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