REINSURANCE AGREEMENT
Between
LIFE INSURANCE COMPANY OF VIRGINIA
Richmond, Virginia
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
Xxxxxx, Xxxxxxxx 00000
TABLE OF CONTENTS
Page
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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 Conventional Underwriting 9
Article XIX Parties to the Agreement 10
Article XX Execution 10
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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, Richmond, Virginia, 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".
Security Life of Denver Insurance Company, hereafter referred to as "Security
Life" is one of the reinsurers participating in this pool. The pool participants
will hereafter be referred to collectively as "the Pool" and individually as
"Pool member".
ARTICLE I
EFFECTIVE DATE AND DURATION
For facultative reinsurance, the effective date of Security Life's participation
shall be November 1, 1985.
In respect to automatic reinsurance, Security Life's participation in the Pool
will commence on April 1, 1986. 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;
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d. that for the current coverage, the Ceding Company has not made
facultative application to another reinsurer.
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 the 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
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will include, but not be limited to, the information shown in Exhibit C. 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 tne 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.
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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 valuaation premium, in which case it is the latter rate that is
guaranteed. All premiums are non-experience rated.
Flat extra, waiver of premium disability benefit, and waiver of cost of
insurance 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 years or less 0% 15%
Waiver of Premium Disability Benefit and Waiver of
Cost of Insurance Benefit 100% 10%
If the Ceding Company fails to pay the reinsurance premiums within 60 days of
their due date, the Pool member may, at their option and without liability
therefor, upon written notice, terminate the reinusrance on all cessions on
which the reinsurance premiums are still unpaid 120 days after said due date,
and the Pool member shall have no further liability under the unpaid cessions.
The Ceding Company will be liable for the proportionate reinsurance premiums to
the date of termination. This remedy shall not preclude other remedies
available. Within 120 days after the termination date, the terminated
reinsurance will be reinstated if all reinsurance premiums in arrears are paid.
The Pool member shall not be liable for claims incurred on reinsurance cessions
between the date of termination and the date the reinsurance is reinstated.
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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.
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 reduction will apply to reduce any in force reinsurance on the life.
If there is more than one insurance policy on the life, the reduction 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
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reinsurance premiums in arrears for the same period the Ceding Company
received premiums in arrears under its policy.
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.
5. If any reduction is made in reinsurance then all recapturable
reinsurance effected under this Agreement must be similarly reduced.
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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 extent 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).
The Ceding Company shall immediately notify the Pool member(s) of its intention
to contest any claim for benefits reinsured under this Agreement or to assert
defenses to a claim for such benefits. In the event of a contest or compromise,
the Pool member(s) shall share in the contest expenses and in the reduction of a
claim by compromise or contest both in the same proportion that the reinsurance
on the risk carried by the Pool member(s) bears to the total amount of insurance
then currently provided in the policy on which the reinsurance was placed. Any
reduction as a result of compromise or contest shall be shared by the same
proportion that the reinsurance carried by the Pool member(s) of the particular
type of risk reduced bears to the total amount of insurance of that type then
currently provided in the policy. "Contest expenses" are interest payable as a
result of any delay, reasonable attorneys' fees, court costs and investigation
expenses of the contest incurred prior to full settlement by the Ceding Company,
and do not include salaries of the Ceding Company's employees and officers or
the Ceding Company's normal claim administration costs.
The Pool member shall not share in noncontractual damages or any legal or
investigative expenses related thereto. Noncontractual damages include punitive,
exemplary, compensatory or consequential damages assessed on the basis of fault
or wrongdoing on the part of the Ceding Company, its agents or representatives.
The Pool will refund any unearned premium to the Ceding Company for premiums
paid beyond the date of death of any covered insured.
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.
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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 Ceding Company will be responsible for any state premium taxes the Ceding
Company is required to pay on such premiums paid to the Pool. Security Life will
not provide the Ceding Company any reimbursements for state premium taxes.
ARTICLE XIV
ERROR AND OVERSIGHT
If, unintentionally and through error 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 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
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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 questions
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.
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ARTICLE XVIII
CONVENTIONAL UNDERWRITING
All the various rates and limits in this Agreement apply to insurance
underwritten by the Ceding Company in a manner consistent with conventional
underwriting practices of life insurance companies. Different rates and limits
will be applicable to the Ceding Company's business reinsured hereunder which is
underwritten on a guaranteed issue basis, any form of simplified underwriting,
or any form of unconventional nonmedical limits. The Ceding Company shall notify
Security Life in writing prior to commencement of any such reinsurance, and
Security Life will provide the Ceding Company with the applicable table of rates
and limits.
ARTICLE XIX
PARTIES TO THE AGREEMENT
This Agreement is solely between the Ceding Company and Security Life.
Reinsurance hereunder shall not create any right or legal relation between
Security Life and any insured, policyowner, beneficiary, assignee or other
person. The Ceding Company shall not make Security Life a party to any
litigation between itself and any other party.
ARTICLE XX
EXECUTION
This Agreement is dated and signed by the officers indicated.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By /s/ Illegible By /s/ Illegible
----------------------------------- ------------------------------------
Title __ V.P. Title Asst VP-Reinsurance
Date 7/22/86 Date 5/16/86
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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 0.49 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 42.06 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
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 0.48 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 0.68 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 0.53 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 8.10 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 33.70 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 20.10 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 12.36 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
R-FACTORS 1/1/86 MALE 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 0.57 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 0.56 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 0.39 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 1.28 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 1.19 1.81 2.36 2.88 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 3.09 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 8.90 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 2.30 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 21.97 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 48.14 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
R-FACTORS 1/1/86 MALE 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 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 0.84 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 38.41 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 97.00 114.60 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
[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 0.40 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 14.59 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 12.88 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 9.70 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
[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 0.32 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 0.28 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 0.26 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 0.52 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 0.58 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 0.45 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 0.31 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 0.55 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 1.42 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 0.89 1.42 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 1.98 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 12.20 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
[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 0.66 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 0.55 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 0.82 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 0.75 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 0.53 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 1.53 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 1.18 1.76 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 7.18 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 2.53 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 36.23 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 42.33 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
R-FACTORS 1/1/86 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.__ 0.20 0.18 0.15 0.14 0.13 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 0.87 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 1.64 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 1.03 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 1.39 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 16.20 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 31.41 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
[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 0.75 0.47 0.36 0.30 0.27 0.24 0.22 0.20 0.18 0.20 0.22 0.26 0.36 0.48 0.67 15
1 0.78 0.49 0.38 0.31 0.28 0.25 0.23 0.20 0.19 0.18 0.20 0.24 0.33 0.45 0.62 0.80 16
2 0.51 0.40 0.32 0.29 0.26 0.24 0.21 0.19 0.19 0.19 0.22 0.31 0.41 0.58 0.75 0.94 17
3 0.41 0.34 0.30 0.27 0.25 0.22 0.20 0.20 0.20 0.21 0.29 0.39 0.54 0.70 0.87 1.05 18
4 0.35 0.32 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.37 0.51 0.66 0.82 0.98 1.12 19
5 0.33 0.29 0.27 0.24 0.22 0.21 0.21 0.22 0.29 0.35 0.49 0.63 0.78 0.93 1.06 1.14 20
6 0.30 0.27 0.25 0.23 0.22 0.22 0.23 0.30 0.37 0.47 0.60 0.75 0.89 1.01 1.08 1.17 21
7 0.28 0.25 0.23 0.23 0.23 0.24 0.31 0.38 0.49 0.59 0.73 0.86 0.97 1.04 1.18 1.14 22
8 0.26 0.24 0.23 0.23 0.25 0.32 0.39 0.50 0.61 0.71 0.84 0.94 1.01 1.21 1.15 1.12 23
9 0.25 0.24 0.24 0.26 0.33 0.40 0.52 0.63 0.74 0.83 0.93 0.98 1.24 1.18 1.13 1.11 24
10 0.25 0.25 0.26 0.34 0.42 0.54 0.65 0.76 0.86 0.93 0.98 1.26 1.20 1.16 1.12 1.09 25
11 0.25 0.27 0.34 0.42 0.54 0.65 0.77 0.87 0.94 0.96 1.29 1.23 1.18 1.15 1.10 1.08 26
12 0.27 0.34 0.42 0.55 0.66 0.78 0.87 0.95 0.97 1.32 1.26 1.21 1.17 1.13 1.09 1.05 27
13 0.35 0.43 0.55 0.67 0.78 0.88 0.96 0.98 1.30 1.29 1.24 1.20 1.15 1.12 1.06 1.10 28
14 0.43 0.56 0.67 0.79 0.89 0.97 0.99 1.29 1.27 1.26 1.23 1.18 1.14 1.08 1.11 1.14 29
15 0.55 0.67 0.78 0.87 0.94 0.98 1.29 1.25 1.24 1.24 1.21 1.17 1.11 1.14 1.15 1.19 30
16 0.65 0.75 0.81 0.87 0.91 1.25 1.25 1.23 1.22 1.23 1.18 1.13 1.16 1.18 1.20 1.24 31
17 0.71 0.77 0.80 0.83 1.22 1.21 1.21 1.20 1.20 1.21 1.16 1.19 1.20 1.23 1.25 1.26 32
18 0.68 0.73 0.76 1.15 1.18 1.15 1.15 1.15 1.17 1.10 1.15 1.19 1.22 1.26 1.27 1.29 33
19 0.63 0.68 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 34
20 0.56 0.97 1.01 1.03 1.03 0.99 1.02 1.02 1.06 1.13 1.12 1.19 1.24 1.30 1.35 1.41 35
21 0.81 0.91 0.96 0.96 0.95 0.91 0.95 0.98 1.03 1.10 1.13 1.19 1.26 1.34 1.42 1.51 36
22 0.76 0.86 0.92 0.92 0.91 0.90 0.92 0.95 1.02 1.10 1.14 1.20 1.29 1.39 1.50 1.63 37
23 0.73 0.8_ 0.89 0.89 0.90 0.89 0.92 0.97 1.03 1.12 1.18 1.25 1.36 1.49 1.60 1.78 38
24 0.69 0.78 0.84 0.8_ 0.89 0.90 0.93 0.99 1.06 1.16 1.26 1.33 1.47 1.62 1.76 1.95 39
25 0.66 0.73 0.82 0.85 0.90 0.92 0.96 1.03 1.12 1.23 1.34 1.45 1.61 1.79 1.94 2.15 40
26 0.63 0.71 0.79 0.84 0.91 0.95 1.00 1.08 1.18 1.31 1.44 1.60 1.77 1.98 2.17 2.40 41
27 0.63 0.69 0.78 0.86 0.93 0.99 1.07 1.16 1.28 1.43 1.58 1.76 1.96 2.20 2.42 2.66 42
28 0.64 0.71 0.80 0.89 0.97 1.05 1.14 1.26 1.40 1.58 1.74 1.94 2.17 2.43 2.67 2.96 43
29 0.67 0.75 0.83 0.92 1.03 1.13 1.24 1.38 1.55 1.77 1.95 2.15 2.40 2.68 2.95 3.30 44
30 0.72 0.80 0.89 0.98 1.10 1.23 1.36 1.53 1.73 1.97 2.17 2.40 2.66 2.96 3.26 3.68 45
31 0.76 0.86 0.95 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 46
32 0.79 0.91 1.02 1.14 1.__ 1.46 1.66 1.87 2.14 2.44 2.69 2.97 3.20 3.65 4.02 4.53 47
33 0.81 0.95 1.08 1.23 1.41 1.60 1.83 2.07 2.36 2.69 2.97 3.29 3.66 4.07 4.49 5.06 48
34 0.82 0.98 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 49
35 0.83 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 50
36 0.85 1.09 1.33 1.59 1.87 2.15 2.47 2.81 3.18 3.59 4.00 4.45 5.01 5.64 6.26 7.09 51
37 0.91 1.18 1.46 1.77 2.09 2.41 2.75 3.13 3.55 3.99 4.43 4.94 5.56 6.26 6.95 7.77 52
38 0.99 1.30 1.64 1.99 2.34 2.69 3.07 3.50 3.94 4.43 4.90 5.46 6.12 6.__ 7.67 8.52 53
39 1.09 1.47 1.85 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 54
40 1.22 1.66 2.08 2.51 2.91 3.34 3.80 4.31 4.85 5.45 5.98 6.59 7.35 8.25 9.27 10.36 55
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 56
42 1.47 2.04 2.58 3.11 3.59 4.07 4.60 5.21 5.88 6.58 7.25 8.02 8.94 10.07 11.41 13.11 57
43 1.60 2.23 2.84 3.40 3.93 4.46 5.03 5.67 6.37 7.18 7.95 8.86 9.90 11.15 12.64 14.65 58
44 1.74 2.43 3.08 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 59
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 60
46 2.03 2.83 3.62 4.39 5.08 5.73 6.42 7.18 8.00 9.16 10.39 11.76 13.32 14.99 16.88 19.45 61
47 2.17 3.07 3.94 4.78 5.56 6.27 7.01 7.82 8.79 9.99 11.32 12.84 14.53 16.38 18.48 21.18 62
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 63
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 64
50 2.62 3.91 5.10 6.25 7.38 8.42 9.43 10.50 11.70 12.99 14.49 16.37 18.64 21.23 24.14 27.75 65
51 2.78 4.23 5.55 6.80 8.02 9.19 10.31 11.47 12.68 14.06 15.70 17.77 20.29 23.23 26.53 30.63 66
52 2.95 4.57 6.01 7.35 8.65 9.90 11.13 12.34 13.62 15.14 16.96 19.25 22.05 25.33 29.03 33.63 67
53 3.13 4.90 6.46 7.87 9.24 10.54 11.80 13.10 14.54 16.19 18.24 20.79 23.88 27.48 31.62 36.75 68
54 3.33 5.24 6.90 8.39 9.82 11.10 12.39 13.82 15.42 17.24 19.54 22.40 25.79 29.72 34.25 39.81 69
55 3.54 5.61 7.39 8.94 10.37 11.66 13.01 14.51 16.31 18.31 20.90 24.08 27.80 32.07 37.06 43.01 70
56 3.79 6.02 7.94 9.54 10.97 12.29 13.69 15.28 17.21 19.41 22.26 24.74 29.73 34.32 39.71 46.24 71
57 4.09 6.51 8.54 10.22 11.67 13.0_ 14.53 16.17 18.13 20.59 23.72 27.49 31.81 36.76 42.56 49.86 72
58 4.46 7.08 9.28 11.05 12.55 14.01 15.55 17.23 19.18 21.87 25.24 29.31 34.01 39.39 45.71 53.56 73
59 4.87 7.75 10.14 12.02 13.63 15.17 16.76 18.45 20.43 23.24 26.84 31.20 36.30 42.23 49.08 57.56 74
60 5.33 8.42 11.08 13.09 14.85 16.45 18.08 19.79 21.84 24.74 28.55 33.19 38.75 45.24 52.70 62.17 75
61 5.88 9.27 12.05 14.23 16.13 17.79 19.47 21.22 23.38 26.36 30.38 35.35 41.37 48.47 56.80 67.18 76
62 6.18 10.06 13.01 15.40 17.37 19.13 20.87 22.72 25.00 28.11 32.38 37.66 44.19 52.12 61.15 72.54 77
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 78
64 7.87 11.98 15.22 17.75 19.76 21.62 23.51 25.60 28.25 31.77 36.60 42.89 50.74 60.04 70.54 84.26 79
65 8.66 13.04 16.40 18.90 20.98 22.91 24.89 27.18 30.11 33.89 39.20 45.96 54.39 64.36 75.59 90.21 80
66 9.50 14.03 17.48 20.02 22.25 24.31 26.51 29.08 32.34 36.59 42.34 49.66 58.77 69.53 81.70 97.12 81
67 10.40 14.85 18.35 21.11 23.58 25.94 28.45 31.44 35.28 39.90 46.11 53.94 63.63 75.10 88.17 104.47 82
68 11.34 15.53 19.05 22.11 25.00 27.83 30.87 34.56 38.94 43.95 50.63 58.88 69.04 81.08 94.98 112.14 83
69 12.34 16.17 19.69 23.09 26.50 29.99 33.89 38.30 43.28 48.73 55.84 64.45 74.94 87.42 102.08 120.74 84
70 13.38 16.73 20.26 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 85
71 14.35 17.93 21.70 25.68 30.14 34.88 40.02 45.62 51.63 57.92 65.98 75.39 86.76 100.33 116.64 138.39 86
72 15.39 19.2_ 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 87
73 16.45 20.52 24.90 29.57 34.65 40.05 45.__ 52.24 59.05 66.11 75.19 85.75 98.50 113.68 132.63 161.11 88
74 17.30 21.66 26.25 31.17 36.49 42.15 48.26 54.91 62.00 69.37 78.81 89.79 103.04 118.80 142.05 172.47 89
75 17.93 22.43 27.1_ 32.24 37.71 43.54 49.82 56.63 63.90 71.40 81.05 92.26 105.75 123.42 149.35 181.31 90
188.38 91
195.49 92
206.79 93
223.88 94
R-FACTORS 1/1/86 FEMALE SMOKER CHARGER/FT
R-FACTORS 1/1/86 MALE PREFERRED SMOKER CHARGER/FT
[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 0.75 0.47 0.36 0.30 0.27 0.24 0.22 0.20 0.18 0.20 0.22 0.26 0.36 0.48 0.67 15
1 0.78 0.49 0.38 0.31 0.28 0.25 0.23 0.20 0.19 0.18 0.20 0.24 0.33 0.45 0.62 0.80 16
2 0.51 0.40 0.32 0.29 0.26 0.24 0.21 0.19 0.19 0.19 0.22 0.31 0.41 0.58 0.75 0.94 17
3 0.41 0.34 0.30 0.27 0.25 0.22 0.20 0.20 0.20 0.21 0.29 0.39 0.54 0.70 0.87 1.05 18
4 0.35 0.32 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.37 0.51 0.66 0.82 0.98 1.12 19
5 0.33 0.29 0.27 0.24 0.22 0.21 0.21 0.22 0.29 0.35 0.49 0.63 0.78 0.93 1.06 1.14 20
6 0.30 0.27 0.25 0.23 0.22 0.22 0.23 0.30 0.37 0.47 0.60 0.75 0.89 1.01 1.08 0.95 21
7 0.28 0.25 0.23 0.23 0.23 0.24 0.31 0.38 0.49 0.59 0.73 0.86 0.97 1.04 0.96 0.93 22
8 0.26 0.24 0.23 0.23 0.25 0.32 0.39 0.50 0.61 0.71 0.84 0.94 1.01 0.95 0.94 0.91 23
9 0.25 0.24 0.24 0.26 0.33 0.40 0.52 0.63 0.74 0.83 0.93 0.98 0.93 0.93 0.92 0.90 24
10 0.25 0.25 0.26 0.34 0.42 0.54 0.65 0.76 0.86 0.93 0.98 0.92 0.91 0.91 0.91 0.89 25
11 0.25 0.27 0.34 0.42 0.54 0.65 0.77 0.87 0.94 0.96 0.90 0.89 0.89 0.90 0.90 0.88 26
12 0.27 0.34 0.42 0.55 0.66 0.78 0.87 0.95 0.97 0.88 0.88 0.88 0.88 0.89 0.89 0.86 27
13 0.35 0.43 0.55 0.67 0.78 0.88 0.96 0.98 0.87 0.86 0.86 0.87 0.87 0.88 0.86 0.90 28
14 0.43 0.56 0.67 0.79 0.89 0.97 0.99 0.86 0.84 0.84 0.85 0.85 0.86 0.85 0.91 0.93 29
15 0.55 0.67 0.78 0.87 0.94 0.98 0.86 0.84 0.83 0.83 0.84 0.84 0.84 0.89 0.94 0.97 30
16 0.65 0.75 0.81 0.87 0.91 0.83 0.83 0.82 0.81 0.82 0.82 0.82 0.88 0.93 0.98 1.01 31
17 0.71 0.77 0.80 0.83 0.81 0.80 0.81 0.80 0.80 0.80 0.81 0.86 0.91 0.97 1.02 1.03 32
18 0.68 0.73 0.76 0.77 0.79 0.77 0.77 0.77 0.78 0.79 0.80 0.86 0.92 0.99 1.04 1.05 33
19 0.63 0.68 0.71 0.73 0.74 0.72 0.72 0.72 0.74 0.77 0.78 0.86 0.93 1.01 1.06 1.09 34
20 0.56 0.64 0.68 0.69 0.69 0.66 0.68 0.68 0.71 0.75 0.78 0.86 0.93 1.02 1.10 1.15 35
21 0.54 0.61 0.64 0.64 0.64 0.61 0.64 0.65 0.69 0.74 0.78 0.86 0.95 1.05 1.16 1.23 36
22 0.51 0.57 0.61 0.61 0.61 0.60 0.61 0.63 0.68 0.73 0.79 0.87 0.98 1.09 1.23 1.33 37
23 0.49 0.55 0.59 0.59 0.60 0.59 0.61 0.64 0.69 0.75 0.82 0.91 1.03 1.17 1.31 1.45 38
24 0.46 0.52 0.56 0.58 0.59 0.60 0.62 0.66 0.71 0.77 0.87 0.96 1.11 1.27 1.44 1.59 39
25 0.44 0.49 0.55 0.57 0.60 0.61 0.64 0.69 0.74 0.82 0.93 1.05 1.22 1.41 1.58 1.76 40
26 0.42 0.47 0.53 0.56 0.61 0.64 0.67 0.72 0.79 0.88 1.00 1.16 1.34 1.55 1.77 1.96 41
27 0.42 0.46 0.52 0.57 0.62 0.66 0.71 0.77 0.85 0.95 1.10 1.27 1.48 1.73 1.98 2.18 42
28 0.43 0.48 0.53 0.59 0.65 0.70 0.76 0.84 0.93 1.05 1.21 1.40 1.63 1.91 2.19 2.42 43
29 0.45 0.50 0.55 0.62 0.69 0.75 0.83 0.92 1.03 1.18 1.35 1.56 1.81 2.11 2.41 2.70 44
30 0.48 0.53 0.59 0.66 0.74 0.82 0.90 1.02 1.16 1.31 1.51 1.74 2.01 2.32 2.67 3.01 45
31 0.51 0.57 0.63 0.71 0.79 0.89 1.00 1.13 1.29 1.46 1.68 1.93 2.23 2.58 2.96 3.33 46
32 0.53 0.60 0.68 0.76 0.86 0.97 1.10 1.25 1.43 1.63 1.87 2.15 2.48 2.87 3.29 3.71 47
33 0.54 0.63 0.72 0.82 0.94 1.07 1.22 1.38 1.58 1.80 2.07 2.38 2.76 3.20 3.67 4.14 48
34 0.55 0.65 0.76 0.88 1.03 1.17 1.34 1.53 1.74 1.97 2.28 2.64 3.07 3.57 4.10 4.66 49
35 0.55 0.68 0.81 0.96 1.12 1.29 1.47 1.68 1.91 2.15 2.51 2.91 3.40 3.97 4.59 5.23 50
36 0.57 0.73 0.89 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 51
37 0.61 0.79 0.97 1.18 1.39 1.60 1.83 2.09 2.37 2.66 3.08 3.58 4.20 4.92 5.68 6.36 52
38 0.66 0.87 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 53
39 0.73 0.98 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 54
40 0.81 1.10 1.39 1.67 1.94 2.23 2.53 2.87 3.23 3.63 4.16 4.77 5.54 6.48 7.59 8.48 55
41 0.90 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 56
42 0.98 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 57
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 58
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 59
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 60
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 61
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 62
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 63
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 64
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 65
51 1.85 2.82 3.70 4.53 5.35 6.12 6.87 7.65 8.45 9.37 10.91 12.87 15.31 18.25 21.71 25.06 66
52 1.97 3.04 4.00 4.90 5.76 6.60 7.42 8.23 9.08 10.09 11.79 13.94 16.64 19.90 23.75 27.52 67
53 2.09 3.27 4.30 5.25 6.16 7.03 7.86 8.74 9.70 10.79 12.68 15.06 18.02 21.59 25.87 30.07 68
54 2.22 3.49 4.60 5.59 6.54 7.40 8.26 9.21 10.28 11.49 13.58 16.22 19.45 23.35 28.02 32.57 69
55 2.36 3.74 4.93 5.96 6.91 7.77 8.67 9.67 10.87 12.20 14.52 17.44 20.97 25.20 30.32 35.19 70
56 2.53 4.02 5.29 6.36 7.32 8.19 9.13 10.19 11.47 12.94 15.47 18.64 22.43 26.96 32.49 37.84 71
57 2.73 4.34 5.70 6.81 7.78 8.70 9.68 10.78 12.09 13.73 16.48 19.90 23.99 28.88 34.82 40.79 72
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 73
59 3.25 5.17 6.76 8.02 9.08 10.11 11.17 12.30 13.62 15.50 18.65 22.60 27.39 33.18 40.16 47.10 74
60 3.55 5.66 7.38 8.73 9.90 10.97 12.05 13.20 14.56 16.49 19.84 24.04 29.24 35.54 43.12 50.87 75
61 3.92 6.18 8.03 9.49 10.75 11.86 12.98 14.15 15.58 17.58 21.11 25.60 31.21 38.08 46.47 54.97 76
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 77
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 78
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 79
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 80
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 81
67 6.93 9.90 12.23 14.07 15.72 17.29 18.97 20.96 23.52 26.60 32.04 39.06 48.00 59.01 72.14 85.47 82
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 83
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 84
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 85
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 78.83 95.43 113.22 86
72 10.26 12.80 15.47 18.40 21.56 24.95 28.60 32.58 36.85 41.31 49.00 58.30 69.82 84.02 101.61 120.43 87
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 88
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 89
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 90
150.70 91
156.40 92
165.42 93
179.10 94
[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 0.75 0.47 0.36 0.30 0.27 0.24 0.22 0.20 0.1_ 0.20 0.22 0.26 0.36 0.48 0.67 15
1 0.78 0.49 0.38 0.31 0.28 0.25 0.23 0.20 0.19 0.__ 0.20 0.24 0.33 0.45 0.62 0.80 16
2 0.51 0.40 0.32 0.29 0.26 0.24 0.21 0.19 0.19 0.1_ 0.22 0.31 0.41 0.58 0.75 0.94 17
3 0.41 0.34 0.30 0.27 0.25 0.22 0.20 0.20 0.20 0.21 0.29 0.39 0.54 0.70 0.87 1.05 18
4 0.35 0.32 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.37 0.51 0.66 0.82 0.98 1.12 19
5 0.33 0.2_ 0.27 0.24 0.22 0.21 0.21 0.22 0.29 0.35 0.49 0.63 0.78 0.93 1.06 1.14 20
6 0.30 0.27 0.25 0.23 0.22 0.22 0.23 0.30 0.37 0.47 0.60 0.75 0.89 1.01 1.08 0.58 21
7 0.28 0.25 0.23 0.23 0.23 0.24 0.31 0.38 0.49 0.59 0.73 0.86 0.97 1.04 0.60 0.57 22
8 0.26 0.24 0.23 0.23 0.25 0.32 0.39 0.50 0.61 0.71 0.84 0.94 1.01 0.61 0.58 0.56 23
9 0.25 0.24 0.24 0.26 0.33 0.40 0.52 0.63 0.74 0.83 0.93 0.98 0.62 0.59 0.57 0.55 24
10 0.25 0.25 0.26 0.34 0.42 0.54 0.65 0.76 0.86 0.93 0.98 0.64 0.61 0.58 0.57 0.54 25
11 0.25 0.27 0.34 0.42 0.54 0.65 0.77 0.87 0.94 0.96 0.66 0.63 0.60 0.58 0.56 0.54 26
12 0.27 0.34 0.42 0.55 0.66 0.78 0.87 0.95 0.97 0.68 0.64 0.61 0.59 0.57 0.55 0.52 27
13 0.35 0.43 0.55 0.67 0.78 0.8_ 0.96 0.93 0.70 0.66 0.63 0.61 0.58 0.56 0.54 0.55 28
14 0.43 0.56 0.67 0.79 0.89 0.97 0.99 0.72 0.69 0.65 0.63 0.60 0.57 0.54 0.56 0.57 29
15 0.55 0.67 0.78 0.87 0.94 0.98 0.74 0.70 0.67 0.64 0.61 0.59 0.56 0.57 0.58 0.59 30
16 0.65 0.75 0.81 0.87 0.91 0.73 0.72 0.69 0.66 0.64 0.60 0.58 0.58 0.59 0.61 0.62 31
17 0.71 0.77 0.80 0.83 0.73 0.71 0.69 0.67 0.65 0.62 0.59 0.60 0.61 0.62 0.63 0.63 32
18 0.68 0.73 0.76 0.70 0.71 0.67 0.66 0.64 0.63 0.61 0.59 0.60 0.62 0.63 0.64 0.64 33
19 0.63 0.68 0.66 0.67 0.66 0.63 0.62 0.61 0.60 0.59 0.57 0.60 0.62 0.64 0.66 0.67 34
20 0.56 0.61 0.63 0.63 0.61 0.58 0.58 0.57 0.58 0.58 0.57 0.60 0.62 0.65 0.69 0.70 35
21 0.52 0.57 0.59 0.59 0.57 0.53 0.54 0.54 0.56 0.57 0.57 0.60 0.63 0.67 0.72 0.75 36
22 0.48 0.53 0.56 0.55 0.53 0.51 0.51 0.52 0.53 0.55 0.57 0.60 0.64 0.69 0.75 0.80 37
23 0.45 0.50 0.53 0.52 0.51 0.49 0.50 0.50 0.52 0.55 0.57 0.61 0.67 0.73 0.79 0.86 38
24 0.42 0.46 0.49 0.50 0.49 0.48 0.48 0.50 0.52 0.56 0.60 0.64 0.70 0.78 0.85 0.94 39
25 0.39 0.43 0.47 0.48 0.48 0.48 0.48 0.50 0.53 0.58 0.63 0.68 0.77 0.85 0.93 1.02 40
26 0.37 0.41 0.44 0.46 0.47 0.48 0.49 0.52 0.55 0.61 0.67 0.75 0.83 0.93 1.03 1.12 41
27 0.36 0.39 0.42 0.44 0.47 0.49 0.51 0.54 0.59 0.65 0.73 0.81 0.91 1.02 1.13 1.24 42
28 0.36 0.39 0.41 0.44 0.48 0.50 0.53 0.59 0.64 0.71 0.79 0.88 0.99 1.12 1.24 1.37 43
29 0.36 0.39 0.42 0.45 0.49 0.53 0.58 0.63 0.70 0.79 0.87 0.97 1.03 1.22 1.36 1.50 44
30 0.37 0.40 0.44 0.47 0.52 0.57 0.62 0.69 0.77 0.87 0.96 1.07 1.19 1.34 1.49 1.67 45
31 0.38 0.42 0.45 0.50 0.55 0.61 0.68 0.75 0.85 0.95 1.06 1.17 1.31 1.47 1.64 1.86 46
32 0.39 0.43 0.48 0.53 0.59 0.66 0.74 0.83 0.93 1.05 1.16 1.30 1.44 1.63 1.83 2.07 47
33 0.39 0.44 0.50 0.56 0.64 0.71 0.81 0.90 1.01 1.15 1.28 1.42 1.60 1.82 2.05 2.33 48
34 0.38 0.46 0.52 0.60 0.69 0.78 0.87 0.98 1.11 1.25 1.39 1.57 1.79 2.04 2.30 2.63 49
35 0.39 0.47 0.55 0.64 0.74 0.84 0.95 1.07 1.21 1.35 1.53 1.74 1.99 2.28 2.58 2.97 50
36 0.39 0.49 0.59 0.70 0.81 0.92 1.05 1.19 1.33 1.49 1.70 1.93 2.22 2.56 2.90 3.32 51
37 0.41 0.53 0.64 0.77 0.90 1.02 1.16 1.31 1.48 1.67 1.89 2.15 2.48 2.85 3.25 3.68 52
38 0.44 0.57 0.71 0.85 1.00 1.13 1.28 1.46 1.65 1.86 2.10 2.39 2.74 3.16 3.64 4.09 53
39 0.48 0.64 0.79 0.95 1.10 1.25 1.42 1.62 1.84 2.07 2.33 2.64 3.03 3.51 4.05 4.55 54
40 0.53 0.71 0.89 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 55
41 0.58 0.78 0.99 1.17 1.35 1.54 1.75 2.00 2.27 2.55 2.87 3.27 3.74 4.35 5.08 5.87 56
42 0.63 0.86 1.08 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 57
43 0.68 0.93 1.18 1.42 1.65 1.88 2.13 2.41 2.73 3.12 3.55 4.08 4.72 5.51 6.48 7.63 58
44 0.73 1.01 1.29 1.55 1.80 2.05 2.32 2.63 2.98 3.42 3.95 4.58 5.32 6.22 7.29 8.67 59
45 0.78 1.10 1.40 1.70 1.96 2.24 2.54 2.87 3.24 3.76 4.39 5.13 6.00 7.01 8.25 9.77 60
46 0.85 1.__ 1.52 1.86 2.16 2.46 2.79 3.15 3.56 4.15 4.87 5.71 6.70 7.86 9.22 10.84 61
47 0.91 1.29 1.66 2.03 2.39 2.73 3.08 3.48 3.98 4.60 5.41 6.34 7.48 8.79 10.29 12.04 62
48 0.97 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 63
49 1.04 1.53 2.01 2.49 2.96 3.41 3.87 4.39 5.02 5.70 6.66 7.83 9.24 10.89 12.83 15.03 64
50 1.12 1.68 2.22 2.75 3.29 3.81 4.35 4.93 5.59 6.35 7.38 8.65 10.22 12.09 14.29 16.77 65
51 1.19 1.84 2.44 3.03 3.63 4.24 4.84 5.48 6.20 7.04 8.16 9.58 11.35 13.51 16.04 18.92 66
52 1.28 2.01 2.67 3.33 3.99 4.65 5.31 6.04 6.82 7.73 8.99 10.59 12.60 15.04 17.93 21.23 67
53 1.38 2.18 2.92 3.63 4.34 5.04 5.77 6.56 7.43 8.44 9.86 11.67 13.93 16.67 19.96 23.73 68
54 1.48 2.37 3.18 3.94 4.6_ 5.43 6.20 7.06 8.04 9.17 10.79 12.84 15.37 18.43 22.12 26.31 69
55 1.60 2.59 3.47 4.27 5.07 5.84 6.65 7.56 8.67 9.94 11.78 14.10 16.93 20.34 24.49 29.09 70
56 1.75 2.83 3.79 4.66 5.49 6.28 7.14 8.12 9.34 10.76 12.82 15.41 18.53 22.27 26.86 32.04 71
57 1.92 3.11 4.18 5.12 5.96 6.80 7.72 8.78 10.05 11.66 13.96 16.83 20.28 24.42 29.42 35.41 72
58 2.13 3.47 4.64 5.65 6.54 7.45 8.44 9.55 10.86 12.65 15.19 18.36 22.19 26.80 32.47 39.02 73
59 2.38 3.88 5.18 6.26 7.24 8.23 9.28 10.44 11.82 13.76 16.53 20.01 24.27 29.46 35.75 43.03 74
60 2.67 4.34 5.77 6.96 8.06 9.12 10.24 11.45 12.93 14.99 18.00 21.81 26.56 32.36 39.40 47.41 75
61 3.00 4.83 6.41 7.72 8.94 10.07 11.27 12.56 14.16 16.35 19.62 23.81 29.08 35.58 43.32 52.28 76
62 3.38 5.35 7.06 8.53 9.83 11.07 12.35 13.76 15.50 17.86 21.44 26.02 31.87 39.04 47.60 57.64 77
63 3.80 5.94 7.79 9.38 10.75 12.07 13.45 14.99 16.90 19.48 23.38 28.43 34.86 42.79 52.24 63.55 78
64 4.27 6.64 8.61 10.27 11.70 13.09 14.58 16.26 18.40 21.22 25.50 31.01 38.11 46.86 57.26 69.89 79
65 4.80 7.38 9.4_ 11.19 12.71 14.21 15.81 17.70 20.10 23.23 27.87 33.92 41.70 51.32 62.71 76.50 80
66 5.38 8.12 10.35 12.13 13.79 15.44 17.26 19.42 22.16 25.50 30.72 37.43 46.03 56.64 69.29 84.25 81
67 6.02 8.79 11.11 13.09 14.98 16.89 19.00 21.54 24.66 28.47 34.16 41.52 50.93 62.55 76.49 92.75 82
68 6.71 9.40 11.81 14.05 16.28 18.58 21.15 24.16 27.78 32.02 38.31 46.31 56.49 69.08 84.32 101.94 83
69 7.47 10.03 12.50 15.03 17.70 20.55 23.69 27.33 31.53 36.26 43.18 51.83 62.73 76.22 92.80 112.46 84
70 8.30 10.62 13.19 16.03 19.23 22.72 26.62 31.01 35.87 41.14 48.76 58.03 69.61 83.98 101.95 124.13 85
71 9.11 11.68 14.49 17.60 21.07 24.09 29.16 33.95 39.26 45.02 53.35 63.46 76.10 91.78 111.38 135.56 86
72 10.02 12.82 15.91 19.29 23.08 27.26 31.92 37.16 42.97 49.27 58.36 69.40 83.19 100.29 121.66 148.03 87
73 10.22 14.06 17.41 21.10 25.24 22.80 34.89 40.61 46.95 53.81 63.72 75.74 90.76 109.38 132.63 161.11 88
74 11.85 15.14 18.73 22.70 27.15 32.05 37.52 43.66 50.46 57.80 68.43 81.31 97.40 117.34 142.05 172.47 89
75 12.54 16.00 19.80 23.99 28.68 33.84 39.61 46.09 53.24 60.97 72.15 85.70 102.61 123.42 149.35 181.31 90
188.38 91
195.49 92
206.79 93
223.88 94
R-FACTORS 1/1/86 MALE SMOKER CHARGER/FT
[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 0.75 0.47 0.36 0.30 0.27 0.24 0.22 0.20 0.__ 0.20 0.22 0.26 0.36 0.48 0.67 15
1 0.78 0.49 0.3_ 0.31 0.28 0.25 0.23 0.20 0.19 0.__ 0.20 0.24 0.33 0.45 0.62 0.80 16
2 0.51 0.40 0.32 0.22 0.26 0.24 0.21 0.19 0.19 0.19 0.22 0.31 0.41 0.58 0.75 0.94 17
3 0.41 1.34 0.30 0.27 0.25 0.22 0.20 0.20 0.20 0.21 0.29 0.39 0.54 0.70 0.87 1.05 18
4 0.35 0.32 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.37 0.51 0.66 0.82 0.98 1.12 19
5 0.33 0.29 0.27 0.24 0.22 0.21 0.21 0.22 0.29 0.35 0.49 0.63 0.78 0.93 1.06 1.14 20
6 0.30 0.27 0.25 0.23 0.22 0.22 0.23 0.30 0.37 0.47 0.60 0.75 0.89 1.01 1.08 0.46 21
7 0.28 0.25 0.23 0.23 0.23 0.24 0.31 0.38 0.49 0.59 0.73 0.86 0.97 1.04 0.48 0.45 22
8 0.26 0.24 0.23 0.23 0.25 0.32 0.39 0.50 0.61 0.71 0.84 0.94 1.01 0.48 0.47 0.44 23
9 0.25 0.24 0.24 0.26 0.33 0.40 0.52 0.63 0.74 0.83 0.93 0.98 0.48 0.46 0.46 0.44 24
10 0.25 0.25 0.26 0.34 0.42 0.54 0.65 0.76 0.86 0.93 0.98 0.48 0.47 0.46 0.45 0.43 25
11 0.25 0.27 0.34 0.42 0.54 0.65 0.77 0.87 0.94 0.96 0.49 0.47 0.46 0.45 0.45 0.43 26
12 0.27 0.34 0.42 0.55 0.66 0.78 0.87 0.95 0.97 0.49 0.47 0.46 0.45 0.44 0.44 0.42 27
13 0.35 0.43 0.55 0.67 0.78 0.88 0.96 0.98 0.51 0.48 0.46 0.46 0.45 0.44 0.43 0.44 28
14 0.43 0.56 0.67 0.79 0.89 0.97 0.99 0.52 0.49 0.47 0.46 0.45 0.44 0.43 0.45 0.45 29
15 0.55 0.67 0.78 0.87 0.94 0.98 0.53 0.50 0.48 0.46 0.45 0.45 0.43 0.45 0.47 0.47 30
16 0.65 0.75 0.81 0.87 0.91 0.53 0.52 0.49 0.48 0.46 0.44 0.43 0.45 0.46 0.49 0.49 31
17 0.71 0.77 0.80 0.83 0.52 0.51 0.50 0.48 0.47 0.45 0.44 0.45 0.47 0.48 0.51 0.50 32
18 0.68 0.73 0.76 0.50 0.51 0.49 0.47 0.46 0.45 0.44 0.43 0.45 0.47 0.50 0.52 0.51 33
19 0.63 0.68 0.48 0.48 0.48 0.45 0.45 0.44 0.43 0.43 0.42 0.45 0.48 0.50 0.53 0.53 34
20 0.56 0.44 0.45 0.45 0.44 0.42 0.42 0.41 0.41 0.42 0.42 0.45 0.48 0.51 0.55 0.56 35
21 0.37 0.41 0.43 0.42 0.41 0.38 0.39 0.39 0.40 0.41 0.42 0.45 0.49 0.52 0.58 0.60 36
22 0.34 0.38 0.40 0.40 0.38 0.37 0.37 0.37 0.38 0.40 0.42 0.45 0.49 0.54 0.60 0.64 37
23 0.32 0.36 0.38 0.37 0.37 0.36 0.36 0.36 0.37 0.40 0.42 0.46 0.51 0.57 0.63 0.69 38
24 0.30 0.33 0.36 0.36 0.36 0.35 0.35 0.36 0.38 0.40 0.44 0.48 0.54 0.61 0.68 0.75 39
25 0.28 0.31 0.34 0.34 0.35 0.34 0.35 0.36 0.38 0.42 0.47 0.51 0.59 0.67 0.74 0.82 40
26 0.27 0.29 0.32 0.33 0.34 0.34 0.36 0.37 0.40 0.44 0.49 0.56 0.64 0.73 0.82 0.90 41
27 0.26 0.28 0.30 0.32 0.34 0.35 0.37 0.39 0.43 0.47 0.54 0.61 0.70 0.80 0.91 0.99 42
28 0.26 0.28 0.30 0.32 0.34 0.36 0.39 0.42 0.46 0.51 0.58 0.66 0.76 0.88 0.99 1.09 43
29 0.26 0.28 0.30 0.33 0.35 0.38 0.42 0.45 0.50 0.57 0.64 0.73 0.83 0.96 1.09 1.20 44
30 0.27 0.29 0.32 0.34 0.37 0.41 0.44 0.50 0.56 0.62 0.71 0.80 0.91 1.05 1.19 1.34 45
31 0.27 0.30 0.33 0.36 0.40 0.44 0.49 0.54 0.61 0.69 0.78 0.88 1.01 1.15 1.31 1.49 46
32 0.28 0.31 0.34 0.38 0.42 0.48 0.53 0.59 0.67 0.75 0.86 0.98 1.11 1.27 1.47 1.66 47
33 0.28 0.32 0.36 0.40 0.46 0.51 0.58 0.65 0.73 0.82 0.94 1.07 1.23 1.43 1.64 1.86 48
34 0.28 0.33 0.37 0.43 0.49 0.56 0.63 0.71 0.80 0.90 1.03 1.18 1.37 1.60 1.84 2.10 49
35 0.28 0.34 0.40 0.46 0.53 0.60 0.68 0.77 0.87 0.97 1.12 1.31 1.53 1.79 2.07 2.37 50
36 0.28 0.35 0.43 0.50 0.58 0.66 0.76 0.85 0.96 1.08 1.25 1.45 1.71 2.00 2.32 2.65 51
37 0.30 0.38 0.46 0.55 0.64 0.74 0.84 0.94 1.06 1.20 1.39 1.62 1.90 2.24 2.60 2.95 52
38 0.32 0.41 0.51 0.61 0.72 0.82 0.92 1.05 1.19 1.34 1.55 1.80 2.11 2.48 2.91 3.27 53
39 0.35 0.46 0.57 0.68 0.79 0.90 1.03 1.17 1.32 1.49 1.72 1.99 2.33 2.75 3.24 3.64 54
40 0.38 0.51 0.64 0.76 0.88 1.00 1.14 1.30 1.47 1.66 1.90 2.20 2.58 3.04 3.60 4.10 55
41 0.42 0.56 0.71 0.84 0.97 1.11 1.26 1.44 1.63 1.84 2.11 2.46 2.88 3.41 4.07 4.69 56
42 0.45 0.62 0.78 0.93 1.08 1.23 1.40 1.59 1.80 2.03 2.36 2.74 3.22 3.83 4.59 5.37 57
43 0.49 0.67 0.85 1.02 1.19 1.35 1.53 1.74 1.97 2.25 2.62 3.07 3.63 4.32 5.18 6.11 58
44 0.52 0.73 0.93 1.12 1.29 1.48 1.67 1.89 2.14 2.46 2.90 3.44 4.09 4.87 5.83 6.93 59
45 0.56 0.79 1.01 1.22 1.41 1.61 1.83 2.07 2.33 2.71 3.23 3.86 4.61 5.49 6.60 7.81 60
46 0.61 0.85 1.10 1.34 1.55 1.77 2.01 2.27 2.57 2.99 3.58 4.30 5.14 6.16 7.38 8.67 61
47 0.66 0.93 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 62
48 0.70 1.01 1.32 1.61 1.92 2.19 2.48 2.81 3.22 3.69 4.41 5.31 6.40 7.68 9.20 10.75 63
49 0.75 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 64
50 0.80 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 65
51 0.86 1.32 1.76 2.18 2.62 3.05 3.48 3.95 4.47 5.07 6.00 7.20 8.72 10.59 12.83 15.13 66
52 0.92 1.44 1.93 2.40 2.87 3.35 3.83 4.35 4.91 5.57 6.61 7.96 9.68 11.79 14.34 16.98 67
53 0.99 1.57 2.11 2.61 3.12 3.63 4.16 4.72 5.35 6.07 7.26 8.78 10.70 13.07 15.97 18.98 68
54 1.07 1.71 2.29 2.84 3.38 3.91 4.47 5.08 5.79 6.60 7.94 9.66 11.80 14.45 17.69 21.04 69
55 1.15 1.86 2.50 3.08 3.65 4.20 4.78 5.44 6.24 7.15 8.67 10.61 13.00 15.95 19.59 23.27 70
56 1.26 2.04 2.73 3.36 6.96 4.52 5.14 5.85 6.72 7.74 9.44 11.59 14.23 17.46 21.49 25.63 71
57 1.38 2.24 3.01 3.68 4.29 4.89 5.56 6.32 7.23 8.39 10.27 12.66 15.57 19.15 23.59 28.33 72
58 1.53 2.50 3.34 4.07 4.71 5.36 6.08 6.87 7.82 9.11 11.18 13.81 17.05 21.01 25.97 31.21 73
59 1.71 2.79 3.73 4.51 5.22 5.93 6.68 7.52 8.51 9.91 12.17 15.05 18.64 23.09 28.60 34.42 74
60 1.92 3.12 4.16 5.01 5.80 6.56 7.37 8.25 9.31 10.79 13.25 16.40 20.40 25.37 31.52 37.93 75
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 76
62 2.43 3.85 5.08 6.14 7.08 7.97 8.89 9.91 11.16 12.86 15.78 19.57 24.48 30.61 38.03 46.11 77
63 2.73 4.28 5.61 6.75 7.74 8.69 9.68 10.79 12.17 14.02 17.21 21.38 26.77 33.55 41.80 50.84 78
64 3.08 4.78 6.20 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 79
65 3.46 5.31 6.83 8.06 9.15 10.23 11.38 12.74 14.48 16.72 20.51 25.51 32.03 40.23 50.16 61.20 80
66 3.87 5.85 7.45 8.73 9.93 11.12 12.43 13.98 15.96 18.42 22.61 28.15 35.35 44.41 55.43 67.40 81
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 82
68 4.83 6.77 8.50 10.11 11.72 13.38 15.23 17.40 20.00 23.05 28.20 34.83 43.39 54.16 67.46 81.55 83
69 5.38 7.22 9.00 10.82 12.74 14.80 17.06 19.67 22.70 26.10 31.78 38.97 48.18 59.76 74.24 89.97 84
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 53.46 65.84 81.56 99.31 85
71 6.56 8.41 10.43 12.67 15.17 17.92 20.99 24.44 28.26 32.42 39.27 47.73 58.44 71.95 89.10 108.46 86
72 7.21 9.23 11.45 13.89 16.61 19.63 22.98 26.75 30.94 35.47 42.95 52.18 63.89 78.63 97.32 118.41 87
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 88
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 74.80 92.00 113.63 137.98 89
75 9.03 11.52 14.25 17.27 20.65 24.37 28.52 33.18 38.34 43.90 53.10 64.45 78.80 96.76 119.47 145.05 90
150.70 91
156.40 92
165.42 93
179.10 94
R-FACTORS 1/1/86 MALE NONSMOKER CHARGER/FT
[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 0.53 0.34 0.26 0.21 0.19 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 15
1 0.53 0.34 0.26 0.21 0.19 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 16
2 0.31 0.26 0.21 0.19 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 17
3 0.26 0.21 0.19 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 18
4 0.21 0.19 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 19
5 0.19 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 20
6 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.43 21
7 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.44 0.42 22
8 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.45 0.43 0.41 23
9 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.45 0.43 0.42 0.41 24
10 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.46 0.44 0.43 0.42 0.40 25
11 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.47 0.45 0.43 0.42 0.41 0.40 26
12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.49 0.46 0.44 0.43 0.41 0.41 0.39 27
13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.50 0.47 0.45 0.44 0.42 0.41 0.39 0.41 28
14 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.51 0.48 0.46 0.45 0.43 0.42 0.40 0.41 0.42 29
15 0.26 0.32 0.37 0.42 0.45 0.47 0.51 0.49 0.47 0.46 0.44 0.43 0.41 0.42 0.43 0.44 30
16 0.33 0.38 0.41 0.44 0.46 0.51 0.50 0.48 0.47 0.45 0.43 0.41 0.43 0.43 0.45 0.46 31
17 0.38 0.41 0.43 0.45 0.51 0.50 0.48 0.47 0.46 0.44 0.42 0.43 0.44 0.45 0.47 0.47 32
18 0.39 0.42 0.43 0.49 0.49 0.47 0.46 0.45 0.44 0.43 0.42 0.43 0.45 0.46 0.47 0.48 33
19 0.38 0.41 0.46 0.46 0.46 0.44 0.43 0.43 0.42 0.42 0.41 0.43 0.45 0.47 0.48 0.50 34
20 0.36 0.42 0.44 0.43 0.43 0.41 0.41 0.40 0.41 0.41 0.41 0.43 0.45 0.48 0.50 0.52 35
21 0.36 0.40 0.41 0.41 0.40 0.37 0.38 0.38 0.39 0.41 0.41 0.43 0.46 0.49 0.53 0.56 36
22 0.34 0.38 0.40 0.40 0.39 0.37 0.37 0.38 0.39 0.41 0.42 0.44 0.48 0.52 0.56 0.61 37
23 0.34 0.37 0.40 0.39 0.38 0.37 0.38 0.38 0.39 0.42 0.44 0.46 0.51 0.56 0.61 0.66 38
24 0.32 0.36 0.38 0.39 0.39 0.38 0.38 0.39 0.41 0.44 0.47 0.50 0.55 0.61 0.67 0.73 39
25 0.31 0.34 0.37 0.38 0.39 0.39 0.39 0.41 0.43 0.47 0.51 0.55 0.62 0.68 0.74 0.80 40
26 0.30 0.33 0.36 0.38 0.39 0.40 0.41 0.43 0.46 0.51 0.56 0.62 0.68 0.75 0.82 0.88 41
27 0.30 0.33 0.36 0.38 0.40 0.42 0.44 0.47 0.51 0.56 0.62 0.68 0.75 0.84 0.91 0.97 42
28 0.31 0.34 0.36 0.39 0.42 0.45 0.47 0.52 0.57 0.63 0.69 0.76 0.83 0.92 1.00 1.07 43
29 0.33 0.35 0.38 0.41 0.45 0.48 0.52 0.58 0.64 0.72 0.78 0.85 0.93 1.02 1.10 1.18 44
30 0.34 0.37 0.41 0.44 0.48 0.53 0.58 0.65 0.72 0.81 0.88 0.95 1.03 1.12 1.21 1.31 45
31 0.35 0.39 0.42 0.47 0.51 0.57 0.63 0.70 0.80 0.89 0.97 1.04 1.13 1.23 1.33 1.45 46
32 0.36 0.40 0.45 0.49 0.55 0.62 0.69 0.77 0.87 0.98 1.06 1.15 1.24 1.36 1.48 1.62 47
33 0.36 0.41 0.46 0.52 0.59 0.67 0.75 0.84 0.95 1.07 1.16 1.26 1.38 1.51 1.65 1.81 48
34 0.35 0.42 0.48 0.56 0.64 0.72 0.82 0.92 1.03 1.16 1.26 1.38 1.53 1.69 1.85 2.04 49
35 0.36 0.43 0.51 0.60 0.69 0.78 0.88 0.99 1.12 1.26 1.38 1.52 1.69 1.88 2.07 2.30 50
36 0.35 0.44 0.53 0.63 0.73 0.83 0.95 1.07 1.20 1.34 1.48 1.64 1.84 2.06 2.27 2.53 51
37 0.36 0.46 0.56 0.67 0.78 0.89 1.01 1.14 1.28 1.44 1.60 1.78 1.99 2.24 2.49 2.75 52
38 0.37 0.48 0.60 0.72 0.84 0.96 1.08 1.23 1.38 1.55 1.72 1.91 2.15 2.43 2.73 3.01 53
39 0.39 0.52 0.65 0.77 0.90 1.02 1.16 1.31 1.49 1.67 1.84 2.05 2.31 2.63 2.98 3.29 54
40 0.42 0.56 0.70 0.83 0.96 1.09 1.24 1.41 1.59 1.79 1.98 2.20 2.49 2.84 3.24 3.63 55
41 0.45 0.61 0.76 0.90 1.04 1.18 1.34 1.52 1.73 1.94 2.15 2.40 2.71 3.09 3.56 4.04 56
42 0.48 0.65 0.82 0.98 1.13 1.28 1.45 1.65 1.87 2.11 2.35 2.63 2.96 3.39 3.90 4.48 57
43 0.50 0.69 0.88 1.05 1.21 1.38 1.56 1.77 2.00 2.29 2.56 2.87 3.25 3.72 4.28 4.94 58
44 0.53 0.73 0.93 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 59
45 0.56 0.78 0.99 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 60
46 0.59 0.82 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 61
47 0.62 0.88 1.13 1.38 1.62 1.85 2.09 2.37 2.71 3.14 3.62 4.17 4.82 5.54 6.35 7.26 62
48 0.65 0.93 1.21 1.49 1.77 2.02 2.29 2.60 2.99 3.44 3.96 4.58 5.31 6.12 7.06 8.10 63
49 0.68 1.00 1.30 1.61 1.93 2.22 2.53 2.87 3.29 3.75 4.32 5.00 5.82 6.76 7.84 9.06 64
50 0.71 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 65
51 0.76 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 66
52 0.81 1.28 1.71 2.13 2.55 2.99 3.42 3.89 4.39 4.98 5.70 6.60 7.74 9.10 10.70 12.48 67
53 0.88 1.39 1.87 2.32 2.79 3.24 3.72 4.22 4.78 5.43 6.23 7.24 8.50 10.01 11.78 13.78 68
54 0.95 1.52 2.04 2.53 3.02 3.49 3.99 4.54 5.17 5.89 6.80 7.94 9.32 10.97 12.92 15.09 69
55 1.02 1.66 2.23 2.75 3.27 3.76 4.28 4.87 5.58 6.39 7.41 8.68 10.20 12.01 14.16 16.47 70
56 1.12 1.82 2.44 3.00 3.54 4.04 4.59 5.22 6.00 6.92 8.06 9.48 11.16 13.14 15.51 18.12 71
57 1.23 2.00 2.69 3.29 3.84 4.37 4.97 5.64 6.46 7.50 8.78 10.36 12.22 14.39 17.01 19.97 72
58 1.37 2.23 2.99 3.63 4.21 4.79 5.42 6.14 6.98 8.13 9.55 11.30 13.35 15.78 18.68 21.94 73
59 1.53 2.50 3.33 4.03 4.66 5.29 5.97 6.72 7.60 8.84 10.39 12.30 14.59 17.29 20.51 24.11 74
60 1.72 2.79 3.71 4.48 5.18 5.86 6.58 7.36 8.31 9.63 11.30 13.38 15.92 18.95 22.52 26.48 75
61 1.93 3.11 4.12 4.96 5.75 6.48 7.24 8.07 9.10 10.49 12.35 14.68 17.57 21.06 25.13 29.74 76
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 77
63 2.44 3.82 5.01 6.03 6.91 7.76 8.64 9.62 10.83 12.45 14.74 17.67 21.37 25.89 31.18 37.44 78
64 2.75 4.27 5.54 6.60 7.52 8.41 9.36 10.42 11.76 13.52 16.08 19.35 23.53 28.64 34.65 41.88 79
65 3.09 4.75 6.10 7.19 8.16 9.12 10.13 11.31 12.82 14.75 17.57 21.24 25.93 31.69 38.46 46.60 80
66 3.46 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 81
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 39.80 48.72 59.13 82
68 4.32 6.04 7.58 9.00 10.41 11.84 13.43 15.29 17.52 20.12 24.26 29.53 36.25 44.55 54.66 66.39 83
69 4.80 6.43 8.01 9.61 11.28 13.05 14.99 17.24 19.81 22.69 27.38 33.23 40.63 49.82 61.18 74.71 84
70 5.32 6.81 8.43 10.22 12.21 14.38 16.79 19.48 22.45 25.65 30.95 37.40 45.50 55.61 68.30 84.08 85
71 5.84 7.46 9.24 11.18 13.33 15.69 18.32 21.25 24.48 27.97 33.96 41.29 50.50 62.01 76.51 94.58 86
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 87
73 7.00 8.93 11.02 13.31 15.86 18.65 21.76 25.23 29.05 33.16 40.81 50.19 62.03 76.88 95.65 119.05 88
74 7.53 9.58 11.81 14.26 17.00 19.99 23.31 27.01 31.10 35.49 43.96 54.38 67.55 84.09 104.97 131.09 89
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 90
146.93 91
152.29 92
161.00 93
174.21 94
[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 0.53 0.34 0.26 0.21 0.19 0.17 0.16 0.14 0.1_ 0.12 0.12 0.13 0.17 0.21 0.27 15
1 0.53 0.34 0.26 0.21 0.19 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 16
2 0.34 0.26 0.21 0.19 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 17
3 0.26 0.21 0.19 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 18
4 0.21 0.19 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 19
5 0.19 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 20
6 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.87 21
7 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.87 0.85 22
8 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.89 0.85 0.83 23
9 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.90 0.86 0.83 0.83 24
10 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.91 0.88 0.85 0.82 0.81 25
11 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.92 0.89 0.86 0.84 0.81 0.80 26
12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.93 0.90 0.87 0.85 0.82 0.80 0.78 27
13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.92 0.91 0.88 0.87 0.84 0.82 0.78 0.82 28
14 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.91 0.89 0.89 0.88 0.85 0.83 0.79 0.82 0.85 29
15 0.26 0.32 0.37 0.42 0.45 0.47 0.90 0.88 0.88 0.88 0.86 0.84 0.81 0.83 0.85 0.89 30
16 0.33 0.38 0.41 0.44 0.46 0.88 0.88 0.87 0.86 0.87 0.84 0.82 0.85 0.86 0.88 0.92 31
17 0.38 0.41 0.43 0.45 0.85 0.85 0.84 0.84 0.85 0.85 0.83 0.86 0.88 0.90 0.92 0.94 32
18 0.39 0.42 0.43 0.80 0.83 0.81 0.81 0.81 0.82 0.84 0.82 0.86 0.89 0.92 0.94 0.96 33
19 0.38 0.41 0.74 0.76 0.77 0.75 0.76 0.77 0.78 0.81 0.80 0.86 0.90 0.94 0.96 1.00 34
20 0.36 0.67 0.71 0.72 0.72 0.69 0.71 0.72 0.75 0.79 0.80 0.86 0.90 0.95 1.00 1.05 35
21 0.57 0.64 0.67 0.67 0.67 0.64 0.67 0.69 0.73 0.78 0.80 0.86 0.92 0.98 1.05 1.13 36
22 0.55 0.62 0.66 0.67 0.66 0.65 0.67 0.70 0.75 0.81 0.84 0.89 0.96 1.04 1.13 1.23 37
23 0.55 0.61 0.66 0.67 0.67 0.67 0.69 0.73 0.78 0.85 0.90 0.96 1.04 1.14 1.23 1.36 38
24 0.53 0.60 0.65 0.68 0.69 0.70 0.73 0.77 0.84 0.92 0.99 1.04 1.15 1.27 1.37 1.52 39
25 0.52 0.59 0.65 0.69 0.72 0.74 0.78 0.84 0.91 1.00 1.09 1.17 1.30 1.43 1.54 1.70 40
26 0.52 0.58 0.65 0.70 0.75 0.79 0.84 0.90 0.99 1.10 1.20 1.32 1.45 1.60 1.73 1.89 41
27 0.53 0.59 0.66 0.73 0.79 0.85 0.92 0.99 1.10 1.24 1.35 1.48 1.63 1.80 1.94 2.10 42
28 0.56 0.62 0.70 0.78 0.85 0.93 1.01 1.12 1.24 1.41 1.52 1.67 1.83 2.01 2.15 2.33 43
29 0.60 0.67 0.75 0.84 0.94 1.02 1.13 1.26 1.42 1.61 1.74 1.89 2.05 2.23 2.39 2.59 44
30 0.66 0.74 0.83 0.92 1.03 1.15 1.27 1.44 1.63 1.85 1.99 2.14 2.30 2.48 2.65 2.88 45
31 0.70 0.80 0.89 0.99 1.11 1.25 1.41 1.58 1.82 2.06 2.21 2.37 2.55 2.75 2.93 3.18 46
32 0.74 0.84 0.95 1.07 1.20 1.37 1.55 1.76 2.01 2.29 2.45 2.63 2.83 3.04 3.24 3.53 47
33 0.75 0.88 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 48
34 0.76 0.91 1.06 1.24 1.43 1.65 1.88 2.14 2.43 2.75 2.97 3.20 3.47 3.75 4.02 4.42 49
35 0.77 0.95 1.13 1.34 1.56 1.80 2.06 2.34 2.66 3.00 3.25 3.51 3.83 4.16 4.48 4.96 50
36 0.77 0.98 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 51
37 0.80 1.03 1.28 1.55 1.83 2.10 2.40 2.73 3.08 3.45 3.74 4.07 4.47 4.91 5.33 5.82 52
38 0.84 1.10 1.39 1.68 1.98 2.27 2.59 2.94 3.30 3.70 4.01 4.36 4.79 5.28 5.76 6.27 53
39 0.89 1.20 1.51 1.82 2.13 2.44 2.78 3.14 3.54 3.95 4.28 4.66 5.12 5.65 6.21 6.77 54
40 0.96 1.31 1.64 1.97 2.29 2.61 2.96 3.35 3.77 4.22 4.57 4.96 5.45 6.03 6.68 7.36 55
41 1.04 1.42 1.80 2.16 2.50 2.83 3.20 3.62 4.08 4.57 4.93 5.35 5.86 6.49 7.20 8.03 56
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 57
43 1.19 1.66 2.10 2.51 2.89 3.28 3.69 4.16 4.68 5.27 5.72 6.24 6.82 7.52 8.36 9.47 58
44 1.27 1.76 2.23 2.67 3.08 3.49 3.93 4.41 4.94 5.62 6.14 6.72 7.37 8.12 8.98 10.15 59
45 1.34 1.86 2.37 2.85 3.28 3.72 4.18 4.67 5.22 5.99 6.58 7.24 7.96 8.75 9.60 10.79 60
46 1.41 1.96 2.50 3.03 3.51 3.97 4.44 4.97 5.56 6.37 7.07 7.83 8.67 9.51 10.45 11.74 61
47 1.47 2.08 2.66 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 62
48 1.54 2.20 2.85 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 63
49 1.60 2.34 3.04 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 64
50 1.67 2.49 3.24 3.98 4.71 5.38 6.04 6.74 7.53 8.36 9.23 10.31 11.61 13.07 14.70 16.73 65
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 15.99 18.24 66
52 1.88 2.91 3.83 4.69 5.54 6.36 7.16 7.95 8.77 9.75 10.75 12.01 13.55 15.34 17.32 19.77 67
53 1.99 3.13 4.13 5.04 5.94 6.79 7.60 8.43 9.36 10.42 11.53 12.91 14.58 16.50 18.66 21.34 68
54 2.12 3.35 4.42 5.39 6.32 7.14 7.98 8.90 9.93 11.09 12.32 13.85 15.64 17.69 20.02 22.84 69
55 2.26 3.59 4.75 5.76 6.68 7.51 8.38 9.34 10.49 11.77 13.14 14.83 16.75 18.93 21.43 24.36 70
56 2.43 3.87 5.11 6.14 7.06 7.91 8.82 9.83 11.06 12.48 14.01 15.84 17.92 20.25 22.93 26.15 71
57 2.63 4.19 5.50 6.58 7.52 8.40 9.34 10.40 11.66 13.24 14.92 16.92 19.16 21.67 24.55 28.12 72
58 2.87 4.56 5.97 7.12 8.08 9.01 10.00 11.08 12.33 14.05 15.87 18.03 20.46 23.19 26.30 30.12 73
59 3.13 4.99 6.53 7.74 8.76 9.75 10.77 11.86 13.13 14.94 16.87 19.17 21.81 24.79 28.15 32.25 74
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 75
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 76
62 4.17 6.47 8._6 9.90 11.17 12.30 13.42 14.60 16.05 18.02 20.40 23.33 26.89 31.18 36.00 42.00 77
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 78
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 79
65 5.57 8.39 10.54 12.15 13.48 14.70 15.95 17.38 19.19 21.52 24.71 28.78 33.81 39.74 46.36 54.95 80
66 6.11 9.02 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 81
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 82
68 7.29 9.98 12.23 14.17 15.98 17.74 19.60 21.87 24.56 27.62 32.06 37.55 44.30 52.30 61.57 73.03 83
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 84
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 73.33 88.04 85
71 9.20 11.47 13.83 16.31 19.07 22.00 25.15 28.56 32.20 35.98 41.99 49.04 57.58 67.79 80.12 96.55 86
72 9.84 12.24 14.74 17.46 20.40 23.51 26.86 30.48 34.35 38.33 45.02 52.86 62.33 73.70 87.44 106.28 87
73 10.49 13.03 15.76 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 88
74 10.98 13.71 16.56 19.58 22.84 26.29 29.98 33.97 38.22 42.59 50.63 60.05 71.46 85.15 104.97 131.09 89
75 11.35 14.14 17.08 20.18 23.52 27.05 30.82 34.90 39.23 43.68 52.24 62.29 74.41 90.22 113.03 141.63 90
146.93 91
152.29 92
161.00 93
174.21 94
[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 ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ 15
1 0.53 0.34 0.26 ____ 0.19 0.17 ____ 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 16
2 0.34 0.26 0.21 ____ 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 17
3 0.26 0.21 0.19 ____ 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 18
4 0.21 0.19 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 19
5 0.19 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 20
6 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.35 21
7 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.35 0.34 22
8 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.35 0.34 0.33 23
9 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.35 0.34 0.34 0.33 24
10 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.35 0.34 0.33 0.33 0.32 25
11 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.35 0.34 0.33 0.33 0.33 0.32 26
12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.35 0.34 0.33 0.33 0.33 0.32 0.31 27
13 0.17 0.21 0.27 0.32 0.38 0.4_ 0.46 0.48 0.36 0.34 0.33 0.33 0.32 0.32 0.31 0.33 28
14 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.36 0.35 0.33 0.33 0.32 0.32 0.31 0.33 0.34 29
15 0.26 0.32 0.37 0.42 0.45 0.47 0.37 0.35 0.34 0.33 0.32 0.32 0.31 0.33 0.34 0.35 30
16 0.33 0.38 0.41 0.44 0.46 0.37 0.36 0.35 0.34 0.33 0.32 0.31 0.33 0.34 0.36 0.37 31
17 0.38 0.41 0.43 0.45 0.36 0.36 0.35 0.34 0.33 0.32 0.31 0.33 0.34 0.36 0.37 0.37 32
18 0.39 0.42 0.43 0.35 0.35 0.34 0.33 0.33 0.32 0.31 0.31 0.33 0.34 0.36 0.38 0.38 33
19 0.38 0.41 0.33 0.33 0.33 0.32 0.31 0.31 0.30 0.30 0.30 0.33 0.35 0.37 0.39 0.40 34
20 0.36 0.30 0.31 0.31 0.31 0.29 0.29 0.29 0.29 0.30 0.30 0.33 0.35 0.38 0.40 0.42 35
21 0.26 0.29 0.30 0.29 0.29 0.27 0.27 0.28 0.28 0.29 0.30 0.33 0.35 0.39 0.42 0.45 36
22 0.25 0.28 0.29 0.29 0.28 0.27 0.27 0.27 0.28 0.29 0.31 0.33 0.37 0.40 0.45 0.48 37
23 0.24 0.27 0.28 0.28 0.28 0.27 0.27 0.27 0.28 0.30 0.32 0.35 0.39 0.44 0.48 0.53 38
24 0.23 0.26 0.28 0.28 0.28 0.27 0.27 0.28 0.29 0.32 0.35 0.38 0.43 0.48 0.53 0.58 39
25 0.22 0.25 0.27 0.28 0.28 0.28 0.28 0.29 0.31 0.34 0.38 0.42 0.47 0.53 0.59 0.64 40
26 0.22 0.24 0.26 0.27 0.28 0.29 0.30 0.31 0.33 0.37 0.41 0.46 0.52 0.59 0.66 0.71 41
27 0.22 0.24 0.26 0.27 0.29 0.30 0.32 0.34 0.37 0.41 0.46 0.51 0.58 0.65 0.73 0.78 42
28 0.22 0.24 0.26 0.28 0.30 0.32 0.34 0.37 0.41 0.46 0.51 0.57 0.64 0.72 0.80 0.86 43
29 0.23 0.25 0.27 0.29 0.32 0.35 0.38 0.42 0.46 0.52 0.57 0.64 0.71 0.80 0.88 0.95 44
30 0.25 0.27 0.29 0.32 0.35 0.38 0.42 0.47 0.52 0.59 0.65 0.71 0.79 0.88 0.97 1.05 45
31 0.25 0.28 0.30 0.34 0.37 0.41 0.46 0.51 0.57 0.64 0.71 0.78 0.87 0.97 1.06 1.16 46
32 0.26 0.29 0.32 0.36 0.40 0.44 0.50 0.56 0.63 0.71 0.78 0.86 0.96 1.06 1.18 1.29 47
33 0.26 0.30 0.33 0.38 0.43 0.48 0.54 0.61 0.68 0.77 0.85 0.95 1.06 1.19 1.32 1.45 48
34 0.26 0.30 0.35 0.40 0.46 0.52 0.59 0.66 0.74 0.84 0.93 1.04 1.17 1.32 1.48 1.63 49
35 0.26 0.31 0.37 0.43 0.49 0.56 0.63 0.72 0.81 0.90 1.01 1.14 1.30 1.48 1.65 1.84 50
36 0.25 0.32 0.38 0.45 0.53 0.60 0.68 0.77 0.86 0.97 1.09 1.24 1.41 1.61 1.82 2.02 51
37 0.26 0.33 0.41 0.48 0.56 0.64 0.73 0.82 0.92 1.04 1.18 1.34 1.53 1.76 1.99 2.20 52
38 0.27 0.35 0.43 0.52 0.61 0.69 0.78 0.88 0.99 1.12 1.26 1.44 1.65 1.90 2.18 2.40 53
39 0.28 0.38 0.47 0.56 0.65 0.74 0.83 0.95 1.07 1.20 1.36 1.54 1.77 2.06 2.38 2.63 54
40 0.30 0.40 0.50 0.60 0.69 0.78 0.89 1.01 1.14 1.29 1.45 1.66 1.91 2.22 2.60 2.91 55
41 0.32 0.44 0.55 0.65 0.75 0.85 0.97 1.10 1.24 1.40 1.58 1.81 2.08 2.43 2.85 3.23 56
42 0.34 0.47 0.59 0.70 0.81 0.92 1.05 1.19 1.35 1.52 1.73 1.97 2.27 2.66 3.12 3.58 57
43 0.36 0.50 0.63 0.75 0.87 0.99 1.12 1.27 1.44 1.65 1.88 2.16 2.50 2.91 3.42 3.95 58
44 0.38 0.53 0.67 0.81 0.93 1.06 1.20 1.36 1.54 1.78 2.05 2.37 2.75 3.20 3.74 4.33 59
45 0.40 0.56 0.72 0.86 1.00 1.14 1.29 1.46 1.65 1.92 2.23 2.60 3.02 3.51 4.10 4.72 60
46 0.42 0.59 0.76 0.92 1.07 1.22 1.39 1.57 1.78 2.03 2.44 2.86 3.35 3.91 4.57 5.23 61
47 0.45 0.63 0.81 0.99 1.16 1.33 1.51 1.71 1.95 2.26 2.67 3.14 3.70 4.34 5.08 5.81 62
48 0.47 0.67 0.87 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 63
49 0.49 0.72 0.94 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 64
50 0.51 0.77 1.01 1.26 1.51 1.75 2.01 2.28 2.59 2.94 3.46 4.10 4.89 5.84 6.96 8.09 65
51 0.55 0.84 1.12 1.39 1.67 1.95 2.24 2.54 2.87 3.26 3.81 4.51 5.39 6.46 7.73 9.01 66
52 0.59 0.92 1.23 1.53 1.84 2.15 2.46 2.80 3.16 3.58 4.19 4.97 5.94 7.14 8.56 9.99 67
53 0.63 1.00 1.35 1.67 2.01 2.34 2.67 3.04 3.44 3.91 4.59 5.45 6.53 7.85 9.43 11.02 68
54 0.68 1.09 1.47 1.82 2.17 2.52 2.88 3.27 3.72 4.24 5.00 5.97 7.16 8.60 10.34 12.07 69
55 0.74 1.19 1.60 1.98 2.35 2.71 3.08 3.50 4.01 4.60 5.45 6.53 7.84 9.41 11.33 13.18 70
56 0.81 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 71
57 0.89 1.44 1.94 2.37 2.76 3.15 3.57 4.06 4.65 5.40 6.46 7.79 9.3_ 11.29 13.61 15.98 72
58 0.99 1.61 2.15 2.62 3.03 3.45 3.91 4.42 5.03 5.86 7.03 8.50 10.26 12.37 14.94 17.55 73
59 1.10 1.80 2.40 2.90 3.35 3.81 4.30 4.83 5.47 6.37 7.65 9.25 11.20 13.56 16.41 19.29 74
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 75
61 1.39 2.24 2.97 3.57 4.14 4.66 5.21 5.81 6.55 7.55 9.09 11.04 13.49 16.51 20.10 23.80 76
62 1.56 2.47 3.27 3.95 4.55 5.12 5.72 6.37 7.16 8.24 9.94 12.12 14.89 18.31 22.42 26.70 77
63 1.76 2.75 3.61 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 78
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 18.08 22.45 27.72 33.50 79
65 2.22 3.42 4.39 5.1_ 5.88 6.56 7.29 8.15 9.23 10.62 12.93 15.97 19.92 24.84 30.76 37.28 80
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 81
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 82
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 83
69 3.46 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 84
70 3.83 4.90 6.07 7.36 8.79 10.35 12.09 14.03 16.17 18.47 22.77 28.13 34.94 43.60 54.64 67.26 85
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 86
72 4.61 5.88 7.27 8.79 10.48 12.33 14.39 16.68 19.22 21.95 27.42 34.27 43.03 54.19 68.52 85.02 87
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 88
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 89
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 90
117.54 91
121.83 92
128.79 93
139.38 94
[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 ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ ____ 15
1 0.53 0.34 0.26 0.21 0.19 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 16
2 0.34 0.26 0.21 ____ 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 17
3 0.26 0.21 0.19 0._7 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 18
4 0.21 0.19 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 19
5 0.19 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 20
6 0.17 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.71 21
7 0.16 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.71 0.69 22
8 0.14 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.70 0.69 0.68 23
9 0.13 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.68 0.68 0.68 0.68 24
10 0.12 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.66 0.66 0.67 0.67 0.66 25
11 0.12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.64 0.64 0.65 0.66 0.66 0.66 26
12 0.13 0.17 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.62 0.62 0.63 0.64 0.65 0.66 0.64 27
13 0.17 0.21 0.27 0.32 0.38 0.4_ 0.46 0.48 0.61 0.60 0.61 0.63 0.6_ 0.64 0.64 0.67 28
14 0.21 0.27 0.32 0.38 0.43 0.46 0.48 0.60 0.60 0.59 0.61 0.62 0.63 0.62 0.67 0.69 29
15 0.26 0.32 0.37 0.42 0.45 0.47 0.60 0.59 0.59 0.58 0.60 0.61 0.61 0.65 0.69 0.72 30
16 0.33 0.38 0.41 0.44 0.46 0.58 0.58 0.58 0.58 0.58 0.59 0.59 0.64 0.68 0.72 0.75 31
17 0.38 0.41 0.43 0.45 0.57 0.56 0.56 0.56 0.56 0.57 0.58 0.62 0.66 0.71 0.75 0.77 32
18 0.39 0.42 0.43 0.53 0.55 0.54 0.54 0.54 0.55 0.56 0.57 0.62 0.67 0.73 0.77 0.79 33
19 0.38 0.41 0.50 0.51 0.52 0.50 0.51 0.51 0.52 0.54 0.56 0.62 0.68 0.74 0.79 0.82 34
20 0.36 0.45 0.47 0.48 0.48 0.46 0.48 0.48 0.50 0.53 0.55 0.62 0.68 0.75 0.82 0.86 35
21 0.38 0.42 0.45 0.45 0.44 0.43 0.44 0.46 0.49 0.52 0.56 0.62 0.69 0.77 0.86 0.92 36
22 0.37 0.41 0.44 0.44 0.44 0.43 0.45 0.46 0.50 0.54 0.59 0.65 0.73 0.82 0.93 1.01 37
23 0.36 0.41 0.44 0.44 0.45 0.45 0.46 0.49 0.52 0.57 0.63 0.69 0.79 0.90 1.01 1.11 38
24 0.35 0.40 0.44 0.45 0.46 0.47 0.49 0.52 0.56 0.61 0.69 0.76 0.87 1.00 1.12 1.24 39
25 0.35 0.39 0.44 0.46 0.48 0.49 0.52 0.56 0.61 0.67 0.75 0.85 0.98 1.12 1.26 1.39 40
26 0.34 0.39 0.43 0.46 0.50 0.53 0.56 0.60 0.66 0.73 0.83 0.95 1.09 1.26 1.42 1.55 41
27 0.35 0.39 0.44 0.48 0.53 0.57 0.61 0.66 0.73 0.82 0.94 1.07 1.2_ 1.41 1.59 1.71 42
28 0.37 0.42 0.47 0.52 0.57 0.62 0.67 0.74 0.83 0.94 1.06 1.21 1.38 1.58 1.76 1.91 43
29 0.40 0.45 0.50 0.56 0.62 0.68 0.75 0.84 0.94 1.08 1.21 1.37 1.55 1.75 1.95 2.12 44
30 0.44 0.49 0.55 0.61 0.69 0.77 0.85 0.96 1.08 1.23 1.38 1.55 1.74 1.95 2.17 2.36 45
31 0.47 0.53 0.59 0.66 0.74 0.83 0.94 1.06 1.21 1.37 1.54 1.72 1.92 2.16 2.40 2.60 46
32 0.49 0.56 0.63 0.71 0.80 0.91 1.03 1.17 1.34 1.52 1.70 1.91 2.13 2.39 2.65 2.8_ 47
33 0.50 0.58 0.67 0.76 0.88 1.00 1.14 1.29 1.47 1.68 1.88 2.11 2.37 2.65 2.95 3.22 48
34 0.50 0.60 0.71 0.82 0.96 1.10 1.25 1.43 1.62 1.83 2.07 2.32 2.62 2.95 3.29 3.61 49
35 0.51 0.63 0.75 0.90 1.04 1.20 1.37 1.56 1.77 2.00 2.26 2.54 2._9 3.27 3.66 4.06 50
36 0.51 0.65 0.80 0.96 1.13 1.30 1.49 1.68 1.91 2.15 2.42 2.74 3.13 3.56 4.01 4.42 51
37 0.53 0.69 0.85 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 52
38 0.56 0.74 0.93 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 53
39 0.60 0.80 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 54
40 0.64 0.87 1.09 1.32 1.53 1.74 1.98 2.24 2.51 2.82 3.18 3.59 4.11 4.73 5.47 6.02 55
41 0.69 0.95 1.20 1.44 1.66 1.89 2.13 2.41 2.72 3.05 3.43 3.87 4.42 5.10 5.89 6.57 56
42 0.75 1.03 1.30 1.56 1.80 2.04 2.30 2.60 2.93 3.28 3.69 4.18 4.77 5.48 6.35 7.16 57
43 0.80 1.11 1.40 1.67 1.93 2.18 2.46 2.78 3.12 3.52 3.97 4.52 5.15 5.91 6.84 7.75 58
44 0.84 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 59
45 0.89 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 60
46 0.94 1.31 1.67 2.02 2.34 2.64 2.96 3.32 3.71 4.25 4.91 5.67 6.54 7.47 8.55 9.61 61
47 0.98 1.39 1.78 2.16 2.51 2.84 3.17 3.55 3.99 4.55 5.28 6.12 7.06 8.11 9.32 10.46 62
48 1.02 1.47 1.90 2.31 2.71 3.07 3.43 3.83 4.33 4.88 5.66 6.55 7.60 8.80 10.17 11.43 63
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 64
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 8.76 10.27 12.03 13.69 65
51 1.18 1.79 2.35 2.89 3.42 3.92 4.42 4.92 5.44 6.0_ 6.93 8.07 9.47 11.14 13.08 14.92 66
52 1.25 1.94 2.55 3.13 3.69 4.24 4.77 5.30 5.85 6.50 7.47 8.70 10.22 12.05 14.17 16.18 67
53 1.33 2.08 2.75 3.36 3.96 4.52 5.06 5.62 6.24 6.95 8.01 9.35 11.00 12.96 15.27 17.46 68
54 1.42 2.23 2.95 3.59 4.21 4.76 5.32 5.93 6.62 7.39 8.56 10.03 11.80 13.90 16.38 18.69 69
55 1.51 2.40 3.17 3.84 4.45 5.00 5.58 6.23 6.99 7.85 9.14 10.74 12.64 14.87 17.54 19.93 70
56 1.62 2.58 3.41 4.09 4.71 5.28 5.88 6.55 7.37 8.32 9.73 11.47 13.52 15.91 18.77 21.40 71
57 1.75 2.80 3.67 4.39 5.01 5.60 6.23 6.93 7.77 8.83 10.36 1_.25 14.46 17.02 20.09 23.01 72
58 1.91 3.04 3.98 4.74 5.39 6.01 6.66 7.39 8.22 9.37 11.03 13.06 15.44 18.22 21.52 24.65 73
59 2.09 3.32 4.35 5.16 5.84 6.50 7.18 7.91 8.76 9.96 11.73 13.88 16.46 19.48 23.04 26.38 74
60 2.29 3.65 4.75 5.61 6.37 7.05 7.75 8.48 9.36 10.60 12.46 14.75 17.52 20.80 24.64 28.40 75
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 18.86 22.53 26.96 31.27 76
62 2.78 4.31 5.58 6.60 7.45 8.20 8.94 9.73 10.70 12.01 14.18 16.89 20.28 24.50 29.45 34.36 77
63 3.06 4.69 6.03 7.10 7.96 8.74 9.51 10.34 11.37 12.75 15.08 18.05 21.91 26.61 32.10 37.74 78
64 3.37 5.14 6.52 7.61 8.47 9.26 10.06 10.94 12.04 13.50 16.03 19.37 23.64 28.83 34.92 41.31 79
65 3.71 5.59 7.03 8.10 8.99 9.80 10.63 11.59 12.80 14.35 17.18 20.84 25.51 31.23 37.94 44.96 80
66 4.07 6.01 7.49 8.58 9.52 10.39 11.30 12.36 13.69 15.44 18.59 22.66 27.87 34.26 41.81 49.54 81
67 4.46 6.36 7.86 9.03 10.07 11.06 12.09 13.31 14.88 16.77 20.26 24.76 30.49 37.55 45.95 54.50 82
68 4.86 6.65 8.15 9.45 10.66 11.83 13.07 14.58 16.37 18.41 22.28 27.19 33.42 41.09 50.37 59.75 83
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 65.63 84
70 5.72 7.15 8.63 10.20 11.88 13.71 15.69 17.83 20.12 22.49 27.20 32.92 40.07 48.94 60.00 72.04 85
71 6.13 7.64 9.22 10.87 12.71 14.66 16.76 19.04 21.47 23.99 29.18 35.51 43.43 53.26 65.55 78.99 86
72 6.56 8.16 9.83 11.64 13.60 15.67 17.90 20.32 22.89 25.55 31.28 38.28 47.02 57.91 71.54 86.47 87
73 6.99 8.69 10.51 12.43 14.51 16.72 19.07 21.63 24.35 27.16 33.46 11.15 50.79 62.78 77.82 95.25 88
74 7.32 9.14 11.04 13.05 15.23 17.52 19.99 22.65 25.47 28.40 35.18 43.49 53.91 66.90 83.97 104.87 89
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 90
117.54 91
121.83 92
128.79 93
139.38 94
10-YEAR TERM PREMIUMS
BAND II--100,000 to 249,999
Age MSK MPSK MNS MPNS FSK FPSK FNS FPNS
--- ----- ----- ----- ----- ----- ----- ----- -----
20 1.77 1.22 1.03 0.85 1.27 0.88 0.75 0.62
21 1.77 1.22 1.03 0.85 1.27 0.88 0.75 0.62
22 1.77 1.22 1.03 0.85 1.27 0.88 0.75 0.62
23 1.77 1.22 1.03 0.85 1.27 0.88 0.75 0.62
24 1.77 1.22 1.03 0.85 1.27 0.88 0.75 0.62
25 1.77 1.22 1.03 0.85 1.27 0.88 0.75 0.62
26 1.84 1.26 1.03 0.85 1.29 0.90 0.75 0.62
27 1.91 1.31 1.04 0.86 1.34 0.93 0.75 0.62
28 1.98 1.36 1.06 0.87 1.42 0.98 0.78 0.64
29 2.07 1.41 1.07 0.88 1.53 1.05 0.81 0.67
30 2.18 1.49 1.11 0.91 1.66 1.14 0.86 0.71
31 2.33 1.59 1.16 0.95 1.82 1.25 0.92 0.75
32 2.50 1.70 1.22 1.00 2.00 1.37 0.98 0.81
33 2.71 1.84 1.30 1.06 2.21 1.51 1.07 0.87
34 2.97 2.02 1.40 1.14 2.45 1.67 1.16 0.95
35 3.31 2.24 1.53 1.24 2.71 1.84 1.26 1.03
36 3.81 2.57 1.72 1.40 3.02 2.05 1.38 1.13
37 4.40 2.97 1.96 1.60 3.38 2.29 1.52 1.24
38 5.03 3.38 2.21 1.80 3.75 2.53 1.66 1.36
39 5.61 3.77 2.44 1.98 4.08 2.75 1.79 1.46
40 6.07 4.08 2.64 2.13 4.36 2.94 1.91 1.55
41 6.28 4.24 2.74 2.16 4.51 3.05 1.99 1.59
42 6.37 4.31 2.79 2.18 4.60 3.13 2.05 1.62
43 6.42 4.36 2.84 2.19 4.66 3.18 2.10 1.63
44 6.54 4.45 2.92 2.22 4.75 3.26 2.17 1.67
45 6.81 4.65 3.08 2.31 4.92 3.38 2.27 1.73
46 7.35 5.01 3.34 2.49 5.19 3.57 2.42 1.83
47 8.01 5.46 3.66 2.72 5.52 3.80 2.58 1.95
48 8.77 5.97 4.03 2.99 5.90 4.05 2.78 2.09
49 9.57 6.51 4.44 3.29 6.32 4.33 2.99 2.25
50 10.37 7.05 4.86 3.60 6.76 4.64 3.24 2.43
51 11.12 7.55 5.28 3.91 7.23 4.95 3.50 2.63
52 11.88 8.06 5.71 4.23 7.72 5.28 3.79 2.84
53 12.67 8.59 6.19 4.57 8.26 5.64 4.10 3.07
54 13.53 9.17 6.71 4.95 8.84 6.04 4.46 3.33
55 14.49 9.82 7.32 5.39 9.48 6.47 4.86 3.62
56 15.54 10.52 7.98 5.87 10.16 6.92 5.29 3.93
57 16.66 11.27 8.70 6.39 10.89 7.41 5.76 4.27
58 17.88 12.09 9.50 6.97 11.68 7.94 6.27 4.64
59 19.22 12.98 10.40 7.61 12.54 8.51 6.85 5.05
60 20.70 13.97 11.42 8.35 13.49 9.15 7.51 5.53
61 22.34 15.03 12.56 9.18 14.55 9.83 8.24 6.06
62 24.12 16.17 13.82 10.08 15.69 10.56 9.05 6.64
63 26.02 17.40 15.18 11.06 16.91 11.35 9.93 7.27
64 28.03 18.76 16.68 12.15 18.19 12.21 10.89 7.96
65 30.12 20.26 18.32 13.33 19.52 13.16 11.93 8.72
66 32.31 21.88 20.11 14.63 20.90 14.20 13.07 9.54
67 34.60 23.62 22.04 16.02 22.35 15.30 14.29 10.42
68 36.98 25.51 24.10 17.52 23.85 16.49 15.59 11.36
69 39.44 27.57 26.29 19.11 25.38 17.79 16.97 12.36
70 41.98 29.83 28.63 20.81 26.95 19.19 18.42 13.41
71 44.61 32.27 31.10 22.60 28.56 20.70 19.95 14.52
72 47.31 34.90 33.71 24.49 30.19 22.32 21.55 15.68
73 50.08 37.74 36.45 26.49 31.85 24.05 23.23 16.89
74 52.92 40.82 39.34 28.58 33.53 25.91 24.97 18.15
75 55.82 44.14 42.36 30.77 35.23 27.91 26.78 19.46
10-YEAR TERM PREMIUMS
BAND II--50,000 to 99,999
Age MSK MPSK MNS MPNS FSK FPSK FNS FPNS
--- ----- ----- ----- ----- ----- ----- ----- -----
20 1.97 1.35 1.15 0.94 1.41 0.98 0.83 0.69
21 1.97 1.35 1.15 0.94 1.41 0.98 0.83 0.69
22 1.97 1.35 1.15 0.94 1.41 0.98 0.83 0.69
23 1.97 1.35 1.15 0.94 1.41 0.98 0.83 0.69
24 1.97 1.35 1.15 0.94 1.41 0.98 0.83 0.69
25 1.97 1.35 1.15 0.94 1.41 0.98 0.83 0.69
26 2.05 1.40 1.15 0.94 1.44 1.00 0.83 0.69
27 2.13 1.46 1.16 0.95 1.49 1.04 0.84 0.69
28 2.21 1.51 1.17 0.96 1.58 1.09 0.86 0.71
29 2.30 1.57 1.19 0.98 1.70 1.17 0.90 0.74
30 2.42 1.65 1.23 1.01 1.85 1.27 0.95 0.79
31 2.59 1.77 1.29 1.05 2.02 1.39 1.02 0.84
32 2.78 1.89 1.35 1.11 2.23 1.52 1.10 0.90
33 3.01 2.05 1.44 1.18 2.46 1.68 1.19 0.97
34 3.31 2.24 1.55 1.27 2.72 1.85 1.29 1.05
35 3.68 2.49 1.70 1.38 3.01 2.05 1.40 1.14
36 4.20 2.84 1.91 1.55 3.34 2.26 1.53 1.24
37 4.82 3.25 2.15 1.74 3.70 2.50 1.67 1.36
38 5.49 3.70 2.42 1.96 4.08 2.76 1.81 1.47
39 6.15 4.14 2.68 2.17 4.47 3.02 1.97 1.60
40 6.75 4.54 2.93 2.37 4.85 3.27 2.12 1.72
41 7.20 4.85 3.12 2.52 5.19 3.50 2.26 1.84
42 7.59 5.11 3.28 2.65 5.51 3.72 2.40 1.94
43 7.98 5.37 3.45 2.78 5.85 3.95 2.54 2.06
44 8.44 5.68 3.65 2.95 6.24 4.21 2.72 2.21
45 9.03 6.08 3.93 3.17 6.71 4.53 2.94 2.38
46 9.78 6.59 4.29 3.45 7.14 4.82 3.16 2.54
47 10.65 7.17 4.71 3.79 7.59 5.13 3.39 2.71
48 11.56 7.78 5.16 4.14 8.04 5.44 3.64 2.89
49 12.45 8.39 5.62 4.48 8.48 5.75 3.89 3.07
50 13.25 8.93 6.07 4.80 8.89 6.03 4.14 3.24
51 13.82 9.33 6.44 5.02 9.20 6.25 4.35 3.37
52 14.29 9.66 6.78 5.21 9.45 6.43 4.56 3.49
53 14.75 9.98 7.14 5.40 9.71 6.72 4.77 3.62
54 15.32 10.38 7.58 5.64 10.05 6.86 5.05 3.78
55 16.11 10.92 8.14 6.00 10.54 7.19 5.40 4.02
56 17.14 11.61 8.83 6.47 11.13 7.59 5.82 4.31
57 18.37 12.43 9.62 7.03 11.92 8.12 6.33 4.67
58 19.77 13.37 10.52 7.69 12.85 8.74 6.92 5.10
59 21.33 14.40 11.55 8.45 13.89 9.43 7.60 5.60
60 23.01 15.53 12.70 9.29 15.00 10.17 8.35 6.15
61 24.84 16.71 13.97 10.20 16.18 10.93 9.17 6.74
62 26.82 17.98 15.36 11.21 17.45 11.74 10.06 7.38
63 28.94 19.35 16.88 12.30 18.80 12.62 11.04 8.09
64 31.17 20.86 18.55 13.51 20.22 13.58 12.11 8.85
65 33.50 22.53 20.37 14.83 21.70 14.64 13.27 9.69
66 35.93 24.33 22.36 16.27 23.24 15.79 14.53 10.61
67 38.47 26.27 24.50 17.82 24.85 17.01 15.89 11.59
68 41.12 28.36 26.79 19.48 26.52 18.34 17.34 12.63
69 43.86 30.65 29.24 21.25 28.23 19.78 18.87 13.74
70 46.68 33.17 31.83 23.14 29.97 21.34 20.48 14.91
71 49.60 35.88 34.58 25.13 31.75 23.02 22.18 16.14
72 52.61 38.80 37.48 27.24 33.58 24.81 23.96 17.43
73 55.69 41.97 40.53 29.45 35.42 26.75 25.83 18.78
74 58.85 45.39 43.74 31.78 37.29 28.82 27.77 20.18
75 62.08 49.08 47.10 34.22 39.17 31.03 29.78 21.64
EXHIBITS
Exhibit A - Reinsurance Application/Cession Form
Exhibit B - Plans Reinsured / Reinsurance Premium Rates / Recapture Period
Exhibit C - Suggested Reporting Details
Exhibit D - Retention Limits of Ceding Company
Exhibit E - Jumbo Limits
Exhibit F - Percentage of Participation
Exhibit G - Automatic Binding Limits
Exhibit H - Conditional Receipt Liability
Security Life
___________
Exhibit A - Part I
APPLICATION FOR REINSURANCE
TO: SECURITY LIFE OF DENVER, XXXXXX, XXXXXXXX 00000
------------------------------------------------------------------------------------------------------------------------------------
[ ] Trial [ ] Facultative: Please send approval [ ] Facultative Obligatory [ ] Automatic
------------------------------------------------------------------------------------------------------------------------------------
First Name Middle initial Last Name Sex Age Date of
Birth
LIFE _ 1
------------------------------------------------------------------------------------------------------------------------------------
LIFE _ 2(If Joint)
------------------------------------------------------------------------------------------------------------------------------------
State of Occupation State of Social Security No.
Residence Birth
_ 1
------------------------------------------------------------------------------------------------------------------------------------
_ 2
------------------------------------------------------------------------------------------------------------------------------------
Complete [ ] Payor First Name Middle Initial Last Name Occupation Date of S.S. No.
if to be Birth
insured. [ ] Benificiary
------------------------------------------------------------------------------------------------------------------------------------
[ ] Premium Waiver ACCIDENTAL DEATH
[ ] Payor D_ only DOUBLE D.I. Life _ 2 CEDING CO
LIFE _ 1 LIFE _ 2 [ ] Payor D_ - Dis IND. LIFE _ 1 OR BENE. INS PLAN*
Having previous Ins. in force for $ $ $ $ $
------------ ------------ ------------------ -------------- -------------- ------------
of which we retain
------------ ------------ ------------------ -------------- -------------- ------------
Rating, if substandard
------------ ------------ ------------------ -------------- --------------
We are issuing new Ins. for
------------ ------------ ------------------ -------------- -------------- ------------
of which we will retain
------------ ------------ ------------------ -------------- -------------- ------------
Rating, if substandard
------------ ------------ ------------------ -------------- --------------
Reinsurance requested
------------ ------------ ----------------- -------------- -------------- ------------
* If this is a new plan, make sure you furnish us full plan details.
------------------------------------------------------------------------------------------------------------------------------------
We are reporting: M.I.B.:
This cession represents: [ ] New Business [ ] Term Conversion [ ] Guaranteed Insurability Option [ ] Amended Cession
REMARKS:
[ ] YRT [ ] BTR [ ] LPR [ ] COINSURANCE OTHER
--------------
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------ ------------------------- ---------------------------- ------------------------------
No. of Original Policy Date of Original Policy Preliminary Term From Valuation Basis
PREMIUM WAIVER OR DIS. INC. REINSURANCE ACCIDENTAL DEATH REINSURANCE
Rider Form No. Double Ind. Bene. Ins.
------------------------
Age Expiry Rider Form No.
---------------------------- ---------- -------------- --------------
Premium to be Waived Age Expiry
------------------ -------------- -------------- --------------
Premium for Waiver Benefit
-------------
If Return of Premium Benefit: Xxx. Premium per Thousand Returned $ If Juvenile: Full Benefit at Age:
-------------- --------------
------------------------------------------------------------------------------------------------------------------------------------
-------------------------------- ---------------------------------- ----------------------------- ---------------------------
DATED AT CEDING COMPANY DATE BY
SECURITY LIFE OF DENVER
SECURITY LIFE BUILDING
XXXXXX, XXXXXXXX 00000
Form 4002 B
Security Life
___________
Exhibit A - Part II
NOTIFICATION OF REINSURANCE
TO: SECURITY LIFE OF DENVER, XXXXXX, XXXXXXXX 00000
------------------------------------------------------------------------------------------------------------------------------------
[ ] Trial [ ] Facultative: Please send approval [ ] Facultative Obligatory [ ] Automatic
------------------------------------------------------------------------------------------------------------------------------------
First Name Middle initial Last Name Sex Age Date of
Birth
LIFE _ 1
------------------------------------------------------------------------------------------------------------------------------------
LIFE _ 2(If Joint)
------------------------------------------------------------------------------------------------------------------------------------
State of Occupation State of Social Security No.
Residence Birth
_ 1
------------------------------------------------------------------------------------------------------------------------------------
_ 2
------------------------------------------------------------------------------------------------------------------------------------
Complete [ ] Payor First Name Middle Initial Last Name Occupation Date of S.S. No.
if to be Birth
insured. [ ] Benificiary
------------------------------------------------------------------------------------------------------------------------------------
[ ] Premium Waiver ACCIDENTAL DEATH
[ ] Payor D_ only DOUBLE D.I. Life _ 2 CEDING CO
LIFE _ 1 LIFE _ 2 [ ] Payor D_ - Dis IND. LIFE _ 1 OR BENE. INS PLAN*
Having previous Ins. in force for $ $ $ $ $
------------ ------------ ------------------ -------------- -------------- ------------
of which we retain
------------ ------------ ------------------ -------------- -------------- ------------
Rating, if substandard
------------ ------------ ------------------ -------------- --------------
We are issuing new Ins. for
------------ ------------ ------------------ -------------- -------------- ------------
of which we will retain
------------ ------------ ------------------ -------------- -------------- ------------
Rating, if substandard
------------ ------------ ------------------ -------------- --------------
Reinsurance requested
------------ ------------ ------------------ -------------- -------------- ------------
* If this is a new plan, make sure you furnish us full plan details.
------------------------------------------------------------------------------------------------------------------------------------
We are reporting: M.I.B.:
This cession represents: [ ] New Business [ ] Term Conversion [ ] Guaranteed Insurability Option [ ] Amended Cession
REMARKS:
[ ] YRT [ ] BTR [ ] LPR [ ] COINSURANCE OTHER
--------------
------------------------------------------------------------------------------------------------------------------------------------
------------------------------------ ------------------------- ---------------------------- -----------------------------
No. of Original Policy Date of Original Policy Preliminary Term From Valuation Basis
PREMIUM WAIVER OR DIS. INC. REINSURANCE ACCIDENTAL DEATH REINSURANCE
Rider Form No. Double Ind. Bene. Ins.
------------------------
Age Expiry Rider Form No.
---------------------------- ---------- -------------- --------------
Premium to be Waived Age Expiry
------------------ -------------- -------------- --------------
Premium for Waiver Benefit
-------------
If Return of Premium Benefit: Xxx. Premium per Thousand Returned $ If Juvenile: Full Benefit at Age:
-------------- --------------
------------------------------------------------------------------------------------------------------------------------------------
-------------------------------- ---------------------------------- ----------------------------- ---------------------------
DATED AT CEDING COMPANY DATE BY
------------------------------------------------------------------------------------------------------------------------------------
Premiums
Policy Terminal Amount of Att'd -------------------------------------------------- Total
Year Reserve Reinsurance Age Life Extra Dis. or Payor A.D. Premium
------------------------------------------------------------------------------------------------------------------------------------
Preliminary
Term
------------------------------------------------------------------------------------------------------------------------------------
19
------------------------------------------------------------------------------------------------------------------------------------
19
------------------------------------------------------------------------------------------------------------------------------------
19
------------------------------------------------------------------------------------------------------------------------------------
19
------------------------------------------------------------------------------------------------------------------------------------
19
------------------------------------------------------------------------------------------------------------------------------------
The above application is accepted and reinsurance granted, subject to all the terms and conditions of such application and the
Reinsurance Agreement between the ceding Company and
Dated at Denver, Colorado SECURITY LIFE OF DENVER INSURANCE COMPANY
This day of , 19 /s/ Illegible
----------- -------------- ------ ------------------------------
President
Reinsurance Policy No.
--------------------------------
Form 4002 B
((2))
EXHIBIT C
Life Insurance Company of Virginia
Inforce Summary As Of
February, 1986
Mode of
Company Number 4A & 9A Reinsurance: YRT
--------------------------------------------------------------------------------
Policy Reinsured
Count Death Benefit
--------------------------------------------------------------------------------
Inforce As of Last Report 2685 6,03,03_,732
New Reinsurance Ceded 107 23,__2,221
Conversion of Trad. Policy 1 14_,431
New Policies from Splits
Revivals 2 331,232
Deduct Ceased By:
Surrender 2 239,913
_TO 1 581,425
Non-Pay 20 4,345,293
Maturity
Death
Conversions
Other 1 99,588
--------------------------------------------------------------------------------
Current Month Inforce 2772 622,938,226
--------------------------------------------------------------------------------
Summary of Premium/Commission
Due CNA
----------------------------------------------------------
Premium
---------------------
Category Life Disability Commission Net Due
----------------------------------------------------------
First Year 3906.29 83.63 899.01 3090.91
----------------------------------------------------------
Renewal 64935.19 89.91 218.01 64807.09
----------------------------------------------------------
Total 68841.48 173.54 1117.02 67898.00
----------------------------------------------------------
EXHIBIT C
Life Insurance Company of Virginia
List of Amendments
1ST QUARTER 1984
Page 1
-------------------------------------------------------------------
Xxxx. Effective Policy
Pol. No. Name Code Year Date Count
-------------------------------------------------------------------
N1859648 Xxxxxxxxx, Xxxxx X. 6 R 1/84 (1)
N1870366 Xxxxxxxxxx, Xxxx X. 4 R 1/84 (1)
N1883663 Xxxxxxx, Xxxxxx X. 4 F 12/83 (1)
N1887615 XxXxxx, Xxxxxxx X. 4 F 11/83 (1)
N1891979 Xxxxx, Xxxxxx X. 4 F 11/83 (1)
N1900636 Xxxxxxxxx, Xxxxxx X. 4 F 9/83 (1)
N1904007 Xxxxxxx, Xxxxxxxx X. 5 F 6/83 (1)
N1911669 Xxxxxxxx, Xxxxxxx X. 6 F 4/84 (1)
N1912746 Xxxxx, Xxxxxx X. Xx. 5 F 8/83 (1)
N1922748 Xxxx, Xxxxxxxx C. 12 F 11/83 (1)
N1923626 Xxxxxx, Xxxxxx X. 5 F 10/83 (1)
N1926783 Xxxxxxxx, Xxxxxx X. 4 F 12/83 (1)
N1936119 Xxxxx, Xxxxxx X. 5 F 12/83 (1)
N1936802 Xxxxxx, Xxxxxx X. 9 F 12/83 (1)
N1942636 Xxxxx, Xxxxx X. 12 F 12/83 (1)
-----------------------------------------------------
4 - Termination Total Code 4 R Yr (1)
5 - Not taken Total Code 6 R Yr (1)
6 - Surrender Total Code 4 F Yr (5)
7 - Reinstatement Total Code 5 F Yr (4)
8 - Increase in S.A. Total Code 6 F Yr (1)
9 - Decrease in S.A. Total Code 12 F Yr (2)
10 - Conversion Code 9 F Yr (1)
11 - Death Total F Yr (13)
12 - Other Total R Yr (2)
-----------------------------------------------------
Grand Total (15)
-----------------------------------------------------
EXHIBIT C
Report for Company 14
Face Reinsured Reinsurance
Policy Issue Amount First Issue Death Attd -------------------
Number Name Sex OYB Date Rat (000s) Excess Prop Age Benefit Age Premium Commission
--------- -------------------- ---- ---- ----- ---- ----------- ------- ------ ----- --------- ---- ------- ----------
N01873464 Xxxxxxxxxx _ans S M 25 11/82 00700 SA 300000 0.4286 57 298942 58 486.98 155.83
X00000000 Xxxxxxx Xxxxx X X 48 10/82 00500 SA 100000 0.2000 34 99109 35 43.11 13.80
N01874569 _enke Xxxxxxxxx X X 27 10/82 00_00 SA 400000 0.5000 __ 384661 56 565.45 180.94
X00000000 Xxxxxx_xx Xxxxx X X 00 00/00 00000 XX 000000 0.2000 33 99083 34 39.24 12.56
N01874672 Schrei_er Xxxxxxx F M 46 10/82 00500 SA 100000 0.2000 36 98908 37 47.77 15.29
X00000000 Reacy Xxxxx X X 62 11/82 00500 SA 500000 1.0000 20 497716 21 189.63 60.68
N01875175 Xxxxx Xxxx C M 64 11/82 00500 SA 100000 0.2000 18 99021 19 41.59 13.31
N01875720 XxXxxxxx Xxxx G M 33 11/82 0054_ SA 146383 0.2681 49 104931 50 111.75 35.76
N01876267 Xxxxxxxxx C Graoy Sr M 17 11/82 00700 SA 300000 0.4286 65 245278 66 898.45 287.51
N01877514 Xxxxxxx Xxxxxx A M 14 3/83 01000 SA 800000 0.8000 69 697631 70 3746.28 5394.64
X00000000 Xxxxx Xxxxxx T M 43 12/82 00200 SA 200000 1.0000 39 187302 40 128.68 41.18
N01878097 Mc_ally Xxxx M 41 12/82 00500 SA 100000 0.2000 41 98701 42 65.44 20.94
N01878165 Xxxxxxxx Xxxxxx X X 34 2/83 C 00100 SA 100000 1.0000 49 99461 50 174.93 93.29
N01878165 Xxxxxxxx Xxxxxx H + 15.00/M - TEMP 372.98 37.30
N01879065 Xxxxxxxx Xxxxx N M 19 1/83 00300 SA 200000 0.6667 64 19497_ 65 511.81 153.54
N01879065 Xxxxxxxx Xxxxx N + 10.00/M - TEMP 487.44 48.74
N01880069 Xxxxxxxxxxx Xxxxxx M 38 1/83 00580 SA 179974 0.3103 45 173750 46 141.78 45.37
N01880198 _xx Xxxx X Xx X 00 00/00 00000 XX 000000 1.0000 52 198453 53 247.07 79.06
N01880210 Xxxxx Xxxxxxx X X 49 1/83 G 00050 SA 50000 1.0000 34 49761 35 69.86 20.96
N0188029_ Xxxxxx Tho__s R Jr M 51 12/82 00500 SA 100000 0.2000 31 99052 32 38.33 12.27
N01880338 Xxxxxxxx Xxxxx X X 00 0/00 X 00000 XX 000000 1.0000 55 219207 56 511.30 153.39
N01880954 Xxxx Xxxxxx _ M 42 1/83 00_00 SA 400000 0.5000 41 393503 42 2_0.89 83.49
X00000000 _____ Xxxxxx _ M 37 2/83 00140 SA 140000 1.0000 46 138751 47 121.13 106.59
N01881820 Lit_in Stuart _ M 43 12/82 01160 SA 760032 0.6552 39 511231 40 300.60 96.19
N01882455 Xxxxxx Xxxxx F M 43 1/83 00750 SA 750000 1.0000 40 712269 41 444.46 142.23
N01882480 Xxxxx Xxxxx _ M 28 1/83 00450 SA 450000 1.0000 55 428557 56 629.98 201.59
N01883069 Xxxxxx Xxxxx _ M 11 12/82 00250 SA 250000 1.0000 71 201942 72 130_.77 418.17
N01883118 Xxxxx Xxxxxxx _ M 27 2/83 00568 SA 1_8298 0.2963 56 101370 57 140.80 75.10
N01884648 Xxxxxxx Xxxxxxx M M 58 2/83 00500 SA 100000 0.2000 25 99285 26 26.51 14.14
N01885513 Xx__xx Xxxxxx X X 00 0/00 00000 XX 000000 0.2000 63 90041 64 205.56 109.63
N01885514 Xx__xx Xxxxxx X X 00 0/00 00000 XX 000000 1.0000 63 241779 64 551.98 294.39
N01885604 Xxxxxx Xxxxxx _ M 22 1/83 00_00 SA 200000 0.3333 61 176635 62 311.05 93.32
N01885607 Xxxxx Xxxxxxx X X 22 2/83 00500 SA 100000 0.2000 61 87727 62 154.49 82.39
X00000000 ______ Xxx _ M 55 2/83 01000 SA 600000 0.6000 28 592175 29 165.22 88.12
N01885665 Xxxxxx _ills Xxxxxxx M 33 3/83 00_00 SAP 200000 0.3333 50 199284 51 215.23 165.01
N01886629 Xxxxxx Xxxxxx _ M 53 2/83 00500 SA 100000 0.2000 30 99551 31 2_.97 15.45
N01886630 Xxxxxx Lino_ X X 54 2/83 00500 SA 100000 0.2000 29 99674 30 24.52 13.08
N01886734 Xxxxx Xxxxxxx _avi_ M 30 3/83 D 00120 SA _0000 0.5000 53 54206 54 131.72 100.99
N01887116 Xxxxxx Xxxxxx X X 54 2/83 00500 SA 100000 0.2000 29 99622 30 28.09 14.98
N01887443 Xxxxxxx Glern R M 25 2/83 00125 SA 125000 1.0000 58 116244 59 179.25 95.60
N01887495 Mc_ueen Charles M M 49 2/83 D 02000 SAP 1000000 0.5000 34 996719 35 699.70 373.17
N01888856 Xxxxxxxxx Xxxxxxx X X 26 3/83 00333 SA 285581 0.8576 57 28196_ 58 4_9.32 661.42
N01889047 ______ Xxxxx T M 50 2/83 00500 SA 100000 0.2000 33 99480 34 30.74 16.39
N01889688 Xxxxxx Alexand_r M 22 1/83 00244 SA 244000 1.0000 61 242357 62 496.59 148.98
N01890272 Xxxxx Xxxx P M 46 3/83 00500 SAP 100000 0.2000 37 99673 38 33.49 25.68
N01891066 Xxxxxx Xxxxx M M 37 1/83 00500 SA 100000 0.2000 46 90797 47 60.20 18.06
N01892256 San_man Xxxxx _ M 36 3/83 00541 SA 140985 0.2606 47 128881 48 90.09 69.07
N01892263 Longl_y Xxxxx ____ M 40 2/83 01000 SA 600000 0.6000 43 580744 44 304.89 162.61
N01892373 Sut_er Xxxx _ M 26 3/83 00150 SA 150000 1.0000 57 146353 58 213.38 163.59
N01892374 Sut_er Xxxx _ M 26 3/83 00050 SA 50000 1.0000 57 _9538 58 72.23 55.37
X00000000 Xxxxx Xxxxx K M 51 2/83 01000 SA 600000 0.6000 32 597176 33 180.94 96.50
Premium
Policy Net Due apply-to
Number Name Reinsurer Tr L_n Month
--------- -------------------- --------- --- ---- --------
N01873464 Xxxxxxxxxx _ans S 331.14 3 3 JAN-MAR
X00000000 Xxxxxxx Xxxxx S 29.32 3 3 JAN-MAR
N01874569 _enke Xxxxxxxxx R 384.51 3 3 JAN-MAR
X00000000 Schrei_er Xxxxx R 26.68 3 3 JAN-MAR
N01874672 Schrei_er Xxxxxxx F 32.49 3 3 JAN-MAR
X00000000 Xxxxx Xxxxx D 128.95 3 3 JAN-MAR
N01875175 Xxxxx Xxxx C 28.28 3 4 JAN-MAR
N01875720 XxXxxxxx Xxxx G 75.99 3 3 JAN-MAR
N01876267 Xxxxxxxxx C Graoy Sr 610.95 3 3 JAN-MAR
N01877514 Xxxxxxx Xxxxxx A -1648.36 3 3 JAN-MAR
X00000000 Xxxxx Xxxxxx T 87.50 3 1 JAN-MAR
N01878097 Mc_ally Xxxx 44.50 3 3 JAN-MAR
N01878165 Xxxxxxxx Xxxxxx _ 81.63 3 13 JAN-MAR
N01878165 Xxxxxxxx Xxxxxx _ 335.68 3 13 JAN-MAR
N01879065 Xxxxxxxx Xxxxx N 358.27 3 8 JAN-MAR
N01879065 Xxxxxxxx Xxxxx N 438.70 3 8 JAN-MAR
N01880069 Xxxxxxxxxxx Xxxxxx 96.41 3 3 JAN-MAR
N01880198 _rr Xxxx R Jr 168.01 3 3 JAN-MAR
N01880210 Xxxxx Xxxxxxx J 48.90 3 13 JAN-MAR
N0188029_ Xxxxxx Tho__s R Jr 26.07 3 3 JAN-MAR
N01880338 Xxxxxxxx Xxxxx F 357.91 3 8 JAN-MAR
N01880954 Xxxx Xxxxxx _ 177.41 3 3 JAN-MAR
X00000000 _____ Xxxxxx _ 14.54 3 3 JAN-MAR
N01881820 Lit_in Stuart _ 204.41 3 3 JAN-MAR
N01882455 Xxxxxx Xxxxx F 302.23 3 3 JAN-MAR
N01882480 Xxxxx Xxxxx __ 428.39 3 3 JAN-MAR
N01883069 Xxxxxx Xxxxx _ 888.60 3 3 JAN-MAR
N01883118 Xxxxx Xxxxxxx _ 65.71 3 13 JAN-MAR
N01884648 Xxxxxxx Xxxxxxx M 12.37 3 8 JAN-MAR
N01885513 Sp__ak Xxxxxx J 95.93 3 8 JAN-MAR
N01885514 Sp__ak Xxxxxx J 257.59 3 8 JAN-MAR
N01885604 Xxxxxx Xxxxxx _ 217.74 3 8 JAN-MAR
N01885607 Xxxxx Xxxxxxx L 72.09 3 8 JAN-MAR
X00000000 ______ Xxx _ 77.10 3 _ JAN-MAR
N01885665 Xxxxxx _ills Xxxxxxx 50.22 3 13 JAN-MAR
N01886629 Xxxxxx Xxxxxx _ 13.52 3 _ JAN-MAR
N01886630 Xxxxxx Lino_ J 11.44 3 8 JAN-MAR
N01886734 Xxxxx Xxxxxxx _avi_ 30.73 3 13 JAN-MAR
N01887116 Xxxxxx Xxxxxx B 13.11 3 8 JAN-MAR
N01887443 Xxxxxxx Glern R _3.65 3 13 JAN-MAR
N01887495 Mc__een Xxxxxxx M 326.53 3 13 JAN-MAR
N01888856 Xxxxxxxxx Xxxxxxx J -202.10 3 3 JAN-MAR
N01889047 ______ Xxxxx T 14.34 3 8 JAN-MAR
N01889688 Xxxxxx Alexand_r 347.61 3 13 JAN-MAR
N01890272 Xxxxx Xxxx P 7.81 3 8 JAN-MAR
N0189106_ Xxxxxx Xxxxx M 42.14 3 8 JAN-MAR
N01892256 San_man Davi_ _ 21.02 3 8 JAN-MAR
N01892263 Longl_y Xxxxx ____ 142.28 3 8 JAN-MAR
N01892373 Sut_er Xxxx _ 49.79 3 13 JAN-MAR
N01892374 Sut_er Xxxx _ 16.85 3 13 JAN-MAR
X00000000 Xxxxx Xxxxx K 84.44 3 8 JAN-MAR
EXHIBIT D
RETENTION LIMITS
1. Life Insurance:
Ages Standard and Substandard
---- ------------------------
0-70 $500,000
71 and over $250,000
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. Disability Waiver of Premium Benefit
An amount equal to that attaching to the face amount of Life coverage
retained.
3. Accidental Death Benefit: Not reinsured under this Agreement
The above stated Retention Limits is a combined corporate retention limit for
the following three companies: Life Insurance Company of Virginia, America Life
Insurance Company, and Virginia Life Insurance Company of New York.
EXHIBIT E
JUMBO LIMITS
The total life insurance in force, known to the Ceding Company, in all companies
plus the amount applied for in all companies on any one life shall not exceed
the following limits:
Issue Age Limits
--------- ------
0-70 $7,500,000
71-75 $3,750,000
over 75 no automatic reinsurance available
EXHIBIT F
PERCENTAGE OF PARTICIPATION
Policies and supplemental benefits reinsured automatically shall be those plans
shown in Exhibit B on which the Ceding Company's insured's surname begins with
the letters A-Z inclusive. For these policies and benefits, Security Life will
automatically reinsure 25% of the excess over the Ceding Company's Retention
Limits as shown in Exhibit D.
EXHIBIT G
AUTOMATIC BINDING LIMITS
The total amount reinsured automatically under this Agreement by the Pool
members shall not exceed the following limits.
LIFE
A. Standard - Table 4 ISSUE AGE AMOUNT
--------- ------
0-70 $1,125,000 Each Pool Member
($4,500,000 Total)
71-75 $562,500 Each Pool Member
($2,250,000 Total)
76 and over Automatic reinsurance is not
available
B. Table 5 - Table 16 ISSUE AGE AMOUNT
--------- ------
0-70 $1,000,000 Security Life
$1,000,000 CNA
$1,000,000 AUL
$750,000 North American
($3,750,000 Total)
71-75 $562,500 Each Pool Member
($2,250,000 Total)
76 and over Automatic reinsurance is not
available
C. Table 17 and above Automatic reinsurance is not
available
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 H
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.
Reinsurance receipt benefits for policies that do not qualify for automatic
reinsurance are available only if the Pool member has made an offer for
reinsurance upon a facultative basis and the Ceding Company has actually
accepted the offer as set forth in Article III, Facultative Reinsurance.
EXHIBIT G
SECURITY LIFE OF DERVER
SMOKER BASIC TABLE RATES
STANDARD RATES
ANNUAL PREMIUMS PER $1,000 REINSURED -- YEARLY RENEWABLE TERM BASIS
THERE SHALL BE A $10 FEE PER POLICY IN RENEWAL YEARS
ISSUE
AGE POLICY YEAR
NEAREST --------------------------------------------------------------------
MALE 1 2 3 4 5 6 7 8 9
------- ---- ----- ----- ----- ----- ----- ----- ----- -----
45 0.00 3.49 4.23 4.89 5.44 6.14 6.87 7.57 8.26
46 0.00 3.71 4.54 5.24 5.85 6.62 7.43 8.18 8.90
47 0.00 3.96 4.86 5.61 6.28 7.13 8.07 8.88 9.63
48 0.00 4.23 5.21 6.01 6.71 7.70 8.76 9.64 10.44
49 0.00 4.52 5.58 6.43 7.16 8.32 9.52 10.46 11.32
50 0.00 4.82 5.97 6.88 7.63 8.94 10.30 11.32 12.24
51 0.00 5.14 6.38 7.35 8.12 9.59 11.09 12.19 13.19
52 0.00 5.44 6.80 7.85 8.64 10.23 11.89 13.04 14.12
53 0.00 5.74 7.25 8.37 9.19 10.88 12.66 13.87 15.02
54 0.00 6.05 7.73 8.96 9.81 11.53 13.43 14.70 15.92
55 0.00 6.40 8.26 9.62 10.51 12.21 14.21 15.55 16.86
56 0.00 6.82 8.88 10.43 11.35 13.03 15.44 16.51 17.96
57 0.00 7.31 9.60 11.36 12.33 13.93 16.00 17.55 19.18
58 0.00 7.89 10.42 12.45 13.46 14.96 16.98 18.70 20.55
59 0.00 8.56 11.35 13.68 14.75 16.13 18.09 19.98 22.09
60 0.00 9.33 12.36 15.02 16.15 17.42 19.30 21.38 23.79
61 0.00 10.20 13.48 16.44 17.68 18.86 20.67 22.92 25.66
62 0.00 11.17 14.67 17.90 19.31 20.44 22.20 24.62 27.70
63 0.00 12.26 15.95 19.39 21.01 22.17 23.93 26.49 29.91
64 0.00 13.45 17.30 20.87 22.80 24.05 25.89 28.53 32.31
65 0.00 14.78 18.73 22.35 24.65 26.10 28.09 30.76 34.88
66 0.00 16.22 20.22 23.77 26.54 28.30 30.56 33.18 37.65
67 0.00 17.80 21.79 25.13 28.48 30.69 33.33 35.83 40.61
68 0.00 19.27 23.50 27.08 30.86 33.37 36.33 39.00 44.14
69 0.00 20.86 25.48 29.44 33.62 36.43 39.74 42.66 48.19
ISSUE ATTAINED
AGE POLICY YEAR AGE
NEAREST ------------------------------------------------------- NEAREST
MALE 10 11 12 13 14 15 ULT MALE
------- ----- ----- ----- ----- ----- ------ ------ --------
45 9.05 9.05 10.53 12.29 14.02 15.77 17.57 60
46 9.77 9.77 11.44 13.41 15.32 17.22 19.18 61
47 10.56 10.58 12.43 14.62 16.72 18.80 20.94 62
48 11.48 11.48 13.50 15.90 18.22 20.51 22.88 63
49 12.46 12.46 14.65 17.28 19.83 22.34 24.99 64
50 13.50 13.50 15.88 18.74 21.54 24.31 27.26 65
51 14.57 14.57 17.17 20.27 23.35 26.40 29.66 66
52 15.63 15.67 18.54 21.89 25.27 28.61 32.20 67
53 16.68 16.77 19.96 23.61 27.30 30.94 34.85 68
54 17.75 17.93 21.49 25.43 29.47 33.42 37.67 69
55 18.87 19.16 23.17 27.43 31.81 36.11 40.73 70
56 20.16 20.63 25.17 29.77 34.50 39.19 44.28 71
57 21.59 22.29 27.44 32.39 37.44 42.55 48.21 72
58 23.18 24.16 30.01 35.31 40.67 46.24 52.57 73
59 24.97 26.24 32.85 38.52 44.18 50.28 57.37 74
60 26.95 28.56 35.95 42.02 48.02 54.69 62.61 75
61 29.15 31.08 39.27 45.78 52.18 59.49 68.33 76
62 31.55 33.82 42.78 49.79 56.68 64.73 74.50 77
63 34.20 36.77 46.45 54.02 61.54 70.40 81.14 78
64 37.09 39.94 50.27 58.47 66.78 76.55 88.27 79
65 40.25 43.31 54.21 63.15 72.41 83.21 95.89 80
66 43.67 46.91 58.24 68.00 78.45 90.39 104.03 81
67 47.39 50.72 62.36 73.05 84.91 98.11 112.67 82
68 51.40 54.79 66.99 78.60 91.85 106.75 121.61 83
69 55.90 59.33 72.25 84.77 99.40 116.07 131.80 84
** SUBSTANDARD EXTRA RATES: **
SUBSTANDARD EXTRA RATES ARE CALCULATED BY
MULTIPLYING BY THE APPROPRIATE EXTRA MORTALITY FACTOR
FEMALE RATES: AGES 20 - 25 SAME AS MALE RATES
AGES 26 - 28 SAME AS MALE AGE 25 RATES
AGES 29 AND OVER SAME AS MALE RATES 3 YEARS YOUNGER
EXHIBIT G
SECURITY LIFE OF DERVER
SMOKER BASIC TABLE RATES
STANDARD RATES
ANNUAL PREMIUMS PER $1,000 REINSURED -- YEARLY RENEWABLE TERM BASIS
THERE SHALL BE A $10 FEE PER POLICY IN RENEWAL YEARS
ISSUE
AGE POLICY YEAR
NEAREST -----------------------------------------------------------------------
MALE 1 2 3 4 5 6 7 8 9
------- ---- ----- ----- ----- ----- ----- ------ ------ ------
70 0.00 22.63 27.72 32.18 36.74 39.80 43.47 46.69 52.66
71 0.00 24.61 30.25 35.20 40.17 43.46 47.44 51.01 57.52
72 0.00 26.85 33.10 38.58 43.90 47.37 51.62 55.54 62.70
73 0.00 29.39 36.28 42.27 47.91 51.51 55.95 60.22 68.15
74 0.00 32.21 39.76 46.26 52.24 55.96 60.58 65.18 73.91
75 0.00 35.26 43.53 50.55 56.94 60.83 65.65 70.56 80.06
76 0.00 38.54 47.53 55.15 62.04 66.20 71.32 76.49 86.64
77 0.00 41.99 51.74 60.02 67.58 72.18 77.75 83.13 93.71
78 0.00 45.61 56.16 65.21 73.61 78.82 85.03 90.57 101.32
79 0.00 49.48 60.87 70.74 80.08 86.00 92.94 98.63 109.42
80 0.00 53.71 65.98 76.68 86.96 93.55 101.26 107.11 117.95
ISSUE ATTAINED
AGE POLICY YEAR AGE
NEAREST ------------------------------------------------------------ NEAREST
MALE 10 11 12 13 14 15 ULT MALE
------- ------ ------ ------ ------ ------ ------ ------ --------
70 60.89 64.44 78.26 91.69 107.57 125.86 143.00 85
71 66.41 70.22 85.15 99.50 116.36 135.93 155.29 86
72 72.45 76.71 93.69 108.28 125.77 146.08 168.67 87
73 79.00 83.94 102.07 118.10 135.81 156.20 182.93 88
74 86.00 91.66 111.74 128.62 146.36 166.41 195.22 89
75 93.34 99.58 121.59 139.44 157.31 176.89 204.61 90
76 100.93 107.39 131.16 150.16 168.54 187.84 212.02 91
77 108.68 114.80 139.97 160.37 179.93 199.45 219.51 92
78 116.52 121.61 147.70 169.79 191.36 211.83 231.90 93
79 124.56 128.09 154.75 178.68 202.84 224.82 250.79 94
80 132.92 134.63 161.68 187.42 214.34 238.21 270.01 95
** SUBSTANDARD EXTRA RATES: **
SUBSTANDARD EXTRA RATES ARE CALCULATED BY
MULTIPLYING BY THE APPROPRIATE EXTRA MORTALITY FACTOR
FEMALE RATES: AGES 20 - 25 SAME AS MALE RATES
AGES 26 - 28 SAME AS MALE AGE 25 RATES
AGES 29 AND OVER SAME AS MALE RATES 3 YEARS YOUNGER
EXHIBIT G
SECURITY LIFE OF DENVER
SMOKER BASIC TABLE RATES
STANDARD RATES
ANNUAL PREMIUMS PER $1,000 REINSURED -- YEARLY RENEWABLE TERM BASIS
THERE SHALL BE A $10 FEE PER POLICY IN RENEWAL YEARS
ISSUE ATTAINED
AGE POLICY YEAR AGE
NEAREST -------------------------------------------------------------------------------------------------- NEAREST
MALE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 ULT MALE
------- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- ----- ----- ----- --------
20 0.00 1.59 1.67 1.72 1.74 1.74 1.75 1.77 1.81 1.85 1.85 1.85 1.85 1.85 1.85 1.95 35
21 0.00 1.50 1.59 1.64 1.65 1.64 1.64 1.68 1.73 1.81 1.81 1.81 1.81 1.82 1.93 2.05 36
22 0.00 1.39 1.49 1.53 1.56 1.54 1.57 1.62 1.68 1.75 1.75 1.75 1.75 1.89 2.03 2.19 37
23 0.00 1.30 1.42 1.45 1.48 1.49 1.52 1.58 1.65 1.75 1.75 1.75 1.84 2.00 2.18 2.36 38
24 0.00 1.24 1.36 1.40 1.42 1.45 1.49 1.57 1.66 1.76 1.76 1.77 1.96 2.15 2.35 2.57 39
25 0.00 1.19 1.33 1.37 1.40 1.42 1.50 1.58 1.69 1.80 1.80 1.89 2.09 2.32 2.57 2.81 40
26 0.00 1.17 1.32 1.35 1.39 1.44 1.53 1.61 1.74 1.87 1.87 2.00 2.25 2.51 2.79 3.05 41
27 0.00 1.18 1.33 1.37 1.43 1.48 1.58 1.70 1.85 1.99 1.99 2.14 2.43 2.72 3.03 3.31 42
28 0.00 1.22 1.36 1.42 1.48 1.55 1.66 1.80 1.97 2.15 2.15 2.30 2.63 2.95 3.28 3.60 43
29 0.00 1.28 1.41 1.49 1.55 1.65 1.77 1.94 2.13 2.33 2.33 2.46 2.86 3.20 3.57 3.91 44
30 0.00 1.33 1.47 1.56 1.63 1.75 1.88 2.08 2.31 2.52 2.52 2.67 3.10 3.49 3.89 4.27 45
31 0.00 1.39 1.53 1.65 1.75 1.89 2.03 2.25 2.50 2.76 2.76 2.92 3.38 3.79 4.25 4.66 46
32 0.00 1.45 1.60 1.74 1.85 2.02 2.18 2.43 2.70 3.01 3.01 3.16 3.68 4.15 4.66 5.09 47
33 0.00 1.49 1.66 1.82 1.97 2.15 2.34 2.62 2.90 3.23 3.23 3.49 4.02 4.53 5.10 5.58 48
34 0.00 1.52 1.73 1.92 2.10 2.30 2.52 2.80 3.12 3.49 3.49 3.83 4.38 4.95 5.58 6.11 49
35 0.00 1.55 1.80 2.03 2.24 2.46 2.72 3.01 3.37 3.75 3.79 4.20 4.77 5.41 6.11 6.71 50
36 0.00 1.66 1.95 2.20 2.45 2.70 2.99 3.32 3.70 4.13 4.17 4.67 5.26 5.97 6.75 7.42 51
37 0.00 1.78 2.12 2.40 2.66 2.97 3.29 3.65 4.06 4.54 4.57 5.14 5.77 6.57 7.44 8.21 52
38 0.00 1.96 2.32 2.64 2.92 3.29 3.65 4.03 4.49 5.01 5.04 5.67 6.36 7.24 8.19 9.07 53
39 0.00 2.15 2.54 2.92 3.20 3.63 4.02 4.44 4.94 5.49 5.50 6.21 6.99 7.94 8.99 10.02 54
40 0.00 2.36 2.80 3.20 3.51 4.00 4.43 4.90 5.44 6.01 6.02 6.80 7.68 8.73 9.88 11.05 55
41 0.00 2.59 3.07 3.52 3.85 4.39 4.86 5.37 5.95 6.57 6.57 7.43 8.44 9.59 10.86 12.15 56
42 0.00 2.81 3.34 3.84 4.22 4.80 5.32 5.88 6.48 7.13 7.13 8.10 9.27 10.55 11.92 13.36 57
43 0.00 3.03 3.62 4.17 4.59 5.23 5.79 6.40 7.04 7.73 7.73 8.85 10.19 11.61 13.09 14.64 58
44 0.00 3.26 3.92 4.52 5.01 5.67 6.32 6.96 7.63 8.37 8.37 9.65 11.19 12.75 14.37 16.03 59
** SUBSTANDARD EXTRA RATES: **
SUBSTANDARD EXTRA RATES ARE CALCULATED BY
MULTIPLYING BY THE APPROPRIATE EXTRA MORTALITY FACTOR
FEMALE RATES: AGES 20 - 25 SAME AS MALE RATES
AGES 26 - 28 SAME AS MALE AGE 25 RATES
AGES 29 AND OVER SAME AS MALE RATES 3 YEARS YOUNGER
EXHIBIT G
SECURITY LIFE OF DENVER
NONSMOKER BASIC TABLE RATES
STANDARD RATES
ANNUAL PREMIUMS PER $1,000 REINSURED -- YEARLY RENEWABLE TERM BASIS
THERE SHALL BE A $10 FEE PER POLICY IN RENEWAL YEARS
ISSUE ATTAINED
AGE POLICY YEAR AGE
NEAREST ---------------------------------------------------------------------------------------------------------------- NEAREST
MALE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 ULT MALE
------- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ --------
70 0.00 11.99 14.66 17.00 19.40 21.00 22.93 24.62 27.76 32.07 33.90 41.13 48.17 56.59 66.07 75.05 85
71 0.00 13.01 15.97 18.57 21.17 22.90 24.99 26.87 30.28 34.94 36.93 44.75 52.26 61.09 71.34 81.49 86
72 0.00 14.17 17.44 20.31 23.10 24.92 27.15 29.21 32.97 38.08 40.33 49.22 56.86 66.02 76.66 88.50 87
73 0.00 15.47 19.08 22.22 25.18 27.07 29.40 31.64 35.79 41.48 44.11 53.61 62.00 71.28 81.96 95.96 88
74 0.00 16.92 20.87 24.28 27.42 29.37 31.78 34.20 38.77 45.10 48.16 58.67 67.51 76.81 87.31 102.40 89
75 0.00 18.48 22.81 26.49 29.84 31.87 34.40 36.97 41.95 48.91 52.30 63.83 73.18 82.54 94.80 107.32 90
76 0.00 20.16 24.87 28.85 32.46 34.64 37.32 40.03 45.34 52.83 56.39 68.87 78.80 88.43 98.53 111.20 91
77 0.00 21.91 27.02 31.35 35.31 37.72 40.63 43.45 48.99 56.82 60.27 73.46 84.14 94.39 104.61 115.12 92
78 0.00 23.75 29.28 34.01 38.41 41.13 44.38 47.27 52.90 60.86 63.84 77.51 89.08 100.38 111.10 121.61 93
79 0.00 25.72 31.67 36.84 41.72 44.82 48.45 51.42 57.06 64.99 67.24 81.20 93.74 106.39 117.91 131.51 94
80 0.00 27.86 34.27 39.87 45.24 48.69 52.71 55.77 61.43 69.27 70.66 84.83 98.31 112.42 124.92 141.58 95
** SUBSTANDARD EXTRA RATES: **
SUBSTANDARD EXTRA RATES ARE CALCULATED BY
MULTIPLYING BY THE APPROPRIATE EXTRA MORTALITY FACTOR
FEMALE RATES: AGES 20 - 25 SAME AS MALE RATES
AGES 26 - 28 SAME AS MALE AGE 25 RATES
AGES 29 AND OVER SAME AS MALE RATES 3 YEARS YOUNGER
EXHIBIT G
SECURITY LIFE OF DENVER
NONSMOKER BASIC TABLE RATES
STANDARD RATES
ANNUAL PREMIUMS PER $1,000 REINSURED -- YEARLY RENEWABLE TERM BASIS
THERE SHALL BE A $10 FEE PER POLICY IN RENEWAL YEARS
ISSUE ATTAINED
AGE POLICY YEAR AGE
NEAREST ------------------------------------------------------------------------------------------------------------- NEAREST
MALE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 ULT MALE
------- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- --------
20 0.00 1.03 1.08 1.12 1.13 1.13 1.14 1.16 1.19 1.21 1.21 1.21 1.21 1.21 1.21 1.26 35
21 0.00 0.98 1.03 1.07 1.08 1.08 1.08 1.11 1.14 1.19 1.19 1.19 1.19 1.19 1.25 1.32 36
22 0.00 0.92 0.98 1.01 1.03 1.02 1.04 1.07 1.11 1.16 1.16 1.16 1.16 1.23 1.31 1.40 37
23 0.00 0.86 0.94 0.96 0.98 0.99 1.01 1.05 1.09 1.15 1.15 1.15 1.20 1.29 1.39 1.50 38
24 0.00 0.83 0.90 0.93 0.95 0.97 0.99 1.04 1.10 1.16 1.16 1.16 1.27 1.38 1.49 1.62 39
25 0.00 0.80 0.88 0.91 0.93 0.95 1.00 1.05 1.12 1.18 1.18 1.23 1.35 1.48 1.62 1.76 40
26 0.00 0.78 0.86 0.89 0.92 0.95 1.00 1.05 1.13 1.21 1.21 1.27 1.41 1.56 1.72 1.87 41
27 0.00 0.77 0.86 0.89 0.92 0.96 1.01 1.08 1.17 1.25 1.25 1.33 1.49 1.65 1.82 1.98 42
28 0.00 0.78 0.86 0.90 0.94 0.98 1.04 1.12 1.22 1.32 1.32 1.39 1.58 1.75 1.93 2.10 43
29 0.00 0.80 0.88 0.92 0.96 1.02 1.08 1.18 1.29 1.39 1.39 1.45 1.67 1.85 2.05 2.23 44
30 0.00 0.81 0.89 0.94 0.99 1.05 1.12 1.23 1.35 1.47 1.47 1.54 1.76 1.96 2.18 2.37 45
31 0.00 0.83 0.91 0.97 1.03 1.10 1.18 1.30 1.43 1.56 1.56 1.63 1.87 2.07 2.31 2.52 46
32 0.00 0.84 0.92 1.00 1.06 1.14 1.23 1.36 1.50 1.65 1.65 1.72 1.98 2.21 2.46 2.67 47
33 0.00 0.85 0.93 1.02 1.09 1.19 1.28 1.42 1.56 1.73 1.73 1.84 2.09 2.34 2.61 2.85 48
34 0.00 0.85 0.95 1.04 1.13 1.23 1.34 1.47 1.63 1.80 1.80 1.96 2.21 2.48 2.77 3.02 49
35 0.00 0.84 0.96 1.07 1.17 1.27 1.40 1.53 1.70 1.88 1.89 2.07 2.33 2.62 2.94 3.21 50
36 0.00 0.90 1.03 1.15 1.27 1.38 1.52 1.67 1.85 2.05 2.05 2.26 2.53 2.85 3.20 3.50 51
37 0.00 0.95 1.10 1.24 1.36 1.50 1.65 1.82 2.00 2.22 2.22 2.46 2.74 3.10 3.48 3.82 52
38 0.00 1.03 1.19 1.34 1.47 1.64 1.80 1.98 2.19 2.42 2.42 2.67 2.97 3.36 3.78 4.17 53
39 0.00 1.12 1.29 1.46 1.59 1.78 1.96 2.15 2.38 2.62 2.62 2.88 3.22 3.63 4.09 4.54 54
40 0.00 1.21 1.40 1.58 1.72 1.94 2.13 2.34 2.58 2.83 2.83 3.11 3.49 3.94 4.43 4.94 55
41 0.00 1.30 1.51 1.71 1.86 2.10 2.31 2.53 2.79 3.06 3.06 3.35 3.78 4.27 4.81 5.36 56
42 0.00 1.39 1.62 1.84 2.01 2.27 2.49 2.74 3.00 3.28 3.28 3.60 4.09 4.63 5.21 5.82 57
43 0.00 1.49 1.74 1.98 2.16 2.43 2.68 2.94 3.21 3.51 3.51 3.88 4.44 5.03 5.65 6.30 58
44 0.00 1.58 1.86 2.11 2.32 2.60 2.88 3.15 3.44 3.75 3.75 4.17 4.81 5.45 6.12 6.81 59
** SUBSTANDARD EXTRA RATES: **
SUBSTANDARD EXTRA RATES ARE CALCULATED BY
MULTIPLYING BY THE APPROPRIATE EXTRA MORTALITY FACTOR
FEMALE RATES: AGES 20 - 25 SAME AS MALE RATES
AGES 26 - 28 SAME AS MALE AGE 25 RATES
AGES 29 AND OVER SAME AS MALE RATES 3 YEARS YOUNGER
EXHIBIT G
SECURITY LIFE OF DENVER
NONSMOKER BASIC TABLE RATES
STANDARD RATES
ANNUAL PREMIUMS PER $1,000 REINSURED -- YEARLY RENEWABLE TERM BASIS
THERE SHALL BE A $10 FEE PER POLICY IN RENEWAL YEARS
ISSUE ATTAINED
AGE POLICY YEAR AGE
NEAREST ------------------------------------------------------------------------------------------------------------- NEAREST
MALE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 ULT MALE
------- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- --------
45 0.00 1.67 1.98 2.25 2.49 2.78 3.09 3.38 3.67 4.01 4.01 4.48 5.21 5.91 6.63 7.37 60
46 0.00 1.77 2.11 2.41 2.67 2.99 3.34 3.65 3.96 4.32 4.32 4.88 5.69 6.47 7.25 8.06 61
47 0.00 1.88 2.26 2.58 2.86 3.22 3.62 3.96 4.28 4.67 4.67 5.31 6.21 7.08 7.94 8.82 62
48 0.00 2.00 2.42 2.75 3.06 3.47 3.92 4.30 4.64 5.07 5.07 5.77 6.77 7.73 8.68 9.67 63
49 0.00 2.13 2.58 2.95 3.26 3.75 4.26 4.66 5.03 5.51 5.51 6.28 7.38 8.44 9.48 10.59 64
50 0.00 2.27 2.76 3.15 3.47 4.03 4.61 5.04 5.44 5.97 5.97 6.82 8.02 9.19 10.35 11.59 65
51 0.00 2.41 2.95 3.36 3.70 4.32 4.96 5.43 5.86 6.45 6.45 7.40 8.70 9.99 11.28 12.65 66
52 0.00 2.55 3.14 3.59 3.93 4.61 5.32 5.82 6.28 6.93 6.93 8.01 9.42 10.85 12.26 13.78 67
53 0.00 2.70 3.35 3.83 4.19 4.91 5.68 6.20 6.70 7.41 7.41 8.65 10.20 11.76 13.31 14.97 68
54 0.00 2.84 3.57 4.10 4.47 5.21 6.03 6.59 7.11 7.90 7.90 9.34 11.02 12.74 14.43 16.24 69
55 0.00 3.01 3.81 4.40 4.79 5.53 6.40 6.98 7.55 8.42 8.42 10.10 11.93 13.80 15.65 17.63 70
56 0.00 3.25 4.16 4.84 5.26 6.00 7.07 7.55 8.19 9.16 9.21 11.20 13.21 15.28 17.34 19.57 71
57 0.00 3.53 4.56 5.35 5.80 6.52 7.46 8.16 8.90 9.98 10.14 12.45 14.67 16.92 19.21 21.74 72
58 0.00 3.85 5.02 5.96 6.43 7.12 8.05 8.85 9.70 10.91 11.21 13.88 16.31 18.75 21.30 24.19 73
59 0.00 4.24 5.54 6.64 7.15 7.80 8.72 9.61 10.61 11.96 12.41 15.49 18.14 20.78 23.62 26.93 74
60 0.00 4.67 6.13 7.40 7.95 8.56 9.46 10.46 11.62 13.13 13.76 17.27 20.16 23.02 26.20 29.97 75
61 0.00 5.18 6.78 8.23 8.84 9.42 10.30 11.41 12.74 14.44 15.25 19.23 22.39 25.50 29.05 33.34 76
62 0.00 5.75 7.49 9.10 9.80 10.37 11.25 12.46 13.99 15.90 16.90 21.34 24.81 28.22 32.21 37.05 77
63 0.00 6.40 8.27 10.01 10.84 11.43 12.32 13.62 15.36 17.53 18.71 23.60 27.42 31.21 35.69 41.11 78
64 0.00 7.12 9.10 10.95 11.94 12.59 13.55 14.91 16.86 19.33 20.69 26.00 30.22 34.49 39.52 45.54 79
65 0.00 7.93 10.00 11.91 13.12 13.88 14.93 16.34 18.50 21.32 22.83 28.54 33.22 38.07 43.73 50.37 80
66 0.00 8.68 10.78 12.65 14.10 15.03 16.22 17.60 19.94 23.11 24.71 30.65 35.76 41.23 47.49 54.63 81
67 0.00 9.50 11.59 13.35 15.11 16.27 17.66 18.98 21.48 25.04 26.71 32.81 38.41 44.62 51.53 59.16 82
68 0.00 10.26 12.48 14.36 16.34 17.66 19.22 20.63 23.32 27.13 28.84 35.23 41.31 48.26 56.06 63.84 83
69 0.00 11.08 13.50 15.58 17.78 19.25 20.99 22.53 25.43 29.47 31.22 37.99 44.55 52.21 60.94 69.18 84
** SUBSTANDARD EXTRA RATES: **
SUBSTANDARD EXTRA RATES ARE CALCULATED BY
MULTIPLYING BY THE APPROPRIATE EXTRA MORTALITY FACTOR
FEMALE RATES: AGES 20 - 25 SAME AS MALE RATES
AGES 26 - 28 SAME AS MALE AGE 25 RATES
AGES 29 AND OVER SAME AS MALE RATES 3 YEARS YOUNGER
3 CAT R-FACTORS 6/1/84 MALE PREFFERED NON-SMOKER ___
DURATION
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 ULT AGE
---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ----
3.2_ 0.73 0.46 0.3_ 0.28 0.25 0.21 0.20 0.18 0.16 0.1_ 0.21 0.25 0.35 0.47 0.65 15
0.7_ 0.48 0.37 0.30 0.26 0.23 0.21 0.19 0.17 0.17 0.1_ 0.23 0.32 0.43 0.60 0.78 16
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
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
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
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
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 0.42 21
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 0.43 0.41 22
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 0.44 0.42 0.41 23
0.25 0.24 0.24 0.25 0.32 0.40 0.51 0.62 0.73 0.82 0.92 0.97 0.45 0.43 0.42 0.40 24
0.25 0.25 0.26 0.33 0.41 0.53 0.64 0.75 0.84 0.92 0.96 0.46 0.44 0.43 0.41 0.39 25
0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 0.48 0.45 0.44 0.42 0.40 0.39 26
0.27 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 0.49 0.46 0.45 0.43 0.41 0.40 0.38 27
0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 0.49 0.47 0.46 0.44 0.42 0.41 0.39 0.39 28
0.43 0.56 0.67 0.79 0.88 0.96 0.98 0.49 0.47 0.47 0.45 0.43 0.42 0.40 0.40 0.40 29
0.55 0.67 0.78 0.87 0.94 0.98 0.49 0.48 0.47 0.46 0.44 0.43 0.41 0.41 0.41 0.41 30
0.65 0.75 0.81 0.86 0.90 0.48 0.48 0.47 0.46 0.45 0.44 0.42 0.42 0.42 0.42 0.42 31
0.71 0.77 0.80 0.83 0.47 0.46 0.46 0.45 0.45 0.44 0.43 0.43 0.43 0.43 0.43 0.41 32
0.68 0.73 0.76 0.44 0.46 0.44 0.44 0.44 0.44 0.44 0.42 0.43 0.43 0.43 0.43 0.41 33
0.63 0.68 0.41 0.42 0.43 0.41 0.41 0.41 0.42 0.42 0.40 0.42 0.43 0.43 0.42 0.41 34
0.56 0.38 0.39 0.40 0.40 0.38 0.39 0.39 0.39 0.41 0.39 0.41 0.42 0.43 0.42 0.41 35
0.32 0.36 0.37 0.37 0.37 0.35 0.36 0.37 0.38 0.39 0.39 0.41 0.42 0.42 0.43 0.43 36
0.30 0.33 0.36 0.35 0.35 0.34 0.35 0.35 0.37 0.38 0.39 0.40 0.41 0.43 0.44 0.45 37
0.28 0.32 0.34 0.34 0.34 0.33 0.34 0.35 0.36 0.38 0.39 0.40 0.42 0.44 0.46 0.49 38
0.27 0.30 0.33 0.33 0.34 0.33 0.34 0.35 0.37 0.39 0.41 0.42 0.44 0.47 0.50 0.54 39
0.25 0.28 0.31 0.32 0.33 0.33 0.34 0.36 0.38 0.40 0.42 0.44 0.47 0.52 0.56 0.60 40
0.24 0.27 0.30 0.31 0.33 0.34 0.35 0.37 0.39 0.41 0.44 0.47 0.52 0.57 0.62 0.67 41
0.24 0.26 0.29 0.31 0.33 0.35 0.37 0.38 0.41 0.44 0.47 0.51 0.57 0.63 0.69 0.73 42
0.25 0.27 0.30 0.32 0.34 0.37 0.38 0.41 0.44 0.47 0.51 0.56 0.62 0.69 0.75 0.81 43
0.25 0.28 0.30 0.33 0.36 0.38 0.41 0.44 0.47 0.52 0.57 0.62 0.69 0.76 0.83 0.91 44
0.27 0.29 0.32 0.35 0.38 0.41 0.44 0.47 0.52 0.58 0.63 0.69 0.75 0.83 0.91 1.01 45
0.28 0.31 0.34 0.37 0.40 0.43 0.47 0.51 0.57 0.63 0.69 0.75 0.83 0.92 1.02 1.13 46
0.28 0.32 0.35 0.38 0.42 0.46 0.51 0.56 0.62 0.69 0.75 0.83 0.92 1.03 1.14 1.27 47
0.28 0.32 0.36 0.40 0.44 0.49 0.55 0.60 0.67 0.74 0.82 0.91 1.02 1.15 1.28 1.43 48
0.28 0.33 0.37 0.42 0.48 0.53 0.59 0.65 0.72 0.80 0.90 1.00 1.14 1.29 1.43 1.61 49
0.28 0.34 0.39 0.45 0.51 0.57 0.63 0.70 0.78 0.86 0.97 1.10 1.26 1.43 1.60 1.82 50
0.28 0.35 0.42 0.49 0.56 0.62 0.70 0.77 0.86 0.95 1.07 1.22 1.40 1.60 1.81 2.05 51
0.30 0.38 0.45 0.53 0.61 0.69 0.77 0.85 0.94 1.04 1.91 1.35 1.55 1.78 2.03 2.28 52
0.32 0.41 0.50 0.59 0.68 0.76 0.84 0.94 1.04 1.15 1.30 1.49 1.71 1.98 2.26 2.56 53
0.35 0.46 0.56 0.65 0.74 0.84 0.93 1.03 1.15 1.26 1.43 1.63 1.88 2.18 2.54 2.87 54
0.38 0.50 0.62 0.72 0.82 0.92 1.02 1.14 1.25 1.38 1.57 1.79 2.07 2.42 2.84 3.25 55
0.42 0.56 0.69 0.80 0.91 1.01 1.12 1.24 1.38 1.51 1.73 1.99 2.33 2.75 3.25 3.80 56
0.45 0.61 0.75 0.88 1.00 1.11 1.23 1.36 1.50 1.65 1.91 2.24 2.63 3.12 3.72 4.42 57
0.49 0.66 0.82 0.96 1.09 1.21 1.33 1.48 1.63 1.80 2.12 2.51 2.97 3.54 4.25 5.06 58
0.53 0.71 0.89 1.04 1.18 1.31 1.44 1.59 1.75 1.96 2.35 2.81 3.36 4.03 4.80 5.77 59
0.56 0.77 0.96 1.13 1.27 1.42 1.56 1.72 1.89 2.14 2.60 3.15 3.80 4.55 5.43 6.52 60
0.61 0.83 1.04 1.24 1.40 1.55 1.71 1.8_ 2.03 2.35 2.88 3.51 4.24 5.07 6.06 7.23 61
0.66 0.91 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 62
0.70 0.99 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 63
0.75 1.08 1.37 1.65 1.91 2.14 2.37 2.61 2.90 3.20 3.89 4.74 5.77 6.98 8.41 10.04 64
0.80 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 65
0.86 1.29 1.67 2.01 2.35 2.66 2.95 3.24 3.54 3.89 4.72 5.76 7.06 8.62 10.48 12.62 66
0.93 1.42 1.83 2.21 2.58 2.92 3.24 3.55 3.88 4.27 5.19 6.36 7.82 9.59 11.71 14.13 67
1.00 1.54 2.01 2.42 2.81 3.16 3.50 3.85 4.22 4.65 5.69 7.00 8.63 10.62 13.01 15.90 68
1.08 1.68 2.18 2.62 3.03 3.39 3.75 4.13 4.56 5.04 6.21 7.69 9.51 11.72 14.50 17.73 69
1.1_ 1.83 2.38 2.84 3.26 3.63 4.00 4.41 4.91 5.45 6.77 8.44 10.47 13.01 16.15 19.73 70
1.28 2.02 2.62 3.12 3.55 3.93 4.33 4.78 5.33 5.96 7.42 9.25 11.54 14.34 17.81 21.83 71
1.42 2.24 2.91 3.44 3.88 4.29 4.73 5.21 5.78 6.52 8.13 10.20 12.73 15.82 19.67 24.24 72
1.59 2.50 3.24 3.82 4.29 4.74 5.20 5.71 6.31 7.14 8.95 11.23 14.04 17.49 21.77 26.64 73
1.79 2.81 3.64 4.27 4.79 5.27 5.77 6.30 6.93 7.87 9.85 12.36 15.49 19.35 23.96 29.31 74
2.01 3.17 4.08 4.77 5.36 5.88 6.41 6.96 7.67 8.69 10.85 13.61 17.09 21.28 26.38 32.29 75
2.26 3.53 4.54 5.30 5.95 6.51 7.07 7.69 8.47 9.56 11.92 14.94 18.69 23.34 28.95 35.51 76
2.54 3.91 5.00 5.86 6.56 7.17 7.80 8.48 9.34 10.54 13.11 16.34 20.47 25.59 31.76 39.05 77
2.86 4.34 5.52 6.46 7.18 7.86 8.55 9.31 10.27 11.60 14.34 17.87 22.41 28.05 34.81 42.95 78
3.22 4.86 6.12 7.08 7.85 8.57 9.32 10.17 11.28 12.70 15.68 19.55 24.53 30.72 38.11 47.13 79
3.62 5.41 6.75 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 80
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 81
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 82
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 83
5.60 7.31 8.91 10.46 12.03 13.64 15.40 17.39 19.65 22.14 26.98 32.99 40.55 49.91 61.41 75.05 84
6.21 7.76 9.40 11.16 13.08 15.13 17.36 19.80 22.45 25.22 30.55 37.01 45.05 55.00 67.41 82.71 85
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 86
_.45 9.32 11.29 13.40 15.70 18.16 20.84 23.78 26.95 30.29 36.59 44.23 53.74 65.50 80.17 98.24 87
_.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 88
8.78 10.98 13.30 15.78 18.49 21.39 24.54 28.00 31.74 35.67 42.99 51.86 62.89 76.54 94.20 116.23 89
9.28 11.60 14.06 16.69 19.55 22.61 25.95 29.60 33.55 37.70 45.40 54.70 66.28 81.13 99.83 123.16 90
ULTIMATE AGES 91 - 99
91 128.78 94 154.04 97 271.17
92 134.51 95 166.03 98 404.90
93 ______ 96 ______ 99 ______
3 CAT R-FACTORS 6/1/84 FEMALE SMOKER
DURATION
___ 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 ULT
---- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -----
0 2.32 0.52 0.33 0.25 0.2_ 0.18 0.15 0.14 0.13 0.11 ____ 0.11 0.12 0.15 0.19 0.24
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
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
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
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
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
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 0.76
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 0.77 0.74
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 0.79 0.75 0.72
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 0.80 0.76 0.73 0.71
10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.82 0.78 0.75 0.72 0.69
11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.83 0.79 0.76 0.73 0.70 0.68
12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.85 0.81 0.78 0.75 0.72 0.69 0.65
13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.85 0.82 0.79 0.76 0.73 0.71 0.67 0.67
14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.85 0.83 0.81 0.78 0.75 0.72 0.68 0.69 0.69
15 0.26 0.32 0.37 0.41 0.44 0.46 0.86 0.83 0.81 0.79 0.76 0.74 0.70 0.70 0.70 0.71
16 0.33 0.38 0.40 0.43 0.45 0.85 0.84 0.81 0.79 0.78 0.74 0.71 0.72 0.72 0.72 0.73
17 0.38 0.41 0.42 0.44 0.83 0.82 0.80 0.79 0.77 0.76 0.73 0.74 0.74 0.74 0.74 0.73
18 0.39 0.41 0.43 0.79 0.81 0.78 0.77 0.76 0.75 0.74 0.71 0.73 0.74 0.75 0.75 0.72
19 0.38 0.41 0.74 0.75 0.75 0.73 0.72 0.71 0.71 0.71 0.69 0.72 0.74 0.75 0.74 0.73
20 0.36 0.68 0.70 0.71 0.70 0.66 0.67 0.67 0.68 0.69 0.68 0.71 0.73 0.75 0.75 0.74
21 0.57 0.64 0.66 0.66 0.65 0.61 0.63 0.63 0.65 0.67 0.68 0.70 0.73 0.74 0.77 0.77
22 0.53 0.60 0.63 0.63 0.62 0.60 0.60 0.61 0.63 0.66 0.68 0.70 0.73 0.76 0.79 0.81
23 0.51 0.57 0.61 0.61 0.60 0.58 0.59 0.60 0.63 0.66 0.68 0.71 0.75 0.79 0.83 0.89
24 0.48 0.54 0.58 0.59 0.59 0.58 0.59 0.61 0.63 0.67 0.71 0.73 0.79 0.84 0.91 0.99
25 0.46 0.51 0.56 0.57 0.59 0.59 0.60 0.62 0.65 0.69 0.74 0.78 0.85 0.93 1.01 1.10
26 0.45 0.50 0.55 0.57 0.60 0.61 0.63 0.66 0.69 0.74 0.79 0.85 0.94 1.04 1.13 1.22
27 0.46 0.50 0.55 0.59 0.62 0.65 0.68 0.71 0.75 0.81 0.87 0.95 1.05 1.17 1.27 1.35
28 0.48 0.52 0.57 0.62 0.66 0.70 0.73 0.78 0.83 0.90 0.97 1.07 1.17 1.30 1.40 1.52
29 0.51 0.55 0.60 0.66 0.71 0.75 0.80 0.86 0.92 1.02 1.11 1.20 1.31 1.44 1.56 1.70
30 0.55 0.60 0.66 0.71 0.77 0.83 0.89 0.96 1.05 1.16 1.26 1.36 1.47 1.61 1.75 1.90
31 0.58 0.65 0.70 0.76 0.83 0.90 0.97 1.06 1.18 1.30 1.40 1.51 1.64 1.79 1.94 2.12
32 0.61 0.68 0.75 0.82 0.89 0.97 1.07 1.18 1.31 1.44 1.55 1.68 1.83 1.99 2.17 2.37
33 0.62 0.71 0.79 0.87 0.97 1.07 1.19 1.30 1.44 1.60 1.73 1.87 2.04 2.24 2.44 2.65
34 0.63 0.73 0.83 0.94 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 0.64 0.77 0.89 1.02 1.15 1.29 1.43 1.58 1.76 1.94 2.11 2.31 2.55 2.80 3.03 3.33
36 0.64 0.79 0.94 1.09 1.25 1.39 1.55 1.72 1.90 2.09 2.29 2.51 2.76 3.04 3.31 3.62
37 0.66 0.83 1.00 1.18 1.35 1.51 1.68 1.86 2.06 2.26 2.47 2.70 2.98 3.29 3.60 3.89
38 0.70 0.89 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 0.74 0.97 1.19 1.39 1.58 1.77 1.96 2.18 2.41 2.63 2.85 3.11 3.42 3.79 4.22 4.57
40 0.80 1.06 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 0.87 1.15 1.42 1.66 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 0.93 1.25 1.54 1.80 2.03 2.25 2.48 2.74 3.03 3.32 3.57 3.89 4.26 4.74 5.30 5.91
43 0.99 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 1.52 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 2.88 3.18 3.49 3.84 4.26 4.78 5.28 5.80 6.38 6.98 7.64 8.34
48 1.28 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 6.48 7.14 7.92 8.80 9.77 10.78
51 1.47 2.19 2.82 3.39 3.95 4.46 4.94 5.41 5.90 6.46 7.01 7.71 8.55 9.52 10.59 11.70
52 1.56 2.33 3.05 3.68 4.26 4.82 5.33 5.84 6.36 6.97 7.56 8.31 9.22 10.27 11.43 12.64
53 1.65 2.53 3.29 3.95 4.57 5.13 5.67 6.22 6.81 7.47 8.12 8.94 9.92 11.04 12.30 13.61
54 1.75 2.71 3.52 4.22 4.86 5.42 5.98 6.57 7.23 7.98 8.70 9.60 10.65 11.84 13.18 14.55
55 1.86 2.91 3.77 4.50 5.15 5.71 6.29 6.92 7.67 8.50 9.30 10.29 11.42 12.68 14.12 15.51
56 1.98 3.10 4.02 4.77 5.42 5.98 6.57 7.24 8.04 8.97 9.87 10.96 12.18 13.53 15.09 16.65
57 2.12 3.32 4.30 5.08 5.72 6.31 6.93 7.61 8.43 9.48 10.48 11.67 12.99 14.46 16.15 17.92
58 2.29 3.59 4.64 5.46 6.11 6.73 7.37 8.07 8.89 10.03 11.12 12.42 13.87 15.48 17.32 19.38
59 2.48 3.91 5.04 5.89 6.59 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 4.98 6.36 7.44 8.30 9.05 9.79 10.57 11.56 12.93 14.42 16.35 18.74 21.54 24.68 28.11
63 3.57 5.40 6.84 7.98 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 5.88 7.39 8.53 9.42 10.23 11.05 11.97 13.15 14.80 16.72 19.18 22.25 25.88 29.73 34.14
65 4.29 6.38 7.95 9.08 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 4.68 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 45.68
68 5.55 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 19.26 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 58.59 69.43 83.19
74 8.41 10.48 12.66 15.01 17.54 20.24 23.16 26.36 29.80 33.41 38.79 45.22 53.16 62.87 75.35 90.72
75 8.68 10.87 13.08 15.49 18.11 20.89 23.91 27.21 30.76 34.48 40.27 47.20 55.75 66.68 80.31 97.13
ULTIMATE AGES 91 - 99
91 100.51 94 116.56 97 203.06
92 103.91 95 124.33 98 303.21
93 ______ 96 ______ 99 ______
3 CAT R-FACTORS 6/1/84 FEMALE NON-SMOKER
DURATION
--------------------------------------------------------------------------------------------------------------
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 ULT
---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------
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
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
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
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
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
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
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 0.39
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 0.42 0.38
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 0.44 0.40 0.37
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 0.46 0.43 0.39 0.37
10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.48 0.45 0.42 0.39 0.36
11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.51 0.47 0.44 0.41 0.38 0.35
12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.53 0.49 0.46 0.43 0.40 0.37 0.34
13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.53 0.52 0.48 0.45 0.42 0.39 0.36 0.35
14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.53 0.52 0.50 0.47 0.44 0.41 0.38 0.37 0.36
15 0.26 0.32 0.37 0.41 0.44 0.46 0.54 0.52 0.51 0.49 0.46 0.44 0.40 0.39 0.38 0.37
16 0.33 0.38 0.40 0.43 0.45 0.53 0.52 0.51 0.50 0.49 0.45 0.42 0.41 0.40 0.39 0.38
17 0.38 0.41 0.42 0.44 0.52 0.51 0.50 0.49 0.48 0.47 0.44 0.44 0.42 0.41 0.40 0.38
18 0.39 0.41 0.43 0.49 0.50 0.49 0.48 0.47 0.47 0.46 0.43 0.43 0.43 0.42 0.40 0.38
19 0.38 0.41 0.46 0.47 0.47 0.45 0.45 0.44 0.44 0.45 0.42 0.43 0.43 0.42 0.40 0.38
20 0.36 0.42 0.44 0.44 0.44 0.42 0.42 0.42 0.42 0.43 0.41 0.42 0.42 0.42 0.40 0.39
21 0.36 0.40 0.42 0.41 0.40 0.38 0.39 0.40 0.41 0.42 0.41 0.42 0.42 0.42 0.41 0.40
22 0.33 0.37 0.40 0.39 0.38 0.37 0.38 0.38 0.39 0.41 0.41 0.41 0.42 0.42 0.43 0.42
23 0.32 0.36 0.38 0.38 0.37 0.37 0.37 0.38 0.39 0.41 0.42 0.42 0.43 0.44 0.45 0.47
24 0.30 0.34 0.36 0.37 0.37 0.36 0.37 0.38 0.40 0.42 0.43 0.43 0.45 0.47 0.49 0.51
25 0.29 0.32 0.35 0.36 0.37 0.37 0.37 0.39 0.41 0.43 0.45 0.46 0.49 0.52 0.54 0.57
26 0.28 0.31 0.34 0.36 0.38 0.38 0.40 0.41 0.43 0.46 0.48 0.51 0.54 0.58 0.61 0.63
27 0.29 0.31 0.34 0.37 0.39 0.41 0.42 0.44 0.47 0.51 0.53 0.56 0.60 0.64 0.68 0.69
28 0.30 0.33 0.36 0.39 0.41 0.44 0.46 0.49 0.52 0.56 0.59 0.63 0.67 0.71 0.74 0.77
29 0.32 0.35 0.38 0.41 0.44 0.47 0.50 0.54 0.58 0.64 0.67 0.71 0.75 0.79 0.82 0.86
30 0.34 0.38 0.41 0.44 0.48 0.52 0.55 0.60 0.66 0.73 0.76 0.80 0.83 0.88 0.91 0.95
31 0.35 0.39 0.43 0.47 0.51 0.55 0.59 0.65 0.72 0.79 0.83 0.87 0.92 0.97 1.01 1.06
32 0.36 0.41 0.45 0.49 0.53 0.58 0.64 0.70 0.78 0.86 0.91 0.96 1.01 1.07 1.13 1.20
33 0.36 0.41 0.46 0.51 0.56 0.62 0.69 0.76 0.84 0.93 0.99 1.05 1.12 1.19 1.27 1.34
34 0.36 0.42 0.48 0.54 0.60 0.67 0.74 0.82 0.91 1.00 1.07 1.15 1.24 1.33 1.41 1.51
35 0.36 0.43 0.49 0.57 0.64 0.72 0.80 0.88 0.98 1.08 1.16 1.25 1.36 1.47 1.57 1.70
36 0.35 0.44 0.52 0.60 0.69 0.77 0.85 0.94 1.04 1.15 1.24 1.35 1.48 1.61 1.74 1.88
37 0.36 0.45 0.54 0.64 0.73 0.82 0.91 1.01 1.12 1.23 1.34 1.45 1.60 1.75 1.91 2.05
38 0.37 0.48 0.58 0.69 0.78 0.87 0.97 1.08 1.19 1.31 1.42 1.56 1.71 1.90 2.08 2.26
39 0.39 0.51 0.63 0.73 0.83 0.93 1.04 1.15 1.27 1.39 1.51 1.66 1.84 2.05 2.29 2.49
40 0.42 0.55 0.67 0.79 0.89 0.99 1.10 1.22 1.34 1.47 1.61 1.77 1.96 2.22 2.51 2.78
41 0.45 0.60 0.73 0.86 0.96 1.07 1.19 1.31 1.45 1.59 1.74 1.91 2.14 2.43 2.77 3.12
42 0.48 0.64 0.79 0.92 1.04 1.15 1.27 1.41 1.55 1.70 1.88 2.09 2.35 2.67 3.06 3.50
43 0.50 0.68 0.84 0.98 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 0.53 0.72 0.89 1.05 1.18 1.31 1.44 1.58 1.73 1.94 2.19 2.49 2.84 3.25 3.71 4.28
45 0.56 0.76 0.94 1.11 1.25 1.38 1.52 1.67 1.83 2.07 2.37 2.72 3.12 3.55 4.07 4.69
46 0.59 0.80 1.00 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 0.62 0.85 1.07 1.27 1.45 1.60 1.76 1.93 2.15 2.41 2.81 3.25 3.77 4.35 5.01 5.77
48 0.65 0.91 1.15 1.37 1.57 1.75 1.92 2.11 2.35 2.61 3.03 3.54 4.13 4.80 5.57 6.43
49 0.68 0.97 1.23 1.48 1.71 1.91 2.10 2.31 2.56 2.82 3.28 3.84 4.51 5.29 6.19 7.19
50 0.71 1.03 1.32 1.59 1.85 2.08 2.30 2.52 2.77 3.04 3.54 4.16 4.92 5.81 6.85 8.02
51 0.76 1.14 1.46 1.76 2.05 2.31 2.56 2.81 3.06 3.35 3.90 4.58 5.41 6.42 7.59 8.90
52 0.82 1.25 1.61 1.94 2.25 2.55 2.82 3.08 3.36 3.68 4.28 5.02 5.95 7.06 8.37 9.84
53 0.89 1.36 1.77 2.12 2.46 2.76 3.05 3.34 3.66 4.02 4.68 5.50 6.52 7.75 9.20 10.84
54 0.96 1.48 1.92 2.30 2.65 2.96 3.27 3.59 3.95 4.36 5.10 6.02 7.14 8.48 10.07 11.85
55 1.0_ 1.62 2.10 2.50 2.86 3.17 3.49 3.84 4.26 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 3.78 4.16 4.63 5.16 6.07 7.20 8.55 10.13 12.04 14.16
57 1.26 1.98 2.56 3.02 3.41 3.75 4.12 4.53 5.02 5.64 6.65 7.90 9.36 11.09 13.18 15.57
58 1.41 2.21 2.86 3.36 3.76 4.14 4.54 4.97 5.47 6.18 7.28 8.65 10.26 12.17 14.47 17.20
59 1.58 2.49 3.21 3.75 4.20 4.61 5.03 5.48 6.01 6.78 7.98 9.46 11.24 13.36 16.00 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 10.36 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 6.26 6.77 7.31 7.99 8.94 10.53 12.61 15.26 18.51 22.37 26.88
63 2.53 3.82 4.85 5.66 6.28 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 4.27 5.37 6.20 6.84 7.43 8.02 8.69 9.55 10.75 12.80 15.47 18.89 23.11 27.90 33.65
65 3.19 4.75 5.92 6.76 7.44 8.07 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 7.32 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 10.58 11.75 13.13 14.79 16.72 20.08 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 9.66 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 5.95 7.40 8.93 10.57 12.36 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 8.09 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 8.84 10.68 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 13.60 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
ULTIMATE AGES 91 - 99
91 120.81 94 144.26 97 253.83
92 126.11 95 155.41 98 379.01
93 ___.__ 96 ___.__ 99 ___.__
3 CAT R-FACTORS 6/1/84 FEMALE PREFERRED NON-SMOKER
DURATION
-----------------------------------------------------------------------------------------------------------
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 ULT
---- ---- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -----
0 2.32 0.52 0.33 0.25 0.20 0.18 0.15 0.14 0.13 0.11 0.__ 0.11 0.12 0.15 0.19 0.24
1 0.53 0.__ 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
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
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
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
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
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 0.31
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
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 0.34 0.32 0.30
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 0.35 0.33 0.31 0.29
10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.36 0.34 0.32 0.30 0.29
11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.37 0.35 0.33 0.31 0.30 0.28
12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.38 0.36 0.34 0.33 0.31 0.29 0.27
13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.38 0.37 0.35 0.34 0.32 0.30 0.28 0.28
14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.38 0.37 0.36 0.35 0.33 0.31 0.29 0.29 0.29
15 0.26 0.32 0.37 0.41 0.44 0.46 0.39 0.37 0.36 0.35 0.34 0.32 0.30 0.30 0.30 0.29
16 0.__ 0.38 0.40 0.43 0.45 0.38 0.38 0.37 0.36 0.35 0.33 0.31 0.31 0.31 0.31 0.30
17 0.38 0.41 0.42 0.44 0.37 0.37 0.36 0.36 0.35 0.34 0.32 0.32 0.32 0.32 0.31 0.30
18 0.39 0.41 0.43 0.36 0.36 0.35 0.34 0.34 0.34 0.33 0.32 0.32 0.32 0.32 0.32 0.30
19 0.3_ 0.41 0.33 0.34 0.34 0.33 0.32 0.32 0.32 0.32 0.31 0.32 0.32 0.32 0.31 0.30
20 0.36 0.30 0.32 0.32 0.32 0.30 0.30 0.30 0.30 0.31 0.30 0.31 0.32 0.32 0.32 0.31
21 0.26 0.29 0.30 0.30 0.29 0.28 0.28 0.28 0.29 0.30 0.30 0.31 0.31 0.32 0.32 0.32
22 0.24 0.27 0.28 0.28 0.28 0.27 0.27 0.27 0.28 0.30 0.30 0.31 0.32 0.33 0.34 0.34
23 0.23 0.26 0.27 0.27 0.27 0.26 0.27 0.27 0.28 0.30 0.30 0.31 0.33 0.34 0.35 0.37
24 0.22 0.24 0.26 0.27 0.27 0.26 0.26 0.27 0.29 0.30 0.31 0.32 0.34 0.36 0.39 0.41
25 0.21 0.2_ 0.25 0.26 0.26 0.26 0.27 0.28 0.29 0.31 0.33 0.34 0.37 0.40 0.43 0.46
26 0.20 0.22 0.25 0.26 0.27 0.28 0.28 0.30 0.31 0.33 0.35 0.37 0.41 0.44 0.48 0.50
27 0.21 0.22 0.25 0.26 0.28 0.29 0.30 0.32 0.34 0.36 0.39 0.42 0.45 0.49 0.53 0.55
28 0.22 0.23 0.26 0.28 0.30 0.31 0.33 0.35 0.37 0.40 0.43 0.47 0.50 0.55 0.58 0.62
29 0.23 0.25 0.27 0.29 0.32 0.34 0.36 0.39 0.42 0.46 0.49 0.52 0.56 0.60 0.64 0.68
30 0.25 0.27 0.30 0.32 0.35 0.37 0.40 0.43 0.47 0.52 0.56 0.59 0.63 0.67 0.71 0.76
31 0.26 0.28 0.31 0.34 0.36 0.40 0.43 0.47 0.52 0.57 0.61 0.65 0.69 0.74 0.79 0.85
32 0.26 0.29 0.32 0.35 0.38 0.42 0.46 0.51 0.56 0.62 0.66 0.71 0.76 0.82 0.88 0.96
33 0.26 0.30 0.33 0.37 0.41 0.45 0.50 0.55 0.61 0.67 0.72 0.78 0.84 0.92 0.99 1.07
34 0.26 0.30 0.34 0.39 0.43 0.48 0.54 0.59 0.65 0.72 0.78 0.85 0.93 1.02 1.11 1.21
35 0.26 0.31 0.35 0.41 0.46 0.52 0.57 0.63 0.70 0.77 0.85 0.93 1.03 1.13 1.23 1.36
36 0.25 0.31 0.37 0.43 0.49 0.55 0.61 0.68 0.75 0.83 0.91 1.01 1.12 1.24 1.36 1.50
37 0.26 0.33 0.39 0.46 0.53 0.59 0.66 0.73 0.80 0.88 0.98 1.08 1.21 1.35 1.50 1.64
38 0.27 0.34 0.42 0.49 0.56 0.63 0.70 0.78 0.86 0.94 1.04 1.16 1.30 1.46 1.64 1.81
39 0.28 0.37 0.45 0.53 0.60 0.67 0.75 0.83 0.92 1.00 1.11 1.24 1.39 1.58 1.80 2.00
40 0.30 0.40 0.48 0.57 0.64 0.71 0.79 0.88 0.97 1.06 1.18 1.32 1.49 1.71 1.97 2.22
41 0.32 0.43 0.53 0.62 0.69 0.77 0.85 0.94 1.04 1.14 1.27 1.43 1.63 1.88 2.18 2.50
42 0.34 0.46 0.57 0.66 0.75 0.83 0.92 1.01 1.12 1.23 1.38 1.56 1.79 2.07 2.41 2.80
43 0.36 0.49 0.61 0.71 0.80 0.89 0.98 1.08 1.18 1.31 1.49 1.71 1.97 2.28 2.67 3.11
44 0.38 0.52 0.64 0.75 0.85 0.94 1.04 1.14 1.25 1.40 1.61 1.86 2.16 2.52 2.92 3.42
45 0.40 0.55 0.68 0.80 0.90 1.00 1.10 1.20 1.32 1.49 1.74 2.03 2.37 2.76 3.20 3.75
46 0.42 0.58 0.72 0.85 0.9_ 1.07 1.17 1.29 1.42 1.60 1.89 2.23 2.62 3.05 3.56 4.16
47 0.45 0.62 0.77 0.92 1.04 1.15 1.27 1.39 1.54 1.73 2.06 2.44 2.88 3.38 3.95 4.61
48 0.47 0.65 0.83 0.98 1.13 1.26 1.38 1.52 1.69 1.88 2.23 2.65 3.15 3.73 4.39 5.15
49 0.49 0.70 0.89 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 0.51 0.75 0.95 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 0.55 0.82 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 0.59 0.90 1.16 1.40 1.62 1.83 2.03 2.22 2.42 2.65 3.15 3.78 4.55 5.49 6.61 7.87
53 0.64 0.98 1.27 1.53 1.77 1.99 2.19 2.41 2.63 2.89 3.44 4.14 4.99 6.03 7.26 8.67
54 0.69 1.07 1.38 1.66 1.91 2.13 2.35 2.58 2.85 3.14 3.75 4.52 5.46 6.59 7.95 9.48
55 0.75 1.16 1.51 1.80 2.06 2.29 2.51 2.77 3.07 3.40 4.08 4.94 5.97 7.21 8.70 10.34
56 0.82 1.28 1.66 1.97 2.24 2.48 2.72 3.00 3.33 3.71 4.47 5.41 6.53 7.87 9.50 11.33
57 0.91 1.42 1.84 2.18 2.45 2.70 2.97 3.26 3.61 4.06 4.89 5.93 7.16 8.62 10.40 12.45
58 1.01 1.59 2.06 2.42 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 2.70 3.02 3.32 3.62 3.95 4.33 4.88 5.87 7.09 8.59 10.38 12.62 15.22
60 1.28 2.01 2.59 3.02 3.38 3.70 4.02 4.36 4.77 5.36 6.43 7.76 9.41 11.47 13.97 16.85
61 1.44 2.24 2.87 3.35 3.75 4.09 4.44 4.79 5.24 5.87 7.05 8.54 10.47 12.84 15.70 19.04
62 1.62 2.48 3.17 3.70 4.13 4.50 4.87 5.26 5.75 6.44 7.75 9.46 11.65 14.37 17.64 21.50
63 1.82 2.75 3.49 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 3.0_ 3.86 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 5.36 5.81 6.28 6.83 7.57 8.54 10.43 12.89 16.07 19.91 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 18.00 22.37 27.56 33.70
67 2.86 4.05 4.__ 5.67 6.31 6.91 7.5_ 8.68 9.39 10.62 13.10 16.22 20.20 25.12 31.01 37.90
68 3.18 4.33 5.27 6.09 6.85 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 4.60 5.58 6.51 7.46 8.45 9.53 10.76 12.17 13.68 16.80 20.68 25.56 31.59 39.00 47.81
70 3.92 4.88 5.88 6.95 8.13 9.39 10.76 12.28 13.89 15.57 19.10 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._6 7.69 9.11 10.66 12.30 14.07 16.02 18.11 20.30 25.41 31.63 39.38 49.02 61.08 76.59
74 5.49 6.84 8.26 9.79 11.45 13.21 15.11 17.20 19.44 21.80 27.46 34.36 42.97 53.67 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
ULTIMATE AGES 91 - 99
91 96.65 94 115.41 97 203.06
92 100.89 95 124.33 98 303.21
__ ______ __ ______ __ ______
________________________________ MALE SMOKER
DURATION
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 ULT AGE
----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ---
0 3._5 0.73 0.46 0.35 0.28 0.25 0.21 0.20 0.18 0.16 0.1_ 0.21 0.25 0.35 0.47 0.65 15
1 0._8 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._1 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 1.01 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 1.03 0.99 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 1.04 1.00 0.97 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 1.05 1.01 0.98 0.96 24
10 0.25 0.25 0.26 0.33 0.41 0.53 0.64 0.75 0.84 0.92 0.96 1.06 1.03 1.00 0.98 0.95 25
11 0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 1.08 1.04 1.01 0.99 0.96 0.94 26
12 0.27 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 1.09 1.05 1.02 1.00 0.97 0.95 0.91 27
13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 1.09 1.06 1.03 1.01 0.98 0.96 0.92 0.94 28
14 0.43 0.56 0.67 0.79 0.88 0.96 0.98 1.09 1.06 1.04 1.02 0.99 0.97 0.93 0.95 0.95 29
15 0.55 0.67 0.78 0.87 0.94 0.98 1.09 1.06 1.04 1.02 1.00 0.98 0.94 0.96 0.97 0.98 30
16 0.65 0.75 0.81 0.86 0.90 1.07 1.07 1.05 1.03 1.02 0.98 0.96 0.97 0.98 0.99 1.00 31
17 0.71 0.77 0.80 0.83 1.05 1.04 1.03 1.02 1.01 1.00 0.97 0.99 0.99 1.01 1.01 0.99 32
18 0.68 0.73 0.76 0.99 1.02 0.99 0.98 0.98 0.98 0.98 0.94 0.97 1.00 1.01 1.01 0.98 33
19 0.64 0.68 0.93 0.95 0.95 0.92 0.92 0.92 0.93 0.94 0.91 0.96 0.99 1.01 1.00 0.98 34
20 0.56 0.84 0.88 0.89 0.89 0.85 0.87 0.87 0.88 0.91 0.89 0.95 0.97 1.00 1.00 0.99 35
21 0.71 0.80 0.83 0.83 0.82 0.78 0.81 0.82 0.85 0.88 0.89 0.93 0.96 0.99 1.02 1.02 36
22 0.66 0.75 0.80 0.79 0.78 0.76 0.78 0.79 0.82 0.86 0.89 0.91 0.96 1.00 1.05 1.07 37
23 0.64 0.71 0.77 0.77 0.77 0.75 0.76 0.78 0.81 0.86 0.89 0.92 0.98 1.04 1.08 1.18 38
24 0.60 0.67 0.73 0.75 0.75 0.75 0.76 0.78 0.82 0.87 0.92 0.95 1.03 1.10 1.19 1.30 39
25 0.57 0.6_ 0.70 0.73 0.75 0.75 0.77 0.80 0.84 0.89 0.95 1.01 1.10 1.22 1.32 1.45 40
26 0.54 0.61 0.67 0.70 0.74 0.76 0.79 0.82 0.86 0.92 1.00 1.08 1.20 1.34 1.48 1.61 41
27 0.54 0.59 0.65 0.70 0.75 0.78 0.82 0.86 0.91 0.98 1.06 1.18 1.33 1.49 1.65 1.79 42
28 0.55 0.60 0.66 0.72 0.77 0.82 0.86 0.91 0.98 1.05 1.17 1.30 1.46 1.65 1.82 2.01 43
29 0.57 0.62 0.68 0.74 0.81 0.86 0.92 0.98 1.05 1.17 1.30 1.44 1.61 1.81 2.02 2.25 44
30 0.60 0.66 0.72 0.78 0.85 0.92 0.98 1.06 1.17 1.29 1.44 1.60 1.78 2.01 2.25 2.53 45
31 0.66 0.70 0.77 0.84 0.91 0.99 1.07 1.17 1.31 1.44 1.60 1.77 1.98 2.24 2.50 2.82 46
32 0.66 0.74 0.82 0.89 0.98 1.07 1.18 1.30 1.45 1.60 1.77 1.98 2.22 2.50 2.80 3.16 47
33 0.67 0.77 0.86 0.96 1.06 1.17 1.30 1.44 1.59 1.77 1.97 2.20 2.48 2.80 3.15 3.53 48
34 0.68 0.80 0.91 1.02 1.16 1.29 1.43 1.59 1.76 1.95 2.18 2.45 2.78 3.15 3.52 3.97 49
35 0.69 0.83 0.96 1.12 1.26 1.42 1.57 1.74 1.94 2.14 2.41 2.72 3.10 3.51 3.93 4.46 50
36 0.71 0.89 1.05 1.23 1.40 1.57 1.76 1.95 2.16 2.38 2.68 3.03 3.44 3.90 4.38 4.93 51
37 0.76 0.96 1.16 1.37 1.57 1.76 1.96 2.18 2.41 2.66 2.99 3.36 3.80 4.32 4.85 5.39 52
38 0.83 1.06 1.30 1.53 1.75 1.96 2.19 2.44 2.69 2.97 3.31 3.71 4.18 4.75 5.35 5.95 53
39 0.91 1.20 1.46 1.72 1.95 2.19 2.44 2.72 3.01 3.30 3.66 4.08 4.60 5.21 5.93 6.58 54
40 1.01 1.34 1.64 1.94 2.18 2.44 2.72 3.03 3.34 3.67 4.04 4.49 5.04 5.74 6.56 7.33 55
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 56
42 1.23 1.66 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 57
43 1.34 1.81 2.25 2.63 2.98 3.31 3.65 4.04 4.45 4.93 5.48 6.13 6.90 7.84 8.98 10.25 58
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 59
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 9.64 10.89 12.37 60
46 1.69 2.31 2.88 3.42 3.88 4.31 4.74 5.22 5.76 6.52 7.48 8.35 9.41 10.56 11.87 13.40 61
47 1.81 2.50 3.14 3.74 4.27 4.73 5.21 5.74 6.38 7.19 8.12 9.14 10.29 11.55 12.96 14.53 62
48 1.93 2.71 3.43 4.10 4.72 5.26 5.79 6.38 7.12 7.94 8.88 9.97 11.23 12.61 14.16 15.82 63
49 2.06 2.94 3.75 4.50 5.23 5.85 6.47 7.13 7.92 8.74 9.70 10.86 12.22 13.75 15.45 17.27 64
50 2.19 3.20 4.10 4.95 5.76 6.49 7.20 7.93 8.72 9.59 10.57 11.80 13.28 14.95 16.83 18.82 65
51 2.31 3.45 4.46 5.38 6.27 7.10 7.89 8.66 9.48 10.40 11.45 12.79 14.41 16.30 18.42 20.70 66
52 2.45 3.72 4.82 5.82 6.77 7.67 8.51 9.34 10.21 11.22 12.37 13.83 15.63 17.73 20.11 22.65 67
53 2.59 3.99 5.19 6.25 7.25 8.17 9.04 9.94 10.91 12.01 13.31 14.93 16.90 19.21 21.86 24.90 68
54 2.75 4.27 5.55 6.67 7.70 8.61 9.52 10.50 11.59 12.81 14.27 16.09 18.25 20.76 23.84 27.17 69
55 2.92 4.57 5.95 7.10 8.15 9.08 10.01 11.04 12.28 13.63 15.27 17.32 19.69 22.58 26.00 29.59 70
56 3.10 4.87 6.33 7.53 8.58 9.50 10.47 11.55 12.87 14.38 16.22 18.45 21.15 24.28 28.02 32.07 71
57 3.33 5.22 6.78 8.03 9.06 10.02 11.03 12.15 13.50 15.20 17.22 19.77 22.73 26.16 30.27 34.87 72
58 3.59 5.65 7.32 8.62 9.68 10.69 11.74 12.88 14.22 16.10 18.38 21.17 24.13 28.23 32.77 37.53 73
59 3.90 6.14 7.94 9.31 10.44 11.50 12.58 13.74 15.11 17.16 19.63 22.65 26.26 30.50 35.25 40.42 74
60 4.24 6.68 8.62 10.07 11.31 12.41 13.52 14.69 16.19 18.33 20.98 24.26 28.24 32.74 37.95 43.60 75
61 4.65 7.26 9.64 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 76
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 77
63 5.61 8.51 10.82 12.65 14.08 15.40 16.74 18.23 20.13 22.73 25.92 29.95 34.98 40.95 47.69 55.38 78
64 6.16 9.22 11.70 13.54 15.02 16.39 17.83 19.45 21.56 24.29 27.72 32.10 37.58 44.06 51.36 59.84 79
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 80
66 7.38 10.83 13.42 15.33 17.01 18.62 20.35 22.37 24.94 28.18 32.19 37.33 43.73 51.31 59.87 69.49 81
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 82
68 8.78 11.97 14.65 17.01 19.27 21.49 23.90 26.72 30.08 33.96 38.63 44.44 51.63 60.19 70.11 80.97 83
69 9.54 12.47 15.18 17.83 20.50 23.25 26.25 29.65 33.50 37.74 42.73 48.79 56.24 65.16 75.74 87.71 84
70 10.35 12.93 15.67 18.61 21.80 25.22 28.93 33.01 37.41 42.04 47.35 53.60 61.25 70.48 81.70 95.12 85
71 11.10 13.88 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 86
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 87
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 86.51 100.18 117.37 88
74 13.45 16.82 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 89
75 13.97 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 90
ULTIMATE AGES 91 - 99
91 133.93 94 155.58 97 271.17
92 138.55 95 166.03 98 404.90
DURATION
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 ULT AGE
----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ---
0 3.75 0.73 0.46 0.35 0.28 0.25 0.21 0.20 0.18 0.16 0.__ 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.__ 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 0.53 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 0.55 0.52 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 0.58 0.54 0.51 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 0.60 0.56 0.53 0.50 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 0.59 0.55 0.53 0.49 25
11 0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 0.65 0.61 0.58 0.55 0.52 0.49 26
12 0.27 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 0.67 0.63 0.60 0.57 0.54 0.51 0.48 27
13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 0.68 0.66 0.62 0.59 0.56 0.53 0.50 0.49 28
14 0.43 0.56 0.67 0.79 0.88 0.96 0.98 0.68 0.66 0.65 0.62 0.58 0.56 0.52 0.51 0.50 29
15 0.55 0.67 0.78 0.87 0.94 0.98 0.68 0.66 0.65 0.64 0.61 0.58 0.54 0.53 0.52 0.51 30
16 0.65 0.75 0.81 0.86 0.90 0.67 0.66 0.65 0.64 0.63 0.60 0.56 0.56 0.54 0.53 0.52 31
17 0.71 0.77 0.80 0.83 0.65 0.64 0.64 0.63 0.62 0.62 0.58 0.58 0.57 0.56 0.55 0.52 32
18 0.68 0.73 0.76 0.62 0.63 0.61 0.61 0.61 0.61 0.61 0.57 0.57 0.57 0.56 0.54 0.51 33
19 0.63 0.68 0.58 0.59 0.59 0.57 0.57 0.57 0.58 0.58 0.55 0.56 0.57 0.56 0.54 0.51 34
20 0.56 0.52 0.55 0.55 0.55 0.53 0.54 0.54 0.55 0.56 0.54 0.56 0.56 0.55 0.54 0.52 35
21 0.44 0.49 0.52 0.52 0.51 0.49 0.50 0.51 0.53 0.55 0.54 0.55 0.55 0.55 0.55 0.53 36
22 0.41 0.46 0.49 0.49 0.49 0.47 0.48 0.49 0.51 0.53 0.54 0.54 0.55 0.56 0.56 0.56 37
23 0.39 0.44 0.48 0.47 0.47 0.47 0.47 0.48 0.50 0.53 0.54 0.54 0.56 0.58 0.58 0.61 38
24 0.37 0.42 0.45 0.46 0.47 0.46 0.47 0.48 0.51 0.54 0.56 0.56 0.59 0.61 0.64 0.68 39
25 0.35 0.39 0.43 0.45 0.46 0.46 0.48 0.50 0.52 0.55 0.58 0.59 0.63 0.68 0.71 0.75 40
26 0.34 0.38 0.42 0.44 0.46 0.47 0.49 0.51 0.54 0.57 0.60 0.63 0.68 0.74 0.79 0.83 41
27 0.33 0.37 0.40 0.44 0.46 0.49 0.51 0.53 0.56 0.61 0.64 0.69 0.75 0.82 0.87 0.92 42
28 0.34 0.37 0.41 0.45 0.48 0.51 0.53 0.57 0.61 0.65 0.70 0.76 0.82 0.90 0.96 1.02 43
29 0.35 0.38 0.42 0.46 0.50 0.53 0.57 0.61 0.65 0.72 0.78 0.84 0.91 0.98 1.06 1.13 44
30 0.37 0.41 0.45 0.48 0.53 0.57 0.61 0.66 0.73 0.80 0.86 0.93 1.00 1.08 1.17 1.26 45
31 0.38 0.43 0.47 0.51 0.55 0.60 0.65 0.71 0.79 0.88 0.94 1.01 1.10 1.20 1.30 1.41 46
32 0.39 0.44 0.49 0.53 0.58 0.64 0.70 0.78 0.86 0.96 1.03 1.12 1.22 1.33 1.45 1.59 47
33 0.39 0.45 0.50 0.56 0.62 0.68 0.76 0.84 0.93 1.03 1.12 1.23 1.35 1.49 1.63 1.79 48
34 0.39 0.46 0.52 0.59 0.66 0.74 0.82 0.91 1.00 1.11 1.22 1.35 1.50 1.67 1.82 2.02 49
35 0.39 0.47 0.54 0.62 0.70 0.79 0.88 0.97 1.08 1.20 1.33 1.47 1.65 1.85 2.04 2.28 50
36 0.39 0.49 0.58 0.68 0.77 0.87 0.97 1.07 1.19 1.31 1.46 1.64 1.84 2.07 2.30 2.56 51
37 0.41 0.52 0.63 0.74 0.85 0.95 1.06 1.18 1.31 1.45 1.62 1.81 2.04 2.30 2.57 2.85 52
38 0.44 0.57 0.70 0.82 0.94 1.05 1.17 1.31 1.44 1.59 1.77 1.99 2.25 2.55 2.87 3.20 53
39 0.48 0.63 0.77 0.91 1.03 1.16 1.29 1.44 1.59 1.74 1.95 2.18 2.47 2.82 3.22 3.59 54
40 0.53 0.70 0.86 1.01 1.14 1.27 1.42 1.58 1.74 1.91 2.13 2.39 2.71 3.12 3.60 4.07 55
41 0.58 0.77 0.95 1.12 1.26 1.40 1.56 1.73 1.91 2.10 2.36 2.66 3.05 3.54 4.12 4.75 56
42 0.63 0.85 1.05 1.22 1.39 1.54 1.71 1.89 2.09 2.30 2.60 2.98 3.44 4.01 4.72 5.52 57
43 0.68 0.92 1.14 1.33 1.51 1.68 1.85 2.05 2.26 2.50 2.88 3.34 3.89 4.56 5.38 6.33 58
44 0.73 0.99 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 59
45 0.78 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 60
46 0.85 1.16 1.45 1.72 1.95 2.16 2.38 2.62 2.89 3.27 3.91 4.67 5.53 6.52 7.67 9.04 61
47 0.91 1.26 1.58 1.88 2.15 2.38 2.62 2.89 3.22 3.62 4.34 5.17 6.15 7.26 8.56 10.05 62
48 0.97 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 63
49 1.04 1.49 1.91 2.29 2.66 2.98 3.29 3.62 4.03 4.44 5.28 6.29 7.52 8.97 10.65 12.55 64
50 1.12 1.63 2.09 2.53 2.94 3.31 3.67 4.05 4.45 4.89 5.80 6.92 8.30 9.93 11.85 14.01 65
51 1.20 1.79 2.32 2.79 3.26 3.69 4.10 4.50 4.92 5.40 6.40 7.65 9.20 11.07 13.27 15.77 66
52 1.29 1.97 2.55 3.08 3.58 4.05 4.50 4.94 5.39 5.93 7.04 8.44 10.19 12.30 14.81 17.67 67
53 1.39 2.14 2.79 3.36 3.90 4.39 4.86 5.34 5.86 6.45 7.71 9.29 11.25 13.62 16.46 19.87 68
54 1.50 2.33 3.03 3.64 4.21 4.71 5.20 5.73 6.33 7.00 8.42 10.21 12.40 15.04 18.35 22.16 69
55 1.62 2.54 3.30 3.95 4.53 5.04 5.56 6.13 6.82 7.57 9.18 11.20 13.64 16.69 20.44 24.66 70
56 1.78 2.80 3.64 4.33 4.93 5.46 6.02 6.64 7.40 8.27 10.05 12.28 15.04 18.39 22.53 27.29 71
57 1.98 3.11 4.03 4.78 5.39 5.96 6.57 7.23 8.03 9.05 11.02 13.54 16.60 20.30 24.89 30.30 72
58 2.21 3.48 4.51 5.31 5.96 6.58 7.23 7.93 8.76 9.91 12.13 14.92 18.31 22.45 27.56 34.30 73
59 2.48 3.91 5.06 5.93 6.65 7.32 8.01 8.75 9.62 10.93 13.36 16.42 20.21 24.85 30.33 36.64 74
60 2.79 4.40 5.67 6.63 7.44 8.17 8.90 9.67 10.66 12.07 14.72 18.09 22.30 27.33 33.40 40.36 75
61 3.14 4.90 6.30 7.36 8.26 9.04 9.82 10.68 11.76 13.28 16.17 19.86 24.40 29.98 36.66 44.39 76
62 3.53 5.43 6.95 8.14 9.11 9.96 10.84 11.78 12.98 14.64 17.79 21.73 26.73 32.88 40.22 48.81 77
63 3.98 6.03 7.67 8.97 9.98 10.91 11.87 12.93 14.27 16.12 19.47 23.77 29.27 36.05 44.10 53.69 78
64 4.47 6.75 8.50 9.84 10.91 11.91 12.95 14.13 15.66 17.64 21.29 26.01 32.05 39.49 48.28 58.92 79
65 5.03 7.51 9.38 10.76 11.91 12.99 14.14 15.50 17.20 19.40 23.38 28.54 35.14 43.26 52.83 64.36 80
66 5.62 8.24 10.22 11.67 12.95 14.17 15.49 17.03 18.98 21.45 25.84 31.54 38.81 47.73 58.29 70.69 81
67 6.28 8.91 10.97 12.60 14.09 15.54 17.08 18.91 21.20 23.96 28.81 35.05 42.97 52.69 64.25 77.66 82
68 6.99 9.53 11.67 13.55 15.35 17.12 19.03 21.28 23.96 27.05 32.40 39.16 47.69 58.16 70.75 85.19 83
69 7.78 10.16 12.37 14.53 16.70 18.94 21.38 24.15 27.29 30.75 36.63 43.89 52.98 64.16 77.79 93.81 84
70 8.62 10.77 13.06 15.50 18.16 21.01 24.11 27.50 31.17 35.03 41.47 49.23 58.85 70.69 85.39 103.39 85
71 9.45 11.81 14.31 16.99 19.90 23.02 26.42 30.14 34.16 38.39 45.39 53.82 64.28 77.15 93.11 112.67 86
72 10.35 12.94 15.68 18.61 21.81 25.23 28.95 33.02 37.43 42.06 49.68 58.85 70.22 84.21 101.56 122.80 87
73 11.33 14.16 17.16 20.37 23.86 27.60 31.67 36.13 40.95 46.02 54.30 64.25 76.60 91.78 110.60 134.65 88
74 12.19 15.24 18.47 21.92 25.69 29.71 34.09 38.89 44.08 49.54 58.38 69.02 82.21 98.42 119.35 145.29 89
75 12.89 16.11 19.52 23.18 27.15 31.41 36.03 41.11 46.60 52.37 61.65 72.81 86.64 104.34 126.50 153.95 90
ULTIMATE AGES 91 - 99
91 160.97 94 192.55 97 338.96
92 168.14 95 207.54 98 506.13
93 177.85 96 247.86 99 774.60
FPNS
MEDICAL PROJECTED
AGE [X] [X+1] [X+2] [X+3] [X+4] [X+5] [X+6] [X+7] [X+8] [X+9] [X+10] [X+11]
--- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- --------
21 0.000309 0.000339 0.000348 0.000341 0.000330 0.000308 0.000311 0.000309 0.000311 0.000315 0.000320 0.000337
22 0.000294 0.000326 0.000339 0.000332 0.000321 0.000306 0.000304 0.000300 0.000306 0.000313 0.000324 0.000336
23 0.000287 0.000315 0.000333 0.000327 0.000319 0.000305 0.000303 0.000302 0.000307 0.000319 0.000331 0.000345
24 0.000275 0.000304 0.000323 0.000323 0.000318 0.000308 0.000304 0.000307 0.000316 0.000329 0.000349 0.000363
25 0.000267 0.000292 0.000315 0.000319 0.000321 0.000313 0.000313 0.000320 0.000330 0.000346 0.000371 0.000393
26 0.000258 0.000283 0.000305 0.000312 0.000321 0.000321 0.000325 0.000333 0.000347 0.000369 0.000396 0.000427
27 0.000258 0.000278 0.000299 0.000313 0.000326 0.000334 0.000343 0.000355 0.000374 0.000400 0.000431 0.000174
28 0.000267 0.000285 0.000305 0.000323 0.000339 0.000354 0.000366 0.000387 0.000412 0.000441 0.000480 0.000526
29 0.000278 0.000295 0.000315 0.000337 0.000360 0.000378 0.000400 0.000426 0.000455 0.000500 0.000542 0.000588
30 0.000294 0.000314 0.000338 0.000359 0.000386 0.000414 0.000438 0.000472 0.000516 0.000567 0.000612 0.000660
31 0.000301 0.000329 0.000351 0.000379 0.000408 0.000441 0.000473 0.000514 0.000568 0.000623 0.000672 0.000725
32 0.000308 0.000339 0.000368 0.000398 0.000433 0.000470 0.000514 0.000563 0.000621 0.000682 0.000737 0.000802
33 0.000307 0.000345 0.000381 0.000421 0.000463 0.000508 0.000561 0.000613 0.000675 0.000744 0.000811 0.000884
34 0.000303 0.000352 0.000397 0.000445 0.000498 0.000552 0.000608 0.000668 0.000735 0.000811 0.000889 0.000976
35 0.000304 0.000362 0.000416 0.000478 0.000535 0.000596 0.000657 0.000724 0.000801 0.000882 0.000974 0.001080
36 0.000300 0.000370 0.000435 0.000504 0.000572 0.000635 0.000706 0.000779 0.000859 0.000947 0.001053 0.001175
37 0.000306 0.000383 0.000459 0.000537 0.000610 0.000681 0.000756 0.000838 0.000925 0.001024 0.001141 0.001269
38 0.000318 0.000405 0.000493 0.000576 0.000656 0.000730 0.000811 0.000903 0.000999 0.001107 0.001226 0.001366
39 0.000335 0.000437 0.000529 0.000618 0.000701 0.000784 0.000871 0.000972 0.001080 0.001187 0.001316 0.001466
40 0.000356 0.000468 0.000569 0.000665 0.000750 0.000836 0.000935 0.001044 0.001156 0.001274 0.001410 0.001573
41 0.000381 0.000506 0.000622 0.000724 0.000817 0.000913 0.001016 0.001131 0.001256 0.001385 0.001535 0.001716
42 0.000406 0.000545 0.000669 0.000782 0.000887 0.000991 0.001100 0.001223 0.001359 0.001504 0.001675 0.001886
43 0.000430 0.000580 0.000717 0.000842 0.000957 0.001067 0.001182 0.001313 0.001457 0.001630 0.001833 0.002076
44 0.000452 0.000614 0.000765 0.000903 0.001022 0.001140 0.001264 0.001404 0.001557 0.001766 0.002004 0.002289
45 0.000478 0.000653 0.000816 0.000966 0.001093 0.001220 0.001355 0.001504 0.001674 0.001915 0.002197 0.002522
46 0.000504 0.000690 0.000867 0.001032 0.001176 0.001313 0.001460 0.001627 0.001814 0.002085 0.002414 0.002792
47 0.000529 0.000734 0.000925 0.001107 0.001274 0.001426 0.001587 0.001771 0.001996 0.002281 0.002652 0.003068
48 0.000554 0.000782 0.000994 0.001195 0.001391 0.001567 0.001744 0.001951 0.002210 0.002504 0.002896 0.003363
49 0.000579 0.000833 0.001070 0.001297 0.001523 0.001725 0.001933 0.002162 0.002444 0.002737 0.003163 0.003677
50 0.000605 0.000892 0.001154 0.001408 0.001659 0.001896 0.002134 0.002390 0.002669 0.002981 0.003440 0.004002
51 0.000647 0.000977 0.001275 0.001557 0.001841 0.002116 0.002388 0.002665 0.002961 0.003302 0.003793 0.004412
52 0.000696 0.001070 0.001402 0.001718 0.002028 0.002335 0.002630 0.002935 0.003258 0.003628 0.004168 0.004852
53 0.000748 0.001166 0.001538 0.001880 0.002218 0.002537 0.002855 0.003189 0.003547 0.003957 0.004562 0.005324
54 0.000808 0.001272 0.001679 0.002049 0.002404 0.002733 0.003070 0.003429 0.003936 0.004295 0.004976 0.005835
55 0.000875 0.001390 0.001938 0.002229 0.002600 0.002940 0.003287 0.003673 0.004136 0.004655 0.005423 0.006380
56 0.000956 0.001524 0.002014 0.002433 0.002816 0.003161 0.003529 0.003944 0.004453 0.005041 0.005903 0.006969
57 0.001054 0.001682 0.002219 0.002670 0.003055 0.003421 0.003816 0.004259 0.004792 0.005463 0.006425 0.007611
58 0.001171 0.001873 0.002467 0.002945 0.003350 0.003746 0.004169 0.004636 0.005179 0.005927 0.006993 0.008302
59 0.001310 0.002097 0.002749 0.003266 0.003708 0.004139 0.004587 0.005070 0.005638 0.006445 0.007608 0.009038
60 0.001468 0.002344 0.003063 0.003626 0.004125 0.004585 0.005058 0.005558 0.006166 0.007018 0.008276 0.009836
61 0.001650 0.002610 0.003397 0.004022 0.004574 0.005065 0.005566 0.006096 0.006750 0.007646 0.009040 0.010788
62 0.001856 0.002885 0.003743 0.004446 0.005034 0.005565 0.006102 0.006676 0.007381 0.008341 0.009886 0.011906
63 0.002086 0.003206 0.004130 0.004888 0.005500 0.006066 0.006641 0.007264 0.008035 0.009075 0.010846 0.013130
64 0.002347 0.003584 0.004568 0.005350 0.005985 0.006581 0.007190 0.007867 0.008725 0.009901 0.011887 0.014457
65 0.002637 0.003985 0.005032 0.005827 0.006500 0.007131 0.007786 0.008543 0.009545 0.010848 0.013063 0.015963
66 0.002954 0.004381 0.005486 0.006315 0.007048 0.007742 0.008479 0.009379 0.010525 0.011960 0.014498 0.017818
67 0.003304 0.004741 0.005889 0.006805 0.007641 0.008445 0.009335 0.010402 0.011719 0.013327 0.016222 0.019891
68 0.003686 0.005072 0.006253 0.007294 0.008284 0.009287 0.010385 0.011667 0.013221 0.015001 0.018214 0.022318
69 0.004103 0.005401 0.006609 0.007767 0.008997 0.010257 0.011627 0.013201 0.014996 0.016926 0.020556 0.025115
70 0.004549 0.005715 0.006954 0.008293 0.009760 0.011332 0.013063 0.014975 0.017003 0.019131 0.023235 0.028264
71 0.004990 0.006266 0.007623 0.009084 0.010677 0.012402 0.014293 0.016334 0.018536 0.020858 0.025500 0.031199
72 0.005472 0.006865 0.008346 0.009935 0.011683 0.013566 0.015595 0.017810 0.020213 0.022730 0.027977 0.034434
73 0.005983 0.007503 0.009112 0.010850 0.012754 0.014780 0.016976 0.019391 0.021993 0.024725 0.030641 0.037930
74 0.006431 0.008055 0.009784 0.011646 0.013671 0.015833 0.018187 0.020762 0.023541 0.026468 0.033007 0.041099
75 0.006777 0.008489 0.010310 0.012262 0.014383 0.016657 0.019124 0.021827 0.024749 0.027815 0.034919 0.043721
76 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
77 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
78 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
79 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
AGE [X+12] [X+13] [X+14] [X+15]
--- -------- -------- -------- --------
21 0.000352 0.000368 0.000387 0.000390
22 0.000355 0.000377 0.000400 0.000409
23 0.000370 0.000396 0.000418 0.000446
24 0.000393 0.000423 0.000460 0.000491
25 0.000427 0.000472 0.000510 0.000543
26 0.000471 0.000521 0.000566 0.000596
27 0.000523 0.000578 0.000627 0.000656
28 0.000578 0.000638 0.000689 0.000729
29 0.000643 0.000702 0.000763 0.000810
30 0.000715 0.000781 0.000847 0.000904
31 0.000789 0.000863 0.000939 0.001009
32 0.000874 0.000958 0.001049 0.001133
33 0.000972 0.001075 0.001183 0.001270
34 0.001086 0.001209 0.001323 0.001431
35 0.001210 0.001346 0.001479 0.001614
36 0.001316 0.001472 0.001626 0.001773
37 0.001425 0.001602 0.001783 0.001932
38 0.001534 0.001735 0.001951 0.002124
39 0.001652 0.001879 0.002145 0.002341
40 0.001780 0.002044 0.00__55 0.002607
41 0.001950 0.002243 0.002_00 0.002918
42 0.002144 0.002472 0.002872 0.003263
43 0.002370 0.002730 0.003171 0.003597
44 0.002622 0.003019 0.003470 0.003944
45 0.002900 0.003314 0.003799 0.004295
46 0.003213 0.003686 0.004231 0.004764
47 0.003553 0.004095 0.004706 0.005290
48 0.003914 0.004529 0.005234 0.005900
49 0.004291 0.005001 0.005816 0.006597
50 0.004694 0.005506 0.006453 0.007366
51 0.005178 0.006095 0.007168 0.008205
52 0.005704 0.006733 0.007933 0.009093
53 0.006270 0.007401 0.008736 0.010038
54 0.006874 0.008110 0.009581 0.010993
55 0.007525 0.008878 0.010499 0.012002
56 0.008230 0.009719 0.011503 0.013199
57 0.009006 0.010647 0.012612 0.014552
58 0.009847 0.011668 0.013850 0.016107
59 0.010755 0.012791 0.015315 0.017833
60 0.011738 0.014102 0.016934 0.019730
61 0.013034 0.015778 0.019033 0.022339
62 0.014476 0.017620 0.021375 0.025260
63 0.016049 0.019656 0.023955 0.028332
64 0.017783 0.021892 0.026620 0.031694
65 0.019713 0.024218 0.029543 0.035262
66 0.021993 0.027151 0.033288 0.039753
67 0.024590 0.030419 0.037425 0.044751
68 0.027558 0.034063 0.041992 0.050242
69 0.030882 0.038086 0.047003 0.056544
70 0.034585 0.042510 0.052473 0.063622
71 0.038389 0.047400 0.058780 0.071569
72 0.042588 0.052838 0.065801 0.080426
73 0.047158 0.058767 0.073492 0.090787
74 0.051348 0.064283 0.081221 0.100724
75 0.054897 0.069419 0.088079 0.109645
76 0.000000 0.000000 0.000000 0.114626
77 0.000000 0.000000 0.000000 0.119712
78 0.000000 0.000000 0.000000 0.126555
79 0.000000 0.000000 0.000000 0.136957
-------------------------------------------------------------------------------
Statutory Surplus by Scenario & Strategy Starting: 1/1/2003 for 10 years
Reference: Segments & Consolidated
-------------------------------------------------------------------------------
Risk Aversion Factor ............ 1.00(10*-9)
Strategy Combinations ........... 1
Scenarios ....................... 33
SEGMENTS CONSOLIDATED
--- STRATEGY --- - SCENARIO -
File Inv Dis File # 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
-------- --- --- ----- -- ------ ------- ------- ------- ------- ------- ------- ------- ------- -------
SPDA4Q02 1 1 CFT02 1 7,501K 10,692K 12,932K 14,883K 16,723K 18,461K 19,999K 21,331K 22,588K 24,018K
CFT02 2 7,213K 10,566K 13,236K 15,540K 17,676K 19,793K 21,633K 23,227K 24,624K 25,266K
CFT02 3 7,105K 10,521K 13,247K 15,532K 17,685K 19,807K 21,662K 23,279K 24,767K 27,064K
CFT02 4 7,224K 10,623K 13,183K 15,279K 17,228K 19,154K 20,871K 22,373K 23,799K 25,937K
CFT02 5 7,030K 10,377K 13,155K 15,677K 18,013K 20,250K 22,201K 23,852K 25,374K 25,952K
CFT02 6 6,819K 9,999K 12,951K 15,691K 18,207K 20,529K 22,437K 24,021K 25,422K 26,942K
CFT02 7 7,056K 10,193K 13,098K 15,713K 18,041K 20,139K 21,773K 23,190K 24,491K 26,541K
CFT02 8 7,205K 10,390K 13,076K 15,425K 17,624K 19,740K 21,560K 23,177K 24,701K 26,366K
CFT02 9 7,618K 10,815K 12,855K 14,559K 16,177K 17,703K 19,085K 20,327K 21,519K 22,921K
CFT02 10 6,920K 10,110K 12,990K 15,184K 16,886K 18,285K 19,461K 20,499K 21,556K 22,035K
CFT02 11 6,963K 10,306K 13,082K 15,578K 17,928K 20,195K 22,128K 23,810K 25,363K 26,684K
CFT02 12 7,077K 10,218K 13,114K 15,807K 18,280K 20,595K 22,601K 24,281K 25,778K 28,361K
CFT02 13 7,300K 10,791K 13,041K 14,791K 16,441K 18,070K 19,541K 20,859K 22,126K 22,886K
CFT02 14 7,159K 10,525K 13,278K 15,606K 17,693K 19,664K 21,429K 22,955K 24,391K 25,778K
CFT02 15 7,192K 10,309K 13,100K 15,554K 17,810K 19,949K 21,789K 23,299K 24,555K 25,349K
CFT02 16 7,000K 10,206K 13,055K 15,554K 17,651K 19,607K 21,297K 22,827K 24,250K 26,511K
CFT02 17 7,263K 10,460K 13,113K 15,439K 17,505K 19,493K 21,240K 22,756K 24,192K 25,919K
CFT02 18 7,218K 10,767K 13,137K 15,120K 16,898K 18,553K 20,002K 21,247K 22,450K 24,302K
CFT02 19 7,282K 10,628K 13,242K 15,431K 17,455K 19,291K 20,882K 22,209K 23,450K 25,225K
CFT02 20 7,124K 10,295K 13,220K 15,775K 18,075K 20,279K 22,189K 23,775K 25,208K 26,855K
CFT02 21 7,382K 10,458K 13,048K 15,376K 17,574K 19,655K 21,452K 22,985K 24,437K 26,027K
CFT02 22 6,986K 10,352K 13,184K 15,700K 18,049K 20,347K 22,229K 23,741K 25,066K 25,829K
CFT02 23 6,969K 10,110K 12,891K 15,220K 17,177K 18,855K 20,255K 21,499K 22,641K 23,586K
CFT02 24 7,335K 10,713K 13,104K 15,075K 16,930K 18,791K 20,442K 21,926K 23,305K 24,095K
CFT02 25 7,337K 10,534K 13,089K 15,354K 17,480K 19,549K 21,381K 23,015K 24,506K 26,333K
CFT02 26 7,490K 10,818K 13,052K 14,822K 16,449K 17,972K 19,325K 20,481K 21,601K 23,522K
CFT02 27 7,318K 10,661K 13,226K 15,415K 17,470K 19,498K 21,290K 22,876K 24,302K 24,685K
CFT02 28 7,158K 10,459K 13,321K 15,834K 17,904K 19,634K 20,975K 22,198K 23,378K 25,421K
CFT02 29 7,407K 11,143K 14,225K 16,651K 18,638K 20,444K 22,182K 23,763K 25,192K 26,214K
CFT02 30 7,658K 10,881K 12,709K 14,078K 15,357K 16,491K 17,507K 18,352K 19,238K 21,240K
CFT02 31 7,961K 10,811K 12,404K 13,640K 14,815K 15,880K 16,838K 17,656K 18,472K 19,861K
CFT02 32 7,332K 9,480K 10,757K 11,797K 12,809K 13,773K 14,675K 15,457K 16,298K 18,288K
CFT02 33 7,438K 9,879K 11,354K 12,545K 13,690K 14,775K 15,783K 16,654K 17,524K 19,518K
----------------------------------------------------------------------------------------------------------------------
NOTE: K indicates thousands; M indicates millions
--------------------------------------------------------------------------------
Statutory Surplus by Scenario & Strategy Starting: 1/1/2003 for 10 years
Reference: Segments & Consolidated
--------------------------------------------------------------------------------
Risk Aversion Factor ............ 1.00(10*-9)
Strategy Combinations ........... 1
Scenarios ....................... 33
SEGMENTS CONSOLIDATED
--- STRATEGY --- - SCENARIO -
File Inv Dis File # 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012
-------- --- --- ----- -- ------ ------- ------- ------- ------- ------- ------- ------- ------- -------
SPDA4Q02 1 1 CFT02 1 7,501K 10,692K 12,932K 14,883K 16,723K 18,461K 19,998K 21,330K 22,587K 24,017K
CFT02 2 7,213K 10,566K 13,236K 15,541K 17,675K 19,734K 21,465K 22,837K 24,008K 24,600K
CFT02 3 7,105K 10,521K 13,247K 15,533K 17,677K 19,764K 21,575K 23,152K 24,607K 26,857K
CFT02 4 7,224K 10,623K 13,183K 15,281K 17,225K 19,140K 20,843K 22,333K 23,746K 25,829K
CFT02 5 7,030K 10,377K 13,157K 15,675K 18,006K 20,233K 22,172K 23,812K 25,317K 25,889K
CFT02 6 6,820K 9,999K 12,902K 15,537K 17,892K 19,827K 21,323K 22,629K 23,864K 25,257K
CFT02 7 7,056K 10,198K 13,073K 15,647K 17,746K 19,383K 20,524K 21,551K 22,518K 24,132K
CFT02 8 7,205K 10,393K 13,033K 15,093K 16,953K 18,742K 20,299K 21,692K 23,030K 24,504K
CFT02 9 7,618K 10,815K 12,855K 14,559K 16,177K 17,703K 19,085K 20,327K 21,519K 22,920K
CFT02 10 6,920K 10,115K 12,909K 14,238K 15,083K 15,924K 16,697K 17,377K 18,206K 18,898K
CFT02 11 6,963K 10,306K 13,080K 15,572K 17,858K 19,933K 21,574K 22,990K 24,315K 25,478K
CFT02 12 7,077K 10,223K 13,086K 15,720K 18,126K 20,378K 22,333K 23,977K 25,454K 27,997K
CFT02 13 7,300K 10,791K 13,041K 14,791K 16,441K 18,070K 19,542K 20,859K 22,118K 22,870K
CFT02 14 7,159K 10,525K 13,278K 15,606K 17,693K 19,664K 21,428K 22,953K 24,368K 25,612K
CFT02 15 7,192K 10,324K 13,009K 15,192K 17,125K 18,967K 20,488K 21,656K 22,693K 23,473K
CFT02 16 7,000K 10,209K 13,054K 15,359K 16,960K 18,334K 19,505K 20,605K 21,691K 23,556K
CFT02 17 7,263K 10,461K 13,123K 15,339K 17,086K 18,735K 20,180K 21,456K 22,700K 24,227K
CFT02 18 7,218K 10,767K 13,137K 15,120K 16,898K 18,553K 20,002K 21,247K 22,450K 24,302K
CFT02 19 7,282K 10,628K 13,242K 15,431K 17,455K 19,290K 20,882K 22,208K 23,448K 25,223K
CFT02 20 7,124K 10,297K 13,218K 15,769K 18,066K 20,252K 22,013K 23,286K 24,440K 25,734K
CFT02 21 7,382K 10,462K 12,994K 15,119K 17,077K 18,937K 20,554K 21,950K 23,305K 24,812K
CFT02 22 6,986K 10,352K 13,185K 15,700K 18,018K 20,170K 21,740K 22,847K 23,899K 24,498K
CFT02 23 6,969K 10,123K 12,627K 14,387K 15,685K 16,795K 17,788K 18,755K 19,693K 20,404K
CFT02 24 7,335K 10,713K 13,104K 15,075K 16,931K 18,781K 20,343K 21,674K 22,887K 23,592K
CFT02 25 7,337K 10,534K 13,089K 15,357K 17,451K 19,469K 21,247K 22,826K 24,269K 26,032K
CFT02 26 7,490K 10,818K 13,052K 14,822K 16,449K 17,972K 19,325K 20,481K 21,601K 23,522K
CFT02 27 7,318K 10,661K 13,226K 15,418K 17,468K 19,457K 21,143K 22,559K 23,788K 24,055K
CFT02 28 7,158K 10,461K 13,325K 15,714K 17,343K 18,473K 19,347K 20,188K 21,063K 22,577K
CFT02 29 7,347K 10,722K 13,315K 15,215K 16,683K 18,009K 19,322K 20,536K 21,646K 22,266K
CFT02 30 7,658K 10,881K 12,709K 14,078K 15,357K 16,491K 17,507K 18,352K 19,238K 21,240K
CFT02 31 7,961K 10,811K 12,404K 13,640K 14,815K 15,880K 16,838K 17,656K 18,472K 19,861K
CFT02 32 7,332K 9,480K 10,757K 11,797K 12,809K 13,773K 14,675K 15,457K 16,298K 18,288K
CFT02 33 7,438K 9,879K 11,354K 12,545K 13,690K 14,775K 15,783K 16,654K 17,524K 19,518K
----------------------------------------------------------------------------------------------------------------------
NOTE: K indicates thousands; M indicates millions
ADDENDUM TO ALL REINSURANCE AGREEMENTS
between
Life Insurance Company of Virginia
(the Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(the Reinsurer)
herein collectively called the "Parties" or singularly, the "Party".
This Addendum (dated April 1, 1993) hereby amends and becomes part of the
Reinsurance Agreements(s) between the Parties.
The Parties agree to the following pursuant to Section 1.848-2(g)(8) of the IRS
Regulations issued December 1992:
1. The Party with the net positive consideration for this Reinsurance
Agreement will capitalize specified policy acquisition expenses
without regard to the general deductions limitations of Section
848(c)(l).
2. This election shall be effective for 1992 and for all subsequent
taxable years for which this Agreement remains in effect.
In addition, the Parties agree to exchange information pertaining to the amount
of net consideration as determined under Regulations 1.848-2(f) and 1.848-3 for
this Agreement each year to insure consistency or as is otherwise required by
the Internal Revenue Service. For Agreements administered by the Ceding Company
the exchange of information each year will follow the procedures set forth
below:
1. By May 1 of each year (by June 1 for tax year 1992), the Ceding
Company will submit a schedule to the Reinsurer of its calculation of
the net consideration for the preceding calendar year. This schedule
of calculations will be accompanied by a statement signed by an
officer of the Ceding Company stating the amount of net consideration
the Ceding Company will report in it's tax return for the preceding
calendar year.
2. Within thirty (30) days of the Reinsurer's receipt of the Ceding
Company's calculation, the Reinsurer may contest such calculation by
providing an alternate calculation to the Ceding Company in writing.
If the Reinsurer does not notify the Ceding Company, the Reinsured
will report the net consideration as determined by the Ceding Company
in the Reinsurer's tax return for the preceding year.
1
3. The Parties will act in good faith to reach an agreement as to the
correct amount within thirty (30) days of the date the Ceding Company
receives the Reinsurer's alternative calculation, if applicable. If
the Ceding Company and Reinsurer reach agreement on the amount of net
consideration, each Party shall report the applicable amount in their
respective tax returns for the preceding year.
For Agreements administered by the Reinsurer the exchange of information each
year will follow the procedures set forth below:
1. By May l of each year (by June 1 for tax year 1992), the Reinsurer
will submit a schedule to the Ceding Company of its calculation of the
net consideration for the preceding calendar year. This schedule of
calculations will be accompanied by a statement signed by an officer
of the Reinsurer stating the amount of net consideration the Reinsurer
will report in it's tax return for the preceding calendar year.
2. Within thirty (30) days of the Ceding Company's receipt of the
Reinsurer's calculation, the Ceding Company may contest such
calculation by providing an alternate calculation to the Reinsurer in
writing. If the Ceding Company does not notify the Reinsurer, the
Ceding Company will report the net consideration as determined by the
Reinsurer in the Ceding Company's tax return for the preceding year.
3. The Parties will act in good faith to reach an agreement as to the
correct amount within thirty (30) days of the date the Reinsurer
receives the Ceding Company's alternative calculation, if applicable.
If the Reinsurer and Ceding Company reach agreement on the amount of
net consideration, each Party shall report the applicable amount in
their respective tax returns for the preceding year.
The Reinsurer represents and warrants that it is subject to U.S. taxation under
Subchapter L of Chapter 1 of the Internal Revenue Code.
This Addendum does not alter, amend or modify this Reinsurance Agreement other
than as stated in this Addendum. This Addendum is subject to all of the terms
and conditions of the Reinsurance Agreement together with all Amendments and
Supplements.
2
Life Insurance Company of Virginia
By: /s/ Illegible
-------------------------------------
Date: 8/24/93
Title: __ V.P.
SECURITY LIFE OF DENVER INSURANCE COMPANY
By: /s/ Xxxxxx X. Xxxxxxxx
-------------------------------------
Date: April 27, 1993
Title: Second Vice President
3
(For DAC Tax Addendum)
Reinsurance Agreements between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Reinsurer)
Agreements Administered By Ceding Company
Company No. 0606
Treaty Effective Date
Number Agreement Year/Month/Day
------ --------------- --------------
0264 AUTO-MRT 85/11/01
0263 AUTO-TERM-COINS 85/11/01
0262 AUTO-YRT 85/11/01
Amendment No. 20
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to the following:
For issues of your Graded Premium Whole Life Product (Form No. P1410 -3/87)
issued on or after August 1, 1992 the parties agree to the following:
1. RETENTION LIMITS. Ceding Company's retention limits shall be the following:
Life Insurance
Ages Standard and Substandard
---- ------------------------
0-70 $500,000
71 and over $250,000
To avoid ceding minimal amounts of reinsurance, the Ceding Company shall
retain any amount above it's retention that does not exceed $100,000 for
ages 0-70 or $50,000 for ages 71 and over.
2. AUTOMATIC ACCEPTANCE LIMITS
The maximum amount of life insurance which Ceding Company can cede
automatically to Security Life shall be $2,250,000 for ages 01-70 and
$1,125,000 for ages 71-75.
It is understood that another reinsurer is also participating in the
reinsurance and the automatic acceptance limit as defined above is for each
participant separately.
The effective date of this amendment is August 1, 1992.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By: /s/ Illegible By: /s/ Xxxxxx X. Xxxxxxxx
---------------------------------- -----------------------------------
Title: __ Vice President Title: 2nd VP Reinsurance
Date: August 27, 1992 Date: June 26, 1992
ADDENDUM TO ALL REINSURANCE AGREEMENTS
between
Life Insurance Company of Virginia
(the Ceding Company)
and
Security Life of Denver Insurance Company
(the Reinsurer)
herein collectively called the "Parties" or singularly, the "Party".
This Addendum (dated April 1, 1993) hereby amends and becomes part of the
Reinsurance Agreements(s) between the Parties.
The Parties agree to the following pursuant to Section 1.848-2(g)(8) of the IRS
Regulations issued December 1992:
1. The Party with the net positive consideration for this Reinsurance
Agreement will capitalize specified policy acquisition expenses
without regard to the general deductions limitations of Section
848(c)(l).
2. This election shall be effective for 1992 and for all subsequent
taxable years for which this Agreement remains in effect.
In addition, the Parties agree to exchange information pertaining to the amount
of net consideration as determined under Regulations 1.848-2(f) and 1.848-3 for
this Agreement each year to insure consistency or as is otherwise required by
the Internal Revenue Service. For Agreements administered by the Ceding Company
the exchange of information each year will follow the procedures set forth
below:
1. By May 1 of each year (by June 1 for tax year 1992), the Ceding
Company will submit a schedule to the Reinsurer of its calculation of
the net consideration for the preceding calendar year. This schedule
of calculations will be accompanied by a statement signed by an
officer of the Ceding Company stating the amount of net
consideration the Ceding Company will report in it's tax return for
the preceding calendar year.
2. Within thirty (30) days of the Reinsurer's receipt of the Ceding
Company's calculation, the Reinsurer may contest such calculation by
providing an alternate calculation to the Ceding Company in writing.
If the Reinsurer does not notify the Ceding Company, the Reinsured
will report the net consideration as determined by the Ceding Company
in the Reinsurer's tax return for the preceding year.
1
3. The Parties will act in good faith to reach an agreement as to the
correct amount within thirty (30) days of the date the Ceding Company
receives the Reinsurer's alternative calculation, if applicable. If
the Ceding Company and Reinsurer reach agreement on the amount of net
consideration, each Party shall report the applicable amount in their
respective tax returns for the preceding year.
For Agreements administered by the Reinsurer the exchange of information each
year will follow the procedures set forth below:
1. By May 1 of each year (by June 1 for tax year 1992), the Reinsurer
will submit a schedule to the Ceding Company of its calculation of the
net consideration for the preceding calendar year. This schedule of
calculations will be accompanied by a statement signed by an officer
of the Reinsurer stating the amount of net consideration the Reinsurer
will report in it's tax return for the preceding calendar year.
2. Within thirty (30) days of the Ceding Company's receipt of the
Reinsurer's calculation, the Ceding Company may contest such
calculation by providing an alternate calculation to the Reinsurer in
writing. If the Ceding Company does not notify the Reinsurer, the
Ceding Company will report the net consideration as determined by the
Reinsurer in the Ceding Company's tax return for the preceding year.
3. The Parties will act in good faith to reach an agreement as to the
correct amount within thirty (30) days of the date the Reinsurer
receives the Ceding Company's alternative calculation, if applicable.
If the Reinsurer and Ceding Company reach agreement on the amount of
net consideration, each Party shall report the applicable amount in
their respective tax returns for the preceding year.
The Reinsurer represents and warrants that it is subject to U.S. taxation under
Subchapter L of Chapter 1 of the Internal Revenue Code.
This Addendum does not alter, amend or modify this Reinsurance Agreement other
than as stated in this Addendum. This Addendum is subject to all of the terms
and conditions of the Reinsurance Agreement together with all Amendments and
Supplements.
2
Life Insurance Company of Virginia
By: /s/ Illegible
-------------------------------------
Date: May 11, 1993
Title: __ V.P.
Security Life of Denver Insurance Company
By: /s/ Xxxxxx X. Xxxxxxxx
-------------------------------------
Date: April 27, 1993
Title: Second Vice President
3
ADDENDUM TO ALL REINSURANCE AGREEMENTS
between
,Life Insurance Company of Virginia
(the Ceding Company)
and
Security Life of Denver Insurance Company
(the Reinsurer)
herein collectively called the "Parties" or singularly, the "Party".
This Addendum (dated April 1, 1993) hereby amends and becomes part of the
Reinsurance Agreements(s) between the Parties.
The Parties agree to the following pursuant to Section 1.848-2(g)(8) of the IRS
Regulations issued December 1992:
1. The Party with the net positive consideration for this Reinsurance
Agreement will capitalize specified policy acquisition expenses
without regard to the general deductions limitations of Section
848(c)(l).
2. This election shall be effective for 1992 and for all subsequent
taxable years for which this Agreement remains in effect.
In addition, the Parties agree to exchange information pertaining to the amount
of net consideration as determined under Regulations 1.848-2(f) and 1.848-3 for
this Agreement each year to insure consistency or as is otherwise required by
the Internal Revenue Service. For Agreements administered by the Ceding Company
the exchange of information each year will follow the procedures set forth
below:
1. By May 1 of each year (by June 1 for tax year 1992), the Ceding
Company will submit a schedule to the Reinsurer of its calculation of
the net consideration for the preceding calendar year. This schedule
of calculations will be accompanied by a statement signed by an
officer of the Ceding Company stating the amount of net consideration
the Ceding Company will report in it's tax return for the preceding
calendar year.
2. Within thirty (30) days of the Reinsurer's receipt of the Ceding
Company's calculation, the Reinsurer may contest such calculation by
providing an alternate calculation to the Ceding Company in writing.
If the Reinsurer does not notify the Ceding Company, the Reinsured
will report the net consideration as determined by the Ceding Company
in the Reinsurer's tax return for the preceding year.
1
3. The Parties will act in good faith to reach an agreement as to the
correct amount within thirty (30) days of the date the Ceding Company
receives the Reinsurer's alternative calculation, if applicable. If
the Ceding Company and Reinsurer reach agreement on the amount of net
consideration, each Party shall report the applicable amount in their
respective tax returns for the preceding year.
For Agreements administered by the Reinsurer the exchange of information each
year will follow the procedures set forth below:
1. By May 1 of each year (by June 1 for tax year 1992), the Reinsurer
will submit a schedule to the Ceding Company of its calculation of the
net consideration for the preceding calendar year. This schedule of
calculations will be accompanied by a statement signed by an officer
of the Reinsurer stating the amount of net consideration the Reinsurer
will report in it's tax return for the preceding calendar year.
2. Within thirty (30) days of the Ceding Company's receipt of the
Reinsurer's calculation, the Ceding Company may contest such
calculation by providing an alternate calculation to the Reinsurer
in writing. If the Ceding Company does not notify the Reinsurer, the
Ceding Company will report the net consideration as determined by the
Reinsurer in the Ceding Company's tax return for the preceding year.
3. The Parties will act in good faith to reach an agreement as to the
correct amount within thirty (30) days of the date the Reinsurer
receives the Ceding Company's alternative calculation, if applicable.
If the Reinsurer and Ceding Company reach agreement on the amount of
net consideration, each Party shall report the applicable amount in
their respective tax returns for the preceding year.
The Reinsurer represents and warrants that it is subject to U.S. taxation under
Subchapter L of Chapter 1 of the Internal Revenue Code.
This Addendum does not alter, amend or modify this Reinsurance Agreement other
than as stated in this Addendum. This Addendum is subject to all of the terms
and conditions of the Reinsurance Agreement together with all Amendments and
Supplements.
2
Life Insurance Company of Virginia
By: /s/ Illegible
--------------------------------------
Date: May 11, 1993
Title: __ V.P.
Security Life of Denver Insurance Company
By: /s/ Xxxxxx X. Xxxxxxxx
--------------------------------------
Date: April 27, 1993
Title: Second Vice President
3
DAC TAX ARTICLE
The Reinsured and the Reinsurer hereby agree to the following pursuant to
section 1.848-2(g)(8) of the Income Tax Regulation issued December 1992, under
section 848 of the Internal Revenue Code of 1986, as amended. This election
shall be effective for 1992 and for all subsequent taxable years for which this
Agreement remains in effect.
1. The term "party" will refer to either the Reinsured or the Reinsurer as
appropriate.
2. The terms used in this Article are defined by reference to Regulation
section 1.848-2 in effect December, 1992.
3. 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)(l).
4. Both parties agree to exchange information pertaining to the amount of the
net consideration under this Agreement each year to ensure consistency or
as otherwise required by the Internal Revenue Service.
5. The Reinsured will submit a schedule to the Reinsurer by May 1 of each year
of its calculations of the net consideration for the preceding calender
year. This schedule of calculations will be accompanied by a statement
signed by an officer of the Reinsured stating that the Reinsured will
report such net consideration in its tax return for the preceding calender
year.
6. The Reinsurer may contest such calculation by providing an alternative
calculation to the Reinsured in writing within 30 days of the Reinsurer's
receipt of the Reinsured's calculation. If the Reinsurer does not so notify
the Reinsured, the Reinsurer will report the net consideration as
determined by the Reinsured in the Reinsurer's tax return for the previous
calendar year.
7. If the Reinsurer contests the Reinsured's calculation of the net
consideration, the parties will act in good faith to reach an agreement as
to the correct amount within thirty (30) days of the date the Reinsurer
submits its alternative calculation. If the Reinsured and the Reinsurer
reach agreement on an amount of net consideration, each party shall report
such amount in their respective tax returns for the previous calendar year.
SPECIAL DAC TAX
AMENDMENT
This Amendment, effective February 15, 1993, between THE LIFE INSURANCE COMPANY
OF VIRGINIA (referred to as Ceding Company; Reinsured; you, your), and SECURITY
LIFE OF DENVER INSURANCE COMPANY (referred to as Reinsurer; we, us, our), hereby
amends and becomes a part of the Automatic Reinsurance Agreement dated
November 1, 1985.
1.
The attached DAC Tax Article is hereby added to the Reinsurance Agreement.
2.
This Amendment does not alter, amend or modify the Reinsurance Agreement other
than as stated in this Amendment. This Amendment is subject to all of the terms
and conditions of the Reinsurance Agreement together with all other Amendments
and supplements thereto.
Executed in duplicate by Executed in duplicate by
THE LIFE INSURANCE SECURITY LIFE OF DENVER
COMPANY OF VIRGINIA INSURANCE COMPANY
at Richmond, Virginia at Denver, Colorado
on april 27, 1993 on May 4, 1993
By: /s/ Illegible By: /s/ Xxxxxx X. Xxxxxxxx
---------------------------------- -----------------------------------
Title __ V.P. Title 2nd V P Reinsurance
By: /s/ Illegible By: /s/ Illegible
---------------------------------- -----------------------------------
Title Illegible Title Illegible
Amendment No. 1
to the
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance
effective April 1, 1986 for automatic reinsurance)
Between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree as follows:
1. The following plans shall be reinsured under the terms and
conditions of the Agreement. Reinsurance shall be on the Yearly
Renewable Term basis. The reinsurance premiums applicable to these
plans shall be those shown in Exhibit G which is attached to this
Amendment.
A. American Agency Plans
Economizer - Form No. 104-NGPWL-R/2/80
Executive Reducing Term - Form No. 706-SL-ERT-R/2/80
5 Year Renewable and Convertible Term -
Form No. 604-SL-R&C(5)-R/6/80
10 Year Renewable and Convertible Term -
Form No. 604-SL-R&C(10)-R/6/80
Annual Renewable Term - Form No. 675-ART-ADJ-R/2/80
B. Life of Virginia Plans:
Econolife III - Form No. P1004-5/81
Equipar - Form No. P1013-5/81
Yearly Renewable Term - Form No. P1405-7/84
Reducing Term - Form No. P1422-5/81
Joint Whole Life - Form No. P1101-5/81
Joint Decreasing Term - Form No. P1501-5/81
Spartan Life - Form No. P1403-2/82
2. For any plans reinsured under this Agreement that are based on the
attached three category R-factors, the following percentages shall be
used when determining the reinsurance premiums as described in Exhibit
B.
Nonsmoker
Year Preferred Nonsmoker Standard Nonsmoker
---- ---------------------- ----------------------
1 0% 0%
2-10 150% + $.10 per $1000 143% + $.10 per $1000
11+ 111% + $.10 per $1000 113% + $.10 per $1000
EXHIBIT B
PLANS REINSURED/REINSURANCE PREMIUM RATES/RECAPTURE PERIOD
1. The following policy and supplemental benefit forms are eligible for
automatic reinsurance hereunder.
POLICY NAME ISSUE AGE
------------------------------ ---------
CHALLENGER 2000 0-75
(also known as CHALLENGER/MAX)
CHARGER/FT (flexible term) 0-75
CONTENDER II (New York Plan) 0-75
CONTENDER PLUS 0-75
aaPLUS UL 0-75
TEN YEAR TERM 21-64
Additional Insured Rider
Premium Waiver Benefit
Waiver Cost of Insurance Benefit
2. The following plans shall be reinsured on a Monthly Renewable Term basis.
The reinsurance premiums shall be as set forth below:
POLICY NAME
----------------------------
CHALLENGER 2000
CHARGER/FT
CONTENDER II (New York Plan)
CONTENDER PLUS
aaPLUS UL
Additional Insured Rider
The monthly standard reinsurance premiums per $1000 reinsured shall be the
following rates multiplied by 1/12th of the appropriate R-factors that are
attached to this Exhibit.
Year Preferred Nonsmoker Standard Nonsmoker
---- --------------------- ---------------------
1 0 0
2-10 150% + $.10 per $1000 143% + $.10 per $1000
11+ 111% + $.10 per $1000 113% + $.10 per $1000
Year Preferred Smoker Standard Smoker
---- --------------------- ---------------------
1 0 0
2-10 158% + $.10 per $1000 136% + $.10 per $1000
11+ 113% + $.10 per $1000 115% + $.10 per $1000
Substandard reinsurance premiums shall be at the appropriate multiple of
the standard rates.
(EXHIBIT B continued)
3. The following plans shall be reinsured on a Coinsurance basis.
The reinsurance premiums shall be as set forth below:
POLICY NAME
Ten Year Term
Additional Insured Rider
The coinsurance premium for each policy is, for the portion coinsured, the
annual premium on the policy, including substandard extra premium, if any.
(The annual premiums are shown on the appropriate pages attached to this
Exhibit.) The Ceding Company shall retain the full policy fee on each
policy coinsured. Security Life shall pay the Ceding Company coinsurance
allowances as described below:
Band I: ($50,000 - $99,999)
Year Pref. NS Std. NS Pref. SM Std. SM
----- -------- ------- -------- -------
1 100% 100% 100% 100%
2- 10 17% 27% 23% 25%
Band II: ($100,000 - $249,999)
Year Pref. NS Std. NS Pref. SM Std. SM
----- -------- ------- -------- -------
1 100% 100% 100% 100%
2- 10 17% 15% 11% 15%
4. Recapture Period:
The minimum number of years for a policy to be reinsured before it is
eligible for recapture is 10 years.
Smoker
Year Smoker
----- ---------------------
1 0%
2- 10 158% + $.10 per $1000
11+ 113% + $.10 per $1000
Substandard reinsurance premiums shall be at the appropriate
multiple of the standard rates.
3. Issues of your VL-Plus plan (form No. P1618 9/86 - issued by Virginia
Life Insurance Company of New York) shall be reinsured under the terms
and conditions of the Agreement. The reinsurance shall be on the
Monthly Renewable Term basis. The reinsurance premiums shall be
determined using the same R-factors and percentages described in
Exhibit B as for your aaPlus UL plan.
4. Issues of your T-Charger universal life plan shall be reinsured under
the terms and conditions of the Agreement. The reinsurance shall be on
the Monthly Renewable Term basis. The reinsurance premiums shall be
determined using the same R-factors and percentages described in
Exhibit B as for your aaPlus UL plan.
5. The coinsurance premiums for Band III of your Ten Year Term product
shall be those for Band II ($100,000 - $249,999) as described in
Exhibit B.
The provisions of this Amendment shall be effective on the effective date(s) of
the Agreement.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By /s/ Illegible By /s/ Xxxxxx X. Xxxxxxxx
----------------------------------- -----------------------------------
Title __ V.P.-Reins Title 2nd VP - Reinsurance
Date 11-3-86 Date Oct 28, 1986
Amendment No. 2
to the
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance
effective April 1, 1986 for automatic reinsurance)
Between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to reinsure under the terms and conditions of the Agreement
issues of your Graded Premium Whole Life product (Form No. ) where the
------
policy issue dates are on or after May 1, 1987, for issue ages 0-70.
In addition, the following conditions shall apply to the reinsurance of the
above named plan:
1. PLAN OF REINSURANCE AND REINSURANCE PREMIUMS:
a. Life Insurance:
This plan shall be reinsured on a Yearly Renewable Term basis as
described in PLAN OF REINSURANCE, Article VI of the Agreement.
The annual reinsurance premiums per $1000 reinsured shall be the
following percentages of the mortality costs shown attached to
this Amendment.
POLICY NAME
Graded Premium Whole Life
Preferred Preferred
Year Nonsmoker Nonsmoker Smoker Smoker
---- --------- --------- --------- ------
1+ 117.5% 107.5% 120% 105%
b. Flat Extra Premiums:
The following coinsurance allowances shall apply to flat extra
premiums:
First Year Renewal
---------- -------
Permanent Flat Extra
(For more than 5 years duration) 85% 15%
Temporary Flat Extra
(For 5 years or less duration) 0% 15%
c. Disability Waiver of Premium Benefit:
The following coinsurance allowances shall apply to disability
waiver of premium benefit.
First Year Renewal
---------- -------
100% 10%
d. Substandard reinsurance premiums shall be at the appropriate
multiple of the standard rates.
e. These reinsurance premiums also apply to policies which re-enter.
2. RETENTION LIMITS:
a. Life Insurance:
For this plan you shall retain for the subject life a maximum
amount of $500,000. The amount retained shall be determined as
follows:
LAYER A: An amount equal to $250,000
Plus
LAYER B: 20% of the excess over LAYER A.
The total of LAYERS A and B shall not exceed $500,000.
For this plan the minimum cession shall be $50,000.
b. Disability Waiver of Premium Benefit:
An amount equal to that attaching to the face amount of Life
coverage retained.
The above stated Retention Limits is a combined corporate retention
limit for the following three companies: Life Insurance Company of
Virginia, American Life Insurance Company, and Virginia Life Insurance
Company of New York.
3. AUTOMATIC ACCEPTANCE LIMITS:
The total maximum amount of life reinsurance which you can cede
automatically shall be $1,000,000.
It is understood that another reinsurer is also participating in the
reinsurance and the total automatic acceptance limit as defined above
is for each participant separately.
4. INFORCE AND APPLIED FOR LIMITS:
The total life insurance inforce, known to the Ceding Company, in all
companies plus the amount applied for in all companies on any one
life shall not exceed the following limits:
Issue Age Limits
--------- ------
0-70 $5,000,000
over 70 no automatic reinsurance available
5. PERCENTAGE REINSURED:
Policies and supplemental benefits reinsured automatically shall be
those plans shown above on which the Ceding Company's insured's
surname begins with the letters A-Z inclusive. For these policies and
bebefits, Security Life will automatically reinsure 50% of the excess
over the Ceding Company's Retention Limits as shown in number 2 to
this Amendment.
The effective date of this Amendment is May 1, 1987.
LIFE OF VIRGINIA SECURITY LIFE OF DENVER
INSURANCE COMPANY INSURANCE COMPAN
By /s/ Illegible By /s/ Illegible
----------------------------------- ------------------------------------
Title __ V.P. Title 2nd VP-Reinsurance
Date 7-17-87 Date July 2, 1987
FNS
MEDICAL PROJECTED
AGE [x] [x+1] [x+2] [x+3] [x+4] [x+5] [x+6] [x+7]
--- -------- -------- -------- -------- -------- -------- -------- --------
21 0.000429 0.000471 0.000494 0.000474 0.000459 0.000428 0.000433 0.000429
22 0.000409 0.000452 0.000471 0.000462 0.000446 0.000425 0.000422 0.000417
23 0.000399 0.000438 0.00046_ 0.000453 0.000443 0.000424 0.000420 0.000419
24 0.000382 0.000422 0.000448 0.000449 0.000442 0.000428 0.000422 0.000426
25 0.000370 0.000405 0.000437 0.000443 0.000445 0.000435 0.000434 0.000444
26 0.000359 0.000393 0.000424 0.000434 0.000446 0.000446 0.000451 0.000463
27 0.000359 0.000386 0.000415 0.000435 0.000453 0.000464 0.000477 0.000493
28 0.000370 0.000396 0.000423 0.000448 0.000471 0.000491 0.000509 0.000538
29 0.000387 0.000410 0.000437 0.000468 0.000500 0.000525 0.000556 0.000592
30 0.000408 0.000437 0.000469 0.000498 0.000536 0.000575 0.000608 0.000656
31 0.000418 0.000457 0.000488 0.000526 0.000567 0.000612 0.000656 0.000713
32 0.000427 0.000471 0.000511 0.000553 0.000601 0.000652 0.000714 0.000782
33 0.000426 0.000480 0.000529 0.000584 0.000643 0.000706 0.000779 0.000852
34 0.000421 0.000489 0.000552 0.000618 0.000692 0.000766 0.000845 0.000927
35 0.000422 0.000503 0.000578 0.000663 0.000744 0.000828 0.000912 0.001_06
36 0.000417 0.000514 0.000605 0.000700 0.000794 0.000882 0.000980 0.001082
37 0.000426 0.000533 0.000638 0.000746 0.000848 0.000946 0.001051 0.001164
38 0.000442 0.000563 0.000685 0.000800 0.000911 0.001014 0.001126 0.001254
39 0.000466 0.000606 0.000735 0.000858 0.000973 0.001088 0.001210 0.001350
40 0.000495 0.000650 0.000790 0.000924 0.001042 0.001162 0.001299 0.001451
41 0.000530 0.000702 0.000863 0.001006 0.001134 0.001268 0.001412 0.001571
42 0.000564 0.000757 0.000930 0.001086 0.001232 0.001376 0.001529 0.001699
43 0.000597 0.000805 0.000995 0.001169 0.001329 0.001482 0.001642 0.001824
44 0.000628 0.000853 0.001063 0.001254 0.001420 0.001584 0.001756 0.001949
45 0.000663 0.000907 0.001133 0.001342 0.001518 0.001695 0.001882 0.002088
46 0.000699 0.000959 0.001203 0.001433 0.001633 0.001824 0.002028 0.002259
47 0.000735 0.001020 0.001285 0.001538 0.001769 0.001981 0.002204 0.002459
48 0.000769 0.001086 0.001380 0.001660 0.001933 0.002176 0.002422 0.002710
49 0.000805 0.001157 0.001486 0.001802 0.002116 0.002396 0.002684 0.003004
50 0.000840 0.001239 0.001603 0.001955 0.002304 0.002633 0.002964 0.003319
51 0.000899 0.001356 0.001771 0.002162 0.002557 0.002939 0.003316 0.003700
52 0.000966 0.001486 0.001948 0.002386 0.002817 0.003243 0.003652 0.004076
53 0.001039 0.001620 0.002136 0.002611 0.003080 0.003523 0.003965 0.004429
54 0.001122 0.001766 0.002332 0.002046 0.003338 0.003796 0.004264 0.004764
55 0.001215 0.001930 0.002552 0.003096 0.003611 0.004084 0.004566 0.005102
56 0.001327 0.002117 0.002796 0.003380 0.003911 0.004391 0.004902 0.005479
57 0.001464 0.002336 0.003082 0.003708 0.004244 0.004753 0.005300 0.005915
58 0.001626 0.002601 0.003426 0.004091 0.004654 0.005204 0.005789 0.006439
59 0.001819 0.002912 0.003818 0.004537 0.005151 0.0057_7 0.006372 0.007042
60 0.002039 0.003256 0.004255 0.005037 0.005728 0.006368 0.007026 0.007720
61 0.002292 0.003625 0.004719 0.005586 0.006353 0.007036 0.007731 0.008467
62 0.002578 0.004008 0.005197 0.006175 0.006992 0.007730 0.008476 0.009273
63 0.002897 0.004452 0.005736 0.006790 0.007639 0.008426 0.009225 0.010088
64 0.003258 0.004978 0.006345 0.007431 0.008313 0.009141 0.009986 0.010928
65 0.003663 0.005535 0.006989 0.008094 0.009028 0.009903 0.010815 0.011865
66 0.004103 0.006085 0.007620 0.008771 0.009788 0.010754 0.011776 0.013028
67 0.004590 0.006586 0.008180 0.009451 0.010614 0.011730 0.012967 0.014449
68 0.005120 0.007046 0.008684 0.010132 0.011506 0.012900 0.014426 0.016208
69 0.005699 0.007501 0.009180 0.010816 0.012498 0.014248 0.016152 0.018334
70 0.006317 0.007939 0.009659 0.011519 0.013557 0.015743 0.018142 0.020800
71 0.006932 0.008703 0.010590 0.012617 0.014833 0.017224 0.019853 0.022684
72 0.007599 0.009536 0.011593 0.013801 0.016225 0.018844 0.021656 0.024736
73 0.008311 0.010421 0.012659 0.015068 0.017716 0.020525 0.023578 0.026934
74 0.008933 0.011189 0.013588 0.016177 0.018985 0.021989 0.025262 0.028835
75 0.009414 0.011790 0.014321 0.017028 0.019976 0.023136 0.026560 0.030318
76 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
77 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
78 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
79 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
AGE [x+8] [x+9] [x+10] [x+11] [x+12] [x+13] [x+14] [x+15]
--- -------- -------- -------- -------- -------- -------- -------- --------
21 0.000432 0.000438 0.000435 0.000448 0.000458 0.000470 0.000484 0.000488
22 0.000425 0.000435 0.000440 0.000447 0.000462 0.000481 0.0005_1 0.000511
23 0.000427 0.000443 0.000450 0.000458 0.000482 0.0005_6 0.0005__ 0.000558
24 0.000439 0.000457 0.000474 0.000483 0.000512 0.000540 0.000575 0.000614
25 0.000459 0.000481 0.000503 0.000523 0.000557 0.000602 0.000637 0.000679
26 0.000482 0.000512 0.000538 0.000568 0.000613 0.000665 0.000707 0.000745
27 0.000520 0.000556 0.000585 0.000630 0.000681 0.000737 0.000784 0.000320
28 0.000572 0.000613 0.000652 0.000700 0.000753 0.000814 0.000862 0.000911
29 0.000632 0.000695 0.000737 0.000782 0.000837 0.000896 0.000954 0.001012
30 0.0007__ 0.000787 0.000831 0.000877 0.000930 0.000997 0.001058 0.001130
31 0.000789 0.000865 0.000912 0.000964 0.001027 0.001101 0.001173 0.001262
32 0.000863 0.000948 0.001001 0.001067 0.001138 0.001222 0.00____ 0.001417
33 0.000938 0.001034 0.001101 0.001176 0.001265 0.001371 0.001478 0.0015_7
34 0.001020 0.001127 0.001208 0.001298 0.001414 0.001542 0.001653 0.001789
35 0.001113 0.001225 0.001323 0.001437 0.001575 0.001717 0.001850 0.00__17
36 0.001193 0.001316 0.001431 0.001562 0.001714 0.001877 0.002033 0.002216
37 0.001285 0.001421 0.001551 0.001688 0.001855 0.002043 0.002229 0.002415
38 0.001386 0.001537 0.001666 0.001816 0.001998 0.002213 0.002439 0.002655
39 0.001500 0.001649 0.001788 0.001949 0.002151 0.002397 0.002681 0.002926
40 0.001605 0.001770 0.001916 0.002092 0.002318 0.002607 0.002943 0.00__59
41 0.001744 0.001924 0.002086 0.002281 0.002539 0.002860 0.003250 0.003648
42 0.001887 0.002089 0.002275 0.002508 0.002791 0.003153 0.003590 0.004079
43 0.002023 0.002264 0.002490 0.002760 0.003086 0.003482 0.003964 0.004496
44 0.002163 0.002453 0.002724 0.003043 0.003414 0.003851 0.004337 0.004_31
45 0.002325 0.002660 0.002985 0.003354 0.003776 0.004227 0.004749 0.005368
46 0.002519 0.002896 0.003278 0.003713 0.004184 0.004702 0.005290 0.005955
47 0.002773 0.003169 0.003603 0.004080 0.004626 0.005223 0.005884 0.006613
48 0.003070 0.003479 0.003935 0.004472 0.005095 0.005776 0.006543 0.007376
49 0.003393 0.003801 0.004297 0.004890 0.005587 0.006379 0.007270 0.008245
50 0.003707 0.004141 0.004673 0.005323 0.006112 0.007023 0.008064 0.009207
51 0.004113 0.004586 0.005154 0.005868 0.006742 0.007774 0.008959 0.010256
52 0.004525 0.005040 0.005664 0.006452 0.007427 0.008587 0.009915 0.011365
53 0.004927 0.005496 0.006198 0.007080 0.008165 0.009441 0.010919 0.012550
54 0.005328 0.005967 0.006760 0.007759 0.008950 0.010345 0.011979 0.013744
55 0.005746 0.006464 0.007367 0.008485 0.009797 0.011326 0.013126 0.015001
56 0.006183 0.007001 0.008020 0.009268 0.010719 0.012398 0.014377 0.016501
57 0.006656 0.007588 0.008730 0.010122 0.011729 0.013578 0.015767 0.018187
58 0.007194 0.008233 0.009501 0.011041 0.012821 0.014883 0.017310 0.020135
59 0.007831 0.008953 0.010337 0.012017 0.014004 0.016313 0.019145 0.022291
60 0.008564 0.009748 0.011242 0.013080 0.015282 0.017990 0.021167 0.024666
61 0.009375 0.010619 0.012283 0.014344 0.016971 0.020129 0.023790 0.027923
62 0.010252 0.011587 0.013432 0.015833 0.018848 0.022476 0.026717 0.0__571
63 0.011162 0.012604 0.014738 0.017460 0.020894 0.025074 0.029944 0.035415
64 0.012117 0.013753 0.016154 0.019227 0.023153 0.02792_ 0.033277 0.039614
65 0.013258 0.015068 0.017746 0.021226 0.025663 0.030893 0.036933 0.044079
66 0.014619 0.016615 0.019697 0.023695 0.028638 0.034628 0.041617 0.049691
67 0.016280 0.018508 0.022038 0.026447 0.032021 0.03__05 0.046786 0.055937
68 0.01_348 0.020837 0.024750 0.029677 0.035880 0.043440 0.052491 0.062798
69 0.020830 0.023505 0.027929 0.033395 0.040214 0.048575 0.058758 0.070675
70 0.023612 0.026570 0.031572 0.037584 0.045035 0.054214 0.065594 0.079533
71 0.025743 0.028972 0.034643 0.041490 0.049987 0.060460 0.073475 0.089464
72 0.028075 0.031568 0.038010 0.045790 0.055457 0.067395 0.082260 0.100533
73 0.030545 0.034344 0.041634 0.050437 0.061399 0.074956 0.091856 0.113476
74 0.032699 0.036762 0.044849 0.054651 0.066860 0.081989 0.101523 0.125909
75 0.034375 0.038627 0.047439 0.058141 0.071472 0.088550 0.110105 0.137072
76 0.000000 0.000000 0.000000 0.000000 0.000000 0._00000 0.000000 0.143282
77 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.149644
78 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.158199
79 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.171181
MPNS
MEDICAL PROJECTED
AGE [X] [X+1] [X+2] [X+3] [X+4] [X+5] [X+6] [X+7]
--- -------- -------- -------- -------- -------- -------- -------- --------
21 0.000443 0.000488 0.000505 0.000499 0.000484 0.000453 0.000463 0.000457
22 0.000407 0.000454 0.000477 0.000468 0.000454 0.000436 0.000432 0.000429
23 0.000385 0.000426 0.000451 0.000443 0.000437 0.000417 0.000416 0.000413
24 0.000358 0.000396 0.000422 0.000426 0.0004_8 0.000407 0.000400 0.000405
25 0.000335 0.000367 0.000400 0.000404 0.000408 0.000397 0.000398 0.000409
26 0.000314 0.000347 0.000374 0.000385 0.000394 0.000396 0.000403 0.000411
27 0.000307 0.000329 0.000357 0.000372 0.000389 0.000401 0.000411 0.000424
28 0.000306 0.000329 0.000350 0.000373 0.000395 0.000410 0.000424 0.000451
29 0.000311 0.000329 0.000352 0.000379 0.000405 0.000424 0.000452 0.000476
30 0.000317 0.000341 0.000368 0.000391 0.000420 0.000453 0.000475 0.000513
31 0.000325 0.000358 0.000381 0.000411 0.000446 0.000477 0.000514 0.000558
32 0.000333 0.000367 0.000399 0.000435 0.000468 0.000510 0.000558 0.000612
33 0.000331 0.000373 0.000415 0.000454 0.000502 0.000551 0.000610 0.000667
34 0.000327 0.000383 0.000429 0.000483 0.000540 0.000599 0.000661 0.000728
35 0.000330 0.000391 0.000451 0.000517 0.000581 0.000648 0.000716 0.000794
36 0.000333 0.000413 0.000486 0.000563 0.000640 0.000713 0.000796 0.000882
37 0.000352 0.000440 0.000529 0.000619 0.000706 0.000791 0.000982 0.000979
38 0.000377 0.000481 0.000586 0.000687 0.000785 0.000879 0.000977 0.001092
39 0.000411 0.000536 0.000652 0.000764 0.000871 0.000974 0.001088 0.001222
40 0.000452 0.000595 0.000727 0.000854 0.000964 0.001080 0.001216 0.001364
41 0.000493 0.000656 0.000811 0.000945 0.001071 0.001205 0.001348 0.001507
42 0.000536 0.000723 0.000888 0.001043 0.001191 0.001336 0.001490 0.001663
43 0.000579 0.000782 0.000972 0.001148 0.001311 0.001469 0.001634 0.001823
44 0.000620 0.000847 0.001062 0.001258 0.001431 0.001604 0.001785 0.001984
45 0.000670 0.000921 0.001157 0.001376 0.001564 0.001753 0.001949 0.002170
46 0.000724 0.000996 0.001256 0.001503 0.001719 0.001923 0.002145 0.002390
47 0.000778 0.001084 0.001372 0.001648 0.001899 0.002133 0.002373 0.002649
48 0.000832 0.001181 0.001507 0.001815 0.002120 0.002387 0.002659 0.002975
49 0.000892 0.001288 0.001656 0.002015 0.002365 0.002680 0.003004 0.003363
50 0.000953 0.001408 0.001828 0.002229 0.002628 0.003005 0.003383 0.003789
51 0.001019 0.001543 0.002013 0.002460 0.002910 0.003347 0.003777 0.004212
52 0.001096 0.001685 0.002210 0.002708 0.003200 0.003684 0.004147 0.004641
53 0.001175 0.001833 0.002419 0.002958 0.003490 0.003990 0.004503 0.005041
54 0.001267 0.001995 0.002636 0.003217 0.003771 0.004300 0.004841 0.005423
55 0.001369 0.002176 0.002877 0.003488 0.004060 0.004625 0.005185 0.005811
56 0.001493 0.002380 0.003142 0.003809 0.004418 0.004973 0.005568 0.006243
57 0.001643 0.002619 0.003465 0.004177 0.004795 0.005385 0.006025 0.006745
58 0.001818 0.002917 0.003850 0.004610 0.005260 0.005900 0.006585 0.007339
59 0.002035 0.003264 0.004292 0.005115 0.005826 0.006521 0.007244 0.008026
60 0.002280 0.003650 0.004784 0.005682 0.006482 0.007221 0.007986 0.008802
61 0.002564 0.004066 0.005310 0.006306 0.007186 0.007977 0.008791 0.009688
62 0.002884 0.004499 0.005852 0.006967 0.007908 0.008768 0.009669 0.010651
63 0.003244 0.005000 0.006456 0.007660 0.008643 0.009582 0.010558 0.011644
64 0.003650 0.005588 0.007140 0.008386 0.009425 0.010425 0.011479 0.012674
65 0.004102 0.006212 0.007868 0.009149 0.010260 0.011339 0.012486 0.013848
66 0.004593 0.006833 0.008587 0.009933 0.011161 0.012359 0.013674 0.015193
67 0.005140 0.007399 0.009230 0.010734 0.012142 0.013552 0.015053 0.016857
68 0.005735 0.007922 0.009822 0.011538 0.013226 0.014908 0.016761 0.018904
69 0.006385 0.008450 0.010407 0.012370 0.014377 0.016487 0.018773 0.021379
70 0.007087 0.008958 0.010990 0.013190 0.015624 0.018232 0.021091 0.024263
71 0.007787 0.009852 0.012071 0.014482 0.017117 0.019964 0.023100 0.026558
72 0.008560 0.010820 0.013253 0.015870 0.018749 0.021870 0.025291 0.029068
73 0.009388 0.011965 0.014505 0.017359 0.020509 0.023909 0.027637 0.031771
74 0.010130 0.012776 0.015606 0.018679 0.022059 0.025710 0.029723 0.034157
75 0.010711 0.013499 0.016495 0.019735 0.023297 0.027154 0.031383 0.036057
76 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
77 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
78 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
79 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
AGE [X+8] [X+9] [X+10] [X+11] [X+12] [X+13] [X+14] [X+15]
--- -------- -------- -------- -------- -------- -------- -------- --------
21 0.000463 0.000466 0.000472 0.000496 0.000511 0.000529 0.000555 0.000547
22 0.000435 0.000447 0.000462 0.000475 0.000499 0.000530 0.000554 0.000563
23 0.000421 0.000439 0.000454 0.000471 0.000508 0.000537 0.000556 0.000605
24 0.000420 0.000434 0.000461 0.000483 0.000519 0.000560 0.000611 0.000657
25 0.000421 0.000440 0.000476 0.000502 0.000549 0.000611 0.000686 0.000715
26 0.000428 0.000456 0.000490 0.000534 0.000595 0.000667 0.000734 0.000786
27 0.000450 0.000475 0.000519 0.000579 0.000651 0.000732 0.000810 0.000867
28 0.000474 0.000509 0.000564 0.000631 0.000708 0.000800 0.000888 0.000964
29 0.000509 0.000560 0.000622 0.000691 0.000776 0.000874 0.000980 0.001070
30 0.000561 0.000617 0.000685 0.000761 0.000852 0.000964 0.001079 0.001198
31 0.000618 0.000678 0.000754 0.000839 0.000944 0.001065 0.001201 0.001342
32 0.000676 0.000746 0.000830 0.000932 0.001045 0.001187 0.001348 0.001510
33 0.000737 0.000816 0.000916 0.001028 0.001168 0.001338 0.001523 0.001695
34 0.000805 0.000893 0.001005 0.001139 0.001311 0.001509 0.001708 0.001914
35 0.000882 0.000971 0.001106 0.001268 0.001467 0.001685 0.001916 0.002161
36 0.000973 0.001079 0.001237 0.001420 0.001639 0.001890 0.002153 0.002416
37 0.001086 0.001209 0.001384 0.001581 0.001825 0.002109 0.002409 0.002684
38 0.001217 0.001354 0.001537 0.001755 0.002021 0.002338 0.002696 0.003000
39 0.001364 0.001506 0.001707 0.001943 0.002235 0.002598 0.003023 0.003365
40 0.001515 0.001679 0.001894 0.002149 0.002478 0.002891 0.003387 0.003815
41 0.001680 0.001861 0.002103 0.002401 0.002778 0.003257 0.003849 0.004407
42 0.001855 0.002057 0.002344 0.002695 0.003129 0.003687 0.004378 0.005083
43 0.002025 0.002274 0.002615 0.003032 0.003546 0.004183 0.004976 0.005777
44 0.002209 0.002505 0.002918 0.003420 0.004021 0.004753 0.005603 0.006560
45 0.002416 0.002766 0.003264 0.003855 0.004559 0.005357 0.006338 0.007391
46 0.002666 0.003066 0.003963 0.004317 0.005090 0.006005 0.007084 0.008201
47 0.002989 0.003417 0.004059 0.004795 0.005689 0.006716 0.007909 0.009110
48 0.003373 0.003822 0.004497 0.005334 0.006334 0.007494 0.008831 0.010166
49 0.003800 0.004254 0.005003 0.005916 0.007023 0.008328 0.009855 0.011375
50 0.004230 0.004738 0.005541 0.006535 0.007770 0.009242 0.010980 0.012694
51 0.004695 0.005247 0.006124 0.007239 0.008632 0.010325 0.012321 0.014314
52 0.005163 0.005767 0.006749 0.007999 0.009577 0.011494 0.013775 0.016065
53 0.005624 0.006292 0.007405 0.008823 0.010591 0.012743 0.015333 0.018095
54 0.006084 0.006835 0.008100 0.009705 0.011681 0.014084 0.017113 0.020212
55 0.006564 0.007409 0.008842 0.010658 0.012871 0.015650 0.019081 0.022523
56 0.007070 0.008021 0.009626 0.011644 0.014169 0.017248 0.021079 0.024997
57 0.007606 0.008691 0.010480 0.012790 0.015603 0.019041 0.023310 0.027838
58 0.008219 0.009434 0.011465 0.014033 0.017184 0.021036 0.025844 0.030670
59 0.008951 0.010306 0.012540 0.015379 0.018907 0.023271 0.028461 0.033826
60 0.009882 0.011277 0.013726 0.016853 0.020816 0.025568 0.031362 0.037275
61 0.010807 0.012358 0.015037 0.018500 0.022785 0.028111 0.034482 0.041099
62 0.011881 0.013562 0.016508 0.020218 0.024979 0.030840 0.037888 0.045513
63 0.013005 0.014860 0.018006 0.022094 0.027318 0.033804 0.041590 0.049961
64 0.014214 0.016167 0.019641 0.024100 0.029863 0.037020 0.045582 0.054943
65 0.015533 0.017721 0.021466 0.026357 0.032682 0.040541 0.049916 0.060139
66 0.017124 0.019517 0.023663 0.029084 0.036070 0.044747 0.055152 0.066225
67 0.019056 0.021715 0.026307 0.032264 0.039908 0.049417 0.060887 0.072913
68 0.021461 0.024429 0.029507 0.035990 0.044276 0.054573 0.067127 0.080130
69 0.024360 0.027660 0.033257 0.040272 0.049162 0.060216 0.073873 0.088406
70 0.027715 0.031382 0.037551 0.045093 0.054555 0.066347 0.081154 0.097582
71 0.030328 0.034349 0.041094 0.049318 0.059634 0.072505 0.088657 0.106573
72 0.033202 0.037584 0.044944 0.043921 0.065192 0.079230 0.096839 0.116354
73 0.036274 0.041053 0.049076 0.058861 0.071132 0.086402 0.105579 0.127620
74 0.038988 0.044104 0.052697 0.063182 0.076324 0.092699 0.113872 0.137654
75 0.041137 0.046520 0.055567 0.066593 0.080412 0.098144 0.120576 0.145815
76 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.152648
77 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.159624
78 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.168826
79 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.182785
M__K
MEDICAL PROJECTED
AGE [X] [X+1] [X+2] [X+3] [X+4] [X+5] [X+6] [X+7]
--- -------- -------- -------- -------- -------- -------- -------- --------
21 0.000644 0.000720 0.000756 0.000759 0.000752 0.000717 0.000749 0.000760
22 0.000601 0.000680 0.000725 0.000726 0.000717 0.000707 0.000718 0.000735
23 0.000577 0.000648 0.000701 0.000701 0.0007_7 0.000694 0.000711 0.000739
24 0.000545 0.000615 0.000667 0.000691 0.000695 0.000697 0.000717 0.000748
25 0.000520 0.000591 0.000647 0.000671 0.000699 0.000712 0.000735 0.000771
26 0.000497 0.000563 0.000621 0.000659 0.000707 0.000731 0.000759 0.000796
27 0.000497 0.000547 0.000610 0.000667 0.000718 0.000756 0.000794 0.000838
28 0.000508 0.000562 0.000629 0.000688 0.000744 0.000793 0.000838 0.000897
29 0.000532 0.000589 0.000650 0.000715 0.000783 0.000839 0.000899 0.000967
30 0.000568 0.000629 0.000695 0.000756 0.000830 0.000901 0.000964 0.001051
31 0.000599 0.000674 0.000737 0.000814 0.000888 0.000969 0.001052 0.001160
32 0.000629 0.000710 0.000789 0.000865 0.000950 0.001044 0.001161 0.001287
33 0.000641 0.000739 0.000826 0.000922 0.001028 0.001146 0.001281 0.001423
34 0.000647 0.000762 0.000870 0.000988 0.001124 0.001259 0.001410 0.001572
35 0.000657 0.000793 0.000923 0.001076 0.001222 0.001382 0.001545 0.001727
36 0.000676 0.000845 0.001010 0.001184 0.001363 0.001538 0.001732 0.001934
37 0.000721 0.000916 0.001111 0.001320 0.001523 0.001721 0.001934 0.002167
38 0.000785 0.001011 0.001249 0.001482 0.001708 0.001925 0.002163 0.002433
39 0.000864 0.001142 0.001406 0.001662 0.001908 0.002157 0.002424 0.002708
40 0.000963 0.001284 0.001581 0.001873 0.002135 0.002405 0.0026_4 0.003010
41 0.001064 0.001428 0.001777 0.002094 0.002385 0.002671 0.002976 0.003313
42 0.001166 0.001584 0.001967 0.002323 0.002638 0.002948 0.003276 0.003643
43 0.001270 0.001732 0.002164 0.002545 0.002894 0.003229 0.003580 0.003967
44 0.001374 0.001886 0.002354 0.002777 0.003145 0.003513 0.003885 0.004286
45 0.001491 0.002042 0.002553 0.003024 0.003426 0.003815 0.004209 0.004624
46 0.001604 0.002199 0.002761 0.003292 0.003742 0.004153 0.004570 0.005034
47 0.001716 0.002383 0.003006 0.003588 0.004102 0.004545 0.005000 0.005509
48 0.001830 0.002586 0.003280 0.003921 0.004517 0.005029 0.005528 0.006084
49 0.001954 0.002803 0.003576 0.004292 0.004983 0.005572 0.006142 0.006754
50 0.002075 0.003042 0.003894 0.004695 0.005465 0.006144 0.006796 0.007471
51 0.002201 0.003287 0.004241 0.005115 0.005951 0.006722 0.007447 0.008165
52 0.002334 0.003550 0.004596 0.005538 0.006427 0.007265 0.008039 0.008785
53 0.002476 0.003912 0.004946 0.005942 0.006882 0.007734 0.008524 0.009325
54 0.002635 0.004079 0.005294 0.006343 0.007310 0.008139 0.008955 0.009833
55 0.002799 0.004370 0.005673 0.006762 0.007724 0.008555 0.009400 0.010326
56 0.002998 0.004693 0.006091 0.007210 0.008173 0.009017 0.009895 0.010875
57 0.003239 0.005076 0.006558 0.007728 0.008693 0.009569 0.010495 0.011508
58 0.003524 0.005521 0.007122 0.008358 0.009347 0.010277 0.011234 0.012263
59 0.003851 0.006038 0.007782 0.009090 0.010148 0.011125 0.012105 0.013128
60 0.004218 0.006618 0.008502 0.009897 0.011059 0.012067 0.013063 0.014087
61 0.004648 0.007226 0.009249 0.010758 0.012009 0.013049 0.014070 0.015156
62 0.005125 0.007836 0.009984 0.011642 0.012935 0.014033 0.015126 0.016282
63 0.005650 0.008531 0.010787 0.012530 0.013833 0.014990 0.016140 0.017390
64 0.006228 0.009338 0.011679 0.013421 0.014744 0.015936 0.017144 0.018477
65 0.006855 0.010162 0.012592 0.014312 0.015684 0.016934 0.018204 0.019694
66 0.007514 0.010935 0.013432 0.015184 0.016668 0.018018 0.019446 0.021069
67 0.008227 0.011574 0.014109 0.016030 0.017702 0.019272 0.020875 0.022777
68 0.008972 0.012110 0.014668 0.016821 0.018808 0.020673 0.022647 0.025040
69 0.009761 0.012619 0.015172 0.017591 0.019937 0.022277 0.024865 0.027749
70 0.010584 0.013060 0.015630 0.018292 0.021112 0.024148 0.027375 0.030839
71 0.011352 0.014011 0.016739 0.019569 0.022672 0.025912 0.029360 0.033048
72 0.012173 0.015004 0.017907 0.021021 0.024334 0.027797 0.031471 0.035399
73 0.013018 0.016032 0.019212 0.022530 0.026068 0.029752 0.033656 0.037843
74 0.013687 0.016922 0.020255 0.023742 0.027450 0.031309 0.035404 0.039777
75 0.014187 0.017521 0.020966 0.024557 0.028371 0.032342 0.036574 0.041024
76 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
77 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
78 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
79 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
AGE [X+8] [X+9] [X+10] [X+11] [X+12] [X+13] [X+14] [X+15]
--- -------- -------- -------- -------- -------- -------- -------- --------
21 0.000792 0.0002_6 0.000873 0.000940 0.000997 0.001057 0.001116 0.001124
22 0.000779 0.000825 0.000874 0.000925 0.000995 0.001065 0.0011_8 0.001167
23 0.000778 0.000828 0.000881 0.000937 0.001018 0.001102 0.00____ 0.001275
24 0.000791 0.000840 0.0009_4 0.000966 0.001061 0.001159 0.001287 0.001398
25 0.000814 0.000870 0.000949 0.001024 0.001133 0.001283 0.00____ 0.001544
26 0.000846 0.000907 0.000997 0.001099 0.001247 0.001416 0.001583 0.001718
27 0.000894 0.000964 0.001066 0.001210 0.001378 0.001576 0.00177_ 0.001909
28 0.000962 0.001043 0.001175 0.001333 0.001521 0.001744 0.001956 0.002141
29 0.001043 0.001165 0.001311 0.001481 0.001687 0.001921 0.002175 0.002400
30 0.001167 0.001297 0.001463 0.001651 0.001868 0.002135 0.002420 0.002700
31 0.001300 0.001446 0.001630 0.001836 0.002085 0.002383 0.002707 0.003012
32 0.001442 0.001609 0.001810 0.002054 0.002333 0.002670 0.003025 0.003376
33 0.001591 0.001776 0.002014 0.002288 0.002620 0.002956 0.003104 0.003773
34 0.001752 0.001957 0.002232 0.002_51 0.002929 0.003365 0.003802 0.004245
35 0.001933 0.002152 0.002470 0.002826 0.003262 0.003744 0.004250 0.004763
36 0.002156 0.002403 0.002749 0.003152 0.003632 0.004182 0.004746 0.005284
37 0.002418 0.002679 0.003063 0.003495 0.004028 0.004637 0.005268 0.005791
38 0.002697 0.002989 0.003388 0.003866 0.004433 0.005102 0.005815 0.006399
39 0.003011 0.003312 0.003749 0.004253 0.004864 0.005592 0.006447 0.007084
40 0.003332 0.003677 0.004133 0.004666 0.005321 0.006153 0.007132 0.007897
41 0.003680 0.004051 0.004553 0.005142 0.005898 0.006842 0.007970 0.008961
42 0.004038 0.004443 0.005009 0.005709 0.006558 0.007616 0.008903 0.010145
43 0.004374 0.004845 0.005525 0.006339 0.007306 0.008487 0.009934 0.011340
44 0.004706 0.005278 0.006084 0.007029 0.008140 0.009467 0.010997 0.012570
45 0.005089 0.005751 0.006691 0.007783 0.009060 0.010491 0.012145 0.013842
46 0.005543 0.006269 0.007326 0.008557 0.009945 0.011480 0.013267 0.015052
47 0.006112 0.006864 0.008025 0.009345 0.010852 0.012550 0.014517 0.016390
48 0.006775 0.007535 0.008742 0.010149 0.011807 0.013707 0.015889 0.017932
49 0.007493 0.008247 0.009493 0.011000 0.012831 0.014949 0.017382 0.019646
50 0.008200 0.008969 0.010276 0.011912 0.013916 0.016264 0.018967 0.021477
51 0.008887 0.009706 0.011134 0.012933 0.015154 0.017796 0.020846 0.023704
52 0.009551 0.010455 0.012024 0.014009 0.016467 0.019404 0.022812 0.026029
53 0.010196 0.011180 0.012934 0.015130 0.017834 0.021054 0.024844 0.028658
54 0.010811 0.011906 0.013856 0.016303 0.019254 0.022768 0.027104 0.031286
55 0.011434 0.012641 0.014815 0.017523 0.020759 0.024728 0.029538 0.034058
56 0.012062 0.013403 0.015785 0.018735 0.022336 0.026639 0.031872 0.036897
57 0.012711 0.014217 0.016817 0.020112 0.024041 0.028725 0.034405 0.04_082
58 0.013444 0.015099 0.017982 0.021566 0.025863 0.030979 0.037211 0.043062
59 0.014325 0.016123 0.019223 0.023090 0.027777 0.033431 0.039959 0.046278
60 0.015376 0.017239 0.020555 0.024700 0.029833 0.035814 0.042905 0.049984
61 0.016521 0.018456 0.021981 0.026449 0.031844 0.038373 0.046243 0.054010
62 0.017744 0.019772 0.023543 0.028183 0.034014 0.041264 0.049786 0.055319
63 0.018959 0.021133 0.025040 0.030010 0.036464 0.044321 0.053521 0.062947
64 0.020214 0.022447 0.026612 0.032089 0.039060 0.047538 0.057432 0.067738
65 0.021540 0.023945 0.028508 0.034385 0.041866 0.050962 0.061544 0.072528
66 0.023138 0.025851 0.030793 0.037162 0.045238 0.055045 0.066517 0.07_080
67 0.025241 0.028184 0.033532 0.040363 0.048980 0.059457 0.071787 0.083987
68 0.027855 0.031050 0.036816 0.044058 0.053146 0.064198 0.077323 0.090159
69 0.030962 0.034419 0.040608 0.048221 0.057686 0.069209 0.083111 0.097059
70 0.034487 0.038217 0.044852 0.052785 0.062547 0.074472 0.089103 0.104507
71 0.036934 0.040914 0.047975 0.056407 0.066788 0.079434 0.094953 0.111252
72 0.039547 0.043769 0.051278 0.060239 0.071242 0.084667 0.101106 0.118334
73 0.042243 0.046707 0.054672 0.064163 0.075828 0.089998 0.107376 0.127620
74 0.044358 0.049002 0.057301 0.067184 0.079323 0.094058 0.113872 0.137654
75 0.045704 0.050445 0.058933 0.069034 0.081402 0.098144 0.120576 0.145815
76 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.152648
77 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.159624
78 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.168826
79 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.182785
FSN
MEDICAL PROJECTED
AGE [X] [X+1] [X+2] [X+3] [X+4] [X+5] [X+6] [X+7]
--- -------- -------- -------- -------- -------- -------- -------- --------
21 0.000672 0.000751 0.000785 0.000783 0.000771 0.000732 0.000756 0.000770
22 0.000651 0.000734 0.000778 0.000775 0.000763 0.000742 0.000758 0.000773
23 0.000647 0.000723 0.000778 0.000775 0.000773 0.000762 0.000779 0.000805
24 0.000631 0.000709 0.000766 0.000785 0.0007_3 0.000792 0.000811 0.000847
25 0.000622 0.000693 0.000764 0.000795 0.000825 0.000835 0.000863 0.000908
26 0.000613 0.000687 0.000761 0.000803 0.000857 0.000887 0.000923 0.000969
27 0.000627 0.000692 0.000769 0.000835 0.000900 0.000949 0.000998 0.001050
28 0.000665 0.000733 0.000812 0.000890 0.000964 0.001028 0.001084 0.001162
29 0.000717 0.000787 0.000868 0.000956 0.001047 0.001118 0.001201 0.001296
30 0.000784 0.000868 0.000959 0.00104_ 0.001142 0.001241 0.001331 0.001454
31 0.000830 0.000934 0.001020 0.001122 0.001224 0.001340 0.001456 0.001602
32 0.000874 0.000985 0.001090 0.001195 0.001315 0.001446 0.001605 0.001779
33 0.000892 0.001023 0.001143 0.001278 0.001425 0.001585 0.001772 0.001963
34 0.000898 0.001057 0.001207 0.001370 0.001554 0.001743 0.001946 0.002163
35 0.000912 0.001101 0.001281 0.001490 0.001692 0.001908 0.002128 0.002367
36 0.000912 0.001139 0.001359 0.001593 0.001829 0.002058 0.002306 0.002566
37 0.000944 0.001196 0.001451 0.001719 0.001978 0.002224 0.002491 0.002783
38 0.000993 0.001280 0.001578 0.001866 0.002141 0.002405 0.002693 0.003009
39 0.001059 0.001398 0.001715 0.002018 0.002008 0.002602 0.002904 0.003226
40 0.001140 0.001516 0.001857 0.002192 0.002490 0.002788 0.003105 0.003454
41 0.001236 0.001651 0.002047 0.002405 0.002722 0.003030 0.003361 0.003725
42 0.001327 0.001795 0.002223 0.002607 0.002945 0.003276 0.003625 0.004011
43 0.001416 0.001925 0.002389 0.002794 0.003163 0.003514 0.003877 0.004290
44 0.001502 0.002048 0.002541 0.002985 0.003366 0.003741 0.004130 0.004547
45 0.001592 0.002167 0.002698 0.003181 0.003585 0.003986 0.004390 0.004812
46 0.001672 0.002283 0.002853 0.003385 0.003841 0.004255 0.004672 0.005141
47 0.001750 0.002418 0.003036 0.003617 0.004128 0.004563 0.005015 0.005524
48 0.001823 0.002564 0.003247 0.003873 0.004452 0.004951 0.005442 0.005983
49 0.001901 0.002722 0.003466 0.004151 0.004813 0.005381 0.005926 0.006516
50 0.001976 0.002891 0.003693 0.004449 0.005176 0.005813 0.006430 0.007073
51 0.002098 0.003125 0.004028 0.004857 0.005646 0.006376 0.007069 0.007745
52 0.002226 0.003381 0.004375 0.005267 0.006111 0.006913 0.007644 0.008335
53 0.002364 0.003638 0.004716 0.005665 0.006566 0.007374 0.008108 0.008845
54 0.002521 0.003899 0.005060 0.006066 0.006987 0.007762 0.008515 0.009329
55 0.002683 0.004188 0.005440 0.006479 0.007364 0.008155 0.008941 0.009795
56 0.002880 0.004512 0.005852 0.006910 0.007811 0.008598 0.009410 0.010308
57 0.003121 0.004889 0.006302 0.007404 0.008311 0.009124 0.009972 0.010903
58 0.003403 0.005319 0.006841 0.008011 0.008934 0.009790 0.010671 0.011620
59 0.003720 0.005815 0.007477 0.008711 0.009692 0.010594 0.011500 0.012439
60 0.004073 0.006375 0.008168 0.009476 0.010558 0.011493 0.012410 0.013341
61 0.004489 0.006960 0.008878 0.010296 0.011466 0.012428 0.013358 0.014305
62 0.004949 0.007541 0.009580 0.011144 0.012350 0.013358 0.014320 0.015311
63 0.005451 0.008206 0.010352 0.011994 0.013201 0.014235 0.015231 0.016272
64 0.006006 0.008984 0.011208 0.012840 0.014044 0.015093 0.016107 0.017204
65 0.006612 0.009777 0.012078 0.013674 0.014907 0.015975 0.017027 0.018227
66 0.007247 0.010515 0.012872 0.014483 0.015788 0.016931 0.018089 0.019508
67 0.007931 0.011126 0.013506 0.015245 0.016710 0.018018 0.019417 0.021084
68 0.008650 0.011633 0.014007 0.015951 0.017675 0.019317 0.021050 0.023182
69 0.009410 0.012099 0.014453 0.016615 0.018715 0.020790 0.023102 0.025696
70 0.010190 0.012498 0.014837 0.017249 0.019782 0.022516 0.025428 0.028555
71 0.010914 0.013368 0.015857 0.018411 0.021214 0.024142 0.027254 0.030487
72 0.011674 0.014279 0.016917 0.019740 0.022741 0.025868 0.029106 0.032534
73 0.012445 0.015207 0.018105 0.021120 0.024321 0.027585 0.031011 0.034648
74 0.013035 0.016004 0.019045 0.022207 0.025515 0.028922 0.032497 0.036267
75 0.013465 0.016524 0.019660 0.022885 0.026274 0.029762 0.033406 0.037258
76 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
77 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
78 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
79 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
AGE [X+8] [X+9] [X+10] [X+11] [X+12] [X+13] [X+14] [X+15]
--- -------- -------- -------- -------- -------- -------- -------- --------
21 0.000801 0.000840 0.000849 0.000886 0.000911 0.000934 0.000959 0.000978
22 0.000816 0.000865 0.000884 0.000903 0.000936 0.000969 0.001064 0.001039
23 0.000848 0.000905 0.000926 0.000944 0.000989 0.001033 0.001062 0.001149
24 0.000898 0.000936 0.000994 0.001008 0.001065 0.001118 0.001136 0.001280
25 0.000960 0.001025 0.001069 0.001106 0.001173 0.001262 0.001329 0.001433
26 0.001028 0.001106 0.001159 0.001218 0.001309 0.001411 0.0014_4 0.001594
27 0.001123 0.001217 0.001277 0.001368 0.001472 0.001586 0.001676 0.001767
28 0.001251 0.001360 0.001441 0.001539 0.001648 0.001772 0.001858 0.001980
29 0.001401 0.001561 0.001649 0.001742 0.001854 0.001967 0.002074 0.002218
30 0.001610 0.001791 0.001883 0.001979 0.002079 0.002206 0.002319 0.002486
31 0.001795 0.001992 0.002093 0.002192 0.002314 0.002457 0.002581 0.002764
32 0.001988 0.002211 0.002315 0.002445 0.002584 0.002739 0.002875 0.003092
33 0.002188 0.002431 0.002568 0.002717 0.002885 0.003060 0.003226 0.003450
34 0.002399 0.002671 0.002839 0.003011 0.003211 0.003426 0.003593 0.003872
35 0.002640 0.002929 0.003122 0.003319 0.003563 0.003800 0.004004 0.004349
36 0.002852 0.003159 0.003364 0.003595 0.003860 0.004138 0.004384 0.004739
37 0.003084 0.003398 0.003630 0.003868 0.004161 0.004485 0.004766 0.005100
38 0.003318 0.00_660 0.003885 0.004146 0.004464 0.004818 0.0051_0 0.005537
39 0.003572 0.003911 0.004152 0.004432 0.004768 0.005154 0.005592 0.006026
40 0.003806 0.004179 0.004432 0.004717 0.005073 0.005536 0.006061 0.006597
41 0.004118 0.004525 0.004784 0.005082 0.005487 0.005998 0.006578 0.007256
42 0.004438 0.004873 0.005155 0.005516 0.005957 0.006497 0.007140 0.007968
43 0.004720 0.005217 0.005572 0.005993 0.006473 0.007051 0.007744 0.008624
44 0.004982 0.005582 0.006016 0.006496 0.007037 0.007661 0.008320 0.009243
45 0.005289 0.005976 0.006481 0.007034 0.007646 0.008256 0.008901 0.009826
46 0.005659 0.006394 0.006992 0.007650 0.008319 0.008973 0.009682 0.010690
47 0.006122 0.006874 0.007551 0.008253 0.008985 0.009735 0.010561 0.011638
48 0.006661 0.007413 0.008097 0.008840 0.009666 0.010559 0.011515 0.012720
49 0.007233 0.007956 0.008640 0.009439 0.010394 0.011431 0.012539 0.013933
50 0.007758 0.008467 0.009177 0.010076 0.011148 0.012333 0.013627 0.015234
51 0.008411 0.009159 0.009924 0.010890 0.012050 0.013374 0.014824 0.016607
52 0.009035 0.009869 0.010693 0.011734 0.013006 0.014466 0.016056 0.018003
53 0.009649 0.010552 0.011467 0.012616 0.014001 0.015566 0.017297 0.019436
54 0.010229 0.011227 0.012252 0.013536 0.015021 0.016686 0.018551 0.020800
55 0.010810 0.011916 0.013074 0.014490 0.016084 0.017859 0.019865 0.022178
56 0.011398 0.012636 0.013931 0.015483 0.017203 0.019106 0.021255 0.023814
57 0.012013 0.013403 0.014835 0.016531 0.018398 0.020440 0.022755 0.025607
58 0.012707 0.014227 0.015785 0.017622 0.019647 0.021871 0.024372 0.027639
59 0.013532 0.015124 0.016782 0.018736 0.020943 0.023386 0.026280 0.029814
60 0.014468 0.016096 0.017831 0.019905 0.022301 0.025144 0.028310 0.032342
61 0.015480 0.017129 0.019018 0.021300 0.024144 0.027414 0.031192 0.035874
62 0.016536 0.018242 0.020289 0.022922 0.026130 0.030006 0.034326 0.039732
63 0.017573 0.019361 0.021701 0.024630 0.028393 0.032802 0.037686 0.043636
64 0.018614 0.020595 0.023177 0.026584 0.030831 0.035779 0.040995 0.047765
65 0.019853 0.021986 0.024959 0.028758 0.033471 0.038748 0.044526 0.051982
66 0.021332 0.023763 0.027149 0.031445 0.036563 0.042510 0.049068 0.057283
67 0.023285 0.025941 0.029749 0.034362 0.040009 0.046592 0.053934 0.063002
68 0.025716 0.028604 0.032709 0.037730 0.043846 0.050994 0.059126 0.069081
69 0.028596 0.031591 0.036118 0.041529 0.048039 0.055714 0.064636 0.075881
70 0.031734 0.034947 0.039938 0.045686 0.052574 0.060725 0.070419 0.083285
71 0.033860 0.037270 0.042843 0.049285 0.056991 0.066092 0.076948 0.091329
72 0.036116 0.039705 0.045928 0.053118 0.061700 0.071859 0.083974 0.100533
73 0.038418 0.042205 0.049127 0.057110 0.066634 0.077906 0.091856 0.113476
74 0.040184 0.044117 0.051653 0.060348 0.070736 0.083015 0.101523 0.125909
75 0.041253 0.045244 0.053296 0.062592 0.073656 0.088550 0.110105 0.137072
76 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.143282
77 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.149644
78 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.158199
79 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.171181
FPSK
MEDICAL PROJECTED
AGE [X] [X+1] [X+2] [X+3] [X+4] [X+5] [X+6] [X+7]
--- -------- -------- -------- -------- -------- -------- -------- --------
21 0.000448 0.000501 0.000523 0.000522 0.000514 0.000488 0.000504 0.000513
22 0.000434 0.000489 0.000519 0.000517 0.000508 0.000495 0.000505 0.000515
23 0.000431 0.000482 0.000519 0.000517 0.000516 0.000508 0.000519 0.000537
24 0.000420 0.000473 0.000511 0.000523 0.000529 0.000528 0.000540 0.000564
25 0.000415 0.000462 0.000510 0.000530 0.000550 0.000557 0.000575 0.000605
26 0.000409 0.000459 0.000507 0.000536 0.000571 0.000591 0.000615 0.000646
27 0.000419 0.000462 0.000513 0.000557 0.000600 0.000632 0.000665 0.000700
28 0.000443 0.000489 0.000542 0.000594 0.000643 0.000695 0.000723 0.000774
29 0.000478 0.000525 0.000579 0.000638 0.000698 0.000745 0.000801 0.000864
30 0.000523 0.000578 0.000639 0.000695 0.000761 0.000828 0.000888 0.000970
31 0.000553 0.000623 0.000680 0.000748 0.000816 0.000893 0.000971 0.001068
32 0.000583 0.000657 0.000726 0.000797 0.000877 0.000964 0.001070 0.001186
33 0.000595 0.000682 0.000762 0.000852 0.000950 0.001057 0.001181 0.001308
34 0.000598 0.000704 0.000805 0.000914 0.001036 0.001162 0.001298 0.001442
35 0.000608 0.000734 0.000854 0.000993 0.001128 0.001272 0.001419 0.001578
36 0.000608 0.000759 0.000906 0.001062 0.001220 0.001372 0.001537 0.001711
37 0.000629 0.000798 0.000968 0.001146 0.001318 0.001483 0.001661 0.001855
38 0.000662 0.000855 0.001052 0.001244 0.001428 0.001603 0.001795 0.002006
39 0.000706 0.000932 0.001143 0.001345 0.001539 0.001735 0.001936 0.002151
40 0.000760 0.001010 0.001238 0.001461 0.001660 0.001859 0.002070 0.002302
41 0.000924 0.001101 0.001365 0.001603 0.001814 0.002020 0.002241 0.002483
42 0.000884 0.001197 0.001482 0.001738 0.001963 0.002184 0.002416 0.002674
43 0.000944 0.001283 0.001593 0.001863 0.002109 0.002343 0.002585 0.002860
44 0.001001 0.001365 0.001694 0.001990 0.002244 0.002494 0.002753 0.003032
45 0.001061 0.001445 0.001798 0.002121 0.002390 0.002658 0.002926 0.003208
46 0.001115 0.001522 0.001902 0.002257 0.002561 0.002837 0.003115 0.003427
47 0.001167 0.001612 0.002024 0.002411 0.002752 0.003042 0.003343 0.003682
48 0.001215 0.001709 0.002165 0.002582 0.002969 0.003301 0.003627 0.003988
49 0.001267 0.001815 0.002310 0.002767 0.003209 0.003588 0.003951 0.004344
50 0.001317 0.001928 0.002462 0.002966 0.003451 0.003876 0.004287 0.004716
51 0.001399 0.002084 0.002685 0.003238 0.003764 0.004251 0.004713 0.005163
52 0.001484 0.002254 0.002917 0.003511 0.004075 0.004609 0.005096 0.005557
53 0.001576 0.002426 0.003144 0.003777 0.004377 0.004916 0.005406 0.005896
54 0.001681 0.002600 0.003374 0.004044 0.004658 0.005175 0.005676 0.006219
55 0.001789 0.002792 0.003627 0.004319 0.004923 0.005436 0.005960 0.006530
56 0.001920 0.003008 0.003901 0.004607 0.005207 0.005732 0.006273 0.006872
57 0.002081 0.003259 0.004202 0.004935 0.005540 0.006083 0.006648 0.007269
58 0.002269 0.003546 0.004560 0.005340 0.005956 0.006527 0.007114 0.007747
59 0.002480 0.003876 0.004985 0.005807 0.006461 0.007063 0.007667 0.008293
60 0.002715 0.004250 0.005445 0.006317 0.007039 0.007662 0.008273 0.008894
61 0.002993 0.004640 0.005919 0.006864 0.007644 0.008285 0.008906 0.009537
62 0.003300 0.005027 0.006387 0.007430 0.008234 0.008905 0.009547 0.010207
63 0.003634 0.005471 0.006902 0.007996 0.008800 0.009490 0.010154 0.010848
64 0.004004 0.005990 0.007472 0.008560 0.009363 0.010062 0.010738 0.011469
65 0.004408 0.006518 0.008052 0.009116 0.009938 0.010650 0.011351 0.012151
66 0.004832 0.007010 0.008582 0.009655 0.010525 0.011287 0.012059 0.013007
67 0.005287 0.007418 0.009004 0.010163 0.011139 0.012011 0.012946 0.014056
68 0.005767 0.007756 0.009338 0.010633 0.011782 0.012880 0.014033 0.015454
69 0.006273 0.008066 0.009635 0.011076 0.012478 0.013860 0.015401 0.017131
70 0.006793 0.008332 0.009891 0.011501 0.013188 0.015011 0.016952 0.019034
71 0.007275 0.008912 0.010573 0.012274 0.014143 0.016094 0.018167 0.020326
72 0.007782 0.009520 0.011278 0.013160 0.015161 0.017243 0.019405 0.021688
73 0.008298 0.010138 0.012070 0.014080 0.016212 0.018392 0.020673 0.023095
74 0.008690 0.010669 0.012696 0.014803 0.017011 0.019280 0.021661 0.024174
75 0.008976 0.011016 0.013105 0.015258 0.017515 0.019839 0.022267 0.024837
76 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
77 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
78 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
79 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
AGE [X+8] [X+9] [X+10] [X+11] [X+12] [X+13] [X+14] [X+15]
--- -------- -------- -------- -------- -------- -------- -------- --------
21 0.000534 0.000560 0.000590 0.000641 0.000688 0.000734 0.000765 0.000801
22 0.000544 0.000577 0.000614 0.000654 0.000706 0.000762 0.000822 0.000850
23 0.000565 0.000604 0.000644 0.000684 0.000746 0.000812 0.000859 0.000940
24 0.000599 0.000637 0.000691 0.000730 0.000803 0.000878 0.000969 0.001048
25 0.000640 0.000683 0.000743 0.000801 0.000885 0.000992 0.001__7 0.001172
26 0.000685 0.000737 0.000805 0.000882 0.000987 0.001109 0.001222 0.001304
27 0.000749 0.000811 0.000887 0.000990 0.001111 0.001246 0.00137_ 0.001446
28 0.000834 0.000907 0.001001 0.001114 0.001244 0.001392 0.001520 0.001620
29 0.000934 0.001041 0.001146 0.001262 0.001399 0.001546 0.001697 0.001915
30 0.001073 0.001194 0.001309 0.001433 0.001568 0.001733 0.001897 0.002034
31 0.001197 0.001328 0.001455 0.001587 0.001745 0.001930 0.002112 0.002262
32 0.001325 0.001474 0.001609 0.001771 0.001949 0.002152 0.002352 0.002530
33 0.001458 0.001621 0.001785 0.001967 0.002176 0.002404 0.002639 0.002822
34 0.001600 0.001781 0.001973 0.002180 0.002422 0.002692 0.002940 0.003168
35 0.001760 0.001953 0.002169 0.002404 0.002688 0.002986 0.003276 0.003558
36 0.001901 0.002105 0.002338 0.002604 0.002911 0.003251 0.003587 0.003877
37 0.002056 0.002265 0.002523 0.002801 0.003139 0.003524 0.003899 0.004173
38 0.002212 0.002440 0.002699 0.003003 0.003368 0.003786 0.004214 0.004530
39 0.002381 0.002607 0.002885 0.003209 0.003596 0.004050 0.004575 0.004930
40 0.002537 0.002786 0.003080 0.003416 0.003827 0.004350 0.004959 0.005397
41 0.002745 0.003017 0.003324 0.003680 0.004139 0.004712 0.005382 0.005937
42 0.002959 0.003249 0.003582 0.003994 0.004493 0.005105 0.005842 0.006520
43 0.003146 0.003478 0.003872 0.004340 0.004983 0.005540 0.006336 0.007057
44 0.003322 0.003721 0.004181 0.004704 0.005308 0.006019 0.006807 0.007562
45 0.003526 0.003984 0.004504 0.005094 0.005768 0.006487 0.007283 0.008040
46 0.003773 0.004263 0.004860 0.005539 0.006276 0.007050 0.007922 0.006747
47 0.004082 0.004583 0.005247 0.005976 0.006778 0.007649 0.008641 0.009522
48 0.004441 0.004942 0.005627 0.006401 0.007292 0.008297 0.009421 0.010408
49 0.004822 0.005304 0.006004 0.006834 0.007841 0.008981 0.010259 0.011399
50 0.005172 0.005645 0.006377 0.007297 0.008410 0.009690 0.011149 0.012462
51 0.005607 0.006105 0.006896 0.007886 0.009090 0.010510 0.012127 0.013587
52 0.006023 0.006579 0.007431 0.008497 0.009811 0.011366 0.013136 0.014731
53 0.006432 0.007035 0.007968 0.009135 0.010562 0.012229 0.014153 0.015903
54 0.006819 0.007485 0.008515 0.009803 0.011330 0.013111 0.015178 0.017019
55 0.007206 0.007944 0.009086 0.010492 0.012133 0.014031 0.016254 0.018147
56 0.007599 0.008425 0.009681 0.011211 0.012979 0.015012 0.017392 0.019482
57 0.008009 0.008935 0.010308 0.011971 0.013880 0.016059 0.018616 0.020952
58 0.008471 0.009485 0.010968 0.012760 0.014822 0.017185 0.019942 0.022615
59 0.009021 0.010084 0.011662 0.013568 0.015801 0.018374 0.021503 0.024393
60 0.009646 0.010731 0.012390 0.014414 0.016825 0.019755 0.023163 0.026462
61 0.010320 0.011420 0.013215 0.015422 0.019215 0.021537 0.025522 0.029352
62 0.011024 0.012161 0.014100 0.016598 0.019710 0.023573 0.028085 0.032505
63 0.011714 0.012907 0.015079 0.017834 0.021422 0.025772 0.030832 0.035705
64 0.012408 0.013732 0.016106 0.019249 0.023257 0.028113 0.033541 0.039080
65 0.013237 0.014658 0.017346 0.020826 0.025252 0.030448 0.036431 0.042532
66 0.014221 0.015842 0.018865 0.022771 0.027583 0.033400 0.040152 0.046957
67 0.015523 0.017294 0.020674 0.024882 0.030180 0.036608 0.044129 0.051550
68 0.017144 0.019067 0.022730 0.027323 0.033079 0.040064 0.048378 0.056525
69 0.019061 0.021062 0.025103 0.030072 0.036244 0.043770 0.052880 0.062084
70 0.021157 0.023296 0.027751 0.033082 0.039663 0.047712 0.057620 0.068142
71 0.022571 0.024843 0.029769 0.035687 0.042991 0.051930 0.062952 0.074723
72 0.024074 0.026466 0.031915 0.038469 0.046544 0.056465 0.068700 0.081799
73 0.025608 0.028135 0.034141 0.041353 0.050270 0.061210 0.074739 0.090787
74 0.026787 0.029414 0.035895 0.043699 0.053361 0.065229 0.081221 0.100724
75 0.027504 0.030162 0.037033 0.045326 0.055572 0.069419 0.088079 0.109645
76 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.114626
77 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.119712
78 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.126555
79 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.136957
FPNS
MEDICAL PROJECTED
AGE [X] [X+1] [X+2] [X+3] [X+4] [X+5] [X+6] [X+7]
--- -------- -------- -------- -------- -------- -------- -------- --------
21 0.000309 0.000339 0.000348 0.000341 0.000330 0.000308 0.000311 0.000309
22 0.000294 0.000326 0.000339 0.000332 0.000321 0.000306 0.000304 0.000300
23 0.000287 0.000315 0.000333 0.000327 0.000319 0.000305 0.000303 0.000302
24 0.000275 0.000304 0.000323 0.000323 0.000318 0.000308 0.000304 0.000307
25 0.000267 0.000292 0.000315 0.000319 0.000321 0.000313 0.000313 0.000320
26 0.000258 0.000283 0.000305 0.000312 0.000321 0.000321 0.000325 0.000333
27 0.000258 0.000278 0.000299 0.000313 0.000326 0.000334 0.000343 0.000355
28 0.000267 0.000285 0.000305 0.000323 0.000339 0.000354 0.000366 0.000387
29 0.000278 0.000295 0.000315 0.000337 0.000360 0.000378 0.000400 0.000426
30 0.000294 0.000314 0.000338 0.000359 0.000386 0.000414 0.000438 0.000472
31 0.000301 0.000329 0.000351 0.000379 0.000408 0.000441 0.000473 0.000514
32 0.000308 0.000339 0.000368 0.000398 0.000433 0.000470 0.000514 0.000563
33 0.000307 0.000345 0.000381 0.000421 0.000463 0.000508 0.000561 0.000613
34 0.000303 0.000352 0.000397 0.000445 0.000498 0.000552 0.000608 0.000668
35 0.000304 0.000362 0.000416 0.000478 0.000535 0.000596 0.000657 0.000724
36 0.000300 0.000370 0.000435 0.000504 0.000572 0.000635 0.000706 0.000779
37 0.000306 0.000383 0.000459 0.000537 0.000610 0.000681 0.000756 0.000838
38 0.000318 0.000405 0.000493 0.000576 0.000656 0.000730 0.000811 0.000903
39 0.000335 0.000437 0.000529 0.000618 0.000701 0.000784 0.000871 0.000972
40 0.000356 0.000468 0.000569 0.000665 0.000750 0.000836 0.000935 0.001044
41 0.000381 0.000506 0.000622 0.000724 0.000817 0.000913 0.001016 0.001131
42 0.000406 0.000545 0.000669 0.000782 0.000887 0.000991 0.001100 0.001223
43 0.000430 0.000580 0.000717 0.000842 0.000957 0.001067 0.001182 0.001313
44 0.000452 0.000614 0.000765 0.000903 0.001022 0.001140 0.001264 0.001404
45 0.000478 0.000653 0.000816 0.000966 0.001093 0.001220 0.001355 0.001504
46 0.000504 0.000690 0.000867 0.001032 0.001176 0.001313 0.001460 0.001627
47 0.000529 0.000734 0.000925 0.001107 0.001274 0.001426 0.001587 0.001771
48 0.000554 0.000782 0.000994 0.001195 0.001391 0.001567 0.001744 0.001951
49 0.000579 0.000833 0.001070 0.001297 0.001523 0.001725 0.001933 0.002162
50 0.000605 0.000892 0.001154 0.001408 0.001659 0.001896 0.002134 0.002390
51 0.000647 0.000977 0.001275 0.001557 0.001841 0.002116 0.002388 0.002665
52 0.000696 0.001070 0.001402 0.001718 0.002028 0.002335 0.002630 0.002935
53 0.000748 0.001166 0.001538 0.001880 0.002218 0.002537 0.002855 0.003189
54 0.000808 0.001272 0.001679 0.002049 0.002404 0.002733 0.003070 0.003429
55 0.000975 0.001390 0.001838 0.002229 0.002600 0.002940 0.003287 0.003673
56 0.000956 0.001524 0.002014 0.002433 0.002816 0.003161 0.003529 0.003944
57 0.001054 0.001682 0.002219 0.002670 0.003055 0.003421 0.003816 0.004259
58 0.001171 0.001873 0.002467 0.002945 0.003350 0.003746 0.004169 0.004636
59 0.001310 0.002097 0.002749 0.003266 0.003708 0.004139 0.004587 0.005070
60 0.001468 0.002344 0.003063 0.003626 0.004125 0.004585 0.005058 0.005558
61 0.001650 0.002610 0.003397 0.004022 0.004574 0.005065 0.005566 0.006096
62 0.001856 0.002885 0.003743 0.004446 0.005034 0.005565 0.006102 0.006676
63 0.002086 0.003206 0.004130 0.004888 0.005500 0.006066 0.006641 0.007264
64 0.002347 0.003584 0.004568 0.005350 0.005985 0.006581 0.007190 0.007867
65 0.002637 0.003985 0.005032 0.005827 0.006500 0.007131 0.007786 0.008543
66 0.002954 0.004381 0.005486 0.006315 0.007048 0.007742 0.008479 0.009379
67 0.003304 0.004741 0.005889 0.006805 0.007641 0.008445 0.009335 0.010402
68 0.003686 0.005072 0.006253 0.007294 0.008284 0.009287 0.010385 0.011667
69 0.004103 0.005401 0.006609 0.007787 0.008997 0.010257 0.011627 0.013201
70 0.004549 0.005715 0.006954 0.008293 0.009760 0.011332 0.013063 0.014975
71 0.004990 0.006266 0.007623 0.009084 0.010677 0.012402 0.014293 0.016334
72 0.005472 0.006865 0.008346 0.009935 0.011683 0.013566 0.015595 0.017810
73 0.005983 0.007503 0.009112 0.010850 0.012754 0.014780 0.016976 0.019391
74 0.006431 0.008055 0.009784 0.011646 0.013671 0.015833 0.018187 0.020762
75 0.006777 0.008489 0.010310 0.012262 0.014383 0.016657 0.019124 0.021827
76 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
77 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
78 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
79 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
AGE [X+8] [X+9] [X+10] [X+11] [X+12] [X+13] [X+14] [X+15]
--- -------- -------- -------- -------- -------- -------- -------- --------
21 0.000311 0.000315 0.000320 0.000337 0.000352 0.000368 0.000387 0.000390
22 0.000306 0.000313 0.000324 0.000336 0.000355 0.000377 0.000400 0.000409
23 0.000307 0.000319 0.000331 0.000345 0.000370 0.000396 0.000418 0.000446
24 0.000316 0.000329 0.000349 0.000363 0.000393 0.000423 0.000460 0.000491
25 0.000330 0.000346 0.000371 0.000393 0.000427 0.000472 0.000510 0.000543
26 0.000347 0.000369 0.000396 0.000427 0.000471 0.000521 0.000566 0.000596
27 0.000374 0.000400 0.000431 0.000474 0.000523 0.000578 0.000627 0.000656
28 0.000412 0.000441 0.000480 0.000526 0.000578 0.000638 0.000689 0.000729
29 0.000455 0.000500 0.000542 0.000588 0.000643 0.000702 0.000763 0.000810
30 0.000516 0.000567 0.000612 0.000660 0.000715 0.000781 0.000847 0.000904
31 0.000568 0.000623 0.000672 0.000725 0.000789 0.000863 0.000939 0.001009
32 0.000621 0.000682 0.000737 0.000802 0.000874 0.000958 0.001049 0.001133
33 0.000675 0.000744 0.000811 0.000884 0.000972 0.001075 0.001183 0.001270
34 0.000735 0.000811 0.000889 0.000976 0.001086 0.001209 0.001323 0.001431
35 0.000801 0.000882 0.000974 0.001080 0.001210 0.001346 0.001479 0.001614
36 0.000859 0.000947 0.001053 0.001175 0.001316 0.001472 0.001626 0.001773
37 0.000925 0.001024 0.001141 0.001269 0.001425 0.001602 0.001783 0.001932
38 0.000999 0.001107 0.001226 0.001366 0.001534 0.001735 0.001951 0.002124
39 0.001080 0.001187 0.001316 0.001466 0.001652 0.001879 0.002145 0.002341
40 0.001156 0.001274 0.001410 0.001573 0.001780 0.002044 0.002355 0.002607
41 0.001256 0.001385 0.001535 0.001716 0.001950 0.002243 0.002600 0.002918
42 0.001359 0.001504 0.001675 0.001886 0.002144 0.002472 0.002872 0.003263
43 0.001457 0.001630 0.001833 0.002076 0.002370 0.002730 0.003171 0.003597
44 0.001557 0.001766 0.002004 0.002289 0.002622 0.003019 0.003470 0.003944
45 0.001674 0.001915 0.002197 0.002522 0.002900 0.003314 0.003799 0.004295
46 0.001814 0.002085 0.002412 0.002792 0.003213 0.003686 0.004231 0.004764
47 0.001996 0.002281 0.002652 0.003068 0.003553 0.004095 0.004706 0.005290
48 0.002210 0.002504 0.002896 0.003363 0.003914 0.004529 0.005234 0.005900
49 0.002444 0.002737 0.003163 0.003677 0.004291 0.005001 0.005816 0.006597
50 0.002669 0.002981 0.003440 0.004002 0.004694 0.005506 0.006453 0.007366
51 0.002961 0.003302 0.003793 0.004412 0.005178 0.006095 0.007168 0.008205
52 0.003258 0.003628 0.004168 0.004852 0.005704 0.006733 0.007933 0.009093
53 0.003547 0.003957 0.004562 0.005324 0.006270 0.007401 0.008736 0.010038
54 0.003836 0.004295 0.004976 0.005835 0.006874 0.008110 0.009581 0.010993
55 0.004136 0.004655 0.005423 0.006380 0.007525 0.008878 0.010499 0.012002
56 0.004453 0.005041 0.005903 0.006969 0.008230 0.009719 0.011503 0.013199
57 0.004792 0.005463 0.006425 0.007611 0.009006 0.010647 0.012612 0.014552
58 0.005179 0.005927 0.006993 0.008302 0.009847 0.011668 0.013850 0.016107
59 0.005638 0.006445 0.007608 0.009038 0.010755 0.012791 0.015315 0.017833
60 0.006166 0.007018 0.008276 0.009836 0.011738 0.014102 0.016934 0.019730
61 0.006750 0.007646 0.009040 0.010788 0.013034 0.015778 0.019033 0.022339
62 0.007381 0.008341 0.009886 0.011906 0.014476 0.017620 0.021375 0.025260
63 0.008035 0.009075 0.010846 0.013130 0.016049 0.019656 0.023955 0.028332
64 0.008725 0.009901 0.011887 0.014457 0.017783 0.021892 0.026620 0.031694
65 0.009545 0.010848 0.013063 0.015963 0.019713 0.024218 0.029543 0.035262
66 0.010525 0.011960 0.014498 0.017818 0.021993 0.027151 0.033288 0.039753
67 0.011719 0.013327 0.016222 0.019891 0.024590 0.030419 0.037425 0.044751
68 0.013211 0.015001 0.018214 0.022318 0.027558 0.034063 0.041992 0.050242
69 0.014996 0.016926 0.020556 0.025115 0.030882 0.038086 0.047003 0.056544
70 0.017003 0.019131 0.023235 0.028264 0.034585 0.042510 0.052473 0.063622
71 0.018536 0.020858 0.025500 0.031199 0.038389 0.047400 0.058780 0.071569
72 0.020213 0.022730 0.027977 0.034434 0.042588 0.052838 0.065801 0.080426
73 0.021993 0.024725 0.030641 0.037930 0.047158 0.058767 0.073492 0.090787
74 0.023541 0.026468 0.033007 0.041099 0.051348 0.064283 0.091221 0.100724
75 0.024749 0.027815 0.034919 0.043721 0.054897 0.069419 0.088079 0.109645
76 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.114626
77 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.119712
78 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.126555
79 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.136957
MNS
MEDICAL PROJECTED
AGE [X] [X+1] [X+2] [X+3] [X+4] [X+5] [X+6] [X+7]
--- -------- -------- -------- -------- -------- -------- -------- --------
21 0.000615 0.000678 0.000702 0.000693 0.000672 0.000629 0.000643 0.000635
22 0.000565 0.000631 0.000662 0.000650 0.000630 0.000606 0.000600 0.000596
23 0.000535 0.000592 0.000627 0.000615 0.000607 0.00058_ 0.000577 0.000573
24 0.000498 0.000550 0.000586 0.000592 0.000581 0.0005_5 0.000556 0.000563
25 0.000465 0.000510 0.000555 0.000561 0.000567 0.000552 0.000553 0.000568
26 0.000437 0.000482 0.000519 0.000535 0.000548 0.000550 0.000559 0.000571
27 0.000426 0.000457 0.000495 0.000517 0.000540 0.000557 0.000570 0.000588
28 0.000424 0.000456 0.000487 0.000518 0.000548 0.000569 0.000589 0.000626
29 0.000432 0.000457 0.000489 0.000527 0.000562 0.000589 0.000628 0.000662
30 0.000440 0.000473 0.000512 0.000542 0.000583 0.000630 0.000660 0.000713
31 0.000451 0.000497 0.000529 0.000571 0.000620 0.000663 0.000713 0.000775
32 0.000463 0.000510 0.000554 0.000604 0.000650 0.000708 0.000775 0.000850
33 0.000460 0.000519 0.000577 0.000631 0.000697 0.000765 0.000846 0.000927
34 0.000454 0.000532 0.000595 0.000670 0.000750 0.000832 0.000919 0.001012
35 0.000459 0.000543 0.000626 0.000719 0.000808 0.000900 0.000995 0.001102
36 0.000462 0.000573 0.000675 0.000782 0.000888 0.000990 0.001105 0.001225
37 0.000489 0.000612 0.000734 0.000860 0.000980 0.001098 0.001225 0.001359
38 0.000524 0.000668 0.000814 0.000954 0.001090 0.001220 0.001356 0.001517
39 0.000571 0.000744 0.000905 0.001061 0.001209 0.001353 0.001512 0.001697
40 0.000627 0.000827 0.001009 0.001187 0.001339 0.001500 0.001689 0.001894
41 0.000685 0.000912 0.001126 0.001313 0.001488 0.001674 0.001872 0.002093
42 0.000744 0.001003 0.001234 0.001449 0.001653 0.001855 0.002070 0.002311
43 0.000805 0.001086 0.001349 0.001595 0.001820 0.002040 0.002270 0.002531
44 0.000862 0.001176 0.001475 0.001747 0.001987 0.002228 0.002479 0.002756
45 0.000930 0.001280 0.001606 0.001911 0.002173 0.002434 0.002707 0.003014
46 0.001005 0.001384 0.001744 0.002088 0.002387 0.002671 0.002979 0.003319
47 0.001080 0.001505 0.001906 0.002289 0.002638 0.002962 0.003296 0.003679
48 0.001156 0.001640 0.002093 0.002521 0.002944 0.003316 0.003692 0.004133
49 0.001239 0.001788 0.002300 0.002798 0.003285 0.003721 0.004173 0.004671
50 0.001324 0.001956 0.002538 0.003095 0.003650 0.004173 0.004700 0.005263
51 0.001415 0.002142 0.002796 0.003416 0.004042 0.004649 0.005246 0.005850
52 0.001522 0.002340 0.003070 0.003762 0.004444 0.005117 0.005759 0.006446
53 0.001632 0.002546 0.003360 0.004109 0.004848 0.005541 0.006255 0.007002
54 0.001760 0.002771 0.003661 0.004468 0.005237 0.005972 0.006724 0.007533
55 0.001902 0.003022 0.003996 0.004844 0.005668 0.006423 0.007202 0.008070
56 0.002073 0.003306 0.004364 0.005290 0.006137 0.006908 0.007733 0.008672
57 0.002281 0.003637 0.004812 0.005802 0.006660 0.007479 0.008368 0.009370
58 0.002525 0.004051 0.005348 0.006404 0.007305 0.008195 0.009147 0.010194
59 0.002826 0.004534 0.005962 0.007104 0.008092 0.009058 0.010062 0.011148
60 0.003167 0.005070 0.006645 0.007891 0.009004 0.010030 0.011093 0.012226
61 0.003561 0.005647 0.007375 0.008759 0.009982 0.011081 0.012211 0.013457
62 0.004006 0.006248 0.008129 0.009677 0.010984 0.012179 0.013430 0.014794
63 0.004505 0.006945 0.008967 0.010640 0.012005 0.013310 0.014665 0.016173
64 0.005071 0.007762 0.009917 0.011648 0.013092 0.014480 0.015945 0.017604
65 0.005698 0.008629 0.010928 0.012708 0.014251 0.015749 0.017343 0.019233
66 0.006380 0.009490 0.011927 0.013796 0.015502 0.017167 0.018992 0.021101
67 0.007140 0.010277 0.012820 0.014909 0.016865 0.018821 0.020907 0.023410
68 0.007966 0.011003 0.013642 0.016026 0.018369 0.020704 0.023277 0.026256
69 0.008869 0.011736 0.014455 0.017180 0.019968 0.022897 0.026073 0.029698
70 0.009844 0.012443 0.015264 0.018319 0.021699 0.025321 0.029298 0.033700
71 0.010816 0.013684 0.016765 0.020113 0.023773 0.027731 0.032083 0.036888
72 0.011888 0.015027 0.018405 0.022042 0.026043 0.030375 0.035127 0.040375
73 0.013038 0.016478 0.020145 0.024113 0.028485 0.033208 0.038388 0.044126
74 0.014068 0.017744 0.021678 0.025944 0.030639 0.035711 0.041281 0.047444
75 0.014876 0.018752 0.022911 0.027410 0.032359 0.037712 0.043591 0.050079
76 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
77 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
78 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
79 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
AGE [X+8] [X+9] [X+10] [X+11] [X+12] [X+13] [X+14] [X+15]
--- -------- -------- -------- -------- -------- -------- -------- --------
21 0.000643 0.000648 0.000641 0.000659 0.000666 0.000675 0.0006_3 0.000683
22 0.000604 0.000620 0.000628 0.000632 0.000650 0.000676 0.000692 0.000_64
23 0.000585 0.000610 0.000617 0.000626 0.000661 0.000685 0.0007_8 0.000756
24 0.000583 0.000603 0.000626 0.000643 0.000675 0.000715 0.00076_ 0.000821
25 0.000585 0.000611 0.000647 0.000667 0.000715 0.000779 0.0008_2 0.000894
26 0.000594 0.000634 0.000665 0.000710 0.000774 0.000851 0.000918 0.000983
27 0.000624 0.000660 0.000705 0.000770 0.000847 0.000933 0.001013 0.001083
28 0.000658 0.000707 0.000766 0.000839 0.000922 0.001021 0.001110 0.001206
29 0.000708 0.000778 0.000845 0.000919 0.001010 0.001115 0.001225 0.001338
30 0.000779 0.000857 0.000930 0.001012 0.001109 0.001230 0.001349 0.001497
31 0.000859 0.000942 0.001024 0.001116 0.001229 0.001359 0.001501 0.001678
32 0.000940 0.001035 0.001127 0.001240 0.001361 0.001514 0.001656 0.001888
33 0.001024 0.001134 0.001245 0.001367 0.001520 0.001707 0.001904 0.002119
34 0.001118 0.001240 0.001366 0.001515 0.001708 0.001924 0.002135 0.002393
35 0.001225 0.001349 0.001503 0.001687 0.001909 0.002150 0.002395 0.002702
36 0.001352 0.001499 0.001681 0.001888 0.002134 0.002411 0.002692 0.003020
37 0.001508 0.001679 0.001880 0.002103 0.002376 0.002690 0.003011 0.003_55
38 0.001690 0.001880 0.002088 0.002335 0.002631 0.002982 0.003369 0.003750
39 0.001894 0.002092 0.002319 0.002584 0.002910 0.003314 0.003778 0.004206
40 0.002105 0.002332 0.002573 0.002857 0.003226 0.003688 0.004234 0.004769
41 0.002334 0.002585 0.002857 0.003192 0.003617 0.004154 0.004812 0.005509
42 0.002576 0.002857 0.003185 0.003585 0.004075 0.004702 0.005472 0.006353
43 0.002813 0.003158 0.003554 0.004032 0.004617 0.005336 0.006220 0.007221
44 0.003068 0.003480 0.003964 0.004547 0.005236 0.006063 0.007003 0.008200
45 0.003355 0.003841 0.004435 0.005126 0.005937 0.006832 0.007922 0.009239
46 0.003702 0.004258 0.004943 0.005740 0.006628 0.007659 0.008854 0.010251
47 0.004152 0.004746 0.005515 0.006376 0.007409 0.008567 0.009886 0.011387
48 0.004685 0.005308 0.006111 0.007093 0.008248 0.009546 0.011039 0.012708
49 0.005278 0.005908 0.006797 0.007867 0.009145 0.010621 0.012320 0.014218
50 0.005874 0.006582 0.007527 0.008691 0.010118 0.011788 0.013726 0.015867
51 0.006521 0.007288 0.008322 0.009626 0.011239 0.013170 0.015401 0.017894
52 0.007171 0.008010 0.009169 0.010637 0.012470 0.014661 0.017220 0.020082
53 0.007812 0.008738 0.010061 0.011731 0.013790 0.016252 0.019166 0.022618
54 0.008449 0.009493 0.011005 0.012906 0.015210 0.017965 0.021394 0.025266
55 0.009117 0.010292 0.012013 0.014171 0.016759 0.019961 0.023854 0.028155
56 0.009820 0.011141 0.013078 0.015485 0.018451 0.022000 0.026347 0.031247
57 0.010565 0.012072 0.014239 0.017009 0.020317 0.024288 0.029140 0.034795
58 0.011416 0.013104 0.015577 0.018659 0.022374 0.026833 0.032305 0.036337
59 0.012432 0.014315 0.017037 0.020452 0.024620 0.029682 0.035572 0.042283
60 0.013652 0.015663 0.018649 0.022413 0.027101 0.032610 0.039206 0.046590
61 0.015011 0.017164 0.020430 0.024601 0.029670 0.035857 0.043103 0.051376
62 0.016503 0.018837 0.022430 0.026883 0.032525 0.039335 0.047361 0.056641
63 0.018063 0.020639 0.024467 0.029380 0.035570 0.043117 0.051984 0.062446
64 0.019742 0.022481 0.026687 0.032047 0.038885 0.047220 0.056978 0.068678
65 0.021573 0.024611 0.029163 0.035046 0.042553 0.051710 0.062395 0.075172
66 0.023782 0.027106 0.032149 0.038675 0.046966 0.057077 0.068944 0.082784
67 0.026466 0.030164 0.035747 0.042905 0.051966 0.063026 0.076107 0.091141
68 0.029811 0.033930 0.040087 0.047856 0.057647 0.069609 0.083905 0.100168
69 0.033834 0.038418 0.045182 0.053552 0.064012 0.076803 0.092339 0.110505
70 0.038494 0.043590 0.051022 0.059964 0.071034 0.084622 0.101446 0.121974
71 0.042126 0.047706 0.055830 0.065579 0.077655 0.092487 0.110827 0.133207
72 0.046113 0.052205 0.061068 0.071711 0.084885 0.101061 0.121055 0.145452
73 0.050385 0.057018 0.066672 0.078268 0.092610 0.110214 0.131974 0.159514
74 0.054150 0.061252 0.071605 0.084021 0.099383 0.118234 0.142354 0.172067
75 0.057130 0.064606 0.075495 0.088552 0.104700 0.125186 0.150731 0.182264
76 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.190814
77 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.199516
78 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.211052
79 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.228497
_SK
MEDICAL PROJECTED
ASE [X] [X+1] [X+2] [X+3] [X+4] [X+5] [X+6] [X+7]
--- -------- -------- -------- -------- -------- -------- -------- --------
21 0.000965 0.001080 0.001135 0.001138 0.001127 0.001075 0.001124 0.001139
22 0.000901 0.001020 0.001088 0.001090 0.001076 0.001060 0.001077 0.001102
23 0.000866 0.000972 0.001052 0.001051 0.001061 0.0010_1 0.001067 0.001109
24 0.000817 0.000923 0.001000 0.001036 0.001043 0.001045 0.001075 0.001122
25 0.000781 0.000871 0.000971 0.001006 0.001049 0.001067 0.001103 0.001157
26 0.000746 0.000844 0.000932 0.000988 0.001060 0.0010_7 0.001139 0.001194
27 0.000745 0.000820 0.000915 0.001000 0.001077 0.001134 0.001192 0.001257
28 0.000762 0.000844 0.000942 0.001032 0.001116 0.001189 0.001258 0.001345
29 0.000798 0.000884 0.000975 0.001072 0.001174 0.001258 0.001349 0.001451
30 0.000852 0.000943 0.001042 0.001133 0.001246 0.001352 0.001446 0.001577
31 0.000899 0.001011 0.001105 0.001221 0.001331 0.001454 0.001577 0.001740
32 0.000943 0.001065 0.001183 0.001298 0.001425 0.001566 0.001742 0.001930
33 0.000962 0.001108 0.001239 0.001384 0.001542 0.001720 0.001922 0.002134
34 0.000971 0.001143 0.001305 0.001482 0.001685 0.001889 0.002115 0.002358
35 0.000985 0.001190 0.001385 0.001615 0.001833 0.002073 0.002318 0.002590
36 0.001013 0.001267 0.001515 0.001775 0.002045 0.002308 0.002598 0.002901
37 0.001081 0.001374 0.001667 0.001979 0.002284 0.002581 0.002901 0.003251
38 0.001177 0.001516 0.001874 0.002223 0.002562 0.002888 0.003244 0.003649
39 0.001295 0.001713 0.002109 0.002494 0.002862 0.003236 0.003635 0.004062
40 0.001444 0.001926 0.002372 0.002809 0.003202 0.003608 0.004041 0.004515
41 0.001569 0.002143 0.002666 0.003141 0.003578 0.004007 0.004464 0.004969
42 0.001749 0.002376 0.002951 0.003484 0.003957 0.004422 0.004914 0.005465
43 0.001905 0.002598 0.003245 0.003817 0.004340 0.004813 0.005370 0.005951
44 0.002061 0.002829 0.003530 0.004166 0.004718 0.005269 0.005828 0.006429
45 0.002237 0.003063 0.003830 0.004537 0.005139 0.005723 0.006314 0.006936
46 0.002405 0.003299 0.004142 0.004938 0.005612 0.006230 0.006854 0.007552
47 0.002574 0.003574 0.004509 0.005381 0.006153 0.006817 0.007501 0.008263
48 0.002745 0.003879 0.004920 0.005881 0.006776 0.007544 0.008293 0.009125
49 0.002931 0.004204 0.005364 0.006438 0.007475 0.008358 0.009213 0.010132
50 0.003112 0.004563 0.005841 0.007043 0.008198 0.009215 0.010194 0.011207
51 0.003302 0.004930 0.006362 0.007672 0.008926 0.010083 0.011171 0.012248
52 0.003502 0.005325 0.006894 0.008307 0.009640 0.010897 0.012059 0.013176
53 0.003714 0.005718 0.007419 0.008913 0.010323 0.011602 0.012785 0.013988
54 0.003952 0.006118 0.007941 0.009514 0.010966 0.012208 0.013432 0.014749
55 0.004199 0.006555 0.008509 0.010143 0.011585 0.012932 0.014099 0.015488
56 0.004497 0.007040 0.009137 0.010814 0.012259 0.013524 0.014842 0.016314
57 0.004858 0.007615 0.009837 0.011591 0.013039 0.014354 0.015744 0.017262
58 0.005287 0.008281 0.010683 0.012537 0.014020 0.015417 0.016851 0.018396
59 0.005777 0.009057 0.011672 0.013634 0.015223 0.016688 0.018159 0.019691
60 0.006328 0.009927 0.012753 0.014846 0.016589 0.018101 0.019594 0.021129
61 0.006972 0.010839 0.013874 0.016137 0.018014 0.019573 0.021103 0.022733
62 0.007638 0.011755 0.014977 0.017464 0.019402 0.021049 0.022688 0.024424
63 0.008476 0.012796 0.016182 0.018794 0.020748 0.022484 0.024211 0.026084
64 0.009342 0.014007 0.017518 0.020131 0.022116 0.023905 0.025715 0.027714
65 0.010282 0.015242 0.018887 0.021467 0.023527 0.025400 0.027304 0.029538
66 0.011270 0.016402 0.020148 0.022776 0.025002 0.027026 0.029167 0.031602
67 0.012340 0.017361 0.021165 0.024044 0.026552 0.028905 0.031311 0.034162
68 0.013457 0.018166 0.022002 0.025230 0.028210 0.031008 0.033968 0.037558
69 0.014642 0.018928 0.022757 0.026384 0.029905 0.033413 0.037296 0.041621
70 0.015876 0.019589 0.023443 0.027436 0.031665 0.036221 0.041061 0.046259
71 0.017028 0.021015 0.025108 0.029350 0.034006 0.038866 0.044041 0.049577
72 0.018258 0.022506 0.026859 0.031530 0.036500 0.041695 0.047211 0.053100
73 0.019526 0.024046 0.028817 0.033794 0.039102 0.044632 0.050487 0.056765
74 0.020529 0.025382 0.030381 0.035613 0.041178 0.046966 0.053106 0.059663
75 0.021279 0.026281 0.031449 0.036840 0.042558 0.048514 0.054818 0.061533
76 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
77 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
78 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
79 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000
ASE [X+8] [X+9] [X+10] [X+11] [X+12] [X+13] [X+14] [X+15]
--- -------- -------- -------- -------- -------- -------- -------- --------
21 0.001189 0.001253 0.001257 0.001298 0.001322 0.001345 0.001365 0.001373
22 0.001169 0.001237 0.001257 0.001277 0.001319 0.001356 0.00___1 0.001427
23 0.001167 0.001242 0.001267 0.001294 0.001349 0.001402 0.00___5 0.001558
24 0.001187 0.001260 0.001316 0.001334 0.001407 0.001476 0.00____ 0.0017_8
25 0.001222 0.001305 0.001365 0.001414 0.001503 0.001633 0.00____ 0.001_87
26 0.001269 0.001361 0.001434 0.001517 0.001652 0.001803 0.00____ 0.002100
27 0.001341 0.001447 0.001533 0.001671 0.001827 0.002006 0.00____ 0.002333
28 0.001443 0.001564 0.001692 0.001841 0.002017 0.002220 0.002391 0.002616
29 0.001565 0.001748 0.001886 0.002045 0.002237 0.002445 0.002658 0.002933
30 0.001750 0.001946 0.002106 0.002281 0.002477 0.002718 0.002958 0.003300
31 0.001950 0.002169 0.002346 0.002536 0.002764 0.003033 0.003308 0.003681
32 0.002163 0.002413 0.002605 0.002837 0.003093 0.003398 0.003698 0.004126
33 0.002386 0.002664 0.002898 0.003160 0.003473 0.003913 0.004161 0.004612
34 0.002628 0.002936 0.003212 0.003522 0.003883 0.004282 0.004647 0.005188
35 0.002900 0.003228 0.003554 0.003902 0.004325 0.004765 0.005194 0.005822
36 0.003234 0.003604 0.003956 0.004352 0.004914 0.005323 0.005800 0.006458
37 0.003627 0.004018 0.004408 0.004826 0.005340 0.005902 0.006439 0.007078
38 0.004046 0.004483 0.004876 0.005338 0.005877 0.006493 0.007108 0.007821
39 0.004517 0.004968 0.005395 0.005873 0.006448 0.007117 0.007879 0.008659
40 0.004998 0.005515 0.005948 0.006443 0.007053 0.007831 0.008717 0.009653
41 0.005520 0.006076 0.006553 0.007101 0.007818 0.008708 0.009740 0.010953
42 0.006057 0.006664 0.007208 0.007884 0.008693 0.009692 0.010881 0.012402
43 0.006561 0.007268 0.007950 0.008754 0.009685 0.010801 0.012141 0.013860
44 0.007059 0.007918 0.008755 0.009706 0.010789 0.012049 0.013441 0.015363
45 0.007634 0.008627 0.009629 0.010748 0.012010 0.013351 0.014843 0.016919
46 0.008315 0.009402 0.010543 0.011817 0.013182 0.014611 0.016215 0.018397
47 0.009168 0.010295 0.011547 0.012904 0.014385 0.015973 0.017744 0.020033
48 0.010163 0.011303 0.012581 0.014015 0.015652 0.017445 0.019421 0.021917
49 0.011239 0.012370 0.013661 0.015191 0.017009 0.019027 0.021244 0.024014
50 0.012300 0.013453 0.014788 0.016450 0.018448 0.020698 0.023183 0.026250
51 0.013330 0.014559 0.016021 0.017859 0.020088 0.022649 0.025479 0.028971
52 0.014326 0.015682 0.017303 0.019344 0.021829 0.024696 0.027881 0.031814
53 0.015294 0.016770 0.018612 0.020896 0.023641 0.026795 0.030366 0.035028
54 0.016216 0.017860 0.019939 0.022514 0.025525 0.028977 0.033129 0.038238
55 0.017153 0.018962 0.021318 0.024199 0.027517 0.031473 0.036100 0.041624
56 0.018092 0.020106 0.022714 0.025871 0.029611 0.033903 0.038954 0.045097
57 0.019066 0.021324 0.024199 0.027775 0.031868 0.036559 0.042052 0.048989
58 0.020166 0.022647 0.025876 0.029782 0.034283 0.039429 0.045482 0.052631
59 0.021486 0.024183 0.027662 0.031885 0.036821 0.042550 0.048838 0.056558
60 0.023063 0.025860 0.029578 0.034109 0.039543 0.045583 0.052441 0.061091
61 0.024782 0.027682 0.031630 0.036524 0.042213 0.048836 0.056517 0.066011
62 0.026615 0.029656 0.033879 0.038920 0.045088 0.052517 0.060850 0.071277
63 0.028438 0.031697 0.036033 0.041447 0.048335 0.056408 0.065417 0.076934
64 0.030319 0.033669 0.038295 0.044314 0.051777 0.060503 0.070194 0.092793
65 0.032309 0.035914 0.041022 0.047487 0.055499 0.064857 0.075218 0.088645
66 0.034704 0.038775 0.044309 0.051318 0.059967 0.070063 0.081299 0.095434
67 0.037859 0.042275 0.048252 0.055742 0.064927 0.075676 0.087739 0.102649
68 0.041780 0.046575 0.052981 0.060843 0.070450 0.081704 0.094506 0.110186
69 0.046443 0.051633 0.058435 0.066597 0.076468 0.088086 0.101577 0.118639
70 0.051735 0.057328 0.064541 0.072891 0.082916 0.094781 0.10_910 0.127738
71 0.055404 0.061371 0.069041 0.077898 0.088531 0.101094 0.116059 0.135986
72 0.059321 0.065650 0.073785 0.083184 0.094440 0.107754 0.123570 0.145452
73 0.063362 0.070058 0.078679 0.088607 0.100515 0.114547 0.131974 0.159514
74 0.066534 0.073510 0.082463 0.092781 0.105142 0.119712 0.142354 0.172067
75 0.068563 0.075660 0.084810 0.095331 0.107909 0.125186 0.150731 0.182264
76 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.190814
77 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.199516
78 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.211052
79 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.000000 0.228497
Amendment No. 2
to the
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance
effective April 1, 1986 for automatic reinsurance)
Between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to reinsure under the terms and conditions of the Agreement
issues of your Graded Premium Whole Life product (Form No. P1410 - 3/87) where
the policy issue dates are on or after May 1, 1987, for issue ages 0-70.
In addition, the following conditions shall apply to the reinsurance of the
above named plan:
1. PLAN OF REINSURANCE AND REINSURANCE PREMIUMS:
a. Life Insurance:
This plan shall be reinsured on a Yearly Renewable Term basis as
described in PLAN OF REINSURANCE, Article VI of the Agreement.
The annual reinsurance premiums per $1000 reinsured shall be the
following percentages of the mortality costs shown attached to
this Amendment.
POLICY NAME
Graded Premium Whole Life
Preferred Preferred
Year Nonsmoker Nonsmoker Smoker Smoker
---- --------- --------- --------- ------
1+ 117.5% 107.5% 120% 105%
b. Flat Extra Premiums:
The following coinsurance allowances shall apply to flat extra
premiums:
First Year Renewal
---------- -------
Permanent Flat Extra
(For more than 5 years duration) 85% 15%
Temporary Flat Extra
(For 5 years or less duration) 0% 15%
c. Disability Waiver of Premium Benefit:
The following coinsurance allowances shall apply to disability
waiver of premium benefit.
First Year Renewal
---------- -------
100% 10%
d. Substandard reinsurance premiums shall be at the appropriate
multiple of the standard rates.
e. These reinsurance premiums also apply to policies which re-enter.
2. RETENTION LIMITS:
a. Life Insurance:
For this plan you shall retain for the subject life a maximum
amount of $500,000. The amount retained shall be determined as
follows:
LAYER A: An amount equal to $250,000
Plus
LAYER B: 10% of the total face amount.
The total of LAYERS A and B shall not exceed $500,000.
For this plan the minimum cession shall be $50,000.
b. Disability Waiver of Premium Benefit:
An amount equal to that attaching to the face amount of Life
coverage retained.
The above stated Retention Limits is a combined corporate retention
limit for the following three companies: Life Insurance Company of
Virginia, American Agency Life Insurance Company, and Virginia Life
Insurance Company of New York.
3. AUTOMATIC ACCEPTANCE LIMITS:
The total maximum amount of life reinsurance which you can cede
automatically shall be $1,000,000.
It is understood that another reinsurer is also participating in the
reinsurance and the total automatic acceptance limit as defined above
is for each participant separately.
4. INFORCE AND APPLIED FOR LIMITS:
The total life insurance inforce, known to the Ceding Company, in all
companies plus the amount applied for in all companies on any one
life shall not exceed the following limits:
Issue Age Limits
--------- ------
0-70 $5,000,000
over 70 no automatic reinsurance available
5. PERCENTAGE REINSURED:
Policies and supplemental benefits reinsured automatically shall be
those plans shown above on which the Ceding Company's insured's
surname begins with the letters A-Z inclusive. For these policies and
benefits, Security Life will automatically reinsure 50% of the excess
over the Ceding Company's Retention Limits as shown in number 2 to
this Amendment.
The effective date of this Amendment is May 1, 1987.
LIFE OF VIRGINIA SECURITY LIFE OF DENVER
INSURANCE COMPANY INSURANCE COMPANY
By /s/ Illegible By /s/ Illegible
----------------------------------- ------------------------------------
Title __ V.P. Title Second Vice President
Date 8-3-87 Date July 28, 1987
Amendment No. 4
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance
effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to the following:
1. Your Charger FT product has been revised and renamed Charger FT
Revised, and shall continue to be reinsured under the same terms and
conditions of the Agreement applicable to Charger FT.
2. Effective May 1, 1987, issues of your Excess Interest Whole Life plan
(Form No. P1170-3/87) shall be reinsured under the terms and
conditions of the Agreement. For this plan of insurance, the following
shall also apply:
a. Policy and supplemental benefit forms eligible for automatic
reinsurance shall include the following:
POLICY NAME ISSUE AGE
----------- ---------
Excess Interest Whole Life (X-871) 0-75
b. Reinsurance shall be on a Monthly Renewable Term basis.
c. The monthly standard reinsurance premiums per $1000 reinsured
shall be the following percentages of 1/12th of the appropriate
R-factors shown in Exhibit B of the Agreement.
Preferred Standard Preferred Standard
Year Nonsmoker Nonsmoker Smoker Smoker
---- --------- --------- --------- --------
1 0% 0% 0% 0%
* 2-10 174% 165% 183% 158%
* 11+ 128% 131% 131% 134%
(* An additional $.10 per $1000 of reinsurance shall be paid in
renewal years.)
The effective date of this amendment is May 1, 1987.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By /s/ Illegible By /s/ Xxxxxx X. Xxxxxxxx
----------------------------------- ------------------------------------
Title __ V.P. Title 2nd VP - Reinsurance
Date 11-6-87. Date October 26, 1987
_______________
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance
effective April 1, 1986 for automatic reinsurance)
Between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to the following changes in the reinsurance premiums payable
under the Agreement.
1. Existing replacement business
a. Automatic
For any automatically reinsured replacement business where the
contestability periods were waived, the rates shown on Attachment No.
1 to this Amendment shall be used.
b. Facultative
For any facultatively reinsured replacement business where the
contestability periods were waived, to include but not be limited to
the policies listed in Attachment No. 3 to this Amendment, the rates
shown on Attachment No. 2 to this Amendment shall be used.
For this existing replacement business, the reinsurance premium change
shall be effective on the effective date of the Agreement and applies to
all renewal premiums for any policies inforce as of August 1, 1987. That
is, a premium adjustment shall be made for this replacement business for
all policy anniversaries, or monthiversaries, since the inception of the
Agreement, provided the policy was inforce on August 1, 1987.
2. New business
For all new business where the policy issue date is on or after August 1,
1987, the reinsurance premiums shall be those shown in Attachment No. 1 to
this Amendment.
This Amendment is effective on the effective date of the Agreement.
THE LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By /s/ Illegible By /s/ Xxxxxx X. Xxxxxxxx
----------------------------------- ------------------------------------
Title __ Vice President Title 2nd VP - Reinsurance
Date 10-6-87 Date September 21, 1987
Attachment No. 1
Reinsurance Premiums and Coinsurance Allowances
for Automatic Replacement Business and New Business
1. The monthly standard reinsurance premiums per $1000 reinsured shall be the
following percentages of 1/12th of the appropriate R-factors.
Plans: Challenger 2000, Charger/FT, Contender II, Contender Plus,
aa Plus UL, VL-Plus, T-Charger, Additional Insured Rider
Preferred Standard Preferred Standard
Year Nonsmoker Nonsmoker Smoker Smoker
---- --------- --------- --------- --------
1 0% 0% 0% 0%
* 2-10 165% 157% 174% 150%
* 11+ 122% 124% 124% 127%
(*An additional $.10 per $1000 of reinsurance shall be paid in renewal years.)
Plans: 3-Category R-factor UL plans
Preferred Standard Standard
Year Nonsmoker Nonsmoker Smoker
---- --------- --------- --------
1 0% 0% 0%
* 2-10 165% 157% 174%
* 11+ 122% 124% 124%
(*An additional $.10 per $1000 of reinsurance shall be paid in renewal years.)
Substandard reinsurance premiums shall be at the appropriate multiple of the
standard rates.
2. The annual standard reinsurance premiums per $1000 reinsured shall be the
following percentages of the appropriate mortality cost factors.
Plan: Graded Premium Whole Life (New Business)
Preferred Standard Preferred Standard
Year Nonsmoker Nonsmoker Smoker Smoker
---- --------- --------- --------- --------
1+ 129% 118% 132% 116%
Substandard reinsurance premiums shall be at the appropriate multiple of the
standard rates.
3. Coinsurance Allowances
Plans: Ten Year Term, Additional Insured Rider
Preferred Standard Preferred Standard
Year Nonsmoker Nonsmoker Smoker Smoker
---- --------- --------- --------- --------
Band I 1 100% 100% 100% 100%
2-10 9% 20% 15% 18%
Band II 1 100% 100% 100% 100%
2-10 9% 7% 2% 7%
Band III Same as Band II
Attachment No. 2
Reinsurance Premiums and Coinsurance Allowances
for Facultative Replacement Business
1. The monthly standard reinsurance premiums per $1000 reinsured shall be the
following percentages of 1/12th of the appropriate R-factors.
Plans: Challenger 2000, Charger/FT, Contender II, Contender Plus,
aa Plus UL, VL-Plus, T-Charger, Additional Insured Rider
Preferred Standard Preferred Standard
Year Nonsmoker Nonsmoker Smoker Smoker
---- --------- --------- --------- --------
1 0% 0% 0% 0%
* 2-10 173% 164% 182% 156%
* 11+ 128% 130% 130% 132%
(*An additional $.15 per $1000 of reinsurance shall be paid in renewal years.)
Plans: 3-Category R-factor UL plans
Preferred Standard Standard
Year Nonsmoker Nonsmoker Smoker
---- --------- --------- --------
1 0% 0% 0%
* 2-10 173% 164% 182%
* 11+ 128% 130% 130%
(*An additional $.15 per $1000 of reinsurance shall be paid in renewal years.)
Substandard reinsurance premiums shall be at the appropriate multiple of the
standard rates.
2. Coinsurance Allowances
Plans: Ten Year Term, Additional Insured Rider
Preferred Standard Preferred Standard
Year Nonsmoker Nonsmoker Smoker Smoker
---- --------- --------- --------- --------
Band I 1 100% 100% 100% 100%
2-10 5% 16% 11% 14%
Band II 1 100% 100% 100% 100%
2-10 5% 2% -2%(neg.) 2%
Band III Same as Band II
Amendment No. 5
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance
effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to the following:
1. Your LOV Plus product has replaced your aaPlus product, and shall be
reinsured under the same terms and conditions of the Agreement
applicable to aaPlus.
2. Effective May 1, 1987, issues of your Single Premium Whole Life plans
listed below shall be reinsured under the terms and conditions of the
Agreement.
Effective October 1, 1987, issues of your Asset Allocation Life plan
(Form No. 13014 8/87) shall be reinsured under the terms and
conditions of the Agreement.
For these plans of insurance, the following shall also apply:
a. Policy and supplemental benefit forms eligible for automatic
reinsurance shall include the following:
POLICY NAME ISSUE AGE
----------- ---------
LOV SPWL 0-75
VLNY SPWL 0-75
Variable SPWL 0-75
Asset Allocation Life 0-75
b. Reinsurance shall be on a Monthly Renewable Term basis.
c. The monthly standard reinsurance premiums per $1000 reinsured
shall be the following percentages of 1/12th of the Mortality
Factors attached to this Amendment.
Year Nonsmoker and Smoker
---- --------------------
All 90%
d. Your retention limit shall be the following:
Age Standard
----- --------
0-70 $500,000
71-75 $250,000
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.
e. For these two products, policies rated through Table 2 shall be
issued as standard. Policies with substandard ratings above Table
2 are not reinsured under the Agreement.
f. For death benefit increases as required by the Definition of Life
Insurance, our automatic acceptance limit over the lifetime of
the contract shall be the lesser of (A) and (B), not to exceed
(C), where,
A = four times your scheduled retention
B = $2,000,000
C = ten times the original amount issued
The effective date of this Amendment is May 1, 1987.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By /s/ Illegible By /s/ Xxxxxx X. Xxxxxxxx
----------------------------------- ------------------------------------
Title __ V.P. Title 2nd VP - Reinsurance
Date 2-10-88 Date December 7, 1987
MALE _______ FACTORS
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7
--- -------- -------- -------- -------- -------- -------- -------- --------
0 5.80000 1.29171 0.79217 0.59510 0.47097 0.41391 0.35137 0.31646
1 1.33000 0.81582 0.61299 0.48523 0.42654 0.36217 0.32627 0.28909
2 0.84000 0.63129 0.49982 0.43946 0.37322 0.33630 0.29729 0.26903
3 0.65000 0.51474 0.45267 0.38452 0.34656 0.30566 0.27597 0.26527
4 0.53000 0.46618 0.39608 0.35706 0.31419 0.28301 0.27142 0.26998
5 0.48000 0.40791 0.36779 0.32288 0.29018 0.27765 0.27555 0.29249
6 0.42000 0.37877 0.33175 0.29745 0.28396 0.28116 0.29777 0.37252
7 0.39000 0.34079 0.30485 0.29035 0.28683 0.30308 0.37921 0.46154
8 0.35000 0.31236 0.29682 0.29255 0.30842 0.38594 0.46978 0.59509
9 0.32000 0.30337 0.29831 0.31377 0.39269 0.47806 0.60566 0.71995
10 0.31000 0.30413 0.31916 0.39947 0.48638 0.61628 0.73266 0.84498
11 0.31000 0.32457 0.40628 0.49473 0.62693 0.74542 0.85981 0.95304
12 0.33000 0.41313 0.50312 0.63763 0.75824 0.87470 0.96958 1.03466
13 0.42000 0.51154 0.64838 0.77110 0.88965 0.98618 1.05240 1.06290
14 0.52000 0.65917 0.78402 0.90465 1.00283 1.07020 1.08092 1.03756
15 0.66000 0.78714 0.90035 0.99095 1.05053 1.08050 1.05493 1.01215
16 0.80000 0.91515 0.96850 1.02015 1.05137 1.05385 1.02889 0.99423
17 0.92000 0.97438 0.99796 1.02076 1.04282 1.01790 0.99246 0.96736
18 0.92000 0.96473 0.98867 1.00228 1.01545 0.97163 0.94694 0.93153
19 0.88000 0.93539 0.95028 0.95513 0.94963 0.90685 0.89231 0.87779
20 0.82000 0.87649 0.90215 0.89782 0.88382 0.83282 0.83768 0.82405
21 0.75000 0.82741 0.85365 0.84051 0.81800 0.76805 0.78305 0.78107
22 0.70000 0.77763 0.81373 0.80063 0.77819 0.74685 0.74657 0.74372
23 0.67000 0.73776 0.78359 0.77042 0.75728 0.73021 0.72862 0.73312
24 0.63000 0.69794 0.74387 0.74983 0.74193 0.72285 0.71975 0.73115
25 0.60000 0.65817 0.71390 0.72646 0.73597 0.72449 0.72831 0.74581
26 0.58000 0.63853 0.69280 0.71423 0.74129 0.74642 0.75702 0.77392
27 0.58000 0.62789 0.68140 0.72080 0.75563 0.77687 0.79649 0.81697
28 0.60000 0.64666 0.69877 0.74595 0.78791 0.81944 0.84292 0.88207
29 0.63000 0.67518 0.72559 0.78018 0.83380 0.86940 0.91239 0.96019
30 0.67000 0.72316 0.78082 0.82961 0.88753 0.94344 0.98764 1.05058
31 0.71710 0.78818 0.84121 0.90407 0.96518 1.03129 1.09150 1.17264
32 0.76500 0.84318 0.91158 0.97857 1.05120 1.12647 1.21991 1.31938
33 0.79310 0.88884 0.97274 1.06232 1.15433 1.25308 1.36618 1.47559
34 0.81120 0.93498 1.04392 1.15531 1.27862 1.39843 1.52244 1.64926
35 0.84000 0.99174 1.12520 1.27654 1.41362 1.55429 1.68886 1.83279
36 0.88560 1.07831 1.25367 1.43155 1.60123 1.75361 1.91470 2.07337
37 0.96570 1.19199 1.40752 1.62175 1.81445 1.98664 2.16303 2.34736
38 1.07160 1.34282 1.60917 1.84916 2.06404 2.25162 2.44688 2.65635
39 1.20510 1.54444 1.84020 2.10560 2.33708 2.55473 2.76801 2.99340
40 1.36800 1.76576 2.10212 2.40654 2.65061 2.87877 3.11906 3.36840
41 1.47500 1.91923 2.31247 2.63850 2.90402 3.15304 3.40445 3.66974
42 1.57760 2.07923 2.50580 2.86455 3.16203 3.43243 3.70265 3.99309
43 1.67580 2.22244 2.69304 3.08465 3.41458 3.70726 3.99567 4.31219
44 1.76960 2.36013 2.87419 3.30877 3.65421 3.97606 4.29239 4.62705
45 1.87000 2.50292 3.05944 3.54100 3.91586 4.26627 4.61024 4.96312
46 2.00200 2.68458 3.29478 3.83690 4.26753 4.64163 5.00691 5.40654
47 2.13400 2.89680 3.57105 4.17226 4.67623 5.08108 5.48200 5.92141
48 2.26600 3.13025 3.88825 4.55694 5.15145 5.62637 6.06636 6.55134
49 2.40900 3.38491 4.23615 4.99093 5.68576 6.23881 6.75209 7.28895
50 2.55200 3.67141 4.61474 5.46285 6.24130 6.89122 7.48656 8.08352
51 2.70600 3.97096 5.03547 5.96743 6.82644 7.58134 8.25901 8.89518
52 2.87100 4.29432 5.46836 6.48535 7.40720 8.24190 8.96934 9.66199
53 3.04700 4.61840 5.90319 6.98678 7.97380 8.82172 9.59456 10.35691
54 3.24500 4.95385 6.33994 7.49155 8.50869 9.35821 10.16994 11.01402
55 3.45400 5.32204 6.82003 8.01761 9.05597 9.91689 10.75877 11.66807
56 3.70700 5.73024 7.33749 8.58958 9.62987 10.49192 11.37069 12.34038
57 4.01500 6.21042 7.93773 9.25186 10.28159 11.18007 12.11047 13.11884
58 4.37800 6.78665 8.66217 10.04459 11.09867 12.05675 13.02378 14.05653
59 4.80700 7.45891 9.50044 10.96777 12.10057 13.11254 14.11061 15.15346
60 5.29100 8.20587 10.42151 11.99129 13.24837 14.30031 15.33445 16.38307
61 5.85200 8.99551 11.38397 13.09509 14.46426 15.57291 16.64048 17.79078
62 6.47900 9.79582 12.34644 14.24906 15.68988 16.87379 18.05620 19.30626
63 7.17200 10.71352 13.41239 15.44318 16.90578 18.19250 19.46200 20.84120
64 7.94200 11.79127 14.62323 16.66739 18.18773 19.53673 20.89460 22.42266
65 8.78900 12.92238 15.88582 17.93897 19.54318 20.98262 22.46514 24.21315
66 9.70200 14.01943 17.12504 19.26105 21.04628 22.68123 24.41119 26.39988
67 10.70300 14.98652 18.19303 20.59189 22.69082 24.65808 26.68636 29.10613
68 11.78100 15.84875 19.14069 21.92139 24.48851 26.91723 29.50432 32.51248
69 12.94700 16.70218 20.07162 23.26982 26.39777 29.53873 32.89017 36.63758
70 14.19000 17.51458 20.97522 24.58974 28.44586 32.48713 36.79361 41.42652
71 15.53200 21.39728 26.53303 29.94865 33.13375 36.63051 40.43514 45.33503
72 16.97300 23.31810 28.94036 32.71487 36.22915 40.05582 44.23746 49.48322
73 18.49100 25.43208 31.60936 35.77711 39.61320 43.81106 48.27624 53.76045
74 20.17400 27.78213 34.57143 39.12515 43.33564 47.81858 52.44745 58.08378
75 22.03300 30.37899 37.80564 42.79983 47.29696 51.95225 56.66594 62.76662
[X] [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- -------- -------- -------- -------- --------- --------- --------- ---------
0 0.28105 0.25549 0.24727 0.24819 0.26644 0.33299 0.40482 0.51210 15
1 0.26221 0.25319 0.25357 0.27160 0.33951 0.41282 0.52232 0.62004 16
2 0.25919 0.25899 0.27678 0.34605 0.42085 0.53259 0.63235 0.72830 17
3 0.26446 0.28200 0.35262 0.42892 0.54290 0.64472 0.74269 0.82274 18
4 0.28723 0.35923 0.43702 0.55325 0.65713 0.75714 0.83885 0.89465 19
5 0.36586 0.44516 0.56365 0.66960 0.77164 0.85500 0.91196 0.92055 20
6 0.45333 0.57409 0.68211 0.78619 0.87120 0.92933 0.93818 0.90004 21
7 0.58457 0.69467 0.80081 0.88746 0.94675 0.95585 0.91709 0.87940 22
8 0.70728 0.81547 0.90377 0.96423 0.97357 0.93418 0.89588 0.86384 23
9 0.83020 0.92014 0.98175 0.99134 0.95131 0.91240 0.88003 0.85606 24
10 0.93656 0.99933 1.00916 0.96848 0.92894 0.89625 0.87210 0.84049 25
11 1.01697 1.02703 0.98569 0.94552 0.91250 0.88817 0.85624 0.83271 26
12 1.04494 1.00294 0.96213 0.92878 0.90428 0.87202 0.84831 0.80936 27
13 1.02023 0.97877 0.94510 0.92041 0.88784 0.86395 0.82453 0.83187 28
14 0.99544 0.96144 0.93658 0.90368 0.87962 0.83973 0.84856 0.84569 29
15 0.97782 0.94412 0.91955 0.89531 0.85495 0.86533 0.86379 0.86598 30
16 0.96020 0.93546 0.90252 0.87021 0.88216 0.88200 0.88567 0.88515 31
17 0.94259 0.91814 0.88550 0.89908 0.90034 0.90553 0.90646 0.88205 32
18 0.91616 0.90081 0.86564 0.88627 0.90203 0.91290 0.90447 0.86969 33
19 0.87211 0.86463 0.83783 0.87364 0.89571 0.91234 0.89404 0.87003 34
20 0.82820 0.83763 0.81878 0.86116 0.88175 0.89727 0.89666 0.88165 35
21 0.79373 0.81112 0.81622 0.84885 0.87022 0.88909 0.91094 0.90930 36
22 0.76379 0.78792 0.80728 0.82598 0.85735 0.89105 0.92476 0.93902 37
23 0.75128 0.78136 0.80400 0.82526 0.87123 0.91651 0.94698 1.01797 38
24 0.75535 0.78197 0.82219 0.84433 0.90215 0.95623 1.02929 1.11140 39
25 0.76772 0.79697 0.84540 0.88772 0.95422 1.04818 1.12669 1.21844 40
26 0.79937 0.83835 0.89403 0.95474 1.04838 1.15661 1.25381 1.34604 41
27 0.85244 0.89915 0.96006 1.05283 1.16138 1.28311 1.39248 1.48452 42
28 0.92559 0.97799 1.06219 1.16400 1.28066 1.41564 1.53115 1.65222 43
29 1.01014 1.09846 1.19156 1.29478 1.41877 1.55419 1.69342 1.83926 44
30 1.13549 1.23311 1.33455 1.44519 1.56943 1.72220 1.87552 2.05175 45
31 1.28245 1.38844 1.49712 1.61392 1.75398 1.92005 2.08556 2.27880 46
32 1.43837 1.55948 1.67467 1.81362 1.96714 2.14573 2.32862 2.54374 47
33 1.60337 1.73923 1.87691 2.03007 2.20960 2.41235 2.61746 2.83149 48
34 1.78511 1.93668 2.09664 2.27041 2.48206 2.71459 2.92016 3.17104 49
35 1.99192 2.15222 2.33426 2.53521 2.77870 3.02690 3.25946 3.55087 50
36 2.24088 2.41561 2.61762 2.84315 3.10298 3.38305 3.64175 3.93646 51
37 2.52997 2.71784 2.93866 3.16986 3.45167 3.76167 4.05015 4.31629 52
38 2.85306 3.06067 3.27485 3.52333 3.81853 4.15667 4.48486 4.77270 53
39 3.21987 3.42229 3.64774 3.90416 4.21732 4.58104 4.98754 5.28841 54
40 3.60094 3.83198 4.05836 4.32011 4.64864 5.06859 5.53661 5.90594 55
41 3.94287 4.20374 4.45816 4.75371 5.14596 5.63297 6.19290 6.71587 56
42 4.29834 4.59756 4.89568 5.26904 5.71595 6.27188 6.92726 7.62352 57
43 4.63423 5.00540 5.39073 5.84325 6.36778 6.99480 7.74302 8.53707 58
44 4.96713 5.44417 5.92879 6.47764 7.09680 7.81163 8.58235 9.50928 59
45 5.35142 5.92460 6.51813 7.17350 7.90524 8.66152 9.51635 10.52246 60
46 5.83403 6.46896 7.15180 7.90672 8.69432 9.52422 10.44542 11.48543 61
47 6.44441 7.09810 7.85364 8.65194 9.53363 10.46284 11.47403 12.55681 62
48 7.15920 7.81316 8.57323 9.44187 10.42315 11.47047 12.60883 13.79399 63
49 7.93799 8.56798 9.35473 10.28396 11.37005 12.56093 13.84980 15.18423 64
50 8.70430 9.36294 10.17491 11.17822 12.38152 13.72040 15.18368 16.68926 65
51 9.53273 10.24841 11.12331 12.23319 13.57550 15.11009 16.79282 18.55086 66
52 10.35309 11.15269 12.12380 13.35710 14.86243 16.59572 18.52252 20.52518 67
53 11.15664 12.05138 13.16144 14.55124 16.22957 18.16518 20.34142 22.80765 68
54 11.94296 12.96889 14.23673 15.82463 17.69341 19.82738 22.41697 25.14880 69
55 12.75444 13.92196 15.38230 17.19427 19.27095 21.77093 24.69355 27.67361 70
56 13.51679 14.84235 16.50568 18.52168 20.92949 23.68728 26.93293 30.35750 71
57 14.32197 15.85395 17.71732 20.06949 22.75188 25.82042 29.44099 33.41140 72
58 15.25564 16.96506 19.12206 21.73604 24.74093 28.19673 32.25943 36.40977 73
59 16.37776 18.28386 20.64595 23.52316 26.90718 30.82824 35.13727 39.71783 74
60 17.74308 19.74821 22.31514 25.48034 29.27683 33.49853 38.29854 43.38485 75
61 19.25737 21.36845 24.16448 27.64217 31.69916 36.43133 41.74322 47.44602 76
62 20.90502 23.18037 26.22126 29.87717 34.36913 39.61917 45.48587 51.88023 77
63 22.61794 25.10166 28.28703 32.29576 37.26354 43.06953 49.51921 56.75082 78
64 24.43180 27.04431 30.51740 34.92188 40.39785 46.78242 53.85050 61.93814 79
65 26.40732 29.28386 33.06052 37.87528 43.84947 50.82535 58.52336 67.28734 80
66 28.95254 32.17496 36.32213 41.60587 48.14316 55.77018 64.22938 73.55519 81
67 32.11622 35.72711 40.25273 45.96668 53.00188 61.22204 70.43702 80.41864 82
68 36.06800 40.10766 45.00846 51.06938 58.50218 67.22397 77.17372 87.81371 83
69 40.82018 45.33991 50.58862 56.92163 64.64268 73.77339 84.43725 96.26967 84
70 46.33116 51.36865 56.96646 63.48934 71.41339 80.87504 92.24771 105.64593 85
71 50.58881 56.05046 62.51564 69.49957 77.92830 88.39757 100.97084 114.74537 86
72 54.95425 60.55724 67.56190 75.02833 84.46745 95.92796 110.25305 124.64968 87
73 59.38257 65.44908 72.93207 81.32911 91.66941 104.19015 120.40834 136.23285 88
74 64.17018 70.65595 79.06089 88.26081 99.56651 113.18414 132.23265 146.50932 89
75 69.28116 76.58916 85.79492 95.86492 108.15875 123.57883 142.89023 154.73813 90
91
92
93
94
FEMALE _________ FACTORS
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8
--- -------- -------- -------- -------- -------- -------- -------- -------- --------
0 3.30600 0.74498 0.46237 0.35159 0.28172 0.25072 0.21558 0.19671 0.17489
1 0.75810 0.47051 0.35779 0.28668 0.25514 0.21938 0.20018 0.17779 0.16120
2 0.47880 0.36409 0.29173 0.25964 0.22325 0.20371 0.18074 0.16371 0.15743
3 0.37050 0.29687 0.26421 0.22718 0.20730 0.18375 0.16626 0.15972 0.15871
4 0.30210 0.26887 0.23119 0.21095 0.18680 0.16885 0.16205 0.16086 0.17032
5 0.27360 0.23526 0.21467 0.18990 0.17148 0.16440 0.16303 0.17245 0.21853
6 0.23940 0.21845 0.19305 0.17415 0.16679 0.16524 0.17461 0.22104 0.27275
7 0.22230 0.19625 0.17686 0.16922 0.16747 0.17679 0.22358 0.27561 0.35427
8 0.19950 0.17961 0.17168 0.16973 0.17900 0.22614 0.27849 0.35762 0.43176
9 0.18240 0.17417 0.17203 0.18123 0.22874 0.28140 0.36100 0.43541 0.51048
10 0.17670 0.17435 0.18349 0.23136 0.28434 0.36441 0.43908 0.51427 0.57496
11 0.17670 0.18578 0.23401 0.28731 0.36784 0.44277 0.51808 0.57923 0.62332
12 0.18810 0.23669 0.29031 0.37131 0.44650 0.52192 0.58352 0.62795 0.63944
13 0.23940 0.29334 0.37481 0.45026 0.52578 0.58785 0.63261 0.64419 0.62332
14 0.29640 0.37834 0.45404 0.52967 0.59220 0.63729 0.64897 0.62795 0.60720
15 0.37620 0.45220 0.52236 0.57985 0.61987 0.64279 0.63261 0.61171 0.59406
16 0.45600 0.52622 0.56167 0.59658 0.61987 0.62630 0.61624 0.59877 0.58102
17 0.52440 0.56017 0.57852 0.59658 0.61434 0.60433 0.59264 0.58054 0.56806
18 0.52440 0.55451 0.57291 0.58543 0.59773 0.57541 0.56375 0.55707 0.54992
19 0.50160 0.53753 0.55044 0.55755 0.55787 0.53570 0.52963 0.52309 0.52137
20 0.46740 0.50358 0.52236 0.52331 0.51816 0.49074 0.49570 0.48933 0.49629
21 0.42750 0.47529 0.49378 0.48917 0.47861 0.45143 0.46197 0.46477 0.47675
22 0.41300 0.46144 0.48524 0.47941 0.46752 0.44984 0.45263 0.45424 0.47036
23 0.40870 0.45177 0.48130 0.47428 0.46687 0.45228 0.45377 0.45947 0.47422
24 0.39690 0.44063 0.47023 0.47423 0.47059 0.46017 0.46027 0.47005 0.48862
25 0.39000 0.42802 0.46409 0.47283 0.47999 0.47382 0.47805 0.49171 0.50963
26 0.38280 0.42105 0.45677 0.47119 0.48972 0.49418 0.50267 0.51654 0.53692
27 0.38860 0.42008 0.45556 0.48192 0.50560 0.52061 0.53562 0.55196 0.57932
28 0.40800 0.43887 0.47364 0.50536 0.53389 0.55632 0.57402 0.60323 0.63342
29 0.43470 0.46473 0.49855 0.53549 0.57253 0.59790 0.62915 0.66464 0.70269
30 0.46900 0.50473 0.54375 0.57715 0.61751 0.65719 0.68955 0.73600 0.79588
31 0.51120 0.55985 0.59599 0.63955 0.68246 0.72965 0.77355 0.83041 0.90753
32 0.55500 0.60927 0.65671 0.70358 0.75508 0.80921 0.87467 0.94421 1.02746
33 0.58520 0.65298 0.71222 0.77595 0.84200 0.91137 0.99073 1.06693 1.15591
34 0.60840 0.69798 0.77644 0.85695 0.94484 1.02941 1.11635 1.20458 1.29858
35 0.64000 0.75193 0.84976 0.95969 1.05785 1.15766 1.25185 1.35188 1.46191
36 0.65600 0.79566 0.92141 1.04796 1.16741 1.27323 1.38435 1.49266 1.60622
37 0.69600 0.85613 1.00741 1.15664 1.28944 1.40668 1.52595 1.64980 1.77139
38 0.75200 0.93942 1.12225 1.28557 1.43040 1.55541 1.68484 1.82309 1.95163
39 0.82400 1.05308 1.25123 1.42765 1.58012 1.72238 1.86085 2.00660 2.15218
40 0.91200 1.17417 1.39427 1.59212 1.74913 1.89486 2.04781 2.20591 2.35219
41 1.00000 1.29506 1.55290 1.76311 1.93072 2.08538 2.23962 2.40081 2.56477
42 1.08800 1.42407 1.70403 1.93368 2.11825 2.28126 2.44067 2.60965 2.78415
43 1.17600 1.54538 1.85493 2.10382 2.30511 2.47611 2.63917 2.81526 2.98883
44 1.26400 1.66661 2.00560 2.28043 2.48621 2.66898 2.84100 3.01763 3.18961
45 1.36000 1.79336 2.16327 2.46658 2.68544 2.87839 3.05775 3.23333 3.42130
46 1.45600 1.92567 2.32967 2.67270 2.92661 3.13163 3.32085 3.52224 3.72988
47 1.55200 2.07789 2.52502 2.90631 3.20689 3.42812 3.63598 3.85770 4.12016
48 1.64800 2.24534 2.74931 3.17426 3.53279 3.79604 4.02359 4.26813 4.57719
49 1.75200 2.42802 2.99530 3.47658 3.89923 4.20928 4.47845 4.74871 5.07156
50 1.85600 2.63352 3.26299 3.80532 4.28024 4.64948 4.96564 5.26642 5.56510
51 1.96800 2.84664 3.55602 4.14884 4.66934 5.09814 5.45575 5.76719 6.06037
52 2.08800 3.07655 3.85689 4.50030 5.05344 5.52403 5.90100 6.23419 6.54499
53 2.21600 3.30669 4.15836 4.83900 5.42590 5.89313 6.28688 6.65055 7.01363
54 2.36000 3.54469 4.46045 5.17872 5.77490 6.23096 6.63714 7.03878 7.46629
55 2.51200 3.80581 4.79223 5.53181 6.13048 6.58129 6.99334 7.42138 7.92961
56 2.69600 4.09771 5.15583 5.92645 6.51899 6.96291 7.39109 7.84900 8.40357
57 2.92000 4.44110 5.57760 6.38339 6.96017 7.41959 7._7196 8.34413 8.90417
58 3.18400 4.85316 6.08664 6.93034 7.51330 8.00140 8.46562 8.94054 9.48464
59 3.49600 5.33389 6.67567 7.56730 8.19153 8.70207 9.17208 9.63823 10.18228
60 3.84800 5.86805 7.32288 8.27348 8.96854 9.49032 9.96759 10.42032 10.98642
61 4.25600 6.43824 8.01333 9.05981 9.82860 10.38529 10.88208 11.35820 11.97904
62 4.71200 7.01705 8.70617 9.88512 10.70150 11.30746 11.84291 12.37141 13.06298
63 5.21600 7.68100 9.47452 10.74272 11.57400 12.21900 12.80238 13.40382 14.19647
64 5.77600 8.46093 10.30804 11.62582 12.47277 13.15154 13.78458 14.47293 15.40238
65 6.39200 9.28050 11.26126 12.52759 13.42486 14.15652 14.86314 15.68421 16.85617
66 7.05600 10.07938 12.15478 13.47733 14.49757 15.35883 16.22619 17.32217 18.76191
67 7.78400 10.78096 12.92867 14.43656 15.67310 16.75761 17.92819 19.34187 21.12351
68 8.56800 11.40785 13.61870 15.39814 16.96025 18.45081 20.03094 21.87782 24.07211
69 9.41600 12.02909 14.29832 16.37629 18.40543 20.42096 22.56319 24.96030 27.63883
70 10.32000 12.62146 14.95993 17.39046 19.96579 22.64970 25.50213 28.56941 31.68934
71 11.29600 15.43775 19.00845 21.32439 23.46994 25.83612 28.42398 31.67781 35.13380
72 12.34400 16.86063 20._2550 23.45171 25.89711 28.57904 31.43855 35.02707 38.74386
73 13.44_00 18.42961 22._4723 25.81978 28.57346 31.53741 34.68175 38.54442 42.49077
74 14.67200 20.17680 25.09898 28.42557 31.47709 34.72685 38.08349 42.17315 46.59176
75 16.02400 22.11115 27.56836 31.25562 34.59299 38.05976 41.58439 46.14494 51.03169
[X] [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE
--- -------- -------- -------- -------- -------- --------- ---------
0 0.15872 0.15294 0.15243 0.16205 0.20638 0.25620 0.33165 15
1 0.15517 0.15450 0.16408 0.20876 0.25889 0.33479 0.40705 16
2 0.15659 0.16613 0.21116 0.26161 0.33797 0.41050 0.48465 17
3 0.16822 0.21359 0.26435 0.34117 0.41397 0.48827 0.54587 18
4 0.21605 0.26713 0.34441 0.41748 0.49191 0.54995 0.59179 19
5 0.26992 0.34767 0.42101 0.49558 0.55405 0.59620 0.60709 20
6 0.35096 0.42456 0.49927 0.55818 0.60065 0.61162 0.59179 21
7 0.42815 0.50298 0.56233 0.60512 0.61618 0.59620 0.57648 22
8 0.50672 0.56651 0.60963 0.62077 0.60065 0.58079 0.56203 23
9 0.57072 0.61416 0.62540 0.60512 0.58512 0.56651 0.55278 24
10 0.61873 0.63005 0.60963 0.58947 0.57102 0.55746 0.53865 25
11 0.63473 0.61416 0.59386 0.57556 0.56218 0.54349 0.52965 26
12 0.61873 0.59828 0.58014 0.56694 0.54836 0.53467 0.51092 27
13 0.60273 0.58474 0.57174 0.55328 0.53974 0.51603 0.52745 28
14 0.58939 0.57657 0.55824 0.54486 0.52119 0.53326 0.53859 29
15 0.57615 0.56325 0.55002 0.52639 0.53913 0.54507 0.55396 30
16 0.56829 0.55004 0.53165 0.54507 0.55163 0.56120 0.56875 31
17 0.55524 0.53695 0.55106 0.55827 0.56853 0.57676 0.56928 32
18 0.54230 0.52645 0.54498 0.56130 0.57537 0.57789 0.56549 33
19 0.52190 0.51105 0.53896 0.55936 0.57723 0.57520 0.56994 34
20 0.50694 0.50090 0.53300 0.55260 0.57136 0.58091 0.58190 35
21 0.49221 0.50082 0.52709 0.54862 0.56982 0.59430 0.60467 36
22 0.48964 0.50668 0.52519 0.55298 0.58376 0.61619 0.63724 37
23 0.49718 0.51717 0.53733 0.57495 0.61384 0.64456 0.69979 38
24 0.51031 0.54199 0.56295 0.60918 0.65482 0.71072 0.77407 39
25 0.53335 0.57109 0.60610 0.65936 0.72918 0.78934 0.86008 40
26 0.56738 0.61044 0.65852 0.72697 0.80651 0.87945 0.94999 41
27 0.61541 0.66258 0.72951 0.80814 0.89684 0.97788 1.04773 42
28 0.67690 0.73721 0.81024 0.89424 0.99180 1.07655 1.16610 43
29 0.76534 0.83164 0.90539 0.99412 1.09143 1.19209 1.29814 44
30 0.86483 0.93664 1.01515 1.10349 1.21227 1.32187 1.44814 45
31 0.98192 1.05819 1.14020 1.23868 1.35557 1.47215 1.60843 46
32 1.11194 1.19194 1.28858 1.39527 1.51947 1.64623 1.79546 47
33 1.25013 1.34508 1.45049 1.57401 1.71324 1.85324 1.99857 48
34 1.40312 1.51275 1.63124 1.77567 1.93354 2.07065 2.23823 49
35 1.57148 1.69546 1.83151 1.99632 2.16223 2.31469 2.50633 50
36 1.72375 1.85940 2.01020 2.18340 2.36875 2.53698 2.72798 51
37 1.89559 2.04154 2.19328 2.37845 2.58113 2.76707 2.93581 52
38 2.08664 2.22505 2.38560 2.57638 2.79448 3.00412 3.18506 53
39 2.28082 2.42393 2.58663 2.78574 3.01685 3.27456 3.46142 54
40 2.49674 2.63751 2.80048 3.00578 3.26903 3.56187 3.78988 55
41 2.71830 2.86515 3.03562 3.26432 3.54850 3.87292 4.16794 56
42 2.95027 3.11098 3.31405 3.55653 3.85823 4.21033 4.57458 57
43 3.18717 3.38668 3.61931 3.88558 4.20100 4.57265 4.95173 58
44 3.43949 3.68194 3.95055 4.24592 4.57937 4.92319 5.32995 59
45 3.71343 4.00092 4.30693 4.63634 4.95487 5.30117 5.69751 60
46 4.05467 4.38994 4.74723 5.09914 5.44838 5.81872 6.21891 61
47 4.44906 4.82080 5.19466 5.59138 5.98532 6.39172 6.79902 62
48 4.89731 5.26251 5.66893 6.11307 6.56174 7.02387 7.46891 63
49 5.37043 5.74222 6.17453 6.66843 7.18554 7.71517 8.22167 64
50 5.86872 6.24567 6.71144 7.26164 7.84883 8.45822 9.03659 65
51 6.38211 6.77762 7.28415 7.88852 8.55554 9.24933 9.92057 66
52 6.90053 7.33332 7.88818 8.55746 9.30173 10.08850 10.84253 67
53 7.40888 7.90327 8.52353 9.26007 10.07950 10.95724 11.81283 68
54 7.92227 8.48746 9.19467 10.00474 10.89281 11.85925 12.77277 69
55 8.45076 9.10490 9.91056 10.79990 11.76534 12.83150 13.78451 70
56 9.00945 9.76984 10.67567 11.65818 12.71683 13.89617 15.00689 71
57 9.62350 10.48703 11.50341 12.59638 13.77098 15.08284 16.39155 72
58 10.29795 11.26120 12.38932 13.61453 14.93962 16.40998 17.99939 73
59 11.04790 12.09713 13.33340 14.71682 16.22670 18.00167 19.78509 74
60 11.87838 13.00904 14.36248 15.91587 17.74923 19.76145 21.77718 75
61 12.92453 14.18084 15.70361 17.60500 19.77028 22.12041 24.53115 76
62 14.09717 15.48814 17.29588 19.49566 22.01394 24.74515 27.61644 77
63 15.34764 16.98659 19.04796 21.58422 24.49584 27.64623 30.85184 78
64 16.77522 18.62868 20.98099 23.88901 27.22788 30.62407 34.37338 79
65 18.42603 20.51181 23.17593 26.46667 30.06340 33.88974 38.10407 80
66 20.60151 22.98932 26.04034 29.62516 33.71637 38.11865 42.81590 81
67 23.27107 25.97922 29.24713 33.22821 37.79622 42.79538 48.05274 82
68 26.56733 29.45918 33.01598 37.34162 42.34590 47.95329 53.79657 83
69 30.39417 33.56663 37.37239 41.98340 47.38061 53.60768 60.39686 84
70 34.83959 38.30386 42.31372 47.16516 52.91956 59.78753 67.80292 85
71 38.68578 42.87579 47.35918 52.75464 59.44171 67.43285 76.09765 86
72 42.52113 47.24528 52.24919 58.57608 66.24159 75.80671 85.33271 87
73 46.73935 51.98137 57.05382 65.08405 73.83262 85.16428 96.17862 88
74 51.30341 57.41280 64.10524 72.33486 82.25455 96.13763 106.57008 89
75 56.52819 63.45670 71.06251 80.36294 92.04686 104.70658 119.86835 90
91
92
93
LOV Plus II 1987 MORTALITY ASSUMPTION PER 1000
[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
LOV Plus II ____ MORTALITY ASSUMPTION PER 1000
[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 15.885 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 21.196 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 ______ ______ ______ ______ ______ 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
LOV Plus II 1987 MORTALITY ASSUMPTION PER 1000
GKM
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 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 5.175 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 __.___ __.___ __.__ __.___ __.___ __.___ __.___ __.___
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 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 2.215 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 3.162 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 4.963 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 23.179 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 26.718 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 29.927 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 99.793 120.461 145.303 92
78 45.421 49.706 59.896 71.924 86.562 104.269 125.175 152.182 93
79 47.957 53.123 64.022 76.889 92.538 111.478 134.882 163.073 94
80 ______ __.___ 68.105 81.793 98.449 118.926 143.895 173.938 95
Attachment No. 3
Life of Virginia's
Name Issue Date Policy Number
------------------- ---------- ------------------
Xxxxxx, Xxxxxx X. 00-00 X00000000
Xxxxx, X. Xxxxxxx 12-86 X00000000
12-86 N04026776
Xxxxxxxx, Xxxxx 3-86 N02132443
Connner, Xxxx X. 1-86 N02126004
1-86 N02126005
1-86 X00000000
Xxxxx, Xxxxx X. 12-86 N02160885
12-86 N04019145
Xxx, Xxxx X. 11-86 N02161389
Xxxxxxxx, Xxxxx X. 0-00 X00000000
Xxxxx, Xxxxxx X. 2-86 N02113059
Xxxx, Xxxxxxx X. 5-86 N02149163
Xxxx, Xxxxxxxx X. 8-86 N04011328
Xxxxxxxxx, Xxxxx X. 12-86 N02161379
Xxxxx, Xxxxxx X. 12-85 N02112825
Xxxxxxx, Xxxxx X. 7-86 N04012723
Xxxxxxxx, Xxxxx X. 2-86 N02078862
Xxxx, Xxxxx X. 12-86 N02161378
Amendment No. 9
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance
effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to reinsure under the terms and conditions of the Agreement
policy changes which result in the continuation of the policy. Therefore the
parties agree to amend the Agreement to include the following paragraph:
OTHER POLICY CHANGES; CONVERSIONS, EXCHANGES, ETC. If a change to a
reinsured policy results in the continuation of that policy, Ceding Company
will continue to cede the policy to Security Life. For purposes of this
Agreement, a policy continuation is the replacement of a policy issued
earlier by Ceding Company with a new policy by the Ceding Company or its
affiliate. A policy continuation is also a change in an existing policy
made or issued because of either reliance on the underwriting of the
original policy or compliance with the terms of the original policy, such
as conversion of a term policy.
If a term policy reinsured under the Agreement converts to a universal life
plan or a whole life plan that is reinsured under the Agreement, the
reinsurance premiums for such conversion shall be those for the respective
whole life or universal life plan and will be based on the original issue
age and the duration since issuance of the original policy, i.e.
point-in-scale.
For all other conversions and "policy changes", the reinsurance premiums
shall be mutually agreed upon.
The Effective Date of this Amendment is May 1, 1988.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By /s/ Illegible By /s/ Xxxxxx X. Pete____
----------------------------------- ------------------------------------
Title DIRECTOR - Prod SPT Title 2nd VP - Reinsurance
Date Aug 29, 1988 Date August 23, 1988
Amendment No. 8
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance
effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to reinsure under the terms and conditions of the Agreement
issues of your Commonwealth III plan and Disability Waiver of Premium Benefit,
Additional Insured Rider, and Waiver Cost of Insurance Benefit when attached
thereto. For this plan of insurance the following shall apply:
1. Policy and supplemental benefit forms eligible for automatic
reinsurance shall include the following:
POLICY NAME ISSUE AGE
----------- ---------
Commonwealth III (Form No. ) 0-75
---------------
2. Reinsurance shall be on a Monthly Renewable Term basis.
3. Ceding Company's retention limits shall be the following:
Life Insurance
Age Standard and Substandard
----- ------------------------
0-70 $500,000
71-75 $250,000
To avoid ceding minimal amounts of reinsurance, 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 above.
Disability Waiver of Premium Benefit
An amount equal to that attaching to the face amount of Life
coverage retained.
4. The total automatic acceptance limit for all the Pool members combined
shall be the following:
Life Insurance
Age Limit
---- -----
0-75 $4,500,000
76+ Automatic reinsurance is not available
At no time shall Security Life accept automatically more
than 20% of the total limit.
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.
5. Policies and supplemental benefits reinsured automatically shall be
those on which the Ceding Company's insured's surname begins with the
letters A-Z inclusive. For these policies and benefits, Security Life
shall automatically reinsure 20% of the excess over the Ceding
Company's retention limits as shown in number 3 above.
6. The monthly standard reinsurance premiums per $1000 reinsured shall be
the following percentage of 1/12th of the Mortality Factors attached
to this Amendment. The attached mortality factors are those for your
LOV Plus II plan. It is our understanding that for the Commonwealth
III plan, the mortality factors being charged the insured are 95% of
the LOV Plus II factors. The 139 percent listed below has taken into
consideration that adjustment to the mortality factors.
Year All Categories
---- --------------
All 139%
Substandard reinsurance premiums shall be at the appropriate multiple
of the standard rates.
These reinsurance premiums apply to all automatic reinsurance. For
facultative reinsurance, these reinsurance premiums apply to any case
where the amount reinsured is less than $6,000,000 unless Security
Life's facultative offer states different rates will apply.
The effective date of this Amendment is March 1, 1988.
LIFE OF VIRGINIA SECURITY LIFE OF DENVER
INSURANCE COMPANY INSURANCE COMPANY
By /s/ Illegible By /s/ Xxxxxx X. Pete____
----------------------------------- ------------------------------------
Title __ V.P. Title 2nd VP - Reinsurance
Date 7-12-88 Date June 6, 1988
Amendment No. 7
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance
effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to the following:
1. Effective March 1, 1988, issues of Ceding Company's LOV Plus II (Back
End Load UL) and X/881 (Excess Interest Whole Life) plans and
Disability Waiver of Premium Benefit when attached thereto, shall be
reinsured under the terms and conditions of the Agreement. For these
plans of insurance the following shall apply:
a. Policy and supplemental benefit forms eligible for automatic
reinsurance shall include the following:
POLICY NAME ISSUE AGE
----------- ---------
LOV Plus II (Back End Load UL)
Form No. P 1132 1/88 0-80
X/881 (Excess Interest Whole Life)
Form No. P 1171 1/88 0-80
b. Reinsurance shall be on a Monthly Renewable Term basis.
c. Ceding Company's retention limits shall be the following:
Life Insurance :
Age Standard and Substandard
----- ------------------------
0-70 $500,000
71-75 $250,000
76+ zero
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.
Disability Waiver of Premium Benefit:
An amount equal to that attaching to the face amount of Life
coverage retained.
d. The total automatic acceptance limit for all the Pool members
combined shall be the following:
Life Insurance
Age Limit
---- -----
0-75 $4,500,000
76+ automatic reinsurance is not available
At no time shall Security Life accept automatically more
than 20% of the total limit.
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.
e. Policies and supplemental benefits reinsured automatically shall
be those on which the Ceding Company's insured's surname begins
with the letters A - Z inclusive. For these policies and
benefits, Security Life shall automatically reinsure 20% of the
excess over Ceding Company's retention limits as shown in number
1(c) above.
f. For any policy where the insured's issue age is 0-75, the monthly
standard reinsurance premiums per $1000 reinsured shall be the
following percentage of 1/12th of the Mortality Factors attached
to this Amendment.
Preferred Nonsmoker, Nonsmoker,
Year Preferred Smoker and Smoker
---- -------------------------------
All 132%
For any policy where the insured's issue age is 76-80, the
reinsurance premiums shall be mutually agreed upon.
2. For all life insurance plans reinsured under the Agreement where
policy issue dates are on or after June 1, 1988, the following
reinsurance premium rate limit guidelines shall apply:
For all plans reinsured under the Agreement, the reinsurance
premium rates stated in the Agreement, including all subsequent
amendments, shall not apply whenever any of the following
conditions are true:
a. The total inforce and applied for in all companies
exceeds $10,000,000.
b. The total amount reinsured with Security for the
subject life exceeds $6,000,000.
c. Security Life's facultative offer to Ceding Company's
states that the reinsurance premiums for the proposed
reinsurance will include additional facultative
reinsurance costs incurred by Security Life.
For cases where any of the above conditions are true, the
reinsurance premium rates shall be mutually agreed upon.
The effective date of this Amendment is March 1, 1988.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By /S/ Ilegible By /S/ Xxxxxx X. Xxxxxxxx
----------------------------------- -----------------------------------
Title __ V.P. Title 2nd VP - Reinsurance
Date 6-3-88 Date May 5, 1988
Amendment No. 10
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to reinsure, under the terms and conditions of the Agreement,
issues of Ceding Company's LOV Plus II (XXX Replacement) plan and Disability
Waiver of Premium Benefit when attached thereto. For this plan of insurance, the
following shall apply:
1. Policy and supplemental benefit forms eligible for reinsurance shall
include the following:
POLICY NAME ISSUE AGE
----------- ---------
LOV Plus II (Xxx Replacement) 0-80
Form No. 12579A-10-87
2. Reinsurance shall be on a monthly renewable term basis.
3. Ceding Company's retention limits shall be the following:
Life Insurance
Age Standard and Substandard
----- ------------------------
0-70 $500,000
71-75 $250,000
76+ Zero
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.
Disability Waiver of Premium Benefit
An amount equal to that attaching to the face amount of life
coverage retained.
4. The total automatic acceptance limit for all the Pool members combined
shall be the following:
Life Insurance
Age Limit
----- -----------------------------------
0-75 $4,500,000
76+ Automatic reinsurance not available
At no time shall Security Life accept automatically more than 20%
of the total limit.
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.
5. Policies and supplemental benefits reinsured automatically shall be
those on which the Ceding Company's insured's surname begins with the
letters A - Z inclusive. For these policies and benefits, Security
Life shall automatically reinsure 20% of the excess over Ceding
Company's retention limits as shown in number 3 above.
6. For any policy where the insured's issue age is 0-75, the monthly
standard reinsurance premiums per $1000 reinsured shall be the
following percentage of 1/12th of the Mortality Factors attached to
Amendment No. 7.
Preferred Nonsmoker, Nonsmoker,
Year Preferred Smoker and Smoker
---- -----------------------------
All 132%
For any policy where the insured's issue age is 76-80, the reinsurance
premiums shall be mutually agreed upon.
The effective date of this Amendment is May 1, 1989.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By: /s/ Illegible By: /s/ Xxxxxx X. Xxxxxxxx
---------------------------------- -----------------------------------
Title: __ Vice President Title: 2nd VP - Reinsurance
Date: June 22, 1989 Date: June 15, 1989
Amendment No. 11
to
Reinsurance Agreement
(effective November 11, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree that, for issues of Ceding Company's LOV Plus 2 (Back End Load
UL - Form No. P1132 1/88), LOV Plus 2 (XXX Replacement - Form No. 12579A-10-87)
and X/881 (Excess Interest Whole Life - Form No. P1171 1/88) products, the
following shall apply:
1) For these products, effective April 1, 1988, the total automatic acceptance
limits for all the Pool members shall be as follows:
Life Insurance
Age Limit
----- -----
0-75 $4,500,000
76-80 $ 225,000
81+ Automatic Reinsurance not available
Security Life shall accept automatically no more than 20% of the total
limit for ages 0-75, and 50% of the total limit for ages 76-80.
2) For these products, effective April 1, 1988, the Ceding Company's retention
limits shall be the following:
Life Insurance
Age Standard and Substandard
----- ------------------------
0-70 $500,000
71-75 $250,000
76-80 $ 25,000
81+ Zero
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 0-70, $50,000 for ages 71-75 or $25,000 for ages 76-80.
3) Effective September 30, 1989, paragraphs 1 and 2 above shall no longer
apply and the total automatic acceptance limits and the retention limits
shall be those stated elsewhere in the Agreement and its amendments.
The effective dates for this Amendment are April 1, 1988 for #1 and #2 above and
September 30, 1989 for #3 above.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By: /s/ Illegible By: /s/ Xxxxxx X. Xxxxxxxx
---------------------------------- -----------------------------------
Title: __ V. P. Title: 2nd VP - Reinsurance
Date: Sept 28, 1989 Date: September 22, 1989
LOV Plus II 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.___ 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 __.___ __.___ 15.___ __.___ 21.___ 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 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 8.861 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 14.904 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 97.535 122.209 93
79 30.940 34.273 42.857 53.395 66.659 83.288 104.514 1_1._41 94
80 32.905 36.454 45.590 56.801 70.917 88.853 111.498 139.771 95
LOV Plus II 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 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 __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___
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 1.116 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 12.605 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 33.977 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 __.___ 54.349 66.521 81.142 99.222 120.624 146.844 178.597 95
LOV Plus II 1987 MORTALITY ASSUMPTION PER 1000
_NM
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 _____ ______ ______ ______ ______ ______ ______ 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 4.682 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 30.803 34.739 43.733 54.894 69.084 87.079 109.239 136.951 94
80 33.35_ 37.626 47.391 59.504 74.923 93.819 117.683 147.537 95
LOV Plus II __87 MORTALITY ASSUMPTION PER 1000 Male Preferred Smoker Medical
___M
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 ______ ______ ______ ______ ______ ______ ______ ______
x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [11]+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 4.663 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 ______ ______ ______ ______ 100.116 122.811 151.300 186.653 95
LOV Plus II _____ MORTALITY ASSUMPTION PER 1000
___
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 ______ ______ ______ ______ ______ ______ ______ ______
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 99.918 117.329 140.069 166.704 199.263 238.501 95
Amendment No. 13
to
REINSURANCE AGREEMENT
(effective November 1, 1985)
between
LIFE INSURANCE COMPANY OF VIRGINIA
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
The parties agree to the following:
1. For issues of your Graded Premium Whole Life product (Form No. 1410-3/87),
the following shall apply.
AUTOMATIC ACCEPTANCE LIMITS
The maximum amount of life reinsurance which the Ceding Company can cede
automatically to Security Life shall be $1,000,000 for ages 0-70 and
$500,000 for ages 71-75.
It is understood that another reinsurer is also participating in the
reinsurance and the automatic acceptance limit as defined above is for each
participant separately.
2. For all products reinsured under the Agreement, Exhibit E, Jumbo Limits,
shall be amended to read:
The total life insurance in force, known to the Ceding Company, in all
companies plus the amount applied for in all companies on any one life
shall not exceed the following limits:
Issue Age Limits
--------- ------
0-75 $7,500,000
Over 75 No automatic reinsurance available
The effective date of this Amendment is April 30, 1990.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By: /s/ Illegible By: /s/ Illegible
---------------------------------- -----------------------------------
Title: __ Vice President Title: Second Vice President
Date: 6/8/90 Date: 6/4/90
Amendment No. 12
to
Reinsurance Agreement
(effective November 11, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
Effective June 1, 1989 the parties agree to reinsure, under the terms and
conditions of the Agreement, issues of Ceding Company's X-PLUS (Excess Interest
Whole Life - Form No. P1107 3\87 & P4101 1\__) product. For this plan of
insurance, the following shall apply:
1. Policy and supplemental benefit forms eligible for reinsurance shall
include the following:
X-PLUS (Excess Interest Whole Life ISSUE AGE
---------
Form No. P1107 3\87 & P4101 1\89) 0-80
2. Policies and supplemental benefits reinsured automatically shall be
those on which the Ceding Company's insured's surname begins with the
letters A - Z inclusive. For these policies and benefits, Security
Life shall automatically reinsure 20% of the excess over Ceding
Company's retention limits as shown in number 4 below.
3. Reinsurance shall be on a monthly renewable term basis.
4. For this product, the Ceding Company's retention limits shall be the
following:
Life Insurance
Age Standard and Substandard
----- ------------------------
0-70 $500,000
71-75 $250,000
76+ Zero
Disability Waiver of Premium Benefit
An amount equal to that attaching to the face amount of life coverage
retained.
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 0-70 or $50,000 for ages 71-75.
5. For this product, effective June 1, 1989 through September 29, 1989,
the total automatic acceptance limits for all the Pool members shall
be as follows:
Life Insurance
Age Limit
----- -----
0-75 $4,500,000
76+ Automatic Reinsurance not available
Disability Waiver of Premium Benefit
An amount equal to that attaching to the face amount of life coverage
automatically reinsured. The total Disability Waiver of Premium
Benefit that can be reinsured per life is $3,000,000.
6. For any policy where the insured's issue age is 0-75, the monthly
standard reinsurance premiums per $1000 reinsured shall be the
following percentage of 1/12th of the Mortality Factors attached to
Amendment No. 7.
Preferred Nonsmoker, Nonsmoker,
Year Preferred Smoker and Smoker
---- -------------------------------
All 132%
Substandard reinsurance premiums shall be at the appropriate multiple
of the standard rates.
Newly underwritten increases in insurance resulting from pour-ins
shall be reinsured as new business starting at policy year 1 based
upon the new issue age.
For any policy where the insured's issue age is 76-80, the reinsurance
premiums shall be mutually agreed upon. On and after October 1, 1989
no reinsurance for ages 76-80 is available.
The effective date for this Amendment is June 1, 1989.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By: /s/ Illegible By: /s/ Xxxxxx X. Xxxxxxxx
---------------------------------- -----------------------------------
Title: __ VP - Reinsurance Title: 2nd VP - Reinsurance
Date: November 2, 1989 Date: October 30, 1989
Amendment No. 14
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance;
effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to reinsure, under the terms and conditions of the Agreement,
issues of Ceding Company's XPlus2 (Form No. ) product. For this
--------------
plan of insurance, the following shall apply:
1. Policy and supplemental benefit forms eligible for reinsurance shall
include the following:
ISSUE AGE
---------
XPlus2 - Form No. 21-75
---------------------
Additional Insured Term Rider (when 4-75
attached to XPlus2 policy)
Form No.
----------------------------
Term Insurance on Primary Insured (when 4-75
attached to XPlus2 policy)
Form No.
----------------------------
Waiver of Premium
2. Reinsurance shall be on a monthly renewable term basis.
3. For this product, the Ceding Company's retention limits shall be the
following:
Life Insurance
Age Standard and Substandard
------- ------------------------
0-70 $500,000
71-75 $250,000
Over 75 Zero
Disability Waiver of Premium Benefit
An amount proportional to the face amount of life coverage retained
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 0-70, or $50,000 for ages 71-75.
4. For this product, the total automatic acceptance limits for all lthe Pool
members shall be as follows:
Life Insurance
Age Standard and Substandard
----- ------------------------
0-75 $4,500,000
Over 75 Automatic Reinsurance not available
At no time shall Security Life accept automatically more than 20% of
the total limit.
Disability Waiver of Premium Benefit
An amount proportional to the face amount of life coverage
automatically reinsured. The total Disability Waiver of Premium
Benefit that can be reinsured per life is $3,000,000.
5. Policies and supplemental benefits reinsured automatically shall be those
on which the Ceding Company's insured's surname begins with the letters
A-Z, inclusive. For these policies and supplemental benefits, Security Life
shall automatically 20% of the excess over the Ceding Company's retention
Limits shown in Number 3, above.
6. The monthly standard reinsurance premiums per $1000 reinsured shall be the
following percentage of 1/12 of the Mortality Factors attached to this
Amendment:
Life Insurance, Additional Insured Rider and Term Insurance on Primary
Insured:
Preferred Nonsmoker, Nonsmoker,
Year Preferred Smoker and Smoker
---- -------------------------------
All 121%
Waiver of Premium:
The following coinsurance allowances shall apply to waiver of premium:
First Year Renewal Years
---------- -------------
100% 10%
Substandard reinsurance premiums shall be at the appropriate multiple of
the standard rates.
These reinsurance premiums apply to all automatic reinsurance. For
facultative reinsurance, these reinsurance premiums apply to any case where
the amount reinsured is less than $6,000,000, unless Security Life's
facultative offer states different rates will apply.
The effective date of this Amendment is November 1, 1990.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By: /s/ Illegible By: /s/ Illegible
---------------------------------- ----------------------------------
Title: __ Vice President Title: Second Vice President
Date: December 17,1990 Date: December 11,1990
__________________________________
_________________________
_______________
__ 0 1 2 3 4 5 6 7
-- ------ ------ ------ ------ ------ ------ ------ ------
0 4.060 0.947 0.607 0.476 0.393 0.360 0.318 0.298
1 0.971 0.621 0.486 0.400 0.365 0.322 0.301 0.277
2 0.638 0.498 0.409 0.373 0.328 0.306 0.280 0.262
3 0.514 0.421 0.382 0.336 0.312 0.294 0.265 0.263
4 0.435 0.394 0.345 0.320 0.290 0.269 0.266 0.272
5 0.408 0.356 0.330 0.298 0.275 0.270 0.275 0.299
6 0.370 0.342 0.306 0.281 0.275 0.279 0.302 0.387
7 0.355 0.317 0.290 0.282 0.284 0.307 0.392 0.487
8 0.333 0.302 0.292 0.293 0.315 0.401 0.497 0.642
9 0.314 0.302 0.302 0.322 0.410 0.507 0.652 0.788
10 0.310 0.308 0.328 0.417 0.515 0.662 0.798 0.934
11 0.316 0.334 0.423 0.520 0.666 0.800 0.933 1.046
12 0.340 0.428 0.525 0.669 0.801 0.930 1.038 1.116
13 0.437 0.533 0.676 0.806 0.932 1.035 1.108 1.122
14 0.541 0.684 0.813 0.936 1.037 1.105 1.115 1.130
15 0.693 0.822 0.935 1.024 1.080 1.105 1.134 1.066
16 0.840 0.953 1.001 1.046 1.069 1.123 1.071 1.016
17 0.966 1.013 1.027 1.040 1.111 1.057 1.010 0.963
18 0.966 1.001 1.014 1.072 1.057 0.988 0.941 0.898
19 0.924 0.969 1.026 1.002 0.973 0.906 0.863 0.822
20 0.861 0.957 0.956 0.927 0.888 0.808 0.786 0.750
21 0.800 0.873 0.895 0.875 0.840 0.778 0.787 0.770
22 0.699 0.772 0.802 0.779 0.748 0.713 0.699 0.687
23 0.621 0.679 0.712 0.692 0.675 0.639 0.630 0.619
24 0.538 0.589 0.621 0.622 0.604 0.582 0.566 0.567
25 0.480 0.520 0.561 0.560 0.562 0.541 0.537 0.546
26 0.444 0.486 0.517 0.527 0.535 0.532 0.535 0.541
27 0.432 0.460 0.493 0.510 0.527 0.538 0.545 0.557
28 0.431 0.458 0.484 0.510 0.534 0.549 0.562 0.592
29 0.444 0.464 0.492 0.525 0.554 0.575 0.607 0.633
30 0.452 0.481 0.515 0.540 0.575 0.615 0.637 0.682
31 0.456 0.497 0.524 0.561 0.602 0.638 0.679 0.730
32 0.462 0.503 0.541 0.584 0.622 0.671 0.727 0.790
33 0.452 0.504 0.555 0.601 0.657 0.714 0.782 0.847
34 0.432 0.501 0.555 0.618 0.685 0.752 0.882 0.897
35 0.435 0.510 0.582 0.662 0.736 0.812 0.888 0.975
36 0.438 0.538 0.627 0.720 0.809 0.893 0.987 1.084
37 0.464 0.575 0.683 0.791 0.893 0.991 1.095 1.202
38 0.497 0.627 0.757 0.878 0.994 1.101 1.212 1.342
39 0.541 0.699 0.841 0.977 1.102 1.221 1.350 1.501
40 0.595 0.776 0.938 1.092 1.220 1.354 1.508 1.675
41 0.650 0.836 1.047 1.209 1.356 1.510 1.673 1.851
42 0.706 0.943 1.147 1.334 1.507 1.674 1.849 2.043
43 0.763 1.020 1.255 1.468 1.659 1.840 2.028 2.239
44 0.818 1.105 1.372 1.609 1.811 2.010 2.214 2.437
45 0.883 1.202 1.494 1.759 1.980 2.197 2.418 2.665
46 0.953 1.300 1.622 1.922 2.176 2.410 2.661 2.935
47 1.025 1.414 1.773 2.107 2.404 2.673 2.945 3.254
48 1.097 1.541 1.946 2.321 2.684 2.992 3.298 3.655
49 1.176 1.680 2.138 2.576 2.994 3.358 3.727 4.130
50 1.256 1.837 2.360 2.850 3.327 3.766 4.198 4.654
51 1.343 2.012 2.600 3.145 3.684 4.194 4.686 5.173
52 1.444 2.198 2.855 3.463 4.050 4.617 5.144 5.700
53 1.549 2.392 3.125 3.783 4.419 5.000 5.587 6.192
54 1.670 2.603 3.404 4.113 4.773 5.389 6.006 6.662
55 1.804 2.839 3.716 4.459 5.165 5.796 6.433 7.136
56 1.967 3.105 4.058 4.870 5.593 6.233 6.907 7.668
57 2.165 3.416 4.475 5.342 6.070 6.748 7.474 8.285
58 2.396 3.805 4.973 5.895 6.657 7.393 8.170 9.015
59 2.681 4.259 5.544 6.540 7.374 8.172 8.988 9.858
60 3.005 4.763 6.179 7.264 8.206 9.050 9.908 10.811
61 3.379 5.304 6.857 8.063 9.098 9.997 10.907 11.900
62 3.800 5.868 7.559 8.909 10.010 10.989 11.996 13.082
63 4.274 6.523 8.338 9.794 10.941 12.008 13.099 14.302
64 4.811 7.291 9.222 10.723 11.931 13.064 14.242 15.567
65 5.406 8.105 10.162 11.698 12.987 14.210 15.492 17.008
66 6.053 8.914 11.090 12.700 14.128 15.489 16.964 18.661
67 6.774 9.652 11.920 13.725 15.371 16.981 18.676 20.703
68 7.558 10.335 12.686 14.753 16.741 18.681 20.793 23.218
69 8.414 11.023 13.441 15.815 18.199 20.660 23.289 26.261
70 9.340 11.687 14.194 16.865 19.777 22.846 26.169 29.799
71 10.262 12.852 15.590 18.517 21.666 25.020 28.656 32.622
72 11.279 14.115 17.116 20.291 23.735 27.404 31.379 35.703
73 12.370 15.478 18.733 22.197 25.959 29.965 34.289 39.021
74 13.348 16.666 20.157 23.882 27.925 32.220 36.875 41.957
75 14.114 17.612 21.303 25.235 29.491 34.027 38.939 44.282
76 14.748 19.401 22.253 26.349 30.791 35.524 40.630 46.191
77 15.395 19.203 23.214 27.488 32.117 37.033 42.345 48.124
78 16.394 20.442 24.713 29.258 34.165 39.385 45.018 51.144
79 17.865 22.277 26.927 31.861 37.195 42.863 48.976 55.616
80 19.383 24.166 29.192 34.533 40.300 46.425 53.023 60.191
__ 8 9 10 11 12 13 14 ULT
-- ------ ------ ------ ------- ------- ------- ------- -------
0 0.275 0.259 0.260 0.271 0.301 0.389 0.490 0.641
1 0.260 0.260 0.269 0.298 0.386 0.484 0.633 0.776
2 0.261 0.269 0.297 0.383 0.481 0.627 0.768 0.912
3 0.270 0.297 0.382 0.478 0.624 0.762 0.904 1.030
4 0.297 0.382 0.478 0.622 0.739 0.898 1.022 1.120
5 0.384 0.479 0.622 0.738 0.896 1.018 1.114 1.153
6 0.482 0.625 0.760 0.897 1.017 1.111 1.148 1.053
7 0.631 0.765 0.901 1.020 1.112 1.146 1.073 1.013
8 0.777 0.912 1.030 1.119 1.151 1.098 1.034 0.985
9 0.924 1.041 1.129 1.159 1.126 1.059 1.007 0.965
10 1.051 1.139 1.167 1.155 1.086 1.032 0.988 0.930
11 1.129 1.153 1.160 1.087 1.030 0.982 0.922 0.874
12 1.136 1.160 1.084 1.023 0.973 0.911 0.860 0.800
13 1.141 1.081 1.017 0.963 0.898 0.844 0.782 0.756
14 1.067 1.020 0.963 0.895 0.839 0.775 0.748 0.717
15 1.014 0.964 0.900 0.840 0.773 0.744 0.711 0.675
16 0.963 0.914 0.843 0.781 0.751 0.717 0.679 0.645
17 0.913 0.865 0.799 0.768 0.732 0.693 0.658 0.611
18 0.856 0.821 0.745 0.724 0.692 0.663 0.625 0.570
19 0.795 0.758 0.697 0.681 0.660 0.639 0.592 0.548
20 0.723 0.706 0.645 0.640 0.621 0.597 0.566 0.533
21 0.772 0.770 0.714 0.686 0.646 0.608 0.579 0.526
22 0.689 0.701 0.667 0.629 0.605 0.587 0.559 0.526
23 0.626 0.646 0.618 0.593 0.590 0.575 0.557 0.556
24 0.582 0.596 0.590 0.576 0.575 0.578 0.585 0.594
25 0.556 0.575 0.584 0.577 0.593 0.617 0.630 0.645
26 0.557 0.588 0.594 0.608 0.637 0.671 0.693 0.710
27 0.585 0.612 0.629 0.659 0.696 0.735 0.764 0.782
28 0.616 0.655 0.682 0.718 0.757 0.804 0.837 0.870
29 0.671 0.730 0.761 0.793 0.835 0.881 0.926 0.966
30 0.738 0.804 0.837 0.873 0.916 0.972 1.020 1.081
31 0.802 0.871 0.909 0.953 1.007 1.068 1.131 1.211
32 0.864 0.943 0.989 1.047 1.107 1.183 1.266 1.363
33 0.927 1.016 1.078 1.142 1.225 1.327 1.427 1.529
34 0.981 1.077 1.151 1.239 1.355 1.480 1.591 1.727
35 1.072 1.170 1.265 1.378 1.513 1.652 1.785 1.950
36 1.184 1.299 1.414 1.543 1.691 1.853 2.005 2.180
37 1.320 1.455 1.582 1.717 1.883 2.067 2.243 2.422
38 1.480 1.630 1.757 1.907 2.085 2.292 2.510 2.707
39 1.659 1.813 1.952 2.111 2.306 2.547 2.815 3.0_6
40 1.843 2.021 2.165 2.334 2.557 2.834 3.155 3.443
41 2.043 2.240 2.399 2.596 2.847 3.165 3.546 3.924
42 2.256 2.476 2.669 2.902 3.186 3.551 3.988 4.467
43 2.463 2.737 2.971 3.250 3.587 3.994 4.484 5.012
44 2.686 3.016 3.307 3.650 4.042 4.499 4.995 5.619
45 2.937 3.330 3.691 4.096 4.553 5.027 5.591 6.252
46 3.241 3.691 4.114 4.587 5.082 5.635 6.249 6.937
47 3.635 4.114 4.590 5.095 5.681 6.304 6.978 7.705
48 4.102 4.601 5.086 5.667 6.325 7.025 7.791 8.600
49 4.621 5.121 5.657 6.286 7.013 7.816 8.694 9.622
50 5.143 5.704 6.265 6.945 7.759 8.673 9.687 10.739
51 5.709 6.317 6.929 7.698 8.629 9.708 10.895 12.143
52 6.279 6.943 7.656 8.555 9.660 10.935 12.360 13.870
53 6.839 7.573 8.404 9.443 10.694 12.139 13.786 15.661
54 7.397 8.227 9.219 10.448 11.895 13.570 15.603 17.787
55 7.981 8.920 10.068 11.481 13.122 15.099 17.429 19.865
56 8.597 9.657 10.986 12.607 14.550 16.802 19.479 22.352
57 9.250 10.463 11.963 13.846 16.023 18.549 21.541 22.890
58 9.994 11.357 13.087 15.192 17.647 20.492 23.281 27.424
59 10.884 12.407 14.350 16.733 19.556 22.883 26.605 30.660
60 11.952 13.575 15.708 18.337 21.529 25.141 29.319 33.782
61 13.141 14.877 17.252 20.225 23.738 27.903 32.605 37.759
62 14.447 16.326 18.940 22.102 26.022 30.609 35.826 41.627
63 15.814 17.888 20.710 24.273 28.662 33.866 39.771 46.508
64 17.283 19.485 22.646 26.604 31.556 37.430 44.083 51.816
65 18.887 21.332 24.809 29.237 34.777 41.362 48.806 57.456
66 20.821 23.493 27.358 32.278 38.413 45.695 53.984 63.341
67 23.170 26.142 30.428 35.832 42.530 50.506 59.654 69.797
68 26.098 29.406 34.137 39.987 47.215 55.829 65.828 76.795
69 29.618 33.299 38.485 44.771 52.465 61.645 72.507 84.798
70 33.702 37.779 43.472 50.157 58.254 67.977 79.725 93.695
71 36.880 41.348 47.687 55.110 64.120 74.935 89.007 103.552
72 40.371 45.249 52.410 60.825 71.028 83.292 98.112 115.758
73 44.112 49.414 57.503 67.001 78.526 92.364 109.122 129.905
74 47.402 53.090 61.902 72.257 84.819 99.912 118.862 141.721
75 50.018 55.994 65.426 76.504 89.937 106.650 127.092 151.807
76 52.156 58.370 68.169 79.684 94.089 111.588 133.020 158.924
77 54.320 60.764 70.942 83.244 98.312 116.641 139.070 166.181
78 57.703 64.528 75.595 88.711 104.808 124.371 148.312 175.769
79 62.727 70.344 82.424 96.762 114.340 135.705 160.583 190.311
80 68.046 76.322 89.461 105.052 124.157 146.283 173.100 205.124
1987 MORTALITY ASSUMPTION PER 100 - MEDICAL, PROJECTED
IMPORTED 1% FOR SELECT RENEWAL YEARS (as for XPLUS2)
FEMALE NON-SMOKER
DUR 0 1 2 3 4 5 6 7
--- ------ ------ ------ ------ ------ ------ ------ ------
0 2.784 0.623 0.383 0.289 0.230 0.203 0.173 0.157
1 0.638 0.393 0.297 0.236 0.208 0.178 0.161 0.142
2 0.403 0.304 0.242 0.214 0.182 0.165 0.145 0.131
3 0.342 0.248 0.219 0.187 0.169 0.149 0.1_4 0.127
4 0.254 0.225 0.192 0.174 0.153 0.187 0.___ 0.1__
5 0.230 0.192 0.178 0.156 0.140 0.133 0.131 0.13_
6 0.202 0.183 0.160 0.143 0.136 0.134 0.140 0.176
7 0.187 0.164 0.147 0.139 0.137 0.143 0.180 0.220
8 0.168 0.150 0.142 0.140 0.146 0.183 0.224 0.285
9 0.154 0.146 0.143 0.149 0.187 0.228 0.290 0.347
10 0.149 0.146 0.152 0.190 0.232 0.295 0.353 0.410
11 0.149 0.155 0.194 0.236 0.300 0.359 0.417 0.462
12 0.158 0.198 0.241 0.306 0.365 0.423 0.469 0.501
13 0.202 0.245 0.311 0.371 0.429 0.476 0.509 0.514
14 0.250 0.316 0.377 0.436 0.484 0.516 0.522 0.551
15 0.317 0.378 0.433 0.477 0.506 0.521 0.559 0.529
16 0.384 0.440 0.466 0.491 0.506 0.558 0.537 0.510
17 0.451 0.477 0.488 0.499 0.560 0.538 0.515 0.493
18 0.460 0.481 0.492 0.547 0.545 0.512 0.490 0.472
19 0.449 0.475 0.529 0.522 0.509 0.476 0.459 0.443
20 0.426 0.449 0.503 0.491 0.473 0.436 0.430 0.412
21 0.445 0.484 0.492 0.477 0.457 0.422 0.422 0.414
22 0.425 0.465 0.480 0.465 0.445 0.420 0.413 0.404
23 0.415 0.451 0.472 0.458 0.443 0.420 0.412 0.407
24 0.398 0.436 0.458 0.454 0.443 0.424 0.414 0.414
25 0.387 0.419 0.448 0.448 0.447 0.432 0.427 0.432
26 0.369 0.400 0.427 0.433 0.441 0.436 0.437 0.444
27 0.369 0.393 0.419 0.435 0.448 0.454 0.462 0.473
28 0.375 0.397 0.421 0.441 0.459 0.474 0.486 0.508
29 0.387 0.406 0.428 0.454 0.480 0.499 0.523 0.552
30 0.402 0.426 0.453 0.477 0.507 0.538 0.564 0.602
31 0.411 0.445 0.470 0.502 0.536 0.573 0.608 0.654
32 0.413 0.450 0.484 0.519 0.557 0.599 0.650 0.704
33 0.404 0.450 0.492 0.537 0.585 0.636 0.695 0.752
34 0.391 0.450 0.502 0.557 0.617 0.677 0.739 0.803
35 0.391 0.461 0.525 0.596 0.662 0.730 0.796 0.869
36 0.391 0.477 0.556 0.637 0.716 0.787 0.866 0.946
37 0.405 0.501 0.595 0.689 0.775 0.855 0.941 1.032
38 0.435 0.548 0.660 0.763 0.860 0.949 1.043 1.149
39 0.474 0.611 0.773 0.848 0.952 1.054 1.159 1.281
40 0.512 0.666 0.801 0.928 1.036 1.143 1.266 1.400
41 0.548 0.719 0.875 1.009 1.126 1.247 1.374 1.514
42 0.594 0.790 0.960 1.110 1.247 1.379 1.516 1.668
43 0.628 0.839 1.027 1.194 1.343 1.483 1.627 1.789
44 0.661 0.888 1.096 1.280 1.434 1.584 1.739 1.911
45 0.697 0.943 1.167 1.368 1.533 1.694 1.862 2.046
46 0.734 0.997 1.238 1.461 1.647 1.821 2.005 2.211
47 0.771 1.059 1.322 1.566 1.783 1.976 2.177 2.404
48 0.806 1.127 1.418 1.688 1.946 2.169 2.390 2.647
49 0.843 1.200 1.525 1.831 2.128 2.385 2.646 2.931
50 0.879 1.284 1.644 1.985 2.315 2.620 2.919 3.236
51 0.941 1.405 1.815 2.195 2.570 2.923 3.266 3.608
52 1.010 1.539 1.997 2.422 2.830 3.227 3.597 3.974
53 1.087 1.677 2.190 2.650 3.096 3.505 3.905 4.319
54 1.174 1.829 2.391 2.889 3.355 3.776 4.200 4.645
55 1.271 1.999 2.617 3.142 3.629 4.063 4.496 4.974
56 1.389 2.192 2.867 3.430 3.931 4.368 4.827 5.342
57 1.532 2.419 3.160 3.764 4.264 4.727 5.220 5.767
58 1.701 2.694 3.513 4.152 4.676 5.176 5.701 6.278
59 1.903 3.016 3.915 4.605 5.176 5.718 6.275 6.867
60 2.134 3.371 4.362 5.112 5.756 6.335 6.920 7.528
61 2.398 3.754 4.838 5.670 6.394 7.000 7.614 8.255
62 2.697 4.151 5.329 6.267 7.026 7.691 8.347 9.041
63 3.031 4.611 5.881 6.892 7.677 8.381 9.085 9.837
64 3.409 5.155 6.506 7.543 8.353 9.093 9.836 10.654
65 3.832 5.732 7.167 8.215 9.072 9.853 10.651 11.569
66 4.292 6.302 7.811 8.903 9.837 10.698 11.598 12.702
67 4.802 6.820 8.386 9.594 10.665 11.669 12.770 14.087
68 5.356 7.296 8.904 10.283 11.562 12.833 14.206 15.801
69 5.962 7.769 9.412 10.979 12.558 14.173 15.906 17.877
70 6.609 8.221 9.903 11.691 13.622 15.659 17.869 20.278
71 7.251 9.013 10.857 12.806 14.903 17.137 19.551 22.116
72 7.950 9.875 11.885 14.007 16.306 18.744 21.328 24.121
73 8.694 10.792 12.977 15.296 17.800 20.418 23.224 26.261
74 9.844 11.587 13.932 16.418 19.077 21.878 24.879 28.117
75 9.847 12.211 14.682 17.283 20.076 23.016 26.160 29.560
76 10.256 12.714 15.278 17.982 20.879 23.928 27.191 30.720
77 10.664 13.219 15.882 18.687 21.687 24.848 28.233 31.888
78 11.314 14.022 16.842 19.807 22.981 26.327 29.905 33.769
79 12.285 15.222 18.273 21.485 24.926 28.546 32.419 36.604
80 13.278 16.442 19.734 23.200 26.907 30.809 34.986 39.497
DUR 8 9 10 11 12 13 14 ___
--- ------ ------ ------ ------ ------ ------- ------- -------
0 0.138 0.125 0.119 0.118 0.124 0.157 0.194 0.249
1 0.128 0.122 0.120 0.127 0.160 0.197 0.253 0.306
2 0.125 0.123 0.130 0.163 0.201 0.258 0.310 0.364
3 0.126 0.132 0.187 0.2_5 0.___ 0.316 0.___ 0.___
4 0.1_5 0.170 0.___ 0.___ 0.___ 0.3_5 0.446 0.444
5 0.178 0.212 0.271 0.__6 0.__1 0.422 0.4__ 0.___
6 0.216 0.276 0._81 0.386 0.4__ 0.458 0.462 0.4_2
7 0.281 0.336 0.___ 0.435 0.465 0.470 0.448 0.415
8 0.342 0.398 0.442 0.472 0.477 0.465 0.430 0.399
9 0.404 0.448 0.479 0.484 0.482 0.446 0.414 0.387
10 0.455 0.486 0.491 0.499 0.462 0.429 0.401 0.372
11 0.494 0.499 0.517 0.479 0.445 0.417 0.386 0.361
12 0.506 0.535 0.496 0.461 0.432 0.401 0.375 0.343
13 0.543 0.513 0.478 0.448 0.416 0.390 0.357 0.348
14 0.521 0.495 0.465 0.432 0.405 0.371 0.362 0.348
15 0.502 0.477 0.448 0.420 0.385 0.377 0.363 0.351
16 0.485 0.464 0.432 0.400 0.392 0.378 0.366 0.352
17 0.472 0.451 0.418 0.410 0.395 0.382 0.369 0.347
18 0.456 0.438 0.405 0.399 0.390 0.380 0.363 0.340
19 0.429 0.418 0.389 0.389 0.383 0.376 0.357 0.339
20 0.406 0.401 0.375 0.378 0.873 0.368 0.358 0.343
21 0.414 0.415 0.396 0.392 0.885 0.379 0.375 0.3_2
22 0.407 0.413 0.403 0.394 0.893 0.394 0.394 0.3__
23 0.410 0.421 0.413 0.405 0.410 0.414 0.412 0.433
24 0.423 0.435 0.437 0.430 0.441 0.448 0.461 0.474
25 0.442 0.459 0.466 0.469 0.483 0.506 0.519 0.5__
26 0.458 0.481 0.492 0.504 0.529 0.556 0.574 0.587
27 0.494 0.523 0.535 0.559 0.587 0.617 0.636 0.___
28 0.535 0.568 0.588 0.615 0.644 0.677 0.698 0.717
29 0.583 0.634 0.657 0.680 0.710 0.741 0.770 0.797
30 0.651 0.708 0.731 0.755 0.783 0.820 0.852 0.890
31 0.716 0.777 0.802 0.829 0.863 0.906 0.944 0.993
32 0.769 0.836 0.864 0.900 0.939 0.987 1.036 1.094
33 0.820 0.895 0.935 0.979 1.034 1.100 1.163 1.___
34 0.874 0.956 1.008 1.066 1.143 1.227 1.296 1.3_1
35 0.952 1.037 1.099 1.171 1.261 1.349 1._26 1.527
36 1.033 1.128 1.201 1.284 1.379 1.480 1.569 1.675
37 1.128 1.235 1.316 1.400 1.503 1.616 1.722 1.821
38 1.260 1.381 1.455 1.541 1.646 1.770 1.893 1.999
39 1.409 1.533 1.612 1.704 1.821 1.965 2.128 2.246
40 1.533 1.673 1.752 1.848 1.978 2.148 2.339 2.497
41 1.664 1.817 1.911 2.027 2.186 2.386 2.626 2.___
42 1.834 2.010 2.125 2.272 2.451 2.683 2.959 3.256
43 1.965 2.177 2.331 2.515 2.736 3.003 3.324 3.665
44 2.099 2.357 2.557 2.791 3.057 3.367 3.701 4.107
45 2.254 2.554 2.810 3.095 3.416 3.748 4.126 4.571
46 2.441 2.778 3.084 3.426 3.785 4.169 4.597 5.070
47 2.684 3.036 3.376 3.736 4.138 4.565 5.020 5.508
48 2.969 3.330 3.670 4.063 4.507 4.973 5.479 6.007
49 3.279 3.636 3.990 4.407 4.884 5.407 5.973 6.563
50 3.578 3.957 4.336 4.793 5.840 5.951 6.625 7.32_
51 3.970 4.383 4.782 5.284 5.890 6.588 7.359 8.163
52 4.368 4.816 5.225 5.810 6.490 7.276 8.145 9.046
53 4.756 5.252 5.751 6.376 7.134 8.000 8.970 9.985
54 5.143 5.702 6.272 6.988 7.821 8.767 9.838 10.938
55 5.546 6.178 6.835 7.642 8.561 9.596 10.782 11.940
56 5.969 6.691 7.442 8.348 9.364 10.505 11.810 13.132
57 6.425 7.252 8.101 9.115 10.248 11.506 12.950 14.476
58 6.944 7.868 8.815 9.943 11.204 12.611 14.219 16.025
59 7.560 8.554 9.591 10.824 12.235 13.823 15.725 17.740
60 8.266 9.316 10.432 11.779 13.353 15.243 17.385 19.62_
61 9.050 10.149 11.399 12.923 14.835 17.067 19.557 22.347
62 9.897 11.072 12.468 14.269 16.486 19.068 21.922 25.177
63 10.774 12.045 13.733 15.860 18.489 21.604 25.109 28.8_4
64 11.697 13.143 15.055 17.467 20.496 24.070 27.911 32.325
65 12.797 14.398 16.604 19.434 22.973 27.014 31.532 36.715
66 14.110 15.875 18.368 21.546 25.374 29.885 34.951 40.591
67 15.713 17.689 20.555 24.061 28.394 33.511 39.322 45.784
68 17.712 19.910 23.004 26.822 31.509 37.052 43.454 50.486
69 20.105 22.461 25.971 30.199 35.341 41.468 48.695 56.840
70 22.791 25.394 29.367 34.003 39.610 46.328 54.424 64.035
71 24.852 27.685 32.234 37.557 43.999 51.715 61.027 72.109
72 27.100 30.169 35.500 41.755 49.313 58.385 69.352 82.425
73 29.486 32.819 39.035 46.320 55.132 65.718 78.541 94.51_
74 31.563 35.130 42.062 50.201 60.056 71.901 86.816 104.867
75 33.181 36.915 44.505 53.425 64.217 77.674 94.165 114.166
76 34.470 38.342 46.221 55.477 67.053 81.127 98.401 119.34_
77 35.773 39.787 47.957 57.852 69.946 84.663 102.722 124.642
78 37.879 42.125 51.005 61.540 74.444 90.146 109.419 131.___
79 41.055 45.838 55.517 67.019 81.096 98.240 118.412 142.582
80 44.453 49.647 60.160 72.646 87.950 105.845 127.565 153.60_
Amendment No. 19
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to the following:
(1) For all life insurance plans reinsured under the Agreement, where policy
issue dates are on or after January 1, 1992, the following reinsurance
premium rate limit guidelines shall apply.
The reinsurance premium rates stated in the Agreement, shall not apply
whenever any of the following conditions are true:
a. The total inforce and applied for in all companies exceeds
$10,000,000.
b. The total amount reinsured with Security for the subject
life exceeds $10,000,000.
c. The age of the insured is greater than 75.
d. The risk is not Standard.
f. Security Life's facultative offer to Ceding Company states
that the reinsurance premiums for the proposed reinsurance
will be based on facultative reinsurance costs incurred by
Security Life.
For cases where any of the above conditions are true, the reinsurance
premium rates shall be mutually agreed upon.
The effective date of this amendment is January 1, 1992.
THE LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By: /s/ Illegible By: /s/ Xxxxxx X. Pete____
---------------------------------- ----------------------------------
Title: __ V.P Title: 2nd VP Reinsurance
Date: May 1, 1992 Date: April 15, 1992
Amendment No. 21
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to reinsure, under the terms and conditions of the Agreement,
issues of Ceding Company's Dominion Life - Form No. P1180 1/93 product and
therefore to the following:
1. Exhibit B, PLANS REINSURED/REINSURANCE PREMIUM RATES/RECAPTURE PERIOD,
shall be amended to include:
Dominion Life (Excess Interest Whole Life)
Form No. P1180 1/93
The annual standard reinsurance premiums per $1000 reinsured shall be the
following percentages of the Dominion Life Expected Mortality Assumptions
per $1000, attached:
ALL YEARS
---------------------
Issue Age PNS SNS PSM SSM
--------- --- --- --- ---
0-40 125% 125% 125% 125%
41-60 117% 105% 115% 105%
61+ 115% 115% 115% 115%
Substandard rates will be at a multiple of the standard rates.
2. For these policies, Security Life shall automatically reinsure 20% of the
excess over Ceding Company's Retention Limits as shown in No. 3, below.
3. For this product Exhibit D, RETENTION LIMITS, shall be amended to include:
Life Insurance
Ages Standard and Substandard
----- ------------------------
0-70 $500,000
71-75 $250,000
76+ -0-
To avoid ceding minimal amounts of reinsurance, Ceding Company shall retain
any amount above its retention that does not exceed $100,000 for ages 0-70
or $50,000 for ages 71-75.
4. For these policies Exhibit G, AUTOMATIC BINDING LIMITS, shall be amended to
include:
The total amount reinsured automatically under this Agreement by the
Pool members, for policies that are not term policies, shall not
exceed the following limits:
Life
Issue Age Amount
--------- --------------------------
(Standard and Substandard)
0-70 $1,500,000 per Pool Member
($7,500,000 Total)
71-75 $750,000 per Pool Member
(#3,750,000 Total)
Over 75 Automatic reinsurance not
available
The effective date of this Amendment is March 1, 1993.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By: /s/ Illegible By: /s/ Xxxxxx X. Xxxxxxxx
---------------------------------- ----------------------------------
Title: __ V.P. Title: 2nd VP Reinsurance
Date: August 13, 1993 Date: August 6, 1993
DOMINION LIFE
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
MEDICAL PROJECTED
MALE PREFERRED NONSMOKER
x [x] [x]+l [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ----- ----- ------ ------ ------ ------ ------ ------
0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297
1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271
2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252
3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249
4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253
5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274
6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354
7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445
8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586
9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719
10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852
11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 0.837
12 0.288 0.368 0.457 0.590 0.725 0.824 0.796 0.892
13 0.371 0.458 0.589 0.710 0.843 0.760 0.848 0.895
14 0.459 0.588 0.707 0.825 0.758 0.811 0.853 0.623
15 0.589 0.707 0.814 0.716 0.789 0.810 0.600 0.587
16 0.714 0.820 0.691 0.730 0.780 0.569 0.566 0.560
17 0.821 0.645 0.709 0.726 0.561 0.535 0.533 0.530
18 0.608 0.637 0.699 0.518 0.533 0.500 0.497 0.494
19 0.582 0.617 0.490 0.484 0.490 0.458 0.456 0.453
20 0.542 0.422 0.456 0.447 0.447 0.409 0.415 0.413
21 0.348 0.384 0.427 0.422 0.423 0.394 0.416 0.428
22 0.304 0.340 0.383 0.376 0.377 0.360 0.372 0.385
23 0.270 0.299 0.340 0.334 0.340 0.325 0.338 0.350
24 0.234 0.259 0.296 0.300 0.306 0.298 0.306 0.324
25 0.209 0.229 0.267 0.271 0.286 0.279 0.292 0.314
26 0.193 0.214 0.247 0.256 0.274 0.276 0.294 0.317
27 0.188 0.202 0.236 0.249 0.271 0.281 0.304 0.332
28 0.187 0.202 0.233 0.250 0.276 0.291 0.318 0.360
29 0.193 0.205 0.237 0.258 0.290 0.308 0.349 0.392
30 0.197 0.213 0.249 0.268 0.303 0.334 0.372 0.430
31 0.198 0.220 0.255 0.280 0.321 0.351 0.403 0.460
32 0.201 0.223 0.264 0.294 0.335 0.374 0.431 0.497
33 0.196 0.224 0.272 0.305 0.358 0.398 0.463 0.534
34 0.188 0.224 0.274 0.316 0.373 0.419 0.487 0.565
35 0.189 0.228 0.289 0.338 0.401 0.452 0.527 0.614
36 0.191 0.241 0.311 0.368 0.441 0.498 0.585 0.680
37 0.202 0.258 0.338 0.404 0.486 0.552 0.647 0.752
38 0.216 0.282 0.375 0.449 0.541 0.612 0.714 0.836
39 0.236 0.314 0.417 0.499 0.599 0.677 0.793 0.932
40 0.259 0.349 0.465 0.558 0.662 0.748 0.883 1.037
41 0.283 0.384 0.519 0.616 0.734 0.833 0.977 1.146
42 0.307 0.423 0.568 0.679 0.814 0.921 1.079 1.265
43 0.332 0.458 0.621 0.746 0.895 1.013 1.184 1.386
44 0.356 0.495 0.678 0.816 0.976 1.106 1.293 1.509
45 0.384 0.539 0.737 0.893 1.068 1.209 1.412 1.650
46 0.415 0.582 0.801 0.976 1.173 1.326 1.554 1.811
47 0.446 0.633 0.875 1.070 1.297 1.471 1.714 2.000
48 0.478 0.690 0.961 1.178 1.447 1.642 1.915 2.239
49 0.512 0.753 1.056 1.307 1.611 1.839 2.157 2.521
50 0.547 0.823 1.165 1.444 1.787 2.057 2.422 2.831
51 0.585 0.902 1.282 1.592 1.975 2.285 2.696 3.146
52 0.629 0.985 1.407 1.750 2.167 2.509 2.959 3.467
53 0.675 1.071 1.538 1.909 2.359 2.717 3.214 3.767
54 0.728 1.165 1.674 2.072 2.548 2.928 3.455 4.052
55 0.786 1.270 1.826 2.247 2.758 3.150 3.701 4.341
56 0.857 1.388 1.994 2.454 2.986 3.388 3.974 4.664
57 0.944 1.527 2.199 2.691 3.241 3.667 4.300 5.040
58 1.044 1.701 2.443 2.970 3.555 4.018 4.700 5.484
59 1.169 1.904 2.724 3.295 3.937 4.442 5.171 5.996
60 1.310 2.130 3.036 3.660 4.382 4.919 5.700 6.576
61 1.473 2.372 3.369 4.063 4.858 5.434 6.275 7.213
62 1.657 2.624 3.714 4.489 5.345 5.972 6.880 7.901
63 1.864 2.917 4.097 4.935 5.842 6.510 7.490 8.608
64 2.098 3.260 4.531 5.403 6.358 7.065 8.119 9.336
65 2.357 3.624 4.993 5.886 6.907 7.665 8.805 10.164
66 2.640 3.986 5.444 6.380 7.499 8.334 9.612 11.152
67 2.954 4.315 5.846 6.884 8.141 9.114 10.582 12.373
68 3.296 4.617 6.215 7.389 8.849 10.026 11.782 13.876
59 3.669 4.922 6.578 7.909 9.620 11.088 13.196 15.694
70 4.073 5.216 6.939 8.434 10.454 12.261 14.828 17.809
71 4.475 5.733 7.622 9.260 11.453 13.428 16.238 19.496
72 4.919 6.297 8.368 10.148 12.546 14.708 17.781 21.337
73 5.395 6.905 9.159 11.101 13.722 16.082 19.429 23.320
74 5.821 7.435 9.855 11.944 14.762 17.293 20.895 25.075
75 6.155 7.857 10.415 12.620 15.589 18.262 22.064 26.464
76 6.432 8.209 10.879 13.177 16.277 19.067 23.023 27.606
77 6.714 8.567 11.349 13.747 16.978 19.877 23.995 28.761
78 7.150 9.120 12.082 14.632 18.061 21.139 25.510 30.566
79 7.791 9.938 13.165 15.934 19.663 23.006 27.752 33.238
80 _.___ _.___ __.___ __.___ __.___ __.___ 30.046 35._73
x [x]+8 [x]+9 [x]+10 [x]+ll [x]+12 [x]+13 [x]+14 ULT
-- ------ ------ ------ ------ ------ ------- ------- -------
0 0.278 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15
1 0.258 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16
2 0.253 0.261 0.283 0.365 0.459 0.600 0.735 0.873 17
3 0.257 0.282 0.363 0.456 0.595 0.728 0.864 0.904 18
4 0.278 0.363 0.454 0.592 0.723 0.857 0.896 0.980 19
5 0.358 0.455 0.591 0.721 0.853 0.891 0.973 1.006 20
6 0.450 0.593 0.722 0.852 0.888 0.969 1.000 0.757 21
7 0.588 0.725 0.854 0.889 0.968 0.998 0.747 0.726 22
8 0.724 0.863 0.896 0.973 1.001 0.741 0.718 0.705 23
9 0.860 0.904 0.980 1.006 0.737 0.713 0.699 0.691 24
10 0.877 0.987 1.012 0.734 0.709 0.695 0.686 0.666 25
11 0.940 0.998 0.714 0.688 0.672 0.661 0.640 0.626 26
12 0.944 0.694 0.666 0.648 0.636 0.613 0.597 0.573 27
13 0.655 0.645 0.625 0.610 0.586 0.568 0.543 0.553 28
14 0.612 0.609 0.592 0.567 0.548 0.521 0.529 0.534 29
15 0.582 0.575 0.553 0.532 0.505 0.510 0.512 0.513 30
16 0.552 0.546 0.518 0.495 0.498 0.499 0.498 0.500 31
17 0.523 0.516 0.491 0.493 0.493 0.491 0.492 0.483 32
18 0.491 0.490 0.464 0.472 0.473 0.478 0.476 0.467 33
19 0.456 0.457 0.439 0.450 0.459 0.468 0.467 0.467 34
20 0.419 0.431 0.412 0.429 0.439 0.452 0.462 0.472 35
21 0.452 0.476 0.462 0.467 0.470 0.476 0.489 0.484 36
22 0.408 0.438 0.437 0.440 0.454 0.475 0.490 0.503 37
23 0.374 0.409 0.416 0.426 0.456 0.480 0.506 0.532 38
24 0.351 0.386 0.407 0.426 0.459 0.499 0.531 0.567 39
25 0.342 0.381 0.413 0.439 0.487 0.533 0.572 0.617 40
26 0.350 0.399 0.431 0.476 0.523 0.579 0.629 0.678 41
27 0.376 0.424 0.468 0.516 0.572 0.635 0.694 0.747 42
28 0.404 0.465 0.508 0.562 0.622 0.694 0.761 0.825 43
29 0.448 0.518 0.567 0.620 0.686 0.762 0.835 0.909 44
30 0.493 0.570 0.623 0.683 0.753 0.835 0.913 1.009 45
31 0.536 0.618 0.677 0.745 0.823 0.911 1.006 1.123 46
32 0.578 0.669 0.737 0.815 0.899 1.003 1.119 1.254 47
33 0.620 0.721 0.799 0.884 0.989 1.117 1.251 1.407 48
34 0.656 0.761 0.849 0.954 1.087 1.238 1.395 1.589 49
35 0.714 0.822 0.928 1.054 1.207 1.382 1.565 1.795 50
36 0.785 0.909 1.033 1.174 1.349 1.550 1.759 2.006 51
37 0.872 1.014 1.149 1.307 1.502 1.729 1.968 2.229 52
38 0.974 1.130 1.277 1.451 1.664 1.917 2.202 2.472 53
39 1.087 1.258 1.418 1.607 1.840 2.130 2.451 2.752 54
40 1.208 1.402 1.573 1.777 2.040 2.355 2.728 3.096 55
41 1.340 1.554 1.743 1.976 2.258 2.612 3.045 3.503 56
42 1.479 1.718 1.939 2.197 2.511 2.912 3.400 3.957 57
43 1.615 1.899 2.147 2.447 2.810 3.253 3.796 4.440 58
44 1.761 2.083 2.379 2.732 3.147 3.641 4.229 4.978 59
45 1.918 2.289 2.641 3.049 3.524 4.068 4.733 5.539 60
46 2.108 2.526 2.929 3.396 3.933 4.560 5.291 6.146 61
47 2.354 2.802 3.252 3.772 4.397 5.102 5.908 6.827 62
48 2.646 3.120 3.603 4.196 4.895 5.685 6.596 7.619 63
49 2.969 3.472 4.007 4.654 5.428 6.325 7.361 8.524 64
50 3.304 3.868 4.438 5.142 6.005 7.020 8.202 9.514 65
51 3.668 4.283 4.909 5.699 6.679 7.857 9.224 10.758 66
52 4.034 4.708 5.423 6.334 7.476 8.850 10.464 12.289 67
53 4.394 5.135 5.954 6.991 8.277 9.825 11.671 13.770 68
54 4.753 5.579 6.531 7.736 9.206 10.983 13.116 15.521 69
55 5.128 6.049 7.133 8.500 10.155 12.140 14.548 17.203 70
56 5.524 6.548 7.783 9.334 11.193 13.420 16.144 19.210 71
57 5.944 7.095 8.475 10.194 12.251 14.718 17.727 21.230 72
58 6.422 7.702 9.224 11.123 13.411 16.154 19.514 23.391 73
59 6.994 8.375 10.064 12.183 14.772 17.920 21.740 26.152 74
60 7.649 9.122 10.961 13.276 16.164 19.688 23.958 28.815 75
61 8.376 9.951 11.977 14.562 17.822 21.852 26.643 32.207 76
62 9.171 10.871 13.083 15.914 19.537 23.971 29.275 35.506 77
63 9.998 11.857 14.305 17.477 21.519 26.522 32.499 39.670 78
64 10.883 12.916 15.643 19.155 23.692 29.313 36.022 44.197 79
65 11.893 14.140 17.136 21.051 26.110 32.392 39.882 49.008 80
66 13.1ll 15.573 18.897 23.241 28.840 35.785 44.113 54.028 81
67 14.590 17.329 21.018 25.800 31.931 39.553 48.747 59.535 82
68 16.433 19.492 23.580 28.792 35.449 43.722 53.786 65.504 83
59 18.650 22.073 26.584 32.237 39.390 48.276 59.249 72.330 84
70 21.222 25.042 30.029 36.115 43.737 53.235 65.147 79.918 85
71 23.223 27.408 32.940 39.681 48.141 58.684 71.915 88.327 86
72 25.421 29.994 36.202 43.796 53.328 65.229 80.172 98.738 87
73 27.777 32.755 39.721 48.243 58.957 72.333 89.169 109.967 88
74 29.849 35.192 42.759 52.028 63.682 78.245 96.442 119.062 89
75 31.496 37.116 45.194 55.086 67.525 82.974 102.393 126.572 90
76 32.841 38.690 47.089 57.374 70.216 86.245 106.417 131.505 91
77 34.204 40.277 49.004 59.609 72.922 89.558 110.470 136.472 92
78 36.334 42.772 51.953 63.170 77.270 94.869 116.985 144.346 93
79 39.498 46.419 56.360 68.522 83.790 102.842 126.664 156.288 94
80 42.677 50.134 60.864 73.975 90.430 110.858 136.537 168.454 95
DOMINION LIFE
EXPECTED MORTALITY ASSUMPTIONS (l000qx)
MEDICAL PROJECTED
MALE NONSMOKER
[x] [x]+l [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
------ ------ ------ ------ ------ ------ ------ ------
0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297
1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271
2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252
3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249
4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253
5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274
6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354
7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445
8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586
9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719
10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852
11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 0.953
12 0.288 0.368 0.457 0.590 0.725 0.824 0.934 1.015
13 0.371 0.458 0.589 0.710 0.843 0.916 0.995 1.019
14 0.459 0.588 0.707 0.825 0.938 0.977 1.001 1.025
15 0.589 0.707 0.814 0.901 0.976 0.975 1.016 0.966
16 0.714 0.820 0.870 0.920 0.965 0.990 0.959 0.921
17 0.821 0.871 0.893 0.914 1.003 0.931 0.904 0.873
18 0.821 0.860 0.881 0.942 0.953 0.871 0.842 0.813
19 0.785 0.833 0.892 0.880 0.877 0.798 0.772 0.745
20 0.731 0.823 0.830 0.814 0.800 0.712 0.703 0.680
21 0.680 0.749 0.777 0.768 0.757 0.686 0.704 0.703
22 0.594 0.663 0.697 0.684 0.674 0.628 0.630 0.634
23 0.527 0.583 0.619 0.608 0.609 0.566 0.573 0.576
24 0.457 0.506 0.539 0.546 0.547 0.519 0.518 0.533
25 0.407 0.447 0.487 0.494 0.511 0.485 0.495 0.517
26 0.377 0.417 0.450 0.466 0.490 0.481 0.498 0.522
27 0.367 0.395 0.430 0.453 0.485 0.489 0.515 0.547
28 0.365 0.395 0.423 0.454 0.494 0.506 0.539 0.592
29 0.377 0.400 0.432 0.470 0.518 0.537 0.591 0.645
30 0.383 0.415 0.453 0.487 0.543 0.581 0.630 0.707
31 0.387 0.430 0.464 0.510 0.574 0.611 0.682 0.757
32 0.392 0.435 0.481 0.535 0.599 0.651 0.730 0.818
33 0.383 0.438 0.496 0.554 0.640 0.692 0.785 0.878
34 0.367 0.436 0.498 0.575 0.667 0.730 0.826 0.929
35 0.370 0.445 0.525 0.615 0.716 0.788 0.892 1.010
36 0.372 0.471 0.566 0.670 0.788 0.866 0.991 1.119
37 0.394 0.503 0.616 0.736 0.870 0.961 1.096 1.237
38 0.422 0.549 0.683 0.817 0.967 1.065 1.209 1.376
39 0.460 0.612 0.759 0.909 1.070 1.178 1.344 1.533
40 0.505 0.680 0.847 1.015 1.183 1.303 1.496 1.705
41 0.552 0.750 0.944 1.121 1.312 1.450 1.655 1.884
42 0.600 0.825 1.033 1.235 1.455 1.603 1.829 2.080
43 0.648 0.893 1.129 1.358 1.599 1.762 2.006 2.279
44 0.695 0.966 1.233 1.485 1.746 1.925 2.191 2.482
45 0.750 1.050 1.342 1.624 1.909 2.104 2.392 2.714
46 0.810 1.135 1.457 1.775 2.097 2.308 2.632 2.978
47 0.870 1.235 1.592 1.946 2.318 2.560 2.904 3.290
48 0.932 1.346 1.748 2.143 2.587 2.858 3.243 3.682
49 0.999 1.467 1.921 2.379 2.880 3.200 3.654 4.146
50 1.067 1.605 2.120 2.628 3.194 3.579 4.103 4.656
51 1.141 1.758 2.333 2.896 3.530 3.976 4.566 5.175
52 1.227 1.920 2.559 3.184 3.873 4.367 5.013 5.702
53 1.316 2.087 2.798 3.472 4.217 4.728 5.444 6.195
54 1.419 2.271 3.046 3.770 4.555 5.096 5.853 6.664
55 1.533 2.475 3.321 4.087 4.929 5.481 6.268 7.139
56 1.671 2.706 3.627 4.464 5.338 5.895 6.731 7.671
57 1.839 2.977 4.000 4.896 5.793 6.382 7.283 8.288
58 2.036 3.316 4.445 5.403 6.353 6.992 7.961 9.018
59 2.279 3.712 4.955 5.994 7.037 7.729 8.759 9.862
60 2.554 4.151 5.522 6.658 7.831 8.560 9.655 10.815
61 2.871 4.623 6.129 7.390 8.682 9.455 10.628 11.862
62 3.230 5.115 6.756 8.166 9.553 10.393 11.654 12.994
63 3.633 5.686 7.453 8.977 10.442 11.329 12.686 14.156
64 4.088 6.354 8.242 9.829 11.363 12.293 13.752 15.354
65 4.595 7.064 9.083 10.706 12.344 13.338 14.913 16.716
66 5.145 7.769 9.902 11.605 13.402 14.502 16.281 18.340
67 5.757 8.409 10.633 12.523 14.550 15.859 17.924 20.347
68 6.423 8.999 11.304 13.441 15.815 17.447 19.956 22.819
69 7.151 9.594 11.965 14.387 17.193 19.295 22.352 25.810
70 7.938 10.166 12.623 15.342 18.684 21.336 25.116 29.287
71 8.722 11.174 13.864 16.844 20.469 23.367 27.503 32.062
72 9.587 12.272 15.222 18.459 22.423 25.593 30.116 35.090
73 10.514 13.457 16.660 20.192 24.525 27.984 32.909 38.351
74 11.345 14.490 17.926 21.725 26.382 30.091 35.391 41.237
75 11.996 15.313 18.945 22.956 27.861 31.778 37.372 43.522
76 12.535 15.999 19.789 23.968 29.090 33.178 38.995 45.399
77 13.085 16.696 20.644 25.005 30.343 34.588 40.641 47.298
78 13.935 17.773 21.977 26.615 32.279 36.784 43.207 50.267
79 15.185 19.369 23.946 28.983 35.141 40.032 47.006 54.662
80 __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___
[x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------- ------- ------- ------- -------
0 0.278 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15
1 0.258 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16
2 0.253 0.261 0.283 0.365 0.459 0.600 0.735 0.873 17
3 0.257 0.282 0.363 0.456 0.595 0.728 0.864 0.984 18
4 0.278 0.363 0.454 0.592 0.723 0.857 0.975 1.067 19
5 0.358 0.455 0.591 0.721 0.853 0.969 1.059 1.094 20
6 0.450 0.593 0.722 0.852 0.966 1.054 1.088 0.996 21
7 0.588 0.725 0.854 0.967 1.053 1.085 1.014 0.956 22
8 0.724 0.863 0.974 1.059 1.088 1.036 0.975 0.929 23
9 0.860 0.983 1.066 1.094 1.062 0.998 0.949 0.910 24
10 0.977 1.074 1.100 1.088 1.022 0.972 0.931 0.877 25
11 1.048 1.085 1.091 1.021 0.969 0.925 0.869 0.824 26
12 1.053 1.090 1.017 0.962 0.916 0.858 0.811 0.755 27
13 1.056 1.014 0.954 0.905 0.844 0.795 0.737 0.728 28
14 0.986 0.956 0.904 0.841 0.789 0.729 0.718 0.703 29
15 0.937 0.904 0.845 0.790 0.727 0.713 0.695 0.675 30
16 0.890 0.857 0.792 0.734 0.717 0.698 0.675 0.658 31
17 0.843 0.811 0.750 0.732 0.710 0.686 0.667 0.636 32
18 0.791 0.770 0.708 0.700 0.682 0.668 0.646 0.615 33
19 0.734 0.719 0.671 0.668 0.661 0.655 0.633 0.615 34
20 0.675 0.678 0.630 0.637 0.632 0.632 0.627 0.622 35
21 0.728 0.748 0.706 0.693 0.677 0.666 0.664 0.637 36
22 0.657 0.689 0.668 0.653 0.654 0.664 0.665 0.662 37
23 0.603 0.642 0.635 0.633 0.657 0.672 0.687 0.700 38
24 0.566 0.606 0.622 0.632 0.661 0.698 0.721 0.747 39
25 0.552 0.598 0.631 0.652 0.702 0.746 0.777 0.812 40
26 0.564 0.627 0.658 0.706 0.754 0.811 0.854 0.893 41
27 0.605 0.667 0.715 0.765 0.825 0.889 0.942 0.984 42
28 0.650 0.731 0.776 0.833 0.897 0.971 1.033 1.087 43
29 0.722 0.814 0.865 0.920 0.989 1.065 1.134 1.197 44
30 0.795 0.896 0.952 1.013 1.085 1.167 1.240 1.329 45
31 0.864 0.971 1.035 1.106 1.186 1.274 1.365 1.479 46
32 0.931 1.051 1.125 1.209 1.295 1.402 1.518 1.651 47
33 0.998 1.133 1.220 1.311 1.425 1.562 1.698 1.853 48
34 1.057 1.195 1.297 1.415 1.566 1.731 1.894 2.093 49
35 1.151 1.292 1.417 1.564 1.739 1.933 2.125 2.363 50
36 1.265 1.429 1.577 1.742 1.943 2.167 2.387 2.642 51
37 1.405 1.593 1.755 1.939 2.164 2.418 2.671 2.935 52
38 1.569 1.776 1.950 2.153 2.397 2.681 2.989 3.255 53
39 1.751 1.976 2.165 2.384 2.650 2.979 3.327 3.624 54
40 1.946 2.203 2.402 2.635 2.938 3.293 3.703 4.077 55
41 2.157 2.442 2.661 2.931 3.253 3.653 4.133 4.612 56
42 2.382 2.699 2.961 3.259 3.618 4.073 4.615 5.211 57
43 2.600 2.984 3.279 3.629 4.048 4.550 5.153 5.847 58
44 2.836 3.272 3.632 4.053 4.533 5.092 5.740 6.555 59
45 3.089 3.596 4.033 4.523 5.076 5.690 6.424 7.294 60
46 3.395 3.968 4.472 5.037 5.666 6.378 7.181 8.093 61
47 3.792 4.403 4.965 5.594 6.333 7.135 8.018 8.989 62
48 4.261 4.902 5.501 6.223 7.051 7.951 8.952 10.032 63
49 4.782 5.456 6.119 6.903 7.819 8.846 9.990 11.224 64
50 5.322 6.077 6.777 7.627 8.650 9.817 11.132 12.528 65
51 5.908 6.730 7.495 8.453 9.621 10.988 12.520 14.166 66
52 6.497 7.397 8.281 9.395 10.769 12.377 14.203 16.181 67
53 7.077 8.069 9.090 10.370 11.923 13.740 15.841 18.132 68
54 7.654 8.766 9.972 11.474 13.262 15.360 17.802 20.437 69
55 8.259 9.504 10.891 12.608 14.629 16.978 19.745 22.652 70
56 8.896 10.289 11.884 13.845 16.123 18.769 21.912 25.295 71
57 9.572 11.148 12.940 15.121 17.648 20.584 24.060 27.954 72
58 10.342 12.101 14.084 16.498 19.318 22.591 26.485 30.800 73
59 11.263 13.159 15.366 18.071 21.279 25.062 29.506 34.435 74
60 12.318 14.333 16.735 19.693 23.284 27.534 32.517 37.941 75
61 13.489 15.635 18.286 21.600 25.672 30.560 36.161 42.407 76
62 14.770 17.081 19.975 23.605 28.143 33.523 39.734 46.752 77
63 16.101 18.629 21.842 25.924 30.998 37.091 44.109 52.234 78
64 17.526 20.293 23.884 28.413 34.128 40.994 48.891 58.195 79
65 19.152 22.216 26.164 31.225 37.612 45.300 54.130 64.529 80
66 21.114 24.467 28.853 34.473 41.544 50.045 59.872 71.139 81
67 23.496 27.226 32.090 38.269 45.997 55.314 66.161 78.390 82
68 26.465 30.625 36.002 42.706 51.064 61.145 73.001 86.250 83
69 30.035 34.680 40.588 47.815 56.741 67.514 80.416 95.238 84
70 34.176 39.346 45.848 53.567 63.003 74.449 88.421 105.230 85
71 37.398 43.062 50.293 58.857 69.347 82.069 97.606 116.301 86
72 40.938 47.125 55.274 64.961 76.819 91.222 108.813 130.009 87
73 44.733 51.463 60.646 71.557 84.927 101.158 121.024 144.794 88
74 48.069 55.292 65.285 77.170 91.733 109.425 130.896 156.771 89
75 50.722 58.316 69.002 81.706 97.269 116.038 138.972 166.659 90
76 52.888 60.788 71.895 85.100 101.147 120.614 144.434 173.155 91
77 55.082 63.281 74.819 88.415 105.043 125.247 149.935 179.695 92
78 58.513 67.201 79.322 93.698 111.307 132.674 158.778 190.063 93
79 63.608 72.932 86.051 101.635 120.698 143.824 171.914 205.787 94
80 68.7_7 78.769 92.928 109.724 130.264 155.035 185.314 221.805 95
DOMINION LIFE
EXPECTED MORTALITY ASSUMPTIONS (lOOOqx)
MEDICAL PROJECTED
MALE SMOKER
[x] [x]+l [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
------ ------ ------ ------ ------ ------ ------ ------
0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297
1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271
2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252
3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249
4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253
5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274
6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354
7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445
8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586
9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719
10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852
11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 1.059
12 0.288 0.368 0.457 0.590 0.725 0.824 1.049 1.128
13 0.371 0.458 0.589 0.710 0.843 1.044 1.118 1.132
14 0.459 0.588 0.707 0.825 1.059 1.114 1.124 1.776
15 0.589 0.707 0.814 1.007 1.102 1.112 1.780 1.699
16 0.714 0.820 0.973 1.028 1.091 1.761 1.706 1.644
17 0.821 0.922 0.998 1.022 1.766 1.682 1.632 1.583
18 0.821 0.911 0.985 1.642 1.705 1.595 1.544 1.506
19 0.785 0.882 1.554 1.558 1.592 1.485 1.446 1.405
20 0.731 1.358 1.469 1.461 1.476 1.353 1.341 1.313
21 1.060 1.257 1.395 1.402 1.426 1.327 1.376 1.394
22 0.940 1.128 1.272 1.275 1.293 1.244 1.263 1.294
23 0.847 1.008 1.152 1.153 1.196 1.152 1.182 1.232
24 0.746 0.893 1.023 1.060 1.103 1.087 1.120 1.174
25 0.679 0.803 0.946 0.985 1.061 1.064 1.103 1.163
26 0.640 0.767 0.898 0.958 1.064 1.086 1.133 1.205
27 0.638 0.746 0.883 0.973 1.086 1.129 1.202 1.291
28 0.652 0.768 0.910 1.007 1.130 1.198 1.287 1.404
29 0.692 0.815 0.956 1.063 1.216 1.300 1.418 1.561
30 0.738 0.871 1.024 1.131 1.302 1.414 1.543 1.726
31 0.768 0.921 1.076 1.210 1.385 1.517 1.685 1.878
32 0.793 0.958 1.141 1.277 1.476 1.631 1.832 2.051
33 0.796 0.984 1.182 1.350 1.588 1.763 1.990 2.233
34 0.779 0.986 1.213 1.412 1.682 1.877 2.123 2.391
35 0.789 1.027 1.291 1.536 1.826 2.055 2.322 2.621
36 0.811 1.096 1.412 1.689 2.037 2.288 2.602 2.925
37 0.866 1.189 1.554 1.883 2.276 2.559 2.897 3.267
38 0.943 1.312 1.747 2.114 2.553 2.857 3.230 3.653
39 1.037 1.483 1.966 2.372 2.846 3.193 3.609 4.052
40 1.157 1.667 2.211 2.668 3.177 3.551 3.999 4.489
41 1.278 1.854 2.482 2.979 3.544 3.933 4.404 4.940
42 1.401 2.055 2.745 3.299 3.911 4.330 4.848 5.433
43 1.526 2.247 3.017 3.609 4.281 4.742 5.298 5.916
44 1.651 2.445 3.278 3.933 4.654 5.159 5.750 6.392
45 1.792 2.646 3.553 4.284 5.068 5.603 6.230 6.895
46 1.927 2.848 3.842 4.662 5.535 6.100 6.763 7.480
47 2.062 3.086 4.183 5.081 6.069 6.675 7.378 8.156
48 2.199 3.350 4.564 5.553 6.683 7.368 8.132 8.976
49 2.348 3.630 4.976 6.079 7.357 8.142 9.007 9.930
50 2.493 3.940 5.418 6.640 8.052 8.955 9.936 10.946
51 2.645 4.256 5.895 7.222 8.750 9.773 10.855 11.962
52 2.805 4.595 6.382 7.808 9.431 10.536 11.717 12.869
53 2.976 4.932 6.861 8.365 10.080 11.216 12.424 13.662
54 3.166 5.275 7.337 8.915 10.706 11.803 13.053 14.405
55 3.364 5.649 7.855 9.504 11.311 12.406 13.701 15.126
56 3.603 6.063 8.433 10.133 11.970 13.076 14.422 15.933
57 3.892 6.558 9.080 10.862 12.732 13.877 15.298 16.859
58 4.235 7.133 9.860 11.748 13.688 14.905 16.375 17.966
59 4.628 7.801 10.774 12.776 14.863 16.134 17.645 19.232
60 5.070 8.550 11.771 13.911 16.197 17.500 19.041 20.637
61 5.586 9.335 12.805 15.121 17.587 18.924 20.508 22.124
62 6.160 10.124 13.823 16.364 18.943 20.351 21.980 23.686
63 6.791 11.021 14.935 17.611 20.259 21.684 23.384 25.206
64 7.485 12.064 16.169 18.865 21.550 22.996 24.761 26.686
65 8.238 13.128 17.433 20.086 22.879 24.371 26.211 28.343
66 9.030 14.127 18.578 21.279 24.263 25.866 27.916 30.323
67 9.887 14.945 19.496 22.428 25.715 27.596 29.968 32.779
68 10.783 15.631 20.246 23.499 27.267 29.603 32.510 36.037
69 11.732 16.278 20.919 24.538 28.905 31.899 35.696 39.935
70 12.721 16.838 21.530 25.515 30.605 34.580 39.298 44.385
71 13.643 18.055 23.058 27.295 32.869 37.103 42.150 47.569
72 14.630 19.336 24.666 29.323 35.277 39.804 45.185 50.947
73 15.646 20.659 26.465 31.427 37.792 42.609 48.317 54.467
74 16.449 21.807 27.900 33.119 39.800 44.834 50.827 57.247
75 17.050 22.578 28.881 34.260 41.131 46.315 52.465 59.041
76 17.456 23.105 29.534 35.004 42.008 47.268 53.495 60.146
77 17.848 23.606 30.149 35.721 42.832 48.152 54.449 61.154
78 18.607 24.590 31.396 37.166 44.524 50.O11 56.492 63.394
79 19.842 26.213 33.438 39.549 47.339 53.116 59.948 67.201
80 ______ ______ 35.4_5 41.863 50.056 56.117 63.266 70.853
[x]+8 [x]+9 [x]+10 [x]+ll [x]+12 [x]+13 [x]+14 ULT
------ ------ ------- ------- ------- ------- ------- -------
0 0.278 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15
1 0.258 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16
2 0.253 0.261 0.283 0.365 0.459 0.600 0.735 0.873 17
3 0.257 0.282 0.363 0.456 0.595 0.728 0.864 1.058 18
4 0.278 0.363 0.454 0.592 0.723 0.857 1.048 1.147 19
5 0.358 0.455 0.591 0.721 0.853 1.042 1.138 1.176 20
6 0.450 0.593 0.722 0.852 1.039 1.133 1.170 1.706 21
7 0.588 0.725 0.854 1.040 1.133 1.167 1.730 1.662 22
8 0.724 0.863 1.048 1.138 1.170 1.761 1.689 1.639 23
9 0.860 1.057 1.146 1.176 1.798 1.722 1.668 1.631 24
10 1.066 1.155 1.183 1.837 1.757 1.702 1.663 1.606 25
11 1.143 1.167 1.835 1.750 1.690 1.646 1.585 1.536 26
12 1.148 1.828 1.738 1.672 1.623 1.558 1.505 1.441 27
13 1.795 1.727 1.654 1.599 1.528 1.470 1.401 1.425 28
14 1.703 1.652 1.592 1.517 1.455 1.382 1.401 1.419 29
15 1.642 1.587 1.519 1.451 1.372 1.386 1.397 1.425 30
16 1.584 1.537 1.450 1.380 1.390 1.397 1.421 1.432 31
17 1.533 1.480 1.406 1.413 1.417 1.438 1.446 1.413 32
18 1.465 1.438 1.363 1.392 1.424 1.443 1.429 1.403 33
19 1.392 1.379 1.330 1.390 1.423 1.444 1.439 1.435 34
20 1.313 1.338 1.306 1.366 1.389 1.430 1.456 1.457 35
21 1.459 1.546 1.509 1.518 1.528 1.540 1.551 1.524 36
22 1.377 1.468 1.458 1.468 1.508 1.545 1.585 1.597 37
23 1.303 1.398 1.423 1.454 1.523 1.595 1.651 1.717 38
24 1.250 1.354 1.424 1.460 1.564 1.672 1.761 1.851 39
25 1.250 1.366 1.453 1.537 1.675 1.815 1.917 2.040 40
26 1.307 1.438 1.547 1.680 1.829 1.993 2.138 2.271 41
27 1.408 1.563 1.696 1.849 2.020 2.216 2.387 2.524 42
28 1.545 1.727 1.869 2.034 2.228 2.452 2.638 2.808 43
29 1.732 1.954 2.106 2.279 2.488 2.712 2.918 3.124 44
30 1.935 2.174 2.349 2.540 2.753 2.993 3.224 3.488 45
31 2.125 2.389 2.585 2.796 3.029 3.300 3.569 3.861 46
32 2.323 2.617 2.834 3.077 3.342 3.653 3.950 4.295 47
33 2.522 2.845 3.096 3.372 3.699 4.049 4.400 4.800 48
34 2.692 3.024 3.325 3.659 4.045 4.469 4.888 5.400 49
35 2.952 3.303 3.653 4.026 4.474 4.970 5.462 6.060 50
36 3.279 3.671 4.046 4.465 4.979 5.551 6.100 6.723 51
37 3.663 4.074 4.485 4.952 5.523 6.155 6.771 7.368 52
38 4.069 4.525 4.962 5.477 6.079 6.772 7.474 8.080 53
39 4.525 5.014 5.490 6.026 6.670 7.423 8.227 8.878 54
40 5.007 5.567 6.053 6.611 7.296 8.114 9.037 9.821 55
41 5.530 6.133 6.654 7.254 7.985 8.884 9.917 10.915 56
42 6.067 6.727 7.303 7.972 8.766 9.737 10.880 12.105 57
43 6.573 7.336 7.996 8.764 9.644 10.687 11.925 13.354 58
44 7.071 7.955 8.742 9.622 10.610 11.741 13.060 14.617 59
45 7.616 8.629 9.545 10.550 11.662 12.899 14.272 15.895 60
46 8.261 9.362 10.398 11.534 12.800 14.117 15.589 17.284 61
47 9.072 10.204 11.331 12.595 13.969 15.433 17.060 18.820 62
48 10.017 11.152 12.344 13.680 15.198 16.855 18.671 20.590 63
49 11.033 12.204 13.405 14.828 16.517 18.383 20.426 22.560 64
50 12.073 13.273 14.510 16.056 17.913 19.998 22.289 24.662 65
51 13.085 14.364 15.727 17.445 19.530 21.920 24.552 27.297 66
52 14.063 15.473 17.034 19.007 21.409 24.184 27.264 30.507 67
53 15.013 16.545 18.330 20.545 23.214 26.280 29.753 33.415 68
54 15.918 17.620 19.692 22.264 25.276 28.743 32.683 36.808 69
55 16.837 18.708 21.063 23.947 27.280 31.056 35.428 39.852 70
56 17.760 19.836 22.499 25.730 29.389 33.552 38.403 43.441 71
57 18.716 21.039 23.970 27.469 31.438 35.944 41.164 46.835 72
58 19.795 22.345 25.502 29.290 33.615 38.510 44.206 50.318 73
59 21.092 23.751 27.191 31.338 36.145 41.677 48.022 54.813 74
60 22.548 25.282 28.927 33.337 38.584 44.648 51.563 59.206 75
61 24.131 26.940 30.855 35.673 41.483 48.283 56.213 64.834 76
62 25.810 28.730 32.881 38.013 44.308 51.923 60.517 70.010 77
63 27.466 30.569 35.059 40.676 47.843 56.285 65.801 76.576 78
64 29.166 32.470 37.353 43.704 51.607 60.931 71.403 83.487 79
65 31.080 34.635 40.114 47.056 55.707 65.917 77.360 90.554 80
66 33.384 37.394 43.340 50.885 60.239 71.262 83.700 97.583 81
67 36.419 40.767 47.213 55.301 65.267 77.045 90.410 105.077 82
68 40.189 44.915 51.856 60.391 70.875 83.250 97.482 112.908 83
69 44.674 49.794 57.209 66.141 76.983 89.825 104.871 121.671 84
70 49.766 55.283 63.212 72.430 83.528 96.735 112.533 131.132 85
71 53.292 59.185 67.780 77.767 89.788 104.068 121.170 141.277 86
72 57.063 63.311 72.794 83.824 97.067 112.831 131.679 153.856 87
73 60.949 67.561 78.000 90.112 104.675 121.968 142.679 168.317 88
74 64.001 70.890 81.945 94.792 110.215 128.533 151.583 178.948 89
75 65.953 72.966 84.481 97.835 113.852 133.886 158.028 186.739 90
76 67.113 74.190 85.806 99.271 116.293 136.651 161.222 190.393 91
77 68.179 75.288 86.992 101.311 118.592 139.293 164.236 193.844 92
78 70.602 77.888 90.594 105.424 123.355 144.796 170.628 203.026 93
79 74.769 83.033 96.504 112.254 131.263 153.994 182.942 217.661 94
80 79.356 88.059 102.302 118.923 138.984 164.377 195.262 232.278 95
DOMINION LIFE
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
MEDICAL PROJECTED
MALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
------ ------ ------ ------ ------ ------ ------ ------
0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297
1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271
2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252
3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249
4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253
5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274
6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354
7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445
8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586
9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719
10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852
11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 0.903
12 0.288 0.368 0.457 0.590 0.725 0.824 0.869 0.962
13 0.371 0.458 0.589 0.710 0.843 0.839 0.925 0.966
14 0.459 0.588 0.707 0.825 0.848 0.895 0.931 0.977
15 0.589 0.707 0.814 0.811 0.882 0.894 0.951 0.935
16 0.714 0.820 0.783 0.828 0.873 0.913 0.911 0.904
17 0.821 0.784 0.804 0.823 0.912 0.872 0.871 0.871
18 0.738 0.774 0.793 0.853 0.880 0.827 0.825 0.828
19 0.706 0.750 0.807 0.809 0.822 0.770 0.772 0.773
20 0.658 0.745 0.763 0.759 0.762 0.701 0.716 0.722
21 0.615 0.689 0.725 0.728 0.736 0.688 0.735 0.767
22 0.546 0.618 0.660 0.662 0.668 0.645 0.674 0.712
23 0.492 0.553 0.598 0.599 0.617 0.597 0.631 0.677
24 0.433 0.490 0.531 0.551 0.569 0.563 0.598 0.646
25 0.394 0.440 0.491 0.511 0.548 0.552 0.589 0.640
26 0.371 0.421 0.466 0.497 0.549 0.563 0.605 0.663
27 0.370 0.409 0.459 0.505 0.561 0.585 0.642 0.710
28 0.378 0.421 0.473 0.523 0.583 0.621 0.687 0.772
29 0.402 0.447 0.497 0.552 0.627 0.674 0.757 0.859
30 0.428 0.477 0.532 0.587 0.672 0.733 0.824 0.949
31 0.446 0.505 0.559 0.628 0.715 0.786 0.900 1.033
32 0.460 0.525 0.592 0.663 0.762 0.845 0.979 1.128
33 0.462 0.539 0.614 0.701 0.820 0.914 1.063 1.228
34 0.452 0.541 0.630 0.734 0.868 0.973 1.134 1.315
35 0.458 0.563 0.670 0.798 0.942 1.065 1.240 1.442
36 0.471 0.601 0.734 0.877 1.052 1.186 1.390 1.609
37 0.503 0.652 0.807 0.978 1.175 1.326 1.547 1.797
38 0.547 0.719 0.907 1.098 1.318 1.481 1.725 2.010
39 0.602 0.813 1.021 1.232 1.469 1.655 1.927 2.229
40 0.671 0.914 1.148 1.386 1.640 1.840 2.136 2.469
41 0.742 1.017 1.289 1.547 1.829 2.039 2.353 2.718
42 0.813 1.127 1.426 1.714 2.019 2.244 2.590 2.989
43 0.886 1.232 1.567 1.875 2.210 2.458 2.830 3.255
44 0.959 1.340 1.703 2.043 2.403 2.674 3.071 3.517
45 1.040 1.451 1.846 2.225 2.617 2.905 3.328 3.794
46 1.119 1.562 1.996 2.422 2.858 3.162 3.612 4.116
47 1.197 1.692 2.173 2.639 3.134 3.460 3.941 4.487
48 1.277 1.837 2.371 2.885 3.450 3.819 4.344 4.938
49 1.363 1.990 2.585 3.158 3.798 4.221 4.811 5.463
50 1.447 2.160 2.815 3.449 4.157 4.642 5.307 6.022
51 1.536 2.334 3.063 3.752 4.518 5.066 5.799 6.581
52 1.629 2.520 3.315 4.056 4.869 5.461 6.259 7.080
53 1.728 2.705 3.564 4.345 5.204 5.814 6.637 7.517
54 1.838 2.893 3.811 4.632 5.528 6.118 6.972 7.925
55 1.953 3.098 4.080 4.937 5.840 6.431 7.319 8.322
56 2.092 3.325 4.381 5.264 6.180 6.778 7.704 8.766
57 2.260 3.596 4.717 5.643 6.573 7.194 8.172 9.276
58 2.459 3.911 5.122 6.103 7.067 7.726 8.747 9.885
59 2.687 4.278 5.597 6.637 7.674 8.364 9.426 10.581
60 2.943 4.688 6.115 7.227 8.363 9.072 10.171 11.354
61 3.243 5.119 6.652 7.855 9.081 9.810 10.955 12.173
62 3.576 5.552 7.181 8.501 9.781 10.550 11.741 13.032
63 3.943 6.043 7.759 9.149 10.460 11.241 12.492 13.868
64 4.346 6.615 8.400 9.800 11.126 11.921 13.227 14.683
65 4.783 7.199 9.057 10.435 11.813 12.634 14.002 15.594
66 5.243 7.747 9.651 11.055 12.527 13.409 14.913 16.684
67 5.741 8.196 10.128 11.652 13.277 14.306 16.009 18.035
68 6.261 8.572 10.518 12.208 14.079 15.346 17.367 19.828
69 6 812 8.926 10.868 12.748 14.924 16.536 19.068 21.972
70 7.386 9.234 11.185 13.256 15.802 17.926 20.992 24.420
71 7.922 9.901 11.979 14.180 16.971 19.234 22.516 26.172
72 8.495 10.603 12.814 15.234 18.214 20.635 24.137 28.031
73 9.085 11.329 13.749 16.327 19.513 22.088 25.810 29.967
74 9.551 11.958 14.494 17.206 20.550 23.242 27.151 31.497
75 9.900 12.381 15.004 17.799 21.237 24.010 28.026 32.484
76 10.135 12.670 15.343 18.185 21.690 24.504 28.576 33.092
77 10.363 12.945 15.663 18.558 22.115 24.962 29.086 33.647
78 10.804 13.485 16.310 19.308 22.989 25.926 30.177 34.879
79 11.521 14.375 17.372 20.546 24.442 27.536 32.024 36.974
80 1_.__7 15.242 18.404 21.749 25.845 29.091 33.796 38.983
[x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------ ------- ------- -------
0 0.278 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15
1 0.258 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16
2 0.253 0.261 0.283 0.365 0.459 0.600 0.735 0.873 17
3 0.257 0.282 0.363 0.456 0.595 0.728 0.864 0.955 18
4 0.278 0.363 0.454 0.592 0.723 0.857 0.946 1.035 19
5 0.358 0.455 0.591 0.721 0.853 0.940 1.027 1.062 20
6 0.450 0.593 0.722 0.852 0.938 1.023 1.056 1.237 21
7 0.588 0.725 0.854 0.938 1.022 1.053 1.209 1.205 22
8 0.724 0.863 0.946 1.027 1.056 1.187 1.181 1.188 23
9 0.860 0.954 1.035 1.062 1.169 1.161 1.167 1.183 24
10 0.935 1.042 1.068 1.151 1.142 1.147 1.162 1.164 25
11 1.002 1.053 1.109 1.097 1.098 1.110 1.108 1.114 26
12 1.007 1.064 1.050 1.048 1.055 1.050 1.053 1.045 27
13 1.016 1.005 0.999 1.002 0.993 0.991 0.980 1.033 28
14 0.963 0.962 0.962 0.951 0.945 0.931 0.979 1.029 29
15 0.929 0.924 0.918 0.909 0.892 0.934 0.977 1.033 30
16 0.896 0.895 0.876 0.865 0.903 0.942 0.993 1.039 31
17 0.867 0.862 0.849 0.885 0.921 0.969 1.011 1.024 32
18 0.828 0.837 0.823 0.872 0.926 0.973 0.999 1.018 33
19 0.788 0.803 0.803 0.871 0.925 0.974 1.006 1.040 34
20 0.743 0.779 0.789 0.856 0.903 0.964 1.018 1.056 35
21 0.825 0.900 0.912 0.951 0.993 1.039 1.084 1.105 36
22 0.779 0.854 0.881 0.920 0.980 1.042 1.108 1.158 37
23 0.737 0.814 0.859 0.911 0.990 1.076 1.154 1.245 38
24 0.707 0.788 0.860 0.915 1.017 1.128 1.231 1.342 39
25 0.707 0.795 0.878 0.963 1.089 1.224 1.340 1.480 40
26 0.739 0.837 0.935 1.052 1.189 1.343 1.495 1.647 41
27 0.797 0.910 1.024 1.159 1.313 1.494 1.669 1.830 42
28 0.874 1.005 1.129 1.275 1.448 1.653 1.845 2.036 43
29 0.980 1.137 1.272 1.428 1.617 1.829 2.041 2.265 44
30 1.095 1.266 1.419 1.592 1.789 2.018 2.254 2.530 45
31 1.202 1.391 1.561 1.752 1.969 2.225 2.496 2.800 46
32 1.314 1.524 1.712 1.929 2.173 2.463 2.762 3.115 47
33 1.427 1.656 1.870 2.113 2.405 2.730 3.077 3.481 48
34 1.523 1.761 2.008 2.293 2.629 3.013 3.418 3.916 49
35 1.670 1.923 2.207 2.523 2.908 3.351 3.819 4.395 50
36 1.855 2.137 2.444 2.798 3.237 3.743 4.265 4.875 51
37 2.072 2.372 2.710 3.103 3.591 4.150 4.735 5.343 52
38 2.302 2.635 2.998 3.432 3.952 4.566 5.227 5.860 53
39 2.560 2.919 3.316 3.776 4.336 5.005 5.753 6.438 54
40 2.833 3.241 3.657 4.143 4.743 5.471 6.319 7.123 55
41 3.129 3.571 4.019 4.546 5.191 5.990 6.935 7.915 56
42 3.433 3.917 4.412 4.996 5.699 6.565 7.608 8.779 57
43 3.719 4.271 4.830 5.493 6.269 7.206 8.339 9.685 58
44 4.001 4.632 5.281 6.030 6.897 7.917 9.133 10.600 59
45 4.309 5.024 5.766 6.612 7.582 8.698 9.980 11.527 60
46 4.674 5.451 6.281 7.229 8.321 9.518 10.902 12.535 61
47 5.133 5.941 6.845 7.894 9.081 10.406 11.930 13.649 62
48 5.667 6.493 7.457 8.573 9.880 11.365 13.057 14.932 63
49 6.242 7.106 8.098 9.293 10.737 12.395 14.284 16.361 64
50 6.831 7.728 8.766 10.063 11.645 13.484 15.586 17.885 65
51 7.404 8.363 9.501 10.933 12.696 14.780 17.169 19.796 66
52 7.957 9.009 10.291 11.912 13.918 16.306 19.066 22.125 67
53 8.495 9.633 11.073 12.876 15.092 17.720 20.806 24.233 68
54 9.006 10.259 11.897 13.954 16.432 19.381 22.855 26.694 69
55 9.526 10.892 12.725 15.009 17.735 20.940 24.775 28.901 70
56 10.049 11.550 13.592 16.126 19.106 22.624 26.855 31.504 71
57 10.590 12.250 14.481 17.215 20.438 24.236 28.786 33.966 72
58 11.200 13.010 15.406 18.357 21.853 25.966 30.914 36.492 73
59 11.934 13.829 16.426 19.640 23.498 28.102 33.582 39.752 74
60 12.758 14.721 17.475 20.893 25.084 30.105 36.058 42.937 75
61 13.654 15.686 18.640 22.357 26.968 32.556 39.310 47.019 76
62 14.604 16.728 19.864 23.824 28.804 35.010 42.320 50.772 77
63 15.541 17.799 21.180 25.493 31.103 37.951 46.015 55.535 78
64 16.503 18.906 22.566 27.391 33.550 41.084 49.932 60.547 79
65 17.585 20.166 24.234 29.492 36.215 44.446 54.098 65.672 80
66 18.889 21.773 26.183 31.891 39.162 48.050 58.531 70.770 81
67 20.606 23.737 28.523 34.659 42.430 51.950 63.224 76.204 82
68 22.739 26.152 31.328 37.849 46.076 56.134 68.170 81.883 83
69 25.277 28.993 34.562 41.453 50.047 60.567 73.337 88.239 84
70 28.158 32.189 38.188 45.394 54.302 65.226 78.695 95.100 85
71 30.153 34.460 40.948 48.739 58.372 70.171 84.734 102.458 86
72 32.287 36.863 43.977 52.535 63.104 76.080 92.084 111.580 87
73 34.486 39.338 47.122 56.476 68.050 82.241 99.776 122.067 88
74 36.213 41.276 49.505 59.409 71.651 86.667 106.002 129.777 89
75 37.317 42.485 51.038 61.317 74.016 90.277 110.510 135.428 90
76 37.974 43.198 51.838 62.216 75.603 92.141 112.743 138.077 91
77 38.577 43.837 52.555 63.495 77.097 93.923 114.851 140.580 92
78 39.948 45.351 54.731 66.073 80.193 97.633 119.321 147.239 93
79 42.306 48.347 58.301 70.354 85.335 103.835 127.932 157.853 94
80 44.901 51.273 61.804 74.533 90.354 110.836 136.548 168.454 95
DOMINION LIFE
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
MEDICAL PROJECTED
FEMALE PREFERRED NONSMOKER
[x] [x]+l [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 5.1ll
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 _____ _____ _____ ______ ______ 16.747 20.128 24.027
[x]+8 [x]+9 [x]+10 [x]+ll [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 83.11O 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 28.450 33.364 41.980 52.602 66.032 82.895 104.244 131.019 95
DOMINION LIFE
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
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 __.___ __.___ __.___ __.___ __.___ __.___ 34.093 39.514
[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 45.816 52.419 64.095 78.023 95.119 115.929 141.485 172.515 95
DOMINION LIFE
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
MEDICAL PROJECTED
FEMALE SMOKER
[x] [x]+l [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 0.478
12 0.134 0.171 0.212 0.273 0.335 0.380 0.483 0.518
13 0.171 0.212 0.273 0.330 0.393 0.488 0.524 0.532
14 0.212 0.273 0.330 0.387 0.500 0.529 0.537 0.887
15 0.269 0.326 0.379 0.474 0.524 0.534 0.896 0.867
16 0.326 0.379 0.456 0.487 0.524 0.889 0.875 0.854
17 0.383 0.435 0.478 0.496 0.901 0.873 0.858 0.844
18 0.391 0.439 0.481 0.845 0.893 0.848 0.832 0.825
19 0.381 0.434 0.805 0.821 0.851 0.805 0.797 0.789
20 0.362 0.708 0.780 0.787 0.806 0.752 0.760 0.754
21 0.588 0.700 0.777 0.780 0.794 0.742 0.767 0.784
22 0.571 0.685 0.772 0.775 0.789 0.756 0.775 0.795
23 0.568 0.676 0.774 0.777 0.803 0.781 0.802 0.835
24 0.555 0.665 0.764 0.790 0.829 0.818 0.842 0.886
25 0.548 0.651 0.764 0.803 0.867 0.868 0.903 0.958
26 0.532 0.636 0.751 0.802 0.890 0.912 0.957 1.022
27 0.544 0.642 0.761 0.837 0.939 0.982 1.049 1.124
28 0.569 0.670 0.794 0.882 0.996 1.059 1.136 1.243
29 0.604 0.711 0.838 0.937 1.074 1.147 1.256 1.386
30 0.652 0.773 0.914 1.013 1.165 1.268 1.389 1.556
31 0.689 0.832 0.975 1.094 1.257 1.381 1.535 1.711
32 0.712 0.863 1.027 1.152 1.336 1.479 1.662 1.865
33 0.714 0.881 1.061 1.216 1.433 1.590 1.800 2.019
34 0.704 0.894 1.103 1.286 1.532 1.714 1.938 2.182
35 0.713 0.931 1.172 1.394 1.662 1.871 2.113 2.380
36 0.722 0.977 1.259 1.510 1.821 2.044 2.320 2.605
37 0.758 1.040 1.363 1.652 1.996 2.239 2.533 2.854
38 0.825 1.151 1.532 1.854 2.234 2.497 2.822 3.179
39 0.910 1.301 1.724 2.076 2.487 2.789 3.140 3.515
40 0.996 1.435 1.898 2.288 2.723 3.031 3.404 3.813
41 1.078 1.561 2.088 2.504 2.967 3.283 3.670 4.108
42 1.180 1.729 2.308 2.763 3.265 3.608 4.031 4.507
43 1.258 1.851 2.476 2.954 3.497 3.866 4.309 4.816
44 1.334 1.967 2.629 3.149 3.718 4.112 4.587 5.102
45 1.412 2.079 2.786 3.352 3.957 4.379 4.871 5.394
46 1.482 2.187 2.944 3.565 4.236 4.670 5.180 5.738
47 1.550 2.314 3.130 3.805 4.548 5.004 5.538 6.137
48 1.613 2.452 3.344 4.070 4.901 5.411 5.986 6.618
49 1.681 2.600 3.566 4.359 5.282 5.860 6.493 7.175
50 1.745 2.759 3.797 4.659 5.663 6.308 7.016 7.753
51 1.853 2.983 4.137 5.079 6.165 6.901 7.690 8.490
52 1.966 3.225 4.489 5.500 6.660 7.463 8.316 9.137
53 2.088 3.469 4.834 5.907 7.140 7.961 8.821 9.694
54 2.227 3.716 5.181 6.315 7.598 8.380 9.262 10.226
55 2.370 3.989 5.564 6.745 8.031 8.803 9.726 10.737
56 2.544 4.295 5.985 7.195 8.494 9.282 10.237 11.299
57 2.757 4.654 6.447 7.707 9.038 9.850 10.849 11.951
58 3.006 5.064 6.997 8.339 9.716 10.570 11.608 12.738
59 3.286 5.536 7.648 9.068 10.540 11.437 12.510 13.636
60 3.597 6.069 8.355 9.866 11.481 12.408 13.500 14.625
61 3.965 6.626 9.081 10.719 12.470 13.417 14.533 15.681
62 4.372 7.180 9.799 11.602 13.431 14.422 15.578 16.783
63 4.816 7.812 10.589 12.487 14.357 15.368 16.569 17.836
64 5.306 8.553 11.464 13.369 15.273 16.294 17.522 18.858
65 5.841 9.308 12.355 14.236 16.211 17.246 18.523 19.978
66 6.403 10.012 13.167 15.077 17.169 18.279 19.677 21.310
67 7.007 10.593 13.814 15.871 18.172 19.451 21.060 22.946
68 7.642 11.075 14.327 16.606 19.220 20.804 22.758 25.142
69 8.313 11.519 14.783 17.296 20.313 22.330 24.904 27.772
70 9.001 11.899 15.175 17.931 21.425 24.125 27.329 30.747
71 9.641 12.727 16.204 19.108 22.931 25.802 29.198 32.830
72 10.312 13.588 17.267 20.457 24.533 27.574 31.184 35.037
73 10.995 14.462 18.463 21.855 26.180 29.406 33.228 37.309
74 11.515 15.214 19.402 22.942 27.468 30.833 34.816 39.051
75 11.895 15.701 20.007 23.644 28.286 31.726 35.789 40.119
76 12.139 16.006 20.382 24.073 28.775 32.244 36.351 40.717
77 12.364 16.291 20.734 24.469 29.218 32.720 36.860 41.248
78 12.841 16.911 21.506 25.353 30.255 33.856 38.103 42.608
79 13.645 17.956 22.810 26.874 32.046 35.827 40.292 45.020
80 ______ ______ ______ 38.338 33.762 37.717 42.384 47.324
[x]+8 [x]+9 [x]+10 [x]+ll [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 0.441 18
4 0.134 0.171 0.209 0.267 0.320 0.372 0.446 0.478 19
5 0.170 0.212 0.270 0.323 0.375 0.450 0.483 0.491 20
6 0.211 0.273 0.327 0.379 0.455 0.488 0.496 0.739 21
7 0.272 0.330 0.383 0.459 0.493 0.501 0.760 0.722 22
8 0.328 0.387 0.464 0.498 0.506 0.781 0.743 0.712 23
9 0.385 0.469 0.503 0.511 0.803 0.763 0.732 0.708 24
10 0.473 0.508 0.516 0.824 0.784 0.752 0.728 0.698 25
11 0.513 0.521 0.847 0.806 0.773 0.749 0.718 0.695 26
12 0.527 0.869 0.827 0.794 0.769 0.738 0.714 0.680 27
13 0.878 0.849 0.816 0.790 0.758 0.734 0.699 0.720 28
14 0.858 0.837 0.811 0.779 0.754 0.719 0.740 0.755 29
15 0.846 0.826 0.800 0.775 0.738 0.760 0.776 0.800 30
16 0.834 0.821 0.788 0.758 0.781 0.798 0.822 0.845 31
17 0.830 0.816 0.784 0.807 0.823 0.847 0.870 0.868 32
18 0.818 0.813 0.790 0.821 0.853 0.883 0.895 0.898 33
19 0.791 0.804 0.789 0.837 0.876 0.910 0.927 0.940 34
20 0.774 0.804 0.798 0.854 0.890 0.937 0.972 0.995 35
21 0.821 0.870 0.880 0.921 0.964 1.009 1.063 1.096 36
22 0.845 0.905 0.930 0.968 1.025 1.091 1.165 1.224 37
23 0.887 0.957 0.996 1.036 1.112 1.195 1.268 1.354 38
24 0.949 1.031 1.095 1.140 1.240 1.346 1.437 1.539 39
25 1.033 1.127 1.208 1.288 1.413 1.540 1.640 1.756 40
26 1.106 1.220 1.319 1.435 1.564 1.711 1.838 1.954 41
27 1.231 1.370 1.484 1.612 1.761 1.924 2.063 2.167 42
28 1.373 1.536 1.654 1.796 1.956 2.138 2.280 2.408 43
29 1.540 1.738 1.869 2.012 2.182 2.360 2.520 2.677 44
30 1.744 1.965 2.108 2.262 2.427 2.614 2.789 2.978 45
31 1.942 2.183 2.340 2.503 2.682 2.891 3.081 3.286 46
32 2.112 2.379 2.542 2.726 2.923 3.142 3.343 3.578 47
33 2.280 2.566 2.760 2.972 3.211 3.464 3.712 3.992 48
34 2.451 2.751 2.985 3.231 3.515 3.826 4.120 4.480 49
35 2.678 2.994 3.249 3.515 3.837 4.187 4.516 4.933 50
36 2.919 3.255 3.521 3.818 4.181 4.575 4.949 5.366 51
37 3.187 3.534 3.823 4.144 4.537 4.977 5.386 5.764 52
38 3.530 3.918 4.207 4.544 4.949 5.405 5.847 6.198 53
39 3.918 4.333 4.644 5.003 5.432 5.928 6.444 6.825 54
40 4.245 4.709 5.026 5.384 5.827 6.356 6.947 7.402 55
41 4.588 5.093 5.437 5.832 6.320 6.927 7.609 8.245 56
42 5.038 5.588 5.971 6.418 6.954 7.604 8.368 9.173 57
43 5.353 5.978 6.437 6.977 7.584 8.308 9.167 10.139 58
44 5.647 6.361 6.935 7.567 8.276 9.091 10.024 11.102 59
45 5.965 6.775 7.454 8.201 9.030 9.936 10.919 12.066 60
46 6.351 7.209 7.997 8.867 9.824 10.800 11.877 13.125 61
47 6.837 7.708 8.555 9.494 10.495 11.545 12.721 13.980 62
48 7.402 8.267 9.135 10.089 11.161 12.336 13.613 14.942 63
49 7.997 8.863 9.702 10.685 11.861 13.149 14.542 15.992 64
50 8.569 9.424 10.296 11.398 12.715 14.182 15.800 17.485 65
51 9.291 10.193 11.135 12.319 13.744 15.381 17.187 19.061 66
52 9.979 10.983 11.998 13.275 14.834 16.634 18.615 20.666 67
53 10.657 11.744 12.867 14.271 15.968 17.899 20.057 22.310 68
54 11.298 12.496 13.748 15.314 17.131 19.189 21.510 23.876 69
55 11.940 13.261 14.671 16.391 18.345 20.537 23.035 25.458 70
56 12.589 14.064 15.632 17.515 19.622 21.971 24.647 27.334 71
57 13.269 14.917 16.645 18.701 20.984 23.506 26.384 29.395 72
58 14.036 15.835 17.711 19.936 22.408 25.150 28.261 31.486 73
59 14.948 16.833 18.831 21.197 23.889 26.894 30.257 33.704 74
60 15.981 17.914 20.008 22.519 25.436 28.725 32.362 36.282 75
61 17.098 19.064 21.342 24.103 27.385 31.131 35.435 39.984 76
62 18.264 20.303 22.773 25.805 29.471 33.874 38.748 43.986 77
63 19.410 21.547 24.333 27.790 32.206 37.355 43.045 49.404 78
64 20.558 22.818 25.859 29.836 34.766 40.497 46.846 54.103 79
65 21.841 24.246 27.818 32.344 37.937 44.496 51.787 60.105 80
66 23.370 26.089 29.997 34.928 41.023 48.169 56.145 64.960 81
67 25.408 28.351 32.716 38.187 44.921 52.830 61.751 71.506 82
68 27.948 31.114 35.844 41.655 48.757 57.104 66.683 77.027 83
69 30.947 34.365 39.599 45.872 53.462 62.451 72.975 84.720 84
70 34.346 38.018 43.796 50.493 58.552 68.136 79.599 93.100 85
71 36.649 40.541 46.994 54.498 63.515 74.229 87.063 102.194 86
72 39.088 43.188 50.576 59.171 69.474 81.744 96.444 113.794 87
73 41.577 45.909 54.308 64.061 75.765 89.691 106.400 127.195 88
74 43.490 47.990 57.113 67.723 80.449 95.593 114.699 137.536 89
75 44.648 49.215 58.945 70.255 83.801 100.763 121.308 145.871 90
76 45.268 49.864 59.675 71.070 85.424 102.676 123.563 148.509 91
77 45.824 50.438 60.317 72.383 86.970 104.494 125.689 151.002 92
78 47.299 52.023 62.687 75.199 90.319 108.465 130.410 158.064 93
79 49.939 55.346 66.667 79.943 95.970 115.203 139.741 169.376 94
80 52.895 58.600 70.560 84.570 101.482 122.900 149.080 180.661 95
DOMINION LIFE
EXPECTED MORTALITY ASSUMPTIONS (l000qx)
MEDICAL PROJECTED
FEMALE PREFERRED SMOKER
[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 0.408
12 0.134 0.171 0.212 0.273 0.335 0.380 0.400 0.442
13 0.171 0.212 0.273 0.330 0.393 0.392 0.434 0.454
14 0.212 0.273 0.330 0.387 0.400 0.425 0.445 0.488
15 0.269 0.326 0.379 0.381 0.419 0.429 0.478 0.477
16 0.326 0.379 0.367 0.392 0.419 0.461 0.467 0.470
17 0.383 0.370 0.385 0.399 0.465 0.452 0.458 0.464
18 0.351 0.373 0.388 0.439 0.461 0.439 0.444 0.454
19 0.343 0.369 0.418 0.426 0.439 0.417 0.425 0.434
20 0.326 0.388 0.405 0.408 0.416 0.390 0.406 0.415
21 0.341 0.384 0.403 0.405 0.410 0.385 0.409 0.431
22 0.331 0.375 0.401 0.402 0.407 0.392 0.414 0.437
23 0.330 0.371 0.402 0.404 0.414 0.405 0.428 0.459
24 0.322 0.364 0.397 0.410 0.428 0.424 0.449 0.487
25 0.318 0.357 0.397 0.417 0.447 0.450 0.482 0.527
26 0.309 0.348 0.390 0.416 0.459 0.473 0.511 0.562
27 0.316 0.352 0.395 0.435 0.485 0.509 0.560 0.618
28 0.330 0.367 0.412 0.458 0.514 0.549 0.606 0.684
29 0.351 0.390 0.435 0.486 0.555 0.594 0.670 0.763
30 0.378 0.424 0.475 0.526 0.601 0.657 0.742 0.856
31 0.400 0.456 0.506 0.568 0.649 0.716 0.820 0.941
32 0.413 0.473 0.533 0.598 0.690 0.766 0.887 1.026
33 0.414 0.483 0.551 0.632 0.739 0.824 0.961 1.1ll
34 0.408 0.490 0.573 0.668 0.791 0.888 1.035 1.200
35 0.414 0.510 0.609 0.724 0.858 0.970 1.129 1.309
36 0.419 0.536 0.654 0.784 0.940 1.060 1.239 1.433
37 0.440 0.570 0.708 0.858 1.030 1.161 1.353 1.570
38 0.479 0.631 0.796 0.963 1.153 1.294 1.507 1.749
39 0.528 0.713 0.895 1.078 1.284 1.446 1.677 1.934
40 0.578 0.786 0.986 1.189 1.406 1.571 1.818 2.098
41 0.626 0.856 1.085 1.301 1.532 1.702 1.960 2.260
42 0.685 0.948 1.199 1.435 1.685 1.870 2.153 2.480
43 0.730 1.015 1.286 1.534 1.805 2.004 2.302 2.650
44 0.774 1.078 1.366 1.636 1.919 2.132 2.450 2.807
45 0.820 1.140 1.447 1.741 2.043 2.270 2.602 2.968
46 0.860 1.199 1.529 1.852 2.187 2.421 2.767 3.157
47 0.900 1.269 1.626 1.977 2.348 2.594 2.958 3.376
48 0.937 1.344 1.737 2.114 2.530 2.805 3.197 3.641
49 0.976 1.426 1.853 2.264 2.727 3.038 3.468 3.948
50 1.013 1.513 1.972 2.420 2.924 3.270 3.748 4.266
51 1.076 1.636 2.149 2.639 3.183 3.577 4.107 4.671
52 1.141 1.768 2.332 2.857 3.438 3.869 4.442 5.027
53 1.212 1.902 2.511 3.068 3.686 4.127 4.712 5.334
54 1.293 2.038 2.691 3.281 3.923 4.344 4.948 5.626
55 1.376 2.187 2.890 3.504 4.146 4.563 5.195 5.907
56 1.477 2.355 3.109 3.738 4.385 4.812 5.468 6.217
57 1.601 2.552 3.349 4.004 4.666 5.106 5.795 6.575
58 1.745 2.777 3.635 4.332 5.016 5.479 6.201 7.008
59 1.908 3.035 3.973 4.711 5.442 5.929 6.683 7.502
60 2.089 3.328 4.340 5.125 5.928 6.432 7.212 8.046
61 2.302 3.633 4.718 5.568 6.438 6.955 7.763 8.627
62 2.538 3.937 5.091 6.027 6.935 7.476 8.322 9.234
63 2.796 4.284 5.501 6.487 7.412 7.967 8.851 9.813
64 3.081 4.690 5.956 6.945 7.886 8.447 9.360 10.376
65 3.391 5.104 6.418 7.396 8.370 8.940 9.895 10.992
66 3.717 5.490 6.840 7.833 8.865 9.476 10.511 11.724
67 4.068 5.809 7.176 8.245 9.382 10.084 11.250 12.625
68 4.437 6.073 7.443 8.627 9.923 10.785 12.157 13.833
69 4.826 6.316 7.680 8.985 10.488 11.576 13.303 15.280
70 5.226 6.525 7.884 9.315 11.062 12.506 14.598 16.917
71 5.598 6.979 8.418 9.927 11.840 13.376 15.597 18.063
72 5.987 7.451 8.970 10.628 12.667 14.294 16.658 19.277
73 6.384 7.931 9.592 11.354 13.517 15.244 17.750 20.527
74 6.686 8.343 10.080 11.919 14.182 15.984 18.598 21.486
75 6.907 8.610 10.394 12.283 14.605 16.447 19.118 22.073
76 7.048 8.777 10.589 12.506 14.857 16.715 19.418 22.402
77 7.179 8.934 10.771 12.712 15.086 16.962 19.690 22.694
78 7.456 9.273 11.172 13.171 15.621 17.551 20.354 23.443
79 7.923 9.846 11.850 13.961 16.546 18.573 21.523 24.770
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 0.398 18
4 0.134 0.171 0.209 0.267 0.320 0.372 0.402 0.432 19
5 0.170 0.212 0.270 0.323 0.375 0.406 0.436 0.443 20
6 0.211 0.273 0.327 0.379 0.410 0.440 0.447 0.536 21
7 0.272 0.330 0.383 0.415 0.445 0.452 0.531 0.524 22
8 0.328 0.387 0.419 0.449 0.456 0.526 0.519 0.516 23
9 0.385 0.423 0.454 0.461 0.522 0.515 0.512 0.514 24
10 0.415 0.459 0.466 0.516 0.510 0.507 0.509 0.506 25
11 0.450 0.470 0.511 0.505 0.502 0.505 0.502 0.504 26
12 0.462 0.506 0.500 0.498 0.500 0.497 0.499 0.493 27
13 0.497 0.494 0.493 0.495 0.493 0.495 0.489 0.522 28
14 0.485 0.487 0.490 0.488 0.490 0.484 0.517 0.547 29
15 0.478 0.480 0.483 0.485 0.480 0.513 0.543 0.580 30
16 0.472 0.478 0.476 0.475 0.508 0.538 0.575 0.613 31
17 0.469 0.475 0.474 0.506 0.535 0.571 0.608 0.630 32
18 0.462 0.473 0.477 0.515 0.554 0.595 0.626 0.651 33
19 0.448 0.468 0.476 0.525 0.569 0.614 0.648 0.682 34
20 0.438 0.468 0.482 0.535 0.578 0.631 0.680 0.722 35
21 0.465 0.506 0.531 0.577 0.627 0.680 0.743 0.795 36
22 0.478 0.527 0.562 0.606 0.667 0.735 0.815 0.888 37
23 0.502 0.557 0.601 0.649 0.723 0.806 0.887 0.982 38
24 0.537 0.600 0.662 0.714 0.806 0.907 1.005 1.116 39
25 0.584 0.656 0.730 0.807 0.919 1.038 1.147 1.274 40
26 0.626 0.710 0.797 0.899 1.017 1.154 1.285 1.417 41
27 0.696 0.797 0.896 1.010 1.144 1.297 1.442 1.571 42
28 0.776 0.894 0.999 1.125 1.271 1.441 1.594 1.746 43
29 0.871 1.012 1.129 1.261 1.418 1.591 1.762 1.942 44
30 0.987 1.144 1.274 1.417 1.577 1.762 1.950 2.160 45
31 1.099 1.271 1.414 1.568 1.744 1.949 2.155 2.383 46
32 1.195 1.385 1.535 1.708 1.900 2.118 2.338 2.595 47
33 1.290 1.494 1.667 1.863 2.087 2.335 2.596 2.895 48
34 1.387 1.602 1.803 2.025 2.285 2.579 2.881 3.249 49
35 1.515 1.743 1.963 2.203 2.494 2.823 3.158 3.578 50
36 1.651 1.895 2.127 2.392 2.718 3.085 3.461 3.891 51
37 1.803 2.058 2.309 2.597 2.950 3.356 3.766 4.180 52
38 1.997 2.281 2.541 2.847 3.217 3.644 4.089 4.495 53
39 2.216 2.523 2.805 3.135 3.532 3.997 4.506 4.950 54
40 2.402 2.742 3.036 3.374 3.788 4.285 4.858 5.368 55
41 2.596 2.965 3.284 3.655 4.108 4.670 5.321 5.980 56
42 2.850 3.254 3.607 4.022 4.521 5.127 5.852 6.652 57
43 3.029 3.481 3.889 4.372 4.930 5.601 6.411 7.353 58
44 3.195 3.704 4.190 4.742 5.380 6.130 7.010 8.051 59
45 3.375 3.944 4.503 5.140 5.870 6.699 7.635 8.750 60
46 3.593 4.197 4.831 5.557 6.387 7.282 8.305 9.519 61
47 3.869 4.488 5.168 5.950 6.823 7.785 8.895 10.138 62
48 4.188 4.813 5.518 6.323 7.256 8.318 9.519 10.836 63
49 4.525 5.160 5.861 6.696 7.711 8.866 10.169 11.598 64
50 4.848 5.487 6.220 7.143 8.266 9.563 11.049 12.680 65
51 5.257 5.935 6.727 7.721 8.935 10.371 12.019 13.823 66
52 5.646 6.395 7.248 8.320 9.643 11.216 13.018 14.987 67
53 6.030 6.838 7.773 8.944 10.380 12.069 14.026 16.180 68
54 6.393 7.275 8.305 9.598 11.137 12.939 15.042 17.316 69
55 6.756 7.721 8.863 10.273 11.926 13.847 16.108 18.463 70
56 7.123 8.189 9.443 10.977 12.756 14.814 17.236 19.823 71
57 7.508 8.685 10.056 11.721 13.642 15.850 18.450 21.318 72
58 7.941 9.220 10.700 12.494 14.568 16.958 19.763 22.834 73
59 8.457 9.801 11.376 13.285 15.530 18.134 21.159 24.443 74
60 9.042 10.430 12.087 14.113 16.536 19.369 22.631 26.313 75
61 9.674 11.100 12.893 15.106 17.803 20.991 24.780 28.997 76
62 10.334 11.821 13.757 16.173 19.159 22.840 27.097 31.900 77
63 10.982 12.546 14.700 17.417 20.937 25.187 30.102 35.829 78
64 11.632 13.286 15.622 18.699 22.601 27.306 32.760 39.236 79
65 12.358 14.117 16.806 20.271 24.663 30.003 36.215 43.590 80
66 13.223 15.190 18.122 21.891 26.669 32.479 39.262 47.111 81
67 14.376 16.507 19.764 23.933 29.203 35.622 43.183 51.857 82
68 15.813 18.116 21.654 26.106 31.697 38.504 46.632 55.861 83
69 17.510 20.009 23.923 28.750 34.755 42.109 51.032 61.441 84
70 19.433 22.136 26.458 31.646 38.065 45.943 55.664 67.518 85
71 20.737 23.605 28.390 34.156 41.292 50.051 60.884 74.113 86
72 22.116 25.146 30.554 37.085 45.165 55.118 67.444 82.526 87
73 23.525 26.731 32.809 40.149 49.255 60.477 74.406 92.245 88
74 24.607 27.942 34.503 42.444 52.300 64.456 80.209 99.744 89
75 25.262 28.656 35.610 44.031 54.480 67.942 84.831 105.789 90
76 25.613 29.034 36.051 44.542 55.535 69.232 86.408 107.702 91
77 25.928 29.368 36.439 45.365 56.540 70.458 87.895 109.510 92
78 26.762 30.290 37.871 47.130 58.717 73.135 91.197 114.632 93
79 28.256 32.225 40.276 50.103 62.391 77.679 97.722 122.835 94
80 __.___ __.___ 42.627 53.003 65.974 82.869 104.252 131.019 95
Amendment No. 19
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to the following:
(1) For all life insurance plans reinsured under the Agreement, where policy
issue dates are on or after January 1, 1992, the following reinsurance
premium rate limit guidelines shall apply.
The reinsurance premium rates stated in the Agreement, shall not apply
whenever any of the following conditions are true:
a. The total inforce and applied for in all companies exceeds
$10,000,000.
b. The total amount reinsured with Security for the subject
life exceeds $10,000,000.
c. The age of the insured is greater than 75.
d. The risk is not Standard.
f. Security Life's facultative offer to Ceding Company states
that the reinsurance premiums for the proposed reinsurance
will be based on facultative reinsurance costs incurred by
Security Life.
For cases where any of the above conditions are true, the reinsurance
premium rates shall be mutually agreed upon.
The effective date of this amendment is January 1, 1992.
THE LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER INSURANCE
OF VIRGINIA COMPANY
By: /s/ Illegible By: /s/ Xxxxxx X. Xxxxxxxx
---------------------------------- -----------------------------------
Title: __ V.P Title: 2nd VP Reinsurance
Date: May 1, 1992 Date: April 15, 1992
Amendment No. 18
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to the following:
(1) Exhibit H, CONDITIONAL RECEIPT LIABILITY, shall be replaced in its entirety
with the following:
If the Ceding Company should become liable for a loss as a result of the
issuance of its Conditional Receipt which is in excess of its maximum
available retention on 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 $1,000,000 less
the Ceding Company's maximum available retention on the risk, subject to
the following exceptions:
a. The Conditional Receipt limit will be $250,000 for issue ages
71-75. No conditional receipts will be allowed beyond age 75.
b. The Conditional Receipt limit will be $500,000 when the
application is taken in the states of:
California, Colorado, Hawaii, North Dakota, Tennessee, Utah,
Kansas, Idaho, Nevada, New Jersey, Pennsylvania and Ohio.
c. The total inforce and applied for is limited to $1,500,000.
d. In the event the case is facultative, any money that may have
been remitted will immediately be returned.
In the event that a court of competent jurisdiction should rule against the
Ceding Company's receipt limit, the maximum amount the Pool shall be liable
for will not exceed the limits as stated above, reduced by any available
retention the Ceding Company has for the risk.
Reinsurance receipt benefits for policies that do not qualify for automatic
reinsurance are available only if the Pool member has made an offer for
reinsurance upon a facultative basis and the Ceding Company has actually
accepted the offer as set forth in Article III, Facultative Reinsurance.
The effective date of this amendment is December 1, 1991.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By: /s/ Illegible By: /s/ Xxxxxx X. Xxxxxxxx
---------------------------------- -----------------------------------
Title: __ V.P. Title: 2nd VP Reinsurance
Date: March 12, 1992 Date: February 25, 1992
Amendment No. 17
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
Between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to the following:
(1) ARTICLE II, AUTOMATIC COVERAGE, Paragraph b, shall be replaced in it's
entirety by the following:
b. That the risk is residing in the in the United States or Canada, is
classified with generally accepted individual underwriting practices,
and is not a Jumbo Risk as defined in Exhibit E.
(2) The third paragraph of ARTICLE XII, CLAIMS, shall be amended to include the
following:
However, the pool member recognizes that circumstances may arise under
which the pool member, 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
situations in which the pool member 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 the same
proportion that the risk carried by the pool member bears to the total
amount of insurance then currently provided on the policy on which the
reinsurance was placed.
The effective date of this amendment is January 1, 1992.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
INSURANCE COMPANY INSURANCE COMPANY
By: /s/ Illegible By: /s/ Xxxxxx X. Xxxxxxxx
---------------------------------- -----------------------------------
Title: __ V. P. Title: 2nd VP - Reinsurance
Date: December 30, 1991 Date: December 19, 1991
Amendment No. 16
to
Reinsurance Agreement
(effective November 11,1985 for facultative reinsurance)
(effective April 1,1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree that, for issues of Ceding Company's LOV Plus 2 (Back End Load
UL - Form No. P1132 1/88) and X/881 (Excess Interest Whole Life - Form No. P1171
1/88) products with issue ages of 76-80 and policy issue dates on or after March
1,1991, the following shall apply:
(1) EXHIBIT B, PLANS REINSURED/REINSURANCE PREMIUM RATES/RECAPTURE PERIOD,
Paragraph 2,shall be amended to include:
POLICY NAME
LOV Plus 2 - Form No. P1132
X/881 - Form No. P1171
The monthly standard reinsurance premiums per $1000 reinsured for issue
ages 76-80 shall be the following percentages of 1/12 of the Mortality
Factors attached to Amendment No. 7.
Year Category Percent
---- -------------------- -------
All Preferred Non-Smoker 122%
All Non-Smoker 125%
All Preferred Smoker 132%
All Smoker 116%
(2) Exhibit D, RETENTION LIMITS, shall be amended to include the following:
Life Insurance
For the LOV Plus 2 (Form No. P1132 1/88) and X/881 (Form No. P1171)
products, the Ceding Company's retention limits shall be the following:
Age Standard through Table 4
----- ------------------------
0-70 $500,000
71-75 $250,000
76-80 $100,000
81+ -0-
(3) Exhibit G, AUTOMATIC BINDING LIMITS, Paragraph A, shall be amended to
include the following:
LIFE
LOV Plus 2 - Form No. P1132
X/881 - ForM No. P1171
Standard - Table 4 ISSUE AGE AMOUNT
--------- ----------
76-80 $1,000,000
(4) For these policies with Issue Ages of 76 - 80, the policies and
supplemental benefits reinsured automatically shall be those on which the
Ceding Company's insured's surname begins with the letters A - Z inclusive.
For these policies and supplemental benefits, Security Life shall
automatically reinsure 25% of the excess over Ceding Company's retention
limits as shown in number (2) above.
The effective date of this amendment is March 1, 1991.
LIFE OF VIRGINIA SECURITY LIFE OF DENVER
INSURANCE COMPANY INSURANCE COMPANY
By: /s/ Illegible By: /s/ Xxxxxx X. Xxxxxxxx
---------------------------------- -----------------------------------
Title: __ V.P. Title: 2nd VP - Reinsurance
Date: December 30, 1991 Date: December 19, 1991
Amendment No. 15
to
Reinsurance Agreement
(effective November 11, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to the following:
1. For all products reinsured under the Agreement, Exhibit E, Jumbo Limits,
shall be amended to read:
The total life insurance in force, known to the Ceding Company, in all
companies plus the amount applied for in all companies on any one life
shall not exceed the following limits:
Issue Age Limits
--------- -----------
0-70 $10,000,000
71-75 $ 5,000,000
Over 75 Automatic Reinsurance not available
2. Exhibit G, AUTOMATIC BINDING LIMITS, shall be amended to include:
The total amount reinsured automatically under this Agreement by the
Pool members, for policies that are not term policies, shall not
exceed the following limits:
Life
Issue Age Amount
--------- ------
(Standard and Substandard)
0-70 $1,500,000 per Pool Member
($7,500,000 Total)
71-75 $750,000 per Pool Member
($3,750,000 Total)
Over 75 Automatic reinsurance not
available
Limits for term policies reinsured by the Pool Members under the
Agreement shall be the previous limits defined in the Agreement.
Signature of two of Ceding Company's senior Underwriting officers is
required for automatic binding on amounts over $5,000,000 for ages
0-70 and on amounts over $2,500,000 for ages 71-75.
The effective date of this Amendment is April 19, 1991.
LIFE OF VIRGINIA SECURITY LIFE OF DENVER
INSURANCE COMPANY INSURANCE COMPANY
By: /s/ Illegible By: /s/ Illegible
---------------------------------- -----------------------------------
Title: __ V.P. Title: 2nd VP. Reinsurance
Date: December 30, 1991 Date: December 19, 1991
Amendment No. 15
to
Reinsurance Agreement
(effective November 11, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to the following:
1. For all products reinsured under the Agreement, Exhibit E, Jumbo Limits,
shall be amended to read:
The total life insurance in force, know to the Ceding Company, in all
companies plus the amount applied for in all companies on any one life
shall not exceed the following limits:
Issue Age Limits
--------- ------
0-70 $10,000,000
71-75 $ 5,000,000
Over 75 Automatic Reinsurance not available
2. Exhibit G, AUTOMATIC BINDING LIMITS, shall be amended to include:
The total amount reinsured automatically under this Agreement by the
Pool members, for policies that are not term policies, shall not
exceed the following limits:
Life
Issue Age Amount
--------- ------
(Standard and Substandard)
0-70 $1,500,000 per Pool Member
($7,500,000 Total)
71-75 $750,000 per Pool Member
($3,750,000 Total)
Over 75 Automatic reinsurance not
available
Limits for term policies reinsured by the Pool Members under the
Agreement shall be the previous limits defined in the Agreement.
Signature of two of Ceding Company's senior Underwriting officers is
required for automatic binding on amounts over $5,000,000 for ages
0-70 and on amounts over $2,500,000 for ages 71-75.
The effective date of this Amendment is April 19, 1991.
LIFE OF VIRGINIA SECURITY LIFE OF DENVER
INSURANCE COMPANY INSURANCE COMPANY
By: By: /s/ Illegible
---------------------------------- -----------------------------------
Title: Title: Second Vice President
-------------------------------
Date: Date: 6/25/91
--------------------------------
Amendment No. 15
to
Reinsurance Agreement
(effective November 11, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to the following:
1. For all products reinsured under the Agreement, Exhibit E, Jumbo Limits,
shall be amended to read:
The total life insurance in force, know to the Ceding Company, in all
companies plus the amount applied for in all companies on any one life
shall not exceed the following limits:
Issue Age Limits
--------- -----------
0-70 $10,000,000
71-75 $ 5,000,000
Over 75 Automatic Reinsurance not available
2. Exhibit G, AUTOMATIC BINDING LIMITS, shall be amended to include:
The total amount reinsured automatically under this Agreement by the
Pool members, for policies that are not term policies, shall not
exceed the following limits:
Life
Issue Age Amount
--------- ------
(Standard and Substandard)
0-70 $1,500,000 per Pool Member
($7,500,000 Total)
71-75 $750,000 per Pool Member
($3,750,000 Total)
Over 75 Automatic reinsurance not
available
Limits for term policies reinsured by the Pool Members under the
Agreement shall be the previous limits defined in the Agreement.
Signature of two of Ceding Company's senior Underwriting officers is
required for automatic binding on amounts over $5,000,000 for ages
0-70 and on amounts over $2,500,000 for ages 71-75.
The effective date of this Amendment is April 19, 1991.
LIFE OF VIRGINIA SECURITY LIFE OF DENVER
INSURANCE COMPANY INSURANCE COMPANY
By: By: /s/ Illegible
---------------------------------- -----------------------------------
Title: Title: Second Vice President
-------------------------------
Date: Date: 6/25/91
--------------------------------
Amendment No. 22
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to reinsure, under the terms and conditions of the Agreement,
issues of Ceding Company's Dominion Life 65 Excess Interest Whole Life product
issued on or after September 1, 1993 and therefore for this product agree to the
following:
1. Exhibit B, PLANS REINSURED/REINSURANCE PREMIUM RATES/RECAPTURE PERIOD,
shall be amended to include:
Dominion Life 65 (Excess Interest Whole Life)
Form No. P1183 8/93
The annual standard reinsurance premiums per $1000 reinsured shall be the
following percentages of the Dominion Life Expected Mortality Assumptions
per $1000 attached to this Amendment No. 22:
------ALL YEARS------
Issue Age PNS SNS PSM SSM
--------- --- --- --- ---
0-40 125% 125% 125% 125%
41-60 117% 105% 115% 105%
61+ 115% 115% 115% 115%
Substandard rates will be at the appropriate multiple of the standard
rates.
2. For these policies, Security Life shall automatically reinsure 20% of the
excess over Ceding Company's Retention Limits as shown in No. 3 below.
3. For these policies the Ceding Company's Retention Limits shall be the
following:
Life Insurance
Ages Standard and Substandard
----- ------------------------
0-70 $500,000
71-75 $250,000
76+ -0-
To avoid ceding minimal amounts of reinsurance, the Ceding Company
shall retain any amount above it's retention that does not exceed
$100,000 for ages 0-70 or $50,000 for ages 71 and over.
4. For these policies the Automatic Binding Limits shall be:
The total amount reinsured automatically under this Agreement by Pool
Members, for policies that are not term policies, shall not exceed the
following limits:
Life
Issue Age Amount
--------- --------------------------
(Standard and Substandard)
0-70 $1,500,000 per Pool Member
($7,500,000 total)
71-75 $750,000 per Pool Member
($3,750,000 total)
Over 75 Automatic reinsurance not
available
5. The effective date of this amendment is September 1, 1993.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By: /s/ Illegible By: /s/ Xxxxxx X Xxxxxxxx
---------------------------------- -----------------------------------
Title: __ V.P. Title: VP Reinsurance
Date: OCT 29, 1993 Date: Oct. 21, 1993
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
MEDICAL PROJECTED
MALE PREFERRED NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
----- ------ ------ ------ ------ ------ ------ ------
0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297
1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271
2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252
3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249
4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253
5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274
6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354
7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445
8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586
9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719
10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852
11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 0.837
12 0.288 0.368 0.457 0.590 0.725 0.824 0.796 0.892
13 0.371 0.458 0.589 0.710 0.843 0.760 0.848 0.895
14 0.459 0.588 0.707 0.825 0.758 0.811 0.853 0.623
15 0.589 0.707 0.814 0.716 0.789 0.810 0.600 0.587
16 0.714 0.820 0.691 0.730 0.780 0.569 0.566 0.560
17 0.821 0.645 0.709 0.726 0.561 0.535 0.533 0.530
18 0.608 0.637 0.699 0.518 0.533 0.500 0.497 0.494
19 0.582 0.617 0.490 0.484 0.490 0.458 0.456 0.453
20 0.542 0.422 0.456 0.447 0.447 0.409 0.415 0.413
21 0.348 0.384 0.427 0.422 0.423 0.394 0.416 0.428
22 0.304 0.340 0.383 0.376 0.377 0.360 0.372 0.385
23 0.270 0.299 0.340 0.334 0.340 0.325 0.338 0.350
24 0.234 0.259 0.296 0.300 0.306 0.298 0.306 0.324
25 0.209 0.229 0.267 0.271 0.286 0.279 0.292 0.314
26 0.193 0.214 0.247 0.256 0.274 0.276 0.294 0.317
27 0.188 0.202 0.236 0.249 0.271 0.281 0.304 0.332
28 0.187 0.202 0.233 0.250 0.276 0.291 0.318 0.360
29 0.193 0.205 0.237 0.258 0.290 0.308 0.349 0.392
30 0.197 0.213 0.249 0.268 0.303 0.334 0.372 0.430
31 0.198 0.220 0.255 0.280 0.321 0.351 0.403 0.460
32 0.201 0.223 0.264 0.294 0.335 0.374 0.431 0.497
33 0.196 0.224 0.272 0.305 0.358 0.398 0.463 0.534
34 0.188 0.224 0.274 0.316 0.373 0.419 0.487 0.565
35 0.189 0.228 0.289 0.338 0.401 0.452 0.527 0.614
36 0.191 0.241 0.311 0.368 0.441 0.498 0.585 0.680
37 0.202 0.258 0.338 0.404 0.486 0.552 0.647 0.752
38 0.216 0.282 0.375 0.449 0.541 0.612 0.714 0.836
39 0.236 0.314 0.417 0.499 0.599 0.677 0.793 0.932
40 0.259 0.349 0.465 0.558 0.662 0.748 0.883 1.037
41 0.283 0.384 0.519 0.616 0.734 0.833 0.977 1.146
42 0.307 0.423 0.568 0.679 0.814 0.921 1.079 1.265
43 0.332 0.458 0.621 0.746 0.895 1.013 1.184 1.386
44 0.356 0.495 0.678 0.816 0.976 1.106 1.293 1.509
45 0.384 0.539 0.737 0.893 1.068 1.209 1.412 1.650
46 0.415 0.582 0.801 0.976 1.173 1.326 1.554 1.811
47 0.446 0.633 0.875 1.070 1.297 1.471 1.714 2.000
48 0.478 0.690 0.961 1.178 1.447 1.642 1.915 2.239
49 0.512 0.753 1.056 1.307 1.611 1.839 2.157 2.521
50 0.547 0.823 1.165 1.444 1.787 2.057 2.422 2.831
51 0.585 0.902 1.282 1.592 1.975 2.285 2.696 3.146
52 0.629 0.985 1.407 1.750 2.167 2.509 2.959 3.467
53 0.675 1.071 1.538 1.909 2.359 2.717 3.214 3.767
54 0.728 1.165 1.674 2.072 2.548 2.928 3.455 4.052
55 0.786 1.270 1.826 2.247 2.758 3.150 3.701 4.341
56 0.857 1.388 1.994 2.454 2.986 3.388 3.974 4.664
57 0.944 1.527 2.199 2.691 3.241 3.667 4.300 5.040
58 1.044 1.701 2.443 2.970 3.555 4.018 4.700 5.484
59 1.169 1.904 2.724 3.295 3.937 4.442 5.171 5.996
60 1.310 2.130 3.036 3.660 4.382 4.919 5.700 6.576
61 1.473 2.372 3.369 4.063 4.858 5.434 6.275 7.213
62 1.657 2.624 3.714 4.489 5.345 5.972 6.880 7.901
63 1.864 2.917 4.097 4.935 5.842 6.510 7.490 8.608
64 2.098 3.260 4.531 5.403 6.358 7.065 8.119 9.336
65 2.357 3.624 4.993 5.886 6.907 7.665 8.805 10.164
66 2.640 3.986 5.444 6.380 7.499 8.334 9.612 11.152
67 2.954 4.315 5.846 6.884 8.141 9.114 10.582 12.373
68 3.296 4.617 6.215 7.389 8.849 10.026 11.782 13.876
69 3.669 4.922 6.578 7.909 9.620 11.088 13.196 15.694
70 4.073 5.216 6.939 8.434 10.454 12.261 14.828 17.809
71 4.475 5.733 7.622 9.260 11.453 13.428 16.238 19.496
72 4.919 6.297 8.363 10.148 12.546 14.708 17.781 21.337
73 5.395 6.905 9.159 11.101 13.722 16.082 19.429 23.320
74 5.821 7.435 9.855 11.944 14.762 17.293 20.895 25.075
75 6.155 7.857 10.415 12.620 15.589 18.262 22.064 26.464
76 6.432 8.209 10.879 13.177 16.277 19.067 23.023 27.606
77 6.714 8.567 11.349 13.747 16.978 19.877 23.995 28.761
78 7.150 9.120 12.082 14.632 18.061 21.139 25.510 30.566
79 7.791 9.938 13.165 15.934 19.663 23.006 27.752 33.238
80 8.15_ 10.781 14.270 17.270 21.304 24.918 30.046 35.973
[x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------ ------- ------- -------
0 0.278 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15
1 0.258 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16
2 0.253 0.261 0.283 0.365 0.459 0.600 0.735 0.873 17
3 0.257 0.282 0.363 0.456 0.596 0.728 0.864 0.904 18
4 0.278 0.363 0.454 0.592 0.723 0.857 0.896 0.980 19
5 0.358 0.455 0.591 0.721 0.853 0.891 0.973 1.006 20
6 0.450 0.593 0.722 0.852 0.888 0.969 1.000 0.757 21
7 0.588 0.725 0.854 0.889 0.968 0.998 0.747 0.726 22
8 0.724 0.863 0.896 0.973 1.001 0.741 0.718 0.705 23
9 0.860 0.904 0.980 1.006 0.737 0.713 0.699 0.691 24
10 0.877 0.987 1.012 0.734 0.709 0.695 0.686 0.666 25
11 0.940 0.998 0.714 0.688 0.672 0.661 0.640 0.626 26
12 0.944 0.694 0.666 0.648 0.636 0.613 0.597 0.573 27
13 0.655 0.645 0.625 0.610 0.586 0.568 0.543 0.553 28
14 0.612 0.609 0.592 0.567 0.548 0.521 0.529 0.534 29
15 0.582 0.575 0.553 0.532 0.505 0.510 0.512 0.513 30
16 0.552 0.546 0.518 0.495 0.498 0.499 0.498 0.500 31
17 0.523 0.516 0.491 0.493 0.493 0.491 0.492 0.483 32
18 0.491 0.490 0.464 0.472 0.473 0.478 0.476 0.467 33
19 0.456 0.457 0.439 0.450 0.459 0.468 0.467 0.467 34
20 0.419 0.431 0.412 0.429 0.439 0.452 0.462 0.472 35
21 0.452 0.476 0.462 0.467 0.470 0.476 0.489 0.484 36
22 0.408 0.438 0.437 0.440 0.454 0.475 0.490 0.503 37
23 0.374 0.409 0.416 0.426 0.456 0.480 0.506 0.532 38
24 0.351 0.386 0.407 0.426 0.459 0.499 0.531 0.567 39
25 0.342 0.381 0.413 0.439 0.487 0.533 0.572 0.617 40
26 0.350 0.399 0.431 0.476 0.523 0.579 0.629 0.678 41
27 0.376 0.424 0.468 0.516 0.572 0.635 0.694 0.747 42
28 0.404 0.465 0.508 0.562 0.622 0.694 0.761 0.825 43
29 0.448 0.518 0.567 0.620 0.686 0.762 0.835 0.909 44
30 0.493 0.570 0.623 0.683 0.753 0.835 0.913 1.009 45
31 0.536 0.618 0.677 0.745 0.823 0.911 1.006 1.123 46
32 0.578 0.669 0.737 0.815 0.899 1.003 1.119 1.254 47
33 0.620 0.721 0.799 0.884 0.989 1.117 1.251 1.407 48
34 0.656 0.761 0.849 0.954 1.087 1.238 1.395 1.589 49
35 0.714 0.822 0.928 1.054 1.207 1.382 1.565 1.795 50
36 0.785 0.909 1.033 1.174 1.349 1.550 1.759 2.006 51
37 0.872 1.014 1.149 1.307 1.502 1.729 1.968 2.229 52
38 0.974 1.130 1.277 1.451 1.664 1.917 2.202 2.472 53
39 1.087 1.258 1.418 1.607 1.840 2.130 2.451 2.752 54
40 1.208 1.402 1.573 1.777 2.040 2.355 2.728 3.096 55
41 1.340 1.554 1.743 1.976 2.258 2.612 3.045 3.503 56
42 1.479 1.718 1.939 2.197 2.511 2.912 3.400 3.957 57
43 1.615 1.899 2.147 2.447 2.810 3.253 3.796 4.440 58
44 1.761 2.083 2.379 2.732 3.147 3.641 4.229 4.978 59
45 1.918 2.289 2.641 3.049 3.524 4.068 4.733 5.539 60
46 2.108 2.526 2.929 3.396 3.933 4.560 5.291 6.146 61
47 2.354 2.802 3.252 3.772 4.397 5.102 5.908 6.827 62
48 2.646 3.120 3.603 4.196 4.895 5.685 6.596 7.619 63
49 2.969 3.472 4.007 4.654 5.428 6.325 7.361 8.524 64
50 3.304 3.868 4.438 5.142 6.005 7.020 8.202 9.514 65
51 3.668 4.283 4.909 5.699 6.679 7.857 9.224 10.758 66
52 4.034 4.708 5.423 6.334 7.476 8.850 10.464 12.289 67
53 4.394 5.135 5.954 6.991 8.277 9.825 11.671 13.770 68
54 4.753 5.579 6.531 7.736 9.206 10.983 13.116 15.521 69
55 5.128 6.049 7.133 8.500 10.155 12.140 14.548 17.203 70
56 5.524 6.548 7.783 9.334 11.193 13.420 16.144 19.210 71
57 5.944 7.095 8.475 10.194 12.251 14.718 17.727 21.230 72
58 6.422 7.702 9.224 11.123 13.411 16.154 19.514 23.391 73
59 6.994 8.375 10.064 12.183 14.772 17.920 21.740 26.152 74
60 7.649 9.122 10.961 13.276 16.164 19.688 23.958 28.815 75
61 8.376 9.951 11.977 14.562 17.822 21.852 26.643 32.207 76
62 9.171 10.871 13.083 15.914 19.537 23.971 29.275 35.506 77
63 9.998 11.857 14.305 17.477 21.519 26.522 32.499 39.670 78
64 10.883 12.916 15.643 19.155 23.692 29.313 36.022 44.197 79
65 11.893 14.140 17.136 21.051 26.110 32.392 39.882 49.008 80
66 13.111 15.573 18.897 23.241 28.840 35.785 44.113 54.028 81
67 14.590 17.329 21.018 25.800 31.931 39.553 48.747 59.535 82
68 16.433 19.492 23.580 28.792 35.449 43.722 53.786 65.504 83
69 18.650 22.073 26.584 32.237 39.390 48.276 59.249 72.330 84
70 21.222 25.042 30.029 36.115 43.737 53.235 65.147 79.918 85
71 23.223 27.408 32.940 39.681 48.141 58.684 71.915 88.327 86
72 25.421 29.994 36.202 43.796 53.328 65.229 80.172 98.738 87
73 27.777 32.755 39.721 48.243 58.957 72.333 89.169 109.967 88
74 29.849 35.192 42.759 52.028 63.682 78.245 96.442 119.062 89
75 31.496 37.116 45.194 55.086 67.525 82.974 102.393 126.572 90
76 32.841 38.690 47.089 57.374 70.216 86.245 106.417 131.506 91
77 34.204 40.277 49.004 59.609 72.922 89.558 110.470 136.472 92
78 36.334 42.772 51.953 63.170 77.270 94.869 116.985 144.346 93
79 39.498 46.419 56.360 68.522 83.790 102.842 126.664 156.288 94
80 42.677 50.134 60._64 73.975 90.430 110.858 136.537 168.454 95
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
MEDICAL PROJECTED
MALE NONSMOKER
__ [x] [x]+l [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
-- ------ ------ ------ ------ ------ ------ ------ ------
0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297
1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271
2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252
3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249
4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253
5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274
6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354
7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445
8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586
9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719
10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852
11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 0.953
12 0.288 0.368 0.457 0.590 0.725 0.824 0.934 1.015
13 0.371 0.458 0.589 0.710 0.843 0.916 0.995 1.019
14 0.459 0.588 0.707 0.825 0.938 0.977 1.001 1.025
15 0.589 0.707 0.814 0.901 0.976 0.975 1.016 0.966
16 0.714 0.820 0.870 0.920 0.965 0.990 0.959 0.921
17 0.821 0.871 0.893 0.914 1.003 0.931 0.904 0.873
18 0.821 0.860 0.881 0.942 0.953 0.871 0.842 0.813
19 0.785 0.833 0.892 0.880 0.877 0.798 0.772 0.745
20 0.731 0.823 0.830 0.814 0.800 0.712 0.703 0.680
21 0.680 0.749 0.777 0.768 0.757 0.686 0.704 0.703
22 0.594 0.663 0.697 0.684 0.674 0.628 0.630 0.634
23 0.527 0.583 0.619 0.608 0.609 0.566 0.573 0.576
24 0.457 0.506 0.539 0.546 0.547 0.519 0.518 0.533
25 0.407 0.447 0.487 0.494 0.511 0.485 0.495 0.517
26 0.377 0.417 0.450 0.466 0.490 0.481 0.498 0.522
27 0.367 0.395 0.430 0.453 0.485 0.489 0.515 0.547
28 0.365 0.395 0.423 0.454 0.494 0.506 0.539 0.592
29 0.377 0.400 0.432 0.470 0.518 0.537 0.591 0.645
30 0.383 0.415 0.453 0.487 0.543 0.581 0.630 0.707
31 0.387 0.430 0.464 0.510 0.574 0.611 0.682 0.757
32 0.392 0.435 0.481 0.535 0.599 0.651 0.730 0.818
33 0.383 0.438 0.496 0.554 0.640 0.692 0.785 0.878
34 0.367 0.436 0.498 0.575 0.667 0.730 0.826 0.929
35 0.370 0.445 0.525 0.615 0.716 0.788 0.892 1.010
36 0.372 0.471 0.566 0.670 0.788 0.866 0.991 1.119
37 0.394 0.503 0.616 0.736 0.870 0.961 1.096 1.237
38 0.422 0.549 0.683 0.817 0.967 1.065 1.209 1.376
39 0.460 0.612 0.759 0.909 1.070 1.178 1.344 1.533
40 0.505 0.680 0.347 1.015 1.183 1.303 1.496 1.705
41 0.552 0.750 0.944 1.121 1.312 1.450 1.655 1.884
42 0.600 0.825 1.033 1.235 1.455 1.603 1.829 2.080
43 0.648 0.893 1.129 1.358 1.599 1.762 2.006 2.279
44 0.695 0.966 1.233 1.485 1.746 1.925 2.191 2.482
45 0.750 1.060 1.342 1.624 1.909 2.104 2.392 2.714
46 0.810 1.135 1.457 1.775 2.097 2.308 2.632 2.978
47 0.870 1.235 1.592 1.946 2.318 2.560 2.904 3.290
48 0.932 1.346 1.748 2.143 2.587 2.853 3.243 3.682
49 0.999 1.467 1.921 2.379 2.880 3.200 3.654 4.146
50 1.067 1.605 2.120 2.628 3.194 3.579 4.103 4.656
51 1.141 1.758 2.333 2.896 3.530 3.976 4.566 5.175
52 1.227 1.920 2.559 3.184 3.873 4.367 5.013 5.702
53 1.316 2.087 2.798 3.472 4.217 4.728 5.444 6.195
54 1.419 2.271 3.046 3.770 4.555 5.096 5.853 6.664
55 1.533 2.475 3.321 4.087 4.929 5.481 6.268 7.139
56 1.671 2.706 3.627 4.464 5.338 5.895 6.731 7.671
57 1.839 2.977 4.000 4.896 5.793 5.382 7.283 8.288
58 2.036 3.316 4.445 5.403 6.353 6.992 7.961 9.018
59 2.279 3.712 4.955 5.994 7.037 7.729 8.759 9.862
60 2.554 4.151 5.522 6.658 7.831 8.560 9.655 10.815
61 2.871 4.623 6.129 7.390 8.682 9.455 10.628 11.862
62 3.230 5.115 6.756 8.166 9.553 10.393 11.654 12.994
63 3.633 5.686 7.453 3.977 10.442 11.329 12.686 14.156
64 4.088 6.354 8.242 9.829 11.363 12.293 13.752 15.354
65 4.595 7.064 9.083 10.706 12.344 13.338 14.913 16.716
66 5.145 7.769 9.902 11.605 13.402 14.502 16.281 18.340
67 5.757 3.409 10.633 12.523 14.550 15.859 17.924 20.347
68 6.423 8.999 11.304 13.441 15.815 17.447 19.956 22.819
69 7.151 9.594 11.965 14.387 17.193 19.295 22.352 25.810
70 7.938 10.166 12.623 15.342 18.684 21.336 25.116 29.287
71 8.722 11.174 13.364 16.844 20.469 23.367 27.503 32.062
72 9.587 12.272 15.222 18.459 22.423 25.593 30.116 35.090
73 10.514 13.457 16.660 20.192 24.525 27.984 32.909 33.351
74 11.345 14.490 17.926 21.725 26.382 30.091 35.391 41.237
75 11.996 15.313 18.945 22.956 27.861 31.778 27.372 43.522
76 12.585 15.999 19.789 23.968 29.090 33.178 38.995 45.399
77 13.085 16.696 20.644 25.005 30.343 34.588 40.641 47.298
78 13.985 17.773 21.977 26.615 32.279 36.784 43.207 50.267
79 15.185 19.359 23.946 28.983 35.141 40.032 47.006 54.562
80 ______ ______ ______ ______ ______ ______ ______ ______
__ [x]+8 [x]+9 [x]+10 [x]+ll [x]+12 [x]+l3 [x]+14 ULT
-- ------ ------ ------ ------- ------- ------- ------- -------
0 0.278 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15
1 0.258 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16
2 0.253 0.261 0.283 0.365 0.459 0.600 0.735 0.873 17
3 0.257 0.282 0.363 0.456 0.595 0.728 0.864 0.984 18
4 0.278 0.363 0.454 0.592 0.723 0.857 0.975 1.067 19
5 0.358 0.455 0.591 0.721 0.853 0.969 1.059 1.094 20
6 0.450 0.593 0.722 0.852 0.966 1.054 1.088 0.996 21
7 0.588 0.725 0.854 0.967 1.053 1.085 1.014 0.956 22
8 0.724 0.863 0.974 1.059 1.088 1.036 0.975 0.929 23
9 0.860 0.983 1.066 1.094 1.062 0.998 0.949 0.910 24
10 0.977 1.074 1.100 1.088 1.022 0.972 0.931 0.877 25
11 1.048 1.085 1.091 1.021 0.969 0.925 0.869 0.824 26
12 1.053 1.090 1.017 0.962 0.916 0.858 0.811 0.755 27
13 1.056 1.014 0.954 0.905 0.844 0.795 0.737 0.728 28
14 0.986 0.956 0.904 0.841 0.789 0.729 0.718 0.703 29
15 0.937 0.904 0.845 0.790 0.727 0.713 0.695 0.675 30
16 0.890 0.857 0.792 0.734 0.717 0.698 0.675 0.658 31
17 0.843 0.811 0.750 0.732 0.710 0.686 0.667 0.636 32
18 0.791 0.770 0.708 0.700 0.682 0.668 0.646 0.615 33
19 0.734 0.719 0.671 0.668 0.661 0.655 0.633 0.515 34
20 0.675 0.678 0.630 0.637 0.632 0.632 0.627 0.622 35
21 0.728 0.748 0.706 0.693 0.677 0.666 0.664 0.637 36
22 0.657 0.689 0.668 0.653 0.654 0.664 0.665 0.662 37
23 0.603 0.642 0.635 0.633 0.657 0.672 0.687 0.700 38
24 0.566 0.606 0.622 0.632 0.661 0.698 0.721 0.747 39
25 0.552 0.598 0.631 0.652 0.702 0.746 0.777 0.812 40
26 0.564 0.627 0.658 0.706 0.754 0.811 0.854 0.893 41
27 0.605 0.667 0.715 0.765 0.825 0.889 0.942 0.984 42
28 0.650 0.731 0.776 0.833 0.897 0.971 1.033 1.087 43
29 0.722 0.814 0.865 0.920 0.989 1.065 1.134 1.197 44
30 0.795 0.896 0.952 1.013 1.085 1.167 1.240 1.329 45
31 0.864 0.971 1.035 1.106 1.186 1.274 1.365 1.479 46
32 0.931 1.051 1.125 1.209 1.295 1.402 1.518 1.651 47
33 0.998 1.133 1.220 1.311 1.425 1.562 1.698 1.853 48
34 1.057 1.195 1.297 1.415 1.566 1.731 1.894 2.093 49
35 1.151 1.292 1.417 1.564 1.739 1.933 2.125 2.363 50
36 1.265 1.429 1.577 1.742 1.943 2.167 2.387 2.642 51
37 1.405 1.593 1.755 1.939 2.164 2.418 2.671 2.935 52
38 1.569 1.776 1.950 2.153 2.397 2.681 2.989 3.255 53
39 1.751 1.976 2.165 2.384 2.650 2.979 3.327 3.624 54
40 1.946 2.203 2.402 2.635 2.938 3.293 3.703 4.077 55
41 2.157 2.442 2.661 2.931 3.253 3.653 4.133 4.612 56
42 2.382 2.699 2.961 3.259 3.618 4.073 4.615 5.211 57
43 2.600 2.984 3.279 3.629 4.048 4.550 5.153 5.847 58
44 2.836 3.272 3.632 4.053 4.533 5.092 5.740 6.555 59
45 3.089 3.596 4.033 4.523 5.076 5.690 6.424 7.294 60
46 3.395 3.968 4.472 5.037 5.666 5.378 7.181 8.093 61
47 3.792 4.403 4.965 5.594 5.333 7.135 8.018 8.989 62
48 4.261 4.902 5.501 5.223 7.051 7.951 8.952 10.032 63
49 4.782 5.456 6.119 6.903 7.819 8.846 9.990 11.224 64
50 5.322 6.077 5.777 7.627 8.650 9.817 11.132 12.528 65
51 5.908 6.730 7.495 8.453 9.621 10.988 12.520 14.166 66
52 6.497 7.397 8.281 9.395 10.769 12.377 14.203 16.181 67
53 7.077 8.069 9.090 10.370 11.923 13.740 15.841 18.132 68
54 7.654 8.766 9.972 11.474 13.262 15.360 17.802 20.437 69
55 8.259 9.504 10.891 12.608 14.629 16.978 19.745 22.652 70
56 8.896 10.289 11.884 13.845 15.123 18.769 21.912 25.295 71
57 9.572 11.148 12.940 15.121 17.648 20.584 24.060 27.954 72
58 10.342 12.101 14.084 16.498 19.318 22.591 26.485 30.800 73
59 11.263 13.159 15.366 18.071 21.279 25.062 29.506 34.435 74
60 12.318 14.333 16.735 19.693 23.284 27.534 32.517 37.941 75
61 13.489 15.635 18.286 21.600 25.672 30.560 36.161 42.407 76
62 14.770 17.081 19.975 23.605 28.143 33.523 39.734 46.752 77
63 16.101 18.629 21.842 25.924 30.998 37.091 44.109 52.234 78
64 17.526 20.293 23.884 28.413 34.128 40.994 48.891 58.195 79
65 19.152 22.216 26.164 31.225 37.612 45.300 54.130 64.529 80
66 21.114 24.467 28.853 34.473 41.544 50.045 59.872 71.139 81
67 23.496 27.226 32.090 38.269 45.997 55.314 66.161 78.390 82
68 26.465 30.625 36.002 42.706 51.064 61.145 73.001 86.250 83
69 30.035 34.680 40.588 47.815 56.741 67.514 80.416 95.238 84
70 34.176 39.346 45.848 53.567 63.003 74.449 88.421 105.230 85
71 37.398 43.062 50.293 58.857 69.347 82.069 97.606 116.301 86
72 40.938 47.125 55.274 64.961 76.819 91.222 108.813 130.009 87
73 44.733 51.463 60.646 71.557 84.927 101.158 121.024 144.794 88
74 48.069 55.292 65.285 77.170 91.733 109.425 130.896 156.771 89
75 50.722 58.316 69.002 81.706 97.269 116.038 138.972 166.659 90
76 52.888 60.788 71.895 85.100 101.147 120.614 144.434 173.155 91
77 55.082 63.281 74.819 88.415 105.043 125.247 149.935 179.695 92
78 58.513 67.201 79.322 93.698 111.307 132.674 158.778 190.063 93
79 63.608 72.932 86.051 101.635 120.698 143.824 171.914 205.787 94
80 68.7_7 78.769 92.928 109.724 130.264 155.035 185.314 221.805 95
MEDICAL PROJECTED
MALE SMOKER
[x] [x]+l [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
------ ------ ------ ------ ------ ------ ------ ------
0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297
1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271
2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252
3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249
4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253
5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274
6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354
7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445
8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586
9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719
10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852
11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 1.059
12 0.288 0.368 0.457 0.590 0.725 0.824 1.049 1.128
13 0.371 0.458 0.589 0.710 0.843 1.044 1.118 1.132
14 0.459 0.588 0.707 0.825 1.059 1.114 1.124 1.776
15 0.589 0.707 0.814 1.007 1.102 1.112 1.780 1.699
16 0.714 0.820 0.973 1.028 1.091 1.761 1.706 1.644
17 0.821 0.922 0.998 1.022 1.766 1.682 1.632 1.583
18 0.821 0.911 0.985 1.642 1.705 1.595 1.544 1.506
19 0.785 0.882 1.554 1.558 1.592 1.485 1.446 1.405
20 0.731 1.358 1.469 1.461 1.476 1.353 1.341 1.313
21 1.060 1.257 1.395 1.402 1.426 1.327 1.376 1.394
22 0.940 1.128 1.272 1.275 1.293 1.244 1.263 1.294
23 0.847 1.008 1.152 1.153 1.196 1.152 1.182 1.232
24 0.746 0.893 1.023 1.060 1.103 1.087 1.120 1.174
25 0.679 0.803 0.946 0.985 1.061 1.064 1.103 1.163
26 0.640 0.767 0.898 0.958 1.064 1.086 1.133 1.205
27 0.638 0.746 0.883 0.973 1.086 1.129 1.202 1.291
28 0.652 0.768 0.910 1.007 1.130 1.198 1.287 1.404
29 0.692 0.815 0.956 1.063 1.216 1.300 1.418 1.561
30 0.738 0.871 1.024 1.131 1.302 1.414 1.543 1.726
31 0.768 0.921 1.076 1.210 1.385 1.517 1.685 1.878
32 0.793 0.958 1.141 1.277 1.476 1.631 1.832 2.051
33 0.796 0.984 1.182 1.350 1.588 1.763 1.990 2.233
34 0.779 0.986 1.213 1.412 1.682 1.877 2.123 2.391
35 0.789 1.027 1.291 1.536 1.826 2.055 2.322 2.621
36 0.811 1.096 1.412 1.689 2.037 2.288 2.602 2.925
37 0.866 1.189 1.554 1.883 2.276 2.559 2.897 3.267
38 0.943 1.312 1.747 2.114 2.553 2.857 3.230 3.653
39 1.037 1.483 1.966 2.372 2.846 3.193 3.609 4.052
40 1.157 1.667 2.211 2.668 3.177 3.551 3.999 4.489
41 1.278 1.854 2.482 2.979 3.544 3.933 4.404 4.940
42 1.401 2.055 2.745 3.299 3.911 4.330 4.848 5.433
43 1.526 2.247 3.017 3.609 4.281 4.742 5.298 5.916
44 1.651 2.445 3.278 3.933 4.654 5.159 5.750 6.392
45 1.792 2.646 3.553 4.284 5.068 5.603 6.230 6.895
46 1.927 2.848 3.842 4.662 5.535 6.100 6.763 7.480
47 2.062 3.086 4.183 5.081 6.069 6.675 7.378 8.156
48 2.199 3.350 4.564 5.553 6.683 7.368 8.132 8.976
49 2.348 3.630 4.976 6.079 7.357 8.142 9.007 9.930
50 2.493 3.940 5.418 6.640 8.052 8.955 9.936 10.946
51 2.645 4.256 5.895 7.222 8.750 9.773 10.855 11.962
52 2.805 4.595 6.382 7.808 9.431 10.536 11.717 12.869
53 2.976 4.932 6.861 8.365 10.080 11.216 12.424 13.662
54 3.166 5.275 7.337 8.915 10.706 11.803 13.053 14.405
55 3.364 5.649 7.855 9.504 11.311 12.406 13.701 15.126
56 3.603 6.063 8.433 10.133 11.970 13.076 14.422 15.933
57 3.892 6.558 9.080 10.862 12.732 13.877 15.298 16.859
58 4.235 7.133 9.860 11.748 13.688 14.905 16.375 17.966
59 4.628 7.801 10.774 12.776 14.863 16.134 17.645 19.232
60 5.070 8.550 11.771 13.911 16.197 17.500 19.041 20.637
61 5.586 9.335 12.805 15.121 17.587 18.924 20.508 22.124
62 6.160 10.124 13.823 16.364 18.943 20.351 21.980 23.686
63 6.791 11.021 14.935 17.611 20.259 21.684 23.384 25.206
64 7.485 12.064 16.169 18.865 21.550 22.996 24.761 26.686
65 8.238 13.128 17.433 20.086 22.879 24.371 26.211 28.343
66 9.030 14.127 18.578 21.279 24.263 25.866 27.916 30.323
67 9.887 14.945 19.496 22.428 25.715 27.596 29.968 32.779
68 10.783 15.631 20.246 23.499 27.267 29.603 32.510 36.037
69 11.732 16.278 20.919 24.538 28.905 31.899 35.696 39.935
70 12.721 16.838 21.530 25.515 30.605 34.580 39.298 44.385
71 13.643 18.055 23.058 27.295 32.869 37.103 42.150 47.569
72 14.630 19.336 24.666 29.323 35.277 39.804 45.185 50.947
73 15.646 20.659 26.465 31.427 37.792 42.609 48.317 54.467
74 16.449 21.807 27.900 33.119 39.800 44.834 50.827 57.247
75 17.050 22.578 28.881 34.260 41.131 46.315 52.465 59.041
76 17.456 23.105 29.534 35.004 42.008 47.268 53.495 60.146
77 17.848 23.606 30.149 35.721 42.832 48.152 54.449 61.154
78 18.607 24.590 31.396 37.166 44.524 50.011 56.492 63.394
79 19.842 26.213 33.438 39.549 47.339 53.116 59.948 67.201
80 21.058 27.795 35.425 41.863 50.056 56.117 63.266 70.853
[x]+8 [x]+9 [x]+10 [x]+ll [x]+12 [x]+13 [x]+14 ULT
------ ------ ------- ------- ------- ------- ------- -------
0 0.278 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15
1 0.258 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16
2 0.253 0.261 0.283 0.365 0.459 0.600 0.735 0.873 17
3 0.257 0.282 0.363 0.456 0.595 0.728 0.864 1.058 18
4 0.278 0.363 0.454 0.592 0.723 0.857 1.048 1.147 19
5 0.358 0.455 0.591 0.721 0.853 1.042 1.138 1.176 20
6 0.450 0.593 0.722 0.852 1.039 1.133 1.170 1.706 21
7 0.588 0.725 0.854 1.040 1.133 1.167 1.730 1.662 22
8 0.724 0.863 1.048 1.138 1.170 1.761 1.689 1.639 23
9 0.860 1.057 1.146 1.176 1.798 1.722 1.668 1.631 24
10 1.066 1.155 1.183 1.837 1.757 1.702 1.663 1.606 25
11 1.143 1.167 1.835 1.750 1.690 1.646 1.585 1.536 26
12 1.148 1.828 1.738 1.672 1.623 1.558 1.505 1.441 27
13 1.795 1.727 1.654 1.599 1.528 1.470 1.401 1.425 28
14 1.703 1.652 1.592 1.517 1.455 1.382 1.401 1.419 29
15 1.642 1.587 1.519 1.451 1.372 1.386 1.397 1.425 30
16 1.584 1.537 1.450 1.380 1.390 1.397 1.421 1.432 31
17 1.533 1.480 1.406 1.413 1.417 1.438 1.446 1.413 32
18 1.465 1.438 1.363 1.392 1.424 1.443 1.429 1.403 33
19 1.392 1.379 1.330 1.390 1.423 1.444 1.439 1.435 34
20 1.313 1.338 1.306 1.366 1.389 1.430 1.456 1.457 35
21 1.459 1.546 1.509 1.518 1.528 1.540 1.551 1.524 36
22 1.377 1.468 1.458 1.468 1.508 1.545 1.585 1.597 37
23 1.303 1.398 1.423 1.454 1.523 1.595 1.651 1.717 38
24 1.250 1.354 1.424 1.460 1.564 1.672 1.761 1.851 39
25 1.250 1.366 1.453 1.537 1.675 1.815 1.917 2.040 40
26 1.307 1.438 1.547 1.680 1.829 1.993 2.138 2.271 41
27 1.408 1.563 1.696 1.849 2.020 2.216 2.387 2.524 42
28 1.545 1.727 1.869 2.034 2.228 2.452 2.638 2.808 43
29 1.732 1.954 2.106 2.279 2.488 2.712 2.918 3.124 44
30 1.935 2.174 2.349 2.540 2.753 2.993 3.224 3.488 45
31 2.125 2.389 2.585 2.796 3.029 3.300 3.569 3.861 46
32 2.323 2.617 2.834 3.077 3.342 3.653 3.950 4.295 47
33 2.522 2.845 3.096 3.372 3.699 4.049 4.400 4.800 48
34 2.692 3.024 3.325 3.659 4.045 4.469 4.888 5.400 49
35 2.952 3.303 3.653 4.026 4.474 4.970 5.462 6.060 50
36 3.279 3.671 4.046 4.465 4.979 5.551 6.100 6.723 51
37 3.663 4.074 4.485 4.952 5.523 6.155 6.771 7.368 52
38 4.069 4.525 4.962 5.477 6.079 6.772 7.474 8.080 53
39 4.525 5.014 5.490 6.026 6.670 7.423 8.227 8.878 54
40 5.007 5.567 6.053 6.611 7.296 8.114 9.037 9.821 55
41 5.530 6.133 6.654 7.254 7.985 8.884 9.917 10.915 56
42 6.067 6.727 7.303 7.972 8.766 9.737 10.880 12.105 57
43 6.573 7.336 7.996 8.764 9.644 10.687 11.925 13.354 58
44 7.071 7.955 8.742 9.622 10.610 11.741 13.060 14.617 59
45 7.616 8.629 9.545 10.550 11.662 12.899 14.272 15.895 60
46 8.261 9.362 10.398 11.534 12.800 14.117 15.589 17.284 61
47 9.072 10.204 11.331 12.595 13.969 15.433 17.060 18.820 62
48 10.017 11.152 12.344 13.680 15.198 16.855 18.671 20.590 63
49 11.033 12.204 13.405 14.828 16.517 18.383 20.426 22.560 64
50 12.073 13.273 14.510 16.056 17.913 19.998 22.289 24.662 65
51 13.085 14.364 15.727 17.445 19.530 21.920 24.552 27.297 66
52 14.063 15.473 17.034 19.007 21.409 24.184 27.264 30.507 67
53 15.013 16.545 18.330 20.545 23.214 26.280 29.753 33.415 68
54 15.918 17.620 19.692 22.264 25.276 28.743 32.683 36.808 69
55 16.837 18.708 21.063 23.947 27.280 31.056 35.428 39.852 70
56 17.760 19.836 22.499 25.730 29.389 33.552 38.403 43.441 71
57 18.716 21.039 23.970 27.469 31.438 35.944 41.164 46.835 72
58 19.795 22.345 25.502 29.290 33.615 38.510 44.206 50.318 73
59 21.092 23.751 27.191 31.338 36.145 41.677 48.022 54.813 74
60 22.548 25.282 28.927 33.337 38.584 44.648 51.563 59.206 75
61 24.131 26.940 30.855 35.673 41.483 48.283 56.213 64.834 76
62 25.810 28.730 32.881 38.013 44.308 51.923 60.517 70.010 77
63 27.466 30.569 35.059 40.676 47.843 56.285 65.801 76.576 78
64 29.166 32.470 37.353 43.704 51.607 60.931 71.403 83.487 79
65 31.080 34.635 40.114 47.056 55.707 65.917 77.360 90.554 80
66 33.384 37.394 43.340 50.885 60.239 71.262 83.700 97.583 81
67 36.419 40.767 47.213 55.301 65.267 77.045 90.410 105.077 82
68 40.189 44.915 51.856 60.391 70.875 83.250 97.482 112.908 83
69 44.674 49.794 57.209 66.141 76.983 89.825 104.871 121.671 84
70 49.766 55.283 63.212 72.430 83.528 96.735 112.533 131.132 85
71 53.292 59.185 67.780 77.767 89.788 104.068 121.170 141.277 86
72 57.063 63.311 72.794 83.824 97.067 112.831 131.679 153.856 87
73 60.949 67.561 78.000 90.112 104.675 121.968 142.679 168.317 88
74 64.001 70.890 81.945 94.792 110.215 128.533 151.583 178.948 89
75 65.953 72.966 84.481 97.835 113.852 133.886 158.028 186.739 90
76 67.113 74.190 85.806 99.271 116.293 136.651 161.222 190.393 91
77 68.179 75.288 86.992 101.311 118.592 139.293 164.236 193.844 92
78 70.602 77.888 90.594 105.424 123.355 144.796 170.628 203.026 93
79 74.769 83.033 96.504 112.254 131.263 153.994 182.942 217.661 94
80 79.356 88.059 102.302 118.923 138.984 164.377 195.262 232.278 95
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
MEDICAL PROJECTED
MALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
------ ------ ------ ------ ------ ------ ------ ------
0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297
1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271
2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252
3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249
4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253
5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274
6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354
7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445
8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586
9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719
10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852
11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 0.903
12 0.288 0.368 0.457 0.590 0.725 0.824 0.869 0.962
13 0.371 0.458 0.589 0.710 0.843 0.839 0.925 0.966
14 0.459 0.588 0.707 0.825 0.848 0.895 0.931 0.977
15 0.589 0.707 0.814 0.811 0.882 0.894 0.951 0.935
16 0.714 0.820 0.783 0.828 0.873 0.913 0.911 0.904
17 0.821 0.784 0.804 0.823 0.912 0.872 0.871 0.871
18 0.738 0.774 0.793 0.853 0.880 0.827 0.825 0.828
19 0.706 0.750 0.807 0.809 0.822 0.770 0.772 0.773
20 0.658 0.745 0.763 0.759 0.762 0.701 0.716 0.722
21 0.615 0.689 0.725 0.728 0.736 0.688 0.735 0.767
22 0.546 0.618 0.660 0.662 0.668 0.645 0.674 0.712
23 0.492 0.553 0.598 0.599 0.617 0.597 0.631 0.677
24 0.433 0.490 0.531 0.551 0.569 0.563 0.598 0.646
25 0.394 0.440 0.491 0.511 0.548 0.552 0.589 0.640
26 0.371 0.421 0.466 0.497 0.549 0.563 0.605 0.663
27 0.370 0.409 0.459 0.505 0.561 0.585 0.642 0.710
28 0.378 0.421 0.473 0.523 0.583 0.621 0.687 0.772
29 0.402 0.447 0.497 0.552 0.627 0.674 0.757 0.859
30 0.428 0.477 0.532 0.587 0.672 0.733 0.824 0.949
31 0.446 0.505 0.559 0.628 0.715 0.786 0.900 1.033
32 0.460 0.525 0.592 0.663 0.762 0.845 0.979 1.128
33 0.462 0.539 0.614 0.701 0.820 0.914 1.063 1.228
34 0.452 0.541 0.630 0.734 0.868 0.973 1.134 1.315
35 0.458 0.563 0.670 0.798 0.942 1.065 1.240 1.442
36 0.471 0.601 0.734 0.877 1.052 1.186 1.390 1.609
37 0.503 0.652 0.807 0.978 1.175 1.326 1.547 1.797
38 0.547 0.719 0.907 1.098 1.318 1.481 1.725 2.010
39 0.602 0.813 1.021 1.232 1.469 1.655 1.927 2.229
40 0.671 0.914 1.148 1.386 1.640 1.840 2.136 2.469
41 0.742 1.017 1.289 1.547 1.829 2.039 2.353 2.718
42 0.813 1.127 1.426 1.714 2.019 2.244 2.590 2.989
43 0.886 1.232 1.567 1.875 2.210 2.458 2.830 3.255
44 0.959 1.340 1.703 2.043 2.403 2.674 3.071 3.517
45 1.040 1.451 1.846 2.225 2.617 2.905 3.328 3.794
46 1.119 1.562 1.996 2.422 2.858 3.162 3.612 4.116
47 1.197 1.692 2.173 2.639 3.134 3.460 3.941 4.487
48 1.277 1.837 2.371 2.885 3.450 3.819 4.344 4.938
49 1.363 1.990 2.585 3.158 3.798 4.221 4.811 5.463
50 1.447 2.160 2.815 3.449 4.157 4.642 5.307 6.022
51 1.536 2.334 3.063 3.752 4.518 5.066 5.799 6.581
52 1.629 2.520 3.315 4.056 4.869 5.461 6.259 7.080
53 1.728 2.705 3.564 4.345 5.204 5.814 6.637 7.517
54 1.838 2.893 3.811 4.632 5.528 6.118 6.972 7.925
55 1.953 3.098 4.080 4.937 5.840 6.431 7.319 8.322
56 2.092 3.325 4.381 5.264 6.180 6.778 7.704 8.766
57 2.260 3.596 4.717 5.643 6.573 7.194 8.172 9.276
58 2.459 3.911 5.122 6.103 7.067 7.726 8.747 9.885
59 2.687 4.278 5.597 6.637 7.674 8.364 9.426 10.581
60 2.943 4.688 6.115 7.227 8.363 9.072 10.171 11.354
61 3.243 5.119 6.652 7.855 9.081 9.810 10.955 12.173
62 3.576 5.552 7.181 8.501 9.781 10.550 11.741 13.032
63 3.943 6.043 7.759 9.149 10.460 11.241 12.492 13.868
64 4.346 6.615 8.400 9.800 11.126 11.921 13.227 14.683
65 4.783 7.199 9.057 10.435 11.813 12.634 14.002 15.594
66 5.243 7.747 9.651 11.055 12.527 13.409 14.913 16.684
67 5.741 8.196 10.128 11.652 13.277 14.306 16.009 18.035
68 6.261 8.572 10.518 12.208 14.079 15.346 17.367 19.828
69 6.812 8.926 10.868 12.748 14.924 16.536 19.068 21.972
70 7.386 9.234 11.185 13.256 15.802 17.926 20.992 24.420
71 7.922 9.901 11.979 14.180 16.971 19.234 22.516 26.172
72 8.495 10.603 12.814 15.234 18.214 20.635 24.137 28.031
73 9.085 11.329 13.749 16.327 19.513 22.088 25.810 29.967
74 9.551 11.958 14.494 17.206 20.550 23.242 27.151 31.497
75 9.900 12.381 15.004 17.799 21.237 24.010 28.026 32.484
76 10.135 12.670 15.343 18.185 21.690 24.504 28.576 33.092
77 10.363 12.945 15.663 18.558 22.115 24.962 29.086 33.647
78 10.804 13.485 16.310 19.308 22.989 25.926 30.177 34.879
79 11.521 14.375 17.372 20.546 24.442 27.536 32.024 36.974
80 12.227 15.242 18.404 21.749 25.845 29.091 33.796 38.983
[x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------ ------- ------- -------
0 0.278 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15
1 0.258 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16
2 0.253 0.261 0.283 0.365 0.459 0.600 0.735 0.873 17
3 0.257 0.282 0.363 0.456 0.595 0.728 0.864 0.955 18
4 0.278 0.363 0.454 0.592 0.723 0.857 0.946 1.035 19
5 0.358 0.455 0.591 0.721 0.853 0.940 1.027 1.062 20
6 0.450 0.593 0.722 0.852 0.938 1.023 1.056 1.237 21
7 0.588 0.725 0.854 0.938 1.022 1.053 1.209 1.205 22
8 0.724 0.863 0.946 1.027 1.056 1.187 1.181 1.188 23
9 0.860 0.954 1.035 1.062 1.169 1.161 1.167 1.183 24
10 0.935 1.042 1.068 1.151 1.142 1.147 1.162 1.164 25
11 1.002 1.053 1.109 1.097 1.098 1.110 1.108 1.114 26
12 1.007 1.064 1.050 1.048 1.055 1.050 1.053 1.045 27
13 1.016 1.005 0.999 1.002 0.993 0.991 0.980 1.033 28
14 0.963 0.962 0.962 0.951 0.945 0.931 0.979 1.029 29
15 0.929 0.924 0.918 0.909 0.892 0.934 0.977 1.033 30
16 0.896 0.895 0.876 0.865 0.903 0.942 0.993 1.039 31
17 0.867 0.862 0.849 0.885 0.921 0.969 1.01l 1.024 32
18 0.828 0.837 0.823 0.872 0.926 0.973 0.999 1.018 33
19 0.788 0.803 0.803 0.871 0.925 0.974 1.006 1.040 34
20 0.743 0.779 0.789 0.856 0.903 0.964 1.018 1.056 35
21 0.825 0.900 0.912 0.951 0.993 1.039 1.084 1.105 36
22 0.779 0.854 0.881 0.920 0.980 1.042 1.108 1.158 37
23 0.737 0.814 0.859 0.911 0.990 1.076 1.154 1.245 38
24 0.707 0.788 0.860 0.915 1.017 1.128 1.231 1.342 39
25 0.707 0.795 0.878 0.963 1.089 1.224 1.340 1.480 40
26 0.739 0.837 0.935 1.052 1.189 1.343 1.495 1.647 41
27 0.797 0.910 1.024 1.159 1.313 1.494 1.669 1.830 42
28 0.874 1.005 1.129 1.275 1.448 1.653 1.845 2.036 43
29 0.980 1.137 1.272 1.428 1.617 1.829 2.041 2.265 44
30 1.095 1.266 1.419 1.592 1.789 2.018 2.254 2.530 45
31 1.202 1.391 1.561 1.752 1.969 2.225 2.496 2.800 46
32 1.314 1.524 1.712 1.929 2.173 2.463 2.762 3.115 47
33 1.427 1.656 1.870 2.113 2.405 2.730 3.077 3.481 48
34 1.523 1.761 2.008 2.293 2.629 3.013 3.418 3.916 49
35 1.670 1.923 2.207 2.523 2.908 3.351 3.819 4.395 50
36 1.855 2.137 2.444 2.798 3.237 3.743 4.265 4.875 51
37 2.072 2.372 2.710 3.103 3.591 4.150 4.735 5.343 52
38 2.302 2.635 2.998 3.432 3.952 4.566 5.227 5.860 53
39 2.560 2.919 3.316 3.776 4.336 5.005 5.753 6.438 54
40 2.833 3.241 3.657 4.143 4.743 5.471 6.319 7.123 55
41 3.129 3.571 4.019 4.546 5.191 5.990 6.935 7.915 56
42 3.433 3.917 4.412 4.996 5.699 6.565 7.608 8.779 57
43 3.719 4.271 4.830 5.493 6.269 7.206 8.339 9.685 58
44 4.001 4.632 5.281 6.030 6.897 7.917 9.133 10.600 59
45 4.309 5.024 5.766 6.612 7.582 8.698 9.980 11.527 60
46 4.674 5.451 6.281 7.229 8.321 9.518 10.902 12.535 61
47 5.133 5.941 6.845 7.894 9.081 10.406 11.930 13.649 62
48 5.667 6.493 7.457 8.573 9.880 11.365 13.057 14.932 63
49 6.242 7.106 8.098 9.293 10.737 12.395 14.284 16.361 64
50 6.831 7.728 8.766 10.063 11.645 13.484 15.586 17.885 65
51 7.404 8.363 9.501 10.933 12.696 14.780 17.169 19.796 66
52 7.957 9.009 10.291 11.912 13.918 16.306 19.066 22.125 67
53 8.495 9.633 11.073 12.876 15.092 17.720 20.806 24.233 68
54 9.006 10.259 11.897 13.954 16.432 19.381 22.855 26.694 69
55 9.526 10.892 12.725 15.009 17.735 20.940 24.775 28.901 70
56 10.049 11.550 13.592 16.126 19.106 22.624 26.855 31.504 71
57 10.590 12.250 14.481 17.215 20.438 24.236 28.786 33.966 72
58 11.200 13.010 15.406 18.357 21.853 25.966 30.914 36.492 73
59 11.934 13.829 16.426 19.640 23.498 28.102 33.582 39.752 74
60 12.758 14.721 17.475 20.893 25.084 30.105 36.058 42.937 75
61 13.654 15.686 18.640 22.357 26.968 32.556 39.310 47.019 76
62 14.604 16.728 19.864 23.824 28.804 35.010 42.320 50.772 77
63 15.541 17.799 21.180 25.493 31.103 37.951 46.015 55.535 78
64 16.503 18.906 22.566 27.391 33.550 41.084 49.932 60.547 79
65 17.585 20.166 24.234 29.492 36.215 44.446 54.098 65.672 80
66 18.889 21.773 26.183 31.891 39.162 48.050 58.531 70.770 81
67 20.606 23.737 28.523 34.659 42.430 51.950 63.224 76.204 82
68 22.739 26.152 31.328 37.849 46.076 56.134 68.170 81.883 83
69 25.277 28.993 34.562 41.453 50.047 60.567 73.337 88.239 84
70 28.158 32.189 38.188 45.394 54.302 65.226 78.695 95.100 85
71 30.153 34.460 40.948 48.739 58.372 70.171 84.734 102.458 86
72 32.287 36.863 43.977 52.535 63.104 76.080 92.084 111.580 87
73 34.486 39.338 47.122 56.476 68.050 82.241 99.776 122.067 88
74 36.213 41.276 49.505 59.409 71.651 86.667 106.002 129.777 89
75 37.317 42.485 51.038 61.317 74.016 90.277 110.510 135.428 90
76 37.974 43.198 51.838 62.216 75.603 92.141 112.743 138.077 91
77 38.577 43.837 52.555 63.495 77.097 93.923 114.851 140.580 92
78 39.948 45.351 54.731 66.073 80.193 97.633 119.321 147.239 93
79 42.306 48.347 58.301 70.354 85.335 103.835 127.932 157.853 94
80 44.901 51.273 61.804 74.533 90.354 110.836 136.548 168.454 95
EXPECTED MORTALITY ASSUMPTIONS(1000 qx)
MEDICAL PROJECTED
FEMALE PREFERRED NONSMOKER
[x] [x]+l [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+l1 [x]+l2 [x]+13 [x]+14 ULT
----- ----- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------- -------
0.922 0.542 0.342 0.265 0.219 0.192 0.168 0.157 0.142 0.130 0.125 0.123 0.130 0.164 0.201 0.257 15
0.542 0.342 0.265 0.216 0.198 0.168 0.156 0.140 0.129 0.126 0.125 0.131 0.166 0.203 0.259 0.310 16
0.342 0.265 0.216 0.195 0.173 0.156 0.140 0.128 0.125 0.126 0.133 0.167 0.205 0.262 0.314 0.364 17
0.265 0.216 0.195 0.171 0.161 0.140 0.128 0.124 0.125 0.134 0.169 0.207 0.265 0.317 0.368 0.377 18
0.216 0.195 0.171 0.159 0.144 0.128 0.124 0.124 0.134 0.171 0.209 0.267 0.320 0.372 0.381 0.409 19
0.195 0.171 0.159 0.142 0.132 0.124 0.124 0.132 0.170 0.212 0.270 0.323 0.375 0.385 0.413 0.420 20
0.171 0.159 0.142 0.130 0.128 0.124 0.132 0.169 0.211 0.273 0.327 0.379 0.389 0.417 0.424 0.329 21
0.159 0.142 0.130 0.126 0.128 0.132 0.168 0.209 0.272 0.330 0.383 0.393 0.421 0.428 0.329 0.315 22
0.142 0.130 0.126 0.126 0.136 0.168 0.209 0.269 0.328 0.387 0.397 0.426 0.432 0.329 0.316 0.305 23
0.130 0.126 0.126 0.134 0.173 0.208 0.269 0.326 0.385 0.401 0.430 0.437 0.330 0.316 0.306 0.298 24
0.126 0.126 0.134 0.171 0.215 0.268 0.325 0.382 0.389 0.434 0.441 0.330 0.316 0.306 0.299 0.289 25
0.126 0.134 0.171 0.212 0.277 0.324 0.382 0.378 0.422 0.446 0.330 0.317 0.306 0.299 0.289 0.283 26
0.134 0.171 0.212 0.273 0.335 0.380 0.367 0.410 0.433 0.331 0.317 0.307 0.299 0.290 0.283 0.271 27
0.171 0.212 0.273 0.330 0.393 0.355 0.397 0.420 0.321 0.317 0.307 0.300 0.290 0.283 0.271 0.279 28
0.212 0.273 0.330 0.387 0.358 0.385 0.408 0.312 0.308 0.307 0.300 0.290 0.284 0.271 0.279 0.283 29
0.269 0.326 0.379 0.336 0.374 0.388 0.302 0.299 0.298 0.298 0.291 0.284 0.272 0.279 0.284 0.290 30
0.326 0.379 0.324 0.346 0.374 0.288 0.290 0.290 0.289 0.291 0.282 0.272 0.280 0.284 0.290 0.296 31
0.383 0.305 0.339 0.352 0.287 0.277 0.279 0.281 0.283 0.284 0.274 0.282 0.286 0.291 0.296 0.295 32
0.289 0.307 0.342 0.267 0.279 0.265 0.266 0.270 0.274 0.277 0.268 0.278 0.286 0.293 0.296 0.298 33
0.282 0.304 0.254 0.255 0.261 0.247 0.251 0.254 0.259 0.266 0.260 0.273 0.283 0.294 0.300 0.307 34
0.268 0.220 0.242 0.240 0.243 0.227 0.235 0.237 0.247 0.258 0.254 0.269 0.280 0.295 0.309 0.321 35
0.194 0.214 0.237 0.233 0.235 0.220 0.232 0.240 0.254 0.269 0.270 0.282 0.296 0.312 0.333 0.348 36
0.185 0.206 0.231 0.228 0.230 0.219 0.228 0.236 0.252 0.271 0.278 0.290 0.309 0.333 0.361 0.384 37
0.181 0.199 0.228 0.225 0.229 0.220 0.229 0.239 0.256 0.279 0.290 0.304 0.331 0.360 0.387 0.419 38
0.173 0.193 0.221 0.223 0.230 0.224 0.231 0.245 0.266 0.293 0.314 0.330 0.364 0.400 0.433 0.471 39
0.168 0.185 0.216 0.221 0.233 0.229 0.240 0.258 0.283 0.315 0.341 0.369 0.410 0.452 0.488 0.530 40
0.160 0.177 0.207 0.214 0.231 0.232 0.247 0.269 0.297 0.336 0.368 0.405 0.448 0.496 0.541 0.583 41
0.161 0.174 0.203 0.216 0.235 0.243 0.265 0.290 0.326 0.372 0.409 0.450 0.498 0.551 0.599 0.641 42
0.163 0.176 0.204 0.219 0.242 0.256 0.281 0.317 0.359 0.412 0.450 0.494 0.546 0.605 0.657 0.707 43
0.168 0.180 0.208 0.226 0.256 0.273 0.307 0.349 0.398 0.460 0.502 0.547 0.601 0.662 0.720 0.779 44
0.175 0.189 0.221 0.239 0.272 0.297 0.335 0.386 0.445 0.514 0.559 0.608 0.663 0.728 0.791 0.863 45
0.179 0.198 0.230 0.254 0.290 0.320 0.366 0.419 0.489 0.564 0.613 0.667 0.727 0.798 0.870 0.957 46
0.180 0.201 0.238 0.264 0.304 0.338 0.391 0.451 0.525 0.607 0.660 0.720 0.786 0.864 0.948 1.046 47
0.176 0.201 0.243 0.275 0.322 0.359 0.418 0.482 0.560 0.650 0.711 0.779 0.860 0.957 1.057 1.172 48
0.170 0.201 0.249 0.287 0.339 0.382 0.445 0.515 0.597 0.691 0.763 0.844 0.946 1.061 1.178 1.320 49
0.170 0.207 0.261 0.307 0.364 0.412 0.479 0.557 0.647 0.746 0.827 0.922 1.037 1.166 1.296 1.460 50
0.170 0.215 0.277 0.328 0.394 0.444 0.521 0.605 0.699 0.808 0.900 1.005 1.134 1.279 1.426 1.601 51
O.176 0.226 0.296 0.355 0.426 0.483 0.564 0.657 0.761 0.880 0.981 1.095 1.236 1.397 1.565 1.741 52
0.189 0.246 0.329 0.393 0.473 0.534 0.624 0.729 0.846 0.980 1.084 1.206 1.353 1.530 1.720 1.896 53
0.206 0.275 0.365 0.437 0.522 0.591 0.691 0.810 0.943 1.088 1.201 1.333 1.498 1.699 1.920 2.115 54
0.223 0.300 0.399 0.477 0.567 0.640 0.753 0.882 1.026 1.188 1.306 1.447 1.627 1.844 2.096 2.334 55
0.238 0.323 0.436 0.518 0.616 0.696 0.815 0.954 1.113 1.290 1.424 1.587 1.787 2.036 2.336 2.645 56
0.259 0.355 0.478 0.569 0.680 0.768 0.899 1.051 1.227 1.427 1.583 1.768 1.992 2.274 2.614 2.996 57
0.274 0.377 0.510 0.611 0.732 0.827 0.965 1.127 1.315 1.545 1.729 1.947 2.210 2.528 2.916 3.373 58
0.288 0.399 0.544 0.654 0.781 0.883 1.031 1.204 1.404 1.665 1.886 2.149 2.454 2.817 3.247 3.779 59
0.303 0.424 0.579 0.700 0.835 0.944 1.104 1.289 1.502 1.796 2.063 2.369 2.726 3.135 3.620 4.207 60
0.320 0.448 0.614 0.747 0.897 1.015 1.189 1.389 1.620 1.945 2.252 2.608 3.020 3.487 4.033 4.666 61
0.336 0.476 0.656 0.801 0.971 1.101 1.287 1.504 1.774 2.116 2.453 2.844 3.302 3.818 4.404 5.069 62
0.351 0.506 0.704 0.863 1.060 1.206 1.409 1.651 1.955 2.310 2.667 3.093 3.596 4.160 4.807 5.528 63
0.367 0.539 0.756 0.936 1.157 1.323 1.555 1.821 2.150 2.523 2.899 3.355 3.897 4.523 5.240 6.040 64
0.383 0.577 0.815 1.013 1.256 1.449 1.710 2.003 2.346 2.745 3.151 3.649 4.261 4.978 5.812 6.744 65
0.410 0.631 0.900 1.119 1.391 1.613 1.908 2.234 2.603 3.041 3.474 4.023 4.700 5.511 6.456 7.513 66
0.440 0.691 0.989 1.233 1.530 1.776 2.101 2.461 2.864 3.341 3.819 4.423 5.178 6.086 7.145 8.326 67
0.474 0.753 1.083 1.347 1.669 1.929 2.281 2.674 3.118 3.644 4.179 4.854 5.692 6.692 7.869 9.193 68
0.512 0.821 1.182 1.467 1.809 2.078 2.453 2.876 3.372 3.956 4.558 5.320 6.240 7.334 8.631 10.068 69
0.554 0.896 1.292 1.595 1.957 2.236 2.626 3.080 3.636 4.286 4.967 5.818 6.831 8.027 9.459 10.990 70
0.605 0.982 1.415 1.741 2.120 2.404 2.819 3.307 3.914 4.642 5.408 6.355 7.472 8.788 10.361 12.087 71
0.668 1.084 1.560 1.911 2.300 2.602 3.049 3.571 4.213 5.031 5.886 6.940 8.177 9.625 11.361 13.324 72
0.741 1.207 1.734 2.108 2.522 2.849 3.330 3.887 4.554 5.459 6.406 7.570 8.940 10.549 12.475 14.637 73
0.829 1.352 1.933 2.338 2.792 3.147 3.665 4.252 4.957 5.935 6.970 8.241 9.762 11.563 13.698 16.081 74
0.930 1.511 2.154 2.595 3.105 3.487 4.042 4.661 5.420 6.463 7.581 8.968 10.655 12.667 15.037 17.658 75
1.045 1.683 2.389 2.879 3.443 3.853 4.448 5.1ll 5.934 7.042 8.284 9.839 11.766 14.089 16.795 19.862 76
1.176 1.861 2.632 3.182 3.790 4.233 4.876 5.598 6.490 7.682 9.060 10.804 12.995 15.638 18.744 22.307 77
1.321 2.067 2.904 3.500 4.141 4.614 5.307 6.091 7.065 8.357 9.929 11.941 14.486 17.601 21.258 25.591 78
1.486 2.311 3.213 3.830 4.506 5.005 5.745 6.597 7.670 9.077 10.830 13.077 15.960 19.481 23.632 28.640 79
1.671 2.570 3.539 4.171 4.894 5.424 6.222 7.164 8.358 9.899 11.884 14.469 17.780 21.864 26.697 32.530 80
1.872 2.826 3.858 4.520 5.306 5.889 6.775 7.837 9.178 10.865 13.079 15.952 19.639 24.188 29.592 35.964 81
2.094 3.057 4.142 4.872 5.753 6.424 7.437 8.661 10.179 12.050 14.563 17.814 21.976 27.122 33.293 40.512 82
2.335 3.271 4.398 5.221 6.237 7.046 8.248 9.681 11.428 13.502 16.298 19.858 24.387 29.989 36.791 44.687 83
2.600 3.483 4.648 5.574 6.761 7.762 9.207 10.914 12.919 15.232 18.400 22.359 27.354 33.562 41.229 50.362 84
2.882 3.686 4.891 5.927 7.318 8.554 10.312 12.336 14.645 17.221 20.806 25.175 30.657 37.497 46.079 56.737 85
3.162 4.041 5.357 6.483 7.990 9.338 11.248 13.454 15.970 18.775 22.837 27.807 34.055 41.856 51.670 63.891 86
3.467 4.425 5.853 7.080 8.725 10.188 12.270 14.673 17.414 20.459 25.152 30.915 38.167 47.255 58.718 73.030 87
3.791 4.834 6.390 7.720 9.505 11.098 13.361 15.975 18.948 22.256 27.656 34.295 42.672 53.190 66.498 83.110 88
4.075 5.187 6.853 8.273 10.187 11.892 14.313 17.104 20.282 23.823 29.800 37.169 46.482 58.194 72.985 91.512 89
4.294 5.464 7.214 8.709 10.720 12.510 15.051 17.982 21.322 25.034 31.531 39.556 49.703 62.454 78.603 98.871 90
4.473 5.686 7.508 9.061 11.150 13.006 15.644 18.688 22.150 26.003 32.748 41.076 51.585 64.804 81.560 102.570 91
4.551 5.912 7.805 9.417 11.581 13.506 16.243 19.398 22.988 26.983 33.978 42.594 53.479 67.184 84.538 106.315 92
4.934 6.271 8.276 9.981 12.272 14.310 17.205 20.543 24.341 28.568 35.953 45.061 56.576 71.060 89.415 112.393 93
5.358 6.808 8.980 10.827 13.311 15.517 18.652 22.267 26.382 30.945 38.935 48.799 61.257 76.940 96.765 121.618 94
_____ _____ _____ _____ ______ ______ ______ 24.027 28.450 33._64 41.980 52.602 66.032 32.895 104.244 131.019 95
EXPECTED MORTALITY ASSUMPTIONS (lOOOqx)
MEDICAL PROJECTED
FEMALE NONSMOKER
[x] [x]+l [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 0.434
11 0.126 0.134 0.171 0.212 0.277 0.324 0.382 0.430 0.471
12 0.134 0.171 0.212 0.273 0.335 0.380 0.430 0.467 0.483
13 0.171 0.212 0.273 0.330 0.393 0.428 0.466 0.479 0.518
14 0.212 0.273 0.330 0.387 0.443 0.464 0.478 0.513 0.497
15 0.269 0.326 0.379 0.424 0.463 0.468 0.513 0.492 0.481
16 0.326 0.379 0.408 0.436 0.463 0.501 0.492 0.477 0.466
17 0.383 0.411 0.427 0.443 0.513 0.483 0.474 0.463 0.456
18 0.391 0.415 0.431 0.486 0.499 0.461 0.451 0.445 0.441
19 0.381 0.410 0.463 0.464 0.467 0.430 0.425 0.418 0.418
20 0.362 0.430 0.440 0.436 0.435 0.395 0.398 0.391 0.398
21 0.378 0.417 0.431 0.425 0.421 0.383 0.393 0.395 0.409
22 0.360 0.401 0.421 0.415 0.411 0.382 0.386 0.388 0.406
23 0.352 0.389 0.415 0.409 0.409 0.384 0.388 0.394 0.412
24 0.338 0.376 0.402 0.407 0.411 0.389 0.392 0.404 0.428
25 0.328 0.362 0.394 0.403 0.416 0.399 0.407 0.424 0.455
26 0.313 0.346 0.376 0.390 0.413 0.405 0.419 0.442 0.479
27 0.313 0.340 0.370 0.392 0.421 0.424 0.449 0.478 0.526
28 0.319 0.344 0.372 0.399 0.433 0.446 0.477 0.521 0.578
29 0.328 0.352 0.379 0.412 0.457 0.475 0.520 0.573 0.641
30 0.341 0.369 0.402 0.436 0.486 0.518 0.568 0.635 0.716
31 0.349 0.386 0.419 0.462 0.518 0.557 0.620 0.690 0.788
32 0.350 0.392 0.433 0.480 0.544 0.588 0.662 0.742 0.846
33 0.343 0.393 0.442 0.500 0.575 0.624 0.708 0.794 0.902
34 0.332 0.393 0.453 0.522 0.607 0.665 0.753 0.847 0.961
35 0.332 0.404 0.476 0.559 0.651 0.717 0.811 0.916 1.042
36 0.332 0.419 0.504 0.597 0.704 0.773 0.883 0.995 1.127
37 0.344 0.440 0.539 0.645 0.762 0.840 0.956 1.081 1.225
38 0.369 0.481 0.599 0.715 0.846 0.929 1.057 1.199 1.363
39 0.402 0.536 0.665 0.794 0.934 1.030 1.172 1.332 1.518
40 0.435 0.584 0.726 0.869 1.015 1.114 1.275 1.450 1.652
41 0.465 0.631 0.793 0.943 1.101 1.212 1.380 1.569 1.793
42 0.504 0.693 0.869 1.036 1.216 1.337 1.523 1.728 1.976
43 0.534 0.736 0.929 1.113 1.308 1.439 1.634 1.854 2.118
44 0.561 0.779 0.990 1.191 1.396 1.537 1.747 1.980 2.262
45 0.592 0.826 1.053 1.273 1.492 1.643 1.870 2.120 2.420
46 0.624 0.873 1.118 1.359 1.604 1.767 2.014 2.284 2.609
47 0.655 0.927 1.193 1.457 1.736 1.917 2.180 2.474 2.858
48 0.684 0.987 1.280 1.571 1.895 2.099 2.386 2.715 3.148
49 0.716 1.051 1.376 1.703 2.068 2.302 2.634 2.995 3.463
50 0.747 1.124 1.484 1.844 2.246 2.522 2.896 3.295 3.778
51 0.799 1.230 1.637 2.036 2.487 2.807 3.231 3.674 4.193
52 0.858 1.347 1.799 2.243 2.734 3.090 3.559 4.047 4.612
53 0.923 1.468 1.971 2.451 2.984 3.357 3.864 4.398 5.022
54 0.997 1.600 2.150 2.668 3.234 3.617 4.155 4.729 5.431
55 1.080 1.747 2.350 2.902 3.498 3.891 4.448 5.065 5.856
56 1.180 1.915 2.575 3.168 3.789 4.183 4.776 5.439 6.304
57 1.302 2.114 2.838 3.476 4.111 4.528 5.165 5.873 6.785
58 1.445 2.354 3.155 3.834 4.508 4.958 5.641 6.393 7.334
59 1.617 2.635 3.516 4.253 4.990 5.477 6.209 6.993 7.983
60 1.813 2.946 3.918 4.721 5.549 6.068 6.846 7.666 8.729
61 2.038 3.280 4.346 5.237 6.154 6.705 7.533 8.406 9.557
62 2.292 3.627 4.787 5.789 6.774 7.367 8.259 9.207 10.451
63 2.576 4.029 5.283 6.366 7.401 8.028 8.989 10.017 11.378
64 2.897 4.504 5.845 6.967 8.053 8.710 9.731 10.850 12.353
65 3.257 5.009 6.438 7.587 8.746 9.438 10.538 11.782 13.460
66 3.648 5.507 7.017 8.223 9.483 10.247 11.475 12.889 14.781
67 4.081 5.959 7.534 8.861 10.282 11.178 12.597 14.244 16.393
68 4.552 6.376 7.999 9.498 11.147 12.261 13.970 15.920 18.404
69 5.067 6.789 8.455 10.140 12.083 13.507 15.594 17.948 20.805
70 5.617 7.184 8.897 10.782 13.080 14.886 17.466 20.287 23.584
71 6.163 7.876 9.744 11.792 14.280 16.249 19.051 22.125 25.718
72 6.757 8.625 10.656 12.878 15.593 17.728 20.783 24.131 28.044
73 7.389 9.421 11.623 14.042 16.988 19.312 22.631 26.271 30.514
74 7.942 10.109 12.466 15.049 18.206 20.693 24.243 28.129 32.663
75 8.369 10.649 13.123 15.842 19.160 21.769 25.492 29.573 34.337
76 8.717 11.082 13.656 16.482 19.927 22.632 26.497 30.733 35.672
77 9.064 11.522 14.196 17.129 20.698 23.502 27.513 31.901 37.020
78 9.616 12.222 15.055 18.155 21.933 24.901 29.142 33.783 39.199
79 10.442 13.268 16.334 19.693 23.789 27.000 31.592 36.619 42.486
80 ______ 14.332 17.640 21.266 25.680 2_.141 34.093 39.514 45.816
[x]+9 [x]+10 [x]+ll [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 0.410 18
4 0.171 0.209 0.267 0.320 0.372 0.414 0.445 19
5 0.212 0.270 0.323 0.375 0.419 0.449 0.456 20
6 0.273 0.327 0.379 0.423 0.454 0.461 0.433 21
7 0.330 0.383 0.427 0.458 0.466 0.447 0.415 22
8 0.387 0.431 0.463 0.470 0.461 0.429 0.402 23
9 0.436 0.468 0.475 0.475 0.442 0.415 0.393 24
10 0.473 0.480 0.490 0.456 0.428 0.406 0.381 25
11 0.485 0.505 0.470 0.441 0.419 0.393 0.372 26
12 0.520 0.484 0.455 0.432 0.405 0.384 0.357 27
13 0.499 0.469 0.445 0.418 0.397 0.368 0.367 28
14 0.483 0.458 0.431 0.409 0.380 0.379 0.373 29
15 0.468 0.444 0.421 0.391 0.391 0.385 0.381 30
16 0.457 0.430 0.403 0.403 0.397 0.394 0.389 31
17 0.447 0.419 0.418 0.412 0.407 0.402 0.389 32
18 0.435 0.410 0.412 0.412 0.410 0.403 0.393 33
19 0.419 0.397 0.405 0.408 0.411 0.407 0.404 34
20 0.406 0.387 0.399 0.403 0.413 0.419 0.422 35
21 0.424 0.413 0.418 0.427 0.437 0.452 0.459 36
22 0.426 0.424 0.430 0.446 0.466 0.489 0.506 37
23 0.438 0.444 0.452 0.477 0.504 0.526 0.552 38
24 0.461 0.479 0.490 0.525 0.560 0.589 0.620 39
25 0.495 0.522 0.547 0.590 0.633 0.663 0.699 40
26 0.529 0.562 0.602 0.645 0.694 0.734 0.768 41
27 0.586 0.624 0.667 0.717 0.771 0.813 0.844 42
28 0.648 0.687 0.734 0.786 0.846 0.892 0.931 43
29 0.724 0.766 0.812 0.867 0.926 0.978 1.026 44
30 0.808 0.854 0.901 0.956 1.018 1.073 1.137 45
31 0.887 0.936 0.989 1.048 1.117 1.181 1.260 46
32 0.954 1.008 1.069 1.133 1.209 1.287 1.378 47
33 1.021 1.086 1.156 1.240 1.338 1.435 1.543 48
34 1.086 1.165 1.252 1.363 1.484 1.599 1.739 49
35 1.172 1.263 1.367 1.493 1.630 1.759 1.923 50
36 1.269 1.374 1.491 1.634 1.789 1.936 2.108 51
37 1.384 1.498 1.625 1.780 1.954 2.124 2.293 52
38 1.540 1.655 1.789 1.950 2.140 2.335 2.497 53
39 1.710 1.834 1.978 2.158 2.376 2.606 2.785 54
40 1.866 1.994 2.146 2.344 2.580 2.846 3.073 55
41 2.026 2.174 2.354 2.574 2.847 3.171 3.483 56
42 2.242 2.418 2.623 2.869 3.181 3.549 3.945 57
43 2.428 2.640 2.888 3.183 3.536 3.958 4.441 58
44 2.617 2.880 3.187 3.535 3.939 4.407 4.977 59
45 2.822 3.150 3.515 3.926 4.384 4.913 5.539 60
46 3.056 3.439 3.869 4.350 4.877 5.473 6.144 61
47 3.325 3.745 4.218 4.756 5.340 5.977 6.674 62
48 3.630 4.072 4.588 5.181 5.818 6.524 7.280 63
49 3.964 4.427 4.976 5.613 6.325 7.112 7.954 64
50 4.313 4.811 5.412 6.138 6.961 7.888 8.881 65
51 4.778 5.305 5.967 6.770 7.707 8.763 9.893 66
52 5.249 5.831 6.561 7.459 8.512 9.698 10.964 67
53 5.725 6.380 7.201 8.200 9.359 10.681 12.104 68
54 6.216 6.959 7.891 8.989 10.256 11.715 13.256 69
55 6.734 7.584 8.630 9.840 11.226 12.838 14.471 70
56 7.293 8.257 9.427 10.764 12.290 14.063 15.915 71
57 7.905 8.988 10.293 11.779 13.461 15.420 17.544 72
58 8.577 9.780 11.229 12.878 14.753 16.931 19.273 73
59 9.325 10.641 12.223 14.063 16.172 18.592 21.174 74
60 10.155 11.575 13.302 15.348 17.715 20.408 23.251 75
61 11.064 12.648 14.594 16.948 19.704 22.795 26.153 76
62 12.070 13.833 16.025 18.719 21.870 25.441 29.372 77
63 13.130 15.160 17.711 20.867 24.616 28.853 33.697 78
64 14.262 16.535 19.397 22.991 27.244 32.074 37.711 79
65 15.552 18.144 21.462 25.613 30.577 36.234 42.833 80
66 17.070 19.970 23.661 28.290 33.827 40.163 47.354 81
67 18.933 22.235 26.423 31.657 37.931 45.187 53.343 82
68 21.213 24.883 29.455 35.130 41.939 49.935 58.840 83
69 23.932 28.094 33.164 39.403 46.937 55.958 66.312 84
70 27.057 31.766 37.341 44.162 52.439 62.541 74.706 85
71 29.499 34.868 41.244 49.056 58.536 70.129 84.126 86
72 32.145 38.402 45.856 54.980 66.086 79.695 96.160 87
73 34.968 42.225 50.868 61.468 74.387 90.254 109.433 88
74 37.430 45.500 55.131 66.958 81.385 99.058 120.495 89
75 39.332 48.142 58.672 71.598 87.342 106.683 130.185 90
76 40.855 50.000 60.927 74.307 90.628 110.696 135.055 91
77 42.394 51.878 63.178 77.037 93.957 114.739 139.987 92
78 44.886 54.894 66.837 81.498 99.378 121.359 147.989 93
79 48.619 59.448 __._81 88.241 107.600 131.333 160.137 94
80 52.419 64.095 78.023 95.119 115.929 141.485 172.515 95
EXPECTED MORTALITY ASSUMPTIONS (l000qx)
MEDICAL PROJECTED
FEMALE SMOKER
__ [x] [x]+l [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 0.478
12 0.134 0.171 0.212 0.273 0.335 0.380 0.483 0.518
13 0.171 0.212 0.273 0.330 0.393 0.488 0.524 0.532
14 0.212 0.273 0.330 0.387 0.500 0.529 0.537 0.887
15 0.269 0.326 0.379 0.474 0.524 0.534 0.896 0.867
16 0.326 0.379 0.456 0.487 0.524 0.889 0.875 0.854
17 0.383 0.435 0.478 0.496 0.901 0.873 0.858 0.844
18 0.391 0.439 0.481 0.845 0.893 0.848 0.832 0.825
19 0.381 0.434 0.805 0.821 0.851 0.805 0.797 0.789
20 0.362 0.708 0.780 0.787 0.806 0.752 0.760 0.754
21 0.588 0.700 0.777 0.780 0.794 0.742 0.767 0.784
22 0.571 0.685 0.772 0.775 0.789 0.756 0.775 0.795
23 0.568 0.676 0.774 0.777 0.803 0.781 0.802 0.835
24 0.555 0.665 0.764 0.790 0.829 0.818 0.842 0.886
25 0.548 0.651 0.764 0.803 0.867 0.868 0.903 0.958
26 0.532 0.636 0.751 0.802 0.890 0.912 0.957 1.022
27 0.544 0.642 0.761 0.837 0.939 0.982 1.049 1.124
28 0.569 0.670 0.794 0.882 0.996 1.059 1.136 1.243
29 0.604 0.711 0.838 0.937 1.074 1.147 1.256 1.386
30 0.652 0.773 0.914 1.013 1.165 1.268 1.389 1.556
31 0.689 0.832 0.975 1.094 1.257 1.381 1.535 1.711
32 0.712 0.863 1.027 1.152 1.336 1.479 1.662 1.865
33 0.714 0.881 1.061 1.216 1.433 1.590 1.800 2.019
34 0.704 0.894 1.103 1.286 1.532 1.714 1.938 2.182
35 0.713 0.931 1.172 1.394 1.662 1.871 2.113 2.380
36 0.722 0.977 1.259 1.510 1.821 2.044 2.320 2.605
37 0.758 1.040 1.363 1.652 1.996 2.239 2.533 2.854
38 0.825 1.151 1.532 1.854 2.234 2.497 2.822 3.179
39 0.910 1.301 1.724 2.076 2.487 2.789 3.140 3.515
40 0.996 1.435 1.898 2.288 2.723 3.031 3.404 3.813
41 1.078 1.561 2.088 2.504 2.967 3.283 3.670 4.108
42 1.180 1.729 2.308 2.763 3.265 3.608 4.031 4.507
43 1.258 1.851 2.476 2.954 3.497 3.866 4.309 4.816
44 1.334 1.967 2.629 3.149 3.718 4.112 4.587 5.102
45 1.412 2.079 2.786 3.352 3.957 4.379 4.871 5.394
46 1.482 2.187 2.944 3.565 4.236 4.670 5.180 5.738
47 1.550 2.314 3.130 3.805 4.548 5.004 5.538 6.137
48 1.613 2.452 3.344 4.070 4.901 5.411 5.986 6.618
49 1.681 2.600 3.566 4.359 5.282 5.860 6.493 7.175
50 1.745 2.759 3.797 4.659 5.663 6.308 7.016 7.753
51 1.853 2.983 4.137 5.079 6.165 6.901 7.690 8.490
52 1.966 3.225 4.489 5.500 6.660 7.463 8.316 9.137
53 2.088 3.469 4.834 5.907 7.140 7.961 8.821 9.694
54 2.227 3.716 5.181 6.315 7.598 8.380 9.262 10.226
55 2.370 3.989 5.564 6.745 8.031 8.803 9.726 10.737
56 2.544 4.295 5.985 7.195 8.494 9.282 10.237 11.299
57 2.757 4.654 6.447 7.707 9.038 9.850 10.849 11.951
58 3.006 5.064 6.997 8.339 9.716 10.570 11.608 12.738
59 3.286 5.536 7.648 9.068 10.540 11.437 12.510 13.636
60 3.597 6.069 8.355 9.866 11.481 12.408 13.500 14.625
61 3.965 6.626 9.081 10.719 12.470 13.417 14.533 15.681
62 4.372 7.180 9.799 11.602 13.431 14.422 15.578 16.783
63 4.816 7.812 10.589 12.487 14.357 15.368 16.569 17.836
64 5.306 8.553 11.464 13.369 15.273 16.294 17.522 18.858
65 5.841 9.308 12.355 14.236 16.211 17.246 18.523 19.978
66 6.403 10.012 13.167 15.077 17.169 18.279 19.677 21.310
67 7.007 10.593 13.814 15.871 18.172 19.451 21.060 22.946
68 7.642 11.075 14.327 16.606 19.220 20.804 22.758 25.142
69 8.313 11.519 14.783 17.296 20.313 22.330 24.904 27.772
70 9.001 11.899 15.175 17.931 21.425 24.125 27.329 30.747
71 9.641 12.727 16.204 19.108 22.931 25.802 29.198 32.830
72 10.312 13.588 17.267 20.457 24.533 27.574 31.184 35.037
73 10.995 14.462 18.463 21.855 26.180 29.406 33.228 37.309
74 11.515 15.214 19.402 22.942 27.468 30.833 34.816 39.051
75 11.895 15.701 20.007 23.644 28.286 31.726 35.789 40.119
76 12.139 16.006 20.382 24.073 28.775 32.244 36.351 40.717
77 12.364 16.291 20.734 24.469 29.218 32.720 36.860 41.248
78 12.841 16.911 21.506 25.353 30.255 33.856 38.103 42.608
79 13.645 17.956 22.810 26.874 32.046 35.827 40.292 45.020
80 __.___ __.___ __.___ 28.339 33.762 37.717 42.384 47.324
__ [x]+8 [x]+9 [x]+10 [x]+ll [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 0.441 18
4 0.134 0.171 0.209 0.267 0.320 0.372 0.446 0.478 19
5 0.170 0.212 0.270 0.323 0.375 0.450 0.483 0.491 20
6 0.211 0.273 0.327 0.379 0.455 0.488 0.496 0.739 21
7 0.272 0.330 0.383 0.459 0.493 0.501 0.760 0.722 22
8 0.328 0.387 0.464 0.498 0.506 0.781 0.743 0.712 23
9 0.385 0.469 0.503 0.511 0.803 0.763 0.732 0.708 24
10 0.473 0.508 0.516 0.824 0.784 0.752 0.728 0.698 25
11 0.513 0.521 0.847 0.806 0.773 0.749 0.718 0.695 26
12 0.527 0.869 0.827 0.794 0.769 0.738 0.714 0.680 27
13 0.878 0.849 0.816 0.790 0.758 0.734 0.699 0.720 28
14 0.858 0.837 0.811 0.779 0.754 0.719 0.740 0.755 29
15 0.846 0.826 0.800 0.775 0.738 0.760 0.776 0.800 30
16 0.834 0.821 0.788 0.758 0.781 0.798 0.822 0.845 31
17 0.830 0.816 0.784 0.807 0.823 0.847 0.870 0.868 32
18 0.818 0.813 0.790 0.821 0.853 0.883 0.895 0.898 33
19 0.791 0.804 0.789 0.837 0.876 0.910 0.927 0.940 34
20 0.774 0.804 0.798 0.854 0.890 0.937 0.972 0.995 35
21 0.821 0.870 0.880 0.921 0.964 1.009 1.063 1.096 36
22 0.845 0.905 0.930 0.968 1.025 1.091 1.165 1.224 37
23 0.887 0.957 0.996 1.036 1.112 1.195 1.268 1.354 38
24 0.949 1.031 1.095 1.140 1.240 1.346 1.437 1.539 39
25 1.033 1.127 1.208 1.288 1.413 1.540 1.640 1.756 40
26 1.106 1.220 1.319 1.435 1.564 1.711 1.838 1.954 41
27 1.231 1.370 1.484 1.612 1.761 1.924 2.063 2.167 42
28 1.373 1.536 1.654 1.796 1.956 2.138 2.280 2.408 43
29 1.540 1.738 1.869 2.012 2.182 2.360 2.520 2.677 44
30 1.744 1.965 2.108 2.262 2.427 2.614 2.789 2.978 45
31 1.942 2.183 2.340 2.503 2.682 2.891 3.081 3.286 46
32 2.112 2.379 2.542 2.726 2.923 3.142 3.343 3.578 47
33 2.280 2.566 2.760 2.972 3.211 3.464 3.712 3.992 48
34 2.451 2.751 2.985 3.231 3.515 3.826 4.120 4.480 49
35 2.678 2.994 3.249 3.515 3.837 4.187 4.516 4.933 50
36 2.919 3.255 3.521 3.818 4.181 4.575 4.949 5.366 51
37 3.187 3.534 3.823 4.144 4.537 4.977 5.386 5.764 52
38 3.530 3.918 4.207 4.544 4.949 5.405 5.847 6.198 53
39 3.918 4.333 4.644 5.003 5.432 5.928 6.444 6.825 54
40 4.245 4.709 5.026 5.384 5.827 6.356 6.947 7.402 55
41 4.588 5.093 5.437 5.832 6.320 6.927 7.609 8.245 56
42 5.038 5.588 5.971 6.418 6.954 7.604 8.368 9.173 57
43 5.353 5.978 6.437 6.977 7.584 8.308 9.167 10.139 58
44 5.647 6.361 6.935 7.567 8.276 9.091 10.024 11.102 59
45 5.965 6.775 7.454 8.201 9.030 9.936 10.919 12.066 60
46 6.351 7.209 7.997 8.867 9.824 10.800 11.877 13.125 61
47 6.837 7.708 8.555 9.494 10.495 11.545 12.721 13.980 62
48 7.402 8.267 9.135 10.089 11.161 12.336 13.613 14.942 63
49 7.997 8.863 9.702 10.685 11.861 13.149 14.542 15.992 64
50 8.569 9.424 10.296 11.398 12.715 14.182 15.800 17.485 65
51 9.291 10.193 11.135 12.319 13.744 15.381 17.187 19.061 66
52 9.979 10.983 11.998 13.275 14.834 16.634 18.615 20.666 67
53 10.657 11.744 12.867 14.271 15.968 17.899 20.057 22.310 68
54 11.298 12.496 13.748 15.314 17.131 19.189 21.510 23.876 69
55 11.940 13.261 14.671 16.391 18.345 20.537 23.035 25.458 70
56 12.589 14.064 15.632 17.515 19.622 21.971 24.647 27.334 71
57 13.269 14.917 16.645 18.701 20.984 23.506 26.384 29.395 72
58 14.036 15.835 17.711 19.936 22.408 25.150 28.261 31.486 73
59 14.948 16.833 18.831 21.197 23.889 26.894 30.257 33.704 74
60 15.981 17.914 20.008 22.519 25.436 28.725 32.362 36.282 75
61 17.098 19.064 21.342 24.103 27.385 31.131 35.435 39.984 76
62 18.264 20.303 22.773 25.805 29.471 33.874 38.748 43.986 77
63 19.410 21.547 24.333 27.790 32.206 37.355 43.045 49.404 78
64 20.558 22.818 25.859 29.836 34.766 40.497 46.846 54.103 79
65 21.841 24.246 27.818 32.344 37.937 44.496 51.787 60.105 80
66 23.370 26.089 29.997 34.928 41.023 48.169 56.145 64.960 81
67 25.408 28.351 32.716 38.187 44.921 52.830 61.751 71.506 82
68 27.948 31.114 35.844 41.655 48.757 57.104 66.683 77.027 83
69 30.947 34.365 39.599 45.872 53.462 62.451 72.975 84.720 84
70 34.346 38.018 43.796 50.493 58.552 68.136 79.599 93.100 85
71 36.649 40.541 46.994 54.498 63.515 74.229 87.063 102.194 86
72 39.088 43.188 50.576 59.171 69.474 81.744 96.444 113.794 87
73 41.577 45.909 54.308 64.061 75.765 89.691 106.400 127.195 88
74 43.490 47.990 57.113 67.723 80.449 95.593 114.699 137.536 89
75 44.648 49.215 58.945 70.255 83.801 100.763 121.308 145.871 90
76 45.268 49.864 59.675 71.070 85.424 102.676 123.563 148.509 91
77 45.824 50.438 60.317 72.383 86.970 104.494 125.689 151.002 92
78 47.299 52.023 62.687 75.199 90.319 108.465 130.410 158.064 93
79 49.939 55.346 66.667 79.943 95.970 115.203 139.741 169.376 94
80 52.395 58.600 70.560 84.570 101.482 122.900 149.080 180.661 95
______________
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
MEDICAL PROJECTED
FEMALE PREFERRED SMOKER
__ [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 0.408
12 0.134 0.171 0.212 0.273 0.335 0.380 0.400 0.442
13 0.171 0.212 0.273 0.330 0.393 0.392 0.434 0.454
14 0.212 0.273 0.330 0.387 0.400 0.425 0.445 0.488
15 0.269 0.326 0.379 0.381 0.419 0.429 0.478 0.477
16 0.326 0.379 0.367 0.392 0.419 0.461 0.467 0.470
17 0.383 0.370 0.385 0.399 0.465 0.452 0.458 0.464
18 0.351 0.373 0.388 0.439 0.461 0.439 0.444 0.454
19 0.343 0.369 0.418 0.426 0.439 0.417 0.425 0.434
20 0.326 0.388 0.405 0.408 0.416 0.390 0.406 0.415
21 0.341 0.384 0.403 0.405 0.410 0.385 0.409 0.431
22 0.331 0.375 0.401 0.402 0.407 0.392 0.414 0.437
23 0.330 0.371 0.402 0.404 0.414 0.405 0.428 0.459
24 0.322 0.364 0.397 0.410 0.428 0.424 0.449 0.487
25 0.318 0.357 0.397 0.417 0.447 0.450 0.482 0.527
26 0.309 0.348 0.390 0.416 0.459 0.473 0.511 0.562
27 0.316 0.352 0.395 0.435 0.485 0.509 0.560 0.618
28 0.330 0.367 0.412 0.458 0.514 0.549 0.606 0.684
29 0.351 0.390 0.435 0.486 0.555 0.594 0.670 0.763
30 0.378 0.424 0.475 0.526 0.601 0.657 0.742 0.856
31 0.400 0.456 0.506 0.568 0.649 0.716 0.820 0.941
32 0.413 0.473 0.533 0.598 0.690 0.766 0.887 1.026
33 0.414 0.483 0.551 0.632 0.739 0.824 0.961 1.111
34 0.408 0.490 0.573 0.668 0.791 0.888 1.035 1.200
35 0.414 0.510 0.609 0.724 0.858 0.970 1.129 1.309
36 0.419 0.536 0.654 0.784 0.940 1.060 1.239 1.433
37 0.440 0.570 0.708 0.858 1.030 1.161 1.353 1.570
38 0.479 0.631 0.796 0.963 1.153 1.294 1.507 1.749
39 0.528 0.713 0.895 1.078 1.284 1.446 1.677 1.934
40 0.578 0.786 0.986 1.189 1.406 1.571 1.818 2.098
41 0.626 0.856 1.085 1.301 1.532 1.702 1.960 2.260
42 0.685 0.948 1.199 1.435 1.685 1.870 2.153 2.480
43 0.730 1.015 1.286 1.534 1.805 2.004 2.302 2.650
44 0.774 1.078 1.366 1.636 1.919 2.132 2.450 2.807
45 0.820 1.140 1.447 1.741 2.043 2.270 2.602 2.968
46 0.860 1.199 1.529 1.852 2.187 2.421 2.767 3.157
47 0.900 1.269 1.626 1.977 2.348 2.594 2.958 3.376
48 0.937 1.344 1.737 2.114 2.530 2.805 3.197 3.641
49 0.976 1.426 1.853 2.264 2.727 3.038 3.468 3.948
50 1.013 1.513 1.972 2.420 2.924 3.270 3.748 4.266
51 1.076 1.636 2.149 2.639 3.183 3.577 4.107 4.671
52 1.141 1.768 2.332 2.857 3.438 3.869 4.442 5.027
53 1.212 1.902 2.511 3.068 3.686 4.127 4.712 5.334
54 1.293 2.038 2.691 3.281 3.923 4.344 4.948 5.626
55 1.376 2.187 2.890 3.504 4.146 4.563 5.195 5.907
56 1.477 2.355 3.109 3.738 4.385 4.812 5.468 6.217
57 1.601 2.552 3.349 4.004 4.666 5.106 5.795 6.575
58 1.745 2.777 3.635 4.332 5.016 5.479 6.201 7.008
59 1.908 3.035 3.973 4.711 5.442 5.929 6.683 7.502
60 2.089 3.328 4.340 5.125 5.928 6.432 7.212 8.046
61 2.302 3.633 4.718 5.568 6.438 6.955 7.763 8.627
62 2.538 3.937 5.091 6.027 6.935 7.476 8.322 9.234
63 2.796 4.284 5.501 6.487 7.412 7.967 8.851 9.813
64 3.081 4.690 5.956 6.945 7.886 8.447 9.360 10.376
65 3.391 5.104 6.418 7.396 8.370 8.940 9.895 10.992
66 3.717 5.490 6.840 7.833 8.865 9.476 10.511 11.724
67 4.068 5.809 7.176 8.245 9.382 10.084 11.250 12.625
68 4.437 6.073 7.443 8.627 9.923 10.785 12.157 13.833
69 4.826 6.316 7.680 8.985 10.488 11.576 13.303 15.280
70 5.226 6.525 7.884 9.315 11.062 12.506 14.598 16.917
71 5.598 6.979 8.418 9.927 11.840 13.376 15.597 18.063
72 5.987 7.451 8.970 10.628 12.667 14.294 16.658 19.277
73 6.384 7.931 9.592 11.354 13.517 15.244 17.750 20.527
74 6.686 8.343 10.080 11.919 14.182 15.984 18.598 21.486
75 6.907 8.610 10.394 12.283 14.605 16.447 19.118 22.073
76 7.048 8.777 10.589 12.506 14.857 16.715 19.418 22.402
77 7.179 8.934 10.771 12.712 15.086 16.962 19.690 22.694
78 7.456 9.273 11.172 13.171 15.621 17.551 20.354 23.443
79 7.923 9.846 11.850 13.961 16.546 18.573 21.523 24.770
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 0.398 18
4 0.134 0.171 0.209 0.267 0.320 0.372 0.402 0.432 19
5 0.170 0.212 0.270 0.323 0.375 0.406 0.436 0.443 20
6 0.211 0.273 0.327 0.379 0.410 0.440 0.447 0.536 21
7 0.272 0.330 0.383 0.415 0.445 0.452 0.531 0.524 22
8 0.328 0.387 0.419 0.449 0.456 0.526 0.519 0.516 23
9 0.385 0.423 0.454 0.461 0.522 0.515 0.512 0.514 24
10 0.415 0.459 0.466 0.516 0.510 0.507 0.509 0.506 25
11 0.450 0.470 0.511 0.505 0.502 0.505 0.502 0.504 26
12 0.462 0.506 0.500 0.498 0.500 0.497 0.499 0.493 27
13 0.497 0.494 0.493 0.495 0.493 0.495 0.489 0.522 28
14 0.485 0.487 0.490 0.488 0.490 0.484 0.517 0.547 29
15 0.478 0.480 0.483 0.485 0.480 0.513 0.543 0.580 30
16 0.472 0.478 0.476 0.475 0.508 0.538 0.575 0.613 31
17 0.469 0.475 0.474 0.506 0.535 0.571 0.608 0.630 32
18 0.462 0.473 0.477 0.515 0.554 0.595 0.626 0.651 33
19 0.448 0.468 0.476 0.525 0.569 0.614 0.648 0.682 34
20 0.438 0.468 0.482 0.535 0.578 0.631 0.680 0.722 35
21 0.465 0.506 0.531 0.577 0.627 0.680 0.743 0.795 36
22 0.478 0.527 0.562 0.606 0.667 0.735 0.815 0.888 37
23 0.502 0.557 0.601 0.649 0.723 0.806 0.887 0.982 38
24 0.537 0.600 0.662 0.714 0.806 0.907 1.005 1.116 39
25 0.584 0.656 0.730 0.807 0.919 1.038 1.147 1.274 40
26 0.626 0.710 0.797 0.899 1.017 1.154 1.285 1.417 41
27 0.696 0.797 0.896 1.010 1.144 1.297 1.442 1.571 42
28 0.776 0.894 0.999 1.125 1.271 1.441 1.594 1.746 43
29 0.871 1.012 1.129 1.261 1.418 1.591 1.762 1.942 44
30 0.987 1.144 1.274 1.417 1.577 1.762 1.950 2.160 45
31 1.099 1.271 1.414 1.568 1.744 1.949 2.155 2.383 46
32 1.195 1.385 1.535 1.708 1.900 2.118 2.338 2.595 47
33 1.290 1.494 1.667 1.863 2.087 2.335 2.596 2.895 48
34 1.387 1.602 1.803 2.025 2.285 2.579 2.881 3.249 49
35 1.515 1.743 1.963 2.203 2.494 2.823 3.158 3.578 50
36 1.651 1.895 2.127 2.392 2.718 3.085 3.461 3.891 51
37 1.803 2.058 2.309 2.597 2.950 3.356 3.766 4.180 52
38 1.997 2.281 2.541 2.847 3.217 3.644 4.089 4.495 53
39 2.216 2.523 2.805 3.135 3.532 3.997 4.506 4.950 54
40 2.402 2.742 3.036 3.374 3.788 4.285 4.858 5.368 55
41 2.596 2.965 3.284 3.655 4.108 4.670 5.321 5.980 56
42 2.850 3.254 3.607 4.022 4.521 5.127 5.852 6.652 57
43 3.029 3.481 3.889 4.372 4.930 5.601 6.411 7.353 58
44 3.195 3.704 4.190 4.742 5.380 6.130 7.010 8.051 59
45 3.375 3.944 4.503 5.140 5.870 6.699 7.635 8.750 60
46 3.593 4.197 4.831 5.557 6.387 7.282 8.305 9.519 61
47 3.869 4.488 5.168 5.950 6.823 7.785 8.895 10.138 62
48 4.188 4.813 5.518 6.323 7.256 8.318 9.519 10.836 63
49 4.525 5.160 5.861 6.696 7.711 8.866 10.169 11.598 64
50 4.848 5.487 6.220 7.143 8.266 9.563 11.049 12.680 65
51 5.257 5.935 6.727 7.721 8.935 10.371 12.019 13.823 66
52 5.646 6.395 7.248 8.320 9.643 11.216 13.018 14.987 67
53 6.030 6.838 7.773 8.944 10.380 12.069 14.026 16.180 68
54 6.393 7.275 8.305 9.598 11.137 12.939 15.042 17.316 69
55 6.756 7.721 8.863 10.273 11.926 13.847 16.108 18.463 70
56 7.123 8.189 9.443 10.977 12.756 14.814 17.236 19.823 71
57 7.508 8.685 10.056 11.721 13.642 15.850 18.450 21.318 72
58 7.941 9.220 10.700 12.494 14.568 16.958 19.763 22.834 73
59 8.457 9.801 11.376 13.285 15.530 18.134 21.159 24.443 74
60 9.042 10.430 12.087 14.113 16.536 19.369 22.631 26.313 75
61 9.674 11.100 12.893 15.106 17.803 20.991 24.780 28.997 76
62 10.334 11.821 13.757 16.173 19.159 22.840 27.097 31.900 77
63 10.982 12.546 14.700 17.417 20.937 25.187 30.102 35.829 78
64 11.632 13.286 15.622 18.699 22.601 27.306 32.760 39.236 79
65 12.358 14.117 16.806 20.271 24.663 30.003 36.215 43.590 80
66 13.223 15.190 18.122 21.891 26.669 32.479 39.262 47.111 81
67 14.376 16.507 19.764 23.933 29.203 35.622 43.183 51.857 82
68 15.813 18.116 21.654 26.106 31.697 38.504 46.632 55.861 83
69 17.510 20.009 23.923 28.750 34.755 42.109 51.032 61.441 84
70 19.433 22.136 26.458 31.646 38.065 45.943 55.664 67.518 85
71 20.737 23.605 28.390 34.156 41.292 50.051 60.884 74.113 86
72 22.116 25.146 30.554 37.085 45.165 55.118 67.444 82.526 87
73 23.525 26.731 32.809 40.149 49.255 60.477 74.406 92.245 88
74 24.607 27.942 34.503 42.444 52.300 64.456 80.209 99.744 89
75 25.262 28.656 35.610 44.031 54.480 67.942 84.831 105.789 90
76 25.613 29.034 36.051 44.542 55.535 69.232 86.408 107.702 91
77 25.928 29.368 36.439 45.365 56.540 70.458 87.895 109.510 92
78 26.762 30.290 37.871 47.130 58.717 73.135 91.197 114.632 93
79 28.256 32.225 40.276 50.103 62.391 77.679 97.722 122.335 94
80 ______ ______ ______ 53.003 65.974 82.869 104.252 131.019 95
SPECIAL DAC TAX
AMENDMENT
This Amendment, effective February 15, 1993, between THE LIFE INSURANCE COMPANY
OF VIRGINIA (referred to as Ceding Company; Reinsured; you, your), and SECURITY
LIFE OF DENVER INSURANCE COMPANY (referred to as Reinsurer; we, us, our), hereby
amends and becomes a part of the Automatic Reinsurance Agreement dated November
1, 1985.
1.
The attached DAC Tax Article is hereby added to the Reinsurance Agreement.
2.
This Amendment does not alter, amend or modify the Reinsurance Agreement other
than as stated in this Amendment. This Amendment is subject to all of the terms
and conditions of the Reinsurance Agreement together with all other Amendments
and supplements thereto.
Executed in duplicate by Executed in duplicate by
THE LIFE INSURANCE SECURITY LIFE OF DENVER
COMPANY OF VIRGINIA INSURANCE COMPANY
at Richmond, Virginia at Denver, Colorado
on april 27, 1993 on May 4, 1993
By: /s/ Illegible By: /s/ Xxxxxx X. Xxxxxxxx
---------------------------------- -----------------------------------
Title __ V.P. Title 2nd VP Reinsurance
By: /s/ Illegible By: /s/ Illegible
---------------------------------- -----------------------------------
Title Illegible Title Illegible
DAC TAX ARTICLE
The Reinsured and the Reinsurer hereby agree to the following pursuant to
section 1.848-2(g)(8) of the Income Tax Regulation issued December 1992, under
section 848 of the Internal Revenue Code of 1986, as amended. This election
shall be effective for 1992 and for all subsequent taxable years for which this
Agreement remains in effect.
1. The term "party" will refer to either the Reinsured or the Reinsurer as
appropriate.
2. The terms used in this Article are defined by reference to Regulation
section 1.848-2 in effect December, 1992.
3. 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).
4. Both parties agree to exchange information pertaining to the amount of the
net consideration under this Agreement each year to ensure consistency or
as otherwise required by the Internal Revenue Service.
5. The Reinsured will submit a schedule to the Reinsurer by May 1 of each year
of its calculations of the net consideration for the preceding calender
year. This schedule of calculations will be accompanied by a statement
signed by an officer of the Reinsured stating that the Reinsured will
report such net consideration in its tax return for the preceding calender
year.
6. The Reinsurer may contest such calculation by providing an alternative
calculation to the Reinsured in writing within 30 days of the Reinsurer's
receipt of the Reinsured's calculation. If the Reinsurer does not so notify
the Reinsured, the Reinsurer will report the net consideration as
determined by the Reinsured in the Reinsurer's tax return for the previous
calendar year.
7. If the Reinsurer contests the Reinsured's calculation of the net
consideration, the parties will act in good faith to reach an agreement as
to the correct amount within thirty (30) days of the date the Reinsurer
submits its alternative calculation. If the Reinsured and the Reinsurer
reach agreement on an amount of net consideration, each party shall report
such amount in their respective tax returns for the previous calendar year.
SPECIAL DAC TAX
AMENDMENT
This Amendment, effective February 15, 1993, between THE LIFE INSURANCE COMPANY
OF VIRGINIA (referred to as Ceding Company; Reinsured; you, your), and SECURITY
LIFE OF DENVER INSURANCE COMPANY (referred to as Reinsurer; we, us, our), hereby
amends and becomes a part of the Automatic Reinsurance Agreement dated April 1,
1986.
1.
The, attached DAC Tax Article is hereby added to the Reinsurance Agreement.
2.
This Amendment does not alter, amend or modify the Reinsurance Agreement other
than as stated in this Amendment. This Amendment is subject to all of the terms
and conditions of the Reinsurance Agreement together with all other Amendments
and supplements thereto.
Executed in duplicate by Executed in duplicate by
THE LIFE INSURANCE SECURITY LIFE OF DENVER
COMPANY OF VIRGINIA INSURANCE COMPANY
at Richmond, Virginia at Denver, Colorado
on april 27, 1993 on August 23, 1993
By: /s/ Illegible By: /s/ Xxxxxx X. Xxxxxxxx
---------------------------------- -----------------------------------
Title __ V.P. Title 2nd VP Reinsurance
By: /s/ Illegible By: /s/ Illegible
---------------------------------- -----------------------------------
Title Illegible Title Illegible
DAC TAX ARTICLE
The Reinsured and the Reinsurer hereby agree to the following pursuant to
section 1.848-2(g)(8) of the Income Tax Regulation issued December 1992, under
section 848 of the Internal Revenue Code of 1986, as amended. This election
shall be effective for 1992 and for all subsequent taxable years for which this
Agreement remains in effect.
1. The term "party" will refer to either the Reinsured or the Reinsurer as
appropriate.
2. The terms used in this Article are defined by reference to Regulation
section 1.848-2 in effect December, 1992.
3. 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).
4. Both parties agree to exchange information pertaining to the amount of the
net consideration under this Agreement each year to ensure consistency or
as otherwise required by the Internal Revenue Service.
5. The Reinsured will submit a schedule to the Reinsurer by May 1 of each year
of its calculations of the net consideration for the preceding calender
year. This schedule of calculations will be accompanied by a statement
signed by an officer of the Reinsured stating that the Reinsured will
report such net consideration in its tax return for the preceding calender
year.
6. The Reinsurer may contest such calculation by providing an alternative
calculation to the Reinsured in writing within 30 days of the Reinsurer's
receipt of the Reinsured's calculation. If the Reinsurer does not so notify
the Reinsured, the Reinsurer will report the net consideration as
determined by the Reinsured in the Reinsurer's tax return for the previous
calendar year.
7. If the Reinsurer contests the Reinsured's calculation of the net
consideration, the parties will act in good faith to reach an agreement as
to the correct amount within thirty (30) days of the date the Reinsurer
submits its alternative calculation. If the Reinsured and the Reinsurer
reach agreement on an amount of net consideration, each party shall report
such amount in their respective tax returns for the previous calendar year.
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
------ ------ ------ ------ ------ ------ ------ ------
18 0.821 0.911 0.985 1.643 1.705 1.678 1.641 1.616
19 0.785 0.882 1.555 1.558 1.592 1.562 1.537 1.508
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 1.1_0 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
71 13.644 18.056 23.059 27.296 32.869 39.015 44.770 51.037
72 14.630 19.336 24.666 29.323 35.278 41.856 47.994 54.661
73 15.647 20.660 26.465 31.427 37.793 44.805 51.321 58.437
74 16.450 21.808 27.900 33.119 39.801 47.146 53.987 61.420
75 17.051 22.579 28.881 34.260 41.132 48.703 55.726 63.345
76 17.456 23.106 29.534 35.005 42.009 49.704 56.820 64.531
77 17.848 23.606 30.150 35.722 42.832 50.634 57.834 65.612
78 18.608 24.591 31.396 37.166 44.525 52.589 60.004 68.015
79 19.843 26.213 33.439 39.549 47.339 55.854 63.675 72.099
80 21.058 27.796 35.426 41.863 50.056 59.009 67.199 76.018
[x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------- ------- ------- ------- ------- -------
18 1.588 1.575 1.507 1.556 1.607 1.645 1.646 1.632 33
19 1.509 1.510 1.471 1.553 1.605 1.646 1.657 1.669 34
20 1.424 1.466 1.445 1.527 1.568 1.630 1.677 1.694 35
21 1.581 1.693 1.669 1.696 1.724 1.756 1.786 1.773 36
22 1.493 1.607 1.613 1.641 1.702 1.762 1.825 1.858 37
23 1.412 1.531 1.574 1.624 1.719 1.819 1.901 1.997 38
24 1.355 1.482 1.576 1.632 1.765 1.906 2.027 2.153 39
25 1.355 1.496 1.607 1.717 1.891 2.069 2.207 2.373 40
26 1.417 1.575 1.712 1.876 2.063 2.271 2.462 2.641 41
27 1.527 1.711 1.876 2.065 2.280 2.526 2.748 2.935 42
28 1.675 1.891 2.067 2.273 2.515 2.795 3.037 3.265 43
29 1.877 2.139 2.329 2.547 2.807 3.091 3.360 3.633 44
30 2.097 2.380 2.598 2.838 3.106 3.411 3.711 4.056 45
31 2.303 2.615 2.859 3.123 3.418 3.761 4.109 4.490 46
32 2.518 2.865 3.134 3.438 3.771 4.163 4.547 4.994 47
33 2.734 3.115 3.423 3.767 4.174 4.615 5.066 5.582 48
34 2.918 3.311 3.677 4.087 4.564 5.093 5.627 6.280 49
35 3.200 3.616 4.040 4.497 5.048 5.664 6.287 7.047 50
36 3.555 4.020 4.474 4.988 5.618 6.327 7.022 7.817 51
37 3.970 4.460 4.960 5.531 6.232 7.015 7.794 8.567 52
38 4.410 4.954 5.487 6.118 6.859 7.718 8.604 9.396 53
39 4.904 5.489 6.071 6.731 7.526 8.459 9.471 10.323 54
40 5.427 6.094 6.693 7.384 8.232 9.247 10.403 11.420 55
41 5.994 6.715 7.358 8.102 9.009 10.124 11.415 12.691 56
42 6.576 7.364 8.075 8.905 9.890 11.097 12.525 14.075 57
43 7.124 8.031 8.842 9.789 10.880 12.180 13.727 15.528 58
44 7.664 8.709 9.666 10.747 11.971 13.381 15.034 16.996 59
45 8.254 9.446 10.555 11.784 13.158 14.700 16.429 18.482 60
46 8.954 10.249 11.498 12.883 14.441 16.087 17.945 20.097 61
47 9.833 11.170 12.530 14.068 15.760 17.587 19.638 21.883 62
48 10.856 12.208 13.650 15.279 17.147 19.208 21.493 23.941 63
49 11.957 13.360 14.823 16.561 18.634 20.949 23.512 26.231 64
50 13.085 14.530 16.044 17.934 20.210 22.790 25.657 28.675 65
51 14.181 15.725 17.390 19.485 22.033 24.980 28.262 31.739 66
52 15.241 16.938 18.835 21.229 24.153 27.560 31.384 35.472 67
53 16.271 18.112 20.268 22.947 26.190 29.949 34.249 38.853 68
54 17.251 19.288 21.775 24.868 28.517 32.756 37.622 42.798 69
55 18.247 20.479 23.291 26.747 30.777 35.391 40.781 46.336 70
56 19.247 21.715 24.878 28.738 33.156 38.236 44.205 50.510 71
57 20.283 23.0_1 26.505 30.680 35.469 40.962 47.384 54.456 72
58 21.453 24.461 28.198 32.715 37.925 43.885 50.886 58.506 73
59 22.859 26.000 30.066 35.002 40.779 47.495 55.278 63.732 74
60 24.436 27.676 31.986 37.234 43.530 50.881 59.355 68.840 75
61 26.152 29.491 34.118 39.843 46.801 55.023 64.707 75.384 76
62 27.971 31.450 36.358 42.457 49.987 59.170 69.661 81.401 77
63 29.766 33.463 38.766 45.431 53.975 64.141 75.743 89.037 78
64 31.609 35.544 41.302 48.813 58.222 69.436 82.191 97.072 79
65 33.682 37.915 44.355 52.558 62.848 75.118 89.049 105.289 80
66 36.179 40.935 47.922 56.834 67.961 81.208 96.346 113.462 81
67 39.468 44.627 52.206 61.766 73.633 87.800 104.071 122.175 82
68 43.554 4_.168 57.339 67.451 79.960 94.870 112.211 131.279 83
69 48.415 54.508 63.258 73.873 86._51 102.362 120.716 141.469 84
70 53.933 60.517 69.896 80.897 94.235 110.237 129.536 152.470 85
71 57.754 64.788 74.947 86.858 101.2_8 118.594 139.477 163.086 86
72 61.841 69.305 80.491 93.623 109.5_9 128.580 151.575 176.249 87
73 66.053 73.958 86.248 100.646 118.093 138.993 163.059 191.381 88
74 69.360 77.602 90.609 105.874 124.343 146.473 172.284 202.506 89
75 71.475 79._75 93.414 109.272 128.446 152.563 178.961 210.659 90
76 72.733 81._14 9_.879 110.876 131.200 155.399 182.270 214.483 91
77 73.888 82.416 96.190 113.154 133.793 158.109 185.392 218.093 92
78 76.513 85.263 100.173 117.749 139.167 163.753 192.014 227.703 93
79 81.030 90.895 106.708 125.377 148.089 173.186 204.771 243.017 94
80 86.000 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
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 ______ ______ ______ ______ ______ ______ ______ 45.108 52.078
[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 0.642 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 16.0_5 19.000 22.679 27.312 32.862 39.344 46.761 77
63 17.5_2 20.775 24.907 30.083 36.360 43.676 52.244 78
64 19.1_9 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 28.83_ 34.245 41.031 49.557 59.939 72.285 86.266 83
69 32.65_ 38.607 45.940 55.067 66.183 79.627 95.256 84
70 37.05_ 43.609 51.466 61.143 72.982 87.553 105.249 85
71 40.55_ 47.837 56.549 67.300 80.451 96.648 114.939 86
72 44.376 52.575 62.413 74.551 89.424 107.443 126.935 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
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 9.398 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 22.968 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
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 40.336 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 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
[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._88 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 78.5_8 93.196 87
73 30.530 37.391 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
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 l.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 13.422 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 l.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 21.968 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 25.038 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 11.319 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 42.569 49.550 57.443 78
64 12.280 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 25.321 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 34.0_0 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 44.37_ 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 41.131 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
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 0.415 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 1.287 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 5.502 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 0.452 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 41
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 6.1_4 56
42 3.173 3.554 4.003 4.544 5.206 6.001 6.891 57
43 3.39_ 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 14.058 16.519 19.125 70
56 7.986 9.303 10.923 12.821 15.040 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 36.999 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 21.946 35.078 43._11 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 45.1_9 56.826 71.324 87.520 107.806 92
78 29.540 37.305 46.8_4 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 (1000qx)
DOMINION LIFE 881
MEDICAL UNPROJECTED
FEMALE PREFERRED NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7
----- ----- ----- ----- ------ ------ ------ ------
0 0.402 0.254 0.211 0.172 0.161 0.147 0.136 0.122
1 0.402 0.254 0.211 0.172 0.161 0.147 0.136 0.122
2 0.254 0.197 0.172 0.156 0.141 0.136 0.122 0.112
3 0.197 0.160 0.156 0.136 0.131 0.122 0.112 0.108
4 0.160 0.145 0.136 0.126 0.117 0.112 0.108 0.108
5 0.145 0.127 0.126 0.113 0.107 0.108 0.108 0.115
6 0.127 0.118 0.113 0.104 0.104 0.108 0.115 0.147
7 0.118 0.106 0.104 0.100 0.104 0.115 0.147 0.182
8 0.106 0.097 0.100 0.100 0.111 0.147 0.182 0.234
9 0.097 0.094 0.100 0.107 0.141 0.182 0.234 0.283
10 0.094 0.094 0.107 0.136 0.174 0.234 0.283 0.332
11 0.094 0.100 0.136 0.168 0.224 0.283 0.332 0.374
12 0.100 0.127 0.168 0.217 0.271 0.332 0.374 0.405
13 0.127 0.157 0.217 0.262 0.318 0.374 0.405 0.416
14 0.157 0.203 0.262 0.308 0.358 0.405 0.416 0.309
15 0.200 0.242 0.301 0.337 0.375 0.409 0.309 0.296
16 0.242 0.281 0.324 0.347 0.375 0.303 0.296 0.287
17 0.284 0.305 0.340 0.352 0.287 0.292 0.285 0.278
18 0.290 0.308 0.342 0.268 0.280 0.279 0.272 0.267
19 0.283 0.304 0.255 0.255 0.262 0.260 0.256 0.251
20 0.269 0.221 0.242 0.240 0.244 0.239 0.240 0.235
21 0.194 0.214 0.237 0.234 0.236 0.232 0.237 0.238
22 0.185 0.206 0.232 0.229 0.230 0.231 0.233 0.234
23 0.181 0.200 0.228 0.225 0.229 0.232 0.233 0.237
24 0.174 0.193 0.222 0.224 0.230 0.236 0.236 0.243
25 0.169 0.186 0.217 0.222 0.233 0.241 0.245 0.255
26 0.161 0.178 0.207 0.214 0.231 0.245 0.252 0.266
27 0.161 0.175 0.204 0.216 0.236 0.256 0.270 0.287
28 0.164 0.177 0.205 0.220 0.243 0.270 0.287 0.313
29 0.169 0.181 0.209 0.227 0.256 0.287 0.313 0.345
30 0.175 0.190 0.221 0.240 0.273 0.313 0.342 0.382
31 0.179 0.198 0.231 0.254 0.290 0.337 0.373 0.415
32 0.180 0.201 0.239 0.264 0.305 0.356 0.399 0.446
33 0.176 0.202 0.243 0.275 0.322 0.378 0.426 0.477
34 0.171 0.202 0.250 0.287 0.340 0.402 0.453 0.509
35 0.171 0.208 0.262 0.307 0.365 0.433 0.488 0.551
36 0.171 0.215 0.278 0.329 0.394 0.468 0.532 0.598
37 0.177 0.226 0.297 0.355 0.427 0.508 0.576 0.650
38 0.190 0.247 0.329 0.394 0.474 0.562 0.636 0.721
39 0.207 0.275 0.366 0.437 0.523 0.622 0.705 0.800
40 0.223 0.300 0.400 0.478 0.568 0.674 0.767 0.872
41 0.239 0.324 0.436 0.519 0.617 0.733 0.831 0.943
42 0.259 0.356 0.478 0.570 0.681 0.808 0.916 1.039
43 0.274 0.378 0.511 0.612 0.733 0.870 0.983 1.115
44 0.288 0.400 0.545 0.655 0.782 0.929 1.051 1.190
45 0.304 0.424 0.579 0.700 0.836 0.993 1.125 1.274
46 0.320 0.448 0.615 0.747 0.898 1.068 1.211 1.373
47 0.336 0.476 0.656 0.801 0.972 1.159 1.312 1.487
48 0.351 0.506 0.704 0.864 1.061 1.269 1.436 1.631
49 0.368 0.539 0.757 0.937 1.158 1.391 1.585 1.800
50 0.383 0.577 0.816 1.014 1.258 1.524 1.742 1.980
51 0.410 0.632 0.900 1.120 1.393 1.697 1.944 2.208
52 0.441 0.691 0.989 1.233 1.531 1.868 2.141 2.432
53 0.474 0.753 1.084 1.348 1.671 2.029 2.324 2.642
54 0.512 0.821 1.182 1.467 1.811 2.186 2.499 2.842
55 0.554 0.897 1.292 1.596 1.959 2.352 2.676 3.043
56 0.606 0.983 1.416 1.742 2.122 2.528 2.873 3.268
57 0.668 1.085 1.561 1.911 2.302 2.737 3.107 3.529
58 0.742 1.208 1.735 2.108 2.524 2.997 3.393 3.841
59 0.830 1.352 1.934 2.338 2.794 3.310 3.735 4.202
60 0.931 1.512 2.154 2.596 3.107 3.667 4.118 4.606
61 1.046 1.683 2.390 2.879 3.446 4.052 4.532 5.051
62 1.176 1.861 2.632 3.183 3.793 4.452 4.968 5.532
63 1.322 2.067 2.905 3.500 4.145 4.852 5.407 6.019
64 1.487 2.312 3.213 3.830 4.509 5.264 5.854 6.519
65 1.671 2.570 3.540 4.171 4.898 5.704 6.339 7.079
66 1.872 2.826 3.858 1.521 5.310 6.193 6.903 7.744
67 2.094 3.058 4.142 4.872 5.758 6.755 7.577 8.558
68 2.336 3.272 4.398 5.222 6.242 7.410 8.403 9.565
69 2.600 3.484 4.649 5.575 6.766 8.163 9.380 10.784
70 2.883 3.686 4.892 5.928 7.324 8.996 10.506 12.189
71 3.163 4.041 5.357 6.483 7.996 9.820 11.459 13.294
72 3.467 4.426 5.859 7.080 8.732 10.713 12.501 14.498
73 3.792 4.834 6.390 7.720 9.513 11.670 13.612 15.785
74 4.076 5.188 6.854 8.274 10.195 12.505 14.582 16.900
75 4.295 5.464 7.215 8.710 10.729 13.155 15.334 17.768
76 4.473 5.687 7.508 9.062 11.158 13.677 15.938 18.465
77 4.651 5.912 7.805 9.417 11.590 14.203 16.549 19.167
78 _____ _____ _____ _____ ______ ______ ______ ______
[x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT
------ ------ ------ ------ ------ ------ ------ ------
0 0.112 0.108 0.108 0.115 0.147 0.182 0.234 0.283 15
1 0.112 0.108 0.108 0.115 0.147 0.182 0.234 0.283 16
2 0.108 0.108 0.115 0.147 0.182 0.234 0.283 0.332 17
3 0.108 0.115 0.147 0.182 0.234 0.283 0.332 0.374 18
4 0.115 0.147 0.182 0.234 0.283 0.332 0.374 0.405 19
5 0.147 0.182 0.234 0.283 0.332 0.374 0.405 0.416 20
6 0.182 0 234 0 283 0.332 0.374 0.405 0.416 0.326 21
7 0.234 0.283 0.332 0.374 0.405 0.416 0.323 0.313 22
8 0.283 0.332 0.374 0.405 0.416 0.320 0.310 0.303 23
9 0.332 0.374 0.405 0.416 0.317 0.307 0.300 0.296 24
10 0.374 0.405 0.416 0.314 0.304 0.297 0.293 0.287 25
11 0.405 0.416 0.311 0.302 0.295 0.291 0.284 0.280 26
12 0.416 0.309 0.299 0.292 0.288 0.282 0.278 0.268 27
13 0.309 0.296 0.289 0.286 0.279 0.275 0.266 0.276 28
14 0.296 0.287 0.283 0.277 0.273 0.264 0.274 0.281 29
15 0.287 0.278 0.274 0.271 0.261 0.272 0.279 0.287 30
16 0.278 0.272 0.266 0.259 0.269 0.276 0.285 0.293 31
17 0.272 0.265 0.258 0.268 0.275 0.283 0.291 0.293 32
18 0.263 0.259 0.253 0.264 0.275 0.285 0.291 0.296 33
19 0.249 0.249 0.245 0.260 0.273 0.285 0.294 0.304 34
20 0.237 0.241 0.239 0.256 0.269 0.287 0.303 0.318 35
21 0.244 0.252 0.255 0.269 0.285 0.304 0.327 0.345 36
22 0.242 0.253 0.262 0.276 0.298 0.324 0.354 0.381 37
23 0.246 0.260 0.274 0.290 0.318 0.350 0.380 0.416 38
24 0.255 0.274 0.296 0.315 0.350 0.389 0.425 0.466 39
25 0.271 0.294 0.322 0.351 0.394 0.439 0.479 0.526 40
26 0.285 0.314 0.347 0.386 0.430 0.482 0.530 0.577 41
27 0.313 0.348 0.385 0.428 0.478 0.535 0.588 0.635 42
28 0.345 0.385 0.424 0.471 0.525 0.587 0.644 0.700 43
29 0.382 0.430 0.473 0.521 0.578 0.643 0.706 0.772 44
30 0.427 0.480 0.527 0.578 0.638 0.706 0.775 0.855 45
31 0.469 0.526 0.577 0.635 0.699 0.775 0.853 0.948 46
32 0.504 0.566 0.622 0.685 0.756 0.839 0.929 1.036 47
33 0.537 0.608 0.670 0.742 0.827 0.929 1.036 1.160 48
34 0.573 0.644 0.719 0.803 0.909 1.030 1.155 1.308 49
35 0.621 0.696 0.779 0.877 0.996 1.132 1.271 1.446 50
36 0.671 0.753 0.848 0.956 1.090 1.242 1.398 1.585 51
37 0.730 0.821 0.924 1.042 1.188 1.356 1.534 1.724 52
38 0.812 0 914 1.021 1.147 1.301 1.485 1.686 1.878 53
39 0.905 1.015 1.131 1.269 1.439 1.649 1.882 2.094 54
40 0.984 1.107 1.230 1.376 1.563 1.790 2.055 2.311 55
41 1.068 1.202 1.341 1.509 1.717 1.976 2.290 2.619 56
42 1.178 1.330 1.491 1.682 1.914 2.207 2.563 2.967 57
43 1.262 1.441 1.628 1.852 2.123 2.454 2.858 3.339 58
44 1.347 1.553 1.776 2.044 2.358 2.733 3.183 3.742 59
45 1.441 1.675 1.943 2.254 2.619 3.042 3.548 4.165 60
46 1.554 1.813 2.121 2.481 2.901 3.384 3.953 4.620 61
47 1.702 1.973 2.310 2.705 3.172 3.705 4.317 5.019 62
48 1.876 2.154 2.511 2.942 3.455 4.037 4.712 5.474 63
49 2.063 2.352 2.730 3.191 3.744 4.389 5.136 5.980 64
50 2.251 2.559 2.967 3.471 4.093 4.830 5.696 6.678 65
51 2.498 2.835 3.272 3.826 4.515 5.347 6.328 7.438 66
52 2.748 3.114 3.596 4.207 4.974 5.906 7.004 8.244 67
53 2.992 3.397 3.935 4.617 5.468 6.494 7.713 9.101 68
54 3.235 3.688 4.292 5.060 5.995 7.116 8.460 9.967 69
55 3.489 3.995 4.677 5.534 6.562 7.789 9.271 10.880 70
56 3.755 4.327 5.092 6.044 7.178 8.527 10.156 11.967 71
57 4.042 4.690 5.543 6.600 7.855 9.340 11.136 13.191 72
58 4.368 5.089 6.031 7.200 8.588 10.237 12.227 14.492 73
59 4.755 5.532 6.562 7.837 9.378 11.220 13.426 15.921 74
60 5.200 6._25 7.138 8.529 10.236 12.292 14.738 17.482 75
61 5.693 6.164 7.799 9.357 11.302 13.671 16.461 19.664 76
62 6.225 7._61 8.531 10.275 12.483 15.174 18.372 22.084 77
63 6.777 7.790 9.349 11.356 13.915 17.079 20.836 25.336 78
64 7.358 8.461 10.196 12.437 15.332 18.903 23.162 28.354 79
65 8.018 9.227 11.189 13.760 17.080 21.215 26.166 32.206 80
66 8.804 10.127 12.315 15.171 18.865 23.470 29.004 35.605 81
67 9.764 11.232 13.711 16.942 21.111 26.317 32.631 40.108 82
68 10.962 12.585 15.344 18.886 23.427 29.098 36.060 44.241 83
69 12.392 14.198 17.324 21.264 26.276 32.566 40.409 49.859 84
70 14.048 16.052 19.589 23.942 29.450 36.384 45.163 56.170 85
71 15.319 17.500 21.501 26.444 32.713 40.614 50.642 61.521 86
72 16.704 1_.070 23.680 29.401 36.664 45.852 57.213 68.357 87
73 18.175 2_.745 26.038 32.615 40.991 51.611 62.974 75.896 88
74 19.455 2_.206 28.057 35.348 44.652 56.394 67.777 82.180 89
75 20.452 2_.334 29.687 37.618 47.746 59.517 71.937 87.684 90
76 21.247 21.237 30.832 39.064 49.553 61.239 74.126 90.451 91
77 22.050 2_._50 31.991 40.507 51.373 62.984 76.332 93.252 92
78 ______ ______ ______ ______ ______ ______ ______ ______ 93
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 l.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 l.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 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 2.767 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 28.738 33.156 38.236 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 61.76_ 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 63.517 69.896 80.897 94.235 110.237 129.536 152.470 85
71 6_.788 74.947 86.858 101.298 118.594 139.477 163.086 86
72 6_.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._09 105.874 124.343 146.473 172.284 202.506 89
75 79.875 93.414 109.272 128.446 152.563 178.961 210.659 90
76 _1.214 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
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 21.259 25.406 29.937 70
56 11.264 13.389 16.045 19.203 22.968 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
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 40.336 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 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 _____ _____ 10.880 13.177 16.289 20.050 23.456 27.277 31.502
77 _____ _____ ______ ______ ______ ______ 24.446 28.418 32.809
78 _____ _____ ______ ______ ______ ______ ______ ______ ______
[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 0.5_6 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 2.0__ 2.413 2.826 3.333 3.918 57
43 1.770 2.022 2.32_ 2.700 3.157 3.721 4.396 58
44 1.942 2.240 2.59_ 3.023 3.533 4.145 4.929 59
45 2.134 2.487 2.90_ 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._00 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._04 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._79 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._03 10.320 12.626 15.527 19.104 23.482 28.527 75
61 9._76 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 18._80 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 13._68 22.201 27.381 34.052 42.424 52.717 64.849 83
69 20._74 25.029 30.657 37.839 46.843 58.071 71.608 84
70 23._42 28.272 34.345 42.014 51.655 63.852 79.120 85
71 25._47 31.013 37.737 46.245 56.942 70.484 85.409 86
72 27._57 34.084 41.650 51.227 63.292 78.578 93.196 87
73 30._30 37.397 45.880 56.635 70.186 85.372 101.594 88
74 32._02 40.258 49.478 61.173 75.922 90.758 108.398 89
75 34._96 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._41 46.137 56.688 70.049 84.997 101.145 121.419 92
78 ______ ______ ______ ______ ______ _______ _______ 93
EXPECTED MORTALITY ASSUMPTIONS (1000qx)
DOMINION LIFE 881
MEDICAL UNPORJECTED
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 ______ ______ ______ ______ ______ 33.177 38.803 45.108 52.078
78 ______ ______ ______ ______ ______ ______ ______ ______ ______
[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 0.642 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 3_.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 ______ ______ ______ _______ _______ _______ _______ 93
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 [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 l.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 l.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]+11 [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 25.038 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 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 75.640 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 73.7_6 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
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 1.287 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._36 6.292 7.293 8.445 9.762 11.225 63
49 4.496 5.033 5._74 6.663 7.750 9.002 10.428 12.014 64
50 4.817 5.351 6._28 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 8.18_ 9.550 11.193 13.136 15.425 17.936 69
55 6.712 7.530 8.731 10.222 11.987 14.058 16.519 19.125 70
56 7.077 7.986 9.303 10.923 12.821 15.040 17.675 20.534 71
57 7.460 8.471 9.906 11.662 13.711 16.091 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._06 22.716 27.722 33.594 40.642 79
65 12.278 13.767 16.555 20._70 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 26.0_8 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 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 0.305 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 2.180 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 _____ 5._12 7.805 9.417 11.590 14.203 16.549 19.167 22.050
78 _____ _____ _____ _____ ______ ______ ______ ______ ______
[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 0.638 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 1.356 1.534 1.724 52
38 0 914 1.021 1.147 1.301 1.485 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 7.16_ 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 14.798 17.324 2_.264 26.2_6 32.566 40.409 49.859 84
70 16._52 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 62.9_4 75.896 88
74 22.206 28.057 35.348 44.652 56.394 67.777 82.180 89
75 2_.334 29.687 37.618 47.746 59.517 71.937 87.684 90
76 2_.237 30.832 39.064 49.553 61.239 74.126 90.451 91
77 2_.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
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
-- ----- ------ ------ ------ ------ ------ ------ ------
0 0.543 0.339 0.259 0.209 0.187 0.161 0.150 0.134
1 0.543 0.339 0.259 0.209 0.187 0.161 0.150 0.134
2 0.343 0.262 0.211 0.189 0.163 0.150 0.134 0.123
3 0.265 0.214 0.191 0.165 0.152 0.134 0.123 0.119
4 0.216 0.194 0.167 0.154 0.136 0.123 0.119 0.119
5 0.196 0.169 0.155 0.138 0.124 0.119 0.119 0.127
6 0.171 0.157 0.139 0.126 0.121 0.119 0.127 0.161
7 0.159 0.141 0.127 0.122 0.121 0.127 0.161 0.200
8 0.143 0.129 0.124 0.122 0.128 0.161 0.200 0.257
9 0.131 0.125 0.124 0.130 0.163 0.200 0.257 0.311
10 0.126 0.125 0.131 0.165 0.202 0.257 0.311 0.365
11 0.126 0.133 0.167 0.205 0.260 0.311 0.365 0.411
12 0.135 0.169 0.207 0.264 0.315 0.365 0.411 0.445
13 0.171 0.210 0.267 0.319 0.369 0.411 0.445 0.457
14 0.212 0.270 0.323 0.374 0.416 0.445 0.457 0.490
15 0.269 0.323 0.371 0.409 0.435 0.449 0.490 0.470
16 0.326 0.375 0.398 0.421 0.435 0.481 0.470 0.455
17 0.383 0.407 0.418 0.428 0.482 0.464 0.453 0.442
18 0.391 0.411 0.421 0.470 0.469 0.443 0.431 0.424
19 0.381 0.405 0.453 0.448 0.439 0.413 0.406 0.399
20 0.362 0.425 0.430 0.421 0.409 0.379 0.381 0.373
21 0.379 0.413 0.421 0.411 0.396 0.368 0.376 0.378
22 0.361 0.397 0.411 0.401 0.386 0.367 0.369 0.371
23 0.353 0.385 0.405 0.395 0.385 0.369 0.371 0.376
24 0.338 0.372 0.394 0.393 0.386 0.374 0.375 0.385
25 0.329 0.358 0.385 0.389 0.391 0.383 0.389 0.405
26 0.314 0.342 0.368 0.376 0.388 0.389 0.400 0.422
27 0.314 0.336 0.362 0.379 0.395 0.407 0.429 0.456
28 0.319 0.340 0.364 0.386 0.407 0.429 0.456 0.497
29 0.329 0.348 0.371 0.398 0.429 0.456 0.497 0.547
30 0.342 0.366 0.393 0.421 0.457 0.497 0.543 0.606
31 0.349 0.382 0.410 0.446 0.487 0.534 0.592 0.658
32 0.351 0.388 0.424 0.464 0.511 0.565 0.633 0.709
33 0.344 0.388 0.432 0.483 0.540 0.599 0.677 0.757
34 0.333 0.389 0.443 0.504 0.570 0.638 0.720 0.808
35 0.332 0.400 0.465 0.539 0.611 0.688 0.775 0.874
36 0.332 0.414 0.493 0.577 0.661 0.742 0.844 0.949
37 0.344 0.435 0.527 0.623 0.715 0.806 0.914 1.031
38 0.370 0.475 0.585 0.691 0.794 0.892 1.010 1.144
39 0.403 0.531 0.650 0.767 0.877 0.988 1.119 1.271
40 0.435 0.578 0.710 0.839 0.953 1.069 1.218 1.384
41 0.465 0.624 0.775 0.910 1.034 1.163 1.318 1.497
42 0.505 0.685 0.849 1.000 1.142 1.283 1.454 1.649
43 0.534 0.728 0.907 1.074 1.228 1.380 1.561 1.769
44 0.562 0.770 0.967 1.149 1.311 1.475 1.668 1.889
45 0.592 0.817 1.029 1.228 1.401 1.577 1.786 2.023
46 0.624 0.863 1.092 1.311 1.506 1.695 1.923 2.179
47 0.655 0.917 1.166 1.406 1.630 1.839 2.082 2.360
48 0.685 0.975 1.250 1.516 1.779 2.014 2.279 2.589
49 0.716 1.039 1.344 1.644 1.941 2.209 2.515 2.857
50 0.747 1.111 1.449 1.779 2.108 2.419 2.766 3.143
51 0.800 1.216 1.599 1.964 2.335 2.693 3.086 3.504
52 0.859 1.332 1.757 2.164 2.567 2.965 3.398 3.860
53 0.924 1.451 1.925 2.365 2.801 3.221 3.689 4.194
54 0.998 1.581 2.100 2.574 3.036 3.470 3.967 4.511
55 1.080 1.727 2.296 2.800 3.284 3.733 4.248 4.831
56 1.180 1.893 2.515 3.057 3.557 4.013 4.560 5.188
57 1.302 2.089 2.772 3.354 3.859 4.344 4.931 5.601
58 1.446 2.326 3.082 3.700 4.231 4.756 5.386 6.097
59 1.618 2.604 3.434 4.103 4.684 5.254 5.928 6.669
60 1.814 2.911 3.827 4.555 5.209 5.821 6.537 7.311
61 2.038 3.242 4.244 5.052 5.777 6.432 7.193 8.017
62 2.292 3.585 4.675 5.585 6.358 7.067 7.885 8.781
63 2.576 3.982 5.159 6.142 6.947 7.701 8.582 9.554
64 2.897 4.452 5.708 6.721 7.559 8.355 9.291 10.347
65 3.257 4.951 6.287 7.320 8.210 9.054 10.062 11.236
66 3.649 5.443 6.853 7.933 8.901 9.830 10.956 12.292
67 4.081 5.889 7.357 8.549 9.651 10.722 12.027 13.585
68 4.552 6.301 7.811 9.163 10.463 11.762 13.339 15.183
69 5.067 6.709 8.257 9.783 11.341 12.957 14.889 17.117
70 5.618 7.100 8.688 10.402 12.277 14.279 16.676 19.348
71 6.164 7.784 9.515 11.376 13.404 15.587 18.189 21.101
72 6.757 8.524 10.406 12.424 14.636 17.006 19.843 23.013
73 7.390 9.310 11.350 13.547 15.945 18.524 21.607 25.055
74 7.943 9.991 12.173 14.518 17.088 19.849 23.147 26.826
75 8.370 10.524 12.815 15.283 17.983 20.881 24.339 28.203
76 8.717 10.952 13.335 15.901 18.704 21.709 25.298 29.310
77 _.___ __.___ 13.863 16.525 19.427 22.544 26.268 30.424
78 _.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___
__ [x]+8 [x]+9 [x]+10 [x]+ll [x]+12 [x]+13 [x]+14 ULT
-- ------ ------ ------ ------ ------ ------ ------- -------
0 0.123 0.119 0.119 0.127 0.161 0.200 0.257 0.311 15
1 0.123 0.119 0.119 0.127 0.161 0.200 0.257 0.311 16
2 0.119 0.119 0.127 0.161 0.200 0.257 0.311 0.365 17
3 0.119 0.127 0.161 0.200 0.257 0.311 0.365 0.411 18
4 0.127 0.161 0.200 0.257 0.311 0.365 0.411 0.445 19
5 0.161 0.200 0.257 0.311 0.365 0.411 0.445 0.457 20
6 0.200 0.257 0.311 0.365 0.411 0.445 0.457 0.433 21
7 0.257 0.311 0.365 0.411 0.445 0.457 0.443 0.416 22
8 0.311 0.365 0.411 0.445 0.457 0.452 0.425 0.403 23
9 0.365 0.411 0.445 0.457 0.462 0.434 0.411 0.394 24
10 0.411 0.445 0.457 0.471 0.443 0.420 0.402 0.381 25
11 0.445 0.457 0.480 0.452 0.429 0.411 0.390 0.373 26
12 0.457 0.490 0.461 0.438 0.419 0.398 0.381 0.357 27
13 0.490 0.470 0.446 0.428 0.406 0.389 0.365 0.368 28
14 0.470 0.455 0.436 0.415 0.397 0.373 0.376 0.374 29
15 0.455 0.441 0.423 0.405 0.380 0.384 0.382 0.382 30
16 0.441 0.431 0.410 0.388 0.392 0.390 0.390 0.390 31
17 0.431 0.421 0.399 0.402 0.400 0.400 0.399 0.390 32
18 0.418 0.410 0.391 0.396 0.400 0.403 0.399 0.393 33
19 0.395 0.395 0.378 0.390 0.397 0.403 0.404 0.405 34
20 0.376 0.383 0.369 0.384 0.391 0.405 0.416 0.423 35
21 0.387 0.399 0.393 0.403 0.415 0.429 0.448 0.459 36
22 0.384 0.401 0.404 0.413 0.433 0.457 0.485 0.506 37
23 0.390 0.413 0.422 0.435 0.463 0.495 0.521 0.553 38
24 0.405 0.434 0.456 0.472 0.510 0.550 0.583 0.620 39
25 0.431 0.466 0.497 0.526 0.573 0.621 0.657 0.699 40
26 0.453 0.498 0.535 0.578 0.626 0.681 0.727 0.768 41
27 0.497 0.552 0.594 0.641 0.696 0.756 0.806 0.845 42
28 0.547 0.611 0.654 0.705 0.764 0.830 0.884 0.931 43
29 0.606 0.682 0.729 0.780 0.842 0.908 0.969 1.027 44
30 0.678 0.761 0.812 0.866 0.928 0.998 1.063 1.138 45
31 0.745 0.835 0.891 0.951 1.018 1.095 1.170 1.261 46
32 0.800 0.899 0.959 1.027 1.100 1.185 1.274 1.378 47
33 0.853 0.962 1.033 1 111 1.204 1.312 1.421 1.544 48
34 0.909 1.023 1.108 1.203 1.323 1.455 1.583 1.740 49
35 0.986 1.104 1.202 1.314 1.450 1.599 1.743 1.923 50
36 1.066 1.195 1.307 1.433 1.586 1.754 1.917 2.109 51
37 1.159 1.303 1.425 1._62 1.728 1.916 2.104 2.294 52
38 1.289 1.451 1.575 1.719 1.893 2.098 2.313 2.498 53
39 1.436 1.611 1.745 1.901 2.095 2.329 2.581 2.786 54
40 1.562 1.758 1.897 2.062 2.275 2.529 2.818 3.074 55
41 1.695 1.909 2.069 2.262 2.499 2.792 3.140 3.484 56
42 1.869 2.111 2.300 2.521 2.785 3.118 3.514 3.946 57
43 2.002 2.287 2.511 2.775 3.090 3.467 3.919 4.442 58
44 2.139 2.464 2.740 3.062 3.431 3.862 4.364 4.978 59
45 2.288 2.658 2.996 3.377 3.811 4.298 4.865 5.541 60
46 2.467 2.878 3.271 3.717 4.222 4.782 5.420 6.145 61
47 2.702 3.131 3.563 4.053 4.616 5.235 5.919 6.676 62
48 2.977 3.419 3.874 4.409 5.028 5.703 6.460 7.281 63
49 3.274 3.733 4.211 4.782 5.448 6.201 7.042 7.955 64
50 3.573 4.062 4.577 5.201 5.957 6.824 7.811 8.883 65
51 3.964 4.500 5.046 5.733 6.571 7.555 8.677 9.895 66
52 4.361 4.944 5.546 6.304 7.239 8.345 9.603 10.966 67
53 4.749 5.391 6.069 6.919 7.958 9.175 10.576 12.107 68
54 5.135 5.854 6.620 7.582 8.724 10.054 11.600 13.259 69
55 5.537 6.342 7.214 8.292 9.550 11.005 12.712 14.474 70
56 5.960 6.868 7.855 9.057 10.446 12.048 13.925 15.919 71
57 6.415 7.444 8.549 9.890 11.432 13.196 15.269 17.547 72
58 6.934 8.077 9.303 10.789 12.498 14.463 16.765 19.277 73
59 7.548 8.781 10.122 11.744 13.648 15.853 18.410 21.179 74
60 8.253 9.563 11.010 12.780 14.896 17.366 20.209 23.256 75
61 9.036 10.419 12.030 14.022 16.448 19.316 22.571 26.158 76
62 9.882 11.366 13.158 15.396 18.167 21.439 25.191 29.378 77
63 10.757 12.365 14.421 17.017 20.251 24.131 28.570 33.703 78
64 11.679 13.430 15.728 18.637 22.312 26.707 31.759 37.718 79
65 12.726 14.645 17.259 20.620 24.857 29.974 35.879 42.841 80
66 13.975 16.075 18.995 22.733 27.455 33.160 39.770 47.364 81
67 15.499 17.829 2_.150 25.387 30.723 37.183 44.743 53.353 82
68 17.400 19.976 2_.669 28.300 34.093 41.112 49.445 58.852 83
69 19.670 22.536 26.722 31.863 38.240 46.012 55.409 66.325 84
70 22.298 25.479 30.216 35.877 42.859 51.405 61.928 74.720 85
71 24.316 27.778 33.165 39.627 47.608 57.382 69.441 82.964 86
72 26.514 30.270 36.527 44.057 53.357 64.783 78.389 93.496 87
73 28.850 32.929 40.163 48.873 59.654 72.920 87.537 105.112 88
74 30.881 35.247 43.278 52.969 64.981 79.148 95.165 114.793 89
75 32.464 37.038 45._91 56.371 69.484 84.257 101.772 123.273 90
76 33.726 38.471 47._58 58.537 72.114 87.076 105.249 127.535 91
77 35.001 39.921 49._45 60.700 74.757 89.931 108.751 131.851 92
78 __.___ __.___ 52._14 64.215 78.546 94.581 114.487 138.855 93
Amendment No. 23
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to agree to the following:
1. Exhibit B, PLANS REINSURED/REINSURANCE PREMIUM RATES/RECAPTURE PERIOD,
shall be amended to include:
Accelerated Benefit Rider - Form No. P4047 5/93 issued on or after
September 1, 1993.
There shall be no reinsurance premium for this rider.
2. The effective date of this amendment is September 1, 1993.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By: /s/ Illegible By: /s/ Xxxxxx X. Xxxxxxxx
---------------------------------- -----------------------------------
Title: Second V.P. Title: VP Reinsurance
Date: November 15, 1993 Date: Nov. 4, 1993
THE LIFE INSURANCE COMPANY OF VIRGINIA
ACCELERATED BENEFIT RIDER
This rider adds an accelerated benefit to the Policy, subject to the conditions
described below. The term you as used in this rider, refers to the Owner of the
Policy.
Notice: As of the effective date of this rider, it is uncertain what effect the
receipt of benefits under this rider will have on your Federal Income Tax.
Please consult your personal tax advisor prior to requesting such benefits.
Upon your election and subject to the provisions of this rider, we will pay you
an accelerated benefit if an insured person is terminally ill. Such terminally
ill insured person will hereafter be referred to as the Claimant. Payment will
be made in a lump sum.
Terminal Illness
Terminal illness is a medical condition, resulting from bodily injury, or
disease, or both:
. which has been diagnosed by a licensed physician; and
. for which the diagnosis is supported by clinical, radiological,
laboratory or other evidence of the medical condition which is
satisfactory to us; and
. which a licensed physician certifies is expected to result in death
within 12 months.
Before payment of any accelerated benefit, we will require satisfactory proof
that the Claimant has a terminal illness. Satisfactory proof will include a
properly completed claim form and a written statement from a licensed physician.
The licensed physician must be someone other than you or the Claimant. We
reserve the right to obtain a second medical opinion at our expense.
Eligible Proceeds
Eligible Proceeds means the amount we would pay under this policy at the death
of the Claimant, excluding any Accidental Death Benefit, subject to a maximum of
$250,000 for the total of all of our policies or certificates covering the
Claimant. Any adjustment which would be made to the amount payable at the death
of the insured, as described in the policy, will also be made to the Eligible
Proceeds.
Living Benefit
The Living Benefit is the amount of the accelerated benefit that we will pay to
you under this rider.
The Living Benefit is equal to the Eligible Proceeds, actuarially reduced to
reflect:
. the life expectancy of the Claimant, as determined by us; and
. the amount of future premiums required to keep the policy in force for
a 12 month period beginning with the date we receive proof of the
terminal illness; and
. the Interest Rate.
The Interest Rate we will use to determine the Living Benefit will be the
smaller of A and B, where
(A) is the rate of interest charged for policy loans, if applicable;
and
(B) is the rate of interest defined in section 846(c)(2) of the
Internal Revenue Code.
The Interest Rate we use to determine the Living Benefit as described above will
never be greater than: (A) The current yield on 90 day treasury bills; or (B)
The current maximum statutory adjustable policy loan interest rate.
Effect of Living Benefit on the Policy
If the Eligible Proceeds are equal to the amount which would otherwise be
payable upon the death of the Claimant, then upon payment of any benefit under
this rider:
. any insurance under the Policy on the life of someone other than the
Claimant will be treated as though the Claimant had died; and
. all insurance under the Policy on the life of the Claimant, including
any Accidental Death Benefit, will end.
If the Eligible Proceeds are less than the amount which would otherwise be
payable upon the death of the Claimant, all values and benefits relating to the
Claimant, other than any applicable Accidental Death Benefit, will be reduced
appropriately, by the ratio of the Eligible Proceeds to the amount of insurance.
Amendment No. 24
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to the following:
1. Exhibit D, RETENTION LIMITS, 1. Life Insurance, shall be amended to read
as follows:
Life Insurance
Ages Standard and Substandard
----- ------------------------
0-75 $1,000,000
76-80 $ 100,000
81+ 0
2. Exhibit E, Jumbo Limits, shall be amended to read as follows:
The total life insurance in force, known to the Ceding Company, in all
companies plus the amount applied for in all companies on any one life
shall not exceed the following:
Issue Age Limits
--------- ----------------------------------
0-80 $15,000,000
81+ No automatic reinsurance available
3. Exhibit G, AUTOMATIC ACCEPTANCE LIMITS, shall be amended to read as
follows:
The total Automatic Acceptance Limits for all Pool members shall be as
follows:
1
Life Insurance
Ages Standard - Table 16
----- -------------------
0-75 Nine times Ceding Company's retention to a
maximum of $9,000,000.
Standard - Table 4 Only
-----------------------
76-80 Ten times Ceding Company's retention
to a maximum of $1,000,000.
6. For all plans reinsured under the Agreement on or after January 1, 1994,
the reinsurance premium rates stated in the Agreement shall not apply
whenever any of the following conditions are true:
a. The total inforce and applied for in all companies exceeds
$15,000,000.
b. The total amount reinsured with Security Life for the subject
life exceeds $10,000,000.
c. Security Life's facultative offer to Ceding Company states that
the reinsurance premiums for the proposed reinsurance will
include additional facultative reinsurance costs incurred by
Security Life.
For cases where any of the above conditions are true, the reinsurance
premiums shall be mutually agreed upon.
4. The effective date of this amendment is January 1, 1994.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By: /s/ Illegible By: /s/ Xxxxxx X. Xxxxxxxx
---------------------------------- -----------------------------------
Title: Second V.P. Title: Vice President
Date: May 4, 1994 Date: April 27, 1994
264-24
2
Amendment No. 25
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to reinsure, under the terms and conditions of the Agreement,
issues of Ceding Company's Dominion Life DL881 plan issued on or after February
1, 1994. For this plan of insurance the following shall apply:
1. The policy and supplemental benefit forms eligible for reinsurance shall
include the following:
DL881 (Excess Interest Whole Life)
Form No.
----------
Accelerated Death Benefit (when attached to a DL881 policy reinsured
under this Agreement)
Form No. P4047 9/93
2. Reinsurance shall be on the yearly renewable term basis.
3. The annual standard reinsurance premiums per $1000 reinsured shall be the
following percentages of the Dominion Life Expected Mortality assumptions
per $1000 attached to this Amendment No. 25:
Issue Age PNS SNS PSM SSM
--------- --- --- --- ---
0-40 125% 125% 125% 125%
41-60 117% 105% 115% 105%
61+ 115% 115% 115% 115%
Substandard rates will be at a multiple of standard rates, 15% per table.
1
There shall be no reinsurance premium charge for the Accelerated Death
Benefit rider.
3. For these policies, Security Life shall automatically reinsure 20% of the
excess over Ceding Company's Retention Limits as shown in No.4 below.
4. Ceding Company's Retention Limits shall be the following
Life Insurance
Ages Standard and Substandard
----- ------------------------
0-75 $1,000,000
76-80 $ 100,000
81+ -0-
5. The amount reinsured automatically with the Pool shall not exceed the
following:
Life
Issue Age Std-Table 4 Table 5-Table 16
--------- ----------- ----------------
0-75 Per Pool Member $1,800,000 $1,800,000
Pool Total $9,000,000 $9,000,000
76-80 Per Pool Member $ 200,000 0
Pool Total $1,000,000 0
7. The effective date of this amendment is February 1, 1994.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By: /s/ Illegible By: /s/ Xxxxxx X. Xxxxxxxx
---------------------------------- -----------------------------------
Title: __ V.P. Title: Vice President
Date: May 4, 1994 Date: April 27, 1994
2
Amendment No. 26
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to reinsure, under the terms and conditions of the Agreement,
issues of Ceding Company's LV plus III universal life plan issued on or after
March 1, 1994. For this plan of insurance the following shall apply:
1. The policy and supplemental benefit forms eligible for reinsurance shall
include the following:
LV Plus III
Form No.
----------
Accelerated Death Benefit (when attached to a LV Plus III policy
reinsured under this Agreement)
Form No. P4047 9/93
2. Reinsurance shall be on the monthly renewable term basis.
3. The monthly standard reinsurance premiums per $1000 reinsured shall be the
following percentages of .0873 times the Dominion Life Expected Mortality
assumptions per $1000 attached to this Amendment No. 26:
Issue Age PNS SNS PSM SSM
--------- --- --- --- ---
0-40 125% 125% 125% 125%
41-60 108% 110% 105% 105%
61+ 110% 108% 115% 115%
Substandard rates will be at a multiple of standard rates, 20% per table.
1
There shall be no reinsurance premium charge for the Accelerated Death
Benefit rider.
3. For these policies, Security Life shall automatically reinsure 20% of the
excess over Ceding Company's Retention Limits as shown in No.4 below.
4. Ceding Company's Retention Limits shall be the following
Life Insurance
Ages Standard and Substandard
----- ------------------------
0-75 $1,000,000
76-80 $ 100,000
81+ -0-
5. The amount reinsured automatically with the Pool shall not exceed the
following:
Life Insurance
Ages Standard - Table 16
----- -------------------
0-75 Nine times Ceding Company's retention to a maximum of
$9,000,000.
Standard - Table 4 Only
-----------------------
76-80 Ten times Ceding Company's retention to a maximum of
$1,00,000.
7. The effective date of this amendment is March 1, 1994.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By: /s/ Illegible By: /s/ Xxxxxx X. Xxxxxxxx
---------------------------------- -----------------------------------
Title: __ V.P. Title: Vice President
Date: May 4, 1994 Date: April 27, 1994
2
Amendment No. 27
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to reinsure, under the terms and conditions of the Agreement,
policies of Ceding Company's Future Security universal life plan issued on or
after December 1, 1994. For this plan of insurance the following shall apply:
1. The policy and supplemental benefit forms eligible for reinsurance shall
include the following:
Future Security
Form No. P1137 11\94
Accelerated Death Benefit (when attached to a Future Security policy
reinsured under this Agreement) Form No. P4047 9/93
2. Reinsurance shall be on the yearly renewable term basis.
3. The annual standard reinsurance premiums per $1000 reinsured shall be the
following percentages of the Dominion Life Expected Mortality assumptions
per $1000 attached to this Amendment:
Issue Age PNS SNS PSM SSM
--------- --- --- --- ---
0-40 125% 125% 125% 125%
41-60 108% 110% 105% 105%
61+ 110% 108% 115% 115%
Substandard rates will be at a multiple of standard rates, 25% per table.
3. (cont)
There shall be no reinsurance premium charge for the Accelerated Death
Benefit rider.
4. For these policies, Security Life shall automatically reinsure 20% of the
excess over Ceding Company's Retention Limits as shown in No.5 below.
5. Ceding Company's Retention Limits shall be the following:
Life Insurance
Ages Standard and Substandard
----- ------------------------
0-75 $1,000,000
76-80 $ 100,000
81+ -0-
6. The amount reinsured automatically with the Pool shall not exceed the
following:
Life Insurance
Ages Standard - Table 16
---- -------------------
0-75 Ten times Ceding Company's retention to a maximum of
$10,000,000.
Standard - Table 4 Only
-----------------------
76-80 Twenty times Ceding Company's retention to a maximum
of $2,000,000.
7. Life insurance inforce and applied for limit is $15,000,000.
8. The effective date of this amendment is December 1, 1994.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By: /s/ Illegible By: /s/ Xxxxxx X. Xxxxxxxx
---------------------------------- -----------------------------------
Title: __ V.P Title: Vice President
Date: april 13, 1995 Date: April 7, 1995
Amendment No. 28
to
Reinsurance Agreement
(effective November 1, 1985 for facultative reinsurance)
(effective April 1, 1986 for automatic reinsurance)
between
LIFE INSURANCE COMPANY OF VIRGINIA
(Ceding Company)
and
SECURITY LIFE OF DENVER INSURANCE COMPANY
(Security Life)
The parties agree to reinsure, under the terms and conditions of the Agreement,
Ceding Company's policies 002500684 and 002500685 issued on March 28, 1992.
Policy information is as follows:
Policy Number: 002500684
Insured: Xxxxxxxx X. Xxxx
Issue Age: 37
Date of birth: 5/28/55
Issue Date: 3/28/92
Face amount of policy: $250,000
Amount reinsured by SECURITY: $50,000
Premium: Same as in the Agreement
Policy Number: 002500685
Insured: Xxxxxxxx X. Xxxx
Issue Age: 37
Date of birth: 5/28/55
Issue Date: 3/28/92
Face amount of policy: $250,000
Amount reinsured by SECURITY: $50,000
Premium: Same as in the Agreement
2. The effective date of this amendment is March 28, 1992.
LIFE INSURANCE COMPANY SECURITY LIFE OF DENVER
OF VIRGINIA INSURANCE COMPANY
By: /s/ Illegible By: /s/ Illegible
---------------------------------- -----------------------------------
Title: __ V.P. Title: Illegible
Date: 1/29/96 Date: 1/15/96
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 X.X. Xxx 0000, Xxx Xxxx, X. _
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 X.0. Xxx 0000, Xxx Xxxx, X. _
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 X.X. Xxx 0000, Xxx Xxxx, X. 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 X.X. Xxx 0000, Xxx Xxxx, X.X 00000
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
----------------------------------------------
-----------------------------------------------------------------------------------
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 X.X. Xxx 0000, Xxx Xxxx, X.X. 00000
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 X.X. Xxx 0000, Xxx Xxxx, X.X. 00000
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 NARe 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/Max 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 00
XXXXXX XXXXX
XXXXX XXXXXXX 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 00-0/0
Xxxxxxxxxxxx, Xxxxxxx
CONTINENTAL ASSURANCE COMPANY 33-1/3
Chicago, Illinois
NORTH AMERICAN REASSURANCE COMPANY 00-0/0
Xxx Xxxx, Xxx Xxxx
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 00
XXXXX XXXXXXXX XXXXXXXXXXX XXXXXXX
Xxx Xxxx, Xxx Xxxx 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
Xxxxxxxxxx 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:
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
- 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
AALIC
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 .000 .000 .00x .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 37
23 .008 .131 .000 .000 .00x .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 00
Xxxxxxxxxxxx, Xxxxxxx
CONTINENTAL ASSURANCE COMPANY 25
Chicago, Illinois
NORTH AMERICAN REASSURANCE COMPANY 00
Xxx Xxxx, Xxx Xxxx
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, 0000, Xxxxxxx X, Xxxxx
Xxxx, 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
XXxxxx 00
XXXX 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
XXxxxx 00
XXXX XXXXXXXXX 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
XXxxxx 00
XXXX 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
XXxxxx 00
XXXX XXXXXXXXX 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
XXxxxx 00
XXXXXX XXXXXXXXX
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
XXxxxx 00
XXXXXX XXXXXXXXX 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
XXxxxx 00
XXXXXX 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
XXxxxx 00
XXXXXX XXXXXXXXX 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
XXxxxx 00
XXXX XXXXXXXXX
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
XXxxxx 00
XXXX XXXXXXXXX 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:
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.
- 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 XXxxxx 00 plan and after 15
years for the XXxxxx 00 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
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