88.241 107.600 131.333 160.137 94
80 __.___ __.___ __.___ __.___ __.___ ___.___ 141.485 172.515 95
DOMINION LIFE
EXPECTED MORTALITY ASSUMPTIONS (1000___
MEDICAL PROJECTED
FEMALE SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
------ ------ ------ ------ ------ ------ ------ ------ ------
0 0.922 0.542 0.342 0.265 0.219 0.192 0.168 0.157 0.142
1 0.542 0.342 0.265 0.216 0.198 0.168 0.156 0.140 0.129
2 0.342 0.265 0.216 0.195 0.173 0.156 0.140 0.128 0.125
3 0.265 0.216 0.195 0.171 0.161 0.140 0.128 0.124 0.125
4 0.216 0.195 0.171 0.159 0.144 0.128 0.124 0.124 0.134
5 0.195 0.171 0.159 0.142 0.132 0.124 0.124 0.132 0.170
6 0.171 0.159 0.142 0.130 0.128 0.124 0.132 0.169 0.211
7 0.159 0.142 0.130 0.126 0.128 0.132 0.168 0.209 0.272
8 0.142 0.130 0.126 0.126 0.136 0.168 0.209 0.269 0.328
9 0.130 0.126 0.126 0.134 0.173 0.208 0.269 0.326 0.385
10 0.126 0.126 0.134 0.171 0.215 0.268 0.325 0.382 0.473
11 0.126 0.134 0.171 0.212 0.277 0.324 0.382 0.478 0.513
12 0.134 0.171 0.212 0.273 0.335 0.380 0.483 0.518 0.527
13 0.171 0.212 0.273 0.330 0.393 0.488 0.524 0.532 0.878
14 0.212 0.273 0.330 0.387 0.500 0.529 0.537 0.887 0.858
15 0.269 0.326 0.379 0.474 0.524 0.534 0.896 0.867 0.846
16 0.326 0.379 0.456 0.487 0.524 0.889 0.875 0.854 0.834
17 0.383 0.435 0.478 0.496 0.901 0.873 0.858 0.844 0.830
18 0.391 0.439 0.481 0.845 0.893 0.848 0.832 0.825 0.818
19 0.381 0.434 0.805 0.821 0.851 0.805 0.797 0.789 0.791
20 0.362 0.708 0.780 0.787 0.806 0.752 0.760 0.754 0.774
21 0.588 0.700 0.777 0.780 0.794 0.742 0.767 0.784 0.821
22 0.571 0.685 0.772 0.775 0.789 0.756 0.775 0.795 0.845
23 0.568 0.676 0.774 0.777 0.803 0.781 0.802 0.835 0.887
24 0.555 0.665 0.764 0.790 0.829 0.818 0.842 0.886 0.949
25 0.548 0.651 0.764 0.803 0.867 0.868 0.903 0.958 1.033
26 0.532 0.636 0.751 0.802 0.890 0.912 0.957 1.022 1.106
27 0.544 0.642 0.761 0.837 0.939 0.982 1.049 1.124 1.231
28 0.569 0.670 0.794 0.882 0.996 1.059 1.136 1.243 1.373
29 0.604 0.711 0.838 0.937 1.074 1.147 1.256 1.386 1.540
30 0.652 0.773 0.914 1.013 1.165 1.268 1.389 1.556 1.744
31 0.689 0.832 0.975 1.094 1.257 1.381 1.535 1.711 1.942
32 0.712 0.863 1.027 1.152 1.336 1.479 1.662 1.865 2.112
33 0.714 0.881 1.061 1.216 1.433 1.590 1.800 2.019 2.280
34 0.704 0.894 1.103 1.286 1.532 1.714 1.938 2.182 2.451
35 0.713 0.931 1.172 1.394 1.662 1.871 2.113 2.380 2.678
36 0.722 0.977 1.259 1.510 1.821 2.044 2.320 2.605 2.919
37 0.758 1.040 1.363 1.652 1.996 2.239 2.533 2.854 3.187
38 0.825 1.151 1.532 1.854 2.234 2.497 2.822 3.179 3.530
39 0.910 1.301 1.724 2.076 2.487 2.789 3.140 3.515 3.918
40 0.996 1.435 1.898 2.288 2.723 3.031 3.404 3.813 4.245
41 1.078 1.561 2.088 2.504 2.967 3.283 3.670 4.108 4.588
42 1.180 1.729 2.308 2.763 3.265 3.608 4.031 4.507 5.038
43 1.258 1.851 2.476 2.954 3.497 3.866 4.309 4.816 5.353
44 1.334 1.967 2.629 3.149 3.718 4.112 4.587 5.102 5.647
45 1.412 2.079 2.786 3.352 3.957 4.379 4.871 5.394 5.965
46 1.482 2.187 2.944 3.565 4.236 4.670 5.180 5.738 6.351
47 1.550 2.314 3.130 3.805 4.548 5.004 5.538 6.137 6.837
48 1.613 2.452 3.344 4.070 4.901 5.411 5.986 6.618 7.402
49 1.681 2.600 3.566 4.359 5.282 5.860 6.493 7.175 7.997
50 1.745 2.759 3.797 4.659 5.663 6.308 7.016 7.753 8.569
51 1.853 2.983 4.137 5.079 6.165 6.901 7.690 8.490 9.291
52 1.966 3.225 4.489 5.500 6.660 7.463 8.316 9.137 9.979
53 2.088 3.469 4.834 5.907 7.140 7.961 8.821 9.694 10.657
54 2.227 3.716 5.181 6.315 7.598 8.380 9.262 10.226 11.298
55 2.370 3.989 5.564 6.745 8.031 8.803 9.726 10.737 11.940
56 2.544 4.295 5.985 7.195 8.494 9.282 10.237 11.299 12.589
57 2.757 4.654 6.447 7.707 9.038 9.850 10.849 11.951 13.269
58 3.006 5.064 6.997 8.339 9.716 10.570 11.608 12.738 14.036
59 3.286 5.536 7.648 9.068 10.540 11.437 12.510 13.636 14.948
60 3.597 6.069 8.355 9.866 11.481 12.408 13.500 14.625 15.981
61 3.965 6.626 9.081 10.719 12.470 13.417 14.533 15.681 17.098
62 4.372 7.180 9.799 11.602 13.431 14.422 15.578 16.783 18.264
63 4.816 7.812 10.589 12.487 14.357 15.368 16.569 17.836 19.410
64 5.306 8.553 11.464 13.369 15.273 16.294 17.522 18.858 20.558
65 5.841 9.308 12.355 14.236 16.211 17.246 18.523 19.978 21.841
66 6.403 10.012 13.167 15.077 17.169 18.279 19.677 21.310 23.370
67 7.007 10.593 13.814 I5.871 18.172 19.451 21.060 22.946 25.408
68 7.642 11.075 14.327 16.606 19.220 20.804 22.758 25.142 27.948
69 8.313 11.519 14.783 17.296 20.313 22.330 24.904 27.772 30.947
70 9.001 11.899 15.175 17.931 21.425 24.125 27.329 30.747 34.346
71 9.641 12.727 16.204 19.108 22.931 25.802 29.198 32.830 36.649
72 10.312 13.588 17.267 20.457 24.533 27.574 31.184 35.037 39.088
73 10.995 14.462 18.463 21.855 26.180 29.406 33.228 37.309 41.577
74 11.515 15.214 19.402 22.942 27.468 30.833 34.816 39.051 43.490
75 11.895 15.701 20.007 23.644 28.286 31.726 35.789 40.119 44.648
76 12.139 16.006 20.382 24.073 28.775 32.244 36.351 40.717 45.268
77 12.364 16.291 20.734 24.469 29.218 32.720 36.860 41.248 45.824
78 12.841 16.911 21.506 25.353 30.255 33.856 38.103 42.608 47.299
79 13.645 17.956 22.810 26.874 32.046 35.827 40.292 45.020 49.939
80 __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.__5
[x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------- ------- -------
0 0.130 0.125 0.123 0.130 0.164 0.201 0.257 15
1 0.126 0.125 0.131 0.166 0.203 0.259 0.310 16
2 0.126 0.133 0.167 0.205 0.262 0.314 0.364 17
3 0.134 0.169 0.207 0.265 0.317 0.368 0.441 18
4 0.171 0.209 0.267 0.320 0.372 0.446 0.478 19
5 0.212 0.270 0.323 0.375 0.450 0.483 0.491 20
6 0.273 0.327 0.379 0.455 0.488 0.496 0.739 21
7 0.330 0.383 0.459 0.493 0.501 0.760 0.722 22
8 0.387 0.464 0.498 0.506 0.781 0.743 0.712 23
9 0.469 0.503 0.511 0.803 0.763 0.732 0.708 24
10 0.508 0.516 0.824 0.784 0.752 0.728 0.698 25
11 0.521 0.847 0.806 0.773 0.749 0.718 0.695 26
12 0.869 0.827 0.794 0.769 0.738 0.714 0.680 27
13 0.849 0.816 0.790 0.758 0.734 0.699 0.720 28
14 0.837 0.811 0.779 0.754 0.719 0.740 0.755 29
15 0.826 0.800 0.775 0.738 0.760 0.776 0.800 30
16 0.821 0.788 0.758 0.781 0.798 0.822 0.845 31
17 0.816 0.784 0.807 0.823 0.847 0.870 0.868 32
18 0.813 0.790 0.821 0.853 0.883 0.895 0.898 22
19 0.804 0.789 0.837 0.876 0.910 0.927 0.940 34
20 0.804 0.798 0.854 0.890 0.937 0.972 0.995 35
21 0.870 0.880 0.921 0.964 1.009 1.063 1.096 36
22 0.905 0.930 0.968 1.025 1.091 1.165 1.224 37
23 0.957 0.996 1.036 1.112 1.195 1.268 1.354 38
24 1.031 1.095 1.140 1.240 1.346 1.437 1.539 39
25 1.127 1.208 1.288 1.413 1.540 1.640 1.756 40
26 1.220 1.319 1.435 1.564 1.711 1.838 1.954 41
27 1.370 1.484 1.612 1.761 1.924 2.063 2.167 42
28 1.536 1.654 1.796 1.956 2.138 2.280 2.408 43
29 1.738 1.869 2.012 2.182 2.360 2.520 2.677 44
30 1.965 2.108 2.262 2.427 2.614 2.789 2.978 45
31 2.183 2.340 2.503 2.682 2.891 3.081 3.286 46
32 2.379 2.542 2.726 2.923 3.142 3.343 3.578 47
33 2.566 2.760 2.972 3.211 3.464 3.712 3.992 48
34 2.751 2.985 3.231 3.515 3.826 4.120 4.480 49
35 2.994 3.249 3.515 3.837 4.187 4.516 4.933 50
36 3.255 3.521 3.818 4.181 4.575 4.949 5.366 51
37 3.534 3.823 4.144 4.537 4.977 5.386 5.764 52
38 3.918 4.207 4.544 4.949 5.405 5.847 6.198 53
39 4.333 4.644 5.003 5.432 5.928 6.444 6.825 54
40 4.709 5.026 5.384 5.827 6.356 6.947 7.402 55
41 5.093 5.437 5.832 6.320 6.927 7.609 8.245 56
42 5.588 5.971 6.418 6.954 7.604 8.368 9.173 57
43 5.978 6.437 6.977 7.584 8.308 9.167 10.139 58
44 6.361 6.935 7.567 8.276 9.091 10.024 11.102 59
45 6.775 7.454 8.201 9.030 9.936 10.919 12.066 60
46 7.209 7.997 8.867 9.824 10.800 11.877 13.125 61
47 7.708 8.555 9.494 10.495 11.545 12.721 13.980 62
48 8.267 9.135 10.089 11.161 12.336 13.613 14.942 63
49 8.863 9.702 10.685 11.861 13.149 14.542 15.992 64
50 9.424 10.296 11.398 12.715 14.182 15.800 17.485 65
51 10.193 11.135 12.319 13.744 15.381 17.187 19.061 66
52 10.983 11.998 13.275 14.834 16.634 18.615 20.666 67
53 11.744 12.867 14.271 15.968 17.899 20.057 22.310 68
54 12.496 13.748 15.314 17.131 19.189 21.510 23.876 69
55 13.261 14.671 16.391 18.345 20.537 23.035 25.458 70
56 14.064 15.632 17.515 19.622 21.971 24.647 27.334 71
57 14.917 16.645 18.701 20.984 23.506 26.384 29.395 72
58 15.835 17.711 19.936 22.408 25.150 28.261 31.486 73
59 16.833 18.831 21.197 23.889 26.894 30.257 33.704 74
60 17.914 20.008 22.519 25.436 28.725 32.362 36.282 75
61 19.064 21.342 24.103 27.385 31.131 35.435 39.984 76
62 20.303 22.773 25.805 29.471 33.874 38.748 43.986 77
63 21.547 24.333 27.790 32.206 37.355 43.045 49.404 78
64 22.818 25.859 29.836 34.766 40.497 46.846 54.103 79
65 24.246 27.818 32.344 37.937 44.496 51.787 60.105 81
66 26.089 29.997 34.928 41.023 48.169 56.145 64.960 81
67 28.351 32.716 38.187 44.921 52.830 61.751 71.506 82
68 31.114 35.844 41.655 48.757 57.104 66.683 77.027 83
69 34.365 39.599 45.872 53.462 62.451 72.975 84.720 84
70 38.018 43.796 50.493 58.552 68.136 79.599 93.100 85
71 40.541 46.994 54.498 63.515 74.229 87.063 102.194 86
72 43.188 50.576 59.171 69.474 81.744 96.444 113.794 87
73 45.909 54.308 64.061 75.765 89.691 106.400 127.195 88
74 47.990 57.113 67.723 80.449 95.593 114.699 137.536 89
75 49.215 58.945 70.255 83.801 100.763 121.308 145.871 90
76 49.864 59.675 71.070 85.424 102.676 123.563 148.509 91
77 50.438 60.317 72.383 86.970 104.494 125.689 151.002 92
78 52.023 62.687 75.199 90.319 108.465 130.410 158.064 93
79 55.346 66.667 79.943 95.970 115.203 139.741 169.376 94
80 58.600 70.560 84.570 101.482 122.900 149.080 180.661 95
DOMINION LIFE
EXPECTED MORTALITY ASSUMPTIONS (1000___
MEDICAL PROJECTED
FEMALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
----- ----- ------ ------ ------ ------ ------ ------ ------
0 0.922 0.542 0.342 0.265 0.219 0.192 0.168 0.157 0.142
1 0.542 0.342 0.265 0.216 0.198 0.168 0.156 0.140 0.129
2 0.342 0.265 0.216 0.195 0.173 0.156 0.140 0.128 0.125
3 0.265 0.216 0.195 0.171 0.161 0.140 0.128 0.124 0.125
4 0.216 0.195 0.171 0.159 0.144 0.128 0.124 0.124 0.134
5 0.195 0.171 0.159 0.142 0.132 0.124 0.124 0.132 0.170
6 0.171 0.159 0.142 0.130 0.128 0.124 0.132 0.169 0.211
7 0.159 0.142 0.130 0.126 0.128 0.132 0.168 0.209 0.272
8 0.142 0.130 0.126 0.126 0.136 0.168 0.209 0.269 0.328
9 0.130 0.126 0.126 0.134 0.173 0.208 0.269 0.326 0.385
10 0.126 0.126 0.134 0.171 0.215 0.268 0.325 0.382 0.415
11 0.126 0.134 0.171 0.212 0.277 0.324 0.382 0.408 0.450
12 0.134 0.171 0.212 0.273 0.335 0.380 0.400 0.442 0.462
13 0.171 0.212 0.273 0.330 0.393 0.392 0.434 0.454 0.497
14 0.212 0.273 0.330 0.387 0.400 0.425 0.445 0.488 0.485
15 0.269 0.326 0.379 0.381 0.419 0.429 0.478 0.477 0.478
16 0.326 0.379 0.367 0.392 0.419 0.461 0.467 0.470 0.472
17 0.383 0.370 0.385 0.399 0.465 0.452 0.458 0.464 0.469
18 0.351 0.373 0.388 0.439 0.461 0.439 0.444 0.454 0.462
19 0.343 0.369 0.418 0.426 0.439 0.417 0.425 0.434 0.448
20 0.326 0.388 0.405 0.408 0.416 0.390 0.406 0.415 0.438
21 0.341 0.384 0.403 0.405 0.410 0.385 0.409 0.431 0.465
22 0.331 0.375 0.401 0.402 0.407 0.392 0.414 0.437 0.478
23 0.330 0.371 0.402 0.404 0.414 0.405 0.428 0.459 0.502
24 0.322 0.364 0.397 0.410 0.428 0.424 0.449 0.487 0.537
25 0.318 0.357 0.397 0.417 0.447 0.450 0.482 0.527 0.584
26 0.309 0.348 0.390 0.416 0.459 0.473 0.511 0.562 0.626
27 0.316 0.352 0.395 0.435 0.485 0.509 0.560 0.618 0.696
28 0.330 0.367 0.412 0.458 0.514 0.549 0.606 0.684 0.776
29 0.351 0.390 0.435 0.486 0.555 0.594 0.670 0.763 0.871
30 0.378 0.424 0.475 0.526 0.601 0.657 0.742 0.856 0.987
31 0.400 0.456 0.506 0.568 0.649 0.716 0.820 0.941 1.099
32 0.413 0.473 0.533 0.598 0.690 0.766 0.887 1.026 1.195
33 0.414 0.483 0.551 0.632 0.739 0.824 0.961 1.111 1.290
34 0.408 0.490 0.573 0.668 0.791 0.888 1.035 1.200 1.387
35 0.414 0.510 0.609 0.724 0.858 0.970 1.129 1.309 1.515
36 0.419 0.536 0.654 0.784 0.940 1.060 1.239 1.433 1.651
37 0.440 0.570 0.708 0.858 1.030 1.161 1.353 1.570 1.803
38 0.479 0.631 0.796 0.963 1.153 1.294 1.507 1.749 1.997
39 0.528 0.713 0.895 1.078 1.284 1.446 1.677 1.934 2.216
40 0.578 0.786 0.986 1.189 1.406 1.571 1.818 2.098 2.402
41 0.626 0.856 1.085 1.301 1.532 1.702 1.960 2.260 2.596
42 0.685 0.948 1.199 1.435 1.685 1.870 2.153 2.480 2.850
43 0.730 1.015 1.286 1.534 1.805 2.004 2.302 2.650 3.029
44 0.774 1.078 1.366 1.636 1.919 2.132 2.450 2.807 3.195
45 0.820 1.140 1.447 1.741 2.043 2.270 2.602 2.968 3.375
46 0.860 1.199 1.529 1.852 2.187 2.421 2.767 3.157 3.593
47 0.900 1.269 1.626 1.977 2.348 2.594 2.958 3.376 3.869
48 0.937 1.344 1.737 2.114 2.530 2.805 3.197 3.641 4.188
49 0.976 1.426 1.853 2.264 2.727 3.038 3.468 3.948 4.525
50 1.013 1.513 1.972 2.420 2.924 3.270 3.748 4.266 4.848
51 1.076 1.636 2.149 2.639 3.183 3.577 4.107 4.671 5.257
52 1.141 1.768 2.332 2.857 3.438 3.869 4.442 5.027 5.646
53 1.212 1.902 2.511 3.068 3.686 4.127 4.712 5.334 6.030
54 1.293 2.038 2.691 3.281 3.923 4.344 4.948 5.626 6.393
55 1.376 2.187 2.890 3.504 4.146 4.563 5.195 5.907 6.756
56 1.477 2.355 3.109 3.738 4.385 4.812 5.468 6.217 7.123
57 1.601 2.552 3.349 4.004 4.666 5.106 5.795 6.575 7.508
58 1.745 2.777 3.635 4.332 5.016 5.479 6.201 7.008 7.941
59 1.908 3.035 3.973 4.711 5.442 5.929 6.683 7.502 8.457
60 2.089 3.328 4.340 5.125 5.928 6.432 7.212 8.046 9.042
61 2.302 3.633 4.718 5.568 6.438 6.955 7.763 8.627 9.674
62 2.538 3.937 5.091 6.027 6.935 7.476 8.322 9.234 10.334
63 2.796 4.284 5.501 6.487 7.412 7.967 8.851 9.813 10.982
64 3.081 4.690 5.956 6.945 7.886 8.447 9.360 10.376 11.632
65 3.391 5.104 6.418 7.396 8.370 8.940 9.895 10.992 12.358
66 3.717 5.490 6.840 7.833 8.865 9.476 10.511 11.724 13.223
67 4.068 5.809 7.176 8.245 9.382 10.084 11.250 12.625 14.376
58 4.437 6.073 7.443 8.627 9.923 10.785 12.157 13.833 15.813
69 4.826 6.316 7.680 8.985 10.488 11.576 13.303 15.280 17.510
70 5.226 6.525 7.884 9.315 11.062 12.506 14.598 16.917 19.433
71 5.598 6.979 8.418 9.927 11.840 13.376 15.597 18.063 20.737
72 5.987 7.451 8.970 10.628 12.667 14.294 16.658 19.277 22.116
73 6.384 7.931 9.592 11.354 13.517 15.244 17.750 20.527 23.525
74 6.686 8.343 10.080 11.919 14.182 15.984 18.598 21.486 24.607
75 6.907 8.610 10.394 12.283 14.605 16.447 19.118 22.073 25.262
76 7.048 8.777 10.589 12.506 14.857 16.715 19.418 22.402 25.613
77 7.179 8.934 10.771 12.712 15.086 16.962 19.690 22.694 25.928
78 7.456 9.273 11.172 13.171 15.621 17.551 20.354 23.443 26.762
79 7.973 9.846 11.850 13.961 16.546 18.573 21.523 24.770 28.256
80 _.___ _.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___
[x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+l4 ULT
------ ------ ------ ------ ------ ------- -------
0 0.130 0.125 0.123 0.130 0.164 0.201 0.257 15
1 0.126 0.125 0.131 0.166 0.203 0.259 0.310 16
2 0.126 0.133 0.167 0.205 0.262 0.314 0.364 17
3 0.134 0.169 0.207 0.265 0.317 0.368 0.398 18
4 0.171 0.209 0.267 0.320 0.372 0.402 0.432 19
5 0.212 0.270 0.323 0.375 0.406 0.436 0.443 20
6 0.273 0.327 0.379 0.410 0.440 0.447 0.536 21
7 0.330 0.383 0.415 0.445 0.452 0.531 0.524 22
8 0.387 0.419 0.449 0.456 0.526 0.519 0.516 23
9 0.423 0.454 0.461 0.522 0.515 0.512 0.514 24
10 0.459 0.466 0.516 0.510 0.507 0.509 0.506 25
11 0.470 0.511 0.505 0.502 0.505 0.502 0.504 26
12 0.506 0.500 0.498 0.500 0.497 0.499 0.493 27
13 0.494 0.493 0.495 0.493 0.495 0.489 0.522 28
14 0.487 0.490 0.488 0.490 0.484 0.517 0.547 29
15 0.480 0.483 0.485 0.480 0.513 0.543 0.580 30
16 0.478 0.476 0.475 0.508 0.538 0.575 0.613 31
17 0.475 0.474 0.506 0.535 0.571 0.608 0.630 32
18 0.473 0.477 0.515 0.554 0.595 0.626 0.651 33
19 0.468 0.476 0.525 0.569 0.614 0.648 0.682 34
20 0.468 0.482 0.535 0.578 0.631 0.680 0.722 35
21 0.506 0.531 0.577 0.627 0.680 0.743 0.795 36
22 0.527 0.562 0.606 0.667 0.735 0.815 0.888 37
23 0.557 0.601 0.649 0.723 0.806 0.887 0.982 38
24 0.600 0.662 0.714 0.806 0.907 1.005 1.116 39
25 0.656 0.730 0.807 0.919 1.038 1.147 1.274 40
26 0.710 0.797 0.899 1.017 1.154 1.285 1.417 41
27 0.797 0.896 1.010 1.144 1.297 1.442 1.571 42
28 0.894 0.999 1.125 1.271 1.441 1.594 1.746 43
29 1.012 1.129 1.261 1.418 1.591 1.762 1.942 44
30 1.144 1.274 1.417 1.577 1.762 1.950 2.160 45
31 1.271 1.414 1.568 1.744 1.949 2.155 2.383 46
32 1.385 1.535 1.708 1.900 2.118 2.338 2.595 47
33 1.494 1.667 1.863 2.087 2.335 2.596 2.895 48
34 1.602 1.803 2.025 2.285 2.579 2.881 3.249 49
35 1.743 1.963 2.203 2.494 2.823 3.158 3.578 50
36 1.895 2.127 2.392 2.718 3.085 3.461 3.891 51
37 2.058 2.309 2.597 2.950 3.356 3.766 4.180 52
38 2.281 2.541 2.847 3.217 3.644 4.089 4.495 53
39 2.523 2.805 3.135 3.532 3.997 4.506 4.950 54
40 2.742 3.036 3.374 3.788 4.285 4.858 5.368 55
41 2.965 3.284 3.655 4.108 4.670 5.321 5.980 56
42 3.254 3.607 4.022 4.521 5.127 5.852 6.652 57
43 3.481 3.889 4.372 4.930 5.601 6.411 7.353 58
44 3.704 4.190 4.742 5.380 6.130 7.010 8.051 59
45 3.944 4.503 5.140 5.870 6.699 7.635 8.750 60
46 4.197 4.831 5.557 6.387 7.282 8.305 9.519 61
47 4.488 5.168 5.950 6.823 7.785 8.895 10.138 62
48 4.813 5.518 6.323 7.256 8.318 9.519 10.836 63
49 5.160 5.861 6.696 7.711 8.866 10.169 11.598 64
50 5.487 6.220 7.143 8.266 9.563 11.049 12.680 65
51 5.935 6.727 7.721 8.935 10.371 12.019 13.823 66
52 6.395 7.248 8.320 9.643 11.216 13.018 14.987 67
53 6.838 7.773 8.944 10.380 12.069 14.026 16.180 68
54 7.275 8.305 9.598 11.137 12.939 15.042 17.316 69
55 7.721 8.863 10.273 11.926 13.847 16.108 18.463 70
56 8.189 9.443 10.977 12.756 14.814 17.236 19.823 71
57 8.685 10.056 11.721 13.642 15.850 18.450 21.318 72
58 9.220 10.700 12.494 14.568 16.958 19.763 22.834 73
59 9.801 11.376 13.285 15.530 18.134 21.159 24.443 74
60 10.430 12.087 14.113 16.536 19.369 22.631 26.313 75
61 11.100 12.893 15.106 17.803 20.991 24.780 28.997 76
62 11.821 13.757 16.173 19.159 22.840 27.097 31.900 77
63 12.546 14.700 17.417 20.937 25.187 30.102 35.829 78
64 13.286 15.622 18.699 22.601 27.306 32.760 39.236 79
65 14.117 16.806 20.271 24.663 30.003 36.215 43.590 80
66 15.190 18.122 21.891 26.669 32.479 39.262 47.111 8i
67 16.507 19.764 23.933 29.203 35.622 43.183 51.857 87
58 18.116 21.654 26.106 31.697 38.504 46.632 55.861 89
69 20.009 23.923 28.750 34.755 42.109 51.032 61.441 84
70 22.136 26.458 31.646 38.065 45.943 55.664 67.518 85
71 23.605 28.390 34.156 41.292 50.051 60.884 74.113 86
72 25.146 30.554 37.085 45.165 55.118 67.444 82.526 87
73 26.731 32.809 40.149 49.255 60.477 74.406 92.245 88
74 27.942 34.503 42.444 52.300 64.456 80.209 99.744 89
75 28.656 35.610 44.031 54.480 67.942 84.831 105.789 90
76 29.034 36.051 44.542 55.535 69.232 86.408 107.702 91
77 29.368 36.439 45.365 56.540 70.458 87.895 109.510 92
78 30.290 37.871 47.130 58.717 73.135 91.197 114.632 93
79 32.225 40.276 50.103 62.391 77.679 97.722 122.835 94
80 __.___ __.___ __.___ __.___ __.___ ___.___ ___.___ 95
4. Premium Tax Reimbursement:
A. The reinsurance premiums for these plans of insurance have been
calculated to reflect the Ceding Company's premium tax liability.
North American Re shall not make any additional reimbursement for
premium taxes.
5. Percentage of Participation:
A. North American Re's percentage of participation shall be equal to 20%
of 100%.
IN WITNESS WHEREOF, the Company and North American Re have caused their names to
be subscribed and duly attested hereunder by their respective Authorized
Officers.
THE LIFE INSURANCE COMPANY OF VIRGINIA
By /s/ Illegible Illegible
--------------------, ------------------
Authorized Officer Title
Attest:
By /s/ Illegible Illegible
--------------------, ---------------
Authorized Officer Title
Date: June 3, 1992
NORTH AMERICAN REASSURANCE COMPANY
By /s/ Illegible Sr. Vice President
--------------------, ------------------
Authorized Officer Title
Attest:
By /s/ Illegible V.P
--------------------, ---------------
Authorized Officer Title
Date: June 9, 1992
- 2 -
REINSURANCE PREMIUMS
I. Plan: 15 Year Graded Premium Whole Life (TLevel 15)
II. Standard Reinsurance Risk Premiums: Reinsurance on the above plan shall be
ceded on a bordereau basis employing annual reinsurance premiums. The
reinsurance premiums shall equal the mortality assumptions attached to this
Exhibit B, multiplied by the following factors:
ISSUE PREF PREF
AGE NS NS SMK SMK
---------- ---- ---- ---- ----
0-40 1.25 1.25 1.25 1.25
41-60 1.08 1.10 1.05 1.05
61 & Older 1.10 1.08 1.15 1.15
Re-entry is available after 15 years. Upon re-entry, the policy is treated
as a new issue.
III. Multiple Table Substandard Reinsurance Premiums: Multiple table substandard
reinsurance premiums are equal to the sum of the standard premium
(Preferred Nonsmoker and Smoker or Standard Nonsmoker and Smoker) and 25%
of the standard premium for each 25% excess mortality.
IV. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
Memorandum Addendum No. VII to the Automatic Reinsurance Agreement effective
June 1, 1984 between the Life Insurance Company of Virginia and the North
American Reassurance Company.
Effective April 1, 1992, reinsurance generated on the 15 Year Graded Premium
Whole Life plan, (TLevel 15) shall be ceded under the above referenced
Reinsurance Agreement subject to the same terms and conditions of the Agreement
except as provided below:
1. Plan of Reinsurance:
A. Reinsurance of Life risks shall be on the risk premium basis. The risk
amount on the policy reinsured shall be calculated annually and shall
be equal to the face amount less the Company's retention.
2. Reinsurance Administration:
A. Reinsurance shall be ceded using a bordereau format in accordance with
the suggested reporting details for Non-Universal Life products as
indicated in Exhibit C of the basic Agreement.
3. Reinsurance Premiums:
A. Life Premiums
i) Until further notice, reinsurance premiums shall be developed as
described in the Exhibit B attached to this Memorandum Addendum.
North American Re guarantees that premium rates for a given
attained age, rating, and duration shall not exceed the higher of
the rate shown in the attached schedule (Exhibit B) for that age,
rating, and duration or the one year term rate on the appropriate
multiple of the applicable 1980 CSO table at the maximum
statutory valuation rate approved in New York state.
ii) Reinsurance premiums are annual premiums payable at the end of
the month in which they become due.
- 1 -
Memorandum Addendum No. VIII to the Automatic Reinsurance Agreement effective
June 1, 1984 between the Life Insurance Company of Virginia and North American
Reassurance Company.
Effective February 1, 1993, reinsurance generated on the Dominion Life Series
shall be ceded under the above referenced Reinsurance Agreement subject to the
same terms and conditions of the Agreement except as provided below:
1. Plan of Reinsurance:
A. Reinsurance of Life risks shall be on the risk premium basis. The risk
amount on the policy reinsured shall be calculated monthly and shall
be equal to the death benefit less the cash value. At the time of
issue, the Ceding Company shall cede to North American Re the portion
of the initial risk amount in excess of its retention. Thereafter, the
Ceding Company and North American Re shall keep the same proportionate
shares of the risk amount developed each month.
2. Reinsurance Administration:
X. Xxxxxxxxxxx shall be ceded using a bordereau format in accordance with
the suggested reporting details for Universal Life products as
indicated in Exhibit C of the basic Agreement.
3. Reinsurance Premiums:
A. Life Premiums
i) Until further notice, reinsurance premiums shall be developed as
described in the Exhibit B attached to this Memorandum Addendum.
North American Re guarantees that premium rates for a given
attained age, rating, and duration shall not exceed the higher of
the rate shown in the attached schedule (Exhibit B) for that age,
rating, and duration or the one year term rate on the appropriate
multiple of the applicable 1980 CSO table at the maximum
statutory valuation rate approved in New York state.
- 1 -
ii) Reinsurance premiums are annual premiums payable at the end of
the month in which they become due.
4. Premium Tax Reimbursement:
A. The reinsurance premiums for these plans of insurance have been
calculated to reflect the Ceding Company's premium tax liability.
North American Re shall not make any additional reimbursement for
premium taxes.
5. Percentage of Participation:
A. North American Re's percentage of participation shall be equal to 20%
of 100%.
IN WITNESS WHEREOF, the Company and North American Re have caused their names to
be subscribed and duly attested hereunder by their respective Authorized
Officers.
THE LIFE INSURANCE COMPANY OF VIRGINIA
By /s/ Illegible Illegible
--------------------, ------------------
Authorized Officer Title
Attest:
By /s/ Illegible Vice President and _____
--------------------, ------------------------
Authorized Officer Title
Date: March 19, 1993
NORTH AMERICAN REASSURANCE COMPANY
By /s/ Illegible Sr. Vice President
--------------------, ------------------
Authorized Officer Title
Attest:
By /s/ Illegible Assistant Secretary
--------------------, -------------------
Authorized Officer Title
Date: March 25, 1993
- 2 -
REINSURANCE PREMIUMS
I. Plans: Graded Premium Life (TLevel 10) 15 Year Graded Premium Life (TLevel
15)
II. Standard Reinsurance Risk Premiums: Reinsurance on the above plans shall be
ceded on a bordereau basis employing annual reinsurance premiums. The
reinsurance premiums shall equal the mortality assumptions attached to this
Exhibit B, multiplied by the following factors:
ISSUE PREF STD PREF STD
AGE NS NS SMK SMK
---------- ---- ---- ---- ----
0-40 1.38 1.29 1.30 1.23
41-60 1.19 1.11 1.08 1.06
61 & Older 1.22 1.11 1.20 1.15
Re-entry is available after 10 years for the TLevel 10 plan and after 15
years for the TLevel 15 plan. Upon re-entry, the policy is treated as a new
issue.
III. Multiple Table Substandard Reinsurance Premiums: Multiple table substandard
reinsurance premiums are equal to the sum of the standard premium
(Preferred Nonsmoker and Smoker or Standard Nonsmoker and Smoker) and 25%
of the standard premium for each 25% excess mortality.
IV. Maximum Amount of Reinsurance On One Life On These Reinsurance Premiums:
$5,000,000. For the excess amount over $5,000,000 rate schedule NRN-5833,
which is attached to the basic agreement, will apply. The nonsmoker rates
in schedule NRN-5833 will be used for both preferred nonsmoker and standard
nonsmokers. The smoker rates will be used for both preferred smoker and
standard smokers.
V. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
MALE PREFERRED NONSMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS 1-15
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
-- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------
20 0.620 0.570 0.588 0.588 0.582 0.547 0.549 0.540 0.542 0.553 0.496 0.529 0.555 0.585 0.614 1.690 35
21 0.399 0.519 0.550 0.556 0.551 0.527 0.550 0.559 0.585 0.610 0.556 0.576 0.594 0.617 0.650 1.770 36
22 0.348 0.459 0.493 0.495 0.491 0.482 0.492 0.504 0.528 0.562 0.526 0.543 0.574 0.616 0.651 1.880 37
23 0.309 0.404 0.438 0.440 0.443 0.435 0.447 0.458 0.484 0.524 0.500 0.526 0.577 0.622 0.672 2.000 38
24 0.268 0.351 0.382 0.395 0.398 0.399 0.405 0.424 0.455 0.494 0.490 0.525 0.580 0.647 0.705 2.140 39
25 0.239 0.310 0.345 0.357 0.372 0.373 0.386 0.411 0.443 0.488 0.497 0.541 0.616 0.691 0.760 2.290 40
26 0.221 0.289 0.319 0.338 0.356 0.369 0.389 0.415 0.454 0.511 0.518 0.587 0.662 0.751 0.836 2.470 41
27 0.216 0.274 0.305 0.327 0.353 0.376 0.402 0.435 0.486 0.544 0.563 0.636 0.723 0.823 0.922 2.650 12
28 0.215 0.274 0.300 0.329 0.360 0.389 0.421 0.471 0.522 0.596 0.611 0.692 0.787 0.900 1.010 2.860 43
29 0.221 0.277 0.306 0.340 0.377 0.412 0.462 0.512 0.580 0.663 0.681 0.765 0.868 0.987 1.109 3.070 44
30 0.225 0.287 0.321 0.353 0.395 0.446 0.492 0.562 0.638 0.731 0.749 0.842 0.952 1.081 1.213 3.320 45
31 0.227 0.298 0.328 0.369 0.418 0.469 0.532 0.602 0.694 0.791 0.814 0.919 1.040 1.180 1.335 3.590 46
32 0.230 0.302 0.340 0.387 0.436 0.500 0.570 0.650 0.748 0.857 0.885 1.004 1.136 1.299 1.485 3.880 47
33 0.225 0.303 0.351 0.401 0.465 0.532 0.613 0.698 0.802 0.923 0.960 1.089 1.250 1.447 1.661 4.190 48
34 0.215 0.302 0.353 0.416 0.485 0.561 0.644 0.738 0.849 0.975 1.020 1.175 1.373 1.603 1.852 4.540 49
35 0.217 0.308 0.372 0.445 0.521 0.605 0.696 0.803 0.924 1.053 1.115 1.299 1.525 1.790 2.078 4.910 50
36 0.219 0.326 0.401 0.484 0.573 0.666 0.773 0.889 1.016 1.165 1.241 1.447 1.704 2.007 2.335 5.350 51
37 0.231 0.349 0.436 0.532 0.633 0.738 0.855 0.983 1.129 1.298 1.381 1.611 1.898 2.239 2.612 5.860 52
38 0.248 0.380 0.484 0.591 0.704 0.818 0.943 1.093 1.260 1.448 1.534 1.788 2.102 2.483 2.923 6.430 53
39 0.270 0.424 0.538 0.657 0.779 0.905 1.048 1.218 1.406 1.611 1.703 1.980 2.324 2.758 3.254 7.090 54
40 0.297 0.471 0.600 0.734 0.861 1.001 1.167 1.355 1.563 1.795 1.890 2.189 2.577 3.050 3.621 7.820 55
41 0.324 0.519 0.668 0.811 0.954 1.114 1.291 1.497 1.733 1.990 2.093 2.434 2.852 3.383 4.041 8.630 56
42 0.352 0.571 0.732 0.893 1.058 1.231 1.426 1.653 1.912 2.200 2.329 2.706 3.172 3.771 4.513 9.490 57
43 0.380 0.618 0.799 0.982 1.163 1.354 1.565 1.811 2.088 2.432 2.579 3.014 3.549 4.213 5.039 10.420 58
44 0.408 0.669 0.873 1.074 1.269 1.478 1.708 1.972 2.277 2.667 2.857 3.366 3.975 4.715 5.613 11.470 59
45 0.440 0.728 0.950 1.174 1.388 1.616 1.866 2.156 2.480 2.931 3.173 3.756 4.451 5.268 6.282 12.640 60
46 0.475 0.786 1.031 1.283 1.525 1.773 2.053 2.366 2.726 3.234 3.518 4.183 4.968 5.905 7.022 13.940 61
47 0.511 0.855 1.127 1.407 1.685 1.966 2.265 2.614 3.045 3.588 3.905 4.646 5.553 6.606 7.840 15.420 62
48 0.547 0.932 1.237 1.550 1.881 2.195 2.529 2.925 3.422 3.995 4.327 5.168 6.183 7.362 8.753 17.110 63
49 0.586 1.016 1.359 1.720 2.094 2.457 2.849 3.294 3.839 4.446 4.813 5.732 6.856 8.190 9.769 19.020 64
50 0.626 1.112 1.500 1.900 2.322 2.749 3.199 3.699 4.273 4.953 5.331 6.334 7.585 9.089 10.885 21.130 65
51 0.669 1.217 1.651 2.093 2.567 3.054 3.561 4.111 4.743 5.485 5.895 7.020 8.436 10.173 12.242 23.400 66
52 0.720 1.329 1.811 2.302 2.816 3.353 3.909 4.530 5.216 6.028 6.514 7.802 9.443 11.460 13.887 25.860 67
53 0.772 1.445 1.980 2.510 3.066 3.631 4.245 4.921 5.682 6.576 7.150 8.612 10.454 12.721 15.489 28.500 68
54 0.832 1.572 2.155 2.725 3.312 3.913 4.564 5.294 6.145 7.143 7.844 9.528 11.628 14.221 17.407 31.380 69
55 0.899 1.714 2.350 2.955 3.584 4.209 4.888 5.671 6.631 7.745 8.566 10.469 12.827 15.719 19.307 34.630 70
56 0.980 1.874 2.567 3.227 3.881 4.527 5.249 6.094 7.142 8.385 9.347 11.497 14.137 17.377 21.425 38.310 71
57 1.079 2.061 2.830 3.539 4.212 4.901 5.679 6.584 7.685 9.085 10.178 12.557 15.474 19.057 23.526 42.560 72
58 1.194 2.296 3.145 3.906 4.619 5.369 6.208 7.164 8.304 9.861 11.078 13.700 16.938 20.916 25.897 47.440 73
59 1.336 2.570 3.507 4.333 5.117 5.935 6.830 7.834 9.043 10.723 12.086 15.006 18.657 23.203 28.851 52.920 74
60 1.498 2.874 3.908 4.813 5.694 6.573 7.529 8.592 9.889 11.680 13.163 16.353 20.415 25.492 31.794 58.800 75
61 1.684 3.201 4.337 5.342 6.312 7.261 8.288 9.423 10.830 12.741 14.383 17.937 22.509 28.293 35.357 65.060 76
62 1.894 3.541 4.781 5.903 6.945 7.980 9.087 10.323 11.858 13.919 15.711 19.601 24.674 31.037 38.851 71.640 77
63 2.131 3.936 5.274 6.490 7.592 8.699 9.893 11.245 12.927 15.181 17.179 21.527 27.178 34.340 43.128 78.470 78
64 2.398 4.400 5.833 7.105 8.261 9.440 10.724 12.197 14.071 16.537 18.786 23.594 29.922 37.953 47.804 85.720 79
65 2.695 4.891 6.427 7.739 8.975 10.242 11.629 13.278 15.377 18.104 20.579 25.929 32.977 41.940 52.927 93.670 80
MALE NONSMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS 1-15
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
-- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------
20 0.646 0.871 0.891 0.886 0.870 0.811 0.808 0.790 0.788 0.798 0.723 0.744 0.751 0.764 0.771 1.690 35
21 0.600 0.794 0.835 0.836 0.823 0.782 0.810 0.818 0.850 0.881 0.810 0.809 0.805 0.805 0.817 1.770 36
22 0.524 0.702 0.749 0.745 0.733 0.715 0.724 0.737 0.767 0.811 0.766 0.763 0.777 0.803 0.818 1.880 37
23 0.465 0.618 0.665 0.662 0.662 0.646 0.658 0.671 0.704 0.757 0.729 0.739 0.781 0.812 0.844 2.000 38
24 0.404 0.536 0.579 0.594 0.595 0.592 0.596 0.620 0.661 0.714 0.714 0.738 0.785 0.844 0.887 2.140 39
25 0.360 0.473 0.523 0.538 0.556 0.553 0.569 0.602 0.645 0.705 0.724 0.761 0.834 0.902 0.955 2.290 40
26 0.333 0.442 0.484 0.508 0.532 0.548 0.573 0.608 0.659 0.738 0.755 0.824 0.896 0.980 1.050 2.470 41
27 0.324 0.419 0.462 0.493 0.527 0.558 0.592 0.636 0.707 0.785 0.821 0.893 0.980 1.074 1.158 2.650 42
28 0.323 0.418 0.455 0.495 0.537 0.577 0.620 0.689 0.759 0.861 0.890 0.973 1.065 1.174 1.269 2.860 43
29 0.333 0.424 0.464 0.512 0.563 0.612 0.680 0.750 0.844 0.958 0.993 1.074 1.175 1.288 1.394 3.070 44
30 0.339 0.440 0.486 0.531 0.590 0.662 0.724 0.822 0.928 1.055 1.092 1.183 1.289 1.411 1.524 3.320 45
31 0.342 0.456 0.498 0.555 0.625 0.696 0.784 0.880 1.009 1.143 1.187 1.291 1.408 1.539 1.678 3.590 46
32 0.346 0.462 0.516 0.583 0.652 0.742 0.839 0.952 1.087 1.237 1.290 1.411 1.538 1.694 1.867 3.880 47
33 0.339 0.464 0.532 0.604 0.695 0.789 0.902 1.021 1.166 1.334 1.399 1.530 1.693 1.888 2.088 4.190 48
34 0.324 0.463 0.535 0.626 0.725 0.832 0.949 1.080 1.234 1.408 1.487 1.651 1.860 2.091 2.328 4.540 49
35 0.327 0.472 0.565 0.670 0.779 0.898 1.025 1.174 1.343 1.522 1.625 1.825 2.065 2.335 2.611 4.910 50
36 0.329 0.499 0.608 0.729 0.856 0.987 1.139 1.301 1.477 1.682 1.808 2.032 2.308 2.619 2.934 5.350 51
37 0.348 0.533 0.662 0.802 0.945 1.095 1.259 1.438 1.641 1.876 2.013 2.263 2.570 2.921 3.283 5.860 52
38 0.373 0.582 0.734 0.889 1.051 1.213 1.390 1.600 1.831 2.091 2.236 2.513 2.846 3.239 3.673 6.430 53
39 0.406 0.648 0.816 0.989 1.163 1.342 1.544 1.783 2.044 2.327 2.483 2.781 3.146 3.599 4.089 7.090 54
40 0.446 0.720 0.910 1.105 1.286 1.485 1.720 1.982 2.271 2.593 2.755 3.075 3.489 3.978 4.551 7.820 55
41 0.487 0.794 1.014 1.221 1.426 1.652 1.901 2.191 2.518 2.875 3.052 3.420 3.862 4.413 5.079 8.630 56
42 0.530 0.874 1.110 1.345 1.582 1.826 2.101 2.419 2.780 3.177 3.395 3.802 4.295 4.920 5.672 9.490 57
43 0.572 0.946 1.213 1.478 1.738 2.008 2.305 2.650 3.035 3.512 3.760 4.235 4.806 5.496 6.333 10.420 58
44 0.613 1.023 1.324 1.617 1.897 2.193 2.517 2.885 3.310 3.852 4.164 4.728 5.382 6.151 7.054 11.470 59
45 0.662 1.113 1.441 1.768 2.074 2.397 2.748 3.155 3.606 4.234 4.625 5.277 6.026 6.873 7.896 12.640 60
46 0.715 1.203 1.564 1.932 2.279 2.630 3.024 3.462 3.963 4.671 5.128 5.877 6.727 7.704 8.825 13.940 61
47 0.768 1.308 1.710 2.118 2.518 2.916 3.337 3.824 4.426 5.183 5.693 6.527 7.519 8.618 9.854 15.420 62
48 0.823 1.426 1.877 2.333 2.811 3.256 3.726 4.280 4.974 5.770 6.307 7.261 8.371 9.604 11.002 17.110 63
49 0.882 1.554 2.062 2.589 3.129 3.645 4.198 4.820 5.581 6.422 7.015 8.054 9.282 10.685 12.278 19.020 64
50 0.942 1.700 2.276 2.860 3.470 4.078 4.713 5.412 6.211 7.154 7.770 8.898 10.269 11.858 13.680 21.130 65
51 1.007 1.862 2.505 3.152 3.835 4.530 5.245 6.015 6.895 7.922 8.593 9.862 11.421 13.272 15.386 23.400 66
52 1.083 2.033 2.748 3.465 4.208 4.975 5.758 6.628 7.583 8.707 9.494 10.961 12.785 14.950 17.454 25.860 67
53 1.162 2.211 3.004 3.779 4.581 5.386 6.254 7.200 8.260 9.498 10.422 12.099 14.154 16.597 19.467 28.500 68
54 1.252 2.405 3.270 4.103 4.949 5.805 6.723 7.746 8.933 10.318 11.434 13.387 15.744 18.553 21.877 31.380 69
55 1.353 2.621 3.566 4.448 5.355 6.244 7.201 8.298 9.639 11.187 12.487 14.709 17.367 20.507 24.265 34.630 70
56 1.475 2.866 3.894 4.858 5.799 6.715 7.732 8.916 10.383 12.111 13.625 16.153 19.140 22.670 26.927 38.310 71
57 1.623 3.153 4.294 5.329 6.293 7.270 8.367 9.634 11.171 13.122 14.836 17.642 20.951 24.863 29.568 42.560 72
58 1.797 3.512 4.772 5.881 6.902 7.965 9.145 10.482 12.070 14.244 16.148 19.248 22.933 27.287 32.548 47.440 73
59 2.011 3.931 5.320 6.524 7.645 8.805 10.061 11.463 13.145 15.489 17.617 21.083 25.261 30.271 36.261 52.920 74
60 2.254 4.396 5.929 7.246 8.508 9.751 11.091 12.571 14.376 16.871 19.187 22.975 27.641 33.257 39.960 58.800 75
61 2.534 4.895 6.580 8.043 9.432 10.771 12.209 13.788 15.742 18.404 20.966 25.200 30.476 36.912 44.438 65.060 76
62 2.850 5.416 7.253 8.887 10.378 11.839 13.387 15.104 17.237 20.106 22.902 27.539 33.409 40.491 48.829 71.640 77
63 3.206 6.021 8.001 9.770 11.344 12.905 14.573 16.454 18.791 21.928 25.042 30.244 36.798 44.800 54.205 78.470 78
64 3.608 6.729 8.849 10.697 12.345 14.004 15.798 17.846 20.454 23.886 27.383 33.148 40.514 49.515 60.082 85.720 79
65 4.054 7.480 9.752 11.651 13.411 15.193 17.131 19.429 22.352 26.150 29.997 36.429 44.649 54.716 66.520 93.670 80
MALE PREFERRED SMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS 1-15
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8
-- ----- ----- ------ ------ ------ ------ ------ ------ ------
20 0.740 0.896 0.998 0.993 0.977 0.918 0.919 0.909 0.918
21 0.692 0.829 0.948 0.952 0.944 0.901 0.943 0.966 1.020
22 0.614 0.744 0.864 0.866 0.856 0.844 0.866 0.896 0.963
23 0.553 0.665 0.783 0.783 0.791 0.782 0.810 0.853 0.911
24 0.488 0.589 0.695 0.720 0.730 0.738 0.768 0.813 0.874
25 0.443 0.530 0.643 0.669 0.703 0.722 0.756 0.805 0.874
26 0.418 0.506 0.610 0.651 0.704 0.737 0.777 0.835 0.914
27 0.417 0.493 0.600 0.661 0.719 0.767 0.824 0.894 0.985
28 0.426 0.507 0.619 0.684 0.748 0.813 0.882 0.972 1.081
29 0.452 0.538 0.650 0.722 0.805 0.882 0.972 1.081 1.211
30 0.482 0.574 0.696 0.768 0.862 0.960 1.058 1.195 1.353
31 0.501 0.608 0.731 0.822 0.917 1.030 1.155 1.300 1.486
32 0.518 0.632 0.775 0.867 0.977 1.107 1.256 1.420 1.624
33 0.520 0.649 0.803 0.917 1.051 1.196 1.364 1.546 1.764
34 0.509 0.651 0.824 0.960 1.113 1.274 1.455 1.655 1.882
35 0.515 0.678 0.877 1.043 1.208 1.395 1.592 1.815 2.064
36 0.530 0.723 0.960 1.147 1.348 1.553 1.783 2.025 2.293
37 0.566 0.785 1.056 1.279 1.506 1.736 1.986 2.262 2.561
38 0.616 0.866 1.187 1.436 1.690 1.938 2.214 2.529 2.845
39 0.678 0.978 1.335 1.611 1.883 2.166 2.473 2.805 3.164
40 0.755 1.100 1.502 1.812 2.103 2.409 2.741 3.107 3.501
41 0.835 1.223 1.686 2.023 2.345 2.668 3.019 3.420 3.867
42 0.915 1.356 1.865 2.241 2.588 2.938 3.323 3.761 4.242
43 0.996 1.482 2.049 2.451 2.833 3.217 3.631 4.095 4.596
44 1.078 1.613 2.226 2.671 3.080 3.500 3.940 4.425 4.945
45 1.170 1.745 2.413 2.909 3.354 3.802 4.270 4.773 5.325
46 1.258 1.879 2.610 3.167 3.663 4.139 4.634 5.178 5.776
47 1.347 2.035 2.841 3.451 4.016 4.528 5.056 5.646 6.344
48 1.436 2.209 3.100 3.772 4.422 4.999 5.573 6.213 7.004
49 1.533 2.394 3.380 4.129 4.868 5.524 6.173 6.874 7.714
50 1.628 2.599 3.680 4.510 5.328 6.075 6.809 7.577 8.442
51 1.727 2.807 4.004 4.905 5.791 6.630 7.439 8.280 9.149
52 1.831 3.031 4.334 5.303 6.241 7.148 8.030 8.908 9.833
53 1.943 3.253 4.660 5.681 6.670 7.610 8.514 9.457 10.497
54 2.067 3.479 4.983 6.055 7.085 8.008 8.945 9.971 11.130
55 2.196 3.726 5.334 6.454 7.485 8.417 9.389 10.471 11.772
56 2.352 3.999 5.727 6.882 7.921 8.871 9.883 11.029 12.418
57 2.541 4.325 6.166 7.377 8.425 9.415 10.483 11.670 13.086
58 2.765 4.704 6.697 7.979 9.058 10.112 11.221 12.436 13.841
59 3.021 5.145 7.317 8.677 9.835 10.946 12.092 13.312 14.748
60 3.310 5.639 7.994 9.448 10.718 11.873 13.048 14.285 15.765
61 3.647 6.157 8.697 10.269 11.638 12.838 14.053 15.314 16.872
62 4.021 6.677 9.388 11.114 12.535 13.807 15.062 16.396 18.046
63 4.433 7.269 10.143 11.960 13.405 14.711 16.025 17.447 19.204
64 4.886 7.956 10.981 12.812 14.260 15.601 16.968 18.472 20.393
65 5.378 8.658 11.840 13.641 15.140 16.534 17.962 19.619 21.731
X [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
-- ------ ------ ------ ------ ------ ------ ------
20 0.946 0.967 1.060 1.129 1.218 1.299 2.630 35
21 1.092 1.117 1.177 1.242 1.312 1.384 2.810 36
22 1.037 1.080 1.139 1.226 1.316 1.414 3.040 37
23 0.988 1.054 1.128 1.238 1.359 1.473 3.300 38
24 0.956 1.055 1.133 1.272 1.424 1.571 3.600 39
25 0.965 1.076 1.192 1.362 1.546 1.710 3.940 40
26 1.016 1.146 1.303 1.486 1.697 1.908 4.340 41
27 1.104 1.256 1.434 1.642 1.887 2.129 4.750 42
28 1.220 1.384 1.578 1.811 2.088 2.353 5.220 43
29 1.380 1.559 1.768 2.022 2.310 2.603 5.710 44
30 1.536 1.739 1.971 2.237 2.549 2.876 6.270 45
31 1.687 1.914 2.169 2.462 2.810 3.184 6.830 46
32 1.849 2.098 2.387 2.717 3.110 3.523 7.440 47
33 2.009 2.292 2.616 3.007 3.448 3.925 8.080 48
34 2.136 2.461 2.838 3.287 3.805 4.360 8.800 49
35 2.333 2.704 3.123 3.636 4.232 4.872 9.560 50
36 2.593 2.995 3.464 4.047 4.727 5.441 10.440 51
37 2.877 3.320 3.841 4.489 5.241 6.039 11.420 52
38 3.196 3.673 4.248 4.941 5.766 6.667 12.540 53
39 3.542 4.064 4.674 5.421 6.320 7.338 13.800 54
40 3.932 4.481 5.128 5.930 6.908 8.060 15.140 55
41 4.332 4.925 5.627 6.490 7.564 8.845 16.590 56
42 4.751 5.406 6.184 7.124 8.291 9.705 18.090 57
43 5.181 5.919 6.798 7.837 9.100 10.636 19.690 58
44 5.619 6.471 7.464 8.623 9.997 11.649 21.350 59
45 6.094 7.065 8.183 9.478 10.983 12.730 23.190 60
46 6.612 7.697 8.946 10.403 12.019 13.905 25.260 61
47 7.207 8.387 9.770 11.353 13.140 15.217 27.590 62
48 7.876 9.137 10.611 12.352 14.351 16.654 30.230 63
49 8.619 9.923 11.501 13.423 15.652 18.219 33.140 64
50 9.374 10.740 12.454 14.558 17.027 19.880 36.290 65
51 10.145 11.641 13.531 15.872 18.663 21.899 39.570 66
52 10.928 12.608 14.743 17.399 20.591 24.318 43.010 67
53 11.685 13.568 15.936 18.866 22.376 26.538 46.550 68
54 12.444 14.576 17.269 20.542 24.473 29.151 50.320 69
55 13.212 15.591 18.575 22.170 26.442 31.599 54.480 70
56 14.009 16.654 19.957 23.884 28.567 34.253 59.090 71
57 14.859 17.742 21.306 25.550 30.604 36.715 64.330 72
58 15.781 18.876 22.718 27.319 32.788 39.429 70.230 73
59 16.774 20.126 24.307 29.374 35.485 42.833 76.660 74
60 17.856 21.411 25.857 31.357 38.014 45.991 83.770 75
61 19.027 22.839 27.669 33.713 41.109 50.138 91.100 76
62 20.290 24.338 29.484 36.008 44.208 53.977 98.520 77
63 21.589 25.950 31.549 38.881 47.921 58.690 105.910 78
64 22.932 27.648 33.898 41.940 51.877 63.686 113.490 79
65 24.461 29.691 36.498 45.272 56.122 69.000 121.590 80
MALE SMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS 1-15
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8
-- ----- ------ ------ ------ ------ ------ ------ ------ ------
20 0.775 1.510 1.547 1.539 1.514 1.423 1.425 1.409 1.424
21 1.123 1.397 1.469 1.476 1.463 1.396 1.462 1.497 1.581
22 0.996 1.254 1.339 1.343 1.327 1.309 1.342 1.389 1.493
23 0.897 1.121 1.214 1.214 1.227 1.212 1.256 1.322 1.412
24 0.791 0.993 1.077 1.117 1.132 1.144 1.190 1.260 1.355
25 0.719 0.893 0.996 1.037 1.089 1.120 1.172 1.248 1.355
26 0.678 0.853 0.946 1.009 1.092 1.143 1.204 1.294 1.417
27 0.676 0.830 0.930 1.025 1.114 1.188 1.277 1.385 1.527
28 0.691 0.854 0.959 1.060 1.159 1.261 1.367 1.507 1.675
29 0.733 0.906 1.007 1.119 1.247 1.367 1.507 1.675 1.877
30 0.782 0.968 1.078 1.191 1.336 1.487 1.640 1.852 2.097
31 0.813 1.024 1.134 1.274 1.421 1.596 1.790 2.015 2.303
32 0.840 1.065 1.201 1.344 1.514 1.715 1.947 2.201 2.518
33 0.844 1.094 1.245 1.422 1.630 1.854 2.114 2.396 2.734
34 0.825 1.097 1.277 1.487 1.726 1.974 2.255 2.566 2.918
35 0.836 1.142 1.359 1.617 1.873 2.162 2.467 2.813 3.200
36 0.860 1.219 1.487 1.778 2.090 2.407 2.764 3.139 3.555
37 0.918 1.322 1.636 1.982 2.335 2.691 3.078 3.505 3.970
38 0.999 1.458 1.839 2.226 2.619 3.004 3.432 3.920 4.410
39 1.099 1.648 2.070 2.498 2.919 3.358 3.833 4.348 4.904
40 1.225 1.853 2.328 2.809 3.259 3.734 4.248 4.816 5.427
41 1.354 2.061 2.614 3.136 3.635 4.136 4.679 5.301 5.994
42 1.484 2.284 2.890 3.474 4.012 4.554 5.150 5.829 6.576
43 1.616 2.497 3.176 3.800 4.391 4.987 5.628 6.348 7.124
44 1.749 2.717 3.451 4.141 4.773 5.426 6.108 6.858 7.664
45 1.898 2.940 3.740 4.510 5.199 5.893 6.618 7.398 8.254
46 2.041 3.165 4.045 4.908 5.678 6.415 7.183 8.026 8.954
47 2.184 3.429 4.404 5.349 6.225 7.019 7.837 8.751 9.833
48 2.329 3.722 4.805 5.846 6.855 7.748 8.638 9.631 10.856
49 2.487 4.034 5.239 6.399 7.546 8.562 9.568 10.655 11.957
50 2.640 4.378 5.704 6.990 8.259 9.417 10.554 11.744 13.085
51 2.801 4.730 6.206 7.602 8.975 10.277 11.531 12.834 14.181
52 2.971 5.106 6.718 8.219 9.673 11.079 12.446 13.807 15.241
53 3.151 5.481 7.223 8.805 10.339 11.795 13.197 14.658 16.271
54 3.353 5.862 7.724 9.385 10.981 12.412 13.864 15.455 17.251
55 3.562 6.277 8.268 10.004 11.602 13.046 14.553 16.229 18.247
56 3.815 6.738 8.878 10.667 12.277 13.750 15.319 17.095 19.247
57 4.122 7.287 9.558 11.434 13.059 14.593 16.249 18.088 20.283
58 4.485 7.926 10.380 12.367 14.039 15.673 17.393 19.276 21.453
59 4.901 8.668 11.341 13.449 15.245 16.966 18.743 20.634 22.859
60 5.368 9.501 12.391 14.644 16.613 18.403 20.225 22.141 24.436
61 5.915 10.373 13.480 15.917 18.039 19.899 21.783 23.737 26.152
62 6.523 11.250 14.551 17.226 19.430 21.400 23.346 25.413 27.971
63 7.191 12.246 15.722 18.538 20.778 22.802 24.838 27.043 29.766
64 7.926 13.405 17.021 19.858 22.103 24.182 26.301 28.632 31.609
65 8.723 14.587 18.352 21.143 23.466 25.628 27.841 30.410 33.682
X [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
-- ------ ------ ------ ------ ------ ------ -------
20 1.466 1.445 1.527 1.568 1.630 1.677 2.630 35
21 1.693 1.669 1.696 1.724 1.756 1.786 2.810 36
22 1.607 1.613 1.641 1.702 1.762 1.825 3.040 37
23 1.531 1.574 1.624 1.719 1.819 1.901 3.300 38
24 1.482 1.576 1.632 1.765 1.906 2.027 3.600 39
25 1.496 1.607 1.717 1.891 2.069 2.207 3.940 40
26 1.575 1.712 1.876 2.063 2.271 2.462 4.340 41
27 1.711 1.876 2.065 2.280 2.526 2.748 4.750 42
28 1.891 2.067 2.273 2.515 2.795 3.037 5.220 43
29 2.139 2.329 2.547 2.807 3.091 3.360 5.710 44
30 2.380 2.598 2.838 3.106 3.411 3.711 6.270 45
31 2.615 2.859 3.123 3.418 3.761 4.109 6.830 46
32 2.865 3.134 3.438 3.771 4.163 4.547 7.440 47
33 3.115 3.423 3.767 4.174 4.615 5.066 8.080 48
34 3.311 3.677 4.087 4.564 5.093 5.627 8.800 49
35 3.616 4.040 4.497 5.048 5.664 6.287 9.560 50
36 4.020 4.474 4.988 5.618 6.327 7.022 10.440 51
37 4.460 4.960 5.531 6.232 7.015 7.794 11.420 52
38 4.954 5.487 6.118 6.859 7.718 8.604 12.540 53
39 5.489 6.071 6.731 7.526 8.459 9.471 13.800 54
40 6.094 6.693 7.384 8.232 9.247 10.403 15.140 55
41 6.715 7.358 8.102 9.009 10.124 11.415 16.590 56
42 7.364 8.075 8.905 9.890 11.097 12.525 18.090 57
43 8.031 8.842 9.789 10.880 12.180 13.727 19.690 58
44 8.709 9.666 10.747 11.971 13.381 15.034 21.350 59
45 9.446 10.555 11.784 13.158 14.700 16.429 23.190 60
46 10.249 11.498 12.883 14.441 16.087 17.945 25.260 61
47 11.170 12.530 14.068 15.760 17.587 19.638 27.590 62
48 12.208 13.650 15.279 17.147 19.208 21.493 30.230 63
49 13.360 14.823 16.561 18.634 20.949 23.512 33.140 64
50 14.530 16.044 17.934 20.210 22.790 25.657 36.290 65
51 15.725 17.390 19.485 22.033 24.980 28.262 39.570 66
52 16.938 18.835 21.229 24.153 27.560 31.384 43.010 67
53 18.112 20.268 22.947 26.190 29.949 34.249 46.550 68
54 19.288 21.775 24.868 28.517 32.756 37.622 50.320 69
55 20.479 23.291 26.747 30.777 35.391 40.781 54.480 70
56 21.715 24.878 28.738 33.156 38.236 44.205 59.090 71
57 23.031 26.505 30.680 35.469 40.962 47.384 64.330 72
58 24.461 28.198 32.715 37.925 43.885 50.886 70.230 73
59 26.000 30.066 35.002 40.779 47.495 55.278 76.660 74
60 27.676 31.986 37.234 43.530 50.881 59.355 83.770 75
61 29.491 34.118 39.843 46.801 55.023 64.707 91.100 76
62 31.450 36.358 42.457 49.987 59.170 69.661 98.520 77
63 33.463 38.766 45.431 53.975 64.141 75.743 105.910 78
64 35.544 41.302 48.813 58.222 69.436 82.191 113.490 79
65 37.915 44.355 52.558 62.848 75.118 89.049 121.590 80
FEMALE PREFERRED NONSMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS 1-15
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8
-- ----- ----- ----- ----- ----- ----- ----- ----- ------
20 0.307 0.298 0.312 0.316 0.316 0.304 0.311 0.311 0.320
21 0.222 0.289 0.305 0.308 0.306 0.295 0.307 0.314 0.329
22 0.212 0.278 0.298 0.300 0.299 0.294 0.302 0.309 0.326
23 0.207 0.270 0.294 0.296 0.298 0.295 0.303 0.313 0.331
24 0.199 0.261 0.285 0.294 0.299 0.299 0.306 0.321 0.344
25 0.193 0.251 0.279 0.291 0.303 0.306 0.318 0.337 0.366
26 0.184 0.240 0.267 0.282 0.300 0.311 0.327 0.351 0.385
27 0.184 0.236 0.262 0.284 0.306 0.326 0.350 0.380 0.422
28 0.187 0.238 0.264 0.289 0.315 0.343 0.372 0.414 0.465
29 0.193 0.244 0.269 0.298 0.333 0.365 0.406 0.456 0.515
30 0.201 0.256 0.285 0.315 0.354 0.398 0.443 0.505 0.575
31 0.205 0.268 0.297 0.334 0.377 0.428 0.484 0.548 0.633
32 0.206 0.272 0.307 0.347 0.396 0.452 0.517 0.590 0.679
33 0.201 0.272 0.313 0.362 0.418 0.480 0.553 0.631 0.724
34 0.195 0.272 0.321 0.378 0.442 0.511 0.588 0.673 0.772
35 0.195 0.280 0.337 0.404 0.473 0.551 0.633 0.728 0.837
36 0.195 0.290 0.357 0.432 0.512 0.594 0.689 0.791 0.905
37 0.202 0.305 0.382 0.467 0.554 0.645 0.746 0.859 0.984
38 0.217 0.333 0.424 0.518 0.615 0.714 0.825 0.953 1.094
39 0.236 0.372 0.471 0.575 0.680 0.791 0.914 1.058 1.219
40 0.255 0.405 0.514 0.628 0.738 0.856 0.995 1.153 1.327
41 0.273 0.437 0.561 0.682 0.801 0.931 1.077 1.247 1.440
42 0.296 0.480 0.615 0.749 0.885 1.027 1.188 1.373 1.587
43 0.313 0.510 0.658 0.805 0.951 1.105 1.275 1.474 1.700
44 0.329 0.539 0.701 0.861 1.016 1.180 1.362 1.574 1.816
45 0.347 0.572 0.746 0.920 1.085 1.262 1.458 1.685 1.943
46 0.366 0.605 0.791 0.983 1.166 1.357 1.570 1.815 2.095
47 0.384 0.642 0.845 1.053 1.263 1.472 1.700 1.966 2.295
48 0.402 0.683 0.906 1.136 1.378 1.612 1.861 2.157 2.528
49 0.420 0.728 0.974 1.232 1.504 1.768 2.054 2.380 2.780
50 0.438 0.779 1.050 1.333 1.633 1.937 2.259 2.618 3.034
51 0.469 0.852 1.159 1.472 1.808 2.156 2.520 2.919 3.366
52 0.504 0.933 1.273 1.622 1.988 2.373 2.775 3.215 3.703
53 0.542 1.016 1.395 1.772 2.170 2.578 3.013 3.494 4.032
54 0.585 1.108 1.522 1.929 2.351 2.777 3.240 3.757 4.360
55 0.634 1.210 1.663 2.098 2.544 2.988 3.469 4.024 4.702
56 0.692 1.326 1.822 2.290 2.755 3.213 3.724 4.321 5.061
57 0.764 1.464 2.009 2.513 2.989 3.477 4.027 4.666 5.448
58 0.848 1.630 2.233 2.772 3.277 3.807 4.399 5.078 5.888
59 0.949 1.825 2.489 3.075 3.628 4.206 4.842 5.555 6.410
60 1.063 2.040 2.773 3.413 4.034 4.659 5.339 6.090 7.008
61 1.195 2.271 3.075 3.786 4.475 5.149 5.875 6.678 7.673
62 1.344 2.511 3.388 4.185 4.925 5.657 6.440 7.314 8.391
63 1.511 2.789 3.739 4.602 5.381 6.165 7.009 7.958 9.135
64 1.699 3.119 4.136 5.036 5.855 6.688 7.588 8.619 9.918
65 1.910 3.468 4.556 5.485 6.359 7.247 8.217 9.359 10.807
X [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
-- ------ ------ ------ ------ ------ ------ ------
20 0.331 0.275 0.299 0.318 0.345 0.369 1.470 35
21 0.346 0.293 0.313 0.337 0.365 0.399 1.560 36
22 0.347 0.301 0.322 0.352 0.389 0.431 1.670 37
23 0.357 0.314 0.338 0.377 0.420 0.463 1.790 38
24 0.376 0.340 0.367 0.415 0.467 0.518 1.930 39
25 0.404 0.370 0.409 0.466 0.528 0.584 2.080 40
26 0.431 0.398 0.450 0.509 0.579 0.646 2.260 41
27 0.478 0.442 0.499 0.566 0.643 0.716 2.440 42
28 0.528 0.486 0.549 0.621 0.705 0.785 2.620 43
29 0.590 0.543 0.607 0.684 0.772 0.861 2.800 44
30 0.659 0.605 0.674 0.755 0.848 0.945 2.990 45
31 0.723 0.663 0.740 0.827 0.931 1.040 3.190 46
32 0.778 0.714 0.799 0.894 1.007 1.133 3.410 47
33 0.832 0.769 0.864 0.979 1.115 1.263 3.650 48
34 0.885 0.825 0.936 1.076 1.237 1.407 3.900 49
35 0.956 0.894 1.022 1.179 1.359 1.549 4.190 5O
36 1.035 0.973 1.115 1.290 1.491 1.704 4.500 51
37 1.128 1.061 1.215 1.405 1.629 1.870 4.850 52
38 1.255 1.172 1.337 1.539 1.783 2.055 5.260 53
39 1.394 1.299 1.479 1.703 1.980 2.294 5.680 54
40 1.521 1.412 1.604 1.850 2.150 2.504 6.130 55
41 1.652 1.539 1.759 2.032 2.373 2.791 6.590 56
42 1.827 1.712 1.961 2.264 2.651 3.123 7.050 57
43 1.979 1.869 2.159 2.512 2.947 3.483 7.490 58
44 2.133 2.039 2.382 2.790 3.283 3.879 7.960 59
45 2.300 2.230 2.627 3.099 3.654 4.324 8.510 60
46 2.491 2.434 2.892 3.433 4.064 4.817 9.160 61
47 2.710 2.651 3.153 3.753 4.450 5.260 9.980 62
48 2.959 2.883 3.429 4.088 4.848 5.741 11.010 63
49 3.230 3.134 3.719 4.430 5.271 6.259 12.230 64
50 3.515 3.406 4.045 4.843 5.801 6.942 13.550 65
51 3.894 3.756 4.460 5.343 6.422 7.711 14.970 66
52 4.278 4.128 4.904 5.886 7.093 8.535 16.410 67
53 4.666 4.517 5.382 6.470 7.799 9.399 17.860 68
54 5.066 4.927 5.897 7.093 8.546 10.309 19.410 69
55 5.488 5.369 6.450 7.765 9.354 11.298 21.200 70
56 5.944 5.846 7.045 8.494 10.241 12.376 23.340 71
57 6.442 6.363 7.693 9.295 11.217 13.570 25.990 72
58 6.990 6.924 8.392 10.162 12.293 14.900 29.220 73
59 7.599 7.533 9.135 11.097 13.475 16.361 33.220 71
60 8.276 8.194 9.941 12.112 14.761 17.960 37.320 75
61 9.016 8.953 10.907 13.374 16.419 20.060 42.040 76
62 9.836 9.793 11.976 14.771 18.223 22.388 47.110 77
63 10.700 10.732 13.237 16.466 20.511 25.391 52.530 78
64 11.622 11.705 14.497 18.142 22.701 28.225 58.450 79
65 12.674 12.844 16.040 20.211 25.478 31.886 65.120 80
MALE SMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS 1-15
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8
-- ----- ----- ----- ----- ----- ------ ------ ------ ------
20 0.320 0.456 0.473 0.475 0.473 0.450 0.458 0.455 0.465
21 0.334 0.442 0.463 0.463 0.458 0.437 0.452 0.460 0.478
22 0.318 0.425 0.452 0.452 0.447 0.436 0.444 0.452 0.474
23 0.311 0.412 0.446 0.446 0.445 0.438 0.446 0.458 0.481
24 0.299 0.399 0.433 0.443 0.447 0.444 0.451 0.470 0.500
25 0.290 0.384 0.423 0.439 0.453 0.455 0.468 0.494 0.532
26 0.277 0.367 0.405 0.425 0.449 0.462 0.482 0.514 0.559
27 0.277 0.360 0.398 0.428 0.458 0.483 0.516 0.556 0.614
28 0.282 0.364 0.400 0.435 0.471 0.509 0.549 0.606 0.676
29 0.290 0.373 0.408 0.449 0.497 0.541 0.598 0.667 0.748
30 0.302 0.392 0.432 0.475 0.529 0.591 0.653 0.739 0.836
31 0.308 0.410 0.451 0.503 0.563 0.634 0.712 0.802 0.920
32 0.310 0.415 0.466 0.523 0.591 0.671 0.761 0.863 0.988
33 0.303 0.416 0.475 0.545 0.625 0.712 0.814 0.923 1.053
34 0.293 0.417 0.487 0.568 0.660 0.758 0.866 0.985 1.123
35 0.293 0.428 0.511 0.608 0.707 0.817 0.932 1.066 1.217
36 0.293 0.444 0.542 0.651 0.765 0.881 1.015 1.157 1.315
37 0.304 0.466 0.579 0.703 0.828 0.957 1.099 1.257 1.430
38 0.326 0.509 0.643 0.779 0.919 1.059 1.215 1.395 1.591
39 0.355 0.568 0.715 0.865 1.015 1.173 1.346 1.549 1.773
40 0.384 0.619 0.780 0.946 1.103 1.270 1.465 1.686 1.928
41 0.411 0.668 0.852 1.027 1.197 1.381 1.586 1.824 2.093
42 0.446 0.734 0.934 1.128 1.322 1.524 1.750 2.010 2.307
43 0.471 0.780 0.998 1.211 1.422 1.639 1.878 2.156 2.472
44 0.496 0.825 1.063 1.296 1.517 1.751 2.007 2.302 2.640
45 0.523 0.875 1.131 1.386 1.622 1.872 2.149 2.465 2.824
46 0.551 0.925 1.200 1.479 1.743 2.013 2.314 2.655 3.045
47 0.578 0.983 1.281 1.586 1.887 2.184 2.505 2.876 3.336
48 0.604 1.045 1.375 1.710 2.059 2.391 2.742 3.156 3.675
49 0.632 1.113 1.478 1.854 2.247 2.623 3.026 3.482 4.042
50 0.659 1.191 1.593 2.007 2.440 2.873 3.327 3.830 4.410
51 0.705 1.303 1.758 2.216 2.702 3.198 3.712 4.271 4.894
52 0.758 1.427 1.932 2.442 2.971 3.521 4.089 4.704 5.383
53 0.815 1.554 2.117 2.668 3.242 3.824 4.439 5.112 5.862
54 0.880 1.694 2.309 2.904 3.514 4.120 4.773 5.498 6.338
55 0.953 1.850 2.524 3.158 3.801 4.433 5.110 5.888 6.835
56 1.041 2.028 2.765 3.448 4.117 4.766 5.486 6.323 7.357
57 1.149 2.238 3.048 3.783 4.466 5.158 5.933 6.827 7.919
58 1.276 2.493 3.388 4.173 4.897 5.648 6.480 7.431 8.559
59 1.427 2.790 3.776 4.629 5.421 6.239 7.132 8.128 9.317
60 1.600 3.119 4.207 5.138 6.029 6.912 7.865 8.911 10.188
61 1.798 3.473 4.666 5.699 6.686 7.638 8.654 9.771 11.154
62 2.022 3.841 5.140 6.300 7.359 8.392 9.487 10.702 12.198
63 2.273 4.266 5.672 6.928 8.041 9.145 10.326 11.644 13.279
64 2.557 4.770 6.275 7.582 8.748 9.922 11.179 12.611 14.417
65 2.874 5.304 6.912 8.257 9.502 10.751 12.106 13.694 15.709
X [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
-- ------ ------ ------ ------ ------ ------ ------
20 0.478 0.400 0.420 0.431 0.450 0.464 1.470 35
21 0.499 0.427 0.440 0.456 0.476 0.501 1.560 36
22 0.502 0.438 0.452 0.477 0.507 0.542 1.670 37
23 0.516 0.458 0.475 0.510 0.548 0.582 1.790 38
24 0.543 0.495 0.515 0.561 0.609 0.651 1.930 39
25 0.583 0.539 0.575 0.631 0.688 0.734 2.080 40
26 0.623 0.580 0.632 0.690 0.755 0.812 2.260 41
27 0.690 0.644 0.701 0.767 0.839 0.900 2.440 42
28 0.763 0.709 0.771 0.841 0.920 0.987 2.620 43
29 0.852 0.791 0.853 0.926 1.007 1.082 2.800 44
30 0.952 0.881 0.947 1.022 1.107 1.188 2.990 45
31 1.044 0.966 1.039 1.120 1.214 1.307 3.190 46
32 1.124 1.041 1.123 1.211 1.314 1.424 3.410 47
33 1.202 1.121 1.214 1.325 1.455 1.587 3.650 48
34 1.278 1.202 1.315 1.456 1.613 1.769 3.900 49
35 1.380 1.303 1.436 1.596 1.773 1.947 4.190 50
36 1.494 1.418 1.566 1.746 1.945 2.142 4.500 51
37 1.629 1.546 1.707 1.903 2.125 2.350 4.850 52
38 1.813 1.708 1.879 2.084 2.326 2.583 5.260 53
39 2.013 1.893 2.077 2.306 2.583 2.883 5.680 54
40 2.197 2.058 2.254 2.504 2.805 3.148 6.130 55
41 2.386 2.244 2.472 2.751 3.096 3.508 6.590 56
42 2.639 2.495 2.755 3.066 3.458 3.925 7.050 57
43 2.859 2.724 3.033 3.402 3.844 4.378 7.490 58
44 3.081 2.972 3.347 3.777 4.283 4.875 7.960 59
45 3.323 3.251 3.691 4.195 4.767 5.434 8.510 60
46 3.597 3.549 4.063 4.648 5.303 6.054 9.160 61
47 3.914 3.865 4.430 5.082 5.805 6.611 9.980 62
48 4.274 4.202 4.818 5.535 6.325 7.216 11.010 63
49 4.666 4.568 5.226 5.998 6.876 7.866 12.230 64
50 5.077 4.965 5.684 6.558 7.568 8.725 13.550 65
51 5.624 5.475 6.266 7.234 8.378 9.692 14.970 66
52 6.179 6.017 6.890 7.970 9.253 10.726 16.410 67
53 6.739 6.584 7.561 8.761 10.174 11.813 17.860 68
54 7.317 7.181 8.286 9.604 11.150 12.957 19.410 69
55 7.927 7.826 9.062 10.513 12.204 14.199 21.200 70
56 8.585 8.521 9.898 11.500 13.360 15.554 23.340 71
57 9.305 9.274 10.808 12.585 14.634 17.055 25.990 72
58 10.097 10.092 11.790 13.759 16.038 18.726 29.220 73
59 10.977 10.981 12.835 15.025 17.580 20.563 33.220 74
60 11.954 11.944 13.967 16.399 19.258 22.572 37.320 75
61 13.023 13.051 15.324 18.108 21.420 25.211 42.040 76
62 14.208 14.274 16.826 20.000 23.775 28.138 47.110 77
63 15.456 15.644 18.597 22.294 26.759 31.912 52.530 78
64 16.787 17.062 20.367 24.564 29.617 35.474 58.450 79
65 18.307 18.723 22.535 27.365 33.240 40.076 65.120 80
FEMALE PREFERRED SMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS 1-15
X [X] [X]+l [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
--- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------
20 0.367 0.467 0.530 0.535 0.534 0.511 0.521 0.522 0.541 0.568 0.532 0.596 0.651 0.718 0.781 1.940 35
21 0.384 0.462 0.528 0.530 0.526 0.504 0.526 0.543 0.575 0.614 0.587 0.643 0.705 0.774 0.853 2.090 36
22 0.373 0.452 0.525 0.527 0.523 0.513 0.531 0.551 0.591 0.639 0.620 0.676 0.750 0.836 0.936 2.280 37
23 0.371 0.446 0.526 0.528 0.532 0.530 0.550 0.578 0.621 0.677 0.664 0.724 0 814 0.916 1.019 2.490 38
24 0.362 0.439 0.519 0.537 0.549 0.555 0.577 0.614 0.664 0.728 0.730 0.796 0.907 1.032 1.154 2.730 39
25 0.358 0.430 0.519 0.546 0.574 0.589 0.619 0.664 0.723 0.797 0.805 0.899 1.034 1.180 1.317 3.000 40
26 0.348 0.420 0.510 0.545 0.589 0.619 0.656 0.708 0.774 0.862 0.879 1.002 1.144 1.312 1.476 3.330 41
27 0.356 0.424 0.517 0.569 0.622 0.667 0.719 0.779 0.861 0.968 0.989 1.126 1.288 1.474 1.656 3.640 42
28 0.372 0.442 0.539 0.599 0.659 0.719 0.779 0.861 0.960 1.085 1.102 1.254 1.431 1.638 1.831 3.960 43
29 0.395 0.469 0.569 0.636 0.711 0.779 0.861 0.960 1.077 1.228 1.245 1.405 1.596 1.808 2.023 4.280 44
30 0.426 0.510 0.621 0.688 0.771 0.861 0.952 1.077 1.220 1.388 1.405 1.579 1.775 2.003 2.239 4.610 45
31 0.450 0.549 0.662 0.744 0.832 0.937 1.052 1.185 1.358 1.542 1.559 1.747 1.962 2.216 2.474 4.950 46
32 0.465 0.570 0.697 0.783 0.885 1.003 1.139 1.292 1.477 1.680 1.694 1.903 2.138 2.408 2.684 5.310 47
33 0.466 0.581 0.721 0.826 0.948 1.079 1.234 1.398 1.594 1.813 1.839 2.075 2.349 2.655 2.980 5.680 48
34 0.460 0.590 0.749 0.874 1.014 1.163 1.328 1.511 1.714 1.943 1.989 2.256 2.571 2.932 3.308 6.080 49
35 0.466 0.614 0.796 0.947 1.100 1.270 1.448 1.648 1.873 2.115 2.165 2.454 2.807 3.208 3.626 6.540 50
36 0.472 0.645 0.855 1.026 1.205 1.387 1.590 1.804 2.041 2.299 2.346 2.665 3.058 3.506 3.973 7.000 51
37 0.495 0.687 0.926 1.122 1.321 1.520 1.736 1.976 2.229 2.496 2.547 2.893 3.319 3.814 4.324 7.520 52
38 0.539 0.759 1.041 1.260 1.478 1.695 1.934 2.201 2.468 2.767 2.803 3.172 3.620 4.142 4.694 8.130 53
39 0.594 0.858 1.171 1.410 1.646 1.892 2.152 2.434 2.739 3.060 3.094 3.493 3.974 4.543 5.174 8.750 54
40 0.650 0.946 1.289 1.554 1.802 2.057 2.333 2.640 2.968 3.326 3.348 3.759 4.262 4.870 5.577 9.400 55
41 0.704 1.030 1.418 1.701 1.964 2.228 2.515 2.844 3.208 3.597 3.622 4.072 4.623 5.308 6.108 10.050 56
42 0.770 1.140 1.568 1.877 2.161 2.448 2.763 3.120 3.522 3.947 3.978 4.481 5.087 5.827 6.718 10.670 57
43 0.822 1.221 1.682 2.006 2.314 2.623 2.953 3.334 3.743 4.222 4.289 4.871 5.547 6.366 7.359 11.250 58
44 0.871 1.297 1.786 2.139 2.460 2.790 3.144 3.532 3.949 4.493 4.620 5.283 6.054 6.966 8.047 11.850 59
45 0.922 1.371 1.892 2.277 2.619 2.971 3.338 3.734 4.171 4.785 4.966 5.725 6.605 7.614 8.765 12.510 60
46 0.968 1.442 2.000 2.421 2.803 3.169 3.550 3.972 4.441 5.092 5.328 6.190 7.186 8.276 9.534 13.360 61
47 1.012 1.527 2.126 2.584 3.010 3.395 3.795 4.248 4.781 5.444 5.700 6.628 7.676 8.847 10.212 14.390 62
48 1.053 1.617 2.271 2.765 3.243 3.671 4.102 4.581 5.176 5.839 6.085 7.043 8.163 9.453 10.928 15.780 63
49 1.097 1.715 2.422 2.961 3.496 3.976 4.450 4.967 5.592 6.260 6.464 7.459 8.675 10.076 11.673 17.330 64
50 1.140 1.820 2.579 3.165 3.748 4.280 4.808 5.367 5.991 6.656 6.859 7.957 9.300 10.868 12.683 19.070 65
51 1.210 1.968 2.810 3.450 4.080 4.682 5.270 5.877 6.496 7.199 7.418 8.600 10.053 11.786 13.797 20.790 66
52 1.284 2.127 3.049 3.736 4.407 5.063 5.699 6.325 6.977 7.757 7.993 9.267 10.850 12.747 14.943 22.580 67
53 1.363 2.288 3.283 4.012 4.725 5.401 6.045 6.711 7.452 8.294 8.572 9.963 11.679 13.716 16.100 24.200 68
54 1.454 2.451 3.519 4.289 5.028 5.686 6.347 7.078 7.900 8.825 9.158 10.691 12.530 14.704 17.267 26.020 69
55 1.547 2.631 3.779 4.581 5.314 5.973 6.665 7.432 8.349 9.366 9.773 11.442 13.418 15.737 18.491 27.950 70
56 1.661 2.833 4.065 4.886 5.621 6.297 7.015 7.822 8.803 9.933 10.414 12.227 14.352 16.836 19.785 30.450 71
57 1.800 3.070 4.378 5.235 5.981 6.683 7.435 8.273 9.278 10.535 11.089 13.055 15.348 18.013 21.179 33.550 72
58 1.962 3.340 4.752 5.664 6.429 7.171 7.955 8.817 9.814 11.184 11.799 13.917 16.390 19.272 22.686 37.330 73
59 2.145 3.651 5.194 6.159 6.975 7.759 8.573 9.439 10.451 11.889 12.545 14.797 17.473 20.608 24.289 41.740 74
60 2.349 4.003 5.674 6.700 7.598 8.418 9.252 10.123 11.174 12.652 13.329 15.720 18.604 22.012 25.978 46.640 75
61 2.589 4.370 6.168 7.280 8.251 9.103 9.959 10.854 11.955 13.464 14.217 16.826 20.030 23.855 28.445 51.920 76
62 2.854 4.735 6.655 7.880 8.888 9.784 10.675 11.617 12.770 14.339 15.170 18.014 21.556 25.957 31.105 57.460 77
63 3.144 5.153 7.192 8.480 9.500 10.426 11.354 12.346 13.571 15.218 16.210 19.399 23.556 28.624 34.554 63.280 78
64 3.464 5.641 7.786 9.079 10.107 11.054 12.007 13.054 14.374 16.116 17.226 20.828 25.428 31.032 37.605 69.410 79
65 3.813 6.139 8.391 9.668 10.727 11.700 12.693 13.829 15.271 17.124 18.531 22.578 27.748 34.096 41.571 76.260 80
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7
--- ----- ------ ------ ------ ------ ------ ------ ------
20 0.384 0.787 0.821 0.829 0.827 0.791 0.808 0.809
21 0.623 0.778 0.818 0.821 0.815 0.781 0.815 0.842
22 0.605 0.762 0.813 0.816 0.810 0.796 0.823 0.853
23 0.602 0.752 0.815 0.819 0.824 0.822 0.853 0.896
24 0.588 0.739 0.805 0.832 0.850 0.861 0.895 0.951
25 0.581 0.724 0.805 0.846 0.889 0.913 0.960 1.029
26 0.564 0.707 0.791 0.845 0.913 0.960 1.017 1.097
27 0.577 0.714 0.802 0.882 0.964 1.033 1.114 1.207
28 0.603 0.745 0.836 0.929 1.022 1.114 1.207 1.334
29 0.640 0.790 0.882 0.986 1.102 1.207 1.334 1.488
30 0.691 0.859 0.963 1.067 1.195 1.334 1.476 1.670
31 0.730 0.925 1.027 1.152 1.289 1.452 1.631 1.836
32 0.755 0.960 1.081 1.213 1.371 1.555 1.765 2.002
33 0.756 0.979 1.118 1.281 1.470 1.673 1.912 2.167
34 0.746 0.994 1.161 1.354 1.571 1.803 2.059 2.341
35 0.755 1.035 1.234 1.468 1.706 1.968 2.245 2.554
36 0.765 1.086 1.326 1.590 1.868 2.150 2.465 2.796
37 0.803 1.157 1.435 1.739 2.047 2.355 2.691 3.062
38 0.874 1.279 1.614 1.952 2.292 2.627 2.998 3.411
39 0.964 1.446 1.815 2.185 2.552 2.933 3.336 3.772
40 1.055 1.594 1.999 2.409 2.794 3.188 3.616 4.092
41 1.142 1.736 2.199 2.636 3.044 3.453 3.898 4.408
42 1.250 1.921 2.430 2.909 3.349 3.794 4.283 4.836
43 1.333 2.058 2.607 3.110 3.587 4.065 4.577 5.168
44 1.413 2.186 2.768 3.315 3.814 4.325 4.872 5.474
45 1.496 2.310 2.933 3.529 4.059 4.605 5.174 5.788
46 1.570 2.430 3.100 3.753 4.345 4.911 5.503 6.156
47 1.641 2.572 3.295 4.006 4.665 5.262 5.883 6.585
48 1.709 2.725 3.521 4.285 5.027 5.690 6.358 7.101
49 1.780 2.890 3.755 4.589 5.418 6.162 6.897 7.699
50 1.848 3.067 3.997 4.905 5.809 6.634 7.453 8.319
51 1.962 3.315 4.355 5.347 6.323 7.258 8.168 9.109
52 2.082 3.583 4.726 5.790 6.831 7.848 8.834 9.803
53 2.211 3.855 5.089 6.218 7.324 8.371 9.370 10.402
54 2.358 4.130 5.454 6.648 7.794 8.813 9.838 10.971
55 2.510 4.433 5.857 7.101 8.237 9.258 10.331 11.520
56 2.694 4.773 6.301 7.574 8.712 9.761 10.874 12.123
57 2.920 5.172 6.786 8.114 9.270 10.358 11.524 12.823
58 3.183 5.627 7.366 8.779 9.965 11.115 12.330 13.667
59 3.480 6.151 8.051 9.546 10.811 12.027 13.289 14.630
60 3.809 6.744 8.795 10.385 11.776 13.048 14.340 15.691
61 4.199 7.363 9.560 11.284 12.790 14.109 15.437 16.824
62 4.630 7.978 10.315 12.213 13.776 15.166 16.547 18.006
63 5.100 8.681 11.147 13.144 14.725 16.161 17.599 19.137
64 5.618 9.504 12.068 14.073 15.666 17.134 18.611 20.234
65 6.185 10.343 13.005 14.985 16.627 18.135 19.675 21.435
X [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
--- ------ ------ ------ ------ ------ ------ ------ ------
20 0.839 0.880 0.794 0.859 0.904 0.961 1.007 1.940 35
21 0.891 0.952 0.876 0.926 0.979 1.036 1.101 2.090 36
22 0.916 0.991 0.926 0.974 1.042 1.119 1.207 2.280 37
23 0.962 1.049 0.991 1.042 1.129 1.226 1.315 2.490 38
24 1.029 1.129 1.091 1.146 1.260 1.381 1.490 2.730 39
25 1.120 1.235 1.203 1.295 1.435 1.580 1.699 3.000 40
26 1.199 1.337 1.313 1.443 1.589 1.756 1.905 3.330 41
27 1.334 1.500 1.477 1.621 1.788 1.974 2.137 3.640 42
28 1.488 1.682 1.646 1.805 1.986 2.193 2.363 3.960 43
29 1.670 1.903 1.860 2.023 2.216 2.420 2.611 4.280 44
30 1.890 2.151 2.099 2.274 2.464 2.681 2.890 4.610 45
31 2.105 2.390 2.330 2.516 2.724 2.966 3.193 4.950 46
32 2.289 2.604 2.530 2.740 2.968 3.223 3.464 5.310 47
33 2.471 2.810 2.747 2.988 3.261 3.553 3.846 5.680 48
34 2.657 3.012 2.971 3.248 3.569 3.924 4.269 6.080 49
35 2.903 3.278 3.234 3.533 3.896 4.294 4.679 6.540 5O
36 3.164 3.564 3.504 3.838 4.246 4.693 5.127 7.000 51
37 3.454 3.869 3.805 4.166 4.607 5.105 5.580 7.520 52
38 3.826 4.289 4.187 4.568 5.025 5.544 6.058 8.130 53
39 4.246 4.744 4.622 5.030 5.516 6.080 6.677 8.750 54
40 4.601 5.155 5.002 5.412 5.917 6.519 7.198 9.400 55
41 4.972 5.575 5.411 5.863 6.418 7.105 7.883 10.050 56
42 5.460 6.118 5.943 6.452 7.062 7.800 8.670 10.670 57
43 5.802 6.544 6.407 7.014 7.701 8.521 9.498 11.250 58
44 6.121 6.964 6.902 7.607 8.404 9.324 10.385 11.850 59
45 6.465 7.417 7.419 8.244 9.169 10.191 11.312 12.510 60
46 6.884 7.892 7.959 8.914 9.976 11.077 12.305 13.360 61
47 7.410 8.439 8.515 9.544 10.656 11.841 13.179 14.390 62
48 8.023 9.050 9.091 10.142 11.333 12.652 14.103 15.780 63
49 8.667 9.703 9.656 10.741 12.044 13.487 15.065 17.330 64
50 9.287 10.317 10.247 11.458 12.911 14.546 16.369 19.070 65
51 10.069 11.158 11.082 12.384 13.956 15.775 17.806 20.790 66
52 10.815 12.024 11.941 13.345 15.062 17.061 19.285 22.580 67
53 11.550 12.856 12.805 14.346 16.213 18.358 20.779 24.200 68
54 12.245 13.679 13.682 15.394 17.395 19.681 22.284 26.020 69
55 12.940 14.517 14.600 16.477 18.627 21.063 23.864 27.950 70
56 13.644 15.396 15.557 17.607 19.924 22.534 25.534 30.450 71
57 14.381 16.330 16.565 18.799 21.307 24.109 27.333 33.550 72
58 15.211 17.335 17.626 20.040 22.753 25.795 29.278 37.330 73
59 16.200 18.428 18.740 21.308 24.256 27.584 31.346 41.740 74
60 17.319 19.610 19.911 22.637 25.827 29.462 33.527 46.640 75
61 18.530 20.869 21.239 24.229 27.806 31.929 36.711 51.920 76
62 19.794 22.225 22.663 25.940 29.924 34.742 40.143 57.460 77
63 21.035 23.587 24.216 27.935 32.701 38.312 44.595 63.280 78
64 22.280 24.979 25.734 29.992 35.300 41.535 48.532 69.410 79
65 23.671 26.542 27.684 32.513 38.521 45.637 53.651 76.260 80
Memorandum Addendum No. VI to the Automatic Reinsurance Agreement effective June
1, 1984 between the Life Insurance Company of Virginia and the North American
Reassurance Company.
Effective February 1, 1992, reinsurance generated on the Graded Premium Life
plan, (Form P1417 1/92) shall be ceded under the above referenced Reinsurance
Agreement subject to the same terms and conditions of the Agreement except as
provided below:
1. Plan of Reinsurance:
A. Reinsurance of Life risks shall be on the risk premium basis. The risk
amount on the policy reinsured shall be calculated annually and shall
be equal to the face amount less the Company's retention.
2. Reinsurance Administration:
A. Reinsurance shall be ceded using a bordereau format in accordance with
the suggested reporting details for Non-Universal Life products as
indicated in Exhibit C of the basic Agreement.
3. Reinsurance Premiums:
A. Life Premiums
i) Until further notice, reinsurance premiums shall be developed as
described in the Exhibit B attached to this Memorandum Addendum.
North American Re guarantees that premium rates for a given
attained age, rating, and duration shall not exceed the higher of
the rate shown in the attached schedule (Exhibit B) for that age,
rating, and duration or the one year term rate on the appropriate
multiple of the applicable 1980 CSO table at the maximum
statutory valuation rate approved in New York state.
ii) Reinsurance premiums are annual premiums payable at the end of
the month in which they become due.
- _ -
4. Premium Tax Reimbursement:
A. The reinsurance premiums for these plans of insurance have been
calculated to reflect the Ceding Company's premium tax liability.
North American Re shall not make any additional reimbursement for
premium taxes.
5. Percentage of Participation:
A. North American Re's percentage of participation shall be equal to 20%
of 100%.
IN WITNESS WHEREOF, the Company and North American Re have caused their names to
be subscribed and duly attested hereunder by their respective Authorized
Officers.
THE LIFE INSURANCE COMPANY OF VIRGINIA
By /s/ Illegible Zd V.P.
------------------, --------
Authorized officer Title
Attest:
By /s/ Illegible Illegible
------------------, -----------
Authorized Officer Title
Date: april 14, 1992
NORTH AMERICAN REASSURANCE COMPANY
By /s/ Illegible Sr Vice President
------------------, -----------------
Authorized Officer Title
Attest:
By /s/ Illegible assistant Secretary
------------------, -------------------
Authorized Officer Title
Date: april 17, 1992
- 2 -
REINSURANCE PREMIUMS
I. Plan: Graded Premium Life (Form P1417 1/92)
II. Standard Reinsurance Risk Premiums: Reinsurance on the above plan shall be
ceded on a bordereau basis employing annual reinsurance premiums. The
reinsurance premiums shall equal the mortality assumptions attached to this
Exhibit B, multiplied by the following factors:
ISSUE PREF PREF
AGE NS NS SMK SMK
--------- ---- ---- ---- ----
0-40 1.25 1.25 1.25 1.25
41-60 1.08 1.10 1.05 1.05
61 & Older 1.10 1.08 1.15 1.15
Re-entry is available after 10 years. Upon re-entry, the policy is treated
as a new issue.
III. Multiple Table Substandard Reinsurance Premiums: Multiple table substandard
reinsurance premiums are equal to the sum of the standard premium
(Preferred Nonsmoker and Smoker or Standard Nonsmoker and Smoker) and 25%
of the standard premium for each 25% excess mortality.
IV. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
LIFE INSURANCE COMPANY OF VIRGINIA
GRADED PREMIUM LIFE
MALE PREFERRED NONSMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS 1-10
NONREENTRANT MORTALITY YEARS 11+
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7
--- ----- ----- ----- ------ ------ ------ ------ ------
20 0.620 0.570 0.588 0.588 0.582 0.547 0.549 0.540
21 0.399 0.519 0.550 0.556 0.551 0.527 0.550 0.559
22 0.348 0.459 0.493 0.495 0.491 0.482 0.492 0.504
23 0.309 0.404 0.438 0.440 0.443 0.435 0.447 0.458
24 0.268 0.351 0.382 0.395 0.398 0.399 0.405 0.424
25 0.239 0.310 0.345 0.357 0.372 0.373 0.386 0.411
26 0.221 0.289 0.319 0.338 0.356 0.369 0.389 0.415
27 0.216 0.274 0.305 0.327 0.353 0.376 0.402 0.435
28 0.215 0.274 0.300 0.329 0.360 0.389 0.421 0.471
29 0.221 0.277 0.306 0.340 0.377 0.412 0.462 0.512
30 0.225 0.287 0.321 0.353 0.395 0.446 0.492 0.562
31 0.227 0.298 0.328 0.369 0.418 0.469 0.532 0.602
32 0.230 0.302 0.340 0.387 0.436 0.500 0.570 0.650
33 0.225 0.303 0.351 0.401 0.465 0.532 0.613 0.698
34 0.215 0.302 0.353 0.416 0.485 0.561 0.644 0.738
35 0.217 0.308 0.372 0.445 0.521 0.605 0.696 0.803
36 0.219 0.326 0.401 0.484 0.573 0.666 0.773 0.889
37 0.231 0.349 0.436 0.532 0.633 0.738 0.855 0.983
38 0.248 0.380 0.484 0.591 0.704 0.818 0.943 1.093
39 0.270 0.424 0.538 0.657 0.779 0.905 1.048 1.218
40 0.297 0.471 0.600 0.734 0.861 1.001 1.167 1.355
41 0.324 0.519 0.668 0.811 0.954 1.114 1.291 1.497
42 0.352 0.571 0.732 0.893 1.058 1.231 1.426 1.653
43 0.380 0.618 0.799 0.982 1.163 1.354 1.565 1.811
44 0.408 0.669 0.873 1.074 1.269 1.478 1.708 1.972
45 0.440 0.728 0.950 1.174 1.388 1.616 1.866 2.156
46 0.475 0.786 1.031 1.283 1.525 1.773 2.053 2.366
47 0.511 0.855 1.127 1.407 1.685 1.966 2.265 2.614
48 0.547 0.932 1.237 1:550 1.881 2.195 2.529 2.925
49 0.586 1.016 1.359 1.720 2.094 2.457 2.849 3.294
50 0.626 1.112 1.500 1.900 2.322 2.749 3.199 3.699
51 0.669 1.217 1.651 2.093 2.567 3.054 3.561 4.111
52 0.720 1.329 1.811 2.302 2.816 3.353 3.909 4.530
53 0.772 1.445 1.980 2.510 3.066 3.631 4.245 4.921
54 0.832 1.572 2.155 2.725 3.312 3.913 4.564 5.294
55 0.899 1.714 2.350 2.955 3.584 4.209 4.888 5.671
56 0.980 1.874 2.567 3.227 3.881 4.527 5.249 6.094
57 1.079 2.061 2.830 3.539 4.212 4.901 5.679 6.584
58 1.194 2.296 3.145 3.906 4.619 5.369 6.208 7.164
59 1.336 2.570 3.507 4.333 5.117 5.935 6.830 7.834
60 1.498 2.874 3.908 4.813 5.694 6.573 7.529 8.592
61 1.684 3.201 4.337 5.342 6.312 7.261 8.288 9.423
62 1.894 3.541 4.781 5.903 6.945 7.980 9.087 10.323
63 2.131 3.936 5.274 6.490 7.592 8.699 9.893 11.245
64 2.398 4.400 5.833 7.105 8.261 9.440 10.724 12.197
65 2.695 4.891 6.427 7.739 8.975 10.242 11.629 13.278
66 3.017 5.379 7.007 8.389 9.743 11.135 12.695 14.569
67 3.377 5.822 7.524 9.052 10.579 12.177 13.976 16.163
68 3.767 6.230 7.999 9.716 11.498 13.396 15.561 18.127
69 4.194 6.642 8.467 10.400 12.500 14.816 17.429 20.502
70 4.655 7.038 8.932 11.090 13.584 16.383 19.584 23.265
X [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+11 ULT
--- ------ ------ ------ ------- ------- ------- ------- -------
20 0.542 0.553 0.997 0.973 0.968 0.979 0.965 0.964 35
21 0.585 0.610 1.155 1.080 1.060 1.035 1.023 0.987 36
22 0.528 0.562 1.070 0.987 0.989 1.004 0.997 0.999 37
23 0.484 0.524 1.008 0.940 0.980 1.001 1.007 1.035 38
24 0.455 0.494 0.995 0.940 0.986 1.042 1.062 1.104 39
25 0.443 0.488 1.012 0.973 1.051 1.112 1.147 1.209 40
26 0.454 0.511 1.067 1.067 1.128 1.207 1.261 1.329 41
27 0.486 0.544 1.169 1.163 1.236 1.321 1.391 1.464 42
28 0.522 0.596 1.273 1.265 1.330 1.431 1.508 1.595 43
29 0.580 0.663 1.429 1.393 1.461 1.556 1.648 1.744 44
30 0.638 0.731 1.571 1.527 1.589 1.684 1.788 1.923 45
31 0.694 0.791 1.706 1.658 1.715 1.823 1.958 2.139 46
32 0.748 0.857 1.855 1.807 1.871 2.006 2.183 2.388 47
33 0.802 0.923 2.013 1.961 2.069 2.254 2.473 2.718 48
34 0.849 0.975 2.136 2.114 2.281 2.519 2.800 3.113 49
35 0.924 1.053 2.342 2.356 2.562 2.850 .3.196 3.588 50
36 1.016 1.165 2.627 2.659 2.910 3.248 3.645 4.066 51
37 1.129 1.298 2.952 2.991 3.273 3.662 4.111 4.547 52
38 1.260 1.448 3.309 3.348 3.642 4.077 4.609 5.044 53
39 1.406 1.611 3.707 3.730 4.041 4.535 5.134 5.652 54
40 1.563 1.795 4.149 4.143 4.493 5.018 5.729 6.360 55
41 1.733 1.990 4.632 4.638 4.989 5.591 6.436 7.241 56
42 1.912 2.200 5.191 5.193 5.591 6.284 7.270 8.289 57
43 2.088 2.432 5.786 5.838 6.328 7.119 8.244 9.421 58
44 2.277 2.667 6.443 6.584 7.185 8.102 9.352 10.765 59
45 2.480 2.931 7.193 7.413 8.146 9.200 10.671 12.204 60
46 2.726 3.234 8.001 8.311 9.186 10.454 12.138 13.792 61
47 3.045 3.588 8.896 9.264 10.335 11.816 13.764 15.598 62
48 3.422 3.995 9.858 10.306 11.524 13.243 15.523 17.615 63
49 3.839 4.446 10.953 11.401 12.761 14.772 17.415 19.824 64
50 4.273 4.953 12.105 12.551 14.087 16.408 19.454 22.126 65
51 4.743 5.485 13.345 13.895 15.698 18.464 22.075 25.311 66
52 5.216 6.028 14.695 15.478 17.707 21.019 25.458 29.414 67
53 5.682 6.576 16.054 17.052 19.656 23.477 28.726 33.334 68
54 6.145 7.143 17.521 18.812 21.943 26.536 32.829 38.205 69
55 6.631 7.745 19.021 20.596 24.245 29.577 36.847 42.813 70
56 7.142 8.385 20.640 22.620 26.880 33.044 41.414 48.592 71
57 7.685 9.085 22.338 24.804 29.697 36.581 45.882 53.989 72
58 8.304 9.861 24.175 27.271 32.940 40.638 51.025 60.121 73
59 9.043 10.723 26.248 30.176 36.907 45.888 57.765 68.284 74
60 9.889 11.680 28.456 33.224 41.008 51.193 64.455 76.413 75
61 10.830 12.741 31.052 36.460 45.394 57.305 72.634 86.282 76
62 11.858 13.919 33.867 39.830 49.873 63.193 80.535 96.088 77
63 12.927 15.181 37.003 43.828 55.235 70.617 90.782 108.974 78
64 14.071 16.537 40.597 48.399 61.534 79.361 102.974 124.416 79
65 15.377 18.104 44.853 53.969 69.111 89.875 117.759 142.622 80
66 16.952 19.939 50.072 60.742 78.190 102.331 135.514 163.844 81
67 18.864 22.187 56.444 68.841 88.822 116.850 156.456 188.641 82
68 21.247 24.956 63.981 78.106 100.739 132.927 179.893 216.461 83
69 24.114 28.261 72.593 88.479 113.804 150.365 205.805 248.856 84
70 27.438 32.063 82.595 100.492 128.901 170.769 237.111 288.006 85
LIFE INSURANCE COMPANY OF VIRGINIA
GRADED PREMIUM LIFE
MALE NONSMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS 1-10
NONREENTRANT MORTALITY YEARS 11+
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7
--- ----- ------ ----- ------ ------ ------ ------ ------
20 0.646 0.871 0.891 0.886 0.870 0.811 0.808 0.790
21 0.600 0.794 0.835 0.836 0.823 0.782 0.810 0.818
22 0.524 0.702 0.749 0.745 0.733 0.715 0.724 0.737
23 0.465 0.618 0.665 0.662 0.662 0.646 0.658 0.671
24 0.404 0.536 0.579 0.594 0.595 0.592 0.596 0.620
25 0.360 0.473 0.523 0.538 0.556 0.553 0.569 0.602
26 0.333 0.442 0.484 0.508 0.532 0.548 0.573 0.608
27 0.324 0.419 0.462 0.493 0.527 0.558 0.592 0.636
28 0.323 0.418 0.455 0.495 0.537 0.577 0.620 0.689
29 0.333 0.424 0.464 0.512 0.563 0.612 0.680 0.750
30 0.339 0.440 0.486 0.531 0.590 0.662 0.724 0.822
31 0.342 0.456 0.498 0.555 0.625 0.696 0.784 0.880
32 0.346 0.462 0.516 0.583 0.652 0.742 0.839 0.952
33 0.339 0.464 0.532 0.604 0.695 0.789 0.902 1.021
34 0.324 0.463 0.535 0.626 0.725 0.832 0.949 1.080
35 0.327 0.472 0.565 0.670 0.779 0.898 1.025 1.174
36 0.329 0.499 0.608 0.729 0.856 0.987 1.139 1.301
37 0.348 0.533 0.662 0.802 0.945 1.095 1.259 1.438
38 0.373 0.582 0.734 0.889 1.051 1.213 1.390 1.600
39 0.406 0.648 0.816 0.989 1.163 1.342 1.544 1.783
40 0.446 0.720 0.910 1.105 1.286 1.485 1.720 1.982
41 0.487 0.794 1.014 1.221 1.426 1.652 1.901 2.191
42 0.530 0.874 1.110 1.345 1.582 1.826 2.101 2.419
43 0.572 0.946 1.213 1.478 1.738 2.008 2.305 2.650
44 0.613 1.023 1.324 1.617 1.897 2.193 2.517 2.885
45 0.662 1.113 1.441 1.768 2.074 2.397 2.748 3.155
46 0.715 1.203 1.564 1.932 2.279 2.630 3.024 3.462
47 0.768 1.308 1.710 2.118 2.518 2.916 3.337 3.824
48 0.823 1.426 1.877 2.333 2.811 3.256 3.726 4.280
49 0.882 1.554 2.062 2.589 3.129 3.645 4.198 4.820
50 0.942 1.700 2.276 2.860 3.470 4.078 4.713 5.412
51 1.007 1.862 2.505 3.152 3.835 4.530 5.245 6.015
52 1.083 2.033 2.748 3.465 4.208 4.975 5.758 6.628
53 1.162 2.211 3.004 3.779 4.581 5.386 6.254 7.200
54 1.252 2.405 3.270 4.103 4.949 5.805 6.723 7.746
55 1.353 2.621 3.566 4.448 5.355 6.244 7.201 8.298
56 1.475 2.866 3.894 4.858 5.799 6.715 7.732 8.916
57 1.623 3.153 4.294 5.329 6.293 7.270 8.367 9.634
58 1.797 3.512 4.772 5.881 6.902 7.965 9.145 10.482
59 2.011 3.931 5.320 6.524 7.645 8.805 10.061 11.463
60 2.254 4.396 5.929 7.246 8.508 9.751 11.091 12.571
61 2.534 4.895 6.580 8.043 9.432 10.771 12.209 13.788
62 2.850 5.416 7.253 8.887 10.378 11.839 13.387 15.104
63 3.206 6.021 8.001 9.770 11.344 12.905 14.573 16.454
64 3.608 6.729 8.849 10.697 12.345 14.004 15.798 17.846
65 4.054 7.480 9.752 11.651 13.411 15.193 17.131 19.429
66 4.540 8.227 10.631 12.630 14.559 16.519 18.702 21.317
67 5.080 8.904 11.416 13.628 15.807 18.065 20.589 23.650
68 5.668 9.529 12.136 14.627 17.181 19.873 22.924 26.523
69 6.311 10.158 12.846 15.656 18.678 21.979 25.676 29.999
70 7.005 10.765 13.551 16.696 20.297 24.304 28.851 34.041
X [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+11 ULT
--- ----- ------ ------- ------- ------- ------- ------- -------
20 0.788 0.798 1.365 1.255 1.190 1.142 1.058 1.019 35
21 0.850 0.881 1.587 1.399 1.309 1.209 1.122 1.044 36
22 0.767 0.811 1.468 1.271 1.212 1.164 1.082 1.044 37
23 0.704 0.757 1.381 1.206 1.197 1.155 1.084 1.069 38
24 0.661 0.714 1.364 1.206 1.204 1.202 1.146 1.150 39
25 0.645 0.705 1.388 1.251 1.284 1.283 1.238 1.260 40
26 0.659 0.738 1.465 1.373 1.377 1.392 1.362 1.385 41
27 0.707 0.785 1.606 1.500 1.511 1.523 1.501 1.526 42
28 0.759 0.861 1.749 1.631 1.622 1.645 1.621 1.659 43
29 0.844 0.958 1.965 1.794 1.779 1.783 1.767 1.812 44
30 0.928 1.055 2.161 1.965 1.930 1.923 1.912 1.995 45
31 1.009 1.143 2.346 2.132 2.078 2.075 2.089 2.201 46
32 1.087 1.237 2.551 2.322 2.267 2.284 2.330 2.457 47
33 1.166 1.334 2.769 2.521 2.508 2.574 2.653 2.804 48
34 1.234 1.408 2.936 2.717 2.768 2.883 3.022 3.245 49
35 1.343 1.522 3.221 3.032 3.119 3.276 3.472 3.753 50
36 1.477 1.682 3.616 3.431 3.555 3.752 3.981 4.294 51
37 1.641 1.876 4.066 3.867 4.009 4.243 4.502 4.808 52
38 1.831 2.091 4.562 4.335 4.465 4.730 5.051 5.373 53
39 2.044 2.327 5.115 4.836 4.959 5.262 5.625 5.981 54
40 2.271 2.593 5.729 5.375 5.517 5.823 6.281 6.730 55
41 2.518 2.875 6.400 6.025 6.131 6.495 7.072 7.670 56
42 2.780 3.177 7.178 6.755 6.882 7.318 8.019 8.796 57
43 3.035 3.512 ' 8.005 7.606 7.810 8.323 9.140 10.088 58
44 3.310 3.852 8.918 8.594 8.896 9.517 10.430 11.638 59
45 3.606 4.234 9.960 9.690 10.115 10.854 11.975 13.315 60
46 3.963 4.671 11.082 10.877 11.433 12.379 13.696 15.076 61
47 4.426 5.183 12.323 12.133 12.881 14.030 15.603 17.083 62
48 4.974 5.770 13.657 13.498 14.369 15.746 17.646 19.317 63
49 5.581 6.422 15.172 14.928 15.906 17.572 19.820 21.752 64
50 6.211 7.154 16.764 16.424 17.550 19.520 22.147 24.435 65
51 6.895 7.922 18.477 18.180 19.564 21.992 25.188 27.983 66
52 7.583 8.707 20.340 20.260 22.106 25.102 29.183 32.571 67
53 8.260 9.498 22.212 22.315 24.553 28.077 33.027 36.951 68
54 8.933 10.318 24.231 24.607 27.431 31.822 37.917 42.670 69
55 9.639 11.187 26.291 26.927 30.320 35.538 42.684 48.145 70
56 10.383 12.111 28.515 29.575 33.658 39.807 48.128 54.395 71
57 11.171 13.122 30.843 32.457 37.264 44.168 53.427 60.812 72
58 12.070 14.244 33.363 35.736 41.457 49.216 59.560 68.157 73
59 13.145 15.489 36.208 39.619 46.629 55.829 67.713 77.493 74
60 14.376 16.871 39.237 43.703 51.993 62.530 75.793 86.807 75
61 15.742 18.404 42.812 47.973 57.609 70.140 85.679 98.615 76
62 17.237 20.106 46.686 52.413 63.332 77.437 95.173 110.472 77
63 18.791 21.928 51.007 57.705 70.237 86.750 107.690 125.386 78
64 20.454 23.886 55.977 63.828 78.478 97.936 122.956 144.060 79
65 22.352 26.150 61.893 71.385 88.562 111.696 142.041 167.001 80
66 24.642 28.800 69.172 80.659 100.824 128.349 165.660 194.780 81
67 27.422 32.047 78.067 91.815 115.342 148.119 194.362 227.374 82
68 30.886 36.048 88.571 104.571 131.667 170.228 227.201 265.267 83
69 35.053 40.821 100.547 118.836 149.605 194.428 264.336 310.772 84
70 39.885 46.313 114.473 135.493 170.697 223.647 311.757 368.373 85
LIFE INSURANCE COMPANY OF VIRGINIA
GRADED PREMIUM LIFE
MALE PREFERRED SMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS 1-10
NONREENTRANT MORTALITY YEARS 11+
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7
--- ----- ------ ------ ------ ------ ------ ------ ------
20 0.740 0.896 0.998 0.993 0.977 0.918 0.919 0.909
21 0.692 0.829 0.948 0.952 0.944 0.901 0.943 0.966
22 0.614 0.744 0.864 0.866 0.856 0.844 0.866 0.896
23 0.553 0.665 0.783 0.783 0.791 0.782 0.810 0.853
24 0.488 0.589 0.695 0.720 0.730 0.738 0.768 0.813
25 0.443 0.530 0.643 0.669 0.703 0.722 0.756 0.805
26 0.418 0.506 0.610 0.651 0.704 0.737 0.777 0.835
27 0.417 0.493 0.600 0.661 0.719 0.767 0.824 0.894
28 0.426 0.507 0.619 0.684 0.748 0.813 0.882 0.972
29 0.452 0.538 0.650 0.722 0.805 0.882 0.972 1.081
30 0.482 0.574 0.696 0.768 0.862 0.960 1.058 1.195
31 0.501 0.608 0.731 0.822 0.917 1.030 1.155 1.300
32 0.518 0.632 0.775 0.867 0.977 1.107 1.256 1.420
33 0.520 0.649 0.803 0.917 1.051 1.196 1.364 1.546
34 0.509 0.651 0.824 0.960 1.113 1.274 1.455 1.655
35 0.515 0.678 0.877 1.043 1.208 1.395 1.592 1.815
36 0.530 0.723 0.960 1.147 1.348 1.553 1.783 2.025
37 0.566 0.785 1.056 1.279 1.506 1.736 1.986 2.262
38 0.616 0.866 1.187 1.436 1.690 1.938 2.214 2.529
39 0.678 0.978 1.335 1.611 1.883 2.166 2.473 2.805
40 0.755 1.100 1.502 1.812 2.103 2.409 2.741 3.107
41 0.835 1.223 1.686 2.023 2.345 2.668 3.019 3.420
42 0.915 1.356 1.865 2.241 2.588 2.938 3.323 3.761
43 0.996 1.482 2.049 2.451 2.833 3.217 3.631 4.095
44 1.078 1.613 2.226 2.671 3.080 3.500 3.940 4.425
45 1.170 1.745 2.413 2.909 3.354 3.802 4.270 4.773
46 1.258 1.879 2.610 3.167 3.663 4.139 4.634 5.178
47 1.347 2.035 2.841 3.451 4.016 4.528 5.056 5.646
48 1.436 2.209 3.100 3.772 4.422 4.999 5.573 6.213
49 1.533 2.394 3.380 4.129 4.868 5.524 6.173 6.874
50 1.628 2.599 3.680 4.510 5.328 6.075 6.809 7.577
51 1.727 2.807 4.004 4.905 5.791 6.630 7.439 8.280
52 1.831 3.031 4.334 5.303 6.241 7.148 8.030 8.908
53 1.943 3.253 4.660 5.681 6.670 7.610 8.514 9.457
54 2.067 3.479 4.983 6.055 7.085 8.008 8.945 9.971
55 2.196 3.726 5.334 6.454 7.485 8.417 9.389 10.471
56 2.352 3.999 5.727 6.882 7.921 8.871 9.883 11.029
57 2.541 4.325 6.166 7.377 8.425 9.415 10.483 11.670
58 2.765 4.704 6.697 7.979 9.058 10.112 11.221 12.436
59 3.021 5.145 7.317 8.677 9.835 10.946 12.092 13.312
60 3.310 5.639 7.994 9.448 10.718 11.873 13.048 14.285
61 3.647 6.157 8.697 10.269 11.638 12.838 14.053 15.314
62 4.021 6.677 9.388 11.114 12.535 13.807 15.062 16.396
63 4.433 7.269 10.143 11.960 13.405 14.711 16.025 17.447
64 4.886 7.956 10.981 12.812 14.260 15.601 16.968 18.472
65 5.378 8.658 11.840 13.641 15.140 16.534 17.962 19.619
66 5.895 9.317 12.617 14.451 16.055 17.548 19.130 20.990
67 6.454 9.857 13.241 15.232 17.016 18.722 20.536 22.690
68 7.039 10.309 13.750 15.959 18.043 20.083 22.279 24.945
69 7.658 10.735 14.207 16.664 19.127 21.641 24.461 27.643
70 8.304 11.105 14.621 17.328 20.252 23.459 26.930 30.723
X [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+11 ULT
--- ------ ------ ------ ------- ------- ------- ------- -------
20 0.918 0.946 1.696 1.790 1.782 1.895 1.959 1.988 35
21 1.020 1.092 2.041 2.033 2.010 2.050 2.088 2.080 36
22 0.963 1.037 1.922 1.901 1.905 1.992 2.073 2.120 37
23 0.911 0.988 1.854 1.847 1.893 2.023 2.108 2.214 38
24 0.874 0.956 1.874 1.858 1.944 2.124 2.261 2.405 39
25 0.874 0.965 1.917 1.966 2.091 2.303 2.467 2.651 40
26 0.914 1.016 2.069 2.174 2.279 2.525 2.752 2.950 41
27 0.985 1.104 2.291 2.411 2.526 2.805 3.071 3.278 42
28 1.081 1.220 2.536 2.649 2.752 3.071 3.357 3.621 43
29 1.211 1.380 2.881 2.957 3.057 3.364 3.692 3.999 44
30 1.353 1.536 3.215 3.280 3.347 3.661 4.046 4.433 45
31 1.486 1.687 3.532 3.591 3.632 3.999 4.454 4.871 46
32 1.624 1.849 3.873 3.940 4.002 4.425 4.942 5.418 47
33 1.764 2.009 4.235 4.323 4.453 4.956 5.584 6.145 48
34 1.882 2.136 4.536 4.684 4.890 5.524 6.307 7.065 49
35 2.064 2.333 5.006 5.199 5.485 6.238 7.184 8.041 50
36 2.293 2.593 5.600 5.853 6.223 7.099 8.155 9.109 51
37 2.561 2.877 6.281 6.564 6.987 7.967 9.136 10.051 52
38 2.845 3.196 7.029 7.326 7.735 8.810 10.111 11.099 53
39 3.164 3.542 7.859 8.118 8.525 9.671 11.139 12.194 54
40 3.501 3.932 8.760 8.952 9.356 10.585 12.276 13.490 55
41 3.867 4.332 9.722 9.893 10.281 11.650 13.574 15.094 56
42 4.242 4.751 10.767 10.961 11.389 12.895 15.087 16.966 57
43 4.596 5.181 11.883 12.175 12.705 14.385 16.828 19.091 58
44 4.945 5.619 13.076 13.514 14.213 16.115 18.813 21.306 59
45 5.325 6.094 14.369 14.961 15.859 18.040 21.010 23.762 60
46 5.776 6.612 15.713 16.480 17.622 20.059 23.410 26.323 61
47 6.344 7.207 17.157 18.071 19.384 22.199 26.072 29.190 62
48 7.004 7.876 18.695 19.631 21.134 24.410 28.870 32.321 63
49 7.714 8.619 20.274 21.222 22.932 26.708 31.782 35.623 64
50 8.442 9.374 21.886 22.893 24.810 29.092 34.794 39.172 65
51 9.149 10.145 23.632 24.845 27.114 32.093 38.730 43.868 66
52 9.833 10.928 25.489 27.138 29.998 35.849 43.833 49.882 67
53 10.497 11.685 27.269 29.276 32.632 39.239 48.474 55.573 68
54 11.130 12.444 29.111 31.627 35.683 43.469 54.278 62.248 69
55 11.772 13.212 30.910 33.886 38.585 47.415 59.635 68.512 70
56 12.418 14.009 32.792 36.411 41.855 51.850 65.591 75.494 71
57 13.086 14.859 34.674 39.039 45.261 56.142 71.031 82.268 72
58 13.841 15.781 36.632 41.971 49.146 60.986 77.186 89.796 73
59 14.748 16.774 38.827 45.400 53.905 67.352 85.416 99.354 74
60 15.765 17.856 41.072 48.829 58.572 73.412 93.024 108.976 75
61 16.872 19.027 43.737 52.272 63.236 80.121 102.888 121.153 76
62 18.046 20.290 46.520 55.669 67.676 86.603 111.819 132.132 77
63 19.204 21.589 49.555 59.680 73.491 94.875 123.627 147.387 78
64 20.393 22.932 53.013 64.633 80.327 104.613 137.636 164.590 79
65 21.731 24.461 57.533 70.695 88.611 116.339 154.671 185.290 80
66 23.341 26.409 63.106 78.059 98.497 130.127 175.031 208.790 81
67 25.463 28.792 69.890 86.756 109.893 145.931 198.668 236.605 82
68 28.099 31.721 77.738 96.440 122.219 162.726 224.204 266.896 83
69 31.236 35.167 86.434 106.928 135.108 180.074 251.070 298.980 84
70 34.796 39.043 96.352 118.785 149.695 199.903 282.838 339.381 85
LIFE INSURANCE COMPANY OF VIRGINIA
GRADED PREMIUM LIFE
MALE SMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS 1-10
NONREENTRANT MORTALITY YEARS 11+
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7
--- ----- ----- ----- ------ ------ ------ ------ ------
20 0.775 1.510 1.547 1.539 1.514 1.423 1.425 1.409
21 1.123 1.397 1.469 1.476 1.463 1.396 1.462 1.497
22 0.996 1.254 1.339 1.343 1.327 1.309 1.342 1.389
23 0.897 1.121 1.214 1.214 1.227 1.212 1.256 1.322
24 0.791 0.993 1.077 1.117 1.132 1.144 1.190 1.260
25 0.719 0.893 0.996 1.037 1.089 1.120 1.172 1.248
26 0.678 0.853 0.946 1.009 1.092 1.143 1.204 1.294
27 0.676 0.830 0.930 1.025 1.114 1.188 1.277 1.385
28 0.691 0.854 0.959 1.060 1.159 1.261 1.367 1.507
29 0.733 0.906 1.007 1.119 1.247 1.367 1.507 1.675
30 0.782 0.968 1.078 1.191 1.336 1.487 1.640 1.852
31 0.813 1.024 1.134 1.274 1.421 1.596 1.790 2.015
32 0.840 1.065 1.201 1.344 1.514 1.715 1.947 2.201
33 0.844 1.094 1.245 1.422 1.630 1.854 2.114 2.396
34 0.825 1.097 1.277 1.487 1.726 1.974 2.255 2.566
35 0.836 1.142 1.359 1.617 1.873 2.162 2.467 2.813
36 0.860 1.219 1.487 1.778 2.090 2.407 2.764 3.139
37 0.918 1.322 1.636 1.982 2.335 2.691 3.078 3.505
38 0.999 1.458 1.839 2.226 2.619 3.004 3.432 3.920
39 1.099 1.648 2.070 2.498 2.919 3.358 3.833 4.348
40 1.225 1.853 2.328 2.809 3.259 3.734 4.248 4.816
41 1.354 2.061 2.614 3.136 3.635 4.136 4.679 5.301
42 1.484 2.284 2.890 3.474 4.012 4.554 5.150 5.829
43 1.616 2.497 3.176 3.800 4.391 4.987 5.628 6.348
44 1.749 2.717 3.451 4.141 4.773 5.426 6.108 6.858
45 1.898 2.940 3.740 4.510 5.199 5.893 6.618 7.398
46 2.041 3.165 4.045 4.908 5.678 6.415 7.188 8.026
47 2.184 3.429 4.404 5.349 6.225 7.019 7.837 8.751
48 2.329 3.722 4.805 5.846 6.855 7.748 8.638 9.631
49 2.487 4.034 5.239 6.399 7.546 8.562 9.568 10.655
50 2.640 4.378 5.704 6.990 8.259 9.417 10.554 11.744
51 2.801 4.730 6.206 7.602 8.975 10.277 11.531 12.834
52 2.971 5.106 6.718 8.219 9.673 11.079 12.446 13.807
53 3.151 5.481 7.223 8.805 10.339 11.795 13.197 14.658
54 3.353 5.862 7.724 9.385 10.981 12.412 13.864 15.455
55 3.562 6.277 8.268 10.004 11.602 13.046 14.553 16.229
56 3.815 6.738 8.878 10.667 12.277 13.750 15.319 17.095
57 4.122 7.287 9.558 11.434 13.059 14.593 16.249 18.088
58 4.485 7.926 10.380 12.367 14.039 15.673 17.393 19.276
59 4.901 8.668 11.341 13.449 15.245 16.966 18.743 20.634
60 5.368 9.501 12.391 14.644 16.613 18.403 20.225 22.141
61 5.915 10.373 13.480 15.917 18.039 19.899 21.783 23.737
62 6.523 11.250 14.551 17.226 19.430 21.400 23.346 25.413
63 7.191 12.246 15.722 18.538 20.778 22.802 24.838 27.043
64 7.926 13.405 17.021 19.858 22.103 24.182 26.301 28.632
65 8.723 14.587 18.352 21.143 23.466 25.628 27.841 30.410
66 9.562 15.697 19.556 22.399 24.885 27.200 29.652 32.534
67 10.469 16.607 20.523 23.609 26.375 29.019 31.832 35.169
68 11.417 17.368 21.312 24.736 27.967 31.129 34.532 38.665
69 12.423 18.087 22.021 25.830 29.646 33.543 37.915 42.846
70 13.469 18.710 22.663 26.859 31.390 36.362 41.741 47.621
X [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
--- ------ ------ ------- ------- ------- ------- ------- -------
20 1.424 1.466 2.441 2.367 2.305 2.292 2.192 2.135 35
21 1.581 1.693 2.953 2.705 2.613 2.483 2.336 2.233 36
22 1.493 1.607 2.772 2.506 2.456 2.391 2.294 2.248 37
23 1.412 1.531 2.669 2.422 2.433 2.417 2.309 2.336 38
24 1.355 1.482 2.701 2.436 2.499 2.538 2.483 2.519 39
25 1.355 1.496 2.764 2.582 2.690 2.751 2.711 2.800 40
26 1.417 1.575 2.989 2.865 2.931 3.015 3.024 3.117 41
27 1.527 1.711 3.313 3.184 3.250 3.347 3.374 3.463 42
28 1.675 1.891 3.670 3.498 3.533 3.653 3.670 3.788 43
29 1.877 2.139 4.174 3.899 3.919 3.989 4.027 4.178 44
30 2.097 2.380 4.658 4.320 4.281 4.322 4.396 4.584 45
31 2.303 2.615 5.116 4.723 4.632 4.707 4.827 5.029 46
32 2.518 2.865 5.610 5.177 5.103 5.208 5.361 5.644 47
33 2.734 3.115 6.135 5.682 5.684 5.851 6.092 6.419 48
34 2.918 3.311 6.569 6.154 6.248 6.540 6.927 7.410 49
35 3.200 3.616 7.253 6.846 7.029 7.420 7.949 8.527 50
36 3.555 4.020 8.124 7.741 8.007 8.490 9.079 9.694 51
37 3.970 4.460 9.124 8.708 9.012 9.561 10.203 10.795 52
38 4.410 4.954 10.225 9.743 9.988 10.586 11.299 11.839 53
39 4.904 5.489 11.446 10.816 11.018 11.624 12.445 13.007 54
40 5.427 6.094 12.773 11.944 12.100 12.724 13.727 14.503 55
41 5.994 6.715 14.192 13.226 13.308 14.024 15.215 16.245 56
42 6.576 7.364 15.733 14.685 14.769 15.563 16.987 18.439 57
43 7.124 8.031 17.378 16.356 16.523 17.440 19.061 20.807 58
44 7.664 8.709 19.137 18.207 18.546 19.643 21.460 23.454 59
45 8.254 9.446 21.043 20.208 20.756 22.102 24.142 26.244 60
46 8.954 10.249 23.021 22.303 23.121 24.681 27.075 29.342 61
47 9.833 11.170 25.142 24.484 25.474 27.400 30.322 32.605 62
48 10.856 12.208 27.397 26.600 27.787 30.180 33.691 36.391 63
49 11.957 13.360 29.706 28.739 30.144 33.043 37.145 40.134 64
50 13.085 14.530 32.058 30.973 32.598 35.997 40.681 44.159 65
51 14.181 15.725 34.602 33.606 35.645 39.770 45.410 49.513 66
52 15.241 16.938 37.305 36.733 39.511 44.566 51.687 56.755 67
53 16.271 18.112 39.884 39.610 43.008 48.864 57.374 63.330 68
54 17.251 19.288 42.548 42.756 47.071 54.306 64.608 71.473 69
55 18.247 20.479 45.142 45.765 50.919 59.373 71.250 78.772 70
56 19.247 21.715 47.853 49.178 55.312 65.128 78.691 87.382 71
57 20.283 23.031 50.557 52.787 59.948 70.717 85.455 95.299 72
58 21.453 24.461 53.370 56.875 65.304 77.108 93.179 104.141 73
59 22.859 26.000 56.531 61.701 71.927 85.639 103.722 116.630 74
60 24.436 27.676 59.760 66.552 78.451 93.810 113.480 128.042 75
61 26.152 29.491 63.625 71.260 84.792 102.648 126.059 143.230 76
62 27.971 31.450 67.659 75.887 90.808 111.119 137.357 156.291 77
63 29.766 33.463 72.064 81.405 98.762 122.116 152.672 175.402 78
64 31.609 35.544 77.130 88.363 108.310 135.439 171.559 198.028 79
65 33.682 37.915 83.807 97.082 120.155 152.033 195.650 226.371 80
66 36.179 40.935 92.082 107.833 134.567 172.175 225.867 259.828 81
67 39.468 44.627 102.167 120.635 151.445 195.936 262.760 301.772 82
68 43.554 49.168 113.795 134.846 169.820 221.658 304.280 349.203 83
69 48.415 54.508 126.631 150.160 189.124 248.652 349.788 403.188 84
70 53.933 60.517 141.294 167.683 211.509 280.993 408.558 472.656 85
LIFE INSURANCE COMPANY OF VIRGINIA
GRADED PREMIUM LIFE
FEMALE PREFERRED NONSMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS 1-10
NONREENTRANT MORTALITY YEARS 11+
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7
--- ----- ----- ----- ----- ----- ------ ------ ------
20 0.307 0.298 0.312 0.316 0.316 0.304 0.311 0.311
21 0.222 0.289 0.305 0.308 0.306 0.295 0.307 0.314
22 0.212 0.278 0.298 0.300 0.299 0.294 0.302 0.309
23 0.207 0.270 0.294 0.296 0.298 0.295 0.303 0.313
24 0.199 0.261 0.285 0.294 0.299 0.299 0.306 0.321
25 0.193 0.251 0.279 0.291 0.303 0.306 0.318 0.337
26 0.184 0.240 0.267 0.282 0.300 0.311 0.327 0.351
27 0.184 0.236 0.262 0.284 0.306 0.326 0.350 0.380
28 0.187 0.238 0.264 0.289 0.315 0.343 0.372 0.414
29 0.193 0.244 0.269 0.298 0.333 0.365 0.406 0.456
30 0.201 0.256 0.285 0.315 0.354 0.398 0.443 0.505
31 0.205 0.268 0.297 0.334 0.377 0.428 0.484 0.548
32 0.206 0.272 0.307 0.347 0.396 0.452 0.517 0.590
33 0.201 0.272 0.313 0.362 0.418 0.480 0.553 0.631
34 0.195 0.272 0.321 0.378 0.442 0.511 0.588 0.673
35 0.195 0.280 0.337 0.404 0.473 0.551 0.633 0.728
36 0.195 0.290 0.357 0.432 0.512 0.594 0.689 0.791
37 0.202 0.305 0.382 0.467 0.554 0.645 0.746 0.859
38 0.217 0.333 0.424 0.518 0.615 0.714 0.825 0.953
39 0.236 0.372 0.471 0.575 0.680 0.791 0.914 1.058
40 0.255 0.405 0.514 0.628 0.738 0.856 0.995 1.153
41 0.273 0.437 0.561 0.682 0.801 0.931 1.077 1.247
42 0.296 0.480 0.615 0.749 0.885 1.027 1.188 1.373
43 0.313 0.510 0.658 0.805 0.951 1.105 1.275 1.474
44 0.329 0.539 0.701 0.861 1.016 1.180 1.362 1.574
45 0.347 0.572 0.746 0.920 1.085 1.262 1.458 1.685
46 0.366 0.605 0.791 0.983 1.166 1.357 1.570 1.815
47 0.384 0.642 0.845 1.053 1.263 1.472 1.700 1.966
48 0.402 0.618 0.906 1.136 1.378 1.612 1.861 2.157
49 0.420 0.728 0.974 1.232 1.504 1.768 2.054 2.380
50 0.438 0.779 1.050 1.333 1.633 1.937 2.259 2.618
51 0.469 0.852 1.159 1.472 1.808 2.156 2.520 2.919
52 0.504 0.933 1.273 1.622 1.988 2.373 2.775 3.215
53 0.542 1.016 1.395 1.772 2.170 2.578 3.013 3.494
54 0.585 1.108 1.522 1.929 2.351 2.777 3.240 3.757
55 0.634 1.210 1.663 2.098 2.544 2.988 3.469 4.024
56 0.692 1.326 1.822 2.290 2.755 3.213 3.724 4.321
57 0.764 1.464 2.009 2.513 2.989 3.477 4.027 4.666
58 0.848 1.630 2.233 2.772 3.277 3.807 4.399 5.078
59 0.949 1.825 2.489 3.075 3.628 4.206 4.842 5.555
60 1.063 2.040 2.773 3.413 4.034 4.659 5.339 6.090
61 1.195 2.271 3.075 3.786 4.475 5.149 5.875 6.678
62 1.344 2.511 3.388 4.185 4.925 5.657 6.440 7.314
63 1.511 2.789 3.739 4.602 5.381 6.165 7.009 7.958
64 1.699 3.119 4.136 5.036 5.855 6.688 7.588 8.619
65 1.910 3.468 4.556 5.485 6.359 7.247 8.217 9.359
66 2.140 3.813 4.966 5.944 6.895 7.869 8.948 10.239
67 2.393 4.126 5.331 6.406 7.475 8.583 9.823 11.315
68 2.670 4.414 5.660 6.866 8.104 9.415 10.894 12.647
69 2.972 4.700 5.983 7.330 8.785 10.372 12.160 14.258
70 3.294 4.974 6.296 7.794 9.509 11.430 13.619 16.115
X [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
--- ------ ------ ------ ------ ------ ------- ------- -------
20 0.320 0.331 0.520 0.496 0.496 0.513 0.510 0.515 35
21 0.329 0.346 0.568 0.521 0.533 0.541 0.558 0.564 36
22 0.326 0.347 0.590 0.540 0.561 0.591 0.622 0.643 37
23 0.331 0.357 0.638 0.588 0.623 0.659 0.678 0.714 38
24 0.344 0.376 0.723 0.672 0.721 0.770 0.799 0.846 39
25 0.366 0.404 0.813 0.785 0.848 0.903 0.936 0.989 40
26 0.385 0.431 0.899 0.891 0.943 1.008 1.054 1.111 41
27 0.422 0.478 1.020 1.013 1.071 1.139 1.188 1.239 42
28 0.465 0.528 1.130 1.117 1.167 1.242 1.291 1.356 43
29 0.515 0.590 1.269 1.232 1.280 1.348 1.408 1.485 44
30 0.575 0.659 1.426 1.379 1.420 1.485 1.558 1.657 45
31 0.633 0.723 1.573 1.525 1.561 1.641 1.732 1.862 46
32 0.679 0.778 1.692 1.635 1.674 1.759 1.868 2.007 47
33 0.724 0.832 1.830 1.783 1.856 1.986 2.136 2.311 48
34 0.772 0.885 1.974 1.949 2.073 2.249 2.448 2.677 49
35 0.837 0.956 2.154 2.154 2.306 2.510 2.744 3.019 50
36 0.905 1.035 2.361 2.379 2.561 2.797 3.062 3.354 51
37 0.984 1.128 2.596 2.619 2.817 3.086 3.386 3.695 52
38 1.094 1.255 2.903 2.919 3.114 3.406 3.739 4.024 53
39 1.219 1.394 3.255 3.270 3.491 3.828 4.228 4.545 54
40 1.327 1.521 3.565 3.564 3.804 4.164 4.631 5.047 55
41 1.440 1.652 3.902 3.912 4.171 4.598 5.181 5.757 56
42 1.587 1.827 4.365 4.387 4.678 5.172 5.856 6.561 57
43 1.700 1.979 4.778 4.846 5.219 5.800 6.608 7.477 58
44 1.816 2.133 5.222 5.370 5.840 6.534 7.463 8.533 59
45 1.943 2.300 5.721 5.941 6.529 7.352 8.448 9.612 60
46 2.095 2.491 6.244 6.549 7.269 8.251 9.542 10.851 61
47 2.295 2.710 6.786 7.116 7.926 9.032 10.460 11.789 62
48 2.528 2.959 7.352 7.685 8.568 9.793 11.404 12.857 63
49 2.780 3.230 7.952 8.251 9.183 10.560 12.356 13.965 64
50 3.034 3.515 8.594 8.893 9.966 11.586 13.703 15.593 65
51 3.366 3.894 9.442 9.774 10.975 12.828 15.255 17.370 66
52 3.703 4.278 10.331 10.730 12.102 14.178 16.952 19.363 67
53 4.032 4.666 11.246 11.729 13.290 15.606 18.768 21.503 68
54 4.360 5.066 12.189 12.765 14.523 17.131 20.693 23.686 69
55 4.702 5.488 13.195 13.879 15.865 18.816 22.810 26.005 70
56 5.061 5.944 14.277 15.129 17.397 20.722 25.153 28.768 71
57 5.448 6.442 15.443 16.585 19.217 22.902 27.790 32.071 72
58 5.888 6.990 16.707 18.233 21.293 25.396 30.775 35.433 73
59 6.410 7.599 18.078 20.019 23.592 28.211 34.101 39.364 74
60 7.008 8.276 19.570 22.014 26.152 31.362 37.807 43.706 75
61 7.673 9.016 21.362 24.179 29.015 35.216 42.816 49.700 76
62 8.391 9.836 23.350 26.597 32.225 39.461 48.456 56.728 77
63 9.135 10.700 25.604 29.545 36.289 45.134 56.199 66.473 78
64 9.918 11.622 28.029 32.616 40.468 50.770 63.797 76.339 79
65 10.807 12.674 31.061 36.716 46.110 58.624 74.686 89.804 80
66 11.867 13.911 34.621 41.262 52.107 66.637 85.567 102.707 81
67 13.161 15.429 39.112 47.114 59.900 77.202 100.301 120.653 82
68 14.776 17.287 44.234 53.344 67.716 87.327 114.188 137.342 83
69 16.703 19.503 50.306 60.804 77.193 99.895 132.019 159.576 84
70 18.935 22.049 57.342 69.408 88.122 114.446 153.018 186.720 85
LIFE INSURANCE COMPANY OF VIRGINIA
GRADED PREMIUM LIFE
FEMALE NONSMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS 1-10
NONREENTRANT MORTALITY YEARS 11+
x [X] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
--- ----- ----- ----- ------ ------ ------ ------ ------
20 0.320 0.456 0.473 0.475 0.473 0.450 0.458 0.455
21 0.334 0.442 0.463 0.463 0.458 0.437 0.452 0.460
22 0.318 0.425 0.452 0.452 0.447 0.436 0.444 0.452
23 0.311 0.412 0.446 0.446 0.445 0.438 0.446 0.458
24 0.299 0.399 0.433 0.443 0.447 0.444 0.451 0.470
25 0.290 0.384 0.423 0.439 0.453 0.455 0.468 0.494
26 0.277 0.367 0.405 0.425 0.449 0.462 0.482 0.514
27 0.277 0.360 0.398 0.428 0.458 0.483 0.516 0.556
28 0.282 0.364 0.400 0.435 0.471 0.509 0.549 0.606
29 0.290 0.373 0.408 0.449 0.497 0.541 0.598 0.667
30 0.302 0.392 0.432 0.475 0.529 0.591 0.653 0.739
31 0.308 0.410 0.451 0.503 0.563 0.634 0.712 0.802
32 0.310 0.415 0.466 0.523 0.591 0.671 0.761 0.863
33 0.303 0.416 0.475 0.545 0.625 0.712 0.814 0.923
34 0.293 0.417 0.487 0.568 0.660 0.758 0.866 0.985
35 0.293 0.428 0.511 0.608 0.707 0.817 0.932 1.066
36 0.293 0.444 0.542 0.651 0.765 0.881 1.015 1.157
37 0.304 0.466 0.579 0.703 0.828 0.957 1.099 1.257
38 0.326 0.509 0.643 0.779 0.919 1.059 1.215 1.395
39 0.355 0.568 0.715 0.865 1.015 1.173 1.346 1.549
40 0.384 0.619 0.780 0.946 1.103 1.270 1.465 1.686
41 0.411 0.668 0.852 1.027 1.197 1.381 1.586 1.824
42 0.446 0.734 0.934 1.128 1.322 1.524 1.750 2.010
43 0.471 0.780 0.998 1.211 1.422 1.639 1.878 2.156
44 0.496 0.825 1.063 1.296 1.517 1.751 2.007 2.302
45 0.523 0.875 1.131 1.386 1.622 1.872 2.149 2.465
46 0.551 0.925 1.200 1.479 1.743 2.013 2.314 2.655
47 0.578 0.983 1.281 1.586 1.887 2.184 2.505 2.876
48 0.604 1.045 1.375 1.710 2.059 2.391 2.742 3.156
49 0.632 1.113 1.478 1.854 2.247 2.623 3.026 3.482
50 0.659 1.191 1.593 2.007 2.440 2.873 3.327 3.830
51 0.705 1.303 1.758 2.216 2.702 3.198 3.712 4.271
52 0.758 1.427 1.932 2.412 2.971 3.521 4.089 4.704
53 0.815 1.554 2.117 2.668 3.242 3.824 4.439 5.112
54 0.880 1.694 2.309 2.904 3.514 4.120 4.773 5.498
55 0.953 1.850 2.524 3.158 3.801 4.433 5.110 5.888
56 1.041 2.028 2.765 3.448 4.117 4.766 5.486 6.323
57 1.149 2.238 3.048 3.783 4.466 5.158 5.933 6.827
58 1.276 2.493 3.388 4.173 4.897 5.648 6.480 7.431
59 1.427 2.790 3.776 4.629 5.421 6.239 7.132 8.128
60 1.600 3.119 4.207 5.138 6.029 6.912 7.865 8.911
61 1.798 3.473 4.666 5.699 6.686 7.638 8.654 9.771
62 2.022 3.841 5.140 6.300 7.359 8.392 9.487 10.702
63 2.273 4.266 5.672 6.928 8.041 9.145 10.326 11.644
64 2.557 4.770 6.275 7.582 8.748 9.922 11.179 12.611
65 2.874 5.304 6.912 8.257 9.502 10.751 12.106 13.694
66 3.219 5.832 7.534 8.949 10.303 11.673 13.182 14.981
67 3.601 6.310 8.088 9.644 11.170 12.733 14.470 16.556
68 4.017 6.751 8.588 10.336 12.110 13.967 16.048 18.505
69 4.471 7.188 9.077 11.035 13.127 15.386 17.913 20.862
70 4.957 7.607 9.552 11.734 14.209 16.956 20.063 23.580
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
--- ------ ------ ------ ------ ------- ------- ------- -------
20 0.465 0.478 0.700 0.613 0.575 0.555 0.506 0.486 35
21 0.478 0.499 0.767 0.644 0.620 0.585 0.557 0.540 36
22 0.474 0.502 0.797 0.669 0.654 0.645 0.630 0.627 37
23 0.481 0.516 0.866 0.734 0.735 0.728 0.691 0.698 38
24 0.500 0.543 0.986 0.849 0.862 0.865 0.833 0.845 39
25 0.532 0.583 1.112 1.001 1.026 1.027 0.993 1.014 40
26 0.559 0.623 1.232 1.142 1.145 1.154 1.126 1.143 41
27 0.614 0.690 1.401 1.306 1.308 1.310 1.277 1.288 42
28 0.676 0.763 1.553 1.441 1.423 1.426 1.383 1.397 43
29 0.748 0.852 1.746 1.587 1.559 1.543 1.505 1.528 44
30 0.836 0.952 1.963 1.780 1.732 1.702 1.670 1.721 45
31 0.920 1.044 2.167 1.971 1.905 1.885 1.864 1.923 46
32 0.988 1.124 2.330 2.111 2.039 2.014 2.002 2.085 47
33 1.053 1.202 2.522 2.305 2.268 2.287 2.312 2.412 48
34 1.123 1.278 2.720 2.525 2.543 2.607 2.677 2.827 49
35 1.217 1.380 2.971 2.796 2.838 2.924 3.020 3.222 50
36 1.315 1.494 3.259 3.095 3.163 3.271 3.387 3.585 51
37 1.430 1.629 3.586 3.412 3.487 3.620 3.756 3.957 52
38 1.591 1.813 4.015 3.812 3.863 4.004 4.154 4.340 53
39 1.773 2.013 4.506 4.279 4.343 4.516 4.716 4.910 54
40 1.928 2.197 4.938 4.669 4.735 4.915 5.172 5.456 55
41 2.093 2.386 5.406 5.126 5.191 5.426 5.792 6.228 56
42 2.307 2.639 6.051 5.753 5.830 6.116 6.568 7.153 57
43 2.472 2.859 6.625 6.359 6.512 6.873 7.438 8.162 58
44 2.640 3.081 7.242 7.052 7.299 7.767 8.439 9.334 59
45 2.824 3.323 7.934 7.806 8.172 8.764 9.597 10.597 60
46 3.045 3.597 8.660 8.608 9.108 9.859 10.885 11.984 61
47 3.336 3.914 9.410 9.348 9.925 10.790 11.943 13.019 62
48 3.675 4.274 10.192 10.083 10.712 11.683 13.013 14.199 63
49 4.042 4.666 11.018 10.808 11.452 12.569 11.067 15.414 64
50 4.410 5.077 11.902 11.632 12.408 13.775 15.595 17.210 65
51 4.894 5.624 13.073 12.777 13.658 15.251 17.366 19.171 66
52 5.383 6.179 14.298 14.024 15.063 16.856 19.315 21.384 67
53 5.862 6.739 15.557 15.320 16.538 18.555 21.410 23.760 68
54 6.338 7.317 16.852 16.652 11.058 20.373 23.635 26.187 69
55 6.835 7.927 18.233 11.089 19.716 22.394 26.087 21.766 70
56 7.357 8.585 19.717 19.711 21.632 24.697 28.812 32.037 71
57 7.919 9.305 21.315 21.624 23.946 27.355 31.890 35.533 72
58 8.559 10.097 23.047 23.807 26.613 30.424 35.390 39.519 73
59 9.317 10.977 24.925 26.180 29.581 33.913 39.301 43.945 74
60 10.188 11.954 26.972 28.844 32.905 37.844 43.680 48.837 75
61 11.154 13.023 29.437 31.689 36.547 42.591 49.643 55.912 76
62 12.198 14.208 32.176 34.873 40.642 47.834 56.379 63.896 77
63 13.279 15.456 35.284 38.779 45.873 54.932 65.784 75.411 78
64 14.417 16.787 31.638 42.877 51.297 62.050 75.107 86.752 79
65 15.709 18.307 42.856 48.425 58.756 72.195 88.851 103.355 80
66 17.250 20.093 47.822 54.619 66.760 82.679 102.820 119.593 81
67 19.131 22.286 54.096 62.632 77.247 96.682 122.102 142.053 82
68 21.479 24.970 61.236 71.142 87.756 110.124 140.390 163.313 83
69 24.281 28.170 69.685 81.317 100.504 126.874 164.101 192.342 84
70 27.525 31.849 79.487 93.124 115.374 146.633 192.372 227.897 85
LIFE INSURANCE COMPANY OF VIRGINIA
GRADED PREMIUM LIFE
FEMALE PREFERRED SMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS 1-10
NONREENTRANT MORTALITY YEARS 11+
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8
-- ----- ----- ------ ------ ------ ------ ------ ------ ------
20 0.367 0.467 0.530 0.535 0.534 0.511 0.521 0.522 0.541
21 0.384 0.462 0.528 0.530 0.526 0.504 0.526 0.543 0.575
22 0.373 0.452 0.525 0.527 0.523 0.513 0.531 0.551 0.591
23 0.371 0.446 0.526 0.528 0.532 0.530 0.550 0.578 0.621
24 0.362 0.439 0.519 0.537 0.549 0.555 0.577 0.614 0.664
25 0.358 0.430 0.519 0.546 0.574 0.589 0.619 0.664 0.723
26 0.348 0.420 0.510 0.545 0.589 0.619 0.656 0.708 0.774
27 0.356 0.424 0.517 0.569 0.622 0.667 0.719 0.779 0.861
28 0.372 0.442 0.539 0.599 0.659 0.719 0.779 0.861 0.960
29 0.395 0.469 0.569 0.636 0.711 0.779 0.861 0.960 1.077
30 0.426 0.510 0.621 0.688 0.771 0.861 0.952 1.077 1.220
31 0.450 0.549 0.662 0.744 0.832 0.937 1.052 1.185 1.358
32 0.465 0.570 0.697 0.783 0.885 1.003 1.139 1.292 1.477
33 0.466 0.581 0.721 0.826 0.948 1.079 1.234 1.398 1.594
34 0.460 0.590 0.749 0.874 1.014 1.163 1.328 1.511 1.714
35 0.466 0.614 0.796 0.947 1.100 1.270 1.448 1.648 1.873
36 0.472 0.645 0.855 1.026 1.205 1.387 1.590 1.804 2.041
37 0.495 0.687 0.926 1.122 1.321 1.520 1.736 1.976 2.229
38 0.539 0.759 1.041 1.260 1.478 1.695 1.934 2.201 2.468
39 0.594 0.858 1.171 1.410 1.646 1.892 2.152 2.434 2.739
40 0.650 0.946 1.289 1.554 1.802 2.057 2.333 2.640 2.968
41 0.704 1.030 1.418 1.701 1.964 2.228 2.515 2.844 3.208
42 0.770 1.140 1.568 1.877 2.161 2.448 2.763 3.120 3.522
43 0.822 1.221 1.682 2.006 2.314 2.623 2.953 3.334 3.743
44 0.871 1.297 1.786 2.139 2.460 2.790 3.144 3.532 3.949
45 0.922 1.371 1.892 2.277 2.619 2.971 3.338 3.734 4.171
46 0.968 1.442 2.000 2.421 2.803 3.169 3.550 3.972 4.441
47 1.012 1.527 2.126 2.584 3.010 3.395 3.795 4.248 4.781
48 1.053 1.617 2.271 2.765 3.243 3.671 4.102 4.581 5.176
49 1.097 1.715 2.422 2.961 3.496 3.976 4.450 4.967 5.592
50 1.140 1.820 2.579 3.165 3.748 4.280 4.808 5.367 5.991
51 1.210 1.968 2.810 3.450 4.080 4.682 5.270 5.877 6.496
52 1.284 2.127 3.049 3.736 4.407 5.063 5.699 6.325 6.977
53 1.363 2.288 3.283 4.012 4.725 5.401 6.045 6.711 7.452
54 1.454 2.451 3.519 4.289 5.028 5.686 6.347 7.078 7.900
55 1.547 2.631 3.779 4.581 5.314 5.973 6.665 7.432 8.349
56 1.661 2.833 4.065 4.886 5.621 6.297 7.015 7.822 8.803
57 1.800 3.070 4.378 5.235 5.981 6.683 7.435 8.273 9.278
58 1.962 3.340 4.752 5.664 6.429 7.171 7.955 8.817 9.814
59 2.145 3.651 5.194 6.159 6.975 7.759 8.573 9.439 10.451
60 2.349 4.003 5.674 6.700 7.598 8.418 9.252 10.123 11.174
61 2.589 4.370 6.168 7.280 8.251 9.103 9.959 10.854 11.955
62 2.854 4.735 6.655 7.880 8.888 9.784 10.675 11.617 12.770
63 3.144 5.153 7.192 8.480 9.500 10.426 11.354 12.346 13.571
64 3.464 5.641 7.786 9.079 10.107 11.054 12.007 13.054 14.374
65 3.813 6.139 8.391 9.668 10.727 11.700 12.693 13.829 15.271
66 4.180 6.603 8.942 10.239 11.361 12.401 13.484 14.751 16.340
67 4.574 6.986 9.382 10.779 12.025 13.196 14.432 15.883 17.765
68 4.989 7.304 9.730 11.278 12.718 14.114 15.596 17.403 19.541
69 5.426 7.597 10.040 11.746 13.441 15.149 17.066 19.223 21.638
70 5.876 7.848 10.306 12.178 14.177 16.367 18.728 21.283 24.014
X [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
-- ------ ------ ------ ------- ------- ------- -------
20 0.568 0.838 0.891 0.877 0.962 1.012 1.042 35
21 0.614 0.954 0.963 0.966 1.034 1.123 1.158 36
22 0.639 1.024 1.024 1.038 1.149 1.272 1.339 37
23 0.677 1.144 1.139 1.179 1.306 1.408 1.506 38
24 0.728 1.338 1.326 1.397 1.556 1.687 1.827 39
25 0.797 1.538 1.578 1.679 1.859 2.010 2.167 40
26 0.862 1.734 1.818 1.897 2.107 2.296 2.465 41
27 0.968 2.005 2.099 2.191 2.416 2.624 2.794 42
28 1.085 2.253 2.345 2.415 2.666 2.874 3.061 43
29 1.228 2.567 2.617 2.681 2.914 3.158 3.378 44
30 1.388 2.927 2.970 3.002 3.240 3.525 3.812 45
31 1.542 3.275 3.312 3.329 3.612 3.938 4.238 46
32 1.680 3.549 3.580 3.594 3.883 4.227 4.581 47
33 1.813 3.876 3.937 4.011 4.377 4.825 5.259 48
34 1.943 4.218 4.327 4.475 4.953 5.522 6.070 49
35 2.115 4.630 4.768 4.972 5.519 6.175 6.823 50
36 2.299 5.064 5.250 5.515 6.137 6.873 7.571 51
37 2.496 5.557 5.760 6.053 6.754 7.547 8.186 52
38 2.767 6.206 6.402 6.678 7.403 8.237 8.860 53
39 3.060 6.947 7.151 7.443 8.235 9.210 9.885 54
40 3.326 7.592 7.736 8.016 8.850 9.968 10.789 55
41 3.597 8.247 8.389 8.679 9.650 10.966 12.096 56
42 3.947 9.124 9.294 9.623 10.684 12.198 13.542 57
43 4.222 9.868 10.142 10.564 11.789 13.540 15.253 58
44 4.493 10.653 11.050 11.635 13.070 15.042 16.909 59
45 4.785 11.473 12.019 12.795 14.466 16.667 18.715 60
46 5.092 12.307 13.018 14.002 15.886 18.411 20.726 61
47 5.444 13.132 13.887 14.912 16.981 19.806 22.206 62
48 5.839 13.960 14.646 15.720 18.047 21.172 23.594 63
49 6.260 14.736 15.342 16.492 19.060 22.468 25.103 64
50 6.656 15.530 16.206 17.524 20.483 24.411 27.446 65
51 7.199 16.723 17.458 18.907 22.220 26.625 30.098 66
52 7.757 17.922 18.781 20.426 24.054 28.974 32.826 67
53 8.294 19.095 20.105 21.962 25.915 31.402 35.645 68
54 8.825 20.245 21.413 23.471 27.835 33.874 38.371 69
55 9.366 21.428 22.773 25.071 29.906 36.509 41.151 70
56 9.933 22.657 24.280 26.891 32.208 39.352 44.439 71
57 10.535 23.941 26.034 29.073 34.809 42.480 48.337 72
58 11.184 25.291 27.985 31.537 37.739 45.939 52.071 73
59 11.889 26.707 30.032 34.190 40.966 49.680 56.369 74
60 12.652 28.210 32.264 37.066 44.483 53.722 61.359 75
61 13.464 30.052 34.570 40.117 48.711 59.708 68.740 76
62 14.339 32.043 37.079 43.436 53.549 66.276 76.853 77
63 15.218 34.262 40.143 48.014 60.109 75.448 88.627 78
64 16.116 36.576 43.466 52.543 66.339 84.005 99.078 79
65 17.124 39.828 48.008 58.847 75.256 96.603 114.563 80
66 18.425 43.623 52.929 65.326 83.972 108.620 128.672 81
67 20.023 48.433 59.272 73.771 95.518 125.014 148.317 82
68 21.974 53.753 65.744 81.752 105.832 139.389 164.807 83
69 24.270 59.916 73.349 91.237 118.457 157.649 187.601 84
70 26.850 66.918 81.913 101.920 132.679 178.566 214.854 85
LIFE INSURANCE COMPANY OF VIRGINIA
GRADED PREMIUM LIFE
FEMALE SMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS 1-10
NONREENTRANT MORTALITY YEARS 11+
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8
-- ----- ------ ------ ------ ------ ------ ------ ------ ------
20 0.384 0.787 0.821 0.829 0.827 0.791 0.808 0.809 0.839
21 0.623 0.778 0.818 0.821 0.815 0.781 0.815 0.842 0.891
22 0.605 0.762 0.813 0.816 0.810 0.796 0.823 0.853 0.916
23 0.602 0.752 0.815 0.819 0.824 0.822 0.853 0.896 0.962
24 0.588 0.739 0.805 0.832 0.850 0.861 0.895 0.951 1.029
25 0.581 0.724 0.805 0.846 0.889 0.913 0.960 1.029 1.120
26 0.564 0.707 0.791 0.845 0.913 0.960 1.017 1.097 1.199
27 0.577 0.714 0.802 0.882 0.964 1.033 1.114 1.207 1.334
28 0.603 0.745 0.836 0.929 1.022 1.114 1.207 1.334 1.488
29 0.640 0.790 0.882 0.986 1.102 1.207 1.334 1.488 1.670
30 0.691 0.859 0.963 1.067 1.195 1.334 1.476 1.670 1.890
31 0.730 0.925 1.027 1.152 1.289 1.452 1.631 1.836 2.105
32 0.755 0.960 1.081 1.213 1.371 1.555 1.765 2.002 2.289
33 0.756 0.979 1.118 1.281 1.470 1.673 1.912 2.167 2.471
34 0.746 0.994 1.161 1.354 1.571 1.803 2.059 2.341 2.657
35 0.755 1.035 1.234 1.468 1.706 1.968 2.245 2.554 2.903
36 0.765 1.086 1.326 1.590 1.868 2.150 2.465 2.796 3.164
37 0.803 1.157 1.435 1.739 2.047 2.355 2.691 3.062 3.454
38 0.874 1.279 1.614 1.952 2.292 2.627 2.998 3.411 3.826
39 0.964 1.446 1.815 2.185 2.552 2.933 3.336 3.772 4.246
40 1.055 1.594 1.999 2.409 2.794 3.188 3.616 4.092 4.601
41 1.142 1.736 2.199 2.636 3.044 3.453 3.898 4.408 4.972
42 1.250 1.921 2.430 2.909 3.349 3.794 4.283 4.836 5.460
43 1.333 2.058 2.607 3.110 3.587 4.065 4.577 5.168 5.802
44 1.413 2.186 2.768 3.315 3.814 4.325 4.872 5.474 6.121
45 1.496 2.310 2.933 3.529 4.059 4.605 5.174 5.788 6.465
46 1.570 2.430 3.100 3.753 4.345 4.911 5.503 6.156 6.884
47 1.641 2.572 3.295 4.006 4.665 5.262 5.883 6.585 7.410
48 1.709 2.725 3.521 4.285 5.027 5.690 6.358 7.101 8.023
49 1.780 2.890 3.755 4.589 5.418 6.162 6.897 7.699 8.667
50 1.848 3.067 3.997 4.905 5.809 6.634 7.453 8.319 9.287
51 1.962 3.315 4.355 5.347 6.323 7.258 8.168 9.109 10.069
52 2.082 3.583 4.726 5.790 6.831 7.848 8.834 9.803 10.815
53 2.211 3.855 5.089 6.218 7.324 8.371 9.370 10.402 11.550
54 2.358 4.130 5.454 6.648 7.794 8.813 9.838 10.971 12.245
55 2.510 4.433 5.857 7.101 8.237 9.258 10.331 11.520 12.940
56 2.694 4.773 6.301 7.574 8.712 9.761 10.874 12.123 13.644
57 2.920 5.172 6.786 8.114 9.270 10.358 11.524 12.823 14.381
58 3.183 5.627 7.366 8.779 9.965 11.115 12.330 13.667 15.211
59 3.480 6.151 8.051 9.546 10.811 12.027 13.289 14.630 16.200
60 3.809 6.744 8.795 10.385 11.776 13.048 14.340 15.691 17.319
61 4.199 7.363 9.560 11.284 12.790 14.109 15.437 16.824 18.530
62 4.630 7.978 10.315 12.213 13.776 15.166 16.547 18.006 19.794
63 5.100 8.681 11.147 13.144 14.725 16.161 17.599 19.137 21.035
64 5.618 9.504 12.068 14.073 15.666 17.134 18.611 20.234 22.280
65 6.185 10.343 13.005 14.985 16.627 18.135 19.675 21.435 23.671
66 6.780 11.124 13.861 15.871 17.610 19.221 20.901 22.864 25.327
67 7.419 11.770 14.541 16.707 18.638 20.454 22.370 24.619 27.536
68 8.092 12.306 15.081 17.481 19.713 21.876 24.173 26.975 30.289
69 8.802 12.799 15.562 18.207 20.834 23.481 26.452 29.796 33.539
70 9.531 13.222 15.975 18.875 21.974 25.369 29.028 32.988 37.222
X [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
-- ------ ------ ------- ------- ------- ------- -------
20 0.880 1.170 1.096 1.066 1.069 1.006 0.984 35
21 0.952 1.339 1.186 1.181 1.148 1.125 1.109 36
22 0.991 1.440 1.265 1.272 1.289 1.297 1.310 37
23 1.049 1.619 1.426 1.461 1.485 1.447 1.481 38
24 1.129 1.911 1.694 1.758 1.805 1.782 1.844 39
25 1.235 2.207 2.046 2.137 2.187 2.164 2.247 40
26 1.337 2.500 2.381 2.426 2.494 2.491 2.568 41
27 1.500 2.899 2.771 2.817 2.877 2.870 2.923 42
28 1.682 3.263 3.099 3.101 3.168 3.130 3.193 43
29 1.903 3.721 3.454 3.438 3.451 3.430 3.518 44
30 2.151 4.248 3.930 3.855 3.841 3.843 3.983 45
31 2.390 4.757 4.392 4.278 4.292 4.312 4.471 46
32 2.604 5.154 4.737 4.610 4.599 4.607 4.785 47
33 2.810 5.633 5.223 5.160 5.219 5.318 5.524 48
34 3.012 6.134 5.756 5.780 5.948 6.160 6.512 49
35 3.278 6.739 6.364 6.445 6.661 6.940 7.343 50
36 3.564 7.379 7.034 7.173 7.443 7.767 8.174 51
37 3.869 8.106 7.738 7.891 8.218 8.556 8.914 52
38 4.289 9.068 8.630 8.724 9.031 9.354 9.657 53
39 4.744 10.168 9.675 9.753 10.083 10.510 10.873 54
40 5.155 11.122 10.481 10.512 10.843 11.389 11.791 55
41 5.575 12.088 11.369 11.380 11.824 12.545 13.231 56
42 6.118 13.384 12.617 12.636 13.119 14.007 14.933 57
43 6.544 14.480 13.781 13.889 14.514 15.615 16.859 58
44 6.964 15.635 15.033 15.324 16.145 17.438 18.848 59
45 7.417 16.842 16.366 16.878 17.928 19.428 21.045 60
46 7.892 18.066 17.735 18.491 19.740 21.566 23.350 61
47 8.439 19.272 18.903 19.683 21.098 23.227 25.033 62
48 9.050 20.477 19.898 20.716 22.389 24.811 26.582 63
49 9.703 21.602 20.788 21.679 23.582 26.259 28.264 64
50 10.317 22.749 21.904 22.997 25.314 28.517 30.903 65
51 11.158 24.484 23.578 24.802 27.459 31.115 33.688 66
52 12.024 26.224 25.355 26.801 29.727 33.896 36.765 67
53 12.856 27.920 27.114 28.810 32.030 36.789 39.949 68
54 13.679 29.577 28.820 30.764 34.412 39.740 43.309 69
55 14.517 31.278 30.600 32.843 37.003 42.898 46.474 70
56 15.396 33.043 32.605 35.246 39.915 46.325 50.217 71
57 16.330 34.885 34.999 38.189 43.248 50.119 54.685 72
58 17.335 36.822 37.704 41.556 47.050 54.345 59.308 73
59 18.428 38.853 40.560 45.204 51.278 58.937 64.270 74
60 19.610 41.012 43.703 49.183 55.925 63.936 70.451 75
61 20.869 43.684 46.841 53.291 61.403 71.369 79.035 76
62 22.225 46.573 50.266 57.778 67.683 79.564 88.479 77
63 23.587 49.803 54.500 64.023 76.334 91.261 102.823 78
64 24.979 53.195 59.147 70.271 84.667 102.358 116.377 79
65 26.542 58.005 65.654 79.156 96.938 119.319 136.277 80
66 28.559 63.643 72.786 88.409 109.177 135.968 154.838 81
67 31.035 70.801 82.038 100.589 125.662 159.287 182.079 82
68 34.060 78.688 91.423 112.117 140.492 180.059 205.989 83
69 37.619 87.794 102.399 125.825 158.719 206.774 237.399 84
70 41.618 98.157 114.866 141.498 179.805 238.760 277.116 85
EXPECTED MORTALITY ASSUMPTIONS (1000 qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
FEMALE SMOKER
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
-- ------ ------ ------ ------ ------ ------ ------ ------ ------
18 0.391 0.440 0.482 0.846 0.894 0.892 0.884 0.885 0.887
19 0.381 0.434 0.805 0.821 0.851 0.847 0.847 0.847 0.858
20 0.362 0.709 0.780 0.787 0.807 0.791 0.808 0.809 0.839
21 0.589 0.700 0.777 0.780 0.795 0.781 0.815 0.842 0.891
22 0.572 0.685 0.772 0.775 0.790 0.796 0.823 0.853 0.916
23 0.569 0.677 0.774 0.778 0.804 0.822 0.853 0.896 0.962
24 0.555 0.665 0.765 0.790 0.829 0.861 0.895 0.951 1.029
25 0.549 0.651 0.765 0.803 0.867 0.913 0.960 1.029 1.120
26 0.533 0.636 0.751 0.803 0.890 0.960 1.017 1.097 1.199
27 0.545 0.643 0.762 0.838 0.940 1.033 1.114 1.207 1.334
28 0.569 0.671 0.794 0.882 0.996 1.114 1.207 1.334 1.488
29 0.605 0.711 0.838 0.937 1.075 1.207 1.334 1.488 1.670
30 0.652 0.773 0.915 1.014 1.165 1.334 1.476 1.670 1.890
31 0.690 0.832 0.975 1.095 1.257 1.452 1.631 1.836 2.105
32 0.713 0.864 1.027 1.153 1.337 1.555 1.765 2.002 2.289
33 0.714 0.881 1.062 1.217 1.433 1.673 1.912 2.167 2.471
34 0.704 0.894 1.103 1.286 1.532 1.803 2.059 2.341 2.657
35 0.713 0.932 1.172 1.395 1.663 1.968 2.245 2.554 2.903
36 0.723 0.978 1.259 1.510 1.821 2.150 2.465 2.796 3.164
37 0.758 1.041 1.364 1.652 1.996 2.355 2.691 3.062 3.454
38 0.825 1.152 1.533 1.855 2.234 2.627 2.998 3.411 3.826
39 0.911 1.301 1.724 2.076 2.488 2.933 3.336 3.772 4.246
40 0.996 1.435 1.899 2.289 2.724 3.188 3.616 4.092 4.601
41 1.079 1.562 2.089 2.505 2.968 3.453 3.898 4.408 4.972
42 1.180 1.729 2.308 2.763 3.265 3.794 4.283 4.836 5.460
43 1.259 1.852 2.477 2.954 3.497 4.065 4.577 5.168 5.802
44 1.334 1.967 2.630 3.149 3.718 4.325 4.872 5.474 6.121
45 1.413 2.079 2.787 3.353 3.958 4.605 5.174 5.788 6.465
46 1.483 2.187 2.945 3.565 4.236 4.911 5.503 6.156 6.884
47 1.550 2.315 3.130 3.806 4.548 5.262 5.883 6.585 7.410
48 1.614 2.452 3.344 4.071 4.902 5.690 6.358 7.101 8.023
49 1.681 2.601 3.567 4.360 5.283 6.162 6.897 7.699 8.667
50 1.746 2.760 3.798 4.660 5.664 6.634 7.453 8.319 9.287
51 1.853 2.983 4.137 5.080 6.165 7.258 8.168 9.109 10.069
52 1.966 3.225 4.489 5.501 6.660 7.848 8.834 9.803 10.815
53 2.088 3.470 4.843 5.907 7.141 8.371 9.370 10.402 11.550
54 2.227 3.717 5.182 6.316 7.599 8.813 9.838 10.971 12.245
55 2.370 3.989 5.564 6.746 8.031 9.258 10.331 11.520 12.940
56 2.545 4.296 5.986 7.195 8.494 9.761 10.874 12.123 13.644
57 2.757 4.655 6.447 7.708 9.038 10.358 11.524 12.823 14.381
58 3.006 5.065 6.997 8.340 9.716 11.115 12.330 13.667 15.211
59 3.287 5.536 7.648 9.069 10.541 12.027 13.289 14.630 16.200
60 3.598 6.070 8.355 9.866 11.482 13.048 14.340 15.691 17.319
61 3.966 6.626 9.082 10.719 12.470 14.109 15.437 16.824 18.530
62 4.373 7.180 9.799 11.603 13.432 15.166 16.547 18.006 19.794
63 4.816 7.813 10.590 12.487 14.357 16.161 17.599 19.137 21.035
64 5.306 8.554 11.465 13.369 15.274 17.134 18.611 20.234 22.280
65 5.841 9.309 12.355 14.236 16.211 18.135 19.675 21.435 23.671
66 6.403 10.012 13.168 15.077 17.170 19.221 20.901 22.864 25.327
67 7.007 10.593 13.814 15.871 18.173 20.454 22.370 24.619 27.536
68 7.643 11.076 14.327 16.607 19.220 21.876 24.173 26.975 30.289
69 8.313 11.519 14.784 17.296 20.313 23.481 26.452 29.796 33.539
70 9.002 11.900 15.176 17.932 21.425 25.369 29.028 32.988 37.222
71 9.642 12.727 16.205 19.108 22.932 27.132 31.014 35.223 39.718
72 10.313 13.589 17.267 20.458 24.533 28.995 33.123 37.591 42.361
73 10.996 14.463 18.464 21.855 26.180 30.922 35.294 40.029 45.059
74 11.515 15.214 19.403 22.943 27.468 32.422 36.981 41.898 47.131
75 11.896 15.702 20.007 23.645 28.287 33.361 38.014 43.044 48.386
76 12.139 16.006 20.383 24.073 28.776 33.906 38.611 43.685 49.058
77 12.364 16.292 20.734 24.469 29.219 34.406 39.151 44.255 49.661
78 12.842 16.911 21.506 25.353 30.255 35.601 40.472 45.714 51.259
79 13.646 17.956 22.811 26.874 32.047 37.674 42.797 48.302 54.121
80 14.425 18.961 24.072 28.340 33.763 39.661 45.019 50.773 57.324
x [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
-- ------ ------ ------ ------- ------- ------- -------
18 0.890 0.874 0.918 0.963 1.007 1.031 1.014 33
19 0.880 0.873 0.936 0.989 1.038 1.067 1.094 34
20 0.880 0.883 0.954 1.004 1.068 1.119 1.158 35
21 0.952 0.974 1.029 1.088 1.151 1.224 1.275 36
22 0.991 1.029 1.082 1.158 1.244 1.342 1.424 37
23 1.049 1.102 1.158 1.255 1.362 1.461 1.575 38
24 1.129 1.212 1.273 1.400 1.534 1.655 1.790 39
25 1.235 1.336 1.439 1.595 1.755 1.888 2.043 40
26 1.337 1.459 1.603 1.765 1.951 2.117 2.272 41
27 1.500 1.641 1.801 1.987 2.193 2.375 2.520 42
28 1.682 1.829 2.006 2.207 2.437 2.625 2.801 43
29 1.903 2.067 2.248 2.462 2.689 2.901 3.114 44
30 2.151 2.332 2.527 2.738 2.979 3.211 3.463 45
31 2.390 2.588 2.796 3.027 3.295 3.547 3.822 46
32 2.604 2.811 3.045 3.298 3.581 3.849 4.161 47
33 2.810 3.053 3.320 3.323 3.948 4.274 4.642 48
34 3.012 3.301 3.609 3.966 4.360 4.743 5.210 49
35 3.278 3.593 3.926 4.329 4.771 5.199 5.737 50
36 3.564 3.894 4.264 4.718 5.215 5.697 6.240 5l
37 3.869 4.227 4.629 5.119 5.672 6.200 6.702 52
38 4.289 4.652 5.075 5.584 6.160 6.731 7.207 53
39 4.744 5.135 5.589 6.129 6.756 7.419 7.936 54
40 5.155 5.558 6.014 6.574 7.243 7.998 8.607 55
41 5.575 6.012 6.515 7.131 7.894 8.759 9.587 56
42 6.118 6.603 7.169 7.846 8.666 9.633 10.666 57
43 6.544 7.119 7.793 8.557 9.468 10.553 11.790 58
44 6.964 7.669 8.452 9.338 10.360 11.539 12.909 59
45 7.417 8.243 9.160 10.188 11.323 12.569 14.030 60
46 7.892 8.843 9.904 11.084 12.308 13.672 15.262 61
47 8.439 9.461 10.604 11.840 13.157 14.643 16.255 62
48 9.050 10.101 11.269 12.592 14.058 15.670 17.374 63
49 9.703 10.729 11.934 13.382 14.985 16.739 18.595 64
50 10.317 11.385 12.731 14.345 16.162 18.188 20.331 65
51 11.158 12.313 13.760 15.506 17.528 19.784 22.163 66
52 12.024 13.268 14.827 16.736 18.957 21.428 24.029 67
53 12.856 14.228 15.940 18.015 20.398 23.087 25.941 68
54 13.679 15.202 17.105 19.327 21.86_ __.760 27.762 69
55 14.517 16.222 18.308 20.697 23.4__ __.516 29.601 70
56 15.396 17.285 19.563 22.138 25.___ 28.371 31.783 71
57 16.330 18.406 20.888 23.675 26.__8 30.370 34.178 72
58 17.335 19.584 22.266 25.281 28.661 32.531 36.610 73
59 18.428 20.823 23.676 26.952 30.649 34.829 39.189 74
60 19.610 22.124 25.152 28.696 32.735 37.252 42.187 75
61 20.869 23.599 26.921 30.896 35.477 40.790 46.491 76
62 22.225 25.181 28.822 33.249 38.602 44.603 51.144 77
63 23.587 26.907 31.039 36.334 42.569 49.550 57.443 78
64 24.979 28.594 33.325 39.223 46.149 53.924 62.907 79
65 26.542 30.760 36.125 42.801 50.708 59.612 69.886 80
66 28.559 33.169 39.012 46.282 54._93 64.628 75.531 81
67 31.035 36.175 42.651 50.679 60.204 71.082 83.141 82
68 34.060 39.634 46.525 55.008 65.074 76.759 89.560 83
69 37.619 43.787 51.235 60.315 71.168 84.001 98.506 84
70 4_.618 48.427 56.396 65.057 77.647 9l.626 108.249 85
71 44.379 51.963 60.869 71.657 84.590 100.218 117.765 86
72 47.277 55.924 66.089 78.380 93.154 110.739 129.905 87
73 50.256 60.050 71.550 85.477 102.210 121.053 143.927 88
74 52.534 63.151 75.540 90.762 108.867 129.651 154.748 89
75 53.875 65.177 78.468 94.543 114.169 136.498 163.471 90
76 54.586 65.985 79.379 96.374 116.131 138.833 166.231 91
77 55.214 66.695 80.845 98.119 117.996 141.036 168.840 92
78 56.948 69.315 83.990 101.897 122.068 145.927 176.230 93
79 60.586 73.716 89.289 108.270 128.979 155.594 188.067 94
80 64.148 78.021 94.456 113.866 136.873 165.268 199.876 95
219.864 96
241.850 97
266.035 98
292.639 99
AMENDMENT NO. IV
To the Reinsurance Agreement
Between the
LIFE INSURANCE COMPANY OF VIRGINIA
And
NORTH AMERICAN REASSURANCE COMPANY
Except as hereinafter specified, all terms and conditions of the Reinsurance
Agreement effective the 1st day of June, 1984, amendments and addenda attached
thereto, shall apply, and this Amendment is to be attached to and made a part of
the aforesaid Agreement.
It is mutually agreed that effective the 1st day of January, 1994, EXHIBIT D,
Corporate Retention Limits of the Ceding Company, EXHIBIT E, Jumbo Risk, and
EXHIBIT G, Automatic Binding Limits to the Reinsurance Pool, are revised as
attached.
IN WITNESS WHEREOF, the Company and North American Re have caused their names to
be subscribed and duly attested hereunder by their respective Authorized
Officers.
LIFE INSURANCE COMPANY OF VIRGINIA
By: /s/ Illegible Attest: /s/ Illegible
---------------------------------- -------------------------------
Title: zd V.P. Title: Illegible
Date: Jan 12, 1994 Date: Jan 12, 1994
NORTH AMERICAN REASSURANCE COMPANY
By: /s/ Illegible Attest: /s/ Illegible
---------------------------------- -------------------------------
Title: Exec, Vice-President Title: asst V P
Date: 1/14/94 Date: 1/14/94
- 1 -
CORPORATE RETENTION LIMITS OF THE CEDING COMPANY
LIFE
AGES AMOUNT
---- ----------
0-75 $1,000,000
WAIVER OF PREMIUM DISABILITY
An amount equal to that attaching to the
face amount of Life coverage retained
EXHIBIT D
JUMBO RISK
AGES AMOUNT
---- -----------
0-75 $15,000,000
EXHIBIT E
AUTOMATIC BINDING LIMITS TO THE REINSURANCE POOL
Life
Total
LOV Auto Pool NARE Share
Ages Retention Coverage of Auto Cover
----- ---------- ---------- -------------
0-70 $1,000,000 $9,000,000 $1,800,000
71-75 1,000,000 6,500,000 1,300,000
Waiver of Premium Disability
An amount equal to that attaching to the face
amount of Life coverage automatically reinsured.
The total WPD that can be reinsured is $3,000,000.
EXHIBIT G
Memorandum Addendum No. IX to the Automatic Reinsurance Agreement effective June
1, 1984 between the Life Insurance Company of Virginia and North American
Reassurance Company.
Effective July 1, 1993, Memorandum Addendum No. VI and Memorandum Addendum No.
VII to the above referenced Agreement shall be replaced by the following:
Effective July 1, 1993, reinsurance generated on the Graded Premium Life plan
(TLevel 10) and the 15 Year Graded Premium Life plan (TLevel 15) shall be ceded
under the above referenced Reinsurance Agreement subject to the same terms and
conditions of the Agreement except as provided below:
1. Plan of Reinsurance:
A. Reinsurance of Life risks shall be on the risk premium basis. The risk
amount on the policy reinsured shall be calculated monthly and shall
be equal to the death benefit less the cash value. At the time of
issue, the Ceding Company shall cede to North American Re the portion
of the initial risk amount in excess of its retention. Thereafter, the
Ceding Company and North American Re shall keep the same proportionate
shares of the risk amount developed each month.
2. Reinsurance Administration:
A. Reinsurance shall be ceded using a bordereau format in accordance with
the suggested reporting details for Universal Life products as
indicated in Exhibit C of the basic Agreement.
3. Reinsurance Premiums:
A. Life Premiums
i) Until further notice, reinsurance premiums shall be developed as
described in the Exhibit B attached to this Memorandum Addendum.
North American Re guarantees that premium rates for a given
attained age, rating, and duration shall not exceed the higher of
the rate shown in the attached schedule (Exhibit B) for that age,
rating, and duration or the one year term rate on the appropriate
multiple of the applicable 1980 CSO table at the maximum
statutory valuation rate approved in New York state.
ii) Reinsurance premiums are annual premiums payable at the end of
the month in which they become due.
- 1 -
4. Premium Tax Reimbursement:
A. The reinsurance premiums for these plans of insurance have been
calculated to reflect the Ceding Company's premium tax liability.
North American Re shall not make any additional reimbursement for
premium taxes.
5. Percentage of Participation:
A. North American Re's percentage of participation shall be equal to 20%
of 100%.
IN WITNESS WHEREOF, the Company and North American Re have caused their names to
be subscribed and duly attested hereunder by their respective Authorized
Officers.
THE LIFE INSURANCE COMPANY OF VIRGINIA
By /s/ Illegible , zd V.P.
---------------------
Authorized Officer Title
Attest:
By /s/ Illegible , Illegible
-------------------------
Authorized Officer Title
Date: 9/8/93
NORTH AMERICAN REASSURANCE COMPANY
By /s/ Illegible , Sr. Vice-President
---------------------
Authorized Officer Title
Attest:
By /s/ Illegible , asst V P
-------------------------
Authorized Officer Title
Date: 9/10/93
- 2 -
6/30/93
TLevel 15
MALE SMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7
-- ---- ------ ------ ------ ------ ------ ------ ------
20 0.732 1.359 1.469 1.462 1.476 1.423 1.425 1.409
21 1.060 1.257 1.396 1.402 1.426 1.396 1.462 1.497
22 0.941 1.128 1.272 1.275 1.294 1.309 1.342 1.389
23 0.847 1.009 1.153 1.153 1.196 1.212 1.256 1.322
24 0.747 0.894 1.023 1.061 1.103 1.144 1.190 1.260
25 0.679 0.803 0.946 0.985 1.062 1.120 1.172 1.248
26 0.640 0.768 0.898 0.958 1.064 1.143 1.204 1.294
27 0.639 0.747 0.884 0.973 1.087 1.188 1.277 1.385
28 0.653 0.768 0.911 1.007 1.130 1.261 1.367 1.507
29 0.693 0.816 0.957 1.063 1.216 1.367 1.507 1.675
30 0.738 0.871 1.024 1.132 1.302 1.487 1.640 1.852
31 0.768 0.922 1.077 1.211 1.386 1.596 1.790 2.015
32 0.794 0.958 1.141 1.277 1.476 1.715 1.947 2.201
33 0.797 0.984 1.183 1.351 1.589 1.854 2.114 2.396
34 0.779 0.987 1.214 1.413 1.683 1.974 2.255 2.566
35 0.790 1.027 1.291 1.536 1.826 2.162 2.467 2.813
36 0.812 1.097 1.413 1.689 2.038 2.407 2.764 3.139
37 0.867 1.190 1.554 1.883 2.276 2.691 3.078 3.505
38 0.943 1.312 1.747 2.115 2.553 3.004 3.432 3.920
39 1.038 1.483 1.966 2.373 2.846 3.358 3.833 4.348
40 1.157 1.668 2.211 2.669 3.178 3.734 4.248 4.816
41 1.279 1.855 2.483 2.980 3.544 4.136 4.679 5.301
42 1.402 2.056 2.746 3.300 3.911 4.554 5.150 5.829
43 1.526 2.247 3.017 3.610 4.281 4.987 5.628 6.348
44 1.652 2.445 3.278 3.934 4.654 5.426 6.108 6.858
45 1.793 2.646 3.553 4.284 5.069 5.893 6.618 7.398
46 1.927 2.849 3.843 4.663 5.536 6.415 7.183 8.026
47 2.063 3.086 4.183 5.082 6.070 7.019 7.837 8.751
48 2.200 3.350 4.565 5.554 6.683 7.748 8.638 9.631
49 2.349 3.630 4.977 6.079 7.357 8.562 9.568 10.655
50 2.494 3.940 5.419 6.640 8.053 9.417 10.554 11.744
51 2.646 4.257 5.896 7.222 8.751 10.277 11.531 12.834
52 2.806 4.596 6.382 7.808 9.432 11.079 12.446 13.807
53 2.976 4.933 6.862 8.365 10.080 11.795 13.197 14.658
54 3.167 5.276 7.337 8.916 10.707 12.412 13.864 15.455
55 3.364 5.649 7.855 9.504 11.312 13.046 14.553 16.229
56 3.603 6.064 8.434 10.134 11.970 13:750 15.319 17.095
57 3.893 6.559 9.080 10.862 12.732 14.593 16.249 18.088
58 4.236 7.133 9.861 11.748 13.688 15.673 17.393 19.276
59 4.629 7.802 10.774 12.776 14.863 16.966 18.743 20.634
60 5.070 8.550 11.771 13.912 16.197 18.403 20.225 22.141
61 5.587 9.335 12.806 15.121 17.588 19.899 21.783 23.737
62 6.160 10.125 13.824 16.365 18.944 21.400 23.346 25.413
63 6.791 11.021 14.936 17.611 20.259 22.802 24.838 27.043
64 7.485 12.064 16.170 18.865 21.550 24.182 26.301 28.632
65 8.239 13.129 17.434 20.086 22.880 25.628 27.841 30.410
X [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
-- ------ ------ ------ ------ ------ ------ ------ ------
20 1.424 1.466 1.445 1.527 1.568 1.630 1.677 2.630 35
21 1.581 1.693 1.669 1.696 1.724 1.756 1.786 2.810 36
22 1.493 1.607 1.613 1.641 1.702 1.762 1.825 3.040 37
23 1.412 1.531 1.574 1.624 1.719 1.819 1.901 3.300 38
24 1.355 1.482 1.576 1.632 1.765 1.906 2.027 3.600 39
25 1.355 1.496 1.607 1.717 1.891 2.069 2.207 3.940 40
26 1.417 1.575 1.712 1.876 2.063 2.271 2.462 4.340 41
27 1.527 1.711 1.876 2.065 2.280 2.526 2.748 4.750 42
28 1.675 1.891 2.067 2.273 2.515 2.795 3.037 5.220 43
29 1.877 2.139 2.329 2.547 2.807 3.091 3.360 5.710 44
30 2.097 2.380 2.598 2.838 3.106 3.411 3.711 6.270 45
31 2.303 2.615 2.859 3.123 3.418 3.761 4.109 6.830 46
32 2.518 2.865 3.134 3.438 3.771 4.163 4.547 7.440 47
33 2.734 3.115 3.423 3.767 4.174 4.615 5.066 8.080 48
34 2.918 3.311 3.677 4.087 4.564 5.093 5.627 8.800 49
35 3.200 3.616 4.040 4.497 5.048 5.664 6.287 9.560 50
36 3.555 4.020 4.474 4.988 5.618 6.327 7.022 10.440 51
37 3.970 4.460 4.960 5.531 6.232 7.015 7.794 11.420 52
38 4.410 4.954 5.487 6.118 6.859 7.718 8.604 12.540 53
39 4.904 5.489 6.071 6.731 7.526 8.459 9.471 13.800 54
40 5.427 6.094 6.693 7.384 8.232 9.247 10.403 15.140 55
41 5.994 6.715 7.358 8.102 9.009 10.124 11.415 16.590 56
42 6.576 7.364 8.075 8.905 9.890 11.097 12.525 18.090 57
43 7.124 8.031 8.842 9.789 10.880 12.180 13.727 19.690 58
44 7.664 8.709 9.666 10.747 11.971 13.381 15.034 21.350 59
45 8.254 9.446 10.555 11.784 13.158 14.700 16.429 23.190 60
46 8.954 10.249 11.498 12.883 14.441 16.087 17.945 25.260 61
47 9.833 11.170 12.530 14.068 15.760 17.587 19.638 27.590 62
48 10.856 12.208 13.650 15.279 17.147 19.208 21.493 30.230 63
49 11.957 13.360 14.823 16.561 18.634 20.949 23.512 33.140 64
50 13.085 14.530 16.044 17.934 20.210 22.790 25.657 36.290 65
51 14.181 15.725 17.390 19.485 22.033 24.980 28.262 39.570 66
52 15.241 16.938 18.835 21.229 24.153 27.560 31.384 43.010 67
53 16.271 18.112 20.268 22.947 26.190 29.949 34.249 46.550 68
54 17.251 19.288 21.775 24.868 28.517 32.756 37.622 50.320 69
55 18.247 20.479 23.291 26.747 30.777 35.391 40.781 54.480 70
56 19.247 21.715 24.878 28.738 33.156 38.236 44.205 59.090 71
57 20.283 23.031 26.505 30.680 35.469 40.962 47.384 64.330 72
58 21.453 24.461 28.198 32.715 37.925 43.885 50.886 70.230 73
59 22.859 26.000 30.066 35.002 40.779 47.495 55.278 76.660 74
60 24.436 27.676 31.986 37.234 43.530 50.881 59.355 83.770 75
61 26.152 29.491 34.118 39.843 46.801 55.023 64.707 91.100 76
62 27.971 31.450 36.358 42.457 49.987 59.170 69.661 98.520 77
63 29.766 33.463 38.766 45.431 53.975 64.141 75.743 105.910 78
64 31.609 35.544 41.302 48.813 58.222 69.436 82.191 113.490 79
65 33.682 37.915 44.355 52.558 62.848 75.118 89.049 121.590 80
6/30/93
TLevel 15
MALE PREFERRED SMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7
-- ----- ----- ----- ------ ------ ------ ------ ------
20 0.659 0.745 0.763 0.759 0.762 0.738 0.761 0.775
21 0.616 0.690 0.725 0.728 0.736 0.724 0.781 0.823
22 0.546 0.619 0.661 0.663 0.668 0.678 0.717 0.764
23 0.492 0.553 0.599 0.599 0.618 0.628 0.671 0.727
24 0.434 0.490 0.532 0.551 0.570 0.593 0.636 0.693
25 0.394 0.441 0.492 0.512 0.548 0.581 0.626 0.687
26 0.372 0.421 0.467 0.498 0.550 0.592 0.643 0.712
27 0.371 0.410 0.459 0.506 0.561 0.616 0.682 0.762
28 0.379 0.421 0.473 0.523 0.584 0.654 0.730 0.829
29 0.402 0.447 0.497 0.552 0.628 0.709 0.805 0.922
30 0.429 0.478 0.532 0.588 0.672 0.771 0.876 1.019
31 0.446 0.505 0.559 0.629 0.716 0.827 0.956 1.109
32 0.461 0.526 0.593 0.664 0.762 0.889 1.040 1.211
33 0.463 0.540 0.614 0.702 0.820 0.961 1.129 1.318
34 0.453 0.541 0.630 0.734 0.869 1.023 1.205 1.412
35 0.458 0.563 0.671 0.798 0.943 1.121 1.318 1.548
36 0.471 0.601 0.734 0.878 1.052 1.248 1.477 1.727
37 0.503 0.652 0.807 0.978 1.175 1.395 1.644 1.929
38 0.548 0.720 0.908 1.099 1.318 1.558 1.833 2.157
39 0.603 0.813 1.022 1.233 1.469 1.741 2.048 2.392
40 0.672 0.915 1.149 1.386 1.641 1.936 2.269 2.650
41 0.742 1.017 1.290 1.548 1.830 2.144 2.499 2.917
42 0.814 1.127 1.427 1.714 2.020 2.361 2.751 3.207
43 0.886 1.232 1.567 1.875 2.211 2.585 3.006 3.493
44 0.959 1.341 1.703 2.044 2.403 2.813 3.263 3.773
45 1.041 1.451 1.846 2.226 2.617 3.055 3.535 4.071
46 1.119 1.562 1.996 2.423 2.858 3.326 3.837 4.416
47 1.198 1.693 2.173 2.640 3.134 3.639 4.186 4.815
48 1.277 1.837 2.372 2.885 3.451 4.017 4.614 5.299
49 1.364 1.991 2.585 3.158 3.799 4.439 5.111 5.862
50 1.448 2.161 2.815 3.450 4.158 4.882 5.638 6.462
51 1.536 2.334 3.063 3.752 4.518 5.328 6.160 7.061
52 1.629 2.520 3.316 4.056 4.870 5.743 6.649 7.597
53 1.728 2.705 3.565 4.346 5.205 6.115 7.050 8.065
54 1.839 2.893 3.812 4.632 5.528 6.434 7.406 8.504
55 1.954 3.098 4.081 4.938 5.841 6.763 7.774 8.929
56 2.092 3.325 4.381 5.265 6.181 7.128 8.183 9.406
57 2.260 3.597 4.717 5.643 6.574 7.565 8.680 9.952
58 2.460 3.912 5.123 6.104 7.068 8.125 9.291 10.606
59 2.688 4.278 5.597 6.638 7.674 8.795 10.012 11.353
60 2.944 4.689 6.115 7.228 8.363 9.540 10.804 12.182
61 3.244 5.119 6.653 7.856 9.081 10.316 11.636 13.060
62 3.577 5.552 7.182 8.502 9.781 11.094 12.472 13.982
63 3.943 6.044 7.760 9.150 10.460 11.820 13.269 14.879
64 4.346 6.616 8.400 9.801 11.127 12.536 14.050 15.753
65 4.784 7.200 9.057 10.435 11.813 13.286 14.873 16.732
X [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
-- ------ ------ ------ ------ ------ ------ ------ -------
20 0.806 0.853 0.873 0.957 1.019 1.099 1.173 2.630 35
21 0.895 0.986 1.008 1.063 1.121 1.184 1.249 2.810 36
22 0.845 0.936 0.975 1.028 1.107 1.188 1.276 3.040 37
23 0.799 0.891 0.951 1.018 1.118 1.226 1.329 3.300 38
24 0.767 0.863 0.952 1.023 1.148 1.285 1.418 3.600 39
25 0.767 0.871 0.971 1.076 1.229 1.395 1.543 3.940 40
26 0.802 0.917 1.034 1.176 1.341 1.532 1.722 4.340 41
27 0.864 0.996 1.133 1.295 1.482 1.703 1.922 4.750 42
28 0.948 1.101 1.249 1.424 1.635 1.884 2.124 5.220 43
29 1.062 1.246 1.407 1.596 1.825 2.084 2.349 5.710 44
30 1.187 1.386 1.570 1.778 2.019 2.300 2.595 6.270 45
31 1.303 1.523 1.727 1.957 2.222 2.536 2.873 6.830 46
32 1.425 1.668 1.894 2.155 2.452 2.807 3.180 7.440 47
33 1.547 1.813 2.068 2.361 2.714 3.112 3.543 8.080 48
34 1.651 1.928 2.221 2.562 2.967 3.434 3.935 8.800 49
35 1.811 2.105 2.441 2.818 3.281 3.819 4.397 9.560 50
36 2.011 2.340 2.703 3.126 3.652 4.266 4.910 10.440 51
37 2.246 2.597 2.997 3.467 4.051 4.730 5.450 11.420 52
38 2.495 2.884 3.315 3.834 4.459 5.204 6.017 12.540 53
39 2.775 3.196 3.667 4.218 4.893 5.704 6.623 13.800 54
40 3.070 3.549 4.044 4.628 5.352 6.235 7.275 15.140 55
41 3.391 3.910 4.445 5.078 5.857 6.827 7.983 16.590 56
42 3.721 4.288 4.879 5.581 6.430 7.482 8.759 18.090 57
43 4.031 4.676 5.342 6.135 7.073 8.212 9.599 19.690 58
44 4.336 5.071 5.840 6.736 7.782 9.022 10.513 21.350 59
45 4.670 5.500 6.376 7.385 8.554 9.912 11.489 23.190 60
46 5.066 5.967 6.946 8.074 9.388 10.847 12.549 25.260 61
47 5.563 6.504 7.570 8.817 10.246 11.859 13.733 27.590 62
48 6.142 7.108 8.246 9.576 11.147 12.952 15.030 30.230 63
49 6.766 7.779 8.955 10.380 12.114 14.126 16.442 33.140 64
50 7.404 8.460 9.693 11.240 13.138 15.367 17.942 36.290 65
51 8.024 9.156 10.506 12.212 14.324 16.843 19.764 39.570 66
52 8.624 9.862 11.379 13.305 15.702 18.583 21.947 43.010 67
53 9.206 10.546 12.245 14.382 17.027 20.194 23.950 46.550 68
54 9.761 11.231 13.155 15.585 18.539 22.087 26.309 50.320 69
55 10.324 11.924 14.071 16.764 20.008 23.864 28.519 54.480 70
56 10.890 12.644 15.030 18.011 21.555 25.782 30.913 59.090 71
57 11.477 13.410 16.012 19.228 23.058 27.620 33.136 64.330 72
58 12.139 14.242 17.035 20.503 24.655 29.591 35.585 70.230 73
59 12.934 15.139 18.164 21.937 26.510 32.025 38.657 76.660 74
60 13.826 16.115 19.324 23.336 28.299 34.308 41.507 83.770 75
61 14.797 17.171 20.612 24.971 30.426 37.101 45.250 91.100 76
62 15.827 18.312 21.965 26.609 32.497 39.897 48.714 98.520 77
63 16.842 19.484 23.420 28.473 35.090 43.249 52.967 105.910 78
64 17.885 20.696 24.952 30.593 37.850 46.819 57.477 113.490 79
65 19.058 22.076 26.796 32.940 40.858 50.651 62.272 121.590 80
6/30/93
TLevel 15
FEMALE NONSMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
-- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------
20 0.362 0.430 0.441 0.437 0.435 0.416 0.423 0.420 0.431 0.445 0.429 0.446 0.455 0.471 0.483 1.470 35
21 0.379 0.418 0.431 0.426 0.421 0.403 0.418 0.425 0.444 0.464 0.457 0.468 0.482 0.499 0.521 1.560 36
22 0.361 0.402 0.421 0.416 0.412 0.402 0.411 0.417 0.440 0.467 0.469 0.481 0.503 0.532 0.564 1.670 37
23 0.353 0.390 0.415 0.410 0.410 0.404 0.412 0.423 0.447 0.480 0.491 0.505 0.538 0.575 0.606 1.790 38
24 0.338 0.376 0.403 0.407 0.411 0.410 0.417 0.433 0.464 0.505 0.531 0.548 0.593 0.639 0.678 1.930 39
25 0.329 0.362 0.394 0.403 0.417 0.420 0.433 0.456 0.494 0.542 0.577 0.611 0.667 0.722 0.764 2.080 40
26 0.314 0.346 0.377 0.390 0.413 0.426 0.445 0.475 0.519 0.579 0.622 0.672 0.728 0.792 0.845 2.260 41
27 0.314 0.340 0.370 0.393 0.421 0.446 0.477 0.513 0.570 0.641 0.691 0.746 0.809 0.879 0.937 2.440 42
28 0.319 0.344 0.373 0.400 0.434 0.470 0.507 0.559 0.627 0.710 0.760 0.820 0.888 0.965 1.027 2.620 43
29 0.329 0.352 0.380 0.413 0.458 0.500 0.553 0.616 0.695 0.793 0.848 0.907 0.978 1.056 1.126 2.800 44
30 0.342 0.370 0.403 0.436 0.487 0.545 0.604 0.682 0.777 0.885 0.944 1.007 1.079 1.160 1.236 2.990 45
31 0.349 0.387 0.420 0.463 0.518 0.586 0.659 0.740 0.854 0.971 1.035 1.105 1.183 1.273 1.360 3.190 46
32 0.351 0.392 0.434 0.481 0.544 0.619 0.704 0.797 0.917 1.045 1.115 1.194 1.279 1.378 1.482 3.410 47
33 0.344 0.393 0.443 0.501 0.576 0.657 0.753 0.852 0.978 1.118 1.201 1.292 1.399 1.525 1.652 3.650 48
34 0.333 0.394 0.454 0.522 0.608 0.699 0.801 0.909 0.042 1.189 1.289 1.398 1.538 1.691 1.841 3.900 49
35 0.332 0.405 0.476 0.559 0.651 0.754 0.862 0.984 1.130 1.284 1.397 1.527 1.685 1.858 2.026 4.190 50
36 0.332 0.419 0.505 0.598 0.704 0.814 0.939 1.068 1.222 1.390 1.520 1.666 1.844 2.039 2.229 4.500 51
37 0.344 0.440 0.540 0.646 0.762 0.884 1.016 1.160 1.328 1.515 1.657 1.816 2.009 2.228 2.446 4.850 52
38 0.370 0.481 0.599 0.716 0.846 0.978 1.123 1.287 1.477 1.686 1.831 1.999 2.200 2.439 2.688 5.260 53
39 0.403 0.537 0.666 0.795 0.935 1.083 1.245 1.429 1.646 1.872 2.029 2.210 2.435 2.708 3.001 5.680 54
40 0.435 0.585 0.727 0.869 1.015 1.172 1.355 1.557 1.791 2.043 2.205 2.397 2.645 2.940 3.276 6.130 55
41 0.465 0.631 0.793 0.944 1.101 1.275 1.467 1.684 1.943 2.219 2.405 2.630 2.905 3.245 3.651 6.590 56
42 0.505 0.693 0.870 1.037 1.217 1.407 1.618 1.855 2.143 2.455 2.674 2.930 3.237 3.625 4.085 7.050 57
43 0.534 0.736 0.929 1.113 1.309 1.513 1.736 1.990 2.295 2.659 2.919 3.226 3.592 4.030 4.556 7.490 58
44 o.562 0.779 0.991 1.191 1.397 1.616 1.856 2.125 2.452 2.865 3.185 3.560 3.989 4.489 5.073 7.960 59
45 0.592 0.827 1.054 1.273 1.493 1.728 1.987 2.275 2.623 3.090 3.483 3.926 4.430 4.997 5.656 8.510 60
46 0.624 0.873 1.118 1.359 1.604 1.858 2.139 2.451 2.828 3.346 3.803 4.322 4.909 5.559 6.301 9.160 61
47 0.655 0.928 1.194 1.457 1.737 2.016 2.316 2.655 3.098 3.640 4.142 4.712 5.367 6.086 6.881 9.980 62
48 0.685 0.987 1.281 1.571 1.895 2.207 2.535 2.913 3.412 3.974 4.503 5.125 5.845 6.630 7.510 11.010 63
49 0.716 1.051 1.377 1.704 2.069 2.421 2.798 3.214 3.753 4.339 4.895 5.559 6.333 7.208 8.187 12.230 64
50 0.747 1.125 1.484 1.844 2.246 2.652 3.077 3.536 4.095 4.722 5.320 6.046 6.925 7.933 9.080 13.550 65
51 0.800 1.231 1.638 2.036 2.487 2.952 3.433 3.942 4.544 5.231 5.867 6.665 7.638 8.783 10.087 14.970 66
52 0.859 1.347 1.800 2.244 2.734 3.250 3.781 4.342 4.999 5.747 6.448 7.329 8.416 9.701 11.164 16.410 67
53 0.924 1.468 1.972 2.452 2.985 3.331 4.104 4.719 5.443 6.267 7.056 8.043 9.251 10.666 12.295 17.860 68
54 0.998 1.600 2.150 2.668 3.234 3.804 4.414 5.075 5.886 6.805 7.696 8.814 10.142 11.688 13.485 19.410 69
55 1.080 1.748 2.351 2.902 3.499 4.092 4.725 5.435 6.347 7.372 8.386 9.639 11.101 12.793 14.778 21.200 70
56 1.180 1.916 2.575 3.168 3.790 4.399 5.073 5.836 6.832 7.984 9.131 10.529 12.144 14.006 16.188 23.340 71
57 1.302 2.114 2.839 3.476 4.1ll 4.762 5.486 6.302 7.354 8.654 9.939 11.497 13.290 15.341 17.751 25.990 72
58 1.446 2.354 3.156 3.835 4.508 5.214 5.992 6.859 7.948 9.390 10.815 12.542 14.529 16.813 19 490 29.220 73
59 1.618 2.635 3.517 1.253 4.991 5.760 6.595 7.503 8.652 10.208 11.767 13.652 15.866 18.429 21 401 33.220 74
60 1.814 2.946 3.919 1.722 5.549 6.381 7.272 8.225 9.460 11.117 12.799 14.857 17.316 20.188 23.492 37.320 75
61 2.038 3.281 4.346 5.237 6.155 7.051 8.002 9.019 10.358 12.112 13.985 16.300 19.121 22.455 26.239 42.040 76
62 2.292 3.627 4.788 5.789 6.774 7.747 8.772 9.878 11.327 13.213 15.297 17.898 21.119 24.923 29.285 47.110 77
63 2.576 4.029 5.284 5.366 7.402 8.442 9.548 10.748 12.331 14.374 16.764 19.782 23.542 28.052 33.213 52.530 78
64 2.897 4.505 5.845 5.967 8.053 9.160 10.337 11.641 13.387 15.612 18.284 21.665 25.938 31.047 36.920 58.450 79
65 3.257 5.009 6.439 7.587 8.747 9.925 11.194 12.641 14.588 17.025 20.063 23.971 28.896 34.845 41.710 65.120 80
6/30/93
TLevel 15
FEMALE PREFERRED NONSMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
-- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------
20 0.269 0.221 0.242 0.240 0.244 0.239 0.250 0.255 0.268 0.283 0.281 0.301 0.316 0.337 0.356 1.470 35
21 0.194 0.214 0.237 0.234 0.236 0.232 0.247 0.258 0.276 0.295 0.299 0.316 0.335 0.357 0.384 1.560 36
22 0.185 0.206 0.232 0.229 0.230 0.231 0.243 0.254 0.274 0.297 0.307 0.324 0.349 0.380 0.416 1.670 37
23 0.181 0.200 0.228 0.225 0.229 0.232 0.243 0.257 0.277 0.306 0.322 0.341 0.374 0.411 0.447 1.790 38
24 0.174 0.193 0.222 0.224 0.230 0.236 0.246 0.264 0.288 0.321 0.347 0.370 0.411 0.457 0.500 1.930 39
25 0.169 0.186 0.217 0.222 0.233 0.241 0.255 0.277 0.307 0.345 0.378 0.412 0.463 0.516 0.563 2.080 40
26 0.161 0.178 0.207 0.214 0.231 0.245 0.263 0.289 0.323 0.369 0.407 0.453 0.506 0.566 0.623 2.260 41
27 0.161 0.175 0.204 0.216 0.236 0.256 0.282 0.312 0.354 0.408 0.452 0.503 0.562 0.629 0.690 2.440 42
28 0.164 0.177 0.205 0.220 0.243 0.270 0.299 0.340 0.390 0.452 0.498 0.553 0.616 0.690 0.757 2.620 43
29 0.169 0.181 0.209 0.227 0.256 0.287 0.327 0.374 0.431 0.505 0.555 0.612 0.679 0.755 0.830 2.800 44
30 0.175 0.190 0.221 0.240 0.272 0.313 0.357 0.415 0.482 0.563 0.619 0.679 0.749 0.830 0.911 2.990 45
31 0.179 0.198 0.231 0.254 0.290 0.337 0.389 0.450 0.530 0.618 0.678 0.745 0.821 0.910 1.002 3.190 46
32 0.180 0.201 0.239 0.264 0.304 0.356 0.416 0.485 0.569 0.665 0.730 0.805 0.888 0.985 1.092 3.410 47
33 0.176 0.202 0.243 0.275 0.322 0.378 0.445 0.518 0.607 0.712 0.787 0.871 0.971 1.091 1.217 3.650 48
34 0.171 0.202 0.250 0.287 0.340 0.402 0.473 0.553 0.647 0.757 0.844 0.943 1.068 1.209 1.356 3.900 49
35 0.171 0.208 0.262 0.307 0.364 0.433 0.509 0.598 0.702 0.817 0.915 1.030 1.170 1.329 1.493 4.190 50
36 0.171 0.215 0.278 0.329 0.394 0.468 0.554 0.649 0.759 0.885 0.995 1.123 1.280 1.458 1.642 4.500 51
37 0.177 0.226 0.297 0.355 0.427 0.508 0.600 0.706 0.825 0.964 1.085 1.224 1.395 1.593 1.802 4.850 52
38 0.190 0.247 0.329 0.394 0.474 0.562 0.663 0.783 0.917 1.073 1.199 1.348 1.528 1.744 1.981 5.260 53
39 0.207 0.275 0.366 0.437 0.523 0.622 0.735 0.869 1.022 1.192 1.329 1.490 1.690 1.936 2.211 5.680 54
40 0.223 0.300 0.400 0.478 0.568 0.674 0.800 0.947 1.112 1.300 1.444 1.616 1.836 2.102 2.414 6.130 55
41 0.239 0.324 0.436 0.519 0.616 0.733 0.866 1.024 1.207 1.412 1.575 1.773 2.017 2.321 2.690 6.590 56
42 0.259 0.356 0.478 0.570 0.681 0.808 0.955 1.128 1.330 1.562 1.751 1.976 2.247 2.592 3.010 7.050 57
43 0.274 0.378 0.511 0.612 0.732 0.870 1.025 1.210 1.425 1.692 1.912 2.175 2.494 2.882 3.357 7.490 58
44 0.288 0.400 0.545 0.655 0.782 0.929 1.096 1.292 1.522 1.823 2.086 2.400 2.769 3.210 3.738 7.960 59
45 0.304 0.424 0.579 0.700 0.835 0.993 1.173 1.384 1.629 1.967 2.281 2.647 3.075 3.573 4.167 8.510 60
46 0.320 0.448 0.615 0.747 0.898 1.068 1.263 1.490 1.756 2.129 2.491 2.914 3.408 3.975 4.642 9.160 61
47 0.336 0.476 0.656 0.801 0.972 1.159 1.367 1.615 1.923 2.317 2.713 3.177 3.725 4.352 5.070 9.980 62
48 0.351 0.506 0.704 0.864 1.060 1.269 1.497 1.771 2.119 2.530 2.949 3.455 4.058 4.741 5.533 11.010 63
49 0.368 0.539 0.757 0.937 1.157 1.391 1.652 1.954 2.330 2.762 3.206 3.748 4.397 5.154 6.032 12.230 64
50 0.383 0.577 0.816 1.014 1.257 1.524 1.817 2.150 2.543 3.005 3.485 4.076 4.807 5.673 6.690 13.550 65
51 0.410 0.632 0.900 1.120 1.392 1.697 2.027 2.397 2.822 3.329 3.842 4.493 5.303 6.280 7.432 14.970 66
52 0.441 0.691 0.989 1.233 1.530 1.868 2.232 2.641 3.104 3.658 4.223 4.941 5.842 6.936 8.225 16.410 67
53 0.474 0.753 1.084 1.348 1.670 2.029 2.423 2.869 3.380 3.989 4.621 5.422 6.422 7.627 9.059 17.860 68
54 0.512 0.821 1.182 1.467 1.810 2.186 2.606 3.086 3.655 4.331 5.040 5.942 7.041 8.358 9.936 19.410 69
55 0.554 0.897 1.292 1.596 1.958 2.352 2.790 3.305 3.941 4.692 5.493 6.499 7.707 9.148 10.888 21.200 70
56 0.606 0.983 1.416 1.742 2.120 2.528 2.995 3.549 4.242 5.082 5.980 7.099 8.430 10.015 11.927 23.340 71
57 0.668 1.085 1.561 1.911 2.301 2.737 3.239 3.832 4.566 5.508 6.509 7.751 9.226 10.969 13.078 25.990 72
58 0.742 1.208 1.735 2.108 2.522 2.997 3.538 4.171 4.935 5.976 7.083 8.456 10.086 12.022 14.360 29.220 73
59 0.830 1.352 1.934 2.338 2.792 3.310 3.894 4.562 5.373 6.497 7.707 9.204 11.014 13.178 15.768 33.220 74
60 0.931 1.512 2.154 2.596 3.105 3.667 4.294 5.002 5.875 7.076 8.383 10.016 12.021 14.436 17.309 37.320 75
61 1.046 1.683 2.390 2.879 3.444 4.052 4.725 5.485 6.432 7.709 9.160 10.990 13.274 16.056 19.333 42.040 76
62 1.176 1.861 2.632 3.183 3.791 4.452 5.179 6.007 7.034 8.410 10.019 12.067 14.661 17.821 21.577 47.110 77
63 1.322 2.067 2.905 3.500 4.142 4.852 5.637 6.536 7.657 9.149 10.980 13.337 16.343 20.059 24.471 52.530 78
64 1.487 2.312 3.213 3.830 4.506 5.264 6.103 7.079 8.313 9.937 11.975 14.607 18.006 22.201 27.202 58.450 79
65 1.671 2.570 3.540 4.171 4.894 5.704 6.609 7.687 9.058 10.836 13.141 16.161 20.060 24.916 30.731 65.120 80
6/30/93
TLevel 15
FEMALE SMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8
-- ----- ----- ------ ------ ------ ------ ------ ------ ------
20 0.362 0.709 0.780 0.787 0.807 0.791 0.808 0.809 0.839
21 0.589 0.700 0.777 0.780 0.795 0.781 0.815 0.842 0.891
22 0.572 0.685 0.772 0.775 0.790 0.796 0.823 0.853 0.916
23 0.569 0.677 0.774 0.778 0.804 0.822 0.853 0.896 0.962
24 0.555 0.665 0.765 0.790 0.829 0.861 0.895 0.951 1.029
25 0.549 0.651 0.765 0.803 0.867 0.913 0.960 1.029 1.120
26 0.533 0.636 0.751 0.803 0.890 0.960 1.017 1.097 1.199
27 0.545 0.643 0.762 0.838 0.940 1.033 1.114 1.207 1.334
28 0.569 0.671 0.794 0.882 0.996 1.114 1.207 1.334 1.488
29 0.605 0.711 0.838 0.937 1.075 1.207 1.334 1.488 1.670
30 0.652 0.773 0.915 1.014 1.165 1.334 1.476 1.670 1.890
31 0.690 0.832 0.975 1.095 1.257 1.452 1.631 1.836 2.105
32 0.713 0.864 1.027 1.153 1.337 1.555 1.765 2.002 2.289
33 0.714 0.881 1.062 1.217 1.433 1.673 1.912 2.167 2.471
34 0.704 0.894 1.103 1.286 1.532 1.803 2.059 2.341 2.657
35 0.713 0.932 1.172 1.395 1.663 1.968 2.245 2.554 2.903
36 0.723 0.978 1.259 1.510 1.821 2.150 2.465 2.796 3.164
37 0.758 1.041 1.364 1.652 1.996 2.355 2.691 3.062 3.454
38 0.825 1.152 1.533 1.855 2.234 2.627 2.998 3.411 3.826
39 0.911 1.301 1.724 2.076 2.488 2.933 3.336 3.772 4.246
40 0.996 1.435 1.899 2.289 2.724 3.188 3.616 4.092 4.601
41 1.079 1.562 2.089 2.505 2.968 3.453 3.898 4.408 4.972
42 1.180 1.729 2.308 2.763 3.265 3.794 4.283 4.836 5.460
43 1.259 1.852 2.477 2.954 3.497 4.065 4.577 5.168 5.802
44 1.334 1.967 2.630 3.149 3.718 4.325 4.872 5.474 6.121
45 1.413 2.079 2.787 3.353 3.958 4.605 5.174 5.788 6.465
46 1.483 2.187 2.945 3.565 4.236 4.911 5.503 6.156 6.884
47 1.550 2.315 3.130 3.806 4.548 5.262 5.883 6.585 7.410
48 1.614 2.452 3.344 4.071 4.902 5.690 6.358 7.101 8.023
49 1.681 2.601 3.567 4.360 5.283 6.162 6.897 7.699 8.667
50 1.746 2.760 3.798 4.660 5.664 6.634 7.453 8.319 9.287
51 1.853 2.983 4.137 5.080 6.165 7.258 8.168 9.109 10.069
52 1.966 3.225 4.489 5.501 6.660 7.848 8.834 9.803 10.815
53 2.088 3.470 4.834 5.907 7.141 8.371 9.370 10.402 11.550
54 2.227 3.717 5.182 6.316 7.599 8.813 9.838 10.971 12.245
55 2.370 3.989 5.564 6.746 8.031 9.258 10.331 11.520 12.940
56 2.545 4.296 5.986 7.195 8.494 9.761 10.874 12.123 13.644
57 2.757 4.655 6.447 7.708 9.038 10.358 11.524 12.823 14.381
58 3.006 5.065 6.997 8.340 9.716 11.115 12.330 13.667 15.211
59 3.287 5.536 7.648 9.069 10.541 12.027 13.289 14.630 16.200
60 3.598 6.070 8.355 9.866 11.482 13.048 14.340 15.691 17.319
61 3.966 6.626 9.082 10.719 12.470 14.109 15.437 16.824 18.530
62 4.373 7.180 9.799 11.603 13.432 15.166 16.547 18.006 19.794
63 4.816 7.813 10.590 12.487 14.357 16.161 17.599 19.137 21.035
64 5.306 8.554 11.465 13.369 15.274 17.134 18.611 20.234 22.280
65 5.841 9.309 12.355 14.236 16.211 18.135 19.675 21.435 23.671
X [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
-- ------ ------ ------ ------ ------ ------ ------
20 0.880 0.883 0.954 1.004 1.068 1.119 1.940 35
21 0.952 0.974 1.029 1.088 1.151 1.224 2.090 36
22 0.991 1.029 1.082 1.158 1.244 1.342 2.280 37
23 1.049 1.102 1.158 1.255 1.362 1.461 2.490 38
24 1.129 1.212 1.273 1.400 1.534 1.655 2.730 39
25 1.235 1.336 1.439 1.595 1.755 1.888 3.000 40
26 1.337 1.459 1.603 1.765 1.951 2.117 3.330 41
27 1.500 1.641 1.801 1.987 2.193 2.375 3.640 42
28 1.682 1.829 2.006 2.207 2.437 2.625 3.960 43
29 1.903 2.067 2.248 2.462 2.689 2.901 4.280 44
30 2.151 2.332 2.527 2.738 2.979 3.211 4.610 45
31 2.390 2.588 2.796 3.027 3.295 3.547 4.950 46
32 2.604 2.811 3.045 3.298 3.581 3.849 5.310 47
33 2.810 3.053 3.320 3.623 3.948 4.274 5.680 48
34 3.012 3.301 3.609 3.966 4.360 4.743 6.080 49
35 3.278 3.593 3.926 4.329 4.771 5.199 6.540 50
36 3.564 3.894 4.264 4.718 5.215 5.697 7.000 51
37 3.869 4.227 4.629 5.119 5.672 6.200 7.520 52
38 4.289 4.652 5.075 5.584 6.160 6.731 8.130 53
39 4.744 5.135 5.589 6.129 6.756 7.419 8.750 54
40 5.155 5.558 6.014 6.574 7.243 7.998 9.400 55
41 5.575 6.012 6.515 7.131 7.894 8.759 10.050 56
42 6.118 6.603 7.169 7.846 8.666 9.633 10.670 57
43 6.544 7.119 7.793 8.557 9.468 10.553 11.250 58
44 6.964 7.669 8.452 9.338 10.360 11.250 11.850 59
45 7.417 8.243 9.160 10.188 11.250 11.850 12.510 60
46 7.892 8.843 9.904 11.084 11.850 12.510 13.360 61
47 8.439 9.461 10.604 11.840 12.510 13.360 14.390 62
48 9.050 10.101 11.269 12.510 13.360 14.390 15.780 63
49 9.703 10.729 11.934 13.360 14.390 15.780 17.330 64
50 10.317 11.385 12.731 14.345 15.780 17.330 19.070 65
51 11.158 12.313 13.760 15.506 17.330 19.070 20.790 66
52 12.024 13.268 14.827 16.736 18.957 20.790 22.580 67
53 12.856 14.228 15.940 18.015 20.398 22.580 24.200 68
54 13.679 15.202 17.105 19.327 21.868 24.200 26.020 69
55 14.517 16.222 18.308 20.697 23.404 26.020 27.950 70
56 15.396 17.285 19.563 22.138 25.038 27.950 30.450 71
57 16.330 18.406 20.888 23.675 26.788 30.370 33.550 72
58 17.335 19.584 22.266 25.281 28.661 32.531 37.330 73
59 18.428 20.823 23.676 26.952 30.649 34.829 41.740 74
60 19.610 22.124 25.152 28.696 32.735 37.252 46.640 75
61 20.869 23.599 26.921 30.896 35.477 40.790 51.920 76
62 22.225 25.181 28.822 33.249 38.602 44.603 57.460 77
63 23.587 26.907 31.039 36.334 42.569 49.550 63.280 78
64 24.979 28.594 33.325 39.223 46.149 53.924 69.410 79
65 26.542 30.760 36.125 42.801 50.708 59.612 76.260 80
6/30/93
TLevel 15
FEMALE PREFERRED SMOKER
MEDICAL UNPROJECTED
EXPERIENCE ADJUSTMENTS
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
-- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------
20 0.326 0.389 0.405 0.409 0.417 0.410 0.432 0.445 0.475 0.513 0.533 0.598 0.653 0.720 0.783 1.940 35
21 0.342 0.384 0.404 0.405 0.410 0.405 0.435 0.463 0.504 0.555 0.588 0.645 0.707 0.776 0.856 2.090 36
22 0.332 0.376 0.401 0.403 0.408 0.413 0.440 0.470 0.519 0.577 0.622 0.678 0.752 0.839 0.938 2.280 37
23 0.330 0.371 0.402 0.404 0.415 0.426 0.456 0.493 0.544 0.611 0.665 0.726 0.816 0.919 1.021 2.490 38
24 0.322 0.365 0.397 0.410 0.428 0.446 0.478 0.523 0.582 0.657 0.732 0.798 0.910 1.034 1.158 2.730 39
25 0.319 0.357 0.397 0.417 0.448 0.473 0.513 0.566 0.634 0.719 0.807 0.902 1.037 1.183 1.320 3.000 40
26 0.309 0.349 0.390 0.417 0.460 0.498 0.543 0.603 0.679 0.778 0.881 1.005 1.147 1.315 1.480 3.330 41
27 0.316 0.353 0.396 0.435 0.485 0.536 0.595 0.664 0.755 0.873 0.992 1.129 1.292 1.479 1.661 3.640 42
28 0.331 0.368 0.413 0.458 0.514 0.578 0.645 0.734 0.842 0.979 1.105 1.257 1.435 1.643 1.836 3.960 43
29 0.351 0.390 0.436 0.487 0.555 0.626 0.713 0.819 0.945 1.108 1.249 1.409 1.601 1.813 2.029 4.280 44
30 0.379 0.424 0.475 0.527 0.602 0.692 0.788 0.919 1.070 1.253 1.409 1.584 1.780 2.009 2.245 4.610 45
31 0.400 0.456 0.507 0.569 0.649 0.753 0.871 1.010 1.191 1.392 1.564 1.752 1.968 2.222 2.481 4.950 46
32 0.414 0.474 0.534 0.599 0.690 0.806 0.943 1.101 1.295 1.516 1.698 1.908 2.144 2.414 2.691 5.310 47
33 0.415 0.483 0.552 0.632 0.740 0.867 1.022 1.192 1.398 1.636 1.844 2.081 2.356 2.662 2.989 5.680 48
34 0.409 0.490 0.573 0.668 0.791 0.934 1.100 1.288 1.503 1.754 1.994 2.262 2.578 2.940 3.317 6.080 49
35 0.414 0.511 0.609 0.725 0.859 1.020 1.199 1.405 1.643 1.909 2.171 2.461 2.814 3.217 3.636 6.540 50
36 0.420 0.536 0.654 0.785 0.940 1.115 1.317 1.538 1.790 2.075 2.352 2.673 3.067 3.516 3.984 7.000 51
37 0.440 0.571 0.708 0.858 1.031 1.221 1.437 1.685 1.955 2.253 2.554 2.901 3.328 3.825 4.336 7.520 52
38 0.479 0.631 0.796 0.964 1.154 1.362 1.601 1.877 2.165 2.498 2.811 3.181 3.630 4.154 4.707 8.130 53
39 0.529 0.714 0.896 1.079 1.285 1.521 1.782 2.075 2.403 2.762 3.102 3.503 3.985 4.555 5.188 8.750 54
40 0.578 0.787 0.986 1.189 1.406 1.653 1.932 2.251 2.603 3.002 3.358 3.769 4.274 4.884 5.593 9.400 55
41 0.626 0.857 1.085 1.301 1.532 1.790 2.082 2.425 2.813 3.246 3.632 4.083 4.636 5.323 6.125 10.050 56
42 0.685 0.948 1.199 1.436 1.686 1.967 2.288 2.661 3.089 3.562 3.989 4.493 5.101 5.844 6.736 10.670 57
43 0.731 1.016 1.287 1.535 1.806 2.108 2.445 2.843 3.283 3.811 4.301 4.884 5.563 6.384 7.380 11.250 58
44 0.775 1.079 1.366 1.636 1.920 2.242 2.603 3.012 3.463 4.055 4.633 5.297 6.071 6.986 8.069 11.850 59
45 0.820 1.140 1.448 1.742 2.043 2.387 2.764 3.185 3.658 4.318 4.980 5.741 6.623 7.635 8.790 12.510 60
46 0.861 1.199 1.530 1.852 2.187 2.546 2.940 3.387 3.895 4.595 5.342 6.207 7.206 8.299 9.561 13.360 61
47 0.900 1.269 1.626 1.977 2.348 2.728 3.143 3.623 4.193 4.913 5.715 6.646 7.698 8.872 10.240 14.390 62
48 0.937 1.345 1.738 2.115 2.531 2.950 3.397 3.907 4.539 5.270 6.102 7.063 8.186 9.479 10.958 15.780 63
49 0.976 1.426 1.853 2.265 2.728 3.195 3.685 4.236 4.904 5.650 6.481 7.480 8.700 10.104 11.706 17.330 64
50 1.014 1.513 1.973 2.421 2.924 3.439 3.981 4.577 5.255 6.007 6.878 7.979 9.326 10.898 12.719 19.070 65
51 1.076 1.636 2.149 2.639 3.183 3.762 4.363 5.012 5.697 6.497 7.439 8.624 10.081 11.819 13.835 20.790 66
52 1.142 1.769 2.332 2.858 3.439 4.068 4.719 5.394 6.119 7.001 8.015 9.293 10.880 12.782 14.985 22.580 67
53 1.213 1.903 2.512 3.069 3.687 4.340 5.005 5.723 6.535 7.486 8.596 9.990 11.712 13.754 16.145 24.200 68
54 1.293 2.038 2.692 3.281 3.924 4.568 5.256 6.036 6.928 7.965 9.184 10.720 12.565 14.745 17.315 26.020 69
55 1.376 2.188 2.891 3.504 4.147 4.799 5.519 6.338 7.322 8.453 9.800 11.474 13.455 15.781 18.543 27.950 70
56 1.477 2.356 3.110 3.738 4.386 5.060 5.809 6.670 7.720 8.964 10.442 12.261 14.392 16.883 19.840 30.450 71
57 1.601 2.553 3.349 4.004 4.667 5.370 6.156 7.055 8.137 9.508 11.119 13.091 15.391 18.063 21.238 33.550 72
58 1.746 2.777 3.635 4.333 5.017 5.762 6.586 7.520 8.607 10.093 11.831 13.955 16.435 19.326 22.749 37.330 73
59 1.908 3.036 3.974 4.711 5.443 6.235 7.099 8.050 9.166 10.730 12.580 14.838 17.521 20.666 24.356 41.740 74
60 2.089 3.329 4.341 5.126 5.928 6.764 7.660 8.633 9.800 11.418 13.366 15.764 18.656 22.073 26.051 46.640 75
61 2.303 3.634 4.718 5.569 6.439 7.314 8.246 9.257 10.485 12.151 14.257 16.873 20.086 23.921 28.524 51.920 76
62 2.539 3.938 5.091 6.028 6.935 7.862 8.839 9.907 11.200 12.941 15.213 18.064 21.615 26.029 31.191 57.460 77
63 2.797 4.284 5.502 6.487 7.413 8.378 9.401 10.529 11.902 13.734 16.255 19.453 23.621 28.703 34.650 63.280 78
64 3.081 4.691 5.956 6.946 7.886 8.882 9.942 11.132 12.606 14.544 17.274 20.886 25.499 31.118 37.710 69.410 79
65 3.392 5.105 6.419 7.396 8.370 9.401 10.510 11.794 13.393 15.454 18.583 22.641 27.825 34.191 41.687 76.260 80
REINSURANCE PREMIUMS
I. Plan & Rider: Future Security (Retirement Income UL) Waiver of Premium
Rider
II. Standard Reinsurance Risk Premiums: Reinsurance on the above plan and rider
shall be ceded on a bordereau basis employing annual reinsurance premiums.
The reinsurance premiums shall equal the DL881 medical, unprojected,
expected mortality assumptions attached to this Exhibit B, multiplied by
the following factors:
ISSUE PREF STD PREF STD
AGE NS NS SMK SMK
---------- ---- ---- ---- ----
0-40 1.50 1.25 1.45 1.25
41-60 1.20 1.08 1.22 1.08
61 & Older 1.20 1.15 1.35 1.15
III. Multiple Table Substandard Reinsurance Premiums: Multiple table
substandard reinsurance premiums are equal to the sum of the standard
premium and 20% of the standard premium for each 25% excess mortality.
IV. Flat Extra Substandard Reinsurance Premiums:
a) Permanent Flat Extra Premiums are ones assessed for more than 5 years.
North American Re should receive its proportionate share of any such
premiums less a 10% reduction in all policy years.
b) Temporary Flat Extra Premiums are ones assessed for 5 years or less.
North American Re should receive its proportionate share of any such
premiums less a 10% reduction in all policy years.
V. Maximum Amount Of Reinsurance On One Life On These Reinsurance Premiums:
$10,000,000. For ceded risk amounts in excess of $10,000,000, the
reinsurance premiums described in Section II, above, increased by 10%,
shall apply.
EXHIBIT B
Page 1 of 2
VI. Reinsurance Premiums For Policies Converted to the Future Security Plan:
Any reinsurance in force with the North American Re on policies converted
to or reissued on the Future Security plan shall be continued with the
North American Re. The reinsured risk amount shall be determined as
described in Paragraph 1 of this Memorandum Addendum following the
conversion or reissue. The applicable reinsurance premiums will be
determined as described in this Exhibit B, with age and duration measured
from the date of issue of the original policy.
VIII. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
Page 2 of 2
DOMINION LIFE 881
MEDICAL UNPROJECTED
MALE PREFERRED NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
----- ------ ------ ------ ------ ------ ------ ------
0 0.612 0.401 0.345 0.291 0.282 0.266 0.255 0.236
1 0.612 0.401 0.345 0.291 0.282 0.266 0.255 0.236
2 0.402 0.322 0.290 0.272 0.253 0.253 0.233 0.219
3 0.324 0.272 0.272 0.244 0.241 0.232 0.218 0.216
4 0.274 0.255 0.245 0.233 0.222 0.217 0.215 0.220
5 0.257 0.230 0.234 0.215 0.208 0.214 0.219 0.238
6 0.233 0.221 0.216 0.202 0.206 0.219 0.237 0.308
7 0.224 0.204 0.203 0.200 0.211 0.238 0.308 0.387
8 0.209 0.194 0.204 0.207 0.231 0.311 0.390 0.509
9 0.198 0.194 0.210 0.226 0.301 0.392 0.511 0.625
10 0.195 0.197 0.227 0.292 0.377 0.512 0.625 0.740
11 0.199 0.213 0.293 0.364 0.488 0.619 0.730 0.827
12 0.214 0.273 0.363 0.469 0.587 0.719 0.812 0.882
13 0.275 0.340 0.468 0.564 0.683 0.800 0.865 0.885
14 0.341 0.436 0.562 0.655 0.759 0.853 0.870 0.616
15 0.437 0.524 0.647 0.716 0.790 0.852 0.611 0.580
16 0.529 0.608 0.692 0.731 0.781 0.599 0.577 0.554
17 0.609 0.646 0.710 0.727 0.562 0.563 0.544 0.525
18 0.609 0.638 0.700 0.518 0.534 0.527 0.507 0.489
19 0.582 0.618 0.490 0.484 0.491 0.482 0.465 0.448
20 0.542 0.422 0.456 0.448 0.448 0.431 0.423 0.409
21 0.349 0.385 0.427 0.423 0.424 0.415 0.424 0.423
22 0.305 0.340 0.383 0.376 0.378 0.380 0.379 0.381
23 0.271 0.300 0.340 0.334 0.341 0.343 0.345 0.347
24 0.235 0.260 0.297 0.300 0.307 0.314 0.312 0.320
25 0.209 0.229 0.268 0.272 0.287 0.294 0.298 0.311
26 0.194 0.214 0.248 0.257 0.274 0.291 0.300 0.314
27 0.189 0.203 0.237 0.249 0.272 0.296 0.310 0.329
28 0.188 0.203 0.233 0.250 0.277 0.306 0.325 0.356
29 0.194 0.206 0.238 0.259 0.290 0.325 0.356 0.388
30 0.197 0.213 0.249 0.268 0.304 0.351 0.379 0.425
31 0.199 0.221 0.255 0.281 0.322 0.369 0.411 0.455
32 0.201 0.224 0.264 0.294 0.336 0.393 0.440 0.492
33 0.197 0.225 0.273 0.305 0.358 0.419 0.472 0.528
34 0.188 0.224 0.274 0.316 0.374 0.441 0.497 0.558
35 0.190 0.229 0.289 0.339 0.401 0.476 0.537 0.607
36 0.191 0.242 0.311 0.368 0.441 0.524 0.597 0.673
37 0.202 0.258 0.339 0.405 0.487 0.581 0.659 0.743
38 0.217 0.282 0.376 0.449 0.542 0.644 0.728 0.827
39 0.236 0.314 0.418 0.500 0.600 0.712 0.809 0.922
40 0.260 0.349 0.466 0.558 0.663 0.788 0.900 1.025
41 0.283 0.385 0.519 0.617 0.735 0.877 0.995 1.132
42 0.308 0.424 0.568 0.679 0.815 0.969 1.100 1.250
43 0.333 0.458 0.621 0.747 0.896 1.065 1.207 1.370
44 0.357 0.496 0.678 0.817 0.978 1.164 1.318 1.491
45 0.385 0.539 0.738 0.893 1.069 1.272 1.439 1.631
46 0.416 0.583 0.801 0.976 1.175 1.395 1.583 1.789
47 0.447 0.634 0.876 1.070 1.298 1.547 1.747 1.977
48 0.478 0.691 0.961 1.179 1.449 1.727 1.951 2.213
49 0.513 0.753 1.056 1.308 1.613 1.934 2.198 2.491
50 0.548 0.824 1.166 1.445 1.789 2.163 2.468 2.798
51 0.586 0.902 1.283 1.592 1.977 2.403 2.747 3.109
52 0.630 0.985 1.407 1.751 2.169 2.639 3.015 3.426
53 0.676 1.071 1.539 1.909 2.361 2.858 3.275 3.722
54 0.728 1.165 1.675 2.073 2.551 3.080 3.521 4.004
55 0.787 1.270 1.826 2.247 2.760 3.313 3.771 4.289
56 0.858 1.389 1.994 2.454 2.989 3.563 4.049 4.609
57 0.944 1.528 2.199 2.692 3.244 3.857 4.381 4.980
58 1.045 1.702 2.444 2.971 3.558 4.226 4.789 5.419
59 1.169 1.905 2.725 3.296 3.941 4.671 5.268 5.925
60 1.311 2.130 3.036 3.661 4.385 5.173 5.808 6.498
61 1.474 2.372 3.370 4.063 4.862 5.714 6.393 7.127
62 1.658 2.625 3.715 4.490 5.349 6.281 7.010 7.808
63 1.864 2.918 4.098 4.936 5.847 6.846 7.631 8.506
64 2.098 3.261 4.532 5.404 6.363 7.429 8.272 9.225
65 2.358 3.625 4.994 5.886 6.912 8.061 8.970 10.043
66 2.640 3.987 5.444 6.381 7.504 8.764 9.793 11.019
67 2.954 4.315 5.846 6.885 8.148 9.584 10.781 12.225
68 3.296 4.618 6.215 7.390 8.856 10.543 12.004 13.710
69 3.670 4.923 6.579 7.910 9.627 11.660 13.445 15.507
70 4.073 5.217 6.940 8.435 10.462 12.894 15.107 17.596
71 4.476 5.734 7.622 9.261 11.462 14.121 16.543 19.264
72 4.919 6.297 8.369 10.148 12.556 15.466 18.115 21.083
73 5.395 6.905 9.159 11.101 13.733 16.911 19.795 23.042
74 5.822 7.435 9.856 11.944 14.773 18.184 21.287 24.776
75 6.156 7.858 10.416 12.621 15.601 19.204 22.479 26.149
76 6.432 8.209 10.880 13.177 16.289 20.050 23.456 27.277
77 6.715 8.567 11.350 13.747 16.991 20.902 24.446 28.418
78 7.150 9.120 12.083 14.633 18.074 22.229 25.989 30.201
79 7.792 9.939 13.165 15.934 19.677 24.192 28.274 32.842
80 8.454 10.781 14.273 17.271 ______ 26.202 30.610 35.544
[x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------ ------- ------- -------
0 0.222 0.222 0.228 0.249 0.326 0.414 0.547 0.678 15
1 0.222 0.222 0.228 0.249 0.326 0.414 0.547 0.678 16
2 0.218 0.224 0.245 0.320 0.406 0.536 0.663 0.795 17
3 0.222 0.242 0.315 0.399 0.526 0.650 0.779 0.896 18
4 0.239 0.311 0.394 0.518 0.639 0.765 0.879 0.971 19
5 0.309 0.390 0.512 0.631 0.754 0.865 0.954 0.996 20
6 0.388 0.50_ 0.625 0.746 0.854 0.941 0.981 0.750 21
7 0.506 0.622 0.740 0.846 0.931 0.969 0.733 0.719 22
8 0.623 0.740 0.844 0.926 0.962 0.719 0.704 0.699 23
9 0.740 0.843 0.923 0.957 0.708 0.692 0.686 0.685 24
10 0.841 0.920 0.953 0.698 0.682 0.675 0.673 0.660 25
11 0.902 0.930 0.673 0.655 0.646 0.642 0.628 0.620 26
12 0.906 0.647 0.628 0.617 0.611 0.596 0.__6 0.568 27
13 0.629 0.602 0.589 0.581 0.563 0.552 0.532 0.548 28
14 0.588 0.568 0.558 0.539 0.527 0.506 0.519 0.529 29
15 0.559 0.537 0.521 0.507 0.485 0.495 0.502 0.508 30
16 0.530 0.509 0.4_9 0.471 0.479 0.485 0.488 0.495 31
17 0.502 0.481 0.463 0.469 0.474 0.476 0.482 0.478 32
18 0.472 0.457 0.437 0.449 0.455 0.464 0.467 0.463 33
19 0.438 0.427 0.414 0.429 0.441 0.455 0.458 0.463 34
20 0.402 0.402 0.389 0.409 0.422 0.439 0.453 0.468 35
21 0.434 0.444 0.436 0.445 0.452 0.462 0.480 0.479 36
22 0.391 0.409 0.412 0.419 0.437 0.461 0.480 0.498 37
23 0.359 0.381 0.392 0.40_ 0.439 0.466 0.496 0.527 38
24 0.338 0.360 0.384 0.406 0.441 0.485 0.521 0.562 39
25 0.329 0.355 0.390 0.418 0.468 0._18 0.561 0.611 40
26 0.336 0.372 0.406 0.453 0.503 0.563 0.617 0.672 41
27 0.361 0.396 0.441 0.491 0.550 0.617 0.681 0.740 42
28 0.388 0.434 0.479 0.535 0.598 0.674 0.746 0.818 43
29 0.431 0.483 0.534 0.590 0.660 0.740 0.819 0.900 44
30 0.474 0.532 0.587 0.650 0.724 0.810 0.896 1.000 45
31 0.515 0.576 0.638 0.709 0.791 0.884 0.986 1.112 46
32 0.555 0.624 0.694 0.775 0.864 0.973 1.097 1.242 47
33 0.595 0.672 0.7_2 0.841 0.951 1.084 1.227 1.394 48
34 0.630 0.709 0.800 0.907 1.045 1.201 1.368 1.574 49
35 0.686 0.767 0.874 1.003 1.160 1.341 1.535 1.777 50
36 0.754 0.848 0.973 1.117 1.296 1.50_ 1._24 1.987 51
37 0.837 0.945 1.083 1.244 1.443 1.6__ 1.929 2.207 52
38 0.935 1.054 1.202 1.381 1.599 1.___ 2.158 2.448 53
39 1.043 1.173 1.336 1.529 1.768 2.___ 2.403 2.725 54
40 1.159 1.307 1.482 1.690 1.960 2.285 2.674 3.066 55
41 1.285 1.449 1.641 1.880 2.169 2.535 2.985 3.468 56
42 1.419 1.601 1.826 2.090 2.413 2.826 3.333 3.918 57
43 1.549 1.770 2.022 2.327 2.700 3.157 3.721 4.396 58
44 1.689 1.942 2.240 2.599 3.023 3.533 4.145 4.929 59
45 1.840 2.134 2.487 2.900 3.385 3.948 4.640 5.484 60
46 2.022 2.354 2.758 3.230 3.779 4.425 5.186 6.085 61
47 2.259 2.612 3.062 3.587 4.224 4.951 5.791 6.759 62
48 2.539 2.908 3.392 3.991 4.703 5.517 6.465 7.544 63
49 2.848 3.237 3.773 4.426 5.214 6.138 7.215 8.440 64
50 3.170 3.606 4.179 4.890 5.769 6.812 8.039 9.420 65
51 3.519 3.993 4.622 5.420 6.416 7.624 9.041 10.651 66
52 3.870 4.388 5.107 6.024 7.182 8.588 10.256 12.167 67
53 4.216 4.787 5.606 6.649 7.951 9.534 11.440 13.633 68
54 4.559 5.200 6.150 7.357 8.844 10.657 12.856 15.366 69
55 4.920 5.638 6.716 8.084 9.756 11.780 14.259 17.032 70
56 5.299 6.104 7.32_ 8.877 10.752 13.022 15.823 19.019 71
57 5.702 6.614 7.980 9.695 11.769 14.282 17.375 21.018 72
58 6.160 7.179 8.685 10.578 12.883 15.675 19.12_ 23.158 73
59 6.709 7._07 9.475 11.586 14.190 17.389 21.308 25.891 74
60 7.337 _.503 10.320 12.626 15.527 19.104 23.482 28.527 75
61 8.035 9.276 11.276 13.849 17.120 21.203 26.113 31.885 76
62 8.798 10.133 12.318 15.135 18.767 23.259 28.693 35.152 77
63 9.591 11.052 13.469 16.621 20.671 25.735 31.853 39.274 78
64 10.439 12.039 14.728 18.217 22.759 28.443 35.306 43.756 79
65 11.408 13.180 16.134 20.020 25.082 31.431 39.089 48.518 80
66 12.577 14.515 17.792 22.103 27.704 34.723 43.236 53.488 81
67 13.995 16.152 19.788 24.536 30.674 38.379 47.777 58.940 82
68 15.764 18.168 22.201 27.381 34.052 42.424 52.717 64.849 83
69 17.890 20.574 25.029 30.657 37._39 46.843 58.071 71.608 84
70 20.357 23.342 28.272 34.345 42.014 51.655 63.852 79.120 85
71 22.276 25.547 31.013 37.737 46.245 56.942 70.484 85.409 86
72 24.385 27.957 34.084 41.550 51.227 63.292 78.578 93.196 87
73 26.645 _0.__0 37.397 45.880 56.635 70.186 85.372 101._94 88
74 28.632 32.802 40.258 49.478 61.173 75.922 90.758 108.398 89
75 30.212 34.596 42.550 52._87 64.865 80.170 95.164 114.014 90
76 31.502 36.062 44.334 54.563 67.450 _2.568 98.144 117.704 91
77 32.809 37._41 46.137 56.688 70.049 84.997 101.145 121.419 92
78 34.853 39.857 48.913 60.075 74.226 88.890 105.969 127.309 93
79 37.8_7 43.266 53.063 65.164 _0.154 94.735 113.136 136.241 94
80 40.937 46.729 57.303 70.350 84.973 100.611 120.446 145.339 95
159.873 96
175.861 97
193.447 98
212.791 99
EXPECTED MORTALITY ASSUMPTIONS (1000q_)
DOMINION LIFE ___
MEDICAL UNPROJECTED
MALE NON SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
------ ------ ------ ------ ------ ------ ------ ------
0 0.825 0.535 0.424 0.354 0.327 0.292 0.280 0.259
1 0.825 0.535 0.424 0.354 0.327 0.292 0.280 0.259
2 0.543 0.429 0.357 0.330 0.294 0.278 0.256 0.241
3 0.436 0.362 0.334 0.297 0.280 0.255 0.239 0.238
4 0.369 0.339 0.301 0.283 0.257 0.238 0.236 0.242
5 0.347 0.307 0.288 0.261 0.241 0.236 0.241 0.261
6 0.314 0.294 0.266 0.245 0.239 0.241 0.261 0.338
7 0.302 0.272 0.250 0.244 0.245 0.261 0.338 0.425
8 0.283 0.259 0.251 0.252 0.268 0.342 0.428 0.559
9 0.267 0.258 0.258 0.274 0.349 0.431 0.562 0.686
10 0.264 0.263 0.279 0.355 0.438 0.563 0.687 0.813
11 0.269 0.284 0.360 0.443 0.567 0.680 0.803 0.909
12 0.289 0.364 0.446 0.569 0.681 0.790 0.892 0.969
13 0.371 0.453 0.575 0.685 0.792 0.879 0.950 0.972
14 0.460 0.582 0.691 0.796 0.881 0.937 0.956 0.978
15 0.589 0.699 0.795 0.870 0.916 0.936 0.970 0.921
16 0.714 0.810 0.850 0.888 0.907 0.950 0.916 0.879
17 0.821 0.861 0.873 0.883 0.941 0.894 0.863 0.833
18 0.821 0.851 0.861 0.909 0.895 0.836 0.804 0.776
19 0.785 0.824 0.871 0.849 0.823 0.766 0.738 0.711
20 0.732 0.813 0.811 0.785 0.751 0.683 0.672 0.649
21 0.680 0.741 0.759 0.741 0.711 0.658 0.673 0.671
22 0.594 0.656 0.681 0.661 0.633 0.602 0.602 0.605
23 0.528 0.577 0.604 0.587 0.572 0.544 0.547 0.550
24 0.458 0.501 0.527 0.527 0.514 0.498 0.495 0.509
25 0.408 0.442 0.476 0.477 0.480 0.466 0.473 0.494
26 0.377 0.412 0.440 0.450 0.460 0.461 0.476 0.499
27 0.368 0.391 0.420 0.437 0.456 0.470 0.492 0.522
28 0.366 0.390 0.414 0.439 0.464 0.486 0.515 0.565
29 0.377 0.396 0.422 0.454 0.487 0.515 0.565 0.615
30 0.384 0.410 0.442 0.470 0.510 0.558 0.602 0.675
31 0.388 0.425 0.453 0.492 0.540 0.586 0.652 0.722
32 0.392 0.431 0.470 0.517 0.563 0.625 0.698 0.781
33 0.384 0.433 0.484 0.535 0.601 0.665 0.750 0.838
34 0.367 0.432 0.487 0.555 0.626 0.700 0.789 0.886
35 0.370 0.440 0.514 0.594 0.673 0.756 0.852 0.964
36 0.373 0.466 0.553 0.647 0.740 0.831 0.947 1.068
37 0.394 0.497 0.602 0.711 0.817 0.922 1.047 1.180
38 0.423 0.543 0.667 0.788 0.908 1.022 1.155 1.312
39 0.460 0.605 0.742 0.877 1.005 1.130 1.283 1.463
40 0.506 0.672 0.827 0.979 1.111 1.250 1.429 1.627
41 0.552 0.741 0.922 1.082 1.232 1.391 1.580 1.797
42 0.600 0.816 1.010 1.192 1.366 1.538 1.746 1.984
43 0.649 0.883 1.103 1.310 1.502 1.691 1.916 2.174
44 0.695 0.955 1.204 1.433 1.639 1.847 2.092 2.367
45 0.750 1.039 1.311 1.567 1.792 2.018 2.284 2.589
46 0.810 1.122 1.423 1.713 1.969 2.214 2.513 2.840
47 0.871 1.221 1.555 1.878 2.176 2.456 2.773 3.138
48 0.932 1.330 1.708 2.068 2.428 2.742 3.097 3.512
49 0.999 1.451 1.876 2.295 2.704 3.070 3.489 3.955
50 1.068 1.587 2.071 2.535 2.998 3.434 3.917 4.441
51 1.142 1.738 2.279 2.794 3.314 3.815 4.360 4.936
52 1.227 1.897 2.499 3.072 3.635 4.189 4.786 5.439
53 1.316 2.063 2.733 3.350 3.958 4.536 5.198 5.908
54 1.419 2.444 2.974 3.637 4.276 4.889 5.588 6.356
55 1.534 2.446 3.244 3.943 4.627 5.258 5.985 6.809
56 1.672 2.675 3.542 4.307 5.010 5.655 6.427 7.316
57 1.840 2.943 3.906 4.724 5.438 6.122 6.954 7.905
58 2.036 3.278 4.340 5.213 5.963 6.708 7.601 8.601
59 2.279 3.669 4.839 5.783 6.606 7.414 8.363 9.405
60 2.554 4.103 5.393 6.424 7.351 8.211 9.219 10.315
61 2.872 4.569 5.985 7.130 8.149 9.070 10.148 11.313
62 3.230 5.055 6.597 7.878 8.967 9.970 11.127 12.393
63 3.633 5.619 7.278 8.661 9.801 10.867 12.113 13.501
64 4.089 6.280 8.049 9.482 10.666 11.792 13.130 14.643
65 4.595 6.981 8.870 10.329 11.587 12.794 14.239 15.942
66 5.145 7.678 9.670 11.196 12.579 13.911 15.545 17.491
67 5.758 8.310 10.383 12.081 13.657 15.213 17.113 19.405
68 6.424 8.893 11.039 12.967 14.844 16.736 19.054 21.763
69 7.152 9.481 11.684 13.879 16.138 18.508 21.341 24.615
70 7.939 10.047 12.326 14.801 17.537 20.467 23.980 27.931
71 8.722 11.043 13.538 16.250 19.212 22.414 25.259 30.577
72 9.587 12.128 14.864 17.808 21.046 24.550 28.754 33.465
73 10.515 13.299 16.268 19.480 23.019 26.843 31.420 36.575
74 11.346 14.320 17.505 20.959 24.762 28.864 33.790 39.327
75 11.997 15.133 18.500 22.146 26.151 30.483 35.681 41.506
76 12.535 15.811 19.324 23.123 27.304 31.826 37.231 43.296
77 13.086 16.500 20.159 24.123 28.480 33.177 38.803 45.108
78 13.935 17.565 21.460 25.676 30.297 35.284 41.252 47.939
79 15.185 19.141 23.383 27.960 32.983 38.400 44.879 52.130
80 16.475 20.764 25.350 30.305 35.737 41.591 48.588 56.419
[x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------- ------- ------- ------- -------
0 0.244 0.244 0.250 0.274 0.358 0.455 0.601 0.745 15
1 0.244 0.244 0.250 0.274 0.358 0.455 0.601 0.745 16
2 0.240 0.247 0.269 0.351 0.446 0.589 0.728 0.874 17
3 0.244 0.266 0.346 0.438 0.578 0.714 0.856 0.984 18
4 0.263 0.342 0.433 0.569 0.702 0.841 0.966 1.067 19
5 0.339 0.428 0.563 0.693 0.828 0.950 1.049 1.095 20
6 0.426 0.559 0.687 0.819 0.938 1.034 1.078 0.997 21
7 0.556 0.683 0.813 0.930 1.023 1.064 1.005 0.956 22
8 0.685 0.813 0.927 1.018 1.057 1.016 0.966 0.930 23
9 0.814 0.926 1.015 1.052 1.031 0.978 0.941 0.911 24
10 0.924 1.012 1.047 1.046 0.992 0.953 0.922 0.878 25
11 0.991 1.022 1.038 0.982 0.940 0.907 0.861 0.825 26
12 0.996 1.027 0.968 0.924 0.389 0.841 0.803 0.755 27
13 0.998 0.955 0.908 0.870 0.820 0.780 0.730 0.728 28
14 0.933 0.901 0.861 0.808 0.766 0.715 0.711 0.704 29
15 0.887 0.852 0.804 0.759 0.706 0.699 0.689 0.676 30
16 0.842 0.808 0.754 0.705 0.697 0.685 0.669 0.659 31
17 0.798 0.764 0.714 0.740 0.890 0.673 0.661 0.636 32
18 0.748 0.725 0.674 0.673 0.662 0.655 0.640 0.616 33
19 0.695 0.677 0.639 0.642 0.642 0.642 0.628 0.616 34
20 0.639 0.638 0.600 0.613 0.614 0.620 0.621 0.622 35
21 0.689 0.705 0.672 0.666 0.658 0.653 0.658 0.637 36
22 0.621 0.649 0.636 0.628 0.635 0.652 0.659 0.663 37
23 0.570 0.605 0.605 0.608 0.638 0.659 0.680 0.701 38
24 0.536 0.571 0.592 0.608 0.642 0.685 0.714 0.748 39
25 0.522 0.564 0.601 0.626 0.682 0.732 0.770 0.813 40
26 0.534 0.590 0.627 0.679 0.732 0.795 0.846 0.894 41
27 0.573 0.628 0.681 0.736 0.801 0.872 0.933 0.985 42
28 0.615 0.688 0.739 0.801 0.871 0.953 1.023 1.088 43
29 0.683 0.767 0.824 0.885 0.960 1.045 1.123 1.198 44
30 0.752 0.844 0.906 0.974 1.054 1.145 1.228 1.330 45
31 0.817 0.915 0.985 1.063 1.151 1.249 1.352 1.479 46
32 0.880 0.990 1.070 1.162 1.257 1.375 1.504 1.652 47
33 0.944 1.067 1.161 1.260 1.384 1.532 1.682 1.854 48
34 0.999 1.126 1.234 1.360 1.520 1.697 1.876 2.094 49
35 1.088 1.217 1.348 1.503 1.688 1.895 2.104 2.364 50
36 1.197 1.346 1.500 1.674 1.886 2.___ 2.384 2.643 51
37 1.329 1.500 1.670 1.864 2.101 2.___ 2.645 2.936 52
38 1.484 1.673 1.255 2.069 2.326 2.___ 2.960 3.257 53
39 1.656 1.861 2.060 2.291 2.572 2.921 3.295 3.625 54
40 1.840 2.075 2.285 2.532 2.852 3.229 3.667 4.079 55
41 2.040 2.300 2.532 2.817 3.157 3.582 4.092 4.614 56
42 2.252 2.542 2.817 3.131 3.511 3.993 4.570 5.212 57
43 2.459 2.810 3.119 3.487 3.929 4.461 5.103 5.848 58
44 2.682 3.082 3.455 3.894 4.400 4.992 5.684 6.557 59
45 2.921 3.387 3.837 4.346 4.926 5.578 6.362 7.296 60
46 3.210 3.737 4.254 4.840 5.499 6.253 7.111 8.095 61
47 3.586 4.146 4.723 5.375 6.147 6.995 7.940 8.991 62
48 4.029 4.616 5.233 5.980 6.844 7.795 8.865 10.035 63
49 4.521 5.138 5.820 6.632 7.588 8.672 9.993 11.227 64
50 5.032 5.723 6.446 7.328 8.395 9.624 11.023 12.531 65
51 5.586 6.338 7.129 8.122 9.337 10.772 12.397 14.169 66
52 6.143 6.966 7.877 9.027 10.452 12.134 14.064 16.185 67
53 6.691 7.598 8.647 9.964 11.572 13.470 15.686 18.135 68
54 7.237 8.255 9.486 11.024 12.871 15.057 17.628 20.441 69
55 7.809 8.950 10.359 12.113 14.198 16.644 19.552 22.656 70
56 8.411 9.689 11.304 13.302 15.648 18.399 21.697 25.300 71
57 9.050 10.498 12.309 14.528 17.128 20.178 23.825 27.960 72
58 9.779 11.395 13.397 15.851 18.748 22.146 26.226 30.806 73
59 10.649 12.391 14.616 17.362 20.651 24.568 29.217 34.441 74
60 11.646 13.497 15.918 18.921 22.597 26.991 32.198 37.949 75
61 12.753 14.723 17.394 20.753 24.915 29.958 35.806 42.415 76
62 13.964 16.085 19.000 22.679 27.312 32.862 39.344 46.761 77
63 15.223 17.542 20.775 24.907 30.083 36.360 43.676 52.244 78
64 16.570 19.109 22.718 27.299 33.121 40.186 48.411 58.206 79
65 18.108 20.920 24.887 30.000 36.502 44.407 53.599 64.541 80
66 19.963 23.040 27.444 33.121 40.318 49.059 59.285 71.152 81
67 22.215 25.638 30.524 36.768 44.640 54.224 65.512 78.405 82
68 25.021 28.838 34.245 41.031 49.557 59.939 72.285 86.266 83
69 28.397 32.657 38.607 45.940 55.067 66.183 79.627 95.256 84
70 32.312 37.050 43.609 51.466 61.143 72.982 87.553 105.249 85
71 35.359 40.550 47.837 56.549 67.300 80.451 96.648 114.939 86
72 38.706 44.376 52.575 62.413 74.551 89.424 107.433 126.935 87
73 42.293 48.460 57.685 68.751 82.420 99.164 118.013 139.375 88
74 45.448 52.066 62.097 74.144 39.025 107.015 126.566 150.356 89
75 47.956 54.914 65.632 78.501 94.398 112.688 133.563 159.010 90
76 50.004 57.242 68.384 81.762 98.161 116.612 133.295 164.695 91
77 52.078 59.590 71.166 84.948 101.942 120.586 143.062 170.418 92
78 55.322 63.280 75.449 90.023 107.675 126.957 150.723 179.492 93
79 60.139 68.677 81.349 97.649 115.650 136.521 162.104 193.253 94
80 64.979 74.173 88.390 105.398 123.772 146.137 173.714 207.271 95
227.999 96
250.798 97
275.878 98
303.466 99
DOMINION LIFE 881
MEDICAL UNPROJECTED
MALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
------ ------ ------ ------ ------ ------ ------ ------
18 0.739 0.775 0.793 0.853 0.880 0.870 0.851 0.838
19 0.707 0.750 0.808 0.809 0.822 0.810 0.797 0.782
20 0.659 0.745 0.763 0.759 0.762 0.738 0.739 0.731
21 0.616 0.690 0.725 0.728 0.736 0.724 0.758 0.776
22 0.546 0.619 0.661 0.663 0.668 0.679 0.696 0.720
23 0.492 0.553 0.599 0.599 0.617 0.629 0.651 0.686
24 0.434 0.490 0.532 0.551 0.569 0.593 0.617 0.653
25 0.394 0.441 0.492 0.512 0.548 0.581 0.608 0.648
26 0.372 0.421 0.467 0.498 0.549 0.593 0.624 0.671
27 0.371 0.410 0.459 0.506 0.561 0.616 0.663 0.719
28 0.379 0.421 0.473 0.523 0.583 0.654 0.709 0.782
29 0.402 0.447 0.497 0.552 0.628 0.709 0.782 0.869
30 0.429 0.478 0.532 0.588 0.672 0.771 0.851 0.961
31 0.446 0.505 0.559 0.629 0.715 0.828 0.928 1.045
32 0.461 0.526 0.593 0.664 0.762 0.890 1.010 1.142
33 0.463 0.540 0.614 0.702 0.820 0.962 1.097 1.243
34 0.453 0.541 0.630 0.734 0.869 1.024 1.170 1.331
35 0.458 0.563 0.671 0.798 0.943 1.121 1.280 1.459
36 0.471 0.601 0.734 0.878 1.052 1.248 1.434 1.628
37 0.503 0.652 0.807 0.978 1.175 1.396 1.596 1.818
38 0.548 0.720 0.908 1.099 1.318 1.558 1.780 2.033
39 0.603 0.813 1.022 1.233 1.469 1.742 1.988 2.255
40 0.672 0.915 1.149 1.386 1.640 1.937 2.204 2.498
41 0.742 1.017 1.290 1.548 1.829 2.145 2.427 2.750
42 0.814 1.127 1.427 1.714 2.019 2.362 2.671 3.024
43 0.886 1.232 1.567 1.875 2.210 2.587 2.919 3.293
44 0.959 1.341 1.703 2.044 2.402 2.814 3.168 3.557
45 1.041 1.451 1.846 2.226 2.616 3.057 3.433 3.838
46 1.119 1.562 1.996 2.423 2.857 3.328 3.726 4.163
47 1.198 1.693 2.173 2.640 3.133 3.641 4.065 4.539
48 1.277 1.837 2.372 2.885 3.449 4.019 4.481 4.996
49 1.364 1.991 2.585 3.158 3.797 4.441 4.963 5.527
50 1.448 2.161 2.815 3.450 4.156 4.884 5.474 6.092
51 1.536 2.334 3.063 3.752 4.517 5.331 5.981 6.657
52 1.629 2.520 3.316 4.056 4.868 5.747 6.456 7.162
53 1.728 2.705 3.565 4.346 5.203 6.118 6.845 7.603
54 1.839 2.893 3.812 4.632 5.526 6.438 7.192 8.017
55 1.954 3.098 4.081 4.938 5 838 6.767 7.549 8.418
56 2.092 3.325 4.381 5.265 6.178 7.132 7.946 8.867
57 2.260 3.597 4.717 5.643 6.571 7 570 8.429 9.383
58 2.460 3.912 5.123 6.104 7.065 8.130 9.022 9.999
59 2.688 4.278 5.597 6.638 7.671 8.801 9.722 10.703
60 2.944 4.689 6.115 7.228 8.360 9.546 10.491 11.485
61 3.244 5.119 6.653 7.856 9.078 10.322 11.299 12.313
62 3.577 5.552 7.182 8.502 9.778 11.100 12.110 13.182
63 3.943 6.044 7.760 9.150 10.456 11.827 12.884 14.028
64 4.346 6.616 8.400 9.801 11.123 12.543 13.642 14.852
65 4.784 7.200 9.057 10.435 11.809 13.293 14.442 15.774
66 5.244 7.747 9.652 11.055 12.523 14.109 15.381 16.876
67 5.741 8.196 10.129 11.652 13.272 15.052 16.511 18.242
68 6.261 8.572 10.519 12.209 14.074 16.147 17.912 20.056
69 6.812 8.927 10.868 12.748 14.919 17.399 19.667 22.225
70 7.386 9.234 11.185 13.256 15.796 18.861 21.651 24.701
71 7.922 9.902 11.980 14.181 16.965 20.238 23.223 26.473
72 8.495 10.604 12.815 15 234 18.208 21.711 24.895 28.353
73 9.085 11.330 13.749 16.327 19.506 23.241 26.621 30.312
74 9.551 11.959 14.495 17.206 20 542 24.455 28.003 31.859
75 9.901 12.382 15.005 17.799 21.229 25.263 28.906 32.857
76 10.136 12.671 15.344 18.186 21.682 25.782 29.473 33.473
77 10.363 12.945 15.664 18.558 22.107 26.264 29.999 34.033
78 10.804 13.485 16.31l 19.309 22.981 27.279 31.125 35.280
79 11.521 14.375 17.372 20.547 24.433 28.972 33.029 37.399
80 12.227 15.243 18.404 21.749 25.835 30.609 34.857 39.431
[x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------ ------- ------- -------
18 0.824 0.817 0.811 0.869 0.931 0 988 1.025 1.054 33
19 0.783 0.783 0.792 0.867 0.930 0.989 1.032 1.078 34
20 0.738 0.760 0.778 0.852 0.908 0.979 1.045 1.095 35
21 0.820 0.878 0.898 0.947 0.998 1.055 1.113 1.145 36
22 0.774 0.834 0.868 0.916 0.986 1.058 1.137 1.200 37
23 0.733 0.794 0.847 0.907 0.996 1.092 1.184 1.290 38
24 0.703 0.769 0.848 0.911 1.022 1.145 1.263 1.391 39
25 0.703 0.776 0.865 0.959 1.095 1.243 1.375 1.533 40
26 0.735 0.817 0.921 1.048 1.195 1.364 1.534 1.706 41
27 0.792 0.888 1.010 1.153 1.320 1.517 1.712 1.896 42
28 0.869 0.981 1.113 1.269 1.456 1.679 1.892 2.110 43
29 0.974 1.110 1.254 1.422 1.626 1.857 2.093 2.347 44
30 1.088 1.235 1.398 1.584 1.799 2.049 2.312 2.621 45
31 1.195 1.357 1.539 1.744 1.979 2.259 2.560 2.901 46
32 1.306 1.486 1.687 1.919 2.184 2.501 2.833 3.227 47
33 1.418 1.616 1.842 2.103 2.417 2.772 3.156 3.606 48
34 1.513 1.718 1.979 2.282 2.643 3.060 3.505 4.057 49
35 1.660 1.876 2.174 2 511 2.923 3.402 3.917 4.553 50
36 1.844 2.085 2.408 2.785 3.254 3.800 4.374 5.051 51
37 2.059 2.313 2.670 3.088 3.609 4.214 4.856 5 535 52
38 2.288 2.570 2.953 3.416 3.972 4.636 5.360 6.070 53
39 2.544 2.847 3.267 3.758 4.359 5.08l 5.900 6.669 54
40 2.815 3.161 3.602 4.123 4.768 5.554 6.481 7.378 55
41 3.109 3.483 3.960 4 524 5.218 6.082 7.112 8.199 56
42 3.411 3.820 4.346 4.972 5.728 6.666 7.803 9.094 57
43 3.695 4.166 4.759 5.466 6.301 7.316 8.552 10.032 58
44 3.975 4.517 5.202 6.001 6.933 8 038 9.366 10.98l 59
45 4.281 4.900 5.680 6.579 7.620 8.830 10.235 11.940 60
46 4.644 5.316 6.188 7.193 8.364 9.664 11.180 12.984 61
47 5.100 5.794 6.743 7.855 9.127 10.564 12.234 14.138 62
48 5.631 6.333 7.346 8.531 9.931 11.538 13.390 15.468 63
49 6.202 6.930 7.978 9.247 10.792 12.584 14.648 16.947 64
50 6.787 7.537 8 635 10.013 11.705 13.690 15.984 18.526 65
51 7.356 8.157 9.359 10.879 12.761 15.005 17.607 20.506 66
52 7.906 8.786 10.137 11.853 13.989 16.555 19.552 22.917 67
53 8.440 9.395 10.908 12.812 15.168 17.990 21.336 25.102 68
54 8.948 10.005 11.719 13.884 16.515 19.675 22.438 27.651 69
55 9.465 10.623 12.535 14.934 17.825 21.2_5 25.406 29.937 70
56 9.984 11.264 13.389 16.045 19.203 22.965 27.539 32.633 71
57 10.521 11.947 14.265 17.130 20.542 24.625 29.519 35.183 72
58 11.128 12.688 15.176 18.266 21.964 26.361 31.701 37.799 73
59 11.857 13.486 16.181 19.543 23.617 28 530 34.437 41.176 74
60 12.675 14.356 17.215 20.719 25.211 30.563 36.977 44.476 75
61 13.565 15.297 18.362 22.246 27.105 33.052 40.311 48.703 76
62 14.509 16.314 19.568 23.705 28.950 35.543 43.397 52.591 77
63 15.440 17.358 20.864 25.366 31.260 38.529 47.187 57.524 78
64 16.396 18.437 22.229 27.254 33.719 41.709 51.204 62.716 79
65 17.471 19.667 23.872 29.345 36.399 45.122 55.476 68.024 80
66 11.766 21.233 25.792 31.732 39.360 48.781 60.022 73.305 81
67 20.473 23.149 28.097 34.486 42.645 52.740 64.834 78.934 82
68 22.592 25.504 30.860 37.660 46.309 56.987 69.905 84.816 83
69 25.113 28.274 34.045 41.246 50.300 61.488 75.204 91.399 84
70 27.976 31.391 37.618 45.158 54.577 66.218 30.698 98.506 85
71 29.958 33.606 40.336 48.496 58.667 71.238 96.892 105.141 86
72 32.078 35.949 43.320 52.273 63.423 77.236 94.428 113.368 87
73 34.262 38.363 46.418 56.194 68._94 83.491 101.823 122.826 88
74 35.978 40.253 48.766 59.113 72.014 87.985 107.382 129.779 89
75 37.075 41.432 50.275 61.010 74.390 91.649 111.407 134.875 90
76 37.727 42.127 51.063 61.906 75.985 93.542 113.401 137.264 91
77 38.326 42.750 51.769 63.178 77.487 95.351 115.282 139.521 92
78 39.688 44.227 53.913 65.743 80.599 99.039 119.273 145.527 93
79 42.031 47.148 57.430 70.002 85.766 104.520 126.961 155.098 94
80 44.609 50.002 60.880 74.161 90.811 110.708 134.653 164.658 95
181.124 96
199.237 97
219.160 98
241.076 99
EXPECTED MORTALITY ASSUMPTIONS (______)
DOMINION LIFE 881
MEDICAL UNPROJECTED
MALE SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
------ ------ ------ ------ ------ ------ ------ ------ ------
18 0.821 0.911 0.985 1.643 1.705 1.678 1.641 1.616 1.588
19 0.785 0.882 1.555 1.558 1.592 1.562 1.537 1.508 1.509
20 0.732 1.359 1.469 1.462 1.476 1.423 1.425 1.409 1.424
21 1.060 1.257 1.396 1.402 1.426 1.396 1.462 1.497 1.581
22 0.941 1.128 1.272 1.275 1.294 1.309 1.342 1.389 1.493
23 0.847 1.009 1.153 1.153 1.196 1.212 1.256 1.322 1.412
24 0.747 0.894 1.023 1.061 1.103 1.144 1.190 1.260 1.355
25 0.679 0.803 0.946 0.985 1.062 1.120 1.172 1.248 1.355
26 0.640 0.768 0.898 0.958 1.064 1.143 1.204 1.294 1.417
27 0.639 0.747 0.884 0.973 1.087 1.188 1.277 1.385 1.527
28 0.653 0.768 0.911 1.007 1.130 1.261 1.367 1.507 1.675
29 0.693 0.816 0.957 1.063 1.216 1.367 1.507 1.675 1.877
30 0.738 0.871 1.024 1.132 1.302 1.487 1.640 1.852 2.097
31 0.768 0.922 1.077 1.211 1.386 1.596 1.790 2.015 2.303
32 0.794 0.958 1.141 1.277 1.476 1.715 1.947 2.201 2.518
33 0.797 0.984 1.183 1.351 1.589 1.854 2.114 2.396 2.734
34 0.779 0.987 1.214 1.413 1.683 1.974 2.255 2.566 2.918
35 0.790 1.027 1.291 1.536 1.826 2.162 2.467 2.813 3.200
36 0.812 1.097 1.413 1.689 2.038 2.407 2.764 3.139 3.555
37 0.867 1.190 1.554 1.883 2.276 2.691 3.078 3.505 3.970
38 0.943 1.312 1.747 2.115 2.553 3.004 3.432 3.920 4.410
39 1.038 1.483 1.966 2.373 2.846 3.358 3.833 4.348 4.904
40 1.157 1.668 2.211 2.669 3.178 3.734 4.248 4.816 5.427
41 1.279 1.855 2.483 2.980 3.544 4.136 4.679 5.301 5.994
42 1.402 2.056 2.746 3.300 3.911 4.554 5.150 5.829 6.576
43 1.526 2.247 3.017 3.610 4.281 4.987 5.628 6.348 7.124
44 1.652 2.445 3.278 3.934 4.654 5.426 6.108 6.858 7.664
45 1.793 2.646 3.553 4.284 5.069 5.893 6.618 7.398 8.254
46 1.927 2.849 3.843 4.663 5.536 6.415 7.183 8.026 8.954
47 2.063 3.086 4.183 5.082 6.070 7.019 7.837 8.751 9.833
48 2.200 3.350 4.565 5.554 6.683 7.748 8.638 9.631 10.856
49 2.349 3.630 4.977 6.079 7.357 8.562 9.568 10.655 11.957
50 2.494 3.940 5.419 6.640 8.053 9.417 10.554 11.744 13.085
51 2.646 4.257 5.896 7.222 8.751 10.277 11.531 12.834 14.181
52 2.806 4.596 6.382 7.808 9.432 11.079 12.446 13.807 15.241
53 2.976 4.933 6.862 8.365 10.080 11.795 13.197 14.658 16.271
54 3.167 5.276 7.337 8.916 10.707 12.412 13.864 15.455 17.251
55 3.364 5.649 7.855 9.504 11.312 13.046 14.553 16.229 18.247
56 3.603 6.064 8.434 10.134 11.970 13.750 15.319 17.095 19.247
57 3.893 6.559 9.080 10.862 12.732 14.593 16.249 18.088 20.283
58 4.236 7.133 9.861 11.748 13.688 15.673 17.393 19.276 21.453
59 4.629 7.802 10.774 12.776 14.863 16.966 18.743 20.634 22.859
60 5.070 8.550 11.771 13.912 16.197 18.403 20.225 22.141 24.436
61 5.587 9.335 12.806 15.121 17.588 19.899 21.783 23.737 26.152
62 6.160 10.125 13.824 16.365 18.944 21.400 23.346 25.413 27.971
63 6.791 11.021 14.936 17.611 20.259 22.802 24.838 27.043 29.766
64 7.485 12.064 16.170 18.865 21.550 24.182 26.301 28.632 31.609
65 8.239 13.129 17.434 20.086 22.880 25.628 27.841 30.410 33.682
66 9.031 14.128 18.578 21.279 24.263 27.200 29.552 32.534 36.179
67 9.888 14.946 19.497 22.429 25.715 29.019 31.832 35.169 39.468
68 10.783 15.631 20.246 23.499 27.268 31.129 34.532 38.665 43.554
69 11.733 16.278 20.920 24.538 28.905 33.543 37.915 42.846 48.415
70 12.721 16.839 21.530 25.516 30.606 36.362 41.741 47.621 53.933
71 13.644 18.056 23.059 27.296 32.869 39.015 44.770 51.037 57.754
72 14.630 19.336 24.666 29.323 35.278 41.856 47.994 54.661 61.841
73 15.647 20.660 26.465 31.427 37.793 44.805 51.321 58.437 66.053
74 16.450 21.808 27.900 33.119 39.801 47.146 53.987 61.420 69.360
75 17.051 22.579 28.881 34.260 41.132 48.703 55.726 63.345 71.475
76 17.456 23.106 29.534 35.005 42.009 49.704 56.820 64.531 72.733
77 17.848 23.606 30.150 35.722 42.832 50.634 57.834 65.612 73.888
78 18.608 24.591 31.396 37.166 44.525 52.589 60.004 68.015 76.513
79 19.843 26.213 33.439 39.549 47.339 55.854 63.675 72.099 81.030
80 21.058 27.796 35.426 41.863 50.056 59.009 67.199 76.018 86.000
[X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT
------ ------- ------- ------- ------- ------- -------
18 1.575 1.507 1.556 1.607 1.645 1.646 1.632 33
19 1.510 1.471 1.553 1.605 1.646 1.657 1.669 34
20 1.466 1.445 1.527 1.568 1.630 1.677 1.694 35
21 1.693 1.669 1.696 1.724 1.756 1.786 1.773 36
22 1.607 1.613 1.641 1.702 1.762 1.825 1.858 37
23 1.531 1.574 1.624 1.719 1.819 1.901 1.997 38
24 1.482 1.576 1.632 1.765 1.906 2.027 2.153 39
25 1.496 1.607 1.717 1.891 2.069 2.207 2.373 40
26 1.575 1.712 1.876 2.063 2.271 2.462 2.641 41
27 1.711 1.876 2.065 2.280 2.526 2.748 2.935 42
28 1.891 2.067 2.273 2.515 2.795 3.037 3.265 43
29 2.139 2.329 2.547 2.807 3.091 3.360 3.633 44
30 2.380 2.598 2.838 3.106 3.411 3.711 4.056 45
31 2.615 2.859 3.123 3.418 3.761 4.109 4.490 46
32 2.865 3.134 3.438 3.771 4.163 4.547 4.994 47
33 3.115 3.423 3.767 4.174 4.615 5.066 5.582 48
34 3.311 3.677 4.087 4.564 5.093 5.627 6.280 49
35 3.616 4.040 4.497 5.048 5.664 6.287 7.047 50
36 4.020 4.474 4.988 5.618 6.327 7.022 7.817 51
37 4.460 4.960 5.531 6.232 7.015 7.794 8.567 52
38 4.954 5.487 6.118 6.859 7.718 8.604 9.396 53
39 5.489 6.071 6.731 7.526 8.459 9.471 10.323 54
40 6.094 6.693 7.384 8.232 9.247 10.403 11.420 55
41 6.715 7.358 8.102 9.009 10.124 11.415 12.691 56
42 7.364 8.075 8.905 9.890 11.097 12.525 14.075 57
43 8.031 8.842 9.789 10.880 12.180 13.727 15.528 58
44 8.709 9.666 10.747 11.971 13.381 15.034 16.996 59
45 9.446 10.555 11.784 13.158 14.700 16.429 18.482 60
46 10.249 11.498 12.883 14.441 16.087 17.945 20.097 61
47 11.170 12.530 14.068 15.760 17.587 19.638 21.883 62
48 12.208 13.650 15.279 17.147 19.208 21.493 23.941 63
49 13.360 14.823 16.561 18.634 20.949 23.512 26.231 64
50 14.530 16.044 17.934 20.210 22.790 25.657 28.675 65
51 15.725 17.390 19.485 22.033 24.980 28.262 31.739 66
52 16.938 18.835 21.229 24.153 27.560 31.384 35.472 67
53 18.112 20.268 22.947 26.190 29.949 34.249 38.853 68
54 19.288 21.775 24.868 28.517 32.___ 37.622 42.798 69
55 20.479 23.291 26.747 30.777 35.___ 40.781 46.336 70
56 21.715 24.878 28.738 33.156 38.___ 44.205 50.510 71
57 23.031 26.505 30.680 35.469 40.962 47.384 54.456 72
58 24.461 28.198 32.715 37.925 43.385 50.886 58.506 73
59 26.000 30.066 35.002 40.779 47.495 55.278 63.732 74
60 27.676 31.986 37.234 43.530 50.881 59.355 68.840 75
61 29.491 34.118 38.343 46.801 55.023 64.707 75.384 76
62 31.450 36.358 42.457 49.987 59.170 69.661 81.401 77
63 33.463 38.766 45.431 53.975 64.141 75.743 89.037 78
64 35.544 41.302 48.813 58.222 69.436 82.191 97.072 79
65 37.915 44.355 52.558 62.848 75.118 89.049 105.289 80
66 40.935 47.922 56.834 67.961 81.208 95.346 113.462 81
67 44.627 52.206 61.766 73.633 87.800 104.071 122.175 82
68 49.168 57.339 67.451 79.960 94.870 112.211 131.279 83
69 54.508 63.258 73.873 86.851 102.362 120.716 141.469 84
70 60.517 69.896 80.897 94.235 110.237 129.536 152.470 85
71 64.788 74.947 86.858 101.298 118.594 139.477 163.086 86
72 69.305 80.491 93.623 109.509 128.580 151.575 176.249 87
73 73.958 86.248 100.646 118.093 138.993 163.059 191.381 88
74 77.602 90.609 105.874 124.343 146.473 172.284 202.506 89
75 79.875 93.414 109.272 128.446 152.563 178.961 210.659 90
76 81.214 94.879 110.876 131.200 155.399 182.270 214.483 91
77 82.416 96.190 113.154 133.793 158.109 185.392 218.093 92
78 85.263 100.173 117.749 139.167 163.753 192.014 227.703 93
79 90.895 106.708 125.377 148.089 173.186 204.771 243.017 94
80 96.396 113.119 132.826 156.366 183.835 217.534 258.313 95
284.144 96
312.559 97
343.815 98
378.196 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
FEMALE PREFERRED NONSMOKER
[X] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
----- ----- ----- ------ ------ ------ ------ ------ ------
0 0.402 0.254 0.211 0.172 0.161 0.147 0.136 0.122 0.112
1 0.402 0.254 0.211 0.172 0.161 0.147 0.136 0.122 0.112
2 0.254 0.197 0.172 0.156 0.141 0.136 0.122 0.112 0.108
3 0.197 0.160 0.156 0.136 0.131 0.122 0.112 0.108 0.108
4 0.160 0.145 0.136 0.126 0.117 0.112 0.108 0.108 0.115
5 0.145 0.127 0.126 0.113 0.107 0.108 0.108 0.115 0.147
6 0.127 0.118 0.113 0.104 0.104 0.108 0.115 0.147 0.182
7 0.118 0.106 0.104 0.100 0.104 0.115 0.147 0.182 0.234
8 0.106 0.097 0.100 0.100 0.111 0.147 0.182 0.234 0.283
9 0.097 0.094 0.100 0.107 0.141 0.182 0.234 0.283 0.332
10 0.094 0.094 0.107 0.136 0.174 0.234 0.283 0.332 0.374
11 0.094 0.100 0.136 0.168 0.224 0.283 0.332 0.374 0.405
12 0.100 0.127 0.168 0.217 0.271 0.332 0.374 0.405 0.416
13 0.127 0.157 0.217 0.262 0.318 0.374 0.405 0.416 0.309
14 0.157 0.203 0.262 0.308 0.358 0.405 0.416 0.309 0.296
15 0.200 0.242 0.301 0.337 0.375 0.409 0.309 0.296 0.287
16 0.242 0.281 0.324 0.347 0.375 0.303 0.296 0.237 0.278
17 0.284 0.305 0.340 0.352 0.287 0.292 0.285 0.278 0.272
18 0.290 0.308 0.342 0.268 0.280 0.279 0.272 0.267 0.263
19 0.283 0.304 0.255 0.255 0.262 0.260 0.256 0.251 0.249
20 0.269 0.221 0.242 0.240 0.244 0.239 0.240 0.235 0.237
21 0.194 0.214 0.237 0.234 0.236 0.232 0.237 0.238 0.244
22 0.185 0.206 0.232 0.229 0.230 0.231 0.233 0.234 0.242
23 0.181 0.200 0.228 0.225 0.229 0.232 0.233 0.237 0.246
24 0.174 0.193 0.222 0.224 0.230 0.236 0.236 0.243 0.255
25 0.169 0.186 0.217 0.222 0.233 0.241 0.245 0.255 0.271
26 0.161 0.178 0.207 0.214 0.231 0.245 0.252 0.266 0.2_5
27 0.161 0.175 0.204 0.216 0.236 0.256 0.270 0.287 0.313
28 0.164 0.177 0.205 0.220 0.243 0.270 0.287 0.313 0.345
29 0.169 0.181 0.209 0.227 0.256 0.287 0.313 0.345 0.382
30 0.175 0.190 0.221 0.240 0.273 0.313 0.342 0.382 0.427
31 0.179 0.198 0.231 0.254 0.290 0.337 0.373 0.415 0.469
32 0.180 0.201 0.239 0.264 0.305 0.356 0.399 0.446 0.504
33 0.176 0.202 0.243 0.275 0.322 0.378 0.426 0.477 0.537
34 0.171 0.202 0.250 0.287 0.340 0.402 0.453 0.509 0.573
35 0.171 0.208 0.262 0.307 0.365 0.433 0.488 0.551 0.621
36 0.171 0.215 0.278 0.329 0.394 0.468 0.532 0.598 0.671
37 0.177 0.226 0.297 0.355 0.427 0.508 0.576 0.650 0.730
38 0.190 0.247 0.329 0.394 0.474 0.562 0.636 0.721 0.812
39 0.207 0.275 0.366 0.437 0.523 0.622 0.705 0.800 0.905
40 0.223 0.300 0.400 0.478 0.568 0.674 0.767 0.872 0.984
41 0.239 0.324 0.436 0.519 0.617 0.733 0.831 0.943 1.068
42 0.259 0.356 0.478 0.570 0.681 0.808 0.916 1.039 1.178
43 0.274 0.378 0.511 0.612 0.733 0.870 0.983 1.115 1.262
44 0.288 0.400 0.545 0.655 0.782 0.929 1.051 1.190 1.347
45 0.304 0.424 0.579 0.700 0.836 0.993 1.125 1.274 1.441
46 0.320 0.448 0.615 0.747 0.898 1.068 1.211 1.373 1.554
47 0.336 0.476 0.656 0.801 0.972 1.159 1.312 1.487 1.702
48 0.351 0.506 0.704 0.864 1.061 1.269 1.436 1.631 1.876
49 0.368 0.539 0.757 0.937 1.158 1.391 1.585 1.800 2.063
50 0.383 0.577 0.816 1.014 1.258 1.524 1.742 1.980 2.251
51 0.410 0.632 0.900 1.120 1.393 1.697 1.944 2.208 2.498
52 0.441 0.691 0.989 1.233 1.531 1.868 2.141 2.432 2.748
53 0.474 0.753 1.084 1.348 1.671 2.029 2.324 2.642 2.992
54 0.512 0.821 1.182 1.467 1.811 2.186 2.499 2._42 3.235
55 0.554 0.897 1.292 1.596 1.959 2.352 2.676 3.043 3.489
56 0.606 0.983 1.416 1.742 2.122 2.528 2.873 3.268 3.755
57 0.668 1.085 1.561 1.911 2.302 2.737 3.107 3.529 4.042
58 0.742 1.208 1.735 2.108 2.524 2.997 3.393 3.841 4.368
59 0.830 1.352 1.934 2.338 2.794 3.310 3.735 4.202 4.755
60 0.931 1.512 2.154 2.596 3.107 3.667 4.118 4.606 5.200
61 1.046 1.683 2.390 2.879 3.446 4.052 4.532 5.051 5.693
62 1.176 1.861 2.632 3.183 3.793 4.452 4.968 5.532 6.225
63 1.322 2.067 2.905 3.500 4.145 4.852 5.407 6.019 6.777
64 1.487 2.312 3.213 3.830 4.509 5.264 5.854 6.519 7.358
65 1.671 2.570 3.540 4.171 4.898 5.704 6.339 7.079 8.01_
66 1.872 2.826 3.858 4.521 5.310 6.193 6.903 7.744 8.804
67 2.094 3.058 4.142 4.872 5.758 6.755 7.577 8.558 9.764
68 2.336 3.272 4.398 5.222 6.242 7.410 8.403 9.565 10.962
69 2.600 3.484 4.649 5.575 6.766 8.163 9.380 10.784 12.392
70 2.883 3.686 4.892 5.928 7.324 8.996 10.506 12.189 14.048
71 3.163 4.041 5.357 6.483 7.996 9.___ 11.459 13.294 15.319
72 3.467 4.426 5.859 7.080 8.732 10.713 12.501 14.498 16.704
73 3.792 4.834 6.390 7.720 9.513 11.670 13.612 15.785 18.175
74 4.076 5.188 6.854 8.274 10.195 12.505 14.582 16.900 19.455
75 4.295 5.464 7.215 8.710 10.729 13.155 15.334 17.768 20.452
76 4.473 5.687 7.508 9.062 11.158 13.677 15.938 18.465 21.247
77 4.651 5.912 7.805 9.417 11.590 14.203 16.549 19.167 22.050
78 4.934 6.272 8.277 9.981 12.2_1 15.048 17.529 20.298 23.349
79 5.358 6.808 8.980 10.827 13.321 16.317 19.002 22.002 25.306
80 5.791 7.354 9.698 11.692 14.380 17.610 20.507 23.741 27.290
[X]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------ ------ ------- --
0 0.108 0.108 0.115 0.147 0.182 0.234 0.283 15
1 0.108 0.108 0.115 0.147 0.182 0.234 0.283 16
2 0.108 0.115 0.147 0.182 0.234 0.283 0.332 17
3 0.115 0.147 0.182 0.234 0.283 0.332 0.374 18
4 0.147 0.182 0.234 0.283 0.332 0.374 0.405 19
5 0.182 0.234 0.283 0.332 0.374 0.405 0.416 20
6 0.234 0.283 0.332 0.374 0.405 0.416 0.326 21
7 0.283 0.332 0.374 0.405 0.416 0.323 0.313 22
8 0.332 0.374 0.405 0.416 0.320 0.310 0.303 23
9 0.374 0.405 0.416 0.317 0.307 0.300 0.296 24
10 0.405 0.416 0.314 0.304 0.297 0.293 0.287 25
11 0.416 0.311 0.302 0.295 0.291 0.284 0.280 26
12 0.309 0.299 0.292 0.288 0.282 0.278 0.268 27
13 0.296 0.289 0.286 0.279 0.275 0.266 0.276 28
14 0.287 0.283 0.277 0.273 0.264 0.274 0.281 29
15 0.278 0.274 0.271 0.261 0.272 0.279 0.287 30
16 0.272 0.266 0.259 0.269 0.276 0.285 0.293 31
17 0.265 0.258 0.268 0.275 0.283 0.291 0.293 32
18 0.259 0.253 0.264 0.275 0.285 0.291 0.296 33
19 0.249 0.245 0.260 0.273 0.285 0.294 0.304 34
20 0.241 0.239 0.256 0.269 0.287 0.303 0.318 35
21 0.252 0.255 0.269 0.285 0.304 0.327 0.345 36
22 0.253 0.262 0.276 0.298 0.324 0.354 0.381 37
23 0.260 0.274 0.290 0.318 0.350 0.380 0.416 38
24 0.274 0.296 0.315 0.350 0.389 0.425 0.466 39
25 0.294 0.322 0.351 0.394 0.439 0.479 0.526 40
26 0.314 0.347 0.386 0.430 0.482 0.530 0.577 41
27 0.348 0.385 0.428 0.478 0.535 0.588 0.635 42
28 0.385 0.424 0.471 0.525 0.587 0.644 0.700 43
29 0.430 0.473 0.521 0.578 0.643 0.706 0.772 44
30 0.480 0.527 0.578 0._86 0.706 0.775 0.855 45
31 0.526 0.577 0.635 0.699 0.775 0.853 0.948 46
32 0.566 0.622 0.685 0.756 0.839 0.929 1.036 47
33 0.606 0.670 0.742 0.827 0.929 1.036 1.160 48
34 0.644 0.719 0.803 0.909 1.030 1.155 1.308 49
35 0.696 0.779 0.877 0.996 1.132 1.271 1.446 50
36 0.753 0.848 0.956 1.090 1.24_ 1.398 1.585 51
37 0.821 0.924 1.042 1.188 1.3__ 1.534 1.724 52
38 0.914 1.021 1.147 1.301 1.4__ 1.686 1.878 53
39 1.015 1.131 1.269 1.439 1.649 1.882 2.094 54
40 1.107 1.230 1.376 1.563 1.790 2.055 2.311 55
41 1.202 1.341 1.509 1.717 1.976 2.290 2.619 56
42 1.330 1.491 1.682 1.914 2.207 2.563 2.967 57
43 1.441 1.628 1.852 2.123 2.454 2.858 3.339 58
44 1.553 1.776 2.044 2.358 2.733 3.183 3.742 59
45 1.675 1.943 2.254 2.619 3.042 3.548 4.165 60
46 1.813 2.121 2.481 2.901 3.384 3.953 4.620 61
47 1.973 2.310 2.705 3.172 3.705 4.317 5.019 62
48 2.154 2.511 2.942 3.455 4.037 4.712 5.474 63
49 2.352 2.730 3.191 3.744 4.389 5.136 5.980 64
50 2.559 2.967 3.471 4.093 4._30 5.696 6.678 65
51 2.835 3.272 3.826 4.515 5.347 6.328 7.438 66
52 3.114 3.596 4.207 4.974 5.906 7.004 8.244 67
53 3.397 3.935 4.617 5.468 6.494 7.713 9.101 68
54 3.6__ 4.292 5.060 5.995 7.116 8.460 9.967 69
55 3.995 4.677 5._34 6.562 7.739 9.271 10.880 70
56 4.327 5.092 6.044 7.178 8.527 10.156 11.967 71
57 4.690 5.543 6.600 7.855 9.340 11.136 13.191 72
58 5.089 6.031 7.200 8.588 10.237 12.227 14.492 73
59 5.532 6.562 7.837 9.378 11.220 13.426 15.921 74
60 6.025 7.138 8.529 10.236 12.292 14.738 17.482 75
61 6.564 7.799 9.357 11.302 13.671 16.461 19.664 76
62 7.161 8.531 10.275 12.483 15.174 18.372 22.084 77
63 7.790 9.349 11.356 13.915 17.079 20.836 25.336 78
64 8.461 10.196 12.437 15.332 18.903 23.162 28.354 79
65 9.227 11.189 13.760 17.080 21.215 26.166 32.206 80
66 10.127 12.315 15.171 18.865 23.470 29.004 35.605 81
67 11.232 13.711 16.942 21.111 26.317 32.631 40.108 82
68 12.585 15.344 18.886 23.427 29.098 36.060 44.241 83
69 14.198 17.324 21.264 26.276 32.566 40.409 49.859 84
70 16.052 19.589 23.942 29.450 36.384 45.163 56.170 85
71 17.500 21.501 26.444 32.713 40.614 50.642 61.521 86
72 19.070 23.680 29.401 36.664 45.852 57.213 68.357 87
73 20.745 26.03_ 32.615 40.991 51.611 62.974 75.896 88
74 22.206 28.057 35.348 44.652 56.394 67.777 82.180 89
75 23.334 29.687 37.618 47.746 59.517 71.937 87.684 90
76 24.237 30.832 39.064 49.553 61.239 74.126 90.451 91
77 25.150 31.991 40.507 51.373 62.984 76.332 93.252 92
78 26.628 33.850 42.853 54.348 65.826 79.943 97.798 93
79 28.843 36.658 46.408 58.190 70.136 85.385 104.698 94
80 31.098 39.524 50.025 61.656 74.501 90.923 111.729 95
122.902 96
135.192 97
148.712 98
163.583 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
FEMALE NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
------ ------ ------ ------ ------ ------ ------ ------ ------
0 0.543 0.339 0.259 0.209 0.187 0.161 0.150 0.134 0.123
1 0.543 0.339 0.259 0.209 0.187 0.161 0.150 0.134 0.123
2 0.343 0.262 0.211 0.189 0.163 0.150 0.134 0.123 0.119
3 0.265 0.214 0.191 0.165 0.152 0.134 0.123 0.119 0.119
4 0.216 0.194 0.167 0.154 0.136 0.123 0.119 0.119 0.127
5 0.196 0.169 0.155 0.138 0.124 0.119 0.119 0.127 0.161
6 0.171 0.157 0.139 0.126 0.121 0.119 0.127 0.161 0.200
7 0.159 0.141 0.127 0.122 0.121 0.127 0.161 0.200 0.257
8 0.143 0.129 0.124 0.122 0.128 0.161 0.200 0.257 0.311
9 0.131 0.125 0.124 0.130 0.163 0.200 0.257 0.311 0.365
10 0.126 0.125 0.131 0.165 0.202 0.257 0.311 0.365 0.411
11 0.126 0.133 0.167 0.205 0.260 0.311 0.365 0.411 0.445
12 0.135 0.169 0.207 0.264 0.315 0.365 0.411 0.445 0.457
13 0.171 0.210 0.267 0.319 0.369 0.411 0.445 0.457 0.490
14 0.212 0.270 0.323 0.374 0.416 0.445 0.457 0.490 0.470
15 0.269 0.323 0.371 0.409 0.435 0.449 0.490 0.470 0.455
16 0.326 0.375 0.398 0.421 0.435 0.481 0.470 0.455 0.441
17 0.383 0.407 0.418 0.428 0.482 0.464 0.453 0.442 0.431
18 0.391 0.411 0.421 0.470 0.469 0.443 0.431 0.424 0.418
19 0.381 0.405 0.453 0.448 0.439 0.413 0.406 0.399 0.395
20 0.362 0.425 0.430 0.421 0.409 0.379 0.381 0.373 0.376
21 0.379 0.413 0.421 0.411 0.396 0.368 0.376 0.378 0.387
22 0.361 0.397 0.411 0.401 0.386 0.367 0.369 0.371 0.384
23 0.353 0.385 0.405 0.395 0.385 0.369 0.371 0.376 0.390
24 0.338 0.372 0.394 0.393 0.386 0.374 0.375 0.385 0.405
25 0.329 0.358 0.385 0.389 0.391 0.383 0.389 0.405 0.431
26 0.314 0.342 0.368 0.376 0.388 0.389 0.400 0.422 0.453
27 0.314 0.336 0.362 0.379 0.395 0.407 0.429 0.456 0.497
28 0.319 0.340 0.364 0.386 0.407 0.429 0.456 0.497 0.547
29 0.329 0.348 0.371 0.398 0.429 0.456 0.497 0.547 0.606
30 0.342 0.366 0.393 0.421 0.457 0.497 0.543 0.606 0.678
31 0.349 0.382 0.410 0.446 0.487 0.534 0.592 0.658 0.745
32 0.351 0.388 0.424 0.464 0.511 0.565 0.633 0.709 0.800
33 0.344 0.388 0.432 0.483 0.540 0.599 0.677 0.757 0.853
34 0.333 0.389 0.443 0.504 0.570 0.638 0.720 0.808 0.909
35 0.332 0.400 0.465 0.539 0.611 0.688 0.775 0.874 0.986
36 0.332 0.414 0.493 0.577 0.661 0.742 0.844 0.949 1.066
37 0.344 0.435 0.527 0.623 0.715 0.806 0.914 1.031 1.159
38 0.370 0.475 0.585 0.691 0.794 0.892 1.010 1.144 1.289
39 0.403 0.531 0.650 0.767 0.877 0.988 1.119 1.271 1.436
40 0.435 0.578 0.710 0.839 0.953 1.069 1.218 1.384 1.562
41 0.465 0.624 0.775 0.910 1.034 1.163 1.318 1.497 1.695
42 0.505 0.685 0.849 1.000 1.142 1.283 1.454 1.649 1.869
43 0.534 0.728 0.907 1.074 1.228 1.380 1.561 1.769 2.002
44 0.562 0.770 0.967 1.149 1.311 1.475 1.668 1.889 2.139
45 0.592 0.817 1.029 1.228 1.401 1.577 1.786 2.023 2.288
46 0.624 0.863 1.092 1.311 1.506 1.695 1.932 2.179 2.467
47 0.655 0.917 1.166 1.406 1.630 1.839 2.082 2.360 2.702
48 0.685 0.975 1.250 1.516 1.779 2.014 2.279 2.589 2.977
49 0.716 1.039 1.344 1.644 1.941 2.209 2.515 2.857 3.274
50 0.747 1.111 1.449 1.779 2.108 2.419 2.766 3.143 3.373
51 0.800 1.216 1.599 1.964 2.335 2.693 3.086 3.504 3.964
52 0.859 1.332 1.757 2.164 2.567 2.965 3.398 3.860 4.361
53 0.924 1.451 1.925 2.365 2.801 3.221 3.689 4.194 4.749
54 0.998 1.581 2.100 2.574 3.036 3.470 3.967 4.511 5.135
55 1.080 1.727 2.296 2.800 3.284 3.733 4.248 4.831 5.537
56 1.180 1.893 2.515 3.057 3.557 4.013 4.560 5.188 5.960
57 1.302 2.089 2.772 3.354 3.859 4.344 4.931 5.601 6.415
58 1.446 2.326 3.082 3.700 4.231 4.756 5.386 6.097 6.934
59 1.618 2.604 3.434 4.103 4.684 5.254 5.928 6.669 7.548
60 1.814 2.911 3.827 4.555 5.209 5.821 6.537 7.311 8.253
61 2.038 3.242 4.244 5.052 5.777 6.432 7.193 8.017 9.036
62 2.292 3.585 4.675 5.585 6.358 7.067 7.885 8.781 9.882
63 2.576 3.982 5.159 6.142 6.947 7.701 8.582 9.554 10.757
64 2.897 4.452 5.708 6.721 7.559 8.355 9.291 10.347 11.679
65 3.257 4.951 6.287 7.320 8.210 9.054 10.062 11.236 12.726
66 3.649 5.443 6.853 7.933 8.901 9.830 10.956 12.292 13.975
67 4.081 5.889 7.357 8.549 9.651 10.722 12.027 13.585 15.499
68 4.552 6.301 7.811 9.163 10.463 11.762 13.339 15.183 17.400
69 5.067 6.709 8.257 9.783 11.341 12.957 14.889 17.117 19.670
70 5.618 7.100 8.688 10.402 12.277 14.279 16.676 19.348 22.298
71 6.164 7.784 9.515 11.376 13.404 15.587 18.189 21.101 24.316
72 6.757 8.524 10.406 12.424 14.636 17.006 19.843 23.013 26.514
73 7.390 9.310 11.350 13.547 15.945 18.524 21.607 25.055 28.850
74 7.943 9.991 12.173 14.518 17.088 19.849 23.147 26.826 30.881
75 8.370 10.524 12.815 15.283 17.983 20.881 24.339 28.203 32.464
76 8.717 10.952 13.335 15.901 18.704 21.709 25.298 29.310 33.726
77 9.064 11.387 13.863 16.525 19.427 22.544 26.268 30.424 35.001
78 9.617 12.079 14.701 17.514 20.586 23.886 27.824 32.219 37.062
79 10.443 13.112 15.950 18.999 22.329 25.900 30.163 34.924 40.169
80 11.286 14.164 17.225 20.516 24.104 27.953 32.550 37.684 43.317
[x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------- ------- -------
0 0.119 0.119 0.127 0.161 0.200 0.257 0.311 15
1 0.119 0.119 0.127 0.161 0.200 0.257 0.311 16
2 0.119 0.127 0.161 0.200 0.257 0.311 0.365 17
3 0.127 0.161 0.200 0.257 0.311 0.365 0.411 18
4 0.161 0.200 0.257 0.311 0.365 0.411 0.445 19
5 0.200 0.257 0.311 0.365 0.411 0.445 0.457 20
6 0.257 0.311 0.365 0.411 0.445 0.457 0.433 21
7 0.311 0.365 0.411 0.445 0.457 0.443 0.416 22
8 0.365 0.411 0.445 0.457 0.452 0.425 0.403 23
9 0.411 0.445 0.457 0.462 0.434 0.411 0.394 24
10 0.445 0.457 0.471 0.443 0.420 0.402 0.381 25
11 0.457 0.480 0.452 0.429 0.411 0.390 0.373 26
12 0.490 0.461 0.438 0.419 0.398 0.381 0.357 27
13 0.470 0.446 0.428 0.406 0.389 0.365 0.368 28
14 0.455 0.436 0.415 0.397 0.373 0.376 0.374 29
15 0.441 0.423 0.405 0.380 0.384 0.382 0.382 30
16 0.431 0.410 0.388 0.392 0.390 0.390 0.390 31
17 0.421 0.399 0.402 0.400 0.400 0.399 0.390 32
18 0.410 0.391 0.396 0.400 0.403 0.399 0.393 33
19 0.395 0.378 0.390 0.397 0.403 0.404 0.405 34
20 0.383 0.369 0.384 0.391 0.405 0.416 0.423 35
21 0.399 0.393 0.403 0.415 0.429 0.448 0.459 36
22 0.401 0.404 0.413 0.433 0.457 0.485 0.506 37
23 0.413 0.422 0.435 0.463 0.495 0.521 0.553 38
24 0.434 0.456 0.472 0.510 0.550 0.583 0.620 39
25 0.466 0.497 0.526 0.573 0.621 0.657 0.699 40
26 0.498 0.535 0.578 0.626 0.681 0.727 0.768 41
27 0.552 0.594 0.641 0.696 0.756 0.806 0.845 42
28 0.611 0.654 0.705 0.764 0.830 0.884 0.931 43
29 0.682 0.729 0.780 0.842 0.908 0.969 1.027 44
30 0.761 0.812 0.866 0.928 0.993 1.063 1.138 45
31 0.835 0.891 0.951 1.018 1.095 1.170 1.261 46
32 0.899 0.959 1.027 1.100 1.185 1.274 1.378 47
33 0.962 1.033 1.111 1.204 1.312 1.421 1.544 48
34 1.023 1.108 1.203 1.323 1.455 1.583 1.740 49
35 1.104 1.202 1.314 1.450 1.599 1.743 1.923 50
36 1.195 1.307 1.433 1.586 1.75_ _.917 2.109 51
37 1.303 1.425 1.562 1.728 1.9__ _.104 2.294 52
38 1.451 1.575 1.719 1.893 2.___ 2.313 2.498 53
39 1.611 1.745 1.901 2.095 2.329 2.581 2.786 54
40 1.758 1.897 2.062 2.275 2.529 2.818 3.074 55
41 1.909 2.069 2.262 2.499 2.792 3.140 3.484 56
42 2.111 2.300 2.521 2.785 3.118 3.514 3.946 57
43 2.287 2.511 2.775 3.090 3.467 3.919 4.442 58
44 2.464 2.740 3.062 3.431 3.862 4.364 4.978 59
45 2.658 2.996 3.377 3.811 4.298 4.865 5.541 60
46 2.878 3.271 3.717 4.222 4.782 5.420 6.145 61
47 3.131 3.563 4.053 4.616 5.235 5.919 6.676 62
48 3.419 3.874 4.409 5.028 5.703 6.460 7.281 63
49 3.733 4.211 4.782 5.448 6.201 7.042 7.955 64
50 4.062 4.577 5.201 5.957 6.824 7.811 8.883 65
51 4.500 5.046 5.733 6.571 7.555 8.677 9.895 66
52 4.944 5.546 6.304 7.239 8.345 9.603 10.966 67
53 5.391 6.069 6.919 7.958 9.175 10.576 12.107 68
54 5.854 6.620 7.582 8.724 10.054 11.600 13.259 69
55 6.342 7.214 9.292 9.550 11.005 12.712 14.474 70
56 6.868 7.855 9.057 10.446 12.048 13.925 1_.919 71
57 7.444 8.549 9.890 11.432 13.196 15.269 17.547 72
58 8.077 9.303 10.789 12.498 14.463 16.765 19.277 73
59 8.781 10.122 11.744 13.648 15.853 18.410 21.179 74
60 9.563 11.010 12.780 14.896 17.366 20.209 23.256 75
61 10.419 12.030 14.022 16.448 19.316 22._71 26.158 76
62 11.366 13.158 15.396 18.167 21.439 25.191 29.378 77
63 12.365 14.421 17.017 20.251 24.131 28._70 33.703 78
64 13.430 15.728 18.637 22.312 26.707 31.759 37.718 79
65 14.645 17.259 20.620 24.857 29.974 35.879 42.841 80
66 16.075 18.995 22.733 27.455 33.160 39.770 47.364 81
67 17.829 21.150 25.387 30.723 37.183 44.743 53.353 82
68 19.976 23.669 28.300 34.093 41.112 49.445 58.852 83
69 22.536 26.722 31.863 38.240 46.012 55.409 66.325 84
70 25.479 30.216 35.877 42.859 51.405 61.928 74.720 85
71 27.778 33.165 29.627 47.608 57.382 69.441 82.964 86
72 30.270 36.527 44.057 53.357 64.783 78.389 93.496 87
73 32.929 40.163 48.873 59.654 72.920 87.537 105.112 88
74 35.247 43.278 52.969 64.981 79.148 95.165 114.793 89
75 37.038 45.791 56.371 69.484 84.257 101.772 123.273 90
76 38.471 47.558 58.537 72.114 87.076 105.249 127.535 91
77 39.921 49.345 60.700 74.757 89.931 108.751 131.851 92
78 42.267 52.214 64.215 78.546 94.581 114.487 138.865 93
79 45.783 56.545 69.542 84.271 101.634 123.129 149.486 94
80 49.361 50.965 74.932 90.112 108.778 131.924 160.319 95
176.350 96
193.985 97
213.384 98
234.722 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
FEMALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
------ ------ ------ ------ ------ ------ ------ ------ ------
18 0.352 0.374 0.388 0.439 0.461 0.463 0.459 0.459 0.460
19 0.343 0.369 0.418 0.427 0.439 0.439 0.439 0.439 0.445
20 0.326 0.389 0.405 0.409 0.416 0.410 0.419 0.420 0.435
21 0.342 0.384 0.404 0.405 0.410 0.405 0.423 0.437 0.462
22 0.332 0.376 0.401 0.403 0.408 0.413 0.427 0.443 0.475
23 0.330 0.371 0.402 0.404 0.415 0.426 0.442 0.465 0.499
24 0.322 0.365 0.397 0.410 0.428 0.446 0.464 0.493 0.534
25 0.319 0.357 0.397 0.417 0.448 0.474 0.498 0.534 0.581
26 0.309 0.349 0.390 0.417 0.459 0.498 0.528 0.569 0.622
27 0.316 0.353 0.396 0.435 0.485 0.536 0.578 0.626 0.692
28 0.331 0.368 0.413 0.458 0.514 0.578 0.626 0.692 0.772
29 0.351 0.390 0.436 0.487 0.555 0.626 0.692 0.772 0.866
30 0.379 0.424 0.475 0.527 0.601 0.692 0.766 0.866 0.981
31 0.400 0.456 0.507 0.569 0.649 0.753 0.846 0.953 1.092
32 0.414 0.474 0.534 0.599 0.690 0.807 0.916 1.038 1.187
33 0.415 0.483 0.552 0.632 0.740 0.868 0.992 1.124 1.282
34 0.409 0.490 0.573 0.668 0.791 0.935 1.068 1.215 1.378
35 0.414 0.511 0.609 0.725 0.858 1.021 1.164 1.325 1.506
36 0.420 0.536 0.654 0.785 0.940 1.115 1.278 1.450 1.641
37 0.440 0.571 0.708 0.858 1.030 1.222 1.396 1.588 1.792
38 0.479 0.631 0.796 0.964 1.153 1.362 1.555 1.769 1.985
39 0.529 0.714 0.896 1.079 1.284 1.522 1.730 1.957 2.203
40 0.578 0.787 0.986 1.189 1.406 1.654 1.876 2.122 2.387
41 0.626 0.857 1.085 1.301 1._32 1.791 2.022 2.286 2.579
42 0.685 0.948 1.199 1.436 1.685 1.968 2.221 2.509 2.832
43 0.731 1.016 1.237 1.535 1.805 2.109 2.374 2.680 3.010
44 0.775 1.079 1.366 1.636 1.919 2.243 2.527 2.839 3.175
45 0.820 1.140 1.448 1.742 2.043 2.389 2.684 3.002 3.354
46 0.861 1.199 1.530 1.852 2.186 2.548 2.854 3.193 3.571
47 0.900 1.269 1.626 1.977 2.347 2.730 3.052 3.416 3.844
48 0.937 1.345 1.738 2.115 2.530 2.951 3.298 3.683 4.161
49 0.976 1.426 1.853 2.265 2.727 3.197 3.578 3.994 4.496
50 1.014 1.513 1.973 2.421 2.923 3.441 3.866 4.315 4.817
51 1.076 1.636 2.149 2.639 3.182 3.765 4.237 4.725 5.223
52 1.142 1.769 2.332 2.858 3.438 4.071 4.582 5.085 5.610
53 1.213 1.903 2.512 3.069 3.685 4.342 4.860 5.395 5.991
54 1.293 2.038 2.692 3.281 3.922 4.571 5.103 5.691 6.352
55 1.376 2.188 2.891 3.504 4.145 4.802 5.359 5.975 6.712
56 1.477 2.356 3.110 3.738 4.384 5.063 5.640 6.289 7.077
57 1.601 2.553 3.349 4.004 4.665 5.373 5.977 6.651 7.460
58 1.746 2.777 3.635 4.333 5.015 5.766 6.396 7.089 7.890
59 1.908 3.036 3.974 4.711 5.440 6.239 6.893 7.589 8.403
60 2.089 3.329 4.341 5.126 5.926 6.768 7.438 8.139 8.984
61 2.303 3.634 4.718 5.569 6.436 7.319 8.007 8.727 9.612
62 2.539 3.938 5.091 6.028 6.933 7.867 8.583 9.340 10.267
63 2.797 4.284 5._02 6.487 7.410 8.383 9.129 9.926 10.911
64 3.081 4.691 5.956 6.946 7.883 8.888 9.654 10.495 11.557
65 3.392 5.105 6.419 7.396 8.367 9.407 10.206 11.119 12.278
66 3.718 5.490 6.841 7.833 8.862 9.970 10.841 11.860 13.137
67 4.069 5.809 7.177 8.246 9.379 10.610 11.604 12.770 14.283
68 4.438 6.074 7.443 8.628 9.920 11.347 12.539 13.992 15.711
69 4.827 6.317 7._80 8.986 10.484 12.180 13.721 15.456 17.397
70 5.227 6.526 7.884 9.316 11.058 13.159 15.057 17.111 19.307
71 5.599 6.979 8.419 9.927 11.836 14.074 16.087 18.270 20.602
72 5.988 7.452 8.971 10.628 12.662 15.040 17.181 19.499 21.973
73 6.385 7.931 9.593 11.354 13.513 16.040 18.307 20.764 23.372
74 6.686 8.343 10.080 11.919 14.177 16.818 19.182 21.733 24.448
75 6.907 8.611 10.394 12.284 14.600 17.305 19.718 22.327 25.098
76 7.049 8.778 10.589 12.507 14.852 17.588 20.028 22.660 25.447
77 7.179 8.934 10.772 12.712 15.081 17.847 20.308 22.955 25.760
78 7.457 9.274 11.173 13.172 15.616 18.467 20.993 23.712 26.589
79 7.923 9.847 1l.851 13.962 16.540 19.542 22.199 25.055 28.073
80 8.376 10.398 12.506 14.723 17.426 20.573 23.352 26.337 29.734
[x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------ ------- -------
18 0.462 0.470 0.512 0.558 0.605 0.642 0.675 33
19 0.457 0.470 0.523 0.573 0.624 0.665 0.707 34
20 0.457 0.475 0.533 0.582 0.641 0.697 0.741 35
21 0.494 0.524 0.575 0.630 0.691 0.762 0.824 36
22 0.514 0.554 0.604 0.670 0.747 0.836 0.920 37
23 0.544 0.593 0.646 0.727 0.818 0.910 1.018 38
24 0.586 0.652 0.711 0.811 0.922 1.031 1.157 39
25 0.640 0.719 0.803 0.924 1.054 1.176 1.820 40
26 0.693 0.785 0.895 1.022 1.172 1.319 1.468 41
27 0.778 0.883 1.006 1.151 1.317 1.479 1.628 42
28 0.872 0.985 1.120 1.278 1.464 1.636 1.809 43
29 0.987 1.112 1.255 1.426 1.616 1.807 2.012 44
30 1.116 1.255 1.411 1.586 1.790 2.000 2.237 45
31 1.240 1.393 1.561 1.753 1.979 2.210 2.469 46
32 1.351 1.513 1.700 1.910 2.151 2.398 2.688 47
33 1.457 1.643 1.854 2.098 2.371 2.662 2.999 48
34 1.562 1.777 2.015 2.297 2.619 2.955 3.366 49
35 1.700 1.934 2.192 2.507 2.866 3.239 3.706 50
36 1.848 2.096 2.381 2.732 3.132 3.549 4.031 51
37 2.007 2.275 2.585 2.965 3.407 3.862 4.330 52
38 2.225 2.504 2.834 3.234 3.700 4.193 4.656 53
39 2.461 2.764 3.120 3.550 4.058 4.622 5.127 54
40 2.674 2.991 3.358 3.807 4.351 4.982 5.561 55
41 2.892 3.236 3.637 4.130 4.742 5.457 6.194 56
42 3.173 3.554 4.003 4.544 5.206 6.001 6.891 57
43 3.395 3.831 4.351 4.956 5.687 6.574 7.617 58
44 3.612 4.127 4.719 5.408 6.223 7.188 8.340 59
45 3.847 4.436 5.114 5.900 6.802 7.830 9.064 60
46 4.094 4.759 5.530 6.419 7.393 8.517 9.860 61
47 4.377 5.092 5.921 6.857 7.903 9.122 10.502 62
48 4.694 5.436 6.292 7.293 8.445 9.762 11.225 63
49 5.033 5.774 6.663 7.750 9.002 10.428 12.014 64
50 5.351 6.128 7.108 8.308 9.709 11.330 13.135 65
51 5.788 6.627 7.683 8.981 10.529 12.325 14.319 66
52 6.237 7.141 8.279 9.693 11.387 13.349 15.525 67
53 6.669 7.657 8.900 10.433 12.253 14.383 16.760 68
54 7.095 8.182 9.550 11.193 13.136 15.425 17.936 69
55 7.530 8.731 10.222 11.987 14.0__ 16.519 19.125 70
56 7.986 9.303 10.923 12.821 15.0__ 17.675 20.534 71
57 8.471 9.906 11.662 13.711 16.0__ 18.920 22.081 72
58 8.992 10.540 12.432 14.642 17.216 20.266 23.653 73
59 9.559 11.207 13.219 15.609 18.410 21.698 25.319 74
60 10.172 11.907 14.043 16.620 19.664 23.207 27.256 75
61 10.825 12.701 15.031 17.893 21.310 25.411 30.036 76
62 11.528 13.552 16.092 19.256 23.188 27.787 33.043 77
63 12.235 14.481 17.330 21.043 25.571 30.869 37.112 78
64 12.957 15.389 18.606 22.716 27.722 33.594 40.642 79
65 13.767 16.555 20.170 24.788 30.459 37.137 45.151 80
66 14.814 17.852 21.782 26.804 32.973 40.262 48.798 81
67 16.098 19.469 23.814 29.351 36.164 44.283 53.715 82
68 17.667 21.331 25.976 31.858 39.090 47.819 57.862 83
69 19.513 23.566 28.606 34.931 42.750 52.331 63.642 84
70 21.588 26.063 31.488 38.2_7 46.642 57.081 69.936 85
71 23.020 27.966 33.985 41.501 50.812 62.434 75.884 86
72 24.523 30.098 36.899 45.394 55.956 69.161 83.471 87
73 26.068 32.319 39.949 49.504 61.396 75.477 92.236 88
74 27.250 33.988 42.233 52.565 65.437 80.658 98.999 89
75 27.946 35.078 43.811 54.755 68.976 84.785 104.450 90
76 28.314 35.513 44.320 55.815 70.240 86.193 106.175 91
77 28.640 35.895 45.139 56.826 71.324 87.520 107.806 92
78 29.540 37.305 46.894 59.014 73.690 90.468 112.425 93
79 31.427 39.674 49.853 62.706 77.706 96.294 119.823 94
80 33.274 41.990 52.738 66.307 82.293 102.124 127.204 95
139.924 96
153.916 97
169.308 98
186.239 99
Memorandum Addendum No. XI to the Automatic Reinsurance Agreement effective June
1, 1984 between the Life Insurance Company of Virginia and North American
Reassurance Company.
Effective March 1, 1994, reinsurance generated on the LV Plus III plan and the
Waiver of Premium Rider shall be ceded under the above referenced Reinsurance
Agreement subject to the same terms and conditions of the Agreement except as
provided below:
1. Plan of Reinsurance:
A. Reinsurance of Life risks shall be on the risk premium basis. The risk
amount on the policy reinsured shall be calculated monthly and shall
be equal to the death benefit less the cash value. At the time of
issue, the Ceding Company shall cede to North American Re a portion of
the initial risk amount in excess of its retention. Thereafter, the
Ceding Company and North American Re shall keep the same proportionate
shares of the risk amount developed each month.
2. Reinsurance Administration:
A. Reinsurance shall be ceded using a bordereau format in accordance with
the suggested reporting details for Universal Life products as
indicated in Exhibit C of the basic Agreement.
3. Reinsurance Premiums:
A. Life Premiums
i) Until further notice, reinsurance premiums shall be developed as
described in the Exhibit B attached to this Memorandum Addendum.
North American Re guarantees that premium rates for a given
attained age, rating, and duration shall not exceed the higher of
the rate shown in the attached schedule (Exhibit B) for that age,
rating, and duration or the one year term rate on the appropriate
multiple of the applicable 1980 CSO table at the maximum
statutory valuation rate approved in New York state.
ii) Reinsurance premiums are annual premiums payable at the end of
the month in which they become due.
4. Premium Tax Reimbursement:
A. The reinsurance premiums for these plans of insurance have been
calculated to reflect the Ceding Company's premium tax liability.
North American Re shall not make any additional reimbursement for
premium taxes.
- 1 -
5. Percentage of Participation:
A. North American Re's percentage of participation shall be equal to 20%,
not to exceed the limits specified in Exhibit G to the Agreement to
which this Memorandum Addendum is attached.
IN WITNESS WHEREOF, the Company and North American Re have caused their names to
be subscribed and duly attested hereunder by their respective Authorized
Officers.
THE LIFE INSURANCE COMPANY OF VIRGINIA
By: /s/ Illegible Attest: /s/ Illegible
----------------------------------- -------------------------------
Title: __ V.P. Title: V.P. and Actuary
Date: April 14, 1994 Date: April 14, 1994
NORTH AMERICAN REASSURANCE COMPANY
By: /s/ Illegible Attest: /s/ Illegible
----------------------------------- -------------------------------
Title: _____________________ Title: asst VP
Date: 4.25.94 Date: 4/25/94
- 2 -
REINSURANCE PREMIUMS
I. Plan & Rider: LVPlusIII (Universal Life)
Waiver of Premium Rider
II. Standard Reinsurance Risk Premiums: Reinsurance on the above plan and rider
shall be ceded on a bordereau basis employing annual reinsurance premiums.
The reinsurance premiums shall equal the DL881 medical, unprojected,
expected mortality assumptions attached to this Exhibit B, multiplied by
the following factors:
ISSUE PREF STD PREF STD
AGE NS NS SMK SMK
---------- ---- ---- ---- ----
0-40 1.50 1.25 1.45 1.25
41-60 1.20 1.08 1.22 1.08
61 & Older 1.20 1.15 1.35 1.15
III. Multiple Table Substandard Reinsurance Premiums: Multiple table substandard
reinsurance premiums are equal to the sum of the standard premium and 20%
of the standard premium for each 25% excess mortality.
IV. Flat Extra Substandard Reinsurance Premiums:
a) Permanent Flat Extra Premiums are ones assessed for more than 5 years.
North American Re should receive its proportionate share of any such
premiums less a 10% reduction in all policy years.
b) Temporary Flat Extra Premiums are ones assessed for 5 years or less.
North American Re should receive its proportionate share of any such
premiums less a 10% reduction in all policy years.
V. Maximum Amount Of Reinsurance On One Life On These Reinsurance Premiums:
$10,000,000. For ceded risk amounts in excess of $10,000,000, the
reinsurance premiums described in Section II, above, increased by 10%,
shall apply.
EXHIBIT B
Page 1 of 2
VI. Reinsurance Premiums For Policies Converted To The LVPlusIII Plan: Any
reinsurance in force with the North American Re on policies converted to or
reissued on the LVPlusIII plan shall be continued with the North American
Re. The reinsured risk amount shall be determined as described in Paragraph
1 of this Memorandum Addendum following the conversion or reissue. The
applicable reinsurance premiums will be determined as described in this
Exhibit B, with age and duration measured from the date of issue of the
original policy.
VIII. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
Page 2 of 2
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
MALE PREFERRED NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
----- ------ ------ ------ ------ ------ ------ ------ ------
0 0.612 0.401 0.345 0.291 0.282 0.266 0.255 0.236 0.222
1 0.612 0.401 0.345 0.291 0.282 0.266 0.255 0.236 0.222
2 0.402 0.322 0.290 0.272 0.253 0.253 0.233 0.219 0.218
3 0.324 0.272 0.272 0.244 0.241 0.232 0.218 0.216 0.222
4 0.274 0.255 0.245 0.233 0.222 0.217 0.215 0.220 0.239
5 0.257 0.230 0.234 0.215 0.208 0.214 0.219 0.238 0.309
6 0.233 0.221 0.216 0.202 0.206 0.219 0.237 0.308 0.388
7 0.224 0.204 0.203 0.200 0.211 0.238 0.308 0.387 0.506
8 0.209 0.194 0.204 0.207 0.231 0.311 0.390 0.509 0.623
9 0.198 0.194 0.210 0.226 0.301 0.392 0.511 0.625 0.740
10 0.195 0.197 0.227 0.292 0.377 0.512 0.625 0.740 0.841
11 0.199 0.213 0.293 0.364 0.488 0.619 0.730 0.827 0.902
12 0.214 0.273 0.363 0.469 0.587 0.719 0.812 0.882 0.906
13 0.275 0.340 0.468 0.564 0.683 0.800 0.865 0.885 0.629
14 0.341 0.436 0.562 0.655 0.759 0.853 0.870 0.616 0.588
15 0.437 0.524 0.647 0.716 0.790 0.852 0.611 0.580 0.559
16 0.529 0.608 0.692 0.731 0.781 0.599 0.577 0.554 0.530
17 0.609 0.646 0.710 0.727 0.562 0.563 0.544 0.525 0.502
18 0.609 0.638 0.700 0.518 0.534 0.527 0.507 0.489 0.472
19 0.582 0.618 0.490 0.484 0.491 0.482 0.465 0.448 0.438
20 0.542 0.422 0.456 0.448 0.448 0.431 0.423 0.409 0.402
21 0.349 0.385 0.427 0.423 0.424 0.415 0.424 0.423 0.434
22 0.305 0.340 0.383 0.376 0.378 0.380 0.379 0.381 0.391
23 0.271 0.300 0.340 0.334 0.341 0.343 0.345 0.347 0.359
24 0.235 0.260 0.297 0.300 0.307 0.314 0.312 0.320 0.338
25 0.209 0.229 0.268 0.272 0.287 0.294 0.298 0.311 0.329
26 0.194 0.214 0.248 0.257 0.274 0.291 0.300 0.314 0.336
27 0.189 0.203 0.237 0.249 0.272 0.296 0.310 0.329 0.361
28 0.188 0.203 0.233 0.250 0.277 0.306 0.325 0.356 0.338
29 0.194 0.206 0.238 0.259 0.290 0.325 0.356 0.388 0.431
30 0.197 0.213 0.249 0.268 0.304 0.351 0.379 0.425 0.474
31 0.199 0.221 0.255 0.281 0.322 0.369 0.411 0.455 0.515
32 0.201 0.224 0.264 0.294 0.336 0.393 0.440 0.492 0.555
33 0.197 0.225 0.273 0.305 0.358 0.419 0.472 0.528 0.595
34 0.188 0.224 0.274 0.316 0.374 0.441 0.497 0.558 0.630
35 0.190 0.229 0.289 0.339 0.401 0.476 0.537 0.607 0.686
36 0.191 0.242 0.311 0.368 0.441 0.524 0.597 0.673 0.754
37 0.202 0.258 0.339 0.405 0.487 0.581 0.659 0.743 0.837
38 0.217 0.282 0.376 0.449 0.542 0.644 0.728 0.827 0.935
39 0.236 0.314 0.418 0.500 0.600 0.712 0.809 0.922 1.043
40 0.260 0.349 0.466 0.558 0.663 0.788 0.900 1.025 1.159
41 0.283 0.385 0.519 0.617 0.735 0.877 0.995 1.132 1.285
42 0.308 0.424 0.568 0.679 0.815 0.969 1.100 1.250 1.419
43 0.333 0.458 0.621 0.747 0.896 1.065 1.207 1.370 1.549
44 0.357 0.496 0.678 0.817 0.978 1.164 1.318 1.491 1.689
45 0.385 0.539 0.738 0.893 1.069 1.272 1.439 1.631 1.840
46 0.416 0.583 0.801 0.976 1.175 1.395 1.583 1.789 2.022
47 0.447 0.634 0.876 1.070 1.298 1.547 1.747 1.977 2.259
48 0.478 0.691 0.961 1.179 1.449 1.727 1.951 2.213 2.539
49 0.513 0.753 1.056 1.308 1.613 1.934 2.198 2.491 2.848
50 0.548 0.824 1.166 1.445 1.789 2.163 2.468 2.798 3.170
51 0.586 0.902 1.283 1.592 1.977 2.403 2.747 3.109 3.519
52 0.630 0.985 1.407 1.751 2.169 2.639 3.015 3.426 3.870
53 0.676 1.071 1.539 1.909 2.361 2.858 3.275 3.722 4.216
54 0.728 1.165 1.675 2.073 2.551 3.080 3.521 4.004 4.559
55 0.787 1.270 1.826 2.247 2.760 3.313 3.771 4.289 4.920
56 0.858 1.389 1.994 2.454 2.989 3.563 4.049 4.609 5.299
57 0.944 1.528 2.199 2.692 3.244 3.857 4.381 4.980 5.702
58 1.045 1.702 2.444 2.971 3.558 4.226 4.789 5.419 6.160
59 1.169 1.905 2.725 3.296 3.941 4.671 5.268 5.925 6.709
60 1.311 2.130 3.036 3.661 4.385 5.173 5.808 6.498 7.337
61 1.474 2.372 3.370 4.063 4.862 5.714 6.393 7.127 8.035
62 1.658 2.625 3.715 4.490 5.349 6.281 7.010 7.808 8.798
63 1.864 2.918 4.098 4.936 5.847 6.846 7.631 8.506 9.591
64 2.098 3.261 4.532 5.404 6.363 7.429 8.272 9.225 10.439
65 2.358 3.625 4.994 5.886 6.912 8.061 8.970 10.043 11.408
66 2.640 3.987 5.444 6.381 7.504 8.764 9.793 11.019 12.577
67 2.954 4.315 5.846 6.885 8.148 9.584 10.781 12.225 13.995
68 3.296 4.618 6.215 7.390 8.856 10.543 12.004 13.710 15.764
69 3.670 4.923 6.579 7.910 9.627 11.660 13.445 15.507 17.890
70 4.073 5.217 6.940 8.435 10.462 12.894 15.107 17.596 20.357
71 4.476 5.734 7.622 9.261 11.462 14.121 16.543 19.264 22.276
72 4.919 6.297 8.369 10.148 12.556 15.466 18.115 21.083 24.385
73 5.395 6.905 9.159 11.101 13.733 16.911 19.795 23.042 26.645
74 5.822 7.435 9.856 11.944 14.773 18.184 21.287 24.776 28.632
75 6.156 7.858 10.416 12.621 15.601 19.204 22.479 26.149 30.212
76 6.432 8.209 10.880 13.177 16.289 20.050 23.456 27.277 31.502
77 6.715 8.567 11.350 13.747 16.991 20.902 24.446 28.418 32.809
78 7.150 9.120 12.083 14.633 18.074 22.229 25.989 30.201 34.853
79 7.792 9.939 13.165 15.934 19.677 24.192 28.274 32.842 37.887
80 8.454 10.781 14.273 17.271 21.320 26.202 30.610 35.544 40.937
[x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------- ------- -------
0 0.222 0.228 0.249 0.326 0.414 0.547 0.678 15
1 0.222 0.228 0.249 0.326 0.414 0.547 0.678 16
2 0.224 0.245 0.320 0.406 0.536 0.663 0.795 17
3 0.242 0.315 0.399 0.526 0.650 0.779 0.896 18
4 0.311 0.394 0.518 0.639 0.765 0.879 0.971 19
5 0.390 0.512 0.631 0.754 0.865 0.954 0.996 20
6 0.508 0.625 0.746 0.854 0.941 0.981 0.750 21
7 0.622 0.740 0.846 0.931 0.969 0.733 0.719 22
8 0.740 0.844 0.926 0.962 0.719 0.704 0.699 23
9 0.843 0.923 0.957 0.708 0.692 0.686 0.685 24
10 0.920 0.953 0.698 0.682 0.675 0.673 0.660 25
11 0.930 0.673 0.655 0.646 0.642 0.628 0.620 26
12 0.647 0.628 0.617 0.611 0.596 0.566 0.568 27
13 0.602 0.589 0.581 0.563 0.552 0.532 0.548 28
14 0.568 0.558 0.539 0.527 0.506 0.519 0.529 29
15 0.537 0.521 0.507 0.485 0.495 0.502 0.508 30
16 0.509 0.489 0.471 0.479 0.485 0.488 0.495 31
17 0.481 0.463 0.469 0.474 0.476 0.482 0.478 32
18 0.457 0.437 0.449 0.455 0.464 0.467 0.463 33
19 0.427 0.414 0.429 0.441 0.455 0.458 0.463 34
20 0.402 0.389 0.409 0.422 0.439 0.453 0.468 35
21 0.444 0.436 0.445 0.452 0.462 0.480 0.479 36
22 0.409 0.412 0.419 0.437 0.461 0.480 0.498 37
23 0.381 0.392 0.406 0.439 0.466 0.496 0.527 38
24 0.360 0.384 0.406 0.441 0.485 0.521 0.562 39
25 0.355 0.390 0.418 0.468 0.518 0.561 0.611 40
26 0.372 0.405 0.453 0.503 0.563 0.617 0.672 41
27 0.396 0.441 0.491 0.550 0.617 0.681 0.740 42
28 0.434 0.479 0.535 0.598 0.674 0.746 0.818 43
29 0.483 0.534 0.590 0.660 0.740 0.819 0.900 44
30 0.532 0.587 0.650 0.724 0.810 0.896 1.000 45
31 0.576 0.638 0.709 0.791 0.884 0.986 1.112 46
32 0.624 0.694 0.775 0.864 0.973 1.097 1.242 47
33 0.672 0.752 0.841 0.951 1.084 1.227 1.394 48
34 0.709 0.800 0.907 1.045 1.201 1.368 1.574 49
35 0.767 0.874 1.003 1.160 1.341 1.535 1.777 50
36 0.848 0.973 1.117 1.296 1.504 1.724 1.987 51
37 0.945 1.083 1.244 1.443 1.678 1.929 2.207 52
38 1.054 1.202 1.381 1.599 1.860 2.158 2.448 53
39 1.173 1.336 1.529 1.768 2.067 2.403 2.725 54
40 1.307 1.482 1.690 1.960 2.285 2.674 3.066 55
41 1.449 1.641 1.880 2.169 2.535 2.985 3.468 56
42 1.601 1.826 2.090 2.413 2.826 3.333 3.918 57
43 1.770 2.022 2.327 2.700 3.157 3.721 4.396 58
44 1.942 2.240 2.599 3.023 3.533 4.145 4.929 59
45 2.134 2.487 2.900 3.385 3.948 4.640 5.484 60
46 2.354 2.758 3.230 3.779 4.425 5.186 6.085 61
47 2.612 3.062 3.587 4.224 4.951 5.791 6.759 62
48 2.908 3.392 3.991 4.703 5.517 6.465 7.544 63
49 3.237 3.773 4.426 5.214 6.138 7.215 8.440 64
50 3.606 4.179 4.890 5.769 6.812 8.039 9.420 65
51 3.993 4.622 5.420 6.416 7.624 9.041 10.651 66
52 4.388 5.107 6.024 7.182 8.588 10.256 12.167 67
53 4.787 5.606 6.649 7.951 9.534 11.440 13.633 68
54 5.200 6.150 7.357 8.844 10.657 12.856 15.366 69
55 5.638 6.716 8.084 9.756 11.780 14.259 17.032 70
56 6.104 7.323 8.877 10.752 13.022 15.823 19.019 71
57 6.614 7.980 9.695 11.769 14.282 17.375 21.018 72
58 7.179 8.685 10.578 12.883 15.675 19.126 23.158 73
59 7.807 9.475 11.586 14.190 17.389 21.308 25.891 74
60 8.503 10.320 12.626 15.527 19.104 23.482 28.527 75
61 9.276 11.276 13.849 17.120 21.203 26.113 31.885 76
62 10.133 12.318 15.135 18.767 23.259 28.693 35.152 77
63 11.052 13.469 16.621 20.671 25.735 31.853 39.274 78
64 12.039 14.728 18.217 22.759 28.443 35.306 43.756 79
65 13.180 16.134 20.020 25.082 31.431 39.089 48.518 80
66 14.515 17.792 22.103 27.704 34.723 43.236 53.488 81
67 16.152 19.788 24.536 30.674 38.379 47.777 58.940 82
68 18.168 22.201 27.381 34.052 42.424 52.717 64.849 83
69 20.574 25.029 30.657 37.839 46.843 58.071 71.608 84
70 23.342 28.272 34.345 42.014 51.655 63.852 79.120 85
71 25.547 31.013 37.737 46.245 56.942 70.484 85.409 86
72 27.957 34.084 41.650 51.227 63.292 78.578 93.196 87
73 30.530 37.397 45.880 56.635 70.186 85.372 101.594 88
74 32.802 40.258 49.478 61.173 75.922 90.758 108.398 89
75 34.596 42.550 52.387 64.865 80.170 95.164 114.014 90
76 36.062 44.334 54.563 67.450 82.568 98.144 117.704 91
77 37.541 46.137 56.688 70.049 84.997 101.145 121.419 92
78 39.867 48.913 60.075 74.226 88.890 105.969 127.309 93
79 43.266 53.063 65.164 80.154 94.735 113.136 136.241 94
80 46.729 57.303 70.350 84.973 100.611 120.446 145.339 95
159.873 96
175.861 97
193.447 98
212.791 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
MALE NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
------ ------ ------ ------ ------ ------ ------ ------ ------
0 0.825 0.535 0.424 0.354 0.327 0.292 0.280 0.259 0.244
1 0.825 0.535 0.424 0.354 0.327 0.292 0.280 0.259 0.244
2 0.543 0.429 0.357 0.330 0.294 0.278 0.256 0.241 0.240
3 0.436 0.362 0.334 0.297 0.280 0.255 0.239 0.238 0.244
4 0.369 0.339 0.301 0.283 0.257 0.238 0.236 0.242 0.263
5 0.347 0.307 0.288 0.261 0.241 0.236 0.241 0.261 0.339
6 0.314 0.294 0.266 0.245 0.239 0.241 0.261 0.338 0.426
7 0.302 0.272 0.250 0.244 0.245 0.261 0.338 0.425 0.556
8 0.283 0.259 0.251 0.252 0.268 0.342 0.428 0.559 0.685
9 0.267 0.258 0.258 0.274 0.349 0.431 0.562 0.686 0.814
10 0.264 0.263 0.279 0.355 0.438 0.563 0.687 0.813 0.924
11 0.269 0.284 0.360 0.443 0.567 0.680 0.803 0.909 0.991
12 0.289 0.364 0.446 0.569 0.681 0.790 0.892 0.969 0.996
13 0.371 0.453 0.575 0.685 0.792 0.879 0.950 0.972 0.998
14 0.460 0.582 0.691 0.796 0.881 0.937 0.956 0.978 0.933
15 0.589 0.699 0.795 0.870 0.916 0.936 0.970 0.921 0.887
16 0.714 0.810 0.850 0.888 0.907 0.950 0.916 0.879 0.842
17 0.821 0.861 0.873 0.883 0.941 0.894 0.863 0.833 0.798
18 0.821 0.851 0.861 0.909 0.895 0.836 0.804 0.776 0.748
19 0.785 0.824 0.871 0.849 0.823 0.766 0.738 0.711 0.695
20 0.732 0,813 0.811 0.785 0.751 0.683 0.672 0.649 0.639
21 0.680 0.741 0.759 0.741 0.711 0.658 0.673 0.671 0.689
22 0.594 0.656 0.681 0.661 0.633 0.602 0.602 0.605 0.621
23 0.528 0.577 0.604 0.587 0.572 0.544 0.547 0.550 0.570
24 0.458 0.501 0.527 0.527 0.514 0.498 0.495 0.509 0.536
25 0.408 0.442 0.476 0.477 0.480 0.466 0.473 0.494 0.522
26 0.377 0.412 0.440 0.450 0.460 0.461 0.476 0.499 0.534
27 0.368 0.391 0.420 0.437 0.456 0.470 0.492 0.522 0.573
28 0.366 0.390 0.414 0.439 0.464 0.486 0.515 0.565 0.615
29 0.377 0.396 0.422 0.454 0.487 0.515 0.565 0.615 0.683
30 0.384 0.410 0.442 0.470 0.510 0.558 0.602 0.675 0.752
31 0.388 0.425 0.453 0.492 0.540 0.586 0.652 0.722 0.817
32 0.392 0.431 0.470 0.517 0.563 0.625 0.698 0.781 0.880
33 0.384 0.433 0.484 0.535 0.601 0.665 0.750 0.838 0.944
34 0.367 0.432 0.487 0.555 0.626 0.700 0.789 0.886 0.999
35 0.370 0.440 0.514 0.594 0.673 0.756 0.852 0.964 1.088
36 0.373 0.466 0.553 0.647 0.740 0.831 0.947 1.068 1.197
37 0.394 0.497 0.602 0.711 0.817 0.922 1.047 1.180 1.329
38 0.423 0.543 0.667 0.788 0.908 1.022 1.155 1.312 1.484
39 0.460 0.605 0.742 0.877 1.005 1.130 1.283 1.463 1.656
40 0.506 0.672 0.827 0.979 1.111 1.250 1.429 1.627 1.840
41 0.552 0.741 0.922 1.082 1.232 1.391 1.580 1.797 2.040
42 0.600 0.816 1.010 1.192 1.366 1.538 1.746 1.984 2.252
43 0.649 0.883 1.103 1.310 1.502 1.691 1.916 2.174 2.459
44 0.695 0.955 1.204 1.433 1.639 1.847 2.092 2.367 2.682
45 0.750 1.039 1.311 1.567 1.792 2.018 2.284 2.589 2.921
46 0.810 1.122 1.423 1.713 1.969 2.214 2.513 2.840 3.210
47 0.871 1.221 1.555 1.878 2.176 2.456 2.773 3.138 3.586
48 0.932 1.330 1.708 2.068 2.428 2.742 3.097 3.512 4.029
49 0.999 1.451 1.876 2.295 2.704 3.070 3.489 3.955 4.521
50 1.068 1.587 2.071 2.535 2.998 3.434 3.917 4.441 5.032
51 1.142 1.738 2.279 2.794 3.314 3.815 4.360 4.936 5.586
52 1.227 1.897 2.499 3.072 3.635 4.189 4.786 5.439 6.143
53 1.316 2.063 2.733 3.350 3.958 4.536 5.198 5.908 6.691
54 1.419 2.244 2.974 3.637 4.276 4.889 5.588 6.356 7.237
55 1.534 2.446 3.244 3.943 4.627 5.258 5.985 6.809 7.809
56 1.672 2.675 3.542 4.307 5.010 5.655 6.427 7.316 8.411
57 1.840 2.943 3.906 4.724 5.438 6.122 6.954 7.905 9.050
58 2.036 3.278 4.340 5.213 5.963 6.708 7.601 8.601 9.779
59 2.279 3.669 4.839 5.783 6.606 7.414 8.363 9.405 10.649
60 2.554 4.103 5.393 6.424 7.351 8.211 9.219 10.315 11.646
61 2.872 4.569 5.985 7.130 8.149 9.070 10.148 11.313 12.753
62 3.230 5.055 6.597 7.878 8.967 9.970 11.127 12.393 13.964
63 3.633 5.619 7.278 8.661 9.801 10.867 12.113 13.501 15.223
64 4.089 6.280 8.049 9.482 10.666 11.792 13.130 14.643 16.570
65 4.595 6.981 8.870 10.329 11.587 12.794 14.239 15.942 18.108
66 5.145 7.678 9.670 11.196 12.579 13.911 15.545 17.491 19.963
67 5.758 8.310 10.383 12.081 13.657 15.213 17.113 19.405 22.215
68 6.424 8.893 11.039 12.967 14.844 16.736 19.054 21.763 25.021
69 7.152 9.481 11.684 13.879 16.138 18.508 21.341 24.615 28.397
70 7.939 10.047 12.326 14.801 17.537 20.467 23.980 27.931 32.312
71 8.722 11.043 13.538 16.250 19.212 22.414 26.259 30.577 35.359
72 9.587 12.128 14.864 17.808 21.046 24.550 28.754 33.465 38.706
73 10.515 13.299 16.268 19.480 23.019 26.843 31.420 36.575 42.293
74 11.346 14.320 17.505 20.959 24.762 28.864 33.790 39.327 45.448
75 11.997 15.133 18.500 22.146 26.151 30.483 35.681 41.506 47.956
76 12.535 15.811 19.324 23.123 27.304 31.826 37.231 43.296 50.004
77 13.086 16.500 20.159 24.123 28.480 33.177 38.803 45.108 52.078
78 13.935 17.565 21.460 25.676 30.297 35.284 41.252 47.939 55.322
79 15.185 19.141 23.383 27.960 32.983 38.400 44.879 52.130 60.139
80 16.475 20.764 25.350 30.305 35.737 41.591 48.588 56.419 64.979
[x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------- ------- ------- ------- -------
0 0.244 0.250 0.274 0.358 0.455 0.601 0.745 15
1 0.244 0.250 0.274 0.358 0.455 0.601 0.745 16
2 0.247 0.269 0.351 0.446 0.589 0.728 0.874 17
3 0.266 0.346 0.438 0.578 0.714 0.856 0.984 18
4 0.342 0.433 0.569 0.702 0.841 0.966 1.067 19
5 0.428 0.563 0.693 0.828 0.950 1.049 1.095 20
6 0.559 0.687 0.819 0.938 1.034 1.078 0.997 21
7 0.683 0.813 0.930 1.023 1.064 1.005 0.956 22
8 0.813 0.927 1.018 1.057 1.016 0.966 0.930 23
9 0.926 1.015 1.052 1.031 0.978 0.941 0.911 24
10 1.012 1.047 1.046 0.992 0.953 0.922 0.878 25
11 1.022 1.038 0.982 0.940 0.907 0.861 0.825 26
12 1.027 0.968 0.924 0.889 0.841 0.803 0.755 27
13 0.955 0.908 0.870 0.820 0.780 0.730 0.728 28
14 0.901 0.861 0.808 0.766 0.715 0.711 0.704 29
15 0.852 0.804 0.759 0.706 0.699 0.689 0.676 30
16 0.808 0.754 0.705 0.697 0.685 0.669 0.659 31
17 0.764 0.714 0.704 0.690 0.673 0.661 0.636 32
18 0.725 0.674 0.673 0.662 0.655 0.640 0.616 33
19 0.677 0.639 0.642 0.642 0.642 0.628 0.616 34
20 0.638 0.600 0.613 0.614 0.620 0.621 0.622 35
21 0.705 0.672 0.666 0.658 0.653 0.658 0.637 36
22 0.649 0.636 0.628 0.635 0.652 0.659 0.663 37
23 0.605 0.605 0.608 0.638 0.659 0.680 0.701 38
24 0.571 0.592 0.608 6.642 0.685 0.714 0.748 39
25 0.564 0.601 0.626 0.682 0.732 0.770 0.813 40
26 0.590 0.627 0.679 0.732 0.795 0.846 0.894 41
27 0.628 0.681 0.736 0.801 0.872 0.933 0.985 42
28 0.688 0.739 0.801 0.871 0.953 1.023 1.088 43
29 0.767 0.824 0.885 0.960 1.045 1.123 1.198 44
30 0.844 0.906 0.974 1.054 1.145 1.228 1.330 45
31 0.915 0.985 1.063 1.151 1.249 1.352 1.479 46
32 0.990 1.070 1.162 1.257 1.375 1.504 1.652 47
33 1.067 1.161 1.260 1.384 1.532 1.682 1.854 48
34 1.126 1.234 1.360 1.520 1.697 1.876 2.094 49
35 1.217 1.348 1.503 1.688 1.895 2.104 2.364 50
36 1.346 1.500 1.674 1.886 2.125 2.364 2.643 51
37 1.500 1.670 1.864 2.101 2.371 2.645 2.936 52
38 1.673 1.855 2.069 2.326 2.629 2.960 3.257 53
39 1.861 2.060 2.291 2.572 2.921 3.295 3.625 54
40 2.075 2.285 2.532 2.852 3.229 3.667 4.079 55
41 2.300 2.532 2.817 3.157 3.582 4.092 4.614 56
42 2.542 2.817 3.131 3.511 3.993 4.570 5.212 57
43 2.810 3.119 3.487 3.929 4.461 5.103 5.848 58
44 3.082 3.455 3.894 4.400 4.992 5.684 6.557 59
45 3.387 3.837 4.346 4.926 5.578 6.362 7.296 60
46 3.737 4.254 4.840 5.499 6.253 7.111 8.095 61
47 4.146 4.723 5.375 6.147 6.995 7.940 8.991 62
48 4.616 5.233 5.980 6.844 7.795 8.865 10.035 63
49 5.138 5.820 6.632 7.588 8.672 9.893 11.227 64
50 5.723 6.446 7.328 8.395 9.624 11.023 12.531 65
51 6.338 7.129 8.122 9.337 10.772 12.397 14.169 66
52 6.966 7.877 9.027 10.452 12.134 14.064 16.185 67
53 7.598 8.647 9.964 11.572 13.470 15.686 18.135 68
54 8.255 9.486 11.024 12.871 15.057 17.628 20.441 69
55 8.950 10.359 12.113 14.198 16.644 19.552 22.656 70
56 9.689 11.304 13.302 15.648 18.399 21.697 25.300 71
57 10.498 12.309 14.528 17.128 20.178 23.825 27.960 72
58 11.395 13.397 15.851 18.748 22.146 26.226 30.806 73
59 12.391 14.616 17.362 20.651 24.568 29.217 34.441 74
60 13.497 15.918 18.921 22.597 26.991 32.198 37.949 75
61 14.723 17.394 20.753 24.915 29.958 35.806 42.415 76
62 16.085 19.000 22.679 27.312 32.862 39.344 46.761 77
63 17.542 20.775 24.907 30.083 36.360 43.676 52.244 78
64 19.109 22.718 27.299 33.121 40.186 48.411 58.206 79
65 20.920 24.887 30.000 36.502 44.407 53.599 64.541 80
66 23.040 27.444 33.121 40.318 49.059 59.285 71.152 81
67 25.638 30.524 36.768 44.640 54.224 65.512 78.405 82
68 28.838 34.245 41.031 49.557 59.939 72.285 86.266 83
69 32.657 38.607 45.940 55.067 66.183 79.627 95.256 84
70 37.050 43.609 51.466 61.143 72.982 87.553 105.249 85
71 40.550 47.837 56.549 67.300 80.451 96.648 114.939 86
72 44.376 52.575 62.413 74.551 89.424 107.433 126.935 87
73 48.460 57.685 68.751 82.420 99.164 118.013 139.875 88
74 52.066 62.097 74.144 89.025 107.015 126.566 150.356 89
75 54.914 65.632 78.501 94.398 112.688 133.563 159.010 90
76 57.242 68.384 81.762 98.161 116.612 138.295 164.695 91
77 59.590 71.166 84.948 101.942 120.586 143.062 170.418 92
78 63.280 75.449 90.023 107.675 126.957 150.723 179.492 93
79 68.677 81.849 97.649 115.650 136.521 162.104 193.253 94
80 74.173 88.390 105.398 123.772 146.137 173.714 207.271 95
227.999 96
250.798 97
275.878 98
303.466 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
MALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
------ ------ ------ ------ ------ ------ ------ ------ ------
18 0.739 0.775 0.793 0.853 0.880 0.870 0.851 0.838 0.824
19 0.707 0.750 0.808 0.809 0.822 0.810 0.797 0.782 0.783
20 0.659 0.745 0.763 0.759 0.762 0.738 0.739 0.731 0.738
21 0.616 0.690 0.725 0.728 0.736 0.724 0.758 0.776 0.820
22 0.546 0.619 0.661 0.663 0.668 0.679 0.696 0.720 0.774
23 0.492 0.553 0.599 0.599 0.617 0.629 0.651 0.686 0.733
24 0.434 0.490 0.532 0.551 0.569 0.593 0.617 0.653 0.703
25 0.394 0.441 0.492 0.512 0.548 0.581 0.608 0.648 0.703
26 0.372 0.421 0.467 0.498 0.549 0.593 0.624 0 671 0.735
27 0.371 0.410 0.459 0.506 0.561 0.616 0.663 0.719 0.792
28 0.379 0.421 0.473 0.523 0.583 0.654 0.709 0.782 0.869
29 0.402 0.447 0.497 0.552 0.628 0.709 0.782 0.869 0.974
30 0.429 0.478 0.532 0.588 0.672 0.771 0.851 0.961 1.088
31 0.446 0.505 0.559 0.629 0.715 0.828 0.928 1.045 1.195
32 0.461 0.526 0.593 0.664 0.762 0.890 1.010 1.142 1.306
33 0.463 0.540 0.614 0.702 0.820 0.962 1.097 1.243 1.418
34 0.453 0.541 0.630 0.734 0.869 1.024 1.170 1.331 1.513
35 0.458 0.563 0.671 0.798 0.943 1.121 1.280 1.459 1.660
36 0.471 0.601 0.734 0.878 1.052 1.248 1.434 1.628 1.844
37 0.503 0.652 0.807 0.978 1.175 1.396 1.596 1.818 2.059
38 0.548 0.720 0.908 1.099 1.318 1.558 1.780 2.033 2.288
39 0.603 0.813 1.022 1.233 1.469 1.742 1.988 2.255 2.544
40 0.672 0.915 1.149 1.386 1.640 1.937 2.204 2.498 2.815
41 0.742 1.017 1.290 1.548 1.829 2.145 2.427 2.750 3.109
42 0.814 1.127 1.427 1.714 2.019 2.362 2.671 3.024 3.411
43 0.886 1.232 1.567 1.875 2.210 2.587 2.919 3.293 3.695
44 0.959 1.341 1.703 2.044 2.402 2.814 3.168 3.557 3.975
45 1.041 1.451 1.846 2.226 2.616 3.057 3.433 3.838 4.281
46 1.119 1 562 1.996 2.423 2.857 3.328 3.726 4.163 4.644
47 1.198 1.693 2.173 2.640 3.133 3.641 4.065 4.539 5.100
48 1.277 1.837 2.372 2.885 3.449 4.019 4.481 4.996 5.631
49 1.364 1.991 2.585 3.158 3.797 4.441 4.963 5.527 6.202
50 1.448 2.161 2.815 3.450 4.156 4.884 5.474 6.092 6.787
51 1.536 2.334 3.063 3.752 4.517 5.331 5.981 6.657 7.356
52 1.629 2.520 3.316 4.056 4.868 5.747 6.456 7.162 7.906
53 1.728 2.705 3.565 4.346 5.203 6.118 6.845 7.603 8.440
54 1.839 2.893 3.812 4.632 5.526 6.438 7.192 8.017 8.948
55 1.954 3.098 4.081 4.938 5.838 6.767 7.549 8.418 9.465
56 2.092 3.325 4.381 5.265 6.178 7.132 7.946 8.867 9.984
57 2.260 3.597 4.717 5.643 6.571 7.570 8.429 9.383 10.521
58 2.460 3.912 5.123 6.104 7.065 8.130 9.022 9.999 11.128
59 2.688 4.278 5.597 6.638 7.671 8.801 9.722 10.703 11.857
60 2.944 4.689 6.115 7.228 8.360 9.546 10.491 11.485 12.675
61 3.244 5.119 6.653 7.856 9.078 10.322 11.299 12.313 13.565
62 3.577 5.552 7.182 8.502 9.778 11.100 12.110 13.182 14.509
63 3.943 6.044 7.760 9.150 10.456 11.827 12.884 14.028 15.440
64 4.346 6.616 8.400 9.801 11.123 12.543 13.642 14.852 16.396
65 4.784 7.200 9.057 10.435 11.809 13.293 14.442 15.774 17.471
66 5.244 7.747 9.652 11.055 12.523 14.109 15.381 16.876 18.766
67 5.741 8.196 10.129 11.652 13.272 15.052 16.511 18.242 20.473
68 6.261 8.572 10.519 12.209 14.074 16.147 17.912 20.056 22.592
69 6.812 8.927 10.868 12.748 14.919 17.399 19.667 22.225 25.113
70 7.386 9.234 11.185 13.256 15.796 18.861 21.651 24.701 27.976
71 7.922 9.902 11.980 14.181 16.965 20.238 23.223 26.473 29.958
72 8.495 10.604 12.815 15.234 18.208 21.711 24.895 28.353 32.078
73 9.085 11.330 13.749 16.327 19.506 23.241 26.621 30.312 34.262
74 9.551 11.959 14.495 17.206 20.542 24.455 28.003 31.859 35.978
75 9.901 12.382 15.005 17.799 21.229 25.263 28.906 32.857 37.075
76 10.136 12.671 15.344 18.186 21.682 25.782 29.473 33.473 37.727
77 10.363 12.945 15.664 18.558 22.107 26.264 29.999 34.033 38.326
78 10.804 13.485 16.311 19.309 22.981 27.279 31.125 35.280 39.688
79 11.521 14.375 17.372 20.547 24.433 28.972 33.029 37.399 42.031
80 12.227 15.243 18.404 21.749 25.835 30.609 34.857 39.431 44.609
[x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------- ------- -------
18 0.817 0.811 0.869 0.931 0.988 1.025 1.054 33
19 0.783 0.792 0.867 0.930 0.989 1.032 1.078 34
20 0.760 0.778 0.852 0 908 0.979 1.045 1.095 35
21 0.878 0.898 0.947 0.998 1.055 1.113 1.145 36
22 0.834 0.868 0.916 0 986 1.058 1.137 1.200 37
23 0.794 0.847 0.907 0.996 1.092 1.184 1.290 38
24 0.769 0.848 0.911 1.022 1.145 1.263 1.391 39
25 0 776 0.865 0.959 1.095 1.243 1.375 1.533 40
26 0.817 0.921 1.048 1.195 1.364 1.534 1.706 41
27 0 888 1.010 1.153 1.320 1.517 1.712 1.896 42
28 0.981 1.113 1.269 1.456 1.679 1.892 2.110 43
29 1.110 1.254 1.422 1.626 1.857 2.093 2.347 44
30 1.235 1.398 1.584 1.799 2.049 2.312 2.621 45
31 1.357 1.539 1.744 1.979 2.259 2.560 2.901 46
32 1.486 1.687 1.919 2.184 2.501 2.833 3.227 47
33 1.616 1.842 2.103 2.417 2.772 3.156 3.606 48
34 1.718 1.979 2.282 2.643 3.060 3.505 4.057 49
35 1.876 2.174 2.511 2.923 3.402 3.917 4.553 50
36 2.085 2.408 2.785 3.254 3.800 4.374 5.051 51
37 2.313 2.670 3.088 3.609 4.214 4.856 5.535 52
38 2.570 2.953 3.416 3.972 4.636 5.360 6.070 53
39 2.847 3.267 3.758 4.359 5.081 5.900 6.669 54
40 3.161 3.602 4.123 4.768 5.554 6.481 7.378 55
41 3.483 3.960 4.524 5.218 6.082 7.112 8.199 56
42 3.820 4.346 4.972 5.728 6.666 7.803 9.094 57
43 4.166 4.759 5.466 6.301 7.316 8.552 10.032 58
44 4.517 5.202 6.001 6.933 8.038 9.366 10.981 59
45 4.900 5.680 6.579 7.620 8.830 10.235 11.940 60
46 5.316 6.188 7.193 8.364 9.664 11.180 12.984 61
47 5.794 6.743 7.855 9.127 10.564 12.234 14.138 62
48 6.333 7.346 8.531 9.931 11.538 13.390 15.468 63
49 6.930 7.978 9.247 10.792 12.584 14.648 16.947 64
50 7.537 8.635 10.013 11.705 13.690 15.984 18.526 65
51 8.157 9.359 10.879 12.761 15.005 17.607 20.506 66
52 8.786 10.137 11.853 13.989 16.555 19.552 22.917 67
53 9.395 10.908 12.812 15.168 17.990 21.336 25.102 68
54 10.005 11.719 13.884 16.515 19.676 23.438 27.651 69
55 10.623 12.535 14.934 17.825 21.2__ 25.406 29.937 70
56 11.264 13.389 16.045 19.203 22.96_ 27.539 32.633 71
57 11.947 14.265 17.130 20.542 24.60_ 29.519 35.183 72
58 12.688 15.176 18.266 21.964 26.361 31.701 37.799 73
59 13.486 16.181 19.543 23.617 28.530 34.437 41.176 74
60 14.356 17.215 20.789 25.211 30.563 36.977 44.476 75
61 15.297 18.362 22.246 27.105 33.052 40.311 48.703 76
62 16.314 19.568 23.705 28.950 35.543 43.397 52.591 77
63 17.358 20.864 25.366 31.260 38.529 47.187 57.524 78
64 18.437 22.229 27.254 33.719 41.709 51.204 62.716 79
65 19.667 23.872 29.345 36.399 45.122 55.476 68.024 80
66 21.233 25.792 31.732 39.360 48.781 60.022 73.305 81
67 23.149 28.097 34.486 42.645 52.740 64.834 78.934 82
68 25.504 30.860 37.660 46.309 56.987 69.905 84.816 83
69 28.274 34.045 41.246 50.300 61.488 75.204 91.399 84
70 31.391 37.618 45.168 54.577 66.218 80.698 98.506 85
71 33.606 40.338 48.496 58.667 71.238 86.892 105.141 86
72 35.949 43.320 52.273 63.423 77.236 94.428 113.368 87
73 38.363 46.418 56.194 58.394 83.491 101.823 122.826 88
74 40.253 48.766 59.113 72.014 87.985 107.382 129.779 89
75 41.432 50.275 61.010 74.390 91.649 111.407 134.875 90
76 42.127 51.063 61.906 75.985 93.542 113.401 137.264 91
77 42.750 51.769 63.178 77.487 95.351 115.282 139.521 92
78 44.227 53.913 65.743 80.599 99.039 119.273 145.527 93
79 47.148 57.430 70.002 85.766 104.520 126.961 155.098 94
80 50.002 60.880 74.161 90.811 110.708 134.653 164.658 95
181.124 96
199.237 97
219.160 98
241.076 99
EXPEPCTED MORTALITY ASSUMPTIONS (1000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
MALE SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
------ ------ ------ ------ ------ ------ ------ ------ ------
18 0.821 0.911 0.985 1.643 1.705 1.678 1.641 1.616 1.588
19 0.785 0.882 1.555 1.558 1.592 1.562 1.537 1.508 1.509
20 0.732 1.359 1.469 1.462 1.476 1.423 1.425 1.409 1.424
21 1.060 1.257 1.396 1.402 1.426 1.396 1.462 1.497 1.581
22 0.941 1.128 1.272 1.275 1.294 1.309 1.342 1.389 1.493
23 0.847 1.009 1.153 1.153 1.196 1.212 1.256 1.322 1.412
24 0.747 0.894 1.023 1.061 1.103 1.144 1.190 1.260 1.355
25 0.679 0.803 0.946 0.985 1.062 1.120 1.172 1.248 1.355
26 0.640 0.768 0.898 0.958 1.064 1.143 1.204 1.294 1.417
27 0.639 0.747 0.884 0.973 1.087 1.188 1.277 1.385 1.527
28 0.653 0.768 0.911 1.007 1.130 1.261 1.367 1.507 1.675
29 0.693 0.816 0.957 1.063 1.216 1.367 1.507 1.675 1.877
30 0.738 0.871 1.024 1.132 1.302 1.487 1.640 1.852 2.097
31 0.768 0.922 1.077 1.211 1.386 1.596 1.790 2.015 2.303
32 0.794 0.958 1.141 1.277 1.476 1.715 1.947 2.201 2.518
33 0.797 0.984 1.183 1.351 1.589 1.854 2.114 2.396 2.734
34 0.779 0.987 1.214 1.413 1.683 1.974 2.255 2.566 2.918
35 0.790 1.027 1.291 1.536 1.826 2.162 2.467 2.813 3.200
36 0.812 1.097 1.413 1.689 2.038 2.407 2.764 3.139 3.555
37 0.867 1.190 1.554 1.883 2.276 2.691 3.078 3.505 3.970
38 0.943 1.312 1.747 2.115 2.553 3.004 3.432 3.920 4.410
39 1.038 1.483 1.966 2.373 2.846 3.358 3.833 4.348 4.904
40 1.157 1.668 2.211 2.669 3.178 3.734 4.248 4.816 5.427
41 1.279 1.855 2.483 2.980 3.544 4.136 4.679 5.301 5.994
42 1.402 2.056 2.746 3.300 3.911 4.554 5.150 5.829 6.576
43 1.526 2.247 3.017 3.610 4.281 4.987 5.628 6.348 7.124
44 1.652 2.445 3.278 3.934 4.654 5.426 6.108 6.858 7.664
45 1.793 2.646 3.553 4.284 5.069 5.893 6.618 7.398 8.254
46 1.927 2.849 3.843 4.663 5.536 6.415 7.183 8.026 8.954
47 2.063 3.086 4.183 5.082 6.070 7.019 7.837 8.751 9.833
48 2.200 3.350 4.565 5.554 6.683 7.748 8.638 9.631 10.856
49 2.349 3.630 4.977 6.079 7.357 8.562 9.568 10.655 11.957
50 2.494 3.940 5.419 6.640 8.053 9.417 10.554 11.744 13.085
51 2.646 4.257 5.896 7.222 8.751 10.277 11.531 12.834 14.181
52 2.806 4.596 6.382 7.808 9.432 11.079 12.446 13.807 15.241
53 2.976 4.933 6.862 8.365 10.080 11.795 13.197 14.658 16.271
54 3.167 5.276 7.337 8.916 10.707 12.412 13.864 15.455 17.251
55 3.364 5.649 7.855 9.504 11.312 13.046 14.553 16.229 18.247
56 3.603 6.064 8.434 10.134 11.970 13.750 15.319 17.095 19.247
57 3.893 6.559 9.080 10.862 12.732 14.593 16.249 18.088 20.283
58 4.236 7.133 9.861 11.748 13.688 15.673 17.393 19.276 21.453
59 4.629 7.802 10.774 12.776 14.863 16.966 18.743 20.634 22.859
60 5.070 8.550 11.771 13.912 16.197 18.403 20.225 22.141 24.436
61 5.587 9.335 12.806 15.121 17.588 19.899 21.783 23.737 26.152
62 6.160 10.125 13.824 16.365 18.944 21.400 23.346 25.413 27.971
63 6.791 11.021 14.936 17.611 20.259 22.802 24.838 27.043 29.766
64 7.485 12.064 16.170 18.865 21.550 24.182 26.301 28.632 31.609
65 8.239 13.129 17.434 20.086 22.880 25.628 27.841 30.410 33.682
66 9.031 14.128 18.578 21.279 24.263 27.200 29.652 32.534 36.179
67 9.888 14.946 19.497 22.429 25.715 29.019 31.832 35.169 39.468
68 10.783 15.631 20.246 23.499 27.268 31.129 34.532 38.665 43.554
69 11.733 16.278 20.920 24.538 28.905 33.543 37.915 42.846 48.415
70 12.721 16.839 21.530 25.516 30.606 36.362 41.741 47.621 53.933
71 13.644 18.056 23.059 27.296 32.869 39.015 44.770 51.037 57.754
72 14.630 19.336 24.666 29.323 35.278 41.856 47.994 54.661 61.841
73 15.647 20.660 26.465 31.427 37.793 44.805 51.321 58.437 66.053
74 16.450 21.808 27.900 33.119 39.801 47.146 53.987 61.420 69.360
75 17.051 22.579 28.881 34.260 41.132 48.703 55.726 63.345 71.475
76 17.456 23.106 29.534 35.005 42.009 49.704 56.820 64.531 72.733
77 17.848 23.606 30.150 35.722 42.832 50.634 57.834 65.612 73.888
78 18.608 24.591 31.396 37.166 44.525 52.589 60.004 68.015 76.513
79 19.843 26.213 33.439 39.549 47.339 55.854 63.675 72.099 81.030
80 21.058 27.796 35.426 41.863 50.056 59.009 67.199 76.018 86.000
[x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+11 ULT
------ ------- ------- ------- ------- ------- -------
18 1.575 1.507 1.556 1.607 1.645 1.646 1.632 33
19 1.510 1.471 1.553 1.605 1.646 1.657 1.669 34
20 1.466 1.445 1.527 1.568 1.630 1.677 1.694 35
21 1.693 1.669 1.696 1.724 1.756 1.786 1.773 36
22 1.607 1.613 1.641 1.702 1.762 1.825 1.858 37
23 1.531 1.574 1.624 1.719 1.819 1.901 1.997 38
24 1.482 1.576 1.632 1.765 1.906 2.027 2.153 39
25 1.496 1.607 1.717 1.891 2.069 2.207 2.373 40
26 1.575 1.712 1.876 2.063 2.271 2.462 2.641 41
27 1.711 1.876 2.065 2.280 2.526 2.748 2.935 42
28 1.891 2.067 2.273 2.515 2.795 3.037 3.265 43
29 2.139 2.329 2.547 2.807 3.091 3.360 3.633 44
30 2.380 2.598 2.838 3.106 3.411 3.711 4.056 45
31 2.615 2.859 3.123 3.418 3.761 4.109 4.490 46
32 2.865 3.134 3.438 3.771 4.163 4.547 4.994 47
33 3.115 3.423 3.767 4.174 4.615 5.066 5.582 48
34 3.311 3.677 4.087 4.564 5.093 5.627 6.280 49
35 3.616 4.040 4.497 5.048 5.664 6.287 7.047 50
36 4.020 4.474 4.988 5.618 6.327 7.022 7.817 51
37 4.460 4.960 5.531 6.232 7.015 7.794 8.567 52
38 4.954 5.487 6.118 6.859 7.718 8.604 9.396 53
39 5.489 6.071 6.731 7.526 8.459 9.471 10.323 54
40 6.094 6.693 7.384 8.232 9.247 10.403 11.420 55
41 6.715 7.358 8.102 9.009 10.124 11.415 12.691 56
42 7.364 8.075 8.905 9.890 11.097 12.525 14.075 57
43 8.031 8.842 9.789 10.880 12.180 13.727 15.528 58
44 8.709 9.666 10.747 11.971 13.381 15.034 16.996 59
45 9.446 10.555 11.784 13.158 14.700 16.429 18.482 60
46 10.249 11.498 12.883 14.441 16.087 17.945 20.097 61
47 11.170 12.530 14.068 15.760 17.587 19.638 21.883 62
48 12.208 13.650 15.279 17.147 19.208 21.493 23.941 63
49 13.360 14.823 16.561 18.634 20.949 23.512 26.231 64
50 14.530 16.044 17.934 20.210 22.790 25.657 28.675 65
51 15.725 17.390 19.485 22.033 24.980 28.262 31.739 66
52 16.938 18.835 21.229 24.153 27.560 31.384 35.472 67
53 18.112 20.268 22.947 26.190 29.949 34.249 38.853 68
54 19.288 21.775 24.868 28.517 32.756 37.622 42.798 69
55 20.479 23.291 26.747 30.777 35.391 40.781 46.336 70
56 21.715 24.878 23.738 33.156 38.23_ 44.205 50.510 71
57 23.031 26.505 30.680 35.469 40.962 47.384 54.456 72
58 24.461 28.198 32.715 37.925 43.885 50.886 58.506 73
59 26.000 30.066 35.002 40.779 47.495 55.278 63.732 74
60 27.676 31.986 37.234 43.530 50.881 59.355 68.840 75
61 29.491 34.118 39.843 46.801 55.023 64.707 75.384 76
62 31.450 36.358 42.457 49.987 59.170 69.661 81.401 77
63 33.463 38.766 45.431 53.975 64.141 75.743 89.037 78
64 35.544 41.302 48.813 58.222 69.436 82.191 97.072 79
65 37.915 44.355 52.558 62.848 75.118 89.049 105.289 80
66 40.935 47.922 56.834 67.961 81.208 96.346 113.462 81
67 44.627 52.206 61.766 73.633 87.800 104.071 122.175 82
68 49.168 57.339 67.451 79.960 94.870 112.211 131.279 83
69 54.508 63.258 73.873 86.851 102.362 120.716 141.469 84
70 60.517 69.896 80.897 94.235 110.237 129.536 152.470 85
71 64.788 74.947 86.858 101.298 118.594 139.477 163.086 86
72 69.305 80.491 93.623 109.509 128.580 151.575 176.249 87
73 73.958 86.248 100.646 118.093 138.993 163.059 191.381 88
74 77.602 90.609 105.874 124.343 146.473 172.284 202.506 89
75 79.875 93.414 109.272 128.446 152.563 178.961 210.659 90
76 81.214 94.879 110.876 131.200 155.399 182.270 214.483 91
77 82.416 96.190 113.154 133.793 158.109 185.392 218.093 92
78 85.263 100.173 117.749 139.167 163.753 192.014 227.703 93
79 90.895 106.708 125.377 148.089 173.186 204.771 243.017 94
80 96.396 113.119 132.826 156.366 183.835 217.534 258.313 95
284.144 96
312.559 97
343.815 98
378.196 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
FEMALE PREFERRED NONSMOKER
[x] [x]+l [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
----- ----- ----- ------ ------ ------ ------ ------ ------
0 0.402 0.254 0.211 0.172 0.161 0.147 0.136 0.122 0.112
1 0.402 0.254 0.211 0.172 0.161 0.147 0.136 0.122 0.112
2 0.254 0.197 0.172 0.156 0.141 0.136 0.122 0.112 0.108
3 0.197 0.160 0.156 0.136 0.131 0.122 0.112 0.108 0.108
4 0.160 0.145 0.136 0.126 0.117 0.112 0.108 0.108 0.115
5 0.145 0.127 0.126 0.113 0.107 0.108 0.108 0.115 0.147
6 0.127 0.118 0.113 0.104 0.104 0.108 0.115 0.147 0.182
7 0.118 0.106 0.104 0.100 0.104 0.115 0.147 0.182 0.234
8 0.106 0.097 0.100 0.100 0.111 0.147 0.182 0.234 0.283
9 0.097 0.094 0.100 0.107 0.141 0.182 0.234 0.283 0.332
10 0.094 0.094 0.107 0.136 0.174 0.234 0.283 0.332 0.374
11 0.094 0.100 0.136 0.168 0.224 0.283 0.332 0.374 0.405
12 0.100 0.127 0.168 0.217 0.271 0.332 0.374 0.405 0.416
13 0.127 0.157 0.217 0.262 0.318 0.374 0.405 0.416 0.309
14 0.157 0.203 0.262 0.308 0.358 0.405 0.416 0.309 0.296
15 0.200 0.242 0.301 0.337 0.375 0.409 0.309 0.296 0.287
16 0.242 0.281 0.324 0.347 0.375 0.303 0.296 0.287 0.278
17 0.284 0.305 0.340 0.352 0.287 0.292 0.285 0.278 0.272
18 0.290 0.308 0.342 0.268 0.280 0.279 0.272 0.267 0.263
19 0.283 0.304 0.255 0.255 0.262 0.260 0.256 0.251 0.249
20 0.269 0.221 0.242 0.240 0.244 0.239 0.240 0.235 0.237
21 0.194 0.214 0.237 0.234 0.236 0.232 0.237 0.238 0.244
22 0.185 0.206 0.232 0.229 0.230 0.231 0.233 0.234 0.242
23 0.181 0.200 0.228 0.225 0.229 0.232 0.233 0.237 0.246
24 0.174 0.193 0.222 0.224 0.230 0.236 0.236 0.243 0.255
25 0.169 0.186 0.217 0.222 0.233 0.241 0.245 0.255 0.271
26 0.161 0.178 0.207 0.214 0.231 0.245 0.252 0.266 0.285
27 0.161 0.175 0.204 0.216 0.236 0.256 0.270 0.287 0.313
28 0.164 0.177 0.205 0.220 0.243 0.270 0.287 0.313 0.345
29 0.169 0.181 0.209 0.227 0.256 0.287 0.313 0.345 0.382
30 0.175 0.190 0.221 0.240 0.273 0.313 0.342 0.382 0.427
31 0.179 0.198 0.231 0.254 0.290 0.337 0.373 0.415 0.469
32 0.180 0.201 0.239 0.264 0.305 0.356 0.399 0.446 0.504
33 0.176 0.202 0.243 0.275 0.322 0.378 0.426 0.477 0.537
34 0.171 0.202 0.250 0.287 0.340 0.402 0.453 0.509 0.573
35 0.171 0.208 0.262 0.307 0.365 0.433 0.488 0.551 0.621
36 0.171 0.215 0.278 0.329 0.394 0.468 0.532 0.598 0.671
37 0.177 0.226 0.297 0.355 0.427 0.508 0.576 0.650 0.730
38 0.190 0.247 0.329 0.394 0.474 0.562 0.636 0.721 0.812
39 0.207 0.275 0.366 0.437 0.523 0.622 0.705 0.800 0.905
40 0.223 0.300 0.400 0.478 0.568 0.674 0.767 0.872 0.984
41 0.239 0.324 0.436 0.519 0.617 0.733 0.831 0.943 1.068
42 0.259 0.356 0.478 0.570 0.681 0.808 0.916 1.039 1.178
43 0.274 0.378 0.511 0.612 0.733 0.870 0.983 1.115 1.262
44 0.288 0.400 0.545 0.655 0.782 0.929 1.051 1.190 1.347
45 0.304 0.424 0.579 0.700 0.836 0.993 1.125 1.274 1.441
46 0.320 0.448 0.615 0.747 0.898 1.068 1.211 1.373 1.554
47 0.336 0.476 0.656 0.801 0.972 1.159 1.312 1.487 1.702
48 0.351 0.506 0.704 0.864 1.061 1.269 1.436 1.631 1.876
49 0.368 0.539 0.757 0.937 1.158 1.391 1.585 1.800 2.063
50 0.383 0.577 0.816 1.014 1.258 1.524 1.742 1.980 2.251
51 0.410 0.632 0.900 1.120 1.393 1.697 1.944 2.208 2.498
52 0.441 0.691 0.989 1.233 1.531 1.868 2.141 2.432 2.748
53 0.474 0.753 1.084 1.348 1.671 2.029 2.324 2.642 2.992
54 0.512 0.821 1.182 1.467 1.811 2.186 2.499 2.842 3.235
55 0.554 0.897 1.292 1.596 1.959 2.352 2.676 3.043 3.489
56 0.606 0.983 1.416 1.742 2.122 2.528 2.873 3.268 3.755
57 0.668 1.085 1.561 1.911 2.302 2.737 3.107 3.529 4.042
58 0.742 1.208 1.735 2.108 2.524 2.997 3.393 3.841 4.368
59 0.830 1.352 1.934 2.338 2.794 3.310 3.735 4.202 4.755
60 0.931 1.512 2.154 2.596 3.107 3.667 4.118 4.606 5.200
61 1.046 1.683 2.390 2.879 3.446 4.052 4.532 5.051 5.693
62 1.176 1.861 2.632 3.183 3.793 4.452 4.968 5.532 6.225
63 1.322 2.067 2.905 3.500 4.145 4.852 5.407 6.019 6.777
64 1.487 2.312 3.213 3.830 4.509 5.264 5.854 6.519 7.358
65 1.671 2.570 3.540 4.171 4.898 5.704 6.339 7.079 8.018
66 1.872 2.826 3.858 4.521 5.310 6.193 6.903 7.744 8.804
67 2.094 3.058 4.142 4.872 5.758 6.755 7.577 8.558 9.764
68 2.336 3.272 4.398 5.222 6.242 7.410 8.403 9.565 10.962
69 2.600 3.484 4.649 5.575 6.766 8.163 9.380 10.784 12.392
70 2.883 3.686 4.892 5.928 7.324 8.996 10.506 12.189 14.048
71 3.163 4.041 5.357 6.483 7.996 9.820 11.459 13.294 15.319
72 3.467 4.426 5.859 7.080 8.732 10.713 12.501 14.498 16.704
73 3.792 4.834 6.390 7.720 9.513 11.670 13.612 15.785 18.175
74 4.076 5.188 6.854 8.274 10.195 12.505 14.582 16.900 19.455
75 4.295 5.464 7.215 8.710 10.729 13.155 15.334 17.768 20.452
76 4.473 5.687 7.508 9.062 11.158 13.677 15.938 18.465 21.247
77 4.651 5.912 7.805 9.417 11.590 14.203 16.549 19.167 22.050
78 4.934 6.272 8.277 9.981 12.281 15.048 17.529 20.298 23.349
79 5.358 6.808 8.980 10.827 13.321 16.317 19.002 22.002 25.306
80 5.791 7.354 9.698 11.692 14.380 17.610 20.507 23.741 27.290
[x]+9 [x]+10 [x]+ll [x]+l2 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------ ------ -------
0 0.108 0.108 0.115 0.147 0.182 0.234 0.283 15
1 0.108 0.108 0.115 0.147 0.182 0.234 0.283 16
2 0.108 0.115 0.147 0.182 0.234 0.283 0.332 17
3 0.115 0.147 0.182 0.234 0.283 0.332 0.374 18
4 0.147 0.182 0.234 0.283 0.332 0.374 0.405 19
5 0.182 0.234 0.283 0.332 0.374 0.405 0.416 20
6 0.234 0.283 0.332 0.374 0.405 0.416 0.326 21
7 0.283 0.332 0.374 0.405 0.416 0.323 0.313 22
8 0.332 0.374 0.405 0.416 0.320 0.310 0.303 23
9 0.374 0.405 0.416 0.317 0.307 0.300 0.296 24
10 0.405 0.416 0.314 0.304 0.297 0.293 0.287 25
11 0.416 0.311 0.302 0.295 0.291 0.284 0.280 26
12 0.309 0.299 0.292 0.288 0.282 0.278 0.268 27
13 0.296 0.289 0.286 0.279 0.275 0.266 0.276 28
14 0.287 0.283 0.277 0.273 0.264 0.274 0.281 29
15 0.278 0.274 0.271 0.261 0.272 0.279 0.287 30
16 0.272 0.266 0.259 0.269 0.276 0.285 0.293 31
17 0.265 0.258 0.268 0.275 0.283 0.291 0.293 32
18 0.259 0.253 0.264 0.275 0.285 0.291 0.296 33
19 0.249 0.245 0.260 0.273 0.285 0.294 0.304 34
20 0.241 0.239 0.256 0.269 0.287 0.303 0.318 35
21 0.252 0.255 0.269 0.285 0.304 0.327 0.345 36
22 0.253 0.262 0.276 0.298 0.324 0.354 0.381 37
23 0.260 0.274 0.290 0.318 0.350 0.380 0.416 38
24 0.274 0.296 0.315 0.350 0.389 0.425 0.466 39
25 0.294 0.322 0.351 0.394 0.439 0.479 0.526 40
26 0.314 0.347 0.386 0.430 0.482 0.530 0.577 41
27 0.348 0.385 0.428 0.478 0.535 0.588 0.635 42
28 0.385 0.424 0.471 0.525 0.587 0.644 0.700 43
29 0.430 0.473 0.521 0.578 0.643 0.706 0.772 44
30 0.480 0.527 0.578 0.638 0.706 0.775 0.855 45
31 0.526 0.577 0.635 0.699 0.775 0.853 0.948 46
32 0.566 0.622 0.685 0.756 0.839 0.929 1.036 47
33 0.606 0.670 0.742 0.827 0.929 1.036 1.160 48
34 0.644 0.719 0.803 0.909 1.030 1.155 1.308 49
35 0.696 0.779 0.877 0.996 1.132 1.271 1.446 50
36 0.753 0.848 0.956 1.090 1.24_ 1.398 1.585 51
37 0.821 0.924 1.042 1.188 1.366 1.534 1.724 52
38 0.914 1.021 1.147 1.301 1.4__ 1.686 1.878 53
39 1.015 1.131 1.269 1.439 1.649 1.882 2.094 54
40 1.107 1.230 1.376 1.563 1.790 2.055 2.311 55
41 1.202 1.341 1.509 1.717 1.976 2.290 2.619 56
42 1.330 1.491 1.682 1.914 2.207 2.563 2.967 57
43 1.441 1.628 1.852 2.123 2.454 2.858 3.339 58
44 1.553 1.776 2.044 2.358 2.733 3.183 3.742 59
45 1.675 1.943 2.254 2.619 3.042 3.548 4.165 60
46 1.813 2.121 2.481 2.901 3.384 3.953 4.620 61
47 1.973 2.310 2.705 3.172 3.705 4.317 5.019 62
48 2.154 2.511 2.942 3.455 4.037 4.712 5.474 63
49 2.352 2.730 3.191 3.744 4.389 5.136 5.980 64
50 2.559 2.967 3.471 4.093 4.830 5.696 6.678 65
51 2.835 3.272 3.826 4.515 5.347 6.328 7.438 66
52 3.114 3.596 4.207 4.974 5.906 7.004 8.244 67
53 3.397 3.935 4.617 5.468 6.494 7.713 9.101 68
54 3.688 4.292 5.060 5.995 7.116 8.460 9.967 69
55 3.995 4.677 5.534 6.562 7.789 9.271 10.880 70
56 4.327 5.092 6.044 7.178 8.527 10.156 11.967 71
57 4.690 5.543 6.600 7.855 9.340 11.136 13.191 72
58 5.089 6.031 7.200 8.588 10.237 12.227 14.492 73
59 5.532 6.562 7.837 9.378 11.220 13.426 15.921 74
60 6.025 7.138 8.529 10.236 12.292 14.738 17.482 75
61 6.564 7.799 9.357 11.302 13.671 16.461 19.664 76
62 7.161 8.531 10.275 12.483 15.174 18.372 22.084 77
63 7.790 9.349 11.356 13.915 17.079 20.836 25.336 78
64 8.461 10.196 12.437 15.332 18.903 23.162 28.354 79
65 9.227 11.189 13.760 17.080 21.215 26.166 32.206 80
66 10.127 12.315 15.171 18.865 23.470 29.004 35.605 81
67 11.232 13.711 16.942 21.111 26.317 32.631 40.108 82
68 12.585 15.344 18.886 23.427 29.098 36.060 44.241 83
69 14.198 17.324 21.264 26.276 32.566 40.409 49.859 84
70 16.052 19.589 23.942 29.450 36.384 45.163 56.170 85
71 17.500 21.501 26.444 32.713 40.614 50.642 61.521 86
72 19.070 23.680 29.401 36.664 45.852 57.213 68.357 87
73 20.745 26.038 32.615 40.991 51.611 62.974 75.896 88
74 22.206 28.057 35.348 44.652 56.394 67.777 82.180 89
75 23.334 29.687 37.618 47.746 59.517 71.937 87.684 90
76 24.237 30.832 39.064 49.553 61.239 74.126 90.451 91
77 25.150 31.991 40.507 51.373 62.984 76.332 93.252 92
78 26.628 33.850 42.853 54.348 65.826 79.943 97.798 93
79 28.843 36.658 46.408 58.190 70.136 85.385 104.698 94
80 31.098 39.524 50.025 61.656 74.501 90.923 111.729 95
122.902 96
135.192 97
148.712 98
163.583 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
FEMALE NONSMOKER
[x] [x]+l [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
------ ------ ------ ------ ------ ------ ------ ------ ------
0 0.543 0.339 0.259 0.209 0.187 0.161 0.150 0.134 0.123
1 0.543 0.339 0.259 0.209 0.187 0.161 0.150 0.134 0.123
2 0.343 0.262 0.211 0.189 0.163 0.150 0.134 0.123 0.119
3 0.265 0.214 0.191 0.165 0.152 0.134 0.123 0.119 0.119
4 0.216 0.194 0.167 0.154 0.136 0.123 0.119 0.119 0.127
5 0.196 0.169 0.155 0.138 0.124 0.119 0.119 0.127 0.161
6 0.171 0.157 0.139 0.126 0.121 0.119 0.127 0.161 0.200
7 0.159 0.141 0.127 0.122 0.121 0.127 0.161 0.200 0.257
8 0.143 0.129 0.124 0.122 0.128 0.161 0.200 0.257 0.311
9 0.131 0.125 0.124 0.130 0.163 0.200 0.257 0.311 0.365
10 0.126 0.125 0.131 0.165 0.202 0.257 0.311 0.365 0.411
11 0.126 0.133 0.167 0.205 0.260 0.311 0.365 0.411 0.445
12 0.135 0.169 0.207 0.264 0.315 0.365 0.411 0.445 0.457
13 0.171 0.210 0.267 0.319 0.369 0.411 0.445 0.457 0.490
14 0.212 0.270 0.323 0.374 0.416 0.445 0.457 0.490 0.470
15 0.269 0.323 0.371 0.409 0.435 0.449 0.490 0.470 0.455
16 0.326 0.375 0.398 0.421 0.435 0.481 O.470 0.455 0.441
17 0.383 0.407 0.418 0.428 0.482 0.464 0.453 0.442 0.431
18 0.391 0.411 0.421 0.470 0.469 0.443 0.431 0.424 0.418
19 0.381 0.405 0.453 0.448 0.439 0.413 0.406 0.399 0.395
20 0.362 0.425 0.430 0.421 0.409 0.379 0.381 0.373 0.376
21 0.379 0.413 0.421 0.411 0.396 0.368 0.376 0.378 0.387
22 0.361 0.397 0.411 0.401 0.386 0.367 0.369 0.371 0.384
23 0.353 0.385 0.405 0.395 0.385 0.369 0.371 0.376 0.390
24 0.338 0.372 0.394 0.393 0.386 0.374 0.375 0.385 0.405
25 0.329 0.358 0.385 0.389 0.391 0.383 0.389 0.405 0.431
26 0.314 0.342 0.368 0.376 0.388 0.389 0.400 0.422 0.453
27 0.314 0.336 0.362 0.379 0.395 0.407 0.429 0.456 0.497
28 0.319 0.340 0.364 0.386 0.407 0.429 0.456 0.497 0.547
29 0.329 0.348 0.371 0.398 0.429 0.456 0.497 0.547 0.606
30 0.342 0.366 0.393 0.421 0.457 0.497 0.543 0.606 0.678
31 0.349 0.382 0.410 0.446 0.487 0.534 0.592 0.658 0.745
32 0.351 0.388 0.424 0.464 0.511 0.565 0.633 0.709 0.800
33 0.344 0.388 0.432 0.483 0.540 0.599 0.677 0.757 0.853
34 0.333 0.389 0.443 0.504 0.570 0.638 0.720 0.808 0.909
35 0.332 0.400 0.465 0.539 0.611 0.688 0.775 0.874 0.986
36 0.332 0.414 0.493 0.577 0.661 0 742 0.844 0.949 1.066
37 0.344 0.435 0.527 0.623 0.715 0.806 0.914 1.031 1.159
38 0.370 0.475 0.585 0.691 0.794 0.892 1.010 1.144 1.289
39 0.403 0.531 0.650 0.767 0.877 0.988 1.119 1.271 1.436
40 0.435 0.578 0.710 0.839 0.953 1.069 1.218 1.384 1.562
41 0.465 0.624 0.775 0.910 1.034 1.163 1.318 1.497 1.695
42 0.505 0.685 0.849 1.000 1.142 1.283 1.454 1.649 1.869
43 0.534 0.728 0.907 1.074 1.228 1.380 1.561 1.769 2.002
44 0.562 0.770 0.967 1.149 1.311 1.475 1.668 1.889 2.139
45 0.592 0.817 1.029 1.228 1.401 1.577 1.786 2.023 2.288
46 0.624 0.863 1.092 1.311 1.506 1.695 1.923 2.179 2.467
47 0.655 0.917 1.166 1.406 1.630 1.839 2.082 2.360 2.702
48 0.685 0.975 1.250 1.516 1.779 2.014 2.279 2.589 2.977
49 0.716 1.039 1.344 1.644 1.941 2.209 2.515 2.857 3.274
50 0.747 1.111 1.449 1.779 2.108 2.419 2.766 3.143 3.573
51 0.800 1.216 1.599 1.964 2.335 2.693 3.086 3.504 3.964
52 0.859 1.332 1.757 2.164 2.567 2.965 3.398 3.860 4.361
53 0.924 1.451 1.925 2.365 2.801 3.221 3.689 4.194 4.749
54 0.998 1.581 2.100 2.574 3.036 3.470 3.967 4.511 5.135
55 1.080 1.727 2.296 2.800 3.284 3.733 4.248 4.831 5.537
56 1.180 1.893 2.515 3.057 3.557 4.013 4.560 5.188 5.960
57 1.302 2.089 2.772 3.354 3.859 4.344 4.931 5.601 6.415
58 1.446 2.326 3.082 3.700 4.231 4.756 5.386 6.097 6.934
59 1.618 2.604 3.434 4.103 4.684 5.254 5.928 6.669 7.548
60 1.814 2.911 3.827 4.555 5.209 5.821 6.537 7.311 8.253
61 2.038 3.242 4.244 5.052 5.777 6.432 7.193 8.017 9.036
62 2.292 3.585 4.675 5.585 6.358 7.067 7.885 8.781 9.882
63 2.576 3.982 5.159 6.142 6.947 7.701 8.582 9.554 10.757
64 2.897 4.452 5.708 6.721 7.559 8.355 9.291 10.347 11.679
65 3.257 4.951 6.287 7.320 8.210 9.054 10.062 11.236 12.726
66 3.649 5.443 6.853 7.933 8.901 9.830 10.956 12.292 13.975
67 4.081 5.889 7.357 8.549 9.651 10.722 12.027 13.585 15.499
68 4.552 6.301 7.811 9.163 10.463 11.762 13.339 15.183 17.400
69 5.067 6.709 8.257 9.783 11.341 12.957 14.889 17.117 19.670
70 5.618 7.100 8.688 10.402 12.277 14.279 16.676 19.348 22.298
71 6.164 7.784 9.515 11.376 13.404 15.587 18.189 21.101 24.316
72 6.757 8.524 10.406 12.424 14.636 17.006 19.843 23.013 26.514
73 7.390 9.310 11.350 13.547 15.945 18.524 21.607 25.055 28.350
74 7.943 9.991 12.173 14.518 17.088 19.849 23.147 26.826 30.881
75 8.370 10.524 12.815 15.283 17.983 20.881 24.339 28.203 32.464
76 8.717 10.952 13.335 15.901 18.704 21.709 25.298 29.310 33.726
77 9.064 11.387 13.863 16.525 19.427 22.544 26.268 30.424 35.001
78 9.617 12.079 14.701 17.514 20.586 23.886 27.824 32.219 37.062
79 10.443 13.112 15.950 18.999 22.329 25.900 30.163 34.924 40.169
80 11.286 14.164 17.225 20.516 24.104 27.953 32.550 37.684 43.317
[x]+9 [x]+10 [x]+ll [x]+l2 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------- ------- -------
0 0.119 0.119 0.127 0.161 0.200 0.257 0.311 15
1 0.119 0.119 0.127 0.161 0.200 0.257 0.311 16
2 0.119 0.127 0.161 0.200 0.257 0.311 0.365 17
3 0.127 0.161 0.200 0.257 0.311 0.365 0.411 18
4 0 161 0.200 0.257 0.311 0.365 0.411 0.445 19
5 0.200 0.257 0.311 0.365 0.411 0.445 0.457 20
6 0.257 0.311 0.365 0.411 0.445 0.457 0.433 21
7 0.311 0.365 0.411 0.445 0.457 0.443 0.416 22
8 0.365 0.411 0.445 0.457 0.452 0.425 0.403 23
9 0.411 0.445 0.457 0.462 0.434 0.411 0.394 24
10 0.445 0.457 0.471 0.443 0.420 0.402 0.381 25
11 0.457 0.480 0.452 0.429 0.411 0.390 0.373 26
12 0.490 0.461 0.438 0.419 0.398 0.381 0.357 27
13 0.470 0.446 0.428 0.406 0.389 0.365 0.368 28
14 0.455 0.436 0.415 0.397 0.373 0.376 0.374 29
15 0.441 0.423 0.405 0.380 0.384 0.382 0.382 30
16 0.431 0.410 0.388 0.392 0.390 0.390 0.390 31
17 0.421 0.399 0.402 0.400 0.400 0.399 0.390 32
18 0.410 0.391 0.396 0.400 0.403 0.399 0.393 33
19 0.395 0.378 0.390 0.397 0.403 0.404 0.405 34
20 0.383 0.369 0.384 0.391 0.405 0.416 0.423 35
21 0.399 0.393 0.403 0.415 0.429 0.448 0.459 36
22 0.401 0.404 0.413 0.433 0.457 0.485 0.506 37
23 0.413 0.422 0.435 0.463 0.495 0.521 0.553 38
24 0.434 0.456 0.472 0.510 0.550 0.583 0.620 39
25 0.466 0.497 0.526 0.573 0.621 0.657 0.699 40
26 0.498 0.535 0.578 0.626 0.681 0.727 0.768 41
27 0.552 0.594 0.641 0.696 0.756 0.806 0.845 42
28 0.611 0.654 0.705 0.764 0.830 0.884 0.931 43
29 0.682 0.729 0.780 0.842 0.908 0.969 1.027 44
30 0.761 0.812 0.866 0.928 0.998 1.063 1.138 45
31 0.835 0.891 0.951 1.018 1.095 1.170 1.261 46
32 0 899 0.959 1.027 1.100 1.185 1.274 1.378 47
33 0.962 1.033 1.111 1.204 1.312 1.421 1.544 48
34 1.023 1.108 1.203 1.323 1.455 1.583 1.740 49
35 1.104 1.202 1.314 1.450 1.599 1.743 1.923 50
36 1.195 1.307 1.433 1.586 1.7__ 1 917 2.109 51
37 1.303 1.425 1.562 1.728 2.___ 1.104 2.294 52
38 1.451 1.575 1.719 1.893 2.___ 2.313 2.498 53
39 1.611 1.745 1.901 2.095 2.329 2.581 2.786 54
40 1.758 1.897 2.062 2.275 2.529 2.818 3.074 55
41 1.909 2.069 2.262 2.499 2.792 3.140 3.484 56
42 2.111 2.300 2.521 2.785 3.118 3.514 3.946 57
43 2.287 2.511 2.775 3.090 3.467 3.919 4.442 58
44 2.464 2.740 3.062 3.431 3.862 4.364 4.978 59
45 2.658 2.996 3.377 3.811 4.298 4.865 5.541 60
46 2.878 3.271 3.717 4.222 4.782 5.420 6.145 61
47 3.131 3.563 4.053 4.616 5.235 5.919 6.576 62
48 3.419 3.874 4.409 5.028 5.703 5.460 7.281 63
49 3.733 4.211 4.782 5.448 6.201 7.042 7.955 64
50 4.062 4.577 5.201 5.957 6.824 7.811 8.883 65
51 4.500 5.046 5.733 6.571 7.555 8.677 9.895 66
52 4.944 5.546 6.304 7.239 8.345 9.603 10.966 67
53 5.391 6.069 6.919 7.958 9.175 10.576 12.107 68
54 5.854 6.620 7.582 8.724 10.054 11.600 13.259 69
55 6.342 7.214 8.292 9.550 11.005 12.712 14.474 70
56 6.868 7.855 9.057 10.446 12.048 13.925 15.919 71
57 7.444 8.549 9.890 11.432 13.196 15.269 17.547 72
58 8.077 9.303 10.789 12.498 14.463 16.765 19.277 73
59 8.781 10.122 11.744 13.648 15.353 18.410 21.179 74
60 9.563 11.010 12.780 14.896 17.366 20.209 23.256 75
61 10.419 12.030 14.022 16.448 19.316 22.571 26.158 76
62 11.366 13.158 15.396 18.167 21.439 25.191 29.378 77
63 12.365 14.421 17.017 20.251 24.131 28.570 33.703 78
64 13.430 15.728 18.637 22.312 26.707 31.759 37.718 79
65 14.645 17.259 20.620 24.857 29.974 35.879 42.841 80
66 16.075 18.995 22.733 27.455 33.160 39.770 47.364 81
67 17.829 21.150 25.387 30.723 37.183 44.743 53.353 82
68 19.976 23.669 28.300 34.093 41.112 49.445 58.852 83
69 22.536 26.722 31.863 38.240 46.012 55.409 66.325 84
70 25.479 30.216 35.877 42.859 51.405 61.928 74.720 85
71 27.778 33.165 39.627 47.608 57.382 69.441 82.964 86
72 30.270 36.527 44.057 53.357 64.783 78.389 93.496 87
73 32.929 40.163 48.873 59.654 72.920 87.537 105.112 88
74 35.247 43.278 52.969 64.981 79.148 95.165 114.793 89
75 37.038 45.791 56.371 69.484 84.257 101.772 123.273 90
76 38.471 47.558 58.537 72.114 87.076 105.249 127.535 91
77 39.921 49.345 60.700 74.757 89.931 108.751 131.851 92
78 42.267 52.214 64.215 78.546 94.681 114.487 138.855 93
79 45.733 56.545 69.542 84.271 101.534 123.129 149.486 94
80 49.361 50.965 74.932 90.112 108.778 131.924 160.319 95
176.350 95
193.985 96
213.384 98
234.722 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
FEMALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
----- ------ ------ ------ ------ ------ ------ ------
18 0.352 0.374 0.388 0.439 0.461 0.463 0.459 0.459
19 0.343 0.369 0.418 0.427 0.439 0.439 0.439 0.439
20 0.326 0.389 0.405 0.409 0.416 0.410 0.419 0.420
21 0.342 0.384 0.404 0.405 0.410 0.405 0.423 0.437
22 0.332 0.376 0.401 0.403 0.408 0.413 0.427 0.443
23 0.330 0.371 0.402 0.404 0.415 0.426 0.442 0.465
24 0.322 0.365 0.397 0.410 0.428 0.446 0.464 0.493
25 0.319 0.357 0.397 0.417 0.448 0.474 0.498 0.534
26 0.309 0.349 0.390 0.417 0.459 0.498 0.528 0.569
27 0.316 0.353 0.396 0.435 0.485 0.536 0.578 0.626
28 0.331 0.368 0.413 0.458 0.514 0.578 0.626 0.692
29 0.351 0.390 0.436 0.487 0.555 0.626 0.692 0.772
30 0.379 0.424 0.475 0.527 0.601 0.692 0.766 0.866
31 0.400 0.456 0.507 0.569 0.649 0.753 0.846 0.953
32 0.414 0.474 0.534 0.599 0.690 0.807 0.916 1.038
33 0.415 0.483 0.552 0.632 0.740 0.868 0.992 1.124
34 0.409 0.490 0.573 0.668 0.791 0.935 1.068 1.215
35 0.414 0.511 0.609 0.725 0.858 1.021 1.164 1.325
36 0.420 0.536 0.654 0.785 0.940 1.115 1.278 1.450
37 0.440 0.571 0.708 0.858 1.030 1.222 1.396 1.588
38 0.479 0.631 0.796 0.964 1.153 1.362 1.555 1.769
39 0.529 0.714 0.896 1.079 1.284 1.522 1.730 1.957
40 0.578 0.787 0.986 1.189 1.406 1.654 1.876 2.122
41 0.626 0.857 1.085 1.301 1.532 1.791 2.022 2.286
42 0.685 0.948 1.199 1.436 1.685 1.968 2.221 2.509
43 0.731 1.016 1.237 1.535 1.805 2.109 2.374 2.680
44 0.775 1.079 1.366 1.636 1.919 2.243 2.527 2.839
45 0.820 1.140 1.448 1.742 2.043 2.389 2.684 3.002
46 0.861 1.199 1.530 1.852 2.186 2.548 2.854 3.193
47 0.900 1.269 1.626 1.977 2.347 2.730 3.052 3.416
48 0.937 1.345 1.738 2.115 2.530 2.951 3.298 3.683
49 0.976 1.426 1.853 2.265 2.727 3.197 3.578 3.994
50 1.014 1.513 1.973 2.421 2.923 3.441 3.866 4.315
51 1.076 1.636 2.149 2.639 3.182 3.765 4.237 4.725
52 1.142 1.769 2.332 2.858 3.438 4.071 4.582 5.085
53 1.213 1.903 2.512 3.069 3.685 4.342 4.860 5.395
54 1.293 2.038 2.692 3.281 3.922 4.571 5.103 5.691
55 1.376 2.188 2.891 3.504 4.145 4.802 5.359 5.975
56 1.477 2.356 3.110 3.738 4.384 5.063 5.640 6.289
57 1.601 2.553 3.349 4.004 4.665 5.373 5.977 6.651
58 1.746 2.777 3.635 4.333 5.015 5.766 6.396 7.089
59 1.908 3.036 3.974 4.711 5.440 6.239 6.893 7.589
60 2.089 3.329 4.341 5.126 5.926 6.768 7.438 8.139
61 2.303 3.634 4.718 5.569 6.436 7.319 8.007 8.727
62 2.539 3.938 5.091 6.028 6.933 7.867 8.583 9.340
63 2.797 4.284 5.502 6.487 7.410 8.383 9.129 9.926
64 3.081 4.691 5.956 6.946 7.883 8.888 9.654 10.495
65 3.392 5.105 6.419 7.396 8.367 9.407 10.206 11.119
66 3.718 5.490 6.841 7.833 8.862 9.970 10.841 11.860
67 4.069 5.809 7.177 8.246 9.379 10.610 11.604 12.770
68 4.438 6.074 7.443 8.628 9.920 11.347 12.539 13.992
69 4.827 6.317 7.680 8.986 10.484 12.180 13.721 15.456
70 5.227 6.526 7.884 9.316 11.058 13.159 15.057 17.111
71 5.599 6.979 8.419 9.927 11.836 14.074 16.087 18.270
72 5.988 7.452 8.971 10.628 12.662 15.040 17.181 19.499
73 6.385 7.931 9.593 11.354 13.513 16.040 18.307 20.764
74 6.686 8.343 10.080 11.919 14.177 16.818 19.182 21.733
75 6.907 8.611 10.394 12.284 14.600 17.305 19.718 22.327
76 7.049 8.778 10.589 12.507 14.852 17.588 20.028 22.660
77 7.179 8.934 10.772 12.712 15.081 17.847 20.308 22.955
78 7.457 9.274 11.173 13.172 15.616 18.467 20.993 23.712
79 7.923 9.847 11.851 13.962 16.540 19.542 22.199 25.055
80 8.376 10.398 12.506 14.723 17.426 20.573 23.352 26.337
[x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------ ------ ------- -------
18 0.460 0.462 0.470 0.512 0.558 0.605 0.642 0.675 33
19 0.445 0.457 0.470 0.523 0.573 0.624 0.665 0.707 34
20 0.435 0.457 0.475 0.533 0.582 0.641 0.697 0.748 35
21 0.462 0.494 0.524 0.575 0.630 0.691 0.762 0.824 36
22 0.475 0.514 0.554 0.604 0.670 0.747 0.836 0.920 37
23 0.499 0.544 0.593 0.646 0.727 0.818 0.910 1.018 38
24 0.534 0.586 0.652 0.711 0.811 0.922 1.031 1.157 39
25 0.581 0.640 0.719 0.803 0.924 1.054 1.176 1.320 40
26 0.622 0.693 0.785 0.895 1.022 1.172 1.319 1.468 41
27 0.692 0.778 0.883 1.006 1.151 1.317 1.479 1.628 42
28 0.772 0.872 0.985 1.120 1.278 1.464 1.636 1.809 43
29 0.866 0.987 1.112 1.255 1.426 1.616 1.807 2.012 44
30 0.981 1.116 1.255 1.411 1.586 1.790 2.000 2.237 45
31 1.092 1.240 1.393 1.561 1.753 1.979 2.210 2.469 46
32 1.187 1.351 1.513 1.700 1.910 2.151 2.398 2.688 47
33 1.282 1.457 1.643 1.854 2.098 2.371 2.662 2.999 48
34 1.378 1.562 1.777 2.015 2.297 2.619 2.955 3.366 49
35 1.506 1.700 1.934 2.192 2.507 2.866 3.239 3.706 50
36 1.641 1.848 2.096 2.381 2.732 3.132 3.549 4.031 51
37 1.792 2.007 2.275 2.585 2.965 3.407 3.862 4.330 52
38 1.985 2.225 2.504 2.834 3.234 3.700 4.193 4.656 53
39 2.203 2.461 2.764 3.120 3.550 4.058 4.622 5.127 54
40 2.387 2.674 2.991 3.358 3.807 4.351 4.982 5.561 55
41 2.579 2.892 3.236 3.637 4.130 4.742 5.457 6.194 56
42 2.832 3.173 3.554 4.003 4.544 5.206 6.001 6.891 57
43 3.010 3.395 3.831 4.351 4.956 5.687 6.574 7.617 58
44 3.175 3.612 4.127 4.719 5.408 6.223 7.188 8.340 59
45 3.354 3.847 4.436 5.114 5.900 6.802 7.830 9.064 60
46 3.571 4.094 4.759 5.530 6.419 7.393 8.517 9.860 61
47 3.844 4.377 5.092 5.921 6.857 7.903 9.122 10.502 62
48 4.161 4.694 5.436 6.292 7.293 8.445 9.762 11.225 63
49 4.496 5.033 5.774 6.663 7.750 9.002 10.428 12.014 64
50 4.817 5.351 6.128 7.108 8.308 9.709 11.330 13.135 65
51 5.223 5.788 6.627 7.683 8.981 10.529 12.325 14.319 66
52 5.610 6.237 7.141 8.279 9.693 11.387 13.349 15.525 67
53 5.991 6.669 7.657 8.900 10.433 12.253 14.383 16.760 68
54 6.352 7.095 8.182 9.550 11.193 13.136 15.425 17.936 69
55 6.712 7.530 8.731 10.222 11.987 14.053 16.519 19.125 70
56 7.077 7.986 9.303 10.923 12.821 15.04_ 17.675 20.534 71
57 7.460 8.471 9.906 11.662 13.711 16.081 18.920 22.081 72
58 7.890 8.992 10.540 12.432 14.642 17.216 20.266 23.653 73
59 8.403 9.559 11.207 13.219 15.609 18.410 21.698 25.319 74
60 8.984 10.172 11.907 14.043 16.620 19.664 23.207 27.256 75
61 9.612 10.825 12.701 15.031 17.893 21.310 25.411 30.036 76
62 10.267 11.528 13.552 16.092 19.256 23.188 27.787 33.043 77
63 10.911 12.235 14.481 17.330 21.043 25.571 30.869 37.112 78
64 11.557 12.957 15.389 18.606 22.716 27.722 33.594 40.642 79
65 12.278 13.767 16.555 20.170 24.788 30.459 37.137 45.151 80
66 13.137 14.814 17.852 21.782 26.804 32.973 40.262 48.798 81
67 14.283 16.098 19.469 23.814 29.351 36.164 44.283 53.715 82
68 15.711 17.667 21.331 25.976 31.858 39.090 47.819 57.862 83
69 17.397 19.513 23.566 28.606 34.931 42.750 52.331 63.642 84
70 19.307 21.588 26.063 31.488 38.257 46.642 57.081 69.936 85
71 20.602 23.020 27.966 33.985 41.501 50.812 62.434 75.884 86
72 21.973 24.523 30.098 36.899 45.394 55.956 69.161 83.471 87
73 23.372 26.068 32.319 39.949 49.504 61.396 75.477 92.236 88
74 24.448 27.250 33.988 42.233 52.565 65.437 80.658 98.999 89
75 25.098 27.946 35.078 43.811 54.755 68.976 84.785 104.450 90
76 25.447 28.314 35.513 44.320 55.815 70.240 86.193 106.175 91
77 25.760 28.640 35.895 45.139 56.826 71.324 87.520 107.806 92
78 26.589 29.540 37.305 46.894 59.014 73.690 90.468 112.425 93
79 28.073 31.427 39.674 49.853 62.706 77.706 96.294 119.823 94
80 29.734 33.274 41.990 52.738 66.307 82.293 102.124 127.204 95
139.924 96
153.916 97
169.308 98
186.239 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
FEMALE SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
------ ------ ------ ------ ------ ------ ------ ------
18 0.391 0.440 0.482 0.846 0.894 0.892 0.884 0.885
19 0.381 0.434 0.805 0.821 0.851 0.847 0.847 0.847
20 0.362 0.709 0.780 0.787 0.807 0.791 0.808 0.809
21 0.589 0.700 0 777 0.780 0.795 0.781 0 815 0.842
22 0.572 0.685 0.772 0.775 0.790 0.796 0 823 0.853
23 0.569 0.677 0.774 0.778 0.804 0.822 0 853 0.896
24 0.555 0.665 0 765 0.790 0.829 0.861 0.895 0.951
25 0.549 0.651 0.765 0.803 0.867 0.913 0.960 1.029
26 0.533 0.636 0.751 0.803 0.890 0.960 1.017 1.097
27 0.545 0.643 0.762 0.838 0.940 1.033 1.114 1.207
28 0.569 0 671 0.794 0.882 0.996 1.114 1.207 1.334
29 0.605 0.711 0.838 0.937 1.075 1.207 1.334 1.488
30 0.652 0.773 0.915 1.014 1.165 1.334 1.476 1.670
31 0.690 0.832 0.975 1.095 1.257 1.452 1.631 1.836
32 0.713 0.864 1.027 1.153 1.337 1.555 1.765 2.002
33 0.714 0.881 1.062 1.217 1.433 1.673 1.912 2.167
34 0.704 0.894 1.103 1.286 1.532 1.803 2.059 2.341
35 0.713 0.932 1.172 1.395 1.663 1.968 2.245 2.554
36 0.723 0.978 1.259 1.510 1.821 2.150 2.465 2.796
37 0.758 1.041 1.364 1.652 1.996 2.355 2.691 3.062
38 0.825 1.152 1.533 1.855 2.234 2.627 2.998 3.411
39 0.911 1.301 1.724 2.076 2.488 2.933 3.336 3.772
40 0.996 1.435 1.899 2.289 2.724 3.188 3.616 4.092
41 1.079 1.562 2.089 2.505 2.968 3.453 3.898 4.408
42 1.180 1.729 2.308 2.763 3.265 3.794 4.283 4.836
43 1.259 1.852 2.477 2.954 3.497 4.065 4.577 5.168
44 1.334 1.967 2.630 3.149 3.718 4.325 4.872 5.474
45 1.413 2.079 2.787 3.353 3.958 4.605 5.174 5.788
46 1.483 2.187 2.945 3.565 4.236 4.911 5.503 6.156
47 1.550 2.315 3.130 3.806 4.548 5.262 5.883 6.585
48 1.614 2.452 3.344 4.071 4.902 5.690 6.358 7.101
49 1.681 2.601 3.567 4.360 5.283 6.162 6.897 7.699
50 1.746 2.760 3.798 4.660 5.664 6.634 7.453 8.319
51 1.853 2.983 4.137 5.080 6.165 7.258 8.168 9.109
52 1.966 3.225 4.489 5.501 6.660 7.848 8.834 9.803
53 2.088 3.470 4.834 5.907 7.141 8.371 9.370 10.402
54 2.227 3.717 5.182 6.316 7.599 8.813 9.838 10.971
55 2.370 3.989 5.564 6.746 8.031 9.258 10.331 11.520
56 2.545 4.296 5.986 7.195 8.494 9.761 10.874 12.123
57 2.757 4.655 6.447 7.708 9.038 10.358 11.524 12.823
58 3.006 5.065 6.997 8.340 9.716 11.115 12.330 13.667
59 3.287 5.536 7.648 9.069 10.541 12.027 13.289 14.630
60 3.598 6.070 8.355 9.866 11.482 13.048 14.340 15.691
61 3.966 6.626 9.082 10.719 12.470 14.109 15.437 16.824
62 4.373 7.180 9.799 11.603 13.432 15.166 16.547 18.006
63 4.816 7.813 10.590 12.487 14.357 16.161 17.599 19.137
64 5.306 8.554 11.465 13.369 15.274 17.134 18.611 20.234
65 5.841 9.309 12.355 14.236 16.211 18.135 19.675 21.435
66 6.403 10.012 13.168 15.077 17.170 19.221 20.901 22.864
67 7.007 10.593 13.814 15.871 18.173 20.454 22.370 24.619
68 7.643 11.076 14.327 16.607 19.220 21.876 24.173 26.975
69 8.313 11.519 14.784 17.296 20.313 23.481 26.452 29.796
70 9.002 11.900 15.176 17.932 21.425 25.369 29.028 32.988
71 9.642 12.727 16.205 19.108 22.932 27.132 31.014 35.223
72 10.313 13.589 17.267 20.458 24.533 28.995 33.123 37.591
73 10.996 14.463 18.464 21.855 26.180 30.922 35.294 40.029
74 11.515 15.214 19.403 22.943 27.468 32.422 36.981 41.898
75 11.896 15.702 20.007 23.645 28.287 33.361 38.014 43.044
76 12.139 16.006 20.383 24.073 28.776 33.906 38.611 43.685
77 12.364 16.292 20.734 24.469 29.219 34.406 39.151 44.255
78 12.842 16.911 21.506 25.353 30.255 35.601 40.472 45.714
79 13.646 17.956 22.811 26.874 32.047 37.674 42.797 48.302
80 14.425 18.961 24.072 28.340 33.763 39.661 45.019 50.773
[x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------- ------- ------- -------
18 0.887 0.890 0.874 0.918 0.963 1.007 1.031 1.044 33
19 0.858 0.880 0.873 0.936 0.989 1.038 1.067 1.094 34
20 0.839 0.880 0.883 0.954 1.004 1.068 1.119 1.158 35
21 0.891 0.952 0.974 1.029 1.088 1.151 1.224 1.275 36
22 0.916 0.991 1.029 1.082 1.158 1.244 1.342 1.424 37
23 0.962 1.049 1.102 1.158 1.255 1 362 1.461 1.575 38
24 1.029 1.129 1.212 1.273 1.400 1.534 1.655 1.790 39
25 1.120 1.235 1.336 1.439 1.595 1.755 1.888 2.043 40
26 1.199 1.337 1.459 1.603 1.765 1.951 2.117 2.272 41
27 1.334 1.500 1.641 1.801 1.987 2.193 2.375 2.520 42
28 1.488 1.682 1.829 2.006 2.207 2.437 2.625 2.801 43
29 1.670 1.903 2.067 2.248 2.462 2.689 2.901 3.114 44
30 1.890 2.151 2.332 2.527 2.738 2.979 3.211 3.463 45
31 2.105 2.390 2.588 2.796 3.027 3.295 3.547 3.822 46
32 2.289 2.604 2.811 3.045 3.298 3.581 3.849 4.161 47
33 2.471 2.810 3.053 3.320 3.623 3.948 4.274 4.642 48
34 2.657 3.012 3.301 3.609 3.966 4.360 4.743 5.210 49
35 2.903 3.278 3.593 3.926 4.329 4.771 5.199 5.737 50
36 3.164 3.564 3.894 4.264 4.718 5.215 5.697 6.240 51
37 3.454 3.869 4.227 4.629 5.119 5.672 6.200 6.702 52
38 3.826 4.289 4.652 5.075 5.584 6.160 6.731 7.207 53
39 4.246 4.744 5.135 5.589 6.129 6.756 7.419 7.936 54
40 4.601 5.155 5.558 6.014 6.574 7.243 7.998 8.607 55
41 4.972 5.575 6.012 6.515 7.131 7.894 8.759 9.587 56
42 5.460 6.118 6.603 7.169 7.846 8.666 9.633 10.666 57
43 5.802 6.544 7.119 7.793 8.557 9.468 10.553 11.790 58
44 6.121 6.964 7.669 8.452 9.338 10.360 11.539 12.909 59
45 6.465 7.417 8.243 9.160 10.188 11.323 12.569 14.030 60
46 6.884 7.892 8.843 9.904 11.084 12.308 13.672 15.262 61
47 7.410 8.439 9.461 10.604 11.840 13.157 14.643 16.255 62
48 8.023 9.050 10.101 11.269 12.592 14.058 15.670 17.374 63
49 8.667 9.703 10.729 11.934 13.382 14.985 16.739 18.595 64
50 9.287 10.317 11.385 12.731 14.345 16.162 18.188 20.331 65
51 10.069 11.158 12.313 13.760 15.506 17.528 19.784 22.163 66
52 10.815 12.024 13.268 14.827 16.736 18.957 21.428 24.029 67
53 11.550 12.856 14.228 15.940 18.015 20.398 23.087 25.941 68
54 12.245 13.679 15.202 17.105 19.327 21.868 24.760 27.762 69
55 12.940 14.517 16.222 18.308 20.697 23.404 26.516 29.601 70
56 13.644 15.396 17.285 19.563 22.138 25.02_ 28.371 31.783 71
57 14.381 16.330 18.406 20.888 23.675 26.788 30.370 34.178 72
58 15.211 17.335 19.584 22.266 25.281 28.661 32.531 36.610 73
59 16.200 18.428 20.823 23.676 26.952 30.649 34.829 39.189 74
60 17.319 19.610 22.124 25.152 28.696 32.735 37.252 42.187 75
61 18.530 20.869 23.599 26.921 30.896 35.477 40.790 46.491 76
62 19.794 22.225 25.181 28.822 33.249 38.602 44.603 51.144 77
63 21.035 23.587 26.907 31.039 36.334 42.669 49.550 57.443 78
64 22.280 24.979 28.594 33.325 39.223 46.149 53.924 62.907 79
65 23.671 26.542 30.760 36.125 42.801 50.708 59.612 69.886 80
66 25.327 28.559 33.169 39.012 46.282 54.893 64.628 75.531 81
67 27.536 31.035 36.175 42.651 50.679 60.204 71.082 83.141 82
68 30.289 34.060 39.634 46.525 55.008 65.074 76.759 89.560 83
69 33.539 37.619 43.787 51.235 60.315 71.168 84.001 98.506 84
70 37.222 41.618 48.427 56.396 66.057 77.647 91.626 108.249 85
71 39.718 44.379 51.963 60.869 71.657 84.590 100.218 117.765 86
72 42.361 47.277 55.924 66.089 78.380 93.154 110.739 129.905 87
73 45.059 50.256 60.050 71.550 85.477 102.210 121.053 143.927 88
74 47.131 52.534 63.151 75.640 90.762 108.867 129.651 154.748 89
75 48.386 53.875 65.177 78.468 94.543 114.169 136.498 163.471 90
76 49.058 54.586 65.985 79.379 96.374 116.131 138.833 166.231 91
77 49.661 55.214 66.695 80.845 98.119 117.996 141.036 168.840 92
78 51.259 56.948 69.315 83.990 101.897 122.068 145.927 176.230 93
79 54.121 60.586 73.716 89.289 108.270 128.979 155.594 188.067 94
80 57.324 64.148 78.021 94.456 113.866 136.873 165.268 199.876 95
219.864 96
241.850 97
266.035 98
292.639 99
Memorandum Addendum No. X to the Automatic Reinsurance Agreement effective June
1, 1984 between the Life Insurance Company of Virginia and North American
Reassurance Company.
Effective February 1, 1994, reinsurance generated on the DL881 plan and the
Accelerated Death Benefit Rider shall be ceded under the above referenced
Reinsurance Agreement subject to the same terms and conditions of the Agreement
except as provided below:
1. Plan of Reinsurance:
A. Reinsurance of Life risks shall be on the risk premium basis. The risk
amount on the policy reinsured shall be calculated monthly and shall
be equal to the death benefit less the cash value. At the time of
issue, the Ceding Company shall cede to North American Re a portion of
the initial risk amount in excess of its retention. Thereafter, the
Ceding Company and North American Re shall keep the same proportionate
shares of the risk amount developed each month.
2. Reinsurance Administration:
A. Reinsurance shall be ceded using a bordereau format in accordance with
the suggested reporting details for Universal Life products as
indicated in Exhibit C of the basic Agreement.
3. Reinsurance Premiums:
A. Life Premiums
i) Until further notice, reinsurance premiums shall be developed as
described in the Exhibit B attached to this Memorandum Addendum.
North American Re guarantees that premium rates for a given
attained age, rating, and duration shall not exceed the higher of
the rate shown in the attached schedule (Exhibit B) for that age,
rating, and duration or the one year term rate on the appropriate
multiple of the applicable 1980 CSO table at the maximum
statutory valuation rate approved in New York state.
ii) Reinsurance premiums are annual premiums payable at the end of
the month in which they become due.
4. Premium Tax Reimbursement:
A. The reinsurance premiums for these plans of insurance have been
calculated to reflect the Ceding Company's premium tax liability.
North American Re shall not make any additional reimbursement for
premium taxes.
- 1 -
5. Percentage of Participation:
A. North American Re's percentage of participation shall be equal to 20%,
not to exceed the limits specified in Exhibit G of the Agreement to
which this Memorandum Addendum is attached.
IN WITNESS WHEREOF, the Company and North American Re have caused their names to
be subscribed and duly attested hereunder by their respective Authorized
Officers.
THE LIFE INSURANCE COMPANY OF VIRGINIA
By: Illegible Attest: Illegible
------------------------------------ ---------------------------
Title: Zd V.P. Title: Illegible
---------------------------------- ----------------------------
Date: 3/28/94 Date: 3/28/94
---------------------------------- -----------------------------
NORTH AMERICAN REASSURANCE COMPANY
By: Illegible Attest: Illegible
------------------------------------ ---------------------------
Title: Exec. Vice-President Title: Asst. VP
---------------------------------- ----------------------------
Date: 3/31/94 Date: 3/31/94
---------------------------------- -----------------------------
- 2 -
REINSURANCE PREMIUMS
I. Plan & Rider: DL881
Accelerated Death Benefit Rider
II. Standard Reinsurance Risk Premiums: Reinsurance on the above plans shall be
ceded on a bordereau basis employing annual reinsurance premiums. The
reinsurance premiums shall equal the mortality assumptions attached to this
Exhibit B, multiplied by the following factors:
ISSUE PREF STD PREF STD
AGE NS NS SMK SMK
---------- ----- ----- ----- -----
0-40 1.500 1.350 1.450 1.225
41-60 1.320 1.150 1.220 1.025
61 & Older 1.400 1.250 1.350 1.125
III. Multiple Table Substandard Reinsurance Premiums: Multiple table substandard
reinsurance premiums are equal to the sum of the standard premium and 15%
of the standard premium for each 25% excess mortality.
IV. Flat Extra Substandard Reinsurance Premiums:
a) Permanent Flat Extra Premiums are ones assessed for more than 5 years.
North American Re should receive its proportionate share of any such
premiums less a 10% reduction in all policy years.
b) Temporary Flat Extra Premiums are ones assessed for 5 years or less.
North American Re should receive its proportionate share of any such
premiums less a 10% reduction in all policy years.
V. Accelerated Death Benefit Rider: North American Re shall participate in its
share of any death benefits that are accelerated.
VI. Maximum Amount Of Reinsurance On One Life On These Reinsurance Premiums:
$10,000,000. For ceded risk amounts in excess of $10,000,000, the
reinsurance premiums described in Section II, above, increased by 10%,
shall apply.
EXHIBIT B
Page 1 of 2
VII. Reinsurance Premiums For Policies Converted To The DL881 Plan: Any
reinsurance in force with the North American Re on policies converted to or
reissued on the DL881 Plan shall be continued with the North American Re.
The reinsured risk amount shall be determined as described in Paragraph 1
of this Memorandum Addendum following the conversion or reissue. The
applicable reinsurance premiums will be determined as described in this
Exhibit B, with age and duration measured from the date of issue of the
original policy.
VIII. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
Page 2 of 2
EXPECTED MORTALITY ASSUMPTIONS (l000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
MALE PREFERRED NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
----- ------ ------ ------ ------ ------ ------ ------ ------
0 0.612 0.401 0.345 0.291 0.282 0.266 0.255 0.236 0.222
1 0.612 0 401 0.345 0.291 0.282 0.266 0.255 0.236 0.222
2 0.402 0 322 0.290 0.272 0.253 0.253 0.233 0.219 0.218
3 0.324 0 272 0.272 0.244 0.241 0.232 0.218 0.216 0.222
4 0.274 0.255 0.245 0.233 0.222 0.217 0.215 0.220 0.239
5 0.257 0.230 0.234 0.215 0.208 0.214 0.219 0.238 0.309
6 0.233 0.221 0.216 0.202 0.206 0.219 0.237 0.308 0.388
7 0.224 0.204 0.203 0.200 0.211 0.238 0.308 0.387 0.506
8 0.209 0.194 0.204 0.207 0.231 0.311 0.390 0.509 0.623
9 0.198 0.194 0.210 0.226 0.301 0.392 0.511 0.625 0.740
10 0.195 0.197 0.227 0.292 0.377 0.512 0.625 0.740 0.841
11 0.199 0.213 0.293 0.364 0.488 0.619 0.730 0.827 0.902
12 0.214 0.273 0.363 0.469 0.587 0.719 0.812 0.882 0.906
13 0.275 0.340 0.468 0.564 0.683 0.800 0.865 0.885 0.629
14 0.341 0.436 0.562 0.655 0.759 0.853 0.870 0.616 0.588
15 0.437 0.524 0.647 0.716 0.790 0.852 0.611 0.580 0.559
16 0.529 0.608 0.692 0.731 0.781 0.599 0.577 0.554 0.530
17 0.609 0.646 0.710 0.727 0.562 0.563 0.544 0.525 0.502
18 0.609 0.638 0.700 0.518 0.534 0.527 0.507 0.489 0.472
19 0.582 0.618 0.490 0.484 0.491 0.482 0.465 0.448 0.438
20 0.542 0.422 0.456 0.448 0.448 0.431 0.423 0.409 0.402
21 0.349 0.385 0.427 0.423 0.424 0.415 0.424 0.423 0.434
22 0.305 0.340 0.383 0.376 0.378 0.380 0.379 0.381 0.391
23 0.271 0.300 0.340 0.334 0.341 0.343 0.345 0.347 0.359
24 0.235 0.260 0.297 0.300 0.307 0.314 0.312 0.320 0.338
25 0.209 0 229 0.268 0.272 0.287 0.294 0.298 0.311 0 329
26 0.194 0.214 0.248 0.257 0.274 0.291 0.300 0.314 0.336
27 0.189 0.203 0.237 0.249 0.272 0.296 0.310 0.329 0.361
28 0.188 0.203 0.233 0.250 0.277 0.306 0.325 0.356 0.388
29 0.194 0.206 0.238 0.259 0.290 0.325 0.356 0.388 0.431
30 0.197 0.213 0.249 0.268 0.304 0.351 0.379 0.425 0.474
31 0.199 0.221 0.255 0.281 0.322 0.369 0.411 0.455 0.515
32 0.201 0.224 0.264 0.294 0.336 0.393 0.440 0.492 0.555
33 0.197 0.225 0.273 0.305 0.358 0.419 0.472 0.528 0.595
34 0.188 0.224 0.274 0.316 0.374 0.441 0.497 0.558 0.630
35 0.190 0.229 0.289 0.339 0.401 0.476 0.537 0.607 0.686
36 0.191 0.242 0.311 0.368 0.441 0.524 0.597 0.673 0.754
37 0.202 0.258 0.339 0.405 0.487 0.581 0.659 0.743 0.837
38 0.217 0.282 0.376 0.449 0.542 0.644 0.728 0.827 0.935
39 0.236 0.314 0.418 0.500 0.600 0.712 0.809 0.922 1.043
40 0.260 0.349 0.466 0.558 0.663 0.788 0.900 1.025 1.159
41 0.283 0.385 0.519 0.617 0.735 0.877 0.995 1.132 1.285
42 0.308 0.424 0.568 0.679 0.815 0.969 1.100 1.250 1.419
43 0.333 0.458 0.621 0.747 0.896 1.065 1.207 1.370 1.549
44 0.357 0.496 0.678 0.817 0.978 1.164 1.318 1.491 1.689
45 0.385 0.539 0.738 0.893 1.069 1.272 1.439 1.631 1.840
46 0.416 0.583 0.801 0.976 1.175 1.395 1.583 1.789 2.022
47 0.447 0.634 0.876 1.070 1.298 1.547 1.747 1.977 2.259
48 0.478 0.691 0.961 1.179 1.449 1.727 1.951 2.213 2.539
49 0.513 0.753 1.056 1.308 1.613 1.934 2.198 2.491 2.848
50 0.548 0.824 1.166 1.445 1.789 2.163 2.468 2.798 3.170
51 0.586 0.902 1.283 1.592 1.977 2.403 2.747 3.109 3.519
52 0.630 0.985 1.407 1.751 2.169 2.639 3.015 3.426 3.870
53 0.676 1.071 1.539 1.909 2.361 2.858 3 275 3.722 4.216
54 0.728 1.165 1.675 2.073 2.551 3.080 3.521 4.004 4 559
55 0.787 1.270 1.826 2.247 2.760 3.313 3.771 4 289 4.920
56 0.858 1.389 1.994 2.454 2.989 3.563 4.049 4.609 5.299
57 0.944 1.528 2.199 2.692 3.244 3.857 4.381 4.980 5.702
58 1.045 1.702 2.444 2.971 3.558 4.226 4.789 5 419 6.160
59 1.169 1.905 2.725 3.296 3.941 4.671 5.268 5.925 6.709
60 1.311 2.130 3.036 3.661 4.385 5.173 5.808 6.498 7.337
61 1.474 2.372 3.370 4.063 4.862 5.714 6.393 7 127 8.035
62 1.658 2.625 3.715 4.490 5.349 6.281 7.010 7.808 8.798
63 1.864 2.918 4.098 4.936 5.847 6.846 7.631 8.506 9.591
64 2.098 3.261 4.532 5.404 6.363 7.429 8.272 9.225 10.439
65 2.358 3.625 4.994 5.886 6.912 8.061 8.970 10.043 11.408
66 2.640 3.987 5.444 6.381 7.504 8.764 9.793 11.019 12.577
67 2.954 4.315 5.846 6.885 8.148 9.584 10.781 12.225 13.995
68 3.296 4.618 6.215 7.390 8.856 10.543 12.004 13.710 15.764
69 3.670 4.923 6.579 7.910 9.627 11.660 13.445 15.507 17.890
70 4.073 5.217 6.940 8.435 10.462 12.894 15.107 17.596 20 357
71 4.476 5.734 7.622 9.261 11.462 14.121 16.543 19.264 22.276
72 4.919 6.297 8.369 10.148 12.556 15.466 18.115 21.083 24.385
73 5.395 6.905 9.159 11.101 13.733 16.911 19.795 23.042 26.645
74 5.822 7.435 9.856 11.944 14.773 18.184 21.287 24.776 28.632
75 6.156 7.858 10.416 12.621 15.601 19.204 22.479 26.149 30.212
76 6.432 8.209 10.880 13.177 16.289 20.050 23.456 27.277 31.502
77 6.715 8.567 11.350 13.747 16.991 20.902 24.446 28.418 32.809
78 7.150 9.120 12.083 14.633 18.074 22.229 25.989 30.201 34.853
79 7.792 9.939 13.165 15.934 19.677 24.192 28.274 32.842 37.887
80 8.454 10.781 14.273 17.271 21.320 26.202 30.610 35.544 40.937
[x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
-- ------ ------ ------ ------ ------- ------- ------- --
0 0.222 0.228 0.249 0.326 0.414 0.547 0.678 15
1 0.222 0.228 0.249 0.326 0.414 0.547 0.678 16
2 0.224 0.245 0.320 0.406 0.536 0.663 0.795 17
3 0.242 0.315 0.399 0.526 0.650 0.779 0.896 18
4 0.311 0.394 0.518 0.639 0.765 0.879 0.971 19
5 0.390 0.512 0.631 0.754 0.865 0.954 0.996 20
6 0.508 0.625 0.746 0.854 0.941 0.981 0.750 21
7 0.622 0.740 0.846 0.931 0.969 0.733 0.719 22
8 0.740 0.844 0.926 0.962 0.719 0.704 0.699 23
9 0.843 0.923 0.957 0.708 0.692 0.686 0.685 24
10 0.920 0.953 0.698 0.682 0.675 0.673 0.660 25
11 0.930 0.673 0.655 0.646 0.642 0.628 0.620 26
12 0.647 0.628 0.617 0.611 0.596 0.586 0.568 27
13 0.602 0.589 0.581 0.563 0.552 0.532 0.548 28
14 0.568 0.558 0.539 0.527 0.506 0.519 0.529 29
15 0.537 0.521 0.507 0.485 0.495 0.502 0.508 30
16 0.509 0.489 0.471 0.479 0.485 0.488 0.495 31
17 0.481 0.463 0.469 0.474 0.476 0.482 0.478 32
18 0.457 0.437 0.449 0.455 0.464 0.467 0.463 33
19 0.427 0.414 0.429 0.441 0.455 0.458 0.463 34
20 0.402 0.389 0.409 0.422 0.439 0.453 0.468 35
21 0.444 0.436 0.445 0.452 0.462 0.480 0.479 36
22 0.409 0.412 0.419 0.437 0.461 0.480 0.498 37
23 0.381 0.392 0.406 0.439 0.466 0.496 0.527 38
24 0.360 0.384 0.406 0.441 0.485 0.521 0.562 39
25 0.355 0.390 0.418 0 468 0.518 0.561 0.611 40
26 0.372 0.406 0.453 0.503 0.563 0.617 0.672 41
27 0.396 0.441 0.491 0.550 0.617 0.681 0.740 42
28 0.434 0.479 0.535 0 598 0.674 0.746 0.818 43
29 0.483 0.534 0.590 0.660 0.740 0.819 0.900 44
30 0.532 0.587 0.650 0.724 0.810 0.896 1.000 45
31 0.576 0.638 0.709 0.791 0.884 0.986 1.112 46
32 0.624 0.694 0.775 0.864 0.973 1.097 1.242 47
33 0.672 0.752 0.841 0.951 1.084 1.227 1.394 48
34 0.709 0.800 0.907 1.045 1.201 1.368 1.574 49
35 0.767 0.874 1.003 1.160 1.341 1.535 1.777 50
36 0.848 0.973 1.117 1.296 1.504 1.724 1.987 51
37 0 945 1.083 1.244 1.443 1.678 1.929 2.207 52
38 1.054 1.202 1.381 1.599 1.860 2.158 2.448 53
39 1.173 1.336 1.529 1.768 2.067 2.403 2.725 54
40 1.307 1.482 1.690 1.960 2.285 2.674 3.066 55
41 1.449 1.641 1.880 2.169 2.535 2.985 3.468 56
42 1.601 1.826 2.090 2.413 2.826 3.333 3.918 57
43 1.770 2.022 2.327 2.700 3.157 3.721 4.396 58
44 1.942 2.240 2.599 3 023 3.533 4.145 4.929 59
45 2.134 2.487 2.900 3 385 3.948 4.640 5.484 60
46 2.354 2.758 3.230 3.779 4.425 5.186 6.085 61
47 2.612 3.062 3.587 4.224 4.951 5.791 6.759 62
48 2.908 3.392 3.991 4.703 5.517 6.465 7.544 63
49 3.237 3.773 4.426 5.214 6.138 7.215 8.440 64
50 3.606 4.179 4.890 5.769 6.812 8.039 9.420 65
51 3.993 4.622 5.420 6.416 7.624 9.041 10.651 66
52 4.388 5.107 6.024 7.182 8.588 10.256 12.167 67
53 4.787 5.606 6.649 7.951 9.534 11.440 13.633 68
54 5.200 6.150 7.357 8.844 10.657 12.856 15.366 69
55 5.638 6.716 8.084 9.756 11.780 14.259 17.032 70
56 6.104 7.328 8.877 10.752 13.022 15.823 19.019 71
57 6.614 7.980 9.695 11.769 14.282 17.375 21.018 72
58 7.179 8.685 10.578 12.883 15.675 19.126 23.158 73
59 7.807 9.475 11.586 14.190 17.389 21.308 25.891 74
60 8.503 10.320 12.626 15.527 19.104 23.482 28.527 75
61 9.276 11.276 13.849 17.120 21.203 26.113 31.885 76
62 10 133 12.318 15.135 18.767 23.259 28.693 35.152 77
63 11 052 13.469 16.621 20.671 25.735 31.853 39.274 78
64 12.039 14.728 18.217 22.759 28.443 35.306 43.756 79
65 13.180 16.134 20.020 25.082 31.431 39.089 48.518 80
66 14.515 17.792 22.103 27.704 34.723 43.236 53.488 81
67 16.152 19.788 24.536 30.674 38.379 47.777 58.940 82
68 18.168 22.201 27.381 34.052 42.424 52.717 64.849 83
69 20.574 25.029 30.657 37.839 46.843 58.071 71.608 84
70 23.342 28.272 34.345 42.014 51.655 63.852 79.120 85
71 25.547 31.013 37.737 46.245 56.942 70.484 85.409 86
72 27.957 34.084 41.650 51.227 63.292 78.578 93.196 87
73 30.530 37.397 45.880 56.635 70.186 85.372 101.594 88
74 32.802 40.258 49.478 61.173 75.922 90.758 108.398 89
75 34.596 42.550 52.387 64.865 80.170 95.164 114.014 90
76 36.062 44.334 54 563 67.450 82.568 98.144 117.704 91
77 37.541 46.137 56.688 70.049 84.997 101.145 121.419 92
78 39.867 48.913 60.075 74.226 88.890 105.969 127.309 93
79 43.266 53.063 65.164 30.154 94.735 113.136 136.241 94
80 46.729 57.303 70.350 84.973 100.611 120.446 145.339 95
159.873 96
175.861 97
193.447 98
212.791 99
EXPECTED MORTALITY ASSUMPTIONS (1OOOqx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
MALE NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
------ ------ ------ ------ ------ ------ ------ ------ ------
0 0.825 0.535 0.424 0.354 0.327 0.292 0.280 0.259 0.244
1 0.825 0.535 0.424 0.354 0.327 0.292 0.280 0.259 0.244
2 0.543 0.429 0.357 0.330 0.294 0.278 0.256 0.241 0.240
3 0.436 0.362 0.334 0.297 0.280 0.255 0.239 0.238 0.244
4 0.369 0.339 0.301 0.283 0.257 0.238 0.236 0.242 0.263
5 0.347 0.307 0.288 0.261 0.241 0.236 0.241 0.261 0.339
6 0.314 0.294 0.266 0.245 0.239 0.241 0.261 0.338 0.426
7 0.302 0.272 0.250 0.244 0.245 0.261 0.338 0.425 0.556
8 0.283 0.259 0.251 0.252 0.268 0.342 0.428 0.559 0.685
9 0.267 0.258 0.258 0.274 0.349 0.431 0.562 0.686 0.814
10 0.264 0.263 0.279 0.355 0.438 0.563 0.687 0.813 0.924
11 0.269 0.284 0.360 0.443 0.567 0.680 0.803 0.909 0.991
12 0.289 0.364 0.446 0.569 0.681 0.790 0.892 0.969 0.996
13 0.371 0.453 0.575 0.685 0.792 0.879 0.950 0.972 0.998
14 0.460 0.582 0.691 0.796 0.881 0.937 0.956 0.978 0.933
15 0.589 0.699 0.795 0.870 0.916 0.936 0.970 0.921 0.887
16 0.714 0.810 0.850 0.888 0.907 0.950 0.916 0.879 0.842
17 0.821 0.861 0.873 0.883 0.941 0.894 0.863 0.833 0.798
18 0.821 0.851 0.861 0.909 0.895 0.836 0.804 0.776 0.748
19 0.785 0.824 0.871 0.849 0.823 0.766 0.738 0.711 0.695
20 0.732 0.813 0.811 0.785 0.751 0.683 0.672 0.649 0.639
21 0.680 0.741 0.759 0.741 0.711 0.658 0.673 0.671 0.689
22 0.594 0.656 0.681 0.661 0.633 0.602 0.602 0.605 0.621
23 0.528 0.577 0.604 0.587 0.572 0.544 0.547 0.550 0.570
24 0.458 0.501 0.527 0.527 0.514 0.498 0.495 0.509 0.536
25 0.408 0.442 0.476 0.477 0.480 0.466 0.473 0.494 0.522
26 0.377 0.412 0.440 0.450 0.460 0.461 0.476 0.499 0.534
27 0.368 0.391 0.420 0.437 0.456 0.470 0.492 0.522 0.573
28 0.366 0.390 0.414 0.439 0.464 0.486 0.515 0.565 0.615
29 0.377 0.396 0.422 0.454 0.487 0.515 0.565 0.615 0.683
30 0.384 0.410 0.442 0.470 0.510 0.558 0.602 0.675 0.752
31 0.388 0.425 0.453 0.492 0.540 0.586 0.652 0.722 0.817
32 0.392 0.431 0.470 0.517 0.563 0.625 0.698 0.781 0.880
33 0.384 0.433 0.484 0.535 0.601 0.665 0.750 0.838 0.944
34 0.367 0.432 0.487 0.555 0.626 0.700 0.789 0.886 0.999
35 0.370 0.440 0.514 0.594 0.673 0.756 0.852 0.964 1.088
36 0.373 0.466 0.553 0.647 0.740 0.831 0.947 1.068 1.197
37 0.394 0.497 0.602 0.711 0.817 0.922 1.047 1.180 1.329
38 0.423 0.543 0.667 0.788 0.908 1.022 1.155 1.312 1.484
39 0.460 0.605 0.742 0.877 1.005 1.130 1.283 1.463 1.656
40 0.506 0.672 0.827 0.979 1.111 1.250 1.429 1.627 1.840
41 0.552 0.741 0.922 1.082 1.232 1.391 1.580 1.797 2.040
42 0.600 0.816 1.010 1.192 1.366 1.538 1.746 1.984 2.252
43 0.649 0.883 1.103 1.310 1.502 1.691 1.916 2.174 2.459
44 0.695 0.955 1.204 1.433 1.639 1.847 2.092 2.367 2.682
45 0.750 1.039 1.311 1.567 1.792 2.018 2.284 2.589 2.921
46 0.810 1.122 1.423 1.713 1.969 2.214 2.513 2.840 3.210
47 0.871 1.221 1.555 1.878 2.176 2.456 2.773 3.138 3.586
48 0.932 1.330 1.708 2.068 2.428 2.742 3.097 3.512 4.029
49 0.999 1.451 1.876 2.295 2.704 3.070 3.489 3.955 4.521
50 1.068 1.587 2.071 2.535 2.998 3.434 3.917 4.441 5.032
51 1.142 1.738 2.279 2.794 3.314 3.815 4.360 4.936 5.586
52 1.227 1.897 2.499 3.072 3.635 4.189 4.786 5.439 6.143
53 1.316 2.063 2.733 3.350 3.958 4.536 5.198 5.908 6.691
54 1.419 2.244 2.974 3.637 4.276 4.889 5.588 6.356 7.237
55 1.534 2.446 3.244 3.943 4.627 5.258 5.985 6.809 7.809
56 1.672 2.675 3.542 4.307 5.010 5.655 6.427 7.316 8.411
57 1.840 2.943 3.906 4.724 5.438 6.122 6.954 7.905 9.050
58 2.036 3.278 4.340 5.213 5.963 6.708 7.601 8.601 9.779
59 2.279 3.669 4.839 5.783 6.606 7.414 8.363 9.405 10.649
60 2.554 4.103 5.393 6.424 7.351 8.211 9.219 10.315 11.646
61 2.872 4.569 5.985 7.130 8.149 9.070 10.148 11.313 12.753
62 3.230 5.055 6.597 7.878 8.967 9.970 11.127 12.393 13.964
63 3.633 5.619 7.278 8.661 9.801 10.867 12.113 13.501 15.223
64 4.089 6.280 8.049 9.482 10.666 11.792 13.130 14.643 16.570
55 4.595 6.981 8.870 10.329 11.587 12.794 14.239 15.942 18.108
66 5.145 7.678 9.670 11.196 12.579 13.911 15.545 17.491 19.963
67 5.758 8.310 10.383 12.081 13.657 15.213 17.113 19.405 22.215
68 6.424 8.893 11.039 12.967 14.844 16.736 19.054 21.763 25.021
69 7.152 9.481 11.684 13.879 16.138 18.508 21.341 24.615 28.397
70 7.939 10.047 12.326 14.801 17.537 20.467 23.980 27.931 32.312
71 8.722 11.043 13.538 16.250 19.212 22.414 26.259 30.577 35.359
72 9.587 12.128 14.864 17.808 21.046 24.550 28.754 33.465 38.706
73 10.515 13.299 16.268 19.480 23.019 26.843 31.420 36.575 42.293
74 11.346 14.320 17.505 20.959 24.762 28.864 33.790 39.327 45.448
75 11.997 15.133 18.500 22.146 26.151 30.483 35.681 41.506 47.956
76 12.535 15.811 19.324 23.123 27.304 31.826 37.231 43.296 50.004
77 13.086 16.500 20.159 24.123 28.480 33.177 38.803 45.108 52.078
78 13.935 17.565 21.460 25.676 30.297 35.284 41.252 47.939 55.322
79 15.185 19.141 23.383 27.960 32.983 38.400 44.879 52.130 60.138
80 10.475 20.764 25.350 30.305 35.737 41.591 48.588 56.419 64.979
[x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------- ------- ------- ------- -------
0 0.244 0.250 0.274 0.358 0.455 0.601 0.745 15
1 0.244 0.250 0.274 0.358 0.455 0.601 0.745 16
2 0.247 0.269 0.351 0.446 0.589 0.728 0.874 17
3 0.266 0.346 0.438 0.578 0.714 0.856 0.984 18
4 0.342 0.433 0.569 0.702 0.841 0.966 1.067 19
5 0.428 0.563 0.693 0.828 0.950 1.049 1.095 20
6 0.559 0.687 0.819 0.938 1.034 1.078 0.997 21
7 0.683 0.813 0.930 1.023 1.064 1.005 0.956 22
8 0.813 0.927 1.018 1.057 1.016 0.966 0.930 23
9 0.926 1.015 1.052 1.031 0.978 0.941 0.911 24
10 1.012 1.047 1.046 0.992 0.953 0.922 0.878 25
11 1.022 1.038 0.982 0.940 0.907 0.861 0.825 26
12 1.027 0.968 0.924 0.889 0.841 0.803 0.755 27
13 0.955 0.908 0.870 0.820 0.780 0.730 0.728 28
14 0.901 0.861 0.808 0.766 0.715 0.711 0.704 29
15 0.852 0.804 0.759 0.706 0.699 0.689 0.676 30
16 0.808 0.754 0.705 0.697 0.685 0.669 0.659 31
17 0.764 0.714 0.704 0.690 0.673 0.661 0.636 32
18 0.725 0.674 0.673 0.662 0.655 0.640 0.616 33
19 0.677 0.639 0.642 0.642 0.642 0.628 0.616 34
20 0.638 0.600 0.613 0.614 0.620 0.621 0.622 35
21 0.705 0.672 0.666 0.658 0.653 0.658 0.637 36
22 0.649 0.636 0.628 0.635 0.652 0.659 0.663 37
23 0.605 0.605 0.608 0.638 0.659 0.680 0.701 38
24 0.571 0.592 0.608 6.642 0.685 0.714 0.748 39
25 0.564 0.601 0.626 0.682 0.732 0.770 0.813 40
26 0.590 0.627 0.679 0.732 0.795 0.846 0.894 41
27 0.628 0.681 0.736 0.801 0.872 0.933 0.985 42
28 0.688 0.739 0.801 0.871 0.953 1.023 1.088 43
29 0.767 0.824 0.885 0.960 1.045 1.123 1.198 44
30 0.844 0.906 0.974 1.054 1.145 1.228 1.330 45
31 0.915 0.985 1.063 1.151 1.249 1.352 1.479 46
32 0.990 1.070 1.162 1.257 1.375 1.504 1.652 47
33 1.067 1.161 1.260 1.384 1.532 1.682 1.854 48
34 1.126 1.234 1.360 1.520 1.697 1.876 2.094 49
35 1.217 1.348 1.503 1.688 1.895 2.104 2.364 50
36 1.346 1.500 1.674 1.886 2.125 2.364 2.643 51
37 1.500 1.670 1.864 2.101 2.371 2.645 2.936 52
38 1.673 1.855 2.069 2.326 2.629 2.960 3.257 53
39 1.861 2.060 2.291 2.572 2.921 3.295 3.625 54
40 2.075 2.285 2.532 2.852 3.229 3.667 4.079 55
41 2.300 2.532 2.817 3.157 3.582 4.092 4.614 56
42 2.542 2.817 3.131 3.511 3.993 4.570 5.212 57
43 2.810 3.119 3.487 3.929 4.461 5.103 5.848 58
44 3.082 3.455 3.894 4.400 4.992 5.684 6.557 59
45 3.387 3.837 4.346 4.926 5.578 6.362 7.296 60
46 3.737 4.254 4.840 5.499 6.253 7.111 8.095 61
47 4.146 4.723 5.375 6.147 6.995 7.940 8.991 62
48 4.616 5.233 5.980 6.844 7.795 8.865 10.035 63
49 5.138 5.820 6.632 7.588 8.672 9.893 11.227 64
50 5.723 6.446 7.328 8.395 9.624 11.023 12.531 65
51 6.338 7.129 8.122 9.337 10.772 12.397 14.169 66
52 6.966 7.877 9.027 10.452 12.134 14.064 16.185 67
53 7.598 8.647 9.964 11.572 13.470 15.686 18.135 68
54 8.255 9.486 11.024 12.871 15.057 17.628 20.441 69
55 8.950 10.359 12.113 14.198 16.644 19.552 22.656 70
56 9.689 11.304 13.302 15.648 18.399 21.697 25.300 71
57 10.498 12.309 14.528 17.128 20.178 23.825 27.960 72
58 11.395 13.397 15.851 18.748 22.146 26.226 30.806 73
59 12.391 14.616 17.362 20.651 24.568 29.217 34.441 74
60 13.497 15.918 18.921 22.597 26.991 32.198 37.949 75
61 14.723 17.394 20.753 24.915 29.958 35.806 42.415 76
62 16.085 19.000 22.679 27.312 32.862 39.344 46.761 77
63 17.542 20.775 24.907 30.083 36.360 43.676 52.244 78
64 19.109 22.718 27.299 33.121 40.186 48.411 58.206 79
65 20.920 24.887 30.000 36.502 44.407 53.599 64.541 80
66 23.040 27.444 33.121 40.318 49.059 59.285 71.152 81
67 25.638 30.524 36.758 44.640 54.224 65.512 78.405 82
68 28.838 34.245 41.031 49.557 59.939 72.285 86.266 83
69 32.657 38.607 45.940 55.067 66.183 79.627 95.256 84
70 37.050 43.609 51.466 61.143 72.982 87.553 105.249 85
71 40.550 47.837 56.549 67.300 80.451 96.648 114.939 86
72 44.376 52.575 62.413 74.551 89.424 107.433 126.935 87
73 48.460 57.685 68.751 82.420 99.164 118.013 139.875 88
74 52.066 62.097 74.144 89.025 107.015 126.566 150.356 89
75 54.914 65.632 78.501 94.398 112.688 133.563 159.010 90
76 57.242 68.384 81.762 98.161 116.612 138.295 164.695 91
77 59.590 71.166 84.948 101.942 120.586 143.062 170.418 92
78 63.280 75.449 90.023 107.675 126.957 150.723 179.492 93
79 68.677 81.849 97.649 115.650 136.521 162.104 193.253 94
80 74.173 88.390 105.398 123.772 146.137 173.714 207.271 95
227.999 96
250.798 97
275.878 98
303.466 99
EXPECTED MORTALITY ASSUMPTIONS (l000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
MALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
------ ------ ------ ------ ------ ------ ------ ------ ------
18 0.739 0.775 0.793 0.853 0.880 0.870 0.851 0.838 0.824
19 0.707 0.750 0.808 0.809 0.822 0.810 0.797 0.782 0.783
20 0.659 0.745 0.763 0.759 0.762 0.738 0.739 0.731 0.738
21 0.616 0.690 0.725 0.728 0.736 0.724 0.758 0.776 0.820
22 0.546 0.619 0.661 0.663 0.668 0.679 0.696 0.720 0.774
23 0.492 0.553 0.599 0.599 0.617 0.629 0.651 0.686 0.733
24 0.434 0.490 0.532 0.551 0.569 0.593 0.617 0.653 0.703
21 0.394 0.441 0.492 0.512 0.548 0.581 0.608 0.648 0.703
26 0.372 0.421 0.467 0.498 0.549 0.593 0.624 0.671 0.735
27 0.371 0.410 0.459 0.506 0.561 0.616 0.663 0.719 0.792
28 0.379 0.421 0.473 0.523 0.583 0.654 0.709 0.782 0.869
29 0.402 0.447 0.497 0.552 0.628 0.709 0.782 0.869 0.974
30 0.429 0.478 0.532 0.588 0.672 0.771 0.851 0.961 1.088
31 0.446 0.505 0.559 0.629 0.715 0.828 0.928 1.045 1.195
32 0.461 0.526 0.593 0.664 0.762 0.890 1.010 1.142 1.306
33 0.463 0.540 0.614 0.702 0.820 0.962 1.097 1.243 1.418
34 0.453 0.541 0.630 0.734 0.869 1.024 1.170 1.331 1.513
35 0.458 0.563 0.671 0.798 0.943 1.121 1.280 1.459 1.660
36 0.471 0.601 0.734 0.878 1.052 1.248 1.434 1.628 1.844
37 0.503 0.652 0.807 0.978 1.175 1.396 1.596 1.818 2.059
38 0.548 0.720 0.908 1.099 1.318 1.558 1.780 2.033 2.288
39 0.603 0.813 1.022 1.233 1.469 1.742 1.988 2.255 2.544
40 0.672 0.915 1.149 1.386 1.640 1.937 2.204 2.498 2.815
41 0.742 1.017 1.290 1.548 1.829 2.145 2.427 2.750 3.109
42 0.814 1.127 1.427 1.714 2.019 2.362 2.671 3.024 3.411
43 0.886 1.232 1.567 1.875 2.210 2.587 2.919 3.293 3.695
44 0.959 1.341 1.703 2.044 2.402 2.814 3.168 3.557 3.975
45 1.041 1.451 1.846 2.226 2.616 3.057 3.433 3.838 4.281
46 1.119 1.562 1.996 2.423 2.857 3.328 3.726 4.163 4.644
47 1.198 1.693 2.173 2.640 3.133 3.641 4.065 4.539 5.100
48 1.277 1.837 2.372 2.885 3.449 4.019 4.481 4.996 5.631
49 1.364 1.991 2.585 3.158 3.797 4.441 4.963 5.527 6.202
50 1.448 2.161 2.815 3.450 4.156 4.884 5.474 6.092 6.787
51 1.536 2.334 3.063 3.752 4.517 5.331 5.981 6.657 7.356
52 1.629 2.520 3.316 4.056 4.868 5.747 6.456 7.162 7.906
53 1.728 2.705 3.565 4.346 5.203 6.118 6.845 7.603 8.440
54 1.839 2.893 3.812 4 632 5.526 6.438 7.192 8.017 8.948
55 1.954 3.098 4.081 4.938 5.838 6.767 7.549 8.418 9.465
56 2.092 3.325 4.381 5.265 6.178 7.132 7.946 8.867 9.984
57 2.260 3.597 4.717 5.643 6.571 7.570 8.429 9.383 10.521
58 2.460 3.912 5.123 6.104 7.065 8.130 9.022 9.999 11.128
59 2.688 4.278 5.597 6.638 7.671 8.801 9.722 10.703 11.857
60 2.944 4.689 6.115 7.228 8.360 9.546 10.491 11.485 12.675
51 3.244 5.119 6.653 7.856 9.078 10.322 11.299 12.313 13.565
62 3.577 5.552 7.182 8.502 9.778 11.100 12.110 13.182 14.509
63 3.943 6.044 7.760 9.150 10.456 11.827 12.884 14.028 15.440
64 4.346 6.616 8.400 9.801 11.123 12.543 13.642 14.852 16.396
65 4.784 7.200 9.057 10.435 11.809 13.293 14.442 15.774 17.471
66 5.244 7.747 9.652 11.055 12.523 14.109 15.381 16.876 18.766
67 5.741 8.196 10.129 11.652 13.272 15.052 16.511 18.242 20.473
63 6.261 8.572 10.519 12.209 14.074 16.147 17.912 20.056 22.592
69 6.812 8.927 10.868 12.748 14.919 17.399 19.667 22.225 25.113
70 7.386 9.234 11.185 13.256 15.796 18.861 21.651 24.701 27.976
71 7.922 9.902 11.980 14.181 16.965 20.238 23.223 26.473 29.958
72 8.495 10.604 12.815 15.234 18.208 21.711 24.895 28.353 32.078
73 9.085 11.330 13.749 16.327 19.506 23.241 26.621 30.312 34.262
74 9.551 11.959 14.495 17.206 20.542 24.455 28.003 31.859 35.978
75 9.901 12.382 15.005 17.799 21.229 25.263 28.906 32.857 37.075
76 10.136 12.671 15.344 18.186 21.682 25.782 29.473 33.473 37.727
77 10.363 12.945 15.664 18.558 22.107 26.264 29.999 34.033 38.326
78 10.804 13.485 16.311 19.309 22.981 27.279 31.125 35.280 39.688
79 11.521 14.375 17.372 20.547 24.433 28.972 33.029 37.399 42.031
80 12.227 15.243 18.404 21.749 25.835 30.609 34.857 39.431 44.609
[x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 [x]+15
------ ------ ------ ------ ------- ------- -------
18 0.817 0.811 0.869 0.931 0.988 1.025 1.054 33
19 0.783 0.792 0.867 0.930 0.989 1.032 1.078 34
20 0.760 0.778 0.852 0.908 0.979 1.045 1.095 35
21 0.878 0.898 0.947 0.998 1.055 1.113 1.145 36
22 0.834 0.868 0.916 0.986 1.058 1.137 1.200 37
23 0.794 0.847 0.907 0.996 1.092 1.184 1.290 38
24 0.769 0.848 0.911 1.022 1.145 1.263 1.391 39
21 0.776 0.865 0.959 1.095 1.243 1.375 1.533 40
26 0.817 0.921 1.048 1.195 1.364 1.534 1.706 41
27 0.888 1.010 1.153 1.320 1.517 1.712 1.896 42
28 0.981 1.113 1.269 1.456 1.679 1.892 2.110 43
29 1.110 1.254 1.422 1.626 1.857 2.093 2.347 44
30 1.235 1.398 1.584 1.799 2.049 2.312 2.621 45
31 1.357 1.539 1.744 1.979 2.259 2.560 2.901 46
32 1.486 1.687 1.919 2.184 2.501 2.833 3.227 47
33 1.616 1.842 2.103 2.417 2.772 3.156 3.606 48
34 1.718 1.979 2.282 2.643 3.060 3.505 4.057 49
35 1.876 2.174 2.511 2.923 3.402 3.917 4.553 50
36 2.085 2.408 2.785 3.254 3.800 4.374 5.051 51
37 2.313 2.670 3.088 3.609 4.214 4.856 5.535 52
38 2.570 2.953 3.416 3.972 4.636 5.360 6.070 53
39 2.847 3.267 3.758 4.359 5.081 5.900 6.669 54
40 3.161 3.602 4.123 4.768 5.554 6.481 7.378 55
41 3.483 3.960 4.524 5.218 6.082 7.112 8.199 56
42 3.820 4.346 4.972 5.728 6.666 7.803 9.094 57
43 4.166 4.759 5.466 6.301 7.316 8.552 10.032 58
44 4.517 5.202 6.001 6.933 8.038 9.366 10.981 59
45 4.900 5.680 6.579 7.620 8.830 10.235 11.940 60
46 5.316 6.188 7.193 8.364 9.664 11.180 12.984 61
47 5.794 6.743 7.855 9.127 10.564 12.234 14.138 62
48 6.333 7.346 8.531 9.931 11.538 13.390 15.468 63
49 6.930 7.978 9.247 10.792 12.584 14.648 16.947 64
50 7.537 8.635 10.013 11.705 13.690 15.984 18.526 65
51 8.157 9.359 10.879 12.761 15.005 17.607 20.506 66
52 8.786 10.137 11.853 13.989 16.555 19.552 22.917 67
53 9.395 10.908 12.812 15.168 17.990 21.336 25.102 68
54 10.005 11.719 13.884 16.515 19.676 23.438 27.651 69
55 10.623 12.535 14.934 17.825 21.259 25.406 29.937 70
56 11.264 13.389 16.045 19.203 22.96_ 27.539 32.633 71
57 11.947 14.265 17.130 20.542 24.605 29.519 35.183 72
58 12.688 15.176 18.266 21.964 26.361 31.701 37.799 73
59 13.486 16.181 19.543 23.617 28.530 34.437 41.176 74
60 14.356 17.215 20.789 25.211 30.563 36.977 44.476 75
51 15.297 18.362 22.246 27.105 33.052 40.311 48.703 76
62 16.314 19.568 23.705 28.950 35.543 43.397 52.591 77
63 17.358 20.864 25.366 31.260 38.529 47.187 57.524 78
64 18.437 22.229 27.254 33.719 41.709 51.204 62.716 79
65 19.667 23.872 29.345 36.399 45.122 55.476 63.024 80
66 21.233 25.792 31.732 39.360 48.781 60.022 73.305 81
67 23.149 28.097 34.486 42.645 52.740 64.834 78.934 82
63 25.504 30.860 37.660 46.309 56.987 69.905 84.816 83
69 28.274 34.045 41.246 50.300 61.488 75.204 91.399 84
70 31.391 37.618 45.168 54.577 66.218 80.698 98.506 85
71 33.606 40.336 48.496 58.667 71.238 86.892 105.141 86
72 35.949 43.320 52.273 63.423 77.236 94.428 113.368 87
73 38.363 46.418 56.194 68.394 83.491 101.823 122.826 88
74 40.253 48.766 59.113 72.014 87.985 107.382 129.779 89
75 41.432 50.275 61.010 74.390 91.649 111.407 134.875 90
76 42.127 51.063 61.906 75.985 93.542 113.401 137.264 91
77 42.750 51.769 63.178 77.487 95.351 115.282 139.521 92
78 44.227 53.913 65.743 80.599 99.039 119.273 145.527 93
79 47.148 57.430 70.002 85.766 104.520 126.961 155.098 94
80 50.002 60.880 74.161 90.811 110.708 134.653 164.658 95
181.124 96
199.237 97
219.160 98
241.076 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
MALE SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
------ ------ ------ ------ ------ ------ ------ ------ ------
18 0.821 0.911 0.985 1.643 1.705 1.678 1.641 1.616 1.588
19 0.785 0.882 1.555 1.558 1.592 1.562 1.537 1.508 1.509
20 0.732 1.359 1.469 1.462 1.476 1.423 1.425 1.409 1.424
21 1.060 1.257 1.396 1.402 1.426 1.396 1.462 1.497 1.581
22 0.941 1.128 1.272 1.275 1.294 1.309 1.342 1.389 1.493
23 0.847 1.009 1.153 1.153 1.196 1.212 1.256 1.322 1.412
24 0.747 0.894 1.023 1.061 1.103 1.144 1.190 1.260 1.355
25 0.679 0.803 0.946 0.985 1.062 1.120 1.172 1.248 1.355
26 0.640 0.768 0.898 0.958 1.064 1.143 1.204 1.294 1.417
27 0.639 0.747 0.884 0.973 1.087 1.188 1.277 1.385 1.527
28 0.653 0.768 0.911 1.007 1.130 1.261 1.367 1.507 1.675
29 0.693 0.816 0.957 1.063 1.216 1.367 1.507 1.675 1.877
30 0.738 0.871 1.024 1.132 1.302 1.487 1.640 1.852 2.097
31 0.768 0.922 1.077 1.211 1.386 1.596 1.790 2.015 2.303
32 0.794 0.958 1.141 1.277 1.476 1.715 1.947 2.201 2.518
33 0.797 0.984 1.183 1.351 1.589 1.854 2.114 2.396 2.734
34 0.779 0.987 1.214 1.413 1.683 1.974 2.255 2.566 2.918
35 0.790 1.027 1.291 1.536 1.826 2.162 2.467 2.813 3.200
36 0.812 1.097 1.413 1.689 2.038 2.407 2.764 3.139 3.555
37 0.867 1.190 1.554 1.883 2.276 2.691 3.078 3.505 3.970
38 0.943 1.312 1.747 2.115 2.553 3.004 3.432 3.920 4.410
39 1.038 1.483 1.966 2.373 2.846 3.358 3.833 4.348 4.904
40 1.157 1.668 2.211 2.669 3.178 3.734 4.248 4.816 5.427
41 1.279 1.855 2.483 2.980 3.544 4.136 4.679 5.301 5.994
42 1.402 2.056 2.746 3.300 3.911 4.554 5.150 5.829 6.576
43 1.526 2.247 3.017 3.610 4.281 4.987 5.628 6.348 7.124
44 1.652 2.445 3.278 3.934 4.654 5.426 6.108 6.858 7.664
45 1.793 2.646 3.553 4.284 5.069 5.893 6.618 7.398 8.254
46 1.927 2.849 3.843 4.663 5.536 6.415 7.183 8.026 8.954
47 2.063 3.086 4.183 5.082 6.070 7.019 7.837 8.751 9.833
48 2.200 3.350 4.565 5.554 6.683 7.748 8.638 9.631 10.856
49 2.349 3.630 4.977 6.079 7.357 8.562 9.568 10.655 11.957
50 2.494 3.940 5.419 6.640 8.053 9.417 10.554 11.744 13.085
51 2.646 4.257 5.896 7.222 8.751 10.277 11.531 12.834 14.181
52 2.806 4.596 6.382 7.808 9.432 11.079 12.446 13.807 15.241
53 2.976 4.933 6.862 8.365 10.080 11.795 13.197 14.658 16.271
54 3.167 5.276 7.337 8.916 10.707 12.412 13.864 15.455 17.251
55 3.364 5.649 7.855 9.504 11.312 13.046 14.553 16.229 18.247
56 3.603 6.064 8.434 10.134 11.970 13.750 15.319 17.095 19.247
57 3.893 6.559 9.080 10.862 12.732 14.593 16.249 18.088 20.283
58 4.236 7.133 9.861 11.748 13.688 15.673 17.393 19.276 21.453
59 4.629 7.802 10.774 12.776 14.863 16.966 18.743 20.634 22.859
60 5.070 8.550 11.771 13.912 16.197 18.403 20.225 22.141 24.436
61 5.587 9.335 12.806 15.121 17.588 19.899 21.783 23.737 26.152
62 6.160 10.125 13.824 16.365 18.944 21.400 23.346 25.413 27.971
63 6.791 11.021 14.936 17.611 20.259 22.802 24.838 27.043 29.766
64 7.485 12.064 16.170 18.865 21.550 24.182 26.301 28.632 31.609
65 8.239 13.129 17.434 20.086 22.880 25.628 27.841 30.410 33.682
66 9.031 14.128 18.578 21.279 24.263 27.200 29.652 32.534 36.179
67 9.888 14.946 19.497 22.429 25.715 29.019 31.832 35.169 39.468
68 10.783 15.631 20.246 23.499 27.268 31.129 34.532 38.665 43.554
69 11.733 16.278 20.920 24.538 28.905 33.543 37.915 42.846 48.415
70 12.721 16.839 21.530 25.516 30.606 36.362 41.741 47.621 53.933
71 13.644 18.056 23.059 27.296 32.869 39.015 44.770 51.037 57.754
72 14.630 19.336 24.666 29.323 35.278 41.856 47.994 54.661 61.841
73 15.647 20.660 26.465 31.427 37.793 44.805 51.321 58.437 66.053
74 16.450 21.808 27.900 33.119 39.801 47.146 53.987 61.420 69.360
75 17.051 22.579 28.881 34.260 41.132 48.703 55.726 63.345 71.475
76 17.456 23.106 29.534 35.005 42.009 49.704 56.820 64.531 72.733
77 17.848 23.606 30.150 35.722 42.832 50.634 57.834 65.612 73.888
78 18.608 24.591 31.396 37.166 44.525 52.589 60.004 68.015 76.513
79 19.843 26.213 33.439 39.549 47.339 55.854 63.675 72.099 81.030
80 21.058 27.796 35.426 41.863 50.056 59.009 67.199 76.018 86.000
[x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 [x]+15
------ ------- ------- ------- ------- ------- -------
18 1.575 1.507 1.556 1.607 1.645 1.646 1.632 33
19 1.510 1.471 1.553 1.605 1.646 1.657 1.669 34
20 1.466 1.445 1.527 1.568 1.630 1.677 1.694 35
21 1.693 1.669 1.696 1.724 1.756 1.786 1.773 36
22 1.607 1.613 1.641 1.702 1.762 1.825 1.858 37
23 1.531 1.574 1.624 1.719 1.819 1.901 1.997 38
24 1.482 1.576 1.632 1.765 1.906 2.027 2.153 39
25 1.496 1.607 1.717 1.891 2.069 2.207 2.373 40
26 1.575 1.712 1.876 2.063 2.271 2.462 2.641 41
27 1.711 1.876 2.065 2.280 2.526 2.748 2.935 42
28 1.891 2.067 2.273 2.515 2.795 3.037 3.265 43
29 2.139 2.329 2.547 2.807 3.091 3.360 3.633 44
30 2.380 2.598 2.838 3.106 3.411 3.711 4.056 45
31 2.615 2.859 3.123 3.418 3.761 4.109 4.490 46
32 2.865 3.134 3.438 3.771 4.163 4.547 4.994 47
33 3.115 3.423 3.767 4.174 4.615 5.066 5.582 48
34 3.311 3.677 4.087 4.564 5.093 5.627 6.280 49
35 3.616 4.040 4.497 5.048 5.664 6.287 7.047 50
36 4.020 4.474 4.988 5.618 6.327 7.022 7.817 51
37 4.460 4.960 5.531 6.232 7.015 7.794 8.567 52
38 4.954 5.487 6.118 6.859 7.718 8.604 9.396 53
39 5.489 6.071 6.731 7.526 8.459 9.471 10.323 54
40 6.094 6.693 7.384 8.232 9.247 10.403 11.420 55
41 6.715 7.358 8.102 9.009 10.124 11.415 12.691 56
42 7.364 8.075 8.905 9.890 11.097 12.525 14.075 57
43 8.031 8.842 9.789 10.880 12.180 13.727 15.528 58
44 8.709 9.666 10.747 11.971 13.381 15.034 16.996 59
45 9.446 10.555 11.784 13.158 14.700 16.429 18.482 60
46 10.249 11.498 12.883 14.441 16.087 17.945 20.097 61
47 11.170 12.530 14.068 15.760 17.587 19.638 21.883 62
48 12.208 13.650 15.279 17.147 19.208 21.493 23.941 63
49 13.360 14.823 16.561 18.634 20.949 23.512 26.231 64
50 14.530 16.044 17.934 20.210 22.790 25.657 28.675 65
51 15.725 17.390 19.485 22.033 24.980 28.262 31.739 66
52 16.938 18.835 21.229 24.153 27.560 31.384 35.472 67
53 18.112 20.268 22.947 26.190 29.949 34.249 38.853 68
54 19.288 21.775 24.868 28.517 32.75_ 37.622 42.798 69
55 20.479 23.291 26.747 30.777 35.3__ 40.781 46.336 70
56 21.715 24.878 28.738 33.156 38.2__ 44.205 50.510 71
57 23.031 26.505 30.680 35.469 40.962 47.384 54.456 72
58 24.461 28.198 32.715 37.925 43.885 50.886 58.506 73
59 26.000 30.066 35.002 40.779 47.495 55.278 63.732 74
60 27.676 31.986 37.234 43.530 50.881 59.355 68.840 75
61 29.491 34.118 39.843 46.801 55.023 64.707 75.384 76
62 31.450 36.358 42.457 49.987 59.170 69.661 81.401 77
63 33.463 38.766 45.431 53.975 64.141 75.743 89.037 78
64 35.544 41.302 48.813 58.222 69.436 82.191 97.072 79
65 37.915 44.355 52.558 62.848 75.118 89.049 105.289 80
66 40.935 47.922 56.834 67.961 81.208 96.346 113.462 81
67 44.627 52.206 61.766 73.633 87.800 104.071 122.175 82
68 49.168 57.339 67.451 79.960 94.870 112.211 131.279 83
69 54.508 63.258 73.873 86.851 102.362 120.716 141.469 84
70 60.517 69.896 80.897 94.235 110.237 129.536 152.470 85
71 64.788 74.947 86.858 101.298 118.594 139.477 163.086 86
72 69.305 80.491 93.623 109.509 128.580 151.575 176.249 87
73 73.958 86.248 100.646 118.093 138.993 163.059 191.381 88
74 77.602 90.609 105.874 124.343 146.473 172.284 202.506 89
75 79.875 93.414 109.272 128.446 152.563 178.961 210.659 90
76 81.214 94.879 110.876 131.200 155.399 182.270 214.483 91
77 82.416 96.190 113.154 133.793 158.109 185.392 218.093 92
78 85.263 100.173 117.749 139.167 163.753 192.014 227.703 93
79 90.895 106.708 125.377 148.089 173.186 204.771 243.017 94
80 96.396 113.119 132.826 156.366 183.835 217.534 258.313 95
284.144 96
312.559 97
343.815 98
378.196 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
FEMALE PREFERRED NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
----- ----- ----- ------ ------ ------ ------ ------ ------
0 0.402 0.254 0.211 0.172 0.161 0.147 0.136 0.122 0.112
1 0.402 0.254 0.211 0.172 0.161 0.147 0.136 0.122 0.112
2 0.254 0.197 0.172 0.156 0.141 0.136 0.122 0.112 0.108
3 0.197 0.160 0.156 0.136 0.131 0.122 0.112 0.108 0.108
4 0.160 0.145 0.136 0.126 0.117 0.112 0.108 0.108 0.115
5 0.145 0.127 0.126 0.113 0.107 0.108 0.108 0.115 0.147
6 0.127 0.118 0.113 0.104 0.104 0.108 0.115 0.147 0.182
7 0.118 0.106 0.104 0.100 0.104 0.115 0.147 0.182 0.234
8 0.106 0.097 0.100 0.100 0.111 0.147 0.182 0.234 0.283
9 0.097 0.094 0.100 0.107 0.141 0.182 0.234 0.283 0.332
10 0.094 0.094 0.107 0.136 0.174 0.234 0.283 0.332 0.374
11 0.094 0.100 0.136 0.168 0.224 0.283 0.332 0.374 0.405
12 0.100 0.127 0.168 0.217 0.271 0.332 0.374 0.405 0.416
13 0.127 0.157 0.217 0.262 0.318 0.374 0.405 0.416 0.309
14 0.157 0.203 0.262 0.308 0.358 0.405 0.416 0.309 0.296
15 0.200 0.242 0.301 0.337 0.375 0.409 0.309 0.296 0.287
16 0.242 0.281 0.324 0.347 0.375 0.303 0.296 0.287 0.278
17 0.284 0.305 0.340 0.352 0.287 0.292 0.285 0.278 0.272
18 0.290 0.308 0.342 0.268 0.280 0.279 0.272 0.267 0.263
19 0.283 0.304 0.255 0.255 0.262 0.260 0.256 0.251 0.249
20 0.269 0.221 0.242 0.240 0.244 0.239 0.240 0.235 0.237
21 0.194 0.214 0.237 0.234 0.236 0.232 0.237 0.238 0.244
22 0.185 0.206 0.232 0.229 0.230 0.231 0.233 0.234 0.242
23 0.181 0.200 0.228 0.225 0.229 0.232 0.233 0.237 0.246
24 0.174 0.193 0.222 0.224 0.230 0.236 0.236 0.243 0.255
25 0.169 0.186 0.217 0.222 0.233 0.241 0.245 0.255 0.271
26 0.161 0.178 0.207 0.214 0.231 0.245 0.252 0.266 0.285
27 0.161 0.175 0.204 0.216 0.236 0.256 0.270 0.287 0.313
28 0.164 0.177 0.205 0.220 0.243 0.270 0.287 0.313 0.345
29 0.169 0.181 0.209 0.227 0.256 0.287 0.313 0.345 0.382
30 0.175 0.190 0.221 0.240 0.273 0.313 0.342 0.382 0.427
31 0.179 0.198 0.231 0.254 0.290 0.337 0.373 0.415 0.469
32 0.180 0.201 0.239 0.264 0.305 0.356 0.399 0.446 0.504
33 0.176 0.202 0.243 0.275 0.322 0.378 0.426 0.477 0.537
34 0.171 0.202 0.250 0.287 0.340 0.402 0.453 0.509 0.573
35 0.171 0.208 0.262 0.307 0.365 0.433 0.488 0.551 0.621
36 0.171 0.215 0.278 0.329 0.394 0.468 0.532 0.598 0.671
37 0.177 0.226 0.297 0.355 0.427 0.508 0.576 0.650 0.730
38 0.190 0.247 0.329 0.394 0.474 0.562 0.636 0.721 0.812
39 0.207 0.275 0.366 0.437 0.523 0.622 0.705 0.800 0.905
40 0.223 0.300 0.400 0.478 0.568 0.674 0.767 0.872 0.984
41 0.239 0.324 0.436 0.519 0.617 0.733 0.831 0.943 1.068
42 0.259 0.356 0.478 0.570 0.681 0.808 0.916 1.039 1.178
43 0.274 0.378 0.511 0.612 0.733 0.870 0.983 1.115 1.262
44 0.288 0.400 0.545 0.655 0.782 0.929 1.051 1.190 1.347
45 0.304 0.424 0.579 0.700 0.836 0.993 1.125 1.274 1.441
46 0.320 0.448 0.615 0.747 0.898 1.068 1.211 1.373 1.554
47 0.336 0.476 0.656 0.801 0.972 1.159 1.312 1.487 1.702
48 0.351 0.506 0.704 0.864 1.061 1.269 1.436 1.631 1.876
49 0.368 0.539 0.757 0.937 1.158 1.391 1.585 1.800 2.063
50 0.383 0.577 0.816 1.014 1.258 1.524 1.742 1.980 2.251
51 0.410 0.632 0.900 1.120 1.393 1.697 1.944 2.208 2.498
52 0.441 0.691 0.989 1.233 1.531 1.868 2.141 2.432 2.748
53 0.474 0.753 1.084 1.348 1.671 2.029 2.324 2.642 2.992
54 0.512 0.821 1.182 1.467 1.811 2.186 2.499 2.842 3.235
55 0.554 0.897 1.292 1.596 1.959 2.352 2.676 3.043 3.489
56 0.606 0.983 1.416 1.742 2.122 2.528 2.873 3.268 3.755
57 0.668 1.085 1.561 1.911 2.302 2.737 3.107 3.529 4.042
58 0.742 1.208 1.735 2.108 2.524 2.997 3.393 3.841 4.368
59 0.830 1.352 1.934 2.338 2.794 3.310 3.735 4.202 4.755
60 0.931 1.512 2.154 2.596 3.107 3.667 4.118 4.606 5.200
61 1.046 1.683 2.390 2.879 3.446 4.052 4.532 5.051 5.693
62 1.176 1.861 2.632 3.183 3.793 4.452 4.968 5.532 6.225
63 1.322 2.067 2.905 3.500 4.145 4.852 5.407 6.019 6.777
64 1.487 2.312 3.213 3.830 4.509 5.264 5.854 6.519 7.358
65 1.671 2.570 3.540 4.171 4.898 5.704 6.339 7.079 8.018
66 1.872 2.826 3.858 4.521 5.310 6.193 6.903 7.744 8.804
67 2.094 3.058 4.142 4.872 5.758 6.755 7.577 8.558 9.764
68 2.336 3.272 4.398 5.222 6.242 7.410 8.403 9.565 10.962
69 2.600 3.484 4.649 5.575 6.766 8.163 9.380 10.784 12.392
70 2.883 3.686 4.892 5.928 7.324 8.996 10.506 12.189 14.048
71 3.163 4.041 5.357 6.483 7.996 9.820 11.459 13.294 15.319
72 3.467 4.426 5.859 7.080 8.732 10.713 12.501 14.498 16.704
73 3.792 4.834 6.390 7.720 9.513 11.670 13.612 15.785 18.175
74 4.076 5.188 6.854 8.274 10.195 12.505 14.582 16.900 19.455
75 4.295 5.464 7.215 8.710 10.729 13.155 15.334 17.768 20.452
76 4.473 5.687 7.508 9.062 11.158 13.677 15.938 18.465 21.247
77 4.651 5.912 7.805 9.417 11.590 14.203 16.549 19.167 22.050
78 4.934 6.272 8.277 9.981 12.281 15.048 17.529 20.298 23.349
79 5.358 6.808 8.980 10.827 13.321 16.317 19.002 22.002 25.306
80 5.791 7.354 9.698 11.692 14.380 17.610 20.507 23.741 27.290
[x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------ ------ -------
0 0.108 0.108 0.115 0.147 0.182 0.234 0.283 15
1 0.108 0.108 0.115 0.147 0.182 0.234 0.283 16
2 0.108 0.115 0.147 0.182 0.234 0.283 0.332 17
3 0.115 0.147 0.182 0.234 0.283 0.332 0.374 18
4 0.147 0.182 0.234 0.283 0.332 0.374 0.405 19
5 0.182 0.234 0.283 0.332 0.374 0.405 0.416 20
6 0.234 0.283 0.332 0.374 0.405 0.416 0.326 21
7 0.283 0.332 0.374 0.405 0.416 0.323 0.313 22
8 0.332 0.374 0.405 0.416 0.320 0.310 0.303 23
9 0.374 0.405 0.416 0.317 0.307 0.300 0.296 24
10 0.405 0.416 0.314 0.304 0.297 0.293 0.287 25
11 0.416 0.311 0.302 0.295 0.291 0.284 0.280 26
12 0.309 0.299 0.292 0.288 0.282 0.278 0.268 27
13 0.296 0.289 0.286 0.279 0.275 0.266 0.276 28
14 0.287 0.283 0.277 0.273 0.264 0.274 0.281 29
15 0.278 0.274 0.271 0.261 0.272 0.279 0.287 30
16 0.272 0.266 0.259 0.269 0.276 0.285 0.293 31
17 0.265 0.258 0.268 0.275 0.283 0.291 0.293 32
18 0.259 0.253 0.264 0.275 0.285 0.294 0.296 33
19 0.249 0.245 0.260 0.273 0.285 0.291 0.304 34
20 0.241 0.239 0.256 0.269 0.287 0.303 0.318 35
21 0.252 0.255 0.269 0.285 0.304 0.327 0.345 36
22 0.253 0.262 0.276 0.298 0.324 0.354 0.381 37
23 0.260 0.274 0.290 0.318 0.350 0.380 0.416 38
24 0.274 0.296 0.315 0.350 0.389 0.425 0.466 39
25 0.294 0.322 0.351 0.394 0.439 0.479 0.526 40
26 0.314 0.347 0.386 0.430 0.482 0.530 0.577 41
27 0.348 0.385 0.428 0.478 0.535 0.588 0.635 42
28 0.385 0.424 0.471 0.525 0.587 0.644 0.700 43
29 0.430 0.473 0.521 0.578 0.643 0.706 0.772 44
30 0.480 0.527 0.578 0.638 0.706 0.775 0.855 45
31 0.526 0.577 0.635 0.699 0.775 0.853 0.948 46
32 0.566 0.622 0.685 0.756 0.839 0.929 1.036 47
33 0.606 0.670 0.742 0.827 0.929 1.036 1.160 48
34 0.644 0.719 0.803 0.909 1.030 1.155 1.308 49
35 0.696 0.779 0.877 0.996 1.132 1.271 1.446 50
36 0.753 0.848 0.956 1.090 1.242 1.398 1.585 51
37 0.821 0.924 1.042 1.188 1.366 1.534 1.724 52
38 0.914 1.021 1.147 1.301 1.489 1.686 1.878 53
39 1.015 1.131 1.269 1.439 1.649 1.882 2.094 54
40 1.107 1.230 1.376 1.563 1.790 2.055 2.311 55
41 1.202 1.341 1.509 1.717 1.976 2.290 2.619 56
42 1.330 1.491 1.682 1.914 2.207 2.563 2.967 57
43 1.441 1.628 1.852 2.123 2.454 2.858 3.339 58
44 1.553 1.776 2.044 2.358 2.733 3.183 3.742 59
45 1.675 1.943 2.254 2.619 3.042 3.548 4.165 60
46 1.813 2.121 2.481 2.901 3.384 3.953 4.620 61
47 1.973 2.310 2.705 3.172 3.705 4.317 5.019 62
48 2.154 2.511 2.942 3.455 4.037 4.712 5.474 63
49 2.352 2.730 3.191 3.744 4.389 5.136 5.980 64
50 2.559 2.967 3.471 4.093 4.830 5.696 6.678 65
51 2.835 3.272 3.826 4.515 5.347 6.328 7.438 66
52 3.114 3.596 4.207 4.974 5.906 7.004 8.244 67
53 3.397 3.935 4.617 5.468 6.494 7.713 9.101 68
54 3.688 4.292 5.060 5.995 7.116 8.460 9.967 69
55 3.995 4.677 5.534 6.562 7.789 9.271 10.880 70
56 4.327 5.092 6.044 7.178 8.527 10.156 11.967 71
57 4.690 5.543 6.600 7.855 9.340 11.136 13.191 72
58 5.089 6.031 7.200 8.588 10.237 12.227 14.492 73
59 5.532 6.562 7.837 9.378 11.220 13.426 15.921 74
60 6.025 7.138 8.529 10.236 12.292 14.738 17.482 75
61 6.564 7.799 9.357 11.302 13.671 16.461 19.664 76
62 7.161 8.531 10.275 12.483 15.174 18.372 22.084 77
63 7.790 9.349 11.356 13.915 17.079 20.836 25.336 78
64 8.461 10.196 12.437 15.332 18.903 23.162 28.354 79
65 9.227 11.189 13.760 17.080 21.215 26.166 32.206 80
66 10.127 12.315 15.171 18.865 23.470 29.004 35.605 81
67 11.232 13.711 16.942 21.111 26.317 32.631 40.108 82
68 12.585 15.344 18.886 23.427 29.098 36.060 44.241 83
69 14.198 17.324 21.264 26.276 32.566 40.409 49.859 84
70 16.052 19.589 23.942 29.450 36.384 45.163 56.170 85
71 17.500 21.501 26.444 32.713 40.614 50.642 61.521 86
72 19.070 23.680 29.401 36.664 45.852 57.213 68.357 87
73 20.745 26.038 32.615 40.991 51.611 62.974 75.896 88
74 22.206 28.057 35.348 44.652 56.394 67.777 82.180 89
75 23.334 29.687 37.618 47.746 59.517 71.937 87.684 90
76 24.237 30.832 39.064 49.553 61.239 74.126 90.451 91
77 25.150 31.991 40.507 51.373 62.984 76.332 93.252 92
78 26.628 33.850 42.853 54.348 65.826 79.943 97.798 93
79 28.843 36.658 46.408 58.190 70.136 85.385 104.698 94
80 31.098 39.524 50.025 61.656 74.501 90.923 111.729 95
122.902 96
135.192 97
148.712 98
163.583 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
FEMALE NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
------ ------ ------ ------ ------ ------ ------ ------ ------
0 0.543 0.339 0.259 0.209 0.187 0.161 0.150 0.134 0.123
1 0.543 0.339 0.259 0.209 0.187 0.161 0.150 0.134 0.123
2 0.343 0.262 0.211 0.189 0.163 0.150 0.134 0.123 0.119
3 0.265 0.214 0.191 0.165 0.152 0.134 0.123 0.119 0.119
4 0.216 0.194 0.167 0.154 0.136 0.123 0.119 0.119 0.127
5 0.196 0.169 0.155 0.138 0.124 0.119 0.119 0.127 0.161
6 0.171 0.157 0.139 0.126 0.121 0.119 0.127 0.161 0.200
7 0.159 0.141 0.127 0.122 0.121 0.127 0.161 0.200 0.257
8 0.143 0.129 0.124 0.122 0.128 0.161 0.200 0.257 0.311
9 0.131 0.125 0.124 0.130 0.163 0.200 0.257 0.311 0.365
10 0.126 0.125 0.131 0.165 0.202 0.257 0.311 0.365 0.411
11 0.126 0.133 0.167 0.205 0.260 0.311 0.365 0.411 0.445
12 0.135 0.169 0.207 0.264 0.315 0.365 0.411 0.445 0.457
13 0.171 0.210 0.267 0.319 0.369 0.411 0.445 0.457 0.490
14 0.212 0.270 0.323 0.374 0.416 0.445 0.457 0.490 0.470
15 0.269 0.323 0.371 0.409 0.435 0.449 0.490 0.470 0.455
16 0.326 0.375 0.398 0.421 0.435 0.481 0.470 0.455 0.441
17 0.383 0.407 0.418 0.428 0.482 0.464 0.453 0.442 0.431
18 0.391 0.411 0.421 0.470 0.469 0.443 0.431 0.424 0.418
19 0.381 0.405 0.453 0.448 0.439 0.413 0.406 0.399 0.395
20 0.362 0.425 0.430 0.421 0.409 0.379 0.381 0.373 0.376
21 0.379 0.413 0.421 0.411 0.396 0.368 0.376 0.378 0.387
22 0.361 0.397 0.411 0.401 0.386 0.367 0.369 0.371 0.384
23 0.353 0.385 0.405 0.395 0.385 0.369 0.371 0.376 0.390
24 0.338 0.372 0.394 0.393 0.386 0.374 0.375 0.385 0.405
25 0.329 0.358 0.385 0.389 0.391 0.383 0.389 0.405 0.431
26 0.314 0.342 0.368 0.376 0.388 0.389 0.400 0.422 0.453
27 0.314 0.336 0.362 0.379 0.395 0.407 0.429 0.456 0.497
28 0.319 0.340 0.364 0.386 0.407 0.429 0.456 0.497 0.547
29 0.329 0.348 0.371 0.398 0.429 0.456 0.497 0.547 0.606
30 0.342 0.366 0.393 0.421 0.457 0.497 0.543 0.606 0.678
31 0.349 0.382 0.410 0.446 0.487 0.534 0.592 0.658 0.745
32 0.351 0.388 0.424 0.464 0.511 0.565 0.633 0.709 0.800
33 0.344 0.388 0.432 0.483 0.540 0.599 0.677 0.757 0.853
34 0.333 0.389 0.443 0.504 0.570 0.638 0.720 0.808 0.909
35 0.332 0.400 0.465 0.539 0.611 0.688 0.775 0.874 0.986
36 0.332 0.414 0.493 0.577 0.661 0.742 0.844 0.949 1.066
37 0.344 0.435 0.527 0.623 0.715 0.806 0.914 1.031 1.159
38 0.370 0.475 0.585 0.691 0.794 0.892 1.010 1.144 1.289
39 0.403 0.531 0.650 0.767 0.877 0.988 1.119 1.271 1.436
40 0.435 0.578 0.710 0.839 0.953 1.069 1.218 1.384 1.562
41 0.465 0.624 0.775 0.910 1.034 1.163 1.318 1.497 1.695
42 0.505 0.685 0.849 1.000 1.142 1.283 1.454 1.649 1.869
43 0.534 0.728 0.907 1.074 1.228 1.380 1.561 1.769 2.002
44 0.562 0.770 0.967 1.149 1.311 1.475 1.668 1.889 2.139
45 0.592 0.817 1.029 1.228 1.401 1.577 1.786 2.023 2.288
46 0.624 0.863 1.092 1.311 1.506 1.695 1.923 2.179 2.467
47 0.655 0.917 1.166 1.406 1.630 1.839 2.082 2.360 2.702
48 0.685 0.975 1.250 1.516 1.779 2.014 2.279 2.589 2.977
49 0.716 1.039 1.344 1.644 1.941 2.209 2.515 2.857 3.274
50 0.747 1.111 1.449 1.779 2.108 2.419 2.766 3.143 3.573
51 0.800 1.216 1.599 1.964 2.335 2.693 3.086 3.504 3.964
52 0.859 1.332 1.757 2.164 2.567 2.965 3.398 3.860 4.361
53 0.924 1.451 1.925 2.365 2.801 3.221 3.689 4.194 4.749
54 0.998 1.581 2.100 2.574 3.036 3.470 3.967 4.511 5.135
55 1.080 1.727 2.296 2.800 3.284 3.733 4.248 4.831 5.537
56 1.180 1.893 2.515 3.057 3.557 4.013 4.560 5.188 5.960
57 1.302 2.089 2.772 3.354 3.859 4.344 4.931 5.601 6.415
58 1.446 2.326 3.082 3.700 4.231 4.756 5.386 6.097 6.934
59 1.618 2.604 3.434 4.103 4.684 5.254 5.928 6.669 7.548
60 1.814 2.911 3.827 4.555 5.209 5.821 6.537 7.311 8.253
61 2.038 3.242 4.244 5.052 5.777 6.432 7.193 8.017 9.036
62 2.292 3.585 4.675 5.585 6.358 7.067 7.885 8.781 9.882
63 2.576 3.982 5.159 6.142 6.947 7.701 8.582 9.554 10.757
64 2.897 4.452 5.708 6.721 7.559 8.355 9.291 10.347 11.679
65 3.257 4.951 6.287 7.320 8.210 9.054 10.062 11.236 12.726
66 3.649 5.443 6.853 7.933 8.901 9.830 10.956 12.292 13.975
67 4.081 5.889 7.357 8.549 9.651 10.722 12.027 13.585 15.499
68 4.552 6.301 7.811 9.163 10.463 11.762 13.339 15.183 17.400
69 5.067 6.709 8.257 9.783 11.341 12.957 14.889 17.117 19.670
70 5.618 7.100 8.688 10.402 12.277 14.279 16.676 19.348 22.298
71 6.164 7.784 9.515 11.376 13.404 15.587 18.189 21.101 24.316
72 6.757 8.524 10.406 12.424 14.636 17.006 19.843 23.013 26.514
73 7.390 9.310 11.350 13.547 15.945 18.524 21.607 25.055 28.850
74 7.943 9.991 12.173 14.518 17.088 19.849 23.147 26.826 30.881
75 8.370 10.524 12.815 15.283 17.983 20.881 24.339 28.203 32.464
76 8.717 10.952 13.335 15.901 18.704 21.709 25.298 29.310 33.726
77 9.064 11.387 13.863 16.525 19.427 22.544 26.268 30.424 35.001
78 9.617 12.079 14.701 17.514 20.586 23.886 27.824 32.219 37.062
79 10.443 13.112 15.950 18.999 22.329 25.900 30.163 34.924 40.169
80 11.286 14.164 17.225 20.516 24.104 27.953 32.550 37.684 43.317
[x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------- ------- -------
0 0.119 0.119 0.127 0.161 0.200 0.257 0.311 15
1 0.119 0.119 0.127 0.161 0.200 0.257 0.311 16
2 0.119 0.127 0.161 0.200 0.257 0.311 0.365 17
3 0.127 0.161 0.200 0.257 0.311 0.365 0.411 18
4 0.161 0.200 0.257 0.311 0.365 0.411 0.445 19
5 0.200 0.257 0.311 0.365 0.411 0.445 0.457 20
6 0.257 0.311 0.365 0.411 0.445 0.457 0.433 21
7 0.311 0.365 0.411 0.445 0.457 0.443 0.416 22
8 0.365 0.411 0.445 0.457 0.452 0.425 0.403 23
9 0.411 0.445 0.457 0.462 0.434 0.411 0.394 24
10 0.445 0.457 0.471 0.443 0.420 0.402 0.381 25
11 0.457 0.480 0.452 0.429 0.411 0.390 0.373 26
12 0.490 0.461 0.438 0.419 0.398 0.381 0.357 27
13 0.470 0.446 0.428 0.406 0.389 0.365 0.368 28
14 0.455 0.436 0.415 0.397 0.373 0.376 0.374 29
15 0.441 0.423 0.405 0.380 0.384 0.382 0.382 30
16 0.431 0.410 0.388 0.392 0.390 0.390 0.390 31
17 0.421 0.399 0.402 0.400 0.400 0.399 0.390 32
18 0.410 0.391 0.396 0.400 0.403 0.399 0.393 33
19 0.395 0.378 0.390 0.397 0.403 0.404 0.405 34
20 0.383 0.369 0.384 0.391 0.405 0.416 0.423 35
21 0.399 0.393 0.403 0.415 0.429 0.448 0.459 36
22 0.401 0.404 0.413 0.433 0.457 0.485 0.506 37
23 0.413 0.422 0.435 0.463 0.495 0.521 0.553 38
24 0.434 0.456 0.472 0.510 0.550 0.583 0.620 39
25 0.466 0.497 0.526 0.573 0.621 0.657 0.699 40
26 0.498 0.535 0.578 0.626 0.681 0.727 0.768 41
27 0.552 0.594 0.641 0.696 0.756 0.806 0.845 42
28 0.611 0.654 0.705 0.764 0.830 0.884 0.931 43
29 0.682 0.729 0.780 0.842 0.908 0.969 1.027 44
30 0.761 0.812 0.866 0.928 0.998 1.063 1.138 45
31 0.835 0.891 0.951 1.018 1.095 1.170 1.261 46
32 0.899 0.959 1.027 1.100 1.185 1.274 1.378 47
33 0.962 1.033 1.111 1.204 1.312 1.421 1.544 48
34 1.023 1.108 1.203 1.323 1.455 1.583 1.740 49
35 1.104 1.202 1.314 1.450 1.599 1.743 1.923 50
36 1.195 1.307 1.433 1.586 1.754 1.917 2.109 51
37 1.303 1.425 1.562 1.728 1.916 2.104 2.294 52
38 1.451 1.575 1.719 1.893 2.0__ 2.313 2.498 53
39 1.611 1.745 1.901 2.095 2.329 2.581 2.786 54
40 1.758 1.897 2.062 2.275 2.529 2.818 3.074 55
41 1.909 2.069 2.262 2.499 2.792 3.140 3.484 56
42 2.111 2.300 2.521 2.785 3.118 3.514 3.946 57
43 2.287 2.511 2.775 3.090 3.467 3.919 4.442 58
44 2.464 2.740 3.062 3.431 3.862 4.364 4.978 59
45 2.658 2.996 3.377 3.8ll 4.298 4.865 5.541 60
46 2.878 3.271 3.717 4.222 4.782 5.420 6.145 61
47 3.131 3.563 4.053 4.616 5.235 5.919 6.676 62
48 3.419 3.874 4.409 5.028 5.703 6.460 7.281 63
49 3.733 4.211 4.782 5.448 6.201 7.042 7.955 64
50 4.062 4.577 5.201 5.957 6.824 7.811 8.883 65
51 4.500 5.046 5.733 6.571 7.555 8.677 9.895 66
52 4.944 5.546 6.304 7.239 8.345 9.603 10.966 67
53 5.391 6.069 6.919 7.958 9.175 10.576 12.107 68
54 5.854 6.620 7.582 8.724 10.054 11.600 13.259 69
55 6.342 7.214 8.292 9.550 11.005 12.712 14.474 70
56 6.868 7.855 9.057 10.446 12.048 13.925 15.919 71
57 7.444 8.549 9.890 11.432 13.196 15.269 17.547 72
58 8.077 9.303 10.789 12.498 14.463 16.765 19.277 73
59 8.781 10.122 11.744 13.648 15.853 18.410 21.179 74
60 9.563 11.010 12.780 14.896 17.366 20.209 23.256 75
61 10.419 12.030 14.022 16.448 19.316 22.571 26.158 76
62 11.366 13.158 15.396 18.167 21.439 25.191 29.378 77
63 12.365 14.421 17.017 20.251 24.131 28.570 33.703 78
64 13.430 15.728 18.637 22.312 26.707 31.759 37.718 79
65 14.645 17.259 20.620 24.857 29.974 35.879 42.841 80
66 16.075 18.995 22.733 27.455 33.160 39.770 47.364 81
67 17.829 21.150 25.387 30.723 37.183 44.743 53.353 82
68 19.976 23.669 28.300 34.093 41.112 49.445 58.852 83
69 22.536 26.722 31.863 38.240 46.012 55.409 66.325 84
70 25.479 30.216 35.877 42.859 51.405 61.928 74.720 85
71 27.778 33.165 39.627 47.608 57.382 69.441 82.964 86
72 30.270 36.527 44.057 53.357 64.783 78.389 93.496 87
73 32.929 40.163 48.873 59.654 72.920 87.537 105.112 88
74 35.247 43.278 52.969 64.981 79.148 95.165 114.793 89
75 37.038 45.791 56.371 69.484 84.257 101.772 123.273 90
76 38.471 47.558 58.537 72.114 87.076 105.249 127.535 91
77 39.921 49.345 60.700 74.757 89.931 108.751 131.851 92
78 42.267 52.214 64.215 78.546 94.581 114.487 138.855 93
79 45.783 56.545 69.542 84.271 101.634 123.129 149.486 94
80 49.361 50.965 74.932 90.112 108.778 131.924 160.319 95
176.350 96
193.985 97
213.384 98
234.722 99
EXPECTED MORTALITY ASSUMPTIONS (l000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
FEMALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
------ ------ ------ ------ ------ ------ ------ ------ ------
18 0.352 0.374 0.388 0.439 0.461 0.463 0.459 0.459 0.460
19 0.343 0.369 0.418 0.427 0.439 0.439 0.439 0.439 0.445
20 0.326 0.389 0.405 0.409 0.416 0.410 0.419 0.420 0.435
21 0.342 0.384 0.404 0.405 0.410 0.405 0.423 0.437 0.462
22 0.332 0.376 0.401 0.403 0.408 0.413 0.427 0.443 0.475
23 0.330 0.371 0.402 0.404 0.415 0.426 0.442 0.465 0.499
24 0.322 0.365 0.397 0.410 0.428 0.446 0.464 0.493 0.534
25 0.319 0.357 0.397 0.417 0.448 0.474 0.498 0.534 0.581
26 0.309 0.349 0.390 0.417 0.459 0.498 0.528 0.569 0.622
27 0.316 0.353 0.396 0.435 0.485 0.536 0.578 0.626 0.692
28 0.331 0.368 0.413 0.458 0.514 0.578 0.626 0.692 0.772
29 0.351 0.390 0.436 0.487 0.555 0.626 0.692 0.772 0.866
30 0.379 0.424 0.475 0.527 0.601 0.692 0.766 0.866 0.981
31 0.400 0.456 0.507 0.569 0.649 0.753 0.846 0.953 1.092
32 0.414 0.474 0.534 0.599 0.690 0.807 0.916 1.038 1.187
33 0.415 0.483 0.552 0.632 0.740 0.868 0.992 1.124 1.282
34 0.409 0.490 0.573 0.668 0.791 0.935 1.068 1.215 1.378
35 0.414 0.511 0.609 0.725 0.858 1.021 1.164 1.325 1.506
36 0.420 0.536 0.654 0.785 0.940 1.115 1.278 1.450 1.641
37 0.440 0.571 0.708 0.858 1.030 1.222 1.396 1.588 1.792
38 0.479 0.631 0.796 0.964 1.153 1.362 1.555 1.769 1.985
39 0.529 0.714 0.896 1.079 1.284 1.522 1.730 1.957 2.203
40 0.578 0.787 0.986 1.189 1.406 1.654 1.876 2.122 2.387
41 0.626 0.857 1.085 1.301 1.532 1.791 2.022 2.286 2.579
42 0.685 0.948 1.199 1.436 1.685 1.968 2.221 2.509 2.832
43 0.731 1.016 1.237 1.535 1.805 2.109 2.374 2.680 3.010
44 0.775 1.079 1.366 1.636 1.919 2.243 2.527 2.839 3.175
45 0.820 1.140 1.448 1.742 2.043 2.389 2.684 3.002 3.354
46 0.861 1.199 1.530 1.852 2.186 2.548 2.854 3.193 3.571
47 0.900 1.269 1.626 1.977 2.347 2.730 3.052 3.416 3.844
48 0.937 1.345 1.738 2.115 2.530 2.951 3.298 3.683 4.161
49 0.976 1.426 1.853 2.265 2.727 3.197 3.578 3.994 4.496
50 1.014 1.513 1.973 2.421 2.923 3.441 3.866 4.315 4.817
51 1.076 1.636 2.149 2.639 3.182 3.765 4.237 4.725 5.223
52 1.142 1.769 2.332 2.858 3.438 4.071 4.582 5.085 5.610
53 1.213 1.903 2.512 3.069 3.685 4.342 4.860 5.395 5.991
54 1.293 2.038 2.692 3.281 3.922 4.571 5.103 5.691 6.352
55 1.376 2.188 2.891 3.504 4.145 4.802 5.359 5.975 6.712
56 1.477 2.356 3.110 3.738 4.384 5.063 5.640 6.289 7.077
57 1.601 2.553 3.349 4.004 4.665 5.373 5.977 5.651 7.460
58 1.746 2.777 3.635 4.333 5.015 5.766 6.396 7.089 7.890
59 1.908 3.036 3.974 4.711 5.440 6.239 6.893 7.589 8.403
60 2.089 3.329 4.341 5.126 5.926 6.768 7.438 8.139 8.984
61 2.303 3.634 4.718 5.569 6.436 7.319 8.007 8.727 9.612
62 2.539 3.938 5.091 6.028 6.933 7.867 8.583 9.340 10.267
63 2.797 4.284 5.502 6.487 7.410 8.383 9.129 9.926 10.911
64 3.081 4.691 5.956 6.946 7.883 8.888 9.654 10.495 11.557
65 3.392 5.105 6.419 7.396 8.367 9.407 10.206 11.119 12.278
66 3.718 5.490 6.841 7.833 8.862 9.970 10.841 11.860 13.137
67 4.069 5.809 7.177 8.246 9.379 10.610 11.604 12.770 14.283
68 4.438 6.074 7.443 8.628 9.920 11.347 12.539 13.992 15.711
69 4.827 6.317 7.680 8.986 10.484 12.180 13.721 15.456 17.397
70 5.227 6.526 7.884 9.316 11.058 13.159 15.057 17.111 19.307
71 5.599 6.979 8.419 9.927 11.836 14.074 16.087 18.270 20.602
72 5.988 7.452 8.971 10.628 12.662 15.040 17.181 19.499 21.973
73 6.385 7.931 9.593 11.354 13.513 16.040 18.307 20.764 23.372
74 6.686 8.343 10.080 11.919 14.177 16.818 19.182 21.733 24.448
75 6.907 8.611 10.394 12.284 14.600 17.305 19.718 22.327 25.098
76 7.049 8.778 10.589 12.507 14.852 17.588 20.028 22.660 25.447
77 7.179 8.934 10.772 12.712 15.081 17.847 20.308 22.955 25.760
78 7.457 9.274 11.173 13.172 15.616 18.467 20.993 23.712 26.589
79 7.923 9.847 11.851 13.962 16.540 19.542 22.199 25.055 28.073
80 8.376 10.398 12.506 14.723 17.426 20.573 23.352 26.337 29.734
[x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------ ------- -------
18 0.462 0.470 0.512 0.558 0.605 0.642 0.675 33
19 0.457 0.470 0.523 0.573 0.624 0.665 0.707 34
20 0.457 0.475 0.533 0.582 0.641 0.697 0.748 35
21 0.494 0.524 0.575 0.630 0.691 0.762 0.824 36
22 0.514 0.554 0.604 0.670 0.747 0.836 0.920 37
23 0.544 0.593 0.646 0.727 0.818 0.910 1.018 38
24 0.586 0.652 0.711 0.811 0.922 1.031 1.157 39
25 0.640 0.719 0.803 0.924 1.054 1.176 1.320 40
26 0.693 0.785 0.895 1.022 1.172 1.319 1.468 41
27 0.778 0.883 1.006 1.151 1.317 1.479 1.628 42
28 0.872 0.985 1.120 1.278 1.464 1.636 1.809 43
29 0.987 1.112 1.255 1.426 1.616 1.807 2.012 44
30 1.116 1.255 1.411 1.586 1.790 2.000 2.237 45
31 1.240 1.393 1.561 1.753 1.979 2.210 2.469 46
32 1.351 1.513 1.700 1.910 2.151 2.398 2.688 47
33 1.457 1.643 1.854 2.098 2.371 2.662 2.999 48
34 1.562 1.777 2.015 2.297 2.619 2.955 3.366 49
35 1.700 1.934 2.192 2.507 2.866 3.239 3.706 50
36 1.848 2.096 2.381 2.732 3.132 3.549 4.031 51
37 2.007 2.275 2.585 2.965 3.407 3.862 4.330 52
38 2.225 2.504 2.834 3.234 3.700 4.193 4.656 53
39 2.461 2.764 3.120 3.550 4.058 4.622 5.127 54
40 2.674 2.991 3.358 3.807 4.351 4.982 5.561 55
41 2.892 3.236 3.637 4.130 4.742 5.457 6.194 56
42 3.173 3.554 4.003 4.544 5.206 6.001 6.891 57
43 3.395 3.831 4.351 4.956 5.687 6.574 7.617 58
44 3.612 4.127 4.719 5.408 6.223 7.188 8.340 59
45 3.847 4.436 5.114 5.900 6.802 7.830 9.064 60
46 4.094 4.759 5.530 5.419 7.393 8.517 9.860 61
47 4.377 5.092 5.921 6.857 7.903 9.122 10.502 62
48 4.694 5.436 6.292 7.293 8.445 9.762 11.225 63
49 5.033 5.774 6.663 7.750 9.002 10.428 12.014 64
50 5.351 6.128 7.108 8.308 9.709 11.330 13.135 65
51 5.788 6.627 7.683 8.981 10.529 12.325 14.319 66
52 6.237 7.141 8.279 9.693 11.387 13.349 15.525 67
53 6.669 7.657 8.900 10.433 12.253 14.383 16.760 68
54 7.095 8.182 9.550 11.193 13.136 15.425 17.936 69
55 7.530 8.731 10.222 11.987 14.053 16.519 19.125 70
56 7.986 9.303 10.923 12.821 15.04_ 17.675 20.534 71
57 8.471 9.906 11.662 13.711 16.091 18.920 22.081 72
58 8.992 10.540 12.432 14.642 17.216 20.266 23.653 73
59 9.559 11.207 13.219 15.609 18.410 21.698 25.319 74
60 10.172 11.907 14.043 16.620 19.664 23.207 27.256 75
61 10.825 12.701 15.031 17.893 21.310 25.411 30.036 76
62 11.528 13.552 16.092 19.256 23.188 27.787 33.043 77
63 12.235 14.481 17.330 21.043 25.571 30.869 37.112 78
64 12.957 15.389 18.606 22.716 27.722 33.594 40.642 79
65 13.767 16.555 20.170 24.788 30.459 37.137 45.151 80
66 14.814 17.852 21.782 26.804 32.973 40.262 48.798 81
67 16.098 19.469 23.814 29.351 36.164 44.283 53.715 82
68 17.667 21.331 25.976 31.858 39.090 47.819 57.862 83
69 19.513 23.566 28.606 34.931 42.750 52.331 63.642 84
70 21.588 26.063 31.488 38.257 46.642 57.081 69.936 85
71 23.020 27.966 33.985 41.501 50.812 62.434 75.884 86
72 24.523 30.098 36.899 45.394 55.956 69.161 83.471 87
73 26.068 32.319 39.949 49.504 61.396 75.477 92.236 88
74 27.250 33.988 42.233 52.565 65.437 80.658 98.999 89
75 27.946 35.078 43.811 54.755 68.976 84.785 104.450 90
76 28.314 35.513 44.320 55.815 70.240 86.193 106.175 91
77 28.640 35.895 45.139 56.826 71.324 87.520 107.806 92
78 29.540 37.305 46.894 59.014 73.690 90.468 112.425 93
79 31.427 39.674 49.853 62.706 77.706 96.294 119.823 94
80 33.274 41.990 52.738 66.307 82.293 102.124 127.204 95
139.924 96
153.916 97
169.308 98
186.239 99
EXPECTED MORTALITY ASSUMPTIONS (l000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
FEMALE SMOKER
[x] [x]+l [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8
------ ------ ------ ------ ------ ------ ------ ------ ------
18 0.391 0.440 0.482 0.846 0.894 0.892 0.884 0.885 0.887
19 0.381 0.434 0.805 0.821 0.851 0.847 0.847 0.847 0.858
20 0.362 0.709 0.780 0.787 0.807 0.791 0.808 0.809 0.839
21 0.589 0.700 0.777 0.780 0.795 0.781 0.815 0.842 0.891
22 0.572 0.685 0.772 0.775 0.790 0.796 0.823 0.853 0.916
23 0.569 0.677 0.774 0.778 0.804 0.822 0.853 0.896 0.962
24 0.555 0.665 0.765 0.790 0.829 0.861 0.895 0.951 1.029
25 0.549 0.651 0.765 0.803 0.867 0.913 0.960 1.029 1.120
26 0.533 0.636 0.751 0.803 0.890 0.960 1.017 1.097 1.199
27 0.545 0.643 0.762 0.838 0.940 1.033 1.114 1.207 1.334
28 0.569 0.671 0.794 0.882 0.996 1.114 1.207 1.334 1.488
29 0.605 0.711 0,838 0.937 1.075 1.207 1.334 1.488 1.670
30 0.652 0.773 0.915 1.014 1.165 1.334 1.476 1.670 1.890
31 0.690 0.832 0.975 1.095 1.257 1.452 1.631 1.836 2.105
32 0.713 0.864 1.027 1.153 1.337 1.555 1.765 2.002 2.289
33 0.714 0.881 1.062 1.217 1.433 1.673 1.912 2.167 2.471
34 0.704 0.894 1.103 1.286 1.532 1.803 2.059 2.341 2.657
35 0.713 0.932 1.172 1.395 1.663 1.968 2.245 2.554 2.903
36 0.723 0.978 1.259 1.510 1.821 2.150 2.465 2.796 3.164
37 0.758 1.041 1.364 1.652 1.996 2.355 2.691 3.062 3.454
38 0.825 1.152 1.533 1.855 2.234 2.627 2.998 3.411 3.826
39 0.911 1.301 1.724 2.076 2.488 2.933 3.336 3.772 4.246
40 0.996 1.435 1.899 2.289 2.724 3.188 3.616 4.092 4.601
41 1.079 1.562 2.089 2.505 2.968 3.453 3.898 4.408 4.972
42 1.180 1.729 2.308 2.763 3.265 3.794 4.283 4.836 5.460
43 1.259 1.852 2.477 2.954 3.497 4.065 4.577 5.168 5.802
44 1.334 1.967 2.630 3.149 3.718 4.325 4.872 5.474 6.121
45 1.413 2.079 2.787 3.353 3.958 4.605 5.174 5.788 6.465
46 1.483 2.187 2.945 3.565 4.236 4.911 5.503 6.156 6.884
47 1.550 2.315 3.130 3.806 4.548 5.262 5.883 6.585 7.410
48 1.614 2.452 3.344 4.071 4.902 5.690 6.358 7.101 8.023
49 1.681 2.601 3.567 4.360 5.283 6.162 6.897 7.699 8.667
50 1.746 2.760 3.798 4.660 5.664 6.634 7.453 8.319 9.287
51 1.853 2.983 4.137 5.080 6.165 7.258 8.168 9.109 10.069
52 1.966 3.225 4.489 5.501 6.660 7.848 8.834 9.803 10.815
53 2.088 3.470 4.834 5.907 7.141 8.371 9.370 10.402 11.550
54 2.227 3.717 5.182 6.316 7.599 8.813 9.838 10.971 12.245
55 2.370 3.989 5.564 6.746 8.031 9.258 10.331 11.520 12.940
56 2.545 4.296 5.986 7.195 8.494 9.761 10.874 12.123 13.644
57 2.757 4.655 6.447 7.708 9.038 10.358 11.524 12.823 14.381
58 3.006 5.065 6.997 8.340 9.716 11.115 12.330 13.667 15.211
59 3.287 5.536 7.648 9.069 10.541 12.027 13.289 14.630 16.200
60 3.598 6.070 8.355 9.866 11.482 13.048 14.340 15.691 17.319
61 3.966 6.626 9.082 10.719 12.470 14.109 15.437 16.824 18.530
62 4.373 7.180 9.799 11.603 13.432 15.166 16.547 18.006 19.794
63 4.816 7.813 10.590 12.487 14.357 16.161 17.599 19.137 21.035
64 5.306 8.554 11.465 13.369 15.274 17.134 18.611 20.234 22.280
65 5.841 9.309 12.355 14.236 16.211 18.135 19.675 21.435 23.671
66 6.403 10.012 13.168 15.077 17.170 19.221 20.901 22.864 25.327
67 7.007 10.593 13.814 15.871 18.173 20.454 22.370 24.619 27.536
68 7.643 11.076 14.327 16.607 19.220 21.876 24.173 26.975 30.289
69 8.313 11.519 14.784 17.296 20.313 23.481 26.452 29.796 33.539
70 9.002 11.900 15.176 17.932 21.425 25.369 29.028 32.988 37.222
71 9.642 12.727 16.205 19.108 22.932 27.132 31.014 35.223 39.718
72 10.313 13.589 17.267 20.458 24.533 28.995 33.123 37.591 42.361
73 10.996 14.463 18.464 21.855 26.180 30.922 35.294 40.029 45.059
74 11.515 15.214 19.403 22.943 27.468 32.422 36.981 41.898 47.131
75 11.896 15.702 20.007 23.645 28.287 33.361 38.014 43.044 48.386
76 12.139 16.006 20.383 24.073 28.776 33.906 38.611 43.685 49.058
77 12.364 16.292 20.734 24.469 29.219 34.406 39.151 44.255 49.661
78 12.842 16.911 21.506 25.353 30.255 35.601 40.472 45.714 51.259
79 13.646 17.956 22.811 26.874 32.047 37.674 42.797 48.302 54.121
80 14.425 18.961 24.072 28.340 33.763 39.661 45.019 50.773 57.324
[x]+9 [x]+10 [x]+ll [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------- ------- ------- -------
18 0.890 0.874 0.918 0.963 1.007 1.031 1.044 33
19 0.880 0.873 0.936 0.989 1.038 1.067 1.094 34
20 0.880 0.883 0.954 1.004 1.068 1.119 1.158 35
21 0.952 0.974 1.029 1.088 1.151 1.224 1.275 36
22 0.991 1.029 1.082 1.158 1.244 1.342 1.424 37
23 1.049 1.102 1.158 1.255 1.362 1.461 1.575 38
24 1.129 1.212 1.273 1.400 1.534 1.655 1.790 39
25 1.235 1.336 1.439 1.595 1.755 1.888 2.043 40
26 1.337 1.459 1.603 1.765 1.951 2.117 2.272 41
27 1.500 1.641 1.801 1.987 2.193 2.375 2.520 42
28 1.682 1.829 2.006 2.207 2.437 2.625 2.801 43
29 1.903 2.067 2.248 2.462 2.689 2.901 3.114 44
30 2.151 2.332 2.527 2.738 2.979 3.211 3.463 45
31 2.390 2.588 2.796 3.027 3.295 3.547 3.822 46
32 2.604 2.811 3.045 3.298 3.581 3.849 4.161 47
33 2.810 3.053 3.320 3.623 3.948 4.274 4.642 48
34 3.012 3.301 3.609 3.966 4.360 4.743 5.210 49
35 3.278 3.593 3.926 4.329 4.771 5.199 5.737 50
36 3.564 3.894 4.264 4.718 5.215 5.697 6.240 51
37 3.869 4.227 4.629 5.119 5.672 6.200 6.702 52
38 4.289 4.652 5.075 5.584 6.160 6.731 7.207 53
39 4.744 5.135 5.589 6.129 6.756 7.419 7.936 54
40 5.155 5.558 6.014 6.574 7.243 7.998 8.607 55
41 5.575 6.012 6.515 7.131 7.894 8.759 9.587 56
42 6.118 6.603 7.169 7.846 8.666 9.633 10.666 57
43 6.544 7.119 7.793 8.557 9.468 10.553 11.790 58
44 6.964 7.669 8.452 9.338 10.360 11.539 12.909 59
45 7.417 8.243 9.160 10.188 11.323 12.569 14.030 60
46 7.892 8.843 9.904 11.084 12.308 13.672 15.262 61
47 8.439 9.461 10.604 11.840 13.157 14.643 16.255 62
48 9.050 10.101 11.269 12.592 14.058 15.670 17.374 63
49 9.703 10.729 11.934 13.382 14.985 16.739 18.595 64
50 10.317 11.385 12.731 14.345 16.162 18.188 20.331 65
51 11.158 12.313 13.760 15.506 17.528 19.784 22.163 66
52 12.024 13.268 14.827 16.736 18.957 21.428 24.029 67
53 12.856 14.228 15.940 18.015 20.398 23.087 25.941 68
54 13.679 15.202 17.105 19.327 21.868 24.760 27.762 69
55 14.517 16.222 18.308 20.697 23.404 26.516 29.601 70
56 15.396 17.285 19.563 22.138 25.03_ 28.371 31.783 71
57 16.330 18.406 20.888 23.675 26.788 30.370 34.178 72
58 17.335 19.584 22.266 25.281 28.661 32.531 36.610 73
59 18.428 20.823 23.676 26.952 30.649 34.829 39.189 74
60 19.610 22.124 25.152 28.696 32.735 37.252 42.187 75
61 20.869 23.599 26.921 30.896 35.477 40.790 46.491 76
62 22.225 25.181 28.822 33.249 38.602 44.603 51.144 77
63 23.587 26.907 31.039 36.334 42.569 49.550 57.443 78
64 24.979 28.594 33.325 39.223 46.149 53.924 62.907 79
65 26.542 30.760 36.125 42.801 50.708 59.612 69.886 80
66 28.559 33.169 39.012 46.282 54.893 64.628 75.531 81
67 31.035 36.175 42.651 50.679 60.204 71.082 83.141 82
68 34.060 39.634 46.525 55.008 65.074 76.759 89.560 83
69 37.619 43.787 51.235 60.315 71.168 84.001 98.506 84
70 41.618 48.427 56.396 66.057 77.647 91.626 108.249 85
71 44.379 51.963 50.869 71.657 84.590 100.218 117.765 86
72 47.277 55.924 66.089 78.380 93.154 110.739 129.905 87
73 50.256 60.050 71.550 85.477 102.210 121.053 143.927 88
74 52.534 63.151 75.640 90.762 108.867 129.651 154.748 89
75 53.875 65.177 78.468 94.543 114.169 136.498 163.471 90
76 54.586 65.985 79.379 96.374 116.131 138.833 166.231 91
77 55.214 66.695 80.845 98.119 117.996 141.036 168.840 92
78 56.948 69.315 83.990 101.897 122.068 145.927 176.230 93
79 60.586 73.716 89.289 108.270 128.979 155.594 188.067 94
80 64.148 78.021 94.456 113.866 136.873 165.268 199.876 95
219.864 96
241.850 97
266.035 98
292.639 99
SPECIAL ENTIRE AGREEMENT AND ARBITRATION AMENDMENT
It is mutually agreed that effective the 31st day of December, 1993, each of the
following Reinsurance Agreements between The Life Insurance Company of Virginia,
hereinafter referred to as the Company, and North American Reassurance Company,
hereinafter referred to as North American Re, shall be amended by adding the
following Entire Agreement Article and by replacing the Arbitration Article in
each specified Agreement with the following new Arbitration Article. Except as
hereinafter specified, all terms and conditions of the aforesaid Agreements and
the amendments and addenda attached thereto shall continue to apply.
Automatic Coinsurance Agreement dated March 1, 1982
Automatic Coinsurance Agreement dated June 1, 1982
Reinsurance Agreement dated June 1, 1984
ENTIRE AGREEMENT ARTICLE
Entire Agreement
1. This Agreement, Amendments, and Addenda shall constitute the entire
agreement between the parties with respect to business reinsured hereunder.
There are no understandings between the parties other than as expressed in this
Agreement and any change or modification of this Agreement shall be null and
void unless made by amendment to the Agreement and signed by both parties.
- 1 -
ARBITRATION ARTICLE
Arbitration
1. In the event of any difference arising hereafter between the contracting
parties with reference to any transaction under this Agreement, the same shall
be referred to three arbitrators who must be current or former executive
officers of life insurance or life reinsurance companies other than the two
parties to this Agreement or their affiliates, each of the contracting companies
to appoint one of the arbitrators and such two arbitrators to select the third.
If either party refuses or neglects to appoint an arbitrator within 60 days
after receipt of the written request for arbitration, the other party may
appoint a second arbitrator.
2. If the two arbitrators fail to agree on the selection of a third
arbitrator within 60 days of their appointment, each of them shall name three
individuals, of whom the other shall decline two, and the decision shall be made
by drawing lots.
3. The arbitrators shall consider this Reinsurance Agreement not merely as
a legal document but also as a gentlemen's agreement. In resolving the dispute,
the arbitrators will give full consideration to the customs and practices of the
life insurance and life reinsurance industry, insofar as they are not in
conflict with the specific terms of this Agreement. The arbitrators shall decide
by a majority vote. There shall be no appeal from their written decision.
4. Unless the arbitrators decide otherwise, each party shall bear the
expense of its own arbitration, including its
- 2 -
arbitrator and outside attorney fees, and shall jointly and equally bear with
the other party the expense of the third arbitrator. Any remaining costs of the
arbitration proceedings shall be apportioned by the Board of Arbitrators.
IN WITNESS WHEREOF, the Company and North American Re have caused their names to
be subscribed and duly attested hereunder by their respective Authorized
Officers.
THE LIFE INSURANCE COMPANY OF VIRGINIA
By: Illegible Attest: Illegible
------------------------- ---------------------------
Title: Illegible Title: Vice President Actuary
Date: Jan 3, 1994 Date: Jan 3, 1994
NORTH AMERICAN REASSURANCE COMPANY
By: Illegible Attest: Illegible
------------------------- ---------------------------
Title: V.P. Title: Asst V.P.
Date: 12.20.93 Date: 12/20/93
- 3 -
CORPORATE RETENTION LIMITS OF THE CEDING COMPANY
LIFE
AGES AMOUNT
----- ----------
0-75 $1,000,000
76-80 100,000
WAIVER OF PREMIUM DISABILITY
An amount equal to that attaching to the
face amount of Life coverage retained
EXHIIBIT D
AUTOMATIC BINDING LIMITS TO THE REINSURANCE POOL
Life
-----------------------------------------------
Total
LOV Auto Pool NARE Share
Ages Retention Coverage of Auto Cover
----- ---------- ---------- -------------
0-75 $1,000,000 $9,000,000 $1,800,000
76-80 100,000 1,400,000 280,000
Waiver of Premium Disability
An amount equal to that attaching to the face
amount of Life coverage automatically reinsured.
The total WPD that can be reinsured is $3,000,000.
EXHIBIT G
AMENDMENT NO. VI
To the Reinsurance Agreement
Between the
LIFE INSURANCE COMPANY OF VIRGINIA
And
NORTH AMERICAN REASSURANCE COMPANY
Except as hereinafter specified, all terms and conditions of the Reinsurance
Agreement effective the 1st day of June, 1984, amendments and addenda attached
thereto, shall apply, and this Amendment is to be attached to and made a part of
the aforesaid Agreement.
It is mutually agreed that effective the 1st day of October, 1994, EXHIBIT D,
Corporate Retention Limits of the Ceding Company, EXHIBIT E, Jumbo Risk, and
EXHIBIT G, Automatic Binding Limits to the Pool, are revised as attached.
IN WITNESS WHEREOF, the Company and North American Re have caused their names to
be subscribed and duly attested hereunder by their respective Authorized
Officers.
LIFE INSURANCE COMPANY OF VIRGINIA
By: Illegible Attest: Illegible
----------------------- ----------------------
Title: Illegible Title: Illegible
-------------------- -----------------------
Date: April 13, 1995 Date: April 13, 1995
NORTH AMERICAN REASSURANCE COMPANY
By: Illegible Attest: Illegible
----------------------- ----------------------
Title: V.P. Title: Asst V.P.
Date: April 17, 1995 Date: 4/17/95
- 1 -
CORPORATE RETENTION LIMITS OF THE CEDING COMPANY
I. Life
A. Survivor Life (Joint & Last Survivor UL) Plan:
Ages Amount
----- ----------
0-75 $1,000,000
76-85 100,000
The Company will retain on the youngest of the insurable joint lives.
B. All Other Plans:
Ages Amount
----- ----------
0-75 $1,000,000
76-80 100,000
II. Waiver of Premium Disability
An amount equal to that attaching to the face amount of Life coverage
retained.
EXHIBIT D
JUMBO RISK
Ages Amount
----- -----------
0-75 $15,000,000
76-85 5,000,000
EXHIBIT E
AUTOMATIC BINDING LIMITS TO THE REINSURANCE POOL
I. Life
A. Survivor Life (Joint & Last Survivor UL) Plan:
Total
LOV Auto Pool NARe Share
Ages Retention* Coverage* of Auto Cover*
----- ---------- ---------- --------------
0-75 $1,000,000 $9,000,000 $1,800,000
76-80 100,000 1,900,000 380,000
81-85 100,000 1,000,000 200,000
*Retention and automatic coverage will be based on the younger age.
B. All Other Plans:
Total
LOV Auto Pool NARe Share
Ages Retention Coverage* of Auto Cover
----- ---------- ---------- --------------
0-75 $1,000,000 $9,000,000 $1,800,000
76-80 100,000 1,400,000 280,000
II. Waiver of Premium Disability
An amount equal to that attaching to the face amount of Life coverage
automatically reinsured. The total WPD that can be reinsured per life is
$3,000,000.
EXHIBIT G
Memorandum Addendum No. XIII to the Reinsurance Agreement effective June 1, 1984
between the Life Insurance Company of Virginia and North American Reassurance
Company.
Effective December l, 1994, reinsurance generated on the Future Security plan
and the Waiver of Premium Rider shall be ceded under the above referenced
Reinsurance Agreement subject to the same terms and conditions of the Agreement
except as provided below:
1. Plan of Reinsurance:
A. Reinsurance of Life risks shall be on the risk premium basis. The risk
amount on the policy reinsured shall be calculated monthly and shall
be equal to the death benefit less the cash value. At the time of
issue, the Ceding Company shall cede to North American Re a portion of
the initial risk amount in excess of its retention. Thereafter, the
Ceding Company and North American Re shall keep the same proportionate
shares of the risk amount developed each month.
2. Reinsurance Administration:
A. Reinsurance shall be ceded using a bordereau format in accordance with
the suggested reporting details for Universal Life products as
indicated in Exhibit C of the basic Agreement.
3. Reinsurance Premiums:
A. Life Premiums
i) Until further notice, reinsurance premiums shall be developed as
described in the Exhibit B attached to this Memorandum Addendum.
North American Re guarantees that premium rates for a given
attained age, rating, and duration shall not exceed the higher of
the rate shown in the attached schedule (Exhibit B) for that age,
rating, and duration or the one year term rate on the appropriate
multiple of the applicable 1980 CSO table at the maximum
statutory valuation rate approved in New York state.
ii) Reinsurance premiums are annual premiums payable at the end of
the month in which they become due.
4. Premium Tax Reimbursement:
A. The reinsurance premiums for these plans of insurance have been
calculated to reflect the Ceding Company's premium tax liability.
North American Re shall not make any additional reimbursement for
premium taxes.
- 1 -
5. Percentage of Participation:
A. North American Re's percentage of participation shall be equal to 20%,
not to exceed the limits specified in Exhibit G of the Agreement to
which this Memorandum Addendum is attached.
IN WITNESS WHEREOF, the Company and North American Re have caused their names to
be subscribed and duly attested hereunder by their respective Authorized
Officers.
LIFE INSURANCE COMPANY OF VIRGINIA
By: Illegible Attest: Illegible
------------------------- ----------------------
Title: Zd V.P. Title: Illegible
---------------------- -----------------------
Date: April 13, 1995 Date: April 13, 1995
NORTH AMERICAN REASSURANCE COMPANY
By: Illegible Attest: Illegible
------------------------- ----------------------
Title: V.P Title: Asst VP
Date: April 13, 1995 Date: 4/17/95
- 2 -
Memorandum Addendum No. XII to the Reinsurance Agreement effective June 1, 1984
between the Life Insurance Company of Virginia and North American Reassurance
Company.
Effective October 1, 1994, reinsurance generated on the Survivor Life plan and
associated riders shall be ceded under the above referenced Reinsurance
Agreement subject to the same terms and conditions of the Agreement except as
provided below:
1. Automatic Coverage:
A. On and after the Effective Date of this Memorandum Addendum, whenever
the Ceding Company issues coverage on a risk for the Survivor Life
plan covered by this Pool, and the total coverage issued and in force
on that risk with the Ceding Company exceeds its then current maximum
retention, such coverage will be automatically reinsured in the Pool,
provided:
a. that the aggregate amount of life and supplemental benefits
reinsured does not exceed the maximum set out in Exhibit G of the
Agreement to which this Addendum is attached;
b. that each risk is not known to be a citizen of countries other
than the United States and Canada, is residing in the United
States or Canada, is classified in accordance with generally
accepted individual underwriting practices, and is not a Jumbo
Risk as defined in Exhibit E of the Agreement to which this
Addendum is attached;
c. that on the risk (the younger risk if joint coverage) the Ceding
Company has retained its maximum Exhibit D retention, either for
the current coverage or on a previous issue, or by combination of
both, at the time reinsurance is required;
d. that for the current coverage, the Ceding Company has not made
facultative application to another reinsurer;
e. that for joint life coverage where both risks are insurable, each
risk must be rated Table 16 or lower for issue ages 20-75, and
Table 4 or lower for issue ages 76-85;
f. that for joint life coverage involving one uninsurable risk, the
insurable risk must be no greater than Table 8 for issue ages
20-75, or Table 4 for issue ages 76-85.
- 1 -
2. Plan of Reinsurance:
A. Reinsurance of Life risks shall be on the risk premium basis. The
reinsured risk amount on the policy reinsured shall be calculated
annually and shall be equal to the death benefit less the cash value
less the Company's retention.
3. Reinsurance Administration:
A. Reinsurance shall be ceded using a bordereau format in accordance with
the suggested reporting details for Universal Life products as
indicated in Exhibit C of the basic Agreement.
4. Reinsurance Premiums:
A. Life Premiums
i) Until further notice, reinsurance premiums shall be developed as
described in the Exhibit B attached to this Memorandum Addendum.
North American Re guarantees that premium rates for a given
attained age, rating, and duration shall not exceed the higher of
the rate shown in the attached schedule (Exhibit B) for that age,
rating, and duration or the one year term rate on the appropriate
multiple of the applicable 1980 CSO table at the maximum
statutory valuation rate approved in New York state.
ii) Reinsurance premiums are annual premiums payable at the end of
the month in which they become due.
5. Premium Tax Reimbursement:
A. The reinsurance premiums for these plans of insurance have been
calculated to reflect the Ceding Company's premium tax liability.
North American Re shall not make any additional reimbursement for
premium taxes.
6. Percentage of Participation:
A. North American Re's percentage of participation shall be equal to 20%,
not to exceed the limits specified in Exhibit G of the Agreement to
which this Memorandum Addendum is attached.
- 2 -
IN WITNESS WHEREOF, the Company and North American Re have caused their names to
be subscribed and duly attested hereunder by their respective Authorized
Officers.
LIFE INSURANCE COMPANY OF VIRGINIA
By: Illegible Attest: Illegible
------------------------- ----------------------
Title: ZD v.p. Title: Illegible
---------------------- -----------------------
Date: April 24, 1995 Date: April 25, 1995
NORTH AMERICAN REASSURANCE COMPANY
By: Illegible Attest: Illegible
------------------------- ----------------------
Title: Sr Vice President Title: Asst VP
Date: May 1, 1995 Date: 5/1/95
- 3 -
REINSURANCE PREMIUMS
I.A. Plan and Rider: Joint Last Survivor UL
(Policy Form P1135 07/94)
Four Year Term Rider
B. Standard Reinsurance Risk Premiums:
1. Where both risks are classified as insurable, the
reinsurance premiums on the above plan and rider are equal
to the greater of 83% of the Frasierized annual joint life
cost of insurance rates and $.20 per $1,000.
Frasierized annual joint cost of insurance rates are
developed by applying the formula shown in Attachment No. 1
to this Exhibit B to the greater of:
a) the current single life cost of insurance rates
reflected on the diskette attached to this Exhibit B as
Attachment No.2, or
b) the single life cost of insurance rates actually
charged the insured.
2. Uninsurable risks shall be classified by the Company as one
of the following, based upon life expectancy:
Table X = Table 20
Table Y = Table 20 + $50 TFE for 10 years
Table Z = Table 20 + $200 TFE for 10 years
Based upon this classification, single life rates for each risk
shall be developed as specified in Section I.B, above. The
resulting two single life premiums are then Frasierized, as per
Section I.B, above, and subject to the $.20 per thousand minimum.
II.2. Additional Rider:
A. Policy Split Option Rider: This Rider will be reinsured at no
charge until it is exercised. Once exercised, the reinsurance on
each resulting single life policy will be a proportionate share
equal to the proportionate share reinsured on the original joint
policy, provided each life is reunderwritten. Reinsurance
premiums shall be first year single life rates as reflected on
the diskette attached to this Exhibit as Attachment No. 1.
Otherwise, point-in-scale reinsurance premiums shall apply.
III. Multiple Table Substandard Reinsurance Premiums: Multiple table
substandard reinsurance premiums are equal to the sum of the standard
premium and 20% of the standard premium for each 25% excess mortality.
IV. Annual Flat Extra Substandard Reinsurance Premiums:
a) Permanent Flat Extra Premiums are ones assessed for more than 5
years. North American Re should receive its proportionate share
of any such premiums less a 10% reduction in all policy years.
b) Temporary Flat Extra Premiums are ones assessed for 5 years or
less. North American Re should receive its proportionate share of
any such premiums less a 10% reduction in all policy years.
V. Maximum Amount Of Reinsurance On One Life On These Reinsurance
Premiums: $10,000,000. For ceded risk amounts in excess of
$10,000,000, the reinsurance premiums described in Section I.B, above,
increased by 10%, shall apply.
VI. Reinsurance Premiums For Policies Converted to the Survivor Life Plan:
Any reinsurance in force with North American Re on policies converted
to or reissued on the Survivor Life plan shall be continued with the
North American Re. The reinsured risk amount shall be determined as
described in Paragraph 2 of this Memorandum Addendum following the
conversion or reissue. The applicable reinsurance premiums will be
determined as described in this Exhibit B, with age and duration
measured from the date of issue of the original policy.
VIII. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
Page 2 of 2
ATTACHMENT NO. I
SECOND-TO-DIE
CALCULATION OF STANDARD FRASIERIZED ANNUAL COI RATES FROM
ANNUAL MORTALITY RATES
INPUT:
m = years to maturity
= years until younger insured attains age 100
= 100 - min (issue age life #1, issue age life #2)
Ql//t// = annual mortality rates for life #1 for t = 1 to m
Q2//t// = annual mortality rates for life #2 for t = 1 to m
NOTE: For Ql and Q2, when m extends beyond age 100, force in a rate of
1 as needed.
CALCULATIONS:
TQ1//O// = 0
TQl//t// = TQl//t-1// + (l-TQ1//t-1//) (Q1//t//) for t = 1 to m
TQ2//O// = 0
TQ2//t// = TQ2//t-1// + (1-TQ2//t-1//) (Q2//t//) for t = 1 to m
TQ//t// = (TQ1//t//)(TQ2//t//) - (TQ1//t-1//) (TQ2//t-1//) for t = 1 to m
TP//O// = 1
TP//t// = TP//t-1// - TQ//t// for t = 1 to m
Q//t// = 1 - TP//t///TP//t-1// for t = 1 to m
P//t// = 1 - Q//t// for t = 1 to m
COI//t// = 1000(1-P//t//)/(P//t//) for t = 1 to m
truncate to 5 places
AMENDMENT NO. IX
To the Automatic Reinsurance Agreement
Between the
LIFE INSURANCE COMPANY OF VIRGINIA
And
SWISS RE LIFE & HEALTH AMERICA INC.
Except as hereinafter specified, all terms and conditions of the Automatic
Reinsurance Agreement effective the 1st day of June, 1984, amendments and
addenda attached thereto, shall apply, and this Amendment is to be attached to
and made a part of the aforesaid Agreement.
It is mutually agreed that effective the 1st day of December, 1997, EXHIBIT D,
Corporate Retention Limits of the Ceding Company, EXHIBIT E, Jumbo Risk, and
EXHIBIT G, Automatic Binding Limits To The Reinsurance Pool, are revised as
attached.
IN WITNESS WHEREOF, the Company and Swiss Re Life & Health have caused their
names to be subscribed and duly attested hereunder by their respective
Authorized Officers.
LIFE INSURANCE COMPANY OF VIRGINIA
By: Illegible Attest: Illegible
----------------------- ---------------------------
Title: VP Title: Illegible
Date: 11/26/97 Date: 12/15/97
SWISS RE LIFE & HEALTH AMERICA INC.
By: Illegible Attest: Illegible
----------------------- ---------------------------
Title: Vice President Title: Vice President
Date: January 5, 1998 Date: January 5, 1998
- 1 -
CORPORATE RETENTION LIMITS OF THE CEDING COMPANY
I. Life
A. Survivor Life (Joint & Last Survivor UL) Plan:
Ages Amount
----- ----------
0-75 $1,000,000
76-85 100,000
The Company will retain on the younger of the insurable joint lives.
B. Commonwealth IV Variable UL Plan:
Ages Amount
----- ----------
0-75 $1,000,000
76-85 100,000
C. All Other Plans:
Ages Amount
----- ----------
0-75 $1,000,000
76-80 100,000
II. Waiver of Premium Disability
An amount equal to that attaching to the face amount of Life coverage
retained
EXHIBIT D
JUMBO RISK
Ages Amount
----- -----------
0-75 $30,000,000
76-85 5,000,000
EXHIBIT E
AUTOMATIC BINDING LIMITS TO THE REINSURANCE POOL
1 A. Survivor Life (Joint & Last Survivor UL) Plan:
LOV Total Auto SRLHA Share
Ages Retention Pool Coverage* of Auto Cover*
----- ---------- -------------- --------------
0-75 $1,000,000 $9,000,000 $1,800,000
76-80 100,000 1,900,000 380,000
81-85 100,000 1,000,000 200,000
*Retention and automatic coverage will be based on the younger age.
B. T10, T15 and T20 Plans:
LOV Total Auto SRLHA Share
Ages Retention Pool Coverage of Auto Cover
----- ---------- ------------- -------------
0-75 $1,000,000 $9,000,000 $1,350,000
76-80 100,000 1,400,000 210,000
C. Commonwealth IV Variable UL Plan:
LOV Total Auto SRLHA Share
Ages Retention Pool Coverage of Auto Cover
----- ---------- ------------- -------------
0-75 $1,000,000 $20,000,000 $3,000,000
76-85 100,000 2,000,000 300,000
D. All Other Plans:
LOV Total Auto SRLHA Share
Ages Retention Pool Coverage of Auto Cover
----- ---------- ------------- -------------
0-75 $1,000,000 $9,000,000 $1,800,000
76-80 100,000 1,400,000 280,000
EXHIBIT G
Memorandum Addendum No. XV to the Automatic Reinsurance Agreement effective June
1, 1984 between the Life Insurance Company of Virginia and Swiss Re Life &
Health America Inc.
Effective December 1, 1997, reinsurance generated on the Commonwealth IV
Variable UL plan shall be ceded under the above referenced Reinsurance Agreement
subject to the same terms and conditions of the Agreement except as provided
below:
1. Plan of Reinsurance:
A. Reinsurance of Life risks shall be on the risk premium basis. The risk
amount on the policy reinsured shall be calculated monthly and shall
be equal to the death benefit less the cash value. At the time of
issue, the Company shall cede to Swiss Re Life & Health the portion of
the initial risk amount in excess of its retention. Thereafter, the
Company and Swiss Re Life & Health shall keep the same proportionate
shares of the risk amount developed each month.
2. Reinsurance Administration:
A. Reinsurance shall be ceded using a bordereau format in accordance with
the suggested reporting details for Universal Life products as
indicated in Exhibit C of the basic Agreement.
3. Reinsurance Premiums:
A. Life Premiums
i) Until further notice, reinsurance premiums shall be developed as
described in the Exhibit B attached to this Memorandum Addendum.
Swiss Re Life & Health guarantees that premium rates for a given
attained age, rating, and duration shall not exceed the higher of
the rate shown in the attached schedule (Exhibit B) for that age,
rating, and duration or the one year term rate on the appropriate
multiple of the applicable 1980 CSO table at the maximum
statutory valuation rate approved in New York state.
ii) Reinsurance premiums are monthly premiums payable at the end of
the month in which they become due.
4. Premium Tax Reimbursement:
A. The reinsurance premiums for these plans of insurance have been
calculated to reflect the Ceding Company's premium tax liability.
Swiss Re Life & Health shall not make any additional reimbursement for
premium taxes.
- 1 -
5. Percentage of Participation:
A. Swiss Re Life & Health's percentage of participation shall be equal to
15%, not to exceed the limits specified in Exhibit G of the Agreement
to which this Memorandum Addendum is attached.
IN WITNESS WHEREOF, the Company and Swiss Re Life & Health have caused their
names to be subscribed and duly attested hereunder by their respective
Authorized Officers.
THE LIFE INSURANCE COMPANY OF VIRGINIA.
By: Illegible Attest: Illegible
----------------------- ---------------------------
Title: V P Title: Illegible
Date: 11/26/97 Date: 12/15/97
SWISS RE LIFE & HEALTH AMERICA INC.
By: Illegible Attest: Illegible
----------------------- ---------------------------
Title: Vice President Title: Vice President
Date: January 5, 1998 Date: January 5, 1998
- 2 -
REINSURANCE PREMIUMS
I. Plan: Commonwealth IV Variable UL
II. Standard Reinsurance Risk Premiums: Reinsurance on the above plan
shall be ceded on a bordereau basis employing monthly reinsurance
premiums. The reinsurance premiums shall equal the mortality
assumptions contained on the attached diskette labeled Exhibit B-1,
multiplied by the following factors:
Preferred Preferred
Issue Age Nonsmoker Nonsmoker Smoker Smoker
--------- --------- --------- --------- ------
0-40 1.19 1.19 1.19 1.19
41-60 1.03 1.05 1.00 1.00
61+ 1.05 1.03 1.09 1.09
III. Multiple Table Substandard Reinsurance Premiums: Multiple table
substandard reinsurance premiums are equal to the sum of the standard
premium plus 25% of that standard premium for each 25% excess
morality.
IV. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
Swiss Re America
Xxxxxxx Xxxxx, F.L.M.I.
Assistant Vice President
Mr. Xxxx Xxxx Swiss Re Life Company America
Life Insurance Company Of Virginia 000 Xxxx Xxxxxx
P. O. Box 27601 New York, New York 10017
Richmond, VA 23261
Telephone (000) 000-0000
Fax (000) 000-0000
June 20, 1995
Dear Xx. Xxxx :
North American Reassurance Company (North American Re) changed its name to Swiss
Re Life Company America (Swiss Re America) effective June 5, 1995.
Since the parties to our reinsurance agreements remain unchanged despite our
name change, it is not necessary to formally amend our treaties. We suggest that
you simply file a copy of this notice with each inforce treaty you have with us.
If you prefer a formal treaty amendment, just let us know and we will
accommodate you.
Please circulate this letter to those of your colleagues who may interact with
Swiss Re America.
Should you have any questions, please let me know.
Sincerely,
/s/ Xxxxxxx Xxxxx
---------------------------
Xxxxxxx Xxxxx
DK/Ih
Swiss Re America
REINSURANCE PREMIUMS
I. Plans: Graded Premium Life (TLevel 10)
15 Year Graded Premium Life (TLevel 15)
II. Standard Reinsurance Risk Premiums: Reinsurance on the above plans shall be
ceded on a bordereau basis employing annual reinsurance premiums. The
reinsurance premiums shall equal the mortality assumptions attached to
Exhibit B of Memorandum Addendum No. IX attached to the Agreement to which
this Amendment is attached, multiplied by the following factors:
TLevel 10
Super
Issue Preferred Preferred Regular Preferred Regular
Age Non-Smoker Non-Smoker Non-Smoker Smoker Smoker
--------- ---------- ---------- ---------- --------- -------
0-40 1.10 1.30 1.28 1.35 1.21
41-60 .95 1.12 1.10 1.12 1.13
61 & Over .98 1.15 1.10 1.25 1.24
TLevel 15
Super
Issue Preferred Preferred Regular Preferred Regular
Age Non-Smoker Non-Smoker Non-Smoker Smoker Smoker
--------- ---------- ---------- ---------- --------- -------
0-40 1.10 1.30 1.30 1.35 1.11
41-60 .92 1.08 1.05 1.12 1.06
61 & Over 1.02 1.20 1.15 1.25 1.32
Re-entry is available after 10 years for the TLevel 10 plan and after 15
years for the TLevel 15 plan. Upon re-entry, the policy is treated as a new
issue.
III. Multiple Table Substandard Reinsurance Premiums: Multiple table substandard
reinsurance premiums are equal to the sum of the standard premium (the
classes listed in Section II, above) and 25% of the standard premium for
each 25% excess mortality.
IV. Maximum Amount of Reinsurance On One Life On These Reinsurance Premiums:
$5,000,000. For the excess amount over $5,000,000 rate schedule NRN-5833,
which is attached to the basic agreement, will apply. The nonsmoker rates
in schedule NRN-5833 will be used for Super Preferred Non-Smoker, Preferred
Nonsmoker and Regular Non-Smoker. The smoker rates will be used for both
Preferred Smoker and Regular Smoker.
V. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
AMENDMENT NO. XVII to the Reinsurance Agreement effective June 1, 1984
(hereinafter referred to as No. NA3273-84) made between GE Life and Annuity
Assurance Company (hereinafter referred to as "the Company") and Swiss Re Life &
Health America Inc. (hereinafter referred to as "the Reinsurer").
It is understood that effective June 26, 1999, the Company will allow
conversions of the Colony Series (old and new versions), Sure Term, Select
Choice, Provider, and Prime Term policies to the Variable Universal Life (VUL)
products reinsured under the terms of this Agreement.
Conversions will be on a point-in-scale basis at attained date and age.
Reinsurance premiums will be based on the following percentages of the GE98FULM
Table, attached, in all durations:
Preferred/Standard Pool Impaired Risk Pool
---------------------------------- ------------------
Preferred Best No Nicotine 48.0% Non Smoker 90.0%
Preferred No Nicotine 63.4% Smoker 223.0%
Select No Nicotine 73.0%
Standard No Nicotine 83.5%
Preferred Nicotine 149.8%
Standard Nicotine 196.8%
All other terms and conditions remain unaltered.
Made in duplicate and executed by both parties.
Signed for and on behalf of GE Life and Annuity Assurance Company
By: Illegible By: Illegible
--------------------------------- ------------------------------------
Title: SR VP Title: Illegible
Date: 12/4/01 Place: Richmond, VA
Signed for and on behalf of Swiss Re Life & Health America Inc.
By: Illegible By: Illegible
--------------------------------- ------------------------------------
Title: Vice President Title: Vice President
Date: 11/01/01 Place: Stanford CT
98D Male
Dur
Age 1 2 3 4 5 6 7 8 9 10 11 12 13
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------
0 0.583 0.335 0.228 0.209 0.153 0.135 0.120 0.125 0.120 0.118 0.111 0.132 0.155
1 0.218 0.207 0.200 0.148 0.125 0.123 0.120 0.125 0.116 0.107 0.125 0.150 0.181
2 0.188 0.188 0.154 0.128 0.125 0.123 0.117 0.111 0.102 0.120 0.152 0.177 0.207
3 0.158 0.149 0.131 0.128 0.125 0.123 0.113 0.107 0.124 0.144 0.166 0.210 0.291
4 0.144 0.133 0.131 0.128 0.122 0.116 0.106 0.125 0.143 0.167 0.198 0.294 0.431
5 0.139 0.133 0.131 0.128 0.118 0.108 0.128 0.139 0.170 0.193 0.297 0.435 0.530
6 0.129 0.125 0.123 0.122 0.111 0.130 0.142 0.170 0.197 0.293 0.439 0.536 0.591
7 0.120 0.118 0.115 0.116 0.133 0.137 0.177 0.201 0.291 0.444 0.541 0.591 0.624
8 0.123 0.118 0.115 0.128 0.140 0.181 0.206 0.293 0.453 0.547 0.597 0.624 0.663
9 0.120 0.118 0.131 0.136 0.177 0.210 0.291 0.457 0.552 0.603 0.630 0.655 0.654
10 0.120 0.125 0.138 0.173 0.214 0.288 0.466 0.556 0.615 0.630 0.662 0.650 0.640
11 0.120 0.133 0.169 0.211 0.290 0.476 0.567 0.627 0.642 0.662 0.656 0.640 0.640
12 0.136 0.165 0.215 0.287 0.486 0.579 0.640 0.655 0.675 0.656 0.639 0.639 0.635
13 0.160 0.212 0.285 0.495 0.584 0.653 0.668 0.681 0.662 0.638 0.639 0.634 0.661
14 0.208 0.281 0.506 0.589 0.667 0.675 0.688 0.668 0.643 0.638 0.633 0.660 0.683
15 0.278 0.516 0.593 0.673 0.689 0.694 0.666 0.649 0.643 0.632 0.659 0.682 0.741
16 0.526 0.605 0.679 0.695 0.708 0.680 0.654 0.649 0.638 0.658 0.674 0.740 0.789
17 0.609 0.693 0.693 0.714 0.686 0.660 0.654 0.643 0.664 0.664 0.731 0.790 0.818
18 0.699 0.691 0.696 0.692 0.665 0.659 0.640 0.661 0.662 0.721 0.773 0.772 0.783
19 0.681 0.685 0.656 0.671 0.664 0.629 0.618 0.658 0.718 0.744 0.752 0.752 0.741
20 0.664 0.610 0.634 0.644 0.642 0.605 0.604 0.653 0.713 0.722 0.717 0.717 0.717
21 0.595 0.569 0.589 0.605 0.609 0.599 0.602 0.640 0.673 0.681 0.686 0.687 0.699
22 0.553 0.529 0.542 0.573 0.597 0.602 0.596 0.638 0.661 0.657 0.665 0.678 0.669
23 0.501 0.486 0.517 0.559 0.602 0.598 0.610 0.615 0.624 0.643 0.633 0.657 0.672
24 0.444 0.455 0.500 0.557 0.604 0.614 0.614 0.614 0.619 0.618 0.635 0.640 0.684
25 0.396 0.430 0.491 0.550 0.581 0.599 0.608 0.616 0.619 0.625 0.643 0.682 0.677
26 0.352 0.410 0.478 0.520 0.549 0.572 0.598 0.618 0.625 0.626 0.646 0.658 0.670
27 0.309 0.385 0.445 0.481 0.505 0.542 0.593 0.628 0.625 0.638 0.641 0.669 0.698
28 0.327 0.396 0.453 0.487 0.511 0.553 0.607 0.628 0.640 0.635 0.674 0.696 0.715
29 0.333 0.401 0.454 0.489 0.521 0.570 0.615 0.638 0.638 0.667 0.694 0.719 0.774
30 0.334 0.399 0.451 0.506 0.536 0.581 0.618 0.651 0.678 0.694 0.722 0.772 0.840
31 0.329 0.395 0.453 0.508 0.546 0.587 0.613 0.657 0.699 0.726 0.773 0.839 0.905
32 0.322 0.393 0.459 0.514 0.552 0.586 0.615 0.666 0.724 0.778 0.842 0.903 1.004
33 0.328 0.417 0.492 0.549 0.581 0.623 0.655 0.702 0.766 0.828 0.902 1.003 1.112
34 0.336 0.437 0.522 0.576 0.615 0.662 0.700 0.765 0.826 0.906 0.998 1.115 1.258
35 0.342 0.453 0.545 0.608 0.650 0.704 0.761 0.834 0.919 1.006 1.121 1.253 1.393
36 0.344 0.463 0.572 0.642 0.682 0.750 0.792 0.915 0.990 1.107 1.239 1.407 1.526
37 0.343 0.477 0.601 0.679 0.749 0.797 0.911 0.986 1.103 1.244 1.405 1.524 1.681
38 0.356 0.499 0.621 0.711 0.786 0.909 0.993 1.110 1.254 1.420 1.539 1.678 1.860
39 0.371 0.524 0.658 0.759 0.862 0.969 1.102 1.250 1.428 1.537 1.675 1.857 2.082
40 0.388 0.563 0.711 0.845 0.942 1.043 1.203 1.387 1.559 1.692 1.854 2.097 2.340
41 0.416 0.616 0.803 0.937 1.037 1.175 1.298 1.498 1.713 1.851 2.070 2.355 2.662
42 0.453 0.708 0.900 1.047 1.171 1.249 1.390 1.626 1.869 2.043 2.340 2.641 3.055
43 0.538 0.768 0.969 1.162 1.265 1.385 1.548 1.779 2.049 2.312 2.613 3.018 3.660
44 0.621 0.838 1.072 1.275 1.380 1.548 1.714 1.963 2.260 2.553 3.018 3.547 4.115
45 0.717 0.944 1.172 1.388 1.518 1.720 1.915 2.179 2.408 2.817 3.391 4.005 4.595
46 0.856 1.048 1.269 1.524 1.751 1.928 2.151 2.350 2.650 3.132 3.819 4.491 5.149
47 1.002 1.153 1.389 1.665 1.949 2.174 2.353 2.587 2.955 3.499 4.273 5.058 5.623
48 1.031 1.245 1.506 1.820 2.155 2.371 2.608 2.930 3.381 3.957 4.839 5.570 6.105
49 1.070 1.339 1.649 1.999 2.320 2.620 2.950 3.345 3.844 4.505 5.334 6.110 6.469
50 1.104 1.452 1.811 2.131 2.529 2.948 3.364 3.794 4.401 5.050 5.844 6.340 6.879
51 1.146 1.577 1.923 2.305 2.808 3.353 3.812 4.335 4.961 5.502 6.302 6.780 7.383
52 1.182 1.644 2.072 2.527 3.150 3.788 4.354 4.878 5.409 5.935 6.754 7.261 8.023
53 1.212 1.753 2.279 2.832 3.482 4.206 4.782 5.241 5.863 6.399 7.149 7.975 8.336
54 1.263 1.900 2.547 3.153 3.888 4.596 5.049 5.622 6.311 7.005 7.919 8.324 9.279
55 1.340 2.096 2.827 3.556 4.271 4.816 5.373 5.983 6.900 7.839 8.331 9.207 9.899
56 1.457 2.294 3.188 3.943 4.484 5.092 5.603 6.473 7.719 8.352 9.106 9.826 9.992
57 1.568 2.568 3.532 4.164 4.764 5.264 6.039 7.181 8.383 8.963 9.672 9.814 11.451
58 1.933 2.961 3.782 4.537 5.056 5.789 6.636 7.686 8.944 9.568 9.630 11.278 12.473
Age 14 15 16 17 18 19 20 21 22 23 24 25 ULT
--- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------
0 0.187 0.201 0.302 0.465 0.550 0.612 0.637 0.644 0.639 0.643 0.644 0.640 0.658
1 0.205 0.298 0.446 0.521 0.618 0.644 0.650 0.645 0.650 0.651 0.646 0.665 0.688
2 0.292 0.443 0.520 0.587 0.650 0.657 0.652 0.657 0.657 0.653 0.671 0.695 0.738
3 0.436 0.523 0.586 0.607 0.664 0.658 0.663 0.664 0.659 0.678 0.702 0.746 0.790
4 0.525 0.579 0.612 0.647 0.665 0.670 0.671 0.666 0.685 0.709 0.753 0.798 0.817
5 0.585 0.615 0.650 0.645 0.677 0.677 0.673 0.692 0.717 0.761 0.806 0.825 0.831
6 0.622 0.653 0.645 0.642 0.643 0.679 0.699 0.724 0.769 0.815 0.833 0.839 0.831
7 0.660 0.644 0.642 0.643 0.638 0.706 0.731 0.776 0.823 0.842 0.848 0.839 0.825
8 0.651 0.642 0.642 0.645 0.685 0.724 0.784 0.831 0.850 0.857 0.848 0.833 0.834
9 0.641 0.642 0.644 0.677 0.716 0.784 0.831 0.859 0.865 0.856 0.842 0.843 0.853
10 0.641 0.650 0.669 0.708 0.776 0.831 0.859 0.865 0.865 0.850 0.851 0.862 0.863
11 0.636 0.662 0.700 0.768 0.831 0.859 0.865 0.865 0.859 0.860 0.870 0.871 0.866
12 0.661 0.693 0.759 0.822 0.859 0.869 0.869 0.850 0.868 0.879 0.880 0.875 0.858
13 0.684 0.751 0.817 0.858 0.874 0.874 0.850 0.868 0.888 0.889 0.884 0.867 0.851
14 0.750 0.813 0.853 0.878 0.870 0.850 0.868 0.879 0.880 0.893 0.876 0.859 0.837
15 0.794 0.849 0.887 0.875 0.850 0.859 0.870 0.862 0.888 0.885 0.868 0.846 0.837
16 0.830 0.882 0.866 0.849 0.850 0.860 0.843 0.874 0.876 0.877 0.854 0.846 0.852
17 0.857 0.859 0.849 0.840 0.850 0.824 0.855 0.876 0.877 0.863 0.854 0.861 0.893
18 0.807 0.832 0.828 0.831 0.813 0.836 0.857 0.877 0.854 0.863 0.869 0.902 0.955
19 0.765 0.788 0.799 0.793 0.807 0.820 0.849 0.854 0.837 0.878 0.911 0.964 1.043
20 0.719 0.746 0.763 0.777 0.791 0.821 0.836 0.837 0.869 0.884 0.974 1.054 1.143
21 0.706 0.731 0.737 0.761 0.802 0.817 0.836 0.860 0.883 0.964 1.064 1.154 1.276
22 0.701 0.710 0.740 0.773 0.798 0.836 0.851 0.873 0.954 1.043 1.166 1.288 1.425
23 0.687 0.698 0.753 0.779 0.817 0.841 0.873 0.944 1.042 1.154 1.301 1.439 1.604
24 0.685 0.710 0.759 0.798 0.831 0.872 0.933 1.042 1.142 1.301 1.439 1.620 1.777
25 0.684 0.725 0.778 0.821 0.871 0.932 1.041 1.142 1.301 1.439 1.604 1.795 1.945
26 0.703 0.744 0.810 0.870 0.931 1.041 1.141 1.301 1.439 1.587 1.795 1.965 2.124
27 0.726 0.784 0.869 0.930 1.040 1.140 1.301 1.439 1.587 1.786 1.965 2.145 2.354
28 0.775 0.843 0.919 1.039 1.139 1.300 1.438 1.586 1.776 1.955 2.145 2.378 2.621
29 0.841 0.903 1.038 1.138 1.299 1.437 1.585 1.775 1.944 2.123 2.354 2.648 2.976
30 0.902 1.005 1.137 1.299 1.436 1.583 1.775 1.943 2.101 2.354 2.648 3.006 3.363
31 1.007 1.121 1.298 1.435 1.582 1.773 1.942 2.099 2.353 2.647 3.006 3.397 3.850
32 1.119 1.284 1.434 1.580 1.753 1.941 2.098 2.352 2.647 3.036 3.414 3.889 4.380
33 1.269 1.419 1.579 1.732 1.919 2.097 2.351 2.646 3.036 3.431 3.925 4.424 4.934
34 1.397 1.552 1.729 1.895 2.095 2.349 2.659 3.051 3.466 3.960 4.451 4.934 5.555
35 1.527 1.705 1.893 2.093 2.347 2.672 3.066 3.491 3.996 4.483 4.984 5.555 6.159
36 1.678 1.857 2.090 2.345 2.670 3.081 3.519 4.033 4.519 5.019 5.554 6.159 6.721
37 1.862 2.071 2.343 2.683 3.096 3.543 4.069 4.560 5.050 5.524 6.190 6.653 7.420
38 2.076 2.337 2.696 3.111 3.572 4.106 4.601 5.085 5.551 6.157 6.652 7.195 8.118
39 2.354 2.696 3.126 3.608 4.144 4.638 5.110 5.590 6.155 6.685 7.192 7.708 8.878
40 2.693 3.119 3.626 4.181 4.676 5.146 5.635 6.185 6.717 7.188 7.704 8.430 9.779
41 3.091 3.659 4.219 4.713 5.182 5.662 6.215 6.750 7.183 7.698 8.424 9.384 10.629
42 3.661 4.258 4.751 5.223 5.701 6.212 6.782 7.178 7.691 8.326 9.279 9.985 11.403
43 4.255 4.795 5.265 5.728 6.208 6.779 7.172 7.683 8.272 9.171 9.869 10.827 12.403
44 4.740 5.305 5.761 6.237 6.774 7.165 7.675 8.215 8.958 9.750 10.588 11.777 13.672
45 5.295 5.790 6.265 6.769 7.157 7.665 8.204 8.740 9.737 10.460 11.642 12.981 15.300
46 5.705 6.296 6.763 7.148 7.654 8.192 8.621 9.500 10.328 11.632 12.973 14.218 16.985
47 6.236 6.715 7.179 7.643 8.130 8.551 9.371 10.312 11.621 12.963 13.737 15.441 18.667
48 6.575 7.103 7.630 8.164 8.584 9.237 10.295 11.607 13.094 13.561 15.250 16.970 20.450
49 6.961 7.550 8.148 8.617 9.273 10.277 11.593 12.939 13.538 15.054 16.951 18.384 22.464
50 7.420 8.055 8.650 9.308 10.257 11.444 12.779 13.514 14.853 16.929 18.361 20.195 24.773
51 8.004 8.439 9.402 10.236 11.291 12.615 13.488 14.824 16.712 18.231 20.170 22.021 27.268
52 8.299 9.186 10.213 11.133 12.446 13.460 14.794 16.488 18.095 19.910 21.737 24.238 29.646
53 9.250 9.894 10.971 12.272 13.430 14.761 16.456 18.063 19.644 21.446 23.926 26.951 32.674
54 9.894 10.608 12.094 13.399 14.726 16.422 18.028 19.606 21.405 23.606 27.223 30.364 35.888
55 10.167 11.822 13.365 14.689 16.386 17.772 19.565 21.361 23.560 27.192 30.337 32.988 39.560
56 11.639 13.062 14.743 16.347 17.730 19.522 21.182 23.512 27.158 30.307 32.955 36.363 43.633
57 12.687 14.501 16.099 17.685 19.476 21.130 23.460 27.121 30.273 32.918 36.326 40.988 47.434
58 14.084 15.732 17.637 19.181 21.075 23.404 26.765 30.235 32.877 36.693 41.180 46.476 52.020
98D Male
Dur
Age 1 2 3 4 5 6 7 8 9 10 11 12 13
--- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- -------
59 2.315 3.198 4.132 4.825 5.652 6.393 7.265 8.290 9.119 9.540 11.262 12.081 13.657
60 2.627 3.552 4.392 5.422 6.181 7.048 7.867 8.607 9.042 10.050 11.790 13.221 15.010
61 2.915 3.818 4.965 5.954 6.912 7.666 8.322 8.667 9.635 10.466 12.260 14.740 16.900
62 3.200 4.409 5.470 6.693 7.577 8.166 8.486 9.610 10.422 11.925 14.463 16.609 18.314
63 3.459 4.681 6.031 7.261 8.023 8.513 9.744 10.451 11.688 13.750 16.544 17.992 19.643
64 3.675 5.131 6.501 7.633 8.153 9.611 10.478 11.603 13.592 16.241 17.662 19.282 22.230
65 3.903 5.475 6.839 7.656 9.044 10.574 11.424 13.422 16.092 17.323 18.913 21.839 24.415
66 4.088 5.751 6.802 8.188 9.761 11.233 13.240 15.930 17.149 18.533 21.128 23.986 26.541
67 4.270 5.686 7.098 8.636 10.721 13.228 15.910 16.961 18.795 20.714 23.205 25.692 29.961
68 4.528 6.033 7.604 9.429 11.540 14.004 16.668 19.056 20.175 22.405 24.823 30.059 34.812
69 4.954 6.580 8.340 10.233 12.378 14.848 17.489 19.925 22.612 23.934 30.179 34.262 41.349
70 5.408 7.176 9.076 11.070 13.305 15.784 18.268 20.731 23.719 26.698 32.893 38.784 47.568
71 6.016 7.890 9.909 12.005 14.352 16.723 18.985 21.578 24.730 28.213 35.868 45.865 55.131
72 6.695 8.752 10.849 14.484 16.666 17.654 21.393 23.896 25.804 29.777 38.935 54.825 60.811
73 7.058 10.637 14.454 16.297 17.541 21.006 23.497 25.383 29.508 35.100 50.807 58.158 65.512
74 7.749 11.733 15.905 17.510 20.174 23.072 24.924 29.053 35.816 48.876 55.445 63.328 69.236
75 8.546 12.912 17.468 19.728 22.158 24.435 28.568 36.547 48.003 53.339 61.093 67.630 75.421
76 9.405 14.180 19.253 21.668 24.425 28.051 36.695 46.439 51.706 58.806 65.208 73.699 81.077
77 10.331 15.631 21.150 23.885 27.501 35.634 44.141 49.984 57.043 63.514 71.934 81.006 88.372
78 11.390 17.171 23.314 26.917 35.740 42.392 47.462 54.427 62.410 70.126 80.026 87.832 96.073
79 12.508 18.925 25.714 32.714 39.200 45.539 52.452 60.418 68.970 78.110 86.791 96.022 99.553
80 13.789 20.874 28.234 35.876 42.776 50.374 58.318 67.739 76.923 85.719 95.960 99.466 107.683
81 15.205 22.924 30.963 39.149 47.387 56.108 66.428 75.656 85.481 94.845 99.366 107.601 116.458
82 16.697 25.140 33.792 45.656 54.651 65.036 73.340 83.675 94.653 99.255 108.688 116.383 126.598
83 18.314 31.070 40.397 52.581 62.624 71.883 82.796 94.415 99.004 108.593 116.294 127.207 136.487
84 24.268 37.796 47.525 60.176 70.335 81.317 93.019 98.702 108.374 116.192 127.140 137.866 147.902
85 31.095 45.103 55.400 68.469 79.744 90.398 99.532 110.585 118.563 127.058 139.258 149.356 164.683
86 38.623 53.205 64.061 77.491 88.784 99.145 111.574 119.653 128.257 139.932 150.825 166.347 177.860
87 47.045 62.153 73.539 87.258 98.701 111.264 120.739 130.163 142.041 152.302 168.027 179.657 192.532
88 56.405 71.973 83.858 98.014 110.894 123.203 132.093 144.939 155.369 169.724 181.471 194.477 208.893
89 66.754 82.698 95.262 109.852 122.892 133.308 147.897 158.497 173.188 183.304 196.441 211.003 227.694
90 78.122 94.572 107.856 122.856 136.029 150.121 161.689 176.723 187.045 198.425 213.134 229.994 249.329
91 90.764 107.709 121.738 137.150 152.375 164.939 180.329 190.863 202.475 215.287 232.317 251.848 274.259
92 104.789 122.214 137.040 153.201 168.164 184.009 194.758 206.607 219.681 234.663 254.391 277.029 303.059
93 120.323 138.223 154.241 171.256 187.765 198.732 210.823 224.164 239.452 256.961 279.827 306.120 336.395
94 137.525 156.240 173.632 191.597 202.788 215.126 228.739 244.339 262.205 282.654 309.212 339.793 376.760
95 156.912 176.557 195.507 206.927 219.516 233.407 249.326 267.556 288.422 312.335 343.225 380.566 425.739
96 178.808 199.497 211.150 223.996 238.170 254.414 273.017 294.308 318.709 346.692 384.410 430.040 485.345
97 203.568 215.459 228.568 243.031 259.606 278.588 300.315 325.214 353.768 388.293 434.384 490.248 558.141
98 219.856 233.232 247.991 264.904 284.274 306.444 331.851 360.987 396.217 438.771 495.200 563.779 647.181
99 237.992 253.052 270.310 290.075 312.698 338.623 368.355 404.303 447.726 500.202 569.474 653.718 0.000
Age 14 15 16 17 18 19 20 21 22 23 24 25 ULT
--- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- -------
59 15.272 17.235 18.878 21.017 23.345 26.718 29.846 32.831 36.652 41.371 46.703 52.020 56.769
60 17.183 18.687 20.818 23.282 26.345 29.447 32.782 36.606 41.562 46.931 52.546 56.769 61.815
61 18.379 20.608 23.216 25.962 29.390 32.728 36.556 41.752 47.158 53.076 57.285 61.815 66.765
62 19.994 22.981 25.732 29.329 32.670 36.501 41.942 47.385 53.342 57.805 62.377 67.372 71.939
63 22.611 25.569 28.903 32.607 36.441 42.132 47.612 53.607 58.330 62.943 68.052 72.593 77.334
64 24.833 28.542 32.539 36.376 42.321 47.838 53.872 58.859 63.515 68.671 73.326 78.037 82.939
65 27.370 32.143 36.525 42.509 48.064 54.137 59.394 64.091 69.295 73.992 78.825 83.693 88.743
66 31.265 36.306 42.698 48.290 54.402 59.933 64.673 69.925 74.665 79.621 84.539 89.460 94.956
67 35.347 42.456 48.516 54.667 60.477 65.260 70.560 75.343 80.345 85.307 90.364 95.820 101.607
68 41.911 48.741 54.932 61.025 65.852 71.201 76.028 81.075 86.169 91.185 96.691 102.633 108.717
69 48.163 55.196 61.579 66.450 71.848 76.719 81.812 86.952 92.106 97.667 103.566 109.815 116.327
70 55.167 62.137 67.052 72.501 77.416 82.555 87.830 92.943 98.555 104.612 110.814 117.502 124.761
71 61.484 67.661 73.159 78.119 83.306 88.628 93.882 99.550 105.563 111.821 118.452 126.021 134.120
72 66.949 73.824 78.829 84.062 89.434 94.831 100.455 106.629 112.950 119.528 127.039 135.475 144.513
73 70.803 78.741 83.800 88.975 95.211 100.859 106.843 112.033 120.372 127.294 133.311 145.973 156.076
74 77.102 82.919 88.957 95.687 100.848 106.832 112.010 121.344 128.580 134.541 147.447 157.653 168.951
75 82.012 88.929 96.163 100.828 106.810 113.142 121.704 129.879 135.777 148.937 159.245 170.657 183.308
76 88.892 96.144 100.796 106.777 113.106 122.934 129.865 137.024 150.441 160.854 172.381 185.159 199.806
77 96.114 100.754 106.732 114.249 123.545 131.177 138.283 151.961 162.478 174.122 187.030 201.824 218.791
78 100.700 106.675 114.201 123.520 131.150 139.558 153.496 164.119 175.881 188.919 203.863 221.002 240.668
79 107.753 115.354 124.767 132.475 140.840 155.046 165.777 177.658 190.827 205.922 223.234 243.099 265.940
80 115.293 125.378 133.813 142.230 156.612 167.452 179.452 192.755 208.002 225.489 245.554 268.627 295.194
81 125.988 135.165 143.629 158.194 169.143 181.265 194.702 210.103 227.766 248.035 271.340 298.176 330.615
82 135.826 145.041 159.792 170.852 183.096 196.668 212.225 230.067 250.540 274.081 301.188 333.955 373.595
83 146.462 161.406 172.578 184.945 198.655 214.369 232.391 253.071 276.849 304.230 337.328 377.369 425.901
84 163.037 174.321 186.813 200.662 216.534 234.738 255.627 279.646 307.303 340.735 381.181 430.203 489.781
85 176.082 188.700 202.688 218.722 237.109 258.209 282.470 310.407 344.177 385.031 434.548 494.728 567.915
86 190.607 204.736 220.931 239.505 260.817 285.324 313.542 347.654 388.920 438.938 499.725 573.652 0.000
87 206.804 223.162 241.924 263.452 288.206 316.709 351.165 392.849 443.371 504.773 579.446 0.000 0.000
88 225.417 244.367 266.113 291.117 319.909 354.712 396.817 447.850 509.872 585.299 0.000 0.000 0.000
89 246.836 268.801 294.057 323.140 358.295 400.825 452.374 515.022 591.211 0.000 0.000 0.000 0.000
90 271.516 297.028 326.404 361.914 404.874 456.943 520.224 597.183 0.000 0.000 0.000 0.000 0.000
91 300.028 329.701 365.570 408.964 461.559 525.479 603.215 0.000 0.000 0.000 0.000 0.000 0.000
92 333.031 369.263 413.095 466.221 530.787 609.308 0.000 0.000 0.000 0.000 0.000 0.000 0.000
93 372.993 417.267 470.930 536.148 615.463 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
94 421.482 475.687 541.564 621.680 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
95 480.492 547.034 627.959 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
96 552.560 634.302 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
97 640.709 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
98 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
99 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
98D Female
Dur
Age 1 2 3 4 5 6 7 8 9 10 11 12 13
--- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -----
0 0.528 0.329 0.192 0.113 0.089 0.094 0.099 0.097 0.095 0.100 0.099 0.105 0.129
1 0.176 0.118 0.092 0.083 0.081 0.080 0.099 0.097 0.102 0.100 0.092 0.124 0.136
2 0.120 0.090 0.077 0.075 0.081 0.101 0.099 0.101 0.102 0.093 0.125 0.131 0.129
3 0.064 0.063 0.069 0.083 0.103 0.101 0.106 0.104 0.095 0.120 0.125 0.124 0.136
4 0.064 0.071 0.077 0.098 0.103 0.108 0.099 0.097 0.116 0.120 0.125 0.131 0.194
5 0.072 0.078 0.092 0.090 0.096 0.094 0.092 0.111 0.123 0.120 0.132 0.190 0.227
6 0.080 0.086 0.077 0.083 0.089 0.087 0.106 0.125 0.123 0.133 0.192 0.229 0.252
7 0.080 0.078 0.077 0.090 0.089 0.101 0.120 0.125 0.136 0.193 0.231 0.248 0.265
8 0.080 0.078 0.085 0.090 0.096 0.123 0.120 0.132 0.197 0.233 0.251 0.255 0.265
9 0.080 0.086 0.092 0.098 0.125 0.123 0.135 0.194 0.238 0.253 0.251 0.268 0.291
10 0.088 0.094 0.100 0.128 0.125 0.137 0.198 0.236 0.252 0.253 0.271 0.288 0.285
11 0.096 0.102 0.131 0.128 0.133 0.202 0.241 0.257 0.259 0.273 0.284 0.288 0.311
12 0.096 0.133 0.123 0.136 0.207 0.246 0.262 0.264 0.279 0.287 0.284 0.307 0.304
13 0.112 0.125 0.131 0.211 0.251 0.260 0.262 0.285 0.286 0.287 0.304 0.301 0.311
14 0.128 0.133 0.207 0.256 0.266 0.260 0.291 0.292 0.286 0.300 0.304 0.307 0.324
15 0.133 0.215 0.258 0.269 0.268 0.297 0.299 0.287 0.288 0.290 0.302 0.329 0.363
16 0.215 0.261 0.271 0.270 0.295 0.289 0.285 0.290 0.289 0.298 0.324 0.350 0.365
17 0.264 0.267 0.269 0.290 0.286 0.282 0.291 0.292 0.299 0.320 0.341 0.354 0.329
18 0.268 0.267 0.282 0.283 0.263 0.264 0.275 0.293 0.319 0.336 0.347 0.328 0.323
19 0.265 0.280 0.287 0.263 0.248 0.251 0.273 0.307 0.337 0.341 0.327 0.314 0.333
20 0.255 0.274 0.259 0.246 0.238 0.250 0.282 0.318 0.344 0.327 0.315 0.318 0.344
21 0.233 0.237 0.234 0.234 0.239 0.260 0.288 0.318 0.323 0.313 0.320 0.332 0.355
22 0.184 0.204 0.215 0.233 0.251 0.283 0.302 0.292 0.306 0.323 0.335 0.355 0.366
23 0.164 0.188 0.214 0.251 0.278 0.293 0.291 0.294 0.314 0.334 0.353 0.365 0.383
24 0.149 0.180 0.223 0.267 0.297 0.294 0.292 0.308 0.331 0.354 0.367 0.383 0.404
25 0.139 0.179 0.230 0.275 0.291 0.290 0.308 0.330 0.350 0.368 0.386 0.403 0.430
26 0.135 0.176 0.228 0.259 0.290 0.313 0.334 0.355 0.372 0.385 0.403 0.424 0.460
27 0.128 0.165 0.207 0.248 0.299 0.338 0.362 0.377 0.389 0.400 0.427 0.462 0.487
28 0.141 0.165 0.204 0.248 0.304 0.347 0.371 0.395 0.406 0.431 0.462 0.487 0.526
29 0.141 0.167 0.209 0.256 0.310 0.351 0.384 0.411 0.435 0.466 0.492 0.530 0.575
30 0.144 0.175 0.220 0.264 0.312 0.359 0.395 0.435 0.468 0.496 0.535 0.579 0.641
31 0.151 0.189 0.232 0.269 0.317 0.364 0.413 0.462 0.497 0.540 0.578 0.646 0.715
32 0.164 0.204 0.241 0.276 0.320 0.375 0.433 0.485 0.538 0.577 0.653 0.718 0.793
33 0.169 0.213 0.259 0.300 0.351 0.406 0.454 0.516 0.586 0.658 0.718 0.797 0.879
34 0.173 0.225 0.276 0.330 0.387 0.434 0.487 0.562 0.645 0.719 0.800 0.880 0.979
35 0.178 0.235 0.298 0.364 0.419 0.472 0.535 0.621 0.712 0.786 0.875 0.977 1.084
36 0.182 0.251 0.324 0.395 0.463 0.527 0.595 0.687 0.785 0.863 0.967 1.079 1.200
37 0.189 0.268 0.347 0.437 0.524 0.595 0.663 0.759 0.869 0.957 1.063 1.190 1.325
38 0.197 0.279 0.369 0.477 0.577 0.657 0.728 0.830 0.955 1.058 1.189 1.322 1.459
39 0.201 0.297 0.404 0.527 0.637 0.724 0.803 0.917 1.043 1.168 1.326 1.460 1.613
40 0.210 0.325 0.448 0.584 0.703 0.802 0.895 1.007 1.138 1.287 1.471 1.625 1.800
41 0.226 0.359 0.497 0.646 0.779 0.898 0.991 1.105 1.238 1.411 1.638 1.815 2.005
42 0.245 0.398 0.551 0.718 0.872 1.000 1.098 1.209 1.340 1.552 1.768 2.018 2.178
43 0.273 0.445 0.620 0.811 0.970 1.101 1.201 1.323 1.482 1.724 2.024 2.194 2.367
44 0.305 0.500 0.704 0.910 1.079 1.210 1.308 1.453 1.655 1.911 2.184 2.371 2.540
45 0.341 0.567 0.795 1.021 1.198 1.322 1.429 1.611 1.844 2.080 2.355 2.562 2.736
46 0.386 0.639 0.896 1.143 1.323 1.451 1.577 1.783 2.018 2.264 2.539 2.749 3.068
47 0.434 0.720 1.008 1.272 1.466 1.607 1.736 1.938 2.209 2.462 2.774 3.088 3.342
48 0.484 0.777 1.065 1.338 1.563 1.728 1.855 2.078 2.362 2.665 3.017 3.342 3.601
49 0.538 0.834 1.127 1.419 1.659 1.823 1.984 2.227 2.560 2.896 3.251 3.584 3.799
50 0.596 0.898 1.203 1.497 1.727 1.924 2.120 2.418 2.783 3.116 3.473 3.820 4.032
51 0.662 0.975 1.278 1.547 1.797 2.027 2.296 2.633 2.995 3.325 3.686 4.059 4.296
52 0.742 1.056 1.331 1.600 1.866 2.164 2.490 2.836 3.198 3.526 3.899 4.212 4.601
53 0.765 1.095 1.412 1.712 2.050 2.411 2.768 3.147 3.523 3.857 4.142 4.601 5.069
54 0.771 1.144 1.495 1.857 2.254 2.655 3.059 3.473 3.868 4.115 4.524 5.016 5.566
55 0.786 1.190 1.604 2.009 2.447 2.909 3.365 3.822 4.141 4.517 4.930 5.450 6.097
56 0.794 1.255 1.713 2.143 2.644 3.174 3.689 4.095 4.560 4.946 5.354 5.909 6.765
57 0.812 1.305 1.795 2.278 2.850 3.454 3.933 4.518 5.010 5.397 5.803 6.490 7.653
58 0.828 1.406 2.000 2.567 3.163 3.654 4.224 4.783 5.282 5.687 6.229 7.093 8.256
Age 14 15 16 17 18 19 20 21 22 23 24 25 ULT
--- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------
0 0.147 0.152 0.163 0.194 0.223 0.250 0.277 0.306 0.328 0.314 0.302 0.297 0.305
1 0.135 0.146 0.196 0.225 0.252 0.280 0.309 0.331 0.317 0.305 0.300 0.309 0.332
2 0.141 0.190 0.227 0.255 0.283 0.312 0.335 0.320 0.308 0.303 0.312 0.336 0.358
3 0.192 0.222 0.257 0.286 0.316 0.338 0.323 0.312 0.306 0.315 0.339 0.362 0.373
4 0.224 0.254 0.289 0.319 0.341 0.327 0.315 0.309 0.318 0.342 0.365 0.377 0.356
5 0.250 0.260 0.322 0.345 0.330 0.318 0.312 0.321 0.346 0.369 0.380 0.360 0.346
6 0.263 0.279 0.348 0.333 0.321 0.315 0.324 0.349 0.373 0.384 0.364 0.349 0.348
7 0.269 0.292 0.337 0.324 0.319 0.328 0.353 0.376 0.388 0.367 0.353 0.351 0.360
8 0.288 0.292 0.328 0.322 0.331 0.356 0.380 0.392 0.371 0.356 0.355 0.364 0.373
9 0.288 0.317 0.325 0.334 0.360 0.384 0.396 0.375 0.360 0.358 0.367 0.377 0.383
10 0.314 0.304 0.338 0.364 0.388 0.400 0.379 0.363 0.362 0.371 0.381 0.387 0.396
11 0.301 0.317 0.367 0.392 0.404 0.382 0.367 0.366 0.375 0.384 0.391 0.400 0.410
12 0.314 0.343 0.396 0.408 0.386 0.371 0.369 0.379 0.388 0.395 0.404 0.414 0.428
13 0.333 0.362 0.412 0.390 0.375 0.373 0.382 0.392 0.399 0.408 0.418 0.433 0.449
14 0.359 0.387 0.394 0.378 0.377 0.386 0.396 0.403 0.412 0.423 0.437 0.453 0.465
15 0.391 0.366 0.382 0.381 0.390 0.400 0.407 0.416 0.427 0.441 0.458 0.469 0.486
16 0.350 0.355 0.384 0.394 0.404 0.411 0.420 0.431 0.446 0.463 0.474 0.491 0.527
17 0.328 0.363 0.398 0.408 0.415 0.424 0.436 0.450 0.467 0.479 0.496 0.533 0.579
18 0.356 0.368 0.413 0.419 0.429 0.440 0.455 0.472 0.484 0.501 0.538 0.585 0.637
19 0.363 0.373 0.423 0.433 0.444 0.459 0.477 0.489 0.506 0.543 0.591 0.643 0.700
20 0.370 0.374 0.437 0.449 0.464 0.482 0.494 0.511 0.549 0.597 0.650 0.707 0.772
21 0.373 0.385 0.404 0.464 0.482 0.499 0.516 0.554 0.603 0.656 0.714 0.780 0.861
22 0.382 0.403 0.422 0.448 0.479 0.522 0.560 0.609 0.663 0.721 0.788 0.870 0.955
23 0.401 0.425 0.452 0.479 0.522 0.566 0.615 0.669 0.728 0.796 0.879 0.965 1.058
24 0.428 0.457 0.478 0.521 0.564 0.621 0.676 0.736 0.804 0.887 0.974 1.069 1.170
25 0.458 0.481 0.521 0.568 0.621 0.676 0.743 0.812 0.896 0.984 1.080 1.182 1.287
26 0.485 0.518 0.573 0.627 0.683 0.749 0.820 0.905 0.994 1.091 1.194 1.300 1.421
27 0.523 0.578 0.634 0.690 0.757 0.827 0.915 1.004 1.102 1.206 1.313 1.435 1.584
28 0.573 0.637 0.697 0.764 0.836 0.922 1.014 1.113 1.218 1.326 1.449 1.600 1.762
29 0.635 0.703 0.772 0.844 0.931 1.023 1.124 1.230 1.340 1.464 1.616 1.779 1.925
30 0.710 0.780 0.853 0.940 1.032 1.134 1.243 1.353 1.479 1.632 1.797 1.945 2.086
31 0.787 0.861 0.950 1.042 1.145 1.252 1.367 1.494 1.649 1.816 1.964 2.107 2.263
32 0.870 0.959 1.053 1.156 1.264 1.378 1.509 1.665 1.834 1.984 2.129 2.286 2.486
33 0.969 1.063 1.167 1.276 1.391 1.523 1.681 1.852 2.004 2.150 2.309 2.511 2.769
34 1.074 1.178 1.290 1.404 1.537 1.698 1.869 2.024 2.172 2.332 2.536 2.797 3.079
35 1.189 1.300 1.418 1.552 1.716 1.888 2.039 2.189 2.356 2.562 2.825 3.110 3.402
36 1.312 1.431 1.567 1.732 1.907 2.058 2.212 2.368 2.588 2.854 3.141 3.436 3.675
37 1.445 1.582 1.749 1.926 2.078 2.233 2.389 2.606 2.883 3.173 3.471 3.713 3.957
38 1.597 1.766 1.946 2.098 2.255 2.411 2.622 2.897 3.192 3.471 3.713 3.957 4.280
39 1.783 1.966 2.118 2.278 2.433 2.640 2.912 3.221 3.401 3.675 3.997 4.280 4.653
40 1.985 2.138 2.301 2.453 2.662 2.929 3.237 3.435 3.674 3.917 4.236 4.606 5.047
41 2.159 2.324 2.470 2.686 2.956 3.237 3.434 3.673 3.915 4.214 4.653 4.971 5.457
42 2.347 2.495 2.708 2.977 3.236 3.469 3.710 3.934 4.234 4.676 4.996 5.348 5.888
43 2.520 2.729 3.001 3.252 3.504 3.709 3.953 4.255 4.699 5.021 5.375 5.829 6.437
44 2.712 3.025 3.268 3.502 3.746 3.972 4.275 4.722 5.046 5.401 5.888 6.372 7.103
45 3.046 3.292 3.500 3.744 3.991 4.296 4.746 5.070 5.456 5.918 6.404 7.103 7.851
46 3.317 3.532 3.782 4.010 4.316 4.769 5.095 5.482 5.947 6.436 7.175 7.851 8.743
47 3.567 3.800 4.029 4.336 4.792 5.120 5.509 6.007 6.501 7.247 7.930 8.743 9.730
48 3.798 4.029 4.357 4.790 5.144 5.565 6.037 6.533 7.321 8.010 8.831 9.798 10.687
49 4.035 4.384 4.788 5.169 5.621 6.098 6.599 7.357 8.091 8.893 9.897 10.687 11.728
50 4.353 4.795 5.193 5.648 6.128 6.632 7.401 8.173 8.983 9.987 10.762 11.609 12.840
51 4.721 5.233 5.675 6.158 6.699 7.468 8.255 9.056 10.078 10.838 11.702 12.580 14.083
52 5.109 5.693 6.188 6.766 7.544 8.339 9.147 10.170 10.936 11.760 12.707 13.799 15.476
53 5.639 6.216 6.814 7.620 8.423 9.240 10.262 11.036 11.842 12.836 13.938 14.772 17.350
54 6.207 6.876 7.697 8.508 9.286 10.355 11.124 11.925 12.939 14.079 14.842 16.298 19.776
55 6.920 7.754 8.594 9.379 10.449 11.237 12.033 13.029 14.148 14.833 16.286 18.378 22.792
56 7.693 8.669 9.474 10.544 11.350 12.142 13.092 14.217 14.983 16.272 18.362 20.950 26.194
57 8.503 9.570 10.651 11.441 12.201 13.197 14.286 15.053 16.255 18.343 20.929 25.665 29.971
58 9.628 10.719 11.522 12.324 13.289 14.354 15.122 16.237 18.323 21.023 25.657 27.549 33.782
98D Female
Dur
Age 1 2 3 4 5 6 7 8 9 10 11 12 13
--- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- -------
59 0.840 1.524 2.229 2.881 3.389 3.995 4.527 5.045 5.553 6.066 6.815 7.684 8.970
60 0.848 1.659 2.477 3.105 3.765 4.358 4.834 5.307 5.910 6.595 7.391 8.384 9.732
61 0.870 1.803 2.621 3.480 4.170 4.739 5.151 5.652 6.409 7.105 8.074 9.137 10.415
62 0.889 1.825 2.906 3.889 4.602 5.142 5.559 6.133 6.886 7.707 8.809 9.824 11.127
63 0.914 2.025 3.131 4.087 4.762 5.357 5.937 6.534 7.391 8.269 9.384 10.553 11.945
64 1.065 2.241 3.362 4.283 4.982 5.678 6.275 7.004 7.915 8.745 9.977 11.304 12.841
65 1.234 2.471 3.603 4.544 5.305 5.950 6.669 7.490 8.354 9.226 10.572 12.126 13.824
66 1.418 2.718 3.912 4.911 5.588 6.265 7.066 7.894 8.794 9.696 11.211 13.025 15.177
67 1.621 3.027 4.330 5.257 5.917 6.814 7.735 8.297 9.219 10.190 11.895 14.266 17.578
68 1.939 3.526 4.915 6.027 6.796 7.620 8.415 9.102 10.241 11.708 14.348 17.561 21.558
69 2.348 4.064 5.618 6.900 7.697 8.586 9.048 10.005 11.395 13.698 17.508 21.739 25.397
70 2.599 3.983 6.055 6.943 7.771 8.665 9.666 10.976 13.099 16.491 20.671 24.725 28.928
71 2.919 4.298 6.362 7.152 8.508 9.504 10.814 12.497 15.405 19.541 23.756 28.289 32.684
72 3.358 4.869 6.743 7.745 9.350 10.641 12.232 14.994 18.793 22.458 27.530 32.275 36.046
73 3.779 5.424 7.209 8.496 10.355 11.929 14.807 17.699 21.660 26.048 31.108 35.768 39.828
74 4.254 6.026 7.812 9.438 11.722 14.101 17.065 20.821 24.855 29.360 34.355 39.107 43.755
75 4.684 6.610 8.793 10.696 13.361 16.397 19.775 23.970 28.056 32.342 37.612 43.017 48.405
76 5.178 7.370 10.093 12.323 15.399 18.678 22.738 27.059 31.129 35.367 41.458 47.279 56.386
77 5.733 8.550 11.638 14.505 18.038 21.523 25.630 30.171 34.433 39.078 46.010 54.969 66.499
78 6.489 9.828 13.567 16.670 20.717 24.518 28.326 33.794 37.954 43.533 52.848 64.766 78.315
79 7.466 11.327 15.592 19.272 23.746 27.483 31.441 37.584 42.621 50.679 62.051 76.196 89.563
80 8.621 13.090 17.922 21.946 26.303 30.271 35.017 41.653 49.645 58.879 73.476 88.388 99.048
81 9.926 15.102 20.566 24.274 29.041 33.576 39.065 47.140 58.143 69.579 84.029 96.598 104.722
82 11.399 17.255 22.907 26.670 32.062 37.630 44.154 56.033 69.106 80.634 94.089 102.132 107.733
83 12.944 19.521 25.290 29.586 36.446 42.586 55.495 65.850 79.184 91.696 101.690 108.573 120.988
84 15.202 21.509 27.840 33.869 42.984 54.912 66.948 80.336 92.921 102.370 109.406 122.024 135.962
85 18.891 24.288 31.849 39.666 54.474 67.821 81.727 94.402 103.915 110.244 123.068 137.235 152.859
86 24.207 30.425 38.919 51.816 68.713 82.912 96.104 105.674 112.080 124.121 138.520 154.403 165.085
87 29.635 38.124 50.777 69.602 84.123 97.620 107.646 114.090 126.362 139.817 155.963 166.752 178.708
88 37.281 49.859 68.565 85.336 99.158 109.466 116.270 128.743 142.506 157.538 168.437 180.513 193.897
89 47.460 69.822 84.670 100.718 111.316 118.354 131.255 145.308 160.753 170.138 182.336 195.856 211.346
90 67.775 86.261 100.557 113.195 120.474 133.727 148.227 164.034 173.610 184.178 197.834 213.480 231.421
91 84.624 102.485 113.633 122.647 136.260 151.141 167.382 177.153 187.937 199.833 215.637 233.759 254.565
92 101.438 115.850 123.703 138.826 154.112 170.798 180.769 191.772 203.911 217.815 236.120 257.136 281.294
93 115.566 126.138 140.625 157.142 174.283 184.458 195.686 208.072 222.260 238.505 259.734 284.135 312.236
94 126.688 143.431 159.793 177.840 188.222 199.680 212.319 226.796 243.373 262.357 287.005 315.390 349.701
95 144.907 163.020 181.470 192.063 203.755 216.652 231.425 248.339 267.711 289.904 318.575 353.234 395.160
96 165.575 185.173 195.983 207.913 221.073 236.148 253.408 273.175 295.821 321.793 356.802 399.151 450.481
97 188.952 199.983 212.156 225.585 240.967 258.579 278.750 301.858 328.361 360.406 403.183 455.032 518.054
98 204.064 216.486 230.189 245.885 263.856 284.439 308.018 335.062 367.761 407.256 459.628 523.287 647.181
99 220.904 234.886 250.903 269.241 290.243 314.304 341.900 375.266 415.567 464.271 528.573 653.718 0.000
Age 14 15 16 17 18 19 20 21 22 23 24 25 ULT
--- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- -------
59 10.452 11.612 12.449 13.352 14.469 15.192 16.401 18.300 21.117 25.376 27.736 31.393 37.213
60 11.193 12.564 13.487 14.569 15.262 16.381 18.275 21.330 25.360 27.892 31.607 35.334 40.639
61 11.967 13.561 14.638 15.247 16.546 18.141 21.425 25.341 28.080 31.856 35.691 38.587 44.543
62 12.755 14.661 15.401 16.713 18.217 21.519 25.040 28.301 32.002 35.860 38.976 42.743 50.090
63 13.612 15.556 16.690 18.293 21.613 25.012 28.491 32.148 36.028 39.161 42.720 47.813 57.535
64 14.542 16.820 18.368 21.706 25.123 28.618 32.293 36.196 39.345 43.152 48.040 55.152 67.384
65 15.837 18.465 21.800 25.233 28.907 32.620 36.364 39.742 43.356 48.526 55.651 64.661 78.992
66 17.520 21.893 25.343 29.134 32.949 36.532 39.712 43.559 48.859 56.153 65.245 75.800 90.338
67 21.599 25.453 29.329 33.097 36.699 40.113 43.999 49.248 56.601 65.766 76.404 87.600 99.904
68 25.415 29.457 33.431 36.663 40.298 44.205 49.479 56.870 66.290 77.095 88.024 96.877 105.627
69 29.417 33.580 37.033 40.483 44.410 49.979 57.445 66.605 77.709 88.448 96.836 102.426 108.031
70 33.272 36.991 40.532 44.371 49.941 57.531 67.063 78.079 88.871 97.814 103.138 105.631 115.805
71 36.861 40.624 44.524 50.336 57.863 67.451 78.784 89.294 98.386 103.962 105.816 114.752 124.488
72 40.438 44.625 50.124 58.258 67.767 79.240 90.196 98.750 104.682 106.439 115.557 124.865 134.137
73 44.473 50.183 58.529 68.157 79.356 90.138 99.216 105.295 107.514 116.008 125.873 135.492 144.865
74 49.447 58.477 68.398 79.812 91.048 100.219 105.910 108.146 116.818 127.016 136.861 146.329 156.820
75 57.770 68.863 79.919 91.770 101.231 106.526 108.894 117.450 128.169 138.243 147.807 158.404 170.149
76 68.267 80.285 92.297 101.707 107.259 109.878 118.206 129.398 139.640 149.300 160.004 171.868 185.460
77 79.314 92.019 102.182 107.764 110.286 118.903 130.639 141.050 150.808 161.620 173.604 187.334 203.077
78 90.706 102.098 108.386 110.927 119.476 131.358 142.475 152.331 163.253 175.357 189.226 205.128 223.386
79 100.312 108.537 110.494 119.796 131.875 143.914 153.870 164.902 177.129 191.137 207.200 225.642 246.841
80 106.415 110.766 119.981 132.349 145.368 155.424 166.567 178.918 193.068 209.293 227.922 249.334 273.993
81 108.472 120.288 132.213 146.836 156.994 168.250 180.725 195.018 211.407 230.224 251.853 276.761 306.870
82 119.961 133.451 148.319 158.580 169.949 182.551 196.988 213.543 232.549 254.397 279.557 309.970 346.761
83 134.701 149.817 160.181 171.666 184.395 198.978 215.700 234.898 256.967 282.380 313.101 350.264 395.307
84 151.331 161.799 173.400 186.257 200.988 217.879 237.271 259.562 285.233 316.264 353.802 399.300 454.604
85 163.434 175.152 188.138 203.018 220.079 239.668 262.184 288.114 319.458 357.376 403.333 459.196 567.915
86 176.921 190.039 205.068 222.302 242.089 264.832 291.024 322.685 360.985 407.407 463.834 573.652 0.000
87 191.958 207.140 224.548 244.534 267.507 293.964 325.945 364.632 411.523 468.519 579.446 0.000 0.000
88 209.232 226.816 247.004 270.210 296.933 329.237 368.315 415.679 473.252 585.299 0.000 0.000 0.000
89 229.107 249.499 272.939 299.932 332.563 372.035 419.878 478.032 591.211 0.000 0.000 0.000 0.000
90 252.019 275.696 302.962 335.922 375.793 424.119 482.860 597.183 0.000 0.000 0.000 0.000 0.000
91 278.481 306.022 339.315 379.589 428.403 487.738 603.215 0.000 0.000 0.000 0.000 0.000 0.000
92 309.113 342.742 383.423 432.731 492.665 609.308 0.000 0.000 0.000 0.000 0.000 0.000 0.000
93 346.204 387.296 437.102 497.641 615.463 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
94 391.208 441.517 502.668 621.680 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
95 445.977 507.745 627.959 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
96 512.874 634.302 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
97 640.709 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
98 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
99 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
This Amendment is made as of January 1, 2001 between GE Life and Annuity
Assurance Company (hereinafter referred to as "the Company") and Life
Reassurance Corporation of America, now known as Swiss Re Life & Health America
Inc. (hereinafter referred to as "the Reinsurer") and is applicable to the
following Agreements:
5690-1, Automatic YRT Agreement, Effective February 1, 1992
6183-1, Automatic YRT Agreement, Effective October 1, 1994
6274-1, Automatic YRT Agreement, Effective March 1, 1996
6471-1, Automatic YRT Agreement, Effective September 1, 1996
6731-1, Automatic YRT Agreement, Effective October 1, 1999
It is hereby agreed that effective January 1, 2001, the Automatic Binding Limits
for the reinsurance pool shall be thirty times the Company's retention, not to
exceed the maximums listed below:
Ages All Ratings
----- -----------
0-75 $30,000,000
76-89 $ 3,000,000
All other terms and conditions in the Agreements remain unaltered.
Made in duplicate and executed by both parties.
Signed for and on behalf of GE Life and Annuity Assurance Company
By: Illegible By: Illegible
------------------------ ------------------------
Title: SR VP Title: VP
Date: October 22, 2001 Place: Richmond, VA
Signed for and on behalf of Life Reassurance Corporation of America (now known
as Swiss Re Life & Health America Inc.)
By: Illegible By: Illegible
------------------------ ------------------------
Title: Vice President Title: Second VP
Date: September 17, 2001 Place: _______CT
This Amendment is made as of January 1, 2001 between GE Life and Annuity
Assurance Company (hereinafter referred to as "the Company") and Swiss Re Life
and Health America Inc. (hereinafter referred to as "the Reinsurer") and is
applicable to the following Agreements:
NA2815-82, Automatic Coinsurance Agreement, Effective June 1, 1982
NA2990-82, Automatic YRT Agreement, Effective March 1, 1982
NA3273-84, Automatic Coinsurance Agreement, Effective June 1, 1984
SBA004-92, Automatic YRT Agreement, Effective February 1, 1992
6948-1, Automatic YRT Agreement, Effective November 1, 2000
It is hereby agreed that effective January 1, 2001, the Automatic Binding Limits
for the reinsurance pool shall be thirty times the Company's retention, not to
exceed the maximums listed below:
Ages All Ratings
----- -----------
0-75 $30,000,000
76-89 $ 3,000,000
All other terms and conditions in the Agreements remain unaltered.
Made in duplicate and executed by both parties.
Signed for and on behalf of GE Life and Annuity Assurance Company
By: Illegible By: Illegible
------------------------ ------------------------
Title: SR VP Title: VP
Date: October 22, 2001 Place: Richmond, VA
Signed for and on behalf of Swiss Re Life & Health America Inc.
By: Illegible By: Illegible
------------------------ ------------------------
Title: Vice President Title: Second VP
Date: September 17, 2001 Place: Stanford, CT
Swiss Re America
AMENDMENT NO. VIII
To the Automatic Reinsurance Agreement
Between the
LIFE INSURANCE COMPANY OF VIRGINIA
And
SWISS RE LIFE COMPANY AMERICA
Except as hereinafter specified, all terms and conditions of the Automatic
Reinsurance Agreement effective the 1st day of June, 1984, amendments and
addenda attached thereto, shall apply, and this Amendment is to be attached to
and made a part of the aforesaid Agreement.
It is mutually agreed that effective the 1st day of September, 1996, EXHIBIT G,
Automatic Binding Limits To The Reinsurance Pool, is revised as attached;
Section 5 of Memorandum Addenda IX and XIV is revised as attached; EXHIBIT B of
Memorandum Addenda IX and XIV are replaced in their entirety by the attached
EXHIBIT B.
IN WITNESS WHEREOF, the Company and Swiss Re America have caused their names to
be subscribed and duly attested hereunder by their respective Authorized
Officers.
LIFE INSURANCE COMPANY OF VIRGINIA
By: Illegible Attest: Illegible
------------------------ ---------------------------
Title: Zd VP Title: Illegible
Date: 10/29/94 Date: 10/29/96
SWISS RE LIFE COMPANY AMERICA
By: Illegible Attest: Illegible
------------------------ ---------------------------
Title: Vice President Title: Asst VP
Date: 11/1/96 Date: 11/1/96
- 1 -
Swiss Re America
AUTOMATIC BINDING LIMITS TO THE REINSURANCE POOL
I A. Survivor Life (Joint & Last Survivor UL) Plan:
LOV Total Auto SRA Share of
Ages Retention Pool Coverage* Auto Cover*
----- ---------- -------------- ------------
0-75 $1,000,000 $9,000,000 $1,800,000
76-80 100,000 1,900,000 380,000
81-85 100,000 1,000,000 200,000
* Retention and automatic coverage will be based on the younger age.
B. T10, T15 and T20 Plans:
LOV Total Auto SRA Share of
Ages Retention Pool Coverage* Auto Cover*
----- ---------- -------------- ------------
0-75 $1,000,000 $9,000,000 $1,350,000
76-80 100,000 1,400,000 210,000
C. All Other Plans:
LOV Total Auto SRA Share of
Ages Retention Pool Coverage* Auto Cover*
----- ---------- -------------- ------------
0-75 $1,000,000 $9,000,000 $1,800,000
76-80 100,000 1,400,000 280,000
EXHIBIT G
Swiss Re America
REINSURANCE PREMIUMS
I. Plans: Graded Premium Life (TLevel 10)
15 Year Graded Premium Life (TLevel 15)
20 Year Graded Premium Whole Life (TLevel 20)
II. Standard Reinsurance Risk Premiums: Reinsurance on the above plans shall be
ceded on a bordereau basis employing annual reinsurance premiums. The
reinsurance premiums shall equal the mortality assumptions shown on the
diskette labeled Exhibit B-1, attached to this Exhibit B, multiplied by the
following factors:
TLevel 10
Super
Issue Preferred Preferred Regular Preferred Regular
Age Non-Smoker Non-Smoker Non-Smoker Smoker Smoker
--------- ---------- ---------- ---------- --------- -------
0-40 1.10 1.30 1.54 1.35 1.21
41-60 .95 1.12 1.32 1.12 1.13
61 & Over .98 1.15 1.32 1.25 1.24
TLevel 15
Super
Issue Preferred Preferred Regular Preferred Regular
Age Non-Smoker Non-Smoker Non-Smoker Smoker Smoker
--------- ---------- ---------- ---------- --------- -------
0-40 1.10 1.30 1.42 1.35 1.11
41-60 .92 1.08 1.14 1.12 1.06
61 & Over 1.02 1.20 1.25 1.25 1.32
TLevel 20
*Super
Issue Preferred Preferred Regular Preferred Regular
Age Non-Smoker Non-Smoker Non-Smoker Smoker Smoker
--------- ---------- ---------- ---------- --------- -------
0-40 1.10 1.30 1.63 1.35 1.11
41-60 .92 1.08 1.31 1.12 1.06
After the initial 20 year level period, reinsurance premiums shall be
developed by applying the factors specified above to the T10/T15 ultimate
mortality assumptions specified in Exhibit B-1 of this Exhibit B.
Re-entry is available after 10 years for the TLevel 10 plan, 15 years for
the TLevel 15 plan and 20 years for the TLevel 20 plan respectively. Upon
re-entry, the policy is treated as a new issue.
*Super preferred nonsmoker class is available only at face amount bands of
$200,000+.
EXHIBIT B
Page 1 of 2
Swiss Re America
III. Multiple Table Substandard Reinsurance Premiums: For the TLevel 10 and
TLevel 15 policies, multiple table substandard reinsurance premiums are
equal to the sum of the standard premium (the classes listed in Section II,
above) and 25% of the standard premium for each 25% excess mortality. For
the 20 year level premium period, multiple table substandard reinsurance
premiums are equal to the sum of the standard premium developed in Section
II, above, plus 20% of that standard premium for each 25% excess mortality.
After the 20th policy year, multiple table substandard reinsurance premiums
are equal to the sum of the standard premium plus 25% of that standard
premium for each 25% excess mortality.
IV. Maximum Amount of Reinsurance On One Life On These Reinsurance Premiums:
$5,000,000. For the excess amount over $5,000,000 rate schedule NRN-5833,
which is attached to the basic agreement, will apply. The nonsmoker rates
in schedule NRN-5833 will be used for Super Preferred Non-Smoker, Preferred
Nonsmoker and Regular Non-Smoker. The smoker rates will be used for both
Preferred Smoker and Regular Smoker.
V. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
Page 2 of 2
Swiss Re America
Xxxxxx X. Xxxxx
Senior Underwriting Officer
Xx. Xxxxxxx Xxxxxx Swiss Re Life Company America
Reinsurance Specialist 000 Xxxx Xxxxxx
The Life Insurance Company of Virginia New York, New York 10017
0000 Xxxx Xxxxx Xxxxxx
P. O. Box 27601 Telephone (000) 000-0000
Richmond, Virginia 23261 Fax (000) 000-0000
July 25, 1996
Dear Xx. Xxxxxx:
To my chagrin, I realize I failed to respond to your letter of May 10, 1996,
regarding coverage now ceded to us on certain lives on which we had not made
final facultative acceptances.
The three lives are:
Xxxxxxxxx - Policy NO1888171
Kassel - Policy NO1974329
Xxxxxx - Policy NO1907855
As quite sometime has elapsed since these policies were issued, I think it
easiest and best to agree to have the reinsurance remain with Swiss Re America.
I believe these are the final lives involved regarding continuing the
reinsurance on certain policies you had identified.
Again, my apologies for the delay in responding.
Best personal regards.
Sincerely,
/s/ Xxxxxx X. Xxxxx
------------------------------
Xxxxxx X. Xxxxx
Senior Underwriting Officer
Swiss Re America
Memorandum Addendum No. XIV to the Automatic Reinsurance Agreement effective
June 1, 1984 between the Life Insurance Company of Virginia and Swiss Re Life
Company America.
Effective March 1, 1996, reinsurance generated on the 20 Year Graded Premium
Whole Life plan, (TLevel 20), shall be ceded under the above referenced
Reinsurance Agreement subject to the same terms and conditions of the Agreement
except as provided below:
1. Plan of Reinsurance:
A. Reinsurance of Life risks shall be on the risk premium basis. The risk
amount on the policy reinsured shall be calculated annually and shall
be equal to the face amount less the Company's retention.
2. Reinsurance Administration:
A. Reinsurance shall be ceded using a bordereau format in accordance with
the suggested reporting details for Non-Universal Life products as
indicated in Exhibit C of the basic Agreement.
3. Reinsurance Premiums:
A. Life Premiums
i) Until further notice, reinsurance premiums shall be developed as
described in the Exhibit B attached to this Memorandum Addendum.
Swiss Re America guarantees that premium rates for a given
attained age, rating, and duration shall not exceed the higher of
the rate shown in the attached schedule (Exhibit B) for that age,
rating, and duration or the one year term rate on the appropriate
multiple of the applicable 1980 CSO table at the maximum
statutory valuation rate approved in New York state.
ii) Reinsurance premiums are annual premiums payable at the end of
the month in which they become due.
4. Premium Tax Reimbursement:
A. The reinsurance premiums for these plans of insurance have been
calculated to reflect the Ceding Company's premium tax liability.
Swiss Re America shall not make any additional reimbursement for
premium taxes.
5. Percentage of Participation:
A. Swiss Re America's percentage of participation shall be equal to 20%
of 100%.
- 1 -
Swiss Re America
IN WITNESS WHEREOF, the Company and Swiss Re America have caused their names to
be subscribed and duly attested hereunder by their respective Authorized
Officers.
THE LIFE INSURANCE COMPANY OF VIRGINIA.
By: Illegible Attest: Illegible
------------------------ ---------------------------
Title: Illegible Title: Illegible
Date: 5/7/96 Date: 5/7/96
SWISS RE LIFE COMPANY AMERICA
By: Illegible Attest: Illegible
------------------------ ---------------------------
Title: Vice President Title: asst VP
Date: 5/10/96 Date: 5/10/96
- 2 -
Swiss Re America
REINSURANCE PREMIUMS
I. Plan: 20 Year Graded Premium Whole Life (TLevel 20)
II. Standard Reinsurance Risk Premiums: Reinsurance on the above plan shall be
ceded on a bordereau basis employing annual reinsurance premiums. The
reinsurance premiums shall equal the mortality assumptions attached to this
Exhibit B as Exhibit B-1, multiplied by the following factors:
*Super
Issue Preferred Preferred Standard Preferred Standard
Age Nonsmoker Nonsmoker Nonsmoker Smoker Smoker
----- --------- --------- --------- --------- --------
0-40 1.10 1.30 1.30 1.35 1.11
41-60 0.92 1.08 1.05 1.12 1.06
After the initial 20 year level period, reinsurance premiums shall be
developed by applying the factors specified above to the T10/T15 ultimate
mortality assumptions specified in Memorandum Addendum No. IX to this
Agreement.
Re-entry is available from the 20th policy anniversary through attained age
60. Upon re-entry, the policy is treated as a new issue.
*Super preferred nonsmoker class is available only at face amount bands of
$200,000+.
III. Multiple Table Substandard Reinsurance Premiums: During the 20 year level
premium period, multiple table substandard reinsurance premiums are equal
to the sum of the standard premium developed in Section II, above, plus 20%
of that standard premium for each 25% excess mortality. After the 20th
policy year, multiple table substandard reinsurance premiums are equal to
the sum of the standard premium plus 25% of that standard premium for each
25% excess morality.
IV. Recapture: Reinsurance ceded on these rates shall not be eligible for
recapture before the tenth policy anniversary.
EXHIBIT B
Swiss Re America
AMENDMENT NO. VII
To the Automatic Reinsurance Agreement
Between the
LIFE INSURANCE COMPANY OF VIRGINIA
And
SWISS RE LIFE COMPANY AMERICA
Except as hereinafter specified, all terms and conditions of the Automatic
Reinsurance Agreement effective the 1st day of June, 1984, amendments and
addenda attached thereto, shall apply, and this Amendment is to be attached to
and made a part of the aforesaid Agreement.
It is mutually agreed that effective the 1st day of October, 1995, EXHIBIT B,
Reinsurance Premiums, attached to Memorandum Addendum No. IX of the Agreement to
which this Amendment is attached, is revised as follows.
IN WITNESS WHEREOF, the Company and Swiss Re America have caused their names to
be subscribed and duly attested hereunder by their respective Authorized
Officers.
LIFE INSURANCE COMPANY OF VIRGINIA.
By: Illegible Attest: Illegible
------------------------ ---------------------------
Title: Illegible Title: Illegible
Date: Nov 27, 1995 Date: Nov. 27, 1995
SWISS RE LIFE COMPANY AMERICA
By: Illegible Attest: Illegible
------------------------ ---------------------------
Title: Assistant Vice President Title: Asst VP
Date: November 29, 1995 Date: 11/29/95
- 1-
Swiss Re Life & Health
[LOGO]
This Automatic Self Administered YRT Reinsurance Agreement
Effective November 1, 2000
is made between
GE Life and Annuity Assurance Company
of Richmond, Virginia
(hereinafter referred to as "the Company")
and
Swiss Re Life & Health America Inc.
of Stamford, Connecticut
(hereinafter referred to as "the Reinsurer")
The following Articles, qualified by the Exhibits of the Agreement, will form
the basis of the Agreement.
This Agreement will be referred to as Agreement No. 6948-1
2
Table of Contents
Article 1
1.1 Scope of Coverage
1.2 Forms, Manuals, Issue Rules
Article 2
2.1 Automatic Coverage
2.2 Facultative Coverage
Article 3
3.1 Automatic Submissions
3.2 Facultative Submissions
Article 4
4.1 Premium Accounting
4.2 Non-Payment of Premiums
Article 5
5.1 Right of Offset
Article 6
6.1 Conversions
6.2 Policy Changes
6.3 Reductions
6.4 Lapses
6.5 Reinstatements
6.6 Minimum Reinsurance Limit
Article 7
7.1 Retention Limit Changes
7.2 Recapture
Article 8
8.1 Liability
8.2 Commencement of Automatic Reinsurance Liability
8.3 Commencement of Facultative Reinsurance Liability
8.4 Conditional or Interim Receipt Liability
3
Article 9
9.1 Claims Notice
9.2 Claims Payment
9.3 Contested Claims
9.4 Claims Expenses
9.5 Extra Contractual Obligations
9.6 Misstatement of Age or Sex
Article 10
10.1 Oversights
10.2 Arbitration
Article 11
11.1 Insolvency
Article 12
12.1 DAC Tax
12.2 Taxes and Expenses
Article 13
13.1 Entire Agreement
13.2 Parties to Agreement
13.3 Inspection of Records
13.4 Good Faith
13.5 Confidentiality
Article 14
14.1 Duration of Agreement
14.2 Severability
14.3 Construction
Exhibits
A-1 Business Covered
A-2 Required Forms, Manuals & Issue Rules - Conditional Receipt Amount
B Application for Reinsurance
C General Terms - Reinsurance Rates and Allowances
D The Company's Retention Limits
E The Automatic Acceptance Limits
F Reinsurance Reports
G DAC Tax Election
4
Article 1
1.1 Scope of Coverage
This Agreement applies to all insurance policies and supplementary benefits
and riders attached thereto (hereinafter referred to as "policies"}, as
listed in Exhibit A-1, which have been issued directly by the Company in
accordance with its underwriting rules, premium rates and policy forms as
provided to the Reinsurer.
The Company will cede, and the Reinsurer will accept risk on the above
referenced policies in accordance with the terms and conditions of this
Agreement. The policies accepted by the Reinsurer will be hereinafter
referred to as "Reinsured Policies".
The Company may not reinsure the amount it has retained on the business
covered hereunder on any basis whatsoever without the Reinsurer's written
consent.
This Agreement does not cover the following on an automatic basis unless
specified elsewhere in this Agreement:
1.1.1 Noncontractual conversions, rollovers, or exchanges; or
1.1.2 Any business issued under a program where full current evidence of
insurability consistent with the amount of insurance is not obtained,
or where conventional selection criteria are not applied in
underwriting the risk; or
1.1.3 Any conversion of a previously issued policy that had been reinsured
with another reinsurer.
Each policy covered under this Agreement must provide for the maximum
normal periods of suicide and contestability protection permitted in the
state in which the policy is executed.
1.2 Forms, Manuals, Issue Rules
The Company affirms that its retention schedule, underwriting rules, issue
rules, premium rates and policy forms applicable to the Reinsured Policies
and in use as of the effective date of this Agreement have been supplied to
the Reinsurer as listed in Exhibit A-2; that it has fully disclosed all
material facts regarding the business reinsured hereunder.
The Company will notify the Reinsurer of any proposed material changes in
its retention schedule and/or underwriting and issue rules and/or premium
rates and/or policy forms. This Agreement will not extend to policies
issued pursuant to such changes unless the Reinsurer has consented in
writing to accept policies subject to such changes.
It is the Company's responsibility to ensure that the applicable forms are
in compliance with current Medical Information Bureau (M.I.B.) regulations.
5
Article 2
2.1 Automatic Coverage
For automatic reinsurance coverage of any policy covered under this
Agreement, the Company will retain the amount stipulated in Exhibit D
according to the age and mortality rating at the time of underwriting. The
Company will automatically cede the amount of reinsurance to the Reinsurer
according to the Automatic Acceptance Limits specified in Exhibit E.
2.2 Facultative Coverage
The reinsurance will be on a facultative basis if the Company receives an
application for a policy covered under this Agreement for which:
2.2.1 The total of the new reinsurance required and the amount already
reinsured on that life under this Agreement and all other life
agreements between the Reinsurer and the Company, exceeds the
Automatic Acceptance Limits set out in Exhibit E; or
2.2.2 The Company intends to retain less than the Retention Limit set out
in Exhibit D taking into account the applicant's age and mortality
rating; or
2.2.3 The amount of insurance in force, including any coverage to be
replaced, plus the amount currently applied for on that life in all
companies exceeds the Jumbo Limit stated in Exhibit E; or
2.2.4 The application is on a life for which an application had been
submitted by the Company on a facultative basis to the Reinsurer or
any other reinsurer within the last 3 years, unless the reason for
submitting facultatively no longer applies.
The reinsurance will also be on a facultative basis if the Company submits
an application to the Reinsurer for its consideration on a plan or rider
which qualifies for automatic reinsurance under this Agreement.
The relevant terms and conditions of this Agreement will apply to those
facultative offers made by the Reinsurer which are accepted by the Company.
6
Article 3
3.1 Automatic Submissions
The Company will submit automatic policies to the Reinsurer according to
the reporting terms set out in Exhibit F.
Upon the request of the Reinsurer, the Company will send to the Reinsurer
copies of the application, underwriting papers and other papers on a life
reinsured automatically under this Agreement.
3.2 Facultative Submissions
The Company will apply for reinsurance on a facultative basis by sending to
the Reinsurer an Application for Reinsurance, a sample of which is included
as Exhibit B. Accompanying this Application for Reinsurance will be copies
of all underwriting evidence that is available for risk assessment. Any
subsequent information received by the Company that is pertinent to the
risk assessment will be transmitted to the Reinsurer immediately.
After consideration of the Application for Reinsurance and related papers,
the Reinsurer will promptly inform the Company of its underwriting
decision.
If the underwriting decision is acceptable to the Company and the Company's
policy is subsequently placed in force in accordance with the issue rules
provided to the Reinsurer, the Company will duly notify the Reinsurer
according to the terms outlined in Exhibit F.
The Company will advise the Reinsurer in writing if the Application for
Reinsurance is not to be placed with the Reinsurer.
7
Article 4
4.1 Premium Accounting
The Company will pay the Reinsurer premiums in accordance with the terms
specified in Exhibit C.
The method and requirements for reporting and remitting premiums are
outlined in Exhibit F.
The Reinsurer reserves the right to charge interest on overdue premiums.
The interest will be calculated according to the terms and conditions
specified in Exhibit C.
4.2 Non-Payment of Premiums
The Reinsurer may terminate its liability for any Reinsured Policy for
which the premiums have not been paid within 60 days after the Due Date
stated in Exhibit F, by giving the Company 15 days written notice of such
termination.
Notwithstanding such termination, the Company is still obligated to pay the
overdue premiums, plus interest to the date of payment.
The Company will not force termination under the provisions of this Article
solely to avoid the recapture requirements or to transfer the Reinsured
Policies to another reinsurer.
8
Article 5
5.1 Right of Offset
The Company and the Reinsurer will have the right to offset any balance or
balances whether on account of premiums, allowances or claims due from one
party to the other, under this Agreement or under any other reinsurance
agreement between the Company and the Reinsurer.
The right of offset will not be affected or diminished because of the
insolvency of either party.
9
Article 6
6.1 Conversions
In the event of the conversion of a Reinsured Policy the policy arising
from the conversion will be reinsured with the Reinsurer. The amount to be
reinsured will be determined on the same basis as used for the original
policy (e.g. excess of retention, quota share) but will not exceed the
amount reinsured as of the date of conversion unless mutually agreed
otherwise.
If the policy arising from a conversion is on a plan that is:
6.1.1 Reinsured on a coinsurance basis with the Reinsurer, the appropriate
premium at the attained age will be used and the policy year for the
purpose of commission rates will be based on the duration of the
original policy; or
6.1.2 Reinsured on a YRT basis with the Reinsurer, the appropriate YRT rate
at the attained age and duration of the original policy will be used
and any allowance will be based on the duration of the original
policy; or
6.1.3 Not covered by any reinsurance agreement with the Reinsurer,
reinsurance will be on a YRT basis using the YRT rates specified in
Exhibit C, at the attained age and duration of the original policy.
The above terms will apply unless specified otherwise in Exhibit C.
Unless mutually agreed otherwise, policies that had been reinsured with
another reinsurer and which convert to a plan covered under this Agreement
will not be reinsured with the Reinsurer.
6.2 Policy Changes
If the plan, the amount of reinsurance or the premiums of a Reinsured
Policy are changed, the Company will promptly inform the Reinsurer.
Whenever a Reinsured Policy is changed and the Company's underwriting rules
do not require that full evidence be obtained, the reinsurance will remain
in effect with the Reinsurer. The suicide, contestability and recapture
periods applicable to the original Reinsured Policy will apply to the
reissued Reinsured Policy and the duration will be measured from the
effective date of the original Reinsured Policy.
Whenever any Reinsured Policy is changed and the Company's underwriting
rules require that full evidence be obtained, the change will be subject to
the Reinsurer's approval, if:
6.2.1 The new amount of the Reinsured Policy would be in excess of the
Automatic Acceptance Limit, in effect at the time of the change, as
set out in Exhibit E; or
10
6.2.2 The new amount of the policy and the amount already in force on the
same life exceeds the Jumbo Limit stated in Exhibit E; or
6.2.3 The Reinsured Policy is on a facultative basis.
The amount of any non-contractual increase will be subject to the terms
stated in Exhibit C.
The Company will report the details of all changes according to the terms
outlined in Exhibit F, Reinsurance Reports.
For changes not covered under this Agreement, which affect the terms of any
Reinsured Policy, the Company must obtain the Reinsurer's approval before
such changes become effective.
6.3 Reductions
Unless specified otherwise in this Agreement, if the amount of insurance of
a policy issued by the Company is reduced, then the amount of reinsurance
on that life will be reduced effective the same date by the full amount of
the reduction under the original policy. If the amount of insurance
terminated equals or exceeds the amount of reinsurance, the full amount of
reinsurance is terminated. If the reinsurance is a quota share of the
policy issued by the Company, the reduction would be proportional.
The reduction will first apply to any reinsurance on the policy being
reduced and then in a chronological order according to policy date ("first
in, first out") to any reinsurance on the other policies in force on the
life. However, the Company will not be required to assume a risk for an
amount in excess of its regular retention for the age at issue and the
mortality rating of the policy under which reinsurance is being terminated.
If the reinsurance for a policy has been placed with more than one
reinsurer, the reduction will be applied to all reinsurers pro rata to the
amounts originally reinsured with each reinsurer.
6.4 Lapses
When a policy lapses, the corresponding Reinsured Policy will be terminated
effective the same date. The Reinsurer's liability with respect to unearned
premiums on the terminated Reinsured Policy is set out in Exhibit F.
Unless specified otherwise in this Agreement, if a policy fully retained by
the Company lapses, the Reinsured Policy or Policies on that same life will
be reduced or terminated effective the same date in order for the Company
to maintain its full retention. The terms under the preceding Reductions
clause would apply.
11
If the Company allows extended or reduced paid-up insurance following a
lapse, the reinsurance will be appropriately amended. If the Company allows
the policy to remain in force under its automatic premium loan regulations,
the reinsurance will continue unchanged and in force as long as such
regulations remain in effect, except as provided for otherwise in this
Agreement.
6.5 Reinstatements
If a policy reinsured on an automatic basis is reinstated in accordance
with its terms or the rules of the Company, as provided to the Reinsurer,
the Reinsured Policy will be reinstated automatically by the Reinsurer. The
Reinsurer's approval is required only for the reinstatement of a
facultative policy when the Company's regular reinstatement rules indicate
that more evidence than a Statement of Good Health is required.
The Company's liability with respect to the premiums in arrears is set out
in Exhibit F.
6.6 Minimum Reinsurance Limit
The Company may not submit a policy to the Reinsurer unless the amount of
the policy to be reinsured exceeds the Minimum Initial Reinsurance Limit
specified in Exhibit C. The Reinsured Policy will be canceled whenever its
net amount at risk becomes less than the Minimum Final Reinsurance Limit
set out in Exhibit C.
12
Article 7
7.1 Retention Limit Changes
If the Company changes its retention limits, it will provide the Reinsurer
with written notice of the new retention limits and the effective date.
A change to the Company's Retention Limits in Exhibit D will not affect the
Reinsured Policies in force at the time of such a change except as
specifically provided for elsewhere in this Agreement.
7.2 Recapture
The Company may apply its increased retention limits to reduce the benefit
amount of in force Reinsured Policies provided:
7.2.1 The Company gives the Reinsurer written notice of its intention to
recapture within 90 days of the effective date of the retention
increase; and
7.2.2 Such recaptures are made on the next anniversary of each Reinsured
Policy affected and with no recapture being made until the Reinsured
Policy has been in force for the period stated in Exhibit C. For a
conversion policy or re-entry, the recapture terms of the original
policy will apply and the duration for the recapture period will be
measured from the effective date of the original policy; and
7.2.3 The Company has maintained from the time the policy was issued, its
full retention as set out in Exhibit D for the plan and the insured's
classification. Reinsured policies on a first dollar quota share
basis will not be eligible for recapture; and
7.2.4 The Company has applied its increased Retention Limits in a
consistent manner to all categories of its Retention Limits set out
in Exhibit D unless otherwise agreed to by the Reinsurer.
In applying its increased Retention Limits to Reinsured Policies, the age
and mortality rating at the time of issue will be used to determine the
amount of the Company's increased retention.
Recapture as provided herein is optional with the Company, but if any
Reinsured Policy is recaptured, all Reinsured Policies eligible for
recapture under the provisions of this Article must be recaptured. If there
is reinsurance in other companies on risks eligible for recapture, the
necessary reduction is to be applied pro rata to the total outstanding
reinsurance.
13
The amount of reinsurance eligible for recapture is based on the
reinsurance net amount at risk as of the date of recapture.
The Company may not recapture reinsurance if the Company has either
obtained or increased stop loss reinsurance coverage as justification for
the increase in retention.
If there is a Waiver of Premium (W.P.) claim in effect when recapture takes
place, the W.P. claim will stay in effect until the W.P. claim terminates.
The Reinsurer will not be liable for any other benefits, including the
basic life risk, that are eligible for recapture. All such eligible
benefits will be recaptured as if there was no W.P. claim.
The Reinsurer will not be liable, after the effective date of recapture,
for any Reinsured Policies or portions of such Reinsured Policies eligible
for recapture, that the Company has overlooked. The Reinsurer will be
liable only for a credit of the premiums, received after the recapture
date, less any allowance.
The terms and conditions for the Company to recapture in force Reinsured
Policies due to the insolvency of the Reinsurer are set out in the
Insolvency clause in Article 11.
If the Company transfers business which is reinsured under this Agreement
to a successor company, then the successor company has the option to
recapture the reinsurance, in accordance with the recapture criteria
outlined in this Article, only if the successor company has a higher
retention limit than the Company.
14
Article 8
8.1 Liability
Unless specified elsewhere in the Agreement, the Reinsurer's liability for
the Reinsured Policies is restricted to its share of the Company's
liability as limited by the terms and conditions of the particular policy
under which the Company is liable.
The Reinsurer may terminate its liability for any policies for which
reinsurance premium payments are in arrears, according to the terms set out
in Article 4 of this Agreement.
8.2 Commencement of Automatic Reinsurance Liability
The Reinsurer's liability for any Reinsured Policy accepted automatically
will begin simultaneously with the Company's contractual liability for that
policy.
8.3 Commencement of Facultative Reinsurance Liability
If a facultative application is submitted by the Company to the Reinsurer
only, then the Reinsurer's liability will begin simultaneously with the
Company's contractual liability for this facultative policy. The amount of
the Reinsurer's liability will be the lesser of the Reinsurer's offer, the
Conditional Receipt Amount set out in Exhibit A-2 or the Automatic
Acceptance Limits set out in Exhibit E. The Reinsurer's liability ceases if
the Reinsurer declines the risk and duly notifies the Company. The
Reinsurer's liability would also cease if the Company declines the
Reinsurer's offer.
If, however, a facultative application is submitted by the Company to any
other reinsurer, in addition to the Reinsurer, the liability of the
Reinsurer will commence when the Reinsurer has received written notice from
the Company, during the lifetime of the insured, that the Reinsurer's offer
has been accepted. The Company will have 120 days from the date of the
Reinsurer's final offer in which to place the policy with the
insured/owner, after which time the Reinsurer's offer will expire unless
the Reinsurer explicitly states in writing that the offer is extended for
some further period.
8.4 Conditional or Interim Receipt Liability
The extent of the Reinsurer's liability on a per life basis, for claims
accepted by the Reinsurer that have arisen under the conditional receipt or
interim receipt coverage, is set out in Exhibit A-2.
15
Article 9
9.1 Claims Notice
The Company will notify the Reinsurer as soon as reasonably possible after
the Company receives the claim. Copies of all claims papers will be sent
promptly by the Company to the Reinsurer. The settlement made by the
Company will be binding on the Reinsurer. However, for claims made during
the contestable period or in any case where the total amount of reinsurance
ceded to the Reinsurer is greater than the amount retained by the Company,
or if the Company retained less than, or none of, its usual retention on
the policy, then all papers in connection with the claim will be submitted
to the Reinsurer and the Company will wait for up to ten days from the date
of submission for the Reinsurer's recommendation before conceding liability
or making settlement to the claimant.
The Company will provide the Reinsurer with all further reports and papers
required by the Reinsurer for its consideration of the claim.
For Joint Life Last Survivor business, the Company will notify the
Reinsurer of the first death.
9.2 Claims Payment
The Reinsurer will be liable to the Company for the benefits reinsured and
the reinsurance will not exceed the Company's contractual liability under
the terms of its policies. The payment of death claims by the Reinsurer
will be in one lump sum regardless of the mode of settlement under the
original policy. The Reinsurer's share of interest, which is based on the
death proceeds paid by the Company, will be payable in addition to the
death claim settlement. The Reinsurer will pay to the Company premiums at
the rate applicable to the original policy on any policy approved for a
waiver of premium claim, provided always that the waiver of premium benefit
applicable to such benefits has been reinsured under this Agreement.
9.3 Contested Claims
The Company will notify the Reinsurer of its intention to contest,
compromise or litigate a claim involving a Reinsured Policy. The Company
will also provide the Reinsurer prompt notice of any legal proceedings
initiated against the Company in response to its denial of a claim on a
reinsured policy. Should any claim be settled on a reduced compromise
basis, or should a contested claim be settled for a reduced sum, the
Company and the Reinsurer will participate in such reductions in proportion
to their respective liabilities under the policy or policies reinsured.
The Reinsurer may pay its share of the death benefit if it does not deem it
advisable to
16
contest the claim.
9.4 Claims Expenses
The Reinsurer will pay its share of reasonable investigation and legal
expenses incurred in adjudicating or litigating the claim. The Reinsurer
will not be liable for any portion of any routine investigative or
administrative expenses incidental to the settlement of claims (such as
compensation of salaried employees) which are incurred by the Company; nor
for any expenses incurred in connection with a dispute or contest arising
out of conflicting claims of entitlement to policy proceeds or benefits
that the Company admits are payable.
In the event that the Reinsurer pays its share of the death benefit of a
policy for which the Company is contesting the claim, the Reinsurer will
not be liable for any subsequent expenses incurred by the Company.
9.5 Extra Contractual Obligations
Extra Contractual Obligations are obligations outside of the contractual
obligations and include but are not limited to punitive damages, bad faith
damages, compensatory damages, and other damages or statutory penalties
which may arise from the willful and/or negligent acts or omissions by the
Company.
In the case of a claim requiring the Reinsurer's review and approval, and
if the Company follows the Reinsurer's opinion, 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 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
opinion had on such damages.
Notwithstanding anything stated herein, this Agreement will not apply to
any Extra Contractual Obligations incurred by the Company as a result of
any fraudulent and/or criminal act by any employee or officer of the
Company or an agent representing the Company, acting individually,
collectively or in collusion in the presentation, defense, or settlement of
any claim.
9.6 Misstatement of Age or Sex
In the event of an increase or reduction in the amount payable under a
policy due to a misstatement in age or sex, the proportionate liabilities
under this Agreement will be the basis for determining each party's share
of any increase or reduction. The Reinsured Policy will be rewritten from
commencement on the basis of the adjusted amounts using premiums and
amounts at risk for the correct ages and sex, and the proper adjustment for
the difference in reinsurance premiums, without interest, will be made.
17
Article 10
10.1 Oversights
Any unintentional or accidental failure to comply with the terms of this
Agreement which can be shown to be the result of an oversight,
misunderstanding or clerical error, by either the Company or the Reinsurer,
will not be deemed to be a breach of this Agreement. Upon discovery, the
error will be corrected so that, to the extent reasonably practical, both
parties are restored to the position they would have occupied had the
oversight, misunderstanding or clerical error not occurred.
This provision will apply only to oversights, misunderstandings or clerical
errors relating to the administration of reinsurance covered by this
Agreement and not to the administration of the insurance provided by the
Company to its insured.
If the Company or the Reinsurer discovers that the Company did not cede
reinsurance on a policy it should have reinsured under this Agreement, the
Company may be required to audit its records, at the request of the
Reinsurer, to determine if reinsurance was unreported on any other
policies. The Company is expected to take the necessary actions to ensure
that similar oversights do not recur. If the Reinsurer receives no evidence
that the Company has taken action to remedy such a situation, the Reinsurer
reserves the right to limit its liability to correctly reported policies
only.
Any negligent or deliberate wrongful acts or omissions by the Company
regarding the insurance or reinsurance provided are not the responsibility
of the Reinsurer.
10.2 Arbitration
Any controversy or claim arising hereunder between the Company and the
Reinsurer relating to the policies covered under this Agreement, or the
breach thereof, shall be settled by arbitration in accordance with the CPR
Institute for Dispute Resolution Rules for Non-Administered Arbitration.
The place of meeting of the arbitrators will be decided by a majority vote
of the arbitrators. Except as may be required by law, neither party nor an
arbitrator may disclose the existence, content, status or results of any
arbitration hereunder without the prior written consent of both parties.
Unless the Arbitrators decide otherwise, each party will bear the expense
of its own arbitration, including its arbitrator and outside attorney fees
and will jointly and equally bear with the other party the expense of any
third arbitrators.
Judgment upon the award rendered by the arbitrator(s) may be entered in any
court having jurisdiction thereof.
It is specifically the intent of both parties that these arbitration
provisions will replace and be in lieu of any statutory arbitration
provision, if the law so permits.
18
Article 11
11.1 Insolvency
A party to this Agreement will be deemed "insolvent" when it:
11.1.1 Applies for or consents to the appointment of a receiver,
rehabilitator, conservator, liquidator or statutory successor
(hereinafter referred to as the Authorized Representative) of its
properties or assets; or
11.1.2 Is adjudicated as bankrupt or insolvent; or
11.1.3 Files or consents to the filing of a petition in bankruptcy, seeks
reorganization or an arrangement with creditors or takes advantage
of any bankruptcy, dissolution, liquidation, or similar law or
statute; or
11.1.4 Becomes the subject of an order to rehabilitate or an order to
liquidate as defined by the insurance code of the jurisdiction of
the party's domicile.
In the event of the insolvency of the Company, all reinsurance made, ceded,
renewed or otherwise becoming effective under this Agreement will be
payable by the Reinsurer directly to the Company or to its Authorized
Representative, on the basis of the liability of the Company under the
Reinsured Policies without diminution because of the insolvency of the
Company.
The Authorized Representative will give written notice to the Reinsurer of
all pending claims against the Company on any policies reinsured within a
reasonable time after such claims are filed in the insolvency proceedings.
While a claim is pending, the Reinsurer may investigate such claim and
interpose, at its own expense, in the proceedings where the claim is to be
adjudicated, any defense or defenses which it may deem available to the
Company or the Authorized Representative.
The expense thus incurred by the Reinsurer will be chargeable, subject to
court approval, against the Company as part of the expense of conservation
or liquidation to the extent of a proportionate share of the benefit which
may accrue to the Company solely as a result of the defense undertaken by
the Reinsurer. Where two or more reinsurers are involved in the same claim
and a majority in interest elect to interpose a defense to such claim, the
expense will be apportioned in accordance with the terms of the Agreement
as though such expense had been incurred by the Company.
In the event of insolvency of the Company, the Right of Offset afforded
under Article 5 will remain in full force and effect to the extent
permitted by applicable law.
In the event of the insolvency of the Reinsurer, the Company may cancel
this Agreement for new business by promptly providing the Reinsurer, its
receiver, rehabilitator, conservator, liquidator or statutory successor
with written notice of the cancellation effective the date on which the
Reinsurer's insolvency is established by the authority
19
responsible for such determination. Any requirement for a notification
period prior to the cancellation of the Agreement would not apply under
such circumstances.
In addition, the Company may provide the Reinsurer, its receiver,
rehabilitator, conservator, liquidator or statutory successor with written
notice of its intent to recapture all reinsurance in force under this
Agreement regardless of the duration the reinsurance has been in force or
the amount retained by the Company on the policies reinsured hereunder. The
effective date of a recapture due to insolvency would be at the election of
the Company and would not be earlier than the date on which the Reinsurer's
insolvency is established by the authority responsible for such
determination. Any Recapture Fee applicable will be mutually agreed upon by
the Company and the Reinsurer, its rehabilitator, conservator, liquidator
or statutory successor.
20
Article 12
12.1 DAC Tax
The Company and the Reinsurer agree to the DAC Tax Election pursuant to
Section 1.848-2(g)(8) of the Income Tax Regulation under Section 848 of the
Internal Revenue code of 1986, as amended, whereby:
12.1.1 The party with the net positive consideration for this Agreement for
each taxable year will capitalize specified policy acquisition
expenses with respect to this Agreement without regard to the
general deductions limitation of Section 848(c)(1); and
12.1.2 Both parties agree to exchange information pertaining to the amount
of net consideration under this Agreement each year to ensure
consistency.
The term "net consideration" will refer to the net consideration as defined
in Regulation Section 1.848-2(f).
The method and timing of the exchange of this information is set out in
Exhibit G.
This DAC Tax Election will be effective for all years for which this
Agreement remains in effect.
The Company and the Reinsurer represent and warrant that they are subject
to U.S. taxation under either the provisions of subchapter L of Chapter 1
or the provisions of subpart F of subchapter N of Chapter 1 of the Internal
Revenue Code of 1986, as amended.
12.2 Taxes and Expenses
Apart from any taxes, allowances, refunds, and expenses specifically
referred to elsewhere in this Agreement, no taxes, allowances, or
proportion of any expense will be paid by the Reinsurer to the Company in
respect of any Reinsured Policy.
21
Article 13
13.1 Entire Agreement
This Agreement will constitute the entire agreement between the parties
with respect to the business being reinsured hereunder. There are no
understandings between the Company and the Reinsurer other than as
expressed in this Agreement.
Any alteration to this Agreement will be null and void unless made by
written amendment, attached to the Agreement and signed by both parties.
13.2 Parties to Agreement
This is an Agreement solely between the Company and the Reinsurer. The
acceptance of reinsurance hereunder will not create any right or legal
relation between the Reinsurer and the insured, beneficiary, or any other
party to any policy of the Company which may be reinsured hereunder.
This Agreement will be binding upon the parties hereto and their respective
successors and assigns.
13.3 Inspection of Records
The Reinsurer, or its duly appointed representatives, will have access to
the records of the Company concerning the business reinsured hereunder for
the purpose of inspecting, auditing and photocopying those records. Such
access will be provided at the office of the Company and will be during
reasonable business hours, upon reasonable prior notice given by the
Reinsurer.
Provided there is business in force under this Agreement, the Reinsurer's
right of access as specified above will survive the term of the Agreement.
13.4 Good Faith
All matters with respect to this Agreement require the utmost good faith of
both parties.
Each party represents and warrants to the other party that it is solvent on
a statutory basis in all states in which it does business or is licensed.
Each party will promptly notify the other if it is subsequently financially
impaired.
The Reinsurer has entered into this Agreement in reliance upon the
Company's representations and warranties. The Company affirms that it has
and will continue to disclose all matters material to this Agreement.
Examples of such matters are a change in underwriting or issue practices or
philosophy, a change in underwriting or claims
22
management personnel, or a change in the Company's ownership or control.
The Company affirms that the underwriting, administration and claims
practices it employs are consistent with the customary and usual practices
of the insurance industry as a whole. Should the Company engage in
exceptional or uncustomary practices, it will inform the Reinsurer of such
action and obtain its written consent before assigning any liability to the
Reinsurer with respect to any policies covered under this Agreement.
13.5 Confidentiality
Both the Company and the Reinsurer will hold confidential and not disclose
or make competitive use of any shared proprietary information unless
otherwise agreed to in writing, or unless the information otherwise becomes
publicly available or the disclosure of which is required for retrocession
purposes or has been mandated by law or is duly required by external
auditors.
[LOGO] GE
GE Financial Assurance
--------------------------------------------------------------------------------
I, Xxxxxxx Xxxxxx, Vice President of GE Life and Annuity Assurance Company (a GE
Financial Assurance Company and an affiliate of GE Capital Life Assurance
Company of New York), hereby affirm that the listings and summaries of policies
and contracts in force as of December 31, 2003, and other liabilities prepared
for and submitted to C. Xxxxx Xxxxx, generated from the Vantage and Transcend
administrative systems at the Lynchburg and Richmond sites for fixed deferred
annuity, variable annuity and variable life business, were prepared under my
direction and, to the best of my knowledge and belief, are substantially
accurate and complete.
-----------------------
Signature
-----------------------
Date of Signature
0000 Xxxx Xxxxx Xxxxxx
Xxxxxxxx Xxxxxxxx 00000
(000) 000-0000
Affiliated Companies: GE Life and Annuity Assurance Company, General
Electric Capital Assurance Company, GE Capital Life Assurance Company
of New York, First Colony Life Insurance Company, Union Fidelity Life
Insurance Company
[LOGO] GE
GE Financial Assurance
--------------------------------------------------------------------------------
I, Xxxxxxx Xxxxxx, Senior Vice President of GE Capital Assurance Company (a GE
Financial Assurance Company and an affiliate of GE Capital Life Assurance
Company of New York), hereby affirm that the listings and summaries of policies
and contracts in force as of December 31, 2003, and other liabilities prepared
for and submitted to Xxxxx X. Xxxxxxxxxx, generated from the CLOAS
administrative systems at the San Xxxxxx site for LTC Insurance business, were
prepared under my direction and, to the best of my knowledge and belief, are
substantially accurate and complete.
-----------------------
Signature
-----------------------
Date of Signature
0000 Xxxx Xxxxx Xxxxxx
Xxxxxxxx Xxxxxxxx 00000
(000) 000-0000
Affiliated Companies: GE Life and Annuity Assurance Company, General
Electric Capital Assurance Company, GE Capital Life Assurance Company
of New York, First Colony Life Insurance Company, Union Fidelity Life
Insurance Company
23
Article 14
14.1 Duration of Agreement
This Agreement is unlimited as to its duration. The Reinsurer or the
Company may terminate this Agreement for new business by
14.1.1 Giving at least 90 days written notice to that effect to the other
party; or
14.1.2 As provided elsewhere in this Agreement.
During the 90 day notification period, the Reinsurer will continue to
accept policies covered under the terms of this Agreement.
Further, the Reinsurer remains liable for all Reinsured Policies in force
at the date of the termination, set forth in the notice, until their
natural expiration, unless the parties mutually decide otherwise or as
specified otherwise in this Agreement.
14.2 Severability
If any provision of this Agreement is determined to be invalid or
unenforceable, such determination will not affect or impair the validity or
the enforceability of the remaining provisions of this Agreement.
14.3 Construction
The rights and obligations under this Agreement will be construed and
administered in accordance with the laws of the Company's state of domicile
stated in Exhibit A-1.
24
Made in duplicate and executed by both parties.
Signed for and on behalf of GE Life and Annuity Assurance Company
By: /s/ Illegible By: /s/ Illegible
----------------------------------- ----------------------------------
Title: Sr VP Title: VP ___ ___
Date: 12/04/01 Place: Richmond VA
Signed for and on behalf of Swiss Re Life & Health America Inc.
By: /s/ Illegible By: /s/ Illegible
----------------------------------- ----------------------------------
Title: Vice President Title: Vice President
Date: September 26, 2001 Place: Stanford, CT.
Exhibit A-1
Business Covered
Agreement Effective Date:
November 1, 2000. The commencement dates for specific plans are shown below.
Coverage:
The policies on the plans shown below which have policy issue dates falling in
the period that begins with the Commencement Date and ends with the Termination
Date are covered subject to any limitations shown below or elsewhere in this
Agreement.
These policies are on lives resident in the United States.
Currency: US$
Company's State of Domicile: Virginia
Limitations:
1. For policies on lives with surnames commencing with the letters A to Z
inclusive, which qualify for automatic coverage, 25 percent of the excess
over the Company's retention specified in Exhibit D, up to the Reinsurer's
Automatic Acceptance Limits specified in Exhibit E, will be reinsured with
the Reinsurer.
Plans, Riders and Benefits:
Plan Exhibit Reference Limitations Commencement Termination
Identification for Rates Item Number Date Date
------------------- ----------------- ----------- ---------------- -----------
Single Premium C-1 1 November 1, 2000
Variable Life
Single Premium C-1 1 November 1, 2000
Variable Joint Life
Riders:
Guaranteed Death C-1 1 November 1, 2000
Benefit Rider
Exhibit A-1
Page 2
Facultative Submissions:
The Company may submit, on a facultative basis, to the Reinsurer any application
for a policy on a plan or rider listed above which qualifies for automatic
reinsurance.
The Company will submit on a facultative basis to the Reinsurer any application
for a policy on a plan or rider listed above which meets any of the criteria
listed in Article 2 under Facultative Coverage.
Exhibit A-2
Required Forms, Manuals and Issue Rules
The following items have been provided to the Reinsurer by the Company for the
business covered under this Agreement:
1. Policy Application Form
2. Underwriting Manual and Agent's Guide
3. Policy Delivery Rules and Reinstatement Rules
4. Non-medical and Medical Requirements
5. Financial and Non-smoking Questionnaires
6. Preferred Underwriting Guidelines
7. Premium Rates
8. Retention Schedule
Conditional Receipt Amount
The amount of coverage provided by the Reinsurer under a Conditional Receipt (or
Interim Receipt) will not exceed the lesser of:
1. The Reinsurer's share of $500,000; or
2. The Automatic Acceptance Limits; or
3. The Reinsurer's share of the difference between the amount of insurance
provided by the Conditional Receipt (or Interim Receipt) and the Company's
maximum retention assuming the life had been underwritten as standard. The
Company's retention will include any amounts retained under any in force
policies on the life.
Swiss Re Life & Health
Exhibit B
Reinsurance Application
From: Company Name
Company Name
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Last First Middle Date of Birth Age Sex
Applicant's Name
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Plan Preferred Smoker Nonsmoker Reunderwriting
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Curr Residence For Premium Tax Policy Number Policy Date Preliminary Term From
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Type of Application
Facultative Automatic Placement Date Self Administered (Bulk) Terms YRT Coinsurance
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Decrement Cash Values Reserves Age Basis Retention Code Full Reduced Nil
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Reinsurance Amounts Basic Coverage Additional Coverage Waiver Premium Accidental Death Other Benefits
Benefit Benefit
Previous Insurance In Force
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Of Which We Retained -
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Insurance Now Applied For -
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Of Which We Retain -
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Reinsurance This Cession -
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Extra Premium
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Rating If Substandard -
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Coinsurance Premium -
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*For YRT cases state Gross Premiums Amount of Premium Annual Decrement for
and Expiry Ages for benefits WP AD Other to be Wavied Amount at Risk
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Additional Information or Remarks
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Date By
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Exhibit C
General Terms
1. Reinsurance Basis: YRT
2. Reinsurance Rates: The rates set out in the sub-section(s) of Exhibit C
will apply to Reinsured Policies on both an automatic and a facultative
basis.
3. Rate Limit: The rates set out in the sub-section(s) of Exhibit C will apply
to all reinsurances, provided the total of the new reinsurance amount and
the amount already reinsured on the life under this Agreement, and all
other Agreements with the Reinsurer, does not exceed the amount shown in
the table below. Individual consideration will be given to the rates for
any amounts over the limit shown in the table below:
Issue Age Std.(100%) - 500%
--------- -----------------
0 - 90 $10,000,000
4. Age Basis: Last.
5. Premium Tax: There will be no separate reimbursement of premium tax.
6. Dividend Payments: The Reinsurer will not be liable for any dividend
payments.
7. YRT Rate Guarantee: The reinsurance rates set out in the sub-section(s) of
Exhibit C are guaranteed to the extent that in the 2nd year and later the
Reinsurer reserves the right to increase the premiums for reinsurance but
not above the statutory net premium.
8. YRT Deficiency Reserves: If deficiency reserves are required to be held by
the Company on any Reinsured Policy, the entire amount of any such reserve
will be established and held by the Company.
9. Minimum Initial Automatic Reinsurance Limit: $5,000
Minimum Final Reinsurance Limit: $5,000
Exhibit C
Page 2
10. Net Amounts At Risk: For UL Life type plans, if the death benefit is Option
A, the amount at risk will be the difference between the initial amount of
reinsurance and the cash values applicable to the face amount of the
policy.
11. Recapture:
Due to Increase in Company's Retention
Inforce Period: 10 years
Due to Insolvency of Reinsurer
Inforce Period: Not applicable
12. Interest Rate For Overdue Premiums: The interest rate payable by the
Company to the Reinsurer for overdue premiums will be the 90 Day Federal
Government Treasury Bill rate as first published in the Wall Street Journal
in the month following the end of the billing period plus 50 basis points.
The method of calculation will be simple interest "Bankers' Rule" (or 360
day year).
13. Rates Applicable To Increases: First year reinsurance premium rates and
allowances will apply to the amount normally underwritten of a
non-contractual increase.
14. YRT Rates For Conversions To Non-Reinsured Plans The current applicable YRT
rates.
15. Reductions: Reinsured Policies will be reduced on a full reduction basis.
Exhibit C-1
Reinsurance Rates and Allowances
1. Premiums: The Company will pay to the Reinsurer a basic premium calculated
by multiplying its net amount at risk by the rates set out in Exhibit C-1,
attached, multiplied by the Premium Factors below. Premiums will be payable
on a policy year basis, whatever the mode of payment of the premiums under
the original insurance, and the Company will continue to pay the
appropriate premium to the Reinsurer as long as the Reinsured Policy is in
force.
Any extra premiums payable on account of additional mortality risk wiil be
payable to the Reinsurer.
For waiver of premium and disability rider benefits, premiums will be
calculated on the amount reinsured using the same rate as is applicable to
the original policy.
2. Premium Factors:
On Basic Plan(s)
The following percentages, expressed as a percentage of the Company's
spvlrate.xls Coi Charges, are used to calculate the reinsurance premiums:
Individual Joint Life*
---------- -----------
All Durations 103% 113%
* Joint rates subject to a minimum reinsurance premium of $.15/$1,000.
On Flat Extra Premiums
When a flat extra premium is payable for 5 years or less, an allowance of
10% of the gross flat extra charged by the Company will be made each year.
When a flat extra premium is payable for more than 5 years, an allowance of
100% of the gross flat extra charged by the Company will be made in the
first year and an allowance of 10% in each year thereafter.
On Multiple Extra Premiums
The same allowances as those payable on the basic policy.
EXHIBIT C-1
Page 2
On Benefits
For Waiver of Premium and Disability premiums an allowance of 100% of the
gross premium charged by the Company in the first year will be paid and an
allowance of 10% in each year thereafter.
EXHIBIT C-1
(Mortality for males Ages *20 years)
AGE X X+1 X+2 X+3 X+4 X+5 X+6 X+7 X+8 X+9 X+10
--- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000612 0.000482 0.000304 0.000264 0.000231 0.000205 0.000191 0.000165 0.000152 0.000152 0.000139
1 0.000323 0.000304 0.000264 0.000224 0.000172 0.000139 0.000125 0.000125 0.000132 0.000132 0.000145
2 0.000231 0.000238 0.000211 0.000172 0.000139 0.000132 0.000125 0.000139 0.000132 0.000152 0.000165
3 0.000231 0.000185 0.000158 0.000145 0.000132 0.000119 0.000125 0.000139 0.000152 0.000165 0.000205
4 0.000191 0.000165 0.000145 0.000139 0.000119 0.000132 0.000139 0.000152 0.000172 0.000198 0.000284
5 0.000165 0.000152 0.000139 0.000125 0.000132 0.000145 0.000158 0.000172 0.000205 0.000277 0.000356
6 0.000152 0.000145 0.000125 0.000139 0.000145 0.000158 0.000178 0.000205 0.000284 0.000363 0.000515
7 0.000125 0.000132 0.000139 0.000152 0.000165 0.000178 0.000205 0.000284 0.00037 0.000482 0.000574
8 0.000119 0.000139 0.000132 0.000165 0.000178 0.000211 0.00029 0.000376 0.000488 0.000581 0.000614
9 0.000125 0.000132 0.000152 0.000178 0.000211 0.000297 0.000383 0.000502 0.000587 0.00062 0.000647
10 0.000119 0.000145 0.000172 0.000218 0.000304 0.000396 0.000506 0.000601 0.000634 0.000653 0.000673
11 0.000132 0.000165 0.000218 0.00031 0.000403 0.000521 0.000614 0.000647 0.000667 0.00068 0.000706
12 0.000152 0.000205 0.000317 0.000409 0.000528 0.000627 0.00066 0.00068 0.000693 0.000713 0.000733
13 0.000198 0.000297 0.000403 0.000541 0.00064 0.000667 0.000693 0.0007 0.000693 0.000706 0.000713
14 0.00029 0.000383 0.000554 0.000653 0.00068 0.0007 0.000713 0.000706 0.000693 0.00068 0.000666
15 0.000383 0.000561 0.000667 0.000693 0.000713 0.000719 0.000719 0.0007 0.000673 0.00066 0.000647
16 0.000574 0.00068 0.000713 0.000726 0.000739 0.000713 0.000706 0.00068 0.000653 0.000627 0.000607
17 0.000693 0.000726 0.000739 0.000752 0.000733 0.000706 0.000693 0.00066 0.00062 0.000587 0.000574
18 0.00068 0.000713 0.000719 0.000713 0.000693 0.00066 0.000647 0000614 0.000581 0.000554 0.000546
19 0.00066 0.00068 0.000673 0.000667 0.00064 0.00062 0.000594 0.000561 0.000541 0.000521 0.000528
AGE X+11 X+12 X+13 X+14 X+15 X+16 X+17 X+18 X+19 X+20 X+21
--- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000152 0.000165 0.000198 0.000284 0.00035 0.000515 0.000581 0.000614 0.000653 0.000673 0.00068
1 0.000165 0.000205 0.000284 0.000356 0.000521 0.000587 0.00062 0.00066 0.00068 0.000693 0.000686
2 0.000198 0.00029 0.000356 0.000528 0.000587 0.000627 0.000667 0.000686 0.0007 0.000693 0.00068
3 0.000284 0.000363 0.000535 0.000594 0.000634 0.000673 0.000693 0.000706 0.0007 0.000693 0.000673
4 0.000356 0.000528 0.000587 0.00064 0.00068 0.0007 0.000713 0.000706 0.0007 0.00068 0.000653
5 0.000515 0.000581 0.000614 0.000686 0.000713 0.000719 0.000713 0.000706 0.000686 0.00066 0.000627
6 0.000574 0.000607 0.00064 0.000719 0.000726 0.000726 0.000713 0.000693 0.000667 0.000634 0.000607
7 0.000607 0.000634 0.000653 0.000733 0.000733 0.000719 0.0007 0.000673 0.00064 0.000614 0.000587
8 0.00064 0.00066 0.000686 0.000726 0000713 0.0007 0.000673 0.00064 0.000614 0.000587 0.000568
9 0.000667 0.000693 0.000713 0.000713 0.0007 0.000673 0.00064 0.000614 0.000587 0.000568 0.000548
10 0.0007 0.000719 0.000719 0.000693 0.000667 0.00064 0.000607 0.000587 0.000568 0.000548 0.000528
11 0.000726 0.000726 0.000686 0.000687 0.000634 0.000607 0.000587 0.000568 0.000548 0.000528 0.000515
12 0.000733 0.000693 0.00066 0.000627 0.000601 0.000581 0.000561 0.000541 0.000528 0.000515 0.000508
13 0.0007 0.000667 0.000634 0.000607 0.000587 0.000568 0.000548 0.000528 0.000515 0.000515 0.000515
14 0.000673 0.000634 0.000614 0.000594 0.000574 0.000554 0.000535 0.000521 0.000515 0.000521 0.000528
15 0.000634 0.000601 0.000594 0.000581 0.000554 0.000541 0.000528 0.000521 0.000521 0.000528 0.000541
16 0.000607 0.000581 0.000574 0.000568 0.000548 0.000535 0.000528 0.000528 0.000535 0.000548 0.000568
17 0.000574 0.000561 0.000554 0.000554 0.000541 0.000535 0.000535 0.000541 0.000554 0.000566 0.000594
18 0.000548 0.000535 0.000535 0.000541 0.000541 0.000541 0.000541 0.000554 0.000574 0.000601 0.000627
19 0.000515 0.000515 0.000515 0.000535 0.000541 0.000541 0.000554 0.000574 0.000601 0.000627 0.000667
AGE X+22 X+23 X+24 Ultimate
--- -------- -------- -------- --------
0 0.00068 0.000667 0.000653 0.000627
1 0.000673 0.00066 0.000634 0.000607
2 0.000667 0.00064 0.000614 0.000581
3 0.000647 0.000614 0.000587 0.000561
4 0.00062 0.000594 0.000568 0.000548
5 0.000601 0.000574 0.000554 0.000528
6 0.000581 0.000561 0.000535 0.000515
7 0.000568 0.000541 0.000521 0.000502
8 0000541 0.000521 0.000508 0.000502
9 0.000528 0.000515 0.000508 0.000508
10 0.000515 0.000508 0.000508 0.000515
11 0.000515 0.000515 0.000515 0.000535
12 0.000515 0.000521 0.000535 0.000554
13 0.000521 0.000535 0.000554 0.000581
14 0.000541 0.000554 0.000581 0.000614
15 0.000561 0.000587 0.000614 0.000653
16 0.000587 0.00062 0.000653 0.0007
17 0.000627 0.00066 0.000706 0.000759
18 0.000667 0.000713 0.0007__ 0.000832
19 0.000713 0.000772 0.000838 0.000917
0.001016
0.001122
0.001247
0.001373
0.001505
0.00167
0.001841
0.002039
0.002251
0.002475
0.002726
0.003003
0.003307
0.00365
0.004033
0.004455
0.004937
0.005458
0.006026
0.00664
0.007306
0.008045
0.008864
0.009761
0.010751
0.011834
0.013002
0.014243
0.015596
0.017066
0.018704
0.020506
0.022499
0.024684
0.027053
0.029621
0.032373
0.035277
0.038366
0.041756
0.045467
0.049493
0.053836
0.058489
0.063393
0.068449
0.073663
0.079035
0.084559
0.090248
0.096089
0.102089
0.108253
0.114563
0.121037
0.12767
* Less than
(Mortality for males Ages 20-85 years)
AGE X X+1 X+2 X+3 X+4 X+5 X+6 X+7 X+8 X+9 X+10
--- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
20 0.00052 0.00054 0.000538 0.000536 0.000534 0.000521 0.000508 0.00049 0.000488 0.000492 0.000501
21 0.000469 0.000484 0.000483 0.000481 0.000479 0.000471 0.000465 0.000452 0.000461 0.000464 0.000484
22 0.000408 0.000423 0.000421 0.00042 0.000424 0.000422 0.000421 0.000419 0.000434 0.000449 0.000473
23 0.000408 0.000423 0.000416 0.000415 0.000413 0.000417 0.000421 0.000419 0.000434 0.000454 0.000484
24 0.000408 0.000412 0.000405 0.000403 0.000407 0.000417 0.000421 0.000424 0.000444 0.00047 0.000501
25 0.000402 0.0004 0.000399 0.000398 0.000407 0.000417 0.000421 0.00043 0.000455 0.000486 0.000516
26 0.000389 0.000388 0.000393 0.000396 0.000401 0.000415 0.000425 0.000445 0.000476 0.000512 0.000548
27 0.000377 0.000376 0.000386 0.00039 0.0004 0.00042 0.000441 0.000466 0.000496 0.000544 0.000579
28 0.000365 0.000375 0.00039 0.0004 0.000415 0.000441 0.000466 0.000497 0.000538 0.00058 0.000626
29 0.000358 0.000373 0.0004 0.000415 0.000441 0.000466 0.000497 0.000539 0.00058 0.000627 0.000663
30 0.000351 0.000372 0.000415 0.000441 0.000467 0.000498 0.000539 0.000581 0.000628 0.000684 0.000757
31 0.000345 0.000377 0.000431 0.000467 0.000498 0.00054 0.000582 0.000629 0.000885 0.000758 0.000841
32 0.000344 0.000388 0.000457 0.000499 0.000541 0.000582 0.000629 0.000886 0.000748 0.000842 0.000962
33 0.000343 0.000392 0.000478 0.00053 0.000583 0.00063 0.000687 0.000749 0.000843 0.000947 0.001066
34 0.000342 0.000397 0.000504 0.0005__ 0.000631 0.000687 0.00075 0.000844 0.000948 0.001067 0.001185
35 0.00034 0.000409 0.000532 0.000611 0.000684 0.000746 0.00084 0.000944 0.001064 0.001182 0.001333
36 0.000351 0.000425 0.000568 0.000669 0.000747 0.000641 0.000945 0.001065 0.001184 0.001334 0.001473
37 0.000359 0.000449 0.000614 0.000729 0.000839 0.000943 0.001063 0.001181 0.001332 0.00147 0.001613
38 0.000373 0.000474 0.000654 0.00078 0.000899 0.001009 0.001138 0.001267 0.001427 0.001591 0.00175
39 0.000393 0.000504 0.000704 0.00084 0.000965 0.001089 0.001224 0.001362 0.001533 0.001707 0.001896
40 0.000419 0.000539 0.000765 0.000911 0.001051 0.00117 0.001314 0.001458 0.001632 0.001827 0.002046
41 0.00045 0.000587 0.000839 0.001 0.001141 0.001269 0.001413 0.001557 0.001737 0.001952 0.002202
42 0.000487 0.000645 0.000929 0.001101 0.001246 0.001374 0.001513 0.001662 0.001836 0.002077 0.002375
43 0.000525 0.000725 0.001013 0.001211 0.001373 0.001511 0.001665 0.001814 0.001998 0.002255 0.002577
44 0.000572 0.00081 0.001114 0.001328 0.001504 0.001664 0.001818 0.001982 0.002176 0.002447 0.002791
45 0.000621 0.00091 0.00122 0.00145 0.001647 0.001822 0.001986 0.002165 0.002379 0.002645 0.003014
46 0.00068 0.001029 0.001328 0.001584 0.001791 0.001987 0.002172 0.002387 0.002565 0.002856 0.003266
47 0.00074 0.001153 0.001447 0.001719 0.001947 0.002174 0.002395 0.002563 0.002777 0.003094 0.003534
48 0.000795 0.001208 0.001508 0.001801 0.002061 0.002309 0.002561 0.00277 0.003035 0.003389 0.003922
49 0.000855 0.001253 0.001569 0.001878 0.002165 0.002439 0.002727 0.002993 0.003316 0.00372 0.004357
50 0.000911 0.001293 0.00162 0.001945 0.002274 0.002574 0.002905 0.003234 0.003634 0.004095 0.00485
51 0.000965 0.001327 0.001664 0.002006 0.002372 0.002709 0.003092 0.003499 0.003983 0.004505 0.005401
52 0.001021 0.00135 0.001694 0.002051 0.00247 0.002849 0.00329 0.003791 0.004368 0.004963 0.006009
53 0.001108 0.001476 0.001851 0.002256 0.002701 0.003128 0.003615 0.004158 0.004787 0.005464 0.006597
54 0.001202 0.001606 0.002024 0.002477 0.002965 0.003434 0.003978 0.004567 0.005237 0.005996 0.007238
55 0.001301 0.001759 0.002209 0.002726 0.003256 0.003777 0.004379 0.005014 0.005714 0.006577 0.007931
56 0.001412 0.001919 0.002424 0.003005 0.003583 0.004167 0.004821 0.005486 0.006232 0.007209 0.008697
57 0.001529 0.002103 0.00266 0.003317 0.003947 0.004584 0.00529 0.005997 0.006788 0.0079 0.009537
58 0.001609 0.002238 0.002936 0.003625 0.00434 0.004912 0.005834 0.006387 0.007213 0.008386 0.010074
59 0.001689 0.002373 0.003245 0.003955 0.004762 0.005252 0.005983 0.006788 0.007651 0.00889 0.010624
60 0.001765 0.00252 0.003584 0.004304 0.005223 0.005603 0.006345 0.007212 0.008109 0.009411 0.011174
61 0.001843 0.002664 0.003939 0.004669 0.005629 0.006213 0.006716 0.007646 0.008568 0.009926 0.011692
62 0.001916 0.002802 0.004328 0.005062 0.006242 0.006346 0.0071 0.008092 0.009033 0.010431 0.012179
63 0.002132 0.003149 0.004749 0.005671 0.006376 0.007133 0.00813 0.009075 0.010659 0.011833 6.013555
64 0.002369 0.003534 0.005205 0.006353 0.007168 0.008169 0.009119 0.010709 0.011888 0.013818 0.015084
65 0.002634 0.003968 0.005715 0.007117 0.008209 0.009163 0.010761 0.011945 0.013682 0.015155 0.017319
66 0.00292 0.004449 0.006285 0.007962 0.009202 0.010807 0.011997 0.013741 0.01522 0.017394 0.016244
67 0.003244 0.004985 0.006869 0.008899 0.010853 0.012048 0.0138 0.015286 0.01747 0.018208 0.020205
68 0.003574 0.005487 0.00756 0.009777 0.011894 0.013187 0.015106 0.016751 0.018287 0.019977 0.022162
69 0.003936 0.00604 0.0083 0.010709 0.013017 0.01444 0.016556 0.018366 0.020063 0.021916 0.024297
70 0.004331 0.006635 0.0091 0.011728 0.014253 0.01582 0.01815 0.02015 0.022011 0.024023 0.026596
71 0.004757 0.00727 0.009962 0.012839 0.015617 0.017346 0.019915 0.022104 0.024126 0.026299 0.029065
72 0.005213 0.007959 0.010906 0.014068 0.017123 0.019032 0.021846 0.024229 0.026413 0.028742 0.031677
73 0.005706 0.008713 0.01195 0.015424 0.018788 0.020878 0.023946 0.026525 0.028866 0.031325 0.034447
74 0.006247 0.009547 0.013102 0.016924 0.02061 0.022884 0.026215 0.028969 0.03146 0.034063 0.037496
75 0.006845 0.010467 0.014376 0.018565 0.022591 0.025053 0.02865 0.031593 0.03421 0.037079 0.040828
76 0.007504 0.011485 0.015769 0.020349 0.024731 0.02738 0.031224 0.034356 0.037239 0.040374 0.044443
77 0.008234 0.012599 0.017286 0.022278 0.027028 0.02984 0.033954 0.037397 0.040548 0.043949 0.048341
78 0.009033 0.01381 0.018923 0.024347 0.029457 0.032449 0.03696 0.04072 0.044137 0.047802 0.052521
79 0.009901 0.015119 0.020681 0.026535 0.032033 0.035321 0.040244 0.044325 0.048009 0.051936 0.05692
80 0.010839 0.016523 0.02254 0.028855 0.034__9 0.036461 0.043806 0.048212 0.05216 0.056286 0.06146
81 0.011846 0.018007 0.02451 0.03141 0.037967 0.041866 0.04765 0.052381 0.056528 0.080776 0.086142
82 0.01291 0.019582 0.02__8 0.0342 0.041328 0.045537 0.05177 0.058768 0.061038 0.065405 0.070964
83 0.01404 0.021316 0.029051 0.037228 0.044952 0.049475 0.056106 0.061296 0.065687 0.070175 0.075929
84 0.015282 0.023209 0.031623 0.040493 0.048839 0.053619 0.060581 0.065966 0.070476 0.075O84 0.081034
85 0.01__4 0.025264 0.034396 0.043995 0.05293 0.057895 0.065196 0.070776 0.075407 0.080132 0.086282
86 0.018113 0.027477 0.037375 0.04768 0.057144 0.062314 0.06995 0.075716 0.080488 0.085321 0.091657
87 0.019702 0.029852 0.040505 0.051483 0.061497 0.066858 0.074843 0.080808 0.0857 0.090849 0.097168
88 0.021405 0.032353 0.043736 0.055404 0.065981 0.071535 0.079876 0.08604 0.091052 0.096117 0.102856
89 0.023198 0.034933 0.047068 0.059444 0.070597 0.076345 0.085048 0.091414 0.098545 0.101725 0.106866
90 0.025048 0.037594 0.0505 0.063603 0.075344 0.081288 0.090359 0.096928 0.102178 0.107473 0.114621
AGE X+11 X+12 X+13 X+14 X+15 X+16 X+17 X+18 X+19 X+20 X+21
--- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
20 0.000504 0.000513 0.000538 0.000572 0.000618 0.000641 0.00067 0.00071 0.000754 0.000809 0.00088
21 0.000493 0.000513 0.000542 0.000589 0.000644 0.000673 0.000712 0.000757 0.000811 0.000882 0.000968
22 0.000488 0.000513 0.000553 0.00061 0.000676 0.000715 0.00076 0.000814 0.000883 0.00097 0.001072
23 0.000504 0.000534 0.000585 0.000642 0.000718 0.000763 0.000817 0.000887 0.000972 0.001074 0.001196
24 0.00052 0.000561 0.000623 0.000684 0.000766 0.00082 0.00089 0.000976 0.001076 0.001199 0.001335
25 0.000552 0.000598 0.000665 0.000731 0.000823 0.000894 0.00098 0.00108 0.001201 0.001338 0.001496
26 0.000584 0.00064 0.000717 0.000789 0.000896 0.000983 0.001084 0.001205 0.00134 0.001499 0.001677
27 0.000625 0.000692 0.00078 0.000862 0.000985 0.001087 0.001209 0.001345 0.001501 0.001679 0.001868
28 0.000682 0.000755 0.000853 0.000956 0.00109 0.001212 0.001348 0.001506 0.001682 0.001871 0.002079
29 0.000756 0.000838 0.000956 0.001071 0.001214 0.001352 0.00151 0.001686 0.001874 0.002082 0.002302
30 0.00084 0.000959 0.001073 0.00119 0.001355 0.001513 0.001691 0.001879 0.002085 0.002305 0.002543
31 0.000961 0.001075 0.001193 0.001332 0.001517 0.001695 0.001883 0.00209 0.002307 0.002547 0.002812
32 0.001076 0.001194 0.001333 0.001487 0.001697 0.001885 0.002093 0.00231 0.00255 0.002815 0.0031
33 0.00119 0.001334 0.001488 0.001662 0.001887 0.002094 0.002312 0.002552 0.002818 0.003104 0.003415
34 0.001335 0.001479 0.001657 0.001851 0.002096 0.002314 0.002554 0.00282 0.003107 0.003419 0.003755
35 0.001471 0.001641 0.00184 0.002054 0.002315 0.002556 0.002823 0.003109 0.003422 0.003759 0.004136
36 0.001645 0.001822 0.002042 0.002271 0.002557 0.002823 0.00311 0.003422 0.003759 0.004137 0.004549
37 0.001793 0.002013 0.002248 0.002503 0.002818 0.003105 0.003417 0.003754 0.004131 0.004543 0.005006
38 0.00196 0.002211 0.002481 0.002761 0.003101 0.003413 0.003749 0.004126 0.004537 0.005006 0.005531
39 0.002131 0.002423 0.002734 0.003038 0.003409 0.003745 0.004121 0.004537 0.005006 0.005531 0.006117
40 0.002318 0.002655 0.003006 0.00334 0.00374 0.004121 0.004537 0.005006 0.005531 0.006117 0.006776
41 0.00252 0.002908 0.003311 0.00367 0.004121 0.004537 0.005006 0.005531 0.006117 0.006776 0.007496
42 0.002738 0.003183 0.003642 0.004047 0.004537 0.005006 0.005531 0.006117 0.007496 0.007496 0.008268
43 0.002961 0.003432 0.003931 0.004381 0.005006 0.005531 0.006117 0.006776 0.007496 0.008268 0.009111
44 0.003195 0.003706 0.004235 0.004753 0.005531 0.006117 0.006776 0.007496 0.008268 0.009111 0.010032
45 0.003454 0.004002 0.004572 0.005165 0.006117 0.006776 0.007496 0.008268 0.009111 0.010032 0.011046
46 0.003732 0.004324 0.00494 0.005615 0.006776 0.007496 0.008268 0.009111 0.010032 0.011046 0.012167
47 0.00404 0.004676 0.005344 0.006111 0.007496 0.008268 0.009111 0.010032 0.011046 0.012167 0.013402
48 0.004489 0.005151 0.005842 0.006596 0.008268 0.009111 0.010032 0.011046 0.012167 0.013402 0.01476
49 0.00499 0.005682 0.006371 0.007092 0.009111 0.010032 0.011046 0.012167 0.013402 0.01476 0.016241
50 0.00556 0.006255 0.006931 0.00762 0.010032 0.011046 0.012167 0.013402 0.01476 0.016241 0.017841
51 0.006187 0.006869 0.007533 0.008167 0.011046 0.012167 0.013402 0.01476 0.016241 0.017841 0.019549
52 0.00688 0.007536 0.008176 0.008751 0.012167 0.013402 0.01476 0.016241 0.017841 0.019549 0.021401
53 0.007561 0.008202 0.008778 0.009887 0.013402 0.01476 0.016241 0.017841 0.019549 0.021401 0.023428
54 0.008231 0.008807 0.009919 0.011157 0.01476 0.016241 0.017841 0.019549 0.021401 0.023428 0.025671
55 0.008838 0.009953 0.011196 0.012588 0.016241 0.017841 0.019549 0.021401 0.023428 0.025671 0.028146
56 0.009992 0.011237 0.012634 0.014181 0.017841 0.019549 0.021401 0.023428 0.025671 0.028146 0.030882
57 0.011147 0.012683 0.014068 0.015938 0.019549 0.021401 0.023428 0.025671 0.028146 0.030882 0.033676
58 0.011714 0.01334 0.014814 0.016917 0.021401 0.023428 0.025671 0.028146 0.030882 0.033876 0.037132
59 0.012276 0.013977 0.015524 0.017922 0.023428 0.025671 0.028146 6.030882 0.033878 0.037132 0.040651
60 0.012802 0.014568 0.016225 0.018964 0.025671 0.028146 0.030882 0.033876 0.037132 0.040651 0.044427
61 0.013281 0.015127 0.016917 0.020054 0.028146 0.030882 0.033876 0.037132 0.040651 0.044427 0.046419
62 0.013714 0.015662 0.017604 0.021198 0.030882 0.033876 0.037132 0.040651 0.044427 0.048419 0.052653
63 0.015109 0.01727 0.019589 0.023074 0.033876 0.037132 0.040651 0.044427 0.048419 0.052653 0.057314
64 0.017239 0.019051 0.021807 0.026112 0.037132 0.040651 0.044427 0.048419 0.052653 0.057314 0.062407
65 0.018389 0.02103 0.024265 0.0273 0.040651 0.044427 0.048419 0.052653 0.057314 0.062407 0.067932
66 0.020306 0.023205 0.026974 0.029805 0.044427 0.048419 0.052653 0.057314 0.082407 0.067932 0.07389
67 0.022411 0.025586 0.029938 0.032131 0.048419 0.052653 0.057314 0.062407 0.067932 0.07389 0.080279
68 0.024563 0.028011 0.032273 0.03502 0.052653 0.057314 0.062407 0.067932 0.07389 0.080279 0.087002
69 0.026893 0.030612 0.035175 0.038079 0.057314 0.062407 0.067932 0.07389 0.080279 0.087002 0.093942
70 0.029391 0.033365 0.038248 0.041452 0.062407 0.067932 0.07389 0.080279 0.087002 0.093942 0.101098
71 0.032031 0.036282 0.041633 0.045136 0.067932 0.07389 0.080279 0.087002 0.093942 0.101098 0.10647
72 0.034832 0.039494 0.045332 0.049132 0.07389 0.080279 0.087002 0.093942 0.101098 0.10847 0.116058
73 0.037916 0.043003 0.049346 0.053441 0.080279 0.087002 0.093942 0.101098 0.10847 0.116058 0.123862
74 0.041285 0.04681 0.053673 0.058061 0.067002 0.093942 0.101098 0.10847 0.116058 0.123862 0.131862
75 0.04494 0.050916 0.058314 0.062925 0.093942 0.101098 0.10847 0.116058 0.123862 0.131882 0.140119
76 0.048881 0.055318 0.063198 0.067944 0.101098 0.10847 0.116058 0.123882 0.131882 0.140119 0.14857
77 0.053108 0.059951 0.06824 0.073119 0.10847 0.116058 0.123862 0.131862 0.140119 0.14857 0.157239
78 0.057556 0.064733 0.073438 0.078451 0.116058 0.123862 0.131882 0.140119 0.14857 0.157239 0.166123
79 0.062147 0.069665 0.078793 0.083939 0.123862 0.131882 0.140119 0.14857 0.157239 0.166123 0.175224
80 0.066881 0.074744 0.084304 0.089583 0.131882 0.140119 0.14857 0.157239 0.166123 0.175224
81 0.071757 0.079973 0.089973 0.095384 0.140119 0.14857 0.157239 0.166123 0.175224
82 0.076777 0.085351 0.095799 0.101341 0.14857 0.157239 0.166123 0.175224
83 0.08194 0.090877 0.101782 0.107454 0.157239 0.166123 0.175224
84 0.087246 0.096552 0.107922 0.113724 0.166123 0.175224
85 0.092695 0.102377 0.114218 0.120149 0.175224
86 0.0963 0.10835 0.120655 0.126749
87 0.104035 0.114472 0.127265
88 0.109913 0.120743
89 0.115935
90
AGE X+22 X+23 X+24 Ultimate
--- -------- -------- -------- --------
20 0.000966 0.001068 0.001189 0.001327
21 0.00107 0.001191 0.001327 0.001487
22 0.001194 0.00133 0.001487 0.001667
23 0.001333 0.00149 0.001667 0.001858
24 0.001493 0.00167 0.001868 0.002068
25 0.001674 0.001861 0.002068 0.00229
26 0.001865 0.002072 0.00229 0.002531
27 0.002076 0.002294 0.002531 0.002799
28 0.002298 0.002536 0.002799 0.003087
29 0.00254 0.002803 0.003087 0.003401
30 0.002808 0.003092 0.003401 0.00374
31 0.003096 0.003406 0.00374 0.004121
32 0.003411 0.003746 0.004121 0.004537
33 0.003751 0.004127 0.004537 0.005006
34 0.004132 0.004543 0.005006 0.005531
35 0.004548 0.005012 0.005531 0.006117
36 0.005012 0.005531 0.006117 0.006776
37 0.005531 0.006117 0.006776 0.007496
38 0.006117 0.006776 0.007496 0.008268
39 0.006776 0.007496 0.008268 0.009111
40 0.007496 0.008268 0.009111 0.010032
41 0.008268 0.009111 0.010032 0.011046
42 0.009111 0.010032 0.011046 0.012167
43 0.010032 0.011046 0.012167 0.013402
44 0.011046 0.012167 0.013402 0.01476
45 0.012167 0.013402 0.01476 0.016241
46 0.013402 0.01476 0.016241 0.017841
47 0.01476 0.016241 0.017841 0.019549
48 0.016241 0.017841 0.019549 0.021401
49 0.017841 0.019549 0.021401 0.023428
50 0.019549 0.021401 0.023428 0.025671
51 0.021401 0.023428 0.025671 0.028146
52 0.023428 0.025671 0.028146 0.030882
53 0.025671 0.028146 0.030882 0.033876
54 0.028146 0.030882 0.033876 0.037132
55 0.030882 0.033876 0.037132 0.040651
56 0.033876 0.037132 0.040651 0.044427
57 0.037132 0.040651 0.044427 0.048419
58 0.040651 0.044427 0.048419 0.052653
59 0.044427 0.048419 0.052653 0.057314
60 0.048419 0.052653 0.057314 0.062407
61 0.052653 0.057314 0.062407 0.067932
62 0.057314 0.062407 0.067932 0.07389
63 0.062407 0.067932 0.07389 0.080279
64 0.067932 0.07389 0.080279 0.087002
65 0.07389 0.080279 0.087002 0.093942
66 0.080279 0.087002 0.093942 0.101098
67 0.087002 0.093942 0.101098 0.10847
68 0.093942 0.101098 0.10847 0.116058
69 0.101098 0.10847 0.116058 0.123862
70 0.10847 0.116058 0.123862 0.131882
71 0.116058 0,123862 0.131882 0.140119
72 0.123862 0.131882 0.140119 0.14857
73 0.131882 0.140119 0.14857 0.157239
74 0.140119 0.14857 0.157239 0.166123
75 0.14857 0.157239 0.166123 0.175224
76 0.157239 0.166123 0.175224
77 0.166123 0.175824
78 0.175224
79
80
81
82
83
84
85
86
87
88
89
90
(Mortality for females Ages *20years)
AGE X X+1 X+2 X+3 X+4 X+5 X+6 X+7 X+8 X+9 X+10
--- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000614 0.000218 0.000191 0.000165 0.000145 0.000132 0.000119 0.000106 0.000099 0.000099 0.000106
1 0.000224 0.000191 0.000172 0.000152 0.000132 0.000119 0.000106 0.000106 0.000099 0.000106 0.000112
2 0.000185 0.000172 0.000152 0.000139 0.000119 0.000106 0.000106 0.000106 0.000106 0.000119 0.000132
3 0.000158 0.000158 0.000139 0.000125 0.000112 0.000106 0.000106 0.000106 0.000119 0 000132 0.000145
4 0.000145 0.000145 0.000125 0 000112 0.000112 0.000106 0.000112 0.000119 0.000132 0.000152 0.000172
5 0.000132 0.000132 0.000112 0.000112 0.000112 0.000112 0.0O0125 0.000139 0.000152 0.000178 0.000198
6 0.000125 0.000119 0.000112 0.000112 0.000119 0.000125 0.000139 0.000152 0.000178 0.000198 0.000218
7 0.000112 0.000119 0.000112 0.000119 0.000125 0.000145 0.000158 0.000185 0.000205 0.000218 0.000238
8 0.000106 0.000119 0.000119 0.000132 0.000145 0.000158 0.000185 0.000205 0.000224 0.000244 0.000257
9 0.000106 0.000125 0.000132 0.000152 0.000165 0.000191 0.000211 0.000231 0.000244 0.000257 0.000264
10 0.000106 0.000139 0.000152 0.000165 0.000198 0.000218 0.000231 0.000251 0.000264 0.000271 0.000277
11 0.000112 0.000158 0.000172 0.000198 0.000218 0.000238 0.000257 0.000271 0.000277 0.000284 0.000284
12 0.000119 0.000172 0.000205 0.000224 0.000244 0.000264 0.000277 0.000284 0.000284 0.000284 0.00029
13 0.000139 0.000198 0.000224 0.000238 0.000257 0.000271 0.000277 0.000284 0.00029 0.00029 0.00029
14 0.000165 0.000211 0.000238 0.000251 0.000264 0.000271 0.000277 0.000277 0.000297 0.00029 0.00029
15 0.000185 0.000224 0.000244 0.000257 0.000264 0.000271 0.000271 0.000277 0.000297 0.00029 0.00029
16 0.000211 0.000238 0.000244 0.000257 0.000257 0.000257 0.000264 0.000264 0.000297 0.00029 0.00029
17 0.000238 0.000238 0.000244 0.000251 0.000251 0.000251 0.000251 0.000251 0.000297 0.00029 0.00029
18 0.000238 0.000238 0.000244 0.000251 0.000251 0.000251 0.000251 0.000251 0.000284 0.000284 0.00029
19 0.000238 0.000238 0.000244 0.000251 0.000251 0.000251 0.000251 0.000251 0.000284 0.000277 0.000297
AGE X+11 X+12 X+13 X+14 X+15 X+16 X+17 X+18 X+19 X+20 X+21
--- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
0 0.000112 0.000125 0.000145 0.000165 0.000185 0.000205 0.000224 0.000238 0.000244 0.000251 0.000251
1 0.000132 0.000145 0.000172 0.000191 0.000205 0.000224 0.000238 0.000244 0.000251 0.000257 0.000257
2 0.000145 0.000172 0.000191 0.000211 0.000231 0.000244 0.000251 0.000257 0.000257 0.000264 0.000257
3 0.000172 0.000191 0.000211 0.000231 0.000244 0.000251 0.000257 0.000264 0.000264 0.000264 0.000257
4 0.000191 0.000211 0.000231 0.000244 0.000251 0.000264 0.000264 0.000264 0.000264 0.000264 0.000257
5 0.000218 0.000238 0.000251 0.000257 0.000264 0.000264 0.000271 0.000264 0.000264 0.000264 0.000257
6 0.000238 0.000251 0.000257 0.000264 0.000271 0.000271 0.000271 0.000264 0.000264 0.000264 0.000257
7 0.000251 0.000264 0.000271 0.000271 0.000277 0.000271 0.000271 0.000264 0.000264 0.000264 0.000257
8 0.000264 0.000271 0.000277 0.000277 0.000277 0.000271 0.000271 0.000264 0.000264 0.000264 0.000264
9 0.000277 0.000277 0.000277 0.000277 0.000277 0.000271 0.000271 0.000264 0.000264 0.000264 0.000264
10 0.000277 0.000284 0.000277 0.000277 0.000277 0.000271 0.000271 0.000264 0.000271 0.000271 0.000277
11 0.000284 0.000284 0.000277 0.000277 0.000277 0.000271 0.000271 0.000271 0.000271 0.000277 0.00029
12 0.000284 0.000284 0.000277 0.000277 0.000277 0.000271 0.000277 0.000271 0.000284 0.00029 0.000304
13 0.000284 0.000284 0.000277 0.000277 0.000277 0.000277 0.000277 0.000284 0.000297 0.00031 0.000323
14 0.000284 0.000284 0.000277 0.000277 0.000277 0.000277 0.00029 0.000297 0.00031 0.00033 0.00035
15 0.000284 0.000284 0.000277 0.000284 0.000284 0.00029 0.000304 0.000317 0.00033 0.000356 0.000383
16 0.000284 0.000284 0.000284 0.000284 0.000297 0.000304 0.000317 0.000337 0.000363 0.000383 0.000416
17 0.000284 0.00029 0.00029 0.000297 0.000304 0.000317 0.000337 0.000363 0.000389 0.000422 0.000455
18 0.00029 0.00029 0.000304 0.00031 0.000323 0.000343 0.00037 0.000389 0.000429 0.000462 0.000502
19 0.00029 0.000304 0.00031 0.000323 0.000343 0.00037 0.000396 0.000429 0.000469 0.000508 0.000561
AGE X+22 X+23 X+24 Ultimate
--- -------- -------- -------- --------
0 0.000257 0.000251 0.000251 0.000251
1 0.000257 0.000251 0.000251 0.000251
2 0.000257 0.000251 0.000251 0.000251
3 0.000257 0.000251 0.000251 0.000251
4 0.000257 0.000251 0.000251 0.000251
5 0.000257 0.000251 0.000257 0.000257
6 0.000257 0.000257 0.000257 0.000264
7 0.000264 0.000257 0.000271 0.000277
8 0.000264 0.000271 0.000277 0.00029
9 0.000277 0.000284 0.000297 0.00031
10 0.000284 0.000297 0.000317 0.000337
11 0.000304 0.000317 0.000343 0.000363
12 0.000323 0.000343 0.00037 0.000403
13 0.00035 0.000376 0.000403 0.000442
14 0.000376 0.000409 0.000442 0.000482
15 0.000416 0.000449 0.000488 0.000541
16 0.000455 0.000495 0.000541 0.000601
17 0.000502 0.000548 0.000601 0.00066
18 0.000554 0.000607 0.000667 0.000719
19 0.000614 0.000673 0.000726 0.000779
0.000845
0.000904
0.00097
0.00103
0.001096
0.001188
0.001287
0.001393
0.001511
0.00165
0.001802
0.00196
0.002138
0.00233
0.002541
0.002765
0.002996
0.003247
0.003518
0.003802
0.004118
0.004462
0.004844
0.00526
0.005716
0.00623
0.006824
0.007511
0.008309
0.00924
0.010316
0.01157
0.013002
0.014645
0.016493
0.018546
0.02081
0.023272
0.025945
0.028822
0.031911
0.035198
0.038696
0.042398
0.046312
0.050424
0.054747
0.059275
0.064007
0.06895
0.074098
0.079451
0.085008
0.09077
0.096743
0.10292
* Less than
(Mortality for females Ages *20-85years)
X X+1 X+2 X+3 X+4 X+5 X+6 X+7 X+8 X+9 X+10 X+11
--- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
20 0.000196 0.0002 0.000211 0.000216 0.000226 0.000225 0.000235 0.000239 0.00026 0.00027 0.000296
21 0.00019 0.0002 0.000205 0.000216 0.00022 0.000225 0.000235 0.000239 0.000255 0.000265 0.000312
22 0.000179 0.000189 0.000199 0.00021 0.00022 0.000225 0.000235 0.000245 0.000249 0.00027 0.000329
23 0.000179 0.000189 0.000205 0.000216 0.000226 0.00023 0.000246 0.00025 0.000271 0.000297 0.00035
24 0.000174 0.000189 0.000211 0.000221 0.000231 0.000247 0.000251 0.000272 0.000299 0.000319 0.000377
25 0.000174 0.000195 0.000217 0.000227 0.000242 0.000252 0.000273 0.0003 0.00032 0.000341 0.000415
26 0.000167 0.000195 0.000216 0.000237 0.000252 0.000273 0.0003 0.000321 0.000341 0.000372 0.000451
27 0.000166 0.000194 0.000226 0.000247 0.000274 0.0003 0.000321 0.000342 0.000356 0.000409 0.000499
28 0.000172 0.000198 0.000231 0.000263 0.00029 0.000321 0.000342 0.000357 0.000409 0.000462 0.000551
29 0.000176 0.000204 0.000241 0.000279 0.000311 0.000342 0.000357 0.00041 0.000462 0.00052 0.000614
30 0.000182 0.000214 0.000257 0.000294 0.000336 0.000357 0.00041 0.000462 0.00052 0.000577 0.000688
31 0.000192 0.000224 0.000272 0.000321 0.000358 0.00041 0.000463 0.000521 0.000578 0.000636 0.000772
32 0.000207 0.00024 0.000294 0.000353 0.000411 0.000464 0.000522 0.000579 0.000636 0.000699 0.000861
33 0.000212 0.00025 0.00031 0.000374 0.000442 0.000501 0.000575 0.000637 0.000699 0.000787 0.000939
34 0.000222 0.000267 0.000325 0.0004 0.000474 0.000548 0.000632 0.0007 0.000788 0.00087 0.001016
35 0.000232 0.000275 0.000339 0.000424 0.000508 0.000597 0.000691 0.000785 0.000868 0.000956 0.001091
36 0.000243 0.00029 0.00036 0.000455 0.000555 0.000655 0.00076 0.000864 0.000957 0.001054 0.001173
37 0.000257 0.00031 0.000379 0.000489 0.0006 0.000715 0.000824 0.000934 0.001042 0.00115 0.001252
38 0.000272 0.000341 0.000425 0.000551 0.000666 0.000787 0.000895 0.001009 0.001123 0.001231 0.001337
39 0.000293 0.000382 0.000471 0.000613 0.000733 0.000858 0.000972 0.00109 0.001203 0.001315 0.001427
40 0.000318 0.000423 0.000527 0.000674 0.000798 0.000933 0.001052 0.00117 0.001283 0.0014 0.001527
41 0.000345 0.000471 0.00058 0.000743 0.000872 0.001017 0.001136 0.00126 0001372 0.001504 0.001637
42 0.000371 0.000518 0.000633 0.000811 0.000946 0.001102 0.00122 0.001348 0.001476 0.001614 0.001756
43 0.000403 0.000556 0.000681 0.000859 0.000999 0.001154 0.001283 0.001432 0.001571 0.001724 0.001891
44 0.00043 0.000592 0.000734 0.000901 0.001052 0.001207 0.001357 0.001516 0.001675 0.001849 0.002037
45 0.000456 0.00063 0.000782 0.000944 0.001105 0.00127 0.001431 0.001606 0.00179 0.001989 0.002199
46 0.000484 0.000668 0.000836 0.000982 0.001169 0.00133 0.001511 0.001717 0.001917 0.002143 0.002367
47 0.000511 0.000707 0.00089 0.001032 0.001235 0.001395 0.001607 0.001829 0.00206 0.002301 0.00255
48 0.000533 0.00074 0.000934 0.00108 0.001295 0.001486 0.00172 0.001972 0.002198 0.002454 0.002724
49 0.000562 0.000778 0.000974 0.00113 0.001365 0.001583 0.001843 0.002122 0.002347 0.002623 0.002903
50 0.000589 0.000818 0.001018 0.00119 0.001441 0.001691 0.001971 0.002287 0.002506 0.002792 0.003087
51 0.000617 0.000856 0.001073 0.001251 0.001517 0.001799 0.00211 0.002462 0.002671 0.002967 0.003277
52 0.000645 0.0009 0.001122 0.001316 0.001599 0.001912 0.00226 0.002649 0.002835 0.003147 0.003466
53 0.000678 0.000944 0.001187 0.001414 0.001718 0.002052 0.002416 0.002814 0.003032 0.003358 0.003683
54 0.000711 0.000994 0.001259 0.001516 0.001847 0.002203 0.002577 0.00298 0.003234 0.00357 0.003914
55 0.000745 0.001039 0.00133 0.001631 0.001982 0.002354 0.002743 0.003152 0.003447 0.003803 0.004162
56 0.000785 0.001089 0.001408 0.001752 0.00212 0.002511 0.002917 0.003325 0.003672 0.004048 0.004427
57 0.000819 0.001141 0.001486 0.001874 0.002268 0.002676 0.003091 0.003504 0.003913 0.004315 0.004713
58 0.000887 0.001241 0.001614 0.002022 0.002433 0.002851 0.003287 0.003726 0.004161 0.004583 0.005116
59 0.000954 0.001346 0.001753 0.002177 0.002604 0.003043 0.003501 0.003959 0.00442 0.004872 0.005561
60 0.001027 0.001459 0.001897 0.002343 0.002786 0.003246 0.003724 0.004215 0.004706 0.005183 0.006065
61 0.0011 0.00158 0.002046 0.002518 0.002982 0.003458 0.003961 0.004483 0.005005 0.005522 0.006639
62 0.001177 0.001701 0.00221 0.00271 0.003194 0.00369 0.00422 0.004772 0.005335 0.005904 0.007303
63 0.001244 0.001785 0.002315 0.002836 0.003347 0.003875 0.004436 0.005052 0.005698 0.006392 0.007905
64 0.001316 0.001874 0.002425 0.002968 0.003505 0.004066 0.00468 0.005363 0.006114 0.006954 0.008591
65 0.001389 0.001963 0.002536 0.003106 0.00367 0.004273 0.004944 0.005712 0.006595 0.007596 0.009377
66 0.001466 0.002055 0.002656 0.003247 0.003843 0.004498 0.005244 0.006112 0.007136 0.008335 0.010261
67 0.001548 0.002153 0.002776 0.003399 0.004037 0.004756 0.005581 0.006564 0.007751 0.009175 0.011254
68 0.001679 0.002339 0.003026 0.003724 0.004442 0.005261 0.006207 0.007331 0.00869 0.010316 0.012554
69 0.001828 0.002553 0.003315 0.004097 0.004917 0.005853 0.00693 0.008216 0.009767 0.011616 0.01401
70 0.001993 0.002793 0.003647 0.004531 0.005467 0.006535 0.007769 0.009239 0.010998 0.013084 0.015756
71 0.002182 0.003074 0.004034 0.005038 0.006105 0.007325 0.008734 0.010405 0.012385 0.014713 0.017676
72 0.002401 0.003401 0.004486 0.005627 0.006844 0.008234 0.009836 0.011718 0.013927 0.016506 0.019772
73 0.002656 0.003781 0.005009 0.006307 0.007694 0.009274 0.011077 0.013178 0.015625 0.018463 0.022042
74 0.002953 0.004222 0.005616 0.007089 0.008665 0.010444 0.012457 0.014783 0.017477 0.020583 0.024488
75 0.003298 0.004733 0.006312 0.007985 0.009758 0.011745 0.013975 0.016536 0.019484 0.022867 0.027109
76 0.003697 0.005321 0.007109 0.008992 0.010974 0.013176 0.015632 0.018435 0.021645 0.025314 0.029904
77 0.004156 0.005992 0.008007 0.010112 0.012311 0.014738 0.017427 0.02048 0.023962 0.027925 0.032875
78 0.004681 0.006748 0.009003 0.011344 0.01377 0.01643 0.019361 0.022672 0.026433 0.030699 0.036022
79 0.005271 0.007589 0.0101 0.012689 0.015352 0.018253 0.021433 0.02501 0.02906 0.033637 0.039343
80 0.005928 0.008514 0.011298 0.014146 0.017055 0.020207 0.023643 0.027495 0.031841 0.036738 0.042839
81 0.006651 0.009523 0.012595 0.015716 0.01888 0.022291 0.025992 0.030126 0.034776 0.040003 0.046511
82 0.007439 0.010616 0.013993 0.017398 0.020828 0.024505 0.02848 0.032904 0.037867 0.043432 0.050358
83 0.008293 0.011795 0.015491 0.019192 0.022897 0.02685 0.031105 0.035828 0.041112 0.047024 0.054379
84 0.009213 0.013057 0.017088 0.021099 0.025088 0.029326 0.03387 0.038899 0.044512 0.050779 0.058577
85 0.010199 0.014403 0.018786 0.023118 0.027401 0.031932 0.036773 0.042116 0.048068 0.054699 0.062949
86 0.011251 0.015832 0.020587 0.02525 0.029832 0.034674 0.039814 0.045473 0.051784 0.058781 0.067487
87 0.012368 0.017347 0.022485 0.027494 0.032389 0.037541 0.042994 0.048983 0.05565 0.063027 0.072208
88 0.013552 0.018947 0.024483 0.02985 0.035068 0.04054 0.046312 0.052639 0.05967 0.067437 0.077105
89 0.014802 0.02063 0.026581 0.032319 0.037868 0.043668 0.049769 0.056441 0.063844 0.07201 0.082177
90 0.016117 0.022398 0.02878 0.0349 0.040791 0.046928 0.053364 0.06039 0.068174 0.076747 0.087424
X X+12 X+13 X+14 X+15 X+16 X+17 X+18 X+19 X+20 X+21 X+22
--- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
20 0.000311 0.000326 0.000346 0.000371 0.000407 0.000442 0.000488 0.000538 0.000598 0.00067 0.000751
21 0.000327 0.000347 0.000372 0.000408 0.000443 0.000489 0.00054 0.0006 0.000671 0.000752 0.000838
22 0.000349 0.000374 0.00041 0.000445 0.000491 0.000542 0.000603 0.000673 0.000754 0.00084 0.000927
23 0.000375 0.000412 0.000447 0.000493 0.000544 0.000605 0.000676 0.000757 0.000842 0.000929 0.001015
24 0.000413 0.000448 0.000495 0.000546 0.000607 0.000679 0.00076 0.000845 0.000931 0001017 0.001108
25 0.00045 0.000497 0.000548 0.00081 0.000681 0.000763 0.000848 0.000934 0.001019 0.00111 0.001206
26 0.000498 0.00055 0.000611 0.000683 0.000765 0.000851 0.000937 0.001022 0.001112 0.001209 0.001304
27 0.000551 0.000613 0.000685 0.000767 0.000853 0.00094 0.001025 0.001115 0.00121 0.001306 0.001407
28 0.000614 0.000686 0.000768 0.000855 0.000942 0.001028 0.001118 0.001214 0.001308 0.001409 0.001516
29 0.000687 0.00077 0.000857 0.000944 0.00103 0.001121 0.001217 0.001312 0.001411 0.001518 0.00164
30 0.000771 0.000858 0.000946 0.001032 0.001123 0.00122 0.001315 0.001415 0.00152 0.001642 0.001774
31 0.00086 0.000948 0.001034 0.001126 0.001223 0.001318 0.001419 0.001524 0.001644 0.001776 0.001918
32 0.000949 0.001035 0.001127 0.001224 0.00132 0.00142 0.001526 0.001646 0.001778 0.00192 0.002088
33 0.001026 0.001118 0.001225 0.001321 0.001421 0.001527 0.001647 0.00178 0001922 0.00209 0.002273
34 0.001108 0.00121 0.001317 0.001422 0.001528 0.001648 0.001781 0.001924 0.002092 0.002275 0.002479
35 0.001193 0.001289 0.001417 0.001522 0.001649 0.001782 0.001925 0.002094 0.002277 0.002481 0.002701
36 0.00129 0.001382 0.001525 0.001646 0.001783 0.001926 0.002094 0.002278 0.002482 0.002701 0.00294
37 0.001359 0.001471 0.00164 0.001776 0.001923 0.002091 0.002274 0.002478 0.002697 0.002936 0.0032
38 0.001449 0.001571 0.001754 0.001896 0.002088 0.002271 0.002475 0.002694 0.002932 0.0032 0.003488
39 0.001549 0.001676 0.001874 0.002036 0.002269 0.002472 0.002691 0.002932 0.0032 0.003488 0.003792
40 0.001654 0.00179 0.00202 0.002191 0.002469 0.002691 0.002932 0.0032 0.003488 0.003792 0.004116
41 0.001773 0.001925 0.002185 0.002361 0.002691 0.002932 0.0032 0.003488 0.003792 0.004116 0.004461
42 0.001914 0.002076 0.002361 0.002546 0.002932 0.0032 0.003488 0.003792 0.004116 0.004461 0.004825
43 0.002064 0.002246 0.002551 0.002768 0.0032 0.003488 0.003792 0.004116 0.004461 0.004825 0.005222
44 0.00223 0.002428 0.002774 0.003016 0.003488 0.003792 0.004116 0.004461 0.004825 0.005222 0.005654
45 0.002407 0.002625 0.003012 0.003279 0.003792 0.004116 0.004461 0.004825 0.005222 0.005654 0.006127
46 0.0026 0.002843 0.003265 0.003553 0.004116 0.004461 0.004825 0.005222 0.005654 0.006127 0.006647
47 0.002809 0.003077 0.003535 0.003847 0.004461 0.004825 0.005222 0.005654 0.006127 0.006647 0.007218
48 0.002998 0.003271 0.003749 0.004064 0.004825 0.005222 0.005654 0.006127 0.006647 0.007218 0.007846
49 0.003187 0.003474 0.003967 0.004281 0.005222 0.005654 0.006127 0.006647 0.007218 0.007846 0.006556
50 0.003381 0.003678 0.004185 0.004514 0.005654 0.006127 0.006647 0.007218 0.007846 0.008556 0.009368
51 0.00358 0.003886 0.004414 0.004752 0.006127 0.006647 0.007218 0.007846 0.008556 0.009368 0.010309
52 0.003785 0.004106 0.004657 0.005005 0.006647 0.007218 0.007846 0.008556 0.009368 0.010309 0.011406
53 0.004036 0.004398 0.00501 0.005418 0.007218 0.007846 0.008556 0.009368 0.010309 0.011406 0.012681
54 0.004303 0.004711 0.0054 0.005868 0.007846 0.008556 0.009368 0.010309 0.011406 0.012681 0.014163
55 0.004592 0.005049 0.00582 0.006364 0.008556 0.009368 0.010309 0.011406 0.012681 0.014163 0.015876
56 0.004902 0.005421 0.006283 0.006923 0.009368 0.010309 0.011406 0.012681 0.014163 0.015876 0.017846
57 0.005239 0.005824 0.006804 0.007564 0.010309 0.011406 0.012681 0.014163 0.015876 0.017846 0.0201
58 0.005671 0.006301 0.00735 0.00818 0.011406 0.012681 0.014163 0.015876 0.017846 0.0201 0.022635
59 0.006162 0.00684 0.007985 0.008889 0.012681 0.014163 0.015876 0.017846 0.0201 0.022635 0.025454
60 0.00672 0.007464 0.008714 0.009701 0.014163 0.015876 0.017846 0.0201 0.022635 0.025454 0.028557
61 0.007365 0.008178 0.009556 0.010637 0.015876 0.017846 0.0201 0.022635 0.025454 0.028557 0.031942
62 0.00811 0.009014 0.010522 0.011697 0.017846 0.0201 0.022635 0.025454 0.028557 0.031942 0.03561
63 0.008792 0.009792 0.011457 0.012778 0.0201 0.022635 0.025454 0.028557 0.031942 0.03561 0.03956
64 0.009569 0.01067 0.012502 0.013977 0.022635 0.025454 0.028557 0.031942 0.03561 0.03956 0.043795
65 0.010441 0.011646 0.01365 0.01527 0.025454 0.028557 0.031942 0.03561 0.03956 0.043795 0.048312
66 0.011421 0.012726 0.014891 0.016639 0.028557 0.031942 0.03561 0.03956 0.043795 Q.048312 0.053111
67 0.012499 0.013888 0.016199 0.018075 0.031942 0.03561 0.03956 0.043795 0.048312 0.053111 0.058193
68 0.013949 0.015619 0.018156 0.02022 0.03561 0.03956 0.043795 0.048312 0.053111 0.058193 0.06356
69 0.015688 0.017522 0.02031 0.02254 0.03956 0.043795 0.048312 0.053111 0.058193 0.06356 0.069208
70 0.017599 0.019597 0.02264 0.025041 0.043795 0.048312 0.053111 0.058193 0.06356 0.069208 0.075139
71 0.019685 0.021847 0.025152 0.027721 0.048312 0.053111 0.058193 0.06356 0.069208 0.075139 0.081354
72 0.021945 0.024271 0.027844 0.03058 0.053111 0.058193 0.06356 0.069208 0.075139 0.081354 0.087851
73 0.02438 0.026868 0.030715 0.033618 0.058193 0.06356 0.069208 0.075139 0.081354 0.087851 0.094632
74 0.026989 0.029639 0.033767 0.036835 0.06356 0.069208 0.075139 0.081354 0.087851 0.094632 0.101694
75 0.029773 0.032584 0.036998 0.040232 0.069208 0.075139 0.081354 0.087851 0.094632 0.101694 0.109041
76 0.032731 0.035702 0.04041 0.043807 0.075139 0.081354 0.087851 0.094632 0.101694 0.109041 0.11667
77 0.035863 0.038994 0.044001 0.047561 0.081354 0.087851 0.094632 0.101694 0.109041 0.11667 0.124582
78 0.03917 0.04246 0.047772 0.051495 0.087851 0.094632 0.101694 0.109041 0.11667 0.124582 0.132777
79 0.042651 0.046099 0.051723 0.055608 0.094632 0.101694 0.109041 0.11667 0.124582 0.132777 0.141255
80 0.046306 0.049911 0.055854 0.0599 0.101694 0.109041 0.11667 0.124582 0.132777 0.141255
81 0.050137 0.053898 0.060165 0.06437 0.109041 0.11667 0.124582 0.132777 0.141255
82 0.05414 0.058057 0.064656 0.069021 0.11667 0.124582 0.132777 0.141255
83 0.058319 0.062391 0.069326 0.073849 0.124582 0.132777 0.141255
84 0.062672 0.066897 0.074177 0.078858 0.132777 0.141255
85 0.067199 0.071579 0.079207 0.084045 0.141255
86 0.071911 0.076432 0.084406 0.089424
87 0.076788 0.08146 0.089795
88 0.081839 0.086661
89 0.087064
90
X X+23 X+24 X+25 Ultimate
--- -------- -------- -------- --------
20 0.000837 0.000923 0.001008 0.001101
21 0.000925 0.00101 0.001101 0.001199
22 0.001012 0.001103 0.001199 0.001296
23 0.001105 0.001202 0.001296 0.001399
24 0.001204 0.001299 0.001399 0.001508
25 0.001302 0.001402 0.001508 0.001631
26 0.001405 0.001511 0.001631 0.001765
27 0.001513 0.001634 0.001765 0.001909
28 0.001637 0.001768 0.001909 0.002078
29 0.001771 0.001912 0.002078 0.002264
30 0.001915 0.002082 0.002264 0.002469
31 0.002085 0.002267 0.002469 0.002691
32 0.00227 0.002473 0.002691 0.002932
33 0.002476 0.002695 0.002932 0.0032
34 0.002698 0.002936 0.0032 0.003488
35 0.00294 0.003204 0.003488 0.003792
36 0.003204 0.003488 0.003792 0.004116
37 0.003488 0.003792 0.004116 0.004461
38 0.003792 0.004116 0.004461 0.004825
39 0.004116 0.004461 0.004825 0.005222
40 0.004461 0.004825 0.005222 0.005654
41 0.004825 0.005222 0.005654 0.006127
42 0.005222 0.005654 0.006127 0.006647
43 0.005654 0.006127 0.006647 0.007218
44 0.006127 0.006647 0.007218 0.007846
45 0.006647 0.007218 0.007846 0.008556
46 0.007218 0.007846 0.008556 0.009368
47 0.007846 0.008556 0.009368 0.010309
48 0.008556 0.009368 0.010309 0.011406
49 0.009368 0.010309 0.011406 0.012681
50 0.010309 0.011406 0.012681 0.014163
51 0.011406 0.012681 0.014163 0.015876
52 0.012681 0.014163 0.015876 0.017846
53 0.014163 0.015876 0.017846 0.0201
54 0.015876 0.017846 0.0201 0.022635
55 0.017846 0.0201 0.022635 0.025454
56 0.0201 0.022635 0.025454 0.028557
57 0.022635 0.025454 0.028557 0.031942
58 0.025454 0.028557 0.031942 0.03561
59 0.028557 0.031942 0.03561 0.03956
60 0.031942 0.03561 0.03956 0.043795
61 0.03561 0.03956 0.043795 0.048312
62 0.03956 0.043795 0.048312 0.053111
63 0.043795 0.048312 0.053111 0.058193
64 0.048312 0.053111 0.058193 0.06356
65 0.053111 0.058193 0.06356 0.069208
66 0.058193 0.06356 0.069208 0.075139
67 0.06356 0.069208 0.075139 0.081354
68 0.069208 0.075139 0.081354 0.087851
69 0.075139 0.081354 0.087851 0.094632
70 0.081354 0.087851 0.094632 0.101694
71 0.087851 0.094632 0.101694 0.109041
72 0.094632 0.101694 0.109041 0.11667
73 0.101694 0.109041 0.11667 0.124582
74 0.109041 0.11667 0.124582 0.132777
75 0.11667 0.124582 0.132777 0.141255
76 0.124582 0.132777 0.141255
77 0.132777 0.141255
78 0.141255
79
80
81
82
83
84
85
86
87
88
89
90
* Less than
Exhibit D
The Company's Retention Limits
Issue Age Retention Limit
--------- ---------------
0 - 75 1,000,000
76 - 90 100,000
It is understood that the amount retained by the company includes its retention
under any inforce policies
Constant Risk Retention
The Company will retain a constant amount of the net amount at risk on a policy.
Any change in the net amount at risk due to changes in the cash value applicable
to the policy will be allocated to the reinsurers.
Exhibit E
The Automatic Acceptance Limits
The Reinsurer will automatically accept 25% of the excess over the Company's
Retention up to the following limits on a per life basis:
Issue Age Automatic Limit
--------- ---------------
0 - 75 20,000,000
76 - 90 2,000,000
Jumbo Limit
Ages
----
0-75 $30,000,000
76-85 5,000,000
Exhibit F
Reinsurance Reports
Remittance Reporting:
The Company will self-administer reinsurance transactions. During each
accounting period, the Company will report to the Reinsurer all first year and
renewal premiums which became due during the previous accounting period. Also
included in the report will be any adjustments made necessary by changes in
reinsurance effective during a previous accounting period.
The Company will take credit, without interest, for any unearned premiums
arising due to reductions, cancellations or death claims. The unearned premiums
refunded will be net of allowances.
The Company will pay the balance of arrears of premiums due under a reinstated
Reinsured Policy.
The balance due, as calculated above, will then become payable. If the balance
so calculated is due to the Reinsurer, the Company will forward a remittance in
settlement with the report. If the balance is due to the Company, the Reinsurer
will forward a remittance in settlement within fifteen (15) days of receipt of
the report.
Report Requirements: The Company will send to the Reinsurer reports, as per the
Examples Referenced, by the times indicated below:
Report Frequency Due Date Example Reference
------ --------- -------- -----------------
1. Policy Detail Reports Monthly 21st day
(Reinsurance Ceded) after month end
2. Policy Detail Report- Monthly 21st day
Totals (Summary Report) after month end
3. Accounting & Policy Monthly 21st day
Exhibit (Movement after month end
Summary) (First Year and
Renewal Premiums)
4. Quarterly Valuation Quarterly 10th day Exhibit F, p. 3
Reserve after quarter end
(Any estimated figures provided should be confirmed by actual reserve figures)
Exhibit F
Page 2
5. Valuation Reserve Annually Jan 10th Exhibit F, p. 3
Certification
(The amount of reserves calculated on the Reinsured Policies in force as
of December 31st of the preceding year must be certified by the Company's
valuation actuary. The valuation method must be indicated.)
6. Tax Reserve Certification Annually June 1st Exhibit F, p. 5
Reporting System: The format and code structure of the data to be reported on
Reinsured Policies will be mutually agreed by the Reinsurer and the Company. The
Company will inform the Reinsurer of any change in the reporting format or data
prior to use in reports to the Reinsurer.
Notification of Acceptance of Facultative Offer: The Company will advise the
Reinsurer of its acceptance of the Reinsurer's underwriting decision pertaining
to facultative business by sending written notice to the Reinsurer. The Company
will provide the full details of the facultative new business on the next Policy
Detail Report.
Errors And Omissions: Should any items be inadvertently omitted from or entered
in error on a reinsurance report, such omissions or errors will not affect the
liability of the Reinsurer in regard to any Reinsured Policy. The mistakes will
be rectified upon discovery. This does not waive any rights outlined in Article
10.
Additional Information: The Company will provide the Reinsurer upon request,
with any additional information related to the Reinsured Policies and which the
Reinsurer requires in order to complete its financial statements.
Exhibit F
Page 3
Valuation Reserve for Self-Administered Business Ceded to Swiss Re Life And
Health America Inc. from GE Life and Annuity Assurance Company
Inforce and Reserves at 19xx:
------------- -------------
Plan: Type: SM/NSM/AGGR/TOTAL
-------------------------------
Inforce Reinsured Amount:
-----------
Inforce Number of Policies:
---------
Valuation Reserve as at 19xx:
------------- -------------
Reserve Basis
Reserve (Table, interest
Type Amount ($) rate and method)
---- ---------- -----------------
Active Life Reserve
Unearned Premium Reserve
Disabled Life Reserve
Liability for Incurred But Not Reported Claims (IBNR)
Liability for Due and Unpaid Claims
Liability for claims in Course of Settlement
Other** (specify)
Total
**If credit for deficiency reserves is being taken, please specify under
"other".
As the valuation actuary of the above named company I certify that the
information above is correct as shown. *
Name:
-------------------------------
Signature:
--------------------------
Actuarial Designation:
--------------
Title:
------------------------------
Date:
-------------------------------
*Required only for Year End Valuation Reserves.
Exhibit F
Page 4
Tax Reserve Certification for Self-Administered Business Ceded to Swiss Re Life
And Health America Inc. from GE Life and Annuity Assurance Company
Inforce and Reserves at December 31, 19xx:
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Plan: Type: SM/NSM/AGGR/TOTAL
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Inforce Reinsured Amount:
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Inforce Number of Policies:
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Tax Reserve as at December 31, 19xx:
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Reserve Basis
Reserve (Table, interest
Type Amount ($) rate and method)
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Active Life Reserve
Unearned Premium Reserve
Disabled Life Reserve
Liability for Incurred But Not Reported Claims (IBNR)
Liability for Due and Unpaid Claims
Liability for Claims in Course of Settlement
Other** (specify)
Total
**If credit for deficiency reserves is being taken, please specify under
"other".
As the valuation actuary of the above named company I certify that the
information above is correct as shown.
Name:
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Signature:
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Actuarial Designation:
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Title:
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Date:
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Exhibit G
DAC Tax Election
Method Of Exchanging Information
The Reinsurer and the Company agree to the DAC Tax Election and accordingly will
exchange information in the following manner:
1. The Reinsurer will submit a Schedule to the Company by May 1 of each year,
of its calculation of the net consideration (as referred to in Article 12)
for the preceding calendar year.
2. The Company, in turn, will complete the Schedule by indicating acceptance
of the Reinsurer's calculations of the net consideration or by noting any
discrepancies. The Company will return the completed Schedule to the
Reinsurer by June 1 of each year.
3. If there are any discrepancies between the Company's and the Reinsurer's
calculation of the net consideration, the parties will act in good faith to
resolve the discrepancies by July 1 of each year.
This Amendment is made as of January 1, 2001 between GE Life and Annuity
Assurance Company (hereinafter referred to as "the Company") and Swiss Re Life
and Health America Inc. (hereinafter referred to as "the Reinsurer") and is
applicable to the following Agreements:
NA2815-82, Automatic Coinsurance Agreement, Effective June 1, 1982
NA2990-82, Automatic YRT Agreement, Effective March 1, 1982
NA3273-84, Automatic Coinsurance Agreement, Effective June 1, 1984
SBA004-92, Automatic YRT Agreement, Effective February 1, 1992
6948-1, Automatic YRT Agreement, Effective November 1, 2000
It is hereby agreed that effective January 1, 2001, the Automatic Binding Limits
for the reinsurance pool shall be thirty times the Company's retention, not to
exceed the maximums listed below:
Ages All Ratings
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0 - 75 $30,000,000
76 - 89 $ 3,000,000
All other terms and conditions in the Agreements remain unaltered.
Made in duplicate and executed by both parties.
Signed for and on behalf of GE Life and Annuity Assurance Company
By: /s/ Illegible By: /s/ Illegible
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Title: Sr VP Title: VP
Date: October __, 2001 Place: Xxxxxxxx XX
Signed for and on behalf of Swiss Re Life & Health America Inc.
By: /s/ Illegible By: /s/ Illegible
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Title: Vice President Title: ______ VP
Date: September 17, 2001 Place: Stanford, CT
