KE 2007 - 2010 Mortality Tables for Assured Lives - UpdatedFinal - Actuarial - K153 - Other - 2016 (ID 325079)
March 14, 2017 | Author: Njenga Newton | Category: N/A
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KE 2007-2010 MORTALITY TABLES FOR ASSURED LIVES
SINGLE LIFE AND GROUP LIFE FUNCTIONS AT RATES OF INTEREST FROM 0% TO 10%
PUBLISHED BY
ASSOCIATION OF KENYA INSURERS
Copyright © 2016 by the Association of Kenya Insurers. All rights reserved. This book, or parts thereof, may not be reproduced in any form without the written permission of the Association of Kenya Insurers.
ii
CONTENTS Line Item:
Page No
Foreword
iv
Contributing Life Insurance Offices
v
Introduction
vi
Methodology
vii
Phase I – Mortality experience of individual assured lives
1
Mortality Functions – Males
2
Mortality Functions – Females
3
Monetary Functions – Males (0%-10%)
4
Monetary Functions – Females (0%-10%)
26
Joint Life Functions – (0%-10%) a Male (0%-10%)
48
ax:n
92
70
x:n
Female (0%-10%) for (x + n) Male (0%-10%)
ax:n ax:n for (x + n) Female (0%-10%)
114 136
a x , Ax , Px Male (0%-10%) a x , Ax , Px Female (0%-10%)
158
Phase II – Mortality experience of group assured lives
203
Mortality Functions – Males
204
Mortality Functions – Females
205
Monetary Functions – Males (0%-10%)
206
Monetary Functions – Females (0%-10%)
217
Phase III – Mortality experience of individual annuitant lives
229
Mortality Functions – Males
230
Mortality Functions – Females a Male (0%-10%)
231
ax:n
254
180
232
x:n
Female (0%-10%)
a x , Ax , Px Male (0%-10%) a x , Ax , Px Female (0%-10%)
276 298 iii
FOREWORD This publication contains the second official mortality tables based on Kenyan Assured Lives Mortality. The data from which the tables were compiled was supplied by the contributing life insurance offices listed overleaf. The project commenced in January 2013 and was completed in January 2015. The first mortality study covered the period 2001 to 2003. While the study was a great success, concerns were raised by both the Actuarial team and the Peer Review team regarding the quality of data because this was the first time such an exercise was being carried out in Kenya. They recommended that the review should be done after a five year period as this would improve the data quality and subsequently impact on quality of the tables. We would like to thank the Association of Kenya Insurers Board for commissioning the review of the mortality tables and for funding of the project. We also sincerely thank all the life insurance member companies listed overleaf who contributed towards the funding of this project. We are grateful for the cooperation of all the participating companies, who provided data for the exercise. We also wish to thank Alexander Forbes Financial Services (East Africa) Limited who were the project consultants for the project – and in particular the Project Actuary Mr James Olubayi and his able assistants Mr Alton Rugetho and Mr Kevin Makokha. All the values contained in this publication were computed and printed with the assistance of Alexander Forbes Financial Services (East Africa) Limited. We wish to acknowledge the efforts of the peer review team – the Life Insurance Working Party of The Actuarial Society of Kenya (TASK) who provided great insight and assistance towards the development of these mortality tables. We also wish to thank persons and agencies who participated in this exercise to ensure the highest quality and standards of this publication. Signed
TOM GICHUHI EXECUTIVE DIRECTOR ASSOCIATION OF KENYA INSURERS
iv
CONTRIBUTING LIFE INSURANCE OFFICES 1
APA Life Assurance Limited
2
British American Insurance Company Limited
3
Capex Life Assurance Company Limited
4
Liberty Life Assurance Kenya Limited
5
CIC Life Assurance Company Limited
6
Corporate Insurance Company Limited
7
First Assurance Company Limited
8
Geminia Insurance Company Limited
9
ICEA Lion Life Assurance Company Limited
10
Jubilee Insurance Company Kenya Limited
11
Kenindia Assurance Company Limited
12
Kenyan Alliance Insurance Company Limited
13
Madison Insurance Company Limited
14
Saham Assurance Company Kenya Limited
15
Metropolitan Cannon Life Assurance Company Limited
16
Old Mutual Life Assurance Company Limited
17
Pan Africa Life Assurance Company Limited
18
Pioneer Assurance Company Limited
19
Prudential Life Assurance Kenya
20
The Monarch Insurance Company Limited
21
UAP Life Assurance Company Limited
v
INTRODUCTION 1.
The KE 2007-2010 table of mortality is based upon data collected by the Association of Kenya Insurers for an investigation into the mortality of assured lives in the Republic of Kenya. The mortality study was undertaken in four (4) phases as follows: Phase I: Phase II: Phase III: Phase IV:
Mortality experience of individual assured lives Mortality experience of group assured lives Mortality experience of annuitants Morbidity (sickness) experience of insured lives
2.
The data was in respect to both male and female lives and related to policies and not lives assured. The data related to policies issued on medically examined lives and also under non medical arrangements.
3.
Phases I-III were conducted to completion and the results thereof are contained in this publication. However, Phase IV was abandoned due to data limitations which limited the depth of the investigation.
vi
METHODOLOGY 1.
2.
The method used in the investigation was the census method. The data related to in-force policies on census dates falling within the calendar years 2007 to 2010 inclusive, together with the corresponding deaths. The volume of data obtained was as follows: Initial Exposed-to-risk
Number of Deaths
1,755,504
6,569
Crude Mortality Rate at Age x =
Number of Deaths aged x Total initial exposed to risk at age x
The key principle considered was the Principle of Correspondence which purports, “a life will only be included as part of exposed to risk at age x if and only if were the life to die immediately, then it would be counted as having died aged x”. 3.
The following steps were taken in order to arrive at the graduation curve fitted to the crude mortality rates: Individual and Group Life Rates
i)
The values of q~x were given by the cubic spline formula: 𝑛−2
𝑞̃𝑥 = 𝑎0 + 𝑎1 𝑥 + ∑ 𝑏𝑗 𝜙𝑗 (𝑥) 𝑗=1
Where: 𝑥𝑛 −𝑥𝑗
𝜙𝑗 (𝑥) = 𝜗𝑗 (𝑥) − 𝜗𝑛−1 (𝑥) 𝑥
𝑛 −𝑥𝑛−1
𝑥𝑛−1 −𝑥𝑗
+ 𝜗𝑛 (𝑥) 𝑥
𝑛 −𝑥𝑛−1
and 𝜗𝑗 (𝑥) = {
0 𝑥 − 𝑥𝑗
𝑥 < 𝑥𝑗 𝑥 > 𝑥𝑗
and 𝑎0 , 𝑎1 𝑏𝑗 ’s j=1, 2, .., n 𝑥𝑗 ’s 𝑥
= parameters = parameters = the number of pivotal points through which the spline curve is plotted = ages at which pivotal points are plotted = age
vii
ii)
The pivot ages used to fit the cubic spline curve for the male and female individual lives is as follows: Pivot Ages 𝑥2 25
𝑥3 34
𝑥4 43
𝑥5 52
𝑥6
𝑥7
Male
𝑥1 16
Female
16
25
34
43
52
61
70
The cubic spline method for females utilized more pivot ages than that of males owing to the erratic nature of the crude rates. This method proved adequate for ages 16-55 for males and ages 16-45 for females. iii)
For ages above 55 for males and 44 for females, we graduated the crude rates using the Gompertz formula. The formula used is stated below: qx = 1 − exp(−μx )
Where 𝑥 𝜇𝑥 Where a, b iv)
= age = the force of mortality at age x and is defined by the equation: Ln (μx ) = a + bx = parameters
The pivot ages used to fit the cubic spline curve for the male and female lives are as follows:
Male Female
𝑥1 10 18
𝑥2 20 26
Pivot Ages 𝑥3 𝑥4 30 40 34 42
𝑥5 50 50
𝑥6 60 58
This method proved adequate for ages 20 to 60 for both male and female graduations.
viii
Annuitant Rates i)
Graduation with reference to the a(90) standard mortality table using the Brass-Logit Method of transformation was used to come up with the final annuitant rates.
ii)
The following steps were taken in order to arrive at the graduation curve fitted to the crude mortality rates: Let, p̂x = the crude proportion of surviving to age x; s
px = the proportion of surviving to age x in the a(90) standard mortality table; and p̃x = the proportion of surviving to age x in the fitted (graduated) table. where p x =1-qx iii)
To form the relationship between the crude mortality rates and the standard mortality table mortality rates, both sets of mortality data were transformed s
into p ̂ x and px values respectively – so that they are in effect proportions surviving at exact age x. iv)
s
s
These p̂x and px values were be transformed into “logit p̂x ” and “logit px ” values to put them on a more linear, scale for easy fitting. The logit transformation is shown below: logit p̂x = 0.5 ∗ ln
1 − p̂x p̂x
and
s
s
logit px = 0.5 ∗ ln v)
1 − px s
px
We then fit a linear regression model described by linear relationship formula: s
logit p̂x = α + β ∗ logit px where α = a constant term to be estimated and β = the regression coefficient to be estimated
ix
vi)
α is the scale parameter that increases or decreases the overall level of mortality compared to the standard mortality table. β measures the balance of the mortality at younger ages with the mortality at older ages i.e. it measures the slope of the line.
vii) Once we have estimated α and β we use these to adjust the standard mortality table logits according to the formula: s logit p̃x = α ̂ + β̂ ∗ logit px
i.e. graduated logit values = α ̂ + β̂ * logit values of standard mortality table where ̂ = estimated scale parameter α and
β̂ = estimated scale parameter
viii) We then calculate the antilogit of these fitted values to return to the p̃x scale. The antilogit formula is: p̃x = ix)
1 (1 + exponential( 2 ∗ logit p̃x )
These fitted survivorship functions are then transformed to produce the mortality rates at each age using the formula: q̃x = 1 − p̃x
4.
The graduated mortality rates we have derived are “ultimate” rates and do not allow for the select effect of new policyholders who are medically tested (the medical test could include an HIV test) and underwritten. It could therefore be argued that select factors should be applied to the rates we have derived if they are to be used for pricing new products.
5.
All the calculations for the book of tables were computerized. The value q~x was computed to five decimal places. The radix lx was taken as 100,000 at age 20. The feature of a floating decimal was used where appropriate, throughout the tables thus enabling accurate values to be tabulated throughout the high ages without waste of space.
6.
The above approach was used to produce the male and female mortality rates separately.
x
7.
The monetary functions to be tabulated and the range of interest rates were decided after obtaining an ‘expression of opinion on’ from the members of the Association of Kenya Insurers. A wide range of interest rates were used between 0% and 10%.
8.
The range of ages goes well beyond the normally provided volume in mortality tables. While ages at the higher ages are seldom required, it was found possible to provide these without cramping the layout of any page.
9.
The notation adopted follows current international usage. e.g. Nx = Dx + Dx+1 + Dx+2 +……….. Sx = Nx + Nx+1+ Nx+2 + ……
10.
Single life commutation columns D, N, S, C, M and R have been provided for the ultimate lives. Joint life commutations for D, N, M and C have been provided for ultimate lives. Ultimate values of S and R are obtainable by summing the ultimate N and M columns, making use of the values tabulated opposite the letter T in the age columns for all ages higher than the last one tabulated.
11.
Monetary functions have been provided on a single life basis only. The values tabulated are the whole life functions a, A and P, as well as term annuities due for certain quinquennial terms and expiry ages for ultimate ages.
12.
The method of calculation generally is from basic formulae e.g., D x= vxlx and C = vx+1dx with Nx, Mx etc. formed by summation. Detail of the basis formulae used are set out below: Fundamental Symbolic Letters:
i
= The effective rate of interest x
1 vx = The Present value if 1 due in x years 1 i
lx
= The number of persons who attaine age according to the mortality table
dx lx lx 1 lx qx = The number of persons who die between ages
x x 1 and according to the mortality table
qx
dx lx
= The probability that a person will die between ages x and x 1 according to the mortality table
xi
Commutation Functions, Annuity, Assurance and Premium Definitions:
Dx v x lx
Nx Dx Dx 1 Dx 2 ....
Sx Nx Nx 1 Nx 2 .... Cx v x1 dx
Mx Cx Cx 1 Cx 2 .... Rx Mx Mx 1 Mx 2 ....
Dxy v
x y / 2
lxy
Nxy Dxy Dx 1 : y 1 Dx 2 : y 2 ....
Sxy Nxy Nx 1 : y 1 Nx 2 : y 2 .... Cxy v
x y 1 2
dxy
Mxy Cxy Cx 1 : y 1 Cx 2 : y 2 .... Rxy Mxy Mx 1 : y 1 Mx 2 : y 2 ....
ax
Nx Dx
= Annuity payable yearly in advance, where the first payment is at the start of the (policy) year, for the lifetime of a given life aged x .
ax : n
Nx Nx n Dx
= Temporary annuity payable yearly, where the first payment is at the start of the payment period during the joint duration a life ( x ) and term ‘n-1’ years.
xii
Ax
Mx Dx
= A whole life assurance i.e. the value of a benefit of 1 payable at the end of the year of death of a life aged x .
Px
Ax ax
= The annual premium for a whole life assurance effected on a life aged x .
13.
A feature of some published volumes of mortality tables is that the values of the monetary functions cannot, at higher ages, be calculated accurately from the commutation column values, because these latter values have been rounded to integers. Such a limitation was considered to be unacceptable for the present volume, in view of the abridged range of monetary functions provided for single lives and the absence of monetary function values. All of the monetary function values in this volume were calculated from the tabulated commutation column values.
14.
The general aim has been to tabulate those values most frequently used and to provide ready facilities for the calculation of other values. The layout of the volume has been designed for ease of reference.
15.
Facilities are available to provide, in the form of a computer printout, monetary values at other rates of interest as required and to provide life table and monetary values based on KE 2001-2003 mortality with a constant percentage increase in mortality rates.
xiii
xiv
PHASE I: MORTALITY EXPERIENCE OF INDIVIDUAL ASSURED LIVES
1
MORTALITY FUNCTIONS MALE lx
qx
lx
qx
20
100 000
0.00131
20
21 22 23 24 25
99 869 99 720 99 555 99 376 99 188
0.00149 0.00166 0.00179 0.00189 0.00196
21 22 23 24 25
61 62 63 64 65
89 221 88 548 87 795 86 956 86 020
0.00755 0.00850 0.00956 0.01076 0.01212
61 62 63 64 65
26 27 28 29 30
98 994 98 796 98 599 98 405 98 215
0.00199 0.00199 0.00197 0.00193 0.00189
26 27 28 29 30
66 67 68 69 70
84 977 83 819 82 533 81 108 79 533
0.01363 0.01534 0.01726 0.01942 0.02185
66 67 68 69 70
31 32 33 34 35
98 029 97 849 97 673 97 499 97 324
0.00184 0.00180 0.00178 0.00179 0.00182
31 32 33 34 35
71 72 73 74 75
77 795 75 883 73 786 71 494 68 997
0.02457 0.02763 0.03107 0.03492 0.03924
71 72 73 74 75
36 37 38 39 40
97 147 96 964 96 773 96 572 96 361
0.00188 0.00197 0.00207 0.00219 0.00232
36 37 38 39 40
76 77 78 79 80
66 290 63 367 60 229 56 881 53 332
0.04409 0.04952 0.05559 0.06239 0.06998
76 77 78 79 80
41 42 43 44 45
96 137 95 901 95 654 95 394 95 125
0.00245 0.00258 0.00271 0.00283 0.00294
41 42 43 44 45
81 82 83 84 85
49 600 45 708 41 689 37 584 33 443
0.07847 0.08793 0.09846 0.11019 0.12321
81 82 83 84 85
46 47 48 49 50
94 846 94 558 94 262 93 958 93 648
0.00304 0.00313 0.00322 0.00330 0.00339
46 47 48 49 50
86 87 88 89 90
29 322 25 286 21 402 17 736 14 354
0.13765 0.15362 0.17126 0.19069 0.21203
86 87 88 89 90
51 52 53 54 55
93 330 93 007 92 677 92 342 92 000
0.00347 0.00354 0.00362 0.00370 0.00378
51 52 53 54 55
91 92 93 94 95
11 311 8 648 6 392 4 548 3 099
0.23538 0.26086 0.28854 0.31848 0.35069
91 92 93 94 95
56 57 58 59 60
91 652 91 270 90 841 90 361 89 823
0.00417 0.00470 0.00529 0.00595 0.00670
56 57 58 59 60
96 97 98 99 100
2 012 1 237 715 386 193
0.38515 0.42178 0.46043 0.50087 0.54280
96 97 98 99 100
Age(x)
Age(x)
Age(x)
Age(x)
2
MORTALITY FUNCTIONS FEMALE Age(x)
lx
qx
Age(x)
Age(x)
lx
qx
Age(x)
20
100 000
0.00148
20
21 22 23 24 25
99 852 99 694 99 527 99 353 99 176
0.00159 0.00168 0.00174 0.00179 0.00180
21 22 23 24 25
61 62 63 64 65
88 706 87 762 86 729 85 601 84 369
0.01064 0.01177 0.01301 0.01438 0.01590
61 62 63 64 65
26 27 28 29 30
98 997 98 820 98 648 98 482 98 323
0.00179 0.00174 0.00168 0.00161 0.00153
26 27 28 29 30
66 67 68 69 70
83 028 81 568 79 983 78 266 76 409
0.01758 0.01943 0.02147 0.02373 0.02622
66 67 68 69 70
31 32 33 34 35
98 172 98 029 97 893 97 763 97 637
0.00146 0.00139 0.00133 0.00129 0.00128
31 32 33 34 35
71 72 73 74 75
74 406 72 251 69 939 67 468 64 836
0.02896 0.03199 0.03533 0.03902 0.04307
71 72 73 74 75
36 37 38 39 40
97 511 97 385 97 255 97 121 96 981
0.00130 0.00133 0.00138 0.00145 0.00152
36 37 38 39 40
76 77 78 79 80
62 043 59 094 55 994 52 753 49 386
0.04754 0.05246 0.05787 0.06383 0.07037
76 77 78 79 80
41 42 43 44 45
96 833 96 677 96 512 96 339 96 158
0.00161 0.00170 0.00179 0.00189 0.00212
41 42 43 44 45
81 82 83 84 85
45 911 42 350 38 732 35 088 31 455
0.07755 0.08544 0.09408 0.10354 0.11390
81 82 83 84 85
46 47 48 49 50
95 954 95 728 95 480 95 205 94 903
0.00235 0.00260 0.00287 0.00318 0.00352
46 47 48 49 50
86 87 88 89 90
27 872 24 382 21 028 17 852 14 894
0.12522 0.13758 0.15104 0.16569 0.18161
86 87 88 89 90
51 52 53 54 55
94 569 94 201 93 796 93 350 92 859
0.00389 0.00430 0.00476 0.00526 0.00582
51 52 53 54 55
91 92 93 94 95
12 189 9 765 7 641 5 825 4 314
0.19886 0.21752 0.23767 0.25935 0.28261
91 92 93 94 95
56 57 58 59 60
92 319 91 724 91 072 90 355 89 568
0.00644 0.00712 0.00787 0.00870 0.00963
56 57 58 59 60
96 97 98 99 100
3 095 2 143 1 427 910 554
0.30750 0.33404 0.36221 0.39199 0.42331
96 97 98 99 100
3
Interest Rate: 0.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
100 000 99 869 99 720 99 555 99 376 99 188 98 994 98 796 98 599 98 405 98 215 98 029 97 849 97 673 97 499 97 324 97 147 96 964 96 773 96 572 96 361 96 137 95 901 95 654 95 394 95 125 94 846 94 558 94 262 93 958 93 648 93 330 93 007 92 677 92 342 92 000 91 652 91 270 90 841 90 361 89 823
5 802 923 5 702 923 5 603 055 5 503 335 5 403 780 5 304 404 5 205 216 5 106 222 5 007 426 4 908 827 4 810 422 4 712 208 4 614 178 4 516 329 4 418 656 4 321 158 4 223 833 4 126 686 4 029 722 3 932 949 3 836 377 3 740 016 3 643 879 3 547 978 3 452 325 3 356 930 3 261 805 3 166 960 3 072 402 2 978 140 2 884 182 2 790 535 2 697 204 2 604 197 2 511 520 2 419 178 2 327 178 2 235 526 2 144 256 2 053 414 1 963 053
181 664 949 175 862 026 170 159 103 164 556 048 159 052 713 153 648 933 148 344 529 143 139 313 138 033 091 133 025 665 128 116 838 123 306 416 118 594 208 113 980 030 109 463 701 105 045 045 100 723 887 96 500 053 92 373 367 88 343 645 84 410 696 80 574 319 76 834 302 73 190 423 69 642 445 66 190 120 62 833 190 59 571 385 56 404 425 53 332 023 50 353 883 47 469 700 44 679 166 41 981 961 39 377 764 36 866 244 34 447 065 32 119 887 29 884 361 27 740 106 25 686 692
131 149 165 178 188 195 197 197 194 190 185 180 176 174 174 177 183 191 201 212 224 236 248 259 270 279 288 296 304 311 317 323 330 336 342 348 382 429 480 538 602
99 912 99 781 99 632 99 467 99 288 99 100 98 905 98 708 98 511 98 317 98 127 97 941 97 761 97 585 97 410 97 236 97 059 96 876 96 685 96 484 96 272 96 049 95 813 95 565 95 306 95 037 94 758 94 470 94 173 93 870 93 559 93 242 92 919 92 589 92 254 91 912 91 564 91 182 90 753 90 273 89 735
5 795 788 5 695 876 5 596 095 5 496 463 5 396 997 5 297 709 5 198 608 5 099 703 5 000 995 4 902 484 4 804 167 4 706 041 4 608 099 4 510 338 4 412 754 4 315 343 4 218 107 4 121 048 4 024 172 3 927 487 3 831 003 3 734 731 3 638 682 3 542 869 3 447 303 3 351 997 3 256 960 3 162 202 3 067 733 2 973 559 2 879 689 2 786 130 2 692 888 2 599 969 2 507 380 2 415 126 2 323 214 2 231 650 2 140 467 2 049 714 1 959 441
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
4
Interest Rate: 0.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
89 221 88 548 87 795 86 956 86 020 84 977 83 819 82 533 81 108 79 533 77 795 75 883 73 786 71 494 68 997 66 290 63 367 60 229 56 881 53 332 49 600 45 708 41 689 37 584 33 443 29 322 25 286 21 402 17 736 14 354 11 311 8 648 6 392 4 548 3 099 2 012 1 237 715 386 193
1 873 230 1 784 009 1 695 461 1 607 666 1 520 710 1 434 691 1 349 713 1 265 894 1 183 362 1 102 254 1 022 721 944 926 869 043 795 257 723 763 654 766 588 476 525 109 464 880 407 999 354 667 305 067 259 359 217 670 180 086 146 643 117 321 92 034 70 633 52 897 38 542 27 232 18 583 12 191 7 643 4 544 2 532 1 294 579 193
23 723 639 21 850 409 20 066 400 18 370 938 16 763 272 15 242 562 13 807 871 12 458 158 11 192 264 10 008 902 8 906 648 7 883 927 6 939 001 6 069 958 5 274 701 4 550 938 3 896 172 3 307 696 2 782 587 2 317 707 1 909 708 1 555 042 1 249 975 990 616 772 946 592 861 446 218 328 897 236 863 166 230 113 334 74 791 47 559 28 976 16 785 9 141 4 597 2 066 771 193
673 752 840 936 1 042 1 159 1 286 1 425 1 575 1 738 1 912 2 097 2 292 2 497 2 708 2 923 3 138 3 348 3 549 3 732 3 892 4 019 4 105 4 141 4 120 4 036 3 885 3 665 3 382 3 043 2 662 2 256 1 844 1 448 1 087 775 522 329 193 105
89 133 88 460 87 707 86 868 85 932 84 889 83 731 82 445 81 020 79 444 77 707 75 795 73 698 71 406 68 909 66 201 63 279 60 141 56 793 53 244 49 512 45 620 41 601 37 496 33 355 29 234 25 198 21 313 17 648 14 266 11 223 8 560 6 304 4 460 3 011 1 924 1 149 627 298 105
1 869 706 1 780 573 1 692 114 1 604 407 1 517 539 1 431 607 1 346 718 1 262 987 1 180 543 1 099 523 1 020 078 942 371 866 576 792 878 721 472 652 563 586 362 523 083 462 942 406 149 352 905 303 393 257 773 216 172 178 676 145 321 116 087 90 889 69 576 51 927 37 661 26 439 17 879 11 575 7 115 4 104 2 179 1 030 403 105
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
5
Interest Rate: 1.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
81 954 81 037 80 114 79 190 78 265 77 344 76 428 75 520 74 623 73 739 72 868 72 010 71 166 70 334 69 514 68 703 67 899 67 100 66 304 65 512 64 721 63 931 63 143 62 357 61 572 60 790 60 011 59 237 58 467 57 701 56 941 56 187 55 438 54 694 53 957 53 225 52 499 51 762 51 009 50 237 49 443
3 578 915 3 496 960 3 415 924 3 335 809 3 256 619 3 178 354 3 101 010 3 024 582 2 949 062 2 874 439 2 800 700 2 727 832 2 655 822 2 584 656 2 514 322 2 444 808 2 376 105 2 308 207 2 241 107 2 174 803 2 109 291 2 044 570 1 980 639 1 917 495 1 855 139 1 793 567 1 732 777 1 672 766 1 613 529 1 555 062 1 497 361 1 440 419 1 384 233 1 328 795 1 274 101 1 220 144 1 166 920 1 114 421 1 062 659 1 011 650 961 414
99 739 811 96 160 896 92 663 936 89 248 012 85 912 203 82 655 584 79 477 230 76 376 220 73 351 637 70 402 575 67 528 136 64 727 436 61 999 604 59 343 782 56 759 126 54 244 804 51 799 997 49 423 891 47 115 685 44 874 578 42 699 775 40 590 484 38 545 914 36 565 276 34 647 780 32 792 641 30 999 074 29 266 297 27 593 532 25 980 003 24 424 941 22 927 581 21 487 161 20 102 929 18 774 134 17 500 033 16 279 889 15 112 969 13 998 548 12 935 889 11 924 239
106 120 131 140 147 150 151 149 146 141 136 131 127 124 123 124 127 131 136 142 149 155 161 167 172 177 180 184 186 189 191 193 195 196 198 199 217 241 267 296 328
46 487 46 381 46 261 46 130 45 989 45 843 45 692 45 542 45 392 45 247 45 106 44 970 44 839 44 711 44 587 44 464 44 340 44 214 44 083 43 947 43 805 43 656 43 501 43 339 43 172 43 000 42 823 42 643 42 459 42 273 42 084 41 893 41 700 41 506 41 309 41 112 40 913 40 696 40 455 40 188 39 892
2 588 780 2 542 292 2 495 911 2 449 650 2 403 520 2 357 531 2 311 688 2 265 996 2 220 454 2 175 062 2 129 815 2 084 709 2 039 740 1 994 901 1 950 190 1 905 602 1 861 138 1 816 797 1 772 583 1 728 501 1 684 554 1 640 749 1 597 093 1 553 593 1 510 253 1 467 081 1 424 082 1 381 259 1 338 616 1 296 157 1 253 885 1 211 801 1 169 908 1 128 208 1 086 703 1 045 393 1 004 281 963 369 922 673 882 218 842 030
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
6
Interest Rate: 1.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
48 625 47 781 46 906 45 997 45 051 44 065 43 034 41 954 40 821 39 632 38 383 37 069 35 687 34 236 32 714 31 119 29 452 27 717 25 917 24 059 22 154 20 213 18 254 16 293 14 354 12 461 10 640 8 916 7 316 5 862 4 573 3 462 2 534 1 785 1 204 774 471 270 144 71
911 971 863 345 815 565 768 659 722 662 677 611 633 546 590 512 548 558 507 737 468 104 429 722 392 653 356 966 322 729 290 016 258 897 229 445 201 728 175 812 151 752 129 599 109 385 91 132 74 838 60 484 48 023 37 383 28 467 21 152 15 289 10 716 7 254 4 720 2 935 1 731 957 485 215 71
10 962 825 10 050 854 9 187 509 8 371 944 7 603 285 6 880 623 6 203 012 5 569 466 4 978 955 4 430 397 3 922 660 3 454 556 3 024 834 2 632 181 2 275 215 1 952 486 1 662 470 1 403 573 1 174 128 972 400 796 589 644 836 515 237 405 852 314 720 239 882 179 398 131 375 93 992 65 525 44 373 29 084 18 368 11 114 6 394 3 459 1 728 772 287 71
363 402 444 490 540 595 654 717 785 857 934 1 014 1 098 1 184 1 271 1 358 1 444 1 526 1 601 1 667 1 721 1 760 1 780 1 778 1 751 1 698 1 618 1 512 1 381 1 231 1 066 894 724 563 418 295 197 123 71 38
39 564 39 200 38 798 38 354 37 864 37 324 36 729 36 075 35 358 34 573 33 716 32 782 31 768 30 670 29 486 28 215 26 857 25 413 23 887 22 286 20 619 18 898 17 138 15 359 13 581 11 830 10 132 8 514 7 002 5 620 4 390 3 324 2 430 1 706 1 143 725 430 233 110 38
802 138 762 574 723 374 684 575 646 221 608 357 571 033 534 305 498 229 462 872 428 299 394 583 361 801 330 034 299 364 269 878 241 663 214 806 189 394 165 507 143 221 122 601 103 703 86 565 71 206 57 625 45 795 35 663 27 150 20 148 14 528 10 138 6 814 4 384 2 678 1 535 810 381 148 38
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
7
Interest Rate: 2.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
67 297 65 891 64 503 63 133 61 784 60 458 59 156 57 881 56 633 55 413 54 221 53 058 51 922 50 812 49 727 48 665 47 624 46 602 45 598 44 611 43 641 42 686 41 746 40 822 39 913 39 020 38 143 37 281 36 436 35 606 34 793 33 995 33 213 32 446 31 695 30 958 30 237 29 520 28 805 28 091 27 376
2 291 329 2 224 032 2 158 140 2 093 638 2 030 505 1 968 720 1 908 262 1 849 106 1 791 225 1 734 592 1 679 179 1 624 958 1 571 899 1 519 977 1 469 165 1 419 438 1 370 773 1 323 150 1 276 548 1 230 950 1 186 338 1 142 697 1 100 012 1 058 265 1 017 443 977 530 938 510 900 368 863 087 826 651 791 045 756 252 722 257 689 044 656 598 624 903 593 945 563 708 534 188 505 383 477 291
56 595 642 54 304 313 52 080 281 49 922 141 47 828 503 45 797 998 43 829 278 41 921 016 40 071 910 38 280 685 36 546 094 34 866 915 33 241 957 31 670 058 30 150 080 28 680 915 27 261 477 25 890 703 24 567 553 23 291 006 22 060 056 20 873 718 19 731 021 18 631 009 17 572 744 16 555 300 15 577 770 14 639 260 13 738 892 12 875 805 12 049 154 11 258 109 10 501 857 9 779 600 9 090 556 8 433 957 7 809 054 7 215 109 6 651 401 6 117 213 5 611 831
87 97 105 111 115 116 116 113 109 105 100 96 92 89 87 87 88 90 93 96 99 103 106 108 111 112 114 114 115 115 116 116 115 115 115 115 124 136 149 164 180
22 357 22 271 22 174 22 069 21 959 21 844 21 728 21 612 21 499 21 389 21 284 21 184 21 088 20 997 20 908 20 821 20 734 20 646 20 556 20 463 20 367 20 268 20 165 20 060 19 951 19 841 19 728 19 615 19 500 19 385 19 270 19 155 19 039 18 924 18 808 18 693 18 579 18 455 18 319 18 170 18 006
1 180 645 1 158 287 1 136 017 1 113 843 1 091 773 1 069 814 1 047 970 1 026 243 1 004 631 983 132 961 742 940 458 919 274 898 185 877 189 856 281 835 460 814 726 794 080 773 524 753 061 732 693 712 425 692 260 672 200 652 249 632 408 612 680 593 065 573 564 554 179 534 909 515 754 496 715 477 792 458 983 440 290 421 711 403 256 384 936 366 767
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
8
Interest Rate: 2.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
26 660 25 940 25 215 24 484 23 746 22 998 22 240 21 469 20 685 19 885 19 069 18 236 17 385 16 514 15 625 14 717 13 793 12 853 11 900 10 939 9 974 9 011 8 058 7 122 6 213 5 341 4 515 3 747 3 044 2 415 1 866 1 399 1 014 707 472 301 181 103 54 27
449 915 423 255 397 315 372 100 347 616 323 870 300 872 278 632 257 163 236 478 216 593 197 523 179 287 161 903 145 389 129 764 115 046 101 254 88 401 76 501 65 562 55 588 46 577 38 519 31 397 25 184 19 844 15 329 11 582 8 538 6 123 4 257 2 858 1 845 1 138 666 365 184 81 27
5 134 539 4 684 625 4 261 370 3 864 054 3 491 954 3 144 338 2 820 468 2 519 596 2 240 964 1 983 801 1 747 323 1 530 730 1 333 206 1 153 919 992 016 846 628 716 864 601 818 500 564 412 164 335 663 270 101 214 514 167 937 129 418 98 021 72 836 52 992 37 664 26 081 17 543 11 420 7 163 4 305 2 460 1 322 656 291 108 27
197 216 236 258 282 307 335 363 394 426 459 494 530 565 601 636 670 700 728 751 767 777 778 769 750 721 680 629 569 502 431 358 287 221 162 114 75 46 27 14
17 826 17 629 17 413 17 176 16 918 16 636 16 328 15 994 15 630 15 237 14 811 14 351 13 857 13 328 12 762 12 161 11 525 10 855 10 155 9 427 8 676 7 909 7 132 6 355 5 585 4 835 4 114 3 434 2 805 2 236 1 734 1 303 946 659 438 276 162 87 41 14
348 761 330 935 313 306 295 893 278 717 261 799 245 163 228 835 212 841 197 211 181 974 167 163 152 812 138 955 125 627 112 865 100 704 89 179 78 324 68 169 58 742 50 065 42 156 35 023 28 669 23 084 18 249 14 135 10 701 7 896 5 660 3 926 2 623 1 677 1 018 580 304 142 55 14
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
9
Interest Rate: 3.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
55 368 53 684 52 043 50 443 48 887 47 373 45 903 44 477 43 095 41 758 40 463 39 211 37 998 36 825 35 689 34 587 33 519 32 481 31 473 30 493 29 540 28 613 27 712 26 835 25 983 25 155 24 350 23 569 22 811 22 075 21 362 20 669 19 998 19 346 18 715 18 103 17 509 16 928 16 358 15 797 15 246
1 517 235 1 461 868 1 408 183 1 356 140 1 305 697 1 256 810 1 209 437 1 163 535 1 119 058 1 075 962 1 034 205 993 742 954 531 916 533 879 707 844 019 809 431 775 912 743 431 711 958 681 465 651 925 623 312 595 600 568 765 542 782 517 628 493 277 469 708 446 897 424 821 403 460 382 791 362 793 343 446 324 731 306 629 289 120 272 192 255 834 240 037
33 171 029 31 653 793 30 191 926 28 783 742 27 427 602 26 121 905 24 865 095 23 655 657 22 492 123 21 373 065 20 297 102 19 262 898 18 269 156 17 314 625 16 398 093 15 518 385 14 674 367 13 864 936 13 089 023 12 345 592 11 633 635 10 952 170 10 300 245 9 676 933 9 081 333 8 512 568 7 969 786 7 452 158 6 958 881 6 489 172 6 042 275 5 617 454 5 213 994 4 831 204 4 468 411 4 124 964 3 800 233 3 493 604 3 204 484 2 932 292 2 676 458
70 78 84 88 90 90 89 86 82 78 74 70 67 64 62 61 61 62 63 65 67 68 69 71 71 72 72 72 71 71 70 70 69 68 67 66 71 77 84 91 99
11 172 11 101 11 023 10 940 10 852 10 762 10 672 10 583 10 497 10 415 10 336 10 262 10 192 10 126 10 062 10 000 9 939 9 877 9 815 9 752 9 687 9 621 9 552 9 483 9 412 9 341 9 269 9 198 9 126 9 055 8 984 8 914 8 844 8 775 8 707 8 640 8 574 8 503 8 425 8 341 8 250
550 728 539 557 528 455 517 432 506 492 495 640 484 878 474 206 463 622 453 125 442 711 432 375 422 113 411 920 401 795 391 733 381 733 371 794 361 917 352 101 342 350 332 662 323 042 313 490 304 007 294 594 285 253 275 984 266 786 257 660 248 606 239 622 230 709 221 865 213 089 204 382 195 742 187 169 178 666 170 241 161 899
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
10
Interest Rate: 3.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
14 703 14 167 13 637 13 113 12 594 12 079 11 568 11 058 10 551 10 045 9 539 9 034 8 528 8 023 7 517 7 012 6 507 6 005 5 506 5 012 4 525 4 049 3 585 3 138 2 711 2 308 1 932 1 588 1 277 1 004 768 570 409 283 187 118 70 39 21 10
224 791 210 088 195 921 182 284 169 171 156 576 144 497 132 929 121 871 111 320 101 275 91 736 82 702 74 174 66 151 58 634 51 623 45 116 39 111 33 605 28 593 24 067 20 018 16 433 13 295 10 584 8 276 6 344 4 756 3 479 2 475 1 707 1 137 728 445 258 141 70 31 10
2 436 421 2 211 631 2 001 543 1 805 621 1 623 337 1 454 166 1 297 590 1 153 093 1 020 164 898 293 786 973 685 699 593 963 511 261 437 087 370 935 312 301 260 678 215 563 176 452 142 847 114 254 90 187 70 169 53 736 40 441 29 857 21 581 15 237 10 481 7 002 4 527 2 820 1 683 955 510 252 111 41 10
108 117 127 137 148 160 172 185 199 213 228 242 257 272 286 300 313 324 333 341 345 346 343 336 324 308 288 264 237 207 175 144 115 87 64 44 29 18 10 5
8 151 8 043 7 926 7 800 7 663 7 515 7 355 7 182 6 997 6 798 6 585 6 357 6 115 5 858 5 586 5 299 4 999 4 686 4 362 4 029 3 688 3 343 2 998 2 655 2 319 1 995 1 687 1 398 1 134 898 691 516 371 257 170 106 62 33 15 5
153 649 145 498 137 455 129 529 121 729 114 066 106 552 99 197 92 015 85 018 78 220 71 635 65 278 59 163 53 305 47 719 42 420 37 421 32 734 28 372 24 343 20 655 17 311 14 314 11 659 9 339 7 344 5 657 4 259 3 124 2 226 1 535 1 019 648 391 221 115 54 21 5
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
11
Interest Rate: 4.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
45 639 43 826 42 077 40 392 38 769 37 207 35 706 34 264 32 881 31 554 30 281 29 062 27 893 26 772 25 696 24 664 23 672 22 718 21 802 20 920 20 071 19 254 18 468 17 712 16 985 16 285 15 613 14 967 14 346 13 750 13 177 12 628 12 100 11 593 11 107 10 640 10 192 9 760 9 340 8 933 8 539
1 034 929 989 290 945 465 903 387 862 995 824 227 787 019 751 314 717 049 684 169 652 615 622 334 593 272 565 379 538 608 512 912 488 248 464 577 441 858 420 057 399 137 379 066 359 812 341 344 323 632 306 647 290 362 274 749 259 782 245 436 231 686 218 509 205 881 193 781 182 188 171 081 160 441 150 248 140 489 131 149 122 215
20 058 210 19 023 281 18 033 990 17 088 526 16 185 138 15 322 143 14 497 916 13 710 897 12 959 583 12 242 534 11 558 365 10 905 750 10 283 416 9 690 144 9 124 764 8 586 157 8 073 245 7 584 996 7 120 420 6 678 561 6 258 505 5 859 367 5 480 301 5 120 489 4 779 145 4 455 513 4 148 865 3 858 503 3 583 754 3 323 972 3 078 535 2 846 849 2 628 340 2 422 458 2 228 677 2 046 489 1 875 408 1 714 967 1 564 718 1 424 229 1 293 081
58 63 67 70 71 70 68 66 62 59 55 51 48 46 44 43 43 43 43 44 45 45 46 46 46 46 46 45 44 44 43 42 41 40 40 39 41 44 47 51 55
5 832 5 775 5 712 5 645 5 575 5 504 5 434 5 366 5 300 5 238 5 179 5 124 5 073 5 024 4 979 4 934 4 891 4 848 4 805 4 762 4 718 4 673 4 628 4 582 4 536 4 489 4 443 4 398 4 353 4 308 4 265 4 222 4 180 4 138 4 098 4 059 4 020 3 979 3 935 3 887 3 836
263 324 257 492 251 717 246 006 240 361 234 786 229 282 223 847 218 481 213 181 207 944 202 765 197 640 192 567 187 543 182 564 177 630 172 739 167 890 163 085 158 323 153 605 148 932 144 305 139 723 135 188 130 698 126 255 121 857 117 504 113 196 108 931 104 709 100 529 96 391 92 293 88 234 84 214 80 235 76 300 72 413
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
12
Interest Rate: 4.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
8 155 7 782 7 419 7 066 6 721 6 384 6 055 5 733 5 417 5 108 4 804 4 506 4 213 3 925 3 642 3 364 3 092 2 826 2 566 2 314 2 069 1 833 1 608 1 394 1 193 1 005 834 678 541 421 319 234 167 114 75 47 28 15 8 4
113 677 105 522 97 739 90 320 83 254 76 533 70 149 64 094 58 361 52 944 47 837 43 033 38 527 34 315 30 390 26 748 23 384 20 291 17 465 14 899 12 585 10 516 8 683 7 075 5 681 4 488 3 483 2 649 1 971 1 430 1 010 691 456 290 176 101 55 27 12 4
1 170 865 1 057 188 951 667 853 927 763 607 680 353 603 820 533 671 469 577 411 216 358 272 310 435 267 402 228 875 194 560 164 169 137 421 114 037 93 746 76 280 61 382 48 797 38 281 29 598 22 524 16 843 12 354 8 871 6 222 4 251 2 821 1 812 1 121 664 374 199 97 43 16 4
59 64 68 73 78 84 89 95 101 107 114 120 126 132 137 143 147 151 154 156 156 155 152 148 141 133 123 112 99 86 72 59 46 35 25 17 11 7 4 2
3 781 3 722 3 659 3 590 3 517 3 439 3 355 3 266 3 171 3 070 2 962 2 849 2 729 2 603 2 471 2 334 2 191 2 044 1 893 1 739 1 583 1 427 1 272 1 120 972 831 698 575 463 364 278 206 147 101 66 41 24 13 6 2
68 576 64 795 61 073 57 414 53 824 50 307 46 868 43 513 40 247 37 076 34 007 31 045 28 196 25 467 22 864 20 392 18 058 15 867 13 823 11 930 10 191 8 607 7 180 5 908 4 788 3 815 2 984 2 286 1 711 1 248 884 606 400 253 151 85 44 20 8 2
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
13
Interest Rate: 5.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
37 689 35 847 34 089 32 412 30 813 29 291 27 841 26 462 25 152 23 907 22 725 21 602 20 535 19 522 18 559 17 644 16 773 15 944 15 155 14 404 13 688 13 006 12 356 11 737 11 148 10 587 10 053 9 546 9 063 8 603 8 166 7 751 7 357 6 981 6 625 6 286 5 964 5 656 5 362 5 079 4 809
724 342 686 653 650 806 616 716 584 304 553 491 524 200 496 359 469 897 444 745 420 838 398 113 376 511 355 976 336 454 317 895 300 251 283 478 267 533 252 378 237 975 224 287 211 281 198 926 187 188 176 041 165 453 155 400 145 855 136 792 128 189 120 023 112 271 104 915 97 933 91 309 85 023 79 058 73 402 68 040 62 961
12 492 895 11 768 554 11 081 901 10 431 096 9 814 379 9 230 075 8 676 584 8 152 384 7 656 025 7 186 128 6 741 383 6 320 545 5 922 432 5 545 920 5 189 944 4 853 490 4 535 595 4 235 344 3 951 867 3 684 333 3 431 955 3 193 981 2 969 694 2 758 412 2 559 487 2 372 298 2 196 258 2 030 804 1 875 404 1 729 549 1 592 757 1 464 568 1 344 546 1 232 275 1 127 360 1 029 426 938 118 853 095 774 037 700 635 632 594
47 51 54 55 56 55 53 50 47 44 41 38 35 33 32 31 30 30 30 30 30 30 30 30 30 30 29 28 28 27 26 26 25 24 23 23 24 25 27 29 31
3 196 3 149 3 098 3 044 2 989 2 933 2 878 2 826 2 775 2 728 2 684 2 643 2 605 2 570 2 537 2 505 2 475 2 445 2 415 2 385 2 355 2 325 2 294 2 264 2 234 2 204 2 174 2 145 2 116 2 089 2 062 2 035 2 010 1 985 1 961 1 937 1 915 1 891 1 866 1 839 1 810
129 390 126 194 123 046 119 948 116 904 113 915 110 982 108 103 105 278 102 502 99 774 97 090 94 447 91 841 89 271 86 734 84 229 81 754 79 309 76 894 74 509 72 154 69 830 67 536 65 272 63 038 60 835 58 661 56 516 54 399 52 311 50 249 48 214 46 204 44 220 42 259 40 322 38 407 36 516 34 650 32 811
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
14
Interest Rate: 5.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
4 549 4 300 4 060 3 830 3 608 3 395 3 189 2 991 2 799 2 614 2 435 2 262 2 095 1 933 1 777 1 626 1 480 1 340 1 205 1 076 953 837 727 624 529 441 363 292 231 178 133 97 68 46 30 19 11 6 3 1
58 152 53 603 49 303 45 243 41 413 37 805 34 410 31 221 28 231 25 432 22 818 20 383 18 121 16 026 14 093 12 316 10 690 9 210 7 870 6 665 5 589 4 636 3 800 3 073 2 449 1 920 1 479 1 116 824 593 415 282 185 116 70 40 21 11 5 1
569 633 511 481 457 878 408 574 363 331 321 918 284 112 249 702 218 481 190 250 164 818 142 000 121 617 103 496 87 471 73 378 61 062 50 372 41 162 33 291 26 626 21 037 16 401 12 601 9 529 7 080 5 159 3 680 2 564 1 740 1 147 732 449 265 148 78 38 17 6 1
33 35 37 39 42 44 47 49 52 54 57 60 62 64 66 68 70 71 72 72 71 70 68 65 62 58 53 48 42 36 30 24 19 14 10 7 4 3 1 1
1 779 1 747 1 712 1 675 1 636 1 594 1 550 1 503 1 454 1 402 1 348 1 291 1 231 1 169 1 105 1 039 970 901 830 758 686 615 545 477 411 349 292 238 191 149 113 83 59 40 26 16 9 5 2 1
31 001 29 222 27 476 25 764 24 089 22 453 20 860 19 310 17 807 16 353 14 950 13 602 12 312 11 080 9 911 8 806 7 767 6 797 5 896 5 067 4 308 3 622 3 007 2 462 1 985 1 574 1 224 933 694 503 354 241 158 99 59 33 17 8 3 1
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
15
Interest Rate: 6.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
31 180 29 377 27 673 26 063 24 544 23 111 21 760 20 487 19 289 18 161 17 100 16 102 15 162 14 278 13 446 12 662 11 924 11 228 10 571 9 952 9 368 8 818 8 298 7 808 7 346 6 911 6 501 6 114 5 750 5 407 5 084 4 780 4 494 4 224 3 971 3 732 3 508 3 295 3 094 2 904 2 723
518 277 487 097 457 720 430 047 403 984 379 440 356 330 334 570 314 083 294 794 276 632 259 532 243 430 228 268 213 990 200 543 187 881 175 957 164 729 154 158 144 206 134 837 126 020 117 722 109 913 102 567 95 656 89 156 83 042 77 292 71 885 66 801 62 021 57 528 53 303 49 332 45 600 42 093 38 797 35 703 32 799
7 998 184 7 479 907 6 992 810 6 535 090 6 105 043 5 701 058 5 321 618 4 965 289 4 630 719 4 316 636 4 021 842 3 745 210 3 485 678 3 242 247 3 013 979 2 799 989 2 599 446 2 411 565 2 235 608 2 070 878 1 916 720 1 772 514 1 637 677 1 511 657 1 393 936 1 284 022 1 181 455 1 085 799 996 643 913 601 836 309 764 423 697 622 635 601 578 073 524 770 475 438 429 837 387 745 348 948 313 245
39 41 43 44 44 43 41 39 36 33 30 28 26 24 23 22 21 21 21 21 21 20 20 20 20 19 19 18 17 17 16 16 15 14 14 13 14 15 15 16 17
1 844 1 805 1 764 1 721 1 677 1 633 1 590 1 549 1 510 1 475 1 441 1 411 1 383 1 357 1 333 1 311 1 289 1 268 1 247 1 226 1 206 1 185 1 165 1 144 1 124 1 105 1 086 1 067 1 049 1 032 1 015 999 983 968 953 940 926 912 898 882 866
65 530 63 686 61 881 60 117 58 397 56 720 55 088 53 498 51 949 50 438 48 964 47 522 46 111 44 728 43 371 42 037 40 727 39 438 38 170 36 923 35 697 34 492 33 307 32 142 30 997 29 873 28 768 27 682 26 615 25 566 24 535 23 520 22 521 21 538 20 571 19 617 18 678 17 751 16 839 15 941 15 059
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
16
Interest Rate: 6.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
2 552 2 389 2 235 2 088 1 949 1 816 1 690 1 570 1 455 1 346 1 242 1 143 1 049 959 873 791 713 640 570 504 442 385 331 281 236 195 159 127 99 76 56 41 28 19 12 7 4 2 1 1
30 077 27 525 25 136 22 901 20 813 18 865 17 049 15 359 13 789 12 334 10 988 9 745 8 602 7 553 6 595 5 722 4 931 4 218 3 578 3 008 2 504 2 062 1 677 1 346 1 065 829 633 474 347 248 172 116 76 47 28 16 8 4 2 1
280 445 250 369 222 844 197 708 174 806 153 993 135 128 118 079 102 720 88 931 76 597 65 609 55 864 47 262 39 709 33 114 27 392 22 461 18 243 14 665 11 657 9 153 7 091 5 414 4 068 3 003 2 174 1 541 1 066 719 471 298 182 106 59 31 15 6 2 1
18 19 20 21 22 23 24 26 27 28 29 30 31 32 32 33 33 34 34 33 33 32 31 29 27 25 23 21 18 15 13 10 8 6 4 3 2 1 1 0
849 831 812 791 770 748 725 700 675 648 620 591 562 531 499 467 434 401 367 334 300 268 236 205 176 148 123 100 79 61 46 34 24 16 10 6 4 2 1 0
14 192 13 344 12 513 11 701 10 910 10 140 9 392 8 667 7 967 7 292 6 645 6 024 5 433 4 872 4 341 3 842 3 375 2 941 2 540 2 173 1 839 1 539 1 271 1 036 831 655 507 384 284 205 143 97 63 39 23 13 7 3 1 0
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
17
Interest Rate: 7.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
25 842 24 120 22 508 21 001 19 592 18 275 17 046 15 899 14 830 13 832 12 902 12 035 11 227 10 474 9 771 9 116 8 504 7 933 7 399 6 901 6 435 6 000 5 594 5 214 4 860 4 529 4 220 3 932 3 664 3 413 3 179 2 961 2 758 2 568 2 392 2 227 2 073 1 930 1 795 1 669 1 550
377 888 352 046 327 927 305 419 284 418 264 826 246 551 229 504 213 605 198 776 184 944 172 041 160 006 148 779 138 305 128 534 119 418 110 914 102 982 95 583 88 682 82 247 76 247 70 653 65 439 60 579 56 050 51 829 47 897 44 233 40 820 37 641 34 680 31 922 29 354 26 962 24 736 22 662 20 733 18 938 17 269
5 251 704 4 873 816 4 521 770 4 193 844 3 888 425 3 604 007 3 339 181 3 092 631 2 863 126 2 649 521 2 450 745 2 265 802 2 093 760 1 933 754 1 784 975 1 646 671 1 518 137 1 398 719 1 287 805 1 184 823 1 089 241 1 000 559 918 312 842 065 771 412 705 973 645 394 589 344 537 515 489 618 445 385 404 565 366 924 332 244 300 322 270 968 244 006 219 270 196 608 175 875 156 937
32 34 35 35 35 34 32 30 27 25 23 21 19 17 16 16 15 15 14 14 14 14 14 13 13 12 12 12 11 11 10 10 9 9 8 8 8 8 9 9 10
1 120 1 088 1 055 1 020 985 950 917 885 855 828 803 780 760 741 723 707 691 676 662 647 633 619 606 592 579 566 554 542 530 519 509 498 489 480 471 463 455 447 438 430 420
34 311 33 191 32 102 31 048 30 028 29 043 28 092 27 176 26 291 25 436 24 608 23 805 23 025 22 265 21 524 20 801 20 094 19 403 18 727 18 065 17 418 16 784 16 165 15 559 14 967 14 388 13 822 13 269 12 727 12 197 11 678 11 169 10 671 10 182 9 702 9 231 8 768 8 313 7 867 7 428 6 999
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
18
Interest Rate: 7.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
1 439 1 335 1 237 1 145 1 058 977 901 829 761 698 638 581 528 478 432 388 346 308 271 238 207 178 152 128 106 87 70 56 43 33 24 17 12 8 5 3 2 1 0 0
15 719 14 280 12 946 11 709 10 564 9 506 8 528 7 628 6 799 6 037 5 340 4 702 4 120 3 592 3 113 2 682 2 294 1 948 1 641 1 369 1 131 925 747 595 467 361 274 203 148 105 72 48 31 19 11 6 3 2 1 0
139 667 123 948 109 668 96 722 85 013 74 449 64 944 56 415 48 787 41 989 35 951 30 612 25 910 21 790 18 198 15 084 12 402 10 108 8 160 6 519 5 150 4 018 3 093 2 347 1 752 1 285 924 651 447 300 195 123 74 43 24 12 6 3 1 0
10 11 11 12 12 12 13 13 14 14 15 15 15 16 16 16 16 16 16 16 15 15 14 13 12 11 10 9 8 6 5 4 3 2 2 1 1 0 0 0
411 400 390 379 367 355 343 330 316 303 288 274 259 243 228 212 196 180 164 148 133 117 103 89 76 63 52 42 33 26 19 14 10 7 4 3 1 1 0 0
6 578 6 168 5 768 5 378 4 999 4 632 4 277 3 934 3 604 3 287 2 985 2 696 2 423 2 164 1 921 1 693 1 481 1 285 1 105 941 793 660 543 440 351 275 212 160 117 84 59 39 26 16 9 5 3 1 0 0
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
19
Interest Rate: 8.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
21 455 19 840 18 342 16 956 15 672 14 483 13 384 12 368 11 429 10 562 9 760 9 020 8 337 7 705 7 122 6 582 6 084 5 623 5 196 4 801 4 436 4 097 3 785 3 495 3 228 2 980 2 751 2 540 2 344 2 164 1 997 1 843 1 700 1 569 1 447 1 335 1 231 1 135 1 046 964 887
279 992 258 537 238 697 220 355 203 399 187 727 173 244 159 860 147 492 136 063 125 502 115 741 106 721 98 384 90 679 83 557 76 975 70 891 65 268 60 073 55 272 50 836 46 739 42 954 39 459 36 231 33 251 30 500 27 960 25 616 23 452 21 456 19 613 17 913 16 344 14 897 13 562 12 331 11 195 10 149 9 185
3 528 405 3 248 414 2 989 877 2 751 180 2 530 825 2 327 426 2 139 699 1 966 455 1 806 595 1 659 102 1 523 039 1 397 538 1 281 797 1 175 076 1 076 691 986 012 902 455 825 481 754 590 689 321 629 249 573 977 523 141 476 403 433 449 393 990 357 759 324 508 294 009 266 049 240 433 216 980 195 525 175 912 157 999 141 654 126 757 113 195 100 864 89 669 79 520
26 27 28 28 27 26 25 23 21 19 17 15 14 13 12 11 11 10 10 10 10 9 9 9 8 8 8 7 7 7 6 6 6 5 5 5 5 5 5 5 6
715 689 661 633 605 577 551 526 504 483 464 447 431 418 405 393 382 371 361 351 341 332 323 313 305 296 288 280 273 266 259 253 247 242 236 231 227 222 217 212 207
18 625 17 910 17 222 16 561 15 928 15 323 14 745 14 194 13 668 13 164 12 681 12 217 11 771 11 339 10 922 10 517 10 124 9 742 9 370 9 009 8 658 8 317 7 985 7 663 7 349 7 044 6 748 6 460 6 180 5 907 5 641 5 381 5 128 4 881 4 639 4 403 4 171 3 944 3 722 3 505 3 293
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
20
Interest Rate: 8.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
816 750 688 631 578 529 483 440 401 364 330 298 268 240 215 191 169 149 130 113 97 83 70 59 48 39 31 24 19 14 10 7 5 3 2 1 1 0 0 0
8 298 7 482 6 732 6 044 5 413 4 835 4 306 3 823 3 383 2 982 2 618 2 289 1 991 1 723 1 483 1 268 1 077 908 759 629 516 418 335 265 207 158 119 88 63 45 30 20 13 8 5 3 1 1 0 0
70 335 62 037 54 555 47 822 41 778 36 365 31 530 27 224 23 402 20 019 17 037 14 419 12 131 10 140 8 417 6 934 5 666 4 590 3 682 2 924 2 295 1 780 1 361 1 026 761 555 396 277 189 126 81 51 31 18 10 5 2 1 0 0
6 6 6 6 6 7 7 7 7 7 7 8 8 8 8 8 8 8 8 7 7 7 6 6 6 5 4 4 3 3 2 2 1 1 1 0 0 0 0 0
201 195 190 183 177 171 164 157 150 143 136 128 120 113 105 97 89 82 74 66 59 52 45 39 33 27 22 18 14 11 8 6 4 3 2 1 1 0 0 0
3 087 2 885 2 690 2 500 2 317 2 140 1 969 1 805 1 648 1 498 1 355 1 219 1 091 971 858 753 656 567 485 411 345 286 234 188 150 117 89 67 49 35 24 16 10 6 4 2 1 0 0 0
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
21
Interest Rate: 9.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
17 843 16 348 14 976 13 717 12 562 11 503 10 532 9 643 8 829 8 084 7 403 6 779 6 207 5 685 5 206 4 768 4 366 3 998 3 661 3 351 3 068 2 808 2 570 2 352 2 152 1 968 1 801 1 647 1 506 1 377 1 259 1 152 1 053 962 880 804 735 671 613 560 510
210 330 192 487 176 138 161 162 147 446 134 884 123 381 112 849 103 206 94 376 86 292 78 890 72 111 65 904 60 219 55 013 50 246 45 880 41 882 38 221 34 870 31 802 28 994 26 424 24 072 21 921 19 953 18 152 16 505 14 999 13 622 12 362 11 211 10 158 9 196 8 316 7 512 6 777 6 105 5 492 4 933
2 420 093 2 209 763 2 017 276 1 841 138 1 679 975 1 532 530 1 397 646 1 274 264 1 161 415 1 058 209 963 833 877 541 798 651 726 540 660 637 600 418 545 405 495 159 449 279 407 398 369 176 334 307 302 505 273 511 247 087 223 014 201 093 181 141 162 989 146 484 131 485 117 863 105 501 94 290 84 132 74 936 66 620 59 109 52 332 46 227 40 735
21 22 23 23 22 21 19 18 16 14 13 11 10 9 9 8 8 7 7 7 7 6 6 6 6 5 5 5 4 4 4 4 3 3 3 3 3 3 3 3 3
476 455 433 410 387 365 345 325 308 292 278 265 253 243 234 225 217 210 202 195 189 182 176 170 164 158 153 148 143 139 135 131 127 124 120 117 115 112 109 106 103
10 505 10 028 9 573 9 141 8 731 8 344 7 978 7 634 7 308 7 000 6 708 6 431 6 166 5 913 5 670 5 436 5 211 4 994 4 784 4 582 4 387 4 198 4 016 3 840 3 670 3 506 3 348 3 195 3 047 2 903 2 764 2 630 2 499 2 372 2 248 2 128 2 010 1 896 1 784 1 675 1 569
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
22
Interest Rate: 9.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
465 423 385 350 318 288 260 235 212 191 171 153 137 122 108 95 83 73 63 54 46 39 33 27 22 18 14 11 8 6 4 3 2 1 1 1 0 0 0 0
4 422 3 957 3 534 3 149 2 799 2 481 2 193 1 933 1 698 1 486 1 295 1 123 970 833 712 604 509 426 354 291 237 191 152 119 92 70 52 38 27 19 13 9 5 3 2 1 1 0 0 0
35 802 31 380 27 422 23 888 20 740 17 941 15 459 13 266 11 333 9 635 8 150 6 855 5 732 4 762 3 928 3 216 2 612 2 103 1 676 1 323 1 032 795 604 453 333 241 171 119 81 53 34 21 13 7 4 2 1 0 0 0
3 3 3 3 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 3 3 3 3 3 2 2 2 2 1 1 1 1 1 0 0 0 0 0 0 0
100 97 93 90 86 83 79 76 72 68 64 60 57 53 49 45 41 37 34 30 27 23 20 17 14 12 10 8 6 5 3 2 2 1 1 0 0 0 0 0
1 466 1 366 1 269 1 176 1 086 999 916 837 761 689 621 557 496 440 387 338 293 252 215 181 151 125 102 81 64 50 38 28 21 15 10 7 4 3 2 1 0 0 0 0
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
23
Interest Rate: 10.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
14 864 13 495 12 250 11 118 10 089 9 155 8 306 7 536 6 837 6 203 5 629 5 107 4 634 4 205 3 816 3 463 3 143 2 852 2 587 2 347 2 129 1 931 1 751 1 588 1 440 1 305 1 183 1 072 972 880 798 723 655 593 537 487 441 399 361 326 295
159 882 145 017 131 522 119 272 108 154 98 065 88 910 80 604 73 068 66 231 60 027 54 399 49 292 44 657 40 452 36 635 33 172 30 030 27 178 24 591 22 244 20 115 18 184 16 432 14 845 13 405 12 100 10 917 9 845 8 873 7 993 7 195 6 472 5 818 5 224 4 687 4 201 3 760 3 361 3 000 2 673
1 690 914 1 531 032 1 386 014 1 254 492 1 135 220 1 027 066 929 002 840 092 759 488 686 420 620 189 560 162 505 763 456 471 411 814 371 362 334 727 301 555 271 525 244 347 219 756 197 513 177 398 159 214 142 782 127 937 114 533 102 433 91 516 81 671 72 798 64 805 57 610 51 137 45 320 40 095 35 408 31 208 27 448 24 087 21 087
18 18 18 18 17 16 15 14 12 11 10 9 8 7 6 6 5 5 5 5 4 4 4 4 4 3 3 3 3 3 2 2 2 2 2 2 2 2 2 2 2
330 312 294 275 257 240 223 208 195 182 172 162 153 146 139 133 127 122 116 112 107 102 98 94 90 86 83 80 77 74 71 69 66 64 62 61 59 57 55 54 52
6 162 5 832 5 520 5 227 4 952 4 695 4 455 4 231 4 023 3 828 3 646 3 475 3 313 3 159 3 014 2 875 2 742 2 615 2 494 2 377 2 266 2 159 2 056 1 958 1 864 1 774 1 688 1 605 1 525 1 448 1 375 1 303 1 235 1 168 1 104 1 042 981 922 865 810 756
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
24
Interest Rate: 10.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
266 240 217 195 175 158 141 126 113 101 90 79 70 62 54 47 41 36 31 26 22 18 15 13 10 8 6 5 4 3 2 1 1 1 0 0 0 0 0 0
2 378 2 112 1 872 1 655 1 460 1 285 1 127 986 859 746 646 556 477 406 345 290 243 202 166 136 110 88 69 54 41 31 23 17 12 8 6 4 2 1 1 0 0 0 0 0
18 414 16 036 13 924 12 052 10 397 8 937 7 652 6 525 5 540 4 680 3 934 3 289 2 732 2 256 1 849 1 505 1 214 971 770 603 468 358 270 201 147 106 75 52 35 23 15 9 5 3 2 1 0 0 0 0
2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 1 1 1 1 1 1 1 1 1 0 0 0 0 0 0 0 0 0 0
50 48 46 45 43 41 39 37 35 33 31 29 27 25 23 21 19 17 15 14 12 10 9 8 6 5 4 3 3 2 1 1 1 0 0 0 0 0 0 0
704 654 606 559 515 472 431 392 355 321 288 257 228 201 176 153 132 113 96 81 67 55 45 36 28 22 16 12 9 6 4 3 2 1 1 0 0 0 0 0
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
25
Interest Rate:
0.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
100 000 99 852 99 694 99 527 99 353 99 176 98 997 98 820 98 648 98 482 98 323 98 172 98 029 97 893 97 763 97 637 97 511 97 385 97 255 97 121 96 981 96 833 96 677 96 512 96 339 96 158 95 954 95 728 95 480 95 205 94 903 94 569 94 201 93 796 93 350 92 859 92 319 91 724 91 072 90 355 89 568
5 758 238 5 658 238 5 558 386 5 458 692 5 359 166 5 259 813 5 160 637 5 061 640 4 962 820 4 864 172 4 765 690 4 667 367 4 569 195 4 471 166 4 373 273 4 275 509 4 177 873 4 080 361 3 982 977 3 885 721 3 788 600 3 691 619 3 594 787 3 498 110 3 401 598 3 305 258 3 209 101 3 113 147 3 017 419 2 921 939 2 826 734 2 731 831 2 637 262 2 543 061 2 449 264 2 355 914 2 263 055 2 170 737 2 079 012 1 987 941 1 897 586
178 753 628 172 995 390 167 337 152 161 778 766 156 320 074 150 960 908 145 701 095 140 540 458 135 478 817 130 515 997 125 651 825 120 886 135 116 218 767 111 649 572 107 178 406 102 805 133 98 529 624 94 351 751 90 271 390 86 288 413 82 402 692 78 614 092 74 922 473 71 327 686 67 829 576 64 427 978 61 122 720 57 913 619 54 800 472 51 783 053 48 861 114 46 034 380 43 302 549 40 665 287 38 122 227 35 672 963 33 317 048 31 053 993 28 883 256 26 804 244 24 816 303
148 158 167 174 177 179 177 172 166 159 151 143 136 130 126 125 126 130 134 141 148 156 164 173 182 204 225 249 274 303 334 368 405 446 491 540 594 653 717 787 862
99 681 99 533 99 374 99 207 99 034 98 856 98 678 98 501 98 329 98 163 98 004 97 853 97 710 97 574 97 444 97 317 97 192 97 066 96 936 96 802 96 661 96 513 96 358 96 193 96 020 95 838 95 634 95 409 95 160 94 886 94 584 94 250 93 882 93 477 93 031 92 540 91 999 91 405 90 752 90 035 89 249
5 732 383 5 632 702 5 533 169 5 433 795 5 334 588 5 235 554 5 136 697 5 038 020 4 939 519 4 841 190 4 743 027 4 645 024 4 547 171 4 449 461 4 351 886 4 254 442 4 157 125 4 059 933 3 962 867 3 865 931 3 769 129 3 672 468 3 575 954 3 479 597 3 383 403 3 287 383 3 191 545 3 095 910 3 000 501 2 905 341 2 810 455 2 715 871 2 621 621 2 527 739 2 434 262 2 341 231 2 248 691 2 156 692 2 065 287 1 974 534 1 884 499
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
26
Interest Rate:
0.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
88 706 87 762 86 729 85 601 84 369 83 028 81 568 79 983 78 266 76 409 74 406 72 251 69 939 67 468 64 836 62 043 59 094 55 994 52 753 49 386 45 911 42 350 38 732 35 088 31 455 27 872 24 382 21 028 17 852 14 894 12 189 9 765 7 641 5 825 4 314 3 095 2 143 1 427 910 554
1 808 018 1 719 312 1 631 550 1 544 821 1 459 220 1 374 851 1 291 824 1 210 255 1 130 272 1 052 006 975 597 901 191 828 940 759 001 691 533 626 697 564 653 505 560 449 566 396 813 347 427 301 517 259 166 220 434 185 346 153 891 126 019 101 637 80 609 62 757 47 864 35 675 25 910 18 269 12 444 8 129 5 034 2 891 1 464 554
22 918 717 21 110 699 19 391 387 17 759 837 16 215 016 14 755 796 13 380 945 12 089 121 10 878 866 9 748 594 8 696 588 7 720 991 6 819 799 5 990 859 5 231 858 4 540 326 3 913 629 3 348 975 2 843 416 2 393 849 1 997 036 1 649 609 1 348 092 1 088 926 868 492 683 146 529 255 403 236 301 599 220 990 158 233 110 369 74 694 48 785 30 516 18 072 9 943 4 909 2 017 554
944 1 033 1 128 1 231 1 342 1 459 1 585 1 717 1 857 2 003 2 155 2 311 2 471 2 632 2 793 2 950 3 100 3 241 3 367 3 475 3 560 3 618 3 644 3 633 3 583 3 490 3 354 3 176 2 958 2 705 2 424 2 124 1 816 1 511 1 219 952 716 517 357 234
88 387 87 443 86 410 85 281 84 050 82 708 81 249 79 664 77 947 76 090 74 087 71 932 69 620 67 149 64 517 61 724 58 774 55 674 52 434 49 067 45 592 42 031 38 413 34 769 31 136 27 553 24 063 20 708 17 532 14 575 11 870 9 446 7 322 5 506 3 995 2 776 1 824 1 108 591 234
1 795 250 1 706 863 1 619 421 1 533 011 1 447 729 1 363 679 1 280 971 1 199 722 1 120 058 1 042 111 966 021 891 934 820 003 750 383 683 234 618 717 556 993 498 218 442 544 390 110 341 043 295 452 253 421 215 008 180 239 149 103 121 550 97 487 76 779 59 246 44 672 32 802 23 356 16 034 10 529 6 533 3 758 1 934 825 234
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
27
Interest Rate:
1.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
81 954 81 023 80 093 79 168 78 247 77 334 76 430 75 539 74 660 73 797 72 948 72 115 71 297 70 493 69 703 68 923 68 153 67 391 66 635 65 884 65 137 64 394 63 654 62 916 62 182 61 450 60 712 59 970 59 222 58 467 57 705 56 932 56 150 55 354 54 546 53 721 52 880 52 020 51 138 50 233 49 303
3 560 125 3 478 171 3 397 148 3 317 054 3 237 887 3 159 640 3 082 306 3 005 875 2 930 337 2 855 677 2 781 880 2 708 932 2 636 817 2 565 520 2 495 027 2 425 324 2 356 401 2 288 248 2 220 857 2 154 222 2 088 338 2 023 201 1 958 807 1 895 153 1 832 236 1 770 055 1 708 605 1 647 892 1 587 922 1 528 700 1 470 232 1 412 528 1 355 595 1 299 446 1 244 091 1 189 546 1 135 824 1 082 944 1 030 925 979 787 929 554
98 395 260 94 835 134 91 356 963 87 959 816 84 642 761 81 404 874 78 245 235 75 162 929 72 157 053 69 226 717 66 371 040 63 589 160 60 880 228 58 243 411 55 677 891 53 182 865 50 757 541 48 401 140 46 112 892 43 892 035 41 737 813 39 649 475 37 626 274 35 667 467 33 772 314 31 940 078 30 170 023 28 461 419 26 813 526 25 225 604 23 696 905 22 226 672 20 814 145 19 458 549 18 159 103 16 915 012 15 725 466 14 589 642 13 506 698 12 475 773 11 495 986
120 127 133 137 138 138 135 130 124 118 111 104 98 93 89 88 87 89 91 94 98 103 107 112 116 129 141 154 168 184 201 219 239 261 284 310 337 367 399 433 470
46 589 46 469 46 342 46 209 46 072 45 934 45 796 45 661 45 530 45 406 45 288 45 177 45 073 44 975 44 882 44 793 44 706 44 618 44 529 44 438 44 344 44 246 44 143 44 036 43 924 43 808 43 679 43 538 43 383 43 215 43 031 42 830 42 611 42 372 42 111 41 827 41 517 41 180 40 814 40 415 39 982
2 576 451 2 529 862 2 483 393 2 437 051 2 390 843 2 344 771 2 298 837 2 253 042 2 207 381 2 161 851 2 116 445 2 071 157 2 025 980 1 980 907 1 935 932 1 891 049 1 846 256 1 801 551 1 756 933 1 712 403 1 667 965 1 623 621 1 579 376 1 535 233 1 491 197 1 447 273 1 403 465 1 359 786 1 316 249 1 272 865 1 229 651 1 186 620 1 143 789 1 101 179 1 058 807 1 016 696 974 869 933 351 892 171 851 357 810 941
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
28
Interest Rate:
1.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
48 345 47 357 46 336 45 280 44 187 43 054 41 878 40 658 39 391 38 076 36 710 35 294 33 827 32 309 30 741 29 125 27 466 25 767 24 036 22 279 20 506 18 729 16 959 15 211 13 501 11 845 10 259 8 760 7 363 6 082 4 929 3 909 3 029 2 286 1 676 1 191 816 538 340 205
880 251 831 906 784 550 738 214 692 933 648 746 605 692 563 814 523 156 483 765 445 689 408 979 373 685 339 858 307 549 276 809 247 683 220 217 194 450 170 414 148 135 127 629 108 901 91 942 76 730 63 229 51 384 41 125 32 365 25 002 18 919 13 991 10 081 7 052 4 766 3 090 1 899 1 083 545 205
10 566 433 9 686 182 8 854 276 8 069 726 7 331 513 6 638 579 5 989 833 5 384 141 4 820 326 4 297 170 3 813 405 3 367 716 2 958 737 2 585 053 2 245 195 1 937 646 1 660 837 1 413 154 1 192 937 998 487 828 073 679 938 552 309 443 408 351 466 274 736 211 507 160 123 118 997 86 633 61 631 42 712 28 721 18 640 11 588 6 821 3 731 1 832 749 205
509 552 597 645 696 749 806 864 925 988 1 053 1 118 1 183 1 248 1 311 1 371 1 427 1 477 1 519 1 552 1 575 1 584 1 580 1 559 1 523 1 469 1 397 1 310 1 208 1 094 970 842 713 587 469 363 270 193 132 86
39 513 39 003 38 451 37 854 37 209 36 514 35 764 34 959 34 095 33 169 32 181 31 128 30 010 28 827 27 579 26 268 24 897 23 470 21 994 20 475 18 923 17 348 15 764 14 184 12 625 11 102 9 634 8 236 6 926 5 718 4 624 3 654 2 812 2 099 1 512 1 043 681 411 218 86
770 959 731 446 692 443 653 992 616 138 578 928 542 415 506 650 471 691 437 597 404 428 372 247 341 119 311 108 282 282 254 703 228 435 203 538 180 068 158 074 137 600 118 677 101 329 85 565 71 381 58 756 47 654 38 021 29 785 22 859 17 140 12 516 8 862 6 050 3 951 2 438 1 395 714 303 86
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
29
Interest Rate:
2.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
67 297 65 880 64 486 63 115 61 770 60 451 59 159 57 895 56 661 55 456 54 281 53 135 52 018 50 927 49 862 48 821 47 802 46 804 45 826 44 865 43 922 42 995 42 084 41 188 40 308 39 444 38 588 37 743 36 906 36 079 35 259 34 446 33 639 32 838 32 041 31 247 30 456 29 667 28 878 28 089 27 299
2 284 019 2 216 722 2 150 842 2 086 356 2 023 241 1 961 471 1 901 020 1 841 862 1 783 967 1 727 306 1 671 850 1 617 568 1 564 433 1 512 415 1 461 489 1 411 627 1 362 806 1 315 003 1 268 199 1 222 373 1 177 509 1 133 587 1 090 592 1 048 508 1 007 320 967 012 927 568 888 980 851 237 814 331 778 252 742 993 708 547 674 907 642 069 610 028 578 781 548 325 518 657 489 779 461 690
55 985 038 53 701 019 51 484 298 49 333 456 47 247 100 45 223 859 43 262 388 41 361 368 39 519 506 37 735 539 36 008 233 34 336 384 32 718 815 31 154 382 29 641 967 28 180 478 26 768 852 25 406 046 24 091 043 22 822 844 21 600 471 20 422 962 19 289 375 18 198 783 17 150 275 16 142 955 15 175 943 14 248 375 13 359 395 12 508 158 11 693 827 10 915 575 10 172 582 9 464 036 8 789 128 8 147 059 7 537 030 6 958 250 6 409 925 5 891 268 5 401 488
98 102 106 108 108 107 104 99 94 88 82 76 71 66 63 61 61 61 62 64 66 68 70 72 75 82 89 96 104 112 122 131 142 153 165 178 192 207 223 240 258
22 469 22 372 22 269 22 163 22 055 21 947 21 840 21 737 21 638 21 544 21 457 21 375 21 299 21 229 21 162 21 099 21 037 20 977 20 916 20 854 20 790 20 724 20 656 20 586 20 514 20 439 20 357 20 268 20 172 20 068 19 956 19 834 19 703 19 561 19 408 19 243 19 065 18 872 18 665 18 443 18 203
1 182 774 1 160 305 1 137 933 1 115 664 1 093 501 1 071 446 1 049 498 1 027 658 1 005 921 984 283 962 739 941 282 919 907 898 608 877 379 856 217 835 118 814 081 793 104 772 189 751 335 730 545 709 821 689 164 668 578 648 064 627 625 607 267 586 999 566 827 546 758 526 802 506 968 487 265 467 703 448 295 429 052 409 988 391 115 372 450 354 007
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
30
Interest Rate:
2.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
26 506 25 710 24 909 24 103 23 290 22 470 21 643 20 806 19 960 19 104 18 239 17 363 16 478 15 584 14 683 13 775 12 863 11 949 11 037 10 130 9 232 8 349 7 486 6 649 5 844 5 076 4 354 3 681 3 064 2 506 2 011 1 579 1 212 905 657 462 314 205 128 76
434 391 407 885 382 176 357 267 333 164 309 874 287 403 265 761 244 955 224 995 205 890 187 652 170 288 153 810 138 226 123 543 109 769 96 906 84 957 73 921 63 791 54 559 46 210 38 724 32 075 26 231 21 155 16 801 13 120 10 056 7 550 5 540 3 960 2 749 1 843 1 186 724 410 205 76
4 939 799 4 505 408 4 097 523 3 715 347 3 358 080 3 024 917 2 715 043 2 427 639 2 161 879 1 916 924 1 691 929 1 486 039 1 298 387 1 128 099 974 288 836 063 712 519 602 751 505 844 420 887 346 966 283 175 228 616 182 406 143 682 111 607 85 376 64 221 47 420 34 299 24 243 16 692 11 153 7 192 4 443 2 600 1 414 691 281 76
277 297 318 340 363 387 412 438 464 491 518 545 571 596 620 642 662 678 691 699 702 699 690 675 653 623 587 545 498 446 392 337 282 230 182 139 103 73 49 32
17 945 17 669 17 372 17 054 16 714 16 351 15 964 15 552 15 114 14 650 14 158 13 641 13 096 12 525 11 929 11 309 10 667 10 005 9 328 8 637 7 938 7 236 6 537 5 846 5 171 4 519 3 896 3 308 2 763 2 266 1 819 1 427 1 091 808 578 396 257 154 81 32
335 804 317 859 300 190 282 818 265 764 249 050 232 699 216 735 201 183 186 069 171 419 157 261 143 620 130 524 117 999 106 070 94 761 84 094 74 088 64 761 56 124 48 186 40 950 34 413 28 567 23 395 18 876 14 981 11 672 8 909 6 643 4 824 3 396 2 305 1 497 919 523 266 113 32
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
31
Interest Rate:
3.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
55 368 53 675 52 029 50 429 48 875 47 367 45 904 44 488 43 117 41 790 40 508 39 268 38 068 36 908 35 786 34 698 33 645 32 622 31 630 30 666 29 730 28 820 27 936 27 076 26 240 25 428 24 635 23 861 23 106 22 369 21 648 20 944 20 255 19 580 18 919 18 272 17 636 17 012 16 399 15 796 15 203
1 514 847 1 459 479 1 405 804 1 353 774 1 303 345 1 254 470 1 207 103 1 161 199 1 116 711 1 073 594 1 031 804 991 296 952 028 913 960 877 052 841 266 806 567 772 923 740 301 708 671 678 004 648 274 619 454 591 518 564 443 538 202 512 775 488 140 464 279 441 173 418 804 397 156 376 213 355 958 336 378 317 459 299 187 281 551 264 539 248 140 232 343
32 900 886 31 386 039 29 926 560 28 520 757 27 166 983 25 863 638 24 609 168 23 402 065 22 240 866 21 124 156 20 050 561 19 018 758 18 027 462 17 075 433 16 161 473 15 284 422 14 443 156 13 636 588 12 863 665 12 123 365 11 414 694 10 736 690 10 088 416 9 468 962 8 877 443 8 313 001 7 774 798 7 262 024 6 773 884 6 309 605 5 868 432 5 449 628 5 052 472 4 676 259 4 320 301 3 983 922 3 666 463 3 367 276 3 085 725 2 821 186 2 573 046
80 83 85 85 85 83 80 75 70 65 60 56 51 48 45 43 42 42 42 43 44 45 46 47 48 52 56 60 64 69 74 79 85 90 97 103 110 118 125 133 142
11 230 11 150 11 067 10 983 10 897 10 813 10 730 10 650 10 575 10 505 10 439 10 379 10 323 10 272 10 224 10 179 10 136 10 094 10 052 10 009 9 966 9 922 9 877 9 831 9 784 9 736 9 683 9 627 9 567 9 503 9 434 9 360 9 281 9 196 9 106 9 009 8 906 8 796 8 678 8 553 8 419
555 262 544 032 532 882 521 815 510 832 499 934 489 122 478 392 467 741 457 166 446 662 436 223 425 844 415 521 405 249 395 024 384 845 374 709 364 615 354 563 344 554 334 588 324 665 314 788 304 957 295 173 285 437 275 754 266 127 256 559 247 057 237 623 228 263 218 982 209 786 200 681 191 672 182 766 173 970 165 292 156 739
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
32
Interest Rate:
3.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
14 618 14 041 13 472 12 909 12 353 11 802 11 257 10 717 10 181 9 650 9 124 8 601 8 084 7 571 7 064 6 562 6 068 5 583 5 106 4 641 4 189 3 751 3 331 2 930 2 550 2 194 1 863 1 560 1 286 1 041 828 644 489 362 260 181 122 79 49 29
217 141 202 523 188 482 175 010 162 101 149 748 137 946 126 689 115 972 105 791 96 141 87 017 78 416 70 332 62 761 55 698 49 135 43 067 37 484 32 378 27 737 23 548 19 797 16 465 13 536 10 986 8 792 6 929 5 369 4 083 3 042 2 214 1 571 1 082 720 459 278 156 78 29
2 340 703 2 123 562 1 921 040 1 732 558 1 557 547 1 395 446 1 245 698 1 107 752 981 062 865 090 759 299 663 159 576 142 497 726 427 394 364 633 308 935 259 799 216 733 179 248 146 870 119 133 95 585 75 789 59 323 45 788 34 802 26 010 19 081 13 712 9 629 6 587 4 372 2 802 1 720 1 001 541 263 106 29
151 160 170 180 191 201 212 223 235 246 257 267 277 287 295 303 309 314 316 317 315 311 304 295 282 267 249 229 207 184 160 136 113 91 71 54 40 28 19 12
8 277 8 126 7 966 7 796 7 615 7 425 7 223 7 011 6 787 6 553 6 307 6 051 5 784 5 506 5 219 4 924 4 621 4 312 3 998 3 682 3 365 3 049 2 738 2 434 2 140 1 858 1 591 1 342 1 113 906 723 563 427 314 223 152 98 58 30 12
148 320 140 043 131 917 123 951 116 155 108 540 101 115 93 892 86 882 80 094 73 541 67 234 61 183 55 400 49 894 44 674 39 750 35 129 30 817 26 819 23 137 19 772 16 722 13 984 11 550 9 410 7 553 5 962 4 620 3 507 2 600 1 877 1 314 887 573 350 198 100 42 12
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
33
Interest Rate:
4.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
45 639 43 818 42 066 40 381 38 760 37 202 35 707 34 272 32 897 31 578 30 315 29 104 27 944 26 832 25 766 24 743 23 760 22 817 21 910 21 038 20 200 19 393 18 618 17 871 17 153 16 462 15 795 15 152 14 532 13 932 13 354 12 795 12 255 11 733 11 228 10 740 10 266 9 808 9 364 8 933 8 514
1 034 528 988 890 945 071 903 005 862 624 823 865 786 662 750 955 716 683 683 786 652 208 621 893 592 789 564 845 538 013 512 247 487 504 463 744 440 927 419 017 397 978 377 778 358 385 339 767 321 896 304 743 288 281 272 486 257 334 242 802 228 870 215 516 202 721 190 465 178 732 167 504 156 764 146 498 136 689 127 326 118 393
19 943 883 18 909 355 17 920 465 16 975 394 16 072 388 15 209 764 14 385 899 13 599 237 12 848 282 12 131 599 11 447 813 10 795 606 10 173 713 9 580 925 9 016 080 8 478 068 7 965 821 7 478 316 7 014 573 6 573 646 6 154 629 5 756 651 5 378 873 5 020 489 4 680 721 4 358 825 4 054 082 3 765 801 3 493 315 3 235 981 2 993 179 2 764 309 2 548 793 2 346 073 2 155 607 1 976 875 1 809 372 1 652 608 1 506 110 1 369 420 1 242 095
65 67 68 68 67 64 61 57 53 49 45 41 37 34 32 31 30 29 29 29 30 30 30 31 31 34 36 38 40 43 45 48 51 54 57 60 64 67 71 75 79
5 843 5 778 5 711 5 644 5 576 5 509 5 445 5 384 5 326 5 273 5 224 5 179 5 138 5 101 5 067 5 035 5 004 4 975 4 945 4 916 4 887 4 857 4 827 4 797 4 766 4 735 4 701 4 666 4 628 4 588 4 545 4 500 4 452 4 402 4 348 4 291 4 231 4 167 4 100 4 029 3 955
266 964 261 121 255 343 249 631 243 988 238 412 232 903 227 458 222 074 216 748 211 476 206 252 201 073 195 934 190 833 185 766 180 731 175 727 170 753 165 807 160 891 156 004 151 146 146 319 141 522 136 756 132 021 127 319 122 653 118 025 113 438 108 892 104 392 99 940 95 538 91 191 86 899 82 668 78 501 74 401 70 371
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
34
Interest Rate:
4.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
8 108 7 713 7 329 6 956 6 592 6 238 5 892 5 556 5 227 4 907 4 595 4 290 3 993 3 704 3 422 3 149 2 884 2 627 2 380 2 143 1 915 1 699 1 494 1 301 1 122 956 804 667 544 437 344 265 199 146 104 72 48 31 19 11
109 879 101 771 94 057 86 728 79 772 73 180 66 943 61 050 55 495 50 267 45 360 40 766 36 476 32 483 28 779 25 357 22 208 19 324 16 697 14 317 12 174 10 259 8 560 7 066 5 765 4 644 3 688 2 884 2 217 1 673 1 237 893 629 430 284 180 108 60 30 11
1 123 702 1 013 823 912 052 817 995 731 267 651 495 578 315 511 372 450 322 394 827 344 560 299 200 258 434 221 958 189 475 160 695 135 338 113 130 93 805 77 108 62 792 50 617 40 358 31 798 24 732 18 967 14 323 10 635 7 751 5 534 3 861 2 624 1 730 1 102 672 389 209 101 41 11
83 87 92 96 101 105 110 115 119 124 128 132 136 139 142 144 145 146 146 145 143 140 135 130 123 115 106 97 87 76 66 55 45 36 28 21 15 11 7 4
3 876 3 793 3 706 3 614 3 518 3 417 3 312 3 201 3 087 2 968 2 844 2 716 2 584 2 448 2 309 2 168 2 024 1 878 1 732 1 586 1 441 1 298 1 159 1 023 894 771 656 550 453 366 290 224 169 123 87 59 38 22 12 4
66 416 62 540 58 747 55 042 51 428 47 910 44 493 41 182 37 980 34 893 31 926 29 082 26 366 23 782 21 334 19 025 16 857 14 833 12 955 11 223 9 638 8 197 6 899 5 740 4 717 3 823 3 052 2 396 1 846 1 394 1 028 738 513 345 221 134 76 38 16 4
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
35
Interest Rate:
5.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
37 689 35 841 34 080 32 403 30 806 29 287 27 842 26 469 25 164 23 926 22 750 21 633 20 573 19 566 18 610 17 701 16 836 16 014 15 231 14 485 13 776 13 100 12 456 11 842 11 258 10 702 10 171 9 664 9 180 8 717 8 276 7 854 7 451 7 066 6 697 6 345 6 007 5 685 5 375 5 079 4 795
724 652 686 963 651 122 617 042 584 639 553 833 524 546 496 704 470 235 445 071 421 145 398 395 376 762 356 189 336 623 318 013 300 313 283 477 267 463 252 232 237 747 223 971 210 872 198 416 186 573 175 315 164 613 154 442 144 778 135 599 126 882 118 606 110 752 103 301 96 235 89 538 83 193 77 186 71 501 66 126 61 047
12 448 415 11 723 763 11 036 800 10 385 677 9 768 635 9 183 996 8 630 163 8 105 617 7 608 913 7 138 678 6 693 607 6 272 462 5 874 066 5 497 304 5 141 115 4 804 492 4 486 479 4 186 166 3 902 689 3 635 226 3 382 994 3 145 247 2 921 276 2 710 404 2 511 988 2 325 415 2 150 100 1 985 487 1 831 045 1 686 266 1 550 668 1 423 786 1 305 180 1 194 429 1 091 128 994 893 905 356 822 163 744 977 673 476 607 350
53 54 54 54 52 50 47 44 40 37 33 30 27 25 23 22 21 20 20 20 20 20 20 20 20 22 23 24 25 26 28 29 31 32 34 35 37 39 40 42 44
3 179 3 126 3 072 3 018 2 964 2 912 2 861 2 814 2 770 2 730 2 693 2 660 2 630 2 602 2 578 2 555 2 533 2 512 2 492 2 472 2 452 2 432 2 412 2 392 2 372 2 351 2 330 2 307 2 283 2 258 2 232 2 204 2 175 2 144 2 112 2 079 2 044 2 007 1 968 1 928 1 886
131 683 128 504 125 378 122 306 119 288 116 324 113 413 110 551 107 737 104 967 102 238 99 545 96 885 94 256 91 653 89 075 86 521 83 987 81 475 78 983 76 511 74 059 71 627 69 215 66 823 64 451 62 100 59 770 57 463 55 180 52 922 50 691 48 487 46 312 44 168 42 056 39 977 37 933 35 927 33 958 32 030
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
36
Interest Rate:
5.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
4 523 4 262 4 011 3 770 3 539 3 317 3 103 2 898 2 701 2 511 2 329 2 154 1 986 1 824 1 670 1 522 1 380 1 246 1 118 996 882 775 675 582 497 420 350 287 232 184 144 110 82 59 42 29 19 12 7 4
56 252 51 729 47 467 43 456 39 686 36 147 32 830 29 727 26 829 24 128 21 617 19 288 17 134 15 148 13 324 11 654 10 133 8 752 7 507 6 389 5 393 4 510 3 735 3 060 2 478 1 981 1 561 1 211 924 692 507 364 254 172 113 71 42 23 11 4
546 304 490 052 438 323 390 856 347 399 307 713 271 566 238 736 209 009 182 180 158 052 136 436 117 148 100 014 84 866 71 542 59 888 49 756 41 003 33 497 27 107 21 715 17 204 13 469 10 409 7 931 5 950 4 390 3 178 2 254 1 562 1 055 691 437 265 152 81 39 16 4
46 48 50 52 54 56 57 59 61 63 64 66 67 68 68 69 69 69 68 67 65 63 60 57 54 50 46 41 37 32 27 23 19 15 11 8 6 4 3 2
1 842 1 796 1 748 1 699 1 647 1 593 1 538 1 480 1 421 1 360 1 297 1 233 1 167 1 101 1 033 964 895 826 758 690 623 558 495 434 377 323 273 227 186 149 117 90 67 49 34 23 15 9 4 2
30 145 28 303 26 507 24 759 23 060 21 413 19 820 18 282 16 802 15 381 14 021 12 724 11 491 10 323 9 222 8 190 7 225 6 330 5 503 4 745 4 056 3 432 2 874 2 380 1 945 1 568 1 245 972 745 559 410 293 203 135 86 52 29 15 6 2
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
37
Interest Rate:
6.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
31 180 29 372 27 665 26 056 24 538 23 108 21 761 20 492 19 298 18 175 17 119 16 125 15 190 14 311 13 483 12 703 11 969 11 277 10 624 10 009 9 429 8 881 8 365 7 878 7 419 6 986 6 576 6 190 5 824 5 479 5 152 4 843 4 551 4 275 4 014 3 767 3 533 3 312 3 102 2 903 2 715
518 769 487 589 458 217 430 551 404 496 379 957 356 850 335 089 314 597 295 299 277 123 260 004 243 879 228 688 214 378 200 895 188 192 176 223 164 947 154 323 144 314 134 885 126 004 117 639 109 760 102 341 95 356 88 779 82 590 76 765 71 287 66 135 61 291 56 740 52 464 48 450 44 683 41 150 37 838 34 736 31 833
7 983 956 7 465 186 6 977 598 6 519 381 6 088 829 5 684 334 5 304 376 4 947 527 4 612 438 4 297 840 4 002 542 3 725 419 3 465 415 3 221 536 2 992 848 2 778 470 2 577 575 2 389 383 2 213 159 2 048 212 1 893 890 1 749 576 1 614 690 1 488 686 1 371 048 1 261 287 1 158 946 1 063 590 974 811 892 221 815 456 744 169 678 034 616 743 560 003 507 539 459 089 414 406 373 256 335 417 300 681
44 44 44 43 41 39 37 34 31 28 25 22 20 18 16 15 15 14 14 14 14 13 13 13 13 14 15 15 16 16 17 18 18 19 20 21 21 22 23 24 25
1 815 1 772 1 728 1 684 1 641 1 600 1 561 1 524 1 490 1 460 1 432 1 407 1 385 1 365 1 347 1 331 1 315 1 301 1 287 1 273 1 259 1 245 1 232 1 219 1 205 1 192 1 178 1 164 1 148 1 133 1 116 1 099 1 081 1 063 1 044 1 024 1 003 982 959 936 912
66 775 64 960 63 188 61 461 59 776 58 135 56 535 54 975 53 451 51 961 50 501 49 069 47 662 46 277 44 912 43 565 42 234 40 919 39 618 38 331 37 059 35 800 34 554 33 322 32 103 30 898 29 706 28 528 27 365 26 216 25 084 23 968 22 868 21 787 20 724 19 681 18 657 17 654 16 672 15 713 14 777
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
38
Interest Rate:
6.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
2 537 2 368 2 207 2 055 1 911 1 774 1 644 1 521 1 404 1 293 1 188 1 088 994 905 820 740 665 595 529 467 409 356 307 263 222 186 153 125 100 79 61 46 34 24 17 12 8 5 3 2
29 118 26 581 24 213 22 006 19 950 18 039 16 265 14 620 13 099 11 695 10 401 9 213 8 125 7 131 6 226 5 406 4 665 4 000 3 405 2 877 2 410 2 001 1 644 1 337 1 074 852 666 513 389 289 210 149 103 70 45 28 17 9 4 2
268 848 239 730 213 149 188 936 166 931 146 980 128 941 112 677 98 057 84 958 73 263 62 862 53 649 45 524 38 394 32 168 26 762 22 097 18 096 14 691 11 814 9 404 7 403 5 759 4 421 3 347 2 495 1 828 1 315 927 638 428 279 175 106 60 32 15 6 2
25 26 27 28 29 29 30 31 31 32 32 33 33 33 33 33 33 32 32 31 30 29 27 26 24 22 20 18 16 13 11 9 8 6 5 3 2 2 1 1
888 862 836 809 781 752 723 693 662 631 599 566 533 500 467 433 400 367 335 303 272 242 213 186 160 137 115 95 77 61 48 37 27 20 14 9 6 3 2 1
13 864 12 977 12 114 11 278 10 469 9 688 8 936 8 213 7 520 6 858 6 228 5 629 5 063 4 530 4 030 3 563 3 129 2 729 2 362 2 027 1 724 1 452 1 209 996 810 649 513 398 303 226 165 117 81 53 34 20 11 6 2 1
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
39
Interest Rate:
7.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
25 842 24 116 22 502 20 995 19 587 18 273 17 047 15 903 14 837 13 843 12 916 12 053 11 248 10 498 9 798 9 145 8 536 7 967 7 436 6 940 6 476 6 043 5 639 5 261 4 908 4 578 4 270 3 981 3 711 3 458 3 222 3 000 2 793 2 599 2 418 2 248 2 088 1 939 1 799 1 668 1 546
378 359 352 517 328 402 305 900 284 905 265 318 247 045 229 998 214 095 199 258 185 415 172 499 160 446 149 198 138 700 128 902 119 757 111 222 103 255 95 819 88 879 82 403 76 359 70 720 65 459 60 551 55 973 51 703 47 722 44 011 40 552 37 331 34 330 31 537 28 938 26 520 24 273 22 184 20 245 18 446 16 777
5 249 790 4 871 430 4 518 913 4 190 511 3 884 612 3 599 707 3 334 389 3 087 344 2 857 347 2 643 252 2 443 994 2 258 579 2 086 081 1 925 635 1 776 437 1 637 737 1 508 835 1 389 077 1 277 856 1 174 601 1 078 782 989 903 907 500 831 141 760 421 694 962 634 411 578 438 526 736 479 014 435 003 394 451 357 120 322 790 291 253 262 315 235 795 211 522 189 338 169 093 150 647
36 36 35 34 33 31 28 26 23 21 19 16 15 13 12 11 10 10 10 9 9 9 9 9 9 9 9 10 10 10 11 11 11 12 12 12 13 13 13 14 14
1 089 1 053 1 018 982 948 915 885 856 830 807 786 768 751 737 724 712 701 690 681 671 662 652 643 634 625 617 608 598 589 579 568 558 547 536 524 512 500 487 475 461 448
34 887 33 798 32 745 31 727 30 745 29 797 28 881 27 997 27 140 26 310 25 503 24 717 23 949 23 198 22 462 21 738 21 026 20 325 19 635 18 955 18 284 17 622 16 970 16 327 15 692 15 067 14 450 13 842 13 244 12 655 12 077 11 508 10 950 10 403 9 868 9 344 8 831 8 331 7 844 7 369 6 908
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
40
Interest Rate:
7.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
1 431 1 323 1 222 1 127 1 038 955 877 803 735 670 610 554 501 452 406 363 323 286 252 220 191 165 141 119 100 83 68 55 43 34 26 19 14 10 7 5 3 2 1 1
15 232 13 801 12 478 11 256 10 129 9 091 8 137 7 260 6 457 5 722 5 052 4 442 3 888 3 387 2 936 2 530 2 167 1 844 1 559 1 307 1 087 895 730 589 470 370 287 219 165 121 88 62 43 28 18 11 7 4 2 1
133 870 118 638 104 837 92 359 81 103 70 973 61 882 53 746 46 486 40 029 34 307 29 256 24 814 20 926 17 539 14 604 12 074 9 906 8 062 6 503 5 197 4 110 3 215 2 485 1 895 1 425 1 055 768 549 384 263 175 113 71 42 24 13 6 2 1
14 15 15 15 15 16 16 16 16 16 17 17 17 16 16 16 16 15 15 14 14 13 12 12 11 10 9 8 7 6 5 4 3 2 2 1 1 1 0 0
434 420 405 390 375 360 344 328 312 296 279 263 246 230 213 197 181 165 149 134 120 106 93 80 69 58 49 40 32 25 20 15 11 8 5 4 2 1 1 0
6 460 6 026 5 607 5 201 4 811 4 436 4 076 3 732 3 404 3 092 2 797 2 518 2 255 2 009 1 779 1 566 1 369 1 188 1 024 874 740 620 514 421 340 271 213 165 125 93 67 47 32 21 13 8 4 2 1 0
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
41
Interest Rate:
8.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
21 455 19 836 18 338 16 951 15 668 14 481 13 385 12 371 11 435 10 570 9 771 9 033 8 352 7 723 7 141 6 604 6 107 5 647 5 222 4 828 4 464 4 127 3 815 3 527 3 260 3 012 2 783 2 571 2 374 2 192 2 023 1 867 1 722 1 588 1 463 1 347 1 240 1 141 1 049 964 885
280 380 258 925 239 089 220 751 203 800 188 132 173 651 160 266 147 895 136 461 125 891 116 120 107 086 98 734 91 012 83 871 77 267 71 160 65 513 60 292 55 463 50 999 46 872 43 057 39 530 36 271 33 258 30 475 27 904 25 529 23 337 21 314 19 447 17 725 16 137 14 674 13 327 12 086 10 945 9 896 8 932
3 530 896 3 250 516 2 991 591 2 752 502 2 531 751 2 327 950 2 139 818 1 966 167 1 805 901 1 658 005 1 521 545 1 395 654 1 279 534 1 172 447 1 073 713 982 701 898 831 821 564 750 403 684 890 624 598 569 135 518 136 471 263 428 206 388 676 352 405 319 147 288 672 260 768 235 239 211 902 190 588 171 141 153 417 137 279 122 605 109 279 97 192 86 247 76 351
29 29 28 27 26 24 22 20 18 16 14 12 11 10 9 8 7 7 7 6 6 6 6 6 6 6 6 6 6 6 7 7 7 7 7 7 7 8 8 8 8
686 656 627 599 571 546 521 499 479 461 446 432 420 409 399 391 383 376 369 362 356 349 343 337 331 326 320 314 307 301 295 288 281 274 267 260 253 246 238 231 223
18 821 18 135 17 479 16 852 16 253 15 681 15 136 14 614 14 115 13 636 13 174 12 729 12 297 11 877 11 468 11 069 10 678 10 295 9 919 9 551 9 189 8 833 8 484 8 141 7 804 7 472 7 147 6 827 6 514 6 206 5 905 5 611 5 322 5 041 4 767 4 499 4 239 3 986 3 740 3 502 3 271
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
42
Interest Rate:
8.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
811 743 680 621 567 517 470 427 387 350 315 283 254 227 202 179 158 138 121 105 90 77 65 55 45 37 30 24 19 15 11 8 6 4 3 2 1 1 0 0
8 048 7 237 6 494 5 814 5 192 4 625 4 109 3 639 3 212 2 825 2 476 2 160 1 877 1 623 1 396 1 194 1 016 858 719 599 494 404 327 262 207 162 125 95 70 52 37 26 18 12 7 5 3 1 1 0
67 418 59 370 52 134 45 640 39 826 34 634 30 009 25 900 22 262 19 050 16 225 13 749 11 589 9 712 8 089 6 692 5 498 4 483 3 625 2 905 2 307 1 813 1 409 1 082 820 612 450 326 231 161 109 72 46 29 17 10 5 2 1 0
8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 8 7 7 7 6 6 6 5 5 4 4 3 3 2 2 2 1 1 1 1 0 0 0 0
215 207 199 191 182 174 166 157 149 140 132 123 115 106 98 90 82 75 67 60 53 47 41 35 30 25 21 17 14 11 8 6 5 3 2 1 1 1 0 0
3 049 2 834 2 627 2 428 2 237 2 055 1 881 1 716 1 558 1 410 1 270 1 138 1 015 900 794 695 605 523 448 381 321 267 220 180 144 115 89 69 52 38 27 19 13 9 5 3 2 1 0 0
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
43
Interest Rate:
9.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
17 843 16 346 14 972 13 713 12 559 11 501 10 533 9 646 8 834 8 091 7 411 6 788 6 219 5 697 5 220 4 783 4 382 4 015 3 679 3 370 3 088 2 828 2 591 2 373 2 173 1 990 1 822 1 667 1 526 1 396 1 276 1 167 1 066 974 889 812 740 675 615 559 509
210 629 192 786 176 440 161 468 147 755 135 196 123 695 113 163 103 517 94 683 86 592 79 182 72 393 66 174 60 477 55 257 50 474 46 092 42 077 38 398 35 027 31 940 29 111 26 521 24 148 21 975 19 986 18 164 16 497 14 971 13 576 12 299 11 132 10 066 9 092 8 203 7 391 6 651 5 976 5 361 4 802
2 423 662 2 213 033 2 020 248 1 843 807 1 682 340 1 534 585 1 399 388 1 275 693 1 162 531 1 059 014 964 331 877 738 798 557 726 163 659 989 599 512 544 255 493 781 447 689 405 612 367 214 332 187 300 247 271 135 244 615 220 467 198 491 178 506 160 342 143 845 128 874 115 298 102 999 91 867 81 801 72 709 64 506 57 115 50 464 44 488 39 127
24 24 23 22 21 19 17 15 14 12 10 9 8 7 6 6 5 5 5 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4 4
452 427 404 381 359 338 319 302 286 273 261 250 241 233 226 220 215 209 205 200 195 191 187 183 179 175 171 167 163 159 155 151 147 143 139 134 130 126 121 117 112
10 506 10 054 9 626 9 223 8 842 8 483 8 145 7 826 7 524 7 238 6 965 6 704 6 454 6 212 5 979 5 753 5 532 5 318 5 108 4 904 4 704 4 508 4 317 4 130 3 948 3 769 3 593 3 422 3 255 3 091 2 932 2 777 2 625 2 478 2 335 2 197 2 062 1 933 1 807 1 686 1 569
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
44
Interest Rate:
9.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
462 420 380 344 312 281 253 228 205 183 164 146 130 115 101 89 78 67 58 50 43 36 30 25 21 17 14 11 8 6 5 4 3 2 1 1 1 0 0 0
4 293 3 831 3 411 3 031 2 686 2 375 2 093 1 840 1 612 1 407 1 224 1 060 914 784 670 569 480 402 335 277 227 184 148 117 92 71 55 41 30 22 16 11 7 5 3 2 1 1 0 0
34 325 30 032 26 202 22 791 19 760 17 074 14 699 12 606 10 766 9 154 7 747 6 523 5 463 4 549 3 765 3 095 2 527 2 047 1 644 1 310 1 033 806 623 475 358 265 194 139 98 68 46 30 19 12 7 4 2 1 0 0
5 5 5 5 5 5 5 4 4 4 4 4 4 4 4 4 4 4 3 3 3 3 3 2 2 2 2 1 1 1 1 1 1 0 0 0 0 0 0 0
108 103 99 94 90 85 81 76 72 67 63 58 54 50 46 42 38 34 31 27 24 21 18 15 13 11 9 7 6 5 3 3 2 1 1 1 0 0 0 0
1 457 1 349 1 246 1 147 1 053 963 878 797 721 650 583 520 461 407 358 312 270 232 198 167 140 116 95 77 62 49 38 29 22 16 11 8 5 3 2 1 1 0 0 0
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
45
Interest Rate:
10.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
14 864 13 493 12 247 11 115 10 087 9 154 8 306 7 538 6 841 6 208 5 635 5 115 4 643 4 215 3 827 3 474 3 154 2 864 2 600 2 360 2 143 1 945 1 765 1 602 1 454 1 319 1 197 1 085 984 892 808 732 663 600 543 491 444 401 362 326 294
160 103 145 239 131 746 119 499 108 384 98 297 89 144 80 837 73 300 66 459 60 251 54 616 49 501 44 859 40 644 36 817 33 343 30 188 27 324 24 724 22 364 20 221 18 276 16 510 14 908 13 454 12 135 10 939 9 853 8 869 7 977 7 168 6 436 5 773 5 173 4 629 4 138 3 694 3 293 2 931 2 605
1 694 284 1 534 181 1 388 942 1 257 196 1 137 697 1 029 312 931 015 841 871 761 034 687 734 621 275 561 025 506 408 456 907 412 049 371 405 334 588 301 246 271 058 243 733 219 009 196 646 176 425 158 149 141 639 126 730 113 276 101 141 90 202 80 349 71 480 63 503 56 335 49 898 44 126 38 953 34 324 30 185 26 491 23 197 20 266
20 19 19 18 16 15 13 12 10 9 8 7 6 5 5 4 4 3 3 3 3 3 3 3 2 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3 3
309 289 270 251 234 217 202 189 177 166 157 150 143 137 132 127 123 120 116 113 110 107 104 101 99 96 94 91 88 86 83 81 78 75 73 70 68 65 62 60 57
6 076 5 766 5 477 5 207 4 956 4 722 4 504 4 302 4 113 3 936 3 770 3 612 3 463 3 320 3 183 3 051 2 924 2 801 2 681 2 565 2 452 2 343 2 236 2 132 2 031 1 932 1 836 1 743 1 652 1 563 1 478 1 394 1 314 1 236 1 160 1 087 1 017 949 884 822 762
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
46
Interest Rate:
10.0% MONETARY FUNCTIONS INDIVIDUAL LIVES - FEMALE
Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
265 238 214 192 172 154 137 123 109 97 86 76 67 58 51 44 38 33 28 24 20 17 14 12 10 8 6 5 4 3 2 2 1 1 1 0 0 0 0 0
2 311 2 046 1 808 1 594 1 402 1 230 1 076 938 816 707 610 524 449 382 324 273 229 190 157 129 105 84 67 53 41 32 24 18 13 10 7 5 3 2 1 1 0 0 0 0
17 661 15 350 13 304 11 496 9 902 8 500 7 271 6 195 5 256 4 441 3 734 3 124 2 599 2 150 1 768 1 444 1 171 943 753 595 467 362 278 210 157 116 84 60 42 29 19 13 8 5 3 2 1 0 0 0
3 3 3 3 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 1 1 1 1 1 1 1 1 1 0 0 0 0 0 0 0 0 0 0 0
55 52 50 47 45 42 40 37 35 32 30 28 26 24 22 20 18 16 14 12 11 9 8 7 6 5 4 3 2 2 1 1 1 1 0 0 0 0 0 0
705 650 598 548 501 456 414 375 337 302 270 240 212 186 163 141 122 104 88 74 62 51 42 34 27 21 16 12 9 7 5 3 2 1 1 1 0 0 0 0
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
47
Interest Rate:
0.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
10 000 000 000 9 972 110 414 9 941 413 131 9 908 327 936 9 873 349 929 9 837 047 182 9 800 058 445 9 763 054 373 9 726 590 377 9 691 072 310 9 656 759 398 9 623 767 115 9 592 069 869 9 561 503 410 9 531 766 985 9 502 425 286 9 472 945 726 9 442 840 964 9 411 703 592 9 379 205 294 9 345 096 043 9 309 203 240 9 271 430 729 9 231 757 625 9 190 236 934 9 146 981 305 9 100 774 305 9 051 837 607 9 000 060 499 8 945 305 860 8 887 409 210 8 826 177 786 8 761 389 662 8 692 792 955 8 620 106 699 8 543 026 476 8 461 225 261 8 371 702 365 8 273 074 547 8 164 546 896 8 045 287 377
503 373 878 677 493 373 878 677 483 401 768 262 473 460 355 131 463 552 027 195 453 678 677 266 443 841 630 084 434 041 571 639 424 278 517 266 414 551 926 889 404 860 854 579 395 204 095 181 385 580 328 066 375 988 258 197 366 426 754 787 356 894 987 802 347 392 562 516 337 919 616 790 328 476 775 826 319 065 072 235 309 685 866 941 300 340 770 898 291 031 567 658 281 760 136 929 272 528 379 304 263 338 142 370 254 191 161 065 245 090 386 760 236 038 549 153 227 038 488 654 218 093 182 794 209 205 773 584 200 379 595 798 191 618 206 136 182 925 413 181 174 305 306 482 165 762 280 006 157 301 054 745 148 929 352 380 140 656 277 834 132 491 730 938
S xy
C xy
14 074 301 341 616 27 889 586 13 570 927 462 940 30 697 283 13 077 553 584 263 33 085 195 12 594 151 816 001 34 978 008 12 120 691 460 870 36 302 747 11 657 139 433 675 36 988 737 11 203 460 756 409 37 004 072 10 759 619 126 325 36 463 996 10 325 577 554 686 35 518 067 9 901 299 037 420 34 312 913 9 486 747 110 531 32 992 283 9 081 886 255 952 31 697 246 8 686 682 160 771 30 566 458 8 301 101 832 705 29 736 425 7 925 113 574 508 29 341 699 7 558 686 819 721 29 479 559 7 201 791 831 919 30 104 762 6 854 399 269 402 31 137 372 6 516 479 652 612 32 498 298 6 188 002 876 786 34 109 251 5 868 937 804 551 35 892 803 5 559 251 937 610 37 772 511 5 258 911 166 713 39 673 104 4 967 879 599 055 41 520 691 4 686 119 462 127 43 255 629 4 413 591 082 822 46 206 999 4 150 252 940 452 48 936 698 3 896 061 779 387 51 777 108 3 650 971 392 627 54 754 639 3 414 932 843 474 57 896 650 3 187 894 354 820 61 231 425 2 969 801 172 026 64 788 124 2 760 595 398 442 68 596 708 2 560 215 802 644 72 686 255 2 368 597 596 508 77 080 223 2 185 672 183 327 81 801 215 2 011 366 876 844 89 522 896 1 845 604 596 838 98 627 818 1 688 303 542 093 108 527 651 1 539 374 189 713 119 259 518 1 398 717 911 879 130 853 677
M xy
R xy
Age(xy)
9 999 971 880 9 972 082 294 9 941 385 011 9 908 299 816 9 873 321 808 9 837 019 062 9 800 030 325 9 763 026 253 9 726 562 257 9 691 044 190 9 656 731 278 9 623 738 995 9 592 041 748 9 561 475 290 9 531 738 865 9 502 397 166 9 472 917 606 9 442 812 844 9 411 675 471 9 379 177 174 9 345 067 923 9 309 175 120 9 271 402 609 9 231 729 504 9 190 208 814 9 146 953 185 9 100 746 185 9 051 809 487 9 000 032 379 8 945 277 740 8 887 381 090 8 826 149 666 8 761 361 542 8 692 764 834 8 620 078 579 8 542 998 356 8 461 197 141 8 371 674 245 8 273 046 427 8 164 518 776 8 045 259 257
503 371 600 944 493 371 629 064 483 399 546 769 473 458 161 758 463 549 861 942 453 676 540 134 443 839 521 072 434 039 490 747 424 276 464 495 414 549 902 238 404 858 858 047 395 202 126 770 385 578 387 775 375 986 346 026 366 424 870 736 356 893 131 871 347 390 734 706 337 917 817 100 328 475 004 256 319 063 328 785 309 684 151 611 300 339 083 688 291 029 908 568 281 758 505 959 272 526 776 455 263 336 567 641 254 189 614 456 245 088 868 271 236 037 058 784 227 037 026 406 218 091 748 666 209 204 367 576 200 378 217 910 191 616 856 368 182 924 091 534 174 304 012 955 165 761 014 599 157 299 817 458 148 928 143 213 140 655 096 787 132 490 578 011
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
48
Interest Rate:
0.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
7 914 433 701 7 771 102 975 7 614 404 722 7 443 457 857 7 257 412 283 7 055 475 728 6 836 946 414 6 601 252 005 6 347 995 075 6 077 004 957 5 788 395 380 5 482 626 538 5 160 569 399 4 823 568 903 4 473 501 435 4 112 820 503 3 744 583 231 3 372 449 069 3 000 641 588 2 633 864 589 2 277 165 551 1 935 743 121 1 614 701 176 1 318 759 940 1 051 944 237 817 278 786 616 528 567 450 025 839 316 621 688 213 786 958 137 865 107 84 451 167 48 842 856 26 490 707 13 371 672 6 228 562 2 651 982 1 021 205 351 434 106 653
N xy
S xy
124 446 443 561 1 266 226 180 941 116 532 009 860 1 141 779 737 380 108 760 906 885 1 025 247 727 520 101 146 502 163 916 486 820 635 93 703 044 306 815 340 318 472 86 445 632 022 721 637 274 166 79 390 156 294 635 191 642 144 72 553 209 881 555 801 485 849 65 951 957 875 483 248 275 969 59 603 962 801 417 296 318 094 53 526 957 843 357 692 355 293 47 738 562 463 304 165 397 450 42 255 935 925 256 426 834 987 37 095 366 526 214 170 899 062 32 271 797 623 177 075 532 536 27 798 296 188 144 803 734 913 23 685 475 685 117 005 438 725 19 940 892 454 93 319 963 040 16 568 443 386 73 379 070 586 13 567 801 797 56 810 627 200 10 933 937 208 43 242 825 403 8 656 771 657 32 308 888 195 6 721 028 536 23 652 116 538 5 106 327 360 16 931 088 002 3 787 567 420 11 824 760 641 2 735 623 183 8 037 193 222 1 918 344 397 5 301 570 039 1 301 815 830 3 383 225 642 851 789 991 2 081 409 812 535 168 303 1 229 619 820 321 381 345 694 451 518 183 516 238 373 070 173 99 065 071 189 553 935 50 222 215 90 488 864 23 731 508 40 266 648 10 359 836 16 535 140 4 131 274 6 175 304 1 479 292 2 044 030 458 086 564 739 106 653 106 653
C xy
M xy
R xy
Age(xy)
143 330 726 156 698 253 170 946 865 186 045 574 201 936 555 218 529 314 235 694 408 253 256 931 270 990 117 288 609 577 305 768 842 322 057 140 337 000 495 350 067 469 360 680 932 368 237 272 372 134 162 371 807 481 366 776 999 356 699 039 341 422 430 321 041 945 295 941 236 266 815 704 234 665 451 200 750 219 166 502 729 133 404 150 102 834 730 75 921 852 53 413 940 35 608 310 22 352 149 13 119 035 7 143 110 3 576 580 1 630 777 669 772 244 781 78 532
7 914 405 580 7 771 074 855 7 614 376 602 7 443 429 737 7 257 384 163 7 055 447 608 6 836 918 294 6 601 223 885 6 347 966 954 6 076 976 837 5 788 367 260 5 482 598 418 5 160 541 278 4 823 540 783 4 473 473 315 4 112 792 383 3 744 555 111 3 372 420 949 3 000 613 468 2 633 836 469 2 277 137 430 1 935 715 001 1 614 673 056 1 318 731 820 1 051 916 117 817 250 666 616 500 447 449 997 718 316 593 568 213 758 838 137 836 986 84 423 046 48 814 736 26 462 587 13 343 552 6 200 442 2 623 862 993 085 323 313 78 532
124 445 318 754 116 530 913 174 108 759 838 319 101 145 461 717 93 702 031 980 86 444 647 817 79 389 200 209 72 552 281 915 65 951 058 030 59 603 091 076 53 526 114 238 47 737 746 978 42 255 148 560 37 094 607 282 32 271 066 498 27 797 593 184 23 684 800 801 19 940 245 691 16 567 824 742 13 567 211 274 10 933 374 805 8 656 237 374 6 720 522 373 5 105 849 317 3 787 117 497 2 735 201 381 1 917 950 715 1 301 450 268 851 452 549 534 858 981 321 100 143 183 263 157 98 840 110 50 025 374 23 562 787 10 219 235 4 018 793 1 394 931 401 846 78 532
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
49
Interest Rate:
1.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
8 195 444 703 8 091 671 235 7 986 893 598 7 881 498 097 7 775 915 968 7 670 618 965 7 566 115 163 7 462 917 074 7 361 429 557 7 261 928 931 7 164 571 109 7 069 399 384 6 976 351 793 6 885 268 003 6 795 895 754 6 707 896 935 6 620 878 115 6 534 492 223 6 448 460 405 6 362 568 402 6 276 663 090 6 190 649 086 6 104 485 394 6 018 182 051 5 931 796 749 5 845 423 366 5 758 311 441 5 670 641 425 5 582 381 171 5 493 484 194 5 403 889 851 5 313 523 532 5 222 296 905 5 130 108 203 5 036 843 502 4 942 380 691 4 846 590 487 4 747 833 430 4 645 444 312 4 539 113 420 4 428 525 347
319 992 853 565 311 797 408 861 303 705 737 626 295 718 844 028 287 837 345 931 280 061 429 963 272 390 810 999 264 824 695 836 257 361 778 762 250 000 349 205 242 738 420 273 235 573 849 164 228 504 449 780 221 528 097 987 214 642 829 984 207 846 934 230 201 139 037 294 194 518 159 180 187 983 666 957 181 535 206 553 175 172 638 150 168 895 975 060 162 705 325 974 156 600 840 580 150 582 658 529 144 650 861 780 138 805 438 414 133 047 126 972 127 376 485 547 121 794 104 377 116 300 620 182 110 896 730 332 105 583 206 800 100 360 909 895 95 230 801 692 90 193 958 190 85 251 577 499 80 404 987 012 75 657 153 582 71 011 709 270 66 472 595 850
8 040 351 019 192 7 720 358 165 627 7 408 560 756 766 7 104 855 019 140 6 809 136 175 112 6 521 298 829 180 6 241 237 399 217 5 968 846 588 218 5 704 021 892 382 5 446 660 113 621 5 196 659 764 416 4 953 921 344 143 4 718 347 494 979 4 489 843 045 199 4 268 314 947 212 4 053 672 117 228 3 845 825 182 999 3 644 686 145 704 3 450 167 986 524 3 262 184 319 567 3 080 649 113 015 2 905 476 474 864 2 736 580 499 804 2 573 875 173 830 2 417 274 333 250 2 266 691 674 722 2 122 040 812 942 1 983 235 374 529 1 850 188 247 556 1 722 811 762 009 1 601 017 657 633 1 484 717 037 450 1 373 820 307 119 1 268 237 100 319 1 167 876 190 424 1 072 645 388 732 982 451 430 543 897 199 853 044 816 794 866 032 741 137 712 450 670 126 003 180
22 630 451 24 662 081 26 317 347 27 547 494 28 307 736 28 557 079 28 286 058 27 597 249 26 615 184 25 457 536 24 235 377 23 053 537 22 011 001 21 201 279 20 712 722 20 604 000 20 832 643 21 333 875 22 045 859 22 909 585 23 868 825 24 870 136 25 862 894 26 799 342 27 642 722 29 236 446 30 657 031 32 115 290 33 625 876 35 203 411 36 862 459 38 617 483 40 482 792 42 471 550 44 593 073 46 855 742 50 771 012 55 380 866 60 336 394 65 646 356 71 315 204
5 027 188 335 5 004 557 884 4 979 895 803 4 953 578 456 4 926 030 962 4 897 723 226 4 869 166 147 4 840 880 089 4 813 282 840 4 786 667 656 4 761 210 120 4 736 974 743 4 713 921 205 4 691 910 205 4 670 708 926 4 649 996 204 4 629 392 204 4 608 559 561 4 587 225 686 4 565 179 826 4 542 270 241 4 518 401 415 4 493 531 279 4 467 668 386 4 440 869 044 4 413 226 322 4 383 989 876 4 353 332 845 4 321 217 555 4 287 591 679 4 252 388 268 4 215 525 810 4 176 908 326 4 136 425 534 4 093 953 984 4 049 360 911 4 002 505 168 3 951 734 157 3 896 353 290 3 836 016 896 3 770 370 540
240 384 583 965 235 357 395 630 230 352 837 746 225 372 941 943 220 419 363 487 215 493 332 524 210 595 609 298 205 726 443 151 200 885 563 062 196 072 280 222 191 285 612 566 186 524 402 446 181 787 427 704 177 073 506 498 172 381 596 294 167 710 887 368 163 060 891 164 158 431 498 959 153 822 939 398 149 235 713 712 144 670 533 886 140 128 263 645 135 609 862 230 131 116 330 950 126 648 662 564 122 207 793 520 117 794 567 198 113 410 577 321 109 057 244 476 104 736 026 921 100 448 435 242 96 196 046 974 91 980 521 164 87 803 612 838 83 667 187 304 79 573 233 320 75 523 872 409 71 521 367 240 67 569 633 084 63 673 279 794 59 837 262 897
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
50
Interest Rate:
1.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
4 313 363 357 4 193 315 016 4 068 079 284 3 937 375 293 3 800 953 001 3 658 605 918 3 510 186 023 3 355 620 935 3 194 933 257 3 028 261 853 2 855 884 568 2 678 241 601 2 495 958 365 2 309 866 215 2 121 018 943 1 930 702 453 1 740 434 593 1 551 951 856 1 367 179 681 1 188 183 565 1 017 099 237 856 042 003 706 997 922 571 702 838 451 518 914 347 321 830 259 414 164 187 480 696 130 598 562 87 308 709 55 745 440 33 809 540 19 360 354 10 396 434 5 195 833 2 396 271 1 010 177 385 140 131 228 39 431
62 044 070 503 57 730 707 145 53 537 392 129 49 469 312 845 45 531 937 552 41 730 984 551 38 072 378 633 34 562 192 610 31 206 571 675 28 011 638 418 24 983 376 564 22 127 491 996 19 449 250 396 16 953 292 031 14 643 425 816 12 522 406 873 10 591 704 420 8 851 269 826 7 299 317 971 5 932 138 289 4 743 954 724 3 726 855 487 2 870 813 484 2 163 815 562 1 592 112 723 1 140 593 809 793 271 979 533 857 815 346 377 119 215 778 557 128 469 848 72 724 408 38 914 868 19 554 514 9 158 080 3 962 246 1 565 976 555 799 170 659 39 431
603 653 407 331 541 609 336 828 483 878 629 683 430 341 237 553 380 871 924 708 335 339 987 156 293 609 002 606 255 536 623 973 220 974 431 362 189 767 859 687 161 756 221 270 136 772 844 705 114 645 352 709 95 196 102 313 78 242 810 282 63 599 384 466 51 076 977 594 40 485 273 174 31 634 003 348 24 334 685 377 18 402 547 088 13 658 592 363 9 931 736 877 7 060 923 392 4 897 107 831 3 304 995 108 2 164 401 298 1 371 129 319 837 271 504 490 894 385 275 115 828 146 645 980 73 921 572 35 006 704 15 452 190 6 294 110 2 331 864 765 888 210 090 39 431
77 341 773 83 717 761 90 425 979 97 438 378 104 713 885 112 196 074 119 810 771 127 463 708 135 038 401 142 394 495 149 366 882 155 765 992 161 379 691 165 977 310 169 316 302 171 151 994 171 250 712 169 406 315 165 459 684 159 320 134 150 986 945 140 568 417 128 295 105 114 523 501 99 726 599 84 468 836 69 365 011 55 025 890 41 996 797 30 698 827 21 383 965 14 114 438 8 772 233 5 097 666 2 748 119 1 362 369 615 035 250 098 90 498 28 747
3 699 055 336 3 621 713 563 3 537 995 802 3 447 569 823 3 350 131 445 3 245 417 560 3 133 221 486 3 013 410 715 2 885 947 007 2 750 908 605 2 608 514 110 2 459 147 228 2 303 381 236 2 142 001 545 1 976 024 236 1 806 707 933 1 635 555 939 1 464 305 228 1 294 898 913 1 129 439 229 970 119 095 819 132 150 678 563 733 550 268 629 435 745 128 336 018 529 251 549 693 182 184 682 127 158 792 85 161 994 54 463 168 33 079 203 18 964 765 10 192 532 5 094 866 2 346 747 984 379 369 344 119 245 28 747
56 066 892 357 52 367 837 021 48 746 123 458 45 208 127 657 41 760 557 834 38 410 426 389 35 165 008 829 32 031 787 344 29 018 376 629 26 132 429 622 23 381 521 017 20 773 006 906 18 313 859 678 16 010 478 442 13 868 476 897 11 892 452 662 10 085 744 728 8 450 188 789 6 985 883 562 5 690 984 649 4 561 545 420 3 591 426 324 2 772 294 174 2 093 730 441 1 543 461 812 1 107 716 685 771 698 156 520 148 463 337 963 781 210 804 989 125 642 995 71 179 827 38 100 624 19 135 859 8 943 327 3 848 461 1 501 714 517 335 147 992 28 747
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
51
Interest Rate:
2.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
6 729 713 331 6 579 357 294 6 430 494 087 6 283 424 795 6 138 473 809 5 995 983 932 5 856 311 917 5 719 802 990 5 586 705 999 5 457 162 084 5 331 215 745 5 208 825 163 5 089 871 722 4 974 168 766 4 861 469 630 4 751 475 037 4 643 857 297 4 538 332 594 4 434 674 149 4 332 707 223 4 232 304 427 4 133 381 295 4 035 892 072 3 939 825 692 3 845 201 921 3 752 062 484 3 659 910 314 3 568 853 175 3 478 861 862 3 389 899 152 3 301 920 321 3 214 873 667 3 128 701 024 3 043 338 305 2 958 716 587 2 874 764 713 2 791 410 056 2 707 721 474 2 623 354 462 2 538 177 290 2 452 060 921
209 894 084 201 203 164 370 870 196 585 013 577 190 154 519 490 183 871 094 694 177 732 620 886 171 736 636 954 165 880 325 037 160 160 522 047 154 573 816 048 149 116 653 964 143 785 438 219 138 576 613 055 133 486 741 333 128 512 572 568 123 651 102 937 118 899 627 900 114 255 770 603 109 717 438 010 105 282 763 860 100 950 056 637 96 717 752 210 92 584 370 916 88 548 478 843 84 608 653 151 80 763 451 230 77 011 388 746 73 351 478 432 69 782 625 257 66 303 763 395 62 913 864 243 59 611 943 921 56 397 070 255 53 268 369 230 50 225 030 925 47 266 314 339 44 391 549 625 41 600 139 570 38 892 418 096 36 269 063 634 33 730 886 344
4 725 375 321 722 4 515 481 237 521 4 312 316 866 651 4 115 731 853 074 3 925 577 333 584 3 741 706 238 890 3 563 973 618 004 3 392 236 981 050 3 226 356 656 013 3 066 196 133 966 2 911 622 317 919 2 762 505 663 955 2 618 720 225 736 2 480 143 612 681 2 346 656 871 347 2 218 144 298 780 2 094 493 195 843 1 975 593 567 942 1 861 337 797 339 1 751 620 359 330 1 646 337 595 469 1 545 387 538 832 1 448 669 786 622 1 356 085 415 706 1 267 536 936 863 1 182 928 283 713 1 102 164 832 483 1 025 153 443 736 951 801 965 305 882 019 340 048 815 715 576 653 752 801 712 410 693 189 768 489 636 792 698 234 583 524 329 003 533 299 298 078 486 032 983 740 441 641 434 114 400 041 294 544 361 148 876 449 324 879 812 815
18 400 874 19 856 201 20 981 172 21 746 579 22 127 645 22 103 703 21 679 281 20 943 991 20 000 660 18 943 160 17 856 940 16 819 615 15 901 550 15 166 415 14 671 660 14 451 563 14 468 678 14 671 531 15 012 531 15 447 753 15 936 771 16 442 530 16 931 241 17 372 288 17 743 321 18 582 317 19 294 192 20 013 800 20 749 733 21 510 220 22 303 119 23 135 904 24 015 640 24 948 418 25 937 823 26 986 722 28 955 051 31 274 434 33 738 850 36 348 186 39 099 883
2 614 139 247 2 595 738 373 2 575 882 172 2 554 901 000 2 533 154 421 2 511 026 776 2 488 923 073 2 467 243 792 2 446 299 801 2 426 299 140 2 407 355 980 2 389 499 040 2 372 679 425 2 356 777 876 2 341 611 461 2 326 939 801 2 312 488 239 2 298 019 561 2 283 348 030 2 268 335 499 2 252 887 746 2 236 950 975 2 220 508 445 2 203 577 204 2 186 204 916 2 168 461 596 2 149 879 278 2 130 585 087 2 110 571 287 2 089 821 554 2 068 311 335 2 046 008 216 2 022 872 312 1 998 856 672 1 973 908 253 1 947 970 431 1 920 983 709 1 892 028 658 1 860 754 223 1 827 015 374 1 790 667 187
117 239 357 891 114 625 218 644 112 029 480 271 109 453 598 098 106 898 697 098 104 365 542 678 101 854 515 901 99 365 592 828 96 898 349 037 94 452 049 236 92 025 750 096 89 618 394 116 87 228 895 076 84 856 215 651 82 499 437 775 80 157 826 314 77 830 886 513 75 518 398 274 73 220 378 714 70 937 030 684 68 668 695 185 66 415 807 438 64 178 856 463 61 958 348 018 59 754 770 814 57 568 565 898 55 400 104 302 53 250 225 024 51 119 639 937 49 009 068 650 46 919 247 096 44 850 935 761 42 804 927 545 40 782 055 233 38 783 198 562 36 809 290 308 34 861 319 878 32 940 336 169 31 048 307 511 29 187 553 288 27 360 537 914
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
52
Interest Rate:
2.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
2 364 881 413 2 276 522 854 2 186 880 921 2 095 867 104 2 003 413 661 1 909 479 349 1 814 055 910 1 717 175 299 1 618 917 544 1 519 419 050 1 418 881 065 1 317 577 886 1 215 864 236 1 114 181 072 1 013 058 906 913 117 575 815 061 280 719 667 685 627 769 996 540 231 250 457 910 595 381 622 208 312 088 600 249 891 405 195 424 099 148 852 267 110 087 564 78 781 153 54 340 718 35 972 096 22 742 528 13 658 086 7 744 352 4 117 915 2 037 837 930 618 388 467 146 655 49 480 14 722
31 278 825 423 28 913 944 010 26 637 421 156 24 450 540 234 22 354 673 131 20 351 259 469 18 441 780 120 16 627 724 211 14 910 548 912 13 291 631 368 11 772 212 317 10 353 331 252 9 035 753 366 7 819 889 130 6 705 708 058 5 692 649 152 4 779 531 577 3 964 470 296 3 244 802 611 2 617 032 615 2 076 801 365 1 618 890 770 1 237 268 562 925 179 962 675 288 557 479 864 458 331 012 190 220 924 626 142 143 473 87 802 755 51 830 658 29 088 131 15 430 044 7 685 693 3 567 777 1 529 941 599 323 210 856 64 201 14 722
291 148 926 471 259 870 101 048 230 956 157 038 204 318 735 883 179 868 195 648 157 513 522 517 137 162 263 048 118 720 482 928 102 092 758 717 87 182 209 805 73 890 578 438 62 118 366 121 51 765 034 869 42 729 281 503 34 909 392 373 28 203 684 315 22 511 035 163 17 731 503 586 13 767 033 290 10 522 230 679 7 905 198 063 5 828 396 698 4 209 505 928 2 972 237 366 2 047 057 405 1 371 768 848 891 904 390 560 892 200 339 967 573 197 824 100 110 021 346 58 190 687 29 102 557 13 672 512 5 986 819 2 419 042 889 102 289 779 78 923 14 722
41 988 335 45 004 230 48 133 800 51 358 009 54 651 691 57 982 668 61 310 887 64 587 651 67 755 012 70 745 455 73 481 982 75 878 789 77 842 689 79 275 479 80 077 431 80 152 029 79 412 002 77 786 558 75 229 531 71 727 885 67 309 748 62 050 820 56 077 811 49 567 474 42 739 987 35 846 032 29 147 831 22 895 707 17 303 117 12 524 234 8 638 509 5 645 929 3 474 587 1 999 335 1 067 262 523 903 234 195 94 300 33 788 10 628
1 751 567 305 1 709 578 970 1 664 574 740 1 616 440 941 1 565 082 932 1 510 431 240 1 452 448 572 1 391 137 685 1 326 550 035 1 258 795 022 1 188 049 567 1 114 567 585 1 038 688 796 960 846 107 881 570 629 801 493 198 721 341 170 641 929 168 564 142 610 488 913 080 417 185 194 349 875 446 287 824 627 231 746 816 182 179 342 139 439 355 103 593 323 74 445 493 51 549 786 34 246 668 21 722 435 13 083 925 7 437 997 3 963 410 1 964 075 896 813 372 910 138 715 44 415 10 628
25 569 870 727 23 818 303 422 22 108 724 452 20 444 149 711 18 827 708 771 17 262 625 839 15 752 194 598 14 299 746 026 12 908 608 341 11 582 058 306 10 323 263 284 9 135 213 716 8 020 646 131 6 981 957 335 6 021 111 228 5 139 540 599 4 338 047 401 3 616 706 231 2 974 777 063 2 410 634 453 1 921 721 374 1 504 536 179 1 154 660 733 866 836 106 635 089 290 452 909 948 313 470 593 209 877 270 135 431 777 83 881 991 49 635 323 27 912 888 14 828 963 7 390 966 3 427 556 1 463 481 566 668 193 758 55 043 10 628
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
53
Interest Rate:
3.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
5 536 757 542 5 360 500 733 5 188 348 961 5 020 468 006 4 857 033 921 4 698 228 519 4 544 235 429 4 395 220 230 4 251 266 541 4 112 371 282 3 978 457 012 3 849 383 134 3 724 955 964 3 604 937 744 3 489 054 690 3 377 004 185 3 268 473 436 3 163 190 599 3 060 932 146 2 961 517 330 2 864 803 120 2 770 679 549 2 679 065 429 2 589 904 388 2 503 161 215 2 418 815 148 2 336 501 197 2 256 249 863 2 178 003 849 2 101 702 225 2 027 280 962 1 954 673 437 1 883 810 925 1 814 623 063 1 747 038 627 1 680 987 150 1 616 399 375 1 552 715 797 1 489 731 170 1 427 367 586 1 365 551 487
141 639 523 335 136 102 765 793 130 742 265 061 125 553 916 099 120 533 448 093 115 676 414 173 110 978 185 654 106 433 950 224 102 038 729 995 97 787 463 453 93 675 092 171 89 696 635 160 85 847 252 026 82 122 296 062 78 517 358 318 75 028 303 627 71 651 299 442 68 382 826 006 65 219 635 406 62 158 703 260 59 197 185 930 56 332 382 810 53 561 703 261 50 882 637 832 48 292 733 444 45 789 572 229 43 370 757 081 41 034 255 885 38 778 006 022 36 600 002 173 34 498 299 947 32 471 018 985 30 516 345 548 28 632 534 623 26 817 911 559 25 070 872 932 23 389 885 782 21 773 486 407 20 220 770 610 18 731 039 440 17 303 671 853
2 855 069 992 218 2 713 430 468 883 2 577 327 703 089 2 446 585 438 028 2 321 031 521 929 2 200 498 073 836 2 084 821 659 663 1 973 843 474 009 1 867 409 523 785 1 765 370 793 790 1 667 583 330 337 1 573 908 238 166 1 484 211 603 006 1 398 364 350 980 1 316 242 054 919 1 237 724 696 601 1 162 696 392 973 1 091 045 093 531 1 022 662 267 526 957 442 632 119 895 283 928 859 836 086 742 930 779 754 360 120 726 192 656 858 675 310 019 026 627 017 285 582 581 227 713 353 537 856 956 272 496 822 700 387 458 044 694 366 421 444 692 193 386 946 392 246 354 475 373 261 323 959 027 712 295 326 493 090 268 508 581 530 243 437 708 598 220 047 822 816 198 274 336 409 178 053 565 799 159 322 526 359
14 992 027 16 020 682 16 763 995 17 206 862 17 338 394 17 151 482 16 658 828 15 937 565 15 071 962 14 136 466 13 196 489 12 309 215 11 524 357 10 884 867 10 427 553 10 171 404 10 084 582 10 126 688 10 261 453 10 456 424 10 682 703 10 914 716 11 130 009 11 309 065 11 438 459 11 863 025 12 197 901 12 529 998 12 864 618 13 206 636 13 560 506 13 930 276 14 319 583 14 731 337 15 166 857 15 626 984 16 603 984 17 759 895 18 973 356 20 242 287 21 563 300
1 411 333 112 1 396 341 085 1 380 320 403 1 363 556 408 1 346 349 546 1 329 011 152 1 311 859 669 1 295 200 841 1 279 263 276 1 264 191 314 1 250 054 848 1 236 858 359 1 224 549 145 1 213 024 788 1 202 139 921 1 191 712 368 1 181 540 964 1 171 456 382 1 161 329 695 1 151 068 242 1 140 611 818 1 129 929 115 1 119 014 399 1 107 884 390 1 096 575 325 1 085 136 866 1 073 273 842 1 061 075 941 1 048 545 943 1 035 681 324 1 022 474 688 1 008 914 182 994 983 906 980 664 324 965 932 987 950 766 129 935 139 145 918 535 161 900 775 266 881 801 910 861 559 624
58 482 029 856 57 070 696 745 55 674 355 660 54 294 035 256 52 930 478 849 51 584 129 303 50 255 118 151 48 943 258 481 47 648 057 640 46 368 794 364 45 104 603 050 43 854 548 201 42 617 689 842 41 393 140 698 40 180 115 910 38 977 975 989 37 786 263 621 36 604 722 657 35 433 266 275 34 271 936 580 33 120 868 338 31 980 256 521 30 850 327 406 29 731 313 007 28 623 428 617 27 526 853 292 26 441 716 426 25 368 442 584 24 307 366 643 23 258 820 701 22 223 139 377 21 200 664 688 20 191 750 506 19 196 766 600 18 216 102 276 17 250 169 289 16 299 403 160 15 364 264 015 14 445 728 854 13 544 953 588 12 663 151 678
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
54
Interest Rate:
3.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
1 304 214 842 1 243 296 560 1 182 744 127 1 122 515 516 1 062 581 351 1 002 927 343 943 556 956 884 494 288 825 787 066 767 509 679 709 766 070 652 692 294 596 458 483 541 269 877 487 366 561 435 021 457 384 536 161 336 234 190 290 451 332 247 522 947 207 768 356 171 472 823 138 868 106 110 113 070 85 276 353 64 323 387 47 110 168 33 385 791 22 804 873 14 949 649 9 359 807 5 566 484 3 125 641 1 645 866 806 584 364 766 150 786 56 372 18 835 5 549
15 938 120 367 14 633 905 524 13 390 608 964 12 207 864 837 11 085 349 321 10 022 767 970 9 019 840 627 8 076 283 670 7 191 789 383 6 366 002 317 5 598 492 637 4 888 726 567 4 236 034 274 3 639 575 791 3 098 305 914 2 610 939 353 2 175 917 896 1 791 381 736 1 455 147 546 1 164 696 214 917 173 267 709 404 910 537 932 087 399 063 981 288 950 911 203 674 558 139 351 172 92 241 003 58 855 212 36 050 339 21 100 690 11 740 883 6 174 399 3 048 757 1 402 891 596 308 231 542 80 756 24 384 5 549
142 018 854 506 126 080 734 139 111 446 828 615 98 056 219 651 85 848 354 814 74 763 005 493 64 740 237 523 55 720 396 897 47 644 113 226 40 452 323 843 34 086 321 527 28 487 828 890 23 599 102 322 19 363 068 049 15 723 492 258 12 625 186 344 10 014 246 991 7 838 329 095 6 046 947 359 4 591 799 814 3 427 103 600 2 509 930 334 1 800 525 424 1 262 593 337 863 529 355 574 578 444 370 903 886 231 552 714 139 311 711 80 456 499 44 406 160 23 305 470 11 564 587 5 390 188 2 341 431 938 540 342 232 110 690 29 934 5 549
22 931 442 24 339 912 25 779 753 27 239 538 28 705 037 30 158 910 31 580 427 32 945 252 34 225 336 35 388 959 36 400 978 37 223 356 37 816 028 38 138 174 38 149 962 37 814 768 37 101 888 35 989 629 34 468 637 32 545 184 30 244 027 27 610 364 24 710 334 21 629 540 18 469 189 15 339 722 12 352 236 9 608 517 7 191 005 5 154 415 3 520 707 2 278 712 1 388 738 791 344 418 325 203 356 90 022 35 896 12 737 3 967
M xy
R xy
839 996 324 11 801 592 054 817 064 882 10 961 595 730 792 724 970 10 144 530 849 766 945 217 9 351 805 879 739 705 679 8 584 860 662 711 000 642 7 845 154 983 680 841 731 7 134 154 342 649 261 304 6 453 312 611 616 316 052 5 804 051 307 582 090 716 5 187 735 255 546 701 757 4 605 644 539 510 300 779 4 058 942 782 473 077 423 3 548 642 003 435 261 395 3 075 564 580 397 123 220 2 640 303 185 358 973 259 2 243 179 965 321 158 491 1 884 206 706 284 056 602 1 563 048 215 248 066 973 1 278 991 613 213 598 336 1 030 924 640 181 053 151 817 326 304 150 809 124 636 273 153 123 198 760 485 464 029 98 488 427 362 265 269 76 858 886 263 776 842 58 389 697 186 917 955 43 049 976 128 528 258 30 697 740 85 478 282 21 089 223 54 780 543 13 898 218 33 691 320 8 743 804 19 793 101 5 223 096 11 049 298 2 944 384 5 826 202 1 555 647 2 881 818 764 302 1 326 171 345 977 561 869 142 621 215 892 52 600 73 271 16 704 20 671 3 967 3 967
Age(xy) 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
55
Interest Rate:
4.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
4 563 869 462 4 376 097 134 4 194 832 822 4 020 069 563 3 851 805 831 3 690 041 683 3 534 775 563 3 385 989 032 3 243 598 763 3 107 456 046 2 977 359 194 2 853 064 479 2 734 295 678 2 620 752 371 2 512 117 106 2 408 061 577 2 308 260 577 2 212 427 873 2 120 319 697 2 031 729 139 1 946 481 127 1 864 427 932 1 785 445 127 1 709 427 963 1 636 288 126 1 565 948 673 1 498 113 565 1 432 747 987 1 369 762 090 1 309 066 078 1 250 570 594 1 194 187 077 1 139 828 082 1 087 407 572 1 036 841 375 988 048 108 940 949 372 895 186 326 850 615 434 807 170 106 764 788 244
98 025 110 351 93 461 240 889 89 085 143 755 84 890 310 934 80 870 241 371 77 018 435 540 73 328 393 857 69 793 618 294 66 407 629 262 63 164 030 499 60 056 574 453 57 079 215 259 54 226 150 780 51 491 855 102 48 871 102 731 46 358 985 625 43 950 924 048 41 642 663 471 39 430 235 598 37 309 915 900 35 278 186 761 33 331 705 634 31 467 277 702 29 681 832 575 27 972 404 612 26 336 116 486 24 770 167 813 23 272 054 248 21 839 306 261 20 469 544 171 19 160 478 093 17 909 907 500 16 715 720 423 15 575 892 341 14 488 484 769 13 451 643 394 12 463 595 286 11 522 645 914 10 627 459 589 9 776 844 155 8 969 674 049
1 771 580 759 629 1 673 555 649 278 1 580 094 408 389 1 491 009 264 633 1 406 118 953 700 1 325 248 712 329 1 248 230 276 790 1 174 901 882 932 1 105 108 264 638 1 038 700 635 376 975 536 604 876 915 480 030 423 858 400 815 165 804 174 664 385 752 682 809 283 703 811 706 551 657 452 720 926 613 501 796 878 571 859 133 407 532 428 897 810 495 118 981 910 459 840 795 148 426 509 089 514 395 041 811 812 365 359 979 237 337 387 574 624 311 051 458 138 286 281 290 325 263 009 236 077 241 169 929 815 220 700 385 644 201 539 907 551 183 630 000 051 166 914 279 628 151 338 387 287 136 849 902 517 123 398 259 123 110 934 663 837 99 412 017 923 88 784 558 334 79 007 714 179
12 238 887 12 952 884 13 423 535 13 645 672 13 617 770 13 341 439 12 833 625 12 159 921 11 388 918 10 579 311 9 780 901 9 035 552 8 378 088 7 837 097 7 435 640 7 183 247 7 053 451 7 014 796 7 039 801 7 104 583 7 188 536 7 274 039 7 346 197 7 392 607 7 405 295 7 606 312 7 745 826 7 880 205 8 012 855 8 146 789 8 284 648 8 428 723 8 580 968 8 742 829 8 914 753 9 096 886 9 572 685 10 140 649 10 729 349 11 336 858 11 960 580
793 672 375 781 433 487 768 480 603 755 057 069 741 411 397 727 793 626 714 452 187 701 618 562 689 458 641 678 069 722 667 490 411 657 709 510 648 673 958 640 295 870 632 458 773 625 023 133 617 839 886 610 786 435 603 771 639 596 731 838 589 627 255 582 438 719 575 164 680 567 818 482 560 425 875 553 020 580 545 414 268 537 668 442 529 788 237 521 775 382 513 628 593 505 343 945 496 915 222 488 334 254 479 591 426 470 676 673 461 579 787 452 007 101 441 866 453 431 137 103 419 800 246
29 887 345 462 29 093 673 088 28 312 239 600 27 543 758 997 26 788 701 928 26 047 290 532 25 319 496 905 24 605 044 718 23 903 426 156 23 213 967 515 22 535 897 793 21 868 407 382 21 210 697 872 20 562 023 913 19 921 728 043 19 289 269 270 18 664 246 137 18 046 406 251 17 435 619 815 16 831 848 176 16 235 116 338 15 645 489 084 15 063 050 365 14 487 885 685 13 920 067 203 13 359 641 328 12 806 620 748 12 261 206 480 11 723 538 038 11 193 749 801 10 671 974 419 10 158 345 826 9 653 001 881 9 156 086 658 8 667 752 404 8 188 160 978 7 717 484 305 7 255 904 518 6 803 897 417 6 362 030 964 5 930 893 861
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
56
Interest Rate:
4.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
723 412 732 682 992 017 643 480 782 604 840 716 567 041 365 530 061 069 493 887 964 458 521 010 423 971 018 390 261 617 357 430 080 325 527 913 294 621 105 264 789 877 236 127 807 208 740 139 182 741 154 158 250 443 135 388 046 114 268 440 94 993 551 77 645 073 62 276 615 48 906 349 37 511 020 28 022 253 20 326 036 14 266 045 9 651 025 6 265 860 3 885 264 2 288 434 1 272 625 663 681 322 121 144 274 59 066 21 870 7 237 2 112
8 204 885 804 7 481 473 072 6 798 481 056 6 155 000 274 5 550 159 558 4 983 118 193 4 453 057 124 3 959 169 159 3 500 648 149 3 076 677 132 2 686 415 515 2 328 985 435 2 003 457 522 1 708 836 417 1 444 046 539 1 207 918 732 999 178 593 816 437 439 658 186 996 522 798 951 408 530 510 313 536 959 235 891 887 173 615 271 124 708 922 87 197 902 59 175 649 38 849 613 24 583 568 14 932 543 8 666 683 4 781 419 2 492 985 1 220 360 556 679 234 558 90 284 31 218 9 348 2 112
70 038 040 131 61 833 154 326 54 351 681 254 47 553 200 198 41 398 199 925 35 848 040 367 30 864 922 174 26 411 865 051 22 452 695 891 18 952 047 742 15 875 370 610 13 188 955 095 10 859 969 660 8 856 512 139 7 147 675 722 5 703 629 183 4 495 710 450 3 496 531 857 2 680 094 418 2 021 907 422 1 499 108 471 1 090 577 961 777 041 001 541 149 115 367 533 843 242 824 921 155 627 019 96 451 370 57 601 757 33 018 189 18 085 646 9 418 963 4 637 544 2 144 559 924 199 367 521 132 963 42 678 11 460 2 112
12 597 149 13 242 311 13 890 805 14 536 247 15 171 012 15 786 141 16 371 264 16 914 569 17 402 823 17 821 475 18 154 856 18 386 504 18 499 647 18 477 844 18 305 829 17 970 519 17 462 205 16 775 842 15 912 373 14 879 949 13 694 880 12 382 109 10 975 011 9 514 315 8 046 036 6 618 438 5 278 220 4 066 326 3 013 972 2 139 602 1 447 396 927 792 559 997 316 035 165 458 79 659 34 924 13 792 4 847 1 495
407 839 666 395 242 517 382 000 206 368 109 401 353 573 154 338 402 142 322 616 001 306 244 737 289 330 169 271 927 346 254 105 871 235 951 015 217 564 511 199 064 864 180 587 020 162 281 191 144 310 672 126 848 468 110 072 626 94 160 253 79 280 304 65 585 424 53 203 315 42 228 303 32 713 988 24 667 952 18 049 514 12 771 294 8 704 968 5 690 996 3 551 394 2 103 998 1 176 206 616 209 300 175 134 717 55 058 20 134 6 342 1 495
5 511 093 615 5 103 253 950 4 708 011 433 4 326 011 227 3 957 901 826 3 604 328 672 3 265 926 530 2 943 310 529 2 637 065 791 2 347 735 622 2 075 808 276 1 821 702 406 1 585 751 391 1 368 186 880 1 169 122 015 988 534 995 826 253 804 681 943 131 555 094 664 445 022 038 350 861 785 271 581 481 205 996 058 152 792 743 110 564 439 77 850 451 53 182 499 35 132 985 22 361 692 13 656 723 7 965 727 4 414 333 2 310 335 1 134 129 517 920 217 746 83 029 27 971 7 837 1 495
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
57
Interest Rate:
5.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
3 768 894 829 3 579 412 893 3 398 470 797 3 225 867 264 3 061 408 980 2 904 907 298 2 756 175 640 2 615 017 702 2 481 191 316 2 354 410 365 2 234 356 352 2 120 688 268 2 013 050 933 1 911 081 969 1 814 417 594 1 722 697 392 1 635 574 318 1 552 739 531 1 473 923 274 1 398 889 396 1 327 430 544 1 259 363 929 1 194 527 622 1 132 777 290 1 073 983 351 1 018 027 086 964 651 818 913 775 896 865 284 797 819 067 210 775 015 206 733 024 379 692 993 952 654 826 860 618 429 918 583 714 260 550 595 312 518 828 390 488 300 975 458 947 959 430 708 673
69 363 025 954 65 594 131 126 62 014 718 233 58 616 247 436 55 390 380 171 52 328 971 191 49 424 063 893 46 667 888 253 44 052 870 551 41 571 679 235 39 217 268 870 36 982 912 518 34 862 224 250 32 849 173 317 30 938 091 348 29 123 673 754 27 400 976 362 25 765 402 044 24 212 662 513 22 738 739 239 21 339 849 843 20 012 419 300 18 753 055 370 17 558 527 748 16 425 750 457 15 351 767 106 14 333 740 020 13 369 088 202 12 455 312 307 11 590 027 509 10 770 960 299 9 995 945 093 9 262 920 714 8 569 926 762 7 915 099 902 7 296 669 984 6 712 955 723 6 162 360 411 5 643 532 021 5 155 231 046 4 696 283 087
1 127 395 350 288 1 058 032 324 334 992 438 193 208 930 423 474 975 871 807 227 540 816 416 847 368 764 087 876 177 714 663 812 284 667 995 924 031 623 943 053 479 582 371 374 244 543 154 105 374 506 171 192 856 471 308 968 606 438 459 795 289 407 521 703 941 378 398 030 187 350 997 053 825 325 231 651 781 301 018 989 268 278 280 250 029 256 940 400 185 236 927 980 886 218 174 925 516 200 616 397 768 184 190 647 310 168 838 880 204 154 505 140 184 141 136 051 982 128 680 739 675 117 090 712 166 106 319 751 868 96 323 806 775 87 060 886 061 78 490 959 300 70 575 859 398 63 279 189 414 56 566 233 691 50 403 873 280 44 760 341 259 39 605 110 214
10 010 754 10 493 862 10 771 590 10 845 558 10 720 302 10 402 740 9 911 478 9 301 733 8 628 984 7 939 234 7 270 162 6 652 180 6 109 396 5 660 471 5 319 365 5 089 865 4 950 296 4 876 280 4 847 055 4 845 072 4 855 636 4 866 596 4 868 065 4 852 163 4 814 200 4 897 788 4 940 121 4 977 960 5 013 549 5 048 804 5 085 341 5 124 504 5 167 380 5 214 710 5 266 614 5 323 031 5 548 097 5 821 301 6 100 589 6 384 621 6 671 733
465 893 389 455 882 635 445 388 773 434 617 183 423 771 625 413 051 323 402 648 584 392 737 105 383 435 372 374 806 388 366 867 154 359 596 992 352 944 813 346 835 417 341 174 946 335 855 581 330 765 716 325 815 420 320 939 141 316 092 086 311 247 014 306 391 378 301 524 782 296 656 718 291 804 554 286 990 354 282 092 566 277 152 444 272 174 484 267 160 935 262 112 131 257 026 790 251 902 286 246 734 905 241 520 196 236 253 581 230 930 550 225 382 453 219 561 151 213 460 563 207 075 942
15 677 516 587 15 211 623 198 14 755 740 563 14 310 351 790 13 875 734 607 13 451 962 981 13 038 911 658 12 636 263 074 12 243 525 969 11 860 090 597 11 485 284 208 11 118 417 054 10 758 820 062 10 405 875 249 10 059 039 832 9 717 864 887 9 382 009 306 9 051 243 590 8 725 428 169 8 404 489 029 8 088 396 943 7 777 149 929 7 470 758 550 7 169 233 768 6 872 577 051 6 580 772 496 6 293 782 142 6 011 689 577 5 734 537 133 5 462 362 649 5 195 201 714 4 933 089 583 4 676 062 793 4 424 160 507 4 177 425 602 3 935 905 406 3 699 651 825 3 468 721 274 3 243 338 822 3 023 777 670 2 810 317 107
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
58
Interest Rate:
5.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
403 527 003 377 351 535 352 135 748 327 838 228 304 422 926 281 859 426 260 123 230 239 196 035 219 065 983 199 727 863 181 183 212 163 440 293 146 513 887 130 424 853 115 199 382 100 867 911 87 463 622 75 020 520 63 571 067 53 143 422 43 758 395 35 426 251 28 143 645 21 890 951 16 630 385 12 305 252 8 840 650 6 145 810 4 118 064 2 648 160 1 626 403 948 834 522 632 269 960 129 778 57 572 23 346 8 562 2 806 811
4 265 574 413 3 862 047 410 3 484 695 875 3 132 560 127 2 804 721 899 2 500 298 973 2 218 439 547 1 958 316 317 1 719 120 282 1 500 054 299 1 300 326 436 1 119 143 224 955 702 931 809 189 044 678 764 191 563 564 809 462 696 898 375 233 276 300 212 755 236 641 689 183 498 266 139 739 872 104 313 620 76 169 976 54 279 025 37 648 640 25 343 388 16 502 739 10 356 929 6 238 865 3 590 705 1 964 302 1 015 468 492 836 222 876 93 097 35 525 12 179 3 617 811
34 908 827 127 30 643 252 714 26 781 205 304 23 296 509 429 20 163 949 302 17 359 227 403 14 858 928 430 12 640 488 883 10 682 172 566 8 963 052 284 7 462 997 985 6 162 671 550 5 043 528 326 4 087 825 395 3 278 636 351 2 599 872 160 2 036 307 351 1 573 610 453 1 198 377 177 898 164 422 661 522 733 478 024 467 338 284 595 233 970 975 157 800 999 103 521 974 65 873 334 40 529 946 24 027 207 13 670 279 7 431 414 3 840 709 1 876 408 860 940 368 104 145 229 52 132 16 607 4 428 811
6 959 896 7 246 667 7 529 151 7 803 958 8 067 170 8 314 319 8 540 375 8 739 764 8 906 407 9 033 801 9 115 147 9 143 534 9 112 182 9 014 763 8 845 787 8 601 055 8 278 168 7 877 048 7 400 451 6 854 388 6 248 410 5 595 642 4 912 520 4 218 140 3 533 210 2 878 638 2 273 856 1 735 089 1 273 805 895 655 600 121 381 019 227 785 127 326 66 026 31 485 13 672 5 348 1 861 569
200 404 208 193 444 312 186 197 645 178 668 494 170 864 537 162 797 367 154 483 048 145 942 673 137 202 909 128 296 502 119 262 702 110 147 554 101 004 020 91 891 838 82 877 074 74 031 288 65 430 233 57 152 065 49 275 017 41 874 567 35 020 178 28 771 768 23 176 126 18 263 605 14 045 466 10 512 256 7 633 618 5 359 762 3 624 673 2 350 868 1 455 213 855 092 474 073 246 288 118 962 52 936 21 450 7 778 2 430 569
2 603 241 166 2 402 836 957 2 209 392 645 2 023 195 000 1 844 526 505 1 673 661 969 1 510 864 602 1 356 381 554 1 210 438 881 1 073 235 972 944 939 469 825 676 768 715 529 213 614 525 193 522 633 356 439 756 281 365 724 993 300 294 760 243 142 695 193 867 677 151 993 111 116 972 932 88 201 164 65 025 039 46 761 433 32 715 967 22 203 712 14 570 094 9 210 332 5 585 659 3 234 791 1 779 578 924 486 450 413 204 125 85 163 32 228 10 777 2 999 569
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
59
Interest Rate:
6.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
3 118 047 269 2 933 350 155 2 758 792 814 2 593 973 117 2 438 505 633 2 292 018 522 2 154 151 129 2 024 544 587 1 902 814 267 1 788 552 701 1 681 339 643 1 580 750 332 1 486 362 176 1 397 760 072 1 314 540 582 1 236 315 116 1 162 716 671 1 093 416 594 1 028 123 678 966 578 869 908 550 682 853 831 231 802 232 804 753 584 899 707 731 680 664 528 872 623 747 104 585 276 500 548 989 320 514 763 561 482 482 887 452 036 541 423 319 235 396 231 024 370 677 237 346 568 561 323 820 846 302 259 152 281 790 763 262 353 002 243 887 558
50 039 943 384 46 921 896 115 43 988 545 960 41 229 753 146 38 635 780 029 36 197 274 396 33 905 255 875 31 751 104 746 29 726 560 158 27 823 745 891 26 035 193 190 24 353 853 547 22 773 103 215 21 286 741 040 19 888 980 967 18 574 440 385 17 338 125 269 16 175 408 598 15 081 992 004 14 053 868 326 13 087 289 457 12 178 738 775 11 324 907 544 10 522 674 740 9 769 089 840 9 061 358 160 8 396 829 288 7 773 082 185 7 187 805 685 6 638 816 364 6 124 052 803 5 641 569 916 5 189 533 376 4 766 214 141 4 369 983 117 3 999 305 880 3 652 737 320 3 328 916 474 3 026 657 322 2 744 866 559 2 482 513 558
734 628 092 998 684 588 149 614 637 666 253 499 593 677 707 539 552 447 954 393 513 812 174 364 477 614 899 968 443 709 644 093 411 958 539 347 382 231 979 189 354 408 233 298 328 373 040 107 304 019 186 560 281 246 083 345 259 959 342 305 240 070 361 338 221 495 920 953 204 157 795 684 187 982 387 086 172 900 395 082 158 846 526 757 145 759 237 300 133 580 498 525 122 255 590 981 111 732 916 241 101 963 826 400 92 902 468 240 84 505 638 952 76 732 556 767 69 544 751 083 62 905 934 718 56 781 881 915 51 140 311 998 45 950 778 623 41 184 564 481 36 814 581 364 32 815 275 484 29 162 538 164 25 833 621 690 22 806 964 368 20 062 097 809
8 203 872 8 518 652 8 661 613 8 638 818 8 458 490 8 130 495 7 673 459 7 133 457 6 555 099 5 974 226 5 419 142 4 911 723 4 468 395 4 100 996 3 817 508 3 618 344 3 485 926 3 401 411 3 349 129 3 316 176 3 292 054 3 268 357 3 238 501 3 197 470 3 142 525 3 166 926 3 164 164 3 158 321 3 150 892 3 143 114 3 135 994 3 130 332 3 126 745 3 125 616 3 126 946 3 130 627 3 232 212 3 359 381 3 487 340 3 615 273 3 742 210
285 597 565 277 393 693 268 875 040 260 213 427 251 574 609 243 116 119 234 985 624 227 312 165 220 178 708 213 623 610 207 649 384 202 230 242 197 318 519 192 850 124 188 749 128 184 931 620 181 313 276 177 827 350 174 425 939 171 076 810 167 760 634 164 468 581 161 200 223 157 961 723 154 764 253 151 621 728 148 454 802 145 290 638 142 132 317 138 981 425 135 838 310 132 702 316 129 571 984 126 445 240 123 319 624 120 192 678 117 062 051 113 829 839 110 470 459 106 983 118 103 367 845
8 457 214 806 8 171 617 241 7 894 223 548 7 625 348 508 7 365 135 081 7 113 560 471 6 870 444 352 6 635 458 728 6 408 146 563 6 187 967 855 5 974 344 245 5 766 694 861 5 564 464 619 5 367 146 100 5 174 295 976 4 985 546 847 4 800 615 227 4 619 301 951 4 441 474 601 4 267 048 662 4 095 971 852 3 928 211 218 3 763 742 637 3 602 542 414 3 444 580 691 3 289 816 438 3 138 194 710 2 989 739 909 2 844 449 271 2 702 316 955 2 563 335 530 2 427 497 220 2 294 794 903 2 165 222 919 2 038 777 680 1 915 458 056 1 795 265 378 1 678 203 326 1 564 373 487 1 453 903 028 1 346 919 910
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
60
Interest Rate:
6.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
226 340 392 209 661 659 193 805 655 178 730 783 164 399 523 150 778 422 137 838 076 125 553 110 113 902 138 102 867 698 92 436 130 82 597 398 73 344 822 64 674 705 56 585 829 49 078 807 42 155 269 35 816 893 30 064 277 24 895 693 20 305 773 16 284 213 12 814 609 9 873 544 7 430 092 5 445 852 3 875 636 2 668 832 1 771 408 1 128 375 686 469 396 704 216 449 110 750 52 739 23 175 9 309 3 382 1 098 314
2 238 626 000 2 012 285 607 1 802 623 949 1 608 818 294 1 430 087 511 1 265 687 988 1 114 909 566 977 071 489 851 518 379 737 616 241 634 748 543 542 312 413 459 715 015 386 370 193 321 695 488 265 109 659 216 030 852 173 875 583 138 058 690 107 994 413 83 098 720 62 792 947 46 508 734 33 694 126 23 820 582 16 390 490 10 944 638 7 069 003 4 400 170 2 628 762 1 500 387 813 919 417 215 200 766 90 017 37 278 14 103 4 794 1 412 314
17 579 584 251 15 340 958 251 13 328 672 644 11 526 048 695 9 917 230 402 8 487 142 891 7 221 454 903 6 106 545 337 5 129 473 848 4 277 955 468 3 540 339 227 2 905 590 684 2 363 278 271 1 903 563 256 1 517 193 063 1 195 497 575 930 387 916 714 357 064 540 481 481 402 422 791 294 428 378 211 329 658 148 536 711 102 027 977 68 333 852 44 513 270 28 122 780 17 178 142 10 109 139 5 708 969 3 080 207 1 579 819 765 900 348 685 147 918 57 902 20 623 6 521 1 727 314
3 867 013 3 988 363 4 104 741 4 214 423 4 315 467 4 405 718 4 482 811 4 544 192 4 587 149 4 608 868 4 606 498 4 577 251 4 518 523 4 428 043 4 304 051 4 145 492 3 952 229 3 725 244 3 466 833 3 180 730 2 872 176 2 547 856 2 215 709 1 884 572 1 563 669 1 261 960 987 427 746 358 542 765 378 036 250 908 157 800 93 448 51 742 26 578 12 554 5 400 2 092 721 218
99 625 635 95 758 622 91 770 259 87 665 518 83 451 095 79 135 628 74 729 909 70 247 098 65 702 907 61 115 757 56 506 889 51 900 391 47 323 139 42 804 616 38 376 573 34 072 522 29 927 029 25 974 801 22 249 556 18 782 724 15 601 993 12 729 817 10 181 961 7 966 251 6 081 679 4 518 010 3 256 050 2 268 622 1 522 264 979 499 601 463 350 554 192 755 99 307 47 565 20 987 8 433 3 032 940 218
1 243 552 066 1 143 926 431 1 048 167 809 956 397 550 868 732 032 785 280 937 706 145 309 631 415 400 561 168 301 495 465 395 434 349 637 377 842 748 325 942 358 278 619 219 235 814 603 197 438 030 163 365 508 133 438 479 107 463 679 85 214 122 66 431 399 50 829 405 38 099 588 27 917 628 19 951 377 13 869 698 9 351 688 6 095 639 3 827 017 2 304 753 1 325 254 723 792 373 237 180 482 81 175 33 610 12 623 4 190 1 158 218
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
61
Interest Rate:
7.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
2 584 190 028 2 408 395 168 2 243 907 824 2 090 130 897 1 946 497 566 1 812 467 853 1 687 525 895 1 571 171 926 1 462 900 712 1 362 204 408 1 268 580 643 1 181 538 824 1 100 604 914 1 025 324 939 955 267 441 890 025 080 829 218 633 772 507 850 719 589 287 670 191 186 624 069 074 581 001 999 540 789 306 503 247 879 468 209 790 435 519 691 404 971 603 376 442 980 349 803 459 324 930 208 301 707 630 280 027 065 259 786 487 240 890 192 223 248 550 206 777 833 191 399 900 176 985 812 163 458 621 150 761 068 138 840 094
36 710 668 507 34 126 478 479 31 718 083 311 29 474 175 487 27 384 044 589 25 437 547 023 23 625 079 171 21 937 553 276 20 366 381 349 18 903 480 637 17 541 276 229 16 272 695 586 15 091 156 762 13 990 551 848 12 965 226 909 12 009 959 468 11 119 934 389 10 290 715 755 9 518 207 906 8 798 618 619 8 128 427 432 7 504 358 358 6 923 356 359 6 382 567 053 5 879 319 173 5 411 109 384 4 975 589 693 4 570 618 090 4 194 175 110 3 844 371 651 3 519 441 443 3 217 733 813 2 937 706 748 2 677 920 261 2 437 030 069 2 213 781 519 2 007 003 686 1 815 603 786 1 638 617 975 1 475 159 353 1 324 398 285
489 301 736 327 452 591 067 820 418 464 589 341 386 746 506 030 357 272 330 544 329 888 285 954 304 450 738 931 280 825 659 760 258 888 106 484 238 521 725 135 219 618 244 498 202 076 968 268 185 804 272 682 170 713 115 920 156 722 564 072 143 757 337 163 131 747 377 695 120 627 443 306 110 336 727 551 100 818 519 645 92 019 901 026 83 891 473 593 76 387 115 235 69 463 758 877 63 081 191 824 57 201 872 651 51 790 763 267 46 815 173 574 42 244 555 484 38 050 380 374 34 206 008 724 30 686 567 281 27 468 833 467 24 531 126 719 21 853 206 458 19 416 176 389 17 202 394 870 15 195 391 183 13 379 787 397 11 741 169 423 10 266 010 070
6 735 700 6 928 781 6 979 219 6 895 796 6 688 751 6 369 294 5 955 079 5 484 266 4 992 519 4 507 588 4 050 562 3 636 978 3 277 785 2 980 165 2 748 230 2 580 507 2 462 836 2 380 666 2 322 166 2 277 829 2 240 126 2 203 217 2 162 687 2 115 331 2 059 551 2 056 146 2 035 153 2 012 410 1 988 913 1 965 462 1 942 682 1 921 051 1 900 917 1 882 471 1 865 672 1 850 411 1 892 600 1 948 679 2 003 999 2 058 100 2 110 452
182 557 479 175 821 779 168 892 998 161 913 779 155 017 983 148 329 232 141 959 938 136 004 859 130 520 594 125 528 074 121 020 486 116 969 924 113 332 946 110 055 161 107 074 996 104 326 766 101 746 260 99 283 424 96 902 758 94 580 592 92 302 763 90 062 637 87 859 421 85 696 733 83 581 402 81 521 851 79 465 705 77 430 551 75 418 141 73 429 228 71 463 767 69 521 085 67 600 033 65 699 117 63 816 646 61 950 974 60 100 563 58 207 963 56 259 284 54 255 285 52 197 186
4 700 272 088 4 517 714 609 4 341 892 831 4 172 999 833 4 011 086 054 3 856 068 070 3 707 738 839 3 565 778 900 3 429 774 041 3 299 253 448 3 173 725 374 3 052 704 888 2 935 734 964 2 822 402 018 2 712 346 857 2 605 271 860 2 500 945 094 2 399 198 834 2 299 915 410 2 203 012 652 2 108 432 060 2 016 129 296 1 926 066 659 1 838 207 239 1 752 510 505 1 668 929 103 1 587 407 252 1 507 941 548 1 430 510 996 1 355 092 855 1 281 663 627 1 210 199 860 1 140 678 775 1 073 078 742 1 007 379 625 943 562 979 881 612 005 821 511 441 763 303 478 707 044 194 652 788 908
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
62
Interest Rate:
7.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
127 646 646 117 135 476 107 264 982 97 997 041 89 296 872 81 132 895 73 476 603 66 302 428 59 587 604 53 312 022 47 458 059 42 010 386 36 955 736 32 282 632 27 981 066 24 042 114 20 457 502 17 219 112 14 318 439 11 746 033 9 490 927 7 540 115 5 878 122 4 486 714 3 344 811 2 428 652 1 712 240 1 168 060 768 041 484 665 292 099 167 224 90 388 45 816 21 614 9 409 3 744 1 347 433 123
1 185 558 191 1 057 911 545 940 776 069 833 511 087 735 514 047 646 217 175 565 084 279 491 607 676 425 305 248 365 717 645 312 405 623 264 947 564 222 937 178 185 981 442 153 698 810 125 717 744 101 675 630 81 218 128 63 999 017 49 680 577 37 934 544 28 443 617 20 903 502 15 025 380 10 538 666 7 193 855 4 765 202 3 052 963 1 884 903 1 116 862 632 197 340 098 172 874 82 487 36 670 15 057 5 648 1 904 556 123
8 941 611 784 7 756 053 593 6 698 142 048 5 757 365 979 4 923 854 892 4 188 340 845 3 542 123 670 2 977 039 391 2 485 431 715 2 060 126 467 1 694 408 822 1 382 003 199 1 117 055 635 894 118 457 708 137 015 554 438 205 428 720 460 327 044 830 245 826 702 181 827 685 132 147 108 94 212 565 65 768 947 44 865 445 29 840 065 19 301 399 12 107 544 7 342 342 4 289 379 2 404 476 1 287 614 655 417 315 319 142 444 59 958 23 287 8 231 2 583 679 123
2 160 454 2 207 426 2 250 605 2 289 148 2 322 125 2 348 533 2 367 295 2 377 282 2 377 328 2 366 260 2 342 940 2 306 307 2 255 439 2 189 618 2 108 415 2 011 763 1 900 049 1 774 188 1 635 686 1 486 675 1 329 910 1 168 714 1 006 858 848 380 697 340 557 529 432 164 323 603 233 131 160 858 105 766 65 896 38 658 21 205 10 791 5 049 2 152 826 282 85
50 086 734 47 926 279 45 718 853 43 468 248 41 179 100 38 856 975 36 508 443 34 141 147 31 763 866 29 386 538 27 020 278 24 677 337 22 371 030 20 115 592 17 925 973 15 817 558 13 805 795 11 905 746 10 131 558 8 495 872 7 009 197 5 679 287 4 510 573 3 503 715 2 655 336 1 957 996 1 400 467 968 303 644 699 411 568 250 710 144 944 79 048 40 390 19 184 8 394 3 344 1 193 367 85
600 591 722 550 504 989 502 578 709 456 859 856 413 391 608 372 212 508 333 355 533 296 847 090 262 705 943 230 942 077 201 555 539 174 535 261 149 857 924 127 486 894 107 371 302 89 445 329 73 627 770 59 821 975 47 916 230 37 784 672 29 288 800 22 279 603 16 600 316 12 089 743 8 586 028 5 930 692 3 972 696 2 572 229 1 603 926 959 227 547 658 296 948 152 004 72 956 32 566 13 382 4 988 1 644 451 85
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
63
Interest Rate:
8.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
2 145 482 074 1 981 017 049 1 828 628 572 1 687 539 689 1 557 020 741 1 436 385 020 1 324 985 187 1 222 205 714 1 127 445 280 1 040 118 749 959 662 990 885 541 023 817 244 785 754 296 779 696 250 837 642 692 189 593 239 215 547 549 923 505 318 889 466 272 259 430 163 493 396 769 735 365 888 726 337 336 168 310 943 489 286 555 530 263 988 855 243 119 753 223 823 233 205 982 904 189 490 483 174 245 328 160 153 971 147 129 682 135 092 067 123 966 746 113 684 943 104 150 106 95 299 170 87 082 425 79 454 085
27 326 574 724 25 181 092 650 23 200 075 600 21 371 447 028 19 683 907 339 18 126 886 598 16 690 501 578 15 365 516 391 14 143 310 677 13 015 865 397 11 975 746 648 11 016 083 658 10 130 542 635 9 313 297 850 8 559 001 071 7 862 750 233 7 220 058 045 6 626 818 830 6 079 268 906 5 573 950 017 5 107 677 758 4 677 514 265 4 280 744 531 3 914 855 805 3 577 519 637 3 266 576 148 2 980 020 618 2 716 031 763 2 472 912 010 2 249 088 777 2 043 105 873 1 853 615 390 1 679 370 062 1 519 216 092 1 372 086 410 1 236 994 344 1 113 027 598 999 342 655 895 192 548 799 893 378 712 810 953
332 522 505 589 305 195 930 865 280 014 838 216 256 814 762 615 235 443 315 587 215 759 408 248 197 632 521 649 180 942 020 071 165 576 503 680 151 433 193 003 138 417 327 607 126 441 580 959 115 425 497 301 105 294 954 667 95 981 656 817 87 422 655 747 79 559 905 513 72 339 847 469 65 713 028 639 59 633 759 733 54 059 809 715 48 952 131 957 44 274 617 692 39 993 873 161 36 079 017 356 32 501 497 719 29 234 921 571 26 254 900 953 23 538 869 189 21 065 957 179 18 816 868 403 16 773 762 530 14 920 147 140 13 240 777 077 11 721 560 985 10 349 474 575 9 112 480 232 7 999 452 634 7 000 109 979 6 104 917 431 5 305 024 053
5 540 426 5 646 474 5 634 914 5 516 009 5 300 851 5 000 943 4 632 422 4 226 677 3 812 066 3 409 926 3 035 820 2 700 607 2 411 355 2 172 106 1 984 512 1 846 145 1 745 646 1 671 780 1 615 601 1 570 081 1 529 796 1 490 658 1 449 689 1 404 816 1 355 107 1 340 340 1 314 372 1 287 649 1 260 831 1 234 428 1 208 823 1 184 296 1 161 032 1 139 120 1 118 501 1 099 080 1 113 730 1 136 113 1 157 548 1 177 790 1 196 567
121 291 342 115 750 915 110 104 442 104 469 527 98 953 519 93 652 668 88 651 725 84 019 303 79 792 626 75 980 560 72 570 634 69 534 814 66 834 208 64 422 852 62 250 746 60 266 234 58 420 089 56 674 442 55 002 662 53 387 061 51 816 980 50 287 185 48 796 526 47 346 838 45 942 022 44 586 915 43 246 575 41 932 203 40 644 554 39 383 723 38 149 295 36 940 472 35 756 176 34 595 144 33 456 024 32 337 523 31 238 443 30 124 712 28 988 599 27 831 052 26 653 262
2 695 277 055 2 573 985 713 2 458 234 797 2 348 130 356 2 243 660 829 2 144 707 310 2 051 054 642 1 962 402 917 1 878 383 614 1 798 590 989 1 722 610 429 1 650 039 795 1 580 504 981 1 513 670 773 1 449 247 921 1 386 997 175 1 326 730 941 1 268 310 852 1 211 636 410 1 156 633 748 1 103 246 687 1 051 429 707 1 001 142 522 952 345 996 904 999 158 859 057 136 814 470 221 771 223 646 729 291 443 688 646 889 649 263 166 611 113 870 574 173 398 538 417 222 503 822 077 470 366 053 438 028 530 406 790 087 376 665 374 347 676 775 319 845 723
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
64
Interest Rate:
8.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
72 372 031 65 797 565 59 695 193 54 032 415 48 779 539 43 909 495 39 397 672 35 221 751 31 361 545 27 798 842 24 517 238 21 501 971 18 739 736 16 218 496 13 927 268 11 855 895 9 994 805 8 334 748 6 866 532 5 580 756 4 467 560 3 516 412 2 715 942 2 053 857 1 516 958 1 091 258 762 231 515 166 335 603 209 818 125 283 71 059 38 053 19 110 8 932 3 852 1 519 541 173 48
633 356 868 560 984 837 495 187 272 435 492 078 381 459 663 332 680 124 288 770 630 249 372 958 214 151 207 182 789 662 154 990 820 130 473 581 108 971 610 90 231 874 74 013 378 60 086 111 48 230 216 38 235 411 29 900 663 23 034 131 17 453 376 12 985 815 9 469 403 6 753 461 4 699 604 3 182 646 2 091 389 1 329 158 813 992 478 389 268 571 143 287 72 228 34 175 15 065 6 133 2 281 763 221 48
4 592 213 100 3 958 856 232 3 397 871 395 2 902 684 123 2 467 192 045 2 085 732 382 1 753 052 258 1 464 281 628 1 214 908 671 1 000 757 464 817 967 802 662 976 982 532 503 401 423 531 790 333 299 916 259 286 538 199 200 427 150 970 211 112 734 800 82 834 137 59 800 006 42 346 631 29 360 815 19 891 412 13 137 951 8 438 346 5 255 700 3 164 312 1 835 154 1 021 161 542 773 274 202 130 915 58 687 24 512 9 447 3 313 1 032 270 48
1 213 575 1 228 478 1 240 911 1 250 476 1 256 745 1 259 268 1 257 575 1 251 187 1 239 626 1 222 430 1 199 176 1 169 496 1 133 111 1 089 858 1 039 723 982 876 919 701 850 827 777 144 699 806 620 218 539 995 460 904 384 762 313 333 248 193 190 604 141 402 100 926 68 993 44 944 27 742 16 125 8 763 4 418 2 048 865 329 111 33
25 456 696 24 243 121 23 014 643 21 773 731 20 523 256 19 266 511 18 007 243 16 749 668 15 498 481 14 258 855 13 036 425 11 837 249 10 667 753 9 534 642 8 444 783 7 405 060 6 422 184 5 502 483 4 651 656 3 874 512 3 174 706 2 554 488 2 014 493 1 553 589 1 168 827 855 494 607 301 416 698 275 296 174 370 105 377 60 433 32 691 16 567 7 804 3 386 1 338 473 144 33
293 192 461 267 735 765 243 492 644 220 478 002 198 704 271 178 181 015 158 914 504 140 907 261 124 157 593 108 659 112 94 400 257 81 363 832 69 526 583 58 858 830 49 324 188 40 879 405 33 474 345 27 052 160 21 549 677 16 898 021 13 023 509 9 848 803 7 294 315 5 279 822 3 726 233 2 557 406 1 701 912 1 094 611 677 913 402 617 228 247 122 870 62 436 29 745 13 178 5 374 1 988 651 177 33
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
65
Interest Rate:
9.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
1 784 308 898 1 632 415 169 1 493 018 425 1 365 183 150 1 248 040 213 1 140 781 070 1 042 652 813 952 950 327 871 001 061 796 165 572 727 840 927 665 462 625 608 505 348 556 482 809 508 946 916 465 486 442 425 726 930 389 333 928 356 009 281 325 486 232 297 525 266 271 910 574 248 447 050 226 957 732 207 281 622 189 271 570 172 766 462 157 649 047 143 804 848 131 128 410 119 522 668 108 898 344 99 173 377 90 272 391 82 126 205 74 671 412 67 849 925 61 589 035 55 838 026 50 555 535 45 703 734
20 599 945 152 18 815 636 254 17 183 221 085 15 690 202 660 14 325 019 510 13 076 979 297 11 936 198 227 10 893 545 414 9 940 595 087 9 069 594 025 8 273 428 453 7 545 587 526 6 880 124 901 6 271 619 553 5 715 136 745 5 206 189 829 4 740 703 387 4 314 976 457 3 925 642 529 3 569 633 248 3 244 147 017 2 946 621 751 2 674 711 177 2 426 264 127 2 199 306 396 1 992 024 773 1 802 753 204 1 629 986 742 1 472 337 694 1 328 532 846 1 197 404 436 1 077 881 768 968 983 424 869 810 046 779 537 656 697 411 451 622 740 039 554 890 114 493 301 079 437 463 053 386 907 518
230 157 648 293 209 557 703 141 190 742 066 886 173 558 845 801 157 868 643 141 143 543 623 631 130 466 644 334 118 530 446 107 107 636 900 693 97 696 305 607 88 626 711 581 80 353 283 128 72 807 695 602 65 927 570 700 59 655 951 147 53 940 814 402 48 734 624 574 43 993 921 186 39 678 944 730 35 753 302 201 32 183 668 952 28 939 521 936 25 992 900 185 23 318 189 008 20 891 924 880 18 692 618 485 16 700 593 712 14 897 840 508 13 267 853 766 11 795 516 072 10 466 983 225 9 269 578 789 8 191 697 021 7 222 713 597 6 352 903 551 5 573 365 895 4 875 954 444 4 253 214 405 3 698 324 292 3 205 023 213 2 767 560 160
4 565 471 4 610 170 4 558 524 4 421 393 4 209 951 3 935 325 3 611 886 3 265 294 2 917 970 2 586 203 2 281 345 2 010 822 1 778 978 1 587 771 1 437 334 1 324 851 1 241 237 1 177 809 1 127 787 1 085 956 1 048 385 1 012 192 975 342 936 480 895 056 877 180 852 294 827 305 802 643 778 625 755 480 733 360 712 359 692 503 673 730 655 958 658 603 665 675 672 012 677 490 681 977
83 395 991 78 830 520 74 220 349 69 661 825 65 240 432 61 030 481 57 095 157 53 483 270 50 217 976 47 300 006 44 713 802 42 432 458 40 421 636 38 642 657 37 054 886 35 617 552 34 292 701 33 051 464 31 873 654 30 745 867 29 659 911 28 611 526 27 599 333 26 623 992 25 687 511 24 792 455 23 915 275 23 062 981 22 235 676 21 433 033 20 654 407 19 898 927 19 165 567 18 453 208 17 760 705 17 086 976 16 431 018 15 772 415 15 106 740 14 434 728 13 757 237
1 596 102 254 1 512 706 264 1 433 875 744 1 359 655 395 1 289 993 570 1 224 753 138 1 163 722 657 1 106 627 500 1 053 144 230 1 002 926 254 955 626 248 910 912 446 868 479 988 828 058 352 789 415 695 752 360 809 716 743 257 682 450 556 649 399 092 617 525 438 586 779 571 557 119 660 528 508 134 500 908 801 474 284 809 448 597 298 423 804 842 399 889 567 376 826 586 354 590 910 333 157 877 312 503 469 292 604 542 273 438 975 254 985 767 237 225 062 220 138 086 203 707 067 187 934 652 172 827 913 158 393 185
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
66
Interest Rate:
9.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
41 248 055 37 156 927 33 401 547 29 955 658 26 795 350 23 898 874 21 246 471 18 820 209 16 603 828 14 582 592 12 743 151 11 073 396 9 562 320 8 199 883 6 976 864 5 884 721 4 915 448 4 061 426 3 315 284 2 669 769 2 117 621 1 651 486 1 263 842 946 978 693 011 493 960 341 860 228 932 147 769 91 537 54 156 30 435 16 149 8 035 3 721 1 590 621 219 69 19
341 203 784 299 955 729 262 798 802 229 397 255 199 441 596 172 646 247 148 747 373 127 500 901 108 680 692 92 076 864 77 494 272 64 751 121 53 677 725 44 115 405 35 915 522 28 938 659 23 053 937 18 138 489 14 077 063 10 761 778 8 092 010 5 974 389 4 322 903 3 059 060 2 112 082 1 419 071 925 111 583 252 354 320 206 552 115 015 60 859 30 424 14 276 6 240 2 519 929 308 89 19
2 380 652 642 2 039 448 858 1 739 493 129 1 476 694 327 1 247 297 072 1 047 855 476 875 209 229 726 461 856 598 960 955 490 280 263 398 203 399 320 709 127 255 958 006 202 280 281 158 164 876 122 249 354 93 310 695 70 256 758 52 118 269 38 041 206 27 279 428 19 187 418 13 213 030 8 890 127 5 831 067 3 718 984 2 299 913 1 374 802 791 550 437 230 230 678 115 664 54 805 24 381 10 105 3 864 1 345 416 108 19
685 325 687 377 687 963 686 905 684 016 679 101 671 966 662 419 650 277 635 374 617 569 596 758 572 888 545 965 516 071 483 379 448 160 410 795 371 777 331 708 291 286 251 283 212 510 175 776 141 831 111 314 84 701 62 260 44 031 29 823 19 249 11 773 6 780 3 651 1 824 838 350 132 44 13
13 075 260 12 389 936 11 702 559 11 014 596 10 327 690 9 643 675 8 964 574 8 292 607 7 630 188 6 979 911 6 344 537 5 726 968 5 130 210 4 557 322 4 011 357 3 495 286 3 011 908 2 563 748 2 152 953 1 781 177 1 449 469 1 158 183 906 901 694 390 518 615 376 784 265 470 180 768 118 508 74 478 44 654 25 405 13 632 6 852 3 201 1 377 540 189 57 13
144 635 948 131 560 687 119 170 752 107 468 193 96 453 597 86 125 907 76 482 232 67 517 658 59 225 051 51 594 863 44 614 952 38 270 415 32 543 447 27 413 238 22 855 916 18 844 559 15 349 272 12 337 365 9 773 617 7 620 663 5 839 487 4 390 018 3 231 835 2 324 934 1 630 544 1 111 929 735 145 469 675 288 907 170 399 95 921 51 267 25 862 12 230 5 378 2 177 799 260 70 13
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
67
Interest Rate:
10.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
1 486 436 280 1 347 536 974 1 221 262 575 1 106 543 811 1 002 397 756 907 920 089 822 278 342 744 703 181 674 474 356 610 919 467 553 414 911 501 385 610 454 303 841 411 687 399 373 097 313 338 135 278 306 442 067 277 698 366 251 620 607 227 956 154 206 479 226 186 987 433 169 298 840 153 249 453 138 691 090 125 489 376 113 504 957 102 631 471 92 767 647 83 821 151 75 707 851 68 351 135 61 681 279 55 634 863 50 154 239 45 187 058 40 685 803 36 595 756 32 876 926 29 496 037 26 422 898
15 701 231 941 14 214 795 661 12 867 258 687 11 645 996 112 10 539 452 302 9 537 054 546 8 629 134 457 7 806 856 115 7 062 152 934 6 387 678 578 5 776 759 111 5 223 344 200 4 721 958 591 4 267 654 750 3 855 967 351 3 482 870 038 3 144 734 760 2 838 292 693 2 560 594 327 2 308 973 720 2 081 017 566 1 874 538 341 1 687 550 907 1 518 252 068 1 365 002 615 1 226 311 525 1 100 822 149 987 317 193 884 685 722 791 918 075 708 096 924 632 389 073 564 037 938 502 356 659 446 721 797 396 567 558 351 380 500 310 694 697 274 098 941 241 222 015 211 725 978
161 974 873 565 146 273 641 624 132 058 845 963 119 191 587 276 107 545 591 164 97 006 138 862 87 469 084 316 78 839 949 859 71 033 093 744 63 970 940 810 57 583 262 232 51 806 503 121 46 583 158 921 41 861 200 330 37 593 545 580 33 737 578 230 30 254 708 192 27 109 973 432 24 271 680 739 21 711 086 412 19 402 112 692 17 321 095 126 15 446 556 785 13 759 005 878 12 240 753 811 10 875 751 196 9 649 439 671 8 548 617 521 7 561 300 329 6 676 614 607 5 884 696 532 5 176 599 608 4 544 210 535 3 980 172 597 3 477 815 938 3 031 094 141 2 634 526 583 2 283 146 084 1 972 451 387 1 698 352 446 1 457 130 431
3 768 736 3 771 038 3 694 894 3 551 163 3 350 598 3 103 557 2 822 585 2 528 536 2 239 038 1 966 423 1 718 855 1 501 259 1 316 093 1 163 958 1 044 098 953 640 885 331 832 453 789 852 753 641 720 954 689 736 658 583 626 594 593 433 576 294 554 854 533 690 513 073 493 196 474 185 456 116 439 027 422 909 407 704 393 341 391 337 391 944 392 078 391 680 390 690
59 051 556 55 282 821 51 511 783 47 816 890 44 265 726 40 915 128 37 811 571 34 988 987 32 460 451 30 221 413 28 254 990 26 536 135 25 034 876 23 718 783 22 554 825 21 510 727 20 557 087 19 671 756 18 839 302 18 049 450 17 295 809 16 574 855 15 885 119 15 226 536 14 599 941 14 006 508 13 430 214 12 875 360 12 341 670 11 828 597 11 335 402 10 861 217 10 405 101 9 966 074 9 543 164 9 135 460 8 742 119 8 350 782 7 958 838 7 566 761 7 175 080
976 243 285 917 191 728 861 908 908 810 397 124 762 580 235 718 314 508 677 399 380 639 587 809 604 598 822 572 138 371 541 916 958 513 661 968 487 125 833 462 090 957 438 372 174 415 817 349 394 306 622 373 749 535 354 077 779 335 238 477 317 189 026 299 893 218 283 318 363 267 433 244 252 206 708 237 606 767 223 600 259 210 170 045 197 294 685 184 953 014 173 124 417 161 789 016 150 927 798 140 522 698 130 556 624 121 013 460 111 877 999 103 135 880 94 785 098 86 826 260 79 259 500
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
68
Interest Rate:
10.0% MONETARY FUNCTIONS JOINT LIVES x = males, y = females
Age(xy)
D xy
N xy
S xy
C xy
M xy
R xy
Age(xy)
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
23 630 127 21 092 895 18 788 703 16 697 171 14 799 848 13 080 040 11 522 647 10 114 018 8 841 813 7 694 876 6 663 119 5 737 403 4 909 436 4 171 668 3 517 193 2 939 650 2 433 138 1 992 122 1 611 358 1 285 815 1 010 618 780 994 592 242 439 724 318 871 225 216 154 451 102 490 65 553 40 238 23 590 13 136 6 907 3 406 1 563 662 256 90 28 8
185 303 080 161 672 954 140 580 059 121 791 356 105 094 186 90 294 338 77 214 297 65 691 650 55 577 632 46 735 819 39 040 943 32 377 825 26 640 422 21 730 986 17 559 317 14 042 125 11 102 474 8 669 336 6 677 214 5 065 856 3 780 041 2 769 423 1 988 429 1 396 187 956 463 637 592 412 376 257 926 155 436 89 883 49 644 26 055 12 918 6 012 2 606 1 043 382 125 36 8
1 245 404 453 1 060 101 373 898 428 419 757 848 360 636 057 004 530 962 818 440 668 481 363 454 183 297 762 533 242 184 902 195 449 082 156 408 139 124 030 314 97 389 892 75 658 906 58 099 589 44 057 464 32 954 990 24 285 654 17 608 440 12 542 584 8 762 543 5 993 120 4 004 691 2 608 504 1 652 042 1 014 449 602 073 344 148 188 712 98 829 49 185 23 130 10 212 4 200 1 594 551 169 44 8
389 039 386 656 383 468 379 398 374 367 368 298 361 116 352 749 343 135 332 223 319 978 306 385 291 455 275 233 257 798 239 272 219 821 199 662 179 055 158 305 137 750 117 752 98 678 80 879 64 666 50 291 37 920 27 620 19 355 12 991 8 309 5 035 2 873 1 533 759 345 143 53 18 5
6 784 390 6 395 352 6 008 695 5 625 227 5 245 829 4 871 462 4 503 164 4 142 048 3 789 299 3 446 163 3 113 940 2 793 962 2 487 578 2 196 122 1 920 890 1 663 092 1 423 820 1 203 999 1 004 337 825 281 666 976 529 226 411 474 312 796 231 918 167 251 116 960 79 040 51 420 32 065 19 075 10 766 5 731 2 857 1 324 565 220 76 23 5
72 084 419 65 300 029 58 904 678 52 895 982 47 270 755 42 024 925 37 153 463 32 650 299 28 508 251 24 718 953 21 272 789 18 158 849 15 364 887 12 877 309 10 681 187 8 760 297 7 097 206 5 673 385 4 469 387 3 465 050 2 639 769 1 972 793 1 443 566 1 032 092 719 296 487 379 320 128 203 167 124 127 72 707 40 641 21 567 10 801 5 070 2 213 889 324 105 28 5
61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100
69
Interest Rate: 0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n Term Age
5
15
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.985 4.984 4.982 4.981 4.981
9.925 9.920 9.917 9.914 9.913
14.818 14.810 14.805 14.802 14.801
19.665 19.655 19.647 19.641 19.637
24.460 24.443 24.429 24.418 24.409
29.187 29.162 29.140 29.121 29.104
33.837 33.802 33.770 33.741 33.714
38.399 38.347 38.298 38.249 38.199
42.822 42.738 42.653 42.564 42.469
47.007 46.863 46.712 46.550 46.374
20 21 22 23 24
25 26 27 28 29
4.980 4.980 4.980 4.981 4.981
9.913 9.914 9.915 9.916 9.917
14.800 14.801 14.802 14.802 14.801
19.634 19.632 19.629 19.625 19.620
24.400 24.392 24.384 24.374 24.362
29.088 29.073 29.057 29.039 29.017
33.687 33.659 33.627 33.590 33.547
38.147 38.089 38.023 37.947 37.859
42.365 42.250 42.120 41.972 41.803
46.181 45.967 45.728 45.460 45.160
25 26 27 28 29
30 31 32 33 34
4.982 4.982 4.982 4.982 4.982
9.918 9.917 9.916 9.914 9.911
14.799 14.796 14.790 14.783 14.775
19.613 19.603 19.591 19.577 19.561
24.347 24.330 24.309 24.286 24.259
28.991 28.960 28.924 28.881 28.831
33.495 33.434 33.362 33.279 33.183
37.756 37.637 37.499 37.342 37.164
41.609 41.390 41.142 40.863 40.552
44.825 44.451 44.038 43.584 43.088
30 31 32 33 34
35 36 37 38 39
4.981 4.980 4.979 4.978 4.977
9.907 9.903 9.898 9.892 9.887
14.765 14.754 14.742 14.731 14.719
19.543 19.524 19.504 19.483 19.462
24.229 24.196 24.160 24.121 24.078
28.774 28.711 28.639 28.560 28.472
33.074 32.951 32.814 32.661 32.491
36.963 36.739 36.490 36.215 35.912
40.207 39.828 39.413 38.961 38.471
42.549 41.969 41.349 40.690 39.994
35 36 37 38 39
40 41 42 43 44
4.976 4.974 4.973 4.972 4.971
9.882 9.876 9.871 9.867 9.862
14.707 14.696 14.685 14.675 14.664
19.441 19.418 19.394 19.367 19.337
24.031 23.980 23.922 23.858 23.785
28.374 28.265 28.143 28.007 27.853
32.302 32.092 31.860 31.602 31.317
35.579 35.214 34.815 34.381 33.908
37.944 37.378 36.773 36.130 35.450
39.264 38.502 37.712 36.898 36.062
40 41 42 43 44
45 46 47 48 49
4.970 4.969 4.968 4.967 4.966
9.858 9.854 9.850 9.846 9.842
14.653 14.640 14.625 14.608 14.586
19.303 19.264 19.218 19.165 19.102
23.702 23.608 23.499 23.375 23.233
27.681 27.487 27.269 27.024 26.749
31.001 30.651 30.266 29.843 29.380
33.397 32.845 32.252 31.618 30.945
34.734 33.984 33.204 32.397 31.567
35.209 34.343 33.466 32.581 31.690
45 46 47 48 49
50 51 52 53 54
4.965 4.965 4.964 4.963 4.961
9.836 9.829 9.819 9.805 9.788
14.560 14.527 14.488 14.440 14.383
19.028 18.941 18.840 18.723 18.586
23.070 22.884 22.673 22.434 22.164
26.442 26.099 25.720 25.301 24.841
28.875 28.328 27.739 27.107 26.433
30.233 29.487 28.707 27.899 27.066
30.717 29.851 28.973 28.086 27.192
30.796
50 51 52 53 54
55 56 57 58 59
4.958 4.953 4.947 4.940 4.933
9.766 9.738 9.705 9.669 9.629
14.314 14.233 14.140 14.038 13.924
18.428 18.247 18.046 17.824 17.580
21.861 21.522 21.151 20.749 20.316
24.338 23.791 23.208 22.591 21.943
25.720 24.971 24.195 23.400 22.590
26.212 25.342 24.466 23.590 22.718
26.293
10
55 56 57 58 59
70
Interest Rate: 0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n Term Age
5
60 61 62 63 64
4.925 4.915 4.905 4.893 4.880
65 66 67 68 69
10
15
20
25
30
35
40
9.583 9.533 9.476 9.413 9.343
13.797 13.657 13.502 13.330 13.142
17.312 17.020 16.702 16.357 15.985
19.850 19.352 18.823 18.263 17.676
21.266 20.563 19.840 19.100 18.348
21.770 20.944 20.119 19.297 18.482
21.853
4.865 4.848 4.829 4.808 4.785
9.265 9.178 9.082 8.976 8.858
12.936 12.710 12.463 12.196 11.906
15.585 15.158 14.703 14.223 13.719
17.064 16.430 15.778 15.113 14.440
17.590 16.830 16.073 15.322 14.583
17.676
70 71 72 73 74
4.759 4.730 4.697 4.661 4.621
8.729 8.587 8.432 8.263 8.079
11.595 11.261 10.906 10.531 10.135
13.194 12.651 12.094 11.526 10.953
13.763 13.088 12.419 11.760 11.115
13.857
75 76 77 78 79
4.576 4.527 4.473 4.412 4.346
7.880 7.665 7.435 7.190 6.931
9.723 9.296 8.857 8.410 7.959
10.379 9.809 9.247 8.697 8.163
10.487
80 81 82 83 84
4.273 4.194 4.108 4.014 3.912
6.658 6.373 6.078 5.776 5.467
7.507 7.059 6.619 6.190 5.776
7.647
85 86 87 88 89
3.803 3.687 3.563 3.432 3.295
5.156 4.846 4.540 4.240 3.950
5.379
90 91 92 93 94 95
3.153 3.006 2.856 2.705 2.553 2.404
3.672
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
71
Interest Rate: 1.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n Term Age
5
15
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.888 4.886 4.885 4.884 4.883
9.496 9.491 9.488 9.485 9.484
13.838 13.831 13.827 13.824 13.822
17.932 17.923 17.915 17.910 17.907
21.785 21.770 21.758 21.749 21.741
25.399 25.378 25.360 25.344 25.331
28.781 28.753 28.728 28.705 28.684
31.938 31.899 31.862 31.825 31.789
34.852 34.791 34.730 34.667 34.601
37.474 37.376 37.274 37.166 37.049
20 21 22 23 24
25 26 27 28 29
4.883 4.883 4.883 4.883 4.884
9.484 9.485 9.486 9.487 9.488
13.822 13.823 13.823 13.824 13.823
17.904 17.902 17.900 17.897 17.893
21.734 21.728 21.721 21.713 21.703
25.318 25.306 25.293 25.279 25.262
28.663 28.642 28.618 28.590 28.557
31.750 31.708 31.661 31.606 31.542
34.529 34.450 34.360 34.258 34.140
36.921 36.780 36.622 36.445 36.246
25 26 27 28 29
30 31 32 33 34
4.884 4.884 4.885 4.885 4.884
9.489 9.488 9.487 9.486 9.483
13.821 13.818 13.814 13.807 13.800
17.886 17.878 17.868 17.856 17.841
21.691 21.676 21.659 21.639 21.617
25.241 25.217 25.187 25.153 25.112
28.518 28.471 28.416 28.352 28.279
31.467 31.381 31.280 31.165 31.035
34.006 33.854 33.681 33.486 33.268
36.023 35.774 35.498 35.193 34.859
30 31 32 33 34
35 36 37 38 39
4.884 4.883 4.882 4.881 4.879
9.479 9.475 9.470 9.465 9.460
13.791 13.781 13.770 13.759 13.749
17.826 17.809 17.791 17.773 17.755
21.592 21.564 21.533 21.500 21.464
25.067 25.015 24.958 24.894 24.824
28.195 28.101 27.995 27.878 27.748
30.888 30.724 30.541 30.340 30.118
33.026 32.760 32.468 32.151 31.806
34.496 34.104 33.684 33.236 32.763
35 36 37 38 39
40 41 42 43 44
4.878 4.877 4.876 4.875 4.874
9.455 9.450 9.445 9.441 9.437
13.738 13.728 13.718 13.709 13.699
17.736 17.716 17.695 17.671 17.646
21.425 21.382 21.334 21.281 21.220
24.746 24.659 24.562 24.454 24.332
27.604 27.444 27.267 27.071 26.853
29.874 29.607 29.315 28.996 28.650
31.434 31.035 30.607 30.151 29.667
32.264 31.742 31.198 30.634 30.053
40 41 42 43 44
45 46 47 48 49
4.873 4.872 4.871 4.870 4.869
9.433 9.429 9.426 9.422 9.418
13.689 13.677 13.664 13.648 13.629
17.616 17.583 17.543 17.497 17.443
21.152 21.074 20.984 20.882 20.764
24.195 24.041 23.868 23.673 23.454
26.612 26.345 26.051 25.726 25.371
28.273 27.866 27.428 26.958 26.457
29.156 28.619 28.058 27.473 26.868
29.456 28.845 28.222 27.589 26.946
45 46 47 48 49
50 51 52 53 54
4.868 4.868 4.867 4.866 4.864
9.412 9.405 9.396 9.384 9.368
13.605 13.576 13.541 13.498 13.447
17.380 17.305 17.218 17.116 16.998
20.629 20.475 20.299 20.100 19.875
23.209 22.935 22.631 22.295 21.924
24.982 24.560 24.103 23.612 23.086
25.925 25.364 24.776 24.162 23.526
26.245 25.606 24.952 24.286 23.609
26.295
50 51 52 53 54
55 56 57 58 59
4.861 4.856 4.851 4.844 4.837
9.347 9.320 9.290 9.256 9.218
13.385 13.311 13.228 13.135 13.032
16.861 16.703 16.528 16.335 16.122
19.621 19.337 19.026 18.688 18.324
21.518 21.076 20.602 20.100 19.571
22.527 21.936 21.323 20.691 20.044
22.869 22.195 21.511 20.823 20.133
22.923
10
55 56 57 58 59
72
Interest Rate: 1.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n Term Age
5
60 61 62 63 64
4.829 4.820 4.809 4.798 4.785
65 66 67 68 69
10
15
20
25
30
35
40
9.176 9.128 9.075 9.016 8.950
12.918 12.791 12.650 12.496 12.325
15.889 15.634 15.357 15.055 14.730
17.931 17.511 17.064 16.590 16.092
19.017 18.441 17.845 17.233 16.608
19.386 18.719 18.049 17.377 16.706
19.443
4.771 4.754 4.736 4.716 4.693
8.877 8.796 8.706 8.606 8.496
12.138 11.934 11.710 11.468 11.206
14.380 14.005 13.606 13.184 12.741
15.571 15.031 14.473 13.902 13.322
15.976 15.338 14.700 14.064 13.433
16.039
70 71 72 73 74
4.668 4.640 4.608 4.573 4.534
8.375 8.242 8.096 7.937 7.765
10.923 10.620 10.297 9.955 9.595
12.277 11.797 11.304 10.799 10.289
12.737 12.151 11.567 10.989 10.420
12.809
75 76 77 78 79
4.491 4.443 4.390 4.332 4.267
7.578 7.376 7.160 6.929 6.685
9.219 8.828 8.427 8.017 7.602
9.776 9.264 8.758 8.261 7.775
9.863
80 81 82 83 84
4.197 4.120 4.036 3.945 3.846
6.428 6.160 5.881 5.595 5.304
7.185 6.772 6.364 5.966 5.580
7.305
85 86 87 88 89
3.740 3.627 3.506 3.379 3.246
5.009 4.715 4.424 4.138 3.862
5.209
90 91 92 93 94 95
3.107 2.965 2.819 2.671 2.524 2.378
3.596
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
73
Interest Rate: 2.0%
INDIVIDUAL LIVES - MALE
ax:n Term Age
5
15
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.794 4.792 4.791 4.790 4.789
9.096 9.092 9.089 9.087 9.085
12.956 12.950 12.945 12.942 12.941
16.420 16.411 16.404 16.400 16.397
19.522 19.510 19.500 19.491 19.485
22.293 22.276 22.261 22.248 22.237
24.762 24.739 24.719 24.701 24.685
26.956 26.925 26.896 26.869 26.842
28.883 28.838 28.794 28.749 28.702
30.534 30.466 30.396 30.322 30.244
20 21 22 23 24
25 26 27 28 29
4.789 4.789 4.789 4.790 4.790
9.085 9.086 9.087 9.088 9.089
12.941 12.941 12.942 12.942 12.942
16.395 16.393 16.391 16.389 16.385
19.479 19.474 19.468 19.462 19.454
22.227 22.218 22.208 22.196 22.183
24.669 24.652 24.634 24.613 24.588
26.814 26.783 26.749 26.709 26.662
28.652 28.597 28.534 28.463 28.381
30.159 30.064 29.959 29.841 29.708
25 26 27 28 29
30 31 32 33 34
4.790 4.791 4.791 4.791 4.790
9.089 9.089 9.088 9.087 9.084
12.940 12.938 12.933 12.928 12.921
16.380 16.373 16.364 16.353 16.341
19.444 19.432 19.417 19.401 19.381
22.166 22.146 22.123 22.094 22.062
24.558 24.522 24.480 24.430 24.373
26.608 26.544 26.470 26.385 26.289
28.288 28.180 28.059 27.921 27.767
29.558 29.390 29.204 28.997 28.770
30 31 32 33 34
35 36 37 38 39
4.790 4.789 4.788 4.787 4.786
9.081 9.077 9.072 9.067 9.063
12.913 12.904 12.894 12.884 12.875
16.327 16.312 16.296 16.280 16.264
19.360 19.336 19.310 19.282 19.252
22.025 21.983 21.936 21.885 21.828
24.308 24.235 24.154 24.064 23.964
26.180 26.059 25.924 25.775 25.611
27.596 27.407 27.200 26.974 26.729
28.522 28.255 27.967 27.659 27.333
35 36 37 38 39
40 41 42 43 44
4.785 4.783 4.782 4.781 4.780
9.058 9.053 9.049 9.045 9.041
12.865 12.856 12.847 12.838 12.829
16.247 16.230 16.211 16.191 16.169
19.219 19.183 19.143 19.098 19.048
21.765 21.696 21.618 21.532 21.435
23.853 23.730 23.594 23.444 23.277
25.431 25.234 25.018 24.783 24.526
26.465 26.180 25.875 25.548 25.201
26.989 26.627 26.248 25.854 25.445
40 41 42 43 44
45 46 47 48 49
4.779 4.778 4.778 4.777 4.776
9.037 9.034 9.030 9.027 9.023
12.820 12.810 12.798 12.783 12.766
16.143 16.114 16.080 16.041 15.994
18.992 18.927 18.853 18.767 18.669
21.326 21.203 21.065 20.909 20.734
23.092 22.887 22.660 22.410 22.135
24.247 23.945 23.619 23.267 22.891
24.833 24.445 24.037 23.610 23.165
25.023 24.588 24.141 23.683 23.214
45 46 47 48 49
50 51 52 53 54
4.775 4.774 4.774 4.773 4.771
9.018 9.011 9.003 8.991 8.976
12.745 12.719 12.687 12.649 12.603
15.939 15.875 15.799 15.711 15.608
18.557 18.429 18.282 18.116 17.927
20.537 20.317 20.073 19.801 19.501
21.834 21.505 21.149 20.764 20.351
22.491 22.066 21.618 21.148 20.658
22.703 22.226 21.735 21.231 20.714
22.735
50 51 52 53 54
55 56 57 58 59
4.768 4.763 4.758 4.752 4.745
8.957 8.932 8.904 8.872 8.836
12.547 12.480 12.405 12.321 12.227
15.489 15.352 15.198 15.030 14.844
17.714 17.475 17.213 16.928 16.620
19.171 18.810 18.423 18.013 17.578
19.909 19.441 18.951 18.445 17.925
20.148 19.621 19.083 18.538 17.988
20.184
10
55 56 57 58 59
74
Interest Rate: 2.0%
INDIVIDUAL LIVES - MALE
ax:n Term Age
5
60 61 62 63 64
4.737 4.728 4.718 4.707 4.694
65 66 67 68 69
10
15
20
25
30
35
40
8.796 8.752 8.702 8.647 8.585
12.124 12.009 11.882 11.741 11.587
14.640 14.417 14.174 13.910 13.624
16.287 15.932 15.552 15.149 14.724
17.122 16.647 16.153 15.644 15.122
17.393 16.851 16.303 15.750 15.194
17.433
4.680 4.665 4.647 4.627 4.605
8.516 8.440 8.356 8.262 8.159
11.417 11.232 11.029 10.809 10.570
13.317 12.987 12.636 12.264 11.873
14.279 13.816 13.337 12.845 12.343
14.591 14.054 13.512 12.970 12.429
14.638
70 71 72 73 74
4.581 4.553 4.523 4.489 4.451
8.045 7.920 7.783 7.634 7.471
10.313 10.037 9.743 9.431 9.103
11.463 11.037 10.598 10.149 9.692
11.835 11.323 10.811 10.302 9.799
11.891
75 76 77 78 79
4.409 4.362 4.311 4.254 4.192
7.295 7.106 6.902 6.685 6.455
8.758 8.401 8.032 7.656 7.273
9.232 8.772 8.315 7.864 7.422
9.303
80 81 82 83 84
4.123 4.048 3.967 3.878 3.782
6.213 5.959 5.696 5.426 5.150
6.889 6.507 6.128 5.758 5.397
6.991
85 86 87 88 89
3.679 3.569 3.452 3.328 3.199
4.870 4.591 4.314 4.042 3.778
5.049
90 91 92 93 94 95
3.064 2.925 2.783 2.639 2.495 2.353
3.524
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
75
Interest Rate: 3.0%
INDIVIDUAL LIVES - MALE
ax:n Term Age
5
15
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.704 4.702 4.701 4.700 4.699
8.724 8.720 8.717 8.715 8.714
12.159 12.153 12.149 12.146 12.145
15.095 15.087 15.081 15.077 15.074
17.600 17.589 17.580 17.573 17.567
19.730 19.715 19.703 19.692 19.683
21.538 21.519 21.503 21.488 21.475
23.068 23.043 23.021 23.000 22.980
24.348 24.314 24.282 24.249 24.216
25.392 25.344 25.295 25.245 25.191
20 21 22 23 24
25 26 27 28 29
4.699 4.699 4.699 4.699 4.700
8.714 8.714 8.715 8.716 8.717
12.145 12.146 12.146 12.146 12.146
15.073 15.071 15.070 15.068 15.065
17.563 17.558 17.554 17.549 17.542
19.675 19.668 19.660 19.651 19.640
21.463 21.451 21.437 21.421 21.402
22.959 22.937 22.912 22.882 22.848
24.180 24.142 24.098 24.048 23.991
25.134 25.070 25.000 24.920 24.830
25 26 27 28 29
30 31 32 33 34
4.700 4.701 4.701 4.701 4.700
8.718 8.717 8.717 8.715 8.713
12.145 12.143 12.139 12.134 12.127
15.060 15.054 15.046 15.037 15.026
17.534 17.524 17.512 17.497 17.481
19.627 19.611 19.591 19.568 19.542
21.378 21.351 21.318 21.279 21.235
22.808 22.761 22.706 22.643 22.571
23.924 23.848 23.762 23.664 23.553
24.729 24.615 24.487 24.345 24.189
30 31 32 33 34
35 36 37 38 39
4.700 4.699 4.698 4.697 4.696
8.709 8.706 8.701 8.697 8.693
12.120 12.112 12.103 12.094 12.085
15.014 15.001 14.987 14.973 14.958
17.462 17.442 17.420 17.396 17.370
19.511 19.477 19.439 19.398 19.352
21.184 21.127 21.064 20.993 20.916
22.490 22.399 22.299 22.188 22.066
23.431 23.295 23.147 22.985 22.809
24.018 23.833 23.633 23.420 23.192
35 36 37 38 39
40 41 42 43 44
4.695 4.694 4.692 4.691 4.690
8.688 8.684 8.679 8.676 8.672
12.076 12.068 12.060 12.052 12.044
14.943 14.928 14.912 14.894 14.875
17.342 17.312 17.279 17.241 17.200
19.301 19.245 19.182 19.113 19.035
20.830 20.735 20.630 20.514 20.385
21.932 21.785 21.624 21.449 21.258
22.619 22.414 22.194 21.959 21.707
22.951 22.698 22.431 22.153 21.862
40 41 42 43 44
45 46 47 48 49
4.689 4.689 4.688 4.687 4.686
8.668 8.665 8.662 8.659 8.655
12.035 12.026 12.015 12.002 11.987
14.853 14.827 14.798 14.764 14.723
17.152 17.098 17.037 16.966 16.884
18.948 18.850 18.739 18.613 18.472
20.242 20.083 19.908 19.714 19.500
21.049 20.823 20.578 20.313 20.029
21.440 21.156 20.856 20.541 20.211
21.560 21.247 20.923 20.588 20.243
45 46 47 48 49
50 51 52 53 54
4.685 4.685 4.684 4.683 4.681
8.650 8.644 8.636 8.625 8.611
11.968 11.944 11.916 11.881 11.840
14.676 14.620 14.554 14.478 14.388
16.790 16.683 16.560 16.420 16.262
18.314 18.136 17.938 17.718 17.473
19.265 19.008 18.728 18.425 18.097
19.724 19.400 19.056 18.694 18.313
19.866 19.507 19.135 18.749 18.350
19.887
50 51 52 53 54
55 56 57 58 59
4.679 4.674 4.669 4.663 4.656
8.593 8.570 8.543 8.514 8.480
11.789 11.729 11.660 11.584 11.499
14.284 14.164 14.030 13.882 13.719
16.082 15.880 15.658 15.416 15.154
17.204 16.908 16.590 16.252 15.894
17.746 17.371 16.978 16.570 16.149
17.914 17.498 17.071 16.636 16.193
17.938
10
55 56 57 58 59
76
Interest Rate: 3.0%
INDIVIDUAL LIVES - MALE
ax:n Term Age
5
60 61 62 63 64
4.648 4.640 4.630 4.619 4.607
65 66 67 68 69
10
15
20
25
30
35
40
8.443 8.401 8.354 8.302 8.244
11.405 11.301 11.186 11.058 10.918
13.540 13.344 13.131 12.899 12.647
14.872 14.569 14.246 13.901 13.538
15.516 15.121 14.709 14.283 13.845
15.715 15.272 14.820 14.362 13.898
15.744
4.593 4.578 4.561 4.542 4.521
8.180 8.108 8.029 7.941 7.844
10.764 10.595 10.411 10.210 9.993
12.377 12.086 11.776 11.447 11.100
13.156 12.757 12.344 11.918 11.482
13.397 12.941 12.479 12.014 11.548
13.431
70 71 72 73 74
4.497 4.470 4.440 4.407 4.371
7.737 7.619 7.491 7.350 7.197
9.759 9.507 9.239 8.954 8.653
10.736 10.357 9.966 9.564 9.155
11.038 10.590 10.139 9.689 9.242
11.081
75 76 77 78 79
4.330 4.285 4.235 4.179 4.119
7.032 6.853 6.661 6.457 6.240
8.338 8.010 7.671 7.324 6.971
8.741 8.326 7.912 7.501 7.098
8.799
80 81 82 83 84
4.052 3.979 3.900 3.814 3.721
6.011 5.771 5.523 5.266 5.005
6.616 6.261 5.909 5.564 5.227
6.703
85 86 87 88 89
3.621 3.514 3.400 3.279 3.153
4.740 4.474 4.211 3.951 3.699
4.900
90 91 92 93 94 95
3.022 2.886 2.748 2.608 2.468 2.329
3.456
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
77
Interest Rate: 4.0%
INDIVIDUAL LIVES - MALE
ax:n Term Age
5
15
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.617 4.615 4.614 4.613 4.613
8.377 8.373 8.370 8.368 8.367
11.438 11.433 11.429 11.426 11.425
13.931 13.924 13.919 13.915 13.912
15.958 15.948 15.940 15.934 15.929
17.600 17.587 17.577 17.568 17.561
18.928 18.912 18.899 18.887 18.877
19.999 19.979 19.962 19.946 19.930
20.852 20.827 20.803 20.779 20.755
21.516 21.482 21.447 21.412 21.375
20 21 22 23 24
25 26 27 28 29
4.612 4.612 4.612 4.613 4.613
8.367 8.368 8.368 8.369 8.370
11.425 11.425 11.426 11.426 11.426
13.911 13.910 13.909 13.907 13.904
15.925 15.922 15.918 15.914 15.909
17.554 17.548 17.542 17.535 17.526
18.868 18.858 18.847 18.835 18.820
19.915 19.898 19.880 19.858 19.833
20.729 20.702 20.671 20.636 20.595
21.336 21.293 21.245 21.191 21.129
25 26 27 28 29
30 31 32 33 34
4.614 4.614 4.614 4.614 4.614
8.371 8.371 8.370 8.368 8.366
11.425 11.423 11.420 11.415 11.409
13.901 13.895 13.889 13.880 13.871
15.902 15.893 15.883 15.871 15.857
17.516 17.503 17.487 17.468 17.446
18.802 18.781 18.755 18.725 18.690
19.803 19.768 19.727 19.680 19.625
20.548 20.494 20.431 20.361 20.281
21.060 20.981 20.893 20.794 20.685
30 31 32 33 34
35 36 37 38 39
4.613 4.612 4.611 4.610 4.609
8.363 8.360 8.356 8.352 8.347
11.402 11.395 11.387 11.379 11.371
13.860 13.848 13.836 13.823 13.810
15.841 15.824 15.805 15.784 15.762
17.421 17.393 17.362 17.327 17.290
18.650 18.605 18.555 18.500 18.439
19.564 19.496 19.420 19.337 19.245
20.192 20.094 19.986 19.869 19.741
20.566 20.436 20.296 20.146 19.985
35 36 37 38 39
40 41 42 43 44
4.608 4.607 4.606 4.605 4.604
8.343 8.339 8.335 8.331 8.328
11.363 11.355 11.347 11.340 11.333
13.797 13.784 13.769 13.754 13.737
15.738 15.713 15.684 15.653 15.618
17.249 17.203 17.153 17.097 17.034
18.372 18.298 18.217 18.126 18.026
19.144 19.034 18.913 18.782 18.638
19.603 19.454 19.294 19.122 18.938
19.815 19.635 19.445 19.246 19.037
40 41 42 43 44
45 46 47 48 49
4.603 4.602 4.601 4.601 4.600
8.324 8.321 8.318 8.315 8.312
11.325 11.317 11.307 11.295 11.281
13.718 13.696 13.670 13.641 13.606
15.579 15.534 15.482 15.423 15.354
16.964 16.884 16.795 16.694 16.580
17.915 17.792 17.655 17.503 17.335
18.481 18.310 18.125 17.924 17.707
18.742 18.533 18.311 18.076 17.829
18.819 18.591 18.354 18.106 17.849
45 46 47 48 49
50 51 52 53 54
4.599 4.598 4.598 4.597 4.595
8.307 8.302 8.294 8.284 8.271
11.264 11.243 11.218 11.186 11.149
13.564 13.516 13.459 13.392 13.313
15.276 15.186 15.083 14.965 14.831
16.451 16.307 16.146 15.966 15.766
17.151 16.949 16.727 16.486 16.226
17.474 17.224 16.958 16.676 16.377
17.569 17.296 17.011 16.713 16.402
17.582
50 51 52 53 54
55 56 57 58 59
4.593 4.588 4.583 4.577 4.570
8.254 8.232 8.207 8.179 8.148
11.103 11.048 10.986 10.917 10.840
13.222 13.117 12.999 12.869 12.726
14.678 14.506 14.318 14.112 13.889
15.545 15.301 15.038 14.758 14.460
15.944 15.642 15.324 14.993 14.648
16.062 15.731 15.389 15.039 14.679
16.078
10
55 56 57 58 59
78
Interest Rate: 4.0%
INDIVIDUAL LIVES - MALE
ax:n Term Age
5
60 61 62 63 64
4.563 4.555 4.545 4.535 4.523
65 66 67 68 69
10
15
20
25
30
35
40
8.113 8.073 8.030 7.981 7.926
10.754 10.659 10.554 10.439 10.311
12.568 12.396 12.208 12.003 11.781
13.648 13.389 13.112 12.816 12.504
14.146 13.815 13.470 13.112 12.742
14.293 13.927 13.552 13.170 12.781
14.313
4.510 4.495 4.478 4.460 4.439
7.866 7.798 7.723 7.641 7.550
10.170 10.017 9.849 9.666 9.468
11.542 11.285 11.010 10.718 10.410
12.174 11.830 11.471 11.101 10.720
12.361 11.972 11.576 11.176 10.771
12.387
70 71 72 73 74
4.416 4.390 4.361 4.329 4.293
7.449 7.338 7.217 7.085 6.941
9.254 9.024 8.778 8.517 8.241
10.086 9.748 9.398 9.038 8.670
10.331 9.937 9.539 9.140 8.740
10.365
75 76 77 78 79
4.254 4.210 4.161 4.108 4.049
6.785 6.616 6.435 6.242 6.037
7.952 7.650 7.338 7.018 6.692
8.296 7.920 7.544 7.170 6.801
8.344
80 81 82 83 84
3.984 3.913 3.836 3.752 3.662
5.821 5.594 5.359 5.116 4.868
6.363 6.033 5.706 5.383 5.067
6.438
85 86 87 88 89
3.564 3.460 3.349 3.232 3.109
4.616 4.364 4.112 3.865 3.624
4.760
90 91 92 93 94 95
2.981 2.849 2.714 2.578 2.441 2.305
3.391
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
79
Interest Rate: 5.0%
INDIVIDUAL LIVES - MALE
ax:n Term Age
5
15
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.533 4.532 4.531 4.530 4.529
8.053 8.049 8.046 8.045 8.044
10.784 10.779 10.776 10.773 10.772
12.905 12.898 12.893 12.890 12.888
14.548 14.539 14.533 14.527 14.523
15.818 15.807 15.798 15.790 15.784
16.796 16.783 16.772 16.763 16.755
17.548 17.533 17.519 17.506 17.494
18.120 18.100 18.082 18.064 18.046
18.544 18.518 18.493 18.468 18.443
20 21 22 23 24
25 26 27 28 29
4.529 4.529 4.529 4.529 4.530
8.043 8.044 8.045 8.046 8.046
10.772 10.772 10.773 10.773 10.773
12.886 12.886 12.885 12.883 12.881
14.520 14.517 14.514 14.511 14.507
15.779 15.774 15.770 15.764 15.757
16.747 16.740 16.732 16.722 16.711
17.483 17.470 17.457 17.441 17.422
18.028 18.009 17.987 17.962 17.933
18.415 18.386 18.353 18.316 18.274
25 26 27 28 29
30 31 32 33 34
4.530 4.530 4.530 4.530 4.530
8.047 8.047 8.046 8.045 8.043
10.772 10.770 10.767 10.763 10.758
12.878 12.874 12.868 12.860 12.852
14.501 14.494 14.485 14.475 14.462
15.748 15.738 15.725 15.709 15.691
16.697 16.680 16.659 16.635 16.607
17.400 17.373 17.342 17.306 17.265
17.899 17.860 17.814 17.763 17.705
18.226 18.171 18.109 18.040 17.963
30 31 32 33 34
35 36 37 38 39
4.530 4.529 4.528 4.527 4.526
8.040 8.036 8.033 8.029 8.025
10.752 10.745 10.738 10.730 10.723
12.842 12.832 12.821 12.810 12.798
14.449 14.434 14.417 14.400 14.381
15.670 15.647 15.621 15.593 15.562
16.576 16.540 16.501 16.457 16.409
17.218 17.166 17.109 17.045 16.976
17.639 17.567 17.488 17.402 17.309
17.878 17.786 17.686 17.579 17.465
35 36 37 38 39
40 41 42 43 44
4.525 4.524 4.523 4.522 4.521
8.021 8.017 8.013 8.010 8.006
10.715 10.708 10.701 10.695 10.688
12.786 12.774 12.761 12.748 12.733
14.361 14.339 14.315 14.288 14.259
15.528 15.491 15.450 15.405 15.354
16.357 16.298 16.234 16.164 16.085
16.899 16.816 16.724 16.625 16.516
17.207 17.098 16.980 16.853 16.717
17.343 17.214 17.077 16.933 16.781
40 41 42 43 44
45 46 47 48 49
4.520 4.519 4.518 4.517 4.517
8.003 8.000 7.998 7.995 7.991
10.681 10.673 10.664 10.654 10.641
12.716 12.697 12.675 12.649 12.619
14.226 14.188 14.145 14.095 14.037
15.297 15.233 15.160 15.078 14.985
15.998 15.902 15.794 15.675 15.543
16.397 16.267 16.125 15.971 15.804
16.572 16.416 16.250 16.074 15.887
16.621 16.454 16.278 16.093 15.900
45 46 47 48 49
50 51 52 53 54
4.516 4.515 4.515 4.514 4.512
7.987 7.982 7.975 7.966 7.953
10.626 10.607 10.584 10.556 10.521
12.583 12.541 12.491 12.432 12.364
13.971 13.895 13.808 13.709 13.595
14.881 14.763 14.631 14.484 14.319
15.397 15.237 15.060 14.868 14.658
15.624 15.431 15.223 15.001 14.765
15.689 15.479 15.259 15.026 14.782
15.697
50 51 52 53 54
55 56 57 58 59
4.510 4.505 4.500 4.495 4.488
7.937 7.917 7.893 7.867 7.837
10.480 10.430 10.373 10.310 10.240
12.284 12.191 12.087 11.972 11.846
13.465 13.319 13.157 12.981 12.790
14.136 13.934 13.715 13.482 13.233
14.431 14.186 13.927 13.656 13.372
14.514 14.249 13.973 13.688 13.394
14.525
10
55 56 57 58 59
80
Interest Rate: 5.0%
INDIVIDUAL LIVES - MALE
ax:n Term Age
5
60 61 62 63 64
4.481 4.473 4.464 4.454 4.442
65 66 67 68 69
10
15
20
25
30
35
40
7.804 7.767 7.726 7.680 7.629
10.162 10.076 9.980 9.875 9.758
11.707 11.555 11.388 11.207 11.011
12.584 12.361 12.123 11.868 11.598
12.970 12.692 12.401 12.098 11.783
13.078 12.775 12.462 12.141 11.812
13.093
4.429 4.415 4.399 4.381 4.360
7.572 7.508 7.438 7.360 7.274
9.630 9.490 9.337 9.169 8.988
10.799 10.571 10.327 10.067 9.792
11.313 11.014 10.702 10.378 10.044
11.458 11.125 10.784 10.436 10.084
11.477
70 71 72 73 74
4.338 4.313 4.285 4.254 4.219
7.179 7.075 6.961 6.836 6.701
8.792 8.582 8.357 8.117 7.864
9.502 9.200 8.886 8.562 8.230
9.703 9.354 9.001 8.645 8.288
9.729
75 76 77 78 79
4.180 4.138 4.090 4.038 3.981
6.553 6.394 6.224 6.041 5.847
7.598 7.320 7.032 6.736 6.434
7.892 7.551 7.208 6.866 6.527
7.931
80 81 82 83 84
3.918 3.849 3.774 3.693 3.605
5.643 5.428 5.205 4.975 4.739
6.129 5.822 5.516 5.214 4.918
6.193
85 86 87 88 89
3.510 3.409 3.301 3.187 3.067
4.499 4.259 4.019 3.783 3.552
4.629
90 91 92 93 94 95
2.942 2.814 2.682 2.549 2.415 2.282
3.328
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
81
Interest Rate: 6.0%
INDIVIDUAL LIVES - MALE
ax:n Term Age
5
15
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.453 4.451 4.450 4.449 4.449
7.750 7.746 7.744 7.742 7.741
10.190 10.185 10.182 10.180 10.179
11.997 11.991 11.987 11.983 11.981
13.332 13.325 13.319 13.314 13.311
14.316 14.307 14.299 14.293 14.288
15.040 15.029 15.019 15.012 15.005
15.570 15.557 15.546 15.536 15.527
15.954 15.939 15.924 15.911 15.898
16.226 16.207 16.188 16.170 16.152
20 21 22 23 24
25 26 27 28 29
4.448 4.448 4.449 4.449 4.449
7.741 7.741 7.742 7.743 7.744
10.179 10.179 10.180 10.180 10.180
11.980 11.980 11.979 11.978 11.976
13.308 13.306 13.303 13.301 13.297
14.284 14.280 14.276 14.272 14.266
14.999 14.993 14.987 14.980 14.971
15.518 15.509 15.499 15.487 15.473
15.885 15.871 15.855 15.837 15.816
16.133 16.113 16.090 16.064 16.035
25 26 27 28 29
30 31 32 33 34
4.450 4.450 4.450 4.450 4.450
7.744 7.744 7.744 7.742 7.740
10.179 10.177 10.175 10.171 10.166
11.973 11.970 11.964 11.958 11.950
13.292 13.286 13.279 13.270 13.259
14.259 14.250 14.239 14.227 14.211
14.960 14.947 14.930 14.911 14.889
15.456 15.436 15.412 15.384 15.353
15.792 15.763 15.730 15.692 15.648
16.001 15.963 15.919 15.869 15.814
30 31 32 33 34
35 36 37 38 39
4.449 4.449 4.448 4.447 4.446
7.738 7.734 7.731 7.727 7.723
10.161 10.154 10.148 10.141 10.134
11.942 11.932 11.923 11.913 11.902
13.247 13.234 13.220 13.205 13.189
14.194 14.175 14.153 14.130 14.104
14.864 14.835 14.804 14.769 14.731
15.317 15.277 15.232 15.184 15.130
15.600 15.547 15.488 15.424 15.354
15.754 15.687 15.615 15.538 15.455
35 36 37 38 39
40 41 42 43 44
4.445 4.443 4.442 4.441 4.441
7.720 7.716 7.712 7.709 7.706
10.127 10.120 10.114 10.108 10.102
11.892 11.881 11.870 11.858 11.844
13.171 13.152 13.132 13.110 13.085
14.076 14.046 14.012 13.975 13.934
14.689 14.643 14.592 14.537 14.475
15.072 15.008 14.938 14.862 14.779
15.279 15.198 15.110 15.016 14.915
15.366 15.272 15.173 15.067 14.955
40 41 42 43 44
45 46 47 48 49
4.440 4.439 4.438 4.437 4.437
7.703 7.700 7.698 7.695 7.692
10.095 10.088 10.080 10.071 10.060
11.830 11.813 11.794 11.771 11.745
13.057 13.025 12.988 12.946 12.898
13.887 13.835 13.776 13.709 13.633
14.406 14.330 14.245 14.151 14.046
14.687 14.588 14.479 14.360 14.231
14.806 14.689 14.563 14.429 14.286
14.837 14.713 14.581 14.442 14.295
45 46 47 48 49
50 51 52 53 54
4.436 4.435 4.435 4.434 4.432
7.688 7.683 7.676 7.668 7.656
10.046 10.029 10.008 9.982 9.951
11.714 11.677 11.633 11.582 11.521
12.842 12.778 12.704 12.620 12.523
13.548 13.451 13.343 13.221 13.085
13.930 13.802 13.661 13.506 13.336
14.091 13.939 13.776 13.600 13.412
14.134 13.972 13.800 13.617 13.423
14.139
50 51 52 53 54
55 56 57 58 59
4.430 4.426 4.421 4.415 4.409
7.641 7.622 7.600 7.575 7.547
9.913 9.868 9.816 9.759 9.695
11.451 11.369 11.277 11.176 11.064
12.412 12.286 12.148 11.997 11.832
12.933 12.764 12.581 12.385 12.177
13.152 12.951 12.738 12.514 12.280
13.210 12.996 12.771 12.537 12.296
13.218
10
55 56 57 58 59
82
Interest Rate: 6.0%
INDIVIDUAL LIVES - MALE
ax:n Term Age
5
60 61 62 63 64
4.402 4.394 4.385 4.375 4.364
7.516 7.481 7.442 7.399 7.351
65 66 67 68 69
4.352 4.338 4.322 4.304 4.285
70 71 72 73 74
10
15
20
25
30
35
40
9.624 9.545 9.458 9.361 9.255
10.941 10.806 10.659 10.498 10.323
11.655 11.463 11.257 11.036 10.802
11.954 11.720 11.473 11.215 10.946
12.035 11.781 11.518 11.247 10.967
12.045
7.297 7.237 7.171 7.098 7.016
9.138 9.009 8.869 8.716 8.550
10.135 9.932 9.714 9.482 9.236
10.554 10.293 10.020 9.736 9.443
10.667 10.379 10.084 9.782 9.474
10.681
4.263 4.238 4.211 4.181 4.147
6.927 6.829 6.721 6.603 6.475
8.370 8.177 7.971 7.750 7.517
8.977 8.706 8.423 8.131 7.830
9.141 8.832 8.517 8.199 7.878
9.161
75 76 77 78 79
4.110 4.068 4.022 3.972 3.916
6.336 6.186 6.025 5.852 5.669
7.272 7.016 6.750 6.476 6.195
7.524 7.213 6.900 6.587 6.275
7.556
80 81 82 83 84
3.855 3.788 3.715 3.635 3.550
5.475 5.271 5.060 4.841 4.617
5.911 5.625 5.340 5.057 4.778
5.966
85 86 87 88 89
3.457 3.359 3.254 3.143 3.026
4.389 4.160 3.931 3.705 3.484
4.506
90 91 92 93 94 95
2.904 2.779 2.651 2.520 2.390 2.260
3.269
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
83
Interest Rate: 7.0%
INDIVIDUAL LIVES - MALE
ax:n Term Age
5
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.375 4.374 4.373 4.372 4.371
7.466 7.463 7.460 7.459 7.458
9.649 9.645 9.642 9.640 9.639
11.191 11.186 11.182 11.179 11.177
12.279 12.272 12.267 12.263 12.259
13.043 13.035 13.029 13.023 13.019
13.580 13.570 13.562 13.556 13.551
13.955 13.944 13.935 13.927 13.920
14.214 14.202 14.190 14.180 14.170
14.389 14.374 14.360 14.347 14.334
20 21 22 23 24
25 26 27 28 29
4.371 4.371 4.371 4.371 4.372
7.458 7.458 7.459 7.460 7.460
9.638 9.639 9.639 9.640 9.640
11.176 11.176 11.175 11.174 11.173
12.257 12.255 12.254 12.251 12.248
13.016 13.013 13.010 13.006 13.002
13.546 13.541 13.537 13.531 13.524
13.913 13.906 13.898 13.890 13.879
14.161 14.150 14.139 14.126 14.111
14.321 14.306 14.291 14.273 14.252
25 26 27 28 29
30 31 32 33 34
4.372 4.372 4.373 4.373 4.372
7.461 7.461 7.460 7.459 7.457
9.639 9.638 9.635 9.632 9.627
11.170 11.167 11.163 11.157 11.150
12.245 12.239 12.233 12.225 12.216
12.996 12.989 12.980 12.969 12.956
13.516 13.505 13.492 13.476 13.458
13.866 13.851 13.833 13.811 13.787
14.093 14.072 14.047 14.019 13.986
14.228 14.201 14.169 14.133 14.093
30 31 32 33 34
35 36 37 38 39
4.372 4.371 4.370 4.369 4.368
7.455 7.452 7.448 7.445 7.441
9.622 9.616 9.610 9.604 9.598
11.142 11.134 11.125 11.116 11.107
12.206 12.194 12.182 12.169 12.155
12.941 12.925 12.907 12.887 12.866
13.438 13.415 13.389 13.361 13.331
13.759 13.727 13.693 13.655 13.614
13.950 13.910 13.866 13.817 13.765
14.049 14.000 13.948 13.891 13.830
35 36 37 38 39
40 41 42 43 44
4.367 4.366 4.365 4.364 4.363
7.438 7.434 7.431 7.428 7.425
9.591 9.585 9.579 9.574 9.568
11.098 11.088 11.078 11.067 11.056
12.140 12.123 12.106 12.087 12.066
12.843 12.818 12.790 12.760 12.726
13.297 13.261 13.220 13.176 13.127
13.568 13.519 13.465 13.407 13.342
13.709 13.648 13.582 13.511 13.434
13.765 13.696 13.622 13.544 13.461
40 41 42 43 44
45 46 47 48 49
4.362 4.362 4.361 4.360 4.360
7.422 7.420 7.417 7.414 7.412
9.562 9.556 9.549 9.540 9.530
11.043 11.028 11.011 10.992 10.968
12.042 12.015 11.984 11.949 11.908
12.688 12.645 12.597 12.542 12.480
13.073 13.012 12.945 12.870 12.786
13.272 13.195 13.110 13.018 12.917
13.352 13.263 13.168 13.065 12.955
13.373 13.279 13.179 13.073 12.960
45 46 47 48 49
50 51 52 53 54
4.359 4.358 4.358 4.357 4.355
7.408 7.403 7.397 7.389 7.378
9.517 9.502 9.483 9.460 9.431
10.941 10.909 10.870 10.825 10.772
11.861 11.806 11.743 11.671 11.588
12.409 12.330 12.240 12.139 12.025
12.693 12.590 12.476 12.350 12.212
12.807 12.688 12.558 12.418 12.266
12.836 12.710 12.574 12.429 12.274
12.840
50 51 52 53 54
55 56 57 58 59
4.353 4.349 4.344 4.339 4.333
7.364 7.346 7.325 7.302 7.275
9.397 9.355 9.308 9.256 9.197
10.710 10.637 10.556 10.466 10.367
11.493 11.385 11.266 11.135 10.993
11.898 11.757 11.603 11.438 11.261
12.061 11.896 11.720 11.534 11.338
12.103 11.928 11.743 11.550 11.350
12.108
10
15
55 56 57 58 59
84
Interest Rate: 7.0%
INDIVIDUAL LIVES - MALE
ax:n Term Age
5
60 61 62 63 64
4.326 4.318 4.310 4.300 4.289
7.246 7.213 7.177 7.136 7.090
65 66 67 68 69
4.277 4.263 4.248 4.231 4.212
70 71 72 73 74
10
15
20
25
30
35
40
9.132 9.060 8.980 8.892 8.795
10.257 10.138 10.006 9.863 9.708
10.840 10.673 10.494 10.303 10.099
11.073 10.874 10.663 10.442 10.211
11.133 10.919 10.697 10.466 10.227
11.141
7.039 6.983 6.921 6.851 6.775
8.687 8.570 8.441 8.301 8.148
9.540 9.359 9.164 8.956 8.736
9.882 9.654 9.414 9.164 8.904
9.970 9.721 9.464 9.200 8.929
9.981
4.191 4.167 4.140 4.111 4.078
6.690 6.598 6.496 6.385 6.264
7.984 7.806 7.616 7.413 7.198
8.503 8.258 8.003 7.739 7.467
8.637 8.362 8.081 7.795 7.505
8.653
75 76 77 78 79
4.042 4.001 3.957 3.907 3.853
6.132 5.990 5.837 5.674 5.500
6.972 6.735 6.488 6.234 5.974
7.188 6.904 6.618 6.330 6.042
7.214
80 81 82 83 84
3.793 3.728 3.657 3.580 3.497
5.317 5.124 4.923 4.715 4.501
5.709 5.442 5.175 4.909 4.647
5.756
85 86 87 88 89
3.407 3.311 3.208 3.100 2.986
4.284 4.066 3.847 3.631 3.419
4.390
90 91 92 93 94 95
2.868 2.745 2.620 2.493 2.366 2.239
3.213
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
85
Interest Rate: 8.0%
INDIVIDUAL LIVES - MALE
ax:n Term Age
5
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.300 4.299 4.298 4.297 4.297
7.201 7.198 7.195 7.193 7.193
9.156 9.152 9.149 9.147 9.146
10.474 10.469 10.465 10.463 10.461
11.362 11.355 11.351 11.347 11.344
11.957 11.950 11.944 11.939 11.936
12.356 12.348 12.341 12.336 12.331
12.622 12.613 12.605 12.599 12.593
12.798 12.788 12.779 12.770 12.763
12.911 12.899 12.889 12.879 12.869
20 21 22 23 24
25 26 27 28 29
4.296 4.296 4.297 4.297 4.297
7.192 7.193 7.194 7.194 7.195
9.145 9.146 9.146 9.147 9.147
10.460 10.460 10.459 10.459 10.457
11.342 11.341 11.340 11.338 11.335
11.933 11.931 11.928 11.926 11.922
12.327 12.324 12.320 12.316 12.311
12.588 12.583 12.577 12.571 12.563
12.756 12.748 12.740 12.731 12.720
12.859 12.849 12.838 12.826 12.811
25 26 27 28 29
30 31 32 33 34
4.297 4.298 4.298 4.298 4.298
7.195 7.195 7.195 7.194 7.192
9.146 9.145 9.143 9.140 9.136
10.456 10.453 10.449 10.444 10.438
11.332 11.328 11.322 11.315 11.308
11.917 11.911 11.904 11.895 11.884
12.304 12.295 12.285 12.272 12.258
12.553 12.541 12.527 12.510 12.491
12.706 12.691 12.672 12.651 12.626
12.794 12.774 12.751 12.725 12.695
30 31 32 33 34
35 36 37 38 39
4.297 4.296 4.296 4.295 4.294
7.190 7.187 7.184 7.180 7.177
9.131 9.126 9.120 9.114 9.108
10.431 10.423 10.415 10.407 10.399
11.298 11.288 11.278 11.266 11.254
11.872 11.858 11.843 11.826 11.808
12.241 12.222 12.201 12.179 12.154
12.469 12.444 12.417 12.387 12.355
12.598 12.568 12.534 12.497 12.457
12.662 12.626 12.587 12.545 12.499
35 36 37 38 39
40 41 42 43 44
4.293 4.292 4.291 4.290 4.289
7.174 7.170 7.167 7.164 7.161
9.102 9.097 9.091 9.086 9.081
10.390 10.382 10.373 10.363 10.353
11.241 11.227 11.212 11.195 11.177
11.789 11.768 11.745 11.720 11.692
12.127 12.097 12.065 12.030 11.990
12.319 12.281 12.239 12.193 12.143
12.414 12.368 12.318 12.264 12.206
12.451 12.399 12.344 12.285 12.223
40 41 42 43 44
45 46 47 48 49
4.288 4.287 4.287 4.286 4.285
7.159 7.156 7.154 7.152 7.149
9.076 9.070 9.063 9.055 9.046
10.341 10.329 10.314 10.297 10.276
11.157 11.134 11.108 11.078 11.043
11.660 11.625 11.585 11.540 11.489
11.947 11.899 11.845 11.784 11.717
12.089 12.028 11.962 11.890 11.810
12.143 12.075 12.001 11.922 11.836
12.156 12.085 12.009 11.927 11.840
45 46 47 48 49
50 51 52 53 54
4.285 4.284 4.283 4.283 4.281
7.145 7.141 7.135 7.128 7.118
9.035 9.021 9.004 8.983 8.957
10.252 10.224 10.190 10.150 10.104
11.003 10.957 10.903 10.841 10.770
11.431 11.365 11.290 11.206 11.111
11.642 11.559 11.466 11.364 11.250
11.723 11.628 11.524 11.411 11.289
11.743 11.643 11.535 11.419 11.294
11.746
50 51 52 53 54
55 56 57 58 59
4.279 4.275 4.270 4.265 4.259
7.104 7.087 7.067 7.045 7.021
8.925 8.887 8.844 8.796 8.743
10.048 9.984 9.911 9.831 9.743
10.688 10.595 10.491 10.378 10.255
11.004 10.885 10.755 10.615 10.464
11.126 10.989 10.842 10.686 10.522
11.155 11.011 10.858 10.698 10.530
11.159
10
15
55 56 57 58 59
86
Interest Rate: 8.0%
INDIVIDUAL LIVES - MALE
ax:n Term Age
5
60 61 62 63 64
4.252 4.245 4.237 4.227 4.217
6.993 6.962 6.927 6.889 6.846
8.683 8.617 8.544 8.463 8.373
65 66 67 68 69
4.205 4.192 4.177 4.160 4.142
6.798 6.745 6.686 6.620 6.548
70 71 72 73 74
4.121 4.098 4.072 4.043 4.011
75 76 77 78 79
10
15
20
25
30
35
40
9.646 9.539 9.422 9.294 9.155
10.122 9.977 9.821 9.654 9.475
10.304 10.133 9.953 9.763 9.563
10.349 10.168 9.978 9.780 9.575
10.354
8.275 8.167 8.049 7.920 7.780
9.005 8.843 8.668 8.482 8.283
9.285 9.084 8.873 8.652 8.422
9.354 9.137 8.912 8.680 8.441
9.362
6.468 6.381 6.285 6.179 6.065
7.628 7.465 7.289 7.102 6.904
8.073 7.853 7.622 7.382 7.134
8.183 7.937 7.685 7.428 7.166
8.196
3.976 3.937 3.893 3.845 3.792
5.940 5.806 5.661 5.507 5.342
6.694 6.475 6.246 6.010 5.768
6.880 6.621 6.358 6.093 5.827
6.901
80 81 82 83 84
3.734 3.671 3.602 3.527 3.445
5.167 4.984 4.793 4.595 4.392
5.521 5.271 5.020 4.771 4.524
5.561
85 86 87 88 89
3.358 3.264 3.164 3.059 2.948
4.185 3.976 3.768 3.560 3.357
4.281
90 91 92 93 94 95
2.833 2.713 2.591 2.467 2.342 2.218
3.159
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
87
Interest Rate: 9.0%
INDIVIDUAL LIVES - MALE
ax:n Term Age
5
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.228 4.227 4.226 4.225 4.225
6.952 6.949 6.946 6.945 6.944
8.705 8.701 8.698 8.696 8.695
9.834 9.829 9.825 9.823 9.821
10.559 10.554 10.549 10.546 10.544
11.024 11.018 11.013 11.009 11.006
11.322 11.315 11.309 11.304 11.301
11.511 11.504 11.497 11.492 11.487
11.631 11.622 11.615 11.608 11.603
11.704 11.695 11.686 11.679 11.671
20 21 22 23 24
25 26 27 28 29
4.224 4.224 4.225 4.225 4.225
6.944 6.944 6.945 6.945 6.946
8.695 8.695 8.696 8.696 8.696
9.821 9.820 9.820 9.820 9.819
10.542 10.541 10.540 10.538 10.536
11.003 11.001 11.000 10.997 10.995
11.298 11.295 11.292 11.289 11.284
11.483 11.479 11.475 11.470 11.464
11.597 11.592 11.586 11.579 11.571
11.664 11.657 11.650 11.641 11.630
25 26 27 28 29
30 31 32 33 34
4.225 4.226 4.226 4.226 4.226
6.947 6.947 6.946 6.945 6.943
8.696 8.695 8.693 8.690 8.686
9.817 9.814 9.811 9.806 9.801
10.534 10.530 10.525 10.519 10.512
10.991 10.986 10.979 10.972 10.963
11.279 11.272 11.264 11.253 11.241
11.456 11.447 11.436 11.423 11.407
11.561 11.549 11.535 11.518 11.499
11.618 11.603 11.586 11.567 11.545
30 31 32 33 34
35 36 37 38 39
4.225 4.224 4.224 4.223 4.222
6.941 6.939 6.936 6.932 6.929
8.682 8.677 8.672 8.666 8.661
9.795 9.788 9.781 9.774 9.766
10.504 10.496 10.486 10.476 10.465
10.952 10.940 10.927 10.913 10.898
11.228 11.212 11.195 11.176 11.156
11.390 11.370 11.349 11.325 11.299
11.478 11.454 11.428 11.400 11.369
11.520 11.493 11.463 11.431 11.397
35 36 37 38 39
40 41 42 43 44
4.221 4.220 4.219 4.218 4.217
6.926 6.923 6.920 6.917 6.914
8.655 8.650 8.645 8.640 8.636
9.758 9.750 9.742 9.734 9.725
10.454 10.442 10.429 10.415 10.399
10.882 10.864 10.845 10.824 10.801
11.134 11.110 11.084 11.055 11.024
11.271 11.241 11.208 11.172 11.133
11.336 11.300 11.262 11.220 11.176
11.360 11.321 11.279 11.234 11.187
40 41 42 43 44
45 46 47 48 49
4.216 4.216 4.215 4.214 4.214
6.912 6.910 6.907 6.905 6.902
8.631 8.625 8.619 8.612 8.604
9.715 9.703 9.690 9.675 9.657
10.382 10.362 10.340 10.315 10.285
10.775 10.746 10.713 10.676 10.633
10.989 10.950 10.907 10.858 10.804
11.090 11.043 10.991 10.933 10.870
11.127 11.074 11.017 10.955 10.888
11.136 11.081 11.022 10.958 10.890
45 46 47 48 49
50 51 52 53 54
4.213 4.212 4.212 4.211 4.210
6.899 6.895 6.890 6.883 6.873
8.593 8.581 8.565 8.546 8.523
9.636 9.611 9.582 9.547 9.505
10.251 10.211 10.165 10.112 10.050
10.585 10.530 10.468 10.397 10.317
10.743 10.675 10.599 10.515 10.421
10.801 10.724 10.641 10.549 10.449
10.814 10.735 10.648 10.554 10.452
10.816
50 51 52 53 54
55 56 57 58 59
4.207 4.203 4.199 4.194 4.188
6.861 6.844 6.826 6.805 6.782
8.494 8.459 8.419 8.375 8.326
9.456 9.398 9.334 9.262 9.184
9.980 9.898 9.809 9.710 9.603
10.227 10.125 10.015 9.895 9.767
10.317 10.203 10.080 9.949 9.810
10.339 10.219 10.092 9.957 9.816
10.341
10
15
20
55 56 57 58 59
88
Interest Rate: 9.0%
INDIVIDUAL LIVES - MALE
ax:n Term Age
5
60 61 62 63 64
4.182 4.174 4.166 4.157 4.147
6.755 6.726 6.694 6.657 6.616
8.272 8.211 8.144 8.069 7.987
9.097 9.001 8.897 8.782 8.658
9.486 9.360 9.223 9.077 8.920
9.629 9.483 9.327 9.162 8.989
9.663 9.508 9.346 9.175 8.998
65 66 67 68 69
4.135 4.122 4.108 4.092 4.074
6.571 6.521 6.465 6.403 6.335
7.897 7.798 7.689 7.570 7.441
8.523 8.377 8.220 8.052 7.873
8.752 8.575 8.388 8.192 7.987
8.807 8.617 8.419 8.214 8.002
8.813
70 71 72 73 74
4.054 4.031 4.006 3.978 3.947
6.260 6.177 6.086 5.986 5.878
7.301 7.151 6.989 6.816 6.632
7.684 7.484 7.274 7.056 6.830
7.774 7.553 7.326 7.094 6.856
7.784
75 76 77 78 79
3.913 3.874 3.832 3.785 3.734
5.760 5.633 5.495 5.349 5.192
6.438 6.234 6.022 5.802 5.576
6.598 6.360 6.118 5.873 5.627
6.615
80 81 82 83 84
3.677 3.616 3.548 3.475 3.396
5.027 4.853 4.671 4.482 4.289
5.345 5.111 4.876 4.641 4.407
5.380
85 86 87 88 89
3.311 3.219 3.122 3.019 2.911
4.091 3.892 3.692 3.493 3.298
4.177
90 91 92 93 94 95
2.798 2.682 2.562 2.441 2.319 2.198
3.107
10
15
20
25
30
35
40
9.667
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
89
Interest Rate: 10.0%
INDIVIDUAL LIVES - MALE
ax:n Term Age
5
30
35
40
45
50
Term Age
20 21 22 23 24
4.159 4.158 4.157 4.156 4.155
6.718 6.715 6.713 6.711 6.710
8.291 8.288 8.285 8.283 8.282
9.260 9.255 9.252 9.250 9.248
9.854 9.849 9.845 9.842 9.840
10.218 10.213 10.208 10.205 10.202
10.441 10.434 10.429 10.425 10.422
10.576 10.570 10.564 10.559 10.556
10.658 10.651 10.644 10.639 10.635
10.706 10.698 10.691 10.685 10.679
20 21 22 23 24
25 26 27 28 29
4.155 4.155 4.155 4.155 4.156
6.710 6.710 6.711 6.712 6.712
8.282 8.283 8.283 8.283 8.284
9.248 9.247 9.247 9.247 9.246
9.839 9.838 9.837 9.836 9.834
10.200 10.198 10.197 10.195 10.193
10.420 10.418 10.416 10.413 10.410
10.552 10.550 10.546 10.543 10.538
10.630 10.626 10.622 10.617 10.611
10.674 10.669 10.664 10.657 10.650
25 26 27 28 29
30 31 32 33 34
4.156 4.156 4.156 4.156 4.156
6.713 6.713 6.712 6.711 6.710
8.283 8.282 8.280 8.278 8.275
9.245 9.243 9.240 9.236 9.231
9.832 9.829 9.825 9.820 9.814
10.190 10.186 10.180 10.174 10.166
10.405 10.400 10.393 10.384 10.374
10.532 10.525 10.516 10.506 10.493
10.604 10.595 10.584 10.571 10.556
10.641 10.630 10.617 10.602 10.586
30 31 32 33 34
35 36 37 38 39
4.156 4.155 4.154 4.153 4.152
6.708 6.705 6.703 6.700 6.696
8.271 8.266 8.261 8.256 8.251
9.225 9.219 9.212 9.206 9.199
9.807 9.799 9.790 9.781 9.772
10.157 10.147 10.136 10.124 10.111
10.363 10.350 10.336 10.321 10.304
10.479 10.463 10.446 10.427 10.406
10.539 10.521 10.500 10.478 10.454
10.567 10.546 10.523 10.498 10.472
35 36 37 38 39
40 41 42 43 44
4.151 4.150 4.150 4.149 4.148
6.693 6.690 6.688 6.685 6.682
8.246 8.241 8.237 8.232 8.228
9.192 9.185 9.178 9.170 9.162
9.762 9.751 9.740 9.728 9.715
10.097 10.082 10.066 10.049 10.029
10.286 10.266 10.245 10.222 10.196
10.384 10.360 10.334 10.305 10.274
10.428 10.400 10.370 10.338 10.303
10.444 10.414 10.382 10.347 10.311
40 41 42 43 44
45 46 47 48 49
4.147 4.146 4.146 4.145 4.144
6.680 6.678 6.676 6.674 6.671
8.223 8.218 8.213 8.206 8.199
9.153 9.143 9.131 9.118 9.102
9.700 9.683 9.664 9.642 9.617
10.008 9.983 9.956 9.925 9.890
10.168 10.136 10.101 10.061 10.017
10.240 10.202 10.161 10.115 10.065
10.265 10.224 10.179 10.130 10.077
10.271 10.228 10.182 10.133 10.078
45 46 47 48 49
50 51 52 53 54
4.144 4.143 4.143 4.142 4.141
6.668 6.664 6.659 6.653 6.644
8.189 8.178 8.164 8.146 8.125
9.084 9.062 9.036 9.004 8.967
9.587 9.553 9.514 9.468 9.415
9.849 9.803 9.751 9.691 9.624
9.967 9.912 9.849 9.780 9.702
10.009 9.947 9.879 9.804 9.721
10.018 9.954 9.884 9.808 9.724
10.019
50 51 52 53 54
55 56 57 58 59
4.138 4.135 4.130 4.125 4.120
6.632 6.617 6.599 6.579 6.557
8.098 8.066 8.030 7.989 7.944
8.924 8.872 8.815 8.751 8.680
9.353 9.282 9.204 9.118 9.024
9.547 9.460 9.366 9.263 9.153
9.615 9.519 9.415 9.303 9.185
9.630 9.530 9.423 9.309 9.189
9.632
10
15
20
25
55 56 57 58 59
90
Interest Rate: 10.0%
INDIVIDUAL LIVES - MALE
ax:n Term Age
5
60 61 62 63 64
4.113 4.106 4.098 4.089 4.079
6.532 6.505 6.474 6.439 6.401
7.894 7.838 7.776 7.708 7.632
8.602 8.517 8.423 8.320 8.208
8.922 8.811 8.691 8.562 8.423
9.034 8.907 8.772 8.629 8.478
9.059 8.927 8.786 8.639 8.484
65 66 67 68 69
4.068 4.056 4.042 4.026 4.008
6.358 6.311 6.258 6.199 6.135
7.549 7.458 7.358 7.248 7.129
8.087 7.955 7.814 7.662 7.500
8.276 8.118 7.952 7.777 7.594
8.318 8.151 7.976 7.794 7.606
8.323
70 71 72 73 74
3.989 3.967 3.942 3.915 3.885
6.063 5.985 5.899 5.804 5.702
7.000 6.860 6.711 6.551 6.380
7.329 7.147 6.956 6.757 6.551
7.403 7.204 6.999 6.789 6.573
7.411
75 76 77 78 79
3.851 3.814 3.773 3.727 3.677
5.590 5.469 5.339 5.200 5.051
6.200 6.011 5.813 5.608 5.397
6.338 6.119 5.896 5.669 5.441
6.352
80 81 82 83 84
3.622 3.562 3.497 3.425 3.348
4.894 4.728 4.555 4.375 4.191
5.181 4.961 4.740 4.518 4.298
5.211
85 86 87 88 89
3.265 3.176 3.081 2.981 2.875
4.002 3.811 3.619 3.429 3.241
4.080
90 91 92 93 94 95
2.765 2.651 2.535 2.416 2.297 2.179
3.057
10
15
20
25
30
35
40
9.062
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
91
Interest Rate: 0.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.984 4.983 4.983 4.982 4.982
9.925 9.923 9.922 9.922 9.923
14.827 14.826 14.826 14.827 14.830
19.696 19.695 19.696 19.699 19.703
24.530 24.528 24.528 24.529 24.531
29.315 29.307 29.301 29.295 29.288
34.023 34.002 33.981 33.958 33.932
38.607 38.559 38.509 38.453 38.392
42.990 42.897 42.797 42.686 42.564
47.062 46.896 46.715 46.518 46.301
20 21 22 23 24
25 26 27 28 29
4.982 4.983 4.983 4.984 4.985
9.925 9.927 9.930 9.933 9.935
14.834 14.839 14.844 14.848 14.851
19.708 19.713 19.718 19.721 19.722
24.533 24.534 24.533 24.529 24.521
29.280 29.269 29.254 29.233 29.206
33.902 33.866 33.822 33.769 33.705
38.322 38.241 38.148 38.040 37.915
42.428 42.274 42.101 41.905 41.685
46.063 45.799 45.507 45.184 44.827
25 26 27 28 29
30 31 32 33 34
4.985 4.986 4.987 4.987 4.987
9.938 9.939 9.940 9.940 9.939
14.853 14.854 14.853 14.850 14.845
19.720 19.716 19.708 19.696 19.680
24.509 24.491 24.467 24.436 24.399
29.170 29.126 29.072 29.007 28.932
33.629 33.538 33.433 33.311 33.172
37.770 37.605 37.417 37.206 36.970
41.436 41.159 40.850 40.509 40.135
44.434 44.004 43.535 43.026 42.479
30 31 32 33 34
35 36 37 38 39
4.987 4.987 4.986 4.985 4.985
9.937 9.935 9.932 9.928 9.924
14.838 14.829 14.819 14.806 14.790
19.661 19.637 19.609 19.577 19.540
24.355 24.303 24.245 24.178 24.103
28.845 28.746 28.634 28.510 28.371
33.015 32.840 32.645 32.430 32.194
36.707 36.418 36.101 35.756 35.380
39.726 39.282 38.803 38.289 37.739
41.892 41.267 40.605 39.909 39.179
35 36 37 38 39
40 41 42 43 44
4.984 4.983 4.982 4.981 4.979
9.918 9.912 9.904 9.896 9.885
14.773 14.753 14.730 14.704 14.674
19.499 19.452 19.399 19.340 19.273
24.019 23.925 23.821 23.705 23.576
28.218 28.049 27.862 27.656 27.430
31.935 31.652 31.343 31.007 30.642
34.974 34.536 34.065 33.560 33.020
37.154 36.534 35.880 35.192 34.472
38.418 37.629 36.815 35.977 35.119
40 41 42 43 44
45 46 47 48 49
4.976 4.974 4.971 4.968 4.965
9.873 9.859 9.845 9.828 9.810
14.639 14.602 14.560 14.515 14.465
19.198 19.116 19.026 18.927 18.819
23.433 23.277 23.107 22.921 22.719
27.182 26.913 26.622 26.308 25.969
30.247 29.824 29.371 28.888 28.376
32.446 31.840 31.204 30.538 29.844
33.721 32.945 32.148 31.331 30.499
34.244 33.360 32.468 31.572 30.676
45 46 47 48 49
50 51 52 53 54
4.961 4.957 4.952 4.947 4.942
9.791 9.769 9.745 9.718 9.689
14.410 14.349 14.283 14.210 14.130
18.700 18.571 18.429 18.275 18.107
22.499 22.260 22.002 21.723 21.421
25.604 25.213 24.795 24.350 23.876
27.833 27.260 26.658 26.029 25.374
29.124 28.381 27.617 26.836 26.042
29.654 28.801 27.943 27.082 26.222
29.780
50 51 52 53 54
55 56 57 58 59
4.936 4.929 4.922 4.913 4.904
9.657 9.621 9.582 9.539 9.492
14.042 13.946 13.841 13.726 13.601
17.924 17.725 17.510 17.277 17.026
21.098 20.750 20.379 19.983 19.562
23.375 22.847 22.292 21.712 21.109
24.695 23.995 23.277 22.544 21.799
25.237 24.425 23.611 22.797 21.985
25.365
55 56 57 58 59
92
Interest Rate: 0.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
21.180
60 61 62 63 64
4.894 4.883 4.871 4.858 4.843
9.441 9.384 9.322 9.254 9.180
13.465 13.317 13.157 12.983 12.795
16.756 16.466 16.155 15.824 15.472
19.117 18.647 18.155 17.640 17.105
20.485 19.843 19.184 18.513 17.833
21.047 20.290 19.533 18.779 18.030
65 66 67 68 69
4.827 4.809 4.789 4.767 4.744
9.099 9.011 8.915 8.811 8.697
12.592 12.374 12.141 11.891 11.625
15.099 14.705 14.292 13.861 13.411
16.552 15.982 15.400 14.807 14.208
17.148 16.461 15.776 15.095 14.423
17.289
70 71 72 73 74
4.718 4.689 4.658 4.624 4.586
8.575 8.442 8.300 8.147 7.983
11.342 11.044 10.729 10.399 10.055
12.947 12.469 11.979 11.482 10.979
13.605 13.003 12.403 11.811 11.228
13.761
75 76 77 78 79
4.546 4.501 4.453 4.400 4.343
7.807 7.621 7.423 7.214 6.994
9.698 9.330 8.952 8.566 8.176
10.474 9.970 9.470 8.977 8.494
10.657
80 81 82 83 84
4.282 4.215 4.144 4.067 3.985
6.764 6.525 6.277 6.022 5.762
7.783 7.390 7.001 6.617 6.241
8.024
85 86 87 88 89
3.897 3.804 3.705 3.601 3.492
5.497 5.230 4.962 4.696 4.433
5.875
90 91 92 93 94 95
3.378 3.260 3.138 3.013 2.885 2.756
4.177
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
93
Interest Rate: 1.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.887 4.886 4.885 4.885 4.885
9.496 9.494 9.493 9.493 9.494
13.847 13.845 13.845 13.847 13.849
17.959 17.958 17.958 17.961 17.964
21.842 21.840 21.840 21.841 21.843
25.501 25.495 25.490 25.485 25.481
28.926 28.910 28.894 28.877 28.859
32.098 32.064 32.028 31.989 31.946
34.985 34.921 34.852 34.777 34.694
37.537 37.427 37.309 37.179 37.037
20 21 22 23 24
25 26 27 28 29
4.885 4.885 4.886 4.886 4.887
9.495 9.498 9.500 9.503 9.505
13.853 13.857 13.861 13.865 13.868
17.969 17.973 17.977 17.980 17.982
21.846 21.847 21.847 21.844 21.838
25.475 25.467 25.456 25.441 25.420
28.837 28.811 28.780 28.741 28.693
31.897 31.840 31.774 31.697 31.607
34.602 34.497 34.378 34.244 34.091
36.880 36.707 36.514 36.299 36.062
25 26 27 28 29
30 31 32 33 34
4.888 4.888 4.889 4.889 4.889
9.507 9.509 9.510 9.510 9.509
13.870 13.871 13.870 13.868 13.864
17.981 17.977 17.970 17.960 17.947
21.828 21.814 21.794 21.769 21.739
25.392 25.358 25.315 25.264 25.204
28.636 28.568 28.488 28.396 28.290
31.503 31.384 31.247 31.093 30.920
33.919 33.726 33.510 33.270 33.006
35.799 35.510 35.193 34.849 34.476
30 31 32 33 34
35 36 37 38 39
4.889 4.889 4.889 4.888 4.887
9.507 9.505 9.502 9.499 9.494
13.857 13.849 13.839 13.828 13.814
17.930 17.909 17.885 17.857 17.826
21.702 21.659 21.610 21.555 21.492
25.135 25.056 24.967 24.867 24.757
28.170 28.036 27.886 27.721 27.539
30.727 30.514 30.280 30.024 29.746
32.716 32.402 32.061 31.694 31.302
34.076 33.647 33.192 32.712 32.206
35 36 37 38 39
40 41 42 43 44
4.886 4.885 4.884 4.883 4.881
9.489 9.483 9.476 9.468 9.458
13.798 13.780 13.760 13.736 13.709
17.790 17.749 17.704 17.652 17.594
21.423 21.344 21.257 21.160 21.052
24.634 24.498 24.348 24.182 24.000
27.339 27.120 26.882 26.622 26.339
29.444 29.119 28.768 28.391 27.987
30.883 30.437 29.966 29.468 28.945
31.677 31.125 30.553 29.962 29.352
40 41 42 43 44
45 46 47 48 49
4.879 4.877 4.874 4.871 4.868
9.447 9.434 9.420 9.405 9.388
13.678 13.644 13.607 13.565 13.520
17.528 17.457 17.379 17.293 17.198
20.932 20.802 20.659 20.503 20.333
23.800 23.583 23.348 23.094 22.820
26.032 25.703 25.350 24.974 24.574
27.556 27.101 26.622 26.119 25.593
28.398 27.831 27.245 26.643 26.026
28.727 28.092 27.447 26.795 26.137
45 46 47 48 49
50 51 52 53 54
4.864 4.860 4.856 4.851 4.846
9.370 9.349 9.327 9.302 9.274
13.470 13.416 13.355 13.289 13.217
17.095 16.982 16.859 16.724 16.578
20.149 19.949 19.731 19.497 19.243
22.525 22.209 21.870 21.508 21.123
24.149 23.700 23.227 22.732 22.215
25.045 24.478 23.893 23.293 22.679
25.396 24.756 24.109 23.455 22.798
25.475
50 51 52 53 54
55 56 57 58 59
4.840 4.833 4.826 4.818 4.809
9.244 9.211 9.174 9.134 9.090
13.138 13.051 12.956 12.852 12.739
16.418 16.245 16.057 15.853 15.634
18.971 18.678 18.365 18.030 17.675
20.715 20.284 19.830 19.355 18.861
21.677 21.121 20.549 19.963 19.364
22.054 21.421 20.782 20.139 19.494
22.139
55 56 57 58 59
94
Interest Rate: 1.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
18.850
60 61 62 63 64
4.799 4.789 4.777 4.764 4.749
9.042 8.989 8.931 8.867 8.798
12.616 12.482 12.337 12.179 12.009
15.398 15.144 14.872 14.582 14.273
17.298 16.900 16.482 16.044 15.588
18.347 17.816 17.271 16.714 16.147
18.757 18.144 17.527 16.908 16.291
65 66 67 68 69
4.734 4.716 4.697 4.676 4.653
8.722 8.639 8.549 8.451 8.345
11.825 11.628 11.416 11.189 10.947
13.945 13.600 13.236 12.856 12.459
15.116 14.629 14.129 13.619 13.102
15.574 14.996 14.418 13.841 13.267
15.677
70 71 72 73 74
4.628 4.600 4.570 4.537 4.501
8.230 8.105 7.972 7.828 7.673
10.690 10.418 10.132 9.831 9.517
12.049 11.625 11.191 10.749 10.301
12.580 12.056 11.534 11.015 10.502
12.700
75 76 77 78 79
4.461 4.418 4.371 4.320 4.265
7.509 7.333 7.147 6.950 6.743
9.191 8.854 8.508 8.155 7.797
9.850 9.398 8.949 8.504 8.067
9.998
80 81 82 83 84
4.205 4.141 4.071 3.996 3.917
6.527 6.301 6.068 5.827 5.581
7.435 7.073 6.713 6.358 6.009
7.640
85 86 87 88 89
3.831 3.741 3.645 3.544 3.438
5.330 5.077 4.824 4.571 4.321
5.668
90 91 92 93 94 95
3.327 3.212 3.093 2.971 2.847 2.721
4.077
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
95
Interest Rate: 2.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.793 4.792 4.791 4.791 4.791
9.097 9.095 9.094 9.094 9.094
12.963 12.962 12.962 12.963 12.965
16.442 16.441 16.442 16.444 16.447
19.570 19.568 19.568 19.569 19.571
22.375 22.370 22.366 22.363 22.360
24.875 24.863 24.851 24.839 24.825
27.079 27.054 27.029 27.001 26.971
28.989 28.944 28.897 28.846 28.789
30.596 30.523 30.444 30.358 30.264
20 21 22 23 24
25 26 27 28 29
4.791 4.791 4.792 4.793 4.793
9.096 9.098 9.100 9.103 9.105
12.969 12.972 12.976 12.980 12.983
16.451 16.455 16.459 16.462 16.463
19.573 19.575 19.575 19.574 19.569
22.356 22.351 22.343 22.331 22.315
24.810 24.792 24.769 24.740 24.705
26.936 26.896 26.850 26.795 26.730
28.726 28.654 28.573 28.480 28.374
30.161 30.046 29.918 29.775 29.615
25 26 27 28 29
30 31 32 33 34
4.794 4.795 4.795 4.795 4.796
9.107 9.108 9.109 9.109 9.109
12.985 12.986 12.985 12.983 12.979
16.462 16.459 16.454 16.445 16.434
19.561 19.550 19.534 19.513 19.488
22.294 22.267 22.234 22.193 22.146
24.662 24.611 24.550 24.479 24.398
26.655 26.568 26.468 26.354 26.226
28.253 28.117 27.965 27.795 27.607
29.438 29.242 29.026 28.790 28.534
30 31 32 33 34
35 36 37 38 39
4.795 4.795 4.795 4.794 4.793
9.107 9.105 9.102 9.099 9.095
12.973 12.966 12.957 12.947 12.934
16.419 16.401 16.381 16.356 16.329
19.458 19.422 19.381 19.335 19.282
22.090 22.027 21.955 21.875 21.786
24.306 24.202 24.087 23.959 23.817
26.083 25.925 25.751 25.560 25.352
27.400 27.175 26.930 26.666 26.383
28.257 27.960 27.644 27.308 26.953
35 36 37 38 39
40 41 42 43 44
4.793 4.792 4.791 4.789 4.788
9.090 9.085 9.078 9.071 9.061
12.920 12.904 12.885 12.864 12.840
16.298 16.262 16.223 16.178 16.127
19.224 19.158 19.085 19.004 18.913
21.687 21.577 21.456 21.322 21.174
23.662 23.492 23.306 23.104 22.883
25.126 24.882 24.618 24.334 24.030
26.079 25.756 25.412 25.048 24.665
26.580 26.190 25.783 25.360 24.922
40 41 42 43 44
45 46 47 48 49
4.786 4.783 4.781 4.778 4.775
9.050 9.039 9.026 9.011 8.996
12.811 12.781 12.747 12.709 12.668
16.070 16.007 15.939 15.864 15.781
18.812 18.702 18.582 18.451 18.308
21.012 20.836 20.645 20.439 20.216
22.642 22.385 22.108 21.813 21.498
23.703 23.358 22.993 22.609 22.207
24.261 23.842 23.407 22.957 22.495
24.470 24.007 23.535 23.054 22.565
45 46 47 48 49
50 51 52 53 54
4.771 4.767 4.763 4.758 4.753
8.978 8.959 8.938 8.914 8.889
12.623 12.574 12.519 12.460 12.394
15.691 15.593 15.485 15.367 15.239
18.152 17.983 17.800 17.602 17.388
19.976 19.718 19.441 19.145 18.830
21.163 20.808 20.434 20.041 19.630
21.787 21.351 20.898 20.432 19.953
22.020 21.535 21.041 20.540 20.033
22.070
50 51 52 53 54
55 56 57 58 59
4.747 4.741 4.734 4.726 4.718
8.860 8.829 8.795 8.757 8.716
12.322 12.243 12.157 12.063 11.961
15.099 14.947 14.783 14.604 14.412
17.157 16.909 16.644 16.360 16.058
18.496 18.142 17.769 17.378 16.969
19.201 18.756 18.296 17.823 17.339
19.464 18.965 18.458 17.946 17.429
19.520
55 56 57 58 59
96
Interest Rate: 2.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
16.910
60 61 62 63 64
4.708 4.698 4.686 4.674 4.660
8.671 8.621 8.566 8.506 8.441
11.849 11.727 11.596 11.453 11.298
14.205 13.982 13.743 13.488 13.216
15.738 15.399 15.042 14.668 14.278
16.544 16.104 15.650 15.184 14.709
16.845 16.344 15.837 15.327 14.814
65 66 67 68 69
4.644 4.628 4.609 4.589 4.566
8.370 8.292 8.208 8.116 8.016
11.131 10.951 10.759 10.552 10.332
12.928 12.623 12.302 11.966 11.615
13.873 13.454 13.024 12.583 12.135
14.226 13.738 13.246 12.754 12.262
14.302
70 71 72 73 74
4.542 4.515 4.486 4.453 4.418
7.908 7.791 7.665 7.530 7.385
10.098 9.850 9.589 9.315 9.028
11.251 10.875 10.488 10.094 9.693
11.681 11.224 10.766 10.309 9.856
11.773
75 76 77 78 79
4.380 4.338 4.292 4.243 4.189
7.230 7.065 6.889 6.704 6.509
8.729 8.421 8.103 7.779 7.449
9.289 8.883 8.478 8.076 7.679
9.409
80 81 82 83 84
4.131 4.068 4.001 3.928 3.851
6.305 6.092 5.871 5.644 5.411
7.116 6.781 6.448 6.118 5.793
7.290
85 86 87 88 89
3.768 3.680 3.587 3.488 3.385
5.174 4.934 4.693 4.453 4.216
5.476
90 91 92 93 94 95
3.277 3.165 3.050 2.931 2.810 2.688
3.982
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
97
Interest Rate: 3.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.703 4.702 4.701 4.701 4.701
8.724 8.722 8.722 8.721 8.722
12.166 12.164 12.164 12.165 12.167
15.114 15.113 15.114 15.115 15.118
17.639 17.638 17.637 17.638 17.640
19.796 19.792 19.789 19.786 19.784
21.626 21.617 21.608 21.599 21.590
23.163 23.145 23.127 23.107 23.086
24.432 24.401 24.368 24.333 24.294
25.449 25.400 25.347 25.290 25.228
20 21 22 23 24
25 26 27 28 29
4.701 4.701 4.702 4.702 4.703
8.723 8.725 8.728 8.730 8.732
12.170 12.174 12.177 12.181 12.183
15.122 15.126 15.129 15.132 15.133
17.642 17.644 17.645 17.644 17.641
19.782 19.778 19.773 19.764 19.752
21.579 21.566 21.549 21.528 21.502
23.062 23.034 23.001 22.961 22.915
24.251 24.202 24.146 24.081 24.007
25.159 25.083 24.997 24.901 24.793
25 26 27 28 29
30 31 32 33 34
4.704 4.704 4.705 4.705 4.705
8.734 8.735 8.736 8.736 8.736
12.185 12.186 12.186 12.184 12.180
15.133 15.131 15.126 15.119 15.109
17.635 17.625 17.612 17.596 17.574
19.736 19.715 19.688 19.656 19.618
21.470 21.431 21.385 21.330 21.268
22.860 22.796 22.723 22.638 22.543
23.922 23.826 23.718 23.596 23.461
24.672 24.538 24.390 24.227 24.048
30 31 32 33 34
35 36 37 38 39
4.705 4.705 4.704 4.704 4.703
8.734 8.732 8.730 8.727 8.723
12.175 12.169 12.161 12.151 12.140
15.096 15.081 15.062 15.041 15.017
17.549 17.519 17.485 17.446 17.402
19.573 19.522 19.464 19.400 19.327
21.196 21.116 21.026 20.926 20.816
22.436 22.318 22.187 22.043 21.887
23.312 23.149 22.971 22.779 22.572
23.855 23.647 23.424 23.186 22.934
35 36 37 38 39
40 41 42 43 44
4.702 4.702 4.701 4.699 4.698
8.718 8.713 8.707 8.700 8.691
12.127 12.113 12.096 12.076 12.054
14.990 14.959 14.925 14.885 14.841
17.353 17.298 17.236 17.168 17.091
19.247 19.158 19.059 18.951 18.830
20.694 20.561 20.415 20.256 20.082
21.716 21.531 21.331 21.116 20.883
22.350 22.113 21.860 21.591 21.306
22.668 22.388 22.095 21.789 21.469
40 41 42 43 44
45 46 47 48 49
4.696 4.693 4.691 4.688 4.685
8.681 8.670 8.658 8.645 8.630
12.029 12.001 11.970 11.936 11.899
14.791 14.736 14.676 14.611 14.538
17.005 16.912 16.811 16.700 16.579
18.698 18.554 18.398 18.230 18.047
19.893 19.689 19.471 19.237 18.987
20.634 20.369 20.089 19.794 19.483
21.005 20.692 20.365 20.025 19.675
21.138 20.796 20.446 20.087 19.719
45 46 47 48 49
50 51 52 53 54
4.682 4.678 4.674 4.669 4.664
8.613 8.595 8.575 8.553 8.529
11.858 11.813 11.764 11.709 11.650
14.459 14.373 14.278 14.175 14.062
16.447 16.304 16.148 15.980 15.798
17.850 17.639 17.412 17.169 16.909
18.721 18.439 18.140 17.826 17.496
19.157 18.818 18.465 18.099 17.722
19.313 18.941 18.561 18.172 17.776
19.345
50 51 52 53 54
55 56 57 58 59
4.658 4.652 4.645 4.638 4.630
8.503 8.473 8.441 8.406 8.367
11.585 11.513 11.435 11.349 11.256
13.940 13.806 13.662 13.505 13.336
15.602 15.392 15.166 14.924 14.666
16.634 16.342 16.033 15.709 15.369
17.151 16.792 16.420 16.035 15.640
17.335 16.938 16.534 16.122 15.704
17.373
55 56 57 58 59
98
Interest Rate: 3.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
15.281
60 61 62 63 64
4.620 4.610 4.599 4.587 4.573
8.324 8.278 8.226 8.170 8.109
11.155 11.044 10.924 10.794 10.653
13.153 12.957 12.747 12.522 12.282
14.393 14.103 13.798 13.477 13.141
15.014 14.646 14.266 13.874 13.473
15.236 14.823 14.404 13.979 13.551
65 66 67 68 69
4.559 4.542 4.524 4.504 4.483
8.042 7.969 7.889 7.803 7.709
10.502 10.338 10.162 9.974 9.773
12.027 11.757 11.473 11.175 10.863
12.792 12.430 12.057 11.675 11.284
13.064 12.649 12.229 11.807 11.383
13.120
70 71 72 73 74
4.459 4.433 4.404 4.373 4.339
7.607 7.497 7.379 7.252 7.115
9.560 9.334 9.095 8.843 8.581
10.539 10.204 9.859 9.506 9.147
10.888 10.487 10.084 9.681 9.280
10.960
75 76 77 78 79
4.301 4.261 4.216 4.168 4.116
6.969 6.813 6.648 6.473 6.289
8.307 8.024 7.732 7.433 7.129
8.783 8.417 8.051 7.687 7.326
8.881
80 81 82 83 84
4.060 3.999 3.933 3.863 3.787
6.097 5.895 5.687 5.472 5.251
6.821 6.512 6.203 5.896 5.594
6.970
85 86 87 88 89
3.707 3.621 3.531 3.435 3.334
5.026 4.798 4.570 4.342 4.115
5.297
90 91 92 93 94 95
3.230 3.121 3.008 2.892 2.774 2.655
3.893
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
99
Interest Rate: 4.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.616 4.615 4.615 4.614 4.614
8.377 8.375 8.374 8.374 8.375
11.444 11.442 11.442 11.443 11.445
13.948 13.946 13.947 13.948 13.951
15.990 15.989 15.989 15.990 15.991
17.653 17.650 17.647 17.646 17.644
18.998 18.990 18.984 18.977 18.971
20.074 20.060 20.047 20.033 20.018
20.920 20.898 20.875 20.851 20.824
21.566 21.533 21.497 21.459 21.418
20 21 22 23 24
25 26 27 28 29
4.614 4.614 4.615 4.616 4.616
8.376 8.378 8.380 8.382 8.385
11.448 11.451 11.454 11.457 11.460
13.954 13.957 13.961 13.963 13.965
15.993 15.995 15.996 15.996 15.994
17.643 17.641 17.637 17.631 17.622
18.963 18.954 18.942 18.927 18.907
20.001 19.981 19.958 19.930 19.896
20.794 20.761 20.722 20.677 20.625
21.372 21.321 21.263 21.198 21.125
25 26 27 28 29
30 31 32 33 34
4.617 4.618 4.618 4.618 4.618
8.386 8.388 8.388 8.388 8.388
11.462 11.463 11.462 11.461 11.457
13.965 13.963 13.959 13.953 13.944
15.989 15.982 15.971 15.957 15.939
17.609 17.592 17.571 17.546 17.515
18.883 18.853 18.818 18.776 18.727
19.856 19.809 19.755 19.692 19.620
20.565 20.497 20.419 20.331 20.233
21.042 20.950 20.846 20.732 20.607
30 31 32 33 34
35 36 37 38 39
4.618 4.618 4.618 4.617 4.616
8.386 8.385 8.382 8.379 8.376
11.453 11.447 11.440 11.431 11.421
13.933 13.920 13.904 13.886 13.865
15.918 15.893 15.864 15.831 15.794
17.479 17.438 17.391 17.338 17.279
18.671 18.608 18.538 18.459 18.373
19.540 19.450 19.351 19.242 19.123
20.124 20.005 19.875 19.734 19.581
20.470 20.322 20.163 19.993 19.811
35 36 37 38 39
40 41 42 43 44
4.616 4.615 4.614 4.613 4.611
8.372 8.367 8.361 8.354 8.346
11.410 11.396 11.381 11.364 11.343
13.841 13.814 13.783 13.749 13.710
15.753 15.706 15.654 15.596 15.531
17.213 17.141 17.060 16.971 16.873
18.277 18.172 18.057 17.931 17.793
18.993 18.852 18.699 18.533 18.354
19.416 19.240 19.052 18.851 18.637
19.619 19.416 19.202 18.977 18.741
40 41 42 43 44
45 46 47 48 49
4.609 4.607 4.604 4.602 4.599
8.337 8.326 8.315 8.302 8.288
11.320 11.295 11.267 11.236 11.202
13.666 13.618 13.565 13.507 13.444
15.458 15.379 15.293 15.199 15.096
16.764 16.646 16.518 16.379 16.229
17.642 17.480 17.306 17.120 16.920
18.162 17.957 17.740 17.510 17.268
18.410 18.173 17.924 17.665 17.396
18.495 18.240 17.976 17.705 17.425
45 46 47 48 49
50 51 52 53 54
4.595 4.592 4.588 4.583 4.578
8.273 8.256 8.237 8.217 8.194
11.165 11.124 11.079 11.030 10.976
13.374 13.298 13.215 13.124 13.025
14.984 14.862 14.729 14.586 14.431
16.067 15.892 15.704 15.503 15.289
16.707 16.481 16.241 15.987 15.720
17.013 16.747 16.469 16.179 15.880
17.117 16.829 16.533 16.228 15.915
17.138
50 51 52 53 54
55 56 57 58 59
4.573 4.567 4.560 4.553 4.545
8.169 8.141 8.111 8.078 8.041
10.916 10.851 10.780 10.702 10.617
12.917 12.800 12.672 12.534 12.385
14.264 14.084 13.890 13.684 13.463
15.060 14.817 14.560 14.290 14.006
15.441 15.149 14.845 14.531 14.206
15.570 15.252 14.925 14.591 14.251
15.596
55 56 57 58 59
100
Interest Rate: 4.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
13.904
60 61 62 63 64
4.536 4.526 4.515 4.503 4.490
8.001 7.957 7.909 7.856 7.799
10.525 10.424 10.315 10.196 10.068
12.224 12.050 11.864 11.665 11.453
13.228 12.979 12.716 12.440 12.150
13.709 13.399 13.078 12.747 12.407
13.872 13.530 13.180 12.825 12.464
65 66 67 68 69
4.476 4.460 4.442 4.423 4.402
7.736 7.667 7.592 7.511 7.422
9.930 9.780 9.620 9.448 9.265
11.227 10.988 10.735 10.470 10.192
11.848 11.534 11.209 10.876 10.534
12.058 11.703 11.343 10.978 10.611
12.100
70 71 72 73 74
4.379 4.354 4.326 4.296 4.262
7.326 7.223 7.111 6.991 6.863
9.069 8.862 8.643 8.413 8.172
9.903 9.604 9.295 8.978 8.655
10.186 9.834 9.478 9.120 8.763
10.242
75 76 77 78 79
4.226 4.187 4.144 4.097 4.046
6.725 6.578 6.422 6.257 6.083
7.921 7.660 7.391 7.116 6.834
8.327 7.996 7.663 7.332 7.002
8.406
80 81 82 83 84
3.991 3.932 3.868 3.800 3.726
5.901 5.711 5.513 5.310 5.100
6.550 6.263 5.976 5.690 5.408
6.677
85 86 87 88 89
3.648 3.565 3.477 3.383 3.286
4.887 4.671 4.453 4.236 4.021
5.130
90 91 92 93 94 95
3.183 3.077 2.968 2.855 2.740 2.624
3.808
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
101
Interest Rate: 5.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.532 4.532 4.531 4.531 4.531
8.053 8.051 8.050 8.050 8.051
10.789 10.788 10.788 10.788 10.790
12.919 12.918 12.918 12.919 12.922
14.576 14.574 14.574 14.575 14.576
15.861 15.858 15.856 15.855 15.854
16.851 16.846 16.841 16.836 16.831
17.607 17.597 17.588 17.578 17.567
18.174 18.158 18.142 18.125 18.107
18.587 18.564 18.540 18.514 18.486
20 21 22 23 24
25 26 27 28 29
4.531 4.531 4.531 4.532 4.533
8.052 8.054 8.056 8.058 8.060
10.793 10.796 10.799 10.802 10.804
12.925 12.928 12.931 12.933 12.935
14.578 14.580 14.581 14.581 14.580
15.853 15.852 15.850 15.845 15.838
16.826 16.820 16.811 16.800 16.786
17.556 17.542 17.525 17.505 17.481
18.087 18.064 18.037 18.006 17.969
18.456 18.422 18.383 18.339 18.288
25 26 27 28 29
30 31 32 33 34
4.533 4.534 4.534 4.535 4.535
8.062 8.063 8.064 8.064 8.063
10.806 10.807 10.806 10.805 10.802
12.935 12.933 12.930 12.925 12.917
14.576 14.570 14.562 14.550 14.535
15.829 15.816 15.799 15.778 15.753
16.768 16.745 16.718 16.685 16.647
17.452 17.417 17.376 17.329 17.275
17.926 17.877 17.821 17.757 17.685
18.231 18.167 18.094 18.013 17.924
30 31 32 33 34
35 36 37 38 39
4.535 4.534 4.534 4.533 4.533
8.062 8.060 8.058 8.055 8.052
10.798 10.793 10.786 10.778 10.769
12.908 12.896 12.882 12.866 12.848
14.517 14.496 14.472 14.444 14.413
15.724 15.690 15.652 15.609 15.561
16.603 16.554 16.498 16.436 16.367
17.214 17.145 17.070 16.986 16.895
17.605 17.517 17.421 17.316 17.202
17.826 17.720 17.605 17.481 17.349
35 36 37 38 39
40 41 42 43 44
4.532 4.531 4.530 4.529 4.528
8.048 8.043 8.038 8.032 8.024
10.759 10.747 10.733 10.717 10.699
12.827 12.803 12.777 12.746 12.712
14.378 14.338 14.294 14.244 14.189
15.507 15.447 15.381 15.308 15.227
16.291 16.208 16.116 16.016 15.905
16.795 16.686 16.567 16.439 16.300
17.079 16.946 16.804 16.652 16.490
17.208 17.059 16.900 16.733 16.557
40 41 42 43 44
45 46 47 48 49
4.526 4.523 4.521 4.518 4.516
8.015 8.005 7.995 7.983 7.970
10.677 10.654 10.629 10.601 10.570
12.673 12.631 12.584 12.533 12.477
14.127 14.060 13.986 13.905 13.817
15.137 15.039 14.933 14.818 14.694
15.784 15.655 15.515 15.365 15.204
16.150 15.990 15.820 15.640 15.449
16.317 16.135 15.944 15.744 15.535
16.371 16.178 15.977 15.769 15.554
45 46 47 48 49
50 51 52 53 54
4.512 4.509 4.505 4.501 4.496
7.955 7.939 7.921 7.902 7.881
10.536 10.499 10.458 10.413 10.363
12.416 12.349 12.275 12.195 12.108
13.722 13.617 13.504 13.381 13.249
14.559 14.415 14.259 14.091 13.913
15.032 14.849 14.655 14.449 14.231
15.248 15.037 14.815 14.584 14.344
15.318 15.092 14.858 14.617 14.368
15.331
50 51 52 53 54
55 56 57 58 59
4.491 4.485 4.478 4.471 4.463
7.857 7.831 7.803 7.771 7.737
10.309 10.250 10.185 10.114 10.037
12.012 11.908 11.796 11.674 11.541
13.105 12.951 12.785 12.607 12.417
13.722 13.519 13.304 13.076 12.837
14.003 13.764 13.514 13.255 12.985
14.094 13.837 13.571 13.297 13.017
14.112
55 56 57 58 59
102
Interest Rate: 5.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
12.730
60 61 62 63 64
4.455 4.445 4.435 4.423 4.410
7.699 7.658 7.613 7.563 7.508
9.952 9.861 9.761 9.653 9.535
11.399 11.245 11.080 10.903 10.715
12.214 11.999 11.772 11.533 11.281
12.587 12.325 12.053 11.771 11.481
12.708 12.422 12.129 11.829 11.523
65 66 67 68 69
4.396 4.381 4.364 4.345 4.325
7.449 7.384 7.314 7.237 7.154
9.409 9.272 9.125 8.968 8.800
10.514 10.301 10.076 9.839 9.591
11.018 10.745 10.462 10.169 9.869
11.182 10.877 10.565 10.249 9.929
11.213
70 71 72 73 74
4.302 4.278 4.251 4.221 4.189
7.064 6.966 6.861 6.748 6.626
8.621 8.431 8.230 8.019 7.797
9.332 9.064 8.786 8.501 8.209
9.563 9.251 8.935 8.617 8.297
9.606
75 76 77 78 79
4.153 4.115 4.073 4.028 3.979
6.496 6.357 6.210 6.054 5.890
7.566 7.326 7.078 6.823 6.563
7.913 7.612 7.310 7.008 6.706
7.978
80 81 82 83 84
3.925 3.868 3.806 3.739 3.668
5.717 5.537 5.350 5.157 4.959
6.299 6.032 5.765 5.498 5.234
6.408
85 86 87 88 89
3.591 3.510 3.424 3.334 3.239
4.756 4.550 4.343 4.136 3.931
4.974
90 91 92 93 94 95
3.139 3.036 2.929 2.819 2.707 2.593
3.728
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
103
Interest Rate: 6.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.452 4.451 4.451 4.450 4.450
7.750 7.748 7.747 7.747 7.748
10.195 10.193 10.193 10.194 10.195
12.009 12.008 12.008 12.009 12.011
13.355 13.354 13.354 13.354 13.356
14.351 14.349 14.347 14.347 14.346
15.084 15.079 15.075 15.072 15.069
15.617 15.609 15.602 15.595 15.588
15.998 15.986 15.975 15.963 15.951
16.263 16.246 16.230 16.212 16.194
20 21 22 23 24
25 26 27 28 29
4.450 4.451 4.451 4.452 4.452
7.749 7.751 7.753 7.754 7.756
10.198 10.200 10.203 10.206 10.208
12.014 12.017 12.020 12.022 12.024
13.358 13.360 13.361 13.362 13.361
14.346 14.346 14.344 14.341 14.336
15.065 15.061 15.055 15.047 15.036
15.579 15.570 15.558 15.544 15.526
15.937 15.921 15.902 15.881 15.855
16.173 16.151 16.124 16.094 16.060
25 26 27 28 29
30 31 32 33 34
4.453 4.453 4.454 4.454 4.454
7.758 7.759 7.760 7.760 7.759
10.210 10.211 10.210 10.209 10.207
12.024 12.023 12.020 12.015 12.009
13.358 13.353 13.346 13.336 13.324
14.329 14.318 14.305 14.288 14.268
15.023 15.005 14.984 14.959 14.929
15.505 15.479 15.448 15.413 15.371
15.824 15.789 15.748 15.701 15.648
16.020 15.975 15.923 15.865 15.801
30 31 32 33 34
35 36 37 38 39
4.454 4.454 4.453 4.453 4.452
7.758 7.757 7.755 7.752 7.749
10.203 10.198 10.192 10.185 10.177
12.001 11.990 11.978 11.964 11.948
13.309 13.291 13.270 13.247 13.220
14.244 14.217 14.185 14.150 14.110
14.894 14.855 14.810 14.761 14.706
15.325 15.272 15.214 15.149 15.078
15.588 15.522 15.450 15.371 15.285
15.730 15.653 15.568 15.477 15.380
35 36 37 38 39
40 41 42 43 44
4.452 4.451 4.450 4.449 4.447
7.745 7.741 7.736 7.730 7.723
10.167 10.156 10.144 10.129 10.112
11.930 11.909 11.885 11.859 11.828
13.190 13.156 13.119 13.076 13.029
14.066 14.016 13.962 13.901 13.833
14.646 14.579 14.505 14.424 14.335
15.001 14.916 14.824 14.723 14.614
15.192 15.091 14.983 14.867 14.742
15.275 15.164 15.045 14.919 14.785
40 41 42 43 44
45 46 47 48 49
4.445 4.443 4.441 4.438 4.436
7.714 7.705 7.695 7.684 7.671
10.093 10.072 10.049 10.023 9.995
11.794 11.757 11.715 11.670 11.621
12.976 12.918 12.855 12.786 12.710
13.759 13.678 13.589 13.494 13.390
14.238 14.133 14.020 13.898 13.768
14.496 14.370 14.236 14.093 13.941
14.608 14.468 14.319 14.163 13.999
14.643 14.495 14.341 14.179 14.011
45 46 47 48 49
50 51 52 53 54
4.432 4.429 4.425 4.421 4.416
7.658 7.643 7.626 7.608 7.588
9.964 9.930 9.893 9.852 9.807
11.567 11.507 11.442 11.371 11.293
12.628 12.538 12.441 12.336 12.221
13.278 13.157 13.027 12.887 12.737
13.628 13.479 13.320 13.151 12.973
13.780 13.611 13.433 13.247 13.052
13.828 13.649 13.463 13.269 13.069
13.836
50 51 52 53 54
55 56 57 58 59
4.411 4.406 4.399 4.392 4.385
7.566 7.541 7.514 7.485 7.452
9.757 9.703 9.644 9.579 9.508
11.209 11.117 11.017 10.908 10.791
12.098 11.965 11.822 11.668 11.504
12.576 12.406 12.224 12.033 11.830
12.785 12.587 12.381 12.165 11.940
12.850 12.639 12.421 12.195 11.963
12.861
55 56 57 58 59
104
Interest Rate: 6.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
11.723
60 61 62 63 64
4.376 4.367 4.357 4.346 4.333
7.417 7.378 7.335 7.288 7.237
9.431 9.347 9.256 9.157 9.049
10.664 10.528 10.381 10.224 10.056
11.328 11.142 10.945 10.736 10.517
11.618 11.395 11.163 10.922 10.672
11.707 11.467 11.219 10.965 10.704
65 66 67 68 69
4.320 4.305 4.288 4.270 4.250
7.181 7.120 7.053 6.981 6.903
8.933 8.808 8.674 8.530 8.375
9.876 9.686 9.485 9.273 9.051
10.288 10.048 9.800 9.543 9.278
10.415 10.151 9.880 9.605 9.324
10.438
70 71 72 73 74
4.228 4.204 4.178 4.149 4.118
6.817 6.725 6.626 6.519 6.404
8.211 8.037 7.852 7.657 7.453
8.819 8.577 8.327 8.069 7.805
9.007 8.730 8.449 8.164 7.877
9.040
75 76 77 78 79
4.084 4.046 4.005 3.961 3.913
6.281 6.150 6.011 5.864 5.708
7.240 7.018 6.788 6.553 6.311
7.536 7.263 6.988 6.711 6.435
7.589
80 81 82 83 84
3.861 3.805 3.745 3.680 3.611
5.545 5.374 5.197 5.013 4.825
6.066 5.818 5.569 5.320 5.073
6.160
85 86 87 88 89
3.537 3.458 3.374 3.286 3.193
4.632 4.437 4.239 4.042 3.845
4.828
90 91 92 93 94 95
3.096 2.995 2.891 2.784 2.675 2.564
3.651
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
105
Interest Rate: 7.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.374 4.374 4.373 4.373 4.373
7.466 7.465 7.464 7.464 7.464
9.653 9.652 9.652 9.652 9.654
11.202 11.201 11.201 11.202 11.204
12.298 12.297 12.297 12.297 12.299
13.072 13.070 13.069 13.068 13.068
13.615 13.611 13.608 13.606 13.604
13.992 13.986 13.981 13.976 13.971
14.249 14.241 14.233 14.224 14.216
14.420 14.408 14.397 14.385 14.373
20 21 22 23 24
25 26 27 28 29
4.373 4.373 4.373 4.374 4.375
7.465 7.467 7.469 7.471 7.472
9.656 9.658 9.661 9.663 9.666
11.206 11.209 11.211 11.213 11.215
12.300 12.302 12.304 12.304 12.304
13.068 13.068 13.067 13.065 13.062
13.601 13.599 13.595 13.589 13.581
13.965 13.959 13.951 13.941 13.928
14.207 14.196 14.183 14.168 14.150
14.359 14.344 14.326 14.306 14.282
25 26 27 28 29
30 31 32 33 34
4.375 4.376 4.376 4.377 4.377
7.474 7.475 7.476 7.476 7.475
9.667 9.668 9.668 9.667 9.664
11.215 11.215 11.212 11.208 11.203
12.302 12.298 12.292 12.284 12.274
13.056 13.048 13.037 13.024 13.007
13.571 13.558 13.541 13.521 13.497
13.912 13.893 13.870 13.842 13.811
14.128 14.102 14.072 14.037 13.997
14.254 14.222 14.185 14.143 14.096
30 31 32 33 34
35 36 37 38 39
4.377 4.376 4.376 4.375 4.375
7.474 7.473 7.471 7.468 7.465
9.661 9.657 9.651 9.645 9.637
11.195 11.187 11.176 11.163 11.149
12.261 12.246 12.228 12.208 12.185
12.988 12.965 12.939 12.910 12.877
13.470 13.438 13.403 13.363 13.319
13.774 13.734 13.688 13.638 13.583
13.953 13.903 13.848 13.788 13.722
14.044 13.987 13.924 13.857 13.783
35 36 37 38 39
40 41 42 43 44
4.374 4.373 4.372 4.371 4.370
7.462 7.458 7.453 7.448 7.441
9.629 9.619 9.607 9.594 9.579
11.133 11.115 11.094 11.070 11.043
12.159 12.131 12.098 12.062 12.021
12.840 12.799 12.754 12.703 12.647
13.270 13.216 13.157 13.091 13.019
13.522 13.455 13.382 13.303 13.217
13.651 13.574 13.490 13.400 13.303
13.705 13.620 13.530 13.434 13.331
40 41 42 43 44
45 46 47 48 49
4.368 4.366 4.364 4.361 4.359
7.433 7.424 7.415 7.404 7.392
9.561 9.542 9.520 9.497 9.471
11.013 10.980 10.943 10.903 10.859
11.976 11.926 11.871 11.812 11.747
12.584 12.516 12.443 12.363 12.276
12.940 12.854 12.762 12.663 12.556
13.123 13.022 12.915 12.800 12.679
13.199 13.088 12.972 12.848 12.718
13.221 13.106 12.985 12.859 12.726
45 46 47 48 49
50 51 52 53 54
4.355 4.352 4.348 4.344 4.340
7.380 7.365 7.350 7.333 7.314
9.443 9.412 9.378 9.340 9.299
10.811 10.758 10.701 10.637 10.569
11.676 11.599 11.515 11.424 11.325
12.181 12.080 11.970 11.852 11.726
12.441 12.319 12.188 12.049 11.901
12.549 12.413 12.269 12.117 11.958
12.581 12.438 12.288 12.132 11.969
12.587
50 51 52 53 54
55 56 57 58 59
4.335 4.329 4.323 4.317 4.309
7.293 7.270 7.244 7.217 7.186
9.254 9.204 9.150 9.090 9.026
10.493 10.412 10.323 10.226 10.122
11.218 11.103 10.979 10.845 10.703
11.590 11.446 11.292 11.129 10.957
11.745 11.581 11.408 11.228 11.039
11.791 11.618 11.437 11.249 11.055
11.799
55 56 57 58 59
106
Interest Rate: 7.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
10.854
60 61 62 63 64
4.301 4.292 4.282 4.271 4.259
7.152 7.116 7.075 7.031 6.983
8.955 8.878 8.794 8.704 8.605
10.009 9.887 9.756 9.615 9.465
10.550 10.388 10.216 10.034 9.842
10.776 10.585 10.386 10.178 9.963
10.842 10.639 10.428 10.210 9.987
65 66 67 68 69
4.246 4.231 4.215 4.197 4.178
6.930 6.872 6.809 6.741 6.667
8.499 8.384 8.261 8.128 7.986
9.305 9.135 8.954 8.764 8.564
9.641 9.430 9.211 8.984 8.750
9.740 9.510 9.274 9.033 8.786
9.757
70 71 72 73 74
4.157 4.133 4.108 4.080 4.049
6.587 6.500 6.406 6.305 6.196
7.835 7.674 7.504 7.325 7.136
8.355 8.137 7.911 7.678 7.438
8.509 8.262 8.011 7.755 7.497
8.535
75 76 77 78 79
4.016 3.980 3.940 3.897 3.851
6.080 5.956 5.824 5.684 5.537
6.939 6.734 6.522 6.303 6.079
7.193 6.944 6.693 6.439 6.184
7.237
80 81 82 83 84
3.800 3.746 3.687 3.624 3.556
5.382 5.220 5.052 4.878 4.698
5.850 5.619 5.386 5.153 4.921
5.931
85 86 87 88 89
3.484 3.407 3.326 3.240 3.149
4.515 4.329 4.141 3.952 3.764
4.692
90 91 92 93 94 95
3.055 2.956 2.855 2.750 2.644 2.535
3.578
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
107
Interest Rate: 8.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.300 4.299 4.298 4.298 4.298
7.201 7.199 7.198 7.198 7.199
9.159 9.158 9.158 9.158 9.159
10.483 10.482 10.482 10.483 10.484
11.378 11.377 11.376 11.377 11.378
11.981 11.979 11.978 11.977 11.978
12.384 12.381 12.379 12.377 12.376
12.652 12.647 12.643 12.640 12.636
12.826 12.820 12.814 12.808 12.803
12.937 12.928 12.920 12.912 12.904
20 21 22 23 24
25 26 27 28 29
4.298 4.298 4.299 4.299 4.300
7.200 7.201 7.203 7.205 7.206
9.161 9.164 9.166 9.168 9.171
10.487 10.489 10.492 10.494 10.495
11.380 11.382 11.383 11.384 11.384
11.978 11.978 11.978 11.977 11.974
12.374 12.373 12.370 12.366 12.360
12.633 12.628 12.623 12.616 12.607
12.796 12.789 12.780 12.770 12.757
12.895 12.885 12.873 12.859 12.842
25 26 27 28 29
30 31 32 33 34
4.300 4.301 4.301 4.302 4.302
7.208 7.209 7.209 7.210 7.209
9.172 9.173 9.173 9.172 9.170
10.496 10.495 10.493 10.490 10.485
11.382 11.379 11.374 11.368 11.359
11.970 11.964 11.955 11.944 11.931
12.353 12.342 12.330 12.314 12.295
12.595 12.580 12.563 12.542 12.517
12.741 12.722 12.700 12.674 12.644
12.823 12.800 12.773 12.743 12.708
30 31 32 33 34
35 36 37 38 39
4.302 4.301 4.301 4.301 4.300
7.208 7.207 7.205 7.203 7.200
9.167 9.163 9.158 9.152 9.145
10.479 10.471 10.461 10.450 10.438
11.348 11.335 11.320 11.303 11.283
11.914 11.896 11.874 11.850 11.822
12.273 12.248 12.219 12.187 12.151
12.489 12.457 12.422 12.382 12.338
12.610 12.572 12.530 12.484 12.433
12.669 12.626 12.579 12.528 12.473
35 36 37 38 39
40 41 42 43 44
4.299 4.299 4.298 4.297 4.295
7.197 7.193 7.188 7.183 7.177
9.137 9.128 9.118 9.105 9.091
10.423 10.407 10.389 10.368 10.344
11.261 11.236 11.209 11.177 11.142
11.791 11.757 11.719 11.677 11.630
12.112 12.068 12.019 11.966 11.907
12.290 12.237 12.180 12.116 12.047
12.378 12.318 12.253 12.182 12.106
12.413 12.348 12.279 12.204 12.124
40 41 42 43 44
45 46 47 48 49
4.293 4.291 4.289 4.287 4.284
7.169 7.161 7.152 7.142 7.131
9.075 9.058 9.038 9.017 8.993
10.317 10.287 10.255 10.219 10.180
11.103 11.060 11.013 10.961 10.905
11.577 11.520 11.458 11.390 11.317
11.842 11.772 11.696 11.614 11.526
11.972 11.891 11.804 11.712 11.613
12.023 11.936 11.843 11.744 11.640
12.038 11.947 11.852 11.751 11.645
45 46 47 48 49
50 51 52 53 54
4.281 4.278 4.274 4.270 4.266
7.119 7.105 7.091 7.074 7.057
8.967 8.939 8.907 8.873 8.835
10.137 10.090 10.039 9.982 9.921
10.843 10.776 10.704 10.625 10.539
11.237 11.152 11.059 10.959 10.851
11.431 11.329 11.221 11.105 10.982
11.508 11.396 11.278 11.154 11.023
11.530 11.414 11.292 11.164 11.030
11.533
50 51 52 53 54
55 56 57 58 59
4.261 4.256 4.250 4.243 4.236
7.037 7.015 6.991 6.965 6.936
8.794 8.748 8.698 8.644 8.585
9.854 9.781 9.702 9.616 9.522
10.446 10.346 10.238 10.122 9.997
10.736 10.613 10.482 10.343 10.196
10.852 10.714 10.569 10.416 10.257
10.885 10.740 10.589 10.432 10.268
10.890
55 56 57 58 59
108
Interest Rate: 8.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
10.098
60 61 62 63 64
4.228 4.219 4.210 4.199 4.187
6.904 6.870 6.832 6.790 6.744
8.520 8.449 8.372 8.289 8.198
9.421 9.312 9.195 9.069 8.935
9.864 9.722 9.571 9.411 9.243
10.040 9.876 9.704 9.524 9.337
10.090 9.916 9.735 9.548 9.355
65 66 67 68 69
4.175 4.160 4.145 4.128 4.109
6.694 6.640 6.580 6.516 6.446
8.101 7.995 7.881 7.760 7.629
8.791 8.638 8.476 8.304 8.124
9.065 8.880 8.686 8.485 8.276
9.143 8.942 8.735 8.522 8.305
9.156
70 71 72 73 74
4.088 4.065 4.040 4.013 3.984
6.370 6.287 6.199 6.103 6.000
7.490 7.341 7.184 7.019 6.844
7.935 7.738 7.533 7.321 7.103
8.061 7.841 7.615 7.385 7.152
8.082
75 76 77 78 79
3.951 3.916 3.877 3.835 3.790
5.890 5.773 5.648 5.516 5.376
6.662 6.472 6.275 6.071 5.863
6.880 6.652 6.421 6.188 5.954
6.916
80 81 82 83 84
3.741 3.688 3.631 3.569 3.503
5.229 5.075 4.915 4.749 4.579
5.650 5.434 5.216 4.998 4.780
5.719
85 86 87 88 89
3.433 3.358 3.279 3.195 3.107
4.404 4.227 4.047 3.867 3.687
4.564
90 91 92 93 94 95
3.015 2.919 2.820 2.718 2.614 2.508
3.509
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
109
Interest Rate: 9.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.228 4.227 4.226 4.226 4.226
6.952 6.950 6.949 6.949 6.950
8.708 8.706 8.706 8.706 8.708
9.841 9.840 9.840 9.841 9.842
10.573 10.572 10.571 10.572 10.573
11.044 11.042 11.041 11.041 11.041
11.345 11.342 11.340 11.339 11.338
11.535 11.532 11.529 11.526 11.524
11.654 11.649 11.645 11.641 11.637
11.726 11.719 11.714 11.708 11.703
20 21 22 23 24
25 26 27 28 29
4.226 4.226 4.227 4.227 4.228
6.951 6.952 6.953 6.955 6.957
8.709 8.712 8.714 8.716 8.718
9.844 9.847 9.849 9.851 9.852
10.575 10.576 10.578 10.579 10.579
11.042 11.042 11.042 11.042 11.040
11.337 11.337 11.335 11.332 11.328
11.521 11.519 11.515 11.510 11.503
11.633 11.628 11.622 11.615 11.606
11.697 11.690 11.682 11.673 11.661
25 26 27 28 29
30 31 32 33 34
4.228 4.229 4.229 4.230 4.230
6.958 6.959 6.960 6.960 6.960
8.719 8.720 8.720 8.719 8.718
9.853 9.852 9.851 9.848 9.844
10.578 10.575 10.572 10.566 10.558
11.037 11.032 11.025 11.016 11.005
11.322 11.314 11.304 11.292 11.277
11.495 11.484 11.471 11.454 11.435
11.594 11.581 11.564 11.544 11.521
11.647 11.631 11.611 11.589 11.563
30 31 32 33 34
35 36 37 38 39
4.230 4.229 4.229 4.229 4.228
6.959 6.957 6.955 6.953 6.951
8.715 8.711 8.707 8.701 8.695
9.838 9.831 9.823 9.813 9.802
10.549 10.538 10.525 10.510 10.494
10.992 10.976 10.958 10.937 10.914
11.259 11.239 11.215 11.189 11.160
11.413 11.388 11.360 11.328 11.293
11.495 11.466 11.433 11.397 11.358
11.534 11.501 11.466 11.426 11.384
35 36 37 38 39
40 41 42 43 44
4.227 4.227 4.226 4.225 4.223
6.948 6.944 6.940 6.935 6.929
8.688 8.679 8.670 8.659 8.646
9.789 9.775 9.758 9.740 9.719
10.475 10.453 10.429 10.402 10.372
10.889 10.860 10.828 10.792 10.752
11.128 11.092 11.052 11.008 10.959
11.255 11.213 11.166 11.115 11.059
11.315 11.267 11.216 11.160 11.099
11.337 11.287 11.233 11.174 11.111
40 41 42 43 44
45 46 47 48 49
4.222 4.220 4.218 4.215 4.213
6.922 6.914 6.906 6.896 6.886
8.631 8.615 8.597 8.577 8.556
9.694 9.668 9.639 9.607 9.572
10.337 10.300 10.259 10.214 10.165
10.708 10.660 10.607 10.550 10.487
10.905 10.847 10.784 10.717 10.643
10.998 10.932 10.862 10.786 10.706
11.033 10.963 10.888 10.808 10.724
11.043 10.971 10.894 10.813 10.727
45 46 47 48 49
50 51 52 53 54
4.210 4.207 4.203 4.199 4.195
6.874 6.862 6.848 6.832 6.815
8.532 8.506 8.477 8.445 8.411
9.534 9.492 9.446 9.396 9.341
10.112 10.054 9.990 9.921 9.846
10.420 10.347 10.268 10.183 10.091
10.564 10.480 10.389 10.292 10.189
10.619 10.528 10.430 10.327 10.218
10.634 10.539 10.439 10.334 10.223
10.637
50 51 52 53 54
55 56 57 58 59
4.190 4.185 4.179 4.173 4.166
6.797 6.776 6.754 6.729 6.702
8.373 8.331 8.285 8.235 8.180
9.281 9.216 9.145 9.068 8.984
9.765 9.678 9.583 9.482 9.373
9.993 9.887 9.775 9.655 9.528
10.079 9.963 9.840 9.710 9.574
10.102 9.981 9.854 9.721 9.582
10.106
55 56 57 58 59
110
Interest Rate: 9.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
9.437
60 61 62 63 64
4.158 4.150 4.140 4.130 4.118
6.672 6.639 6.603 6.563 6.520
8.121 8.056 7.985 7.908 7.825
8.894 8.796 8.691 8.578 8.457
9.256 9.131 8.999 8.858 8.709
9.394 9.252 9.103 8.946 8.783
9.431 9.282 9.126 8.964 8.796
65 66 67 68 69
4.106 4.092 4.077 4.060 4.042
6.473 6.421 6.365 6.304 6.238
7.735 7.638 7.533 7.421 7.300
8.327 8.189 8.043 7.888 7.725
8.552 8.388 8.215 8.036 7.850
8.613 8.437 8.254 8.066 7.872
8.623
70 71 72 73 74
4.022 4.000 3.975 3.949 3.920
6.166 6.088 6.004 5.913 5.816
7.172 7.035 6.889 6.736 6.575
7.554 7.375 7.189 6.996 6.797
7.658 7.459 7.256 7.049 6.837
7.674
75 76 77 78 79
3.888 3.854 3.816 3.776 3.731
5.712 5.601 5.482 5.356 5.224
6.405 6.229 6.046 5.856 5.662
6.593 6.384 6.172 5.957 5.740
6.622
80 81 82 83 84
3.684 3.632 3.576 3.516 3.452
5.084 4.938 4.786 4.628 4.466
5.463 5.261 5.057 4.852 4.647
5.523
85 86 87 88 89
3.384 3.311 3.233 3.152 3.066
4.299 4.130 3.958 3.786 3.614
4.443
90 91 92 93 94 95
2.976 2.882 2.786 2.686 2.584 2.481
3.443
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
111
Interest Rate: 10.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
20 21 22 23 24
4.158 4.157 4.157 4.157 4.156
6.718 6.716 6.716 6.715 6.716
8.294 8.293 8.293 8.293 8.294
9.266 9.265 9.265 9.266 9.267
9.866 9.865 9.864 9.865 9.866
10.234 10.233 10.232 10.232 10.232
10.460 10.457 10.456 10.455 10.454
10.596 10.593 10.590 10.589 10.587
10.677 10.673 10.670 10.667 10.664
10.723 10.719 10.715 10.711 10.707
20 21 22 23 24
25 26 27 28 29
4.156 4.157 4.157 4.158 4.158
6.717 6.718 6.719 6.721 6.723
8.296 8.298 8.300 8.302 8.304
9.269 9.271 9.273 9.275 9.276
9.867 9.869 9.870 9.871 9.872
10.233 10.234 10.234 10.234 10.233
10.454 10.454 10.453 10.451 10.448
10.586 10.584 10.582 10.578 10.574
10.662 10.659 10.655 10.650 10.643
10.703 10.699 10.694 10.688 10.680
25 26 27 28 29
30 31 32 33 34
4.159 4.159 4.160 4.160 4.160
6.724 6.725 6.725 6.726 6.725
8.305 8.306 8.306 8.305 8.303
9.277 9.277 9.276 9.273 9.269
9.871 9.869 9.866 9.861 9.855
10.230 10.227 10.221 10.214 10.205
10.444 10.438 10.430 10.420 10.408
10.567 10.559 10.549 10.536 10.521
10.635 10.625 10.612 10.598 10.580
10.670 10.658 10.644 10.627 10.607
30 31 32 33 34
35 36 37 38 39
4.160 4.160 4.159 4.159 4.158
6.724 6.723 6.721 6.719 6.717
8.301 8.298 8.294 8.289 8.283
9.264 9.258 9.251 9.242 9.232
9.847 9.838 9.826 9.814 9.799
10.193 10.180 10.165 10.148 10.129
10.393 10.377 10.358 10.336 10.312
10.504 10.484 10.461 10.436 10.408
10.560 10.537 10.511 10.483 10.452
10.585 10.560 10.532 10.502 10.469
35 36 37 38 39
40 41 42 43 44
4.158 4.157 4.156 4.155 4.154
6.714 6.711 6.707 6.702 6.696
8.276 8.269 8.260 8.250 8.238
9.221 9.208 9.194 9.177 9.158
9.783 9.764 9.743 9.720 9.693
10.107 10.083 10.055 10.025 9.991
10.286 10.256 10.223 10.187 10.146
10.377 10.342 10.305 10.263 10.218
10.417 10.380 10.339 10.294 10.245
10.432 10.393 10.350 10.303 10.253
40 41 42 43 44
45 46 47 48 49
4.152 4.150 4.148 4.146 4.143
6.690 6.682 6.674 6.665 6.656
8.224 8.209 8.193 8.175 8.155
9.136 9.113 9.087 9.058 9.027
9.663 9.631 9.595 9.556 9.513
9.953 9.912 9.867 9.819 9.765
10.101 10.053 10.000 9.944 9.882
10.168 10.114 10.056 9.994 9.927
10.192 10.135 10.074 10.009 9.939
10.198 10.140 10.078 10.012 9.941
45 46 47 48 49
50 51 52 53 54
4.141 4.138 4.134 4.130 4.126
6.645 6.633 6.620 6.605 6.589
8.133 8.109 8.083 8.053 8.021
8.993 8.955 8.914 8.869 8.820
9.466 9.415 9.360 9.300 9.234
9.708 9.645 9.578 9.505 9.426
9.816 9.745 9.668 9.587 9.499
9.855 9.779 9.698 9.611 9.520
9.865 9.787 9.704 9.616 9.523
9.867
50 51 52 53 54
55 56 57 58 59
4.122 4.117 4.111 4.105 4.098
6.571 6.552 6.531 6.507 6.481
7.986 7.948 7.906 7.860 7.810
8.766 8.707 8.644 8.574 8.499
9.163 9.086 9.004 8.914 8.818
9.341 9.251 9.154 9.050 8.940
9.406 9.307 9.202 9.091 8.974
9.423 9.321 9.213 9.099 8.980
9.425
55 56 57 58 59
112
Interest Rate: 10.0% ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
8.856
60 61 62 63 64
4.090 4.082 4.073 4.063 4.052
6.453 6.422 6.388 6.350 6.310
7.755 7.695 7.630 7.559 7.482
8.418 8.330 8.235 8.134 8.024
8.715 8.605 8.488 8.364 8.232
8.823 8.700 8.570 8.433 8.290
8.851 8.722 8.587 8.447 8.300
65 66 67 68 69
4.040 4.026 4.011 3.995 3.977
6.265 6.216 6.163 6.105 6.042
7.399 7.309 7.213 7.109 6.997
7.908 7.783 7.651 7.511 7.363
8.092 7.946 7.792 7.632 7.465
8.140 7.984 7.823 7.655 7.483
8.147
70 71 72 73 74
3.958 3.936 3.912 3.887 3.859
5.974 5.901 5.821 5.735 5.643
6.878 6.752 6.617 6.475 6.325
7.207 7.044 6.875 6.699 6.517
7.292 7.114 6.930 6.742 6.549
7.305
75 76 77 78 79
3.828 3.794 3.758 3.718 3.675
5.544 5.438 5.326 5.206 5.080
6.168 6.004 5.833 5.657 5.475
6.329 6.138 5.942 5.743 5.543
6.354
80 81 82 83 84
3.628 3.578 3.524 3.465 3.403
4.948 4.809 4.664 4.514 4.359
5.289 5.100 4.909 4.716 4.522
5.341
85 86 87 88 89
3.336 3.265 3.190 3.110 3.026
4.200 4.038 3.874 3.709 3.544
4.330
90 91 92 93 94 95
2.938 2.847 2.753 2.656 2.556 2.455
3.380
45
50
Term Age 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95
113
Interest Rate:
0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
29.187 28.224 27.265 26.309 25.354
33.837 32.881 31.928 30.980 30.033
38.399 37.448 36.502 35.561 34.623
42.822 41.877 40.938 40.004 39.074
47.007 46.067 45.135 44.208 43.285
20 21 22 23 24
25 26 27 28 29
24.400 23.446 22.491 21.534 20.575
29.088 28.144 27.198 26.250 25.300
33.687 32.751 31.815 30.876 29.935
38.147 37.220 36.292 35.363 34.430
42.365 41.447 40.528 39.607 38.683
25 26 27 28 29
30 31 32 33 34
19.613 18.648 17.680 16.710 15.738
24.347 23.391 22.433 21.471 20.508
28.991 28.044 27.094 26.141 25.186
33.495 32.557 31.615 30.670 29.723
37.756 36.825 35.891 34.954 34.015
30 31 32 33 34
35 36 37 38 39
14.765 13.790 12.814 11.837 10.860
19.543 18.577 17.610 16.642 15.675
24.229 23.272 22.314 21.356 20.398
28.774 27.825 26.876 25.927 24.979
33.074 32.133 31.191 30.251 29.312
35 36 37 38 39
40 41 42 43 44
9.882 8.902 7.922 6.940 5.956
14.707 13.739 12.770 11.801 10.830
19.441 18.484 17.527 16.569 15.612
24.031 23.085 22.139 21.194 20.249
28.374 27.438 26.503 25.569 24.635
40 41 42 43 44
114
Interest Rate:
0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.970 3.981 2.991 1.997 1.000
9.858 8.884 7.908 6.930 5.949
14.653 13.693 12.732 11.769 10.804
19.303 18.357 17.410 16.462 15.511
23.702 22.769 21.835 20.901 19.965
45 46 47 48 49
4.965 3.979 2.989 1.996 1.000
9.836 8.866 7.894 6.918 5.940
14.560 13.606 12.650 11.691 10.730
19.028 18.089 17.149 16.206 15.261
50 51 52 53 54
4.958 3.973 2.985 1.995 1.000
9.766 8.799 7.832 6.864 5.895
14.314 13.365 12.417 11.471 10.526
55 56 57 58 59
4.925 3.951 2.974 1.990 1.000
9.583 8.641 7.699 6.757 5.812
60 61 62 63 64
4.865 3.912 2.952 1.983 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
115
Interest Rate:
1.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
25.399 24.675 23.948 23.216 22.478
28.781 28.096 27.408 26.716 26.020
31.938 31.289 30.638 29.984 29.326
34.852 34.235 33.618 32.998 32.376
37.474 36.887 36.300 35.713 35.123
20 21 22 23 24
25 26 27 28 29
21.734 20.983 20.223 19.454 18.675
25.318 24.610 23.893 23.169 22.435
28.663 27.995 27.319 26.636 25.943
31.750 31.119 30.481 29.835 29.181
34.529 33.931 33.327 32.715 32.096
25 26 27 28 29
30 31 32 33 34
17.886 17.087 16.278 15.459 14.630
21.691 20.937 20.174 19.400 18.618
25.241 24.530 23.809 23.079 22.340
28.518 27.846 27.164 26.473 25.774
31.467 30.830 30.184 29.529 28.866
30 31 32 33 34
35 36 37 38 39
13.791 12.942 12.084 11.217 10.341
17.826 17.025 16.216 15.398 14.572
21.592 20.835 20.072 19.300 18.522
25.067 24.352 23.630 22.901 22.166
28.195 27.517 26.833 26.143 25.447
35 36 37 38 39
40 41 42 43 44
9.455 8.559 7.654 6.738 5.811
13.738 12.895 12.044 11.183 10.313
17.736 16.942 16.141 15.332 14.515
21.425 20.677 19.923 19.161 18.393
24.746 24.039 23.326 22.608 21.883
40 41 42 43 44
116
Interest Rate:
1.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.873 3.923 2.961 1.987 1.000
9.433 8.542 7.641 6.728 5.804
13.689 12.854 12.009 11.154 10.288
17.616 16.832 16.039 15.237 14.426
21.152 20.413 19.667 18.913 18.151
45 46 47 48 49
4.868 3.920 2.960 1.987 1.000
9.412 8.525 7.627 6.717 5.795
13.605 12.775 11.934 11.082 10.220
17.380 16.600 15.811 15.012 14.203
50 51 52 53 54
4.861 3.915 2.956 1.985 1.000
9.347 8.462 7.568 6.665 5.753
13.385 12.556 11.721 10.879 10.031
55 56 57 58 59
4.829 3.893 2.944 1.981 1.000
9.176 8.313 7.443 6.563 5.673
60 61 62 63 64
4.771 3.855 2.923 1.973 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
117
Interest Rate:
2.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
22.293 21.748 21.194 20.632 20.061
24.762 24.269 23.770 23.264 22.750
26.956 26.510 26.059 25.602 25.139
28.883 28.478 28.069 27.656 27.238
30.534 30.164 29.792 29.417 29.037
20 21 22 23 24
25 26 27 28 29
19.479 18.886 18.280 17.661 17.028
22.227 21.694 21.150 20.594 20.026
24.669 24.190 23.701 23.201 22.690
26.814 26.382 25.941 25.491 25.030
28.652 28.260 27.861 27.453 27.035
25 26 27 28 29
30 31 32 33 34
16.380 15.717 15.039 14.346 13.637
19.444 18.848 18.239 17.615 16.978
22.166 21.630 21.082 20.520 19.946
24.558 24.074 23.579 23.072 22.554
26.608 26.169 25.720 25.260 24.789
30 31 32 33 34
35 36 37 38 39
12.913 12.173 11.418 10.647 9.861
16.327 15.662 14.983 14.291 13.585
19.360 18.761 18.151 17.528 16.894
22.025 21.484 20.933 20.372 19.801
24.308 23.818 23.318 22.809 22.292
35 36 37 38 39
40 41 42 43 44
9.058 8.238 7.401 6.546 5.672
12.865 12.130 11.381 10.616 9.835
16.247 15.588 14.917 14.232 13.533
19.219 18.626 18.023 17.409 16.782
21.765 21.230 20.685 20.131 19.567
40 41 42 43 44
118
Interest Rate:
2.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.779 3.866 2.932 1.977 1.000
9.037 8.222 7.389 6.537 5.666
12.820 12.092 11.348 10.588 9.812
16.143 15.492 14.827 14.147 13.454
18.992 18.406 17.808 17.198 16.575
45 46 47 48 49
4.775 3.864 2.931 1.977 1.000
9.018 8.206 7.376 6.526 5.657
12.745 12.020 11.280 10.523 9.749
15.939 15.290 14.626 13.948 13.255
50 51 52 53 54
4.768 3.858 2.927 1.975 1.000
8.957 8.147 7.320 6.477 5.616
12.547 11.822 11.085 10.335 9.573
55 56 57 58 59
4.737 3.837 2.916 1.971 1.000
8.796 8.006 7.200 6.379 5.539
60 61 62 63 64
4.680 3.800 2.895 1.963 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
119
Interest Rate:
3.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
19.730 19.317 18.895 18.463 18.019
21.538 21.182 20.818 20.447 20.066
23.068 22.759 22.446 22.126 21.799
24.348 24.080 23.808 23.531 23.248
25.392 25.157 24.919 24.678 24.432
20 21 22 23 24
25 26 27 28 29
17.563 17.093 16.609 16.109 15.593
19.675 19.273 18.859 18.432 17.990
21.463 21.119 20.764 20.397 20.018
22.959 22.662 22.357 22.042 21.716
24.180 23.923 23.658 23.384 23.101
25 26 27 28 29
30 31 32 33 34
15.060 14.509 13.940 13.353 12.746
17.534 17.062 16.574 16.071 15.550
19.627 19.222 18.803 18.370 17.924
21.378 21.029 20.668 20.295 19.909
22.808 22.505 22.191 21.866 21.530
30 31 32 33 34
35 36 37 38 39
12.120 11.474 10.809 10.123 9.416
15.014 14.460 13.890 13.303 12.699
17.462 16.987 16.498 15.994 15.476
19.511 19.101 18.680 18.246 17.800
21.184 20.827 20.461 20.084 19.698
35 36 37 38 39
40 41 42 43 44
8.688 7.937 7.163 6.364 5.540
12.076 11.435 10.775 10.094 9.392
14.943 14.395 13.831 13.250 12.652
17.342 16.872 16.388 15.891 15.379
19.301 18.894 18.476 18.047 17.606
40 41 42 43 44
120
Interest Rate:
3.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.689 3.811 2.904 1.968 1.000
8.668 7.922 7.151 6.356 5.534
12.035 11.400 10.745 10.068 9.371
14.853 14.310 13.751 13.175 12.581
17.152 16.686 16.206 15.711 15.201
45 46 47 48 49
4.685 3.809 2.903 1.967 1.000
8.650 7.907 7.139 6.345 5.526
11.968 11.335 10.682 10.008 9.312
14.676 14.134 13.575 12.998 12.403
50 51 52 53 54
4.679 3.803 2.900 1.966 1.000
8.593 7.851 7.086 6.298 5.486
11.789 11.155 10.503 9.835 9.148
55 56 57 58 59
4.648 3.783 2.888 1.962 1.000
8.443 7.718 6.972 6.204 5.412
60 61 62 63 64
4.593 3.747 2.868 1.954 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
121
Interest Rate:
4.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
17.600 17.287 16.964 16.630 16.284
18.928 18.670 18.404 18.130 17.847
19.999 19.785 19.565 19.340 19.108
20.852 20.674 20.491 20.304 20.113
21.516 21.365 21.211 21.055 20.894
20 21 22 23 24
25 26 27 28 29
15.925 15.553 15.165 14.761 14.340
17.554 17.250 16.934 16.605 16.261
18.868 18.619 18.360 18.091 17.809
19.915 19.710 19.497 19.276 19.044
20.729 20.559 20.382 20.197 20.005
25 26 27 28 29
30 31 32 33 34
13.901 13.442 12.963 12.464 11.944
15.902 15.527 15.136 14.728 14.303
17.516 17.209 16.888 16.554 16.205
18.802 18.549 18.285 18.009 17.721
19.803 19.592 19.372 19.141 18.900
30 31 32 33 34
35 36 37 38 39
11.402 10.838 10.251 9.640 9.005
13.860 13.399 12.919 12.420 11.902
15.841 15.463 15.070 14.661 14.237
17.421 17.109 16.785 16.449 16.100
18.650 18.389 18.119 17.839 17.549
35 36 37 38 39
40 41 42 43 44
8.343 7.654 6.938 6.191 5.413
11.363 10.802 10.219 9.613 8.982
13.797 13.340 12.865 12.372 11.859
15.738 15.364 14.975 14.571 14.153
17.249 16.938 16.616 16.283 15.937
40 41 42 43 44
122
Interest Rate:
4.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.603 3.758 2.877 1.958 1.000
8.324 7.640 6.927 6.183 5.408
11.325 10.770 10.191 9.589 8.962
13.718 13.265 12.795 12.305 11.795
15.579 15.207 14.820 14.418 13.999
45 46 47 48 49
4.599 3.756 2.876 1.958 1.000
8.307 7.626 6.915 6.173 5.400
11.264 10.711 10.135 9.534 8.907
13.564 13.111 12.640 12.148 11.636
50 51 52 53 54
4.593 3.750 2.872 1.956 1.000
8.254 7.573 6.865 6.128 5.361
11.103 10.547 9.970 9.373 8.754
55 56 57 58 59
4.563 3.730 2.861 1.952 1.000
8.113 7.447 6.756 6.038 5.290
60 61 62 63 64
4.510 3.695 2.841 1.945 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
123
Interest Rate:
5.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
15.818 15.579 15.331 15.072 14.802
16.796 16.608 16.413 16.210 15.999
17.548 17.399 17.244 17.085 16.919
18.120 18.000 17.876 17.750 17.619
18.544 18.446 18.345 18.243 18.137
20 21 22 23 24
25 26 27 28 29
14.520 14.224 13.913 13.586 13.241
15.779 15.549 15.307 15.052 14.784
16.747 16.567 16.378 16.179 15.969
17.483 17.341 17.192 17.036 16.871
18.028 17.915 17.796 17.671 17.539
25 26 27 28 29
30 31 32 33 34
12.878 12.495 12.093 11.668 11.222
14.501 14.203 13.888 13.557 13.209
15.748 15.515 15.269 15.009 14.736
16.697 16.513 16.318 16.113 15.897
17.400 17.252 17.096 16.932 16.758
30 31 32 33 34
35 36 37 38 39
10.752 10.258 9.739 9.195 8.622
12.842 12.457 12.052 11.628 11.183
14.449 14.147 13.830 13.499 13.151
15.670 15.432 15.182 14.920 14.647
16.576 16.384 16.184 15.975 15.756
35 36 37 38 39
40 41 42 43 44
8.021 7.389 6.725 6.027 5.292
10.715 10.225 9.710 9.169 8.601
12.786 12.404 12.004 11.584 11.144
14.361 14.061 13.748 13.420 13.076
15.528 15.290 15.041 14.782 14.510
40 41 42 43 44
124
Interest Rate:
5.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.520 3.707 2.851 1.949 1.000
8.003 7.375 6.714 6.019 5.287
10.681 10.195 9.684 9.147 8.582
12.716 12.338 11.941 11.525 11.086
14.226 13.928 13.616 13.288 12.944
45 46 47 48 49
4.516 3.704 2.850 1.949 1.000
7.987 7.362 6.703 6.009 5.279
10.626 10.142 9.632 9.096 8.532
12.583 12.203 11.804 11.385 10.944
50 51 52 53 54
4.510 3.699 2.846 1.947 1.000
7.937 7.312 6.655 5.966 5.242
10.480 9.992 9.481 8.947 8.388
55 56 57 58 59
4.481 3.680 2.835 1.943 1.000
7.804 7.193 6.552 5.879 5.173
60 61 62 63 64
4.429 3.645 2.815 1.936 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
125
Interest Rate:
6.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
14.316 14.134 13.943 13.742 13.531
15.040 14.902 14.758 14.607 14.450
15.570 15.464 15.355 15.242 15.123
15.954 15.872 15.788 15.702 15.612
16.226 16.161 16.095 16.027 15.957
20 21 22 23 24
25 26 27 28 29
13.308 13.072 12.822 12.556 12.274
14.284 14.108 13.923 13.725 13.516
14.999 14.868 14.730 14.583 14.426
15.518 15.419 15.315 15.204 15.086
15.885 15.809 15.729 15.644 15.553
25 26 27 28 29
30 31 32 33 34
11.973 11.654 11.314 10.952 10.568
13.292 13.054 12.801 12.532 12.246
14.259 14.081 13.892 13.690 13.475
14.960 14.826 14.682 14.529 14.367
15.456 15.352 15.241 15.123 14.997
30 31 32 33 34
35 36 37 38 39
10.161 9.728 9.269 8.783 8.267
11.942 11.619 11.278 10.916 10.533
13.247 13.006 12.750 12.480 12.194
14.194 14.011 13.818 13.614 13.398
14.864 14.722 14.573 14.416 14.250
35 36 37 38 39
40 41 42 43 44
7.720 7.139 6.524 5.870 5.177
10.127 9.697 9.242 8.759 8.247
11.892 11.572 11.234 10.876 10.497
13.171 12.931 12.678 12.411 12.129
14.076 13.893 13.700 13.497 13.283
40 41 42 43 44
126
Interest Rate:
6.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.440 3.657 2.825 1.940 1.000
7.703 7.126 6.514 5.863 5.171
10.095 9.670 9.218 8.738 8.229
11.830 11.513 11.178 10.823 10.446
13.057 12.818 12.565 12.297 12.014
45 46 47 48 49
4.436 3.655 2.824 1.940 1.000
7.688 7.113 6.503 5.854 5.164
10.046 9.621 9.170 8.691 8.182
11.714 11.395 11.057 10.698 10.318
50 51 52 53 54
4.430 3.649 2.820 1.938 1.000
7.641 7.066 6.457 5.812 5.128
9.913 9.484 9.031 8.553 8.048
55 56 57 58 59
4.402 3.630 2.809 1.934 1.000
7.516 6.954 6.359 5.729 5.061
60 61 62 63 64
4.352 3.596 2.790 1.927 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
127
Interest Rate:
7.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
13.043 12.903 12.756 12.599 12.434
13.580 13.478 13.371 13.259 13.141
13.955 13.880 13.802 13.721 13.636
14.214 14.158 14.100 14.040 13.978
14.389 14.346 14.301 14.256 14.209
20 21 22 23 24
25 26 27 28 29
12.257 12.069 11.867 11.651 11.420
13.016 12.882 12.739 12.586 12.421
13.546 13.451 13.349 13.240 13.122
13.913 13.844 13.770 13.692 13.607
14.161 14.109 14.055 13.997 13.934
25 26 27 28 29
30 31 32 33 34
11.170 10.903 10.616 10.307 9.977
12.245 12.054 11.850 11.630 11.395
12.996 12.860 12.713 12.556 12.387
13.516 13.417 13.311 13.196 13.073
13.866 13.793 13.714 13.628 13.536
30 31 32 33 34
35 36 37 38 39
9.622 9.243 8.836 8.401 7.936
11.142 10.872 10.583 10.274 9.944
12.206 12.012 11.805 11.584 11.349
12.941 12.801 12.650 12.491 12.321
13.438 13.333 13.221 13.102 12.976
35 36 37 38 39
40 41 42 43 44
7.438 6.904 6.333 5.721 5.066
9.591 9.214 8.811 8.379 7.917
11.098 10.829 10.543 10.238 9.911
12.140 11.947 11.742 11.524 11.291
12.843 12.701 12.551 12.392 12.223
40 41 42 43 44
128
Interest Rate:
7.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.362 3.608 2.800 1.932 1.000
7.422 6.892 6.324 5.714 5.060
9.562 9.189 8.788 8.360 7.900
11.043 10.777 10.494 10.190 9.865
12.042 11.850 11.645 11.426 11.191
45 46 47 48 49
4.359 3.606 2.798 1.931 1.000
7.408 6.880 6.313 5.705 5.053
9.517 9.144 8.745 8.316 7.857
10.941 10.673 10.386 10.079 9.750
50 51 52 53 54
4.353 3.601 2.795 1.930 1.000
7.364 6.835 6.270 5.666 5.019
9.397 9.019 8.616 8.188 7.732
55 56 57 58 59
4.326 3.583 2.784 1.926 1.000
7.246 6.728 6.176 5.586 4.954
60 61 62 63 64
4.277 3.549 2.765 1.918 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
129
Interest Rate:
8.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
11.957 11.849 11.735 11.613 11.482
12.356 12.281 12.201 12.117 12.028
12.622 12.568 12.513 12.454 12.393
12.798 12.759 12.718 12.677 12.633
12.911 12.881 12.851 12.820 12.789
20 21 22 23 24
25 26 27 28 29
11.342 11.192 11.029 10.853 10.662
11.933 11.831 11.721 11.602 11.472
12.327 12.258 12.183 12.101 12.013
12.588 12.540 12.488 12.431 12.370
12.756 12.721 12.684 12.644 12.601
25 26 27 28 29
30 31 32 33 34
10.456 10.231 9.988 9.725 9.440
11.332 11.180 11.014 10.835 10.641
11.917 11.813 11.700 11.576 11.443
12.304 12.231 12.152 12.066 11.973
12.553 12.501 12.444 12.381 12.314
30 31 32 33 34
35 36 37 38 39
9.131 8.798 8.437 8.048 7.628
10.431 10.204 9.959 9.695 9.410
11.298 11.143 10.975 10.794 10.599
11.872 11.763 11.646 11.520 11.385
12.241 12.162 12.078 11.988 11.892
35 36 37 38 39
40 41 42 43 44
7.174 6.683 6.153 5.579 4.959
9.102 8.771 8.413 8.027 7.610
10.390 10.165 9.923 9.661 9.380
11.241 11.086 10.919 10.741 10.548
11.789 11.679 11.562 11.436 11.302
40 41 42 43 44
130
Interest Rate:
8.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.288 3.562 2.775 1.923 1.000
7.159 6.671 6.143 5.572 4.954
9.076 8.747 8.393 8.009 7.594
10.341 10.118 9.878 9.618 9.338
11.157 11.002 10.835 10.655 10.461
45 46 47 48 49
4.285 3.559 2.774 1.923 1.000
7.145 6.660 6.134 5.564 4.947
9.035 8.707 8.352 7.969 7.554
10.252 10.026 9.782 9.519 9.234
50 51 52 53 54
4.279 3.554 2.770 1.921 1.000
7.104 6.618 6.093 5.526 4.914
8.925 8.592 8.234 7.849 7.436
55 56 57 58 59
4.252 3.536 2.760 1.917 1.000
6.993 6.516 6.003 5.449 4.851
60 61 62 63 64
4.205 3.504 2.741 1.910 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
131
Interest Rate:
9.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
11.024 10.941 10.852 10.756 10.653
11.322 11.265 11.206 11.143 11.076
11.511 11.472 11.432 11.390 11.345
11.631 11.603 11.574 11.545 11.515
11.704 11.683 11.662 11.641 11.619
20 21 22 23 24
25 26 27 28 29
10.542 10.421 10.290 10.146 9.989
11.003 10.925 10.840 10.747 10.645
11.298 11.246 11.191 11.130 11.064
11.483 11.449 11.412 11.372 11.328
11.597 11.574 11.548 11.521 11.490
25 26 27 28 29
30 31 32 33 34
9.817 9.629 9.423 9.197 8.951
10.534 10.411 10.277 10.131 9.970
10.991 10.910 10.822 10.726 10.620
11.279 11.225 11.166 11.101 11.030
11.456 11.419 11.378 11.332 11.282
30 31 32 33 34
35 36 37 38 39
8.682 8.389 8.069 7.720 7.340
9.795 9.604 9.396 9.170 8.923
10.504 10.379 10.242 10.094 9.933
10.952 10.868 10.776 10.677 10.570
11.228 11.168 11.104 11.036 10.961
35 36 37 38 39
40 41 42 43 44
6.926 6.474 5.982 5.444 4.857
8.655 8.364 8.046 7.700 7.323
9.758 9.569 9.363 9.139 8.896
10.454 10.329 10.193 10.046 9.887
10.882 10.796 10.704 10.605 10.498
40 41 42 43 44
132
Interest Rate:
9.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.216 3.516 2.751 1.914 1.000
6.912 6.463 5.973 5.437 4.852
8.631 8.342 8.027 7.684 7.309
9.715 9.527 9.323 9.100 8.858
10.382 10.256 10.120 9.972 9.811
45 46 47 48 49
4.213 3.514 2.750 1.914 1.000
6.899 6.452 5.963 5.429 4.846
8.593 8.305 7.990 7.646 7.271
9.636 9.446 9.238 9.011 8.764
50 51 52 53 54
4.207 3.509 2.746 1.913 1.000
6.861 6.412 5.924 5.393 4.813
8.494 8.199 7.880 7.535 7.161
55 56 57 58 59
4.182 3.491 2.736 1.909 1.000
6.755 6.316 5.838 5.319 4.753
60 61 62 63 64
4.135 3.459 2.718 1.902 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
133
Interest Rate:
10.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
10.218 10.153 10.084 10.009 9.928
10.441 10.398 10.354 10.306 10.255
10.576 10.548 10.518 10.487 10.455
10.658 10.638 10.617 10.596 10.575
10.706 10.690 10.675 10.661 10.646
20 21 22 23 24
25 26 27 28 29
9.839 9.742 9.635 9.518 9.388
10.200 10.140 10.074 10.001 9.921
10.420 10.382 10.341 10.296 10.246
10.552 10.528 10.502 10.473 10.441
10.630 10.614 10.597 10.578 10.556
25 26 27 28 29
30 31 32 33 34
9.245 9.086 8.911 8.718 8.505
9.832 9.734 9.625 9.504 9.371
10.190 10.128 10.059 9.983 9.899
10.405 10.366 10.321 10.272 10.217
10.532 10.505 10.475 10.441 10.404
30 31 32 33 34
35 36 37 38 39
8.271 8.012 7.728 7.415 7.072
9.225 9.064 8.887 8.693 8.480
9.807 9.705 9.593 9.471 9.338
10.157 10.091 10.019 9.940 9.855
10.363 10.318 10.269 10.216 10.159
35 36 37 38 39
40 41 42 43 44
6.693 6.277 5.819 5.315 4.759
8.246 7.989 7.707 7.397 7.056
9.192 9.032 8.857 8.665 8.454
9.762 9.660 9.550 9.429 9.297
10.097 10.030 9.957 9.879 9.793
40 41 42 43 44
134
Interest Rate:
10.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - MALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.147 3.472 2.727 1.906 1.000
6.680 6.267 5.811 5.309 4.755
8.223 7.969 7.689 7.381 7.042
9.153 8.995 8.821 8.630 8.420
9.700 9.598 9.487 9.365 9.231
45 46 47 48 49
4.144 3.470 2.726 1.906 1.000
6.668 6.256 5.802 5.301 4.748
8.189 7.935 7.655 7.347 7.007
9.084 8.922 8.745 8.550 8.335
50 51 52 53 54
4.138 3.465 2.723 1.904 1.000
6.632 6.219 5.764 5.266 4.717
8.098 7.838 7.553 7.242 6.903
55 56 57 58 59
4.113 3.448 2.713 1.900 1.000
6.532 6.127 5.682 5.195 4.659
60 61 62 63 64
4.068 3.416 2.695 1.893 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
135
Interest Rate:
0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
29.315 28.357 27.400 26.445 25.489
34.023 33.072 32.123 31.175 30.228
38.607 37.662 36.721 35.780 34.841
42.990 42.052 41.118 40.185 39.253
47.062 46.131 45.202 44.276 43.352
20 21 22 23 24
25 26 27 28 29
24.533 23.576 22.616 21.654 20.688
29.280 28.331 27.380 26.426 25.469
33.902 32.961 32.018 31.072 30.123
38.322 37.389 36.454 35.516 34.574
42.428 41.503 40.575 39.644 38.709
25 26 27 28 29
30 31 32 33 34
19.720 18.749 17.775 16.798 15.819
24.509 23.545 22.578 21.608 20.635
29.170 28.213 27.253 26.290 25.323
33.629 32.679 31.725 30.768 29.807
37.770 36.827 35.879 34.927 33.973
30 31 32 33 34
35 36 37 38 39
14.838 13.856 12.873 11.889 10.904
19.661 18.685 17.708 16.730 15.752
24.355 23.385 22.414 21.442 20.471
28.845 27.880 26.915 25.950 24.984
33.015 32.056 31.097 30.137 29.177
35 36 37 38 39
40 41 42 43 44
9.918 8.932 7.945 6.956 5.967
14.773 13.794 12.815 11.835 10.854
19.499 18.527 17.555 16.584 15.612
24.019 23.054 22.090 21.126 20.162
28.218 27.260 26.302 25.345 24.389
40 41 42 43 44
136
Interest Rate:
0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.976 3.985 2.992 1.997 1.000
9.873 8.892 7.910 6.928 5.945
14.639 13.668 12.698 11.728 10.759
19.198 18.237 17.277 16.320 15.364
23.433 22.481 21.531 20.585 19.641
45 46 47 48 49
4.961 3.975 2.987 1.995 1.000
9.791 8.822 7.852 6.882 5.910
14.410 13.457 12.506 11.555 10.606
18.700 17.763 16.828 15.897 14.968
50 51 52 53 54
4.936 3.959 2.978 1.992 1.000
9.657 8.707 7.757 6.806 5.852
14.042 13.118 12.197 11.277 10.358
55 56 57 58 59
4.894 3.932 2.964 1.987 1.000
9.441 8.523 7.604 6.682 5.757
60 61 62 63 64
4.827 3.888 2.940 1.979 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
137
Interest Rate:
1.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
25.501 24.782 24.058 23.328 22.591
28.926 28.247 27.563 26.873 26.178
32.098 31.455 30.809 30.158 29.501
34.985 34.376 33.763 33.146 32.525
37.537 36.958 36.375 35.789 35.198
20 21 22 23 24
25 26 27 28 29
21.846 21.092 20.329 19.557 18.774
25.475 24.764 24.045 23.316 22.577
28.837 28.166 27.487 26.799 26.100
31.897 31.262 30.619 29.968 29.307
34.602 33.999 33.388 32.769 32.141
25 26 27 28 29
30 31 32 33 34
17.981 17.177 16.362 15.537 14.702
21.828 21.069 20.299 19.519 18.729
25.392 24.674 23.946 23.207 22.459
28.636 27.955 27.265 26.564 25.854
31.503 30.856 30.198 29.531 28.855
30 31 32 33 34
35 36 37 38 39
13.857 13.003 12.138 11.265 10.382
17.930 17.121 16.303 15.477 14.642
21.702 20.936 20.161 19.379 18.588
25.135 24.408 23.673 22.930 22.180
28.170 27.477 26.776 26.069 25.355
35 36 37 38 39
40 41 42 43 44
9.489 8.587 7.675 6.754 5.822
13.798 12.946 12.085 11.215 10.336
17.790 16.984 16.170 15.347 14.517
21.423 20.658 19.887 19.108 18.322
24.634 23.906 23.173 22.433 21.686
40 41 42 43 44
138
Interest Rate:
1.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.879 3.926 2.962 1.987 1.000
9.447 8.549 7.643 6.727 5.801
13.678 12.832 11.978 11.117 10.248
17.528 16.729 15.924 15.112 14.295
20.932 20.174 19.412 18.644 17.872
45 46 47 48 49
4.864 3.917 2.957 1.985 1.000
9.370 8.483 7.588 6.682 5.767
13.470 12.639 11.802 10.957 10.105
17.095 16.313 15.527 14.736 13.939
50 51 52 53 54
4.840 3.901 2.949 1.982 1.000
9.244 8.375 7.497 6.609 5.710
13.138 12.331 11.518 10.700 9.874
55 56 57 58 59
4.799 3.875 2.935 1.977 1.000
9.042 8.201 7.351 6.491 5.619
60 61 62 63 64
4.734 3.832 2.911 1.969 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
139
Interest Rate:
2.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
22.375 21.835 21.285 20.726 20.155
24.875 24.388 23.894 23.391 22.879
27.079 26.640 26.194 25.741 25.280
28.989 28.591 28.187 27.778 27.361
30.596 30.233 29.865 29.491 29.112
20 21 22 23 24
25 26 27 28 29
19.573 18.979 18.371 17.750 17.114
22.356 21.823 21.277 20.719 20.147
24.810 24.330 23.839 23.337 22.822
26.936 26.503 26.059 25.605 25.139
28.726 28.331 27.928 27.514 27.090
25 26 27 28 29
30 31 32 33 34
16.462 15.796 15.114 14.416 13.703
19.561 18.962 18.348 17.719 17.076
22.294 21.753 21.199 20.632 20.051
24.662 24.172 23.670 23.156 22.629
26.655 26.208 25.750 25.280 24.798
30 31 32 33 34
35 36 37 38 39
12.973 12.229 11.468 10.692 9.899
16.419 15.748 15.062 14.363 13.649
19.458 18.851 18.232 17.600 16.955
22.090 21.540 20.978 20.404 19.820
24.306 23.802 23.289 22.765 22.231
35 36 37 38 39
40 41 42 43 44
9.090 8.265 7.422 6.561 5.683
12.920 12.177 11.419 10.646 9.856
16.298 15.627 14.944 14.247 13.536
19.224 18.617 17.998 17.368 16.725
21.687 21.133 20.568 19.994 19.408
40 41 42 43 44
140
Interest Rate:
2.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.786 3.869 2.934 1.978 1.000
9.050 8.229 7.391 6.536 5.663
12.811 12.073 11.321 10.555 9.774
16.070 15.404 14.726 14.037 13.337
18.812 18.207 17.592 16.968 16.335
45 46 47 48 49
4.771 3.860 2.929 1.976 1.000
8.978 8.166 7.338 6.493 5.630
12.623 11.898 11.159 10.407 9.641
15.691 15.038 14.375 13.701 13.017
50 51 52 53 54
4.747 3.845 2.920 1.973 1.000
8.860 8.065 7.252 6.423 5.576
12.322 11.616 10.899 10.169 9.427
55 56 57 58 59
4.708 3.819 2.906 1.968 1.000
8.671 7.900 7.114 6.310 5.488
60 61 62 63 64
4.644 3.777 2.884 1.959 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
141
Interest Rate:
3.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
19.796 19.388 18.970 18.540 18.098
21.626 21.276 20.918 20.550 20.172
23.163 22.862 22.554 22.238 21.913
24.432 24.171 23.904 23.631 23.350
25.449 25.220 24.986 24.747 24.502
20 21 22 23 24
25 26 27 28 29
17.642 17.173 16.688 16.186 15.668
19.782 19.380 18.966 18.537 18.094
21.579 21.235 20.879 20.511 20.130
23.062 22.765 22.458 22.140 21.811
24.251 23.991 23.724 23.446 23.159
25 26 27 28 29
30 31 32 33 34
15.133 14.579 14.007 13.416 12.805
17.635 17.160 16.669 16.162 15.637
19.736 19.328 18.905 18.468 18.016
21.470 21.117 20.750 20.371 19.979
22.860 22.551 22.229 21.897 21.552
30 31 32 33 34
35 36 37 38 39
12.175 11.525 10.855 10.164 9.452
15.096 14.538 13.962 13.368 12.757
17.549 17.067 16.571 16.059 15.533
19.573 19.155 18.724 18.280 17.823
21.196 20.829 20.450 20.060 19.659
35 36 37 38 39
40 41 42 43 44
8.718 7.962 7.183 6.379 5.550
12.127 11.479 10.810 10.122 9.412
14.990 14.432 13.857 13.266 12.656
17.353 16.869 16.372 15.860 15.333
19.247 18.823 18.387 17.939 17.479
40 41 42 43 44
142
Interest Rate:
3.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.696 3.815 2.906 1.968 1.000
8.681 7.928 7.153 6.354 5.531
12.029 11.384 10.720 10.038 9.336
14.791 14.235 13.664 13.078 12.476
17.005 16.521 16.024 15.515 14.993
45 46 47 48 49
4.682 3.805 2.901 1.966 1.000
8.613 7.869 7.103 6.313 5.499
11.858 11.223 10.571 9.901 9.212
14.459 13.912 13.351 12.777 12.188
50 51 52 53 54
4.658 3.790 2.892 1.963 1.000
8.503 7.773 7.021 6.246 5.447
11.585 10.966 10.331 9.680 9.012
55 56 57 58 59
4.620 3.765 2.879 1.958 1.000
8.324 7.617 6.889 6.138 5.362
60 61 62 63 64
4.559 3.725 2.856 1.950 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
143
Interest Rate:
4.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
17.653 17.345 17.026 16.695 16.351
18.998 18.745 18.484 18.214 17.934
20.074 19.866 19.652 19.430 19.201
20.920 20.747 20.570 20.387 20.198
21.566 21.421 21.271 21.118 20.959
20 21 22 23 24
25 26 27 28 29
15.993 15.621 15.233 14.829 14.406
17.643 17.340 17.024 16.694 16.349
18.963 18.715 18.457 18.187 17.904
20.001 19.797 19.584 19.361 19.127
20.794 20.623 20.445 20.258 20.062
25 26 27 28 29
30 31 32 33 34
13.965 13.504 13.023 12.521 11.998
15.989 15.613 15.219 14.808 14.380
17.609 17.300 16.977 16.639 16.286
18.883 18.627 18.359 18.078 17.785
19.856 19.641 19.415 19.178 18.930
30 31 32 33 34
35 36 37 38 39
11.453 10.885 10.294 9.678 9.038
13.933 13.468 12.983 12.479 11.955
15.918 15.535 15.136 14.721 14.289
17.479 17.160 16.828 16.483 16.125
18.671 18.402 18.121 17.830 17.527
35 36 37 38 39
40 41 42 43 44
8.372 7.678 6.957 6.205 5.423
11.410 10.843 10.253 9.639 9.001
13.841 13.375 12.891 12.387 11.864
15.753 15.366 14.965 14.548 14.116
17.213 16.888 16.550 16.199 15.836
40 41 42 43 44
144
Interest Rate:
4.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.609 3.761 2.879 1.959 1.000
8.337 7.646 6.929 6.182 5.405
11.320 10.756 10.170 9.561 8.929
13.666 13.201 12.719 12.219 11.701
15.458 15.069 14.666 14.249 13.819
45 46 47 48 49
4.595 3.752 2.874 1.957 1.000
8.273 7.591 6.881 6.143 5.374
11.165 10.609 10.032 9.434 8.813
13.374 12.915 12.440 11.949 11.441
50 51 52 53 54
4.573 3.738 2.865 1.954 1.000
8.169 7.499 6.803 6.078 5.324
10.916 10.373 9.811 9.229 8.627
55 56 57 58 59
4.536 3.713 2.852 1.949 1.000
8.001 7.352 6.677 5.975 5.242
60 61 62 63 64
4.476 3.673 2.830 1.941 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
145
Interest Rate:
5.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
15.861 15.627 15.383 15.127 14.859
16.851 16.669 16.478 16.279 16.071
17.607 17.464 17.314 17.159 16.996
18.174 18.060 17.941 17.818 17.690
18.587 18.494 18.398 18.298 18.195
20 21 22 23 24
25 26 27 28 29
14.578 14.283 13.972 13.644 13.299
15.853 15.624 15.383 15.128 14.860
16.826 16.648 16.459 16.261 16.051
17.556 17.415 17.266 17.109 16.943
18.087 17.974 17.854 17.728 17.594
25 26 27 28 29
30 31 32 33 34
12.935 12.551 12.146 11.720 11.271
14.576 14.277 13.961 13.628 13.277
15.829 15.594 15.346 15.084 14.808
16.768 16.581 16.384 16.176 15.956
17.452 17.301 17.141 16.971 16.792
30 31 32 33 34
35 36 37 38 39
10.798 10.301 9.779 9.230 8.654
12.908 12.519 12.111 11.682 11.232
14.517 14.212 13.890 13.553 13.198
15.724 15.480 15.224 14.955 14.673
16.603 16.404 16.196 15.977 15.747
35 36 37 38 39
40 41 42 43 44
8.048 7.412 6.743 6.040 5.302
10.759 10.262 9.741 9.194 8.619
12.827 12.437 12.029 11.600 11.150
14.378 14.068 13.743 13.403 13.047
15.507 15.256 14.993 14.717 14.429
40 41 42 43 44
146
Interest Rate:
5.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.526 3.710 2.852 1.950 1.000
8.015 7.381 6.716 6.018 5.284
10.677 10.183 9.665 9.121 8.552
12.673 12.283 11.875 11.448 11.002
14.127 13.813 13.485 13.143 12.787
45 46 47 48 49
4.512 3.701 2.847 1.948 1.000
7.955 7.329 6.671 5.980 5.254
10.536 10.048 9.538 9.003 8.444
12.416 12.029 11.626 11.205 10.767
50 51 52 53 54
4.491 3.686 2.839 1.945 1.000
7.857 7.242 6.597 5.919 5.206
10.309 9.832 9.334 8.813 8.269
55 56 57 58 59
4.455 3.663 2.826 1.940 1.000
7.699 7.103 6.477 5.819 5.127
60 61 62 63 64
4.396 3.624 2.804 1.932 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
147
Interest Rate:
6.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
14.351 14.173 13.986 13.788 13.579
15.084 14.951 14.811 14.665 14.510
15.617 15.517 15.412 15.302 15.187
15.998 15.921 15.842 15.759 15.671
16.263 16.202 16.140 16.075 16.008
20 21 22 23 24
25 26 27 28 29
13.358 13.123 12.873 12.608 12.325
14.346 14.172 13.988 13.791 13.581
15.065 14.936 14.799 14.652 14.496
15.579 15.482 15.379 15.268 15.149
15.937 15.862 15.781 15.696 15.604
25 26 27 28 29
30 31 32 33 34
12.024 11.703 11.362 10.999 10.613
13.358 13.119 12.865 12.595 12.307
14.329 14.150 13.959 13.756 13.539
15.023 14.887 14.741 14.586 14.421
15.505 15.399 15.285 15.163 15.033
30 31 32 33 34
35 36 37 38 39
10.203 9.768 9.306 8.816 8.296
12.001 11.676 11.331 10.965 10.578
13.309 13.064 12.805 12.529 12.238
14.244 14.057 13.858 13.648 13.425
14.894 14.747 14.590 14.425 14.250
35 36 37 38 39
40 41 42 43 44
7.745 7.161 6.541 5.884 5.186
10.167 9.732 9.271 8.782 8.264
11.930 11.603 11.257 10.891 10.504
13.190 12.941 12.678 12.400 12.105
14.066 13.871 13.665 13.448 13.218
40 41 42 43 44
148
Interest Rate:
6.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.445 3.660 2.826 1.941 1.000
7.714 7.132 6.516 5.862 5.168
10.093 9.659 9.200 8.715 8.201
11.794 11.466 11.120 10.755 10.370
12.976 12.721 12.454 12.173 11.877
45 46 47 48 49
4.432 3.651 2.821 1.939 1.000
7.658 7.082 6.472 5.826 5.140
9.964 9.536 9.083 8.605 8.100
11.567 11.240 10.897 10.536 10.156
50 51 52 53 54
4.411 3.637 2.813 1.936 1.000
7.566 7.000 6.401 5.767 5.093
9.757 9.337 8.894 8.428 7.936
55 56 57 58 59
4.376 3.614 2.800 1.931 1.000
7.417 6.868 6.287 5.671 5.016
60 61 62 63 64
4.320 3.576 2.779 1.923 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
149
Interest Rate:
7.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
13.072 12.936 12.792 12.639 12.475
13.615 13.518 13.416 13.307 13.192
13.992 13.922 13.849 13.771 13.689
14.249 14.198 14.144 14.088 14.028
14.420 14.381 14.340 14.298 14.253
20 21 22 23 24
25 26 27 28 29
12.300 12.113 11.912 11.697 11.465
13.068 12.936 12.795 12.642 12.478
13.601 13.508 13.407 13.299 13.182
13.965 13.898 13.825 13.747 13.663
14.207 14.156 14.103 14.044 13.981
25 26 27 28 29
30 31 32 33 34
11.215 10.947 10.659 10.350 10.017
12.302 12.111 11.907 11.686 11.450
13.056 12.920 12.773 12.614 12.444
13.571 13.471 13.364 13.248 13.122
13.912 13.837 13.756 13.668 13.572
30 31 32 33 34
35 36 37 38 39
9.661 9.279 8.870 8.432 7.964
11.195 10.923 10.632 10.320 9.986
12.261 12.065 11.855 11.630 11.390
12.988 12.843 12.689 12.524 12.348
13.470 13.360 13.242 13.117 12.983
35 36 37 38 39
40 41 42 43 44
7.462 6.925 6.350 5.734 5.075
9.629 9.247 8.838 8.401 7.934
11.133 10.859 10.566 10.253 9.919
12.159 11.959 11.745 11.517 11.273
12.840 12.688 12.527 12.354 12.171
40 41 42 43 44
150
Interest Rate:
7.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.368 3.611 2.801 1.932 1.000
7.433 6.898 6.326 5.713 5.058
9.561 9.180 8.773 8.339 7.875
11.013 10.737 10.443 10.130 9.797
11.976 11.769 11.550 11.318 11.072
45 46 47 48 49
4.355 3.603 2.796 1.930 1.000
7.380 6.850 6.284 5.678 5.030
9.443 9.066 8.664 8.236 7.780
10.811 10.535 10.242 9.932 9.603
50 51 52 53 54
4.335 3.589 2.788 1.927 1.000
7.293 6.773 6.217 5.622 4.985
9.254 8.883 8.490 8.071 7.626
55 56 57 58 59
4.301 3.566 2.776 1.922 1.000
7.152 6.647 6.107 5.530 4.911
60 61 62 63 64
4.246 3.529 2.755 1.915 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
151
Interest Rate:
8.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
11.981 11.877 11.765 11.646 11.518
12.384 12.313 12.238 12.157 12.071
12.652 12.603 12.551 12.496 12.437
12.826 12.791 12.755 12.717 12.676
12.937 12.911 12.884 12.856 12.827
20 21 22 23 24
25 26 27 28 29
11.380 11.230 11.069 10.893 10.703
11.978 11.878 11.769 11.651 11.522
12.374 12.307 12.233 12.153 12.065
12.633 12.586 12.535 12.480 12.419
12.796 12.763 12.727 12.687 12.643
25 26 27 28 29
30 31 32 33 34
10.496 10.271 10.027 9.763 9.477
11.382 11.230 11.065 10.885 10.690
11.970 11.866 11.752 11.628 11.494
12.353 12.280 12.200 12.113 12.018
12.595 12.542 12.483 12.419 12.349
30 31 32 33 34
35 36 37 38 39
9.167 8.831 8.469 8.077 7.654
10.479 10.250 10.003 9.736 9.448
11.348 11.190 11.020 10.836 10.637
11.914 11.803 11.682 11.552 11.412
12.273 12.190 12.101 12.005 11.902
35 36 37 38 39
40 41 42 43 44
7.197 6.703 6.169 5.592 4.968
9.137 8.802 8.439 8.048 7.626
10.423 10.193 9.944 9.676 9.387
11.261 11.099 10.925 10.737 10.535
11.791 11.673 11.545 11.408 11.261
40 41 42 43 44
152
Interest Rate:
8.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.293 3.564 2.776 1.923 1.000
7.169 6.677 6.145 5.572 4.952
9.075 8.740 8.379 7.990 7.571
10.317 10.084 9.833 9.565 9.277
11.103 10.934 10.754 10.562 10.356
45 46 47 48 49
4.281 3.556 2.772 1.922 1.000
7.119 6.632 6.106 5.538 4.925
8.967 8.635 8.278 7.894 7.481
10.137 9.903 9.653 9.385 9.099
50 51 52 53 54
4.261 3.543 2.764 1.919 1.000
7.037 6.558 6.041 5.484 4.881
8.794 8.466 8.116 7.740 7.337
55 56 57 58 59
4.228 3.520 2.751 1.914 1.000
6.904 6.439 5.937 5.395 4.810
60 61 62 63 64
4.175 3.484 2.731 1.906 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
153
Interest Rate:
9.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
11.044 10.964 10.878 10.785 10.684
11.345 11.293 11.237 11.177 11.112
11.535 11.501 11.464 11.425 11.383
11.654 11.630 11.605 11.579 11.551
11.726 11.708 11.691 11.672 11.653
20 21 22 23 24
25 26 27 28 29
10.575 10.455 10.325 10.182 10.025
11.042 10.965 10.882 10.790 10.689
11.337 11.288 11.234 11.175 11.109
11.521 11.489 11.454 11.414 11.371
11.633 11.610 11.586 11.559 11.529
25 26 27 28 29
30 31 32 33 34
9.853 9.664 9.458 9.232 8.985
10.578 10.456 10.322 10.175 10.014
11.037 10.957 10.869 10.772 10.666
11.322 11.269 11.209 11.143 11.071
11.495 11.457 11.415 11.368 11.316
30 31 32 33 34
35 36 37 38 39
8.715 8.420 8.098 7.747 7.365
9.838 9.646 9.436 9.208 8.959
10.549 10.422 10.283 10.132 9.968
10.992 10.905 10.810 10.707 10.596
11.259 11.197 11.129 11.055 10.975
35 36 37 38 39
40 41 42 43 44
6.948 6.493 5.997 5.456 4.866
8.688 8.393 8.071 7.720 7.338
9.789 9.595 9.384 9.154 8.903
10.475 10.343 10.200 10.045 9.877
10.889 10.795 10.694 10.584 10.466
40 41 42 43 44
154
Interest Rate:
9.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.222 3.519 2.752 1.915 1.000
6.922 6.469 5.975 5.437 4.850
8.631 8.336 8.015 7.666 7.287
9.694 9.497 9.284 9.053 8.803
10.337 10.199 10.051 9.891 9.719
45 46 47 48 49
4.210 3.511 2.748 1.913 1.000
6.874 6.426 5.937 5.405 4.824
8.532 8.239 7.921 7.577 7.203
9.534 9.335 9.121 8.890 8.641
50 51 52 53 54
4.190 3.498 2.740 1.910 1.000
6.797 6.356 5.875 5.352 4.782
8.373 8.083 7.771 7.433 7.068
55 56 57 58 59
4.158 3.476 2.728 1.905 1.000
6.672 6.242 5.775 5.267 4.713
60 61 62 63 64
4.106 3.440 2.707 1.898 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
155
Interest Rate:
10.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
20 21 22 23 24
10.234 10.173 10.106 10.034 9.954
10.460 10.421 10.379 10.335 10.286
10.596 10.571 10.545 10.517 10.487
10.677 10.660 10.643 10.625 10.606
10.723 10.712 10.700 10.688 10.675
20 21 22 23 24
25 26 27 28 29
9.867 9.772 9.666 9.549 9.420
10.233 10.175 10.110 10.039 9.959
10.454 10.418 10.379 10.335 10.285
10.586 10.563 10.538 10.510 10.479
10.662 10.647 10.631 10.612 10.591
25 26 27 28 29
30 31 32 33 34
9.277 9.119 8.944 8.750 8.537
9.871 9.773 9.665 9.544 9.411
10.230 10.169 10.101 10.025 9.940
10.444 10.404 10.360 10.310 10.255
10.567 10.540 10.509 10.475 10.436
30 31 32 33 34
35 36 37 38 39
8.301 8.041 7.756 7.441 7.095
9.264 9.103 8.924 8.728 8.513
9.847 9.744 9.631 9.507 9.371
10.193 10.126 10.051 9.970 9.880
10.393 10.346 10.294 10.237 10.175
35 36 37 38 39
40 41 42 43 44
6.714 6.295 5.834 5.326 4.768
8.276 8.016 7.730 7.416 7.070
9.221 9.057 8.877 8.679 8.462
9.783 9.676 9.558 9.430 9.290
10.107 10.033 9.952 9.864 9.768
40 41 42 43 44
156
Interest Rate:
10.0%
ANNUITY FUNCTIONS INDIVIDUAL LIVES - FEMALE
ax:n
for ( x n) equal to :
x+n Age
50
55
60
65
70
x+n Age
45 46 47 48 49
4.152 3.475 2.729 1.906 1.000
6.690 6.272 5.813 5.308 4.752
8.224 7.963 7.678 7.365 7.021
9.136 8.969 8.786 8.587 8.370
9.663 9.550 9.427 9.294 9.149
45 46 47 48 49
4.141 3.467 2.724 1.905 1.000
6.645 6.231 5.777 5.277 4.727
8.133 7.874 7.591 7.281 6.943
8.993 8.823 8.639 8.439 8.222
50 51 52 53 54
4.122 3.454 2.717 1.902 1.000
6.571 6.164 5.718 5.227 4.686
7.986 7.730 7.451 7.147 6.815
55 56 57 58 59
4.090 3.432 2.704 1.897 1.000
6.453 6.057 5.622 5.145 4.619
60 61 62 63 64
4.040 3.397 2.684 1.890 1.000
65 66 67 68 69
50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69
157
Interest Rate:
0.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
58.029 57.104 56.188 55.280 54.377
0.99912 0.99912 0.99912 0.99912 0.99911
0.01722 0.01750 0.01778 0.01807 0.01837
20 21 22 23 24
25 26 27 28 29
53.478 52.581 51.684 50.786 49.884
0.99911 0.99911 0.99911 0.99911 0.99910
0.01868 0.01900 0.01933 0.01967 0.02003
25 26 27 28 29
30 31 32 33 34
48.979 48.069 47.156 46.239 45.320
0.99910 0.99910 0.99910 0.99910 0.99910
0.02040 0.02078 0.02119 0.02161 0.02205
30 31 32 33 34
35 36 37 38 39
44.400 43.479 42.559 41.641 40.725
0.99909 0.99909 0.99909 0.99909 0.99909
0.02250 0.02298 0.02348 0.02399 0.02453
35 36 37 38 39
40 41 42 43 44
39.813 38.903 37.996 37.092 36.190
0.99909 0.99908 0.99908 0.99908 0.99908
0.02509 0.02568 0.02629 0.02694 0.02761
40 41 42 43 44
45 46 47 48 49
35.290 34.391 33.492 32.594 31.696
0.99907 0.99907 0.99907 0.99907 0.99906
0.02831 0.02905 0.02983 0.03065 0.03152
45 46 47 48 49
50 51 52 53 54
30.798 29.900 29.000 28.100 27.198
0.99906 0.99906 0.99905 0.99905 0.99905
0.03244 0.03341 0.03445 0.03555 0.03673
50 51 52 53 54
55 56 57 58 59
26.295 25.391 24.493 23.604 22.725
0.99904 0.99904 0.99903 0.99903 0.99903
0.03799 0.03935 0.04079 0.04232 0.04396
55 56 57 58 59
158
Interest Rate:
0.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
21.855 20.995 20.147 19.312 18.488
0.99902 0.99901 0.99901 0.99900 0.99899
0.04571 0.04758 0.04958 0.05173 0.05403
60 61 62 63 64
65 66 67 68 69
17.679 16.883 16.103 15.338 14.590
0.99898 0.99896 0.99895 0.99893 0.99891
0.05651 0.05917 0.06204 0.06513 0.06847
65 66 67 68 69
70 71 72 73 74
13.859 13.146 12.452 11.778 11.123
0.99889 0.99887 0.99884 0.99881 0.99877
0.07207 0.07598 0.08021 0.08480 0.08979
70 71 72 73 74
75 76 77 78 79
10.490 9.877 9.287 8.719 8.173
0.99872 0.99867 0.99861 0.99854 0.99845
0.09521 0.10111 0.10753 0.11453 0.12217
75 76 77 78 79
80 81 82 83 84
7.650 7.151 6.674 6.221 5.792
0.99835 0.99822 0.99807 0.99789 0.99766
0.13050 0.13960 0.14954 0.16040 0.17226
80 81 82 83 84
85 86 87 88 89
5.385 5.001 4.640 4.300 3.982
0.99737 0.99700 0.99652 0.99588 0.99503
0.18522 0.19936 0.21478 0.23158 0.24986
85 86 87 88 89
90 91 92 93 94
3.685 3.408 3.149 2.907 2.681
0.99386 0.99221 0.98981 0.98622 0.98063
0.26970 0.29117 0.31435 0.33923 0.36581
90 91 92 93 94
95 96 97 98 99 100
2.466 2.258 2.046 1.809 1.499 1.000
0.97158 0.95622 0.92880 0.87687 0.77180 0.54280
0.39397 0.42350 0.45397 0.48475 0.51483 0.54280
95 96 97 98 99 100
159
Interest Rate:
1.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
43.670 43.153 42.638 42.124 41.610
0.56723 0.57235 0.57744 0.58252 0.58761
0.01299 0.01326 0.01354 0.01383 0.01412
20 21 22 23 24
25 26 27 28 29
41.094 40.574 40.050 39.519 38.981
0.59271 0.59785 0.60304 0.60829 0.61361
0.01442 0.01473 0.01506 0.01539 0.01574
25 26 27 28 29
30 31 32 33 34
38.435 37.881 37.319 36.748 36.170
0.61901 0.62449 0.63006 0.63570 0.64142
0.01611 0.01649 0.01688 0.01730 0.01773
30 31 32 33 34
35 36 37 38 39
35.585 34.995 34.400 33.800 33.197
0.64720 0.65304 0.65893 0.66486 0.67082
0.01819 0.01866 0.01916 0.01967 0.02021
35 36 37 38 39
40 41 42 43 44
32.591 31.981 31.367 30.750 30.130
0.67682 0.68286 0.68892 0.69502 0.70116
0.02077 0.02135 0.02196 0.02260 0.02327
40 41 42 43 44
45 46 47 48 49
29.504 28.874 28.239 27.597 26.950
0.70735 0.71358 0.71987 0.72621 0.73261
0.02397 0.02471 0.02549 0.02631 0.02718
45 46 47 48 49
50 51 52 53 54
26.297 25.636 24.969 24.295 23.613
0.73907 0.74560 0.75220 0.75887 0.76561
0.02811 0.02908 0.03013 0.03124 0.03242
50 51 52 53 54
55 56 57 58 59
22.924 22.228 21.530 20.833 20.138
0.77242 0.77931 0.78621 0.79310 0.79997
0.03369 0.03506 0.03652 0.03807 0.03973
55 56 57 58 59
160
Interest Rate:
1.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
19.445 18.755 18.069 17.387 16.711
0.80682 0.81364 0.82042 0.82716 0.83384
0.04149 0.04338 0.04541 0.04757 0.04990
60 61 62 63 64
65 66 67 68 69
16.041 15.378 14.722 14.075 13.438
0.84046 0.84702 0.85349 0.85987 0.86616
0.05240 0.05508 0.05797 0.06109 0.06446
65 66 67 68 69
70 71 72 73 74
12.811 12.196 11.593 11.003 10.427
0.87234 0.87841 0.88435 0.89016 0.89583
0.06809 0.07203 0.07629 0.08090 0.08592
70 71 72 73 74
75 76 77 78 79
9.865 9.320 8.790 8.278 7.784
0.90134 0.90669 0.91187 0.91687 0.92169
0.09136 0.09729 0.10373 0.11076 0.11841
75 76 77 78 79
80 81 82 83 84
7.307 6.850 6.412 5.993 5.593
0.92631 0.93072 0.93492 0.93890 0.94264
0.12676 0.13587 0.14582 0.15668 0.16853
80 81 82 83 84
85 86 87 88 89
5.214 4.854 4.514 4.193 3.891
0.94613 0.94935 0.95228 0.95487 0.95707
0.18147 0.19559 0.21098 0.22774 0.24595
85 86 87 88 89
90 91 92 93 94
3.608 3.343 3.095 2.863 2.645
0.95877 0.95985 0.96004 0.95893 0.95575
0.26572 0.28711 0.31019 0.33496 0.36141
90 91 92 93 94
95 96 97 98 99 100
2.437 2.235 2.029 1.798 1.494 1.000
0.94909 0.93622 0.91149 0.86268 0.76150 0.53743
0.38943 0.41880 0.44912 0.47974 0.50964 0.53743
95 96 97 98 99 100
161
Interest Rate:
2.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
34.048 33.753 33.458 33.162 32.864
0.33222 0.33799 0.34377 0.34957 0.35541
0.00976 0.01001 0.01027 0.01054 0.01081
20 21 22 23 24
25 26 27 28 29
32.563 32.258 31.947 31.629 31.303
0.36131 0.36729 0.37339 0.37962 0.38600
0.01110 0.01139 0.01169 0.01200 0.01233
25 26 27 28 29
30 31 32 33 34
30.969 30.626 30.274 29.914 29.545
0.39255 0.39926 0.40616 0.41322 0.42045
0.01268 0.01304 0.01342 0.01381 0.01423
30 31 32 33 34
35 36 37 38 39
29.168 28.783 28.393 27.996 27.593
0.42784 0.43537 0.44303 0.45081 0.45870
0.01467 0.01513 0.01560 0.01610 0.01662
35 36 37 38 39
40 41 42 43 44
27.184 26.770 26.350 25.924 25.491
0.46670 0.47482 0.48305 0.49140 0.49987
0.01717 0.01774 0.01833 0.01896 0.01961
40 41 42 43 44
45 46 47 48 49
25.052 24.605 24.151 23.688 23.216
0.50848 0.51723 0.52614 0.53520 0.54444
0.02030 0.02102 0.02179 0.02259 0.02345
45 46 47 48 49
50 51 52 53 54
22.736 22.246 21.746 21.236 20.716
0.55385 0.56345 0.57324 0.58323 0.59342
0.02436 0.02533 0.02636 0.02746 0.02865
50 51 52 53 54
55 56 57 58 59
20.185 19.643 19.096 18.545 17.991
0.60383 0.61445 0.62517 0.63596 0.64682
0.02991 0.03128 0.03274 0.03429 0.03595
55 56 57 58 59
162
Interest Rate:
2.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
17.434 16.876 16.317 15.757 15.198
0.65771 0.66865 0.67960 0.69057 0.70152
0.03773 0.03962 0.04165 0.04383 0.04616
60 61 62 63 64
65 66 67 68 69
14.639 14.082 13.529 12.978 12.432
0.71246 0.72336 0.73420 0.74497 0.75565
0.04867 0.05137 0.05427 0.05740 0.06078
65 66 67 68 69
70 71 72 73 74
11.892 11.358 10.831 10.313 9.804
0.76622 0.77667 0.78697 0.79710 0.80705
0.06443 0.06838 0.07266 0.07729 0.08232
70 71 72 73 74
75 76 77 78 79
9.305 8.817 8.341 7.878 7.429
0.81679 0.82631 0.83558 0.84460 0.85334
0.08778 0.09372 0.10018 0.10721 0.11487
75 76 77 78 79
80 81 82 83 84
6.993 6.573 6.169 5.780 5.409
0.86178 0.86992 0.87772 0.88518 0.89228
0.12323 0.13234 0.14228 0.15313 0.16497
80 81 82 83 84
85 86 87 88 89
5.054 4.716 4.395 4.091 3.805
0.89899 0.90530 0.91118 0.91659 0.92148
0.17789 0.19198 0.20732 0.22403 0.24218
85 86 87 88 89
90 91 92 93 94
3.535 3.282 3.044 2.820 2.610
0.92575 0.92926 0.93180 0.93294 0.93197
0.26187 0.28317 0.30614 0.33080 0.35711
90 91 92 93 94
95 96 97 98 99 100
2.409 2.214 2.014 1.788 1.489 1.000
0.92752 0.91695 0.89474 0.84891 0.75146 0.53216
0.38499 0.41421 0.44437 0.47482 0.50455 0.53216
95 96 97 98 99 100
163
Interest Rate:
3.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
27.403 27.231 27.058 26.884 26.709
0.20178 0.20679 0.21181 0.21687 0.22199
0.00736 0.00759 0.00783 0.00807 0.00831
20 21 22 23 24
25 26 27 28 29
26.530 26.348 26.160 25.967 25.767
0.22718 0.23249 0.23795 0.24358 0.24940
0.00856 0.00882 0.00910 0.00938 0.00968
25 26 27 28 29
30 31 32 33 34
25.559 25.344 25.120 24.889 24.649
0.25545 0.26172 0.26822 0.27496 0.28193
0.00999 0.01033 0.01068 0.01105 0.01144
30 31 32 33 34
35 36 37 38 39
24.402 24.148 23.888 23.621 23.348
0.28912 0.29651 0.30410 0.31186 0.31981
0.01185 0.01228 0.01273 0.01320 0.01370
35 36 37 38 39
40 41 42 43 44
23.069 22.784 22.493 22.195 21.890
0.32793 0.33623 0.34471 0.35338 0.36225
0.01422 0.01476 0.01533 0.01592 0.01655
40 41 42 43 44
45 46 47 48 49
21.578 21.258 20.929 20.591 20.244
0.37134 0.38067 0.39023 0.40006 0.41017
0.01721 0.01791 0.01865 0.01943 0.02026
45 46 47 48 49
50 51 52 53 54
19.887 19.520 19.142 18.752 18.351
0.42056 0.43125 0.44225 0.45358 0.46525
0.02115 0.02209 0.02310 0.02419 0.02535
50 51 52 53 54
55 56 57 58 59
17.938 17.513 17.079 16.640 16.195
0.47728 0.48967 0.50228 0.51507 0.52803
0.02661 0.02796 0.02941 0.03095 0.03260
55 56 57 58 59
164
Interest Rate:
3.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
15.744 15.289 14.830 14.367 13.901
0.54114 0.55438 0.56775 0.58123 0.59479
0.03437 0.03626 0.03828 0.04046 0.04279
60 61 62 63 64
65 66 67 68 69
13.432 12.962 12.491 12.021 11.551
0.60842 0.62209 0.63579 0.64948 0.66315
0.04530 0.04799 0.05090 0.05403 0.05741
65 66 67 68 69
70 71 72 73 74
11.082 10.617 10.155 9.697 9.246
0.67677 0.69031 0.70374 0.71703 0.73016
0.06107 0.06502 0.06930 0.07394 0.07897
70 71 72 73 74
75 76 77 78 79
8.800 8.363 7.933 7.513 7.103
0.74309 0.75580 0.76825 0.78043 0.79230
0.08444 0.09038 0.09684 0.10387 0.11154
75 76 77 78 79
80 81 82 83 84
6.705 6.318 5.944 5.583 5.236
0.80383 0.81499 0.82577 0.83614 0.84606
0.11989 0.12899 0.13892 0.14975 0.16157
80 81 82 83 84
85 86 87 88 89
4.904 4.586 4.283 3.996 3.723
0.85553 0.86450 0.87294 0.88082 0.88808
0.17446 0.18850 0.20380 0.22045 0.23853
85 86 87 88 89
90 91 92 93 94
3.466 3.223 2.995 2.780 2.576
0.89462 0.90033 0.90497 0.90816 0.90921
0.25814 0.27934 0.30220 0.32674 0.35292
90 91 92 93 94
95 96 97 98 99 100
2.382 2.193 1.998 1.778 1.485 1.000
0.90681 0.89838 0.87855 0.83554 0.74166 0.52699
0.38065 0.40972 0.43972 0.47001 0.49957 0.52699
95 96 97 98 99 100
165
Interest Rate:
4.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
22.677 22.573 22.470 22.366 22.260
0.12779 0.13176 0.13574 0.13975 0.14380
0.00564 0.00584 0.00604 0.00625 0.00646
20 21 22 23 24
25 26 27 28 29
22.152 22.042 21.927 21.808 21.683
0.14794 0.15219 0.15660 0.16119 0.16600
0.00668 0.00690 0.00714 0.00739 0.00766
25 26 27 28 29
30 31 32 33 34
21.552 21.414 21.270 21.119 20.961
0.17103 0.17632 0.18187 0.18768 0.19375
0.00794 0.00823 0.00855 0.00889 0.00924
30 31 32 33 34
35 36 37 38 39
20.796 20.626 20.449 20.267 20.080
0.20007 0.20663 0.21341 0.22041 0.22763
0.00962 0.01002 0.01044 0.01088 0.01134
35 36 37 38 39
40 41 42 43 44
19.886 19.688 19.483 19.272 19.054
0.23505 0.24270 0.25057 0.25868 0.26704
0.01182 0.01233 0.01286 0.01342 0.01401
40 41 42 43 44
45 46 47 48 49
18.830 18.598 18.357 18.108 17.850
0.27567 0.28460 0.29384 0.30341 0.31334
0.01464 0.01530 0.01601 0.01676 0.01755
45 46 47 48 49
50 51 52 53 54
17.582 17.304 17.015 16.715 16.403
0.32364 0.33433 0.34543 0.35697 0.36897
0.01841 0.01932 0.02030 0.02136 0.02249
50 51 52 53 54
55 56 57 58 59
16.079 15.741 15.395 15.042 14.681
0.38144 0.39440 0.40771 0.42130 0.43517
0.02372 0.02506 0.02648 0.02801 0.02964
55 56 57 58 59
166
Interest Rate:
4.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
14.313 13.939 13.559 13.173 12.783
0.44929 0.46367 0.47828 0.49310 0.50812
0.03139 0.03326 0.03527 0.03743 0.03975
60 61 62 63 64
65 66 67 68 69
12.387 11.988 11.585 11.180 10.774
0.52332 0.53866 0.55413 0.56969 0.58532
0.04225 0.04493 0.04783 0.05095 0.05433
65 66 67 68 69
70 71 72 73 74
10.366 9.958 9.551 9.146 8.743
0.60098 0.61665 0.63228 0.64784 0.66329
0.05798 0.06192 0.06620 0.07083 0.07586
70 71 72 73 74
75 76 77 78 79
8.345 7.950 7.562 7.180 6.805
0.67860 0.69372 0.70862 0.72326 0.73761
0.08132 0.08726 0.09371 0.10074 0.10839
75 76 77 78 79
80 81 82 83 84
6.439 6.082 5.736 5.400 5.076
0.75162 0.76525 0.77848 0.79127 0.80358
0.11673 0.12581 0.13572 0.14653 0.15832
80 81 82 83 84
85 86 87 88 89
4.764 4.464 4.178 3.905 3.646
0.81537 0.82663 0.83730 0.84734 0.85669
0.17116 0.18516 0.20041 0.21699 0.23500
85 86 87 88 89
90 91 92 93 94
3.400 3.167 2.948 2.740 2.544
0.86526 0.87293 0.87947 0.88453 0.88743
0.25452 0.27562 0.29837 0.32278 0.34883
90 91 92 93 94
95 96 97 98 99 100
2.356 2.172 1.983 1.768 1.480 1.000
0.88691 0.88047 0.86288 0.82254 0.73209 0.52192
0.37641 0.40532 0.43516 0.46529 0.49468 0.52192
95 96 97 98 99 100
167
Interest Rate:
5.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
19.219 19.155 19.091 19.027 18.963
0.08480 0.08784 0.09087 0.09392 0.09700
0.00441 0.00459 0.00476 0.00494 0.00512
20 21 22 23 24
25 26 27 28 29
18.897 18.828 18.757 18.682 18.603
0.10014 0.10339 0.10678 0.11034 0.11411
0.00530 0.00549 0.00569 0.00591 0.00613
25 26 27 28 29
30 31 32 33 34
18.519 18.430 18.335 18.235 18.129
0.11811 0.12237 0.12688 0.13166 0.13670
0.00638 0.00664 0.00692 0.00722 0.00754
30 31 32 33 34
35 36 37 38 39
18.017 17.901 17.779 17.653 17.522
0.14200 0.14755 0.15333 0.15934 0.16558
0.00788 0.00824 0.00862 0.00903 0.00945
35 36 37 38 39
40 41 42 43 44
17.386 17.245 17.100 16.948 16.791
0.17204 0.17874 0.18568 0.19288 0.20036
0.00990 0.01036 0.01086 0.01138 0.01193
40 41 42 43 44
45 46 47 48 49
16.628 16.458 16.280 16.094 15.900
0.20814 0.21624 0.22470 0.23353 0.24277
0.01252 0.01314 0.01380 0.01451 0.01527
45 46 47 48 49
50 51 52 53 54
15.697 15.484 15.261 15.028 14.783
0.25244 0.26257 0.27318 0.28430 0.29596
0.01608 0.01696 0.01790 0.01892 0.02002
50 51 52 53 54
55 56 57 58 59
14.526 14.256 13.977 13.690 13.395
0.30820 0.32105 0.33432 0.34798 0.36200
0.02122 0.02252 0.02392 0.02542 0.02702
55 56 57 58 59
168
Interest Rate:
5.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
13.093 12.783 12.467 12.143 11.813
0.37639 0.39113 0.40620 0.42160 0.43730
0.02875 0.03060 0.03258 0.03472 0.03702
60 61 62 63 64
65 66 67 68 69
11.478 11.136 10.790 10.440 10.086
0.45327 0.46951 0.48598 0.50265 0.51948
0.03949 0.04216 0.04504 0.04815 0.05150
65 66 67 68 69
70 71 72 73 74
9.729 9.371 9.010 8.650 8.290
0.53645 0.55352 0.57065 0.58779 0.60490
0.05514 0.05907 0.06333 0.06795 0.07297
70 71 72 73 74
75 76 77 78 79
7.932 7.575 7.223 6.874 6.531
0.62195 0.63887 0.65563 0.67218 0.68847
0.07841 0.08433 0.09077 0.09778 0.10542
75 76 77 78 79
80 81 82 83 84
6.194 5.864 5.542 5.229 4.925
0.70446 0.72009 0.73533 0.75012 0.76443
0.11373 0.12280 0.13268 0.14345 0.15520
80 81 82 83 84
85 86 87 88 89
4.632 4.350 4.078 3.819 3.572
0.77822 0.79143 0.80403 0.81595 0.82715
0.16801 0.18195 0.19714 0.21365 0.23158
85 86 87 88 89
90 91 92 93 94
3.337 3.114 2.903 2.703 2.513
0.83752 0.84695 0.85522 0.86197 0.86657
0.25101 0.27201 0.29464 0.31892 0.34483
90 91 92 93 94
95 96 97 98 99 100
2.331 2.153 1.968 1.758 1.475 1.000
0.86779 0.86320 0.84770 0.80991 0.72276 0.51695
0.37227 0.40102 0.43070 0.46066 0.48989 0.51695
95 96 97 98 99 100
169
Interest Rate:
6.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
16.622 16.581 16.540 16.500 16.460
0.05913 0.06145 0.06374 0.06602 0.06831
0.00356 0.00371 0.00385 0.00400 0.00415
20 21 22 23 24
25 26 27 28 29
16.418 16.376 16.331 16.283 16.232
0.07065 0.07307 0.07561 0.07831 0.08119
0.00430 0.00446 0.00463 0.00481 0.00500
25 26 27 28 29
30 31 32 33 34
16.177 16.118 16.055 15.987 15.915
0.08430 0.08763 0.09122 0.09506 0.09916
0.00521 0.00544 0.00568 0.00595 0.00623
30 31 32 33 34
35 36 37 38 39
15.838 15.757 15.672 15.583 15.490
0.10351 0.10809 0.11291 0.11794 0.12320
0.00654 0.00686 0.00720 0.00757 0.00795
35 36 37 38 39
40 41 42 43 44
15.393 15.292 15.187 15.077 14.962
0.12868 0.13440 0.14035 0.14657 0.15307
0.00836 0.00879 0.00924 0.00972 0.01023
40 41 42 43 44
45 46 47 48 49
14.842 14.715 14.582 14.443 14.295
0.15988 0.16703 0.17454 0.18245 0.19080
0.01077 0.01135 0.01197 0.01263 0.01335
45 46 47 48 49
50 51 52 53 54
14.140 13.975 13.802 13.618 13.424
0.19960 0.20889 0.21872 0.22911 0.24011
0.01412 0.01495 0.01585 0.01682 0.01789
50 51 52 53 54
55 56 57 58 59
13.218 13.000 12.774 12.539 12.296
0.25174 0.26407 0.27690 0.29018 0.30391
0.01905 0.02031 0.02168 0.02314 0.02472
55 56 57 58 59
170
Interest Rate:
6.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
12.046 11.787 11.522 11.248 10.968
0.31808 0.33269 0.34773 0.36318 0.37904
0.02641 0.02822 0.03018 0.03229 0.03456
60 61 62 63 64
65 66 67 68 69
10.681 10.388 10.089 9.784 9.475
0.39527 0.41186 0.42878 0.44601 0.46351
0.03701 0.03965 0.04250 0.04558 0.04892
65 66 67 68 69
70 71 72 73 74
9.161 8.844 8.525 8.203 7.880
0.48124 0.49917 0.51726 0.53546 0.55372
0.05253 0.05644 0.06068 0.06528 0.07027
70 71 72 73 74
75 76 77 78 79
7.556 7.234 6.912 6.594 6.278
0.57200 0.59024 0.60839 0.62639 0.64420
0.07570 0.08160 0.08801 0.09500 0.10261
75 76 77 78 79
80 81 82 83 84
5.967 5.661 5.362 5.069 4.785
0.66175 0.67899 0.69586 0.71232 0.72830
0.11090 0.11993 0.12978 0.14052 0.15222
80 81 82 83 84
85 86 87 88 89
4.508 4.242 3.984 3.738 3.502
0.74377 0.75866 0.77292 0.78650 0.79932
0.16497 0.17887 0.19398 0.21042 0.22827
85 86 87 88 89
90 91 92 93 94
3.277 3.063 2.859 2.667 2.483
0.81130 0.82230 0.83212 0.84041 0.84656
0.24760 0.26849 0.29101 0.31516 0.34093
90 91 92 93 94
95 96 97 98 99 100
2.307 2.133 1.954 1.749 1.471 1.000
0.84939 0.84653 0.83301 0.79763 0.71364 0.51208
0.36821 0.39681 0.42633 0.45612 0.48518 0.51208
95 96 97 98 99 100
171
Interest Rate:
7.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
14.623 14.596 14.569 14.543 14.517
0.04335 0.04513 0.04686 0.04857 0.05027
0.00296 0.00309 0.00322 0.00334 0.00346
20 21 22 23 24
25 26 27 28 29
14.491 14.464 14.435 14.404 14.371
0.05199 0.05377 0.05566 0.05767 0.05986
0.00359 0.00372 0.00386 0.00400 0.00417
25 26 27 28 29
30 31 32 33 34
14.334 14.295 14.251 14.205 14.154
0.06223 0.06483 0.06765 0.07071 0.07401
0.00434 0.00454 0.00475 0.00498 0.00523
30 31 32 33 34
35 36 37 38 39
14.100 14.043 13.982 13.918 13.851
0.07754 0.08130 0.08526 0.08944 0.09382
0.00550 0.00579 0.00610 0.00643 0.00677
35 36 37 38 39
40 41 42 43 44
13.781 13.708 13.631 13.550 13.465
0.09841 0.10322 0.10826 0.11355 0.11911
0.00714 0.00753 0.00794 0.00838 0.00885
40 41 42 43 44
45 46 47 48 49
13.375 13.280 13.180 13.074 12.960
0.12497 0.13117 0.13773 0.14470 0.15210
0.00934 0.00988 0.01045 0.01107 0.01174
45 46 47 48 49
50 51 52 53 54
12.840 12.712 12.575 12.430 12.274
0.15997 0.16835 0.17728 0.18681 0.19698
0.01246 0.01324 0.01410 0.01503 0.01605
50 51 52 53 54
55 56 57 58 59
12.108 11.931 11.745 11.551 11.350
0.20783 0.21943 0.23159 0.24425 0.25742
0.01716 0.01839 0.01972 0.02114 0.02268
55 56 57 58 59
172
Interest Rate:
7.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
11.141 10.924 10.699 10.467 10.228
0.27110 0.28529 0.29997 0.31515 0.33081
0.02433 0.02612 0.02804 0.03011 0.03234
60 61 62 63 64
65 66 67 68 69
9.981 9.728 9.468 9.202 8.930
0.34694 0.36352 0.38052 0.39791 0.41568
0.03476 0.03737 0.04019 0.04324 0.04655
65 66 67 68 69
70 71 72 73 74
8.653 8.372 8.086 7.798 7.507
0.43378 0.45218 0.47082 0.48968 0.50869
0.05013 0.05401 0.05822 0.06280 0.06776
70 71 72 73 74
75 76 77 78 79
7.214 6.921 6.628 6.335 6.045
0.52781 0.54698 0.56614 0.58523 0.60420
0.07316 0.07903 0.08542 0.09238 0.09995
75 76 77 78 79
80 81 82 83 84
5.757 5.473 5.194 4.920 4.652
0.62297 0.64149 0.65969 0.67751 0.69489
0.10821 0.11721 0.12702 0.13771 0.14936
80 81 82 83 84
85 86 87 88 89
4.392 4.140 3.895 3.661 3.435
0.71178 0.72810 0.74380 0.75882 0.77307
0.16206 0.17589 0.19094 0.20730 0.22505
85 86 87 88 89
90 91 92 93 94
3.219 3.014 2.818 2.632 2.454
0.78647 0.79888 0.81010 0.81980 0.82737
0.24429 0.26508 0.28747 0.31149 0.33711
90 91 92 93 94
95 96 97 98 99 100
2.283 2.115 1.940 1.740 1.466 1.000
0.83169 0.83044 0.81877 0.78569 0.70474 0.50729
0.36425 0.39268 0.42204 0.45167 0.48057 0.50729
95 96 97 98 99 100
173
Interest Rate:
8.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
13.050 13.031 13.013 12.996 12.979
0.03331 0.03471 0.03605 0.03734 0.03860
0.00255 0.00266 0.00277 0.00287 0.00297
20 21 22 23 24
25 26 27 28 29
12.962 12.944 12.925 12.905 12.883
0.03987 0.04118 0.04257 0.04406 0.04571
0.00308 0.00318 0.00329 0.00341 0.00355
25 26 27 28 29
30 31 32 33 34
12.858 12.831 12.801 12.768 12.733
0.04753 0.04953 0.05175 0.05419 0.05684
0.00370 0.00386 0.00404 0.00424 0.00446
30 31 32 33 34
35 36 37 38 39
12.694 12.652 12.608 12.562 12.513
0.05971 0.06278 0.06604 0.06949 0.07313
0.00470 0.00496 0.00524 0.00553 0.00584
35 36 37 38 39
40 41 42 43 44
12.461 12.407 12.349 12.289 12.225
0.07695 0.08098 0.08521 0.08968 0.09440
0.00618 0.00653 0.00690 0.00730 0.00772
40 41 42 43 44
45 46 47 48 49
12.158 12.086 12.009 11.927 11.840
0.09941 0.10473 0.11041 0.11648 0.12297
0.00818 0.00867 0.00919 0.00977 0.01039
45 46 47 48 49
50 51 52 53 54
11.746 11.645 11.536 11.420 11.294
0.12993 0.13741 0.14544 0.15408 0.16337
0.01106 0.01180 0.01261 0.01349 0.01447
50 51 52 53 54
55 56 57 58 59
11.159 11.013 10.860 10.699 10.530
0.17338 0.18417 0.19555 0.20747 0.21994
0.01554 0.01672 0.01801 0.01939 0.02089
55 56 57 58 59
174
Interest Rate:
8.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
10.354 10.171 9.980 9.781 9.575
0.23297 0.24656 0.26070 0.27540 0.29065
0.02250 0.02424 0.02612 0.02816 0.03035
60 61 62 63 64
65 66 67 68 69
9.362 9.142 8.915 8.681 8.441
0.30644 0.32275 0.33956 0.35686 0.37461
0.03273 0.03530 0.03809 0.04111 0.04438
65 66 67 68 69
70 71 72 73 74
8.196 7.945 7.690 7.430 7.167
0.39279 0.41135 0.43026 0.44947 0.46892
0.04792 0.05177 0.05595 0.06049 0.06542
70 71 72 73 74
75 76 77 78 79
6.902 6.634 6.366 6.097 5.829
0.48858 0.50837 0.52824 0.54813 0.56796
0.07079 0.07663 0.08298 0.08990 0.09744
75 76 77 78 79
80 81 82 83 84
5.562 5.298 5.037 4.780 4.528
0.58767 0.60720 0.62646 0.64540 0.66394
0.10566 0.11461 0.12438 0.13502 0.14662
80 81 82 83 84
85 86 87 88 89
4.282 4.043 3.811 3.587 3.372
0.68202 0.69956 0.71650 0.73277 0.74828
0.15926 0.17303 0.18800 0.20428 0.22194
85 86 87 88 89
90 91 92 93 94
3.165 2.967 2.778 2.598 2.427
0.76294 0.77661 0.78910 0.80007 0.80896
0.24108 0.26175 0.28402 0.30790 0.33338
90 91 92 93 94
95 96 97 98 99 100
2.261 2.097 1.926 1.731 1.462 1.000
0.81464 0.81489 0.80497 0.77407 0.69605 0.50259
0.36037 0.38864 0.41784 0.44731 0.47604 0.50259
95 96 97 98 99 100
175
Interest Rate:
9.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
11.788 11.774 11.761 11.749 11.738
0.02670 0.02783 0.02888 0.02987 0.03083
0.00226 0.00236 0.00246 0.00254 0.00263
20 21 22 23 24
25 26 27 28 29
11.726 11.715 11.702 11.689 11.674
0.03177 0.03273 0.03375 0.03486 0.03610
0.00271 0.00279 0.00288 0.00298 0.00309
25 26 27 28 29
30 31 32 33 34
11.657 11.638 11.617 11.593 11.567
0.03749 0.03905 0.04080 0.04274 0.04489
0.00322 0.00336 0.00351 0.00369 0.00388
30 31 32 33 34
35 36 37 38 39
11.539 11.509 11.476 11.441 11.405
0.04723 0.04975 0.05244 0.05530 0.05832
0.00409 0.00432 0.00457 0.00483 0.00511
35 36 37 38 39
40 41 42 43 44
11.366 11.325 11.282 11.237 11.188
0.06151 0.06488 0.06843 0.07220 0.07619
0.00541 0.00573 0.00607 0.00643 0.00681
40 41 42 43 44
45 46 47 48 49
11.137 11.082 11.022 10.959 10.890
0.08045 0.08500 0.08989 0.09515 0.10081
0.00722 0.00767 0.00816 0.00868 0.00926
45 46 47 48 49
50 51 52 53 54
10.816 10.736 10.649 10.555 10.452
0.10694 0.11356 0.12073 0.12851 0.13695
0.00989 0.01058 0.01134 0.01218 0.01310
50 51 52 53 54
55 56 57 58 59
10.341 10.221 10.093 9.958 9.816
0.14612 0.15608 0.16665 0.17779 0.18950
0.01413 0.01527 0.01651 0.01785 0.01931
55 56 57 58 59
176
Interest Rate:
9.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
9.667 9.510 9.347 9.176 8.998
0.20180 0.21470 0.22820 0.24230 0.25700
0.02088 0.02258 0.02441 0.02641 0.02856
60 61 62 63 64
65 66 67 68 69
8.813 8.620 8.421 8.215 8.002
0.27230 0.28818 0.30464 0.32165 0.33919
0.03090 0.03343 0.03618 0.03915 0.04239
65 66 67 68 69
70 71 72 73 74
7.784 7.559 7.330 7.096 6.857
0.35723 0.37574 0.39468 0.41401 0.43368
0.04589 0.04970 0.05385 0.05835 0.06324
70 71 72 73 74
75 76 77 78 79
6.616 6.371 6.124 5.877 5.628
0.45363 0.47380 0.49414 0.51458 0.53504
0.06857 0.07437 0.08068 0.08757 0.09506
75 76 77 78 79
80 81 82 83 84
5.381 5.134 4.890 4.649 4.411
0.55547 0.57577 0.59588 0.61572 0.63521
0.10324 0.11215 0.12186 0.13245 0.14399
80 81 82 83 84
85 86 87 88 89
4.179 3.952 3.731 3.517 3.311
0.65429 0.67287 0.69088 0.70823 0.72485
0.15657 0.17026 0.18516 0.20135 0.21892
85 86 87 88 89
90 91 92 93 94
3.113 2.922 2.740 2.566 2.400
0.74063 0.75543 0.76905 0.78119 0.79126
0.23795 0.25851 0.28065 0.30440 0.32974
90 91 92 93 94
95 96 97 98 99 100
2.239 2.079 1.913 1.722 1.458 1.000
0.79821 0.79987 0.79158 0.76276 0.68755 0.49798
0.35657 0.38469 0.41372 0.44303 0.47160 0.49798
95 96 97 98 99 100
177
Interest Rate:
10.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
10.756 10.746 10.736 10.728 10.720
0.02218 0.02311 0.02397 0.02475 0.02548
0.00206 0.00215 0.00223 0.00231 0.00238
20 21 22 23 24
25 26 27 28 29
10.712 10.704 10.696 10.687 10.677
0.02618 0.02689 0.02764 0.02847 0.02940
0.00244 0.00251 0.00258 0.00266 0.00275
25 26 27 28 29
30 31 32 33 34
10.665 10.651 10.636 10.619 10.600
0.03047 0.03169 0.03308 0.03465 0.03640
0.00286 0.00298 0.00311 0.00326 0.00343
30 31 32 33 34
35 36 37 38 39
10.578 10.556 10.531 10.505 10.477
0.03832 0.04040 0.04264 0.04502 0.04755
0.00362 0.00383 0.00405 0.00429 0.00454
35 36 37 38 39
40 41 42 43 44
10.448 10.416 10.384 10.349 10.311
0.05022 0.05304 0.05603 0.05921 0.06259
0.00481 0.00509 0.00540 0.00572 0.00607
40 41 42 43 44
45 46 47 48 49
10.272 10.229 10.183 10.133 10.078
0.06621 0.07010 0.07430 0.07884 0.08378
0.00645 0.00685 0.00730 0.00778 0.00831
45 46 47 48 49
50 51 52 53 54
10.019 9.955 9.885 9.808 9.724
0.08914 0.09499 0.10138 0.10836 0.11599
0.00890 0.00954 0.01026 0.01105 0.01193
50 51 52 53 54
55 56 57 58 59
9.632 9.531 9.424 9.310 9.189
0.12435 0.13351 0.14329 0.15364 0.16459
0.01291 0.01401 0.01521 0.01650 0.01791
55 56 57 58 59
178
Interest Rate:
10.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
9.062 8.928 8.787 8.640 8.485
0.17614 0.18832 0.20112 0.21456 0.22864
0.01944 0.02109 0.02289 0.02483 0.02695
60 61 62 63 64
65 66 67 68 69
8.323 8.154 7.978 7.795 7.606
0.24336 0.25871 0.27469 0.29129 0.30848
0.02924 0.03173 0.03443 0.03737 0.04056
65 66 67 68 69
70 71 72 73 74
7.411 7.209 7.002 6.790 6.573
0.32624 0.34455 0.36336 0.38263 0.40233
0.04402 0.04779 0.05189 0.05635 0.06121
70 71 72 73 74
75 76 77 78 79
6.353 6.128 5.901 5.672 5.442
0.42239 0.44276 0.46338 0.48417 0.50507
0.06649 0.07225 0.07852 0.08536 0.09281
75 76 77 78 79
80 81 82 83 84
5.211 4.981 4.752 4.525 4.301
0.52601 0.54690 0.56767 0.58823 0.60850
0.10093 0.10979 0.11945 0.12999 0.14147
80 81 82 83 84
85 86 87 88 89
4.081 3.866 3.655 3.451 3.253
0.62841 0.64786 0.66678 0.68508 0.70267
0.15398 0.16760 0.18242 0.19852 0.21599
85 86 87 88 89
90 91 92 93 94
3.063 2.879 2.704 2.535 2.374
0.71944 0.73525 0.74990 0.76309 0.77426
0.23492 0.25536 0.27737 0.30099 0.32617
90 91 92 93 94
95 96 97 98 99 100
2.217 2.062 1.900 1.713 1.454 1.000
0.78238 0.78534 0.77860 0.75175 0.67924 0.49345
0.35285 0.38081 0.40968 0.43883 0.46723 0.49345
95 96 97 98 99 100
179
Interest Rate:
0.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
57.582 56.666 55.755 54.847 53.941
0.99681 0.99680 0.99680 0.99679 0.99679
0.01731 0.01759 0.01788 0.01817 0.01848
20 21 22 23 24
25 26 27 28 29
53.035 52.129 51.221 50.308 49.392
0.99678 0.99678 0.99677 0.99676 0.99676
0.01879 0.01912 0.01946 0.01981 0.02018
25 26 27 28 29
30 31 32 33 34
48.470 47.543 46.611 45.674 44.733
0.99675 0.99675 0.99674 0.99674 0.99673
0.02056 0.02097 0.02138 0.02182 0.02228
30 31 32 33 34
35 36 37 38 39
43.790 42.845 41.899 40.954 40.009
0.99673 0.99673 0.99672 0.99672 0.99671
0.02276 0.02326 0.02379 0.02434 0.02491
35 36 37 38 39
40 41 42 43 44
39.066 38.124 37.184 36.245 35.309
0.99671 0.99670 0.99670 0.99669 0.99669
0.02551 0.02614 0.02680 0.02750 0.02823
40 41 42 43 44
45 46 47 48 49
34.373 33.444 32.521 31.603 30.691
0.99668 0.99667 0.99667 0.99666 0.99665
0.02900 0.02980 0.03065 0.03154 0.03247
45 46 47 48 49
50 51 52 53 54
29.786 28.887 27.996 27.113 26.237
0.99664 0.99662 0.99661 0.99660 0.99658
0.03346 0.03450 0.03560 0.03676 0.03798
50 51 52 53 54
55 56 57 58 59
25.371 24.514 23.666 22.828 22.002
0.99656 0.99654 0.99652 0.99650 0.99647
0.03928 0.04065 0.04211 0.04365 0.04529
55 56 57 58 59
180
Interest Rate:
0.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
21.186 20.382 19.591 18.812 18.047
0.99644 0.99640 0.99636 0.99632 0.99627
0.04703 0.04889 0.05086 0.05296 0.05520
60 61 62 63 64
65 66 67 68 69
17.296 16.559 15.837 15.131 14.441
0.99622 0.99616 0.99609 0.99601 0.99592
0.05760 0.06016 0.06289 0.06582 0.06896
65 66 67 68 69
70 71 72 73 74
13.768 13.112 12.473 11.852 11.250
0.99582 0.99571 0.99558 0.99544 0.99527
0.07233 0.07594 0.07982 0.08399 0.08847
70 71 72 73 74
75 76 77 78 79
10.666 10.101 9.555 9.029 8.522
0.99508 0.99486 0.99460 0.99430 0.99395
0.09330 0.09849 0.10409 0.11012 0.11663
75 76 77 78 79
80 81 82 83 84
8.035 7.567 7.120 6.691 6.282
0.99354 0.99305 0.99246 0.99176 0.99090
0.12365 0.13123 0.13940 0.14822 0.15773
80 81 82 83 84
85 86 87 88 89
5.892 5.521 5.169 4.833 4.515
0.98985 0.98855 0.98691 0.98482 0.98212
0.16799 0.17904 0.19095 0.20375 0.21750
85 86 87 88 89
90 91 92 93 94
4.214 3.927 3.653 3.391 3.136
0.97857 0.97381 0.96731 0.95823 0.94520
0.23224 0.24799 0.26478 0.28259 0.30138
90 91 92 93 94
95 96 97 98 99 100
2.884 2.627 2.349 2.026 1.608 1.000
0.92601 0.89687 0.85107 0.77637 0.64937 0.42331
0.32105 0.34145 0.36232 0.38328 0.40383 0.42331
95 96 97 98 99 100
181
Interest Rate:
1.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
43.440 42.928 42.415 41.899 41.380
0.56847 0.57353 0.57859 0.58368 0.58880
0.01309 0.01336 0.01364 0.01393 0.01423
20 21 22 23 24
25 26 27 28 29
40.857 40.328 39.793 39.249 38.697
0.59396 0.59918 0.60447 0.60983 0.61528
0.01454 0.01486 0.01519 0.01554 0.01590
25 26 27 28 29
30 31 32 33 34
38.135 37.564 36.984 36.394 35.795
0.62082 0.62646 0.63219 0.63801 0.64391
0.01628 0.01668 0.01709 0.01753 0.01799
30 31 32 33 34
35 36 37 38 39
35.189 34.575 33.955 33.329 32.697
0.64990 0.65596 0.66208 0.66826 0.67449
0.01847 0.01897 0.01950 0.02005 0.02063
35 36 37 38 39
40 41 42 43 44
32.061 31.419 30.773 30.122 29.466
0.68077 0.68711 0.69348 0.69991 0.70638
0.02123 0.02187 0.02254 0.02324 0.02397
40 41 42 43 44
45 46 47 48 49
28.805 28.143 27.479 26.813 26.146
0.71290 0.71944 0.72599 0.73255 0.73913
0.02475 0.02556 0.02642 0.02732 0.02827
45 46 47 48 49
50 51 52 53 54
25.479 24.811 24.143 23.475 22.808
0.74571 0.75230 0.75888 0.76546 0.77203
0.02927 0.03032 0.03143 0.03261 0.03385
50 51 52 53 54
55 56 57 58 59
22.143 21.479 20.818 20.160 19.505
0.77859 0.78512 0.79163 0.79811 0.80456
0.03516 0.03655 0.03803 0.03959 0.04125
55 56 57 58 59
182
Interest Rate:
1.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
18.854 18.208 17.567 16.932 16.303
0.81096 0.81731 0.82360 0.82984 0.83600
0.04301 0.04489 0.04688 0.04901 0.05128
60 61 62 63 64
65 66 67 68 69
15.682 15.068 14.463 13.867 13.281
0.84209 0.84810 0.85401 0.85983 0.86554
0.05370 0.05628 0.05905 0.06200 0.06517
65 66 67 68 69
70 71 72 73 74
12.705 12.141 11.588 11.047 10.519
0.87114 0.87661 0.88196 0.88717 0.89223
0.06856 0.07220 0.07611 0.08031 0.08482
70 71 72 73 74
75 76 77 78 79
10.005 9.504 9.018 8.546 8.090
0.89714 0.90189 0.90646 0.91085 0.91504
0.08967 0.09490 0.10052 0.10658 0.11311
75 76 77 78 79
80 81 82 83 84
7.649 7.224 6.815 6.421 6.044
0.91902 0.92278 0.92629 0.92953 0.93247
0.12015 0.12774 0.13593 0.14475 0.15427
80 81 82 83 84
85 86 87 88 89
5.683 5.338 5.009 4.695 4.395
0.93508 0.93728 0.93902 0.94018 0.94061
0.16453 0.17558 0.18748 0.20027 0.21400
85 86 87 88 89
90 91 92 93 94
4.110 3.839 3.579 3.329 3.085
0.94009 0.93829 0.93468 0.92847 0.91834
0.22871 0.24443 0.26118 0.27894 0.29768
90 91 92 93 94
95 96 97 98 99 100
2.843 2.595 2.326 2.012 1.602 1.000
0.90215 0.87618 0.83385 0.76303 0.64041 0.41912
0.31730 0.33763 0.35843 0.37931 0.39976 0.41912
95 96 97 98 99 100
183
Interest Rate:
2.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
33.939 33.648 33.354 33.056 32.754
0.33388 0.33958 0.34533 0.35115 0.35706
0.00984 0.01009 0.01035 0.01062 0.01090
20 21 22 23 24
25 26 27 28 29
32.448 32.134 31.814 31.485 31.147
0.36306 0.36918 0.37545 0.38188 0.38849
0.01119 0.01149 0.01180 0.01213 0.01247
25 26 27 28 29
30 31 32 33 34
30.800 30.442 30.075 29.698 29.311
0.39529 0.40228 0.40946 0.41684 0.42441
0.01283 0.01321 0.01361 0.01404 0.01448
30 31 32 33 34
35 36 37 38 39
28.914 28.509 28.096 27.675 27.246
0.43217 0.44009 0.44818 0.45642 0.46481
0.01495 0.01544 0.01595 0.01649 0.01706
35 36 37 38 39
40 41 42 43 44
26.809 26.366 25.915 25.456 24.990
0.47334 0.48202 0.49084 0.49981 0.50892
0.01766 0.01828 0.01894 0.01963 0.02036
40 41 42 43 44
45 46 47 48 49
24.516 24.038 23.554 23.065 22.571
0.51819 0.52755 0.53702 0.54658 0.55624
0.02114 0.02195 0.02280 0.02370 0.02464
45 46 47 48 49
50 51 52 53 54
22.072 21.570 21.063 20.553 20.039
0.56598 0.57581 0.58572 0.59569 0.60573
0.02564 0.02670 0.02781 0.02898 0.03023
50 51 52 53 54
55 56 57 58 59
19.523 19.004 18.483 17.960 17.437
0.61582 0.62596 0.63614 0.64635 0.65657
0.03154 0.03294 0.03442 0.03599 0.03765
55 56 57 58 59
184
Interest Rate:
2.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
16.912 16.388 15.865 15.343 14.823
0.66680 0.67703 0.68724 0.69742 0.70757
0.03943 0.04131 0.04332 0.04546 0.04774
60 61 62 63 64
65 66 67 68 69
14.305 13.790 13.280 12.773 12.272
0.71766 0.72768 0.73762 0.74747 0.75720
0.05017 0.05277 0.05555 0.05852 0.06170
65 66 67 68 69
70 71 72 73 74
11.777 11.289 10.807 10.334 9.870
0.76681 0.77629 0.78560 0.79475 0.80371
0.06511 0.06877 0.07269 0.07690 0.08143
70 71 72 73 74
75 76 77 78 79
9.414 8.969 8.534 8.110 7.698
0.81246 0.82100 0.82931 0.83736 0.84515
0.08630 0.09154 0.09718 0.10325 0.10979
75 76 77 78 79
80 81 82 83 84
7.298 6.910 6.535 6.173 5.824
0.85265 0.85984 0.86670 0.87320 0.87930
0.11684 0.12444 0.13263 0.14146 0.15098
80 81 82 83 84
85 86 87 88 89
5.489 5.167 4.859 4.564 4.282
0.88498 0.89017 0.89480 0.89877 0.90193
0.16123 0.17227 0.18415 0.19692 0.21062
85 86 87 88 89
90 91 92 93 94
4.013 3.755 3.508 3.269 3.036
0.90408 0.90489 0.90387 0.90025 0.89277
0.22529 0.24098 0.25768 0.27539 0.29407
90 91 92 93 94
95 96 97 98 99 100
2.804 2.565 2.305 1.998 1.596 1.000
0.87933 0.85630 0.81722 0.75009 0.63169 0.41501
0.31363 0.33390 0.35462 0.37542 0.39577 0.41501
95 96 97 98 99 100
185
Interest Rate:
3.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
27.360 27.191 27.019 26.845 26.667
0.20282 0.20773 0.21272 0.21779 0.22297
0.00741 0.00764 0.00787 0.00811 0.00836
20 21 22 23 24
25 26 27 28 29
26.484 26.296 26.102 25.900 25.690
0.22828 0.23374 0.23940 0.24526 0.25136
0.00862 0.00889 0.00917 0.00947 0.00978
25 26 27 28 29
30 31 32 33 34
25.472 25.245 25.008 24.763 24.508
0.25771 0.26431 0.27118 0.27831 0.28571
0.01012 0.01047 0.01084 0.01124 0.01166
30 31 32 33 34
35 36 37 38 39
24.245 23.973 23.693 23.405 23.109
0.29337 0.30127 0.30942 0.31779 0.32639
0.01210 0.01257 0.01306 0.01358 0.01412
35 36 37 38 39
40 41 42 43 44
22.805 22.494 22.174 21.847 21.511
0.33522 0.34428 0.35357 0.36309 0.37286
0.01470 0.01531 0.01594 0.01662 0.01733
40 41 42 43 44
45 46 47 48 49
21.166 20.815 20.458 20.093 19.723
0.38288 0.39308 0.40347 0.41406 0.42482
0.01809 0.01888 0.01972 0.02061 0.02154
45 46 47 48 49
50 51 52 53 54
19.346 18.963 18.574 18.180 17.780
0.43578 0.44691 0.45821 0.46967 0.48129
0.02253 0.02357 0.02467 0.02583 0.02707
50 51 52 53 54
55 56 57 58 59
17.374 16.964 16.550 16.131 15.709
0.49307 0.50498 0.51702 0.52918 0.54144
0.02838 0.02977 0.03124 0.03280 0.03447
55 56 57 58 59
186
Interest Rate:
3.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
15.283 14.855 14.424 13.991 13.557
0.55380 0.56624 0.57874 0.59130 0.60388
0.03624 0.03812 0.04012 0.04226 0.04454
60 61 62 63 64
65 66 67 68 69
13.123 12.688 12.254 11.821 11.391
0.61648 0.62908 0.64165 0.65418 0.66665
0.04698 0.04958 0.05236 0.05534 0.05853
65 66 67 68 69
70 71 72 73 74
10.962 10.538 10.117 9.701 9.290
0.67903 0.69131 0.70346 0.71546 0.72729
0.06194 0.06560 0.06953 0.07375 0.07829
70 71 72 73 74
75 76 77 78 79
8.885 8.487 8.097 7.715 7.341
0.73892 0.75034 0.76151 0.77242 0.78303
0.08316 0.08841 0.09405 0.10013 0.10667
75 76 77 78 79
80 81 82 83 84
6.976 6.622 6.277 5.943 5.620
0.79333 0.80329 0.81288 0.82206 0.83081
0.11372 0.12131 0.12950 0.13832 0.14783
80 81 82 83 84
85 86 87 88 89
5.308 5.008 4.719 4.442 4.176
0.83907 0.84679 0.85389 0.86029 0.86584
0.15807 0.16909 0.18094 0.19368 0.20735
85 86 87 88 89
90 91 92 93 94
3.921 3.676 3.440 3.212 2.989
0.87032 0.87345 0.87475 0.87347 0.86839
0.22199 0.23762 0.25428 0.27193 0.29055
90 91 92 93 94
95 96 97 98 99 100
2.766 2.535 2.283 1.985 1.590 1.000
0.85748 0.83720 0.80117 0.73754 0.62317 0.41098
0.31005 0.33024 0.35089 0.37160 0.39186 0.41098
95 96 97 98 99 100
187
Interest Rate:
4.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
22.668 22.568 22.466 22.362 22.256
0.12803 0.13187 0.13577 0.13976 0.14386
0.00565 0.00584 0.00604 0.00625 0.00646
20 21 22 23 24
25 26 27 28 29
22.145 22.031 21.911 21.786 21.654
0.14809 0.15249 0.15708 0.16190 0.16697
0.00669 0.00692 0.00717 0.00743 0.00771
25 26 27 28 29
30 31 32 33 34
21.514 21.368 21.213 21.051 20.881
0.17232 0.17795 0.18388 0.19011 0.19665
0.00801 0.00833 0.00867 0.00903 0.00942
30 31 32 33 34
35 36 37 38 39
20.703 20.517 20.324 20.124 19.917
0.20349 0.21061 0.21802 0.22571 0.23368
0.00983 0.01026 0.01073 0.01122 0.01173
35 36 37 38 39
40 41 42 43 44
19.702 19.480 19.250 19.012 18.766
0.24193 0.25047 0.25929 0.26842 0.27786
0.01228 0.01286 0.01347 0.01412 0.01481
40 41 42 43 44
45 46 47 48 49
18.512 18.251 17.983 17.709 17.427
0.28764 0.29765 0.30793 0.31848 0.32929
0.01554 0.01631 0.01712 0.01798 0.01890
45 46 47 48 49
50 51 52 53 54
17.139 16.843 16.541 16.233 15.918
0.34037 0.35170 0.36329 0.37514 0.38723
0.01986 0.02088 0.02196 0.02311 0.02433
50 51 52 53 54
55 56 57 58 59
15.597 15.269 14.936 14.598 14.254
0.39956 0.41212 0.42490 0.43790 0.45109
0.02562 0.02699 0.02845 0.03000 0.03165
55 56 57 58 59
188
Interest Rate:
4.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
13.905 13.552 13.194 12.833 12.469
0.46448 0.47803 0.49174 0.50559 0.51957
0.03340 0.03527 0.03727 0.03940 0.04167
60 61 62 63 64
65 66 67 68 69
12.101 11.732 11.361 10.989 10.616
0.53364 0.54780 0.56201 0.57626 0.59051
0.04410 0.04669 0.04947 0.05244 0.05562
65 66 67 68 69
70 71 72 73 74
10.244 9.873 9.503 9.135 8.771
0.60476 0.61896 0.63309 0.64712 0.66103
0.05903 0.06269 0.06662 0.07084 0.07537
70 71 72 73 74
75 76 77 78 79
8.409 8.053 7.701 7.355 7.015
0.67478 0.68835 0.70170 0.71481 0.72764
0.08024 0.08548 0.09112 0.09719 0.10373
75 76 77 78 79
80 81 82 83 84
6.682 6.357 6.039 5.730 5.430
0.74016 0.75234 0.76414 0.77553 0.78647
0.11077 0.11836 0.12653 0.13534 0.14482
80 81 82 83 84
85 86 87 88 89
5.140 4.859 4.588 4.327 4.075
0.79689 0.80676 0.81599 0.82448 0.83210
0.15504 0.16604 0.17786 0.19056 0.20419
85 86 87 88 89
90 91 92 93 94
3.833 3.600 3.376 3.158 2.944
0.83865 0.84383 0.84720 0.84803 0.84514
0.21878 0.23437 0.25097 0.26856 0.28712
90 91 92 93 94
95 96 97 98 99 100
2.729 2.507 2.263 1.972 1.585 1.000
0.83656 0.81882 0.78567 0.72535 0.61487 0.40703
0.30654 0.32667 0.34724 0.36786 0.38802 0.40703
95 96 97 98 99 100
189
Interest Rate:
5.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
19.227 19.167 19.106 19.043 18.978
0.08436 0.08723 0.09014 0.09313 0.09621
0.00439 0.00455 0.00472 0.00489 0.00507
20 21 22 23 24
25 26 27 28 29
18.911 18.840 18.766 18.686 18.602
0.09941 0.10277 0.10631 0.11008 0.11409
0.00526 0.00545 0.00567 0.00589 0.00613
25 26 27 28 29
30 31 32 33 34
18.512 18.416 18.313 18.204 18.089
0.11837 0.12294 0.12782 0.13301 0.13851
0.00639 0.00668 0.00698 0.00731 0.00766
30 31 32 33 34
35 36 37 38 39
17.966 17.837 17.702 17.561 17.413
0.14433 0.15046 0.15689 0.16362 0.17066
0.00803 0.00844 0.00886 0.00932 0.00980
35 36 37 38 39
40 41 42 43 44
17.258 17.097 16.930 16.755 16.572
0.17800 0.18566 0.19364 0.20197 0.21065
0.01031 0.01086 0.01144 0.01205 0.01271
40 41 42 43 44
45 46 47 48 49
16.381 16.185 15.982 15.772 15.555
0.21971 0.22906 0.23873 0.24871 0.25902
0.01341 0.01415 0.01494 0.01577 0.01665
45 46 47 48 49
50 51 52 53 54
15.331 15.101 14.864 14.620 14.369
0.26965 0.28060 0.29188 0.30348 0.31540
0.01759 0.01858 0.01964 0.02076 0.02195
50 51 52 53 54
55 56 57 58 59
14.112 13.848 13.578 13.302 13.019
0.32763 0.34017 0.35301 0.36615 0.37958
0.02322 0.02456 0.02600 0.02753 0.02915
55 56 57 58 59
190
Interest Rate:
5.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
12.731 12.437 12.138 11.835 11.526
0.39327 0.40723 0.42144 0.43587 0.45051
0.03089 0.03274 0.03472 0.03683 0.03909
60 61 62 63 64
65 66 67 68 69
11.214 10.898 10.579 10.257 9.933
0.46535 0.48035 0.49550 0.51077 0.52613
0.04150 0.04408 0.04684 0.04980 0.05297
65 66 67 68 69
70 71 72 73 74
9.608 9.282 8.955 8.629 8.304
0.54156 0.55703 0.57250 0.58794 0.60332
0.05637 0.06001 0.06393 0.06814 0.07266
70 71 72 73 74
75 76 77 78 79
7.980 7.659 7.341 7.027 6.717
0.61861 0.63376 0.64875 0.66354 0.67809
0.07752 0.08275 0.08837 0.09443 0.10096
75 76 77 78 79
80 81 82 83 84
6.412 6.113 5.819 5.533 5.254
0.69236 0.70631 0.71990 0.73309 0.74584
0.10798 0.11555 0.12371 0.13249 0.14195
80 81 82 83 84
85 86 87 88 89
4.983 4.719 4.464 4.218 3.980
0.75808 0.76976 0.78079 0.79109 0.80052
0.15214 0.16310 0.17489 0.18755 0.20113
85 86 87 88 89
90 91 92 93 94
3.750 3.529 3.314 3.106 2.900
0.80888 0.81589 0.82110 0.82384 0.82295
0.21568 0.23121 0.24774 0.26528 0.28377
90 91 92 93 94
95 96 97 98 99 100
2.694 2.479 2.243 1.959 1.579 1.000
0.81652 0.80114 0.77068 0.71353 0.60677 0.40316
0.30312 0.32317 0.34366 0.36420 0.38426 0.40316
95 96 97 98 99 100
191
Interest Rate:
6.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
16.638 16.600 16.563 16.524 16.484
0.05822 0.06032 0.06245 0.06463 0.06688
0.00350 0.00363 0.00377 0.00391 0.00406
20 21 22 23 24
25 26 27 28 29
16.443 16.399 16.352 16.302 16.247
0.06923 0.07172 0.07437 0.07722 0.08030
0.00421 0.00437 0.00455 0.00474 0.00494
25 26 27 28 29
30 31 32 33 34
16.188 16.124 16.055 15.980 15.900
0.08365 0.08726 0.09118 0.09539 0.09992
0.00517 0.00541 0.00568 0.00597 0.00628
30 31 32 33 34
35 36 37 38 39
15.815 15.724 15.627 15.526 15.419
0.10476 0.10990 0.11535 0.12110 0.12716
0.00662 0.00699 0.00738 0.00780 0.00825
35 36 37 38 39
40 41 42 43 44
15.306 15.187 15.063 14.932 14.795
0.13353 0.14024 0.14728 0.15468 0.16246
0.00872 0.00923 0.00978 0.01036 0.01098
40 41 42 43 44
45 46 47 48 49
14.650 14.500 14.343 14.181 14.012
0.17064 0.17914 0.18798 0.19717 0.20672
0.01165 0.01235 0.01311 0.01390 0.01475
45 46 47 48 49
50 51 52 53 54
13.836 13.655 13.466 13.271 13.070
0.21663 0.22692 0.23757 0.24859 0.25998
0.01566 0.01662 0.01764 0.01873 0.01989
50 51 52 53 54
55 56 57 58 59
12.862 12.647 12.426 12.198 11.964
0.27175 0.28389 0.29639 0.30926 0.32248
0.02113 0.02245 0.02385 0.02535 0.02695
55 56 57 58 59
192
Interest Rate:
6.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
11.724 11.478 11.226 10.969 10.706
0.33605 0.34996 0.36419 0.37873 0.39356
0.02866 0.03049 0.03244 0.03453 0.03676
60 61 62 63 64
65 66 67 68 69
10.439 10.167 9.890 9.611 9.328
0.40867 0.42403 0.43962 0.45542 0.47139
0.03915 0.04171 0.04445 0.04739 0.05054
65 66 67 68 69
70 71 72 73 74
9.042 8.754 8.464 8.173 7.882
0.48752 0.50376 0.52008 0.53646 0.55285
0.05392 0.05755 0.06145 0.06563 0.07014
70 71 72 73 74
75 76 77 78 79
7.591 7.301 7.013 6.727 6.443
0.56921 0.58551 0.60171 0.61776 0.63362
0.07498 0.08019 0.08580 0.09184 0.09834
75 76 77 78 79
80 81 82 83 84
6.163 5.887 5.616 5.350 5.090
0.64925 0.66460 0.67963 0.69429 0.70852
0.10534 0.11289 0.12102 0.12978 0.13921
80 81 82 83 84
85 86 87 88 89
4.836 4.589 4.348 4.116 3.890
0.72228 0.73549 0.74807 0.75993 0.77092
0.14936 0.16029 0.17203 0.18465 0.19818
85 86 87 88 89
90 91 92 93 94
3.672 3.461 3.256 3.056 2.858
0.78087 0.78949 0.79637 0.80082 0.80176
0.21266 0.22814 0.24461 0.26207 0.28049
90 91 92 93 94
95 96 97 98 99 100
2.660 2.452 2.223 1.947 1.574 1.000
0.79729 0.78412 0.75620 0.70204 0.59887 0.39935
0.29977 0.31974 0.34015 0.36061 0.38057 0.39935
95 96 97 98 99 100
193
Interest Rate:
7.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
14.641 14.618 14.594 14.570 14.546
0.04214 0.04368 0.04522 0.04679 0.04841
0.00288 0.00299 0.00310 0.00321 0.00333
20 21 22 23 24
25 26 27 28 29
14.520 14.492 14.462 14.430 14.394
0.05010 0.05190 0.05384 0.05596 0.05829
0.00345 0.00358 0.00372 0.00388 0.00405
25 26 27 28 29
30 31 32 33 34
14.355 14.312 14.264 14.213 14.156
0.06086 0.06369 0.06679 0.07017 0.07385
0.00424 0.00445 0.00468 0.00494 0.00522
30 31 32 33 34
35 36 37 38 39
14.095 14.030 13.960 13.886 13.807
0.07783 0.08210 0.08666 0.09152 0.09668
0.00552 0.00585 0.00621 0.00659 0.00700
35 36 37 38 39
40 41 42 43 44
13.724 13.635 13.541 13.442 13.337
0.10215 0.10794 0.11406 0.12055 0.12743
0.00744 0.00792 0.00842 0.00897 0.00955
40 41 42 43 44
45 46 47 48 49
13.225 13.109 12.987 12.860 12.726
0.13472 0.14233 0.15029 0.15863 0.16734
0.01019 0.01086 0.01157 0.01234 0.01315
45 46 47 48 49
50 51 52 53 54
12.587 12.442 12.291 12.133 11.969
0.17644 0.18593 0.19581 0.20611 0.21681
0.01402 0.01494 0.01593 0.01699 0.01811
50 51 52 53 54
55 56 57 58 59
11.799 11.623 11.440 11.251 11.056
0.22792 0.23945 0.25139 0.26375 0.27652
0.01932 0.02060 0.02197 0.02344 0.02501
55 56 57 58 59
194
Interest Rate:
7.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
10.854 10.646 10.433 10.213 9.988
0.28969 0.30326 0.31723 0.33156 0.34627
0.02669 0.02849 0.03041 0.03246 0.03467
60 61 62 63 64
65 66 67 68 69
9.758 9.522 9.282 9.037 8.788
0.36132 0.37670 0.39239 0.40836 0.42459
0.03703 0.03956 0.04228 0.04519 0.04831
65 66 67 68 69
70 71 72 73 74
8.536 8.281 8.023 7.763 7.501
0.44105 0.45771 0.47453 0.49148 0.50852
0.05167 0.05527 0.05915 0.06331 0.06779
70 71 72 73 74
75 76 77 78 79
7.239 6.976 6.713 6.452 6.191
0.52560 0.54270 0.55976 0.57673 0.59358
0.07261 0.07780 0.08338 0.08939 0.09587
75 76 77 78 79
80 81 82 83 84
5.934 5.679 5.427 5.179 4.936
0.61026 0.62671 0.64288 0.65873 0.67419
0.10285 0.11036 0.11846 0.12719 0.13658
80 81 82 83 84
85 86 87 88 89
4.698 4.466 4.239 4.019 3.805
0.68920 0.70370 0.71759 0.73079 0.74315
0.14669 0.15758 0.16928 0.18184 0.19532
85 86 87 88 89
90 91 92 93 94
3.597 3.396 3.200 3.008 2.818
0.75449 0.76454 0.77290 0.77891 0.78150
0.20974 0.22515 0.24155 0.25895 0.27729
90 91 92 93 94
95 96 97 98 99 100
2.627 2.427 2.204 1.935 1.568 1.000
0.77885 0.76772 0.74218 0.69088 0.59115 0.39562
0.29649 0.31639 0.33671 0.35708 0.37695 0.39562
95 96 97 98 99 100
195
Interest Rate:
8.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
13.068 13.053 13.038 13.023 13.007
0.03197 0.03309 0.03421 0.03533 0.03647
0.00245 0.00254 0.00262 0.00271 0.00280
20 21 22 23 24
25 26 27 28 29
12.991 12.974 12.955 12.934 12.910
0.03767 0.03896 0.04036 0.04192 0.04366
0.00290 0.00300 0.00312 0.00324 0.00338
25 26 27 28 29
30 31 32 33 34
12.884 12.854 12.822 12.785 12.745
0.04561 0.04780 0.05024 0.05295 0.05593
0.00354 0.00372 0.00392 0.00414 0.00439
30 31 32 33 34
35 36 37 38 39
12.701 12.653 12.602 12.546 12.487
0.05919 0.06272 0.06653 0.07061 0.07498
0.00466 0.00496 0.00528 0.00563 0.00600
35 36 37 38 39
40 41 42 43 44
12.424 12.357 12.285 12.209 12.128
0.07965 0.08463 0.08993 0.09559 0.10162
0.00641 0.00685 0.00732 0.00783 0.00838
40 41 42 43 44
45 46 47 48 49
12.040 11.949 11.853 11.752 11.645
0.10807 0.11484 0.12196 0.12946 0.13734
0.00898 0.00961 0.01029 0.01102 0.01179
45 46 47 48 49
50 51 52 53 54
11.533 11.416 11.293 11.165 11.031
0.14561 0.15429 0.16338 0.17289 0.18283
0.01263 0.01351 0.01447 0.01549 0.01658
50 51 52 53 54
55 56 57 58 59
10.890 10.744 10.592 10.433 10.269
0.19322 0.20404 0.21531 0.22704 0.23921
0.01774 0.01899 0.02033 0.02176 0.02330
55 56 57 58 59
196
Interest Rate:
8.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
10.098 9.922 9.739 9.550 9.356
0.25184 0.26491 0.27842 0.29237 0.30673
0.02494 0.02670 0.02859 0.03061 0.03278
60 61 62 63 64
65 66 67 68 69
9.156 8.951 8.741 8.526 8.306
0.32151 0.33669 0.35223 0.36814 0.38437
0.03511 0.03761 0.04030 0.04318 0.04627
65 66 67 68 69
70 71 72 73 74
8.083 7.855 7.624 7.391 7.155
0.40091 0.41771 0.43476 0.45201 0.46942
0.04960 0.05318 0.05702 0.06116 0.06561
70 71 72 73 74
75 76 77 78 79
6.917 6.678 6.438 6.199 5.959
0.48696 0.50458 0.52223 0.53987 0.55744
0.07040 0.07556 0.08111 0.08709 0.09354
75 76 77 78 79
80 81 82 83 84
5.721 5.485 5.251 5.020 4.793
0.57491 0.59220 0.60928 0.62607 0.64253
0.10048 0.10797 0.11603 0.12471 0.13407
80 81 82 83 84
85 86 87 88 89
4.569 4.350 4.136 3.927 3.724
0.65858 0.67415 0.68916 0.70350 0.71704
0.14414 0.15497 0.16662 0.17913 0.19254
85 86 87 88 89
90 91 92 93 94
3.526 3.334 3.146 2.962 2.780
0.72961 0.74092 0.75060 0.75801 0.76212
0.20691 0.22225 0.23858 0.25590 0.27417
90 91 92 93 94
95 96 97 98 99 100
2.595 2.402 2.186 1.923 1.563 1.000
0.76114 0.75192 0.72862 0.68003 0.58361 0.39196
0.29329 0.31310 0.33334 0.35363 0.37340 0.39196
95 96 97 98 99 100
197
Interest Rate:
9.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
11.804 11.794 11.785 11.775 11.765
0.02531 0.02615 0.02696 0.02776 0.02856
0.00214 0.00222 0.00229 0.00236 0.00243
20 21 22 23 24
25 26 27 28 29
11.755 11.744 11.732 11.718 11.703
0.02940 0.03030 0.03130 0.03243 0.03372
0.00250 0.00258 0.00267 0.00277 0.00288
25 26 27 28 29
30 31 32 33 34
11.685 11.664 11.641 11.615 11.586
0.03520 0.03689 0.03881 0.04097 0.04339
0.00301 0.00316 0.00333 0.00353 0.00374
30 31 32 33 34
35 36 37 38 39
11.553 11.518 11.479 11.438 11.393
0.04606 0.04898 0.05216 0.05560 0.05930
0.00399 0.00425 0.00454 0.00486 0.00521
35 36 37 38 39
40 41 42 43 44
11.344 11.293 11.237 11.177 11.113
0.06328 0.06756 0.07214 0.07707 0.08236
0.00558 0.00598 0.00642 0.00689 0.00741
40 41 42 43 44
45 46 47 48 49
11.044 10.972 10.895 10.813 10.727
0.08805 0.09405 0.10041 0.10712 0.11422
0.00797 0.00857 0.00922 0.00991 0.01065
45 46 47 48 49
50 51 52 53 54
10.637 10.541 10.440 10.334 10.223
0.12171 0.12960 0.13791 0.14666 0.15584
0.01144 0.01230 0.01321 0.01419 0.01524
50 51 52 53 54
55 56 57 58 59
10.106 9.984 9.856 9.722 9.583
0.16547 0.17557 0.18613 0.19717 0.20869
0.01637 0.01759 0.01889 0.02028 0.02178
55 56 57 58 59
198
Interest Rate:
9.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
9.437 9.286 9.129 8.966 8.797
0.22068 0.23316 0.24613 0.25956 0.27347
0.02338 0.02511 0.02696 0.02895 0.03109
60 61 62 63 64
65 66 67 68 69
8.623 8.443 8.258 8.068 7.874
0.28784 0.30265 0.31790 0.33357 0.34962
0.03338 0.03585 0.03849 0.04134 0.04440
65 66 67 68 69
70 71 72 73 74
7.674 7.471 7.264 7.053 6.839
0.36605 0.38281 0.39988 0.41723 0.43481
0.04770 0.05124 0.05505 0.05916 0.06357
70 71 72 73 74
75 76 77 78 79
6.623 6.405 6.186 5.966 5.745
0.45259 0.47051 0.48854 0.50663 0.52472
0.06833 0.07346 0.07898 0.08492 0.09133
75 76 77 78 79
80 81 82 83 84
5.525 5.305 5.087 4.872 4.658
0.54276 0.56070 0.57847 0.59602 0.61328
0.09824 0.10568 0.11371 0.12235 0.13166
80 81 82 83 84
85 86 87 88 89
4.448 4.241 4.039 3.841 3.647
0.63018 0.64665 0.66260 0.67792 0.69248
0.14168 0.15246 0.16405 0.17650 0.18986
85 86 87 88 89
90 91 92 93 94
3.459 3.275 3.095 2.918 2.743
0.70611 0.71855 0.72941 0.73808 0.74357
0.20415 0.21942 0.23568 0.25293 0.27111
90 91 92 93 94
95 96 97 98 99 100
2.565 2.377 2.168 1.912 1.558 1.000
0.74413 0.73668 0.71549 0.66948 0.57625 0.38836
0.29015 0.30988 0.33004 0.35024 0.36991 0.38836
95 96 97 98 99 100
199
Interest Rate:
10.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
20 21 22 23 24
10.771 10.764 10.757 10.751 10.745
0.02082 0.02145 0.02205 0.02262 0.02317
0.00193 0.00199 0.00205 0.00210 0.00216
20 21 22 23 24
25 26 27 28 29
10.739 10.732 10.724 10.715 10.705
0.02375 0.02437 0.02506 0.02587 0.02682
0.00221 0.00227 0.00234 0.00241 0.00250
25 26 27 28 29
30 31 32 33 34
10.693 10.678 10.662 10.643 10.621
0.02793 0.02923 0.03075 0.03248 0.03444
0.00261 0.00274 0.00288 0.00305 0.00324
30 31 32 33 34
35 36 37 38 39
10.597 10.570 10.541 10.509 10.474
0.03664 0.03907 0.04174 0.04464 0.04779
0.00346 0.00370 0.00396 0.00425 0.00456
35 36 37 38 39
40 41 42 43 44
10.437 10.396 10.353 10.305 10.254
0.05120 0.05488 0.05885 0.06314 0.06778
0.00491 0.00528 0.00568 0.00613 0.00661
40 41 42 43 44
45 46 47 48 49
10.199 10.140 10.078 10.012 9.942
0.07281 0.07814 0.08380 0.08981 0.09620
0.00714 0.00771 0.00831 0.00897 0.00968
45 46 47 48 49
50 51 52 53 54
9.867 9.788 9.705 9.617 9.524
0.10297 0.11014 0.11772 0.12573 0.13418
0.01044 0.01125 0.01213 0.01307 0.01409
50 51 52 53 54
55 56 57 58 59
9.425 9.322 9.214 9.100 8.981
0.14309 0.15247 0.16233 0.17267 0.18351
0.01518 0.01636 0.01762 0.01898 0.02043
55 56 57 58 59
200
Interest Rate:
10.0%
ASSURANCE FUNCTIONS INDIVIDUAL LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
60 61 62 63 64
8.856 8.725 8.589 8.448 8.300
0.19486 0.20671 0.21906 0.23193 0.24531
0.02200 0.02369 0.02550 0.02746 0.02955
60 61 62 63 64
65 66 67 68 69
8.148 7.990 7.826 7.657 7.484
0.25918 0.27354 0.28839 0.30370 0.31946
0.03181 0.03424 0.03685 0.03966 0.04269
65 66 67 68 69
70 71 72 73 74
7.306 7.123 6.936 6.745 6.551
0.33564 0.35222 0.36918 0.38647 0.40406
0.04594 0.04945 0.05323 0.05729 0.06167
70 71 72 73 74
75 76 77 78 79
6.354 6.155 5.954 5.751 5.547
0.42191 0.43998 0.45822 0.47658 0.49501
0.06640 0.07148 0.07697 0.08287 0.08924
75 76 77 78 79
80 81 82 83 84
5.342 5.138 4.935 4.732 4.532
0.51346 0.53186 0.55016 0.56830 0.58620
0.09611 0.10351 0.11149 0.12009 0.12935
80 81 82 83 84
85 86 87 88 89
4.334 4.139 3.947 3.759 3.575
0.60379 0.62100 0.63774 0.65390 0.66935
0.13932 0.15004 0.16158 0.17397 0.18726
85 86 87 88 89
90 91 92 93 94
3.394 3.218 3.046 2.876 2.707
0.68391 0.69733 0.70925 0.71906 0.72580
0.20148 0.21668 0.23286 0.25002 0.26813
90 91 92 93 94
95 96 97 98 99 100
2.535 2.354 2.150 1.900 1.553 1.000
0.72777 0.72198 0.70278 0.65923 0.56906 0.38483
0.28708 0.30673 0.32680 0.34691 0.36649 0.38483
95 96 97 98 99 100
201
202
PHASE II: MORTALITY EXPERIENCE OF GROUP ASSURED LIVES
203
MORTALITY FUNCTIONS GROUP LIVES - MALE lx
qx
20
100 000
0.00489
20
21 22 23 24 25
99 511 99 094 98 732 98 413 98 122
0.00419 0.00365 0.00324 0.00295 0.00278
21 22 23 24 25
26 27 28 29 30
97 850 97 586 97 322 97 050 96 766
0.00270 0.00271 0.00279 0.00293 0.00312
26 27 28 29 30
31 32 33 34 35
96 464 96 141 95 796 95 425 95 026
0.00334 0.00359 0.00387 0.00417 0.00449
31 32 33 34 35
36 37 38 39 40
94 599 94 143 93 657 93 140 92 594
0.00482 0.00517 0.00551 0.00586 0.00621
36 37 38 39 40
41 42 43 44 45
92 020 91 417 90 787 90 129 89 443
0.00655 0.00689 0.00724 0.00761 0.00801
41 42 43 44 45
46 47 48 49 50
88 727 87 978 87 194 86 371 85 506
0.00844 0.00891 0.00944 0.01002 0.01067
46 47 48 49 50
51 52 53 54 55
84 594 83 631 82 613 81 537 80 401
0.01139 0.01217 0.01302 0.01392 0.01487
51 52 53 54 55
56 57 58 59 60
79 206 77 950 76 635 75 263 73 837
0.01585 0.01687 0.01790 0.01895 0.02001
56 57 58 59 60
Age(x)
Age(x)
204
MORTALITY FUNCTIONS GROUP LIVES - FEMALE Age(x)
lx
qx
Age(x)
20
100 000
0.00146
20
21 22 23 24 25
99 854 99 702 99 542 99 373 99 193
0.00153 0.00160 0.00170 0.00181 0.00194
21 22 23 24 25
26 27 28 29 30
99 001 98 793 98 568 98 322 98 052
0.00210 0.00228 0.00250 0.00274 0.00301
26 27 28 29 30
31 32 33 34 35
97 757 97 434 97 081 96 696 96 276
0.00330 0.00362 0.00397 0.00434 0.00472
31 32 33 34 35
36 37 38 39 40
95 822 95 331 94 803 94 241 93 646
0.00512 0.00553 0.00593 0.00632 0.00668
36 37 38 39 40
41 42 43 44 45
93 020 92 367 91 691 90 998 90 289
0.00702 0.00731 0.00756 0.00778 0.00798
41 42 43 44 45
46 47 48 49 50
89 569 88 836 88 091 87 331 86 552
0.00818 0.00839 0.00863 0.00891 0.00926
46 47 48 49 50
51 52 53 54 55
85 751 84 921 84 058 83 159 82 221
0.00967 0.01016 0.01070 0.01128 0.01191
51 52 53 54 55
56 57 58 59 60
81 242 80 222 79 161 78 060 76 921
0.01256 0.01323 0.01391 0.01459 0.01527
56 57 58 59 60
205
Interest Rate: 0% MONETARY FUNCTIONS GROUP LIVES - MALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
100 000 99 511 99 094 98 732 98 413 98 122 97 850 97 586 97 322 97 050 96 766 96 464 96 141 95 796 95 425 95 026 94 599 94 143 93 657 93 140 92 594 92 020 91 417 90 787 90 129 89 443 88 727 87 978 87 194 86 371 85 506 84 594 83 631 82 613 81 537 80 401 79 206 77 950 76 635 75 263 73 837
3 712 670 3 612 670 3 513 159 3 414 066 3 315 333 3 216 920 3 118 798 3 020 948 2 923 362 2 826 040 2 728 990 2 632 225 2 535 761 2 439 619 2 343 824 2 248 399 2 153 372 2 058 773 1 964 630 1 870 973 1 777 833 1 685 239 1 593 219 1 501 802 1 411 015 1 320 886 1 231 442 1 142 716 1 054 738 967 544 881 173 795 667 711 073 627 442 544 830 463 293 382 892 303 686 225 736 149 100 73 837
74 495 694 70 783 024 67 170 353 63 657 194 60 243 128 56 927 795 53 710 875 50 592 077 47 571 129 44 647 767 41 821 727 39 092 736 36 460 511 33 924 750 31 485 131 29 141 307 26 892 908 24 739 536 22 680 763 20 716 133 18 845 160 17 067 327 15 382 088 13 788 869 12 287 067 10 876 052 9 555 167 8 323 724 7 181 009 6 126 271 5 158 727 4 277 554 3 481 887 2 770 814 2 143 372 1 598 543 1 135 250 752 358 448 673 222 937 73 837
489 417 361 320 290 272 264 264 272 284 302 322 346 371 398 427 456 486 516 546 575 603 630 658 686 716 749 784 823 865 912 963 1 018 1 076 1 135 1 196 1 256 1 315 1 372 1 427 1 478
27 641 27 152 26 735 26 373 26 054 25 763 25 491 25 227 24 962 24 691 24 406 24 105 23 782 23 437 23 066 22 667 22 240 21 784 21 297 20 781 20 235 19 660 19 058 18 428 17 770 17 084 16 368 15 619 14 835 14 012 13 147 12 235 11 272 10 253 9 177 8 042 6 847 5 591 4 276 2 904 1 478
745 941 718 301 691 149 664 414 638 041 611 987 586 224 560 733 535 507 510 544 485 854 461 447 437 343 413 561 390 124 367 058 344 391 322 151 300 367 279 070 258 289 238 054 218 393 199 336 180 908 163 138 146 054 129 686 114 068 99 233 85 221 72 074 59 840 48 568 38 315 29 137 21 095 14 249 8 658 4 382 1 478
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
206
Interest Rate: 1.0% MONETARY FUNCTIONS GROUP LIVES - MALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
81 954 80 746 79 612 78 536 77 507 76 513 75 545 74 595 73 656 72 724 71 793 70 860 69 924 68 983 68 035 67 080 66 118 65 147 64 169 63 184 62 191 61 193 60 191 59 184 58 174 57 159 56 140 55 115 54 083 53 042 51 991 50 927 49 849 48 754 47 643 46 514 45 369 44 208 43 032 41 843 40 643
2 533 927 2 451 972 2 371 226 2 291 615 2 213 079 2 135 572 2 059 059 1 983 514 1 908 919 1 835 263 1 762 539 1 690 747 1 619 887 1 549 962 1 480 980 1 412 944 1 345 864 1 279 746 1 214 598 1 150 429 1 087 246 1 025 054 963 861 903 670 844 486 786 313 729 154 673 014 617 899 563 816 510 774 458 783 407 856 358 007 309 253 261 610 215 095 169 726 125 518 82 486 40 643
47 426 105 44 892 178 42 440 205 40 068 979 37 777 365 35 564 286 33 428 714 31 369 655 29 386 140 27 477 221 25 641 958 23 879 419 22 188 672 20 568 786 19 018 823 17 537 844 16 124 899 14 779 036 13 499 290 12 284 691 11 134 262 10 047 017 9 021 962 8 058 101 7 154 431 6 309 945 5 523 632 4 794 479 4 121 465 3 503 566 2 939 750 2 428 977 1 970 194 1 562 338 1 204 331 895 079 633 469 418 374 248 648 123 130 40 643
397 335 287 252 226 210 202 200 203 211 222 234 249 265 281 298 316 333 350 367 382 397 411 424 439 453 469 486 505 526 549 574 601 629 657 685 712 738 763 785 805
17 430 17 034 16 698 16 411 16 159 15 933 15 722 15 520 15 320 15 117 14 906 14 684 14 450 14 201 13 936 13 655 13 357 13 041 12 708 12 357 11 991 11 608 11 212 10 801 10 377 9 938 9 485 9 016 8 529 8 024 7 498 6 949 6 375 5 774 5 145 4 488 3 804 3 092 2 353 1 591 805
447 495 430 065 413 031 396 333 379 922 363 763 347 830 332 108 316 587 301 267 286 150 271 244 256 560 242 110 227 909 213 972 200 317 186 960 173 919 161 212 148 854 136 864 125 255 114 043 103 242 92 866 82 928 73 443 64 427 55 898 47 874 40 376 33 427 27 052 21 278 16 133 11 644 7 841 4 749 2 396 805
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
207
Interest Rate: 2.0% MONETARY FUNCTIONS GROUP LIVES - MALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
67 297 65 655 64 098 62 612 61 185 59 809 58 473 57 172 55 899 54 650 53 421 52 211 51 016 49 836 48 669 47 516 46 375 45 246 44 130 43 026 41 935 40 858 39 794 38 745 37 710 36 689 35 682 34 687 33 704 32 731 31 768 30 813 29 865 28 923 27 986 27 055 26 130 25 212 24 301 23 398 22 504
1 758 785 1 691 488 1 625 833 1 561 735 1 499 123 1 437 938 1 378 129 1 319 656 1 262 484 1 206 585 1 151 935 1 098 514 1 046 303 995 287 945 451 896 782 849 266 802 891 757 645 713 515 670 489 628 554 587 697 547 902 509 157 471 447 434 758 399 076 364 389 330 686 297 954 266 187 235 374 205 509 176 587 148 600 121 545 95 415 70 203 45 902 22 504
30 629 284 28 870 499 27 179 012 25 553 179 23 991 444 22 492 320 21 054 382 19 676 253 18 356 597 17 094 113 15 887 527 14 735 592 13 637 079 12 590 775 11 595 488 10 650 037 9 753 255 8 903 988 8 101 097 7 343 452 6 629 936 5 959 447 5 330 892 4 743 196 4 195 293 3 686 136 3 214 689 2 779 931 2 380 854 2 016 465 1 685 780 1 387 825 1 121 639 886 265 680 755 504 169 355 568 234 023 138 609 68 406 22 504
323 270 229 199 177 163 155 152 153 157 163 171 180 189 199 209 219 229 239 247 255 262 269 275 281 288 295 303 312 321 332 344 356 369 382 394 406 417 427 435 442
11 190 10 867 10 597 10 368 10 169 9 992 9 830 9 675 9 523 9 370 9 213 9 050 8 879 8 699 8 510 8 310 8 101 7 882 7 653 7 414 7 167 6 912 6 649 6 380 6 105 5 824 5 536 5 241 4 937 4 626 4 304 3 972 3 628 3 272 2 902 2 520 2 126 1 720 1 303 876 442
271 734 260 544 249 677 239 080 228 712 218 542 208 550 198 720 189 045 179 522 170 152 160 939 151 889 143 010 134 311 125 802 117 491 109 390 101 508 93 856 86 442 79 275 72 363 65 714 59 333 53 228 47 404 41 868 36 628 31 690 27 065 22 760 18 788 15 160 11 889 8 986 6 466 4 340 2 621 1 318 442
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
208
Interest Rate: 3.0% MONETARY FUNCTIONS GROUP LIVES - MALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
55 368 53 492 51 716 50 027 48 413 46 864 45 373 43 932 42 537 41 183 39 866 38 584 37 335 36 118 34 930 33 771 32 640 31 536 30 460 29 409 28 385 27 388 26 416 25 470 24 549 23 652 22 779 21 929 21 101 20 293 19 505 18 734 17 982 17 245 16 525 15 820 15 131 14 458 13 800 13 158 12 533
1 240 405 1 185 037 1 131 545 1 079 829 1 029 802 981 389 934 526 889 153 845 221 802 684 761 501 721 635 683 051 645 715 609 598 574 668 540 897 508 257 476 721 446 262 416 852 388 467 361 079 334 663 309 194 284 645 260 993 238 213 216 284 195 183 174 890 155 386 136 651 118 670 101 424 84 899 69 079 53 948 39 490 25 690 12 533
20 066 133 18 825 728 17 640 690 16 509 145 15 429 316 14 399 514 13 418 124 12 483 599 11 594 446 10 749 225 9 946 541 9 185 039 8 463 404 7 780 354 7 134 638 6 525 040 5 950 372 5 409 475 4 901 217 4 424 496 3 978 234 3 561 382 3 172 916 2 811 836 2 477 173 2 167 979 1 883 334 1 622 342 1 384 128 1 167 844 972 661 797 771 642 385 505 733 387 064 285 639 200 740 131 661 77 713 38 223 12 533
263 218 183 157 139 126 119 116 115 117 121 125 130 136 142 147 153 158 163 167 171 174 177 179 181 184 187 190 193 197 202 207 213 218 223 228 233 237 240 242 243
7 315 7 052 6 835 6 652 6 494 6 356 6 229 6 110 5 995 5 880 5 762 5 642 5 517 5 386 5 250 5 109 4 962 4 809 4 650 4 487 4 320 4 149 3 975 3 798 3 619 3 438 3 254 3 067 2 877 2 684 2 487 2 285 2 078 1 865 1 647 1 424 1 195 962 725 486 243
167 069 159 754 152 701 145 867 139 215 132 721 126 365 120 136 114 025 108 031 102 151 96 388 90 747 85 230 79 844 74 593 69 485 64 523 59 714 55 064 50 576 46 256 42 107 38 133 34 334 30 715 27 278 24 024 20 957 18 080 15 396 12 909 10 625 8 547 6 682 5 035 3 612 2 417 1 455 729 243
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
209
Interest Rate: 4.0% MONETARY FUNCTIONS GROUP LIVES - MALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
45 639 43 669 41 813 40 058 38 393 36 807 35 293 33 844 32 455 31 119 29 835 28 598 27 406 26 257 25 149 24 081 23 051 22 057 21 099 20 176 19 286 18 429 17 605 16 811 16 047 15 313 14 606 13 925 13 270 12 640 12 032 11 446 10 880 10 334 9 807 9 299 8 808 8 335 7 879 7 441 7 019
888 014 842 375 798 706 756 893 716 835 678 442 641 634 606 341 572 496 540 042 508 923 479 088 450 490 423 084 396 827 371 678 347 597 324 546 302 488 281 389 261 213 241 926 223 497 205 892 189 081 173 034 157 722 143 116 129 191 115 920 103 281 91 249 79 803 68 923 58 589 48 781 39 483 30 674 22 339 14 460 7 019
13 333 081 12 445 067 11 602 692 10 803 986 10 047 093 9 330 259 8 651 817 8 010 183 7 403 842 6 831 346 6 291 304 5 782 381 5 303 293 4 852 803 4 429 719 4 032 891 3 661 213 3 313 617 2 989 071 2 686 582 2 405 193 2 143 981 1 902 054 1 678 557 1 472 665 1 283 584 1 110 549 952 828 809 712 680 521 564 601 461 320 370 071 290 268 221 345 162 756 113 975 74 492 43 818 21 479 7 019
215 176 147 125 109 98 92 88 87 88 89 92 95 98 101 104 107 110 112 114 115 116 117 117 117 118 119 119 120 122 123 125 127 129 131 133 134 135 136 136 135
4 870 4 656 4 480 4 333 4 208 4 100 4 001 3 910 3 822 3 734 3 647 3 557 3 465 3 371 3 273 3 172 3 068 2 961 2 851 2 740 2 626 2 511 2 395 2 278 2 161 2 043 1 925 1 807 1 688 1 567 1 445 1 322 1 197 1 069 940 809 676 541 406 271 135
104 031 99 161 94 505 90 025 85 692 81 484 77 384 73 383 69 473 65 652 61 917 58 270 54 713 51 248 47 877 44 604 41 432 38 364 35 403 32 552 29 813 27 187 24 676 22 281 20 003 17 843 15 799 13 874 12 067 10 379 8 812 7 366 6 044 4 847 3 778 2 838 2 029 1 354 812 406 135
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
210
Interest Rate: 5.0% MONETARY FUNCTIONS GROUP LIVES - MALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
37 689 35 719 33 875 32 144 30 515 28 976 27 519 26 138 24 826 23 578 22 389 21 257 20 177 19 147 18 165 17 227 16 333 15 480 14 667 13 892 13 153 12 449 11 778 11 140 10 533 9 955 9 405 8 881 8 383 7 908 7 456 7 026 6 615 6 223 5 850 5 494 5 154 4 831 4 523 4 231 3 953
644 653 606 964 571 246 537 370 505 226 474 711 445 735 418 216 392 078 367 252 343 674 321 284 300 028 279 851 260 704 242 539 225 312 208 979 193 498 178 831 164 939 151 787 139 338 127 560 116 420 105 887 95 933 86 528 77 647 69 264 61 355 53 899 46 873 40 258 34 035 28 185 22 692 17 538 12 707 8 184 3 953
8 983 135 8 338 481 7 731 517 7 160 271 6 622 901 6 117 675 5 642 964 5 197 228 4 779 012 4 386 934 4 019 682 3 676 009 3 354 724 3 054 696 2 774 846 2 514 142 2 271 602 2 046 290 1 837 312 1 643 813 1 464 982 1 300 043 1 148 256 1 008 918 881 358 764 938 659 050 563 117 476 589 398 943 329 679 268 324 214 425 167 552 127 294 93 258 65 073 42 381 24 843 12 137 3 953
175 143 118 99 86 77 71 67 66 66 66 68 69 71 72 74 75 76 77 78 78 78 77 77 76 76 76 75 75 75 76 76 77 77 78 78 78 78 77 76 75
3 302 3 126 2 984 2 866 2 767 2 681 2 605 2 534 2 466 2 400 2 335 2 268 2 200 2 131 2 061 1 989 1 915 1 840 1 764 1 687 1 609 1 531 1 454 1 376 1 300 1 223 1 147 1 072 996 921 845 770 694 617 540 462 384 306 229 152 75
65 623 62 321 59 195 56 211 53 345 50 578 47 897 45 292 42 758 40 292 37 891 35 557 33 289 31 088 28 957 26 896 24 907 22 993 21 153 19 389 17 703 16 093 14 562 13 109 11 732 10 433 9 210 8 062 6 991 5 995 5 074 4 228 3 459 2 765 2 148 1 609 1 147 762 456 227 75
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
211
Interest Rate: 6.0% MONETARY FUNCTIONS GROUP LIVES - MALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
31 180 29 272 27 499 25 848 24 306 22 862 21 508 20 236 19 039 17 911 16 848 15 845 14 898 14 004 13 160 12 363 11 611 10 901 10 231 9 599 9 002 8 440 7 910 7 411 6 941 6 498 6 081 5 689 5 319 4 970 4 642 4 333 4 041 3 766 3 506 3 262 3 031 2 814 2 610 2 418 2 238
474 044 442 864 413 592 386 093 360 245 335 939 313 077 291 568 271 332 252 293 234 382 217 534 201 689 186 792 172 788 159 627 147 264 135 653 124 752 114 521 104 922 95 920 87 480 79 570 72 159 65 218 58 720 52 639 46 950 41 632 36 661 32 019 27 687 23 646 19 881 16 374 13 113 10 081 7 267 4 657 2 238
6 134 884 5 660 840 5 217 976 4 804 384 4 418 291 4 058 046 3 722 107 3 409 030 3 117 462 2 846 129 2 593 836 2 359 454 2 141 920 1 940 231 1 753 439 1 580 652 1 421 024 1 273 760 1 138 107 1 013 356 898 835 793 913 697 993 610 513 530 944 458 785 393 567 334 847 282 208 235 257 193 625 156 964 124 945 97 258 73 611 53 731 37 356 24 244 14 162 6 895 2 238
144 116 95 79 68 60 55 52 50 50 50 50 51 51 52 52 53 53 53 53 53 52 51 51 50 49 48 48 47 47 47 47 46 46 46 46 45 45 44 43 42
2 278 2 135 2 019 1 924 1 845 1 778 1 718 1 663 1 611 1 561 1 512 1 462 1 412 1 362 1 310 1 259 1 206 1 153 1 100 1 047 994 941 889 838 787 737 688 640 592 544 497 451 404 358 312 265 220 174 130 86 42
41 943 39 664 37 530 35 511 33 587 31 741 29 964 28 246 26 583 24 972 23 411 21 899 20 437 19 025 17 664 16 353 15 095 13 888 12 735 11 635 10 588 9 594 8 653 7 764 6 926 6 139 5 402 4 714 4 075 3 483 2 939 2 441 1 990 1 586 1 228 917 651 432 257 128 42
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
212
Interest Rate: 7.0% MONETARY FUNCTIONS GROUP LIVES - MALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
25 842 24 033 22 367 20 827 19 402 18 079 16 849 15 705 14 637 13 642 12 712 11 843 11 031 10 273 9 563 8 900 8 281 7 702 7 161 6 655 6 183 5 743 5 332 4 949 4 592 4 259 3 948 3 659 3 389 3 137 2 903 2 684 2 480 2 289 2 112 1 946 1 792 1 648 1 514 1 390 1 274
352 727 326 885 302 852 280 485 259 658 240 256 222 177 205 328 189 623 174 986 161 344 148 632 136 789 125 758 115 485 105 922 97 021 88 741 81 039 73 878 67 223 61 039 55 296 49 964 45 015 40 423 36 165 32 216 28 558 25 169 22 031 19 129 16 445 13 965 11 676 9 564 7 618 5 826 4 178 2 664 1 274
4 245 024 3 892 297 3 565 412 3 262 560 2 982 075 2 722 417 2 482 161 2 259 984 2 054 656 1 865 033 1 690 047 1 528 702 1 380 070 1 243 281 1 117 523 1 002 038 896 116 799 094 710 354 629 315 555 437 488 214 427 174 371 878 321 914 276 899 236 476 200 311 168 095 139 537 114 369 92 338 73 209 56 764 42 800 31 124 21 560 13 942 8 116 3 938 1 274
118 94 76 63 54 47 43 40 38 37 37 37 37 37 37 37 37 37 37 36 36 35 34 34 33 32 31 30 30 29 29 29 28 28 27 27 27 26 25 25 24
1 599 1 481 1 387 1 311 1 248 1 194 1 147 1 105 1 065 1 027 990 953 916 878 841 804 767 729 692 655 619 583 548 513 480 447 415 384 354 324 294 265 237 209 181 153 126 100 74 48 24
27 167 25 568 24 086 22 699 21 389 20 141 18 947 17 799 16 694 15 629 14 602 13 613 12 660 11 745 10 866 10 025 9 221 8 455 7 725 7 033 6 378 5 759 5 177 4 629 4 116 3 636 3 189 2 773 2 389 2 036 1 712 1 417 1 152 915 706 525 372 246 146 72 24
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
213
Interest Rate: 8.0% MONETARY FUNCTIONS GROUP LIVES - MALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
21 455 19 768 18 227 16 816 15 520 14 328 13 229 12 216 11 281 10 416 9 616 8 876 8 191 7 557 6 970 6 427 5 924 5 459 5 028 4 630 4 262 3 922 3 608 3 317 3 049 2 802 2 574 2 363 2 168 1 989 1 823 1 670 1 529 1 398 1 278 1 167 1 064 970 883 803 729
265 305 243 850 224 082 205 854 189 039 173 519 159 192 145 962 133 746 122 465 112 049 102 432 93 556 85 365 77 808 70 837 64 410 58 486 53 027 47 998 43 368 39 106 35 184 31 576 28 259 25 209 22 407 19 834 17 471 15 302 13 313 11 490 9 820 8 291 6 893 5 615 4 449 3 384 2 415 1 532 729
2 974 631 2 709 326 2 465 475 2 241 393 2 035 539 1 846 500 1 672 981 1 513 789 1 367 827 1 234 082 1 111 617 999 568 897 136 803 580 718 215 640 408 569 571 505 160 446 675 393 648 345 649 302 281 263 175 227 991 196 415 168 156 142 947 120 539 100 706 83 235 67 933 54 620 43 129 33 309 25 018 18 124 12 509 8 060 4 676 2 261 729
97 77 62 50 42 37 33 31 29 28 28 27 27 27 27 27 26 26 26 25 24 24 23 22 21 21 20 19 19 18 18 18 17 17 16 16 16 15 15 14 14
1 141 1 044 967 905 855 813 776 743 712 683 655 627 600 572 545 518 491 465 439 413 388 364 340 317 295 273 252 232 213 194 175 157 140 122 106 89 73 57 42 28 14
17 833 16 692 15 649 14 682 13 776 12 921 12 108 11 333 10 590 9 878 9 195 8 540 7 913 7 313 6 741 6 196 5 678 5 186 4 721 4 283 3 869 3 481 3 118 2 778 2 461 2 167 1 894 1 641 1 409 1 197 1 003 828 670 531 408 303 214 141 83 41 14
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
214
Interest Rate: 9.0% MONETARY FUNCTIONS GROUP LIVES - MALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
17 843 16 290 14 882 13 603 12 440 11 379 10 411 9 525 8 715 7 973 7 293 6 670 6 099 5 575 5 095 4 655 4 251 3 882 3 543 3 232 2 948 2 688 2 450 2 232 2 033 1 851 1 684 1 532 1 393 1 266 1 150 1 044 947 858 777 703 635 573 517 466 419
201 523 183 680 167 390 152 508 138 905 126 465 115 086 104 675 95 150 86 435 78 462 71 169 64 499 58 400 52 824 47 729 43 074 38 823 34 941 31 398 28 166 25 218 22 530 20 081 17 849 15 816 13 965 12 281 10 748 9 355 8 089 6 939 5 895 4 949 4 091 3 314 2 611 1 976 1 403 885 419
2 109 719 1 908 196 1 724 515 1 557 125 1 404 617 1 265 712 1 139 247 1 024 161 919 486 824 335 737 900 659 438 588 269 523 770 465 371 412 547 364 818 321 744 282 921 247 980 216 582 188 416 163 198 140 667 120 587 102 738 86 922 72 957 60 677 49 928 40 573 32 484 25 545 19 649 14 700 10 609 7 295 4 684 2 708 1 305 419
80 63 50 40 34 29 26 24 22 21 21 20 20 20 20 19 19 18 18 17 17 16 15 15 14 14 13 13 12 12 11 11 11 10 10 10 9 9 8 8 8
826 746 684 634 594 560 531 505 481 459 438 417 396 376 356 337 318 299 281 263 245 228 212 197 182 168 154 141 129 117 105 94 83 72 62 52 42 33 24 16 8
11 864 11 038 10 292 9 608 8 974 8 380 7 821 7 290 6 785 6 303 5 844 5 406 4 989 4 593 4 217 3 860 3 523 3 206 2 907 2 626 2 364 2 118 1 890 1 678 1 481 1 299 1 131 977 836 707 591 486 392 309 237 175 123 81 48 24 8
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
215
Interest Rate: 10.0% MONETARY FUNCTIONS GROUP LIVES - MALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
14 864 13 447 12 173 11 026 9 991 9 056 8 210 7 444 6 749 6 118 5 545 5 026 4 553 4 125 3 735 3 381 3 060 2 769 2 504 2 264 2 046 1 848 1 669 1 507 1 360 1 227 1 107 998 899 809 728 655 589 529 474 425 381 341 305 272 243
154 453 139 588 126 141 113 968 102 942 92 950 83 894 75 684 68 240 61 492 55 374 49 828 44 802 40 249 36 124 32 389 29 008 25 947 23 179 20 675 18 411 16 365 14 517 12 848 11 341 9 981 8 753 7 647 6 649 5 751 4 941 4 213 3 558 2 969 2 440 1 966 1 541 1 160 819 514 243
1 513 552 1 359 099 1 219 511 1 093 370 979 402 876 461 783 510 699 616 623 933 555 693 494 201 438 827 388 999 344 197 303 948 267 824 235 435 206 427 180 479 157 301 136 626 118 214 101 849 87 332 74 484 63 144 53 163 44 410 36 763 30 114 24 363 19 422 15 209 11 651 8 682 6 242 4 276 2 736 1 576 757 243
66 51 40 32 27 23 20 18 17 16 16 15 15 15 14 14 13 13 13 12 12 11 10 10 9 9 8 8 8 7 7 7 7 6 6 6 5 5 5 5 4
607 541 490 449 417 390 367 347 329 312 295 280 265 250 235 221 207 194 181 168 156 145 134 123 113 104 95 86 78 71 63 56 49 43 37 31 25 19 14 9 4
7 999 7 392 6 851 6 361 5 911 5 494 5 104 4 737 4 390 4 061 3 749 3 453 3 174 2 909 2 659 2 424 2 203 1 996 1 803 1 622 1 454 1 298 1 153 1 020 897 783 680 585 499 420 350 287 231 181 139 102 72 47 28 14 4
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
216
Interest Rate: 0.0% MONETARY FUNCTIONS GROUP LIVES - FEMALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
100 000 99 854 99 702 99 542 99 373 99 193 99 001 98 793 98 568 98 322 98 052 97 757 97 434 97 081 96 696 96 276 95 822 95 331 94 803 94 241 93 646 93 020 92 367 91 691 90 998 90 289 89 569 88 836 88 091 87 331 86 552 85 751 84 921 84 058 83 159 82 221 81 242 80 222 79 161 78 060 76 921
3 763 945 3 663 945 3 564 091 3 464 390 3 364 848 3 265 475 3 166 282 3 067 281 2 968 487 2 869 920 2 771 598 2 673 546 2 575 789 2 478 355 2 381 274 2 284 578 2 188 302 2 092 480 1 997 150 1 902 346 1 808 105 1 714 459 1 621 440 1 529 073 1 437 382 1 346 384 1 256 095 1 166 526 1 077 690 989 599 902 269 815 717 729 966 645 045 560 987 477 827 395 606 314 364 234 142 154 981 76 921
75 758 661 71 994 716 68 330 771 64 766 679 61 302 289 57 937 441 54 671 966 51 505 684 48 438 403 45 469 915 42 599 996 39 828 398 37 154 852 34 579 064 32 100 709 29 719 435 27 434 857 25 246 555 23 154 075 21 156 925 19 254 579 17 446 473 15 732 014 14 110 574 12 581 501 11 144 119 9 797 735 8 541 640 7 375 113 6 297 423 5 307 824 4 405 555 3 589 838 2 859 872 2 214 827 1 653 840 1 176 013 780 407 466 043 231 902 76 921
146 152 160 169 179 192 208 226 246 269 295 323 353 385 419 455 491 527 562 595 626 653 676 694 708 721 733 745 760 779 801 830 863 899 938 979 1 020 1 061 1 101 1 139 1 175
24 254 24 108 23 956 23 796 23 627 23 447 23 255 23 047 22 822 22 576 22 306 22 011 21 688 21 335 20 950 20 530 20 076 19 585 19 057 18 495 17 900 17 274 16 621 15 945 15 251 14 543 13 823 13 090 12 345 11 585 10 806 10 005 9 175 8 312 7 413 6 475 5 496 4 476 3 415 2 314 1 175
658 358 634 104 609 996 586 040 562 245 538 618 515 171 491 916 468 868 446 046 423 471 401 164 379 153 357 465 336 131 315 181 294 651 274 575 254 991 235 933 217 438 199 539 182 265 165 644 149 699 134 448 119 904 106 082 92 992 80 647 69 062 58 256 48 252 39 077 30 764 23 351 16 876 11 380 6 903 3 489 1 175
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
217
Interest Rate: 1.0% MONETARY FUNCTIONS GROUP LIVES - FEMALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
81 954 81 025 80 100 79 180 78 263 77 348 76 434 75 518 74 600 73 677 72 747 71 810 70 864 69 908 68 941 67 963 66 972 65 969 64 955 63 930 62 897 61 858 60 816 59 773 58 734 57 700 56 673 55 653 54 639 53 631 52 627 51 623 50 618 49 608 48 591 47 567 46 536 45 496 44 450 43 398 42 341
2 567 387 2 485 433 2 404 408 2 324 308 2 245 129 2 166 866 2 089 518 2 013 085 1 937 566 1 862 967 1 789 290 1 716 543 1 644 733 1 573 869 1 503 961 1 435 019 1 367 056 1 300 084 1 234 115 1 169 160 1 105 230 1 042 332 980 474 919 658 859 885 801 151 743 451 686 778 631 126 576 486 522 855 470 228 418 605 367 987 318 379 269 788 222 221 175 685 130 189 85 739 42 341
48 201 082 45 633 695 43 148 262 40 743 854 38 419 546 36 174 417 34 007 551 31 918 033 29 904 948 27 967 382 26 104 415 24 315 125 22 598 582 20 953 849 19 379 980 17 876 020 16 441 001 15 073 944 13 773 860 12 539 745 11 370 585 10 265 355 9 223 023 8 242 549 7 322 891 6 463 006 5 661 856 4 918 405 4 231 627 3 600 501 3 024 015 2 501 160 2 030 932 1 612 327 1 244 341 925 962 656 174 433 953 258 268 128 080 42 341
118 122 127 133 140 148 159 171 185 200 217 235 254 275 296 318 340 361 381 400 416 430 440 448 453 456 459 462 467 473 482 495 509 525 543 561 579 596 612 627 640
15 253 15 135 15 012 14 885 14 752 14 612 14 464 14 305 14 134 13 950 13 750 13 533 13 298 13 044 12 769 12 473 12 155 11 816 11 454 11 073 10 673 10 257 9 827 9 386 8 939 8 486 8 030 7 571 7 109 6 642 6 169 5 686 5 192 4 683 4 157 3 615 3 054 2 475 1 879 1 267 640
397 605 382 351 367 217 352 204 337 319 322 567 307 955 293 491 279 186 265 052 251 102 237 352 223 819 210 521 197 477 184 708 172 235 160 080 148 264 136 810 125 737 115 064 104 807 94 980 85 594 76 655 68 169 60 139 52 568 45 459 38 817 32 648 26 962 21 771 17 088 12 931 9 316 6 262 3 787 1 908 640
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
218
Interest Rate: 2.0% MONETARY FUNCTIONS GROUP LIVES - FEMALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
67 297 65 881 64 491 63 125 61 782 60 461 59 161 57 879 56 615 55 366 54 132 52 911 51 702 50 504 49 317 48 141 46 974 45 817 44 670 43 535 42 411 41 302 40 208 39 131 38 073 37 036 36 020 35 025 34 050 33 095 32 156 31 234 30 325 29 429 28 543 27 668 26 802 25 947 25 102 24 267 23 444
1 781 031 1 713 734 1 647 853 1 583 362 1 520 237 1 458 455 1 397 993 1 338 832 1 280 953 1 224 338 1 168 972 1 114 840 1 061 929 1 010 228 959 723 910 406 862 265 815 291 769 474 724 804 681 270 638 858 597 557 557 349 518 218 480 145 443 108 407 088 372 063 338 012 304 918 272 761 241 527 211 202 181 773 153 230 125 562 98 760 72 813 47 711 23 444
31 112 088 29 331 057 27 617 323 25 969 471 24 386 109 22 865 872 21 407 418 20 009 424 18 670 592 17 389 639 16 165 301 14 996 329 13 881 489 12 819 560 11 809 332 10 849 609 9 939 203 9 076 937 8 261 646 7 492 172 6 767 368 6 086 098 5 447 240 4 849 683 4 292 334 3 774 116 3 293 971 2 850 863 2 443 775 2 071 712 1 733 700 1 428 782 1 156 021 914 494 703 292 521 519 368 290 242 728 143 968 71 155 23 444
96 99 101 105 109 115 122 130 139 149 160 171 184 196 210 223 236 248 260 270 278 284 288 290 290 290 289 288 288 289 292 296 302 309 316 323 330 337 342 347 351
9 742 9 645 9 547 9 445 9 340 9 231 9 116 8 994 8 865 8 726 8 577 8 418 8 246 8 062 7 866 7 656 7 433 7 197 6 949 6 689 6 420 6 142 5 857 5 569 5 279 4 988 4 699 4 410 4 122 3 834 3 544 3 252 2 956 2 654 2 346 2 030 1 707 1 377 1 040 698 351
243 021 233 280 223 635 214 088 204 643 195 302 186 072 176 956 167 961 159 096 150 370 141 793 133 375 125 129 117 067 109 201 101 544 94 111 86 913 79 964 73 275 66 856 60 714 54 856 49 287 44 008 39 020 34 321 29 912 25 790 21 956 18 412 15 160 12 203 9 549 7 204 5 174 3 467 2 090 1 049 351
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
219
Interest Rate: 3.0% MONETARY FUNCTIONS GROUP LIVES - FEMALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
55 368 53 676 52 033 50 437 48 885 47 375 45 906 44 476 43 082 41 722 40 396 39 102 37 837 36 602 35 395 34 215 33 062 31 934 30 833 29 757 28 708 27 685 26 690 25 723 24 785 23 876 22 996 22 143 21 318 20 518 19 743 18 991 18 259 17 547 16 854 16 178 15 520 14 879 14 254 13 647 13 056
1 255 464 1 200 097 1 146 420 1 094 387 1 043 950 995 065 947 690 901 784 857 308 814 226 772 504 732 107 693 006 655 169 618 567 583 172 548 957 515 895 483 961 453 129 423 372 394 664 366 979 340 288 314 565 289 780 265 904 242 908 220 765 199 447 178 929 159 186 140 195 121 936 104 389 87 535 71 356 55 836 40 957 26 703 13 056
20 371 608 19 116 144 17 916 047 16 769 626 15 675 239 14 631 289 13 636 224 12 688 534 11 786 751 10 929 443 10 115 216 9 342 713 8 610 605 7 917 599 7 262 431 6 643 864 6 060 692 5 511 735 4 995 840 4 511 879 4 058 751 3 635 379 3 240 715 2 873 737 2 533 448 2 218 883 1 929 103 1 663 200 1 420 291 1 199 526 1 000 079 821 150 661 964 521 769 399 833 295 444 207 909 136 552 80 716 39 759 13 056
78 80 81 83 86 89 93 99 104 111 118 125 133 141 149 157 164 171 178 183 186 189 190 189 187 185 183 180 179 178 177 178 180 182 185 187 189 191 192 193 194
6 319 6 240 6 160 6 079 5 996 5 911 5 821 5 728 5 629 5 525 5 414 5 296 5 170 5 037 4 896 4 747 4 590 4 426 4 254 4 077 3 894 3 708 3 519 3 330 3 141 2 954 2 769 2 586 2 406 2 227 2 049 1 872 1 694 1 514 1 331 1 147 960 771 579 387 194
150 349 144 030 137 790 131 630 125 550 119 554 113 643 107 822 102 094 96 464 90 939 85 525 80 229 75 059 70 022 65 125 60 378 55 788 51 362 47 107 43 030 39 136 35 428 31 909 28 579 25 438 22 484 19 716 17 130 14 724 12 497 10 447 8 575 6 882 5 368 4 037 2 890 1 930 1 160 581 194
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
220
Interest Rate: 4.0% MONETARY FUNCTIONS GROUP LIVES - FEMALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
45 639 43 819 42 070 40 387 38 767 37 209 35 709 34 263 32 870 31 527 30 231 28 981 27 774 26 609 25 484 24 398 23 349 22 336 21 358 20 415 19 505 18 630 17 788 16 978 16 202 15 457 14 744 14 061 13 407 12 780 12 179 11 602 11 048 10 515 10 003 9 509 9 035 8 578 8 139 7 717 7 312
898 385 852 746 808 927 766 857 726 471 687 703 650 494 614 785 580 522 547 652 516 125 485 894 456 913 429 138 402 529 377 045 352 647 329 298 306 962 285 605 265 190 245 685 227 055 209 267 192 289 176 087 160 630 145 886 131 824 118 417 105 637 93 458 81 856 70 808 60 293 50 291 40 781 31 747 23 168 15 029 7 312
13 529 410 12 631 025 11 778 279 10 969 352 10 202 495 9 476 025 8 788 321 8 137 827 7 523 042 6 942 520 6 394 868 5 878 743 5 392 849 4 935 936 4 506 798 4 104 269 3 727 224 3 374 578 3 045 280 2 738 317 2 452 713 2 187 523 1 941 838 1 714 783 1 505 516 1 313 227 1 137 140 976 510 830 624 698 800 580 382 474 745 381 286 299 430 228 622 168 329 118 038 77 257 45 510 22 341 7 312
64 64 65 66 67 69 72 75 79 83 87 92 97 102 106 111 115 119 122 124 125 126 125 123 121 119 116 113 111 110 108 108 108 108 109 109 109 109 109 108 107
4 162 4 098 4 034 3 969 3 903 3 835 3 766 3 694 3 619 3 540 3 457 3 369 3 277 3 180 3 079 2 973 2 862 2 747 2 628 2 506 2 382 2 257 2 131 2 006 1 883 1 761 1 643 1 527 1 413 1 302 1 192 1 084 976 868 760 652 543 434 325 216 107
94 159 89 997 85 899 81 866 77 897 73 994 70 159 66 393 62 699 59 080 55 540 52 083 48 714 45 436 42 256 39 177 36 204 33 342 30 596 27 967 25 461 23 079 20 822 18 691 16 685 14 802 13 041 11 398 9 872 8 458 7 156 5 964 4 880 3 904 3 036 2 275 1 624 1 081 648 323 107
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
221
Interest Rate: 5.0% MONETARY FUNCTIONS GROUP LIVES - FEMALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
37 689 35 842 34 083 32 408 30 812 29 292 27 843 26 462 25 144 23 887 22 687 21 542 20 448 19 404 18 406 17 454 16 544 15 676 14 847 14 056 13 302 12 584 11 900 11 251 10 634 10 049 9 494 8 968 8 469 7 996 7 548 7 122 6 717 6 332 5 966 5 618 5 287 4 972 4 672 4 388 4 118
651 912 614 223 578 381 544 298 511 891 481 078 451 786 423 943 397 481 372 337 348 450 325 763 304 222 283 774 264 370 245 963 228 509 211 965 196 289 181 443 167 387 154 085 141 501 129 600 118 349 107 715 97 666 88 172 79 205 70 735 62 739 55 191 48 070 41 353 35 021 29 054 23 437 18 150 13 178 8 506 4 118
9 111 311 8 459 399 7 845 176 7 266 795 6 722 496 6 210 606 5 729 527 5 277 741 4 853 798 4 456 317 4 083 980 3 735 529 3 409 766 3 105 545 2 821 771 2 557 401 2 311 438 2 082 929 1 870 964 1 674 675 1 493 232 1 325 845 1 171 761 1 030 260 900 660 782 310 674 595 576 928 488 756 409 551 338 816 276 077 220 886 172 816 131 464 96 443 67 389 43 952 25 802 12 624 4 118
52 52 52 52 53 54 56 58 60 62 65 68 71 73 76 79 81 83 84 85 85 84 83 81 79 76 74 72 70 68 67 66 65 65 64 64 63 63 62 61 60
2 784 2 731 2 679 2 627 2 575 2 522 2 467 2 412 2 354 2 295 2 232 2 167 2 099 2 029 1 955 1 879 1 801 1 720 1 638 1 554 1 469 1 384 1 300 1 217 1 136 1 058 981 907 836 766 698 632 566 501 436 372 309 245 183 121 60
59 698 56 915 54 183 51 504 48 877 46 303 43 781 41 314 38 902 36 548 34 253 32 021 29 854 27 754 25 726 23 770 21 891 20 090 18 370 16 732 15 178 13 709 12 325 11 024 9 807 8 670 7 613 6 632 5 724 4 889 4 123 3 425 2 793 2 227 1 726 1 290 918 609 364 181 60
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
222
Interest Rate: 6.0% MONETARY FUNCTIONS GROUP LIVES - FEMALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
31 180 29 373 27 668 26 060 24 543 23 112 21 761 20 487 19 283 18 146 17 072 16 057 15 098 14 192 13 335 12 526 11 761 11 039 10 356 9 712 9 104 8 532 7 992 7 485 7 008 6 560 6 139 5 744 5 373 5 025 4 699 4 392 4 103 3 832 3 576 3 336 3 109 2 896 2 696 2 508 2 332
479 201 448 021 418 648 390 981 364 921 340 378 317 266 295 505 275 018 255 735 237 589 220 517 204 460 189 362 175 170 161 835 149 309 137 548 126 509 116 153 106 441 97 336 88 805 80 812 73 328 66 320 59 760 53 622 47 878 42 504 37 479 32 780 28 388 24 285 20 454 16 878 13 542 10 433 7 536 4 840 2 332
6 219 877 5 740 676 5 292 655 4 874 007 4 483 026 4 118 105 3 777 727 3 460 461 3 164 956 2 889 938 2 634 203 2 396 614 2 176 097 1 971 636 1 782 274 1 607 104 1 445 269 1 295 960 1 158 413 1 031 904 915 751 809 311 711 974 623 170 542 357 469 030 402 710 342 950 289 328 241 450 198 946 161 468 128 688 100 299 76 014 55 561 38 683 25 141 14 708 7 172 2 332
43 42 42 42 42 42 43 44 45 47 48 50 52 53 55 56 57 58 58 58 57 56 55 53 51 49 47 45 44 42 41 40 39 39 38 37 37 36 35 35 34
1 890 1 847 1 804 1 763 1 721 1 679 1 637 1 594 1 550 1 504 1 457 1 409 1 359 1 307 1 254 1 199 1 144 1 087 1 029 971 913 856 799 744 691 639 590 543 497 453 411 370 330 291 252 214 176 140 104 68 34
38 318 36 428 34 582 32 777 31 015 29 294 27 615 25 978 24 384 22 835 21 331 19 873 18 465 17 106 15 799 14 545 13 346 12 202 11 115 10 086 9 115 8 202 7 346 6 547 5 802 5 112 4 472 3 882 3 340 2 843 2 389 1 978 1 608 1 278 987 735 521 345 205 102 34
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
223
Interest Rate: 7.0% MONETARY FUNCTIONS GROUP LIVES - FEMALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
25 842 24 116 22 504 20 998 19 591 18 276 17 048 15 899 14 825 13 820 12 881 12 002 11 180 10 410 9 691 9 018 8 388 7 799 7 248 6 734 6 254 5 806 5 388 4 998 4 636 4 299 3 986 3 694 3 424 3 172 2 938 2 721 2 518 2 329 2 154 1 990 1 838 1 696 1 564 1 441 1 327
356 442 330 600 306 484 283 980 262 982 243 391 225 115 208 067 192 168 177 344 163 523 150 642 138 640 127 461 117 050 107 360 98 342 89 954 82 155 74 907 68 173 61 919 56 114 50 726 45 728 41 092 36 793 32 807 29 113 25 689 22 517 19 578 16 858 14 340 12 010 9 857 7 867 6 029 4 333 2 769 1 327
4 302 248 3 945 806 3 615 206 3 308 722 3 024 742 2 761 759 2 518 368 2 293 253 2 085 186 1 893 018 1 715 674 1 552 151 1 401 508 1 262 868 1 135 407 1 018 357 910 997 812 655 722 701 640 546 565 639 497 466 435 546 379 432 328 706 282 978 241 887 205 094 172 286 143 174 117 485 94 968 75 390 58 532 44 192 32 181 22 325 14 458 8 429 4 096 1 327
35 34 34 33 33 33 33 34 35 35 36 37 38 39 39 40 40 40 40 40 39 38 37 35 34 32 30 29 28 26 25 25 24 23 23 22 22 21 20 20 19
1 302 1 266 1 232 1 198 1 165 1 132 1 099 1 065 1 031 997 961 925 888 850 812 772 733 692 652 612 572 533 495 458 423 389 357 327 298 270 244 218 194 170 146 124 101 80 59 39 19
24 899 23 597 22 331 21 099 19 901 18 736 17 604 16 505 15 440 14 408 13 411 12 450 11 525 10 637 9 787 8 975 8 203 7 470 6 778 6 126 5 514 4 942 4 409 3 914 3 456 3 033 2 644 2 287 1 960 1 663 1 393 1 149 931 737 568 421 298 196 116 58 19
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
224
Interest Rate: 8.0% MONETARY FUNCTIONS GROUP LIVES - FEMALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
21 455 19 837 18 339 16 953 15 671 14 484 13 385 12 368 11 425 10 553 9 744 8 995 8 301 7 659 7 063 6 512 6 001 5 528 5 090 4 685 4 311 3 965 3 645 3 350 3 079 2 829 2 598 2 386 2 191 2 011 1 845 1 693 1 552 1 423 1 303 1 193 1 092 998 912 833 760
268 015 246 560 226 724 208 385 191 431 175 760 161 276 147 891 135 523 124 098 113 545 103 801 94 806 86 505 78 846 71 783 65 271 59 270 53 743 48 653 43 967 39 657 35 692 32 047 28 697 25 618 22 789 20 191 17 805 15 614 13 603 11 758 10 065 8 513 7 090 5 787 4 594 3 502 2 504 1 592 760
3 013 731 2 745 716 2 499 156 2 272 432 2 064 047 1 872 616 1 696 856 1 535 580 1 387 689 1 252 166 1 128 068 1 014 523 910 722 815 916 729 411 650 565 578 782 513 511 454 241 400 498 351 846 307 878 268 221 232 529 200 482 171 785 146 168 123 378 103 187 85 382 69 768 56 165 44 407 34 341 25 829 18 739 12 952 8 358 4 856 2 352 760
29 28 27 27 26 26 26 26 26 27 27 28 28 28 28 28 28 28 28 27 27 26 25 23 22 21 20 19 18 17 16 15 15 14 14 13 13 12 12 11 11
909 880 852 825 798 772 746 720 694 668 641 614 586 558 530 502 473 445 416 389 361 334 309 284 260 238 217 198 179 162 145 129 114 100 85 72 59 46 34 22 11
16 377 15 468 14 588 13 736 12 911 12 113 11 340 10 594 9 874 9 180 8 513 7 872 7 258 6 672 6 114 5 584 5 082 4 609 4 164 3 748 3 359 2 998 2 664 2 355 2 071 1 811 1 572 1 355 1 157 978 816 671 542 428 328 243 171 112 66 33 11
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
225
Interest Rate: 9.0% MONETARY FUNCTIONS GROUP LIVES - FEMALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
17 843 16 346 14 973 13 715 12 561 11 503 10 533 9 643 8 827 8 078 7 390 6 760 6 181 5 650 5 163 4 716 4 306 3 931 3 586 3 270 2 981 2 717 2 475 2 254 2 052 1 868 1 700 1 547 1 408 1 280 1 164 1 058 961 873 792 719 651 590 534 483 437
203 523 185 680 169 334 154 361 140 646 128 084 116 581 106 048 96 405 87 578 79 501 72 111 65 351 59 170 53 520 48 357 43 641 39 334 35 404 31 818 28 547 25 566 22 849 20 374 18 119 16 067 14 199 12 498 10 951 9 544 8 263 7 099 6 041 5 080 4 207 3 415 2 696 2 045 1 455 920 437
2 136 817 1 933 294 1 747 614 1 578 280 1 423 920 1 283 274 1 155 190 1 038 609 932 560 836 155 748 577 669 076 596 965 531 614 472 444 418 925 370 568 326 928 287 593 252 190 220 372 191 825 166 259 143 411 123 037 104 918 88 851 74 652 62 154 51 203 41 659 33 396 26 297 20 255 15 175 10 968 7 553 4 857 2 812 1 357 437
24 23 22 21 21 20 20 20 20 20 20 20 21 21 21 20 20 20 20 19 18 17 17 16 15 14 13 12 11 10 10 9 9 9 8 8 8 7 7 6 6
644 620 597 575 554 533 512 492 472 452 431 411 390 370 349 329 308 288 268 249 230 211 194 177 162 147 133 120 109 97 87 77 68 59 50 42 34 27 19 13 6
10 903 10 259 9 639 9 043 8 468 7 914 7 382 6 869 6 377 5 906 5 454 5 023 4 612 4 222 3 852 3 503 3 174 2 866 2 578 2 310 2 061 1 831 1 620 1 426 1 249 1 088 941 808 687 579 481 394 317 250 191 141 99 65 38 19 6
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
226
Interest Rate: 10.0% MONETARY FUNCTIONS GROUP LIVES - FEMALES Age(x)
Dx
Nx
Sx
Cx
Mx
Rx
Age(x)
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
14 864 13 493 12 248 11 117 10 089 9 155 8 307 7 536 6 835 6 198 5 619 5 093 4 615 4 180 3 785 3 426 3 100 2 804 2 535 2 290 2 069 1 868 1 687 1 522 1 373 1 239 1 117 1 007 908 818 737 664 598 538 484 435 391 351 315 282 253
155 943 141 079 127 586 115 338 104 221 94 132 84 977 76 670 69 135 62 300 56 101 50 482 45 389 40 774 36 594 32 810 29 384 26 284 23 480 20 946 18 655 16 586 14 718 13 031 11 509 10 136 8 897 7 780 6 773 5 865 5 046 4 309 3 645 3 047 2 509 2 025 1 591 1 200 849 535 253
1 532 586 1 376 642 1 235 563 1 107 978 992 640 888 419 794 287 709 310 632 639 563 505 501 205 445 104 394 622 349 233 308 458 271 864 239 054 209 670 183 386 159 906 138 960 120 305 103 719 89 001 75 970 64 460 54 325 45 427 37 647 30 875 25 010 19 963 15 654 12 009 8 962 6 452 4 427 2 836 1 636 787 253
20 19 18 17 17 16 16 16 16 15 15 15 15 15 15 15 14 14 14 13 13 12 11 10 10 9 8 8 7 7 6 6 6 5 5 5 4 4 4 4 4
462 442 423 405 388 372 355 340 324 308 293 278 262 247 232 217 202 188 174 160 147 134 123 111 101 91 82 74 66 59 52 46 40 35 30 25 20 15 11 7 4
7 345 6 883 6 442 6 019 5 613 5 225 4 854 4 498 4 159 3 835 3 526 3 234 2 956 2 694 2 447 2 215 1 998 1 795 1 607 1 434 1 273 1 126 992 869 758 657 566 484 410 344 285 233 187 146 112 82 57 37 22 11 4
20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60
227
228
PHASE III: MORTALITY EXPERIENCE OF INDIVIDUAL ANNUITANT LIVES
229
MORTALITY FUNCTIONS ANNUITANT LIVES - MALE Age(x)
lx
qx
Age(x)
Age(x)
lx
qx
Age(x)
55
100 000
0.00373
55
56 57 58 59 60
99 627 99 252 98 870 98 479 98 076
0.00376 0.00385 0.00396 0.00409 0.00423
56 57 58 59 60
86 87 88 89 90
75 989 73 977 71 763 69 326 66 641
0.02648 0.02992 0.03396 0.03873 0.04438
86 87 88 89 90
61 62 63 64 65
97 661 97 233 96 791 96 334 95 861
0.00438 0.00455 0.00472 0.00491 0.00512
61 62 63 64 65
91 92 93 94 95
63 683 60 432 56 867 52 980 48 771
0.05106 0.05898 0.06836 0.07944 0.09248
91 92 93 94 95
66 67 68 69 70
95 370 94 859 94 326 93 767 93 181
0.00536 0.00562 0.00592 0.00625 0.00663
66 67 68 69 70
96 97 98 99 100
44 261 39 493 34 537 29 499 24 510
0.10774 0.12548 0.14589 0.16912 0.19521
96 97 98 99 100
71 72 73 74 75
92 563 91 912 91 222 90 490 89 711
0.00704 0.00750 0.00802 0.00860 0.00925
71 72 73 74 75
101 102 103 104 105
19 725 15 305 11 391 8 092 5 449
0.22412 0.25569 0.28968 0.32656 0.36395
101 102 103 104 105
76 77 78 79
88 881 87 994 87 042 86 019
0.00999 0.01082 0.01175 0.01282
76 77 78 79
106 107 108 109
3 466 2 067 1 147 587
0.40375 0.44519 0.48828 0.53314
106 107 108 109
80
84 916
0.01404
80
81 82 83 84 85
83 724 82 431 81 027 79 495 77 822
0.01544 0.01704 0.01890 0.02105 0.02355
81 82 83 84 85
230
MORTALITY FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
lx
qx
Age(x)
Age(x)
lx
qx
Age(x)
55
100 000
0.00898
55
56 57 58 59 60
99 102 98 382 97 742 97 144 96 566
0.00726 0.00650 0.00613 0.00595 0.00590
56 57 58 59 60
86 87 88 89 90
73 684 72 017 70 228 68 303 66 227
0.02261 0.02484 0.02742 0.03040 0.03387
86 87 88 89 90
61 62 63 64 65
95 996 95 426 94 851 94 267 93 672
0.00594 0.00603 0.00615 0.00631 0.00650
61 62 63 64 65
91 92 93 94 95
63 983 61 556 58 928 56 081 53 000
0.03794 0.04270 0.04831 0.05493 0.06275
91 92 93 94 95
66 67 68 69 70
93 063 92 439 91 796 91 132 90 445
0.00671 0.00696 0.00723 0.00754 0.00788
66 67 68 69 70
96 97 98 99 100
49 675 46 095 42 273 38 224 33 985
0.07207 0.08292 0.09578 0.11089 0.12851
96 97 98 99 100
71 72 73 74 75
89 732 88 991 88 220 87 412 86 570
0.00825 0.00867 0.00916 0.00962 0.01018
71 72 73 74 75
101 102 103 104 105
29 618 25 207 20 864 16 715 12 895
0.14892 0.17231 0.19884 0.22854 0.26138
101 102 103 104 105
76 77 78 79
85 689 84 765 83 794 82 771
0.01079 0.01146 0.01221 0.01304
76 77 78 79
106 107 108 109
9 524 6 694 4 446 2 769
0.29721 0.33585 0.37712 0.42086
106 107 108 109
80
81 691
0.01397
80
81 82 83 84 85
80 550 79 342 78 059 76 694 75 239
0.01500 0.01617 0.01748 0.01897 0.02067
81 82 83 84 85
231
Interest Rate: 0.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.962 4.962 4.960 4.959 4.958
9.823 9.818 9.813 9.806 9.799
14.565 14.551 14.535 14.517 14.497
19.159 19.127 19.091 19.051 19.007
23.555 23.492 23.421 23.341 23.252
27.671 27.552 27.418 27.268 27.101
31.360 31.143 30.898 30.625 30.320
34.366 33.980 33.551 33.076 32.554
36.332 35.710 35.040 34.326 33.574
37.122 36.312 35.480 34.634 33.779
55 56 57 58 59
60 61 62 63 64
4.956 4.955 4.953 4.951 4.949
9.791 9.783 9.773 9.763 9.751
14.475 14.451 14.424 14.395 14.362
18.958 18.903 18.843 18.776 18.702
23.154 23.045 22.924 22.788 22.637
26.915 26.708 26.476 26.217 25.927
29.980 29.603 29.184 28.721 28.211
31.985 31.367 30.704 29.998 29.253
32.790 31.981 31.153 30.312 29.463
65 66 67 68 69
4.947 4.944 4.941 4.938 4.934
9.739 9.724 9.708 9.690 9.670
14.325 14.284 14.238 14.187 14.129
18.619 18.525 18.421 18.303 18.172
22.467 22.276 22.062 21.822 21.552
25.602 25.240 24.838 24.391 23.899
27.653 27.047 26.395 25.701 24.970
28.477 27.676 26.856 26.024 25.185
70 71 72 73 74
4.930 4.925 4.920 4.914 4.908
9.648 9.623 9.595 9.564 9.529
14.065 13.993 13.912 13.821 13.717
18.024 17.857 17.670 17.458 17.220
21.250 20.912 20.535 20.115 19.652
23.359 22.773 22.142 21.470 20.761
24.207 23.421 22.618 21.804 20.985
75 76 77 78 79
4.901 4.892 4.883 4.873 4.861
9.489 9.444 9.392 9.334 9.267
13.600 13.468 13.317 13.146 12.952
16.951 16.649 16.310 15.931 15.510
19.142 18.587 17.989 17.351 16.678
20.023 19.262 18.486 17.701 16.913
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
232
Interest Rate: 0.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
80 81 82 83 84
4.847 4.831 4.813 4.792 4.768
9.191 9.104 9.003 8.888 8.755
12.731 12.481 12.198 11.879 11.523
15.046 14.539 13.990 13.404 12.787
15.976 15.255 14.520 13.780 13.041
85 86 87 88 89
4.740 4.707 4.669 4.624 4.572
8.603 8.428 8.228 8.002 7.746
11.128 10.695 10.226 9.724 9.195
12.144 11.484 10.817 10.148 9.486
90 91 92 93 94
4.511 4.440 4.357 4.262 4.153
7.460 7.145 6.802 6.435 6.049
8.646 8.087 7.525 6.971 6.431
95 96 97 98 99
4.030 3.893 3.742 3.578 3.405
5.651 5.248 4.848 4.460 4.090
100 101 102 103 104
3.224 3.040 2.856 2.674 2.499
30
35
40
45
50
Term Age 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
233
Interest Rate: 1.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.865 4.865 4.864 4.862 4.861
9.400 9.396 9.390 9.384 9.377
13.609 13.597 13.582 13.566 13.548
17.489 17.461 17.430 17.395 17.357
21.022 20.969 20.910 20.843 20.769
24.170 24.074 23.967 23.847 23.713
26.854 26.688 26.500 26.290 26.056
28.937 28.654 28.339 27.990 27.606
30.235 29.796 29.322 28.816 28.280
30.732 30.176 29.600 29.011 28.410
55 56 57 58 59
60 61 62 63 64
4.860 4.858 4.856 4.854 4.852
9.370 9.362 9.353 9.344 9.333
13.528 13.506 13.482 13.455 13.425
17.314 17.267 17.215 17.156 17.092
20.687 20.596 20.495 20.381 20.255
23.564 23.398 23.212 23.005 22.772
25.796 25.506 25.185 24.829 24.437
27.186 26.731 26.240 25.716 25.162
27.720 27.137 26.538 25.925 25.301
65 66 67 68 69
4.850 4.848 4.845 4.841 4.838
9.321 9.307 9.292 9.276 9.257
13.392 13.355 13.314 13.267 13.216
17.019 16.938 16.847 16.745 16.631
20.113 19.954 19.775 19.574 19.350
22.513 22.223 21.900 21.542 21.147
24.008 23.541 23.037 22.499 21.930
24.581 23.978 23.358 22.724 22.080
70 71 72 73 74
4.834 4.829 4.824 4.819 4.813
9.236 9.213 9.186 9.157 9.124
13.158 13.093 13.019 12.937 12.844
16.503 16.358 16.195 16.011 15.804
19.098 18.815 18.500 18.150 17.762
20.714 20.242 19.734 19.190 18.614
21.334 20.716 20.082 19.434 18.778
75 76 77 78 79
4.806 4.798 4.789 4.778 4.767
9.087 9.044 8.996 8.942 8.879
12.738 12.619 12.483 12.328 12.153
15.571 15.308 15.014 14.684 14.318
17.336 16.870 16.367 15.829 15.260
18.013 17.389 16.750 16.099 15.441
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
234
Interest Rate: 1.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
80 81 82 83 84
4.754 4.738 4.721 4.701 4.677
8.808 8.726 8.632 8.524 8.400
11.954 11.727 11.472 11.184 10.862
13.913 13.470 12.990 12.477 11.933
14.665 14.049 13.419 12.781 12.139
85 86 87 88 89
4.650 4.618 4.581 4.537 4.487
8.257 8.093 7.906 7.693 7.454
10.504 10.111 9.685 9.228 8.745
11.366 10.782 10.187 9.589 8.993
90 91 92 93 94
4.427 4.358 4.278 4.186 4.080
7.185 6.889 6.567 6.221 5.857
8.243 7.730 7.213 6.700 6.198
95 96 97 98 99
3.961 3.827 3.680 3.522 3.353
5.480 5.099 4.720 4.351 3.998
100 101 102 103 104
3.177 2.998 2.818 2.642 2.471
30
35
40
45
50
Term Age 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
235
Interest Rate: 2.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.772 4.771 4.770 4.769 4.768
9.006 9.002 8.997 8.991 8.985
12.748 12.736 12.723 12.708 12.692
16.030 16.007 15.979 15.949 15.915
18.876 18.832 18.782 18.726 18.664
21.290 21.214 21.127 21.030 20.922
23.251 23.122 22.977 22.815 22.634
24.699 24.490 24.256 23.998 23.713
25.559 25.247 24.909 24.546 24.161
25.874 25.488 25.085 24.669 24.243
55 56 57 58 59
60 61 62 63 64
4.767 4.765 4.763 4.762 4.760
8.978 8.971 8.962 8.953 8.943
12.674 12.654 12.632 12.608 12.581
15.878 15.837 15.791 15.740 15.684
18.595 18.519 18.434 18.339 18.233
20.802 20.668 20.519 20.352 20.165
22.433 22.209 21.961 21.686 21.382
23.401 23.062 22.696 22.304 21.888
23.756 23.333 22.894 22.443 21.981
65 66 67 68 69
4.757 4.755 4.752 4.749 4.746
8.932 8.919 8.905 8.890 8.872
12.551 12.518 12.480 12.438 12.391
15.621 15.550 15.471 15.382 15.282
18.114 17.980 17.830 17.662 17.474
19.956 19.722 19.462 19.174 18.855
21.049 20.687 20.295 19.875 19.429
21.450 20.993 20.519 20.032 19.534
70 71 72 73 74
4.742 4.737 4.732 4.727 4.721
8.852 8.831 8.806 8.778 8.747
12.339 12.280 12.214 12.139 12.055
15.170 15.044 14.903 14.743 14.562
17.263 17.026 16.762 16.468 16.142
18.505 18.123 17.711 17.268 16.799
18.960 18.471 17.966 17.448 16.919
75 76 77 78 79
4.714 4.706 4.698 4.688 4.677
8.712 8.673 8.628 8.577 8.518
11.960 11.851 11.729 11.589 11.430
14.359 14.130 13.873 13.585 13.265
15.784 15.392 14.967 14.511 14.028
16.305 15.792 15.262 14.719 14.168
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
236
Interest Rate: 2.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
80 81 82 83 84
4.664 4.649 4.632 4.612 4.589
8.451 8.375 8.286 8.185 8.068
11.250 11.045 10.814 10.553 10.261
12.912 12.524 12.103 11.651 11.172
13.520 12.993 12.451 11.898 11.339
85 86 87 88 89
4.563 4.532 4.496 4.454 4.405
7.935 7.781 7.605 7.406 7.180
9.937 9.580 9.191 8.774 8.333
10.669 10.150 9.619 9.082 8.545
90 91 92 93 94
4.347 4.280 4.202 4.113 4.010
6.928 6.650 6.346 6.020 5.676
7.873 7.401 6.924 6.449 5.982
95 96 97 98 99
3.894 3.764 3.622 3.467 3.303
5.320 4.958 4.598 4.247 3.910
100 101 102 103 104
3.132 2.958 2.783 2.610 2.444
30
35
40
45
50
Term Age 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
237
Interest Rate: 3.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.683 4.682 4.681 4.680 4.678
8.639 8.636 8.631 8.625 8.619
11.969 11.959 11.947 11.934 11.919
14.752 14.731 14.707 14.681 14.651
17.050 17.013 16.970 16.923 16.871
18.906 18.844 18.774 18.695 18.608
20.343 20.242 20.129 20.003 19.862
21.354 21.198 21.023 20.829 20.616
21.926 21.702 21.458 21.195 20.915
22.127 21.855 21.570 21.274 20.968
55 56 57 58 59
60 61 62 63 64
4.677 4.676 4.674 4.672 4.670
8.613 8.606 8.598 8.590 8.580
11.902 11.884 11.865 11.843 11.818
14.619 14.583 14.543 14.498 14.449
16.813 16.748 16.677 16.597 16.507
18.510 18.402 18.281 18.145 17.994
19.706 19.532 19.338 19.124 18.887
20.383 20.128 19.853 19.557 19.242
20.619 20.309 19.985 19.650 19.304
65 66 67 68 69
4.668 4.666 4.663 4.660 4.657
8.570 8.558 8.545 8.530 8.513
11.791 11.761 11.727 11.689 11.646
14.394 14.332 14.263 14.185 14.098
16.407 16.295 16.169 16.027 15.869
17.825 17.636 17.425 17.191 16.933
18.628 18.344 18.037 17.706 17.354
18.908 18.558 18.194 17.817 17.429
70 71 72 73 74
4.653 4.649 4.644 4.639 4.633
8.495 8.474 8.451 8.426 8.396
11.599 11.545 11.485 11.418 11.341
14.000 13.890 13.766 13.626 13.469
15.691 15.492 15.269 15.021 14.747
16.648 16.338 16.001 15.639 15.253
16.983 16.594 16.189 15.772 15.342
75 76 77 78 79
4.626 4.619 4.610 4.601 4.590
8.364 8.326 8.284 8.236 8.181
11.255 11.157 11.046 10.919 10.775
13.291 13.091 12.866 12.614 12.334
14.444 14.112 13.752 13.364 12.952
14.847 14.421 13.980 13.526 13.061
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
238
Interest Rate: 3.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
80 81 82 83 84
4.577 4.563 4.546 4.527 4.505
8.118 8.046 7.964 7.869 7.759
10.612 10.426 10.216 9.980 9.714
12.024 11.683 11.313 10.914 10.490
12.517 12.064 11.595 11.115 10.626
85 86 87 88 89
4.479 4.449 4.414 4.374 4.326
7.633 7.489 7.324 7.137 6.925
9.419 9.094 8.740 8.359 7.955
10.044 9.581 9.105 8.622 8.136
90 91 92 93 94
4.270 4.205 4.129 4.042 3.943
6.688 6.425 6.139 5.831 5.506
7.533 7.098 6.657 6.216 5.781
95 96 97 98 99
3.830 3.704 3.565 3.415 3.255
5.169 4.826 4.483 4.149 3.827
100 101 102 103 104
3.089 2.918 2.748 2.580 2.417
30
35
40
45
50
Term Age 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
239
Interest Rate: 4.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.596 4.596 4.595 4.594 4.592
8.297 8.294 8.289 8.284 8.278
11.265 11.256 11.245 11.232 11.219
13.628 13.610 13.589 13.565 13.539
15.488 15.456 15.420 15.380 15.336
16.919 16.868 16.811 16.747 16.675
17.975 17.896 17.807 17.708 17.598
18.683 18.565 18.434 18.288 18.126
19.066 18.903 18.725 18.532 18.327
19.194 19.000 18.796 18.583 18.360
55 56 57 58 59
60 61 62 63 64
4.591 4.590 4.588 4.586 4.584
8.272 8.266 8.259 8.251 8.242
11.204 11.188 11.170 11.150 11.128
13.511 13.479 13.444 13.405 13.362
15.287 15.232 15.171 15.104 15.028
16.596 16.508 16.409 16.299 16.175
17.475 17.338 17.187 17.019 16.833
17.950 17.757 17.548 17.323 17.082
18.108 17.878 17.637 17.385 17.124
65 66 67 68 69
4.582 4.580 4.577 4.574 4.571
8.232 8.221 8.208 8.194 8.179
11.103 11.075 11.045 11.010 10.971
13.313 13.259 13.198 13.130 13.054
14.943 14.848 14.742 14.622 14.488
16.037 15.883 15.712 15.521 15.310
16.628 16.405 16.162 15.901 15.621
16.826 16.556 16.273 15.979 15.673
70 71 72 73 74
4.568 4.563 4.559 4.554 4.548
8.161 8.142 8.121 8.096 8.069
10.928 10.880 10.825 10.764 10.694
12.968 12.872 12.763 12.640 12.502
14.338 14.169 13.981 13.771 13.538
15.077 14.823 14.547 14.249 13.931
15.324 15.012 14.686 14.347 13.997
75 76 77 78 79
4.542 4.534 4.526 4.517 4.506
8.038 8.003 7.963 7.918 7.867
10.616 10.527 10.426 10.311 10.181
12.346 12.171 11.974 11.753 11.507
13.281 12.999 12.693 12.362 12.009
13.594 13.239 12.870 12.487 12.093
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
240
Interest Rate: 4.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
80 81 82 83 84
4.494 4.480 4.464 4.446 4.424
7.808 7.740 7.662 7.573 7.470
10.032 9.863 9.673 9.457 9.216
11.234 10.933 10.606 10.253 9.877
11.635 11.243 10.836 10.417 9.988
85 86 87 88 89
4.399 4.370 4.336 4.296 4.250
7.352 7.216 7.061 6.885 6.685
8.947 8.651 8.327 7.978 7.608
9.480 9.066 8.639 8.203 7.763
90 91 92 93 94
4.195 4.132 4.059 3.974 3.877
6.462 6.215 5.944 5.654 5.346
7.219 6.817 6.409 5.999 5.593
95 96 97 98 99
3.768 3.645 3.510 3.364 3.208
5.026 4.700 4.375 4.055 3.748
100 101 102 103 104
3.047 2.881 2.715 2.551 2.392
30
35
40
45
50
Term Age 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
241
Interest Rate: 5.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.513 4.513 4.512 4.511 4.509
7.978 7.974 7.970 7.965 7.960
10.626 10.617 10.607 10.596 10.584
12.636 12.620 12.602 12.581 12.558
14.144 14.117 14.087 14.053 14.015
15.251 15.209 15.162 15.110 15.051
16.029 15.967 15.897 15.819 15.731
16.527 16.438 16.338 16.226 16.103
16.784 16.664 16.533 16.391 16.238
16.866 16.727 16.579 16.423 16.260
55 56 57 58 59
60 61 62 63 64
4.508 4.507 4.505 4.504 4.502
7.954 7.948 7.941 7.934 7.925
10.570 10.556 10.539 10.521 10.501
12.533 12.505 12.474 12.440 12.402
13.973 13.927 13.875 13.818 13.754
14.986 14.913 14.832 14.742 14.641
15.634 15.526 15.406 15.273 15.127
15.969 15.821 15.661 15.488 15.302
16.075 15.903 15.721 15.530 15.330
65 66 67 68 69
4.500 4.498 4.495 4.492 4.489
7.916 7.905 7.894 7.881 7.866
10.478 10.453 10.425 10.394 10.359
12.359 12.311 12.258 12.198 12.131
13.682 13.601 13.510 13.409 13.295
14.528 14.402 14.261 14.105 13.931
14.965 14.787 14.594 14.385 14.162
15.104 14.894 14.673 14.441 14.199
70 71 72 73 74
4.485 4.481 4.477 4.472 4.466
7.850 7.832 7.811 7.789 7.763
10.319 10.275 10.226 10.170 10.107
12.056 11.971 11.875 11.767 11.646
13.167 13.024 12.864 12.686 12.488
13.740 13.531 13.303 13.056 12.792
13.923 13.671 13.406 13.129 12.841
75 76 77 78 79
4.460 4.453 4.445 4.436 4.426
7.734 7.701 7.664 7.621 7.573
10.035 9.954 9.862 9.758 9.639
11.509 11.354 11.181 10.986 10.769
12.269 12.028 11.766 11.482 11.178
12.511 12.214 11.903 11.580 11.244
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
242
Interest Rate: 5.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
80 81 82 83 84
4.414 4.400 4.385 4.367 4.346
7.517 7.454 7.380 7.296 7.200
9.504 9.351 9.177 8.981 8.761
10.528 10.263 9.974 9.660 9.325
10.855 10.516 10.161 9.794 9.416
85 86 87 88 89
4.322 4.293 4.260 4.222 4.177
7.089 6.961 6.815 6.649 6.461
8.515 8.244 7.948 7.628 7.287
8.971 8.599 8.215 7.821 7.420
90 91 92 93 94
4.124 4.062 3.991 3.909 3.815
6.250 6.017 5.761 5.486 5.195
6.929 6.558 6.178 5.797 5.417
95 96 97 98 99
3.708 3.589 3.457 3.315 3.164
4.892 4.582 4.272 3.967 3.672
100 101 102 103 104
3.006 2.844 2.682 2.522 2.367
30
35
40
45
50
Term Age 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
243
Interest Rate: 6.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.433 4.433 4.432 4.431 4.430
7.679 7.676 7.672 7.667 7.662
10.045 10.037 10.028 10.018 10.007
11.758 11.744 11.728 11.709 11.689
12.984 12.961 12.935 12.906 12.873
13.842 13.808 13.769 13.725 13.677
14.417 14.368 14.312 14.249 14.180
14.769 14.700 14.623 14.537 14.443
14.942 14.853 14.755 14.648 14.534
14.995 14.893 14.784 14.669 14.548
55 56 57 58 59
60 61 62 63 64
4.428 4.427 4.426 4.424 4.422
7.657 7.651 7.645 7.637 7.630
9.994 9.981 9.966 9.949 9.931
11.667 11.642 11.615 11.585 11.551
12.838 12.798 12.754 12.705 12.650
13.623 13.563 13.496 13.422 13.339
14.103 14.017 13.921 13.815 13.698
14.339 14.225 14.101 13.967 13.822
14.411 14.280 14.142 13.995 13.841
65 66 67 68 69
4.420 4.418 4.416 4.413 4.410
7.621 7.611 7.600 7.588 7.574
9.911 9.888 9.862 9.833 9.801
11.514 11.471 11.424 11.371 11.312
12.589 12.520 12.442 12.356 12.259
13.245 13.141 13.025 12.896 12.753
13.569 13.427 13.272 13.104 12.924
13.667 13.502 13.328 13.144 12.950
70 71 72 73 74
4.406 4.402 4.398 4.393 4.388
7.559 7.541 7.522 7.501 7.477
9.765 9.725 9.680 9.629 9.572
11.245 11.171 11.086 10.991 10.884
12.150 12.028 11.891 11.739 11.569
12.595 12.421 12.232 12.027 11.806
12.731 12.526 12.309 12.081 11.843
75 76 77 78 79
4.382 4.375 4.367 4.358 4.348
7.449 7.418 7.383 7.343 7.298
9.506 9.433 9.349 9.254 9.145
10.763 10.627 10.474 10.302 10.110
11.382 11.176 10.951 10.706 10.444
11.571 11.321 11.058 10.783 10.495
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
244
Interest Rate: 6.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
80 81 82 83 84
4.337 4.324 4.308 4.291 4.271
7.245 7.185 7.117 7.038 6.946
9.022 8.882 8.724 8.545 8.344
9.897 9.662 9.405 9.126 8.827
10.164 9.868 9.558 9.235 8.901
85 86 87 88 89
4.247 4.220 4.187 4.150 4.106
6.842 6.721 6.584 6.427 6.250
8.119 7.871 7.599 7.305 6.991
8.509 8.175 7.828 7.471 7.106
90 91 92 93 94
4.055 3.995 3.926 3.846 3.754
6.051 5.831 5.589 5.329 5.053
6.660 6.317 5.964 5.608 5.252
95 96 97 98 99
3.650 3.534 3.407 3.268 3.120
4.765 4.470 4.174 3.883 3.601
100 101 102 103 104
2.967 2.809 2.651 2.495 2.343
30
35
40
45
50
Term Age 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
245
Interest Rate: 7.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.356 4.356 4.355 4.354 4.353
7.399 7.396 7.392 7.388 7.384
9.516 9.509 9.501 9.491 9.481
10.978 10.966 10.951 10.935 10.917
11.977 11.957 11.934 11.909 11.882
12.643 12.615 12.583 12.546 12.506
13.070 13.031 12.986 12.935 12.880
13.319 13.266 13.206 13.139 13.066
13.436 13.369 13.295 13.215 13.127
13.470 13.395 13.314 13.228 13.136
55 56 57 58 59
60 61 62 63 64
4.351 4.350 4.349 4.347 4.345
7.378 7.373 7.367 7.360 7.353
9.470 9.457 9.444 9.429 9.412
10.897 10.876 10.851 10.825 10.795
11.851 11.817 11.779 11.737 11.690
12.461 12.412 12.356 12.295 12.226
12.817 12.748 12.672 12.587 12.493
12.985 12.896 12.800 12.694 12.581
13.034 12.934 12.827 12.714 12.594
65 66 67 68 69
4.344 4.341 4.339 4.336 4.333
7.344 7.335 7.325 7.313 7.300
9.393 9.372 9.349 9.322 9.293
10.762 10.724 10.682 10.636 10.583
11.637 11.578 11.512 11.438 11.355
12.148 12.062 11.966 11.858 11.739
12.389 12.274 12.149 12.013 11.867
12.459 12.328 12.189 12.041 11.885
70 71 72 73 74
4.330 4.326 4.322 4.317 4.312
7.286 7.270 7.252 7.231 7.209
9.260 9.224 9.182 9.136 9.083
10.524 10.458 10.383 10.299 10.205
11.261 11.157 11.040 10.909 10.764
11.608 11.464 11.306 11.134 10.949
11.709 11.541 11.363 11.174 10.976
75 76 77 78 79
4.306 4.299 4.292 4.283 4.274
7.183 7.154 7.120 7.083 7.040
9.024 8.957 8.880 8.793 8.694
10.098 9.977 9.842 9.689 9.519
10.603 10.425 10.231 10.020 9.792
10.750 10.539 10.315 10.079 9.832
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
246
Interest Rate: 7.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
80 81 82 83 84
4.262 4.250 4.235 4.218 4.198
6.991 6.934 6.869 6.795 6.709
8.582 8.454 8.309 8.145 7.961
9.330 9.121 8.892 8.643 8.375
9.549 9.290 9.018 8.733 8.436
85 86 87 88 89
4.175 4.148 4.117 4.081 4.038
6.610 6.497 6.367 6.219 6.052
7.755 7.528 7.278 7.008 6.718
8.090 7.789 7.475 7.150 6.816
90 91 92 93 94
3.988 3.930 3.863 3.785 3.696
5.864 5.656 5.427 5.180 4.918
6.412 6.093 5.765 5.432 5.098
95 96 97 98 99
3.595 3.482 3.357 3.222 3.079
4.644 4.364 4.082 3.803 3.532
100 101 102 103 104
2.929 2.775 2.621 2.468 2.320
30
35
40
45
50
Term Age 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
247
Interest Rate: 8.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.282 4.282 4.281 4.280 4.279
7.137 7.134 7.131 7.127 7.122
9.033 9.027 9.019 9.010 9.001
10.283 10.272 10.259 10.245 10.229
11.098 11.081 11.062 11.040 11.016
11.618 11.594 11.567 11.537 11.503
11.935 11.903 11.867 11.826 11.781
12.112 12.070 12.023 11.971 11.913
12.192 12.141 12.084 12.022 11.955
12.214 12.158 12.097 12.031 11.961
55 56 57 58 59
60 61 62 63 64
4.277 4.276 4.275 4.273 4.272
7.118 7.112 7.107 7.100 7.093
8.991 8.979 8.967 8.953 8.938
10.211 10.192 10.171 10.147 10.120
10.990 10.961 10.928 10.892 10.851
11.466 11.424 11.378 11.326 11.269
11.731 11.675 11.613 11.544 11.468
11.850 11.780 11.704 11.621 11.531
11.883 11.805 11.722 11.634 11.539
65 66 67 68 69
4.270 4.268 4.265 4.263 4.260
7.086 7.077 7.067 7.056 7.044
8.921 8.901 8.880 8.856 8.829
10.091 10.058 10.021 9.979 9.932
10.806 10.755 10.698 10.634 10.563
11.204 11.132 11.052 10.962 10.863
11.383 11.290 11.189 11.078 10.958
11.433 11.329 11.217 11.098 10.971
70 71 72 73 74
4.256 4.253 4.249 4.244 4.239
7.030 7.015 6.998 6.979 6.957
8.799 8.766 8.728 8.685 8.637
9.880 9.821 9.755 9.681 9.597
10.482 10.392 10.292 10.179 10.054
10.753 10.632 10.499 10.355 10.198
10.829 10.690 10.542 10.385 10.219
75 76 77 78 79
4.233 4.227 4.219 4.211 4.202
6.933 6.905 6.874 6.839 6.798
8.583 8.521 8.451 8.372 8.281
9.502 9.395 9.274 9.139 8.988
9.915 9.761 9.593 9.410 9.211
10.030 9.850 9.659 9.456 9.243
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
248
Interest Rate: 8.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
80 81 82 83 84
4.191 4.178 4.164 4.147 4.128
6.752 6.699 6.637 6.567 6.486
8.178 8.061 7.928 7.778 7.610
8.819 8.633 8.428 8.205 7.965
8.998 8.772 8.532 8.279 8.015
85 86 87 88 89
4.106 4.080 4.050 4.014 3.973
6.393 6.286 6.163 6.024 5.866
7.421 7.212 6.982 6.732 6.464
7.708 7.436 7.151 6.854 6.549
90 91 92 93 94
3.924 3.868 3.802 3.726 3.640
5.688 5.491 5.274 5.040 4.791
6.181 5.884 5.578 5.267 4.953
95 96 97 98 99
3.541 3.431 3.310 3.178 3.038
4.530 4.263 3.993 3.727 3.467
100 101 102 103 104
2.892 2.742 2.592 2.443 2.298
30
35
40
45
50
Term Age 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
249
Interest Rate: 9.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.210 4.210 4.209 4.208 4.207
6.891 6.889 6.885 6.882 6.877
8.591 8.586 8.579 8.571 8.562
9.662 9.652 9.641 9.628 9.614
10.329 10.314 10.297 10.279 10.258
10.734 10.714 10.692 10.666 10.638
10.971 10.945 10.916 10.882 10.845
11.097 11.064 11.027 10.986 10.940
11.152 11.112 11.069 11.021 10.968
11.166 11.123 11.077 11.026 10.972
55 56 57 58 59
60 61 62 63 64
4.206 4.205 4.203 4.202 4.200
6.873 6.868 6.863 6.857 6.850
8.553 8.542 8.531 8.518 8.504
9.598 9.581 9.562 9.541 9.517
10.235 10.209 10.181 10.150 10.115
10.607 10.572 10.533 10.490 10.441
10.804 10.759 10.708 10.652 10.590
10.889 10.834 10.773 10.707 10.635
10.912 10.851 10.786 10.716 10.641
65 66 67 68 69
4.198 4.196 4.194 4.192 4.189
6.843 6.834 6.825 6.815 6.803
8.488 8.471 8.451 8.429 8.404
9.491 9.461 9.428 9.391 9.350
10.076 10.032 9.983 9.927 9.865
10.387 10.327 10.259 10.184 10.100
10.521 10.445 10.361 10.270 10.171
10.557 10.472 10.382 10.285 10.181
70 71 72 73 74
4.185 4.182 4.178 4.174 4.169
6.790 6.776 6.760 6.742 6.722
8.377 8.346 8.311 8.272 8.228
9.303 9.251 9.192 9.125 9.051
9.796 9.718 9.631 9.534 9.425
10.008 9.906 9.794 9.671 9.539
10.064 9.949 9.826 9.694 9.554
75 76 77 78 79
4.163 4.157 4.150 4.141 4.132
6.699 6.673 6.643 6.610 6.571
8.179 8.122 8.058 7.985 7.902
8.966 8.871 8.764 8.643 8.508
9.305 9.172 9.025 8.865 8.692
9.395 9.241 9.077 8.902 8.717
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
250
Interest Rate: 9.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
80 81 82 83 84
4.122 4.110 4.096 4.079 4.061
6.527 6.477 6.419 6.353 6.277
7.808 7.700 7.579 7.441 7.286
8.358 8.191 8.008 7.808 7.591
8.505 8.305 8.093 7.868 7.633
85 86 87 88 89
4.039 4.014 3.984 3.950 3.909
6.189 6.087 5.972 5.840 5.690
7.112 6.920 6.708 6.477 6.229
7.359 7.113 6.853 6.582 6.302
90 91 92 93 94
3.862 3.807 3.743 3.670 3.585
5.522 5.335 5.130 4.907 4.671
5.966 5.690 5.404 5.112 4.817
95 96 97 98 99
3.489 3.382 3.264 3.136 2.999
4.422 4.167 3.910 3.654 3.405
100 101 102 103 104
2.857 2.710 2.563 2.418 2.276
30
35
40
45
50
Term Age 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
251
Interest Rate: 10.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.141 4.141 4.140 4.139 4.138
6.661 6.658 6.655 6.651 6.647
8.187 8.182 8.175 8.168 8.160
9.105 9.096 9.086 9.075 9.062
9.651 9.639 9.624 9.608 9.590
9.969 9.952 9.933 9.911 9.888
10.146 10.125 10.101 10.073 10.043
10.237 10.210 10.180 10.147 10.110
10.274 10.243 10.209 10.171 10.130
10.283 10.250 10.214 10.175 10.133
55 56 57 58 59
60 61 62 63 64
4.137 4.136 4.134 4.133 4.131
6.643 6.639 6.633 6.628 6.622
8.151 8.142 8.131 8.120 8.107
9.048 9.033 9.016 8.997 8.976
9.570 9.548 9.523 9.496 9.466
9.861 9.831 9.799 9.762 9.721
10.009 9.972 9.930 9.884 9.833
10.070 10.025 9.977 9.923 9.865
10.085 10.037 9.985 9.929 9.869
65 66 67 68 69
4.130 4.128 4.125 4.123 4.120
6.615 6.607 6.598 6.588 6.577
8.092 8.076 8.058 8.038 8.015
8.952 8.926 8.896 8.863 8.826
9.432 9.393 9.351 9.303 9.249
9.676 9.624 9.567 9.504 9.433
9.776 9.713 9.644 9.569 9.487
9.802 9.733 9.659 9.579 9.494
70 71 72 73 74
4.117 4.114 4.110 4.105 4.101
6.565 6.552 6.536 6.519 6.500
7.990 7.962 7.930 7.894 7.853
8.784 8.738 8.685 8.626 8.559
9.189 9.121 9.046 8.961 8.867
9.355 9.268 9.173 9.069 8.956
9.397 9.301 9.197 9.086 8.967
75 76 77 78 79
4.095 4.089 4.082 4.074 4.065
6.478 6.454 6.426 6.394 6.358
7.808 7.756 7.697 7.630 7.554
8.484 8.399 8.303 8.195 8.075
8.762 8.646 8.518 8.378 8.226
8.833 8.701 8.559 8.407 8.245
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
252
Interest Rate: 10.0%
ANNUITY FUNCTIONS ANNUITANT LIVES - MALE
ax:n Term Age
5
10
15
20
25
80 81 82 83 84
4.055 4.043 4.030 4.014 3.996
6.317 6.269 6.215 6.152 6.079
7.467 7.369 7.257 7.130 6.987
7.940 7.791 7.626 7.446 7.250
8.061 7.884 7.696 7.496 7.284
85 86 87 88 89
3.975 3.950 3.921 3.888 3.848
5.996 5.901 5.791 5.666 5.525
6.827 6.650 6.454 6.240 6.010
7.040 6.816 6.579 6.331 6.073
90 91 92 93 94
3.802 3.749 3.687 3.615 3.533
5.365 5.188 4.993 4.782 4.556
5.765 5.508 5.241 4.967 4.689
95 96 97 98 99
3.439 3.335 3.220 3.095 2.962
4.320 4.076 3.830 3.585 3.346
100 101 102 103 104
2.822 2.679 2.536 2.394 2.255
30
35
40
45
50
Term Age 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
253
Interest Rate: 0.0% ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.924 4.934 4.938 4.940 4.941
9.695 9.719 9.728 9.731 9.730
14.316 14.349 14.359 14.357 14.347
18.764 18.798 18.799 18.783 18.755
23.000 23.023 23.003 22.959 22.898
26.963 26.957 26.896 26.803 26.685
30.558 30.494 30.360 30.182 29.968
33.625 33.456 33.198 32.881 32.512
35.918 35.577 35.131 34.613 34.035
37.182 36.640 35.998 35.295 34.552
55 56 57 58 59
60 61 62 63 64
4.941 4.940 4.939 4.937 4.935
9.726 9.720 9.712 9.704 9.693
14.332 14.313 14.291 14.265 14.236
18.719 18.675 18.625 18.568 18.505
22.823 22.736 22.638 22.529 22.407
26.546 26.387 26.209 26.011 25.791
29.723 29.445 29.136 28.792 28.413
32.097 31.635 31.129 30.577 29.982
33.406 32.732 32.022 31.280 30.515
65 66 67 68 69
4.933 4.931 4.928 4.925 4.922
9.682 9.669 9.654 9.638 9.621
14.204 14.168 14.128 14.085 14.036
18.435 18.357 18.272 18.177 18.073
22.272 22.123 21.958 21.775 21.573
25.547 25.277 24.979 24.649 24.285
27.995 27.537 27.036 26.493 25.908
29.344 28.668 27.958 27.220 26.460
70 71 72 73 74
4.918 4.914 4.909 4.904 4.899
9.601 9.580 9.557 9.531 9.503
13.983 13.925 13.861 13.789 13.711
17.958 17.831 17.690 17.533 17.360
21.350 21.102 20.827 20.523 20.188
23.885 23.445 22.965 22.443 21.879
25.282 24.619 23.922 23.198 22.455
75 76 77 78 79
4.893 4.886 4.879 4.871 4.862
9.471 9.436 9.398 9.354 9.306
13.624 13.526 13.418 13.296 13.160
17.167 16.952 16.712 16.444 16.146
19.816 19.406 18.956 18.465 17.933
21.275 20.634 19.961 19.261 18.540
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
254
ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
80 81 82 83 84
4.852 4.840 4.827 4.813 4.796
9.252 9.191 9.122 9.044 8.956
13.007 12.835 12.642 12.424 12.178
15.814 15.446 15.039 14.592 14.106
17.361 16.753 16.113 15.447 14.762
85 86 87 88 89
4.778 4.756 4.732 4.703 4.670
8.855 8.740 8.609 8.459 8.288
11.902 11.594 11.250 10.870 10.454
13.582 13.023 12.433 11.820 11.190
90 91 92 93 94
4.632 4.588 4.536 4.476 4.407
8.094 7.874 7.626 7.349 7.044
10.002 9.520 9.010 8.481 7.940
95 96 97 98 99
4.326 4.233 4.126 4.005 3.869
6.710 6.352 5.975 5.583 5.185
100 101 102 103 104
3.719 3.555 3.380 3.197 3.008
30
35
40
45
50
Term Age
80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
255
Interest Rate: 1.0% ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.828 4.838 4.842 4.844 4.845
9.279 9.302 9.311 9.314 9.313
13.381 13.412 13.421 13.420 13.411
17.138 17.170 17.172 17.158 17.134
20.542 20.565 20.550 20.514 20.464
23.573 23.574 23.528 23.454 23.360
26.189 26.147 26.048 25.914 25.750
28.313 28.199 28.015 27.783 27.513
29.826 29.599 29.291 28.927 28.519
30.620 30.267 29.836 29.357 28.845
55 56 57 58 59
60 61 62 63 64
4.844 4.844 4.842 4.841 4.839
9.309 9.303 9.296 9.288 9.278
13.398 13.381 13.360 13.337 13.311
17.103 17.065 17.021 16.972 16.917
20.402 20.329 20.247 20.156 20.054
23.249 23.122 22.979 22.819 22.642
25.561 25.348 25.109 24.845 24.552
27.207 26.867 26.492 26.083 25.641
28.072 27.592 27.082 26.549 25.994
65 66 67 68 69
4.837 4.835 4.832 4.829 4.826
9.267 9.255 9.242 9.227 9.210
13.282 13.249 13.213 13.174 13.130
16.856 16.788 16.714 16.631 16.541
19.941 19.816 19.677 19.524 19.355
22.446 22.229 21.989 21.724 21.431
24.230 23.876 23.489 23.069 22.615
25.167 24.662 24.130 23.574 22.999
70 71 72 73 74
4.822 4.818 4.814 4.809 4.804
9.192 9.172 9.150 9.126 9.100
13.082 13.030 12.971 12.907 12.836
16.440 16.330 16.207 16.071 15.920
19.168 18.960 18.731 18.476 18.195
21.109 20.755 20.368 19.947 19.492
22.129 21.612 21.068 20.500 19.913
75 76 77 78 79
4.798 4.792 4.785 4.777 4.768
9.070 9.037 9.001 8.961 8.915
12.757 12.669 12.571 12.461 12.338
15.752 15.565 15.356 15.123 14.863
17.883 17.540 17.163 16.750 16.303
19.003 18.483 17.935 17.362 16.770
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
256
ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
80 81 82 83 84
4.758 4.747 4.735 4.720 4.704
8.865 8.808 8.743 8.670 8.587
12.200 12.045 11.870 11.673 11.451
14.574 14.253 13.899 13.509 13.084
15.821 15.308 14.766 14.199 13.614
85 86 87 88 89
4.686 4.665 4.642 4.614 4.582
8.493 8.385 8.262 8.122 7.962
11.202 10.922 10.611 10.267 9.889
12.625 12.134 11.615 11.073 10.514
90 91 92 93 94
4.545 4.502 4.452 4.394 4.326
7.780 7.573 7.340 7.081 6.793
9.479 9.039 8.575 8.090 7.594
95 96 97 98 99
4.248 4.157 4.054 3.936 3.804
6.480 6.142 5.786 5.416 5.039
100 101 102 103 104
3.658 3.499 3.329 3.151 2.967
30
35
40
45
50
Term Age
80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
257
Interest Rate: 2.0% ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.736 4.745 4.749 4.751 4.752
8.892 8.914 8.922 8.925 8.924
12.538 12.567 12.576 12.575 12.567
15.717 15.747 15.750 15.738 15.718
18.459 18.482 18.471 18.442 18.400
20.783 20.789 20.755 20.697 20.621
22.693 22.669 22.595 22.493 22.367
24.171 24.095 23.963 23.793 23.594
25.172 25.023 24.808 24.551 24.260
25.674 25.445 25.153 24.823 24.467
55 56 57 58 59
60 61 62 63 64
4.752 4.751 4.750 4.748 4.747
8.921 8.915 8.909 8.901 8.892
12.555 12.540 12.521 12.500 12.477
15.690 15.657 15.619 15.576 15.528
18.348 18.287 18.218 18.141 18.056
20.532 20.429 20.314 20.185 20.042
22.221 22.056 21.870 21.665 21.437
23.366 23.113 22.833 22.527 22.196
23.940 23.594 23.225 22.837 22.431
65 66 67 68 69
4.745 4.743 4.740 4.737 4.734
8.882 8.870 8.858 8.844 8.828
12.450 12.421 12.388 12.353 12.313
15.475 15.416 15.351 15.279 15.200
17.961 17.855 17.739 17.610 17.468
19.883 19.708 19.513 19.299 19.062
21.187 20.911 20.610 20.283 19.928
21.840 21.460 21.057 20.636 20.197
70 71 72 73 74
4.730 4.727 4.722 4.718 4.713
8.811 8.792 8.772 8.749 8.724
12.270 12.222 12.169 12.111 12.047
15.112 15.015 14.908 14.789 14.658
17.310 17.136 16.943 16.729 16.492
18.801 18.514 18.201 17.859 17.490
19.548 19.142 18.714 18.265 17.799
75 76 77 78 79
4.707 4.701 4.694 4.686 4.678
8.697 8.666 8.632 8.594 8.552
11.975 11.895 11.807 11.707 11.596
14.511 14.347 14.165 13.962 13.735
16.230 15.941 15.623 15.276 14.898
17.092 16.667 16.218 15.747 15.258
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
258
ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
80 81 82 83 84
4.668 4.657 4.645 4.632 4.616
8.504 8.450 8.390 8.321 8.244
11.471 11.330 11.172 10.993 10.792
13.482 13.202 12.892 12.551 12.178
14.490 14.055 13.593 13.109 12.607
85 86 87 88 89
4.598 4.578 4.555 4.528 4.497
8.155 8.054 7.939 7.807 7.657
10.566 10.313 10.031 9.718 9.375
11.775 11.342 10.884 10.404 9.907
90 91 92 93 94
4.461 4.420 4.371 4.315 4.249
7.486 7.292 7.074 6.829 6.559
9.001 8.600 8.175 7.731 7.275
95 96 97 98 99
4.173 4.085 3.985 3.870 3.742
6.264 5.945 5.609 5.259 4.901
100 101 102 103 104
3.600 3.446 3.280 3.106 2.927
30
35
40
45
50
Term Age
80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
259
Interest Rate: 3.0% ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.647 4.656 4.660 4.662 4.663
8.531 8.552 8.560 8.563 8.562
11.776 11.804 11.812 11.811 11.805
14.471 14.499 14.503 14.493 14.476
16.685 16.708 16.700 16.676 16.641
18.473 18.482 18.456 18.410 18.350
19.872 19.859 19.805 19.726 19.629
20.903 20.855 20.759 20.634 20.485
21.569 21.472 21.322 21.139 20.930
21.888 21.740 21.541 21.312 21.061
55 56 57 58 59
60 61 62 63 64
4.663 4.662 4.661 4.660 4.658
8.559 8.554 8.548 8.540 8.532
11.794 11.780 11.763 11.744 11.723
14.452 14.423 14.390 14.352 14.310
16.598 16.547 16.489 16.423 16.351
18.277 18.194 18.100 17.996 17.879
19.515 19.386 19.241 19.080 18.902
20.315 20.124 19.914 19.683 19.433
20.697 20.445 20.176 19.890 19.590
65 66 67 68 69
4.656 4.654 4.651 4.648 4.645
8.522 8.512 8.500 8.486 8.472
11.699 11.672 11.643 11.610 11.574
14.263 14.212 14.154 14.091 14.022
16.271 16.182 16.083 15.975 15.854
17.750 17.607 17.449 17.274 17.081
18.706 18.490 18.254 17.996 17.717
19.163 18.874 18.567 18.244 17.906
70 71 72 73 74
4.642 4.638 4.634 4.630 4.625
8.456 8.438 8.419 8.398 8.374
11.535 11.491 11.444 11.391 11.332
13.945 13.860 13.766 13.662 13.547
15.721 15.574 15.410 15.230 15.030
16.869 16.635 16.380 16.101 15.799
17.417 17.097 16.757 16.399 16.027
75 76 77 78 79
4.619 4.613 4.606 4.599 4.591
8.348 8.320 8.288 8.252 8.212
11.267 11.195 11.115 11.025 10.924
13.419 13.275 13.116 12.938 12.739
14.808 14.564 14.295 14.001 13.680
15.473 15.124 14.754 14.365 13.959
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
260
ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
80 81 82 83 84
4.581 4.571 4.559 4.546 4.531
8.168 8.117 8.060 7.996 7.923
10.810 10.683 10.539 10.377 10.194
12.518 12.272 12.000 11.700 11.372
13.334 12.963 12.568 12.153 11.721
85 86 87 88 89
4.514 4.494 4.472 4.446 4.416
7.840 7.745 7.637 7.513 7.372
9.989 9.759 9.503 9.218 8.905
11.017 10.635 10.229 9.802 9.359
90 91 92 93 94
4.381 4.340 4.293 4.238 4.174
7.211 7.029 6.824 6.594 6.339
8.565 8.198 7.809 7.401 6.980
95 96 97 98 99
4.100 4.015 3.918 3.807 3.682
6.061 5.760 5.442 5.111 4.772
100 101 102 103 104
3.544 3.394 3.232 3.063 2.889
30
35
40
45
50
Term Age
80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
261
Interest Rate: 4.0% ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.562 4.571 4.575 4.577 4.577
8.195 8.214 8.222 8.225 8.224
11.087 11.113 11.121 11.120 11.114
13.376 13.402 13.406 13.398 13.383
15.167 15.189 15.184 15.164 15.135
16.546 16.557 16.538 16.502 16.453
17.574 17.569 17.529 17.469 17.393
18.296 18.267 18.198 18.105 17.993
18.741 18.679 18.574 18.443 18.290
18.944 18.850 18.714 18.553 18.374
55 56 57 58 59
60 61 62 63 64
4.577 4.576 4.575 4.574 4.572
8.221 8.217 8.211 8.204 8.196
11.105 11.092 11.077 11.060 11.040
13.362 13.337 13.307 13.274 13.237
15.099 15.055 15.006 14.951 14.889
16.394 16.326 16.249 16.164 16.068
17.304 17.202 17.088 16.961 16.821
17.865 17.720 17.560 17.384 17.193
18.120 17.935 17.735 17.523 17.298
65 66 67 68 69
4.570 4.568 4.566 4.563 4.560
8.187 8.177 8.166 8.153 8.140
11.018 10.994 10.967 10.938 10.905
13.196 13.151 13.101 13.045 12.984
14.821 14.746 14.662 14.570 14.468
15.962 15.845 15.716 15.573 15.415
16.666 16.495 16.308 16.104 15.883
16.987 16.765 16.528 16.278 16.016
70 71 72 73 74
4.557 4.553 4.549 4.545 4.540
8.125 8.108 8.090 8.070 8.048
10.869 10.830 10.786 10.738 10.685
12.917 12.842 12.759 12.668 12.567
14.355 14.230 14.091 13.938 13.768
15.241 15.049 14.840 14.611 14.363
15.645 15.390 15.118 14.831 14.531
75 76 77 78 79
4.535 4.529 4.522 4.515 4.507
8.023 7.996 7.966 7.933 7.895
10.626 10.560 10.487 10.405 10.313
12.454 12.328 12.188 12.031 11.857
13.580 13.373 13.144 12.894 12.621
14.094 13.806 13.500 13.176 12.837
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
262
ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
80 81 82 83 84
4.498 4.488 4.477 4.464 4.449
7.853 7.806 7.753 7.692 7.624
10.210 10.094 9.964 9.816 9.650
11.662 11.446 11.207 10.943 10.653
12.325 12.007 11.669 11.311 10.937
85 86 87 88 89
4.432 4.413 4.391 4.366 4.337
7.546 7.457 7.355 7.238 7.106
9.464 9.255 9.021 8.762 8.476
10.339 10.001 9.640 9.260 8.863
90 91 92 93 94
4.303 4.264 4.218 4.165 4.103
6.955 6.783 6.590 6.373 6.133
8.164 7.829 7.471 7.096 6.707
95 96 97 98 99
4.031 3.948 3.853 3.745 3.624
5.870 5.586 5.286 4.971 4.649
100 101 102 103 104
3.490 3.344 3.187 3.022 2.852
30
35
40
45
50
Term Age
80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
263
Interest Rate: 5.0% ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.480 4.488 4.492 4.494 4.495
7.880 7.899 7.907 7.909 7.909
10.461 10.486 10.493 10.493 10.488
12.408 12.433 12.437 12.431 12.418
13.861 13.882 13.879 13.864 13.839
14.927 14.941 14.927 14.898 14.858
15.685 15.686 15.657 15.611 15.551
16.193 16.177 16.128 16.058 15.974
16.491 16.453 16.380 16.285 16.173
16.621 16.563 16.469 16.356 16.227
55 56 57 58 59
60 61 62 63 64
4.495 4.494 4.493 4.492 4.490
7.906 7.902 7.896 7.890 7.882
10.479 10.468 10.454 10.438 10.420
12.400 12.377 12.352 12.323 12.290
13.808 13.771 13.729 13.682 13.630
14.810 14.754 14.691 14.620 14.542
15.481 15.400 15.310 15.209 15.097
15.875 15.765 15.642 15.507 15.359
16.047 15.909 15.760 15.600 15.430
65 66 67 68 69
4.488 4.486 4.484 4.481 4.478
7.874 7.864 7.854 7.842 7.829
10.401 10.378 10.354 10.327 10.297
12.254 12.214 12.169 12.120 12.067
13.572 13.507 13.436 13.357 13.270
14.455 14.358 14.251 14.133 14.003
14.974 14.838 14.689 14.526 14.350
15.200 15.028 14.844 14.649 14.443
70 71 72 73 74
4.475 4.471 4.468 4.463 4.459
7.815 7.799 7.782 7.763 7.743
10.265 10.229 10.189 10.145 10.097
12.007 11.941 11.868 11.788 11.699
13.174 13.067 12.949 12.818 12.674
13.860 13.702 13.529 13.340 13.135
14.159 13.954 13.735 13.503 13.259
75 76 77 78 79
4.454 4.448 4.441 4.434 4.427
7.720 7.694 7.666 7.635 7.599
10.043 9.983 9.916 9.842 9.758
11.599 11.488 11.365 11.227 11.073
12.514 12.337 12.142 11.928 11.694
12.912 12.673 12.418 12.147 11.862
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
264
ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
80 81 82 83 84
4.418 4.408 4.397 4.384 4.370
7.560 7.515 7.465 7.408 7.344
9.664 9.559 9.440 9.306 9.155
10.901 10.711 10.499 10.266 10.010
11.440 11.167 10.876 10.566 10.241
85 86 87 88 89
4.354 4.336 4.314 4.290 4.261
7.270 7.186 7.091 6.981 6.856
8.984 8.794 8.580 8.343 8.082
9.731 9.431 9.109 8.770 8.414
90 91 92 93 94
4.228 4.190 4.146 4.094 4.034
6.714 6.552 6.370 6.166 5.939
7.797 7.489 7.160 6.814 6.455
95 96 97 98 99
3.964 3.883 3.791 3.686 3.568
5.691 5.423 5.138 4.839 4.533
100 101 102 103 104
3.438 3.295 3.142 2.982 2.816
30
35
40
45
50
Term Age
80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
265
Interest Rate: 6.0% ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.401 4.409 4.413 4.415 4.415
7.587 7.605 7.612 7.614 7.614
9.893 9.915 9.923 9.923 9.918
11.552 11.575 11.579 11.574 11.563
12.733 12.753 12.752 12.739 12.718
13.559 13.573 13.564 13.541 13.508
14.120 14.125 14.104 14.068 14.021
14.478 14.471 14.436 14.384 14.319
14.679 14.657 14.606 14.536 14.453
14.762 14.728 14.663 14.582 14.488
55 56 57 58 59
60 61 62 63 64
4.415 4.415 4.414 4.412 4.411
7.611 7.607 7.602 7.596 7.589
9.910 9.900 9.887 9.873 9.857
11.547 11.527 11.505 11.479 11.450
12.692 12.661 12.625 12.585 12.540
13.469 13.423 13.370 13.312 13.247
13.965 13.901 13.828 13.747 13.658
14.243 14.158 14.063 13.958 13.843
14.359 14.255 14.142 14.021 13.891
65 66 67 68 69
4.409 4.407 4.405 4.402 4.399
7.581 7.572 7.562 7.551 7.539
9.839 9.819 9.796 9.772 9.745
11.418 11.383 11.344 11.300 11.253
12.490 12.435 12.374 12.306 12.231
13.175 13.095 13.006 12.908 12.800
13.559 13.450 13.330 13.199 13.057
13.719 13.584 13.440 13.286 13.123
70 71 72 73 74
4.396 4.393 4.389 4.385 4.380
7.526 7.511 7.495 7.477 7.458
9.715 9.682 9.646 9.605 9.561
11.200 11.142 11.077 11.006 10.927
12.149 12.057 11.956 11.844 11.721
12.681 12.550 12.407 12.250 12.079
12.903 12.737 12.560 12.371 12.171
75 76 77 78 79
4.375 4.370 4.364 4.357 4.349
7.436 7.412 7.385 7.356 7.322
9.512 9.458 9.397 9.329 9.252
10.839 10.741 10.632 10.510 10.374
11.583 11.432 11.265 11.081 10.880
11.893 11.693 11.479 11.252 11.011
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
266
ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
80 81 82 83 84
4.341 4.331 4.320 4.308 4.294
7.285 7.243 7.196 7.143 7.082
9.167 9.070 8.962 8.839 8.702
10.222 10.054 9.866 9.660 9.432
10.662 10.426 10.173 9.905 9.621
85 86 87 88 89
4.279 4.261 4.240 4.216 4.188
7.012 6.934 6.843 6.740 6.622
8.546 8.372 8.177 7.960 7.721
9.185 8.917 8.630 8.325 8.005
90 91 92 93 94
4.156 4.119 4.076 4.026 3.967
6.488 6.336 6.164 5.971 5.757
7.459 7.176 6.873 6.553 6.220
95 96 97 98 99
3.899 3.821 3.731 3.629 3.514
5.522 5.268 4.998 4.715 4.423
100 101 102 103 104
3.387 3.249 3.100 2.943 2.782
30
35
40
45
50
Term Age
80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
267
Interest Rate: 7.0% ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.324 4.333 4.337 4.338 4.339
7.312 7.329 7.336 7.338 7.338
9.375 9.396 9.403 9.404 9.399
10.791 10.813 10.817 10.813 10.803
11.753 11.772 11.772 11.762 11.744
12.395 12.410 12.403 12.385 12.358
12.811 12.819 12.804 12.776 12.739
13.064 13.064 13.039 13.000 12.950
13.200 13.190 13.154 13.103 13.041
13.254 13.235 13.191 13.132 13.063
55 56 57 58 59
60 61 62 63 64
4.339 4.338 4.337 4.336 4.334
7.335 7.331 7.327 7.321 7.314
9.392 9.383 9.371 9.358 9.343
10.789 10.772 10.752 10.729 10.704
11.722 11.695 11.664 11.630 11.591
12.326 12.287 12.244 12.195 12.141
12.694 12.642 12.584 12.518 12.446
12.891 12.824 12.750 12.668 12.577
12.970 12.890 12.804 12.710 12.610
65 66 67 68 69
4.333 4.331 4.328 4.326 4.323
7.307 7.298 7.289 7.279 7.267
9.327 9.308 9.288 9.265 9.241
10.675 10.644 10.609 10.571 10.528
11.548 11.501 11.448 11.390 11.326
12.081 12.014 11.940 11.858 11.768
12.366 12.278 12.181 12.075 11.959
12.479 12.373 12.259 12.136 12.006
70 71 72 73 74
4.320 4.317 4.313 4.309 4.305
7.255 7.241 7.225 7.209 7.190
9.213 9.183 9.150 9.113 9.073
10.481 10.430 10.373 10.309 10.239
11.255 11.176 11.089 10.993 10.887
11.669 11.560 11.440 11.308 11.166
11.834 11.699 11.554 11.399 11.235
75 76 77 78 79
4.300 4.294 4.288 4.282 4.274
7.170 7.147 7.122 7.094 7.063
9.028 8.978 8.923 8.860 8.791
10.161 10.075 9.978 9.870 9.749
10.768 10.638 10.494 10.336 10.162
11.010 10.842 10.661 10.469 10.264
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
268
ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
80 81 82 83 84
4.266 4.257 4.246 4.235 4.221
7.028 6.988 6.944 6.893 6.836
8.712 8.624 8.525 8.413 8.287
9.615 9.465 9.298 9.115 8.912
9.973 9.769 9.550 9.315 9.067
85 86 87 88 89
4.206 4.188 4.168 4.145 4.118
6.771 6.696 6.611 6.514 6.403
8.145 7.985 7.807 7.608 7.388
8.691 8.452 8.195 7.921 7.632
90 91 92 93 94
4.087 4.051 4.009 3.960 3.903
6.276 6.133 5.970 5.788 5.586
7.147 6.886 6.607 6.311 6.002
95 96 97 98 99
3.837 3.761 3.673 3.574 3.462
5.363 5.122 4.866 4.597 4.319
100 101 102 103 104
3.339 3.204 3.059 2.906 2.748
30
35
40
45
50
Term Age
80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
269
Interest Rate: 8.0% ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.251 4.259 4.263 4.265 4.265
7.054 7.070 7.077 7.079 7.079
8.902 8.922 8.929 8.929 8.926
10.113 10.133 10.138 10.135 10.126
10.898 10.917 10.917 10.909 10.894
11.398 11.413 11.409 11.394 11.373
11.707 11.718 11.707 11.685 11.656
11.887 11.892 11.874 11.844 11.806
11.980 11.977 11.952 11.914 11.868
12.015 12.007 11.976 11.934 11.882
55 56 57 58 59
60 61 62 63 64
4.265 4.264 4.263 4.262 4.261
7.077 7.073 7.069 7.063 7.057
8.919 8.910 8.900 8.888 8.874
10.114 10.098 10.081 10.060 10.038
10.875 10.852 10.825 10.796 10.762
11.346 11.314 11.277 11.236 11.191
11.620 11.578 11.530 11.477 11.418
11.760 11.707 11.648 11.583 11.511
11.813 11.752 11.685 11.612 11.534
65 66 67 68 69
4.259 4.257 4.255 4.253 4.250
7.050 7.042 7.033 7.023 7.012
8.859 8.842 8.824 8.803 8.780
10.012 9.984 9.953 9.919 9.881
10.725 10.684 10.639 10.588 10.533
11.140 11.084 11.022 10.954 10.878
11.352 11.280 11.201 11.115 11.020
11.433 11.349 11.257 11.159 11.054
70 71 72 73 74
4.247 4.244 4.240 4.236 4.232
7.001 6.987 6.973 6.957 6.940
8.755 8.728 8.697 8.664 8.627
9.840 9.794 9.743 9.687 9.625
10.471 10.403 10.328 10.245 10.153
10.795 10.703 10.602 10.491 10.371
10.917 10.806 10.687 10.559 10.423
75 76 77 78 79
4.227 4.222 4.216 4.210 4.202
6.921 6.899 6.876 6.849 6.820
8.586 8.540 8.489 8.432 8.368
9.555 9.478 9.392 9.296 9.188
10.051 9.938 9.814 9.677 9.526
10.240 10.098 9.945 9.781 9.607
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
270
ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
80 81 82 83 84
4.194 4.185 4.175 4.164 4.151
6.787 6.749 6.707 6.660 6.606
8.296 8.216 8.125 8.022 7.907
9.069 8.935 8.787 8.623 8.443
9.362 9.185 8.993 8.788 8.570
85 86 87 88 89
4.136 4.119 4.099 4.077 4.050
6.544 6.474 6.393 6.302 6.197
7.776 7.630 7.466 7.283 7.081
8.245 8.030 7.799 7.552 7.291
90 91 92 93 94
4.020 3.985 3.944 3.896 3.841
6.077 5.941 5.788 5.615 5.424
6.860 6.619 6.360 6.086 5.799
95 96 97 98 99
3.777 3.702 3.618 3.521 3.412
5.213 4.985 4.741 4.485 4.221
100 101 102 103 104
3.292 3.160 3.019 2.870 2.716
30
35
40
45
50
Term Age
80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
271
Interest Rate: 9.0% ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.180 4.188 4.192 4.193 4.194
6.812 6.828 6.835 6.837 6.836
8.469 8.488 8.495 8.496 8.492
9.506 9.526 9.531 9.528 9.520
10.148 10.166 10.168 10.161 10.149
10.539 10.554 10.552 10.540 10.522
10.770 10.781 10.774 10.758 10.734
10.898 10.905 10.893 10.871 10.841
10.961 10.964 10.947 10.919 10.883
10.984 10.983 10.962 10.931 10.892
55 56 57 58 59
60 61 62 63 64
4.194 4.193 4.192 4.191 4.190
6.834 6.831 6.826 6.821 6.815
8.486 8.478 8.469 8.458 8.445
9.510 9.496 9.480 9.462 9.442
10.132 10.112 10.089 10.063 10.034
10.500 10.473 10.442 10.408 10.369
10.704 10.670 10.631 10.587 10.539
10.804 10.762 10.715 10.663 10.606
10.841 10.793 10.740 10.683 10.621
65 66 67 68 69
4.188 4.186 4.184 4.182 4.179
6.809 6.801 6.793 6.784 6.773
8.432 8.416 8.399 8.380 8.359
9.419 9.394 9.367 9.336 9.302
10.002 9.967 9.927 9.883 9.835
10.327 10.279 10.227 10.169 10.105
10.485 10.426 10.361 10.289 10.211
10.543 10.475 10.401 10.321 10.236
70 71 72 73 74
4.176 4.173 4.170 4.166 4.162
6.762 6.750 6.736 6.721 6.705
8.336 8.311 8.283 8.252 8.218
9.265 9.224 9.179 9.128 9.073
9.782 9.723 9.658 9.585 9.506
10.035 9.957 9.872 9.778 9.676
10.127 10.035 9.935 9.829 9.715
75 76 77 78 79
4.157 4.152 4.146 4.140 4.133
6.687 6.667 6.644 6.619 6.591
8.180 8.138 8.091 8.039 7.981
9.011 8.942 8.865 8.780 8.684
9.417 9.319 9.211 9.092 8.961
9.565 9.444 9.314 9.174 9.024
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
272
ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
80 81 82 83 84
4.125 4.116 4.106 4.095 4.082
6.560 6.525 6.485 6.440 6.389
7.915 7.841 7.757 7.663 7.557
8.577 8.458 8.326 8.179 8.017
8.818 8.663 8.495 8.314 8.122
85 86 87 88 89
4.068 4.051 4.032 4.010 3.985
6.331 6.265 6.189 6.102 6.003
7.437 7.303 7.152 6.984 6.798
7.840 7.647 7.439 7.215 6.978
90 91 92 93 94
3.956 3.921 3.882 3.835 3.781
5.890 5.761 5.616 5.453 5.271
6.594 6.371 6.132 5.877 5.609
95 96 97 98 99
3.719 3.646 3.564 3.470 3.364
5.072 4.855 4.623 4.379 4.127
100 101 102 103 104
3.246 3.118 2.980 2.835 2.685
30
35
40
45
50
Term Age
80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
273
Interest Rate: 10.0% ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
30
35
40
45
50
Term Age
55 56 57 58 59
4.112 4.120 4.123 4.125 4.125
6.585 6.600 6.607 6.609 6.608
8.073 8.091 8.098 8.098 8.095
8.962 8.981 8.986 8.984 8.977
9.489 9.506 9.508 9.503 9.492
9.795 9.810 9.809 9.800 9.785
9.967 9.980 9.975 9.962 9.943
10.059 10.068 10.060 10.043 10.019
10.102 10.108 10.097 10.076 10.048
10.117 10.121 10.107 10.084 10.054
55 56 57 58 59
60 61 62 63 64
4.125 4.125 4.124 4.122 4.121
6.606 6.603 6.599 6.594 6.589
8.090 8.083 8.074 8.064 8.052
8.967 8.955 8.941 8.925 8.907
9.478 9.460 9.440 9.418 9.393
9.766 9.743 9.717 9.688 9.655
9.919 9.890 9.858 9.822 9.782
9.990 9.956 9.918 9.876 9.830
10.015 9.977 9.936 9.890 9.840
65 66 67 68 69
4.120 4.118 4.116 4.113 4.111
6.582 6.575 6.567 6.559 6.549
8.039 8.025 8.009 7.992 7.973
8.887 8.864 8.840 8.812 8.782
9.365 9.334 9.299 9.261 9.219
9.619 9.578 9.534 9.485 9.430
9.737 9.688 9.634 9.575 9.510
9.779 9.723 9.663 9.598 9.527
70 71 72 73 74
4.108 4.105 4.102 4.098 4.094
6.538 6.527 6.514 6.500 6.484
7.952 7.928 7.903 7.874 7.843
8.749 8.712 8.671 8.626 8.577
9.172 9.121 9.064 9.001 8.932
9.371 9.305 9.232 9.152 9.066
9.440 9.363 9.280 9.190 9.095
75 76 77 78 79
4.089 4.084 4.079 4.073 4.066
6.467 6.448 6.427 6.403 6.377
7.808 7.770 7.727 7.679 7.625
8.521 8.460 8.391 8.314 8.229
8.855 8.769 8.675 8.571 8.456
8.971 8.867 8.756 8.635 8.506
60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79
274
ANNUITY FUNCTIONS ANNUITANT LIVES - FEMALE ax:n
Term Age
5
10
15
20
25
80 81 82 83 84
4.058 4.050 4.040 4.029 4.017
6.347 6.314 6.276 6.234 6.186
7.564 7.496 7.419 7.333 7.235
8.133 8.026 7.908 7.776 7.631
8.331 8.195 8.047 7.888 7.717
85 86 87 88 89
4.003 3.987 3.968 3.947 3.922
6.131 6.068 5.996 5.914 5.820
7.125 7.002 6.863 6.708 6.536
7.472 7.298 7.109 6.907 6.692
90 91 92 93 94
3.893 3.860 3.821 3.776 3.724
5.713 5.592 5.454 5.300 5.127
6.347 6.141 5.919 5.682 5.432
95 96 97 98 99
3.663 3.592 3.512 3.420 3.317
4.938 4.732 4.511 4.279 4.038
100 101 102 103 104
3.202 3.077 2.943 2.801 2.655
30
35
40
45
50
Term Age
80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104
275
Interest Rate:
0.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
37.249 36.385 35.518 34.652 33.785
0.99726 0.99725 0.99724 0.99723 0.99722
0.02677 0.02741 0.02808 0.02878 0.02952
55 56 57 58 59
60 61 62 63 64
32.920 32.056 31.192 30.330 29.469
0.99721 0.99720 0.99718 0.99717 0.99716
0.03029 0.03111 0.03197 0.03288 0.03384
60 61 62 63 64
65 66 67 68 69
28.610 27.752 26.896 26.042 25.192
0.99714 0.99713 0.99711 0.99710 0.99708
0.03485 0.03593 0.03707 0.03829 0.03958
65 66 67 68 69
70 71 72 73 74
24.344 23.500 22.659 21.823 20.991
0.99706 0.99704 0.99702 0.99700 0.99697
0.04096 0.04243 0.04400 0.04569 0.04749
70 71 72 73 74
75 76 77 78 79
20.165 19.344 18.529 17.721 16.919
0.99695 0.99692 0.99689 0.99685 0.99682
0.04944 0.05154 0.05380 0.05625 0.05892
75 76 77 78 79
80 81 82 83 84
16.126 15.342 14.566 13.802 13.048
0.99677 0.99673 0.99668 0.99662 0.99655
0.06181 0.06497 0.06842 0.07221 0.07637
80 81 82 83 84
276
Interest Rate:
0.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
12.307 11.580 10.868 10.172 9.495
0.99648 0.99640 0.99630 0.99618 0.99605
0.08097 0.08604 0.09167 0.09793 0.10491
85 86 87 88 89
90 91 92 93 94
8.837 8.201 7.588 7.001 6.442
0.99589 0.99570 0.99547 0.99518 0.99483
0.11270 0.12141 0.13118 0.14214 0.15444
90 91 92 93 94
95 96 97 98 99
5.911 5.412 4.944 4.510 4.110
0.99438 0.99381 0.99306 0.99207 0.99071
0.16822 0.18364 0.20085 0.21996 0.24106
95 96 97 98 99
100 101 102 103 104
3.743 3.408 3.104 2.826 2.571
0.98882 0.98611 0.98210 0.97595 0.96615
0.26419 0.28934 0.31642 0.34529 0.37573
100 101 102 103 104
105 106 107 108 109
2.333 2.096 1.839 1.512 1.000
0.94973 0.92097 0.86745 0.76110 0.53314
0.40702 0.43933 0.47177 0.50346 0.53314
105 106 107 108 109
277
Interest Rate:
1.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
30.809 30.220 29.623 29.021 28.414
0.69338 0.69919 0.70507 0.71101 0.71700
0.02251 0.02314 0.02380 0.02450 0.02523
55 56 57 58 59
60 61 62 63 64
27.802 27.185 26.563 25.936 25.305
0.72304 0.72912 0.73525 0.74143 0.74765
0.02601 0.02682 0.02768 0.02859 0.02955
60 61 62 63 64
65 66 67 68 69
24.669 24.029 23.385 22.736 22.085
0.75392 0.76023 0.76658 0.77297 0.77940
0.03056 0.03164 0.03278 0.03400 0.03529
65 66 67 68 69
70 71 72 73 74
21.429 20.771 20.111 19.448 18.783
0.78585 0.79233 0.79884 0.80537 0.81191
0.03667 0.03815 0.03972 0.04141 0.04323
70 71 72 73 74
75 76 77 78 79
18.117 17.449 16.781 16.114 15.446
0.81847 0.82504 0.83161 0.83817 0.84473
0.04518 0.04728 0.04956 0.05202 0.05469
75 76 77 78 79
80 81 82 83 84
14.780 14.116 13.455 12.798 12.145
0.85127 0.85778 0.86427 0.87071 0.87709
0.05760 0.06077 0.06423 0.06804 0.07222
80 81 82 83 84
278
Interest Rate:
1.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
11.499 10.859 10.229 9.609 9.000
0.88341 0.88964 0.89578 0.90180 0.90768
0.07683 0.08192 0.08757 0.09385 0.10085
85 86 87 88 89
90 91 92 93 94
8.406 7.827 7.267 6.726 6.208
0.91340 0.91894 0.92426 0.92934 0.93413
0.10866 0.11740 0.12719 0.13817 0.15048
90 91 92 93 94
95 96 97 98 99
5.714 5.246 4.806 4.396 4.016
0.93859 0.94268 0.94632 0.94944 0.95192
0.16427 0.17970 0.19689 0.21598 0.23705
95 96 97 98 99
100 101 102 103 104
3.666 3.345 3.053 2.786 2.540
0.95359 0.95418 0.95324 0.94999 0.94296
0.26013 0.28521 0.31221 0.34097 0.37129
100 101 102 103 104
105 106 107 108 109
2.309 2.079 1.828 1.507 1.000
0.92931 0.90347 0.85326 0.75089 0.52786
0.40243 0.43458 0.46687 0.49838 0.52786
105 106 107 108 109
279
Interest Rate:
2.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
25.921 25.514 25.099 24.676 24.245
0.49083 0.49878 0.50690 0.51517 0.52359
0.01894 0.01955 0.02020 0.02088 0.02160
55 56 57 58 59
60 61 62 63 64
23.808 23.363 22.910 22.451 21.983
0.53215 0.54085 0.54969 0.55868 0.56781
0.02235 0.02315 0.02399 0.02488 0.02583
60 61 62 63 64
65 66 67 68 69
21.509 21.027 20.537 20.040 19.537
0.57709 0.58651 0.59608 0.60579 0.61562
0.02683 0.02789 0.02902 0.03023 0.03151
65 66 67 68 69
70 71 72 73 74
19.027 18.510 17.987 17.458 16.922
0.62560 0.63569 0.64591 0.65625 0.66670
0.03288 0.03434 0.03591 0.03759 0.03940
70 71 72 73 74
75 76 77 78 79
16.382 15.836 15.285 14.730 14.172
0.67726 0.68792 0.69867 0.70950 0.72040
0.04134 0.04344 0.04571 0.04817 0.05083
75 76 77 78 79
80 81 82 83 84
13.610 13.045 12.478 11.911 11.343
0.73137 0.74238 0.75342 0.76447 0.77552
0.05374 0.05691 0.06038 0.06418 0.06837
80 81 82 83 84
280
Interest Rate:
2.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
10.777 10.213 9.653 9.099 8.551
0.78654 0.79750 0.80837 0.81913 0.82973
0.07298 0.07808 0.08374 0.09003 0.09703
85 86 87 88 89
90 91 92 93 94
8.012 7.485 6.970 6.471 5.990
0.84013 0.85029 0.86015 0.86967 0.87878
0.10486 0.11360 0.12340 0.13439 0.14670
90 91 92 93 94
95 96 97 98 99
5.529 5.091 4.676 4.288 3.926
0.88741 0.89549 0.90295 0.90967 0.91554
0.16049 0.17591 0.19309 0.21215 0.23318
95 96 97 98 99
100 101 102 103 104
3.592 3.286 3.005 2.747 2.509
0.92039 0.92396 0.92581 0.92520 0.92074
0.25620 0.28121 0.30811 0.33676 0.36695
100 101 102 103 104
105 106 107 108 109
2.286 2.062 1.817 1.502 1.000
0.90965 0.88656 0.83948 0.74093 0.52268
0.39795 0.42994 0.46206 0.49340 0.52268
105 106 107 108 109
281
Interest Rate:
3.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
22.155 21.871 21.578 21.278 20.969
0.35418 0.36242 0.37093 0.37967 0.38864
0.01599 0.01657 0.01719 0.01784 0.01853
55 56 57 58 59
60 61 62 63 64
20.652 20.328 19.995 19.655 19.305
0.39784 0.40726 0.41693 0.42683 0.43697
0.01926 0.02003 0.02085 0.02172 0.02263
60 61 62 63 64
65 66 67 68 69
18.948 18.581 18.206 17.823 17.431
0.44737 0.45802 0.46891 0.48006 0.49145
0.02361 0.02465 0.02576 0.02694 0.02819
65 66 67 68 69
70 71 72 73 74
17.030 16.621 16.204 15.778 15.345
0.50308 0.51496 0.52708 0.53943 0.55202
0.02954 0.03098 0.03253 0.03419 0.03597
70 71 72 73 74
75 76 77 78 79
14.903 14.454 13.998 13.534 13.063
0.56484 0.57788 0.59113 0.60459 0.61824
0.03790 0.03998 0.04223 0.04467 0.04733
75 76 77 78 79
80 81 82 83 84
12.587 12.104 11.617 11.125 10.629
0.63207 0.64606 0.66020 0.67446 0.68881
0.05022 0.05338 0.05683 0.06063 0.06480
80 81 82 83 84
282
Interest Rate:
3.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
10.131 9.632 9.133 8.635 8.141
0.70323 0.71767 0.73211 0.74649 0.76076
0.06941 0.07451 0.08016 0.08644 0.09345
85 86 87 88 89
90 91 92 93 94
7.652 7.169 6.696 6.235 5.788
0.77486 0.78873 0.80230 0.81548 0.82820
0.10127 0.11001 0.11981 0.13079 0.14310
90 91 92 93 94
95 96 97 98 99
5.357 4.945 4.554 4.186 3.842
0.84037 0.85188 0.86264 0.87253 0.88140
0.15688 0.17228 0.18943 0.20846 0.22943
95 96 97 98 99
100 101 102 103 104
3.523 3.229 2.958 2.710 2.480
0.88908 0.89532 0.89970 0.90151 0.89942
0.25239 0.27732 0.30412 0.33265 0.36271
100 101 102 103 104
105 106 107 108 109
2.263 2.046 1.806 1.497 1.000
0.89072 0.87020 0.82609 0.73121 0.51761
0.39356 0.42540 0.45735 0.48851 0.51761
105 106 107 108 109
283
Interest Rate:
4.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
19.211 19.010 18.801 18.585 18.361
0.26080 0.26851 0.27652 0.28483 0.29343
0.01358 0.01412 0.01471 0.01533 0.01598
55 56 57 58 59
60 61 62 63 64
18.130 17.890 17.643 17.388 17.125
0.30231 0.31149 0.32098 0.33077 0.34089
0.01668 0.01741 0.01819 0.01902 0.01991
60 61 62 63 64
65 66 67 68 69
16.852 16.571 16.281 15.983 15.675
0.35134 0.36213 0.37326 0.38473 0.39654
0.02085 0.02185 0.02293 0.02407 0.02530
65 66 67 68 69
70 71 72 73 74
15.358 15.032 14.696 14.352 13.998
0.40871 0.42122 0.43408 0.44730 0.46087
0.02661 0.02802 0.02954 0.03117 0.03292
70 71 72 73 74
75 76 77 78 79
13.636 13.264 12.883 12.493 12.095
0.47478 0.48905 0.50365 0.51859 0.53385
0.03482 0.03687 0.03909 0.04151 0.04414
75 76 77 78 79
80 81 82 83 84
11.689 11.275 10.853 10.425 9.991
0.54943 0.56531 0.58146 0.59786 0.61449
0.04700 0.05014 0.05357 0.05735 0.06151
80 81 82 83 84
284
Interest Rate:
4.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
9.552 9.108 8.662 8.214 7.766
0.63131 0.64828 0.66535 0.68246 0.69956
0.06610 0.07118 0.07681 0.08308 0.09007
85 86 87 88 89
90 91 92 93 94
7.321 6.879 6.443 6.015 5.599
0.71656 0.73339 0.74996 0.76617 0.78190
0.09788 0.10662 0.11640 0.12737 0.13966
90 91 92 93 94
95 96 97 98 99
5.195 4.808 4.438 4.089 3.761
0.79706 0.81151 0.82513 0.83778 0.84931
0.15342 0.16879 0.18591 0.20489 0.22581
95 96 97 98 99
100 101 102 103 104
3.456 3.174 2.914 2.674 2.451
0.85952 0.86817 0.87485 0.87887 0.87896
0.24870 0.27353 0.30023 0.32864 0.35857
100 101 102 103 104
105 106 107 108 109
2.241 2.030 1.796 1.492 1.000
0.87248 0.85438 0.81309 0.72173 0.51263
0.38927 0.42095 0.45274 0.48372 0.51263
105 106 107 108 109
285
Interest Rate:
5.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
16.877 16.733 16.582 16.425 16.260
0.19615 0.20298 0.21016 0.21766 0.22548
0.01162 0.01213 0.01267 0.01325 0.01387
55 56 57 58 59
60 61 62 63 64
16.089 15.911 15.725 15.532 15.331
0.23362 0.24209 0.25091 0.26009 0.26965
0.01452 0.01522 0.01596 0.01675 0.01759
60 61 62 63 64
65 66 67 68 69
15.122 14.904 14.678 14.443 14.199
0.27959 0.28994 0.30069 0.31185 0.32344
0.01849 0.01945 0.02049 0.02159 0.02278
65 66 67 68 69
70 71 72 73 74
13.947 13.685 13.413 13.133 12.842
0.33546 0.34791 0.36080 0.37414 0.38794
0.02405 0.02542 0.02690 0.02849 0.03021
70 71 72 73 74
75 76 77 78 79
12.542 12.233 11.913 11.584 11.246
0.40220 0.41691 0.43208 0.44771 0.46380
0.03207 0.03408 0.03627 0.03865 0.04124
75 76 77 78 79
80 81 82 83 84
10.898 10.540 10.174 9.800 9.418
0.48032 0.49728 0.51465 0.53242 0.55055
0.04408 0.04718 0.05058 0.05433 0.05846
80 81 82 83 84
286
Interest Rate:
5.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
9.029 8.634 8.234 7.830 7.423
0.56900 0.58774 0.60671 0.62585 0.64509
0.06302 0.06807 0.07369 0.07993 0.08690
85 86 87 88 89
90 91 92 93 94
7.016 6.610 6.208 5.811 5.422
0.66435 0.68352 0.70250 0.72118 0.73943
0.09469 0.10340 0.11316 0.12411 0.13637
90 91 92 93 94
95 96 97 98 99
5.044 4.679 4.329 3.997 3.685
0.75711 0.77407 0.79017 0.80524 0.81911
0.15010 0.16544 0.18252 0.20145 0.22230
95 96 97 98 99
100 101 102 103 104
3.393 3.122 2.871 2.640 2.424
0.83158 0.84240 0.85116 0.85721 0.85932
0.24511 0.26986 0.29644 0.32473 0.35452
100 101 102 103 104
105 106 107 108 109
2.220 2.014 1.786 1.487 1.000
0.85490 0.83907 0.80046 0.71248 0.50775
0.38507 0.41659 0.44821 0.47903 0.50775
105 106 107 108 109
287
Interest Rate:
6.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
15.001 14.897 14.786 14.670 14.548
0.15076 0.15666 0.16291 0.16948 0.17639
0.01005 0.01052 0.01102 0.01155 0.01213
55 56 57 58 59
60 61 62 63 64
14.420 14.285 14.144 13.997 13.842
0.18364 0.19124 0.19920 0.20755 0.21630
0.01274 0.01339 0.01408 0.01483 0.01563
60 61 62 63 64
65 66 67 68 69
13.680 13.510 13.332 13.145 12.951
0.22548 0.23509 0.24515 0.25567 0.26667
0.01648 0.01740 0.01839 0.01945 0.02059
65 66 67 68 69
70 71 72 73 74
12.747 12.535 12.314 12.084 11.844
0.27816 0.29014 0.30264 0.31566 0.32922
0.02182 0.02315 0.02458 0.02612 0.02780
70 71 72 73 74
75 76 77 78 79
11.594 11.335 11.065 10.786 10.496
0.34333 0.35799 0.37320 0.38899 0.40534
0.02961 0.03158 0.03373 0.03606 0.03862
75 76 77 78 79
80 81 82 83 84
10.197 9.888 9.569 9.240 8.903
0.42225 0.43972 0.45773 0.47627 0.49531
0.04141 0.04447 0.04784 0.05154 0.05564
80 81 82 83 84
288
Interest Rate:
6.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
8.557 8.204 7.844 7.478 7.108
0.51482 0.53475 0.55505 0.57565 0.59649
0.06016 0.06518 0.07076 0.07698 0.08392
85 86 87 88 89
90 91 92 93 94
6.736 6.362 5.990 5.620 5.257
0.61746 0.63847 0.65938 0.68007 0.70040
0.09167 0.10036 0.11009 0.12100 0.13323
90 91 92 93 94
95 96 97 98 99
4.902 4.557 4.226 3.910 3.612
0.72020 0.73930 0.75753 0.77472 0.79066
0.14693 0.16222 0.17925 0.19812 0.21891
95 96 97 98 99
100 101 102 103 104
3.332 3.072 2.830 2.607 2.397
0.80515 0.81791 0.82857 0.83647 0.84043
0.24163 0.26628 0.29275 0.32091 0.35056
100 101 102 103 104
105 106 107 108 109
2.200 1.999 1.776 1.483 1.000
0.83794 0.82425 0.78818 0.70345 0.50296
0.38096 0.41232 0.44378 0.47442 0.50296
105 106 107 108 109
289
Interest Rate:
7.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
13.474 13.398 13.316 13.229 13.137
0.11843 0.12344 0.12881 0.13449 0.14051
0.00879 0.00921 0.00967 0.01017 0.01070
55 56 57 58 59
60 61 62 63 64
13.040 12.937 12.829 12.715 12.594
0.14685 0.15355 0.16062 0.16808 0.17596
0.01126 0.01187 0.01252 0.01322 0.01397
60 61 62 63 64
65 66 67 68 69
12.467 12.333 12.191 12.043 11.886
0.18427 0.19303 0.20227 0.21200 0.22224
0.01478 0.01565 0.01659 0.01760 0.01870
65 66 67 68 69
70 71 72 73 74
11.721 11.548 11.367 11.176 10.977
0.23299 0.24430 0.25616 0.26860 0.28164
0.01988 0.02115 0.02254 0.02403 0.02566
70 71 72 73 74
75 76 77 78 79
10.768 10.549 10.320 10.082 9.833
0.29529 0.30957 0.32450 0.34008 0.35631
0.02742 0.02935 0.03144 0.03373 0.03624
75 76 77 78 79
80 81 82 83 84
9.574 9.305 9.026 8.737 8.438
0.37322 0.39079 0.40903 0.42791 0.44742
0.03898 0.04200 0.04532 0.04898 0.05303
80 81 82 83 84
290
Interest Rate:
7.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
8.129 7.812 7.487 7.156 6.818
0.46753 0.48820 0.50938 0.53101 0.55300
0.05751 0.06249 0.06803 0.07421 0.08111
85 86 87 88 89
90 91 92 93 94
6.476 6.132 5.786 5.442 5.102
0.57526 0.59767 0.62011 0.64243 0.66446
0.08883 0.09747 0.10717 0.11804 0.13023
90 91 92 93 94
95 96 97 98 99
4.768 4.443 4.129 3.828 3.543
0.68603 0.70696 0.72703 0.74606 0.76383
0.14388 0.15913 0.17610 0.19491 0.21562
95 96 97 98 99
100 101 102 103 104
3.274 3.024 2.791 2.575 2.372
0.78011 0.79463 0.80700 0.81660 0.82228
0.23826 0.26280 0.28916 0.31719 0.34669
100 101 102 103 104
105 106 107 108 109
2.180 1.984 1.766 1.478 1.000
0.82157 0.80989 0.77624 0.69462 0.49826
0.37694 0.40814 0.43943 0.46990 0.49826
105 106 107 108 109
291
Interest Rate:
8.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
12.216 12.159 12.097 12.031 11.961
0.09504 0.09929 0.10386 0.10874 0.11393
0.00778 0.00817 0.00859 0.00904 0.00952
55 56 57 58 59
60 61 62 63 64
11.887 11.808 11.724 11.634 11.540
0.11944 0.12530 0.13151 0.13812 0.14513
0.01005 0.01061 0.01122 0.01187 0.01258
60 61 62 63 64
65 66 67 68 69
11.439 11.332 11.219 11.099 10.972
0.15258 0.16049 0.16887 0.17776 0.18717
0.01334 0.01416 0.01505 0.01602 0.01706
65 66 67 68 69
70 71 72 73 74
10.837 10.695 10.545 10.386 10.219
0.19712 0.20764 0.21875 0.23047 0.24283
0.01819 0.01941 0.02074 0.02219 0.02376
70 71 72 73 74
75 76 77 78 79
10.043 9.858 9.663 9.458 9.244
0.25586 0.26957 0.28398 0.29912 0.31500
0.02548 0.02735 0.02939 0.03163 0.03408
75 76 77 78 79
80 81 82 83 84
9.019 8.783 8.538 8.282 8.016
0.33163 0.34902 0.36717 0.38609 0.40574
0.03677 0.03974 0.04300 0.04662 0.05062
80 81 82 83 84
292
Interest Rate:
8.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
7.740 7.455 7.161 6.859 6.551
0.42612 0.44719 0.46890 0.49119 0.51398
0.05505 0.05998 0.06548 0.07161 0.07846
85 86 87 88 89
90 91 92 93 94
6.236 5.918 5.597 5.276 4.957
0.53717 0.56065 0.58427 0.60788 0.63131
0.08614 0.09474 0.10439 0.11522 0.12736
90 91 92 93 94
95 96 97 98 99
4.642 4.334 4.036 3.749 3.476
0.65436 0.67682 0.69848 0.71912 0.73850
0.14096 0.15615 0.17306 0.19180 0.21243
95 96 97 98 99
100 101 102 103 104
3.219 2.978 2.753 2.544 2.347
0.75638 0.77248 0.78640 0.79755 0.80481
0.23497 0.25941 0.28565 0.31355 0.34291
100 101 102 103 104
105 106 107 108 109
2.160 1.970 1.757 1.474 1.000
0.80577 0.79598 0.76462 0.68601 0.49364
0.37300 0.40404 0.43516 0.46546 0.49364
105 106 107 108 109
293
Interest Rate:
9.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
11.168 11.124 11.077 11.027 10.972
0.07787 0.08145 0.08534 0.08952 0.09399
0.00697 0.00732 0.00770 0.00812 0.00857
55 56 57 58 59
60 61 62 63 64
10.914 10.853 10.787 10.716 10.641
0.09877 0.10386 0.10931 0.11512 0.12133
0.00905 0.00957 0.01013 0.01074 0.01140
60 61 62 63 64
65 66 67 68 69
10.561 10.475 10.383 10.285 10.181
0.12797 0.13506 0.14262 0.15068 0.15926
0.01212 0.01289 0.01374 0.01465 0.01564
65 66 67 68 69
70 71 72 73 74
10.071 9.953 9.828 9.695 9.554
0.16840 0.17811 0.18842 0.19937 0.21098
0.01672 0.01790 0.01917 0.02056 0.02208
70 71 72 73 74
75 76 77 78 79
9.405 9.247 9.080 8.903 8.717
0.22329 0.23632 0.25010 0.26465 0.28001
0.02374 0.02556 0.02754 0.02972 0.03212
75 76 77 78 79
80 81 82 83 84
8.521 8.315 8.098 7.871 7.634
0.29619 0.31320 0.33106 0.34978 0.36934
0.03476 0.03767 0.04088 0.04444 0.04838
80 81 82 83 84
294
Interest Rate:
9.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
7.386 7.129 6.862 6.587 6.304
0.38974 0.41094 0.43290 0.45558 0.47888
0.05277 0.05765 0.06309 0.06917 0.07597
85 86 87 88 89
90 91 92 93 94
6.014 5.719 5.420 5.120 4.820
0.50272 0.52697 0.55149 0.57613 0.60068
0.08359 0.09215 0.10175 0.11252 0.12461
90 91 92 93 94
95 96 97 98 99
4.524 4.232 3.948 3.675 3.413
0.62495 0.64871 0.67173 0.69376 0.71456
0.13816 0.15329 0.17013 0.18879 0.20934
95 96 97 98 99
100 101 102 103 104
3.166 2.934 2.717 2.514 2.323
0.73386 0.75137 0.76671 0.77928 0.78800
0.23179 0.25611 0.28223 0.30999 0.33921
100 101 102 103 104
105 106 107 108 109
2.141 1.956 1.748 1.469 1.000
0.79051 0.78250 0.75332 0.67759 0.48912
0.36914 0.40002 0.43097 0.46111 0.48912
105 106 107 108 109
295
Interest Rate:
10.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
10.284 10.251 10.214 10.175 10.133
0.06506 0.06809 0.07140 0.07498 0.07884
0.00633 0.00664 0.00699 0.00737 0.00778
55 56 57 58 59
60 61 62 63 64
10.087 10.038 9.986 9.930 9.869
0.08297 0.08741 0.09217 0.09728 0.10277
0.00823 0.00871 0.00923 0.00980 0.01041
60 61 62 63 64
65 66 67 68 69
9.804 9.734 9.660 9.579 9.494
0.10867 0.11501 0.12180 0.12908 0.13688
0.01108 0.01181 0.01261 0.01348 0.01442
65 66 67 68 69
70 71 72 73 74
9.402 9.304 9.199 9.087 8.967
0.14522 0.15414 0.16367 0.17383 0.18468
0.01545 0.01657 0.01779 0.01913 0.02059
70 71 72 73 74
75 76 77 78 79
8.840 8.705 8.561 8.408 8.246
0.19623 0.20853 0.22161 0.23550 0.25024
0.02220 0.02396 0.02589 0.02801 0.03035
75 76 77 78 79
80 81 82 83 84
8.074 7.892 7.700 7.498 7.285
0.26585 0.28235 0.29978 0.31814 0.33743
0.03293 0.03578 0.03893 0.04243 0.04632
80 81 82 83 84
296
Interest Rate:
10.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - MALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
7.062 6.829 6.587 6.335 6.075
0.35766 0.37879 0.40080 0.42364 0.44723
0.05064 0.05547 0.06085 0.06687 0.07362
85 86 87 88 89
90 91 92 93 94
5.807 5.533 5.255 4.974 4.692
0.47148 0.49627 0.52146 0.54688 0.57234
0.08119 0.08969 0.09923 0.10995 0.12198
90 91 92 93 94
95 96 97 98 99
4.412 4.135 3.865 3.604 3.353
0.59761 0.62245 0.64663 0.66986 0.69190
0.13546 0.15053 0.16730 0.18588 0.20634
95 96 97 98 99
100 101 102 103 104
3.115 2.891 2.682 2.485 2.300
0.71247 0.73125 0.74787 0.76174 0.77181
0.22869 0.25290 0.27889 0.30652 0.33558
100 101 102 103 104
105 106 107 108 109
2.123 1.943 1.739 1.465 1.000
0.77576 0.76942 0.74233 0.66936 0.48467
0.36536 0.39607 0.42687 0.45684 0.48467
105 106 107 108 109
297
Interest Rate:
0.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
37.545 36.876 36.139 35.369 34.581
0.98396 0.98382 0.98370 0.98359 0.98349
0.02621 0.02668 0.02722 0.02781 0.02844
55 56 57 58 59
60 61 62 63 64
33.782 32.976 32.167 31.356 30.544
0.98339 0.98329 0.98319 0.98309 0.98299
0.02911 0.02982 0.03056 0.03135 0.03218
60 61 62 63 64
65 66 67 68 69
29.732 28.920 28.109 27.299 26.490
0.98288 0.98277 0.98265 0.98253 0.98240
0.03306 0.03398 0.03496 0.03599 0.03709
65 66 67 68 69
70 71 72 73 74
25.684 24.880 24.078 23.280 22.486
0.98227 0.98213 0.98198 0.98182 0.98165
0.03824 0.03948 0.04078 0.04217 0.04366
70 71 72 73 74
75 76 77 78 79
21.695 20.908 20.125 19.347 18.573
0.98148 0.98128 0.98108 0.98086 0.98062
0.04524 0.04693 0.04875 0.05070 0.05280
75 76 77 78 79
80 81 82 83 84
17.806 17.044 16.288 15.539 14.798
0.98037 0.98009 0.97979 0.97946 0.97909
0.05506 0.05750 0.06015 0.06303 0.06616
80 81 82 83 84
298
Interest Rate:
0.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
14.065 13.341 12.626 11.922 11.230
0.97869 0.97824 0.97773 0.97716 0.97652
0.06958 0.07333 0.07744 0.08196 0.08695
85 86 87 88 89
90 91 92 93 94
10.551 9.886 9.236 8.604 7.990
0.97578 0.97494 0.97395 0.97279 0.97140
0.09248 0.09862 0.10545 0.11307 0.12158
90 91 92 93 94
95 96 97 98 99
7.396 6.824 6.276 5.753 5.257
0.96974 0.96772 0.96521 0.96206 0.95804
0.13112 0.14181 0.15378 0.16722 0.18224
95 96 97 98 99
100 101 102 103 104
4.788 4.346 3.932 3.542 3.173
0.95281 0.94585 0.93638 0.92313 0.90406
0.19901 0.21762 0.23814 0.26060 0.28489
100 101 102 103 104
105 106 107 108 109
2.817 2.460 2.078 1.623 1.000
0.87563 0.83162 0.76042 0.63926 0.42086
0.31081 0.33802 0.36597 0.39391 0.42086
105 106 107 108 109
299
Interest Rate:
1.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
30.838 30.410 29.921 29.401 28.862
0.68539 0.68946 0.69413 0.69912 0.70430
0.02223 0.02267 0.02320 0.02378 0.02440
55 56 57 58 59
60 61 62 63 64
28.309 27.746 27.175 26.597 26.013
0.70961 0.71503 0.72052 0.72607 0.73168
0.02507 0.02577 0.02651 0.02730 0.02813
60 61 62 63 64
65 66 67 68 69
25.424 24.829 24.230 23.627 23.020
0.73734 0.74304 0.74879 0.75457 0.76038
0.02900 0.02993 0.03090 0.03194 0.03303
65 66 67 68 69
70 71 72 73 74
22.409 21.794 21.177 20.557 19.935
0.76622 0.77209 0.77798 0.78388 0.78980
0.03419 0.03543 0.03674 0.03813 0.03962
70 71 72 73 74
75 76 77 78 79
19.311 18.684 18.056 17.426 16.795
0.79573 0.80167 0.80761 0.81355 0.81948
0.04121 0.04291 0.04473 0.04669 0.04879
75 76 77 78 79
80 81 82 83 84
16.164 15.532 14.901 14.271 13.642
0.82540 0.83130 0.83717 0.84300 0.84878
0.05106 0.05352 0.05618 0.05907 0.06222
80 81 82 83 84
300
Interest Rate:
1.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
13.016 12.392 11.772 11.157 10.548
0.85451 0.86017 0.86573 0.87119 0.87652
0.06565 0.06941 0.07354 0.07808 0.08310
85 86 87 88 89
90 91 92 93 94
9.946 9.352 8.768 8.196 7.636
0.88168 0.88666 0.89141 0.89588 0.90000
0.08865 0.09481 0.10167 0.10931 0.11786
90 91 92 93 94
95 96 97 98 99
7.092 6.565 6.057 5.570 5.104
0.90372 0.90691 0.90946 0.91119 0.91186
0.12742 0.13814 0.15014 0.16359 0.17864
95 96 97 98 99
100 101 102 103 104
4.662 4.245 3.850 3.478 3.124
0.91112 0.90847 0.90312 0.89387 0.87868
0.19541 0.21403 0.23455 0.25699 0.28124
100 101 102 103 104
105 106 107 108 109
2.781 2.436 2.063 1.617 1.000
0.85413 0.81408 0.74704 0.63036 0.41669
0.30711 0.33424 0.36209 0.38990 0.41669
105 106 107 108 109
301
Interest Rate:
2.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
25.806 25.531 25.205 24.851 24.478
0.48861 0.49383 0.50008 0.50687 0.51403
0.01893 0.01934 0.01984 0.02040 0.02100
55 56 57 58 59
60 61 62 63 64
24.090 23.692 23.284 22.868 22.443
0.52147 0.52912 0.53695 0.54495 0.55310
0.02165 0.02233 0.02306 0.02383 0.02464
60 61 62 63 64
65 66 67 68 69
22.011 21.571 21.125 20.671 20.210
0.56139 0.56982 0.57839 0.58708 0.59590
0.02550 0.02642 0.02738 0.02840 0.02948
65 66 67 68 69
70 71 72 73 74
19.743 19.270 18.791 18.305 17.814
0.60484 0.61390 0.62306 0.63234 0.64170
0.03064 0.03186 0.03316 0.03454 0.03602
70 71 72 73 74
75 76 77 78 79
17.317 16.815 16.307 15.794 15.277
0.65118 0.66075 0.67041 0.68015 0.68997
0.03760 0.03930 0.04111 0.04306 0.04516
75 76 77 78 79
80 81 82 83 84
14.755 14.228 13.698 13.165 12.629
0.69986 0.70980 0.71979 0.72982 0.73987
0.04743 0.04989 0.05255 0.05543 0.05858
80 81 82 83 84
302
Interest Rate:
2.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
12.091 11.552 11.012 10.473 9.934
0.74992 0.75996 0.76995 0.77988 0.78972
0.06202 0.06579 0.06992 0.07447 0.07949
85 86 87 88 89
90 91 92 93 94
9.399 8.867 8.341 7.822 7.311
0.79941 0.80893 0.81821 0.82720 0.83581
0.08505 0.09123 0.09810 0.10576 0.11432
90 91 92 93 94
95 96 97 98 99
6.812 6.325 5.853 5.398 4.961
0.84395 0.85152 0.85834 0.86425 0.86898
0.12390 0.13463 0.14665 0.16011 0.17517
95 96 97 98 99
100 101 102 103 104
4.544 4.148 3.773 3.417 3.077
0.87219 0.87336 0.87173 0.86608 0.85447
0.19194 0.21055 0.23106 0.25347 0.27768
100 101 102 103 104
105 106 107 108 109
2.746 2.412 2.049 1.611 1.000
0.83351 0.79716 0.73406 0.62169 0.41261
0.30350 0.33055 0.35830 0.38598 0.41261
105 106 107 108 109
303
Interest Rate:
3.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
21.968 21.792 21.573 21.329 21.067
0.35701 0.36200 0.36827 0.37525 0.38273
0.01625 0.01661 0.01707 0.01759 0.01817
55 56 57 58 59
60 61 62 63 64
20.793 20.508 20.213 19.910 19.598
0.39058 0.39875 0.40720 0.41589 0.42483
0.01878 0.01944 0.02014 0.02089 0.02168
60 61 62 63 64
65 66 67 68 69
19.277 18.949 18.612 18.267 17.915
0.43400 0.44340 0.45303 0.46289 0.47296
0.02251 0.02340 0.02434 0.02534 0.02640
65 66 67 68 69
70 71 72 73 74
17.555 17.187 16.811 16.428 16.038
0.48326 0.49377 0.50449 0.51542 0.52655
0.02753 0.02873 0.03001 0.03137 0.03283
70 71 72 73 74
75 76 77 78 79
15.639 15.234 14.821 14.400 13.973
0.53790 0.54945 0.56120 0.57314 0.58528
0.03439 0.03607 0.03787 0.03980 0.04189
75 76 77 78 79
80 81 82 83 84
13.539 13.098 12.650 12.197 11.738
0.59759 0.61007 0.62271 0.63550 0.64842
0.04414 0.04658 0.04922 0.05210 0.05524
80 81 82 83 84
304
Interest Rate:
3.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
11.274 10.806 10.334 9.859 9.382
0.66144 0.67456 0.68774 0.70094 0.71413
0.05867 0.06243 0.06655 0.07110 0.07612
85 86 87 88 89
90 91 92 93 94
8.904 8.426 7.951 7.479 7.012
0.72726 0.74028 0.75312 0.76571 0.77796
0.08168 0.08785 0.09472 0.10239 0.11095
90 91 92 93 94
95 96 97 98 99
6.552 6.101 5.662 5.236 4.826
0.78975 0.80095 0.81139 0.82088 0.82914
0.12054 0.13128 0.14330 0.15676 0.17182
95 96 97 98 99
100 101 102 103 104
4.432 4.056 3.699 3.358 3.032
0.83580 0.84036 0.84205 0.83969 0.83134
0.18859 0.20718 0.22767 0.25004 0.27421
100 101 102 103 104
105 106 107 108 109
2.713 2.388 2.035 1.605 1.000
0.81371 0.78083 0.72148 0.61323 0.40860
0.29996 0.32693 0.35458 0.38214 0.40860
105 106 107 108 109
305
Interest Rate:
4.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
18.993 18.882 18.733 18.563 18.378
0.26766 0.27183 0.27745 0.28389 0.29091
0.01409 0.01440 0.01481 0.01529 0.01583
55 56 57 58 59
60 61 62 63 64
18.182 17.975 17.760 17.536 17.303
0.29837 0.30621 0.31438 0.32288 0.33168
0.01641 0.01704 0.01770 0.01841 0.01917
60 61 62 63 64
65 66 67 68 69
17.063 16.815 16.559 16.295 16.022
0.34079 0.35020 0.35991 0.36992 0.38024
0.01997 0.02083 0.02173 0.02270 0.02373
65 66 67 68 69
70 71 72 73 74
15.742 15.453 15.156 14.851 14.539
0.39085 0.40177 0.41300 0.42453 0.43635
0.02483 0.02600 0.02725 0.02859 0.03001
70 71 72 73 74
75 76 77 78 79
14.217 13.887 13.549 13.202 12.847
0.44849 0.46095 0.47371 0.48677 0.50014
0.03155 0.03319 0.03496 0.03687 0.03893
75 76 77 78 79
80 81 82 83 84
12.484 12.112 11.733 11.345 10.951
0.51381 0.52777 0.54200 0.55651 0.57128
0.04116 0.04357 0.04620 0.04905 0.05217
80 81 82 83 84
306
Interest Rate:
4.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
10.549 10.140 9.726 9.306 8.882
0.58628 0.60149 0.61689 0.63243 0.64808
0.05558 0.05932 0.06343 0.06796 0.07297
85 86 87 88 89
90 91 92 93 94
8.454 8.024 7.593 7.163 6.735
0.66379 0.67948 0.69509 0.71054 0.72571
0.07852 0.08468 0.09154 0.09920 0.10776
90 91 92 93 94
95 96 97 98 99
6.311 5.893 5.484 5.085 4.698
0.74048 0.75471 0.76819 0.78074 0.79205
0.11734 0.12807 0.14008 0.15354 0.16859
95 96 97 98 99
100 101 102 103 104
4.326 3.969 3.628 3.302 2.988
0.80175 0.80931 0.81398 0.81459 0.80925
0.18534 0.20392 0.22437 0.24670 0.27082
100 101 102 103 104
105 106 107 108 109
2.680 2.366 2.021 1.599 1.000
0.79469 0.76508 0.70928 0.60498 0.40467
0.29651 0.32340 0.35094 0.37837 0.40467
105 106 107 108 109
307
Interest Rate:
5.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
16.651 16.583 16.481 16.362 16.229
0.20600 0.20919 0.21394 0.21957 0.22580
0.01237 0.01262 0.01298 0.01342 0.01391
55 56 57 58 59
60 61 62 63 64
16.087 15.935 15.775 15.608 15.434
0.23253 0.23966 0.24718 0.25505 0.26327
0.01445 0.01504 0.01567 0.01634 0.01706
60 61 62 63 64
65 66 67 68 69
15.252 15.062 14.865 14.660 14.448
0.27183 0.28075 0.29002 0.29965 0.30964
0.01782 0.01864 0.01951 0.02044 0.02143
65 66 67 68 69
70 71 72 73 74
14.227 13.999 13.762 13.518 13.265
0.32000 0.33073 0.34183 0.35331 0.36516
0.02249 0.02363 0.02484 0.02614 0.02753
70 71 72 73 74
75 76 77 78 79
13.003 12.733 12.454 12.166 11.870
0.37743 0.39009 0.40316 0.41663 0.43051
0.02903 0.03064 0.03237 0.03424 0.03627
75 76 77 78 79
80 81 82 83 84
11.564 11.249 10.926 10.593 10.252
0.44480 0.45949 0.47458 0.49006 0.50593
0.03846 0.04085 0.04344 0.04626 0.04935
80 81 82 83 84
308
Interest Rate:
5.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
9.903 9.545 9.180 8.808 8.429
0.52216 0.53873 0.55562 0.57279 0.59019
0.05273 0.05644 0.06053 0.06503 0.07002
85 86 87 88 89
90 91 92 93 94
8.045 7.657 7.265 6.872 6.478
0.60778 0.62548 0.64322 0.66090 0.67841
0.07555 0.08169 0.08854 0.09618 0.10472
90 91 92 93 94
95 96 97 98 99
6.087 5.698 5.317 4.942 4.578
0.69561 0.71234 0.72838 0.74353 0.75748
0.11429 0.12501 0.13700 0.15045 0.16547
95 96 97 98 99
100 101 102 103 104
4.225 3.886 3.560 3.248 2.946
0.76983 0.78006 0.78740 0.79071 0.78811
0.18220 0.20075 0.22117 0.24345 0.26751
100 101 102 103 104
105 106 107 108 109
2.649 2.344 2.008 1.593 1.000
0.77642 0.74986 0.69743 0.59693 0.40082
0.29313 0.31993 0.34737 0.37467 0.40082
105 106 107 108 109
309
Interest Rate:
6.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
14.781 14.740 14.671 14.586 14.490
0.16271 0.16497 0.16884 0.17359 0.17898
0.01101 0.01119 0.01151 0.01190 0.01235
55 56 57 58 59
60 61 62 63 64
14.385 14.272 14.152 14.026 13.893
0.18487 0.19119 0.19789 0.20498 0.21243
0.01285 0.01340 0.01398 0.01461 0.01529
60 61 62 63 64
65 66 67 68 69
13.754 13.607 13.454 13.294 13.126
0.22025 0.22845 0.23704 0.24602 0.25539
0.01601 0.01679 0.01762 0.01851 0.01946
65 66 67 68 69
70 71 72 73 74
12.951 12.769 12.579 12.381 12.176
0.26518 0.27538 0.28601 0.29708 0.30857
0.02047 0.02157 0.02274 0.02399 0.02534
70 71 72 73 74
75 76 77 78 79
11.961 11.738 11.507 11.266 11.017
0.32054 0.33298 0.34591 0.35932 0.37323
0.02680 0.02837 0.03006 0.03189 0.03388
75 76 77 78 79
80 81 82 83 84
10.758 10.490 10.213 9.926 9.630
0.38763 0.40255 0.41797 0.43389 0.45032
0.03603 0.03837 0.04093 0.04371 0.04676
80 81 82 83 84
310
Interest Rate:
6.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
9.325 9.010 8.687 8.356 8.017
0.46723 0.48461 0.50243 0.52067 0.53928
0.05011 0.05378 0.05783 0.06231 0.06726
85 86 87 88 89
90 91 92 93 94
7.672 7.320 6.963 6.603 6.241
0.55821 0.57738 0.59673 0.61614 0.63550
0.07276 0.07888 0.08570 0.09331 0.10183
90 91 92 93 94
95 96 97 98 99
5.878 5.517 5.160 4.808 4.464
0.65466 0.67345 0.69163 0.70900 0.72522
0.11138 0.12207 0.13405 0.14747 0.16246
95 96 97 98 99
100 101 102 103 104
4.130 3.807 3.496 3.196 2.906
0.73989 0.75248 0.76222 0.76797 0.76789
0.17916 0.19767 0.21805 0.24028 0.26428
100 101 102 103 104
105 106 107 108 109
2.618 2.323 1.995 1.588 1.000
0.75886 0.73516 0.68593 0.58908 0.39704
0.28982 0.31654 0.34387 0.37104 0.39704
105 106 107 108 109
311
Interest Rate:
7.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
13.265 13.243 13.196 13.135 13.064
0.13178 0.13322 0.13627 0.14022 0.14480
0.00993 0.01006 0.01033 0.01068 0.01108
55 56 57 58 59
60 61 62 63 64
12.986 12.901 12.810 12.714 12.611
0.14988 0.15538 0.16128 0.16755 0.17420
0.01154 0.01204 0.01259 0.01318 0.01381
60 61 62 63 64
65 66 67 68 69
12.503 12.389 12.268 12.142 12.008
0.18123 0.18864 0.19645 0.20467 0.21331
0.01449 0.01523 0.01601 0.01686 0.01776
65 66 67 68 69
70 71 72 73 74
11.868 11.722 11.568 11.406 11.238
0.22238 0.23189 0.24187 0.25232 0.26323
0.01874 0.01978 0.02091 0.02212 0.02342
70 71 72 73 74
75 76 77 78 79
11.061 10.876 10.682 10.480 10.269
0.27467 0.28664 0.29914 0.31220 0.32583
0.02483 0.02636 0.02800 0.02979 0.03173
75 76 77 78 79
80 81 82 83 84
10.049 9.819 9.580 9.332 9.074
0.34003 0.35482 0.37021 0.38620 0.40279
0.03384 0.03613 0.03864 0.04138 0.04439
80 81 82 83 84
312
Interest Rate:
7.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
8.806 8.529 8.242 7.946 7.642
0.41998 0.43775 0.45610 0.47498 0.49437
0.04769 0.05133 0.05534 0.05977 0.06469
85 86 87 88 89
90 91 92 93 94
7.330 7.011 6.685 6.354 6.020
0.51421 0.53443 0.55496 0.57569 0.59649
0.07015 0.07623 0.08302 0.09060 0.09909
90 91 92 93 94
95 96 97 98 99
5.683 5.347 5.012 4.681 4.356
0.61722 0.63769 0.65766 0.67690 0.69508
0.10860 0.11927 0.13121 0.14460 0.15956
95 96 97 98 99
100 101 102 103 104
4.039 3.731 3.434 3.146 2.867
0.71178 0.72644 0.73833 0.74629 0.74853
0.17622 0.19469 0.21502 0.23719 0.26112
100 101 102 103 104
105 106 107 108 109
2.589 2.302 1.982 1.582 1.000
0.74196 0.72096 0.67476 0.58141 0.39333
0.28659 0.31321 0.34044 0.36749 0.39333
105 106 107 108 109
313
Interest Rate:
8.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
12.022 12.011 11.979 11.935 11.883
0.10927 0.11002 0.11237 0.11561 0.11947
0.00909 0.00916 0.00938 0.00969 0.01005
55 56 57 58 59
60 61 62 63 64
11.824 11.759 11.689 11.614 11.534
0.12381 0.12857 0.13372 0.13923 0.14510
0.01047 0.01093 0.01144 0.01199 0.01258
60 61 62 63 64
65 66 67 68 69
11.449 11.359 11.264 11.162 11.055
0.15135 0.15799 0.16503 0.17247 0.18034
0.01322 0.01391 0.01465 0.01545 0.01631
65 66 67 68 69
70 71 72 73 74
10.942 10.823 10.697 10.564 10.425
0.18865 0.19742 0.20667 0.21641 0.22664
0.01724 0.01824 0.01932 0.02049 0.02174
70 71 72 73 74
75 76 77 78 79
10.278 10.123 9.960 9.789 9.610
0.23743 0.24878 0.26070 0.27323 0.28638
0.02310 0.02458 0.02617 0.02791 0.02980
75 76 77 78 79
80 81 82 83 84
9.421 9.224 9.017 8.801 8.575
0.30016 0.31460 0.32971 0.34551 0.36199
0.03186 0.03411 0.03656 0.03926 0.04222
80 81 82 83 84
314
Interest Rate:
8.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
8.339 8.094 7.838 7.574 7.300
0.37917 0.39704 0.41559 0.43480 0.45463
0.04547 0.04906 0.05302 0.05741 0.06228
85 86 87 88 89
90 91 92 93 94
7.017 6.726 6.428 6.124 5.814
0.47504 0.49597 0.51734 0.53904 0.56096
0.06770 0.07374 0.08048 0.08803 0.09648
90 91 92 93 94
95 96 97 98 99
5.502 5.187 4.874 4.562 4.254
0.58292 0.60476 0.62620 0.64702 0.66688
0.10595 0.11658 0.12849 0.14184 0.15676
95 96 97 98 99
100 101 102 103 104
3.953 3.659 3.375 3.099 2.829
0.68534 0.70185 0.71565 0.72563 0.72999
0.17338 0.19179 0.21206 0.23418 0.25804
100 101 102 103 104
105 106 107 108 109
2.560 2.282 1.970 1.577 1.000
0.72569 0.70722 0.66391 0.57393 0.38968
0.28342 0.30995 0.33708 0.36400 0.38968
105 106 107 108 109
315
Interest Rate:
9.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
10.988 10.986 10.964 10.932 10.893
0.09257 0.09276 0.09453 0.09717 0.10040
0.00842 0.00844 0.00862 0.00889 0.00922
55 56 57 58 59
60 61 62 63 64
10.848 10.798 10.743 10.684 10.621
0.10411 0.10821 0.11268 0.11751 0.12268
0.00960 0.01002 0.01049 0.01100 0.01155
60 61 62 63 64
65 66 67 68 69
10.554 10.482 10.405 10.323 10.237
0.12822 0.13413 0.14044 0.14714 0.15427
0.01215 0.01280 0.01350 0.01425 0.01507
65 66 67 68 69
70 71 72 73 74
10.144 10.046 9.943 9.833 9.717
0.16184 0.16986 0.17837 0.18737 0.19688
0.01595 0.01691 0.01794 0.01906 0.02026
70 71 72 73 74
75 76 77 78 79
9.594 9.463 9.326 9.180 9.026
0.20697 0.21763 0.22890 0.24080 0.25336
0.02157 0.02300 0.02455 0.02623 0.02807
75 76 77 78 79
80 81 82 83 84
8.864 8.694 8.514 8.325 8.126
0.26660 0.28054 0.29522 0.31064 0.32683
0.03007 0.03227 0.03468 0.03732 0.04022
80 81 82 83 84
316
Interest Rate:
9.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
7.917 7.699 7.471 7.233 6.986
0.34379 0.36153 0.38005 0.39934 0.41936
0.04342 0.04696 0.05087 0.05521 0.06003
85 86 87 88 89
90 91 92 93 94
6.729 6.463 6.190 5.909 5.623
0.44008 0.46144 0.48337 0.50577 0.52852
0.06540 0.07139 0.07809 0.08559 0.09399
90 91 92 93 94
95 96 97 98 99
5.332 5.038 4.743 4.449 4.157
0.55145 0.57437 0.59702 0.61917 0.64046
0.10342 0.11401 0.12587 0.13918 0.15405
95 96 97 98 99
100 101 102 103 104
3.871 3.591 3.318 3.053 2.793
0.66045 0.67859 0.69411 0.70590 0.71220
0.17062 0.18898 0.20919 0.23124 0.25503
100 101 102 103 104
105 106 107 108 109
2.533 2.262 1.958 1.571 1.000
0.71003 0.69394 0.65337 0.56662 0.38611
0.28032 0.30676 0.33378 0.36057 0.38611
105 106 107 108 109
317
Interest Rate:
10.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
55 56 57 58 59
10.120 10.122 10.108 10.085 10.055
0.07995 0.07968 0.08098 0.08311 0.08582
0.00790 0.00787 0.00801 0.00824 0.00854
55 56 57 58 59
60 61 62 63 64
10.020 9.981 9.938 9.891 9.841
0.08898 0.09253 0.09641 0.10063 0.10519
0.00888 0.00927 0.00970 0.01017 0.01069
60 61 62 63 64
65 66 67 68 69
9.786 9.728 9.666 9.599 9.528
0.11009 0.11535 0.12099 0.12701 0.13345
0.01125 0.01186 0.01252 0.01323 0.01401
65 66 67 68 69
70 71 72 73 74
9.452 9.371 9.285 9.193 9.096
0.14031 0.14763 0.15542 0.16371 0.17250
0.01484 0.01575 0.01674 0.01781 0.01896
70 71 72 73 74
75 76 77 78 79
8.992 8.882 8.764 8.640 8.508
0.18188 0.19184 0.20242 0.21365 0.22556
0.02023 0.02160 0.02310 0.02473 0.02651
75 76 77 78 79
80 81 82 83 84
8.368 8.219 8.062 7.896 7.720
0.23819 0.25155 0.26569 0.28063 0.29639
0.02847 0.03061 0.03296 0.03554 0.03839
80 81 82 83 84
318
Interest Rate:
10.0%
ASSURANCE FUNCTIONS ANNUITANT LIVES - FEMALE Age(x)
ax
Ax
Px
Age(x)
85 86 87 88 89
7.535 7.341 7.136 6.922 6.698
0.31299 0.33045 0.34877 0.36795 0.38796
0.04154 0.04502 0.04887 0.05316 0.05793
85 86 87 88 89
90 91 92 93 94
6.464 6.221 5.969 5.710 5.444
0.40878 0.43037 0.45264 0.47551 0.49885
0.06324 0.06918 0.07583 0.08327 0.09163
90 91 92 93 94
95 96 97 98 99
5.173 4.897 4.620 4.342 4.066
0.52250 0.54629 0.56992 0.59318 0.61569
0.10101 0.11155 0.12336 0.13661 0.15143
95 96 97 98 99
100 101 102 103 104
3.793 3.525 3.264 3.008 2.758
0.63700 0.65657 0.67362 0.68706 0.69515
0.16795 0.18625 0.20640 0.22838 0.25208
100 101 102 103 104
105 106 107 108 109
2.506 2.243 1.946 1.566 1.000
0.69494 0.68108 0.64312 0.55948 0.38260
0.27729 0.30363 0.33054 0.35721 0.38260
105 106 107 108 109
319
320
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