EX-99.G 4 dex99g.txt EX-99(G) REINSURANCE AGREEMENT between LIFE INSURANCE COMPANY OF VIRGINIA Richmond, Virginia and NORTH AMERICAN REASSURANCE COMPANY New York, New York This agreement will detail the operation of a reinsurance pool, the purpose of which is to provide automatic and facultative reinsurance coverage to Life Insurance Company of Virginia, Richmond, Virginia, American Agency Life Insurance Company, Atlanta, Georgia, and Virginia Life of New York, New York, New York. These three insurance entities will be collectively and individually referred to hereafter in this agreement as "Ceding Company". The reinsurers participating in this pool are listed in Exhibit F of the agreement. These participants will hereafter be referred to collectively as "the Pool" and individually as "Pool member". ARTICLE I EFFECTIVE DATE AND DURATION This Pool will commence operation with an effective date of June 1, 1984. Paid coverage to the Ceding Company on or after that date is eligible for reinsurance hereunder. This Pool is intended to operate continuously. Any Pool member may cancel participation in the Pool for purposes of new business by giving ninety (90) days written notice of cancellation. Such notice will not in any way diminish the rights or obligations of the parties to this agreement for reinsurance previously ceded. ARTICLE II AUTOMATIC COVERAGE On and after the Effective Date of this agreement, whenever the Ceding Company issues coverage on a risk for a plan covered by this Pool, and the total coverage issued and in force on that risk with the Ceding Company exceeds its then current maximum retention, such coverage will be automatically reinsured in the Pool, provided: a. that the aggregate amount of life and supplemental benefits reinsured does not exceed the maximums set out in Exhibit G; b. that the risk is not known to be a citizen of countries other than the United States and Canada, is residing in the United States or Canada, is classified in accordance with generally accepted individual underwriting practices, and is not a Jumbo Risk as defined in Exhibit E; c. that on the risk the Ceding Company has retained its maximum Exhibit D retention, either for the current coverage or on a previous issue, or by combination of both, at the time reinsurance is required; d. that for the current coverage, the Ceding Company has not made facultative application to another reinsurer. 1 TABLE OF CONTENTS Page ---- Article I Effective Date and Duration 1 Article II Automatic Coverage 1 Article III Facultative Reinsurance 2 Article IV Liability of the Pool 2 Article V Pool Administration 2 Article VI Plan of Reinsurance 3 Article VII Reinsurance Premiums 4 Article VIII Application, Policy Forms, and Rate Books 4 Article IX Changes of Original Policy 5 Article X Retention Changes 6 Article XI Recapture of Reinsurance 6 Article XII Claims 7 Article XIII Expenses and Taxes 8 Article XIV Error and Oversight 8 Article XV Insolvency 8 Article XVI Arbitration 9 Article XVII Inspection of Records 9 Article XVIII Parties to the Agreement 10 (i) EXHIBITS Exhibit A - Reinsurance Application/Cession Form Exhibit B - Life Reinsurance Premiums Rates Exhibit C - a. Suggested Reporting Details for Non-Universal Life Products b. Suggested Reporting Details for Universal Life Products Exhibit D - Retention Limits of Ceding Company Exhibit E - Jumbo Risk Exhibit F - Percentages of Participation Exhibit G - Automatic Binding Limits to the Reinsurance Pool Exhibit H - Conditional Receipt Liability (ii) ARTICLE III FACULTATIVE REINSURANCE The Ceding Company may request facultative consideration for any risk by submitting a reinsurance application (Part I of Exhibit A) along with a copy of the Ceding Company's application, medical examination, inspection report, and all other available information the Ceding Company has on the risk. The Ceding Company may submit such risks to the Pool members. Each solicited member will give the request prompt consideration and communicate an offer of reinsurance or a declination notice to the Ceding Company. All offers of reinsurance will include a time period in which the Ceding Company must communicate acceptance in order to have valid coverage. Extensions of the offer period may be made as each Pool member deems appropriate. The Ceding Company shall have right to determine how facultative reinsurance is to be allocated among Pool members as they see fit. ARTICLE IV LIABILITY OF THE POOL The liability of the Pool for any coverage ceded hereunder will begin and end simultaneously with the liability of the Ceding Company, except that: a. No liability will be assumed for facultative submissions unless an unconditional offer has been made by the Pool member(s) and accepted by the Ceding Company as provided by paragraph two of Article III, Facultative Reinsurance. b. No liability for Disability Benefits in excess of an amount attaching to the initial amount of Life coverage will be assumed by the Pool. c. No liability is assumed by the Pool for a loss under the Ceding Company's Conditional Receipt in excess of the amount shown in Exhibit H. A condition precedent to the Pool assuming such liability is a review of the Ceding Company's Receipt and related rules for its use, and written approval of same. ARTICLE V POOL ADMINISTRATION The Ceding Company will be responsible for maintaining adequate records for all coverages ceded into the Pool, and will provide the Pool members with all necessary reporting of such coverages. Such reporting will occur monthly, and will include, but not be limited to, the information shown in Exhibit C. 2 In addition to the monthly reporting, the Ceding Company will provide the Pool with necessary reserve valuation information on a quarterly basis. ARTICLE VI PLAN OF REINSURANCE Reinsurance ceded to the Pool members may be on the Coinsurance, Monthly Renewable Term, or Yearly Renewable Term plan. The specific plan of reinsurance for each type of coverage reinsured will be as indicated in the Exhibit B for that plan of insurance. New reinsurance will be for an amount not less than $100,000. The net amount of reinsurance for each plan of reinsurance will be as follows: Coinsurance - The net amount of reinsurance each year will equal the initial amount ceded. Yearly Renewable Term - The net amount of reinsurance each year will be the death benefit for the portion of the risk reinsured less the interpolated cash value for the entire risk. Decennial cash values will be used for computing the interpolated value in any policy year. Monthly Renewable Term - The net amount of reinsurance each month will be the death benefit (as defined by the policy) for the reinsured portion of the risk less the full value of the cash fund at the end of the preceding month. Last Survivor Whole Life - The net amount of reinsurance each year will be defined below: a. WHILE BOTH COVERED LIVES ARE REINSURED: For each policy year the net amount of reinsurance of each risk will equal the excess of (a) over (b), where (a) equals the cash value in the corresponding policy year for the survivor insured assuming the other insured has died first, and (b) equals the cash value for the appropriate policy year assuming both insureds are still living. b. AFTER THE DEATH OF THE FIRST INSURED: The net amount of reinsurance for the survivor insured will be equal to the death benefit (as defined by the policy) less the appropriate single life cash value for the policy being reinsured. c. DEATH OF BOTH COVERED INSUREDS OCCURS IN THE SAME POLICY YEAR: The net amount of reinsurance during the policy year the death of both covered lives occurs will be equal to the death benefit less the interpolated joint equal age cash value for the policy reinsured. Subject to prior approval by the Pool, If the net amount of reinsurance for any reinsured policy increases because of a benefit ties to a Cost of Living Index, the Pool agrees to reinsure such amounts in excess of the Ceding Company's retention provided the total does not exceed the automatic binding limits to the Pool. In force reinsurance will automatically terminate when the net amount reinsured in the Pool reduces below $10,000. ARTICLE VII REINSURANCE PREMIUMS Premiums for YRT and Coinsurance are payable on a policy year basis. Monthly Renewable Term reinsurance premiums are payable monthly. The various rates for the plans reinsured in the Pool are shown in Exhibit B. These rates are guaranteed except where a particular premium rate is less than the applicable minimum set valuation premium, in which case it is the latter rate that is guaranteed. All premiums are non-experience rated. Flat extra and waiver of premium disability benefit will be coinsured with the following allowances: Total Allowances -------------------------- First Year Renewal Years ---------- ------------- The portion of the flat extra premium continuing for more than five (5) years 85% 15% The portion of the flat extra premium continuing for five year or less 0% 15% Waiver of Premium Disability Benefit 100% 10% ARTICLE VIII APPLICATION, POLICY FORMS AND RATE BOOKS The Ceding Company agrees to furnish the Pool with copies of all its applications, policy forms (including supplementary agreements) and rate books which are used while this Agreement is effective. 4 ARTICLE IX CHANGES OF ORIGINAL POLICY Reinsurance effected under the Agreement shall be maintained in force so long as the amount of insurance carried by the Ceding Company is in force either continuously, by reinstatement, by substitution, or by conversion, except as follows: Reduction and Termination - If the face amount of any in force insurance with the Ceding Company on any particular life is reduced, the full amount of the retention will apply to reduce any in force reinsurance on the life. If there is more than one insurance policy on the life, the retention will apply first to any reinsurance on the policy being reduced, and then, on a chronological basis, to any reinsurance on the other in force policies on the life. If the reinsurance on any particular policy has been ceded to more than one reinsurer, the reduction in the reinsurance with each reinsurer on such policy shall be in proportion to the amounts originally ceded to each reinsurer. Extended Term Insurance - If a policy on a risk reinsured with the Pool member(s) is transferred to Extended Term Insurance, the Ceding Company shall immediately inform the Pool member(s). The net amount of reinsurance on such policy will then be the initial amount of the Ceding Company's policy transferred to Extended Term Insurance less the initial amount of the Ceding Company's retention on such policy immediately prior to the date of transfer and less the interpolated cash value on the initial amount of the Extended Term Insurance reinsured with the Pool. member(s). If the reinsurance on such policy was shared with other reinsurers, the new amount of reinsurance with each reinsurer shall be in proportion to the amount in force with each reinsurer immediately prior to the transfer. Reinstatement - If coverage on a risk automatically reinsured with the Pool lapses and is subsequently reinstated under the Ceding Company's regular rules, the reinsurance will be automatically reinstated. If coverage was reinsured on a facultative basis, the Ceding Company will obtain the approval of the Pool member(s)prior to reinstatement if the portion of the coverage reinsured by the Pool member(s) is greater than the portion of the risks retained by the Ceding Company. The Ceding Company shall pay all reinsurance premiums in arrears for the same period the Ceding Company received premiums in arrears under its policy. 5 ARTICLE X RETENTION CHANGES In the event the Ceding Company changes its limits of retention, the Ceding Company shall give immediate written notice to the Pool covering its new standard and substandard retention limits and the effective date of such change. ARTICLE XI RECAPTURE OF REINSURANCE In the event the Ceding Company increases its limits of retention, it may reduce all reinsurance effected under this Agreement by giving written notice to the Pool of its desire to initiate a recapture program, subject to the following restrictions: 1. A mutually agreed-to beginning date of recapture shall be established. This beginning date of recapture may be any date on or following the date of notification by the Ceding Company of its intention to initiate a recapture program. 2. Reduction of reinsurance shall take effect on the later of (i) the anniversary of such reinsurance on or next following the beginning date of recapture and (ii) the minimum in force period as shown in Exhibit B for the plan or plans reinsured. However, reinsurance of additional benefits, such as Disability effected under a Life cession will be eligible for recapture as of the date the Life reinsurance based on the Ceding Company's same policy is eligible for recapture regardless of the beginning effective date of such benefits. 3. No reduction may be made in the reinsurance on any individual policy unless the Ceding Company retained its applicable limit of retention on the life at the time of issue. For purposes of recapture, if the Ceding Company's previous retention for a particular age or mortality classification was zero and a subsequent retention change increases the retention for that age or classification, the Ceding Company will be considered to have kept its maximum retention at issue. 4. Reduction in reinsurance will be for an amount which, when added to the proportionate reduction of recapturable reinsurance with other reinsurers on the same life, will increase the Ceding Company's retention to its new limit of retention for the age of issue and rating of the last policy issued on the life. 6 5. If any reduction is made in reinsurance than all recapturable reinsurance effected under this Agreement must be similarly reduced. If the Ceding Company overlooks any reduction or termination of reinsurance, subsequent acceptance of reinsurance premiums by the Pool shall not create a liability of the Pool except for refund of the unearned reinsurance premiums received. If there is in force reinsurance on policies or amounts issued under a Guaranteed Insurability Option, the Ceding Company may elect to include these policies or amounts in any particular recapture program. However, if the election is applied to any single in force Option Policy, it must be applied to all in force Option Policies to the same extend as it provided in the above restrictions. ARTICLE XII CLAIMS The Pool member(s) will be given prompt notice of any claim made against the Ceding Company on a policy reinsured hereunder. The Ceding Company will submit copies of all proofs of loss and other documents bearing on such claims to the Pool member(s). For claims occurring during the contestable period of reinsured coverage, the Ceding Company will have full authority to determine liability on such claims provided that the total liability does not exceed $2,000,000. For contestable claims exceeding $2,000,000, the Pool member(s) reserve(s) the right of review and approval prior to the admission of any liability or payment of benefits thereon. For claims that occur beyond the contestable period of reinsured coverage, the Ceding Company will have full authority to determine claims where total liability does not exceed $5,000,000. For incontestable claims in excess of $5,000,000, the Pool member(s) reserve(s) the same rights of review and approval as stated in the preceding paragraph. For definitional purposes, the amount limits stated above include the Ceding Company's retention on the coverage and the reinsured portion. Additionally, as a condition of the right of review and approval, the Pool agrees that such review and approval will occur and be communicated to the Ceding Company within five (5) working days following receipt of all necessary information, as mutually agreed upon by both parties. The Ceding Company and the Pool member(s) will share proportionately in any additional related claim expenses including, but not limited to, interest on proceeds required by the various states statutes and fees and expenses of third parties utilized in connection with claim investigation. The Pool member(s) will not compensate the Ceding Company for the expenses of salaried officers and employees in following normal claim procedures, as well as any possible extra-contractual damages. The Pool will refund any unearned premium to the Ceding Company for premiums paid beyond the date of death of any covered insured. 7 The Ceding Company shall notify the Pool member(s) of its intention to contest or compromise a claim involving reinsurance. If the Pool member(s) does not consent to the contest or compromise, the full amount of reinsurance will be paid to the Ceding Company, and will absolve the Pool member(s) of any further liability under said claim. In the event of any adjustment in the amount of any claim due to misstatement of age or sex of the insured, the reinsurance will be reissued as of the original policy date at the correct age. The Pool member(s) and the Ceding Company will participate in such increase or decrease in proportion to the amount retained by the Ceding Company and reinsured by the Pool member(s) prior to the adjustment. A corresponding adjustment in reinsurance premiums will be made consistent with the charges or credit to the policyholder. If a claim is approved for Disability benefits reinsured hereunder, the Ceding Company will continue to pay reinsurance premiums except the premium for disability reinsurance. The Pool member(s) will pay the Ceding Company its proportionate share of reinsured Disability benefits, including the premiums for benefits that remain in effect during disability. ARTICLE XIII EXPENSES AND TAXES The Ceding Company shall bear the expense of all medical examinations, inspection reports, and all other charges incurred in connection with its policies. The Pool will reimburse the Ceding Company for any state premium taxes the Ceding Company is required to pay on such premiums paid to the Pool. It shall be the responsibility of the Ceding Company to notify the Pool of the amount of such liability and to request reimbursement thereof within a reasonable period after the close of each calendar year. However, such reimbursement can be made only for the tax liability incurred by the Ceding Company in the immediately preceding calendar year. ARTICLE XIV ERROR AND OVERSIGHT If, unintentionally and through error or oversight, either the Pool or the Ceding Company fails to comply with terms of this Agreement, and if, upon discovery by one of such failure the other is immediately notified, then the duties and responsibilities of both the Pool and the Ceding Company shall be as if each had complied with the terms of this Agreement, subject always to correction of the error or oversight. ARTICLE XV INSOLVENCY In the event of the insolvency of the Ceding Company, the reinsurance shall be payable by the Pool directly to the Ceding Company or its liquidator, receiver, or statutory successor, on the basis of the liability of the Ceding 8 Company under the policy or policies reinsured without diminution because of the insolvency of the Ceding Company. It is agreed, however, that the liquidator or receiver or statutory successor of the insolvent Ceding Company shall give written notice to the Pool of the pendency of a claim against the insolvent Ceding Company on the policy reinsured within a reasonable time after such claim is filed in the insolvency proceedings and that during the pendency of such claim the Pool may investigate such claim and interpose, in the proceedings where such claim is to be adjudicated, any defense or defenses which it may deem available to the Ceding Company or its liquidator or receiver or statutory successor. The expense thus incurred by the Pool shall be chargeable, subject to court approval, against the insolvent Ceding Company as part of the expense of liquidation to the extent of a proportionate share of the benefit which may accrue to the Ceding Company solely as a result of the defense undertaken by the Pool. Where two or more reinsuring companies are involved in the same claim and a majority in interest elect to interpose defense to such claim, the Pool share of the expense thus incurred shall be determined in accordance with the terms of this Agreement as though such expense had been incurred by the Ceding Company. ARTICLE XVI ARBITRATION In case of any question or dispute arising between the Pool member(s) and the Ceding Company relative to any transaction under this Agreement regarding which the Pool member(s) and the Ceding Company are unable to agree, such question shall be referred to three arbitrators to be chosen from the officers of life insurance companies familiar with the reinsurance business, one of the arbitrators to be chosen by the Pool member(s), another by the Ceding Company, and the third by the two arbitrators. Arbitration will take place at the Home Office of the Ceding Company in Richmond, Virginia. The decision of the arbitrators, in any matter submitted to them, shall be final and binding upon both the Pool and the Ceding Company. The expense of arbitration will be borne as determined by the arbitrators. ARTICLE XVII INSPECTION OF RECORDS The Pool shall have the right at all reasonable times to inspect all books and papers at the office of the Ceding Company relating to the reinsurance effected under this Agreement. 9 ARTICLE XVIII PARTIES TO THE AGREEMENT This Agreement is one for indemnity reinsurance and is made solely between the Ceding Company and the Pool member indicated below. Acceptance of reinsurance hereunder shall create no right or legal relation whatsoever between the Pool member and the insured, owner, or beneficiary of the insurance policy contract of the Ceding Company or between the Pool member and other Pool members. THIS AGREEMENT, is executed in duplicate and becomes effective on the date shown on page 1. LIFE INSURANCE COMPANY OF VIRGINIA By /s/ Illegible , Sr. Vice President ------------------------- -------------------- Authorized Officer Title Attest: By /s/ Illegible , Asst. Vice President ------------------------- ------------------- Authorized Officer Title Date: 6/10/85 NORTH AMERICAN REASSURANCE COMPANY By /s/ Illegible , Illegible - President ------------------------- --------------------- Authorized Officer Title Attest: By /s/ Illegible , Illegible ------------------------- ------------------- Authorized Officer Title Date: June 20, 1985 Reinsurance Application/Cession Form EXHIBIT A [LOGO] North American Reassurance Company P.O. Box 2888, New York, N. _ CONFIRMATION OF REINSURANCE REINSURANCE NO. [ ] CHECK IF THIS IS AN AUTOMATIC SUBMISSION AND INDICATE WHETHER POLICY WAS ISSUED [ ] MEDICAL [ ] NON-MED INSURED'S LAST NAME FIRST MIDDLE DATE OF BIRTH STATE OF BIRTH STATE OF RESIDENCE SEX AGE
PAYOR OR JOINT INSURED PLEASE INDICATE [ ] YES [ ] NO SECOND LIFE TO BE REINSURED
LIFE ADD'L. LIFE BENEFIT ACCIDENT BENEFIT DISABILITY BENEFIT OTHER (SPECIFY) --------------------------------------------------------------------------------------------------------------------------- INSURANCE IN FORCE OUR COMPANY OF WHICH WE RETAIN ISSUED /+/ RETAINED REINSURED ---------------------------------------------------------------------------------------------------------------------------
PLEASE CORRECT ABOVE AMOUNTS IF ISSUED OTHER THAN AS APPLIED FOR [ ] CHECK IF THIS CASE IS TO BE PLACED IN SPECIAL ACCOUNT POOL ADDITIONAL INFORMATION: -------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- NAME OF CEDING COMPANY STATE DATE UNDERWRITER RESPONSIBLE FOR CASE POLICY NO. INTERIM TERM POLICY DATE PLANS OF INSURANCE ISSUE AGE-NEAREST/LAST RATING
YR YR [ ] COINSURANCE COMMS. % BASIC LIFE PREMS. RIDER LIFE PREMS. BENEFIT PREMS. (SPECIFY) TOTAL COMMS. ---------------------------------------------------------------------------------------------------------------------------- YR AGE [ ] YRT RISK AMOUNTS REGULAR LIFE PREMS. FLAT EXTRA PREMS. FEE TOTAL PREMS.
COMPLETE ABOVE WITH RISKS, PREMIUMS AND COMMISSIONS ONLY IF PROCEDURE OF YOUR SUBMISSION IS TO FURNISH THIS INFORMATION ______________________________________ ________________________________________________________________________________ [LOGO] North American Reassurance Company P.0. Box 2888, New York, N. _ FACULTATIVE APPLICATION HAS THIS RISK BEEN SUBMITTED TO NARe BEFORE EITHER FORMALLY OR INFORMALLY [ ] YES [ ] NO INSURED'S LAST NAME FIRST MIDDLE DATE OF BIRTH STATE OF BIRTH STATE OF RESIDENCE SEX AGE
PAYOR OR JOINT INSURED PLEASE INDICATE [ ] YES [ ] NO SECOND LIFE TO BE CONSIDERED FOR REINSURANCE
LIFE *ADD'L. LIFE BENEFIT ACCIDENT BENEFIT DISABILITY BENEFIT OTHER (SPECIFY) ---------------------------------------------------------------------------------------------------------------------------- INSURANCE IN FORCE OUR COMPANY OF WHICH WE RETAIN NEW INSURANCE APPLIED FOR OF WHICH WE WILL RETAIN REINSURANCE APPLIED FOR ----------------------------------------------------------------------------------------------------------------------------
PLEASE INDICATE LIABILITY UNDER ADDITIONAL LIFE BENEFITS SUCH AS: INCREASING TERM, DIVIDEND OPTIONS, CASH VALUE RIDER, ETC. It is understood that the above named applicant has been given Pre-Notice of the Medical Information Bureau and that the ceding company has in its Home Office an approved Authorization form signed by this applicant. PLEASE REPLY BY [ ] TELEPHONE [ ] DATAPHONE [ ] TELETYPE [ ] MAIL NAME OF CEDING COMPANY STATE DATE UNDERWRITER RESPONSIBLE FOR CASE REMARKS: ----------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- [LOGO] North American Reassurance Company P.O. Box 2888, New York, N. Y. 10017 CANCELLATION NOTICE REINSURANCE NO. [ ] CHECK IF THIS IS AN AUTOMATIC SUBMISSION AND INDICATE WHETHER POLICY WAS ISSUED [ ] MEDICAL [ ] NON-MED
INSURED'S LAST NAME FIRST MIDDLE DATE OF BIRTH STATE OF BIRTH STATE OF RESIDENCE SEX AGE
PAYOR OR JOINT INSURED PLEASE INDICATE [ ] YES [ ] NO SECOND LIFE TO BE REINSURED
LIFE ADD'L. LIFE BENEFIT ACCIDENT BENEFIT DISABILITY BENEFIT OTHER (SPECIFY) -------------------------------------------------------------------------------------------------------------- INSURANCE IN FORCE OUR COMPANY OF WHICH WE RETAIN ISSUED /+/ RETAINED REINSURED --------------------------------------------------------------------------------------------------------------
PLEASE CORRECT ABOVE AMOUNTS IF ISSUED OTHER THAN AS APPLIED FOR [ ] CHECK IF THIS CASE IS TO BE PLACED IN SPECIAL ACCOUNT POOL ADDITIONAL INFORMATION: -------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- NAME OF CEDING COMPANY STATE DATE UNDERWRITER RESPONSIBLE FOR CASE
POLICY NO. INTERIM TERM POLICY DATE PLANS OF INSURANCE ISSUE AGE-NEAREST/LAST RATING
YR YR [ ] COINSURANCE COMMS.% BASIC LIFE PREMS. RIDER LIFE PREMS. BENEFIT PREMS. (SPECIFY) TOTAL COMMS. -------------------------------------------------------------------------------------------------------------------------- YR AGE [ ] YRT RISK AMOUNTS REGULAR LIFE PREMS. FLAT EXTRA PREMS. FEE TOTAL PREMS.
REINSURANCE NOT REQUIRED: [ ] POLICY NOT PLACED [ ] AMOUNT PLACED WITHIN RETENTION [ ] REINSURANCE PLACED ELSEWHERE ___________________________________________________________________________________________________________ NARe
[LOGO] North American Reassurance Company P.O. Box 2888, New York, N.Y 10163
OUR NO. YOUR NO. CESSION EFFECTIVE DATE POLICY DATE -------------------------------------------------------------------------------------------------------------------- NAME OF INSURED SEX AGE/BASIS DATE OF BIRTH STATE OF RESIDENCE SUBMISSION RETENTION MEDICAL -------------------------------------------------------------------------------------------------------------------- PAYOR OR JOINT INSURED POOL POOL RATIO LIFE PREVIOUS INSURANCE IN FORCE OF WHICH WE RETAIN --------------------------- NEW INSURANCE ISSUED OF WHICH WE RETAIN REINSURANCE HEREUNDER PLAN OF INSURANCE EXPIRES RATES RATING --------------------------------------------------------------------------------------------------------------------
MASTER REFERENCE CARD
RETENTION: LAST NAME OF INSURED FIRST INITIAL SEX DATE OF BIRTH MO. DAY YR. LIFE -------------------------------------------------- DISABILITY -------------------------------------------- ACCIDENT ----------------------------------------------
----------------------------------------------------------------------------------- POLICY NUMBER POLICY DATE AGE RATING PLAN(S) LIFE DISABILITY ACCIDENT ----------------------------------------------------------------------------------- ----------------------------------------------------------------------------------- ----------------------------------------------------------------------------------- ----------------------------------------------------------------------------------- ----------------------------------------------------------------------------------- ----------------------------------------------------------------------------------- ----------------------------------------------------------------------------------- ----------------------------------------------------------------------------------- TOTALS OF ABOVE
AS A PART OF OUR SERVICE, NARe PROVIDES BOTH A RECORD CARD AND A MASTER REFERENCE CARD IN 8 X 5 SIZE. BEND AND TEAR ALONG PERFORATIONS TO SEPARATE CARDS FOR FILE USE. POL 100C 7/82 [LOGO] North American Reassurance Company P.O. Box 2888, New York, N.Y. 10163
OUR NO. YOUR NO. CESSION EFFECTIVE DATE POLICY DATE ------------------------------------------------------------------------------------------------------------------ NAME OF INSURED SEX AGE/BASIS DATE OF BIRTH STATE OF RESIDENCE SUBMISSION RETENTION MEDICAL ------------------------------------------------------------------------------------------------------------------ PAYOR OR JOINT INSURED LIFE POOL POOL RATIO PREVIOUS INSURANCE IN FORCE OF WHICH WE RETAIN NEW INSURANCE ISSUED OF WHICH WE RETAIN REINSURANCE HEREUNDER PLAN OF INSURANCE EXPIRES RATES RATING -------------------------------------------------------------------------------------------------------------------
REMARKS: THIS CESSION ISSUED AT NEW YORK ON IS SUBJECT TO ALL THE TERMS ------------- AND CONDITIONS OF THE REINSURANCE AGREEMENT. NORTH AMERICAN REASSURANCE CO. /s/ Illegible ------------------------------------- Vice President, Operations & Planning L(POL) 100B 7/82 [LOGO] North American Reassurance Company P.O. Box 2888, New York, N.Y. 10163
OUR NO. YOUR NO. CESSION EFFECTIVE DATE POLICY DATE ------------------------------------------------------------------------------------------------------------------ NAME OF INSURED SEX AGE/BASIS DATE OF BIRTH STATE OF RESIDENCE SUBMISSION RETENTION MEDICAL ------------------------------------------------------------------------------------------------------------------ PAYOR OR JOINT INSURED LIFE POOL POOL RATIO PREVIOUS INSURANCE IN FORCE OF WHICH WE RETAIN NEW INSURANCE ISSUED OF WHICH WE RETAIN REINSURANCE HEREUNDER PLAN OF INSURANCE EXPIRES RATES RATING -------------------------------------------------------------------------------------------------------------------
REMARKS: THIS CESSION ISSUED AT NEW YORK ON IS SUBJECT TO ALL THE TERMS ------------- AND CONDITIONS OF THE REINSURANCE AGREEMENT. NORTH AMERICAN REASSURANCE CO. /s/ Illegible ------------------------------------- Vice President, Operations & Planning L(POL) 100A 7/82 NORTH AMERICAN REASSURANCE COMPANY [LOGO] 100 EAST 46TH STREET NEW YORK, NEW YORK 10017 212/907-8000 DESCRIPTION OF CESSION FORM (POL 100 A-B-C 1/76) The form represents our confirmation of reinsurance coverage. It serves as either the Yearly Renewable Term or Coinsurance cession, and will be used for New Issues, Changes in Policy and Extension Schedules. The form is three (3) ply. We retain one copy and an exact duplicate is mailed to you along with a third copy as a reinsurance record card. The bottom part of the card copy also has a Master Reference Card, which is intended to keep record of other policies in force on the life, if you wish. The cession will be produced by computer after processing your Confirmation of Reinsurance or Change Notification and premiums due will appear on our following monthly Premium Statement. If, after review of the completed cession for a particular issue, you should find any discrepancies, please return the cession indicating corrections and/or make remarks in the designated area on the form. We suggest that you still retain the card copy for your records until a corrected cession is received. 1/1/77 NORTH AMERICAN REASSURANCE COMPANY [LOGO] 100 EAST 46TH STREET NEW YORK, NEW YORK 10017 212/907-8000 Directions for completing the Application for Reinsurance Facultative and Automatic Submissions (Form POL 100) In the interest of improving reinsurance service, North American Re has adopted a new method for handling initial submissions, both AUTOMATIC and FACULTATIVE. The information requested is limited to the minimum needed to set up the initial records in our files and the form may be typed or handwritten. If handwritten, please write legibly (Accuracy is important). The form is 3 ply and contains: 1st Page - FACULTATIVE APPLICATION: (Facultative Submissions only). To be completed and forwarded to North American Re accompanied by other papers used in evaluation of risk. 2nd Page - CONFIRMATION OF REINSURANCE: (Facultative and Automatic Submissions). FOR FACULTATIVE - After you receive acceptance from NARe and have received first premium payment from insured, complete policy details and forward this form to us. FOR AUTOMATIC SUBMISSIONS - Discard page 1 Facultative Application, and submit Confirmation page only, after policy is reported paid to your company. 3rd Page - CANCELLATION NOTICE: Serves as either your carbon copy of the reinsurance details submitted until the formal cession is received by you or as notification to NARe that reinsurance applied for is not required. While applications are pending, Reinsurance Pending Inquiries are automatically generated from our system and it is therefore important that submission of the Confirmation and Cancellation notices are done on a timely schedule, to avert unnecessary inquiries and double checking of records. 1/1/77 Page 2 HOW TO COMPLETE: FACULTATIVE APPLICATION FORM Has the risk been submitted to NARe before, either formally or informally, please indicate yes or no. Complete proposed insured's Last Name, First Name and Middle Initial, Date of Birth, State of Birth and Residence, Sex and Age of Insured. If a second life is involved, complete information as above also for this life and indicate yes or no as to whether this life is also to be considered for reinsurance. Complete amount of insurance inforce with your company on this life, prior to this application and also amount retained by you as your own risk. Complete amount of new application, include additional risk and benefits that increase liability, amount proposed as your retention on this case - and Reinsurance applied for with NARe. Indicate preference for method of reply by NARe and complete with Name of your Company, State located, Date and, to facilitate communication on underwriting, Name of Underwriter submitting this case. Remark on any situation particular to this one case or give additional, information as needed. CONFIRMATION OF REINSURANCE If our reinsurance number for this particular case was given to you during application period, indicate such in the top right corner. If any amounts as applied for are changed, please indicate so in the space provided next to column LIFE amount applied for and X out or change also benefits if not issued or changed. For AUTOMATIC SUBMISSIONS, check appropriate box and indicate whether policy was issued on a Medical or Non-Medical basis. (Refer to explanation of how to complete form under FACULTATIVE APPLICATIONS for details of completion and continue as outlined below). SPECIAL ACCOUNT POOL - Applicable only when Experience Refund Rates are used. Policies that are rated 300% or over will automatically be placed in this pool, unless there is a Special Agreement to do otherwise. However, any policy other than substandard rating of 300% and over may be placed in the Special Account Pool. If so desired, please indicate by checking the box before the confirmation of Reinsurance is submitted. Page 3 CONFIRMATION OF REINSURANCE (continued) For the majority of cases, what remains to be completed is the Policy Data (Pink line down below the middle of the form): Policy Number, Interim Term (if any), Policy Date, Plans of Insurance, Issue Age-basis used, and Mortality Rating for this policy. Any comments you feel might be of help to us in processing and producing a cession can be written under Additional Information. The risk, premium and commission schedule is intended only for those Clients whose practice it has been to furnish us with this information and need not be completed if NARe is expected to provide calculations. It has a double heading, check type of reinsurance YRT or CO-MODCOINSURANCE. Complete information according to headings on line under type of reinsurance checked and specify type of benefits. If other headings are needed, change pre-printed headings to apply. CANCELLATION NOTICE If our reinsurance number for this particular case was given to you during application period, indicate such in the top right hand corner and check appropriate box for cancellation of application (Pink line, bottom of page). MONTHLY RENEWABLE TERM REINSURANCE PREMIUMS I. Monthly Standard Reinsurance Risk Premiums: The reinsurance premiums for the plans shown below will be the Company's gross cost of insurance rates attached to this Exhibit less the following percentage reductions: Years ------------------ Plan Class 1 2-10 11+ -------------- --------------- --- ---- --- Challenger Preferred 100% 23% 23% Nonsmoker 100 33 33 Smoker 100 33 33 Challenger/Max Preferred 100 11 11 Nonsmoker 100 19 19 Smoker 100 26 26 Contender Preferred 100 16 16 Nonsmoker 100 19 19 Smoker 100 30 30 Charger Preferred 100 50 30 Nonsmoker 100 50 40 Smoker 100 45 20 Charger/Max Preferred 100 11 11 Nonsmoker 100 19 23 Smoker 100 26 30 Charger/PT Nonsmoker 100 46 30 Special (Smoker) 100 36 25 II. Annualizing Monthly Premiums: Reinsurance on the above plans of insurance ceded on an individual cession basis shall employ annual reinsurance premiums developed by multiplying the monthly premium by the factor 11.5. III. Multiple Table Substandard Reinsurance Risk Premiums: The percentage premium reductions specified in Section I., above shall apply to multiple table substandard premiums. IV. Maximum amount of reinsurance on one life on these reinsurance premiums: $5,000,000. For the excess amount over $5,000,000 rate schedule NRN-5833 will apply. The nonsmoker rates in this schedule will be used for both preferred nonsmokers and nonsmokers. V. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary except for the Charger plan which shall not be eligible for recapture before the fifteenth policy anniversary. EXHIBIT B - Part 1 CHALLENGER Table #3 NON-SMOKER Page 3 of 4 MALE
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15 1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16 2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17 3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18 4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19 5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20 6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .127 21 7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .127 .127 22 8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .127 .127 .127 23 9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .127 .127 .127 .127 24 10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .127 .127 .127 .127 .127 25 11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .127 .127 .127 .127 .127 .127 26 12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .127 .127 .127 .127 .127 .127 .127 27 13 .110 .110 .120 .120 .130 .140 .140 .140 .127 .127 .127 .127 .127 .127 .127 .127 28 14 .110 .120 .120 .130 .140 .140 .140 .127 .127 .127 .127 .127 .127 .127 .127 .127 29 15 .120 .120 .130 .140 .140 .140 .127 .127 .127 .127 .127 .127 .127 .127 .127 .128 30 16 .120 .130 .140 .140 .140 .127 .127 .127 .127 .127 .127 .127 .127 .127 .128 .129 31 17 .130 .140 .140 .140 .127 .127 .127 .127 .127 .127 .127 .127 .127 .128 .129 .129 32 18 .140 .140 .140 .127 .127 .127 .127 .127 .127 .127 .127 .127 .128 .129 .129 .130 33 19 .140 .140 .127 .127 .127 .127 .127 .127 .127 .127 .127 .128 .129 .129 .130 .132 34 20 .140 .127 .127 .127 .127 .127 .127 .127 .127 .127 .128 .129 .129 .130 .132 .145 35 21 .127 .127 .127 .127 .127 .127 .127 .127 .127 .128 .129 .129 .130 .132 .145 .152 36 22 .127 .127 .127 .127 .127 .127 .127 .127 .128 .129 .129 .130 .132 .145 .152 .161 37 23 .127 .127 .127 .127 .127 .127 .127 .128 .129 .129 .130 .132 .145 .152 .161 .172 38 24 .127 .127 .127 .127 .127 .127 .128 .129 .129 .130 .132 .145 .152 .161 .172 .183 39 25 .127 .127 .127 .127 .127 .128 .129 .129 .130 .132 .145 .152 .161 .172 .183 .197 40 26 .127 .127 .127 .127 .128 .129 .129 .130 .132 .145 .152 .161 .172 .183 .197 .208 41 27 .127 .127 .127 .128 .129 .129 .130 .132 .145 .152 .161 .172 .183 .197 .208 .221 42 28 .127 .127 .128 .129 .129 .130 .132 .145 .152 .161 .172 .183 .197 .208 .221 .236 43 29 .127 .128 .129 .129 .130 .132 .145 .152 .161 .172 .183 .197 .208 .221 .236 .253 44 30 .128 .129 .129 .130 .132 .145 .152 .161 .172 .183 .197 .208 .221 .236 .253 .274 45 31 .129 .129 .130 .132 .145 .152 .161 .172 .183 .197 .208 .221 .236 .253 .274 .300 46 32 .129 .130 .132 .145 .152 .161 .172 .183 .197 .208 .221 .236 .253 .274 .300 .330 47 33 .130 .132 .145 .152 .161 .172 .183 .197 .208 .221 .236 .253 .274 .300 .330 .362 48 34 .132 .145 .152 .161 .172 .183 .197 .208 .221 .236 .253 .274 .300 .330 .362 .398 49 35 .145 .152 .161 .172 .183 .197 .208 .221 .236 .253 .274 .300 .330 .362 .398 .436 50 36 .152 .161 .172 .183 .197 .208 .221 .236 .253 .274 .300 .330 .362 .398 .436 .474 51 37 .161 .172 .183 .197 .208 .221 .236 .253 .274 .300 .330 .362 .398 .436 .474 .514 52 38 .172 .183 .197 .208 .221 .236 .253 .274 .300 .330 .362 .398 .436 .474 .514 .557 53 39 .183 .197 .208 .221 .236 .253 .274 .300 .330 .362 .398 .436 .474 .514 .557 .608 54 40 .197 .208 .221 .236 .253 .274 .300 .330 .362 .398 .436 .474 .514 .557 .608 .667 55 41 .204 .221 .236 .253 .274 .300 .330 .362 .398 .436 .474 .514 .557 .608 .667 .726 56 42 .212 .230 .253 .274 .300 .330 .362 .398 .436 .474 .514 .557 .608 .667 .726 .789 57 43 .220 .241 .267 .300 .330 .362 .398 .436 .474 .514 .557 .608 .667 .726 .789 .860 58 44 .230 .254 .286 .322 .362 .398 .436 .474 .514 .557 .608 .667 .726 .789 .860 .940 59 45 .243 .272 .307 .345 .387 .436 .474 .514 .557 .608 .667 .726 .789 .860 .940 1.030 60 46 .260 .291 .329 .369 .414 .462 .514 .557 .608 .667 .726 .789 .860 .940 1.030 1.120 61 47 .278 .312 .351 .394 .438 .486 .541 .608 .667 .726 .789 .860 .940 1.030 1.120 1.220 62 48 .297 .333 .375 .417 .461 .513 .572 .647 .726 .789 .860 .940 1.030 1.120 1.220 1.330 63 49 .317 .355 .397 .440 .487 .543 .609 .681 .762 .860 .940 1.030 1.120 1.220 1.330 1.450 64 50 .338 .375 .418 .463 .515 .578 .642 .715 .802 .905 1.030 1.120 1.220 1.330 1.450 1.590 65 51 .356 .394 .441 .490 .549 .609 .676 .753 .845 .956 1.090 1.220 1.330 1.450 1.590 1.730 66 52 .374 .415 .466 .522 .579 .642 .712 .795 .894 1.013 1.151 1.283 1.450 1.590 1.730 1.890 67 53 .393 .439 .496 .551 .609 .676 .752 .843 .949 1.070 1.210 1.344 1.505 1.730 1.890 2.060 68 54 .415 .466 .523 .579 .643 .716 .798 .895 1.005 1.126 1.267 1.399 1.577 1.793 2.060 2.210 69 55 .440 .490 .550 .610 .680 .760 .850 .950 1.060 1.180 1.320 1.470 1.640 1.840 2.070 2.333 70 56 .444 .499 .577 .669 .751 .820 .912 1.020 1.118 1.227 1.362 1.545 1.767 1.996 2.311 2.626 71 57 .448 .543 .657 .741 .790 .873 .980 1.055 1.133 1.254 1.449 1.693 1.922 2.272 2.553 2.963 72 58 .495 .600 .690 .752 .835 .958 1.049 1.158 1.248 1.431 1.647 1.852 2.159 2.422 2.951 3.333 73 59 .542 .640 .713 .797 .935 1.042 1.172 1.261 1.413 1.600 1.782 2.046 2.290 2.675 3.173 3.749 74 60 .589 .675 .759 .913 1.036 1.165 1.269 1.395 1.554 1.711 1.934 2.159 2.532 3.012 3.588 4.219 75 61 .636 .721 .890 1.029 1.165 1.262 1.377 1.507 1.641 1.821 2.027 2.388 2.852 3.428 4.101 4.750 76 62 .683 .868 1.023 1.151 1.259 1.359 1.461 1.571 1.708 1.896 2.244 2.691 3.267 3.983 4.544 5.344 77 63 .776 .947 1.088 1.246 1.411 1.521 1.635 1.762 1.923 2.211 2.578 3.052 3.689 4.271 5.075 6.009 78 64 .870 1.026 1.234 1.437 1.563 1.683 1.809 1.954 2.178 2.465 2.837 3.394 3.999 4.806 5.778 6.737 79 65 .963 1.221 1.423 1.580 1.715 1.845 1.983 2.145 2.352 2.622 3.100 3.726 4.537 5.546 6.530 7.514 80 66 1.081 1.359 1.577 1.744 1.896 2.044 2.204 2.395 2.638 2.945 3.478 4.174 5.071 6.187 7.259 8.330 81 67 1.212 1.498 1.730 1.920 2.098 2.274 2.467 2.698 2.986 3.336 3.929 4.697 5.681 6.901 7.854 9.232 82 68 1.358 1.640 1.885 2.106 2.322 2.542 2.784 3.070 3.413 3.812 4.470 5.308 6.374 7.696 8.903 10.214 83 69 1.521 1.791 2.048 2.305 2.570 2.850 3.160 3.515 3.923 4.380 5.107 6.013 7.157 8.574 9.928 11.340 84 70 1.699 1.949 2.220 2.515 2.842 3.200 3.595 4.035 4.519 5.038 5.840 6.813 8.029 9.537 10.993 12.597 85 71 1.907 2.157 2.445 2.773 3.145 3.555 4.013 4.532 5.100 5.692 6.584 7.657 8.992 10.646 12.232 13.678 86 72 2.137 2.367 2.672 3.043 3.480 3.969 4.522 5.144 5.815 6.490 7.476 8.642 10.081 11.86_ 13.452 14.855 87 73 2.360 2.598 2.920 3.340 3.850 4.432 5.095 5.840 6.629 7.399 8.489 9.754 11.303 13.226 14.804 16.109 88 74 2.582 2.852 3.191 3.665 4.260 4.950 5.741 6.630 7.558 8.436 9.640 11.009 12.672 14.742 15.665 17.190 89 75 2.805 3.131 3.487 4.022 4.713 5.527 6.468 7.527 8.617 9.618 10.946 12.424 13.822 15.220 16.618 18.016 90 18.668 91 19.327 92 20.416 93 22.077 94
CHALLENGER Table #3 NON-SMOKER Page 4 of 4 FEMALE
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15 1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16 2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17 3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18 4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19 5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20 6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .110 21 7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .110 .110 22 8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .110 .110 .110 23 9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .110 .110 .110 .110 24 10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .110 .110 .110 .110 .110 25 11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .110 .110 .110 .110 .110 .110 26 12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .110 .110 .110 .110 .110 .110 .110 27 13 .100 .100 .110 .110 .120 .120 .120 .120 .110 .110 .110 .110 .110 .110 .110 .110 28 14 .100 .110 .110 .120 .120 .120 .120 .110 .110 .110 .110 .110 .110 .110 .110 .110 29 15 .110 .110 .120 .120 .120 .120 .110 .110 .110 .110 .110 .110 .110 .110 .110 .111 30 16 .110 .120 .120 .120 .120 .110 .110 .110 .110 .110 .110 .110 .110 .110 .111 .112 31 17 .120 .120 .120 .120 .110 .110 .110 .110 .110 .110 .110 .110 .110 .111 .112 .112 32 18 .120 .120 .120 .110 .110 .110 .110 .110 .110 .110 .110 .110 .111 .112 .112 .113 33 19 .120 .120 .110 .110 .110 .110 .110 .110 .110 .110 .110 .111 .112 .112 .113 .115 34 20 .120 .110 .110 .110 .110 .110 .110 .110 .110 .110 .111 .112 .112 .113 .115 .119 35 21 .110 .110 .110 .110 .110 .110 .110 .110 .110 .111 .112 .112 .113 .115 .119 .127 36 22 .110 .110 .110 .110 .110 .110 .110 .110 .111 .112 .112 .113 .115 .119 .127 .136 37 23 .110 .110 .110 .110 .110 .110 .110 .111 .112 .112 .113 .115 .119 .127 .136 .147 38 24 .110 .110 .110 .110 .110 .110 .111 .112 .112 .113 .115 .119 .127 .136 .147 .158 39 25 .110 .110 .110 .110 .110 .111 .112 .112 .113 .115 .119 .127 .136 .147 .158 .171 40 26 .110 .110 .110 .110 .111 .112 .112 .113 .115 .119 .127 .136 .147 .158 .171 .182 41 27 .110 .110 .110 .111 .112 .112 .113 .115 .119 .127 .136 .147 .158 .171 .182 .193 42 28 .110 .110 .111 .112 .112 .113 .115 .119 .127 .136 .147 .158 .171 .182 .193 .206 43 29 .110 .111 .112 .112 .113 .115 .119 .127 .136 .147 .158 .171 .182 .193 .206 .221 44 30 .111 .112 .112 .113 .115 .119 .127 .136 .147 .158 .171 .182 .193 .206 .221 .240 45 31 .112 .112 .113 .115 .119 .127 .136 .147 .158 .171 .182 .193 .206 .221 .240 .263 46 32 .112 .113 .115 .119 .127 .136 .147 .158 .171 .182 .193 .206 .221 .240 .263 .291 47 33 .113 .115 .119 .127 .136 .147 .158 .171 .182 .193 .206 .221 .240 .263 .291 .320 48 34 .115 .119 .127 .136 .147 .158 .171 .182 .193 .206 .221 .240 .263 .291 .320 .352 49 35 .119 .127 .136 .147 .158 .171 .182 .193 .206 .221 .240 .263 .291 .320 .352 .381 50 36 .127 .136 .147 .158 .171 .182 .193 .206 .221 .240 .263 .291 .320 .352 .381 .416 51 37 .136 .147 .158 .171 .182 .193 .206 .221 .240 .263 .291 .320 .352 .381 .416 .451 52 38 .147 .158 .171 .182 .193 .206 .221 .240 .263 .291 .320 .352 .381 .416 .451 .487 53 39 .158 .171 .182 .193 .206 .221 .240 .263 .291 .320 .352 .381 .416 .451 .487 .525 54 40 .171 .182 .193 .206 .221 .240 .263 .291 .320 .352 .381 .416 .451 .487 .525 .567 55 41 .179 .193 .206 .221 .240 .263 .291 .320 .352 .381 .416 .451 .487 .525 .567 .615 56 42 .185 .201 .221 .240 .263 .291 .320 .352 .381 .416 .451 .487 .525 .567 .615 .670 57 43 .192 .211 .234 .263 .291 .320 .352 .381 .416 .451 .487 .525 .567 .615 .670 .725 58 44 .201 .222 .251 .284 .320 .352 .381 .416 .451 .487 .525 .567 .615 .670 .725 .784 59 45 .213 .238 .271 .305 .342 .381 .416 .451 .487 .525 .567 .615 .670 .725 .784 .849 60 46 .228 .257 .291 .326 .362 .405 .451 .487 .525 .567 .615 .670 .725 .784 .849 .923 61 47 .245 .276 .310 .344 .384 .426 .473 .525 .567 .615 .670 .725 .784 .849 .923 1.004 62 48 .263 .295 .328 .366 .404 .449 .494 .550 .615 .670 .725 .784 .849 .923 1.004 1.088 63 49 .280 .310 .348 .386 .426 .469 .518 .577 .647 .725 .784 .849 .923 1.004 1.088 1.178 64 50 .295 .329 .367 .405 .445 .491 .544 .607 .676 .755 .849 .923 1.004 1.088 1.178 1.276 65 51 .312 .346 .386 .423 .467 .516 .574 .635 .705 .788 .898 1.004 1.088 1.178 1.276 1.383 66 52 .328 .363 .402 .444 .490 .545 .600 .663 .737 .835 .947 1.050 1.178 1.276 1.383 1.503 67 53 .344 .379 .422 .467 .517 .570 .627 .695 .782 .881 .990 1.092 1.208 1.383 1.503 1.633 68 54 .358 .396 .443 .492 .542 .597 .658 .738 .827 .921 1.029 1.123 1.261 1.426 1.633 1.768 69 55 .374 .415 .467 .514 .567 .626 .700 .782 .867 .959 1.059 1.175 1.304 1.459 1.656 1.919 70 56 .376 .424 .486 .558 .619 .676 .751 .834 .908 .985 1.089 1.229 1.401 1.597 1.901 2.076 71 57 .380 .458 .548 .611 .651 .718 .802 .857 .909 1.002 1.152 1.342 1.538 1.869 2.018 2.214 72 58 .417 .500 .569 .620 .687 .784 .852 .929 .998 1.138 1.306 1.482 1.776 1.915 2.205 2.329 73 59 .452 .528 .5_8 .656 .765 .847 .941 1.008 1.124 1.268 1.426 1.683 1.810 1.999 2.217 2.597 74 60 .485 .556 .625 .747 .842 .935 1.014 1.109 1.232 1.369 1.591 1.707 1.892 2.105 2.485 2.906 75 61 .524 .593 .728 .83_ .953 1.009 1.095 1.195 1.313 1.498 1.602 1.784 1.993 2.375 2.825 3.289 76 62 .562 .710 .831 .924 1.006 1.081 1.158 1.257 1.405 1.499 1.677 1.880 2.263 2.743 3.146 3.714 77 63 .635 .769 .873 .996 1.122 1.206 1.308 1.449 1.520 1.652 1.801 2.114 2.541 2.957 3.527 4.183 78 64 .707 .823 .986 1.143 1.239 1.346 1.488 1.545 1.627 1.722 1.965 2.338 2.769 3.340 4.022 4.707 79 65 .773 .976 1.132 1.252 1.372 1.518 1.568 1.603 1.644 1.816 2.135 2.580 3.153 3.861 4.575 5.288 80 66 .864 1.081 1.250 1.395 1.560 1.616 1.647 1.674 1.827 2.028 2.408 2.901 3.530 4.323 5.110 5.899 81 67 .964 1.187 1.384 1.579 1.659 1.699 1.724 1.869 2.057 2.310 2.731 3.270 3.969 4.857 5.562 6.573 82 68 1.077 1.312 1.550 1.665 1.735 1.776 1.929 2.115 2.3_3 2.649 3.112 3.709 4.486 5.450 6.339 7.336 83 69 1.217 1.473 1.619 1.722 1.796 1.974 2.177 2.434 2.726 3.049 3.568 4.232 5.068 6.105 7.131 8.269 84 70 1.300 1.484 1.670 1.866 2.068 2.288 2.527 2.804 3.146 3.519 4.110 4.825 5.717 6.850 8.015 9.402 85 71 1.452 1.623 1.814 2.018 2.248 2.499 2.789 3.155 3.563 4.00_ 4.663 5.452 6.458 7.762 9.130 10.625 86 72 1.608 1.756 1.944 2.175 2.446 2.758 3.148 3.594 4.093 4.59_ 5.323 6.207 7.351 8.856 10.449 12.078 87 73 1.751 1.891 2.087 2.348 2.676 3.085 3.559 4.110 4.694 5.268 6.097 7.112 8.436 10.274 12.037 13.660 88 74 1.879 2.039 2.243 2.547 2.966 3.458 4.041 4.695 5.381 6.059 7.029 8.217 9.844 11.986 13.283 15.040 89 75 2.005 2.201 2.423 2.800 3.292 3.890 4.580 5.359 6.189 7.013 8.170 9._51 11.238 12.906 14.540 16.004 90 16.725 91 17.317 92 18.076 93 19.091 94
MALE
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15 1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16 2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17 3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18 4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19 5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20 6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .188 21 7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .188 .188 22 8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .188 .188 .188 23 9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .188 .188 .188 .188 24 10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .188 .188 .188 .188 .188 25 11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .188 .188 .188 .188 .188 .188 26 12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .188 .188 .188 .188 .188 .188 .188 27 13 .110 .110 .120 .120 .130 .140 .140 .140 .188 .188 .188 .188 .188 .188 .188 .188 28 14 .110 .120 .120 .130 .140 .140 .140 .188 .188 .188 .188 .188 .188 .188 .188 .188 29 15 .120 .120 .130 .140 .140 .140 .188 .188 .188 .188 .188 .188 .188 .188 .188 .188 30 16 .120 .130 .140 .140 .140 .188 .188 .188 .188 .188 .188 .188 .188 .188 .188 .190 31 17 .130 .140 .140 .140 .188 .188 .188 .188 .188 .188 .188 .188 .188 .188 .190 .192 32 18 .140 .140 .140 .188 .188 .188 .188 .188 .188 .188 .188 .188 .188 .190 .192 .196 33 19 .140 .140 .188 .188 .188 .188 .188 .188 .188 .188 .188 .188 .190 .192 .196 .201 34 20 .140 .188 .188 .188 .188 .188 .188 .188 .188 .188 .188 .190 .192 .196 .201 .223 35 21 .188 .188 .188 .188 .188 .188 .188 .188 .188 .188 .190 .192 .196 .201 .223 .236 36 22 .188 .188 .188 .188 .188 .188 .188 .188 .188 .190 .192 .196 .201 .223 .236 .252 37 23 .188 .188 .188 .188 .188 .188 .188 .188 .190 .192 .196 .201 .223 .236 .252 .271 38 24 .188 .188 .188 .188 .188 .188 .188 .190 .192 .196 .201 .223 .236 .252 .271 .292 39 25 .188 .188 .188 .188 .188 .188 .190 .192 .196 .201 .223 .236 .252 .271 .292 .316 40 26 .188 .188 .188 .188 .188 .190 .192 .196 .201 .223 .236 .252 .271 .292 .316 .335 41 27 .188 .188 .188 .188 .190 .192 .196 .201 .223 .236 .252 .271 .292 .316 .335 .356 42 28 .188 .188 .188 .190 .192 .196 .201 .223 .236 .252 .271 .292 .316 .335 .356 .379 43 29 .188 .188 .190 .192 .196 .201 .223 .236 .252 .271 .292 .316 .335 .356 .379 .407 44 30 .188 .190 .192 .196 .201 .223 .236 .252 .271 .292 .316 .335 .356 .379 .407 .440 45 31 .190 .192 .196 .201 .223 .236 .252 .271 .292 .316 .335 .356 .379 .407 .440 .483 46 32 .192 .196 .201 .223 .236 .252 .271 .292 .316 .335 .356 .379 .407 .440 .483 .530 47 33 .196 .201 .223 .236 .252 .271 .292 .316 .335 .356 .379 .407 .440 .483 .530 .583 48 34 .201 .223 .236 .252 .271 .292 .316 .335 .356 .379 .407 .440 .483 .530 .583 .640 49 35 .223 .236 .252 .271 .292 .316 .335 .356 .379 .407 .440 .483 .530 .583 .640 .701 50 36 .236 .252 .271 .292 .316 .335 .356 .379 .407 .440 .483 .530 .583 .640 .701 .763 51 37 .252 .271 .292 .316 .335 .356 .379 .407 .440 .483 .530 .583 .640 .701 .763 .826 52 38 .271 .292 .316 .335 .356 .379 .407 .440 .483 .530 .583 .640 .701 .763 .826 .896 53 39 .292 .316 .335 .356 .379 .407 .440 .483 .530 .583 .640 .701 .763 .826 .896 .977 54 40 .316 .335 .356 .379 .407 .440 .483 .530 .583 .640 .701 .763 .826 .896 .977 1.073 55 41 .333 .35_ .379 .407 .440 .483 .530 .583 .640 .701 .763 .826 .896 .977 1.073 1.179 56 42 .352 .380 .407 .440 .483 .530 .583 .640 .701 .763 .826 .896 .977 1.073 1.179 1.296 57 43 .378 .40_ .436 .483 .530 .583 .640 .701 .763 .826 .896 .977 1.073 1.179 1.296 1.428 58 44 .404 .433 .467 .518 .583 .640 .701 .763 .826 .896 .977 1.073 1.179 1.296 1.428 1.581 59 45 .430 .463 .500 .555 .624 .701 .763 .826 .896 .977 1.073 1.179 1.296 1.428 1.581 1.760 60 46 .457 .494 .535 .595 .669 .752 .826 .896 .977 1.073 1.179 1.296 1.428 1.581 1.760 1.938 61 47 .485 .527 .573 .637 .716 .805 .887 .977 1.073 1.179 1.296 1.428 1.581 1.760 1.938 2.132 62 48 .516 .563 .613 .683 .767 .862 .951 1.05_ 1.179 1.296 1.428 1.581 1.760 1.938 2.132 2.342 63 49 .548 .601 .657 .732 .822 .923 1.020 1.130 1.266 1.428 1.581 1.760 1.938 2.132 2.342 2.567 64 50 .583 .642 .703 .785 .880 .988 1.093 1.214 1.359 1.531 1.760 1.938 2.132 2.342 2.567 2.808 65 51 .619 .685 .753 .841 .942 1.058 1.172 1.304 1.460 1.642 1.877 2.132 2.342 2.567 2.808 3.071 66 52 .658 .731 .806 .902 1.009 1.132 1.257 1.402 1.567 1.760 2.002 2.264 2.567 2.808 3.071 3.351 67 53 .699 .781 .863 .966 1.081 1.212 1.348 1.507 1.683 1.887 2.136 2.404 2.714 3.071 3.351 3.639 68 54 .743 .834 .925 1.036 1.158 1.298 1.445 1.619 1.807 2.024 2.278 2.552 2.867 3.227 3.639 3.924 69 55 .790 .890 .990 1.110 1.240 1.390 1.550 1.740 1.940 2.170 2.430 2.710 3.030 3.390 3.790 4.204 70 56 .833 .923 1.087 1.230 1.345 1.502 1.689 1.859 2.038 2.273 2.553 2.875 3.248 3.675 4.000 4.527 71 57 .876 .956 1.184 1.351 1.449 1.614 1.829 1.978 2.136 2.376 2.676 3.041 3.466 3.960 4.211 4.892 72 58 .919 1.048 1.284 1.462 1.578 1.745 1.952 2.110 2.284 2.542 2.867 3.266 3.740 4.297 4.591 5.273 73 59 .963 1.140 1.384 1.573 1.707 1.876 2.076 2.242 2.432 2.707 3.057 3.491 4.014 4.634 4.970 5.689 74 60 1.006 1.231 1.484 1.684 1.837 2.006 2.199 2.374 2.580 2.873 3.248 3.715 4.288 4.970 5.350 6.145 75 61 1.027 1.323 1.584 1.795 1.966 2.137 2.323 2.506 2.728 3.038 3.438 3.940 4.562 5.307 5.729 6.646 76 62 1.092 1.415 1.684 1.906 2.095 2.268 2.446 2.638 2.876 3.204 3.629 4.165 4.836 5.644 6.109 7.186 77 63 1.165 1.502 1.777 1.998 2.188 2.365 2.549 2.753 3.010 3.356 3.806 4.378 5.097 5.963 6.650 7.773 78 64 1.237 1.588 1.869 2.091 2.282 2.462 2.651 2.869 3.144 3.507 3.983 4.591 5.359 6.283 7.192 8.387 79 65 1.310 1.675 1.962 2.183 2.375 2.559 2.754 2.984 3.278 3.659 4.160 4.804 5.620 6.602 7.733 9.008 80 66 1.387 1.755 2.044 2.265 2.466 2.661 2.873 3.12_ 3.447 3.853 4.404 5.115 6.016 7.107 8.376 9.622 81 67 1.466 1.819 2.105 2.340 2.559 2.777 3.014 3.300 3.656 4.088 4.683 5.447 6.413 7.586 8.348 10.278 82 68 1.544 1.869 2.151 2.406 2.654 2.907 3.185 3.515 3.910 4.370 5.035 5.877 6.940 8.242 9.805 10.967 83 69 1.623 1.913 2.189 2.465 2.750 3.050 3.382 3.764 4.202 4.692 5.421 6.328 7.466 8.871 10.590 11.748 84 70 1.699 1.949 2.220 2.515 2.842 3.200 3.595 4.035 4.519 5.038 5.840 6.813 8.029 9.537 10.993 12.597 85 71 1.907 2.157 2.445 2.773 3.145 3.555 4.013 4.532 5.100 5.692 6.584 7.657 8.992 10.646 12.232 13.678 86 72 2.137 2.367 2.672 3.043 3.480 3.969 4.522 5.144 5.815 6.490 7.476 8.642 10.081 11.866 13.452 14.855 87 73 2.360 2.598 2.920 3.340 3.850 4.432 5.095 5.840 6.629 7.399 8.489 9.754 11.303 13.226 14.304 16.109 88 74 2.582 2.852 3.191 3.665 4.2_0 4.950 5.741 6.630 7.558 8.436 9.640 11.009 12.672 14.742 15.665 17.1_0 89 75 2.805 3.131 3.487 4.022 4.713 5.527 6.468 7.527 8.617 9.618 10.946 12.424 13.822 15.220 16.618 18.016 90 18.668 91 19.327 92 20.416 93 22.077 94
CHALLENGER Table #3 Page 2 of 4 SPECIAL CLASS FEMALE
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15 1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16 2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17 3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18 4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19 5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20 6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .163 21 7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .163 .163 22 8 .090 .090 .O90 .090 .090 .100 .100 .110 .110 .120 l20 .120 .120 .163 .163 .163 23 9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .163 .163 .163 .163 24 10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .163 .163 .163 .163 .163 25 11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .163 .163 .163 .163 .163 .163 26 12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .163 .163 .163 .163 .163 .163 .163 27 13 .100 .100 .110 .110 .120 .120 .120 .120 .163 .163 .163 .163 .163 .163 .163 .163 28 14 .100 .110 .110 .120 .120 .120 .120 .163 .163 .163 .163 .163 .163 .163 .163 .163 29 15 .110 .110 .120 .120 .120 .120 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 30 16 .110 .120 .120 .120 .120 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .165 31 17 .120 .120 .120 .120 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .165 .167 32 18 .120 .120 .120 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .165 .167 .170 33 19 .120 .120 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .165 .167 .170 .175 34 20 .120 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .165 .167 .170 .175 .184 35 21 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .165 .167 .170 .175 .184 .197 36 22 .163 .163 .163 .163 .163 .163 .163 .163 .163 .165 .167 .170 .175 .184 .197 .213 37 23 .163 .163 .163 .163 .163 .163 .163 .163 .165 .167 .170 .175 .184 .197 .213 .232 38 24 .163 .163 .163 .163 .163 .163 .163 .165 .167 .170 .175 .184 .197 .213 .232 .253 39 25 .163 .163 .163 .163 .163 .163 .165 .167 .170 .175 .184 .197 .213 .232 .253 .275 40 26 .163 .163 .163 .163 .163 .165 .167 .170 .175 .184 .197 .213 .232 .253 .275 .293 41 27 .163 .163 .163 .163 .165 .167 .170 .175 .184 .197 .213 .232 .253 .275 .293 .311 42 28 .163 .163 .163 .165 .167 .170 .175 .184 .197 .213 .232 .253 .275 .293 .311 .331 43 29 .163 .163 .165 .167 .170 .175 .184 .197 .213 .232 .253 .275 .293 .311 .331 .355 44 30 .163 .165 .l67 .170 .175 .184 .197 .213 .232 .253 .275 .293 .311 .331 .355 .385 45 31 .165 .167 .170 .175 .184 .197 .213 .232 .253 .275 .293 .311 .331 .355 .385 .424 46 32 .167 .170 .175 .184 .197 .213 .232 .253 .275 .293 .311 .331 .355 .385 .424 .467 47 33 .170 .175 .184 .197 .213 .232 .253 .275 .293 .311 .331 .355 .385 .424 .467 .515 48 34 .175 .184 .197 .213 .232 .253 .275 .293 .311 .331 .355 .385 .424 .467 .515 .56_ 49 35 .184 .197 .213 .232 .253 .275 .293 .311 .331 .355 .385 .424 .467 .515 .566 .619 50 36 .197 .213 .232 .253 .275 .293 .311 .331 .355 .385 .424 .467 .515 .566 .619 .668 51 37 .213 .232 .253 .275 .293 .311 .331 .355 .385 .424 .467 .515 .566 .619 .668 .716 52 38 .232 .253 .275 .293 .311 .331 .355 .385 .424 .467 .515 .566 .619 .668 .716 .769 53 39 .253 .275 .293 .311 .331 .355 .385 .424 .467 .515 .566 .619 .668 .716 .769 .831 54 40 .275 .293 .311 .331 .355 .385 .424 .467 .515 .566 .619 .668 .716 .769 .831 .908 55 41 .291 .311 .331 .355 .385 .424 .467 .515 .566 .619 .668 .716 .769 .831 .908 1.001 56 42 .308 .332 .355 .385 .424 .467 .515 .566 .619 .668 .716 .769 .831 .908 1.001 1.106 57 43 .330 .354 .382 .424 .467 .515 .566 .619 .668 .716 .769 .831 .908 1.001 1.106 1.222 58 44 .352 .379 .410 .456 .515 .566 .619 .668 .716 .769 .831 .908 1.001 1.106 1.222 1.349 59 45 .376 .406 .441 .490 .552 .619 .668 .716 .769 .831 .908 1.001 1.106 1.222 1.349 1.485 60 46 .401 .435 .473 .526 .591 .658 .716 .769 .831 .908 1.001 1.106 1.222 1.349 1.485 1.618 61 47 .427 .466 .507 .562 .627 .698 .761 .831 .908 1.001 1.106 1.222 1.349 1.485 1.618 1.763 62 48 .456 .498 .541 .598 .665 .740 .809 .889 1.001 1.106 1.222 1.349 1.485 1.618 1.763 1.908 63 49 .485 .531 .575 .635 .705 .785 .863 .959 1.080 1.222 1.349 1.485 1.618 1.763 1.908 2.063 64 50 .515 .562 .609 .674 .748 .836 .928 1.036 1.163 1.306 1.485 1.618 1.763 1.908 2.063 2.228 65 51 .542 .594 .646 .715 .797 .898 1.000 1.116 1.24_ 1.385 1.567 1.763 1.908 2.063 2.228 2.402 66 52 .570 .627 .686 .763 .857 .966 1.076 1.196 1.322 1.469 1.656 1.844 2.063 2.228 2.402 2.587 67 53 .600 .664 .730 .820 .923 1.037 1.150 1.272 1.405 1.560 1.740 1.932 2.153 2.402 2.587 2.783 68 54 .632 .706 .785 .884 .991 1.108 1.219 1.352 1.494 1.649 1.831 2.025 2.242 2.491 2.783 2.994 69 55 .669 .756 .845 .950 1.058 1.173 1.294 1.439 1.580 1.744 1.928 2.120 2.339 2.593 2.892 3.217 70 56 .707 .788 .930 1.050 1.135 1.254 1.397 1.515 1.638 1.804 1.997 2.220 2.484 2.804 3.061 3.447 71 57 .748 .818 1.010 1.140 1.210 1.335 1.490 1.590 1.695 1.858 2.066 2.326 2.645 3.030 3.206 3.681 72 58 .786 .894 1.083 1.221 1.305 1.422 1.5_9 1.674 1.786 1.962 2.193 2.492 2.862 3.272 3.455 3.912 73 59 .822 .962 1.155 1.301 1.391 1.508 1.647 1.754 1.878 2.070 2.332 2.671 3.056 3.487 3.687 4.140 74 60 .849 1.02_ 1.227 1.372 1.476 1.592 1.720 1.833 1.973 2.192 2.485 2.829 3.227 3.687 3.893 4.393 75 61 .857 1.094 1.290 1.443 1.560 1.671 1.793 1.917 2.081 2.325 2.618 2.965 3.385 3.862 4.096 4.672 76 62 .903 1.153 1.353 1.512 1.639 1.751 1.871 2.013 2.201 2.440 2.731 3.090 3.519 4.035 4.295 4.994 77 63 .949 1.207 1.410 1.563 1.689 1.809 1.945 2.107 2.292 2.525 2.824 3.186 3.644 4.192 4.622 5.411 78 64 .994 1.260 1.462 1.614 1.745 1.878 2.029 2.185 2.366 2.602 2.899 3.282 3.767 4.366 5.007 5.859 79 65 1.039 1.310 1.515 1.669 1.812 1.958 2.097 2.245 2.432 2.663 2.974 3.377 3.906 4.596 5.402 6.340 80 66 1.085 1.355 1.563 1.728 1.887 2.026 2.1_2 2.319 2.508 2.754 3.096 3.555 4.188 4.965 5.895 6.814 81 67 1.132 1.391 1.606 1.791 1.949 2.090 2.236 2.401 2.614 2.874 3.255 3.7_2 4.480 5.339 5.912 7.318 82 68 1.181 1.426 1.646 1.832 1.997 2.157 2.318 2.513 2.749 3.037 3.505 4.106 4.885 5.837 6.981 7.877 83 69 1.238 1.464 1.667 1.855 2.040 2.220 2.418 2.646 2.920 3.266 3.787 4.454 5.287 6._16 7.606 8.566 84 70 1.300 1.484 1.670 1.866 2.068 2.288 2.527 2.804 3.146 3.519 4.110 4.825 5.717 6.850 8.015 9.402 85 71 1.452 1.623 1.814 2.018 2.248 2.499 2.7_9 3.155 3.563 4.006 4.663 5.452 6.458 7.762 9.130 10.625 86 72 1.608 1.756 1.944 2.175 2.446 2.758 3.148 3.594 4.093 4.59_ 5.323 6.207 7.351 8.856 10.449 12.078 87 73 1.751 1.891 2.087 2.348 2.676 3.085 3.559 4.110 4.694 5.268 6.097 7.112 8.436 10.274 12.037 13.660 88 74 1.879 2.039 2.243 2.547 2.966 3.458 4.041 4.695 5.381 6.059 7.029 8.217 9.844 11.986 13.283 15.040 89 75 2.005 2.201 2.423 2.800 3.292 3.890 4.580 5.359 6.189 7.013 8.170 9.651 11.238 12.906 14.540 16.004 90 16.725 91 17.317 92 18.07_ 93 19.0_1 94
CHALLENGER Table #4 Page 1 of 2 PREFERRED NON-SMOKER MALE
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15 1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16 2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17 3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18 4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19 5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20 6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .089 21 7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .089 .089 22 8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .089 .089 .089 23 9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .089 .089 .089 .089 24 10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .089 .089 .089 .089 .089 25 11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .089 .089 .089 .089 .089 .089 26 12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .089 .089 .089 .089 .089 .089 .089 27 13 .110 .110 .120 .120 .130 .140 .140 .140 .089 .089 .089 .089 .089 .089 .089 .089 28 14 .110 .120 .120 .130 .140 .140 .140 .089 .089 .089 .089 .089 .089 .089 .089 .089 29 15 .120 .120 .130 .140 .140 .140 .089 .089 .089 .089 .089 .089 .089 .089 .089 .090 30 16 .120 .130 .140 .140 .140 .089 .089 .089 .089 .089 .089 .089 .089 .089 .090 .090 31 17 .130 .140 .140 .140 .089 .089 .089 .089 .089 .089 .089 .089 .089 .090 .090 .090 32 18 .140 .140 .140 .089 .089 .089 .089 .089 .089 .089 .089 .089 .090 .090 .090 .091 33 19 .140 .140 .089 .089 .089 .089 .089 .089 .089 .089 .089 .090 .090 .090 .091 .092 34 20 .140 .089 .089 .089 .089 .089 .089 .089 .089 .089 .090 .090 .090 .091 .092 .102 35 21 .089 .089 .089 .089 .089 .089 .089 .089 .089 .090 .090 .090 .091 .092 .102 .106 36 22 .089 .089 .089 .089 .089 .089 .089 .089 .090 .090 .090 .091 .092 .102 .106 .113 37 23 .089 .089 .089 .089 .089 .089 .089 .090 .090 .090 .091 .092 .102 .106 .113 .120 38 24 .089 .089 .089 .089 .089 .089 .090 .090 .090 .091 .092 .102 .106 .113 .120 .128 39 25 .089 .089 .089 .089 .089 .090 .090 .090 .091 .092 .102 .106 .113 .120 .128 .138 40 26 .089 .089 .089 .089 .090 .090 .090 .091 .092 .102 .106 .113 .120 .128 .138 .147 41 27 .089 .089 .089 .090 .090 .090 .091 .092 .102 .106 .113 .120 .128 .138 .147 .157 42 28 .089 .089 .090 .090 .090 .091 .092 .102 .106 .113 .120 .128 .138 .147 .157 .169 43 29 .089 .090 .090 .090 .091 .092 .102 .106 .113 .120 .128 .138 .147 .157 .169 .182 44 30 .090 .090 .090 .091 .092 .102 .106 .113 .120 .128 .138 .147 .157 .169 .182 .199 45 31 .090 .090 .091 .092 .102 .106 .113 .120 .128 .138 .147 .157 .169 .182 .199 .219 46 32 .090 .091 .092 .102 .106 .113 .120 .128 .138 .147 .157 .169 .182 .199 .219 .243 47 33 .091 .092 .102 .106 .113 .120 .128 .138 .147 .157 .169 .182 .199 .219 .243 .268 48 34 .092 .102 .106 .113 .120 .128 .138 .147 .157 .169 .182 .199 .219 .243 .268 .297 49 35 .102 .106 .113 .120 .128 .138 .147 .157 .169 .182 .199 .219 .243 .268 .297 .327 50 36 .106 .113 .120 .128 .138 .147 .157 .169 .182 .199 .219 .243 .268 .297 .327 .356 51 37 .113 .120 .128 .138 .147 .157 .169 .182 .199 .219 .243 .268 .297 .327 .355 .386 52 38 .120 .128 .138 .147 .157 .169 .182 .199 .219 .243 .268 .297 .327 .355 .385 .418 53 39 .128 .138 .147 .157 .169 .182 .199 .219 .243 .268 .297 .327 .355 .385 .418 .456 54 40 .138 .147 .157 .169 .182 .199 .219 .243 .268 .297 .327 .355 .385 .418 .456 .500 55 41 .141 .157 .169 .182 .199 .219 .243 .268 .297 .327 .355 .385 .418 .456 .500 .545 56 42 .144 .159 .182 .199 .219 .243 .268 .297 .327 .355 .385 .418 .456 .500 .544 .592 57 43 .147 .165 .186 .219 .243 .268 .297 .327 .355 .385 .418 .456 .500 .544 .592 .645 58 44 .152 .172 .198 .229 .268 .297 .327 .355 .385 .418 .456 .500 .544 .592 .645 .705 59 45 .158 .182 .212 .245 .283 .327 .355 .385 .418 .456 .500 .544 .592 .645 .705 .773 60 46 .172 .197 .229 .264 .304 .341 .385 .418 .456 .500 .544 .592 .645 .705 .772 .846 61 47 .186 .214 .247 .284 .323 .360 .403 .456 .500 .544 .592 .645 .705 .772 .846 .927 62 48 .202 .231 .266 .302 .341 .382 .428 .486 .544 .592 .645 .705 .772 .846 .927 1.017 63 49 .219 .250 .285 .321 .362 .406 .457 .514 .578 .645 .705 .772 .846 .927 1.017 1.117 64 50 .237 .267 .302 .340 .385 .434 .484 .542 .611 .692 .772 .846 .927 1.017 1.116 1.232 65 51 .253 .284 .322 .363 .412 .459 .512 .573 .646 .734 .839 .927 1.017 1.116 1.232 1.349 66 52 .269 .302 .343 .389 .436 .486 .541 .607 .686 .781 .890 .995 1.116 1.232 1.349 1.484 67 53 .287 .323 .369 .413 .461 .514 .574 .647 .731 .828 .940 1.047 1.177 1.349 1.484 1.627 68 54 .307 .347 .392 .437 .489 .547 .612 .689 .777 .875 .988 1.095 1.240 1.415 1.627 1.757 69 55 .330 .269 .416 .464 .519 .583 .654 .735 .823 .920 1.034 1.156 1.296 1.460 1.649 1.866 70 56 .335 .378 .439 .511 .576 .631 .705 .792 .871 .960 1.069 1.217 1.398 1.585 1.842 2.101 71 57 .340 .414 .503 .569 .609 .675 .760 .822 .885 .983 1.140 1.336 1.522 1.805 2.036 2.370 72 58 .379 .460 .531 .581 .647 .744 .817 .905 .978 1.125 1.298 1.464 1.712 1.926 2.354 2.666 73 59 .417 .494 .552 .618 .727 .813 .917 .989 1.111 1.261 1.408 1.620 1._1_ 2.129 2.532 2.999 74 60 .456 .524 .591 .712 .810 .913 .996 1.097 1.225 1.352 1.531 1.713 2.013 2.400 2.864 3.375 75 61 .496 .563 .697 .807 .915 .993 1.085 1.190 1.298 1.442 1.608 1.898 2.270 2.733 3.275 3.800 76 62 .536 .682 .805 .907 .993 1.074 1.156 1.244 1.354 1.505 1.784 2.142 2.604 3.178 3.631 4.275 77 63 .613 .749 .861 .987 1.118 1.207 1.298 1.400 1.529 1.760 2.054 2.433 2.944 3.411 4.057 4.807 78 64 .692 .816 .982 1.144 1.245 1.341 1.442 1.558 1.737 1.967 2.265 2.711 3.195 3.842 4.620 5.390 79 65 .770 .977 1.138 1.264 1.372 1.476 1.586 1.716 1.882 2.098 2.480 2.981 3.630 4.437 5.224 6.011 80 66 .865 1.087 1.262 1.395 1.517 1.635 1.763 1.916 2.110 2.356 2.782 3.339 4.057 4.950 5.807 6.664 81 67 .970 1.198 1.384 1.536 1.678 1.819 1.974 2.158 2.389 2.669 3.143 3.758 4.545 5.521 6.283 7.386 82 68 1.086 1.312 1.508 1.685 1.858 2.034 2.227 2.456 2.730 3.050 3.57_ 4.246 5.099 6.157 7.122 8.171 83 69 1.217 1.433 1.638 1.844 2.056 2.280 2.528 2.812 3.138 3.504 4.086 4.810 5.726 6.859 7.942 9.072 84 10.078 85 10.942 86 11.884 87 12.887 88 13.752 89 14.413 90 14.934 91 15.462 92 16.333 93 17.662 94
CHALLANGER Table #4 Page 2 of 2 PREFERRED NON-SMOKER FEMALE
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15 1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16 2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17 3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18 4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19 5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20 6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .075 21 7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .075 .075 22 8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .075 .075 .075 23 9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .075 .075 .075 .075 24 10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .075 .075 .075 .075 .075 25 11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .075 .075 .075 .075 .075 .075 26 12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .075 .075 .075 .075 .075 .075 .075 27 13 .100 .100 .110 .110 .120 .120 .120 .120 .075 .075 .075 .075 .075 .075 .075 .075 28 14 .100 .110 .110 .120 .120 .120 .120 .075 .075 .075 .075 .075 .075 .075 .075 .075 29 15 .110 .110 .120 .120 .120 .120 .075 .075 .075 .075 .075 .075 .075 .075 .075 .075 30 16 .110 .120 .120 .120 .120 .075 .075 .075 .075 .075 .075 .075 .075 .075 .075 .076 31 17 .120 .120 .120 .120 .075 .075 .075 .075 .075 .075 .075 .075 .075 .075 .076 .076 32 18 .120 .120 .120 .075 .075 .075 .075 .075 .075 .075 .075 .075 .075 .076 .076 .077 33 19 .120 .120 .075 .075 .075 .075 .075 .075 .075 .075 .075 .075 .076 .076 .077 .078 34 20 .120 .075 .075 .075 .075 .075 .075 .075 .075 .075 .075 .076 .076 .077 .078 .079 35 21 .075 .075 .075 .075 .075 .075 .075 .075 .075 .075 .076 .076 .077 .078 .079 .083 36 22 .075 .075 .075 .075 .075 .075 .075 .075 .075 .076 .076 .077 .078 .079 .083 .087 37 23 .075 .075 .075 .075 .075 .075 .075 .075 .076 .076 .077 .078 .079 .083 .087 .092 38 24 .075 .075 .075 .075 .075 .075 .075 .076 .076 .077 .078 .079 .083 .087 .092 .097 39 25 .075 .075 .075 .075 .075 .075 .076 .076 .077 .078 .079 .083 .087 .092 .097 .103 40 26 .075 .075 .075 .075 .075 .076 .076 .077 .078 .079 .083 .087 .092 .097 .103 .109 41 27 .075 .075 .075 .075 .076 .076 .077 .078 .079 .083 .087 .092 .097 .103 .109 .116 42 28 .075 .075 .075 .076 .076 .077 .078 .079 .083 .087 .092 .097 .103 .109 .116 .124 43 29 .075 .075 .076 .076 .077 .078 .079 .083 .087 .092 .097 .103 .109 .116 .124 .133 44 30 .075 .076 .076 .077 .078 .079 .083 .087 .092 .097 .103 .109 .116 .124 .133 .145 45 31 .076 .076 .077 .078 .079 .083 .087 .092 .097 .103 .109 .116 .124 .133 .145 .159 46 32 .076 .077 .078 .079 .083 .087 .092 .097 .103 .109 .116 .124 .133 .145 .159 .177 47 33 .077 .078 .079 .083 .087 .092 .097 .103 .109 .116 .124 .133 .145 .159 .177 .195 48 34 .078 .079 .083 .087 .092 .097 .103 .109 .116 .124 .133 .145 .159 .177 .195 .214 49 35 .079 .083 .087 .092 .097 .103 .109 .116 .124 .133 .145 .159 .177 .195 .214 .232 50 36 .083 .087 .092 .097 .103 .109 .116 .124 .133 .145 .159 .177 .195 .214 .232 .255 51 37 .087 .092 .097 .103 .109 .116 .124 .133 .145 .159 .177 .195 .214 .232 .255 .279 52 38 .092 .097 .103 .109 .116 .124 .133 .145 .159 .177 .195 .214 .232 .255 .279 .303 53 39 .097 .103 .109 .116 .124 .133 .145 .159 .177 .195 .214 .232 .255 .279 .303 .329 54 40 .103 .109 .116 .124 .133 .145 .159 .177 .195 .214 .232 .255 .279 .303 .329 .357 55 41 .106 .116 .124 .133 .145 .159 .177 .195 .214 .232 .255 .279 .303 .329 .357 .390 56 42 .107 .118 .133 .145 .159 .177 .195 .214 .232 .255 .279 .303 .329 .357 .390 .427 57 43 .109 .122 .138 .159 .177 .195 .214 .232 .255 .279 .303 .329 .357 .390 .427 .465 58 44 .113 .127 .147 .169 .195 .214 .232 .255 .279 .303 .329 .357 .390 .427 .465 .506 59 45 .117 .134 .157 .181 .209 .232 .255 .279 .303 .329 .357 .390 .427 .465 .506 .552 60 46 .127 .146 .170 .194 .221 .249 .279 .303 .329 .357 .390 .427 .465 .506 .552 .600 61 47 .137 .158 .181 .206 .234 .262 .293 .329 .357 .390 .427 .465 .506 .552 .600 .653 62 48 .149 .170 .193 .219 .246 .276 .306 .343 .390 .427 .465 .506 .552 .600 .653 .707 63 49 .160 .180 .205 .232 .260 .288 .321 .360 .407 .465 .506 .552 .600 .653 .707 .766 64 50 .170 .192 .217 .244 .271 .302 .337 .379 .426 .479 .552 .600 .653 .707 .766 .829 65 51 .181 .203 .230 .255 .285 .317 .356 .397 .444 .500 .572 .653 .707 .766 .829 .899 66 52 .192 .215 .240 .268 .299 .335 .372 .414 .463 .529 .602 .671 .766 .829 .899 .977 67 53 .203 .226 .253 .283 .315 .350 .388 .433 .491 .557 .629 .697 .774 .899 .977 1.061 68 54 .213 .237 .267 .298 .331 .367 .407 .459 .518 .581 .653 .716 .808 .918 1.061 1.149 69 55 .224 .250 .283 .312 .346 .384 .433 .486 .543 .604 .671 .748 .835 .939 1.071 1.247 70 56 .226 .256 .294 .339 .378 .416 .466 .521 .572 .625 .694 .788 .903 1.035 1.239 1.360 71 57 .228 .276 .332 .372 .398 .443 .499 .538 .575 .639 .739 .866 .998 1.220 1.324 1.461 72 58 .250 .302 .345 .378 .421 .485 .532 .58_ .635 .731 .843 .963 1.1_1 1.259 1.458 1.549 73 59 .271 .319 .357 .400 .470 .525 .590 .638 .719 .819 .927 1.101 1.191 1.323 1.477 1.740 74 60 .291 .336 .380 .457 .518 .582 .638 .705 .792 .890 1.041 1.124 1.253 1.403 1.667 1.962 75 61 .314 .358 .443 .513 .578 .631 .692 .764 .849 .980 1.055 1.182 1.329 1.594 1.909 2.237 76 62 .337 .430 .507 .569 .625 .679 .736 .809 .914 .98_ 1.111 1.25_ 1.520 1.854 2.141 2.544 77 63 .381 .466 .534 .616 .700 .762 .836 .937 .995 1.094 1.201 1.419 1.718 2.013 2.417 2.886 78 64 .424 .499 .605 .709 .777 .854 .956 1.005 1.071 1.147 1.318 1.580 1.884 2.289 2.776 3.271 79 65 .464 .593 .696 .779 .864 .968 1.013 1.048 1.088 1.217 1.441 1.754 2.160 2.664 3.180 3.702 80 66 .518 .657 .769 .868 .983 1.031 1.064 1.095 1.209 1.359 1.625 1.973 2.418 2.983 3.551 4.129 81 67 .578 .721 .851 .983 1.045 1.084 1.114 1.222 1.362 1.548 1.843 2.22_ 2.719 3.351 3.8_6 4.601 82 68 .646 .797 .953 1.036 1.093 1.133 1.246 1.383 1.564 1.775 2.101 2.522 3.073 3.761 4.406 5.135 83 69 .730 .895 .996 1.072 1.131 1.259 1.406 1.592 1.805 2.043 2.408 2.878 3.472 4.212 4.956 5.788 84 6.581 85 7.438 86 8.455 87 9.562 88 10.528 89 11.203 90 11.708 91 12.122 92 12.653 93 13.364 94
CHALLENGER/MAX Table #14 Page 3 of 4 NON-SMOKER MALE
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15 1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16 2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17 3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18 4 .110 .110 100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19 5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20 6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .138 21 7 .100 100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .134 .138 22 8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .131 .134 .139 23 9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .127 .131 .135 .139 24 10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .123 .127 .131 .135 .139 25 11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .118 .123 .127 .131 .135 .139 26 12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .114 .118 .123 .127 .131 .135 .139 27 13 .110 .110 .120 .120 .130 .140 .140 .140 .110 .114 .118 .123 .127 .131 .135 .140 28 14 .110 .120 .120 .130 .140 .140 .140 .107 .110 .114 .118 .123 .127 .131 .136 .142 29 15 .120 .120 .130 .140 .140 .140 .102 .107 .110 .114 .118 .123 .127 .132 .138 .144 30 16 .120 .130 .140 .140 .140 .098 .102 .107 .110 .114 .118 .123 .128 .133 .139 .146 31 17 .130 .140 .140 .140 .096 .098 .102 .107 .110 .114 .118 .124 .129 .134 .141 .149 32 18 .140 .140 .140 .093 .096 .098 .102 .107 .110 .114 .119 .124 .129 .136 .144 .151 33 19 .140 .140 .090 .093 .096 .098 .102 .107 .110 .114 .119 .124 .131 .139 .145 .154 34 20 .141 .086 .090 .094 .096 .098 .102 .107 .111 .114 .119 .126 .133 .140 .149 .159 35 21 .083 .086 .092 .094 .096 .098 .102 .107 .111 .114 .121 .128 .134 .143 .151 .161 36 22 .084 .087 .093 .095 .097 .099 .103 .108 .112 .115 .121 .128 .135 .145 .155 .168 37 23 .085 .088 .094 .096 .098 .100 .104 .109 .113 .116 .122 .130 .139 .150 .162 .176 38 24 .086 .089 .095 .097 .099 .101 .105 .110 .114 .118 .125 .134 .144 .157 .170 .187 39 25 .087 .090 .096 .098 .100 .102 .106 .111 .115 .120 .128 .140 .151 .164 .180 .197 40 26 .088 .091 .097 .099 .101 .103 .107 .111 .116 .122 .131 .144 .157 .172 .190 .209 41 27 .089 .092 .098 .100 .102 .104 .108 .113 .119 .126 .137 .151 .166 .182 .202 .224 42 28 .089 .093 .099 .101 .103 .106 .111 .117 .125 .133 .145 .160 .176 .194 .217 .240 43 29 .090 .094 .100 .103 .106 .110 .115 .123 .132 .141 .155 .171 .188 .208 .233 .260 44 30 .092 .097 .103 .107 .110 .11_ .121 .130 .141 .151 .167 .184 .202 .224 .252 .283 45 31 .094 .100 .106 .111 .115 .121 .127 .138 .150 .162 .180 .197 .217 .242 .273 .307 46 32 .094 .102 .108 .115 .120 .128 .135 .147 .161 .175 .194 .213 .234 .262 .296 .334 47 33 .095 .104 .111 .119 .125 .134 .143 .156 .171 .187 .208 .229 .252 .282 .321 .362 48 34 .095 .104 .114 .123 .132 .141 .152 .166 .182 .200 .223 .247 .271 .305 .349 .393 49 35 .095 .10_ .117 .128 .138 .149 .162 .177 .194 .214 .240 .266 .293 .329 .379 .428 50 36 .096 .108 .122 .134 .146 .159 .173 .189 .208 .231 .259 .288 .317 .357 .413 .467 51 37 .098 .112 .129 .142 .156 .170 .187 .204 .225 .249 .280 .312 .344 .389 .450 .508 52 38 .103 .119 .137 .153 .167 .185 .203 .222 .245 .271 .304 .339 .376 .425 .490 .553 53 39 .108 .128 .148 .166 .180 .201 .221 .242 .267 .294 .331 .368 .410 .465 .533 .602 54 40 .115 .138 .159 .179 .194 .219 .240 .264 .291 .320 .360 .399 .448 .508 .580 .659 55 41 .125 .151 .174 .196 .212 .240 .264 .289 .319 .349 .393 .436 .492 .558 .635 .722 56 42 .134 .164 .189 .214 .231 .262 .288 .316 .347 .380 .427 .475 .539 .612 .695 .781 57 43 .143 .175 .204 .232 .251 .284 .313 .343 .376 .411 .462 .516 .588 .671 .761 .841 58 44 .152 .186 .219 .249 .272 .306 .338 .371 .404 .441 .498 .559 .641 .732 .833 .925 59 45 .162 .198 .235 .268 .295 .329 .365 .400 .434 .474 .537 .605 .697 .798 .910 1.010 60 46 .182 .221 .262 .298 .329 .366 .406 .443 .479 .522 .589 .666 .769 .880 1.003 1.102 61 47 .191 .233 .280 .318 .352 .392 .439 .479 .516 .564 .637 .721 .834 .956 1.087 1.205 62 48 .199 .248 .299 .340 .376 .424 .477 .522 .562 .615 .691 .783 .906 1.037 1.172 1.324 63 49 .208 .264 .319 .362 .400 .458 .520 .568 .612 .671 .751 .850 .983 1.123 1.261 1.457 64 50 .217 .281 .340 .387 .425 .495 .565 .618 .667 .732 .816 .921 1.066 1.215 1.354 1.601 65 51 .218 .290 .354 .404 .443 .523 .602 .660 .712 .785 .874 .989 1.143 1.304 1.447 1.758 66 52 .231 .310 .381 .436 .476 .563 .650 .712 .769 .850 .947 1.072 1.237 1.411 1.563 1.921 67 53 .245 .329 .408 .468 .510 .600 .695 .760 .821 .910 1.016 1.153 1.329 1.523 1.694 2.092 68 54 .260 .347 .436 .501 .545 .637 .739 .806 .871 .969 1.086 1.235 1.422 1.639 1.835 2.262 69 55 .275 .367 .466 .537 .584 .676 .784 .854 .923 1.031 1.162 1.325 1.523 1.764 1.985 2.441 70 56 .292 .388 .498 .577 .626 .717 .830 .903 .978 1.097 1.245 1.427 1.637 1.897 2.141 2.754 71 57 .312 .414 .536 .625 .677 .765 .880 .960 1.043 1.174 1.342 1.549 1.772 2.046 2.304 3.114 72 58 .337 .445 .580 .685 .739 .822 .933 1.022 1.119 1.261 1.455 1.700 1.939 2.212 2.466 3.508 73 59 .364 .481 .630 .754 .810 .883 .989 1.089 1.201 1.356 1.580 1.870 2.127 2.391 2.633 3.952 74 60 .396 .521 .685 .828 .886 .952 1.051 1.162 1.291 1.461 1.780 2.203 2.580 2.947 3.298 4.454 75 61 .446 .587 .772 .938 1.004 1.066 1.163 1.290 1.442 1.637 2.007 2.496 2.908 3.281 3.634 5.020 76 62 .505 .664 .867 1.054 1.133 1.195 1.295 1.434 1.612 1.837 2.261 2.806 3.253 3.640 4.013 5.653 77 63 .581 .761 .980 1.179 1.276 1.341 1.443 1.582 1.781 2.041 2.520 3.097 3.563 3.977 4.394 6.363 78 64 .670 .875 1.109 1.314 1.433 1.504 1.609 1.739 1.958 2.258 2.795 3.388 3.866 4.315 4.793 7.140 79 65 .764 .997 1.243 1.452 1.601 1.683 1.796 1.921 2.1_4 2.511 3.111 3.719 4.211 4.706 5.259 7.969 80 66 .858 1.116 1.375 1.590 1.773 1.879 2.014 2.146 2.423 2.826 3.494 4.131 4.655 5.207 5.849 8.839 81 67 .939 1.219 1.492 1.718 1.945 2.091 2.268 2.435 2.763 3.232 3.976 4.672 5.258 5.882 6.623 9.800 82 68 .990 1.276 1.559 1.818 2.099 2.309 2.558 2.812 3.224 3.780 4.621 5.445 6.139 6.819 7.657 10.848 83 69 1.031 1.325 1.631 1.919 2.253 2.547 2.886 3.245 3.754 4.412 5.350 6.304 7.108 7.887 8.821 12.049 84 70 1.067 1.379 1.703 2.012 2.415 2.812 3.257 3.740 4.364 5.129 6.156 7.245 8.212 9.091 10.181 13.390 85 71 1.078 1.393 1.717 2.046 2.516 3.021 3.576 4.192 4.919 5.765 6.853 8.103 9.227 10.250 11.471 14.543 86 72 1.086 1.396 1.722 2.073 2.620 3.24_ 3.927 4.686 5.515 6.439 7.623 9.044 10.392 11.554 12.921 15.799 87 73 1.179 1.518 1.875 2.261 2.859 3.545 4.281 5.087 5.956 6.957 8.228 9.801 11.275 12.545 14.032 17.136 88 74 1.281 1.653 2.046 2.467 3.121 3.864 4.647 5.495 6.435 7.510 8.916 10.632 12.242 13.624 15.218 18.289 89 75 1.395 1.803 2.231 2.693 3.403 4.195 5.020 5.938 6.946 8.138 9.673 11.545 13.296 14.775 16.245 19.170 90
CHALLENGER/MAX Table #14 Page 4 of 4 NON-SMOKER FEMALE
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15 1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16 2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17 3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18 4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19 5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20 6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .112 21 7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .109 .112 22 8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .107 .109 .112 23 9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .104 .107 .109 .112 24 10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .101 .104 .107 .109 .112 25 11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .098 .101 .104 .107 .109 .113 26 12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .096 .098 .101 .104 .107 .110 .113 27 13 .100 .100 .110 .110 .120 .120 .120 .120 .093 .096 .099 .101 .104 .107 .110 .114 28 14 .100 .110 .110 .120 .120 .120 .120 .090 .093 .096 .099 .101 .105 .107 .111 .116 29 15 .110 .110 .120 .120 .120 .120 .088 .090 .093 .096 .099 .102 .105 .109 .113 .117 30 16 .110 .120 .120 .120 .120 .085 .088 .091 .093 .096 .099 .102 .106 .110 .114 .119 31 17 .120 .120 .120 .120 .082 .085 .088 .091 .093 .096 .099 .104 .107 .111 .116 .121 32 18 .120 .120 .120 .079 .082 .085 .088 .091 .093 .096 .101 .105 .108 .113 .119 .123 33 19 .120 .120 .077 .079 .083 .085 .088 .091 .094 .098 .102 .105 .111 .116 .121 .125 34 20 .121 .074 .077 .081 .083 .085 .088 .091 .096 .099 .102 .108 .114 .118 .124 .129 35 21 .072 .074 .080 .081 .083 .085 .088 .093 .096 .099 .105 .111 .116 .122 .128 .135 36 22 .073 .075 .081 .082 .084 .086 .089 .094 .097 .100 .105 .111 .117 .123 .130 .142 37 23 .074 .076 .081 .083 .085 .087 .090 .095 .098 .101 .106 .113 .118 .125 .137 .150 38 24 .074 .077 .082 .084 .086 .087 .091 .096 .099 .103 .107 .115 .120 .133 .145 .161 39 25 .075 .078 .083 .085 .087 .088 .092 .096 .100 .103 .108 .117 .128 .140 .155 .171 40 26 .076 .079 .084 .086 .088 .089 .093 .096 .101 .104 .109 .122 .134 .149 .165 .183 41 27 .077 .080 .085 .087 .089 .090 .094 .098 .102 .105 .116 .129 .143 .158 .177 .194 42 28 .077 .081 .086 .088 .089 .092 .096 .100 .104 .112 .124 .138 .153 .170 .190 .209 43 29 .078 .082 .087 .089 .092 .095 .098 .103 .112 .121 .134 .148 .164 .182 .203 .227 44 30 .080 .084 .089 .093 .094 .098 .101 .110 .121 .130 .145 .161 .176 .196 .220 .248 45 31 .082 .087 .092 .095 .097 .101 .107 .118 .130 .141 .157 .172 .189 .211 .239 .269 46 32 .082 .089 .093 .097 .100 .108 .115 .127 .140 .153 .169 .186 .204 .229 .259 .295 47 33 .083 .089 .094 .099 .106 .115 .123 .135 .150 .163 .182 .200 .221 .247 .283 .320 48 34 .083 .089 .095 .104 .113 .122 .132 .145 .159 .175 .195 .216 .238 .269 .309 .348 49 35 .083 .089 .099 .109 .119 .129 .142 .155 .169 .187 .210 .233 .258 .291 .335 .374 50 36 .083 .091 .104 .116 .127 .139 .151 .165 .182 .202 .227 .254 .280 .316 .361 .410 51 37 .083 .096 .111 .123 .136 .148 .163 .178 .197 .218 .247 .276 .304 .340 .395 .446 52 38 .088 .103 .119 .134 .146 .161 .177 .194 .215 .239 .269 .300 .329 .373 .430 .484 53 39 .093 .111 .129 .145 .157 .176 .194 .212 .235 .260 .293 .322 .360 .408 .466 .520 54 40 .100 .121 .139 .156 .169 .192 .210 .233 .257 .283 .315 .350 .393 .444 .501 .560 55 41 .110 .132 .152 .171 .1_6 .210 .233 .255 .282 .305 .345 .383 .430 .482 .540 .612 56 42 .117 .143 .165 .187 .203 .231 .255 .279 .303 .334 .375 .415 .465 .520 .589 .663 57 43 .125 .153 .179 .203 .221 .251 .277 .300 .330 .361 .404 .446 .500 .568 .646 .709 58 44 .133 .163 .192 .220 .240 .271 .295 .326 .354 .386 .430 .475 .543 .622 .702 .771 59 45 .142 .173 .207 .237 .261 .287 .320 .351 .379 .409 .456 .512 .592 .673 .759 .833 60 46 .160 .195 .232 .263 .288 .321 .356 .387 .414 .444 .499 .566 .648 .734 .827 .908 61 47 .168 .206 .247 .278 .309 .344 .384 .414 .439 .478 .541 .608 .696 .788 .896 .992 62 48 .176 .220 .262 .298 .330 .371 .412 .444 .476 .522 .583 .653 .747 .855 .964 1.083 63 49 .184 .231 .280 .318 .350 .396 .442 .481 .520 .566 .626 .701 .810 .924 1.032 1.184 64 50 .189 .247 .299 .339 .367 .420 .479 .525 .562 .611 .673 .759 .877 .994 1.100 1.285 65 51 .191 .255 .310 .349 .377 .443 .511 .557 .594 .647 .720 .814 .935 1.059 1.161 1.405 66 52 .203 .271 .329 .371 .403 .478 .548 .594 .634 .701 .779 .877 1.005 1.132 1.249 1.528 67 53 .214 .284 .347 .397 .433 .506 .579 .627 .677 .749 .831 .937 1.067 1.218 1.347 1.658 68 54 .224 .295 .369 .426 .459 .531 .609 .665 .717 .793 .882 .991 1.137 1.304 1.455 1.810 69 55 .234 .311 .396 .452 .487 .557 .646 .703 .755 .838 .932 1.059 1.211 1.399 1.588 2.008 70 56 .247 .330 .419 .481 .516 .591 .683 .738 .794 .881 .995 1.135 1.298 1.518 1.761 2.177 71 57 .265 .349 .447 .515 .558 .629 .720 .780 .837 .938 1.067 1.228 1.418 1.683 1.821 2.327 72 58 .284 .371 .478 .565 .608 .673 .758 .820 .895 1.003 1.154 1.360 1.595 1.749 1.975 2.451 73 59 .304 .397 .520 .621 .663 .718 .794 .871 .955 1.075 1.264 1.538 1.681 1.787 2.130 2.738 74 60 .326 .429 .564 .677 .720 .764 .840 .924 1.023 1.169 1.464 1.742 1.928 2.060 2.284 2.068 75 61 .367 .483 .631 .762 .806 .852 .925 1.023 1.154 1.347 1.586 1.865 2.032 2.273 2.503 3.47_ 76 62 .416 .543 .704 .846 .905 .951 1.026 1.147 1.326 1.452 1.690 1.960 2.253 2.507 2.778 3.929 77 63 .475 .618 .786 .942 1.015 1.063 1.154 1.301 1.408 1.525 1.760 2.145 2.454 2.753 3.054 4.429 78 64 .544 .702 .8_6 1.045 1.136 1.203 1.323 1.375 1.463 1.577 1.936 2.334 2.677 2.999 3.336 4.989 79 65 .613 .7_7 .989 1.151 1.281 1.385 1.420 1.436 1.513 1.739 2.143 2.575 2.926 3.276 3.685 5.608 80 66 .636 .888 1.090 1.272 1.459 1.486 1.502 1.562 1.678 1.946 2.419 2.871 3.240 3.638 4.117 6.259 81 67 .747 .966 1.194 1.413 1.538 1.562 1.585 1.687 1.903 2.238 2.764 3.253 3.673 4.140 4.690 6.977 82 68 .785 1.021 1.282 1.424 1.568 1.613 1.772 1.937 2.232 2.627 3.217 3.805 4.321 4.829 5.452 7.791 83 69 .825 1.034 1.289 1.434 1.574 1.764 1.988 2.247 2.609 3.071 3.738 4.437 5.033 5.616 6.336 8.786 84 70 .830 1.050 1.295 1.493 1.757 2.011 2.289 2.599 3.038 3.583 4.332 5.131 5.847 6.530 7.423 9.994 85 71 .836 1.068 1.301 1.525 1.798 2.124 2.485 2.918 3.437 4.057 4.854 5.770 6.627 7.473 8.562 11.297 86 72 .855 1.087 1.320 1.552 1.842 2.256 2.734 3.274 3.882 4.560 5.428 6.49_ 7.573 8.623 10.037 12.846 87 73 .875 1.105 1.340 1.589 1.987 2.468 2.990 3.580 4.217 4.953 5.910 7.146 8.415 9.745 11.409 14.531 88 74 .932 1.182 1.438 1.714 2.173 2.699 3.271 3.891 4.581 5.394 6.501 7.936 9.510 11.077 12.904 16.002 89 75 .997 1.267 1.550 1.875 2.377 2.953 3.555 4.228 4.989 5.934 7.220 8.968 10.810 12.529 14.214 17.029 90
CHALLENGER/MAX SPECIAL CLASS MALE Table #14 Page 1 of 4
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15 1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16 2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17 3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18 4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19 5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20 6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .147 21 7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .146 .154 22 8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .146 .152 .162 23 9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .146 .152 .158 .169 24 10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .145 .151 .159 .165 .176 25 11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .144 .151 .157 .165 .171 .183 26 12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .144 .149 .156 .163 .171 .177 .190 27 13 .110 .110 .120 .120 .130 .140 .140 .140 .144 .148 .153 .161 .168 .177 .183 .198 28 14 .110 .120 .120 .130 .140 .140 .140 .143 .147 .153 .158 .167 .174 .184 .193 .205 29 15 .120 .120 .130 .140 .140 .140 .143 .146 .151 .157 .162 .172 .180 .190 .201 .212 30 16 .120 .130 .140 .140 .140 .142 .145 .149 .155 .161 .167 .177 .186 .196 .207 .219 31 17 .130 .140 .140 .140 .142 .144 .148 .152 .158 .165 .171 .183 .191 .202 .214 .226 32 18 .140 .140 .140 .142 .144 .146 .151 .155 .162 .169 .175 .188 .197 .208 .220 .233 33 19 .140 .140 .142 .143 .146 .148 .154 .158 .165 .173 .180 .193 .203 .215 .228 .241 34 20 .141 .141 .143 .145 .148 .150 .156 .161 .169 .178 .184 .199 .208 .221 .235 .248 35 21 .141 .142 .145 .145 .150 .152 .159 .164 .173 .182 .189 .204 .214 .227 .239 .255 36 22 .141 .143 .146 .148 .151 .154 .162 .167 .176 .186 .193 .204 .216 .232 .248 .266 37 23 .141 .143 .148 .150 .153 .156 .164 .170 .180 .187 .196 .209 .223 .241 .259 .282 38 24 .141 .144 .149 .151 .155 .158 .167 .173 .181 .190 .201 .216 .233 .253 .274 .299 39 25 .142 .145 .151 .153 .157 .160 .168 .175 .184 .194 .207 .227 .245 .267 .291 .318 40 26 .142 .145 .153 .154 .159 .162 .168 .176 .187 .199 .215 .237 .258 .283 .310 .343 41 27 .142 .145 .154 .156 .160 .164 .172 .182 .195 .208 .227 .252 .275 .302 .334 .371 42 28 .143 .146 .155 .160 .164 .170 .179 .192 .207 .223 .244 .270 .295 .325 .362 .403 43 29 .143 .147 .159 .165 .170 .179 .188 .204 .223 .240 .265 .291 .319 .353 .393 .438 44 30 .144 .154 .165 .173 .180 .191 .202 .220 .241 .262 .290 .317 .346 .383 .427 .478 45 31 .148 .161 .172 .182 .190 .203 .215 .237 .261 .285 .315 .344 .376 .416 .466 .524 46 32 .153 .166 .178 .192 .202 .217 .232 .256 .283 .311 .344 .375 .409 .454 .509 .576 47 33 .154 .170 .184 .201 .213 .231 .249 .275 .304 .336 .373 .408 .444 .493 .556 .632 48 34 .154 .172 .191 .210 .226 .245 .267 .295 .327 .363 .403 .442 .481 .535 .607 .693 49 35 .154 .175 .199 .220 .241 .262 .287 .317 .352 .393 .436 .480 .522 .581 .663 .755 50 36 .157 .180 .209 .234 .257 .283 .311 .344 .381 .426 .474 .523 .568 .633 .725 .823 51 37 .162 .189 .223 .250 .277 .306 .339 .374 .415 .464 .516 .569 .620 .693 .793 .896 52 38 .172 .204 .241 .273 .301 .335 .372 .410 .455 .507 .564 .622 .681 .761 .866 .976 53 39 .184 .223 .263 .298 .327 .369 .408 .450 .500 .556 .617 .678 .747 .835 .946 1.062 54 40 .197 .243 .286 .326 .356 .409 .448 .495 .549 .607 .675 .739 .818 .916 1.032 1.160 55 41 .215 .267 .314 .359 .390 .446 .493 .544 .603 .664 .737 .809 .900 1.007 1.130 1.268 56 42 .232 .291 .342 .392 .425 .489 .540 .597 .659 .724 .804 .882 .987 1.107 1.238 1.388 57 43 .249 .312 .370 .425 .464 .530 .588 .649 .713 .783 .871 .960 1.079 1.213 1.358 1.527 58 44 .265 .333 .399 .459 .505 .573 .636 .702 .769 .843 .940 1.041 1.176 1.326 1.487 1.680 59 45 .283 .354 .429 .494 .549 .617 .690 .760 .827 .907 1.014 1.127 1.282 1.447 1.626 1.835 60 46 .312 .388 .472 .543 .605 .678 .759 .834 .905 .992 1.106 1.235 1.407 1.589 1.785 2.003 61 47 .329 .413 .507 .583 .652 .732 .824 .905 .980 1.075 1.199 1.341 1.531 1.730 1.939 2.190 62 48 .346 .442 .545 .627 .699 .795 .901 .990 1.070 1.177 1.306 1.459 1.667 1.880 2.094 2.405 63 49 .363 .475 .585 .672 .746 .864 .987 1.084 1.172 1.290 1.424 1.588 1.812 2.040 2.255 2.647 64 50 .381 .509 .628 .721 .797 .937 1.078 1.184 1.280 1.410 1.550 1.726 1.968 2.210 2.426 2.910 65 51 .392 .536 .665 .765 .843 1.002 1.161 1.276 1.381 1.526 1.674 1.864 2.123 2.383 2.603 3.194 66 52 .417 .575 .717 .826 .906 1.080 1.255 1.378 1.493 1.654 1.814 2.021 2.298 2.580 2.813 3.491 67 53 .442 .610 .769 .888 .971 1.152 1.342 1.471 1.593 1.771 1.948 2.175 2.470 2.785 3.048 3.803 68 54 .469 .644 .822 .951 1.039 1.223 1.427 1.562 1.692 1.887 2.083 2.332 2.643 2.999 3.303 4.112 69 55 .498 .681 .879 1.021 1.115 1.299 1.515 1.656 1.793 2.009 2.229 2.503 2.832 3.228 3.575 4.437 70 56 :531 .723 .943 1.102 1.200 1.381 1.606 1.754 1.904 2.142 2.392 2.700 3.047 3.476 3.860 4.782 71 57 .572 .775 1.019 1.197 1.302 1.477 1.707 1.866 2.034 2.295 2.582 2.934 3.303 3.752 4.156 5.171 72 58 .620 .838 1.108 1.318 1.426 1.590 1.814 1.991 2.185 2.469 2.805 3.225 3.618 4.060 4.452 5.577 73 59 .676 .909 1.208 1.456 1.567 1.713 1.92_ 2.125 2.349 2.659 3.050 3.552 3.975 4.393 4.757 6.021 74 60 .738 .989 1.317 1.604 1.719 1.350 2.048 2.270 2.528 2.868 3.320 3.908 4.359 4.749 5.080 6.508 75 61 .787 1.050 1.393 1.705 1.828 1.943 2.124 2.360 2.645 3.008 3.508 4.155 4.617 4.975 5.273 7.042 76 62 .840 1.116 1.470 1.796 1.933 2.041 2.215 2.457 2.767 3.158 3.703 4.384 4.853 5.193 5.485 7.619 77 63 .911 1.203 1.560 1.882 2.040 2.146 2.312 2.538 2.861 3.283 3.867 4.539 4.993 5.337 5.657 8.244 78 64 .989 1.301 1.655 1.966 2.148 2.254 2.413 2.611 2.943 3.398 4.019 4.658 5.089 5.447 5.809 8.900 79 65 1.061 1.390 1.739 2.036 2.246 2.362 2.523 2.699 3.043 3.535 4.189 4.794 5.204 5.583 5.997 9.562 80 66 1.083 1.416 1.762 2.054 2.328 2.468 2.647 2.821 3.187 3.720 4.435 5.060 5.510 5.964 6.490 10.216 81 67 1.104 1.442 1.784 2.072 2.388 2.569 2.787 2.993 3.398 3.977 4.756 5.438 5.963 6.505 7.152 10.917 82 68 1.126 1.467 1.807 2.090 2.409 2.651 2.938 3.230 3.705 4.345 5.208 6.024 6.672 7.288 8.053 11.651 83 69 1.147 1.493 1.829 2.108 2.415 2.730 3.094 3.480 4.026 4.732 5.680 6.629 7.408 8.151 9.043 12.484 84 70 1.067 1.379 1.703 2.012 2.415 2.812 3.257 3.740 4.364 5.129 6.156 7.245 8.212 9.091 10.181 13.390 85 71 1.078 1.393 1.717 2.046 2.516 3.021 3.576 4.192 4.919 5.765 6.853 8.103 9.227 10.250 11.471 14.543 86 72 1.086 1.396 1.722 2.073 2.620 3.246 3.927 4.686 5.515 6.439 7.623 9.044 10.392 11.554 12.921 15.799 87 73 1.179 1.518 1.875 2.261 2.859 3.545 4.281 5.087 5.956 6.957 8.228 9.801 11.275 12.545 14.032 17.136 88 74 1.281 1.653 2.046 2.467 3.121 3.864 4.647 5.495 6.435 7.510 8.916 10.632 12.242 13.624 15.218 18.289 89 75 1.395 1.803 2.231 2.693 3.403 4.195 5.020 5.938 6.946 8.138 9.673 11.545 13.296 14.775 16.245 19.170 90
CHALLENGER/MAX SPECIAL CLASS FEMALE Table #14 Page 2 of 4
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15 1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16 2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17 3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18 4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19 5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .110 .110 .110 .120 .120 .120 .120 20 6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .127 21 7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .127 .134 22 8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .127 .132 .140 23 9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .127 .132 .137 147 24 10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .12_ .131 .138 .143 .153 25 11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .125 .131 .136 .143 .148 .159 26 12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .125 .129 .135 .141 .148 .153 .165 27 13 .100 .100 .110 .110 .120 .120 .120 .120 .125 .128 .133 .140 .146 .153 .159 .172 28 14 .100 .110 .110 .120 .120 .120 .120 .124 .127 .133 .137 .145 .151 .160 .167 .178 29 15 .110 .110 .120 .120 .120 .120 .124 .127 .131 .136 .140 .149 .156 .165 .178 .184 30 16 .110 .120 .120 .120 .120 .123 .126 .129 .134 .140 .145 .153 .161 .170 .189 .190 31 17 .120 .120 .120 .120 .123 .125 .128 .132 .137 .143 .148 .159 .166 .175 .195 .197 32 18 .120 .120 .120 .123 .125 .127 .131 .134 .140 .147 .152 .163 .171 .181 .201 .202 33 19 .120 .120 .123 .124 .127 .128 .134 .137 .143 .150 .156 .167 .176 .187 .202 .205 34 20 .121 .122 .124 .126 .128 .130 .135 .140 .147 .154 .160 .173 .181 .192 .203 .209 35 21 .122 .123 .126 .126 .130 .132 .138 .142 .150 .158 .164 .177 .186 .195 .205 .213 36 22 .122 .124 .127 .128 .131 .134 .140 .145 .153 .162 .168 .177 .188 .198 .207 .225 37 23 .122 .124 .128 .130 .133 .135 .142 .147 .156 .163 .170 .181 .191 .201 .219 .241 38 24 .122 .125 .129 .131 .134 .137 .145 .150 .157 .165 .173 .185 .194 .214 .235 .259 39 25 .123 .126 .131 .133 .136 .139 .146 .152 .160 .168 .176 .189 .207 .229 .252 .277 40 26 .123 .126 .133 .134 .138 .141 .146 .153 .164 .171 .179 .200 .221 .245 .270 .300 41 27 .123 .126 .134 .135 .139 .143 .149 .158 .168 .174 .192 .216 .238 .263 .292 .324 42 28 .124 .127 .134 .139 .143 .147 .155 .164 .173 .188 .209 .234 .257 .284 .316 .352 43 29 .124 .127 .138 .144 .147 .156 .162 .170 .188 .205 .230 .253 .279 .308 .343 .382 44 30 .125 .134 .144 .150 .154 .158 .169 .186 .206 .227 .252 .277 .302 .334 .372 .418 45 31 .129 .140 .149 .156 .161 .169 .182 .203 .226 .248 .276 .301 .328 .363 .408 .460 46 32 .133 .144 .152 .162 .169 .183 .199 .222 .246 .272 .301 .328 .357 .397 .447 .508 47 33 .134 .144 .155 .168 .180 .198 .216 .239 .266 .294 .326 .356 .388 .433 .490 .558 48 34 .134 .145 .159 .177 .193 .212 .232 .258 .286 .317 .352 .387 .422 .471 .536 .613 49 35 .135 .146 .168 .188 .209 .228 .251 .277 .307 .343 .381 .421 .460 .513 .586 .667 50 36 .136 .152 .179 .203 .224 .248 .272 .300 .332 .373 .416 .461 .502 .560 .640 .721 51 37 .137 .162 .193 .218 .242 .267 .296 .326 .363 .407 .455 .503 .548 .612 .694 .777 52 38 .147 .177 .210 .239 .263 .293 .324 .359 .399 .447 .498 .550 .601 .666 .751 .838 53 39 .159 .194 .230 .260 .286 .322 .357 .395 .441 .491 .546 .599 .654 .724 .812 .903 54 40 .171 .213 .250 .285 .311 .354 .393 .436 .485 .537 .596 .647 .709 .786 .878 .982 55 41 .188 .233 .274 .313 .341 .392 .434 .481 .533 .586 .645 .701 .772 .857 .956 1.077 56 42 .203 .254 .298 .343 .373 .431 .477 .528 .582 .634 .697 .757 .840 .937 1.051 1.185 57 43 .217 .272 .324 .373 .409 .468 .520 .573 .624 .679 .748 .817 .913 1.030 1.159 1.307 58 44 .231 .291 .350 .404 .446 .507 .562 .615 .667 .724 .800 .881 .998 1.132 1.272 1.433 59 45 .247 .310 .378 .436 .486 .545 .604 .659 .710 .771 .858 .957 1.094 1.238 1.387 1.548 60 46 .274 .342 .417 .480 .534 .593 .658 .716 .770 .839 .939 1.054 1.204 1.356 1.506 1.672 61 47 .290 .365 .449 .514 .571 .635 .707 .770 .829 .913 1.023 1.148 1.306 1.460 1.619 1.811 62 48 .306 .391 .481 .549 .606 .682 .766 .837 .908 1.004 1.118 1.245 1.407 1.570 1.732 1.959 63 49 .321 .420 .512 .583 .640 .735 .835 .920 1.000 1.104 1.215 1.340 1.513 1.687 1.837 2.127 64 50 .337 .446 .544 .619 .677 .793 .915 1.010 1.095 1.203 1.308 1.441 1.627 1.800 1.950 2.309 65 51 .343 .465 .571 .650 .713 .850 .991 1.092 1.179 1.287 1.398 1.541 1.730 1.915 2.065 2.498 66 52 .361 .493 .610 .699 .770 .922 1.074 1.176 1.260 1.381 1.500 1.646 1.847 2.047 2.200 2.695 67 53 .379 .519 .650 .754 .829 .986 1.145 1.242 1.330 1.464 1.587 1.748 1.959 2.178 2.353 2.908 68 54 .399 .545 .698 .811 .889 1.044 1.204 1.304 1.399 1.537 1.674 1.850 2.067 2.315 2.526 3.137 69 55 .422 .578 .750 .874 .951 1.096 1.265 1.370 1.460 1.615 1.769 1.958 2.186 2.469 2.728 3.395 70 56 .451 .617 .807 .941 1.013 1.153 1.328 1.429 1.530 1.700 1.871 2.085 2.330 2.652 2.954 3.641 71 57 .488 .663 .869 1.010 1.087 1.222 1.391 1.500 1.614 1.795 1.993 2.244 2.521 2.871 3.164 3.891 72 58 .530 .715 .935 1.101 1.179 1.296 1.458 1.580 1.709 1.906 2.146 2.461 2.769 3.092 3.350 4.138 73 59 .577 .767 1.008 1.204 1.277 1.377 1.528 1.662 1.814 2.033 2.327 2.718 3.026 3.306 3.529 4.382 74 60 .623 .826 1.089 1.307 1.381 1.468 1.602 1.753 1.933 2.188 2.540 2.976 3.280 3.523 3.697 4.653 75 61 .657 .808 1.134 1.371 1.450 1.519 1.639 1.805 2.018 2.302 2.671 3.127 3.426 3.620 3.770 4.950 76 62 .695 .909 1.181 1.425 1.512 1.576 1.694 1.875 2.118 2.405 2.737 3.252 3.531 3.713 3.856 5.295 77 63 .742 .967 1.238 1.472 1.575 1.641 1.764 1.942 2.179 2.470 2.869 3.303 3.570 3.752 3.932 5.739 78 64 .795 1.032 1.295 1.518 1.643 1.719 1.847 1.989 2.215 2.521 2.925 3.330 3.577 3.785 4.044 6.217 79 65 .842 1.087 1.343 1.557 1.714 1.807 1.921 2.031 2.258 2.573 2.995 3.370 3.617 3.887 4.189 6.730 80 66 .847 1.093 1.347 1.567 1.781 1.879 1.992 2.093 2.319 2.659 3.118 3.517 3.836 4.166 4.568 7.235 81 67 .952 1.103 1.361 1.586 1.784 1.933 2.068 2.178 2.430 2.796 3.306 3.786 4.166 4.578 5.065 7.773 82 68 .861 1.119 1.383 1.589 1.786 1.967 2.138 2.309 2.605 3.020 3.625 4.209 4.696 5.161 5.734 8.363 83 69 .875 1.143 1.393 1.591 1.789 1.987 2.212 2.446 2.798 3.294 3.968 4.666 5.246 5.803 6.495 9.103 84 70 .830 1.050 1.295 1.493 1.757 2.011 2.289 2.599 3.038 3.583 4.332 5.131 5.847 6.530 7.423 9.994 85 71 .836 1.063 1.301 1.525 1.798 2.124 2.485 2.918 3.437 4.057 4.854 5.770 6.627 7.473 8.562 11.297 86 72 .855 1.087 1.320 1.552 1.842 2.256 2.734 3.274 3.882 4.560 5.428 6.496 7.578 8.623 10.037 12.846 87 73 .875 1.105 1.340 1.589 1.987 2.468 2.990 3.580 4.217 4.953 5.910 7.146 8.415 9.745 11.409 14.531 88 74 .932 1.182 1.438 1.714 2.173 2.699 2.271 3.891 4.581 5.394 6.501 7.936 9.510 11.077 12.904 16.002 89 75 .997 1.267 1.550 1.875 2.377 2.953 3.555 4.228 4.989 5.934 7.220 8.968 10.810 12.529 14.214 17.029 90
CHALLENGER/MAX Table #15 Page 1 of 2 PREFERRED NON-SMOKER MALE
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15 1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16 2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17 3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18 4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19 5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20 6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .097 21 7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .093 .097 22 8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .093 .095 .097 23 9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .091 .093 .095 .097 24 10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .089 .091 .093 .095 .097 25 11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .087 .089 .091 .093 .095 .097 26 12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .084 .087 .089 .091 .093 .095 .097 27 13 .110 .110 .120 .120 .130 .140 .140 .140 .082 .084 .087 .089 .091 .093 .095 .098 28 14 .110 .120 .120 .130 .140 .140 .140 .081 .082 .084 .087 .089 .091 .093 .096 .099 29 15 .120 .120 .130 .140 .140 .140 .078 .081 .082 .084 .087 .089 .091 .094 .098 .101 30 16 .120 .130 .140 .140 .140 .075 .078 .081 .082 .084 .087 .089 .092 .095 .098 .102 31 17 .130 .140 .140 .140 .074 .075 .078 .081 .082 .084 .087 .090 .093 .096 .100 .104 32 18 .140 .140 .140 .073 .074 .075 .078 .081 .082 .084 .087 .090 .093 .097 .102 .106 33 19 .140 .140 .071 .073 .074 .075 .078 .081 .082 .084 .087 .090 .094 .099 .102 .108 34 20 .141 .068 .071 .073 .074 .075 .078 .081 .083 .084 .087 .092 .096 .100 .105 .111 35 21 .066 .068 .072 .073 .074 .075 .078 .081 .083 .084 .089 .093 .096 .102 .107 .113 36 22 .067 .069 .073 .074 .075 .076 .078 .081 .084 .085 .089 .093 .097 .103 .110 .118 37 23 .068 .070 .074 .075 .076 .077 .079 .082 .084 .086 .089 .094 .100 .107 .114 .123 38 24 .069 .071 .075 .076 .077 .077 .080 .083 .085 .087 .092 .097 .104 .112 .120 .131 39 25 .070 .071 .076 .076 .077 .078 .081 .084 .086 .089 .094 .102 .109 .117 .127 .138 40 26 .070 .072 .076 .077 .078 .079 .082 .084 .087 .091 .097 .105 .114 .123 .135 .147 41 27 .071 .073 .077 .078 .079 .081 .084 .086 .090 .094 .101 .111 .121 .131 .145 .159 42 28 .071 .074 .078 079 .081 .084 .086 .090 .094 .100 .108 .118 .129 .141 .156 .172 43 29 .072 .075 .079 .081 .084 .086 .090 .094 .100 .106 .116 .127 .138 .152 .169 .187 44 30 .074 .077 .081 .084 .086 .090 .094 .099 .107 .114 .125 .137 .149 .165 .184 .205 45 31 .075 .080 .084 .086 .090 .094 .099 .106 .114 .123 .136 .147 .161 .179 .201 .226 46 32 .075 .081 .085 .090 .094 .099 .105 .113 .123 .133 .147 .160 .175 .195 .219 .245 47 33 .076 .083 .088 .094 .098 .105 .111 .120 .131 .143 .158 .173 .190 .211 .239 .268 48 34 .076 .083 .090 .097 .104 .110 .118 .129 .140 .153 .170 .188 .205 .229 .261 .293 49 35 .076 .084 .093 .101 .109 .117 .126 .137 .150 .165 .184 .203 .223 .249 .286 .321 50 36 .076 .085 .095 .104 .113 .123 .133 .145 .159 .176 .197 .219 .240 .269 .311 .350 51 37 .076 .086 .099 .109 .119 .130 .143 .155 .171 .189 .212 .236 .259 .293 .338 .381 52 38 .078 .090 .103 .115 .126 .139 .153 .167 .184 .204 .229 .255 .282 .319 .368 .415 53 39 .080 .095 .110 .123 .134 .149 .164 .180 .199 .219 .247 .275 .307 .348 .399 .452 54 40 .083 .100 .116 .131 .142 .161 .176 .194 .215 .237 .267 .297 .334 .379 .434 .494 55 41 .089 .108 .124 .141 .153 .174 .192 .211 .233 .256 .290 .322 .365 .416 .475 .542 56 42 .093 .115 .133 .151 .164 .187 .207 .228 .251 .277 .312 .349 .398 .455 .519 .586 57 43 .097 .120 .141 .161 .175 .200 .222 .244 .270 .297 .336 .377 .433 .497 .567 .631 58 44 .101 .125 .148 .170 .187 .212 .236 .261 .287 .316 .359 .407 .470 .541 .620 .694 59 45 .105 .130 .156 .180 .200 .225 .252 .279 .305 .337 .385 .438 .509 .588 .676 .758 60 46 .120 .147 .176 .202 .225 .253 .283 .312 .340 .374 .426 .486 .566 .653 .751 .832 61 47 .128 .158 .191 .219 .244 .274 .310 .341 .370 .408 .465 .531 .619 .715 .820 .916 62 48 .135 .170 .207 .237 .264 .300 .341 .376 .408 .450 .509 .581 .678 .782 .890 1.013 63 49 .144 .184 .224 .256 .285 .328 .375 .413 .448 .495 .558 .636 .741 .853 .964 1.122 64 50 .152 .198 .241 .277 .306 .359 .412 .454 .494 .545 .612 .695 .810 .929 1.043 1.241 65 51 .155 .207 .255 .293 .323 .384 .444 .490 .532 .590 .661 .753 .876 1.005 1.122 1.371 66 52 .166 .225 .278 .320 .351 .418 .485 .534 .580 .645 .723 .823 .955 1.095 1.220 1.508 67 53 .179 .241 .301 .347 .380 .450 .524 .576 .626 .697 .782 .892 1.034 1.191 1.331 1.653 68 54 .192 .258 .326 .376 .411 .483 .563 .617 .670 .749 .843 .964 1.115 1.291 1.452 1.798 69 55 .206 .276 .353 .408 .446 .518 .604 .660 .717 .804 .910 1.042 1.203 1.399 1.581 1.953 70 56 .220 .294 .379 .441 .480 .552 .642 .701 .762 .858 .977 1.124 1.295 1.506 1.706 2.203 71 57 .237 .316 .410 .480 .522 .592 .683 .748 .815 .920 1.056 1.223 1.403 1.626 1.837 2.491 72 58 .258 .341 .446 .529 .572 .638 .727 .799 .877 .991 1.147 1.344 1.538 1.759 1.967 2.806 73 59 .280 .371 .488 .585 .630 .689 .773 .854 .944 1.069 1.248 1.481 1.689 1.903 2.101 3.162 74 60 .307 .405 .533 .646 .693 .746 .825 .914 1.018 1.154 1.409 1.748 2.051 2.348 2.633 3.563 75 61 .348 .459 .604 .735 .788 .839 .916 1.018 1.140 1.297 1.592 1.983 2.315 2.616 2.902 4.016 76 62 .396 .522 .682 .831 .894 .944 1.024 1.136 1.278 1.459 1.798 2.234 2.593 2.905 3.206 4.522 77 63 .459 .602 .776 .934 1.011 1.064 1.146 1.257 1.416 1.625 2.008 2.469 2.843 3.176 3.512 5.090 78 64 .533 .696 .882 1.046 1.141 1.198 1.282 1.387 1.562 1.802 2.231 2.706 3.089 3.449 3.833 5.712 79 65 .611 .798 .994 1.162 1.281 1.346 1.437 1.537 1.731 2.009 2.489 2.975 3.369 3.765 4.207 6.375 80 66 .656 .893 1.100 1.272 1.418 1.503 1.611 1.717 1.938 2.261 2.795 3.305 3.724 4.166 4.679 7.071 81 67 .751 .975 1.194 1.374 1.556 1.673 1.814 1.948 2.210 2.586 3.181 3.738 4.206 4.706 5.298 7.840 82 68 .792 1.021 1.247 1.454 1.679 1.847 2.046 2.250 2.579 3.024 3.697 4.356 4.911 5.455 6.126 8.678 83 69 .825 1.060 1.305 1.535 1.802 2.038 2.309 2.596 3.003 3.530 4.280 5.043 5.686 6.310 7.057 9.639 84 10.712 85 11.634 86 12.639 87 13.709 88 14.631 89
CHALLENGER/MAX Table #15 Page 2 of 2 PREFERRED NON-SMOKER FEMALE
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15 1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16 2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17 3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18 4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19 5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20 6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .078 21 7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .077 .078 22 8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .077 .077 .078 23 9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .076 .077 .077 .078 24 10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .075 .076 .077 .077 .078 25 11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .074 .075 .076 .077 .077 .079 26 12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .073 .074 .075 .076 .077 .078 .079 27 13 .100 .100 .110 .110 .120 .120 .120 .120 .072 .073 .074 .075 .076 .077 .078 .080 28 14 .100 .110 .110 .120 .120 .120 .120 .070 .072 .073 .074 .075 .077 .077 .079 .081 29 15 .110 .110 .120 .120 .120 .120 .070 .070 .072 .073 .074 .075 .077 .078 .080 .082 30 16 .110 .120 .120 .120 .120 .068 .070 .071 .072 .073 .074 .075 .077 .079 .081 .083 31 17 .120 .120 .120 .120 .066 .068 .070 .071 .072 .073 .074 .077 .078 .080 .082 .085 32 18 .120 .120 .120 .065 .066 .068 .070 .071 .072 .073 .076 .078 .079 .081 .084 .086 33 19 .120 .120 .064 .065 .067 .068 .070 .071 .072 .074 .077 .078 .081 .084 .086 .088 34 20 .121 .062 .064 .066 .067 .068 .070 .071 .074 .075 .077 .080 .083 .085 .088 .090 35 21 .061 .062 .066 .067 .067 .068 .070 .073 .074 .075 .079 .082 .085 .088 .091 .095 36 22 .062 .063 .067 .067 .068 .069 .070 .073 .075 .076 .079 .082 .085 .089 .092 .099 37 23 .063 .064 .067 .068 .069 .070 .071 .074 .075 .077 .080 .084 .086 .090 .097 .105 38 24 .063 .065 .068 .069 .070 .070 .072 .075 .076 .078 .080 .085 .088 .096 .103 .113 39 25 .064 .066 .069 .070 .070 .071 .073 .075 .077 .078 .081 .087 .093 .101 .110 .120 40 26 .064 .066 .069 .070 .071 .071 .073 .075 .077 .079 .081 .090 .098 .107 .117 .128 41 27 .064 .066 .069 .070 .071 .071 .073 .075 .078 .079 .086 .095 .104 .113 .125 .136 42 28 .064 .066 .069 .070 .070 .072 .074 .076 .079 .084 .092 .101 .111 .122 .135 .146 43 29 .064 .066 .069 .070 .072 .073 .075 .078 .084 .090 .099 .108 .118 .130 .144 .159 44 30 .064 .067 .070 .072 .073 .075 .077 .083 .090 .096 .106 .117 .127 .140 .155 .174 45 31 .064 .068 .072 .073 .074 .077 .081 .088 .096 .104 .115 .125 .136 .150 .169 .188 46 32 .064 .069 .072 .074 .076 .081 .086 .094 .103 .112 .123 .134 .146 .163 .183 .207 47 33 .064 .069 .072 .075 .080 .086 .091 .100 .110 .119 .132 .144 .158 .175 .199 .224 48 34 .064 .069 .072 .078 .084 .090 .097 .106 .116 .127 .140 .155 .169 .190 .218 .244 49 35 .064 .069 .074 .081 .088 .095 .104 .113 .122 .135 .151 .166 .183 .206 .236 .262 50 36 .064 .069 .075 .083 .091 .099 .108 .117 .129 .143 .160 .179 .196 .221 .252 .285 51 37 .064 .069 .078 .086 .095 .103 .113 .124 .137 .151 .171 .191 .210 .235 .273 .308 52 38 .064 .070 .080 .091 .099 .109 .120 .132 .146 .163 .183 .205 .225 .255 .294 .332 53 39 .064 .072 .084 .095 .103 .116 .128 .141 .157 .174 .196 .216 .243 .276 .316 .354 54 40 .064 .076 .088 .099 .108 .123 .135 .151 .167 .185 .207 .232 .261 .297 .337 .378 55 41 .066 .080 .093 .105 .115 .131 .146 .161 .180 .196 .223 .249 .282 .318 .359 .410 56 42 .067 .083 .097 .111 .122 .140 .156 .172 .189 .210 .238 .266 .301 .340 .388 .441 57 43 .069 .085 .101 .116 .128 .147 .165 .180 .201 .222 .252 .281 .319 .367 .422 .468 58 44 .070 .087 .104 .121 .134 .154 .170 .191 .210 .233 .263 .295 .342 .397 .454 .505 59 45 .071 .088 .108 .126 .141 .158 .179 .200 .220 .241 .274 .312 .367 .424 .486 .541 60 46 .082 .101 .123 .142 .158 .179 .202 .223 .242 .264 .301 .347 .403 .463 .530 .590 61 47 .087 .109 .133 .152 .171 .194 .220 .240 .259 .286 .328 .374 .434 .499 .575 .645 62 48 .093 .118 .143 .165 .185 .211 .238 .260 .283 .314 .356 .404 .468 .542 .619 .704 63 49 .099 .126 .155 .179 .199 .228 .258 .284 .311 .343 .384 .435 .509 .587 .663 .770 64 50 .104 .138 .168 .193 .212 .245 .283 .313 .339 .373 .415 .473 .553 .633 .708 .835 65 51 .107 .144 .177 .202 .220 .261 .305 .335 .361 .397 .446 .510 .591 .676 .748 .913 66 52 .116 .156 .191 .217 .238 .285 .330 .361 .388 .433 .486 .551 .637 .724 .805 .933 67 53 .124 .166 .205 .236 .259 .305 .352 .384 .418 .466 .521 .592 .679 .780 .869 1.078 68 54 .132 .175 .221 .256 .278 .324 .374 .411 .446 .496 .556 .628 .725 .837 .940 1.177 69 55 .140 .188 .240 .276 .299 .343 .401 .438 .473 .528 .590 .674 .775 .900 1.027 1.305 70 56 .149 .201 .256 .296 .319 .367 .427 .464 .502 .559 .635 .728 .837 .984 1.148 1.426 71 57 .162 .214 .276 .319 .348 .394 .454 .494 .533 .600 .686 .794 .922 1.100 1.196 1.536 72 58 .175 .229 .297 .353 .382 .425 .481 .523 .574 .647 .748 .886 1.045 1.151 1.307 1.630 73 59 .188 .247 .326 .391 .420 .457 .508 .560 .618 .699 .826 1.010 1.109 1.185 1.420 1.834 74 60 .204 .270 .356 .430 .460 .490 .542 .599 .667 .766 .964 1.153 1.282 1.377 1.534 2.071 75 61 .231 .306 .402 .488 .519 .551 .601 .668 .758 .889 1.052 1.243 1.361 1.530 1.694 2.364 76 62 .264 .347 .452 .546 .587 .620 .672 .755 .877 .966 1.129 1.316 1.521 1.701 1.894 2.691 77 63 .304 .398 .508 .612 .663 .698 .762 .863 .939 1.022 1.185 1.451 1.669 1.881 2.097 3.056 78 64 .351 .455 .577 .684 .748 .796 .880 .919 .983 1.064 1.313 1.591 1.834 2.064 2.307 3.467 79 65 .398 .521 .649 .760 .850 .923 .951 .967 1.024 1.183 1.464 1.768 2.019 2.271 2.567 3.926 80 66 .446 .580 .716 .840 .968 .991 1.006 1.052 1.135 1.323 1.653 1.971 2.236 2.522 2.868 4.381 81 67 .486 .631 .784 .933 1.020 1.041 1.062 1.136 1.288 1.522 1.889 2.234 2.534 2.870 3.267 4.884 82 68 .510 .667 .842 .940 1.040 1.075 1.187 1.304 1.510 1.786 2.198 2.613 2.981 3.348 3.798 5.454 83 69 .536 .676 .846 .946 1.044 1.176 1.332 1.513 1.765 2.088 2.554 3.047 3.473 3.894 4.414 6.150 84 6.996 85 7.908 86 8.992 87 10.172 88 11.201 89
CONTENDER Table #8 Page 3 of 4 NON-SMOKER MALE
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15 1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16 2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17 3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18 4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19 5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20 6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .121 21 7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .119 .121 22 8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .118 .119 .121 23 9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .117 .118 .119 .121 24 10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .116 .117 .118 .119 .121 25 11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .114 .116 .117 .118 .119 .121 26 12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .113 .114 .116 .117 .118 .119 .121 27 13 .110 .110 .120 .120 .130 .140 .140 .140 .112 .113 .114 .116 .117 .118 .119 .121 28 14 .110 .120 .120 .130 .140 .140 .140 .110 .112 .113 .114 .116 .117 .118 .119 .121 29 15 .120 .120 .130 .140 .140 .140 .109 .110 .112 .113 .114 .116 .117 .118 .119 .122 30 16 .120 .130 .140 .140 .140 .108 .109 .110 .112 .113 .114 .116 .117 .118 .120 .123 31 17 .130 .140 .140 .140 .107 .108 .109 .110 .112 .113 .114 .116 .117 .119 .121 .123 32 18 .140 .140 .140 .105 .107 .108 .109 .110 .112 .113 .114 .116 .118 .120 .121 .124 33 19 .140 .140 .104 .105 .107 .108 .109 .110 .112 .113 .114 .116 .119 .120 .122 .125 34 20 .140 .103 .104 .105 .107 .108 .109 .110 .112 .113 .115 .117 .119 .121 .124 .138 35 21 .102 .103 .104 .103 .107 .108 .109 .110 .112 .114 .116 .117 .120 .123 .136 .144 36 22 .102 .103 .104 .105 .107 .108 .109 .110 .113 .115 .116 .118 .121 .135 .143 .153 37 23 .102 .103 .104 .105 .107 .108 .109 .111 .114 .115 .117 .120 .133 .141 .151 .163 38 24 .102 .103 .104 .105 .107 .108 .110 .112 .114 .116 .119 .132 .140 .150 .162 .174 39 25 .102 .103 .104 .105 .107 .109 .111 .112 .114 .117 .131 .138 .148 .160 .172 .187 40 26 .102 .103 .104 .105 .108 .110 .111 .113 .116 .129 .137 .147 .158 .170 .185 .198 41 27 .102 .103 .104 .106 .108 .110 .112 .115 .128 .135 .145 .157 .168 .183 .196 .210 42 28 .102 .103 .105 .107 .108 .111 .114 .126 .134 .143 .155 .167 .181 .193 .208 .224 43 29 .102 .104 .106 .107 .109 .112 .125 .132 .142 .153 .165 .179 .191 .206 .222 .240 44 30 .102 .104 .106 .108 .111 .123 .131 .141 .151 .163 .177 .189 .203 .219 .238 .260 45 31 .102 .105 .109 .114 .120 .131 .139 .147 .157 .168 .183 .198 .217 .239 .262 .285 46 32 .103 .108 .114 .121 .128 .140 .148 .156 .166 .177 .193 .212 .235 .260 .288 .314 47 33 .106 .112 .119 .128 .136 .148 .157 .166 .177 .190 .207 .229 .255 .284 .315 .344 48 34 .110 .117 .125 .135 .145 .157 .167 .178 .192 .206 .226 .249 .278 .309 .343 .378 49 35 .116 .123 .132 .143 .154 .167 .179 .192 .208 .225 .247 .273 .304 .337 .374 .414 50 36 .123 .130 .140 .152 .164 .178 .192 .208 .226 .246 .271 .299 .333 .368 .408 .450 51 37 .131 .138 .149 .161 .174 .189 .206 .225 .247 .271 .298 .329 .364 .401 .444 .488 52 38 .139 .148 .159 .172 .186 .202 .222 .244 .270 .297 .328 .361 .398 .437 .482 .529 53 39 .149 .158 .169 .183 .198 .216 .239 .265 .294 .325 .360 .395 .434 .475 .525 .578 54 40 .158 .168 .181 .196 .213 .233 .258 .287 .319 .354 .392 .431 .473 .518 .572 .634 55 41 .166 .178 .193 .210 .229 .252 .279 .310 .344 .381 .423 .466 .512 .563 .623 .690 56 42 .173 .187 .203 .225 .247 .272 .301 .333 .369 .409 .453 .501 .553 .610 .677 .750 57 43 .181 .198 .219 .241 .267 .295 .326 .359 .396 .438 .486 .540 .597 .661 .736 .817 58 44 .192 .211 .235 .260 .28_ .321 .353 .388 .426 .472 .523 .582 .646 .719 .801 .893 59 45 .206 .228 .254 .282 .314 .349 .384 .421 .462 .511 .567 .632 .702 .783 .874 .979 60 46 .227 .251 .279 .309 .344 .383 .421 .461 .506 .560 .621 .692 .769 .857 .956 1.064 61 47 .252 .278 .308 .340 .378 .420 .461 .506 .556 .614 .681 .758 .843 .939 1.046 1.159 62 48 .279 .307 .339 .372 .413 .459 .504 .553 .609 .673 .745 .829 .922 1.026 1.142 1.264 63 49 .304 .335 .369 .404 .448 .498 .547 .601 .662 .732 .811 .901 1.004 1.117 1.243 1.378 64 50 .327 .360 .396 .434 .480 .534 .588 .647 .714 .790 .876 .974 1.086 1.210 1.349 1.511 65 51 .343 .378 .417 .456 .505 .562 .621 .686 .759 .841 .933 1.040 1.160 1.294 1.444 1.644 66 52 .355 .392 .434 .475 .526 .586 .651 .722 .801 .889 .989 1.105 1.233 1.376 1.538 1.796 67 53 .366 .405 .451 .494 .548 .611 .682 .759 .844 .939 1.046 1.173 1.310 1.466 1.643 1.957 68 54 .379 .421 .471 .517 .575 .642 .718 .802 .894 .995 1.111 1.249 1.400 1.574 1.774 2.100 69 55 .396 .441 .495 .549 .612 .684 .765 .855 .954 1.062 1.188 1.338 1.509 1.711 1.946 2.216 70 56 .415 .463 .519 .588 .659 .739 .823 .918 1.025 1.138 1.274 1.432 1.629 1.868 2.155 2.495 71 57 .435 .486 .543 .631 .712 .803 .888 .988 1.104 1.222 1.368 1.530 1.758 2.042 2.392 2.815 72 58 .459 .514 .575 .682 .774 .875 .963 1.067 1.192 1.315 1.473 1.645 1.909 2.247 2.667 3.166 73 59 .490 .553 .619 .745 .847 .957 1.047 1.155 1.290 1.420 1.596 1.786 2.096 2.495 2.991 3.562 74 60 .530 .608 .683 .822 .932 1.049 1.142 1.256 1.399 1.540 1.741 1.965 2.329 2.801 3.373 4.008 75 61 .579 .683 .776 .918 1._29 1.144 1.238 1.354 1.502 1.656 1.893 2.175 2.609 3.169 3.817 4.513 76 62 .634 .774 .888 1.027 1.136 1.246 1.340 1.456 1.605 1.776 2.055 2.410 2.927 3.587 4.314 5.077 77 63 .699 .875 1.013 1.149 1.256 1.361 1.458 1.575 1.730 1.920 2.246 2.684 3.289 4.057 4.865 5.709 78 64 .776 .984 1.14_ 1.281 1.392 1.497 1.603 1.729 1.894 2.108 2.485 3.007 3.702 4.580 5.472 6.400 79 65 .867 1.099 1.2_1 1.422 1.544 1.661 1.785 1.931 2.117 2.360 2.790 3.391 4.174 5.158 6.138 7.138 80 66 .973 1.212 1.409 1.566 1.709 1.851 2.004 2.181 2.398 2.675 3.156 3.824 4.692 5.787 6.869 7.914 81 67 1.092 1.329 1.538 1.716 1.8__ 2.062 2.252 2.468 2.724 3.037 3.571 4.303 5.258 6.469 7.661 8.770 82 68 1.225 1.455 1.676 1.679 2.0_5 2.301 2.536 2.799 3.104 3.460 4.050 4.846 5.885 7.207 8.507 9.703 83 69 1.370 1.595 1.827 2.060 2.307 2.572 2.862 3.155 3.548 3.955 4.607 5.473 6.590 8.005 9.400 10.773 84 70 1.529 1.754 1.998 2.264 2.558 2.880 3.236 3.632 4.067 4.534 _.256 6.200 7.387 8.869 10.333 11.967 85 71 1.701 1.927 2.183 2.48_ 2.833 3.221 3.653 4.133 4.650 5.185 5.983 7.010 8.261 9.794 11.313 12.994 86 72 1.887 2.116 2.365 2.72_ 3.135 3.597 4.114 4.691 5.303 5.913 6.796 7.912 9.220 10.781 12.337 14.112 87 73 2.086 2.32_ 2.610 2.997 3.469 4.013 4.628 5.315 6.036 6.732 7.708 8.924 10.278 11.836 13.398 15.304 88 74 2.299 2.560 2.861 3.294 3.838 4.472 5.197 6.010 6.853 7.646 8.726 10.055 11.444 12.961 14.493 16.331 89 75 2.525 2.818 3.138 3.620 4.242 4.974 5.821 6.774 7.755 8.656 9.851 11.306 12.716 14.155 15.621 90
CONTENDER Table #8 Page 4 of 4 NON-SMOKER FEMALE
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15 1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16 2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17 3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18 4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19 5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20 6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .105 21 7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .103 .105 22 8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .102 .103 .105 23 9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .101 .102 .103 .105 24 10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .100 .101 .102 .103 .105 25 11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .099 .100 .101 .102 .103 .105 26 12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .098 .099 .100 .101 .102 .103 .105 27 13 .100 .100 .110 .110 .120 .120 .120 .120 .097 .098 .099 .100 .101 .102 .103 .105 28 14 .100 .110 .110 .120 .120 .120 .120 .096 .097 .098 .099 .100 .101 .102 .103 .105 29 15 .110 .110 .120 .120 .120 .120 .095 .096 .097 .098 .099 .100 .101 .102 .103 .105 30 16 .110 .120 .120 .120 .120 .094 .095 .096 .097 .098 .099 .100 .101 .102 .104 .106 31 17 .120 .120 .120 .120 .092 .094 .095 .096 .097 .098 .099 .100 .101 .103 .105 .106 32 18 .120 .120 .120 .091 .092 .094 .095 .096 .097 .098 .099 .100 .102 .104 .105 .107 33 19 .120 .120 .090 .091 .092 .094 .095 .096 .097 .098 .099 .101 .103 .104 .106 .109 34 20 .120 .089 .090 .091 .092 .094 .095 .096 .097 .098 .100 .102 .103 .105 .108 .113 35 21 .088 .089 .090 .091 .092 .094 .095 .096 .097 .099 .101 .102 .104 .107 .112 .121 36 22 .088 .089 .090 .091 .092 .094 .095 .096 .098 .100 .101 .103 .106 .111 .119 .129 37 23 .088 .089 .090 .091 .092 .094 .095 .097 .099 .100 .102 .105 .109 .118 .128 .140 38 24 .088 .089 .090 .091 .092 .094 .095 .097 .099 .101 .104 .108 .117 .126 .138 .150 39 25 .088 .089 .090 .091 .092 .094 .096 .097 .099 .102 .107 .116 .125 .137 .149 .162 40 26 .088 .089 .090 .091 .093 .095 .096 .098 .101 .106 .114 .124 .135 .147 .161 .173 41 27 .088 .089 .090 .092 .094 .095 .097 .100 .105 .113 .122 .134 .145 .159 .171 .183 42 28 .088 .089 .091 .093 .094 .09_ .099 .104 .112 .121 .132 .144 .157 .169 .181 .196 43 29 .088 .090 .092 .093 .095 .098 .102 .110 .120 .131 .142 .156 .167 .179 .194 .210 44 30 .089 .091 .092 .094 .097 .101 .109 .118 .129 .141 .154 .166 .178 .192 .208 .228 45 31 .090 .092 .094 .098 .104 .110 .118 .125 .134 .145 .159 .173 .190 .209 .231 .250 46 32 .091 .093 .096 .103 .111 .119 .127 .134 .142 .153 .167 .184 .206 .229 .255 .276 47 33 .092 .094 .101 .109 .118 .127 .137 .144 .153 .165 .180 .199 .224 .250 .279 .304 48 34 .093 .097 .106 .115 .125 .136 .146 .155 .166 .180 .197 .218 .245 .273 .304 .334 49 35 .095 .103 .112 .122 .133 .145 .157 .168 .181 .197 .216 .239 .268 .298 .331 .362 50 36 .101 .110 .119 .130 .142 .155 .169 .182 .198 .216 .237 .263 .293 .325 .360 .395 51 37 .109 .118 .128 .139 .151 .165 .181 .198 .217 .239 .262 .290 .321 .354 .390 .428 52 38 .118 .127 .137 .148 .161 .177 .194 .215 .238 .263 .288 .319 .351 .385 .422 .463 53 39 .128 .137 .147 .159 .173 .189 .209 .233 .260 .288 .316 .349 .382 .418 .456 .499 54 40 .137 .147 .158 .171 .186 .204 .226 .253 .282 .313 .343 .379 .415 .453 .494 .539 55 41 .144 .156 .169 .184 .201 .221 .245 .273 .304 .336 .368 .407 .447 .489 .534 .584 56 42 .151 .164 .180 .198 .218 .239 .265 .294 .326 .359 .393 .435 .479 .526 .576 .637 57 43 .158 .174 .193 .213 .236 .259 .287 .317 .349 .383 .419 .464 .514 .566 .622 .689 58 44 .168 .185 .207 .231 .256 .281 .311 .342 .375 .410 .448 .497 .552 .610 .673 .745 59 45 .180 .200 .224 .230 .278 .305 .337 .370 .404 .441 .482 .535 .596 .660 .729 .807 60 46 .199 .221 .246 .274 .304 .333 .367 .403 .439 .479 .524 .582 .648 .718 .793 .877 61 47 .221 .245 .272 .301 .332 .363 .399 .438 .479 .523 .571 .634 .707 .782 .862 .954 62 48 .244 .271 .298 .329 .361 .395 .433 .476 .520 .568 .622 .690 .768 .849 .936 1.034 63 49 .267 .295 .324 .356 .389 .426 .467 .513 .562 .614 .673 .747 .832 .919 1.014 1.119 64 50 .286 .316 .347 .380 .415 .454 .498 .549 .602 .659 .722 .803 .894 .990 1.096 1.212 65 51 .299 .330 .363 .397 .433 .475 .523 .579 .636 .697 .764 .852 .950 1.057 1.176 1.314 66 52 .308 .340 .376 .410 .448 .492 .545 .606 .667 .733 .803 .899 1.004 1.123 1.258 1.428 67 53 .316 .349 .388 .423 .463 .509 .568 .633 .699 .771 .844 .947 1.061 1.192 1.346 1.551 68 54 .325 .359 .402 .440 .483 .532 .595 .665 .736 .813 .892 1.003 1.125 1.269 1.444 1.680 69 55 .337 .374 .420 .463 .510 .563 .630 .704 .780 .863 .953 1.069 1.200 1.357 1.557 1.823 70 56 .351 .390 .438 .492 .546 .604 .673 .751 .836 .926 1.034 1.147 1.282 1.443 1.670 1.972 71 57 .366 .407 .457 .525 .587 .650 .722 .804 .899 .997 1.127 1.232 1.369 1.529 1.787 2.103 72 58 .383 .429 .480 .565 .635 .705 .777 .863 .967 1.074 1.227 1.327 1.470 1.634 1.925 2.213 73 59 .406 .458 .514 .613 .692 .768 .840 .927 1.038 1.153 1.331 1.433 1.591 1.771 2.103 2.467 74 60 .437 .500 .563 .672 .758 .842 .913 .998 1.109 1.232 1.432 1.553 1.741 1.958 2.336 2.761 75 61 .475 .559 .635 .746 .837 .929 .992 1.065 1.161 1.288 1.504 1.668 1.912 2.200 2.632 3.125 76 62 .519 .630 .722 .832 .925 1.026 1.079 1.134 1.205 1.334 1.563 1.787 2.102 2.482 2.976 3.528 77 63 .569 .709 .819 .926 1.022 1.132 1.175 1.213 1.261 1.392 1.635 1.927 2.322 2.806 3.367 3.974 78 64 .628 .793 .920 1.025 1.126 1.246 1.285 1.313 1.346 1.485 1.747 2.108 2.585 3.175 3.808 4.472 79 65 .696 .87_ 1.019 1.127 1.235 1.366 1.411 1.443 1.480 1.634 1.922 2.348 2.901 3.591 4.301 5.024 80 66 .775 .961 1.110 1.226 1.342 1.479 1.542 1.597 1.664 1.841 2.163 2.635 3.246 4.021 4.814 5.604 81 67 .862 1.04_ 1.201 1.327 1.451 1.594 1.681 1.770 1.882 2.087 2.449 2.960 3.625 4.480 5.360 6.244 82 68 .958 1.136 1.294 1.433 1.570 1.721 1.842 1.975 2.144 2.384 2.792 3.347 4.066 5.002 5.974 6.969 83 69 1.061 1.232 1.394 1.549 1.704 1.872 2.035 2.222 2.458 2.741 3.205 3.817 4.601 5.621 6.688 7.856 84 70 1.170 1.336 1.503 1.679 1.861 2.059 2.274 2.524 2.831 3.167 3.699 4.391 5.260 6.371 7.534 8.932 85 71 1.286 1.447 1.618 1.818 2.034 2.270 2.546 2.869 3.256 3.653 4.262 5.048 6.013 7.218 8.480 10.094 86 72 1.408 1.565 1.741 1.969 2.225 2.511 2.558 3.263 3.736 4.203 4.900 5.800 6.874 8.179 9.542 11.474 87 73 1.535 1.693 1.875 2.135 2.442 2.794 3.221 3.717 4.279 4.827 5.625 6.667 7.875 9.289 10.752 12.977 88 74 1.668 1.832 2.022 2.319 2.6_8 3.124 3.643 4.237 4.891 5.530 6.443 7.661 9.030 10.563 12.127 14.288 89 75 1.805 1.981 2.181 2.520 2.963 3.501 4.122 4.823 5.570 6.312 7.353 8.782 10.339 12.003 13.668 90
CONTENDER Table #8 Page 1 of 4 SPECIAL CLASS MALE
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15 1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16 2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17 3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18 4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19 5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20 6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .216 21 7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .214 .216 22 8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .212 .214 .216 23 9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .211 .212 .214 .216 24 10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .209 .211 .212 .214 .216 25 11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .207 .209 .211 .212 .214 .216 26 12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .205 .207 .209 .211 .212 .214 .216 27 13 .110 .110 .120 .120 .130 .140 .140 .140 .203 .205 .207 .209 .211 .212 .214 .216 28 14 .110 .120 .120 .130 .140 .140 .140 .201 .203 .205 .207 .209 .211 .212 .214 .216 29 15 .120 .120 .130 .140 .140 .140 .199 .201 .203 .205 .207 .209 .211 .212 .214 .216 30 16 .120 .130 .140 .140 .140 .197 .199 .201 .203 .205 .207 .209 .211 .212 .214 .219 31 17 .130 .140 .140 .140 .196 .197 .199 .201 .203 .205 .207 .209 .211 .212 .217 .221 32 18 .140 .140 .140 .194 .196 .197 .199 .201 .203 .205 .207 .209 .211 .215 .219 .225 33 19 .140 .140 .192 .194 .196 .197 .199 .201 .203 .205 .207 .209 .213 .217 .223 .231 34 20 .140 .190 .192 .194 .196 .197 .199 .201 .203 .205 .207 .211 .215 .221 .229 .256 35 21 .188 .190 .192 .194 .196 .197 .199 .201 .203 .205 .209 .213 .220 .227 .254 .271 36 22 .188 .190 .192 .194 .196 .197 .199 .201 .203 .207 .211 .218 .225 .252 .269 .290 37 23 .188 .190 .192 .194 .196 .197 .199 .201 .205 .209 .216 .223 .250 .267 .287 .312 38 24 .188 .190 .192 .194 .196 .197 .199 .203 .207 .214 .221 .248 .264 .285 .309 .336 39 25 .188 .190 .192 .194 .196 .197 .201 .205 .212 .219 .245 .262 .282 .306 .333 .363 40 26 .188 .190 .192 .194 .196 .200 .204 .210 .217 .243 .260 .280 .304 .330 .360 .385 41 27 .188 .190 .192 .194 .198 .202 .208 .215 .241 .257 .277 .301 .327 .357 .382 .409 42 28 .188 .190 .192 .196 .200 .206 .213 .239 .255 .275 .298 .324 .354 .379 .406 .436 43 29 .188 .190 .194 .198 .204 .211 .236 .253 .272 .295 .321 .351 .375 .402 .432 .468 44 30 .188 .192 .196 .202 .209 .234 .250 .270 .293 .318 .348 .372 .399 .428 .464 .506 45 31 .188 .193 .202 .214 .226 .251 .265 .283 .302 .325 .354 .384 .420 .460 .505 .555 46 32 .189 .199 .211 .227 .244 .270 .284 .301 .318 .342 .371 .408 .451 .500 .553 .610 47 33 .196 .209 .224 .243 .263 .289 .305 .324 .343 .369 .400 .442 .492 .547 .606 .670 48 34 .209 .222 .240 .260 .283 .310 .329 .351 .374 .404 .439 .486 .540 .600 .666 .736 49 35 .223 .238 .257 .279 .304 .332 .355 .381 .409 .444 .484 .536 .594 .659 .730 .806 50 36 .239 .255 .276 .299 .326 .355 .383 .414 .447 .488 .533 .590 .652 .722 .798 .877 51 37 .258 .275 .297 .320 .349 .380 .413 .450 .491 .538 .590 .651 .717 .790 .872 .950 52 38 .278 .297 .319 .343 .372 .406 .445 .488 .538 .592 .651 .717 .786 .862 .950 1.030 53 39 .298 .318 .341 .366 .397 .433 .478 .528 .585 .647 .713 .783 .856 .937 1.031 1.124 54 40 .316 .338 .363 .390 .423 .462 .512 .567 .630 .698 .771 .847 .925 1.012 1.114 1.234 55 41 .326 .352 .380 .411 .448 .490 .543 .600 .666 .737 .815 .897 .983 1.079 1.192 1.320 56 42 .333 .362 .395 .431 .472 .519 .573 .632 .698 .771 .853 .942 1.036 1.142 1.269 1.413 57 43 .341 .374 .412 .453 .499 .550 .606 .666 .732 .807 .893 .990 1.094 1.212 1.352 1.514 58 44 .353 .390 .433 .479 .531 .586 .645 .707 .775 .854 .946 1.050 1.164 1.295 1.448 1.628 59 45 .374 .415 .462 .513 .570 ._31 .694 .760 .833 .918 1.019 1.132 1.257 1.399 1.565 1.760 60 46 .410 .454 .505 .559 .621 .688 .758 .831 .914 1.011 1.126 1.248 1.383 1.534 1.709 1.919 61 47 .455 .502 .555 .613 ._79 .752 .831 .915 1.010 1.120 1.253 1.385 1.529 1.690 1.871 2.089 62 48 .504 .555 .611 .671 .742 .822 .910 1.005 1.114 1.241 1.392 1.534 1.690 1.861 2.048 2.272 63 49 .552 .608 .667 .730 .806 .894 .992 1.099 1.222 1.365 1.534 1.689 1.858 2.041 2.238 2.464 64 50 .596 .656 .719 .788 .870 .966 1.073 1.192 1.328 1.486 1.672 1.841 2.025 2.225 2.439 2.668 65 51 .630 .694 .761 .836 .926 1.031 1.147 1.280 1.428 1.599 1.798 1.982 2.184 2.404 2.648 2.917 66 52 .660 .729 .798 .881 .980 1.095 1.221 1.367 1.528 1.711 1.921 2.122 2.344 2.586 2.868 3.183 67 53 .689 .763 .837 .929 1.036 1.162 1.297 1.457 1.629 1.825 2.045 2.265 2.509 2.779 3.099 3.457 68 54 .718 .801 .882 .985 1.101 1.236 1.380 1.552 1.734 1.941 2.174 2.414 2.686 2.988 3.344 3.728 69 55 .751 .84_ .941 1.055 1.178 1.321 1.473 1.653 1.843 2.062 2.309 2.575 2.879 3.221 3.601 3.994 70 56 .787 .901 1.020 1.149 1.277 1.425 1.585 1.765 1.958 2.188 2.454 2.751 3.096 3.490 3.863 4.301 71 57 .825 .961 1.112 1.257 1.389 1.542 1.709 1.885 2.077 2.318 2.606 2.937 3.330 3.784 4.132 4.647 72 58 .866 1.026 1.211 1.373 1.509 1.665 1.838 2.009 2.199 2.452 2.7_2 3.131 3.574 4.093 4.420 5.009 73 59 .909 1.09_ 1.312 1.490 1.630 1.788 1.967 2.133 2.324 2.589 2.922 3.329 3.824 4.409 4.733 5.405 74 60 .956 1.169 1.410 1.600 1.745 1.906 2.089 2.255 2.451 2.729 3.086 3.529 4.074 4.722 5.083 5.838 75 61 1.009 1.253 1.508 1.705 1.855 2.016 2.198 2.368 2.575 2.867 3.245 3.719 4.307 5.008 5.474 6.314 76 62 1.066 1.344 1.609 1.809 1.964 2.124 2.301 2.478 2.698 3.007 3.404 3.907 4.536 5.28_ 5.897 6.827 77 63 1.126 1.435 1.706 1.908 2.069 2.229 2.403 2.589 2.826 3.151 3.570 4.104 4.775 5.576 6.351 7.384 78 64 1.186 1.520 1.793 1.998 2.167 2.332 2.507 2.706 2.963 3.306 3.751 4.319 5.038 5.898 6.834 7.968 79 65 1.245 1.591 1.864 2.074 2.256 2.431 2.616 2.835 3.114 3.476 3.952 4.564 5.339 6.272 7.346 8.558 80 66 1.305 1.655 1.926 2.141 2.338 2.527 2.727 2.970 3.274 3._56 4.167 4.828 5.665 6.678 7.887 9.141 81 67 1.365 1.709 1.974 2.197 2.411 2.621 2.842 3.113 3.446 3.848 4.400 5.115 6.021 7.125 8.457 9.764 82 68 1.422 1.745 2.004 2.237 2.473 2.711 2.964 3.270 3.635 4.057 4.657 5.437 6.424 7.635 9.055 10.419 83 69 1.477 1.760 2.012 2.259 2.522 2.797 3.095 3.443 3.841 4.286 4.943 5.799 6.879 8.216 9.681 11.161 84 70 1.529 1.754 1.998 2.264 2.558 2.880 3.236 3.632 4.067 4.534 5.256 6.200 7.387 8.869 10.333 11.967 85 71 1.701 1.927 2.183 2.486 2.833 3.221 3._53 4.133 4.650 5.185 5.983 7.010 8.261 9.794 11.313 12.994 86 72 1.887 2.116 2.385 2.728 3.135 3.597 4.114 4._91 5.303 5.913 6.796 7.912 9.220 10.781 12.337 14.112 87 73 2.086 2.32_ 2.610 2.997 3.4_9 4.013 4.628 5.315 6.036 6.732 7.708 8.924 10.278 11.836 13.398 15.304 88 74 2.299 2.560 2.861 3.294 3.838 4.472 5.197 6.010 6.853 7.646 8.726 10.055 11.444 12.961 14.493 16.331 89 75 2.525 2._18 3.138 3.620 4.242 4.974 5.821 6.774 7.755 8.65_ 9.851 11.306 12.716 14.155 15.621 90
CONTENDER Table #8 Page 2 0f 4 SPECIAL CLASS FEMALE
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15 1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16 2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17 3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18 4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19 5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20 6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .187 21 7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .186 .187 22 8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .184 .186 .187 23 9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .183 .184 .186 .187 24 10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .181 .183 .184 .186 .187 25 11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .179 .181 .183 .184 .186 .187 26 12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .178 .179 .181 .183 .184 .186 .187 27 13 .100 .100 .110 .110 .120 .120 .120 .120 .176 .178 .179 .181 .183 .184 .186 .187 28 14 .100 .110 .110 .120 .120 .120 .120 .174 .176 .178 .179 .181 .183 .184 .186 .187 29 15 .110 .110 .120 .120 .120 .120 .173 .174 .176 .178 .179 .181 .183 .184 .186 .187 30 16 .110 .120 .120 .120 .120 .171 .173 .174 .176 .178 .179 .181 .183 .184 .186 .190 31 17 .120 .120 .120 .120 .170 .171 .173 .174 .176 .178 .179 .181 .183 .184 .188 .192 32 18 .120 .120 .120 .168 .170 .171 .173 .174 .176 .178 .179 .181 .183 .18_ .190 .196 33 19 .120 .120 .166 .168 .170 .171 .173 .174 .176 .178 .179 .181 .185 .189 .194 .201 34 20 .120 .165 .166 .168 .170 .171 .173 .174 .176 .178 .179 .183 .187 .192 .200 .212 35 21 .163 .165 .166 .168 .170 .171 .173 .174 .176 .178 .182 .185 .190 .198 .210 .227 36 22 .163 .165 .166 .168 .170 .171 .173 .174 .176 .180 .184 .189 .196 .208 .225 .245 37 23 .163 .165 .166 .168 .170 .171 .173 .174 .178 .182 .187 .194 .206 .223 .243 .267 38 24 .163 .165 .166 .168 .170 .171 .173 .177 .180 .185 .193 .204 .221 .241 .264 .291 39 25 .163 .165 .166 .168 .170 .171 .175 .179 .184 .191 .202 .219 .239 .262 .288 .316 40 26 .163 .165 .166 .168 .170 .173 .177 .182 .189 .201 .217 .236 .260 .286 .314 .337 41 27 .163 .165 .166 .168 .172 .175 .180 .187 .199 .215 .234 .258 .283 .311 .334 .358 42 28 .163 .165 .166 .170 .174 .179 .186 .197 .213 .232 .255 .281 .308 .331 .355 .381 43 29 .163 .165 .168 .172 .177 .184 .195 .211 .230 .253 .278 .305 .328 .351 .377 .408 44 30 .163 .167 .170 .175 .182 .193 .209 .228 .251 .276 .303 .325 .348 .374 .405 .443 45 31 .165 .169 .172 .183 .196 .212 .226 .241 .258 .279 .306 .336 .369 .407 .449 .488 46 32 .167 .171 .178 .194 .212 .230 .244 .258 .273 .293 .320 .356 .398 .445 .495 .537 47 33 .169 .173 .188 .207 .228 .249 .265 .279 .295 .317 .347 .387 .434 .487 .543 .592 48 34 .171 .185 .201 .222 .245 .269 .287 .305 .324 .350 .383 .427 .476 .533 .593 .651 49 35 .184 .199 .217 .239 .2_3 .289 .311 .333 .357 .387 .424 .471 .523 .582 .645 .712 50 36 .199 .215 .234 .257 .282 .310 .336 .363 .392 .427 .469 .519 .573 .634 .700 .768 51 37 .217 .235 .254 .277 .302 .332 .363 .396 .432 .474 .521 .573 .628 .689 .757 .823 52 38 .238 .256 .275 .298 .323 .354 .391 .431 .475 .524 .577 .630 .686 .747 .817 .884 53 39 .258 .277 .297 .319 .346 .378 .419 .466 .517 .573 .631 .688 .745 .807 .880 .956 54 40 .275 .296 .317 .341 .369 .404 .449 .500 .556 .617 .681 .741 .802 .869 .947 1.044 55 41 .285 .309 .333 .361 .392 .430 .477 .528 .585 .647 .715 .781 .850 .927 1.015 1.121 56 42 .291 .319 .347 .379 .416 .457 .504 .554 .609 .671 .741 .815 .894 .983 1.085 1.206 57 43 .298 .329 .362 .400 .441 .486 .533 .582 .635 .696 .768 .851 .942 1.044 1.160 1.295 58 44 .309 .343 .381 .424 .470 .519 .567 .615 .668 .730 .806 .897 .999 1.114 1.242 1.389 59 45 .327 .365 .406 .453 .504 .557 .608 .659 .715 .781 .863 .961 1.073 1.198 1.336 1.485 60 46 .360 .400 .442 .491 .545 .602 .6_0 .719 .785 .861 .953 1.057 1.175 1.303 1.443 1.602 61 47 .401 .442 .486 .535 .590 .652 .718 .789 .868 .958 1.063 1.171 1.293 1.422 1.561 1.728 62 48 .445 .488 .532 .582 .639 .705 .782 .865 .958 1.064 1.182 1.296 1.421 1.550 1.687 1.851 63 49 .489 .533 .579 .630 .689 .761 .847 .943 1.050 1.170 1.302 1.421 1.551 1.682 1.821 1.980 64 50 .326 .574 .623 .677 .740 .817 .911 1.018 1.136 1.268 1.411 1.537 1.675 1.813 1.960 2.117 65 51 .352 .604 .658 .719 .789 .872 .972 1.088 1.212 1.351 1.501 1.634 1.782 1.933 2.104 2.282 66 52 .573 .630 .688 .759 .837 .928 1.033 1.157 1.286 1.429 1.583 1.725 1.883 2.051 2.255 2.458 67 53 .592 .656 .720 .800 .888 .986 1.095 1.226 1.357 1.504 1.662 1.814 1.985 2.174 2.413 2.644 68 54 .612 .684 .757 .847 .943 1.048 1.160 1.296 1.429 1.579 1.744 1.909 2.096 2.309 2.576 2.844 69 55 .636 .718 .803 .903 1.005 1.114 1.229 1.367 1.501 1.657 1.832 2.014 2.222 2.463 2.747 3.056 70 56 .666 .763 .8_6 .975 1.078 1.189 1.306 1.440 1.574 1.739 1.933 2.140 2.377 2._51 2.918 3.275 71 57 .700 .813 .940 1.057 1.158 1.269 1.387 1.514 1.646 1.823 2.039 2.278 2.549 2.861 3.092 3.497 72 58 .735 .867 1.012 1.142 1.242 1.351 1.471 1.589 1.720 1.909 2.149 2.419 2.727 3.080 3.276 3.716 73 59 .771 .922 1.095 1.227 1.325 1.433 1.554 1.665 1.795 1.995 2.257 2.558 2.903 3.298 3.476 3.933 74 60 .807 .977 1.166 1.303 1.402 1.512 1.634 1.741 1.874 2.082 2.361 2.688 3.066 3.503 3.698 4.173 75 61 .842 1.034 1.230 1.370 1.474 1.588 1.710 1.818 1.956 2.166 2.4_0 2.788 3.189 3.663 3.936 4.438 76 62 .878 1.092 1.292 1.434 1.544 1._62 1.784 1.897 2.040 2.250 2.531 2.874 3.293 3.803 4.189 4.744 77 63 .914 1.150 1.349 1.492 1.610 1.734 1.856 1.975 2.126 2.336 2.614 2.961 3.400 3.950 4.466 5.140 78 64 .951 1.202 1.399 1.543 1.669 1.800 1.926 2.054 2.216 2.429 2.709 3.067 3.532 4.128 4.777 5.566 79 65 .987 1.245 1.439 1.586 1.721 1.860 1.992 2.133 2.310 2.530 2.825 3.208 3.711 4.366 5.132 6.023 80 66 1.024 1.283 1.472 1.622 1.766 1.915 2.055 2.212 2.407 2.637 2.953 3.367 3.915 4.636 5.520 6.473 81 67 1.0_0 1.314 1.497 1.650 1.805 1.963 2.116 2.291 2.507 2.752 3.097 3.553 4.156 4.952 5.948 6.952 82 68 1.097 1.334 1.511 1.670 1.834 2.004 2.172 2.369 2.611 2.878 3.267 3.781 4.455 5.340 6.423 7.483 83 69 1.133 1.341 1.513 1.679 1.852 2.036 2.225 2.447 2.719 3.016 3.468 4.061 4.823 5.813 6.952 8.138 84 70 1.170 1.336 1.503 1.679 1.8_1 2.059 2.274 2.524 2.831 3.167 3.699 4.391 5.260 6.371 7.534 8.932 85 71 1.286 1.447 1.618 1.818 2.034 2.270 2.546 2.869 3.256 3.653 4.262 5.048 6.013 7.218 8.480 10.094 86 72 1.408 1.565 1.741 1.969 2.225 2.511 2.858 3.263 3.736 4.203 4.900 5.800 6.874 8.179 9.542 11.474 87 73 1.535 1.693 1.875 2.135 2.442 2.794 3.221 3.717 4.279 4.827 5.625 6.667 7.875 9.289 10.752 12.977 88 74 1.668 1.832 2.022 2.319 2._88 3.124 3.643 4.237 4.891 5.530 6.443 7.661 9.030 10.563 12.127 14.288 89 75 1.805 1.981 2.181 2.520 2.9_3 3.301 4.122 4.823 5.570 6.312 7.353 8.782 10.339 12.003 13.668 90
CONTENDER Table #9 Page 1 of 2 PREFERRED NON-SMOKER MALE
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15 1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16 2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17 3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18 4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19 5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20 6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .073 21 7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .072 .073 22 8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .072 .072 .073 23 9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .071 .072 .072 .073 24 10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .071 .071 .072 .072 .073 25 11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .070 .071 .071 .072 .072 .073 26 12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .070 .070 .071 .071 .072 .072 .073 27 13 .110 .110 .120 .120 .130 .140 .140 .140 .070 .070 .070 .071 .071 .072 .072 .073 28 14 .110 .120 .120 .130 .140 .140 .140 .069 .070 .070 .070 .071 .071 .072 .072 .073 29 15 .120 .120 .130 .140 .140 .140 .069 .069 .070 .070 .070 .071 .071 .072 .072 .073 30 16 .120 .130 .140 .140 .140 .068 .069 .069 .070 .070 .070 .071 .071 .072 .072 .074 31 17 .130 .140 .140 .140 .068 .068 .069 .069 .070 .070 .070 .071 .071 .072 .073 .074 32 18 .140 .140 .140 .067 .068 .068 .069 .069 .070 .070 .070 .071 .072 .073 .073 .074 33 19 .140 .140 .067 .067 .068 .068 .069 .069 .070 .070 .070 .071 .073 .073 .074 .075 34 20 .140 .067 .067 .067 .068 .068 .069 .069 .070 .070 .071 .072 .073 .073 .075 .083 35 21 .066 .067 .067 .067 .068 .068 .069 .069 .070 .071 .072 .072 .073 .075 .082 .086 36 22 .066 .067 .067 .067 .068 .068 .069 .069 .070 .071 .072 .072 .074 .082 .086 .092 37 23 .066 .067 .067 .067 .068 .068 .069 .070 .071 .071 .072 .074 .081 .086 .091 .098 38 24 .066 .067 .067 .067 .068 .068 .069 .070 .071 .072 .073 .081 .085 .091 .098 .104 39 25 .066 .067 .067 .067 .068 .069 .070 .070 .071 .073 .081 .085 .090 .097 .104 .112 40 26 .066 .067 .067 .067 .068 .069 .070 .071 .072 .080 .084 .090 .096 .103 .112 .119 41 27 .066 .067 .067 .067 .068 .069 .070 .071 .079 .083 .089 .096 .102 .111 .118 .126 42 28 .066 .067 .067 .067 .068 .069 .071 .078 .083 .088 .095 .102 .110 .117 .125 .134 43 29 .066 .067 .067 .067 .068 .069 .077 .081 .087 .094 .101 .109 .116 .124 .134 .144 44 30 .066 .067 .067 .067 .069 .076 .081 .086 .092 .099 .108 .115 .123 .132 .143 .156 45 31 .066 .067 .067 .070 .074 .080 .085 .090 .096 .102 .111 .120 .131 .144 .158 .171 46 32 .066 .067 .070 .074 .078 .085 .090 .095 .101 .107 .117 .128 .142 .157 .173 .188 47 33 .066 .068 .072 .078 .083 .090 .095 .100 .107 .115 .125 .138 .154 .171 .189 .206 48 34 .067 .071 .076 .082 .088 .095 .101 .107 .116 .124 .136 .150 .167 .186 .206 .227 49 35 .070 .074 .079 .086 .092 .100 .107 .115 .125 .135 .148 .164 .182 .202 .224 .248 50 36 .075 .079 .085 .093 .100 .109 .117 .127 .138 .150 .165 .182 .203 .224 .249 .275 51 37 .081 .086 .092 .100 .108 .117 .128 .139 .153 .168 .185 .204 .226 .249 .275 .303 52 38 .088 .093 .100 .108 .117 .127 .140 .154 .170 .187 .207 .227 .251 .275 .304 .333 53 39 .095 .101 .108 .117 .127 .138 .153 .170 .188 .208 .230 .253 .278 .304 .336 .370 54 40 .103 .109 .118 .127 .138 .151 .168 .187 .207 .230 .255 .280 .307 .337 .372 .412 55 41 .110 .117 .127 .139 .151 .166 .1_4 .205 .227 .251 .279 .308 .338 .372 .411 .455 56 42 .116 .125 .137 .151 .165 .182 .202 .223 .247 .274 .304 .336 .371 .409 .454 .503 57 43 .123 .135 .149 .164 .182 .201 .222 .244 .269 .298 .330 .367 .406 .449 .500 .556 58 44 .132 .146 .162 .179 .199 .221 .244 .268 .294 .326 .361 .402 .446 .496 .553 .616 59 45 .144 .160 .178 .197 .220 .244 .269 .295 .323 .358 .397 .442 .491 .548 .612 .685 60 46 .162 .179 .199 .221 .246 .273 .300 .329 .360 .399 .442 .492 .547 .609 .679 .755 61 47 .184 .203 .224 .248 .275 .305 .335 .367 .403 .445 .493 .548 .609 .677 .754 .834 62 48 .208 .228 .252 .276 .306 .340 .372 .408 .449 .495 .548 .608 .676 .751 .835 .923 63 49 .231 .254 .279 .305 .338 .375 .411 .451 .496 .548 .606 .672 .747 .830 .921 1.020 64 50 .253 .278 .306 .334 .369 .409 .450 .494 .544 .600 .664 .737 .820 .911 1.014 1.133 65 51 .271 .298 .328 .358 .395 .438 .483 .532 .587 .649 .718 .799 .889 .989 1.100 1.249 66 52 .286 .315 .347 .379 .419 .465 .515 .569 .630 .697 .773 .861 .958 1.066 1.188 1.383 67 53 .300 .331 .367 .401 .443 .493 .548 .608 .674 .747 .830 .927 1.032 1.151 1.286 1.526 68 54 .316 .350 .390 .427 .473 .526 .587 .653 .725 .804 .894 1.002 1.119 1.253 1.407 1.659 69 55 .337 .373 .417 .461 .512 .570 .635 .707 .785 .871 .970 1.088 1.222 1.380 1.563 1.773 70 56 .355 .394 .440 .496 .554 .618 .686 .761 .846 .935 1.043 1.167 1.321 1.508 1.732 1.996 71 57 .374 .416 .463 .535 .601 .675 .742 .822 .914 1.007 1.122 1.248 1.427 1.650 1.923 2.252 72 58 .397 .442 .492 .581 .656 .733 .808 .891 .990 1.086 1.210 1.344 1.552 1.817 2.145 2.533 73 59 .426 .479 .533 .638 .721 .810 .882 .967 1.074 1.176 1.314 1.462 1.706 2.019 2.407 2.850 74 60 .464 .529 .591 .707 .797 .892 .965 1.055 1.168 1.278 1.436 1.611 1.898 2.269 2.715 3.206 75 61 .510 .597 .675 .793 .884 .976 1.050 1.141 1.258 1.378 1.565 1.786 2.129 2.569 3.074 3.610 76 62 .561 .681 .776 .891 .980 1.067 1.140 1.231 1.348 1.481 1.702 1.983 2.391 2.910 3.476 4.062 77 63 .622 .773 .__9 1.002 1.088 1.170 1.245 1.33_ 1.457 1.605 1.864 2.212 2.690 3.294 3.921 4.567 78 64 .695 .874 1.011 1.122 1.211 1.292 1.374 1.471 1.599 1.767 2.067 2.482 3.032 3.722 4.412 5.120 79 65 .780 .982 1.136 1.251 1.348 1.440 1.535 1.648 1.792 1.982 2.325 2.803 3.423 4.195 4.952 5.710 80 66 .876 1.083 1.249 1.375 1.492 1.604 1.723 1.861 2.030 2.247 2.630 3.161 3.847 4.707 5.541 6.331 81 67 .983 1.187 1.364 1.510 1.649 1.787 1.937 2.106 2.306 2.551 2.976 3.537 4.312 5.261 6.180 7.016 82 68 1.102 1.300 1.486 1.654 1.821 1.994 2.1_1 2.388 2.628 2.906 3.375 4.006 4.826 5.861 6.863 7.762 83 69 1.233 1.425 1.620 1.813 2.015 2.229 2.461 2.718 3.004 3.322 3.839 4.525 5.404 6.510 7.583 8.618 84 9.574 85 10.395 86 11.290 87 12.243 88 13.065 89
CONTENDER Table #9 Page 2 of 2 PREFERRED NON-SMOKER FEMALE
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMAT --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------- 0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15 1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16 2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17 3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18 4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19 5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20 6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .063 21 7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .062 .063 22 8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .062 .062 .063 23 9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .062 .062 .062 .063 24 10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .061 .062 .062 .062 .063 25 11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .061 .061 .062 .062 .062 .063 26 12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .061 .061 .061 .062 .062 .062 .063 27 13 .100 .100 .110 .110 .120 .120 .120 .120 .060 .061 .061 .061 .062 .062 .062 .063 28 14 .100 .110 .110 .120 .120 .120 .120 .060 .060 .061 .061 .061 .062 .062 .062 .063 29 15 .110 .110 .120 .120 .120 .120 .060 .060 .060 .061 .061 .061 .062 .062 .062 .063 30 16 .110 .120 .120 .120 .120 .060 .060 .060 .060 .061 .061 .061 .062 .062 .063 .064 31 17 .120 .120 .120 .120 .059 .060 .060 .060 .060 .061 .061 .061 .062 .062 .063 .064 32 18 .120 .120 .120 .058 .059 .060 .060 .060 .060 .061 .061 .061 .062 .063 .063 .064 33 19 .120 .120 .058 .058 .059 .060 .060 .060 .060 .061 .061 .062 .063 .063 .064 .065 34 20 .120 .058 .058 .058 .059 .060 .060 .060 .060 .061 .062 .063 .063 .064 .065 .068 35 21 .057 .058 .058 .058 .059 .060 .060 .060 .060 .061 .062 .063 .063 .065 .068 .073 36 22 .057 .058 .058 .058 .059 .060 .060 .060 .061 .062 .062 .063 .065 .067 .072 .077 37 23 .057 .058 .058 .058 .059 .060 .060 .061 .062 .062 .063 .064 .066 .072 .077 .084 38 24 .057 .058 .058 .058 .059 .060 .060 .061 .062 .063 .064 .066 .071 .076 .083 .090 39 25 .057 .058 .058 .058 .059 .060 .060 .061 .062 .063 .066 .071 .076 .083 .090 .097 40 26 .057 .058 .058 .058 .059 .060 .060 .061 .062 .065 .070 .076 .082 .089 .097 .104 41 27 .057 .058 .058 .058 .059 .060 .060 .062 .064 .069 .074 .081 .088 .096 .103 .110 42 28 .057 .058 .058 .058 .059 .060 .061 .064 .068 .074 .080 .087 .095 .102 .109 .118 43 29 .057 .058 .058 .058 .059 .060 .062 .067 .073 .079 .086 .094 .101 .108 .117 .126 44 30 .057 .058 .058 .058 .059 .061 .065 .071 .077 .085 .092 .100 .107 .115 .125 .137 45 31 .057 .058 .058 .058 .062 .065 .070 .074 .080 .086 .095 .103 .114 .125 .138 .150 46 32 .057 .058 .058 .060 .065 .070 .075 .079 .084 .091 .099 .109 .123 .137 .153 .166 47 33 .057 .058 .058 .063 .068 .074 .080 .084 .090 .097 .106 .118 .133 .149 .167 .182 48 34 .057 .058 .060 .065 .071 .078 .084 .090 .096 .105 .116 .128 .145 .162 .182 .200 49 35 .057 .058 .062 .068 .075 .082 .089 .096 .104 .114 .126 .140 .158 .177 .198 .217 50 36 .057 .060 .066 .072 .079 .087 .095 .103 .113 .124 .136 .152 .170 .190 .211 .233 51 37 .059 .064 .070 .078 .083 .091 .101 .111 .122 .135 .148 .165 .184 .203 .225 .248 52 38 .063 .068 .074 .080 .088 .097 .107 .119 .132 .146 .161 .179 .198 .218 .240 .264 53 39 .068 .073 .078 .085 .093 .102 .113 .127 .142 .158 .174 .193 .212 .232 .254 .279 54 40 .072 .077 .083 .091 .099 .109 .121 .136 .152 .169 .186 .206 .226 .248 .271 .296 55 41 .075 .081 .088 .096 .106 .116 .129 .144 .161 .179 .196 .218 .240 .263 .288 .315 56 42 .078 .085 .093 .103 .113 .124 .138 .153 .170 .188 .206 .229 .252 .278 .305 .338 57 43 .081 .089 .099 .109 .121 .133 .148 .163 .180 .198 .216 .240 .266 .294 .323 .358 58 44 .085 .093 .105 .117 .130 .142 .158 .173 .190 .208 .228 .253 .281 .311 .343 .380 59 45 .090 .100 .112 .125 .139 .152 .168 .185 .202 .220 .241 .267 .298 .330 .364 .404 60 46 .101 .113 .126 .140 .156 .171 .189 .207 .226 .247 .271 .301 .336 .372 .412 .456 61 47 .115 .12_ .142 .158 .174 .191 .211 .232 .254 .278 .305 .339 .379 .420 .464 .515 62 48 .129 .144 .169 .176 .194 .213 .235 .259 .284 .311 .342 .381 .425 .472 .522 .579 63 49 .144 .160 .177 .195 .214 .236 .260 .287 .315 .346 .381 .425 .476 .528 .585 ._49 64 50 .157 .175 .193 .213 .234 .257 .284 .315 .347 .382 .421 .471 .527 .587 .654 .727 65 51 .167 .180 .206 .227 .249 .276 .305 .340 .377 .415 .458 .515 .578 .647 .724 .815 66 52 .176 .195 .218 .239 .264 .292 .326 .365 .405 .449 .495 .559 .629 .708 .799 .914 67 53 .183 .204 .229 .252 .278 .309 .348 .391 .435 .484 .535 .605 .683 .774 .881 1.024 68 54 .192 .214 .242 .268 .297 .330 .372 .420 .470 .524 .580 .658 .745 .848 .973 1.142 69 55 .202 .227 .258 .287 .320 .357 .403 .455 .510 .570 .635 .720 .816 .932 1.079 1.27_ 70 56 .214 .241 .273 .310 .348 .389 .437 .493 .555 .620 .700 .784 .885 1.005 1.175 1.400 71 57 .227 .255 .289 .336 .380 .425 .477 .536 .605 .678 .774 .854 .958 1.081 1.275 1.514 72 58 .241 .273 .309 .367 .417 .468 .521 .584 .661 .741 .855 .933 1.044 1.171 1.392 1.615 73 59 .260 .296 .336 .405 .461 .517 .571 .637 .720 .807 .941 1.022 1.146 1.287 1.542 1.826 74 60 .284 .328 .373 .450 .513 .575 .630 .695 .780 .875 1.026 1.123 1.271 1.442 1.736 2.071 75 61 .313 .373 .428 .507 .575 .644 .694 .753 .828 .927 1.093 1.223 1.415 1.643 1.983 2.375 76 62 .348 .426 .493 .574 .644 .722 .766 .813 .872 .974 1.151 1.328 1.576 1.878 2.272 2.717 77 63 .387 .487 .568 .648 .722 .807 .846 .881 .925 1.030 1.221 1.452 1.765 2.151 2.604 3.100 78 64 .433 .552 .647 .728 .807 .901 .938 .967 1.000 1.114 1.322 1.609 1.990 2.466 2.983 3.533 79 65 .487 .620 .727 .811 .897 1.002 1.044 1.077 1.115 1.242 1.474 1.816 2.263 2.825 3.412 4.019 80 66 .542 .679 .792 .883 .975 1.085 1.141 1.192 1.253 1.399 1.658 2.038 2.532 3.163 3.819 4.483 81 67 .603 .739 .857 .955 1.034 1.169 1.244 1.322 1.418 1.586 1.878 2.289 2.827 3.524 4.252 4.995 82 68 .671 .803 .923 1.032 1.141 1.262 1.363 1.475 1.615 1.812 2.141 2.588 3.171 3.935 4.739 5.575 83 69 .743 .871 .994 1.115 1.238 1.373 1.506 1.659 1.852 2.083 2.457 2.952 3.589 4.422 5.306 6.285 84 7.146 85 8.075 86 9.179 87 10.382 88 11.430 89
Table # __ page 2 of _ Base Policy Male Non-Smoker
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 21 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .15100 36 22 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .15100 37 23 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .15100 38 24 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .15100 39 25 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .15100 40 26 .153 .153 .154 .156 .156 .156 .156 .156 .156 .156 .156 .156 .156 .156 .158 .16000 41 27 .153 .156 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .161 .165 .167 .16800 42 28 .159 .160 .160 .161 .161 .161 .161 .161 .161 .161 .164 .169 .173 .175 .176 .17800 43 29 .164 .166 .166 .166 .167 .167 .167 .167 .167 .171 .176 .181 .183 .185 .188 .18700 44 30 .172 .172 .172 .172 .172 .172 .172 .173 .179 .184 .189 .192 .195 .198 .198 .19800 45 31 .177 .177 .177 .177 .177 .179 .181 .187 .193 .199 .202 .205 .209 .209 .210 .21300 46 32 .182 .182 .182 .182 .186 .189 .195 .202 .208 .212 .216 .220 .222 .223 .226 .23000 47 33 .189 .189 .189 .193 .197 .204 .211 .218 .223 .227 .232 .235 .236 .241 .247 .24900 48 34 .198 .198 .201 .205 .213 .221 .229 .234 .239 .245 .248 .251 .257 .264 .268 .27100 49 35 .209 .211 .215 .223 .232 .240 .246 .252 .259 .262 .266 .274 .282 .288 .294 .29400 50 36 .215 .219 .228 .237 .247 .255 .262 .271 .276 .282 .293 .305 .315 .326 .332 .33200 51 37 .222 .232 .242 .253 .262 .270 .281 .288 .296 .309 .325 .339 .355 .366 .373 .37000 52 38 .235 .24_ .258 .267 .277 .289 .298 .308 .324 .342 .360 .380 .397 .410 .413 .41400 53 39 .248 .261 .272 .283 .296 .307 .318 .336 .357 .378 .403 .425 .443 .452 .460 .46300 54 40 .263 .275 .287 .301 .313 .327 .347 .370 .394 .422 .448 .471 .487 .501 .512 .52200 55 41 .__6 .289 .305 .318 .333 .355 .381 .407 .439 .469 .496 .517 .537 .555 .574 .60200 56 42 .___ .307 .321 .337 .361 .389 .418 .452 .486 .517 .542 .568 .592 .619 .658 .69400 57 43 .___ .322 .340 .365 .394 .425 .463 .499 .535 .563 .594 .624 .658 .707 .754 .79400 58 44 .322 .340 .366 .397 .430 .470 .509 .548 .580 .615 .651 .691 .748 .806 .858 .90200 59 45 .339 .366 .398 .432 .474 .516 .557 .593 .632 .671 .718 .783 .850 .913 .970 1.01800 60 46 .359 .392 .427 .470 .514 .558 .596 .639 .683 .734 .806 .882 .955 1.024 1.087 1.12900 61 47 .383 .419 .463 .507 .553 .594 .639 .687 .743 .820 .903 .986 1.065 1.141 1.197 1.25300 62 48 .407 .451 .497 .543 .586 .634 .684 .744 .825 .915 1.004 1.093 1.180 1.249 1.319 1.39700 63 49 .436 .481 .529 .572 .622 .674 .736 .822 .916 1.012 1.108 1.204 1.284 1.367 1.461 1.56100 64 50 .462 .509 .553 .603 .657 .721 .809 .906 1.007 1.109 1.213 1.302 1.397 1.504 1.621 1.74100 65 51 .483 .528 .578 .632 .697 .786 .885 .988 1.095 1.205 1.302 1.407 1.526 1.657 1.794 1.96800 66 52 .497 .546 .601 .665 .754 .853 .958 1.068 1.182 1.285 1.397 1.526 1.669 1.821 2.013 2.21400 67 53 .508 .562 .625 .712 .811 .915 1.026 1.143 1.250 1.368 1.504 1.657 1.821 2.028 2.248 2.48100 68 54 .516 .578 .662 .758 .861 .971 1.088 1.198 1.320 1.461 1.621 1.794 2.013 2.248 2.500 2.75600 69 55 .522 .602 .694 .794 .902 1.018 1.129 1.253 1.397 1.561 1.741 1.968 2.214 2.481 2.756 3.05500 70 56 .580 .671 .769 .876 .992 1.102 1.226 1.371 1.535 1.717 1.945 2.193 2.464 2.743 3.048 3.36900 71 57 .644 .741 .846 .960 1.070 1.194 1.338 1.502 1.684 1.913 2.162 2.435 2.717 3.026 3.353 3.72700 72 58 .708 .811 .923 1.032 1.155 1.298 1.462 1.643 1.871 2.121 2.394 2.679 2.991 3.322 3.701 4.11300 73 59 .772 .882 .989 1.110 1.252 1.414 1.593 1.820 2.069 2.342 2.627 2.941 3.275 3.657 4.075 4.54300 74 60 .835 .940 1.059 1.198 1.358 1.536 1.759 2.006 2.278 2.563 2.877 3.212 3.597 4.017 4.490 5.02400 75 61 .885 1.001 1.137 1.294 1.4_9 1.690 1.934 2.204 2.489 2.804 3.139 3.523 3.944 4.419 4.955 5.49300 76 62 .937 1.069 1.222 1.394 1.610 1.850 2.117 2.400 2.714 3.052 3.435 3.855 4.329 4.867 5.407 6.00500 77 63 .995 1.143 1.309 1.519 1.753 2.016 2.295 2.607 2.943 3.332 3.750 4.222 4.758 5.299 5.899 6.56700 78 64 1.055 1.216 1.419 1.646 1.900 2.175 2.482 2.815 3.201 3.628 4.096 4.629 5.169 5.769 6.438 7.16700 79 65 1.114 1.309 1.528 1.774 2.039 2.340 2.668 3.049 3.471 3.952 4.480 5.017 5.615 6.282 7.012 7.78500 80 66 1.260 1.472 1.712 1.971 2.261 2.581 2.952 3.364 3.834 4.371 4.898 5.485 6.140 6.856 7.616 8.51500 81 67 1.417 1.650 1.902 2.184 2.493 2.855 3.258 3.716 4.240 4.779 5.354 5.998 6.701 7.448 8.331 9.31500 82 68 1.588 1.833 2.108 2.409 2.758 3.151 3.598 4.110 4.636 5.224 5.856 6.546 7.279 8.146 9.113 10.17700 83 69 1.764 2.032 2.325 2.665 3.044 3.480 3.979 4.493 5.068 5.713 6.391 7.110 7.962 8.911 9.957 11.16400 84 70 1.955 2.240 2.572 2.941 3.362 3.848 4.350 4.912 5.543 6.235 6.942 7.777 8.710 9.736 10.922 12.25800 85 71 2.156 2.478 2.838 3.248 3.718 4.208 4.756 5.372 6.049 6.773 7.593 8.508 9.516 10.680 11.992 13.46900 86 72 2.385 2.735 3.135 3.592 4.065 4.600 5.201 5.863 6.571 7.408 8.306 9.295 10.438 11.727 13.177 14.80000 87 73 2.632 3.021 3.467 3.928 4.444 5.030 5.676 6.368 7.187 8.104 9.075 10.196 11.461 12.885 14.479 16.23700 88 74 2.908 3.341 3.790 4.294 4.860 5.490 6.166 6.965 7.862 8.854 9.955 11.196 12.594 14.159 15.885 17.52500 89 75 3.215 3.653 4.143 4.695 5.304 5.963 6.744 7.620 8.589 9.713 10.930 12.302 13.838 15.533 17.145 18.57600 90 19.24900 91 19.92900 92 21.05500 93 22.77100 94
Table # __ page 5 of _ Base Policy Female Non-Smoker
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 21 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .13300 36 22 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .13300 37 23 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .13300 38 24 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .13300 39 25 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .135 .13800 40 26 .134 .134 .134 .135 .135 .135 .135 .135 .135 .135 .135 .135 .135 .139 .141 .14400 41 27 .136 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .140 .143 .145 .148 .14900 42 28 .142 .145 .145 .145 .145 .145 .145 .145 .145 .145 .145 .149 .151 .153 .155 .15600 43 29 .149 .149 .149 .149 .149 .149 .149 .149 .149 .152 .155 .157 .159 .161 .161 .16200 44 30 .158 .159 .159 .159 .159 .159 .159 .159 .159 .163 .165 .167 .169 .169 .169 .16900 45 31 .162 .162 .162 .162 .162 .162 .164 .167 .171 .173 .176 .178 .178 .179 .179 .17900 46 32 .169 .169 .169 .169 .171 .173 .176 .181 .183 .186 .189 .189 .190 .190 .190 .19100 47 33 .179 .179 .179 .179 .183 .186 .191 .194 .197 .200 .200 .202 .202 .204 .204 .20400 48 34 .189 .188 .189 .192 .197 .202 .206 .209 .213 .214 .215 .216 .219 .220 .220 .22000 49 35 .201 .201 .204 .209 .215 .218 .223 .227 .228 .231 .232 .236 .239 .239 .239 .23900 50 36 .205 .208 .214 .221 .225 .231 .237 .240 .244 .247 .254 .261 .267 .271 .271 .27100 51 37 .211 .217 .225 .231 .238 .245 .249 .256 .261 .271 .281 .291 .296 .296 .296 .29600 52 38 .220 .229 .235 .243 .252 .257 .266 .273 .285 .299 .312 .327 .327 .333 .333 .33300 53 39 .231 .238 .247 .257 .264 .274 .283 .298 .314 .331 .350 .360 .360 .360 .360 .36000 54 40 .240 .250 .260 .269 .280 .291 .307 .326 .346 .369 .391 .391 .393 .393 .393 .39300 55 41 .251 .262 .272 .284 .296 .315 .336 .359 .385 .411 .419 .419 .419 .420 .420 .42000 56 42 .263 .273 .287 .300 .320 .343 .368 .398 .427 .439 .446 .451 .454 .454 .454 .45400 57 43 .273 .287 .302 .323 .348 .375 .407 .439 .454 .466 .475 .483 .493 .501 .501 .50100 58 44 .286 .301 .324 .350 .379 .413 .448 .466 .481 .494 .507 .522 .537 .548 .549 .54900 59 45 .299 .322 .349 .380 .416 .453 .474 .492 .508 .524 .544 .566 .583 .596 .599 .59900 60 46 .322 .350 .381 .420 .459 .482 .502 .522 .541 .565 .592 .615 .634 .646 .652 .65300 61 47 .349 .381 .420 .461 .486 .509 .531 .554 .582 .613 .641 .666 .685 .698 .707 .71300 62 48 .378 .418 .461 .487 .512 .536 .562 .593 .628 .661 .691 .716 .736 .752 .767 .78200 63 49 .414 .457 .485 .511 .537 .566 .599 .638 .675 .710 .740 .766 .789 .812 .836 .85900 64 50 .450 .479 .506 .535 .564 .601 .642 .683 .722 .758 .789 .818 .848 .881 .913 .94300 65 51 .470 .498 .528 .559 .597 .641 .684 .727 .766 .803 .838 .875 .915 .956 .996 1.06300 66 52 .487 .517 .549 .589 .634 .680 .725 .768 .808 .849 .891 .938 .988 1.037 1.116 1.19300 67 53 .502 .535 .576 .622 .669 .717 .762 .806 .851 .898 .951 1.008 1.066 1.155 1.245 1.33300 68 54 .517 .558 .605 .653 .702 .750 .796 .844 .896 .954 1.016 1.081 1.180 1.280 1.382 1.47800 69 55 .535 .582 .631 .681 .730 .779 .829 .884 .946 1.014 1.084 1.191 1.300 1.413 1.522 1.63500 70 56 .577 .627 .678 .729 .779 .831 .888 .953 1.023 1.098 1.208 1.323 1.442 1.559 1.680 1.77900 71 57 .620 .672 .724 .775 .829 .888 .955 1.028 1.106 1.220 1.340 1.465 1.587 1.716 1.823 1.94200 72 58 .663 .715 .768 .823 .884 .953 1.028 1.108 1.226 1.350 1.480 1.608 1.743 1.857 1.985 2.11500 73 59 .704 .757 .814 .876 .946 1.023 1.106 1.226 1.354 1.488 1.621 1.761 1.882 2.017 2.156 2.30600 74 60 .743 .800 .863 .934 1.014 1.098 1.220 1.350 1.488 1.626 1.771 1.898 2.039 2.186 2.344 2.51800 75 61 .782 .845 .917 .997 1.083 1.206 1.338 1.478 1.619 1.769 1.901 2.048 2.202 2.369 2.552 2.82100 76 62 .824 .896 .976 1.062 1.186 1.319 1.460 1.603 1.757 1.893 2.046 2.205 2.380 2.572 2.851 3.15800 77 63 .871 .950 1.036 1.160 1.293 1.435 1.580 1.735 1.874 2.031 2.196 2.377 2.576 2.864 3.182 3.53600 78 64 .921 1.006 1.129 1.261 1.402 1.548 1.704 1.846 2.006 2.174 2.360 2.565 2.861 3.187 3.553 3.94700 79 65 .971 1.092 1.223 1.363 1.508 1.664 1.807 1.969 2.140 2.329 2.539 2.840 3.174 3.548 3.954 4.38400 80 66 1.095 1.226 1.366 1.511 1.668 1.811 1.973 2.145 2.334 2.543 2.845 3.179 3.554 3.960 4.391 4.94600 81 67 1.229 1.370 1.515 1.672 1.815 1.977 2.149 2.338 2.548 2.849 3.184 3.560 3.967 4.399 4.954 5.57100 82 68 1.373 1.519 1.676 1.819 1.981 2.153 2.343 2.553 2.855 3.190 3.565 3.973 4.406 4.962 5.580 6.25800 83 69 1.522 1.680 1.823 1.98_ 2.157 2.348 2.558 2.861 3.196 3.571 3.980 4.413 4.971 5.590 6.268 7.04800 84 70 1.684 1.828 1.991 2.163 2.352 2.563 2.866 3.202 3.578 3.986 4.421 4.979 5.599 6.279 7.060 7.93600 85 71 1.832 1.995 2.168 2.358 2.568 2.872 3.209 3.586 3.994 4.428 4.987 5.608 6.289 7.072 7.949 9.08800 86 72 2.000 2.173 2.364 2.575 2.877 3.215 3.593 4.002 4.437 4.995 5.617 6.300 7.083 7.962 9.103 10.38100 87 73 2.178 2.369 2.581 2.884 3.221 3.600 4.010 4.445 5.005 5.627 6.310 7.095 7.976 9.118 10.398 11.81200 88 74 2.375 2.587 2.892 3.229 3.607 4.018 4.454 5.015 5.638 6.321 7.107 7.989 9.133 10.41_ 11.832 13.19600 89 75 2.594 2.899 3.237 3.616 4.026 4.463 5.025 5.649 6.333 7.118 8.002 9.149 10.433 11.851 13.218 14.45000 90 14.97400 91 15.50300 92 16.37900 93 17.71400 94
Table # __ page 3 __ Base Policy Male Smoker
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 21 .178 .178 .178 .178 .178 .178 .178 .18_ .191 .194 .195 .195 .195 .197 .202 .20200 36 22 .178 .178 .178 .178 .178 .178 .186 .191 .194 .195 .195 .195 .197 .202 .209 .20900 37 23 .178 .178 .178 .178 .178 .18_ .191 .194 .195 .195 .195 .197 .202 .209 .220 .22100 38 24 .178 .178 .178 .178 .186 .191 .194 .195 .195 .195 .197 .202 .209 .220 .234 .24200 39 25 .178 .178 .178 .18_ .191 .194 .195 .195 .195 .197 .202 .209 .220 .234 .249 .26700 40 26 .180 .180 .1_7 .192 .198 .198 .198 .198 .199 .204 .211 .222 .235 .250 .268 .28900 41 27 .184 .189 .193 .199 .201 .201 .201 .203 .207 .214 .225 .238 .252 .270 .290 .31100 42 28 .194 .197 .202 .206 .206 .206 .207 .211 .218 .228 .241 .255 .273 .292 .314 .33500 43 29 .202 .207 .211 .211 .211 .212 .216 .222 .233 .245 .260 .277 .296 .317 .339 .36100 44 30 .213 .215 .215 .215 .217 .221 .228 .238 .251 .265 .282 .301 .322 .343 .365 .39000 45 31 .222 .222 .222 .222 .227 .234 .244 .257 .271 .288 .307 .329 .350 .371 .396 .41400 46 32 .229 .229 .229 .233 .240 .251 .264 .278 .296 .315 .336 .357 .379 .404 .422 .44100 47 33 .238 .238 .242 .24_ .259 .272 .287 .304 .324 .346 .3_7 .389 .413 .431 .451 .47200 48 34 .249 .252 .258 .269 .281 .296 .314 .334 .356 .378 .400 .425 .443 .463 .484 .50800 49 35 .265 .270 .281 .293 .306 .325 .346 .368 .390 .413 .439 .457 .477 .498 .522 .54500 50 36 .274 .285 .299 .313 .331 .353 .378 .402 .427 .455 .476 .499 .524 .553 .581 .60300 51 37 .289 .303 .31_ .338 .360 .386 .412 .439 .469 .493 .519 .548 .581 .614 .641 .66000 52 38 .306 .323 .344 .367 .392 .420 .448 .481 .507 .536 .5_8 .605 .643 .675 .700 .72300 53 39 .326 .34_ .372 .399 .426 .457 .491 .519 .551 .586 .626 .669 .706 .735 .764 .79400 54 40 .350 .375 .404 .432 .463 .499 .529 .563 .600 .644 .690 .732 .7_6 .800 .836 .87900 55 41 .376 .406 .436 .468 .504 .536 .572 .612 .659 .709 .754 .792 .831 .873 .923 .98800 56 42 .___ .437 .470 .509 .541 .578 .621 .670 .723 .772 .814 .858 .905 .961 1.034 1.11000 57 43 .___ .470 .510 .544 .582 ._26 .678 .734 .786 .832 .880 .932 .993 1.074 1.158 1.24000 58 44 .467 .508 .543 .583 .628 ._82 .741 .795 .845 .897 .953 1.020 1.107 1.199 1.290 1.37800 59 45 .504 .540 .5_1 .628 .683 .743 .801 .853 .908 .969 1.040 1.133 1.232 1.331 1.429 1.52100 60 46 .535 .577 .625 .682 .743 .803 .857 .915 .979 1.055 1.153 1.258 1.364 1.470 1.572 1.64100 61 47 .570 .619 .677 .740 .801 .857 .917 .984 1.0_3 1.16_ 1.277 1.389 1.502 1.612 1.690 1.77300 62 48 .609 .668 .732 .794 .853 .915 .984 1.06_ 1.172 1.288 1.405 1.525 1.643 1.729 1.820 1.92500 63 49 .655 .720 .783 .843 .908 .979 1.063 1.172 1.291 1.414 1.539 1._63 1.756 1.856 1.970 2.09300 64 50 .703 .767 .828 .895 .969 1.055 1.166 1.288 1.414 1.543 1.673 1.772 1.879 2.002 2.135 2.27300 65 51 .747 .808 .875 .950 1.039 1.152 1.276 1.405 1.538 1.673 1.778 1.891 2.021 2.163 2.311 2.49400 66 52 .783 .850 .925 1.015 1.130 1.256 1.387 1.524 1.6_2 1.772 1.891 2.028 2.177 2.334 2.527 2.72500 67 53 .820 .895 .984 1.100 1.228 1.360 1.499 1.640 1.755 1.879 2.021 2.177 2.341 2.544 2.752 2.96700 68 54 .859 .948 1.062 1.189 1.324 1.464 1.607 1.725 1.854 2.002 2.1_3 2.334 2.544 2.761 2.987 3.20700 69 55 .905 1.018 1.143 1.277 1.419 1.564 1.684 1.816 1.9_7 2.135 2.311 2.527 2.752 2.987 3.218 3.4_100 70 56 .986 1.110 1.242 1.384 1.530 1.651 1.784 1.937 2.106 2.287 2.506 2.736 2.976 3.213 3.464 3.76600 71 57 1.072 1.203 1.342 1.488 1.611 1.745 1.898 2.068 2.250 2.474 2.707 2.951 3.194 3.452 3.761 4.11300 72 58 1.158 1.295 1.439 1.562 1.699 1.852 2.022 2.205 2.429 2.665 2.913 3.160 3.423 3.738 4.098 4.48100 73 59 1.243 1.384 1.506 1._42 1.798 1.967 2.150 2.374 2.611 2.860 3.111 3.378 3.698 4.064 4.454 4.88700 74 60 1.323 1.444 1.578 1.733 1.905 2.087 2.309 2.545 2.795 3.047 3.317 3.640 4.010 4.40_ 4.846 5.33700 75 61 1.372 1.504 1.656 1.825 2.009 2.231 2.466 2.715 2.968 3.240 3.5_5 3.938 4.338 4.783 5.280 5.76700 76 62 1.422 1.571 1.737 1.918 2.140 2.373 2.622 2.875 3.147 3.472 3.846 4.248 4.696 5.198 5.692 6.23000 77 63 1.478 1._41 1.818 2.035 2.267 2.514 2.766 3.037 3.362 3.735 4.137 4.587 5.092 5.590 6.134 6.73100 78 64 1.536 1.709 1.920 2.147 2.391 2.641 2.911 3.234 3.605 4.006 4.455 4.960 5.461 6.010 6.612 7.25600 79 65 1.591 1.79_ 2.017 2.255 2.501 2.769 3.088 3.455 3.854 4.301 4.803 5.306 5.856 6.462 7.111 7.78500 80 66 1.746 1.962 2.196 2.437 2.700 3.013 3.373 3.764 4.203 4.697 5.190 5.732 6.327 6.966 7.629 8.51500 81 67 1.908 2.136 2.373 2.630 2.937 3.290 3.674 4.105 4.590 5.075 5.607 6.193 6.821 7.474 8.331 9.31500 82 68 2.077 2.309 2.5_1 2.8_2 3.208 3.585 4.007 4.483 4.960 5.482 6.058 6.676 7.318 8.14_ 9.113 10.17700 83 69 2.245 2.492 2.787 3.12_ 3.495 3.910 4.376 4.844 5.358 5.923 6.530 7.162 7.962 8.911 9.957 11.16400 84 70 2.423 2.712 3.044 3.40_ 3.812 4.270 4.729 5.233 5.789 6.385 7.007 7.777 8.710 9.736 10.922 12.25800 85 71 2.636 2.961 3.316 3.714 4.163 4.614 5.109 5.654 6.240 6.851 7.593 8.508 9.516 10.680 11.992 13.46900 86 72 2.879 3.226 3.616 4._5_ 4.498 4.984 5.519 6.095 6.695 7.408 8.306 9.295 10.438 11.727 13.177 14.80000 87 73 3.137 3.519 3.949 4.383 4.859 5.385 5.950 6.539 7.233 8.104 9.075 10.196 11.461 12.885 14.479 16.23700 88 74 3.421 3.843 4.268 4.735 5.250 5.805 6.384 7.064 7.862 8.854 9.955 11.196 12.594 14.159 15.885 17.52500 89 75 3.736 4.152 4.610 5.116 5.660 6.228 6.896 7.634 8.589 9.713 10.930 12.302 13.838 15.533 17.145 18.57600 90 19.24900 91 19.92900 92 21.05500 93 22.77100 94
Table # __ page 6 __ Base Policy Female Smoker
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 21 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .16000 36 22 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .16000 37 23 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .16000 38 24 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .16000 39 25 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .16100 40 26 .164 .164 .1__ .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .168 .171 .17300 41 27 .170 .170 .170 .170 .170 .170 .170 .170 .170 .170 .172 .174 .179 .183 .185 .18700 42 28 .177 .177 .178 .178 .178 .178 .178 .178 .179 .182 .185 .190 .195 .198 .200 .20000 43 29 .182 .186 .1_7 .187 .187 .187 .187 .188 .192 .197 .203 .208 .212 .215 .216 .21600 44 30 .192 .193 .193 .193 .194 .19_ .198 .203 .207 .215 .221 .226 .231 .233 .234 .23400 45 31 .200 .200 .200 .200 .205 .208 .213 .219 .228 .236 .242 .248 .252 .256 .257 .26000 46 32 .208 .20_ .208 .212 .218 .224 .230 .240 .249 .258 .266 .272 .277 .281 .287 .29100 47 33 .217 .217 .221 .22_ .235 .242 .253 .263 .273 .283 .291 .298 .304 .313 .320 .32700 48 34 .229 .232 .237 .245 .254 .266 .277 .288 .300 .310 .319 .327 .339 .350 .360 .37100 49 35 .245 .250 .258 .266 .279 .292 .304 .317 .328 .339 .350 .364 .378 .392 .408 .42000 50 36 .252 .261 .271 .285 .299 .312 .327 .340 .353 .366 .384 .402 .420 .441 .460 .46000 51 37 .263 .274 .2_9 .304 .319 .335 .350 .365 .380 .400 .422 .445 .471 .496 .498 .49800 52 38 .276 .292 .308 .324 .341 .358 .375 .392 .415 .439 .466 .497 .527 .534 .534 .53200 53 39 .293 .310 .327 .346 .364 .382 .401 .427 .454 .484 .519 .554 .567 .571 .573 .57300 54 40 .311 .329 .348 .368 .388 .409 .436 .46_ .499 .538 .578 .594 .603 .611 .616 .62400 55 41 .329 .349 .369 .391 .413 .443 .475 .511 .553 .596 .617 .630 .643 .653 .668 .67100 56 42 ._48 .369 .392 .415 .447 .481 .519 .564 .611 .635 .652 .669 .685 .705 .715 .71900 57 43 .367 .391 .415 .448 .484 .524 .572 .622 .649 .669 .690 .711 .736 .752 .762 .76600 58 44 .387 .413 .446 .483 .525 .575 .628 .658 .682 .706 .731 .761 .782 .798 .808 .81000 59 45 .408 .442 .480 .523 .575 .630 .663 .689 .717 .745 .780 .805 .827 .843 .851 .85100 60 46 .444 .483 .527 .581 .638 .672 .700 .731 .762 .800 .829 .854 .874 .886 .891 .92700 61 47 .484 .529 .584 .643 .679 .709 .742 .775 .816 .848 .877 .901 .917 .926 .968 1.01300 62 48 .529 .585 .645 .683 .715 .750 .785 .829 .864 .896 .923 .943 .956 1.003 1.055 1.11100 63 49 .584 .645 .685 .718 .755 .793 .839 .876 .911 .941 .964 .980 1.033 1.090 1.153 1.22200 64 50 .643 .68_ .718 .757 .796 .845 .884 .922 .954 .980 1.000 1.057 1.119 1.189 1.265 1.34200 65 51 .678 .714 .754 .795 .846 .888 .928 .963 .992 1.014 1.075 1.143 1.218 1.300 1.385 1.44300 66 52 .708 .748 .791 .843 .887 .929 .967 .999 1.024 1.088 1.160 1.240 1.328 1.420 1.485 1.54400 67 53 .739 .783 .836 .882 .926 .966 1.001 1.029 1.096 1.171 1.255 1.349 1.447 1.518 1.584 1.64600 68 54 .771 .826 .872 .918 .9_1 .997 1.028 1.093 1.176 1.264 1.363 1.465 1.543 1.615 1.684 1.74100 69 55 .811 .859 .906 .950 .988 1.021 1.094 1.175 1.267 1.369 1.476 1.558 1.637 1.712 1.776 1.83800 70 56 .852 .900 .945 .985 1.020 1.094 1.177 1.271 1.376 1.487 1.573 1.655 1.735 1.804 1.871 2.00000 71 57 .892 .938 .978 1.014 1.090 1.175 1.271 1.37_ 1.492 1.582 1.668 1.751 1.825 1.897 2.032 2.18300 72 58 .927 .969 1.006 1.083 1.1_9 1.267 1.376 1.492 1.584 1.674 1.761 1.839 1.915 2.056 2.214 2.37800 73 59 .956 .994 1.072 1.154 1.258 1.369 1.487 1.582 1.674 1.765 1.845 1.926 2.072 2.235 2.407 2.59300 74 60 .979 1.057 1.145 1.244 1.356 1.476 1.573 1.668 1.761 1.845 1.930 2.080 2.249 2.426 2.619 2.83100 75 61 1.038 1.12_ 1.227 1.339 1.460 1.558 1.655 1.751 1.839 1.926 2.080 2.253 2.435 2.634 2.854 3.09500 76 62 1.104 1.204 1.317 1.439 1.538 1.637 1.735 1.825 1.915 2.072 2.249 2.435 2.640 2.865 3.114 3.38300 77 63 1.178 1.290 1.412 1.512 1.612 1.712 1.804 1.897 2.056 2.235 2.426 2.634 2.865 3.120 3.397 3.70000 78 64 1.259 1.380 1.481 1.581 1.682 1.776 1.871 2.032 2.214 2.407 2.619 2.854 3.114 3.397 3.707 4.03700 79 65 1.342 1.443 1.544 1.646 1.741 1.838 2.000 2.183 2.378 2.593 2.831 3.095 3.383 3.700 4.037 4.38400 80 66 1.443 1.544 1.646 1.741 1.838 2.000 2.183 2.378 2.593 2.831 3.095 3.383 3.700 4.037 4.391 4.94600 81 67 1.544 1.646 1.741 1.838 2.000 2.183 2.378 2.593 2.831 3.095 3.383 3.700 4.037 4.399 4.954 5.57100 82 68 1.646 1.741 1.838 2.000 2.183 2.378 2.593 2.831 3.095 3.383 3.700 4.037 4.406 4.962 5.580 6.25800 83 69 1.741 1.838 2.000 2.183 2.378 2.593 2.831 3.095 3.383 3.700 4.037 4.413 4.971 5.590 6.268 7.04800 84 70 1.838 2.000 2.183 2.378 2.593 2.831 3.095 3.383 3.700 4.037 4.421 4.979 5.599 6.279 7.060 7.93600 85 71 2.000 2.183 2.378 2.593 2.831 3.095 3.383 3.700 4.037 4.428 4.987 5.608 6.289 7.072 7.949 9.08800 86 72 2.183 2.378 2.593 2.831 3.095 3.383 3.700 4.037 4.437 4.995 5.617 6.300 7.083 7.962 9.103 10.38100 87 73 2.378 2.593 2.831 3.095 3.383 3.700 4.037 4.445 5.005 5.627 6.310 7.095 7.976 9.118 10.398 11.81200 88 74 2.593 2.831 3.095 3.383 3.700 4.037 4.454 5.015 5.638 6.321 7.107 7.989 9.133 10.416 11.832 13.19600 89 75 2.831 3.095 3.383 3.700 4.037 4.463 5.025 5.649 6.333 7.118 8.002 9.149 10.433 11.851 13.218 14.45000 90 14.97400 91 15.50300 92 16.37900 93 17.71400 94
Table #16 page 1 of 6 Base Policy Male Preferred Non-Smoker
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 21 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .14000 36 22 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .14000 37 23 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .14000 38 24 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .14000 39 25 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .14000 40 26 .140 .140 .140 .140 .142 .142 .142 .142 .143 .143 .143 .143 .144 .147 .147 .14800 41 27 .140 .140 .142 .146 .147 .147 .147 .147 .147 .149 .149 .151 .154 .156 .156 .15600 42 28 .144 .144 .148 .151 .151 .151 .151 .151 .151 .154 .157 .160 .162 .164 .164 .16400 43 29 .149 .151 .154 .154 .154 .154 .154 .155 .157 .163 .167 .170 .173 .173 .173 .17300 44 30 .157 .158 .158 .158 .158 .158 .159 .162 .168 .174 .177 .182 .183 .183 .183 .18300 45 31 .165 .165 .165 .165 .165 .165 .167 .173 .179 .184 .189 .191 .191 .191 .191 .19100 46 32 .170 .170 .170 .170 .171 .173 .179 .185 .190 .198 .201 .202 .205 .205 .205 .20500 47 33 .175 .175 .175 .177 .180 .186 .193 .198 .205 .210 .211 .215 .215 .215 .215 .21500 48 34 . 184 .184 .185 .188 .194 .201 .206 .214 .219 .221 .226 .227 .227 .227 .227 .22700 49 35 .192 .195 .197 .204 .211 .216 .224 .229 .232 .237 .240 .240 .240 .240 .240 .24000 50 36 .199 .202 .209 .217 .223 .232 .239 .243 .250 .255 .257 .260 .262 .262 .262 .26200 51 37 .205 .213 .222 .229 .239 .247 .253 .262 .268 .273 .278 .283 .288 .292 .294 .29400 52 38 .216 .226 .234 .245 .254 .261 .272 .280 .287 .294 .302 .310 .318 .326 .330 .33000 53 39 .229 .238 .250 .260 .268 .281 .290 .299 .308 .319 .330 .341 .354 .363 .369 .37100 54 40 .241 .254 .265 .274 .288 .299 .309 .320 .333 .347 .362 .379 .392 .404 .412 .42000 55 41 .257 .269 .279 .293 .306 .317 .330 .346 .362 .380 .401 .419 .435 .450 .465 .47800 56 42 .2_1 .282 .298 .311 .224 .339 .356 .375 .395 .420 .441 .462 .483 .504 .526 .54200 57 43 .284 .301 .315 .330 .345 .364 .386 .408 .436 .461 .486 .511 .539 .569 .593 .61200 58 44 .302 .318 .333 .350 .371 .394 .418 .449 .477 .506 .536 .570 .606 .638 .666 .68700 59 45 .319 .335 .353 .375 .399 .426 .459' .490 .523 .557 .595 .637 .678 .714 .744 .76700 60 46 .330 .350 .373 .399 .427 .462 .496 .531 .569 .612 .660 .707 .752 .791 .825 .85400 61 47 .343 .367 .394 .424 .461 .497 .535 .576 .622 .675 .728 .780 .829 .872 .913 .95300 62 48 .358 .386 .417 .45_ .494 .534 .577 .627 .684 .741 .800 .856 .908 .959 1.011 1.06700 63 49 .374 .405 .445 .485 .528 .573 .626 .686 .748 .810 .872 .933 .992 1.056 1.125 1.19800 64 50 .390 .430 .470 .515 .564 .618 .681 .746 .813 .879 .946 1.013 1.086 1.167 1.254 1.34200 65 51 .410 .451 .495 .545 .604 .668 .736 .806 .877 .948 1.022 1.103 1.193 1.292 1.395 1.53000 66 52 .426 .470 .520 .579 .648 .717 .790 .864 .939 1.018 1.105 1.204 1.313 1.428 1.579 1.73500 67 53 .440 .489 .547 .616 .691 .764 .841 .919 1.002 1.094 1.199 1.316 1.441 1.605 1.778 1.95900 68 54 .451 .508 .576 .649 .730 .807 .887 .973 1.069 1.178 1.302 1.435 1.610 1.795 1.993 2.19300 69 55 .462 .527 .599 .678 .763 .844 .931 1.029 1.142 1.270 1.409 1.591 1.787 1.998 2.214 2.44600 70 56 .507 .577 .654 .738 .827 .914 1.014 1.127 1.257 1.398 1.584 1.784 2.000 2.223 2.463 2.66200 71 57 .553 .628 .710 .797 .893 .993 1.107 1.237 1.380 1.567 1.770 1.990 2.218 2.466 2.673 2.90700 72 58 .600 .679 .765 .859 .966 1.080 1.211 1.354 1.542 1.745 1.969 2.201 2.453 2.667 2.910 3.16600 73 59 .646 .729 .821 .926 1.048 1.178 1.321 1.508 1.712 1.936 2.170 2.426 2.646 2.895 3.160 3.45300 74 60 .690 .779 .882 1.000 1.138 1.280 1.466 1.669 1.892 2.126 2.385 2.609 2.863 3.134 3.436 3.77100 75 61 .734 .833 .948 1.081 1.229 1.413 1.614 1.837 2.071 2.329 2.556 2.814 3.090 3.398 3.741 4.19100 76 62 .781 .891 1.020 1.163 1.349 1.548 1.769 2.002 2.259 2.486 2.747 3.027 3.339 3.688 4.145 4.65700 77 63 .832 .955 1.092 1.271 1.471 1.688 1.918 2.174 2.402 2.663 2.944 3.260 3.613 4.074 4.592 5.17400 78 64 .887 1.018 1.189 1.380 1.595 1.821 2.073 2.301 2.562 2.843 3.160 3.515 3.977 4.499 5.086 5.73600 79 65 .939 1.102 1.284 1.489 1.710 1.957 2.183 2.442 2.723 3.039 3.394 3.856 4.378 4.967 5.621 6.32700 80 66 1.071 1.249 1.450 1.666 1.908 2.130 2.384 2.659 2.970 3.318 3.772 4.284 4.864 5.507 6.200 6.94000 81 67 1.215 1.410 1.622 1.859 2.076 2.326 2.596 2.901 3.243 3.688 4.191 4.760 5.392 6.074 6.801 7.61300 82 68 1.371 1.578 1.810 2.023 2.267 2.533 2.831 3.168 3.604 4.098 4.657 5.277 5.947 6.662 7.461 8.34000 83 69 1.534 1.761 1.970 2.209 2.4_9 2.762 3.092 3.520 4.005 4.553 5.162 5.821 6.524 7.308 8.173 9.17200 84 70 1.712 1.917 2.151 2.406 2.693 3.017 3.437 3.912 4.450 5.048 5.694 6.385 7.156 8.006 8.989 10.09700 85 71 1.863 2.093 2.343 2.624 2.941 3.353 3.819 4.346 4.933 5.568 6.246 7.004 7.840 8.805 9.895 10.96500 86 72 2.035 2.280 2.555 2.866 3.2_9 3.726 4.243 4.818 5.441 6.107 6.852 7.673 8.622 9.693 10.746 11.91100 87 73 2.216 2.486 2.791 3.185 3.632 4.139 4.704 5.315 5.968 6.699 7.506 8.438 9.491 10.526 11.673 12.91800 88 74 2.417 2.715 3.101 3.539 4.036 4.589 5.188 5.830 6.547 7.339 8.255 9.289 10.307 11.435 12.660 13.78700 89 75 2.640 3.018 3.446 3.932 4.474 5.062 5.691 6.395 7.172 8.071 9.087 10.088 11.196 12.401 13.511 14.45000 90 14.97400 91 15.50300 92 16.37900 93 17.71400 94
Table #__ page 4 of __ Base Policy Female Preferred Non-Smoker
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 21 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .12200 36 22 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .12200 37 23 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .12200 38 24 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .12200 39 25 .122 .122 .122 .123 .123 .123 .123 .123 .123 .123 .123 .123 .123 .123 .127 .12900 40 26 .124 .124 .124 .124 .124 .124 .124 .124 .124 .124 .124 .124 .127 .130 .133 .13600 41 27 .126 .128 .128 .128 .128 .128 .128 .128 .128 .128 .128 .131 .134 .137 .140 .14300 42 28 .132 .132 .132 .132 .132 .132 .132 .132 .132 .132 .135 .139 .142 .145 .147 .15000 43 29 .137 .137 .138 .138 .138 .138 .138 .138 .138 .140 .144 .147 .151 .153 .155 .15800 44 30 .142 .142 .142 .142 .143 .143 .143 .143 .146 .150 .153 .157 .159 .162 .164 .16700 45 31 .146 .146 .146 .146 .146 .146 .149 .152 .156 .159 .164 .166 .169 .172 .174 .17500 46 32 .152 .152 .152 .152 .152 .155 .158 .163 .167 .171 .174 .177 .180 .183 .184 .18400 47 33 .158 .158 .158 .158 .161 .165 .170 .174 .179 .182 .185 .189 .192 .194 .194 .19500 48 34 .165 .165 .165 .169 .172 .178 .182 .187 .191 .195 .199 .202 .205 .205 .206 .20700 49 35 .175 .175 .178 .181 .186 .190 .196 .200 .204 .209 .213 .217 .217 .219 .220 .22000 50 36 .178 .183 .187 .19_ .196 .203 .207 .212 .218 .223 .227 .229 .232 .234 .235 .23500 51 37 .188 .192 .199 .203 .209 .214 .220 .226 .233 .238 .241 .245 .249 .249 .249 .24900 52 38 .197 .204 .209 .216 .221 .227 .235 .242 .249 .253 .258 .263 .265 .265 .265 .26500 53 39 .209 .215 .222 .228 .234 .242 .251 .259 .264 .272 .278 .278 .278 .278 .278 .27800 54 40 .220 .228 .234 .242 .2__ .259 .268 .274 .284 .293 .293 .293 .293 .293 .293 .29300 55 41 .233 .240 .248 .258 .267 .277 .284 .295 .306 .317 .317 .317 .318 .318 .318 .31800 56 42 ._45 .254 .264 .275 .286 .294 .306 .319 .331 .339 .339 .339 .341 .341 .341 .34100 57 43 .259 .270 .282 .294 .303 .316 .330 .344 .354 .359 .362 .366 .370 .370 .370 .37000 58 44 .274 .287 .300 .311 .326 .342 .357 .369 .375 .379 .386 .394 .402 .404 .404 .40400 59 45 .291 .306 .317 .334 .353 .370 .382 .391 .396 .402 .414 .426 .436 .440 .440 .44000 60 46 .307 .320 .338 .358 .379 .394 .405 .414 .423 .434 .450 .464 .474 .476 .476 .48800 61 47 .321 .341 .362 .384 .403 .417 .428 .440 .455 .470 .489 .503 .512 .515 .536 .55200 62 48 .341 .363 .387 .408 .425 .438 .454 .472 .491 .509 .527 .542 .550 .578 .603 .62800 63 49 .362 .387 .409 .428 .446 .464 .485 .508 .530 .547 .566 .579 .614 .647 .682 .71400 64 50 .385 .408 .428 .448 .469 .493 .520 .546 .568 .586 .603 .644 .684 .728 .771 .81000 65 51 .404 .425 .446 .469 .497 .526 .556 .582 .605 .622 .669 .715 .767 .820 .870 .88800 66 52 .420 .441 .466 .495 .528 .560 .590 .617 .639 .687 .740 .799 .860 .920 .948 .97000 67 53 .434 .459 .490 .524 .560 .592 .623 .649 .702 .757 .823 .891 .961 .998 1.030 1.05500 68 54 .449 .480 .516 .553 .588 .622 .651 .709 .770 .839 .914 .991 1.037 1.079 1.114 1.14000 69 55 .467 .503 .541 .578 .614 .647 .708 .773 .848 .928 1.013 1.066 1.116 1.161 1.197 1.22900 70 56 .495 .534 .571 .609 .643 .706 .774 .853 .937 1.027 1.086 1.143 1.196 1.242 1.284 1.38100 71 57 .523 .561 .600 .635 .700 .770 .851 .939 1.033 1.098 1.161 1.221 1.275 1.326 1.435 1.55600 72 58 .547 .586 .623 .689 .760 .843 .933 1.031 1.100 1.168 1.234 1.295 1.354 1.475 1.609 1.74700 73 59 .569 .607 .672 .744 .828 .920 1.020 1.093 1.165 1.236 1.303 1.370 1.500 1.645 1.797 1.96200 74 60 .586 .651 .723 .807 .900 1.001 1.076 1.152 1.228 1.300 1.372 1.510 1.665 1.829 2.008 2.20500 75 61 .625 .696 .779 .871 .972 1.049 1.128 1.208 1.284 1.362 1.505 1.668 1.841 2.033 2.245 2.41000 76 62 .662 .744 .835 .936 1.012 1.093 1.176 1.256 1.338 1.486 1.655 1.836 2.037 2.261 2.441 2.63400 77 63 .703 .793 .891 .968 1.048 1.132 1.215 1.301 1.452 1.624 1.811 2.020 2.254 2.445 2.653 2.88000 78 64 .743 .838 .915 .994 1.076 1.161 1.250 1.402 1.577 1.768 1.982 2.223 2.424 2.645 2.886 3.14200 79 65 .778 .852 .931 1.013 1.094 1.185 1.337 1.512 1.705 1.923 2.168 2.378 2.608 2.861 3.132 3.41300 80 66 .852 .931 1.013 1.094 1.180 1.331 1.506 1.698 1.915 2.161 2.370 2.599 2.851 3.121 3.402 3.89600 81 67 .931 1.013 1.094 1.180 1.326 1.500 1.691 1.907 2.152 2.362 2.590 2.842 3.111 3.390 3.883 4.43700 82 68 1.013 1.094 1.180 1.32_ 1.494 1.684 1.899 2.143 2.352 2.581 2.832 3.100 3.379 3.870 4.422 5.03300 83 69 1.094 1.180 1.326 1.494 1.677 1.891 2.134 2.343 2.571 2.822 3.090 3.368 3.857 4.407 5.016 5.72100 84 70 1.180 1.326 1.494 1.677 1.884 2.126 2.333 2.560 2.811 3.079 3.356 3.844 4.393 4.999 5.702 6.49500 85 71 1.326 1.494 1.677 1.884 2.117 2.323 2.550 2.799 3.067 3.345 3.831 4.378 4.983 5.683 6.473 7.36600 86 72 1.494 1.677 1.884 2.117 2.314 2.539 2.788 3.054 3.331 3.818 4.363 4.966 5.664 6.452 7.341 8.34100 87 73 1.677 1.884 2.117 2.314 2.529 2.776 3.041 3.317 3.803 4.348 4.949 5.645 6.430 7.317 8.313 9.41500 88 74 1.884 2.117 2.314 2.529 2.7_5 3.029 3.304 3.787 4.331 4.932 5.626 6.408 7.292 8.285 9.384 10.44100 89 75 2.117 2.314 2.529 2.765 3.016 3.290 3.771 4.313 4.912 5.607 6.387 7.268 8.258 9.352 10.406 11.35700 90 11.76800 91 12.18400 92 12.87200 93 13.92000 94
LIFE INSURANCE COMPANY OF VIRGINIA PENSION UNIVERSAL LIFE INITIAL SPECIFIED AMOUNT $5,000-$49,999 Monthly Cost of Insurance Per $1000 NONSMOKER SPECIAL ---------------------------- ---------------------------- 21 .15265 61 1.33089 21 .21371 61 2.05056 22 .15516 62 1.44280 22 .21722 62 2.19158 23 .15766 63 1.57275 23 .22072 63 2.35244 24 .15933 64 1.71607 24 .22306 64 2.52941 25 .16000 65 1.87089 25 .22540 65 2.71344 26 .16000 66 2.07779 26 .22891 66 2.93920 27 .16000 67 2.29727 27 .23000 67 3.16806 28 .16107 68 2.53288 28 .23000 68 3.40161 29 .16682 69 2.77266 29 .23000 69 3.62173 30 .17450 70 3.02879 30 .23532 70 3.84730 31 .17601 71 3.32144 31 .24437 71 4.16036 32 .17769 72 3.65539 32 .24826 72 4.51403 33 .17813 73 4.01449 33 .25473 73 4.88561 34 .18201 74 4.41496 34 .26508 74 5.29397 35 .18911 75 4.86278 35 .27804 75 5.74547 36 .19274 76 5.36500 36 .28718 76 6.24257 37 .20014 77 5.91998 37 .29951 77 6.78208 38 .21061 78 6.53699 38 .31443 78 7.37333 39 .22058 79 7.20560 39 .33351 79 7.99654 40 .23258 80 7.90772 40 .35273 80 8.63216 41 .25738 81 8.63210 41 .39350 81 9.36712 42 .28357 82 9.43013 42 .43701 82 10.16710 43 .31388 83 10.29449 43 .48653 83 11.02169 44 .34698 84 11.29480 44 .54220 84 12.00163 45 .38283 85 12.41568 45 .60990 85 13.08494 46 .41514 86 13.62742 46 .66226 86 14.38130 47 .45134 87 14.97244 47 .72801 87 15.81588 48 .49241 88 16.43677 48 .80446 88 17.37420 49 .54185 89 17.73716 49 .89033 89 18.75196 50 .59529 90 18.76502 50 .97507 90 19.83342 51 .63741 91 19.60463 51 1.05804 91 20.50105 52 .67528 92 20.46634 52 1.11289 92 21.17112 53 .71458 93 21.87566 53 1.16853 93 22.38184 54 .75686 94 24.04610 54 1.22727 94 24.32807 55 .80755 55 1.29670 56 .88561 56 1.41557 57 .97002 57 1.54201 58 1.05602 58 1.66914 59 1.14313 59 1.79687 60 1.22896 60 1.92105 4/18/84 LIFE INSURANCE COMPANY OF VIRGINIA PENSION UNIVERSAL LIFE INITIAL SPECIFIED AMOUNT $50,000-$99,999 Monthly Cost of Insurance Per $1000 NONSMOKER SPECIAL ---------------------------- ---------------------------- 21 .15000 61 1.14605 21 .20000 61 1.72335 22 .15000 62 1.23863 22 .20000 62 1.83810 23 .15000 63 1.34591 23 .20000 63 1.96889 24 .15000 64 1.46371 24 .20000 64 2.11247 25 .15000 65 1.59026 25 .20000 65 2.26120 26 .15000 66 1.74534 26 .20000 66 2.44934 27 .15000 67 1.90673 27 .20000 67 2.64005 28 .15000 68 2.07696 28 .20000 68 2.83468 29 .15000 69 2.24585 29 .20000 69 3.01811 30 .15000 70 2.42303 30 .20496 70 3.20609 31 .15050 71 2.65715 31 .21599 71 3.46697 32 .15208 72 2.92431 32 .22264 72 3.76169 33 .15525 73 3.21159 33 .23172 73 4.07134 34 .16159 74 3.53197 34 .24456 74 4.41164 35 .17110 75 3.89022 35 .26010 75 4.78790 36 .17356 76 4.29200 36 .26598 76 5.20214 37 .17929 77 4.73598 37 .27438 77 5.65174 38 .18760 78 5.22959 38 .28459 78 6.14444 39 .19523 79 5.76448 39 .29787 79 6.66379 40 .20439 80 6.32618 40 .31040 80 7.19347 41 .22931 81 6.90568 41 .35602 81 7.72015 42 .25607 82 7.54410 42 .40604 82 8.28840 43 .28725 83 8.23559 43 .46372 83 8.88846 44 .32174 84 9.03584 44 .52959 84 9.57577 45 .36195 85 9.93254 45 .60524 85 10.33022 46 .38952 86 10.90194 46 .64686 86 11.38520 47 .42295 87 11.97795 47 .69389 87 12.55487 48 .46085 88 13.14942 48 .74745 88 13.82845 49 .50643 89 14.18973 49 .80932 89 14.96368 50 .55560 90 15.01202 50 .87442 90 15.86674 51 .59345 91 15.68370 51 .94342 91 16.40084 52 .62704 92 16.37307 52 1.00644 92 16.93690 53 .66165 93 17.50053 53 1.07292 93 17.90547 54 .69864 94 19.23688 54 1.14545 94 19.46246 55 .74295 55 1.23187 56 .80576 56 1.31548 57 .87220 57 1.40040 58 .93767 58 1.47985 59 1.00150 59 1.55354 60 1.06138 60 1.61773 LIFE INSURANCE COMPANY OF VIRGINIA PENSION UNIVERSAL LIFE INITIAL SPECIFIED AMOUNT $100,000+ Monthly Cost of Insurance Per $1000 NONSMOKER SPECIAL ---------------------------- ---------------------------- 21 .12100 61 .96120 21 .17000 61 1.41794 22 .12100 62 1.03446 22 .17000 62 1.53175 23 .12100 63 1.11907 23 .17000 63 1.66205 24 .12100 64 1.21134 24 .17000 64 1.80672 25 .12100 65 1.30962 25 .17000 65 1.95970 26 .12100 66 1.45445 26 .17000 66 2.09010 27 .12100 67 1.60809 27 .17000 67 2.21764 28 .12100 68 1.77302 28 .17096 68 2.34333 29 .12403 69 1.94086 29 .17562 69 2.45473 30 .12898 70 2.12015 30 .18218 70 2.56487 31 .13466 71 2.32501 31 .19235 71 2.77357 32 .13607 72 2.55877 32 .19861 72 3.00935 33 .13891 73 2.81014 33 .20707 73 3.25707 34 .14458 74 3.09047 34 .21891 74 3.52931 35 .15309 75 3.40395 35 .23319 75 3.83032 36 .15630 76 3.75550 36 .24093 76 4.16171 37 .16261 77 4.14399 37 .25134 77 4.52139 38 .17148 78 4.57589 38 .26394 78 4.91555 39 .18001 79 5.04392 39 .28005 79 5.33103 40 .19030 80 5.53540 40 .29629 80 5.75477 41 .21683 81 6.04247 41 .34041 81 6.27906 42 .24576 82 6.60109 42 .38883 82 6.85174 43 .27964 83 7.20614 43 .44472 83 7.46631 44 .31754 84 7.90636 44 .50858 84 8.17132 45 .35963 85 8.69098 45 .58196 85 8.95285 46 .38183 86 9.53919 46 .61606 86 9.88714 47 .40592 87 10.48071 47 .65407 87 10.92437 48 .43244 88 11.50574 48 .69677 88 12.05557 49 .46394 89 12.41601 49 .74543 89 13.06955 50 .49608 90 13.13551 50 .79493 90 13.88339 51 .53630 91 13.72324 51 .85525 91 14.35074 52 .57398 92 14.32644 52 .90967 92 14.81978 53 .61401 93 15.31296 53 .96669 93 15.66729 54 .65789 94 16.83227 54 1.02857 94 17.02965 55 .71064 55 1.10220 56 .75495 56 1.15819 57 .79884 57 1.21158 58 .83753 58 1.25615 59 .86999 59 1.29150 60 .89379 60 1.31440 North American Reassurance Company 10 YEAR SELECT NON-REFUND REINSURANCE RATES DIFFERENTIATED BY SMOKING HABIT AGE NEAREST BIRTHDAY TEN YEAR SELECT NON REFUND YRT REINSURANCE PROGRAM USE OF THE RATE SCHEDULE SMOKER/NON-SMOKER DIFFERENTIATION This schedule contains YRT rates which are differentiated by smoking habit for issue ages 20-69. These rates are to be used only where the Ceding Company's gross premiums are differentiated by smoking habit. For reinsurance generated from plans of insurance where the Ceding Company does not differentiate its premiums by smoking habit, North American Re's undifferentiated YRT reinsurance premium schedule should be used. FEMALE RATES Ages 0 to 10 Use Rates for Males Same Age Ages 11 to 14 Use Rates for Males Age 10 Ages 15 to 19 Use Rates for Males 4 Years Younger Ages 24 & Older Ages 20 to 23 Use Rates for Males Age 20 SUBSTANDARD RISKS Multiple table substandard premiums are equal to the sum of the standard premium (smoker, non-smoker, or undifferentiated) and the appropriate multiple of the additional premiums for 25% excess mortality shown in the Substandard table. For example: if a risk is rated Class D, 200%, the premium per thousand for each age and duration is the standard premium plus four times the additional substandard premium. Reinsurance premiums for risks which have been rated on a multiple table basis shall revert to the standard premium on the later of the twentieth policy anniversary and attained age 65. POLICY FEE There is no policy fee for business ceded on a bordereau basis. The policy fee for business ceded on an individual cession basis is $10.00 all years. RECAPTURE Reinsurance ceded under this program will not be eligible for recapture before the end of the tenth policy anniversary. NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE NEAREST BIRTHDAY
POLICY YEAR ISSUE -------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- -------- 0 5.91 1.59 1.12 0.94 0.82 0.77 0.71 0.69 0.65 0.62 0.81 10 1 1.59 1.12 0.94 0.82 0.77 0.71 0.69 0.65 0.62 0.61 0.81 11 2 1.12 0.94 0.82 0.77 0.71 0.69 0.65 0.62 0.61 0.61 0.83 12 3 0.93 0.82 0.77 0.71 0.69 0.65 0.62 0.61 0.61 0.63 0.91 13 4 0.82 0.77 0.71 0.69 0.65 0.62 0.61 0.61 0.63 0.71 1.01 14 5 0.77 0.71 0.69 0.65 0.62 0.61 0.61 0.63 0.71 0.81 1.16 15 6 0.71 0.69 0.65 0.62 0.61 0.61 0.63 0.71 0.81 0.96 1.29 16 7 0.68 0.65 0.62 0.61 0.61 0.63 0.71 0.81 0.96 1.09 1.43 17 8 0.64 0.62 0.61 0.61 0.63 0.71 0.81 0.96 1.09 1.23 1.33 18 9 0.61 0.61 0.61 0.63 0.71 0.81 0.96 1.09 1.23 1.13 1.36 19 10 0.60 0.61 0.63 0.71 0.81 0.96 1.09 1.23 1.13 1.16 1.40 20 11 0.60 0.63 0.71 0.81 0.96 1.09 1.23 1.13 1.16 1.20 1.43 21 12 0.62 0.71 0.81 0.96 1.09 1.23 1.13 1.16 1.20 1.23 1.42 22 13 0.71 0.81 0.96 1.09 1.23 1.13 1.16 1.20 1.23 1.22 1.41 23 14 0.81 0.96 1.09 1.23 1.13 1.16 1.20 1.23 1.22 1.21 1.41 24 15 0.95 1.09 1.23 1.13 1.16 1.20 1.23 1.22 1.21 1.21 1.40 25 16 1.09 1.23 1.13 1.16 1.20 1.23 1.22 1.21 1.21 1.20 1.39 26 17 1.07 1.13 1.16 1.20 1.23 1.22 1.21 1.21 1.20 1.19 1.37 27 18 1.04 1.10 1.13 1.17 1.19 1.18 1.18 1.18 1.17 1.17 1.36 28 19 1.00 1.06 1.10 1.13 1.15 1.14 1.14 1.14 1.15 1.16 1.34 29
NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE NEAREST BIRTHDAY
POLICY YEAR ISSUE -------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- -------- 20 0.63 0.66 0.68 0.70 0.71 0.72 0.72 0.73 0.75 0.76 0.96 30 21 0.61 0.63 0.66 0.68 0.69 0.69 0.70 0.71 0.73 0.75 0.94 31 22 0.58 0.61 0.64 0.66 0.66 0.66 0.67 0.69 0.71 0.74 0.97 32 23 0.58 0.60 0.64 0.66 0.66 0.66 0.68 0.70 0.73 0.76 0.99 33 24 0.57 0.59 0.63 0.65 0.66 0.67 0.68 0.71 0.75 0.79 1.02 34 25 0.56 0.59 0.63 0.65 0.66 0.67 0.69 0.73 0.77 0.82 1.05 35 26 0.55 0.58 0.63 0.64 0.65 0.67 0.70 0.74 0.79 0.85 1.09 36 27 0.54 0.57 0.62 0.63 0.65 0.67 0.71 0.76 0.82 0.88 1.19 37 28 0.55 0.58 0.64 0.66 0.68 0.71 0.76 0.81 0.89 0.96 1.29 38 29 0.56 0.60 0.65 0.68 0.71 0.76 0.80 0.88 0.96 1.05 1.41 39 30 0.58 0.62 0.67 0.71 0.75 0.80 0.86 0.94 1.04 1.15 1.53 40 31 0.59 0.64 0.70 0.75 0.79 0.85 0.91 1.01 1.13 1.25 1.67 41 32 0.61 0.67 0.72 0.78 0.83 0.91 0.98 1.09 1.22 1.36 1.82 42 33 0.62 0.69 0.76 0.83 0.89 0.98 1.07 1.19 1.34 1.50 1.97 43 34 0.63 0.71 0.79 0.88 0.96 1.06 1.16 1.30 1.47 1.65 2.15 44 35 0.64 0.73 0.84 0.94 1.03 1.14 1.27 1.42 1.60 1.81 2.34 45 36 0.65 0.76 0.88 1.00 1.11 1.24 1.39 1.55 l.75 1.99 2.54 46 37 0.67 0.79 0.93 1.06 1.19 1.34 1.51 1.70 1.92 2.18 2.82 47 38 0.72 0.86 1.02 1.17 1.31 1.49 1.68 1.89 2.14 2.42 3.13 48 39 0.77 0.94 1.12 1.29 1.44 1.65 1.87 2.10 2.37 2.68 3.47 49 40 0.82 1.02 1.22 1.42 1.58 1.83 2.07 2.33 2.63 2.97 3.83 50 41 0.88 1.12 1.34 1.56 1.74 2.03 2.29 2.58 2.91 3.28 4.23 51 42 0.95 1.22 1.46 1.72 1.90 2.24 2.53 2.85 3.22 3.62 4.60 52 43 1.00 1.30 1.59 1.87 2.09 2.44 2.77 3.13 3.52 3.95 5.03 53 44 1.07 1.39 1.72 2.03 2.29 2.67 3.04 3.43 3.84 4.31 5.55 54
NON-SMOKER RATES NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE NEAREST BIRTHDAY
POLICY YEAR ISSUE ------------------------------------------------------------------------------------ ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- 45 1.14 1.49 1.86 2.21 2.50 2.91 3.34 3.76 4.19 4.71 6.12 55 46 1.21 1.60 2.02 2.40 2.74 3.17 3.66 4.12 4.57 5.14 6.74 56 47 1.30 1.72 2.19 2.61 3.00 3.46 4,01 4.51 4.99 5.61 7.44 57 48 1.36 1.85 2.37 2.82 3.23 3.78 4.41 4.96 5.49 6.18 8.20 58 49 1.44 1.99 2.56 3.05 3.47 4.13 4.84 5.45 6.03 6.80 9.04 59 50 1.52 2.15 2.78 3.30 3.75 4.51 5.32 5.98 6.62 7.48 9.94 60 51 1.60 2.31 3.01 3.57 4.04 4.92 5.84 6.57 7.27 8.22 10.93 61 52 1.70 2.50 3.26 3.87 4.36 5.36 6.41 7.20 7.97 9.03 12.10 62 53 1.81 2.67 3.54 4.24 4.77 5.81 6.94 7.81 8.67 9.89 13.36 63 54 1.94 2.86 3.84 4.64 5.22 6.29 7.52 8.47 9.43 10.81 14.74 64 55 2.07 3.06 4.18 5.07 5.71 6.82 8.16 9.19 10.26 11.83 16.25 65 56 2.22 3.28 4.54 5.55 6.24 7.39 8.85 9.97 11.17 12.93 17.89 66 57 2.39 3.52 4.94 6.06 6.82 8.02 9.61 10.83 12.15 14.14 19.81 67 58 2.68 3.93 5.52 6.86 7.69 8.86 10.44 11.81 13.36 15.59 21.91 68 59 2.99 4.38 6.16 7.73 8.63 9.78 11.35 12.88 14.68 17.17 24.20 69 60 3.34 4.87 6.86 8.68 9.67 10.78 12.34 14.05 16.13 18.90 26.69 70 61 3.72 5.41 7.61 9.71 10.80 11.87 13.42 15.32 17.69 20.78 29.40 71 62 4.13 5.99 8.44 10.84 12.03 13.06 14.60 16.70 19.41 22.84 32.08 72 63 4.71 6.80 9.39 11.88 13.38 14.61 16.33 18.53 21.58 25.59 35.00 73 64 5.35 7.69 10.43 13.01 14.85 16.29 18.22 20.52 23.95 28.59 38.20 74 65 6.05 8.65 11.57 14.25 16.46 18.14 20.29 22.69 26.55 31.88 41.66 75 66 6.80 9.71 12.80 15.60 18.21 20.14 22.53 25.05 29.36 35.44 45.45 76 67 7.63 10.85 14.l5 17.07 20.12 22.32 24.98 27.62 32.44 39.34 49.58 77 68 8.92 12.64 16.40 19.79 23.22 25.67 28.56 31.48 36.58 44.04 54.08 78 69 10.33 14.59 18.85 22.77 26.60 29.31 32.45 35.67 41.08 49.16 59.77 79
NON-SMOKER RATES NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE NEAREST BIRTHDAY
POLICY YEAR ISSUE -------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- -------- 20 1.46 1.54 1.61 1.65 1.66 1.63 1.62 1.63 1.64 1.66 1.84 30 21 1.39 1.46 1.54 1.58 1.57 1.55 1.54 1.56 1.59 1.63 1.96 31 22 1.31 1.37 1.47 1.50 1.48 1.45 1.46 1.49 1.54 1.60 2.02 32 23 1.28 1.35 1.45 1.48 1.47 1.46 1.48 1.52 1.59 1.66 2.08 33 24 1.25 1.32 1.43 1.46 1.46 1.46 1.49 1.55 1.64 1.73 2.15 34 25 1.21 1.29 1.42 1.44 1.45 1.46 1.51 1.59 1.69 1.80 2.22 35 26 1.17 1.25 1.40 1.42 1.44 1.47 1.54 1.63 1.75 1.88 2.30 36 27 1.13 1.21 1.38 1.40 1.43 1.47 1.56 1.67 1.82 1.97 2.47 37 28 1.18 1.27 1.43 1.47 1.52 1.58 1.68 1.82 1.99 2.16 2.67 38 29 1.23 1.33 1.49 1.55 1.61 1.70 1.81 1.98 2.18 2.38 2.88 39 30 1.28 1.40 1.55 1.64 1.72 1.83 1.96 2.15 2.38 2.61 3.14 40 31 1.33 1.47 1.62 1.74 1.83 1.97 2.11 2.35 2.60 2.86 3.44 41 32 1.40 1.56 1.70 1.85 1.96 2.13 2.28 2.55 2.84 3.14 3.71 42 33 1.42 1.61 1.79 1.97 2.10 2.30 2.48 2.77 3.07 3.40 4.01 43 34 1.44 1.66 1.89 2.09 2.26 2.48 2.70 3.00 3.33 3.68 4.35 44 35 1.47 1.72 2.00 2.23 2.44 2.68 2.94 3.25 3.60 4.00 4.74 45 36 1.49 1.78 2.11 2.39 2.63 2.90 3.20 3.52 3.90 4.34 5.16 46 37 1.52 1.85 2.24 2.55 2.84 3.14 3.48 3.82 4.23 4.71 5.58 47 38 1.62 2.00 2.42 2.76 3.05 3.41 3.77 4.14 4.57 5.06 6.04 48 39 1.72 2.17 2.61 2.99 3.29 3.70 4.09 4.49 4.95 5.45 6.54 49 40 1.84 2.35 2.82 3.25 3.55 4.03 4.44 4.88 5.36 5.88 7.08 50 41 1.96 2.54 3.05 3.52 3.82 4.38 4.82 5.29 5.80 6.34 7.67 51 42 2.10 2.75 3.30 3.82 4.13 4.76 5.23 5.74 6.29 6.85 8.27 52 43 2.20 2.89 3.51 4.06 4.43 5.07 5.60 6.14 6.69 7.28 8.91 53 44 2.31 3.05 3.73 4.33 4.75 5.41 6.00 6.57 7.12 7.75 9.62 54
SMOKER RATES NORTH AMERICA REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE NEAREST BIRTHDAY
POLICY YEAR ISSUE ------------------------------------------------------------------------------------ ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- 45 2.43 3.21 3.98 4.62 5.10 5.78 6.44 7.03 7.60 8.26 10.39 55 46 2.56 3.39 4.25 4.93 5.49 6.18 6.91 7.54 8.11 8.81 11.22 56 47 2.71 3.59 4.54 5.28 5.91 6.63 7.44 8.10 8.67 9.42 12.12 57 48 2.83 3.84 4.86 5.64 6.28 7.14 8.07 8.79 9.40 10.22 13.10 58 49 2.96 4.10 5.21 6.04 6.69 7.71 8.76 9.53 10.19 11.10 14.17 59 50 3.11 4.39 5.59 6.48 7.13 8.32 9.52 10.35 11.06 12.07 15.34 60 51 3.26 4.71 6.01 6.95 7.61 8.99 10.34 11.23 12.00 13.11 16.61 61 52 3.44 5.06 6.46 7.47 8.14 9.72 11.24 12.20 13.03 14.25 17.61 62 53 3.60 5.28 6.82 7.92 8.61 10.17 11.73 12.72 13.61 14.93 18.71 63 54 3.78 5.51 7.22 8.42 9.13 10.65 12.28 13.29 14.23 15.68 19.91 64 55 3.97 5.77 7.65 8.96 9.70 11.18 12.87 13.92 14.92 16.49 21.21 65 56 4.18 6.06 8.12 9.55 10.31 11.76 13.52 14.60 15.66 17.37 22.63 66 57 4.42 6.37 8.63 10.19 10.98 12.39 14.22 15.34 16.47 18.34 24.26 67 58 4.68 6.72 9.13 10.91 11.75 13.06 14.82 16.08 17.44 19.53 26.03 68 59 4.97 7.10 9.68 11.69 12.59 13.80 15.48 16.89 18.51 20.83 27.98 69 60 5.28 7,52 10.28 12.55 13.51 14.60 16.19 17.77 19.67 22.25 30.08 70 61 5.62 7.98 10.93 13.48 14.51 15.48 16.97 18.74 20.93 23.80 32.39 71 62 5.99 8.43 11.63 14.50 15.60 16.43 17.82 19.79 22.31 25.48 34.57 72 63 6.57 9.27 12.50 15.39 16.82 17.84 19.40 21.41 24.26 27.97 36.95 73 64 7.21 10.13 13.45 16.37 18.15 19.38 21.11 23.18 26.38 30.68 39.54 74 65 7.90 11.06 14.48 17.44 19.61 21.06 22.99 25.12 28.70 33.64 42.36 75 66 8.65 12.08 15.60 18.59 21.18 22.89 25.03 27.22 31.21 36.85 45.45 76 67 9.47 13.19 16.83 19.86 22.91 24.88 27.26 29.52 33.96 40.36 49.67 77 68 10.45 14.59 18.63 22.12 25.54 27.80 30.45 33.05 37.35 44.89 54.71 78 69 11.53 16.11 20.59 24.59 28.42 30.97 33.93 36.91 42.07 49.83 60.23 79
SMOKER RATES NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM REINSURANCE FOR EACH 25% OF EXCESS MORTALITY MALE SUBSTANDARD RISK AGE NEAREST BIRTHDAY
POLICY YEAR ISSUE -------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- -------- 0 1.40 0.32 0.20 0.16 0.13 0.12 0.10 0.09 0.08 0.08 0.07 10 1 0.32 0.20 0.16 0.13 0.12 0.10 0.09 0.08 0.08 0.07 0.07 11 2 0.20 0.16 0.13 0.12 0.10 0.09 0.08 0.08 0.07 0.07 0.08 12 3 0.16 0.13 0.12 0.10 0.09 0.08 0.08 0.07 0.07 0.08 0.10 13 4 0.13 0.12 0.10 0.09 0.08 0.08 0.07 0.07 0.08 0.10 0.13 14 5 0.12 0.10 0.09 0.08 0.08 0.07 0.07 0.08 0.10 0.13 0.16 15 6 0.10 0.09 0.08 0.08 0.07 0.07 0.08 0.10 0.13 0.16 0.20 16 7 0.09 0.08 0.08 0.07 0.07 0.08 0.10 0.13 0.16 0.20 0.23 17 8 0.08 0.08 0.07 0.07 0.08 0.10 0.13 0.16 0.20 0.23 0.21 18 9 0.08 0.07 0.07 0.08 0.10 0.13 0.16 0.20 0.23 0.21 0.21 19 10 0.07 0.07 0.08 0.10 0.13 0.16 0.20 0.23 0.21 0.21 0.22 20 11 0.07 0.08 0.10 0.13 0.16 0.20 0.23 0.21 0.21 0.22 0.23 21 12 0.08 0.10 0.13 0.16 0.20 0.23 0.21 0.21 0.22 0.23 0.23 22 13 0.10 0.13 0.16 0.20 0.23 0.21 0.21 0.22 0.23 0.23 0.23 23 14 0.13 0.16 0.20 0.23 0.21 0.21 0.22 0.23 0.23 0.23 0.23 24 15 0.16 0.20 0.23 0.21 0.21 0.22 0.23 0.23 0.23 0.23 0.22 25 16 0.20 0.23 0.21 0.21 0.22 0.23 0.23 0.23 0.23 0.22 0.22 26 17 0.19 0.21 0.21 0.22 0.23 0.23 0.23 0.23 0.22 0.22 0.23 27 18 0.18 0.20 0.21 0.22 0.22 0.22 0.22 0.22 0.22 0.22 0.23 28 19 0.18 0.19 0.20 0.21 0.21 0.21 0.21 0.21 0.21 0.21 0.24 29
NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM REINSURANCE FOR EACH 25% OF EXCESS MORTALITY MALE SUBSTANDARD RISK AGE NEAREST BIRTHDAY
POLICY YEAR ISSUE ----------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ----- ----- ----- -------- 45 0.35 0.49 0.62 0.75 0.84 0.98 1.12 1.25 1.38 1.53 1.98 55 46 0.38 0.52 0.68 0.81 0.92 1.07 1.22 1.36 1.50 1.66 2.17 56 47 0.40 0.56 0.74 0.88 1.01 1.16 1.33 1.48 1.62 1.80 2.38 57 48 0.43 0.61 0.80 0.95 1.08 1.26 1.46 1.63 1.78 1.98 2.61 58 49 0.45 0.66 0.86 1.03 1.17 1.38 1.60 1.78 1.95 2.17 2.86 59 50 0.48 0.71 0.94 1.11 1.26 1.50 1.76 1.96 2.14 2.38 3.13 60 51 0.51 0.77 1.02 1.21 1.35 1.64 1.93 2.14 2.34 2.61 3.43 61 52 0.54 0.84 1.10 1.31 1.46 1.79 2.11 2.35 2.56 2.87 3.70 62 53 0.58 0.89 1.19 1.41 1.57 1.90 2.24 2.49 2.72 3.06 4.00 63 54 0.62 0.94 1.28 1.53 1.69 2.02 2.39 2.64 2.89 3.26 4.32 64 55 0.66 1.00 1.37 1.65 1.83 2.15 2.54 2.81 3.08 3.49 4.68 65 56 0.71 1.07 1.48 1.78 1.97 2.30 2.71 2.99 3.29 3.73 5.06 66 57 0.76 1.14 1.60 1.93 2.13 2.46 2.89 3.19 3.51 4.00 5.48 67 58 0.85 1.27 1.77 2.17 2.38 2.69 3.12 3.45 3.83 4.38 5.93 68 59 0.95 1.40 1.96 2.42 2.65 2.95 3.36 3.74 4.18 4.80 6.43 69 60 1.06 1.55 2.17 2.70 2.95 3.23 3.63 4.05 4.56 5.25 6.96 70 61 1.18 1.71 2.40 3.01 3.28 3.53 3.92 4.39 4.98 5.74 7.55 71 62 1.30 1.89 2.64 3.34 3.63 3.87 4.24 4.76 5.43 6.27 8.18 72 63 1.47 2.11 2.89 3.60 3.97 4.25 4.66 5.18 5.93 6.90 8.85 73 64 1.65 2.36 3.16 3.88 4.34 4.66 5.11 5.65 6.47 7.58 9.60 74 65 1.84 2.62 3.46 4.19 4.74 5.11 5.61 6.15 7.06 8.32 10.40 75 66 2.06 2.91 3.78 4.52 5.17 5.61 6.15 6.70 7.71 9.13 11.28 76 67 2.29 3.22 4.13 4.89 5.65 6.14 6.74 7.30 8.41 10.01 12.32 77 68 2.54 3.57 4.58 5.45 6.31 6.87 7.54 8.19 9.38 11.15 13.44 78 69 2.81 3.95 5.07 6.07 7.03 7.67 8.41 9.15 10.44 12.38 14.67 79
NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM REINSURANCE FOR EACH 25% OF EXCESS MORTALITY MALE SUBSTANDARD RISK AGE NEAREST BIRTHDAY
POLICY YEAR ISSUE -------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- -------- 20 0.17 0.18 0.19 0.20 0.20 0.20 0.20 0.20 0.20 0.21 0.25 30 21 0.16 0.17 0.18 0.19 0.19 0.19 0.19 0.19 0.20 0.20 0.26 31 22 0.14 0.15 0.17 0.18 0.17 0.17 0.17 0.18 0.19 0.20 0.27 32 23 0.14 0.15 0.17 0.17 0.17 0.17 0.18 0.18 0.20 0.21 0.28 33 24 0.14 0.15 0.16 0.17 0.17 0.17 0.18 0.19 0.20 0.22 0.29 34 25 0.13 0.14 0.16 0.17 0.17 0.17 0.18 0.20 0.21 0.23 0.30 35 26 0.13 0.14 0.16 0.16 0.17 0.17 0.19 0.20 0.22 0.24 0.31 36 27 0.12 0.13 0.16 0.16 0.17 0.18 0.19 0.21 0.23 0.26 0.34 37 28 0.13 0.14 0.16 0.17 0.18 0.19 0.21 0.23 0.26 0.29 0.38 38 29 0.13 0.15 0.17 0.18 0.20 0.21 0.23 0.26 0.29 0.33 0.41 39 30 0.14 0.16 0.18 0.20 0.21 0.23 0.25 0.29 0.32 0.36 0.45 40 31 0.15 0.17 0.19 0.21 0.23 0.25 0.28 0.32 0.36 0.41 0.49 41 32 0.16 0.18 0.20 0.23 0.25 0.28 0.30 0.35 0.40 0.45 0.55 42 33 0.16 0.19 0.22 0.25 0.27 0.31 0.34 0.39 0.44 0.50 0.61 43 34 0.16 0.20 0.24 0.27 0.30 0.34 0.38 0.43 0.49 0.55 0.67 44 35 0.17 0.21 0.25 0.29 0.33 0.37 0.42 0.47 0.54 0.61 0.75 45 36 0.17 0.22 0.27 0.32 0.36 0.41 0.46 0.52 0.59 0.68 0.82 46 37 0.18 0.23 0.29 0.35 0.40 0.45 0.51 0.58 0.65 0.74 0.91 47 38 0.20 0.26 0.33 0.39 0.44 0.50 0.57 0.64 0.72 0.82 1.01 48 39 0.22 0.29 0.36 0.43 0.48 0.56 0.63 0.71 0.80 0.90 1.12 49 40 0.24 0.32 0.40 0.48 0.53 0.62 0.70 0.79 0.89 1.00 1.23 50 41 0.26 0.36 0.44 0.53 0.59 0.69 0.78 0.87 0.98 1.10 1.36 51 42 0.28 0.39 0.49 0.58 0.64 0.76 0.86 0.96 1.08 1.20 1.50 52 43 0.30 0.42 0.53 0.63 0.71 0.83 0.94 1.05 1.17 1.30 1.64 53 44 0.33 0.45 0.58 0.69 0.77 0.90 1.02 1.15 1.27 1.41 1.80 54
COINSURANCE PREMIUMS I. Coinsurance Allowances: First Renewal Plan Class Year Years ---- ----- ----- ------- 5 Year Term Preferred 100% 37% Nonsmoker 100 42 Smoker 100 25 10 Year Term Preferred 100 28 Nonsmoker 100 32 Smoker 100 10 II. Maximum amount of reinsurance on these coinsurance allowances: $5,000,000. III. Recapture: Reinsurance ceded on the above plans shall not be eligible for recapture before the tenth policy anniversary. IV. Conversions: Reinsured converted policies shall be continued on a YRT reinsurance mode. The applicable YRT premiums shall be those shown in rate schedule NRL-6027 for the insured's issue age and the policy duration measured from the date of issue of the original coinsured policy. Recapture on converted policies shall be governed by the coinsurance recapture terms with duration measured from the date of issue of the original coinsured policy. EXHIBIT B - Part 2 YEARLY RENEWABLE TERM REINSURANCE PREMIUMS Plan Rate Schedule ---- ------------- GP-20 NRL-6027 Discovery One See Part 3 (a) attached Other Plans NR-5923 EXHIBIT B - Part 3 TEN YEAR SELECT NON REFUND YRT REINSURANCE PROGRAM USE OF THE RATE SCHEDULE SMOKER/NON SMOKER DIFFERENTIATION This schedule contains YRT rates which are differentiated by smoking habit for issue ages 20-69. These rates are to be used only where the Ceding Company's gross premiums are differentiated by smoking habit. FEMALE RATES Ages 20 to 24 Use Rates for Males Age 20 Ages 25 & Older Use Rates for Males 5 Years Younger SUBSTANDARD RISKS Multiple table substandard premiums are equal to the sum of the standard premium (smoker or non-smoker) and the appropriate multiple of the additional premiums for 25% excess mortality shown in the Substandard table. For example: if a risk is rated Class D, 200%, the premium per thousand for each age and duration is the standard premium plus four times the additional substandard premium. Reinsurance premiums for risks which have been rated on a multiple table basis shall revert to the standard premium on the later of the twentieth policy anniversary and attained age 65. RECAPTURE Reinsurance ceded under this program will not be eligible for recapture before the end of the tenth policy anniversary. NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE LAST BIRTHDAY
POLICY YEAR ISSUE -------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- -------- 20 0.75 0.78 0.81 0.83 0.84 0.84 0.85 0.86 0.88 0.89 0.88 30 21 0.73 0.75 0.79 0.81 0.81 0.81 0.82 0.84 0.86 0.88 0.89 31 22 0.71 0.74 0.77 0.79 0.79 0.80 0.81 0.83 0.86 0.89 0.91 32 23 0.70 0.73 0.77 0.79 0.79 0.80 0.81 0.84 0.87 0.91 0.94 33 24 0.69 0.72 0.76 0.78 0.79 0.80 0.82 0.85 0.89 0.94 0.97 34 25 0.68 0.71 0.76 0.77 0.79 0.80 0.83 0.87 0.92 0.97 1.01 35 26 0.67 0.70 0.75 0.77 0.78 0.80 0.84 0.88 0.94 1.01 1.07 36 27 0.67 0.70 0.76 0.78 0.80 0.82 0.87 0.92 0.99 1.07 1.16 37 28 0.68 0.72 0.78 0.80 0.83 0.87 0.92 0.99 1.07 1.16 1.26 38 29 0.70 0.74 0.80 0.83 0.86 0.91 0.97 1.06 1.15 1.26 1.37 39 30 0.71 0.76 0.82 0.86 0.90 0.97 1.03 1.13 1.25 1.37 1.49 40 31 0.73 0.79 0.84 0.90 0.95 1.02 1.10 1.22 1.35 1.49 1.63 41 32 0.75 0.81 0.87 0.94 1.00 1.09 1.18 1.31 1.46 1.63 1.78 42 33 0.76 0.83 0.91 0.99 1.07 1.17 1.28 1.42 1.59 1.78 1.98 43 34 0.77 0.86 0.96 1.05 1.14 1.26 1.39 1.54 1.73 1.94 2.19 44 35 0.78 0.88 1.00 1.11 1.23 1.36 1.50 1.68 1.88 2.12 2.42 45 36 0.79 0.91 1.05 1.18 1.31 1.46 1.63 1.82 2.04 2.31 2.68 46 37 0.82 0.96 1.12 1.27 1.42 1.59 1.78 1.99 2.24 2.53 2.98 47 38 0.87 1.03 1.21 1.38 1.54 1.74 1.96 2.19 2.46 2.78 3.31 48 39 0.92 1.11 1.31 1.51 1.67 1.91 2.15 2.41 2.71 3.05 3.68 49 40 0.97 1.20 1.42 1.64 1.81 2.09 2.36 2.65 2.98 3.35 4.07 50 41 1.03 1.29 1.54 1.78 1.97 2.29 2.58 2.91 3.27 3.67 4.50 51 42 1.09 1.38 1.66 1.93 2.14 2.50 2.82 3.18 3.57 4.00 4.98 52 43 1.15 1.47 1.78 2.08 2.33 2.71 3.08 3.46 3.87 4.34 5.51 53 44 1.22 1.56 1.91 2.25 2.53 2.94 3.35 3.78 4.21 4.72 6.08 54
NON-SMOKER RATES NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE LAST BIRTHDAY
POLICY YEAR ISSUE ------------------------------------------------------------------------------------ ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- 45 1.29 1.66 2.06 2.43 2.75 3.19 3.66 4.12 4.57 5.13 6.70 55 46 1.36 1.76 2.22 2.62 3.00 3.45 3.98 4.48 4.97 5.57 7.41 56 47 1.44 1.89 2.39 2.83 3.24 3.76 4.36 4.91 5.44 6.11 8.19 57 48 1.51 2.03 2.59 3.06 3.49 4.11 4.80 5.41 5.98 6.74 9.05 58 49 1.59 2.18 2.79 3.31 3.76 4.48 5.28 5.94 6.58 7.42 9.99 59 50 1.67 2.35 3.02 3.58 4.05 4.90 5.80 6.53 7.23 8.18 11.00 60 51 1.77 2.53 3.27 3.88 4.37 5.34 6.37 7.17 7.93 8.99 12.05 61 52 1.87 2.71 3.53 4.20 4.72 5.77 6.89 7.76 8.60 9.77 13.13 62 53 1.99 2.88 3.80 4.55 5.11 6.17 7.37 8.28 9.20 10.49 14.31 63 54 2.12 3.06 4.10 4.93 5.52 6.61 7.88 8.86 9.85 11.29 15.59 64 55 2.25 3.26 4.42 5.35 5.98 7.09 8.45 9.49 10.57 12.16 16.98 65 56 2.40 3.47 4.77 5.80 6.48 7.61 9.06 10.17 11.34 13.10 18.54 66 57 2.60 3.75 5.19 6.36 7.10 8.22 9.72 10.92 12.24 14.18 20.24 67 58 2.85 4.10 5.69 7.05 7.85 8.93 10.40 11.74 13.26 15.42 22.11 68 59 3.13 4.49 6.24 7.80 8.66 9.71 11.16 12.63 14.38 16.76 24.15 69 60 3.43 4.91 6.83 8.62 9.56 10.55 11.98 13.61 15.60 18.24 26.36 70 61 3.75 5.36 7.48 9.51 10.53 11.47 12.87 14.67 16.93 19.83 28.58 71 62 4.14 5.89 8.16 10.33 11.51 12.50 13.94 15.86 18.38 21.61 30.76 72 63 4.59 6.51 8.85 11.07 12.49 13.63 15.21 17.17 19.95 23.57 33.15 73 64 5.08 7.18 9.62 11.87 13.56 14.87 16.60 18.60 21.66 25.71 35.76 74 65 5.61 7.92 10.45 12.75 14.74 16.22 18.11 20.17 23.54 28.05 38.59 75 66 6.19 8.72 11.35 13.70 16.01 17.69 19.75 21.87 25.57 30.58 41.59 76 67 6.79 9.56 12.39 14.92 17.51 19.38 21.62 23.87 27.84 33.33 44.75 77 68 7.41 10.45 13.55 16.41 19.25 21.30 23.72 26.19 30.35 36.28 48.19 78 69 8.09 11.42 14.83 18.05 21.15 23.40 26.01 28.73 33.10 39.49 51.96 79
NON-SMOKER RATES NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE LAST BIRTHDAY
POLICY YEAR ISSUE --------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- -------- 20 1.39 1.48 1.57 1.63 1.65 1.65 1.67 1.71 1.75 1.81 2.01 30 21 1.33 1.40 1.50 1.56 1.57 1.57 1.59 1.64 1.70 1.77 2.07 31 22 1.28 1.35 1.46 1.51 1.52 1.52 1.56 1.62 1.70 1.79 2.13 32 23 1.25 1.33 1.45 1.50 1.51 1.53 1.58 1.65 1.75 1.86 2.21 33 24 1.22 1.30 1.43 1.48 1.50 1.53 1.60 1.69 1.81 1.93 2.29 34 25 1.19 1.27 1.42 1.46 1.49 1.54 1.62 1.73 1.87 2.01 2.37 35 26 1.16 1.24 1.40 1.44 1.49 1.54 1.64 1.77 1.94 2.10 2.51 36 27 1.16 1.25 1.41 1.46 1.52 1.60 1.72 1.87 2.06 2.25 2.71 37 28 1.20 1.30 1.47 1.54 1.61 1.71 1.84 2.02 2.24 2.45 2.93 38 29 1.24 1.36 1.52 1.62 1.71 1.83 1.97 2.18 2.43 2.68 3.17 39 30 1.29 1.43 1.59 1.71 1.81 1.96 2.12 2.37 2.64 2.92 3.42 40 31 1.34 1.50 1.65 1.81 1.93 2.11 2.28 2.56 2.87 3.19 3.73 41 32 1.38 1.56 1.73 1.92 2.06 2.26 2.46 2.77 3.11 3.47 4.08 42 33 1.40 1.60 1.82 2.03 2.20 2.44 2.67 3.00 3.37 3.76 4.46 43 34 1.42 1.66 1.91 2.16 2.36 2.62 2.90 3.25 3.64 4.09 4.88 44 35 1.45 1.71 2.02 2.29 2.54 2.83 3.15 3.52 3.95 4.44 5.33 45 36 1.48 1.77 2.13 2.44 2.73 3.05 3.42 3.81 4.28 4.82 5.83 46 37 1.54 1.88 2.28 2.62 2.94 3.31 3.72 4.15 4.65 5.23 6.37 47 38 1.63 2.03 2.46 2.85 3.18 3.61 4.05 4.52 5.05 5.67 6.95 48 39 1.74 2.20 2.67 3.09 3.43 3.94 4.41 4.93 5.50 6.15 7.60 49 40 1.86 2.38 2.89 3.36 3.72 4.30 4.81 5.37 5.99 6.67 8.30 50 41 1.98 2.58 3.13 3.65 4.02 4.69 5.24 5.85 6.52 7.23 9.03 51 42 2.10 2.76 3.36 3.93 4.34 5.06 5.67 6.33 7.03 7.79 9.80 52 43 2.20 2.90 3.58 4.20 4.66 5.41 6.09 6.79 7.51 8.32 10.63 53 44 2.31 3.06 3.81 4.48 5.02 5.79 6.55 7.30 8.04 8.89 11.54 54
SMOKER RATES NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE LAST BIRTHDAY
POLICY YEAR ISSUE ------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- 45 2.44 3.24 4.07 4.80 5.41 6.21 7.06 7.85 8.61 9.52 12.53 55 46 2.57 3.42 4.35 5.14 5.83 6.67 7.60 8.45 9.23 10.21 13.59 56 47 2.70 3.63 4.65 5.49 6.23 7.16 8.21 9.12 9.94 11.00 14.72 57 48 2.81 3.86 4.96 5.84 6.60 7.69 8.88 9.85 10.73 11.90 15.95 58 49 2.93 4.11 5.29 6.23 7.00 8.26 9.60 10.65 11.60 12.89 17.29 59 50 3.06 4.39 5.66 6.66 7.45 8.90 10.40 11.53 12.56 13.97 18.75 60 51 3.20 4.68 6.06 7.12 7.93 9.58 11.26 12.48 13.59 15.13 20.16 61 52 3.36 4.95 6.45 7.60 8.43 10.19 12.00 13.29 14.47 16.17 21.50 62 53 3.52 5.18 6.83 8.09 8.95 10.70 12.59 13.92 15.19 17.03 22.96 63 54 3.70 5.43 7.25 8.62 9.52 11.25 13.23 14.62 15.97 17.97 24.56 64 55 3.90 5.70 7.70 9.20 10.15 11.86 13.93 15.38 16.82 19.01 26.29 65 56 4.11 5.99 8.20 9.84 10.82 12.52 14.69 16.20 17.74 20.12 28.13 66 57 4.40 6.37 8.78 10.61 11.64 13.28 15.46 17.07 18.78 21.37 30.05 67 58 4.75 6.85 9.44 11.52 12.62 14.15 16.23 17.98 19.93 22.74 32.15 68 59 5.14 7.37 10.17 12.53 13.68 15.09 17.07 18.98 21.19 24.24 34.46 69 60 5.56 7.94 10.96 13.62 14.84 16.12 17.99 20.07 22.57 25.88 36.94 70 61 6.02 8.56 11.82 14.81 16.10 17.24 18.99 21.25 24.06 27.66 39.35 71 62 6.54 9.25 12.67 15.81 17.29 18.42 20.17 22.52 25.61 29.61 41.63 72 63 7.12 10.02 13.48 16.60 18.38 19.67 21.54 23.87 27.20 31.73 44.12 73 64 7.75 10.86 14.36 17.47 19.57 21.03 23.03 25.34 28.93 34.04 46.84 74 65 8.44 11.78 15.33 18.41 20.87 22.53 24.66 26.95 30.84 36.58 49.78 75 66 9.18 12.77 16.38 19.43 22.28 24.14 26.43 28.70 32.89 39.32 53.28 76 67 9.91 13.76 17.53 20.73 23.94 26.05 28.56 30.99 35.52 42.58 57.36 77 68 10.59 14.72 18.77 22.31 25.85 28.25 31.06 33.87 38.76 46.38 61.81 78 69 11.34 15.77 20.13 24.03 27.94 30.66 33.79 37.00 42.29 50.53 66.68 79
SMOKER RATES NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM REINSURANCE FOR EACH 25% OF EXCESS MORTALITY MALE SUBSTANDARD RISK AGE LAST BIRTHDAY
POLICY YEAR ISSUE -------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- -------- 20 0.16 0.17 0.19 0.19 0.19 0.19 0.19 0.20 0.20 0.21 0.25 30 21 0.15 0.16 0.17 0.18 0.18 0.18 0.18 0.19 0.19 0.20 0.26 31 22 0.14 0.15 0.17 0.17 0.17 0.17 0.17 0.18 0.19 0.20 0.27 32 23 0.14 0.15 0.17 0.17 0.17 0.17 0.18 0.19 0.20 0.21 0.28 33 24 0.13 0.14 0.16 0.17 0.17 0.17 0.18 0.19 0.21 0.23 0.29 34 25 0.13 0.14 0.16 0.17 0.17 0.17 0.18 0.20 0.22 0.24 0.31 35 26 0.12 0.13 0.16 0.16 0.17 0.17 0.19 0.21 0.23 0.25 0.33 36 27 0.12 0.14 0.16 0.17 0.17 0.18 0.20 0.22 0.25 0.27 0.36 37 28 0.13 0.14 0.17 0.18 0.19 0.20 0.22 0.24 0.28 0.31 0.39 38 29 0.14 0.15 0.18 0.19 0.20 0.22 0.24 0.27 0.31 0.34 0.43 39 30 0.14 0.16 0.19 0.21 0.22 0.24 0.26 0.30 0.34 0.38 0.47 40 31 0.15 0.18 0.20 0.22 0.24 0.26 0.29 0.33 0.38 0.43 0.52 41 32 0.16 0.19 0.21 0.24 0.26 0.29 0.32 0.37 0.42 0.48 0.58 42 33 0.16 0.19 0.23 0.26 0.29 0.32 0.36 0.41 0.46 0.53 0.64 43 34 0.17 0.20 0.24 0.28 0.31 0.35 0.40 0.45 0.51 0.58 0.71 44 35 0.17 0.21 0.26 0.31 0.34 0.39 0.44 0.50 0.57 0.64 0.78 45 36 0.18 0.23 0.28 0.33 0.38 0.43 0.49 0.55 0.62 0.71 0.87 46 37 0.19 0.24 0.31 0.37 0.42 0.48 0.54 0.61 0.69 0.78 0.96 47 38 0.21 0.27 0.34 0.41 0.46 0.53 0.60 0.68 0.76 0.86 1.06 48 39 0.23 0.30 0.38 0.45 0.51 0.59 0.67 0.75 0.84 0.95 1.17 49 40 0.25 0.34 0.42 0.50 0.56 0.65 0.74 0.83 0.93 1.05 1.30 50 41 0.27 0.37 0.47 0.55 0.61 0.73 0.82 0.92 1.03 1.15 1.43 51 42 0.29 0.41 0.51 0.61 0.67 0.80 0.90 1.01 1.13 1.25 1.57 52 43 0.31 0.44 0.55 0.66 0.74 0.86 0.98 1.10 1.22 1.36 1.72 53 44 0.34 0.47 0.60 0.71 0.81 0.94 1.07 1.20 1.32 1.47 1.89 54
NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM REINSURANCE FOR EACH 25% OF EXCESS MORTALITY MALE SUBSTANDARD RISK AGE LAST BIRTHDAY
POLICY YEAR ISSUE ----------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ----- ----- ----- -------- 45 0.36 0.50 0.65 0.78 0.88 1.02 1.17 1.30 1.44 1.60 2.07 55 46 0.39 0.54 0.71 0.84 0.96 1.11 1.27 1.42 1.56 1.73 2.27 56 47 0.42 0.58 0.77 0.91 1.05 1.21 1.40 1.55 1.70 1.89 2.49 57 48 0.44 0.63 0.83 0.99 1.12 1.32 1.53 1.70 1.86 2.07 2.73 58 49 0.47 0.68 0.90 1.07 1.21 1.44 1.68 1.87 2.04 2.28 2.99 59 50 0.49 0.74 0.98 1.16 1.30 1.57 1.84 2.05 2.24 2.50 3.28 60 51 0.53 0.80 1.06 1.26 1.40 1.71 2.02 2.24 2.45 2.74 3.56 61 52 0.56 0.86 1.14 1.36 1.51 1.84 2.18 2.42 2.64 2.96 3.85 62 53 0.60 0.92 1.23 1.47 1.63 1.96 2.31 2.56 2.80 3.16 4.16 63 54 0.64 0.97 1.32 1.59 1.76 2.09 2.46 2.72 2.98 3.37 4.50 64 55 0.68 1.04 1.43 1.72 1.90 2.23 2.62 2.90 3.18 3.61 4.86 65 56 0.73 1.10 1.54 1.86 2.05 2.38 2.80 3.09 3.39 3.87 5.26 66 57 0.80 1.20 1.68 2.05 2.25 2.57 3.00 3.32 3.67 4.19 5.70 67 58 0.90 1.33 1.86 2.29 2.51 2.82 3.24 3.59 4.00 4.58 6.17 68 59 1.00 1.47 2.06 2.56 2.80 3.09 3.49 3.89 4.37 5.02 6.69 69 60 1.12 1.63 2.28 2.85 3.11 3.38 3.77 4.22 4.76 5.49 7.25 70 61 1.24 1.80 2.52 3.17 3.45 3.70 4.08 4.57 5.20 6.00 7.86 71 62 1.39 2.00 2.76 3.47 3.80 4.05 4.44 4.97 5.67 6.58 8.51 72 63 1.56 2.23 3.02 3.74 4.15 4.45 4.88 5.41 6.19 7.23 9.22 73 64 1.74 2.48 3.31 4.03 4.53 4.88 5.35 5.89 6.76 7.94 9.99 74 65 1.95 2.76 3.62 4.35 4.95 5.36 5.87 6.42 7.38 8.72 10.83 75 66 2.17 3.06 3.95 4.70 5.41 5.87 6.44 7.00 8.05 9.56 11.79 76 67 2.41 3.39 4.35 5.17 5.97 6.50 7.13 7.74 8.89 10.57 12.87 77 68 2.67 3.76 4.82 5.76 6.66 7.26 7.96 8.66 9.90 11.75 14.04 78 69 2.95 4.15 5.33 6.40 7.41 8.09 8.87 9.66 11.01 13.04 15.33 79
I. Plan: Discovery One II. Standard Reinsurance Risk Premiums: The reinsurance premiums to be used for reinsurance ceded on the above plan will be the Company's gross premiums, attached to this Exhibit, less the following percentage reductions: First Renewal Year Years ----- ------- Preferred 100% 38% Nonsmoker 100 35 Smoker 100 35 III. Multiple Table Substandard Reinsurance Risk Premiums: The percentage premium reduction specified in Section II., above, shall apply to multiple table substandard premiums. IV. Maximum amount of reinsurance on one life on these reinsurance premiums: $5,000,000 the excess amount over $5,000,000 will be reinsured using rate schedule NRN-5833. The nonsmoker rates will apply to both preferred nonsmokers and nonsmokers. V. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B - Part 3(a) MALE PREFERRED NON-SMOKER
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 --- ------ ------ ------ ------ ------ ------ ------ ------ ------ 0 6._07 1.692 1.461 1.403 1.346 1.298 1.250 1.211 1.1_2 1 1.692 1.4_1 1.403 1.346 1.298 1.250 1.211 1.162 1.163 2 1.461 1.403 1.346 1.298 1.250 1.211 1.182 1.163 1.1_3 3 1.403 1.346 1.298 1.250 1.211 1.182 1.163 1.163 1.182 4 1.34_ 1.298 1.250 1.211 1.182 1.1_3 1.163 1.182 1.211 5 1.298 1.2_0 1.211 1.182 1.163 1.1_3 1.182 1.211 1.269 6 0.250 1.211 1.182 1.183 1.163 1.182 1.211 1.269 1.336 7 1.211 1.182 1.163 1.163 1.182 1.211 1.269 1.336 1.403 8 1.182 1.1__ 1.163 1.182 1.211 1.269 1.336 1.403 1.480 9 1.16_ 1.1__ 1.1_2 1.211 1.269 1.336 1.403 1.480 1.557 10 1.16_ 1.1__ 1.211 1.269 1.33_ 1.403 1.480 1.557 1.625 11 1.182 1._11 1.269 1.33_ 1.403 1.480 1.557 1.625 1.673 12 1.211 1.___ 1.33_ 1.401 1.480 1.557 1.625 1.673 1.721 13 1.269 1.___ 1.403 1.4__ 1.557 1.625 1.673 1.721 1.347 14 1.33_ 1.___ 1.48_ 1.5__ 1.625 1.673 1.721 1.347 1.393 15 1.___ 1.___ 1._57 1.6__ 1.673 1.721 1.347 1.393 1.421 16 1.___ 1.___ 1.___ 1._7_ 1.7_1 1.347 1.39_ 1.421 1.435 17 1._57 1.___ 1._7_ 1.721 1._47 1.393 1.421 1.435 1.439 18 1._2_ 1.677 1.721 1._47 1.393 1.421 1.435 1.439 1.439 19 1._7_ 1.721 1.347 1.393 1.421 1.4_5 1.439 1.439 1.439 20 1.721 1.347 1.393 1.421 1.435 1.439 1.439 1.439 1.439 21 1._47 1.39_ 1.421 1.435 1.439 1.439 1.439 1.439 1.439 22 1.35_ 1.399 1.429 1.445 1.450 1.450 1.450 1.460 1.453 23 1.37_ 1.414 1.442 1.458 1.466 1.470 1.474 1.480 1.489 24 1.389 1.4_1 1.461 1.480 1.492 1.499 1.505 1.513 1.523 25 1.517 1.__4 1.580 1.596 1.604 1.607 1.610 1.615 1.625 26 1.542 1.__1 1.609 1.629 1.642 1.652 1.661 1.673 1.690 27 1.584 1.616 1.643 1.6__ 1.685 1.703 1.721 1.743 1.77_ 28 1.643 1.674 1.702 1.727 1.751 1.775 1.800 1.830 1.865 29 1.711 1.741 1.770 1.800 1.829 1.859 1.891 1.928 1.97_ 30 1.78_ 1.823 1.___ 1.891 1.926 1.962 2.001 2.044 2.093 31 1.___ 1.912 1.95_ 1.997 2.038 2.080 2.125 2.176 2.233 32 1.94_ 1.9__ _.047 2.096 2.147 2.199 2.256 2.318 2.386 33 2.011 2.075 _.13_ 2.2_1 2.___ 2.329 2.39_ 2.472 2.553 34 2.07_ 2.1__ _._37 2.315 2.___ 2.472 2.55_ 2.645 2.742 35 2.145 2.247 _.___ 2.4__ 2._3_ 2.626 2.725 2.826 2.93_ 36 2.23_ 2.___ _.___ 2.__1 2.712 2.822 2.934 3.050 3.174 37 2._48 2.___ _.___ 2.7__ 2.911 3.038 3.1__ 3.297 3.43_ 38 2.__1 2.___ _.___ 2.___ 3.142 3.2_5 3.42_ 3.569 _.717 39 2._3_ 2.___ _.___ 3._47 3.414 3.599 3.717 3.8_3 4.014 40 2._11 _.___ _._07 3._1_ 3.700 3.869 4.028 4.184 4.345 41 2.___ 3.___ _.___ 3.71_ 3.91_ 4.102 4.277 4.450 4._3_ 42 _.___ _.___ _.___ 3.917 4.139 4.341 4.535 4.730 4.939 43 3.189 3.___ _._37 4.10_ 4._4_ 4.568 4.785 5.009 5.25_ 44 3.314 _.___ 4.001 4.2_6 4._4_ 4.791 5.040 5.307 5.611 45 3._4_ 3.___ 4.172 4.47_ 4.756 5.026 5.804 5.612 5.967 46 3.__7 4.017 4.___ 4.714 5.019 5.317 5.628 5.974 _.377 47 3.7_9 4.___ 4._2_ 4.9_9 5._2_ 5.6_3 5.995 6.378 _._2_ 48 3._3_ 4.440 4._9_ 5.299 5.673 6.034 6.409 6.825 7.312 49 4.10_ 4._73 5.17_ 5.633 6.049 6.447 6.855 7.304 7.829 50 4.2__ 4.9_1 5.48_ 5.993 6.4_0 6.881 7.316 7.794 8.35_ 51 4.471 5.1__ 5.___ 6.3_9 6._5_ 7.316 7.780 8.291 _.897 52 4._67 5.449 5.132 6.725 7.250 7.734 8.221 8.762 9.417 53 4._7_ 5.715 _.444 7.___ 7.612 8.113 8._2_ 9.195 9.907 54 _.08_ _.___ _.75_ 7.4_1 7.95_ 8.4_0 8.971 9.5_3 10._1_ 55 _._1_ _.___ 7._74 7.7_7 _.___ 8.799 9.321 9.946 10.769 56 _.___ _.___ 7.___ 7.1__ _.___ 9._75 9._2_ 10.4__ 11.38_ 57 _.___ 7.___ 7.___ _.___ _.___ 9.___ 10.571 11.077 12.053 [x] [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------- ------- -------- 0 1.163 1.163 1.1_2 1.211 1.269 1.3__ 1.403 15 1 1.163 1.182 1.211 1.269 1.336 1.4__ 1.480 16 2 1.182 1.211 1.269 1.336 1.403 1.4__ 1.__7 17 3 1.211 1.269 1.336 1.403 1.480 1.__7 1.___ 18 4 1.269 1.338 1.403 1.48_ 1.557 1.62_ 1._7_ 19 5 1.336 1.403 1.48_ 1.557 1.625 1.67_ 1.721 20 6 1.403 1.48_ 1.557 1.625 1.673 1.721 1._47 21 7 1.48_ 1.557 1.625 1.673 1.721 1._47 1._9_ 22 8 1.557 1.625 1._73 1.721 1.347 1._9_ 1.421 23 9 1.625 1.673 1.721 1._47 1.393 1.421 1.435 24 10 1.673 1.721 1.347 1.393 1.421 1.43_ 1.439 25 11 1.721 1.347 1.393 1.421 1.435 1.439 1.439 26 12 1.347 1.393 1.421 1.435 1.439 1.439 1.439 27 13 1.393 1.421 1.43_ 1.439 1.439 1.439 1.439 28 14 1.421 1.43_ 1.439 1.439 1.439 1.439 1.439 29 15 1.435 1.439 1.439 1.439 1.439 1.439 1.440 30 16 1.439 1.439 1.4__ 1.439 1.439 1.___ 1.449 31 17 1.439 1.439 1.439 1.439 1.440 1.___ 1.46_ 32 18 1.439 1.439 1.439 1.440 1.449 1.___ 1.472 33 19 1.439 1.439 1.44_ 1.449 1.4_0 1.___ 1.48_ 34 20 1.439 1.44_ 1.449 1.46_ 1.472 1.4__ 1.495 35 21 1.440 1.449 1.4__ 1.472 1.4_4 1.4__ 1._45 36 22 1.4_2 1.474 1.469 1.50_ 1.525 1.54_ 1._02 37 23 1.503 1._21 1._41 1.56_ 1.583 1._02 1._24 38 24 1.538 1.558 1.5_4 1._17 1.655 1._01 1.731 39 25 1.641 1.665 1.69_ 1.732 1.775 1.8_1 1._52 40 26 1.714 1.74_ 1.7__ 1.833 1.8_6 1.94_ 1._74 41 27 1.803 1.845 1.894 1.95_ 2.011 2.077 2.10_ 42 28 1.907 1.957 2.014 2.07_ 2.142 2.211 2._57 43 29 2.018 2.073 2.135 2.20_ 2.2_1 2.___ 2.424 44 30 2.148 2.211 2.2__ 2.___ 2.439 2._2_ 2._0_ 45 31 2.297 2.369 2.447 2._33 2.626 2.72_ 2._18 46 32 2.4_1 2.54_ 2.___ 2.7__ 2.8_5 2.94_ _._5_ 47 33 2.640 2.73_ 2.84_ 2.953 3.075 _.20_ _._1_ 48 34 2.847 2.96_ 3.0_2 _.209 3.342 _.47_ _._20 49 35 3.055 3.184 3.322 3.4__ 3.621 _.7__ _.954 50 36 3._08 3.452 3.6_8 _.774 3.949 4.1__ _._1_ 51 37 _.__2 3.742 3.915 4.102 4.301 4._1_ 4.___ 52 38 3.87_ 4.048 4.2_7 4.44_ 4.673 4.9_1 _.122 53 39 4.177 4._59 4._6_ 4.___ 5.077 _.___ _._12 54 40 4.519 4.71_ 4.___ _._15 5.532 _.___ _.1__ 55 41 4.835 5.07_ 5._4_ _.__1 6.078 _.___ _._8_ 56 42 5.177 5.458 5.79_ _.___ 6.691 7.2__ 7.___ 57 43 5.543 5.884 6.29_ 6.790 7.379 8.___ _._20 58 44 5.9_7 6._9_ 6.8_9 7.47_ 8.149 _.917 9.___ 59 45 _.388 6._90 7.4_2 8.172 8.9_4 9.__1 1_.___ 60 46 6.__7 7.___ 8.1__ _.___ 9.7_7 10.___ 11.9__ 61 47 7.__2 8.005 8.76_ _.659 10.6_3 11._4_ 1_.129 62 48 7._99 8._1_ 9.4_4 10.475 11.6_1 12.__7 1_.471 63 49 8.467 9.249 10.20_ 11.350 12.702 14.___ 1_.98_ 64 50 9.044 9.904 10.969 12.270 13.823 1_.___ 17._4_ 65 51 9.6_4 10.613 11.821 13._14 15.118 17.2__ 19._31 66 52 10.250 11.325 12._9_ 14.412 16.4__ 1_._7_ 21.___ 67 53 10.832 12.041 13.606 15.559 17.9_6 20.___ 2_._20 68 54 11.320 12._66 14.4_5 __._97 19.50_ 2_.___ 2_.7_2 69 55 11.895 13.424 15.44_ __._47 21.2_7 2_.___ _.____ 70 56 12._27 14.331 16.___ 19._0_ 2_.11_ 27.___ 3_.___ 71 57 1_.426 15._23 17.___ 21.111 25.1__ __.___ __.__7 72
58 6.27_ 7.5_7 _.___ 9.2__ 9.___ 10.4_4 11.004 11.___ 12.___ 59 _.___ 8.021 _.___ 9.914 10._61 11.131 11.751 12.567 13.738 60 7.___ 8.5_1 9.74_ 10.6_4 11._22 11.918 12.563 13.422 14._72 61 7._31 9.259 10._39 11._15 12.267 13._17 13.616 14.544 15.900 62 8.219 9.970 11.356 12.419 13.24_ 13.9_3 14.733 15.752 17.23_ 63 _._6_ 10.7_4 12.265 13.414 14._0_ 15.0_1 15.91_ 17.029 18._49 64 9.57_ 11.6__ 13.302 14.__8 15.48_ 16.305 17.198 18.398 20.165 65 10.350 12.___ 14.400 15.7_1 16.748 17.631 18.603 19.921 21.864 66 11.17_ 13.5__ 15.4__ 16.8_5 18.008 18.994 20.095 21.584 23.764 67 12.0_7 14.4__ 16.45_ 18.001 19.269 20.4_5 21.766 23.515 26.00_ 68 13.031 15.___ 17._97 19.09_ 20.59_ 22.0_0 23.709 25.814 28.69_ 69 1_._7_ 16.___ 1_.___ 20.__7 22.0__ 23.900 25.96_ 28.51_ 31._50 70 1_.1__ 17.___ 1_.___ __.___ 2_._3_ 25.9_8 28.521 31.595 3_.457 71 __.___ 1_.___ __.___ __.1__ __.___ 28.111 30.941 34.305 3_.52_ 72 1_.___ __.___ __.___ __.___ __.___ 30.___ 33.580 37.265 41._7_ 73 1_.___ __.___ __._1_ _7.1__ 29.975 33.0__ 3_.420 40.4__ 45.47_ 74 2_._92 2_.___ 2_.___ 29.021 3_._07 35.350 38.928 43.134 48.__1 75 21.201 24.___ 27.44_ 30.__4 33.879 37.300 41.081 45.534 51.09_
58 1_.___ 1_.___ __.___ __.___ __.___ __.___ __.___ 73 59 1_._25 17.77_ 20.923 24.957 29.947 35.9__ 4_._8_ 74 60 __._97 19.067 22.528 2_.99_ _2.547 39.2__ 47.___ 75 61 1_.884 20._8_ 24.471 2_.36_ 3_.4_8 42._17 51.45_ 76 62 19.398 22.459 26.599 31.9_5 38.6_0 4_.___ __._2_ 77 63 21.019 24.372 28.908 34.791 42.1_1 50.9__ _1._9_ 78 64 22.7_0 26.435 31.408 37._52 45.8_8 5_.577 67.450 79 65 24.717 28.749 34.19_ 41.23_ 49._99 60.___ 7_.43_ 80 66 26.942 31.411 37.428 4_.199 _4.8_5 6_.__1 80._8_ 81 67 29.5_4 34.510 41.127 49._4_ _0.2_6 72._7_ 87.99_ 82 68 _2.687 38.142 45.375 54._51 _6.1_7 80.___ 9_.227 83 69 36.327 42.31_ _0.177 60.214 72.6_4 87.___ 105._2_ 84 70 40.4_6 47.02_ 55._2_ 6_.___ 7_.7_7 9_.___ 11_.05_ 85 71 _3.988 51.131 __.3_5 72.142 _6.710 1_4.___ 1__.17_ 86 72 _7.8_8 55._21 __.___ 7_.4__ 94.___ 11_.___ 1_7.225 87 73 51.973 60.43_ 71.38_ 85.279 102.4_1 1__.___ 1_0.___ 88 74 _5.189 _4.149 7_.87_ 90.93_ 109.794 132.___ 1_1.___ 89 75 _8.32_ _7.845 _0.301 9_.291 116.29_ 14_.___ 171._3_ 90 17_.734 91 1_7.293 92 197.538 93 213.049 94 22_.850 95 271.382 96 3_7.484 97 543.810 98 826.995 99
MALE NON-SMOKER DISCOVERY ONE
AGE [X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 --- ----- ----- ----- ------ ------ ------ ------ ------ 0 _.807 1.692 1.461 1.403 1.346 1.298 1.250 1.211 1 1.692 1.4_1 1.403 1.346 1.298 1.250 1.211 1.182 2 1.461 1.403 1.346 1.298 1.250 1.211 1.182 1.163 3 1.403 1.346 1.298 1.250 1.211 1.182 1.163 1.163 4 1.346 1.298 1.250 1.211 1.182 1.163 1.163 1.182 5 1.298 1.250 1.211 1.182 1.163 1.163 1.182 1.211 6 1.250 1.211 1.182 1.163 1.163 1.182 1.211 1.369 7 1.211 1.182 1.163 1.163 1.182 1.211 1.369 1.336 8 1.182 1.163 1.163 1.182 1.211 1.369 1.336 1.403 9 1.163 1.163 1.182 1.211 1.269 1.336 1.403 1.480 10 1.163 1.182 1.211 1.269 1.336 1.403 1.480 1.557 11 1.182 1.211 1.269 1.336 1.403 1.480 1.557 1.625 12 1.211 1.269 1.336 1.403 1.480 1.557 1.625 1.673 13 1.269 1.336 1.403 1.480 1.557 1.625 1.673 1.721 14 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.510 15 1.403 1.480 1.557 1.625 1.673 1.721 1.510 1.___ 16 1.480 1.557 1.425 1.673 1.721 1.510 1.574 1.___ 17 1.557 1.625 1.673 1.721 1.510 1.574 1.61_ 1.___ 18 1.625 1.673 1.721 1.510 1.576 1.614 1.63_ 1.___ 19 1.673 1.721 1.510 1.574 1.___ 1.636 1.___ 1.___ 20 1.721 1.510 1.574 1.614 1.___ 1.640 1.___ 1.___ 21 1.510 1.574 1.614 1.634 1.___ 1.640 1.___ 1.___ 22 1.505 1.569 1.611 1.633 1.662 1.642 1.___ 1.___ 23 1.518 1.576 1.615 1.638 1.650 1.656 1.___ 1.___ 24 1.525 1.584 1.626 1.654 1.671 1.682 1.690 1.647 25 1.626 1.673 1.706 1.725 1.733 1.739 1.743 1.490 26 1.648 1.696 1.732 1.757 1.773 1.785 1.707 1.749 27 1.690 1.730 1.764 1.792 1.816 1.858 1.861 1.817 28 1.752 1.791 1.826 1.858 1.887 1.917 1.969 1.888 29 1.826 1.8_3 1.900 1.937 1.973 2.011 2.052 1.986 30 1.910 1.9_4 1.997 2.040 2.083 2.127 2.174 2.097 31 1.994 2.053 2.107 2.159 2.210 2.262 2.319 2.230 32 2.080 2.145 2.208 2.270 2.333 2.399 2.469 2.363 33 2.150 2._80 2.309 2.387 2.465 2.547 2.633 2.967 34 2.213 2.317 2.417 2.515 2.612 2.712 2.816 2.726 35 2.288 2.415 2.537 2.655 2.772 2.889 3.010 2.028 36 2.383 2.544 2.697 2.841 2.981 3.116 3.298 3.150 37 2.509 2.699 2.878 3.049 3.212 3.372 3.531 3.495 38 2.659 2.886 3.098 3.297 3.484 3.664 3.840 4.018 39 2.834 3.115 3.369 3.598 3.407 4.000 6.185 4.368 40 3.034 3.362 3.654 3.914 4.166 4.357 4.555 4.750 41 3.177 3.539 3.862 4.149 _._05 6.637 4.857 _.875 42 3.318 3.721 4.078 4.393 4.673 6.929 5.172 _.418 43 3.458 3.892 4.277 4.618 4.923 5.205 5.479 _.762 44 3.598 4.060 4.469 4.833 5.166 5.477 5.795 4.432 45 3.744 4.235 4.671 5.061 5.619 5.764 6.120 4.511 46 3.929 4.454 4.925 5.349 5.742 6.126 6.524 6.965 47 4.116 4.697 5.218 5.687 6.122 6.546 6.986 7.477 48 4.305 4.958 5.543 6.071 6.558 7.028 7.515 8.047 49 4.504 5.236 5.894 6.487 7.032 7.553 8.086 8.663 50 4.706 5.536 6.278 6.941 7.542 8.110 8.681 9.299 51 4.924 5.853 6.678 7.409 8.066 8.680 9.292 9.956 52 5.152 6.185 7.090 7.882 8.584 9.233 9.880 10.588 53 5.391 6._15 7.489 8.328 9.064 9.741 10.420 11.176 54 5.648 6.854 7.887 8.7_5 9._22 10.212 10.906 11.690 55 5.914 7.211 8.302 9.211 9.982 10.682 11.397 12.230 56 _.261 7.670 8.840 9.798 10.600 11.325 12.075 12.967 57 _._55 8.185 9.445 10.458 11.294 12.045 12.829 13.783 [X] [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------ ------ -------- 0 1.___ 1.___ 1.143 1.182 1.211 1.___ 1.330 1.403 15 1 1.___ 1.___ 1.___ 1.211 1.269 1.336 1.403 1.480 16 2 1.___ 1.___ 1.211 1.269 1.336 1.403 1.480 1.557 17 3 1.___ 1.___ 1.269 1.336 1.403 1.480 1.557 1.625 18 4 1.___ 1.___ 1.336 1.403 1.480 1.557 1.625 1.673 19 5 1.___ 1.___ 1.403 1.480 1.557 1.625 1.675 1.721 20 6 1.___ 1.___ 1.___ 1.557 1.625 1.673 1.721 1.510 21 7 1.___ 1.___ 1.559 1.625 1.673 1.721 1.510 1.576 22 8 1.___ 1.___ 1.625 1.673 1._21 1.510 1.574 1.614 23 9 1.721 1.625 1.673 1.721 1.610 1.576 1.61_ 1.634 24 10 1.510 1.693 1.___ 1.510 1.574 1.614 1.634 1.640 25 11 1.576 1.___ 1.___ 1.574 1.616 1.636 1.640 1.640 26 12 1.616 1.___ 1.___ 1.614 1.636 1.640 1.640 1.640 27 13 1.636 1.574 1.616 1.636 1.640 1.640 1.640 1.640 28 14 1.640 1.616 1.634 1.640 1.640 1.640 1.640 1.640 29 15 1.640 1.634 1.640 1.640 1.640 1.640 1.640 1.640 30 16 1.640 1.640 1.640 1.640 1.640 1.640 1.640 1.640 31 17 1.640 1.640 1.640 1.640 1.640 1.640 1.640 1.642 32 18 1.640 1.640 1.640 1.640 1.640 1.640 1.642 1.647 33 19 1.442 1.640 1.640 1.640 1.640 1.642 1.647 1.651 34 20 1.678 1.640 1.640 1.640 1.642 1.647 1.651 1.652 35 21 _.___ 1.640 1.640 1.642 1.647 1.651 1.652 1.705 36 22 _.___ 1.640 1.658 1.670 1.682 1.695 1.705 1.769 37 23 1.767 1.692 1.709 1.728 1.745 1.759 1.769 1.785 38 24 1.833 1.727 1.748 1.77_ 1.806 1.841 1.884 1.909 39 25 1.922 1.782 1.812 1.850 1.896 1.949 2.007 2.051 40 26 _.___ 1.863 1.903 1.953 2.012 2.078 2.150 2.193 41 27 2.149 1.964 2.016 2.078 2.148 2.224 2.305 2.347 42 28 2.291 2.083 2.145 2.216 2.294 2.377 2.462 2.526 43 29 2.454 2.209 2.278 2.357 2.443 2.538 2.640 2.722 44 30 2.632 2.367 2.439 2.525 2.621 2.726 2.83_ 2.941 45 31 2.827 2.334 2.424 2.722 2.829 2.965 3.069 3.191 46 32 3.04_ 2.724 2.828 2.941 3.063 3.196 3.335 3.478 47 33 3.276 2.936 3.056 3.186 3.328 3.480 3._43 3.789 48 34 _.___ 3.1__ 3.322 3.474 3.633 3.799 3.969 4.151 49 35 3.868 3.623 3.586 3.759 3.942 4.133 4.331 4.555 50 36 4.204 3.725 3.906 4.101 4.308 4.527 4.756 4.993 51 37 _.___ 4.058 4.252 4.468 4.702 4.951 5.215 5.439 52 38 _.___ 4.402 4.617 4.854 5.114 5.399 5.708 5.965 53 39 _.___ 4.761 4.988 5.246 5.543 5.885 6.274 6.559 54 40 _.___ 5.1__ 5.615 5.702 6.039 6.435 6.895 7.262 55 41 3.304 5.___ 5.850 6.196 6.611 7.105 7.683 8.235 56 42 5.681 5.979 6.329 6.748 7.254 7.859 8.570 9.339 57 43 6.076 6.457 6.857 7.367 7.980 8.708 9.561 10.489 58 44 6.515 6.969 7.487 8.106 8.828 9.660 10.603 11.737 59 45 6.959 7.487 8.112 8.845 9.696 10.670 11.768 13.068 60 46 7.475 8.077 8.789 9.624 10.590 11.690 12.927 14.347 61 47 8.045 8.718 9.518 10.461 11.555 12.806 14.21_ 15.778 62 48 8.666 9.403 10.287 11.340 12.579 14.012 15.645 17.429 63 49 9.3_2 10.135 11.105 12.279 13.680 15.324 17.218 19.295 64 50 10.015 10.486 11.946 13.256 14.842 16.728 18.92_ 21.340 65 51 10.731 11.482 12.871 14.353 16.171 18.356 20.___ 23.790 66 52 11.427 12.475 13.807 15.488 17.573 20.098 23.___ 26.421 67 53 12.092 13.256 14.754 16.662 19.042 21.937 25.___ 29.459 68 54 12.661 13.928 15.594 17.7_0 20.507 23.899 27.___ 32.626 69 55 13.297 14.718 16.614 19.094 22.249 26.148 30.___ 36.070 70 56 14.133 15.708 17.823 20.597 24.126 28.482 33.___ 39.095 71 57 15.054 16.796 19.154 22.256 25.207 31.085 3_.___ 4_.627 72
MALE NON-SMOKER DISCOVERY ONE
AGE [X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 _._07 1.6__ 1.401 1.4__ 1.34_ 1.298 1.250 1.211 1.182 1.1_3 1.16_ 1.132 1.211 1.269 1.336 1.403 15 1 1._92 1.401 1.403 1.346 1.29_ 1.250 1.211 1.182 1.163 1.1_3 1.162 1.211 1.2_9 1.336 1.4__ 1.480 16 2 1.401 1.4__ 1.346 1.298 1.250 1.211 1.182 1.183 1.163 1.182 1.211 1.269 1.33_ 1.403 1.4__ 1.557 17 3 1.403 1.3__ 1.298 1.250 1.211 1.182 1.183 1.1_3 1.182 1.211 1.269 1.336 1.403 1.480 1.__7 1.625 18 4 1.346 1.___ 1.250 1.211 1.182 1.183 1.183 1.182 1.211 1.269 1.338 1.403 1.480 1.557 1.___ 1._75 19 5 1.29_ 1.2__ 1.211 1.182 1.163 1.183 1.182 1.211 1.269 1.336 1.403 1.480 1.557 1.625 1.675 1.721 20 6 1.250 1.211 1.182 1.163 1.163 1.182 1.211 1.269 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.2_8 21 7 1.211 1.162 1.163 1.163 1.182 1.211 1.269 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.2__ 1._03 22 8 1.182 1.163 1.163 1.182 1.211 1.269 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.2_8 1.305 1.325 23 9 1.163 1.163 1.182 1.211 1.269 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.268 1.303 1.325 1.334 24 10 1.163 1.182 1.211 1.269 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.268 1.303 1.325 1.334 1.334 25 11 1.182 1.211 1.269 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.268 1.303 1.325 1.334 1.334 1.334 26 12 1.211 1.2_9 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.2_8 1.303 1.325 1.334 1.334 1.334 1.334 27 13 1.269 1.366 1.403 1.480 1.557 1.625 1.673 1.721 1.268 1.303 1.325 1.334 1.334 1.334 1.334 1.334 28 14 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.268 1.303 1.325 1.334 1.334 1.334 1.334 1.334 1.334 29 15 1.403 1.4_0 1.557 1.625 1.67_ 1.721 1.268 1.303 1.325 1.334 1.334 1.334 1.334 1.334 1.334 1.334 30 16 1.480 1.5_7 1.625 1.673 1.721 1.268 1.303 1.325 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 31 17 1.557 1.___ 1._7_ 1.721 1.263 1.303 1.325 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 32 18 1.62_ 1._7_ 1.721 1.283 1.303 1.325 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.340 33 19 1.673 1.7__ 1.2__ 1.303 1.325 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.340 1.348 34 20 1.721 1.___ 1.___ 1.385 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.340 1.340 1.356 35 21 1.___ 1.___ 1.___ 1.3_4 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.334 1.340 1.348 1.___ 1.405 36 22 1.279 1.___ 1.537 1.347 1.350 1.350 1.350 1.350 1.350 1.350 1.355 1.365 1.377 1.390 1.4__ 1.4_0 37 23 1.___ 1.___ 1.354 1.385 1.37_ 1.371 1.371 1.374 1.380 1.389 1.401 1.416 1.431 1.44_ 1.___ 1.468 38 24 1.___ 1.___ 1._7_ 1.390 1.39_ 1.402 1.405 1.410 1.417 1.428 1.443 1.462 1.43_ 1.513 1.___ 1.558 39 25 1.380 1.___ 1._2_ 1.___ 1.442 1.445 1.449 1.455 1.465 1.481 1.502 1.629 1.561 1.597 1.___ 1.__0 40 26 1.415 1.___ 1.___ 1.476 1.48_ 1.493 1.502 1.512 1.527 1.548 1.575 1.6__ 1._47 1.691 1.7__ 1.762 41 27 1.4_2 1.4__ 1._03 1.579 1.533 1.547 1.561 1.579 1.601 1.628 1._62 1.702 1.747 1.796 1.___ 1._71 42 28 1.521 1.5_2 1.562 1.581 1.698 1.616 1.63_ 1.659 1.687 1.720 1.7_0 1.805 1._54 1.907 1.9_2 1.996 43 29 1.587 1._0_ 1.630 1.651 1.673 1.695 1.720 1.748 1.781 1.818 1.861 1.910 1.9_4 2.023 2.057 2.132 44 30 1.662 1.__7 1.712 1.757 1.762 1.789 1.819 1.852 1.889 1.932 1.979 2.033 2.091 2.155 2.274 2.282 45 31 1.739 1.773 1.805 1.835 1.86_ 1.897 1.932 1.970 2.013 2.0_1 2.115 2.174 2.239 2.309 2.395 2.450 46 32 1.819 1.8_7 1.894 1.931 1.969 2.008 2.051 2.097 2.148 2.204 2.2_5 2.331 2.404 2.431 2.___ 2.641 47 33 1.890 1.95_ 1.986 2.033 2.080 2.129 2.180 2.235 2.295 2.359 2.430 2.506 2._89 2.677 2.774 2.647 48 34 1.959 2.023 2.084 2.145 2.202 2.262 2.324 2.390 2.461 2.538 2.621 2.708 2.800 2.894 2.9__ 3.084 49 35 2.03_ 2.116 2.191 2.254 2.335 2.405 2.478 2.553 2.634 2.720 2.813 2.912 3.015 3.122 3.231 3._4_ 50 36 2.108 2.207 2.300 2.388 2.471 2.553 2.634 2.718 2.807 2.903 3.005 3.115 3.230 3.352 3.477 3.59_ 51 37 2.199 2.314 2.421 2.522 2._18 2.711 2.803 2.896 2.993 3.097 3.208 3.3__ 3.45_ 3.592 3.756 3.645 52 38 2._0_ 2.4__ 2.564 2.679 2.787 2.889 2.986 3.088 3.191 3.300 3.418 3.547 3._88 3.842 4.___ 4.134 53 39 2.425 2.5__ 2.733 2.804 2.981 3.0_9 3.191 3.291 3.394 3.504 3._2_ 3.7__ 3.924 4.107 4.315 4.454 54 40 2.350 2.7__ _.___ 3.053 3.181 3.29_ 3.404 3.508 3.615 3.751 3.862 4.013 4.192 4.402 4._45 4.826 55 41 2.___ 2.___ _._7_ 3.2_9 3.__7 3.491 3._0_ 3.718 3.834 3.961 4.10_ 4.278 4.484 4.728 5.01_ 5.269 56 42 2.___ 3.___ _.___ 3.410 3.___ 3.692 3.815 3.936 4.063 4.205 4.370 4.567 4.504 5.085 5.416 5.756 57 43 2.95_ 3.1__ _.___ 3.5__ 3.__1 3.__4 4.018 4.153 4.29_ 4.462 4.654 4.8_2 5.155 5.478 5.5__ 5.240 58 44 _.___ 3.___ _.___ 3.74_ 3.917 4.072 4.223 4.380 4.553 4.751 4.981 5.249 5._5_ 5.905 6.22_ 5.745 59 45 3.190 3.___ _.___ 3.915 4.095 4.2_7 4.43_ 4.609 4.806 5.034 5.299 5._04 5.952 6.343 6.773 7._71 60 46 3.320 3.___ _._79 4.105 4.60_ 4.4_9 4._75 4.875 5.101 5.383 5.667 6.018 6.413 6.__5 7.___ 7.907 61 47 3.4__ 3.7_9 4.___ 4.315 4.534 4.739 4.945 5.166 5.418 5.712 6.05_ 6.456 6.913 7.450 8.___ 8.514 62 48 3.605 3.9_2 4.275 4.547 4.790 5.015 5.240 5.481 5.754 6.076 6.457 6.908 7.432 8.052 8.711 9.424 63 49 3.748 4.142 4.48_ 4.790 5.059 5.3__ 5.550 5.809 6.103 6.453 6.873 7.379 7.960 8.630 9.___ 10.334 64 50 3.892 4.331 4.713 5.046 5._37 5.603 5.861 6.135 6.449 6.826 7.290 7.869 8.547 9.364 10.312 11.523 65 51 4.051 4.5_5 4.956 5.319 5.634 5.918 6.193 6.484 6.820 7.229 7.740 8.377 9.157 10.193 11.1_3 12._85 66 52 4._10 4.74_ 5.202 5.591 5.925 6.223 6.511 6.818 7.179 7.626 8.193 8.9__ 9.793 10.852 12.123 1_._04 67 53 4.___ 4.955 5.439 5.846 6.193 6.602 6.803 7.129 7.520 8.014 8.847 9.452 10.452 11.___ 13.100 14._9_ 68 54 4.5__ 5.105 5._69 6.090 6.445 6.7_3 7.07_ 7.425 7.851 8.399 9.10_ 10.012 11.139 12.506 14.125 15.903 69 55 4.750 5.3_3 5._09 6.341 6.702 7.025 7._48 7.718 8.183 8.789 9.582 10.597 11.__5 13.405 15.2__ 17.191 70 56 4.982 5.601 _.220 6.673 7.043 7.3_3 7.723 8.119 8.825 9.292 10.16_ 11.293 12.897 14.402 16.41_ 18._50 71 57 5.237 5.907 _.561 7.03_ 7.42_ 7.775 8.131 8.554 9.103 9.835 10.803 12.049 13.607 15.500 17.7_9 20.29_ 72
_ _.___ _.___ _.___ _.___ _.___ _.___ _.___ _.___ _.___ _ _.___ _.___ _.___ _.___ _.___ _.___ _.___ _.___ _.___ 5 1.298 1.250 1.211 1.182 1.163 1.183 1.182 1.211 1.269 6 1.250 1.211 1.182 1.183 1.163 1.182 1.211 1.2_9 1.336 7 1.211 1.1_2 1.183 1.183 1.182 1.211 1.269 1.336 1.403 8 1.182 1.1__ 1.183 1.182 1.211 1.2_9 1.33_ 1.403 1.480 9 1.1__ 1.1__ 1.1__ 1.211 1.2_9 1.336 1.403 1.480 1.557 10 1.1__ 1.1__ 1.211 1.2__ 1.338 1.403 1.480 1.557 1.625 11 1.1__ 1._11 1.2__ 1.3__ 1.403 1.480 1.557 1.625 1.673 12 1.211 1.2__ 1.___ 1.403 1.480 1.557 1.625 1.673 1.721 13 1.269 1.___ 1.403 1.480 1._57 1.625 1.673 1.721 1.83_ 14 1.338 1.403 1.480 1.557 1.625 1.673 1.721 1.836 1.915 15 1.403 1.480 1._57 1.625 1._73 1.721 1.836 1.915 1.962 16 1.480 1.557 1.625 1.673 1.721 1.836 1.915 1.962 1.982 17 1.557 1.625 1.673 1.721 1.838 1.915 1.962 1.982 1.982 18 1.625 1.673 1.721 1.836 1.915 1.962 1.982 1.982 1.982 19 1.675 1.721 1.83_ 1.915 1.962 1.982 1.982 1.982 1.982 20 1.721 1.856 1.915 1.982 1.982 1.982 1.982 1.982 1.982 21 1.836 1.915 1.962 1.982 1.982 1.982 1.982 1.982 1.982 22 1.825 1.904 1.953 1.976 1.980 1.980 1.980 1.980 1.980 23 1.836 1.906 1.951 1.975 1.985 1.987 1.988 1.995 2.011 24 1.838 1.910 1.959 1.989 2.005 2.014 2.021 2.032 2.051 25 1.854 1.913 1.958 1.986 2.008 2.022 2.038 2.061 2.093 26 1.890 1.___ 1.998 2.034 2.062 2.087 2.113 2.147 2.191 27 1.949 2.___ 2.040 2.087 2.125 2.162 2.204 2.253 2.313 28 2.031 2.___ 2.131 2.177 2.___ 2.270 2.324 2.387 2.462 29 2.12_ 2.___ 2.231 2.2_4 2.___ 2.399 2.465 2.540 2._27 30 2.245 2.___ 2.___ 2.4__ 2.490 2.580 2._38 2.726 2.827 31 2.378 2.___ _.___ 2.607 2.883 2.784 2.853 2.953 3.067 32 2.516 2.___ _._9_ 2.732 2.374 2.973 3.080 3.199 3.331 33 2.837 2.___ _.___ 2.970 3.084 3.204 3.332 3.471 3._24 34 2.750 2.896 3.039 3.179 3.320 3.485 3.618 3.783 3.962 35 2.880 2.084 3.240 3.412 3.5_1 3.751 3.928 4.115 4.315 36 2.987 3.217 3.43_ 3._33 3._3_ 4.029 4.226 4.430 4._47 37 3.137 3.403 3.853 3.890 4.115 4.333 4.550 4.772 5.004 38 3.318 3.661 3.922 4.191 4.443 4.681 4.913 5.145 5.384 39 3.531 3.913 4.255 4.559 4.832 5.081 5.314 5.542 5.775 40 3.77_ 4.215 4.801 4.938 5.233 5.498 5.738 5.970 6.208 41 3.998 4.487 4.913 5.281 5.599 5.878 6.130 6.371 6.615 42 4.218 4.788 5.239 5.640 5.980 6.275 6.540 6.792 7.049 43 4.43_ 5.032 5.542 5.972 8.337 6.652 6.938 7.213 7.496 44 4.652 5.291 5.834 6.293 6.682 7.024 7.341 7.657 7.988 45 4.877 5.587 6.137 6.626 7.043 7.414 7.762 8.111 8.481 46 5.089 5.810 6.430 6.959 7.418 7.830 8.222 8.618 9.039 47 5.298 6.085 6.766 7.349 7.855 8.312 8.746 9.184 9.648 48 5.497 6.378 7.131 7.783 8.34_ 8.855 9.532 9.807 10.304 49 5.704 6.671 7._1_ 8.239 8._71 9.432 9.954 10.465 10.993 50 5.903 6.962 7.919 8.723 9.418 10.028 10.584 11.124 11.677 51 6.103 7.2__ _._11 9.191 9.948 10.608 11.209 11.786 12.377 52 6.309 7.596 _.704 9.849 10.456 11.180 11.798 12.414 13.048 53 6.521 7.892 9.0__ 10.082 10.910 11.650 12.328 12.990 13.681 54 6.747 8.185 9.___ 10.442 11.323 12.098 12.818 13.534 14.293 55 6.976 8.466 9.7_4 10.838 11.747 12.553 13.312 14.083 14.915 56 7.249 8._27 10.154 11.259 12.195 13.027 13.820 14.641 15.541 57 7.558 9.212 10.592 11.755 12._98 13.556 14.384 15.253 1_.222
_ _.___ _.___ _.___ _.___ _.___ _.___ _.___ __ _ _.___ _.___ _.___ _.___ _.___ _.___ _.___ __ 5 _.___ 1.403 1.480 1.557 1.625 1.87_ 1.721 20 6 _._03 1.480 1.557 1.625 1.673 1.721 1.836 21 7 1.480 1.557 1.625 1.673 1.721 1.___ 1.915 22 8 1.557 1.625 1.673 1.721 1.836 1.___ 1.962 23 9 1.625 1.673 1.721 1._36 1.915 1.___ 1.982 24 10 1.673 1.721 1.836 1.915 1.9_2 1.___ 1.982 25 11 1.721 1.83_ 1.915 1.9_2 1.982 1.___ 1.982 26 12 1.836 1.915 1.962 1.982 1.982 1.___ 1.982 27 13 1.915 1.962 1.982 1.982 1.982 1.___ 1.982 28 14 1.962 1.982 1.982 1.982 1.982 1.___ 1.982 29 15 1.982 1.982 1.982 1.982 1.982 1.___ 1.982 30 16 1.982 1.982 1.982 1.982 1.982 1.982 1.982 31 17 1.982 1.982 1.982 1.982 1.982 1.982 2.003 32 18 1.982 1.982 1.982 1.982 1.982 2.003 2.031 33 19 1.982 1.982 1.982 1.982 2.003 2.031 2.061 34 20 1.982 1.982 1.982 2.003 2.031 2.061 2.093 35 21 1.982 1.982 2.003 2.031 2.061 2.093 2.167 36 22 1.983 2.006 2.038 2.077 2.120 2.167 2.171 37 23 2.036 2.071 2.113 2.159 2.206 2.254 2.318 38 24 2.080 2.121 2.174 2.239 2.317 2.40_ 2.488 39 25 2.139 2.198 2.273 2.360 2.460 2.570 2.676 40 26 2.250 2.324 2.415 2.521 2.642 2.776 2._84 41 27 2.389 2.480 2.588 2.712 2.850 3.001 3.110 42 28 2.553 2.660 2.783 2.920 3.070 3.230 3.378 43 29 2.728 2.84_ 2.931 3.134 3.305 3.493 3.872 44 30 2.943 3.075 3.225 3.394 3.582 3.780 4.008 45 31 3.197 3.344 3.509 3._92 3.894 4.114 4.351 46 32 3.478 3.841 3.823 4.023 4.243 4.4__ 4.744 47 33 3.791 3.976 4.180 4.404 4.648 4.912 5.169 48 34 4.158 4.371 4._01 4.845 5.100 5.363 5.883 49 35 4.534 4.770 5.024 _.29_ 5.575 5.__9 6.211 50 36 4.881 5.134 5.407 5.698 8.005 6.325 6._6_ 51 37 5.252 5.519 5.808 6.113 6.448 6.793 7.09_ 52 38 5.638 5.913 6.213 6.541 6.898 7.285 7.805 53 39 6.023 6.297 6.608 _.963 7.370 7.833 8.160 54 40 6.457 6.739 7.085 7.447 7.894 8.413 8.808 55 41 6.876 7.172 7.519 7.929 8.414 8.980 9.487 56 42 7.328 7.645 8.018 8.457 8.978 9.585 10.203 57 43 7.805 8.155 3.582 9.038 9.587 10.221 10.557 58 44 8.351 8.754 9.202 9.897 10.239 10.827 11.496 59 45 8.884 9.326 9.809 10.328 10.882 11.4__ 12.103 60 46 9.495 9.993 10.5_1 11.104 11.706 12.334 12.987 61 47 10.150 10._98 11.289 11.920 12.584 13.277 1_.950 62 48 10.841 11.427 12.0__ 12.7_2 13.506 14.298 15.045 63 49 11.581 12.185 12.877 13.841 14.479 15.___ 16.256 64 50 12.275 12.940 13.690 14.538 15.487 16.539 17.548 65 51 13.015 13.732 14.549 15.484 16.545 17.735 18.905 66 52 13.738 14.520 15.420 1_.457 17.642 18.981 20.294 67 53 14.441 15.305 16.302 17.452 18.788 20.249 21.732 68 54 15.137 16.099 17.206 1_.47_ 19.920 21._4_ 23.12_ 69 55 15.849 16.919 18.147 19.551 21.139 22.___ 24.571 70 56 16.565 17.744 19.101 20.847 22.392 24.339 2_.243 71 57 17.338 1_.833 20.127 21._3_ 23.756 25._9_ 2_.104 72
__ _.___ _.___ _.___ _.___ _.___ _.___ _.___ _.___ 59 _.___ _.___ _.___ 7.917 _.___ 8.719 9.095 9.550 60 _.___ 7.___ _.___ _.___ _.___ 9.262 9.646 10.127 61 _.___ 7.___ _.___ 9.0__ 9.517 9.930 10.349 10.869 62 6.993 8.1__ _.___ 9.664 10.191 10.637 11.092 11.664 63 7._87 8.__7 _.___ 10.380 10.917 11.389 11.878 12.506 64 8.021 9.336 10._62 11.130 11.715 12.214 12.751 13.464 65 _.___ 10.034 11.139 11.961 12.582 13.116 13.701 14.490 66 9.220 10.729 11.899 12.776 13.449 14.042 14.704 15.604 67 9.880 11.399 12.808 13.552 14.316 15.022 15.820 16.886 68 10.592 12.062 13.295 14.327 15.229 16.108 17.107 18.399 69 11.360 12.749 14.005 15.148 16.229 17.336 18.592 20.163 70 12.183 13.452 14.722 15.996 17.299 18.636 20.256 22.160 71 13.002 14.392 15.777 17.161 18.572 20.073 21.780 23.869 72 13.890 15.415 16.923 18.425 19.951 21.574 23.429 25.718 73 14.842 16.508 1_.151 19.777 21.422 23.174 25.187 27.693 74 15.755 77.559 1_.__9 21.068 22.837 24.637 26.724 29.333 75 __.___ 1_.5__ __.___ __.1_8 23.971 25.867 28.048 30.810
__ __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___ __ 59 10.161 11.__6 12.159 13.635 1_.___ 18.049 20.94_ __.___ 74 60 10.785 11.__0 12.897 14.6_9 1_._75 19.595 22.35_ 2_._4_ 75 61 11.594 12.627 14.068 16.002 1_._01 21._10 2_._5_ __.7__ 76 62 12.470 13.630 15.258 17.454 20.296 23.845 28.124 __.1__ 77 63 13.405 14.711 16.554 19.046 22.278 26.313 31.182 3_.___ 78 64 14.501 16.007 18.115 20.935 24.650 29.011 34.34_ 40.79_ 79 65 15.646 17.329 19.684 22.833 2_.___ 31.850 37.607 45._05 80 66 16.922 18.835 21.511 25.092 29.___ 35.369 42.179 50.246 81 67 18.412 20.595 23.625 27.666 32.853 39.281 46.998 5_.052 82 68 20.185 22.677 26.090 30.619 36.428 43.635 52.30_ 62.41_ 83 69 22.252 25.090 28.917 33.961 40.422 48.447 58.121 69.70_ 84 70 24.602 27.826 32.103 37.697 4_.84_ 53.736 64.475 77._72 85 71 26.573 30.176 34.98_ 41.313 49.420 59.522 71.739 87.008 86 72 28.713 32.739 38.149 45.292 54.474 65.935 79._12 97.171 87 73 31.003 35.490 41._58 49.600 59.966 72.9_5 88.63_ 109._70 88 74 32.822 37.631 44.248 53.159 64.609 79.549 97.385 120._42 89 75 34.553 39.769 46.995 56.768 69.573 85.790 105.637 130.915 90 13_.377 91 141.967 92 149.564 93 161.11_ 94 17_._74 95 __4.72_ 96 _7_.__4 97 ___.725 98 _2_.782 99
__ __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___ __ 10.1__ 13.048 15.440 17.380 18.994 20.440 21.900 23.554 25.573 __ 10.708 13.829 16.381 18.4_9 20.138 21.651 23.174 24.905 27.034 __ 11.474 14.817 17.548 19.748 21.558 23.165 24.778 26.614 28.879 __ 12.307 15.814 18.898 21.032 22.968 24.694 26.429 28.403 30.838 __ 13.203 16.913 19.962 22.425 24.463 26.284 28.126 30.235 32.851 __ 14.176 18.170 21.408 23.991 26.109 27.995 29.917 32.148 34.947 __ 15.231 19.473 22.89_ 25.606 27.824 29.808 31.850 34.244 37.268 __ 16.329 20.711 24.268 27.1_4 29.494 31.651 33.898 36.541 39.869 __ 17.506 21.___ 25.452 28.477 31.100 33.574 36.178 39.205 42.940 __ 18.757 22.___ 26.502 29.746 32.744 35.690 38.815 42.368 46.611 __ 20.08_ 2_.___ 27.545 31.865 34.539 38.085 41.858 46.047 50.874 __ 21.475 24.___ __.541 32.__4 36.428 40.894 45.236 50.168 55.654 __ 22._2_ 2_.___ 30.422 34.543 38.888 43.464 48.337 53.622 59.501 __ 24.265 2_.___ 32.412 38.___ 41.508 46.421 51.651 57.322 63.825 __ 25.784 3_.___ 34.___ 39.283 44.256 49.524 55.129 61.202 67.947 __ 27.117 3_.___ 36.559 41.375 46.532 52.137 57.951 64.207 71.134 __ 28.197 3_.___ 37.745 42.925 4_._53 54.043 60.061 66.553 73.760
__ __.___ __.___ __.___ __.___ __.___ __.___ __.___ __ __ __.___ __.___ __.___ __.___ __.___ __.___ __.___ __ __ __.726 33.116 37.302 42.349 48.294 55.151 62.574 75 __ 31.759 35.402 39.923 45.398 51.872 59.664 67.573 76 __ 33.933 37.857 42.740 46.674 55.713 6_.381 72.961 77 __ 36.190 40.434 45.727 52.165 59.809 68.___ 78.804 78 __ 38.548 43.145 48.885 55.870 64.158 73.772 84.938 79 __ 41.168 46.146 52.356 59.901 68.839 79.1_3 91.156 80 __ 44.141 49.575 56.335 64.543 74.2_7 85.556 98.195 81 __ 47.646 53.556 60.860 69.704 80.183 92.340 103.816 82 __ 51.804 58.195 66.012 75.442 86.621 99.522 113.919 83 __ 56.589 63.460 71.758 81.726 93.556 107.380 123.125 84 __ 61.931 69.288 78.048 8_.520 100.972 115.___ 133.229 85 __ 66.223 74.097 83.484 94.661 107.967 123.___ 142.426 86 __ 70.825 79.252 89.271 101.242 115.462 132.111 152.262 87 __ 75.645 84.647 95.543 10_.115 123.263 141.0_9 16_.693 88 __ 79.059 88.406 99.659 113.305 129.751 149.000 173.296 89 __ 82.028 91.797 103.563 117.825 134.999 155.___ 180.324 90 1__.406 91 192.504 92 201.167 93 214.953 94 228.736 95 271.263 96 ___.366 97 543.694 98 ___.878 99
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 --- ----- ------ ------ ------ ------ ------ ------ ------ ------ 0 _._07 1.692 1.461 1.403 1.34_ 1.298 1.250 1.211 1.182 1 1.692 1.481 1.403 1.346 1.29_ 1.250 1.211 1.182 1.163 2 1.461 1.403 1.346 1.298 1.250 1.211 1.182 1.163 1.163 3 1.403 1.346 1.29_ 1.250 1.211 1.182 1.163 1.163 1.182 4 1.34_ 1.298 1.250 1.211 1.182 1.163 1.163 1.182 1.211 5 1.298 1.250 1.211 1.182 1.163 1.163 1.182 1.211 1.269 6 1.250 1.211 1.182 1.163 1.163 1.182 1.211 1.269 1.336 7 1.211 1.1_2 1.163 1.163 1.182 1.211 1.269 1.336 1.403 8 1.182 1.1_3 1.163 1.1_2 1.211 1.2_9 1.336 1.403 1.480 9 1.163 1.1_3 1.182 1.211 1.269 1.336 1.403 1.480 1.557 10 1.163 1.1_2 1.211 1.2_9 1.336 1.403 1.480 1.557 1.625 11 1.182 1.211 1.269 1.33_ 1.403 1.480 1.557 1.625 1.673 12 1.211 1.2__ 1.___ 1.403 1.480 1.557 1.625 1.673 1.721 13 1.289 1.___ 1.___ 1.4__ 1._57 1.625 1.673 1.721 2.019 14 1.___ 1.___ 1.___ 1.__7 1._2_ 1.673 1.721 2.019 2.122 15 1.40_ 1.___ 1.557 1.___ 1._73 1.721 2.019 2.122 2.185 16 1.480 1.___ 1.6_5 1._7_ 1.721 2.019 2.122 2.185 2.215 17 1._57 1.___ 1._7_ 1.721 2.019 2.122 2.18_ 2.216 2.224 18 1._25 1.___ 1.7__ 2.019 2.122 2.1_5 2.21_ 2.224 2.224 19 1.673 1.721 _____ 2.122 2.185 2.216 2.224 2.224 2.224 20 1.721 2._19 2.1__ 2.1_5 2.21_ 2.224 2.224 2.224 2.224 21 2.019 2.122 2.18_ 2.216 2.224 2.224 2.224 2.224 2.224 22 1.99_ 2.099 2.165 2.199 2.211 2.211 2.211 2.211 2.22_ 23 1.999 2.092 2.153 2.189 2.207 2.215 2.224 2.239 2.264 24 1.992 2.0_7 2.153 2.196 2.222 2.2_8 2.251 2.269 2.295 25 2.133 2.218 2.279 2.319 2.345 2.3_3 2.380 2.403 2.439 26 2.150 2.237 2.304 2.3_4 2.391 2.422 2.454 2.493 2.545 27 2.200 2.274 2.33_ 2.394 2.444 2.493 2.546 2.607 2.682 28 2.28_ 2.355 2.422 2.485 2.54_ 2.609 2.678 2.758 2.854 29 2.382 2.453 2.525 2.597 2.671 2.750 2.836 2.933 3.04_ 30 2._03 2.___ 2._6_ 2.752 2._39 2.932 3.034 3.150 3.282 31 2.640 2.7__ 2._51 2.951 3.052 3.160 3.278 3.411 3.562 32 2.780 2.9__ 3.01_ 3.137 3.260 3.391 3.534 3.693 3.869 33 2.___ _.___ 3.18_ 3.3_6 3.48_ 3.647 3.819 4.005 4.210 34 2.99_ _.___ 3.372 3.5_6 3.742 3.935 4.140 4.362 4._0_ 35 3.11_ _.___ 3._79 3.802 4.023 4.250 4.486 4.739 5.013 36 3.___ _.___ 3._50 4.121 4.384 4._46 4.913 5.194 5.495 37 3._77 _____ 4.16_ 4.4_2 4.78_ 5.0_8 5.390 5.700 6.028 38 3.729 4.1__ 4.549 4.920 5.269 5.604 5.932 6.264 6.609 39 4.029 4.___ _.___ 5.462 5.849 6.206 6.54_ 6.877 7.220 40 4.381 5.___ _._51 6.035 _.4_2 6.848 7.20_ 7.5_3 7.907 41 4._14 5.299 _.90_ 6.432 _._9_ 7.311 7.695 8.068 8.453 42 4.843 5.___ _.27_ 6.84_ 7._51 7.797 8.211 8.617 9.042 43 5._7_ 5.894 _._11 7.232 7.773 8.259 8.71_ 9.173 9.660 44 5.295 6.174 _.939 7._02 8.815 8.719 9.238 9.775 10.362 45 5.53_ 6.471 7.287 7.997 8.629 9.215 9.795 10.405 11.080 46 5._07 6.804 7._82 8.4_4 9.148 9.799 10.447 11.132 11.890 47 _.077 7.178 8.14_ 9.003 9.771 10.492 11.209 11.965 12.798 48 6.347 7.581 8.671 9.633 10.496 11.300 12.089 12.909 13.804 49 6.__1 8.011 9.236 10.321 11.292 12.189 13.05_ 13.942 14.895 50 6.915 8.47_ 9.3_0 11.077 12.157 13.141 14.07_ 15.021 16.027 51 7.177 8.___ 10.427 11.7_3 12.943 14.012 15.021 16.033 17.112 52 7.449 9.___ 11.001 12.443 1_.707 14.844 15.917 16.996 18.157 53 7.731 9.7__ 11.53_ 13.063 14._9_ 15.539 1_.72_ 17.882 19.144 54 _.03_ 10.1__ 12.05_ 13.651 1_.032 16.2_9 17.448 18.6_0 20.002 55 _.3__ 10.___ 12._9_ 14.251 1_.___ 16.951 18.18_ 19.487 20.962 56 _.71_ 11.1__ 13.165 14.372 1_._2_ 17.638 1_.92_ 20.302 21.901 57 9.131 11.___ 13._11 15._76 17._7_ 18.415 19.747 21.207 22.932 [X] [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------ -------- 0 1.163 1.163 1.1_2 1.211 1.2_9 1.___ 1.403 15 1 1.163 1.182 1.211 1.269 1.336 1.___ 1.480 16 2 1.182 1.211 1.269 1.33_ 1.403 1.4__ 1._57 17 3 1.211 1.269 1.33_ 1.403 1.480 1._57 1._25 18 4 1.269 1.336 1.40_ 1.480 1.557 1._2_ 1._75 19 5 1.336 1.403 1.480 1.557 1.625 1._7_ 1.721 20 6 1.403 1.480 1.557 1._25 1.673 1.721 2.019 21 7 1.480 1.557 1.625 1._73 1.721 2.019 2.122 22 8 1.557 1._25 1.673 1.721 2.019 2.122 2.1_5 23 9 1.625 1.673 1.721 2.019 2.122 2.1_5 2.21_ 24 10 1.673 1.721 2.019 2.122 2.1_5 2.216 2.224 25 11 1.721 2.019 2.122 2.185 2.216 2.224 2.224 26 12 2.019 2.122 2.1_5 2.216 2.224 2.224 2.224 27 13 2.122 2.185 2.216 2.224 2.224 2.224 2.224 28 14 2.185 2.21_ 2.224 2.224 2.224 2.224 2.224 29 15 2.216 2.224 2.224 2.224 2.224 2.224 2.236 30 16 2.224 2.224 2.224 2.224 2.224 2._3_ 2.264 31 17 2.224 2.224 2.224 2.224 2.2_6 2.__4 2.299 32 18 2.224 2.224 2.224 2.236 2.2_4 2.___ 2._39 33 19 2.224 2.224 2.23_ 2.264 2.299 2.___ 2.382 34 20 2.224 2.23_ 2.2_4 2.299 2.3_9 2.__2 2.425 35 21 2.236 2.264 2.299 2.339 2.382 2.42_ 2._00 36 22 2.247 2.283 2.327 2.360 2.438 2.___ 2._92 37 23 2.301 2.349 2.406 2.467 2.5_0 2.___ 2.778 38 24 2.334 2.3__ 2.4_8 2.54_ 2.653 2.775 2.899 39 25 2.490 2.559 2.646 2.751 2.870 _.00_ 3.135 40 26 2.615 2.705 2.816 2.947 3.096 3.262 3.397 41 27 2.776 2._91 3.027 3.183 3.3_6 3._45 3._84 42 28 2.970 3.107 3.2_4 3.440 3.630 _._33 4.023 43 29 3.177 3.330 3.505 3.703 3.923 4.16_ 4.400 44 30 3.434 3._07 3.804 4.024 4.270 4._39 4.829 45 31 3.734 3.929 4.148 4.391 4.659 4.952 5.273 46 32 4.067 4.287 4.531 4.802 5.098 5.422 5.782 47 33 4.438 4.689 4.967 5.273 5.608 5.972 6.335 48 34 4.873 5.16_ 5.4_2 5._21 6.178 _._51 6.980 49 35 5.313 5._40 5.994 6.374 6.77_ 7.198 7.699 50 36 5.823 6.179 6.566 6.9_1 7.423 7.___ 8.39_ 51 37 6.380 6.76_ 7.178 7.62_ 8.110 _._22 9.081 52 38 6.977 7.377 7._1_ _.29_ 8.82_ 9.400 9.894 53 39 7.588 7.995 8.4_8 _.989 9.598 1_.290 10._04 54 40 8.288 8.71_ 9.210 9.790 10.469 11.25_ 11.880 55 41 8.872 9.350 9.913 10._83 11.37_ 12._0_ 1_.17_ 56 42 9.513 10.057 10.702 11.473 12.390 13.463 14._0_ 57 43 10.206 10._40 11.5_9 12.477 13.521 14.733 1_.022 58 44 11.026 11.786 12._58 1_._53 14.773 1_._2_ 17.508 59 45 11.845 12.719 13.712 14.830 16.073 17.442 19.034 60 46 12.747 13.720 14.517 16.040 17.367 1_._5_ 20.495 61 47 13.737 14.801 15.999 17.334 18.803 20.404 22.102 62 48 14.807 15.947 17.239 1_._9_ 20.311 22.09_ 23.939 63 49 15.960 17.172 18.5_0 20.142 21.927 23.92_ 25.979 64 50 17.150 18.43_ 19.930 21.655 23.630 25.862 2_.160 65 51 18.323 19.727 21.374 2_._0_ 25.538 2_._90 3_.770 66 52 19.474 21._1_ 22.849 2_.013 27.541 30.44_ 33.497 67 53 20.595 22._09 24.354 2_.77_ 29.617 32.___ 3_._22 68 54 21.569 23.455 25.743 2_.505 31.794 3_.641 39.77_ 69 55 22.716 24._48 27.443 30.573 34.269 3_._21 43.13_ 70 56 23.831 2_.194 29.077 32.5_0 __.__1 41.___ 4_.581 71 57 25.046 27._57 30._54 34.707 39.2_4 44.___ 50.45_ 72
58 _____ _.783 1_.14_ 11._33 12.110 12._39 13.70_ 14.717 16.093 59 7.588 9.451 1_.___ 1_.___ 13.040 13.867 14.746 15.858 17.393 60 8.1__ 10.1_7 1_.___ 1_.___ 14.090 14.965 15.___ 17.068 18.712 61 _.791 11.___ 1_.___ 1_.___ 1_._3_ 16.___ __._1_ 18.566 20.349 62 _.__4 11.___ 1_.___ 1_._15 1_._1_ 17._71 1_._79 20.180 22.129 63 10.__1 12.9_9 1_.___ __._1_ 1_.01_ 19.154 20.35_ 21.887 24.021 64 11.___ 14.13_ 1_.___ __.___ 19._72 20.7__ __.066 23.719 26.047 65 1_.___ 15.370 17.___ 1_.__5 21.240 22.54_ 23.943 25.759 28.323 66 1_.___ 16.592 1_.___ __._7_ 22.90_ 24.357 25.941 27.992 30.868 67 14.___ 17.7__ __.___ __._1_ 2_._67 26._91 2_.186 30.593 33.880 68 1_._1_ 1_._91 21.___ __.13_ 2_.31_ 28.450 30.802 33.697 37.501 69 16.947 20.059 2_.___ __._47 2_.25_ 30.916 33.853 37.350 41.760 70 1_.__2 21.241 24.1__ __.___ 3_._34 3_.652 37._04 41.522 46.630 71 1_._09 22.951 2_.1__ 2_.496 32.932 36.570 40._71 45.187 50.768 72 21.365 24._06 2_.___ _1._85 3_.756 39.749 44.137 49.192 55.293 73 23.036 26._00 30.674 34.661 3_.794 43.17_ 47.975 53.501 60.159 74 24.5_3 28.663 32._57 __.167 41.612 46.277 51.34_ 57.132 64.085 75 25.959 30.256 34._92 __._29 43.918 48.842 54.201 60.327 67.703
58 18.006 20.623 24.087 28.515 33.992 40.565 47.962 73 59 19.539 22.467 26.321 31.207 37.193 44.__9 52.546 74 60 21.034 24.232 28.469 3_._73 40.5__ 48.4__ 57._47 75 61 22.875 26.362 30.995 36.920 44.2_2 52.984 63.1__ 76 62 24.888 28.697 33.765 40.255 48.2_1 57.399 69.1__ 77 63 27.043 31.217 36.772 43.___ _2.___ __.228 75.___ 78 64 29.358 3_.936 40.028 47._2_ _7.456 __.937 __.___ 79 65 31.964 3_.9_9 43.660 52.176 __.___ __.235 __.___ 80 66 34.926 40.499 47.873 57.274 __._55 __._94 __.___ 81 67 38.427 44.594 52.699 63._00 75.677 __._25 10_.___ 82 68 42.606 49.402 58.249 69.44_ __.21_ 99._77 118.__1 83 69 47.481 54.936 64.529 76.619 _1.476 109.256 130._60 84 70 53.030 61.177 71.531 84.51_ 100.474 119._95 143.317 85 71 57.750 66.624 77.891 92.010 109.349 130.121 155._9_ 86 72 62.192 72.581 84.844 100.201 119.050 141._23 169._07 87 73 68.458 78.976 92.300 108.975 129.434 153.927 1_5.623 88 74 72.787 83.916 98.186 116.272 138.728 165.884 200.057 89 75 76.947 88.777 103.942 123.150 146.973 175.750 211.925 90 221.189 91 230.639 92 243.4__ 93 262._26 94 282.597 95 335.746 96 455.874 97 642.451 98 961.538 99
[X] [X]+0 [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 --- ------ ------ ------ ------ ------ ------ ----- ------ 0 _.__7 1.___ 1.__1 1.403 1.348 1.298 1.250 1.211 1 1.692 1.4_1 1.403 1.346 1.298 1.250 1.211 1.182 2 1.461 1.403 1._46 1.298 1.250 1.211 1.182 1.163 3 1.403 1.34_ 1.298 1.250 1.211 1.182 1.163 1.163 4 1.346 1.298 1.250 1.211 1.182 1.163 1.163 1.182 5 1.298 1.250 1.211 1.182 1.163 1.163 1.182 1.211 6 1.250 1.211 1.182 1.1_3 1.163 1.182 1.211 1.269 7 1.211 1.182 1.163 1.1_3 1.182 1.211 1.269 1.336 8 1.182 1.1_3 1.163 1.182 1.211 1.269 1.336 1.403 9 1.163 1.1_3 1.182 1.211 1.269 1.336 1.403 1.480 10 1.163 1.182 1.211 1.269 1.336 1.403 1.480 1.557 11 1.182 1.211 1.269 1.336 1.403 1.480 1.557 1.625 12 1.211 1.2_9 1.336 1.403 1.480 1.557 1.625 1.673 13 1.269 1.336 1.403 1.4__ 1.557 1.625 1.673 1.721 14 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.400 15 1.403 1.400 1.557 1.625 1.673 1.721 1.400 1.449 16 1.480 1.5_7 1._25 1.673 1.721 1.400 1.449 1.479 17 1.557 1.6__ 1._7_ 1.721 1.400 1.449 1.479 1.492 18 1.625 1.673 1.721 1.400 1.449 1.479 1.492 1.494 19 1.673 1.7_1 1.___ 1.449 1.479 1.492 1.494 1.494 20 1.721 1.___ 1.___ 1.479 1.492 1.494 1.494 1.494 21 1.400 1.___ 1.___ 1.492 1.494 1.494 1.494 1.494 22 1.402 1.4__ 1.___ 1.498 1.502 1.502 1.502 1.502 23 1.420 1.404 1.493 1.509 1.515 1.517 1.518 1.520 24 1.433 1.478 1._09 1.529 1.540 1.546 1.550 1.556 25 1.456 1.4_9 1._11 1.525 1.533 1.___ 1.542 1.549 26 1.489 1.522 1._47 1.5_5 1.577 1.587 1.597 1.611 27 1.537 1.5_5 1._88 1.608 1.62_ 1.643 1.662 1.6_3 28 1.600 1.627 1._52 1.674 1.696 1.719 1.744 1.773 29 1.671 1.698 1.724 1.7_1 1.778 1.807 1.838 1.873 30 1.75_ 1.7_4 1._15 1.846 1.878 1.912 1.949 1.990 31 1.636 1.879 1.919 1.957 1.995 2.034 2.077 2.125 32 1.923 1.971 2.017 2.064 2.111 2.___ 2.213 2.271 33 1.99_ 2.0_9 2.11_ 2.177 2.236 2.297 2.361 2.430 34 2.070 2.150 2.22_ 2.300 2.374 2.449 2.527 2.609 35 2.152 2.251 2.346 2.436 2.525 2.613 2.704 2.798 36 _.___ 2.___ 2.___ 2.57_ 2.680 2.781 2.883 2.989 37 2.324 2.4_7 2.__1 2.727 2.847 2.963 3.078 3.194 38 2.439 2.6__ 2.751 2.906 3.040 3.168 3.293 3.417 39 2.570 2.773 2.___ 3.119 3.2__ 3.401 3.528 3.653 40 2.718 2.9_0 _.___ 3.___ 3.49_ 3.640 3.775 3.906 41 2.853 3.11_ _.___ 3.___ 3.71_ 3.872 4.017 4.157 42 2.99_ 3.2_7 _.___ 3.7__ 3.944 4.112 4.267 4.420 43 3.136 3.4_9 3.720 3.954 4.15_ 4.340 4.510 4.681 44 3.275 _.___ _____ 4.14_ 4.3_4 4.563 4.756 4.955 45 3.419 3.773 _._79 4.345 4._7_ 4.7__ 5.007 5.232 46 3.571 3.9__ _._77 4.565 4._22 5.062 5.302 5.557 47 3.723 4.1_7 _._99 4.81_ 5.100 5.365 5.631 5.915 48 3.375 4.___ 4.739 5.093 5.409 5.703 5.994 6.304 49 4.___ 4.___ 4._91 5.3_5 5.73_ 6.060 6.378 6.712 50 4.___ _.___ _.___ 5.693 6.07_ 6.426 6.765 7.120 51 4.___ 4.999 _.__1 6.029 6.447 6.825 7.188 7.567 52 4._50 5.2__ _._51 6.3_7 6._1_ 7.213 7.597 8.000 53 4.4_1 5.4_4 _.139 6.__5 7.153 7.571 7.975 8.406 54 4.944 5.743 _._21 6.990 7.474 7.908 8.332 8.795 55 5.152 6.034 _.71_ 7.307 7._04 8.250 8.693 9.187 56 5.420 6.339 7.100 7.724 8.245 8.712 9.180 9.712 57 5.71_ 6.711 7._2_ 8.1_7 8.734 9.222 9.717 10.287 [X] [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------ ------- -------- 0 1.182 1.163 1.163 1.182 1.211 1.269 1.336 _.___ 15 1 1.163 1.163 1.182 1.211 1.269 1.336 1.403 _.___ 16 2 1.163 1.182 1.211 1.269 1.336 1.403 1.480 _.___ 17 3 1.182 1.211 1.269 1.336 1.403 1.480 1.557 _.___ 18 4 1.211 1.269 1.336 1.403 1.480 1.557 1.625 _.___ 19 5 1.269 1.336 1.403 1.480 1.557 1.625 1.673 1.721 20 6 1.336 1.403 1.480 1.557 1.625 1.673 1.721 1.400 21 7 1.403 1.480 1.557 1.625 1.67_ 1.721 1.400 1.449 22 8 1.480 1.557 1.625 1.673 1.721 1.400 1.449 1.479 23 9 1.557 1.625 1.673 1.721 1.400 1.449 1.479 1.492 24 10 1.625 1.673 1.721 1.400 1.449 1.479 1.492 1.494 25 11 1.673 1.721 1.400 1.449 1.479 1.492 1.494 1.494 26 12 1.721 1.400 1.449 1.479 1.492 1.494 1.494 1.494 27 13 1.400 1.449 1.479 1.492 1.494 1.494 1.494 1.494 28 14 1.449 1.479 1.492 1.494 1.494 1.494 1.494 1.494 29 15 1.479 1.492 1.494 1.494 1.494 1.494 1.494 1.494 30 16 1.492 1.494 1.494 1.494 1.494 1.494 1.494 1.494 31 17 1.494 1.494 1.494 1.494 1.494 1.494 1.494 1.494 32 18 1.494 1.494 1.494 1.494 1.494 1.494 1.494 1.494 33 19 1.494 1.494 1.494 1.494 1.494 1.494 1.494 1.494 34 20 1.494 1.494 1.494 1.494 1.494 1.494 1.494 1.494 35 21 1.494 1.494 1.494 1.494 1.494 1.494 1.494 1.527 36 22 1.502 1.502 1.502 1.504 1.512 1.519 1.527 1.___ 37 23 1.526 1.535 1.547 1.559 1.571 1.5_1 1.583 1.___ 38 24 1.564 1.576 1.591 1.609 1.632 1.657 1.68_ 1.___ 39 25 1.562 1.581 1.608 1.641 1.681 1.726 1.776 1._11 40 26 1.629 1.655 1.689 1.7_1 1.780 1.854 1.894 1.92_ 41 27 1.711 1.745 1.788 1.837 1.894 1.955 2.022 2.___ 42 28 1.807 1.849 1.899 1.955 2.01_ 2.082 2.151 2.199 43 29 1.913 1.960 2.013 2.074 2.142 2.216 2.296 2._57 44 30 2.037 2.090 2.150 2.216 2.289 2.3_9 2.456 2._33 45 31 2.179 2.239 2.307 2.3_1 2.4_2 2.549 2.643 2.731 46 32 2.334 2.404 2.480 2.564 2.854 2.751 2.856 2.___ 47 33 2.504 2.585 2.675 2.789 2.___ 2.982 3.101 3.200 48 34 2.698 2.794 2.897 3.007 3.121 3.239 3.359 3.482 49 35 2.899 3.007 3.123 3.246 3.375 3.5_9 3.646 3.794 50 36 3.100 3.219 3.347 3.434 3.629 3.780 3.937 4.___ 51 37 3.316 3.445 3.584 3.___ 3.695 4.065 4.244 4.___ 52 38 3.546 3.682 3.829 3.991 4.167 4.369 4.567 4.___ 53 39 3.782 3.919 4.072 4.245 4.444 4.673 4.93_ 5.___ 54 40 4.040 4.184 4.548 4.537 4.760 5.022 5.326 5.___ 55 41 4.302 4.481 4._4_ 4.857 5.112 5.415 5.770 6.___ 56 42 4.579 4.757 4.962 5.207 5.500 5.848 6.257 6.___ 57 43 4.863 5.0_8 5.307 5.590 5.927 6.324 6.786 7.___ 58 44 5.173 5.422 5.708 6.03_ 6.41_ 6.843 7.321 7.___ 59 45 5.482 5.767 6.096 6.47_ 6.900 7.377 7.905 _____ 60 46 5.843 6.172 6._50 6.983 7.472 8.016 8.616 9._77 61 47 6.235 6.604 7.031 7.523 8.082 8.708 9.400 10.135 62 48 6.652 7.056 7.530 8.___ 8.722 9.448 10.26_ 11.121 63 49 7.088 7.526 8.048 8.669 9.399 10.245 11.209 12.___ 64 50 7.520 7.994 8.568 9.2__ 10.102 11.067 12.227 ______ 65 51 7.997 8.511 9.144 9.922 10.___ 11.993 13.30_ 14.___ 66 52 8.462 9.024 9.725 10.597 11.__7 12.961 14.459 15.___ 67 53 8.909 9.530 10.313 11.293 __._01 13.955 15.665 17.___ 68 54 9.347 10.037 10.913 12.015 13.372 15.007 16.930 19.___ 69 55 9.790 10.555 11.535 12.772 14.29_ 16.136 18.29_ 20.___ 70 56 10.370 11.214 12.298 13.667 15.356 17._87 19.77_ ______ 71 57 11.003 11.9_1 13.129 14.646 16.518 18.7__ 21.41_ ______ 72
58 7.9__ 9.652 11.105 12.297 13.296 14.182 15.042 15.954 59 8.2__ 10.144 11.684 12.941 13.982 14.895 15.772 16.701 60 8._81 10.6_1 12.291 13.614 14.705 15.658 16.574 17.552 61 9.247 11.365 13.101 14.502 1_.649 16.646 17.606 18.642 62 9.857 12.076 13.8__ 15.372 16.582 17.637 18.661 19.779 63 10.609 12.855 14.770 16.309 17.567 18.665 19.744 20.946 64 11.214 13.726 16.748 17.345 18.639 19.777 20.925 22.246 65 11.971 14.___ 16.765 18.4_5 19.781 20.973 22.193 23.621 66 12.7__ 15._12 17.72_ 19.4_9 20.902 22.196 23.543 25.133 67 13._10 16.313 18.55_ 20.399 21.985 23.472 25.042 26.879 68 14.505 17.0__ 19.304 21.262 23.095 24.873 26.766 28.936 69 15.454 17.81_ 20.057 22.199 24._02 26.446 28.739 31.309 70 16.448 18.560 20.785 23.118 25.56_ 28.146 30.912 33.948 71 17.408 19.672 22.052 24.541 27.147 29.894 32.845 36.103 72 18.430 20.862 23.406 26.069 28.829 31.750 34.895 38.389 73 19.506 22.111 24.824 27.644 30.581 33.678 37.024 40.766 74 20.473 23.231 26.091 29.045 32.099 35.294 38.727 42.570 75 21.291 24.140 27.07_ 30.099 33.212 36.471 39.993 43.978
58 16.985 __.188 19.597 21.235 23.114 25.239 27.612 30.232 73 59 17.761 __.017 20.521 22.310 24.415 26.855 29.___ 32._50 74 60 18.682 __.039 21.682 23.658 __.998 28.721 31._37 35.085 75 61 19.861 21.362 23.189 25.426 __.100 31.232 34._29 36.659 76 62 21.111 22.763 24.820 27.349 30.392 33.974 38.10_ 42._0_ 77 63 22.405 24.242 26.554 29.414 32.872 36.954 41.670 40.675 78 64 23.890 25.980 28.607 31.831 35.679 40.158 45.2_1 51.045 79 65 25.418 27.719 30._22 34.193 36.468 43.451 49.147 5_.611 80 66 27.138 29.704 32.945 36.945 41.752 47.394 5_.87_ 61.074 81 67 29.156 32.030 35.632 40.071 45.423 51.757 59.0_7 67.08_ 82 68 31.549 34.768 38.747 43.627 49.522 56.515 64._51 7_._02 83 69 34.307 37.902 42.274 47.600 54.042 61.726 70.72_ 81.044 84 70 37.384 41.392 46.179 51.968 58.975 67.37_ 77.275 89.623 85 71 39.821 44.202 49.485 55.925 63.766 73.205 84.360 97.981 86 72 42.414 47.206 53.039 60.204 6_.975 79.575 92.134 107._0_ 87 73 45.118 50.351 56.780 64.735 74.523 86.395 100.497 11_.629 88 74 47.076 52.578 59.470 68.171 79.083 92.538 108.734 12_.975 89 75 48.714 54.576 61.999 71.441 83._34 98.060 115.7__ 137.891 90 142.352 91 146._35 92 15_._54 93 163._10 94 17_.752 95 ___._98 96 277._62 97 409.602 98 621._59 99
Suggested Reporting Details for Non-Universal Life Products: (a) Monthly Large Amount New Business Report: At the end of each month the Company shall send to North American Re a listing of those policies issued during the month where the total amount of reinsurance to be ceded to North American Re, including amounts previously ceded, exceeds $500,000. The listing shall indicate: i) policy number ii) full name of insured iii) date of birth iv) sex and issue age v) effective date vi) underwriting classification vii) plan viii) amount issued ix) amount reinsured (b) Quarterly Premium Report: At the end of each quarter the Company shall send North American Re a listing of all reinsured policies issued or renewing during the past quarter accompanied by the reinsurance premiums for such policies. The listing should be segregated into first year issues and renewals and should provide the following information: i) thru viii) in (a), above ix) current reinsured risk amount x) net reinsurance premium due for each reinsured policy with the premiums for life and each supplemental benefit separated EXHIBIT C (c) Quarterly Change Report: The Company shall report the details of all policy terminations and changes on reinsured policies. In addition to the data indicated in (a), above, the report should provide information about the nature, the effective date, and the financial result of the change with respect to the reinsurance. (d) Quarterly Policy Exhibit Report: A summary of new business, terminations, changes, death claims and reinstatements during the quarter and the inforce reinsurance at the end of the quarter. (e) Quarterly Reserve Report: The Company shall provide North American Re with a listing of the mean reserves attributable to the reinsured portion of each policy reinsured. (f) Annual Inforce Listing: Shortly after the close of the year, the Company shall furnish the North American Re with a listing of all inforce reinsured policies, providing items i) thru ix) in (a), above. (g) Claims: Shall be reported as incurred on an individual basis. EXHIBIT C (Continued) Suggested Reporting Details for Universal Life Products: (a) Monthly Large Amount New Business Report: At the end of each month the Company shall send to North American Re a listing of those policies issued during the month where the total amount of reinsurance to be ceded to North American Re, including amounts previously ceded, exceeds $500,000. The listing shall indicate: i) policy number ii) full name of insured iii) date of birth iv) sex and issue age v) effective date vi) underwriting classification vii) total initial risk amount viii) initial reinsured risk amount (b) Quarterly Premium Report: At the end of each quarter the Company shall send North American Re a listing of all reinsured policies that were inforce during any part of the quarter accompanied by the reinsurance premiums for such policies. The listing should be segregated into first year issues and renewals and should provide the following information: i) thru vii) in (a), above viii) reinsured risk amount at the end of the quarter ix) total net reinsurance premium due for each reinsured policy for the quarter EXHIBIT C (Continued) AUTOMATIC BINDING LIMITS TO THE REINSURANCE POOL LIFE A. Standard - Table 4 AGE AMOUNT --- ------ 0-70 $1,500,000 Each Pool Member ($4,500,000 Total Automatic Pool Coverage) 71-75 $750,000 Each Pool Member ($2,250,000 Total Automatic Pool Coverage) B. Table 5 - Table 16 AGE AMOUNT --- ------ 0-70 $1,500,000 CNA $1,500,000 AUL $750,000 North American ($3,750,000 Total Automatic Pool Coverage) 71-75 $750,000 Each Pool Member ($2,250,000 Total Automatic Pool Coverage) WAIVER OF PREMIUM DISABILITY An equal amount to that attaching to the face amount of Life coverage automatically reinsured. The total WPD that can be reinsured per life is $3,000,000. EXHIBIT G (c) Quarterly Change Report: The Company shall report the details of all policy terminations and changes, other than fluctuations in the reinsured risk amount due to changes in the cash value, on reinsured policies. In addition to the data indicated in (a), above, the report should provide information about the nature, the effective date, and the financial result of the change with respect to the reinsurance. (d) Quarterly Policy Exhibit Report: A summary of new business, terminations, changes, death claims and reinstatements during the quarter and the inforce reinsurance at the end of the quarter. (e) Quarterly Reserve Report: If the Company takes a reserve credit for reinsurance ceded under this Agreement, the Company shall provide North American Re with a quarterly listing of the mean reserves attributable to the reinsured portion of each policy reinsured. (f) Claims: Claims shall be reported individually as incurred. EXHIBIT C (Continued) CORPORATE RETENTION LIMITS OF THE CEDING COMPANY LIFE AGE AMOUNT --- ------ 0-70 $500,000 71+ $250,000 WAIVER OF PREMIUM DISABILITY An amount equal to that attaching to the face amount of Life coverage retained. EXHIBIT D CORPORATE RETENTION LIMITS OF THE CEDING COMPANY LIFE AGE AMOUNT --- ------ 0 - 70 $500,000 71 - 75 $250,000 76 + 0 NOTE: To avoid ceding minimal amounts of reinsurance, the Ceding Company shall retain any amount above its retention that does not exceed $100,000 for ages 0 through 70 or $50,000 for ages 71 and over. WAIVER OF PREMIUM DISABILITY An amount equal to that attaching to the face amount of Life coverage retained. EXHIBIT D JUMBO RISK Age Amount --- ------ 0-70 $7,500,000 71-75 $3,750,000 EXHIBIT E POOL MEMBERS AND APPLICABLE PERCENTAGES OF PARTICIPATION COMPANY PERCENTAGES ------- ----------- AMERICAN UNITED LIFE INSURANCE COMPANY 33-1/3 Indianapolis, Indiana CONTINENTAL ASSURANCE COMPANY 33-1/3 Chicago, Illinois NORTH AMERICAN REASSURANCE COMPANY 33-1/3 New York, New York EXHIBIT F AUTOMATIC BINDING LIMITS TO THE REINSURANCE POOL LIFE A. Standard - Table 4 AGE AMOUNT --- ------ 0-70 $1,125,000 Each Pool Member ($4,500,000 Total Automatic Pool Coverage) 71-75 $562,500 Each Pool Member ($2,250,000 Total Automatic Pool Coverage) B. Table 5 - Table 16 AGE AMOUNT --- ------ 0-70 $1,125,000 AUL $1,125,000 CNA $1,125,000 SLD $750,000 NARe ($4,125,000 Total Automatic Pool Coverage) 71-75 $562,500 Each Pool Member ($2,250,000 Total Automatic Pool Coverage) WAIVER OF PREMIUM DISABILITY An equal amount to that attaching to the face amount of Life coverage automatically reinsured. The total WPD that can be reinsured per life is $3,000,000. EXHIBIT G CONDITIONAL RECEIPT LIABILITY If the Ceding Company should become liable for a loss as the result of the issuance of its Conditional Receipt which is in excess of its maximum available retention for the risk, then the Pool agrees to be liable for such excess, subject to the amount limits in the following paragraph, provided: a. that the Conditional Receipt was issued in accordance with the Ceding Company's normal rules and procedures for its use, and b. that the risk would qualify for automatic reinsurance under the provisions of Article II of this Agreement. The maximum liability of the Pool for any one loss will be $250,000 less the Ceding Company's maximum available retention on the risk. In the event that a court of competent jurisdiction should rule against the Ceding Company's Receipt limit, then the Pool agrees to be liable for an amount not to exceed $1,000,000 reduced by any available retention the Ceding Company has for the risk. EXHIBIT H North American Reassurance Company 10 YEAR SELECT NON-REFUND REINSURANCE RATES DIFFERENTIATED BY SMOKING HABIT AGE NEAREST BIRTHDAY NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE NEAREST BIRTHDAY
POLICY YEAR ISSUE -------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- -------- 0 5.01 1.40 1.01 0.86 0.76 0.72 0.67 0.65 0.61 0.59 0.58 10 1 0.00 1.01 0.86 0.76 0.72 0.67 0.65 0.61 0.59 0.58 0.58 11 2 0.00 0.86 0.76 0.72 0.67 0.65 0.61 0.59 0.58 0.58 0.60 12 3 0.00 0.76 0.72 0.67 0.65 0.61 0.59 0.58 0.58 0.60 0.67 13 4 0.00 0.72 0.67 0.65 0.61 0.59 0.58 0.58 0.60 0.67 0.75 14 5 0.00 0.67 0.65 0.61 0.59 0.58 0.58 0.60 0.67 0.75 0.87 15 6 0.00 0.65 0.61 0.59 0.58 0.58 0.60 0.67 0.75 0.87 0.98 16 7 0.00 0.61 0.59 0.58 0.58 0.60 0.67 0.75 0.87 0.98 1.10 17 8 0.00 0.59 0.58 0.58 0.60 0.67 0.75 0.87 0.98 1.10 1.13 18 9 0.00 0.58 0.58 0.60 0.67 0.75 0.87 0.98 1.10 1.13 1.16 19 10 0.00 0.58 0.60 0.67 0.75 0.87 0.98 1.10 1.13 1.16 1.19 20 11 0.00 0.60 0.67 0.75 0.87 0.98 1.10 1.13 1.16 1.19 1.22 21 12 0.00 0.67 0.75 0.87 0.98 1.10 1.13 1.16 1.19 1.22 1.21 22 13 0.00 0.75 0.87 0.98 1.10 1.13 1.16 1.19 1.22 1.21 1.21 23 14 0.00 0.87 0.98 1.10 1.13 1.16 1.19 1.22 1.21 1.21 1.20 24 15 0.00 0.98 1.10 1.13 1.16 1.19 1.22 1.21 1.21 1.20 1.19 25 16 0.00 1.10 1.13 1.16 1.19 1.22 1.21 1.21 1.20 1.19 1.18 26 17 0.00 1.13 1.16 1.19 1.22 1.21 1.21 1.20 1.19 1.18 1.17 27 18 0.00 1.09 1.13 1.16 1.18 1.18 1.17 1.17 1.17 1.17 1.15 28 19 0.00 1.06 1.10 1.13 1.14 1.14 1.13 1.14 1.14 1.15 1.14 29
NRN-5923-3 NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE NEAREST BIRTHDAY
POLICY YEAR ISSUE -------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- -------- 20 0.00 0.63 0.66 0.67 0.67 0.67 0.67 0.67 0.68 0.69 0.68 30 21 0.00 0.61 0.64 0.65 0.65 0.65 0.65 0.66 0.67 0.68 0.67 31 22 0.00 0.59 0.62 0.63 0.63 0.62 0.63 0.64 0.65 0.67 0.69 32 23 0.00 0.59 0.61 0.63 0.62 0.62 0.63 0.65 0.67 0.69 0.71 33 24 0.00 0.58 0.61 0.62 0.62 0.62 0.64 0.66 0.68 0.71 0.73 34 25 0.00 0.57 0.61 0.62 0.62 0.63 0.64 0.67 0.70 0.73 0.75 35 26 0.00 0.56 0.60 0.61 0.62 0.63 0.65 0.68 0.71 0.75 0.78 36 27 0.00 0.55 0.60 0.60 0.61 0.63 0.66 0.69 0.73 0.78 0.86 37 28 0.00 0.59 0.63 0.64 0.66 0.68 0.71 0.75 0.80 0.86 0.96 38 29 0.00 0.62 0.67 0.69 0.71 0.74 0.76 0.82 0.89 0.96 1.06 39 30 0.00 0.66 0.70 0.73 0.75 0.79 0.83 0.90 0.98 1.06 1.17 40 31 0.00 0.71 0.74 0.77 0.81 0.86 0.91 0.99 1.08 1.17 1.29 41 32 0.00 0.74 0.78 0.83 0.87 0.93 0.99 1.08 1.19 1.29 1.41 42 33 0.00 0.77 0.83 0.88 0.93 1.00 1.07 1.18 1.28 1.41 1.54 43 34 0.00 0.80 0.87 0.94 1.00 1.08 1.17 1.27 1.40 1.54 1.69 44 35 0.00 0.84 0.92 1.00 1.08 1.17 1.26 1.38 1.52 1.69 1.83 45 36 0.00 0.87 0.98 1.07 1.16 1.25 1.37 1.50 1.66 1.83 2.01 46 37 0.00 0.91 1.04 1.14 1.24 1.36 1.49 1.64 1.80 2.01 2.23 47 38 0.00 1.02 1.15 1.27 1.38 1.52 1.67 1.82 2.01 2.23 2.48 48 39 0.00 1.13 1.27 1.41 1.53 1.70 1.86 2.04 2.24 2.48 2.74 49 40 0.00 1.25 1.41 1.57 1.70 1.89 2.07 2.27 2.50 2.74 3.04 50 41 0.00 1.38 1.57 1.74 1.87 2.11 2.30 2.52 2.77 3.04 3.36 51 42 0.00 1.53 1.72 1.93 2.07 2.33 2.55 2.79 3.07 3.36 3.66 52 43 0.00 1.64 1.86 2.09 2.25 2.53 2.78 3.05 3.33 3.66 3.97 53 44 0.00 1.74 2.01 2.25 2.45 2.74 3.03 3.32 3.63 3.97 4.31 54
NRN-5923-4 NON-SMOKER RATES NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE NEAREST BIRTHDAY
POLICY YEAR ISSUE ------------------------------------------------------------------------------------ ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- 45 0.00 1.87 2.17 2.44 2.67 2.98 3.30 3.62 3.94 4.31 4.69 55 46 0.00 2.00 2.34 2.64 2.90 3.23 3.60 3.94 4.27 4.69 5.15 56 47 0.00 2.15 2.54 2.86 3.16 3.51 3.92 4.30 4.66 5.11 5.70 57 48 0.00 2.33 2.75 3.11 3.42 3.84 4.32 4.73 5.13 5.64 6.31 58 49 0.00 2.53 2.99 3.37 3.69 4.20 4.75 5.21 5.64 6.21 6.97 59 50 0.00 2.73 3.25 3.67 4.01 4.61 5.23 5.73 6.20 6.84 7.68 60 51 0.00 2.97 3.53 3.98 4.34 5.03 5.74 6.29 6.81 7.53 8.47 61 52 0.00 3.22 3.84 4.33 4.70 5.50 6.31 6.91 7.49 8.28 9.22 62 53 0.00 3.46 4.16 4.70 5.11 5.91 6.77 7.41 8.04 8.92 10.05 63 54 0.00 3.71 4.51 5.12 5.55 6.36 7.28 7.96 8.63 9.62 10.96 64 55 0.00 4.00 4.88 5.57 6.02 6.85 7.84 8.56 9.29 10.39 11.95 65 56 0.00 4.30 5.29 6.06 6.54 7.38 8.44 9.20 10.01 11.22 13.01 66 57 0.00 4.64 5.74 6.59 7.11 7.97 9.09 9.91 10.79 12.12 14.23 67 58 0.00 5.07 6.29 7.28 7.84 8.66 9.77 10.68 11.70 13.19 15.54 68 59 0.00 5.54 6.89 8.04 8.64 9.43 10.51 11.52 12.71 14.36 16.98 69 60 0.00 6.06 7.55 8.86 9.53 10.26 11.32 12.44 13.80 15.63 18.55 70 61 0.00 6.62 8.25 9.76 10.48 11.17 12.19 13.44 14.99 17.01 20.26 71 62 0.00 7.22 9.03 10.74 11.52 12.16 13.15 14.52 16.29 18.52 21.81 72 63 0.00 8.09 9.97 11.69 12.66 13.42 14.50 15.90 17.85 20.35 23.49 73 64 0.00 9.05 10.98 12.74 13.91 14.78 15.97 17.40 19.54 22.34 25.33 74 65 0.00 10.08 12.09 13.89 15.28 16.28 17.58 19.03 21.39 24.53 27.33 75 66 0.00 11.21 13.30 15.12 16.76 17.89 19.33 20.81 23.41 26.90 29.52 76 67 0.00 12.45 14.62 16.47 18.38 19.67 21.23 22.75 25.61 29.49 31.76 77 68 0.00 13.27 15.66 17.77 19.85 21.26 22.93 24.60 27.59 31.76 34.25 78 69 0.00 14.16 16.79 19.18 21.44 22.99 24.79 26.62 29.73 34.25 36.96 79
NRN-5923-5 NON-SMOKER RATES NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE NEAREST BIRTHDAY
POLICY YEAR ISSUE -------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- -------- 20 0.00 1.44 1.51 1.55 1.58 1.56 1.56 1.58 1.60 1.63 1.75 30 21 0.00 1.38 1.45 1.49 1.49 1.48 1.49 1.51 1.55 1.60 1.80 31 22 0.00 1.29 1.39 1.43 1.41 1.40 1.41 1.45 1.50 1.56 1.85 32 23 0.00 1.27 1.38 1.41 1.41 1.41 1.43 1.48 1.54 1.63 1.91 33 24 0.00 1.25 1.35 1.40 1.40 1.41 1.45 1.51 1.60 1.69 1.97 34 25 0.00 1.22 1.34 1.38 1.39 1.41 1.47 1.54 1.66 1.76 2.05 35 26 0.00 1.19 1.32 1.35 1.39 1.42 1.49 1.59 1.72 1.84 2.13 36 27 0.00 1.16 1.31 1.33 1.38 1.43 1.51 1.63 1.79 1.92 2.29 37 28 0.00 1.23 1.38 1.43 1.47 1.54 1.65 1.79 1.95 2.12 2.47 38 29 0.00 1.30 1.45 1.52 1.59 1.67 1.79 1.95 2.15 2.34 2.67 39 30 0.00 1.39 1.53 1.63 1.70 1.82 1.94 2.13 2.35 2.57 2.88 40 31 0.00 1.48 1.63 1.74 1.84 1.97 2.11 2.33 2.58 2.82 3.11 41 32 0.00 1.58 1.72 1.88 1.97 2.14 2.29 2.55 2.82 3.11 3.39 42 33 0.00 1.64 1.82 2.00 2.12 2.31 2.49 2.76 3.06 3.37 3.71 43 34 0.00 1.70 1.91 2.12 2.28 2.49 2.70 2.99 3.31 3.66 4.05 44 35 0.00 1.76 2.03 2.26 2.46 2.69 2.94 3.24 3.59 3.98 4.42 45 36 0.00 1.84 2.14 2.40 2.64 2.90 3.19 3.52 3.89 4.33 4.83 46 37 0.00 1.91 2.28 2.57 2.85 3.14 3.48 3.81 4.22 4.69 5.27 47 38 0.00 2.11 2.50 2.82 3.11 3.45 3.82 4.19 4.62 5.12 5.75 48 39 0.00 2.32 2.74 3.11 3.39 3.80 4.19 4.60 5.06 5.59 6.28 49 40 0.00 2.55 3.00 3.41 3.71 4.19 4.60 5.05 5.54 6.09 6.86 50 41 0.00 2.80 3.29 3.75 4.05 4.60 5.05 5.53 6.07 6.65 7.48 51 42 0.00 3.08 3.60 4.11 4.43 5.05 5.53 6.07 6.65 7.25 8.11 52 43 0.00 3.26 3.84 4.39 4.76 5.41 5.95 6.51 7.10 7.74 8.78 53 44 0.00 3.44 4.12 4.69 5.12 5.80 6.41 6.99 7.59 8.27 9.52 54
SMOKER RATES NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE NEAREST BIRTHDAY
POLICY YEAR ISSUE ------------------------------------------------------------------------------------ ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- 45 0.00 3.65 4.40 5.03 5.52 6.22 6.90 7.53 8.14 8.86 10.33 55 46 0.00 3.89 4.71 5.40 5.96 6.67 7.43 8.11 8.73 9.49 11.21 56 47 0.00 4.14 5.06 5.80 6.44 7.17 8.01 8.74 9.37 10.20 12.13 57 48 0.00 4.42 5.41 6.18 6.84 7.72 8.67 9.44 10.13 11.04 13.13 58 49 0.00 4.74 5.80 6.63 7.29 8.31 9.40 10.22 10.95 11.95 14.21 59 50 0.00 5.07 6.23 7.10 7.77 8.96 10.17 11.07 11.85 12.96 15.39 60 51 0.00 5.45 6.68 7.61 8.30 9.66 11.04 11.99 12.84 14.05 16.68 61 52 0.00 5.85 7.18 8.17 8.86 10.43 11.96 12.99 13.91 15.24 17.77 62 53 0.00 6.17 7.64 8.73 9.44 10.99 12.59 13.65 14.63 16.08 18.94 63 54 0.00 6.52 8.15 9.33 10.08 11.60 13.27 14.36 15.41 16.99 20.23 64 55 0.00 6.90 8.70 10.00 10.76 12.27 14.01 15.15 16.28 18.00 21.63 65 56 0.00 7.32 9.29 10.71 11.52 13.00 14.82 16.00 17.20 19.08 23.15 66 57 0.00 7.77 9.95 11.50 12.34 13.80 15.70 16.94 18.22 20.27 24.70 67 58 0.00 8.37 10.72 12.50 13.38 14.72 16.53 17.88 19.36 21.59 26.38 68 59 0.00 9.03 11.56 13.58 14.50 15.73 17.44 18.91 20.61 23.03 28.21 69 60 0.00 9.75 12.48 14.76 15.74 16.83 18.43 20.04 21.98 24.60 30.22 70 61 0.00 10.54 13.49 16.05 17.07 18.03 19.51 21.26 23.46 26.30 32.39 71 62 0.00 11.39 14.58 17.46 18.53 19.33 20.69 22.61 25.07 28.17 34.21 72 63 0.00 12.51 15.72 18.57 19.91 20.83 22.27 24.16 26.82 30.36 36.19 73 64 0.00 13.71 16.97 19.78 21.41 22.47 24.00 25.86 28.73 32.74 38.36 74 65 0.00 15.05 18.33 21.11 23.05 24.26 25.90 27.72 30.82 35.35 40.71 75 66 0.00 16.49 19.80 22.54 24.82 26.20 27.96 29.74 33.09 38.18 43.27 76 67 0.00 18.06 21.42 24.12 26.75 28.32 30.21 31.93 35.55 41.27 46.55 77 68 0.00 19.05 22.66 25.65 28.57 30.38 32.50 34.52 38.43 44.59 50.11 78 69 0.00 20.13 24.00 27.32 30.56 32.61 35.00 37.35 41.57 48.23 54.00 79
SMOKER RATES NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM REINSURANCE FOR EACH 25% OF EXCESS MORTALITY MALE SUBSTANDARD RISK AGE NEAREST BIRTHDAY
POLICY YEAR ISSUE --------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- -------- 0 0.17 0.27 0.17 0.13 0.11 0.10 0.08 0.08 0.07 0.06 0.06 10 1 0.00 0.17 0.13 0.11 0.10 0.08 0.08 0.07 0.06 0.06 0.06 11 2 0.00 0.13 0.11 0.10 0.08 0.08 0.07 0.06 0.06 0.06 0.07 12 3 0.00 0.11 0.10 0.08 0.08 0.07 0.06 0.06 0.06 0.07 0.08 13 4 0.00 0.10 0.08 0.08 0.07 0.06 0.06 0.06 0.07 0.08 0.10 14 5 0.00 0.08 0.08 0.07 0.06 0.06 0.06 0.07 0.08 0.10 0.13 15 6 0.00 0.08 0.07 0.06 0.06 0.06 0.07 0.08 0.10 0.13 0.16 16 7 0.00 0.07 0.06 0.06 0.06 0.07 0.08 0.10 0.13 0.16 0.19 17 8 0.00 0.06 0.06 0.06 0.07 0.08 0.10 0.13 0.16 0.19 0.20 18 9 0.00 0.06 0.06 0.07 0.08 0.10 0.13 0.16 0.19 0.20 0.20 19 10 0.00 0.06 0.07 0.08 0.10 0.13 0.16 0.19 0.20 0.20 0.21 20 11 0.00 0.07 0.08 0.10 0.13 0.16 0.19 0.20 0.20 0.21 0.22 21 12 0.00 0.08 0.10 0.13 0.16 0.19 0.20 0.20 0.21 0.22 0.22 22 13 0.00 0.10 0.13 0.16 0.19 0.20 0.20 0.21 0.22 0.22 0.22 23 14 0.00 0.13 0.16 0.19 0.20 0.20 0.21 0.22 0.22 0.22 0.21 24 15 0.00 0.16 0.19 0.20 0.20 0.21 0.22 0.22 0.22 0.21 0.21 25 16 0.00 0.19 0.20 0.20 0.21 0.22 0.22 0.22 0.21 0.21 0.21 26 17 0.00 0.20 0.20 0.21 0.22 0.22 0.22 0.21 0.21 0.21 0.22 27 18 0.00 0.19 0.20 0.20 0.21 0.21 0.21 0.21 0.21 0.21 0.22 28 19 0.00 0.18 0.19 0.20 0.20 0.20 0.20 0.20 0.20 0.20 0.23 29
NRN_5923_10 NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM REINSURANCE FOR EACH 25% OF EXCESS MORTALITY MALE SUBSTANDARD RISK AGE NEAREST BIRTHDAY
POLICY YEAR ISSUE --------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- -------- 20 0.00 0.15 0.16 0.16 0.16 0.16 0.16 0.16 0.17 0.17 0.20 30 21 0.00 0.14 0.15 0.15 0.15 0.15 0.15 0.16 0.16 0.17 0.21 31 22 0.00 0.13 0.14 0.14 0.14 0.14 0.14 0.15 0.15 0.16 0.22 32 23 0.00 0.12 0.14 0.14 0.14 0.14 0.14 0.15 0.16 0.17 0.23 33 24 0.00 0.12 0.14 0.14 0.14 0.14 0.15 0.16 0.17 0.18 0.24 34 25 0.00 0.12 0.13 0.14 0.14 0.14 0.15 0.16 0.18 0.19 0.26 35 26 0.00 0.11 0.13 0.14 0.14 0.14 0.15 0.17 0.18 0.20 0.27 36 27 0.00 0.11 0.13 0.13 0.14 0.14 0.16 0.17 0.19 0.21 0.29 37 28 0.00 0.12 0.14 0.14 0.15 0.16 0.17 0.19 0.21 0.24 0.32 38 29 0.00 0.12 0.14 0.15 0.16 0.17 0.19 0.21 0.24 0.28 0.35 39 30 0.00 0.13 0.15 0.16 0.17 0.19 0.21 0.24 0.28 0.31 0.38 40 31 0.00 0.14 0.16 0.18 0.19 0.21 0.23 0.27 0.31 0.34 0.42 41 32 0.00 0.15 0.17 0.19 0.20 0.23 0.26 0.30 0.34 0.38 0.46 42 33 0.00 0.16 0.18 0.20 0.22 0.26 0.29 0.33 0.37 0.42 0.51 43 34 0.00 0.16 0.19 0.22 0.26 0.29 0.32 0.36 0.41 0.47 0.56 44 35 0.00 0.17 0.21 0.24 0.28 0.32 0.35 0.40 0.45 0.51 0.62 45 36 0.00 0.18 0.22 0.27 0.31 0.35 0.39 0.44 0.50 0.57 0.69 46 37 0.00 0.19 0.24 0.29 0.34 0.38 0.43 0.48 0.55 0.62 0.77 47 38 0.00 0.21 0.28 0.33 0.37 0.42 0.48 0.54 0.61 0.68 0.85 48 39 0.00 0.24 0.31 0.36 0.41 0.47 0.53 0.60 0.67 0.75 0.94 49 40 0.00 0.27 0.34 0.40 0.45 0.52 0.59 0.66 0.74 0.84 1.03 50 41 0.00 0.30 0.37 0.44 0.49 0.58 0.65 0.73 0.83 0.92 1.14 51 42 0.00 0.33 0.41 0.49 0.54 0.64 0.72 0.81 0.91 1.01 1.25 52 43 0.00 0.36 0.45 0.53 0.59 0.69 0.79 0.88 0.98 1.09 1.38 53 44 0.00 0.38 0.48 0.57 0.64 0.75 0.86 0.96 1.06 1.10 1.51 54
NRN-59__-11 NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM REINSURANCE FOR EACH 25% OF EXCESS MORTALITY MALE SUBSTANDARD RISK AGE NEAREST BIRTHDAY
POLICY YEAR ISSUE --------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- -------- 45 0.00 0.41 0.52 0.62 0.70 0.83 0.94 1.05 1.15 1.29 1.65 55 46 0.00 0.44 0.57 0.68 0.78 0.90 1.02 1.14 1.25 1.39 1.82 56 47 0.00 0.47 0.62 0.73 0.85 0.97 1.11 1.24 1.36 1.51 1.99 57 48 0.00 0.51 0.67 0.80 0.91 1.06 1.22 1.37 1.49 1.66 2.18 58 49 0.00 0.55 0.72 0.87 0.98 1.15 1.35 1.50 1.63 1.83 2.40 59 50 0.00 0.60 0.79 0.94 1.05 1.25 1.48 1.64 1.80 2.00 2.62 60 51 0.00 0.65 0.86 1.01 1.13 1.38 1.61 1.80 1.96 2.19 2.88 61 52 0.00 0.70 0.93 1.10 1.22 1.50 1.77 1.97 2.14 2.40 3.10 62 53 0.00 0.74 0.99 1.18 1.32 1.59 1.88 2.08 2.27 2.56 3.35 63 54 0.00 0.80 1.07 1.28 1.42 1.69 2.00 2.21 2.42 2.73 3.62 64 55 0.00 0.84 1.15 1.39 1.53 1.81 2.13 2.36 2.58 2.92 3.92 65 56 0.00 0.90 1.24 1.50 1.65 1.93 2.26 2.51 2.75 2.13 4.23 66 57 0.00 0.96 1.34 1.62 1.79 2.06 2.42 2.67 2.94 3.36 4.58 67 58 0.00 1.04 1.46 1.79 1.96 2.22 2.57 2.86 3.16 3.61 4.96 68 59 0.00 1.14 1.59 1.97 2.16 2.40 2.74 3.05 3.40 3.90 5.38 69 60 0.00 1.24 1.74 2.17 2.38 2.60 2.92 3.25 3.66 4.21 5.82 70 61 0.00 1.37 1.91 2.39 2.60 2.81 3.12 3.49 3.95 4.55 6.31 71 62 0.00 1.49 2.08 2.63 2.86 3.04 3.34 3.74 4.26 4.93 6.74 72 63 0.00 1.64 2.24 2.79 3.08 3.29 3.61 4.02 4.59 5.33 7.21 73 64 0.00 1.81 2.42 2.98 3.33 3.57 3.91 4.32 4.95 5.78 7.73 74 65 0.00 1.98 2.62 3.1_ 3.58 3.87 4.24 4.65 5.33 6.28 8.29 75 66 0.00 2.17 2.83 3.39 3.87 4.19 4.60 5.01 5.76 6.81 8.89 76 67 0.00 2.39 3.06 3.62 4.18 4.55 4.99 5.41 6.22 7.40 9.57 77 68 0.00 2.59 3.33 3.96 4.57 4.98 5.46 5.93 6.79 8.06 10.30 78 69 0.00 2.82 3.61 4.32 5.00 5.46 5._8 6.50 7.42 8.78 11.11 79
North American Reassurance Company 10 YEAR SELECT NON-REFUND REINSURANCE RATES DIFFERENTIATED BY SMOKING HABIT AGE LAST BIRTHDAY TEN YEAR SELECT NON REFUND YRT REINSURANCE PROGRAM USE OF THE RATE SCHEDULE SMOKER/NON-SMOKER DIFFERENTIATION This schedule contains YRT rates which are differentiated by smoking habit for issue ages 20-69. These rates are to be used only where the Ceding Company's gross premiums are differentiated by smoking habit. For reinsurance generated from plans of insurance where the Ceding Company does not differentiate its premiums by smoking habit. North American Re's undifferentiated YRT reinsurance premium schedule should be used. FEMALE RATES Ages 0 to 10 Use Rates for Males Same Age Ages 11 to 14 Use Rates for Males Age 10 Ages 15 to 19 Use Rates for Males 4 Years Younger Ages 24 & Older Ages 20 to 23 Use Rates for Males Age 20 SUBSTANDARD RISKS Multiple table substandard premiums are equal to the sum of the standard premium (smoker, non-smoker, or undifferentiated) and the appropriate multiple of the additional premiums for 25% excess mortality shown in the Substandard table. For example: if a risk is rated Class D, 200%, the premium per thousand for each age and duration is the standard premium plus four times the additional substandard premium. Reinsurance premiums for risks which have been rated on a multiple table basis shall revert to the standard premium on the later of the twentieth policy anniversary and attained age 65. POLICY FEE For risks ceded on a bordereau basis, there is no policy fee. For risks ceded on an individual cession basis, the policy fee is $50 in the first year and $20 in renewal years. MINIMUM CESSION The minimum initial amount of reinsurance that may be ceded under this program is $10,000. RECAPTURE Reinsurance ceded under this program will not be eligible for recapture before the end of the tenth policy anniversary. NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE LAST BIRTHDAY
POLICY YEAR ISSUE -------------------------------------------------------------------------- ATTAIN AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ------ 0 5.01 1.21 0.93 0.81 0.74 0.69 0.66 0.63 0.60 0.59 0.58 10 1 0.00 0.93 0.81 0.74 0.69 0.66 0.63 0.60 0.59 0.58 0.59 11 2 0.00 0.81 0.74 0.69 0.66 0.63 0.60 0.59 0.58 0.59 0.63 12 3 0.00 0.74 0.69 0.66 0.63 0.60 0.59 0.58 0.59 0.63 0.71 13 4 0.00 0.69 0.66 0.63 0.60 0.59 0.58 0.59 0.63 0.71 0.81 14 5 0.00 0.66 0.63 0.60 0.59 0.58 0.59 0.63 0.71 0.81 0.93 15 6 0.00 0.63 0.60 0.59 0.58 0.59 0.63 0.71 0.81 0.93 1.04 16 7 0.00 0.60 0.59 0.58 0.59 0.63 0.71 0.81 0.93 1.04 1.15 17 8 0.00 0.59 0.58 0.59 0.63 0.71 0.81 0.93 1.04 1.15 1.11 18 9 0.00 0.58 0.59 0.63 0.71 0.81 0.93 1.04 1.15 1.11 1.14 19 10 0.00 0.59 0.63 0.71 0.81 0.93 1.04 1.15 1.11 1.14 1.18 20 11 0.00 0.63 0.71 0.81 0.93 1.04 1.15 1.11 1.14 1.18 1.20 21 12 0.00 0.71 0.81 0.93 1.04 1.15 1.11 1.14 1.18 1.20 1.20 22 13 0.00 0.81 0.93 1.04 1.15 1.11 1.14 1.18 1.20 1.20 1.19 23 14 0.00 0.93 1.04 1.15 1.11 1.14 1.18 1.20 1.20 1.19 1.18 24 15 0.00 1.04 1.15 1.11 1.14 1.18 1.20 1.20 1.19 1.18 1.18 25 16 0.00 1.15 1.11 1.14 1.18 1.20 1.20 1.19 1.18 1.18 1.18 26 17 0.00 1.11 1.14 1.18 1.20 1.20 1.19 1.18 1.18 1.18 1.16 27 18 0.00 1.08 1.11 1.14 1.17 1.16 1.15 1.15 1.16 1.16 1.14 28 19 0.00 1.04 1.08 1.11 1.12 1.12 1.11 1.12 1.13 1.14 1.15 29
NRL-5923-3 NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE LAST BIRTHDAY
POLICY YEAR ISSUE ------------------------------------------------------------------------------------ ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- -------- 20 0.00 0.62 0.65 0.66 0.66 0.66 0.66 0.67 0.67 0.68 0.68 30 21 0.00 0.60 0.63 0.64 0.64 0.63 0.64 0.65 0.66 0.68 0.68 31 22 0.00 0.59 0.62 0.63 0.63 0.62 0.63 0.64 0.66 0.68 0.70 32 23 0.00 0.58 0.61 0.62 0.62 0.62 0.63 0.65 0.67 0.70 0.72 33 24 0.00 0.57 0.61 0.62 0.62 0.63 0.64 0.66 0.69 0.72 0.74 34 25 0.00 0.57 0.60 0.61 0.62 0.63 0.65 0.67 0.71 0.74 0.76 35 26 0.00 0.56 0.60 0.61 0.62 0.63 0.65 0.68 0.72 0.76 0.82 36 27 0.00 0.57 0.61 0.62 0.64 0.66 0.68 0.72 0.76 0.82 0.91 37 28 0.00 0.60 0.65 0.66 0.68 0.71 0.74 0.78 0.84 0.91 1.01 38 29 0.00 0.64 0.68 0.71 0.73 0.76 0.80 0.86 0.93 1.01 1.12 39 30 0.00 0.68 0.73 0.75 0.78 0.82 0.87 0.94 1.03 1.12 1.23 40 31 0.00 0.73 0.76 0.80 0.84 0.89 0.95 1.03 1.13 1.23 1.35 41 32 0.00 0.76 0.80 0.85 0.90 0.96 1.03 1.13 1.23 1.35 1.47 42 33 0.00 0.79 0.85 0.91 0.97 1.04 1.12 1.23 1.34 1.47 1.61 43 34 0.00 0.82 0.90 0.97 1.04 1.12 1.22 1.32 1.46 1.61 1.75 44 35 0.00 0.85 0.95 1.03 1.12 1.21 1.31 1.44 1.59 1.75 1.92 45 36 0.00 0.89 1.01 1.11 1.20 1.30 1.43 1.57 1.72 1.92 2.12 46 37 0.00 0.96 1.09 1.21 1.31 1.44 1.58 1.72 1.90 2.12 2.35 47 38 0.00 1.07 1.22 1.34 1.46 1.61 1.76 1.93 2.13 2.35 2.61 48 39 0.00 1.19 1.34 1.49 1.62 1.79 1.96 2.16 2.37 2.61 2.89 49 40 0.00 1.31 1.49 1.66 1.78 2.00 2.19 2.39 2.63 2.89 3.19 50 41 0.00 1.45 1.65 1.83 1.97 2.21 2.42 2.66 2.92 3.19 3.51 51 42 0.00 1.58 1.79 2.01 2.16 2.43 2.67 2.92 3.19 3.51 3.81 52 43 0.00 1.69 1.93 2.17 2.35 2.64 2.90 3.19 3.48 3.81 4.14 53 44 0.00 1.80 2.09 2.34 2.56 2.86 3.17 3.47 3.77 4.14 4.50 54
NRL-5923-4 NON-SMOKER NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE LAST BIRTHDAY
POLICY YEAR ISSUE ------------------------------------------------------------------------------------ ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- 45 0.00 1.94 2.25 2.54 2.78 3.11 3.45 3.78 4.11 4.50 4.91 55 46 0.00 2.08 2.44 2.74 3.03 3.37 3.75 4.12 4.46 4.89 5.43 56 47 0.00 2.23 2.64 2.98 3.28 3.68 4.12 4.51 4.88 5.36 6.00 57 48 0.00 2.42 2.87 3.23 3.56 4.02 4.54 4.97 5.38 5.92 6.63 58 49 0.00 2.63 3.12 3.52 3.85 4.40 4.99 5.46 5.92 6.52 7.32 59 50 0.00 2.85 3.39 3.82 4.17 4.81 5.49 6.01 6.51 7.18 8.07 60 51 0.00 3.10 3.68 4.16 4.52 5.26 6.02 6.60 7.14 7.90 8.84 61 52 0.00 3.34 4.00 4.52 4.90 5.70 6.54 7.15 7.75 8.59 9.63 62 53 0.00 3.59 4.33 4.91 5.32 6.13 7.03 7.68 8.33 9.26 10.50 63 54 0.00 3.85 4.68 5.33 5.77 6.60 7.56 8.25 8.96 10.00 11.44 64 55 0.00 4.15 5.09 5.80 6.27 7.11 8.13 8.87 9.64 10.80 12.47 65 56 0.00 4.47 5.51 6.31 6.82 7.66 8.76 9.55 10.39 11.66 13.61 66 57 0.00 4.85 6.01 6.93 7.47 8.31 9.43 10.29 11.24 12.65 14.87 67 58 0.00 5.30 6.59 7.64 8.23 9.04 10.13 11.09 12.19 13.76 16.25 68 59 0.00 5.79 7.21 8.44 9.07 9.84 10.91 11.97 13.24 14.97 17.75 69 60 0.00 6.33 7.89 9.30 9.99 10.71 11.75 12.93 14.39 16.31 19.37 70 61 0.00 6.91 8.63 10.23 10.98 11.65 12.66 13.97 15.62 17.75 21.01 71 62 0.00 7.65 9.49 11.21 12.07 12.78 13.82 15.20 17.05 19.41 22.63 72 63 0.00 8.57 10.46 12.21 13.27 14.08 15.22 16.63 18.68 21.32 24.38 73 64 0.00 9.56 11.52 13.30 14.57 15.51 16.76 18.19 20.44 23.41 26.31 74 65 0.00 10.64 12.68 14.49 16.00 17.07 18.43 19.90 22.38 25.70 28.40 75 66 0.00 11.82 13.95 15.78 17.54 18.76 20.26 21.75 24.48 28.17 30.61 76 67 0.00 12.85 15.13 17.11 19.09 20.45 22.07 23.65 26.58 30.61 32.98 77 68 0.00 13.70 16.21 18.45 20.62 22.11 23.84 25.58 28.64 32.98 35.57 78 69 0.00 14.63 17.40 19.92 22.30 23.92 25.78 27.69 30.89 35.57 38.41 79
NTL-5923-5 NON-SMOKER NORTH AMERICAN REASSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE LAST BIRTHDAY
POLICY YEAR ISSUE ------------------------------------------------------------------------------------ ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- 20 0.00 1.41 1.48 1.52 1.53 1.52 1.52 1.54 1.58 1.62 1.77 30 21 0.00 1.33 1.42 1.46 1.46 1.44 1.45 1.48 1.52 1.59 1.83 31 22 0.00 1.28 1.38 1.42 1.41 1.40 1.42 1.46 1.52 1.60 1.88 32 23 0.00 1.26 1.37 1.40 1.40 1.41 1.44 1.49 1.58 1.66 1.94 33 24 0.00 1.23 1.35 1.39 1.40 1.41 1.46 1.53 1.63 1.72 2.02 34 25 0.00 1.21 1.33 1.37 1.39 1.42 1.48 1.56 1.69 1.80 2.09 35 26 0.00 1.17 1.31 1.34 1.38 1.42 1.50 1.61 1.75 1.88 2.21 36 27 0.00 1.19 1.34 1.38 1.42 1.48 1.58 1.70 1.87 2.03 2.38 37 28 0.00 1.26 1.42 1.47 1.52 1.61 1.71 1.87 2.05 2.23 2.56 38 29 0.00 1.34 1.49 1.58 1.64 1.74 1.86 2.04 2.25 2.46 2.77 39 30 0.00 1.43 1.58 1.69 1.76 1.89 2.03 2.23 2.47 2.70 2.99 40 31 0.00 1.53 1.67 1.81 1.90 2.06 2.19 2.44 2.70 2.96 3.24 41 32 0.00 1.61 1.76 1.93 2.05 2.23 2.38 2.66 2.94 3.23 3.55 42 33 0.00 1.67 1.87 2.06 2.21 2.39 2.59 2.88 3.18 3.52 3.87 43 34 0.00 1.73 1.97 2.18 2.36 2.58 2.81 3.11 3.44 3.82 4.23 44 35 0.00 1.80 2.09 2.33 2.54 2.79 3.07 3.37 3.74 4.15 4.62 45 36 0.00 1.88 2.21 2.49 2.74 3.01 3.33 3.66 4.05 4.50 5.05 46 37 0.00 2.02 2.38 2.70 2.97 3.30 3.64 4.00 4.42 4.90 5.50 47 38 0.00 2.22 2.61 2.96 3.24 3.62 4.00 4.39 4.84 5.34 6.01 48 39 0.00 2.44 2.87 3.26 3.55 3.99 4.39 4.82 5.30 5.83 6.56 49 40 0.00 2.68 3.14 3.57 3.87 4.39 4.82 5.29 5.81 6.36 7.16 50 41 0.00 2.94 3.44 3.92 4.23 4.82 5.28 5.80 6.35 6.94 7.78 51 42 0.00 3.16 3.73 4.24 4.59 5.23 5.74 6.29 6.87 7.49 8.43 52 43 0.00 3.35 3.98 4.54 4.94 5.60 6.17 6.75 7.34 8.00 9.15 53 44 0.00 3.55 4.25 4.86 5.32 6.00 6.65 7.26 7.86 8.56 9.92 54
NRL-5923-7 SMOKER NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE PREMIUMS FOR $1000 OF ONE YEAR TERM REINSURANCE MALE STANDARD RISK AGE LAST BIRTHDAY
POLICY YEAR ISSUE ------------------------------------------------------------------------------------ ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- 45 0.00 3.77 4.56 5.21 5.74 6.44 7.16 7.81 8.43 9.18 10.76 55 46 0.00 4.01 4.88 5.59 6.20 6.92 7.72 8.41 9.04 9.84 11.66 56 47 0.00 4.27 5.23 5.99 6.64 7.44 8.34 9.08 9.74 10.61 12.61 57 48 0.00 4.58 5.60 6.41 7.06 8.01 9.03 9.83 10.53 11.49 13.65 58 49 0.00 4.90 6.01 6.86 7.52 8.63 9.78 10.64 11.39 12.44 14.79 59 50 0.00 5.26 6.45 7.35 8.02 9.30 10.59 11.52 12.34 13.49 16.02 60 51 0.00 5.64 6.93 7.89 8.57 10.04 11.49 12.47 13.37 14.63 17.22 61 52 0.00 6.01 7.41 8.44 9.15 10.71 12.27 13.31 14.27 15.65 18.34 62 53 0.00 6.34 7.90 9.02 9.75 11.29 12.92 14.00 15.02 16.53 19.57 63 54 0.00 6.71 8.42 9.66 10.42 11.93 13.63 14.75 15.83 17.48 20.92 64 55 0.00 7.11 8.99 10.34 11.14 12.63 14.41 15.57 16.73 18.53 22.37 65 56 0.00 7.54 9.62 11.10 11.92 13.39 15.25 16.45 17.69 19.66 23.91 66 57 0.00 8.06 10.33 11.99 12.84 14.25 16.11 17.40 18.78 20.92 25.52 67 58 0.00 8.69 11.13 13.02 13.92 15.21 16.98 18.39 19.97 22.29 27.28 68 59 0.00 9.39 12.01 14.15 15.10 16.26 17.92 19.47 21.27 23.79 29.20 69 60 0.00 10.14 12.98 15.39 16.39 17.42 18.95 20.64 22.70 25.44 31.28 70 61 0.00 10.95 14.02 16.74 17.79 18.66 20.08 21.91 24.24 27.22 33.29 71 62 0.00 11.94 15.14 18.01 19.22 20.07 21.46 23.37 25.94 29.24 35.19 72 63 0.00 13.09 16.33 19.16 20.64 21.63 23.12 24.99 27.75 31.52 37.24 73 64 0.00 14.36 17.63 20.43 22.21 23.34 24.93 26.76 29.75 34.01 39.51 74 65 0.00 15.75 19.06 21.82 23.92 25.21 26.91 28.71 31.93 36.74 41.96 75 66 0.00 17.25 20.59 23.31 25.77 27.24 29.05 30.81 34.28 39.69 44.88 76 67 0.00 18.54 22.03 24.87 27.65 29.33 31.33 33.21 36.97 42.90 48.29 77 68 0.00 19.58 23.32 26.46 29.54 31.47 33.73 35.91 39.96 46.37 52.01 78 69 0.00 20.71 24.73 28.20 31.61 33.81 36.33 38.86 43.24 50.16 56.08 79
NRL-5923-8 SMOKER NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM REINSURANCE FOR EACH 25% OF EXCESS MORTALITY MALE SUBSTANDARD RISK AGE LAST BIRTHDAY
POLICY YEAR ISSUE --------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- -------- 0 1.17 0.22 0.15 0.12 0.10 0.09 0.08 0.07 0.07 0.06 0.06 10 1 0.00 0.15 0.12 0.10 0.09 0.08 0.07 0.07 0.06 0.06 0.06 11 2 0.00 0.12 0.10 0.09 0.08 0.07 0.07 0.06 0.06 0.06 0.08 12 3 0.00 0.10 0.09 0.08 0.07 0.07 0.06 0.06 0.06 0.08 0.09 13 4 0.00 0.09 0.08 0.07 0.07 0.06 0.06 0.06 0.08 0.09 0.12 14 5 0.00 0.08 0.07 0.07 0.06 0.06 0.06 0.08 0.09 0.12 0.15 15 6 0.00 0.07 0.07 0.06 0.06 0.06 0.08 0.09 0.12 0.15 0.18 16 7 0.00 0.07 0.06 0.06 0.06 0.08 0.09 0.12 0.15 0.18 0.20 17 8 0.00 0.06 0.06 0.06 0.08 0.09 0.12 0.15 0.18 0.20 0.19 18 9 0.00 0.06 0.06 0.08 0.09 0.12 0.15 0.18 0.20 0.19 0.20 19 10 0.00 0.06 0.08 0.09 0.12 0.15 0.18 0.20 0.19 0.20 0.21 20 11 0.00 0.08 0.09 0.12 0.15 0.18 0.20 0.19 0.20 0.21 0.22 21 12 0.00 0.09 0.12 0.15 0.18 0.20 0.19 0.20 0.21 0.22 0.21 22 13 0.00 0.12 0.15 0.18 0.20 0.19 0.20 0.21 0.22 0.21 0.21 23 14 0.00 0.15 0.18 0.20 0.19 0.20 0.21 0.22 0.21 0.21 0.21 24 15 0.00 0.18 0.20 0.19 0.20 0.21 0.22 0.21 0.21 0.21 0.21 25 16 0.00 0.20 0.19 0.20 0.21 0.22 0.21 0.21 0.21 0.21 0.21 26 17 0.00 0.19 0.20 0.21 0.22 0.21 0.21 0.21 0.21 0.21 0.22 27 18 0.00 0.18 0.19 0.20 0.21 0.20 0.20 0.20 0.20 0.20 0.23 28 19 0.00 0.17 0.18 0.19 0.20 0.19 0.19 0.19 0.20 0.20 0.23 29
NRL-5923-10 NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM REINSURANCE FOR EACH 25% OF EXCESS MORTALITY MALE SUBSTANDARD RISK AGE LAST BIRTHDAY
POLICY YEAR ISSUE --------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- -------- 20 0.00 0.14 0.15 0.16 0.16 0.16 0.16 0.16 0.16 0.17 0.21 30 21 0.00 0.13 0.14 0.15 0.15 0.15 0.15 0.15 0.16 0.17 0.21 31 22 0.00 0.13 0.14 0.14 0.14 0.14 0.14 0.15 0.16 0.17 0.22 32 23 0.00 0.12 0.14 0.14 0.14 0.14 0.15 0.15 0.16 0.18 0.23 33 24 0.00 0.12 0.13 0.14 0.14 0.14 0.15 0.16 0.17 0.19 0.24 34 25 0.00 0.12 0.13 0.14 0.14 0.14 0.15 0.16 0.18 0.20 0.26 35 26 0.00 0.11 0.13 0.13 0.14 0.14 0.15 0.17 0.19 0.21 0.28 36 27 0.00 0.11 0.13 0.14 0.14 0.15 0.16 0.18 0.20 0.23 0.30 37 28 0.00 0.12 0.14 0.15 0.15 0.17 0.18 0.20 0.23 0.26 0.33 38 29 0.00 0.13 0.15 0.16 0.17 0.18 0.20 0.22 0.26 0.29 0.36 39 30 0.00 0.14 0.15 0.17 0.18 0.20 0.22 0.26 0.29 0.33 0.40 40 31 0.00 0.14 0.16 0.18 0.20 0.22 0.24 0.28 0.32 0.36 0.44 41 32 0.00 0.15 0.17 0.20 0.21 0.24 0.27 0.31 0.36 0.40 0.48 42 33 0.00 0.16 0.19 0.21 0.24 0.27 0.30 0.35 0.39 0.44 0.54 43 34 0.00 0.17 0.20 0.23 0.27 0.30 0.34 0.38 0.43 0.49 0.59 44 35 0.00 0.18 0.22 0.26 0.29 0.33 0.37 0.42 0.47 0.54 0.65 45 36 0.00 0.19 0.23 0.28 0.32 0.36 0.41 0.46 0.52 0.59 0.72 46 37 0.00 0.20 0.26 0.31 0.35 0.40 0.45 0.51 0.58 0.65 0.81 47 38 0.00 0.22 0.29 0.34 0.39 0.45 0.50 0.57 0.64 0.72 0.89 48 39 0.00 0.26 0.32 0.38 0.43 0.49 0.56 0.63 0.70 0.80 0.99 49 40 0.00 0.29 0.36 0.42 0.47 0.55 0.62 0.69 0.79 0.88 1.08 50 41 0.00 0.32 0.39 0.47 0.52 0.61 0.68 0.77 0.87 0.96 1.19 51 42 0.00 0.34 0.43 0.51 0.56 0.66 0.75 0.85 0.95 1.05 1.32 52 43 0.00 0.37 0.46 0.55 0.62 0.72 0.83 0.92 1.02 1.14 1.44 53 44 0.00 0.40 0.50 0.60 0.67 0.79 0.90 1.00 1.11 1.23 1.58 54
NRL-5923-11 NORTH AMERICAN REASSURANCE NON REFUND YEARLY RENEWABLE TERM REINSURANCE ADDITIONAL PREMIUM PER $1000 OF ONE YEAR RENEWABLE TERM REINSURANCE FOR EACH 25% OF EXCESS MORTALITY MALE SUBSTANDARD RISK AGE LAST BIRTHDAY
POLICY YEAR ISSUE --------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- -------- 45 0.00 0.42 0.54 0.65 0.74 0.86 0.98 1.09 1.20 1.34 1.73 55 46 0.00 0.45 0.59 0.70 0.81 0.93 1.07 1.19 1.31 1.45 1.91 56 47 0.00 0.49 0.64 0.77 0.88 1.01 1.17 1.31 1.43 1.58 2.09 57 48 0.00 0.53 0.69 0.83 0.94 1.10 1.29 1.43 1.56 1.73 2.28 58 49 0.00 0.57 0.75 0.90 1.01 1.20 1.41 1.56 1.71 1.91 2.51 59 50 0.00 0.62 0.82 0.97 1.09 1.32 1.54 1.71 1.88 2.09 2.74 60 51 0.00 0.67 0.89 1.05 1.17 1.43 1.69 1.88 2.05 2.30 2.98 61 52 0.00 0.72 0.96 1.14 1.26 1.54 1.83 2.02 2.21 2.48 3.22 62 53 0.00 0.77 1.03 1.23 1.37 1.64 1.94 2.14 2.35 2.64 3.48 63 54 0.00 0.82 1.11 1.33 1.47 1.74 2.06 2.28 2.50 2.83 3.76 64 55 0.00 0.87 1.19 1.44 1.59 1.87 2.19 2.43 2.66 3.02 4.07 65 56 0.00 0.93 1.29 1.56 1.71 1.99 2.35 2.59 2.85 3.23 4.41 66 57 0.00 1.00 1.40 1.70 1.87 2.14 2.50 2.76 3.05 3.48 4.76 67 58 0.00 1.09 1.53 1.88 2.06 2.32 2.65 2.95 3.27 3.75 5.16 68 59 0.00 1.19 1.67 2.07 2.26 2.50 2.83 3.15 3.53 4.05 5.60 69 60 0.00 1.31 1.83 2.27 2.49 2.70 3.02 3.38 3.80 4.39 6.06 70 61 0.00 1.43 1.99 2.51 2.72 2.92 3.22 3.61 4.10 4.73 6.53 71 62 0.00 1.56 2.16 2.71 2.97 3.16 3.47 3.88 4.43 5.13 6.98 72 63 0.00 1.71 2.33 2.89 3.19 3.43 3.75 4.16 4.76 5.56 7.47 73 64 0.00 1.89 2.52 3.07 3.45 3.71 4.07 4.48 5.14 6.03 8.01 74 65 0.00 2.08 2.72 3.27 3.72 4.03 4.42 4.82 5.55 6.54 8.59 75 66 0.00 2.28 2.94 3.50 4.02 4.37 4.78 5.20 5.99 7.10 9.23 76 67 0.00 2.49 3.19 3.78 4.38 4.76 5.22 5.66 6.50 7.72 9.92 77 68 0.00 2.70 3.47 4.13 4.78 5.21 5.71 6.21 7.10 8.42 10.70 78 69 0.00 2.94 3.77 4.52 5.22 5.70 6.25 6.80 7.74 9.17 11.54 79
NRL-5923-12 AMENDMENT NO. I To the Reinsurance Agreement Between LIFE INSURANCE COMPANY OF VIRGINIA And NORTH AMERICAN REASSURANCE COMPANY Except as hereinafter specified, all the terms and conditions of the Reinsurance Agreement effective the 1st day of June, 1984, amendments and addenda attached thereto, shall apply, and this Amendment is to be attached to and made a part of the aforesaid Agreement. It is mutually agreed that effective the 1st day of April, 1986, Exhibit D, Corporate Retention Limits of the Ceding Company; Exhibit F, Pool Members and Applicable Percentages of Participation; and Exhibit G, Automatic Binding Limits to the Reinsurance Pool; are revised as attached. IN WITNESS WHEREOF, the Ceding Company and the North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. LIFE INSURANCE COMPANY OF VIRGINIA By /s/ Illegible 2nd V.P. ____ -------------------, ------------- Authorized Offifcer Title Attest: By /s/ Illegible Director Reinsurance Administration -------------------, ----------------------------------- Authorized Officer Title Date: March 3, 1986 NORTH AMERICAN REASSURANCE COMPANY By President -------------------, ------------- Authorized Officer Title Attest: By -------------------, ------------- Authorized Officer Title Date: -1- Pool Members and Applicable Percentages of Participation Company Percentages ------- ----------- AMERICAN UNITED LIFE INSURANCE COMPANY Indianapolis, Indiana 25 CONTINENTAL ASSURANCE COMPANY Chicago, Illinois 25 NORTH AMERICAN REASSURANCE COMPANY New York, New York 25 SECURITY LIFE OF DENVER INSURANCE COMPANY Denver, Colorado 25 EXHIBIT F CORPORATE RETENTION LIMITS OF THE CEDING COMPANY LIFE AGE AMOUNT --- ------ 0 - 70 $500,000 71 - 75 $250,000 76+ 0 NOTE: To avoid ceding minimal amounts of reinsurance, the Ceding Company shall retain any amount above its retention that does not exceed $100,000 for ages 0 through 70 or $50,000 for ages 71 and over. WAIVER OF PREMIUM DISABILITY An amount equal to that attaching to the face amount of Life coverage retained. EXHIBIT D AUTOMATIC BINDING LIMITS TO THE REINSURANCE POOL LIFE A. Standard - Table 4 AGE AMOUNT ----- ------ 0-70 $1,125,000 Each Pool Member ($4,500,000 Total Automatic Pool Coverage) 71-75 $562,500 Each Pool Member ($2,250,000 Total Automatic Pool Coverage) B. Table 5 - Table 16 AGE AMOUNT ----- ------ 0-70 $1,125,000 AUL $1,125,000 CNA $1,125,000 SLD $750,000 NARe ($4,125,000 Total Automatic Pool Coverage) 71-75 $562,500 Each Pool Member ($2,250,000 Total Automatic Pool Coverage) WAIVER OF PREMIUM DISABILITY An equal amount to that attaching to the face amount of Life coverage automatically reinsured. The total WPD that can be reinsured per life is $3,000,000. EXHIBIT G Memorandum Addendum No. V to the Automatic Reinsurance Agreement effective June 1, 1984 between the Life Insurance Company of Virginia and the North American Reassurance Company. Effective June 1, 1989, reinsurance generated on the XPLUS plan, and effective November 1, 1990, reinsurance generated on the XPLUS 2 plan shall be ceded under the above referenced Reinsurance Agreement subject to the same terms and conditions of the Agreement except as provided below: 1. Plan of Reinsurance: A. Reinsurance of Life risks shall be on the risk premium basis. The risk amount on the policy reinsured shall be calculated monthly and shall be equal to the death benefit less the cash value. At the time of issue, the Ceding Company shall cede to the North American Re the portion of the initial risk amount in excess of its retention. Thereafter, the Ceding Company and the North American Re shall keep the same proportionate shares of the risk amount developed each month. 2. Reinsurance Administration: A. Reinsurance shall be ceded using a bordereau format in accordance with the suggested reporting details for Universal Life products as indicated in Exhibit C of the basic Agreement. 3. Reinsurance Premiums: A. Life Premiums i) Until further notice, reinsurance premiums shall be developed as described in the Exhibit B attached to this Memorandum Addendum. The North American Re guarantees that premium rates for a given attained age, rating, and duration shall not exceed the higher of the rate shown in the attached schedule (Exhibit B) for that age, rating, and duration or the one year term rate on the appropriate multiple of the applicable 1980 CSO table at the maximum statutory valuation rate approved in New York state. ii) Reinsurance premiums are calendar month premiums payable at the end of the month in which they become due. 4. Premium Tax Reimbursement: A. The reinsurance premiums for these plans of insurance have been calculated to reflect the Ceding Company's premium tax liability. North American Re shall not make any additional reimbursement for premium taxes. 5. Percentage of Participation: A. North American Re's percentage of participation shall be equal to 20% of 100%. -_- 6. Automatic Binding Limits: A. North American Re's share of automatic coverage shall be equal to: i) Life: Issue Ages Std.-Table 4 Table 5-Table 16 ---------- ------------ ---------------- 00-70 $900,000 $600,000 71-75 450,000 450,000 ii) Waiver of Premium: Same as Life IN WITNESS WHEREOF, the Company and the North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. THE LIFE INSURANCE COMPANY OF VIRGINIA By /s/ Illegible , __ V. P. ------------------------- -------- Authorized Officer Title Attest: By /S/ Illegible , Illegible ------------------------ --------- Authorized Officer Title Date: Illegible NORTH AMERICAN REASSURANCE COMPANY By /s/ Illegible , Sr. V-President ------------------ --------------- Authorized Officer Title Attest: By /s/ Illegible , assistant Secretary ------------------ ------------------- Authorized Officer Title Date: april 26, 1991 -_- MONTHLY RENEWABLE TERM REINSURANCE PREMIUMS I. Plan: XPLUS Flexible Insurance Benifit Rider II. Monthly Reinsurance Risk Premiums: The reinsurance premiums for the above plan and rider will be calculated according to the following formula: .08696 [Y(A+BX)], where: Y = First Year .10 Renewal Years 1.00 A = PREFERRED NONSMOKER .40 per $1,000 STANDARD NONSMOKER .35 PREFERRED SMOKER .45 STANDARD SMOKER .50 B = PREFERRED NONSMOKER 1.35 per $1,000 STANDARD NONSMOKER 1.20 PREFERRED SMOKER 1.30 STANDARD SMOKER 1.05 X = The mortality rates attached to this Exhibit B. III. Maximum Amount Of Reinsurance On One Life On These Reinsurance Premiums: $5,000,000. For the excess amount over $5,000,000 rate schedule NRN-5833, which is attached to the basic agreement, will apply. The nonsmoker rates in schedule NRN-5833 will be used for both preferred nonsmoker and standard nonsmokers. The smoker rates will be used for both preferred smoker and standard smokers. Monthly reinsurance premiums will be developed my multiplying the annual premiums by the monthly factor .08696. IV. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B Page 1 of 3 MONTHLY RENEWABLE TERM REINSURANCE PREMIUMS I. Plan: XPLUS 2 Term Insurance Rider on Primary Insured Additional Insured Term Rider II. Monthly Reinsurance Risk Premiums: The reinsurance premiums for the above plan and riders will be calculated according to the following formula: .08696 [Y(A+BX)], where: Y = First Year .10 Renewal Years 1.00 A = PREFERRED NONSMOKER .40 per $1,000 STANDARD NONSMOKER .30 PREFERRED SMOKER .45 STANDARD SMOKER .50 B = PREFERRED NONSMOKER 1.30 per $1,000 STANDARD NONSMOKER 1.15 PREFERRED SMOKER 1.28 STANDARD SMOKER 1.03 X = The mortality rates attached to this Exhibit B. III. Multiple Table Substandard Reinsurance Risk Premiums: The reinsurance premiums for substandard risks rated on a multiple mortality table basis shall be equal to a multiple of the standard rate proportionate to the mortality classification. Thus the premium for a Class D (200%) risk shall be equal to twice the standard premium. IV. Maximum Amount Of Reinsurance On One Life On These Reinsurance Premiums: $5,000,000. For the excess amount over $5,000,000 rate schedule NRN-5833, which is attached to the basic agreement, will apply. The nonsmoker rates in schedule NRN-5833 will be used for both preferred nonsmoker and standard nonsmokers. The smoker rates will be used for both preferred smoker and standard smokers. Monthly reinsurance premiums will be developed my multiplying the annual premiums by the monthly factor .08696. EXHIBIT B Page 2 of 3 V. Flat Extra Substandard Reinsurance Premiums: a) Permanent Flat Extra Premiums are ones assessed for more than 5 years. North American Re should receive its proportionate share of any such premiums less the following percentage premium reductions: First Year 90% Renewal Years 0 b) Temporary Flat Extra Premiums are ones assessed for 5 years or less. North American Re should receive its proportionate share of any such premiums less a 10% reduction in all policy years. VI. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B Page 3 of 3 1987 MORTALITY ASSUMPTION PER 1000 MPNM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 -- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 0.839 15 0.693 0.830 0.954 1.055 1.124 1.162 0.834 0.792 16 0.840 0.963 1.021 1.078 1.113 0.818 0.788 0.755 17 0.966 1.023 1.048 1.072 0.801 0.770 0.743 0.716 18 0.966 1.011 1.034 0.765 0.762 0.720 0.692 0.667 19 0.924 0.979 0.725 0.715 0.701 0.659 0.635 0.611 20 0.861 0.670 0.675 0.661 0.640 0.588 0.578 0.557 21 0.554 0.610 0.632 0.624 0.605 0.567 0.579 0.572 22 0.484 0.540 0.567 0.556 0.539 0.519 0.514 0.510 23 0.430 0.475 0.503 0.494 0.487 0.465 0.463 0.460 24 0.373 0.412 0.439 0.444 0.435 0.423 0.416 0.421 25 0.332 0.364 0.396 0.400 0.405 0.393 0.395 0.405 26 0.307 0.340 0.365 0.376 0.386 0.387 0.394 0.402 27 0.299 0.321 0.348 0.364 0.380 0.392 0.401 0.414 28 0.298 0.321 0.342 0.364 0.385 0.400 0.414 0.440 29 0.307 0.325 0.348 0.375 0.400 0.419 0.447 0.470 30 0.313 0.336 0.364 0.385 0.414 0.447 0.469 0.507 31 0.316 0.348 0.370 0.400 0.434 0.464 0.500 0.543 32 0.320 0.352 0.382 0.417 0.448 0.489 0.535 0.587 33 0.313 0.352 0.392 0.429 0.474 0.520 0.575 0.629 34 0.299 0.350 0.392 0.441 0.494 0.548 0.605 0.666 35 0.301 0.356 0.411 0.472 0.530 0.591 0.653 0.724 36 0.304 0.376 0.443 0.514 0.583 0.650 0.726 0.805 37 0.321 0.402 0.482 0.565 0.644 0.721 0.805 0.893 38 0.344 0.439 0.535 0.626 0.716 0.801 0.891 0.997 39 0.375 0.489 0.594 0.697 0.794 0.889 0.993 1.115 40 0.412 0.543 0.663 0.779 0.879 0.985 1.109 1.244 41 0.450 0.599 0.740 0.863 0.977 1.100 1.230 1.375 42 0.489 0.659 0.810 0.952 1.086 1.218 1.359 1.518 43 0.528 0.714 0.886 1.048 1.196 1.340 1.491 1.663 44 0.566 0.773 0.969 1.148 1.305 1.463 1.628 1.810 45 0.611 0.841 1.055 1.255 1.427 1.599 1.778 1.980 46 0.660 0.909 1.146 1.371 1.568 1.754 1.956 2.180 47 0.709 0.989 1.252 1.504 1.733 1.946 2.165 2.417 48 0.759 1.077 1.375 1.656 1.934 2.178 2.426 2.715 49 0.814 1.175 1.511 1.838 2.158 2.445 2.741 3.068 50 0.870 1.285 1.667 2.033 2.398 2.741 3.087 3.457 51 0.930 1.407 1.837 2.244 2.655 3.053 3.446 3.842 52 0.999 1.537 2.016 2.471 2.919 3.361 3.783 4.234 53 1.072 1.672 2.207 2.699 3.185 3.640 4.108 4.599 54 1.156 1.820 2.405 2.935 3.440 3.923 4.417 4.948 55 1.249 1.985 2.625 3.182 3.723 4.219 4.730 5.301 56 1.362 2.172 2.866 3.475 4.031 4.538 5.079 5.696 57 1.499 2.389 3.161 3.811 4.375 4.912 5.496 6.154 58 1.658 2.661 3.513 4.206 4.798 5.382 6.008 6.696 59 1.856 2.978 3.916 4.666 5.315 5.949 6.610 7.322 60 2.081 3.330 4.364 5.183 5.914 6.589 7.286 8.030 61 2.339 3.709 4.844 5.753 6.557 7.278 8.020 8.839 62 2.631 4.104 5.339 6.357 7.214 8.000 8.821 9.717 63 2.959 4.562 5.890 6.988 7.885 8.742 9.632 10.623 64 3.330 5.098 6.514 7.651 8.599 9.510 10.473 11.563 65 3.743 5.668 7.178 8.346 9.360 10.345 11.392 12.633 66 4.191 6.233 7.833 9.061 10.182 11.276 12.474 13.860 67 4.690 6.750 8.420 9.792 11.078 12.362 13.733 15.378 68 5.232 7.227 8.961 10.526 12.065 13.600 15.290 17.246 69 5.825 7.709 9.494 11.284 13.116 15.040 17.125 19.506 70 6.466 8.173 10.026 12.033 14.253 16.632 19.243 22.134 71 7.104 8.988 11.012 13.212 15.615 18.214 21.072 24.231 72 7.809 9.871 12.090 14.478 17.106 19.950 23.074 26.519 73 8.564 10.824 13.232 15.838 18.709 21.814 25.214 28.984 74 9.241 11.655 14.238 17.040 20.126 23.456 27.115 31.164 75 9.771 12.316 15.048 18.005 21.254 24.771 28.633 32.891 76 10.210 12.868 15.718 18.799 22.192 25.862 29.877 34.310 77 10.658 13.429 16.397 19.612 23.148 26.961 31.138 35.745 78 11.350 14.295 17.455 20.875 24.624 28.673 33.104 37.989 79 12.368 15.578 19.019 22.732 26.808 31.205 36.015 41.310 80 13.419 16.899 20.620 24.638 29.046 33.798 38.990 44.709 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE -- ------ ------ ------ ------ ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.011 21 7 0.683 0.838 0.996 1.139 1.254 1.306 0.990 0.973 22 8 0.842 0.998 1.138 1.250 1.299 0.973 0.954 0.946 23 9 1.001 1.139 1.248 1.294 0.959 0.939 0.929 0.926 24 10 1.139 1.246 1.291 0.946 0.925 0.915 0.911 0.893 25 11 1.223 1.262 0.914 0.890 0.877 0.871 0.851 0.839 26 12 1.231 0.879 0.854 0.838 0.829 0.807 0.794 0.768 27 13 0.856 0.819 0.801 0.789 0.765 0.748 0.721 0.727 28 14 0.801 0.773 0.759 0.733 0.715 0.687 0.690 0.689 29 15 0.761 0.730 0.709 0.688 0.658 0.660 0.656 0.648 30 16 0.723 0.693 0.664 0.640 0.640 0.635 0.626 0.620 31 17 0.685 0.655 0.629 0.629 0.624 0.614 0.607 0.587 32 18 0.643 0.622 0.587 0.593 0.589 0.588 0.577 0.547 33 19 0.597 0.574 0.549 0.558 0.562 0.566 0.546 0.527 34 20 0.543 0.535 0.508 0.524 0.529 0.529 0.522 0.512 35 21 0.579 0.583 0.562 0.562 0.550 0.539 0.534 0.505 36 22 0.517 0.531 0.525 0.515 0.516 0.521 0.515 0.505 37 23 0.470 0.490 0.487 0.486 0.503 0.509 0.514 0.534 38 24 0.437 0.452 0.465 0.472 0.490 0.512 0.539 0.570 39 25 0.417 0.436 0.460 0.473 0.505 0.547 0.581 0.620 40 26 0.418 0.446 0.468 0.498 0.542 0.594 0.639 0.682 41 27 0.439 0.464 0.495 0.540 0.593 0.652 0.705 0.751 42 28 0.462 0.497 0.537 0.588 0.645 0.712 0.772 0.836 43 29 0.503 0.553 0.599 0.649 0.711 0.781 0.854 0.928 44 30 0.553 0.609 0.659 0.715 0.780 0.862 0.941 1.038 45 31 0.602 0.660 0.716 0.780 0.858 0.947 1.043 1.163 46 32 0.648 0.714 0.779 0.858 0.943 1.049 1.168 1.309 47 33 0.695 0.770 0.849 0.935 1.044 1.176 1.316 1.469 48 34 0.736 0.816 0.907 1.015 1.154 1.312 1.468 1.659 49 35 0.805 0.886 0.996 1.128 1.289 1.465 1.646 1.873 50 36 0.888 0.984 1.114 1.263 1.441 1.642 1.850 2.094 51 37 0.991 1.103 1.246 1.407 1.604 1.832 2.069 2.326 52 38 1.110 1.235 1.384 1.562 1.777 2.032 2.316 2.600 53 39 1.244 1.374 1.538 1.729 1.964 2.257 2.596 2.916 54 40 1.383 1.532 1.706 1.912 2.178 2.512 2.910 3.307 55 41 1.533 1.698 1.890 2.126 2.426 2.805 3.271 3.769 56 42 1.692 1.877 2.102 2.377 2.715 3.148 3.679 4.291 57 43 1.848 2.074 2.340 2.662 3.056 3.540 4.137 4.814 58 44 2.015 2.286 2.605 2.989 3.443 3.988 4.608 5.397 59 45 2.204 2.523 2.908 3.355 3.879 4.456 5.158 6.005 60 46 2.432 2.797 3.241 3.757 4.330 4.995 5.765 6.663 61 47 2.727 3.117 3.616 4.173 4.840 5.587 6.437 7.401 62 48 3.077 3.487 4.006 4.642 5.388 6.226 7.187 8.260 63 49 3.467 3.881 4.456 5.149 5.975 6.927 8.020 9.241 64 50 3.859 4.323 4.935 5.689 6.610 7.688 8.937 10.315 65 51 4.283 4.787 5.458 6.305 7.351 8.604 10.051 11.663 66 52 4.711 5.261 6.031 7.007 8.229 9.692 11.402 13.322 67 53 5.131 5.739 6.620 7.735 9.110 10.760 12.717 15.042 68 54 5.550 6.235 7.262 8.558 10.134 12.028 14.393 17.084 69 55 5.988 6.760 7.931 9.403 11.178 13.383 16.078 19.080 70 56 6.450 7.318 8.654 10.326 12.395 14.892 17.969 21.469 71 57 6.940 7.929 9.424 11.341 13.650 16.441 19.872 23.907 72 58 7.498 8.607 10.309 12.443 15.033 18.163 22.030 26.340 73 59 8.166 9.402 11.304 13.705 16.660 20.282 24.543 29.449 74 60 8.967 10.288 12.374 15.019 18.340 22.283 27.047 32.448 75 61 9.859 11.274 13.590 16.565 20.222 24.732 30.078 36.267 76 62 10.840 12.373 14.920 18.103 22.167 27.130 33.050 39.983 77 63 11.865 13.556 16.314 19.881 24.417 30.017 36.689 44.671 78 64 12.967 14.767 17.839 21.790 26.882 33.176 40.666 49.769 79 65 14.170 16.166 19.543 23.947 29.626 36.661 45.024 55.186 80 66 15.622 17.804 21.551 26.438 32.724 40.501 49.800 60.839 81 67 17.384 19.812 23.969 29.349 36.231 44.765 55.031 67.040 82 68 19.580 22.285 26.891 32.751 40.222 49.483 60.721 73.762 83 69 22.222 25.236 30.316 36.670 44.694 54.638 66.888 81.449 84 70 25.286 28.631 34.245 41.081 49.626 60.251 73.546 89.994 85 71 27.670 31.335 37.565 45.138 54.623 66.417 81.186 99.462 86 72 30.289 34.292 41.285 49.819 60.508 73.824 90.508 111.185 87 73 33.096 37.448 45.298 54.878 66.895 81.866 100.665 124.774 88 74 35.565 40.234 48.763 59.182 72.256 88.556 109.650 136.123 89 75 37.527 42.435 51.539 62.661 76.616 94.528 117.243 145.811 90 76 39.130 44.234 53.700 65.264 80.156 98.903 122.716 152.647 91 77 40.753 46.048 55.884 68.185 83.751 103.379 128.295 159.617 92 78 43.291 48.900 59.548 72.662 89.285 110.232 136.825 168.827 93 79 47.061 53.313 64.927 79.257 97.408 120.283 148.146 182.794 94 80 51.055 57.843 70.471 86.041 105.766 129.659 159.693 197.022 95
1987 MORTALITY ASSUMPTION PER 1000 MNSM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 -- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.213 15 0.693 0.830 0.954 1.055 1.124 1.162 1.204 1.144 16 0.840 0.963 1.021 1.078 1.113 1.181 1.138 1.091 17 0.966 1.023 1.048 1.072 1.157 1.112 1.073 1.034 18 0.966 1.011 1.034 1.105 1.100 1.039 0.999 0.963 19 0.924 0.979 1.047 1.033 1.013 0.952 0.917 0.882 20 0.861 0.967 0.975 0.955 0.924 0.850 0.835 0.805 21 0.800 0.881 0.913 0.902 0.874 0.819 0.836 0.826 22 0.699 0.780 0.819 0.803 0.779 0.749 0.742 0.737 23 0.621 0.686 0.727 0.713 0.703 0.672 0.669 0.664 24 0.538 0.595 0.633 0.641 0.629 0.612 0.601 0.609 25 0.480 0.525 0.572 0.578 0.585 0.568 0.570 0.585 26 0.444 0.490 0.528 0.543 0.557 0.559 0.569 0.581 27 0.432 0.464 0.503 0.525 0.549 0.566 0.579 0.598 28 0.431 0.463 0.494 0.525 0.556 0.577 0.597 0.635 29 0.444 0.469 0.502 0.541 0.577 0.605 0.645 0.680 30 0.452 0.485 0.525 0.557 0.598 0.646 0.677 0.732 31 0.456 0.502 0.535 0.578 0.627 0.671 0.722 0.784 32 0.462 0.508 0.552 0.602 0.648 0.706 0.773 0.847 33 0.452 0.509 0.566 0.619 0.684 0.751 0.830 0.909 34 0.432 0.506 0.566 0.637 0.713 0.791 0.873 0.962 35 0.435 0.515 0.594 0.682 0.766 0.854 0.944 1.046 36 0.438 0.544 0.640 0.742 0.843 0.939 1.049 1.163 37 0.464 0.580 0.697 0.816 0.930 1.042 1.163 1.290 38 0.497 0.634 0.772 0.905 1.034 1.158 1.287 1.440 39 0.541 0.706 0.858 1.007 1.147 1.284 1.434 1.610 40 0.595 0.784 0.957 1.126 1.270 1.423 1.602 1.797 41 0.650 0.865 1.068 1.246 1.412 1.588 1.777 1.986 42 0.706 0.952 1.170 1.374 1.569 1.760 1.964 2.192 43 0.763 1.031 1.280 1.513 1.727 1.935 2.154 2.402 44 0.818 1.116 1.399 1.658 1.885 2.114 2.352 2.615 45 0.883 1.214 1.524 1.813 2.061 2.310 2.568 2.860 46 0.953 1.313 1.655 1.981 2.265 2.534 2.826 3.149 47 1.025 1.428 1.809 2.172 2.503 2.811 3.128 3.491 48 1.097 1.556 1.986 2.392 2.794 3.146 3.504 3.921 49 1.176 1.697 2.182 2.654 3.117 3.531 3.959 4.431 50 1.256 1.856 2.408 2.937 3.463 3.960 4.459 4.993 51 1.343 2.033 2.653 3.241 3.836 4.410 4.977 5.550 52 1.444 2.221 2.912 3.569 4.216 4.855 5.464 6.116 53 1.549 2.416 3.188 3.898 4.600 5.257 5.934 6.644 54 1.670 2.629 3.473 4.239 4.969 5.666 6.380 7.148 55 1.804 2.867 3.792 4.596 5.377 6.094 6.833 7.656 56 1.967 3.137 4.140 5.019 5.823 6.554 7.337 8.227 57 2.165 3.450 4.566 5.505 6.319 7.096 7.939 8.889 58 2.396 3.844 5.074 6.076 6.930 7.774 8.678 9.672 59 2.681 4.302 5.657 6.740 7.677 8.593 9.547 10.576 60 3.005 4.811 6.304 7.487 8.542 9.517 10.524 11.599 61 3.379 5.358 6.996 8.310 9.471 10.513 11.585 12.767 62 3.800 5.928 7.712 9.182 10.421 11.555 12.742 14.035 63 4.274 6.589 8.508 10.094 11.390 12.627 13.913 15.345 64 4.811 7.364 9.409 11.051 12.420 13.737 15.128 16.702 65 5.406 8.187 10.368 12.056 13.520 14.942 16.455 18.248 66 6.053 9.004 11.315 13.089 14.708 16.287 18.018 20.021 67 6.774 9.750 12.162 14.145 16.001 17.857 19.836 22.212 68 7.558 10.439 12.943 15.205 17.427 19.644 22.086 24.910 69 8.414 11.135 13.714 16.299 18.945 21.725 24.737 28.175 70 9.340 11.805 14.482 17.381 20.588 24.024 27.796 31.971 71 10.262 12.982 15.906 19.083 22.555 26.310 30.438 35.000 72 11.279 14.258 17.463 20.912 24.708 28.817 33.330 38.306 73 12.370 15.635 19.113 22.876 27.024 31.509 36.420 41.866 74 13.348 16.835 20.566 24.613 29.071 33.881 39.167 45.015 75 14.114 17.790 21.735 26.008 30.701 35.781 41.359 47.510 76 14.748 18.587 22.704 27.154 32.055 37.357 43.156 49.559 77 15.395 19.397 23.684 28.329 33.436 38.944 44.978 51.632 78 16.394 20.649 25.213 30.153 35.568 41.417 47.817 54.873 79 17.865 22.502 27.472 32.835 38.722 45.074 52.021 59.671 80 19.383 24.410 29.784 35.589 41.955 48.820 56.319 64.579 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE -- ------ ------ ------ ------- ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.224 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.235 1.178 22 8 0.842 0.998 1.138 1.250 1.299 1.251 1.191 1.145 23 9 1.001 1.139 1.248 1.294 1.270 1.207 1.159 1.122 24 10 1.139 1.246 1.291 1.291 1.225 1.176 1.137 1.081 25 11 1.223 1.262 1.282 1.214 1.162 1.120 1.062 1.016 26 12 1.231 1.270 1.198 1.143 1.098 1.038 0.990 0.930 27 13 1.236 1.183 1.124 1.076 1.013 0.962 0.900 0.880 28 14 1.157 1.116 1.065 0.999 0.946 0.883 0.861 0.834 29 15 1.099 1.055 0.995 0.939 0.872 0.848 0.819 0.785 30 16 1.044 1.001 0.933 0.872 0.847 0.817 0.781 0.750 31 17 0.989 0.946 0.883 0.857 0.826 0.789 0.758 0.711 32 18 0.928 0.898 0.823 0.809 0.781 0.756 0.720 0.662 33 19 0.862 0.829 0.770 0.761 0.745 0.728 0.682 0.638 34 20 0.784 0.773 0.713 0.715 0.701 0.680 0.651 0.620 35 21 0.837 0.843 0.789 0.767 0.729 0.693 0.666 0.611 36 22 0.747 0.767 0.737 0.703 0.683 0.669 0.643 0.612 37 23 0.678 0.707 0.683 0.662 0.666 0.655 0.641 0.647 38 24 0.631 0.652 0.653 0.643 0.649 0.658 0.673 0.690 39 25 0.602 0.629 0.646 0.645 0.669 0.703 0.725 0.750 40 26 0.604 0.644 0.656 0.679 0.718 0.764 0.797 0.825 41 27 0.634 0.670 0.695 0.736 0.785 0.838 0.879 0.909 42 28 0.668 0.718 0.754 0.802 0.854 0.916 0.964 1.012 43 29 0.727 0.799 0.841 0.886 0.942 1.004 1.066 1.123 44 30 0.799 0.880 0.925 0.975 1.034 1.108 1.174 1.256 45 31 0.869 0.953 1.006 1.064 1.136 1.217 1.302 1.408 46 32 0.936 1.032 1.093 1.169 1.248 1.349 1.458 1.585 47 33 1.004 1.112 1.192 1.275 1.382 1.512 1.642 1.778 48 34 1.063 1.179 1.273 1.384 1.528 1.687 1.831 2.008 49 35 1.162 1.280 1.398 1.539 1.707 1.883 2.054 2.267 50 36 1.283 1.422 1.564 1.723 1.908 2.112 2.308 2.535 51 37 1.431 1.593 1.750 1.918 2.124 2.356 2.582 2.816 52 38 1.604 1.784 1.943 2.130 2.353 2.612 2.889 3.148 53 39 1.798 1.985 2.158 2.358 2.601 2.902 3.240 3.530 54 40 1.997 2.212 2.394 2.607 2.885 3.230 3.631 4.003 55 41 2.214 2.452 2.652 2.899 3.212 3.607 4.082 4.562 56 42 2.444 2.711 2.951 3.241 3.595 4.047 4.591 5.194 57 43 2.669 2.996 3.285 3.630 4.047 4.551 5.162 5.828 58 44 2.910 3.302 3.657 4.076 4.560 5.127 5.750 6.533 59 45 3.183 3.645 4.081 4.575 5.137 5.729 6.436 7.270 60 46 3.513 4.040 4.549 5.123 5.734 6.422 7.194 8.066 61 47 3.939 4.503 5.075 5.690 6.409 7.184 8.032 8.959 62 48 4.445 5.036 5.623 6.330 7.136 8.005 8.968 9.999 63 49 5.008 5.605 6.255 7.021 7.912 8.906 10.008 11.187 64 50 5.573 6.244 6.928 7.757 8.754 9.884 11.151 12.486 65 51 6.187 6.915 7.661 8.597 9.736 11.063 12.541 14.118 66 52 6.804 7.600 8.465 9.556 10.898 12.462 14.227 16.127 67 53 7.412 8.290 9.292 10.547 12.065 13.834 15.868 18.209 68 54 8.016 9.006 10.194 11.670 13.420 15.464 17.960 20.681 69 55 8.650 9.764 11.133 12.823 14.803 17.207 20.062 23.097 70 56 9.317 10.571 12.148 14.081 16.415 19.147 22.422 25.989 71 57 10.024 11.453 13.228 15.465 18.077 21.138 24.796 28.940 72 58 10.831 12.433 14.470 16.968 19.908 23.353 27.489 31.886 73 59 11.795 13.581 15.867 18.689 22.063 26.077 30.624 35.649 74 60 12.952 14.860 17.369 20.480 24.289 28.650 33.749 39.279 75 61 14.241 16.285 19.076 22.589 26.780 31.798 37.531 43.902 76 62 15.657 17.872 20.943 24.686 29.357 34.881 41.239 48.400 77 63 17.138 19.581 22.900 27.111 32.335 38.593 45.780 54.076 78 64 18.730 21.330 25.041 29.714 35.601 42.655 50.743 60.247 79 65 20.468 23.351 27.431 32.655 39.235 47.135 56.180 66.804 80 66 22.565 25.718 30.250 36.051 43.337 52.073 62.140 73.647 81 67 25.110 28.617 33.645 40.021 47.982 57.555 68.667 81.154 82 68 28.283 32.189 37.746 44.661 53.267 63.621 75.767 89.290 83 69 32.098 36.452 42.554 50.004 59.189 70.249 83.462 98.596 84 70 36.524 41.356 48.068 56.020 65.721 77.465 91.770 108.940 85 71 39.967 45.262 52.729 61.552 72.339 85.394 101.303 120.401 86 72 43.750 49.532 57.951 67.935 80.133 94.917 112.935 134.593 87 73 47.806 54.092 63.583 74.833 88.591 105.256 125.608 151.042 88 74 51.371 58.116 68.447 80.703 95.690 113.857 136.820 164.781 89 75 54.206 61.295 72.344 85.447 101.465 121.536 146.294 176.507 90 76 56.521 63.893 75.377 88.996 106.153 127.161 153.124 184.783 91 77 58.865 66.514 78.442 92.979 110.914 132.916 160.085 193.221 92 78 62.532 70.634 83.586 99.084 118.243 141.727 170.729 204.369 93 79 67.977 77.008 91.136 108.078 128.999 154.650 184.854 221.277 94 80 73.746 83.550 98.918 117.329 140.069 166.704 199.263 238.501 95
1987 MORTALITY ASSUMPTION PER 1000 MPSM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 -- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.220 15 0.693 0.830 0.954 1.055 1.124 1.162 1.211 1.168 16 0.840 0.963 1.021 1.078 1.113 1.188 1.162 1.130 17 0.966 1.023 1.048 1.072 1.164 1.136 1.112 1.088 18 0.966 1.011 1.034 1.112 1.124 1.077 1.052 1.035 19 0.924 0.979 1.053 1.055 1.049 1.003 0.986 0.966 20 0.861 0.973 0.996 0.990 0.973 0.914 0.914 0.903 21 0.805 0.900 0.946 0.949 0.940 0.896 0.937 0.950 22 0.714 0.808 0.862 0.864 0.853 0.840 0.854 0.874 23 0.643 0.722 0.781 0.781 0.788 0.773 0.793 0.824 24 0.567 0.640 0.694 0.718 0.723 0.725 0.746 0.778 25 0.516 0.575 0.641 0.665 0.693 0.705 0.728 0.764 26 0.486 0.550 0.607 0.644 0.691 0.715 0.742 0.778 27 0.485 0.534 0.596 0.651 0.701 0.738 0.776 0.818 28 0.495 0.549 0.612 0.671 0.726 0.773 0.818 0.875 29 0.526 0.582 0.642 0.706 0.773 0.828 0.888 0.955 30 0.560 0.621 0.685 0.746 0.820 0.890 0.952 1.038 31 0.583 0.656 0.717 0.792 0.863 0.943 1.023 1.129 32 0.602 0.680 0.756 0.829 0.910 1.000 1.113 1.233 33 0.605 0.697 0.779 0.870 0.970 1.081 1.208 1.342 34 0.592 0.697 0.796 0.903 1.027 1.151 1.289 1.437 35 0.599 0.724 0.842 0.982 1.115 1.261 1.410 1.575 36 0.616 0.771 0.922 1.080 1.244 1.404 1.580 1.764 37 0.658 0.836 1.014 1.204 1.389 1.570 1.764 1.977 38 0.716 0.922 1.140 1.352 1.558 1.757 1.973 2.219 39 0.788 1.042 1.282 1.517 1.741 1.968 2.211 2.470 40 0.878 1.172 1.442 1.708 1.948 2.194 2.458 2.746 41 0.970 1.303 1.621 1.910 2.176 2.437 2.715 3.022 42 1.064 1.445 1.795 2.119 2.407 2.690 2.989 3.324 43 1.158 1.580 1.974 2.321 2.640 2.946 3.266 3.619 44 1.254 1.720 2.147 2.534 2.870 3.205 3.544 3.910 45 1.361 1.863 2.329 2.759 3.125 3.481 3.840 4.218 46 1.463 2.006 2.519 3.003 3.413 3.789 4.169 4.593 47 1.566 2.174 2.743 3.273 3.743 4.146 4.562 5.025 48 1.669 2.359 2.993 3.577 4.121 4.588 5.043 5.550 49 1.783 2.557 3.262 3.916 4.546 5.083 5.603 6.162 50 1.893 2.775 3.552 4.283 4.985 5.604 6.200 6.816 51 2.008 2.998 3.869 4.666 5.429 6.132 6.794 7.449 52 2.130 3.238 4.193 5.052 5.863 6.628 7.334 8.014 53 2.259 3.478 4.512 5.421 6.279 7.056 7.776 8.507 54 2.403 3.721 4.830 5.787 6.669 7.425 8.169 8.970 55 2.554 3.987 5.176 6.168 7.046 7.804 8.575 9.419 56 2.735 4.282 5.557 6.577 7.456 8.226 9.026 9.922 57 2.955 4.631 5.983 7.050 7.931 8.730 9.575 10.498 58 3.215 5.037 6.497 7.625 8.526 9.376 10.249 11.188 59 3.513 5.509 7.099 8.292 9.258 10.149 11.044 11.976 60 3.848 6.037 7.756 9.029 10.089 11.009 11.917 12.851 61 4.240 6.592 8.438 9.014 10.955 11.904 12.835 13.826 62 4.676 7.149 9.108 10.621 11.800 12.802 13.798 14.855 63 5.155 7.782 9.841 11.430 12.619 13.675 14.725 15.864 64 5.682 8.519 10.654 12.244 13.451 14.539 15.639 16.855 65 6.253 9.270 11.487 13.056 14.309 15.448 16.606 17.966 66 6.854 9.975 12.254 13.853 15.205 16.437 17.740 19.221 67 7.505 10.559 12.872 14.623 16.148 17.581 19.044 20.777 68 8.184 11.048 13.381 15.345 17.158 18.859 20.659 22.842 69 8.905 11.511 13.840 16.047 18.188 20.322 22.683 25.313 70 9.655 11.914 14.258 16.687 19.258 22.029 24.972 28.133 71 10.356 12.782 15.270 17.851 20.682 23.637 26.784 30.152 72 11.105 13.688 16.335 19.176 22.198 25.358 28.713 32.293 73 11.876 14.625 17.526 20.552 23.781 27.144 30.703 34.524 74 12.486 15.437 18.477 21.659 25.044 28.562 32.298 36.286 75 12.942 15.983 19.126 22.405 25.882 29.506 33.339 37.423 76 13.249 16.356 19.559 22.892 26.433 30.113 33.994 38.124 77 13.547 16.711 19.967 23.361 26.952 30.676 34.600 38.762 78 14.123 17.408 20.792 24.305 28.016 31.860 35.898 40.182 79 15.061 18.556 22.145 25.864 29.787 33.838 38.094 42.595 80 15.984 19.676 23.460 27.377 31.497 35.750 40.203 44.910 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE -- ------ ------ ------ ------ ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.566 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.517 1.530 22 8 0.842 0.998 1.138 1.250 1.299 1.477 1.486 1.509 23 9 1.001 1.139 1.248 1.294 1.441 1.447 1.468 1.502 24 10 1.139 1.246 1.291 1.406 1.412 1.431 1.463 1.478 25 11 1.223 1.262 1.343 1.343 1.357 1.384 1.394 1.414 26 12 1.231 1.278 1.274 1.283 1.304 1.310 1.324 1.326 27 13 1.243 1.209 1.213 1.227 1.228 1.236 1.233 1.287 28 14 1.181 1.157 1.167 1.164 1.168 1.162 1.210 1.256 29 15 1.139 1.111 1.114 1.113 1.102 1.145 1.185 1.237 30 16 1.099 1.076 1.063 1.059 1.099 1.135 1.183 1.220 31 17 1.063 1.036 1.031 1.069 1.103 1.149 1.183 1.179 32 18 1.016 1.007 0.986 1.038 1.092 1.133 1.148 1.128 33 19 0.966 0.954 0.950 1.022 1.073 1.115 1.115 1.111 34 20 0.902 0.915 0.921 0.990 1.032 1.069 1.090 1.085 35 21 0.991 1.045 1.050 1.084 1.101 1.114 1.120 1.093 36 22 0.926 0.980 1.001 1.020 1.054 1.081 1.104 1.103 37 23 0.867 0.923 0.953 0.982 1.033 1.080 1.110 1.185 38 24 0.823 0.874 0.930 0.960 1.029 1.095 1.184 1.278 39 25 0.807 0.862 0.925 0.982 1.069 1.189 1.289 1.408 40 26 0.827 0.887 0.960 1.043 1.166 1.305 1.43_ 1.568 41 27 0.873 0.942 1.026 1.149 1.289 1.451 1.605 1.742 42 28 0.938 1.017 1.131 1.264 1.421 1.606 1.774 1.953 43 29 1.030 1.151 1.274 1.416 1.587 1.776 1.976 2.189 44 30 1.151 1.280 1.421 1.578 1.756 1.973 2.198 2.463 45 31 1.264 1.407 1.564 1.737 1.944 2.190 2.451 2.747 46 32 1.382 1.541 1.714 1.922 2.158 2.440 2.732 3.080 47 33 1.500 1.675 1.882 2.118 2.403 2.723 3.066 3.442 48 34 1.601 1.789 2.032 2.311 2.644 3.025 3.405 3.872 49 35 1.764 1.963 2.244 2.557 2.942 3.364 3.805 4.345 50 36 1.967 2.192 2.497 2.852 3.274 3.758 4.249 4.820 51 37 2.206 2.444 2.783 3.163 3.632 4.166 4.717 5.283 52 38 2.461 2.727 3.079 3.498 3.998 4.584 5.207 5.838 53 39 2.747 3.021 3.406 3.849 4.386 5.024 5.772 6.463 54 40 3.040 3.354 3.755 4.223 4.798 5.528 6.386 7.205 55 41 3.357 3.696 4.128 4.633 5.283 6.093 7.057 8.068 56 42 3.684 4.053 4.531 5.121 5.835 6.722 7.798 9.016 57 43 3.991 4.420 4.986 5.661 6.458 7.427 8.608 9.947 58 44 4.293 4.815 5.479 6.250 7.149 8.214 9.428 10.887 59 45 4.642 5.247 6.013 6.891 7.906 9.024 10.302 11.839 60 46 5.057 5.719 6.583 7.576 8.677 9.875 11.253 12.874 61 47 5.576 6.261 7.211 8.273 9.470 10.796 12.315 14.017 62 48 6.181 6.875 7.855 8.986 10.303 11.791 13.478 15.336 63 49 6.836 7.523 8.531 9.739 11.196 12.860 14.744 16.803 64 50 7.480 8.182 9.234 10.546 12.143 13.990 16.089 18.368 65 51 8.107 8.855 10.008 11.459 13.239 15.334 17.723 20.331 66 52 8.713 9.538 10.840 12.485 14.513 16.918 19.680 22.722 67 53 9.302 10.199 11.664 13.495 15.737 18.384 21.477 25.078 68 54 9.862 10.862 12.531 14.624 17.134 20.107 23.760 27.836 69 55 10.431 11.532 13.404 15.730 18.493 21.869 25.939 30.367 70 56 11.003 12.228 14.318 16.900 20.044 23.783 28.317 33.355 71 57 11.596 12.969 15.253 18.143 21.573 25.647 30.570 36.235 72 58 12.265 13.774 16.311 19.455 23.207 27.659 33.062 38.930 73 59 13.068 14.708 17.479 20.931 25.106 30.132 35.917 42.407 74 60 14.027 15.728 18.690 22.391 26.963 32.280 38.565 45.806 75 61 15.073 16.836 20.037 24.094 28.989 34.908 42.043 50.160 76 62 16.187 18.036 21.461 25.674 30.963 37.539 45.261 54.164 77 63 17.295 19.278 22.883 27.473 33.433 40.692 49.213 59.245 78 64 18.440 20.477 24.380 29.518 36.064 44.051 53.403 64.592 79 65 19.650 21.843 26.182 31.782 38.929 47.656 57.858 70.059 80 66 21.107 23.583 28.287 34.368 42.096 51.520 62.600 75.497 81 67 23.026 25.710 30.816 37.350 45.610 55.702 67.619 81.295 82 68 25.409 28.326 33.846 40.788 49.528 60.187 72.908 87.353 83 69 28.245 31.403 37.340 44.672 53.797 64.941 78.434 94.133 84 70 31.465 34.864 41.258 48.919 58.371 69.937 84.164 101.453 85 71 33.694 37.325 44.240 52.524 62.745 75.238 90.624 109.302 86 72 36.078 39.927 47.512 56.615 67.832 81.573 98.484 119.033 87 73 38.535 42.608 50.910 60.862 73.149 88.180 106.711 131.214 88 74 40.465 44.707 53.485 64.023 77.020 92.926 114.176 140.564 89 75 41.699 46.016 55.140 66.078 79.561 97.435 119.877 147.801 90 76 42.432 46.788 56.005 67.047 81.762 100.103 123.169 151.840 91 77 43.106 47.480 56.779 68.807 83.886 102.712 126.362 155.768 92 78 44.638 49.120 59.430 72.001 87.786 107.473 132.212 163.147 93 79 47.273 52.604 63.628 77.093 93.983 115.053 141.754 174.907 94 80 50.376 56.0_3 67.793 82.128 100.116 122.811 151.300 186.653 95
1987 MORTALITY ASSUMPTION PER 1000 MSKM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 -- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.891 15 0.693 0.830 0.954 1.055 1.124 1.162 1.878 1.811 16 0.840 0.963 1.021 1.078 1.113 1.841 1.802 1.752 17 0.966 1.023 1.048 1.072 1.803 1.760 1.723 1.687 18 0.966 1.011 1.034 1.723 1.742 1.670 1.631 1.605 19 0.924 0.979 1.633 1.635 1.627 1.554 1.528 1.498 20 0.861 1.508 1.544 1.534 1.508 1.416 1.416 1.399 21 1.247 1.396 1.467 1.471 1.457 1.389 1.453 1.473 22 1.107 1.253 1.336 1.338 1.322 1.302 1.323 1.354 23 0.997 1.120 1.211 1.210 1.222 1.198 1.229 1.277 24 0.879 0.992 1.075 1.113 1.121 1.123 1.156 1.206 25 0.799 0.892 0.994 1.030 1.073 1.093 1.129 1.184 26 0.753 0.852 0.941 0.998 1.071 1.108 1.150 1.206 27 0.752 0.828 0.924 1.010 1.087 1.144 1.203 1.268 28 0.768 0.850 0.949 1.041 1.125 1.199 1.268 1.356 29 0.815 0.902 0.995 1.094 1.198 1.284 1.376 1.481 30 0.868 0.962 1.062 1.156 1.270 1.379 1.475 1.608 31 0.904 1.016 1.111 1.227 1.338 1.461 1.586 1.749 32 0.934 1.054 1.172 1.285 1.411 1.550 1.725 1.911 33 0.938 1.080 1.208 1.349 1.503 1.676 1.873 2.080 34 0.917 1.080 1.233 1.400 1.592 1.785 1.998 2.228 35 0.929 1.122 1.306 1.522 1.728 1.954 2.185 2.442 36 0.955 1.194 1.428 1.674 1.928 2.175 2.449 2.735 37 1.020 1.296 1.571 1.866 2.153 2.433 2.735 3.065 38 1.110 1.429 1.766 2.095 2.415 2.723 3.058 3.440 39 1.221 1.615 1.988 2.351 2.698 3.051 3.427 3.829 40 1.361 1.816 2.236 2.648 3.019 3.401 3.810 4.256 41 1.504 2.020 2.513 2.961 3.373 3.777 4.208 4.685 42 1.649 2.239 2.782 3.284 3.730 4.169 4.633 5.152 43 1.795 2.449 3.060 3.598 4.092 4.566 5.062 5.610 44 1.943 2.667 3.328 3.927 4.448 4.967 5.494 6.061 45 2.109 2.887 3.611 4.277 4.844 5.395 5.953 6.538 46 2.267 3.110 3.904 4.655 5.291 5.873 6.461 7.118 47 2.427 3.369 4.251 5.073 5.801 6.426 7.070 7.789 48 2.588 3.657 4.639 5.544 6.387 7.112 7.817 8.603 49 2.763 3.963 5.057 6.069 7.046 7.879 8.685 9.551 50 2.934 4.301 5.506 6.639 7.727 8.687 9.610 10.565 51 3.113 4.647 5.997 7.232 8.415 9.505 10.531 11.546 52 3.301 5.020 6.498 7.831 9.087 10.273 11.367 12.421 53 3.501 5.390 6.994 8.402 9.732 10.936 12.053 13.187 54 3.725 5.768 7.486 8.969 10.337 11.508 12.663 13.904 55 3.958 6.180 8.022 9.561 10.921 12.096 13.292 14.600 56 4.239 6.637 8.613 10.194 11.557 12.750 13.991 15.379 57 4.580 7.178 9.273 10.927 12.293 13.531 14.841 16.273 58 4.983 7.807 10.071 11.819 13.216 14.533 15.885 17.341 59 5.446 8.538 11.004 12.853 14.350 15.731 17.118 18.563 60 5.965 9.358 12.022 13.995 15.638 17.063 18.471 19.919 61 6.573 10.217 13.079 15.212 16.981 18.451 19.894 21.430 62 7.247 11.081 14.118 16.463 18.290 19.843 21.388 23.025 63 7.990 12.062 15.254 17.717 19.560 21.196 22.824 24.589 64 8.806 13.204 16.514 18.978 20.848 22.536 24.241 26.126 65 9.693 14.368 17.805 20.237 22.180 23.944 25.739 27.847 66 10.624 15.462 18.993 21.471 23.569 25.477 27.497 29.792 67 11.633 16.366 19.952 22.666 25.030 27.250 29.518 32.204 68 12.686 17.125 20.741 23.784 26.595 29.232 32.021 35.406 69 13.803 17.843 21.452 24.873 28.191 31.498 35.159 39.235 70 14.966 18.467 22.100 25.864 29.850 34.146 38.706 43.607 71 16.052 19.811 23.669 27.668 32.058 36.637 41.516 46.735 72 17.212 21.216 25.320 29.723 34.407 39.305 44.505 50.054 73 18.408 22.668 27.166 31.856 36.860 42.074 47.590 53.512 74 19.353 23.928 28.639 33.571 38.818 44.272 50.062 56.243 75 20.060 24.774 29.646 34.728 40.117 45.734 51.675 58.006 76 20.537 25.352 30.316 35.483 40.972 46.674 52.690 59.092 77 20.998 25.901 30.948 36.209 41.775 47.547 53.629 60.081 78 21.891 26.982 32.227 37.674 43.426 49.384 55.642 62.283 79 23.344 28.762 34.324 40.089 46.171 52.450 59.046 66.022 80 24.774 30.498 36.364 42.435 48.820 55.412 62.314 69.611 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE -- ------ ------ ------- ------- ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.949 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.958 1.904 22 8 0.842 0.998 1.138 1.250 1.299 1.976 1.917 1.878 23 9 1.001 1.139 1.248 1.294 2.000 1.937 1.894 1.869 24 10 1.139 1.246 1.291 2.025 1.960 1.915 1.888 1.840 25 11 1.223 1.262 2.006 1.934 1.884 1.852 1.800 1.760 26 12 1.231 1.981 1.903 1.848 1.810 1.753 1.709 1.651 27 13 1.927 1.874 1.811 1.767 1.704 1.654 1.591 1.601 28 14 1.831 1.793 1.744 1.676 1.622 1.555 1.562 1.563 29 15 1.766 1.722 1.664 1.603 1.530 1.533 1.529 1.540 30 16 1.703 1.668 1.588 1.525 1.526 1.520 1.527 1.518 31 17 1.648 1.606 1.540 1.539 1.532 1.538 1.527 1.468 32 18 1.575 1.561 1.473 1.495 1.515 1.517 1.481 1.404 33 19 1.497 1.479 1.419 1.471 1.490 1.493 1.440 1.382 34 20 1.398 1.419 1.376 1.426 1.432 1.431 1.406 1.351 35 21 1.536 1.620 1.569 1.561 1.528 1.491 1.445 1.360 36 22 1.436 1.520 1.496 1.469 1.464 1.447 1.425 1.372 37 23 1.344 1.431 1.423 1.414 1.434 1.446 1.432 1.475 38 24 1.276 1.354 1.389 1.382 1.428 1.466 1.528 1.590 39 25 1.251 1.336 1.382 1.414 1.484 1.591 1.663 1.753 40 26 1.281 1.374 1.435 1.503 1.619 1.747 1.855 1.951 41 27 1.353 1.460 1.533 1.654 1.789 1.943 2.071 2.168 42 28 1.455 1.576 1.689 1.820 1.973 2.149 2.289 2.430 43 29 1.597 1.784 1.903 2.039 2.203 2.377 2.550 2.724 44 30 1.784 1.984 2.123 2.272 2.437 2.641 2.837 3.065 45 31 1.960 2.181 2.336 2.501 2.698 2.931 3.164 3.419 46 32 2.142 2.389 2.561 2.768 2.996 3.266 3.526 3.832 47 33 2.326 2.597 2.811 3.050 3.336 3.644 3.957 4.283 48 34 2.482 2.773 3.035 3.328 3.670 4.049 4.395 4.819 49 35 2.733 3.043 3.352 3.683 4.084 4.502 4.911 5.408 50 36 3.049 3.398 3.731 4.107 4.546 5.029 5.484 5.999 51 37 3.419 3.787 4.157 4.555 5.042 5.576 6.087 6.574 52 38 3.814 4.226 4.599 5.038 5.550 6.135 6.720 7.265 53 39 4.258 4.683 5.088 5.543 6.089 6.724 7.449 8.043 54 40 4.712 5.199 5.610 6.081 6.660 7.399 8.241 8.966 55 41 5.204 5.728 6.167 6.672 7.334 8.155 9.108 10.040 56 42 5.709 6.282 6.769 7.374 8.100 8.998 10.064 11.220 57 43 6.186 6.851 7.449 8.152 8.966 9.941 11.109 12.378 58 44 6.655 7.463 8.185 9.000 9.924 10.994 12.167 13.548 59 45 7.196 8.132 8.982 9.923 10.975 12.078 13.296 14.733 60 46 7.838 8.864 9.835 10.910 12.046 13.218 14.523 16.020 61 47 8.642 9.705 10.772 11.913 13.146 14.450 15.893 17.444 62 48 9.581 10.656 11.735 12.939 14.303 15.782 17.394 19.085 63 49 10.596 11.661 12.744 14.025 15.543 17.212 19.029 20.910 64 50 11.595 12.682 13.794 15.187 16.858 18.725 20.764 22.858 65 51 12.566 13.725 14.951 16.500 18.379 20.524 22.872 25.301 66 52 13.505 14.784 16.193 17.978 20.147 22.644 25.399 28.277 67 53 14.418 15.809 17.425 19.433 21.846 24.607 27.717 31.208 68 54 15.286 16.835 18.720 21.059 23.787 26.913 30.664 34.640 69 55 16.169 17.875 20.024 22.651 25.672 29.271 33.476 37.790 70 56 17.055 18.953 21.389 24.336 27.826 31.833 36.546 41.508 71 57 17.973 20.102 22.787 26.126 29.948 34.327 39.452 45.093 72 58 19.010 21.350 24.366 28.015 32.217 37.020 42.669 48.446 73 59 20.255 22.797 26.112 30.141 34.853 40.330 46.353 52.774 74 60 21.741 24.378 27.921 32.243 37.431 43.205 49.771 57.003 75 61 23.362 26.096 29.933 34.695 40.244 46.722 54.259 62.422 76 62 25.089 27.956 32.061 36.971 42.984 50.244 58.413 67.405 77 63 26.808 29.882 34.184 39.560 46.413 54.465 63.513 73.727 78 64 28.583 31.740 36.420 42.506 50.065 58.961 68.920 80.381 79 65 30.458 33.856 39.112 45.766 54.043 63.786 74.670 87.184 80 66 32.716 36.553 42.258 49.490 58.439 68.958 80.789 93.952 81 67 35.690 39.851 46.035 53.785 63.317 74.555 87.266 101.167 82 68 39.385 43.905 50.562 58.735 68.757 80.558 94.092 108.706 83 69 43.780 48.674 55.781 64.327 74.683 86.921 101.224 117.144 84 70 48.770 54.040 61.634 70.444 81.032 93.607 108.620 126.252 85 71 52.225 57.853 66.089 75.634 87.105 100.703 116.956 136.020 86 72 55.921 61.887 70.977 81.525 94.166 109.183 127.100 148.131 87 73 59.729 66.042 76.053 87.641 101.548 118.025 137.717 163.289 88 74 62.720 69.296 79.899 92.193 106.922 124.377 147.352 174.924 89 75 64.633 71.325 82.372 95.152 110.450 130.412 154.709 183.930 90 76 65.770 72.522 83.664 96.548 113.505 133.984 158.957 188.956 91 77 66.815 73.594 84.821 99.083 116.454 137.476 163.079 193.844 92 78 69.188 76.136 88.781 103.681 121.868 143.849 170.629 203.027 93 79 73.273 81.536 95.052 111.014 130.471 153.994 182.942 217.662 94 80 78.083 86.866 101.274 118.265 138.984 164.377 195.263 232.279 95
1987 MORTALITY ASSUMPTION PER 1000 FPNM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ----- ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.409 15 0.317 0.382 0.442 0.492 0.527 0.548 0.411 0.393 16 0.384 0.444 0.475 0.506 0.527 0.406 0.395 0.379 17 0.451 0.482 0.498 0.514 0.404 0.392 0.379 0.367 18 0.460 0.486 0.502 0.391 0.393 0.373 0.360 0.351 19 0.449 0.480 0.374 0.372 0.367 0.347 0.338 0.329 20 0.426 0.349 0.355 0.350 0.341 0.318 0.316 0.306 21 0.308 0.338 0.347 0.340 0.329 0.307 0.311 0.308 22 0.294 0.325 0.339 0.332 0.321 0.306 0.304 0.300 23 0.287 0.315 0.334 0.327 0.319 0.306 0.303 0.302 24 0.276 0.305 0.324 0.324 0.319 0.309 0.305 0.308 25 0.268 0.293 0.316 0.320 0.322 0.314 0.314 0.321 26 0.255 0.280 0.302 0.309 0.318 0.318 0.321 0.330 27 0.256 0.275 0.296 0.310 0.323 0.331 0.340 0.351 28 0.260 0.278 0.297 0.315 0.331 0.345 0.357 0.378 29 0.268 0.284 0.302 0.324 0.346 0.363 0.385 0.410 30 0.278 0.298 0.320 0.340 0.366 0.392 0.415 0.447 31 0.284 0.311 0.332 0.358 0.386 0.417 0.447 0.486 32 0.286 0.315 0.342 0.370 0.402 0.436 0.478 0.523 33 0.280 0.315 0.347 0.383 0.422 0.463 0.511 0.559 34 0.271 0.315 0.355 0.397 0.445 0.493 0.543 0.596 35 0.271 0.323 0.371 0.425 0.477 0.531 0.585 0.645 36 0.271 0.334 0.393 0.455 0.516 0.573 0.637 0.703 37 0.280 0.351 0.420 0.491 0.558 0.623 0.692 0.767 38 0.301 0.383 0.466 0.545 0.620 0.691 0.767 0.854 39 0.328 0.427 0.518 0.605 0.686 0.767 0.853 0.951 40 0.354 0.466 0.566 0.662 0.747 0.832 0.931 1.040 41 0.379 0.503 0.618 0.720 0.812 0.907 1.011 1.124 42 0.411 0.552 0.678 0.792 0.899 1.004 1.115 1.239 43 0.435 0.587 0.725 0.852 0.968 1.080 1.196 1.329 44 0.458 0.621 0.774 0.913 1.034 1.153 1.279 1.419 45 0.483 0.660 0.824 0.976 1.105 1.233 1.369 1.520 46 0.508 0.697 0.875 1.042 1.185 1.326 1.474 1.643 47 0.534 0.741 0.934 1.117 1.285 1.438 1.601 1.786 48 0.558 0.788 1.002 1.205 1.402 1.579 1.758 1.966 49 0.584 0.839 1.077 1.306 1.534 1.737 1.946 2.177 50 0.608 0.898 1.161 1.416 1.669 1.907 2.146 2.403 51 0.651 0.982 1.282 1.566 1.852 2.218 2.402 2.680 52 0.700 1.076 1.411 1.728 2.040 2.349 2.645 2.952 53 0.752 1.173 1.547 1.891 2.231 2.552 2.872 3.208 54 0.813 1.279 1.689 2.061 2.418 2.749 3.088 3.450 55 0.880 1.398 1.848 2.242 2.615 2.958 3.306 3.695 56 0.961 1.533 2.025 2.447 2.833 3.180 3.549 3.968 57 1.061 1.692 2.232 2.685 3.073 3.441 3.839 4.284 58 1.178 1.884 2.481 2.962 3.370 3.768 4.193 4.663 59 1.317 2.109 2.765 3.286 3.731 4.162 4.614 5.101 60 1.477 2.358 3.081 3.647 4.148 4.612 5.088 5.592 61 1.660 2.625 3.417 4.045 4.601 5.096 5.599 6.131 62 1.867 2.903 3.764 4.472 5.064 5.599 6.138 6.715 63 2.098 3.224 4.154 4.918 5.533 6.101 6.680 7.307 64 2.360 3.605 4.596 5.382 6.020 6.620 7.233 7.914 65 2.653 4.009 5.062 5.861 6.538 7.173 7.832 8.593 66 2.972 4.407 5.518 6.352 7.089 7.788 8.528 9.435 67 3.324 4.769 5.924 6.846 7.686 8.495 9.391 10.464 68 3.708 5.102 6.290 7.337 8.333 9.342 10.446 11.736 69 4.127 5.433 6.648 7.833 9.051 10.318 11.696 13.279 70 4.575 5.749 6.995 8.342 9.817 11.399 13.140 15.062 71 5.020 6.303 7.669 9.137 10.741 12.475 14.376 16.427 72 5.504 6.906 8.395 9.994 11.752 13.645 15.683 17.916 73 6.019 7.547 9.166 10.914 12.829 14.864 17.077 19.505 74 6.469 8.102 9.841 11.714 13.749 15.927 18.294 20.884 75 6.817 8.539 10.371 12.331 14.469 16.755 19.237 21.956 76 7.100 8.891 10.792 12.830 15.048 17.419 19.995 22.818 77 7.383 9.244 11.219 13.333 15.630 18.089 20.761 23.685 78 7.832 9.806 11.897 14.132 16.563 19.166 21.991 25.083 79 8.505 10.645 12.908 15.329 17.965 20.782 23.839 27.188 80 9.192 11.498 13.940 16.553 19.393 22.429 25.727 29.337 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------ ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.415 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.414 0.398 22 8 0.371 0.436 0.488 0.527 0.538 0.412 0.397 0.383 23 9 0.438 0.491 0.530 0.541 0.410 0.395 0.382 0.371 24 10 0.493 0.532 0.543 0.409 0.394 0.380 0.370 0.357 25 11 0.535 0.546 0.407 0.392 0.379 0.369 0.356 0.347 26 12 0.549 0.405 0.390 0.378 0.368 0.355 0.346 0.329 27 13 0.407 0.389 0.376 0.367 0.355 0.345 0.329 0.334 28 14 0.391 0.375 0.366 0.354 0.345 0.328 0.334 0.335 29 15 0.377 0.361 0.353 0.344 0.328 0.334 0.335 0.337 30 16 0.364 0.352 0.340 0.328 0.334 0.335 0.337 0.339 31 17 0.354 0.342 0.329 0.335 0.337 0.339 0.340 0.333 32 18 0.342 0.332 0.319 0.327 0.333 0.337 0.335 0.326 33 19 0.322 0.316 0.306 0.318 0.326 0.333 0.330 0.326 34 20 0.304 0.304 0.296 0.310 0.318 0.326 0.330 0.330 35 21 0.310 0.314 0.312 0.321 0.328 0.336 0.346 0.348 36 22 0.306 0.313 0.317 0.323 0.335 0.349 0.364 0.372 37 23 0.308 0.319 0.325 0.332 0.349 0.367 0.380 0.406 38 24 0.317 0.330 0.344 0.352 0.375 0.398 0.425 0.455 39 25 0.332 0.348 0.367 0.384 0.412 0.449 0.479 0.513 40 26 0.343 0.364 0.387 0.413 0.450 0.493 0.530 0.564 41 27 0.371 0.396 0.421 0.458 0.500 0.547 0.587 0.620 42 28 0.401 0.431 0.464 0.503 0.549 0.600 0.644 0.689 43 29 0.437 0.481 0.517 0.557 0.604 0.657 0.711 0.766 44 30 0.489 0.537 0.576 0.618 0.667 0.727 0.786 0.855 45 31 0.537 0.589 0.632 0.679 0.736 0.803 0.871 0.954 46 32 0.577 0.634 0.680 0.737 0.800 0.874 0.955 1.051 47 33 0.615 0.678 0.737 0.802 0.881 0.975 1.073 1.177 48 34 0.656 0.724 0.794 0.873 0.974 1.088 1.195 1.327 49 35 0.714 0.786 0.865 0.959 1.074 1.195 1.316 1.467 50 36 0.775 0.855 0.946 1.052 1.175 1.312 1.448 1.609 51 37 0.846 0.936 1.037 1.146 1.280 1.433 1.588 1.749 52 38 0.945 1.047 1.146 1.262 1.402 1.568 1.746 1.920 53 39 1.057 1.162 1.270 1.395 1.552 1.742 1.963 2.157 54 40 1.150 1.268 1.380 1.514 1.685 1.904 2.158 2.399 55 41 1.248 1.377 1.505 1.660 1.862 2.115 2.422 2.740 56 42 1.376 1.523 1.674 1.861 2.088 2.378 2.730 3.127 57 43 1.474 1.650 1.837 2.060 2.331 2.661 3.066 3.520 58 44 1.575 1.786 2.014 2.286 2.604 2.985 3.414 3.944 59 45 1.691 1.936 2.214 2.535 2.910 3.322 3.807 4.390 60 46 1.831 2.105 2.429 2.806 3.225 3.695 4.241 4.869 61 47 2.014 2.301 2.659 3.060 3.525 4.046 4.631 5.290 62 48 2.228 2.524 2.891 3.328 3.840 4.408 5.055 5.769 63 49 2.460 2.756 3.143 3.609 4.161 4.792 5.510 6.304 64 50 2.685 2.999 3.416 3.926 4.549 5.274 6.111 7.038 65 51 2.979 3.322 3.767 4.328 5.018 5.839 6.789 7.840 66 52 3.277 3.650 4.140 4.759 5.528 6.449 7.514 8.689 67 53 3.568 3.980 4.530 5.223 6.077 7.091 8.275 9.593 68 54 3.858 4.321 4.941 5.723 6.662 7.770 9.076 10.506 69 55 4.161 4.692 5.385 6.259 7.293 8.505 9.946 11.468 70 56 4.478 5.070 5.863 6.837 7.977 9.311 10.895 12.613 71 57 4.821 5.496 6.381 7.466 8.730 10.199 11.947 13.904 72 58 5.210 5.963 6.944 8.144 9.544 11.177 13.117 15.392 73 59 5.672 6.483 7.555 8.865 10.423 12.252 14.506 17.039 74 60 6.202 7.060 8.218 9.647 11.375 13.510 16.038 18.854 75 61 6.790 7.692 8.980 10.585 12.638 15.127 18.041 21.368 76 62 7.425 8.391 9.821 11.687 14.044 16.901 20.279 24.182 77 63 8.083 9.128 10.818 12.990 15.751 19.149 23.163 27.743 78 64 8.776 9.960 11.859 14.306 17.460 21.334 25.748 31.048 79 65 9.602 10.911 13.080 15.918 19.570 23.944 29.088 35.265 80 66 10.587 12.031 14.469 17.647 21.616 26.488 32.242 38.987 81 67 11.789 13.405 16.192 19.707 24.188 29.702 26.275 43.918 82 68 13.289 15.088 18.121 21.968 26.842 32.841 40.087 48.444 83 69 15.084 17.022 20.459 24.735 30.107 36.754 44.922 54.595 84 70 17.099 19.245 23.133 27.850 33.743 41.063 50.207 61.506 85 71 18.646 20.981 25.392 30.761 37.482 45.837 56.298 69.261 86 72 20.332 22.864 27.965 34.200 42.009 51.748 63.977 79.169 87 73 22.123 24.872 30.749 37.939 46.967 58.248 72.454 90.785 88 74 23.681 26.623 33.134 41.118 51.161 63.728 80.088 100.725 89 75 24.895 27.976 35.058 43.759 54.706 68.845 86.868 109.657 90 76 25.862 29.058 36.411 45.441 57.123 71.909 90.777 114.627 91 77 26.840 30.153 37.779 47.383 59.583 75.043 94.762 119.718 92 78 28.420 31.925 40.179 50.407 63.418 79.897 100.943 126.562 93 79 30.903 34.739 43.733 54.894 69.084 87.079 109.239 136.951 94 80 33.352 37.626 47.391 59.504 74.923 93.819 117.683 147.537 95
1987 MORTALITY ASSUMPTION PER 1000 FNSM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 0.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.591 15 0.317 0.382 0.442 0.492 0.527 0.548 0.594 0.567 16 0.384 0.444 0.475 0.506 0.527 0.587 0.570 0.547 17 0.451 0.482 0.498 0.514 0.583 0.566 0.547 0.529 18 0.460 0.486 0.502 0.564 0.567 0.538 0.520 0.507 19 0.449 0.480 0.540 0.538 0.530 0.501 0.488 0.475 20 0.426 0.504 0.513 0.506 0.492 0.459 0.456 0.442 21 0.445 0.489 0.502 0.492 0.476 0.444 0.449 0,445 22 0.425 0.470 0.490 0.480 0.464 0.442 0.439 0.434 23 0.415 0.456 0.482 0.472 0.461 0.442 0.437 0.436 24 0.398 0.440 0.467 0.468 0.461 0.446 0.440 0.444 25 0.387 0.423 0.457 0.462 0.465 0.454 0.454 0.464 26 0.369 0.404 0.436 0.446 0.459 0.459 0.464 0.476 27 0.369 0.397 0.427 0.448 0.466 0.478 0.491 0.507 28 0.375 0.401 0.429 0.454 0.478 0.498 0.516 0.545 29 0.387 0.410 0.437 0.468 0.500 0.524 0.556 0.592 30 0.402 0.430 0.462 0.491 0.528 0.566 0.599 0.646 31 0.411 0.449 0.480 0.518 0.558 0.602 0.646 0.702 32 0.413 0.455 0.494 0.535 0.580 0.630 0.690 0.755 33 0.404 0.455 0.502 0.553 0.609 0.669 0.738 0.807 34 0.391 0.454 0.512 0.574 0.643 0.712 0.785 0.861 35 0.391 0.466 0.535 0.614 0.689 0.767 0.845 0.932 36 0.391 0.482 0.568 0.657 0.745 0.828 0.920 1.015 37 0.405 0.507 0.607 0.710 0.806 0.899 0.999 1.107 38 0.435 0.553 0.674 0.787 0.895 0.997 1.108 1.233 39 0.474 0.617 0.748 0.873 0.991 1.108 1.232 1.374 40 0.512 0.672 0.817 0.957 1.078 1.202 1.345 1.502 41 0.548 0.726 0.893 1.040 1.172 1.311 1.460 1.624 42 0.594 0.797 0.979 1.144 1.298 1.450 1.610 1.789 43 0.628 0.848 1.048 1.231 1.399 1.560 1.728 1.920 44 0.661 0.897 1.118 1.319 1.493 1.666 1.847 2.050 45 0.697 0.953 1.191 1.410 1.596 1.781 1.977 2.195 46 0.734 1.007 1.264 1.505 1.715 1.915 2.129 2.373 47 0.771 1.070 1.349 1.613 1.856 2.078 2.312 2.580 48 0.806 1.138 1.447 1.740 2.026 2.281 2.539 2.840 49 0.843 1.212 1.556 1.887 2.215 2.508 2.811 3.145 50 0.879 1.296 1.677 2.045 2.410 2.754 3.100 3.472 51 0.941 1.419 1.852 2.262 2.675 3.074 3.469 3.871 52 1.010 1.554 2.037 2.496 2.947 3.393 3.821 4.264 53 1.087 1.694 2.235 2.731 3.223 3.686 4.148 4.633 54 1.174 1.848 2.440 2.977 3.492 3.971 4.461 4.983 55 1.271 2.019 2.670 3.238 3.778 4.272 4.776 5.337 56 1.389 2.214 2.925 3.535 4.092 4.593 5.127 5.731 57 1.532 2.444 3.224 3.879 4.439 4.971 5.545 6.188 58 1.701 2.721 3.584 4.279 4.868 5.443 6.056 6.735 59 1.903 3.046 3.994 4.746 5.389 6.012 6.665 7.367 60 2.134 3.405 4.450 5.269 5.992 6.661 7.350 8.077 61 2.398 3.792 4.936 5.843 6.646 7.360 8.088 8.857 62 2.697 4.193 5.437 6.459 7.315 8.087 8.866 9.700 63 3.031 4.657 6.000 7.103 7.992 8.813 9.650 10.554 64 3.409 5.207 6.638 7.774 8.695 9.562 10.447 11.431 65 3.832 5.790 7.312 8.466 9.444 10.361 11.313 12.413 66 4.292 6.366 7.970 9.175 10.240 11.249 12.319 13.628 67 4.802 6.888 8.556 9.888 11.102 12.271 13.564 15.114 68 5.356 7.370 9.085 10.598 12.036 13.494 15.089 16.953 69 5.962 7.847 9.603 11.315 13.074 14.903 16.894 19.180 70 6.609 8.304 10.104 12.049 14.181 16.466 18.980 21.757 71 7.251 9.104 11.077 13.198 15.514 18.020 20.766 23.728 72 7.950 9.975 12.127 14.436 16.975 19.710 22.653 25.879 73 8.694 10.901 13.240 15.764 18.531 21.470 24.667 28.175 74 9.344 11.704 14.215 16.920 19.859 23.006 26.425 30.166 75 9.847 12.334 14.980 17.812 20.899 24.202 27.787 31.715 76 10.256 12.843 15.588 18.532 21.737 25.161 28.882 32.959 77 10.664 13.352 16.205 19.259 22.577 26.129 29.989 34.212 78 11.314 14.164 17.184 20.412 23.924 27.685 31.764 36.230 79 12.285 15.376 18.645 22.142 25.949 30.018 34.435 39.272 80 13.278 16.608 20.136 23.910 28.012 32.398 37.161 42.376 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------- ------- ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.502 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.516 0.482 22 8 0.371 0.436 0.488 0.527 0.538 0.530 0.495 0.463 23 9 0.438 0.491 0.530 0.541 0.543 0.508 0.476 0.450 24 10 0.493 0.532 0.543 0.557 0.521 0.489 0.462 0.432 25 11 0.535 0.546 0.571 0.535 0.502 0.475 0.445 0.420 26 12 0.549 0.585 0.548 0.515 0.488 0.457 0.432 0.399 27 13 0.588 0.562 0.528 0.501 0.470 0.444 0.410 0.404 28 14 0.564 0.541 0.514 0.482 0.457 0.422 0.417 0.405 29 15 0.544 0.522 0.495 0.469 0.434 0.429 0.418 0.408 30 16 0.525 0.508 0.477 0.447 0.442 0.431 0.421 0.410 31 17 0.512 0.494 0.462 0.457 0.446 0.436 0.424 0.403 32 18 0.494 0.479 0.448 0.446 0.440 0.433 0.418 0.395 33 19 0.465 0.457 0.430 0.434 0.432 0.428 0.411 0.394 34 20 0.439 0.439 0.415 0.423 0.421 0.419 0.412 0.399 35 21 0.448 0.454 0.438 0.438 0.435 0.432 0.432 0.421 36 22 0.441 0.452 0.445 0.440 0.443 0.449 0.454 0.450 37 23 0.444 0.461 0.456 0.452 0.463 0.472 0.474 0.491 38 24 0.458 0.476 0.483 0.480 0.497 0.511 0.530 0.551 39 25 0.479 0.502 0.515 0.524 0.545 0.577 0.597 0.621 40 26 0.496 0.526 0.544 0.563 0.596 0.633 0.661 0.683 41 27 0.535 0.572 0.591 0.624 0.662 0.703 0.733 0.751 42 28 0.580 0.622 0.651 0.686 0.726 0.772 0.803 0.834 43 29 0.632 0.695 0.726 0.759 0.801 0.845 0.887 0.927 44 30 0.706 0.776 0.809 0.843 0.883 0.934 0.980 1.034 45 31 0.776 0.851 0.887 0.925 0.974 1.032 1.087 1.155 46 32 0.834 0.916 0.955 1.005 1.059 1.124 1.192 1.272 47 33 0.889 0.980 1.034 1.094 1.166 1.253 1.339 1.425 48 34 0.948 1.046 1.115 1.191 1.290 1.399 1.492 1.606 49 35 1.031 1.135 1.215 1.308 1.422 1.537 1.642 1.776 50 36 1.119 1.235 1.328 1.434 1.556 1.686 1.806 1.947 51 37 1.222 1.352 1.456 1.563 1.695 1.842 1.982 2.118 52 38 1.365 1.512 1.608 1.721 1.857 2.017 2.179 2.324 53 39 1.527 1.679 1.783 1.903 2.055 2.239 2.449 2.612 54 40 1.661 1.832 1.937 2.064 2.231 2.448 2.693 2.904 55 41 1.803 1.989 2.113 2.264 2.466 2.720 3.022 3.317 56 42 1.988 2.201 2.349 2.537 2.765 3.058 3.407 3.785 57 43 2.130 2.383 2.578 2.809 3.087 3.422 3.826 4.261 58 44 2.275 2.580 2.827 3.117 3.449 3.837 4.261 4.775 59 45 2.443 2.796 3.108 3.457 3.854 4.271 4.750 5.315 60 46 2.645 3.041 3.410 3.827 4.270 4.751 5.291 5.895 61 47 2.909 3.324 3.733 4.172 4.669 5.202 5.778 6.404 62 48 3.218 3.646 4.058 4.538 5.085 5.667 6.307 6.984 63 49 3.554 3.980 4.412 4.922 5.510 6.161 6.875 7.631 64 50 3.878 4.332 4.795 5.353 6.024 6.781 7.626 8.520 65 51 4.303 4.798 5.287 5.902 6.645 7.507 8.471 9.491 66 52 4.733 5.272 5.811 6.489 7.321 8.292 9.375 10.518 67 53 5.154 5.749 6.359 7.122 8.048 9.117 10.325 11.613 68 54 5.573 6.242 6.936 7.804 8.823 9.990 11.325 12.718 69 55 6.010 6.762 7.558 8.536 9.658 10.935 12.411 13.883 70 56 6.469 7.324 8.229 9.323 10.565 11.971 13.595 15.269 71 57 6.963 7.938 8.957 10.180 11.562 13.112 14.907 16.831 72 58 7.526 8.613 9.747 11.105 12.640 14.371 16.367 18.632 73 59 8.193 9.364 10.605 12.089 13.803 15.752 18.101 20.626 74 60 8.958 10.197 11.535 13.155 15.065 17.371 20.012 22.823 75 61 9.807 11.110 12.604 14.434 16.737 19.449 22.511 25.867 76 62 10.725 12.120 13.786 15.937 18.599 21.730 25.304 29.273 77 63 11.676 13.185 15.185 17.714 20.859 24.620 28.902 33.584 78 64 12.676 14.387 16.647 19.509 23.123 27.429 32.128 37.584 79 65 13.869 15.761 18.360 21.706 25.917 30.785 36.296 42.689 80 66 15.292 17.378 20.310 24.064 28.626 34.056 40.232 47.195 81 67 17.028 19.363 22.729 26.873 32.033 38.188 45.263 53.163 82 68 19.195 21.794 25.436 29.957 35.548 42.224 50.020 58.642 83 69 21.788 24.588 28.717 33.729 39.871 47.255 56.053 66.089 84 70 24.699 27.798 32.472 37.977 44.687 52.795 62.647 74.455 85 71 26.933 30.306 35.642 41.947 49.639 58.933 70.248 83.842 86 72 29.368 33.025 39.254 46.637 55.634 66.533 79.830 95.836 87 73 31.955 35.926 43.162 51.735 62.199 74.891 90.407 109.898 88 74 34.206 38.455 46.509 56.070 67.754 81.936 99.933 121.931 89 75 35.959 40.409 49.210 59.671 72.449 88.515 108.392 132.742 90 76 37.357 41.973 51.109 61.964 75.650 92.454 113.271 138.758 91 77 38.768 43.555 53.029 64.613 78.907 96.483 118.243 144.922 92 78 41.051 46.115 56.397 68.737 83.986 102.725 125.955 153.207 93 79 44.493 50.179 61.386 74.856 91.490 111.958 136.308 165.782 94 80 48.175 54.349 66.521 81.142 99.222 120.624 146.844 178.597 95
1987 MORTALITY ASSUMPTION PER 1000 FPSM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 --- ----- ----- ----- ----- ----- ----- ----- ----- ----- 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 0.150 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 0.138 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 0.135 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 0.136 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 0.146 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 0.188 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 0.234 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 0.304 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 0.371 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 0.438 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 0.493 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 0.535 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 0.549 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 0.590 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.593 0.577 15 0.317 0.382 0.442 0.492 0.527 0.548 0.596 0.580 0.566 16 0.384 0.444 0.475 0.506 0.527 0.589 0.582 0.569 0.556 17 0.451 0.482 0.498 0.514 0.585 0.578 0.569 0.560 0.551 18 0.460 0.486 0.502 0.566 0.580 0.560 0.550 0.546 0.541 19 0.449 0.480 0.542 0.549 0.551 0.530 0.525 0.520 0.521 20 0.426 0.505 0.524 0.526 0.521 0.494 0.500 0.495 0.506 21 0.447 0.499 0.522 0.520 0.512 0.486 0.502 0.512 0.532 22 0.434 0.489 0.518 0.516 0.508 0.495 0.505 0.515 0.543 23 0.432 0.482 0.519 0.517 0.516 0.508 0.520 0.537 0.566 24 0.421 0.474 0.512 0.525 0.530 0.529 0.542 0.566 0.600 25 0.416 0.464 0.512 0.532 0.552 0.559 0.578 0.608 0.643 26 0.404 0.453 0.502 0.530 0.565 0.584 0.608 0.639 0.677 27 0.414 0.457 0.508 0.551 0.594 0.626 0.659 0.693 0.741 28 0.432 0.476 0.528 0.579 0.627 0.668 0.705 0.755 0.813 29 0.459 0.505 0.556 0.613 0.671 0.716 0.769 0.830 0.898 30 0.495 0.548 0.606 0.659 0.721 0.784 0.841 0.919 1.017 31 0.523 0.589 0.643 0.707 0.772 0.845 0.918 1.010 1.132 32 0.541 0.610 0.675 0.740 0.814 0.895 0.994 1.101 1.231 33 0.542 0.621 0.695 0.777 0.866 0.963 1.076 1.192 1.329 34 0.535 0.629 0.719 0.816 0.926 1.038 1.159 1.288 1.429 35 0.542 0.654 0.761 0.885 1.005 1.133 1.263 1.405 1.568 36 0.549 0.685 0.817 0.958 1.100 1.238 1.387 1.544 1.715 37 0.575 0.729 0.885 1.048 1.206 1.356 1.519 1.697 1.881 38 0.626 0.807 0.995 1.176 1.350 1.516 1.698 1.897 2.092 39 0.691 0.912 1.119 1.317 1.506 1.698 1.895 2.105 2.331 40 0.756 1.006 1.232 1.454 1.652 1.850 2.060 2.292 2.525 41 0.819 1.094 1.357 1.594 1.804 2.009 2.228 2.469 2.729 42 0.896 1.212 1.501 1.761 1.989 2.213 2.448 2.709 2.997 43 0.955 1.299 1.612 1.886 2.134 2.371 2.616 2.894 3.185 44 1.013 1.381 1.713 2.013 2.269 2.522 2.785 3.066 3.360 45 1.072 1.460 1.817 2.143 2.416 2.686 2.957 3.242 3.563 46 1.125 1.537 1.921 2.279 2.585 2.864 3.145 3.460 3.809 47 1.177 1.626 2.042 2.433 2.776 3.069 3.372 3.715 4.118 48 1.225 1.723 2.181 2.602 2.992 3.327 3.656 4.020 4.476 49 1.276 1.827 2.326 2.787 3.231 3.612 3.978 4.374 4.855 50 1.325 1.939 2.477 2.983 3.471 3.899 4.312 4.743 5.202 51 1.407 2.096 2.701 3.257 3.786 4.276 4.740 5.194 5.640 52 1.492 2.267 2.934 3.532 4.098 4.635 5.126 5.590 6.058 53 1.585 2.440 3.163 3.799 4.403 4.945 5.438 5.931 6.470 54 1.691 2.615 3.393 4.068 4.685 5.205 5.709 6.255 6.859 55 1.799 2.808 3.648 4.345 4.952 5.468 5.995 6.568 7.249 56 1.931 3.025 3.924 4.634 5.237 5.765 6.310 6.912 7.643 57 2.093 3.278 4.226 4.965 5.573 6.118 6.687 7.311 8.056 58 2.282 3.567 4.587 5.372 5.991 6.565 7.155 7.792 8.521 59 2.495 3.899 5.014 5.841 6.499 7.104 7.712 8.342 9.075 60 2.731 4.275 5.477 6.355 7.080 7.707 8.322 8.946 9.702 61 3.010 4.667 5.954 6.904 7.689 8.334 8.958 9.592 10.390 62 3.319 5.057 6.424 7.473 8.282 8.958 9.602 10.267 11.088 63 3.656 5.503 6.942 8.043 8.852 9.545 10.213 10.911 11.783 64 4.028 6.024 7.516 8.611 9.418 10.120 10.800 11.536 12.481 65 4.434 6.556 8.099 9.169 9.996 10.712 11.418 12.221 13.314 66 4.860 7.051 8.632 9.711 10.586 11.353 12.129 13.082 14.303 67 5.319 7.461 9.056 10.222 11.205 12.081 13.021 14.137 15.615 68 5.801 7.801 9.392 10.696 11.851 12.954 14.114 15.545 17.246 69 6.310 8.113 9.692 11.140 12.550 13.940 15.492 17.232 19.174 70 6.833 8.381 9.949 11.567 13.264 15.099 17.052 19.146 21.279 71 7.318 8.964 10.634 12.345 14.226 16.190 18.274 20.443 22.706 72 7.827 9.576 11.343 13.237 15.250 17.345 19.517 21.818 24.217 73 8.346 10.196 12.141 14.163 16.307 18.498 20.796 23.233 25.759 74 8.740 10.732 12.771 14.890 17.110 19.395 21.790 24.317 26.944 75 9.029 11.081 13.183 15.346 17.619 19.957 22.399 24.982 27.662 76 9.214 11.302 13.430 15.624 17.924 20.283 22.751 25.354 28.046 77 9.385 11.504 13.662 15.881 18.200 20.582 23.069 25.685 28.391 78 9.747 11.941 14.170 16.455 18.846 21.297 23.848 26.532 29.304 79 10.357 12.679 15.030 17.442 19.962 22.537 25.217 28.034 30.940 80 10.949 13.388 15.861 18.393 21.030 23.725 26.527 29.468 32.905 x [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ------ ------ ------ ------ ------ -------- 0 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.302 0.366 0.432 0.484 0.522 0.532 0.641 21 7 0.368 0.434 0.486 0.524 0.535 0.632 0.626 22 8 0.436 0.488 0.527 0.538 0.623 0.618 0.613 23 9 0.491 0.530 0.541 0.615 0.609 0.605 0.605 24 10 0.532 0.543 0.605 0.601 0.597 0.598 0.592 25 11 0.546 0.596 0.592 0.588 0.590 0.585 0.585 26 12 0.587 0.583 0.580 0.582 0.578 0.578 0.568 27 13 0.574 0.572 0.574 0.570 0.571 0.562 0.592 28 14 0.563 0.566 0.563 0.564 0.555 0.586 0.612 29 15 0.553 0.555 0.557 0.549 0.580 0.606 0.638 30 16 0.547 0.544 0.542 0.574 0.600 0.633 0.664 31 17 0.541 0.539 0.570 0.597 0.629 0.660 0.672 32 18 0.537 0.537 0.574 0.611 0.647 0.670 0.674 33 19 0.526 0.531 0.579 0.620 0.659 0.674 0.685 34 20 0.521 0.532 0.583 0.622 0.660 0.687 0.703 35 21 0.559 0.581 0.622 0.658 0.693 0.730 0.751 36 22 0.576 0.607 0.640 0.683 0.729 0.778 0.813 37 23 0.604 0.637 0.670 0.722 0.778 0.823 0.900 38 24 0.639 0.687 0.720 0.786 0.853 0.933 1.022 39 25 0.686 0.742 0.796 0.874 0.975 1.064 1.167 40 26 0.729 0.794 0.867 0.968 1.084 1.193 1.298 41 27 0.803 0.875 0.974 1.089 1.219 1.338 1.439 42 28 0.884 0.975 4.085 1.210 1.354 1.479 1.612 43 29 1.000 1.102 1.215 1.350 1.495 1.646 1.806 44 30 1.131 1.243 1.366 1.501 1.667 1.835 2.024 45 31 1.256 1.380 1.512 1.669 1.856 2.042 2.251 46 32 1.369 1.499 1.655 1.830 2.030 2.231 2.470 47 33 1.477 1.636 1.815 2.023 2.253 2.496 2.755 48 34 1.591 1.778 1.985 2.228 2.505 2.770 3.092 49 35 1.739 1.945 2.171 2.447 2.741 3.036 3.405 50 36 1.899 2.119 2.371 2.667 2.996 3.327 3.703 51 37 2.072 2.312 2.574 2.894 3.259 3.620 3.978 52 38 2.307 2.545 2.822 3.156 3.539 3.931 4.310 53 39 2.552 2.809 3.108 3.465 3.882 4.363 4.783 54 40 2.773 3.040 3.344 3.716 4.189 4.737 5.227 55 41 2.999 3.288 3.623 4.055 4.596 5.226 5.867 56 42 3.291 3.611 4.009 4.490 5.079 5.788 6.577 57 43 3.520 3.913 4.382 4.926 5.586 6.386 7.270 58 44 3.763 4.237 4.780 5.409 6.153 6.983 7.960 59 45 4.026 4.578 5.209 5.937 6.725 7.606 8.651 60 46 4.304 4.936 5.664 6.460 7.310 8.274 9.411 61 47 4.623 5.308 6.064 6.901 7.814 8.861 10.023 62 48 4.981 5.667 6.444 7.339 8.349 9.483 10.713 63 49 5.340 6.019 6.825 7.799 8.900 10.130 11.466 64 50 5.678 6.388 7.280 8.361 9.599 11.006 12.536 65 51 6.141 6.908 7.869 9.037 10.410 11.973 13.666 66 52 6.618 7.444 8.479 9.754 11.258 12.968 14.817 67 53 7.076 7.983 9.116 10.499 12.114 13.972 15.995 68 54 7.529 8.529 9.782 11.264 12.987 14.984 17.118 69 55 7.990 9.102 10.470 12.062 13.900 16.047 18.253 70 56 8.474 9.698 11.188 12.902 14.870 17.169 19.598 71 57 8.988 10.327 11.945 13.798 15.909 18.379 21.075 72 58 9.541 10.988 12.733 14.734 17.022 19.687 22.747 73 59 10.142 11.683 13.539 15.708 18.202 21.228 24.536 74 60 10.793 12.413 14.384 16.725 19.571 22.867 26.615 75 61 11.486 13.240 15.395 18.117 21.350 25.217 29.555 76 62 12.232 14.128 16.575 19.616 23.385 27.772 32.762 77 63 12.982 15.173 17.950 21.567 25.959 31.072 36.797 78 64 13.811 16.207 19.380 23.424 28.329 33.815 40.296 79 65 14.742 17.523 21.126 25.717 31.127 37.382 44.767 80 66 15.935 18.992 22.942 27.809 33.696 40.528 48.383 81 67 17.396 20.819 25.082 30.451 36.957 44.574 53.258 82 68 19.180 22.809 27.360 33.052 39.946 48.134 57.370 83 69 21.184 25.199 30.130 36.241 43.687 52.676 63.100 84 70 23.436 27.870 33.165 39.691 47.664 57.457 69.341 85 71 24.991 29.905 35.796 43.056 51.926 62.845 76.114 86 72 26.622 32.184 38.865 47.095 57.183 69.616 84.755 87 73 28.300 34.559 42.077 51.359 62.742 76.803 95.459 88 74 29.582 36.344 44.483 54.535 66.671 83.384 104.008 89 75 30.338 37.510 46.145 56.807 70.954 88.817 111.154 90 76 30.738 37.975 46.681 58.261 72.779 91.112 114.027 91 77 31.091 38.383 47.809 59.678 74.558 93.340 116.825 92 78 32.068 40.094 49.947 62.354 77.902 97.535 122.289 93 79 34.273 42.857 53.395 66.659 83.288 104.514 131.041 94 80 36.454 45.590 56.801 70.917 88.853 111.498 139.771 95
1987 MORTALITY ASSUMPTION PER 1000 FSKM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 --- ------ ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 0.150 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 0.138 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 0.135 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 0.136 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 0.146 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 0.188 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 O.189 0.234 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 0.304 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 0.371 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 0.438 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 0.493 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 0.535 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 0.549 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 0.915 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.919 0.894 15 0.317 0.382 0.442 0.492 0.527 0.548 0.924 0.898 0.878 16 0.384 0.444 0.475 0.506 0.527 0.912 0.903 0.882 0.862 17 0.451 0.482 0.498 0.514 0.907 0.896 0.882 0.869 0.854 18 0.460 0.486 0.502 0.877 0.898 0.867 0.853 0.846 0.838 19 0.449 0.480 0.839 0.852 0.854 0.822 0.814 0.806 0.808 20 0.426 0.783 0.813 0.815 0.808 0.766 0.775 0.768 0.784 21 0.692 0.774 0.809 0.807 0.794 0.754 0.779 0.793 0.825 22 0.672 0.757 0.803 0.800 0.787 0.766 0.782 0.798 0.842 23 0.669 0.747 0.805 0.802 0.800 0.788 0.805 0.833 0.877 24 0.653 0.734 0.794 0.813 0.822 0.820 0.840 0.877 0.930 25 0.646 0.719 0.793 0.824 0.856 0.866 0.895 0.942 0.996 26 0.627 0.702 0.777 0.821 0.875 0.906 0.943 0.990 1.050 27 0.641 0.708 0.787 0.855 0.920 0.970 1.021 1.074 1.149 28 0.670 0.738 0.819 0.897 0.972 1.036 1.092 1.171 1.261 29 0.712 0.782 0.862 0.950 1.040 1.111 1.193 1.287 1.392 30 0.767 0.849 0.939 1.021 1.118 1.215 1.303 1.424 1.576 31 0.811 0.913 0.997 1.096 1.196 1.310 1.423 1.566 1.755 32 0.839 0.946 1.046 1.147 1.262 1.388 1.540 1.707 1.908 33 0.840 0.963 1.077 1.204 1.342 1.493 1.668 1.848 2.060 34 9.828 0.975 1.114 1.265 1.435 1.609 1.796 1.997 2.215 35 0.839 1.014 1.179 1.371 1.557 1.756 1.958 2.178 2.430 36 0.850 1.062 1.267 1.485 1.706 1.919 2.150 2.393 2.659 37 0.892 1.131 1.372 1.625 1.869 2.102 2.354 2.630 2.915 38 0.971 1.251 1.542 1.823 2.092 2.350 2.631 2.940 3.242 39 1.071 1.413 1.734 2.041 2.335 2.631 2.937 3.263 3.612 40 1.172 1.559 1.910 2.254 2.561 2.867 3.193 3.552 3.914 41 1.269 1.696 2.103 2.470 2.796 3.113 3.453 3.827 4.230 42 1.388 1.879 2.326 2.729 3.083 3.430 3.794 4.198 4.645 43 1.481 2.013 2.499 2.923 3.308 3.675 4.055 4.486 4.936 44 1.570 2.140 2.656 3.120 3.518 3.909 4.316 4.752 5.207 45 1.662 2.263 2.817 3.322 3.744 4.163 4.584 5.025 5.523 46 1.744 2.382 2.977 3.532 4.007 4.440 4.875 5.364 5.904 47 1.824 2.521 3.165 3.770 4.303 4.757 5.227 5.758 6.382 48 1.899 2.670 3.381 4.033 4.637 5.157 5.667 6.231 6.938 49 1.978 2.832 3.606 4.319 5.008 5.599 6.166 6.780 7.526 50 2.054 3.005 3.839 4.624 5.380 6.043 6.683 7.352 8.064 51 2.180 3.249 4.187 5.048 5.868 6.627 7.347 8.050 8.743 52 2.313 3.514 4.548 5.475 6.352 7.185 7.946 8.664 9.391 53 2.457 3.782 4.902 5.888 6.824 7.664 8.428 9.192 10.029 54 2.620 4.053 5.260 6.305 7.262 8.068 8.849 9.696 10.632 55 2.789 4.353 5.654 6.734 7.676 8.475 9.293 10.181 11.236 56 2.994 4.689 6.082 7.183 8.118 8.936 9.781 10.714 11.847 57 3.244 5.082 6.551 7.695 8.638 9.483 10.365 11.332 12.487 58 3.537 5.529 7.110 8.326 9.286 10.176 11.090 12.078 13.208 59 3.867 6.044 7.772 9.054 10.074 11.011 11.953 12.930 14.066 60 4.233 6.626 8.490 9.850 10.973 11.945 12.899 13.867 15.038 61 4.666 7.234 9.228 10.701 11.918 12.917 13.885 14.868 16.089 62 5.144 7.838 9.957 11.583 12.837 13.884 14.884 15.913 17.186 63 5.666 8.529 10.760 12.466 13.721 14.795 15.830 16.912 18.264 64 6.243 9.338 11.649 13.347 14.597 15.686 16.741 17.881 19.345 65 6.872 10.162 12.554 14.212 15.493 16.603 17.697 18.943 20.637 66 7.533 10.930 13.380 15.052 16.409 17.597 18.800 20.278 22.170 67 8.244 11.564 14.037 15.845 17.368 18.726 20.183 21.913 24.203 68 8.991 12.091 14.558 16.579 18.369 20.079 21.877 24.095 26.731 69 9.780 12.575 15.022 17.267 19.453 21.607 24.012 24.710 29.719 70 10.590 12.990 15.420 17.929 20.560 23.403 26.431 29.677 32.983 71 11.343 13.894 16.483 19.134 22.050 25.094 28.325 31.687 35.195 72 12.132 14.842 17.581 20.517 23.638 26.885 30.251 33.817 37.537 73 12.934 15.804 18.819 21.952 25.277 28.671 32.234 36.011 39.927 74 13.548 16.634 19.796 23.080 26.520 30.063 33.775 37.692 41.764 75 13.995 17.176 20.433 23.786 27.310 30.933 34.719 38.723 42.876 76 14.282 17.518 20.817 24.217 27.782 31.438 35.263 39.299 43.471 77 14.546 17.830 21.176 24.615 28.210 31.902 35.757 39.812 44.006 78 15.108 18.509 21.964 25.505 29.211 33.010 36.964 41.125 45.421 79 16.054 19.652 23.296 27.035 30.941 34.932 39.087 43.453 47.957 80 16.970 20.752 24.585 28.509 32.597 36.775 41.117 45.676 51.002 x [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------- ------ -------- 0 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.145 0.184 0.228 0.296 0.360 0.425 O.476 18 4 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.232 0.300 0,364 0.429 0.481 0.519 0.530 20 6 0.302 0.366 0.432 0.484 0.522 0.532 0.798 21 7 0.368 0.434 0.486 0.524 0.535 0.816 0.780 22 8 0.436 0.488 0.527 0.538 0.834 0.797 0.763 23 9 0.491 0.530 0.541 0.853 0.816 0.781 0.753 24 10 0.532 0.543 0.872 0.834 0.799 0.771 0.737 25 11 0.546 0.891 0.852 0.817 0.789 0.755 0.727 26 12 0.910 0.871 0.835 0.808 0.773 0.746 0.707 27 13 0.889 0.854 0.827 0.792 0.764 0.725 0.737 28 14 0.873 0.845 0.810 0.783 0.743 0.756 0.761 29 15 0.857 0.829 0.802 0.762 0.776 0.782 0.794 30 16 0.848 0.813 0.780 0.796 0.804 0.817 0.826 31 17 0.839 0.805 0.821 0.829 0.842 0.852 0.836 32 18 0.832 0.802 0.826 0.848 0.866 0.865 0.839 33 19 0.815 0.794 0.833 0.861 0.881 0.870 0.852 34 20 0.808 0.794 0.840 0.863 0.883 0.887 0.875 35 21 0.866 0.867 0.896 0.913 0.927 0.942 0.934 36 22 0.893 0.907 0.921 0.948 0.976 1.004 1.012 37 23 0.936 0.952 0.964 1.003 1.041 1.062 1.120 38 24 0.990 1.026 1.037 1.092 1.141 1.204 1.272 39 25 1.063 1.109 1.146 1.214 1.306 1.373 1.452 40 26 1.130 1.186 1.248 1.343 1.451 1.539 1.615 41 27 1.245 1.307 1.402 1.512 1.631 1.727 1.791 42 28 1.370 1.457 1.562 1.679 1.813 1.909 2.006 43 29 1.550 1.646 1.750 1.874 2.001 2.125 2.247 44 30 1.753 1.857 1.967 2.084 2.231 2.368 2.519 45 31 1.947 2.062 2.177 2.318 2.484 2.636 2.801 46 32 2.122 2.239 2.384 2.541 2.717 2.880 3.073 47 33 2.289 2.444 2.614 2.809 3.016 3.221 3.428 48 34 2.466 2.656 2.858 3.093 3.353 3.575 3.848 49 35 2.696 2.906 3.126 3.397 3.669 3.918 4.237 50 36 2.944 3.165 3.415 3.702 4.010 4.294 4.608 51 37 3.211 3.454 3.707 4.017 4.362 4.672 4.950 52 38 3.576 3.801 4.064 4.382 4.737 5.073 5.364 53 39 3.955 4.196 4.475 4.810 5.195 5.631 5.952 54 40 4.298 4.541 4.815 5.159 5.607 6.114 6.504 55 41 4.648 4.913 5.216 5.630 6.152 6.744 7.301 56 42 5.101 5.395 5.773 6.233 6.798 7.470 8.185 57 43 5.456 5.846 6.310 6.839 7.476 8.242 9.047 58 44 5.833 6.330 6.883 7.509 8.236 9.012 9.906 59 45 6.241 6.839 7.501 8.243 9.001 9.816 10.766 60 46 6.671 7.374 8.156 8.968 9.784 10.678 11.711 61 47 7.166 7.929 8.732 9.580 10.459 11.436 12.473 62 48 7.721 8.466 9.280 10.188 11.175 12.238 13.331 63 49 8.277 8.992 9.828 10.827 11.912 13.074 14.268 64 50 8.801 9.543 10.484 11.606 12.848 14.205 15.601 65 51 9.519 10.320 11.331 12.546 13.933 15.452 17.007 66 52 10.257 11.120 12.210 13.541 15.069 16.736 18.439 67 53 10.967 11.925 13.126 14.575 16.215 18.031 19.905 68 54 11.669 12.742 14.086 15.637 17.383 19.338 21.303 69 55 12.384 13.597 15.076 16.745 18.604 20.709 22.714 70 56 13.134 14.488 16.110 17.911 19.903 22.158 24.388 71 57 13.931 15.427 17.201 19.155 21.294 23.719 26.226 72 58 14.788 16.415 18.336 20.454 22.783 25.407 28.307 73 59 15.720 17.453 19.497 21.806 24.363 27.396 30.534 74 60 16.729 18.543 20.712 23.218 26.195 29.511 33.121 75 61 17.803 19.780 22.169 25.150 28.576 32.545 36.779 76 62 18.960 21.105 23.868 27.232 31.300 35.842 40.770 77 63 20.122 22.667 25.848 29.940 34.745 40.100 45.791 78 64 21.407 24.211 27.907 32.518 37.917 43.641 50.146 79 65 22.850 26.178 30.422 35.701 41.662 48.244 55.710 80 66 24.700 28.372 33.036 38.605 45.101 52.304 60.210 81 67 26.965 31.101 36.118 42.273 49.465 57.526 64.276 82 68 29.729 34.074 39.399 45.884 53.466 62.120 71.394 83 69 32.834 37.645 43.388 50.310 58.473 67.982 78.525 84 70 36.325 41.634 47.758 55.100 63.796 74.152 84.291 85 71 38.735 44.674 51.546 59.772 69.501 81.106 94.720 86 72 41.264 48.079 55.966 65.379 76.537 89.845 105.472 87 73 43.864 51.627 60.591 71.299 83.978 99.119 118.794 88 74 45.853 54.293 64.055 75.707 89.504 107.612 129.432 89 75 47.024 56.035 66.449 78.862 94.969 114.624 138.325 90 76 47.644 56.729 67.221 80.880 97.412 117.586 141.900 91 77 48.192 57.340 68.846 82.846 99.793 120.461 145.383 92 78 49.706 59.896 71.924 86.562 104.269 125.875 152.182 93 79 53.123 64.022 76.889 92.538 111.478 134.882 163.073 94 80 56.504 68.105 81.793 98.449 118.926 143.895 173.938 95
Memorandum Adden___ No. IV to the Reinsurance Agreement effective June 1, 1984 between the Life Insurance Company of Virginia and the North American Reassurance Company. Effective September 1, 1988, Memorandum Addendum No. I to the above referenced Agreement shall be replaced by the following: Effective September 1, 1988 the Single Premium Whole Life plan (Standard issues only) shall be ceded to the North American Re under the above referenced Reinsurance Agreement subject to the same terms and conditions of the Agreement except as provided below: 1. Plan of Reinsurance: A. Reinsurance of Life risks shall be on the risk premium basis. The risk amount on the policy reinsured shall be calculated monthly and shall be equal to the death benefit less the cash value. At the time of issue, the Company shall cede to the North American Re the portion of the initial risk amount in excess of its retention. Thereafter, the Company and the North American Re shall keep the same proportionate shares of the risk amount developed each month. However, increases in the reinsured risk amount shall be limited to an ultimate maximum of $1,000,000. 2. Reinsurance Administration: A. Reinsurance shall be ceded using a bordereau format in accordance with the suggested reporting details for Universal Life products as indicated in Exhibit C of the basic Agreement, except that premiums shall be reported and paid for on a monthly basis. - 1 - 3. Reinsurance Premiums: A. Life Premiums: 1) Until further notice, reinsurance premiums shall be at the rates given in the attached Exhibit B. The North American Re guarantees that premium rates for a given attained age, rating and duration shall not exceed the higher of the rate shown in the attached schedule (Exhibit B) for that age, rating and duration or the one year term rate on the appropriate multiple of the applicable 1980 CSO table at the maximum statutory valuation rate approved in New York State. 2) Reinsurance premiums are calendar month premiums payable at the end of the month in which they become due. 4. Premium Tax Reimbursement: A. The reinsurance premium rates applicable for the Single Premium Whole Life plan of insurance take into consideration the Company's liability for premium taxes. Accordingly, the North American Re shall make no separate reimbursement to the Company for premium taxes on the portion of the Company's premium paid to the North American Re as reinsurance premiums. - 2 - IN WITNESS WHEREOF the Company and the North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. LIFE INSURANCE COMPANY OF VIRGINIA By /s/ Illegible __ Vice President -----------------, ------------------ Authorised Officer Title Attest: By /s/ Illegible Vice President Actuary --------------------, ---------------------- Authorised Officer Title Date: 3/22/90 NORTH AMERICAN REASSURANCE COMPANY By /s/ Illegible ______________ --------------------, --------------- Authorized Officer Title Attest: By /s/ Illegible ________________ -------------------, ---------------- Authorised Officer Title Date: Mar. 30, 1990 - 3 - Reinsurance Premiums I. Plan: Single Premium Whole Life (Standard Issues Only) II. Standard Reinsurance Risk Premiums: Reinsurance on the above plan shall be ceded on a bordereau basis employing monthly reinsurance premiums. The reinsurance premiums shall equal one-twelfth the rates attached to this Exhibit B, less the following percentage reduction: All Policy Years ---------------- 10% III. Maximum Amount of Reinsurance On One Life on These Reinsurance Premiums: $3,000,000. IV. Reinsurance Premiums For Policies Converted To The Single Premium Whole Life Plan: Any reinsurance in force with the North American Re on policies converted to or reissued on the above plan shall be continued with the North American Re. The reinsured risk amount shall be determined as described in Paragraph I of this Addendum following the conversion or reissue. The applicable reinsurance premiums will be determined as described in this Exhibit B, with age and duration measured from the date of issue of the original policy. V. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B LIFE INSURANCE COMPANY OF VIRGINIA Single Premium Whole Life Annual Cost per $1,000 SPWL COST FACTORS - FEMALE
DUR 0 1 2 3 4 5 6 7 --- ------- ------- ------- ------- ------- ------- ------- ------- 0 3.3060 .7450 .4624 .3516 .2817 .2507 .2156 .1967 1 .7551 .4705 .3578 .2867 .2551 .2194 .2002 .1778 2 .4788 .3641 .2_17 .2596 .2232 .2037 .1807 .1637 3 .3705 .2969 .2642 .2272 .2073 .1837 .1663 .1597 4 .3021 .2689 .2312 .2109 .18_8 .1685 .1620 .1609 5 .2736 .2353 .2147 .1899 .1715 .1644 .1630 .1725 6 .2394 .2185 .1930 .1741 .1668 .16_2 .1746 .2210 7 .2223 .1962 .17_9 .1692 .1675 .1768 .2236 .2756 8 .1995 .1796 .1717 .1697 .1790 .2261 .2785 .3576 9 .1824 .1742 .1720 .1812 .22_7 .2_14 .3610 .4354 10 .1767 .1743 .1835 .2314 .2843 .3644 .4391 .5143 11 .1767 .1858 .2340 .2873 .3678 .4428 .5181 .5792 12 .1881 .2367 .2903 .3713 .4465 .5219 .5835 .6279 13 .2394 .29_3 .3748 .4503 .5258 .5_79 .6326 .6442 14 .2964 .3783 .4540 .5297 .5922 .6373 .6490 .6279 15 .3762 .4522 .5224 .5798 .6199 .6428 .6326 .6117 16 .4560 .52_2 .5617 .5966 .6199 .62_3 .6162 .5988 17 .5244 .5602 .5735 .5966 ._143 .6043 .5926 .5805 18 .5244 .5545 .5729 .5854 .5977 .5754 .5637 .5571 19 .5016 .5375 .5504 .5576 .5579 .5357 .5296 .5231 20 .4674 .5036 .5224 .5233 .5182 .4907 .4957 .4893 21 .4275 .4753 .4938 .4892 .4786 .4514 .4620 .4648 22 .4130 .4614 .4852 .4794 .4675 .4498 .4526 .4542 23 .4087 .4518 .4813 .4743 .4669 .4523 .4538 .4595 24 .3969 .4406 .4702 .4742 .4706 .4602 .4603 .4700 25 .3900 .4280 .4641 .4728 .4800 .4738 .4780 .4917 26 .3828 .4210 .45_8 .4712 .4897 .4942 .5027 .5165 27 .3886 .4201 .4556 .4819 .5056 .5206 .5356 .5520 28 .4080 .4389 .4736 .5054 .5339 .55_3 .5740 .6032 29 .4347 .4647 .4985 .5355 .5725 .5979 .6292 .6646 30 .4690 .5047 .5437 .5772 .6175 .6572 .6895 .7360 31 .5112 .5598 .5960 .6395 .6825 .7296 .7735 .8304 32 .5550 .6093 .6567 .70_6 .7551 .8092 .8747 .9442 33 .5852 .6530 .7122 .7760 .8420 .9114 .9907 1.0669 34 .6084 .6980 .7764 .8570 .9448 1.0294 .1.1184 1.2046 35 .6400 .7519 .8498 .9597 1.0579 1.1577 1.2519 1.3519 36 .6560 .7957 .9214 1.0480 1.1674 1.2732 1.3844 1.4927 37 .6960 .8561 1.0074 1.1566 1.2894 1.4067 1.52_0 1.6498 38 .7520 .9394 1.1223 1.2856 1.4304 1.5554 1.6848 1.8231 39 .8240 1.0531 1.2512 1.4277 1.5801 1.7224 1.8608 2.0066 40 .9120 1.1742 1.3943 1.5921 1.7491 1.8949 2.0473 2.2059 41 1.0000 1.2951 1.5529 1.7631 1.9307 2.0854 2.2396 2.4008 42 1.0880 1.4241 1.7040 1.9337 2.1183 2.2813 2.4407 2.6097 43 1.1760 1.54_4 1.8549 2.1038 2.3051 2.4761 2.6392 2.8153 44 1.2640 1.6666 2.0056 2.2804 2.4862 2.6690 2._418 3.017_ 45 1.3600 1.7954 2.1633 2.4666 2._854 2.8784 3.0579 3.2333 46 1.4560 1.9257 2.3297 2.6727 2.92_6 3.131_ 3.3209 3.5222 47 1.5520 2.0779 2.5250 2.90_3 3.2069 3.4281 3.6360 3.8577 48 1.6480 2.24_3 2.7493 3.1743 3.5328 3.7__0 4.0236 4.2681 49 1.7520 2.4280 2.9953 3.4766 3._992 4.2093 4.4785 4.7487 50 1.85_0 2.6335 3.26_0 3.8053 4.2802 4._495 4.9656 5.2664 51 1.9__0 2._4__ 3.55_0 4.1488 4._6_3 5.09_1 5.4558 5.7672 DUR 8 9 10 11 12 13 14 ULT --- ------- ------ ------ ------ ------ ------ ------ ------ 0 .1749 .1587 .1529 .1524 .1_20 .20_4 .25_2 .3316 1 .1612 .1552 .1545 .1641 .20_8 .25_9 .3348 .4070 2 .1574 .1566 .16_1 .2112 .2616 .3380 .41_5 .4846 3 .1587 .1682 .2136 .2643 .3412 .4140 .4883 .5459 4 .1703 .21_1 .2671 .3444 .4175 .4919 .549_ .5918 5 .21_5 .2699 .3477 .4210 .4_56 .5540 .5962 .6071 6 .2727 .3510 .4246 .4993 .5582 .6006 .6116 .5918 7 .3543 .4282 .5030 .5623 .6051 .6162 .5962 .5765 8 .4318 .5067 .5665 .6096 .6208 .6006 .5808 .5620 9 .5105 .5707 .6142 .6254 .6051 .5851 .5665 .5528 10 .57_0 .6187 .6300 .6096 .5895 ._710 .5575 .5387 11 .6233 .6347 .6142 .5939 .5756 .5622 .5435 .5296 12 .6394 .6187 .5983 .5_01 .56_9 .5484 .5347 .5109 13 .6233 .6027 .5847 .5717 .5533 .5397 .5160 .5274 14 .6072 .5894 .5766 .5582 .5449 .5212 .5333 .5386 15 .5941 .5761 .5633 .5500 .5264 .5391 .5451 .5540 16 .5810 .5683 .5500 .5316 .5451 .5516 .5612 .5687 17 .5681 .5552 .5369 .5511 .5583 .5685 .5768 .5693 18 .5499 .5423 .5264 .5450 .5613 .5754 .5779 .5655 19 .5214 .5219 .5110 .5390 .5594 .5772 .57_2 .5699 20 .4963 .5069 .5009 .53_0 .5526 .5714 .5809 .5819 21 .4767 .4922 .50_8 .5271 .5486 .5698 .5943 .6047 22 .4704 .4896 .5067 .5252 .55_0 .5838 ._1_2 ._372 23 .4742 .4972 .5172 .5373 .5750 ._138 ._44_ .6_98 24 .4886 .5103 .5420 .5630 .6092 ._548 .7107 .7741 25 .5096 .5334 .5711 ._0_1 .6594 .7292 .7893 ._601 26 .5369 .5674 ._104 .6585 .7270 .8_65 .8794 .9500 27 .5793 .6154 .6626 .7295 .80_1 .8968 .9779 1.0477 28 .6364 .6769 .7372 .8102 .8942 .9919 1.0766 1.1661 29 .7027 .7653 .8316 .9054 .9941 1.0914 1.1921 1.2981 30 .7959 .5648 .9366 1.0152 1.1035 1.2123 1.3219 1.4481 31 .9075 .9819 1.0582 1.1402 1.2387 1.3556 1.4722 1.6084 32 1.0275 1.1119 1.191_ 1.2886 1.3953 1.5194 1.6462 1.7955 33 1.1559 1.2501 1.3451 1.4505 1.5740 1.7132 1.8532 1.9_86 34 1.2986 1.4031 1.512_ 1.6312 1.7757 1.9335 2.0707 2.2382 35 1.4619 1.5715 1._955 1.8315 1.99_3 2.1622 2.3147 2.5063 36 1.60_2 1.7237 1._594 2.0102 2.1_34 2.3688 2.5370 2.7280 37 1.7714 1.8956 2.0415 2.1933 2.3785 2.5811 2.7_71 2.9358 38 1.9516 2.____ 2.2251 2.3856 2.57__ 2.7945 3.0041 3.1851 39 2.1522 2.2803 2.4239 2.5866 2.7857 3._169 3.2746 3.4614 40 2.3522 2.4987 2.6375 2.80_5 3.0058 3.2690 3._619 3.789_ 41 2.5648 2.7183 2.8652 3.03__ 3.2643 3.5485 3.8729 4.167_ 42 2.7842 2.95_3 3.1110 3.3141 3.55_5 3.3582 4.2103 4.57_6 43 2.9888 3.1872 3.3867 3.6193 3.____ 4.2010 4.5727 4.9517 44 3.1896 3.4395 3.6819 3.9506 4.2459 4.5794 4.9232 5.3300 45 3.4213 3.7134 4.00_9 4.3069 4._3_3 4.9549 5.3012 5.6975 46 3.7299 4.0547 4.3899 4.7472 5.0991 5.4484 5._1_7 6.2189 47 4.1202 4.4491 4.__08 5.1947 5._914 5.9853 6.3_17 6.7990 48 4.5772 4.__73 5.2625 5.66_9 _.1131 6.__17 7.023_ 7.4689 49 5.0752 5.3704 5.7422 6.1745 6.6684 7.1855 7.7152 8.2217 50 5.5551 5.____ 6.2457 6.7114 7.261_ 7.__88 8._582 9.03_6 51 6.____ 6.3_21 _.777_ 7.2__2 7.____ 8.5555 9.24_3 9._206
SPW__emale 52 2.0880 3.0766 3.85_9 4.5003 5.0534 5.5240 5.9010 6.2342 53 2.2160 3.3067 4.15_4 4.8390 5.4259 5.8981 6.2869 _.6506 54 2.3600 3.5447 4.4605 5.1787 5.7749 6.2310 6._371 7.0388 55 2.5120 3.8058 4.7922 5.5318 6.1305 6.5813 6.9933 7.4214 56 2._960 4.0977 5.1558 5.9265 6.5190 6.9829 7.3911 7._490 57 2.9200 4.4411 5.5776 6.3834 6.9602 7.4196 7.8720 8.3441 58 3.1840 4.8532 6.0866 6.9303 7.5133 8.0014 _.4656 8.9405 59 3.4960 5.3339 ___0757 7.5673 8.1915 8.7021 9.1721 9.6382 60 3.8480 5.8_81 7.3229 8.2735 _____ 9.4903 9.9676 10.4203 61 4.2560 6.4382 8.0133 9.0598 9.828_ 10.3853 10.8821 11.3582 62 4.7120 7.0171 8.7062 9.8_51 10.7015 11.3075 11.8429 12.3714 63 5.2160 7.6810 9.4745 10.7427 11.5740 12.2190 12.8024 13.4038 64 5.7760 8.460_ 10.3480 11.6258 12.4728 13.1515 13.7846 14.4729 65 6.3920 9.2805 11.2613 12.5276 13.4249 14.1565 14.8631 15.6842 66 7.0560 10.0794 12.1548 13.4773 14.4976 15.3588 16.22_2 17.3222 67 7.7840 10.7810 12.9287 14.4366 15.6731 16.7576 17.9282 19.3419 68 8.5680 11.4078 13._187 15.3981 16.9_02 18.4508 20.0309 21.8778 69 9.4160 12.0291 14.2983 16.3763 18.4054 20.4210 22.5632 24.9603 70 10.3200 12.6215 14.9599 17.3905 19.9658 22.6497 25.5021 28.5694 71 11.2960 15.4378 19.0084 21.3244 23.4699 25.8361 28.4240 31.6778 72 12.3440 16.8606 20.8255 23.4517 25.8971 28.5790 31.4385 35.0271 73 13.4480 18.4296 22.8472 25.8198 28.5735 31.5374 34._818 38.5444 74 14.6720 20.17_8 25.0990 28.4256 31.4771 34.7268 38.0835 42.1731 75 16.0240 22.1111 27.5684 31.2556 34.5930 38.0598 41.5844 45.1449
52 6.5450 6.9005 7.3333 7.8882 8.5575 9.3017 10.0885 10._425 53 7.0136 7.4089 7.9033 8.52_5 9.2601 10.0795 10.9572 11._128 54 7.4663 7.9223 8.4875 9.1947 10.0047 10.8928 11.8593 12.7728 55 7.9296 8.4508 9.1049 9.9106 10.7999 11.7653 12.8315 13.7845 56 8.____ 9.0095 9.7698 10.6757 11.65_2 12.7168 13.8962 15.0069 57 8.9042 9.6235 10.4870 11.5034 12.59_4 13.7710 15.0_28 1_.3_15 58 9.____ 10.29_0 11.2612 12.3893 13._145 14.9396 16.4100 17.9994 59 10.1823 11.0479 12.0971 13.3334 14.71_8 1_.2267 1_._017 19.7851 60 10.98_4 11.8784 13.0090 14.3625 15.9159 17.7492 19.7615 21.7772 61 11.97_0 12.9245 14.1808 15.7036 17.6050 19.7703 22.1204 24.5311 62 13.0630 14.0972 15.4881 17.2959 19.4957 22.0139 24.7451 27.61_4 63 14.1965 15.3476 16.9866 19.0480 21.5842 24.4_58 27._462 30.8519 64 15.4024 16.7752 18._287 20.9810 23.8890 27.2279 30.6241 34.3734 65 16.8562 18.42_0 20.5118 23.1759 2_.46_7 30.0634 33.8897 38.1041 66 18.7619 20.6015 22.9893 26.0403 29.6252 33.71_4 38.1186 42.8159 67 21.1235 23.2711 25.9792 29.2471 33.2282 37.7__2 42.7_54 48.0527 68 24.0721 26.5673 29.4592 33.0160 37.3416 42.3459 47.9533 53.7966 69 27.63_8 30.3942 33.5666 37.3724 41.9834 47.3806 53.6077 60.3969 70 31.6893 34.8396 3_.3039 42.3137 47.1652 52.9196 59.7875 67.8029 71 3_.13_8 38.685_ 42.8758 47.3592 52.7546 59.4417 67.4328 76.0977 72 38.743_ 42.5211 47.2453 52.2492 53.57_1 6_.2416 75._067 85.3327 73 42.4908 4_.7394 51.9814 57.8538 65.0841 73.8326 85.1643 96.1786 74 4_.5918 51.3034 57.4128 6_.1052 72.3349 82.2545 96.1376 .0000 75 51.0317 5_.52_2 63.45_7 71.0_25 80.3629 92.04_9 .0000 .0000
LIFE INSURANCE COMPANY OF VIRGINIA Single Premium Whole Life Annual Cost per $1,000 SPWL COST FACTORS - MALE
DUR 0 1 2 3 4 5 6 7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 5.8000 1.2917 .7922 .5951 .4710 .4139 .3514 .3165 1 1.3300 .8138 .6130 .4852 .4265 .3622 .3263 .2891 2 .8400 ._313 .4998 .4395 .3732 .3363 .2973 .2690 3 .6500 .5147 .4527 .3845 .3466 .3_57 .2760 .2653 4 .5300 .4662 .39_1 .3571 .3142 .28_0 .2714 .2700 5 .4800 .4079 .3678 .3229 .2902 .2776 .2756 .2925 6 .4200 .3788 .3318 .2975 .2840 .2812 .2978 .3725 7 .3900 .3408 .3048 .2903 .2868 .3031 .3792 .4615 8 .3500 .3124 .2968 .2925 .3084 .3859 .4698 .5951 9 .3200 .3034 .2983 .3138 .3927 .47_1 .60_7 .7199 10 .3100 .3041 .3192 .3995 .48_4 .6163 .7327 .8450 11 .3100 .3246 .4063 .4947 .6269 .7454 .8598 .9530 12 .3300 .4131 .5031 .637_ .7582 .8747 .9696 1.0347 13 .4200 .5115 .6484 .7711 .8897 .9862 1.0524 1.0629 14 .5200 .6592 .7840 .9046 1.0028 1.0702 1.0809 1.0376 15 .6600 .7871 .9004 .9909 1.0505 1.0805 1.0549 1.0122 16 .8000 .9151 .9685 1.0201 1.0514 1.0539 1.0239 .9942 17 .9200 .9744 .9980 1.0208 1.0428 1.0179 .9925 .9674 18 .9200 .9647 .9887 1.0023 1.0155 .9716 .9469 .9315 19 .8800 .9354 .9503 .9551 .9496 .9063 .8923 .8778 20 .8200 .8765 .9021 .8978 .8833 .8328 .8377 .8240 21 .7500 .8274 .8536 .84_5 .8180 .76__ .7830 .7811 22 .7000 .7776 .8137 .8006 .7782 .7468 .7486 .7437 23 .5700 .7378 .7836 .77_4 .7573 .7302 .7286 .7331 24 .6300 .6979 .7439 .7498 .7419 .7229 .7197 .7311 25 .6000 .6582 .7139 .7265 .7360 .7245 .7283 .7458 26 .5800 .6385 .6928 .7142 .7413 .7464 .7570 .7739 27 .5800 .6279 .6814 .7208 .7556 .7769 .7965 .8170 28 .5000 .6467 .6988 .7459 .7879 .8194 .8429 .8821 29 .6300 .6752 .7256 .7802 .8338 .8694 .9124 .9602 30 .6700 .7232 .7808 .8296 .8875 .9434 .9876 1.0506 31 .7171 .7882 .8412 .9041 .9652 1.0313 1.0915 1.1726 32 .7650 .8432 .9116 .9786 1.0512 1.1265 1.2199 1.3194 33 .7931 .8888 .9727 1.0623 1.1543 1.2531 1.3__2 1.4756 34 .8112 .9350 1.0439 1.1553 1.2786 1.3984 1.5224 1.6493 35 .8400 .9917 1.1252 1.2765 1.4136 1.5543 1.6889 1.8328 36 .8856 1.0783 1.2537 1.4316 1.6012 1.7536 1.9147 2.0734 37 .9657 1.1920 1.4075 1.6218 1.8145 1.9866 2.1630 2.3474 38 1.0716 1.3428 1.6092 1.8492 2.0640 2.2516 2.4469 2.65_4 39 1.2051 1.5444 1.8402 2.1056 2.3371 2.5547 2.7680 2.9934 40 1.3680 1.7658 2.1021 2.4065 2.6506 2.8788 3.1191 3.3684 41 1.4750 1.9192 2.3125 2.6385 2.9040 3.1530 3.4045 3.6697 42 1.5776 2.0792 2.5058 2.8646 3.1620 3.4324 3.7027 3.9931 43 1.6758 2.2224 2.6930 3.0846 3.4146 3.7073 3.9957 4.3122 44 1.7696 2.3601 2.8742 3.3088 3._542 3.9761 4.2924 4.6271 45 1.8700 2.5029 3.0594 3.5410 3.91_9 4.26_3 4.6102 4.9631 46 2.0020 2.6846 3.2948 3.8369 4.2675 4._41_ 5.0069 5.4065 47 2.1340 2.8968 3.5711 4.1723 4.6762 5.0811 5.4820 5.9214 48 2.2660 3.1303 3.8883 4.5569 5.1515 5.6264 6._664 6.5513 49 2.4090 3.3849 4.23_2 4.9909 5.___8 6.2388 6.7521 7.2890 50 2.5520 3.6714 4._147 5.4629 6.2413 6.__12 7.48__ 8.0885 51 2.7060 3.971_ 5.0355 5.9674 6.6264 7.5813 8.2590 8.8952 DUR 8 9 10 11 12 13 14 ULT --- ------ ------- ------- ------- ------- ------- ------- ------- 0 .2810 .2555 .2473 .2482 .26_4 .3330 .4048 .5121 1 .2622 .2532 .2536 .2716 .3395 .412_ ._223 .6200 2 .2592 .2590 .2768 .3480 .4205 .5326 .5323 .7283 3 .2645 .2820 .3526 .4289 .5429 .6447 .7427 .8228 4 .2872 .3592 .4370 .5532 .6571 .7571 .8389 .8946 5 .3659 .4452 .5637 .6696 .7716 .8550 .9120 .9205 6 .4533 .5741 .6821 .7862 .8712 .9293 .9382 .9000 7 .5846 .6947 .8008 .8875 .9467 .9558 .9171 .8794 8 .7073 .8155 .9038 .9642 .9736 .9342 .8959 .8638 9 .8302 .9201 .9817 .9913 .9513 .9124 .8800 .85_1 10 .93_6 .9993 1.0092 .9685 .9269 .8963 .8721 .8405 11 1.0170 1.0270 .9857 .9455 .9125 .8882 .85_2 .8327 12 1.0449 1.0029 .9621 .9288 .9043 .8720 .8483 .8094 13 1.0202 .9788 .9451 .9204 .8878 .8__9 .8245 .8319 14 .9954 .9614 .93__ .9037 .8796 .8397 .8486 .8457 15 .9778 .9441 .9195 .8953 .8550 .8653 .8638 .8660 16 .9_02 .9355 .9025 .8702 .8822 .8820 .8857 .8852 17 .9426 .9161 .8855 .8991 .9003 .9055 .9065 .8820 18 .9162 .9008 .8656 .8863 .9020 .9129 .9045 .8697 19 .8721 .8646 .8378 .8736 .8957 .9123 .8940 .8700 20 .8282 .8376 .8188 .8612 .8818 .8973 .8967 .8816 21 .7937 .8111 .8162 .84__ .8762 .8891 .9109 .9093 22 .76_8 .7879 .8073 .82_0 .8574 .8910 .9248 .9390 23 .7513 .7814 .8040 .8253 .8712 .9165 .9470 1.0180 24 .7553 .7820 .8222 .8443 .9021 .9562 1.0293 1.1114 25 .7677 .7970 .8454 .8877 .9542 1.0482 1.1267 1.2166 26 .7994 .8383 .8940 .9547 1.0484 1.1566 1.2538 1.3460 27 .8524 .8991 .9601 1.0528 1.1614 1.2831 1.3925 1.4845 28 .9256 .9780 1.0622 1.1640 1.2807 1.4156 1.5312 1._522 29 1.0101 1.0985 1.1916 1.2948 1.4188 1.5542 1.6934 1.8393 30 1.1355 1.2331 1.3346 1.4452 1.5694 1.7222 1.8755 2.0518 31 1.2825 1.3884 1.4971 1._139 1.7540 1.9201 2.0856 2.2788 32 1.4384 1.5595 1.6747 1._136 1.9671 2.1457 2.3286 2.5437 33 1.6034 1.7392 1.67_9 2.0301 2.2096 2.4124 2.6175 2.8315 34 1.7851 1.9367 2.0966 2.2704 2.4821 2.7146 2.9202 3.1710 35 1.9919 2.1522 2.3343 2.5352 2.7787 3.0289 3.2595 3.5509 36 2.2409 2.4156 2.6176 2.8432 3.1030 3.3830 3._418 3.9365 37 2.5300 2.7178 2.9387 3.1699 3.4517 3.7617 4.0502 4.3163 38 2.8531 3.0607 3.2749 3.5233 3.8185 4.15_7 4.4849 4.7727 39 3.2199 3.4223 3.6477 3.9042 4.2173 4.5810 4.9875 5.2884 40 3._009 3.8320 4.0584 4.3201 4.6486 5.0686 5.53_6 5.9059 41 3.9429 4.2037 4.4582 4.7537 5.1460 5.6330 6.1929 6.7159 42 4.2983 4.5976 4.8957 5.2690 5.7160 6.2719 6.9273 7.6235 43 4.6342 5.0054 5.3907 5.8433 6.3678 6.9948 7.7430 8.5371 44 4.9671 5.4442 5.9288 6.4776 7.0968 7.8116 8.5824 9.5093 45 5.3514 5.9246 6.5181 7.1735 7.9052 8.6615 9.5164 10.5225 46 5.8340 6.4690 7.1518 7.9067 8.6943 9.5242 10.4454 11.4884 47 6.4444 7.0981 7.8536 8.8519 9.5338 10.4628 11.4740 12.55_8 48 7.1592 7.3132 8.5732 9.4419 10.4231 11.4705 12._088 13.7940 49 7.93__ 8.5680 9.8547 10.2840 11.3701 12.5609 13.8498 15.1842 50 8.7_43 9.3629 10.1749 11.17_2 12._815 13.7204 1_.1837 16.6893 51 9.5327 10.24_4 11.1233 12.2332 13.5755 15.1101 16.7928 18.3529
SPWL-MALE 52 2.8710 4.2943 5.4684 6.4854 7.4072 8.2419 8.9693 9.6620 53 3.0470 4._184 5.9032 6.9868 7.9738 8.8217 9.5946 10.35_9 54 3.2450 4.9539 6.3399 7.4916 8.5087 9.3582 10.1699 11.0140 55 3.4540 5.3220 6.8200 8.0176 9.05_0 9.9169 10.7588 11.6681 56 3.7070 5.7302 7.3375 8.5896 9.6299 10.4919 11.3707 12.3404 57 4.0150 6.2104 7.9377 9.2519 10.2816 11.1801 12.1105 13.1188 58 4.3780 6.78_7 8.6622 10.0446 11.0987 12.05_8 13.0238 14.0565 59 4.8070 7.4589 9.5004 10.9678 12.1006 13.1125 14.1106 15.1535 60 5.2910 8.2059 10.4215 11.9913 13.2484 14.3003 15.3344 16.3831 61 5.8520 8.9955 11.3840 13.0951 14.4643 15.5729 16.6405 17.7908 62 6.4790 9.7958 12.34_4 14.2491 15.6899 16.8738 18.0562 19.30_3 63 7.1720 10.7135 13.4124 15.4432 16.9058 18.1925 19.4620 20.8412 64 7.9420 11.7913 14.6232 16.6674 18.1877 19.5367 20.8946 22.4227 65 8.7890 12.9224 15.8858 17.9390 19.5432 20.9826 22.4651 24.2131 66 9.7020 14.0194 17.1250 19.2611 21.0463 22.6812 24.4112 26.3999 67 10.7030 14.9865 18.1930 20.5919 22.6908 24.6581 2_.6864 29.1081 68 11.7810 15._488 19.1407 21.9214 24.4885 26.9172 29.5043 32.5125 69 12.9470 16.7022 20.0716 23.2698 26.3978 29.5387 32.8902 3_.637_ 70 14.1900 17.5146 20.9752 24.5897 28.4459 32.4871 36.7936 41.4265 71 15.5320 21.3973 26.5330 29.9487 33.1337 36.6305 40.4351 45.3350 72 16.9730 23.3181 28.9404 32.7149 3_.2292 40.0558 44.2375 49.4832 73 18.4910 25.4321 31.6094 35.7771 39._132 43.8111 48.27_2 53.7604 74 20.1740 27.7821 34.5714 39.1252 43.3356 47.8186 52.4475 58.0838 75 22.0330 30.3790 37.8056 42.7998 47.2970 51.9523 5_.6659 62.7666
52 10.3531 11.1527 12.1238 13.3571 14.5624 1_.59_7 18.5225 20.5252 53 11.1566 12.0514 13.1614 14.5512 1_.2296 1_.1652 20.3414 22.8076 54 11.9430 12.9689 14.2367 15.8246 17._934 19.8274 22.4170 25.1488 55 12.7544 13.9220 15.3823 17.1943 19.2710 21.7709 24.6935 27.6736 56 13.5168 14._424 1_.5057 18.5217 20.9295 23.6873 2_.9329 30.3575 57 14.3220 15._540 17.7173 20.0695 22.7519 25.8204 29.4410 33.4114 58 15.2556 1_.9651 19.1221 21.7360 24.7409 26.19_7 32.2594 36.4098 59 1_.3778 18.2839 20._459 23.5232 2_.9072 30.8282 35.1373 39.7178 60 17.7431 19.7482 22.3151 25.4803 29.2768 33.4985 38.2985 43.3848 61 19.2574 21.36_4 24.1645 27.6422 31.6992 3_.4313 41.7432 47.44_0 62 20.9050 23.1804 2_.2213 29.8772 34.3691 39.6192 45.4859 51.8802 63 22.6179 25.1017 28.2870 32.2958 37.2635 43.0695 49.5192 56.7508 64 24.4318 27.0443 30.5174 34.9219 40.397_ 4_.7824 53.8505 61.9381 65 26.4073 29.2839 3_.0605 37.8753 43.8495 50.8254 58.5234 67.2873 66 28.9525 32.1750 3_.3221 41._059 4_.1432 55.7702 64.2294 73.5552 67 32.11_2 35.7271 40.2527 45.9__7 53.0019 61.2220 70.4370 80.4186 68 36.0680 40.1077 45.0085 51.0694 58.5022 67.2240 77.1737 87.8137 69 40.8202 45.3399 50.5886 5_.9216 64.6427 73.7734 84.4372 96.2697 70 46.3312 51.3686 5_.96_5 63.4893 71.4134 80.8750 92.2477 .0000 71 50.5868 56.0505 62.5156 69.4996 77.9283 85.3976 .0000 .0000 72 54.9542 60.5572 67.5619 75.0283 84.4674 95.9280 .0000 .0000 73 59.3826 65.4491 72.9321 81.3291 91.6694 .0000 .0000 .0000 74 64.1702 70.6560 79.0609 88.2608 99.5665 .0000 .0000 .0000 75 69.2812 76.5892 85.7949 95.8_49 .0000 .0000 .0000 .0000
Memorandum Addendum No. III to the Automatic Reinsurance Agreement effective June 1, 1984 between the Life Insurance Company of Virginia and the North American Reassurance Company. Effective June 1, 1987, reinsurance generated on the LOV PLUS II and EXCESS INTEREST WHOLE LIFE (1980 CSO) plans shall be ceded under the above referenced Reinsurance Agreement subject to the same terms and conditions of the Agreement except as provided below: 1. Plan of Reinsurance: A. Reinsurance of Life risks shall be on the risk premium basis. The risk amount on the policy reinsured shall be calculated monthly and shall be equal to the death benefit less the cash value. At the time of issue, the Ceding Company shall cede to the North American Re the portion of the initial risk amount in excess of its retention thereafter, the Ceding Company and the North American Re shall keep the same proportionate shares of the risk amount developed each month. 2. Reinsurance Administration: A. Reinsurance shall be ceded using a bordereau format in accordance with the suggested reporting details for Universal Life products as indicated in Exhibit C of the basic Agreement. 3. Reinsurance Premiums: A. Life Premiums i) Until further notice, reinsurance premiums shall be - 1 - developed as described in the Exhibit B attached to this Memorandum Addendum. The North American Re guarantees that premium rates for a given attained age, rating and duration shall not exceed the higher of the rate shown in the attached schedule (Exhibit B) for that age, rating and duration or the one year term rate on the appropriate multiple of the 1958 CSO table at 2 1/2%. ii) Reinsurance premiums are calendar month premiums payable at the end of the month in which they become due. 4. Premium Tax Reimbursement: A. The reinsurance premiums for these plans of insurance have been calculated to reflect the Ceding Company's premium tax liability. North American Re shall not make any additional reimbursement for premium taxes. 5. Percentage of Participation: A. North American Re's percentage of participation shall be equal to 20% of 100%. 6. Automatic Binding Limits: A. North American Re's share of automatic coverage shall be equal to: i) Life Issue Standard Table 5 - Ages Table 4 Table 16 ----- -------- --------- 0-70 $900,000 $600,000 71-75 $450,000 $450,000 ii) Waiver of Premium: Same as Life - 2 - IN WITNESS WHEREOF, the Ceding Company and the North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. THE LIFE INSURANCE COMPANY OF VIRGINIA By /s/ Illegible , DIRECTOR --------------------- ------------ Authorized Officer Title Attest: By /s/ Illegible , Illegible -------------------- --------- Authorized Officer Title Date: ------------------------ NORTH AMERICAN REASSURANCE COMPANY By /s/ Illegible , President ---------------------- ----------- Authorized Officer Title Attest: By /s/ Illegible , V.P. -------------------- --------- Authorized Officer Title Date: Sept. 20, 1988 - 3 - MONTHLY RENEWABLE TERM REINSURANCE PREMIUMS I. Plans: LOV PLUS II; EXCESS INTEREST WHOLE LIFE II. Monthly Reinsurance Risk Premiums: The reinsurance premiums for the above plans will be calculated according to the following formula: .08696 [Y(A+BX)], where: Y=First Year .10 Renewal Years 1.00 A=PREFERRED NONSMOKER .40 per 1,000 STANDARD NONSMOKER .35 per 1,000 PREFERRED SMOKER .45 per 1,000 STANDARD SMOKER .50 per 1,000 B=PREFERRED NONSMOKER 1.35 STANDARD NONSMOKER 1.20 PREFERRED SMOKER 1.30 STANDARD SMOKER 1.05 X=The mortality rates attached to this Exhibit B III. Maximum Amount of Reinsurance on one Life on These Reinsurance Premiums: $5,000,000. For the excess amount over $5,000,000 rate schedule NRN-5833 which is attached to the basic Agreement will apply. The nonsmoker rates in schedule NRN-5833 will be used for both preferred nonsmoker and standard nonsmokers. The smoker rates will be used for both preferred smoker and standard smokers. Monthly reinsurance premiums will be developed by multiplying the annual premiums by the monthly factor .08696. IV. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B 1987 MORTALITY ASSUMPTION PER 1000 MPNM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 -- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 0.839 15 0.693 0.830 0.954 1.055 1.124 1.162 0.834 0.792 16 0.840 0.963 1.021 1.078 1.113 0.818 0.788 0.755 17 0.966 1.023 1.048 1.072 0.801 0.770 0.743 0.716 18 0.966 1.011 1.034 0.765 0.762 0.720 0.692 0.667 19 0.924 0.979 0.725 0.715 0.701 0.659 0.635 0.611 20 0.861 0.670 0.675 0.661 0.640 0.588 0.578 0.557 21 0.554 0.610 0.632 0.624 0.605 0.567 0.579 0.572 22 0.484 0.540 0.567 0.556 0.539 0.519 0.514 0.510 23 0.430 0.475 0.503 0.494 0.487 0.465 0.463 0.460 24 0.373 0.412 0.439 0.444 0.435 0.423 0.416 0.421 25 0.332 0.364 0.396 0.400 0.405 0.393 0.395 0.405 26 0.307 0.340 0.365 0.376 0.386 0.387 0.394 0.402 27 0.299 0.321 0.348 0.364 0.380 0.392 0.401 0.414 28 0.298 0.321 0.342 0.364 0.385 0.400 0.414 0.440 29 0.307 0.325 0.348 0.375 0.400 0.419 0.447 0.470 30 0.313 0.336 0.364 0.385 0.414 0.447 0.469 0.507 31 0.316 0.348 0.370 0.400 0.434 0.464 0.500 0.543 32 0.320 0.352 0.382 0.417 0.448 0.489 0.535 0.587 33 0.313 0.352 0.392 0.429 0.474 0.520 0.575 0.629 34 0.299 0.350 0.392 0.441 0.494 0.548 0.605 0.666 35 0.301 0.356 0.411 0.472 0.530 0.591 0.653 0.724 36 0.304 0.376 0.443 0.514 0.583 0.650 0.726 0.805 37 0.321 0.402 0.482 0.565 0.644 0.721 0.805 0.893 38 0.344 0.439 0.535 0.626 0.716 0.801 0.891 0.997 39 0.375 0.489 0.594 0.697 0.794 0.889 0.993 1.115 40 0.412 0.543 0.663 0.779 0.879 0.985 1.109 1.244 41 0.450 0.599 0.740 0.863 0.977 1.100 1.230 1.375 42 0.489 0.659 0.810 0.952 1.086 1.218 1.359 1.518 43 0.528 0.714 0.886 1.048 1.196 1.340 1.491 1.663 44 0.566 0.773 0.969 1.148 1.305 1.463 1.628 1.810 45 0.611 0.841 1.055 1.255 1.427 1.599 1.778 1.980 46 0.660 0.909 1.146 1.371 1.568 1.754 1.956 2.180 47 0.709 0.989 1.252 1.504 1.733 1.946 2.165 2.417 48 0.759 1.077 1.375 1.656 1.934 2.178 2.426 2.715 49 0.814 1.175 1.511 1.838 2.158 2.445 2.741 3.068 50 0.870 1.285 1.667 2.033 2.398 2.741 3.087 3.457 51 0.930 1.407 1.837 2.244 2.655 3.053 3.446 3.842 52 0.999 1.537 2.016 2.471 2.919 3.361 3.783 4.234 53 1.072 1.672 2.207 2.699 3.185 3.640 4.108 4.599 54 1.156 1.820 2.405 2.935 3.440 3.923 4.417 4.948 55 1.249 1.985 2.625 3.182 3.723 4.219 4.730 5.301 56 1.362 2.172 2.866 3.475 4.031 4.538 5.079 5.696 57 1.499 2.389 3.161 3.811 4.375 4.912 5.496 6.154 58 1.658 2.661 3.513 4.206 4.798 5.382 6.008 6.696 59 1.856 2.978 3.916 4.666 5.315 5.949 6.610 7.322 60 2.081 3.330 4.364 5.183 5.914 6.589 7.286 8.030 61 2.339 3.709 4.844 5.753 6.557 7.278 8.020 8.839 62 2.631 4.104 5.339 6.357 7.214 8.000 8.821 9.717 63 2.959 4.562 5.890 6.988 7.885 8.742 9.632 10.623 64 3.330 5.098 6.514 7.651 8.599 9.510 10.473 11.563 65 3.743 5.668 7.178 8.346 9.360 10.345 11.392 12.633 66 4.191 6.233 7.833 9.061 10.182 11.276 12.474 13.860 67 4.690 6.750 8.420 9.792 11.078 12.362 13.733 15.378 68 5.232 7.227 8.961 10.526 12.065 13.600 15.290 17.246 69 5.825 7.709 9.494 11.284 13.116 15.040 17.125 19.506 70 6.466 8.173 10.026 12.033 14.253 16.632 19.243 22.134 71 7.104 8.988 11.012 13.212 15.615 18.214 21.072 24.231 72 7.809 9.871 12.090 14.478 17.106 19.950 23.074 26.519 73 8.564 10.824 13.232 15.838 18.709 21.814 25.214 28.984 74 9.241 11.655 14.238 17.040 20.126 23.456 27.115 31.164 75 9.771 12.316 15.048 18.005 21.254 24.771 28.633 32.891 76 10.210 12.868 15.718 18.799 22.192 25.862 29.877 34.310 77 10.658 13.429 16.397 19.612 23.148 26.961 31.138 35.745 78 11.350 14.295 17.455 20.875 24.624 28.673 33.104 37.989 79 12.368 15.578 19.019 22.732 26.808 31.205 36.015 41.310 80 13.419 16.899 20.620 24.638 29.046 33.798 38.990 44.709 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE -- ------ ------ ------ ------ ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.01l 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.011 21 7 0.683 0.838 0.996 1.139 1.254 1.306 0.990 0.973 22 8 0.842 0.998 1.138 1.250 1.299 0.973 0.954 0.946 23 9 1.001 1.139 1.248 1.294 0.959 0.939 0.929 0.926 24 10 1.139 1.246 1.291 0.946 0.925 0.915 0.911 0.893 25 11 1.223 1.262 0.914 0.890 0.877 0.871 0.851 0.839 26 12 1.231 0.879 0.854 0.838 0.829 0.807 0.794 0.768 27 13 0.856 0.819 0.801 0.789 0.765 0.748 0.721 0.727 28 14 0.801 0.773 0.759 0.733 0.715 0.687 0.690 0.689 29 15 0.761 0.730 0.709 0.688 0.658 0.660 0.656 0.648 30 16 0.723 0.693 0.664 0.640 0.640 0.635 0.626 0.620 31 17 0.685 0.655 0.629 0.629 0.624 0.614 0.607 0.587 32 18 0.643 0.622 0.587 0.593 0.589 0.588 0.577 0.547 33 19 0.597 0.574 0.549 0.558 0.562 0.566 0.546 0.527 34 20 0.543 0.535 0.508 0.524 0.529 0.529 0.522 0.512 35 21 0.579 0.583 0.562 0.562 0.550 0.539 0.534 0.505 36 22 0.517 0.531 0.525 0.515 0.516 0.521 0.515 0.505 37 23 0.470 0.490 0.487 0.486 0.503 0.509 0.514 0.534 38 24 0.437 0.452 0.465 0.472 0.490 0.512 0.539 0.570 39 25 0.417 0.436 0.460 0.473 0.505 0.547 0.581 0.620 40 26 0.418 0.446 0.468 0.498 0.542 0.594 0.639 0.682 41 27 0.439 0.464 0.495 0.540 0.593 0.652 0.705 0.751 42 28 0.462 0.497 0.537 0.588 0.645 0.712 0.772 0.836 43 29 0.503 0.553 0.599 0.649 0.711 0.781 0.854 0.928 44 30 0.553 0.609 0.659 0.715 0.780 0.862 0.941 1.038 45 31 0.602 0.660 0.716 0.780 0.858 0.947 1.043 1.163 46 32 0.649 0.714 0.779 0.858 0.943 1.049 1.168 1.309 47 33 0.695 0.770 0.849 0.935 1.044 1.176 1.316 1.469 48 34 0.736 0.816 0.907 l.015 1.154 1.312 1.468 1.659 49 35 0.805 0.886 0.996 1.128 1.289 1.465 1.646 1.873 50 36 0.888 0.984 1.114 1.263 1.441 1.642 1.850 2.094 51 37 0.991 1.103 1.246 1.407 1.604 1.832 2.069 2.326 52 38 1.110 1.235 1.384 1.562 1.777 2.032 2.316 2.600 53 39 1.244 1.374 1.538 1.729 1.964 2.257 2.596 2.916 54 40 1.383 1.532 1.706 1.912 2.178 2.512 2.910 3.307 55 41 1.533 1.698 1.890 2.126 2.426 2.805 3.271 3.769 56 42 1.692 1.877 2.102 2.377 2.715 3.148 3.679 4.291 57 43 1.848 2.074 2.340 2.662 3.056 3.540 4.137 4.814 58 44 2.015 2.286 2.605 2.989 3.443 3.988 4.608 5.397 59 45 2.204 2.523 2.908 3.355 3.879 4.456 5.158 6.005 60 46 2.432 2.797 3.241 3.757 4.330 4.995 5.765 6.663 61 47 2.727 3.117 3.616 4.173 4.840 5.587 6.437 7.401 62 48 3.077 3.487 4.006 4.642 5.388 6.226 7.187 8.260 63 49 3.467 3.881 4.456 5.149 5.975 6.927 8.020 9.241 64 50 3.859 4.323 4.935 5.689 6.610 7.688 8.937 10.315 65 51 4.283 4.787 5.458 6.305 7.351 8.604 10.051 11.663 66 52 4.711 5.261 6.031 7.007 8.229 9.692 11.402 13.322 67 53 5.131 5.739 6.620 7.735 9.110 10.760 12.717 15.042 68 54 5.550 6.235 7.262 8.558 10.134 12.028 14.393 17.084 69 55 5.988 6.760 7.931 9.403 11.178 13.383 16.078 19.080 70 56 6.450 7.318 8.654 10.326 12.395 14.892 17.969 21.469 71 57 6.940 7.929 9.424 11.341 13.650 16.441 19.872 23.907 72 58 7.498 8.607 10.309 12.443 15.033 18.163 22.030 26.340 73 59 8.166 9.402 11.304 13.705 16.660 20.282 24.543 29.449 74 60 8.967 10.288 12.374 15.019 18.340 22.283 27.047 32.448 75 61 9.859 11.274 13.590 16.565 20.222 24.732 30.078 36.267 76 62 10.840 12.373 14.920 18.103 22.167 27.130 33.050 39.983 77 63 11.865 13.556 16.314 19.881 24.417 30.017 36.689 44.671 78 64 12.967 14.767 17.839 21.790 26.882 33.176 40.666 49.769 79 65 14.170 16.166 19.543 23.947 29.626 36.661 45.024 55.186 80 66 15.622 17.804 21.551 26.438 32.724 40.501 49.800 60.839 81 67 17.384 19.812 23.969 29.349 36.231 44.765 55.031 67.040 82 68 19.580 22.285 26.891 32.751 40.222 49.483 60.721 73.762 83 69 22.222 25.236 30.316 36.670 44.694 54.638 66.888 81.449 84 70 25.286 28.631 34.245 41.081 49.626 60.251 73.546 89.994 85 71 27.670 31.335 37.565 45.138 54.623 66.417 81.186 99.462 86 72 30.289 34.292 41.285 49.819 60.508 73.824 90.508 111.185 87 73 33.096 37.448 45.298 54.878 66.895 81.866 100.665 124.774 88 74 35.565 40.234 48.763 59.182 72.256 88.556 109.650 136.123 89 75 37.527 42.435 51.539 62.661 76.616 94.528 117.243 145.811 90 76 39.130 44.234 53.700 65.264 80.156 98.903 122.716 152.647 91 77 40.753 46.048 55.884 68.185 83.751 103.379 128.295 159.617 92 78 43.291 48.900 59.548 72.662 89.285 110.232 136.825 169.827 93 79 47.061 53.313 64.927 79.257 97.408 120.283 148.146 182.794 94 80 51.055 57.843 70.471 86.041 105.766 129.659 159.693 197.022 95
1987 MORTALITY ASSUMPTION PER 1000 MNSM
X [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 -- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.213 15 0.693 0.830 0.954 1.055 1.124 1.162 1.204 1.144 16 0.840 0.963 1.021 1.078 1.113 1.181 1.138 1.091 17 0.966 1.023 1.048 1.072 1.157 1.112 1.073 1.034 18 0.966 1.011 1.034 1.105 1.100 1.039 0.999 0.963 19 0.924 0.979 1.047 1.033 1.013 0.952 0.917 0.882 20 0.861 0.967 0.975 0.955 0.924 0.850 0.835 0.805 21 0.800 0.881 0.913 0.902 0.874 0.819 0.836 0.826 22 0.699 0.780 0.819 0.803 0.779 0.749 0.742 0.737 23 0.621 0.686 0.727 0.713 0.703 0.672 0.669 0.664 24 0.538 0.595 0.633 0.641 0.629 0.612 0.601 0.609 25 0.480 0.525 0.572 0.578 0.585 0.568 0.570 0.585 26 0.444 0.490 0.528 0.543 0.557 0.559 0.569 0.581 27 0.432 0.464 0.503 0.525 0.549 0.566 0.579 0.598 28 0.431 0.463 0.494 0.525 0.556 0.577 0.597 0.635 29 0.444 0.469 0.502 0.541 0.577 0.605 0.645 0.680 30 0.452 0.485 0.525 0.557 0.598 0.646 0.677 0.732 31 0.456 0.502 0.535 0.578 0.627 0.671 0.722 0.784 32 0.462 0.508 0.552 0.602 0.648 0.706 0.773 0.847 33 0.452 0.509 0.566 0.619 0.684 0.751 0.830 0.909 34 0.432 0.506 0.566 0.637 0.713 0.791 0.873 0.962 35 0.435 0.515 0.594 0.682 0.766 0.854 0.944 1.046 36 0.438 0.544 0.640 0.742 0.843 0.939 1.049 1.163 37 0.464 0.580 0.697 0.816 0.930 1.042 1.163 1.290 38 0.497 0.634 0.772 0.905 1.034 1.158 1.287 1.440 39 0.541 0.706 0.858 1.007 1.147 1.284 1.434 1.610 40 0.595 0.784 0.957 1.126 1.270 1.423 1.602 1.797 41 0.650 0.865 1.068 1.246 1.412 1.588 1.777 1.986 42 0.706 0.952 1.170 1.374 1.569 1.760 1.964 2.192 43 0.763 1.031 1.280 1.513 1.727 1.935 2.154 2.402 44 0.818 1.116 1.399 1.658 1.885 2.114 2.352 2.615 45 0.883 1.214 1.524 1.813 2.061 2.310 2.568 2.860 46 0.953 1.313 1.655 1.981 2.265 2.534 2.826 3.149 47 1.025 1.428 1.809 2.172 2.503 2.811 3.128 3.491 48 1.097 1.556 1.986 2.392 2.794 3.146 3.504 3.921 49 1.176 1.697 2.182 2.654 3.117 3.531 3.959 4.431 50 1.256 1.856 2.408 2.937 3.463 3.960 4.459 4.993 51 1.343 2.033 2.653 3.241 3.836 4.410 4.977 5.550 52 1.444 2.221 2.912 3.569 4.216 4.855 5.464 6.116 53 1.549 2.416 3.188 3.898 4.600 5.257 5.934 6.644 54 1.670 2.629 3.473 4.239 4.969 5.666 6.380 7.148 55 1.804 2.867 3.792 4.596 5.377 6.094 6.833 7.656 56 1.967 3.137 4.140 5.019 5.823 6.554 7.337 8.227 57 2.165 3.450 4.566 5.505 6.319 7.096 7.939 8.889 58 2.396 3.844 5.074 6.076 .6.930 7.774 8.678 9.672 59 2.681 4.302 5.657 6.740 7.677 8.593 9.547 10.576 60 3.005 4.811 6.304 7.487 8.542 9.517 10.524 11.599 61 3.379 5.358 6.996 8.310 9.471 10.513 11.585 12.767 62 3.800 5.928 7.712 9.182 10.421 11.555 12.742 14.035 63 4.274 6.589 8.508 10.094 11.390 12.627 13.913 15.345 64 4.811 7.364 9.409 11.051 12.420 13.737 15.128 16.702 65 5.406 8.187 10.368 12.056 13.520 14.942 16.455 18.248 66 6.053 9.004 11.315 13.089 14.708 16.287 18.018 20.021 67 6.774 9.750 12.162 14.145 16.001 17.857 19.836 22.212 68 7.558 10.439 12.943 15.205 17.427 19.644 22.086 24.910 69 8.414 11.135 13.714 16.299 18.945 21.725 24.737 28.175 70 9.340 11.805 14.482 17.381 20.588 24.024 27.796 31.971 71 10.262 12.982 15.906 19.083 22.555 26.310 30.438 35.000 72 11.279 14.258 17.463 20.912 24.708 28.817 33.330 38.306 73 12.370 15.635 19.113 22.876 27.024 31.509 36.420 41.866 74 13.348 16.835 20.566 24.613 29.071 33.881 39.167 45.015 75 14.114 17.790 21.735 26.008 30.701 35.781 41.359 47.510 76 14.748 18.587 22.704 27.154 32.055 37.357 43.156 49.559 77 15.395 19.397 23.684 28.329 33.436 38.944 44.978 51.632 78 16.394 20.649 25.213 30.153 35.568 41.417 47.817 54.873 79 17.865 22.502 27.472 32.835 38.722 45.074 52.021 59.671 80 19.383 24.410 29.784 35.589 41.955 48.820 56.319 64.579 X [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE -- ------ ------ ------ ------- ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 O.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.01l 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.224 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.235 1.178 22 8 0.842 0.998 1.138 1.250 1.299 1.251 1.191 1.145 23 9 1.001 1.139 1.248 1.294 1.270 1.207 1.159 1.122 24 10 1.139 1.246 1.291 1.291 1.225 1.176 1.137 1.081 25 11 1.223 1.262 1.282 1.214 1.162 1.120 1.062 1.016 26 12 1.231 1.270 1.198 1.143 1.098 1.038 0.990 0.930 27 13 1.236 1.183 1.124 1.076 1.013 0.962 0.900 0.880 28 14 1.157 1.116 1.065 0.999 0.946 0.883 0.861 0.834 29 15 1.099 1.055 0.995 0.939 0.872 0.848 0.819 0.785 30 16 1.044 1.001 0.933 0.872 0.847 0.817 0.781 0.750 31 17 0.989 0.946 0.883 0.857 0.826 0.789 0.758 0.711 32 18 0.928 0.898 0.823 0.809 0.781 0.756 0.720 0.662 33 19 0.862 0.829 0.770 0.761 0.745 0.728 0.682 0.638 34 20 0.784 0.773 0.713 0.715 0.701 0.680 0.651 0.620 35 21 0.837 0.843 0.789 0.767 0.729 0.693 0.666 0.611 36 22 0.747 0.767 0.737 0.703 0.683 0.669 0.643 0.612 37 23 0.678 0.707 0.683 0.662 0.666 0.655 0.641 0.647 38 24 0.631 0.652 0.653 0.643 0.649 0.658 0.673 0.690 39 25 0.602 0.629 0.646 0.645 0.669 0.703 0.725 0.750 40 26 0.604 0.644 0.656 0.679 0.718 0.764 0.797 0.825 41 27 0.634 0.670 0.695 0.736 0.785 0.838 0.879 0.909 42 28 0.668 0.718 0.754 0.802 0.854 0.916 0.964 1.012 43 29 0.727 0.799 0.841 0.886 0.942 1.004 1.066 1.123 44 30 0.799 O.880 0.925 0.975 1.034 1.108 1.174 1.256 45 31 0.869 0.953 1.006 1.064 1.136 1.217 1.302 1.408 46 32 0.936 1.032 1.093 1.169 1.248 1.349 1.458 1.585 47 33 1.004 1.112 1.192 1.275 1.382 1.512 1.642 1.778 48 34 1.063 1.179 1.273 1.384 1.528 1.687 1.831 2.008 49 35 1.162 1.280 1.398 1.539 1.707 1.883 2.054 2.267 50 36 1.283 1.422 1.564 1.723 1.908 2.112 2.308 2.535 51 37 1.431 1.593 1.750 1.918 2.124 2.356 2.582 2.816 52 38 1.604 1.784 1.943 2.130 2.353 2.612 2.889 3.148 53 39 1.798 1.985 2.158 2.358 2.601 2.902 3.240 3.530 54 40 1.997 2.212 2.394 2.607 2.885 3.230 3.631 4.003 55 41 2.214 2.452 2.652 2.899 3.212 3.607 4.082 4.562 56 42 2.444 2.711 2.951 3.241 3.595 4.047 4.591 5.194 57 43 2.669 2.996 3.285 3.630 4.047 4.551 5.162 5.828 58 44 2.910 3.302 3.657 4.076 4.560 5.127 5.750 6.533 59 45 3.183 3.645 4.081 4.575 5.137 5.729 6.436 7.270 60 46 3.513 4.040 4.549 5.123 5.734 6.422 7.194 8.066 61 47 3.939 4.503 5.075 5.690 6.409 7.184 8.032 8.959 62 48 4.445 5.036 5.623 6.330 7.136 8.005 8.968 9.999 63 49 5.008 5.605 6.255 7.021 7.912 8.906 10.008 11.187 64 50 5.573 6.244 6.928 7.757 8.754 9.884 11.151 12.486 65 51 6.187 6.915 7.661 8.597 9.736 11.063 12.541 14.118 66 52 6.804 7.600 8.465 9.556 10.898 12.462 14.227 16.127 67 53 7.412 8.290 9.292 10.547 12.065 13.834 15.868 18.209 68 54 8.016 9.006 10.194 11.670 13.420 15.464 17.960 20.681 69 55 8.650 9.764 11.133 12.823 14.803 17.207 20.062 23.097 70 56 9.317 10.571 12.148 14.081 16.415 19.147 22.422 25.989 71 57 10.024 11.453 13.228 15.465 18.077 21.138 24.796 28.940 72 58 10.831 12.433 14.470 16.968 19.908 23.353 27.489 31.886 73 59 11.795 13.581 15.867 18.689 22.063 26.077 30.624 35.649 74 60 12.952 14.860 17.369 20.480 24.289 28.650 33.749 39.279 75 61 14.241 16.285 19.076 22.589 26.780 31.798 37.531 43.902 76 62 15.657 17.872 20.943 24.686 29.357 34.881 41.239 48.400 77 63 17.138 19.581 22.900 27.111 32.335 38.593 45.780 54.076 78 64 18.730 21.330 25.041 29.714 35.601 42.655 50.743 60.247 79 65 20.468 28.351 27.431 32.655 39.235 47.135 56.180 66.804 80 66 22.565 25.718 30.250 36.051 43.337 52.073 62.140 73.647 81 67 25.110 23.617 33.645 40.021 47.982 57.555 68.667 81.154 82 68 28.283 32.189 37.746 44.661 53.267 63.621 75.767 89.290 83 69 32.098 36.452 42.554 50.004 59.189 70.249 83.462 98.596 84 70 36.524 41.356 48.068 56.020 65.721 77.465 91.770 108.940 85 71 39.967 45.262 52.729 61.552 72.339 85.394 101.303 120.401 86 72 43.750 49.532 57.951 67.935 80.133 94.917 112.935 134.593 87 73 47.806 54.092 63.583 74.833 88.591 105.256 125.608 151.042 88 74 51.371 58.116 68.447 80.703 95.690 113.857 136.820 164.781 89 75 54.206 61.295 72.344 85.447 101.465 121.536 146.294 176.507 90 76 56.521 63.893 75.377 88.996 106.153 127.161 153.124 184.783 91 77 58.865 66.514 78.442 92.979 110.914 132.916 160.085 193.221 92 78 62.532 70.634 83.586 99.084 118.243 141.727 170.729 204.369 93 79 67.977 77.008 91.136 108.078 128.999 154.650 184.854 221.277 94 80 73.746 83.550 98.918 117.329 140.069 166.704 199.263 238.501 95
1987 MORTALITY ASSUMPTION PER 1000 MPSM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 -- ------ ------- ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 0.298 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 0.282 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 0.283 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 0.292 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 0.322 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 0.416 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 0.523 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 0.683 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 0.842 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 1.001 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 1.139 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 1.223 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 1.231 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 1.243 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.220 1.181 15 0.693 0.830 0.954 1.055 1.124 1.162 1.211 1.168 1.139 16 0.840 0.963 1.021 1.078 1.113 1.188 1.162 1.130 1.099 17 0.966 1.023 1.048 1.072 1.164 1.136 1.112 1.088 1.063 18 0.966 1.011 1.034 1.112 1.124 1.077 1.052 1.035 1.016 19 0.924 0.979 1.053 1.055 1.049 1.003 0.986 0.966 0.966 20 0.861 0.973 0.996 0.990 0.973 0.914 0.914 0.903 0.902 21 0.805 0.900 0.946 0.949 0.940 0.896 0.937 0.950 0.99l 22 0.714 0.808 0.862 0.864 0.853 0.840 0.854 0.874 0.926 23 0.643 0.722 0.781 0.781 0.788 0.773 0.793 0.824 0.867 24 0.567 0.640 0.694 0.718 0.723 0.725 0.746 0.778 0.823 25 0.516 0.575 0.641 0.665 0.693 0.705 0.728 0.764 0.807 26 0.486 0.550 0.607 0.644 0.691 0.715 0.742 0.778 0.827 27 0.485 0.534 0.596 0.651 0.701 0.738 0.776 0.818 0.873 28 0.495 0.549 0.612 0.671 0.726 0.773 0.818 0.875 0.938 29 0.526 0.582 0.642 0.706 0.773 0.828 0.888 0.955 1.030 30 0.560 0.621 0.685 0.746 0.820 0.890 0.952 1.038 1.151 31 0.583 0.656 0.717 0.792 0.863 0.943 1.023 1.129 1.264 32 0.602 0.680 0.756 0.829 0.910 1.000 1.113 1.233 1.382 33 0.605 0.697 0.779 0.870 0.970 1.081 1.208 1.342 1.500 34 0.592 0.697 0.796 0.903 1.027 1.151 1.289 1.437 1.601 35 0.599 0.724 0.842 0.982 1.115 1.261 1.410 1.575 1.764 36 0.616 0.771 0.922 1.080 1.244 1.404 1.580 1.764 1.967 37 0.658 0.836 1.014 1.204 1.389 1.570 1.764 1.977 2.206 38 0.716 0.922 1.140 1.352 1.558 1.757 1.973 2.219 2.461 39 0.788 1.042 1.282 1.517 1.741 1.968 2.211 2.470 2.747 40 0.878 1.172 1.442 1.708 l.948 2.194 2.458 2.746 3.040 41 0.970 1.303 1.621 1.910 2.176 2.437 2.715 3.022 3.357 42 1.064 1.445 1.795 2.119 2.407 2.690 2.989 3.324 3.684 43 1.158 1.580 1.974 2.321 2.640 2.946 3.266 3.619 3.991 44 1.254 1.720 2.147 2.534 2.870 3.205 3.544 3.910 4.293 45 1.361 1.863 2.329 2.759 3.125 3.481 3.840 4.218 4.642 46 1.463 2.006 2.519 3.003 3.413 3.789 4.169 4.593 5.057 47 1.566 2.174 2.743 3.273 3.743 4.146 4.562 5.025 5.576 48 1.669 2.359 2.993 3.577 4.121 4.588 5.043 5.550 6.181 49 1.783 2.557 3.262 3.916 4.546 5.083 5.603 6.162 6.836 50 1.893 2.775 3.552 4.283 4.985 5.604 6.200 6.816 7.480 51 2.008 2.998 3.869 4.666 5.429 6.132 6.794 7.449 8.107 52 2.130 3.238 4.193 5.052 5.863 6.628 7.334 8.014 8.713 53 2.259 3.478 4.512 5.421 6.279 7.056 7.776 8.507 9.302 54 2.403 3.721 4.830 5.787 6.669 7.425 8.169 8.970 9.862 55 2.554 3.987 5.176 6.168 7.046 7.804 8.575 9.419 10.431 56 2.735 4.282 5.557 6.577 7.456 8.226 9.026 9.922 11.003 57 2.955 4.631 5.983 7.050 7.931 8.730 9.575 10.498 11.596 58 3.215 5.037 6.497 7.625 8.526 9.376 10.249 11.188 12.265 59 3.513 5.509 7.099 8.292 9.258 10.149 11.044 11.976 13.068 60 3.848 6.037 7.756 9.029 10.089 11.009 11.917 12.851 14.027 61 4.240 6.592 8.438 9.014 10.955 11.904 12.835 13.826 15.073 62 4.676 7.149 9.108 10.621 11.800 12.802 13.798 14.855 16.187 63 5.155 7.782 9.841 11.430 12.619 13.675 14.725 15.864 17.295 64 5.682 8.519 10.654 12.244 13.451 14.539 15.639 16.855 18.440 65 6.253 9.270 11.487 13.056 14.309 15.448 16.606 17.966 19.650 66 6.854 9.975 12.254 13.853 15.205 16.437 17.740 19.221 21.107 67 7.505 10.559 12.872 14.623 16.148 17.581 19.044 20.777 23.026 68 8.184 11.048 13.381 15.345 17.158 18.859 20.659 22.842 25.409 69 8.905 11.511 13.840 16.047 18.188 20.322 22.683 25.313 28.245 70 9.655 11.914 14.258 16.687 19.258 22.029 24.972 28.133 31.465 71 10.356 12.782 15.270 17.851 20.682 23.637 26.784 30.152 33.694 72 11.105 13.688 16.335 19.176 22.198 25.358 28.713 32.293 36.078 73 11.876 14.625 17.526 20.552 23.781 27.144 30.703 34.524 38.535 74 12.486 15.437 18.477 21.659 25.044 28.562 32.298 36.286 40.465 75 12.942 15.983 19.126 22.405 25.882 29.506 33.339 37.423 41.699 76 13.249 16.356 19.559 22.892 26.433 30.113 33.994 38.124 42.432 77 13.547 16.711 19.967 23.361 26.952 30.676 34.600 38.762 43.106 78 14.123 17.408 20.792 24.305 28.016 31.860 35.898 40.182 44.638 79 15.061 18.556 22.145 25.864 29.787 33.838 38.094 42.595 47.273 80 15.984 19.676 23.460 27.377 31.497 35.750 40.203 44.910 50.376 x [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE -- ------ ------ ------ ------- ------- ------- -------- 0 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.684 0.841 1.002 1.148 1.266 1.321 1.566 21 7 0.838 0.996 1.139 1.254 1.306 1.517 1.530 22 8 0.998 1.138 1.250 1.299 1.477 1.486 1.509 23 9 1.139 1.248 1.294 1.441 1.447 1.468 1.502 24 10 1.246 1.291 1.406 1.412 1.431 1.463 1.478 25 11 1.262 1.343 1.343 1.357 1.384 1.394 1.414 26 12 1.278 1.274 1.283 1.304 1.310 1.324 1.326 27 13 1.209 1.213 1.227 1.228 1.236 1.233 1.287 28 14 1.157 1.167 1.164 1.168 1.162 1.210 1.256 29 15 1.111 1.114 1.113 1.102 1.145 1.185 1.237 30 16 1.076 1.063 1.059 1.099 1.135 1.183 1.220 31 17 1.036 1.031 1.069 1.103 1.149 1.183 1.179 32 18 1.007 0.986 1.038 1.092 1.133 1.148 1.128 33 19 0.954 0.950 1.022 1.073 1.115 1.115 1.111 34 20 0.915 0.921 0.990 1.032 1.069 1.090 1.085 35 21 1.045 1.050 1.084 1.101 1.114 1.120 1.093 36 22 0.980 1.001 1.020 1.054 1.081 1.104 1.103 37 23 0.923 0.953 0.982 1.033 1.080 1.110 1.185 38 24 0.874 0.930 0.960 1.029 1.095 1.184 1.278 39 25 0.862 0.925 0.982 1.069 1.189 1.289 1.408 40 26 0.887 0.960 1.043 1.166 1.305 1.438 1.568 41 27 0.942 1.026 1.149 1.289 1.451 1.605 1.742 42 28 1.017 1.131 1.264 1.421 1.606 1.774 1.953 43 29 1.151 1.274 1.416 1.587 1.776 1.976 2.189 44 30 1.280 1.421 1.578 1.756 1.973 2.198 2.463 45 31 1.407 1.564 1.737 1.944 2.190 2.451 2.747 46 32 1.541 1.714 1.922 2.158 2.440 2.732 3.080 47 33 1.675 1.882 2.118 2.403 2.723 3.066 3.442 48 34 1.789 2.032 2.311 2.644 3.025 3.405 3.872 49 35 1.963 2.244 2.557 2.942 3.364 3.805 4.345 50 36 2.192 2.497 2.852 3.274 3.758 4.249 4.820 51 37 2.444 2.783 3.163 3.632 4.166 4.717 5.283 52 38 2.727 3.079 3.498 3.998 4.584 5.207 5.838 53 39 3.021 3.406 3.849 4.386 5.024 5.772 6.463 54 40 3.354 3.755 4.223 4.798 5.528 6.386 7.205 55 41 3.696 4.128 4.633 5.283 6.093 7.057 8.068 56 42 4.053 4.531 5.121 5.835 6.722 7.798 9.016 57 43 4.420 4.986 5.661 6.458 7.427 8.608 9.947 58 44 4.815 5.479 6.250 7.149 8.214 9.428 10.887 59 45 5.247 6.013 6.891 7.906 9.024 10.302 11.839 60 46 5.719 6.583 7.576 8.677 9.875 11.253 12.874 61 47 6.261 7.211 8.273 9.470 10.796 12.315 14.017 62 48 6.875 7.855 8.986 10.303 11.791 13.478 15.336 63 49 7.523 8.531 9.739 11.196 12.860 14.744 16.803 64 50 8.182 9.234 10.546 12.143 13.990 16.089 18.368 65 51 8.855 10.008 11.459 13.239 15.334 17.723 20.331 66 52 9.538 10.840 12.485 14.513 16.918 19.680 22.722 67 53 10.199 11.664 13.495 15.737 18.384 21.477 25.078 68 54 10.862 12.531 14.624 17.134 20.107 23.760 27.836 69 55 11.532 13.404 15.730 18.493 21.869 25.939 30.367 70 56 12.228 14.318 16.900 20.044 23.783 28.317 33.355 71 57 12.969 15.253 18.143 21.573 25.647 30.570 34.235 72 58 13.774 16.311 19.455 23.207 27.659 33.062 38.930 73 59 14.708 17.479 20.931 25.106 30.132 35.917 42.407 74 60 15.728 18.690 22.391 26.963 32.280 38.565 45.806 75 61 16.836 20.037 24.094 28.989 34.908 42.043 50.160 76 62 18.036 21.461 25.674 30.963 37.539 45.261 54.164 77 63 19.278 22.883 27.473 33.433 40.692 49.213 59.245 78 64 20.477 24.380 29.518 36.064 44.051 53.403 64.592 79 65 21.843 26.182 31.782 38.929 47.656 57.858 70.059 80 66 23.583 28.287 34.368 42.096 51.520 62.600 75.497 81 67 25.710 30.816 37.350 45.610 55.702 67.619 81.295 82 68 28.326 33.846 40.788 49.528 60.187 72.908 87.353 83 69 31.403 37.340 44.672 53.797 64.941 78.434 94.133 84 70 34.864 41.258 48.919 58.371 69.937 84.164 101.453 85 71 37.325 44.240 52.524 62.745 75.238 90.624 109.302 86 72 39.927 47.512 56.615 67.832 81.573 98.484 119.033 87 73 42.608 50.910 60.862 73.149 88.180 106.711 131.214 88 74 44.707 53.485 64.023 77.020 92.926 114.176 140.564 89 75 46.016 55.140 66.078 79.561 97.435 119.877 147.801 90 76 46.788 56.005 67.047 81.762 100.103 123.169 151.840 91 77 47.480 56.779 68.807 83.886 102.712 126.362 155.768 92 78 49.120 59.430 72.001 87.786 107.473 132.212 163.147 93 79 52.604 63.628 77.093 93.983 115.053 141.754 174.907 94 80 56.043 67.793 82.128 100.116 122.811 151.300 186.653 95
1987 MORTALITY ASSUMPTION PER 1000 MSKM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 -- ------ ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 0.298 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 0.282 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 0.283 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 0.292 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 0.322 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 0.416 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 0.523 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 0.683 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 0.842 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 1.001 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 1.139 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 1.223 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 1.231 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 1.927 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.891 1.831 15 0.693 0.830 0.954 1.055 1.124 1.162 1.878 1.811 1.766 16 0.840 0.963 1.021 1.078 1.113 1.841 1.802 1.752 1.703 17 0.966 1.023 1.048 1.072 1.803 1.760 1.723 1.687 1.648 18 0.966 1.011 1.034 1.723 1.742 1.670 1.631 1.605 1.575 19 0.924 0.979 1.633 1.635 1.627 1.554 1.528 1.498 1.497 20 0.861 1.508 1.544 1.534 1.508 1.416 1.416 1.399 1.398 21 1.247 1.396 1.467 1.471 1.457 1.389 1.453 1.473 1.536 22 1.107 1.253 1.336 1.338 1.322 1.302 1.323 1.354 1.436 23 0.997 1.120 1.211 1.210 1.222 1.198 1.229 1.277 1.344 24 0.879 0.992 1.075 1.113 1.121 1.123 1.156 1.206 1.276 25 0.799 0.892 0.994 1.030 1.073 1.093 1.129 1.184 1.251 26 0.753 0.852 0.941 0.998 1.071 1.108 1.150 1.206 1.281 27 0.752 0.828 0.924 1.010 1.087 1.144 1.203 1.268 1.353 28 0.768 0.850 0.949 1.041 1.125 1.199 1.268 1.356 1.455 29 0.815 0.902 0.995 1.094 1.198 1.284 1.376 1.481 1.597 30 0.868 0.962 1.062 1.156 1.270 1.379 1.475 1.608 1.784 31 0.904 1.016 1.111 1.227 1.338 1.461 1.586 1.749 1.960 32 0.934 1.054 1.172 1.285 1.411 1.550 1.725 1.911 2.142 33 0.938 1.080 1.208 1.349 1.503 1.676 1.873 2.080 2.326 34 0.917 1.080 1.233 1.400 1.592 1.785 1.998 2.228 2.482 35 0.929 1.122 1.306 1.522 1.728 1.954 2.185 2.442 2.733 36 0.955 1.194 1.428 1.674 1.928 2.175 2.449 2.735 3.049 37 1.020 1.296 1.571 1.866 2.153 2.433 2.735 3.065 3.419 38 1.110 1.429 1.766 2.095 2.415 2.723 3.058 3.440 3.814 39 1.221 1.615 1.988 2.351 2.698 3.051 3.427 3.829 4.258 40 1.361 1.816 2.236 2.648 3.019 3.401 3.810 4.256 4.712 41 1.504 2.020 2.513 2.961 3.373 3.777 4.208 4.685 5.204 42 1.649 2.239 2.782 3.284 3.730 4.169 4.633 5.152 5.709 43 1.795 2.449 3.060 3.598 4.092 4.566 5.062 5.610 6.186 44 1.943 2.667 3.328 3.927 4.448 4.967 5.494 6.061 6.655 45 2.109 2.887 3.611 4.277 4.844 5.395 5.953 6.538 7.196 46 2.267 3.110 3.904 4.655 5.291 5.873 6.461 7.118 7.838 47 2.427 3.369 4.251 5.073 5.801 6.426 7.070 7.789 8.642 48 2.588 3.657 4.639 5.544 6.387 7.112 7.817 8.603 9.581 49 2.763 3.963 5.057 6.069 7.046 7.879 8.685 9.551 10.596 50 2.934 4.301 5.506 6.639 7.727 8.687 9.610 10.565 11.595 51 3.113 4.647 5.997 7.232 8.415 9.505 10.531 11.546 12.566 52 3.301 5.020 6.498 7.831 9.087 10.273 11.367 12.421 13.505 53 3.501 5.390 6.994 8.402 9.732 10.936 12.053 13.187 14.418 54 3.725 5.768 7.486 8.969 10.337 11.508 12.663 13.904 15.286 55 3.958 6.180 8.022 9.561 10.921 12.096 13.292 14.600 16.169 56 4.239 6.637 8.613 10.194 11.557 12.750 13.991 15.379 17.055 57 4.580 7.178 9.273 10.927 12.293 13.531 14.841 16.273 17.973 58 4.983 7.807 10.071 11.819 13.216 14.533 15.985 17.341 19.010 59 5.446 8.538 11.004 12.853 14.350 15.731 17.118 18.563 20.255 60 5.965 9.358 12.022 13.995 15.638 17.063 18.471 19.919 21.741 61 6.573 10.217 13.079 15.212 16.981 18.451 19.894 21.430 23.362 62 7.247 11.081 14.118 16.463 18.290 19.843 21.388 23.025 25.089 63 7.990 12.062 15.254 17.717 19.560 21.116 22.824 24.589 26.808 64 8.806 13.204 16.514 18.978 20.848 22.536 24.241 26.126 28.583 65 9.693 14.368 17.805 20.237 22.180 23.944 25.739 27.847 30.458 66 10.624 15.462 18.993 21.471 23.569 25.477 27.497 29.792 32.716 67 11.633 16.366 19.952 22.666 25.030 27.250 29.518 32.204 35.690 68 12.686 17.125 20.741 23.784 26.595 29.232 32.021 35.406 39.385 69 13.803 17.843 21.452 24.873 28.191 31.498 35.159 39.235 43.780 70 14.966 18.467 22.100 25.864 29.850 34.146 38.706 43.607 48.770 71 16.052 19.811 23.669 27.668 32.058 36.637 41.516 46.735 52.225 72 17.212 21.216 25.320 29.723 34.407 39.305 44.505 50.054 55.921 73 18.408 22.668 27.166 31.856 36.860 42.074 47.590 53.512 59.729 74 19.353 23.928 28.639 33.571 38.818 44.272 50.062 56.243 62.720 75 20.060 24.774 29.646 34.728 40.117 45.734 51.675 58.006 64.633 76 20.537 25.352 30.316 35.483 40.972 46.674 52.690 59.092 65.770 77 20.998 25.901 30.948 36.209 41.775 47.547 53.629 60.081 66.815 78 21.891 26.982 32.227 37.674 43.426 49.384 55.642 62.283 69.188 79 23.344 28.762 34.324 40.089 46.171 52.450 59.046 66.022 73.273 80 24.774 30.498 36.364 42.435 48.820 55.412 62.314 69.611 78.083 x [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE -- ------ ------- ------- ------- ------- ------- -------- 0 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.684 0.841 1.002 1.148 1.266 1.321 1.949 21 7 0.838 0.996 1.139 1.254 1.306 1.958 1.904 22 8 0.998 1.138 1.250 1.299 1.976 1.917 1.878 23 9 1.139 1.248 1.294 2.000 1.937 1.894 1.869 24 10 1.246 1.291 2.025 1.960 1.915 1.888 1 840 25 11 1.262 2.006 1.934 1.884 1.852 1.800 1.760 26 12 1.981 1.903 1.848 1.810 1.753 1.709 1.651 27 13 1.874 1.811 1.767 1.704 1.654 1.591 1.601 28 14 1.793 1.744 1.676 1.622 1.555 1.562 1.563 29 15 1.722 1.664 1.603 1.530 1.533 1.529 1.540 30 16 1.668 1.588 1.525 1.526 1.520 1.527 1.518 31 17 1.606 1.540 1.539 1.532 1.538 1.527 1.468 32 18 1.561 1.473 1.495 1.515 1.517 1.481 1.404 33 19 1.479 1.419 1.471 1.490 1.493 1.440 1.382 34 20 1.419 1.376 1.426 1.432 1.431 1.406 1.351 35 21 1.620 1.569 1.561 1.528 1.491 1.445 1.360 36 22 1.520 1.496 1.469 1.464 1.447 1.425 1.372 37 23 1.431 1.423 1.414 1.434 1.446 1.432 1.475 38 24 1.354 1.389 1.382 1.428 1.466 1.528 1.590 39 25 1.336 1.382 1.414 1.484 1.591 1.663 1.753 40 26 1.374 1.435 1.503 1.619 1.747 1.855 1.951 41 27 1.460 1.533 1.654 1.789 1.943 2.071 2.168 42 28 1.576 1.689 1.820 1.973 2.149 2.289 2.430 43 29 1.784 1.903 2.039 2.203 2.377 2.550 2.724 44 30 1.984 2.123 2.272 2.437 2.641 2.837 3.065 45 31 2.181 2.336 2.501 2.698 2.931 3.164 3.419 46 32 2.389 2.561 2.768 2.996 3.266 3.526 3.832 47 33 2.597 2.811 3.050 3.336 3.644 3.957 4.283 48 34 2.773 3.035 3.328 3.670 4.049 4.395 4.819 49 35 3.043 3.352 3.683 4.084 4.502 4.911 5.408 50 36 3.398 3.731 4.107 4.546 5.029 5.484 5.999 51 37 3.787 4.157 4.555 5.042 5.576 6.087 6.574 52 38 4.226 4.599 5.038 5.550 6.135 6.720 7.265 53 39 4.683 5.088 5.543 6.089 6.724 7.449 8.043 54 40 5.199 5.610 6.081 6.660 7.399 8.241 8.966 55 41 5.728 6.167 6.672 7.334 8.155 9.108 10.040 56 42 6.282 6.769 7.374 8.100 8.998 10.064 11.220 57 43 6.851 7.449 8.152 8.966 9.941 11.109 12.378 58 44 7.463 8.185 9.000 9.924 10.994 12.167 13.548 59 45 8.132 8.982 9.923 10.975 12.078 13.296 14.733 60 46 8.864 9.835 10.910 12.046 13.218 14.523 16.020 61 47 9.705 10.772 11.913 13.146 14.450 15.893 17.444 62 48 10.656 11.735 12.939 14.303 15.782 17.394 19.085 63 49 11.661 12.744 14.025 15.543 17.212 19.029 20.910 64 50 12.682 13.794 15.187 16.858 18.725 20.764 22.858 65 51 13.725 14.951 16.500 18.379 20.524 22.872 25.301 66 52 14.784 16.193 17.978 20.147 22.644 25.399 28.277 67 53 15.809 17.425 19.433 21.846 24.607 27.717 31.208 68 54 16.835 18.720 21.059 23.787 26.913 30.664 34.640 69 55 17.875 20.024 22.651 25.672 29.271 33.476 37.790 70 56 18.953 21.389 24.336 27.826 31.833 36.546 41.508 71 57 20.102 22.787 26.126 29.948 34.327 39.452 45.093 72 58 21.350 24.366 28.015 32.217 37.020 42.669 48.446 73 59 22.797 26.112 30.141 34.853 40.330 46.353 52.774 74 60 24.378 27.921 32.243 37.431 43.205 49.771 57.003 75 61 26.096 29.933 34.695 40.244 46.722 54.259 62.422 76 62 27.956 32.061 36.971 42.984 50.244 58.413 67.405 77 63 29.882 34.184 39.560 46.413 54.465 63.513 73.727 78 64 31.740 36.420 42.506 50.065 58.961 68.920 80.381 79 65 33.856 39.112 45.766 54.043 63.786 74.670 87.184 80 66 36.553 42.258 49.490 58.439 68.958 80.789 93.952 81 67 39.851 46.035 53.785 63.317 74.555 87.266 101.167 82 68 43.905 50.562 58.735 68.757 80.558 94.092 108.706 83 69 48.674 55.781 64.327 74.683 86.921 101.224 117.144 84 70 54.040 61.634 70.444 81.032 93.607 108.620 126.252 85 71 57.853 66.089 75.634 87.105 100.703 116.956 136.020 86 72 61.887 70.977 81.525 94.166 109.183 127.100 148.131 87 73 66.042 76.053 87.641 101.548 118.025 137.717 163.289 88 74 69.296 79.899 92.193 106.922 124.377 147.352 174.924 89 75 71.325 82.372 95.152 110.450 130.412 154.709 183.930 90 76 72.522 83.664 96.548 113.505 133.984 158.957 188.956 91 77 73.594 84.821 99.083 116.454 137.476 163.079 193.844 92 78 76.136 88.781 103.681 121.868 143.849 170.629 203.027 93 79 81.536 95.052 111.014 130.471 153.994 182.942 217.662 94 80 86.866 101.274 118.265 138.984 164.377 195.263 232.279 95
1987 MORTALITY ASUMPTION PER 1000 FPNM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ----- ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.409 15 0.317 0.382 0.442 0.492 0.527 0.548 0.411 0.393 16 0.384 0.444 0.475 0.506 0.527 0.406 0.395 0.379 17 0.451 0.482 0.498 0.514 0.404 0.392 0.379 0.367 18 0.460 0.486 0.502 0.391 0.393 0.373 0.360 0.351 19 0.449 0.480 0.374 0.372 0.367 0.347 0.338 0.329 20 0.426 0.349 0.355 0.350 0.341 0.318 0.316 0.306 21 0.308 0.338 0.347 0.340 0.329 0.307 0.311 0.308 22 0.294 0.325 0.339 0.332 0.321 0.306 0.304 0.300 23 0.287 0.315 0.334 0.327 0.319 0.306 0.303 0.302 24 0.276 0.305 0.324 0.324 0.319 0.309 0.305 0.308 25 0.268 0.293 0.316 0.320 0.322 0.314 0.314 0.321 26 0.255 0.280 0.302 0.309 0.318 0.318 0.321 0.330 27 0.256 0.275 0.296 0.310 0.323 0.331 0.340 0.351 28 0.260 0.278 0.297 0.315 0.331 0.345 0.357 0.378 29 0.268 0.284 0.302 0.324 0.346 0.363 0.385 0.410 30 0.278 0.298 0.320 0.340 0.366 0.392 0.415 0.447 31 0.284 0.311 0.332 0.358 0.386 0.417 0.447 0.486 32 0.286 0.315 0.342 0.370 0.402 0.436 0.478 0.523 33 0.280 0.315 0.347 0.383 0.422 0.463 0.511 0.559 34 0.271 0.315 0.355 0.397 0.445 0.493 0.543 0.596 35 0.271 0.323 0.371 0.425 0.477 0.531 0.585 0.645 36 0.271 0.334 0.393 0.455 0.516 0.573 0.637 0.703 37 0.280 0.351 0.420 0.491 0.558 0.623 0.692 0.767 38 0.301 0.383 0.466 0.545 0.620 0.691 0.767 0.854 39 0.328 0.427 0.518 0.605 0.686 0.767 0.853 0.951 40 0.354 0.466 0.566 0.662 0.747 0.832 0.931 1.040 41 0.379 0.503 0.618 0.720 0.812 0.907 1.011 1.124 42 0.411 0.552 0.678 0.792 0.899 1.004 1.115 1.239 43 0.435 0.587 0.725 0.852 0.968 1.080 1.196 1.329 44 0.458 0.621 0.774 0.913 1.034 1.153 1.279 1.419 45 0.483 0.660 0.824 0.976 1.105 1.233 1.369 1.520 46 0.508 0.697 0.875 1.042 1.187 1.326 1.474 1.643 47 0.534 0.741 0.934 1.117 1.285 1.438 1.601 1.786 48 0.558 0.788 1.002 1.205 1.402 1.579 1.758 1.966 49 0.584 0.839 1.077 1.306 1.534 1.737 1.946 2.177 50 0.608 0.898 1.161 1.416 1.669 1.907 2.146 2.403 51 0.651 0.982 1.282 1.566 1.852 2.128 2.402 2.680 52 0.700 1.076 1.411 1.728 2.040 2.349 2.645 2.952 53 0.752 1.173 1.547 1.891 2.231 2.552 2.872 3.208 54 0.813 1.279 1.689 2.061 2.418 2.749 3.088 3.450 55 0.880 1.398 1.848 2.242 2.615 2.958 3.306 3.695 56 0.961 1.533 2.025 2.447 2.833 3.180 3.549 3.968 57 1.061 1.692 2.232 2.685 3.073 3.441 3.839 4.284 58 1.178 1.884 2.481 2.962 3.370 3.768 4.193 4.663 59 1.317 2.109 2.765 3.286 3.731 4.162 4.614 5.101 60 1.477 2.358 3.081 3.647 4.148 4.612 5.088 5.592 61 1.660 2.625 3.417 4.045 4.601 5.096 5.599 6.131 62 1.867 2.903 3.764 4.472 5.064 5.599 6.138 6.715 63 2.098 3.224 4.154 4.918 5.533 6.101 6.680 7.307 64 2.360 3.605 4.596 5.382 6.020 6.620 7.233 7.914 65 2.653 4.009 5.062 5.861 6.538 7.173 7.832 8.593 66 2.972 4.407 5.518 6.352 7.089 7.788 8.528 9.435 67 3.324 4.769 5.924 6.846 7.686 8.495 9.391 10.464 68 3.708 5.102 6.290 7.337 8.333 9.342 10.446 11.736 69 4.127 5.433 6.648 7.833 9.051 10.318 11.696 13.279 70 4.575 5.749 6.995 8.342 9.817 11.399 13.140 15.062 71 5.020 6.303 7.669 9.137 10.741 12.475 14.376 16.427 72 5.504 6.906 8.395 9.994 11.752 13.645 15.683 17.916 73 6.019 7.547 9.166 10.914 12.829 14.864 17.077 19.505 74 6.469 8.102 9.841 11.714 13.749 15.927 18.294 20.884 75 6.817 8.539 10.371 12.331 14.469 16.755 19.237 21.956 76 7.100 8.891 10.792 12.830 15.048 17.419 19.995 22.818 77 7.383 9.244 11.219 13.333 15.630 18.089 20.761 23.685 78 7.832 9.806 11.897 14.132 16.563 19.166 21.991 25.083 79 8.505 10.645 12.908 15.329 17.965 20.782 23.839 27.188 80 9.192 11.498 13.940 16.553 19.393 22.429 25.727 29.337 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------ ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 O.484 0.522 0.532 0.415 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.414 0.398 22 8 0.371 0.436 0.488 0.527 0.538 0.412 0.397 0.383 23 9 0.438 0.491 0.530 0.541 0.410 0.395 0.382 0.371 24 10 0.493 0.532 0.543 0.409 0.394 0.380 0.370 0.357 25 11 0.535 0.546 0.407 0.392 0.379 0.369 0.356 0.347 26 12 0.549 0.405 0.390 0.378 0.368 0.355 0.346 0.329 27 13 0.407 0.389 0.376 0.367 0.355 0.345 0.329 0.334 28 14 0.391 0.375 0.366 0.354 0.345 0.328 0.334 0.335 29 15 0.377 0.361 0.353 0.344 0.328 0.334 0.335 0.337 30 16 0.364 0.352 0.340 0.328 0.334 0.335 0.337 0.339 31 17 0.354 0.342 0.329 0.335 0.337 0.339 0.340 0.333 32 18 0.342 0.332 0.319 0.327 0.333 0.337 0.335 0.326 33 19 0.322 0.316 0.306 0.318 0.326 0.333 0.330 0.326 34 20 0.304 0.304 0.296 0.310 0.318 0.326 0.330 0.330 35 21 0.310 0.314 0.312 0.321 0.328 0.336 0.346 0.348 36 22 0.306 0.313 0.317 0.323 0.335 0.349 0.364 0.372 37 23 0.308 0.319 0.325 0.332 0.349 0.367 0.380 0.406 38 24 0.317 0.330 0.344 0.352 0.375 0.398 0.425 0.455 39 25 0.332 0.348 0.367 0.384 0.412 0.449 0.479 0.513 40 26 0.343 0.364 0.387 0.413 0.450 0.493 0.530 0.564 41 27 0.371 0.396 0.421 0.458 0.500 0.547 0.587 0.620 42 28 0.401 0.431 0.464 0.503 0.549 0.600 0.644 0.689 43 29 0.437 0.481 0.517 0.557 0.604 0.657 0.711 0.766 44 30 0.489 0.537 0.576 0.618 0.667 0.727 0.786 0.855 45 31 0.537 0.589 0.632 0.679 0.736 0.803 0.871 0.954 46 32 0.577 0.634 0.680 0.737 0.800 0.874 0.955 1.051 47 33 0.615 0.678 0.737 0.802 0.881 0.975 1.073 1.177 48 34 0.656 0.724 0.794 0.873 0.974 1.088 1.195 1.327 49 35 0.714 0.786 0.865 0.959 1.074 1.195 1.316 1.467 50 36 0.775 0.855 0.946 1.052 1.175 1.312 1.448 1.609 51 37 0.846 0.936 1.037 1.146 1.280 1.433 1.588 1.749 52 38 0.945 1.047 1.146 1.262 1.402 1.568 1.746 1.920 53 39 1.057 1.162 1.270 1.395 1.552 1.742 1.963 2.157 54 40 1.150 1.268 1.380 1.514 1.685 1.904 2.158 2.399 55 41 1.248 1.377 1.505 1.660 1.862 2.115 2.422 2.740 56 42 1.376 1.523 1.674 1.861 2.088 2.378 2.730 3.127 57 43 1.474 1.650 1.837 2.060 2.331 2.661 3.066 3.520 58 44 1.575 1.786 2.014 2.286 2.604 2.985 3.414 3.944 59 45 1.691 1.936 2.214 2.535 2.910 3.322 3.807 4.390 60 46 1.831 2.105 2.429 2.806 3.225 3.695 4.241 4.869 61 47 2.014 2.301 2.659 3.060 3.525 4.046 4.631 5.290 62 48 2.228 2.524 2.891 3.328 3.840 4.408 5.055 5.769 63 49 2.460 2.756 3.143 3.609 4.161 4.792 5.510 6.304 64 50 2.685 2.999 3.416 3.926 4.549 5.274 6.111 7.038 65 51 2.979 3.322 3.767 4.328 5.018 5.839 6.789 7.840 66 52 3.277 3.650 4.140 4.759 5.528 6.449 7.514 8.689 67 53 3.568 3.980 4.530 5.223 6.077 7.091 8.275 9.593 68 54 3.858 4.321 4.941 5.723 6.662 7.770 9.076 10.506 69 55 4.161 4.682 5.385 6.259 7.293 8.505 9.946 11.468 70 56 4.478 5.070 5.863 6.837 7.977 9.311 10.895 12.613 71 57 4.821 5.496 6.381 7.466 8.730 10.199 11.947 13.904 72 58 5.210 5.963 6.944 8.144 9.544 11.177 13.117 15.392 73 59 5.672 6.483 7.555 8.865 10.423 12.252 14.506 17.039 74 60 6.202 7.060 8.218 9.647 11.375 13.510 16.038 18.854 75 61 6.790 7.692 8.980 10.585 12.638 15.127 18.041 21.368 76 62 7.425 8.391 9.821 11.687 14.044 16.901 20.279 24.182 77 63 8.083 9.128 10.818 12.990 15.751 19.149 23.163 27.743 78 64 9.776 9.960 11.859 14.306 17.460 21.334 25.748 31.048 79 65 9.602 10.911 13.080 15.918 19.570 23.944 29.088 35.265 80 66 10.587 12.031 14.469 17.647 21.616 26.488 32.242 38.987 81 67 11.789 13.405 16.192 19.707 24.188 29.702 36.275 43.918 82 68 13.289 15.088 18.121 21.968 26.842 32.841 40.087 48.444 83 69 15.084 17.022 20.459 24.735 30.107 36.754 44.922 54.595 84 70 17.099 19.245 23.133 27.850 33.743 41.063 50.207 61.506 85 71 18.646 20.981 25.392 30.761 37.482 45.837 56.298 69.261 86 72 20.332 22.864 27.965 34.200 42.009 51.748 63.977 79.169 87 73 22.123 24.872 30.749 37.939 46.967 58.248 72.454 90.785 88 74 23.681 26.623 33.134 41.118 51.161 63.728 80.088 100.725 89 75 24.895 27.976 35.058 43.759 54.706 68.845 86.868 109.657 90 76 25.862 29.058 36.411 45.441 57.123 71.909 90.777 114.627 91 77 26.840 30.153 37.779 47.383 59.583 75.043 94.762 119.718 92 78 28.420 31.925 40.179 50.407 63.418 79.897 100.943 126.562 93 79 30.903 34.739 43.733 54.894 69.084 87.079 109.239 136.951 94 80 33.352 37.626 47.391 59.504 74.923 93.819 117.683 147.537 95
1987 MORTALITY ASSUMPTION PER 1000 FNSM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 O.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.591 15 0.317 0.382 0.442 0.492 0.527 0.548 0.594 0.567 16 0.384 0.444 0.475 0.506 0.527 0.587 0.570 0.547 17 0.451 0.482 0.498 0.514 0.583 0.566 0.547 0.529 18 0.460 0.486 0.502 0.564 0.567 0.538 0.520 0.507 19 0.449 0.480 0.540 0.538 0.530 0.501 0.488 0.475 20 0.426 0.504 .0.513 0.506 0.492 0.459 0.456 0.442 21 0.445 0.489 0.502 0.492 0.476 0.444 0.449 0.445 22 0.425 0.470 0.490 0.480 0.464 0.442 0.439 0.434 23 0.415 0.456 0.482 0.472 0.461 0.442 0.437 0.436 24 0.398 0.440 0.467 0.468 0.461 0.446 0.440 0.444 25 0.387 0.423 0.457 0.462 0.465 0.454 0.454 0.464 26 0.369 0.404 0.436 0.446 0.459 0.459 0.464 0.476 27 0.369 0.397 0.427 0.448 0.466 0.478 0.491 0.507 28 0.375 0.401 0.429 0.454 0.478 0.498 0.516 0.545 29 0.387 0.410 0.437 0.468 0.500 0.524 0.556 0.592 30 0.402 0.430 0.462 0.491 0.528 0.566 0.599 0.646 31 0.411 0.449 0.480 0.518 0.558 0.602 0.646 0.702 32 0.413 0.455 0.494 0.535 0.580 0.630 0.690 0.755 33 0.404 0.455 0.502 0.553 0.609 0.669 0.738 0.807 34 0.391 0.454 0.512 0.574 0.643 0.712 0.785 0.861 35 0.391 0.466 0.535 0.614 0.689 0.767 0.845 0.932 36 0.391 0.482 0.568 0.657 0.745 0.828 0.920 1.015 37 0.405 0.507 0.607 0.710 0.806 0.899 0.999 1.107 38 0.435 0.553 0.674 0.787 0.895 0.997 1.108 1.233 39 0.474 0.617 0.748 0.873 0.991 1.108 1.232 1.374 40 0.512 0.672 0.817 0.957 1.078 1.202 1.345 1.502 41 0.548 0.726 0.893 1.040 1.172 1.311 1.460 1.624 42 0.594 0.797 0.979 1.144 1.298 1.450 1.610 1.789 43 0.628 0.848 1.048 1.231 1.399 1.560 1.728 1.920 44 0.661 0.897 1.118 1.319 1.493 1.666 1.847 2.050 45 0.697 0.953 1.191 1.410 1.596 1.781 1.977 2.195 46 0.734 1.007 1.264 1.505 1.715 1.915 2.129 2.373 47 0.771 1.070 1.349 1.613 1.856 2.078 2.312 2.580 48 0.806 1.138 1.447 1.740 2.026 2.281 2.539 2.840 49 0.843 1.212 1.556 1.887 2.215 2.508 2.811 3.145 50 0.879 1.296 1.677 2.045 2.410 2.754 3.100 3.472 51 0.941 1.419 1.852 2.262 2.675 3.074 3.469 3.871 52 1.010 1.554 2.037 2.496 2.947 3.393 3.821 4.264 53 1.087 1.694 2.235 2.731 3.223 3.686 4.148 4.633 54 1.174 1.848 2.440 2.977 3.492 3.971 4.461 4.983 55 1.271 2.019 2.670 3.238 3.778 4.272 4.776 5.337 56 1.389 2.214 2.925 3.535 4.092 4.593 5.127 5.731 57 1.532 2.444 3.224 3.879 4.439 4.971 5.545 6.188 58 1.701 2.721 3.584 4.279 4.868 5.443 6.056 6.735 59 1.903 3.046 3.994 4.746 5.389 6.012 6.665 7.367 60 2.134 3.405 4.450 5.269 5.992 6.661 7.350 8.077 61 2.398 3.792 4.936 5.843 6.646 7.360 8.088 8.857 62 2.697 4.193 5.437 6.459 7.315 8.087 8.866 9.700 63 3.031 4.657 6.000 7.103 7.992 8.813 9.650 10.554 64 3.409 5.207 6.638 7.774 8.695 9.562 10.447 11.431 65 3.832 5.790 7.312 8.466 9.444 10.361 11.313 12.413 66 4.292 6.366 7.970 9.175 10.240 11.249 12.319 13.628 67 4.802 6.888 8.556 9.888 11.102 12.271 13.564 15.114 68 5.356 7.370 9.085 10.598 12.036 13.494 15.089 16.953 69 5.962 7.847 9.603 11.315 13.074 14.903 16.894 19.180 70 6.609 8.304 10.104 12.049 14.181 16.466 18.980 21.757 71 7.251 9.104 11.077 13.198 15.514 18.020 20.766 23.728 72 7.950 9.975 12.127 14.436 16.975 19.710 22.653 25.879 73 8.694 10.901 13.240 15.764 18.531 21.470 24.667 28.175 74 9.344 11.704 14.215 16.920 19.859 23.006 26.425 30.166 75 9.847 12.334 14.980 17.812 20.899 24.202 27.787 31.715 76 10.256 12.843 15.588 18.532 21.737 25.161 28.882 32.959 77 10.664 13.352 16.205 19.259 22.577 26.129 29.989 34.212 78 11.314 14.164 17.184 20.412 23.924 27.685 31.764 36.230 79 12.285 15.376 18.645 22.142 25.949 30.018 34.435 39.272 8O 13.278 16.608 20.136 23.910 28.012 32.398 37.161 42.376 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------- ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 4 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.502 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.516 0.482 22 8 0.371 0.436 0.488 0.527 0.538 0.530 0.495 0.463 23 9 0.438 0.491 0.530 0.541 0.543 0.508 0.476 0.450 24 10 0.493 0.532 0.543 0.557 0.521 0.489 0.462 0.432 25 11 0.535 0.546 0.571 0.535 0.502 0.475 0.445 0.420 26 12 0.549 0.585 0.548 0.515 0.488 0.457 0.432 0.399 27 13 0.588 0.562 0.528 0.501 0.470 0.444 0.410 0.404 28 14 0.564 0.541 0.514 0.482 0.457 0.422 0.417 0.405 29 15 0.544 0.522 0.495 0.469 0.434 0.429 0.418 0.408 30 16 0.525 0.508 0.477 0.447 0.442 0.431 0.421 0.410 31 17 0.512 0.494 0.462 0.457 0.446 0.436 0.424 0.403 32 18 0.494 0.479 0.448 0.446 0.440 0.433 0.418 0.395 33 19 0.465 0.457 0.430 0.434 0.432 0.428 0.411 0.394 34 20 0.439 0.439 0.415 0.423 0.421 0.419 0.412 0.399 35 21 0.448 0.454 0.438 0.438 0.435 0.432 0.432 0.421 36 22 0.441 0.452 0.445 0.440 0.443 0.449 0.454 0.450 37 23 0.444 0.461 0.454 0.452 0.463 0.472 0.474 0.491 38 24 0.458 0.476 0.483 0.480 0.497 0.511 0.530 0.551 39 25 0.479 0.502 0.515 0.524 0.545 0.577 0.597 0.621 40 26 0.496 0.526 0.544 0.563 0.596 0.633 0.661 0.683 41 27 0.535 0.572 0.591 0.624 0.662 0.703 0.733 0.751 42 28 0.580 0.622 0.651 0.686 0.726 0.772 0.803 0.834 43 29 0.632 0.695 0.726 0.759 0.801 0.845 0.887 0.927 44 30 0.706 0.776 0.809 0.843 0.883 0.934 0.980 1.034 45 31 0.776 0.851 0.887 0.925 0.974 1.032 1.087 1.155 46 32 0.834 0.916 0.955 l.005 1.059 1.124 1.192 1.272 47 33 0.889 0.980 1.034 1.094 1.166 1.253 1.339 1.425 48 34 0.948 1.046 1.115 1.191 1.290 1.399 1.492 1.606 49 35 1.031 1.135 1.215 1.308 1.422 1.537 1.642 1.776 50 36 1.119 1.235 1.328 1.434 . 1.556 1.686 1.806 1.947 51 37 1.222 1.352 1.456 1.563 1.695 1.842 1.982 2.118 52 38 1.365 1.512 1.608 1.721 1.857 2.017 2.179 2.324 53 39 1.527 1.679 1.783 1.903 2.055 2.239 2.449 2.612 54 40 1.661 1.832 1.937 2.064 2.231 2.448 2.693 2.904 55 41 1.803 1.989 2.113 2.264 2.446 2.720 3.022 3.317 56 42 1.988 2.201 2.349 2.537 2.765 3.058 3.407 3.785 57 43 2.130 2.383 2.578 2.809 3.087 3.422 3.826 4.261 58 44 2.275 2.580 2.827 3.117 3.449 3.837 4.261 4.775 59 45 2.443 2.796 3.108 3.457 3.854 4.271 4.750 5.315 60 46 2.645 3.041 3.410 3.827 4.270 4.751 5.291 5.895 61 47 2.909 3.324 3.733 4.172 4.669 5.202 5.778 6.404 62 48 3.218 3.646 4.058 4.538 5.085 5.667 6.307 6.984 63 49 3.554 3.980 4.412 4.922 5.510 6.161 8.875 7.631 64 50 3.878 4.332 4.795 5.353 6.024 6.781 7.426 8.520 65 51 4.303 4.798 5.287 5.902 6.645 7.507 8.471 9.491 66 52 4.733 5.272 5.811 6.489 7.321 8.292 9.375 10.518 67 53 5.154 5.749 6.359 7.122 8.048 9.117 10.325 11.613 68 54 5.573 6.242 6.936 7.804 8.823 9.990 11.325 12.718 69 55 6.010 6.762 7.558 8.534 9.658 10.935 12.411 13.883 70 56 6.469 7.324 8.229 9.323 10.565 11.971 13.595 15.269 71 57 6.963 7.938 8.957 10.180 11.562 13.112 14.907 16.831 72 58 7.526 8.413 9.747 11.105 12.640 14.371 16.367 18.432 73 59 8.193 9.364 10.605 12.089 13.803 15.752 18.101 20.626 74 60 8.958 10.197 11.535 13.155 15.065 17.371 20.012 22.823 75 61 9.807 11.110 . 12.604 14.434 16.737 19.449 22.511 25.867 76 62 10.725 12.120 13.786 15.937 18.599 21.730 25.304 29.273 77 63 11.676 13.185 . 15.185 17.714 20.859 24.620 28.902 33.584 78 64 12.676 14.387 16.647 19.509 23.123 27.429 32.128 37.584 79 65 13.869 15.761 18.340 21.706 25.917 30.785 34.296 42.689 80 66 15.292 17.378 20.310 24.064 28.626 34.056 40.232 47.195 81 67 17.028 19.363 22.729 26.873 32.033 38.188 45.263 53.163 82 68 19.195 21.794 25.434 29.957 35.548 42.224 50.020 58.642 83 69 21.788 24.588 28.717 33.729 39.871 47.255 56.053 66.089 84 70 24.699 27.798 32.472 37.977 44.687 52.795 62.647 74.455 85 71 26.933 30.306 35.642 41.947 49.639 58.933 70.248 83.842 86 72 29.368 33.025 39.254 46.637 55.634 64.533 79.830 95.836 87 73 31.955 35.926 43.162 51.735 62.199 74.891 90.407 109.898 88 74 34.206 38.455 46.509 56.070 67.754 81.936 99.933 121.931 89 75 35.959 40.409 49.210 59.671 72.449 88.515 108.392 132.742 90 76 37.357 41.973 51.109 61.944 75.650 92.454 113.271 138.758 91 77 38.768 43.555 53.029 64.613 78.907 94.483 118.243 144.922 92 78 41.051 46.115 56.397 68.737 83.986 102.725 125.955 153.207 93 79 44.493 50.179 61.386 74.854 91.490 111.958 136.308 165.782 94 8O 48.175 54.349 66.521 81.142 99.222 120.624 146.844 178.597 95
1987 MORTALITY ASSUMPTION PER 1000 FPSM
x [X] [X]+1 [X]+2 [X]+3 [x]+4 [x]+5 [x]+6 [x]+7 -- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.593 15 0.317 0.382 0.442 0.492 0.527 0.548 0.596 0.580 16 0.384 0.444 0.475 0.506 0.527 0.589 0.582 0.569 17 0.451 0.482 0.498 0.514 0.585 0.578 0.569 0.560 18 0.460 0.486 0.502 0.566 0.580 0.560 0.550 0.546 19 0.449 0.480 0.542 0.549 0.551 0.530 0.525 0.520 20 0.426 0.505 0.524 0.526 0.521 0.494 0.500 0.495 21 0.447 0.499 0.522 0.520 0.512 0.486 0.502 0.512 22 0.434 0.489 0.518 0.516 0.508 0.495 0.505 0.515 23 0.432 0.482 0.519 0.517 0.516 0.508 0.520 0.537 24 0.421 0.474 0.512 0.525 0.530 0.529 0.542 0.566 25 0.416 0.464 0.512 0.532 0.552 0.559 0.578 0.608 26 0.404 0.453 0.502 0.530 0.565 0.584 0.608 0.639 27 0.414 0.457 0.508 0.551 0.594 0.626 0.659 0.693 28 0.432 0.476 0.528 0.579 0.627 0.668 0.705 0.755 29 0.459 0.505 0.556 0.613 0.671 0.716 0.769 0.830 30 0.495 0.548 0.606 0.659 0.721 0.784 0.841 0.919 31 0.523 0.589 0.643 0.707 0.772 0.845 0.918 1.010 32 0.541 0.610 0.675 0.740 0.814 0.895 0.994 1.101 33 0.542 0.621 0.695 0.777 0.866 0.963 1.076 1.192 34 0.535 0.629 0.719 0.816 0.926 1.038 1.159 1.288 35 0.542 0.654 0.761 0.885 1.005 1.133 1.263 1.405 36 0.549 0.685 0.817 0.958 1.100 1.238 1.387 1.544 37 0.575 0.729 0.885 1.048 1.206 1.356 1.519 1.697 38 0.626 0.807 0.995 1.176 1.350 1.516 1.698 1.897 39 0.691 0.912 1.119 1.317 1.506 1.698 1.895 2.105 40 0.756 1.006 1.232 1.454 1.652 1.850 2.060 2.292 41 0.819 1.094 1.357 1.594 1.804 2.009 2.228 2.469 42 0.896 1.212 1.501 1.761 1.989 2.213 2.448 2.709 43 0.955 1.299 1.612 1.886 2.134 2.371 2.616 2.894 44 1.013 1.381 1.713 2.013 2.269 2.522 2.785 3.066 45 1.072 1.460 1.817 2.143 2.416 2.686 2.957 3.242 46 1.125 1.537 1.921 2.279 2.585 2.864 3.145 3.460 47 1.177 1.626 2.042 2.433 2.776 3.069 3.372 3.715 48 1.225 1.723 2.181 2.602 2.992 3.327 3.656 4.020 49 1.276 1.827 2.326 2.787 3.231 3.612 3.978 4.374 50 1.325 1.939 2.477 2.983 3.471 3.899 4.312 4.743 51 1.407 2.096 2.701 3.257 3.786 4.276 4.740 5.194 52 1.492 2.267 2.934 3.532 4.098 4.635 5.126 5.590 53 1.585 2.440 3.163 3.799 4.403 4.945 5.438 5.931 54 1.691 2.615 3.393 4.068 4.685 5.205 5.709 6.255 55 1.799 2.808 3.648 4.345 4.952 5.468 5.995 6.568 56 1.931 3.025 3.924 4.634 5.237 5.765 6.310 6.912 57 2.093 3.278 4.226 4.965 5.573 6.118 6.687 7.311 58 2.282 3.567 4.587 5.372 5.991 6.565 7.155 7.792 59 2.495 3.899 5.014 5.841 6.499 7.104 7.712 8.342 60 2.731 4.275 5.477 6.355 7.080 7.707 8.322 8.946 61 3.010 4.667 5.954 6.904 7.689 8.334 8.958 9.592 62 3.319 5.057 6.424 7.473 8.282 8.958 9.602 10.267 63 3.656 5.503 6.942 8.043 8.852 9.545 10.213 10.911 64 4.028 6.024 7.516 8.611 9.418 10.120 10.800 11.536 65 4.434 6.556 8.099 9.169 9.996 10.712 11.418 12.221 66 4.860 7.051 8.632 9.711 10.586 11.353 12.129 13.082 67 5.319 7.461 9.056 10.222 11.205 12.081 13.021 14.137 68 5.801 7.801 9.392 10.696 11.851 12.954 14.114 15.545 69 6.310 8.113 9.692 11.140 12.550 13.940 15.492 17.232 70 6.833 8.381 9.949 11.567 13.264 15.099 17.052 19.146 71 7.318 8.964 10.634 12.345 14.226 16.190 18.274 20.443 72 7.827 9.576 11.343 13.237 15.250 17.345 19.517 21.818 73 8.346 10.196 12.141 14.163 16.307 18.498 20.796 23.233 74 8.740 10.732 12.771 14.890 17.110 19.395 21.790 24.317 75 9.029 11.081 13.183 15.346 17.619 19.957 22.399 24.982 76 9.214 11.302 13.430 15.624 17.924 20.283 22.751 25.354 77 9.385 11.504 13.662 15.881 18.200 20.582 23.069 25.685 78 9.747 11.941 14.170 16.455 18.846 21.297 23.848 26.532 79 10.357 12.679 15.030 17.442 19.962 22.537 25.217 28.034 80 10.949 13.388 15.861 18.393 21.030 23.725 26.527 29.468 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE -- ------ ------ ------ ------ ------ ------ ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.641 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.632 0.626 22 8 0.371 0.436 0.488 0.527 0.538 0.623 0.618 0.613 23 9 0.438 0.491 0.530 0.541 0.615 0.609 0.605 0.605 24 10 0.493 0.532 0.543 0.605 0.601 0.597 0.598 0.592 25 11 0.535 0.546 0.596 0.592 0.588 0.590 0.585 0.585 26 12 0.549 0.587 0.583 0.580 0.582 0.578 0.578 0.568 27 13 0.590 0.574 0.572 0.574 0.570 0.571 0.562 0.592 28 14 0.577 0.563 0.566 0.563 0.564 0.555 0.586 0.612 29 15 0.566 0.553 0.555 0.557 0.549 0.580 0.606 0.638 30 16 0.556 0.547 0.544 0.542 0.574 0.600 0.633 0.664 31 17 0.551 0.541 0.539 0.570 0.597 0.629 0.660 0.672 32 18 0.541 0.537 0.537 0.574 0.611 0.647 0.670 0.674 33 19 0.521 0.526 0.531 0.579 0.620 0.659 0.674 0.685 34 20 0.506 0.521 0.532 0.583 0.622 0.660 0.687 0.703 35 21 0.532 0.559 0.581 0.622 0.658 0.693 0.730 0.751 36 22 0.543 0.576 O.607 0.640 0.683 0.729 0.778 0.813 37 23 0.566 0.604 0.637 0.670 0.722 0.778 0.823 0.900 38 24 0.600 0.639 0.687 0.720 0.786 0.853 0.933 1.022 39 25 0.643 0.686 0.742 0.796 0.874 0.975 1.064 1.167 40 26 0.677 0.729 0.794 0.867 0.968 1.084 1.193 1.298 41 27 0.741 0.803 0.875 0.974 1.089 1.219 1.338 1.439 42 28 0.813 0.884 0.975 1.085 1.210 1.354 1.479 1.612 43 29 0.898 1.000 1.102 1.215 1.350 1.495 1.646 1.806 44 30 1.017 1.131 1.243 1.366 1.501 1.667 1.835 2.024 45 31 1.132 1.256 1.380 1.512 1.669 1.856 2.042 2.251 46 32 1.231 1.369 1.499 1.655 1.830 2.030 2.231 2.470 47 33 1.329 1.477 1.636 1.815 2.023 2.253 2.496 2.755 48 34 1.429 1.591 1.778 1.985 2.228 2.505 2.770 3.092 49 35 1.568 1.739 1.945 2.171 2.447 2.741 3.036 3.405 50 36 1.715 1.899 2.119 2.371 2.667 2.996 3.327 3.703 51 37 1.881 2.072 2.312 2.574 2.894 3.259 3.620 3.978 52 38 2.092 2.307 2.545 2.822 3.156 3.539 3.931 4.310 53 39 2.331 2.552 2.809 3.108 3.465 3.882 4.363 4.783 54 40 2.525 2.773 3.040 3.344 3.716 4.189 4.737 5.227 55 41 2.729 2.999 3.288 3.623 4.055 4.596 5.226 5.867 56 42 2.997 3.291 3.611 4.009 4.490 5.079 5.788 6.577 57 43 3.185 3.520 3.913 4.382 4.926 5.586 6.386 7.270 58 44 3.360 3.763 4.237 4.780 5.409 6.153 6.983 7.960 59 45 3.563 4.026 4.578 5.209 5.937 6.725 7.606 8.651 60 46 3.809 4.304 4.936 5.664 6.460 7.310 8.274 9.411 61 47 4.118 4.623 5.308 6.064 6.901 7.814 8.861 10.023 62 48 4.476 4.981 5.667 6.444 7.339 8.349 9.483 10.713 63 49 4.855 5.340 6.019 6.825 7.799 8.900 10.130 11.466 64 50 5.202 5.678 6.388 7.280 8.361 9.599 11.006 12.536 65 51 5.640 6.141 6.908 7.869 9.037 10.410 11.973 13.666 66 52 6.058 6.618 7.444 8.479 9.754 11.258 12.968 14.817 67 53 6.470 7.076 7.983 9.116 10.499 12.114 13.972 15.995 68 54 6.859 7.529 8.529 9.782 11.264 12.987 14.984 17.118 69 55 7.249 7.990 9.102 10.470 12.062 13.900 16.047 18.253 70 56 7.643 8.474 9.698 11.188 12.902 14.870 17.169 19.598 71 57 8.056 8.988 10.327 11.945 13.798 15.909 18.379 21.075 72 58 8.521 9.541 10.988 12.733 14.734 17.022 19.687 22.747 73 59 9.075 10.142 11.683 13.539 15.708 18.202 21.228 24.536 74 60 9.702 10.793 12.413 14.384 16.725 19.571 22.867 26.615 75 61 10.380 11.486 13.240 15.395 18.117 21.350 25.217 29.555 76 62 11.088 12.232 14.128 16.575 19.616 23.385 27.772 32.762 77 63 11.783 12.982 15.173 17.950 21.567 25.959 31.072 36.797 78 64 12.481 13.811 16.207 19.380 23.424 28.329 33.815 40.296 79 65 13.314 14.742 17.523 21.126 25.717 31.127 37.382 44.767 80 66 14.303 15.935 18.992 22.942 27.809 33.696 40.528 48.383 81 67 15.615 17.396 20.819 25.082 30.451 36.957 44.574 53.258 82 68 17.246 19.180 22.809 27.360 33.052 39.946 48.134 57.370 83 69 19.174 21.184 25.199 30.130 36.241 43.687 52.676 63.100 84 70 21.279 23.436 27.870 33.165 39.691 47.664 57.457 69.341 85 71 22.706 24.991 29.905 35.796 43.056 51.926 62.845 76.114 86 72 24.217 26.622 32.184 38.865 47.095 57.183 69.616 84.755 87 73 25.759 28.300 34.559 42.077 51.359 62.742 76.803 95.459 88 74 26.944 29.582 36.344 44.483 54.535 66.671 83.384 104.008 89 75 27.662 30.338 37.510 46.145 56.807 70.954 88.817 111.154 90 76 28.046 30.738 37.975 46.681 58.261 72.779 91.112 114.027 91 77 28.391 31.091 38.383 47.809 59.678 74.558 93.340 116.825 92 78 29.304 32.068 40.094 49.947 62.354 77.902 97.535 122.289 93 79 30.940 34.273 42.857 53.395 66.659 83.288 104.514 131.041 94 80 32.905 36.454 45.590 56.801 70.917 88.853 111.498 139.771 95
1987 MORTALITY ASSUMPTION PER 1000 FSKM
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 -- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.919 15 0.317 0.382 0.442 0.492 0.527 0.548 0.924 0.898 16 0.384 0.444 0.475 0.506 0.527 0.912 0.903 0.682 17 0.451 0.482 0.498 0.514 0.907 0.896 0.882 0.869 18 0.460 0.486 0.502 0.877 0.898 0.867 0.853 0.846 19 0.449 0.480 0.839 0.852 0.854 0.822 0.814 0.806 20 0.426 0.783 0.813 0.815 0.808 0.766 0.775 0.768 21 0.692 0.774 0.809 0.807 0.794 0.754 0.779 0.793 22 0.672 0.757 0.803 0.800 0.787 0.766 0.782 0.798 23 0.669 0.747 0.805 0.802 0.800 0.788 0.805 0.833 24 0.653 0.734 0.794 0.813 0.822 0.820 0.840 0.877 25 0.646 0.719 0.793 0.824 0.856 0.866 0.895 0.942 26 0.627 0.702 0.777 0.821 0.875 0.906 0.943 0.990 27 0.641 0.708 0.787 0.855 0.920 0.970 1.021 1.074 28 0.670 0.738 0.819 0.897 0.972 1.036 1.092 1.171 29 0.712 0.782 0.862 0.950 1.040 1.111 1.193 1.287 30 0.767 0.849 0.939 1.021 1.118 1.215 1.303 1.424 31 0.811 0.913 0.997 1.096 1.196 1.310 1.423 1.566 32 0.839 0.946 1.046 1.147 1.262 1.388 1.540 1.707 33 0.840 0.963 1.077 1.204 1.342 1.493 1.668 1.848 34 9.828 0.975 1.114 1.265 1.435 1.609 1.796 1.997 35 0.839 1.014 1.179 1.371 1.557 1.756 1.958 2.178 36 0.850 1.062 1.267 1.485 1.706 1.919 2.150 2.393 37 0.892 1.131 1.372 1.625 1.869 2.102 2.354 2.630 38 0.971 1.251 1.542 1.823 2.092 2.350 2.631 2.940 39 1.071 1.413 1.734 2.041 2.335 2.631 2.937 3.263 40 1.172 1.559 1.910 2.254 2.561 2.867 3.193 3.552 41 1.269 1.696 2.103 2.470 2.796 3.113 3.453 3.827 42 1.388 1.879 2.326 2.729 3.083 3.430 3.794 4.198 43 1.481 2.013 2.499 2.923 3.308 3.675 4.055 4.486 44 1.570 2.140 2.656 3.120 3.518 3.909 4.316 4.752 45 1.662 2.263 2.817 3.322 3.744 4.163 4.584 5.025 46 1.744 2.382 2.977 3.532 4.007 4.440 4.875 5.364 47 1.824 2.521 3.165 3.770 4.303 4.757 5.227 5.758 48 1.899 2.670 3.381 4.033 4.637 5.157 5.667 6.231 49 1.978 2.832 3.606 4.319 5.008 5.599 6.166 6.780 50 2.054 3.005 3.839 4.624 5.380 6.043 6.683 7.352 51 2.180 3.249 4.187 5.048 5.868 6.627 7.347 8.050 52 2.313 3.514 4.548 5.475 6.352 7.185 7.946 8.664 53 2.457 3.782 4.902 5.888 6.824 7.664 8.428 9.192 54 2.620 4.053 5.260 6.305 7.262 8.068 8.849 9.696 55 2.789 4.353 5.654 6.734 7.676 8.475 9.293 10.181 56 2.994 4.689 6.082 7.183 8.118 8.936 9.781 10.714 57 3.244 5.082 6.551 7.695 8.638 9.483 10.365 11.332 58 3.537 5.529 7.110 8.326 9.286 10.176 11.090 12.078 59 3.867 6.044 7.772 9.054 10.074 11.011 11.953 12.930 60 4.233 6.626 8.490 9.850 10.973 11.945 12.899 13.867 61 4.666 7.234 9.228 10.701 11.918 12.917 13.885 14.868 62 5.144 7.838 9.957 11.583 12.837 13.884 14.884 15.913 63 5.666 8.529 10.760 12.466 13.721 14.795 15.830 16.912 64 6.243 9.338 11.649 13.347 14.597 15.686 16.741 17.881 65 6.872 10.162 12.554 14.212 15.493 16.603 17.697 18.943 66 7.533 10.930 13.380 15.052 16.409 17.597 18.800 20.278 67 8.244 11.564 14.037 15.845 17.368 18.726 20.183 21.913 68 8.991 12.091 14.558 16.579 18.369 20.079 21.877 24.095 69 9.780 12.575 15.022 17.267 19.453 21.607 24.012 26.710 70 10.590 12.990 15.420 17.929 20.560 23.403 26.431 29.677 71 11.343 13.894 16.483 19.134 22.050 25.094 28.325 31.687 72 12.132 14.842 17.581 20.517 23.638 26.885 30.251 33.817 73 12.936 15.804 18.819 21.952 25.277 28.671 32.234 36.011 74 13.548 16.634 19.796 23.080 26.520 30.063 33.775 37.692 75 13.995 17.176 20.433 23.786 27.310 30.933 34.719 38.723 76 14.282 17.518 20.817 24.217 27.782 31.438 35.263 39.299 77 14.546 17.830 21.176 24.615 28.210 31.902 35.757 39.812 78 15.108 18.509 21.964 25.505 29.211 33.010 34.964 41.125 79 16.054 19.652 23.296 27.035 30.941 34.932 39.087 43.453 80 16.970 20.752 24.585 28.509 32.597 36.775 41.117 45.676 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE -- ------ ------ ------ ------ ------ ------- ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 O.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.798 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.816 0.780 22 8 0.371 0.436 0.488 0.527 0.538 0.834 0.797 0.763 23 9 0.438 0.491 0.530 0.541 0.853 0.816 0.781 0.753 24 10 0.493 0.532 0.543 0.872 0.834 0.799 0.771 0.737 25 11 0.535 0.546 0.891 0.852 0.817 0.789 0.755 0.727 26 12 0.549 0.910 0.871 0.835 0.808 0.773 0.746 0.707 27 13 0.915 0.889 0.854 0.827 0.792 0.764 0.725 0.737 28 14 0.894 0.873 0.845 0.810 0.783 0.743 0.756 0.761 29 15 0.878 0.857 0.829 0.802 0.762 0.776 0.782 0.794 30 16 0.862 0.848 0.813 0.780 0.796 0.804 0.817 0.826 31 17 0.854 0.839 0.805 0.821 0.829 0.842 0.852 0.836 32 18 0.838 0.832 0.802 0.826 0.848 0.866 0.865 0.839 33 19 0.808 0.815 0.794 0.833 0.861 0.881 0.870 0.852 34 20 0.784 0.808 0.794 0.840 0.863 0.883 0.887 0.875 35 21 0.825 0.866 0.867 0.896 0.913 0.927 0.942 0.934 36 22 0.842 0.893 0.907 0.921 0.948 0.976 1.004 1.012 37 23 0.877 0.936 0.952 0.964 1.003 1.041 1.062 1.120 38 24 0.930 0.990 1.026 1.037 1.092 1.141 1.204 1.272 39 25 0.996 1.063 1.109 1.146 1.214 1.306 1.373 1.452 40 26 1.050 1.130 1.186 1.248 1.343 1.451 1.539 1.615 41 27 1.149 1.245 1.307 1.402 1.512 1.631 1.727 1.791 42 28 1.261 1.370 1.457 1.562 1.679 1.813 1.909 2.006 43 29 1.392 1.550 1.646 1.750 1.874 2.001 2.125 2.247 44 30 1.576 1.753 1.857 1.967 2.084 2.231 2.368 2.519 45 31 1.755 1.947 2.062 2.177 2.318 2.484 2.636 2.801 46 32 1.908 2.122 2.239 2.384 2.541 2.717 2.880 3.073 47 33 2.060 2.289 2.444 2.614 2.809 3.016 3.221 3.428 48 34 2.215 2.466 2.656 2.858 3.093 3.353 3.575 3.848 49 35 2.430 2.696 2.906 3.126 3.397 3.669 3.918 4.237 50 36 2.659 2.944 3.165 3.415 3.702 4.010 4.294 4.608 51 37 2.915 3.211 3.454 3.707 4.017 4.362 4.672 4.950 52 38 3.242 3.576 3.801 4.064 4.382 4.737 5.073 5.364 53 39 3.612 3.955 4.196 4.475 4.810 5.195 5.631 5.952 54 40 3.914 4.298 4.541 4.815 5.159 5.607 6.114 6.504 55 41 4.230 4.648 4.913 5.216 5.630 6.152 6.744 7.301 56 42 4.645 5.101 5.395 5.773 6.233 6.798 7.470 8.185 57 43 4.936 5.456 5.846 6.310 6.839 7.476 8.242 9.047 58 44 5.207 5.833 6.330 6.883 7.509 8.236 9.012 9.906 59 45 5.523 6.241 6.839 7.501 8.243 9.001 9.816 10.766 60 46 5.904 6.671 7.374 8.156 8.968 9.784 10.678 11.711 61 47 6.382 7.166 7.929 8.732 9.580 10.459 11.436 12.473 62 48 6.938 7.721 8.466 9.280 10.188 11.175 12.238 13.331 63 49 7.526 8.277 8.992 9.828 10.827 11.912 13.074 14.268 64 50 8.064 8.801 9.543 10.484 11.606 12.848 14.205 15.601 65 51 8.743 9.519 10.320 11.331 12.546 13.933 15.452 17.007 66 52 9.391 10.257 11.120 12.210 13.541 15.069 16.736 18.439 67 53 10.029 10.967 11.925 13.126 14.575 16.215 18.031 19.905 68 54 10.632 11.669 12.742 14.086 15.637 17.383 19.338 21.303 69 55 11.236 12.384 13.597 15.076 16.745 18.604 20.709 22.714 70 56 11.847 13.134 14.488 16.110 17.911 19.903 22.158 24.388 71 57 12.487 13.931 15.427 17.201 19.155 21.294 23.719 26.226 72 58 13.208 14.788 16.415 18.336 20.454 22.783 25.407 28.307 73 59 14.066 15.720 17.453 19.497 21.806 24.363 27.396 30.534 74 60 15.038 16.729 18.543 20.712 23.218 26.195 29.511 33.121 75 61 16.089 17.803 19.780 22.169 25.150 28.576 32.545 36.779 76 62 17.186 18.960 21.105 23.868 27.232 31.300 35.842 40.770 77 63 18.264 20.122 22.667 25.848 29.940 34.745 40.100 45.791 78 64 19.345 21.407 24.211 27.907 32.518 37.917 43.641 50.146 79 65 20.637 22.850 26.178 30.422 35.701 41.662 48.244 55.710 80 66 22.170 24.700 28.372 33.036 38.605 45.101 52.304 60.210 81 67 24.203 26.965 31.101 36.118 42.273 49.465 57.526 66.276 82 68 26.731 29.729 34.074 39.399 45.884 53.466 62.120 71.394 83 69 29.719 32.834 37.645 43.388 50.310 58.473 67.982 78.525 84 70 32.983 36.325 41.634 47.758 55.100 63.796 74.152 86.291 85 71 35.195 38.735 44.674 51.546 59.772 69.501 81.106 94.720 86 72 37.537 41.264 48.079 55.966 65.379 76.537 89.845 105.472 87 73 39.927 43.864 51.627 60.591 71.299 83.978 99.119 118.794 88 74 41.764 45.853 54.293 64.055 75.707 89.504 107.612 129.432 89 75 42.876 47.024 56.035 66.449 78.862 94.969 114.624 138.325 90 76 43.471 47.644 56.729 67.221 80.880 97.412 117.586 141.900 91 77 44.006 48.192 57.340 68.846 82.846 99.793 120.461 145.383 92 78 45.421 49.706 59.896 71.924 86.562 104.269 125.875 152.182 93 79 47.957 53.123 64.022 76.889 92.538 111.478 134.882 163.073 94 80 51.002 56.504 68.105 81.793 98.449 118.926 143.895 173.938 95
MEMORANDUM ADDENDUM NO. II Covering Conversions of Certain Policies Originally Issued by American Agency Life Insurance Company To the Reinsurance Agreement between THE LIFE INSURANCE COMPANY OF VIRGINIA Richmond, Virginia And NORTH AMERICAN REASSURANCE COMPANY New York, New York MEMORANDUM ADDENDUM NO. __ To the Reinsurance Agreement Between THE LIFE INSURANCE COMPANY OF VIRGINIA And the NORTH AMERICAN REASSURANCE COMPANY Except as hereinafter stated, all the terms and conditions of the Reinsurance Agreement effective the 1st day of June, 1984, shall apply and this Addendum is to be attached to and made part of the aforesaid Agreement. 1. Effective July 1, 1985 North American Re agrees to provide reinsurance coverage under this Agreement for GP-20 policies issued by American Agency Life Insurance Company (AALIC) and converted to the Company's Charger F/T or Contender Plus plans of insurance. 2. The amount of reinsurance to be ceded to North American Re on the conversions described in paragraph 1., above, when the amount of insurance is not being increased will be the sum of a and b, where a= the amount of reinsurance previously ceded to North American Re by AALIC and b= the portion of reinsurance previously ceded to reinsurers who are not participating in the conversion program which exceeds the Company's retention. 3. The amount of reinsurance to be ceded to North American Re on conversions described in paragraph 1., above, when the amount of insurance is being increased will be the amount indi- -1- cated in paragraph 2., above, plus the portion of the increase in insurance that exceeds the Company's available retention. 4. Reinsurance described in paragraph 2., above, shall be ceded automatically. Reinsurance described in paragraph 3., above, shall also be ceded automatically if the total amount of reinsurance ceded to North American Re does not exceed North American Re's share of the automatic coverage detailed in Exhibit G of the Reinsurance Agreement to which this Memorandum Addendum is attached. If the amount to be ceded to North American Re does exceed these limits, the excess should be submitted to North American Re for facultative consideration. 5. Reinsurance ceded hereunder shall not be eligible for recapture before the tenth anniversary of the conversion. 6. Reinsurance premiums for reinsurance ceded hereunder shall be the Cost of Insurance rates for the plan involved, attached to this Memorandum Addendum as Exhibit A, less the following percentage reductions: Years ---------------- Plan Class 1 2-10 11+ ----------- ------------------- --- ---- --- Charger F/T Preferred Nonsmoker 13% 13% 13% Standard Nonsmoker 20 20 20 Preferred Smoker 13 13 13 Standard Smoker 20 20 20 Contender + Preferred Nonsmoker 100% 15% 10% Standard Nonsmoker 100 20 10 Preferred Smoker 100 10 10 Standard Smoker 100 10 10 Should the Company change its Cost of Insurance rates, North American Re reserves the right to revise the premium percentage reductions shown above. -2- 7. The reinsurance premiums described in paragraph 6., above, shall be applied to the first $5,000,000 of reinsurance ceded to North American Re. Any excess over $5,000,000 shall employ rate schedule NRN-5833 appended to Exhibit B of the Reinsurance Agreement to which this Memorandum Addendum is attached. Nonsmoker rates shall apply to both Preferred Nonsmokers and Standard Nonsmokers and Smoker rates shall apply to both Preferred Smokers and Standard Smokers. IN WITNESS WHEREOF, the Company and the North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. THE LIFE INSURANCE COMPANY OF VIRGINIA By /s/ Illegible Illegible ---------------------, --------- Authorized Officer Title Attest: By /s/ Illegible Director of Compliance ---------------------, ---------------------- Authorized Officer Title Date: NORTH AMERICAN REASSURANCE COMPANY By /s/ Illegible President ---------------------, --------- Authorized Officer Title Attest: By /s/ Illegible Vice - Pres. ---------------------, ------------ Authorized Officer Title Date: -3- EXHIBIT A COST OF INSURANCE RATES CONTENDER PLUS MALE PREFERRED NON-SMOKER PAGE 1 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .008 .140 .l20 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15 1 .008 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16 2 .008 .l20 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17 3 .008 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18 4 .008 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19 5 .008 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20 6 .008 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .146 21 7 .008 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .146 .155 22 8 .008 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .146 .146 .157 23 9 .008 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .146 .146 .146 .159 24 10 .008 .100 .100 .110 .110 .l20 .120 .130 .140 .140 .140 .146 .146 .146 .146 .161 25 11 .008 .100 .110 .110 .120 .120 .130 .140 .140 .140 .146 .146 .146 .146 .146 .163 26 12 .008 .110 .110 .120 .120 .130 .140 .140 .140 .146 .146 .146 .146 .146 .146 .166 27 13 .008 .110 .l20 .120 .130 .140 .140 .140 .146 .146 .146 .146 .146 .146 .146 .166 28 14 .008 .120 .120 .130 .140 .140 .140 .146 .146 .146 .146 .146 .146 .146 .146 .166 29 15 .008 .120 .130 .140 .140 .140 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 30 16 .008 .130 .140 .140 .140 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 31 17 .008 .140 .140 .140 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 32 18 .008 .140 .140 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 33 19 .008 .140 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 34 20 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 35 21 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 36 22 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 37 23 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 38 24 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 39 25 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 40 26 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 41 27 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 42 28 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 43 29 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 44 30 .008 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .146 .166 45 31 .008 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .151 .179 46 32 .009 .156 .156 .156 .156 .156 .156 .156 .156 .156 .156 .156 .156 .156 .157 .194 47 33 .009 .159 .159 .159 .159 .159 .159 .159 .159 .159 .159 .159 .159 .160 .173 .211 48 34 .010 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .164 .177 .191 .231 49 35 .010 .166 .166 .166 .166 .166 .166 .166 .166 .166 .166 .168 .180 .194 .210 .253 50 36 .011 .173 .173 .173 .173 .173 .173 .173 .173 .173 .173 .183 .197 .214 .233 .276 51 37 .011 .181 .181 .181 .181 .181 .181 .181 .181 .181 .187 .200 .216 .235 .256 .301 52 38 .012 .190 .190 .190 .190 .190 .190 .190 .190 .191 .201 .216 .234 .257 .283 .330 53 39 .013 .201 .201 .201 .201 .201 .201 .201 .201 .205 .217 .233 .255 .281 .313 .363 54 40 .014 .213 .213 .213 .213 .213 .213 .213 .213 .220 .233 .252 .277 .309 .347 .404 55 41 .015 .215 .216 .225 .235 .235 .265 .265 .265 .236 .251 .273 .303 .342 .389 .458 56 42 .016 .217 .219 .228 .237 .244 .244 .244 .244 .253 .271 .298 .334 .380 .437 .519 57 43 .017 .219 .222 .231 .239 .246 .253 .253 .257 .271 .294 .326 .369 .424 .491 .583 58 44 .018 .220 .226 .234 .241 .247 .254 .265 .276 .294 .323 .362 .412 .474 .548 .654 59 45 .019 .221 .230 .237 .243 .248 .255 .266 .284 .309 .346 .393 .453 .526 .613 .730 60 46 .021 .237 .248 .256 .262 .269 .278 .291 .312 .342 .384 .438 .505 .586 .682 .804 61 47 .022 .250 .263 .273 .282 .291 .302 .318 .343 .378 .425 .487 .562 .653 .758 .887 62 48 .024 .264 .280 .293 .305 .316 .330 .350 .378 .417 .470 .538 .623 .724 .843 .984 63 49 .026 .279 .298 .315 .330 .345 .362 .385 .416 .460 .518 .594 .689 .803 .938 1.095 64 50 .028 .295 .319 .340 .359 .377 .397 .422 .457 .505 .569 .653 .759 .889 1.042 1.217 65 51 .031 .316 .343 .367 .388 .408 .430 .458 .497 .550 .622 .718 .839 .988 1.165 1.366 66 52 .033 .332 .363 .390 .414 .436 .461 .493 .535 .595 .677 .785 .923 1.094 1.299 1.527 67 53 .035 .348 .384 .414 .439 .464 .491 .525 .573 .640 .732 .855 1.012 1.207 1.442 1.715 68 54 .038 .365 .404 .437 .464 .490 .518 .554 .605 .679 .782 .921 1.102 1.329 1.606 1.911 69 55 .040 .384 .427 .461 .490 .517 .546 .586 .643 .726 .844 1.003 1.210 1.471 1.786 2.126 70 56 .043 .410 .457 .494 .525 .553 .585 .628 .692 .785 .916 1.095 1.327 1.619 1.972 2.357 71 57 .046 .439 .492 .534 .567 .596 .630 .677 .747 .851 .998 1.198 1.459 1.785 2.180 2.623 72 58 .050 .475 .534 .580 .615 .646 .682 .732 .809 .923 1.087 1.311 1.604 1.972 2.417 2.889 73 59 .053 .516 .582 .632 .671 .705 .745 .801 .888 1.018 1.202 1.453 1.776 2.179 2.663 3.186 74 60 .057 .562 .635 .692 .734 .771 .814 .874 .967 1.108 1.311 1.587 1.946 2.394 2.936 3.513 75 61 .062 .612 .694 .756 .803 .844 .890 .957 1.059 1.214 1.437 1.742 2.138 2.633 3.231 3.876 76 62 .067 .665 .755 .824 .876 .921 .972 1.044 1.156 1.326 1.570 1.905 2.343 2.891 3.554 4.278 77 63 .071 .725 .823 .897 .953 1.001 1.056 1.135 1.258 1.443 1.712 2.081 2.564 3.171 3.906 4.725 78 64 .077 .795 .898 .977 1.036 1.087 1.146 1.232 1.366 1.570 1.866 2.273 2.807 3.476 4.288 5.206 79 65 .082 .868 .979 1.062 1.125 1.181 1.245 1.340 1.488 1.713 2.040 2.488 3.075 3.812 4.705 5.711 80 66 .088 .936 1.054 1.144 1.215 1.278 1.352 1.460 1.626 1.878 2.242 2.741 3.395 4.216 5.213 6.307 81 67 .094 1.000 1.124 1.224 1.306 1.383 1.474 1.601 1.793 2.076 2.482 3.035 3.758 4.668 5.773 6.967 82 68 .101 1.061 1.191 1.304 1.403 1.502 1.618 1.773 1.995 2.315 2.765 3.375 4.170 5.171 6.388 7.686 83 69 .108 1.124 1.261 1.388 1.511 1.638 1.786 1.976 2.235 2.596 3.094 3.762 4.631 5.725 7.057 8.519 84 70 .115 1.187 1.331 1.478 1.629 1.792 1.978 2.209 2.511 2.916 3.465 4.194 5.141 6.333 7.787 9.453 85 71 .123 1.285 1.445 1.607 1.774 1.954 2.160 2.413 2.745 3.190 3.793 4.594 5.634 6.946 8.546 10.378 86 72 .132 1.393 1.570 1.749 1.934 2.132 2.359 2.638 3.001 3.491 4.152 5.033 6.177 7.620 9.383 11.398 87 73 .140 1.508 1.703 1.901 2.104 2.322 2.571 2.877 3.275 3.812 4.537 5.503 6.760 8.347 10.287 12.590 88 74 .148 1.610 1.822 2.036 2.255 2.488 2.750 3.070 3.488 4.054 4.827 5.871 7.245 8.997 11.157 13.666 89 75 .155 1.691 1.916 2.144 2.375 2.621 2.897 3.235 3.678 4.280 5.104 6.219 7.687 9.560 11.869 14.553 90 15.304 91 __.___ 92
CONTENDER PLUS MALE NON-SMOKER PAGE 2 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .008 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15 1 .008 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16 2 .008 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17 3 .008 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18 4 .008 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19 5 .008 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20 6 .008 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .149 21 7 .008 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .149 .155 22 8 .008 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .149 .155 .157 23 9 .008 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .149 .155 .157 .159 24 10 .008 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .149 .155 .157 .159 .161 25 11 .008 .100 .110 .110 .120 .120 .130 .140 .140 .140 .149 .155 .157 .159 .160 .163 26 12 .008 .110 .110 .120 .120 .130 .140 .140 .140 .149 .155 .157 .159 .160 .160 .166 27 13 .008 .110 .120 .120 .130 .140 .140 .140 .149 .155 .157 .159 .160 .160 .160 .169 28 14 .008 .120 .120 .130 .140 .140 .140 .149 .155 .157 .159 .160 .160 .160 .160 .173 29 15 .008 .120 .130 .140 .140 .140 .149 .155 .157 .159 .160 .160 .160 .160 .160 .177 30 16 .008 .130 .140 .140 .140 .149 .155 .157 .159 .160 .160 .160 .160 .160 .160 .182 31 17 .008 .140 .140 .140 .149 .155 .157 .159 .160 .160 .160 .160 .160 .160 .160 .187 32 18 .008 .140 .140 .149 .155 .157 .159 .160 .160 .160 .160 .160 .160 .160 .160 .191 33 19 .008 .140 .149 .155 .157 .159 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 34 20 .008 .149 .155 .157 .159 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 35 21 .008 .155 .157 .159 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 36 22 .008 .157 .159 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 37 23 .008 .159 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 38 24 .008 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 39 25 .008 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 40 26 .008 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 41 27 .008 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 42 28 .008 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 43 29 .009 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 44 30 .009 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .160 .193 45 31 .009 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .170 .209 46 32 .010 .172 .172 .172 .172 .172 .172 .172 .172 .172 .172 .172 .172 .174 .188 .228 47 33 .010 .176 .176 .176 .176 .176 .176 .176 .176 .176 .176 .176 .178 .192 .208 .249 48 34 .011 .180 .180 .180 .180 .180 .180 .180 .180 .180 .180 .185 .198 .213 .230 .274 49 35 .011 .184 .184 .184 .184 .184 .184 .184 .184 .184 .191 .203 .218 .235 .255 .302 50 36 .012 .192 .192 .192 .192 .192 .192 .192 .192 .198 .209 .223 .241 .260 .283 .331 51 37 .013 .202 .202 .202 .202 .202 .202 .203 .208 .216 .229 .245 .264 .287 .312 .362 52 38 .014 .213 .215 .216 .216 .216 .217 .220 .225 .235 .248 .266 .288 .315 .346 .398 53 39 .015 .227 .230 .231 .232 .233 .235 .238 .244 .254 .269 .289 .315 .346 .384 .439 54 40 .017 .241 .245 .248 .250 .251 .253 .257 .264 .275 .292 .315 .344 .381 .426 .491 55 41 .018 .245 .270 .273 .274 .274 .275 .278 .285 .297 .316 .343 .378 .423 .478 .558 56 42 .019 .249 .272 .285 .287 .289 .291 .296 .305 .321 .344 .376 .419 .473 .538 .635 57 43 .021 .253 .274 .287 .300 .305 .309 .316 .328 .347 .376 .415 .466 .529 .606 .715 58 44 .022 .257 .275 .289 .301 .310 .320 .338 .355 .380 .416 .433 .523 .594 .677 .804 59 45 .023 .260 .276 .290 .302 .314 .328 .346 .371 .405 .450 .507 .577 .661 .758 .899 60 46 .025 .279 .298 .314 .327 .341 .358 .379 .409 .449 .500 .565 .644 .737 .844 .992 61 47 .027 .296 .318 .336 .353 .370 .391 .416 .451 .497 .556 .630 .718 .821 .940 1.096 62 48 .029 .313 .340 .363 .384 .405 .429 .459 .498 .550 .616 .697 .796 .913 1.047 1.218 63 49 .032 .333 .364 .392 .418 .444 .472 .507 .551 .608 .680 .771 .882 1.013 1.165 1.357 64 50 .035 .354 .391 .425 .456 .487 .520 .558 .607 .669 .749 .850 .974 1.122 1.296 1.509 65 51 .038 .380 .422 .461 .496 .530 .567 .610 .663 .733 .822 .936 1.078 1.249 1.450 1.697 66 52 .040 .402 .450 .493 .533 .571 .612 .659 .719 .797 .898 1.028 1.189 1.386 1.618 1.899 67 53 .043 .424 .478 .527 .570 .612 .656 .708 .774 .861 .975 1.122 1.307 1.531 1.797 2.135 68 54 .046 .448 .508 .560 .606 .650 .696 .752 .823 .919 1.047 1.214 1.426 1.688 2.003 2.382 69 55 .049 .474 .539 .595 .644 .690 .739 .800 .880 .988 1.134 1.326 1.569 1.870 2.230 2.653 70 56 .053 .508 .579 .639 .692 .741 .794 .860 .948 1.090 1.234 1.449 1.722 2.060 2.463 2.943 71 57 .057 .547 .627 .693 .749 .801 .857 .929 1.026 1.162 1.346 1.588 1.895 2.273 2.726 3.278 72 58 .061 .595 .684 .756 .816 .871 .930 1.007 1.113 1.263 1.468 1.739 2.085 2.512 3.024 3.613 73 59 .066 .651 .749 .829 .894 .953 1.018 1.104 1.224 1.393 1.624 1.927 2.310 2.778 3.333 3.989 74 60 .071 .712 .822 .910 .981 1.045 1.115 1.207 1.336 1.520 1.772 2.107 2.532 3.055 3.678 4.401 75 61 .077 .780 .902 .999 1.077 1.147 1.223 1.323 1.465 1.667 1.946 2.315 2.785 3.362 4.049 4.861 76 62 .083 .852 .985 1.092 1.177 1.254 1.338 1.447 1.602 1.823 2.128 2.534 3.053 3.693 4.458 5.371 77 63 .089 .933 1.077 1.192 1.284 1.367 1.457 1.576 1.745 1.987 2.324 2.772 3.345 4.054 4.903 5.937 78 64 .095 1.028 1.180 1.302 1.399 1.487 1.584 1.712 1.898 2.164 2.535 3.030 3.664 4.448 5.387 6.549 79 65 .102 1.128 1.291 1.420 1.524 1.618 1.723 1.865 2.069 2.363 2.772 3.318 4.017 4.881 5.916 7.192 80 66 .109 1.223 1.396 1.535 1.650 1.756 1.876 2.036 2.266 2.595 3.051 3.659 4.439 5.404 6.561 7.952 81 67 .117 1.312 1.494 1.647 1.778 1.905 2.049 2.238 2.501 2.871 3.380 4.054 4.918 5.988 7.274 8.796 82 68 .125 1.398 1.589 1.759 1.917 2.075 2.254 2.481 2.787 3.205 3.770 4.514 5.464 6.641 8.056 9.718 83 69 .134 1.487 1.686 1.878 2.068 2.267 2.493 2.769 3.125 3.597 4.222 5.037 6.075 7.362 8.912 10.787 84 70 .144 1.575 1.785 2.005 2.236 2.485 2.767 3.100 3.514 4.044 4.733 5.622 6.751 8.153 9.847 11.991 85 71 .154 1.713 1.945 2.187 2.441 2.716 3.025 3.391 3.846 4.429 5.187 6.165 7.403 8.954 10.822 13.188 86 72 .165 1.863 2.120 2.387 2.668 2.970 3.310 3.712 4.211 4.852 5.684 6.761 8.132 9.837 11.900 14.514 87 73 .176 2.026 2.307 2.600 2.908 3.240 3.613 4.054 4.602 5.304 6.219 7.403 8.912 10.792 13.067 16.066 88 74 .185 2.169 2.474 2.791 3.123 3.477 3.871 4.333 4.907 5.649 6.625 7.906 9.561 11.646 14.195 17.476 89 75 .193 2.283 2.606 2.942 3.293 3.666 4.081 4.570 5.179 5.969 7.011 8.382 10.155 12.389 15.120 18.641 90 19.634 91 20.655 92
MALE SMOKER PAGE 3 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .008 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15 1 .008 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16 2 .008 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17 3 .008 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18 4 .008 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19 5 .008 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20 6 .008 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 21 7 .008 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 22 8 .008 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 23 9 .008 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 24 10 .008 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 25 11 .008 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 26 12 .008 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .166 27 13 .008 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .166 .169 28 14 .008 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .166 .169 .174 29 15 .008 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .166 .169 .174 .178 30 16 .008 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .166 .169 .174 .178 .183 31 17 .008 .140 .140 .140 .153 .155 .158 .159 .161 .164 .166 .169 .174 .178 .183 .188 32 18 .008 .140 .140 .153 .155 .158 .159 .161 .164 .166 .169 .174 .178 .183 .188 .192 33 19 .008 .140 .153 .155 .158 .159 .161 .164 .166 .169 .174 .178 .183 .188 .194 .194 34 20 .008 .153 .155 .158 .159 .161 .164 .166 .169 .174 .178 .183 .188 .194 .200 .203 35 21 .009 .155 .158 .159 .161 .164 .166 .169 .174 .178 .183 .188 .194 .200 .203 .205 36 22 .009 .158 .159 .161 .164 .166 .169 .174 .178 .183 .188 .194 .200 .203 .205 .211 37 23 .009 .159 .161 .164 .166 .169 .174 .178 .183 .188 .194 .200 .203 .205 .211 .214 38 24 .009 .161 .164 .166 .169 .174 .178 .183 .188 .194 .200 .203 .205 .211 .214 .220 39 25 .010 .164 .166 .169 .174 .178 .183 .188 .194 .200 .203 .205 .211 .214 .220 .228 40 26 .010 .166 .169 .174 .178 .183 .188 .194 .200 .203 .205 .211 .214 .220 .228 .248 41 27 .011 .169 .174 .178 .183 .188 .194 .200 .205 .205 .205 .211 .214 .220 .228 .269 42 28 .011 .174 .178 .183 .188 .194 .200 .209 .211 .211 .214 .220 .228 .238 .251 .295 43 29 .012 .178 .183 .188 .194 .200 .209 .220 .223 .226 .231 .238 .248 .260 .276 .323 44 30 .013 .183 .188 .194 .200 .209 .220 .230 .230 .230 .237 .250 .265 .284 .304 .357 45 31 .013 .188 .194 .200 .209 .220 .234 .244 .244 .250 .262 .277 .294 .314 .337 .391 46 32 .014 .194 .200 .209 .220 .234 .251 .259 .266 .277 .291 .309 .328 .350 .374 .432 47 33 .016 .200 .209 .220 .234 .251 .271 .282 .293 .307 .324 .343 .366 .391 .417 .476 48 34 .017 .209 .220 .234 .251 .271 .295 .310 .324 .341 .362 .385 .410 .436 .463 .529 49 35 .018 .220 .234 .251 .271 .295 .321 .339 .356 .376 .399 .425 .454 .484 .515 .587 50 36 .020 .234 .251 .271 .295 .321 .348 .375 .394 .417 .443 .472 .504 .537 .572 .645 51 37 .021 .251 .271 .295 .321 .348 .378 .411 .435 .459 .488 .520 .555 .593 .632 .701 52 38 .023 .271 .295 .321 .348 .378 .411 .447 .478 .504 .534 .568 .607 .649 .694 .769 53 39 .025 .295 .321 .348 .378 .411 .447 .487 .520 .546 .577 .614 .658 .708 .766 .846 54 40 .027 .321 .348 .378 .411 .447 .487 .532 .566 .593 .627 .667 .716 .775 .843 .937 55 41 .030 .348 .378 .411 .447 .487 .532 .581 .611 .641 .679 .726 .784 .854 .936 1.056 56 42 .032 .378 .411 .447 .487 .532 .581 .627 .655 .690 .735 .790 .859 .942 1.040 1.190 57 43 .035 .411 .447 .487 .532 .581 .636 .668 .702 .744 .797 .863 .944 1.041 1.154 1.324 58 44 .037 .447 .487 .532 .581 .636 .676 .711 .754 .807 .872 .951 1.044 1.151 1.272 1.463 59 45 .040 .465 .519 .566 .609 .649 .692 .739 .796 .863 .943 1.037 1.144 1.264 1.397 1.606 60 46 .043 .500 .559 .611 .659 .704 .751 .804 .867 .942 1.031 1.134 1.251 1.382 1.525 1.743 61 47 .046 .534 .601 .660 .714 .765 .818 .877 .946 1.028 1.125 1.238 1.366 1.509 1.668 1.895 62 48 .049 .570 .647 .715 .776 .834 .894 .959 1.033 1.122 1.226 1.348 1.489 1.648 1.824 2.070 63 49 .053 .609 .697 .775 .845 .912 .978 1.048 1.129 1.223 1.335 1.467 1.620 1.796 1.995 2.265 64 50 .057 .652 .750 .838 .918 .992 1.065 1.141 1.227 1.328 1.447 1.590 1.759 1.954 2.177 2.474 65 51 .060 .694 .804 .902 .989 1.069 1.147 1.229 1.321 1.430 1.562 1.721 1.911 2.134 2.390 2.729 66 52 .065 .733 .854 .960 1.054 1.140 1.223 1.311 1.411 1.531 1.677 1.856 2.070 2.322 2.614 2.996 67 53 .068 .771 .901 1.014 1.11_ 1.203 1.291 1.385 1.494 1.626 1.789 1.989 2.230 2.515 2.845 3.299 68 54 .072 .810 .947 1.066 1.169 1.261 1.352 1.450 1.565 1.708 1.888 2.112 2.387 2.716 3.103 3.604 69 55 .076 .850 .996 1.120 1.225 1.320 1.414 1.518 1.645 1.804 2.007 2.261 2.572 2.945 3.381 3.926 70 56 .080 .906 1.066 1.193 1.302 1.399 1.496 1.607 1.743 1.918 2.141 2.421 2.764 3.173 3.652 4.258 71 57 .085 .972 1.137 1.273 1.386 1.486 1.587 1.704 1.852 2.043 2.289 2.598 2.975 3.424 3.947 4.631 72 58 .090 1.048 1.226 1.371 1.489 1.592 1.696 1.818 1.974 2.180 2.447 2.786 3.201 3.697 4.275 4.982 73 59 .096 1.135 1.330 1.485 1.610 1.718 1.827 1.958 2.128 2.354 2.648 3.016 3.464 3.991 4.598 5.363 74 60 .102 1.233 1.444 1.611 1.743 1.855 1.968 2.103 2.280 2.518 2.830 3.225 3.709 4.282 4.945 5.804 75 61 .108 1.338 1.566 1.745 1.884 2.001 2.116 2.252 2.434 2.681 3.010 3.435 3.962 4.597 5.341 6.286 76 62 .115 1.445 1.688 1.878 2.025 2.148 2.269 2.414 2.607 2.872 3.228 3.688 4.261 4.952 5.763 6.805 77 63 .121 1.567 1.820 2.018 2.170 2.297 2.423 2.576 2.783 3.069 3.454 3.953 4.577 5.329 6.211 7.367 78 64 .129 1.705 1.966 2.167 2.322 2.450 2.580 2.742 2.963 3.273 3.691 4.234 4.911 5.727 6.682 7.953 79 65 .136 1.849 2.117 2.323 2.481 2.614 2.751 2.924 3.164 3.500 3.954 4.542 5.274 6.153 7.180 8.543 80 66 .145 1.980 2.254 2.468 2.636 2.781 2.833 3.127 3.395 3.766 4.265 4.909 5.708 6.668 7.789 9.233 81 67 .152 2.094 2.373 2.600 2.786 2.956 3.139 3.367 3.672 4.084 4.630 5.328 6.192 7.228 8.440 9.973 82 68 .161 2.196 2.478 2.723 2.942 3.152 3.380 3.655 4.007 4.466 5.059 5.808 6.730 7.835 9.1_0 10.754 83 69 .171 2.295 2.580 2.848 3.107 3.371 3.658 3.992 4.399 4.908 5.547 6.343 7.317 8.485 9.857 11.639 84 70 .181 2.387 2.677 2.976 3.286 3.615 3.972 4.374 4.841 5.403 6.087 6.926 7.948 9.174 10.619 12.603 85 71 .191 2.549 2.858 3.180 3.515 3.871 4.256 4.689 5.192 5.793 6.528 7.422 8.514 9.825 11.369 13.487 86 72 .201 2.719 3.051 3.397 3.760 4.144 4.560 5.026 5.566 6.211 6.994 7.952 9.118 10.517 12.166 14.514 87 73 .208 2.895 3.264 3.643 4.033 4.441 4.878 5.363 5.923 6.594 7.418 8.440 9.701 11.237 13.067 16.066 88 74 .215 3.046 3.442 3.844 4.249 4.654 5.066 5.505 6.005 6.622 7.428 8.506 9.947 11.827 14.195 17.476 89 75 .222 3.150 3.563 3.976 4.386 4.788 5.191 5.615 6.105 6.725 7.563 8.723 10.312 12.425 15.120 18.641 90 19.634 91 20.655 92
MALE PREFERRED SMOKER PAGE 4 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .008 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15 1 .008 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16 2 .008 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17 3 .008 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18 4 .008 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19 5 .008 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20 6 .008 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 21 7 .008 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 22 8 .008 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 23 9 .008 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 24 10 .008 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 25 11 .008 .100 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 26 12 .008 .110 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .166 27 13 .008 .110 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .164 .169 28 14 .008 .120 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .164 .164 .170 29 15 .008 .120 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .164 .164 .164 .172 30 16 .008 .130 .140 .140 .140 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .172 31 17 .008 .140 .140 .140 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .172 32 18 .008 .140 .140 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .172 33 19 .008 .140 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .172 34 20 .008 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .172 35 21 .008 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .172 36 22 .008 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .172 37 23 .008 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .173 38 24 .009 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .184 39 25 .009 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .197 40 26 .009 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .177 .213 41 27 .009 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .166 .178 .194 .230 42 28 .010 .169 .169 .169 .169 .169 .169 .169 .169 .169 .169 .170 .181 .194 .211 .251 43 29 .010 .175 .175 .175 .175 .175 .175 .175 .175 .175 .175 .184 .196 .211 .232 .275 44 30 .011 .183 .183 .183 .183 .183 .183 .183 .183 .183 .183 .190 .208 .230 .255 .302 45 31 .012 .188 .193 .193 .193 .193 .193 .193 .193 .193 .194 .210 .230 .254 .281 .331 46 32 .012 .194 .200 .202 .202 .202 .202 .202 .202 .202 .215 .233 .256 .282 .312 .364 47 33 .013 .200 .209 .209 .209 .209 .209 .209 .210 .222 .238 .259 .284 .314 .347 .400 48 34 .014 .209 .216 .216 .216 .216 .216 .222 .232 .246 .265 .289 .317 .349 .385 .443 49 35 .015 .220 .224 .225 .226 .229 .233 .241 .253 .270 .291 .318 .350 .387 .427 .490 50 36 .016 .234 .238 .242 .245 .250 .256 .265 .279 .297 .322 .352 .388 .429 .474 .538 51 37 .018 .248 .255 .261 .266 .272 .280 .291 .306 .327 .354 .387 .427 .472 .523 .584 52 38 .019 .265 .276 .285 .292 .299 .308 .319 .335 .357 .386 .422 .466 .516 .574 .639 53 39 .021 .287 .299 .309 .318 .326 .335 .347 .363 .385 .416 .455 .504 .563 .632 .702 54 40 .023 .309 .324 .335 .345 .354 .364 .376 .393 .417 .450 .493 .548 .615 .695 .776 55 41 .025 .339 .355 .368 .378 .386 .395 .407 .424 .450 .486 .535 .598 .677 .771 .874 56 42 .026 .342 .375 .389 .400 .410 .420 .433 .453 .483 .525 .582 .655 .746 .856 .982 57 43 .028 .344 .377 .395 .422 .433 .445 .461 .484 .519 .568 .634 .719 .824 .949 1.092 58 44 .029 .346 .378 .401 .426 .443 .469 .490 .520 .563 .622 .699 .795 .910 1.045 1.205 59 45 .031 .348 .379 .406 .429 .450 .474 .505 .545 .600 .671 .761 .870 .999 1.148 1.322 60 46 .033 .373 .408 .438 .463 .487 .514 .548 .594 .654 .733 .832 .951 1.091 1.252 1.434 61 47 .035 .397 .437 .471 .500 .528 .558 .596 .646 .712 .799 .907 1.037 1.191 1.368 1.557 62 48 .038 .422 .468 .508 .542 .574 .608 .650 .704 .776 .869 .986 1.130 1.299 1.496 1.700 63 49 .041 .449 .502 .548 .588 .625 .663 .709 .767 .844 .944 1.071 1.228 1.416 1.635 1.859 64 50 .044 .478 .538 .590 .636 .678 .720 .770 .8_2 .914 1.022 1.160 1.332 1.539 1.783 2.029 65 51 .047 .509 .577 .635 .685 .730 .775 .827 .894 .983 1.101 1.254 1.446 1.680 1.957 2.236 66 52 .050 .536 .611 .674 .728 .776 .824 .880 .953 1.050 1.180 1.350 1.565 1.827 2.139 2.454 67 53 .052 .563 .643 .711 .767 .818 .869 .928 1.007 1.113 1.257 1.446 1.685 1.978 2.327 2.700 68 54 .055 .589 .675 .746 .804 .855 .907 .969 1.052 1.166 1.324 1.533 1.802 2.135 2.536 2.947 69 55 .058 .618 .709 .783 .842 .894 .947 1.013 1.103 1.230 1.405 1.639 1.940 2.314 2.762 3.208 70 56 .061 .656 .754 .832 .893 .946 1.000 1.070 1.167 1.305 1.498 1.755 2.084 2.492 2.982 3.477 71 57 .065 .701 .805 .886 .949 1.003 1.060 1.133 1.238 1.389 1.600 1.882 2.242 2.688 3.221 3.779 72 58 .069 .753 .865 .952 1.017 1.072 1.130 1.206 1.317 1.480 1.709 2.016 2.411 2.901 3.487 4.063 73 59 .074 .812 .935 1.028 1.097 1.155 1.216 1.298 1.419 1.598 1.849 2.183 2.608 3.130 3.749 4.371 74 60 .078 .879 1.012 1.112 1.186 1.245 1.307 1.392 1.518 1.707 1.973 2.332 2.791 3.356 4.030 4.727 75 61 .083 .950 1.095 1.202 1.279 1.340 1.403 1.487 1.617 1.813 2.095 2.480 2.979 3.601 4.350 5.116 76 62 .088 1.024 1.177 1.291 1.373 1.437 1.502 1.592 1.730 1.940 2.244 2.659 3.201 3.876 4.691 5.534 77 63 .093 1.106 1.266 1.385 1.469 1.534 1.602 1.696 1.843 2.070 2.398 2.849 3.486 4.169 5.052 5.986 78 64 .099 1.200 1.365 1.485 1.569 1.634 1.703 1.803 1.961 2.205 2.561 3.049 3.684 4.477 5.431 6.456 79 65 .105 1.297 1.466 1.589 1.674 1.741 1.814 1.920 2.091 2.356 2.741 3.269 3.954 4.807 5.833 6.929 80 66 .111 1.383 1.557 1.684 1.774 1.848 1.930 2.050 2.240 2.531 2.953 3.528 4.275 5.204 6.322 7.481 81 67 .117 1.458 1.635 1.769 1.872 1.961 2.061 2.203 2.420 2.742 3.202 3.826 4.633 5.637 6.845 8.073 82 68 .123 1.525 1.703 1.850 1.972 2.086 2.216 2.390 5.639 2.997 3.497 4.167 5.031 6.105 7.397 8.696 83 69 .130 1.590 1.770 1.930 2.079 2.227 2.395 2.607 2.895 3.291 3.830 4.545 5.463 6.604 7.980 9.399 84 70 .137 1.650 1.833 2.013 2.194 2.384 2.597 2.854 3.184 3.621 4.200 4.958 5.927 7.132 8.587 10.165 85 71 .144 1.757 1.953 2.147 2.342 2.548 2.779 3.056 3.411 3.878 4.498 5.308 6.343 7.631 9.186 10.865 86 72 .152 1.868 2.079 2.289 2.501 2.724 2.973 3.272 3.653 4.153 4.815 5.680 6.785 8.160 9.821 11.607 87 73 .160 1.984 2.218 2.447 2.677 2.917 3.183 3.501 3.905 4.437 5.141 6.061 7.238 8.703 10.474 12.590 88 74 .166 2.083 2.332 2.576 2.81_ 3.058 3.321 3.629 4.020 4.545 5.206 6.226 7.502 9.1_6 11.157 13.666 89 75 .171 2.151 2.412 2.662 2.904 3.142 3.393 3.685 4.061 4.582 5.318 6.347 7.744 9.572 11.869 14.553 90 15.304 91 16.078 92 17.110 93
FEMALE PREFERRED NON-SMOKER PAGE 5 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .008 .120 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15 1 .008 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16 2 .008 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17 3 .008 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18 4 .008 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19 5 .008 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20 6 .008 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .121 21 7 .008 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .121 .121 22 8 .___ .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .121 .121 .121 23 9 .008 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .121 .121 .121 .121 24 10 .008 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .121 .121 .121 .121 .121 25 11 .008 .090 .100 .100 .110 .110 .120 .120 .120 .120 .121 .121 .121 .121 .121 .121 26 12 .008 .100 .100 .110 .110 .120 .120 .120 .120 .121 .121 .121 .121 .121 .121 .121 27 13 .008 .100 .110 .110 .120 .120 .120 .120 .121 .121 .121 .121 .121 .121 .121 .121 28 14 .008 .110 .110 .120 .120 .120 .120 .121 .121 .121 .121 .121 .121 .121 .121 .121 29 15 .008 .110 .120 .120 .120 .120 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 30 16 .008 .120 .120 .120 .120 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 31 17 .008 .120 .120 .120 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 32 18 .008 .120 .120 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 33 19 .008 .120 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 34 20 .008 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 35 21 .008 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 36 22 .008 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 37 23 .008 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 38 24 .008 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 39 25 .008 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 40 26 .008 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 .121 41 27 .008 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 .122 42 28 .008 .124 .124 .124 .124 .124 .124 .124 .124 .124 .124 .124 .124 .124 .124 .124 43 29 .008 .127 .127 .127 .127 .127 .127 .127 .127 .127 .127 .127 .127 .127 .127 .131 44 30 .008 .130 .130 .130 .130 .130 .130 .130 .130 .130 .130 .130 .130 .130 .130 .139 45 31 .008 .135 .135 .135 .135 .135 .135 .135 .135 .135 .135 .135 .135 .135 .135 .149 46 32 .008 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .160 47 33 .008 .144 .144 .144 .144 .144 .144 .144 .144 .144 .144 .144 .144 .144 .144 .172 48 34 .008 .148 .148 .148 .148 .148 .148 .148 .148 .148 .148 .148 .148 .148 .152 .187 49 35 .008 .153 .153 .153 .153 .153 .153 .153 .153 .153 .153 .153 .153 .156 .167 .204 50 36 .009 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .168 .181 .218 51 37 .009 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .163 .169 .181 .196 .232 52 38 .010 .170 .170 .170 .170 .170 .170 .170 .170 .170 .170 .170 .180 .194 .211 .250 53 39 .010 .178 .178 .178 .178 .178 .178 .178 .178 .178 .178 .178 .191 .208 .230 .270 54 40 .011 .186 .186 .186 .186 .186 .186 .186 .186 .186 .186 .188 .204 .224 .250 .294 55 41 .011 .188 .188 .188 .188 .188 .189 .190 .206 .206 .206 .206 .219 .243 .272 .322 56 42 .012 .190 .190 .190 .190 .190 .192 .193 .208 .214 .214 .215 .236 .263 .297 .353 57 43 .012 .192 .192 .192 .192 .192 .194 .196 .209 .221 .221 .232 .256 .287 .324 .384 58 44 .013 .194 .194 .194 .194 .194 .196 .199 .210 .223 .231 .252 .279 .312 .351 .415 59 45 .014 .196 .196 .196 .196 .196 .198 .202 .211 .224 .243 .268 .300 .337 .380 .447 60 46 .015 .201 .205 .207 .208 .209 .212 .217 .228 .243 .266 .294 .330 .372 .420 .490 61 47 .016 .209 .214 .217 .220 .222 .226 .234 .246 .265 .290 .323 .363 .410 .464 .538 62 48 .017 .218 .224 .229 .233 .237 .243 .252 .266 .287 .316 .352 .398 .451 .513 .594 63 49 .018 .227 .236 .243 .249 .254 .262 .272 .288 .311 .343 .384 .435 .496 .567 .657 64 50 .020 .237 .248 .257 .265 .272 .281 .293 .311 .336 .371 .417 .474 .544 .627 .728 65 51 .021 .252 .265 .276 .285 .294 .303 .317 .336 .363 .402 .453 .518 .597 .692 .804 66 52 .023 .263 .279 .291 .302 .312 .323 .338 .360 .391 .434 .492 .565 .655 .762 .886 67 53 .024 .274 .292 .306 .318 .330 .342 .359 .384 .418 .467 .531 .613 .714 .835 .972 68 54 .026 .286 .305 .321 .334 .346 .361 .379 .407 .446 .501 .573 .665 .777 .912 1.060 69 55 .027 .298 .319 .337 .351 .364 .379 .400 .431 .475 .536 .617 .720 .845 .995 1.153 70 56 .029 .317 .341 .360 .375 .389 .406 .429 .463 .512 .580 .670 .784 .923 1.087 1.263 71 57 .032 .338 .365 .386 .403 .418 .436 .461 .499 .554 .629 .729 .855 1.008 1.190 1.388 72 58 .034 .363 .394 .418 .436 .452 .471 .498 .539 .599 .682 .792 .932 1.103 1.305 1.531 73 59 .037 .391 .427 .453 .473 .490 .509 .537 .580 .643 .734 .856 1.013 1.207 1.440 1.691 74 60 .040 .422 .462 .492 .514 .533 .553 .583 .629 .699 .799 .935 1.110 1.328 1.590 1.867 75 61 .043 .457 .502 .535 .559 .578 .600 .633 .684 .762 .876 1.031 1.232 1.483 1.785 2.109 76 62 .047 .493 .543 .579 .605 .626 .650 .685 .742 .829 .958 1.135 1.366 1.655 2.003 2.382 77 63 .051 .534 .588 .627 .654 .676 .701 .740 .803 .902 1.048 1.249 1.513 1.844 2.244 2.669 78 64 .055 .581 .638 .679 .707 .730 .758 .802 .875 .990 1.157 1.386 1.683 2.051 2.494 2.985 79 65 .059 .630 .691 .734 .764 .789 .819 .868 .950 1.078 1.265 1.521 1.854 2.269 2.768 3.322 80 66 .063 .674 .739 .785 .819 .847 .883 .940 1.033 1.180 1.393 1.686 2.068 2.546 3.123 3.748 81 67 .068 .715 .783 .835 .874 .910 .955 1.024 1.134 1.301 1.544 1.876 2.311 2.856 3.517 4.225 82 68 .073 .754 .825 .883 .933 .981 1.040 1.125 1.254 1.446 1.721 2.096 2.587 3.204 3.954 4.752 83 69 .079 .794 .868 .934 .997 1.061 1.139 1.244 1.396 1.616 1.925 2.345 2.895 3.589 4.436 5.361 84 70 .084 .833 .911 .988 1.065 1.150 1.250 1.380 1.558 1.808 2.156 2.625 3.239 4.016 4.966 6.052 85 71 .091 .894 .981 1.066 1.151 1.243 1.351 1.493 1.691 1.971 2.363 2.896 3.598 4.489 5.581 6.834 86 72 .097 .961 1.058 1.151 1.244 1.343 1.460 1.615 1.834 2.148 2.590 3.197 3.998 5.018 6.272 7.716 87 73 .104 1.032 1.139 1.242 1.342 1.448 1.575 1.744 1.985 2.335 2.834 3.521 4.433 5.600 7.037 8.759 88 74 .110 1.094 1.211 1.322 1.427 1.537 1.666 1.839 2.092 2.467 3.012 3.779 4.812 6.150 7.814 9.775 89 75 .115 1.142 1.267 1.382 1.491 1.603 1.735 1.917 2.187 2.593 3.190 4.035 5.179 6.663 8.511 10.697 90 11.217 91 11.752 92
FEMALE NON-SMOKER PAGE 6 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .008 .120 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15 1 .008 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16 2 .008 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17 3 .008 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .l00 .110 .110 .120 .120 18 4 .008 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19 5 .008 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20 6 .008 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .131 21 7 .008 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .131 .131 22 8 .008 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .131 .131 .131 23 9 .008 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .131 .131 .131 .131 24 10 .008 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .131 .131 .131 .131 .131 25 11 .008 .090 .100 .100 .110 .110 .120 .120 .120 .120 .131 .131 .131 .131 .131 .131 26 12 .008 .100 .100 .110 .110 .120 .120 .120 .120 .131 .131 .131 .131 .131 .131 .131 27 13 .008 .100 .110 .110 .120 .120 .120 .120 .131 .131 .131 .131 .131 .131 .131 .131 28 14 .008 .110 .110 .120 .120 .120 .120 .131 .131 .131 .131 .131 .131 .131 .131 .131 29 15 .008 .110 .120 .120 .120 .120 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 30 16 .008 .120 .120 .120 .120 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 31 17 .008 .120 .120 .120 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .111 .131 32 18 .008 .120 .120 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 33 19 .008 .120 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 34 20 .008 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 35 21 .008 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 36 22 .008 .131 .131 .13l .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 37 23 .008 .131 .131 .131 .13l .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 38 24 .008 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 39 25 .008 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 40 26 .008 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 41 27 .008 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 .131 42 28 .008 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .133 .140 43 29 .008 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .149 44 30 .008 .141 .141 .141 .141 .141 .141 .141 .141 .141 .141 .141 .141 .141 .141 .160 45 31 .008 .147 .147 .147 .147 .147 .147 .147 .147 .147 .147 .147 .147 .147 .147 .172 46 32 .008 .153 .153 .153 .153 .153 .153 .153 .153 .153 .153 .153 .153 .153 .153 .186 47 33 .008 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .165 .201 48 34 .009 .162 .162 .162 .162 .162 .162 .162 .162 .162 .162 .162 .162 .170 .182 .219 49 35 .009 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .176 .187 .200 .240 50 36 .010 .173 .173 .173 .173 .173 .173 .173 .173 .173 .173 .179 .190 .203 .218 .258 51 37 .010 .180 .180 .180 .180 .180 .180 .180 .180 .180 .182 .192 .205 .219 .236 .276 52 38 .011 .188 .188 .188 .188 .188 .188 .188 .188 .188 .194 .205 .219 .236 .256 .298 53 39 .012 .198 .198 .198 .198 .198 .198 .198 .198 .198 .205 .218 .234 .254 .279 .323 54 40 .013 .207 .207 .207 .207 .207 .207 .207 .207 .209 .218 .232 .251 .275 .304 .353 55 41 .013 .209 .211 .212 .229 .229 .229 .229 .229 .229 .234 .249 .271 .298 .332 .388 56 42 .014 .211 .215 .217 .231 .239 .239 .239 .239 .239 .251 .269 .294 .325 .363 .428 57 43 .015 .213 .219 .222 .233 .240 .244 .249 .249 .256 .270 .292 .320 .355 .397 .466 58 44 .016 .215 .222 .227 .235 .241 .247 .257 .264 .276 .294 .319 .350 .388 .431 .505 59 45 .016 .217 .225 .232 .237 .242 .249 .258 .271 .289 .313 .343 .378 .420 .467 .545 60 46 .018 .231 .240 .247 .253 .259 .267 .278 .293 .315 .342 .377 .417 .464 .517 .599 61 47 .019 .241 .252 .261 .268 .276 .234 .300 .318 .343 .375 .414 .460 .513 .572 .659 62 48 .020 .251 .265 .276 .286 .297 .309 .324 .345 .373 .409 .453 .505 .565 .633 .729 63 49 .022 .263 .279 .294 .307 .319 .334 .352 .375 .406 .445 .494 .553 .622 .701 .808 64 50 .024 .275 .295 .312 .328 .343 .360 .380 .406 .439 .483 .537 .604 .683 .775 .896 65 51 .026 .294 .317 .337 .355 .373 .391 .413 .441 .478 .526 .586 .661 .751 .857 .992 66 52 .027 .308 .335 .358 .379 .399 .420 .445 .476 .517 .571 .639 .723 .825 .944 1.094 67 53 .029 .323 .353 .179 .402 .424 .448 .475 .510 .556 .616 .693 .787 .901 1.036 1.203 68 54 .031 .338 .371 .400 .425 .449 .474 .505 .544 .596 .663 .749 .855 .982 1.132 1.313 69 55 .034 .355 .391 .422 .449 .475 .502 .536 .580 .638 .713 .809 .928 1.070 1.236 1.429 70 56 .036 .3__ .419 .453 .482 .509 .539 .576 .625 .689 .774 .880 1.012 1.169 1.352 1.567 71 57 .039 .407 .452 .489 .520 .549 .581 .621 .674 .746 .839 .958 1.103 1.278 1.481 1.724 72 58 .042 .440 .490 .531 .565 .596 .630 .672 .730 .809 .912 1.043 1.205 1.398 1.624 1.904 73 59 .045 .477 .534 .579 .616 .648 .683 .727 .787 .871 .982 1.128 1.310 1.532 l.794 2.105 74 60 .049 .519 .582 .632 .672 .707 .745 .792 .857 .948 1.072 1.234 1.438 1.687 1.983 2.326 75 61 .053 .564 .635 .690 .733 .771 .810 .861 .934 1.036 1.177 1.363 1.598 1.886 2.228 2.631 76 62 .058 .612 .689 .750 .797 .837 .880 .935 1.015 1.130 1.289 1.501 1.772 2.105 2.502 2.974 77 63 .062 .667 .750 .815 .864 .907 .952 1.013 1.102 1.231 1.412 1.655 1.965 2.348 2.805 3.336 78 64 .067 .729 .818 .885 .937 .981 1.031 1.100 1.203 1.353 1.561 1.837 2.187 2.614 3.119 3.735 79 65 .072 .796 .890 .961 1.015 1.063 1.117 1.193 1.307 1.474 1.708 2.018 2.412 2.894 3.465 4.160 80 66 .078 .857 .956 1.033 1.092 1.146 1.208 1.296 1.426 1.617 1.884 2.239 2.692 3.249 3.913 4.699 81 67 .084 .914 1.018 1.102 1.170 1.236 1.312 1.417 1.569 1.788 2.091 2.495 3.011 3.648 4.409 5.302 82 68 .090 .969 1.077 1.170 1.253 1.336 1.433 1.560 1.739 1.990 2.334 2.789 3.372 4.094 4.961 5.971 83 69 .097 1.025 1.137 1.242 1.343 1.450 1.573 1.729 1.939 2.226 2.614 3.125 3.779 4.592 5.572 6.746 84 70 .104 1.080 1.197 1.316 1.440 1.575 1.731 1.922 2.168 2.495 2.931 3.501 4.232 5.142 6.244 7.627 85 71 .111 1.165 1.295 1.427 1.562 1.708 1.877 2.086 2.359 2.726 3.218 3.869 4.707 5.754 7.026 8.626 86 72 .119 1.258 1.402 1.546 1.693 1.851 2.033 2.262 2.564 2.975 3.533 4.274 5.234 6.440 7.907 9.755 87 73 .127 1.357 1.516 1.672 1.831 2.001 2.199 2.448 2.783 3.242 3.872 4.715 5.812 7.194 8.881 11.096 88 74 .134 1.___ 1.616 1.784 1.952 2.128 2.331 2.588 2.940 3.433 4.124 5.067 6.315 7.910 9.876 12.407 89 75 .141 1.511 1.694 1.870 2.043 2.224 2.433 2.704 3.079 3.615 4.373 5.416 6.802 8.578 10.771 13.604 90 14.277 91 14.974 92
FEMALE SMOKER PAGE 7 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .008 .120 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15 1 .008 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16 2 .008 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17 3 .008 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18 4 .008 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19 5 .008 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20 6 .008 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .153 21 7 .008 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .153 .155 22 8 .008 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .153 .155 .155 23 9 .008 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .153 .155 .158 .158 24 10 .008 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .153 .155 .158 .159 .159 25 11 .008 .090 .100 .100 .110 .110 .120 .120 .120 .120 .153 .155 .158 .159 .161 .161 26 12 .008 .100 .100 .110 .110 .120 .120 .120 .120 .153 .155 .158 .159 .161 .164 .164 27 13 .008 .100 .110 .110 .120 .120 .120 .120 .153 .155 .158 .159 .161 .164 .164 .164 28 14 .008 .110 .110 .120 .120 .120 .120 .153 .155 .158 .159 .161 .164 .164 .164 .164 29 15 .008 .110 .120 .120 .120 .120 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 30 16 .008 .120 .120 .120 .120 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 31 17 .008 .120 .120 .120 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 32 18 .008 .120 .120 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 33 19 .008 .120 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 34 20 .008 .153 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 35 21 .008 .155 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 36 22 .008 .158 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 37 23 .008 .159 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 38 24 .008 .161 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .164 .173 39 25 .008 .164 .165 .165 .165 .165 .165 .165 .165 .165 .165 .165 .165 .165 .165 .187 40 26 .009 .165 .165 .165 .165 .165 .165 .165 .165 .165 .165 .165 .165 .165 .165 .202 41 27 .009 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .172 .181 .217 42 28 .009 .173 .173 .173 .173 .173 .173 .173 .173 .173 .173 .174 .180 .188 .197 .237 43 29 .010 .178 .181 .181 .181 .181 .181 .181 .181 .181 .184 .188 .195 .204 .216 .258 44 30 .011 .183 .188 .192 .192 .192 .192 .192 .192 .192 .192 .196 .208 .222 .237 .283 45 31 .011 .188 .194 .200 .205 .205 .205 .205 .205 .205 .208 .219 .231 .246 .262 .308 46 32 .012 .194 .200 .209 .218 .218 .218 .218 .218 .223 .232 .244 .258 .273 .290 .338 47 33 .013 .200 .209 .220 .229 .229 .229 .232 .239 .247 .259 .272 .287 .304 .323 .370 48 34 .014 .209 .220 .234 .243 .246 .250 .257 .266 .277 .290 .306 .322 .340 .357 .409 49 35 .015 .220 .234 .251 .262 .268 .274 .283 .293 .306 .322 .339 .357 .377 .396 .452 50 36 .016 .234 .251 .271 .281 .289 .297 .307 .318 .333 .349 .368 .388 .410 .432 .488 51 37 .017 .251 .271 .293 .302 .311 .321 .332 .345 .360 .378 .398 .420 .444 .469 .521 52 38 .019 .271 .295 .316 .327 .337 .347 .358 .372 .387 .406 .427 .451 .477 .505 .561 53 39 .020 .295 .321 .338 .350 .361 .371 .383 .396 .411 .430 .452 .479 .511 .547 .605 54 40 .021 .321 .346 .361 .374 .385 .396 .407 .421 .436 .456 .481 .511 .548 .591 .657 55 41 .023 .348 .378 .396 .409 .420 .429 .440 .452 .468 .489 .516 .549 .590 .638 .718 56 42 .024 .352 .383 .419 .433 .444 .455 .467 .481 .499 .523 .553 .590 .636 .690 .783 57 43 .025 .356 .388 .422 .440 .467 .480 .493 .510 .531 .559 .593 .635 .686 .745 .843 58 44 .027 .360 .393 .425 .447 .473 .502 .520 .541 .569 .602 .642 .688 .740 .797 .899 59 45 .028 .364 .398 .428 .454 .478 .503 .531 .562 .598 .639 .686 .736 .791 .848 .953 60 46 .030 .386 .423 .455 .483 .510 .538 .568 .603 .644 .691 .742 .798 .858 .921 1.032 61 47 .031 .406 .447 .482 .514 .545 .575 .609 .647 .692 .742 .800 .862 .930 1.003 1.119 62 48 .034 .426 .473 .514 .551 .585 .619 .655 .697 .744 .799 .862 .931 1.008 1.092 1.219 63 49 .036 .448 .501 .548 .589 .628 .665 .705 .749 .800 .858 .926 1.004 1.091 1.188 1.330 64 50 .038 .472 .530 .582 .628 .671 .712 .754 .800 .854 .917 .991 1.078 1.177 1.290 1.450 65 51 .041 .499 .565 .623 .675 .721 .764 .809 .858 .915 .982 1.064 1.160 1.271 1.399 1.577 66 52 .043 .524 .596 .660 .715 .765 .811 .859 .912 .975 1.049 1.139 1.245 1.369 1.512 1.707 67 53 .046 .547 .625 .693 .751 .803 .853 .905 .963 1.031 1.113 1.213 1.330 1.468 1.625 1.839 68 54 .048 .570 .653 .724 .785 .839 .892 .947 1.010 1.086 1.177 1.287 1.417 1.567 1.739 1.966 69 55 .050 .595 .683 .757 .820 .876 .931 .990 1.058 1.141 1.242 1.363 1.506 1.671 1.859 2.094 70 56 .054 .634 .728 .806 .871 .929 .985 1.047 1.121 1.211 1.321 1.453 1.609 1.787 1.989 2.247 71 57 .057 .679 .778 .859 .926 .986 1.044 1.110 1.189 1.286 1.406 1.549 1.718 1.911 2.129 2.414 72 58 .061 .729 .836 .923 .993 1.054 1.115 1.182 1.265 1.369 1.497 1.652 1.835 2.044 2.280 2.604 73 59 .065 .787 .905 .998 1.072 1.135 1.194 1.260 1.342 1.448 1.582 1.749 1.950 2.187 2.459 2.808 74 60 .069 .852 .979 1.079 1.157 1.221 1.281 1.349 1.435 1.546 1.690 1.871 2.091 2.351 2.649 3.046 75 61 .074 .921 1.058 1.164 1.245 1.310 1.370 1.438 1.526 1.645 1.803 2.006 2.260 2.564 2.921 3.380 76 62 .079 .992 1.137 1.249 1.333 1.400 1.462 1.533 1.629 1.760 1.938 2.169 2.458 2.807 3.217 3.746 77 63 .084 1.071 1.223 1.339 1.424 1.491 1.554 1.630 1.734 1.881 2.082 2.344 2.673 3.070 3.535 4.118 78 64 .090 1.162 1.317 1.433 1.518 1.585 1.651 1.735 1.854 2.023 2.252 2.549 2.915 3.349 3.851 4.514 79 65 .096 1.253 1.415 1.532 1.617 1.685 1.754 1.844 1.975 2.161 2.416 2.744 3.150 3.631 4.188 4.920 80 66 .102 1.339 1.501 1.622 1.711 1.784 1.862 1.966 2.115 2.327 2.615 2.986 3.445 3.992 4.626 5.433 81 67 .108 1.412 1.575 1.701 1.801 1.888 1.984 2.108 2.282 2.523 2.846 3.261 3.774 4.386 5.098 5.991 82 68 .114 1.476 1.639 1.774 1.891 2.002 2.125 2.278 2.482 2.755 3.115 3.572 4.137 4.813 5.605 6.588 83 69 .121 1.538 1.700 1.848 1.988 2.129 2.286 2.475 2.714 3.022 3.418 3.918 4.534 5.275 6.146 7.262 84 70 .128 1.594 1.756 1.920 2.089 2.268 2.466 2.696 2.974 3.320 3.755 4.297 4.964 5.769 6.719 8.003 85 71 .135 1.693 1.837 2.042 2.223 2.414 2.625 2.873 3.176 3.557 4.038 4.644 5.392 6.299 7.371 8.815 86 72 .143 1.796 1.982 2.170 2.362 2.566 2.792 3.059 3.389 3.807 4.341 5.016 5.854 6.872 8.079 9.755 87 73 .151 1.902 2.110 2.314 2.518 2.730 2.965 3.242 3.588 4.035 4.617 5.368 6.315 7.481 8.881 11.096 88 74 .157 1.991 2.215 2.431 2.637 2.840 3.051 3.293 3.602 4.023 4.615 5.439 6.559 8.027 9.876 12.407 89 75 .161 2.051 2.284 2.503 2.707 2.900 3.098 3.327 3.630 4.064 4.700 5.619 6.896 8.600 10.771 13.604 90 14.277 91 __.___ 92
FEMALE PREFERRED SMOKER PAGE 8 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .008 .120 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15 1 .008 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16 2 .008 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17 3 .008 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18 4 .008 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19 5 .008 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20 6 .008 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .136 21 7 .008 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .136 .136 22 8 .008 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .136 .136 .136 23 9 .008 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .136 .136 .136 .136 24 10 .008 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .136 .136 .136 .136 .136 25 11 .008 .090 .100 .100 .110 .110 .120 .120 .120 .120 .136 .136 .136 .136 .136 .136 26 12 .008 .100 .100 .110 .110 .120 .120 .120 .120 .136 .136 .136 .136 .136 .136 .136 27 13 .008 .100 .110 .110 .120 .120 .120 .120 .136 .136 .136 .136 .136 .136 .136 .136 28 14 .008 .110 .110 .120 .120 .120 .120 .136 .136 .136 .136 .136 .136 .136 .136 .136 29 15 .008 .110 .120 .120 .120 .120 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 30 16 .008 .120 .120 .120 .120 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 31 17 .008 .120 .120 .120 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 32 18 .008 .120 .120 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 33 19 .008 .120 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 34 20 .008 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 35 21 .008 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 36 22 .008 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 37 23 .008 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .142 38 24 .008 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .136 .152 39 25 .008 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .137 .163 40 26 .008 .138 .138 .138 .138 .138 .138 .138 .138 .138 .138 .138 .138 .138 .141 .175 41 27 .008 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .140 .142 .154 .188 42 28 .008 .144 .144 .144 .144 .144 .144 .144 .144 .144 .144 .144 .144 .154 .167 .204 43 29 .008 .150 .150 .150 .150 .150 .150 .150 .150 .150 .150 .150 .156 .168 .183 .222 44 30 .009 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .157 .165 .181 .200 .242 45 31 .009 .167 .167 .167 .167 .167 .167 .167 .167 .167 .167 .168 .182 .200 .220 .262 46 32 .010 .176 .176 .176 .176 .176 .176 .176 .176 .176 .176 .186 .202 .221 .243 .287 47 33 .011 .184 .184 .184 .184 .184 .184 .184 .184 .184 .192 .207 .225 .246 .270 .313 48 34 .011 .191 .191 .191 .191 .191 .191 .191 .192 .202 .215 .231 .251 .274 .298 .345 49 35 .012 .199 .199 .199 .199 .199 .200 .204 .211 .222 .237 .256 .278 .302 .330 .380 50 36 .013 .207 .209 .210 .211 .212 .215 .220 .228 .240 .256 .277 .301 .329 .359 .409 51 37 .014 .217 .220 .223 .225 .228 .231 .237 .246 .259 .277 .299 .325 .355 .389 .436 52 38 .015 .229 .235 .239 .242 .245 .249 .255 .264 .278 .296 .320 .348 .381 .419 .469 53 39 .016 .243 .250 .255 .259 .262 .266 .271 .280 .293 .312 .338 .369 .408 .453 .505 54 40 .017 .257 .265 .271 .275 .278 .282 .288 .297 .311 .331 .358 .393 .437 .489 .548 55 41 .018 .262 .291 .299 .302 .304 .306 .310 .319 .333 .354 .384 .422 .470 .528 .597 56 42 .019 .267 .293 .303 .318 .321 .324 .329 .338 .354 .378 .410 .453 .506 .570 .650 57 43 .020 .272 .295 .307 .321 .336 .340 .347 .358 .376 .403 .440 .487 .545 .615 .699 58 44 .021 .276 .297 .311 .324 .337 .346 .365 .380 .402 .434 .476 .527 .588 .658 .746 59 45 .021 .280 .299 .314 .327 .338 .352 .369 .391 .422 .460 .507 .563 .627 .699 .789 60 46 .023 .297 .317 .334 .348 .361 .376 .394 .420 .453 .496 .549 .610 .680 .759 .854 61 47 .024 .311 .334 .353 .369 .384 .400 .421 .449 .486 .533 .590 .658 .737 .826 .925 62 48 .026 .325 .352 .374 .393 .410 .429 .452 .482 .521 .572 .635 .710 .798 .898 1.006 63 49 .028 .341 .371 .397 .419 .439 .460 .485 .517 .559 .613 .682 .765 .863 .977 1.097 64 50 .029 .357 .392 .421 .445 .468 .490 .517 .550 .595 .653 .728 .820 .931 1.060 1.195 65 51 .031 .378 .417 .450 .477 .502 .526 .553 .589 .636 .699 .780 .882 1.005 1.149 1.299 66 52 .033 .396 .439 .475 .505 .531 .557 .587 .625 .677 .745 .835 .946 1.082 1.241 1.404 67 53 .035 .413 .459 .498 .529 .557 .584 .617 .658 .715 .790 .888 1.010 1.159 1.334 1.512 68 54 .037 .429 .479 .519 .552 .581 .610 .645 .690 .752 .835 .942 1.075 1.237 1.427 1.615 69 55 .039 .447 .500 .542 .576 .605 .636 .672 .722 .789 .880 .997 1.143 1.318 1.525 1.720 70 56 .041 .474 .531 .576 .611 .641 .672 .711 .764 .837 .935 1.062 1.220 1.409 1.630 1.844 71 57 .044 .506 .565 .612 .648 .679 .711 .752 .809 .888 .994 1.132 1.302 1.506 1.744 1.980 72 58 .047 .541 .606 .655 .693 .724 .757 .800 .859 .944 1.058 1.206 1.390 1.610 1.868 2.135 73 59 .050 .581 .653 .707 .746 .778 .809 .850 .910 .996 1.116 1.275 1.476 1.722 2.013 2.300 74 60 .053 .625 .703 .761 .803 .835 .867 .909 .970 1.062 1.191 1.363 1.582 1.850 2.168 2.494 75 61 .057 .674 .758 .819 .862 .894 .924 .965 1.029 1.125 1.266 1.458 1.707 2.017 2.389 2.765 76 62 .061 .722 .812 .877 .921 .953 .984 1.027 1.095 1.202 1.358 1.574 1.856 2.207 2.630 3.062 77 63 .065 .777 .871 .937 .981 1.013 1.044 1.089 1.163 1.282 1.457 1.700 2.017 2.413 2.888 3.364 78 64 .069 .840 .935 1.001 1.044 1.074 1.107 1.157 1.242 1.378 1.577 1.849 2.199 2.630 3.144 3.684 79 65 .073 .904 1.001 1.068 1.110 1.140 1.174 1.228 1.321 1.470 1.689 1.989 2.375 2.851 3.418 4.013 80 66 .078 .959 1.059 1.127 1.171 1.204 1.243 1.305 1.411 1.579 1.825 2.160 2.594 3.131 3.773 4.427 81 67 .083 1.007 1.107 1.179 1.229 1.271 1.320 1.396 1.519 1.709 1.984 2.357 2.840 3.438 4.155 4.878 82 68 .087 1.050 1.150 1.227 1.288 1.344 1.410 1.505 1.648 1.862 2.167 2.578 3.109 3.770 4.565 5.359 83 69 .093 1.091 1.190 1.275 1.351 1.426 1.514 1.631 1.799 2.040 2.375 2.824 3.405 4.128 5.002 5.901 84 70 .098 1.128 1.227 1.322 1.416 1.515 1.629 1.774 1.969 2.238 2.605 3.094 3.724 4.511 5.465 6.496 85 71 .104 1.193 1.300 1.403 1.503 1.603 1.730 1.885 2.098 2.392 2.798 3.340 4.042 4.922 5.989 7.147 86 72 .110 1.261 1.376 1.486 1.593 1.705 1.835 2.002 2.232 2.555 3.002 3.603 4.384 5.365 6.558 7.853 87 73 .116 1.331 1.460 1.580 1.694 1.811 1.948 2.125 2.372 2.723 3.213 3.876 4.741 5.832 7.161 8.759 88 74 .121 1.390 1.528 1.654 1.770 1.884 2.013 2.179 2.418 2.771 3.284 4.006 4.980 6.242 7.814 9.775 89 75 .125 1.429 1.574 1.702 1.815 1.920 2.035 2.188 2.424 2.774 3.319 4.112 5.213 6.670 8.511 10.697 90 11.217 91 _.___ 92
MALE PREFERRED SMOKER PAGE 3 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 --- ----- ----- ----- ----- ----- ----- ----- ----- ----- 0 .150 .140 .120 .120 .110 .110 .100 .100 .100 1 .140 .120 .120 .110 .110 .100 .100 .100 .100 2 .120 .120 .110 .110 .100 .100 .100 .100 .100 3 .120 .110 .110 .100 .100 .100 .100 .100 .100 4 .110 .110 .100 .100 .100 .100 .100 .100 .100 5 .110 .100 .100 .100 .100 .100 .100 .100 .110 6 .100 .100 .100 .100 .100 .100 .100 .110 .110 7 .100 .100 .100 .100 .100 .100 .110 .110 .120 8 .100 .100 .100 .100 .100 .110 .110 .120 .120 9 .100 .100 .100 .100 .110 .110 .120 .120 .130 10 .100 .100 .100 .110 .110 .120 .120 .130 .140 11 .100 .100 .110 .110 .120 .120 .130 .140 .140 12 .100 .110 .110 .120 .120 .130 .140 .140 .140 13 .110 .110 .120 .120 .130 .140 .140 .140 .118 14 .110 .120 .120 .130 .140 .140 .140 .118 .118 15 .120 .120 .130 .140 .140 .140 .118 .118 .118 16 .120 .130 .140 .140 .140 .118 .118 .118 .118 17 .130 .140 .140 .140 .069 .118 .118 .118 .118 18 .140 .140 .140 .069 .069 .118 .118 .118 .118 19 .140 .140 .069 .069 .069 .118 .118 .118 .118 20 .141 .069 .069 .069 .069 .118 .118 .118 .118 21 .069 .069 .069 .069 .069 .118 .118 .118 .118 22 .069 .069 .069 .069 .069 .118 .118 .118 .118 23 .069 .069 .069 .069 .069 .118 .118 .118 .118 24 .069 .069 .069 .069 .069 .120 .120 .120 .120 25 .069 .069 .069 .069 .069 .123 .123 .123 .123 26 .069 .069 .069 .069 .069 .131 .131 .131 .131 27 .069 .069 .069 .069 .069 .139 .139 .139 .139 28 .070 .070 .070 .070 .070 .148 .148 .148 .148 29 .073 .073 .073 .073 .073 .160 .160 .160 .160 30 .078 .078 .078 .078 .078 .173 .173 .173 .173 31 .085 .085 .085 .085 .085 .188 .188 .188 .188 32 .091 .091 .091 .091 .091 .205 .205 .205 .205 33 .097 .097 .097 .097 .097 .224 .224 .224 .224 34 .103 .103 .103 .103 .103 .243 .243 .243 .243 35 .110 .110 .110 .110 .110 .264 .264 .264 .264 36 .119 .119 .119 .119 .119 .285 .285 .285 .285 37 .128 .128 .128 .128 .128 .311 .311 .311 .311 38 .139 .139 .139 .139 .139 .339 .339 .339 .339 39 .149 .149 .149 .149 .149 .367 .367 .367 .367 40 .160 .160 .160 .160 .160 .394 .394 .394 .394 41 .178 .178 .178 .178 .178 .432 .432 .432 .432 42 .195 .195 .195 .195 .195 .472 .472 .472 .472 43 .213 .213 .213 .213 .213 .512 .512 .512 .512 44 .231 .231 .231 .231 .231 .552 .552 .552 .552 45 .251 .251 .251 .251 .251 .594 .594 .594 .594 46 .258 .258 .258 .258 .258 .643 .643 .643 .643 47 .281 .281 .281 .281 .281 .700 .700 .700 .700 48 .306 .306 .306 .306 .306 .767 .767 .767 .767 49 .334 .334 .334 .334 .334 .842 .842 .842 .842 50 .363 .363 .363 .363 .363 .919 .919 .919 .919 51 .394 .394 .394 .394 .394 .996 .996 .996 .996 52 .424 .424 .424 .424 .424 1.070 1.070 1.070 1.070 53 .454 .454 .454 .454 .454 1.138 1.138 1.138 1.138 54 .484 .484 .484 .484 .484 1.202 1.202 1.202 1.202 55 .515 .515 .515 .515 .515 1.266 1.266 1.266 1.266 56 .545 .545 .545 .545 .545 1.347 1.347 1.347 1.347 57 .584 .584 .584 .584 .584 1.428 1.428 1.428 1.428 58 .633 .633 .633 .633 .633 1.522 1.522 1.522 1.522 59 .690 .690 .690 .690 .690 1.628 1.628 1.628 1.628 60 .753 .753 .753 .753 .753 1.746 1.746 1.746 1.746 61 .821 .821 .821 .821 .821 1.870 1.870 1.870 1.870 62 .889 .889 .889 .889 .889 2.000 2.000 2.000 2.000 63 .961 .961 .961 .961 .961 2.127 2.127 2.127 2.127 64 1.037 1.037 1.037 1.037 1.037 2.254 2.254 2.254 2.254 65 1.114 1.114 1.114 1.114 1.114 2.394 2.394 2.394 2.394 66 1.191 1.191 1.191 1.191 1.191 2.570 2.570 2.570 2.570 67 1.263 1.263 1.263 1.263 1.263 2.783 2.783 2.783 2.783 68 1.331 1.331 1.331 1.331 1.331 3.044 3.044 3.044 3.044 69 1.400 1.400 1.400 1.400 1.400 3.353 3.353 3.353 3.353 70 1.467 1.467 1.467 1.467 1.467 3.702 3.702 3.702 3.702 71 1.574 1.574 1.574 1.574 1.574 3.970 3.970 3.970 3.970 72 1.689 1.689 1.689 1.689 1.689 4.255 4.255 4.255 4.255 73 1.810 1.810 1.810 1.810 1.810 4.550 4.550 4.550 4.550 74 1.909 1.909 1.909 1.909 1.909 4.788 4.788 4.788 4.788 75 1.976 1.976 1.976 1.976 1.976 4.949 4.949 4.949 4.949 [x] [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ------ ------ ------ ------ ------ -------- 0 .100 .100 .100 .100 .110 .110 .120 15 1 .100 .100 .100 .110 .110 .120 .120 16 2 .100 .100 .110 .110 .120 .120 .130 17 3 .100 .110 .110 .120 .120 .130 .140 18 4 .110 .110 .120 .120 .130 .140 .140 19 5 .110 .120 .120 .130 .140 .140 .140 20 6 .120 .120 .130 .140 .140 .140 .129 21 7 .120 .130 .140 .140 .140 .120 .129 22 8 .130 .140 .140 .140 .120 .120 .129 23 9 .140 .140 .140 .120 .120 .120 .129 24 10 .140 .140 .120 .120 .120 .120 .129 25 11 .140 .118 .120 .120 .120 .120 .129 26 12 .118 .118 .120 .120 .120 .120 .129 27 13 .118 .118 .120 .120 .120 .120 .130 28 14 .118 .118 .120 .120 .120 .120 .131 29 15 .118 .118 .120 .120 .120 .120 .133 30 16 .118 .118 .120 .120 .120 .120 .133 31 17 .118 .118 .120 .120 .120 .120 .133 32 18 .118 .118 .120 .120 .120 .121 .133 33 19 .118 .118 .120 .120 .121 .130 .134 34 20 .118 .118 .120 .121 .130 .142 .142 35 21 .118 .118 .121 .130 .142 .154 .154 36 22 .118 .118 .121 .133 .147 .162 .162 37 23 .118 .118 .125 .139 .155 .172 .172 38 24 .120 .121 .131 .148 .167 .186 .186 39 25 .123 .127 .141 .160 .182 .203 .203 40 26 .131 .138 .155 .176 .201 .226 .226 41 27 .139 .150 .170 .194 .222 .251 .251 42 28 .148 .165 .187 .213 .244 .275 .275 43 29 .160 .182 .206 .235 .268 .302 .302 44 30 .173 .203 .228 .259 .294 .333 .334 45 31 .188 .224 .253 .286 .325 .367 .368 46 32 .205 .249 .280 .317 .360 .406 .408 47 33 .224 .275 .310 .352 .400 .452 .455 48 34 .243 .302 .343 .391 .445 .503 .510 49 35 .264 .333 .377 .432 .494 .560 .571 50 36 .285 .362 .413 .475 .547 .622 .632 51 37 .311 .397 .453 .523 .604 .688 .692 52 38 .339 .433 .496 .571 .660 .757 .758 53 39 .367 .471 .568 .620 .718 .830 .832 54 40 .394 .510 .581 .670 .779 .908 .920 55 41 .432 .560 .639 .737 .859 1.006 1.035 56 42 .472 .615 .704 .813 .949 1.115 1.162 57 43 .512 .673 .776 .899 1.050 1.234 1.298 58 44 .552 .736 .855 .994 1.162 1.365 1.439 59 45 .594 .804 .969 1.098 1.286 1.507 1.585 60 46 .643 .875 1.026 1.205 1.407 1.646 1.724 61 47 .700 .953 1.120 1.315 1.538 1.802 1.878 62 48 .767 1.068 1.216 1.430 1.680 1.973 2.056 63 49 .842 1.126 1.318 1.554 1.832 2.159 2.254 64 50 .919 1.218 1.426 1.685 1.994 2.357 2.466 65 51 .996 1.319 1.548 1.835 2.182 2.592 2.725 66 52 1.070 1.423 1.676 1.993 2.380 2.838 2.996 67 53 1.138 1.530 1.810 2.159 2.583 3.093 3.279 68 54 1.202 1.639 1.950 2.331 2.795 3.354 3.557 69 55 1.266 1.752 2.095 2.514 3.018 3.633 3.849 70 56 1.347 1.872 2.246 2.696 3.238 3.903 4.146 71 57 1.428 1.996 2.401 2.888 3.474 4.191 4.478 72 58 1.522 2.125 2.562 3.091 3.727 4.509 4.820 73 59 1.628 2.262 2.731 3.304 4.002 4.852 5.192 74 60 1.746 2.408 2.907 3.531 4.294 5.220 5.622 75 61 1.870 2.564 3.099 3.773 4.608 5.639 6.092 76 62 2.000 2.734 3.305 4.036 4.964 6.086 6.598 77 63 2.127 2.909 3.522 4.332 5.342 6.560 7.146 78 64 2.254 3.094 3.770 4.647 5.742 7.058 7.716 79 65 2.394 3.316 4.044 4.989 6.169 7.586 8.291 80 66 2.570 3.588 4.380 5.405 6.686 8.233 8.963 81 67 2.783 3.914 4.768 5.869 7.247 8.924 9.684 82 68 3.044 4.305 5.217 6.388 7.854 9.656 10.445 83 69 3.353 4.757 5.724 6.956 8.500 10.429 11.304 84 70 3.702 5.265 6.283 7.568 9.184 11.236 12.243 85 71 3.970 5.643 6.732 8.108 9.835 12.033 13.103 86 72 4.255 6.04_ 7.209 8.678 10.527 12.879 14.016 87 73 4.550 6.460 7.701 9.269 11.238 13.751 15.102 88 74 4.788 6.785 8.084 9.725 11.787 14.552 16.285 89 75 4.949 6.991 8.323 10.002 12.257 15.378 17.218 90 17.972 91 __.___ 92
MALE PREFERRED NON-SMOKER PAGE 1 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 --- ----- ----- ----- ----- ----- ----- ----- ----- ----- 0 .150 .140 .120 .120 .110 .110 .100 .100 .100 1 .140 .120 .120 .110 .110 .100 .100 .100 .100 2 .120 .120 .110 .110 .100 .100 .100 .100 .100 3 .120 .110 .110 .100 .100 .100 .100 .100 .100 4 .110 .110 .100 .100 .100 .100 .100 .100 .100 5 .110 .100 .100 .100 .100 .100 .100 .100 .110 6 .100 .100 .100 .100 .100 .100 .100 .110 .110 7 .100 .100 .100 .100 .100 .100 .110 .110 .120 8 .100 .100 .100 .100 .100 .110 .110 .120 .120 9 .100 .100 .100 .100 .110 .110 .120 .120 .130 10 .100 .100 .100 .110 .110 .120 .120 .130 .135 11 .100 .100 .110 .110 .120 .120 .130 .135 .135 12 .100 .110 .110 .120 .120 .130 .135 .135 .135 13 .110 .110 .120 .120 .130 .135 .135 .135 .092 14 .110 .120 .120 .130 .135 .135 .135 .092 .092 15 .120 .120 .130 .135 .135 .135 .092 .092 .092 16 .120 .130 .135 .135 .135 .092 .092 .092 .092 17 .130 .135 .135 .135 .050 .092 .092 .092 .092 18 .135 .135 .135 .050 .050 .092 .092 .092 .092 19 .135 .135 .050 .050 .050 .092 .092 .092 .092 20 .135 .050 .050 .050 .050 .092 .092 .092 .092 21 .050 .050 .050 .050 .050 .092 .092 .092 .092 22 .050 .050 .050 .050 .050 .092 .092 .092 .092 23 .050 .050 .050 .050 .050 .092 .092 .092 .092 24 .050 .050 .050 .050 .050 .092 .092 .092 .092 25 .050 .050 .050 .050 .050 .093 .093 .093 .093 26 .050 .050 .050 .050 .050 .098 .098 .098 .098 27 .050 .050 .050 .050 .050 .101 .101 .101 .101 28 .050 .050 .050 .050 .050 .106 .106 .106 .106 29 .050 .050 .050 .050 .050 .112 .112 .112 .112 30 .050 .050 .050 .050 .050 .118 .118 .118 .118 31 .052 .052 .052 .052 .052 .124 .124 .124 .124 32 .054 .054 .054 .054 .054 .132 .132 .132 .132 33 .056 .056 .056 .056 .056 .141 .141 .141 .141 34 .059 .059 .059 .059 .059 .150 .150 .150 .150 35 .062 .062 .062 .062 .062 .160 .160 .160 .160 36 .066 .066 .066 .066 .066 .167 .167 .167 .167 37 .070 .070 .070 .070 .070 .180 .180 .180 .180 38 .074 .074 .074 .074 .074 .193 .193 .193 .193 39 .078 .078 .078 .078 .078 .207 .207 .207 .207 40 .082 .082 .082 .082 .082 .220 .220 .220 .220 41 .090 .090 .090 .090 .090 .240 .240 .240 .240 42 .098 .098 .098 .098 .098 .262 .262 .262 .262 43 .106 .106 .106 .106 .106 .284 .284 .284 .284 44 .115 .115 .115 .115 .115 .306 .306 .306 .306 45 .125 .125 .125 .125 .125 .331 .331 .331 .331 46 .120 .120 .120 .120 .120 .361 .361 .361 .361 47 .131 .131 .131 .131 .131 .396 .396 .396 .396 48 .1__ .144 .144 .144 .144 .4_7 .4_7 .4_7 .4_7 49 .158 .158 .158 .158 .158 .483 .483 .483 .483 50 .174 .174 .174 .174 .174 .533 .533 .533 .533 51 .191 .191 .191 .191 .191 .585 .585 .585 .585 52 .209 .209 .209 .209 .209 .637 .637 .637 .637 53 .227 .227 .227 .227 .227 .688 .688 .688 .688 54 .246 .246 .246 .246 .246 .738 .738 .738 .738 55 .267 .267 .267 .267 .267 .791 .791 .791 .791 56 .284 .284 .284 .284 .284 .861 .861 .861 .861 57 .311 .311 .311 .311 .311 .929 .929 .929 .929 58 .344 .344 .344 .344 .344 1.007 1.007 1.007 1.007 59 .383 .383 .383 .383 .383 1.097 1.097 1.097 1.097 60 .427 .427 .427 .427 .427 1.196 1.196 1.196 1.196 61 .475 .475 .475 .475 .475 1.303 1.303 1.303 1.303 62 .525 .525 .525 .525 .525 1.419 1.419 1.419 1.419 63 .579 .579 .579 .579 .579 1.568 1.568 1.568 1.568 64 .638 .638 .638 .638 .638 1.663 1.663 1.663 1.663 65 .701 .701 .701 .701 .701 1.802 1.802 1.802 1.802 66 .766 .766 .766 .766 .766 1.976 1.976 1.976 1.976 67 .831 .831 .831 .831 .831 2.183 2.183 2.183 2.183 68 .898 .898 .898 .898 .898 2.432 2.432 2.432 2.432 69 .967 .967 .967 .967 .967 2.725 2.725 2.725 2.725 70 1.039 1.039 1.039 1.039 1.039 3.059 3.059 3.059 3.059 71 1.141 1.141 1.141 1.141 1.141 3.342 3.342 3.342 3.342 72 1.253 1.253 1.253 1.253 1.253 3.649 3.649 3.649 3.649 73 1.373 1.373 1.373 1.373 1.373 3.979 3.979 3.979 3.979 74 1.479 1.479 1.479 1.479 1.479 4.274 4.274 4.274 4.274 75 1.563 1.563 1.563 1.563 1.563 4.515 4.515 4.515 4.515 [x] [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ------ ------ ------ ------ ------ -------- 0 .100 .100 .100 .100 .110 .110 .120 15 1 .100 .100 .100 .110 .110 .120 .120 16 2 .100 .100 .110 .110 .120 .120 .130 17 3 .100 .110 .110 .120 .120 .130 .135 18 4 .110 .110 .120 .120 .130 .135 .135 19 5 .110 .120 .120 .130 .135 .135 .135 20 6 .120 .120 .130 .135 .135 .135 .094 21 7 .120 .130 .135 .135 .135 .094 .094 22 8 .130 .135 .135 .135 .093 .094 .094 23 9 .135 .135 .135 .092 .093 .094 .094 24 10 .135 .135 .092 .092 .093 .094 .094 25 11 .135 .092 .092 .092 .093 .094 .094 26 12 .092 .092 .092 .092 .093 .094 .094 27 13 .092 .092 .092 .092 .093 .094 .094 28 14 .092 .092 .092 .092 .093 .094 .094 29 15 .092 .092 .092 .092 .093 .094 .094 30 16 .092 .092 .092 .092 .093 .094 .094 31 17 .092 .092 .092 .092 .093 .094 .094 32 18 .092 .092 .092 .092 .093 .094 .094 33 19 .092 .092 .092 .092 .093 .094 .094 34 20 .092 .092 .092 .092 .093 .094 .094 35 21 .092 .092 .092 .092 .093 .094 .094 36 22 .092 .092 .092 .092 .093 .094 .094 37 23 .092 .092 .092 .092 .093 .096 .096 38 24 .092 .092 .092 .092 .094 .101 .101 39 25 .093 .093 .093 .093 .101 .108 .108 40 26 .098 .098 .098 .100 .110 .119 .119 41 27 .101 .101 .101 .108 .119 .129 .129 42 28 .106 .106 .106 .116 .128 .140 .140 43 29 .112 .112 .115 .126 .138 .151 .151 44 30 .118 .118 .124 .136 .150 .164 .164 45 31 .124 .124 .135 .147 .162 .178 .178 46 32 .132 .135 .147 .161 .177 .196 .196 47 33 .141 .146 .160 .176 .196 .218 .218 48 34 .150 .158 .174 .195 .218 .242 .242 49 35 .160 .172 .191 .214 .241 .269 .269 50 36 .167 .185 .207 .234 .265 .297 .297 51 37 .180 .201 .226 .257 .293 .331 .331 52 38 .193 .218 .246 .280 .321 .368 .368 53 39 .207 .266 .267 .305 .353 .407 .407 54 40 .220 .254 .288 .332 .385 .450 .450 55 41 .240 .280 .319 .368 .429 .505 .514 56 42 .262 .310 .354 .409 .480 .568 .586 57 43 .284 .342 .394 .458 .538 .638 .665 58 44 .306 .377 .439 .514 .605 .716 .754 59 45 .331 .417 .489 .576 .679 .807 .848 60 46 .361 .460 .543 .641 .759 .900 .940 61 47 .396 .509 .601 .714 .846 1.003 1.044 62 48 .467 .561 .666 .792 .941 1.118 1.164 63 49 .483 .622 .736 .876 1.045 1.246 1.302 64 50 .533 .686 .811 .967 1.157 1.386 1.453 65 51 .585 .755 .895 1.0_2 1.290 1.552 1.639 66 52 .637 .829 .986 1.186 1.433 1.733 1.840 67 53 .688 .907 1.085 1.309 1.586 1.927 2.059 68 54 .768 .990 1.190 1.441 1.751 2.134 2.284 69 55 .791 1.077 1.304 1.585 1.931 2.362 2.528 70 56 .861 1.177 1.429 1.739 2.120 2.597 2.788 71 57 .929 1.281 1.560 1.903 2.326 2.854 3.086 72 58 1.007 1.393 1.702 2.083 2.553 3.145 3.406 73 59 1.097 1.515 1.854 2.278 2.807 3.467 3.764 74 60 1.196 1.648 2.019 2.493 3.086 3.825 4.157 75 61 1.303 1.795 2.203 2.728 3.395 4.211 4.595 76 62 1.419 1.958 2.406 2.991 3.727 4.634 5.080 77 63 1.568 2.133 2.628 3.272 4.089 5.096 5.619 78 64 1.663 2.324 2.865 3.578 4.483 5.597 6.201 79 65 1.802 2.537 3.132 3.918 4.917 6.143 6.813 80 66 1.976 2.799 3.462 4.333 5.443 6.814 7.536 81 67 2.183 3.113 3.845 4.804 6.029 7.555 8.338 82 68 2.432 3.493 4.295 5.342 6.681 8.367 9.213 83 69 2.725 3.9_7 4.81_ 5.948 7.399 9.254 10.228 84 70 3.059 4.448 5.399 6.620 8.186 10.222 11.370 85 71 3.342 4.874 5.917 7.259 8.985 11.231 12.505 86 72 3.649 5.339 6.485 7.963 9.8_5 12.346 13.759 87 73 3.979 5.840 7.098 8.722 10.814 13.554 15.102 88 74 4.274 6.283 7.640 9.393 11.659 14.606 16.285 89 75 4.515 6.639 8.074 9.929 12.312 15.436 17.218 90 17.972 91 18.740 92 18.870 93
MALE NON-SMOKER PAGE 2 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15 1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16 2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17 3 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .135 18 4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .135 .135 19 5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .135 .135 .135 20 6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .135 .135 .135 .109 21 7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .135 .135 .135 .109 .109 22 8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .135 .135 .135 .106 .109 .109 23 9 .100 .100 .100 .100 .110 .110 .120 .120 .1_0 .1_5 .135 .135 .105 .106 .109 .109 24 10 .100 .100 .100 .110 .110 .120 .120 .130 .135 .135 .135 .105 .105 .106 .109 .109 25 11 .100 .100 .110 .110 .120 .120 .130 .135 .135 .135 .105 .105 .105 .106 .109 .109 26 12 .100 .110 .110 .120 .120 .1_0 .1_5 .1_5 .1_5 .105 .105 .105 .105 .106 .109 .109 27 13 .110 .110 .120 .120 .130 .135 .135 .135 .105 .105 .105 .105 .105 .106 .109 .109 28 14 .110 .120 .120 .130 .135 .135 .135 .105 .105 .105 .105 .105 .105 .106 .109 .109 29 15 .120 .120 .130 .135 .135 .135 .105 .105 .105 .105 .105 .105 .105 .106 .109 .109 30 16 .120 .130 .135 .135 .135 .105 .105 .105 .105 .105 .105 .105 .105 .106 .109 .109 31 17 .130 .135 .135 .035 .061 .105 .105 .105 .105 .105 .105 .105 .105 .106 .109 .109 32 18 .135 .135 .135 .061 .061 .105 .105 .105 .105 .105 .105 .105 .105 .106 .109 .109 33 19 .135 .135 .061 .061 .061 .105 .105 .105 .105 .105 .105 .105 .105 .106 .109 .109 34 20 .135 .061 .061 .061 .061 .105 .105 .105 .105 .105 .105 .105 .105 .106 .109 .109 35 21 .061 .061 .061 .061 .061 .105 .105 .105 .105 .105 .105 .105 .105 .106 .109 .109 36 22 .061 .061 .061 .061 .061 .105 .105 .105 .105 .105 .105 .105 .105 .106 .109 .109 37 23 .061 .061 .061 .061 .061 .105 .105 .105 .105 .105 .105 .105 .105 .106 .114 .114 38 24 .061 .061 .061 .061 .061 .105 .105 .105 .105 .105 .105 .105 .105 .113 .121 .121 39 25 .061 .061 .061 .061 .061 .106 .106 .106 .106 .106 .106 .106 .111 .121 .130 .130 40 26 .061 .061 .061 .061 .061 .112 .112 .112 .112 .112 .112 .112 .120 .132 .142 .142 41 27 .061 .061 .061 .061 .061 .116 .116 .116 .116 .116 .116 .119 .130 .143 .155 .155 42 28 .061 .061 .061 .061 .061 .122 .122 .122 .122 .122 .122 .128 .140 .155 .169 .169 43 29 .061 .061 .061 .061 .061 .129 .129 .129 .129 .129 .129 .139 .152 .168 .183 .183 44 30 .061 .061 .061 .061 .061 .138 .138 .138 .138 .138 .140 .152 .166 .182 .198 .198 45 31 .064 .064 .064 .064 .064 .146 .146 .146 .146 .146 .152 .165 .180 .198 .216 .216 46 32 .068 .068 .068 .068 .068 .157 .157 .157 .157 .157 .166 .181 .197 .217 .239 .239 47 33 .071 .071 .071 .071 .071 .168 .168 .168 .168 .168 .182 .197 .217 .241 .266 .266 48 34 .074 .074 .074 .074 .074 .180 .180 .180 .180 .180 .197 .216 .241 .268 .296 .296 49 35 .078 .078 .078 .078 .078 .192 .192 .192 .192 .192 .215 .238 .266 .297 .329 .329 50 36 .084 .084 .084 .084 .084 .20_ .20_ .20_ .20_ .20_ .234 .260 .292 .328 .365 .366 51 37 .089 .089 .089 .089 .089 .221 .221 .221 .221 .221 .257 .286 .322 .363 .407 .407 52 38 .095 .095 .095 .095 .095 .240 .240 .240 .240 .240 .281 .313 .353 .400 .453 .453 53 39 .102 .102 .102 .102 .102 .259 .259 .259 .259 .259 .306 .342 .386 .440 .501 .501 54 40 .108 .108 .108 .108 .108 .279 .279 .279 .279 .279 .332 .371 .422 .482 .554 .559 55 41 .119 .119 .119 .119 .119 .305 .305 .305 .305 .305 .367 .413 .468 .538 .623 .639 56 42 .130 .130 .130 .130 .130 .__4 .__4 .__4 .__4 .__4 .407 .459 .522 .602 .701 .7_0 57 43 .141 .141 .141 .141 .141 .363 .363 .363 .363 .363 .450 .511 .585 .676 .789 .829 58 44 .153 .153 .153 .153 .153 .393 .393 .393 .393 .393 .497 .570 .657 .761 .885 .940 59 45 .166 .166 .166 .166 .166 .426 .426 .426 .426 .426 .5_1 .6_6 .737 .854 .999 1.059 60 46 .165 .165 .165 .165 .165 .465 .465 .465 .465 .465 .609 .707 .821 .956 1.115 1.174 61 47 .181 .181 .181 .181 .181 .512 .512 .512 .512 .512 .674 .783 .916 1.067 1.243 1.304 62 48 .198 .198 .198 .198 .198 .567 .567 .567 .567 .567 .745 .869 1.017 1.188 1.387 1.455 63 49 .218 .218 .218 .218 .218 .629 .629 .629 .629 .629 .826 .962 1.126 1.319 1.546 1.628 64 50 .240 .240 .240 .240 .240 .696 .696 .696 .696 .696 .912 1.060 1.244 1.463 1.721 1.818 65 51 .264 .264 .264 .264 .264 .766 .766 .766 .766 .766 1.006 1.172 1.379 1.632 1.929 2.051 66 52 .288 .288 .288 .288 .288 .836 .836 .836 .836 .836 1.106 1.292 1.528 1.815 2.156 2.304 67 53 .314 .314 .314 .314 .314 .904 .904 .904 .904 .904 1.211 1.423 1.688 2.010 2.399 2.579 68 54 .340 .340 .340 .340 .340 .972 .972 .972 .972 .972 1.322 1.563 1.860 2.221 2.659 2.862 69 55 .369 .369 .369 .369 .369 1.043 1.043 1.043 1.043 1.043 1.441 1.714 2.047 2.451 2.945 3.171 70 56 .395 .395 .395 .395 .395 1.133 1.133 1.133 1.133 1.133 1.573 1.878 2.246 2.690 3.239 3.498 71 57 .433 .433 .433 .433 .433 1.22_ 1.22_ 1.22_ 1.22_ 1.22_ 1.71_ 2.052 2.460 2.954 3.562 3.874 72 58 .479 .479 .479 .479 .479 1.328 1.328 1.328 1.328 1.328 1.864 2.239 2.694 3.245 3.927 4.278 73 59 .533 .533 .533 .533 .533 1.447 1.447 1.447 1.447 1.447 2.028 2.441 2.948 3.570 4.331 4.731 74 60 .594 .594 .594 .594 .594 1.581 1.581 1.581 1.581 1.581 2.209 2.660 3.228 3.927 4.78_ 5.228 75 61 .660 .660 .660 .660 .660 1.727 1.727 1.727 1.727 1.727 2.407 2.905 3.536 4.324 5.270 5.784 76 62 .730 .730 .730 .730 .730 1.883 1.883 1.883 1.883 1.883 2.628 3.175 3.880 4.751 5.805 6.401 77 63 .805 .805 .805 .805 .805 2.045 2.045 2.045 2.045 2.045 2.866 3.471 4.248 5.218 6.390 7.086 78 64 .888 .888 .888 .888 .888 2.215 2.215 2.215 2.215 2.215 3.126 3.789 4.650 5.727 7.026 7.829 79 65 .976 .976 .976 .976 .976 2.405 2.405 2.405 2.405 2.405 3.416 4.146 5.097 6.287 7.721 8.611 80 66 1.066 1.066 1.066 1.066 1.066 2.640 2.640 2.640 2.640 2.640 3.772 4.586 5.643 6.967 8.575 9.537 81 67 1.157 1.157 1.157 1.157 1.157 2.920 2.920 2.920 2.920 2.920 4.201 5.100 6.264 7.727 9.519 10.567 82 68 1.250 1.250 1.250 1.250 1.250 3.259 3.259 3.259 3.259 3.259 4.719 5.703 6.974 8.575 10.558 11.695 83 69 1.347 1.347 1.347 1.347 1.347 3.661 3.661 3.661 3.661 3.661 5.329 6.402 7.777 9.511 11.697 13.007 84 70 1.447 1.447 1.447 1.447 1.447 4.123 4.123 4.123 4.123 4.123 6.033 7.194 8.670 10.540 12.945 14.440 85 71 1.590 1.590 1.590 1.590 1.590 4.511 4.511 4.511 4.511 4.511 6.619 7.896 9.523 11.590 14.252 15.656 86 72 1.746 1.746 1.746 1.746 1.746 4.9_6 4.9_6 4.9_6 4.9_6 4.9_6 7.262 8.669 10.463 12.748 15.656 16.960 87 73 1.914 1.914 1.914 1.914 1.914 5.393 5.393 5.393 5.393 5.393 7.954 9.503 11.480 14.004 16.960 18.374 88 74 2.062 2.062 2.062 2.062 2.062 5.801 5.801 5.801 5.801 5.801 8.571 10.244 12.384 15.123 18.374 19.932 89 75 2.181 2.181 2.181 2.181 2.181 6.1_2 6.1_2 6.1_2 6.1_2 6.1_2 9.06_ 10.8_5 13.105 15.992 19.745 21.687 90 23.193 91 24.217 92
MALE SMOKER PAGE 4 OF 8
[x] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ---------- 0 .150 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 15 1 .140 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 16 2 .120 .120 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 17 3 .l20 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 18 4 .110 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 19 5 .110 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 20 6 .100 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .160 21 7 .100 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .160 .160 22 8 .100 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .160 .160 .160 23 9 .100 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .160 .160 .160 .160 24 10 .100 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .160 .160 .160 .160 .160 25 11 .100 .100 .110 .110 .120 .120 .130 .140 .140 .140 .157 .160 .160 .160 .160 .160 26 12 .100 .110 .110 .120 .120 .130 .140 .140 .140 .157 .157 .160 .160 .160 .160 .160 27 13 .110 .110 .120 .120 .130 .140 .140 .140 .l57 .157 .157 .160 .160 .160 .160 .160 28 14 .110 .120 .l20 .130 .140 .140 .140 .157 .157 .157 .157 .160 .160 .160 .160 .160 29 15 .120 .l20 .130 .140 .140 .140 .157 .157 .157 .157 .157 .160 .160 .160 .160 .160 30 16 .120 .130 .140 .140 .140 .157 .157 .157 .157 .157 .157 .160 .160 .160 .160 .160 31 17 .130 .140 .140 .140 .100 .157 .157 .157 .157 .157 .157 .160 .160 .160 .160 .160 32 18 .140 .140 .140 .100 .100 .157 .157 .157 .157 .157 .157 .160 .160 .160 .160 .160 33 19 .140 .140 .100 .100 .100 .157 .157 .157 .157 .157 .157 .160 .160 .160 .166 .166 34 20 .141 .100 .100 .100 .100 .157 .157 .157 .157 .157 .157 .160 .160 .166 .175 .175 35 21 .100 .100 .100 .100 100 .157 157 .157 .157 .157 .157 .160 .166 .175 .184 .184 36 22 .100 .100 .100 .100 .100 .157 .157 .157 .157 .157 .157 .160 .170 .181 .193 .193 37 23 .100 .100 .100 .100 .100 .158 .158 .158 .158 .158 .158 .165 .178 .192 .205 .205 38 24 .100 .100 .100 .100 .100 .160 .160 .160 .160 .160 .165 .173 .189 .207 .223 .223 39 25 .100 .100 .100 .100 .100 .165 .165 .165 .165 .165 .174 .187 .206 .226 .243 .243 40 26 .100 .100 .100 .100 .100 .175 .175 .175 .175 .175 .189 .206 .227 .250 .271 .271 41 27 .100 .100 .100 .100 .100 .186 .186 .186 .186 .186 .207 .227 .250 .277 .301 .301 42 28 .102 .102 .102 .102 .102 .200 .200 .200 .200 .200 .227 .249 .275 .305 .332 .332 43 29 .107 .107 .107 .107 .107 .217 .217 .217 .217 .217 .253 .276 .304 .335 .365 .365 44 30 .114 .114 .114 .114 .114 .237 .237 .237 .237 .237 .281 .307 .336 .369 .402 .405 45 31 .124 .124 .124 .124 .124 .252 .259 .259 .259 .259 .313 .341 .371 .407 .444 .447 46 32 .133 .133 .133 .133 .133 .271 .285 .285 .285 .285 .348 .379 .413 .452 .491 .496 47 33 .142 .142 .142 .142 .142 .293 .312 .312 .312 .312 .385 .419 .460 .503 .547 .553 48 34 .151 .151 .151 .151 .151 .319 .341 .341 .341 .341 .425 .465 .511 .561 .610 .621 49 35 .162 .162 .162 .162 .162 .349 .373 .373 .373 .373 .468 .512 .565 .623 .680 .696 50 36 .174 .174 .174 .174 .174 .385 .404 .404 .404 .404 .512 .562 .623 .691 .755 .771 51 37 .187 .187 .187 .187 .187 .421 .442 .442 .442 .442 .561 .617 .686 .762 .836 .844 52 38 .203 .203 .203 .203 .203 .463 .482 .482 .482 .482 .612 .675 .749 .834 .920 .925 53 39 .218 .218 .218 .218 .218 .509 .522 .522 .522 .522 .667 .733 .813 .908 1.009 1.015 54 40 .234 .234 .234 .234 .234 .557 .562 .562 .562 .562 .721 .792 .880 .985 1.104 1.123 55 41 .260 .260 .260 .260 .260 .612 .617 .617 .617 .617 .793 .872 .968 1.087 1.224 1.264 56 42 .286 .286 .286 .286 .286 .671 .675 .675 .675 .675 .872 .962 1.069 1.201 1.357 1.420 57 43 .313 .313 .313 .313 .313 .734 .734 .734 .734 .734 .955 1.061 1.183 1.329 1.503 1.587 58 44 .340 .340 .340 .340 .340 .792 .792 .792 .792 .792 1.046 1.168 1.309 1.472 1.664 1.760 59 45 .368 .368 .368 .368 .368 .854 .854 .854 .854 .854 1.1__ 1.286 1.447 1.6_0 1.837 1.939 60 46 .386 .386 .386 .386 .386 .926 .926 .926 .926 .926 1.245 1.405 1.588 1.784 2.008 2.109 61 47 .420 .420 .420 .420 .420 1.010 1.010 1.010 1.010 1.010 1.356 1.535 1.733 1.951 2.199 2.299 62 48 .458 .458 .458 .458 .458 1.108 1.108 1.108 1.108 1.108 1.477 1.667 1.886 2.132 2.408 2.517 63 49 .500 .500 .500 .500 .500 1.217 1.217 1.217 1.217 1.217 1.604 1.807 2.051 2.326 2.636 2.761 64 50 .544 .544 .544 .544 .544 1.332 1.332 1.332 1.332 1.332 1.736 1.957 2.225 2.532 2.879 3.022 65 51 .589 .589 .589 .589 .589 1.446 1.446 1.446 1.446 1.446 1.881 2.125 2.424 2.773 3.167 3.341 66 52 .635 .635 .635 .635 .635 1.555 1.555 1.555 1.555 1.555 2.032 2.302 2.635 3.026 3.470 3.675 67 53 .680 .680 .680 .680 .680 1.655 1.655 1.655 1.655 1.655 2.186 2.488 2.856 3.286 3.785 4.024 68 54 .725 .725 .725 .725 .725 1.749 1.749 1.749 1.749 1.749 2.342 2.682 3.086 3.558 4.106 4.368 69 55 .772 .772 .772 .772 .772 1.844 1.844 1.844 1.844 1.844 2.505 2.884 3.330 3.844 4.450 4.728 70 56 .818 .818 .818 .818 .818 1.957 1.957 1.957 1.957 1.957 2.676 3.092 3.571 4.125 4.781 5.095 71 57 .878 .878 .878 .878 .878 2.075 2.075 2.075 2.075 2.075 2.855 3.305 3.826 4.427 5.137 5.506 72 58 .951 .951 .951 .951 .951 2.212 2.212 2.212 2.212 2.212 3.041 3.529 4.097 4.752 5.529 5.931 73 59 1.037 1.037 1.037 1.037 1.037 2.369 2.369 2.369 2.369 2.369 3.238 3.763 4.381 5.106 5.952 6.391 74 60 1.133 1.133 1.133 1.133 1.133 2.541 2.541 2.541 2.541 2.541 3.449 4.009 4.685 5.481 6.40_ 6.926 75 61 1.235 1.235 1.235 1.235 1.235 2.725 2.725 2.725 2.725 2.725 3.674 4.275 5.010 5.886 6.927 7.510 76 62 1.338 1.338 1.338 1.338 1.338 2.917 2.917 2.917 2.917 2.917 3.920 4.562 5.362 6.346 7.482 8.141 77 63 1.446 1.446 1.446 1.446 1.446 3.105 3.105 3.105 3.105 3.105 4.174 4.866 5.760 6.835 8.071 8.824 78 64 1.561 1.561 1.561 1.561 1.561 3.294 3.294 3.294 3.294 3.294 4.442 5.212 6.184 7.352 8.691 9.538 79 65 1.678 1.678 1.678 1.678 1.678 3.502 3.502 3.502 3.502 3.502 4.765 5.596 6.645 7.906 9.349 10.258 80 66 1.793 1.793 1.793 1.793 1.793 3.760 3.760 3.760 3.760 3.760 5.160 6.066 7.206 8.577 10.157 11.101 81 67 1.902 1.902 1.902 1.902 1.902 4.075 4.075 4.075 4.075 4.075 5.635 6.610 7.833 9.307 11.021 12.008 82 68 2.006 2.006 2.006 2.006 2.006 4.464 4.464 4.464 4.464 4.464 6.207 7.242 8.535 10.098 11.940 12.966 83 69 2.110 2.110 2.110 2.110 2.110 4.926 4.926 4.926 4.926 4.926 6.869 7.959 9.307 10.943 12.910 14.055 84 70 2.212 2.212 2.212 2.212 2.212 5.452 5.452 5.452 5.452 5.452 7.617 8.749 10.142 11.839 13.929 15.245 85 71 2.374 2.374 2.374 2.374 2.374 5.854 5.854 5.854 5.854 5.854 8.175 9.387 10.878 12.694 14.936 16.339 86 72 2.548 2.548 2.548 2.548 2.548 6.282 6.282 6.282 6.282 6.282 8.767 10.065 11.659 13.606 16.007 17.614 87 73 2.733 2.733 2.733 2.733 2.733 6.727 6.727 6.727 6.727 6.727 9.383 10.766 12.470 14.547 17.222 19.379 88 74 2.882 2.882 2.882 2.882 2.882 7.084 7.084 7.084 7.084 7.084 9.864 11.312 13.096 15.273 18.598 20.946 89 75 2.985 2.985 2.985 2.985 2.985 7.322 7.322 7.322 7.322 7.322 10.169 11.653 13.478 15.934 19.684 22.186 90 23.193 91 24.217 92 __.___ 93
FEMALE PREFERRED NON-SMOKER PAGE 5 OF 8
[x] [X]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15 1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16 2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17 3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18 4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19 5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20 6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .079 21 7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .079 .079 22 8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .079 .079 .079 23 9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .079 .079 .079 .079 24 10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .079 .079 .079 .079 .079 25 11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .079 .079 .079 .079 .079 .079 26 12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .079 .079 .079 .079 .079 .079 .079 27 13 .100 .100 .110 .110 .120 .120 .120 .120 .079 .079 .079 .079 .079 .079 .079 .079 28 14 .100 .110 .110 .120 .120 .120 .120 .079 .079 .079 .079 .079 .079 .079 .079 .079 29 15 .110 .110 .120 .120 .120 .120 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 30 16 .110 .120 .120 .120 .120 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 31 17 .120 .120 .120 .120 .038 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 32 18 .120 .120 .120 .038 .038 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 33 19 .120 .120 .038 .038 .038 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 34 20 .121 .038 .038 .038 .038 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 35 21 .038 .038 .038 .038 .038 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 36 22 .038 .038 .038 .038 .038 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 37 23 .038 .038 .038 .038 .038 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 .079 38 24 .038 .038 .038 .038 .038 .079 .079 .079 .079 .079 .079 .079 .079 .079 .083 .083 39 25 .038 .038 .038 .038 .038 .080 .080 .080 .080 .080 .080 .080 .080 .083 .090 .090 40 26 .038 .038 .038 .038 .038 .086 .086 .086 .086 .086 .086 .086 .086 .091 .099 .099 41 27 .038 .038 .038 .038 .038 .089 .089 .089 .089 .089 .089 .089 .090 .099 .107 .107 42 28 .038 .038 .038 .038 .038 .094 .094 .094 .094 .094 .094 .094 .098 .107 .116 .116 43 29 .038 .038 .038 .038 .038 .100 .100 .100 .100 .100 .100 .100 .106 .115 .125 .125 44 30 .040 .040 .040 .040 .040 .106 .106 .106 .106 .106 .106 .106 .115 .125 .135 .135 45 31 .044 .044 .044 .044 .044 .112 .112 .112 .112 .112 .112 .115 .124 .135 .147 .147 46 32 .046 .046 .046 .046 .046 .119 .119 .119 .119 .119 .119 .126 .136 .148 .161 .161 47 33 .049 .049 .049 .049 .049 .127 .127 .127 .127 .127 .127 .137 .149 .163 .178 .178 48 34 .050 .050 .050 .050 .050 .136 .136 .136 .136 .136 .137 .149 .164 .180 .197 .197 49 35 .054 .054 .054 .054 .054 .145 .145 .145 .145 .145 .149 .163 .180 .199 .218 .218 50 36 .058 .058 .058 .058 .058 .149 .149 .149 .149 .149 .158 .173 .193 .214 .236 .236 51 37 .060 .060 .060 .060 .060 .159 .159 .159 .159 .159 .169 .187 .208 .233 .259 .259 52 38 .063 .063 .063 .063 .063 .169 .169 .169 .169 .169 .180 .200 .223 .251 .282 .282 53 39 .065 .065 .065 .065 .065 .178 .178 .178 .178 .178 .191 .212 .239 .271 .307 .307 54 40 .067 .067 .067 .067 .067 .186 .186 .186 .186 .186 .202 .225 .254 .291 .333 .333 55 41 .073 .073 .073 .073 .073 .200 .200 .200 .200 .200 .218 .244 .276 .316 .364 .364 56 42 .078 .078 .078 .078 .078 .215 .215 .215 .215 .215 .237 .265 .300 .344 .398 .398 57 43 .083 .083 .083 .083 .083 .229 .229 .229 .229 .229 .257 .289 .328 .376 .435 .435 58 44 .088 .088 .088 .088 .088 .244 .244 .244 .244 .244 .278 .315 .359 .411 .474 .475 59 45 .094 .094 .094 .094 .094 .260 .260 .260 .260 .260 .301 .343 .392 .449 .517 .517 60 46 .084 .084 .084 .084 .084 .279 .279 .279 .279 .279 .328 .376 .433 .498 .574 .574 61 47 .090 .090 .090 .090 .090 .301 .301 .301 .301 .301 .357 .412 .477 .551 .636 .636 62 48 .097 .097 .097 .097 .097 .327 .327 .327 .327 .327 .388 .450 .523 .607 .705 .705 63 49 .105 .105 .105 .105 .105 .355 .355 .355 .355 .355 .422 .490 .572 .668 .781 .787 64 50 .113 .113 .113 .113 .113 .384 .384 .384 .384 .384 .458 .531 .623 .733 .864 .878 65 51 .124 .124 .124 .124 .124 .420 .420 .420 .420 .420 .502 .583 .685 .809 .957 .977 66 52 .135 .135 .135 .135 .135 .456 .456 .456 .456 .456 .548 .638 .751 .890 1.056 1.082 67 53 .147 .147 .147 .147 .147 .491 .491 .491 .491 .491 .597 .697 .823 .976 1.160 1.194 68 54 .160 .160 .160 .160 .160 .525 .525 .525 .525 .525 .643 .761 .899 1.066 1.269 1.308 69 55 .174 .174 .174 .174 .174 .560 .560 .560 .560 .560 .703 .828 .981 1.164 1.388 1.427 70 56 .183 .183 .183 .183 .183 .613 .613 .613 .613 .613 .770 .909 1.077 1.279 1.525 1.570 71 57 .200 .200 .200 .200 .200 .661 .661 .661 .661 .661 .837 .991 1.177 1.400 1.672 1.731 72 58 .22_ .22_ .22_ .22_ .22_ .715 .715 .715 .715 .715 .909 1.080 1.285 1.533 1.835 1.903 73 59 .246 .246 .246 .246 .246 .776 .776 .776 .776 .776 .987 1.174 1.402 1.678 2.014 2.092 74 60 .274 .274 .274 .274 .274 .844 .844 .844 .844 .844 1.071 1.275 1.528 1.8_6 2.210 2.299 75 61 .305 .305 .305 .305 .305 .917 .917 .917 .917 .917 1.167 1.395 1.683 2.038 2.463 2.586 76 62 .337 .337 .337 .337 .337 .994 .994 .994 .994 .994 1.272 1.527 1.854 2.257 2.745 2.906 77 63 .372 .372 .372 .372 .372 1.073 1.073 1.073 1.073 1.073 1.385 1.671 2.03_ 2.498 3.053 3.266 78 64 .410 .410 .410 .410 .410 1.156 1.156 1.156 1.156 1.156 1.506 1.825 2.241 2.761 3.392 3.661 79 65 .450 .450 .450 .450 .450 1.246 1.246 1.246 1.246 1.246 1.641 1.999 2.466 3.053 3.764 4.083 80 66 .491 .491 .491 .491 .491 1.662 1.362 1.362 1.362 1.362 1.812 2.219 2.752 3.426 4.249 4.617 81 67 .533 .533 .533 .533 .533 1.497 1.497 1.497 1.497 1.497 2.015 2.476 3.078 3.842 4.787 5.216 82 68 .574 .574 .574 .574 .574 1.657 1.657 1.657 1.657 1.657 2.258 2.775 3.450 4.308 5.384 5.879 83 69 .617 .617 .617 .617 .617 1.844 1.844 1.844 1.844 1.844 2.542 3.120 3.867 4.824 6.043 6.647 84 70 .66_ .66_ .66_ .66_ .66_ 2.055 2.055 2.055 2.055 2.055 2.867 3.509 4.333 5.394 6.767 7.519 85 71 .724 .724 .724 .724 .724 2.232 2.232 2.232 2.232 2.232 3.145 3.873 4.815 6.028 7.609 8.510 86 72 .792 .792 .792 .792 .792 2.423 2.423 2.423 2.423 2.423 3.449 4.276 5.348 6.737 8.556 9.630 87 73 .864 .864 .864 .864 .864 2.625 2.625 2.625 2.625 2.625 3.776 4.713 5.932 7.517 9.604 10.871 88 74 .928 .928 .928 .928 .928 2.805 2.805 2.805 2.805 2.805 4.069 5.112 6.473 8.251 10.594 12.058 89 75 .977 .977 .977 .977 .977 2.951 2.951 2.951 2.951 2.951 4.309 5.446 6.935 8.880 11.462 13.112 90 13.649 91 14.194 92 __.___ 93
FEMALE NON-SMOKER PAGE 6 OF 8
[x] [X]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 .140 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 15 1 .130 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 16 2 .110 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 17 3 .110 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 18 4 .100 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 19 5 .100 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 20 6 .090 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .089 21 7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .089 .089 22 8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .089 .089 .089 23 9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .089 .089 .089 .089 24 10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .089 .089 .089 .089 .089 25 11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .089 .089 .089 .089 .089 .089 26 12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .089 .089 .089 .089 .089 .089 .089 27 13 .100 .100 .110 .110 .120 .120 .120 .120 .089 .089 .089 .089 .089 .089 .089 .089 28 14 .100 .110 .110 .120 .120 .120 .120 .089 .089 .089 .089 .089 .089 .089 .089 .089 29 15 .110 .110 .120 .120 .120 .120 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 30 16 .110 .120 .120 .120 .120 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 31 17 .120 .120 .120 .120 .046 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 32 18 .120 .120 .120 .046 .046 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 33 19 .120 .120 .046 .046 .046 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 34 20 .121 .046 .046 .046 .046 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 35 21 .046 .046 .046 .046 .046 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 36 22 .046 .046 .046 .046 .046 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 .089 37 23 .046 .046 .046 .046 .046 .089 .089 .089 .089 .089 .089 .089 .089 .089 .092 .092 38 24 .046 .046 .046 .046 .046 .089 .089 .089 .089 .089 .089 .089 .089 .091 .098 .098 39 25 .046 .046 .046 .046 .046 .091 .091 .091 .091 .091 .091 .091 .091 .099 .106 .106 40 26 .046 .046 .046 .046 .046 .096 .096 .096 .096 .096 .096 .096 .099 .108 .117 .117 41 27 .046 .046 .046 .046 .046 .101 .101 .101 .101 .101 .101 .101 .108 .118 .128 .128 42 28 .046 .046 .046 .046 .046 .107 .107 .107 .107 .107 .107 .107 .117 .128 .138 .138 43 29 .047 .047 .047 .047 .047 .114 .114 .114 .114 .114 .114 .117 .127 .139 .150 .150 44 30 .050 .050 .050 .050 .050 .123 .123 .123 .123 .123 .123 .129 .139 .151 .163 .163 45 31 .054 .054 .054 .054 .054 .130 .130 .130 .130 .130 .131 .140 .151 .164 .177 .177 46 32 .058 .058 .058 .058 .058 .140 .140 .140 .140 .140 .143 .154 .166 .180 .195 .195 47 33 .061 .061 .061 .061 .061 .151 .151 .151 .151 .151 .157 .168 .182 .199 .216 .216 48 34 .064 .064 .064 .064 .064 .162 .162 .162 .162 .162 .171 .184 .201 .220 .239 .239 49 35 .069 .069 .069 .069 .069 .173 .173 .173 .173 .173 .186 .202 .222 .244 .266 .266 50 36 .073 .073 .073 .073 .073 .181 .181 .181 .181 .181 .199 .217 .239 .264 .289 .289 51 37 .077 .077 .077 .077 .077 .194 .194 .194 .194 .194 .215 .235 .260 .288 .316 .316 52 38 .081 .081 .081 .081 .081 .207 .207 .207 .207 .207 .231 .253 .279 .311 .346 .346 53 39 .084 .084 .084 .084 .084 .220 .220 .220 .220 .220 .246 .270 .300 .336 .376 .376 54 40 .088 .088 .088 .088 .088 .232 .232 .232 .232 .232 .262 .288 .321 .361 .408 .408 55 41 .095 .095 .095 .095 .095 .250 .250 .250 .250 .250 .284 .313 .348 .393 .446 .446 56 42 .102 .102 .102 .102 .102 .269 .269 .269 .269 .269 .309 .341 .379 .429 .488 .491 57 43 .109 .109 .109 .109 .109 .288 .288 .288 .288 .288 .335 .371 .415 .469 .534 .540 58 44 .116 .116 .116 .116 .116 .306 .306 .306 .306 .306 .362 .405 .455 .513 .582 .591 59 45 .123 .123 .123 .123 .123 .326 .326 .326 .326 .326 .393 .442 .4_8 .561 .636 .642 60 46 .116 .116 .116 .116 .116 .351 .351 .351 .351 .351 .429 .485 .550 .622 .706 .711 61 47 .124 .124 .124 .124 .124 .380 .380 .380 .380 .380 .468 .531 .606 .689 .784 .789 62 48 .133 .133 .133 .133 .133 .413 .413 .413 .413 .413 .509 .581 .666 .760 .869 .879 63 49 .143 .143 .143 .143 .143 .450 .450 .450 .450 .450 .554 .634 .728 .838 .963 .982 64 50 .154 .154 .154 .154 .154 .488 .488 .488 .488 .488 .601 .688 .795 .920 1.066 1.096 65 51 .170 .170 .170 .170 .170 .566 .566 .566 .566 .566 .660 .756 .874 1.016 1.182 1.220 66 52 .186 .186 .186 .186 .186 .583 .583 .583 .583 .583 .723 .828 .960 1.119 1.306 1.352 67 53 .203 .203 .203 .203 .203 .629 .629 .629 .629 .629 .788 .906 1.052 1.228 1.435 1.493 68 54 .220 .220 .220 .220 .220 .675 .675 .675 .675 .675 .857 .990 1.151 1.343 1.572 1.635 69 55 .239 .239 .239 .239 .239 .722 .722 .722 .722 .722 .931 1.079 1.257 1.468 1.721 1.785 70 56 .254 .254 .254 .254 .254 .787 .787 .787 .787 .787 1.017 1.183 1.379 1.611 1.890 1.965 71 57 .278 .278 .278 .278 .278 .849 .849 .849 .849 .849 1.106 1.291 1.509 1.764 2.073 2.167 72 58 .308 .308 .308 .308 .308 .920 .920 .920 .920 .920 1.203 1.407 1.648 1.934 2.276 2.383 73 59 .342 .342 .342 .342 .342 1.000 1.000 1.000 1.000 1.000 1.307 1.530 1.799 2.118 2.500 2.621 74 60 .381 .381 .381 .381 .381 1.090 1.090 1.090 1.090 1.090 1.420 1.664 1.962 2.320 2.744 2.881 75 61 .424 .424 .424 .424 .424 1.187 1.187 1.187 1.187 1.187 1.548 1.822 2.163 2.577 3.062 3.243 76 62 .469 .469 .469 .469 .469 1.290 1.290 1.290 1.290 1.290 1.690 1.997 2.385 2.857 3.415 3.647 77 63 .517 .517 .517 .517 .517 1.396 1.396 1.396 1.396 1.396 1.842 2.187 2.626 3.166 3.802 4.101 78 64 .570 .570 .570 .570 .570 1.506 1.506 1.506 1.506 1.506 2.005 2.392 2.890 3.503 4.229 4.600 79 65 .626 .626 .626 .626 .626 1.628 1.628 1.628 1.628 1.628 2.188 2.623 3.183 3.876 4.699 5.135 80 66 .683 .683 .683 .683 .683 1.780 1.780 1.780 1.780 1.780 2.417 2.914 3.556 4.353 5.310 5.812 81 67 .741 .741 .741 .741 .741 1.959 1.959 1.959 1.959 1.959 2.691 3.254 3.981 4.889 5.989 6.573 82 68 .799 .799 .799 .799 .799 2.174 2.174 2.174 2.174 2.174 3.020 3.653 4.467 5.486 6.744 7.417 83 69 .859 .859 .859 .859 .859 2.426 2.426 2.426 2.426 2.426 3.406 4.113 5.015 6.152 7.580 8.398 84 70 .920 .920 .920 .920 .920 2.712 2.712 2.712 2.712 2.712 3.849 4.633 5.628 6.889 8.501 9.516 85 71 1.008 1.008 1.008 1.008 1.008 2.950 2.950 2.950 2.950 2.950 4.226 5.122 6.262 7.711 9.575 10.789 86 72 1.102 1.102 1.102 1.102 1.102 3.208 3.208 3.208 3.208 3.208 4.641 5.662 6.967 8.6_4 10.789 12.233 87 73 1.204 1.204 1.204 1.204 1.204 3.483 3.483 3.483 3.483 3.483 5.088 6.249 7.740 9.651 12.135 13.840 88 74 1.292 1.292 1.292 1.292 1.292 3.726 3.726 3.726 3.726 3.726 5.489 6.787 8.457 10.610 13.412 15.386 89 75 1.360 1.360 1.360 1.360 1.360 3.921 3.921 3.921 3.921 3.921 5.816 7.237 9.071 11.436 14.538 16.766 90 17.468 91 18.185 92
FEMALE PREFERRED SMOKER PAGE 7 OF 8
[X] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ---------- 7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .093 .093 22 8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .093 .093 .093 23 9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .093 .093 .093 .093 24 10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .093 .093 .093 .093 .093 25 11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .093 .093 .093 .093 .093 .093 26 12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .093 .093 .093 .093 .093 .093 .093 27 13 .100 .100 .110 .110 .120 .120 .120 .120 .093 .093 .093 .093 .093 .093 .093 .093 28 14 .100 .110 .110 .120 .120 .120 .120 .093 .093 .093 .093 .093 .093 .093 .093 .093 29 15 .110 .110 .120 .120 .120 .120 .093 .093 .093 .093 .093 .093 .093 .093 .093 .093 30 16 .110 .120 .120 .120 .120 .093 .093 .093 .093 .093 .093 .093 .093 .093 .093 .093 31 17 .120 .120 .120 .120 .052 .093 .093 .093 .093 .093 .093 .093 .093 .093 .093 .093 32 18 .120 .120 .120 .052 .052 .093 .093 .093 .093 .093 .093 .093 .093 .093 .093 .093 33 19 .120 .120 .052 .052 .052 .093 .093 .093 .093 .093 .093 .093 .093 .093 .099 .099 34 20 .121 .052 .052 .052 .052 .093 .093 .093 .093 .093 .093 .093 .093 .099 .108 .108 35 21 .052 .052 .052 .052 .052 .093 .093 .093 .093 .093 .093 .093 .099 .108 .119 .119 36 22 .052 .052 .052 .052 .052 .094 .094 .094 .094 .094 .094 .094 .102 .113 .126 .126 37 23 .052 .052 .052 .052 .052 .095 .095 .095 .095 .095 .095 .097 .108 .121 .135 .135 38 24 .052 .052 .052 .052 .052 .098 .098 .098 .098 .098 .098 .104 .117 .132 .148 .148 39 25 .052 .052 .052 .052 .052 .102 .102 .102 .102 .102 .102 .113 .129 .146 .163 .163 40 26 .052 .052 .052 .052 .052 .110 .110 .110 .110 .110 .112 .126 .142 .162 .182 .182 41 27 .052 .052 .052 .052 .052 .117 .117 .117 .117 .117 .123 .139 .158 .180 .202 .202 42 28 .055 .055 .055 .055 .055 .127 .127 .127 .127 .127 .136 .153 .174 .199 .222 .222 43 29 .059 .059 .059 .059 .059 .138 .138 .138 .138 .138 .153 .171 .193 .218 .244 .244 44 30 .064 .064 .064 .064 .064 .151 .151 .151 .151 .151 .171 .191 .214 .241 .269 .269 45 31 .071 .071 .071 .071 .071 .164 .164 .164 .164 .164 .190 .212 .236 .265 .295 .295 46 32 .077 .077 .077 .077 .077 .180 .180 .180 .180 .180 .211 .235 .263 .294 .326 .326 47 33 .083 .083 .083 .083 .083 .197 .197 .197 .197 .197 .234 .261 .292 .326 .362 .362 48 34 .089 .089 .089 .089 .089 .215 .215 .215 .215 .215 .259 .288 .323 .362 .402 .402 49 35 .096 .096 .096 .096 .096 .235 .235 .235 .235 .235 .285 .317 .357 .401 .447 .447 50 36 .103 .103 .103 .103 .103 .249 .249 .249 .249 .249 .305 .341 .386 .436 .487 .487 51 37 .109 .109 .109 .109 .109 .268 .268 .268 .268 .268 .328 .368 .417 .473 .529 .529 52 38 .116 .116 .116 .116 .116 .286 .286 .286 .286 .286 .352 .395 .447 .508 .572 .572 53 39 .122 .122 .122 .122 .122 .304 .304 .304 .304 .304 .374 .420 .476 .542 .616 .616 54 40 .128 .128 .128 .128 .128 .320 .320 .320 .320 .320 .396 .445 .504 .577 .661 .661 55 41 .140 .140 .140 .140 .140 .345 .345 .345 .345 .345 .427 .478 .541 .620 .712 .715 56 42 .151 .151 .151 .151 .151 .370 .370 .370 .370 .370 .459 .516 .584 .667 .767 .778 57 43 .161 .161 .161 .161 .161 .394 .394 .394 .394 .394 .493 .556 .629 .718 .825 .841 58 44 .171 .171 .171 .171 .171 .417 .417 .417 .417 .417 .529 .599 .679 .774 .886 .901 59 45 .182 .182 .182 .182 .182 .442 .442 .442 .442 .442 .566 .644 .732 .833 .948 .958 60 46 .180 .180 .180 .180 .180 .471 .471 .471 .471 .471 .608 .695 .796 .905 1.030 1.041 61 47 .191 .191 .191 .191 .191 .504 .504 .504 .504 .504 .652 .750 .860 .981 1.123 1.133 62 48 .204 .204 .204 .204 .204 .542 .542 .542 .542 .542 .699 .803 .924 1.064 1.224 1.238 63 49 .218 .218 .218 .218 .218 .584 .584 .584 .584 .584 .745 .857 .993 1.151 1.332 1.356 64 50 .233 .233 .233 .233 .233 .625 .625 .625 .625 .625 .791 .914 1.065 1.241 1.447 1.482 65 51 .252 .252 .252 .252 .252 .677 .677 .677 .677 .677 .854 .987 1.150 1.345 1.573 1.616 66 52 .272 .272 .272 .272 .272 .726 .726 .726 .726 .726 .919 1.062 1.240 1.454 1.703 1.753 67 53 .292 .292 .292 .292 .292 .772 .772 .772 .772 .772 .985 1.141 1.334 1.564 1.835 1.893 68 54 .312 .312 .312 .312 .312 .814 .814 .814 .814 .814 1.051 1.223 1.430 1.676 1.968 2.027 69 55 .333 .333 .333 .333 .333 .857 .857 .857 .857 .857 1.121 1.308 1.530 1.793 2.107 2.162 70 56 .350 .350 .350 .350 .350 .914 .914 .914 .914 .914 1.199 1.402 1.642 1.924 2.261 2.323 71 57 .376 .376 .376 .376 .376 .969 .969 .969 .969 .969 1.277 1.498 1.757 2.060 2.422 2.500 72 58 .407 .407 .407 .407 .407 1.062 1.062 1.062 1.062 1.062 1.360 1.598 1.878 2.206 2.597 2.680 73 59 .443 .443 .443 .443 .443 1.104 1.104 1.104 1.104 1.104 1.446 1.700 2.003 2.360 2.783 2.871 74 60 .484 .484 .484 .484 .484 1.182 1.182 1.182 1.182 1.182 1.537 1.806 2.134 2.522 2.979 2.094 75 61 .527 .527 .527 .527 .527 1.265 1.265 1.265 1.265 1.265 1.669 1.933 2.296 2.733 3.262 3.412 76 62 .570 .570 .570 .570 .570 1.350 1.350 1.350 1.350 1.350 1.749 2.069 2.470 2.972 3.567 3.757 77 63 .___ .___ .___ .___ .___ 1.433 1.433 1.433 1.433 1.433 1.860 2.210 2.668 3.230 3.892 4.135 78 64 .665 .665 .665 .665 .665 1.515 1.515 1.515 1.515 1.515 1.977 2.372 2.880 3.502 4.239 4.537 79 65 .714 .714 .714 .714 .714 1.603 1.603 1.603 1.603 1.603 2.117 2.551 3.108 3.796 4.610 4.949 80 66 .763 .763 .763 .763 .763 1.717 1.717 1.717 1.717 1.717 2.293 2.777 3.401 4.172 5.095 5.471 81 67 .808 .808 .808 .808 .808 1.853 1.853 1.853 1.853 1.853 2.502 3.068 3.727 4.583 5.615 6.038 82 68 .851 .851 .851 .851 .851 2.017 2.017 2.017 2.017 2.017 2.752 3.339 4.091 5.027 6.175 6.645 83 69 .893 .893 .893 .893 .893 2.209 2.209 2.209 2.209 2.209 3.039 3.678 4.490 5.505 6.771 7.329 84 70 .933 .933 .933 .933 .933 2.426 2.426 2.426 2.426 2.426 3.360 4.050 4.922 6.016 7.404 8.081 85 71 .997 .997 .997 .997 .997 2.590 2.590 2.590 2.590 2.590 3.608 4.375 5.345 6.566 8.120 8.907 86 72 1.067 1.067 1.067 1.067 1.067 2.762 2.762 2.762 2.762 2.762 3.872 4.723 5.799 7.161 8.899 9.805 87 73 1.169 1.169 1.169 1.169 1.169 2.940 2.940 2.940 2.940 2.940 4.146 5.085 6.277 7.788 9.725 10.871 88 74 1.196 1.196 1.196 1.196 1.196 3.081 3.081 3.081 3.081 3.081 4.365 5.382 6.678 8.325 10.542 12.058 89 75 1.233 1.233 1.233 1.233 1.233 3.175 3.175 3.175 3.175 3.175 4.511 5.592 6.969 8.827 11.408 13.112 90 13.649 91 14.194 92 15.089 93 16.469 94
FEMALE SMOKER PAGE 8 OF 8
[X] [x]+0 [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ---------- 7 .090 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .120 .120 22 8 .090 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .120 .120 .120 23 9 .090 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .120 .120 .120 .120 24 10 .090 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .120 .120 .120 .120 .120 25 11 .090 .090 .100 .100 .110 .110 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 26 12 .090 .100 .100 .110 .110 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 27 13 .100 .100 .110 .110 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 28 14 .100 .110 .110 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 29 15 .110 .110 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 30 16 .110 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 31 17 .120 .120 .120 .120 .074 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 32 18 .120 .120 .120 .074 .074 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 .120 33 19 .120 .120 .074 .074 .074 .120 .120 .120 .120 .120 .120 .120 .120 .120 .125 .125 34 20 .121 .074 .074 .074 .074 .120 .120 .120 .120 .120 .120 .120 .120 .125 .132 .132 35 21 .074 .074 .074 .074 .074 .120 .120 .120 .120 .120 .120 .120 .125 .132 .141 .141 36 22 .074 .074 .074 .074 .074 .120 .120 .120 .120 .120 .120 .121 .129 .139 .150 .150 37 23 .074 .074 .074 .074 .074 .123 .123 .123 .123 .123 .123 .127 .137 .149 .161 .161 38 24 .074 .074 .074 .074 .074 .127 .127 .127 .127 .127 .128 .135 .148 .163 .176 .176 39 25 .074 .074 .074 .074 .074 .133 .133 .133 .133 .133 .138 .148 .164 .180 .195 .195 40 26 .074 .074 .074 .074 .074 .143 .143 .143 .143 .143 .151 .166 .182 .201 .218 .218 41 27 .075 .075 .075 .075 .075 .154 .154 .154 .154 .154 .167 .183 .202 .223 .242 .242 42 28 .080 .080 .080 .080 .080 .168 .168 .168 .168 .168 .186 .204 .223 .247 .267 .267 43 29 .085 .085 .085 .085 .085 .184 .184 .184 .184 .184 .210 .228 .249 .272 .293 .293 44 30 .093 .093 .093 .093 .093 .204 .204 .204 .204 .204 .237 .256 .276 .300 .323 .323 45 31 .10_ .10_ .10_ .10_ .10_ .224 .224 .224 .224 .224 .264 .284 .306 .332 .356 .356 46 32 .112 .112 .112 .112 .112 .247 .247 .247 .247 .247 .294 .317 .341 .368 .393 .393 47 33 .121 .121 .121 .121 .121 .272 .272 .272 .272 .272 .327 .352 .379 .408 .437 .437 48 34 .130 .130 .130 .130 .130 .299 .299 .299 .299 .299 .362 .390 .421 .455 .486 .486 49 35 .141 .141 .141 .141 .141 .328 .328 .328 .328 .328 .399 .429 .466 .505 .541 .542 50 36 .150 .150 .150 .150 .150 .350 .350 .350 .350 .350 .429 .463 .504 .548 .590 .590 51 37 .153 .153 .153 .153 .153 .377 .377 .377 .377 .377 .462 .499 .545 .595 .642 .642 52 38 .168 .168 .168 .168 .168 .403 .403 .403 .403 .403 .495 .535 .584 .640 .694 .694 53 39 .178 .178 .178 .178 .178 .428 .428 .428 .428 .428 .527 .570 .623 .683 .747 .747 54 40 .186 .186 .186 .186 .186 .450 .450 .450 .450 .450 .558 .603 .659 .726 .802 .802 55 41 .203 .203 .203 .203 .203 .486 .486 .486 .486 .486 .601 .649 .708 .781 .864 .872 56 42 .220 .220 .220 .220 .220 .522 .522 .522 .522 .522 .647 .700 .764 .840 .931 .949 57 43 .235 .235 .235 .235 .235 .557 .557 .557 .557 .557 .695 .756 .824 .905 1.002 1.027 58 44 .250 .250 .250 .250 .250 .590 .590 .590 .590 .590 .746 .814 .890 .977 1.076 1.100 59 45 .265 .265 .265 .265 .265 .626 .626 .626 .626 .626 .799 .875 .960 1.052 1.151 1.169 60 46 .268 .268 .268 .268 .268 .666 .666 .666 .666 .666 .858 .947 1.044 1.143 1.252 1.272 61 47 .285 .285 .285 .285 .285 .713 .713 .713 .713 .713 .921 1.021 1.127 1.239 1.365 1.384 62 48 .305 .305 .305 .305 .305 .769 .769 .769 .769 .769 .988 1.093 1.212 1.344 1.488 1.513 63 49 .326 .326 .326 .326 .326 .829 .829 .829 .829 .829 1.054 1.167 1.303 1.455 1.620 1.658 64 50 .347 .347 .347 .347 .347 .889 .889 .889 .889 .889 1.119 1.246 1.398 1.569 1.761 1.813 65 51 .376 .376 .376 .376 .376 .964 .964 .964 .964 .964 1.209 1.346 1.510 1.701 1.915 1.977 66 52 .407 .407 .407 .407 .407 1.066 1.066 1.066 1.066 1.066 1.302 1.449 1.630 1.840 2.075 2.145 67 53 .436 .436 .436 .436 .436 1.102 1.102 1.102 1.102 1.102 1.396 1.557 1.754 1.980 2.235 2.317 68 54 .466 .466 .466 .466 .466 1.164 1.164 1.164 1.164 1.164 1.490 1.670 1.881 2.123 2.398 2.481 69 55 .497 .497 .497 .497 .497 1.226 1.226 1.226 1.226 1.226 1.590 1.788 2.014 2.272 2.569 2.648 70 56 .525 .525 .525 .525 .525 1.304 1.304 1.304 1.304 1.304 1.699 1.916 2.161 2.437 2.756 2.846 71 57 .564 .564 .564 .564 .564 1.382 1.382 1.382 1.382 1.382 1.811 2.047 2.313 2.610 2.954 3.063 72 58 .611 .611 .611 .611 .611 1.473 1.473 1.473 1.473 1.473 1.929 2.184 2.472 2.796 3.168 3.285 73 59 .666 .666 .666 .666 .666 1.576 1.576 1.576 1.576 1.576 2.052 2.324 2.637 2.993 3.396 3.521 74 60 .727 .727 .727 .727 .727 1.689 1.689 1.689 1.689 1.689 2.181 2.471 2.811 3.200 3.637 3.796 75 61 .792 .792 .792 .792 .792 1.809 1.809 1.809 1.809 1.809 2.328 2.645 3.027 3.469 3.983 4.188 76 62 .857 .857 .857 .857 .857 1.932 1.932 1.932 1.932 1.932 2.484 2.832 3.258 3.776 4.359 4.614 77 63 .926 .926 .926 .926 .926 2.053 2.053 2.053 2.053 2.053 2.645 3.028 3.522 4.105 4.760 5.082 78 64 .999 .999 .999 .999 .999 2.172 2.172 2.172 2.172 2.172 2.811 3.252 3.804 4.454 5.187 5.579 79 65 1.074 1.074 1.074 1.074 1.074 2.301 2.301 2.301 2.301 2.301 3.013 3.500 4.109 4.831 5.646 6.090 80 66 1.147 1.147 1.147 1.147 1.147 2.464 2.464 2.464 2.464 2.464 3.266 3.813 4.499 5.315 6.244 6.738 81 67 1.215 1.215 1.215 1.215 1.215 2.660 2.660 2.660 2.660 2.660 3.566 4.175 4.934 5.843 6.888 7.443 82 68 1.280 1.280 1.280 1.280 1.280 2.899 2.899 2.899 2.899 2.899 3.926 4.593 5.421 6.415 7.581 8.199 83 69 1.343 1.343 1.343 1.343 1.343 3.181 3.181 3.181 3.181 3.181 4.342 5.066 5.956 7.033 8.323 9.053 84 70 1.404 1.404 1.404 1.404 1.404 3.500 3.500 3.500 3.500 3.500 4.809 5.586 6.537 7.693 9.109 9.995 85 71 1.501 1.501 1.501 1.501 1.501 3.740 3.740 3.740 3.740 3.740 5.168 6.040 7.108 8.406 10.004 11.031 86 72 1.606 1.606 1.606 1.606 1.606 3.993 3.993 3.993 3.993 3.993 5.551 6.526 7.721 9.179 10.979 12.233 87 73 1.715 1.715 1.715 1.715 1.715 4.254 4.254 4.254 4.254 4.254 5.950 7.065 8.367 9.997 12.085 13.840 88 74 1.802 1.802 1.802 1.802 1.802 4.460 4.460 4.460 4.460 4.460 6.268 7.452 8.911 10.697 13.359 15.386 89 75 1.858 1.858 1.858 1.858 1.858 4.593 4.593 4.593 4.593 4.593 6.479 7.746 9.303 11.381 14.481 16.766 90 17.468 91 18.185 92 19.364 93 21.188 94
TEN YEAR SELECT NON REFUND YRT REINSURANCE PROGRAM USE OF THE RATE SCHEDULE SMOKER/NON-SMOKER DIFFERENTIATION This schedule contains YRT rates which are differentiated by smoking habit for issue ages 20-69. These rates are to be used only where the Ceding Company's gross premiums are differentiated by smoking habit. For reinsurance generated from plans of insurance where the Ceding Company does not differentiate its premiums by smoking habit, North American Re's undifferentiated YRT reinsurance premium schedule should be used. FEMALE RATES Ages 0 to 10 Use Rates for Males Same Age Ages 11 to 14 Use Rates for Males Age 10 Ages 15 to 19 Use Rates for Males 4 Years Younger Ages 24 & Older Ages 20 to 23 Use Rates for Males Age 20 SUBSTANDARD RISKS Multiple table substandard premiums are equal to the sum of the standard premium (smoker, non-smoker, or undifferentiated) and the appropriate multiple of the additional premiums for 25% excess mortality shown in the Substandard table. For example: if a risk is rated Class D, 200%, the premium per thousand for each age and duration is the standard premium plus four times the additional substandard premium. Reinsurance premiums for risks which have been rated on a multiple table basis shall revert to the standard premium on the later of the twentieth policy anniversary and attained age 65. POLICY FEE For risks ceded on a bordereau basis,there is no policy fee. For risks ceded on an individual cession basis, the policy fee is $50 in the first year and $20 in renewal years. MINIMUM CESSION The minimum initial amount of reinsurance that may be ceded under this program is $10,000. RECAPTURE Reinsurance ceded under this program will not be eligible for recapture before the end of the tenth policy anniversary. REINSURANCE PREMIUMS I. Plan: Single Premium Whole Life (Standard Issues Only) II. Standard Reinsurance Risk Premiums: Reinsurance ceded under this Addendum shall employ individual cessions using annual reinsurance premiums. The reinsurance premiums shall equal the rates attached to this Exhibit B, less the following percentage reductions: Policy Year ------ ---- 1 2+ --- -- 100% 0% III. Maximum Amount Of Reinsurance On One Life On These Reinsurance Premiums: $3,000,000. IV. Reinsurance Premiums For Policies Converted To The Single Premium Whole Life Plan: Any reinsurance in force with the North American Re on policies converted to or reissued on the above plan shall be continued with the North American Re. The reinsured risk amount shall be determined as described in Paragraph 1 of this Addendum following the conversion or reissue. The applicable reinsurance premiums will be determined as described in this Exhibit B, with age and duration measured from the date of issue of the original policy. V. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B VI. Disability Net Coinsurance Premiums: North American Re shall receive its proportionate share of the gross premium charged the policyholder by the Company less the following allowances: First Year 100% Renewal Years 32 VIII. Policy Fees: The Company shall retain all policy fees in their entirety. IX. Coinsurance Limit per life: $5,000,000 X. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the 10th policy anniversary. EXHIBIT B (Cont'd) Memorandum Addendum No. I to the Reinsurance Agreement effective June 1, 1984 between the Life Insurance Company of Virginia and the North American Reassurance Company. Effective January 1, 1985 the Single Premium Whole Life plan (Standard issues only) shall be ceded to the North American Re under the above referenced Reinsurance Agreement subject to the same terms and conditions of the Agreement except as provided below: 1. Plan of Reinsurance: A. Reinsurance of Life risks shall be on the Yearly Renewable Term plan. The risk amount for policy years one through five shall be estimated by the Company at issue. At the end of the five years and each subsequent five year period, the Company shall provide the North American Re with reinsurance risk amounts for the ensuing five years. However, increases in the reinsured risk amount shall be limited to an ultimate maximum of $1,000,000. Reinsurance premiums and reinsurance death benefits will be based on the reinsurance risk amounts so reported to North American Re regardless of what the actual policy risk amounts are. 2. Reinsurance Administration: A. Reinsurance shall be ceded using an individual cession basis. Reinsurance premiums shall be paid annually, but if a reinsurance policy is terminated or reduced in accordance with the provisions of this Agreement, the North American Re shall refund to the Company the unearned portion of the reinsurance premium. -1- B. Promptly at the beginning of each calendar month the North American Re shall send to the Company a statement of premiums for all outstanding new reinsurance upon which confirmation of reinsurance has been received by the North American Re and renewal premiums for all renewal reinsurances falling due within such month. The statement shall also include any adjustments in reinsurance premiums. The Company shall verify the statement and return it to the North American Re within a reasonable time together with a remittance covering the amount due. 3. Reinsurance Premiums: A. Life Premiums: 1) Until further notice, reinsurance premiums shall be at the rates given in the attached Exhibit B. The North American Re guarantees that premium rates for a given attained age, rating and duration shall not exceed the higher of the rate shown in the attached schedule (Exhibit B) for that age, rating and duration or the one year term rate on the appropriate multiple of the 1958 CSO table at 2 1/2%. 2) The reinsurance premiums are annual policy year premiums payable in advance at the beginning of the month following issue and the beginning of the month in which a renewal anniversary occurs. -2- IN WITNESS WHEREOF, the Company and the North American Re have cuased their names to be subscribed and duly attested hereunder by their respective Authorized Officers. THE LIFE INSURANCE COMPANY OF VIRGINIA By Illigible 2ND V.P ----------------------, ------------- Authorized Officer Title Attest: By /s/ Illegible Reinsurance ____, asst ----------------------------------, ---------------------- Authorized Officer Title Date: NORTH AMERICAN REASSURANCE COMPANY By /s/ Illegible Vice - President --------------------, ---------------- Authorized Officer Title Attest: By Illegible V.P. ----------------------------------, --------------------- Authorized Officer Title Date: June 26, 1987 - 3 - REINSURANCE PREMIUMS I. Plan: Single Premium Whole Life (Standard Issues Only) II. Standard Reinsurance Risk Premiums: Reinsurance ceded under this Addendum shall employ individual cessions using annual reinsurance premiums. The reinsurance premiums shall equal the rates attached to this Exhibit B, less the following percentage reduction: All Policy Years ---------------- 10% III. Maximum Amount of Reinsurance On One Life on These Reinsurance Premiums: $3,000,000. IV. Reinsurance Premiums For Policies Converted To The Single Premium Whole Life Plan: Any reinsurance in force with the North American Re on policies converted to or reissued on the above plan shall be continued with the North American Re. The reinsured risk amount shall be determined as described in Paragraph 1 of this Addendum following the conversion or reissue. The applicable reinsurance premiums will be determined as described in this Exhibit B, with age and duration measured from the date of issue of the original policy. V. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B LIFE INSURANCE COMPANY OF VIRGINIA SINGLE PREMIUM WHOLE LIFE Annual Cost per $1,000
ISS DURATION ATT AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 ULT AGE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------- --- 21 0.90 0.99 1.03 1.01 0.99 0.93 0.95 0.95 0.98 1.02 1.04 1.11 1.18 1.26 1.35 1.44 36 22 0.84 0.93 0.98 0.96 0.94 0.90 0.91 0.92 0.95 1.00 1.05 1.11 1.20 1.30 1.42 1.55 37 23 0.80 0.89 0.94 0.93 0.91 0.89 0.89 0.91 0.95 1.00 1.07 1.14 1.25 1.38 1.51 1.68 38 24 0.76 0.8_ 0.90 0.90 0.90 0.88 0.89 0.92 0.96 1.03 1.12 1.20 1.34 1.49 1.64 1.83 39 25 0.72 0.79 0.86 0.88 0.90 0.89 0.91 0.94 1.00 1.07 1.18 1.29 1.46 1.64 1.80 2.01 40 26 0.70 0.77 0.84 0.87 0.91 0.92 0.95 1.00 1.06 1.15 1.28 1.43 1.60 1.81 2.00 2.19 41 27 0.70 0.76 0.82 0.88 0.93 0 97 1.02 1.07 1.16 1.27 1.41 1.58 1.78 2.00 2.22 2.41 42 28 0.72 0.78 0.85 0.91 0.98 1.03 1.09 1.18 1.28 1.41 1.56 1.75 1.96 2.21 2.44 2.67 43 29 0.76 0.81 0.88 0.96 1.04 1.11 1.20 1.30 1.43 1.58 1.75 1.94 2.17 2.43 2.68 2.95 44 30 0.80 0.87 0.9_ 1.03 1.12 1.22 1.32 1.45 1.60 1.78 1.96 2.17 2.40 2.67 2.95 3.26 45 31 0.86 0.95 1.03 1.13 1.23 1.35 1.48 1.62 1.81 2.00 2.20 2.42 2.67 2.96 3.25 3.59 46 32 0.92 1.02 1.12 1.23 1.35 1.50 1.65 1.83 2.03 2.25 2.46 2.70 2.97 3.28 3.61 3.98 47 33 0.95 1.08 1.20 1.35 1.50 1.66 1.85 2.04 2.26 2.51 2.74 3.01 3.32 3.67 4.02 4.43 48 34 0.97 1.14 1.30 1.47 1.66 1.86 2.06 2.28 2.52 2.78 3.05 3.35 3.71 4.10 4.49 4.96 49 35 1.01 1.21 1.41 1.63 1.84 2.06 2.29 2.54 2.80 3.07 3.38 3.72 4.12 4.57 5.01 5.56 50 36 1.06 1.32 1.57 1.83 2.08 2.33 2.40 2.86 3.14 3.43 3.77 4.15 4.61 5.11 5.60 6.16 51 37 1.16 1.46 1.76 2.07 2.36 2.64 2.92 3.22 3.53 3.84 4.21 4.62 5.12 5.68 6.23 6.75 52 38 1.29 1.65 2.01 2.36 2.69 2.98 3.30 3.64 3.96 4.31 4.69 5.14 5.67 6.28 6.90 7.41 53 39 1.45 1.89 2.30 2.69 3.04 3._8 3.72 4.08 4._5 4.82 5.23 5.69 6.26 6.92 7.61 8.15 54 40 1.64 2.16 2.63 3.07 3.44 3.80 4.18 4.58 4.98 5.39 5.81 6.30 6.90 7.61 8.39 9.03 55 41 1.77 2.35 2.89 3.36 3.76 4.15 4.55 4.99 5.45 5.92 6.39 6.93 7.59 8.40 9.32 10.06 56 42 1.89 2.55 3.13 3.64 4.08 4.50 4.94 5._3 5.94 6.47 7.01 7.64 8.38 9.29 10.35 11.34 57 43 2.01 2.72 3.36 3.91 4.40 4.86 5.33 5.86 6.41 7.05 7.68 8.43 9.28 10.29 11.49 12.70 58 44 2.13 2.89 3.58 4.19 4.71 5.22 5.73 6.29 6.87 7.63 8.41 9.29 10.28 11.42 12.73 14.14 59 45 2.25 3.06 3.81 4.48 5.05 5.60 6.15 6.74 7.37 8.26 9.20 10.23 11.38 12.56 14.12 15.65 60 46 2.40 3.28 4.10 4.86 5.50 6.09 6.68 7.32 8.00 8.98 10.04 11.21 12.52 13.92 15.50 17.30 61 47 2.56 3.54 4.44 5.28 6.03 6.66 7.30 7.99 8.80 9.81 10.97 12.27 13.72 15.29 17.03 18.92 62 48 2.72 3.83 4.84 5.77 6.64 7.66 8.05 8.81 9.74 10.75 11.97 13.39 15.01 16.76 18.71 20.73 63 49 2.89 4.14 5.27 6.32 7.31 8.14 8.93 9.76 10.76 11.79 13.07 14.58 16.37 18.36 20.55 22.87 64 50 3.06 4.49 5.74 6.91 8.01 8.97 9.87 10.79 11.80 12.88 14.21 15.85 17.82 20.05 22.53 25.14 65 51 3.25 4.85 6.26 7.53 8.74 9.84 10.36 11.87 12.92 14.10 15.54 17.35 19.54 22.08 24.92 27.60 66 52 3.45 5.25 6.79 8.17 9.47 10.67 11.79 12.90 14.03 15.34 16.93 18.94 21.40 24.26 27.48 30.54 67 53 3.66 5.64 7.32 8.79 10.17 11.43 12.62 13.82 15.12 16.58 18.38 20.63 23.36 26.55 30.18 33.69 68 54 3.90 6.05 7.86 9.41 10.85 12.12 13.37 14.70 16.19 17.84 19.88 22.44 25.47 28._8 33.03 36.87 69 55 4.15 6.49 8.44 10.07 11.55 12.84 14.15 15.58 17.28 19.15 21.49 24.38 27.74 31.61 36.12 40.27 70 56 4.45 6.99 9.08 10.79 12.29 13.59 14.95 16.47 18.32 20.42 23.06 26.26 29.95 34.17 39.12 44.36 71 57 4.82 7.57 9.82 11.63 13.12 14.48 15.92 17.51 19._1 21.81 24.75 28.30 32.36 37.00 42.46 48.45 72 58 5.26 8.27 10.72 12.62 14.16 15.61 17.12 18.76 20.67 23.34 26.57 30.48 34.97 40.14 46.20 52.80 73 59 5.77 9.09 11.76 13.78 15.44 16.98 18.55 20.23 22.19 25.04 28.55 32.80 37.81 43.60 50.32 57.60 74 60 6.35 10.00 12.90 15.07 16.90 18.52 20.16 21.87 23.95 26.92 30.70 35.33 40.89 47.37 54.84 62.92 75 61 7.03 10.97 14.09 16.45 18.45 20.17 21.88 23.66 25.89 29.00 33.08 38.12 44.27 51.52 59.78 68.81 76 62 7.78 11.94 15.28 17.90 20.02 21.85 23.67 25.59 27.99 31.32 35.71 41.20 48.00 56.03 65.14 75.24 77 63 8._1 13.06 _____ 19.41 21.57 23.50 25.43 27.53 30.16 33.76 38.52 44.54 52.04 60.91 70.91 82.30 78 64 9.54 14.38 18.10 20.94 23.16 25.17 27.22 29.51 32.44 36.37 41.56 48.16 56.42 66.16 77.12 89.82 79 65 10.55 15.75 19.66 22.51 24.83 26.97 29.18 31.75 35.07 39.38 45.02 52.23 61.24 71.88 83.81 97.58 80 66 11.65 17.09 21.__ 24.13 26.69 29.08 31.61 34.62 38.45 43.27 49.46 57.38 67._3 73._7 91.98 105.43 81 67 12.85 18.26 22.47 25.76 28.71 31.53 34.56 38.17 42.65 48.05 54.81 63.39 74.02 86.58 100.88 115.28 82 68 14.15 19.30 23.62 27.38 30.93 34.42 38.21 42.64 47.90 53.94 61.30 70.42 81.70 95.07 110.51 125.90 83 69 15.55 20.33 21.74 29.02 33.34 3_.77 42.59 48.05 54.21 60.97 68.89 78.50 90.27 104.53 120.92 138.04 84 70 17.04 21.31 25.83 30.66 35.92 41.55 47.65 54.32 61.53 69.08 77.57 87.56 99.73 114.37 132.11 151.51 85 71 18.65 26.02 32.67 37.35 41.84 46.84 52.36 59.45 67.18 75.38 85.13 95.85 108.83 125.01 144.60 166.41 86 72 20.38 28.36 35.64 40.80 45._5 51.23 57.29 64.89 72.98 81.44 92.00 103.47 117.16 135.65 157.90 180.17 87 73 22.20 30.93 38.93 44.62 50.02 56.03 62.52 70.50 78.86 88.02 99.32 112.16 128.02 147.34 172.44 196.07 88 74 24.23 33.78 42.57 48.79 54.72 61.15 67.92 76.17 85.22 95.02 107.66 121.72 139.05 160.06 188.04 209.27 89 75 26.46 36.9_ 46.56 53.37 5_.73 66.44 73.38 82.31 92.01 103.00 116.83 132.21 151.04 173.61 201.76 219.35 90 227.31 91 235.35 92 248.65 93 268.93 94 289.57 95 345.82 96 472.94 97 706.18 98 1080.76 99
AMENDMENT NO. I To the Reinsurance Agreement Between LIFE INSURANCE COMPANY OF VIRGINIA And NORTH AMERICAN REASSURANCE COMPANY Except as hereinafter specified, all the terms and conditions of the Reinsurance Agreement effective the 1st day of June, 1984, amendments and addenda attached thereto, shall apply, and this Amendment is to be attached to and made a part of the aforesaid Agreement. It is mutually agreed that effective the 1st day of April, 1986, Exhibit D, Corporate Retention Limits of the Ceding Company; Exhibit F, Pool Members and Applicable Percentages of Participation; and Exhibit G, Automatic Binding Limits to the Reinsurance Pool; are revised as attached. IN WITNESS WHEREOF, the Ceding Company and the North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. LIFE INSURANCE COMPANY OF VIRGINIA By /s/ Illegible , Illegible -------------------- --------- Authorized Officer Title Attest: By /s/ Illegible , Illegible -------------------- --------- Authorized Officer Title Date: March 3, 1986 NORTH AMERICAN REASSURANCE COMPANY By /s/ Illegible , President -------------------- --------- Authorized Officer Title Attest: By /s/ Illegible , Illegible -------------------- --------- Authorized Officer Title Date: mar 12, 1986 -1- Pool Members and Applicable Percentages of Participation Company Percentages ------- ----------- AMERICAN UNITED LIFE INSURANCE COMPANY 25 Indianapolis, Indiana CONTINENTAL ASSURANCE COMPANY 25 Chicago, Illinois NORTH AMERICAN REASSURANCE COMPANY 25 New York, New York SECURITY LIFE OF DENVER INSURANCE COMPANY 25 Denver, Colorado EXHIBIT F AMENDMENT NO. II To the Reinsurance Agreement Between the LIFE INSURANCE COMPANY OF VIRGINIA And NORTH AMERICAN REASSURANCE COMPANY Except as hereinafter specified, all terms and conditions of the Reinsurance Agreement effective the 1st day of June, 1984, amendments and addenda attached thereto, shall apply, and this Amendment is to be attached to and made a part of the aforesaid Agreement. It is mutually agreed that effective the 1st day of May, 1991, Exhibit E, Jumbo Risk, is revised as attached; SCHEDULE I, Automatic Binding Limits to the Reinsurance Pool; and Paragraph 6, Automatic Binding Limits, of Memorandum Addenda III and V are revised as attached. IN WITNESS WHEREOF, the Company and North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. LIFE INSURANCE COMPANY OF VIRGINIA By /s/ Illegible , 2d V. P. -------------------- --------------- Authorized Officer Title Attest: By /s/ Illegible , Vice President & Actuary -------------------- ------------------------ Authorized Officer Title Date: June 3, 1991 NORTH AMERICAN REASSURANCE COMPANY By /s/ Illegible , President & CEO -------------------- --------------- Authorized Officer Title Attest: By /s/ Illegible assistant Secretary --------------------, ------------------- Authorized Officer Title Date: June 7, 1991 -1- JUMBO RISK Age Amount ---- ----------- 0-70 $10,000,000 1-75 5,000,000 EXHIBIT E AUTOMATIC BINDING LIMITS TO THE REINSURANCE POOL Life Standard Table 4: Total Automatic Ages LOV Pool Coverage NARE Share ----- -------- --------------- ----------- 0-70 $500,000 $7,000,000 $1,4000,000 71-75 250,000 3,500,000 700,000 Table 5-16: Total Automatic Ages LOV Pool Coverage NARE Share ----- -------- --------------- ---------- 0-70 $500,000 $6,500,000 $900,000 71-75 250,000 3,250,000 450,000 Waiver of Premium Disability An equal amount to that attaching to the face amount of Life coverage automatically reinsured. The total WPD that can be reinsured per life is $3,000,000. SCHEDULE I MEMORANDUM ADDENDA III and V 6. Automatic Binding Limits: A. North American Re's share of automatic coverage shall be equal to an amount not exceeding the limits specified in Exhibit G of the Agreement to which this Addendum is attached. AMENDMENT NO. III To the Reinsurance Agreement Between THE LIFE INSURANCE COMPANY OF VIRGINIA And NORTH AMERICAN REASSURANCE COMPANY Except as hereinafter specified, all terms and conditions of the Reinsurance Agreement effective the 1st day of June, 1984, amendments and addenda attached thereto, shall apply, and this Amendment is to be attached to and made a part of the aforesaid Agreement. It is mutually agreed that effective the 1st day of January, 1992, ARTICLE XIX, DAC Tax, as follows, is added to the Agreement: ARTICLE XIX DAC TAX Election Statement 1. The Company and North American Re hereby agree to the following pursuant to Section 1.848-2(g)(8) of the Income Tax Regulation issued December 1992, under Section 848 of the Internal Revenue Code of 1986, as amended. This election shall be effective for 1992 and for all subsequent taxable years for which this Agreement remains in effect. (a) The term "party" will refer to either the Company or North American Re as appropriate. (b) The terms used in this Article are defined by reference to Regulation 1.848-2 in effect December 1992. (c) The party with the net positive consideration for this Agreement for each taxable year will capitalize specified policy acquisition expenses with respect to this Agreement without regard to the general deductions limitation of Section 848(c)(1). (d) Both parties agree to exchange information pertaining to the amount of net consideration under this Agreement each year to ensure consistency or is otherwise required by the Internal Revenue Service. (e) The Company will submit a schedule to North American Re by May 1, of each year of its calculation of the net consideration for the preceding calendar year. This schedule of calculations will be accompanied by a statement stating that the Company will report such net consideration in its tax return for the preceding calendar year. (f) North American Re may contest such calculation by providing an alternative calculation to the Company by June 1. If North American Re does not so notify the Company, the Company will report the net consideration as determined by the Company in the Company's tax return for the previous calendar year. (g) If North American Re contests the Company's calculation of the net considerations, the parties will act in good faith to reach an agreement as to the correct amount by July 1. If the Company and North American Re reach agreement on an amount of the net consideration, each party shall report such amount in their respective tax returns for the previous calendar year. IN WITNESS WHEREOF, the Company and North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. THE LIFE INSURANCE COMPANY OF VIRGINIA By /s/ Illegible 2nd V. P. --------------------, --------------- Authorized Officer Title Attest: By /s/ Illegible Illegible --------------------, ----------- Authorized Officer Title Date: July 2, 1993 NORTH AMERICAN REASSURANCE COMPANY By /s/ Illegible V.P. --------------------, -------------- Authorized Officer Title Attest: By /s/ Illegible Asst Vice President --------------------, ------------------- Authorized Officer Title Date: May 20, 1993 6/30/93 TLevel 10 MALE NONSMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS NONREENTRANT MORTALITY YEARS 11+
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 -- ----- ------ ------ ------ ------ ------ ------ ------ ------ 20 0.732 0.823 0.830 0.814 0.801 0.749 0.747 0.730 0.732 21 0.680 0.750 0.778 0.769 0.758 0.721 0.749 0.755 0.790 22 0.594 0.663 0.697 0.685 0.675 0.660 0.670 0.681 0.712 23 0.528 0.584 0.619 0.608 0.609 0.596 0.609 0.619 0.654 24 0.458 0.506 0.540 0.546 0.548 0.546 0.551 0.572 0.614 25 0.408 0.447 0.487 0.494 0.512 0.511 0.526 0.555 0.599 26 0.377 0.417 0.451 0.467 0.490 0.506 0.529 0.561 0.612 27 0.368 0.396 0.431 0.453 0.485 0.515 0.548 0.587 0.656 28 0.366 0.395 0.424 0.455 0.495 0.533 0.573 0.636 0.705 29 0.377 0.401 0.432 0.470 0.518 0.565 0.629 0.692 0.783 30 0.384 0.415 0.453 0.488 0.543 0.611 0.670 0.759 0.862 31 0.388 0.430 0.464 0.510 0.575 0.643 0.725 0.812 0.937 32 0.392 0.436 0.481 0.536 0.600 0.685 0.776 0.879 1.009 33 0.384 0.438 0.496 0.555 0.640 0.729 0.834 0.943 1.083 34 0.367 0.437 0.498 0.575 0.667 0.768 0.877 0.997 1.146 35 0.370 0.445 0.526 0.616 0.717 0.829 0.948 1.084 1.248 36 0.373 0.471 0.566 0.670 0.788 0.912 1.053 1.201 1.372 37 0.394 0.503 0.617 0.737 0.870 1.011 1.165 1.328 1.523 38 0.423 0.550 0.683 0.817 0.968 1.120 1.285 1.477 1.701 39 0.460 0.612 0.760 0.909 1.071 1.239 1.428 1.646 1.898 40 0.506 0.680 0.847 1.015 1.184 1.370 1.590 1.830 2.109 41 0.552 0.750 0.945 1.122 1.313 1.525 1.758 2.022 2.339 42 0.600 0.825 1.034 1.236 1.456 1.686 1.943 2.232 2.582 43 0.649 0.893 1.130 1.358 1.600 1.854 2.131 2.446 2.819 44 0.695 0.966 1.234 1.486 1.746 2.025 2.327 2.663 3.074 45 0.750 1.051 1.342 1.625 1.909 2.213 2.541 2.912 3.348 46 0.810 1.136 1.457 1.775 2.098 2.428 2.796 3.195 3.680 47 0.871 1.236 1.593 1.947 2.318 2.692 3.085 3.530 4.110 48 0.932 1.346 1.749 2.144 2.587 3.006 3.445 3.951 4.619 49 0.999 1.468 1.921 2.379 2.881 3.365 3.881 4.449 5.182 50 1.068 1.606 2.120 2.628 3.194 3.764 4.358 4.996 5.768 51 1.142 1.758 2.334 2.896 3.531 4.182 4.850 5.552 6.403 52 1.227 1.920 2.559 3.184 3.873 4.592 5.325 6.118 7.041 53 1.316 2.088 2.799 3.473 4.217 4.972 5.783 6.647 7.670 54 1.419 2.271 3.046 3.770 4.555 5.359 6.217 7.151 8.295 55 1.534 2.476 3.322 4.088 4.930 5.764 6.659 7.660 8.951 56 1.672 2.707 3.627 4.464 5.338 6.199 7.150 8.230 9.641 57 1.840 2.978 4.000 4.897 5.793 6.711 7.736 8.893 10.374 58 2.036 3.317 4.445 5.404 6.354 7.353 8.456 9.676 11.209 59 2.279 3.712 4.956 5.995 7.038 8.128 9.303 10.581 12.206 60 2.554 4.151 5.523 6.659 7.832 9.001 10.256 11.604 13.349 61 2.872 4.623 6.129 7.391 8.683 9.943 11.289 12.727 14.618 62 3.230 5.115 6.756 8.166 9.554 10.929 12.379 13.942 16.007 63 3.633 5.686 7.453 8.978 10.442 11.913 13.475 15.189 17.450 64 4.089 6.355 8.243 9.829 11.364 12.928 14.608 16.473 18.994 65 4.595 7.065 9.084 10.707 12.345 14.026 15.841 17.935 20.756 66 5.145 7.770 9.903 11.606 13.402 15.250 17.293 19.677 22.882 67 5.758 8.409 10.634 12.523 14.551 16.677 19.038 21.831 25.464 68 6.424 8.999 11.305 13.441 15.816 18.346 21.197 24.483 28.681 69 7.152 9.594 11.966 14.387 17.193 20.290 23.742 27.691 32.550 70 7.939 10.167 12.623 15.342 18.684 22.436 26.677 31.422 37.038 x [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT -- ------ ------ ------- ------- ------- ------- ------- 20 0.742 1.166 1.158 1.105 1.071 0.992 1.690 35 21 0.819 1.371 1.291 1.216 1.134 1.052 1.770 36 22 0.754 1.259 1.172 1.125 1.092 1.016 1.880 37 23 0.704 1.181 1.111 1.112 1.084 1.018 2.000 38 24 0.664 1.170 1.112 1.118 1.128 1.076 2.140 39 25 0.656 1.191 1.153 1.193 1.204 1.163 2.290 40 26 0.686 1.262 1.266 1.280 1.306 1.278 2.470 41 27 0.730 1.387 1.383 1.403 1.430 1.409 2.650 42 28 0.800 1.513 1.504 1.507 1.544 1.522 2.860 43 29 0.891 1.703 1.654 1.653 1.675 1.660 3.070 44 30 0.982 1.874 1.812 1.793 1.806 1.796 3.320 45 31 1.063 2.033 1.965 1.930 1.950 1.963 3.590 46 32 1.151 2.211 2.140 2.105 2.146 2.190 3.880 47 33 1.240 2.400 2.324 2.329 2.418 2.492 4.190 48 34 1.309 2.543 2.504 2.571 2.708 2.837 4.540 49 35 1.415 2.793 2.795 2.896 3.076 3.258 4.910 50 36 1.564 3.145 3.164 3.302 3.521 3.734 5.350 51 37 1.744 3.547 3.567 3.723 3.980 4.221 5.860 52 38 1.945 3.992 4.000 4.147 4.436 4.736 6.430 53 39 2.164 4.488 4.462 4.606 4.935 5.274 7.090 54 40 2.412 4.910 4.960 5.123 5.461 5.889 7.820 55 41 2.674 5.350 5.560 5.694 6.091 6.629 8.630 56 42 2.955 5.860 6.235 6.390 6.860 7.514 9.490 57 43 3.267 6.430 7.022 7.252 7.799 8.561 10.420 58 44 3.583 7.090 7.820 8.260 8.913 9.764 11.470 59 45 3.937 7.820 8.630 9.391 10.161 11.204 12.640 60 46 4.344 8.630 9.490 10.420 11.470 12.640 13.940 61 47 4.820 9.490 10.420 11.470 12.640 13.940 15.420 62 48 5.366 10.420 11.470 12.640 13.940 15.420 17.110 63 49 5.973 11.470 12.640 13.940 15.420 17.110 19.020 64 50 6.653 12.640 13.940 15.420 17.110 19.020 21.130 65 51 7.368 13.940 15.420 17.110 19.020 21.130 23.400 66 52 8.098 15.420 17.110 19.020 21.130 23.400 25.860 67 53 8.833 17.110 19.020 21.130 23.400 25.860 28.500 68 54 9.596 19.020 21.130 23.400 25.860 28.500 31.380 69 55 10.404 21.130 23.400 25.860 28.500 31.380 34.630 70 56 11.263 23.400 25.860 28.500 31.380 34.630 38.310 71 57 12.204 25.860 28.500 31.380 34.630 38.310 42.560 72 58 13.247 28.500 31.380 34.630 38.310 42.560 47.440 73 59 14.405 31.380 34.630 38.310 42.560 47.440 52.920 74 60 15.690 34.354 38.310 42.560 47.440 52.920 58.800 75 61 17.116 37.468 42.560 47.440 52.920 58.800 65.060 76 62 18.698 40.838 47.440 52.920 58.800 65.060 71.640 77 63 20.393 44.606 52.920 58.800 65.060 71.640 78.470 78 64 22.214 49.005 58.745 65.060 71.640 78.470 85.720 79 65 24.320 54.332 65.060 71.640 78.470 85.720 93.670 80 66 26.784 60.956 71.640 78.470 85.720 93.670 102.520 81 67 29.804 69.081 78.470 85.720 93.670 102.520 112.520 82 68 33.524 78.470 85.720 93.670 102.520 112.520 123.790 83 69 37.964 85.720 93.670 102.520 112.520 123.790 136.110 84 70 43.071 93.670 102.520 112.520 123.790 136.110 149.200 85
6/30/93 TLevel 10 MALE PREFERRED NONSMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS NONREENTRANT MORTALITY YEARS 11+
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 -- ----- ----- ----- ----- ------ ------ ------ ------ ------ 20 0.542 0.422 0.456 0.448 0.448 0.431 0.441 0.444 0.455 21 0.349 0.385 0.427 0.423 0.424 0.415 0.442 0.459 0.490 22 0.305 0.340 0.383 0.376 0.378 0.380 0.395 0.414 0.442 23 0.271 0.300 0.340 0.334 0.341 0.343 0.359 0.376 0.406 24 0.235 0.260 0.297 0.300 0.306 0.314 0.325 0.348 0.381 25 0.209 0.229 0.268 0.272 0.286 0.294 0.311 0.338 0.372 26 0.194 0.214 0.248 0.257 0.274 0.291 0.313 0.341 0.380 27 0.189 0.203 0.237 0.249 0.272 0.296 0.323 0.357 0.408 28 0.188 0.203 0.233 0.250 0.277 0.306 0.338 0.387 0.438 29 0.194 0.206 0.238 0.259 0.290 0.325 0.371 0.421 0.486 30 0.197 0.213 0.249 0.268 0.304 0.351 0.396 0.461 0.535 31 0.199 0.221 0.255 0.281 0.322 0.369 0.428 0.494 0.582 32 0.201 0.224 0.264 0.294 0.336 0.393 0.458 0.534 0.627 33 0.197 0.225 0.273 0.305 0.358 0.419 0.493 0.573 0.672 34 0.188 0.224 0.274 0.316 0.373 0.441 0.518 0.606 0.711 35 0.190 0.229 0.289 0.339 0.401 0.476 0.560 0.659 0.775 36 0.191 0.242 0.311 0.368 0.441 0.524 0.622 0.730 0.852 37 0.202 0.258 0.339 0.405 0.487 0.581 0.688 0.807 0.946 38 0.217 0.282 0.376 0.449 0.542 0.644 0.759 0.898 1.056 39 0.236 0.314 0.418 0.500 0.599 0.712 0.843 1.001 1.179 40 0.260 0.349 0.466 0.558 0.662 0.788 0.939 1.113 1.310 41 0.283 0.385 0.519 0.617 0.735 0.877 1.038 1.230 1.452 42 0.308 0.424 0.568 0.679 0.815 0.969 1.147 1.358 1.603 43 0.333 0.458 0.621 0.747 0.895 1.065 1.258 1.487 1.750 44 0.___ 0.496 0.678 0.817 0.977 1.164 1.374 1.619 1.909 45 0.385 0.539 0.738 0.893 1.068 1.272 1.500 1.771 2.079 46 0.416 0.583 0.801 0.976 1.174 1.395 1.651 1.943 2.285 47 0.447 0.634 0.876 1.070 1.297 1.547 1.822 2.147 2.552 48 0.478 0.691 0.961 1.179 1.448 1.727 2.034 2.402 2.868 49 0.513 0.753 1.056 1.308 1.612 1.934 2.292 2.705 3.218 50 0.548 0.824 1.166 1.445 1.787 2.163 2.573 3.038 3.582 51 0.586 0.902 1.283 1.592 1.976 2.403 2.864 3.376 3.976 52 0.630 0.985 1.407 1.751 2.167 2.639 3.144 3.720 4.372 53 0.676 1.071 1.539 1.909 2.360 2.858 3.414 4.042 4.763 54 0.728 1.165 1.675 2.073 2.549 3.080 3.670 4.348 5.151 55 0.787 1.270 1.826 2.247 2.758 3.313 3.931 4.658 5.558 56 0.858 1.389 1.994 2.454 2.987 3.563 4.221 5.005 5.987 57 0.944 1.528 2.199 2.692 3.242 3.857 4.568 5.408 6.442 58 1.045 1.702 2.444 2.971 3.555 4.226 4.993 5.884 6.960 59 1.169 1.905 2.725 3.296 3.938 4.671 5.493 6.434 7.580 60 1.311 2.130 3.036 3.661 4.382 5.173 6.055 7.056 8.290 61 1.474 2.372 3.370 4.063 4.858 5.714 6.665 7.739 9.078 62 1.658 2.625 3.715 4.490 5.346 6.281 7.308 8.478 9.940 63 1.864 2.918 4.098 4.936 5.843 6.846 7.956 9.236 10.836 64 2.098 3.261 4.532 5.404 6.358 7.429 8.624 10.017 11.794 65 2.358 3.625 4.994 5.886 6.907 8.061 9.352 10.906 12.889 66 2.640 3.987 5.444 6.381 7.499 8.764 10.210 11.965 14.209 67 2.954 4.315 5.846 6.885 8.142 9.584 11.240 13.275 15.812 68 3.296 4.618 6.215 7.390 8.850 10.543 12.515 14.887 17.810 69 3.670 4.923 6.579 7.910 9.620 11.660 14.017 16.839 20.212 70 4.073 5.217 6.940 8.435 10.455 12.894 15.751 19.107 22.999 x [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT -- ------ ------ ------ ------- ------- ------- ------- 20 0.472 0.846 0.881 0.865 0.887 0.876 1.690 35 21 0.521 0.981 0.974 0.945 0.937 0.928 1.770 36 22 0.480 0.908 0.895 0.886 0.914 0.908 1.880 37 23 0.448 0.855 0.855 0.879 0.913 0.921 2.000 38 24 0.423 0.844 0.855 0.884 0.950 0.971 2.140 39 25 0.417 0.859 0.885 0.942 1.014 1.048 2.290 40 26 0.437 0.906 0.968 1.011 1.100 1.152 2.470 41 27 0.465 0.992 1.054 1.108 1.205 1.270 2.650 42 28 0.509 1.081 1.147 1.194 1.307 1.380 2.860 43 29 0.567 1.213 1.263 1.312 1.424 1.509 3.070 44 30 0.625 1.335 1.386 1.429 1.544 1.639 3.320 45 31 0.677 1.449 1.506 1.545 1.674 1.797 3.590 46 32 0.732 1.576 1.642 1.686 1.842 2.002 3.880 47 33 0.789 1.710 1.783 1.862 2.067 2.264 4.190 48 34 0.833 1.814 1.922 2.053 2.306 2.557 4.540 49 35 0.901 1.989 2.138 2.302 2.604 2.911 4.910 50 36 0.996 2.232 2.408 2.609 2.960 3.313 5.350 51 37 1.110 2.508 2.703 2.930 3.331 3.732 5.860 52 38 1.238 2.813 3.022 3.259 3.706 4.183 6.430 53 39 1.377 3.152 3.363 3.614 4.122 4.659 7.090 54 40 1.535 3.528 3.732 4.017 4.561 5.198 7.820 55 41 1.702 3.940 4.173 4.459 5.078 5.834 8.630 56 42 1.881 4.417 4.667 4.992 5.701 6.580 9.490 57 43 2.079 4.924 5.238 5.642 6.444 7.445 10.420 58 44 2.280 5.484 5.897 6.395 7.315 8.424 11.470 59 45 2.506 6.123 6.629 7.239 8.286 9.586 12.640 60 46 2.765 6.811 7.424 8.153 9.396 10.879 13.940 61 47 3.068 7.574 8.271 9.165 10.605 12.311 15.420 62 48 3.415 8.393 9.201 10.219 11.877 13.867 17.110 63 49 3.801 9.325 10.183 11.318 13.245 15.548 19.020 64 50 4.235 10.305 11.218 12.498 14.712 17.366 21.130 65 51 4.689 11.360 12.422 13.925 16.545 19.686 23.400 66 52 5.154 12.507 13.832 15.693 18.807 22.657 25.860 67 53 5.622 13.663 15.244 17.415 20.991 25.530 28.500 68 54 6.108 14.909 16.827 19.434 23.692 28.500 31.380 69 55 6.622 16.182 18.435 21.471 26.379 31.380 34.630 70 56 7.169 17.557 20.247 23.788 29.432 34.630 38.310 71 57 7.767 18.997 22.187 26.252 32.543 38.310 42.560 72 58 8.431 20.556 24.362 29.073 36.095 42.560 47.440 73 59 9.168 22.316 26.911 32.508 40.660 47.440 52.920 74 60 9.986 24.190 29.578 36.054 45.267 52.920 58.800 75 61 10.894 26.396 32.459 39.894 50.624 58.800 65.060 76 62 11.901 28.787 35.463 43.823 55.800 65.060 71.640 77 63 12.980 31.453 39.012 48.507 62.286 71.640 78.470 78 64 14.139 34.510 43.029 53.964 69.849 78.470 85.720 79 65 15.479 38.138 47.867 60.471 78.470 85.720 93.670 80 66 17.047 42.591 53.705 68.214 85.720 93.670 102.520 81 67 18.970 48.030 60.664 77.241 93.670 102.520 112.520 82 68 21.338 54.459 68.648 87.366 102.520 112.520 123.790 83 69 24.163 61.800 77.625 98.484 112.520 123.790 136.110 84 70 27.414 70.329 87.976 111.247 123.790 136.110 149.200 85
6/30/93 TLevel 10 MALE SMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS NONREENTRANT MORTALITY YEARS 11+
X [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 -- ------ ------ ------ ------ ------ ------ ------ ------ 20 0.732 1.359 1.469 1.462 1.476 1.423 1.425 1.409 21 1.060 1.257 1.396 1.402 1.426 1.396 1.462 1.497 22 0.941 1.128 1.272 1.275 1.294 1.309 1.342 1.389 23 0.847 1.009 1.153 1.153 1.196 1.212 1.256 1.322 24 0.747 0.894 1.023 1.061 1.103 1.144 1.190 1.260 25 0.679 0.803 0.946 0.985 1.062 1.120 1.172 1.248 26 0.640 0.768 0.898 0.958 1.064 1.143 1.204 1.294 27 0.639 0.747 0.884 0.973 1.087 1.188 1.277 1.385 28 0.653 0.768 0.911 1.007 1.130 1.261 1.367 1.507 29 0.693 0.816 0.957 1.063 1.216 1.367 1.507 1.675 30 0.738 0.871 1.024 1.132 1.302 1.487 1.640 1.852 31 0.768 0.922 1.077 1.211 1.386 1.596 1.790 2.015 32 0.794 0.958 1.141 1.277 1.476 1.715 1.947 2.201 33 0.797 0.984 1.183 1.351 1.589 1.854 2.114 2.396 34 0.779 0.987 1.214 1.413 1.683 1.974 2.255 2.566 35 0.790 1.027 1.291 1.536 1.826 2.162 2.467 2.813 36 0.812 1.097 1.413 1.689 2.038 2.407 2.764 3.139 37 0.867 1.190 1.554 1.883 2.276 2.691 3.078 3.505 38 0.943 1.312 1.747 2.115 2.553 3.004 3.432 3.920 39 1.038 1.483 1.966 2.373 2.846 3.358 3.833 4.348 40 1.157 1.668 2.211 2.669 3.178 3.734 4.248 4.816 41 1.279 1.855 2.483 2.980 3.544 4.136 4.679 5.301 42 1.402 2.056 2.746 3.300 3.911 4.554 5.150 5.829 43 1.526 2.247 3.017 3.610 4.281 4.987 5.628 6.348 44 1.652 2.445 3.278 3.934 4.654 5.426 6.108 6.858 45 1.793 2.646 3.553 4.284 5.069 5.893 6.618 7.398 46 1.927 2.849 3.843 4.663 5.536 6.415 7.183 8.026 47 2.063 3.086 4.183 5.082 6.070 7.019 7.837 8.751 48 2.200 3.350 4.565 5.554 6.683 7.748 8.638 9.631 49 2.349 3.630 4.977 6.079 7.357 8.562 9.568 10.655 50 2.494 3.940 5.419 6.640 8.053 9.417 10.554 11.744 51 2.646 4.257 5.896 7.222 8.751 10.277 11.531 12.834 52 2.806 4.596 6.382 7.808 9.432 11.079 12.446 13.807 53 2.976 4.933 6.862 8.365 10.080 11.795 13.197 14.658 54 3.167 5.276 7.337 8.916 10.707 12.412 13.864 15.455 55 3.364 5.649 7.855 9.504 11.312 13.046 14.553 16.229 56 3.603 6.064 8.434 10.134 11.970 13.750 15.319 17.095 57 3.893 6.559 9.080 10.862 12.732 14.593 16.249 18.088 58 4.236 7.133 9.861 11.748 13.688 15.673 17.393 19.276 59 4.629 7.802 10.774 12.776 14.863 16.966 18.743 20.634 60 5.070 8.550 11.771 13.912 16.197 18.403 20.225 22.141 61 5.587 9.335 12.806 15.121 17.588 19.899 21.783 23.737 62 6.160 10.125 13.824 16.365 18.944 21.400 23.346 25.413 63 6.791 11.021 14.936 17.611 20.259 22.802 24.838 27.043 64 7.485 12.064 16.170 18.865 21.550 24.182 26.301 28.632 65 8.239 13.129 17.434 20.086 22.880 25.628 27.841 30.410 66 9.031 14.128 18.578 21.279 24.263 27.200 29.652 32.534 67 9.888 14.946 19.497 22.429 25.715 29.019 31.832 35.169 68 10.783 15.631 20.246 23.499 27.268 31.129 34.532 38.665 69 11.733 16.278 20.920 24.538 28.905 33.543 37.915 42.846 70 12.721 16.839 21.530 25.516 30.606 36.362 41.741 47.621 X [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT -- ------ ------ ------- ------- ------- ------- ------- ------- 20 1.424 1.466 2.100 2.170 2.240 2.350 2.242 2.630 35 21 1.581 1.693 2.170 2.240 2.350 2.480 2.390 2.810 36 22 1.493 1.607 2.240 2.350 2.480 2.492 2.351 3.040 37 23 1.412 1.531 2.350 2.480 2.527 2.524 2.371 3.300 38 24 1.355 1.482 2.480 2.601 2.596 2.651 2.548 3.600 39 25 1.355 1.496 2.630 2.754 2.793 2.873 2.783 3.940 40 26 1.417 1.575 2.810 3.040 3.044 3.150 3.104 4.340 41 27 1.527 1.711 3.040 3.300 3.374 3.497 3.463 4.750 42 28 1.675 1.891 3.300 3.600 3.672 3.822 3.770 5.220 43 29 1.877 2.139 3.600 3.940 4.076 4.179 4.138 5.710 44 30 2.097 2.380 3.940 4.340 4.458 4.536 4.521 6.270 45 31 2.303 2.615 4.340 4.750 4.831 4.946 4.967 6.830 46 32 2.518 2.865 4.750 5.220 5.323 5.473 5.515 7.440 47 33 2.734 3.115 5.220 5.710 5.926 6.142 6.261 8.080 48 34 2.918 3.311 5.710 6.270 6.511 6.857 7.112 8.800 49 35 3.200 3.616 6.270 6.830 7.315 7.767 8.152 9.560 50 36 3.555 4.020 6.830 7.440 8.080 8.800 9.302 10.440 51 37 3.970 4.460 7.440 8.080 8.800 9.560 10.440 11.420 52 38 4.410 4.954 8.080 8.800 9.560 10.440 11.420 12.540 53 39 4.904 5.489 8.800 9.560 10.440 11.420 12.540 13.800 54 40 5.427 6.094 9.560 10.440 11.420 12.540 13.800 15.140 55 41 5.994 6.715 10.440 11.420 12.540 13.800 15.140 16.590 56 42 6.576 7.364 11.420 12.540 13.800 15.140 16.590 18.090 57 43 7.124 8.031 12.540 13.800 15.140 16.590 18.090 19.690 58 44 7.664 8.709 13.800 15.140 16.590 18.090 19.690 21.350 59 45 8.254 9.446 15.140 16.590 18.090 19.690 21.350 23.190 60 46 8.954 10.249 16.590 18.090 19.690 21.350 23.190 25.260 61 47 9.833 11.170 18.090 19.690 21.350 23.190 25.260 27.590 62 48 10.856 12.208 19.690 21.350 23.190 25.260 27.590 30.230 63 49 11.957 13.360 21.350 23.190 25.260 27.590 30.230 33.140 64 50 13.085 14.530 23.190 25.260 27.590 30.230 33.140 36.290 65 51 14.181 15.725 25.260 27.590 30.230 33.140 36.290 39.570 66 52 15.241 16.938 27.590 30.230 33.140 36.290 39.570 43.010 67 53 16.271 18.112 30.230 33.140 36.290 39.570 43.010 46.550 68 54 17.251 19.288 33.140 36.290 39.570 43.010 46.550 50.320 69 55 18.247 20.479 36.290 39.570 43.010 46.550 50.320 54.480 70 56 19.247 21.715 39.570 43.010 46.550 50.320 54.480 59.090 71 57 20.283 23.031 43.010 46.550 50.320 54.480 59.090 64.330 72 58 21.453 24.461 46.550 50.320 54.480 59.090 64.330 70.230 73 59 22.859 26.000 50.320 54.480 59.090 64.330 70.230 76.660 74 60 24.436 27.676 54.480 59.090 64.330 70.230 76.660 83.770 75 61 26.152 29.491 59.090 64.330 70.230 76.660 83.770 91.100 76 62 27.971 31.450 64.330 70.230 76.660 83.770 91.100 98.520 77 63 29.766 33.463 70.230 76.660 83.770 91.100 98.520 105.910 78 64 31.609 35.544 76.660 83.770 91.100 98.520 105.910 113.490 79 65 33.682 37.915 83.770 91.100 98.520 105.910 113.490 121.590 80 66 36.179 40.935 91.100 98.520 105.910 113.490 121.590 130.410 81 67 39.468 44.627 98.520 105.910 113.490 121.590 130.410 140.200 82 68 43.554 49.168 105.910 113.490 121.590 130.410 140.200 151.030 83 69 48.415 54.508 113.490 121.590 130.410 140.200 151.030 162.490 84 70 53.933 60.517 121.590 130.410 140.200 151.030 162.490 174.200 85
6/30/93 TLevel 10 MALE PREFERRED SMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS NONREENTRANT MORTALITY YEARS 11+
X [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 -- ----- ----- ------ ------ ------ ------ ------ ------ 20 0.659 0.745 0.763 0.759 0.762 0.738 0.761 0.775 21 0.616 0.690 0.725 0.728 0.736 0.724 0.781 0.823 22 0.546 0.619 0.661 0.663 0.668 0.678 0.717 0.764 23 0.492 0.553 0.599 0.599 0.618 0.628 0.671 0.727 24 0.434 0.490 0.532 0.551 0.570 0.593 0.636 0.693 25 0.394 0.441 0.492 0.512 0.548 0.581 0.626 0.687 26 0.372 0.421 0.467 0.498 0.550 0.592 0.643 0.712 27 0.371 0.410 0.459 0.506 0.561 0.616 0.682 0.762 28 0.379 0.421 0.473 0.523 0.584 0.654 0.730 0.829 29 0.402 0.447 0.497 0.552 0.628 0.709 0.805 0.922 30 0.429 0.478 0.532 0.588 0.672 0.771 0.876 1.019 31 0.446 0.505 0.559 0.629 0.716 0.827 0.956 1.109 32 0.461 0.526 0.593 0.664 0.762 0.889 1.040 1.211 33 0.463 0.540 0.614 0.702 0.820 0.961 1.129 1.318 34 0.453 0.541 0.630 0.734 0.869 1.023 1.205 1.412 35 0.458 0.563 0.671 0.798 0.943 1.121 1.318 1.548 36 0.471 0.601 0.734 0.878 1.052 1.248 1.477 1.727 37 0.503 0.652 0.807 0.978 1.175 1.395 1.644 1.929 38 0.548 0.720 0.908 1.099 1.318 1.558 1.833 2.157 39 0.603 0.813 1.022 1.233 1.469 1.741 2.048 2.392 40 0.672 0.915 1.149 1.386 1.641 1.936 2.269 2.650 41 0.742 1.017 1.290 1.548 1.830 2.144 2.499 2.917 42 0.814 1.127 1.427 1.714 2.020 2.361 2.751 3.207 43 0.886 1.232 1.567 1.875 2.211 2.585 3.006 3.493 44 0.959 1.341 1.703 2.044 2.403 2.813 3.263 3.773 45 1.041 1.451 1.846 2.226 2.617 3.055 3.535 4.071 46 1.119 1.562 1.996 2.423 2.858 3.326 3.837 4.416 47 1.198 1.693 2.173 2.640 3.134 3.639 4.186 4.815 48 1.277 1.837 2.372 2.885 3.451 4.017 4.614 5.299 49 1.364 1.991 2.585 3.158 3.799 4.439 5.111 5.862 50 1.448 2.161 2.815 3.450 4.158 4.882 5.638 6.462 51 1.536 2.334 3.063 3.752 4.518 5.328 6.160 7.061 52 1.629 2.520 3.316 4.056 4.870 5.743 6.649 7.597 53 1.728 2.705 3.565 4.346 5.205 6.115 7.050 8.065 54 1.839 2.893 3.812 4.632 5.528 6.434 7.406 8.504 55 1.954 3.098 4.081 4.938 5.841 6.763 7.774 8.929 56 2.092 3.325 4.381 5.265 6.181 7.128 8.183 9.406 57 2.260 3.597 4.717 5.643 6.574 7.565 8.680 9.952 58 2.460 3.912 5.123 6.104 7.068 8.125 9.291 10.606 59 2.688 4.278 5.597 6.638 7.674 8.795 10.012 11.353 60 2.944 4.689 6.115 7.228 8.363 9.540 10.804 12.182 61 3.244 5.119 6.653 7.856 9.081 10.316 11.636 13.060 62 3.577 5.552 7.182 8.502 9.781 11.094 12.472 13.982 63 3.943 6.044 7.760 9.150 10.460 11.820 13.269 14.879 64 4.346 6.616 8.400 9.801 11.127 12.536 14.050 15.753 65 4.784 7.200 9.057 10.435 11.813 13.286 14.873 16.732 66 5.244 7.747 9.652 11.055 12.528 14.100 15.840 17.900 67 5.741 8.196 10.129 11.652 13.278 15.044 17.004 19.350 68 6.261 8.572 10.519 12.209 14.079 16.138 18.447 21.273 69 6.812 8.927 10.868 12.748 14.924 17.389 20.254 23.574 70 7.386 9.234 11.185 13.256 15.803 18.850 22.298 26.201 X [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT -- ------ ------ ------ ------- ------- ------- ------- ------- 20 0.806 0.853 1.540 1.677 1.752 1.869 1.927 2.630 35 21 0.895 0.986 1.852 1.900 1.965 2.021 2.054 2.810 36 22 0.845 0.936 1.745 1.783 1.879 1.978 2.051 3.040 37 23 0.799 0.891 1.683 1.736 1.874 2.016 2.096 3.300 38 24 0.767 0.863 1.701 1.746 1.925 2.116 2.246 3.600 39 25 0.767 0.871 1.740 1.846 2.069 2.295 2.450 3.940 40 26 0.802 0.917 1.878 2.039 2.255 2.517 2.733 4.340 41 27 0.864 0.996 2.078 2.259 2.498 2.796 3.050 4.750 42 28 0.948 1.101 2.301 2.483 2.730 3.070 3.342 5.220 43 29 1.062 1.246 2.614 2.773 3.035 3.370 3.681 5.710 44 30 1.187 1.386 2.916 3.077 3.331 3.681 4.041 6.270 45 31 1.303 1.523 3.204 3.371 3.627 4.030 4.455 6.830 46 32 1.425 1.668 3.513 3.700 3.999 4.460 4.941 7.440 47 33 1.547 1.813 3.841 4.059 4.444 4.984 5.567 8.080 48 34 1.651 1.928 4.115 4.399 4.875 5.542 6.266 8.800 49 35 1.811 2.105 4.541 4.878 5.451 6.238 7.110 9.560 50 36 2.011 2.340 5.079 5.482 6.159 7.069 8.046 10.440 51 37 2.246 2.597 5.695 6.141 6.897 7.913 8.999 11.420 52 38 2.495 2.884 6.372 6.847 7.626 8.742 9.958 12.540 53 39 2.775 3.196 7.123 7.581 8.397 9.596 10.972 13.800 54 40 3.070 3.549 7.937 8.355 9.211 10.502 12.088 15.140 55 41 3.391 3.910 8.808 9.227 10.114 11.549 13.351 16.590 56 42 3.721 4.288 9.753 10.214 11.184 12.759 14.807 18.090 57 43 4.031 4.676 10.762 11.333 12.441 14.187 16.465 19.690 58 44 4.336 5.071 11.842 12.565 13.870 15.831 18.342 21.350 59 45 4.670 5.500 13.010 13.897 15.430 17.657 20.409 23.190 60 46 5.066 5.967 14.227 15.295 17.105 19.575 22.667 25.260 61 47 5.563 6.504 15.534 16.765 18.788 21.616 25.176 27.590 62 48 6.142 7.108 16.926 18.212 20.481 23.747 27.590 30.230 63 49 6.766 7.779 18.356 19.694 22.237 25.978 30.230 33.140 64 50 7.404 8.460 19.816 21.254 24.078 28.305 33.140 36.290 65 51 8.024 9.156 21.399 23.070 26.309 31.200 36.290 39.570 66 52 8.624 9.862 23.082 25.193 29.061 34.785 39.570 43.010 67 53 9.206 10.546 24.697 27.185 31.601 38.041 43.010 46.550 68 54 9.761 11.231 26.368 29.379 34.537 42.059 46.550 50.320 69 55 10.324 11.924 28.001 31.492 37.344 45.818 50.320 54.480 70 56 10.890 12.644 29.709 33.839 40.465 50.016 54.480 59.090 71 57 11.477 13.410 31.419 36.266 43.675 54.078 59.090 64.330 72 58 12.139 14.242 33.197 38.957 47.290 58.624 64.330 70.230 73 59 12.934 15.139 35.191 42.092 51.680 64.330 70.230 76.660 74 60 13.826 16.115 37.229 45.220 55.976 70.160 76.660 83.770 75 61 14.797 17.171 39.646 48.409 60.412 76.510 83.770 91.100 76 62 15.827 18.312 42.170 51.560 64.661 82.702 91.100 98.520 77 63 16.842 19.484 44.922 55.267 70.177 90.523 98.520 105.910 78 64 17.885 20.696 48.053 59.807 76.552 98.520 105.910 113.490 79 65 19.058 22.076 52.140 65.313 84.152 105.910 113.490 121.590 80 66 20.471 23.834 57.175 71.965 93.123 113.490 121.590 130.410 81 67 22.332 25.985 63.303 79.805 103.422 121.590 130.410 140.200 82 68 24.644 28.628 70.395 88.559 114.639 130.410 140.200 151.030 83 69 27.394 31.738 78.259 98.073 126.476 140.200 151.030 162.490 84 70 30.516 35.237 87.225 108.797 139.786 151.030 162.490 174.200 85
6/30/93 TLevel 10 FEMALE NONSMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS NONREENTRANT MORTALITY YEARS 11+
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 -- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ 20 0.362 0.430 0.441 0.437 0.435 0.416 0.423 0.420 0.431 0.445 21 0.379 0.418 0.431 0.426 0.421 0.403 0.418 0.425 0.444 0.464 22 0.361 0.402 0.421 0.416 0.412 0.402 0.411 0.417 0.440 0.467 23 0.353 0.390 0.415 0.410 0.410 0.404 0.412 0.423 0.447 0.480 24 0.338 0.376 0.403 0.407 0.411 0.410 0.417 0.433 0.464 0.505 25 0.329 0.362 0.394 0.403 0.417 0.420 0.433 0.456 0.494 0.542 26 0.314 0.346 0.377 0.390 0.413 0.426 0.445 0.475 0.519 0.579 27 0.314 0.340 0.370 0.393 0.421 0.446 0.477 0.513 0.570 0.641 28 0.319 0.344 0.373 0.400 0.434 0.470 0.507 0.559 0.627 0.710 29 0.329 0.352 0.380 0.413 0.458 0.500 0.553 0.616 0.695 0.793 30 0.342 0.370 0.403 0.436 0.487 0.545 0.604 0.682 0.777 0.885 31 0.349 0.387 0.420 0.463 0.518 0.586 0.659 0.740 0.854 0.971 32 0.351 0.392 0.434 0.481 0.544 0.619 0.704 0.797 0.917 1.045 33 0.344 0.393 0.443 0.501 0.576 0.657 0.753 0.852 0.978 1.118 34 0.333 0.394 0.454 0.522 0.608 0.699 0.801 0.909 1.042 1.189 35 0.332 0.405 0.476 0.559 0.651 0.754 0.862 0.984 1.130 1.284 36 0.332 0.419 0.505 0.598 0.704 0.814 0.939 1.068 1.222 1.390 37 0.344 0.440 0.540 0.646 0.762 0.884 1.016 1.160 1.328 1.515 38 0.370 0.481 0.599 0.716 0.846 0.978 1.123 1.287 1.477 1.686 39 0.403 0.537 0.666 0.795 0.935 1.083 1.245 1.429 1.646 1.872 40 0.435 0.585 0.727 0.869 1.015 1.172 1.355 1.557 1.791 2.043 41 0.465 0.631 0.793 0.944 1.101 1.275 1.467 1.684 1.943 2.219 42 0.505 0.693 0.870 1.037 1.217 1.407 1.618 1.855 2.143 2.455 43 0.534 0.736 0.929 1.113 1.309 1.513 1.736 1.990 2.295 2.659 44 0.562 0.779 0.991 1.191 1.397 1.616 1.856 2.125 2.452 2.865 45 0.592 0.827 1.054 1.273 1.493 1.728 1.987 2.275 2.623 3.090 46 0.624 0.873 1.118 1.359 1.604 1.858 2.139 2.451 2.828 3.346 47 0.655 0.928 1.194 1.457 1.737 2.016 2.316 2.655 3.098 3.640 48 0.685 0.987 1.281 1.571 1.895 2.207 2.535 2.913 3.412 3.974 49 0.716 1.051 1.377 1.704 2.069 2.421 2.798 3.214 3.753 4.339 50 0.747 1.125 1.484 1.844 2.246 2.652 3.077 3.536 4.095 4.722 51 0.800 1.231 1.638 2.036 2.487 2.952 3.433 3.942 4.544 5.231 52 0.859 1.347 1.800 2.244 2.734 3.250 3.781 4.342 4.999 5.747 53 0.924 1.468 1.972 2.452 2.985 3.531 4.104 4.719 5.443 6.267 54 0.998 1.600 2.150 2.668 3.234 3.804 4.414 5.075 5.886 6.805 55 1.080 1.748 2.351 2.902 3.499 4.092 4.725 5.435 6.347 7.372 56 1.180 1.916 2.575 3.168 3.790 4.399 5.073 5.836 6.832 7.984 57 1.302 2.114 2.839 3.476 4.111 4.762 5.486 6.302 7.354 8.654 58 1.446 2.354 3.156 3.835 4.508 5.214 5.992 6.859 7.948 9.390 59 1.618 2.635 3.517 4.253 4.991 5.760 6.595 7.503 8.652 10.208 60 1.814 2.946 3.919 4.722 5.549 6.381 7.272 8.225 9.460 11.117 61 2.038 3.281 4.346 5.237 6.155 7.051 8.002 9.019 10.358 12.112 62 2.292 3.627 4.788 5.789 6.774 7.747 8.772 9.878 11.327 13.213 63 2.576 4.029 5.284 6.366 7.402 8.442 9.548 10.748 12.331 14.374 64 2.897 4.505 5.845 6.967 8.053 9.160 10.337 11.641 13.387 15.612 65 3.257 5.009 6.439 7.587 8.747 9.925 11.194 12.641 14.588 17.025 66 3.649 5.508 7.018 8.223 9.484 10.776 12.189 13.829 16.019 18.687 67 4.081 5.959 7.534 8.862 10.282 11.754 13.380 15.283 17.766 20.726 68 4.552 6.376 8.000 9.498 11.148 12.894 14.839 17.081 19.945 23.222 69 5.067 6.789 8.456 10.141 12.083 14.204 16.564 19.257 22.547 26.198 70 5.618 7.184 8.897 10.782 13.080 15.653 18.552 21.766 25.560 29.619 X [x)+10 [x)+11 [x]+12 [x]+13 [x)+14 ULT -- ------ ------ ------ ------ ------- ------- 20 0.559 0.561 0.534 0.524 0.478 1.470 35 21 0.619 0.590 0.575 0.553 0.526 1.560 36 22 0.647 0.613 0.608 0.609 0.594 1.670 37 23 0.713 0.674 0.682 0.686 0.652 1.790 38 24 0.827 0.780 0.801 0.814 0.784 1.930 39 25 0.944 0.922 0.953 0.966 0.933 2.080 40 26 1.056 1.053 1.064 1.084 1.058 2.260 41 27 1.210 1.204 1.215 1.230 1.200 2.440 42 28 1.345 1.329 1.322 1.339 1.299 2.620 43 29 1.515 1.463 1.448 1.449 1.414 2.800 44 30 1.708 1.642 1.609 1.599 1.569 2.990 45 31 1.890 1.818 1.770 1.770 1.750 3.190 46 32 2.031 1.947 1.894 1.892 1.881 3.410 47 33 2.202 2.126 2.106 2.147 2.170 3.650 48 34 2.379 2.329 2.362 2.446 2.511 3.900 49 35 2.603 2.581 2.637 2.741 2.831 4.190 50 36 2.863 2.858 2.938 3.066 3.174 4.500 51 37 3.159 3.151 3.239 3.392 3.519 4.850 52 38 3.549 3.521 3.588 3.751 3.891 5.260 53 39 3.900 3.954 4.034 4.229 4.416 5.680 54 40 4.190 4.314 4.398 4.602 4.843 6.130 55 41 4.500 4.737 4.822 5.081 5.422 6.590 56 42 4.850 5.260 5.414 5.726 6.147 7.050 57 43 5.260 5.680 6.048 6.433 6.960 7.490 58 44 5.680 6.130 6.590 7.050 7.490 7.960 59 45 6.130 6.590 7.050 7.490 7.960 8.510 60 46 6.590 7.050 7.490 7.960 8.510 9.160 61 47 7.050 7.490 7.960 8.510 9.160 9.980 62 48 7.490 7.960 8.510 9.160 9.980 11.010 63 49 7.960 8.510 9.160 9.980 11.010 12.230 64 50 8.510 9.160 9.980 11.010 12.230 13.550 65 51 9.160 9.980 11.010 12.230 13.550 14.970 66 52 9.980 11.010 12.230 13.550 14.970 16.410 67 53 11.010 12.230 13.550 14.970 16.410 17.860 68 54 12.230 13.550 14.970 16.410 17.860 19.410 69 55 13.550 14.970 16.410 17.860 19.410 21.200 70 56 14.970 16.410 17.860 19.410 21.200 23.340 71 57 16.410 17.860 19.410 21.200 23.340 25.990 72 58 17.860 19.410 21.200 23.340 25.990 29.220 73 59 19.410 21.200 23.340 25.990 29.220 33.220 74 60 21.200 23.340 25.990 29.220 33.220 37.320 75 61 23.340 25.990 29.220 33.220 37.320 42.040 76 62 25.990 29.220 33.220 37.320 42.040 47.110 77 63 29.220 33.220 37.320 42.040 47.110 52.530 78 64 33.220 37.320 42.040 47.110 52.530 58.450 79 65 37.320 42.040 47.110 52.530 58.450 65.120 80 66 42.040 47.110 52.530 58.450 65.120 72.760 81 67 47.110 52.530 58.450 65.120 72.760 81.590 82 68 52.530 58.450 65.120 72.760 81.590 91.760 83 69 58.450 65.120 72.760 81.590 91.760 103.030 84 70 65.120 72.760 81.590 91.760 103.030 115.380 85
6/30/93 TLevel 10 FEMALE PREFERRED NONSMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS NONREENTRANT MORTALITY YEARS 11+
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 (X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT -- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------- ------- 20 0.269 0.221 0.242 0.240 0.244 0.239 0.250 0.255 0.268 0.283 0.439 0.468 0.458 0.483 0.482 1.470 35 21 0.194 0.214 0.237 0.234 0.236 0.232 0.247 0.258 0.276 0.295 0.480 0.491 0.490 0.510 0.525 1.560 36 22 0.185 0.206 0.232 0.229 0.230 0.231 0.243 0.254 0.274 0.297 0.499 0.508 0.516 0.554 0.582 1.670 37 23 0.181 0.200 0.228 0.225 0.229 0.232 0.243 0.257 0.277 0.306 0.540 0.549 0.570 0.615 0.634 1.790 38 24 0.174 0.193 0.222 0.224 0.230 0.236 0.246 0.264 0.288 0.321 0.613 0.621 0.654 0.712 0.739 1.930 39 25 0.169 0.186 0.217 0.222 0.233 0.241 0.255 0.277 0.307 0.345 0.689 0.719 0.765 0.829 0.861 2.080 40 26 0.161 0.178 0.207 0.214 0.231 0.245 0.263 0.289 0.323 0.369 0.763 0.811 0.848 0.923 0.967 2.260 41 27 0.161 0.175 0.204 0.216 0.236 0.256 0.282 0.312 0.354 0.408 0.866 0.918 0.960 1.040 1.087 2.440 42 28 0.164 0.177 0.205 0.220 0.243 0.270 0.299 0.340 0.390 0.452 0.960 1.012 1.047 1.135 1.183 2.620 43 29 0.169 0.181 0.209 0.227 0.256 0.287 0.327 0.374 0.431 0.505 1.078 1.116 1.150 1.234 1.291 2.800 44 30 0.175 0.190 0.221 0.240 0.272 0.313 0.357 0.415 0.482 0.563 1.211 1.248 1.274 1.359 1.427 2.990 45 31 0.179 0.198 0.231 0.254 0.290 0.337 0.389 0.450 0.530 0.618 1.337 1.378 1.400 1.500 1.583 3.190 46 32 0.180 0.201 0.239 0.264 0.304 0.356 0.416 0.485 0.569 0.665 1.437 1.480 1.504 1.610 1.711 3.410 47 33 0.176 0.202 0.243 0.275 0.322 0.378 0.445 0.518 0.607 0.712 1.556 1.611 1.664 1.812 1.948 3.650 48 34 0.171 0.202 0.250 0.287 0.340 0.402 0.473 0.553 0.647 0.757 1.678 1.759 1.854 2.045 2.223 3.900 49 35 0.171 0.208 0.262 0.307 0.364 0.433 0.509 0.598 0.702 0.817 1.831 1.940 2.059 2.277 2.485 4.190 50 36 0.171 0.215 0.278 0.329 0.394 0.468 0.554 0.649 0.759 0.885 2.008 2.137 2.282 2.531 2.768 4.500 51 37 0.177 0.226 0.297 0.355 0.427 0.508 0.600 0.706 0.825 0.964 2.208 2.348 2.507 2.788 3.057 4.850 52 38 0.190 0.247 0.329 0.394 0.474 0.562 0.663 0.783 0.917 1.073 2.470 2.612 2.769 3.073 3.374 5.260 53 39 0.207 0.275 0.366 0.437 0.523 0.622 0.735 0.869 1.022 1.192 2.771 2.919 3.098 3.448 3.808 5.680 54 40 0.223 0.300 0.400 0.478 0.568 0.674 0.800 0.947 1.112 1.300 3.035 3.180 3.375 3.749 4.170 6.130 55 41 0.239 0.324 0.436 0.519 0.616 0.733 0.866 1.024 1.207 1.412 3.322 3.490 3.702 4.140 4.662 6.590 56 42 0.259 0.356 0.478 0.570 0.681 0.808 0.955 1.128 1.330 1.562 3.717 3.909 4.148 4.652 5.263 7.050 57 43 0.274 0.378 0.511 0.612 0.732 0.870 1.025 1.210 1.425 1.692 4.069 4.316 4.625 5.210 5.929 7.490 58 44 0.288 0.400 0.545 0.655 0.782 0.929 1.096 1.292 1.522 1.823 4.447 4.779 5.170 5.860 6.683 7.960 59 45 0.304 0.424 0.579 0.700 0.835 0.993 1.173 1.384 1.629 1.967 4.872 5.285 5.776 6.583 7.549 8.510 60 46 0.320 0.448 0.615 0.747 0.898 1.068 1.263 1.490 1.756 2.129 5.318 5.825 6.427 7.379 8.510 9.160 61 47 0.336 0.476 0.656 0.801 0.972 1.159 1.367 1.615 1.923 2.317 5.779 6.333 7.010 8.078 9.160 9.980 62 48 0.351 0.506 0.704 0.864 1.060 1.269 1.497 1.771 2.119 2.530 6.261 6.847 7.585 8.765 9.980 11.010 63 49 0.368 0.539 0.757 0.937 1.157 1.391 1.652 1.954 2.330 2.762 6.770 7.364 8.141 9.465 11.010 12.230 64 50 0.383 0.577 0.816 1.014 1.257 1.524 1.817 2.150 2.543 3.005 7.316 7.950 8.844 10.390 12.230 13.550 65 51 0.410 0.632 0.900 1.120 1.392 1.697 2.027 2.397 2.822 3.329 8.037 8.742 9.741 11.505 13.550 14.970 66 52 0.441 0.691 0.989 1.233 1.530 1.868 2.232 2.641 3.104 3.658 8.793 9.600 10.741 12.717 14.970 16.410 67 53 0.474 0.753 1.084 1.348 1.670 2.029 2.423 2.869 3.380 3.989 9.570 10.501 11.798 13.997 16.410 17.860 68 54 0.512 0.821 1.182 1.467 1.810 2.186 2.606 3.086 3.655 4.331 10.371 11.443 12.898 15.362 17.860 19.410 69 55 0.554 0.897 1.292 1.596 1.958 2.352 2.790 3.305 3.941 4.692 11.225 12.455 14.094 16.868 19.410 21.200 70 56 0.606 0.983 1.416 1.742 2.120 2.528 2.995 3.549 4.242 5.082 12.143 13.582 15.452 18.562 21.200 23.340 71 57 0.668 1.085 1.561 1.911 2.301 2.737 3.239 3.832 4.566 5.508 13.132 14.879 17.049 20.490 23.340 25.990 72 58 0.742 1.208 1.735 2.108 2.522 2.997 3.538 4.171 4.935 5.976 14.204 16.336 18.860 22.684 25.990 29.220 73 59 0.830 1.352 1.934 2.338 2.792 3.310 3.894 4.562 5.373 6.497 15.367 17.909 20.859 25.153 29.220 33.220 74 60 0.931 1.512 2.154 2.596 3.105 3.667 4.294 5.002 5.875 7.076 16.634 19.659 23.079 27.905 33.220 37.320 75 61 1.046 1.683 2.390 2.879 3.444 4.052 4.725 5.485 6.432 7.709 18.156 21.589 25.593 31.297 37.320 42.040 76 62 1.176 1.861 2.632 3.183 3.791 4.452 5.179 6.007 7.034 8.410 19.846 23.742 28.407 35.029 42.040 47.110 77 63 1.322 2.067 2.905 3.500 4.142 4.852 5.637 6.536 7.657 9.149 21.762 26.352 31.953 39.980 47.110 52.530 78 64 1.487 2.312 3.213 3.830 4.506 5.264 6.103 7.079 8.313 9.937 23.825 29.054 35.581 44.876 52.530 58.460 79 65 1.671 2.570 3.540 4.171 4.894 5.704 6.609 7.687 9.058 10.836 26.410 32.612 40.433 51.615 58.450 65.120 80 66 1.872 2.826 3.858 4.521 5.307 6.193 7.196 8.409 9.947 11.894 29.447 36.535 45.567 58.450 65.120 72.760 81 67 2.094 3.058 4.142 4.872 5.753 6.755 7.900 9.293 11.032 13.192 33.281 41.568 52.212 65.120 72.760 81.590 82 68 2.336 3.272 4.398 5.222 6.238 7.410 8.761 10.387 12.385 14.780 37.651 46.948 58.892 72.760 81.590 91.760 83 69 2.600 3.484 4.649 5.575 6.761 8.163 9.779 11.710 14.001 16.675 42.828 53.411 67.000 81.590 91.760 103.030 84 70 2.883 3.686 4.892 5.928 7.319 8.996 10.953 13.235 15.872 18.852 48.829 60.840 76.309 91.760 103.030 115.380 85
6/30/93 TLevel 10 FEMALE SMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS NONREENTRANT MORTALITY YEAR 11+
X [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ----- ------ ------ ------ ------ ------ ------ ------ 20 0.362 0.709 0.780 0.787 0.807 0.791 0.808 0.809 21 0.589 0.700 0.777 0.780 0.795 0.781 0.815 0.842 22 0.572 0.685 0.772 0.775 0.790 0.796 0.823 0.853 23 0.569 0.677 0.774 0.778 0.804 0.822 0.853 0.896 24 0.555 0.665 0.765 0.790 0.829 0.861 0.895 0.951 25 0.549 0.651 0.765 0.803 0.867 0.913 0.960 1.029 26 0.533 0.636 0.751 0.803 0.890 0.960 1.017 1.097 27 0.545 0.643 0.762 0.838 0.940 1.033 1.114 1.207 28 0.569 0.671 0.794 0.882 0.996 1.114 1.207 1.334 29 0.605 0.711 0.838 0.937 1.075 1.207 1.334 1.488 30 0.652 0.773 0.915 1.014 1.165 1.334 1.476 1.670 31 0.690 0.832 0.975 1.095 1.257 1.452 1.631 1.836 32 0.713 0.864 1.027 1.153 1.337 1.555 1.765 2.002 33 0.714 0.881 1.062 1.217 1.433 1.673 1.912 2.167 34 0.704 0.894 1.103 1.286 1.532 1.803 2.059 2.341 35 0.713 0.932 1.172 1.395 1.663 1.968 2.245 2.554 36 0.723 0.978 1.259 1.510 1.821 2.150 2.465 2.796 37 0.758 1.041 1.364 1.652 1.996 2.355 2.691 3.062 38 0.825 1.152 1.533 1.855 2.234 2.627 2.998 3.411 39 0.911 1.301 1.724 2.076 2.488 2.933 3.336 3.772 40 0.996 1.435 1.899 2.289 2.724 3.188 3.616 4.092 41 1.079 1.562 2.089 2.505 2.968 3.453 3.898 4.408 42 1.180 1.729 2.308 2.763 3.265 3.794 4.283 4.836 43 1.259 1.852 2.477 2.954 3.497 4.065 4.577 5.168 44 1.334 1.967 2.630 3.149 3.718 4.325 4.872 5.474 45 1.413 2.079 2.787 3.353 3.958 4.605 5.174 5.788 46 1.483 2.187 2.945 3.565 4.236 4.911 5.503 6.156 47 1.550 2.315 3.130 3.806 4.548 5.262 5.883 6.585 48 1.614 2.452 3.344 4.071 4.902 5.690 6.358 7.101 49 1.681 2.601 3.567 4.360 5.283 6.162 6.897 7.699 5O 1.746 2.760 3.798 4.660 5.664 6.634 7.453 8.319 51 1.853 2.983 4.137 5.080 6.165 7.258 8.168 9.109 52 1.966 3.225 4.489 5.501 6.660 7.848 8.834 9.803 53 2.088 3.470 4.834 5.907 7.141 8.371 9.370 10.402 54 2.227 3.717 5.182 6.316 7.599 8.813 9.838 10.971 55 2.370 3.989 5.564 6.746 8.031 9.258 10.331 11.520 56 2.545 4.296 5.986 7.195 8.494 9.761 10.874 12.123 57 2.757 4.655 6.447 7.708 9.038 10.358 11.524 12.823 58 3.006 5.065 6.997 8.340 9.716 11.115 12.330 13.667 59 3.287 5.536 7.648 9.069 10.541 12.027 13.289 14.630 60 3.598 6.070 8.355 9.866 11.482 13.048 14.340 15.691 61 3.966 6.626 9.082 10.719 12.470 14.109 15.437 16.824 62 4.373 7.180 9.799 11.603 13.432 15.166 16.547 18.006 63 4.816 7.813 10.590 12.487 14.357 16.161 17.599 19.137 64 5.306 8.554 11.465 13.369 15.274 17.134 18.611 20.234 65 5.841 9.309 12.355 14.236 16.211 18.135 19.675 21.435 66 6.403 10.012 13.168 15.077 17.170 19.221 20.901 22.864 67 7.007 10.593 13.814 15.871 18.173 20.454 22.370 24.619 68 7.643 11.076 14.327 16.607 19.220 21.876 24.173 26.975 69 8.313 11.519 14.784 17.296 20.313 23.481 26.452 29.796 70 9.002 11.900 15.176 17.932 21.425 25.369 29.028 32.988 X [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT --- ------ ------ ------ ------ ------ ------- ------- ------- 20 0.839 0.880 1.228 1.225 1.138 1.150 1.051 1.940 35 21 0.891 0.952 1.400 1.325 1.258 1.235 1.173 2.090 36 22 0.916 0.991 1.503 1.409 1.353 1.380 1.349 2.280 37 23 0.962 1.049 1.682 1.573 1.545 1.581 1.502 2.490 38 24 1.029 1.129 1.860 1.843 1.845 1.907 1.841 2.730 39 25 1.120 1.235 1.940 2.090 2.231 2.298 2.228 3.000 40 26 1.199 1.337 2.090 2.280 2.490 2.615 2.562 3.330 41 27 1.334 1.500 2.280 2.490 2.730 3.000 2.948 3.640 42 28 1.488 1.682 2.490 2.730 3.000 3.316 3.217 3.960 43 29 1.670 1.903 2.730 3.000 3.330 3.617 3.527 4.280 44 30 1.890 2.151 3.000 3.330 3.640 3.960 3.949 4.610 45 31 2.105 2.390 3.330 3.640 3.960 4.280 4.428 4.950 46 32 2.289 2.604 3.640 3.960 4.280 4.610 4.735 5.310 47 33 2.471 2.810 3.960 4.280 4.610 4.950 5.310 5.680 48 34 2.657 3.012 4.280 4.610 4.950 5.310 5.680 6.080 49 35 2.903 3.278 4.610 4.950 5.310 5.680 6.080 6.540 50 36 3.164 3.564 4.950 5.310 5.680 6.080 6.540 7.000 51 37 3.454 3.869 5.310 5.680 6.080 6.540 7.000 7.520 52 38 3.826 4.289 5.680 6.080 6.540 7.000 7.520 8.130 53 39 4.246 4.744 6.080 6.540 7.000 7.520 8.130 8.750 54 40 4.601 5.155 6.540 7.000 7.520 8.130 8.750 9.400 55 41 4.972 5.575 7.000 7.520 8.130 8.750 9.400 10.050 56 42 5.460 6.118 7.520 8.130 8.750 9.400 10.050 10.670 57 43 5.802 6.544 8.130 8.750 9.400 10.050 10.670 11.250 58 44 6.121 6.964 8.750 9.400 10.050 10.670 11.250 11.850 59 45 6.465 7.417 9.400 10.050 10.670 11.250 11.850 12.510 60 46 6.884 7.892 10.050 10.670 11.250 11.850 12.510 13.360 61 47 7.410 8.439 10.670 11.250 11.850 12.510 13.360 14.390 62 48 8.023 9.050 11.250 11.850 12.510 13.360 14.390 15.780 63 49 8.667 9.703 11.850 12.510 13.360 14.390 15.780 17.330 64 5O 9.287 10.317 12.510 13.360 14.390 15.780 17.330 19.070 65 51 10.069 11.158 13.360 14.390 15.780 17.330 19.070 20.790 66 52 10.815 12.024 14.390 15.780 17.330 19.070 20.790 22.580 67 53 11.550 12.856 15.780 17.330 19.070 20.790 22.580 24.200 68 54 12.245 13.679 17.330 19.070 20.790 22.580 24.200 26.020 69 55 12.940 14.517 19.070 20.790 22.580 24.200 26.020 27.950 70 56 13.644 15.396 20.790 22.580 24.200 26.020 27.950 30.450 71 57 14.381 16.330 22.580 24.200 26.020 27.950 30.450 33.550 72 58 15.211 17.335 24.200 26.020 27.950 30.450 33.550 37.330 73 59 16.200 18.428 26.020 27.950 30.450 33.550 37.330 41.740 74 60 17.319 19.610 27.950 30.450 33.550 37.330 41.740 46.640 75 61 18.530 20.869 30.450 33.550 37.330 41.740 46.640 51.920 76 62 19.794 22.225 33.550 37.330 41.740 46.640 51.920 57.460 77 63 21.035 23.587 37.330 41.740 46.640 51.920 57.460 63.280 78 64 22.280 24.979 41.740 46.640 51.920 57.460 63.280 69.410 79 65 23.671 26.542 46.640 51.920 57.460 63.280 69.410 76.260 80 66 25.327 28.559 51.920 57.460 63.280 69.410 76.260 84.000 81 67 27.536 31.035 57.460 63.280 69.410 76.260 84.000 92.840 82 68 30.289 34.060 63.280 69.410 76.260 84.000 92.840 102.870 83 69 33.539 37.619 69.410 76.260 84.000 92.840 102.870 114.650 84 70 37.222 41.618 76.260 84.000 92.840 102.870 114.650 126.420 85
6/30/93 TLevel 10 FEMALE PREFERRED SMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS NONREENTRANT MORTALITY YEAR 11+
X [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ----- ----- ----- ----- ------ ------ ------ ------ 20 0.326 0.389 0.405 0.409 0.417 0.410 0.432 0.445 21 0.342 0.384 0.404 0.405 0.410 0.405 0.435 0.463 22 0.332 0.376 0.401 0.403 0.408 0.413 0.440 0.470 23 0.330 0.371 0.402 0.404 0.415 0.426 0.456 0.493 24 0.322 0.365 0.397 0.410 0.428 0.446 0.478 0.523 25 0.319 0.357 0.397 0.417 0.448 0.473 0.513 0.566 26 0.309 0.349 0.390 0.417 0.460 0.498 0.543 0.603 27 0.316 0.353 0.396 0.435 0.485 0.536 0.595 0.664 28 0.331 0.368 0.413 0.458 0.514 0.578 0.645 0.734 29 0.351 0.390 0.436 0.487 0.555 0.626 0.713 0.819 30 0.379 0.424 0.475 0.527 0.602 0.692 0.788 0.919 31 0.400 0.456 0.507 0.569 0.649 0.753 0.871 1.010 32 0.414 0.474 0.534 0.599 0.690 0.806 0.943 1.101 33 0.415 0.483 0.552 0.632 0.740 0.867 1.022 1.192 34 0.409 0.490 0.573 0.668 0.791 0.934 1.100 1.288 35 0.414 0.511 0.609 0.725 0.859 1.020 1.199 1.405 36 0.420 0.536 0.654 0.785 0.940 1.115 1.317 1.538 37 0.440 0.571 0.708 0.858 1.031 1.221 1.437 1.685 38 0.479 0.631 0.796 0.964 1.154 1.362 1.601 1.877 39 0.529 0.714 0.896 1.079 1.285 1.521 1.782 2.075 40 0.578 0.787 0.986 1.189 1.406 1.653 1.932 2.251 41 0.626 0.857 1.085 1.301 1.532 1.790 2.082 2.425 42 0.685 0.948 1.199 1.436 1.686 1.967 2.288 2.661 43 0.731 1.016 1.287 1.535 1.806 2.108 2.445 2.843 44 0.775 1.079 1.366 1.636 1.920 2.242 2.603 3.012 45 0.820 1.140 1.448 1.742 2.043 2.387 2.764 3.185 46 0.861 1.199 1.530 1.852 2.187 2.546 2.940 3.387 47 0.900 1.269 1.626 1.977 2.348 2.728 3.143 3.623 48 0.937 1.345 1.738 2.115 2.531 2.950 3.397 3.907 49 0.976 1.426 1.853 2.265 2.728 3.195 3.685 4.236 5O 1.014 1.513 1.973 2.421 2.924 3.439 3.981 4.577 51 1.076 1.636 2.149 2.639 3.183 3.762 4.363 5.012 52 1.142 1.769 2.332 2.858 3.439 4.068 4.719 5.394 53 1.213 1.903 2.512 3.069 3.687 4.340 5.005 5.723 54 1.293 2.038 2.692 3.281 3.924 4.568 5.256 6.036 55 1.376 2.188 2.891 3.504 4.147 4.799 5.519 6.338 56 1.477 2.356 3.110 3.738 4.386 5.060 5.809 6.670 57 1.601 2.553 3.349 4.004 4.667 5.370 6.156 7.055 58 1.746 2.777 3.635 4.333 5.017 5.762 6.586 7.520 59 1.908 3.036 3.974 4.711 5.443 6.235 7.099 8.050 60 2.089 3.329 4.341 5.126 5.928 6.764 7.660 8.633 61 2.303 3.634 4.718 5.569 6.439 7.314 8.246 9.257 62 2.539 3.938 5.091 6.028 6.935 7.862 8.839 9.907 63 2.797 4.284 5.502 6.487 7.413 8.378 9.401 10.529 64 3.081 4.691 5.956 6.946 7.886 8.882 9.942 11.132 65 3.392 5.105 6.419 7.396 8.370 9.401 10.510 11.794 66 3.718 5.490 6.841 7.833 8.865 9.965 11.165 12.580 67 4.069 5.809 7.177 8.246 9.383 10.604 11.950 13.546 68 4.438 6.074 7.443 8.628 9.924 11.341 12.913 14.842 69 4.827 6.317 7.680 8.986 10.488 12.173 14.131 16.394 70 5.227 6.526 7.884 9.316 11.062 13.151 15.506 18.150 X [X]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT --- ------ ------ ------ ------ ------ ------- ------- ------- 20 0.475 0.513 0.765 0.859 0.919 1.011 1.055 1.940 35 21 0.504 0.555 0.870 0.928 1.009 1.087 1.166 2.090 36 22 0.519 0.577 0.933 0.985 1.081 1.199 1.311 2.280 37 23 0.544 0.611 1.042 1.090 1.213 1.349 1.445 2.490 38 24 0.582 0.657 1.217 1.260 1.416 1.585 1.709 2.730 39 25 0.634 0.719 1.397 1.489 1.680 1.874 2.017 3.000 40 26 0.679 0.778 1.574 1.709 1.889 2.114 2.294 3.330 41 27 0.755 0.873 1.819 1.967 2.169 2.413 2.612 3.640 42 28 0.842 0.979 2.044 2.197 2.395 2.667 2.867 3.960 43 29 0.945 1.108 2.329 2.453 2.662 2.922 3.154 4.280 44 30 1.070 1.253 2.654 2.781 2.976 3.247 3.515 4.610 45 31 1.191 1.392 2.970 3.099 3.298 3.613 3.918 4.950 46 32 1.295 1.516 3.218 3.352 3.569 3.895 4.216 5.310 47 33 1.398 1.636 3.514 3.684 3.968 4.368 4.785 5.680 48 34 1.503 1.754 3.824 4.043 4.409 4.916 5.442 6.080 49 35 1.643 1.909 4.196 4.449 4.880 5.455 6.061 6.540 50 36 1.790 2.075 4.589 4.892 5.392 6.044 6.540 7.000 51 37 1.955 2.253 5.034 5.361 5.904 6.540 7.000 7.520 52 38 2.165 2.498 5.621 5.949 6.498 7.000 7.520 8.130 53 39 2.403 2.762 6.080 6.540 7.000 7.520 8.130 8.750 54 40 2.603 3.002 6.540 7.000 7.520 8.130 8.750 9.400 55 41 2.813 3.246 7.000 7.520 8.130 8.750 9.400 10.050 56 42 3.089 3.562 7.520 8.130 8.750 9.400 10.050 10.670 57 43 3.283 3.811 8.130 8.750 9.400 10.050 10.670 11.250 58 44 3.463 4.055 8.750 9.400 10.050 10.670 11.250 11.850 59 45 3.658 4.318 9.400 10.050 10.670 11.250 11.850 12.510 60 46 3.895 4.595 10.050 10.670 11.250 11.850 12.510 13.360 61 47 4.193 4.913 10.670 11.250 11.850 12.510 13.360 14.390 62 48 4.539 5.270 11.250 11.850 12.510 13.360 14.390 15.780 63 49 4.904 5.650 11.850 12.510 13.360 14.390 15.780 17.330 64 5O 5.255 6.007 12.510 13.360 14.390 15.780 17.330 19.070 65 51 5.697 6.497 13.360 14.390 15.780 17.330 19.070 20.790 66 52 6.119 7.001 14.390 15.780 17.330 19.070 20.790 22.580 67 53 6.535 7.486 15.780 17.330 19.070 20.790 22.580 24.200 68 54 6.928 7.965 17.330 19.070 20.790 22.580 24.200 26.020 69 55 7.322 8.453 19.070 20.790 22.580 24.200 26.020 27.950 70 56 7.720 8.964 20.529 22.580 24.200 26.020 27.950 30.450 71 57 8.137 9.508 21.696 24.200 26.020 27.950 30.450 33.550 72 58 8.607 10.093 22.922 26.020 27.950 30.450 33.550 37.330 73 59 9.166 10.730 24.209 27.904 30.450 33.550 37.330 41.740 74 60 9.800 11.418 25.574 29.943 33.550 37.330 41.740 46.640 75 61 10.485 12.151 27.244 32.081 37.330 41.740 46.640 51.920 76 62 11.200 12.941 29.049 34.403 41.691 46.640 51.920 57.460 77 63 11.902 13.734 31.061 37.227 45.996 51.920 57.460 63.280 78 64 12.606 14.544 33.156 40.274 50.218 57.460 63.280 69.410 79 65 13.393 15.454 36.096 44.397 55.985 63.280 69.410 76.260 80 66 14.330 16.629 39.523 48.846 61.869 69.410 76.260 84.000 81 67 15.580 18.070 43.868 54.570 69.410 76.260 84.000 92.840 82 68 17.138 19.832 48.675 60.430 76.260 84.000 92.840 102.870 83 69 18.977 21.904 54.247 67.337 84.000 92.840 102.870 114.650 84 70 21.061 24.232 60.577 75.094 92.840 102.870 114.650 126.420 85
6/30/93 TLevel 15 MALE NONSMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS
X [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT -- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ 20 0.732 0.823 0.830 0.814 0.801 0.749 0.747 0.730 0.732 0.742 0.697 0.712 0.714 0.721 0.722 1.690 35 21 0.680 0.750 0.778 0.769 0.758 0.721 0.749 0.755 0.790 0.819 0.781 0.774 0.765 0.759 0.765 1.770 36 22 0.594 0.663 0.697 0.685 0.675 0.660 0.670 0.681 0.712 0.754 0.739 0.730 0.739 0.758 0.766 1.880 37 23 0.528 0.584 0.619 0.608 0.609 0.596 0.609 0.619 0.654 0.704 0.703 0.707 0.742 0.766 0.791 2.000 38 24 0.458 0.506 0.540 0.546 0.548 0.546 0.551 0.572 0.614 0.664 0.688 0.707 0.746 0.796 0.830 2.140 39 25 0.408 0.447 0.487 0.494 0.512 0.511 0.526 0.555 0.599 0.656 0.698 0.728 0.792 0.851 0.895 2.290 40 26 0.377 0.417 0.451 0.467 0.490 0.506 0.529 0.561 0.612 0.686 0.728 0.789 0.851 0.924 0.984 2.470 41 27 0.368 0.396 0.431 0.453 0.485 0.515 0.548 0.587 0.656 0.730 0.791 0.855 0.931 1.013 1.085 2.650 42 28 0.366 0.395 0.424 0.455 0.495 0.533 0.573 0.636 0.705 0.800 0.859 0.931 1.012 1.108 1.189 2.860 43 29 0.377 0.401 0.432 0.470 0.518 0.565 0.629 0.692 0.783 0.891 0.957 1.029 1.116 1.215 1.306 3.070 44 30 0.384 0.415 0.453 0.488 0.543 0.611 0.670 0.759 0.862 0.982 1.053 1.132 1.225 1.331 1.428 3.320 45 31 0.388 0.430 0.464 0.510 0.575 0.643 0.725 0.812 0.937 1.063 1.145 1.236 1.338 1.452 1.572 3.590 46 32 0.392 0.436 0.481 0.536 0.600 0.685 0.776 0.879 1.009 1.151 1.244 1.351 1.461 1.599 1.748 3.880 47 33 0.384 0.438 0.496 0.555 0.640 0.729 0.834 0.943 1.083 1.240 1.349 1.465 1.609 1.781 1.955 4.190 48 34 0.367 0.437 0.498 0.575 0.667 0.768 0.877 0.997 1.146 1.309 1.434 1.581 1.767 1.973 2.181 4.540 49 35 0.370 0.445 0.526 0.616 0.717 0.829 0.948 1.084 1.248 1.415 1.567 1.747 1.962 2.203 2.446 4.910 50 36 0.373 0.471 0.566 0.670 0.788 0.912 1.053 1.201 1.372 1.564 1.744 1.946 2.193 2.471 2.749 5.350 51 37 0.394 0.503 0.617 0.737 0.870 1.011 1.165 1.328 1.523 1.744 1.941 2.166 2.442 2.756 3.075 5.860 52 38 0.423 0.550 0.683 0.817 0.968 1.120 1.285 1.477 1.701 1.945 2.156 2.405 2.704 3.056 3.441 6.430 53 39 0.460 0.612 0.760 0.909 1.071 1.239 1.428 1.646 1.898 2.164 2.395 2.663 2.990 3.395 3.830 7.090 54 40 0.506 0.680 0.847 1.015 1.184 1.370 1.590 1.830 2.109 2.412 2.657 2.944 3.316 3.754 4.263 7.820 55 41 0.552 0.750 0.945 1.122 1.313 1.525 1.758 2.022 2.339 2.674 2.943 3.274 3.670 4.164 4.758 8.630 56 42 0.600 0.825 1.034 1.236 1.456 1.686 1.943 2.232 2.582 2.955 3.274 3.640 4.082 4.642 5.313 9.490 57 43 0.649 0.893 1.130 1.358 1.600 1.854 2.131 2.446 2.819 3.267 3.626 4.054 4.567 5.186 5.932 10.420 58 44 0.695 0.966 1.234 1.486 1.746 2.025 2.327 2.663 3.074 3.583 4.016 4.527 5.115 5.804 6.608 11.470 59 45 0.750 1.051 1.342 1.625 1.909 2.213 2.541 2.912 3.348 3.937 4.460 5.052 5.727 6.485 7.396 12.640 60 46 0.810 1.136 1.457 1.775 2.098 2.428 2.796 3.195 3.680 4.344 4.946 5.626 6.393 7.269 8.266 13.940 61 47 0.871 1.236 1.593 1.947 2.318 2.692 3.085 3.530 4.110 4.820 5.490 6.249 7.146 8.131 9.230 15.420 62 48 0.932 1.346 1.749 2.144 2.587 3.006 3.445 3.951 4.619 5.366 6.083 6.952 7.956 9.061 10.305 17.110 63 49 0.999 1.468 1.921 2.379 2.881 3.365 3.881 4.449 5.182 5.973 6.766 7.710 8.822 10.081 11.500 19.020 64 50 1.068 1.606 2.120 2.628 3.194 3.764 4.358 4.996 5.768 6.653 7.494 8.519 9.760 11.188 12.814 21.130 65 51 1.142 1.758 2.334 2.896 3.531 4.182 4.850 5.552 6.403 7.368 8.288 9.442 10.855 12.522 14.412 23.400 66 52 1.227 1.920 2.559 3.184 3.873 4.592 5.325 6.118 7.041 8.098 9.157 10.494 12.150 14.105 16.349 25.860 67 53 1.316 2.088 2.799 3.473 4.217 4.972 5.783 6.647 7.670 8.833 10.052 11.583 13.452 15.659 18.235 28.500 68 54 1.419 2.271 3.046 3.770 4.555 5.359 6.217 7.151 8.295 9.596 11.027 12.816 14.962 17.504 20.492 31.380 69 55 1.534 2.476 3.322 4.088 4.930 5.764 6.659 7.660 8.951 10.404 12.043 14.082 16.505 19.348 22.729 34.630 70 56 1.672 2.707 3.627 4.464 5.338 6.199 7.150 8.230 9.641 11.263 13.141 15.464 18.190 21.389 25.223 38.310 71 57 1.840 2.978 4.000 4.897 5.793 6.711 7.736 8.893 10.374 12.204 14.309 16.889 19.911 23.457 27.696 42.560 72 58 2.036 3.317 4.445 5.404 6.354 7.353 8.456 9.676 11.209 13.247 15.574 18.427 21.795 25.745 30.488 47.440 73 59 2.279 3.712 4.956 5.995 7.038 8.128 9.303 10.581 12.206 14.405 16.991 20.184 24.007 28.560 33.965 52.920 74 60 2.554 4.151 5.523 6.659 7.832 9.001 10.256 11.604 13.349 15.690 18.505 21.995 26.269 31.377 37.430 58.800 75 61 2.872 4.623 6.129 7.391 8.683 9.943 11.289 12.727 14.618 17.116 20.220 24.126 28.964 34.826 41.625 65.060 76 62 3.230 5.115 6.756 8.166 9.554 10.929 12.379 13.942 16.007 18.698 22.088 26.365 31.750 38.203 45.738 71.640 77 63 3.633 5.686 7.453 8.978 10.442 11.913 13.475 15.189 17.450 20.393 24.151 28.954 34.972 42.268 50.773 78.470 78 64 4.089 6.355 8.243 9.829 11.364 12.928 14.608 16.473 18.994 22.214 26.409 31.735 38.503 46.716 56.278 85.720 79 65 4.595 7.065 9.084 10.707 12.345 14.026 15.841 17.935 20.756 24.320 28.931 34.875 42.433 51.624 62.308 93.670 80
6/30/93 TLevel 15 MALE PREFERRED NONSMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS
X [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT -- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ 20 0.542 0.422 0.456 0.448 0.448 0.431 0.441 0.444 0.455 0.472 0.456 0.480 0.495 0.515 0.532 1.690 35 21 0.349 0.385 0.427 0.423 0.424 0.415 0.442 0.459 0.490 0.521 0.512 0.522 0.531 0.543 0.564 1.770 36 22 0.305 0.340 0.383 0.376 0.378 0.380 0.395 0.414 0.442 0.480 0.484 0.492 0.513 0.542 0.564 1.880 37 23 0.271 0.300 0.340 0.334 0.341 0.343 0.359 0.376 0.406 0.448 0.460 0.477 0.515 0.548 0.583 2.000 38 24 0.235 0.260 0.297 0.300 0.306 0.314 0.325 0.348 0.381 0.423 0.451 0.476 0.518 0.569 0.612 2.140 39 25 0.209 0.229 0.268 0.272 0.286 0.294 0.311 0.338 0.372 0.417 0.457 0.491 0.550 0.608 0.659 2.290 40 26 0.194 0.214 0.248 0.257 0.274 0.291 0.313 0.341 0.380 0.437 0.477 0.532 0.591 0.661 0.725 2.470 41 27 0.189 0.203 0.237 0.249 0.272 0.296 0.323 0.357 0.408 0.465 0.518 0.576 0.646 0.725 0.800 2.650 42 28 0.188 0.203 0.233 0.250 0.277 0.306 0.338 0.387 0.438 0.509 0.562 0.628 0.703 0.792 0.876 2.860 43 29 0.194 0.206 0.238 0.259 0.290 0.325 0.371 0.421 0.486 0.567 0.627 0.693 0.775 0.869 0.962 3.070 44 30 0.197 0.213 0.249 0.268 0.304 0.351 0.396 0.461 0.535 0.625 0.690 0.763 0.850 0.952 1.052 3.320 45 31 0.199 0.221 0.255 0.281 0.322 0.369 0.428 0.494 0.582 0.677 0.750 0.833 0.929 1.039 1.158 3.590 46 32 0.201 0.224 0.264 0.294 0.336 0.393 0.458 0.534 0.627 0.732 0.815 0.911 1.015 1.143 1.288 3.880 47 33 0.197 0.225 0.273 0.305 0.358 0.419 0.493 0.573 0.672 0.789 0.884 0.987 1.117 1.273 1.441 4.190 48 34 0.188 0.224 0.274 0.316 0.373 0.441 0.518 0.606 0.711 0.833 0.939 1.066 1.227 1.411 1.607 4.540 49 35 0.190 0.229 0.289 0.339 0.401 0.476 0.560 0.659 0.775 0.901 1.027 1.178 1.362 1.575 1.802 4.910 50 36 0.191 0.242 0.311 0.368 0.441 0.524 0.622 0.730 0.852 0.996 1.142 1.312 1.522 1.767 2.025 5.350 51 37 0.202 0.258 0.339 0.405 0.487 0.581 0.688 0.807 0.946 1.110 1.271 1.461 1.695 1.971 2.265 5.860 52 38 0.217 0.282 0.376 0.449 0.542 0.644 0.759 0.898 1.056 1.238 1.412 1.622 1.877 2.185 2.535 6.430 53 39 0.236 0.314 0.418 0.500 0.599 0.712 0.843 1.001 1.179 1.377 1.568 1.795 2.076 2.428 2.822 7.090 54 40 0.260 0.349 0.466 0.558 0.662 0.788 0.939 1.113 1.310 1.535 1.740 1.985 2.302 2.684 3.141 7.820 55 41 0.283 0.385 0.519 0.617 0.735 0.877 1.038 1.230 1.452 1.702 1.928 2.208 2.548 2.977 3.505 8.630 56 42 0.308 0.424 0.568 0.679 0.815 0.969 1.147 1.358 1.603 1.881 2.145 2.454 2.834 3.319 3.915 9.490 57 43 0.333 0.458 0.621 0.747 0.895 1.065 1.258 1.487 1.750 2.079 2.375 2.733 3.171 3.708 4.371 10.420 58 44 0.357 0.496 0.678 0.817 0.977 1.164 1.374 1.619 1.909 2.280 2.631 3.052 3.551 4.150 4.868 11.470 59 45 0.385 0.539 0.738 0.893 1.068 1.272 1.500 1.771 2.079 2.506 2.921 3.406 3.976 4.637 5.449 12.640 60 46 0.416 0.583 0.801 0.976 1.174 1.395 1.651 1.943 2.285 2.765 3.239 3.793 4.438 5.197 6.091 13.940 61 47 0.447 0.634 0.876 1.070 1.297 1.547 1.822 2.147 2.552 3.068 3.596 4.213 4.961 5.814 6.801 15.420 62 48 0.478 0.691 0.961 1.179 1.448 1.727 2.034 2.402 2.868 3.415 3.984 4.687 5.523 6.479 7.593 17.110 63 49 0.513 0.753 1.056 1.308 1.612 1.934 2.292 2.705 3.218 3.801 4.431 5.198 6.124 7.209 8.473 19.020 64 50 0.548 0.824 1.166 1.445 1.787 2.163 2.573 3.038 3.582 4.235 4.908 5.743 6.775 8.000 9.441 21.130 65 51 0.586 0.902 1.283 1.592 1.976 2.403 2.864 3.376 3.976 4.689 5.428 6.366 7.535 8.954 10.619 23.400 66 52 0.630 0.985 1.407 1.751 2.167 2.639 3.144 3.720 4.372 5.154 5.997 7.075 8.435 10.086 12.046 25.860 67 53 0.676 1.071 1.539 1.909 2.360 2.858 3.414 4.042 4.763 5.622 6.584 7.809 9.338 11.197 13.435 28.500 68 54 0.728 1.165 1.675 2.073 2.549 3.080 3.670 4.348 5.151 6.108 7.222 8.640 10.387 12.516 15.099 31.380 69 55 0.787 1.270 1.826 2.247 2.758 3.313 3.931 4.658 5.558 6.622 7.888 9.494 11.458 13.835 16.747 34.630 70 56 0.858 1.389 1.994 2.454 2.987 3.563 4.221 5.005 5.987 7.169 8.607 10.426 12.628 15.294 18.584 38.310 71 57 0.944 1.528 2.199 2.692 3.242 3.857 4.568 5.408 6.442 7.767 9.372 11.387 13.822 16.773 20.406 42.560 72 58 1.045 1.702 2.444 2.971 3.555 4.226 4.993 5.884 6.960 8.431 10.200 12.424 15.130 18.409 22.463 47.440 73 59 1.169 1.905 2.725 3.296 3.938 4.671 5.493 6.434 7.580 9.168 11.128 13.608 16.666 20.422 25.025 52.920 74 60 1.311 2.130 3.036 3.661 4.382 5.173 6.055 7.056 8.290 9.986 12.120 14.829 18.236 22.437 27.578 58.800 75 61 1.474 2.372 3.370 4.063 4.858 5.714 6.665 7.739 9.078 10.894 13.244 16.265 20.107 24.902 30.668 65.060 76 62 1.658 2.625 3.715 4.490 5.346 6.281 7.308 8.478 9.940 11.901 14.467 17.775 22.041 27.317 33.699 71.640 77 63 1.864 2.918 4.098 4.936 5.843 6.846 7.956 9.236 10.836 12.980 15.818 19.521 24.278 30.224 37.409 78.470 78 64 2.098 3.261 4.532 5.404 6.358 7.429 8.624 10.017 11.794 14.139 17.297 21.395 26.729 33.405 41.465 85.720 79 65 2.358 3.625 4.994 5.886 6.907 8.061 9.352 10.906 12.889 15.479 18.949 23.513 29.457 36.914 45.908 93.670 80
REINSURANCE PREMIUMS I. Plan: Dominion Life Series II. Standard Reinsurance Risk Premiums: Reinsurance on the above plans shall be ceded on a bordereau basis employing annual reinsurance premiums. The reinsurance premiums shall equal the mortality assumptions attached to this Exhibit B, multiplied by the following factors: ISSUE PREF PREF AGE NS NS SMK SMK ---------- ---- ---- ---- ---- 0-40 1.33 1.25 1.30 1.20 41-60 1.16 1.10 1.10 1.00 61 & Older 1.18 1.08 1.20 1.10 III. Multiple Table Substandard Reinsurance Premiums: Multiple table substandard reinsurance premiums are equal to the sum of the standard premium (Preferred Non-smoker and Smoker or Standard Nonsmoker and Smoker) and 25% of the standard premium for each 25% excess mortality. IV. Maximum Amount of Reinsurance On One Life On These Reinsurance Premiums: $5,000,000. For the excess amount over $5,000,000 rate schedule NRN-5833, which is attached to the basic agreement, will apply. The nonsmoker rates in schedule NRN-5833 will be used for both preferred nonsmoker and standard nonsmokers. The smoker rates will be used for both preferred smoker and standard smokers. V. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B DOMINION LIFE EXPECTED MORTALITY ASSUMPTIONS (1000__ MEDICAL PROJECTED MALE PREFERRED NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ----- ----- ------ ------ ------ ------ ------ ------ ------ 0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297 0.278 1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271 0.258 2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252 0.253 3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249 0.257 4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253 0.278 5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274 0.358 6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354 0.450 7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445 0.588 8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586 0.724 9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719 0.860 10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852 0.877 11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 0.837 0.940 12 0.288 0.368 0.457 0.590 0.725 0.824 0.796 0.892 0.944 13 0.371 0.458 0.589 0.710 0.843 0.760 0.848 0.895 0.655 14 0.459 0.588 0.707 0.825 0.758 0.811 0.853 0.623 0.612 15 0.589 0.707 0.814 0.716 0.789 0.810 0.600 0.587 0.582 16 0.714 0.820 0.691 0.730 0.780 0.569 0.566 0.560 0.552 17 0.821 0.645 0.709 0.726 0.561 0.535 0.533 0.530 0.523 18 0.608 0.637 0.699 0.518 0.533 0.500 0.497 0.494 0.491 19 0.582 0.617 0.490 0.484 0.490 0.458 0.456 0.453 0.456 20 0.542 0.422 0.456 0.447 0.447 0.409 0.415 0.413 0.419 21 0.348 0.384 0.427 0.422 0.423 0.394 0.416 0.428 0.452 22 0.304 0.340 0.383 0.376 0.377 0.360 0.372 0.385 0.408 23 0.270 0.299 0.340 0.334 0.340 0.325 0.338 0.350 0.374 24 0.234 0.259 0.296 0.300 0.306 0.298 0.306 0.324 0.351 25 0.209 0.229 0.267 0.271 0.286 0.279 0.292 0.314 0.342 26 0.193 0.214 0.247 0.256 0.274 0.276 0.294 0.317 0.350 27 0.188 0.202 0.236 0.249 0.271 0.281 0.304 0.332 0.376 28 0.187 0.202 0.233 0.250 0.276 0.291 0.318 0.360 0.404 29 0.193 0.205 0.237 0.258 0.290 0.308 0.349 0.392 0.448 30 0.197 0.213 0.249 0.268 0.303 0.334 0.372 0.430 0.493 31 0.198 0.220 0.255 0.280 0.321 0.351 0.403 0.460 0.536 32 0.201 0.223 0.264 0.294 0.335 0.374 0.431 0.497 0.578 33 0.196 0.224 0.272 0.305 0.358 0.398 0.463 0.534 0.620 34 0.188 0.224 0.274 0.316 0.373 0.419 0.487 0.565 0.656 35 0.189 0.228 0.289 0.338 0.401 0.452 0.527 0.614 0.714 36 0.191 0.241 0.311 0.368 0.441 0.498 0.585 0.680 0.785 37 0.202 0.258 0.338 0.404 0.486 0.552 0.647 0.752 0.872 38 0.216 0.282 0.375 0.449 0.541 0.612 0.714 0.836 0.974 39 0.236 0.314 0.417 0.499 0.599 0.677 0.793 0.932 1.087 40 0.259 0.349 0.465 0.558 0.662 0.748 0.883 1.037 1.208 41 0.283 0.384 0.519 0.616 0.734 0.833 0.977 1.146 1.340 42 0.307 0.423 0.568 0.679 0.814 0.921 1.079 1.265 1.479 43 0.332 0.458 0.621 0.746 0.895 1.013 1.184 1.386 1.615 44 0.356 0.495 0.678 0.816 0.976 1.106 1.293 1.509 1.761 45 0.384 0.539 0.737 0.893 1.068 1.209 1.412 1.650 1.918 46 0.415 0.582 0.801 0.976 1.173 1.326 1.554 1.811 2.108 47 0.446 0.633 0.875 1.070 1.297 1.471 1.714 2.000 2.354 48 0.478 0.690 0.961 1.178 1.447 1.642 1.915 2.239 2.646 49 0.512 0.753 1.056 1.307 1.611 1.839 2.157 2.521 2.969 50 0.547 0.823 1.165 1.444 1.787 2.057 2.422 2.831 3.304 51 0.585 0.902 1.282 1.592 1.975 2.285 2.696 3.146 3.668 52 0.629 0.985 1.407 1.750 2.167 2.509 2.959 3.467 4.034 53 0.675 1.071 1.538 1.909 2.359 2.717 3.214 3.767 4.394 54 0.728 1.165 1.674 2.072 2.548 2.928 3.455 4.052 4.753 55 0.786 1.270 1.826 2.247 2.758 3.150 3.701 4.341 5.128 56 0.857 1.388 1.994 2.454 2.986 3.388 3.974 4.664 5.524 57 0.944 1.527 2.199 2.691 3.241 3.667 4.300 5.040 5.944 58 1.044 1.701 2.443 2.970 3.555 4.018 4.700 5.484 6.422 59 1.169 1.904 2.724 3.295 3.937 4.442 5.171 5.996 6.994 60 1.310 2.130 3.036 3.660 4.382 4.919 5.700 6.576 7.649 61 1.473 2.372 3.369 4.063 4.858 5.434 6.275 7.213 8.376 62 1.657 2.624 3.714 4.489 5.345 5.972 6.880 7.901 9.171 63 1.864 2.917 4.097 4.935 5.842 6.510 7.490 8.608 9.998 64 2.098 3.260 4.531 5.403 6.358 7.065 8.119 9.336 10.883 65 2.357 3.624 4.993 5.886 6.907 7.665 8.805 10.164 11.893 66 2.640 3.986 5.444 6.380 7.499 8.334 9.612 11.152 13.111 67 2.954 4.315 5.846 6.884 8.141 9.114 10.582 12.373 14.590 68 3.296 4.617 6.215 7.389 8.849 10.026 11.782 13.876 16.433 69 3.669 4.922 6.578 7.909 9.620 11.088 13.196 15.694 18.650 70 4.073 5.216 6.939 8.434 10.454 12.261 14.828 17.809 21.222 71 4.475 5.733 7.622 9.260 11.453 13.428 16.238 19.496 23.223 72 4.919 6.297 8.368 10.148 12.546 14.708 17.781 21.337 25.421 73 5.395 6.905 9.159 11.101 13.722 16.082 19.429 23.320 27.777 74 5.821 7.435 9.855 11.944 14.762 17.293 20.895 25.075 29.849 75 6.155 7.857 10.415 12.620 15.589 18.262 22.064 26.464 31.496 76 6.432 8.209 10.879 13.177 16.277 19.067 23.023 27.606 32.841 77 6.714 8.567 11.349 13.747 16.978 19.877 23.995 28.761 34.204 78 7.150 9.120 12.082 14 632 18.061 21.139 25.510 30.566 36.334 79 7 791 9.938 13.165 15.934 19.663 23.006 27.752 33.238 39.498 __ _.__ _.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___ [x]+9 [x]+10 [x)+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------- ------- ------- 0 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15 1 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16 2 0.261 0.283 0.365 0.459 0.600 0 735 0.873 17 3 0.282 0.363 0.456 0.595 0.728 0.864 0.904 18 4 0.363 0.454 0.592 0.723 0.857 0.896 0.980 19 5 0.455 0.591 0.721 0.853 0.891 0.973 1.006 20 6 0.593 0.722 0.852 0.888 0.969 1.000 0.757 21 7 0.725 0.854 0.889 0.968 0.998 0.747 0.726 22 8 0.863 0.896 0.973 1.001 0.741 0.718 0.705 23 9 0.904 0.980 1.006 0.737 0.713 0.699 0.691 24 10 0.987 1.012 0.734 0.709 0.695 0.686 0.666 25 11 0.998 0.714 0.688 0.672 0.661 0.640 0.626 26 12 0.694 0.666 0.648 0.636 0.613 0.597 0.573 27 13 0.645 0.625 0.610 0.586 0.568 0.543 0.553 28 14 0.609 0.592 0.567 0.548 0.521 0.529 0.534 29 15 0.575 0.553 0.532 0.505 0.510 0.512 0.513 30 16 0.546 0.518 0.495 0.498 0.499 0.498 0.500 31 17 0.516 0.491 0.493 0.493 0.491 0.492 0.483 32 18 0.490 0.464 0.472 0.473 0.478 0.476 0.467 33 19 0.457 0.439 0.450 0.459 0.468 0.467 0.467 34 20 0.431 0.412 0.429 0.439 0.452 0.462 0.472 35 21 0.476 0.462 0.467 0.470 0.476 0.489 0.484 36 22 0.438 0.437 0.440 0.454 0.475 0.490 0.503 37 23 0.409 0.416 0.426 0.456 0.480 0.506 0.532 38 24 0.386 0.407 0.426 0.459 0.499 0.531 0.567 39 25 0.381 0.413 0.439 0.487 0.533 0.572 0.617 40 26 0.399 0.431 0.476 0.523 0.579 0.629 0.678 41 27 0.424 0.468 0.516 0.572 0.635 0.694 0.747 42 28 0.465 0.508 0.562 0.622 0.694 0.761 0.825 43 29 0.518 0.567 0.620 0.686 0.762 0.835 0.909 44 30 0.570 0.623 0.683 0.753 0.835 0.913 1.009 45 31 0.618 0.677 0.745 0.823 0.911 1.006 1.123 46 32 0.669 0.737 0.815 0.899 1.003 1.119 1.254 47 33 0.721 0.799 0.884 0.989 1.117 1.251 1.407 48 34 0.761 0.849 0.954 1.087 1.238 1.395 1.589 49 35 0.822 0.928 1.054 1.207 1.382 1.565 1.795 50 36 0.909 1.033 1.174 1.349 1.550 1.759 2.006 51 37 1.014 1.149 1.307 1.502 1.729 1.968 2.229 52 38 1.130 1.277 1.451 1.664 1.917 2.202 2.472 53 39 1.258 1.418 1.607 1.840 2.130 2.451 2.752 54 40 1.402 1.573 1.777 2.040 2.355 2.728 3.096 55 41 1.554 1.743 1.976 2.258 2.612 3.045 3.503 56 42 1.718 1.939 2.197 2.511 2.912 3.400 3.957 57 43 1.899 2.147 2.447 2.810 3.253 3.796 4.440 58 44 2.083 2.379 2.732 3.147 3.641 4.229 4.978 59 45 2.289 2.641 3.049 3.524 4.068 4.733 5.539 60 46 2.526 2.929 3.396 3.933 4.560 5.291 6.146 61 47 2.802 3.252 3.772 4.397 5.102 5.908 6.827 62 48 3.120 3.603 4.196 4.895 5.685 6.596 7.619 63 49 3.472 4.007 4.654 5.428 6.325 7.361 8.524 64 50 3.868 4.438 5.142 6.005 7.020 8.202 9.514 65 51 4.283 4.909 5.699 6.679 7.857 9.224 10.758 66 52 4.708 5.423 6.334 7.476 8.850 10.464 12.289 67 53 5.135 5.954 6.991 8.277 9.825 11.671 13.770 68 54 5.579 6.531 7.736 9.206 10.983 13.116 15.521 69 55 6.049 7.133 8.500 10.155 12.140 14.548 17.203 70 56 6.548 7.783 9.334 11.193 13.420 16.144 19.210 71 57 7.095 8.475 10.194 12.251 14.718 17.727 21.230 72 58 7.702 9.224 11.123 13.411 16.154 19.514 23.391 73 59 8.375 10.064 12.183 14.772 17.920 21.740 26.152 74 60 9.122 10.961 13.276 16.164 19.688 23.958 28.815 75 61 9.951 11.977 14.562 17.822 21.852 26.643 32.207 76 62 10.871 13.083 15.914 19.537 23.971 29.275 35.506 77 63 11.857 14.305 17.477 21.519 26.522 32.499 39.670 78 64 12.916 15.643 19.155 23.692 29.313 36.022 44.197 79 65 14.140 17.136 21.051 26.110 32.392 39.882 49.008 80 66 15.573 18.897 23.241 28.840 35.785 44.113 54.028 81 67 17.329 21.018 25.800 31.931 39.553 48.747 59.535 82 68 19.492 23.580 28.792 35.449 43.722 53.786 65.504 83 69 22.073 26.584 32.237 39.390 48.276 59.249 72.330 84 70 25.042 30.029 36.115 43.737 53.235 65.147 79.918 85 71 27.408 32.940 39.681 48.141 58.684 71.915 88.327 86 72 29.994 36.202 43.796 53.328 65.229 80.172 98.738 87 73 32.755 39.721 48.243 58.957 72.333 89.169 109.967 88 74 35.192 42.759 52.028 63.682 78.245 96.442 119.062 89 75 37.116 45.194 55.086 67.525 82.974 102.393 126.572 90 76 38.690 47.089 57.374 70.216 86.245 106.417 131.505 91 77 40.277 49.004 59.609 72.922 89.558 110.470 136.472 92 78 42.772 51.953 63.170 77.270 94.869 116.985 144.346 93 79 46.419 56.360 68.522 83.790 102.842 126.664 156.288 94 __ __.___ __.___ __.___ __.___ ___.___ ___.___ ___.___ __
DOMINION LIFE EXPECTED MORTALITY ASSUMPTIONS (1000__ MEDICAL PROJECTED MALE NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 (x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297 0.278 1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271 0.258 2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252 0.253 3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249 0.257 4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253 0.278 5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274 0.358 6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354 0.450 7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445 0.588 8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586 0.724 9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719 0.860 10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852 0.977 11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 0.953 1.048 12 0.288 0.368 0.457 0.590 0.725 0.824 0.934 1.015 1.053 13 0.371 0.458 0.589 0.710 0.843 0.916 0.995 1.019 1.056 14 0.459 0.588 0.707 0.825 0.938 0.977 1.001 1.025 0.986 15 0.589 0.707 0.814 0.901 0.976 0.975 1.016 0.966 0.937 16 0.714 0.820 0.870 0.920 0.965 0.990 0.959 0.921 0.890 17 0.821 0.871 0.893 0.914 1.003 0.931 0.904 0.873 0.843 18 0.821 0.860 0.881 0.942 0.953 0.871 0.842 0.813 0.791 19 0.785 0.833 0.892 0.880 0.877 0.798 0.772 0.745 0.734 20 0.731 0.823 0.830 0.814 0.800 0.712 0.703 0.680 0.675 21 0.680 0.749 0.777 0.768 0.757 0.686 0.704 0.703 0.728 22 0.594 0.663 0.697 0.684 0.674 0.628 0.630 0.634 0.657 23 0.527 0.583 0.619 0.608 0.609 0.566 0.573 0.576 0.603 24 0.457 0.506 0.539 0.546 0.547 0.519 0.518 0.533 0.566 25 0.407 0.447 0.487 0.494 0.511 0.485 0.495 0.517 0.552 26 0.377 0.417 0.450 0.466 0.490 0.481 0.498 0.522 0.564 27 0.367 0.395 0.430 0.453 0.485 0.489 0.515 0.547 0.605 28 0.365 0.395 0.423 0.454 0.494 0.506 0.539 0.592 0.650 29 0.377 0.400 0.432 0.470 0.518 0.537 0.591 0.645 0.722 30 0.383 0.415 0.453 0.487 0.543 0.581 0.630 0.707 0.795 31 0.387 0.430 0.464 0.510 0.574 0.611 0.682 0.757 0.864 32 0.392 0.435 0.481 0.535 0.599 0.651 0.730 0.818 0.931 33 0.383 0.438 0.496 0.554 0.640 0.692 0.785 0.878 0.998 34 0.367 0.436 0.498 0.575 0.667 0.730 0.826 0.929 1.057 35 0.370 0.445 0.525 0.615 0.716 0.788 0.892 1.010 1.151 36 0.372 0.471 0.566 0.670 0.788 0.866 0.991 1.119 1.265 37 0.394 0.503 0.616 0.736 0.870 0.961 1.096 1.237 1.405 38 0.422 0.549 0.683 0.817 0.967 1.065 1.209 1.376 1.569 39 0.460 0.612 0.759 0.909 1.070 1.178 1.344 1.533 1.751 40 0.505 0.680 0.847 1.015 1.183 1.303 1.496 1.705 1.946 41 0.552 0.750 0.944 1.121 1.312 1.450 1.655 1.884 2.157 42 0.600 0.825 1.033 1.235 1.455 1.603 1.829 2.080 2.382 43 0.648 0.893 1.129 1.358 1.599 1.762 2.006 2.279 2.600 44 0.695 0.966 1.233 1.485 1.746 1.925 2.191 2.482 2.836 45 0.750 1.050 1.342 1.624 1.909 2.104 2.392 2.714 3.089 46 0.810 1.135 1.457 1.775 2.097 2.308 2.632 2.978 3.395 47 0.870 1.235 1.592 1.946 2.318 2.560 2.904 3.290 3.792 48 0.932 1.346 1.748 2.143 2.587 2.858 3.243 3.682 4.261 49 0.999 1.467 1.921 2.379 2.880 3.200 3.654 4.146 4.782 50 1.067 1.605 2.120 2.628 3.194 3.579 4.103 4.656 5.322 51 1.141 1.758 2.333 2.896 3.530 3.976 4.566 5.175 5.908 52 1.227 1.920 2.559 3.184 3.873 4.367 5.013 5.702 6.497 53 1.316 2.087 2.798 3.472 4.217 4.728 5.444 6.195 7.077 54 1.419 2.271 3.046 3.770 4.555 5.096 5.853 6.664 7.654 55 1.533 2.475 3.321 4.087 4.929 5.481 6.268 7.139 8.259 56 1.671 2.706 3.627 4.464 5.338 5.895 6.731 7.671 8.896 57 1.839 2.977 4.000 4.896 5.793 6.382 7.283 8.288 9.572 58 2.036 3.316 4.445 5.403 6.353 6.992 7.961 9.018 10.342 59 2.279 3.712 4.955 5.994 7.037 7.729 8.759 9.862 11.263 60 2.554 4.151 5.522 6.658 7.831 8.560 9.655 10.815 12.318 61 2.871 4.623 6.129 7.390 8.682 9.455 10.628 11.862 13.489 62 3.230 5.115 6.756 8.166 9.553 10.393 11.654 12.994 14.770 63 3.633 5.686 7.453 8.977 10.442 11.329 12.686 14.156 16.101 64 4.088 6.354 8.242 9.829 11.363 12.293 13.752 15.354 17.526 65 4.595 7.064 9.083 10.706 12.344 13.338 14.913 16.716 19.152 66 5.145 7.769 9.902 11.605 13.402 14.502 16.281 18.340 21.114 67 5.757 8.409 10.633 12.523 14.550 15.859 17.924 20.347 23.496 68 6.423 8.999 11.304 13.441 15.815 17.447 19.956 22.819 26.465 69 7.151 9.594 11.965 14.387 17.193 19.295 22.352 25.810 30.035 70 7.938 10.166 12.623 15.342 18.684 21.336 25.116 29.287 34.176 71 8.722 11.174 13.864 16.844 20.469 23.367 27.503 32.062 37.398 72 9.587 12.272 15.222 18.459 22.423 25.593 30.116 35.090 40.938 73 10.514 13.457 16.660 20.192 24.525 27.984 32.909 38.351 44.733 74 11.345 14.490 17.926 21.725 26.382 30.091 35.391 41.237 48.069 75 11.996 15.313 18.945 22.956 27.861 31.778 37.372 43.522 50.722 76 12.535 15.999 19.789 23.968 29.090 33.178 38.995 45.399 52.888 77 13.085 16.696 20.644 25.005 30.343 34.588 40.641 47.298 55.082 78 13.935 17.773 21.977 26.615 32.279 36.784 43.207 50.267 58.513 79 15.185 19.369 23.946 28.983 35.141 40.032 47.006 54.662 63.608 __ __.__ __.___ ___.___ __.___ __.___ __.___ __.___ __.___ __.___ [x]+9 [x]+10 [x)+11 [x]+12 [x)+13 [x]+14 ULT ------ ------ ------ ------ ------- ------- ------- 0 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15 1 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16 2 0.261 0.283 0.365 0.459 0.600 0.735 0.873 17 3 0.282 0.363 0.456 0.595 0.728 0.864 0.984 18 4 0.363 0.454 0.592 0.723 0.857 0.975 1.067 19 5 0.455 0.591 0.721 0.853 0.969 1.059 1.094 20 6 0.593 0.722 0.852 0.966 1.054 1.088 0.996 21 7 0.725 0.854 0.967 1.053 1.085 1.014 0.956 22 8 0.863 0.974 1.059 1.088 1.036 0.975 0.929 23 9 0.983 1.066 1.094 1.062 0.998 0.949 0.910 24 10 1.074 1.100 1.088 1.022 0.972 0.931 0.877 25 11 1.085 1.091 1.021 0.969 0.925 0.869 0.824 26 12 1.090 1.017 0.962 0.916 0.858 0.811 0.755 27 13 1.014 0.954 0.905 0.844 0.795 0.737 0.728 28 14 0.956 0.904 0.841 0.789 0.729 0.718 0.703 29 15 0.904 0.845 0.790 0.727 0.713 0.695 0.675 30 16 0.857 0.792 0.734 0.7l7 0.698 0.675 0.658 31 17 0.811 0.750 0.732 0.710 0.686 0.667 0.636 32 18 0.770 0.708 0.700 0.682 0.668 0.646 0.615 33 19 0.719 0.671 0.668 0.661 0.655 0.633 0.615 34 20 0.678 0.630 0.637 0.632 0.632 0.627 0.622 35 21 0.748 0.706 0.693 0.677 0.666 0.664 0.637 36 22 0.689 0.668 0.653 0.654 0.664 0.665 0.662 37 23 0.642 0.635 0.633 0.657 0.672 0.687 0.700 38 24 0.606 0.622 0.632 0.661 0.698 0.721 0.747 39 25 0.598 0.631 0.652 0.702 0.746 0.777 0.812 40 26 0.627 0.658 0.706 0.754 0.811 0.854 0.893 41 27 0.667 0.715 0.765 0.825 0.889 0.942 0.984 42 28 0.731 0.776 0.833 0.897 0.971 1.033 1.087 43 29 0.814 0.865 0.920 0.989 1.065 1.134 1.197 44 30 0.896 0.952 1.013 1.085 1.167 1.240 1.329 45 31 0.971 1.035 1.106 1.186 1.274 1.365 1.479 46 32 1.051 1.125 1.209 1.295 1.402 1.518 1.651 47 33 1.133 1.220 1.311 1.425 1.562 1.698 1.853 48 34 1.195 1.297 1.415 1.566 1.731 1.894 2.093 49 35 1.292 1.417 1.564 1.739 1.933 2.125 2.363 50 36 1.429 1.577 1.742 1.943 2.167 2.387 2.642 51 37 1.593 1.755 1.939 2.164 2.418 2.671 2.935 52 38 1.776 1.950 2.153 2.397 2.681 2.989 3.255 53 39 1.976 2.165 2.384 2.650 2.979 3.327 3.624 54 40 2.203 2.402 2.635 2.938 3.293 3.703 4.077 55 41 2.442 2.661 2.931 3.253 3.653 4.133 4.612 56 42 2.699 2.961 3.259 3.618 4.073 4.615 5.211 57 43 2.984 3.279 3.629 4.048 4.550 5.153 5.847 58 44 3.272 3.632 4.053 4.533 5.092 5.740 6.555 59 45 3.596 4.033 4.523 5.076 5.690 6.424 7.294 60 46 3.968 4.472 5.037 5.666 6.378 7.181 8.093 61 47 4.403 4.965 5.594 6.333 7.135 8.018 8.989 62 48 4.902 5.501 6.223 7.051 7.951 8.952 10.032 63 49 5.456 6.119 6.903 7.819 8.846 9.990 11.224 64 50 6.077 6.777 7.627 8.650 9.817 11.132 12.528 65 51 6.730 7.495 8.453 9.621 10.988 12.520 14.166 66 52 7.397 8.281 9.395 10.769 12.377 14.203 16.181 67 53 8.069 9.090 10.370 11.923 13.740 15.841 18.132 68 54 8.766 9.972 11.474 13.262 15.360 17.802 20.437 69 55 9.504 10.891 12.608 14.629 16.978 19.745 22.652 70 56 10.289 11.884 13.845 16.123 18.769 21.912 25.295 71 57 11.148 12.940 15.121 17.648 20.584 24.060 27.954 72 58 12.101 14.084 16.498 19.318 22.591 26.485 30.800 73 59 13.159 15.366 18.071 21.279 25.062 29.506 34.435 74 60 14.333 16.735 19.693 23.284 27.534 32.517 37.941 75 61 15.635 18.286 21.600 25.672 30.560 36.161 42.407 76 62 17.081 19.975 23.605 28.143 33.523 39.734 46.752 77 63 18.629 21.842 25.924 30.998 37.091 44.109 52.234 78 64 20.293 23.884 28.413 34.128 40.994 48.891 58.195 79 65 22.216 26.164 31.225 37.612 45.300 54.130 64.529 80 66 24.467 28.853 34.473 41.544 50.045 59.872 71.139 81 67 27.226 32.090 38.269 45.997 55.314 66.161 78.390 82 68 30.625 36.002 42.706 51.064 61.145 73.001 86.250 83 69 34.680 40.588 47.815 56.741 67.514 80.416 95.238 84 70 39.346 45.848 53.567 63.003 74.449 88.421 105.230 85 71 43.062 50.293 58.857 69.347 82.069 97.606 116.301 86 72 47.125 55.274 64.961 76.819 91.222 108.813 130.009 87 73 51.463 60.646 71.557 84.927 101.158 121.024 144.794 88 74 55.292 65.285 77.170 91.733 109.425 130.896 156.771 89 75 58.316 69.002 81.706 97.269 116.038 138.972 166.659 90 76 60.788 71.895 85.100 101.147 120.614 144.434 173.155 91 77 63.281 74.819 88.415 105.043 125.247 149.935 179.695 92 78 67.201 79.322 93.698 111.307 132.674 158.778 190.063 93 79 72.932 86.051 101.635 120.698 143.824 171.914 205.787 94 __ __.___ __.___ ___.___ ___.___ ___.___ ___.___ ___.___ __
DOMINION LIFE EXPECTED MORTALITY ASSUMPTIONS (1000q) MEDICAL PROJECTED MALE SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297 0.278 1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271 0.258 2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252 0.253 3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249 0.257 4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253 0.278 5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274 0.358 6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354 0.450 7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445 0.588 8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586 0.724 9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719 0.860 10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852 1.066 11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 1.059 1.143 12 0.288 0.368 0.457 0.590 0.725 0.824 1.049 1.128 1.148 13 0.371 0.458 0.589 0.710 0.843 1.044 1.118 1.132 1.795 14 0.459 0.588 0.707 0.825 1.059 1.114 1.124 1.776 1.703 15 0.589 0.707 0.814 1.007 1.102 1.112 1.780 1.699 1.642 16 0.714 0.820 0.973 1.028 1.091 1.761 1.706 1.644 1.584 17 0.821 0.922 0.998 1.022 1.766 1.682 1.632 1.583 1.533 18 0.821 0.911 0.985 1.642 1.705 1.595 1.544 1.506 1.465 19 0.785 0.882 1.554 1.558 1.592 1.485 1.446 1.405 1.392 20 0.731 1.358 1.469 1.461 1.476 1.353 1.341 1.313 1.313 21 1.060 1.257 1.395 1.402 1.426 1.327 1.376 1.394 1.459 22 0.940 1.128 1.272 1.275 1.293 1.244 1.263 1.294 1.377 23 0.847 1.008 1.152 1.153 1.196 1.152 1.182 1.232 1.303 24 0.746 0.893 1.023 1.060 1.103 1.087 1.120 1.174 1.250 25 0.679 0.803 0.946 0.985 1.061 1.064 1.103 1.163 1.250 26 0.640 0.767 0.898 0.958 1.064 1.086 1.133 1.205 1.307 27 0.638 0.746 0.883 0.973 1.086 1.129 1.202 1.291 1.408 28 0.652 0.768 0.910 1.007 1.130 1.198 1.287 1.404 1.545 29 0.692 0.815 0.956 1.063 1.216 1.300 1.418 1.561 1.732 30 0.738 0.871 1.024 1.131 1.302 1.414 1.543 1.726 1.935 31 0.768 0.921 1.076 1.210 1.385 1.517 1.685 1.878 2.125 32 0.793 0.958 1.141 1.277 1.476 1.631 1.832 2.051 2.323 33 0.796 0.984 1.182 1.350 1.588 1.763 1.990 2.233 2.522 34 0.779 0.986 1.213 1.412 1.682 1.877 2.123 2.391 2.692 35 0.789 1.027 1.291 1.536 1.826 2.055 2.322 2.621 2.952 36 0.811 1.096 1.412 1.689 2.037 2.288 2.602 2.925 3.279 37 0.866 1.189 1.554 1.883 2.276 2.559 2.897 3.267 3.663 38 0.943 1.312 1.747 2.114 2.553 2.857 3.230 3.653 4.069 39 1.037 1.483 1.966 2.372 2.846 3.193 3.609 4.052 4.525 40 1.157 1.667 2.211 2.668 3.177 3.551 3.999 4.489 5.007 41 1.278 1.854 2.482 2.979 3.544 3.933 4.404 4.940 5.530 42 1.401 2.055 2.745 3.299 3.911 4.330 4.848 5.433 6.067 43 1.526 2.247 3.017 3.609 4.281 4.742 5.298 5.916 6.573 44 1.651 2.445 3.278 3.933 4.654 5.159 5.750 6.392 7.071 45 1.792 2.646 3.553 4.284 5.068 5.603 6.230 6.895 7.616 46 1.927 2.848 3.842 4.662 5.535 6.100 6.763 7.480 8.261 47 2.062 3.086 4.183 5.081 6.069 6.675 7.378 8.156 9.072 48 2.199 3.350 4.564 5.553 6.683 7.368 8.132 8.976 10.017 49 2.348 3.630 4.976 6.079 7.357 8.142 9.007 9.930 11.033 50 2.493 3.940 5.418 6.640 8.052 8.955 9.936 10.946 12.073 51 2.645 4.256 5.895 7.222 8.750 9.773 10.855 11.962 13.085 52 2.805 4.595 6.382 7.808 9.431 10.536 11.717 12.869 14.063 53 2.976 4.932 6.861 8.365 10.080 11.216 12.424 13.662 15.013 54 3.166 5.275 7.337 8.915 10.706 11.803 13.053 14.405 15.918 55 3.364 5.649 7.855 9.504 11.311 12.406 13.701 15.126 16.837 56 3.603 6.063 8.433 10.133 11.970 13.076 14.422 15.933 17.760 57 3.892 6.558 9.080 10.862 12.732 13.877 15.298 16.859 18.716 58 4.235 7.133 9.860 11.748 13.688 14.905 16.375 17.966 19.795 59 4.628 7.801 10.774 12.776 14.863 16.134 17.645 19.232 21.092 60 5.070 8.550 11.771 13.911 16.197 17.500 19.041 20.637 22.548 61 5.586 9.335 12.805 15.121 17.587 18.924 20.508 22.124 24.131 62 6.160 10.124 13.823 16.364 18.943 20.351 21.980 23.686 25.810 63 6.791 11.021 14.935 17.611 20.259 21.684 23.384 25.206 27.466 64 7.485 12.064 16.169 18.865 21.550 22.996 24.761 26.686 29.166 65 8.238 13.128 17.433 20.086 22.879 24.371 26.211 28.343 31.080 66 9.030 14.127 18.578 21.279 24.263 25.866 27.916 30.323 33.384 67 9.887 14.945 19.496 22.428 25.715 27.596 29.968 32.779 36.419 68 10.783 15.631 20.246 23.499 27.267 29.603 32.510 36.037 40.189 69 11.732 16.278 20.919 24.538 28.905 31.899 35.696 39.935 44.674 70 12.721 16.838 21.530 25.515 30.605 34.580 39.298 44.385 49.766 71 13.643 18.055 23.058 27.295 32.869 37.103 42.150 47.569 53.292 72 14.630 19.336 24.666 29.323 35.277 39.804 45.185 50.947 57.063 73 15.646 20.659 26.465 31.427 37.792 42.609 48.317 54.467 60.949 74 16.449 21.807 27.900 33.119 39.800 44.834 50.827 57.247 64.001 75 17.050 22.578 28.881 34.260 41.131 46.315 52.465 59.041 65.953 76 17.456 23.105 29.534 35.004 42.008 47.268 53.495 60.146 67.113 77 17.848 23.606 30.149 35.721 42.832 48.152 54.449 61.154 68.179 78 18.607 24.590 31.396 37.166 44.524 50.011 56.492 63.394 70.602 79 19.842 26.213 33.438 39.549 47.339 53.116 59.948 67.201 74.769 80 ______ ______ ______ ______ ______ ______ ______ 70.___ 7_.356 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------- ------- ------- ------- ------- ------- 0 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15 1 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16 2 0.261 0.283 0.365 0.459 0.600 0.735 0.873 17 3 0.282 0.363 0.456 0.595 0.728 0.864 1.058 18 4 0.363 0.454 0.592 0.723 0.857 1.048 1.147 19 5 0.455 0.591 0.721 0.853 1.042 1.138 1.176 20 6 0.593 0.722 0.852 1.039 1.133 1.170 1.706 21 7 0.725 0.854 1.040 1.133 1.167 1.730 1.662 22 8 0.863 1.048 1.138 1.170 1.761 1.689 1.639 23 9 1.057 1.146 1.176 1.798 1.722 1.668 1.631 24 10 1.155 1.183 1.837 1.757 1.702 1.663 1.606 25 11 1.167 1.835 1.750 1.690 1.646 1.585 1.536 26 12 1.828 1.738 1.672 1.623 1.558 1.505 1.441 27 13 1.727 1.654 1.599 1.528 1.470 1.401 1.425 28 14 1.652 1.592 1.517 1.455 1.382 1.401 1.419 29 15 1.587 1.519 1.451 1.372 1.386 1.397 1.425 30 16 1.537 1.450 1.380 1.390 1.397 1.421 1.432 31 17 1.480 1.406 1.413 1.417 1.438 1.446 1.413 32 18 1.438 1.363 1.392 1.424 1.443 1.429 1.403 33 19 1.379 1.330 1.390 1.423 1.444 1.439 1.435 34 20 1.338 1.306 1.366 1.389 1.430 1.456 1.457 35 21 1.546 1.509 1.518 1.528 1.540 1.551 1.524 36 22 1.468 1.458 1.468 1.508 1.545 1.585 1.597 37 23 1.398 1.423 1.454 1.523 1.595 1.651 1.717 38 24 1.354 1.424 1.460 1.564 1.672 1.761 1.851 39 25 1.366 1.453 1.537 1.675 1.815 1.917 2.040 40 26 1.438 1.547 1.680 1.829 1.993 2.138 2.271 41 27 1.563 1.696 1.849 2.020 2.216 2.387 2.524 42 28 1.727 1.869 2.034 2.228 2.452 2.638 2.808 43 29 1.954 2.106 2.279 2.488 2.712 2.918 3.124 44 30 2.174 2.349 2.540 2.753 2.993 3.224 3.488 45 31 2.389 2.585 2.796 3.029 3.300 3.569 3.861 46 32 2.617 2.834 3.077 3.342 3.653 3.950 4.295 47 33 2.845 3.096 3.372 3.699 4.049 4.400 4.800 48 34 3.024 3.325 3.659 4.045 4.469 4.888 5.400 49 35 3.303 3.653 4.026 4.474 4.970 5.462 6.060 50 36 3.671 4.046 4.465 4.979 5.551 6.100 6.723 51 37 4.074 4.485 4.952 5.523 6.155 6.771 7.368 52 38 4.525 4.962 5.477 6.079 6.772 7.474 8.080 53 39 5.014 5.490 6.026 6.670 7.423 8.227 8.878 54 40 5.567 6.053 6.611 7.296 8.114 9.037 9.821 55 41 6.133 6.654 7.254 7.985 8.884 9.917 10.915 56 42 6.727 7.303 7.972 8.766 9.737 10.880 12.105 57 43 7.336 7.996 8.764 9.644 10.687 11.925 13.354 58 44 7.955 8.742 9.622 10.610 11.741 13.060 14.617 59 45 8.629 9.545 10.550 11.662 12.899 14.272 15.895 60 46 9.362 10.398 11.534 12.800 14.117 15.589 17.284 61 47 10.204 11.331 12.595 13.969 15.433 17.060 18.820 62 48 11.152 12.344 13.680 15.198 16.855 18.671 20.590 63 49 12.204 13.405 14.828 16.517 18.383 20.426 22.560 64 50 13.273 14.510 16.056 17.913 19.998 22.289 24.662 65 51 14.364 15.727 17.445 19.530 21.920 24.552 27.297 66 52 15.473 17.034 19.007 21.409 24.184 27.264 30.507 67 53 16.545 18.330 20.545 23.214 26.280 29.753 33.415 68 54 17.620 19.692 22.264 25.276 28.743 32.683 36.808 69 55 18.708 21.063 23.947 27.280 31.056 35.428 39.852 70 56 19.836 22.499 25.730 29.389 33.552 38.403 43.441 71 57 21.039 23.970 27.469 31.438 35.944 41.164 46.835 72 58 22.345 25.502 29.290 33.615 38.510 44.206 50.318 73 59 23.751 27.191 31.338 36.145 41.677 48.022 54.813 74 60 25.282 28.927 33.337 38.584 44.648 51.563 59.206 75 61 26.940 30.855 35.673 41.483 48.283 56.213 64.834 76 62 28.730 32.881 38.013 44.308 51.923 60.517 70.010 77 63 30.569 35.059 40.676 47.843 56.285 65.801 76.576 78 64 32.470 37.353 43.704 51.607 60.931 71.403 83.487 79 65 34.635 40.114 47.056 55.707 65.917 77.360 90.554 80 66 37.394 43.340 50.885 60.239 71.262 83.700 97.583 81 67 40.767 47.213 55.301 65.267 77.045 90.410 105.077 82 68 44.915 51.856 60.391 70.875 83.250 97.482 112.908 83 69 49.794 57.209 66.141 76.983 89.825 104.871 121.671 84 70 55.283 63.212 72.430 83.528 96.735 112.533 131.132 85 71 59.185 67.780 77.767 89.788 104.068 121.170 141.277 86 72 63.311 72.794 83.824 97.067 112.831 131.679 153.856 87 73 67.561 78.000 90.112 104.675 121.968 142.679 168.317 88 74 70.890 81.945 94.792 110.215 128.533 151.583 178.948 89 75 72.966 84.481 97.835 113.852 133.886 158.028 186.739 90 76 74.190 85.806 99.271 116.293 136.651 161.222 190.393 91 77 75.288 86.992 101.311 118.592 139.293 164.236 193.844 92 78 77.888 90.594 105.424 123.355 144.796 170.628 203.026 93 79 83.033 96.504 112.254 131.263 153.994 182.942 217.661 94 80 88.059 102.302 118.923 138.984 164.377 195.262 232.278 95
DOMINION LIFE EXPECTED MORTALITY ASSUMPTIONS (1000q) MEDICAL PROJECTED MALE SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297 0.278 1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271 0.258 2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252 0.253 3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249 0.257 4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253 0.278 5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274 0.358 6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354 0.450 7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445 0.588 8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586 0.724 9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719 0.860 10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852 0.935 11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 0.903 1.002 12 0.288 0.368 0.457 0.590 0.725 0.824 0.869 0.962 1.007 13 0.371 0.458 0.589 0.710 0.843 0.839 0.925 0.966 1.016 14 0.459 0.588 0.707 0.825 0.848 0.895 0.931 0.977 0.963 15 0.589 0.707 0.814 0.811 0.882 0.894 0.951 0.935 0.929 16 0.714 0.820 0.783 0.828 0.873 0.913 0.911 0.904 0.896 17 0.821 0.784 0.804 0.823 0.912 0.872 0.871 0.871 0.867 18 0.738 0.774 0.793 0.853 0.880 0.827 0.825 0.828 0.828 19 0.706 0.750 0.807 0.809 0.822 0.770 0.772 0.773 0.788 20 0.658 0.745 0.763 0.759 0.762 0.701 0.716 0.722 0.743 21 0.615 0.689 0.725 0.728 0.736 0.688 0.735 0.767 0.825 22 0.546 0.618 0.660 0.662 0.668 0.645 0.674 0.712 0.779 23 0.492 0.553 0.598 0.599 0.617 0.597 0.631 0.677 0.737 24 0.433 0.490 0.531 0.551 0.569 0.563 0.598 0.646 0.707 25 0.394 0.440 0.491 0.511 0.548 0.552 0.589 0.640 0.707 26 0.371 0.421 0.466 0.497 0.549 0.563 0.605 0.663 0.739 27 0.370 0.409 0.459 0.505 0.561 0.585 0.642 0.710 0.797 28 0.378 0.421 0.473 0.523 0.583 0.621 0.687 0.772 0.874 29 0.402 0.447 0.497 0.552 0.627 0.674 0.757 0.859 0.980 30 0.428 0.477 0.532 0.587 0.672 0.733 0.824 0.949 1.095 31 0.446 0.505 0.559 0.628 0.715 0.786 0.900 1.033 1.202 32 0.460 0.525 0.592 0.663 0.762 0.845 0.979 1.128 1.314 33 0.462 0.539 0.614 0.701 0.820 0.914 1.063 1.228 1.427 34 0.452 0.541 0.630 0.734 0.868 0.973 1.134 1.315 1.523 35 0.458 0.563 0.670 0.798 0.942 1.065 1.240 1.442 1.670 36 0.471 0.601 0.734 0.877 1.052 1.186 1.390 1.609 1.855 37 0.503 0.652 0.807 0.978 1.175 1.326 1.547 1.797 2.072 38 0.547 0.719 0.907 1.098 1.318 1.481 1.725 2.010 2.302 39 0.602 0.813 1.021 1.232 1.469 1.655 1.927 2.229 2.560 40 0.671 0.914 1.148 1.386 1.640 1.840 2.136 2.469 2.833 41 0.742 1.017 1.289 1.547 1.829 2.039 2.353 2.718 3.129 42 0.813 1.127 1.426 1.714 2.019 2.244 2.590 2.989 3.433 43 0.886 1.232 1.567 1.875 2.210 2.458 2.830 3.255 3.719 44 0.959 1.340 1.703 2.043 2.403 2.674 3.071 3.517 4.001 45 1.040 1.451 1.846 2.225 2.617 2.905 3.328 3.794 4.309 46 1.119 1.562 1.996 2.422 2.858 3.162 3.612 4.116 4.674 47 1.197 1.692 2.173 2.639 3.134 3.460 3.941 4.487 5.133 48 1.277 1.837 2.371 2.885 3.450 3.819 4.344 4.938 5.667 49 1.363 1.990 2.585 3.158 3.798 4.221 4.811 5.463 6.242 50 1.447 2.160 2.815 3.449 4.157 4.642 5.307 6.022 6.831 51 1.536 2.334 3.063 3.752 4.518 5.066 5.799 6.581 7.404 52 1.629 2.520 3.315 4.056 4.869 5.461 6.259 7.080 7.957 53 1.728 2.705 3.564 4.345 5.204 5.814 6.637 7.517 8.495 54 1.838 2.893 3.811 4.632 5.528 6.118 6.972 7.925 9.006 55 1.953 3.098 4.080 4.937 5.840 6.431 7.319 8.322 9.526 56 2.092 3.325 4.381 5.264 6.180 6.778 7.704 8.766 10.049 57 2.260 3.596 4.717 5.643 6.573 7.194 8.172 9.276 10.590 58 2.459 3.911 5.122 6.103 7.067 7.726 8.747 9.885 11.200 59 2.687 4.278 5.597 6.637 7.674 8.364 9.426 10.581 11.934 60 2.943 4.688 6.115 7.227 8.363 9.072 10.171 11.354 12.758 61 3.243 5.119 6.652 7.855 9.081 9.810 10.955 12.173 13.654 62 3.576 5.552 7.181 8.501 9.781 10.550 11.741 13.032 14.604 63 3.943 6.043 7.759 9.149 10.460 11.241 12.492 13.868 15.541 64 4.346 6.615 8.400 9.800 11.126 11.921 13.227 14.683 16.503 65 4.783 7.199 9.057 10.435 11.813 12.634 14.002 15.594 17.585 66 5.243 7.747 9.651 11.055 12.527 13.409 14.913 16.684 18.889 67 5.741 8.196 10.128 11.652 13.277 14.306 16.009 18.035 20.606 68 6.261 8.572 10.518 12.208 14.079 15.346 17.367 19.828 22.739 69 6.812 8.926 10.868 12.748 14.924 16.536 19.068 21.972 25.277 70 7.386 9.234 11.185 13.256 15.802 17.926 20.992 24.420 28.158 71 7.922 9.901 11.979 14.180 16.971 19.234 22.516 26.172 30.153 72 8.495 10.603 12.814 15.234 18.214 20.635 24.137 28.031 32.287 73 9.085 11.329 13.749 16.327 19.513 22.088 25.810 29.967 34.486 74 9.551 11.958 14.494 17.206 20.550 23.242 27.151 31.497 36.213 75 9.900 12.381 15.004 17.799 21.237 24.010 28.026 32.484 37.317 76 10.135 12.670 15.343 18.185 21.690 24.504 28.576 33.092 37.974 77 10.363 12.945 15.663 18.558 22.115 24.962 29.086 33.647 38.577 78 10.804 13.485 16.310 19.308 22.989 25.926 30.177 34.879 39.948 79 11.521 14.375 17.372 20.546 24.442 27.536 32.024 36.974 42.306 80 12.227 15.242 18.404 21.749 25.845 29.091 33.796 38.983 44.901 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------- ------- ------- 0 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15 1 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16 2 0.261 0.283 0.365 0.459 0.600 0.735 0.873 17 3 0.282 0.363 0.456 0.595 0.728 0.864 0.955 18 4 0.363 0.454 0.592 0.723 0.857 0.946 1.035 19 5 0.455 0.591 0.721 0.853 0.940 1.027 1.062 20 6 0.593 0.722 0.852 0.938 1.023 1.056 1.237 21 7 0.725 0.854 0.938 1.022 1.053 1.209 1.205 22 8 0.863 0.946 1.027 1.056 1.187 1.181 1.188 23 9 0.954 1.035 1.062 1.169 1.161 1.167 1.183 24 10 1.042 1.068 1.151 1.142 1.147 1.162 1.164 25 11 1.053 1.109 1.097 1.098 1.110 1.108 1.114 26 12 1.064 1.050 1.048 1.055 1.050 1.053 1.045 27 13 1.005 0.999 1.002 0.993 0.991 0.980 1.033 28 14 0.962 0.962 0.951 0.945 0.931 0.979 1.029 29 15 0.924 0.918 0.909 0.892 0.934 0.977 1.033 30 16 0.895 0.876 0.865 0.903 0.942 0.993 1.039 31 17 0.862 0.849 0.885 0.921 0.969 1.011 1.024 32 18 0.837 0.823 0.872 0.926 0.973 0.999 1.018 33 19 0.803 0.803 0.871 0.925 0.974 1.006 1.040 34 20 0.779 0.789 0.856 0.903 0.964 1.018 1.056 35 21 0.900 0.912 0.951 0.993 1.039 1.084 1.105 36 22 0.854 0.881 0.920 0.980 1.042 1.108 1.158 37 23 0.814 0.859 0.911 0.990 1.076 1.154 1.245 38 24 0.788 0.860 0.915 1.017 1.128 1.231 1.342 39 25 0.795 0.878 0.963 1.089 1.224 1.340 1.480 40 26 0.837 0.935 1.052 1.189 1.343 1.495 1.647 41 27 0.910 1.024 1.159 1.313 1.494 1.669 1.830 42 28 1.005 1.129 1.275 1.448 1.653 1.845 2.036 43 29 1.137 1.272 1.428 1.617 1.829 2.041 2.265 44 30 1.266 1.419 1.592 1.789 2.018 2.254 2.530 45 31 1.391 1.561 1.752 1.969 2.225 2.496 2.800 46 32 1.524 1.712 1.929 2.173 2.463 2.762 3.115 47 33 1.656 1.870 2.113 2.405 2.730 3.077 3.481 48 34 1.761 2.008 2.293 2.629 3.013 3.418 3.916 49 35 1.923 2.207 2.523 2.908 3.351 3.819 4.395 50 36 2.137 2.444 2.798 3.237 3.743 4.265 4.875 51 37 2.372 2.710 3.103 3.591 4.150 4.735 5.343 52 38 2.635 2.998 3.432 3.952 4.566 5.227 5.860 53 39 2.919 3.316 3.776 4.336 5.005 5.753 6.438 54 40 3.241 3.657 4.143 4.743 5.471 6.319 7.123 55 41 3.571 4.019 4.546 5.191 5.990 6.935 7.915 56 42 3.917 4.412 4.996 5.699 6.565 7.608 8.779 57 43 4.271 4.830 5.493 6.269 7.206 8.339 9.685 58 44 4.632 5.281 6.030 6.897 7.917 9.133 10.600 59 45 5.024 5.766 6.612 7.582 8.698 9.980 11.527 60 46 5.451 6.281 7.229 8.321 9.518 10.902 12.535 61 47 5.941 6.845 7.894 9.081 10.406 11.930 13.649 62 48 6.493 7.457 8.573 9.880 11.365 13.057 14.932 63 49 7.106 8.098 9.293 10.737 12.395 14.284 16.361 64 50 7.728 8.766 10.063 11.645 13.484 15.586 17.885 65 51 8.363 9.501 10.933 12.696 14.780 17.169 19.796 66 52 9.009 10.291 11.912 13.918 16.306 19.066 22.125 67 53 9.633 11.073 12.876 15.092 17.720 20.806 24.233 68 54 10.259 11.897 13.954 16.432 19.381 22.855 26.694 69 55 10.892 12.725 15.009 17.735 20.940 24.775 28.901 70 56 11.550 13.592 16.126 19.106 22.624 26.855 31.504 71 57 12.250 14.481 17.215 20.438 24.236 28.786 33.966 72 58 13.010 15.406 18.357 21.853 25.966 30.914 36.492 73 59 13.829 16.426 19.640 23.498 28.102 33.582 39.752 74 60 14.721 17.475 20.893 25.084 30.105 36.058 42.937 75 61 15.686 18.640 22.357 26.968 32.556 39.310 47.019 76 62 16.728 19.864 23.824 28.804 35.010 42.320 50.772 77 63 17.799 21.180 25.493 31.103 37.951 46.015 55.535 78 64 18.906 22.566 27.391 33.550 41.084 49.932 60.547 79 65 20.166 24.234 29.492 36.215 44.446 54.098 65.672 80 66 21.773 26.183 31.891 39.162 48.050 58.531 70.770 81 67 23.737 28.523 34.659 42.430 51.950 63.224 76.204 82 68 26.152 31.328 37.849 46.076 56.134 68.170 81.883 83 69 28.993 34.562 41.453 50.047 60.567 73.337 88.239 84 70 32.189 38.188 45.394 54.302 65.226 78.695 95.100 85 71 34.460 40.948 48.739 58.372 70.171 84.734 102.458 86 72 36.863 43.977 52.535 63.104 76.080 92.084 111.580 87 73 39.338 47.122 56.476 68.050 82.241 99.776 122.067 88 74 41.276 49.505 59.409 71.651 86.667 106.002 129.777 89 75 42.485 51.038 61.317 74.016 90.277 110.510 135.428 90 76 43.198 51.838 62.216 75.603 92.141 112.743 138.077 91 77 43.837 52.555 63.495 77.097 93.923 114.851 140.580 92 78 45.351 54.731 66.073 80.193 97.633 119.321 147.239 93 79 48.347 58.301 70.354 85.335 103.835 127.932 157.853 94 80 51.273 61.804 74.533 90.354 110.836 136.548 168.454 95
DOMINION LIFE EXPECTED MORTALITY ASSUMPTIONS (1000___ MEDICAL PROJECTED FEMALE PREFERRED NONSMOKER
[x] [x]+1 [x]+2 [x)+3 [x]+4 [x]+5 [x]+6 [x]+7 ----- ----- ----- ------ ------ ------ ------ ------ 0 0.922 0.542 0.342 0.265 0.219 0.192 0.168 0.157 1 0.542 0.342 0.265 0.216 0.198 0.168 0.156 0.140 2 0.342 0.265 0.216 0.195 0.173 0.156 0.140 0.128 3 0.265 0.216 0.195 0.171 0.161 0.140 0.128 0.124 4 0.216 0.195 0.171 0.159 0.144 0.128 0.124 0.124 5 0.195 0.171 0.159 0.142 0.132 0.124 0.124 0.132 6 0.171 0.159 0.142 0.130 0.128 0.124 0.132 0.169 7 0.159 0.142 0.130 0.126 0.128 0.132 0.168 0.209 8 0.142 0.130 0.126 0.126 0.136 0.168 0.209 0.269 9 0.130 0.126 0.126 0.134 0.173 0.208 0.269 0.326 10 0.126 0.126 0.134 0.171 0.215 0.268 0.325 0.382 11 0.126 0.134 0.171 0.212 0.277 0.324 0.382 0.378 12 0.134 0.171 0.212 0.273 0.335 0.380 0.367 0.410 13 0.171 0.212 0.273 0.330 0.393 0.355 0.397 0.420 14 0.212 0.273 0.330 0.387 0.358 0.385 0.408 0.312 15 0.269 0.326 0.379 0.336 0.374 0.388 0.302 0.299 16 0.326 0.379 0.324 0.346 0.374 0.288 0.290 0.290 17 0.383 0.305 0.339 0.352 0.287 0.277 0.279 0.281 18 0.289 0.307 0.342 0.267 0.279 0.265 0.266 0.270 19 0.282 0.304 0.254 0.255 0.261 0.247 0.251 0.254 20 0.268 0.220 0.242 0.240 0.243 0.227 0.235 0.237 21 0.194 0.214 0.237 0.233 0.235 0.220 0.232 0.240 22 0.185 0.206 0.231 0.228 0.230 0.219 0.228 0.236 23 0.181 0.199 0.228 0.225 0.229 0.220 0.229 0.239 24 0.173 0.193 0.221 0.223 0.230 0.224 0.231 0.245 25 0.168 0.185 0.216 0.221 0.233 0.229 0.240 0.258 26 0.160 0.177 0.207 0.214 0.231 0.232 0.247 0.269 27 0.161 0.174 0.203 0.216 0.235 0.243 0.265 0.290 28 0.163 0.176 0.204 0.219 0.242 0.256 0.281 0.317 29 0.168 0.180 0.208 0.226 0.256 0.273 0.307 0.349 30 0.175 0.189 0.221 0.239 0.272 0.297 0.335 0.386 31 0.179 0.198 0.230 0.254 0.290 0.320 0.366 0.419 32 0.180 0.201 0.238 0.264 0.304 0.338 0.391 0.451 33 0.176 0.201 0.243 0.275 0.322 0.359 0.418 0.482 34 0.170 0.201 0.249 0.287 0.339 0.382 0.445 0.515 35 0.170 0.207 0.261 0.307 0.364 0.412 0.479 0.557 36 0.170 0.215 0.277 0.328 0.394 0.444 0.521 0.605 37 0.176 0.226 0.296 0.355 0.426 0.483 0.564 0.657 38 0.189 0.246 0.329 0.393 0.473 0.534 0.624 0.729 39 0.206 0.275 0.365 0.437 0.522 0.591 0.691 0.810 40 0.223 0.300 0.399 0.477 0.567 0.640 0.753 0.882 41 0.238 0.323 0.436 0.518 0.616 0.696 0.815 0.954 42 0.259 0.355 0.478 0.569 0.680 0.768 0.899 1.051 43 0.274 0.377 0.510 0.611 0.732 0.827 0.965 1.127 44 0.288 0.399 0.544 0.654 0.781 0.883 1.031 1.204 45 0.303 0.424 0.579 0.700 0.835 0.944 1.104 1.289 46 0.320 0.448 0.614 0.747 0.897 1.015 1.189 1.389 47 0.336 0.476 0.656 0.801 0.971 1.101 1.287 1.504 48 0.351 0.506 0.704 0.863 1.060 1.206 1.409 1.651 49 0.367 0.539 0.756 0.936 1.157 1.323 1.555 1.821 50 0.383 0.577 0.815 1.013 1.256 1.449 1.710 2.003 51 0.410 0.631 0.900 1.119 1.391 1.613 1.908 2.234 52 0.440 0.691 0.989 1.233 1.530 1.776 2.101 2.461 53 0.474 0.753 1.083 1.347 1.669 1.929 2.281 2.674 54 0.512 0.821 1.182 1.467 1.809 2.078 2.453 2.876 55 0.554 0.896 1.292 1.595 1.957 2.236 2.626 3.080 56 0.605 0.982 1.415 1.741 2.120 2.404 2.819 3.307 57 0.668 1.084 1.560 1.911 2.300 2.602 3.049 3.571 58 0.741 1.207 1.734 2.108 2.522 2.849 3.330 3.887 59 0.829 1.352 1.933 2.338 2.792 3.147 3.665 4.252 60 0.930 1.511 2.154 2.595 3.105 3.487 4.042 4.661 61 1.045 1.683 2.389 2.879 3.443 3.853 4.448 5.111 62 1.176 1.861 2.632 3.182 3.790 4.233 4.876 5.598 63 1.321 2.067 2.904 3.500 4.141 4.614 5.307 6.091 64 1.486 2.311 3.213 3.830 4.506 5.005 5.745 6.597 65 1.671 2.570 3.539 4.171 4.894 5.424 6.222 7.164 66 1.872 2.826 3.858 4.520 5.306 5.889 6.775 7.837 67 2.094 3.057 4.142 4.872 5.753 6.424 7.437 8.661 68 2.335 3.271 4.398 5.221 6.237 7.046 8.248 9.681 69 2.600 3.483 4.648 5.574 6.761 7.762 9.207 10.914 70 2.882 3.686 4.891 5.927 7.318 8.554 10.312 12.336 71 3.162 4.041 5.357 6.483 7.990 9.338 11.248 13.454 72 3.467 4.425 5.858 7.080 8.725 10.188 12.270 14.673 73 3.791 4.834 6.390 7.720 9.505 11.098 13.361 15.975 74 4.075 5.187 6.853 8.273 10.187 11.892 14.313 17.104 75 4.294 5.464 7.214 8.709 10.720 12.510 15.051 17.982 76 4.473 5.686 7.508 9.061 11.150 13.006 15.644 18.688 77 4.651 5.912 7.805 9.417 11.581 13.506 16.243 19.398 78 4.934 6.271 8.276 9.981 12.272 14.310 17.205 20.543 79 5.358 6.808 8.980 10.827 13.311 15.517 18.652 22.267 80 _.___ _.___ _.___ __.___ __.___ __.___ __.___ __.___ [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x)+14 ULT ------ ------ ------ ------ ------ ------ ------ ------- 0 0.142 0.130 0.125 0.123 0.130 0.164 0.201 0.257 15 1 0.129 0.126 0.125 0.131 0.166 0.203 0.259 0.310 16 2 0.125 0.126 0.133 0.167 0.205 0.262 0.314 0.364 17 3 0.125 0.134 0.169 0.207 0.265 0.317 0.368 0.377 18 4 0.134 0.171 0.209 0.267 0.320 0.372 0.381 0.409 19 5 0.170 0.212 0.270 0.323 0.375 0.385 0.413 0.420 20 6 0.211 0.273 0.327 0.379 0.389 0.417 0.424 0.329 21 7 0.272 0.330 0.383 0.393 0.421 0.428 0.329 0.315 22 8 0.328 0.387 0.397 0.426 0.432 0.329 0.316 0.305 23 9 0.385 0.401 0.430 0.437 0.330 0.316 0.306 0.298 24 10 0.389 0.434 0.441 0.330 0.316 0.306 0.299 0.289 25 11 0.422 0.446 0.330 0.317 0.306 0.299 0.289 0.283 26 12 0.433 0.331 0.317 0.307 0.299 0.290 0.283 0.271 27 13 0.321 0.317 0.307 0.300 0.290 0.283 0.271 0.279 28 14 0.308 0.307 0.300 0.290 0.284 0.271 0.279 0.283 29 15 0.298 0.298 0.291 0.284 0.272 0.279 0.284 0.290 30 16 0.289 0.291 0.282 0.272 0.280 0.284 0.290 0.296 31 17 0.283 0.284 0.274 0.282 0.286 0.291 0.296 0.295 32 18 0.274 0.277 0.268 0.278 0.286 0.293 0.296 0.298 33 19 0.259 0.266 0.260 0.273 0.283 0.294 0.300 0.307 34 20 0.247 0.258 0.254 0.269 0.280 0.295 0.309 0.321 35 21 0.254 0.269 0.270 0.282 0.296 0.312 0.333 0.348 36 22 0.252 0.271 0.278 0.290 0.309 0.333 0.361 0.384 37 23 0.256 0.279 0.290 0.304 0.331 0.360 0.387 0.419 38 24 0.266 0.293 0.314 0.330 0.364 0.400 0.433 0.471 39 25 0.283 0.315 0.341 0.369 0.410 0.452 0.488 0.530 40 26 0.297 0.336 0.368 0.405 0.448 0.496 0.541 0.583 41 27 0.326 0.372 0.409 0.450 0.498 0.551 0.599 0.641 42 28 0.359 0.412 0.450 0.494 0.546 0.605 0.657 0.707 43 29 0.398 0.460 0.502 0.547 0.601 0.662 0.720 0.779 44 30 0.445 0.514 0.559 0.608 0.663 0.728 0.791 0.863 45 31 0.489 0.564 0.613 0.667 0.727 0.798 0.870 0.957 46 32 0.525 0.607 0.660 0.720 0.786 0.864 0.948 1.046 47 33 0.560 0.650 0.711 0.779 0.860 0.957 1.057 1.172 48 34 0.597 0.691 0.763 0.844 0.946 1.061 1.178 1.320 49 35 0.647 0.746 0.827 0.922 1.037 1.166 1.296 1.460 50 36 0.699 0.808 0.900 1.005 1.134 1.279 1.426 1.601 51 37 0.761 0.880 0.981 1.095 1.236 1.397 1.565 1.741 52 38 0.846 0.980 1.084 1.206 1.353 1.530 1.720 1.896 53 39 0.943 1.088 1.201 1.333 1.498 1.699 1.920 2.115 54 40 1.026 1.188 1.306 1.447 1.627 1.844 2.096 2.334 55 41 1.113 1.290 1.424 1.587 1.787 2.036 2.336 2.645 56 42 1.227 1.427 1.583 1.768 1.992 2.274 2.614 2.996 57 43 1.315 1.545 1.729 1.947 2.210 2.528 2.916 3.373 58 44 1.404 1.665 1.886 2.149 2.454 2.817 3.247 3.779 59 45 1.502 1.796 2.063 2.369 2.726 3.135 3.620 4.207 60 46 1.620 1.945 2.252 2.608 3.020 3.487 4.033 4.666 61 47 1.774 2.116 2.453 2.844 3.302 3.818 4.404 5.069 62 48 1.955 2.310 2.667 3.093 3.596 4.160 4.807 5.528 63 49 2.150 2.523 2.899 3.355 3.897 4.523 5.240 6.040 64 50 2.346 2.745 3.151 3.649 4.261 4.978 5.812 6.744 65 51 2.603 3.041 3.474 4.023 4.700 5.511 6.456 7.513 66 52 2.864 3.341 3.819 4.423 5.178 6.086 7.145 8.326 67 53 3.118 3.644 4.179 4.854 5.692 6.692 7.869 9.193 68 54 3.372 3.956 4.558 5.320 6.240 7.334 8.631 10.068 69 55 3.636 4.286 4.967 5.818 6.831 8.027 9.459 10.990 70 56 3.914 4.642 5.408 6.355 7.472 8.788 10.361 12.087 71 57 4.213 5.031 5.886 6.940 8.177 9.625 11.361 13.324 72 58 4.554 5.459 6.406 7.570 8.940 10.549 12.475 14.637 73 59 4.957 5.935 6.970 8.241 9.762 11.563 13.698 16.081 74 60 5.420 6.463 7.581 8.968 10.655 12.667 15.037 17.658 75 61 5.934 7.042 8.284 9.839 11.766 14.089 16.795 19.862 76 62 6.490 7.682 9.060 10.804 12.995 15.638 18.744 22.307 77 63 7.065 8.357 9.929 11.941 14.486 17.601 21.258 25.591 78 64 7.670 9.077 10.830 13.077 15.960 19.481 23.632 28.640 79 65 8.358 9.899 11.884 14.469 17.780 21.864 26.697 32.530 80 66 9.178 10.865 13.079 15.952 19.639 24.188 29.592 35.964 81 67 10.179 12.050 14.563 17.814 21.976 27.122 33.293 40.512 82 68 11.428 13.502 16.298 19.858 24.387 29.989 36.791 44.687 83 69 12.919 15.232 18.400 22.359 27.354 33.562 41.229 50.362 84 70 14.645 17.221 20.806 25.175 30.657 37.497 46.079 56.737 85 71 15.970 18.775 22.837 27.807 34.055 41.856 51.670 63.891 86 72 17.414 20.459 25.152 30.915 38.167 47.255 58.718 73.030 87 73 18.948 22.256 27.656 34.295 42.672 53.190 66.498 83.110 88 74 20.282 23.823 29.800 37.169 46.482 58.194 72.985 91.512 89 75 21.322 25.034 31.531 39.556 49.703 62.454 78.603 98.871 90 76 22.150 26.003 32.748 41.076 51.585 64.804 81.560 102.570 91 77 22.988 26.983 33.978 42.594 53.479 67.184 84.538 106.315 92 78 24.341 28.568 35.953 45.061 56.576 71.060 89.415 112.393 93 79 26.382 30.945 38.936 48.799 61.257 76.940 96.765 121.618 94 80 __.___ __.___ __.___ __.___ __.___ __.___ ___.___ ___.___ 95
DOMINION LIFE EXPECTED MORTALITY ASSUMPTIONS (1000___ MEDICAL PROJECTED FEMALE NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ------ ------ ------ ------ ------ ------ ------ ------ 0 0.922 0.542 0.342 0.265 0.219 0.192 0.168 0.157 1 0.542 0.342 0.265 0.216 0.198 0.168 0.156 0.140 2 0.342 0.265 0.216 0.195 0.173 0.156 0.140 0.128 3 0.265 0.216 0.195 0.171 0.161 0.140 0.128 0.124 4 0.216 0.195 0.171 0.159 0.144 0.128 0.124 0.124 5 0.195 0.171 0.159 0.142 0.132 0.124 0.124 0.132 6 0.171 0.159 0.142 0.130 0.128 0.124 0.132 0.169 7 0.159 0.142 0.130 0.126 0.128 0.132 0.168 0.209 8 0.142 0.130 0.126 0.126 0.136 0.168 0.209 0.269 9 0.130 0.126 0.126 0.134 0.173 0.208 0.269 0.326 10 0.126 0.126 0.134 0.171 0.215 0.268 0.325 0.382 11 0.126 0.134 0.171 0.212 0.277 0.324 0.382 0.430 12 0.134 0.171 0.212 0.273 0.335 0.380 0.430 0.467 13 0.171 0.212 0.273 0.330 0.393 0.428 0.466 0.479 14 0.212 0.273 0.330 0.387 0.443 0.464 0.478 0.513 15 0.269 0.326 0.379 0.424 0.463 0.468 0.513 0.492 16 0.326 0.379 0.408 0.436 0.463 0.501 0.492 0.477 17 0.383 0.411 0.427 0.443 0.513 0.483 0.474 0.463 18 0.391 0.415 0.431 0.486 0.499 0.461 0.451 0.445 19 0.381 0.410 0.463 0.464 0.467 0.430 0.425 0.418 20 0.362 0.430 0.440 0.436 0.435 0.395 0.398 0.391 21 0.378 0.417 0.431 0.425 0.421 0.383 0.393 0.395 22 0.360 0.401 0.421 0.415 0.411 0.382 0.386 0.388 23 0.352 0.389 0.415 0.409 0.409 0.384 0.388 0.394 24 0.338 0.376 0.402 0.407 0.411 0.389 0.392 0.404 25 0.328 0.362 0.394 0.403 0.416 0.399 0.407 0.424 26 0.313 0.346 0.376 0.390 0.413 0.405 0.419 0.442 27 0.313 0.340 0.370 0.392 0.421 0.424 0.449 0.478 28 0.319 0.344 0.372 0.399 0.433 0.446 0.477 0.521 29 0.328 0.352 0.379 0.412 0.457 0.475 0.520 0.573 30 0.341 0.369 0.402 0.436 0.486 0.518 0.568 0.635 31 0.349 0.386 0.419 0.462 0.518 0.557 0.620 0.690 32 0.350 0.392 0.433 0.480 0.544 0.588 0.662 0.742 33 0.343 0.393 0.442 0.500 0.575 0.624 0.708 0.794 34 0.332 0.393 0.453 0.522 0.607 0.665 0.753 0.847 35 0.332 0.404 0.476 0.559 0.651 0.717 0.811 0.916 36 0.332 0.419 0.504 0.597 0.704 0.773 0.883 0.995 37 0.344 0.440 0.539 0.645 0.762 0.840 0.956 1.081 38 0.369 0.481 0.599 0.715 0.846 0.929 1.057 1.199 39 0.402 0.536 0.665 0.794 0.934 1.030 1.172 1.332 40 0.435 0.584 0.726 0.869 1.015 1.114 1.275 1.450 41 0.465 0.631 0.793 0.943 1.101 1.212 1.380 1.569 42 0.504 0.693 0.869 1.036 1.216 1.337 1.523 1.728 43 0.534 0.736 0.929 1.113 1.308 1.439 1.634 1.854 44 0.561 0.779 0.990 1.191 1.396 1.537 1.747 1.980 45 0.592 0.826 1.053 1.273 1.492 1.643 1.870 2.120 46 0.624 0.873 1.118 1.359 1.604 1.767 2.014 2.284 47 0.655 0.927 1.193 1.457 1.736 1.917 2.180 2.474 48 0.684 0.987 1.280 1.571 1.895 2.099 2.386 2.715 49 0.716 1.051 1.376 1.703 2.068 2.302 2.634 2.995 50 0.747 1.124 1.484 1.844 2.246 2.522 2.896 3.295 51 0.799 1.230 1.637 2.036 2.487 2.807 3.231 3.674 52 0.858 1.347 1.799 2.243 2.734 3.090 3.559 4.047 53 0.923 1.468 1.971 2.451 2.984 3.357 3.864 4.398 54 0.997 1.600 2.150 2.668 3.234 3.617 4.155 4.729 55 1.080 1.747 2.350 2.902 3.498 3.891 4.448 5.065 56 1.180 1.915 2.575 3.168 3.789 4.183 4.776 5.439 57 1.302 2.114 2.838 3.476 4.111 4.528 5.165 5.873 58 1.445 2.354 3.155 3.834 4.508 4.958 5.641 6.393 59 1.617 2.635 3.516 4.253 4.990 5.477 6.209 6.993 60 1.813 2.946 3.918 4.721 5.549 6.068 6.846 7.666 61 2.038 3.280 4.346 5.237 6.154 6.705 7.533 8.406 62 2.292 3.627 4.787 5.789 6.774 7.367 8.259 9.207 63 2.576 4.029 5.283 6.366 7.401 8.028 8.989 10.017 64 2.897 4.504 5.845 6.967 8.053 8.710 9.731 10.850 65 3.257 5.009 6.438 7.587 8.746 9.438 10.538 11.782 66 3.648 5.507 7.017 8.223 9.483 10.247 11.475 12.889 67 4.081 5.959 7.534 8.861 10.282 11.178 12.597 14.244 68 4.552 6.376 7.999 9.498 11.147 12.261 13.970 15.920 69 5.067 6.789 8.455 10.140 12.083 13.507 15.594 17.948 70 5.617 7.184 8.897 10.782 13.080 14.886 17.466 20.287 71 6.163 7.876 9.744 11.792 14.280 16.249 19.051 22.125 72 6.757 8.625 10.656 12.878 15.593 17.728 20.783 24.131 73 7.389 9.421 11.623 14.042 16.988 19.312 22.631 26.271 74 7.942 10.109 12.466 15.049 18.206 20.693 24.243 28.129 75 8.369 10.649 13.123 15.842 19.160 21.769 25.492 29.573 76 8.717 11.082 13.656 16.482 19.927 22.632 26.497 30.733 77 9.064 11.522 14.196 17.129 20.698 23.502 27.513 31.901 78 9.616 12.222 15.055 18.155 21.933 24.901 29.142 33.783 79 10.442 13.268 16.334 19.693 23.789 27.000 31.592 36.619 80 __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___ [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------- ------- ------- 0 0.142 0.130 0.125 0.123 0.130 0.164 0.201 0.257 15 1 0.129 0.126 0.125 0.131 0.166 0.203 0.259 0.310 16 2 0.125 0.126 0.133 0.167 0.205 0.262 0.314 0.364 17 3 0.125 0.134 0.169 0.207 0.265 0.317 0.368 0.410 18 4 0.134 0.171 0.209 0.267 0.320 0.372 0.414 0.445 19 5 0.170 0.212 0.270 0.323 0.375 0.419 0.449 0.456 20 6 0.211 0.273 0.327 0.379 0.423 0.454 0.461 0.433 21 7 0.272 0.330 0.383 0.427 0.458 0.466 0.447 0.415 22 8 0.328 0.387 0.431 0.463 0.470 0.461 0.429 0.402 23 9 0.385 0.436 0.468 0.475 0.475 0.442 0.415 0.393 24 10 0.434 0.473 0.480 0.490 0.456 0.428 0.406 0.381 25 11 0.471 0.485 0.505 0.470 0.441 0.419 0.393 0.372 26 12 0.483 0.520 0.484 0.455 0.432 0.405 0.384 0.357 27 13 0.518 0.499 0.469 0.445 0.418 0.397 0.368 0.367 28 14 0.497 0.483 0.458 0.431 0.409 0.380 0.379 0.373 29 15 0.481 0.468 0.444 0.421 0.391 0.391 0.385 0.381 30 16 0.466 0.457 0.430 0.403 0.403 0.397 0.394 0.389 31 17 0.456 0.447 0.419 0.418 0.412 0.407 0.402 0.389 32 18 0.441 0.435 0.410 0.412 0.412 0.410 0.403 0.393 33 19 0.418 0.419 0.397 0.405 0.408 0.411 0.407 0.404 34 20 0.398 0.406 0.387 0.399 0.403 0.413 0.419 0.422 35 21 0.409 0.424 0.413 0.418 0.427 0.437 0.452 0.459 36 22 0.406 0.426 0.424 0.430 0.446 0.466 0.489 0.506 37 23 0.412 0.438 0.444 0.452 0.477 0.504 0.526 0.552 38 24 0.428 0.461 0.479 0.490 0.525 0.560 0.589 0.620 39 25 0.455 0.495 0.522 0.547 0.590 0.633 0.663 0.699 40 26 0.479 0.529 0.562 0.602 0.645 0.694 0.734 0.768 41 27 0.526 0.586 0.624 0.667 0.717 0.771 0.813 0.844 42 28 0.578 0.648 0.687 0.734 0.786 0.846 0.892 0.931 43 29 0.641 0.724 0.766 0.812 0.867 0.926 0.978 1.026 44 30 0.716 0.808 0.854 0.901 0.956 1.018 1.073 1.137 45 31 0.788 0.887 0.936 0.989 1.048 1.117 1.181 1.260 46 32 0.846 0.954 1.008 1.069 1.133 1.209 1.287 1.378 47 33 0.902 1.021 1.086 1.156 1.240 1.338 1.435 1.543 48 34 0.961 1.086 1.165 1.252 1.363 1.484 1.599 1.739 49 35 1.042 1.172 1.263 1.367 1.493 1.630 1.759 1.923 50 36 1.127 1.269 1.374 1.491 1.634 1.789 1.936 2.108 51 37 1.225 1.384 1.498 1.625 1.780 1.954 2.124 2.293 52 38 1.363 1.540 1.655 1.789 1.950 2.140 2.335 2.497 53 39 1.518 1.710 1.834 1.978 2.158 2.376 2.606 2.785 54 40 1.652 1.866 1.994 2.146 2.344 2.580 2.846 3.073 55 41 1.793 2.026 2.174 2.354 2.574 2.847 3.171 3.483 56 42 1.976 2.242 2.418 2.623 2.869 3.181 3.549 3.945 57 43 2.118 2.428 2.640 2.888 3.183 3.536 3.958 4.441 58 44 2.262 2.617 2.880 3.187 3.535 3.939 4.407 4.977 59 45 2.420 2.822 3.150 3.515 3.926 4.384 4.913 5.539 60 46 2.609 3.056 3.439 3.869 4.350 4.877 5.473 6.144 61 47 2.858 3.325 3.745 4.218 4.756 5.340 5.977 6.674 62 48 3.148 3.630 4.072 4.588 5.181 5.818 6.524 7.280 63 49 3.463 3.964 4.427 4.976 5.613 6.325 7.112 7.954 64 50 3.778 4.313 4.811 5.412 6.138 6.961 7.888 8.881 65 51 4.193 4.778 5.305 5.967 6.770 7.707 8.763 9.893 66 52 4.612 5.249 5.831 6.561 7.459 8.512 9.698 10.964 67 53 5.022 5.725 6.380 7.201 8.200 9.359 10.681 12.104 68 54 5.431 6.216 6.959 7.891 8.989 10.256 11.715 13.256 69 55 5.856 6.734 7.584 8.630 9.840 11.226 12.838 14.471 70 56 6.304 7.293 8.257 9.427 10.764 12.290 14.063 15.915 71 57 6.785 7.905 8.988 10.293 11.779 13.461 15.420 17.544 72 58 7.334 8.577 9.780 11.229 12.878 14.753 16.931 19.273 73 59 7.983 9.325 10.641 12.223 14.063 16.172 18.592 21.174 74 60 8.729 10.155 11.575 13.302 15.348 17.715 20.408 23.251 75 61 9.557 11.064 12.648 14.594 16.948 19.704 22.795 26.153 76 62 10.451 12.070 13.833 16.025 18.719 21.870 25.441 29.372 77 63 11.378 13.130 15.160 17.711 20.867 24.616 28.853 33.697 78 64 12.353 14.262 16.535 19.397 22.991 27.244 32.074 37.711 79 65 13.460 15.552 18.144 21.462 25.613 30.577 36.234 42.833 80 66 14.781 17.070 19.970 23.661 28.290 33.827 40.163 47.354 81 67 16.393 18.933 22.235 26.423 31.657 37.931 45.187 53.343 82 68 18.404 21.213 24.883 29.455 35.130 41.939 49.935 58.840 83 69 20.805 23.932 28.094 33.164 39.403 46.937 55.958 66.312 84 70 23.584 27.057 31.766 37.341 44.162 52.439 62.541 74.706 85 71 25.718 29.499 34.868 41.244 49.056 58.536 70.129 84.126 86 72 28.044 32.145 38.402 45.856 54.980 66.086 79.695 96.160 87 73 30.514 34.968 42.225 50.868 61.468 74.387 90.254 109.433 88 74 32.663 37.430 45.500 55.131 66.958 81.385 99.058 120.495 89 75 34.337 39.332 48.142 58.672 71.598 87.342 106.683 130.185 90 76 35.672 40.855 50.000 60.927 74.307 90.628 110.696 135.055 91 77 37.020 42.394 51.878 63.178 77.037 93.957 114.739 139.987 92 78 39.199 44.886 54.894 66.837 81.498 99.378 121.359 147.989 93 79 42.486 48.619 59.448 72.381 88.241 107.600 131.333 160.137 94 80 __.___ __.___ __.___ __.___ __.___ ___.___ 141.485 172.515 95
DOMINION LIFE EXPECTED MORTALITY ASSUMPTIONS (1000___ MEDICAL PROJECTED FEMALE SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 0 0.922 0.542 0.342 0.265 0.219 0.192 0.168 0.157 0.142 1 0.542 0.342 0.265 0.216 0.198 0.168 0.156 0.140 0.129 2 0.342 0.265 0.216 0.195 0.173 0.156 0.140 0.128 0.125 3 0.265 0.216 0.195 0.171 0.161 0.140 0.128 0.124 0.125 4 0.216 0.195 0.171 0.159 0.144 0.128 0.124 0.124 0.134 5 0.195 0.171 0.159 0.142 0.132 0.124 0.124 0.132 0.170 6 0.171 0.159 0.142 0.130 0.128 0.124 0.132 0.169 0.211 7 0.159 0.142 0.130 0.126 0.128 0.132 0.168 0.209 0.272 8 0.142 0.130 0.126 0.126 0.136 0.168 0.209 0.269 0.328 9 0.130 0.126 0.126 0.134 0.173 0.208 0.269 0.326 0.385 10 0.126 0.126 0.134 0.171 0.215 0.268 0.325 0.382 0.473 11 0.126 0.134 0.171 0.212 0.277 0.324 0.382 0.478 0.513 12 0.134 0.171 0.212 0.273 0.335 0.380 0.483 0.518 0.527 13 0.171 0.212 0.273 0.330 0.393 0.488 0.524 0.532 0.878 14 0.212 0.273 0.330 0.387 0.500 0.529 0.537 0.887 0.858 15 0.269 0.326 0.379 0.474 0.524 0.534 0.896 0.867 0.846 16 0.326 0.379 0.456 0.487 0.524 0.889 0.875 0.854 0.834 17 0.383 0.435 0.478 0.496 0.901 0.873 0.858 0.844 0.830 18 0.391 0.439 0.481 0.845 0.893 0.848 0.832 0.825 0.818 19 0.381 0.434 0.805 0.821 0.851 0.805 0.797 0.789 0.791 20 0.362 0.708 0.780 0.787 0.806 0.752 0.760 0.754 0.774 21 0.588 0.700 0.777 0.780 0.794 0.742 0.767 0.784 0.821 22 0.571 0.685 0.772 0.775 0.789 0.756 0.775 0.795 0.845 23 0.568 0.676 0.774 0.777 0.803 0.781 0.802 0.835 0.887 24 0.555 0.665 0.764 0.790 0.829 0.818 0.842 0.886 0.949 25 0.548 0.651 0.764 0.803 0.867 0.868 0.903 0.958 1.033 26 0.532 0.636 0.751 0.802 0.890 0.912 0.957 1.022 1.106 27 0.544 0.642 0.761 0.837 0.939 0.982 1.049 1.124 1.231 28 0.569 0.670 0.794 0.882 0.996 1.059 1.136 1.243 1.373 29 0.604 0.711 0.838 0.937 1.074 1.147 1.256 1.386 1.540 30 0.652 0.773 0.914 1.013 1.165 1.268 1.389 1.556 1.744 31 0.689 0.832 0.975 1.094 1.257 1.381 1.535 1.711 1.942 32 0.712 0.863 1.027 1.152 1.336 1.479 1.662 1.865 2.112 33 0.714 0.881 1.061 1.216 1.433 1.590 1.800 2.019 2.280 34 0.704 0.894 1.103 1.286 1.532 1.714 1.938 2.182 2.451 35 0.713 0.931 1.172 1.394 1.662 1.871 2.113 2.380 2.678 36 0.722 0.977 1.259 1.510 1.821 2.044 2.320 2.605 2.919 37 0.758 1.040 1.363 1.652 1.996 2.239 2.533 2.854 3.187 38 0.825 1.151 1.532 1.854 2.234 2.497 2.822 3.179 3.530 39 0.910 1.301 1.724 2.076 2.487 2.789 3.140 3.515 3.918 40 0.996 1.435 1.898 2.288 2.723 3.031 3.404 3.813 4.245 41 1.078 1.561 2.088 2.504 2.967 3.283 3.670 4.108 4.588 42 1.180 1.729 2.308 2.763 3.265 3.608 4.031 4.507 5.038 43 1.258 1.851 2.476 2.954 3.497 3.866 4.309 4.816 5.353 44 1.334 1.967 2.629 3.149 3.718 4.112 4.587 5.102 5.647 45 1.412 2.079 2.786 3.352 3.957 4.379 4.871 5.394 5.965 46 1.482 2.187 2.944 3.565 4.236 4.670 5.180 5.738 6.351 47 1.550 2.314 3.130 3.805 4.548 5.004 5.538 6.137 6.837 48 1.613 2.452 3.344 4.070 4.901 5.411 5.986 6.618 7.402 49 1.681 2.600 3.566 4.359 5.282 5.860 6.493 7.175 7.997 50 1.745 2.759 3.797 4.659 5.663 6.308 7.016 7.753 8.569 51 1.853 2.983 4.137 5.079 6.165 6.901 7.690 8.490 9.291 52 1.966 3.225 4.489 5.500 6.660 7.463 8.316 9.137 9.979 53 2.088 3.469 4.834 5.907 7.140 7.961 8.821 9.694 10.657 54 2.227 3.716 5.181 6.315 7.598 8.380 9.262 10.226 11.298 55 2.370 3.989 5.564 6.745 8.031 8.803 9.726 10.737 11.940 56 2.544 4.295 5.985 7.195 8.494 9.282 10.237 11.299 12.589 57 2.757 4.654 6.447 7.707 9.038 9.850 10.849 11.951 13.269 58 3.006 5.064 6.997 8.339 9.716 10.570 11.608 12.738 14.036 59 3.286 5.536 7.648 9.068 10.540 11.437 12.510 13.636 14.948 60 3.597 6.069 8.355 9.866 11.481 12.408 13.500 14.625 15.981 61 3.965 6.626 9.081 10.719 12.470 13.417 14.533 15.681 17.098 62 4.372 7.180 9.799 11.602 13.431 14.422 15.578 16.783 18.264 63 4.816 7.812 10.589 12.487 14.357 15.368 16.569 17.836 19.410 64 5.306 8.553 11.464 13.369 15.273 16.294 17.522 18.858 20.558 65 5.841 9.308 12.355 14.236 16.211 17.246 18.523 19.978 21.841 66 6.403 10.012 13.167 15.077 17.169 18.279 19.677 21.310 23.370 67 7.007 10.593 13.814 I5.871 18.172 19.451 21.060 22.946 25.408 68 7.642 11.075 14.327 16.606 19.220 20.804 22.758 25.142 27.948 69 8.313 11.519 14.783 17.296 20.313 22.330 24.904 27.772 30.947 70 9.001 11.899 15.175 17.931 21.425 24.125 27.329 30.747 34.346 71 9.641 12.727 16.204 19.108 22.931 25.802 29.198 32.830 36.649 72 10.312 13.588 17.267 20.457 24.533 27.574 31.184 35.037 39.088 73 10.995 14.462 18.463 21.855 26.180 29.406 33.228 37.309 41.577 74 11.515 15.214 19.402 22.942 27.468 30.833 34.816 39.051 43.490 75 11.895 15.701 20.007 23.644 28.286 31.726 35.789 40.119 44.648 76 12.139 16.006 20.382 24.073 28.775 32.244 36.351 40.717 45.268 77 12.364 16.291 20.734 24.469 29.218 32.720 36.860 41.248 45.824 78 12.841 16.911 21.506 25.353 30.255 33.856 38.103 42.608 47.299 79 13.645 17.956 22.810 26.874 32.046 35.827 40.292 45.020 49.939 80 __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.__5 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------- ------- ------- 0 0.130 0.125 0.123 0.130 0.164 0.201 0.257 15 1 0.126 0.125 0.131 0.166 0.203 0.259 0.310 16 2 0.126 0.133 0.167 0.205 0.262 0.314 0.364 17 3 0.134 0.169 0.207 0.265 0.317 0.368 0.441 18 4 0.171 0.209 0.267 0.320 0.372 0.446 0.478 19 5 0.212 0.270 0.323 0.375 0.450 0.483 0.491 20 6 0.273 0.327 0.379 0.455 0.488 0.496 0.739 21 7 0.330 0.383 0.459 0.493 0.501 0.760 0.722 22 8 0.387 0.464 0.498 0.506 0.781 0.743 0.712 23 9 0.469 0.503 0.511 0.803 0.763 0.732 0.708 24 10 0.508 0.516 0.824 0.784 0.752 0.728 0.698 25 11 0.521 0.847 0.806 0.773 0.749 0.718 0.695 26 12 0.869 0.827 0.794 0.769 0.738 0.714 0.680 27 13 0.849 0.816 0.790 0.758 0.734 0.699 0.720 28 14 0.837 0.811 0.779 0.754 0.719 0.740 0.755 29 15 0.826 0.800 0.775 0.738 0.760 0.776 0.800 30 16 0.821 0.788 0.758 0.781 0.798 0.822 0.845 31 17 0.816 0.784 0.807 0.823 0.847 0.870 0.868 32 18 0.813 0.790 0.821 0.853 0.883 0.895 0.898 22 19 0.804 0.789 0.837 0.876 0.910 0.927 0.940 34 20 0.804 0.798 0.854 0.890 0.937 0.972 0.995 35 21 0.870 0.880 0.921 0.964 1.009 1.063 1.096 36 22 0.905 0.930 0.968 1.025 1.091 1.165 1.224 37 23 0.957 0.996 1.036 1.112 1.195 1.268 1.354 38 24 1.031 1.095 1.140 1.240 1.346 1.437 1.539 39 25 1.127 1.208 1.288 1.413 1.540 1.640 1.756 40 26 1.220 1.319 1.435 1.564 1.711 1.838 1.954 41 27 1.370 1.484 1.612 1.761 1.924 2.063 2.167 42 28 1.536 1.654 1.796 1.956 2.138 2.280 2.408 43 29 1.738 1.869 2.012 2.182 2.360 2.520 2.677 44 30 1.965 2.108 2.262 2.427 2.614 2.789 2.978 45 31 2.183 2.340 2.503 2.682 2.891 3.081 3.286 46 32 2.379 2.542 2.726 2.923 3.142 3.343 3.578 47 33 2.566 2.760 2.972 3.211 3.464 3.712 3.992 48 34 2.751 2.985 3.231 3.515 3.826 4.120 4.480 49 35 2.994 3.249 3.515 3.837 4.187 4.516 4.933 50 36 3.255 3.521 3.818 4.181 4.575 4.949 5.366 51 37 3.534 3.823 4.144 4.537 4.977 5.386 5.764 52 38 3.918 4.207 4.544 4.949 5.405 5.847 6.198 53 39 4.333 4.644 5.003 5.432 5.928 6.444 6.825 54 40 4.709 5.026 5.384 5.827 6.356 6.947 7.402 55 41 5.093 5.437 5.832 6.320 6.927 7.609 8.245 56 42 5.588 5.971 6.418 6.954 7.604 8.368 9.173 57 43 5.978 6.437 6.977 7.584 8.308 9.167 10.139 58 44 6.361 6.935 7.567 8.276 9.091 10.024 11.102 59 45 6.775 7.454 8.201 9.030 9.936 10.919 12.066 60 46 7.209 7.997 8.867 9.824 10.800 11.877 13.125 61 47 7.708 8.555 9.494 10.495 11.545 12.721 13.980 62 48 8.267 9.135 10.089 11.161 12.336 13.613 14.942 63 49 8.863 9.702 10.685 11.861 13.149 14.542 15.992 64 50 9.424 10.296 11.398 12.715 14.182 15.800 17.485 65 51 10.193 11.135 12.319 13.744 15.381 17.187 19.061 66 52 10.983 11.998 13.275 14.834 16.634 18.615 20.666 67 53 11.744 12.867 14.271 15.968 17.899 20.057 22.310 68 54 12.496 13.748 15.314 17.131 19.189 21.510 23.876 69 55 13.261 14.671 16.391 18.345 20.537 23.035 25.458 70 56 14.064 15.632 17.515 19.622 21.971 24.647 27.334 71 57 14.917 16.645 18.701 20.984 23.506 26.384 29.395 72 58 15.835 17.711 19.936 22.408 25.150 28.261 31.486 73 59 16.833 18.831 21.197 23.889 26.894 30.257 33.704 74 60 17.914 20.008 22.519 25.436 28.725 32.362 36.282 75 61 19.064 21.342 24.103 27.385 31.131 35.435 39.984 76 62 20.303 22.773 25.805 29.471 33.874 38.748 43.986 77 63 21.547 24.333 27.790 32.206 37.355 43.045 49.404 78 64 22.818 25.859 29.836 34.766 40.497 46.846 54.103 79 65 24.246 27.818 32.344 37.937 44.496 51.787 60.105 81 66 26.089 29.997 34.928 41.023 48.169 56.145 64.960 81 67 28.351 32.716 38.187 44.921 52.830 61.751 71.506 82 68 31.114 35.844 41.655 48.757 57.104 66.683 77.027 83 69 34.365 39.599 45.872 53.462 62.451 72.975 84.720 84 70 38.018 43.796 50.493 58.552 68.136 79.599 93.100 85 71 40.541 46.994 54.498 63.515 74.229 87.063 102.194 86 72 43.188 50.576 59.171 69.474 81.744 96.444 113.794 87 73 45.909 54.308 64.061 75.765 89.691 106.400 127.195 88 74 47.990 57.113 67.723 80.449 95.593 114.699 137.536 89 75 49.215 58.945 70.255 83.801 100.763 121.308 145.871 90 76 49.864 59.675 71.070 85.424 102.676 123.563 148.509 91 77 50.438 60.317 72.383 86.970 104.494 125.689 151.002 92 78 52.023 62.687 75.199 90.319 108.465 130.410 158.064 93 79 55.346 66.667 79.943 95.970 115.203 139.741 169.376 94 80 58.600 70.560 84.570 101.482 122.900 149.080 180.661 95
DOMINION LIFE EXPECTED MORTALITY ASSUMPTIONS (1000___ MEDICAL PROJECTED FEMALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ----- ----- ------ ------ ------ ------ ------ ------ ------ 0 0.922 0.542 0.342 0.265 0.219 0.192 0.168 0.157 0.142 1 0.542 0.342 0.265 0.216 0.198 0.168 0.156 0.140 0.129 2 0.342 0.265 0.216 0.195 0.173 0.156 0.140 0.128 0.125 3 0.265 0.216 0.195 0.171 0.161 0.140 0.128 0.124 0.125 4 0.216 0.195 0.171 0.159 0.144 0.128 0.124 0.124 0.134 5 0.195 0.171 0.159 0.142 0.132 0.124 0.124 0.132 0.170 6 0.171 0.159 0.142 0.130 0.128 0.124 0.132 0.169 0.211 7 0.159 0.142 0.130 0.126 0.128 0.132 0.168 0.209 0.272 8 0.142 0.130 0.126 0.126 0.136 0.168 0.209 0.269 0.328 9 0.130 0.126 0.126 0.134 0.173 0.208 0.269 0.326 0.385 10 0.126 0.126 0.134 0.171 0.215 0.268 0.325 0.382 0.415 11 0.126 0.134 0.171 0.212 0.277 0.324 0.382 0.408 0.450 12 0.134 0.171 0.212 0.273 0.335 0.380 0.400 0.442 0.462 13 0.171 0.212 0.273 0.330 0.393 0.392 0.434 0.454 0.497 14 0.212 0.273 0.330 0.387 0.400 0.425 0.445 0.488 0.485 15 0.269 0.326 0.379 0.381 0.419 0.429 0.478 0.477 0.478 16 0.326 0.379 0.367 0.392 0.419 0.461 0.467 0.470 0.472 17 0.383 0.370 0.385 0.399 0.465 0.452 0.458 0.464 0.469 18 0.351 0.373 0.388 0.439 0.461 0.439 0.444 0.454 0.462 19 0.343 0.369 0.418 0.426 0.439 0.417 0.425 0.434 0.448 20 0.326 0.388 0.405 0.408 0.416 0.390 0.406 0.415 0.438 21 0.341 0.384 0.403 0.405 0.410 0.385 0.409 0.431 0.465 22 0.331 0.375 0.401 0.402 0.407 0.392 0.414 0.437 0.478 23 0.330 0.371 0.402 0.404 0.414 0.405 0.428 0.459 0.502 24 0.322 0.364 0.397 0.410 0.428 0.424 0.449 0.487 0.537 25 0.318 0.357 0.397 0.417 0.447 0.450 0.482 0.527 0.584 26 0.309 0.348 0.390 0.416 0.459 0.473 0.511 0.562 0.626 27 0.316 0.352 0.395 0.435 0.485 0.509 0.560 0.618 0.696 28 0.330 0.367 0.412 0.458 0.514 0.549 0.606 0.684 0.776 29 0.351 0.390 0.435 0.486 0.555 0.594 0.670 0.763 0.871 30 0.378 0.424 0.475 0.526 0.601 0.657 0.742 0.856 0.987 31 0.400 0.456 0.506 0.568 0.649 0.716 0.820 0.941 1.099 32 0.413 0.473 0.533 0.598 0.690 0.766 0.887 1.026 1.195 33 0.414 0.483 0.551 0.632 0.739 0.824 0.961 1.111 1.290 34 0.408 0.490 0.573 0.668 0.791 0.888 1.035 1.200 1.387 35 0.414 0.510 0.609 0.724 0.858 0.970 1.129 1.309 1.515 36 0.419 0.536 0.654 0.784 0.940 1.060 1.239 1.433 1.651 37 0.440 0.570 0.708 0.858 1.030 1.161 1.353 1.570 1.803 38 0.479 0.631 0.796 0.963 1.153 1.294 1.507 1.749 1.997 39 0.528 0.713 0.895 1.078 1.284 1.446 1.677 1.934 2.216 40 0.578 0.786 0.986 1.189 1.406 1.571 1.818 2.098 2.402 41 0.626 0.856 1.085 1.301 1.532 1.702 1.960 2.260 2.596 42 0.685 0.948 1.199 1.435 1.685 1.870 2.153 2.480 2.850 43 0.730 1.015 1.286 1.534 1.805 2.004 2.302 2.650 3.029 44 0.774 1.078 1.366 1.636 1.919 2.132 2.450 2.807 3.195 45 0.820 1.140 1.447 1.741 2.043 2.270 2.602 2.968 3.375 46 0.860 1.199 1.529 1.852 2.187 2.421 2.767 3.157 3.593 47 0.900 1.269 1.626 1.977 2.348 2.594 2.958 3.376 3.869 48 0.937 1.344 1.737 2.114 2.530 2.805 3.197 3.641 4.188 49 0.976 1.426 1.853 2.264 2.727 3.038 3.468 3.948 4.525 50 1.013 1.513 1.972 2.420 2.924 3.270 3.748 4.266 4.848 51 1.076 1.636 2.149 2.639 3.183 3.577 4.107 4.671 5.257 52 1.141 1.768 2.332 2.857 3.438 3.869 4.442 5.027 5.646 53 1.212 1.902 2.511 3.068 3.686 4.127 4.712 5.334 6.030 54 1.293 2.038 2.691 3.281 3.923 4.344 4.948 5.626 6.393 55 1.376 2.187 2.890 3.504 4.146 4.563 5.195 5.907 6.756 56 1.477 2.355 3.109 3.738 4.385 4.812 5.468 6.217 7.123 57 1.601 2.552 3.349 4.004 4.666 5.106 5.795 6.575 7.508 58 1.745 2.777 3.635 4.332 5.016 5.479 6.201 7.008 7.941 59 1.908 3.035 3.973 4.711 5.442 5.929 6.683 7.502 8.457 60 2.089 3.328 4.340 5.125 5.928 6.432 7.212 8.046 9.042 61 2.302 3.633 4.718 5.568 6.438 6.955 7.763 8.627 9.674 62 2.538 3.937 5.091 6.027 6.935 7.476 8.322 9.234 10.334 63 2.796 4.284 5.501 6.487 7.412 7.967 8.851 9.813 10.982 64 3.081 4.690 5.956 6.945 7.886 8.447 9.360 10.376 11.632 65 3.391 5.104 6.418 7.396 8.370 8.940 9.895 10.992 12.358 66 3.717 5.490 6.840 7.833 8.865 9.476 10.511 11.724 13.223 67 4.068 5.809 7.176 8.245 9.382 10.084 11.250 12.625 14.376 58 4.437 6.073 7.443 8.627 9.923 10.785 12.157 13.833 15.813 69 4.826 6.316 7.680 8.985 10.488 11.576 13.303 15.280 17.510 70 5.226 6.525 7.884 9.315 11.062 12.506 14.598 16.917 19.433 71 5.598 6.979 8.418 9.927 11.840 13.376 15.597 18.063 20.737 72 5.987 7.451 8.970 10.628 12.667 14.294 16.658 19.277 22.116 73 6.384 7.931 9.592 11.354 13.517 15.244 17.750 20.527 23.525 74 6.686 8.343 10.080 11.919 14.182 15.984 18.598 21.486 24.607 75 6.907 8.610 10.394 12.283 14.605 16.447 19.118 22.073 25.262 76 7.048 8.777 10.589 12.506 14.857 16.715 19.418 22.402 25.613 77 7.179 8.934 10.771 12.712 15.086 16.962 19.690 22.694 25.928 78 7.456 9.273 11.172 13.171 15.621 17.551 20.354 23.443 26.762 79 7.973 9.846 11.850 13.961 16.546 18.573 21.523 24.770 28.256 80 _.___ _.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___ [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+l4 ULT ------ ------ ------ ------ ------ ------- ------- 0 0.130 0.125 0.123 0.130 0.164 0.201 0.257 15 1 0.126 0.125 0.131 0.166 0.203 0.259 0.310 16 2 0.126 0.133 0.167 0.205 0.262 0.314 0.364 17 3 0.134 0.169 0.207 0.265 0.317 0.368 0.398 18 4 0.171 0.209 0.267 0.320 0.372 0.402 0.432 19 5 0.212 0.270 0.323 0.375 0.406 0.436 0.443 20 6 0.273 0.327 0.379 0.410 0.440 0.447 0.536 21 7 0.330 0.383 0.415 0.445 0.452 0.531 0.524 22 8 0.387 0.419 0.449 0.456 0.526 0.519 0.516 23 9 0.423 0.454 0.461 0.522 0.515 0.512 0.514 24 10 0.459 0.466 0.516 0.510 0.507 0.509 0.506 25 11 0.470 0.511 0.505 0.502 0.505 0.502 0.504 26 12 0.506 0.500 0.498 0.500 0.497 0.499 0.493 27 13 0.494 0.493 0.495 0.493 0.495 0.489 0.522 28 14 0.487 0.490 0.488 0.490 0.484 0.517 0.547 29 15 0.480 0.483 0.485 0.480 0.513 0.543 0.580 30 16 0.478 0.476 0.475 0.508 0.538 0.575 0.613 31 17 0.475 0.474 0.506 0.535 0.571 0.608 0.630 32 18 0.473 0.477 0.515 0.554 0.595 0.626 0.651 33 19 0.468 0.476 0.525 0.569 0.614 0.648 0.682 34 20 0.468 0.482 0.535 0.578 0.631 0.680 0.722 35 21 0.506 0.531 0.577 0.627 0.680 0.743 0.795 36 22 0.527 0.562 0.606 0.667 0.735 0.815 0.888 37 23 0.557 0.601 0.649 0.723 0.806 0.887 0.982 38 24 0.600 0.662 0.714 0.806 0.907 1.005 1.116 39 25 0.656 0.730 0.807 0.919 1.038 1.147 1.274 40 26 0.710 0.797 0.899 1.017 1.154 1.285 1.417 41 27 0.797 0.896 1.010 1.144 1.297 1.442 1.571 42 28 0.894 0.999 1.125 1.271 1.441 1.594 1.746 43 29 1.012 1.129 1.261 1.418 1.591 1.762 1.942 44 30 1.144 1.274 1.417 1.577 1.762 1.950 2.160 45 31 1.271 1.414 1.568 1.744 1.949 2.155 2.383 46 32 1.385 1.535 1.708 1.900 2.118 2.338 2.595 47 33 1.494 1.667 1.863 2.087 2.335 2.596 2.895 48 34 1.602 1.803 2.025 2.285 2.579 2.881 3.249 49 35 1.743 1.963 2.203 2.494 2.823 3.158 3.578 50 36 1.895 2.127 2.392 2.718 3.085 3.461 3.891 51 37 2.058 2.309 2.597 2.950 3.356 3.766 4.180 52 38 2.281 2.541 2.847 3.217 3.644 4.089 4.495 53 39 2.523 2.805 3.135 3.532 3.997 4.506 4.950 54 40 2.742 3.036 3.374 3.788 4.285 4.858 5.368 55 41 2.965 3.284 3.655 4.108 4.670 5.321 5.980 56 42 3.254 3.607 4.022 4.521 5.127 5.852 6.652 57 43 3.481 3.889 4.372 4.930 5.601 6.411 7.353 58 44 3.704 4.190 4.742 5.380 6.130 7.010 8.051 59 45 3.944 4.503 5.140 5.870 6.699 7.635 8.750 60 46 4.197 4.831 5.557 6.387 7.282 8.305 9.519 61 47 4.488 5.168 5.950 6.823 7.785 8.895 10.138 62 48 4.813 5.518 6.323 7.256 8.318 9.519 10.836 63 49 5.160 5.861 6.696 7.711 8.866 10.169 11.598 64 50 5.487 6.220 7.143 8.266 9.563 11.049 12.680 65 51 5.935 6.727 7.721 8.935 10.371 12.019 13.823 66 52 6.395 7.248 8.320 9.643 11.216 13.018 14.987 67 53 6.838 7.773 8.944 10.380 12.069 14.026 16.180 68 54 7.275 8.305 9.598 11.137 12.939 15.042 17.316 69 55 7.721 8.863 10.273 11.926 13.847 16.108 18.463 70 56 8.189 9.443 10.977 12.756 14.814 17.236 19.823 71 57 8.685 10.056 11.721 13.642 15.850 18.450 21.318 72 58 9.220 10.700 12.494 14.568 16.958 19.763 22.834 73 59 9.801 11.376 13.285 15.530 18.134 21.159 24.443 74 60 10.430 12.087 14.113 16.536 19.369 22.631 26.313 75 61 11.100 12.893 15.106 17.803 20.991 24.780 28.997 76 62 11.821 13.757 16.173 19.159 22.840 27.097 31.900 77 63 12.546 14.700 17.417 20.937 25.187 30.102 35.829 78 64 13.286 15.622 18.699 22.601 27.306 32.760 39.236 79 65 14.117 16.806 20.271 24.663 30.003 36.215 43.590 80 66 15.190 18.122 21.891 26.669 32.479 39.262 47.111 8i 67 16.507 19.764 23.933 29.203 35.622 43.183 51.857 87 58 18.116 21.654 26.106 31.697 38.504 46.632 55.861 89 69 20.009 23.923 28.750 34.755 42.109 51.032 61.441 84 70 22.136 26.458 31.646 38.065 45.943 55.664 67.518 85 71 23.605 28.390 34.156 41.292 50.051 60.884 74.113 86 72 25.146 30.554 37.085 45.165 55.118 67.444 82.526 87 73 26.731 32.809 40.149 49.255 60.477 74.406 92.245 88 74 27.942 34.503 42.444 52.300 64.456 80.209 99.744 89 75 28.656 35.610 44.031 54.480 67.942 84.831 105.789 90 76 29.034 36.051 44.542 55.535 69.232 86.408 107.702 91 77 29.368 36.439 45.365 56.540 70.458 87.895 109.510 92 78 30.290 37.871 47.130 58.717 73.135 91.197 114.632 93 79 32.225 40.276 50.103 62.391 77.679 97.722 122.835 94 80 __.___ __.___ __.___ __.___ __.___ ___.___ ___.___ 95
4. Premium Tax Reimbursement: A. The reinsurance premiums for these plans of insurance have been calculated to reflect the Ceding Company's premium tax liability. North American Re shall not make any additional reimbursement for premium taxes. 5. Percentage of Participation: A. North American Re's percentage of participation shall be equal to 20% of 100%. IN WITNESS WHEREOF, the Company and North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. THE LIFE INSURANCE COMPANY OF VIRGINIA By /s/ Illegible Illegible --------------------, ------------------ Authorized Officer Title Attest: By /s/ Illegible Illegible --------------------, --------------- Authorized Officer Title Date: June 3, 1992 NORTH AMERICAN REASSURANCE COMPANY By /s/ Illegible Sr. Vice President --------------------, ------------------ Authorized Officer Title Attest: By /s/ Illegible V.P --------------------, --------------- Authorized Officer Title Date: June 9, 1992 - 2 - REINSURANCE PREMIUMS I. Plan: 15 Year Graded Premium Whole Life (TLevel 15) II. Standard Reinsurance Risk Premiums: Reinsurance on the above plan shall be ceded on a bordereau basis employing annual reinsurance premiums. The reinsurance premiums shall equal the mortality assumptions attached to this Exhibit B, multiplied by the following factors: ISSUE PREF PREF AGE NS NS SMK SMK ---------- ---- ---- ---- ---- 0-40 1.25 1.25 1.25 1.25 41-60 1.08 1.10 1.05 1.05 61 & Older 1.10 1.08 1.15 1.15 Re-entry is available after 15 years. Upon re-entry, the policy is treated as a new issue. III. Multiple Table Substandard Reinsurance Premiums: Multiple table substandard reinsurance premiums are equal to the sum of the standard premium (Preferred Nonsmoker and Smoker or Standard Nonsmoker and Smoker) and 25% of the standard premium for each 25% excess mortality. IV. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B Memorandum Addendum No. VII to the Automatic Reinsurance Agreement effective June 1, 1984 between the Life Insurance Company of Virginia and the North American Reassurance Company. Effective April 1, 1992, reinsurance generated on the 15 Year Graded Premium Whole Life plan, (TLevel 15) shall be ceded under the above referenced Reinsurance Agreement subject to the same terms and conditions of the Agreement except as provided below: 1. Plan of Reinsurance: A. Reinsurance of Life risks shall be on the risk premium basis. The risk amount on the policy reinsured shall be calculated annually and shall be equal to the face amount less the Company's retention. 2. Reinsurance Administration: A. Reinsurance shall be ceded using a bordereau format in accordance with the suggested reporting details for Non-Universal Life products as indicated in Exhibit C of the basic Agreement. 3. Reinsurance Premiums: A. Life Premiums i) Until further notice, reinsurance premiums shall be developed as described in the Exhibit B attached to this Memorandum Addendum. North American Re guarantees that premium rates for a given attained age, rating, and duration shall not exceed the higher of the rate shown in the attached schedule (Exhibit B) for that age, rating, and duration or the one year term rate on the appropriate multiple of the applicable 1980 CSO table at the maximum statutory valuation rate approved in New York state. ii) Reinsurance premiums are annual premiums payable at the end of the month in which they become due. - 1 - Memorandum Addendum No. VIII to the Automatic Reinsurance Agreement effective June 1, 1984 between the Life Insurance Company of Virginia and North American Reassurance Company. Effective February 1, 1993, reinsurance generated on the Dominion Life Series shall be ceded under the above referenced Reinsurance Agreement subject to the same terms and conditions of the Agreement except as provided below: 1. Plan of Reinsurance: A. Reinsurance of Life risks shall be on the risk premium basis. The risk amount on the policy reinsured shall be calculated monthly and shall be equal to the death benefit less the cash value. At the time of issue, the Ceding Company shall cede to North American Re the portion of the initial risk amount in excess of its retention. Thereafter, the Ceding Company and North American Re shall keep the same proportionate shares of the risk amount developed each month. 2. Reinsurance Administration: A. Reinsurance shall be ceded using a bordereau format in accordance with the suggested reporting details for Universal Life products as indicated in Exhibit C of the basic Agreement. 3. Reinsurance Premiums: A. Life Premiums i) Until further notice, reinsurance premiums shall be developed as described in the Exhibit B attached to this Memorandum Addendum. North American Re guarantees that premium rates for a given attained age, rating, and duration shall not exceed the higher of the rate shown in the attached schedule (Exhibit B) for that age, rating, and duration or the one year term rate on the appropriate multiple of the applicable 1980 CSO table at the maximum statutory valuation rate approved in New York state. - 1 - ii) Reinsurance premiums are annual premiums payable at the end of the month in which they become due. 4. Premium Tax Reimbursement: A. The reinsurance premiums for these plans of insurance have been calculated to reflect the Ceding Company's premium tax liability. North American Re shall not make any additional reimbursement for premium taxes. 5. Percentage of Participation: A. North American Re's percentage of participation shall be equal to 20% of 100%. IN WITNESS WHEREOF, the Company and North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. THE LIFE INSURANCE COMPANY OF VIRGINIA By /s/ Illegible Illegible --------------------, ------------------ Authorized Officer Title Attest: By /s/ Illegible Vice President and _____ --------------------, ------------------------ Authorized Officer Title Date: March 19, 1993 NORTH AMERICAN REASSURANCE COMPANY By /s/ Illegible Sr. Vice President --------------------, ------------------ Authorized Officer Title Attest: By /s/ Illegible Assistant Secretary --------------------, ------------------- Authorized Officer Title Date: March 25, 1993 - 2 - REINSURANCE PREMIUMS I. Plans: Graded Premium Life (TLevel 10) 15 Year Graded Premium Life (TLevel 15) II. Standard Reinsurance Risk Premiums: Reinsurance on the above plans shall be ceded on a bordereau basis employing annual reinsurance premiums. The reinsurance premiums shall equal the mortality assumptions attached to this Exhibit B, multiplied by the following factors: ISSUE PREF STD PREF STD AGE NS NS SMK SMK ---------- ---- ---- ---- ---- 0-40 1.38 1.29 1.30 1.23 41-60 1.19 1.11 1.08 1.06 61 & Older 1.22 1.11 1.20 1.15 Re-entry is available after 10 years for the TLevel 10 plan and after 15 years for the TLevel 15 plan. Upon re-entry, the policy is treated as a new issue. III. Multiple Table Substandard Reinsurance Premiums: Multiple table substandard reinsurance premiums are equal to the sum of the standard premium (Preferred Nonsmoker and Smoker or Standard Nonsmoker and Smoker) and 25% of the standard premium for each 25% excess mortality. IV. Maximum Amount of Reinsurance On One Life On These Reinsurance Premiums: $5,000,000. For the excess amount over $5,000,000 rate schedule NRN-5833, which is attached to the basic agreement, will apply. The nonsmoker rates in schedule NRN-5833 will be used for both preferred nonsmoker and standard nonsmokers. The smoker rates will be used for both preferred smoker and standard smokers. V. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B MALE PREFERRED NONSMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS 1-15
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT -- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ 20 0.620 0.570 0.588 0.588 0.582 0.547 0.549 0.540 0.542 0.553 0.496 0.529 0.555 0.585 0.614 1.690 35 21 0.399 0.519 0.550 0.556 0.551 0.527 0.550 0.559 0.585 0.610 0.556 0.576 0.594 0.617 0.650 1.770 36 22 0.348 0.459 0.493 0.495 0.491 0.482 0.492 0.504 0.528 0.562 0.526 0.543 0.574 0.616 0.651 1.880 37 23 0.309 0.404 0.438 0.440 0.443 0.435 0.447 0.458 0.484 0.524 0.500 0.526 0.577 0.622 0.672 2.000 38 24 0.268 0.351 0.382 0.395 0.398 0.399 0.405 0.424 0.455 0.494 0.490 0.525 0.580 0.647 0.705 2.140 39 25 0.239 0.310 0.345 0.357 0.372 0.373 0.386 0.411 0.443 0.488 0.497 0.541 0.616 0.691 0.760 2.290 40 26 0.221 0.289 0.319 0.338 0.356 0.369 0.389 0.415 0.454 0.511 0.518 0.587 0.662 0.751 0.836 2.470 41 27 0.216 0.274 0.305 0.327 0.353 0.376 0.402 0.435 0.486 0.544 0.563 0.636 0.723 0.823 0.922 2.650 12 28 0.215 0.274 0.300 0.329 0.360 0.389 0.421 0.471 0.522 0.596 0.611 0.692 0.787 0.900 1.010 2.860 43 29 0.221 0.277 0.306 0.340 0.377 0.412 0.462 0.512 0.580 0.663 0.681 0.765 0.868 0.987 1.109 3.070 44 30 0.225 0.287 0.321 0.353 0.395 0.446 0.492 0.562 0.638 0.731 0.749 0.842 0.952 1.081 1.213 3.320 45 31 0.227 0.298 0.328 0.369 0.418 0.469 0.532 0.602 0.694 0.791 0.814 0.919 1.040 1.180 1.335 3.590 46 32 0.230 0.302 0.340 0.387 0.436 0.500 0.570 0.650 0.748 0.857 0.885 1.004 1.136 1.299 1.485 3.880 47 33 0.225 0.303 0.351 0.401 0.465 0.532 0.613 0.698 0.802 0.923 0.960 1.089 1.250 1.447 1.661 4.190 48 34 0.215 0.302 0.353 0.416 0.485 0.561 0.644 0.738 0.849 0.975 1.020 1.175 1.373 1.603 1.852 4.540 49 35 0.217 0.308 0.372 0.445 0.521 0.605 0.696 0.803 0.924 1.053 1.115 1.299 1.525 1.790 2.078 4.910 50 36 0.219 0.326 0.401 0.484 0.573 0.666 0.773 0.889 1.016 1.165 1.241 1.447 1.704 2.007 2.335 5.350 51 37 0.231 0.349 0.436 0.532 0.633 0.738 0.855 0.983 1.129 1.298 1.381 1.611 1.898 2.239 2.612 5.860 52 38 0.248 0.380 0.484 0.591 0.704 0.818 0.943 1.093 1.260 1.448 1.534 1.788 2.102 2.483 2.923 6.430 53 39 0.270 0.424 0.538 0.657 0.779 0.905 1.048 1.218 1.406 1.611 1.703 1.980 2.324 2.758 3.254 7.090 54 40 0.297 0.471 0.600 0.734 0.861 1.001 1.167 1.355 1.563 1.795 1.890 2.189 2.577 3.050 3.621 7.820 55 41 0.324 0.519 0.668 0.811 0.954 1.114 1.291 1.497 1.733 1.990 2.093 2.434 2.852 3.383 4.041 8.630 56 42 0.352 0.571 0.732 0.893 1.058 1.231 1.426 1.653 1.912 2.200 2.329 2.706 3.172 3.771 4.513 9.490 57 43 0.380 0.618 0.799 0.982 1.163 1.354 1.565 1.811 2.088 2.432 2.579 3.014 3.549 4.213 5.039 10.420 58 44 0.408 0.669 0.873 1.074 1.269 1.478 1.708 1.972 2.277 2.667 2.857 3.366 3.975 4.715 5.613 11.470 59 45 0.440 0.728 0.950 1.174 1.388 1.616 1.866 2.156 2.480 2.931 3.173 3.756 4.451 5.268 6.282 12.640 60 46 0.475 0.786 1.031 1.283 1.525 1.773 2.053 2.366 2.726 3.234 3.518 4.183 4.968 5.905 7.022 13.940 61 47 0.511 0.855 1.127 1.407 1.685 1.966 2.265 2.614 3.045 3.588 3.905 4.646 5.553 6.606 7.840 15.420 62 48 0.547 0.932 1.237 1.550 1.881 2.195 2.529 2.925 3.422 3.995 4.327 5.168 6.183 7.362 8.753 17.110 63 49 0.586 1.016 1.359 1.720 2.094 2.457 2.849 3.294 3.839 4.446 4.813 5.732 6.856 8.190 9.769 19.020 64 50 0.626 1.112 1.500 1.900 2.322 2.749 3.199 3.699 4.273 4.953 5.331 6.334 7.585 9.089 10.885 21.130 65 51 0.669 1.217 1.651 2.093 2.567 3.054 3.561 4.111 4.743 5.485 5.895 7.020 8.436 10.173 12.242 23.400 66 52 0.720 1.329 1.811 2.302 2.816 3.353 3.909 4.530 5.216 6.028 6.514 7.802 9.443 11.460 13.887 25.860 67 53 0.772 1.445 1.980 2.510 3.066 3.631 4.245 4.921 5.682 6.576 7.150 8.612 10.454 12.721 15.489 28.500 68 54 0.832 1.572 2.155 2.725 3.312 3.913 4.564 5.294 6.145 7.143 7.844 9.528 11.628 14.221 17.407 31.380 69 55 0.899 1.714 2.350 2.955 3.584 4.209 4.888 5.671 6.631 7.745 8.566 10.469 12.827 15.719 19.307 34.630 70 56 0.980 1.874 2.567 3.227 3.881 4.527 5.249 6.094 7.142 8.385 9.347 11.497 14.137 17.377 21.425 38.310 71 57 1.079 2.061 2.830 3.539 4.212 4.901 5.679 6.584 7.685 9.085 10.178 12.557 15.474 19.057 23.526 42.560 72 58 1.194 2.296 3.145 3.906 4.619 5.369 6.208 7.164 8.304 9.861 11.078 13.700 16.938 20.916 25.897 47.440 73 59 1.336 2.570 3.507 4.333 5.117 5.935 6.830 7.834 9.043 10.723 12.086 15.006 18.657 23.203 28.851 52.920 74 60 1.498 2.874 3.908 4.813 5.694 6.573 7.529 8.592 9.889 11.680 13.163 16.353 20.415 25.492 31.794 58.800 75 61 1.684 3.201 4.337 5.342 6.312 7.261 8.288 9.423 10.830 12.741 14.383 17.937 22.509 28.293 35.357 65.060 76 62 1.894 3.541 4.781 5.903 6.945 7.980 9.087 10.323 11.858 13.919 15.711 19.601 24.674 31.037 38.851 71.640 77 63 2.131 3.936 5.274 6.490 7.592 8.699 9.893 11.245 12.927 15.181 17.179 21.527 27.178 34.340 43.128 78.470 78 64 2.398 4.400 5.833 7.105 8.261 9.440 10.724 12.197 14.071 16.537 18.786 23.594 29.922 37.953 47.804 85.720 79 65 2.695 4.891 6.427 7.739 8.975 10.242 11.629 13.278 15.377 18.104 20.579 25.929 32.977 41.940 52.927 93.670 80
MALE NONSMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS 1-15
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT -- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ 20 0.646 0.871 0.891 0.886 0.870 0.811 0.808 0.790 0.788 0.798 0.723 0.744 0.751 0.764 0.771 1.690 35 21 0.600 0.794 0.835 0.836 0.823 0.782 0.810 0.818 0.850 0.881 0.810 0.809 0.805 0.805 0.817 1.770 36 22 0.524 0.702 0.749 0.745 0.733 0.715 0.724 0.737 0.767 0.811 0.766 0.763 0.777 0.803 0.818 1.880 37 23 0.465 0.618 0.665 0.662 0.662 0.646 0.658 0.671 0.704 0.757 0.729 0.739 0.781 0.812 0.844 2.000 38 24 0.404 0.536 0.579 0.594 0.595 0.592 0.596 0.620 0.661 0.714 0.714 0.738 0.785 0.844 0.887 2.140 39 25 0.360 0.473 0.523 0.538 0.556 0.553 0.569 0.602 0.645 0.705 0.724 0.761 0.834 0.902 0.955 2.290 40 26 0.333 0.442 0.484 0.508 0.532 0.548 0.573 0.608 0.659 0.738 0.755 0.824 0.896 0.980 1.050 2.470 41 27 0.324 0.419 0.462 0.493 0.527 0.558 0.592 0.636 0.707 0.785 0.821 0.893 0.980 1.074 1.158 2.650 42 28 0.323 0.418 0.455 0.495 0.537 0.577 0.620 0.689 0.759 0.861 0.890 0.973 1.065 1.174 1.269 2.860 43 29 0.333 0.424 0.464 0.512 0.563 0.612 0.680 0.750 0.844 0.958 0.993 1.074 1.175 1.288 1.394 3.070 44 30 0.339 0.440 0.486 0.531 0.590 0.662 0.724 0.822 0.928 1.055 1.092 1.183 1.289 1.411 1.524 3.320 45 31 0.342 0.456 0.498 0.555 0.625 0.696 0.784 0.880 1.009 1.143 1.187 1.291 1.408 1.539 1.678 3.590 46 32 0.346 0.462 0.516 0.583 0.652 0.742 0.839 0.952 1.087 1.237 1.290 1.411 1.538 1.694 1.867 3.880 47 33 0.339 0.464 0.532 0.604 0.695 0.789 0.902 1.021 1.166 1.334 1.399 1.530 1.693 1.888 2.088 4.190 48 34 0.324 0.463 0.535 0.626 0.725 0.832 0.949 1.080 1.234 1.408 1.487 1.651 1.860 2.091 2.328 4.540 49 35 0.327 0.472 0.565 0.670 0.779 0.898 1.025 1.174 1.343 1.522 1.625 1.825 2.065 2.335 2.611 4.910 50 36 0.329 0.499 0.608 0.729 0.856 0.987 1.139 1.301 1.477 1.682 1.808 2.032 2.308 2.619 2.934 5.350 51 37 0.348 0.533 0.662 0.802 0.945 1.095 1.259 1.438 1.641 1.876 2.013 2.263 2.570 2.921 3.283 5.860 52 38 0.373 0.582 0.734 0.889 1.051 1.213 1.390 1.600 1.831 2.091 2.236 2.513 2.846 3.239 3.673 6.430 53 39 0.406 0.648 0.816 0.989 1.163 1.342 1.544 1.783 2.044 2.327 2.483 2.781 3.146 3.599 4.089 7.090 54 40 0.446 0.720 0.910 1.105 1.286 1.485 1.720 1.982 2.271 2.593 2.755 3.075 3.489 3.978 4.551 7.820 55 41 0.487 0.794 1.014 1.221 1.426 1.652 1.901 2.191 2.518 2.875 3.052 3.420 3.862 4.413 5.079 8.630 56 42 0.530 0.874 1.110 1.345 1.582 1.826 2.101 2.419 2.780 3.177 3.395 3.802 4.295 4.920 5.672 9.490 57 43 0.572 0.946 1.213 1.478 1.738 2.008 2.305 2.650 3.035 3.512 3.760 4.235 4.806 5.496 6.333 10.420 58 44 0.613 1.023 1.324 1.617 1.897 2.193 2.517 2.885 3.310 3.852 4.164 4.728 5.382 6.151 7.054 11.470 59 45 0.662 1.113 1.441 1.768 2.074 2.397 2.748 3.155 3.606 4.234 4.625 5.277 6.026 6.873 7.896 12.640 60 46 0.715 1.203 1.564 1.932 2.279 2.630 3.024 3.462 3.963 4.671 5.128 5.877 6.727 7.704 8.825 13.940 61 47 0.768 1.308 1.710 2.118 2.518 2.916 3.337 3.824 4.426 5.183 5.693 6.527 7.519 8.618 9.854 15.420 62 48 0.823 1.426 1.877 2.333 2.811 3.256 3.726 4.280 4.974 5.770 6.307 7.261 8.371 9.604 11.002 17.110 63 49 0.882 1.554 2.062 2.589 3.129 3.645 4.198 4.820 5.581 6.422 7.015 8.054 9.282 10.685 12.278 19.020 64 50 0.942 1.700 2.276 2.860 3.470 4.078 4.713 5.412 6.211 7.154 7.770 8.898 10.269 11.858 13.680 21.130 65 51 1.007 1.862 2.505 3.152 3.835 4.530 5.245 6.015 6.895 7.922 8.593 9.862 11.421 13.272 15.386 23.400 66 52 1.083 2.033 2.748 3.465 4.208 4.975 5.758 6.628 7.583 8.707 9.494 10.961 12.785 14.950 17.454 25.860 67 53 1.162 2.211 3.004 3.779 4.581 5.386 6.254 7.200 8.260 9.498 10.422 12.099 14.154 16.597 19.467 28.500 68 54 1.252 2.405 3.270 4.103 4.949 5.805 6.723 7.746 8.933 10.318 11.434 13.387 15.744 18.553 21.877 31.380 69 55 1.353 2.621 3.566 4.448 5.355 6.244 7.201 8.298 9.639 11.187 12.487 14.709 17.367 20.507 24.265 34.630 70 56 1.475 2.866 3.894 4.858 5.799 6.715 7.732 8.916 10.383 12.111 13.625 16.153 19.140 22.670 26.927 38.310 71 57 1.623 3.153 4.294 5.329 6.293 7.270 8.367 9.634 11.171 13.122 14.836 17.642 20.951 24.863 29.568 42.560 72 58 1.797 3.512 4.772 5.881 6.902 7.965 9.145 10.482 12.070 14.244 16.148 19.248 22.933 27.287 32.548 47.440 73 59 2.011 3.931 5.320 6.524 7.645 8.805 10.061 11.463 13.145 15.489 17.617 21.083 25.261 30.271 36.261 52.920 74 60 2.254 4.396 5.929 7.246 8.508 9.751 11.091 12.571 14.376 16.871 19.187 22.975 27.641 33.257 39.960 58.800 75 61 2.534 4.895 6.580 8.043 9.432 10.771 12.209 13.788 15.742 18.404 20.966 25.200 30.476 36.912 44.438 65.060 76 62 2.850 5.416 7.253 8.887 10.378 11.839 13.387 15.104 17.237 20.106 22.902 27.539 33.409 40.491 48.829 71.640 77 63 3.206 6.021 8.001 9.770 11.344 12.905 14.573 16.454 18.791 21.928 25.042 30.244 36.798 44.800 54.205 78.470 78 64 3.608 6.729 8.849 10.697 12.345 14.004 15.798 17.846 20.454 23.886 27.383 33.148 40.514 49.515 60.082 85.720 79 65 4.054 7.480 9.752 11.651 13.411 15.193 17.131 19.429 22.352 26.150 29.997 36.429 44.649 54.716 66.520 93.670 80
MALE PREFERRED SMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS 1-15
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 -- ----- ----- ------ ------ ------ ------ ------ ------ ------ 20 0.740 0.896 0.998 0.993 0.977 0.918 0.919 0.909 0.918 21 0.692 0.829 0.948 0.952 0.944 0.901 0.943 0.966 1.020 22 0.614 0.744 0.864 0.866 0.856 0.844 0.866 0.896 0.963 23 0.553 0.665 0.783 0.783 0.791 0.782 0.810 0.853 0.911 24 0.488 0.589 0.695 0.720 0.730 0.738 0.768 0.813 0.874 25 0.443 0.530 0.643 0.669 0.703 0.722 0.756 0.805 0.874 26 0.418 0.506 0.610 0.651 0.704 0.737 0.777 0.835 0.914 27 0.417 0.493 0.600 0.661 0.719 0.767 0.824 0.894 0.985 28 0.426 0.507 0.619 0.684 0.748 0.813 0.882 0.972 1.081 29 0.452 0.538 0.650 0.722 0.805 0.882 0.972 1.081 1.211 30 0.482 0.574 0.696 0.768 0.862 0.960 1.058 1.195 1.353 31 0.501 0.608 0.731 0.822 0.917 1.030 1.155 1.300 1.486 32 0.518 0.632 0.775 0.867 0.977 1.107 1.256 1.420 1.624 33 0.520 0.649 0.803 0.917 1.051 1.196 1.364 1.546 1.764 34 0.509 0.651 0.824 0.960 1.113 1.274 1.455 1.655 1.882 35 0.515 0.678 0.877 1.043 1.208 1.395 1.592 1.815 2.064 36 0.530 0.723 0.960 1.147 1.348 1.553 1.783 2.025 2.293 37 0.566 0.785 1.056 1.279 1.506 1.736 1.986 2.262 2.561 38 0.616 0.866 1.187 1.436 1.690 1.938 2.214 2.529 2.845 39 0.678 0.978 1.335 1.611 1.883 2.166 2.473 2.805 3.164 40 0.755 1.100 1.502 1.812 2.103 2.409 2.741 3.107 3.501 41 0.835 1.223 1.686 2.023 2.345 2.668 3.019 3.420 3.867 42 0.915 1.356 1.865 2.241 2.588 2.938 3.323 3.761 4.242 43 0.996 1.482 2.049 2.451 2.833 3.217 3.631 4.095 4.596 44 1.078 1.613 2.226 2.671 3.080 3.500 3.940 4.425 4.945 45 1.170 1.745 2.413 2.909 3.354 3.802 4.270 4.773 5.325 46 1.258 1.879 2.610 3.167 3.663 4.139 4.634 5.178 5.776 47 1.347 2.035 2.841 3.451 4.016 4.528 5.056 5.646 6.344 48 1.436 2.209 3.100 3.772 4.422 4.999 5.573 6.213 7.004 49 1.533 2.394 3.380 4.129 4.868 5.524 6.173 6.874 7.714 50 1.628 2.599 3.680 4.510 5.328 6.075 6.809 7.577 8.442 51 1.727 2.807 4.004 4.905 5.791 6.630 7.439 8.280 9.149 52 1.831 3.031 4.334 5.303 6.241 7.148 8.030 8.908 9.833 53 1.943 3.253 4.660 5.681 6.670 7.610 8.514 9.457 10.497 54 2.067 3.479 4.983 6.055 7.085 8.008 8.945 9.971 11.130 55 2.196 3.726 5.334 6.454 7.485 8.417 9.389 10.471 11.772 56 2.352 3.999 5.727 6.882 7.921 8.871 9.883 11.029 12.418 57 2.541 4.325 6.166 7.377 8.425 9.415 10.483 11.670 13.086 58 2.765 4.704 6.697 7.979 9.058 10.112 11.221 12.436 13.841 59 3.021 5.145 7.317 8.677 9.835 10.946 12.092 13.312 14.748 60 3.310 5.639 7.994 9.448 10.718 11.873 13.048 14.285 15.765 61 3.647 6.157 8.697 10.269 11.638 12.838 14.053 15.314 16.872 62 4.021 6.677 9.388 11.114 12.535 13.807 15.062 16.396 18.046 63 4.433 7.269 10.143 11.960 13.405 14.711 16.025 17.447 19.204 64 4.886 7.956 10.981 12.812 14.260 15.601 16.968 18.472 20.393 65 5.378 8.658 11.840 13.641 15.140 16.534 17.962 19.619 21.731 X [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT -- ------ ------ ------ ------ ------ ------ ------ 20 0.946 0.967 1.060 1.129 1.218 1.299 2.630 35 21 1.092 1.117 1.177 1.242 1.312 1.384 2.810 36 22 1.037 1.080 1.139 1.226 1.316 1.414 3.040 37 23 0.988 1.054 1.128 1.238 1.359 1.473 3.300 38 24 0.956 1.055 1.133 1.272 1.424 1.571 3.600 39 25 0.965 1.076 1.192 1.362 1.546 1.710 3.940 40 26 1.016 1.146 1.303 1.486 1.697 1.908 4.340 41 27 1.104 1.256 1.434 1.642 1.887 2.129 4.750 42 28 1.220 1.384 1.578 1.811 2.088 2.353 5.220 43 29 1.380 1.559 1.768 2.022 2.310 2.603 5.710 44 30 1.536 1.739 1.971 2.237 2.549 2.876 6.270 45 31 1.687 1.914 2.169 2.462 2.810 3.184 6.830 46 32 1.849 2.098 2.387 2.717 3.110 3.523 7.440 47 33 2.009 2.292 2.616 3.007 3.448 3.925 8.080 48 34 2.136 2.461 2.838 3.287 3.805 4.360 8.800 49 35 2.333 2.704 3.123 3.636 4.232 4.872 9.560 50 36 2.593 2.995 3.464 4.047 4.727 5.441 10.440 51 37 2.877 3.320 3.841 4.489 5.241 6.039 11.420 52 38 3.196 3.673 4.248 4.941 5.766 6.667 12.540 53 39 3.542 4.064 4.674 5.421 6.320 7.338 13.800 54 40 3.932 4.481 5.128 5.930 6.908 8.060 15.140 55 41 4.332 4.925 5.627 6.490 7.564 8.845 16.590 56 42 4.751 5.406 6.184 7.124 8.291 9.705 18.090 57 43 5.181 5.919 6.798 7.837 9.100 10.636 19.690 58 44 5.619 6.471 7.464 8.623 9.997 11.649 21.350 59 45 6.094 7.065 8.183 9.478 10.983 12.730 23.190 60 46 6.612 7.697 8.946 10.403 12.019 13.905 25.260 61 47 7.207 8.387 9.770 11.353 13.140 15.217 27.590 62 48 7.876 9.137 10.611 12.352 14.351 16.654 30.230 63 49 8.619 9.923 11.501 13.423 15.652 18.219 33.140 64 50 9.374 10.740 12.454 14.558 17.027 19.880 36.290 65 51 10.145 11.641 13.531 15.872 18.663 21.899 39.570 66 52 10.928 12.608 14.743 17.399 20.591 24.318 43.010 67 53 11.685 13.568 15.936 18.866 22.376 26.538 46.550 68 54 12.444 14.576 17.269 20.542 24.473 29.151 50.320 69 55 13.212 15.591 18.575 22.170 26.442 31.599 54.480 70 56 14.009 16.654 19.957 23.884 28.567 34.253 59.090 71 57 14.859 17.742 21.306 25.550 30.604 36.715 64.330 72 58 15.781 18.876 22.718 27.319 32.788 39.429 70.230 73 59 16.774 20.126 24.307 29.374 35.485 42.833 76.660 74 60 17.856 21.411 25.857 31.357 38.014 45.991 83.770 75 61 19.027 22.839 27.669 33.713 41.109 50.138 91.100 76 62 20.290 24.338 29.484 36.008 44.208 53.977 98.520 77 63 21.589 25.950 31.549 38.881 47.921 58.690 105.910 78 64 22.932 27.648 33.898 41.940 51.877 63.686 113.490 79 65 24.461 29.691 36.498 45.272 56.122 69.000 121.590 80
MALE SMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS 1-15
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 -- ----- ------ ------ ------ ------ ------ ------ ------ ------ 20 0.775 1.510 1.547 1.539 1.514 1.423 1.425 1.409 1.424 21 1.123 1.397 1.469 1.476 1.463 1.396 1.462 1.497 1.581 22 0.996 1.254 1.339 1.343 1.327 1.309 1.342 1.389 1.493 23 0.897 1.121 1.214 1.214 1.227 1.212 1.256 1.322 1.412 24 0.791 0.993 1.077 1.117 1.132 1.144 1.190 1.260 1.355 25 0.719 0.893 0.996 1.037 1.089 1.120 1.172 1.248 1.355 26 0.678 0.853 0.946 1.009 1.092 1.143 1.204 1.294 1.417 27 0.676 0.830 0.930 1.025 1.114 1.188 1.277 1.385 1.527 28 0.691 0.854 0.959 1.060 1.159 1.261 1.367 1.507 1.675 29 0.733 0.906 1.007 1.119 1.247 1.367 1.507 1.675 1.877 30 0.782 0.968 1.078 1.191 1.336 1.487 1.640 1.852 2.097 31 0.813 1.024 1.134 1.274 1.421 1.596 1.790 2.015 2.303 32 0.840 1.065 1.201 1.344 1.514 1.715 1.947 2.201 2.518 33 0.844 1.094 1.245 1.422 1.630 1.854 2.114 2.396 2.734 34 0.825 1.097 1.277 1.487 1.726 1.974 2.255 2.566 2.918 35 0.836 1.142 1.359 1.617 1.873 2.162 2.467 2.813 3.200 36 0.860 1.219 1.487 1.778 2.090 2.407 2.764 3.139 3.555 37 0.918 1.322 1.636 1.982 2.335 2.691 3.078 3.505 3.970 38 0.999 1.458 1.839 2.226 2.619 3.004 3.432 3.920 4.410 39 1.099 1.648 2.070 2.498 2.919 3.358 3.833 4.348 4.904 40 1.225 1.853 2.328 2.809 3.259 3.734 4.248 4.816 5.427 41 1.354 2.061 2.614 3.136 3.635 4.136 4.679 5.301 5.994 42 1.484 2.284 2.890 3.474 4.012 4.554 5.150 5.829 6.576 43 1.616 2.497 3.176 3.800 4.391 4.987 5.628 6.348 7.124 44 1.749 2.717 3.451 4.141 4.773 5.426 6.108 6.858 7.664 45 1.898 2.940 3.740 4.510 5.199 5.893 6.618 7.398 8.254 46 2.041 3.165 4.045 4.908 5.678 6.415 7.183 8.026 8.954 47 2.184 3.429 4.404 5.349 6.225 7.019 7.837 8.751 9.833 48 2.329 3.722 4.805 5.846 6.855 7.748 8.638 9.631 10.856 49 2.487 4.034 5.239 6.399 7.546 8.562 9.568 10.655 11.957 50 2.640 4.378 5.704 6.990 8.259 9.417 10.554 11.744 13.085 51 2.801 4.730 6.206 7.602 8.975 10.277 11.531 12.834 14.181 52 2.971 5.106 6.718 8.219 9.673 11.079 12.446 13.807 15.241 53 3.151 5.481 7.223 8.805 10.339 11.795 13.197 14.658 16.271 54 3.353 5.862 7.724 9.385 10.981 12.412 13.864 15.455 17.251 55 3.562 6.277 8.268 10.004 11.602 13.046 14.553 16.229 18.247 56 3.815 6.738 8.878 10.667 12.277 13.750 15.319 17.095 19.247 57 4.122 7.287 9.558 11.434 13.059 14.593 16.249 18.088 20.283 58 4.485 7.926 10.380 12.367 14.039 15.673 17.393 19.276 21.453 59 4.901 8.668 11.341 13.449 15.245 16.966 18.743 20.634 22.859 60 5.368 9.501 12.391 14.644 16.613 18.403 20.225 22.141 24.436 61 5.915 10.373 13.480 15.917 18.039 19.899 21.783 23.737 26.152 62 6.523 11.250 14.551 17.226 19.430 21.400 23.346 25.413 27.971 63 7.191 12.246 15.722 18.538 20.778 22.802 24.838 27.043 29.766 64 7.926 13.405 17.021 19.858 22.103 24.182 26.301 28.632 31.609 65 8.723 14.587 18.352 21.143 23.466 25.628 27.841 30.410 33.682 X [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT -- ------ ------ ------ ------ ------ ------ ------- 20 1.466 1.445 1.527 1.568 1.630 1.677 2.630 35 21 1.693 1.669 1.696 1.724 1.756 1.786 2.810 36 22 1.607 1.613 1.641 1.702 1.762 1.825 3.040 37 23 1.531 1.574 1.624 1.719 1.819 1.901 3.300 38 24 1.482 1.576 1.632 1.765 1.906 2.027 3.600 39 25 1.496 1.607 1.717 1.891 2.069 2.207 3.940 40 26 1.575 1.712 1.876 2.063 2.271 2.462 4.340 41 27 1.711 1.876 2.065 2.280 2.526 2.748 4.750 42 28 1.891 2.067 2.273 2.515 2.795 3.037 5.220 43 29 2.139 2.329 2.547 2.807 3.091 3.360 5.710 44 30 2.380 2.598 2.838 3.106 3.411 3.711 6.270 45 31 2.615 2.859 3.123 3.418 3.761 4.109 6.830 46 32 2.865 3.134 3.438 3.771 4.163 4.547 7.440 47 33 3.115 3.423 3.767 4.174 4.615 5.066 8.080 48 34 3.311 3.677 4.087 4.564 5.093 5.627 8.800 49 35 3.616 4.040 4.497 5.048 5.664 6.287 9.560 50 36 4.020 4.474 4.988 5.618 6.327 7.022 10.440 51 37 4.460 4.960 5.531 6.232 7.015 7.794 11.420 52 38 4.954 5.487 6.118 6.859 7.718 8.604 12.540 53 39 5.489 6.071 6.731 7.526 8.459 9.471 13.800 54 40 6.094 6.693 7.384 8.232 9.247 10.403 15.140 55 41 6.715 7.358 8.102 9.009 10.124 11.415 16.590 56 42 7.364 8.075 8.905 9.890 11.097 12.525 18.090 57 43 8.031 8.842 9.789 10.880 12.180 13.727 19.690 58 44 8.709 9.666 10.747 11.971 13.381 15.034 21.350 59 45 9.446 10.555 11.784 13.158 14.700 16.429 23.190 60 46 10.249 11.498 12.883 14.441 16.087 17.945 25.260 61 47 11.170 12.530 14.068 15.760 17.587 19.638 27.590 62 48 12.208 13.650 15.279 17.147 19.208 21.493 30.230 63 49 13.360 14.823 16.561 18.634 20.949 23.512 33.140 64 50 14.530 16.044 17.934 20.210 22.790 25.657 36.290 65 51 15.725 17.390 19.485 22.033 24.980 28.262 39.570 66 52 16.938 18.835 21.229 24.153 27.560 31.384 43.010 67 53 18.112 20.268 22.947 26.190 29.949 34.249 46.550 68 54 19.288 21.775 24.868 28.517 32.756 37.622 50.320 69 55 20.479 23.291 26.747 30.777 35.391 40.781 54.480 70 56 21.715 24.878 28.738 33.156 38.236 44.205 59.090 71 57 23.031 26.505 30.680 35.469 40.962 47.384 64.330 72 58 24.461 28.198 32.715 37.925 43.885 50.886 70.230 73 59 26.000 30.066 35.002 40.779 47.495 55.278 76.660 74 60 27.676 31.986 37.234 43.530 50.881 59.355 83.770 75 61 29.491 34.118 39.843 46.801 55.023 64.707 91.100 76 62 31.450 36.358 42.457 49.987 59.170 69.661 98.520 77 63 33.463 38.766 45.431 53.975 64.141 75.743 105.910 78 64 35.544 41.302 48.813 58.222 69.436 82.191 113.490 79 65 37.915 44.355 52.558 62.848 75.118 89.049 121.590 80
FEMALE PREFERRED NONSMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS 1-15
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 -- ----- ----- ----- ----- ----- ----- ----- ----- ------ 20 0.307 0.298 0.312 0.316 0.316 0.304 0.311 0.311 0.320 21 0.222 0.289 0.305 0.308 0.306 0.295 0.307 0.314 0.329 22 0.212 0.278 0.298 0.300 0.299 0.294 0.302 0.309 0.326 23 0.207 0.270 0.294 0.296 0.298 0.295 0.303 0.313 0.331 24 0.199 0.261 0.285 0.294 0.299 0.299 0.306 0.321 0.344 25 0.193 0.251 0.279 0.291 0.303 0.306 0.318 0.337 0.366 26 0.184 0.240 0.267 0.282 0.300 0.311 0.327 0.351 0.385 27 0.184 0.236 0.262 0.284 0.306 0.326 0.350 0.380 0.422 28 0.187 0.238 0.264 0.289 0.315 0.343 0.372 0.414 0.465 29 0.193 0.244 0.269 0.298 0.333 0.365 0.406 0.456 0.515 30 0.201 0.256 0.285 0.315 0.354 0.398 0.443 0.505 0.575 31 0.205 0.268 0.297 0.334 0.377 0.428 0.484 0.548 0.633 32 0.206 0.272 0.307 0.347 0.396 0.452 0.517 0.590 0.679 33 0.201 0.272 0.313 0.362 0.418 0.480 0.553 0.631 0.724 34 0.195 0.272 0.321 0.378 0.442 0.511 0.588 0.673 0.772 35 0.195 0.280 0.337 0.404 0.473 0.551 0.633 0.728 0.837 36 0.195 0.290 0.357 0.432 0.512 0.594 0.689 0.791 0.905 37 0.202 0.305 0.382 0.467 0.554 0.645 0.746 0.859 0.984 38 0.217 0.333 0.424 0.518 0.615 0.714 0.825 0.953 1.094 39 0.236 0.372 0.471 0.575 0.680 0.791 0.914 1.058 1.219 40 0.255 0.405 0.514 0.628 0.738 0.856 0.995 1.153 1.327 41 0.273 0.437 0.561 0.682 0.801 0.931 1.077 1.247 1.440 42 0.296 0.480 0.615 0.749 0.885 1.027 1.188 1.373 1.587 43 0.313 0.510 0.658 0.805 0.951 1.105 1.275 1.474 1.700 44 0.329 0.539 0.701 0.861 1.016 1.180 1.362 1.574 1.816 45 0.347 0.572 0.746 0.920 1.085 1.262 1.458 1.685 1.943 46 0.366 0.605 0.791 0.983 1.166 1.357 1.570 1.815 2.095 47 0.384 0.642 0.845 1.053 1.263 1.472 1.700 1.966 2.295 48 0.402 0.683 0.906 1.136 1.378 1.612 1.861 2.157 2.528 49 0.420 0.728 0.974 1.232 1.504 1.768 2.054 2.380 2.780 50 0.438 0.779 1.050 1.333 1.633 1.937 2.259 2.618 3.034 51 0.469 0.852 1.159 1.472 1.808 2.156 2.520 2.919 3.366 52 0.504 0.933 1.273 1.622 1.988 2.373 2.775 3.215 3.703 53 0.542 1.016 1.395 1.772 2.170 2.578 3.013 3.494 4.032 54 0.585 1.108 1.522 1.929 2.351 2.777 3.240 3.757 4.360 55 0.634 1.210 1.663 2.098 2.544 2.988 3.469 4.024 4.702 56 0.692 1.326 1.822 2.290 2.755 3.213 3.724 4.321 5.061 57 0.764 1.464 2.009 2.513 2.989 3.477 4.027 4.666 5.448 58 0.848 1.630 2.233 2.772 3.277 3.807 4.399 5.078 5.888 59 0.949 1.825 2.489 3.075 3.628 4.206 4.842 5.555 6.410 60 1.063 2.040 2.773 3.413 4.034 4.659 5.339 6.090 7.008 61 1.195 2.271 3.075 3.786 4.475 5.149 5.875 6.678 7.673 62 1.344 2.511 3.388 4.185 4.925 5.657 6.440 7.314 8.391 63 1.511 2.789 3.739 4.602 5.381 6.165 7.009 7.958 9.135 64 1.699 3.119 4.136 5.036 5.855 6.688 7.588 8.619 9.918 65 1.910 3.468 4.556 5.485 6.359 7.247 8.217 9.359 10.807 X [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT -- ------ ------ ------ ------ ------ ------ ------ 20 0.331 0.275 0.299 0.318 0.345 0.369 1.470 35 21 0.346 0.293 0.313 0.337 0.365 0.399 1.560 36 22 0.347 0.301 0.322 0.352 0.389 0.431 1.670 37 23 0.357 0.314 0.338 0.377 0.420 0.463 1.790 38 24 0.376 0.340 0.367 0.415 0.467 0.518 1.930 39 25 0.404 0.370 0.409 0.466 0.528 0.584 2.080 40 26 0.431 0.398 0.450 0.509 0.579 0.646 2.260 41 27 0.478 0.442 0.499 0.566 0.643 0.716 2.440 42 28 0.528 0.486 0.549 0.621 0.705 0.785 2.620 43 29 0.590 0.543 0.607 0.684 0.772 0.861 2.800 44 30 0.659 0.605 0.674 0.755 0.848 0.945 2.990 45 31 0.723 0.663 0.740 0.827 0.931 1.040 3.190 46 32 0.778 0.714 0.799 0.894 1.007 1.133 3.410 47 33 0.832 0.769 0.864 0.979 1.115 1.263 3.650 48 34 0.885 0.825 0.936 1.076 1.237 1.407 3.900 49 35 0.956 0.894 1.022 1.179 1.359 1.549 4.190 5O 36 1.035 0.973 1.115 1.290 1.491 1.704 4.500 51 37 1.128 1.061 1.215 1.405 1.629 1.870 4.850 52 38 1.255 1.172 1.337 1.539 1.783 2.055 5.260 53 39 1.394 1.299 1.479 1.703 1.980 2.294 5.680 54 40 1.521 1.412 1.604 1.850 2.150 2.504 6.130 55 41 1.652 1.539 1.759 2.032 2.373 2.791 6.590 56 42 1.827 1.712 1.961 2.264 2.651 3.123 7.050 57 43 1.979 1.869 2.159 2.512 2.947 3.483 7.490 58 44 2.133 2.039 2.382 2.790 3.283 3.879 7.960 59 45 2.300 2.230 2.627 3.099 3.654 4.324 8.510 60 46 2.491 2.434 2.892 3.433 4.064 4.817 9.160 61 47 2.710 2.651 3.153 3.753 4.450 5.260 9.980 62 48 2.959 2.883 3.429 4.088 4.848 5.741 11.010 63 49 3.230 3.134 3.719 4.430 5.271 6.259 12.230 64 50 3.515 3.406 4.045 4.843 5.801 6.942 13.550 65 51 3.894 3.756 4.460 5.343 6.422 7.711 14.970 66 52 4.278 4.128 4.904 5.886 7.093 8.535 16.410 67 53 4.666 4.517 5.382 6.470 7.799 9.399 17.860 68 54 5.066 4.927 5.897 7.093 8.546 10.309 19.410 69 55 5.488 5.369 6.450 7.765 9.354 11.298 21.200 70 56 5.944 5.846 7.045 8.494 10.241 12.376 23.340 71 57 6.442 6.363 7.693 9.295 11.217 13.570 25.990 72 58 6.990 6.924 8.392 10.162 12.293 14.900 29.220 73 59 7.599 7.533 9.135 11.097 13.475 16.361 33.220 71 60 8.276 8.194 9.941 12.112 14.761 17.960 37.320 75 61 9.016 8.953 10.907 13.374 16.419 20.060 42.040 76 62 9.836 9.793 11.976 14.771 18.223 22.388 47.110 77 63 10.700 10.732 13.237 16.466 20.511 25.391 52.530 78 64 11.622 11.705 14.497 18.142 22.701 28.225 58.450 79 65 12.674 12.844 16.040 20.211 25.478 31.886 65.120 80
MALE SMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS 1-15
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 -- ----- ----- ----- ----- ----- ------ ------ ------ ------ 20 0.320 0.456 0.473 0.475 0.473 0.450 0.458 0.455 0.465 21 0.334 0.442 0.463 0.463 0.458 0.437 0.452 0.460 0.478 22 0.318 0.425 0.452 0.452 0.447 0.436 0.444 0.452 0.474 23 0.311 0.412 0.446 0.446 0.445 0.438 0.446 0.458 0.481 24 0.299 0.399 0.433 0.443 0.447 0.444 0.451 0.470 0.500 25 0.290 0.384 0.423 0.439 0.453 0.455 0.468 0.494 0.532 26 0.277 0.367 0.405 0.425 0.449 0.462 0.482 0.514 0.559 27 0.277 0.360 0.398 0.428 0.458 0.483 0.516 0.556 0.614 28 0.282 0.364 0.400 0.435 0.471 0.509 0.549 0.606 0.676 29 0.290 0.373 0.408 0.449 0.497 0.541 0.598 0.667 0.748 30 0.302 0.392 0.432 0.475 0.529 0.591 0.653 0.739 0.836 31 0.308 0.410 0.451 0.503 0.563 0.634 0.712 0.802 0.920 32 0.310 0.415 0.466 0.523 0.591 0.671 0.761 0.863 0.988 33 0.303 0.416 0.475 0.545 0.625 0.712 0.814 0.923 1.053 34 0.293 0.417 0.487 0.568 0.660 0.758 0.866 0.985 1.123 35 0.293 0.428 0.511 0.608 0.707 0.817 0.932 1.066 1.217 36 0.293 0.444 0.542 0.651 0.765 0.881 1.015 1.157 1.315 37 0.304 0.466 0.579 0.703 0.828 0.957 1.099 1.257 1.430 38 0.326 0.509 0.643 0.779 0.919 1.059 1.215 1.395 1.591 39 0.355 0.568 0.715 0.865 1.015 1.173 1.346 1.549 1.773 40 0.384 0.619 0.780 0.946 1.103 1.270 1.465 1.686 1.928 41 0.411 0.668 0.852 1.027 1.197 1.381 1.586 1.824 2.093 42 0.446 0.734 0.934 1.128 1.322 1.524 1.750 2.010 2.307 43 0.471 0.780 0.998 1.211 1.422 1.639 1.878 2.156 2.472 44 0.496 0.825 1.063 1.296 1.517 1.751 2.007 2.302 2.640 45 0.523 0.875 1.131 1.386 1.622 1.872 2.149 2.465 2.824 46 0.551 0.925 1.200 1.479 1.743 2.013 2.314 2.655 3.045 47 0.578 0.983 1.281 1.586 1.887 2.184 2.505 2.876 3.336 48 0.604 1.045 1.375 1.710 2.059 2.391 2.742 3.156 3.675 49 0.632 1.113 1.478 1.854 2.247 2.623 3.026 3.482 4.042 50 0.659 1.191 1.593 2.007 2.440 2.873 3.327 3.830 4.410 51 0.705 1.303 1.758 2.216 2.702 3.198 3.712 4.271 4.894 52 0.758 1.427 1.932 2.442 2.971 3.521 4.089 4.704 5.383 53 0.815 1.554 2.117 2.668 3.242 3.824 4.439 5.112 5.862 54 0.880 1.694 2.309 2.904 3.514 4.120 4.773 5.498 6.338 55 0.953 1.850 2.524 3.158 3.801 4.433 5.110 5.888 6.835 56 1.041 2.028 2.765 3.448 4.117 4.766 5.486 6.323 7.357 57 1.149 2.238 3.048 3.783 4.466 5.158 5.933 6.827 7.919 58 1.276 2.493 3.388 4.173 4.897 5.648 6.480 7.431 8.559 59 1.427 2.790 3.776 4.629 5.421 6.239 7.132 8.128 9.317 60 1.600 3.119 4.207 5.138 6.029 6.912 7.865 8.911 10.188 61 1.798 3.473 4.666 5.699 6.686 7.638 8.654 9.771 11.154 62 2.022 3.841 5.140 6.300 7.359 8.392 9.487 10.702 12.198 63 2.273 4.266 5.672 6.928 8.041 9.145 10.326 11.644 13.279 64 2.557 4.770 6.275 7.582 8.748 9.922 11.179 12.611 14.417 65 2.874 5.304 6.912 8.257 9.502 10.751 12.106 13.694 15.709 X [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT -- ------ ------ ------ ------ ------ ------ ------ 20 0.478 0.400 0.420 0.431 0.450 0.464 1.470 35 21 0.499 0.427 0.440 0.456 0.476 0.501 1.560 36 22 0.502 0.438 0.452 0.477 0.507 0.542 1.670 37 23 0.516 0.458 0.475 0.510 0.548 0.582 1.790 38 24 0.543 0.495 0.515 0.561 0.609 0.651 1.930 39 25 0.583 0.539 0.575 0.631 0.688 0.734 2.080 40 26 0.623 0.580 0.632 0.690 0.755 0.812 2.260 41 27 0.690 0.644 0.701 0.767 0.839 0.900 2.440 42 28 0.763 0.709 0.771 0.841 0.920 0.987 2.620 43 29 0.852 0.791 0.853 0.926 1.007 1.082 2.800 44 30 0.952 0.881 0.947 1.022 1.107 1.188 2.990 45 31 1.044 0.966 1.039 1.120 1.214 1.307 3.190 46 32 1.124 1.041 1.123 1.211 1.314 1.424 3.410 47 33 1.202 1.121 1.214 1.325 1.455 1.587 3.650 48 34 1.278 1.202 1.315 1.456 1.613 1.769 3.900 49 35 1.380 1.303 1.436 1.596 1.773 1.947 4.190 50 36 1.494 1.418 1.566 1.746 1.945 2.142 4.500 51 37 1.629 1.546 1.707 1.903 2.125 2.350 4.850 52 38 1.813 1.708 1.879 2.084 2.326 2.583 5.260 53 39 2.013 1.893 2.077 2.306 2.583 2.883 5.680 54 40 2.197 2.058 2.254 2.504 2.805 3.148 6.130 55 41 2.386 2.244 2.472 2.751 3.096 3.508 6.590 56 42 2.639 2.495 2.755 3.066 3.458 3.925 7.050 57 43 2.859 2.724 3.033 3.402 3.844 4.378 7.490 58 44 3.081 2.972 3.347 3.777 4.283 4.875 7.960 59 45 3.323 3.251 3.691 4.195 4.767 5.434 8.510 60 46 3.597 3.549 4.063 4.648 5.303 6.054 9.160 61 47 3.914 3.865 4.430 5.082 5.805 6.611 9.980 62 48 4.274 4.202 4.818 5.535 6.325 7.216 11.010 63 49 4.666 4.568 5.226 5.998 6.876 7.866 12.230 64 50 5.077 4.965 5.684 6.558 7.568 8.725 13.550 65 51 5.624 5.475 6.266 7.234 8.378 9.692 14.970 66 52 6.179 6.017 6.890 7.970 9.253 10.726 16.410 67 53 6.739 6.584 7.561 8.761 10.174 11.813 17.860 68 54 7.317 7.181 8.286 9.604 11.150 12.957 19.410 69 55 7.927 7.826 9.062 10.513 12.204 14.199 21.200 70 56 8.585 8.521 9.898 11.500 13.360 15.554 23.340 71 57 9.305 9.274 10.808 12.585 14.634 17.055 25.990 72 58 10.097 10.092 11.790 13.759 16.038 18.726 29.220 73 59 10.977 10.981 12.835 15.025 17.580 20.563 33.220 74 60 11.954 11.944 13.967 16.399 19.258 22.572 37.320 75 61 13.023 13.051 15.324 18.108 21.420 25.211 42.040 76 62 14.208 14.274 16.826 20.000 23.775 28.138 47.110 77 63 15.456 15.644 18.597 22.294 26.759 31.912 52.530 78 64 16.787 17.062 20.367 24.564 29.617 35.474 58.450 79 65 18.307 18.723 22.535 27.365 33.240 40.076 65.120 80
FEMALE PREFERRED SMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS 1-15
X [X] [X]+l [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT --- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ 20 0.367 0.467 0.530 0.535 0.534 0.511 0.521 0.522 0.541 0.568 0.532 0.596 0.651 0.718 0.781 1.940 35 21 0.384 0.462 0.528 0.530 0.526 0.504 0.526 0.543 0.575 0.614 0.587 0.643 0.705 0.774 0.853 2.090 36 22 0.373 0.452 0.525 0.527 0.523 0.513 0.531 0.551 0.591 0.639 0.620 0.676 0.750 0.836 0.936 2.280 37 23 0.371 0.446 0.526 0.528 0.532 0.530 0.550 0.578 0.621 0.677 0.664 0.724 0 814 0.916 1.019 2.490 38 24 0.362 0.439 0.519 0.537 0.549 0.555 0.577 0.614 0.664 0.728 0.730 0.796 0.907 1.032 1.154 2.730 39 25 0.358 0.430 0.519 0.546 0.574 0.589 0.619 0.664 0.723 0.797 0.805 0.899 1.034 1.180 1.317 3.000 40 26 0.348 0.420 0.510 0.545 0.589 0.619 0.656 0.708 0.774 0.862 0.879 1.002 1.144 1.312 1.476 3.330 41 27 0.356 0.424 0.517 0.569 0.622 0.667 0.719 0.779 0.861 0.968 0.989 1.126 1.288 1.474 1.656 3.640 42 28 0.372 0.442 0.539 0.599 0.659 0.719 0.779 0.861 0.960 1.085 1.102 1.254 1.431 1.638 1.831 3.960 43 29 0.395 0.469 0.569 0.636 0.711 0.779 0.861 0.960 1.077 1.228 1.245 1.405 1.596 1.808 2.023 4.280 44 30 0.426 0.510 0.621 0.688 0.771 0.861 0.952 1.077 1.220 1.388 1.405 1.579 1.775 2.003 2.239 4.610 45 31 0.450 0.549 0.662 0.744 0.832 0.937 1.052 1.185 1.358 1.542 1.559 1.747 1.962 2.216 2.474 4.950 46 32 0.465 0.570 0.697 0.783 0.885 1.003 1.139 1.292 1.477 1.680 1.694 1.903 2.138 2.408 2.684 5.310 47 33 0.466 0.581 0.721 0.826 0.948 1.079 1.234 1.398 1.594 1.813 1.839 2.075 2.349 2.655 2.980 5.680 48 34 0.460 0.590 0.749 0.874 1.014 1.163 1.328 1.511 1.714 1.943 1.989 2.256 2.571 2.932 3.308 6.080 49 35 0.466 0.614 0.796 0.947 1.100 1.270 1.448 1.648 1.873 2.115 2.165 2.454 2.807 3.208 3.626 6.540 50 36 0.472 0.645 0.855 1.026 1.205 1.387 1.590 1.804 2.041 2.299 2.346 2.665 3.058 3.506 3.973 7.000 51 37 0.495 0.687 0.926 1.122 1.321 1.520 1.736 1.976 2.229 2.496 2.547 2.893 3.319 3.814 4.324 7.520 52 38 0.539 0.759 1.041 1.260 1.478 1.695 1.934 2.201 2.468 2.767 2.803 3.172 3.620 4.142 4.694 8.130 53 39 0.594 0.858 1.171 1.410 1.646 1.892 2.152 2.434 2.739 3.060 3.094 3.493 3.974 4.543 5.174 8.750 54 40 0.650 0.946 1.289 1.554 1.802 2.057 2.333 2.640 2.968 3.326 3.348 3.759 4.262 4.870 5.577 9.400 55 41 0.704 1.030 1.418 1.701 1.964 2.228 2.515 2.844 3.208 3.597 3.622 4.072 4.623 5.308 6.108 10.050 56 42 0.770 1.140 1.568 1.877 2.161 2.448 2.763 3.120 3.522 3.947 3.978 4.481 5.087 5.827 6.718 10.670 57 43 0.822 1.221 1.682 2.006 2.314 2.623 2.953 3.334 3.743 4.222 4.289 4.871 5.547 6.366 7.359 11.250 58 44 0.871 1.297 1.786 2.139 2.460 2.790 3.144 3.532 3.949 4.493 4.620 5.283 6.054 6.966 8.047 11.850 59 45 0.922 1.371 1.892 2.277 2.619 2.971 3.338 3.734 4.171 4.785 4.966 5.725 6.605 7.614 8.765 12.510 60 46 0.968 1.442 2.000 2.421 2.803 3.169 3.550 3.972 4.441 5.092 5.328 6.190 7.186 8.276 9.534 13.360 61 47 1.012 1.527 2.126 2.584 3.010 3.395 3.795 4.248 4.781 5.444 5.700 6.628 7.676 8.847 10.212 14.390 62 48 1.053 1.617 2.271 2.765 3.243 3.671 4.102 4.581 5.176 5.839 6.085 7.043 8.163 9.453 10.928 15.780 63 49 1.097 1.715 2.422 2.961 3.496 3.976 4.450 4.967 5.592 6.260 6.464 7.459 8.675 10.076 11.673 17.330 64 50 1.140 1.820 2.579 3.165 3.748 4.280 4.808 5.367 5.991 6.656 6.859 7.957 9.300 10.868 12.683 19.070 65 51 1.210 1.968 2.810 3.450 4.080 4.682 5.270 5.877 6.496 7.199 7.418 8.600 10.053 11.786 13.797 20.790 66 52 1.284 2.127 3.049 3.736 4.407 5.063 5.699 6.325 6.977 7.757 7.993 9.267 10.850 12.747 14.943 22.580 67 53 1.363 2.288 3.283 4.012 4.725 5.401 6.045 6.711 7.452 8.294 8.572 9.963 11.679 13.716 16.100 24.200 68 54 1.454 2.451 3.519 4.289 5.028 5.686 6.347 7.078 7.900 8.825 9.158 10.691 12.530 14.704 17.267 26.020 69 55 1.547 2.631 3.779 4.581 5.314 5.973 6.665 7.432 8.349 9.366 9.773 11.442 13.418 15.737 18.491 27.950 70 56 1.661 2.833 4.065 4.886 5.621 6.297 7.015 7.822 8.803 9.933 10.414 12.227 14.352 16.836 19.785 30.450 71 57 1.800 3.070 4.378 5.235 5.981 6.683 7.435 8.273 9.278 10.535 11.089 13.055 15.348 18.013 21.179 33.550 72 58 1.962 3.340 4.752 5.664 6.429 7.171 7.955 8.817 9.814 11.184 11.799 13.917 16.390 19.272 22.686 37.330 73 59 2.145 3.651 5.194 6.159 6.975 7.759 8.573 9.439 10.451 11.889 12.545 14.797 17.473 20.608 24.289 41.740 74 60 2.349 4.003 5.674 6.700 7.598 8.418 9.252 10.123 11.174 12.652 13.329 15.720 18.604 22.012 25.978 46.640 75 61 2.589 4.370 6.168 7.280 8.251 9.103 9.959 10.854 11.955 13.464 14.217 16.826 20.030 23.855 28.445 51.920 76 62 2.854 4.735 6.655 7.880 8.888 9.784 10.675 11.617 12.770 14.339 15.170 18.014 21.556 25.957 31.105 57.460 77 63 3.144 5.153 7.192 8.480 9.500 10.426 11.354 12.346 13.571 15.218 16.210 19.399 23.556 28.624 34.554 63.280 78 64 3.464 5.641 7.786 9.079 10.107 11.054 12.007 13.054 14.374 16.116 17.226 20.828 25.428 31.032 37.605 69.410 79 65 3.813 6.139 8.391 9.668 10.727 11.700 12.693 13.829 15.271 17.124 18.531 22.578 27.748 34.096 41.571 76.260 80
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 --- ----- ------ ------ ------ ------ ------ ------ ------ 20 0.384 0.787 0.821 0.829 0.827 0.791 0.808 0.809 21 0.623 0.778 0.818 0.821 0.815 0.781 0.815 0.842 22 0.605 0.762 0.813 0.816 0.810 0.796 0.823 0.853 23 0.602 0.752 0.815 0.819 0.824 0.822 0.853 0.896 24 0.588 0.739 0.805 0.832 0.850 0.861 0.895 0.951 25 0.581 0.724 0.805 0.846 0.889 0.913 0.960 1.029 26 0.564 0.707 0.791 0.845 0.913 0.960 1.017 1.097 27 0.577 0.714 0.802 0.882 0.964 1.033 1.114 1.207 28 0.603 0.745 0.836 0.929 1.022 1.114 1.207 1.334 29 0.640 0.790 0.882 0.986 1.102 1.207 1.334 1.488 30 0.691 0.859 0.963 1.067 1.195 1.334 1.476 1.670 31 0.730 0.925 1.027 1.152 1.289 1.452 1.631 1.836 32 0.755 0.960 1.081 1.213 1.371 1.555 1.765 2.002 33 0.756 0.979 1.118 1.281 1.470 1.673 1.912 2.167 34 0.746 0.994 1.161 1.354 1.571 1.803 2.059 2.341 35 0.755 1.035 1.234 1.468 1.706 1.968 2.245 2.554 36 0.765 1.086 1.326 1.590 1.868 2.150 2.465 2.796 37 0.803 1.157 1.435 1.739 2.047 2.355 2.691 3.062 38 0.874 1.279 1.614 1.952 2.292 2.627 2.998 3.411 39 0.964 1.446 1.815 2.185 2.552 2.933 3.336 3.772 40 1.055 1.594 1.999 2.409 2.794 3.188 3.616 4.092 41 1.142 1.736 2.199 2.636 3.044 3.453 3.898 4.408 42 1.250 1.921 2.430 2.909 3.349 3.794 4.283 4.836 43 1.333 2.058 2.607 3.110 3.587 4.065 4.577 5.168 44 1.413 2.186 2.768 3.315 3.814 4.325 4.872 5.474 45 1.496 2.310 2.933 3.529 4.059 4.605 5.174 5.788 46 1.570 2.430 3.100 3.753 4.345 4.911 5.503 6.156 47 1.641 2.572 3.295 4.006 4.665 5.262 5.883 6.585 48 1.709 2.725 3.521 4.285 5.027 5.690 6.358 7.101 49 1.780 2.890 3.755 4.589 5.418 6.162 6.897 7.699 50 1.848 3.067 3.997 4.905 5.809 6.634 7.453 8.319 51 1.962 3.315 4.355 5.347 6.323 7.258 8.168 9.109 52 2.082 3.583 4.726 5.790 6.831 7.848 8.834 9.803 53 2.211 3.855 5.089 6.218 7.324 8.371 9.370 10.402 54 2.358 4.130 5.454 6.648 7.794 8.813 9.838 10.971 55 2.510 4.433 5.857 7.101 8.237 9.258 10.331 11.520 56 2.694 4.773 6.301 7.574 8.712 9.761 10.874 12.123 57 2.920 5.172 6.786 8.114 9.270 10.358 11.524 12.823 58 3.183 5.627 7.366 8.779 9.965 11.115 12.330 13.667 59 3.480 6.151 8.051 9.546 10.811 12.027 13.289 14.630 60 3.809 6.744 8.795 10.385 11.776 13.048 14.340 15.691 61 4.199 7.363 9.560 11.284 12.790 14.109 15.437 16.824 62 4.630 7.978 10.315 12.213 13.776 15.166 16.547 18.006 63 5.100 8.681 11.147 13.144 14.725 16.161 17.599 19.137 64 5.618 9.504 12.068 14.073 15.666 17.134 18.611 20.234 65 6.185 10.343 13.005 14.985 16.627 18.135 19.675 21.435 X [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT --- ------ ------ ------ ------ ------ ------ ------ ------ 20 0.839 0.880 0.794 0.859 0.904 0.961 1.007 1.940 35 21 0.891 0.952 0.876 0.926 0.979 1.036 1.101 2.090 36 22 0.916 0.991 0.926 0.974 1.042 1.119 1.207 2.280 37 23 0.962 1.049 0.991 1.042 1.129 1.226 1.315 2.490 38 24 1.029 1.129 1.091 1.146 1.260 1.381 1.490 2.730 39 25 1.120 1.235 1.203 1.295 1.435 1.580 1.699 3.000 40 26 1.199 1.337 1.313 1.443 1.589 1.756 1.905 3.330 41 27 1.334 1.500 1.477 1.621 1.788 1.974 2.137 3.640 42 28 1.488 1.682 1.646 1.805 1.986 2.193 2.363 3.960 43 29 1.670 1.903 1.860 2.023 2.216 2.420 2.611 4.280 44 30 1.890 2.151 2.099 2.274 2.464 2.681 2.890 4.610 45 31 2.105 2.390 2.330 2.516 2.724 2.966 3.193 4.950 46 32 2.289 2.604 2.530 2.740 2.968 3.223 3.464 5.310 47 33 2.471 2.810 2.747 2.988 3.261 3.553 3.846 5.680 48 34 2.657 3.012 2.971 3.248 3.569 3.924 4.269 6.080 49 35 2.903 3.278 3.234 3.533 3.896 4.294 4.679 6.540 5O 36 3.164 3.564 3.504 3.838 4.246 4.693 5.127 7.000 51 37 3.454 3.869 3.805 4.166 4.607 5.105 5.580 7.520 52 38 3.826 4.289 4.187 4.568 5.025 5.544 6.058 8.130 53 39 4.246 4.744 4.622 5.030 5.516 6.080 6.677 8.750 54 40 4.601 5.155 5.002 5.412 5.917 6.519 7.198 9.400 55 41 4.972 5.575 5.411 5.863 6.418 7.105 7.883 10.050 56 42 5.460 6.118 5.943 6.452 7.062 7.800 8.670 10.670 57 43 5.802 6.544 6.407 7.014 7.701 8.521 9.498 11.250 58 44 6.121 6.964 6.902 7.607 8.404 9.324 10.385 11.850 59 45 6.465 7.417 7.419 8.244 9.169 10.191 11.312 12.510 60 46 6.884 7.892 7.959 8.914 9.976 11.077 12.305 13.360 61 47 7.410 8.439 8.515 9.544 10.656 11.841 13.179 14.390 62 48 8.023 9.050 9.091 10.142 11.333 12.652 14.103 15.780 63 49 8.667 9.703 9.656 10.741 12.044 13.487 15.065 17.330 64 50 9.287 10.317 10.247 11.458 12.911 14.546 16.369 19.070 65 51 10.069 11.158 11.082 12.384 13.956 15.775 17.806 20.790 66 52 10.815 12.024 11.941 13.345 15.062 17.061 19.285 22.580 67 53 11.550 12.856 12.805 14.346 16.213 18.358 20.779 24.200 68 54 12.245 13.679 13.682 15.394 17.395 19.681 22.284 26.020 69 55 12.940 14.517 14.600 16.477 18.627 21.063 23.864 27.950 70 56 13.644 15.396 15.557 17.607 19.924 22.534 25.534 30.450 71 57 14.381 16.330 16.565 18.799 21.307 24.109 27.333 33.550 72 58 15.211 17.335 17.626 20.040 22.753 25.795 29.278 37.330 73 59 16.200 18.428 18.740 21.308 24.256 27.584 31.346 41.740 74 60 17.319 19.610 19.911 22.637 25.827 29.462 33.527 46.640 75 61 18.530 20.869 21.239 24.229 27.806 31.929 36.711 51.920 76 62 19.794 22.225 22.663 25.940 29.924 34.742 40.143 57.460 77 63 21.035 23.587 24.216 27.935 32.701 38.312 44.595 63.280 78 64 22.280 24.979 25.734 29.992 35.300 41.535 48.532 69.410 79 65 23.671 26.542 27.684 32.513 38.521 45.637 53.651 76.260 80
Memorandum Addendum No. VI to the Automatic Reinsurance Agreement effective June 1, 1984 between the Life Insurance Company of Virginia and the North American Reassurance Company. Effective February 1, 1992, reinsurance generated on the Graded Premium Life plan, (Form P1417 1/92) shall be ceded under the above referenced Reinsurance Agreement subject to the same terms and conditions of the Agreement except as provided below: 1. Plan of Reinsurance: A. Reinsurance of Life risks shall be on the risk premium basis. The risk amount on the policy reinsured shall be calculated annually and shall be equal to the face amount less the Company's retention. 2. Reinsurance Administration: A. Reinsurance shall be ceded using a bordereau format in accordance with the suggested reporting details for Non-Universal Life products as indicated in Exhibit C of the basic Agreement. 3. Reinsurance Premiums: A. Life Premiums i) Until further notice, reinsurance premiums shall be developed as described in the Exhibit B attached to this Memorandum Addendum. North American Re guarantees that premium rates for a given attained age, rating, and duration shall not exceed the higher of the rate shown in the attached schedule (Exhibit B) for that age, rating, and duration or the one year term rate on the appropriate multiple of the applicable 1980 CSO table at the maximum statutory valuation rate approved in New York state. ii) Reinsurance premiums are annual premiums payable at the end of the month in which they become due. - _ - 4. Premium Tax Reimbursement: A. The reinsurance premiums for these plans of insurance have been calculated to reflect the Ceding Company's premium tax liability. North American Re shall not make any additional reimbursement for premium taxes. 5. Percentage of Participation: A. North American Re's percentage of participation shall be equal to 20% of 100%. IN WITNESS WHEREOF, the Company and North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. THE LIFE INSURANCE COMPANY OF VIRGINIA By /s/ Illegible Zd V.P. ------------------, -------- Authorized officer Title Attest: By /s/ Illegible Illegible ------------------, ----------- Authorized Officer Title Date: april 14, 1992 NORTH AMERICAN REASSURANCE COMPANY By /s/ Illegible Sr Vice President ------------------, ----------------- Authorized Officer Title Attest: By /s/ Illegible assistant Secretary ------------------, ------------------- Authorized Officer Title Date: april 17, 1992 - 2 - REINSURANCE PREMIUMS I. Plan: Graded Premium Life (Form P1417 1/92) II. Standard Reinsurance Risk Premiums: Reinsurance on the above plan shall be ceded on a bordereau basis employing annual reinsurance premiums. The reinsurance premiums shall equal the mortality assumptions attached to this Exhibit B, multiplied by the following factors: ISSUE PREF PREF AGE NS NS SMK SMK --------- ---- ---- ---- ---- 0-40 1.25 1.25 1.25 1.25 41-60 1.08 1.10 1.05 1.05 61 & Older 1.10 1.08 1.15 1.15 Re-entry is available after 10 years. Upon re-entry, the policy is treated as a new issue. III. Multiple Table Substandard Reinsurance Premiums: Multiple table substandard reinsurance premiums are equal to the sum of the standard premium (Preferred Nonsmoker and Smoker or Standard Nonsmoker and Smoker) and 25% of the standard premium for each 25% excess mortality. IV. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B LIFE INSURANCE COMPANY OF VIRGINIA GRADED PREMIUM LIFE MALE PREFERRED NONSMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS 1-10 NONREENTRANT MORTALITY YEARS 11+
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 --- ----- ----- ----- ------ ------ ------ ------ ------ 20 0.620 0.570 0.588 0.588 0.582 0.547 0.549 0.540 21 0.399 0.519 0.550 0.556 0.551 0.527 0.550 0.559 22 0.348 0.459 0.493 0.495 0.491 0.482 0.492 0.504 23 0.309 0.404 0.438 0.440 0.443 0.435 0.447 0.458 24 0.268 0.351 0.382 0.395 0.398 0.399 0.405 0.424 25 0.239 0.310 0.345 0.357 0.372 0.373 0.386 0.411 26 0.221 0.289 0.319 0.338 0.356 0.369 0.389 0.415 27 0.216 0.274 0.305 0.327 0.353 0.376 0.402 0.435 28 0.215 0.274 0.300 0.329 0.360 0.389 0.421 0.471 29 0.221 0.277 0.306 0.340 0.377 0.412 0.462 0.512 30 0.225 0.287 0.321 0.353 0.395 0.446 0.492 0.562 31 0.227 0.298 0.328 0.369 0.418 0.469 0.532 0.602 32 0.230 0.302 0.340 0.387 0.436 0.500 0.570 0.650 33 0.225 0.303 0.351 0.401 0.465 0.532 0.613 0.698 34 0.215 0.302 0.353 0.416 0.485 0.561 0.644 0.738 35 0.217 0.308 0.372 0.445 0.521 0.605 0.696 0.803 36 0.219 0.326 0.401 0.484 0.573 0.666 0.773 0.889 37 0.231 0.349 0.436 0.532 0.633 0.738 0.855 0.983 38 0.248 0.380 0.484 0.591 0.704 0.818 0.943 1.093 39 0.270 0.424 0.538 0.657 0.779 0.905 1.048 1.218 40 0.297 0.471 0.600 0.734 0.861 1.001 1.167 1.355 41 0.324 0.519 0.668 0.811 0.954 1.114 1.291 1.497 42 0.352 0.571 0.732 0.893 1.058 1.231 1.426 1.653 43 0.380 0.618 0.799 0.982 1.163 1.354 1.565 1.811 44 0.408 0.669 0.873 1.074 1.269 1.478 1.708 1.972 45 0.440 0.728 0.950 1.174 1.388 1.616 1.866 2.156 46 0.475 0.786 1.031 1.283 1.525 1.773 2.053 2.366 47 0.511 0.855 1.127 1.407 1.685 1.966 2.265 2.614 48 0.547 0.932 1.237 1:550 1.881 2.195 2.529 2.925 49 0.586 1.016 1.359 1.720 2.094 2.457 2.849 3.294 50 0.626 1.112 1.500 1.900 2.322 2.749 3.199 3.699 51 0.669 1.217 1.651 2.093 2.567 3.054 3.561 4.111 52 0.720 1.329 1.811 2.302 2.816 3.353 3.909 4.530 53 0.772 1.445 1.980 2.510 3.066 3.631 4.245 4.921 54 0.832 1.572 2.155 2.725 3.312 3.913 4.564 5.294 55 0.899 1.714 2.350 2.955 3.584 4.209 4.888 5.671 56 0.980 1.874 2.567 3.227 3.881 4.527 5.249 6.094 57 1.079 2.061 2.830 3.539 4.212 4.901 5.679 6.584 58 1.194 2.296 3.145 3.906 4.619 5.369 6.208 7.164 59 1.336 2.570 3.507 4.333 5.117 5.935 6.830 7.834 60 1.498 2.874 3.908 4.813 5.694 6.573 7.529 8.592 61 1.684 3.201 4.337 5.342 6.312 7.261 8.288 9.423 62 1.894 3.541 4.781 5.903 6.945 7.980 9.087 10.323 63 2.131 3.936 5.274 6.490 7.592 8.699 9.893 11.245 64 2.398 4.400 5.833 7.105 8.261 9.440 10.724 12.197 65 2.695 4.891 6.427 7.739 8.975 10.242 11.629 13.278 66 3.017 5.379 7.007 8.389 9.743 11.135 12.695 14.569 67 3.377 5.822 7.524 9.052 10.579 12.177 13.976 16.163 68 3.767 6.230 7.999 9.716 11.498 13.396 15.561 18.127 69 4.194 6.642 8.467 10.400 12.500 14.816 17.429 20.502 70 4.655 7.038 8.932 11.090 13.584 16.383 19.584 23.265 X [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+11 ULT --- ------ ------ ------ ------- ------- ------- ------- ------- 20 0.542 0.553 0.997 0.973 0.968 0.979 0.965 0.964 35 21 0.585 0.610 1.155 1.080 1.060 1.035 1.023 0.987 36 22 0.528 0.562 1.070 0.987 0.989 1.004 0.997 0.999 37 23 0.484 0.524 1.008 0.940 0.980 1.001 1.007 1.035 38 24 0.455 0.494 0.995 0.940 0.986 1.042 1.062 1.104 39 25 0.443 0.488 1.012 0.973 1.051 1.112 1.147 1.209 40 26 0.454 0.511 1.067 1.067 1.128 1.207 1.261 1.329 41 27 0.486 0.544 1.169 1.163 1.236 1.321 1.391 1.464 42 28 0.522 0.596 1.273 1.265 1.330 1.431 1.508 1.595 43 29 0.580 0.663 1.429 1.393 1.461 1.556 1.648 1.744 44 30 0.638 0.731 1.571 1.527 1.589 1.684 1.788 1.923 45 31 0.694 0.791 1.706 1.658 1.715 1.823 1.958 2.139 46 32 0.748 0.857 1.855 1.807 1.871 2.006 2.183 2.388 47 33 0.802 0.923 2.013 1.961 2.069 2.254 2.473 2.718 48 34 0.849 0.975 2.136 2.114 2.281 2.519 2.800 3.113 49 35 0.924 1.053 2.342 2.356 2.562 2.850 .3.196 3.588 50 36 1.016 1.165 2.627 2.659 2.910 3.248 3.645 4.066 51 37 1.129 1.298 2.952 2.991 3.273 3.662 4.111 4.547 52 38 1.260 1.448 3.309 3.348 3.642 4.077 4.609 5.044 53 39 1.406 1.611 3.707 3.730 4.041 4.535 5.134 5.652 54 40 1.563 1.795 4.149 4.143 4.493 5.018 5.729 6.360 55 41 1.733 1.990 4.632 4.638 4.989 5.591 6.436 7.241 56 42 1.912 2.200 5.191 5.193 5.591 6.284 7.270 8.289 57 43 2.088 2.432 5.786 5.838 6.328 7.119 8.244 9.421 58 44 2.277 2.667 6.443 6.584 7.185 8.102 9.352 10.765 59 45 2.480 2.931 7.193 7.413 8.146 9.200 10.671 12.204 60 46 2.726 3.234 8.001 8.311 9.186 10.454 12.138 13.792 61 47 3.045 3.588 8.896 9.264 10.335 11.816 13.764 15.598 62 48 3.422 3.995 9.858 10.306 11.524 13.243 15.523 17.615 63 49 3.839 4.446 10.953 11.401 12.761 14.772 17.415 19.824 64 50 4.273 4.953 12.105 12.551 14.087 16.408 19.454 22.126 65 51 4.743 5.485 13.345 13.895 15.698 18.464 22.075 25.311 66 52 5.216 6.028 14.695 15.478 17.707 21.019 25.458 29.414 67 53 5.682 6.576 16.054 17.052 19.656 23.477 28.726 33.334 68 54 6.145 7.143 17.521 18.812 21.943 26.536 32.829 38.205 69 55 6.631 7.745 19.021 20.596 24.245 29.577 36.847 42.813 70 56 7.142 8.385 20.640 22.620 26.880 33.044 41.414 48.592 71 57 7.685 9.085 22.338 24.804 29.697 36.581 45.882 53.989 72 58 8.304 9.861 24.175 27.271 32.940 40.638 51.025 60.121 73 59 9.043 10.723 26.248 30.176 36.907 45.888 57.765 68.284 74 60 9.889 11.680 28.456 33.224 41.008 51.193 64.455 76.413 75 61 10.830 12.741 31.052 36.460 45.394 57.305 72.634 86.282 76 62 11.858 13.919 33.867 39.830 49.873 63.193 80.535 96.088 77 63 12.927 15.181 37.003 43.828 55.235 70.617 90.782 108.974 78 64 14.071 16.537 40.597 48.399 61.534 79.361 102.974 124.416 79 65 15.377 18.104 44.853 53.969 69.111 89.875 117.759 142.622 80 66 16.952 19.939 50.072 60.742 78.190 102.331 135.514 163.844 81 67 18.864 22.187 56.444 68.841 88.822 116.850 156.456 188.641 82 68 21.247 24.956 63.981 78.106 100.739 132.927 179.893 216.461 83 69 24.114 28.261 72.593 88.479 113.804 150.365 205.805 248.856 84 70 27.438 32.063 82.595 100.492 128.901 170.769 237.111 288.006 85
LIFE INSURANCE COMPANY OF VIRGINIA GRADED PREMIUM LIFE MALE NONSMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS 1-10 NONREENTRANT MORTALITY YEARS 11+
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 --- ----- ------ ----- ------ ------ ------ ------ ------ 20 0.646 0.871 0.891 0.886 0.870 0.811 0.808 0.790 21 0.600 0.794 0.835 0.836 0.823 0.782 0.810 0.818 22 0.524 0.702 0.749 0.745 0.733 0.715 0.724 0.737 23 0.465 0.618 0.665 0.662 0.662 0.646 0.658 0.671 24 0.404 0.536 0.579 0.594 0.595 0.592 0.596 0.620 25 0.360 0.473 0.523 0.538 0.556 0.553 0.569 0.602 26 0.333 0.442 0.484 0.508 0.532 0.548 0.573 0.608 27 0.324 0.419 0.462 0.493 0.527 0.558 0.592 0.636 28 0.323 0.418 0.455 0.495 0.537 0.577 0.620 0.689 29 0.333 0.424 0.464 0.512 0.563 0.612 0.680 0.750 30 0.339 0.440 0.486 0.531 0.590 0.662 0.724 0.822 31 0.342 0.456 0.498 0.555 0.625 0.696 0.784 0.880 32 0.346 0.462 0.516 0.583 0.652 0.742 0.839 0.952 33 0.339 0.464 0.532 0.604 0.695 0.789 0.902 1.021 34 0.324 0.463 0.535 0.626 0.725 0.832 0.949 1.080 35 0.327 0.472 0.565 0.670 0.779 0.898 1.025 1.174 36 0.329 0.499 0.608 0.729 0.856 0.987 1.139 1.301 37 0.348 0.533 0.662 0.802 0.945 1.095 1.259 1.438 38 0.373 0.582 0.734 0.889 1.051 1.213 1.390 1.600 39 0.406 0.648 0.816 0.989 1.163 1.342 1.544 1.783 40 0.446 0.720 0.910 1.105 1.286 1.485 1.720 1.982 41 0.487 0.794 1.014 1.221 1.426 1.652 1.901 2.191 42 0.530 0.874 1.110 1.345 1.582 1.826 2.101 2.419 43 0.572 0.946 1.213 1.478 1.738 2.008 2.305 2.650 44 0.613 1.023 1.324 1.617 1.897 2.193 2.517 2.885 45 0.662 1.113 1.441 1.768 2.074 2.397 2.748 3.155 46 0.715 1.203 1.564 1.932 2.279 2.630 3.024 3.462 47 0.768 1.308 1.710 2.118 2.518 2.916 3.337 3.824 48 0.823 1.426 1.877 2.333 2.811 3.256 3.726 4.280 49 0.882 1.554 2.062 2.589 3.129 3.645 4.198 4.820 50 0.942 1.700 2.276 2.860 3.470 4.078 4.713 5.412 51 1.007 1.862 2.505 3.152 3.835 4.530 5.245 6.015 52 1.083 2.033 2.748 3.465 4.208 4.975 5.758 6.628 53 1.162 2.211 3.004 3.779 4.581 5.386 6.254 7.200 54 1.252 2.405 3.270 4.103 4.949 5.805 6.723 7.746 55 1.353 2.621 3.566 4.448 5.355 6.244 7.201 8.298 56 1.475 2.866 3.894 4.858 5.799 6.715 7.732 8.916 57 1.623 3.153 4.294 5.329 6.293 7.270 8.367 9.634 58 1.797 3.512 4.772 5.881 6.902 7.965 9.145 10.482 59 2.011 3.931 5.320 6.524 7.645 8.805 10.061 11.463 60 2.254 4.396 5.929 7.246 8.508 9.751 11.091 12.571 61 2.534 4.895 6.580 8.043 9.432 10.771 12.209 13.788 62 2.850 5.416 7.253 8.887 10.378 11.839 13.387 15.104 63 3.206 6.021 8.001 9.770 11.344 12.905 14.573 16.454 64 3.608 6.729 8.849 10.697 12.345 14.004 15.798 17.846 65 4.054 7.480 9.752 11.651 13.411 15.193 17.131 19.429 66 4.540 8.227 10.631 12.630 14.559 16.519 18.702 21.317 67 5.080 8.904 11.416 13.628 15.807 18.065 20.589 23.650 68 5.668 9.529 12.136 14.627 17.181 19.873 22.924 26.523 69 6.311 10.158 12.846 15.656 18.678 21.979 25.676 29.999 70 7.005 10.765 13.551 16.696 20.297 24.304 28.851 34.041 X [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+11 ULT --- ----- ------ ------- ------- ------- ------- ------- ------- 20 0.788 0.798 1.365 1.255 1.190 1.142 1.058 1.019 35 21 0.850 0.881 1.587 1.399 1.309 1.209 1.122 1.044 36 22 0.767 0.811 1.468 1.271 1.212 1.164 1.082 1.044 37 23 0.704 0.757 1.381 1.206 1.197 1.155 1.084 1.069 38 24 0.661 0.714 1.364 1.206 1.204 1.202 1.146 1.150 39 25 0.645 0.705 1.388 1.251 1.284 1.283 1.238 1.260 40 26 0.659 0.738 1.465 1.373 1.377 1.392 1.362 1.385 41 27 0.707 0.785 1.606 1.500 1.511 1.523 1.501 1.526 42 28 0.759 0.861 1.749 1.631 1.622 1.645 1.621 1.659 43 29 0.844 0.958 1.965 1.794 1.779 1.783 1.767 1.812 44 30 0.928 1.055 2.161 1.965 1.930 1.923 1.912 1.995 45 31 1.009 1.143 2.346 2.132 2.078 2.075 2.089 2.201 46 32 1.087 1.237 2.551 2.322 2.267 2.284 2.330 2.457 47 33 1.166 1.334 2.769 2.521 2.508 2.574 2.653 2.804 48 34 1.234 1.408 2.936 2.717 2.768 2.883 3.022 3.245 49 35 1.343 1.522 3.221 3.032 3.119 3.276 3.472 3.753 50 36 1.477 1.682 3.616 3.431 3.555 3.752 3.981 4.294 51 37 1.641 1.876 4.066 3.867 4.009 4.243 4.502 4.808 52 38 1.831 2.091 4.562 4.335 4.465 4.730 5.051 5.373 53 39 2.044 2.327 5.115 4.836 4.959 5.262 5.625 5.981 54 40 2.271 2.593 5.729 5.375 5.517 5.823 6.281 6.730 55 41 2.518 2.875 6.400 6.025 6.131 6.495 7.072 7.670 56 42 2.780 3.177 7.178 6.755 6.882 7.318 8.019 8.796 57 43 3.035 3.512 ' 8.005 7.606 7.810 8.323 9.140 10.088 58 44 3.310 3.852 8.918 8.594 8.896 9.517 10.430 11.638 59 45 3.606 4.234 9.960 9.690 10.115 10.854 11.975 13.315 60 46 3.963 4.671 11.082 10.877 11.433 12.379 13.696 15.076 61 47 4.426 5.183 12.323 12.133 12.881 14.030 15.603 17.083 62 48 4.974 5.770 13.657 13.498 14.369 15.746 17.646 19.317 63 49 5.581 6.422 15.172 14.928 15.906 17.572 19.820 21.752 64 50 6.211 7.154 16.764 16.424 17.550 19.520 22.147 24.435 65 51 6.895 7.922 18.477 18.180 19.564 21.992 25.188 27.983 66 52 7.583 8.707 20.340 20.260 22.106 25.102 29.183 32.571 67 53 8.260 9.498 22.212 22.315 24.553 28.077 33.027 36.951 68 54 8.933 10.318 24.231 24.607 27.431 31.822 37.917 42.670 69 55 9.639 11.187 26.291 26.927 30.320 35.538 42.684 48.145 70 56 10.383 12.111 28.515 29.575 33.658 39.807 48.128 54.395 71 57 11.171 13.122 30.843 32.457 37.264 44.168 53.427 60.812 72 58 12.070 14.244 33.363 35.736 41.457 49.216 59.560 68.157 73 59 13.145 15.489 36.208 39.619 46.629 55.829 67.713 77.493 74 60 14.376 16.871 39.237 43.703 51.993 62.530 75.793 86.807 75 61 15.742 18.404 42.812 47.973 57.609 70.140 85.679 98.615 76 62 17.237 20.106 46.686 52.413 63.332 77.437 95.173 110.472 77 63 18.791 21.928 51.007 57.705 70.237 86.750 107.690 125.386 78 64 20.454 23.886 55.977 63.828 78.478 97.936 122.956 144.060 79 65 22.352 26.150 61.893 71.385 88.562 111.696 142.041 167.001 80 66 24.642 28.800 69.172 80.659 100.824 128.349 165.660 194.780 81 67 27.422 32.047 78.067 91.815 115.342 148.119 194.362 227.374 82 68 30.886 36.048 88.571 104.571 131.667 170.228 227.201 265.267 83 69 35.053 40.821 100.547 118.836 149.605 194.428 264.336 310.772 84 70 39.885 46.313 114.473 135.493 170.697 223.647 311.757 368.373 85
LIFE INSURANCE COMPANY OF VIRGINIA GRADED PREMIUM LIFE MALE PREFERRED SMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS 1-10 NONREENTRANT MORTALITY YEARS 11+
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 --- ----- ------ ------ ------ ------ ------ ------ ------ 20 0.740 0.896 0.998 0.993 0.977 0.918 0.919 0.909 21 0.692 0.829 0.948 0.952 0.944 0.901 0.943 0.966 22 0.614 0.744 0.864 0.866 0.856 0.844 0.866 0.896 23 0.553 0.665 0.783 0.783 0.791 0.782 0.810 0.853 24 0.488 0.589 0.695 0.720 0.730 0.738 0.768 0.813 25 0.443 0.530 0.643 0.669 0.703 0.722 0.756 0.805 26 0.418 0.506 0.610 0.651 0.704 0.737 0.777 0.835 27 0.417 0.493 0.600 0.661 0.719 0.767 0.824 0.894 28 0.426 0.507 0.619 0.684 0.748 0.813 0.882 0.972 29 0.452 0.538 0.650 0.722 0.805 0.882 0.972 1.081 30 0.482 0.574 0.696 0.768 0.862 0.960 1.058 1.195 31 0.501 0.608 0.731 0.822 0.917 1.030 1.155 1.300 32 0.518 0.632 0.775 0.867 0.977 1.107 1.256 1.420 33 0.520 0.649 0.803 0.917 1.051 1.196 1.364 1.546 34 0.509 0.651 0.824 0.960 1.113 1.274 1.455 1.655 35 0.515 0.678 0.877 1.043 1.208 1.395 1.592 1.815 36 0.530 0.723 0.960 1.147 1.348 1.553 1.783 2.025 37 0.566 0.785 1.056 1.279 1.506 1.736 1.986 2.262 38 0.616 0.866 1.187 1.436 1.690 1.938 2.214 2.529 39 0.678 0.978 1.335 1.611 1.883 2.166 2.473 2.805 40 0.755 1.100 1.502 1.812 2.103 2.409 2.741 3.107 41 0.835 1.223 1.686 2.023 2.345 2.668 3.019 3.420 42 0.915 1.356 1.865 2.241 2.588 2.938 3.323 3.761 43 0.996 1.482 2.049 2.451 2.833 3.217 3.631 4.095 44 1.078 1.613 2.226 2.671 3.080 3.500 3.940 4.425 45 1.170 1.745 2.413 2.909 3.354 3.802 4.270 4.773 46 1.258 1.879 2.610 3.167 3.663 4.139 4.634 5.178 47 1.347 2.035 2.841 3.451 4.016 4.528 5.056 5.646 48 1.436 2.209 3.100 3.772 4.422 4.999 5.573 6.213 49 1.533 2.394 3.380 4.129 4.868 5.524 6.173 6.874 50 1.628 2.599 3.680 4.510 5.328 6.075 6.809 7.577 51 1.727 2.807 4.004 4.905 5.791 6.630 7.439 8.280 52 1.831 3.031 4.334 5.303 6.241 7.148 8.030 8.908 53 1.943 3.253 4.660 5.681 6.670 7.610 8.514 9.457 54 2.067 3.479 4.983 6.055 7.085 8.008 8.945 9.971 55 2.196 3.726 5.334 6.454 7.485 8.417 9.389 10.471 56 2.352 3.999 5.727 6.882 7.921 8.871 9.883 11.029 57 2.541 4.325 6.166 7.377 8.425 9.415 10.483 11.670 58 2.765 4.704 6.697 7.979 9.058 10.112 11.221 12.436 59 3.021 5.145 7.317 8.677 9.835 10.946 12.092 13.312 60 3.310 5.639 7.994 9.448 10.718 11.873 13.048 14.285 61 3.647 6.157 8.697 10.269 11.638 12.838 14.053 15.314 62 4.021 6.677 9.388 11.114 12.535 13.807 15.062 16.396 63 4.433 7.269 10.143 11.960 13.405 14.711 16.025 17.447 64 4.886 7.956 10.981 12.812 14.260 15.601 16.968 18.472 65 5.378 8.658 11.840 13.641 15.140 16.534 17.962 19.619 66 5.895 9.317 12.617 14.451 16.055 17.548 19.130 20.990 67 6.454 9.857 13.241 15.232 17.016 18.722 20.536 22.690 68 7.039 10.309 13.750 15.959 18.043 20.083 22.279 24.945 69 7.658 10.735 14.207 16.664 19.127 21.641 24.461 27.643 70 8.304 11.105 14.621 17.328 20.252 23.459 26.930 30.723 X [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+11 ULT --- ------ ------ ------ ------- ------- ------- ------- ------- 20 0.918 0.946 1.696 1.790 1.782 1.895 1.959 1.988 35 21 1.020 1.092 2.041 2.033 2.010 2.050 2.088 2.080 36 22 0.963 1.037 1.922 1.901 1.905 1.992 2.073 2.120 37 23 0.911 0.988 1.854 1.847 1.893 2.023 2.108 2.214 38 24 0.874 0.956 1.874 1.858 1.944 2.124 2.261 2.405 39 25 0.874 0.965 1.917 1.966 2.091 2.303 2.467 2.651 40 26 0.914 1.016 2.069 2.174 2.279 2.525 2.752 2.950 41 27 0.985 1.104 2.291 2.411 2.526 2.805 3.071 3.278 42 28 1.081 1.220 2.536 2.649 2.752 3.071 3.357 3.621 43 29 1.211 1.380 2.881 2.957 3.057 3.364 3.692 3.999 44 30 1.353 1.536 3.215 3.280 3.347 3.661 4.046 4.433 45 31 1.486 1.687 3.532 3.591 3.632 3.999 4.454 4.871 46 32 1.624 1.849 3.873 3.940 4.002 4.425 4.942 5.418 47 33 1.764 2.009 4.235 4.323 4.453 4.956 5.584 6.145 48 34 1.882 2.136 4.536 4.684 4.890 5.524 6.307 7.065 49 35 2.064 2.333 5.006 5.199 5.485 6.238 7.184 8.041 50 36 2.293 2.593 5.600 5.853 6.223 7.099 8.155 9.109 51 37 2.561 2.877 6.281 6.564 6.987 7.967 9.136 10.051 52 38 2.845 3.196 7.029 7.326 7.735 8.810 10.111 11.099 53 39 3.164 3.542 7.859 8.118 8.525 9.671 11.139 12.194 54 40 3.501 3.932 8.760 8.952 9.356 10.585 12.276 13.490 55 41 3.867 4.332 9.722 9.893 10.281 11.650 13.574 15.094 56 42 4.242 4.751 10.767 10.961 11.389 12.895 15.087 16.966 57 43 4.596 5.181 11.883 12.175 12.705 14.385 16.828 19.091 58 44 4.945 5.619 13.076 13.514 14.213 16.115 18.813 21.306 59 45 5.325 6.094 14.369 14.961 15.859 18.040 21.010 23.762 60 46 5.776 6.612 15.713 16.480 17.622 20.059 23.410 26.323 61 47 6.344 7.207 17.157 18.071 19.384 22.199 26.072 29.190 62 48 7.004 7.876 18.695 19.631 21.134 24.410 28.870 32.321 63 49 7.714 8.619 20.274 21.222 22.932 26.708 31.782 35.623 64 50 8.442 9.374 21.886 22.893 24.810 29.092 34.794 39.172 65 51 9.149 10.145 23.632 24.845 27.114 32.093 38.730 43.868 66 52 9.833 10.928 25.489 27.138 29.998 35.849 43.833 49.882 67 53 10.497 11.685 27.269 29.276 32.632 39.239 48.474 55.573 68 54 11.130 12.444 29.111 31.627 35.683 43.469 54.278 62.248 69 55 11.772 13.212 30.910 33.886 38.585 47.415 59.635 68.512 70 56 12.418 14.009 32.792 36.411 41.855 51.850 65.591 75.494 71 57 13.086 14.859 34.674 39.039 45.261 56.142 71.031 82.268 72 58 13.841 15.781 36.632 41.971 49.146 60.986 77.186 89.796 73 59 14.748 16.774 38.827 45.400 53.905 67.352 85.416 99.354 74 60 15.765 17.856 41.072 48.829 58.572 73.412 93.024 108.976 75 61 16.872 19.027 43.737 52.272 63.236 80.121 102.888 121.153 76 62 18.046 20.290 46.520 55.669 67.676 86.603 111.819 132.132 77 63 19.204 21.589 49.555 59.680 73.491 94.875 123.627 147.387 78 64 20.393 22.932 53.013 64.633 80.327 104.613 137.636 164.590 79 65 21.731 24.461 57.533 70.695 88.611 116.339 154.671 185.290 80 66 23.341 26.409 63.106 78.059 98.497 130.127 175.031 208.790 81 67 25.463 28.792 69.890 86.756 109.893 145.931 198.668 236.605 82 68 28.099 31.721 77.738 96.440 122.219 162.726 224.204 266.896 83 69 31.236 35.167 86.434 106.928 135.108 180.074 251.070 298.980 84 70 34.796 39.043 96.352 118.785 149.695 199.903 282.838 339.381 85
LIFE INSURANCE COMPANY OF VIRGINIA GRADED PREMIUM LIFE MALE SMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS 1-10 NONREENTRANT MORTALITY YEARS 11+
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 --- ----- ----- ----- ------ ------ ------ ------ ------ 20 0.775 1.510 1.547 1.539 1.514 1.423 1.425 1.409 21 1.123 1.397 1.469 1.476 1.463 1.396 1.462 1.497 22 0.996 1.254 1.339 1.343 1.327 1.309 1.342 1.389 23 0.897 1.121 1.214 1.214 1.227 1.212 1.256 1.322 24 0.791 0.993 1.077 1.117 1.132 1.144 1.190 1.260 25 0.719 0.893 0.996 1.037 1.089 1.120 1.172 1.248 26 0.678 0.853 0.946 1.009 1.092 1.143 1.204 1.294 27 0.676 0.830 0.930 1.025 1.114 1.188 1.277 1.385 28 0.691 0.854 0.959 1.060 1.159 1.261 1.367 1.507 29 0.733 0.906 1.007 1.119 1.247 1.367 1.507 1.675 30 0.782 0.968 1.078 1.191 1.336 1.487 1.640 1.852 31 0.813 1.024 1.134 1.274 1.421 1.596 1.790 2.015 32 0.840 1.065 1.201 1.344 1.514 1.715 1.947 2.201 33 0.844 1.094 1.245 1.422 1.630 1.854 2.114 2.396 34 0.825 1.097 1.277 1.487 1.726 1.974 2.255 2.566 35 0.836 1.142 1.359 1.617 1.873 2.162 2.467 2.813 36 0.860 1.219 1.487 1.778 2.090 2.407 2.764 3.139 37 0.918 1.322 1.636 1.982 2.335 2.691 3.078 3.505 38 0.999 1.458 1.839 2.226 2.619 3.004 3.432 3.920 39 1.099 1.648 2.070 2.498 2.919 3.358 3.833 4.348 40 1.225 1.853 2.328 2.809 3.259 3.734 4.248 4.816 41 1.354 2.061 2.614 3.136 3.635 4.136 4.679 5.301 42 1.484 2.284 2.890 3.474 4.012 4.554 5.150 5.829 43 1.616 2.497 3.176 3.800 4.391 4.987 5.628 6.348 44 1.749 2.717 3.451 4.141 4.773 5.426 6.108 6.858 45 1.898 2.940 3.740 4.510 5.199 5.893 6.618 7.398 46 2.041 3.165 4.045 4.908 5.678 6.415 7.188 8.026 47 2.184 3.429 4.404 5.349 6.225 7.019 7.837 8.751 48 2.329 3.722 4.805 5.846 6.855 7.748 8.638 9.631 49 2.487 4.034 5.239 6.399 7.546 8.562 9.568 10.655 50 2.640 4.378 5.704 6.990 8.259 9.417 10.554 11.744 51 2.801 4.730 6.206 7.602 8.975 10.277 11.531 12.834 52 2.971 5.106 6.718 8.219 9.673 11.079 12.446 13.807 53 3.151 5.481 7.223 8.805 10.339 11.795 13.197 14.658 54 3.353 5.862 7.724 9.385 10.981 12.412 13.864 15.455 55 3.562 6.277 8.268 10.004 11.602 13.046 14.553 16.229 56 3.815 6.738 8.878 10.667 12.277 13.750 15.319 17.095 57 4.122 7.287 9.558 11.434 13.059 14.593 16.249 18.088 58 4.485 7.926 10.380 12.367 14.039 15.673 17.393 19.276 59 4.901 8.668 11.341 13.449 15.245 16.966 18.743 20.634 60 5.368 9.501 12.391 14.644 16.613 18.403 20.225 22.141 61 5.915 10.373 13.480 15.917 18.039 19.899 21.783 23.737 62 6.523 11.250 14.551 17.226 19.430 21.400 23.346 25.413 63 7.191 12.246 15.722 18.538 20.778 22.802 24.838 27.043 64 7.926 13.405 17.021 19.858 22.103 24.182 26.301 28.632 65 8.723 14.587 18.352 21.143 23.466 25.628 27.841 30.410 66 9.562 15.697 19.556 22.399 24.885 27.200 29.652 32.534 67 10.469 16.607 20.523 23.609 26.375 29.019 31.832 35.169 68 11.417 17.368 21.312 24.736 27.967 31.129 34.532 38.665 69 12.423 18.087 22.021 25.830 29.646 33.543 37.915 42.846 70 13.469 18.710 22.663 26.859 31.390 36.362 41.741 47.621 X [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT --- ------ ------ ------- ------- ------- ------- ------- ------- 20 1.424 1.466 2.441 2.367 2.305 2.292 2.192 2.135 35 21 1.581 1.693 2.953 2.705 2.613 2.483 2.336 2.233 36 22 1.493 1.607 2.772 2.506 2.456 2.391 2.294 2.248 37 23 1.412 1.531 2.669 2.422 2.433 2.417 2.309 2.336 38 24 1.355 1.482 2.701 2.436 2.499 2.538 2.483 2.519 39 25 1.355 1.496 2.764 2.582 2.690 2.751 2.711 2.800 40 26 1.417 1.575 2.989 2.865 2.931 3.015 3.024 3.117 41 27 1.527 1.711 3.313 3.184 3.250 3.347 3.374 3.463 42 28 1.675 1.891 3.670 3.498 3.533 3.653 3.670 3.788 43 29 1.877 2.139 4.174 3.899 3.919 3.989 4.027 4.178 44 30 2.097 2.380 4.658 4.320 4.281 4.322 4.396 4.584 45 31 2.303 2.615 5.116 4.723 4.632 4.707 4.827 5.029 46 32 2.518 2.865 5.610 5.177 5.103 5.208 5.361 5.644 47 33 2.734 3.115 6.135 5.682 5.684 5.851 6.092 6.419 48 34 2.918 3.311 6.569 6.154 6.248 6.540 6.927 7.410 49 35 3.200 3.616 7.253 6.846 7.029 7.420 7.949 8.527 50 36 3.555 4.020 8.124 7.741 8.007 8.490 9.079 9.694 51 37 3.970 4.460 9.124 8.708 9.012 9.561 10.203 10.795 52 38 4.410 4.954 10.225 9.743 9.988 10.586 11.299 11.839 53 39 4.904 5.489 11.446 10.816 11.018 11.624 12.445 13.007 54 40 5.427 6.094 12.773 11.944 12.100 12.724 13.727 14.503 55 41 5.994 6.715 14.192 13.226 13.308 14.024 15.215 16.245 56 42 6.576 7.364 15.733 14.685 14.769 15.563 16.987 18.439 57 43 7.124 8.031 17.378 16.356 16.523 17.440 19.061 20.807 58 44 7.664 8.709 19.137 18.207 18.546 19.643 21.460 23.454 59 45 8.254 9.446 21.043 20.208 20.756 22.102 24.142 26.244 60 46 8.954 10.249 23.021 22.303 23.121 24.681 27.075 29.342 61 47 9.833 11.170 25.142 24.484 25.474 27.400 30.322 32.605 62 48 10.856 12.208 27.397 26.600 27.787 30.180 33.691 36.391 63 49 11.957 13.360 29.706 28.739 30.144 33.043 37.145 40.134 64 50 13.085 14.530 32.058 30.973 32.598 35.997 40.681 44.159 65 51 14.181 15.725 34.602 33.606 35.645 39.770 45.410 49.513 66 52 15.241 16.938 37.305 36.733 39.511 44.566 51.687 56.755 67 53 16.271 18.112 39.884 39.610 43.008 48.864 57.374 63.330 68 54 17.251 19.288 42.548 42.756 47.071 54.306 64.608 71.473 69 55 18.247 20.479 45.142 45.765 50.919 59.373 71.250 78.772 70 56 19.247 21.715 47.853 49.178 55.312 65.128 78.691 87.382 71 57 20.283 23.031 50.557 52.787 59.948 70.717 85.455 95.299 72 58 21.453 24.461 53.370 56.875 65.304 77.108 93.179 104.141 73 59 22.859 26.000 56.531 61.701 71.927 85.639 103.722 116.630 74 60 24.436 27.676 59.760 66.552 78.451 93.810 113.480 128.042 75 61 26.152 29.491 63.625 71.260 84.792 102.648 126.059 143.230 76 62 27.971 31.450 67.659 75.887 90.808 111.119 137.357 156.291 77 63 29.766 33.463 72.064 81.405 98.762 122.116 152.672 175.402 78 64 31.609 35.544 77.130 88.363 108.310 135.439 171.559 198.028 79 65 33.682 37.915 83.807 97.082 120.155 152.033 195.650 226.371 80 66 36.179 40.935 92.082 107.833 134.567 172.175 225.867 259.828 81 67 39.468 44.627 102.167 120.635 151.445 195.936 262.760 301.772 82 68 43.554 49.168 113.795 134.846 169.820 221.658 304.280 349.203 83 69 48.415 54.508 126.631 150.160 189.124 248.652 349.788 403.188 84 70 53.933 60.517 141.294 167.683 211.509 280.993 408.558 472.656 85
LIFE INSURANCE COMPANY OF VIRGINIA GRADED PREMIUM LIFE FEMALE PREFERRED NONSMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS 1-10 NONREENTRANT MORTALITY YEARS 11+
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 --- ----- ----- ----- ----- ----- ------ ------ ------ 20 0.307 0.298 0.312 0.316 0.316 0.304 0.311 0.311 21 0.222 0.289 0.305 0.308 0.306 0.295 0.307 0.314 22 0.212 0.278 0.298 0.300 0.299 0.294 0.302 0.309 23 0.207 0.270 0.294 0.296 0.298 0.295 0.303 0.313 24 0.199 0.261 0.285 0.294 0.299 0.299 0.306 0.321 25 0.193 0.251 0.279 0.291 0.303 0.306 0.318 0.337 26 0.184 0.240 0.267 0.282 0.300 0.311 0.327 0.351 27 0.184 0.236 0.262 0.284 0.306 0.326 0.350 0.380 28 0.187 0.238 0.264 0.289 0.315 0.343 0.372 0.414 29 0.193 0.244 0.269 0.298 0.333 0.365 0.406 0.456 30 0.201 0.256 0.285 0.315 0.354 0.398 0.443 0.505 31 0.205 0.268 0.297 0.334 0.377 0.428 0.484 0.548 32 0.206 0.272 0.307 0.347 0.396 0.452 0.517 0.590 33 0.201 0.272 0.313 0.362 0.418 0.480 0.553 0.631 34 0.195 0.272 0.321 0.378 0.442 0.511 0.588 0.673 35 0.195 0.280 0.337 0.404 0.473 0.551 0.633 0.728 36 0.195 0.290 0.357 0.432 0.512 0.594 0.689 0.791 37 0.202 0.305 0.382 0.467 0.554 0.645 0.746 0.859 38 0.217 0.333 0.424 0.518 0.615 0.714 0.825 0.953 39 0.236 0.372 0.471 0.575 0.680 0.791 0.914 1.058 40 0.255 0.405 0.514 0.628 0.738 0.856 0.995 1.153 41 0.273 0.437 0.561 0.682 0.801 0.931 1.077 1.247 42 0.296 0.480 0.615 0.749 0.885 1.027 1.188 1.373 43 0.313 0.510 0.658 0.805 0.951 1.105 1.275 1.474 44 0.329 0.539 0.701 0.861 1.016 1.180 1.362 1.574 45 0.347 0.572 0.746 0.920 1.085 1.262 1.458 1.685 46 0.366 0.605 0.791 0.983 1.166 1.357 1.570 1.815 47 0.384 0.642 0.845 1.053 1.263 1.472 1.700 1.966 48 0.402 0.618 0.906 1.136 1.378 1.612 1.861 2.157 49 0.420 0.728 0.974 1.232 1.504 1.768 2.054 2.380 50 0.438 0.779 1.050 1.333 1.633 1.937 2.259 2.618 51 0.469 0.852 1.159 1.472 1.808 2.156 2.520 2.919 52 0.504 0.933 1.273 1.622 1.988 2.373 2.775 3.215 53 0.542 1.016 1.395 1.772 2.170 2.578 3.013 3.494 54 0.585 1.108 1.522 1.929 2.351 2.777 3.240 3.757 55 0.634 1.210 1.663 2.098 2.544 2.988 3.469 4.024 56 0.692 1.326 1.822 2.290 2.755 3.213 3.724 4.321 57 0.764 1.464 2.009 2.513 2.989 3.477 4.027 4.666 58 0.848 1.630 2.233 2.772 3.277 3.807 4.399 5.078 59 0.949 1.825 2.489 3.075 3.628 4.206 4.842 5.555 60 1.063 2.040 2.773 3.413 4.034 4.659 5.339 6.090 61 1.195 2.271 3.075 3.786 4.475 5.149 5.875 6.678 62 1.344 2.511 3.388 4.185 4.925 5.657 6.440 7.314 63 1.511 2.789 3.739 4.602 5.381 6.165 7.009 7.958 64 1.699 3.119 4.136 5.036 5.855 6.688 7.588 8.619 65 1.910 3.468 4.556 5.485 6.359 7.247 8.217 9.359 66 2.140 3.813 4.966 5.944 6.895 7.869 8.948 10.239 67 2.393 4.126 5.331 6.406 7.475 8.583 9.823 11.315 68 2.670 4.414 5.660 6.866 8.104 9.415 10.894 12.647 69 2.972 4.700 5.983 7.330 8.785 10.372 12.160 14.258 70 3.294 4.974 6.296 7.794 9.509 11.430 13.619 16.115 X [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT --- ------ ------ ------ ------ ------ ------- ------- ------- 20 0.320 0.331 0.520 0.496 0.496 0.513 0.510 0.515 35 21 0.329 0.346 0.568 0.521 0.533 0.541 0.558 0.564 36 22 0.326 0.347 0.590 0.540 0.561 0.591 0.622 0.643 37 23 0.331 0.357 0.638 0.588 0.623 0.659 0.678 0.714 38 24 0.344 0.376 0.723 0.672 0.721 0.770 0.799 0.846 39 25 0.366 0.404 0.813 0.785 0.848 0.903 0.936 0.989 40 26 0.385 0.431 0.899 0.891 0.943 1.008 1.054 1.111 41 27 0.422 0.478 1.020 1.013 1.071 1.139 1.188 1.239 42 28 0.465 0.528 1.130 1.117 1.167 1.242 1.291 1.356 43 29 0.515 0.590 1.269 1.232 1.280 1.348 1.408 1.485 44 30 0.575 0.659 1.426 1.379 1.420 1.485 1.558 1.657 45 31 0.633 0.723 1.573 1.525 1.561 1.641 1.732 1.862 46 32 0.679 0.778 1.692 1.635 1.674 1.759 1.868 2.007 47 33 0.724 0.832 1.830 1.783 1.856 1.986 2.136 2.311 48 34 0.772 0.885 1.974 1.949 2.073 2.249 2.448 2.677 49 35 0.837 0.956 2.154 2.154 2.306 2.510 2.744 3.019 50 36 0.905 1.035 2.361 2.379 2.561 2.797 3.062 3.354 51 37 0.984 1.128 2.596 2.619 2.817 3.086 3.386 3.695 52 38 1.094 1.255 2.903 2.919 3.114 3.406 3.739 4.024 53 39 1.219 1.394 3.255 3.270 3.491 3.828 4.228 4.545 54 40 1.327 1.521 3.565 3.564 3.804 4.164 4.631 5.047 55 41 1.440 1.652 3.902 3.912 4.171 4.598 5.181 5.757 56 42 1.587 1.827 4.365 4.387 4.678 5.172 5.856 6.561 57 43 1.700 1.979 4.778 4.846 5.219 5.800 6.608 7.477 58 44 1.816 2.133 5.222 5.370 5.840 6.534 7.463 8.533 59 45 1.943 2.300 5.721 5.941 6.529 7.352 8.448 9.612 60 46 2.095 2.491 6.244 6.549 7.269 8.251 9.542 10.851 61 47 2.295 2.710 6.786 7.116 7.926 9.032 10.460 11.789 62 48 2.528 2.959 7.352 7.685 8.568 9.793 11.404 12.857 63 49 2.780 3.230 7.952 8.251 9.183 10.560 12.356 13.965 64 50 3.034 3.515 8.594 8.893 9.966 11.586 13.703 15.593 65 51 3.366 3.894 9.442 9.774 10.975 12.828 15.255 17.370 66 52 3.703 4.278 10.331 10.730 12.102 14.178 16.952 19.363 67 53 4.032 4.666 11.246 11.729 13.290 15.606 18.768 21.503 68 54 4.360 5.066 12.189 12.765 14.523 17.131 20.693 23.686 69 55 4.702 5.488 13.195 13.879 15.865 18.816 22.810 26.005 70 56 5.061 5.944 14.277 15.129 17.397 20.722 25.153 28.768 71 57 5.448 6.442 15.443 16.585 19.217 22.902 27.790 32.071 72 58 5.888 6.990 16.707 18.233 21.293 25.396 30.775 35.433 73 59 6.410 7.599 18.078 20.019 23.592 28.211 34.101 39.364 74 60 7.008 8.276 19.570 22.014 26.152 31.362 37.807 43.706 75 61 7.673 9.016 21.362 24.179 29.015 35.216 42.816 49.700 76 62 8.391 9.836 23.350 26.597 32.225 39.461 48.456 56.728 77 63 9.135 10.700 25.604 29.545 36.289 45.134 56.199 66.473 78 64 9.918 11.622 28.029 32.616 40.468 50.770 63.797 76.339 79 65 10.807 12.674 31.061 36.716 46.110 58.624 74.686 89.804 80 66 11.867 13.911 34.621 41.262 52.107 66.637 85.567 102.707 81 67 13.161 15.429 39.112 47.114 59.900 77.202 100.301 120.653 82 68 14.776 17.287 44.234 53.344 67.716 87.327 114.188 137.342 83 69 16.703 19.503 50.306 60.804 77.193 99.895 132.019 159.576 84 70 18.935 22.049 57.342 69.408 88.122 114.446 153.018 186.720 85
LIFE INSURANCE COMPANY OF VIRGINIA GRADED PREMIUM LIFE FEMALE NONSMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS 1-10 NONREENTRANT MORTALITY YEARS 11+
x [X] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ----- ----- ----- ------ ------ ------ ------ ------ 20 0.320 0.456 0.473 0.475 0.473 0.450 0.458 0.455 21 0.334 0.442 0.463 0.463 0.458 0.437 0.452 0.460 22 0.318 0.425 0.452 0.452 0.447 0.436 0.444 0.452 23 0.311 0.412 0.446 0.446 0.445 0.438 0.446 0.458 24 0.299 0.399 0.433 0.443 0.447 0.444 0.451 0.470 25 0.290 0.384 0.423 0.439 0.453 0.455 0.468 0.494 26 0.277 0.367 0.405 0.425 0.449 0.462 0.482 0.514 27 0.277 0.360 0.398 0.428 0.458 0.483 0.516 0.556 28 0.282 0.364 0.400 0.435 0.471 0.509 0.549 0.606 29 0.290 0.373 0.408 0.449 0.497 0.541 0.598 0.667 30 0.302 0.392 0.432 0.475 0.529 0.591 0.653 0.739 31 0.308 0.410 0.451 0.503 0.563 0.634 0.712 0.802 32 0.310 0.415 0.466 0.523 0.591 0.671 0.761 0.863 33 0.303 0.416 0.475 0.545 0.625 0.712 0.814 0.923 34 0.293 0.417 0.487 0.568 0.660 0.758 0.866 0.985 35 0.293 0.428 0.511 0.608 0.707 0.817 0.932 1.066 36 0.293 0.444 0.542 0.651 0.765 0.881 1.015 1.157 37 0.304 0.466 0.579 0.703 0.828 0.957 1.099 1.257 38 0.326 0.509 0.643 0.779 0.919 1.059 1.215 1.395 39 0.355 0.568 0.715 0.865 1.015 1.173 1.346 1.549 40 0.384 0.619 0.780 0.946 1.103 1.270 1.465 1.686 41 0.411 0.668 0.852 1.027 1.197 1.381 1.586 1.824 42 0.446 0.734 0.934 1.128 1.322 1.524 1.750 2.010 43 0.471 0.780 0.998 1.211 1.422 1.639 1.878 2.156 44 0.496 0.825 1.063 1.296 1.517 1.751 2.007 2.302 45 0.523 0.875 1.131 1.386 1.622 1.872 2.149 2.465 46 0.551 0.925 1.200 1.479 1.743 2.013 2.314 2.655 47 0.578 0.983 1.281 1.586 1.887 2.184 2.505 2.876 48 0.604 1.045 1.375 1.710 2.059 2.391 2.742 3.156 49 0.632 1.113 1.478 1.854 2.247 2.623 3.026 3.482 50 0.659 1.191 1.593 2.007 2.440 2.873 3.327 3.830 51 0.705 1.303 1.758 2.216 2.702 3.198 3.712 4.271 52 0.758 1.427 1.932 2.412 2.971 3.521 4.089 4.704 53 0.815 1.554 2.117 2.668 3.242 3.824 4.439 5.112 54 0.880 1.694 2.309 2.904 3.514 4.120 4.773 5.498 55 0.953 1.850 2.524 3.158 3.801 4.433 5.110 5.888 56 1.041 2.028 2.765 3.448 4.117 4.766 5.486 6.323 57 1.149 2.238 3.048 3.783 4.466 5.158 5.933 6.827 58 1.276 2.493 3.388 4.173 4.897 5.648 6.480 7.431 59 1.427 2.790 3.776 4.629 5.421 6.239 7.132 8.128 60 1.600 3.119 4.207 5.138 6.029 6.912 7.865 8.911 61 1.798 3.473 4.666 5.699 6.686 7.638 8.654 9.771 62 2.022 3.841 5.140 6.300 7.359 8.392 9.487 10.702 63 2.273 4.266 5.672 6.928 8.041 9.145 10.326 11.644 64 2.557 4.770 6.275 7.582 8.748 9.922 11.179 12.611 65 2.874 5.304 6.912 8.257 9.502 10.751 12.106 13.694 66 3.219 5.832 7.534 8.949 10.303 11.673 13.182 14.981 67 3.601 6.310 8.088 9.644 11.170 12.733 14.470 16.556 68 4.017 6.751 8.588 10.336 12.110 13.967 16.048 18.505 69 4.471 7.188 9.077 11.035 13.127 15.386 17.913 20.862 70 4.957 7.607 9.552 11.734 14.209 16.956 20.063 23.580 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT --- ------ ------ ------ ------ ------- ------- ------- ------- 20 0.465 0.478 0.700 0.613 0.575 0.555 0.506 0.486 35 21 0.478 0.499 0.767 0.644 0.620 0.585 0.557 0.540 36 22 0.474 0.502 0.797 0.669 0.654 0.645 0.630 0.627 37 23 0.481 0.516 0.866 0.734 0.735 0.728 0.691 0.698 38 24 0.500 0.543 0.986 0.849 0.862 0.865 0.833 0.845 39 25 0.532 0.583 1.112 1.001 1.026 1.027 0.993 1.014 40 26 0.559 0.623 1.232 1.142 1.145 1.154 1.126 1.143 41 27 0.614 0.690 1.401 1.306 1.308 1.310 1.277 1.288 42 28 0.676 0.763 1.553 1.441 1.423 1.426 1.383 1.397 43 29 0.748 0.852 1.746 1.587 1.559 1.543 1.505 1.528 44 30 0.836 0.952 1.963 1.780 1.732 1.702 1.670 1.721 45 31 0.920 1.044 2.167 1.971 1.905 1.885 1.864 1.923 46 32 0.988 1.124 2.330 2.111 2.039 2.014 2.002 2.085 47 33 1.053 1.202 2.522 2.305 2.268 2.287 2.312 2.412 48 34 1.123 1.278 2.720 2.525 2.543 2.607 2.677 2.827 49 35 1.217 1.380 2.971 2.796 2.838 2.924 3.020 3.222 50 36 1.315 1.494 3.259 3.095 3.163 3.271 3.387 3.585 51 37 1.430 1.629 3.586 3.412 3.487 3.620 3.756 3.957 52 38 1.591 1.813 4.015 3.812 3.863 4.004 4.154 4.340 53 39 1.773 2.013 4.506 4.279 4.343 4.516 4.716 4.910 54 40 1.928 2.197 4.938 4.669 4.735 4.915 5.172 5.456 55 41 2.093 2.386 5.406 5.126 5.191 5.426 5.792 6.228 56 42 2.307 2.639 6.051 5.753 5.830 6.116 6.568 7.153 57 43 2.472 2.859 6.625 6.359 6.512 6.873 7.438 8.162 58 44 2.640 3.081 7.242 7.052 7.299 7.767 8.439 9.334 59 45 2.824 3.323 7.934 7.806 8.172 8.764 9.597 10.597 60 46 3.045 3.597 8.660 8.608 9.108 9.859 10.885 11.984 61 47 3.336 3.914 9.410 9.348 9.925 10.790 11.943 13.019 62 48 3.675 4.274 10.192 10.083 10.712 11.683 13.013 14.199 63 49 4.042 4.666 11.018 10.808 11.452 12.569 11.067 15.414 64 50 4.410 5.077 11.902 11.632 12.408 13.775 15.595 17.210 65 51 4.894 5.624 13.073 12.777 13.658 15.251 17.366 19.171 66 52 5.383 6.179 14.298 14.024 15.063 16.856 19.315 21.384 67 53 5.862 6.739 15.557 15.320 16.538 18.555 21.410 23.760 68 54 6.338 7.317 16.852 16.652 11.058 20.373 23.635 26.187 69 55 6.835 7.927 18.233 11.089 19.716 22.394 26.087 21.766 70 56 7.357 8.585 19.717 19.711 21.632 24.697 28.812 32.037 71 57 7.919 9.305 21.315 21.624 23.946 27.355 31.890 35.533 72 58 8.559 10.097 23.047 23.807 26.613 30.424 35.390 39.519 73 59 9.317 10.977 24.925 26.180 29.581 33.913 39.301 43.945 74 60 10.188 11.954 26.972 28.844 32.905 37.844 43.680 48.837 75 61 11.154 13.023 29.437 31.689 36.547 42.591 49.643 55.912 76 62 12.198 14.208 32.176 34.873 40.642 47.834 56.379 63.896 77 63 13.279 15.456 35.284 38.779 45.873 54.932 65.784 75.411 78 64 14.417 16.787 31.638 42.877 51.297 62.050 75.107 86.752 79 65 15.709 18.307 42.856 48.425 58.756 72.195 88.851 103.355 80 66 17.250 20.093 47.822 54.619 66.760 82.679 102.820 119.593 81 67 19.131 22.286 54.096 62.632 77.247 96.682 122.102 142.053 82 68 21.479 24.970 61.236 71.142 87.756 110.124 140.390 163.313 83 69 24.281 28.170 69.685 81.317 100.504 126.874 164.101 192.342 84 70 27.525 31.849 79.487 93.124 115.374 146.633 192.372 227.897 85
LIFE INSURANCE COMPANY OF VIRGINIA GRADED PREMIUM LIFE FEMALE PREFERRED SMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS 1-10 NONREENTRANT MORTALITY YEARS 11+
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 -- ----- ----- ------ ------ ------ ------ ------ ------ ------ 20 0.367 0.467 0.530 0.535 0.534 0.511 0.521 0.522 0.541 21 0.384 0.462 0.528 0.530 0.526 0.504 0.526 0.543 0.575 22 0.373 0.452 0.525 0.527 0.523 0.513 0.531 0.551 0.591 23 0.371 0.446 0.526 0.528 0.532 0.530 0.550 0.578 0.621 24 0.362 0.439 0.519 0.537 0.549 0.555 0.577 0.614 0.664 25 0.358 0.430 0.519 0.546 0.574 0.589 0.619 0.664 0.723 26 0.348 0.420 0.510 0.545 0.589 0.619 0.656 0.708 0.774 27 0.356 0.424 0.517 0.569 0.622 0.667 0.719 0.779 0.861 28 0.372 0.442 0.539 0.599 0.659 0.719 0.779 0.861 0.960 29 0.395 0.469 0.569 0.636 0.711 0.779 0.861 0.960 1.077 30 0.426 0.510 0.621 0.688 0.771 0.861 0.952 1.077 1.220 31 0.450 0.549 0.662 0.744 0.832 0.937 1.052 1.185 1.358 32 0.465 0.570 0.697 0.783 0.885 1.003 1.139 1.292 1.477 33 0.466 0.581 0.721 0.826 0.948 1.079 1.234 1.398 1.594 34 0.460 0.590 0.749 0.874 1.014 1.163 1.328 1.511 1.714 35 0.466 0.614 0.796 0.947 1.100 1.270 1.448 1.648 1.873 36 0.472 0.645 0.855 1.026 1.205 1.387 1.590 1.804 2.041 37 0.495 0.687 0.926 1.122 1.321 1.520 1.736 1.976 2.229 38 0.539 0.759 1.041 1.260 1.478 1.695 1.934 2.201 2.468 39 0.594 0.858 1.171 1.410 1.646 1.892 2.152 2.434 2.739 40 0.650 0.946 1.289 1.554 1.802 2.057 2.333 2.640 2.968 41 0.704 1.030 1.418 1.701 1.964 2.228 2.515 2.844 3.208 42 0.770 1.140 1.568 1.877 2.161 2.448 2.763 3.120 3.522 43 0.822 1.221 1.682 2.006 2.314 2.623 2.953 3.334 3.743 44 0.871 1.297 1.786 2.139 2.460 2.790 3.144 3.532 3.949 45 0.922 1.371 1.892 2.277 2.619 2.971 3.338 3.734 4.171 46 0.968 1.442 2.000 2.421 2.803 3.169 3.550 3.972 4.441 47 1.012 1.527 2.126 2.584 3.010 3.395 3.795 4.248 4.781 48 1.053 1.617 2.271 2.765 3.243 3.671 4.102 4.581 5.176 49 1.097 1.715 2.422 2.961 3.496 3.976 4.450 4.967 5.592 50 1.140 1.820 2.579 3.165 3.748 4.280 4.808 5.367 5.991 51 1.210 1.968 2.810 3.450 4.080 4.682 5.270 5.877 6.496 52 1.284 2.127 3.049 3.736 4.407 5.063 5.699 6.325 6.977 53 1.363 2.288 3.283 4.012 4.725 5.401 6.045 6.711 7.452 54 1.454 2.451 3.519 4.289 5.028 5.686 6.347 7.078 7.900 55 1.547 2.631 3.779 4.581 5.314 5.973 6.665 7.432 8.349 56 1.661 2.833 4.065 4.886 5.621 6.297 7.015 7.822 8.803 57 1.800 3.070 4.378 5.235 5.981 6.683 7.435 8.273 9.278 58 1.962 3.340 4.752 5.664 6.429 7.171 7.955 8.817 9.814 59 2.145 3.651 5.194 6.159 6.975 7.759 8.573 9.439 10.451 60 2.349 4.003 5.674 6.700 7.598 8.418 9.252 10.123 11.174 61 2.589 4.370 6.168 7.280 8.251 9.103 9.959 10.854 11.955 62 2.854 4.735 6.655 7.880 8.888 9.784 10.675 11.617 12.770 63 3.144 5.153 7.192 8.480 9.500 10.426 11.354 12.346 13.571 64 3.464 5.641 7.786 9.079 10.107 11.054 12.007 13.054 14.374 65 3.813 6.139 8.391 9.668 10.727 11.700 12.693 13.829 15.271 66 4.180 6.603 8.942 10.239 11.361 12.401 13.484 14.751 16.340 67 4.574 6.986 9.382 10.779 12.025 13.196 14.432 15.883 17.765 68 4.989 7.304 9.730 11.278 12.718 14.114 15.596 17.403 19.541 69 5.426 7.597 10.040 11.746 13.441 15.149 17.066 19.223 21.638 70 5.876 7.848 10.306 12.178 14.177 16.367 18.728 21.283 24.014 X [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT -- ------ ------ ------ ------- ------- ------- ------- 20 0.568 0.838 0.891 0.877 0.962 1.012 1.042 35 21 0.614 0.954 0.963 0.966 1.034 1.123 1.158 36 22 0.639 1.024 1.024 1.038 1.149 1.272 1.339 37 23 0.677 1.144 1.139 1.179 1.306 1.408 1.506 38 24 0.728 1.338 1.326 1.397 1.556 1.687 1.827 39 25 0.797 1.538 1.578 1.679 1.859 2.010 2.167 40 26 0.862 1.734 1.818 1.897 2.107 2.296 2.465 41 27 0.968 2.005 2.099 2.191 2.416 2.624 2.794 42 28 1.085 2.253 2.345 2.415 2.666 2.874 3.061 43 29 1.228 2.567 2.617 2.681 2.914 3.158 3.378 44 30 1.388 2.927 2.970 3.002 3.240 3.525 3.812 45 31 1.542 3.275 3.312 3.329 3.612 3.938 4.238 46 32 1.680 3.549 3.580 3.594 3.883 4.227 4.581 47 33 1.813 3.876 3.937 4.011 4.377 4.825 5.259 48 34 1.943 4.218 4.327 4.475 4.953 5.522 6.070 49 35 2.115 4.630 4.768 4.972 5.519 6.175 6.823 50 36 2.299 5.064 5.250 5.515 6.137 6.873 7.571 51 37 2.496 5.557 5.760 6.053 6.754 7.547 8.186 52 38 2.767 6.206 6.402 6.678 7.403 8.237 8.860 53 39 3.060 6.947 7.151 7.443 8.235 9.210 9.885 54 40 3.326 7.592 7.736 8.016 8.850 9.968 10.789 55 41 3.597 8.247 8.389 8.679 9.650 10.966 12.096 56 42 3.947 9.124 9.294 9.623 10.684 12.198 13.542 57 43 4.222 9.868 10.142 10.564 11.789 13.540 15.253 58 44 4.493 10.653 11.050 11.635 13.070 15.042 16.909 59 45 4.785 11.473 12.019 12.795 14.466 16.667 18.715 60 46 5.092 12.307 13.018 14.002 15.886 18.411 20.726 61 47 5.444 13.132 13.887 14.912 16.981 19.806 22.206 62 48 5.839 13.960 14.646 15.720 18.047 21.172 23.594 63 49 6.260 14.736 15.342 16.492 19.060 22.468 25.103 64 50 6.656 15.530 16.206 17.524 20.483 24.411 27.446 65 51 7.199 16.723 17.458 18.907 22.220 26.625 30.098 66 52 7.757 17.922 18.781 20.426 24.054 28.974 32.826 67 53 8.294 19.095 20.105 21.962 25.915 31.402 35.645 68 54 8.825 20.245 21.413 23.471 27.835 33.874 38.371 69 55 9.366 21.428 22.773 25.071 29.906 36.509 41.151 70 56 9.933 22.657 24.280 26.891 32.208 39.352 44.439 71 57 10.535 23.941 26.034 29.073 34.809 42.480 48.337 72 58 11.184 25.291 27.985 31.537 37.739 45.939 52.071 73 59 11.889 26.707 30.032 34.190 40.966 49.680 56.369 74 60 12.652 28.210 32.264 37.066 44.483 53.722 61.359 75 61 13.464 30.052 34.570 40.117 48.711 59.708 68.740 76 62 14.339 32.043 37.079 43.436 53.549 66.276 76.853 77 63 15.218 34.262 40.143 48.014 60.109 75.448 88.627 78 64 16.116 36.576 43.466 52.543 66.339 84.005 99.078 79 65 17.124 39.828 48.008 58.847 75.256 96.603 114.563 80 66 18.425 43.623 52.929 65.326 83.972 108.620 128.672 81 67 20.023 48.433 59.272 73.771 95.518 125.014 148.317 82 68 21.974 53.753 65.744 81.752 105.832 139.389 164.807 83 69 24.270 59.916 73.349 91.237 118.457 157.649 187.601 84 70 26.850 66.918 81.913 101.920 132.679 178.566 214.854 85
LIFE INSURANCE COMPANY OF VIRGINIA GRADED PREMIUM LIFE FEMALE SMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS 1-10 NONREENTRANT MORTALITY YEARS 11+
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 -- ----- ------ ------ ------ ------ ------ ------ ------ ------ 20 0.384 0.787 0.821 0.829 0.827 0.791 0.808 0.809 0.839 21 0.623 0.778 0.818 0.821 0.815 0.781 0.815 0.842 0.891 22 0.605 0.762 0.813 0.816 0.810 0.796 0.823 0.853 0.916 23 0.602 0.752 0.815 0.819 0.824 0.822 0.853 0.896 0.962 24 0.588 0.739 0.805 0.832 0.850 0.861 0.895 0.951 1.029 25 0.581 0.724 0.805 0.846 0.889 0.913 0.960 1.029 1.120 26 0.564 0.707 0.791 0.845 0.913 0.960 1.017 1.097 1.199 27 0.577 0.714 0.802 0.882 0.964 1.033 1.114 1.207 1.334 28 0.603 0.745 0.836 0.929 1.022 1.114 1.207 1.334 1.488 29 0.640 0.790 0.882 0.986 1.102 1.207 1.334 1.488 1.670 30 0.691 0.859 0.963 1.067 1.195 1.334 1.476 1.670 1.890 31 0.730 0.925 1.027 1.152 1.289 1.452 1.631 1.836 2.105 32 0.755 0.960 1.081 1.213 1.371 1.555 1.765 2.002 2.289 33 0.756 0.979 1.118 1.281 1.470 1.673 1.912 2.167 2.471 34 0.746 0.994 1.161 1.354 1.571 1.803 2.059 2.341 2.657 35 0.755 1.035 1.234 1.468 1.706 1.968 2.245 2.554 2.903 36 0.765 1.086 1.326 1.590 1.868 2.150 2.465 2.796 3.164 37 0.803 1.157 1.435 1.739 2.047 2.355 2.691 3.062 3.454 38 0.874 1.279 1.614 1.952 2.292 2.627 2.998 3.411 3.826 39 0.964 1.446 1.815 2.185 2.552 2.933 3.336 3.772 4.246 40 1.055 1.594 1.999 2.409 2.794 3.188 3.616 4.092 4.601 41 1.142 1.736 2.199 2.636 3.044 3.453 3.898 4.408 4.972 42 1.250 1.921 2.430 2.909 3.349 3.794 4.283 4.836 5.460 43 1.333 2.058 2.607 3.110 3.587 4.065 4.577 5.168 5.802 44 1.413 2.186 2.768 3.315 3.814 4.325 4.872 5.474 6.121 45 1.496 2.310 2.933 3.529 4.059 4.605 5.174 5.788 6.465 46 1.570 2.430 3.100 3.753 4.345 4.911 5.503 6.156 6.884 47 1.641 2.572 3.295 4.006 4.665 5.262 5.883 6.585 7.410 48 1.709 2.725 3.521 4.285 5.027 5.690 6.358 7.101 8.023 49 1.780 2.890 3.755 4.589 5.418 6.162 6.897 7.699 8.667 50 1.848 3.067 3.997 4.905 5.809 6.634 7.453 8.319 9.287 51 1.962 3.315 4.355 5.347 6.323 7.258 8.168 9.109 10.069 52 2.082 3.583 4.726 5.790 6.831 7.848 8.834 9.803 10.815 53 2.211 3.855 5.089 6.218 7.324 8.371 9.370 10.402 11.550 54 2.358 4.130 5.454 6.648 7.794 8.813 9.838 10.971 12.245 55 2.510 4.433 5.857 7.101 8.237 9.258 10.331 11.520 12.940 56 2.694 4.773 6.301 7.574 8.712 9.761 10.874 12.123 13.644 57 2.920 5.172 6.786 8.114 9.270 10.358 11.524 12.823 14.381 58 3.183 5.627 7.366 8.779 9.965 11.115 12.330 13.667 15.211 59 3.480 6.151 8.051 9.546 10.811 12.027 13.289 14.630 16.200 60 3.809 6.744 8.795 10.385 11.776 13.048 14.340 15.691 17.319 61 4.199 7.363 9.560 11.284 12.790 14.109 15.437 16.824 18.530 62 4.630 7.978 10.315 12.213 13.776 15.166 16.547 18.006 19.794 63 5.100 8.681 11.147 13.144 14.725 16.161 17.599 19.137 21.035 64 5.618 9.504 12.068 14.073 15.666 17.134 18.611 20.234 22.280 65 6.185 10.343 13.005 14.985 16.627 18.135 19.675 21.435 23.671 66 6.780 11.124 13.861 15.871 17.610 19.221 20.901 22.864 25.327 67 7.419 11.770 14.541 16.707 18.638 20.454 22.370 24.619 27.536 68 8.092 12.306 15.081 17.481 19.713 21.876 24.173 26.975 30.289 69 8.802 12.799 15.562 18.207 20.834 23.481 26.452 29.796 33.539 70 9.531 13.222 15.975 18.875 21.974 25.369 29.028 32.988 37.222 X [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT -- ------ ------ ------- ------- ------- ------- ------- 20 0.880 1.170 1.096 1.066 1.069 1.006 0.984 35 21 0.952 1.339 1.186 1.181 1.148 1.125 1.109 36 22 0.991 1.440 1.265 1.272 1.289 1.297 1.310 37 23 1.049 1.619 1.426 1.461 1.485 1.447 1.481 38 24 1.129 1.911 1.694 1.758 1.805 1.782 1.844 39 25 1.235 2.207 2.046 2.137 2.187 2.164 2.247 40 26 1.337 2.500 2.381 2.426 2.494 2.491 2.568 41 27 1.500 2.899 2.771 2.817 2.877 2.870 2.923 42 28 1.682 3.263 3.099 3.101 3.168 3.130 3.193 43 29 1.903 3.721 3.454 3.438 3.451 3.430 3.518 44 30 2.151 4.248 3.930 3.855 3.841 3.843 3.983 45 31 2.390 4.757 4.392 4.278 4.292 4.312 4.471 46 32 2.604 5.154 4.737 4.610 4.599 4.607 4.785 47 33 2.810 5.633 5.223 5.160 5.219 5.318 5.524 48 34 3.012 6.134 5.756 5.780 5.948 6.160 6.512 49 35 3.278 6.739 6.364 6.445 6.661 6.940 7.343 50 36 3.564 7.379 7.034 7.173 7.443 7.767 8.174 51 37 3.869 8.106 7.738 7.891 8.218 8.556 8.914 52 38 4.289 9.068 8.630 8.724 9.031 9.354 9.657 53 39 4.744 10.168 9.675 9.753 10.083 10.510 10.873 54 40 5.155 11.122 10.481 10.512 10.843 11.389 11.791 55 41 5.575 12.088 11.369 11.380 11.824 12.545 13.231 56 42 6.118 13.384 12.617 12.636 13.119 14.007 14.933 57 43 6.544 14.480 13.781 13.889 14.514 15.615 16.859 58 44 6.964 15.635 15.033 15.324 16.145 17.438 18.848 59 45 7.417 16.842 16.366 16.878 17.928 19.428 21.045 60 46 7.892 18.066 17.735 18.491 19.740 21.566 23.350 61 47 8.439 19.272 18.903 19.683 21.098 23.227 25.033 62 48 9.050 20.477 19.898 20.716 22.389 24.811 26.582 63 49 9.703 21.602 20.788 21.679 23.582 26.259 28.264 64 50 10.317 22.749 21.904 22.997 25.314 28.517 30.903 65 51 11.158 24.484 23.578 24.802 27.459 31.115 33.688 66 52 12.024 26.224 25.355 26.801 29.727 33.896 36.765 67 53 12.856 27.920 27.114 28.810 32.030 36.789 39.949 68 54 13.679 29.577 28.820 30.764 34.412 39.740 43.309 69 55 14.517 31.278 30.600 32.843 37.003 42.898 46.474 70 56 15.396 33.043 32.605 35.246 39.915 46.325 50.217 71 57 16.330 34.885 34.999 38.189 43.248 50.119 54.685 72 58 17.335 36.822 37.704 41.556 47.050 54.345 59.308 73 59 18.428 38.853 40.560 45.204 51.278 58.937 64.270 74 60 19.610 41.012 43.703 49.183 55.925 63.936 70.451 75 61 20.869 43.684 46.841 53.291 61.403 71.369 79.035 76 62 22.225 46.573 50.266 57.778 67.683 79.564 88.479 77 63 23.587 49.803 54.500 64.023 76.334 91.261 102.823 78 64 24.979 53.195 59.147 70.271 84.667 102.358 116.377 79 65 26.542 58.005 65.654 79.156 96.938 119.319 136.277 80 66 28.559 63.643 72.786 88.409 109.177 135.968 154.838 81 67 31.035 70.801 82.038 100.589 125.662 159.287 182.079 82 68 34.060 78.688 91.423 112.117 140.492 180.059 205.989 83 69 37.619 87.794 102.399 125.825 158.719 206.774 237.399 84 70 41.618 98.157 114.866 141.498 179.805 238.760 277.116 85
EXPECTED MORTALITY ASSUMPTIONS (1000 qx) DOMINION LIFE 881 MEDICAL UNPROJECTED FEMALE SMOKER
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 -- ------ ------ ------ ------ ------ ------ ------ ------ ------ 18 0.391 0.440 0.482 0.846 0.894 0.892 0.884 0.885 0.887 19 0.381 0.434 0.805 0.821 0.851 0.847 0.847 0.847 0.858 20 0.362 0.709 0.780 0.787 0.807 0.791 0.808 0.809 0.839 21 0.589 0.700 0.777 0.780 0.795 0.781 0.815 0.842 0.891 22 0.572 0.685 0.772 0.775 0.790 0.796 0.823 0.853 0.916 23 0.569 0.677 0.774 0.778 0.804 0.822 0.853 0.896 0.962 24 0.555 0.665 0.765 0.790 0.829 0.861 0.895 0.951 1.029 25 0.549 0.651 0.765 0.803 0.867 0.913 0.960 1.029 1.120 26 0.533 0.636 0.751 0.803 0.890 0.960 1.017 1.097 1.199 27 0.545 0.643 0.762 0.838 0.940 1.033 1.114 1.207 1.334 28 0.569 0.671 0.794 0.882 0.996 1.114 1.207 1.334 1.488 29 0.605 0.711 0.838 0.937 1.075 1.207 1.334 1.488 1.670 30 0.652 0.773 0.915 1.014 1.165 1.334 1.476 1.670 1.890 31 0.690 0.832 0.975 1.095 1.257 1.452 1.631 1.836 2.105 32 0.713 0.864 1.027 1.153 1.337 1.555 1.765 2.002 2.289 33 0.714 0.881 1.062 1.217 1.433 1.673 1.912 2.167 2.471 34 0.704 0.894 1.103 1.286 1.532 1.803 2.059 2.341 2.657 35 0.713 0.932 1.172 1.395 1.663 1.968 2.245 2.554 2.903 36 0.723 0.978 1.259 1.510 1.821 2.150 2.465 2.796 3.164 37 0.758 1.041 1.364 1.652 1.996 2.355 2.691 3.062 3.454 38 0.825 1.152 1.533 1.855 2.234 2.627 2.998 3.411 3.826 39 0.911 1.301 1.724 2.076 2.488 2.933 3.336 3.772 4.246 40 0.996 1.435 1.899 2.289 2.724 3.188 3.616 4.092 4.601 41 1.079 1.562 2.089 2.505 2.968 3.453 3.898 4.408 4.972 42 1.180 1.729 2.308 2.763 3.265 3.794 4.283 4.836 5.460 43 1.259 1.852 2.477 2.954 3.497 4.065 4.577 5.168 5.802 44 1.334 1.967 2.630 3.149 3.718 4.325 4.872 5.474 6.121 45 1.413 2.079 2.787 3.353 3.958 4.605 5.174 5.788 6.465 46 1.483 2.187 2.945 3.565 4.236 4.911 5.503 6.156 6.884 47 1.550 2.315 3.130 3.806 4.548 5.262 5.883 6.585 7.410 48 1.614 2.452 3.344 4.071 4.902 5.690 6.358 7.101 8.023 49 1.681 2.601 3.567 4.360 5.283 6.162 6.897 7.699 8.667 50 1.746 2.760 3.798 4.660 5.664 6.634 7.453 8.319 9.287 51 1.853 2.983 4.137 5.080 6.165 7.258 8.168 9.109 10.069 52 1.966 3.225 4.489 5.501 6.660 7.848 8.834 9.803 10.815 53 2.088 3.470 4.843 5.907 7.141 8.371 9.370 10.402 11.550 54 2.227 3.717 5.182 6.316 7.599 8.813 9.838 10.971 12.245 55 2.370 3.989 5.564 6.746 8.031 9.258 10.331 11.520 12.940 56 2.545 4.296 5.986 7.195 8.494 9.761 10.874 12.123 13.644 57 2.757 4.655 6.447 7.708 9.038 10.358 11.524 12.823 14.381 58 3.006 5.065 6.997 8.340 9.716 11.115 12.330 13.667 15.211 59 3.287 5.536 7.648 9.069 10.541 12.027 13.289 14.630 16.200 60 3.598 6.070 8.355 9.866 11.482 13.048 14.340 15.691 17.319 61 3.966 6.626 9.082 10.719 12.470 14.109 15.437 16.824 18.530 62 4.373 7.180 9.799 11.603 13.432 15.166 16.547 18.006 19.794 63 4.816 7.813 10.590 12.487 14.357 16.161 17.599 19.137 21.035 64 5.306 8.554 11.465 13.369 15.274 17.134 18.611 20.234 22.280 65 5.841 9.309 12.355 14.236 16.211 18.135 19.675 21.435 23.671 66 6.403 10.012 13.168 15.077 17.170 19.221 20.901 22.864 25.327 67 7.007 10.593 13.814 15.871 18.173 20.454 22.370 24.619 27.536 68 7.643 11.076 14.327 16.607 19.220 21.876 24.173 26.975 30.289 69 8.313 11.519 14.784 17.296 20.313 23.481 26.452 29.796 33.539 70 9.002 11.900 15.176 17.932 21.425 25.369 29.028 32.988 37.222 71 9.642 12.727 16.205 19.108 22.932 27.132 31.014 35.223 39.718 72 10.313 13.589 17.267 20.458 24.533 28.995 33.123 37.591 42.361 73 10.996 14.463 18.464 21.855 26.180 30.922 35.294 40.029 45.059 74 11.515 15.214 19.403 22.943 27.468 32.422 36.981 41.898 47.131 75 11.896 15.702 20.007 23.645 28.287 33.361 38.014 43.044 48.386 76 12.139 16.006 20.383 24.073 28.776 33.906 38.611 43.685 49.058 77 12.364 16.292 20.734 24.469 29.219 34.406 39.151 44.255 49.661 78 12.842 16.911 21.506 25.353 30.255 35.601 40.472 45.714 51.259 79 13.646 17.956 22.811 26.874 32.047 37.674 42.797 48.302 54.121 80 14.425 18.961 24.072 28.340 33.763 39.661 45.019 50.773 57.324 x [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT -- ------ ------ ------ ------- ------- ------- ------- 18 0.890 0.874 0.918 0.963 1.007 1.031 1.014 33 19 0.880 0.873 0.936 0.989 1.038 1.067 1.094 34 20 0.880 0.883 0.954 1.004 1.068 1.119 1.158 35 21 0.952 0.974 1.029 1.088 1.151 1.224 1.275 36 22 0.991 1.029 1.082 1.158 1.244 1.342 1.424 37 23 1.049 1.102 1.158 1.255 1.362 1.461 1.575 38 24 1.129 1.212 1.273 1.400 1.534 1.655 1.790 39 25 1.235 1.336 1.439 1.595 1.755 1.888 2.043 40 26 1.337 1.459 1.603 1.765 1.951 2.117 2.272 41 27 1.500 1.641 1.801 1.987 2.193 2.375 2.520 42 28 1.682 1.829 2.006 2.207 2.437 2.625 2.801 43 29 1.903 2.067 2.248 2.462 2.689 2.901 3.114 44 30 2.151 2.332 2.527 2.738 2.979 3.211 3.463 45 31 2.390 2.588 2.796 3.027 3.295 3.547 3.822 46 32 2.604 2.811 3.045 3.298 3.581 3.849 4.161 47 33 2.810 3.053 3.320 3.323 3.948 4.274 4.642 48 34 3.012 3.301 3.609 3.966 4.360 4.743 5.210 49 35 3.278 3.593 3.926 4.329 4.771 5.199 5.737 50 36 3.564 3.894 4.264 4.718 5.215 5.697 6.240 5l 37 3.869 4.227 4.629 5.119 5.672 6.200 6.702 52 38 4.289 4.652 5.075 5.584 6.160 6.731 7.207 53 39 4.744 5.135 5.589 6.129 6.756 7.419 7.936 54 40 5.155 5.558 6.014 6.574 7.243 7.998 8.607 55 41 5.575 6.012 6.515 7.131 7.894 8.759 9.587 56 42 6.118 6.603 7.169 7.846 8.666 9.633 10.666 57 43 6.544 7.119 7.793 8.557 9.468 10.553 11.790 58 44 6.964 7.669 8.452 9.338 10.360 11.539 12.909 59 45 7.417 8.243 9.160 10.188 11.323 12.569 14.030 60 46 7.892 8.843 9.904 11.084 12.308 13.672 15.262 61 47 8.439 9.461 10.604 11.840 13.157 14.643 16.255 62 48 9.050 10.101 11.269 12.592 14.058 15.670 17.374 63 49 9.703 10.729 11.934 13.382 14.985 16.739 18.595 64 50 10.317 11.385 12.731 14.345 16.162 18.188 20.331 65 51 11.158 12.313 13.760 15.506 17.528 19.784 22.163 66 52 12.024 13.268 14.827 16.736 18.957 21.428 24.029 67 53 12.856 14.228 15.940 18.015 20.398 23.087 25.941 68 54 13.679 15.202 17.105 19.327 21.86_ __.760 27.762 69 55 14.517 16.222 18.308 20.697 23.4__ __.516 29.601 70 56 15.396 17.285 19.563 22.138 25.___ 28.371 31.783 71 57 16.330 18.406 20.888 23.675 26.__8 30.370 34.178 72 58 17.335 19.584 22.266 25.281 28.661 32.531 36.610 73 59 18.428 20.823 23.676 26.952 30.649 34.829 39.189 74 60 19.610 22.124 25.152 28.696 32.735 37.252 42.187 75 61 20.869 23.599 26.921 30.896 35.477 40.790 46.491 76 62 22.225 25.181 28.822 33.249 38.602 44.603 51.144 77 63 23.587 26.907 31.039 36.334 42.569 49.550 57.443 78 64 24.979 28.594 33.325 39.223 46.149 53.924 62.907 79 65 26.542 30.760 36.125 42.801 50.708 59.612 69.886 80 66 28.559 33.169 39.012 46.282 54._93 64.628 75.531 81 67 31.035 36.175 42.651 50.679 60.204 71.082 83.141 82 68 34.060 39.634 46.525 55.008 65.074 76.759 89.560 83 69 37.619 43.787 51.235 60.315 71.168 84.001 98.506 84 70 4_.618 48.427 56.396 65.057 77.647 9l.626 108.249 85 71 44.379 51.963 60.869 71.657 84.590 100.218 117.765 86 72 47.277 55.924 66.089 78.380 93.154 110.739 129.905 87 73 50.256 60.050 71.550 85.477 102.210 121.053 143.927 88 74 52.534 63.151 75.540 90.762 108.867 129.651 154.748 89 75 53.875 65.177 78.468 94.543 114.169 136.498 163.471 90 76 54.586 65.985 79.379 96.374 116.131 138.833 166.231 91 77 55.214 66.695 80.845 98.119 117.996 141.036 168.840 92 78 56.948 69.315 83.990 101.897 122.068 145.927 176.230 93 79 60.586 73.716 89.289 108.270 128.979 155.594 188.067 94 80 64.148 78.021 94.456 113.866 136.873 165.268 199.876 95 219.864 96 241.850 97 266.035 98 292.639 99
AMENDMENT NO. IV To the Reinsurance Agreement Between the LIFE INSURANCE COMPANY OF VIRGINIA And NORTH AMERICAN REASSURANCE COMPANY Except as hereinafter specified, all terms and conditions of the Reinsurance Agreement effective the 1st day of June, 1984, amendments and addenda attached thereto, shall apply, and this Amendment is to be attached to and made a part of the aforesaid Agreement. It is mutually agreed that effective the 1st day of January, 1994, EXHIBIT D, Corporate Retention Limits of the Ceding Company, EXHIBIT E, Jumbo Risk, and EXHIBIT G, Automatic Binding Limits to the Reinsurance Pool, are revised as attached. IN WITNESS WHEREOF, the Company and North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. LIFE INSURANCE COMPANY OF VIRGINIA By: /s/ Illegible Attest: /s/ Illegible ---------------------------------- ------------------------------- Title: zd V.P. Title: Illegible Date: Jan 12, 1994 Date: Jan 12, 1994 NORTH AMERICAN REASSURANCE COMPANY By: /s/ Illegible Attest: /s/ Illegible ---------------------------------- ------------------------------- Title: Exec, Vice-President Title: asst V P Date: 1/14/94 Date: 1/14/94 - 1 - CORPORATE RETENTION LIMITS OF THE CEDING COMPANY LIFE AGES AMOUNT ---- ---------- 0-75 $1,000,000 WAIVER OF PREMIUM DISABILITY An amount equal to that attaching to the face amount of Life coverage retained EXHIBIT D JUMBO RISK AGES AMOUNT ---- ----------- 0-75 $15,000,000 EXHIBIT E AUTOMATIC BINDING LIMITS TO THE REINSURANCE POOL Life Total LOV Auto Pool NARE Share Ages Retention Coverage of Auto Cover ----- ---------- ---------- ------------- 0-70 $1,000,000 $9,000,000 $1,800,000 71-75 1,000,000 6,500,000 1,300,000 Waiver of Premium Disability An amount equal to that attaching to the face amount of Life coverage automatically reinsured. The total WPD that can be reinsured is $3,000,000. EXHIBIT G Memorandum Addendum No. IX to the Automatic Reinsurance Agreement effective June 1, 1984 between the Life Insurance Company of Virginia and North American Reassurance Company. Effective July 1, 1993, Memorandum Addendum No. VI and Memorandum Addendum No. VII to the above referenced Agreement shall be replaced by the following: Effective July 1, 1993, reinsurance generated on the Graded Premium Life plan (TLevel 10) and the 15 Year Graded Premium Life plan (TLevel 15) shall be ceded under the above referenced Reinsurance Agreement subject to the same terms and conditions of the Agreement except as provided below: 1. Plan of Reinsurance: A. Reinsurance of Life risks shall be on the risk premium basis. The risk amount on the policy reinsured shall be calculated monthly and shall be equal to the death benefit less the cash value. At the time of issue, the Ceding Company shall cede to North American Re the portion of the initial risk amount in excess of its retention. Thereafter, the Ceding Company and North American Re shall keep the same proportionate shares of the risk amount developed each month. 2. Reinsurance Administration: A. Reinsurance shall be ceded using a bordereau format in accordance with the suggested reporting details for Universal Life products as indicated in Exhibit C of the basic Agreement. 3. Reinsurance Premiums: A. Life Premiums i) Until further notice, reinsurance premiums shall be developed as described in the Exhibit B attached to this Memorandum Addendum. North American Re guarantees that premium rates for a given attained age, rating, and duration shall not exceed the higher of the rate shown in the attached schedule (Exhibit B) for that age, rating, and duration or the one year term rate on the appropriate multiple of the applicable 1980 CSO table at the maximum statutory valuation rate approved in New York state. ii) Reinsurance premiums are annual premiums payable at the end of the month in which they become due. - 1 - 4. Premium Tax Reimbursement: A. The reinsurance premiums for these plans of insurance have been calculated to reflect the Ceding Company's premium tax liability. North American Re shall not make any additional reimbursement for premium taxes. 5. Percentage of Participation: A. North American Re's percentage of participation shall be equal to 20% of 100%. IN WITNESS WHEREOF, the Company and North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. THE LIFE INSURANCE COMPANY OF VIRGINIA By /s/ Illegible , zd V.P. --------------------- Authorized Officer Title Attest: By /s/ Illegible , Illegible ------------------------- Authorized Officer Title Date: 9/8/93 NORTH AMERICAN REASSURANCE COMPANY By /s/ Illegible , Sr. Vice-President --------------------- Authorized Officer Title Attest: By /s/ Illegible , asst V P ------------------------- Authorized Officer Title Date: 9/10/93 - 2 - 6/30/93 TLevel 15 MALE SMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 -- ---- ------ ------ ------ ------ ------ ------ ------ 20 0.732 1.359 1.469 1.462 1.476 1.423 1.425 1.409 21 1.060 1.257 1.396 1.402 1.426 1.396 1.462 1.497 22 0.941 1.128 1.272 1.275 1.294 1.309 1.342 1.389 23 0.847 1.009 1.153 1.153 1.196 1.212 1.256 1.322 24 0.747 0.894 1.023 1.061 1.103 1.144 1.190 1.260 25 0.679 0.803 0.946 0.985 1.062 1.120 1.172 1.248 26 0.640 0.768 0.898 0.958 1.064 1.143 1.204 1.294 27 0.639 0.747 0.884 0.973 1.087 1.188 1.277 1.385 28 0.653 0.768 0.911 1.007 1.130 1.261 1.367 1.507 29 0.693 0.816 0.957 1.063 1.216 1.367 1.507 1.675 30 0.738 0.871 1.024 1.132 1.302 1.487 1.640 1.852 31 0.768 0.922 1.077 1.211 1.386 1.596 1.790 2.015 32 0.794 0.958 1.141 1.277 1.476 1.715 1.947 2.201 33 0.797 0.984 1.183 1.351 1.589 1.854 2.114 2.396 34 0.779 0.987 1.214 1.413 1.683 1.974 2.255 2.566 35 0.790 1.027 1.291 1.536 1.826 2.162 2.467 2.813 36 0.812 1.097 1.413 1.689 2.038 2.407 2.764 3.139 37 0.867 1.190 1.554 1.883 2.276 2.691 3.078 3.505 38 0.943 1.312 1.747 2.115 2.553 3.004 3.432 3.920 39 1.038 1.483 1.966 2.373 2.846 3.358 3.833 4.348 40 1.157 1.668 2.211 2.669 3.178 3.734 4.248 4.816 41 1.279 1.855 2.483 2.980 3.544 4.136 4.679 5.301 42 1.402 2.056 2.746 3.300 3.911 4.554 5.150 5.829 43 1.526 2.247 3.017 3.610 4.281 4.987 5.628 6.348 44 1.652 2.445 3.278 3.934 4.654 5.426 6.108 6.858 45 1.793 2.646 3.553 4.284 5.069 5.893 6.618 7.398 46 1.927 2.849 3.843 4.663 5.536 6.415 7.183 8.026 47 2.063 3.086 4.183 5.082 6.070 7.019 7.837 8.751 48 2.200 3.350 4.565 5.554 6.683 7.748 8.638 9.631 49 2.349 3.630 4.977 6.079 7.357 8.562 9.568 10.655 50 2.494 3.940 5.419 6.640 8.053 9.417 10.554 11.744 51 2.646 4.257 5.896 7.222 8.751 10.277 11.531 12.834 52 2.806 4.596 6.382 7.808 9.432 11.079 12.446 13.807 53 2.976 4.933 6.862 8.365 10.080 11.795 13.197 14.658 54 3.167 5.276 7.337 8.916 10.707 12.412 13.864 15.455 55 3.364 5.649 7.855 9.504 11.312 13.046 14.553 16.229 56 3.603 6.064 8.434 10.134 11.970 13:750 15.319 17.095 57 3.893 6.559 9.080 10.862 12.732 14.593 16.249 18.088 58 4.236 7.133 9.861 11.748 13.688 15.673 17.393 19.276 59 4.629 7.802 10.774 12.776 14.863 16.966 18.743 20.634 60 5.070 8.550 11.771 13.912 16.197 18.403 20.225 22.141 61 5.587 9.335 12.806 15.121 17.588 19.899 21.783 23.737 62 6.160 10.125 13.824 16.365 18.944 21.400 23.346 25.413 63 6.791 11.021 14.936 17.611 20.259 22.802 24.838 27.043 64 7.485 12.064 16.170 18.865 21.550 24.182 26.301 28.632 65 8.239 13.129 17.434 20.086 22.880 25.628 27.841 30.410 X [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT -- ------ ------ ------ ------ ------ ------ ------ ------ 20 1.424 1.466 1.445 1.527 1.568 1.630 1.677 2.630 35 21 1.581 1.693 1.669 1.696 1.724 1.756 1.786 2.810 36 22 1.493 1.607 1.613 1.641 1.702 1.762 1.825 3.040 37 23 1.412 1.531 1.574 1.624 1.719 1.819 1.901 3.300 38 24 1.355 1.482 1.576 1.632 1.765 1.906 2.027 3.600 39 25 1.355 1.496 1.607 1.717 1.891 2.069 2.207 3.940 40 26 1.417 1.575 1.712 1.876 2.063 2.271 2.462 4.340 41 27 1.527 1.711 1.876 2.065 2.280 2.526 2.748 4.750 42 28 1.675 1.891 2.067 2.273 2.515 2.795 3.037 5.220 43 29 1.877 2.139 2.329 2.547 2.807 3.091 3.360 5.710 44 30 2.097 2.380 2.598 2.838 3.106 3.411 3.711 6.270 45 31 2.303 2.615 2.859 3.123 3.418 3.761 4.109 6.830 46 32 2.518 2.865 3.134 3.438 3.771 4.163 4.547 7.440 47 33 2.734 3.115 3.423 3.767 4.174 4.615 5.066 8.080 48 34 2.918 3.311 3.677 4.087 4.564 5.093 5.627 8.800 49 35 3.200 3.616 4.040 4.497 5.048 5.664 6.287 9.560 50 36 3.555 4.020 4.474 4.988 5.618 6.327 7.022 10.440 51 37 3.970 4.460 4.960 5.531 6.232 7.015 7.794 11.420 52 38 4.410 4.954 5.487 6.118 6.859 7.718 8.604 12.540 53 39 4.904 5.489 6.071 6.731 7.526 8.459 9.471 13.800 54 40 5.427 6.094 6.693 7.384 8.232 9.247 10.403 15.140 55 41 5.994 6.715 7.358 8.102 9.009 10.124 11.415 16.590 56 42 6.576 7.364 8.075 8.905 9.890 11.097 12.525 18.090 57 43 7.124 8.031 8.842 9.789 10.880 12.180 13.727 19.690 58 44 7.664 8.709 9.666 10.747 11.971 13.381 15.034 21.350 59 45 8.254 9.446 10.555 11.784 13.158 14.700 16.429 23.190 60 46 8.954 10.249 11.498 12.883 14.441 16.087 17.945 25.260 61 47 9.833 11.170 12.530 14.068 15.760 17.587 19.638 27.590 62 48 10.856 12.208 13.650 15.279 17.147 19.208 21.493 30.230 63 49 11.957 13.360 14.823 16.561 18.634 20.949 23.512 33.140 64 50 13.085 14.530 16.044 17.934 20.210 22.790 25.657 36.290 65 51 14.181 15.725 17.390 19.485 22.033 24.980 28.262 39.570 66 52 15.241 16.938 18.835 21.229 24.153 27.560 31.384 43.010 67 53 16.271 18.112 20.268 22.947 26.190 29.949 34.249 46.550 68 54 17.251 19.288 21.775 24.868 28.517 32.756 37.622 50.320 69 55 18.247 20.479 23.291 26.747 30.777 35.391 40.781 54.480 70 56 19.247 21.715 24.878 28.738 33.156 38.236 44.205 59.090 71 57 20.283 23.031 26.505 30.680 35.469 40.962 47.384 64.330 72 58 21.453 24.461 28.198 32.715 37.925 43.885 50.886 70.230 73 59 22.859 26.000 30.066 35.002 40.779 47.495 55.278 76.660 74 60 24.436 27.676 31.986 37.234 43.530 50.881 59.355 83.770 75 61 26.152 29.491 34.118 39.843 46.801 55.023 64.707 91.100 76 62 27.971 31.450 36.358 42.457 49.987 59.170 69.661 98.520 77 63 29.766 33.463 38.766 45.431 53.975 64.141 75.743 105.910 78 64 31.609 35.544 41.302 48.813 58.222 69.436 82.191 113.490 79 65 33.682 37.915 44.355 52.558 62.848 75.118 89.049 121.590 80
6/30/93 TLevel 15 MALE PREFERRED SMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 -- ----- ----- ----- ------ ------ ------ ------ ------ 20 0.659 0.745 0.763 0.759 0.762 0.738 0.761 0.775 21 0.616 0.690 0.725 0.728 0.736 0.724 0.781 0.823 22 0.546 0.619 0.661 0.663 0.668 0.678 0.717 0.764 23 0.492 0.553 0.599 0.599 0.618 0.628 0.671 0.727 24 0.434 0.490 0.532 0.551 0.570 0.593 0.636 0.693 25 0.394 0.441 0.492 0.512 0.548 0.581 0.626 0.687 26 0.372 0.421 0.467 0.498 0.550 0.592 0.643 0.712 27 0.371 0.410 0.459 0.506 0.561 0.616 0.682 0.762 28 0.379 0.421 0.473 0.523 0.584 0.654 0.730 0.829 29 0.402 0.447 0.497 0.552 0.628 0.709 0.805 0.922 30 0.429 0.478 0.532 0.588 0.672 0.771 0.876 1.019 31 0.446 0.505 0.559 0.629 0.716 0.827 0.956 1.109 32 0.461 0.526 0.593 0.664 0.762 0.889 1.040 1.211 33 0.463 0.540 0.614 0.702 0.820 0.961 1.129 1.318 34 0.453 0.541 0.630 0.734 0.869 1.023 1.205 1.412 35 0.458 0.563 0.671 0.798 0.943 1.121 1.318 1.548 36 0.471 0.601 0.734 0.878 1.052 1.248 1.477 1.727 37 0.503 0.652 0.807 0.978 1.175 1.395 1.644 1.929 38 0.548 0.720 0.908 1.099 1.318 1.558 1.833 2.157 39 0.603 0.813 1.022 1.233 1.469 1.741 2.048 2.392 40 0.672 0.915 1.149 1.386 1.641 1.936 2.269 2.650 41 0.742 1.017 1.290 1.548 1.830 2.144 2.499 2.917 42 0.814 1.127 1.427 1.714 2.020 2.361 2.751 3.207 43 0.886 1.232 1.567 1.875 2.211 2.585 3.006 3.493 44 0.959 1.341 1.703 2.044 2.403 2.813 3.263 3.773 45 1.041 1.451 1.846 2.226 2.617 3.055 3.535 4.071 46 1.119 1.562 1.996 2.423 2.858 3.326 3.837 4.416 47 1.198 1.693 2.173 2.640 3.134 3.639 4.186 4.815 48 1.277 1.837 2.372 2.885 3.451 4.017 4.614 5.299 49 1.364 1.991 2.585 3.158 3.799 4.439 5.111 5.862 50 1.448 2.161 2.815 3.450 4.158 4.882 5.638 6.462 51 1.536 2.334 3.063 3.752 4.518 5.328 6.160 7.061 52 1.629 2.520 3.316 4.056 4.870 5.743 6.649 7.597 53 1.728 2.705 3.565 4.346 5.205 6.115 7.050 8.065 54 1.839 2.893 3.812 4.632 5.528 6.434 7.406 8.504 55 1.954 3.098 4.081 4.938 5.841 6.763 7.774 8.929 56 2.092 3.325 4.381 5.265 6.181 7.128 8.183 9.406 57 2.260 3.597 4.717 5.643 6.574 7.565 8.680 9.952 58 2.460 3.912 5.123 6.104 7.068 8.125 9.291 10.606 59 2.688 4.278 5.597 6.638 7.674 8.795 10.012 11.353 60 2.944 4.689 6.115 7.228 8.363 9.540 10.804 12.182 61 3.244 5.119 6.653 7.856 9.081 10.316 11.636 13.060 62 3.577 5.552 7.182 8.502 9.781 11.094 12.472 13.982 63 3.943 6.044 7.760 9.150 10.460 11.820 13.269 14.879 64 4.346 6.616 8.400 9.801 11.127 12.536 14.050 15.753 65 4.784 7.200 9.057 10.435 11.813 13.286 14.873 16.732 X [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT -- ------ ------ ------ ------ ------ ------ ------ ------- 20 0.806 0.853 0.873 0.957 1.019 1.099 1.173 2.630 35 21 0.895 0.986 1.008 1.063 1.121 1.184 1.249 2.810 36 22 0.845 0.936 0.975 1.028 1.107 1.188 1.276 3.040 37 23 0.799 0.891 0.951 1.018 1.118 1.226 1.329 3.300 38 24 0.767 0.863 0.952 1.023 1.148 1.285 1.418 3.600 39 25 0.767 0.871 0.971 1.076 1.229 1.395 1.543 3.940 40 26 0.802 0.917 1.034 1.176 1.341 1.532 1.722 4.340 41 27 0.864 0.996 1.133 1.295 1.482 1.703 1.922 4.750 42 28 0.948 1.101 1.249 1.424 1.635 1.884 2.124 5.220 43 29 1.062 1.246 1.407 1.596 1.825 2.084 2.349 5.710 44 30 1.187 1.386 1.570 1.778 2.019 2.300 2.595 6.270 45 31 1.303 1.523 1.727 1.957 2.222 2.536 2.873 6.830 46 32 1.425 1.668 1.894 2.155 2.452 2.807 3.180 7.440 47 33 1.547 1.813 2.068 2.361 2.714 3.112 3.543 8.080 48 34 1.651 1.928 2.221 2.562 2.967 3.434 3.935 8.800 49 35 1.811 2.105 2.441 2.818 3.281 3.819 4.397 9.560 50 36 2.011 2.340 2.703 3.126 3.652 4.266 4.910 10.440 51 37 2.246 2.597 2.997 3.467 4.051 4.730 5.450 11.420 52 38 2.495 2.884 3.315 3.834 4.459 5.204 6.017 12.540 53 39 2.775 3.196 3.667 4.218 4.893 5.704 6.623 13.800 54 40 3.070 3.549 4.044 4.628 5.352 6.235 7.275 15.140 55 41 3.391 3.910 4.445 5.078 5.857 6.827 7.983 16.590 56 42 3.721 4.288 4.879 5.581 6.430 7.482 8.759 18.090 57 43 4.031 4.676 5.342 6.135 7.073 8.212 9.599 19.690 58 44 4.336 5.071 5.840 6.736 7.782 9.022 10.513 21.350 59 45 4.670 5.500 6.376 7.385 8.554 9.912 11.489 23.190 60 46 5.066 5.967 6.946 8.074 9.388 10.847 12.549 25.260 61 47 5.563 6.504 7.570 8.817 10.246 11.859 13.733 27.590 62 48 6.142 7.108 8.246 9.576 11.147 12.952 15.030 30.230 63 49 6.766 7.779 8.955 10.380 12.114 14.126 16.442 33.140 64 50 7.404 8.460 9.693 11.240 13.138 15.367 17.942 36.290 65 51 8.024 9.156 10.506 12.212 14.324 16.843 19.764 39.570 66 52 8.624 9.862 11.379 13.305 15.702 18.583 21.947 43.010 67 53 9.206 10.546 12.245 14.382 17.027 20.194 23.950 46.550 68 54 9.761 11.231 13.155 15.585 18.539 22.087 26.309 50.320 69 55 10.324 11.924 14.071 16.764 20.008 23.864 28.519 54.480 70 56 10.890 12.644 15.030 18.011 21.555 25.782 30.913 59.090 71 57 11.477 13.410 16.012 19.228 23.058 27.620 33.136 64.330 72 58 12.139 14.242 17.035 20.503 24.655 29.591 35.585 70.230 73 59 12.934 15.139 18.164 21.937 26.510 32.025 38.657 76.660 74 60 13.826 16.115 19.324 23.336 28.299 34.308 41.507 83.770 75 61 14.797 17.171 20.612 24.971 30.426 37.101 45.250 91.100 76 62 15.827 18.312 21.965 26.609 32.497 39.897 48.714 98.520 77 63 16.842 19.484 23.420 28.473 35.090 43.249 52.967 105.910 78 64 17.885 20.696 24.952 30.593 37.850 46.819 57.477 113.490 79 65 19.058 22.076 26.796 32.940 40.858 50.651 62.272 121.590 80
6/30/93 TLevel 15 FEMALE NONSMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT -- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ 20 0.362 0.430 0.441 0.437 0.435 0.416 0.423 0.420 0.431 0.445 0.429 0.446 0.455 0.471 0.483 1.470 35 21 0.379 0.418 0.431 0.426 0.421 0.403 0.418 0.425 0.444 0.464 0.457 0.468 0.482 0.499 0.521 1.560 36 22 0.361 0.402 0.421 0.416 0.412 0.402 0.411 0.417 0.440 0.467 0.469 0.481 0.503 0.532 0.564 1.670 37 23 0.353 0.390 0.415 0.410 0.410 0.404 0.412 0.423 0.447 0.480 0.491 0.505 0.538 0.575 0.606 1.790 38 24 0.338 0.376 0.403 0.407 0.411 0.410 0.417 0.433 0.464 0.505 0.531 0.548 0.593 0.639 0.678 1.930 39 25 0.329 0.362 0.394 0.403 0.417 0.420 0.433 0.456 0.494 0.542 0.577 0.611 0.667 0.722 0.764 2.080 40 26 0.314 0.346 0.377 0.390 0.413 0.426 0.445 0.475 0.519 0.579 0.622 0.672 0.728 0.792 0.845 2.260 41 27 0.314 0.340 0.370 0.393 0.421 0.446 0.477 0.513 0.570 0.641 0.691 0.746 0.809 0.879 0.937 2.440 42 28 0.319 0.344 0.373 0.400 0.434 0.470 0.507 0.559 0.627 0.710 0.760 0.820 0.888 0.965 1.027 2.620 43 29 0.329 0.352 0.380 0.413 0.458 0.500 0.553 0.616 0.695 0.793 0.848 0.907 0.978 1.056 1.126 2.800 44 30 0.342 0.370 0.403 0.436 0.487 0.545 0.604 0.682 0.777 0.885 0.944 1.007 1.079 1.160 1.236 2.990 45 31 0.349 0.387 0.420 0.463 0.518 0.586 0.659 0.740 0.854 0.971 1.035 1.105 1.183 1.273 1.360 3.190 46 32 0.351 0.392 0.434 0.481 0.544 0.619 0.704 0.797 0.917 1.045 1.115 1.194 1.279 1.378 1.482 3.410 47 33 0.344 0.393 0.443 0.501 0.576 0.657 0.753 0.852 0.978 1.118 1.201 1.292 1.399 1.525 1.652 3.650 48 34 0.333 0.394 0.454 0.522 0.608 0.699 0.801 0.909 0.042 1.189 1.289 1.398 1.538 1.691 1.841 3.900 49 35 0.332 0.405 0.476 0.559 0.651 0.754 0.862 0.984 1.130 1.284 1.397 1.527 1.685 1.858 2.026 4.190 50 36 0.332 0.419 0.505 0.598 0.704 0.814 0.939 1.068 1.222 1.390 1.520 1.666 1.844 2.039 2.229 4.500 51 37 0.344 0.440 0.540 0.646 0.762 0.884 1.016 1.160 1.328 1.515 1.657 1.816 2.009 2.228 2.446 4.850 52 38 0.370 0.481 0.599 0.716 0.846 0.978 1.123 1.287 1.477 1.686 1.831 1.999 2.200 2.439 2.688 5.260 53 39 0.403 0.537 0.666 0.795 0.935 1.083 1.245 1.429 1.646 1.872 2.029 2.210 2.435 2.708 3.001 5.680 54 40 0.435 0.585 0.727 0.869 1.015 1.172 1.355 1.557 1.791 2.043 2.205 2.397 2.645 2.940 3.276 6.130 55 41 0.465 0.631 0.793 0.944 1.101 1.275 1.467 1.684 1.943 2.219 2.405 2.630 2.905 3.245 3.651 6.590 56 42 0.505 0.693 0.870 1.037 1.217 1.407 1.618 1.855 2.143 2.455 2.674 2.930 3.237 3.625 4.085 7.050 57 43 0.534 0.736 0.929 1.113 1.309 1.513 1.736 1.990 2.295 2.659 2.919 3.226 3.592 4.030 4.556 7.490 58 44 o.562 0.779 0.991 1.191 1.397 1.616 1.856 2.125 2.452 2.865 3.185 3.560 3.989 4.489 5.073 7.960 59 45 0.592 0.827 1.054 1.273 1.493 1.728 1.987 2.275 2.623 3.090 3.483 3.926 4.430 4.997 5.656 8.510 60 46 0.624 0.873 1.118 1.359 1.604 1.858 2.139 2.451 2.828 3.346 3.803 4.322 4.909 5.559 6.301 9.160 61 47 0.655 0.928 1.194 1.457 1.737 2.016 2.316 2.655 3.098 3.640 4.142 4.712 5.367 6.086 6.881 9.980 62 48 0.685 0.987 1.281 1.571 1.895 2.207 2.535 2.913 3.412 3.974 4.503 5.125 5.845 6.630 7.510 11.010 63 49 0.716 1.051 1.377 1.704 2.069 2.421 2.798 3.214 3.753 4.339 4.895 5.559 6.333 7.208 8.187 12.230 64 50 0.747 1.125 1.484 1.844 2.246 2.652 3.077 3.536 4.095 4.722 5.320 6.046 6.925 7.933 9.080 13.550 65 51 0.800 1.231 1.638 2.036 2.487 2.952 3.433 3.942 4.544 5.231 5.867 6.665 7.638 8.783 10.087 14.970 66 52 0.859 1.347 1.800 2.244 2.734 3.250 3.781 4.342 4.999 5.747 6.448 7.329 8.416 9.701 11.164 16.410 67 53 0.924 1.468 1.972 2.452 2.985 3.331 4.104 4.719 5.443 6.267 7.056 8.043 9.251 10.666 12.295 17.860 68 54 0.998 1.600 2.150 2.668 3.234 3.804 4.414 5.075 5.886 6.805 7.696 8.814 10.142 11.688 13.485 19.410 69 55 1.080 1.748 2.351 2.902 3.499 4.092 4.725 5.435 6.347 7.372 8.386 9.639 11.101 12.793 14.778 21.200 70 56 1.180 1.916 2.575 3.168 3.790 4.399 5.073 5.836 6.832 7.984 9.131 10.529 12.144 14.006 16.188 23.340 71 57 1.302 2.114 2.839 3.476 4.1ll 4.762 5.486 6.302 7.354 8.654 9.939 11.497 13.290 15.341 17.751 25.990 72 58 1.446 2.354 3.156 3.835 4.508 5.214 5.992 6.859 7.948 9.390 10.815 12.542 14.529 16.813 19 490 29.220 73 59 1.618 2.635 3.517 1.253 4.991 5.760 6.595 7.503 8.652 10.208 11.767 13.652 15.866 18.429 21 401 33.220 74 60 1.814 2.946 3.919 1.722 5.549 6.381 7.272 8.225 9.460 11.117 12.799 14.857 17.316 20.188 23.492 37.320 75 61 2.038 3.281 4.346 5.237 6.155 7.051 8.002 9.019 10.358 12.112 13.985 16.300 19.121 22.455 26.239 42.040 76 62 2.292 3.627 4.788 5.789 6.774 7.747 8.772 9.878 11.327 13.213 15.297 17.898 21.119 24.923 29.285 47.110 77 63 2.576 4.029 5.284 5.366 7.402 8.442 9.548 10.748 12.331 14.374 16.764 19.782 23.542 28.052 33.213 52.530 78 64 2.897 4.505 5.845 5.967 8.053 9.160 10.337 11.641 13.387 15.612 18.284 21.665 25.938 31.047 36.920 58.450 79 65 3.257 5.009 6.439 7.587 8.747 9.925 11.194 12.641 14.588 17.025 20.063 23.971 28.896 34.845 41.710 65.120 80
6/30/93 TLevel 15 FEMALE PREFERRED NONSMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT -- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ 20 0.269 0.221 0.242 0.240 0.244 0.239 0.250 0.255 0.268 0.283 0.281 0.301 0.316 0.337 0.356 1.470 35 21 0.194 0.214 0.237 0.234 0.236 0.232 0.247 0.258 0.276 0.295 0.299 0.316 0.335 0.357 0.384 1.560 36 22 0.185 0.206 0.232 0.229 0.230 0.231 0.243 0.254 0.274 0.297 0.307 0.324 0.349 0.380 0.416 1.670 37 23 0.181 0.200 0.228 0.225 0.229 0.232 0.243 0.257 0.277 0.306 0.322 0.341 0.374 0.411 0.447 1.790 38 24 0.174 0.193 0.222 0.224 0.230 0.236 0.246 0.264 0.288 0.321 0.347 0.370 0.411 0.457 0.500 1.930 39 25 0.169 0.186 0.217 0.222 0.233 0.241 0.255 0.277 0.307 0.345 0.378 0.412 0.463 0.516 0.563 2.080 40 26 0.161 0.178 0.207 0.214 0.231 0.245 0.263 0.289 0.323 0.369 0.407 0.453 0.506 0.566 0.623 2.260 41 27 0.161 0.175 0.204 0.216 0.236 0.256 0.282 0.312 0.354 0.408 0.452 0.503 0.562 0.629 0.690 2.440 42 28 0.164 0.177 0.205 0.220 0.243 0.270 0.299 0.340 0.390 0.452 0.498 0.553 0.616 0.690 0.757 2.620 43 29 0.169 0.181 0.209 0.227 0.256 0.287 0.327 0.374 0.431 0.505 0.555 0.612 0.679 0.755 0.830 2.800 44 30 0.175 0.190 0.221 0.240 0.272 0.313 0.357 0.415 0.482 0.563 0.619 0.679 0.749 0.830 0.911 2.990 45 31 0.179 0.198 0.231 0.254 0.290 0.337 0.389 0.450 0.530 0.618 0.678 0.745 0.821 0.910 1.002 3.190 46 32 0.180 0.201 0.239 0.264 0.304 0.356 0.416 0.485 0.569 0.665 0.730 0.805 0.888 0.985 1.092 3.410 47 33 0.176 0.202 0.243 0.275 0.322 0.378 0.445 0.518 0.607 0.712 0.787 0.871 0.971 1.091 1.217 3.650 48 34 0.171 0.202 0.250 0.287 0.340 0.402 0.473 0.553 0.647 0.757 0.844 0.943 1.068 1.209 1.356 3.900 49 35 0.171 0.208 0.262 0.307 0.364 0.433 0.509 0.598 0.702 0.817 0.915 1.030 1.170 1.329 1.493 4.190 50 36 0.171 0.215 0.278 0.329 0.394 0.468 0.554 0.649 0.759 0.885 0.995 1.123 1.280 1.458 1.642 4.500 51 37 0.177 0.226 0.297 0.355 0.427 0.508 0.600 0.706 0.825 0.964 1.085 1.224 1.395 1.593 1.802 4.850 52 38 0.190 0.247 0.329 0.394 0.474 0.562 0.663 0.783 0.917 1.073 1.199 1.348 1.528 1.744 1.981 5.260 53 39 0.207 0.275 0.366 0.437 0.523 0.622 0.735 0.869 1.022 1.192 1.329 1.490 1.690 1.936 2.211 5.680 54 40 0.223 0.300 0.400 0.478 0.568 0.674 0.800 0.947 1.112 1.300 1.444 1.616 1.836 2.102 2.414 6.130 55 41 0.239 0.324 0.436 0.519 0.616 0.733 0.866 1.024 1.207 1.412 1.575 1.773 2.017 2.321 2.690 6.590 56 42 0.259 0.356 0.478 0.570 0.681 0.808 0.955 1.128 1.330 1.562 1.751 1.976 2.247 2.592 3.010 7.050 57 43 0.274 0.378 0.511 0.612 0.732 0.870 1.025 1.210 1.425 1.692 1.912 2.175 2.494 2.882 3.357 7.490 58 44 0.288 0.400 0.545 0.655 0.782 0.929 1.096 1.292 1.522 1.823 2.086 2.400 2.769 3.210 3.738 7.960 59 45 0.304 0.424 0.579 0.700 0.835 0.993 1.173 1.384 1.629 1.967 2.281 2.647 3.075 3.573 4.167 8.510 60 46 0.320 0.448 0.615 0.747 0.898 1.068 1.263 1.490 1.756 2.129 2.491 2.914 3.408 3.975 4.642 9.160 61 47 0.336 0.476 0.656 0.801 0.972 1.159 1.367 1.615 1.923 2.317 2.713 3.177 3.725 4.352 5.070 9.980 62 48 0.351 0.506 0.704 0.864 1.060 1.269 1.497 1.771 2.119 2.530 2.949 3.455 4.058 4.741 5.533 11.010 63 49 0.368 0.539 0.757 0.937 1.157 1.391 1.652 1.954 2.330 2.762 3.206 3.748 4.397 5.154 6.032 12.230 64 50 0.383 0.577 0.816 1.014 1.257 1.524 1.817 2.150 2.543 3.005 3.485 4.076 4.807 5.673 6.690 13.550 65 51 0.410 0.632 0.900 1.120 1.392 1.697 2.027 2.397 2.822 3.329 3.842 4.493 5.303 6.280 7.432 14.970 66 52 0.441 0.691 0.989 1.233 1.530 1.868 2.232 2.641 3.104 3.658 4.223 4.941 5.842 6.936 8.225 16.410 67 53 0.474 0.753 1.084 1.348 1.670 2.029 2.423 2.869 3.380 3.989 4.621 5.422 6.422 7.627 9.059 17.860 68 54 0.512 0.821 1.182 1.467 1.810 2.186 2.606 3.086 3.655 4.331 5.040 5.942 7.041 8.358 9.936 19.410 69 55 0.554 0.897 1.292 1.596 1.958 2.352 2.790 3.305 3.941 4.692 5.493 6.499 7.707 9.148 10.888 21.200 70 56 0.606 0.983 1.416 1.742 2.120 2.528 2.995 3.549 4.242 5.082 5.980 7.099 8.430 10.015 11.927 23.340 71 57 0.668 1.085 1.561 1.911 2.301 2.737 3.239 3.832 4.566 5.508 6.509 7.751 9.226 10.969 13.078 25.990 72 58 0.742 1.208 1.735 2.108 2.522 2.997 3.538 4.171 4.935 5.976 7.083 8.456 10.086 12.022 14.360 29.220 73 59 0.830 1.352 1.934 2.338 2.792 3.310 3.894 4.562 5.373 6.497 7.707 9.204 11.014 13.178 15.768 33.220 74 60 0.931 1.512 2.154 2.596 3.105 3.667 4.294 5.002 5.875 7.076 8.383 10.016 12.021 14.436 17.309 37.320 75 61 1.046 1.683 2.390 2.879 3.444 4.052 4.725 5.485 6.432 7.709 9.160 10.990 13.274 16.056 19.333 42.040 76 62 1.176 1.861 2.632 3.183 3.791 4.452 5.179 6.007 7.034 8.410 10.019 12.067 14.661 17.821 21.577 47.110 77 63 1.322 2.067 2.905 3.500 4.142 4.852 5.637 6.536 7.657 9.149 10.980 13.337 16.343 20.059 24.471 52.530 78 64 1.487 2.312 3.213 3.830 4.506 5.264 6.103 7.079 8.313 9.937 11.975 14.607 18.006 22.201 27.202 58.450 79 65 1.671 2.570 3.540 4.171 4.894 5.704 6.609 7.687 9.058 10.836 13.141 16.161 20.060 24.916 30.731 65.120 80
6/30/93 TLevel 15 FEMALE SMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 -- ----- ----- ------ ------ ------ ------ ------ ------ ------ 20 0.362 0.709 0.780 0.787 0.807 0.791 0.808 0.809 0.839 21 0.589 0.700 0.777 0.780 0.795 0.781 0.815 0.842 0.891 22 0.572 0.685 0.772 0.775 0.790 0.796 0.823 0.853 0.916 23 0.569 0.677 0.774 0.778 0.804 0.822 0.853 0.896 0.962 24 0.555 0.665 0.765 0.790 0.829 0.861 0.895 0.951 1.029 25 0.549 0.651 0.765 0.803 0.867 0.913 0.960 1.029 1.120 26 0.533 0.636 0.751 0.803 0.890 0.960 1.017 1.097 1.199 27 0.545 0.643 0.762 0.838 0.940 1.033 1.114 1.207 1.334 28 0.569 0.671 0.794 0.882 0.996 1.114 1.207 1.334 1.488 29 0.605 0.711 0.838 0.937 1.075 1.207 1.334 1.488 1.670 30 0.652 0.773 0.915 1.014 1.165 1.334 1.476 1.670 1.890 31 0.690 0.832 0.975 1.095 1.257 1.452 1.631 1.836 2.105 32 0.713 0.864 1.027 1.153 1.337 1.555 1.765 2.002 2.289 33 0.714 0.881 1.062 1.217 1.433 1.673 1.912 2.167 2.471 34 0.704 0.894 1.103 1.286 1.532 1.803 2.059 2.341 2.657 35 0.713 0.932 1.172 1.395 1.663 1.968 2.245 2.554 2.903 36 0.723 0.978 1.259 1.510 1.821 2.150 2.465 2.796 3.164 37 0.758 1.041 1.364 1.652 1.996 2.355 2.691 3.062 3.454 38 0.825 1.152 1.533 1.855 2.234 2.627 2.998 3.411 3.826 39 0.911 1.301 1.724 2.076 2.488 2.933 3.336 3.772 4.246 40 0.996 1.435 1.899 2.289 2.724 3.188 3.616 4.092 4.601 41 1.079 1.562 2.089 2.505 2.968 3.453 3.898 4.408 4.972 42 1.180 1.729 2.308 2.763 3.265 3.794 4.283 4.836 5.460 43 1.259 1.852 2.477 2.954 3.497 4.065 4.577 5.168 5.802 44 1.334 1.967 2.630 3.149 3.718 4.325 4.872 5.474 6.121 45 1.413 2.079 2.787 3.353 3.958 4.605 5.174 5.788 6.465 46 1.483 2.187 2.945 3.565 4.236 4.911 5.503 6.156 6.884 47 1.550 2.315 3.130 3.806 4.548 5.262 5.883 6.585 7.410 48 1.614 2.452 3.344 4.071 4.902 5.690 6.358 7.101 8.023 49 1.681 2.601 3.567 4.360 5.283 6.162 6.897 7.699 8.667 50 1.746 2.760 3.798 4.660 5.664 6.634 7.453 8.319 9.287 51 1.853 2.983 4.137 5.080 6.165 7.258 8.168 9.109 10.069 52 1.966 3.225 4.489 5.501 6.660 7.848 8.834 9.803 10.815 53 2.088 3.470 4.834 5.907 7.141 8.371 9.370 10.402 11.550 54 2.227 3.717 5.182 6.316 7.599 8.813 9.838 10.971 12.245 55 2.370 3.989 5.564 6.746 8.031 9.258 10.331 11.520 12.940 56 2.545 4.296 5.986 7.195 8.494 9.761 10.874 12.123 13.644 57 2.757 4.655 6.447 7.708 9.038 10.358 11.524 12.823 14.381 58 3.006 5.065 6.997 8.340 9.716 11.115 12.330 13.667 15.211 59 3.287 5.536 7.648 9.069 10.541 12.027 13.289 14.630 16.200 60 3.598 6.070 8.355 9.866 11.482 13.048 14.340 15.691 17.319 61 3.966 6.626 9.082 10.719 12.470 14.109 15.437 16.824 18.530 62 4.373 7.180 9.799 11.603 13.432 15.166 16.547 18.006 19.794 63 4.816 7.813 10.590 12.487 14.357 16.161 17.599 19.137 21.035 64 5.306 8.554 11.465 13.369 15.274 17.134 18.611 20.234 22.280 65 5.841 9.309 12.355 14.236 16.211 18.135 19.675 21.435 23.671 X [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT -- ------ ------ ------ ------ ------ ------ ------ 20 0.880 0.883 0.954 1.004 1.068 1.119 1.940 35 21 0.952 0.974 1.029 1.088 1.151 1.224 2.090 36 22 0.991 1.029 1.082 1.158 1.244 1.342 2.280 37 23 1.049 1.102 1.158 1.255 1.362 1.461 2.490 38 24 1.129 1.212 1.273 1.400 1.534 1.655 2.730 39 25 1.235 1.336 1.439 1.595 1.755 1.888 3.000 40 26 1.337 1.459 1.603 1.765 1.951 2.117 3.330 41 27 1.500 1.641 1.801 1.987 2.193 2.375 3.640 42 28 1.682 1.829 2.006 2.207 2.437 2.625 3.960 43 29 1.903 2.067 2.248 2.462 2.689 2.901 4.280 44 30 2.151 2.332 2.527 2.738 2.979 3.211 4.610 45 31 2.390 2.588 2.796 3.027 3.295 3.547 4.950 46 32 2.604 2.811 3.045 3.298 3.581 3.849 5.310 47 33 2.810 3.053 3.320 3.623 3.948 4.274 5.680 48 34 3.012 3.301 3.609 3.966 4.360 4.743 6.080 49 35 3.278 3.593 3.926 4.329 4.771 5.199 6.540 50 36 3.564 3.894 4.264 4.718 5.215 5.697 7.000 51 37 3.869 4.227 4.629 5.119 5.672 6.200 7.520 52 38 4.289 4.652 5.075 5.584 6.160 6.731 8.130 53 39 4.744 5.135 5.589 6.129 6.756 7.419 8.750 54 40 5.155 5.558 6.014 6.574 7.243 7.998 9.400 55 41 5.575 6.012 6.515 7.131 7.894 8.759 10.050 56 42 6.118 6.603 7.169 7.846 8.666 9.633 10.670 57 43 6.544 7.119 7.793 8.557 9.468 10.553 11.250 58 44 6.964 7.669 8.452 9.338 10.360 11.250 11.850 59 45 7.417 8.243 9.160 10.188 11.250 11.850 12.510 60 46 7.892 8.843 9.904 11.084 11.850 12.510 13.360 61 47 8.439 9.461 10.604 11.840 12.510 13.360 14.390 62 48 9.050 10.101 11.269 12.510 13.360 14.390 15.780 63 49 9.703 10.729 11.934 13.360 14.390 15.780 17.330 64 50 10.317 11.385 12.731 14.345 15.780 17.330 19.070 65 51 11.158 12.313 13.760 15.506 17.330 19.070 20.790 66 52 12.024 13.268 14.827 16.736 18.957 20.790 22.580 67 53 12.856 14.228 15.940 18.015 20.398 22.580 24.200 68 54 13.679 15.202 17.105 19.327 21.868 24.200 26.020 69 55 14.517 16.222 18.308 20.697 23.404 26.020 27.950 70 56 15.396 17.285 19.563 22.138 25.038 27.950 30.450 71 57 16.330 18.406 20.888 23.675 26.788 30.370 33.550 72 58 17.335 19.584 22.266 25.281 28.661 32.531 37.330 73 59 18.428 20.823 23.676 26.952 30.649 34.829 41.740 74 60 19.610 22.124 25.152 28.696 32.735 37.252 46.640 75 61 20.869 23.599 26.921 30.896 35.477 40.790 51.920 76 62 22.225 25.181 28.822 33.249 38.602 44.603 57.460 77 63 23.587 26.907 31.039 36.334 42.569 49.550 63.280 78 64 24.979 28.594 33.325 39.223 46.149 53.924 69.410 79 65 26.542 30.760 36.125 42.801 50.708 59.612 76.260 80
6/30/93 TLevel 15 FEMALE PREFERRED SMOKER MEDICAL UNPROJECTED EXPERIENCE ADJUSTMENTS
X [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT -- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ 20 0.326 0.389 0.405 0.409 0.417 0.410 0.432 0.445 0.475 0.513 0.533 0.598 0.653 0.720 0.783 1.940 35 21 0.342 0.384 0.404 0.405 0.410 0.405 0.435 0.463 0.504 0.555 0.588 0.645 0.707 0.776 0.856 2.090 36 22 0.332 0.376 0.401 0.403 0.408 0.413 0.440 0.470 0.519 0.577 0.622 0.678 0.752 0.839 0.938 2.280 37 23 0.330 0.371 0.402 0.404 0.415 0.426 0.456 0.493 0.544 0.611 0.665 0.726 0.816 0.919 1.021 2.490 38 24 0.322 0.365 0.397 0.410 0.428 0.446 0.478 0.523 0.582 0.657 0.732 0.798 0.910 1.034 1.158 2.730 39 25 0.319 0.357 0.397 0.417 0.448 0.473 0.513 0.566 0.634 0.719 0.807 0.902 1.037 1.183 1.320 3.000 40 26 0.309 0.349 0.390 0.417 0.460 0.498 0.543 0.603 0.679 0.778 0.881 1.005 1.147 1.315 1.480 3.330 41 27 0.316 0.353 0.396 0.435 0.485 0.536 0.595 0.664 0.755 0.873 0.992 1.129 1.292 1.479 1.661 3.640 42 28 0.331 0.368 0.413 0.458 0.514 0.578 0.645 0.734 0.842 0.979 1.105 1.257 1.435 1.643 1.836 3.960 43 29 0.351 0.390 0.436 0.487 0.555 0.626 0.713 0.819 0.945 1.108 1.249 1.409 1.601 1.813 2.029 4.280 44 30 0.379 0.424 0.475 0.527 0.602 0.692 0.788 0.919 1.070 1.253 1.409 1.584 1.780 2.009 2.245 4.610 45 31 0.400 0.456 0.507 0.569 0.649 0.753 0.871 1.010 1.191 1.392 1.564 1.752 1.968 2.222 2.481 4.950 46 32 0.414 0.474 0.534 0.599 0.690 0.806 0.943 1.101 1.295 1.516 1.698 1.908 2.144 2.414 2.691 5.310 47 33 0.415 0.483 0.552 0.632 0.740 0.867 1.022 1.192 1.398 1.636 1.844 2.081 2.356 2.662 2.989 5.680 48 34 0.409 0.490 0.573 0.668 0.791 0.934 1.100 1.288 1.503 1.754 1.994 2.262 2.578 2.940 3.317 6.080 49 35 0.414 0.511 0.609 0.725 0.859 1.020 1.199 1.405 1.643 1.909 2.171 2.461 2.814 3.217 3.636 6.540 50 36 0.420 0.536 0.654 0.785 0.940 1.115 1.317 1.538 1.790 2.075 2.352 2.673 3.067 3.516 3.984 7.000 51 37 0.440 0.571 0.708 0.858 1.031 1.221 1.437 1.685 1.955 2.253 2.554 2.901 3.328 3.825 4.336 7.520 52 38 0.479 0.631 0.796 0.964 1.154 1.362 1.601 1.877 2.165 2.498 2.811 3.181 3.630 4.154 4.707 8.130 53 39 0.529 0.714 0.896 1.079 1.285 1.521 1.782 2.075 2.403 2.762 3.102 3.503 3.985 4.555 5.188 8.750 54 40 0.578 0.787 0.986 1.189 1.406 1.653 1.932 2.251 2.603 3.002 3.358 3.769 4.274 4.884 5.593 9.400 55 41 0.626 0.857 1.085 1.301 1.532 1.790 2.082 2.425 2.813 3.246 3.632 4.083 4.636 5.323 6.125 10.050 56 42 0.685 0.948 1.199 1.436 1.686 1.967 2.288 2.661 3.089 3.562 3.989 4.493 5.101 5.844 6.736 10.670 57 43 0.731 1.016 1.287 1.535 1.806 2.108 2.445 2.843 3.283 3.811 4.301 4.884 5.563 6.384 7.380 11.250 58 44 0.775 1.079 1.366 1.636 1.920 2.242 2.603 3.012 3.463 4.055 4.633 5.297 6.071 6.986 8.069 11.850 59 45 0.820 1.140 1.448 1.742 2.043 2.387 2.764 3.185 3.658 4.318 4.980 5.741 6.623 7.635 8.790 12.510 60 46 0.861 1.199 1.530 1.852 2.187 2.546 2.940 3.387 3.895 4.595 5.342 6.207 7.206 8.299 9.561 13.360 61 47 0.900 1.269 1.626 1.977 2.348 2.728 3.143 3.623 4.193 4.913 5.715 6.646 7.698 8.872 10.240 14.390 62 48 0.937 1.345 1.738 2.115 2.531 2.950 3.397 3.907 4.539 5.270 6.102 7.063 8.186 9.479 10.958 15.780 63 49 0.976 1.426 1.853 2.265 2.728 3.195 3.685 4.236 4.904 5.650 6.481 7.480 8.700 10.104 11.706 17.330 64 50 1.014 1.513 1.973 2.421 2.924 3.439 3.981 4.577 5.255 6.007 6.878 7.979 9.326 10.898 12.719 19.070 65 51 1.076 1.636 2.149 2.639 3.183 3.762 4.363 5.012 5.697 6.497 7.439 8.624 10.081 11.819 13.835 20.790 66 52 1.142 1.769 2.332 2.858 3.439 4.068 4.719 5.394 6.119 7.001 8.015 9.293 10.880 12.782 14.985 22.580 67 53 1.213 1.903 2.512 3.069 3.687 4.340 5.005 5.723 6.535 7.486 8.596 9.990 11.712 13.754 16.145 24.200 68 54 1.293 2.038 2.692 3.281 3.924 4.568 5.256 6.036 6.928 7.965 9.184 10.720 12.565 14.745 17.315 26.020 69 55 1.376 2.188 2.891 3.504 4.147 4.799 5.519 6.338 7.322 8.453 9.800 11.474 13.455 15.781 18.543 27.950 70 56 1.477 2.356 3.110 3.738 4.386 5.060 5.809 6.670 7.720 8.964 10.442 12.261 14.392 16.883 19.840 30.450 71 57 1.601 2.553 3.349 4.004 4.667 5.370 6.156 7.055 8.137 9.508 11.119 13.091 15.391 18.063 21.238 33.550 72 58 1.746 2.777 3.635 4.333 5.017 5.762 6.586 7.520 8.607 10.093 11.831 13.955 16.435 19.326 22.749 37.330 73 59 1.908 3.036 3.974 4.711 5.443 6.235 7.099 8.050 9.166 10.730 12.580 14.838 17.521 20.666 24.356 41.740 74 60 2.089 3.329 4.341 5.126 5.928 6.764 7.660 8.633 9.800 11.418 13.366 15.764 18.656 22.073 26.051 46.640 75 61 2.303 3.634 4.718 5.569 6.439 7.314 8.246 9.257 10.485 12.151 14.257 16.873 20.086 23.921 28.524 51.920 76 62 2.539 3.938 5.091 6.028 6.935 7.862 8.839 9.907 11.200 12.941 15.213 18.064 21.615 26.029 31.191 57.460 77 63 2.797 4.284 5.502 6.487 7.413 8.378 9.401 10.529 11.902 13.734 16.255 19.453 23.621 28.703 34.650 63.280 78 64 3.081 4.691 5.956 6.946 7.886 8.882 9.942 11.132 12.606 14.544 17.274 20.886 25.499 31.118 37.710 69.410 79 65 3.392 5.105 6.419 7.396 8.370 9.401 10.510 11.794 13.393 15.454 18.583 22.641 27.825 34.191 41.687 76.260 80
REINSURANCE PREMIUMS I. Plan & Rider: Future Security (Retirement Income UL) Waiver of Premium Rider II. Standard Reinsurance Risk Premiums: Reinsurance on the above plan and rider shall be ceded on a bordereau basis employing annual reinsurance premiums. The reinsurance premiums shall equal the DL881 medical, unprojected, expected mortality assumptions attached to this Exhibit B, multiplied by the following factors: ISSUE PREF STD PREF STD AGE NS NS SMK SMK ---------- ---- ---- ---- ---- 0-40 1.50 1.25 1.45 1.25 41-60 1.20 1.08 1.22 1.08 61 & Older 1.20 1.15 1.35 1.15 III. Multiple Table Substandard Reinsurance Premiums: Multiple table substandard reinsurance premiums are equal to the sum of the standard premium and 20% of the standard premium for each 25% excess mortality. IV. Flat Extra Substandard Reinsurance Premiums: a) Permanent Flat Extra Premiums are ones assessed for more than 5 years. North American Re should receive its proportionate share of any such premiums less a 10% reduction in all policy years. b) Temporary Flat Extra Premiums are ones assessed for 5 years or less. North American Re should receive its proportionate share of any such premiums less a 10% reduction in all policy years. V. Maximum Amount Of Reinsurance On One Life On These Reinsurance Premiums: $10,000,000. For ceded risk amounts in excess of $10,000,000, the reinsurance premiums described in Section II, above, increased by 10%, shall apply. EXHIBIT B Page 1 of 2 VI. Reinsurance Premiums For Policies Converted to the Future Security Plan: Any reinsurance in force with the North American Re on policies converted to or reissued on the Future Security plan shall be continued with the North American Re. The reinsured risk amount shall be determined as described in Paragraph 1 of this Memorandum Addendum following the conversion or reissue. The applicable reinsurance premiums will be determined as described in this Exhibit B, with age and duration measured from the date of issue of the original policy. VIII. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B Page 2 of 2 DOMINION LIFE 881 MEDICAL UNPROJECTED MALE PREFERRED NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ----- ------ ------ ------ ------ ------ ------ ------ 0 0.612 0.401 0.345 0.291 0.282 0.266 0.255 0.236 1 0.612 0.401 0.345 0.291 0.282 0.266 0.255 0.236 2 0.402 0.322 0.290 0.272 0.253 0.253 0.233 0.219 3 0.324 0.272 0.272 0.244 0.241 0.232 0.218 0.216 4 0.274 0.255 0.245 0.233 0.222 0.217 0.215 0.220 5 0.257 0.230 0.234 0.215 0.208 0.214 0.219 0.238 6 0.233 0.221 0.216 0.202 0.206 0.219 0.237 0.308 7 0.224 0.204 0.203 0.200 0.211 0.238 0.308 0.387 8 0.209 0.194 0.204 0.207 0.231 0.311 0.390 0.509 9 0.198 0.194 0.210 0.226 0.301 0.392 0.511 0.625 10 0.195 0.197 0.227 0.292 0.377 0.512 0.625 0.740 11 0.199 0.213 0.293 0.364 0.488 0.619 0.730 0.827 12 0.214 0.273 0.363 0.469 0.587 0.719 0.812 0.882 13 0.275 0.340 0.468 0.564 0.683 0.800 0.865 0.885 14 0.341 0.436 0.562 0.655 0.759 0.853 0.870 0.616 15 0.437 0.524 0.647 0.716 0.790 0.852 0.611 0.580 16 0.529 0.608 0.692 0.731 0.781 0.599 0.577 0.554 17 0.609 0.646 0.710 0.727 0.562 0.563 0.544 0.525 18 0.609 0.638 0.700 0.518 0.534 0.527 0.507 0.489 19 0.582 0.618 0.490 0.484 0.491 0.482 0.465 0.448 20 0.542 0.422 0.456 0.448 0.448 0.431 0.423 0.409 21 0.349 0.385 0.427 0.423 0.424 0.415 0.424 0.423 22 0.305 0.340 0.383 0.376 0.378 0.380 0.379 0.381 23 0.271 0.300 0.340 0.334 0.341 0.343 0.345 0.347 24 0.235 0.260 0.297 0.300 0.307 0.314 0.312 0.320 25 0.209 0.229 0.268 0.272 0.287 0.294 0.298 0.311 26 0.194 0.214 0.248 0.257 0.274 0.291 0.300 0.314 27 0.189 0.203 0.237 0.249 0.272 0.296 0.310 0.329 28 0.188 0.203 0.233 0.250 0.277 0.306 0.325 0.356 29 0.194 0.206 0.238 0.259 0.290 0.325 0.356 0.388 30 0.197 0.213 0.249 0.268 0.304 0.351 0.379 0.425 31 0.199 0.221 0.255 0.281 0.322 0.369 0.411 0.455 32 0.201 0.224 0.264 0.294 0.336 0.393 0.440 0.492 33 0.197 0.225 0.273 0.305 0.358 0.419 0.472 0.528 34 0.188 0.224 0.274 0.316 0.374 0.441 0.497 0.558 35 0.190 0.229 0.289 0.339 0.401 0.476 0.537 0.607 36 0.191 0.242 0.311 0.368 0.441 0.524 0.597 0.673 37 0.202 0.258 0.339 0.405 0.487 0.581 0.659 0.743 38 0.217 0.282 0.376 0.449 0.542 0.644 0.728 0.827 39 0.236 0.314 0.418 0.500 0.600 0.712 0.809 0.922 40 0.260 0.349 0.466 0.558 0.663 0.788 0.900 1.025 41 0.283 0.385 0.519 0.617 0.735 0.877 0.995 1.132 42 0.308 0.424 0.568 0.679 0.815 0.969 1.100 1.250 43 0.333 0.458 0.621 0.747 0.896 1.065 1.207 1.370 44 0.357 0.496 0.678 0.817 0.978 1.164 1.318 1.491 45 0.385 0.539 0.738 0.893 1.069 1.272 1.439 1.631 46 0.416 0.583 0.801 0.976 1.175 1.395 1.583 1.789 47 0.447 0.634 0.876 1.070 1.298 1.547 1.747 1.977 48 0.478 0.691 0.961 1.179 1.449 1.727 1.951 2.213 49 0.513 0.753 1.056 1.308 1.613 1.934 2.198 2.491 50 0.548 0.824 1.166 1.445 1.789 2.163 2.468 2.798 51 0.586 0.902 1.283 1.592 1.977 2.403 2.747 3.109 52 0.630 0.985 1.407 1.751 2.169 2.639 3.015 3.426 53 0.676 1.071 1.539 1.909 2.361 2.858 3.275 3.722 54 0.728 1.165 1.675 2.073 2.551 3.080 3.521 4.004 55 0.787 1.270 1.826 2.247 2.760 3.313 3.771 4.289 56 0.858 1.389 1.994 2.454 2.989 3.563 4.049 4.609 57 0.944 1.528 2.199 2.692 3.244 3.857 4.381 4.980 58 1.045 1.702 2.444 2.971 3.558 4.226 4.789 5.419 59 1.169 1.905 2.725 3.296 3.941 4.671 5.268 5.925 60 1.311 2.130 3.036 3.661 4.385 5.173 5.808 6.498 61 1.474 2.372 3.370 4.063 4.862 5.714 6.393 7.127 62 1.658 2.625 3.715 4.490 5.349 6.281 7.010 7.808 63 1.864 2.918 4.098 4.936 5.847 6.846 7.631 8.506 64 2.098 3.261 4.532 5.404 6.363 7.429 8.272 9.225 65 2.358 3.625 4.994 5.886 6.912 8.061 8.970 10.043 66 2.640 3.987 5.444 6.381 7.504 8.764 9.793 11.019 67 2.954 4.315 5.846 6.885 8.148 9.584 10.781 12.225 68 3.296 4.618 6.215 7.390 8.856 10.543 12.004 13.710 69 3.670 4.923 6.579 7.910 9.627 11.660 13.445 15.507 70 4.073 5.217 6.940 8.435 10.462 12.894 15.107 17.596 71 4.476 5.734 7.622 9.261 11.462 14.121 16.543 19.264 72 4.919 6.297 8.369 10.148 12.556 15.466 18.115 21.083 73 5.395 6.905 9.159 11.101 13.733 16.911 19.795 23.042 74 5.822 7.435 9.856 11.944 14.773 18.184 21.287 24.776 75 6.156 7.858 10.416 12.621 15.601 19.204 22.479 26.149 76 6.432 8.209 10.880 13.177 16.289 20.050 23.456 27.277 77 6.715 8.567 11.350 13.747 16.991 20.902 24.446 28.418 78 7.150 9.120 12.083 14.633 18.074 22.229 25.989 30.201 79 7.792 9.939 13.165 15.934 19.677 24.192 28.274 32.842 80 8.454 10.781 14.273 17.271 ______ 26.202 30.610 35.544 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------- ------- ------- 0 0.222 0.222 0.228 0.249 0.326 0.414 0.547 0.678 15 1 0.222 0.222 0.228 0.249 0.326 0.414 0.547 0.678 16 2 0.218 0.224 0.245 0.320 0.406 0.536 0.663 0.795 17 3 0.222 0.242 0.315 0.399 0.526 0.650 0.779 0.896 18 4 0.239 0.311 0.394 0.518 0.639 0.765 0.879 0.971 19 5 0.309 0.390 0.512 0.631 0.754 0.865 0.954 0.996 20 6 0.388 0.50_ 0.625 0.746 0.854 0.941 0.981 0.750 21 7 0.506 0.622 0.740 0.846 0.931 0.969 0.733 0.719 22 8 0.623 0.740 0.844 0.926 0.962 0.719 0.704 0.699 23 9 0.740 0.843 0.923 0.957 0.708 0.692 0.686 0.685 24 10 0.841 0.920 0.953 0.698 0.682 0.675 0.673 0.660 25 11 0.902 0.930 0.673 0.655 0.646 0.642 0.628 0.620 26 12 0.906 0.647 0.628 0.617 0.611 0.596 0.__6 0.568 27 13 0.629 0.602 0.589 0.581 0.563 0.552 0.532 0.548 28 14 0.588 0.568 0.558 0.539 0.527 0.506 0.519 0.529 29 15 0.559 0.537 0.521 0.507 0.485 0.495 0.502 0.508 30 16 0.530 0.509 0.4_9 0.471 0.479 0.485 0.488 0.495 31 17 0.502 0.481 0.463 0.469 0.474 0.476 0.482 0.478 32 18 0.472 0.457 0.437 0.449 0.455 0.464 0.467 0.463 33 19 0.438 0.427 0.414 0.429 0.441 0.455 0.458 0.463 34 20 0.402 0.402 0.389 0.409 0.422 0.439 0.453 0.468 35 21 0.434 0.444 0.436 0.445 0.452 0.462 0.480 0.479 36 22 0.391 0.409 0.412 0.419 0.437 0.461 0.480 0.498 37 23 0.359 0.381 0.392 0.40_ 0.439 0.466 0.496 0.527 38 24 0.338 0.360 0.384 0.406 0.441 0.485 0.521 0.562 39 25 0.329 0.355 0.390 0.418 0.468 0._18 0.561 0.611 40 26 0.336 0.372 0.406 0.453 0.503 0.563 0.617 0.672 41 27 0.361 0.396 0.441 0.491 0.550 0.617 0.681 0.740 42 28 0.388 0.434 0.479 0.535 0.598 0.674 0.746 0.818 43 29 0.431 0.483 0.534 0.590 0.660 0.740 0.819 0.900 44 30 0.474 0.532 0.587 0.650 0.724 0.810 0.896 1.000 45 31 0.515 0.576 0.638 0.709 0.791 0.884 0.986 1.112 46 32 0.555 0.624 0.694 0.775 0.864 0.973 1.097 1.242 47 33 0.595 0.672 0.7_2 0.841 0.951 1.084 1.227 1.394 48 34 0.630 0.709 0.800 0.907 1.045 1.201 1.368 1.574 49 35 0.686 0.767 0.874 1.003 1.160 1.341 1.535 1.777 50 36 0.754 0.848 0.973 1.117 1.296 1.50_ 1._24 1.987 51 37 0.837 0.945 1.083 1.244 1.443 1.6__ 1.929 2.207 52 38 0.935 1.054 1.202 1.381 1.599 1.___ 2.158 2.448 53 39 1.043 1.173 1.336 1.529 1.768 2.___ 2.403 2.725 54 40 1.159 1.307 1.482 1.690 1.960 2.285 2.674 3.066 55 41 1.285 1.449 1.641 1.880 2.169 2.535 2.985 3.468 56 42 1.419 1.601 1.826 2.090 2.413 2.826 3.333 3.918 57 43 1.549 1.770 2.022 2.327 2.700 3.157 3.721 4.396 58 44 1.689 1.942 2.240 2.599 3.023 3.533 4.145 4.929 59 45 1.840 2.134 2.487 2.900 3.385 3.948 4.640 5.484 60 46 2.022 2.354 2.758 3.230 3.779 4.425 5.186 6.085 61 47 2.259 2.612 3.062 3.587 4.224 4.951 5.791 6.759 62 48 2.539 2.908 3.392 3.991 4.703 5.517 6.465 7.544 63 49 2.848 3.237 3.773 4.426 5.214 6.138 7.215 8.440 64 50 3.170 3.606 4.179 4.890 5.769 6.812 8.039 9.420 65 51 3.519 3.993 4.622 5.420 6.416 7.624 9.041 10.651 66 52 3.870 4.388 5.107 6.024 7.182 8.588 10.256 12.167 67 53 4.216 4.787 5.606 6.649 7.951 9.534 11.440 13.633 68 54 4.559 5.200 6.150 7.357 8.844 10.657 12.856 15.366 69 55 4.920 5.638 6.716 8.084 9.756 11.780 14.259 17.032 70 56 5.299 6.104 7.32_ 8.877 10.752 13.022 15.823 19.019 71 57 5.702 6.614 7.980 9.695 11.769 14.282 17.375 21.018 72 58 6.160 7.179 8.685 10.578 12.883 15.675 19.12_ 23.158 73 59 6.709 7._07 9.475 11.586 14.190 17.389 21.308 25.891 74 60 7.337 _.503 10.320 12.626 15.527 19.104 23.482 28.527 75 61 8.035 9.276 11.276 13.849 17.120 21.203 26.113 31.885 76 62 8.798 10.133 12.318 15.135 18.767 23.259 28.693 35.152 77 63 9.591 11.052 13.469 16.621 20.671 25.735 31.853 39.274 78 64 10.439 12.039 14.728 18.217 22.759 28.443 35.306 43.756 79 65 11.408 13.180 16.134 20.020 25.082 31.431 39.089 48.518 80 66 12.577 14.515 17.792 22.103 27.704 34.723 43.236 53.488 81 67 13.995 16.152 19.788 24.536 30.674 38.379 47.777 58.940 82 68 15.764 18.168 22.201 27.381 34.052 42.424 52.717 64.849 83 69 17.890 20.574 25.029 30.657 37._39 46.843 58.071 71.608 84 70 20.357 23.342 28.272 34.345 42.014 51.655 63.852 79.120 85 71 22.276 25.547 31.013 37.737 46.245 56.942 70.484 85.409 86 72 24.385 27.957 34.084 41.550 51.227 63.292 78.578 93.196 87 73 26.645 _0.__0 37.397 45.880 56.635 70.186 85.372 101._94 88 74 28.632 32.802 40.258 49.478 61.173 75.922 90.758 108.398 89 75 30.212 34.596 42.550 52._87 64.865 80.170 95.164 114.014 90 76 31.502 36.062 44.334 54.563 67.450 _2.568 98.144 117.704 91 77 32.809 37._41 46.137 56.688 70.049 84.997 101.145 121.419 92 78 34.853 39.857 48.913 60.075 74.226 88.890 105.969 127.309 93 79 37.8_7 43.266 53.063 65.164 _0.154 94.735 113.136 136.241 94 80 40.937 46.729 57.303 70.350 84.973 100.611 120.446 145.339 95 159.873 96 175.861 97 193.447 98 212.791 99
EXPECTED MORTALITY ASSUMPTIONS (1000q_) DOMINION LIFE ___ MEDICAL UNPROJECTED MALE NON SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ------ ------ ------ ------ ------ ------ ------ ------ 0 0.825 0.535 0.424 0.354 0.327 0.292 0.280 0.259 1 0.825 0.535 0.424 0.354 0.327 0.292 0.280 0.259 2 0.543 0.429 0.357 0.330 0.294 0.278 0.256 0.241 3 0.436 0.362 0.334 0.297 0.280 0.255 0.239 0.238 4 0.369 0.339 0.301 0.283 0.257 0.238 0.236 0.242 5 0.347 0.307 0.288 0.261 0.241 0.236 0.241 0.261 6 0.314 0.294 0.266 0.245 0.239 0.241 0.261 0.338 7 0.302 0.272 0.250 0.244 0.245 0.261 0.338 0.425 8 0.283 0.259 0.251 0.252 0.268 0.342 0.428 0.559 9 0.267 0.258 0.258 0.274 0.349 0.431 0.562 0.686 10 0.264 0.263 0.279 0.355 0.438 0.563 0.687 0.813 11 0.269 0.284 0.360 0.443 0.567 0.680 0.803 0.909 12 0.289 0.364 0.446 0.569 0.681 0.790 0.892 0.969 13 0.371 0.453 0.575 0.685 0.792 0.879 0.950 0.972 14 0.460 0.582 0.691 0.796 0.881 0.937 0.956 0.978 15 0.589 0.699 0.795 0.870 0.916 0.936 0.970 0.921 16 0.714 0.810 0.850 0.888 0.907 0.950 0.916 0.879 17 0.821 0.861 0.873 0.883 0.941 0.894 0.863 0.833 18 0.821 0.851 0.861 0.909 0.895 0.836 0.804 0.776 19 0.785 0.824 0.871 0.849 0.823 0.766 0.738 0.711 20 0.732 0.813 0.811 0.785 0.751 0.683 0.672 0.649 21 0.680 0.741 0.759 0.741 0.711 0.658 0.673 0.671 22 0.594 0.656 0.681 0.661 0.633 0.602 0.602 0.605 23 0.528 0.577 0.604 0.587 0.572 0.544 0.547 0.550 24 0.458 0.501 0.527 0.527 0.514 0.498 0.495 0.509 25 0.408 0.442 0.476 0.477 0.480 0.466 0.473 0.494 26 0.377 0.412 0.440 0.450 0.460 0.461 0.476 0.499 27 0.368 0.391 0.420 0.437 0.456 0.470 0.492 0.522 28 0.366 0.390 0.414 0.439 0.464 0.486 0.515 0.565 29 0.377 0.396 0.422 0.454 0.487 0.515 0.565 0.615 30 0.384 0.410 0.442 0.470 0.510 0.558 0.602 0.675 31 0.388 0.425 0.453 0.492 0.540 0.586 0.652 0.722 32 0.392 0.431 0.470 0.517 0.563 0.625 0.698 0.781 33 0.384 0.433 0.484 0.535 0.601 0.665 0.750 0.838 34 0.367 0.432 0.487 0.555 0.626 0.700 0.789 0.886 35 0.370 0.440 0.514 0.594 0.673 0.756 0.852 0.964 36 0.373 0.466 0.553 0.647 0.740 0.831 0.947 1.068 37 0.394 0.497 0.602 0.711 0.817 0.922 1.047 1.180 38 0.423 0.543 0.667 0.788 0.908 1.022 1.155 1.312 39 0.460 0.605 0.742 0.877 1.005 1.130 1.283 1.463 40 0.506 0.672 0.827 0.979 1.111 1.250 1.429 1.627 41 0.552 0.741 0.922 1.082 1.232 1.391 1.580 1.797 42 0.600 0.816 1.010 1.192 1.366 1.538 1.746 1.984 43 0.649 0.883 1.103 1.310 1.502 1.691 1.916 2.174 44 0.695 0.955 1.204 1.433 1.639 1.847 2.092 2.367 45 0.750 1.039 1.311 1.567 1.792 2.018 2.284 2.589 46 0.810 1.122 1.423 1.713 1.969 2.214 2.513 2.840 47 0.871 1.221 1.555 1.878 2.176 2.456 2.773 3.138 48 0.932 1.330 1.708 2.068 2.428 2.742 3.097 3.512 49 0.999 1.451 1.876 2.295 2.704 3.070 3.489 3.955 50 1.068 1.587 2.071 2.535 2.998 3.434 3.917 4.441 51 1.142 1.738 2.279 2.794 3.314 3.815 4.360 4.936 52 1.227 1.897 2.499 3.072 3.635 4.189 4.786 5.439 53 1.316 2.063 2.733 3.350 3.958 4.536 5.198 5.908 54 1.419 2.444 2.974 3.637 4.276 4.889 5.588 6.356 55 1.534 2.446 3.244 3.943 4.627 5.258 5.985 6.809 56 1.672 2.675 3.542 4.307 5.010 5.655 6.427 7.316 57 1.840 2.943 3.906 4.724 5.438 6.122 6.954 7.905 58 2.036 3.278 4.340 5.213 5.963 6.708 7.601 8.601 59 2.279 3.669 4.839 5.783 6.606 7.414 8.363 9.405 60 2.554 4.103 5.393 6.424 7.351 8.211 9.219 10.315 61 2.872 4.569 5.985 7.130 8.149 9.070 10.148 11.313 62 3.230 5.055 6.597 7.878 8.967 9.970 11.127 12.393 63 3.633 5.619 7.278 8.661 9.801 10.867 12.113 13.501 64 4.089 6.280 8.049 9.482 10.666 11.792 13.130 14.643 65 4.595 6.981 8.870 10.329 11.587 12.794 14.239 15.942 66 5.145 7.678 9.670 11.196 12.579 13.911 15.545 17.491 67 5.758 8.310 10.383 12.081 13.657 15.213 17.113 19.405 68 6.424 8.893 11.039 12.967 14.844 16.736 19.054 21.763 69 7.152 9.481 11.684 13.879 16.138 18.508 21.341 24.615 70 7.939 10.047 12.326 14.801 17.537 20.467 23.980 27.931 71 8.722 11.043 13.538 16.250 19.212 22.414 25.259 30.577 72 9.587 12.128 14.864 17.808 21.046 24.550 28.754 33.465 73 10.515 13.299 16.268 19.480 23.019 26.843 31.420 36.575 74 11.346 14.320 17.505 20.959 24.762 28.864 33.790 39.327 75 11.997 15.133 18.500 22.146 26.151 30.483 35.681 41.506 76 12.535 15.811 19.324 23.123 27.304 31.826 37.231 43.296 77 13.086 16.500 20.159 24.123 28.480 33.177 38.803 45.108 78 13.935 17.565 21.460 25.676 30.297 35.284 41.252 47.939 79 15.185 19.141 23.383 27.960 32.983 38.400 44.879 52.130 80 16.475 20.764 25.350 30.305 35.737 41.591 48.588 56.419 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------- ------- ------- ------- ------- 0 0.244 0.244 0.250 0.274 0.358 0.455 0.601 0.745 15 1 0.244 0.244 0.250 0.274 0.358 0.455 0.601 0.745 16 2 0.240 0.247 0.269 0.351 0.446 0.589 0.728 0.874 17 3 0.244 0.266 0.346 0.438 0.578 0.714 0.856 0.984 18 4 0.263 0.342 0.433 0.569 0.702 0.841 0.966 1.067 19 5 0.339 0.428 0.563 0.693 0.828 0.950 1.049 1.095 20 6 0.426 0.559 0.687 0.819 0.938 1.034 1.078 0.997 21 7 0.556 0.683 0.813 0.930 1.023 1.064 1.005 0.956 22 8 0.685 0.813 0.927 1.018 1.057 1.016 0.966 0.930 23 9 0.814 0.926 1.015 1.052 1.031 0.978 0.941 0.911 24 10 0.924 1.012 1.047 1.046 0.992 0.953 0.922 0.878 25 11 0.991 1.022 1.038 0.982 0.940 0.907 0.861 0.825 26 12 0.996 1.027 0.968 0.924 0.389 0.841 0.803 0.755 27 13 0.998 0.955 0.908 0.870 0.820 0.780 0.730 0.728 28 14 0.933 0.901 0.861 0.808 0.766 0.715 0.711 0.704 29 15 0.887 0.852 0.804 0.759 0.706 0.699 0.689 0.676 30 16 0.842 0.808 0.754 0.705 0.697 0.685 0.669 0.659 31 17 0.798 0.764 0.714 0.740 0.890 0.673 0.661 0.636 32 18 0.748 0.725 0.674 0.673 0.662 0.655 0.640 0.616 33 19 0.695 0.677 0.639 0.642 0.642 0.642 0.628 0.616 34 20 0.639 0.638 0.600 0.613 0.614 0.620 0.621 0.622 35 21 0.689 0.705 0.672 0.666 0.658 0.653 0.658 0.637 36 22 0.621 0.649 0.636 0.628 0.635 0.652 0.659 0.663 37 23 0.570 0.605 0.605 0.608 0.638 0.659 0.680 0.701 38 24 0.536 0.571 0.592 0.608 0.642 0.685 0.714 0.748 39 25 0.522 0.564 0.601 0.626 0.682 0.732 0.770 0.813 40 26 0.534 0.590 0.627 0.679 0.732 0.795 0.846 0.894 41 27 0.573 0.628 0.681 0.736 0.801 0.872 0.933 0.985 42 28 0.615 0.688 0.739 0.801 0.871 0.953 1.023 1.088 43 29 0.683 0.767 0.824 0.885 0.960 1.045 1.123 1.198 44 30 0.752 0.844 0.906 0.974 1.054 1.145 1.228 1.330 45 31 0.817 0.915 0.985 1.063 1.151 1.249 1.352 1.479 46 32 0.880 0.990 1.070 1.162 1.257 1.375 1.504 1.652 47 33 0.944 1.067 1.161 1.260 1.384 1.532 1.682 1.854 48 34 0.999 1.126 1.234 1.360 1.520 1.697 1.876 2.094 49 35 1.088 1.217 1.348 1.503 1.688 1.895 2.104 2.364 50 36 1.197 1.346 1.500 1.674 1.886 2.___ 2.384 2.643 51 37 1.329 1.500 1.670 1.864 2.101 2.___ 2.645 2.936 52 38 1.484 1.673 1.255 2.069 2.326 2.___ 2.960 3.257 53 39 1.656 1.861 2.060 2.291 2.572 2.921 3.295 3.625 54 40 1.840 2.075 2.285 2.532 2.852 3.229 3.667 4.079 55 41 2.040 2.300 2.532 2.817 3.157 3.582 4.092 4.614 56 42 2.252 2.542 2.817 3.131 3.511 3.993 4.570 5.212 57 43 2.459 2.810 3.119 3.487 3.929 4.461 5.103 5.848 58 44 2.682 3.082 3.455 3.894 4.400 4.992 5.684 6.557 59 45 2.921 3.387 3.837 4.346 4.926 5.578 6.362 7.296 60 46 3.210 3.737 4.254 4.840 5.499 6.253 7.111 8.095 61 47 3.586 4.146 4.723 5.375 6.147 6.995 7.940 8.991 62 48 4.029 4.616 5.233 5.980 6.844 7.795 8.865 10.035 63 49 4.521 5.138 5.820 6.632 7.588 8.672 9.993 11.227 64 50 5.032 5.723 6.446 7.328 8.395 9.624 11.023 12.531 65 51 5.586 6.338 7.129 8.122 9.337 10.772 12.397 14.169 66 52 6.143 6.966 7.877 9.027 10.452 12.134 14.064 16.185 67 53 6.691 7.598 8.647 9.964 11.572 13.470 15.686 18.135 68 54 7.237 8.255 9.486 11.024 12.871 15.057 17.628 20.441 69 55 7.809 8.950 10.359 12.113 14.198 16.644 19.552 22.656 70 56 8.411 9.689 11.304 13.302 15.648 18.399 21.697 25.300 71 57 9.050 10.498 12.309 14.528 17.128 20.178 23.825 27.960 72 58 9.779 11.395 13.397 15.851 18.748 22.146 26.226 30.806 73 59 10.649 12.391 14.616 17.362 20.651 24.568 29.217 34.441 74 60 11.646 13.497 15.918 18.921 22.597 26.991 32.198 37.949 75 61 12.753 14.723 17.394 20.753 24.915 29.958 35.806 42.415 76 62 13.964 16.085 19.000 22.679 27.312 32.862 39.344 46.761 77 63 15.223 17.542 20.775 24.907 30.083 36.360 43.676 52.244 78 64 16.570 19.109 22.718 27.299 33.121 40.186 48.411 58.206 79 65 18.108 20.920 24.887 30.000 36.502 44.407 53.599 64.541 80 66 19.963 23.040 27.444 33.121 40.318 49.059 59.285 71.152 81 67 22.215 25.638 30.524 36.768 44.640 54.224 65.512 78.405 82 68 25.021 28.838 34.245 41.031 49.557 59.939 72.285 86.266 83 69 28.397 32.657 38.607 45.940 55.067 66.183 79.627 95.256 84 70 32.312 37.050 43.609 51.466 61.143 72.982 87.553 105.249 85 71 35.359 40.550 47.837 56.549 67.300 80.451 96.648 114.939 86 72 38.706 44.376 52.575 62.413 74.551 89.424 107.433 126.935 87 73 42.293 48.460 57.685 68.751 82.420 99.164 118.013 139.375 88 74 45.448 52.066 62.097 74.144 39.025 107.015 126.566 150.356 89 75 47.956 54.914 65.632 78.501 94.398 112.688 133.563 159.010 90 76 50.004 57.242 68.384 81.762 98.161 116.612 133.295 164.695 91 77 52.078 59.590 71.166 84.948 101.942 120.586 143.062 170.418 92 78 55.322 63.280 75.449 90.023 107.675 126.957 150.723 179.492 93 79 60.139 68.677 81.349 97.649 115.650 136.521 162.104 193.253 94 80 64.979 74.173 88.390 105.398 123.772 146.137 173.714 207.271 95 227.999 96 250.798 97 275.878 98 303.466 99
DOMINION LIFE 881 MEDICAL UNPROJECTED MALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ------ ------ ------ ------ ------ ------ ------ ------ 18 0.739 0.775 0.793 0.853 0.880 0.870 0.851 0.838 19 0.707 0.750 0.808 0.809 0.822 0.810 0.797 0.782 20 0.659 0.745 0.763 0.759 0.762 0.738 0.739 0.731 21 0.616 0.690 0.725 0.728 0.736 0.724 0.758 0.776 22 0.546 0.619 0.661 0.663 0.668 0.679 0.696 0.720 23 0.492 0.553 0.599 0.599 0.617 0.629 0.651 0.686 24 0.434 0.490 0.532 0.551 0.569 0.593 0.617 0.653 25 0.394 0.441 0.492 0.512 0.548 0.581 0.608 0.648 26 0.372 0.421 0.467 0.498 0.549 0.593 0.624 0.671 27 0.371 0.410 0.459 0.506 0.561 0.616 0.663 0.719 28 0.379 0.421 0.473 0.523 0.583 0.654 0.709 0.782 29 0.402 0.447 0.497 0.552 0.628 0.709 0.782 0.869 30 0.429 0.478 0.532 0.588 0.672 0.771 0.851 0.961 31 0.446 0.505 0.559 0.629 0.715 0.828 0.928 1.045 32 0.461 0.526 0.593 0.664 0.762 0.890 1.010 1.142 33 0.463 0.540 0.614 0.702 0.820 0.962 1.097 1.243 34 0.453 0.541 0.630 0.734 0.869 1.024 1.170 1.331 35 0.458 0.563 0.671 0.798 0.943 1.121 1.280 1.459 36 0.471 0.601 0.734 0.878 1.052 1.248 1.434 1.628 37 0.503 0.652 0.807 0.978 1.175 1.396 1.596 1.818 38 0.548 0.720 0.908 1.099 1.318 1.558 1.780 2.033 39 0.603 0.813 1.022 1.233 1.469 1.742 1.988 2.255 40 0.672 0.915 1.149 1.386 1.640 1.937 2.204 2.498 41 0.742 1.017 1.290 1.548 1.829 2.145 2.427 2.750 42 0.814 1.127 1.427 1.714 2.019 2.362 2.671 3.024 43 0.886 1.232 1.567 1.875 2.210 2.587 2.919 3.293 44 0.959 1.341 1.703 2.044 2.402 2.814 3.168 3.557 45 1.041 1.451 1.846 2.226 2.616 3.057 3.433 3.838 46 1.119 1.562 1.996 2.423 2.857 3.328 3.726 4.163 47 1.198 1.693 2.173 2.640 3.133 3.641 4.065 4.539 48 1.277 1.837 2.372 2.885 3.449 4.019 4.481 4.996 49 1.364 1.991 2.585 3.158 3.797 4.441 4.963 5.527 50 1.448 2.161 2.815 3.450 4.156 4.884 5.474 6.092 51 1.536 2.334 3.063 3.752 4.517 5.331 5.981 6.657 52 1.629 2.520 3.316 4.056 4.868 5.747 6.456 7.162 53 1.728 2.705 3.565 4.346 5.203 6.118 6.845 7.603 54 1.839 2.893 3.812 4.632 5.526 6.438 7.192 8.017 55 1.954 3.098 4.081 4.938 5 838 6.767 7.549 8.418 56 2.092 3.325 4.381 5.265 6.178 7.132 7.946 8.867 57 2.260 3.597 4.717 5.643 6.571 7 570 8.429 9.383 58 2.460 3.912 5.123 6.104 7.065 8.130 9.022 9.999 59 2.688 4.278 5.597 6.638 7.671 8.801 9.722 10.703 60 2.944 4.689 6.115 7.228 8.360 9.546 10.491 11.485 61 3.244 5.119 6.653 7.856 9.078 10.322 11.299 12.313 62 3.577 5.552 7.182 8.502 9.778 11.100 12.110 13.182 63 3.943 6.044 7.760 9.150 10.456 11.827 12.884 14.028 64 4.346 6.616 8.400 9.801 11.123 12.543 13.642 14.852 65 4.784 7.200 9.057 10.435 11.809 13.293 14.442 15.774 66 5.244 7.747 9.652 11.055 12.523 14.109 15.381 16.876 67 5.741 8.196 10.129 11.652 13.272 15.052 16.511 18.242 68 6.261 8.572 10.519 12.209 14.074 16.147 17.912 20.056 69 6.812 8.927 10.868 12.748 14.919 17.399 19.667 22.225 70 7.386 9.234 11.185 13.256 15.796 18.861 21.651 24.701 71 7.922 9.902 11.980 14.181 16.965 20.238 23.223 26.473 72 8.495 10.604 12.815 15 234 18.208 21.711 24.895 28.353 73 9.085 11.330 13.749 16.327 19.506 23.241 26.621 30.312 74 9.551 11.959 14.495 17.206 20 542 24.455 28.003 31.859 75 9.901 12.382 15.005 17.799 21.229 25.263 28.906 32.857 76 10.136 12.671 15.344 18.186 21.682 25.782 29.473 33.473 77 10.363 12.945 15.664 18.558 22.107 26.264 29.999 34.033 78 10.804 13.485 16.31l 19.309 22.981 27.279 31.125 35.280 79 11.521 14.375 17.372 20.547 24.433 28.972 33.029 37.399 80 12.227 15.243 18.404 21.749 25.835 30.609 34.857 39.431 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------- ------- ------- 18 0.824 0.817 0.811 0.869 0.931 0 988 1.025 1.054 33 19 0.783 0.783 0.792 0.867 0.930 0.989 1.032 1.078 34 20 0.738 0.760 0.778 0.852 0.908 0.979 1.045 1.095 35 21 0.820 0.878 0.898 0.947 0.998 1.055 1.113 1.145 36 22 0.774 0.834 0.868 0.916 0.986 1.058 1.137 1.200 37 23 0.733 0.794 0.847 0.907 0.996 1.092 1.184 1.290 38 24 0.703 0.769 0.848 0.911 1.022 1.145 1.263 1.391 39 25 0.703 0.776 0.865 0.959 1.095 1.243 1.375 1.533 40 26 0.735 0.817 0.921 1.048 1.195 1.364 1.534 1.706 41 27 0.792 0.888 1.010 1.153 1.320 1.517 1.712 1.896 42 28 0.869 0.981 1.113 1.269 1.456 1.679 1.892 2.110 43 29 0.974 1.110 1.254 1.422 1.626 1.857 2.093 2.347 44 30 1.088 1.235 1.398 1.584 1.799 2.049 2.312 2.621 45 31 1.195 1.357 1.539 1.744 1.979 2.259 2.560 2.901 46 32 1.306 1.486 1.687 1.919 2.184 2.501 2.833 3.227 47 33 1.418 1.616 1.842 2.103 2.417 2.772 3.156 3.606 48 34 1.513 1.718 1.979 2.282 2.643 3.060 3.505 4.057 49 35 1.660 1.876 2.174 2 511 2.923 3.402 3.917 4.553 50 36 1.844 2.085 2.408 2.785 3.254 3.800 4.374 5.051 51 37 2.059 2.313 2.670 3.088 3.609 4.214 4.856 5 535 52 38 2.288 2.570 2.953 3.416 3.972 4.636 5.360 6.070 53 39 2.544 2.847 3.267 3.758 4.359 5.08l 5.900 6.669 54 40 2.815 3.161 3.602 4.123 4.768 5.554 6.481 7.378 55 41 3.109 3.483 3.960 4 524 5.218 6.082 7.112 8.199 56 42 3.411 3.820 4.346 4.972 5.728 6.666 7.803 9.094 57 43 3.695 4.166 4.759 5.466 6.301 7.316 8.552 10.032 58 44 3.975 4.517 5.202 6.001 6.933 8 038 9.366 10.98l 59 45 4.281 4.900 5.680 6.579 7.620 8.830 10.235 11.940 60 46 4.644 5.316 6.188 7.193 8.364 9.664 11.180 12.984 61 47 5.100 5.794 6.743 7.855 9.127 10.564 12.234 14.138 62 48 5.631 6.333 7.346 8.531 9.931 11.538 13.390 15.468 63 49 6.202 6.930 7.978 9.247 10.792 12.584 14.648 16.947 64 50 6.787 7.537 8 635 10.013 11.705 13.690 15.984 18.526 65 51 7.356 8.157 9.359 10.879 12.761 15.005 17.607 20.506 66 52 7.906 8.786 10.137 11.853 13.989 16.555 19.552 22.917 67 53 8.440 9.395 10.908 12.812 15.168 17.990 21.336 25.102 68 54 8.948 10.005 11.719 13.884 16.515 19.675 22.438 27.651 69 55 9.465 10.623 12.535 14.934 17.825 21.2_5 25.406 29.937 70 56 9.984 11.264 13.389 16.045 19.203 22.965 27.539 32.633 71 57 10.521 11.947 14.265 17.130 20.542 24.625 29.519 35.183 72 58 11.128 12.688 15.176 18.266 21.964 26.361 31.701 37.799 73 59 11.857 13.486 16.181 19.543 23.617 28 530 34.437 41.176 74 60 12.675 14.356 17.215 20.719 25.211 30.563 36.977 44.476 75 61 13.565 15.297 18.362 22.246 27.105 33.052 40.311 48.703 76 62 14.509 16.314 19.568 23.705 28.950 35.543 43.397 52.591 77 63 15.440 17.358 20.864 25.366 31.260 38.529 47.187 57.524 78 64 16.396 18.437 22.229 27.254 33.719 41.709 51.204 62.716 79 65 17.471 19.667 23.872 29.345 36.399 45.122 55.476 68.024 80 66 11.766 21.233 25.792 31.732 39.360 48.781 60.022 73.305 81 67 20.473 23.149 28.097 34.486 42.645 52.740 64.834 78.934 82 68 22.592 25.504 30.860 37.660 46.309 56.987 69.905 84.816 83 69 25.113 28.274 34.045 41.246 50.300 61.488 75.204 91.399 84 70 27.976 31.391 37.618 45.158 54.577 66.218 30.698 98.506 85 71 29.958 33.606 40.336 48.496 58.667 71.238 96.892 105.141 86 72 32.078 35.949 43.320 52.273 63.423 77.236 94.428 113.368 87 73 34.262 38.363 46.418 56.194 68._94 83.491 101.823 122.826 88 74 35.978 40.253 48.766 59.113 72.014 87.985 107.382 129.779 89 75 37.075 41.432 50.275 61.010 74.390 91.649 111.407 134.875 90 76 37.727 42.127 51.063 61.906 75.985 93.542 113.401 137.264 91 77 38.326 42.750 51.769 63.178 77.487 95.351 115.282 139.521 92 78 39.688 44.227 53.913 65.743 80.599 99.039 119.273 145.527 93 79 42.031 47.148 57.430 70.002 85.766 104.520 126.961 155.098 94 80 44.609 50.002 60.880 74.161 90.811 110.708 134.653 164.658 95 181.124 96 199.237 97 219.160 98 241.076 99
EXPECTED MORTALITY ASSUMPTIONS (______) DOMINION LIFE 881 MEDICAL UNPROJECTED MALE SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 18 0.821 0.911 0.985 1.643 1.705 1.678 1.641 1.616 1.588 19 0.785 0.882 1.555 1.558 1.592 1.562 1.537 1.508 1.509 20 0.732 1.359 1.469 1.462 1.476 1.423 1.425 1.409 1.424 21 1.060 1.257 1.396 1.402 1.426 1.396 1.462 1.497 1.581 22 0.941 1.128 1.272 1.275 1.294 1.309 1.342 1.389 1.493 23 0.847 1.009 1.153 1.153 1.196 1.212 1.256 1.322 1.412 24 0.747 0.894 1.023 1.061 1.103 1.144 1.190 1.260 1.355 25 0.679 0.803 0.946 0.985 1.062 1.120 1.172 1.248 1.355 26 0.640 0.768 0.898 0.958 1.064 1.143 1.204 1.294 1.417 27 0.639 0.747 0.884 0.973 1.087 1.188 1.277 1.385 1.527 28 0.653 0.768 0.911 1.007 1.130 1.261 1.367 1.507 1.675 29 0.693 0.816 0.957 1.063 1.216 1.367 1.507 1.675 1.877 30 0.738 0.871 1.024 1.132 1.302 1.487 1.640 1.852 2.097 31 0.768 0.922 1.077 1.211 1.386 1.596 1.790 2.015 2.303 32 0.794 0.958 1.141 1.277 1.476 1.715 1.947 2.201 2.518 33 0.797 0.984 1.183 1.351 1.589 1.854 2.114 2.396 2.734 34 0.779 0.987 1.214 1.413 1.683 1.974 2.255 2.566 2.918 35 0.790 1.027 1.291 1.536 1.826 2.162 2.467 2.813 3.200 36 0.812 1.097 1.413 1.689 2.038 2.407 2.764 3.139 3.555 37 0.867 1.190 1.554 1.883 2.276 2.691 3.078 3.505 3.970 38 0.943 1.312 1.747 2.115 2.553 3.004 3.432 3.920 4.410 39 1.038 1.483 1.966 2.373 2.846 3.358 3.833 4.348 4.904 40 1.157 1.668 2.211 2.669 3.178 3.734 4.248 4.816 5.427 41 1.279 1.855 2.483 2.980 3.544 4.136 4.679 5.301 5.994 42 1.402 2.056 2.746 3.300 3.911 4.554 5.150 5.829 6.576 43 1.526 2.247 3.017 3.610 4.281 4.987 5.628 6.348 7.124 44 1.652 2.445 3.278 3.934 4.654 5.426 6.108 6.858 7.664 45 1.793 2.646 3.553 4.284 5.069 5.893 6.618 7.398 8.254 46 1.927 2.849 3.843 4.663 5.536 6.415 7.183 8.026 8.954 47 2.063 3.086 4.183 5.082 6.070 7.019 7.837 8.751 9.833 48 2.200 3.350 4.565 5.554 6.683 7.748 8.638 9.631 10.856 49 2.349 3.630 4.977 6.079 7.357 8.562 9.568 10.655 11.957 50 2.494 3.940 5.419 6.640 8.053 9.417 10.554 11.744 13.085 51 2.646 4.257 5.896 7.222 8.751 10.277 11.531 12.834 14.181 52 2.806 4.596 6.382 7.808 9.432 11.079 12.446 13.807 15.241 53 2.976 4.933 6.862 8.365 10.080 11.795 13.197 14.658 16.271 54 3.167 5.276 7.337 8.916 10.707 12.412 13.864 15.455 17.251 55 3.364 5.649 7.855 9.504 11.312 13.046 14.553 16.229 18.247 56 3.603 6.064 8.434 10.134 11.970 13.750 15.319 17.095 19.247 57 3.893 6.559 9.080 10.862 12.732 14.593 16.249 18.088 20.283 58 4.236 7.133 9.861 11.748 13.688 15.673 17.393 19.276 21.453 59 4.629 7.802 10.774 12.776 14.863 16.966 18.743 20.634 22.859 60 5.070 8.550 11.771 13.912 16.197 18.403 20.225 22.141 24.436 61 5.587 9.335 12.806 15.121 17.588 19.899 21.783 23.737 26.152 62 6.160 10.125 13.824 16.365 18.944 21.400 23.346 25.413 27.971 63 6.791 11.021 14.936 17.611 20.259 22.802 24.838 27.043 29.766 64 7.485 12.064 16.170 18.865 21.550 24.182 26.301 28.632 31.609 65 8.239 13.129 17.434 20.086 22.880 25.628 27.841 30.410 33.682 66 9.031 14.128 18.578 21.279 24.263 27.200 29.552 32.534 36.179 67 9.888 14.946 19.497 22.429 25.715 29.019 31.832 35.169 39.468 68 10.783 15.631 20.246 23.499 27.268 31.129 34.532 38.665 43.554 69 11.733 16.278 20.920 24.538 28.905 33.543 37.915 42.846 48.415 70 12.721 16.839 21.530 25.516 30.606 36.362 41.741 47.621 53.933 71 13.644 18.056 23.059 27.296 32.869 39.015 44.770 51.037 57.754 72 14.630 19.336 24.666 29.323 35.278 41.856 47.994 54.661 61.841 73 15.647 20.660 26.465 31.427 37.793 44.805 51.321 58.437 66.053 74 16.450 21.808 27.900 33.119 39.801 47.146 53.987 61.420 69.360 75 17.051 22.579 28.881 34.260 41.132 48.703 55.726 63.345 71.475 76 17.456 23.106 29.534 35.005 42.009 49.704 56.820 64.531 72.733 77 17.848 23.606 30.150 35.722 42.832 50.634 57.834 65.612 73.888 78 18.608 24.591 31.396 37.166 44.525 52.589 60.004 68.015 76.513 79 19.843 26.213 33.439 39.549 47.339 55.854 63.675 72.099 81.030 80 21.058 27.796 35.426 41.863 50.056 59.009 67.199 76.018 86.000 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULT ------ ------- ------- ------- ------- ------- ------- 18 1.575 1.507 1.556 1.607 1.645 1.646 1.632 33 19 1.510 1.471 1.553 1.605 1.646 1.657 1.669 34 20 1.466 1.445 1.527 1.568 1.630 1.677 1.694 35 21 1.693 1.669 1.696 1.724 1.756 1.786 1.773 36 22 1.607 1.613 1.641 1.702 1.762 1.825 1.858 37 23 1.531 1.574 1.624 1.719 1.819 1.901 1.997 38 24 1.482 1.576 1.632 1.765 1.906 2.027 2.153 39 25 1.496 1.607 1.717 1.891 2.069 2.207 2.373 40 26 1.575 1.712 1.876 2.063 2.271 2.462 2.641 41 27 1.711 1.876 2.065 2.280 2.526 2.748 2.935 42 28 1.891 2.067 2.273 2.515 2.795 3.037 3.265 43 29 2.139 2.329 2.547 2.807 3.091 3.360 3.633 44 30 2.380 2.598 2.838 3.106 3.411 3.711 4.056 45 31 2.615 2.859 3.123 3.418 3.761 4.109 4.490 46 32 2.865 3.134 3.438 3.771 4.163 4.547 4.994 47 33 3.115 3.423 3.767 4.174 4.615 5.066 5.582 48 34 3.311 3.677 4.087 4.564 5.093 5.627 6.280 49 35 3.616 4.040 4.497 5.048 5.664 6.287 7.047 50 36 4.020 4.474 4.988 5.618 6.327 7.022 7.817 51 37 4.460 4.960 5.531 6.232 7.015 7.794 8.567 52 38 4.954 5.487 6.118 6.859 7.718 8.604 9.396 53 39 5.489 6.071 6.731 7.526 8.459 9.471 10.323 54 40 6.094 6.693 7.384 8.232 9.247 10.403 11.420 55 41 6.715 7.358 8.102 9.009 10.124 11.415 12.691 56 42 7.364 8.075 8.905 9.890 11.097 12.525 14.075 57 43 8.031 8.842 9.789 10.880 12.180 13.727 15.528 58 44 8.709 9.666 10.747 11.971 13.381 15.034 16.996 59 45 9.446 10.555 11.784 13.158 14.700 16.429 18.482 60 46 10.249 11.498 12.883 14.441 16.087 17.945 20.097 61 47 11.170 12.530 14.068 15.760 17.587 19.638 21.883 62 48 12.208 13.650 15.279 17.147 19.208 21.493 23.941 63 49 13.360 14.823 16.561 18.634 20.949 23.512 26.231 64 50 14.530 16.044 17.934 20.210 22.790 25.657 28.675 65 51 15.725 17.390 19.485 22.033 24.980 28.262 31.739 66 52 16.938 18.835 21.229 24.153 27.560 31.384 35.472 67 53 18.112 20.268 22.947 26.190 29.949 34.249 38.853 68 54 19.288 21.775 24.868 28.517 32.___ 37.622 42.798 69 55 20.479 23.291 26.747 30.777 35.___ 40.781 46.336 70 56 21.715 24.878 28.738 33.156 38.___ 44.205 50.510 71 57 23.031 26.505 30.680 35.469 40.962 47.384 54.456 72 58 24.461 28.198 32.715 37.925 43.385 50.886 58.506 73 59 26.000 30.066 35.002 40.779 47.495 55.278 63.732 74 60 27.676 31.986 37.234 43.530 50.881 59.355 68.840 75 61 29.491 34.118 38.343 46.801 55.023 64.707 75.384 76 62 31.450 36.358 42.457 49.987 59.170 69.661 81.401 77 63 33.463 38.766 45.431 53.975 64.141 75.743 89.037 78 64 35.544 41.302 48.813 58.222 69.436 82.191 97.072 79 65 37.915 44.355 52.558 62.848 75.118 89.049 105.289 80 66 40.935 47.922 56.834 67.961 81.208 95.346 113.462 81 67 44.627 52.206 61.766 73.633 87.800 104.071 122.175 82 68 49.168 57.339 67.451 79.960 94.870 112.211 131.279 83 69 54.508 63.258 73.873 86.851 102.362 120.716 141.469 84 70 60.517 69.896 80.897 94.235 110.237 129.536 152.470 85 71 64.788 74.947 86.858 101.298 118.594 139.477 163.086 86 72 69.305 80.491 93.623 109.509 128.580 151.575 176.249 87 73 73.958 86.248 100.646 118.093 138.993 163.059 191.381 88 74 77.602 90.609 105.874 124.343 146.473 172.284 202.506 89 75 79.875 93.414 109.272 128.446 152.563 178.961 210.659 90 76 81.214 94.879 110.876 131.200 155.399 182.270 214.483 91 77 82.416 96.190 113.154 133.793 158.109 185.392 218.093 92 78 85.263 100.173 117.749 139.167 163.753 192.014 227.703 93 79 90.895 106.708 125.377 148.089 173.186 204.771 243.017 94 80 96.396 113.119 132.826 156.366 183.835 217.534 258.313 95 284.144 96 312.559 97 343.815 98 378.196 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 MEDICAL UNPROJECTED FEMALE PREFERRED NONSMOKER
[X] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ----- ----- ----- ------ ------ ------ ------ ------ ------ 0 0.402 0.254 0.211 0.172 0.161 0.147 0.136 0.122 0.112 1 0.402 0.254 0.211 0.172 0.161 0.147 0.136 0.122 0.112 2 0.254 0.197 0.172 0.156 0.141 0.136 0.122 0.112 0.108 3 0.197 0.160 0.156 0.136 0.131 0.122 0.112 0.108 0.108 4 0.160 0.145 0.136 0.126 0.117 0.112 0.108 0.108 0.115 5 0.145 0.127 0.126 0.113 0.107 0.108 0.108 0.115 0.147 6 0.127 0.118 0.113 0.104 0.104 0.108 0.115 0.147 0.182 7 0.118 0.106 0.104 0.100 0.104 0.115 0.147 0.182 0.234 8 0.106 0.097 0.100 0.100 0.111 0.147 0.182 0.234 0.283 9 0.097 0.094 0.100 0.107 0.141 0.182 0.234 0.283 0.332 10 0.094 0.094 0.107 0.136 0.174 0.234 0.283 0.332 0.374 11 0.094 0.100 0.136 0.168 0.224 0.283 0.332 0.374 0.405 12 0.100 0.127 0.168 0.217 0.271 0.332 0.374 0.405 0.416 13 0.127 0.157 0.217 0.262 0.318 0.374 0.405 0.416 0.309 14 0.157 0.203 0.262 0.308 0.358 0.405 0.416 0.309 0.296 15 0.200 0.242 0.301 0.337 0.375 0.409 0.309 0.296 0.287 16 0.242 0.281 0.324 0.347 0.375 0.303 0.296 0.237 0.278 17 0.284 0.305 0.340 0.352 0.287 0.292 0.285 0.278 0.272 18 0.290 0.308 0.342 0.268 0.280 0.279 0.272 0.267 0.263 19 0.283 0.304 0.255 0.255 0.262 0.260 0.256 0.251 0.249 20 0.269 0.221 0.242 0.240 0.244 0.239 0.240 0.235 0.237 21 0.194 0.214 0.237 0.234 0.236 0.232 0.237 0.238 0.244 22 0.185 0.206 0.232 0.229 0.230 0.231 0.233 0.234 0.242 23 0.181 0.200 0.228 0.225 0.229 0.232 0.233 0.237 0.246 24 0.174 0.193 0.222 0.224 0.230 0.236 0.236 0.243 0.255 25 0.169 0.186 0.217 0.222 0.233 0.241 0.245 0.255 0.271 26 0.161 0.178 0.207 0.214 0.231 0.245 0.252 0.266 0.2_5 27 0.161 0.175 0.204 0.216 0.236 0.256 0.270 0.287 0.313 28 0.164 0.177 0.205 0.220 0.243 0.270 0.287 0.313 0.345 29 0.169 0.181 0.209 0.227 0.256 0.287 0.313 0.345 0.382 30 0.175 0.190 0.221 0.240 0.273 0.313 0.342 0.382 0.427 31 0.179 0.198 0.231 0.254 0.290 0.337 0.373 0.415 0.469 32 0.180 0.201 0.239 0.264 0.305 0.356 0.399 0.446 0.504 33 0.176 0.202 0.243 0.275 0.322 0.378 0.426 0.477 0.537 34 0.171 0.202 0.250 0.287 0.340 0.402 0.453 0.509 0.573 35 0.171 0.208 0.262 0.307 0.365 0.433 0.488 0.551 0.621 36 0.171 0.215 0.278 0.329 0.394 0.468 0.532 0.598 0.671 37 0.177 0.226 0.297 0.355 0.427 0.508 0.576 0.650 0.730 38 0.190 0.247 0.329 0.394 0.474 0.562 0.636 0.721 0.812 39 0.207 0.275 0.366 0.437 0.523 0.622 0.705 0.800 0.905 40 0.223 0.300 0.400 0.478 0.568 0.674 0.767 0.872 0.984 41 0.239 0.324 0.436 0.519 0.617 0.733 0.831 0.943 1.068 42 0.259 0.356 0.478 0.570 0.681 0.808 0.916 1.039 1.178 43 0.274 0.378 0.511 0.612 0.733 0.870 0.983 1.115 1.262 44 0.288 0.400 0.545 0.655 0.782 0.929 1.051 1.190 1.347 45 0.304 0.424 0.579 0.700 0.836 0.993 1.125 1.274 1.441 46 0.320 0.448 0.615 0.747 0.898 1.068 1.211 1.373 1.554 47 0.336 0.476 0.656 0.801 0.972 1.159 1.312 1.487 1.702 48 0.351 0.506 0.704 0.864 1.061 1.269 1.436 1.631 1.876 49 0.368 0.539 0.757 0.937 1.158 1.391 1.585 1.800 2.063 50 0.383 0.577 0.816 1.014 1.258 1.524 1.742 1.980 2.251 51 0.410 0.632 0.900 1.120 1.393 1.697 1.944 2.208 2.498 52 0.441 0.691 0.989 1.233 1.531 1.868 2.141 2.432 2.748 53 0.474 0.753 1.084 1.348 1.671 2.029 2.324 2.642 2.992 54 0.512 0.821 1.182 1.467 1.811 2.186 2.499 2._42 3.235 55 0.554 0.897 1.292 1.596 1.959 2.352 2.676 3.043 3.489 56 0.606 0.983 1.416 1.742 2.122 2.528 2.873 3.268 3.755 57 0.668 1.085 1.561 1.911 2.302 2.737 3.107 3.529 4.042 58 0.742 1.208 1.735 2.108 2.524 2.997 3.393 3.841 4.368 59 0.830 1.352 1.934 2.338 2.794 3.310 3.735 4.202 4.755 60 0.931 1.512 2.154 2.596 3.107 3.667 4.118 4.606 5.200 61 1.046 1.683 2.390 2.879 3.446 4.052 4.532 5.051 5.693 62 1.176 1.861 2.632 3.183 3.793 4.452 4.968 5.532 6.225 63 1.322 2.067 2.905 3.500 4.145 4.852 5.407 6.019 6.777 64 1.487 2.312 3.213 3.830 4.509 5.264 5.854 6.519 7.358 65 1.671 2.570 3.540 4.171 4.898 5.704 6.339 7.079 8.01_ 66 1.872 2.826 3.858 4.521 5.310 6.193 6.903 7.744 8.804 67 2.094 3.058 4.142 4.872 5.758 6.755 7.577 8.558 9.764 68 2.336 3.272 4.398 5.222 6.242 7.410 8.403 9.565 10.962 69 2.600 3.484 4.649 5.575 6.766 8.163 9.380 10.784 12.392 70 2.883 3.686 4.892 5.928 7.324 8.996 10.506 12.189 14.048 71 3.163 4.041 5.357 6.483 7.996 9.___ 11.459 13.294 15.319 72 3.467 4.426 5.859 7.080 8.732 10.713 12.501 14.498 16.704 73 3.792 4.834 6.390 7.720 9.513 11.670 13.612 15.785 18.175 74 4.076 5.188 6.854 8.274 10.195 12.505 14.582 16.900 19.455 75 4.295 5.464 7.215 8.710 10.729 13.155 15.334 17.768 20.452 76 4.473 5.687 7.508 9.062 11.158 13.677 15.938 18.465 21.247 77 4.651 5.912 7.805 9.417 11.590 14.203 16.549 19.167 22.050 78 4.934 6.272 8.277 9.981 12.2_1 15.048 17.529 20.298 23.349 79 5.358 6.808 8.980 10.827 13.321 16.317 19.002 22.002 25.306 80 5.791 7.354 9.698 11.692 14.380 17.610 20.507 23.741 27.290 [X]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------ ------- -- 0 0.108 0.108 0.115 0.147 0.182 0.234 0.283 15 1 0.108 0.108 0.115 0.147 0.182 0.234 0.283 16 2 0.108 0.115 0.147 0.182 0.234 0.283 0.332 17 3 0.115 0.147 0.182 0.234 0.283 0.332 0.374 18 4 0.147 0.182 0.234 0.283 0.332 0.374 0.405 19 5 0.182 0.234 0.283 0.332 0.374 0.405 0.416 20 6 0.234 0.283 0.332 0.374 0.405 0.416 0.326 21 7 0.283 0.332 0.374 0.405 0.416 0.323 0.313 22 8 0.332 0.374 0.405 0.416 0.320 0.310 0.303 23 9 0.374 0.405 0.416 0.317 0.307 0.300 0.296 24 10 0.405 0.416 0.314 0.304 0.297 0.293 0.287 25 11 0.416 0.311 0.302 0.295 0.291 0.284 0.280 26 12 0.309 0.299 0.292 0.288 0.282 0.278 0.268 27 13 0.296 0.289 0.286 0.279 0.275 0.266 0.276 28 14 0.287 0.283 0.277 0.273 0.264 0.274 0.281 29 15 0.278 0.274 0.271 0.261 0.272 0.279 0.287 30 16 0.272 0.266 0.259 0.269 0.276 0.285 0.293 31 17 0.265 0.258 0.268 0.275 0.283 0.291 0.293 32 18 0.259 0.253 0.264 0.275 0.285 0.291 0.296 33 19 0.249 0.245 0.260 0.273 0.285 0.294 0.304 34 20 0.241 0.239 0.256 0.269 0.287 0.303 0.318 35 21 0.252 0.255 0.269 0.285 0.304 0.327 0.345 36 22 0.253 0.262 0.276 0.298 0.324 0.354 0.381 37 23 0.260 0.274 0.290 0.318 0.350 0.380 0.416 38 24 0.274 0.296 0.315 0.350 0.389 0.425 0.466 39 25 0.294 0.322 0.351 0.394 0.439 0.479 0.526 40 26 0.314 0.347 0.386 0.430 0.482 0.530 0.577 41 27 0.348 0.385 0.428 0.478 0.535 0.588 0.635 42 28 0.385 0.424 0.471 0.525 0.587 0.644 0.700 43 29 0.430 0.473 0.521 0.578 0.643 0.706 0.772 44 30 0.480 0.527 0.578 0._86 0.706 0.775 0.855 45 31 0.526 0.577 0.635 0.699 0.775 0.853 0.948 46 32 0.566 0.622 0.685 0.756 0.839 0.929 1.036 47 33 0.606 0.670 0.742 0.827 0.929 1.036 1.160 48 34 0.644 0.719 0.803 0.909 1.030 1.155 1.308 49 35 0.696 0.779 0.877 0.996 1.132 1.271 1.446 50 36 0.753 0.848 0.956 1.090 1.24_ 1.398 1.585 51 37 0.821 0.924 1.042 1.188 1.3__ 1.534 1.724 52 38 0.914 1.021 1.147 1.301 1.4__ 1.686 1.878 53 39 1.015 1.131 1.269 1.439 1.649 1.882 2.094 54 40 1.107 1.230 1.376 1.563 1.790 2.055 2.311 55 41 1.202 1.341 1.509 1.717 1.976 2.290 2.619 56 42 1.330 1.491 1.682 1.914 2.207 2.563 2.967 57 43 1.441 1.628 1.852 2.123 2.454 2.858 3.339 58 44 1.553 1.776 2.044 2.358 2.733 3.183 3.742 59 45 1.675 1.943 2.254 2.619 3.042 3.548 4.165 60 46 1.813 2.121 2.481 2.901 3.384 3.953 4.620 61 47 1.973 2.310 2.705 3.172 3.705 4.317 5.019 62 48 2.154 2.511 2.942 3.455 4.037 4.712 5.474 63 49 2.352 2.730 3.191 3.744 4.389 5.136 5.980 64 50 2.559 2.967 3.471 4.093 4._30 5.696 6.678 65 51 2.835 3.272 3.826 4.515 5.347 6.328 7.438 66 52 3.114 3.596 4.207 4.974 5.906 7.004 8.244 67 53 3.397 3.935 4.617 5.468 6.494 7.713 9.101 68 54 3.6__ 4.292 5.060 5.995 7.116 8.460 9.967 69 55 3.995 4.677 5._34 6.562 7.739 9.271 10.880 70 56 4.327 5.092 6.044 7.178 8.527 10.156 11.967 71 57 4.690 5.543 6.600 7.855 9.340 11.136 13.191 72 58 5.089 6.031 7.200 8.588 10.237 12.227 14.492 73 59 5.532 6.562 7.837 9.378 11.220 13.426 15.921 74 60 6.025 7.138 8.529 10.236 12.292 14.738 17.482 75 61 6.564 7.799 9.357 11.302 13.671 16.461 19.664 76 62 7.161 8.531 10.275 12.483 15.174 18.372 22.084 77 63 7.790 9.349 11.356 13.915 17.079 20.836 25.336 78 64 8.461 10.196 12.437 15.332 18.903 23.162 28.354 79 65 9.227 11.189 13.760 17.080 21.215 26.166 32.206 80 66 10.127 12.315 15.171 18.865 23.470 29.004 35.605 81 67 11.232 13.711 16.942 21.111 26.317 32.631 40.108 82 68 12.585 15.344 18.886 23.427 29.098 36.060 44.241 83 69 14.198 17.324 21.264 26.276 32.566 40.409 49.859 84 70 16.052 19.589 23.942 29.450 36.384 45.163 56.170 85 71 17.500 21.501 26.444 32.713 40.614 50.642 61.521 86 72 19.070 23.680 29.401 36.664 45.852 57.213 68.357 87 73 20.745 26.03_ 32.615 40.991 51.611 62.974 75.896 88 74 22.206 28.057 35.348 44.652 56.394 67.777 82.180 89 75 23.334 29.687 37.618 47.746 59.517 71.937 87.684 90 76 24.237 30.832 39.064 49.553 61.239 74.126 90.451 91 77 25.150 31.991 40.507 51.373 62.984 76.332 93.252 92 78 26.628 33.850 42.853 54.348 65.826 79.943 97.798 93 79 28.843 36.658 46.408 58.190 70.136 85.385 104.698 94 80 31.098 39.524 50.025 61.656 74.501 90.923 111.729 95 122.902 96 135.192 97 148.712 98 163.583 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 MEDICAL UNPROJECTED FEMALE NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 0 0.543 0.339 0.259 0.209 0.187 0.161 0.150 0.134 0.123 1 0.543 0.339 0.259 0.209 0.187 0.161 0.150 0.134 0.123 2 0.343 0.262 0.211 0.189 0.163 0.150 0.134 0.123 0.119 3 0.265 0.214 0.191 0.165 0.152 0.134 0.123 0.119 0.119 4 0.216 0.194 0.167 0.154 0.136 0.123 0.119 0.119 0.127 5 0.196 0.169 0.155 0.138 0.124 0.119 0.119 0.127 0.161 6 0.171 0.157 0.139 0.126 0.121 0.119 0.127 0.161 0.200 7 0.159 0.141 0.127 0.122 0.121 0.127 0.161 0.200 0.257 8 0.143 0.129 0.124 0.122 0.128 0.161 0.200 0.257 0.311 9 0.131 0.125 0.124 0.130 0.163 0.200 0.257 0.311 0.365 10 0.126 0.125 0.131 0.165 0.202 0.257 0.311 0.365 0.411 11 0.126 0.133 0.167 0.205 0.260 0.311 0.365 0.411 0.445 12 0.135 0.169 0.207 0.264 0.315 0.365 0.411 0.445 0.457 13 0.171 0.210 0.267 0.319 0.369 0.411 0.445 0.457 0.490 14 0.212 0.270 0.323 0.374 0.416 0.445 0.457 0.490 0.470 15 0.269 0.323 0.371 0.409 0.435 0.449 0.490 0.470 0.455 16 0.326 0.375 0.398 0.421 0.435 0.481 0.470 0.455 0.441 17 0.383 0.407 0.418 0.428 0.482 0.464 0.453 0.442 0.431 18 0.391 0.411 0.421 0.470 0.469 0.443 0.431 0.424 0.418 19 0.381 0.405 0.453 0.448 0.439 0.413 0.406 0.399 0.395 20 0.362 0.425 0.430 0.421 0.409 0.379 0.381 0.373 0.376 21 0.379 0.413 0.421 0.411 0.396 0.368 0.376 0.378 0.387 22 0.361 0.397 0.411 0.401 0.386 0.367 0.369 0.371 0.384 23 0.353 0.385 0.405 0.395 0.385 0.369 0.371 0.376 0.390 24 0.338 0.372 0.394 0.393 0.386 0.374 0.375 0.385 0.405 25 0.329 0.358 0.385 0.389 0.391 0.383 0.389 0.405 0.431 26 0.314 0.342 0.368 0.376 0.388 0.389 0.400 0.422 0.453 27 0.314 0.336 0.362 0.379 0.395 0.407 0.429 0.456 0.497 28 0.319 0.340 0.364 0.386 0.407 0.429 0.456 0.497 0.547 29 0.329 0.348 0.371 0.398 0.429 0.456 0.497 0.547 0.606 30 0.342 0.366 0.393 0.421 0.457 0.497 0.543 0.606 0.678 31 0.349 0.382 0.410 0.446 0.487 0.534 0.592 0.658 0.745 32 0.351 0.388 0.424 0.464 0.511 0.565 0.633 0.709 0.800 33 0.344 0.388 0.432 0.483 0.540 0.599 0.677 0.757 0.853 34 0.333 0.389 0.443 0.504 0.570 0.638 0.720 0.808 0.909 35 0.332 0.400 0.465 0.539 0.611 0.688 0.775 0.874 0.986 36 0.332 0.414 0.493 0.577 0.661 0.742 0.844 0.949 1.066 37 0.344 0.435 0.527 0.623 0.715 0.806 0.914 1.031 1.159 38 0.370 0.475 0.585 0.691 0.794 0.892 1.010 1.144 1.289 39 0.403 0.531 0.650 0.767 0.877 0.988 1.119 1.271 1.436 40 0.435 0.578 0.710 0.839 0.953 1.069 1.218 1.384 1.562 41 0.465 0.624 0.775 0.910 1.034 1.163 1.318 1.497 1.695 42 0.505 0.685 0.849 1.000 1.142 1.283 1.454 1.649 1.869 43 0.534 0.728 0.907 1.074 1.228 1.380 1.561 1.769 2.002 44 0.562 0.770 0.967 1.149 1.311 1.475 1.668 1.889 2.139 45 0.592 0.817 1.029 1.228 1.401 1.577 1.786 2.023 2.288 46 0.624 0.863 1.092 1.311 1.506 1.695 1.932 2.179 2.467 47 0.655 0.917 1.166 1.406 1.630 1.839 2.082 2.360 2.702 48 0.685 0.975 1.250 1.516 1.779 2.014 2.279 2.589 2.977 49 0.716 1.039 1.344 1.644 1.941 2.209 2.515 2.857 3.274 50 0.747 1.111 1.449 1.779 2.108 2.419 2.766 3.143 3.373 51 0.800 1.216 1.599 1.964 2.335 2.693 3.086 3.504 3.964 52 0.859 1.332 1.757 2.164 2.567 2.965 3.398 3.860 4.361 53 0.924 1.451 1.925 2.365 2.801 3.221 3.689 4.194 4.749 54 0.998 1.581 2.100 2.574 3.036 3.470 3.967 4.511 5.135 55 1.080 1.727 2.296 2.800 3.284 3.733 4.248 4.831 5.537 56 1.180 1.893 2.515 3.057 3.557 4.013 4.560 5.188 5.960 57 1.302 2.089 2.772 3.354 3.859 4.344 4.931 5.601 6.415 58 1.446 2.326 3.082 3.700 4.231 4.756 5.386 6.097 6.934 59 1.618 2.604 3.434 4.103 4.684 5.254 5.928 6.669 7.548 60 1.814 2.911 3.827 4.555 5.209 5.821 6.537 7.311 8.253 61 2.038 3.242 4.244 5.052 5.777 6.432 7.193 8.017 9.036 62 2.292 3.585 4.675 5.585 6.358 7.067 7.885 8.781 9.882 63 2.576 3.982 5.159 6.142 6.947 7.701 8.582 9.554 10.757 64 2.897 4.452 5.708 6.721 7.559 8.355 9.291 10.347 11.679 65 3.257 4.951 6.287 7.320 8.210 9.054 10.062 11.236 12.726 66 3.649 5.443 6.853 7.933 8.901 9.830 10.956 12.292 13.975 67 4.081 5.889 7.357 8.549 9.651 10.722 12.027 13.585 15.499 68 4.552 6.301 7.811 9.163 10.463 11.762 13.339 15.183 17.400 69 5.067 6.709 8.257 9.783 11.341 12.957 14.889 17.117 19.670 70 5.618 7.100 8.688 10.402 12.277 14.279 16.676 19.348 22.298 71 6.164 7.784 9.515 11.376 13.404 15.587 18.189 21.101 24.316 72 6.757 8.524 10.406 12.424 14.636 17.006 19.843 23.013 26.514 73 7.390 9.310 11.350 13.547 15.945 18.524 21.607 25.055 28.850 74 7.943 9.991 12.173 14.518 17.088 19.849 23.147 26.826 30.881 75 8.370 10.524 12.815 15.283 17.983 20.881 24.339 28.203 32.464 76 8.717 10.952 13.335 15.901 18.704 21.709 25.298 29.310 33.726 77 9.064 11.387 13.863 16.525 19.427 22.544 26.268 30.424 35.001 78 9.617 12.079 14.701 17.514 20.586 23.886 27.824 32.219 37.062 79 10.443 13.112 15.950 18.999 22.329 25.900 30.163 34.924 40.169 80 11.286 14.164 17.225 20.516 24.104 27.953 32.550 37.684 43.317 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------- ------- ------- 0 0.119 0.119 0.127 0.161 0.200 0.257 0.311 15 1 0.119 0.119 0.127 0.161 0.200 0.257 0.311 16 2 0.119 0.127 0.161 0.200 0.257 0.311 0.365 17 3 0.127 0.161 0.200 0.257 0.311 0.365 0.411 18 4 0.161 0.200 0.257 0.311 0.365 0.411 0.445 19 5 0.200 0.257 0.311 0.365 0.411 0.445 0.457 20 6 0.257 0.311 0.365 0.411 0.445 0.457 0.433 21 7 0.311 0.365 0.411 0.445 0.457 0.443 0.416 22 8 0.365 0.411 0.445 0.457 0.452 0.425 0.403 23 9 0.411 0.445 0.457 0.462 0.434 0.411 0.394 24 10 0.445 0.457 0.471 0.443 0.420 0.402 0.381 25 11 0.457 0.480 0.452 0.429 0.411 0.390 0.373 26 12 0.490 0.461 0.438 0.419 0.398 0.381 0.357 27 13 0.470 0.446 0.428 0.406 0.389 0.365 0.368 28 14 0.455 0.436 0.415 0.397 0.373 0.376 0.374 29 15 0.441 0.423 0.405 0.380 0.384 0.382 0.382 30 16 0.431 0.410 0.388 0.392 0.390 0.390 0.390 31 17 0.421 0.399 0.402 0.400 0.400 0.399 0.390 32 18 0.410 0.391 0.396 0.400 0.403 0.399 0.393 33 19 0.395 0.378 0.390 0.397 0.403 0.404 0.405 34 20 0.383 0.369 0.384 0.391 0.405 0.416 0.423 35 21 0.399 0.393 0.403 0.415 0.429 0.448 0.459 36 22 0.401 0.404 0.413 0.433 0.457 0.485 0.506 37 23 0.413 0.422 0.435 0.463 0.495 0.521 0.553 38 24 0.434 0.456 0.472 0.510 0.550 0.583 0.620 39 25 0.466 0.497 0.526 0.573 0.621 0.657 0.699 40 26 0.498 0.535 0.578 0.626 0.681 0.727 0.768 41 27 0.552 0.594 0.641 0.696 0.756 0.806 0.845 42 28 0.611 0.654 0.705 0.764 0.830 0.884 0.931 43 29 0.682 0.729 0.780 0.842 0.908 0.969 1.027 44 30 0.761 0.812 0.866 0.928 0.993 1.063 1.138 45 31 0.835 0.891 0.951 1.018 1.095 1.170 1.261 46 32 0.899 0.959 1.027 1.100 1.185 1.274 1.378 47 33 0.962 1.033 1.111 1.204 1.312 1.421 1.544 48 34 1.023 1.108 1.203 1.323 1.455 1.583 1.740 49 35 1.104 1.202 1.314 1.450 1.599 1.743 1.923 50 36 1.195 1.307 1.433 1.586 1.75_ _.917 2.109 51 37 1.303 1.425 1.562 1.728 1.9__ _.104 2.294 52 38 1.451 1.575 1.719 1.893 2.___ 2.313 2.498 53 39 1.611 1.745 1.901 2.095 2.329 2.581 2.786 54 40 1.758 1.897 2.062 2.275 2.529 2.818 3.074 55 41 1.909 2.069 2.262 2.499 2.792 3.140 3.484 56 42 2.111 2.300 2.521 2.785 3.118 3.514 3.946 57 43 2.287 2.511 2.775 3.090 3.467 3.919 4.442 58 44 2.464 2.740 3.062 3.431 3.862 4.364 4.978 59 45 2.658 2.996 3.377 3.811 4.298 4.865 5.541 60 46 2.878 3.271 3.717 4.222 4.782 5.420 6.145 61 47 3.131 3.563 4.053 4.616 5.235 5.919 6.676 62 48 3.419 3.874 4.409 5.028 5.703 6.460 7.281 63 49 3.733 4.211 4.782 5.448 6.201 7.042 7.955 64 50 4.062 4.577 5.201 5.957 6.824 7.811 8.883 65 51 4.500 5.046 5.733 6.571 7.555 8.677 9.895 66 52 4.944 5.546 6.304 7.239 8.345 9.603 10.966 67 53 5.391 6.069 6.919 7.958 9.175 10.576 12.107 68 54 5.854 6.620 7.582 8.724 10.054 11.600 13.259 69 55 6.342 7.214 9.292 9.550 11.005 12.712 14.474 70 56 6.868 7.855 9.057 10.446 12.048 13.925 1_.919 71 57 7.444 8.549 9.890 11.432 13.196 15.269 17.547 72 58 8.077 9.303 10.789 12.498 14.463 16.765 19.277 73 59 8.781 10.122 11.744 13.648 15.853 18.410 21.179 74 60 9.563 11.010 12.780 14.896 17.366 20.209 23.256 75 61 10.419 12.030 14.022 16.448 19.316 22._71 26.158 76 62 11.366 13.158 15.396 18.167 21.439 25.191 29.378 77 63 12.365 14.421 17.017 20.251 24.131 28._70 33.703 78 64 13.430 15.728 18.637 22.312 26.707 31.759 37.718 79 65 14.645 17.259 20.620 24.857 29.974 35.879 42.841 80 66 16.075 18.995 22.733 27.455 33.160 39.770 47.364 81 67 17.829 21.150 25.387 30.723 37.183 44.743 53.353 82 68 19.976 23.669 28.300 34.093 41.112 49.445 58.852 83 69 22.536 26.722 31.863 38.240 46.012 55.409 66.325 84 70 25.479 30.216 35.877 42.859 51.405 61.928 74.720 85 71 27.778 33.165 29.627 47.608 57.382 69.441 82.964 86 72 30.270 36.527 44.057 53.357 64.783 78.389 93.496 87 73 32.929 40.163 48.873 59.654 72.920 87.537 105.112 88 74 35.247 43.278 52.969 64.981 79.148 95.165 114.793 89 75 37.038 45.791 56.371 69.484 84.257 101.772 123.273 90 76 38.471 47.558 58.537 72.114 87.076 105.249 127.535 91 77 39.921 49.345 60.700 74.757 89.931 108.751 131.851 92 78 42.267 52.214 64.215 78.546 94.581 114.487 138.865 93 79 45.783 56.545 69.542 84.271 101.634 123.129 149.486 94 80 49.361 50.965 74.932 90.112 108.778 131.924 160.319 95 176.350 96 193.985 97 213.384 98 234.722 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 MEDICAL UNPROJECTED FEMALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 18 0.352 0.374 0.388 0.439 0.461 0.463 0.459 0.459 0.460 19 0.343 0.369 0.418 0.427 0.439 0.439 0.439 0.439 0.445 20 0.326 0.389 0.405 0.409 0.416 0.410 0.419 0.420 0.435 21 0.342 0.384 0.404 0.405 0.410 0.405 0.423 0.437 0.462 22 0.332 0.376 0.401 0.403 0.408 0.413 0.427 0.443 0.475 23 0.330 0.371 0.402 0.404 0.415 0.426 0.442 0.465 0.499 24 0.322 0.365 0.397 0.410 0.428 0.446 0.464 0.493 0.534 25 0.319 0.357 0.397 0.417 0.448 0.474 0.498 0.534 0.581 26 0.309 0.349 0.390 0.417 0.459 0.498 0.528 0.569 0.622 27 0.316 0.353 0.396 0.435 0.485 0.536 0.578 0.626 0.692 28 0.331 0.368 0.413 0.458 0.514 0.578 0.626 0.692 0.772 29 0.351 0.390 0.436 0.487 0.555 0.626 0.692 0.772 0.866 30 0.379 0.424 0.475 0.527 0.601 0.692 0.766 0.866 0.981 31 0.400 0.456 0.507 0.569 0.649 0.753 0.846 0.953 1.092 32 0.414 0.474 0.534 0.599 0.690 0.807 0.916 1.038 1.187 33 0.415 0.483 0.552 0.632 0.740 0.868 0.992 1.124 1.282 34 0.409 0.490 0.573 0.668 0.791 0.935 1.068 1.215 1.378 35 0.414 0.511 0.609 0.725 0.858 1.021 1.164 1.325 1.506 36 0.420 0.536 0.654 0.785 0.940 1.115 1.278 1.450 1.641 37 0.440 0.571 0.708 0.858 1.030 1.222 1.396 1.588 1.792 38 0.479 0.631 0.796 0.964 1.153 1.362 1.555 1.769 1.985 39 0.529 0.714 0.896 1.079 1.284 1.522 1.730 1.957 2.203 40 0.578 0.787 0.986 1.189 1.406 1.654 1.876 2.122 2.387 41 0.626 0.857 1.085 1.301 1._32 1.791 2.022 2.286 2.579 42 0.685 0.948 1.199 1.436 1.685 1.968 2.221 2.509 2.832 43 0.731 1.016 1.237 1.535 1.805 2.109 2.374 2.680 3.010 44 0.775 1.079 1.366 1.636 1.919 2.243 2.527 2.839 3.175 45 0.820 1.140 1.448 1.742 2.043 2.389 2.684 3.002 3.354 46 0.861 1.199 1.530 1.852 2.186 2.548 2.854 3.193 3.571 47 0.900 1.269 1.626 1.977 2.347 2.730 3.052 3.416 3.844 48 0.937 1.345 1.738 2.115 2.530 2.951 3.298 3.683 4.161 49 0.976 1.426 1.853 2.265 2.727 3.197 3.578 3.994 4.496 50 1.014 1.513 1.973 2.421 2.923 3.441 3.866 4.315 4.817 51 1.076 1.636 2.149 2.639 3.182 3.765 4.237 4.725 5.223 52 1.142 1.769 2.332 2.858 3.438 4.071 4.582 5.085 5.610 53 1.213 1.903 2.512 3.069 3.685 4.342 4.860 5.395 5.991 54 1.293 2.038 2.692 3.281 3.922 4.571 5.103 5.691 6.352 55 1.376 2.188 2.891 3.504 4.145 4.802 5.359 5.975 6.712 56 1.477 2.356 3.110 3.738 4.384 5.063 5.640 6.289 7.077 57 1.601 2.553 3.349 4.004 4.665 5.373 5.977 6.651 7.460 58 1.746 2.777 3.635 4.333 5.015 5.766 6.396 7.089 7.890 59 1.908 3.036 3.974 4.711 5.440 6.239 6.893 7.589 8.403 60 2.089 3.329 4.341 5.126 5.926 6.768 7.438 8.139 8.984 61 2.303 3.634 4.718 5.569 6.436 7.319 8.007 8.727 9.612 62 2.539 3.938 5.091 6.028 6.933 7.867 8.583 9.340 10.267 63 2.797 4.284 5._02 6.487 7.410 8.383 9.129 9.926 10.911 64 3.081 4.691 5.956 6.946 7.883 8.888 9.654 10.495 11.557 65 3.392 5.105 6.419 7.396 8.367 9.407 10.206 11.119 12.278 66 3.718 5.490 6.841 7.833 8.862 9.970 10.841 11.860 13.137 67 4.069 5.809 7.177 8.246 9.379 10.610 11.604 12.770 14.283 68 4.438 6.074 7.443 8.628 9.920 11.347 12.539 13.992 15.711 69 4.827 6.317 7._80 8.986 10.484 12.180 13.721 15.456 17.397 70 5.227 6.526 7.884 9.316 11.058 13.159 15.057 17.111 19.307 71 5.599 6.979 8.419 9.927 11.836 14.074 16.087 18.270 20.602 72 5.988 7.452 8.971 10.628 12.662 15.040 17.181 19.499 21.973 73 6.385 7.931 9.593 11.354 13.513 16.040 18.307 20.764 23.372 74 6.686 8.343 10.080 11.919 14.177 16.818 19.182 21.733 24.448 75 6.907 8.611 10.394 12.284 14.600 17.305 19.718 22.327 25.098 76 7.049 8.778 10.589 12.507 14.852 17.588 20.028 22.660 25.447 77 7.179 8.934 10.772 12.712 15.081 17.847 20.308 22.955 25.760 78 7.457 9.274 11.173 13.172 15.616 18.467 20.993 23.712 26.589 79 7.923 9.847 1l.851 13.962 16.540 19.542 22.199 25.055 28.073 80 8.376 10.398 12.506 14.723 17.426 20.573 23.352 26.337 29.734 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------- ------- 18 0.462 0.470 0.512 0.558 0.605 0.642 0.675 33 19 0.457 0.470 0.523 0.573 0.624 0.665 0.707 34 20 0.457 0.475 0.533 0.582 0.641 0.697 0.741 35 21 0.494 0.524 0.575 0.630 0.691 0.762 0.824 36 22 0.514 0.554 0.604 0.670 0.747 0.836 0.920 37 23 0.544 0.593 0.646 0.727 0.818 0.910 1.018 38 24 0.586 0.652 0.711 0.811 0.922 1.031 1.157 39 25 0.640 0.719 0.803 0.924 1.054 1.176 1.820 40 26 0.693 0.785 0.895 1.022 1.172 1.319 1.468 41 27 0.778 0.883 1.006 1.151 1.317 1.479 1.628 42 28 0.872 0.985 1.120 1.278 1.464 1.636 1.809 43 29 0.987 1.112 1.255 1.426 1.616 1.807 2.012 44 30 1.116 1.255 1.411 1.586 1.790 2.000 2.237 45 31 1.240 1.393 1.561 1.753 1.979 2.210 2.469 46 32 1.351 1.513 1.700 1.910 2.151 2.398 2.688 47 33 1.457 1.643 1.854 2.098 2.371 2.662 2.999 48 34 1.562 1.777 2.015 2.297 2.619 2.955 3.366 49 35 1.700 1.934 2.192 2.507 2.866 3.239 3.706 50 36 1.848 2.096 2.381 2.732 3.132 3.549 4.031 51 37 2.007 2.275 2.585 2.965 3.407 3.862 4.330 52 38 2.225 2.504 2.834 3.234 3.700 4.193 4.656 53 39 2.461 2.764 3.120 3.550 4.058 4.622 5.127 54 40 2.674 2.991 3.358 3.807 4.351 4.982 5.561 55 41 2.892 3.236 3.637 4.130 4.742 5.457 6.194 56 42 3.173 3.554 4.003 4.544 5.206 6.001 6.891 57 43 3.395 3.831 4.351 4.956 5.687 6.574 7.617 58 44 3.612 4.127 4.719 5.408 6.223 7.188 8.340 59 45 3.847 4.436 5.114 5.900 6.802 7.830 9.064 60 46 4.094 4.759 5.530 6.419 7.393 8.517 9.860 61 47 4.377 5.092 5.921 6.857 7.903 9.122 10.502 62 48 4.694 5.436 6.292 7.293 8.445 9.762 11.225 63 49 5.033 5.774 6.663 7.750 9.002 10.428 12.014 64 50 5.351 6.128 7.108 8.308 9.709 11.330 13.135 65 51 5.788 6.627 7.683 8.981 10.529 12.325 14.319 66 52 6.237 7.141 8.279 9.693 11.387 13.349 15.525 67 53 6.669 7.657 8.900 10.433 12.253 14.383 16.760 68 54 7.095 8.182 9.550 11.193 13.136 15.425 17.936 69 55 7.530 8.731 10.222 11.987 14.0__ 16.519 19.125 70 56 7.986 9.303 10.923 12.821 15.0__ 17.675 20.534 71 57 8.471 9.906 11.662 13.711 16.0__ 18.920 22.081 72 58 8.992 10.540 12.432 14.642 17.216 20.266 23.653 73 59 9.559 11.207 13.219 15.609 18.410 21.698 25.319 74 60 10.172 11.907 14.043 16.620 19.664 23.207 27.256 75 61 10.825 12.701 15.031 17.893 21.310 25.411 30.036 76 62 11.528 13.552 16.092 19.256 23.188 27.787 33.043 77 63 12.235 14.481 17.330 21.043 25.571 30.869 37.112 78 64 12.957 15.389 18.606 22.716 27.722 33.594 40.642 79 65 13.767 16.555 20.170 24.788 30.459 37.137 45.151 80 66 14.814 17.852 21.782 26.804 32.973 40.262 48.798 81 67 16.098 19.469 23.814 29.351 36.164 44.283 53.715 82 68 17.667 21.331 25.976 31.858 39.090 47.819 57.862 83 69 19.513 23.566 28.606 34.931 42.750 52.331 63.642 84 70 21.588 26.063 31.488 38.2_7 46.642 57.081 69.936 85 71 23.020 27.966 33.985 41.501 50.812 62.434 75.884 86 72 24.523 30.098 36.899 45.394 55.956 69.161 83.471 87 73 26.068 32.319 39.949 49.504 61.396 75.477 92.236 88 74 27.250 33.988 42.233 52.565 65.437 80.658 98.999 89 75 27.946 35.078 43.811 54.755 68.976 84.785 104.450 90 76 28.314 35.513 44.320 55.815 70.240 86.193 106.175 91 77 28.640 35.895 45.139 56.826 71.324 87.520 107.806 92 78 29.540 37.305 46.894 59.014 73.690 90.468 112.425 93 79 31.427 39.674 49.853 62.706 77.706 96.294 119.823 94 80 33.274 41.990 52.738 66.307 82.293 102.124 127.204 95 139.924 96 153.916 97 169.308 98 186.239 99
Memorandum Addendum No. XI to the Automatic Reinsurance Agreement effective June 1, 1984 between the Life Insurance Company of Virginia and North American Reassurance Company. Effective March 1, 1994, reinsurance generated on the LV Plus III plan and the Waiver of Premium Rider shall be ceded under the above referenced Reinsurance Agreement subject to the same terms and conditions of the Agreement except as provided below: 1. Plan of Reinsurance: A. Reinsurance of Life risks shall be on the risk premium basis. The risk amount on the policy reinsured shall be calculated monthly and shall be equal to the death benefit less the cash value. At the time of issue, the Ceding Company shall cede to North American Re a portion of the initial risk amount in excess of its retention. Thereafter, the Ceding Company and North American Re shall keep the same proportionate shares of the risk amount developed each month. 2. Reinsurance Administration: A. Reinsurance shall be ceded using a bordereau format in accordance with the suggested reporting details for Universal Life products as indicated in Exhibit C of the basic Agreement. 3. Reinsurance Premiums: A. Life Premiums i) Until further notice, reinsurance premiums shall be developed as described in the Exhibit B attached to this Memorandum Addendum. North American Re guarantees that premium rates for a given attained age, rating, and duration shall not exceed the higher of the rate shown in the attached schedule (Exhibit B) for that age, rating, and duration or the one year term rate on the appropriate multiple of the applicable 1980 CSO table at the maximum statutory valuation rate approved in New York state. ii) Reinsurance premiums are annual premiums payable at the end of the month in which they become due. 4. Premium Tax Reimbursement: A. The reinsurance premiums for these plans of insurance have been calculated to reflect the Ceding Company's premium tax liability. North American Re shall not make any additional reimbursement for premium taxes. - 1 - 5. Percentage of Participation: A. North American Re's percentage of participation shall be equal to 20%, not to exceed the limits specified in Exhibit G to the Agreement to which this Memorandum Addendum is attached. IN WITNESS WHEREOF, the Company and North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. THE LIFE INSURANCE COMPANY OF VIRGINIA By: /s/ Illegible Attest: /s/ Illegible ----------------------------------- ------------------------------- Title: __ V.P. Title: V.P. and Actuary Date: April 14, 1994 Date: April 14, 1994 NORTH AMERICAN REASSURANCE COMPANY By: /s/ Illegible Attest: /s/ Illegible ----------------------------------- ------------------------------- Title: _____________________ Title: asst VP Date: 4.25.94 Date: 4/25/94 - 2 - REINSURANCE PREMIUMS I. Plan & Rider: LVPlusIII (Universal Life) Waiver of Premium Rider II. Standard Reinsurance Risk Premiums: Reinsurance on the above plan and rider shall be ceded on a bordereau basis employing annual reinsurance premiums. The reinsurance premiums shall equal the DL881 medical, unprojected, expected mortality assumptions attached to this Exhibit B, multiplied by the following factors: ISSUE PREF STD PREF STD AGE NS NS SMK SMK ---------- ---- ---- ---- ---- 0-40 1.50 1.25 1.45 1.25 41-60 1.20 1.08 1.22 1.08 61 & Older 1.20 1.15 1.35 1.15 III. Multiple Table Substandard Reinsurance Premiums: Multiple table substandard reinsurance premiums are equal to the sum of the standard premium and 20% of the standard premium for each 25% excess mortality. IV. Flat Extra Substandard Reinsurance Premiums: a) Permanent Flat Extra Premiums are ones assessed for more than 5 years. North American Re should receive its proportionate share of any such premiums less a 10% reduction in all policy years. b) Temporary Flat Extra Premiums are ones assessed for 5 years or less. North American Re should receive its proportionate share of any such premiums less a 10% reduction in all policy years. V. Maximum Amount Of Reinsurance On One Life On These Reinsurance Premiums: $10,000,000. For ceded risk amounts in excess of $10,000,000, the reinsurance premiums described in Section II, above, increased by 10%, shall apply. EXHIBIT B Page 1 of 2 VI. Reinsurance Premiums For Policies Converted To The LVPlusIII Plan: Any reinsurance in force with the North American Re on policies converted to or reissued on the LVPlusIII plan shall be continued with the North American Re. The reinsured risk amount shall be determined as described in Paragraph 1 of this Memorandum Addendum following the conversion or reissue. The applicable reinsurance premiums will be determined as described in this Exhibit B, with age and duration measured from the date of issue of the original policy. VIII. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B Page 2 of 2 EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 MEDICAL UNPROJECTED MALE PREFERRED NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ----- ------ ------ ------ ------ ------ ------ ------ ------ 0 0.612 0.401 0.345 0.291 0.282 0.266 0.255 0.236 0.222 1 0.612 0.401 0.345 0.291 0.282 0.266 0.255 0.236 0.222 2 0.402 0.322 0.290 0.272 0.253 0.253 0.233 0.219 0.218 3 0.324 0.272 0.272 0.244 0.241 0.232 0.218 0.216 0.222 4 0.274 0.255 0.245 0.233 0.222 0.217 0.215 0.220 0.239 5 0.257 0.230 0.234 0.215 0.208 0.214 0.219 0.238 0.309 6 0.233 0.221 0.216 0.202 0.206 0.219 0.237 0.308 0.388 7 0.224 0.204 0.203 0.200 0.211 0.238 0.308 0.387 0.506 8 0.209 0.194 0.204 0.207 0.231 0.311 0.390 0.509 0.623 9 0.198 0.194 0.210 0.226 0.301 0.392 0.511 0.625 0.740 10 0.195 0.197 0.227 0.292 0.377 0.512 0.625 0.740 0.841 11 0.199 0.213 0.293 0.364 0.488 0.619 0.730 0.827 0.902 12 0.214 0.273 0.363 0.469 0.587 0.719 0.812 0.882 0.906 13 0.275 0.340 0.468 0.564 0.683 0.800 0.865 0.885 0.629 14 0.341 0.436 0.562 0.655 0.759 0.853 0.870 0.616 0.588 15 0.437 0.524 0.647 0.716 0.790 0.852 0.611 0.580 0.559 16 0.529 0.608 0.692 0.731 0.781 0.599 0.577 0.554 0.530 17 0.609 0.646 0.710 0.727 0.562 0.563 0.544 0.525 0.502 18 0.609 0.638 0.700 0.518 0.534 0.527 0.507 0.489 0.472 19 0.582 0.618 0.490 0.484 0.491 0.482 0.465 0.448 0.438 20 0.542 0.422 0.456 0.448 0.448 0.431 0.423 0.409 0.402 21 0.349 0.385 0.427 0.423 0.424 0.415 0.424 0.423 0.434 22 0.305 0.340 0.383 0.376 0.378 0.380 0.379 0.381 0.391 23 0.271 0.300 0.340 0.334 0.341 0.343 0.345 0.347 0.359 24 0.235 0.260 0.297 0.300 0.307 0.314 0.312 0.320 0.338 25 0.209 0.229 0.268 0.272 0.287 0.294 0.298 0.311 0.329 26 0.194 0.214 0.248 0.257 0.274 0.291 0.300 0.314 0.336 27 0.189 0.203 0.237 0.249 0.272 0.296 0.310 0.329 0.361 28 0.188 0.203 0.233 0.250 0.277 0.306 0.325 0.356 0.338 29 0.194 0.206 0.238 0.259 0.290 0.325 0.356 0.388 0.431 30 0.197 0.213 0.249 0.268 0.304 0.351 0.379 0.425 0.474 31 0.199 0.221 0.255 0.281 0.322 0.369 0.411 0.455 0.515 32 0.201 0.224 0.264 0.294 0.336 0.393 0.440 0.492 0.555 33 0.197 0.225 0.273 0.305 0.358 0.419 0.472 0.528 0.595 34 0.188 0.224 0.274 0.316 0.374 0.441 0.497 0.558 0.630 35 0.190 0.229 0.289 0.339 0.401 0.476 0.537 0.607 0.686 36 0.191 0.242 0.311 0.368 0.441 0.524 0.597 0.673 0.754 37 0.202 0.258 0.339 0.405 0.487 0.581 0.659 0.743 0.837 38 0.217 0.282 0.376 0.449 0.542 0.644 0.728 0.827 0.935 39 0.236 0.314 0.418 0.500 0.600 0.712 0.809 0.922 1.043 40 0.260 0.349 0.466 0.558 0.663 0.788 0.900 1.025 1.159 41 0.283 0.385 0.519 0.617 0.735 0.877 0.995 1.132 1.285 42 0.308 0.424 0.568 0.679 0.815 0.969 1.100 1.250 1.419 43 0.333 0.458 0.621 0.747 0.896 1.065 1.207 1.370 1.549 44 0.357 0.496 0.678 0.817 0.978 1.164 1.318 1.491 1.689 45 0.385 0.539 0.738 0.893 1.069 1.272 1.439 1.631 1.840 46 0.416 0.583 0.801 0.976 1.175 1.395 1.583 1.789 2.022 47 0.447 0.634 0.876 1.070 1.298 1.547 1.747 1.977 2.259 48 0.478 0.691 0.961 1.179 1.449 1.727 1.951 2.213 2.539 49 0.513 0.753 1.056 1.308 1.613 1.934 2.198 2.491 2.848 50 0.548 0.824 1.166 1.445 1.789 2.163 2.468 2.798 3.170 51 0.586 0.902 1.283 1.592 1.977 2.403 2.747 3.109 3.519 52 0.630 0.985 1.407 1.751 2.169 2.639 3.015 3.426 3.870 53 0.676 1.071 1.539 1.909 2.361 2.858 3.275 3.722 4.216 54 0.728 1.165 1.675 2.073 2.551 3.080 3.521 4.004 4.559 55 0.787 1.270 1.826 2.247 2.760 3.313 3.771 4.289 4.920 56 0.858 1.389 1.994 2.454 2.989 3.563 4.049 4.609 5.299 57 0.944 1.528 2.199 2.692 3.244 3.857 4.381 4.980 5.702 58 1.045 1.702 2.444 2.971 3.558 4.226 4.789 5.419 6.160 59 1.169 1.905 2.725 3.296 3.941 4.671 5.268 5.925 6.709 60 1.311 2.130 3.036 3.661 4.385 5.173 5.808 6.498 7.337 61 1.474 2.372 3.370 4.063 4.862 5.714 6.393 7.127 8.035 62 1.658 2.625 3.715 4.490 5.349 6.281 7.010 7.808 8.798 63 1.864 2.918 4.098 4.936 5.847 6.846 7.631 8.506 9.591 64 2.098 3.261 4.532 5.404 6.363 7.429 8.272 9.225 10.439 65 2.358 3.625 4.994 5.886 6.912 8.061 8.970 10.043 11.408 66 2.640 3.987 5.444 6.381 7.504 8.764 9.793 11.019 12.577 67 2.954 4.315 5.846 6.885 8.148 9.584 10.781 12.225 13.995 68 3.296 4.618 6.215 7.390 8.856 10.543 12.004 13.710 15.764 69 3.670 4.923 6.579 7.910 9.627 11.660 13.445 15.507 17.890 70 4.073 5.217 6.940 8.435 10.462 12.894 15.107 17.596 20.357 71 4.476 5.734 7.622 9.261 11.462 14.121 16.543 19.264 22.276 72 4.919 6.297 8.369 10.148 12.556 15.466 18.115 21.083 24.385 73 5.395 6.905 9.159 11.101 13.733 16.911 19.795 23.042 26.645 74 5.822 7.435 9.856 11.944 14.773 18.184 21.287 24.776 28.632 75 6.156 7.858 10.416 12.621 15.601 19.204 22.479 26.149 30.212 76 6.432 8.209 10.880 13.177 16.289 20.050 23.456 27.277 31.502 77 6.715 8.567 11.350 13.747 16.991 20.902 24.446 28.418 32.809 78 7.150 9.120 12.083 14.633 18.074 22.229 25.989 30.201 34.853 79 7.792 9.939 13.165 15.934 19.677 24.192 28.274 32.842 37.887 80 8.454 10.781 14.273 17.271 21.320 26.202 30.610 35.544 40.937 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------- ------- ------- 0 0.222 0.228 0.249 0.326 0.414 0.547 0.678 15 1 0.222 0.228 0.249 0.326 0.414 0.547 0.678 16 2 0.224 0.245 0.320 0.406 0.536 0.663 0.795 17 3 0.242 0.315 0.399 0.526 0.650 0.779 0.896 18 4 0.311 0.394 0.518 0.639 0.765 0.879 0.971 19 5 0.390 0.512 0.631 0.754 0.865 0.954 0.996 20 6 0.508 0.625 0.746 0.854 0.941 0.981 0.750 21 7 0.622 0.740 0.846 0.931 0.969 0.733 0.719 22 8 0.740 0.844 0.926 0.962 0.719 0.704 0.699 23 9 0.843 0.923 0.957 0.708 0.692 0.686 0.685 24 10 0.920 0.953 0.698 0.682 0.675 0.673 0.660 25 11 0.930 0.673 0.655 0.646 0.642 0.628 0.620 26 12 0.647 0.628 0.617 0.611 0.596 0.566 0.568 27 13 0.602 0.589 0.581 0.563 0.552 0.532 0.548 28 14 0.568 0.558 0.539 0.527 0.506 0.519 0.529 29 15 0.537 0.521 0.507 0.485 0.495 0.502 0.508 30 16 0.509 0.489 0.471 0.479 0.485 0.488 0.495 31 17 0.481 0.463 0.469 0.474 0.476 0.482 0.478 32 18 0.457 0.437 0.449 0.455 0.464 0.467 0.463 33 19 0.427 0.414 0.429 0.441 0.455 0.458 0.463 34 20 0.402 0.389 0.409 0.422 0.439 0.453 0.468 35 21 0.444 0.436 0.445 0.452 0.462 0.480 0.479 36 22 0.409 0.412 0.419 0.437 0.461 0.480 0.498 37 23 0.381 0.392 0.406 0.439 0.466 0.496 0.527 38 24 0.360 0.384 0.406 0.441 0.485 0.521 0.562 39 25 0.355 0.390 0.418 0.468 0.518 0.561 0.611 40 26 0.372 0.405 0.453 0.503 0.563 0.617 0.672 41 27 0.396 0.441 0.491 0.550 0.617 0.681 0.740 42 28 0.434 0.479 0.535 0.598 0.674 0.746 0.818 43 29 0.483 0.534 0.590 0.660 0.740 0.819 0.900 44 30 0.532 0.587 0.650 0.724 0.810 0.896 1.000 45 31 0.576 0.638 0.709 0.791 0.884 0.986 1.112 46 32 0.624 0.694 0.775 0.864 0.973 1.097 1.242 47 33 0.672 0.752 0.841 0.951 1.084 1.227 1.394 48 34 0.709 0.800 0.907 1.045 1.201 1.368 1.574 49 35 0.767 0.874 1.003 1.160 1.341 1.535 1.777 50 36 0.848 0.973 1.117 1.296 1.504 1.724 1.987 51 37 0.945 1.083 1.244 1.443 1.678 1.929 2.207 52 38 1.054 1.202 1.381 1.599 1.860 2.158 2.448 53 39 1.173 1.336 1.529 1.768 2.067 2.403 2.725 54 40 1.307 1.482 1.690 1.960 2.285 2.674 3.066 55 41 1.449 1.641 1.880 2.169 2.535 2.985 3.468 56 42 1.601 1.826 2.090 2.413 2.826 3.333 3.918 57 43 1.770 2.022 2.327 2.700 3.157 3.721 4.396 58 44 1.942 2.240 2.599 3.023 3.533 4.145 4.929 59 45 2.134 2.487 2.900 3.385 3.948 4.640 5.484 60 46 2.354 2.758 3.230 3.779 4.425 5.186 6.085 61 47 2.612 3.062 3.587 4.224 4.951 5.791 6.759 62 48 2.908 3.392 3.991 4.703 5.517 6.465 7.544 63 49 3.237 3.773 4.426 5.214 6.138 7.215 8.440 64 50 3.606 4.179 4.890 5.769 6.812 8.039 9.420 65 51 3.993 4.622 5.420 6.416 7.624 9.041 10.651 66 52 4.388 5.107 6.024 7.182 8.588 10.256 12.167 67 53 4.787 5.606 6.649 7.951 9.534 11.440 13.633 68 54 5.200 6.150 7.357 8.844 10.657 12.856 15.366 69 55 5.638 6.716 8.084 9.756 11.780 14.259 17.032 70 56 6.104 7.323 8.877 10.752 13.022 15.823 19.019 71 57 6.614 7.980 9.695 11.769 14.282 17.375 21.018 72 58 7.179 8.685 10.578 12.883 15.675 19.126 23.158 73 59 7.807 9.475 11.586 14.190 17.389 21.308 25.891 74 60 8.503 10.320 12.626 15.527 19.104 23.482 28.527 75 61 9.276 11.276 13.849 17.120 21.203 26.113 31.885 76 62 10.133 12.318 15.135 18.767 23.259 28.693 35.152 77 63 11.052 13.469 16.621 20.671 25.735 31.853 39.274 78 64 12.039 14.728 18.217 22.759 28.443 35.306 43.756 79 65 13.180 16.134 20.020 25.082 31.431 39.089 48.518 80 66 14.515 17.792 22.103 27.704 34.723 43.236 53.488 81 67 16.152 19.788 24.536 30.674 38.379 47.777 58.940 82 68 18.168 22.201 27.381 34.052 42.424 52.717 64.849 83 69 20.574 25.029 30.657 37.839 46.843 58.071 71.608 84 70 23.342 28.272 34.345 42.014 51.655 63.852 79.120 85 71 25.547 31.013 37.737 46.245 56.942 70.484 85.409 86 72 27.957 34.084 41.650 51.227 63.292 78.578 93.196 87 73 30.530 37.397 45.880 56.635 70.186 85.372 101.594 88 74 32.802 40.258 49.478 61.173 75.922 90.758 108.398 89 75 34.596 42.550 52.387 64.865 80.170 95.164 114.014 90 76 36.062 44.334 54.563 67.450 82.568 98.144 117.704 91 77 37.541 46.137 56.688 70.049 84.997 101.145 121.419 92 78 39.867 48.913 60.075 74.226 88.890 105.969 127.309 93 79 43.266 53.063 65.164 80.154 94.735 113.136 136.241 94 80 46.729 57.303 70.350 84.973 100.611 120.446 145.339 95 159.873 96 175.861 97 193.447 98 212.791 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 MEDICAL UNPROJECTED MALE NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 0 0.825 0.535 0.424 0.354 0.327 0.292 0.280 0.259 0.244 1 0.825 0.535 0.424 0.354 0.327 0.292 0.280 0.259 0.244 2 0.543 0.429 0.357 0.330 0.294 0.278 0.256 0.241 0.240 3 0.436 0.362 0.334 0.297 0.280 0.255 0.239 0.238 0.244 4 0.369 0.339 0.301 0.283 0.257 0.238 0.236 0.242 0.263 5 0.347 0.307 0.288 0.261 0.241 0.236 0.241 0.261 0.339 6 0.314 0.294 0.266 0.245 0.239 0.241 0.261 0.338 0.426 7 0.302 0.272 0.250 0.244 0.245 0.261 0.338 0.425 0.556 8 0.283 0.259 0.251 0.252 0.268 0.342 0.428 0.559 0.685 9 0.267 0.258 0.258 0.274 0.349 0.431 0.562 0.686 0.814 10 0.264 0.263 0.279 0.355 0.438 0.563 0.687 0.813 0.924 11 0.269 0.284 0.360 0.443 0.567 0.680 0.803 0.909 0.991 12 0.289 0.364 0.446 0.569 0.681 0.790 0.892 0.969 0.996 13 0.371 0.453 0.575 0.685 0.792 0.879 0.950 0.972 0.998 14 0.460 0.582 0.691 0.796 0.881 0.937 0.956 0.978 0.933 15 0.589 0.699 0.795 0.870 0.916 0.936 0.970 0.921 0.887 16 0.714 0.810 0.850 0.888 0.907 0.950 0.916 0.879 0.842 17 0.821 0.861 0.873 0.883 0.941 0.894 0.863 0.833 0.798 18 0.821 0.851 0.861 0.909 0.895 0.836 0.804 0.776 0.748 19 0.785 0.824 0.871 0.849 0.823 0.766 0.738 0.711 0.695 20 0.732 0,813 0.811 0.785 0.751 0.683 0.672 0.649 0.639 21 0.680 0.741 0.759 0.741 0.711 0.658 0.673 0.671 0.689 22 0.594 0.656 0.681 0.661 0.633 0.602 0.602 0.605 0.621 23 0.528 0.577 0.604 0.587 0.572 0.544 0.547 0.550 0.570 24 0.458 0.501 0.527 0.527 0.514 0.498 0.495 0.509 0.536 25 0.408 0.442 0.476 0.477 0.480 0.466 0.473 0.494 0.522 26 0.377 0.412 0.440 0.450 0.460 0.461 0.476 0.499 0.534 27 0.368 0.391 0.420 0.437 0.456 0.470 0.492 0.522 0.573 28 0.366 0.390 0.414 0.439 0.464 0.486 0.515 0.565 0.615 29 0.377 0.396 0.422 0.454 0.487 0.515 0.565 0.615 0.683 30 0.384 0.410 0.442 0.470 0.510 0.558 0.602 0.675 0.752 31 0.388 0.425 0.453 0.492 0.540 0.586 0.652 0.722 0.817 32 0.392 0.431 0.470 0.517 0.563 0.625 0.698 0.781 0.880 33 0.384 0.433 0.484 0.535 0.601 0.665 0.750 0.838 0.944 34 0.367 0.432 0.487 0.555 0.626 0.700 0.789 0.886 0.999 35 0.370 0.440 0.514 0.594 0.673 0.756 0.852 0.964 1.088 36 0.373 0.466 0.553 0.647 0.740 0.831 0.947 1.068 1.197 37 0.394 0.497 0.602 0.711 0.817 0.922 1.047 1.180 1.329 38 0.423 0.543 0.667 0.788 0.908 1.022 1.155 1.312 1.484 39 0.460 0.605 0.742 0.877 1.005 1.130 1.283 1.463 1.656 40 0.506 0.672 0.827 0.979 1.111 1.250 1.429 1.627 1.840 41 0.552 0.741 0.922 1.082 1.232 1.391 1.580 1.797 2.040 42 0.600 0.816 1.010 1.192 1.366 1.538 1.746 1.984 2.252 43 0.649 0.883 1.103 1.310 1.502 1.691 1.916 2.174 2.459 44 0.695 0.955 1.204 1.433 1.639 1.847 2.092 2.367 2.682 45 0.750 1.039 1.311 1.567 1.792 2.018 2.284 2.589 2.921 46 0.810 1.122 1.423 1.713 1.969 2.214 2.513 2.840 3.210 47 0.871 1.221 1.555 1.878 2.176 2.456 2.773 3.138 3.586 48 0.932 1.330 1.708 2.068 2.428 2.742 3.097 3.512 4.029 49 0.999 1.451 1.876 2.295 2.704 3.070 3.489 3.955 4.521 50 1.068 1.587 2.071 2.535 2.998 3.434 3.917 4.441 5.032 51 1.142 1.738 2.279 2.794 3.314 3.815 4.360 4.936 5.586 52 1.227 1.897 2.499 3.072 3.635 4.189 4.786 5.439 6.143 53 1.316 2.063 2.733 3.350 3.958 4.536 5.198 5.908 6.691 54 1.419 2.244 2.974 3.637 4.276 4.889 5.588 6.356 7.237 55 1.534 2.446 3.244 3.943 4.627 5.258 5.985 6.809 7.809 56 1.672 2.675 3.542 4.307 5.010 5.655 6.427 7.316 8.411 57 1.840 2.943 3.906 4.724 5.438 6.122 6.954 7.905 9.050 58 2.036 3.278 4.340 5.213 5.963 6.708 7.601 8.601 9.779 59 2.279 3.669 4.839 5.783 6.606 7.414 8.363 9.405 10.649 60 2.554 4.103 5.393 6.424 7.351 8.211 9.219 10.315 11.646 61 2.872 4.569 5.985 7.130 8.149 9.070 10.148 11.313 12.753 62 3.230 5.055 6.597 7.878 8.967 9.970 11.127 12.393 13.964 63 3.633 5.619 7.278 8.661 9.801 10.867 12.113 13.501 15.223 64 4.089 6.280 8.049 9.482 10.666 11.792 13.130 14.643 16.570 65 4.595 6.981 8.870 10.329 11.587 12.794 14.239 15.942 18.108 66 5.145 7.678 9.670 11.196 12.579 13.911 15.545 17.491 19.963 67 5.758 8.310 10.383 12.081 13.657 15.213 17.113 19.405 22.215 68 6.424 8.893 11.039 12.967 14.844 16.736 19.054 21.763 25.021 69 7.152 9.481 11.684 13.879 16.138 18.508 21.341 24.615 28.397 70 7.939 10.047 12.326 14.801 17.537 20.467 23.980 27.931 32.312 71 8.722 11.043 13.538 16.250 19.212 22.414 26.259 30.577 35.359 72 9.587 12.128 14.864 17.808 21.046 24.550 28.754 33.465 38.706 73 10.515 13.299 16.268 19.480 23.019 26.843 31.420 36.575 42.293 74 11.346 14.320 17.505 20.959 24.762 28.864 33.790 39.327 45.448 75 11.997 15.133 18.500 22.146 26.151 30.483 35.681 41.506 47.956 76 12.535 15.811 19.324 23.123 27.304 31.826 37.231 43.296 50.004 77 13.086 16.500 20.159 24.123 28.480 33.177 38.803 45.108 52.078 78 13.935 17.565 21.460 25.676 30.297 35.284 41.252 47.939 55.322 79 15.185 19.141 23.383 27.960 32.983 38.400 44.879 52.130 60.139 80 16.475 20.764 25.350 30.305 35.737 41.591 48.588 56.419 64.979 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------- ------- ------- ------- ------- 0 0.244 0.250 0.274 0.358 0.455 0.601 0.745 15 1 0.244 0.250 0.274 0.358 0.455 0.601 0.745 16 2 0.247 0.269 0.351 0.446 0.589 0.728 0.874 17 3 0.266 0.346 0.438 0.578 0.714 0.856 0.984 18 4 0.342 0.433 0.569 0.702 0.841 0.966 1.067 19 5 0.428 0.563 0.693 0.828 0.950 1.049 1.095 20 6 0.559 0.687 0.819 0.938 1.034 1.078 0.997 21 7 0.683 0.813 0.930 1.023 1.064 1.005 0.956 22 8 0.813 0.927 1.018 1.057 1.016 0.966 0.930 23 9 0.926 1.015 1.052 1.031 0.978 0.941 0.911 24 10 1.012 1.047 1.046 0.992 0.953 0.922 0.878 25 11 1.022 1.038 0.982 0.940 0.907 0.861 0.825 26 12 1.027 0.968 0.924 0.889 0.841 0.803 0.755 27 13 0.955 0.908 0.870 0.820 0.780 0.730 0.728 28 14 0.901 0.861 0.808 0.766 0.715 0.711 0.704 29 15 0.852 0.804 0.759 0.706 0.699 0.689 0.676 30 16 0.808 0.754 0.705 0.697 0.685 0.669 0.659 31 17 0.764 0.714 0.704 0.690 0.673 0.661 0.636 32 18 0.725 0.674 0.673 0.662 0.655 0.640 0.616 33 19 0.677 0.639 0.642 0.642 0.642 0.628 0.616 34 20 0.638 0.600 0.613 0.614 0.620 0.621 0.622 35 21 0.705 0.672 0.666 0.658 0.653 0.658 0.637 36 22 0.649 0.636 0.628 0.635 0.652 0.659 0.663 37 23 0.605 0.605 0.608 0.638 0.659 0.680 0.701 38 24 0.571 0.592 0.608 6.642 0.685 0.714 0.748 39 25 0.564 0.601 0.626 0.682 0.732 0.770 0.813 40 26 0.590 0.627 0.679 0.732 0.795 0.846 0.894 41 27 0.628 0.681 0.736 0.801 0.872 0.933 0.985 42 28 0.688 0.739 0.801 0.871 0.953 1.023 1.088 43 29 0.767 0.824 0.885 0.960 1.045 1.123 1.198 44 30 0.844 0.906 0.974 1.054 1.145 1.228 1.330 45 31 0.915 0.985 1.063 1.151 1.249 1.352 1.479 46 32 0.990 1.070 1.162 1.257 1.375 1.504 1.652 47 33 1.067 1.161 1.260 1.384 1.532 1.682 1.854 48 34 1.126 1.234 1.360 1.520 1.697 1.876 2.094 49 35 1.217 1.348 1.503 1.688 1.895 2.104 2.364 50 36 1.346 1.500 1.674 1.886 2.125 2.364 2.643 51 37 1.500 1.670 1.864 2.101 2.371 2.645 2.936 52 38 1.673 1.855 2.069 2.326 2.629 2.960 3.257 53 39 1.861 2.060 2.291 2.572 2.921 3.295 3.625 54 40 2.075 2.285 2.532 2.852 3.229 3.667 4.079 55 41 2.300 2.532 2.817 3.157 3.582 4.092 4.614 56 42 2.542 2.817 3.131 3.511 3.993 4.570 5.212 57 43 2.810 3.119 3.487 3.929 4.461 5.103 5.848 58 44 3.082 3.455 3.894 4.400 4.992 5.684 6.557 59 45 3.387 3.837 4.346 4.926 5.578 6.362 7.296 60 46 3.737 4.254 4.840 5.499 6.253 7.111 8.095 61 47 4.146 4.723 5.375 6.147 6.995 7.940 8.991 62 48 4.616 5.233 5.980 6.844 7.795 8.865 10.035 63 49 5.138 5.820 6.632 7.588 8.672 9.893 11.227 64 50 5.723 6.446 7.328 8.395 9.624 11.023 12.531 65 51 6.338 7.129 8.122 9.337 10.772 12.397 14.169 66 52 6.966 7.877 9.027 10.452 12.134 14.064 16.185 67 53 7.598 8.647 9.964 11.572 13.470 15.686 18.135 68 54 8.255 9.486 11.024 12.871 15.057 17.628 20.441 69 55 8.950 10.359 12.113 14.198 16.644 19.552 22.656 70 56 9.689 11.304 13.302 15.648 18.399 21.697 25.300 71 57 10.498 12.309 14.528 17.128 20.178 23.825 27.960 72 58 11.395 13.397 15.851 18.748 22.146 26.226 30.806 73 59 12.391 14.616 17.362 20.651 24.568 29.217 34.441 74 60 13.497 15.918 18.921 22.597 26.991 32.198 37.949 75 61 14.723 17.394 20.753 24.915 29.958 35.806 42.415 76 62 16.085 19.000 22.679 27.312 32.862 39.344 46.761 77 63 17.542 20.775 24.907 30.083 36.360 43.676 52.244 78 64 19.109 22.718 27.299 33.121 40.186 48.411 58.206 79 65 20.920 24.887 30.000 36.502 44.407 53.599 64.541 80 66 23.040 27.444 33.121 40.318 49.059 59.285 71.152 81 67 25.638 30.524 36.768 44.640 54.224 65.512 78.405 82 68 28.838 34.245 41.031 49.557 59.939 72.285 86.266 83 69 32.657 38.607 45.940 55.067 66.183 79.627 95.256 84 70 37.050 43.609 51.466 61.143 72.982 87.553 105.249 85 71 40.550 47.837 56.549 67.300 80.451 96.648 114.939 86 72 44.376 52.575 62.413 74.551 89.424 107.433 126.935 87 73 48.460 57.685 68.751 82.420 99.164 118.013 139.875 88 74 52.066 62.097 74.144 89.025 107.015 126.566 150.356 89 75 54.914 65.632 78.501 94.398 112.688 133.563 159.010 90 76 57.242 68.384 81.762 98.161 116.612 138.295 164.695 91 77 59.590 71.166 84.948 101.942 120.586 143.062 170.418 92 78 63.280 75.449 90.023 107.675 126.957 150.723 179.492 93 79 68.677 81.849 97.649 115.650 136.521 162.104 193.253 94 80 74.173 88.390 105.398 123.772 146.137 173.714 207.271 95 227.999 96 250.798 97 275.878 98 303.466 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 MEDICAL UNPROJECTED MALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 18 0.739 0.775 0.793 0.853 0.880 0.870 0.851 0.838 0.824 19 0.707 0.750 0.808 0.809 0.822 0.810 0.797 0.782 0.783 20 0.659 0.745 0.763 0.759 0.762 0.738 0.739 0.731 0.738 21 0.616 0.690 0.725 0.728 0.736 0.724 0.758 0.776 0.820 22 0.546 0.619 0.661 0.663 0.668 0.679 0.696 0.720 0.774 23 0.492 0.553 0.599 0.599 0.617 0.629 0.651 0.686 0.733 24 0.434 0.490 0.532 0.551 0.569 0.593 0.617 0.653 0.703 25 0.394 0.441 0.492 0.512 0.548 0.581 0.608 0.648 0.703 26 0.372 0.421 0.467 0.498 0.549 0.593 0.624 0 671 0.735 27 0.371 0.410 0.459 0.506 0.561 0.616 0.663 0.719 0.792 28 0.379 0.421 0.473 0.523 0.583 0.654 0.709 0.782 0.869 29 0.402 0.447 0.497 0.552 0.628 0.709 0.782 0.869 0.974 30 0.429 0.478 0.532 0.588 0.672 0.771 0.851 0.961 1.088 31 0.446 0.505 0.559 0.629 0.715 0.828 0.928 1.045 1.195 32 0.461 0.526 0.593 0.664 0.762 0.890 1.010 1.142 1.306 33 0.463 0.540 0.614 0.702 0.820 0.962 1.097 1.243 1.418 34 0.453 0.541 0.630 0.734 0.869 1.024 1.170 1.331 1.513 35 0.458 0.563 0.671 0.798 0.943 1.121 1.280 1.459 1.660 36 0.471 0.601 0.734 0.878 1.052 1.248 1.434 1.628 1.844 37 0.503 0.652 0.807 0.978 1.175 1.396 1.596 1.818 2.059 38 0.548 0.720 0.908 1.099 1.318 1.558 1.780 2.033 2.288 39 0.603 0.813 1.022 1.233 1.469 1.742 1.988 2.255 2.544 40 0.672 0.915 1.149 1.386 1.640 1.937 2.204 2.498 2.815 41 0.742 1.017 1.290 1.548 1.829 2.145 2.427 2.750 3.109 42 0.814 1.127 1.427 1.714 2.019 2.362 2.671 3.024 3.411 43 0.886 1.232 1.567 1.875 2.210 2.587 2.919 3.293 3.695 44 0.959 1.341 1.703 2.044 2.402 2.814 3.168 3.557 3.975 45 1.041 1.451 1.846 2.226 2.616 3.057 3.433 3.838 4.281 46 1.119 1 562 1.996 2.423 2.857 3.328 3.726 4.163 4.644 47 1.198 1.693 2.173 2.640 3.133 3.641 4.065 4.539 5.100 48 1.277 1.837 2.372 2.885 3.449 4.019 4.481 4.996 5.631 49 1.364 1.991 2.585 3.158 3.797 4.441 4.963 5.527 6.202 50 1.448 2.161 2.815 3.450 4.156 4.884 5.474 6.092 6.787 51 1.536 2.334 3.063 3.752 4.517 5.331 5.981 6.657 7.356 52 1.629 2.520 3.316 4.056 4.868 5.747 6.456 7.162 7.906 53 1.728 2.705 3.565 4.346 5.203 6.118 6.845 7.603 8.440 54 1.839 2.893 3.812 4.632 5.526 6.438 7.192 8.017 8.948 55 1.954 3.098 4.081 4.938 5.838 6.767 7.549 8.418 9.465 56 2.092 3.325 4.381 5.265 6.178 7.132 7.946 8.867 9.984 57 2.260 3.597 4.717 5.643 6.571 7.570 8.429 9.383 10.521 58 2.460 3.912 5.123 6.104 7.065 8.130 9.022 9.999 11.128 59 2.688 4.278 5.597 6.638 7.671 8.801 9.722 10.703 11.857 60 2.944 4.689 6.115 7.228 8.360 9.546 10.491 11.485 12.675 61 3.244 5.119 6.653 7.856 9.078 10.322 11.299 12.313 13.565 62 3.577 5.552 7.182 8.502 9.778 11.100 12.110 13.182 14.509 63 3.943 6.044 7.760 9.150 10.456 11.827 12.884 14.028 15.440 64 4.346 6.616 8.400 9.801 11.123 12.543 13.642 14.852 16.396 65 4.784 7.200 9.057 10.435 11.809 13.293 14.442 15.774 17.471 66 5.244 7.747 9.652 11.055 12.523 14.109 15.381 16.876 18.766 67 5.741 8.196 10.129 11.652 13.272 15.052 16.511 18.242 20.473 68 6.261 8.572 10.519 12.209 14.074 16.147 17.912 20.056 22.592 69 6.812 8.927 10.868 12.748 14.919 17.399 19.667 22.225 25.113 70 7.386 9.234 11.185 13.256 15.796 18.861 21.651 24.701 27.976 71 7.922 9.902 11.980 14.181 16.965 20.238 23.223 26.473 29.958 72 8.495 10.604 12.815 15.234 18.208 21.711 24.895 28.353 32.078 73 9.085 11.330 13.749 16.327 19.506 23.241 26.621 30.312 34.262 74 9.551 11.959 14.495 17.206 20.542 24.455 28.003 31.859 35.978 75 9.901 12.382 15.005 17.799 21.229 25.263 28.906 32.857 37.075 76 10.136 12.671 15.344 18.186 21.682 25.782 29.473 33.473 37.727 77 10.363 12.945 15.664 18.558 22.107 26.264 29.999 34.033 38.326 78 10.804 13.485 16.311 19.309 22.981 27.279 31.125 35.280 39.688 79 11.521 14.375 17.372 20.547 24.433 28.972 33.029 37.399 42.031 80 12.227 15.243 18.404 21.749 25.835 30.609 34.857 39.431 44.609 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------- ------- ------- 18 0.817 0.811 0.869 0.931 0.988 1.025 1.054 33 19 0.783 0.792 0.867 0.930 0.989 1.032 1.078 34 20 0.760 0.778 0.852 0 908 0.979 1.045 1.095 35 21 0.878 0.898 0.947 0.998 1.055 1.113 1.145 36 22 0.834 0.868 0.916 0 986 1.058 1.137 1.200 37 23 0.794 0.847 0.907 0.996 1.092 1.184 1.290 38 24 0.769 0.848 0.911 1.022 1.145 1.263 1.391 39 25 0 776 0.865 0.959 1.095 1.243 1.375 1.533 40 26 0.817 0.921 1.048 1.195 1.364 1.534 1.706 41 27 0 888 1.010 1.153 1.320 1.517 1.712 1.896 42 28 0.981 1.113 1.269 1.456 1.679 1.892 2.110 43 29 1.110 1.254 1.422 1.626 1.857 2.093 2.347 44 30 1.235 1.398 1.584 1.799 2.049 2.312 2.621 45 31 1.357 1.539 1.744 1.979 2.259 2.560 2.901 46 32 1.486 1.687 1.919 2.184 2.501 2.833 3.227 47 33 1.616 1.842 2.103 2.417 2.772 3.156 3.606 48 34 1.718 1.979 2.282 2.643 3.060 3.505 4.057 49 35 1.876 2.174 2.511 2.923 3.402 3.917 4.553 50 36 2.085 2.408 2.785 3.254 3.800 4.374 5.051 51 37 2.313 2.670 3.088 3.609 4.214 4.856 5.535 52 38 2.570 2.953 3.416 3.972 4.636 5.360 6.070 53 39 2.847 3.267 3.758 4.359 5.081 5.900 6.669 54 40 3.161 3.602 4.123 4.768 5.554 6.481 7.378 55 41 3.483 3.960 4.524 5.218 6.082 7.112 8.199 56 42 3.820 4.346 4.972 5.728 6.666 7.803 9.094 57 43 4.166 4.759 5.466 6.301 7.316 8.552 10.032 58 44 4.517 5.202 6.001 6.933 8.038 9.366 10.981 59 45 4.900 5.680 6.579 7.620 8.830 10.235 11.940 60 46 5.316 6.188 7.193 8.364 9.664 11.180 12.984 61 47 5.794 6.743 7.855 9.127 10.564 12.234 14.138 62 48 6.333 7.346 8.531 9.931 11.538 13.390 15.468 63 49 6.930 7.978 9.247 10.792 12.584 14.648 16.947 64 50 7.537 8.635 10.013 11.705 13.690 15.984 18.526 65 51 8.157 9.359 10.879 12.761 15.005 17.607 20.506 66 52 8.786 10.137 11.853 13.989 16.555 19.552 22.917 67 53 9.395 10.908 12.812 15.168 17.990 21.336 25.102 68 54 10.005 11.719 13.884 16.515 19.676 23.438 27.651 69 55 10.623 12.535 14.934 17.825 21.2__ 25.406 29.937 70 56 11.264 13.389 16.045 19.203 22.96_ 27.539 32.633 71 57 11.947 14.265 17.130 20.542 24.60_ 29.519 35.183 72 58 12.688 15.176 18.266 21.964 26.361 31.701 37.799 73 59 13.486 16.181 19.543 23.617 28.530 34.437 41.176 74 60 14.356 17.215 20.789 25.211 30.563 36.977 44.476 75 61 15.297 18.362 22.246 27.105 33.052 40.311 48.703 76 62 16.314 19.568 23.705 28.950 35.543 43.397 52.591 77 63 17.358 20.864 25.366 31.260 38.529 47.187 57.524 78 64 18.437 22.229 27.254 33.719 41.709 51.204 62.716 79 65 19.667 23.872 29.345 36.399 45.122 55.476 68.024 80 66 21.233 25.792 31.732 39.360 48.781 60.022 73.305 81 67 23.149 28.097 34.486 42.645 52.740 64.834 78.934 82 68 25.504 30.860 37.660 46.309 56.987 69.905 84.816 83 69 28.274 34.045 41.246 50.300 61.488 75.204 91.399 84 70 31.391 37.618 45.168 54.577 66.218 80.698 98.506 85 71 33.606 40.338 48.496 58.667 71.238 86.892 105.141 86 72 35.949 43.320 52.273 63.423 77.236 94.428 113.368 87 73 38.363 46.418 56.194 58.394 83.491 101.823 122.826 88 74 40.253 48.766 59.113 72.014 87.985 107.382 129.779 89 75 41.432 50.275 61.010 74.390 91.649 111.407 134.875 90 76 42.127 51.063 61.906 75.985 93.542 113.401 137.264 91 77 42.750 51.769 63.178 77.487 95.351 115.282 139.521 92 78 44.227 53.913 65.743 80.599 99.039 119.273 145.527 93 79 47.148 57.430 70.002 85.766 104.520 126.961 155.098 94 80 50.002 60.880 74.161 90.811 110.708 134.653 164.658 95 181.124 96 199.237 97 219.160 98 241.076 99
EXPEPCTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 MEDICAL UNPROJECTED MALE SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 18 0.821 0.911 0.985 1.643 1.705 1.678 1.641 1.616 1.588 19 0.785 0.882 1.555 1.558 1.592 1.562 1.537 1.508 1.509 20 0.732 1.359 1.469 1.462 1.476 1.423 1.425 1.409 1.424 21 1.060 1.257 1.396 1.402 1.426 1.396 1.462 1.497 1.581 22 0.941 1.128 1.272 1.275 1.294 1.309 1.342 1.389 1.493 23 0.847 1.009 1.153 1.153 1.196 1.212 1.256 1.322 1.412 24 0.747 0.894 1.023 1.061 1.103 1.144 1.190 1.260 1.355 25 0.679 0.803 0.946 0.985 1.062 1.120 1.172 1.248 1.355 26 0.640 0.768 0.898 0.958 1.064 1.143 1.204 1.294 1.417 27 0.639 0.747 0.884 0.973 1.087 1.188 1.277 1.385 1.527 28 0.653 0.768 0.911 1.007 1.130 1.261 1.367 1.507 1.675 29 0.693 0.816 0.957 1.063 1.216 1.367 1.507 1.675 1.877 30 0.738 0.871 1.024 1.132 1.302 1.487 1.640 1.852 2.097 31 0.768 0.922 1.077 1.211 1.386 1.596 1.790 2.015 2.303 32 0.794 0.958 1.141 1.277 1.476 1.715 1.947 2.201 2.518 33 0.797 0.984 1.183 1.351 1.589 1.854 2.114 2.396 2.734 34 0.779 0.987 1.214 1.413 1.683 1.974 2.255 2.566 2.918 35 0.790 1.027 1.291 1.536 1.826 2.162 2.467 2.813 3.200 36 0.812 1.097 1.413 1.689 2.038 2.407 2.764 3.139 3.555 37 0.867 1.190 1.554 1.883 2.276 2.691 3.078 3.505 3.970 38 0.943 1.312 1.747 2.115 2.553 3.004 3.432 3.920 4.410 39 1.038 1.483 1.966 2.373 2.846 3.358 3.833 4.348 4.904 40 1.157 1.668 2.211 2.669 3.178 3.734 4.248 4.816 5.427 41 1.279 1.855 2.483 2.980 3.544 4.136 4.679 5.301 5.994 42 1.402 2.056 2.746 3.300 3.911 4.554 5.150 5.829 6.576 43 1.526 2.247 3.017 3.610 4.281 4.987 5.628 6.348 7.124 44 1.652 2.445 3.278 3.934 4.654 5.426 6.108 6.858 7.664 45 1.793 2.646 3.553 4.284 5.069 5.893 6.618 7.398 8.254 46 1.927 2.849 3.843 4.663 5.536 6.415 7.183 8.026 8.954 47 2.063 3.086 4.183 5.082 6.070 7.019 7.837 8.751 9.833 48 2.200 3.350 4.565 5.554 6.683 7.748 8.638 9.631 10.856 49 2.349 3.630 4.977 6.079 7.357 8.562 9.568 10.655 11.957 50 2.494 3.940 5.419 6.640 8.053 9.417 10.554 11.744 13.085 51 2.646 4.257 5.896 7.222 8.751 10.277 11.531 12.834 14.181 52 2.806 4.596 6.382 7.808 9.432 11.079 12.446 13.807 15.241 53 2.976 4.933 6.862 8.365 10.080 11.795 13.197 14.658 16.271 54 3.167 5.276 7.337 8.916 10.707 12.412 13.864 15.455 17.251 55 3.364 5.649 7.855 9.504 11.312 13.046 14.553 16.229 18.247 56 3.603 6.064 8.434 10.134 11.970 13.750 15.319 17.095 19.247 57 3.893 6.559 9.080 10.862 12.732 14.593 16.249 18.088 20.283 58 4.236 7.133 9.861 11.748 13.688 15.673 17.393 19.276 21.453 59 4.629 7.802 10.774 12.776 14.863 16.966 18.743 20.634 22.859 60 5.070 8.550 11.771 13.912 16.197 18.403 20.225 22.141 24.436 61 5.587 9.335 12.806 15.121 17.588 19.899 21.783 23.737 26.152 62 6.160 10.125 13.824 16.365 18.944 21.400 23.346 25.413 27.971 63 6.791 11.021 14.936 17.611 20.259 22.802 24.838 27.043 29.766 64 7.485 12.064 16.170 18.865 21.550 24.182 26.301 28.632 31.609 65 8.239 13.129 17.434 20.086 22.880 25.628 27.841 30.410 33.682 66 9.031 14.128 18.578 21.279 24.263 27.200 29.652 32.534 36.179 67 9.888 14.946 19.497 22.429 25.715 29.019 31.832 35.169 39.468 68 10.783 15.631 20.246 23.499 27.268 31.129 34.532 38.665 43.554 69 11.733 16.278 20.920 24.538 28.905 33.543 37.915 42.846 48.415 70 12.721 16.839 21.530 25.516 30.606 36.362 41.741 47.621 53.933 71 13.644 18.056 23.059 27.296 32.869 39.015 44.770 51.037 57.754 72 14.630 19.336 24.666 29.323 35.278 41.856 47.994 54.661 61.841 73 15.647 20.660 26.465 31.427 37.793 44.805 51.321 58.437 66.053 74 16.450 21.808 27.900 33.119 39.801 47.146 53.987 61.420 69.360 75 17.051 22.579 28.881 34.260 41.132 48.703 55.726 63.345 71.475 76 17.456 23.106 29.534 35.005 42.009 49.704 56.820 64.531 72.733 77 17.848 23.606 30.150 35.722 42.832 50.634 57.834 65.612 73.888 78 18.608 24.591 31.396 37.166 44.525 52.589 60.004 68.015 76.513 79 19.843 26.213 33.439 39.549 47.339 55.854 63.675 72.099 81.030 80 21.058 27.796 35.426 41.863 50.056 59.009 67.199 76.018 86.000 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+11 ULT ------ ------- ------- ------- ------- ------- ------- 18 1.575 1.507 1.556 1.607 1.645 1.646 1.632 33 19 1.510 1.471 1.553 1.605 1.646 1.657 1.669 34 20 1.466 1.445 1.527 1.568 1.630 1.677 1.694 35 21 1.693 1.669 1.696 1.724 1.756 1.786 1.773 36 22 1.607 1.613 1.641 1.702 1.762 1.825 1.858 37 23 1.531 1.574 1.624 1.719 1.819 1.901 1.997 38 24 1.482 1.576 1.632 1.765 1.906 2.027 2.153 39 25 1.496 1.607 1.717 1.891 2.069 2.207 2.373 40 26 1.575 1.712 1.876 2.063 2.271 2.462 2.641 41 27 1.711 1.876 2.065 2.280 2.526 2.748 2.935 42 28 1.891 2.067 2.273 2.515 2.795 3.037 3.265 43 29 2.139 2.329 2.547 2.807 3.091 3.360 3.633 44 30 2.380 2.598 2.838 3.106 3.411 3.711 4.056 45 31 2.615 2.859 3.123 3.418 3.761 4.109 4.490 46 32 2.865 3.134 3.438 3.771 4.163 4.547 4.994 47 33 3.115 3.423 3.767 4.174 4.615 5.066 5.582 48 34 3.311 3.677 4.087 4.564 5.093 5.627 6.280 49 35 3.616 4.040 4.497 5.048 5.664 6.287 7.047 50 36 4.020 4.474 4.988 5.618 6.327 7.022 7.817 51 37 4.460 4.960 5.531 6.232 7.015 7.794 8.567 52 38 4.954 5.487 6.118 6.859 7.718 8.604 9.396 53 39 5.489 6.071 6.731 7.526 8.459 9.471 10.323 54 40 6.094 6.693 7.384 8.232 9.247 10.403 11.420 55 41 6.715 7.358 8.102 9.009 10.124 11.415 12.691 56 42 7.364 8.075 8.905 9.890 11.097 12.525 14.075 57 43 8.031 8.842 9.789 10.880 12.180 13.727 15.528 58 44 8.709 9.666 10.747 11.971 13.381 15.034 16.996 59 45 9.446 10.555 11.784 13.158 14.700 16.429 18.482 60 46 10.249 11.498 12.883 14.441 16.087 17.945 20.097 61 47 11.170 12.530 14.068 15.760 17.587 19.638 21.883 62 48 12.208 13.650 15.279 17.147 19.208 21.493 23.941 63 49 13.360 14.823 16.561 18.634 20.949 23.512 26.231 64 50 14.530 16.044 17.934 20.210 22.790 25.657 28.675 65 51 15.725 17.390 19.485 22.033 24.980 28.262 31.739 66 52 16.938 18.835 21.229 24.153 27.560 31.384 35.472 67 53 18.112 20.268 22.947 26.190 29.949 34.249 38.853 68 54 19.288 21.775 24.868 28.517 32.756 37.622 42.798 69 55 20.479 23.291 26.747 30.777 35.391 40.781 46.336 70 56 21.715 24.878 23.738 33.156 38.23_ 44.205 50.510 71 57 23.031 26.505 30.680 35.469 40.962 47.384 54.456 72 58 24.461 28.198 32.715 37.925 43.885 50.886 58.506 73 59 26.000 30.066 35.002 40.779 47.495 55.278 63.732 74 60 27.676 31.986 37.234 43.530 50.881 59.355 68.840 75 61 29.491 34.118 39.843 46.801 55.023 64.707 75.384 76 62 31.450 36.358 42.457 49.987 59.170 69.661 81.401 77 63 33.463 38.766 45.431 53.975 64.141 75.743 89.037 78 64 35.544 41.302 48.813 58.222 69.436 82.191 97.072 79 65 37.915 44.355 52.558 62.848 75.118 89.049 105.289 80 66 40.935 47.922 56.834 67.961 81.208 96.346 113.462 81 67 44.627 52.206 61.766 73.633 87.800 104.071 122.175 82 68 49.168 57.339 67.451 79.960 94.870 112.211 131.279 83 69 54.508 63.258 73.873 86.851 102.362 120.716 141.469 84 70 60.517 69.896 80.897 94.235 110.237 129.536 152.470 85 71 64.788 74.947 86.858 101.298 118.594 139.477 163.086 86 72 69.305 80.491 93.623 109.509 128.580 151.575 176.249 87 73 73.958 86.248 100.646 118.093 138.993 163.059 191.381 88 74 77.602 90.609 105.874 124.343 146.473 172.284 202.506 89 75 79.875 93.414 109.272 128.446 152.563 178.961 210.659 90 76 81.214 94.879 110.876 131.200 155.399 182.270 214.483 91 77 82.416 96.190 113.154 133.793 158.109 185.392 218.093 92 78 85.263 100.173 117.749 139.167 163.753 192.014 227.703 93 79 90.895 106.708 125.377 148.089 173.186 204.771 243.017 94 80 96.396 113.119 132.826 156.366 183.835 217.534 258.313 95 284.144 96 312.559 97 343.815 98 378.196 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 MEDICAL UNPROJECTED FEMALE PREFERRED NONSMOKER
[x] [x]+l [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ----- ----- ----- ------ ------ ------ ------ ------ ------ 0 0.402 0.254 0.211 0.172 0.161 0.147 0.136 0.122 0.112 1 0.402 0.254 0.211 0.172 0.161 0.147 0.136 0.122 0.112 2 0.254 0.197 0.172 0.156 0.141 0.136 0.122 0.112 0.108 3 0.197 0.160 0.156 0.136 0.131 0.122 0.112 0.108 0.108 4 0.160 0.145 0.136 0.126 0.117 0.112 0.108 0.108 0.115 5 0.145 0.127 0.126 0.113 0.107 0.108 0.108 0.115 0.147 6 0.127 0.118 0.113 0.104 0.104 0.108 0.115 0.147 0.182 7 0.118 0.106 0.104 0.100 0.104 0.115 0.147 0.182 0.234 8 0.106 0.097 0.100 0.100 0.111 0.147 0.182 0.234 0.283 9 0.097 0.094 0.100 0.107 0.141 0.182 0.234 0.283 0.332 10 0.094 0.094 0.107 0.136 0.174 0.234 0.283 0.332 0.374 11 0.094 0.100 0.136 0.168 0.224 0.283 0.332 0.374 0.405 12 0.100 0.127 0.168 0.217 0.271 0.332 0.374 0.405 0.416 13 0.127 0.157 0.217 0.262 0.318 0.374 0.405 0.416 0.309 14 0.157 0.203 0.262 0.308 0.358 0.405 0.416 0.309 0.296 15 0.200 0.242 0.301 0.337 0.375 0.409 0.309 0.296 0.287 16 0.242 0.281 0.324 0.347 0.375 0.303 0.296 0.287 0.278 17 0.284 0.305 0.340 0.352 0.287 0.292 0.285 0.278 0.272 18 0.290 0.308 0.342 0.268 0.280 0.279 0.272 0.267 0.263 19 0.283 0.304 0.255 0.255 0.262 0.260 0.256 0.251 0.249 20 0.269 0.221 0.242 0.240 0.244 0.239 0.240 0.235 0.237 21 0.194 0.214 0.237 0.234 0.236 0.232 0.237 0.238 0.244 22 0.185 0.206 0.232 0.229 0.230 0.231 0.233 0.234 0.242 23 0.181 0.200 0.228 0.225 0.229 0.232 0.233 0.237 0.246 24 0.174 0.193 0.222 0.224 0.230 0.236 0.236 0.243 0.255 25 0.169 0.186 0.217 0.222 0.233 0.241 0.245 0.255 0.271 26 0.161 0.178 0.207 0.214 0.231 0.245 0.252 0.266 0.285 27 0.161 0.175 0.204 0.216 0.236 0.256 0.270 0.287 0.313 28 0.164 0.177 0.205 0.220 0.243 0.270 0.287 0.313 0.345 29 0.169 0.181 0.209 0.227 0.256 0.287 0.313 0.345 0.382 30 0.175 0.190 0.221 0.240 0.273 0.313 0.342 0.382 0.427 31 0.179 0.198 0.231 0.254 0.290 0.337 0.373 0.415 0.469 32 0.180 0.201 0.239 0.264 0.305 0.356 0.399 0.446 0.504 33 0.176 0.202 0.243 0.275 0.322 0.378 0.426 0.477 0.537 34 0.171 0.202 0.250 0.287 0.340 0.402 0.453 0.509 0.573 35 0.171 0.208 0.262 0.307 0.365 0.433 0.488 0.551 0.621 36 0.171 0.215 0.278 0.329 0.394 0.468 0.532 0.598 0.671 37 0.177 0.226 0.297 0.355 0.427 0.508 0.576 0.650 0.730 38 0.190 0.247 0.329 0.394 0.474 0.562 0.636 0.721 0.812 39 0.207 0.275 0.366 0.437 0.523 0.622 0.705 0.800 0.905 40 0.223 0.300 0.400 0.478 0.568 0.674 0.767 0.872 0.984 41 0.239 0.324 0.436 0.519 0.617 0.733 0.831 0.943 1.068 42 0.259 0.356 0.478 0.570 0.681 0.808 0.916 1.039 1.178 43 0.274 0.378 0.511 0.612 0.733 0.870 0.983 1.115 1.262 44 0.288 0.400 0.545 0.655 0.782 0.929 1.051 1.190 1.347 45 0.304 0.424 0.579 0.700 0.836 0.993 1.125 1.274 1.441 46 0.320 0.448 0.615 0.747 0.898 1.068 1.211 1.373 1.554 47 0.336 0.476 0.656 0.801 0.972 1.159 1.312 1.487 1.702 48 0.351 0.506 0.704 0.864 1.061 1.269 1.436 1.631 1.876 49 0.368 0.539 0.757 0.937 1.158 1.391 1.585 1.800 2.063 50 0.383 0.577 0.816 1.014 1.258 1.524 1.742 1.980 2.251 51 0.410 0.632 0.900 1.120 1.393 1.697 1.944 2.208 2.498 52 0.441 0.691 0.989 1.233 1.531 1.868 2.141 2.432 2.748 53 0.474 0.753 1.084 1.348 1.671 2.029 2.324 2.642 2.992 54 0.512 0.821 1.182 1.467 1.811 2.186 2.499 2.842 3.235 55 0.554 0.897 1.292 1.596 1.959 2.352 2.676 3.043 3.489 56 0.606 0.983 1.416 1.742 2.122 2.528 2.873 3.268 3.755 57 0.668 1.085 1.561 1.911 2.302 2.737 3.107 3.529 4.042 58 0.742 1.208 1.735 2.108 2.524 2.997 3.393 3.841 4.368 59 0.830 1.352 1.934 2.338 2.794 3.310 3.735 4.202 4.755 60 0.931 1.512 2.154 2.596 3.107 3.667 4.118 4.606 5.200 61 1.046 1.683 2.390 2.879 3.446 4.052 4.532 5.051 5.693 62 1.176 1.861 2.632 3.183 3.793 4.452 4.968 5.532 6.225 63 1.322 2.067 2.905 3.500 4.145 4.852 5.407 6.019 6.777 64 1.487 2.312 3.213 3.830 4.509 5.264 5.854 6.519 7.358 65 1.671 2.570 3.540 4.171 4.898 5.704 6.339 7.079 8.018 66 1.872 2.826 3.858 4.521 5.310 6.193 6.903 7.744 8.804 67 2.094 3.058 4.142 4.872 5.758 6.755 7.577 8.558 9.764 68 2.336 3.272 4.398 5.222 6.242 7.410 8.403 9.565 10.962 69 2.600 3.484 4.649 5.575 6.766 8.163 9.380 10.784 12.392 70 2.883 3.686 4.892 5.928 7.324 8.996 10.506 12.189 14.048 71 3.163 4.041 5.357 6.483 7.996 9.820 11.459 13.294 15.319 72 3.467 4.426 5.859 7.080 8.732 10.713 12.501 14.498 16.704 73 3.792 4.834 6.390 7.720 9.513 11.670 13.612 15.785 18.175 74 4.076 5.188 6.854 8.274 10.195 12.505 14.582 16.900 19.455 75 4.295 5.464 7.215 8.710 10.729 13.155 15.334 17.768 20.452 76 4.473 5.687 7.508 9.062 11.158 13.677 15.938 18.465 21.247 77 4.651 5.912 7.805 9.417 11.590 14.203 16.549 19.167 22.050 78 4.934 6.272 8.277 9.981 12.281 15.048 17.529 20.298 23.349 79 5.358 6.808 8.980 10.827 13.321 16.317 19.002 22.002 25.306 80 5.791 7.354 9.698 11.692 14.380 17.610 20.507 23.741 27.290 [x]+9 [x]+10 [x]+ll [x]+l2 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------ ------- 0 0.108 0.108 0.115 0.147 0.182 0.234 0.283 15 1 0.108 0.108 0.115 0.147 0.182 0.234 0.283 16 2 0.108 0.115 0.147 0.182 0.234 0.283 0.332 17 3 0.115 0.147 0.182 0.234 0.283 0.332 0.374 18 4 0.147 0.182 0.234 0.283 0.332 0.374 0.405 19 5 0.182 0.234 0.283 0.332 0.374 0.405 0.416 20 6 0.234 0.283 0.332 0.374 0.405 0.416 0.326 21 7 0.283 0.332 0.374 0.405 0.416 0.323 0.313 22 8 0.332 0.374 0.405 0.416 0.320 0.310 0.303 23 9 0.374 0.405 0.416 0.317 0.307 0.300 0.296 24 10 0.405 0.416 0.314 0.304 0.297 0.293 0.287 25 11 0.416 0.311 0.302 0.295 0.291 0.284 0.280 26 12 0.309 0.299 0.292 0.288 0.282 0.278 0.268 27 13 0.296 0.289 0.286 0.279 0.275 0.266 0.276 28 14 0.287 0.283 0.277 0.273 0.264 0.274 0.281 29 15 0.278 0.274 0.271 0.261 0.272 0.279 0.287 30 16 0.272 0.266 0.259 0.269 0.276 0.285 0.293 31 17 0.265 0.258 0.268 0.275 0.283 0.291 0.293 32 18 0.259 0.253 0.264 0.275 0.285 0.291 0.296 33 19 0.249 0.245 0.260 0.273 0.285 0.294 0.304 34 20 0.241 0.239 0.256 0.269 0.287 0.303 0.318 35 21 0.252 0.255 0.269 0.285 0.304 0.327 0.345 36 22 0.253 0.262 0.276 0.298 0.324 0.354 0.381 37 23 0.260 0.274 0.290 0.318 0.350 0.380 0.416 38 24 0.274 0.296 0.315 0.350 0.389 0.425 0.466 39 25 0.294 0.322 0.351 0.394 0.439 0.479 0.526 40 26 0.314 0.347 0.386 0.430 0.482 0.530 0.577 41 27 0.348 0.385 0.428 0.478 0.535 0.588 0.635 42 28 0.385 0.424 0.471 0.525 0.587 0.644 0.700 43 29 0.430 0.473 0.521 0.578 0.643 0.706 0.772 44 30 0.480 0.527 0.578 0.638 0.706 0.775 0.855 45 31 0.526 0.577 0.635 0.699 0.775 0.853 0.948 46 32 0.566 0.622 0.685 0.756 0.839 0.929 1.036 47 33 0.606 0.670 0.742 0.827 0.929 1.036 1.160 48 34 0.644 0.719 0.803 0.909 1.030 1.155 1.308 49 35 0.696 0.779 0.877 0.996 1.132 1.271 1.446 50 36 0.753 0.848 0.956 1.090 1.24_ 1.398 1.585 51 37 0.821 0.924 1.042 1.188 1.366 1.534 1.724 52 38 0.914 1.021 1.147 1.301 1.4__ 1.686 1.878 53 39 1.015 1.131 1.269 1.439 1.649 1.882 2.094 54 40 1.107 1.230 1.376 1.563 1.790 2.055 2.311 55 41 1.202 1.341 1.509 1.717 1.976 2.290 2.619 56 42 1.330 1.491 1.682 1.914 2.207 2.563 2.967 57 43 1.441 1.628 1.852 2.123 2.454 2.858 3.339 58 44 1.553 1.776 2.044 2.358 2.733 3.183 3.742 59 45 1.675 1.943 2.254 2.619 3.042 3.548 4.165 60 46 1.813 2.121 2.481 2.901 3.384 3.953 4.620 61 47 1.973 2.310 2.705 3.172 3.705 4.317 5.019 62 48 2.154 2.511 2.942 3.455 4.037 4.712 5.474 63 49 2.352 2.730 3.191 3.744 4.389 5.136 5.980 64 50 2.559 2.967 3.471 4.093 4.830 5.696 6.678 65 51 2.835 3.272 3.826 4.515 5.347 6.328 7.438 66 52 3.114 3.596 4.207 4.974 5.906 7.004 8.244 67 53 3.397 3.935 4.617 5.468 6.494 7.713 9.101 68 54 3.688 4.292 5.060 5.995 7.116 8.460 9.967 69 55 3.995 4.677 5.534 6.562 7.789 9.271 10.880 70 56 4.327 5.092 6.044 7.178 8.527 10.156 11.967 71 57 4.690 5.543 6.600 7.855 9.340 11.136 13.191 72 58 5.089 6.031 7.200 8.588 10.237 12.227 14.492 73 59 5.532 6.562 7.837 9.378 11.220 13.426 15.921 74 60 6.025 7.138 8.529 10.236 12.292 14.738 17.482 75 61 6.564 7.799 9.357 11.302 13.671 16.461 19.664 76 62 7.161 8.531 10.275 12.483 15.174 18.372 22.084 77 63 7.790 9.349 11.356 13.915 17.079 20.836 25.336 78 64 8.461 10.196 12.437 15.332 18.903 23.162 28.354 79 65 9.227 11.189 13.760 17.080 21.215 26.166 32.206 80 66 10.127 12.315 15.171 18.865 23.470 29.004 35.605 81 67 11.232 13.711 16.942 21.111 26.317 32.631 40.108 82 68 12.585 15.344 18.886 23.427 29.098 36.060 44.241 83 69 14.198 17.324 21.264 26.276 32.566 40.409 49.859 84 70 16.052 19.589 23.942 29.450 36.384 45.163 56.170 85 71 17.500 21.501 26.444 32.713 40.614 50.642 61.521 86 72 19.070 23.680 29.401 36.664 45.852 57.213 68.357 87 73 20.745 26.038 32.615 40.991 51.611 62.974 75.896 88 74 22.206 28.057 35.348 44.652 56.394 67.777 82.180 89 75 23.334 29.687 37.618 47.746 59.517 71.937 87.684 90 76 24.237 30.832 39.064 49.553 61.239 74.126 90.451 91 77 25.150 31.991 40.507 51.373 62.984 76.332 93.252 92 78 26.628 33.850 42.853 54.348 65.826 79.943 97.798 93 79 28.843 36.658 46.408 58.190 70.136 85.385 104.698 94 80 31.098 39.524 50.025 61.656 74.501 90.923 111.729 95 122.902 96 135.192 97 148.712 98 163.583 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 MEDICAL UNPROJECTED FEMALE NONSMOKER
[x] [x]+l [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 0 0.543 0.339 0.259 0.209 0.187 0.161 0.150 0.134 0.123 1 0.543 0.339 0.259 0.209 0.187 0.161 0.150 0.134 0.123 2 0.343 0.262 0.211 0.189 0.163 0.150 0.134 0.123 0.119 3 0.265 0.214 0.191 0.165 0.152 0.134 0.123 0.119 0.119 4 0.216 0.194 0.167 0.154 0.136 0.123 0.119 0.119 0.127 5 0.196 0.169 0.155 0.138 0.124 0.119 0.119 0.127 0.161 6 0.171 0.157 0.139 0.126 0.121 0.119 0.127 0.161 0.200 7 0.159 0.141 0.127 0.122 0.121 0.127 0.161 0.200 0.257 8 0.143 0.129 0.124 0.122 0.128 0.161 0.200 0.257 0.311 9 0.131 0.125 0.124 0.130 0.163 0.200 0.257 0.311 0.365 10 0.126 0.125 0.131 0.165 0.202 0.257 0.311 0.365 0.411 11 0.126 0.133 0.167 0.205 0.260 0.311 0.365 0.411 0.445 12 0.135 0.169 0.207 0.264 0.315 0.365 0.411 0.445 0.457 13 0.171 0.210 0.267 0.319 0.369 0.411 0.445 0.457 0.490 14 0.212 0.270 0.323 0.374 0.416 0.445 0.457 0.490 0.470 15 0.269 0.323 0.371 0.409 0.435 0.449 0.490 0.470 0.455 16 0.326 0.375 0.398 0.421 0.435 0.481 O.470 0.455 0.441 17 0.383 0.407 0.418 0.428 0.482 0.464 0.453 0.442 0.431 18 0.391 0.411 0.421 0.470 0.469 0.443 0.431 0.424 0.418 19 0.381 0.405 0.453 0.448 0.439 0.413 0.406 0.399 0.395 20 0.362 0.425 0.430 0.421 0.409 0.379 0.381 0.373 0.376 21 0.379 0.413 0.421 0.411 0.396 0.368 0.376 0.378 0.387 22 0.361 0.397 0.411 0.401 0.386 0.367 0.369 0.371 0.384 23 0.353 0.385 0.405 0.395 0.385 0.369 0.371 0.376 0.390 24 0.338 0.372 0.394 0.393 0.386 0.374 0.375 0.385 0.405 25 0.329 0.358 0.385 0.389 0.391 0.383 0.389 0.405 0.431 26 0.314 0.342 0.368 0.376 0.388 0.389 0.400 0.422 0.453 27 0.314 0.336 0.362 0.379 0.395 0.407 0.429 0.456 0.497 28 0.319 0.340 0.364 0.386 0.407 0.429 0.456 0.497 0.547 29 0.329 0.348 0.371 0.398 0.429 0.456 0.497 0.547 0.606 30 0.342 0.366 0.393 0.421 0.457 0.497 0.543 0.606 0.678 31 0.349 0.382 0.410 0.446 0.487 0.534 0.592 0.658 0.745 32 0.351 0.388 0.424 0.464 0.511 0.565 0.633 0.709 0.800 33 0.344 0.388 0.432 0.483 0.540 0.599 0.677 0.757 0.853 34 0.333 0.389 0.443 0.504 0.570 0.638 0.720 0.808 0.909 35 0.332 0.400 0.465 0.539 0.611 0.688 0.775 0.874 0.986 36 0.332 0.414 0.493 0.577 0.661 0 742 0.844 0.949 1.066 37 0.344 0.435 0.527 0.623 0.715 0.806 0.914 1.031 1.159 38 0.370 0.475 0.585 0.691 0.794 0.892 1.010 1.144 1.289 39 0.403 0.531 0.650 0.767 0.877 0.988 1.119 1.271 1.436 40 0.435 0.578 0.710 0.839 0.953 1.069 1.218 1.384 1.562 41 0.465 0.624 0.775 0.910 1.034 1.163 1.318 1.497 1.695 42 0.505 0.685 0.849 1.000 1.142 1.283 1.454 1.649 1.869 43 0.534 0.728 0.907 1.074 1.228 1.380 1.561 1.769 2.002 44 0.562 0.770 0.967 1.149 1.311 1.475 1.668 1.889 2.139 45 0.592 0.817 1.029 1.228 1.401 1.577 1.786 2.023 2.288 46 0.624 0.863 1.092 1.311 1.506 1.695 1.923 2.179 2.467 47 0.655 0.917 1.166 1.406 1.630 1.839 2.082 2.360 2.702 48 0.685 0.975 1.250 1.516 1.779 2.014 2.279 2.589 2.977 49 0.716 1.039 1.344 1.644 1.941 2.209 2.515 2.857 3.274 50 0.747 1.111 1.449 1.779 2.108 2.419 2.766 3.143 3.573 51 0.800 1.216 1.599 1.964 2.335 2.693 3.086 3.504 3.964 52 0.859 1.332 1.757 2.164 2.567 2.965 3.398 3.860 4.361 53 0.924 1.451 1.925 2.365 2.801 3.221 3.689 4.194 4.749 54 0.998 1.581 2.100 2.574 3.036 3.470 3.967 4.511 5.135 55 1.080 1.727 2.296 2.800 3.284 3.733 4.248 4.831 5.537 56 1.180 1.893 2.515 3.057 3.557 4.013 4.560 5.188 5.960 57 1.302 2.089 2.772 3.354 3.859 4.344 4.931 5.601 6.415 58 1.446 2.326 3.082 3.700 4.231 4.756 5.386 6.097 6.934 59 1.618 2.604 3.434 4.103 4.684 5.254 5.928 6.669 7.548 60 1.814 2.911 3.827 4.555 5.209 5.821 6.537 7.311 8.253 61 2.038 3.242 4.244 5.052 5.777 6.432 7.193 8.017 9.036 62 2.292 3.585 4.675 5.585 6.358 7.067 7.885 8.781 9.882 63 2.576 3.982 5.159 6.142 6.947 7.701 8.582 9.554 10.757 64 2.897 4.452 5.708 6.721 7.559 8.355 9.291 10.347 11.679 65 3.257 4.951 6.287 7.320 8.210 9.054 10.062 11.236 12.726 66 3.649 5.443 6.853 7.933 8.901 9.830 10.956 12.292 13.975 67 4.081 5.889 7.357 8.549 9.651 10.722 12.027 13.585 15.499 68 4.552 6.301 7.811 9.163 10.463 11.762 13.339 15.183 17.400 69 5.067 6.709 8.257 9.783 11.341 12.957 14.889 17.117 19.670 70 5.618 7.100 8.688 10.402 12.277 14.279 16.676 19.348 22.298 71 6.164 7.784 9.515 11.376 13.404 15.587 18.189 21.101 24.316 72 6.757 8.524 10.406 12.424 14.636 17.006 19.843 23.013 26.514 73 7.390 9.310 11.350 13.547 15.945 18.524 21.607 25.055 28.350 74 7.943 9.991 12.173 14.518 17.088 19.849 23.147 26.826 30.881 75 8.370 10.524 12.815 15.283 17.983 20.881 24.339 28.203 32.464 76 8.717 10.952 13.335 15.901 18.704 21.709 25.298 29.310 33.726 77 9.064 11.387 13.863 16.525 19.427 22.544 26.268 30.424 35.001 78 9.617 12.079 14.701 17.514 20.586 23.886 27.824 32.219 37.062 79 10.443 13.112 15.950 18.999 22.329 25.900 30.163 34.924 40.169 80 11.286 14.164 17.225 20.516 24.104 27.953 32.550 37.684 43.317 [x]+9 [x]+10 [x]+ll [x]+l2 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------- ------- ------- 0 0.119 0.119 0.127 0.161 0.200 0.257 0.311 15 1 0.119 0.119 0.127 0.161 0.200 0.257 0.311 16 2 0.119 0.127 0.161 0.200 0.257 0.311 0.365 17 3 0.127 0.161 0.200 0.257 0.311 0.365 0.411 18 4 0 161 0.200 0.257 0.311 0.365 0.411 0.445 19 5 0.200 0.257 0.311 0.365 0.411 0.445 0.457 20 6 0.257 0.311 0.365 0.411 0.445 0.457 0.433 21 7 0.311 0.365 0.411 0.445 0.457 0.443 0.416 22 8 0.365 0.411 0.445 0.457 0.452 0.425 0.403 23 9 0.411 0.445 0.457 0.462 0.434 0.411 0.394 24 10 0.445 0.457 0.471 0.443 0.420 0.402 0.381 25 11 0.457 0.480 0.452 0.429 0.411 0.390 0.373 26 12 0.490 0.461 0.438 0.419 0.398 0.381 0.357 27 13 0.470 0.446 0.428 0.406 0.389 0.365 0.368 28 14 0.455 0.436 0.415 0.397 0.373 0.376 0.374 29 15 0.441 0.423 0.405 0.380 0.384 0.382 0.382 30 16 0.431 0.410 0.388 0.392 0.390 0.390 0.390 31 17 0.421 0.399 0.402 0.400 0.400 0.399 0.390 32 18 0.410 0.391 0.396 0.400 0.403 0.399 0.393 33 19 0.395 0.378 0.390 0.397 0.403 0.404 0.405 34 20 0.383 0.369 0.384 0.391 0.405 0.416 0.423 35 21 0.399 0.393 0.403 0.415 0.429 0.448 0.459 36 22 0.401 0.404 0.413 0.433 0.457 0.485 0.506 37 23 0.413 0.422 0.435 0.463 0.495 0.521 0.553 38 24 0.434 0.456 0.472 0.510 0.550 0.583 0.620 39 25 0.466 0.497 0.526 0.573 0.621 0.657 0.699 40 26 0.498 0.535 0.578 0.626 0.681 0.727 0.768 41 27 0.552 0.594 0.641 0.696 0.756 0.806 0.845 42 28 0.611 0.654 0.705 0.764 0.830 0.884 0.931 43 29 0.682 0.729 0.780 0.842 0.908 0.969 1.027 44 30 0.761 0.812 0.866 0.928 0.998 1.063 1.138 45 31 0.835 0.891 0.951 1.018 1.095 1.170 1.261 46 32 0 899 0.959 1.027 1.100 1.185 1.274 1.378 47 33 0.962 1.033 1.111 1.204 1.312 1.421 1.544 48 34 1.023 1.108 1.203 1.323 1.455 1.583 1.740 49 35 1.104 1.202 1.314 1.450 1.599 1.743 1.923 50 36 1.195 1.307 1.433 1.586 1.7__ 1 917 2.109 51 37 1.303 1.425 1.562 1.728 2.___ 1.104 2.294 52 38 1.451 1.575 1.719 1.893 2.___ 2.313 2.498 53 39 1.611 1.745 1.901 2.095 2.329 2.581 2.786 54 40 1.758 1.897 2.062 2.275 2.529 2.818 3.074 55 41 1.909 2.069 2.262 2.499 2.792 3.140 3.484 56 42 2.111 2.300 2.521 2.785 3.118 3.514 3.946 57 43 2.287 2.511 2.775 3.090 3.467 3.919 4.442 58 44 2.464 2.740 3.062 3.431 3.862 4.364 4.978 59 45 2.658 2.996 3.377 3.811 4.298 4.865 5.541 60 46 2.878 3.271 3.717 4.222 4.782 5.420 6.145 61 47 3.131 3.563 4.053 4.616 5.235 5.919 6.576 62 48 3.419 3.874 4.409 5.028 5.703 5.460 7.281 63 49 3.733 4.211 4.782 5.448 6.201 7.042 7.955 64 50 4.062 4.577 5.201 5.957 6.824 7.811 8.883 65 51 4.500 5.046 5.733 6.571 7.555 8.677 9.895 66 52 4.944 5.546 6.304 7.239 8.345 9.603 10.966 67 53 5.391 6.069 6.919 7.958 9.175 10.576 12.107 68 54 5.854 6.620 7.582 8.724 10.054 11.600 13.259 69 55 6.342 7.214 8.292 9.550 11.005 12.712 14.474 70 56 6.868 7.855 9.057 10.446 12.048 13.925 15.919 71 57 7.444 8.549 9.890 11.432 13.196 15.269 17.547 72 58 8.077 9.303 10.789 12.498 14.463 16.765 19.277 73 59 8.781 10.122 11.744 13.648 15.353 18.410 21.179 74 60 9.563 11.010 12.780 14.896 17.366 20.209 23.256 75 61 10.419 12.030 14.022 16.448 19.316 22.571 26.158 76 62 11.366 13.158 15.396 18.167 21.439 25.191 29.378 77 63 12.365 14.421 17.017 20.251 24.131 28.570 33.703 78 64 13.430 15.728 18.637 22.312 26.707 31.759 37.718 79 65 14.645 17.259 20.620 24.857 29.974 35.879 42.841 80 66 16.075 18.995 22.733 27.455 33.160 39.770 47.364 81 67 17.829 21.150 25.387 30.723 37.183 44.743 53.353 82 68 19.976 23.669 28.300 34.093 41.112 49.445 58.852 83 69 22.536 26.722 31.863 38.240 46.012 55.409 66.325 84 70 25.479 30.216 35.877 42.859 51.405 61.928 74.720 85 71 27.778 33.165 39.627 47.608 57.382 69.441 82.964 86 72 30.270 36.527 44.057 53.357 64.783 78.389 93.496 87 73 32.929 40.163 48.873 59.654 72.920 87.537 105.112 88 74 35.247 43.278 52.969 64.981 79.148 95.165 114.793 89 75 37.038 45.791 56.371 69.484 84.257 101.772 123.273 90 76 38.471 47.558 58.537 72.114 87.076 105.249 127.535 91 77 39.921 49.345 60.700 74.757 89.931 108.751 131.851 92 78 42.267 52.214 64.215 78.546 94.681 114.487 138.855 93 79 45.733 56.545 69.542 84.271 101.534 123.129 149.486 94 80 49.361 50.965 74.932 90.112 108.778 131.924 160.319 95 176.350 95 193.985 96 213.384 98 234.722 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 MEDICAL UNPROJECTED FEMALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ----- ------ ------ ------ ------ ------ ------ ------ 18 0.352 0.374 0.388 0.439 0.461 0.463 0.459 0.459 19 0.343 0.369 0.418 0.427 0.439 0.439 0.439 0.439 20 0.326 0.389 0.405 0.409 0.416 0.410 0.419 0.420 21 0.342 0.384 0.404 0.405 0.410 0.405 0.423 0.437 22 0.332 0.376 0.401 0.403 0.408 0.413 0.427 0.443 23 0.330 0.371 0.402 0.404 0.415 0.426 0.442 0.465 24 0.322 0.365 0.397 0.410 0.428 0.446 0.464 0.493 25 0.319 0.357 0.397 0.417 0.448 0.474 0.498 0.534 26 0.309 0.349 0.390 0.417 0.459 0.498 0.528 0.569 27 0.316 0.353 0.396 0.435 0.485 0.536 0.578 0.626 28 0.331 0.368 0.413 0.458 0.514 0.578 0.626 0.692 29 0.351 0.390 0.436 0.487 0.555 0.626 0.692 0.772 30 0.379 0.424 0.475 0.527 0.601 0.692 0.766 0.866 31 0.400 0.456 0.507 0.569 0.649 0.753 0.846 0.953 32 0.414 0.474 0.534 0.599 0.690 0.807 0.916 1.038 33 0.415 0.483 0.552 0.632 0.740 0.868 0.992 1.124 34 0.409 0.490 0.573 0.668 0.791 0.935 1.068 1.215 35 0.414 0.511 0.609 0.725 0.858 1.021 1.164 1.325 36 0.420 0.536 0.654 0.785 0.940 1.115 1.278 1.450 37 0.440 0.571 0.708 0.858 1.030 1.222 1.396 1.588 38 0.479 0.631 0.796 0.964 1.153 1.362 1.555 1.769 39 0.529 0.714 0.896 1.079 1.284 1.522 1.730 1.957 40 0.578 0.787 0.986 1.189 1.406 1.654 1.876 2.122 41 0.626 0.857 1.085 1.301 1.532 1.791 2.022 2.286 42 0.685 0.948 1.199 1.436 1.685 1.968 2.221 2.509 43 0.731 1.016 1.237 1.535 1.805 2.109 2.374 2.680 44 0.775 1.079 1.366 1.636 1.919 2.243 2.527 2.839 45 0.820 1.140 1.448 1.742 2.043 2.389 2.684 3.002 46 0.861 1.199 1.530 1.852 2.186 2.548 2.854 3.193 47 0.900 1.269 1.626 1.977 2.347 2.730 3.052 3.416 48 0.937 1.345 1.738 2.115 2.530 2.951 3.298 3.683 49 0.976 1.426 1.853 2.265 2.727 3.197 3.578 3.994 50 1.014 1.513 1.973 2.421 2.923 3.441 3.866 4.315 51 1.076 1.636 2.149 2.639 3.182 3.765 4.237 4.725 52 1.142 1.769 2.332 2.858 3.438 4.071 4.582 5.085 53 1.213 1.903 2.512 3.069 3.685 4.342 4.860 5.395 54 1.293 2.038 2.692 3.281 3.922 4.571 5.103 5.691 55 1.376 2.188 2.891 3.504 4.145 4.802 5.359 5.975 56 1.477 2.356 3.110 3.738 4.384 5.063 5.640 6.289 57 1.601 2.553 3.349 4.004 4.665 5.373 5.977 6.651 58 1.746 2.777 3.635 4.333 5.015 5.766 6.396 7.089 59 1.908 3.036 3.974 4.711 5.440 6.239 6.893 7.589 60 2.089 3.329 4.341 5.126 5.926 6.768 7.438 8.139 61 2.303 3.634 4.718 5.569 6.436 7.319 8.007 8.727 62 2.539 3.938 5.091 6.028 6.933 7.867 8.583 9.340 63 2.797 4.284 5.502 6.487 7.410 8.383 9.129 9.926 64 3.081 4.691 5.956 6.946 7.883 8.888 9.654 10.495 65 3.392 5.105 6.419 7.396 8.367 9.407 10.206 11.119 66 3.718 5.490 6.841 7.833 8.862 9.970 10.841 11.860 67 4.069 5.809 7.177 8.246 9.379 10.610 11.604 12.770 68 4.438 6.074 7.443 8.628 9.920 11.347 12.539 13.992 69 4.827 6.317 7.680 8.986 10.484 12.180 13.721 15.456 70 5.227 6.526 7.884 9.316 11.058 13.159 15.057 17.111 71 5.599 6.979 8.419 9.927 11.836 14.074 16.087 18.270 72 5.988 7.452 8.971 10.628 12.662 15.040 17.181 19.499 73 6.385 7.931 9.593 11.354 13.513 16.040 18.307 20.764 74 6.686 8.343 10.080 11.919 14.177 16.818 19.182 21.733 75 6.907 8.611 10.394 12.284 14.600 17.305 19.718 22.327 76 7.049 8.778 10.589 12.507 14.852 17.588 20.028 22.660 77 7.179 8.934 10.772 12.712 15.081 17.847 20.308 22.955 78 7.457 9.274 11.173 13.172 15.616 18.467 20.993 23.712 79 7.923 9.847 11.851 13.962 16.540 19.542 22.199 25.055 80 8.376 10.398 12.506 14.723 17.426 20.573 23.352 26.337 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------ ------- ------- 18 0.460 0.462 0.470 0.512 0.558 0.605 0.642 0.675 33 19 0.445 0.457 0.470 0.523 0.573 0.624 0.665 0.707 34 20 0.435 0.457 0.475 0.533 0.582 0.641 0.697 0.748 35 21 0.462 0.494 0.524 0.575 0.630 0.691 0.762 0.824 36 22 0.475 0.514 0.554 0.604 0.670 0.747 0.836 0.920 37 23 0.499 0.544 0.593 0.646 0.727 0.818 0.910 1.018 38 24 0.534 0.586 0.652 0.711 0.811 0.922 1.031 1.157 39 25 0.581 0.640 0.719 0.803 0.924 1.054 1.176 1.320 40 26 0.622 0.693 0.785 0.895 1.022 1.172 1.319 1.468 41 27 0.692 0.778 0.883 1.006 1.151 1.317 1.479 1.628 42 28 0.772 0.872 0.985 1.120 1.278 1.464 1.636 1.809 43 29 0.866 0.987 1.112 1.255 1.426 1.616 1.807 2.012 44 30 0.981 1.116 1.255 1.411 1.586 1.790 2.000 2.237 45 31 1.092 1.240 1.393 1.561 1.753 1.979 2.210 2.469 46 32 1.187 1.351 1.513 1.700 1.910 2.151 2.398 2.688 47 33 1.282 1.457 1.643 1.854 2.098 2.371 2.662 2.999 48 34 1.378 1.562 1.777 2.015 2.297 2.619 2.955 3.366 49 35 1.506 1.700 1.934 2.192 2.507 2.866 3.239 3.706 50 36 1.641 1.848 2.096 2.381 2.732 3.132 3.549 4.031 51 37 1.792 2.007 2.275 2.585 2.965 3.407 3.862 4.330 52 38 1.985 2.225 2.504 2.834 3.234 3.700 4.193 4.656 53 39 2.203 2.461 2.764 3.120 3.550 4.058 4.622 5.127 54 40 2.387 2.674 2.991 3.358 3.807 4.351 4.982 5.561 55 41 2.579 2.892 3.236 3.637 4.130 4.742 5.457 6.194 56 42 2.832 3.173 3.554 4.003 4.544 5.206 6.001 6.891 57 43 3.010 3.395 3.831 4.351 4.956 5.687 6.574 7.617 58 44 3.175 3.612 4.127 4.719 5.408 6.223 7.188 8.340 59 45 3.354 3.847 4.436 5.114 5.900 6.802 7.830 9.064 60 46 3.571 4.094 4.759 5.530 6.419 7.393 8.517 9.860 61 47 3.844 4.377 5.092 5.921 6.857 7.903 9.122 10.502 62 48 4.161 4.694 5.436 6.292 7.293 8.445 9.762 11.225 63 49 4.496 5.033 5.774 6.663 7.750 9.002 10.428 12.014 64 50 4.817 5.351 6.128 7.108 8.308 9.709 11.330 13.135 65 51 5.223 5.788 6.627 7.683 8.981 10.529 12.325 14.319 66 52 5.610 6.237 7.141 8.279 9.693 11.387 13.349 15.525 67 53 5.991 6.669 7.657 8.900 10.433 12.253 14.383 16.760 68 54 6.352 7.095 8.182 9.550 11.193 13.136 15.425 17.936 69 55 6.712 7.530 8.731 10.222 11.987 14.053 16.519 19.125 70 56 7.077 7.986 9.303 10.923 12.821 15.04_ 17.675 20.534 71 57 7.460 8.471 9.906 11.662 13.711 16.081 18.920 22.081 72 58 7.890 8.992 10.540 12.432 14.642 17.216 20.266 23.653 73 59 8.403 9.559 11.207 13.219 15.609 18.410 21.698 25.319 74 60 8.984 10.172 11.907 14.043 16.620 19.664 23.207 27.256 75 61 9.612 10.825 12.701 15.031 17.893 21.310 25.411 30.036 76 62 10.267 11.528 13.552 16.092 19.256 23.188 27.787 33.043 77 63 10.911 12.235 14.481 17.330 21.043 25.571 30.869 37.112 78 64 11.557 12.957 15.389 18.606 22.716 27.722 33.594 40.642 79 65 12.278 13.767 16.555 20.170 24.788 30.459 37.137 45.151 80 66 13.137 14.814 17.852 21.782 26.804 32.973 40.262 48.798 81 67 14.283 16.098 19.469 23.814 29.351 36.164 44.283 53.715 82 68 15.711 17.667 21.331 25.976 31.858 39.090 47.819 57.862 83 69 17.397 19.513 23.566 28.606 34.931 42.750 52.331 63.642 84 70 19.307 21.588 26.063 31.488 38.257 46.642 57.081 69.936 85 71 20.602 23.020 27.966 33.985 41.501 50.812 62.434 75.884 86 72 21.973 24.523 30.098 36.899 45.394 55.956 69.161 83.471 87 73 23.372 26.068 32.319 39.949 49.504 61.396 75.477 92.236 88 74 24.448 27.250 33.988 42.233 52.565 65.437 80.658 98.999 89 75 25.098 27.946 35.078 43.811 54.755 68.976 84.785 104.450 90 76 25.447 28.314 35.513 44.320 55.815 70.240 86.193 106.175 91 77 25.760 28.640 35.895 45.139 56.826 71.324 87.520 107.806 92 78 26.589 29.540 37.305 46.894 59.014 73.690 90.468 112.425 93 79 28.073 31.427 39.674 49.853 62.706 77.706 96.294 119.823 94 80 29.734 33.274 41.990 52.738 66.307 82.293 102.124 127.204 95 139.924 96 153.916 97 169.308 98 186.239 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 MEDICAL UNPROJECTED FEMALE SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ------ ------ ------ ------ ------ ------ ------ ------ 18 0.391 0.440 0.482 0.846 0.894 0.892 0.884 0.885 19 0.381 0.434 0.805 0.821 0.851 0.847 0.847 0.847 20 0.362 0.709 0.780 0.787 0.807 0.791 0.808 0.809 21 0.589 0.700 0 777 0.780 0.795 0.781 0 815 0.842 22 0.572 0.685 0.772 0.775 0.790 0.796 0 823 0.853 23 0.569 0.677 0.774 0.778 0.804 0.822 0 853 0.896 24 0.555 0.665 0 765 0.790 0.829 0.861 0.895 0.951 25 0.549 0.651 0.765 0.803 0.867 0.913 0.960 1.029 26 0.533 0.636 0.751 0.803 0.890 0.960 1.017 1.097 27 0.545 0.643 0.762 0.838 0.940 1.033 1.114 1.207 28 0.569 0 671 0.794 0.882 0.996 1.114 1.207 1.334 29 0.605 0.711 0.838 0.937 1.075 1.207 1.334 1.488 30 0.652 0.773 0.915 1.014 1.165 1.334 1.476 1.670 31 0.690 0.832 0.975 1.095 1.257 1.452 1.631 1.836 32 0.713 0.864 1.027 1.153 1.337 1.555 1.765 2.002 33 0.714 0.881 1.062 1.217 1.433 1.673 1.912 2.167 34 0.704 0.894 1.103 1.286 1.532 1.803 2.059 2.341 35 0.713 0.932 1.172 1.395 1.663 1.968 2.245 2.554 36 0.723 0.978 1.259 1.510 1.821 2.150 2.465 2.796 37 0.758 1.041 1.364 1.652 1.996 2.355 2.691 3.062 38 0.825 1.152 1.533 1.855 2.234 2.627 2.998 3.411 39 0.911 1.301 1.724 2.076 2.488 2.933 3.336 3.772 40 0.996 1.435 1.899 2.289 2.724 3.188 3.616 4.092 41 1.079 1.562 2.089 2.505 2.968 3.453 3.898 4.408 42 1.180 1.729 2.308 2.763 3.265 3.794 4.283 4.836 43 1.259 1.852 2.477 2.954 3.497 4.065 4.577 5.168 44 1.334 1.967 2.630 3.149 3.718 4.325 4.872 5.474 45 1.413 2.079 2.787 3.353 3.958 4.605 5.174 5.788 46 1.483 2.187 2.945 3.565 4.236 4.911 5.503 6.156 47 1.550 2.315 3.130 3.806 4.548 5.262 5.883 6.585 48 1.614 2.452 3.344 4.071 4.902 5.690 6.358 7.101 49 1.681 2.601 3.567 4.360 5.283 6.162 6.897 7.699 50 1.746 2.760 3.798 4.660 5.664 6.634 7.453 8.319 51 1.853 2.983 4.137 5.080 6.165 7.258 8.168 9.109 52 1.966 3.225 4.489 5.501 6.660 7.848 8.834 9.803 53 2.088 3.470 4.834 5.907 7.141 8.371 9.370 10.402 54 2.227 3.717 5.182 6.316 7.599 8.813 9.838 10.971 55 2.370 3.989 5.564 6.746 8.031 9.258 10.331 11.520 56 2.545 4.296 5.986 7.195 8.494 9.761 10.874 12.123 57 2.757 4.655 6.447 7.708 9.038 10.358 11.524 12.823 58 3.006 5.065 6.997 8.340 9.716 11.115 12.330 13.667 59 3.287 5.536 7.648 9.069 10.541 12.027 13.289 14.630 60 3.598 6.070 8.355 9.866 11.482 13.048 14.340 15.691 61 3.966 6.626 9.082 10.719 12.470 14.109 15.437 16.824 62 4.373 7.180 9.799 11.603 13.432 15.166 16.547 18.006 63 4.816 7.813 10.590 12.487 14.357 16.161 17.599 19.137 64 5.306 8.554 11.465 13.369 15.274 17.134 18.611 20.234 65 5.841 9.309 12.355 14.236 16.211 18.135 19.675 21.435 66 6.403 10.012 13.168 15.077 17.170 19.221 20.901 22.864 67 7.007 10.593 13.814 15.871 18.173 20.454 22.370 24.619 68 7.643 11.076 14.327 16.607 19.220 21.876 24.173 26.975 69 8.313 11.519 14.784 17.296 20.313 23.481 26.452 29.796 70 9.002 11.900 15.176 17.932 21.425 25.369 29.028 32.988 71 9.642 12.727 16.205 19.108 22.932 27.132 31.014 35.223 72 10.313 13.589 17.267 20.458 24.533 28.995 33.123 37.591 73 10.996 14.463 18.464 21.855 26.180 30.922 35.294 40.029 74 11.515 15.214 19.403 22.943 27.468 32.422 36.981 41.898 75 11.896 15.702 20.007 23.645 28.287 33.361 38.014 43.044 76 12.139 16.006 20.383 24.073 28.776 33.906 38.611 43.685 77 12.364 16.292 20.734 24.469 29.219 34.406 39.151 44.255 78 12.842 16.911 21.506 25.353 30.255 35.601 40.472 45.714 79 13.646 17.956 22.811 26.874 32.047 37.674 42.797 48.302 80 14.425 18.961 24.072 28.340 33.763 39.661 45.019 50.773 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------- ------- ------- ------- 18 0.887 0.890 0.874 0.918 0.963 1.007 1.031 1.044 33 19 0.858 0.880 0.873 0.936 0.989 1.038 1.067 1.094 34 20 0.839 0.880 0.883 0.954 1.004 1.068 1.119 1.158 35 21 0.891 0.952 0.974 1.029 1.088 1.151 1.224 1.275 36 22 0.916 0.991 1.029 1.082 1.158 1.244 1.342 1.424 37 23 0.962 1.049 1.102 1.158 1.255 1 362 1.461 1.575 38 24 1.029 1.129 1.212 1.273 1.400 1.534 1.655 1.790 39 25 1.120 1.235 1.336 1.439 1.595 1.755 1.888 2.043 40 26 1.199 1.337 1.459 1.603 1.765 1.951 2.117 2.272 41 27 1.334 1.500 1.641 1.801 1.987 2.193 2.375 2.520 42 28 1.488 1.682 1.829 2.006 2.207 2.437 2.625 2.801 43 29 1.670 1.903 2.067 2.248 2.462 2.689 2.901 3.114 44 30 1.890 2.151 2.332 2.527 2.738 2.979 3.211 3.463 45 31 2.105 2.390 2.588 2.796 3.027 3.295 3.547 3.822 46 32 2.289 2.604 2.811 3.045 3.298 3.581 3.849 4.161 47 33 2.471 2.810 3.053 3.320 3.623 3.948 4.274 4.642 48 34 2.657 3.012 3.301 3.609 3.966 4.360 4.743 5.210 49 35 2.903 3.278 3.593 3.926 4.329 4.771 5.199 5.737 50 36 3.164 3.564 3.894 4.264 4.718 5.215 5.697 6.240 51 37 3.454 3.869 4.227 4.629 5.119 5.672 6.200 6.702 52 38 3.826 4.289 4.652 5.075 5.584 6.160 6.731 7.207 53 39 4.246 4.744 5.135 5.589 6.129 6.756 7.419 7.936 54 40 4.601 5.155 5.558 6.014 6.574 7.243 7.998 8.607 55 41 4.972 5.575 6.012 6.515 7.131 7.894 8.759 9.587 56 42 5.460 6.118 6.603 7.169 7.846 8.666 9.633 10.666 57 43 5.802 6.544 7.119 7.793 8.557 9.468 10.553 11.790 58 44 6.121 6.964 7.669 8.452 9.338 10.360 11.539 12.909 59 45 6.465 7.417 8.243 9.160 10.188 11.323 12.569 14.030 60 46 6.884 7.892 8.843 9.904 11.084 12.308 13.672 15.262 61 47 7.410 8.439 9.461 10.604 11.840 13.157 14.643 16.255 62 48 8.023 9.050 10.101 11.269 12.592 14.058 15.670 17.374 63 49 8.667 9.703 10.729 11.934 13.382 14.985 16.739 18.595 64 50 9.287 10.317 11.385 12.731 14.345 16.162 18.188 20.331 65 51 10.069 11.158 12.313 13.760 15.506 17.528 19.784 22.163 66 52 10.815 12.024 13.268 14.827 16.736 18.957 21.428 24.029 67 53 11.550 12.856 14.228 15.940 18.015 20.398 23.087 25.941 68 54 12.245 13.679 15.202 17.105 19.327 21.868 24.760 27.762 69 55 12.940 14.517 16.222 18.308 20.697 23.404 26.516 29.601 70 56 13.644 15.396 17.285 19.563 22.138 25.02_ 28.371 31.783 71 57 14.381 16.330 18.406 20.888 23.675 26.788 30.370 34.178 72 58 15.211 17.335 19.584 22.266 25.281 28.661 32.531 36.610 73 59 16.200 18.428 20.823 23.676 26.952 30.649 34.829 39.189 74 60 17.319 19.610 22.124 25.152 28.696 32.735 37.252 42.187 75 61 18.530 20.869 23.599 26.921 30.896 35.477 40.790 46.491 76 62 19.794 22.225 25.181 28.822 33.249 38.602 44.603 51.144 77 63 21.035 23.587 26.907 31.039 36.334 42.669 49.550 57.443 78 64 22.280 24.979 28.594 33.325 39.223 46.149 53.924 62.907 79 65 23.671 26.542 30.760 36.125 42.801 50.708 59.612 69.886 80 66 25.327 28.559 33.169 39.012 46.282 54.893 64.628 75.531 81 67 27.536 31.035 36.175 42.651 50.679 60.204 71.082 83.141 82 68 30.289 34.060 39.634 46.525 55.008 65.074 76.759 89.560 83 69 33.539 37.619 43.787 51.235 60.315 71.168 84.001 98.506 84 70 37.222 41.618 48.427 56.396 66.057 77.647 91.626 108.249 85 71 39.718 44.379 51.963 60.869 71.657 84.590 100.218 117.765 86 72 42.361 47.277 55.924 66.089 78.380 93.154 110.739 129.905 87 73 45.059 50.256 60.050 71.550 85.477 102.210 121.053 143.927 88 74 47.131 52.534 63.151 75.640 90.762 108.867 129.651 154.748 89 75 48.386 53.875 65.177 78.468 94.543 114.169 136.498 163.471 90 76 49.058 54.586 65.985 79.379 96.374 116.131 138.833 166.231 91 77 49.661 55.214 66.695 80.845 98.119 117.996 141.036 168.840 92 78 51.259 56.948 69.315 83.990 101.897 122.068 145.927 176.230 93 79 54.121 60.586 73.716 89.289 108.270 128.979 155.594 188.067 94 80 57.324 64.148 78.021 94.456 113.866 136.873 165.268 199.876 95 219.864 96 241.850 97 266.035 98 292.639 99
Memorandum Addendum No. X to the Automatic Reinsurance Agreement effective June 1, 1984 between the Life Insurance Company of Virginia and North American Reassurance Company. Effective February 1, 1994, reinsurance generated on the DL881 plan and the Accelerated Death Benefit Rider shall be ceded under the above referenced Reinsurance Agreement subject to the same terms and conditions of the Agreement except as provided below: 1. Plan of Reinsurance: A. Reinsurance of Life risks shall be on the risk premium basis. The risk amount on the policy reinsured shall be calculated monthly and shall be equal to the death benefit less the cash value. At the time of issue, the Ceding Company shall cede to North American Re a portion of the initial risk amount in excess of its retention. Thereafter, the Ceding Company and North American Re shall keep the same proportionate shares of the risk amount developed each month. 2. Reinsurance Administration: A. Reinsurance shall be ceded using a bordereau format in accordance with the suggested reporting details for Universal Life products as indicated in Exhibit C of the basic Agreement. 3. Reinsurance Premiums: A. Life Premiums i) Until further notice, reinsurance premiums shall be developed as described in the Exhibit B attached to this Memorandum Addendum. North American Re guarantees that premium rates for a given attained age, rating, and duration shall not exceed the higher of the rate shown in the attached schedule (Exhibit B) for that age, rating, and duration or the one year term rate on the appropriate multiple of the applicable 1980 CSO table at the maximum statutory valuation rate approved in New York state. ii) Reinsurance premiums are annual premiums payable at the end of the month in which they become due. 4. Premium Tax Reimbursement: A. The reinsurance premiums for these plans of insurance have been calculated to reflect the Ceding Company's premium tax liability. North American Re shall not make any additional reimbursement for premium taxes. - 1 - 5. Percentage of Participation: A. North American Re's percentage of participation shall be equal to 20%, not to exceed the limits specified in Exhibit G of the Agreement to which this Memorandum Addendum is attached. IN WITNESS WHEREOF, the Company and North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. THE LIFE INSURANCE COMPANY OF VIRGINIA By: Illegible Attest: Illegible ------------------------------------ --------------------------- Title: Zd V.P. Title: Illegible ---------------------------------- ---------------------------- Date: 3/28/94 Date: 3/28/94 ---------------------------------- ----------------------------- NORTH AMERICAN REASSURANCE COMPANY By: Illegible Attest: Illegible ------------------------------------ --------------------------- Title: Exec. Vice-President Title: Asst. VP ---------------------------------- ---------------------------- Date: 3/31/94 Date: 3/31/94 ---------------------------------- ----------------------------- - 2 - REINSURANCE PREMIUMS I. Plan & Rider: DL881 Accelerated Death Benefit Rider II. Standard Reinsurance Risk Premiums: Reinsurance on the above plans shall be ceded on a bordereau basis employing annual reinsurance premiums. The reinsurance premiums shall equal the mortality assumptions attached to this Exhibit B, multiplied by the following factors: ISSUE PREF STD PREF STD AGE NS NS SMK SMK ---------- ----- ----- ----- ----- 0-40 1.500 1.350 1.450 1.225 41-60 1.320 1.150 1.220 1.025 61 & Older 1.400 1.250 1.350 1.125 III. Multiple Table Substandard Reinsurance Premiums: Multiple table substandard reinsurance premiums are equal to the sum of the standard premium and 15% of the standard premium for each 25% excess mortality. IV. Flat Extra Substandard Reinsurance Premiums: a) Permanent Flat Extra Premiums are ones assessed for more than 5 years. North American Re should receive its proportionate share of any such premiums less a 10% reduction in all policy years. b) Temporary Flat Extra Premiums are ones assessed for 5 years or less. North American Re should receive its proportionate share of any such premiums less a 10% reduction in all policy years. V. Accelerated Death Benefit Rider: North American Re shall participate in its share of any death benefits that are accelerated. VI. Maximum Amount Of Reinsurance On One Life On These Reinsurance Premiums: $10,000,000. For ceded risk amounts in excess of $10,000,000, the reinsurance premiums described in Section II, above, increased by 10%, shall apply. EXHIBIT B Page 1 of 2 VII. Reinsurance Premiums For Policies Converted To The DL881 Plan: Any reinsurance in force with the North American Re on policies converted to or reissued on the DL881 Plan shall be continued with the North American Re. The reinsured risk amount shall be determined as described in Paragraph 1 of this Memorandum Addendum following the conversion or reissue. The applicable reinsurance premiums will be determined as described in this Exhibit B, with age and duration measured from the date of issue of the original policy. VIII. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B Page 2 of 2 EXPECTED MORTALITY ASSUMPTIONS (l000qx) DOMINION LIFE 881 MEDICAL UNPROJECTED MALE PREFERRED NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ----- ------ ------ ------ ------ ------ ------ ------ ------ 0 0.612 0.401 0.345 0.291 0.282 0.266 0.255 0.236 0.222 1 0.612 0 401 0.345 0.291 0.282 0.266 0.255 0.236 0.222 2 0.402 0 322 0.290 0.272 0.253 0.253 0.233 0.219 0.218 3 0.324 0 272 0.272 0.244 0.241 0.232 0.218 0.216 0.222 4 0.274 0.255 0.245 0.233 0.222 0.217 0.215 0.220 0.239 5 0.257 0.230 0.234 0.215 0.208 0.214 0.219 0.238 0.309 6 0.233 0.221 0.216 0.202 0.206 0.219 0.237 0.308 0.388 7 0.224 0.204 0.203 0.200 0.211 0.238 0.308 0.387 0.506 8 0.209 0.194 0.204 0.207 0.231 0.311 0.390 0.509 0.623 9 0.198 0.194 0.210 0.226 0.301 0.392 0.511 0.625 0.740 10 0.195 0.197 0.227 0.292 0.377 0.512 0.625 0.740 0.841 11 0.199 0.213 0.293 0.364 0.488 0.619 0.730 0.827 0.902 12 0.214 0.273 0.363 0.469 0.587 0.719 0.812 0.882 0.906 13 0.275 0.340 0.468 0.564 0.683 0.800 0.865 0.885 0.629 14 0.341 0.436 0.562 0.655 0.759 0.853 0.870 0.616 0.588 15 0.437 0.524 0.647 0.716 0.790 0.852 0.611 0.580 0.559 16 0.529 0.608 0.692 0.731 0.781 0.599 0.577 0.554 0.530 17 0.609 0.646 0.710 0.727 0.562 0.563 0.544 0.525 0.502 18 0.609 0.638 0.700 0.518 0.534 0.527 0.507 0.489 0.472 19 0.582 0.618 0.490 0.484 0.491 0.482 0.465 0.448 0.438 20 0.542 0.422 0.456 0.448 0.448 0.431 0.423 0.409 0.402 21 0.349 0.385 0.427 0.423 0.424 0.415 0.424 0.423 0.434 22 0.305 0.340 0.383 0.376 0.378 0.380 0.379 0.381 0.391 23 0.271 0.300 0.340 0.334 0.341 0.343 0.345 0.347 0.359 24 0.235 0.260 0.297 0.300 0.307 0.314 0.312 0.320 0.338 25 0.209 0 229 0.268 0.272 0.287 0.294 0.298 0.311 0 329 26 0.194 0.214 0.248 0.257 0.274 0.291 0.300 0.314 0.336 27 0.189 0.203 0.237 0.249 0.272 0.296 0.310 0.329 0.361 28 0.188 0.203 0.233 0.250 0.277 0.306 0.325 0.356 0.388 29 0.194 0.206 0.238 0.259 0.290 0.325 0.356 0.388 0.431 30 0.197 0.213 0.249 0.268 0.304 0.351 0.379 0.425 0.474 31 0.199 0.221 0.255 0.281 0.322 0.369 0.411 0.455 0.515 32 0.201 0.224 0.264 0.294 0.336 0.393 0.440 0.492 0.555 33 0.197 0.225 0.273 0.305 0.358 0.419 0.472 0.528 0.595 34 0.188 0.224 0.274 0.316 0.374 0.441 0.497 0.558 0.630 35 0.190 0.229 0.289 0.339 0.401 0.476 0.537 0.607 0.686 36 0.191 0.242 0.311 0.368 0.441 0.524 0.597 0.673 0.754 37 0.202 0.258 0.339 0.405 0.487 0.581 0.659 0.743 0.837 38 0.217 0.282 0.376 0.449 0.542 0.644 0.728 0.827 0.935 39 0.236 0.314 0.418 0.500 0.600 0.712 0.809 0.922 1.043 40 0.260 0.349 0.466 0.558 0.663 0.788 0.900 1.025 1.159 41 0.283 0.385 0.519 0.617 0.735 0.877 0.995 1.132 1.285 42 0.308 0.424 0.568 0.679 0.815 0.969 1.100 1.250 1.419 43 0.333 0.458 0.621 0.747 0.896 1.065 1.207 1.370 1.549 44 0.357 0.496 0.678 0.817 0.978 1.164 1.318 1.491 1.689 45 0.385 0.539 0.738 0.893 1.069 1.272 1.439 1.631 1.840 46 0.416 0.583 0.801 0.976 1.175 1.395 1.583 1.789 2.022 47 0.447 0.634 0.876 1.070 1.298 1.547 1.747 1.977 2.259 48 0.478 0.691 0.961 1.179 1.449 1.727 1.951 2.213 2.539 49 0.513 0.753 1.056 1.308 1.613 1.934 2.198 2.491 2.848 50 0.548 0.824 1.166 1.445 1.789 2.163 2.468 2.798 3.170 51 0.586 0.902 1.283 1.592 1.977 2.403 2.747 3.109 3.519 52 0.630 0.985 1.407 1.751 2.169 2.639 3.015 3.426 3.870 53 0.676 1.071 1.539 1.909 2.361 2.858 3 275 3.722 4.216 54 0.728 1.165 1.675 2.073 2.551 3.080 3.521 4.004 4 559 55 0.787 1.270 1.826 2.247 2.760 3.313 3.771 4 289 4.920 56 0.858 1.389 1.994 2.454 2.989 3.563 4.049 4.609 5.299 57 0.944 1.528 2.199 2.692 3.244 3.857 4.381 4.980 5.702 58 1.045 1.702 2.444 2.971 3.558 4.226 4.789 5 419 6.160 59 1.169 1.905 2.725 3.296 3.941 4.671 5.268 5.925 6.709 60 1.311 2.130 3.036 3.661 4.385 5.173 5.808 6.498 7.337 61 1.474 2.372 3.370 4.063 4.862 5.714 6.393 7 127 8.035 62 1.658 2.625 3.715 4.490 5.349 6.281 7.010 7.808 8.798 63 1.864 2.918 4.098 4.936 5.847 6.846 7.631 8.506 9.591 64 2.098 3.261 4.532 5.404 6.363 7.429 8.272 9.225 10.439 65 2.358 3.625 4.994 5.886 6.912 8.061 8.970 10.043 11.408 66 2.640 3.987 5.444 6.381 7.504 8.764 9.793 11.019 12.577 67 2.954 4.315 5.846 6.885 8.148 9.584 10.781 12.225 13.995 68 3.296 4.618 6.215 7.390 8.856 10.543 12.004 13.710 15.764 69 3.670 4.923 6.579 7.910 9.627 11.660 13.445 15.507 17.890 70 4.073 5.217 6.940 8.435 10.462 12.894 15.107 17.596 20 357 71 4.476 5.734 7.622 9.261 11.462 14.121 16.543 19.264 22.276 72 4.919 6.297 8.369 10.148 12.556 15.466 18.115 21.083 24.385 73 5.395 6.905 9.159 11.101 13.733 16.911 19.795 23.042 26.645 74 5.822 7.435 9.856 11.944 14.773 18.184 21.287 24.776 28.632 75 6.156 7.858 10.416 12.621 15.601 19.204 22.479 26.149 30.212 76 6.432 8.209 10.880 13.177 16.289 20.050 23.456 27.277 31.502 77 6.715 8.567 11.350 13.747 16.991 20.902 24.446 28.418 32.809 78 7.150 9.120 12.083 14.633 18.074 22.229 25.989 30.201 34.853 79 7.792 9.939 13.165 15.934 19.677 24.192 28.274 32.842 37.887 80 8.454 10.781 14.273 17.271 21.320 26.202 30.610 35.544 40.937 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT -- ------ ------ ------ ------ ------- ------- ------- -- 0 0.222 0.228 0.249 0.326 0.414 0.547 0.678 15 1 0.222 0.228 0.249 0.326 0.414 0.547 0.678 16 2 0.224 0.245 0.320 0.406 0.536 0.663 0.795 17 3 0.242 0.315 0.399 0.526 0.650 0.779 0.896 18 4 0.311 0.394 0.518 0.639 0.765 0.879 0.971 19 5 0.390 0.512 0.631 0.754 0.865 0.954 0.996 20 6 0.508 0.625 0.746 0.854 0.941 0.981 0.750 21 7 0.622 0.740 0.846 0.931 0.969 0.733 0.719 22 8 0.740 0.844 0.926 0.962 0.719 0.704 0.699 23 9 0.843 0.923 0.957 0.708 0.692 0.686 0.685 24 10 0.920 0.953 0.698 0.682 0.675 0.673 0.660 25 11 0.930 0.673 0.655 0.646 0.642 0.628 0.620 26 12 0.647 0.628 0.617 0.611 0.596 0.586 0.568 27 13 0.602 0.589 0.581 0.563 0.552 0.532 0.548 28 14 0.568 0.558 0.539 0.527 0.506 0.519 0.529 29 15 0.537 0.521 0.507 0.485 0.495 0.502 0.508 30 16 0.509 0.489 0.471 0.479 0.485 0.488 0.495 31 17 0.481 0.463 0.469 0.474 0.476 0.482 0.478 32 18 0.457 0.437 0.449 0.455 0.464 0.467 0.463 33 19 0.427 0.414 0.429 0.441 0.455 0.458 0.463 34 20 0.402 0.389 0.409 0.422 0.439 0.453 0.468 35 21 0.444 0.436 0.445 0.452 0.462 0.480 0.479 36 22 0.409 0.412 0.419 0.437 0.461 0.480 0.498 37 23 0.381 0.392 0.406 0.439 0.466 0.496 0.527 38 24 0.360 0.384 0.406 0.441 0.485 0.521 0.562 39 25 0.355 0.390 0.418 0 468 0.518 0.561 0.611 40 26 0.372 0.406 0.453 0.503 0.563 0.617 0.672 41 27 0.396 0.441 0.491 0.550 0.617 0.681 0.740 42 28 0.434 0.479 0.535 0 598 0.674 0.746 0.818 43 29 0.483 0.534 0.590 0.660 0.740 0.819 0.900 44 30 0.532 0.587 0.650 0.724 0.810 0.896 1.000 45 31 0.576 0.638 0.709 0.791 0.884 0.986 1.112 46 32 0.624 0.694 0.775 0.864 0.973 1.097 1.242 47 33 0.672 0.752 0.841 0.951 1.084 1.227 1.394 48 34 0.709 0.800 0.907 1.045 1.201 1.368 1.574 49 35 0.767 0.874 1.003 1.160 1.341 1.535 1.777 50 36 0.848 0.973 1.117 1.296 1.504 1.724 1.987 51 37 0 945 1.083 1.244 1.443 1.678 1.929 2.207 52 38 1.054 1.202 1.381 1.599 1.860 2.158 2.448 53 39 1.173 1.336 1.529 1.768 2.067 2.403 2.725 54 40 1.307 1.482 1.690 1.960 2.285 2.674 3.066 55 41 1.449 1.641 1.880 2.169 2.535 2.985 3.468 56 42 1.601 1.826 2.090 2.413 2.826 3.333 3.918 57 43 1.770 2.022 2.327 2.700 3.157 3.721 4.396 58 44 1.942 2.240 2.599 3 023 3.533 4.145 4.929 59 45 2.134 2.487 2.900 3 385 3.948 4.640 5.484 60 46 2.354 2.758 3.230 3.779 4.425 5.186 6.085 61 47 2.612 3.062 3.587 4.224 4.951 5.791 6.759 62 48 2.908 3.392 3.991 4.703 5.517 6.465 7.544 63 49 3.237 3.773 4.426 5.214 6.138 7.215 8.440 64 50 3.606 4.179 4.890 5.769 6.812 8.039 9.420 65 51 3.993 4.622 5.420 6.416 7.624 9.041 10.651 66 52 4.388 5.107 6.024 7.182 8.588 10.256 12.167 67 53 4.787 5.606 6.649 7.951 9.534 11.440 13.633 68 54 5.200 6.150 7.357 8.844 10.657 12.856 15.366 69 55 5.638 6.716 8.084 9.756 11.780 14.259 17.032 70 56 6.104 7.328 8.877 10.752 13.022 15.823 19.019 71 57 6.614 7.980 9.695 11.769 14.282 17.375 21.018 72 58 7.179 8.685 10.578 12.883 15.675 19.126 23.158 73 59 7.807 9.475 11.586 14.190 17.389 21.308 25.891 74 60 8.503 10.320 12.626 15.527 19.104 23.482 28.527 75 61 9.276 11.276 13.849 17.120 21.203 26.113 31.885 76 62 10 133 12.318 15.135 18.767 23.259 28.693 35.152 77 63 11 052 13.469 16.621 20.671 25.735 31.853 39.274 78 64 12.039 14.728 18.217 22.759 28.443 35.306 43.756 79 65 13.180 16.134 20.020 25.082 31.431 39.089 48.518 80 66 14.515 17.792 22.103 27.704 34.723 43.236 53.488 81 67 16.152 19.788 24.536 30.674 38.379 47.777 58.940 82 68 18.168 22.201 27.381 34.052 42.424 52.717 64.849 83 69 20.574 25.029 30.657 37.839 46.843 58.071 71.608 84 70 23.342 28.272 34.345 42.014 51.655 63.852 79.120 85 71 25.547 31.013 37.737 46.245 56.942 70.484 85.409 86 72 27.957 34.084 41.650 51.227 63.292 78.578 93.196 87 73 30.530 37.397 45.880 56.635 70.186 85.372 101.594 88 74 32.802 40.258 49.478 61.173 75.922 90.758 108.398 89 75 34.596 42.550 52.387 64.865 80.170 95.164 114.014 90 76 36.062 44.334 54 563 67.450 82.568 98.144 117.704 91 77 37.541 46.137 56.688 70.049 84.997 101.145 121.419 92 78 39.867 48.913 60.075 74.226 88.890 105.969 127.309 93 79 43.266 53.063 65.164 30.154 94.735 113.136 136.241 94 80 46.729 57.303 70.350 84.973 100.611 120.446 145.339 95 159.873 96 175.861 97 193.447 98 212.791 99
EXPECTED MORTALITY ASSUMPTIONS (1OOOqx) DOMINION LIFE 881 MEDICAL UNPROJECTED MALE NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 0 0.825 0.535 0.424 0.354 0.327 0.292 0.280 0.259 0.244 1 0.825 0.535 0.424 0.354 0.327 0.292 0.280 0.259 0.244 2 0.543 0.429 0.357 0.330 0.294 0.278 0.256 0.241 0.240 3 0.436 0.362 0.334 0.297 0.280 0.255 0.239 0.238 0.244 4 0.369 0.339 0.301 0.283 0.257 0.238 0.236 0.242 0.263 5 0.347 0.307 0.288 0.261 0.241 0.236 0.241 0.261 0.339 6 0.314 0.294 0.266 0.245 0.239 0.241 0.261 0.338 0.426 7 0.302 0.272 0.250 0.244 0.245 0.261 0.338 0.425 0.556 8 0.283 0.259 0.251 0.252 0.268 0.342 0.428 0.559 0.685 9 0.267 0.258 0.258 0.274 0.349 0.431 0.562 0.686 0.814 10 0.264 0.263 0.279 0.355 0.438 0.563 0.687 0.813 0.924 11 0.269 0.284 0.360 0.443 0.567 0.680 0.803 0.909 0.991 12 0.289 0.364 0.446 0.569 0.681 0.790 0.892 0.969 0.996 13 0.371 0.453 0.575 0.685 0.792 0.879 0.950 0.972 0.998 14 0.460 0.582 0.691 0.796 0.881 0.937 0.956 0.978 0.933 15 0.589 0.699 0.795 0.870 0.916 0.936 0.970 0.921 0.887 16 0.714 0.810 0.850 0.888 0.907 0.950 0.916 0.879 0.842 17 0.821 0.861 0.873 0.883 0.941 0.894 0.863 0.833 0.798 18 0.821 0.851 0.861 0.909 0.895 0.836 0.804 0.776 0.748 19 0.785 0.824 0.871 0.849 0.823 0.766 0.738 0.711 0.695 20 0.732 0.813 0.811 0.785 0.751 0.683 0.672 0.649 0.639 21 0.680 0.741 0.759 0.741 0.711 0.658 0.673 0.671 0.689 22 0.594 0.656 0.681 0.661 0.633 0.602 0.602 0.605 0.621 23 0.528 0.577 0.604 0.587 0.572 0.544 0.547 0.550 0.570 24 0.458 0.501 0.527 0.527 0.514 0.498 0.495 0.509 0.536 25 0.408 0.442 0.476 0.477 0.480 0.466 0.473 0.494 0.522 26 0.377 0.412 0.440 0.450 0.460 0.461 0.476 0.499 0.534 27 0.368 0.391 0.420 0.437 0.456 0.470 0.492 0.522 0.573 28 0.366 0.390 0.414 0.439 0.464 0.486 0.515 0.565 0.615 29 0.377 0.396 0.422 0.454 0.487 0.515 0.565 0.615 0.683 30 0.384 0.410 0.442 0.470 0.510 0.558 0.602 0.675 0.752 31 0.388 0.425 0.453 0.492 0.540 0.586 0.652 0.722 0.817 32 0.392 0.431 0.470 0.517 0.563 0.625 0.698 0.781 0.880 33 0.384 0.433 0.484 0.535 0.601 0.665 0.750 0.838 0.944 34 0.367 0.432 0.487 0.555 0.626 0.700 0.789 0.886 0.999 35 0.370 0.440 0.514 0.594 0.673 0.756 0.852 0.964 1.088 36 0.373 0.466 0.553 0.647 0.740 0.831 0.947 1.068 1.197 37 0.394 0.497 0.602 0.711 0.817 0.922 1.047 1.180 1.329 38 0.423 0.543 0.667 0.788 0.908 1.022 1.155 1.312 1.484 39 0.460 0.605 0.742 0.877 1.005 1.130 1.283 1.463 1.656 40 0.506 0.672 0.827 0.979 1.111 1.250 1.429 1.627 1.840 41 0.552 0.741 0.922 1.082 1.232 1.391 1.580 1.797 2.040 42 0.600 0.816 1.010 1.192 1.366 1.538 1.746 1.984 2.252 43 0.649 0.883 1.103 1.310 1.502 1.691 1.916 2.174 2.459 44 0.695 0.955 1.204 1.433 1.639 1.847 2.092 2.367 2.682 45 0.750 1.039 1.311 1.567 1.792 2.018 2.284 2.589 2.921 46 0.810 1.122 1.423 1.713 1.969 2.214 2.513 2.840 3.210 47 0.871 1.221 1.555 1.878 2.176 2.456 2.773 3.138 3.586 48 0.932 1.330 1.708 2.068 2.428 2.742 3.097 3.512 4.029 49 0.999 1.451 1.876 2.295 2.704 3.070 3.489 3.955 4.521 50 1.068 1.587 2.071 2.535 2.998 3.434 3.917 4.441 5.032 51 1.142 1.738 2.279 2.794 3.314 3.815 4.360 4.936 5.586 52 1.227 1.897 2.499 3.072 3.635 4.189 4.786 5.439 6.143 53 1.316 2.063 2.733 3.350 3.958 4.536 5.198 5.908 6.691 54 1.419 2.244 2.974 3.637 4.276 4.889 5.588 6.356 7.237 55 1.534 2.446 3.244 3.943 4.627 5.258 5.985 6.809 7.809 56 1.672 2.675 3.542 4.307 5.010 5.655 6.427 7.316 8.411 57 1.840 2.943 3.906 4.724 5.438 6.122 6.954 7.905 9.050 58 2.036 3.278 4.340 5.213 5.963 6.708 7.601 8.601 9.779 59 2.279 3.669 4.839 5.783 6.606 7.414 8.363 9.405 10.649 60 2.554 4.103 5.393 6.424 7.351 8.211 9.219 10.315 11.646 61 2.872 4.569 5.985 7.130 8.149 9.070 10.148 11.313 12.753 62 3.230 5.055 6.597 7.878 8.967 9.970 11.127 12.393 13.964 63 3.633 5.619 7.278 8.661 9.801 10.867 12.113 13.501 15.223 64 4.089 6.280 8.049 9.482 10.666 11.792 13.130 14.643 16.570 55 4.595 6.981 8.870 10.329 11.587 12.794 14.239 15.942 18.108 66 5.145 7.678 9.670 11.196 12.579 13.911 15.545 17.491 19.963 67 5.758 8.310 10.383 12.081 13.657 15.213 17.113 19.405 22.215 68 6.424 8.893 11.039 12.967 14.844 16.736 19.054 21.763 25.021 69 7.152 9.481 11.684 13.879 16.138 18.508 21.341 24.615 28.397 70 7.939 10.047 12.326 14.801 17.537 20.467 23.980 27.931 32.312 71 8.722 11.043 13.538 16.250 19.212 22.414 26.259 30.577 35.359 72 9.587 12.128 14.864 17.808 21.046 24.550 28.754 33.465 38.706 73 10.515 13.299 16.268 19.480 23.019 26.843 31.420 36.575 42.293 74 11.346 14.320 17.505 20.959 24.762 28.864 33.790 39.327 45.448 75 11.997 15.133 18.500 22.146 26.151 30.483 35.681 41.506 47.956 76 12.535 15.811 19.324 23.123 27.304 31.826 37.231 43.296 50.004 77 13.086 16.500 20.159 24.123 28.480 33.177 38.803 45.108 52.078 78 13.935 17.565 21.460 25.676 30.297 35.284 41.252 47.939 55.322 79 15.185 19.141 23.383 27.960 32.983 38.400 44.879 52.130 60.138 80 10.475 20.764 25.350 30.305 35.737 41.591 48.588 56.419 64.979 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------- ------- ------- ------- ------- 0 0.244 0.250 0.274 0.358 0.455 0.601 0.745 15 1 0.244 0.250 0.274 0.358 0.455 0.601 0.745 16 2 0.247 0.269 0.351 0.446 0.589 0.728 0.874 17 3 0.266 0.346 0.438 0.578 0.714 0.856 0.984 18 4 0.342 0.433 0.569 0.702 0.841 0.966 1.067 19 5 0.428 0.563 0.693 0.828 0.950 1.049 1.095 20 6 0.559 0.687 0.819 0.938 1.034 1.078 0.997 21 7 0.683 0.813 0.930 1.023 1.064 1.005 0.956 22 8 0.813 0.927 1.018 1.057 1.016 0.966 0.930 23 9 0.926 1.015 1.052 1.031 0.978 0.941 0.911 24 10 1.012 1.047 1.046 0.992 0.953 0.922 0.878 25 11 1.022 1.038 0.982 0.940 0.907 0.861 0.825 26 12 1.027 0.968 0.924 0.889 0.841 0.803 0.755 27 13 0.955 0.908 0.870 0.820 0.780 0.730 0.728 28 14 0.901 0.861 0.808 0.766 0.715 0.711 0.704 29 15 0.852 0.804 0.759 0.706 0.699 0.689 0.676 30 16 0.808 0.754 0.705 0.697 0.685 0.669 0.659 31 17 0.764 0.714 0.704 0.690 0.673 0.661 0.636 32 18 0.725 0.674 0.673 0.662 0.655 0.640 0.616 33 19 0.677 0.639 0.642 0.642 0.642 0.628 0.616 34 20 0.638 0.600 0.613 0.614 0.620 0.621 0.622 35 21 0.705 0.672 0.666 0.658 0.653 0.658 0.637 36 22 0.649 0.636 0.628 0.635 0.652 0.659 0.663 37 23 0.605 0.605 0.608 0.638 0.659 0.680 0.701 38 24 0.571 0.592 0.608 6.642 0.685 0.714 0.748 39 25 0.564 0.601 0.626 0.682 0.732 0.770 0.813 40 26 0.590 0.627 0.679 0.732 0.795 0.846 0.894 41 27 0.628 0.681 0.736 0.801 0.872 0.933 0.985 42 28 0.688 0.739 0.801 0.871 0.953 1.023 1.088 43 29 0.767 0.824 0.885 0.960 1.045 1.123 1.198 44 30 0.844 0.906 0.974 1.054 1.145 1.228 1.330 45 31 0.915 0.985 1.063 1.151 1.249 1.352 1.479 46 32 0.990 1.070 1.162 1.257 1.375 1.504 1.652 47 33 1.067 1.161 1.260 1.384 1.532 1.682 1.854 48 34 1.126 1.234 1.360 1.520 1.697 1.876 2.094 49 35 1.217 1.348 1.503 1.688 1.895 2.104 2.364 50 36 1.346 1.500 1.674 1.886 2.125 2.364 2.643 51 37 1.500 1.670 1.864 2.101 2.371 2.645 2.936 52 38 1.673 1.855 2.069 2.326 2.629 2.960 3.257 53 39 1.861 2.060 2.291 2.572 2.921 3.295 3.625 54 40 2.075 2.285 2.532 2.852 3.229 3.667 4.079 55 41 2.300 2.532 2.817 3.157 3.582 4.092 4.614 56 42 2.542 2.817 3.131 3.511 3.993 4.570 5.212 57 43 2.810 3.119 3.487 3.929 4.461 5.103 5.848 58 44 3.082 3.455 3.894 4.400 4.992 5.684 6.557 59 45 3.387 3.837 4.346 4.926 5.578 6.362 7.296 60 46 3.737 4.254 4.840 5.499 6.253 7.111 8.095 61 47 4.146 4.723 5.375 6.147 6.995 7.940 8.991 62 48 4.616 5.233 5.980 6.844 7.795 8.865 10.035 63 49 5.138 5.820 6.632 7.588 8.672 9.893 11.227 64 50 5.723 6.446 7.328 8.395 9.624 11.023 12.531 65 51 6.338 7.129 8.122 9.337 10.772 12.397 14.169 66 52 6.966 7.877 9.027 10.452 12.134 14.064 16.185 67 53 7.598 8.647 9.964 11.572 13.470 15.686 18.135 68 54 8.255 9.486 11.024 12.871 15.057 17.628 20.441 69 55 8.950 10.359 12.113 14.198 16.644 19.552 22.656 70 56 9.689 11.304 13.302 15.648 18.399 21.697 25.300 71 57 10.498 12.309 14.528 17.128 20.178 23.825 27.960 72 58 11.395 13.397 15.851 18.748 22.146 26.226 30.806 73 59 12.391 14.616 17.362 20.651 24.568 29.217 34.441 74 60 13.497 15.918 18.921 22.597 26.991 32.198 37.949 75 61 14.723 17.394 20.753 24.915 29.958 35.806 42.415 76 62 16.085 19.000 22.679 27.312 32.862 39.344 46.761 77 63 17.542 20.775 24.907 30.083 36.360 43.676 52.244 78 64 19.109 22.718 27.299 33.121 40.186 48.411 58.206 79 65 20.920 24.887 30.000 36.502 44.407 53.599 64.541 80 66 23.040 27.444 33.121 40.318 49.059 59.285 71.152 81 67 25.638 30.524 36.758 44.640 54.224 65.512 78.405 82 68 28.838 34.245 41.031 49.557 59.939 72.285 86.266 83 69 32.657 38.607 45.940 55.067 66.183 79.627 95.256 84 70 37.050 43.609 51.466 61.143 72.982 87.553 105.249 85 71 40.550 47.837 56.549 67.300 80.451 96.648 114.939 86 72 44.376 52.575 62.413 74.551 89.424 107.433 126.935 87 73 48.460 57.685 68.751 82.420 99.164 118.013 139.875 88 74 52.066 62.097 74.144 89.025 107.015 126.566 150.356 89 75 54.914 65.632 78.501 94.398 112.688 133.563 159.010 90 76 57.242 68.384 81.762 98.161 116.612 138.295 164.695 91 77 59.590 71.166 84.948 101.942 120.586 143.062 170.418 92 78 63.280 75.449 90.023 107.675 126.957 150.723 179.492 93 79 68.677 81.849 97.649 115.650 136.521 162.104 193.253 94 80 74.173 88.390 105.398 123.772 146.137 173.714 207.271 95 227.999 96 250.798 97 275.878 98 303.466 99
EXPECTED MORTALITY ASSUMPTIONS (l000qx) DOMINION LIFE 881 MEDICAL UNPROJECTED MALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 18 0.739 0.775 0.793 0.853 0.880 0.870 0.851 0.838 0.824 19 0.707 0.750 0.808 0.809 0.822 0.810 0.797 0.782 0.783 20 0.659 0.745 0.763 0.759 0.762 0.738 0.739 0.731 0.738 21 0.616 0.690 0.725 0.728 0.736 0.724 0.758 0.776 0.820 22 0.546 0.619 0.661 0.663 0.668 0.679 0.696 0.720 0.774 23 0.492 0.553 0.599 0.599 0.617 0.629 0.651 0.686 0.733 24 0.434 0.490 0.532 0.551 0.569 0.593 0.617 0.653 0.703 21 0.394 0.441 0.492 0.512 0.548 0.581 0.608 0.648 0.703 26 0.372 0.421 0.467 0.498 0.549 0.593 0.624 0.671 0.735 27 0.371 0.410 0.459 0.506 0.561 0.616 0.663 0.719 0.792 28 0.379 0.421 0.473 0.523 0.583 0.654 0.709 0.782 0.869 29 0.402 0.447 0.497 0.552 0.628 0.709 0.782 0.869 0.974 30 0.429 0.478 0.532 0.588 0.672 0.771 0.851 0.961 1.088 31 0.446 0.505 0.559 0.629 0.715 0.828 0.928 1.045 1.195 32 0.461 0.526 0.593 0.664 0.762 0.890 1.010 1.142 1.306 33 0.463 0.540 0.614 0.702 0.820 0.962 1.097 1.243 1.418 34 0.453 0.541 0.630 0.734 0.869 1.024 1.170 1.331 1.513 35 0.458 0.563 0.671 0.798 0.943 1.121 1.280 1.459 1.660 36 0.471 0.601 0.734 0.878 1.052 1.248 1.434 1.628 1.844 37 0.503 0.652 0.807 0.978 1.175 1.396 1.596 1.818 2.059 38 0.548 0.720 0.908 1.099 1.318 1.558 1.780 2.033 2.288 39 0.603 0.813 1.022 1.233 1.469 1.742 1.988 2.255 2.544 40 0.672 0.915 1.149 1.386 1.640 1.937 2.204 2.498 2.815 41 0.742 1.017 1.290 1.548 1.829 2.145 2.427 2.750 3.109 42 0.814 1.127 1.427 1.714 2.019 2.362 2.671 3.024 3.411 43 0.886 1.232 1.567 1.875 2.210 2.587 2.919 3.293 3.695 44 0.959 1.341 1.703 2.044 2.402 2.814 3.168 3.557 3.975 45 1.041 1.451 1.846 2.226 2.616 3.057 3.433 3.838 4.281 46 1.119 1.562 1.996 2.423 2.857 3.328 3.726 4.163 4.644 47 1.198 1.693 2.173 2.640 3.133 3.641 4.065 4.539 5.100 48 1.277 1.837 2.372 2.885 3.449 4.019 4.481 4.996 5.631 49 1.364 1.991 2.585 3.158 3.797 4.441 4.963 5.527 6.202 50 1.448 2.161 2.815 3.450 4.156 4.884 5.474 6.092 6.787 51 1.536 2.334 3.063 3.752 4.517 5.331 5.981 6.657 7.356 52 1.629 2.520 3.316 4.056 4.868 5.747 6.456 7.162 7.906 53 1.728 2.705 3.565 4.346 5.203 6.118 6.845 7.603 8.440 54 1.839 2.893 3.812 4 632 5.526 6.438 7.192 8.017 8.948 55 1.954 3.098 4.081 4.938 5.838 6.767 7.549 8.418 9.465 56 2.092 3.325 4.381 5.265 6.178 7.132 7.946 8.867 9.984 57 2.260 3.597 4.717 5.643 6.571 7.570 8.429 9.383 10.521 58 2.460 3.912 5.123 6.104 7.065 8.130 9.022 9.999 11.128 59 2.688 4.278 5.597 6.638 7.671 8.801 9.722 10.703 11.857 60 2.944 4.689 6.115 7.228 8.360 9.546 10.491 11.485 12.675 51 3.244 5.119 6.653 7.856 9.078 10.322 11.299 12.313 13.565 62 3.577 5.552 7.182 8.502 9.778 11.100 12.110 13.182 14.509 63 3.943 6.044 7.760 9.150 10.456 11.827 12.884 14.028 15.440 64 4.346 6.616 8.400 9.801 11.123 12.543 13.642 14.852 16.396 65 4.784 7.200 9.057 10.435 11.809 13.293 14.442 15.774 17.471 66 5.244 7.747 9.652 11.055 12.523 14.109 15.381 16.876 18.766 67 5.741 8.196 10.129 11.652 13.272 15.052 16.511 18.242 20.473 63 6.261 8.572 10.519 12.209 14.074 16.147 17.912 20.056 22.592 69 6.812 8.927 10.868 12.748 14.919 17.399 19.667 22.225 25.113 70 7.386 9.234 11.185 13.256 15.796 18.861 21.651 24.701 27.976 71 7.922 9.902 11.980 14.181 16.965 20.238 23.223 26.473 29.958 72 8.495 10.604 12.815 15.234 18.208 21.711 24.895 28.353 32.078 73 9.085 11.330 13.749 16.327 19.506 23.241 26.621 30.312 34.262 74 9.551 11.959 14.495 17.206 20.542 24.455 28.003 31.859 35.978 75 9.901 12.382 15.005 17.799 21.229 25.263 28.906 32.857 37.075 76 10.136 12.671 15.344 18.186 21.682 25.782 29.473 33.473 37.727 77 10.363 12.945 15.664 18.558 22.107 26.264 29.999 34.033 38.326 78 10.804 13.485 16.311 19.309 22.981 27.279 31.125 35.280 39.688 79 11.521 14.375 17.372 20.547 24.433 28.972 33.029 37.399 42.031 80 12.227 15.243 18.404 21.749 25.835 30.609 34.857 39.431 44.609 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 [x]+15 ------ ------ ------ ------ ------- ------- ------- 18 0.817 0.811 0.869 0.931 0.988 1.025 1.054 33 19 0.783 0.792 0.867 0.930 0.989 1.032 1.078 34 20 0.760 0.778 0.852 0.908 0.979 1.045 1.095 35 21 0.878 0.898 0.947 0.998 1.055 1.113 1.145 36 22 0.834 0.868 0.916 0.986 1.058 1.137 1.200 37 23 0.794 0.847 0.907 0.996 1.092 1.184 1.290 38 24 0.769 0.848 0.911 1.022 1.145 1.263 1.391 39 21 0.776 0.865 0.959 1.095 1.243 1.375 1.533 40 26 0.817 0.921 1.048 1.195 1.364 1.534 1.706 41 27 0.888 1.010 1.153 1.320 1.517 1.712 1.896 42 28 0.981 1.113 1.269 1.456 1.679 1.892 2.110 43 29 1.110 1.254 1.422 1.626 1.857 2.093 2.347 44 30 1.235 1.398 1.584 1.799 2.049 2.312 2.621 45 31 1.357 1.539 1.744 1.979 2.259 2.560 2.901 46 32 1.486 1.687 1.919 2.184 2.501 2.833 3.227 47 33 1.616 1.842 2.103 2.417 2.772 3.156 3.606 48 34 1.718 1.979 2.282 2.643 3.060 3.505 4.057 49 35 1.876 2.174 2.511 2.923 3.402 3.917 4.553 50 36 2.085 2.408 2.785 3.254 3.800 4.374 5.051 51 37 2.313 2.670 3.088 3.609 4.214 4.856 5.535 52 38 2.570 2.953 3.416 3.972 4.636 5.360 6.070 53 39 2.847 3.267 3.758 4.359 5.081 5.900 6.669 54 40 3.161 3.602 4.123 4.768 5.554 6.481 7.378 55 41 3.483 3.960 4.524 5.218 6.082 7.112 8.199 56 42 3.820 4.346 4.972 5.728 6.666 7.803 9.094 57 43 4.166 4.759 5.466 6.301 7.316 8.552 10.032 58 44 4.517 5.202 6.001 6.933 8.038 9.366 10.981 59 45 4.900 5.680 6.579 7.620 8.830 10.235 11.940 60 46 5.316 6.188 7.193 8.364 9.664 11.180 12.984 61 47 5.794 6.743 7.855 9.127 10.564 12.234 14.138 62 48 6.333 7.346 8.531 9.931 11.538 13.390 15.468 63 49 6.930 7.978 9.247 10.792 12.584 14.648 16.947 64 50 7.537 8.635 10.013 11.705 13.690 15.984 18.526 65 51 8.157 9.359 10.879 12.761 15.005 17.607 20.506 66 52 8.786 10.137 11.853 13.989 16.555 19.552 22.917 67 53 9.395 10.908 12.812 15.168 17.990 21.336 25.102 68 54 10.005 11.719 13.884 16.515 19.676 23.438 27.651 69 55 10.623 12.535 14.934 17.825 21.259 25.406 29.937 70 56 11.264 13.389 16.045 19.203 22.96_ 27.539 32.633 71 57 11.947 14.265 17.130 20.542 24.605 29.519 35.183 72 58 12.688 15.176 18.266 21.964 26.361 31.701 37.799 73 59 13.486 16.181 19.543 23.617 28.530 34.437 41.176 74 60 14.356 17.215 20.789 25.211 30.563 36.977 44.476 75 51 15.297 18.362 22.246 27.105 33.052 40.311 48.703 76 62 16.314 19.568 23.705 28.950 35.543 43.397 52.591 77 63 17.358 20.864 25.366 31.260 38.529 47.187 57.524 78 64 18.437 22.229 27.254 33.719 41.709 51.204 62.716 79 65 19.667 23.872 29.345 36.399 45.122 55.476 63.024 80 66 21.233 25.792 31.732 39.360 48.781 60.022 73.305 81 67 23.149 28.097 34.486 42.645 52.740 64.834 78.934 82 63 25.504 30.860 37.660 46.309 56.987 69.905 84.816 83 69 28.274 34.045 41.246 50.300 61.488 75.204 91.399 84 70 31.391 37.618 45.168 54.577 66.218 80.698 98.506 85 71 33.606 40.336 48.496 58.667 71.238 86.892 105.141 86 72 35.949 43.320 52.273 63.423 77.236 94.428 113.368 87 73 38.363 46.418 56.194 68.394 83.491 101.823 122.826 88 74 40.253 48.766 59.113 72.014 87.985 107.382 129.779 89 75 41.432 50.275 61.010 74.390 91.649 111.407 134.875 90 76 42.127 51.063 61.906 75.985 93.542 113.401 137.264 91 77 42.750 51.769 63.178 77.487 95.351 115.282 139.521 92 78 44.227 53.913 65.743 80.599 99.039 119.273 145.527 93 79 47.148 57.430 70.002 85.766 104.520 126.961 155.098 94 80 50.002 60.880 74.161 90.811 110.708 134.653 164.658 95 181.124 96 199.237 97 219.160 98 241.076 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 MEDICAL UNPROJECTED MALE SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 18 0.821 0.911 0.985 1.643 1.705 1.678 1.641 1.616 1.588 19 0.785 0.882 1.555 1.558 1.592 1.562 1.537 1.508 1.509 20 0.732 1.359 1.469 1.462 1.476 1.423 1.425 1.409 1.424 21 1.060 1.257 1.396 1.402 1.426 1.396 1.462 1.497 1.581 22 0.941 1.128 1.272 1.275 1.294 1.309 1.342 1.389 1.493 23 0.847 1.009 1.153 1.153 1.196 1.212 1.256 1.322 1.412 24 0.747 0.894 1.023 1.061 1.103 1.144 1.190 1.260 1.355 25 0.679 0.803 0.946 0.985 1.062 1.120 1.172 1.248 1.355 26 0.640 0.768 0.898 0.958 1.064 1.143 1.204 1.294 1.417 27 0.639 0.747 0.884 0.973 1.087 1.188 1.277 1.385 1.527 28 0.653 0.768 0.911 1.007 1.130 1.261 1.367 1.507 1.675 29 0.693 0.816 0.957 1.063 1.216 1.367 1.507 1.675 1.877 30 0.738 0.871 1.024 1.132 1.302 1.487 1.640 1.852 2.097 31 0.768 0.922 1.077 1.211 1.386 1.596 1.790 2.015 2.303 32 0.794 0.958 1.141 1.277 1.476 1.715 1.947 2.201 2.518 33 0.797 0.984 1.183 1.351 1.589 1.854 2.114 2.396 2.734 34 0.779 0.987 1.214 1.413 1.683 1.974 2.255 2.566 2.918 35 0.790 1.027 1.291 1.536 1.826 2.162 2.467 2.813 3.200 36 0.812 1.097 1.413 1.689 2.038 2.407 2.764 3.139 3.555 37 0.867 1.190 1.554 1.883 2.276 2.691 3.078 3.505 3.970 38 0.943 1.312 1.747 2.115 2.553 3.004 3.432 3.920 4.410 39 1.038 1.483 1.966 2.373 2.846 3.358 3.833 4.348 4.904 40 1.157 1.668 2.211 2.669 3.178 3.734 4.248 4.816 5.427 41 1.279 1.855 2.483 2.980 3.544 4.136 4.679 5.301 5.994 42 1.402 2.056 2.746 3.300 3.911 4.554 5.150 5.829 6.576 43 1.526 2.247 3.017 3.610 4.281 4.987 5.628 6.348 7.124 44 1.652 2.445 3.278 3.934 4.654 5.426 6.108 6.858 7.664 45 1.793 2.646 3.553 4.284 5.069 5.893 6.618 7.398 8.254 46 1.927 2.849 3.843 4.663 5.536 6.415 7.183 8.026 8.954 47 2.063 3.086 4.183 5.082 6.070 7.019 7.837 8.751 9.833 48 2.200 3.350 4.565 5.554 6.683 7.748 8.638 9.631 10.856 49 2.349 3.630 4.977 6.079 7.357 8.562 9.568 10.655 11.957 50 2.494 3.940 5.419 6.640 8.053 9.417 10.554 11.744 13.085 51 2.646 4.257 5.896 7.222 8.751 10.277 11.531 12.834 14.181 52 2.806 4.596 6.382 7.808 9.432 11.079 12.446 13.807 15.241 53 2.976 4.933 6.862 8.365 10.080 11.795 13.197 14.658 16.271 54 3.167 5.276 7.337 8.916 10.707 12.412 13.864 15.455 17.251 55 3.364 5.649 7.855 9.504 11.312 13.046 14.553 16.229 18.247 56 3.603 6.064 8.434 10.134 11.970 13.750 15.319 17.095 19.247 57 3.893 6.559 9.080 10.862 12.732 14.593 16.249 18.088 20.283 58 4.236 7.133 9.861 11.748 13.688 15.673 17.393 19.276 21.453 59 4.629 7.802 10.774 12.776 14.863 16.966 18.743 20.634 22.859 60 5.070 8.550 11.771 13.912 16.197 18.403 20.225 22.141 24.436 61 5.587 9.335 12.806 15.121 17.588 19.899 21.783 23.737 26.152 62 6.160 10.125 13.824 16.365 18.944 21.400 23.346 25.413 27.971 63 6.791 11.021 14.936 17.611 20.259 22.802 24.838 27.043 29.766 64 7.485 12.064 16.170 18.865 21.550 24.182 26.301 28.632 31.609 65 8.239 13.129 17.434 20.086 22.880 25.628 27.841 30.410 33.682 66 9.031 14.128 18.578 21.279 24.263 27.200 29.652 32.534 36.179 67 9.888 14.946 19.497 22.429 25.715 29.019 31.832 35.169 39.468 68 10.783 15.631 20.246 23.499 27.268 31.129 34.532 38.665 43.554 69 11.733 16.278 20.920 24.538 28.905 33.543 37.915 42.846 48.415 70 12.721 16.839 21.530 25.516 30.606 36.362 41.741 47.621 53.933 71 13.644 18.056 23.059 27.296 32.869 39.015 44.770 51.037 57.754 72 14.630 19.336 24.666 29.323 35.278 41.856 47.994 54.661 61.841 73 15.647 20.660 26.465 31.427 37.793 44.805 51.321 58.437 66.053 74 16.450 21.808 27.900 33.119 39.801 47.146 53.987 61.420 69.360 75 17.051 22.579 28.881 34.260 41.132 48.703 55.726 63.345 71.475 76 17.456 23.106 29.534 35.005 42.009 49.704 56.820 64.531 72.733 77 17.848 23.606 30.150 35.722 42.832 50.634 57.834 65.612 73.888 78 18.608 24.591 31.396 37.166 44.525 52.589 60.004 68.015 76.513 79 19.843 26.213 33.439 39.549 47.339 55.854 63.675 72.099 81.030 80 21.058 27.796 35.426 41.863 50.056 59.009 67.199 76.018 86.000 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 [x]+15 ------ ------- ------- ------- ------- ------- ------- 18 1.575 1.507 1.556 1.607 1.645 1.646 1.632 33 19 1.510 1.471 1.553 1.605 1.646 1.657 1.669 34 20 1.466 1.445 1.527 1.568 1.630 1.677 1.694 35 21 1.693 1.669 1.696 1.724 1.756 1.786 1.773 36 22 1.607 1.613 1.641 1.702 1.762 1.825 1.858 37 23 1.531 1.574 1.624 1.719 1.819 1.901 1.997 38 24 1.482 1.576 1.632 1.765 1.906 2.027 2.153 39 25 1.496 1.607 1.717 1.891 2.069 2.207 2.373 40 26 1.575 1.712 1.876 2.063 2.271 2.462 2.641 41 27 1.711 1.876 2.065 2.280 2.526 2.748 2.935 42 28 1.891 2.067 2.273 2.515 2.795 3.037 3.265 43 29 2.139 2.329 2.547 2.807 3.091 3.360 3.633 44 30 2.380 2.598 2.838 3.106 3.411 3.711 4.056 45 31 2.615 2.859 3.123 3.418 3.761 4.109 4.490 46 32 2.865 3.134 3.438 3.771 4.163 4.547 4.994 47 33 3.115 3.423 3.767 4.174 4.615 5.066 5.582 48 34 3.311 3.677 4.087 4.564 5.093 5.627 6.280 49 35 3.616 4.040 4.497 5.048 5.664 6.287 7.047 50 36 4.020 4.474 4.988 5.618 6.327 7.022 7.817 51 37 4.460 4.960 5.531 6.232 7.015 7.794 8.567 52 38 4.954 5.487 6.118 6.859 7.718 8.604 9.396 53 39 5.489 6.071 6.731 7.526 8.459 9.471 10.323 54 40 6.094 6.693 7.384 8.232 9.247 10.403 11.420 55 41 6.715 7.358 8.102 9.009 10.124 11.415 12.691 56 42 7.364 8.075 8.905 9.890 11.097 12.525 14.075 57 43 8.031 8.842 9.789 10.880 12.180 13.727 15.528 58 44 8.709 9.666 10.747 11.971 13.381 15.034 16.996 59 45 9.446 10.555 11.784 13.158 14.700 16.429 18.482 60 46 10.249 11.498 12.883 14.441 16.087 17.945 20.097 61 47 11.170 12.530 14.068 15.760 17.587 19.638 21.883 62 48 12.208 13.650 15.279 17.147 19.208 21.493 23.941 63 49 13.360 14.823 16.561 18.634 20.949 23.512 26.231 64 50 14.530 16.044 17.934 20.210 22.790 25.657 28.675 65 51 15.725 17.390 19.485 22.033 24.980 28.262 31.739 66 52 16.938 18.835 21.229 24.153 27.560 31.384 35.472 67 53 18.112 20.268 22.947 26.190 29.949 34.249 38.853 68 54 19.288 21.775 24.868 28.517 32.75_ 37.622 42.798 69 55 20.479 23.291 26.747 30.777 35.3__ 40.781 46.336 70 56 21.715 24.878 28.738 33.156 38.2__ 44.205 50.510 71 57 23.031 26.505 30.680 35.469 40.962 47.384 54.456 72 58 24.461 28.198 32.715 37.925 43.885 50.886 58.506 73 59 26.000 30.066 35.002 40.779 47.495 55.278 63.732 74 60 27.676 31.986 37.234 43.530 50.881 59.355 68.840 75 61 29.491 34.118 39.843 46.801 55.023 64.707 75.384 76 62 31.450 36.358 42.457 49.987 59.170 69.661 81.401 77 63 33.463 38.766 45.431 53.975 64.141 75.743 89.037 78 64 35.544 41.302 48.813 58.222 69.436 82.191 97.072 79 65 37.915 44.355 52.558 62.848 75.118 89.049 105.289 80 66 40.935 47.922 56.834 67.961 81.208 96.346 113.462 81 67 44.627 52.206 61.766 73.633 87.800 104.071 122.175 82 68 49.168 57.339 67.451 79.960 94.870 112.211 131.279 83 69 54.508 63.258 73.873 86.851 102.362 120.716 141.469 84 70 60.517 69.896 80.897 94.235 110.237 129.536 152.470 85 71 64.788 74.947 86.858 101.298 118.594 139.477 163.086 86 72 69.305 80.491 93.623 109.509 128.580 151.575 176.249 87 73 73.958 86.248 100.646 118.093 138.993 163.059 191.381 88 74 77.602 90.609 105.874 124.343 146.473 172.284 202.506 89 75 79.875 93.414 109.272 128.446 152.563 178.961 210.659 90 76 81.214 94.879 110.876 131.200 155.399 182.270 214.483 91 77 82.416 96.190 113.154 133.793 158.109 185.392 218.093 92 78 85.263 100.173 117.749 139.167 163.753 192.014 227.703 93 79 90.895 106.708 125.377 148.089 173.186 204.771 243.017 94 80 96.396 113.119 132.826 156.366 183.835 217.534 258.313 95 284.144 96 312.559 97 343.815 98 378.196 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 MEDICAL UNPROJECTED FEMALE PREFERRED NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ----- ----- ----- ------ ------ ------ ------ ------ ------ 0 0.402 0.254 0.211 0.172 0.161 0.147 0.136 0.122 0.112 1 0.402 0.254 0.211 0.172 0.161 0.147 0.136 0.122 0.112 2 0.254 0.197 0.172 0.156 0.141 0.136 0.122 0.112 0.108 3 0.197 0.160 0.156 0.136 0.131 0.122 0.112 0.108 0.108 4 0.160 0.145 0.136 0.126 0.117 0.112 0.108 0.108 0.115 5 0.145 0.127 0.126 0.113 0.107 0.108 0.108 0.115 0.147 6 0.127 0.118 0.113 0.104 0.104 0.108 0.115 0.147 0.182 7 0.118 0.106 0.104 0.100 0.104 0.115 0.147 0.182 0.234 8 0.106 0.097 0.100 0.100 0.111 0.147 0.182 0.234 0.283 9 0.097 0.094 0.100 0.107 0.141 0.182 0.234 0.283 0.332 10 0.094 0.094 0.107 0.136 0.174 0.234 0.283 0.332 0.374 11 0.094 0.100 0.136 0.168 0.224 0.283 0.332 0.374 0.405 12 0.100 0.127 0.168 0.217 0.271 0.332 0.374 0.405 0.416 13 0.127 0.157 0.217 0.262 0.318 0.374 0.405 0.416 0.309 14 0.157 0.203 0.262 0.308 0.358 0.405 0.416 0.309 0.296 15 0.200 0.242 0.301 0.337 0.375 0.409 0.309 0.296 0.287 16 0.242 0.281 0.324 0.347 0.375 0.303 0.296 0.287 0.278 17 0.284 0.305 0.340 0.352 0.287 0.292 0.285 0.278 0.272 18 0.290 0.308 0.342 0.268 0.280 0.279 0.272 0.267 0.263 19 0.283 0.304 0.255 0.255 0.262 0.260 0.256 0.251 0.249 20 0.269 0.221 0.242 0.240 0.244 0.239 0.240 0.235 0.237 21 0.194 0.214 0.237 0.234 0.236 0.232 0.237 0.238 0.244 22 0.185 0.206 0.232 0.229 0.230 0.231 0.233 0.234 0.242 23 0.181 0.200 0.228 0.225 0.229 0.232 0.233 0.237 0.246 24 0.174 0.193 0.222 0.224 0.230 0.236 0.236 0.243 0.255 25 0.169 0.186 0.217 0.222 0.233 0.241 0.245 0.255 0.271 26 0.161 0.178 0.207 0.214 0.231 0.245 0.252 0.266 0.285 27 0.161 0.175 0.204 0.216 0.236 0.256 0.270 0.287 0.313 28 0.164 0.177 0.205 0.220 0.243 0.270 0.287 0.313 0.345 29 0.169 0.181 0.209 0.227 0.256 0.287 0.313 0.345 0.382 30 0.175 0.190 0.221 0.240 0.273 0.313 0.342 0.382 0.427 31 0.179 0.198 0.231 0.254 0.290 0.337 0.373 0.415 0.469 32 0.180 0.201 0.239 0.264 0.305 0.356 0.399 0.446 0.504 33 0.176 0.202 0.243 0.275 0.322 0.378 0.426 0.477 0.537 34 0.171 0.202 0.250 0.287 0.340 0.402 0.453 0.509 0.573 35 0.171 0.208 0.262 0.307 0.365 0.433 0.488 0.551 0.621 36 0.171 0.215 0.278 0.329 0.394 0.468 0.532 0.598 0.671 37 0.177 0.226 0.297 0.355 0.427 0.508 0.576 0.650 0.730 38 0.190 0.247 0.329 0.394 0.474 0.562 0.636 0.721 0.812 39 0.207 0.275 0.366 0.437 0.523 0.622 0.705 0.800 0.905 40 0.223 0.300 0.400 0.478 0.568 0.674 0.767 0.872 0.984 41 0.239 0.324 0.436 0.519 0.617 0.733 0.831 0.943 1.068 42 0.259 0.356 0.478 0.570 0.681 0.808 0.916 1.039 1.178 43 0.274 0.378 0.511 0.612 0.733 0.870 0.983 1.115 1.262 44 0.288 0.400 0.545 0.655 0.782 0.929 1.051 1.190 1.347 45 0.304 0.424 0.579 0.700 0.836 0.993 1.125 1.274 1.441 46 0.320 0.448 0.615 0.747 0.898 1.068 1.211 1.373 1.554 47 0.336 0.476 0.656 0.801 0.972 1.159 1.312 1.487 1.702 48 0.351 0.506 0.704 0.864 1.061 1.269 1.436 1.631 1.876 49 0.368 0.539 0.757 0.937 1.158 1.391 1.585 1.800 2.063 50 0.383 0.577 0.816 1.014 1.258 1.524 1.742 1.980 2.251 51 0.410 0.632 0.900 1.120 1.393 1.697 1.944 2.208 2.498 52 0.441 0.691 0.989 1.233 1.531 1.868 2.141 2.432 2.748 53 0.474 0.753 1.084 1.348 1.671 2.029 2.324 2.642 2.992 54 0.512 0.821 1.182 1.467 1.811 2.186 2.499 2.842 3.235 55 0.554 0.897 1.292 1.596 1.959 2.352 2.676 3.043 3.489 56 0.606 0.983 1.416 1.742 2.122 2.528 2.873 3.268 3.755 57 0.668 1.085 1.561 1.911 2.302 2.737 3.107 3.529 4.042 58 0.742 1.208 1.735 2.108 2.524 2.997 3.393 3.841 4.368 59 0.830 1.352 1.934 2.338 2.794 3.310 3.735 4.202 4.755 60 0.931 1.512 2.154 2.596 3.107 3.667 4.118 4.606 5.200 61 1.046 1.683 2.390 2.879 3.446 4.052 4.532 5.051 5.693 62 1.176 1.861 2.632 3.183 3.793 4.452 4.968 5.532 6.225 63 1.322 2.067 2.905 3.500 4.145 4.852 5.407 6.019 6.777 64 1.487 2.312 3.213 3.830 4.509 5.264 5.854 6.519 7.358 65 1.671 2.570 3.540 4.171 4.898 5.704 6.339 7.079 8.018 66 1.872 2.826 3.858 4.521 5.310 6.193 6.903 7.744 8.804 67 2.094 3.058 4.142 4.872 5.758 6.755 7.577 8.558 9.764 68 2.336 3.272 4.398 5.222 6.242 7.410 8.403 9.565 10.962 69 2.600 3.484 4.649 5.575 6.766 8.163 9.380 10.784 12.392 70 2.883 3.686 4.892 5.928 7.324 8.996 10.506 12.189 14.048 71 3.163 4.041 5.357 6.483 7.996 9.820 11.459 13.294 15.319 72 3.467 4.426 5.859 7.080 8.732 10.713 12.501 14.498 16.704 73 3.792 4.834 6.390 7.720 9.513 11.670 13.612 15.785 18.175 74 4.076 5.188 6.854 8.274 10.195 12.505 14.582 16.900 19.455 75 4.295 5.464 7.215 8.710 10.729 13.155 15.334 17.768 20.452 76 4.473 5.687 7.508 9.062 11.158 13.677 15.938 18.465 21.247 77 4.651 5.912 7.805 9.417 11.590 14.203 16.549 19.167 22.050 78 4.934 6.272 8.277 9.981 12.281 15.048 17.529 20.298 23.349 79 5.358 6.808 8.980 10.827 13.321 16.317 19.002 22.002 25.306 80 5.791 7.354 9.698 11.692 14.380 17.610 20.507 23.741 27.290 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------ ------- 0 0.108 0.108 0.115 0.147 0.182 0.234 0.283 15 1 0.108 0.108 0.115 0.147 0.182 0.234 0.283 16 2 0.108 0.115 0.147 0.182 0.234 0.283 0.332 17 3 0.115 0.147 0.182 0.234 0.283 0.332 0.374 18 4 0.147 0.182 0.234 0.283 0.332 0.374 0.405 19 5 0.182 0.234 0.283 0.332 0.374 0.405 0.416 20 6 0.234 0.283 0.332 0.374 0.405 0.416 0.326 21 7 0.283 0.332 0.374 0.405 0.416 0.323 0.313 22 8 0.332 0.374 0.405 0.416 0.320 0.310 0.303 23 9 0.374 0.405 0.416 0.317 0.307 0.300 0.296 24 10 0.405 0.416 0.314 0.304 0.297 0.293 0.287 25 11 0.416 0.311 0.302 0.295 0.291 0.284 0.280 26 12 0.309 0.299 0.292 0.288 0.282 0.278 0.268 27 13 0.296 0.289 0.286 0.279 0.275 0.266 0.276 28 14 0.287 0.283 0.277 0.273 0.264 0.274 0.281 29 15 0.278 0.274 0.271 0.261 0.272 0.279 0.287 30 16 0.272 0.266 0.259 0.269 0.276 0.285 0.293 31 17 0.265 0.258 0.268 0.275 0.283 0.291 0.293 32 18 0.259 0.253 0.264 0.275 0.285 0.294 0.296 33 19 0.249 0.245 0.260 0.273 0.285 0.291 0.304 34 20 0.241 0.239 0.256 0.269 0.287 0.303 0.318 35 21 0.252 0.255 0.269 0.285 0.304 0.327 0.345 36 22 0.253 0.262 0.276 0.298 0.324 0.354 0.381 37 23 0.260 0.274 0.290 0.318 0.350 0.380 0.416 38 24 0.274 0.296 0.315 0.350 0.389 0.425 0.466 39 25 0.294 0.322 0.351 0.394 0.439 0.479 0.526 40 26 0.314 0.347 0.386 0.430 0.482 0.530 0.577 41 27 0.348 0.385 0.428 0.478 0.535 0.588 0.635 42 28 0.385 0.424 0.471 0.525 0.587 0.644 0.700 43 29 0.430 0.473 0.521 0.578 0.643 0.706 0.772 44 30 0.480 0.527 0.578 0.638 0.706 0.775 0.855 45 31 0.526 0.577 0.635 0.699 0.775 0.853 0.948 46 32 0.566 0.622 0.685 0.756 0.839 0.929 1.036 47 33 0.606 0.670 0.742 0.827 0.929 1.036 1.160 48 34 0.644 0.719 0.803 0.909 1.030 1.155 1.308 49 35 0.696 0.779 0.877 0.996 1.132 1.271 1.446 50 36 0.753 0.848 0.956 1.090 1.242 1.398 1.585 51 37 0.821 0.924 1.042 1.188 1.366 1.534 1.724 52 38 0.914 1.021 1.147 1.301 1.489 1.686 1.878 53 39 1.015 1.131 1.269 1.439 1.649 1.882 2.094 54 40 1.107 1.230 1.376 1.563 1.790 2.055 2.311 55 41 1.202 1.341 1.509 1.717 1.976 2.290 2.619 56 42 1.330 1.491 1.682 1.914 2.207 2.563 2.967 57 43 1.441 1.628 1.852 2.123 2.454 2.858 3.339 58 44 1.553 1.776 2.044 2.358 2.733 3.183 3.742 59 45 1.675 1.943 2.254 2.619 3.042 3.548 4.165 60 46 1.813 2.121 2.481 2.901 3.384 3.953 4.620 61 47 1.973 2.310 2.705 3.172 3.705 4.317 5.019 62 48 2.154 2.511 2.942 3.455 4.037 4.712 5.474 63 49 2.352 2.730 3.191 3.744 4.389 5.136 5.980 64 50 2.559 2.967 3.471 4.093 4.830 5.696 6.678 65 51 2.835 3.272 3.826 4.515 5.347 6.328 7.438 66 52 3.114 3.596 4.207 4.974 5.906 7.004 8.244 67 53 3.397 3.935 4.617 5.468 6.494 7.713 9.101 68 54 3.688 4.292 5.060 5.995 7.116 8.460 9.967 69 55 3.995 4.677 5.534 6.562 7.789 9.271 10.880 70 56 4.327 5.092 6.044 7.178 8.527 10.156 11.967 71 57 4.690 5.543 6.600 7.855 9.340 11.136 13.191 72 58 5.089 6.031 7.200 8.588 10.237 12.227 14.492 73 59 5.532 6.562 7.837 9.378 11.220 13.426 15.921 74 60 6.025 7.138 8.529 10.236 12.292 14.738 17.482 75 61 6.564 7.799 9.357 11.302 13.671 16.461 19.664 76 62 7.161 8.531 10.275 12.483 15.174 18.372 22.084 77 63 7.790 9.349 11.356 13.915 17.079 20.836 25.336 78 64 8.461 10.196 12.437 15.332 18.903 23.162 28.354 79 65 9.227 11.189 13.760 17.080 21.215 26.166 32.206 80 66 10.127 12.315 15.171 18.865 23.470 29.004 35.605 81 67 11.232 13.711 16.942 21.111 26.317 32.631 40.108 82 68 12.585 15.344 18.886 23.427 29.098 36.060 44.241 83 69 14.198 17.324 21.264 26.276 32.566 40.409 49.859 84 70 16.052 19.589 23.942 29.450 36.384 45.163 56.170 85 71 17.500 21.501 26.444 32.713 40.614 50.642 61.521 86 72 19.070 23.680 29.401 36.664 45.852 57.213 68.357 87 73 20.745 26.038 32.615 40.991 51.611 62.974 75.896 88 74 22.206 28.057 35.348 44.652 56.394 67.777 82.180 89 75 23.334 29.687 37.618 47.746 59.517 71.937 87.684 90 76 24.237 30.832 39.064 49.553 61.239 74.126 90.451 91 77 25.150 31.991 40.507 51.373 62.984 76.332 93.252 92 78 26.628 33.850 42.853 54.348 65.826 79.943 97.798 93 79 28.843 36.658 46.408 58.190 70.136 85.385 104.698 94 80 31.098 39.524 50.025 61.656 74.501 90.923 111.729 95 122.902 96 135.192 97 148.712 98 163.583 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 MEDICAL UNPROJECTED FEMALE NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 0 0.543 0.339 0.259 0.209 0.187 0.161 0.150 0.134 0.123 1 0.543 0.339 0.259 0.209 0.187 0.161 0.150 0.134 0.123 2 0.343 0.262 0.211 0.189 0.163 0.150 0.134 0.123 0.119 3 0.265 0.214 0.191 0.165 0.152 0.134 0.123 0.119 0.119 4 0.216 0.194 0.167 0.154 0.136 0.123 0.119 0.119 0.127 5 0.196 0.169 0.155 0.138 0.124 0.119 0.119 0.127 0.161 6 0.171 0.157 0.139 0.126 0.121 0.119 0.127 0.161 0.200 7 0.159 0.141 0.127 0.122 0.121 0.127 0.161 0.200 0.257 8 0.143 0.129 0.124 0.122 0.128 0.161 0.200 0.257 0.311 9 0.131 0.125 0.124 0.130 0.163 0.200 0.257 0.311 0.365 10 0.126 0.125 0.131 0.165 0.202 0.257 0.311 0.365 0.411 11 0.126 0.133 0.167 0.205 0.260 0.311 0.365 0.411 0.445 12 0.135 0.169 0.207 0.264 0.315 0.365 0.411 0.445 0.457 13 0.171 0.210 0.267 0.319 0.369 0.411 0.445 0.457 0.490 14 0.212 0.270 0.323 0.374 0.416 0.445 0.457 0.490 0.470 15 0.269 0.323 0.371 0.409 0.435 0.449 0.490 0.470 0.455 16 0.326 0.375 0.398 0.421 0.435 0.481 0.470 0.455 0.441 17 0.383 0.407 0.418 0.428 0.482 0.464 0.453 0.442 0.431 18 0.391 0.411 0.421 0.470 0.469 0.443 0.431 0.424 0.418 19 0.381 0.405 0.453 0.448 0.439 0.413 0.406 0.399 0.395 20 0.362 0.425 0.430 0.421 0.409 0.379 0.381 0.373 0.376 21 0.379 0.413 0.421 0.411 0.396 0.368 0.376 0.378 0.387 22 0.361 0.397 0.411 0.401 0.386 0.367 0.369 0.371 0.384 23 0.353 0.385 0.405 0.395 0.385 0.369 0.371 0.376 0.390 24 0.338 0.372 0.394 0.393 0.386 0.374 0.375 0.385 0.405 25 0.329 0.358 0.385 0.389 0.391 0.383 0.389 0.405 0.431 26 0.314 0.342 0.368 0.376 0.388 0.389 0.400 0.422 0.453 27 0.314 0.336 0.362 0.379 0.395 0.407 0.429 0.456 0.497 28 0.319 0.340 0.364 0.386 0.407 0.429 0.456 0.497 0.547 29 0.329 0.348 0.371 0.398 0.429 0.456 0.497 0.547 0.606 30 0.342 0.366 0.393 0.421 0.457 0.497 0.543 0.606 0.678 31 0.349 0.382 0.410 0.446 0.487 0.534 0.592 0.658 0.745 32 0.351 0.388 0.424 0.464 0.511 0.565 0.633 0.709 0.800 33 0.344 0.388 0.432 0.483 0.540 0.599 0.677 0.757 0.853 34 0.333 0.389 0.443 0.504 0.570 0.638 0.720 0.808 0.909 35 0.332 0.400 0.465 0.539 0.611 0.688 0.775 0.874 0.986 36 0.332 0.414 0.493 0.577 0.661 0.742 0.844 0.949 1.066 37 0.344 0.435 0.527 0.623 0.715 0.806 0.914 1.031 1.159 38 0.370 0.475 0.585 0.691 0.794 0.892 1.010 1.144 1.289 39 0.403 0.531 0.650 0.767 0.877 0.988 1.119 1.271 1.436 40 0.435 0.578 0.710 0.839 0.953 1.069 1.218 1.384 1.562 41 0.465 0.624 0.775 0.910 1.034 1.163 1.318 1.497 1.695 42 0.505 0.685 0.849 1.000 1.142 1.283 1.454 1.649 1.869 43 0.534 0.728 0.907 1.074 1.228 1.380 1.561 1.769 2.002 44 0.562 0.770 0.967 1.149 1.311 1.475 1.668 1.889 2.139 45 0.592 0.817 1.029 1.228 1.401 1.577 1.786 2.023 2.288 46 0.624 0.863 1.092 1.311 1.506 1.695 1.923 2.179 2.467 47 0.655 0.917 1.166 1.406 1.630 1.839 2.082 2.360 2.702 48 0.685 0.975 1.250 1.516 1.779 2.014 2.279 2.589 2.977 49 0.716 1.039 1.344 1.644 1.941 2.209 2.515 2.857 3.274 50 0.747 1.111 1.449 1.779 2.108 2.419 2.766 3.143 3.573 51 0.800 1.216 1.599 1.964 2.335 2.693 3.086 3.504 3.964 52 0.859 1.332 1.757 2.164 2.567 2.965 3.398 3.860 4.361 53 0.924 1.451 1.925 2.365 2.801 3.221 3.689 4.194 4.749 54 0.998 1.581 2.100 2.574 3.036 3.470 3.967 4.511 5.135 55 1.080 1.727 2.296 2.800 3.284 3.733 4.248 4.831 5.537 56 1.180 1.893 2.515 3.057 3.557 4.013 4.560 5.188 5.960 57 1.302 2.089 2.772 3.354 3.859 4.344 4.931 5.601 6.415 58 1.446 2.326 3.082 3.700 4.231 4.756 5.386 6.097 6.934 59 1.618 2.604 3.434 4.103 4.684 5.254 5.928 6.669 7.548 60 1.814 2.911 3.827 4.555 5.209 5.821 6.537 7.311 8.253 61 2.038 3.242 4.244 5.052 5.777 6.432 7.193 8.017 9.036 62 2.292 3.585 4.675 5.585 6.358 7.067 7.885 8.781 9.882 63 2.576 3.982 5.159 6.142 6.947 7.701 8.582 9.554 10.757 64 2.897 4.452 5.708 6.721 7.559 8.355 9.291 10.347 11.679 65 3.257 4.951 6.287 7.320 8.210 9.054 10.062 11.236 12.726 66 3.649 5.443 6.853 7.933 8.901 9.830 10.956 12.292 13.975 67 4.081 5.889 7.357 8.549 9.651 10.722 12.027 13.585 15.499 68 4.552 6.301 7.811 9.163 10.463 11.762 13.339 15.183 17.400 69 5.067 6.709 8.257 9.783 11.341 12.957 14.889 17.117 19.670 70 5.618 7.100 8.688 10.402 12.277 14.279 16.676 19.348 22.298 71 6.164 7.784 9.515 11.376 13.404 15.587 18.189 21.101 24.316 72 6.757 8.524 10.406 12.424 14.636 17.006 19.843 23.013 26.514 73 7.390 9.310 11.350 13.547 15.945 18.524 21.607 25.055 28.850 74 7.943 9.991 12.173 14.518 17.088 19.849 23.147 26.826 30.881 75 8.370 10.524 12.815 15.283 17.983 20.881 24.339 28.203 32.464 76 8.717 10.952 13.335 15.901 18.704 21.709 25.298 29.310 33.726 77 9.064 11.387 13.863 16.525 19.427 22.544 26.268 30.424 35.001 78 9.617 12.079 14.701 17.514 20.586 23.886 27.824 32.219 37.062 79 10.443 13.112 15.950 18.999 22.329 25.900 30.163 34.924 40.169 80 11.286 14.164 17.225 20.516 24.104 27.953 32.550 37.684 43.317 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------- ------- ------- 0 0.119 0.119 0.127 0.161 0.200 0.257 0.311 15 1 0.119 0.119 0.127 0.161 0.200 0.257 0.311 16 2 0.119 0.127 0.161 0.200 0.257 0.311 0.365 17 3 0.127 0.161 0.200 0.257 0.311 0.365 0.411 18 4 0.161 0.200 0.257 0.311 0.365 0.411 0.445 19 5 0.200 0.257 0.311 0.365 0.411 0.445 0.457 20 6 0.257 0.311 0.365 0.411 0.445 0.457 0.433 21 7 0.311 0.365 0.411 0.445 0.457 0.443 0.416 22 8 0.365 0.411 0.445 0.457 0.452 0.425 0.403 23 9 0.411 0.445 0.457 0.462 0.434 0.411 0.394 24 10 0.445 0.457 0.471 0.443 0.420 0.402 0.381 25 11 0.457 0.480 0.452 0.429 0.411 0.390 0.373 26 12 0.490 0.461 0.438 0.419 0.398 0.381 0.357 27 13 0.470 0.446 0.428 0.406 0.389 0.365 0.368 28 14 0.455 0.436 0.415 0.397 0.373 0.376 0.374 29 15 0.441 0.423 0.405 0.380 0.384 0.382 0.382 30 16 0.431 0.410 0.388 0.392 0.390 0.390 0.390 31 17 0.421 0.399 0.402 0.400 0.400 0.399 0.390 32 18 0.410 0.391 0.396 0.400 0.403 0.399 0.393 33 19 0.395 0.378 0.390 0.397 0.403 0.404 0.405 34 20 0.383 0.369 0.384 0.391 0.405 0.416 0.423 35 21 0.399 0.393 0.403 0.415 0.429 0.448 0.459 36 22 0.401 0.404 0.413 0.433 0.457 0.485 0.506 37 23 0.413 0.422 0.435 0.463 0.495 0.521 0.553 38 24 0.434 0.456 0.472 0.510 0.550 0.583 0.620 39 25 0.466 0.497 0.526 0.573 0.621 0.657 0.699 40 26 0.498 0.535 0.578 0.626 0.681 0.727 0.768 41 27 0.552 0.594 0.641 0.696 0.756 0.806 0.845 42 28 0.611 0.654 0.705 0.764 0.830 0.884 0.931 43 29 0.682 0.729 0.780 0.842 0.908 0.969 1.027 44 30 0.761 0.812 0.866 0.928 0.998 1.063 1.138 45 31 0.835 0.891 0.951 1.018 1.095 1.170 1.261 46 32 0.899 0.959 1.027 1.100 1.185 1.274 1.378 47 33 0.962 1.033 1.111 1.204 1.312 1.421 1.544 48 34 1.023 1.108 1.203 1.323 1.455 1.583 1.740 49 35 1.104 1.202 1.314 1.450 1.599 1.743 1.923 50 36 1.195 1.307 1.433 1.586 1.754 1.917 2.109 51 37 1.303 1.425 1.562 1.728 1.916 2.104 2.294 52 38 1.451 1.575 1.719 1.893 2.0__ 2.313 2.498 53 39 1.611 1.745 1.901 2.095 2.329 2.581 2.786 54 40 1.758 1.897 2.062 2.275 2.529 2.818 3.074 55 41 1.909 2.069 2.262 2.499 2.792 3.140 3.484 56 42 2.111 2.300 2.521 2.785 3.118 3.514 3.946 57 43 2.287 2.511 2.775 3.090 3.467 3.919 4.442 58 44 2.464 2.740 3.062 3.431 3.862 4.364 4.978 59 45 2.658 2.996 3.377 3.8ll 4.298 4.865 5.541 60 46 2.878 3.271 3.717 4.222 4.782 5.420 6.145 61 47 3.131 3.563 4.053 4.616 5.235 5.919 6.676 62 48 3.419 3.874 4.409 5.028 5.703 6.460 7.281 63 49 3.733 4.211 4.782 5.448 6.201 7.042 7.955 64 50 4.062 4.577 5.201 5.957 6.824 7.811 8.883 65 51 4.500 5.046 5.733 6.571 7.555 8.677 9.895 66 52 4.944 5.546 6.304 7.239 8.345 9.603 10.966 67 53 5.391 6.069 6.919 7.958 9.175 10.576 12.107 68 54 5.854 6.620 7.582 8.724 10.054 11.600 13.259 69 55 6.342 7.214 8.292 9.550 11.005 12.712 14.474 70 56 6.868 7.855 9.057 10.446 12.048 13.925 15.919 71 57 7.444 8.549 9.890 11.432 13.196 15.269 17.547 72 58 8.077 9.303 10.789 12.498 14.463 16.765 19.277 73 59 8.781 10.122 11.744 13.648 15.853 18.410 21.179 74 60 9.563 11.010 12.780 14.896 17.366 20.209 23.256 75 61 10.419 12.030 14.022 16.448 19.316 22.571 26.158 76 62 11.366 13.158 15.396 18.167 21.439 25.191 29.378 77 63 12.365 14.421 17.017 20.251 24.131 28.570 33.703 78 64 13.430 15.728 18.637 22.312 26.707 31.759 37.718 79 65 14.645 17.259 20.620 24.857 29.974 35.879 42.841 80 66 16.075 18.995 22.733 27.455 33.160 39.770 47.364 81 67 17.829 21.150 25.387 30.723 37.183 44.743 53.353 82 68 19.976 23.669 28.300 34.093 41.112 49.445 58.852 83 69 22.536 26.722 31.863 38.240 46.012 55.409 66.325 84 70 25.479 30.216 35.877 42.859 51.405 61.928 74.720 85 71 27.778 33.165 39.627 47.608 57.382 69.441 82.964 86 72 30.270 36.527 44.057 53.357 64.783 78.389 93.496 87 73 32.929 40.163 48.873 59.654 72.920 87.537 105.112 88 74 35.247 43.278 52.969 64.981 79.148 95.165 114.793 89 75 37.038 45.791 56.371 69.484 84.257 101.772 123.273 90 76 38.471 47.558 58.537 72.114 87.076 105.249 127.535 91 77 39.921 49.345 60.700 74.757 89.931 108.751 131.851 92 78 42.267 52.214 64.215 78.546 94.581 114.487 138.855 93 79 45.783 56.545 69.542 84.271 101.634 123.129 149.486 94 80 49.361 50.965 74.932 90.112 108.778 131.924 160.319 95 176.350 96 193.985 97 213.384 98 234.722 99
EXPECTED MORTALITY ASSUMPTIONS (l000qx) DOMINION LIFE 881 MEDICAL UNPROJECTED FEMALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 18 0.352 0.374 0.388 0.439 0.461 0.463 0.459 0.459 0.460 19 0.343 0.369 0.418 0.427 0.439 0.439 0.439 0.439 0.445 20 0.326 0.389 0.405 0.409 0.416 0.410 0.419 0.420 0.435 21 0.342 0.384 0.404 0.405 0.410 0.405 0.423 0.437 0.462 22 0.332 0.376 0.401 0.403 0.408 0.413 0.427 0.443 0.475 23 0.330 0.371 0.402 0.404 0.415 0.426 0.442 0.465 0.499 24 0.322 0.365 0.397 0.410 0.428 0.446 0.464 0.493 0.534 25 0.319 0.357 0.397 0.417 0.448 0.474 0.498 0.534 0.581 26 0.309 0.349 0.390 0.417 0.459 0.498 0.528 0.569 0.622 27 0.316 0.353 0.396 0.435 0.485 0.536 0.578 0.626 0.692 28 0.331 0.368 0.413 0.458 0.514 0.578 0.626 0.692 0.772 29 0.351 0.390 0.436 0.487 0.555 0.626 0.692 0.772 0.866 30 0.379 0.424 0.475 0.527 0.601 0.692 0.766 0.866 0.981 31 0.400 0.456 0.507 0.569 0.649 0.753 0.846 0.953 1.092 32 0.414 0.474 0.534 0.599 0.690 0.807 0.916 1.038 1.187 33 0.415 0.483 0.552 0.632 0.740 0.868 0.992 1.124 1.282 34 0.409 0.490 0.573 0.668 0.791 0.935 1.068 1.215 1.378 35 0.414 0.511 0.609 0.725 0.858 1.021 1.164 1.325 1.506 36 0.420 0.536 0.654 0.785 0.940 1.115 1.278 1.450 1.641 37 0.440 0.571 0.708 0.858 1.030 1.222 1.396 1.588 1.792 38 0.479 0.631 0.796 0.964 1.153 1.362 1.555 1.769 1.985 39 0.529 0.714 0.896 1.079 1.284 1.522 1.730 1.957 2.203 40 0.578 0.787 0.986 1.189 1.406 1.654 1.876 2.122 2.387 41 0.626 0.857 1.085 1.301 1.532 1.791 2.022 2.286 2.579 42 0.685 0.948 1.199 1.436 1.685 1.968 2.221 2.509 2.832 43 0.731 1.016 1.237 1.535 1.805 2.109 2.374 2.680 3.010 44 0.775 1.079 1.366 1.636 1.919 2.243 2.527 2.839 3.175 45 0.820 1.140 1.448 1.742 2.043 2.389 2.684 3.002 3.354 46 0.861 1.199 1.530 1.852 2.186 2.548 2.854 3.193 3.571 47 0.900 1.269 1.626 1.977 2.347 2.730 3.052 3.416 3.844 48 0.937 1.345 1.738 2.115 2.530 2.951 3.298 3.683 4.161 49 0.976 1.426 1.853 2.265 2.727 3.197 3.578 3.994 4.496 50 1.014 1.513 1.973 2.421 2.923 3.441 3.866 4.315 4.817 51 1.076 1.636 2.149 2.639 3.182 3.765 4.237 4.725 5.223 52 1.142 1.769 2.332 2.858 3.438 4.071 4.582 5.085 5.610 53 1.213 1.903 2.512 3.069 3.685 4.342 4.860 5.395 5.991 54 1.293 2.038 2.692 3.281 3.922 4.571 5.103 5.691 6.352 55 1.376 2.188 2.891 3.504 4.145 4.802 5.359 5.975 6.712 56 1.477 2.356 3.110 3.738 4.384 5.063 5.640 6.289 7.077 57 1.601 2.553 3.349 4.004 4.665 5.373 5.977 5.651 7.460 58 1.746 2.777 3.635 4.333 5.015 5.766 6.396 7.089 7.890 59 1.908 3.036 3.974 4.711 5.440 6.239 6.893 7.589 8.403 60 2.089 3.329 4.341 5.126 5.926 6.768 7.438 8.139 8.984 61 2.303 3.634 4.718 5.569 6.436 7.319 8.007 8.727 9.612 62 2.539 3.938 5.091 6.028 6.933 7.867 8.583 9.340 10.267 63 2.797 4.284 5.502 6.487 7.410 8.383 9.129 9.926 10.911 64 3.081 4.691 5.956 6.946 7.883 8.888 9.654 10.495 11.557 65 3.392 5.105 6.419 7.396 8.367 9.407 10.206 11.119 12.278 66 3.718 5.490 6.841 7.833 8.862 9.970 10.841 11.860 13.137 67 4.069 5.809 7.177 8.246 9.379 10.610 11.604 12.770 14.283 68 4.438 6.074 7.443 8.628 9.920 11.347 12.539 13.992 15.711 69 4.827 6.317 7.680 8.986 10.484 12.180 13.721 15.456 17.397 70 5.227 6.526 7.884 9.316 11.058 13.159 15.057 17.111 19.307 71 5.599 6.979 8.419 9.927 11.836 14.074 16.087 18.270 20.602 72 5.988 7.452 8.971 10.628 12.662 15.040 17.181 19.499 21.973 73 6.385 7.931 9.593 11.354 13.513 16.040 18.307 20.764 23.372 74 6.686 8.343 10.080 11.919 14.177 16.818 19.182 21.733 24.448 75 6.907 8.611 10.394 12.284 14.600 17.305 19.718 22.327 25.098 76 7.049 8.778 10.589 12.507 14.852 17.588 20.028 22.660 25.447 77 7.179 8.934 10.772 12.712 15.081 17.847 20.308 22.955 25.760 78 7.457 9.274 11.173 13.172 15.616 18.467 20.993 23.712 26.589 79 7.923 9.847 11.851 13.962 16.540 19.542 22.199 25.055 28.073 80 8.376 10.398 12.506 14.723 17.426 20.573 23.352 26.337 29.734 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------- ------- 18 0.462 0.470 0.512 0.558 0.605 0.642 0.675 33 19 0.457 0.470 0.523 0.573 0.624 0.665 0.707 34 20 0.457 0.475 0.533 0.582 0.641 0.697 0.748 35 21 0.494 0.524 0.575 0.630 0.691 0.762 0.824 36 22 0.514 0.554 0.604 0.670 0.747 0.836 0.920 37 23 0.544 0.593 0.646 0.727 0.818 0.910 1.018 38 24 0.586 0.652 0.711 0.811 0.922 1.031 1.157 39 25 0.640 0.719 0.803 0.924 1.054 1.176 1.320 40 26 0.693 0.785 0.895 1.022 1.172 1.319 1.468 41 27 0.778 0.883 1.006 1.151 1.317 1.479 1.628 42 28 0.872 0.985 1.120 1.278 1.464 1.636 1.809 43 29 0.987 1.112 1.255 1.426 1.616 1.807 2.012 44 30 1.116 1.255 1.411 1.586 1.790 2.000 2.237 45 31 1.240 1.393 1.561 1.753 1.979 2.210 2.469 46 32 1.351 1.513 1.700 1.910 2.151 2.398 2.688 47 33 1.457 1.643 1.854 2.098 2.371 2.662 2.999 48 34 1.562 1.777 2.015 2.297 2.619 2.955 3.366 49 35 1.700 1.934 2.192 2.507 2.866 3.239 3.706 50 36 1.848 2.096 2.381 2.732 3.132 3.549 4.031 51 37 2.007 2.275 2.585 2.965 3.407 3.862 4.330 52 38 2.225 2.504 2.834 3.234 3.700 4.193 4.656 53 39 2.461 2.764 3.120 3.550 4.058 4.622 5.127 54 40 2.674 2.991 3.358 3.807 4.351 4.982 5.561 55 41 2.892 3.236 3.637 4.130 4.742 5.457 6.194 56 42 3.173 3.554 4.003 4.544 5.206 6.001 6.891 57 43 3.395 3.831 4.351 4.956 5.687 6.574 7.617 58 44 3.612 4.127 4.719 5.408 6.223 7.188 8.340 59 45 3.847 4.436 5.114 5.900 6.802 7.830 9.064 60 46 4.094 4.759 5.530 5.419 7.393 8.517 9.860 61 47 4.377 5.092 5.921 6.857 7.903 9.122 10.502 62 48 4.694 5.436 6.292 7.293 8.445 9.762 11.225 63 49 5.033 5.774 6.663 7.750 9.002 10.428 12.014 64 50 5.351 6.128 7.108 8.308 9.709 11.330 13.135 65 51 5.788 6.627 7.683 8.981 10.529 12.325 14.319 66 52 6.237 7.141 8.279 9.693 11.387 13.349 15.525 67 53 6.669 7.657 8.900 10.433 12.253 14.383 16.760 68 54 7.095 8.182 9.550 11.193 13.136 15.425 17.936 69 55 7.530 8.731 10.222 11.987 14.053 16.519 19.125 70 56 7.986 9.303 10.923 12.821 15.04_ 17.675 20.534 71 57 8.471 9.906 11.662 13.711 16.091 18.920 22.081 72 58 8.992 10.540 12.432 14.642 17.216 20.266 23.653 73 59 9.559 11.207 13.219 15.609 18.410 21.698 25.319 74 60 10.172 11.907 14.043 16.620 19.664 23.207 27.256 75 61 10.825 12.701 15.031 17.893 21.310 25.411 30.036 76 62 11.528 13.552 16.092 19.256 23.188 27.787 33.043 77 63 12.235 14.481 17.330 21.043 25.571 30.869 37.112 78 64 12.957 15.389 18.606 22.716 27.722 33.594 40.642 79 65 13.767 16.555 20.170 24.788 30.459 37.137 45.151 80 66 14.814 17.852 21.782 26.804 32.973 40.262 48.798 81 67 16.098 19.469 23.814 29.351 36.164 44.283 53.715 82 68 17.667 21.331 25.976 31.858 39.090 47.819 57.862 83 69 19.513 23.566 28.606 34.931 42.750 52.331 63.642 84 70 21.588 26.063 31.488 38.257 46.642 57.081 69.936 85 71 23.020 27.966 33.985 41.501 50.812 62.434 75.884 86 72 24.523 30.098 36.899 45.394 55.956 69.161 83.471 87 73 26.068 32.319 39.949 49.504 61.396 75.477 92.236 88 74 27.250 33.988 42.233 52.565 65.437 80.658 98.999 89 75 27.946 35.078 43.811 54.755 68.976 84.785 104.450 90 76 28.314 35.513 44.320 55.815 70.240 86.193 106.175 91 77 28.640 35.895 45.139 56.826 71.324 87.520 107.806 92 78 29.540 37.305 46.894 59.014 73.690 90.468 112.425 93 79 31.427 39.674 49.853 62.706 77.706 96.294 119.823 94 80 33.274 41.990 52.738 66.307 82.293 102.124 127.204 95 139.924 96 153.916 97 169.308 98 186.239 99
EXPECTED MORTALITY ASSUMPTIONS (l000qx) DOMINION LIFE 881 MEDICAL UNPROJECTED FEMALE SMOKER
[x] [x]+l [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 18 0.391 0.440 0.482 0.846 0.894 0.892 0.884 0.885 0.887 19 0.381 0.434 0.805 0.821 0.851 0.847 0.847 0.847 0.858 20 0.362 0.709 0.780 0.787 0.807 0.791 0.808 0.809 0.839 21 0.589 0.700 0.777 0.780 0.795 0.781 0.815 0.842 0.891 22 0.572 0.685 0.772 0.775 0.790 0.796 0.823 0.853 0.916 23 0.569 0.677 0.774 0.778 0.804 0.822 0.853 0.896 0.962 24 0.555 0.665 0.765 0.790 0.829 0.861 0.895 0.951 1.029 25 0.549 0.651 0.765 0.803 0.867 0.913 0.960 1.029 1.120 26 0.533 0.636 0.751 0.803 0.890 0.960 1.017 1.097 1.199 27 0.545 0.643 0.762 0.838 0.940 1.033 1.114 1.207 1.334 28 0.569 0.671 0.794 0.882 0.996 1.114 1.207 1.334 1.488 29 0.605 0.711 0,838 0.937 1.075 1.207 1.334 1.488 1.670 30 0.652 0.773 0.915 1.014 1.165 1.334 1.476 1.670 1.890 31 0.690 0.832 0.975 1.095 1.257 1.452 1.631 1.836 2.105 32 0.713 0.864 1.027 1.153 1.337 1.555 1.765 2.002 2.289 33 0.714 0.881 1.062 1.217 1.433 1.673 1.912 2.167 2.471 34 0.704 0.894 1.103 1.286 1.532 1.803 2.059 2.341 2.657 35 0.713 0.932 1.172 1.395 1.663 1.968 2.245 2.554 2.903 36 0.723 0.978 1.259 1.510 1.821 2.150 2.465 2.796 3.164 37 0.758 1.041 1.364 1.652 1.996 2.355 2.691 3.062 3.454 38 0.825 1.152 1.533 1.855 2.234 2.627 2.998 3.411 3.826 39 0.911 1.301 1.724 2.076 2.488 2.933 3.336 3.772 4.246 40 0.996 1.435 1.899 2.289 2.724 3.188 3.616 4.092 4.601 41 1.079 1.562 2.089 2.505 2.968 3.453 3.898 4.408 4.972 42 1.180 1.729 2.308 2.763 3.265 3.794 4.283 4.836 5.460 43 1.259 1.852 2.477 2.954 3.497 4.065 4.577 5.168 5.802 44 1.334 1.967 2.630 3.149 3.718 4.325 4.872 5.474 6.121 45 1.413 2.079 2.787 3.353 3.958 4.605 5.174 5.788 6.465 46 1.483 2.187 2.945 3.565 4.236 4.911 5.503 6.156 6.884 47 1.550 2.315 3.130 3.806 4.548 5.262 5.883 6.585 7.410 48 1.614 2.452 3.344 4.071 4.902 5.690 6.358 7.101 8.023 49 1.681 2.601 3.567 4.360 5.283 6.162 6.897 7.699 8.667 50 1.746 2.760 3.798 4.660 5.664 6.634 7.453 8.319 9.287 51 1.853 2.983 4.137 5.080 6.165 7.258 8.168 9.109 10.069 52 1.966 3.225 4.489 5.501 6.660 7.848 8.834 9.803 10.815 53 2.088 3.470 4.834 5.907 7.141 8.371 9.370 10.402 11.550 54 2.227 3.717 5.182 6.316 7.599 8.813 9.838 10.971 12.245 55 2.370 3.989 5.564 6.746 8.031 9.258 10.331 11.520 12.940 56 2.545 4.296 5.986 7.195 8.494 9.761 10.874 12.123 13.644 57 2.757 4.655 6.447 7.708 9.038 10.358 11.524 12.823 14.381 58 3.006 5.065 6.997 8.340 9.716 11.115 12.330 13.667 15.211 59 3.287 5.536 7.648 9.069 10.541 12.027 13.289 14.630 16.200 60 3.598 6.070 8.355 9.866 11.482 13.048 14.340 15.691 17.319 61 3.966 6.626 9.082 10.719 12.470 14.109 15.437 16.824 18.530 62 4.373 7.180 9.799 11.603 13.432 15.166 16.547 18.006 19.794 63 4.816 7.813 10.590 12.487 14.357 16.161 17.599 19.137 21.035 64 5.306 8.554 11.465 13.369 15.274 17.134 18.611 20.234 22.280 65 5.841 9.309 12.355 14.236 16.211 18.135 19.675 21.435 23.671 66 6.403 10.012 13.168 15.077 17.170 19.221 20.901 22.864 25.327 67 7.007 10.593 13.814 15.871 18.173 20.454 22.370 24.619 27.536 68 7.643 11.076 14.327 16.607 19.220 21.876 24.173 26.975 30.289 69 8.313 11.519 14.784 17.296 20.313 23.481 26.452 29.796 33.539 70 9.002 11.900 15.176 17.932 21.425 25.369 29.028 32.988 37.222 71 9.642 12.727 16.205 19.108 22.932 27.132 31.014 35.223 39.718 72 10.313 13.589 17.267 20.458 24.533 28.995 33.123 37.591 42.361 73 10.996 14.463 18.464 21.855 26.180 30.922 35.294 40.029 45.059 74 11.515 15.214 19.403 22.943 27.468 32.422 36.981 41.898 47.131 75 11.896 15.702 20.007 23.645 28.287 33.361 38.014 43.044 48.386 76 12.139 16.006 20.383 24.073 28.776 33.906 38.611 43.685 49.058 77 12.364 16.292 20.734 24.469 29.219 34.406 39.151 44.255 49.661 78 12.842 16.911 21.506 25.353 30.255 35.601 40.472 45.714 51.259 79 13.646 17.956 22.811 26.874 32.047 37.674 42.797 48.302 54.121 80 14.425 18.961 24.072 28.340 33.763 39.661 45.019 50.773 57.324 [x]+9 [x]+10 [x]+ll [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------- ------- ------- ------- 18 0.890 0.874 0.918 0.963 1.007 1.031 1.044 33 19 0.880 0.873 0.936 0.989 1.038 1.067 1.094 34 20 0.880 0.883 0.954 1.004 1.068 1.119 1.158 35 21 0.952 0.974 1.029 1.088 1.151 1.224 1.275 36 22 0.991 1.029 1.082 1.158 1.244 1.342 1.424 37 23 1.049 1.102 1.158 1.255 1.362 1.461 1.575 38 24 1.129 1.212 1.273 1.400 1.534 1.655 1.790 39 25 1.235 1.336 1.439 1.595 1.755 1.888 2.043 40 26 1.337 1.459 1.603 1.765 1.951 2.117 2.272 41 27 1.500 1.641 1.801 1.987 2.193 2.375 2.520 42 28 1.682 1.829 2.006 2.207 2.437 2.625 2.801 43 29 1.903 2.067 2.248 2.462 2.689 2.901 3.114 44 30 2.151 2.332 2.527 2.738 2.979 3.211 3.463 45 31 2.390 2.588 2.796 3.027 3.295 3.547 3.822 46 32 2.604 2.811 3.045 3.298 3.581 3.849 4.161 47 33 2.810 3.053 3.320 3.623 3.948 4.274 4.642 48 34 3.012 3.301 3.609 3.966 4.360 4.743 5.210 49 35 3.278 3.593 3.926 4.329 4.771 5.199 5.737 50 36 3.564 3.894 4.264 4.718 5.215 5.697 6.240 51 37 3.869 4.227 4.629 5.119 5.672 6.200 6.702 52 38 4.289 4.652 5.075 5.584 6.160 6.731 7.207 53 39 4.744 5.135 5.589 6.129 6.756 7.419 7.936 54 40 5.155 5.558 6.014 6.574 7.243 7.998 8.607 55 41 5.575 6.012 6.515 7.131 7.894 8.759 9.587 56 42 6.118 6.603 7.169 7.846 8.666 9.633 10.666 57 43 6.544 7.119 7.793 8.557 9.468 10.553 11.790 58 44 6.964 7.669 8.452 9.338 10.360 11.539 12.909 59 45 7.417 8.243 9.160 10.188 11.323 12.569 14.030 60 46 7.892 8.843 9.904 11.084 12.308 13.672 15.262 61 47 8.439 9.461 10.604 11.840 13.157 14.643 16.255 62 48 9.050 10.101 11.269 12.592 14.058 15.670 17.374 63 49 9.703 10.729 11.934 13.382 14.985 16.739 18.595 64 50 10.317 11.385 12.731 14.345 16.162 18.188 20.331 65 51 11.158 12.313 13.760 15.506 17.528 19.784 22.163 66 52 12.024 13.268 14.827 16.736 18.957 21.428 24.029 67 53 12.856 14.228 15.940 18.015 20.398 23.087 25.941 68 54 13.679 15.202 17.105 19.327 21.868 24.760 27.762 69 55 14.517 16.222 18.308 20.697 23.404 26.516 29.601 70 56 15.396 17.285 19.563 22.138 25.03_ 28.371 31.783 71 57 16.330 18.406 20.888 23.675 26.788 30.370 34.178 72 58 17.335 19.584 22.266 25.281 28.661 32.531 36.610 73 59 18.428 20.823 23.676 26.952 30.649 34.829 39.189 74 60 19.610 22.124 25.152 28.696 32.735 37.252 42.187 75 61 20.869 23.599 26.921 30.896 35.477 40.790 46.491 76 62 22.225 25.181 28.822 33.249 38.602 44.603 51.144 77 63 23.587 26.907 31.039 36.334 42.569 49.550 57.443 78 64 24.979 28.594 33.325 39.223 46.149 53.924 62.907 79 65 26.542 30.760 36.125 42.801 50.708 59.612 69.886 80 66 28.559 33.169 39.012 46.282 54.893 64.628 75.531 81 67 31.035 36.175 42.651 50.679 60.204 71.082 83.141 82 68 34.060 39.634 46.525 55.008 65.074 76.759 89.560 83 69 37.619 43.787 51.235 60.315 71.168 84.001 98.506 84 70 41.618 48.427 56.396 66.057 77.647 91.626 108.249 85 71 44.379 51.963 50.869 71.657 84.590 100.218 117.765 86 72 47.277 55.924 66.089 78.380 93.154 110.739 129.905 87 73 50.256 60.050 71.550 85.477 102.210 121.053 143.927 88 74 52.534 63.151 75.640 90.762 108.867 129.651 154.748 89 75 53.875 65.177 78.468 94.543 114.169 136.498 163.471 90 76 54.586 65.985 79.379 96.374 116.131 138.833 166.231 91 77 55.214 66.695 80.845 98.119 117.996 141.036 168.840 92 78 56.948 69.315 83.990 101.897 122.068 145.927 176.230 93 79 60.586 73.716 89.289 108.270 128.979 155.594 188.067 94 80 64.148 78.021 94.456 113.866 136.873 165.268 199.876 95 219.864 96 241.850 97 266.035 98 292.639 99
SPECIAL ENTIRE AGREEMENT AND ARBITRATION AMENDMENT It is mutually agreed that effective the 31st day of December, 1993, each of the following Reinsurance Agreements between The Life Insurance Company of Virginia, hereinafter referred to as the Company, and North American Reassurance Company, hereinafter referred to as North American Re, shall be amended by adding the following Entire Agreement Article and by replacing the Arbitration Article in each specified Agreement with the following new Arbitration Article. Except as hereinafter specified, all terms and conditions of the aforesaid Agreements and the amendments and addenda attached thereto shall continue to apply. Automatic Coinsurance Agreement dated March 1, 1982 Automatic Coinsurance Agreement dated June 1, 1982 Reinsurance Agreement dated June 1, 1984 ENTIRE AGREEMENT ARTICLE Entire Agreement 1. This Agreement, Amendments, and Addenda shall constitute the entire agreement between the parties with respect to business reinsured hereunder. There are no understandings between the parties other than as expressed in this Agreement and any change or modification of this Agreement shall be null and void unless made by amendment to the Agreement and signed by both parties. - 1 - ARBITRATION ARTICLE Arbitration 1. In the event of any difference arising hereafter between the contracting parties with reference to any transaction under this Agreement, the same shall be referred to three arbitrators who must be current or former executive officers of life insurance or life reinsurance companies other than the two parties to this Agreement or their affiliates, each of the contracting companies to appoint one of the arbitrators and such two arbitrators to select the third. If either party refuses or neglects to appoint an arbitrator within 60 days after receipt of the written request for arbitration, the other party may appoint a second arbitrator. 2. If the two arbitrators fail to agree on the selection of a third arbitrator within 60 days of their appointment, each of them shall name three individuals, of whom the other shall decline two, and the decision shall be made by drawing lots. 3. The arbitrators shall consider this Reinsurance Agreement not merely as a legal document but also as a gentlemen's agreement. In resolving the dispute, the arbitrators will give full consideration to the customs and practices of the life insurance and life reinsurance industry, insofar as they are not in conflict with the specific terms of this Agreement. The arbitrators shall decide by a majority vote. There shall be no appeal from their written decision. 4. Unless the arbitrators decide otherwise, each party shall bear the expense of its own arbitration, including its - 2 - arbitrator and outside attorney fees, and shall jointly and equally bear with the other party the expense of the third arbitrator. Any remaining costs of the arbitration proceedings shall be apportioned by the Board of Arbitrators. IN WITNESS WHEREOF, the Company and North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. THE LIFE INSURANCE COMPANY OF VIRGINIA By: Illegible Attest: Illegible ------------------------- --------------------------- Title: Illegible Title: Vice President Actuary Date: Jan 3, 1994 Date: Jan 3, 1994 NORTH AMERICAN REASSURANCE COMPANY By: Illegible Attest: Illegible ------------------------- --------------------------- Title: V.P. Title: Asst V.P. Date: 12.20.93 Date: 12/20/93 - 3 - CORPORATE RETENTION LIMITS OF THE CEDING COMPANY LIFE AGES AMOUNT ----- ---------- 0-75 $1,000,000 76-80 100,000 WAIVER OF PREMIUM DISABILITY An amount equal to that attaching to the face amount of Life coverage retained EXHIIBIT D AUTOMATIC BINDING LIMITS TO THE REINSURANCE POOL Life ----------------------------------------------- Total LOV Auto Pool NARE Share Ages Retention Coverage of Auto Cover ----- ---------- ---------- ------------- 0-75 $1,000,000 $9,000,000 $1,800,000 76-80 100,000 1,400,000 280,000 Waiver of Premium Disability An amount equal to that attaching to the face amount of Life coverage automatically reinsured. The total WPD that can be reinsured is $3,000,000. EXHIBIT G AMENDMENT NO. VI To the Reinsurance Agreement Between the LIFE INSURANCE COMPANY OF VIRGINIA And NORTH AMERICAN REASSURANCE COMPANY Except as hereinafter specified, all terms and conditions of the Reinsurance Agreement effective the 1st day of June, 1984, amendments and addenda attached thereto, shall apply, and this Amendment is to be attached to and made a part of the aforesaid Agreement. It is mutually agreed that effective the 1st day of October, 1994, EXHIBIT D, Corporate Retention Limits of the Ceding Company, EXHIBIT E, Jumbo Risk, and EXHIBIT G, Automatic Binding Limits to the Pool, are revised as attached. IN WITNESS WHEREOF, the Company and North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. LIFE INSURANCE COMPANY OF VIRGINIA By: Illegible Attest: Illegible ----------------------- ---------------------- Title: Illegible Title: Illegible -------------------- ----------------------- Date: April 13, 1995 Date: April 13, 1995 NORTH AMERICAN REASSURANCE COMPANY By: Illegible Attest: Illegible ----------------------- ---------------------- Title: V.P. Title: Asst V.P. Date: April 17, 1995 Date: 4/17/95 - 1 - CORPORATE RETENTION LIMITS OF THE CEDING COMPANY I. Life A. Survivor Life (Joint & Last Survivor UL) Plan: Ages Amount ----- ---------- 0-75 $1,000,000 76-85 100,000 The Company will retain on the youngest of the insurable joint lives. B. All Other Plans: Ages Amount ----- ---------- 0-75 $1,000,000 76-80 100,000 II. Waiver of Premium Disability An amount equal to that attaching to the face amount of Life coverage retained. EXHIBIT D JUMBO RISK Ages Amount ----- ----------- 0-75 $15,000,000 76-85 5,000,000 EXHIBIT E AUTOMATIC BINDING LIMITS TO THE REINSURANCE POOL I. Life A. Survivor Life (Joint & Last Survivor UL) Plan: Total LOV Auto Pool NARe Share Ages Retention* Coverage* of Auto Cover* ----- ---------- ---------- -------------- 0-75 $1,000,000 $9,000,000 $1,800,000 76-80 100,000 1,900,000 380,000 81-85 100,000 1,000,000 200,000 *Retention and automatic coverage will be based on the younger age. B. All Other Plans: Total LOV Auto Pool NARe Share Ages Retention Coverage* of Auto Cover ----- ---------- ---------- -------------- 0-75 $1,000,000 $9,000,000 $1,800,000 76-80 100,000 1,400,000 280,000 II. Waiver of Premium Disability An amount equal to that attaching to the face amount of Life coverage automatically reinsured. The total WPD that can be reinsured per life is $3,000,000. EXHIBIT G Memorandum Addendum No. XIII to the Reinsurance Agreement effective June 1, 1984 between the Life Insurance Company of Virginia and North American Reassurance Company. Effective December l, 1994, reinsurance generated on the Future Security plan and the Waiver of Premium Rider shall be ceded under the above referenced Reinsurance Agreement subject to the same terms and conditions of the Agreement except as provided below: 1. Plan of Reinsurance: A. Reinsurance of Life risks shall be on the risk premium basis. The risk amount on the policy reinsured shall be calculated monthly and shall be equal to the death benefit less the cash value. At the time of issue, the Ceding Company shall cede to North American Re a portion of the initial risk amount in excess of its retention. Thereafter, the Ceding Company and North American Re shall keep the same proportionate shares of the risk amount developed each month. 2. Reinsurance Administration: A. Reinsurance shall be ceded using a bordereau format in accordance with the suggested reporting details for Universal Life products as indicated in Exhibit C of the basic Agreement. 3. Reinsurance Premiums: A. Life Premiums i) Until further notice, reinsurance premiums shall be developed as described in the Exhibit B attached to this Memorandum Addendum. North American Re guarantees that premium rates for a given attained age, rating, and duration shall not exceed the higher of the rate shown in the attached schedule (Exhibit B) for that age, rating, and duration or the one year term rate on the appropriate multiple of the applicable 1980 CSO table at the maximum statutory valuation rate approved in New York state. ii) Reinsurance premiums are annual premiums payable at the end of the month in which they become due. 4. Premium Tax Reimbursement: A. The reinsurance premiums for these plans of insurance have been calculated to reflect the Ceding Company's premium tax liability. North American Re shall not make any additional reimbursement for premium taxes. - 1 - 5. Percentage of Participation: A. North American Re's percentage of participation shall be equal to 20%, not to exceed the limits specified in Exhibit G of the Agreement to which this Memorandum Addendum is attached. IN WITNESS WHEREOF, the Company and North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. LIFE INSURANCE COMPANY OF VIRGINIA By: Illegible Attest: Illegible ------------------------- ---------------------- Title: Zd V.P. Title: Illegible ---------------------- ----------------------- Date: April 13, 1995 Date: April 13, 1995 NORTH AMERICAN REASSURANCE COMPANY By: Illegible Attest: Illegible ------------------------- ---------------------- Title: V.P Title: Asst VP Date: April 13, 1995 Date: 4/17/95 - 2 - Memorandum Addendum No. XII to the Reinsurance Agreement effective June 1, 1984 between the Life Insurance Company of Virginia and North American Reassurance Company. Effective October 1, 1994, reinsurance generated on the Survivor Life plan and associated riders shall be ceded under the above referenced Reinsurance Agreement subject to the same terms and conditions of the Agreement except as provided below: 1. Automatic Coverage: A. On and after the Effective Date of this Memorandum Addendum, whenever the Ceding Company issues coverage on a risk for the Survivor Life plan covered by this Pool, and the total coverage issued and in force on that risk with the Ceding Company exceeds its then current maximum retention, such coverage will be automatically reinsured in the Pool, provided: a. that the aggregate amount of life and supplemental benefits reinsured does not exceed the maximum set out in Exhibit G of the Agreement to which this Addendum is attached; b. that each risk is not known to be a citizen of countries other than the United States and Canada, is residing in the United States or Canada, is classified in accordance with generally accepted individual underwriting practices, and is not a Jumbo Risk as defined in Exhibit E of the Agreement to which this Addendum is attached; c. that on the risk (the younger risk if joint coverage) the Ceding Company has retained its maximum Exhibit D retention, either for the current coverage or on a previous issue, or by combination of both, at the time reinsurance is required; d. that for the current coverage, the Ceding Company has not made facultative application to another reinsurer; e. that for joint life coverage where both risks are insurable, each risk must be rated Table 16 or lower for issue ages 20-75, and Table 4 or lower for issue ages 76-85; f. that for joint life coverage involving one uninsurable risk, the insurable risk must be no greater than Table 8 for issue ages 20-75, or Table 4 for issue ages 76-85. - 1 - 2. Plan of Reinsurance: A. Reinsurance of Life risks shall be on the risk premium basis. The reinsured risk amount on the policy reinsured shall be calculated annually and shall be equal to the death benefit less the cash value less the Company's retention. 3. Reinsurance Administration: A. Reinsurance shall be ceded using a bordereau format in accordance with the suggested reporting details for Universal Life products as indicated in Exhibit C of the basic Agreement. 4. Reinsurance Premiums: A. Life Premiums i) Until further notice, reinsurance premiums shall be developed as described in the Exhibit B attached to this Memorandum Addendum. North American Re guarantees that premium rates for a given attained age, rating, and duration shall not exceed the higher of the rate shown in the attached schedule (Exhibit B) for that age, rating, and duration or the one year term rate on the appropriate multiple of the applicable 1980 CSO table at the maximum statutory valuation rate approved in New York state. ii) Reinsurance premiums are annual premiums payable at the end of the month in which they become due. 5. Premium Tax Reimbursement: A. The reinsurance premiums for these plans of insurance have been calculated to reflect the Ceding Company's premium tax liability. North American Re shall not make any additional reimbursement for premium taxes. 6. Percentage of Participation: A. North American Re's percentage of participation shall be equal to 20%, not to exceed the limits specified in Exhibit G of the Agreement to which this Memorandum Addendum is attached. - 2 - IN WITNESS WHEREOF, the Company and North American Re have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. LIFE INSURANCE COMPANY OF VIRGINIA By: Illegible Attest: Illegible ------------------------- ---------------------- Title: ZD v.p. Title: Illegible ---------------------- ----------------------- Date: April 24, 1995 Date: April 25, 1995 NORTH AMERICAN REASSURANCE COMPANY By: Illegible Attest: Illegible ------------------------- ---------------------- Title: Sr Vice President Title: Asst VP Date: May 1, 1995 Date: 5/1/95 - 3 - REINSURANCE PREMIUMS I.A. Plan and Rider: Joint Last Survivor UL (Policy Form P1135 07/94) Four Year Term Rider B. Standard Reinsurance Risk Premiums: 1. Where both risks are classified as insurable, the reinsurance premiums on the above plan and rider are equal to the greater of 83% of the Frasierized annual joint life cost of insurance rates and $.20 per $1,000. Frasierized annual joint cost of insurance rates are developed by applying the formula shown in Attachment No. 1 to this Exhibit B to the greater of: a) the current single life cost of insurance rates reflected on the diskette attached to this Exhibit B as Attachment No.2, or b) the single life cost of insurance rates actually charged the insured. 2. Uninsurable risks shall be classified by the Company as one of the following, based upon life expectancy: Table X = Table 20 Table Y = Table 20 + $50 TFE for 10 years Table Z = Table 20 + $200 TFE for 10 years Based upon this classification, single life rates for each risk shall be developed as specified in Section I.B, above. The resulting two single life premiums are then Frasierized, as per Section I.B, above, and subject to the $.20 per thousand minimum. II.2. Additional Rider: A. Policy Split Option Rider: This Rider will be reinsured at no charge until it is exercised. Once exercised, the reinsurance on each resulting single life policy will be a proportionate share equal to the proportionate share reinsured on the original joint policy, provided each life is reunderwritten. Reinsurance premiums shall be first year single life rates as reflected on the diskette attached to this Exhibit as Attachment No. 1. Otherwise, point-in-scale reinsurance premiums shall apply. III. Multiple Table Substandard Reinsurance Premiums: Multiple table substandard reinsurance premiums are equal to the sum of the standard premium and 20% of the standard premium for each 25% excess mortality. IV. Annual Flat Extra Substandard Reinsurance Premiums: a) Permanent Flat Extra Premiums are ones assessed for more than 5 years. North American Re should receive its proportionate share of any such premiums less a 10% reduction in all policy years. b) Temporary Flat Extra Premiums are ones assessed for 5 years or less. North American Re should receive its proportionate share of any such premiums less a 10% reduction in all policy years. V. Maximum Amount Of Reinsurance On One Life On These Reinsurance Premiums: $10,000,000. For ceded risk amounts in excess of $10,000,000, the reinsurance premiums described in Section I.B, above, increased by 10%, shall apply. VI. Reinsurance Premiums For Policies Converted to the Survivor Life Plan: Any reinsurance in force with North American Re on policies converted to or reissued on the Survivor Life plan shall be continued with the North American Re. The reinsured risk amount shall be determined as described in Paragraph 2 of this Memorandum Addendum following the conversion or reissue. The applicable reinsurance premiums will be determined as described in this Exhibit B, with age and duration measured from the date of issue of the original policy. VIII. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B Page 2 of 2 ATTACHMENT NO. I SECOND-TO-DIE CALCULATION OF STANDARD FRASIERIZED ANNUAL COI RATES FROM ANNUAL MORTALITY RATES INPUT: m = years to maturity = years until younger insured attains age 100 = 100 - min (issue age life #1, issue age life #2) Ql//t// = annual mortality rates for life #1 for t = 1 to m Q2//t// = annual mortality rates for life #2 for t = 1 to m NOTE: For Ql and Q2, when m extends beyond age 100, force in a rate of 1 as needed. CALCULATIONS: TQ1//O// = 0 TQl//t// = TQl//t-1// + (l-TQ1//t-1//) (Q1//t//) for t = 1 to m TQ2//O// = 0 TQ2//t// = TQ2//t-1// + (1-TQ2//t-1//) (Q2//t//) for t = 1 to m TQ//t// = (TQ1//t//)(TQ2//t//) - (TQ1//t-1//) (TQ2//t-1//) for t = 1 to m TP//O// = 1 TP//t// = TP//t-1// - TQ//t// for t = 1 to m Q//t// = 1 - TP//t///TP//t-1// for t = 1 to m P//t// = 1 - Q//t// for t = 1 to m COI//t// = 1000(1-P//t//)/(P//t//) for t = 1 to m truncate to 5 places AMENDMENT NO. IX To the Automatic Reinsurance Agreement Between the LIFE INSURANCE COMPANY OF VIRGINIA And SWISS RE LIFE & HEALTH AMERICA INC. Except as hereinafter specified, all terms and conditions of the Automatic Reinsurance Agreement effective the 1st day of June, 1984, amendments and addenda attached thereto, shall apply, and this Amendment is to be attached to and made a part of the aforesaid Agreement. It is mutually agreed that effective the 1st day of December, 1997, EXHIBIT D, Corporate Retention Limits of the Ceding Company, EXHIBIT E, Jumbo Risk, and EXHIBIT G, Automatic Binding Limits To The Reinsurance Pool, are revised as attached. IN WITNESS WHEREOF, the Company and Swiss Re Life & Health have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. LIFE INSURANCE COMPANY OF VIRGINIA By: Illegible Attest: Illegible ----------------------- --------------------------- Title: VP Title: Illegible Date: 11/26/97 Date: 12/15/97 SWISS RE LIFE & HEALTH AMERICA INC. By: Illegible Attest: Illegible ----------------------- --------------------------- Title: Vice President Title: Vice President Date: January 5, 1998 Date: January 5, 1998 - 1 - CORPORATE RETENTION LIMITS OF THE CEDING COMPANY I. Life A. Survivor Life (Joint & Last Survivor UL) Plan: Ages Amount ----- ---------- 0-75 $1,000,000 76-85 100,000 The Company will retain on the younger of the insurable joint lives. B. Commonwealth IV Variable UL Plan: Ages Amount ----- ---------- 0-75 $1,000,000 76-85 100,000 C. All Other Plans: Ages Amount ----- ---------- 0-75 $1,000,000 76-80 100,000 II. Waiver of Premium Disability An amount equal to that attaching to the face amount of Life coverage retained EXHIBIT D JUMBO RISK Ages Amount ----- ----------- 0-75 $30,000,000 76-85 5,000,000 EXHIBIT E AUTOMATIC BINDING LIMITS TO THE REINSURANCE POOL 1 A. Survivor Life (Joint & Last Survivor UL) Plan: LOV Total Auto SRLHA Share Ages Retention Pool Coverage* of Auto Cover* ----- ---------- -------------- -------------- 0-75 $1,000,000 $9,000,000 $1,800,000 76-80 100,000 1,900,000 380,000 81-85 100,000 1,000,000 200,000 *Retention and automatic coverage will be based on the younger age. B. T10, T15 and T20 Plans: LOV Total Auto SRLHA Share Ages Retention Pool Coverage of Auto Cover ----- ---------- ------------- ------------- 0-75 $1,000,000 $9,000,000 $1,350,000 76-80 100,000 1,400,000 210,000 C. Commonwealth IV Variable UL Plan: LOV Total Auto SRLHA Share Ages Retention Pool Coverage of Auto Cover ----- ---------- ------------- ------------- 0-75 $1,000,000 $20,000,000 $3,000,000 76-85 100,000 2,000,000 300,000 D. All Other Plans: LOV Total Auto SRLHA Share Ages Retention Pool Coverage of Auto Cover ----- ---------- ------------- ------------- 0-75 $1,000,000 $9,000,000 $1,800,000 76-80 100,000 1,400,000 280,000 EXHIBIT G Memorandum Addendum No. XV to the Automatic Reinsurance Agreement effective June 1, 1984 between the Life Insurance Company of Virginia and Swiss Re Life & Health America Inc. Effective December 1, 1997, reinsurance generated on the Commonwealth IV Variable UL plan shall be ceded under the above referenced Reinsurance Agreement subject to the same terms and conditions of the Agreement except as provided below: 1. Plan of Reinsurance: A. Reinsurance of Life risks shall be on the risk premium basis. The risk amount on the policy reinsured shall be calculated monthly and shall be equal to the death benefit less the cash value. At the time of issue, the Company shall cede to Swiss Re Life & Health the portion of the initial risk amount in excess of its retention. Thereafter, the Company and Swiss Re Life & Health shall keep the same proportionate shares of the risk amount developed each month. 2. Reinsurance Administration: A. Reinsurance shall be ceded using a bordereau format in accordance with the suggested reporting details for Universal Life products as indicated in Exhibit C of the basic Agreement. 3. Reinsurance Premiums: A. Life Premiums i) Until further notice, reinsurance premiums shall be developed as described in the Exhibit B attached to this Memorandum Addendum. Swiss Re Life & Health guarantees that premium rates for a given attained age, rating, and duration shall not exceed the higher of the rate shown in the attached schedule (Exhibit B) for that age, rating, and duration or the one year term rate on the appropriate multiple of the applicable 1980 CSO table at the maximum statutory valuation rate approved in New York state. ii) Reinsurance premiums are monthly premiums payable at the end of the month in which they become due. 4. Premium Tax Reimbursement: A. The reinsurance premiums for these plans of insurance have been calculated to reflect the Ceding Company's premium tax liability. Swiss Re Life & Health shall not make any additional reimbursement for premium taxes. - 1 - 5. Percentage of Participation: A. Swiss Re Life & Health's percentage of participation shall be equal to 15%, not to exceed the limits specified in Exhibit G of the Agreement to which this Memorandum Addendum is attached. IN WITNESS WHEREOF, the Company and Swiss Re Life & Health have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. THE LIFE INSURANCE COMPANY OF VIRGINIA. By: Illegible Attest: Illegible ----------------------- --------------------------- Title: V P Title: Illegible Date: 11/26/97 Date: 12/15/97 SWISS RE LIFE & HEALTH AMERICA INC. By: Illegible Attest: Illegible ----------------------- --------------------------- Title: Vice President Title: Vice President Date: January 5, 1998 Date: January 5, 1998 - 2 - REINSURANCE PREMIUMS I. Plan: Commonwealth IV Variable UL II. Standard Reinsurance Risk Premiums: Reinsurance on the above plan shall be ceded on a bordereau basis employing monthly reinsurance premiums. The reinsurance premiums shall equal the mortality assumptions contained on the attached diskette labeled Exhibit B-1, multiplied by the following factors: Preferred Preferred Issue Age Nonsmoker Nonsmoker Smoker Smoker --------- --------- --------- --------- ------ 0-40 1.19 1.19 1.19 1.19 41-60 1.03 1.05 1.00 1.00 61+ 1.05 1.03 1.09 1.09 III. Multiple Table Substandard Reinsurance Premiums: Multiple table substandard reinsurance premiums are equal to the sum of the standard premium plus 25% of that standard premium for each 25% excess morality. IV. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B Swiss Re America Deborah Keyes, F.L.M.I. Assistant Vice President Mr. John Metz Swiss Re Life Company America Life Insurance Company Of Virginia 237 Park Avenue P. O. Box 27601 New York, New York 10017 Richmond, VA 23261 Telephone (212) 907-8473 Fax (212) 907-8989 June 20, 1995 Dear Mr. Metz : North American Reassurance Company (North American Re) changed its name to Swiss Re Life Company America (Swiss Re America) effective June 5, 1995. Since the parties to our reinsurance agreements remain unchanged despite our name change, it is not necessary to formally amend our treaties. We suggest that you simply file a copy of this notice with each inforce treaty you have with us. If you prefer a formal treaty amendment, just let us know and we will accommodate you. Please circulate this letter to those of your colleagues who may interact with Swiss Re America. Should you have any questions, please let me know. Sincerely, /s/ Deborah Keyes --------------------------- Deborah Keyes DK/Ih Swiss Re America REINSURANCE PREMIUMS I. Plans: Graded Premium Life (TLevel 10) 15 Year Graded Premium Life (TLevel 15) II. Standard Reinsurance Risk Premiums: Reinsurance on the above plans shall be ceded on a bordereau basis employing annual reinsurance premiums. The reinsurance premiums shall equal the mortality assumptions attached to Exhibit B of Memorandum Addendum No. IX attached to the Agreement to which this Amendment is attached, multiplied by the following factors: TLevel 10 Super Issue Preferred Preferred Regular Preferred Regular Age Non-Smoker Non-Smoker Non-Smoker Smoker Smoker --------- ---------- ---------- ---------- --------- ------- 0-40 1.10 1.30 1.28 1.35 1.21 41-60 .95 1.12 1.10 1.12 1.13 61 & Over .98 1.15 1.10 1.25 1.24 TLevel 15 Super Issue Preferred Preferred Regular Preferred Regular Age Non-Smoker Non-Smoker Non-Smoker Smoker Smoker --------- ---------- ---------- ---------- --------- ------- 0-40 1.10 1.30 1.30 1.35 1.11 41-60 .92 1.08 1.05 1.12 1.06 61 & Over 1.02 1.20 1.15 1.25 1.32 Re-entry is available after 10 years for the TLevel 10 plan and after 15 years for the TLevel 15 plan. Upon re-entry, the policy is treated as a new issue. III. Multiple Table Substandard Reinsurance Premiums: Multiple table substandard reinsurance premiums are equal to the sum of the standard premium (the classes listed in Section II, above) and 25% of the standard premium for each 25% excess mortality. IV. Maximum Amount of Reinsurance On One Life On These Reinsurance Premiums: $5,000,000. For the excess amount over $5,000,000 rate schedule NRN-5833, which is attached to the basic agreement, will apply. The nonsmoker rates in schedule NRN-5833 will be used for Super Preferred Non-Smoker, Preferred Nonsmoker and Regular Non-Smoker. The smoker rates will be used for both Preferred Smoker and Regular Smoker. V. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B AMENDMENT NO. XVII to the Reinsurance Agreement effective June 1, 1984 (hereinafter referred to as No. NA3273-84) made between GE Life and Annuity Assurance Company (hereinafter referred to as "the Company") and Swiss Re Life & Health America Inc. (hereinafter referred to as "the Reinsurer"). It is understood that effective June 26, 1999, the Company will allow conversions of the Colony Series (old and new versions), Sure Term, Select Choice, Provider, and Prime Term policies to the Variable Universal Life (VUL) products reinsured under the terms of this Agreement. Conversions will be on a point-in-scale basis at attained date and age. Reinsurance premiums will be based on the following percentages of the GE98FULM Table, attached, in all durations: Preferred/Standard Pool Impaired Risk Pool ---------------------------------- ------------------ Preferred Best No Nicotine 48.0% Non Smoker 90.0% Preferred No Nicotine 63.4% Smoker 223.0% Select No Nicotine 73.0% Standard No Nicotine 83.5% Preferred Nicotine 149.8% Standard Nicotine 196.8% All other terms and conditions remain unaltered. Made in duplicate and executed by both parties. Signed for and on behalf of GE Life and Annuity Assurance Company By: Illegible By: Illegible --------------------------------- ------------------------------------ Title: SR VP Title: Illegible Date: 12/4/01 Place: Richmond, VA Signed for and on behalf of Swiss Re Life & Health America Inc. By: Illegible By: Illegible --------------------------------- ------------------------------------ Title: Vice President Title: Vice President Date: 11/01/01 Place: Stanford CT 98D Male Dur
Age 1 2 3 4 5 6 7 8 9 10 11 12 13 --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ 0 0.583 0.335 0.228 0.209 0.153 0.135 0.120 0.125 0.120 0.118 0.111 0.132 0.155 1 0.218 0.207 0.200 0.148 0.125 0.123 0.120 0.125 0.116 0.107 0.125 0.150 0.181 2 0.188 0.188 0.154 0.128 0.125 0.123 0.117 0.111 0.102 0.120 0.152 0.177 0.207 3 0.158 0.149 0.131 0.128 0.125 0.123 0.113 0.107 0.124 0.144 0.166 0.210 0.291 4 0.144 0.133 0.131 0.128 0.122 0.116 0.106 0.125 0.143 0.167 0.198 0.294 0.431 5 0.139 0.133 0.131 0.128 0.118 0.108 0.128 0.139 0.170 0.193 0.297 0.435 0.530 6 0.129 0.125 0.123 0.122 0.111 0.130 0.142 0.170 0.197 0.293 0.439 0.536 0.591 7 0.120 0.118 0.115 0.116 0.133 0.137 0.177 0.201 0.291 0.444 0.541 0.591 0.624 8 0.123 0.118 0.115 0.128 0.140 0.181 0.206 0.293 0.453 0.547 0.597 0.624 0.663 9 0.120 0.118 0.131 0.136 0.177 0.210 0.291 0.457 0.552 0.603 0.630 0.655 0.654 10 0.120 0.125 0.138 0.173 0.214 0.288 0.466 0.556 0.615 0.630 0.662 0.650 0.640 11 0.120 0.133 0.169 0.211 0.290 0.476 0.567 0.627 0.642 0.662 0.656 0.640 0.640 12 0.136 0.165 0.215 0.287 0.486 0.579 0.640 0.655 0.675 0.656 0.639 0.639 0.635 13 0.160 0.212 0.285 0.495 0.584 0.653 0.668 0.681 0.662 0.638 0.639 0.634 0.661 14 0.208 0.281 0.506 0.589 0.667 0.675 0.688 0.668 0.643 0.638 0.633 0.660 0.683 15 0.278 0.516 0.593 0.673 0.689 0.694 0.666 0.649 0.643 0.632 0.659 0.682 0.741 16 0.526 0.605 0.679 0.695 0.708 0.680 0.654 0.649 0.638 0.658 0.674 0.740 0.789 17 0.609 0.693 0.693 0.714 0.686 0.660 0.654 0.643 0.664 0.664 0.731 0.790 0.818 18 0.699 0.691 0.696 0.692 0.665 0.659 0.640 0.661 0.662 0.721 0.773 0.772 0.783 19 0.681 0.685 0.656 0.671 0.664 0.629 0.618 0.658 0.718 0.744 0.752 0.752 0.741 20 0.664 0.610 0.634 0.644 0.642 0.605 0.604 0.653 0.713 0.722 0.717 0.717 0.717 21 0.595 0.569 0.589 0.605 0.609 0.599 0.602 0.640 0.673 0.681 0.686 0.687 0.699 22 0.553 0.529 0.542 0.573 0.597 0.602 0.596 0.638 0.661 0.657 0.665 0.678 0.669 23 0.501 0.486 0.517 0.559 0.602 0.598 0.610 0.615 0.624 0.643 0.633 0.657 0.672 24 0.444 0.455 0.500 0.557 0.604 0.614 0.614 0.614 0.619 0.618 0.635 0.640 0.684 25 0.396 0.430 0.491 0.550 0.581 0.599 0.608 0.616 0.619 0.625 0.643 0.682 0.677 26 0.352 0.410 0.478 0.520 0.549 0.572 0.598 0.618 0.625 0.626 0.646 0.658 0.670 27 0.309 0.385 0.445 0.481 0.505 0.542 0.593 0.628 0.625 0.638 0.641 0.669 0.698 28 0.327 0.396 0.453 0.487 0.511 0.553 0.607 0.628 0.640 0.635 0.674 0.696 0.715 29 0.333 0.401 0.454 0.489 0.521 0.570 0.615 0.638 0.638 0.667 0.694 0.719 0.774 30 0.334 0.399 0.451 0.506 0.536 0.581 0.618 0.651 0.678 0.694 0.722 0.772 0.840 31 0.329 0.395 0.453 0.508 0.546 0.587 0.613 0.657 0.699 0.726 0.773 0.839 0.905 32 0.322 0.393 0.459 0.514 0.552 0.586 0.615 0.666 0.724 0.778 0.842 0.903 1.004 33 0.328 0.417 0.492 0.549 0.581 0.623 0.655 0.702 0.766 0.828 0.902 1.003 1.112 34 0.336 0.437 0.522 0.576 0.615 0.662 0.700 0.765 0.826 0.906 0.998 1.115 1.258 35 0.342 0.453 0.545 0.608 0.650 0.704 0.761 0.834 0.919 1.006 1.121 1.253 1.393 36 0.344 0.463 0.572 0.642 0.682 0.750 0.792 0.915 0.990 1.107 1.239 1.407 1.526 37 0.343 0.477 0.601 0.679 0.749 0.797 0.911 0.986 1.103 1.244 1.405 1.524 1.681 38 0.356 0.499 0.621 0.711 0.786 0.909 0.993 1.110 1.254 1.420 1.539 1.678 1.860 39 0.371 0.524 0.658 0.759 0.862 0.969 1.102 1.250 1.428 1.537 1.675 1.857 2.082 40 0.388 0.563 0.711 0.845 0.942 1.043 1.203 1.387 1.559 1.692 1.854 2.097 2.340 41 0.416 0.616 0.803 0.937 1.037 1.175 1.298 1.498 1.713 1.851 2.070 2.355 2.662 42 0.453 0.708 0.900 1.047 1.171 1.249 1.390 1.626 1.869 2.043 2.340 2.641 3.055 43 0.538 0.768 0.969 1.162 1.265 1.385 1.548 1.779 2.049 2.312 2.613 3.018 3.660 44 0.621 0.838 1.072 1.275 1.380 1.548 1.714 1.963 2.260 2.553 3.018 3.547 4.115 45 0.717 0.944 1.172 1.388 1.518 1.720 1.915 2.179 2.408 2.817 3.391 4.005 4.595 46 0.856 1.048 1.269 1.524 1.751 1.928 2.151 2.350 2.650 3.132 3.819 4.491 5.149 47 1.002 1.153 1.389 1.665 1.949 2.174 2.353 2.587 2.955 3.499 4.273 5.058 5.623 48 1.031 1.245 1.506 1.820 2.155 2.371 2.608 2.930 3.381 3.957 4.839 5.570 6.105 49 1.070 1.339 1.649 1.999 2.320 2.620 2.950 3.345 3.844 4.505 5.334 6.110 6.469 50 1.104 1.452 1.811 2.131 2.529 2.948 3.364 3.794 4.401 5.050 5.844 6.340 6.879 51 1.146 1.577 1.923 2.305 2.808 3.353 3.812 4.335 4.961 5.502 6.302 6.780 7.383 52 1.182 1.644 2.072 2.527 3.150 3.788 4.354 4.878 5.409 5.935 6.754 7.261 8.023 53 1.212 1.753 2.279 2.832 3.482 4.206 4.782 5.241 5.863 6.399 7.149 7.975 8.336 54 1.263 1.900 2.547 3.153 3.888 4.596 5.049 5.622 6.311 7.005 7.919 8.324 9.279 55 1.340 2.096 2.827 3.556 4.271 4.816 5.373 5.983 6.900 7.839 8.331 9.207 9.899 56 1.457 2.294 3.188 3.943 4.484 5.092 5.603 6.473 7.719 8.352 9.106 9.826 9.992 57 1.568 2.568 3.532 4.164 4.764 5.264 6.039 7.181 8.383 8.963 9.672 9.814 11.451 58 1.933 2.961 3.782 4.537 5.056 5.789 6.636 7.686 8.944 9.568 9.630 11.278 12.473 Age 14 15 16 17 18 19 20 21 22 23 24 25 ULT --- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ 0 0.187 0.201 0.302 0.465 0.550 0.612 0.637 0.644 0.639 0.643 0.644 0.640 0.658 1 0.205 0.298 0.446 0.521 0.618 0.644 0.650 0.645 0.650 0.651 0.646 0.665 0.688 2 0.292 0.443 0.520 0.587 0.650 0.657 0.652 0.657 0.657 0.653 0.671 0.695 0.738 3 0.436 0.523 0.586 0.607 0.664 0.658 0.663 0.664 0.659 0.678 0.702 0.746 0.790 4 0.525 0.579 0.612 0.647 0.665 0.670 0.671 0.666 0.685 0.709 0.753 0.798 0.817 5 0.585 0.615 0.650 0.645 0.677 0.677 0.673 0.692 0.717 0.761 0.806 0.825 0.831 6 0.622 0.653 0.645 0.642 0.643 0.679 0.699 0.724 0.769 0.815 0.833 0.839 0.831 7 0.660 0.644 0.642 0.643 0.638 0.706 0.731 0.776 0.823 0.842 0.848 0.839 0.825 8 0.651 0.642 0.642 0.645 0.685 0.724 0.784 0.831 0.850 0.857 0.848 0.833 0.834 9 0.641 0.642 0.644 0.677 0.716 0.784 0.831 0.859 0.865 0.856 0.842 0.843 0.853 10 0.641 0.650 0.669 0.708 0.776 0.831 0.859 0.865 0.865 0.850 0.851 0.862 0.863 11 0.636 0.662 0.700 0.768 0.831 0.859 0.865 0.865 0.859 0.860 0.870 0.871 0.866 12 0.661 0.693 0.759 0.822 0.859 0.869 0.869 0.850 0.868 0.879 0.880 0.875 0.858 13 0.684 0.751 0.817 0.858 0.874 0.874 0.850 0.868 0.888 0.889 0.884 0.867 0.851 14 0.750 0.813 0.853 0.878 0.870 0.850 0.868 0.879 0.880 0.893 0.876 0.859 0.837 15 0.794 0.849 0.887 0.875 0.850 0.859 0.870 0.862 0.888 0.885 0.868 0.846 0.837 16 0.830 0.882 0.866 0.849 0.850 0.860 0.843 0.874 0.876 0.877 0.854 0.846 0.852 17 0.857 0.859 0.849 0.840 0.850 0.824 0.855 0.876 0.877 0.863 0.854 0.861 0.893 18 0.807 0.832 0.828 0.831 0.813 0.836 0.857 0.877 0.854 0.863 0.869 0.902 0.955 19 0.765 0.788 0.799 0.793 0.807 0.820 0.849 0.854 0.837 0.878 0.911 0.964 1.043 20 0.719 0.746 0.763 0.777 0.791 0.821 0.836 0.837 0.869 0.884 0.974 1.054 1.143 21 0.706 0.731 0.737 0.761 0.802 0.817 0.836 0.860 0.883 0.964 1.064 1.154 1.276 22 0.701 0.710 0.740 0.773 0.798 0.836 0.851 0.873 0.954 1.043 1.166 1.288 1.425 23 0.687 0.698 0.753 0.779 0.817 0.841 0.873 0.944 1.042 1.154 1.301 1.439 1.604 24 0.685 0.710 0.759 0.798 0.831 0.872 0.933 1.042 1.142 1.301 1.439 1.620 1.777 25 0.684 0.725 0.778 0.821 0.871 0.932 1.041 1.142 1.301 1.439 1.604 1.795 1.945 26 0.703 0.744 0.810 0.870 0.931 1.041 1.141 1.301 1.439 1.587 1.795 1.965 2.124 27 0.726 0.784 0.869 0.930 1.040 1.140 1.301 1.439 1.587 1.786 1.965 2.145 2.354 28 0.775 0.843 0.919 1.039 1.139 1.300 1.438 1.586 1.776 1.955 2.145 2.378 2.621 29 0.841 0.903 1.038 1.138 1.299 1.437 1.585 1.775 1.944 2.123 2.354 2.648 2.976 30 0.902 1.005 1.137 1.299 1.436 1.583 1.775 1.943 2.101 2.354 2.648 3.006 3.363 31 1.007 1.121 1.298 1.435 1.582 1.773 1.942 2.099 2.353 2.647 3.006 3.397 3.850 32 1.119 1.284 1.434 1.580 1.753 1.941 2.098 2.352 2.647 3.036 3.414 3.889 4.380 33 1.269 1.419 1.579 1.732 1.919 2.097 2.351 2.646 3.036 3.431 3.925 4.424 4.934 34 1.397 1.552 1.729 1.895 2.095 2.349 2.659 3.051 3.466 3.960 4.451 4.934 5.555 35 1.527 1.705 1.893 2.093 2.347 2.672 3.066 3.491 3.996 4.483 4.984 5.555 6.159 36 1.678 1.857 2.090 2.345 2.670 3.081 3.519 4.033 4.519 5.019 5.554 6.159 6.721 37 1.862 2.071 2.343 2.683 3.096 3.543 4.069 4.560 5.050 5.524 6.190 6.653 7.420 38 2.076 2.337 2.696 3.111 3.572 4.106 4.601 5.085 5.551 6.157 6.652 7.195 8.118 39 2.354 2.696 3.126 3.608 4.144 4.638 5.110 5.590 6.155 6.685 7.192 7.708 8.878 40 2.693 3.119 3.626 4.181 4.676 5.146 5.635 6.185 6.717 7.188 7.704 8.430 9.779 41 3.091 3.659 4.219 4.713 5.182 5.662 6.215 6.750 7.183 7.698 8.424 9.384 10.629 42 3.661 4.258 4.751 5.223 5.701 6.212 6.782 7.178 7.691 8.326 9.279 9.985 11.403 43 4.255 4.795 5.265 5.728 6.208 6.779 7.172 7.683 8.272 9.171 9.869 10.827 12.403 44 4.740 5.305 5.761 6.237 6.774 7.165 7.675 8.215 8.958 9.750 10.588 11.777 13.672 45 5.295 5.790 6.265 6.769 7.157 7.665 8.204 8.740 9.737 10.460 11.642 12.981 15.300 46 5.705 6.296 6.763 7.148 7.654 8.192 8.621 9.500 10.328 11.632 12.973 14.218 16.985 47 6.236 6.715 7.179 7.643 8.130 8.551 9.371 10.312 11.621 12.963 13.737 15.441 18.667 48 6.575 7.103 7.630 8.164 8.584 9.237 10.295 11.607 13.094 13.561 15.250 16.970 20.450 49 6.961 7.550 8.148 8.617 9.273 10.277 11.593 12.939 13.538 15.054 16.951 18.384 22.464 50 7.420 8.055 8.650 9.308 10.257 11.444 12.779 13.514 14.853 16.929 18.361 20.195 24.773 51 8.004 8.439 9.402 10.236 11.291 12.615 13.488 14.824 16.712 18.231 20.170 22.021 27.268 52 8.299 9.186 10.213 11.133 12.446 13.460 14.794 16.488 18.095 19.910 21.737 24.238 29.646 53 9.250 9.894 10.971 12.272 13.430 14.761 16.456 18.063 19.644 21.446 23.926 26.951 32.674 54 9.894 10.608 12.094 13.399 14.726 16.422 18.028 19.606 21.405 23.606 27.223 30.364 35.888 55 10.167 11.822 13.365 14.689 16.386 17.772 19.565 21.361 23.560 27.192 30.337 32.988 39.560 56 11.639 13.062 14.743 16.347 17.730 19.522 21.182 23.512 27.158 30.307 32.955 36.363 43.633 57 12.687 14.501 16.099 17.685 19.476 21.130 23.460 27.121 30.273 32.918 36.326 40.988 47.434 58 14.084 15.732 17.637 19.181 21.075 23.404 26.765 30.235 32.877 36.693 41.180 46.476 52.020
98D Male Dur
Age 1 2 3 4 5 6 7 8 9 10 11 12 13 --- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- 59 2.315 3.198 4.132 4.825 5.652 6.393 7.265 8.290 9.119 9.540 11.262 12.081 13.657 60 2.627 3.552 4.392 5.422 6.181 7.048 7.867 8.607 9.042 10.050 11.790 13.221 15.010 61 2.915 3.818 4.965 5.954 6.912 7.666 8.322 8.667 9.635 10.466 12.260 14.740 16.900 62 3.200 4.409 5.470 6.693 7.577 8.166 8.486 9.610 10.422 11.925 14.463 16.609 18.314 63 3.459 4.681 6.031 7.261 8.023 8.513 9.744 10.451 11.688 13.750 16.544 17.992 19.643 64 3.675 5.131 6.501 7.633 8.153 9.611 10.478 11.603 13.592 16.241 17.662 19.282 22.230 65 3.903 5.475 6.839 7.656 9.044 10.574 11.424 13.422 16.092 17.323 18.913 21.839 24.415 66 4.088 5.751 6.802 8.188 9.761 11.233 13.240 15.930 17.149 18.533 21.128 23.986 26.541 67 4.270 5.686 7.098 8.636 10.721 13.228 15.910 16.961 18.795 20.714 23.205 25.692 29.961 68 4.528 6.033 7.604 9.429 11.540 14.004 16.668 19.056 20.175 22.405 24.823 30.059 34.812 69 4.954 6.580 8.340 10.233 12.378 14.848 17.489 19.925 22.612 23.934 30.179 34.262 41.349 70 5.408 7.176 9.076 11.070 13.305 15.784 18.268 20.731 23.719 26.698 32.893 38.784 47.568 71 6.016 7.890 9.909 12.005 14.352 16.723 18.985 21.578 24.730 28.213 35.868 45.865 55.131 72 6.695 8.752 10.849 14.484 16.666 17.654 21.393 23.896 25.804 29.777 38.935 54.825 60.811 73 7.058 10.637 14.454 16.297 17.541 21.006 23.497 25.383 29.508 35.100 50.807 58.158 65.512 74 7.749 11.733 15.905 17.510 20.174 23.072 24.924 29.053 35.816 48.876 55.445 63.328 69.236 75 8.546 12.912 17.468 19.728 22.158 24.435 28.568 36.547 48.003 53.339 61.093 67.630 75.421 76 9.405 14.180 19.253 21.668 24.425 28.051 36.695 46.439 51.706 58.806 65.208 73.699 81.077 77 10.331 15.631 21.150 23.885 27.501 35.634 44.141 49.984 57.043 63.514 71.934 81.006 88.372 78 11.390 17.171 23.314 26.917 35.740 42.392 47.462 54.427 62.410 70.126 80.026 87.832 96.073 79 12.508 18.925 25.714 32.714 39.200 45.539 52.452 60.418 68.970 78.110 86.791 96.022 99.553 80 13.789 20.874 28.234 35.876 42.776 50.374 58.318 67.739 76.923 85.719 95.960 99.466 107.683 81 15.205 22.924 30.963 39.149 47.387 56.108 66.428 75.656 85.481 94.845 99.366 107.601 116.458 82 16.697 25.140 33.792 45.656 54.651 65.036 73.340 83.675 94.653 99.255 108.688 116.383 126.598 83 18.314 31.070 40.397 52.581 62.624 71.883 82.796 94.415 99.004 108.593 116.294 127.207 136.487 84 24.268 37.796 47.525 60.176 70.335 81.317 93.019 98.702 108.374 116.192 127.140 137.866 147.902 85 31.095 45.103 55.400 68.469 79.744 90.398 99.532 110.585 118.563 127.058 139.258 149.356 164.683 86 38.623 53.205 64.061 77.491 88.784 99.145 111.574 119.653 128.257 139.932 150.825 166.347 177.860 87 47.045 62.153 73.539 87.258 98.701 111.264 120.739 130.163 142.041 152.302 168.027 179.657 192.532 88 56.405 71.973 83.858 98.014 110.894 123.203 132.093 144.939 155.369 169.724 181.471 194.477 208.893 89 66.754 82.698 95.262 109.852 122.892 133.308 147.897 158.497 173.188 183.304 196.441 211.003 227.694 90 78.122 94.572 107.856 122.856 136.029 150.121 161.689 176.723 187.045 198.425 213.134 229.994 249.329 91 90.764 107.709 121.738 137.150 152.375 164.939 180.329 190.863 202.475 215.287 232.317 251.848 274.259 92 104.789 122.214 137.040 153.201 168.164 184.009 194.758 206.607 219.681 234.663 254.391 277.029 303.059 93 120.323 138.223 154.241 171.256 187.765 198.732 210.823 224.164 239.452 256.961 279.827 306.120 336.395 94 137.525 156.240 173.632 191.597 202.788 215.126 228.739 244.339 262.205 282.654 309.212 339.793 376.760 95 156.912 176.557 195.507 206.927 219.516 233.407 249.326 267.556 288.422 312.335 343.225 380.566 425.739 96 178.808 199.497 211.150 223.996 238.170 254.414 273.017 294.308 318.709 346.692 384.410 430.040 485.345 97 203.568 215.459 228.568 243.031 259.606 278.588 300.315 325.214 353.768 388.293 434.384 490.248 558.141 98 219.856 233.232 247.991 264.904 284.274 306.444 331.851 360.987 396.217 438.771 495.200 563.779 647.181 99 237.992 253.052 270.310 290.075 312.698 338.623 368.355 404.303 447.726 500.202 569.474 653.718 0.000 Age 14 15 16 17 18 19 20 21 22 23 24 25 ULT --- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- 59 15.272 17.235 18.878 21.017 23.345 26.718 29.846 32.831 36.652 41.371 46.703 52.020 56.769 60 17.183 18.687 20.818 23.282 26.345 29.447 32.782 36.606 41.562 46.931 52.546 56.769 61.815 61 18.379 20.608 23.216 25.962 29.390 32.728 36.556 41.752 47.158 53.076 57.285 61.815 66.765 62 19.994 22.981 25.732 29.329 32.670 36.501 41.942 47.385 53.342 57.805 62.377 67.372 71.939 63 22.611 25.569 28.903 32.607 36.441 42.132 47.612 53.607 58.330 62.943 68.052 72.593 77.334 64 24.833 28.542 32.539 36.376 42.321 47.838 53.872 58.859 63.515 68.671 73.326 78.037 82.939 65 27.370 32.143 36.525 42.509 48.064 54.137 59.394 64.091 69.295 73.992 78.825 83.693 88.743 66 31.265 36.306 42.698 48.290 54.402 59.933 64.673 69.925 74.665 79.621 84.539 89.460 94.956 67 35.347 42.456 48.516 54.667 60.477 65.260 70.560 75.343 80.345 85.307 90.364 95.820 101.607 68 41.911 48.741 54.932 61.025 65.852 71.201 76.028 81.075 86.169 91.185 96.691 102.633 108.717 69 48.163 55.196 61.579 66.450 71.848 76.719 81.812 86.952 92.106 97.667 103.566 109.815 116.327 70 55.167 62.137 67.052 72.501 77.416 82.555 87.830 92.943 98.555 104.612 110.814 117.502 124.761 71 61.484 67.661 73.159 78.119 83.306 88.628 93.882 99.550 105.563 111.821 118.452 126.021 134.120 72 66.949 73.824 78.829 84.062 89.434 94.831 100.455 106.629 112.950 119.528 127.039 135.475 144.513 73 70.803 78.741 83.800 88.975 95.211 100.859 106.843 112.033 120.372 127.294 133.311 145.973 156.076 74 77.102 82.919 88.957 95.687 100.848 106.832 112.010 121.344 128.580 134.541 147.447 157.653 168.951 75 82.012 88.929 96.163 100.828 106.810 113.142 121.704 129.879 135.777 148.937 159.245 170.657 183.308 76 88.892 96.144 100.796 106.777 113.106 122.934 129.865 137.024 150.441 160.854 172.381 185.159 199.806 77 96.114 100.754 106.732 114.249 123.545 131.177 138.283 151.961 162.478 174.122 187.030 201.824 218.791 78 100.700 106.675 114.201 123.520 131.150 139.558 153.496 164.119 175.881 188.919 203.863 221.002 240.668 79 107.753 115.354 124.767 132.475 140.840 155.046 165.777 177.658 190.827 205.922 223.234 243.099 265.940 80 115.293 125.378 133.813 142.230 156.612 167.452 179.452 192.755 208.002 225.489 245.554 268.627 295.194 81 125.988 135.165 143.629 158.194 169.143 181.265 194.702 210.103 227.766 248.035 271.340 298.176 330.615 82 135.826 145.041 159.792 170.852 183.096 196.668 212.225 230.067 250.540 274.081 301.188 333.955 373.595 83 146.462 161.406 172.578 184.945 198.655 214.369 232.391 253.071 276.849 304.230 337.328 377.369 425.901 84 163.037 174.321 186.813 200.662 216.534 234.738 255.627 279.646 307.303 340.735 381.181 430.203 489.781 85 176.082 188.700 202.688 218.722 237.109 258.209 282.470 310.407 344.177 385.031 434.548 494.728 567.915 86 190.607 204.736 220.931 239.505 260.817 285.324 313.542 347.654 388.920 438.938 499.725 573.652 0.000 87 206.804 223.162 241.924 263.452 288.206 316.709 351.165 392.849 443.371 504.773 579.446 0.000 0.000 88 225.417 244.367 266.113 291.117 319.909 354.712 396.817 447.850 509.872 585.299 0.000 0.000 0.000 89 246.836 268.801 294.057 323.140 358.295 400.825 452.374 515.022 591.211 0.000 0.000 0.000 0.000 90 271.516 297.028 326.404 361.914 404.874 456.943 520.224 597.183 0.000 0.000 0.000 0.000 0.000 91 300.028 329.701 365.570 408.964 461.559 525.479 603.215 0.000 0.000 0.000 0.000 0.000 0.000 92 333.031 369.263 413.095 466.221 530.787 609.308 0.000 0.000 0.000 0.000 0.000 0.000 0.000 93 372.993 417.267 470.930 536.148 615.463 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 94 421.482 475.687 541.564 621.680 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 95 480.492 547.034 627.959 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 96 552.560 634.302 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 97 640.709 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 98 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 99 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
98D Female
Dur Age 1 2 3 4 5 6 7 8 9 10 11 12 13 --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- 0 0.528 0.329 0.192 0.113 0.089 0.094 0.099 0.097 0.095 0.100 0.099 0.105 0.129 1 0.176 0.118 0.092 0.083 0.081 0.080 0.099 0.097 0.102 0.100 0.092 0.124 0.136 2 0.120 0.090 0.077 0.075 0.081 0.101 0.099 0.101 0.102 0.093 0.125 0.131 0.129 3 0.064 0.063 0.069 0.083 0.103 0.101 0.106 0.104 0.095 0.120 0.125 0.124 0.136 4 0.064 0.071 0.077 0.098 0.103 0.108 0.099 0.097 0.116 0.120 0.125 0.131 0.194 5 0.072 0.078 0.092 0.090 0.096 0.094 0.092 0.111 0.123 0.120 0.132 0.190 0.227 6 0.080 0.086 0.077 0.083 0.089 0.087 0.106 0.125 0.123 0.133 0.192 0.229 0.252 7 0.080 0.078 0.077 0.090 0.089 0.101 0.120 0.125 0.136 0.193 0.231 0.248 0.265 8 0.080 0.078 0.085 0.090 0.096 0.123 0.120 0.132 0.197 0.233 0.251 0.255 0.265 9 0.080 0.086 0.092 0.098 0.125 0.123 0.135 0.194 0.238 0.253 0.251 0.268 0.291 10 0.088 0.094 0.100 0.128 0.125 0.137 0.198 0.236 0.252 0.253 0.271 0.288 0.285 11 0.096 0.102 0.131 0.128 0.133 0.202 0.241 0.257 0.259 0.273 0.284 0.288 0.311 12 0.096 0.133 0.123 0.136 0.207 0.246 0.262 0.264 0.279 0.287 0.284 0.307 0.304 13 0.112 0.125 0.131 0.211 0.251 0.260 0.262 0.285 0.286 0.287 0.304 0.301 0.311 14 0.128 0.133 0.207 0.256 0.266 0.260 0.291 0.292 0.286 0.300 0.304 0.307 0.324 15 0.133 0.215 0.258 0.269 0.268 0.297 0.299 0.287 0.288 0.290 0.302 0.329 0.363 16 0.215 0.261 0.271 0.270 0.295 0.289 0.285 0.290 0.289 0.298 0.324 0.350 0.365 17 0.264 0.267 0.269 0.290 0.286 0.282 0.291 0.292 0.299 0.320 0.341 0.354 0.329 18 0.268 0.267 0.282 0.283 0.263 0.264 0.275 0.293 0.319 0.336 0.347 0.328 0.323 19 0.265 0.280 0.287 0.263 0.248 0.251 0.273 0.307 0.337 0.341 0.327 0.314 0.333 20 0.255 0.274 0.259 0.246 0.238 0.250 0.282 0.318 0.344 0.327 0.315 0.318 0.344 21 0.233 0.237 0.234 0.234 0.239 0.260 0.288 0.318 0.323 0.313 0.320 0.332 0.355 22 0.184 0.204 0.215 0.233 0.251 0.283 0.302 0.292 0.306 0.323 0.335 0.355 0.366 23 0.164 0.188 0.214 0.251 0.278 0.293 0.291 0.294 0.314 0.334 0.353 0.365 0.383 24 0.149 0.180 0.223 0.267 0.297 0.294 0.292 0.308 0.331 0.354 0.367 0.383 0.404 25 0.139 0.179 0.230 0.275 0.291 0.290 0.308 0.330 0.350 0.368 0.386 0.403 0.430 26 0.135 0.176 0.228 0.259 0.290 0.313 0.334 0.355 0.372 0.385 0.403 0.424 0.460 27 0.128 0.165 0.207 0.248 0.299 0.338 0.362 0.377 0.389 0.400 0.427 0.462 0.487 28 0.141 0.165 0.204 0.248 0.304 0.347 0.371 0.395 0.406 0.431 0.462 0.487 0.526 29 0.141 0.167 0.209 0.256 0.310 0.351 0.384 0.411 0.435 0.466 0.492 0.530 0.575 30 0.144 0.175 0.220 0.264 0.312 0.359 0.395 0.435 0.468 0.496 0.535 0.579 0.641 31 0.151 0.189 0.232 0.269 0.317 0.364 0.413 0.462 0.497 0.540 0.578 0.646 0.715 32 0.164 0.204 0.241 0.276 0.320 0.375 0.433 0.485 0.538 0.577 0.653 0.718 0.793 33 0.169 0.213 0.259 0.300 0.351 0.406 0.454 0.516 0.586 0.658 0.718 0.797 0.879 34 0.173 0.225 0.276 0.330 0.387 0.434 0.487 0.562 0.645 0.719 0.800 0.880 0.979 35 0.178 0.235 0.298 0.364 0.419 0.472 0.535 0.621 0.712 0.786 0.875 0.977 1.084 36 0.182 0.251 0.324 0.395 0.463 0.527 0.595 0.687 0.785 0.863 0.967 1.079 1.200 37 0.189 0.268 0.347 0.437 0.524 0.595 0.663 0.759 0.869 0.957 1.063 1.190 1.325 38 0.197 0.279 0.369 0.477 0.577 0.657 0.728 0.830 0.955 1.058 1.189 1.322 1.459 39 0.201 0.297 0.404 0.527 0.637 0.724 0.803 0.917 1.043 1.168 1.326 1.460 1.613 40 0.210 0.325 0.448 0.584 0.703 0.802 0.895 1.007 1.138 1.287 1.471 1.625 1.800 41 0.226 0.359 0.497 0.646 0.779 0.898 0.991 1.105 1.238 1.411 1.638 1.815 2.005 42 0.245 0.398 0.551 0.718 0.872 1.000 1.098 1.209 1.340 1.552 1.768 2.018 2.178 43 0.273 0.445 0.620 0.811 0.970 1.101 1.201 1.323 1.482 1.724 2.024 2.194 2.367 44 0.305 0.500 0.704 0.910 1.079 1.210 1.308 1.453 1.655 1.911 2.184 2.371 2.540 45 0.341 0.567 0.795 1.021 1.198 1.322 1.429 1.611 1.844 2.080 2.355 2.562 2.736 46 0.386 0.639 0.896 1.143 1.323 1.451 1.577 1.783 2.018 2.264 2.539 2.749 3.068 47 0.434 0.720 1.008 1.272 1.466 1.607 1.736 1.938 2.209 2.462 2.774 3.088 3.342 48 0.484 0.777 1.065 1.338 1.563 1.728 1.855 2.078 2.362 2.665 3.017 3.342 3.601 49 0.538 0.834 1.127 1.419 1.659 1.823 1.984 2.227 2.560 2.896 3.251 3.584 3.799 50 0.596 0.898 1.203 1.497 1.727 1.924 2.120 2.418 2.783 3.116 3.473 3.820 4.032 51 0.662 0.975 1.278 1.547 1.797 2.027 2.296 2.633 2.995 3.325 3.686 4.059 4.296 52 0.742 1.056 1.331 1.600 1.866 2.164 2.490 2.836 3.198 3.526 3.899 4.212 4.601 53 0.765 1.095 1.412 1.712 2.050 2.411 2.768 3.147 3.523 3.857 4.142 4.601 5.069 54 0.771 1.144 1.495 1.857 2.254 2.655 3.059 3.473 3.868 4.115 4.524 5.016 5.566 55 0.786 1.190 1.604 2.009 2.447 2.909 3.365 3.822 4.141 4.517 4.930 5.450 6.097 56 0.794 1.255 1.713 2.143 2.644 3.174 3.689 4.095 4.560 4.946 5.354 5.909 6.765 57 0.812 1.305 1.795 2.278 2.850 3.454 3.933 4.518 5.010 5.397 5.803 6.490 7.653 58 0.828 1.406 2.000 2.567 3.163 3.654 4.224 4.783 5.282 5.687 6.229 7.093 8.256 Age 14 15 16 17 18 19 20 21 22 23 24 25 ULT --- ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ ------ 0 0.147 0.152 0.163 0.194 0.223 0.250 0.277 0.306 0.328 0.314 0.302 0.297 0.305 1 0.135 0.146 0.196 0.225 0.252 0.280 0.309 0.331 0.317 0.305 0.300 0.309 0.332 2 0.141 0.190 0.227 0.255 0.283 0.312 0.335 0.320 0.308 0.303 0.312 0.336 0.358 3 0.192 0.222 0.257 0.286 0.316 0.338 0.323 0.312 0.306 0.315 0.339 0.362 0.373 4 0.224 0.254 0.289 0.319 0.341 0.327 0.315 0.309 0.318 0.342 0.365 0.377 0.356 5 0.250 0.260 0.322 0.345 0.330 0.318 0.312 0.321 0.346 0.369 0.380 0.360 0.346 6 0.263 0.279 0.348 0.333 0.321 0.315 0.324 0.349 0.373 0.384 0.364 0.349 0.348 7 0.269 0.292 0.337 0.324 0.319 0.328 0.353 0.376 0.388 0.367 0.353 0.351 0.360 8 0.288 0.292 0.328 0.322 0.331 0.356 0.380 0.392 0.371 0.356 0.355 0.364 0.373 9 0.288 0.317 0.325 0.334 0.360 0.384 0.396 0.375 0.360 0.358 0.367 0.377 0.383 10 0.314 0.304 0.338 0.364 0.388 0.400 0.379 0.363 0.362 0.371 0.381 0.387 0.396 11 0.301 0.317 0.367 0.392 0.404 0.382 0.367 0.366 0.375 0.384 0.391 0.400 0.410 12 0.314 0.343 0.396 0.408 0.386 0.371 0.369 0.379 0.388 0.395 0.404 0.414 0.428 13 0.333 0.362 0.412 0.390 0.375 0.373 0.382 0.392 0.399 0.408 0.418 0.433 0.449 14 0.359 0.387 0.394 0.378 0.377 0.386 0.396 0.403 0.412 0.423 0.437 0.453 0.465 15 0.391 0.366 0.382 0.381 0.390 0.400 0.407 0.416 0.427 0.441 0.458 0.469 0.486 16 0.350 0.355 0.384 0.394 0.404 0.411 0.420 0.431 0.446 0.463 0.474 0.491 0.527 17 0.328 0.363 0.398 0.408 0.415 0.424 0.436 0.450 0.467 0.479 0.496 0.533 0.579 18 0.356 0.368 0.413 0.419 0.429 0.440 0.455 0.472 0.484 0.501 0.538 0.585 0.637 19 0.363 0.373 0.423 0.433 0.444 0.459 0.477 0.489 0.506 0.543 0.591 0.643 0.700 20 0.370 0.374 0.437 0.449 0.464 0.482 0.494 0.511 0.549 0.597 0.650 0.707 0.772 21 0.373 0.385 0.404 0.464 0.482 0.499 0.516 0.554 0.603 0.656 0.714 0.780 0.861 22 0.382 0.403 0.422 0.448 0.479 0.522 0.560 0.609 0.663 0.721 0.788 0.870 0.955 23 0.401 0.425 0.452 0.479 0.522 0.566 0.615 0.669 0.728 0.796 0.879 0.965 1.058 24 0.428 0.457 0.478 0.521 0.564 0.621 0.676 0.736 0.804 0.887 0.974 1.069 1.170 25 0.458 0.481 0.521 0.568 0.621 0.676 0.743 0.812 0.896 0.984 1.080 1.182 1.287 26 0.485 0.518 0.573 0.627 0.683 0.749 0.820 0.905 0.994 1.091 1.194 1.300 1.421 27 0.523 0.578 0.634 0.690 0.757 0.827 0.915 1.004 1.102 1.206 1.313 1.435 1.584 28 0.573 0.637 0.697 0.764 0.836 0.922 1.014 1.113 1.218 1.326 1.449 1.600 1.762 29 0.635 0.703 0.772 0.844 0.931 1.023 1.124 1.230 1.340 1.464 1.616 1.779 1.925 30 0.710 0.780 0.853 0.940 1.032 1.134 1.243 1.353 1.479 1.632 1.797 1.945 2.086 31 0.787 0.861 0.950 1.042 1.145 1.252 1.367 1.494 1.649 1.816 1.964 2.107 2.263 32 0.870 0.959 1.053 1.156 1.264 1.378 1.509 1.665 1.834 1.984 2.129 2.286 2.486 33 0.969 1.063 1.167 1.276 1.391 1.523 1.681 1.852 2.004 2.150 2.309 2.511 2.769 34 1.074 1.178 1.290 1.404 1.537 1.698 1.869 2.024 2.172 2.332 2.536 2.797 3.079 35 1.189 1.300 1.418 1.552 1.716 1.888 2.039 2.189 2.356 2.562 2.825 3.110 3.402 36 1.312 1.431 1.567 1.732 1.907 2.058 2.212 2.368 2.588 2.854 3.141 3.436 3.675 37 1.445 1.582 1.749 1.926 2.078 2.233 2.389 2.606 2.883 3.173 3.471 3.713 3.957 38 1.597 1.766 1.946 2.098 2.255 2.411 2.622 2.897 3.192 3.471 3.713 3.957 4.280 39 1.783 1.966 2.118 2.278 2.433 2.640 2.912 3.221 3.401 3.675 3.997 4.280 4.653 40 1.985 2.138 2.301 2.453 2.662 2.929 3.237 3.435 3.674 3.917 4.236 4.606 5.047 41 2.159 2.324 2.470 2.686 2.956 3.237 3.434 3.673 3.915 4.214 4.653 4.971 5.457 42 2.347 2.495 2.708 2.977 3.236 3.469 3.710 3.934 4.234 4.676 4.996 5.348 5.888 43 2.520 2.729 3.001 3.252 3.504 3.709 3.953 4.255 4.699 5.021 5.375 5.829 6.437 44 2.712 3.025 3.268 3.502 3.746 3.972 4.275 4.722 5.046 5.401 5.888 6.372 7.103 45 3.046 3.292 3.500 3.744 3.991 4.296 4.746 5.070 5.456 5.918 6.404 7.103 7.851 46 3.317 3.532 3.782 4.010 4.316 4.769 5.095 5.482 5.947 6.436 7.175 7.851 8.743 47 3.567 3.800 4.029 4.336 4.792 5.120 5.509 6.007 6.501 7.247 7.930 8.743 9.730 48 3.798 4.029 4.357 4.790 5.144 5.565 6.037 6.533 7.321 8.010 8.831 9.798 10.687 49 4.035 4.384 4.788 5.169 5.621 6.098 6.599 7.357 8.091 8.893 9.897 10.687 11.728 50 4.353 4.795 5.193 5.648 6.128 6.632 7.401 8.173 8.983 9.987 10.762 11.609 12.840 51 4.721 5.233 5.675 6.158 6.699 7.468 8.255 9.056 10.078 10.838 11.702 12.580 14.083 52 5.109 5.693 6.188 6.766 7.544 8.339 9.147 10.170 10.936 11.760 12.707 13.799 15.476 53 5.639 6.216 6.814 7.620 8.423 9.240 10.262 11.036 11.842 12.836 13.938 14.772 17.350 54 6.207 6.876 7.697 8.508 9.286 10.355 11.124 11.925 12.939 14.079 14.842 16.298 19.776 55 6.920 7.754 8.594 9.379 10.449 11.237 12.033 13.029 14.148 14.833 16.286 18.378 22.792 56 7.693 8.669 9.474 10.544 11.350 12.142 13.092 14.217 14.983 16.272 18.362 20.950 26.194 57 8.503 9.570 10.651 11.441 12.201 13.197 14.286 15.053 16.255 18.343 20.929 25.665 29.971 58 9.628 10.719 11.522 12.324 13.289 14.354 15.122 16.237 18.323 21.023 25.657 27.549 33.782
98D Female
Dur Age 1 2 3 4 5 6 7 8 9 10 11 12 13 --- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- 59 0.840 1.524 2.229 2.881 3.389 3.995 4.527 5.045 5.553 6.066 6.815 7.684 8.970 60 0.848 1.659 2.477 3.105 3.765 4.358 4.834 5.307 5.910 6.595 7.391 8.384 9.732 61 0.870 1.803 2.621 3.480 4.170 4.739 5.151 5.652 6.409 7.105 8.074 9.137 10.415 62 0.889 1.825 2.906 3.889 4.602 5.142 5.559 6.133 6.886 7.707 8.809 9.824 11.127 63 0.914 2.025 3.131 4.087 4.762 5.357 5.937 6.534 7.391 8.269 9.384 10.553 11.945 64 1.065 2.241 3.362 4.283 4.982 5.678 6.275 7.004 7.915 8.745 9.977 11.304 12.841 65 1.234 2.471 3.603 4.544 5.305 5.950 6.669 7.490 8.354 9.226 10.572 12.126 13.824 66 1.418 2.718 3.912 4.911 5.588 6.265 7.066 7.894 8.794 9.696 11.211 13.025 15.177 67 1.621 3.027 4.330 5.257 5.917 6.814 7.735 8.297 9.219 10.190 11.895 14.266 17.578 68 1.939 3.526 4.915 6.027 6.796 7.620 8.415 9.102 10.241 11.708 14.348 17.561 21.558 69 2.348 4.064 5.618 6.900 7.697 8.586 9.048 10.005 11.395 13.698 17.508 21.739 25.397 70 2.599 3.983 6.055 6.943 7.771 8.665 9.666 10.976 13.099 16.491 20.671 24.725 28.928 71 2.919 4.298 6.362 7.152 8.508 9.504 10.814 12.497 15.405 19.541 23.756 28.289 32.684 72 3.358 4.869 6.743 7.745 9.350 10.641 12.232 14.994 18.793 22.458 27.530 32.275 36.046 73 3.779 5.424 7.209 8.496 10.355 11.929 14.807 17.699 21.660 26.048 31.108 35.768 39.828 74 4.254 6.026 7.812 9.438 11.722 14.101 17.065 20.821 24.855 29.360 34.355 39.107 43.755 75 4.684 6.610 8.793 10.696 13.361 16.397 19.775 23.970 28.056 32.342 37.612 43.017 48.405 76 5.178 7.370 10.093 12.323 15.399 18.678 22.738 27.059 31.129 35.367 41.458 47.279 56.386 77 5.733 8.550 11.638 14.505 18.038 21.523 25.630 30.171 34.433 39.078 46.010 54.969 66.499 78 6.489 9.828 13.567 16.670 20.717 24.518 28.326 33.794 37.954 43.533 52.848 64.766 78.315 79 7.466 11.327 15.592 19.272 23.746 27.483 31.441 37.584 42.621 50.679 62.051 76.196 89.563 80 8.621 13.090 17.922 21.946 26.303 30.271 35.017 41.653 49.645 58.879 73.476 88.388 99.048 81 9.926 15.102 20.566 24.274 29.041 33.576 39.065 47.140 58.143 69.579 84.029 96.598 104.722 82 11.399 17.255 22.907 26.670 32.062 37.630 44.154 56.033 69.106 80.634 94.089 102.132 107.733 83 12.944 19.521 25.290 29.586 36.446 42.586 55.495 65.850 79.184 91.696 101.690 108.573 120.988 84 15.202 21.509 27.840 33.869 42.984 54.912 66.948 80.336 92.921 102.370 109.406 122.024 135.962 85 18.891 24.288 31.849 39.666 54.474 67.821 81.727 94.402 103.915 110.244 123.068 137.235 152.859 86 24.207 30.425 38.919 51.816 68.713 82.912 96.104 105.674 112.080 124.121 138.520 154.403 165.085 87 29.635 38.124 50.777 69.602 84.123 97.620 107.646 114.090 126.362 139.817 155.963 166.752 178.708 88 37.281 49.859 68.565 85.336 99.158 109.466 116.270 128.743 142.506 157.538 168.437 180.513 193.897 89 47.460 69.822 84.670 100.718 111.316 118.354 131.255 145.308 160.753 170.138 182.336 195.856 211.346 90 67.775 86.261 100.557 113.195 120.474 133.727 148.227 164.034 173.610 184.178 197.834 213.480 231.421 91 84.624 102.485 113.633 122.647 136.260 151.141 167.382 177.153 187.937 199.833 215.637 233.759 254.565 92 101.438 115.850 123.703 138.826 154.112 170.798 180.769 191.772 203.911 217.815 236.120 257.136 281.294 93 115.566 126.138 140.625 157.142 174.283 184.458 195.686 208.072 222.260 238.505 259.734 284.135 312.236 94 126.688 143.431 159.793 177.840 188.222 199.680 212.319 226.796 243.373 262.357 287.005 315.390 349.701 95 144.907 163.020 181.470 192.063 203.755 216.652 231.425 248.339 267.711 289.904 318.575 353.234 395.160 96 165.575 185.173 195.983 207.913 221.073 236.148 253.408 273.175 295.821 321.793 356.802 399.151 450.481 97 188.952 199.983 212.156 225.585 240.967 258.579 278.750 301.858 328.361 360.406 403.183 455.032 518.054 98 204.064 216.486 230.189 245.885 263.856 284.439 308.018 335.062 367.761 407.256 459.628 523.287 647.181 99 220.904 234.886 250.903 269.241 290.243 314.304 341.900 375.266 415.567 464.271 528.573 653.718 0.000 Age 14 15 16 17 18 19 20 21 22 23 24 25 ULT --- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- ------- 59 10.452 11.612 12.449 13.352 14.469 15.192 16.401 18.300 21.117 25.376 27.736 31.393 37.213 60 11.193 12.564 13.487 14.569 15.262 16.381 18.275 21.330 25.360 27.892 31.607 35.334 40.639 61 11.967 13.561 14.638 15.247 16.546 18.141 21.425 25.341 28.080 31.856 35.691 38.587 44.543 62 12.755 14.661 15.401 16.713 18.217 21.519 25.040 28.301 32.002 35.860 38.976 42.743 50.090 63 13.612 15.556 16.690 18.293 21.613 25.012 28.491 32.148 36.028 39.161 42.720 47.813 57.535 64 14.542 16.820 18.368 21.706 25.123 28.618 32.293 36.196 39.345 43.152 48.040 55.152 67.384 65 15.837 18.465 21.800 25.233 28.907 32.620 36.364 39.742 43.356 48.526 55.651 64.661 78.992 66 17.520 21.893 25.343 29.134 32.949 36.532 39.712 43.559 48.859 56.153 65.245 75.800 90.338 67 21.599 25.453 29.329 33.097 36.699 40.113 43.999 49.248 56.601 65.766 76.404 87.600 99.904 68 25.415 29.457 33.431 36.663 40.298 44.205 49.479 56.870 66.290 77.095 88.024 96.877 105.627 69 29.417 33.580 37.033 40.483 44.410 49.979 57.445 66.605 77.709 88.448 96.836 102.426 108.031 70 33.272 36.991 40.532 44.371 49.941 57.531 67.063 78.079 88.871 97.814 103.138 105.631 115.805 71 36.861 40.624 44.524 50.336 57.863 67.451 78.784 89.294 98.386 103.962 105.816 114.752 124.488 72 40.438 44.625 50.124 58.258 67.767 79.240 90.196 98.750 104.682 106.439 115.557 124.865 134.137 73 44.473 50.183 58.529 68.157 79.356 90.138 99.216 105.295 107.514 116.008 125.873 135.492 144.865 74 49.447 58.477 68.398 79.812 91.048 100.219 105.910 108.146 116.818 127.016 136.861 146.329 156.820 75 57.770 68.863 79.919 91.770 101.231 106.526 108.894 117.450 128.169 138.243 147.807 158.404 170.149 76 68.267 80.285 92.297 101.707 107.259 109.878 118.206 129.398 139.640 149.300 160.004 171.868 185.460 77 79.314 92.019 102.182 107.764 110.286 118.903 130.639 141.050 150.808 161.620 173.604 187.334 203.077 78 90.706 102.098 108.386 110.927 119.476 131.358 142.475 152.331 163.253 175.357 189.226 205.128 223.386 79 100.312 108.537 110.494 119.796 131.875 143.914 153.870 164.902 177.129 191.137 207.200 225.642 246.841 80 106.415 110.766 119.981 132.349 145.368 155.424 166.567 178.918 193.068 209.293 227.922 249.334 273.993 81 108.472 120.288 132.213 146.836 156.994 168.250 180.725 195.018 211.407 230.224 251.853 276.761 306.870 82 119.961 133.451 148.319 158.580 169.949 182.551 196.988 213.543 232.549 254.397 279.557 309.970 346.761 83 134.701 149.817 160.181 171.666 184.395 198.978 215.700 234.898 256.967 282.380 313.101 350.264 395.307 84 151.331 161.799 173.400 186.257 200.988 217.879 237.271 259.562 285.233 316.264 353.802 399.300 454.604 85 163.434 175.152 188.138 203.018 220.079 239.668 262.184 288.114 319.458 357.376 403.333 459.196 567.915 86 176.921 190.039 205.068 222.302 242.089 264.832 291.024 322.685 360.985 407.407 463.834 573.652 0.000 87 191.958 207.140 224.548 244.534 267.507 293.964 325.945 364.632 411.523 468.519 579.446 0.000 0.000 88 209.232 226.816 247.004 270.210 296.933 329.237 368.315 415.679 473.252 585.299 0.000 0.000 0.000 89 229.107 249.499 272.939 299.932 332.563 372.035 419.878 478.032 591.211 0.000 0.000 0.000 0.000 90 252.019 275.696 302.962 335.922 375.793 424.119 482.860 597.183 0.000 0.000 0.000 0.000 0.000 91 278.481 306.022 339.315 379.589 428.403 487.738 603.215 0.000 0.000 0.000 0.000 0.000 0.000 92 309.113 342.742 383.423 432.731 492.665 609.308 0.000 0.000 0.000 0.000 0.000 0.000 0.000 93 346.204 387.296 437.102 497.641 615.463 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 94 391.208 441.517 502.668 621.680 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 95 445.977 507.745 627.959 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 96 512.874 634.302 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 97 640.709 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 98 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 99 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000 0.000
This Amendment is made as of January 1, 2001 between GE Life and Annuity Assurance Company (hereinafter referred to as "the Company") and Life Reassurance Corporation of America, now known as Swiss Re Life & Health America Inc. (hereinafter referred to as "the Reinsurer") and is applicable to the following Agreements: 5690-1, Automatic YRT Agreement, Effective February 1, 1992 6183-1, Automatic YRT Agreement, Effective October 1, 1994 6274-1, Automatic YRT Agreement, Effective March 1, 1996 6471-1, Automatic YRT Agreement, Effective September 1, 1996 6731-1, Automatic YRT Agreement, Effective October 1, 1999 It is hereby agreed that effective January 1, 2001, the Automatic Binding Limits for the reinsurance pool shall be thirty times the Company's retention, not to exceed the maximums listed below: Ages All Ratings ----- ----------- 0-75 $30,000,000 76-89 $ 3,000,000 All other terms and conditions in the Agreements remain unaltered. Made in duplicate and executed by both parties. Signed for and on behalf of GE Life and Annuity Assurance Company By: Illegible By: Illegible ------------------------ ------------------------ Title: SR VP Title: VP Date: October 22, 2001 Place: Richmond, VA Signed for and on behalf of Life Reassurance Corporation of America (now known as Swiss Re Life & Health America Inc.) By: Illegible By: Illegible ------------------------ ------------------------ Title: Vice President Title: Second VP Date: September 17, 2001 Place: _______CT This Amendment is made as of January 1, 2001 between GE Life and Annuity Assurance Company (hereinafter referred to as "the Company") and Swiss Re Life and Health America Inc. (hereinafter referred to as "the Reinsurer") and is applicable to the following Agreements: NA2815-82, Automatic Coinsurance Agreement, Effective June 1, 1982 NA2990-82, Automatic YRT Agreement, Effective March 1, 1982 NA3273-84, Automatic Coinsurance Agreement, Effective June 1, 1984 SBA004-92, Automatic YRT Agreement, Effective February 1, 1992 6948-1, Automatic YRT Agreement, Effective November 1, 2000 It is hereby agreed that effective January 1, 2001, the Automatic Binding Limits for the reinsurance pool shall be thirty times the Company's retention, not to exceed the maximums listed below: Ages All Ratings ----- ----------- 0-75 $30,000,000 76-89 $ 3,000,000 All other terms and conditions in the Agreements remain unaltered. Made in duplicate and executed by both parties. Signed for and on behalf of GE Life and Annuity Assurance Company By: Illegible By: Illegible ------------------------ ------------------------ Title: SR VP Title: VP Date: October 22, 2001 Place: Richmond, VA Signed for and on behalf of Swiss Re Life & Health America Inc. By: Illegible By: Illegible ------------------------ ------------------------ Title: Vice President Title: Second VP Date: September 17, 2001 Place: Stanford, CT Swiss Re America AMENDMENT NO. VIII To the Automatic Reinsurance Agreement Between the LIFE INSURANCE COMPANY OF VIRGINIA And SWISS RE LIFE COMPANY AMERICA Except as hereinafter specified, all terms and conditions of the Automatic Reinsurance Agreement effective the 1st day of June, 1984, amendments and addenda attached thereto, shall apply, and this Amendment is to be attached to and made a part of the aforesaid Agreement. It is mutually agreed that effective the 1st day of September, 1996, EXHIBIT G, Automatic Binding Limits To The Reinsurance Pool, is revised as attached; Section 5 of Memorandum Addenda IX and XIV is revised as attached; EXHIBIT B of Memorandum Addenda IX and XIV are replaced in their entirety by the attached EXHIBIT B. IN WITNESS WHEREOF, the Company and Swiss Re America have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. LIFE INSURANCE COMPANY OF VIRGINIA By: Illegible Attest: Illegible ------------------------ --------------------------- Title: Zd VP Title: Illegible Date: 10/29/94 Date: 10/29/96 SWISS RE LIFE COMPANY AMERICA By: Illegible Attest: Illegible ------------------------ --------------------------- Title: Vice President Title: Asst VP Date: 11/1/96 Date: 11/1/96 - 1 - Swiss Re America AUTOMATIC BINDING LIMITS TO THE REINSURANCE POOL I A. Survivor Life (Joint & Last Survivor UL) Plan: LOV Total Auto SRA Share of Ages Retention Pool Coverage* Auto Cover* ----- ---------- -------------- ------------ 0-75 $1,000,000 $9,000,000 $1,800,000 76-80 100,000 1,900,000 380,000 81-85 100,000 1,000,000 200,000 * Retention and automatic coverage will be based on the younger age. B. T10, T15 and T20 Plans: LOV Total Auto SRA Share of Ages Retention Pool Coverage* Auto Cover* ----- ---------- -------------- ------------ 0-75 $1,000,000 $9,000,000 $1,350,000 76-80 100,000 1,400,000 210,000 C. All Other Plans: LOV Total Auto SRA Share of Ages Retention Pool Coverage* Auto Cover* ----- ---------- -------------- ------------ 0-75 $1,000,000 $9,000,000 $1,800,000 76-80 100,000 1,400,000 280,000 EXHIBIT G Swiss Re America REINSURANCE PREMIUMS I. Plans: Graded Premium Life (TLevel 10) 15 Year Graded Premium Life (TLevel 15) 20 Year Graded Premium Whole Life (TLevel 20) II. Standard Reinsurance Risk Premiums: Reinsurance on the above plans shall be ceded on a bordereau basis employing annual reinsurance premiums. The reinsurance premiums shall equal the mortality assumptions shown on the diskette labeled Exhibit B-1, attached to this Exhibit B, multiplied by the following factors: TLevel 10 Super Issue Preferred Preferred Regular Preferred Regular Age Non-Smoker Non-Smoker Non-Smoker Smoker Smoker --------- ---------- ---------- ---------- --------- ------- 0-40 1.10 1.30 1.54 1.35 1.21 41-60 .95 1.12 1.32 1.12 1.13 61 & Over .98 1.15 1.32 1.25 1.24 TLevel 15 Super Issue Preferred Preferred Regular Preferred Regular Age Non-Smoker Non-Smoker Non-Smoker Smoker Smoker --------- ---------- ---------- ---------- --------- ------- 0-40 1.10 1.30 1.42 1.35 1.11 41-60 .92 1.08 1.14 1.12 1.06 61 & Over 1.02 1.20 1.25 1.25 1.32 TLevel 20 *Super Issue Preferred Preferred Regular Preferred Regular Age Non-Smoker Non-Smoker Non-Smoker Smoker Smoker --------- ---------- ---------- ---------- --------- ------- 0-40 1.10 1.30 1.63 1.35 1.11 41-60 .92 1.08 1.31 1.12 1.06 After the initial 20 year level period, reinsurance premiums shall be developed by applying the factors specified above to the T10/T15 ultimate mortality assumptions specified in Exhibit B-1 of this Exhibit B. Re-entry is available after 10 years for the TLevel 10 plan, 15 years for the TLevel 15 plan and 20 years for the TLevel 20 plan respectively. Upon re-entry, the policy is treated as a new issue. *Super preferred nonsmoker class is available only at face amount bands of $200,000+. EXHIBIT B Page 1 of 2 Swiss Re America III. Multiple Table Substandard Reinsurance Premiums: For the TLevel 10 and TLevel 15 policies, multiple table substandard reinsurance premiums are equal to the sum of the standard premium (the classes listed in Section II, above) and 25% of the standard premium for each 25% excess mortality. For the 20 year level premium period, multiple table substandard reinsurance premiums are equal to the sum of the standard premium developed in Section II, above, plus 20% of that standard premium for each 25% excess mortality. After the 20th policy year, multiple table substandard reinsurance premiums are equal to the sum of the standard premium plus 25% of that standard premium for each 25% excess mortality. IV. Maximum Amount of Reinsurance On One Life On These Reinsurance Premiums: $5,000,000. For the excess amount over $5,000,000 rate schedule NRN-5833, which is attached to the basic agreement, will apply. The nonsmoker rates in schedule NRN-5833 will be used for Super Preferred Non-Smoker, Preferred Nonsmoker and Regular Non-Smoker. The smoker rates will be used for both Preferred Smoker and Regular Smoker. V. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B Page 2 of 2 Swiss Re America Edward B. Mayer Senior Underwriting Officer Ms. Mildred Holmes Swiss Re Life Company America Reinsurance Specialist 237 Park Avenue The Life Insurance Company of Virginia New York, New York 10017 6610 West Broad Street P. O. Box 27601 Telephone (212) 907-8369 Richmond, Virginia 23261 Fax (212) 907-8404 July 25, 1996 Dear Ms. Holmes: To my chagrin, I realize I failed to respond to your letter of May 10, 1996, regarding coverage now ceded to us on certain lives on which we had not made final facultative acceptances. The three lives are: Dominquez - Policy NO1888171 Kassel - Policy NO1974329 Maddox - Policy NO1907855 As quite sometime has elapsed since these policies were issued, I think it easiest and best to agree to have the reinsurance remain with Swiss Re America. I believe these are the final lives involved regarding continuing the reinsurance on certain policies you had identified. Again, my apologies for the delay in responding. Best personal regards. Sincerely, /s/ Edward B. Mayer ------------------------------ Edward B. Mayer Senior Underwriting Officer Swiss Re America Memorandum Addendum No. XIV to the Automatic Reinsurance Agreement effective June 1, 1984 between the Life Insurance Company of Virginia and Swiss Re Life Company America. Effective March 1, 1996, reinsurance generated on the 20 Year Graded Premium Whole Life plan, (TLevel 20), shall be ceded under the above referenced Reinsurance Agreement subject to the same terms and conditions of the Agreement except as provided below: 1. Plan of Reinsurance: A. Reinsurance of Life risks shall be on the risk premium basis. The risk amount on the policy reinsured shall be calculated annually and shall be equal to the face amount less the Company's retention. 2. Reinsurance Administration: A. Reinsurance shall be ceded using a bordereau format in accordance with the suggested reporting details for Non-Universal Life products as indicated in Exhibit C of the basic Agreement. 3. Reinsurance Premiums: A. Life Premiums i) Until further notice, reinsurance premiums shall be developed as described in the Exhibit B attached to this Memorandum Addendum. Swiss Re America guarantees that premium rates for a given attained age, rating, and duration shall not exceed the higher of the rate shown in the attached schedule (Exhibit B) for that age, rating, and duration or the one year term rate on the appropriate multiple of the applicable 1980 CSO table at the maximum statutory valuation rate approved in New York state. ii) Reinsurance premiums are annual premiums payable at the end of the month in which they become due. 4. Premium Tax Reimbursement: A. The reinsurance premiums for these plans of insurance have been calculated to reflect the Ceding Company's premium tax liability. Swiss Re America shall not make any additional reimbursement for premium taxes. 5. Percentage of Participation: A. Swiss Re America's percentage of participation shall be equal to 20% of 100%. - 1 - Swiss Re America IN WITNESS WHEREOF, the Company and Swiss Re America have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. THE LIFE INSURANCE COMPANY OF VIRGINIA. By: Illegible Attest: Illegible ------------------------ --------------------------- Title: Illegible Title: Illegible Date: 5/7/96 Date: 5/7/96 SWISS RE LIFE COMPANY AMERICA By: Illegible Attest: Illegible ------------------------ --------------------------- Title: Vice President Title: asst VP Date: 5/10/96 Date: 5/10/96 - 2 - Swiss Re America REINSURANCE PREMIUMS I. Plan: 20 Year Graded Premium Whole Life (TLevel 20) II. Standard Reinsurance Risk Premiums: Reinsurance on the above plan shall be ceded on a bordereau basis employing annual reinsurance premiums. The reinsurance premiums shall equal the mortality assumptions attached to this Exhibit B as Exhibit B-1, multiplied by the following factors: *Super Issue Preferred Preferred Standard Preferred Standard Age Nonsmoker Nonsmoker Nonsmoker Smoker Smoker ----- --------- --------- --------- --------- -------- 0-40 1.10 1.30 1.30 1.35 1.11 41-60 0.92 1.08 1.05 1.12 1.06 After the initial 20 year level period, reinsurance premiums shall be developed by applying the factors specified above to the T10/T15 ultimate mortality assumptions specified in Memorandum Addendum No. IX to this Agreement. Re-entry is available from the 20th policy anniversary through attained age 60. Upon re-entry, the policy is treated as a new issue. *Super preferred nonsmoker class is available only at face amount bands of $200,000+. III. Multiple Table Substandard Reinsurance Premiums: During the 20 year level premium period, multiple table substandard reinsurance premiums are equal to the sum of the standard premium developed in Section II, above, plus 20% of that standard premium for each 25% excess mortality. After the 20th policy year, multiple table substandard reinsurance premiums are equal to the sum of the standard premium plus 25% of that standard premium for each 25% excess morality. IV. Recapture: Reinsurance ceded on these rates shall not be eligible for recapture before the tenth policy anniversary. EXHIBIT B Swiss Re America AMENDMENT NO. VII To the Automatic Reinsurance Agreement Between the LIFE INSURANCE COMPANY OF VIRGINIA And SWISS RE LIFE COMPANY AMERICA Except as hereinafter specified, all terms and conditions of the Automatic Reinsurance Agreement effective the 1st day of June, 1984, amendments and addenda attached thereto, shall apply, and this Amendment is to be attached to and made a part of the aforesaid Agreement. It is mutually agreed that effective the 1st day of October, 1995, EXHIBIT B, Reinsurance Premiums, attached to Memorandum Addendum No. IX of the Agreement to which this Amendment is attached, is revised as follows. IN WITNESS WHEREOF, the Company and Swiss Re America have caused their names to be subscribed and duly attested hereunder by their respective Authorized Officers. LIFE INSURANCE COMPANY OF VIRGINIA. By: Illegible Attest: Illegible ------------------------ --------------------------- Title: Illegible Title: Illegible Date: Nov 27, 1995 Date: Nov. 27, 1995 SWISS RE LIFE COMPANY AMERICA By: Illegible Attest: Illegible ------------------------ --------------------------- Title: Assistant Vice President Title: Asst VP Date: November 29, 1995 Date: 11/29/95 - 1- T R A N S A M E R I C A R E I N S U R A N C E AUTOMATIC REINSURANCE AGREEMENT (No. 3935-3) between THE LIFE INSURANCE COMPANY OF VIRGINIA of Richmond, Virginia (Reinsured referred to as you, your) and TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY of Los Angeles, California (Reinsurer referred to as we, us, our) Effective March 1, 1988. [LOGO] Transamerica Transamerica Occidental Life Companies Life Insurance Company TABLE OF CONTENTS ARTICLES PAGE -------- ---- I Basis Of Reinsurance 1 II Liability 2 III Formal Cession 2 IV Plans Of Reinsurance 3 V Reinsurance Premiums 3 VI Premium Accounting 3 VII Oversights 4 VIII Reductions, Terminations And Changes 5 IX Increase In Retention 6 X Reinstatement 6 XI Expenses 7 XII Claims 7 XIII Inspection Of Records 8 XIV Insolvency 8 XV Arbitration 9 XVI Parties To Agreement 9 XVII Duration Of Agreement 10 SCHEDULES A Specifications B Benefits C Exceptions D Definitions EXHIBITS I Retention Limits 11 Formal Reinsurance Cession and Reinsurance Cession Card III Reinsurance Premiums All Schedules and Exhibits attached will be considered part of this Agreement. However, Schedule C does change the actual body of this Agreement. ARTICLE I BASIS OF REINSURANCE Reinsurance under this Agreement must be individual insurance as stated in Schedule A. You must automatically reinsure the life insurance for the plans as stated in Schedule A and any additional benefits listed in Schedule B. 1. REQUIREMENTS FOR AUTOMATIC REINSURANCE: A. The individual risk must be a resident of the U.S. or Canada. B. The individual risk must be underwritten by you according to your standard underwriting practices and guidelines. Any risk falling into the category of special underwriting programs will be excluded from this Agreement. C. Any risk offered on a facultative basis by you to us or any other company will not qualify for automatic reinsurance. D. The maximum issue age on any risk will be age 80 and under. E. The mortality rating on each individual risk must not exceed Table 16, Table P, or 500%, or its equivalent on a flat extra premium basis. F. The maximum amount of insurance issued and applied for in all companies on each risk must not exceed the Jumbo limits as stated in Schedule A. G. On each individual life, you must retain the amounts of insurance as stated in Exhibit I. H. The maximum amounts of insurance to be reinsured on a life must not exceed the automatic binding limits as stated in Schedule A. 2. REQUIREMENTS FOR FACULTATIVE REINSURANCE: A Plan of Insurance Listed in Schedule A: (1) If the Requirements for Automatic Reinsurance are met but you prefer to apply for facultative reinsurance, or (2) If Requirements for Automatic Reinsurance are not met, then you must submit to us all the papers relating to the insurability of the individual risk for facultative reinsurance, except for those underwriting risks which we mutually agree upon should not be submitted to us. B. Plan of Insurance Not Listed in Schedule A: You may submit an application for facultative reinsurance on any of your other plans of insurance. 3. A An application for facultative reinsurance may include life insurance with or without either disability waiver of premium or accidental death or both. Only accidental death reinsurance may be submitted without an application for life reinsurance. ARTICLE I CONTINUES 1 B. Copies of all the papers relating to the insurability of the individual risk must be sent to us for facultative reinsurance. After we have examined the papers sent, we will promptly notify you of our underwriting offer subject to additional requirements or our final underwriting offer. Our final underwriting offer on the individual risk will automatically terminate when one of the following situations occurs: (1) The date we receive notice from you of the withdrawal of your application, or (2) 120 days after we made our offer or (3) The date specified in our approval to extend our offer. 4. The initial minimum amount of life reinsurance on the individual risk must be the amount stated in Schedule A. 5. If the subsequent minimum amount of life reinsurance net amount at risk falls below the amount stated in Schedule A on the individual risk, as of that date all of the life reinsurance on the risk must terminate. 6. In no event will we be liable for reinsurance unless the issuance of the insurance, issued directly by you, constituted the doing of business in a jurisdiction in which you are properly licensed. ARTICLE II LIABILITY 1. Our liability for automatic reinsurance will begin simultaneously with your liability. 2. Our liability for facultative reinsurance on the individual risk will begin simultaneously with your liability once we have accepted in writing the application for facultative reinsurance and you have accepted our offer. 3. Our liability for reinsurance on the individual risk will terminate when your liability terminates. 4. The initial and subsequent reinsurance premiums must be received by us on a timely basis for us to maintain our liability of each individual risk. ARTICLE III FORMAL CESSION 1. Promptly after your liability for insurance has begun on the individual risk, you must send to us a "Formal Reinsurance Cession", Exhibit II. Based upon the information on the "Formal Reinsurance Cession", we will prepare and send you a "Reinsurance Cession Card", Exhibit II. 2. When reinsurance is reduced or changed, you must send us an amended "Formal Reinsurance Cession". ARTICLE IV PLANS OF REINSURANCE 1. Life Reinsurance will be on the basis as stated in Schedule B. 2. When requested, you must furnish us with a copy of each policy, rider, rate book and cash value table which applies to the life insurance reinsured. 3. If the life reinsurance is on a coinsurance basis, we must establish and assume liability for all statutory reserves in proportion to our liability. This is required by law in the State of California ARTICLE V REINSURANCE PREMIUMS 1. Life Reinsurance Premiums. A. Life Reinsurance Premiums Paid on a Coinsurance Basis. You'11 pay us the current premium, including substandard table extra and flat extra premiums, but excluding the policy fee, which is in effect on the effective date of the Agreement or any subsequent Amendments based on the amount of life insurance reinsured, less the allowance stated in Schedule A. In the event the current premium is changed, you will notify us immediately. B. Life Reinsurance Premiums Paid on a Yearly Renewable Term Basis. The life reinsurance premium on the net amount at risk will be determined from Exhibit III. C. Deficiency Reserves of the Yearly Renewable Term Premiums. We anticipate that the premium rates in Exhibit III will be continued indefinitely for all of the life reinsurance to which such rates will apply. However, because of technical questions in some states regarding deficiency reserves, if any one or more of such premium rates for any policy year or years after the first will be less than the net premium rate or rates based on the 1958 CSO Table at 21/2% interest for the applicable mortality rating, then, in that event, only the latter rate or rates will be guaranteed by us. ARTICLE VI PREMIUM ACCOUNTING 1. Payment of Reinsurance Premiums. A. The reinsurance premiums will be paid to us on the basis stated in Exhibit III. B. Each month we will send you two copies of a statement listing first year and renewal ARTICLE VI CONTINUES 3 reinsurance premiums less refunds and allowances (dividends and cash values, if applicable) which are due during the current month. C. If a net reinsurance premium balance is payable to us, you must pay this balance within twenty-five days after the close of that month. If the full balance is not received within the twenty-five day period, the reinsurance premiums for reinsurance risks listed on the statement, for which payment was not received, will be delinquent. D. If a net reinsurance premium balance is payable to you, we must pay this net balance within twenty-five days after the monthly statement was sent to you. 2. Termination Because of Non-Payment of Premium. When reinsurance premiums are deliquent, we have the right to terminate the reinsurance risks on the statement, by giving you thirty days written notice. As of the close of this thirty-day period, all of our liability will terminate for: A. The risks described in the preceding sentence and B. The risks where the reinsurance premiums became delinquent during the thirty-day period. Regardless of these terminations, you will continue to be liable to us for all unpaid reinsurance premiums earned by us. 3. Reinstatement of a Delinquent Statement. You may reinstate the terminated risks within sixty days after the effective date of termination by paying the unpaid reinsurance premiums for the risks in force prior to the termination. However, we will not be liable for any claim incurred between the date of termination and reinstatement. The effective date of reinstatement will be the day we receive the required back premiums. 4. Currency. The reinsurance premiums and benefits payable under this Agreement will be payable in the lawful money of the United States or Canada. ARTICLE VII OVERSIGHTS 1. If there is an unintentional oversight or misunderstanding in the administration of this Agreement by either company, it can be corrected provided the correction takes place promptly after the time the oversight or misunderstanding is first discovered. Both companies will be restored to the position they would have occupied had the oversight or misunderstanding not occurred. Interest at a rate to be determined annually will be payable on any premiums or allowances due as a result of the oversight or misunderstanding. 4 ARTICLE VIII REDUCTIONS, TERMINATIONS AND CHANGES 1. If there is a contractual or non-contractual replacement or change in the insurance reinsured under this Agreement, where full underwriting evidence according to your regular underwriting rules is not required, the insurance will continue to be reinsured with us provided it meets the initial minimum amount stated in Schedule A. 2. If the insurance reinsured under this Agreement increases and A. The increase is subject to new underwriting evidence, the provisions of Article I shall apply to the increase in reinsurance. B. The increase is not subject to new underwriting evidence, we will accept automatically the increase in reinsurance but not to exceed our automatic binding limit. 3. If the insurance reinsured under this Agreement is increased or reduced, the reinsurance for the individual risk involved will be increased or reduced by the same amount on the effective date of increase or reduction. 4. If any portion of the aggregate insurance retained by you on an individual life reduces or terminates, any reinsurance under this Agreement based on the same life will also be reduced or terminated. You'll reduce your reinsurance by applying the retention limits which were in effect at the time the policy was issued. You will not be required to retain an amount in excess of your regular retention limit for the age, mortality rating and risk classification at the time of issue for any policy on which reinsurance is being reduced. You must first reduce the reinsurance of the insurance which has the same mortality rating as the terminated insurance. If further reduction is required, the reinsurance to be terminated or reduced will be determined by chronological order in which the reinsurance was first reinsured. 5. If the insurance for a risk is shared by more than one reinsurer, our percentage of the increased or reduced reinsurance will be the same as our initial reinsurance of the individual risk. 6. If insurance reinsured under this Agreement is terminated, the reinsurance for the individual risk involved will be terminated on the effective date of termination. 7. On facultative reinsurance, if you wish to reduce the mortality rating, this reduction will be subject to and reinsured under the facultative provisions of this Agreement. 8. If at the time of a contractual or non-contractual change, you elect not to continue to reinsure the risk with us, you must pay us an early recapture charge as negotiated with us. 9. If the insurance is reinsured on a coinsurance basis, we must give you the same dividends, paid-up, cash or other non-forfeiture values you provide under your corresponding policy. 10. We will refund to you all unearned reinsurance premiums not including policy fees, less applicable allowances, arising from reductions, terminations and changes as described in this Article. 5 ARTICLE IX INCREASE IN RETENTION 1. If you should increase the retention limits as listed in Exhibit I, prompt written notice of the increase must be given to us. 2. You'll have the option of recapturing the reinsurance under this Agreement when your retention limit increases. You may exercise your option to recapture by giving written notice to us within ninety days after the effective date of the increase. 3. If you exercise your option to recapture, then A. You must reduce the reinsurance on each individual life on which you retained your maximum retention limit for the age and mortality rating that was in effect at the time the reinsurance was ceded to us. B. No recapture will be made to reinsurance on an individual life if (a) you retained a special retention limit less than your maximum retention limit for the age and mortality rating in effect at the time the reinsurance was ceded to us, or if (b) you did not retain insurance on the life. C. You must increase your total amount of insurance on the individual life up to your new retention limit by reducing the reinsurance. If an individual life is shared by more than one reinsurer, our percentage of the reduced reinsurance will be the same percentage as our initial reinsurance on the individual risk. D. The reduction of reinsurance will become effective on the later of the following dates: (1) The policy anniversary date immediately following the effective date of your increase in retention limits. (2) The number of years stated in Schedule A starting with the 'policy date' shown on the "Formal Reinsurance Cession". ARTICLE X REINSTATEMENT 1. If insurance lapses for nonpayment of premium and is reinstated under your terms and rules, the reinsurance will be reinstated by us. You must pay us all back reinsurance premiums in the same manner as you received insurance premiums under your policy. 6 ARTICLE XI EXPENSES 1. You must pay the expense of all medical examinations, inspection fees and other charges in connection with the issuance of the insurance. ARTICLE XII CLAIMS 1. Our liability for the insurance benefits reinsured under this Agreement will be the same as your liablity for such benefits. All reinsurance claim settlements will be subject to the terms and conditions of the particular contract under which you are liable. 2. When you are advised of a claim, you must promptly notify us. 3. If a claim is made under incontestable insurance reinsured under this Agreement and if you retained fifty percent or more of the insurance at the time of issue, we will abide the issue as it is settled by you. When you request payment of the reinsurance proceeds, you must deliver a copy of the proof of death and the claimant's statement to us. 4. If a claim is made under either (a) incontestable insurance and if you retained less than fifty percent of the insurance at the time of issue, or (b) contestable insurance reinsured under this Agreement, you must submit a copy of all papers connected with the claim to us. After reviewing all the claim papers, we will give our opinion as to how we would handle the claim had it been ours. We must give our opinion within ten working days after we receive a copy of all papers connected with the claim. If we do not respond within this ten-day period, it will be presumed we are agreeable to the payment of the claim. However, given your relationship with your claimant, you are not obligated to follow our opinion. 5. Payment of reinsurance proceeds will be made in a single sum regardless of your mode of settlement. 6. A. You must promptly notify us of your intent to contest insurance reinsured under this Agreement or to assert defenses to a claim for such insurance. If your contest of such insurance results in the reduction of your liability, we will share in this reduction. Our percentage of the reduction will be our net amount of risk on the individual life as it relates to your total net amount at risk on the date of the death of the insured. B. If we should decline to participate in the contest or assertion of defenses, we will then release all of our liability by paying you the full amount of reinsurance and not sharing in any subsequent reduction in liability. 7. If the amount of insurance provided by the policy or policies reinsured under this Agreement is increased or reduced because of a misstatement of age or sex established after the death of the insured, we will share with you in this increase or reduction. Our share of this increase or reduction will be the percentage that our net liability relates to your total net liability and that of other reinsurers, immediately prior to this increase or reduction. In the case of reinsurance on the yearly ARTICLE XII CONTINUES 7 renewable term basis, our reinsurance will be calculated from the inception date of the policy on the adjusted amounts using the premiums and reserves applicable to the correct age or sex. Any adjustment in reinsurance premiums will be made without interest. 8. If a claim is approved for disability waiver of premiums insurance reinsured under this Agreement, you will continue to pay the reinsurance premiums to us. We will reimburse you for our share of the annual liability, less any commission not paid to your agent. 9. You must pay the routine expenses incurred in connection with settling claims. These expenses may include compensation of agents and employees and the cost of routine investigations. 10. We will share with you all expenses that are not routine. Expenses that are not routine are those directly incurred in connection with the contest or the possibility of a contest of insurance or the assertion of defenses. These expenses will be shared in proportion to the net sum at risk for both of us. However, if we have released our liability under Section 6. of this Article, we will not share in any expenses incurred after our date of release. 11. In the case of a claim described under: A. Section 3. of this Article, in no event will we have any liability for any Extra-Contractual Damages which are rendered against you as a result of acts, omissions or course of conduct committed by you in connection with the insurance reinsured under this Agreement. B. Section 4. of this Article and if you followed our opinion, we recognize that circumstances may arise under which we, in equity, should share, to the extent permitted by law, in paying certain assessed damages. Such circumstances are difficult to define in advance, but involve those situations in which we were an active party in the act, omission or course of conduct which ultimately resulted in the assessment of such damages. The extent of such sharing is dependent on good faith assessment of culpability in each case, but all factors being equal, the division of any such assessment would be in proportion to what impact our opinion had on such damages. ARTICLE XIII INSPECTION OF RECORDS 1. We will have the right, at any reasonable time, to inspect your books and documents which relate to reinsurance under this Agreement. ARTICLE XIV INSOLVENCY 1. If you become insolvent, all of the reinsurance due you will be paid in full directly to your liquidator (receiver or statutory successor) without decrease. 8 2. If you become insolvent, the liquidator will give us written notice of a pending claim against you for insurance reinsured under this Agreement within a reasonable time after the claim is filed in the insolvency proceeding. During the insolvency proceedings where the claim is to be settled, we may investigate this pending claim and mediate in you or your liquidator's, name, but at our own expense, with any defense or defenses which we may believe available to you or your liquidator. 3. The expenses incurred by us will be chargeable, subject to court approval, against you as part of the expense of liquidation. The benefit which you may accumulate solely as a result of the defense undertaken by us will be shared proportionately. Where two or more reinsurers are involved in the same claim and a majority in interest elect to mediate a defense or defenses to this claim, the expense will be shared as though such expense had been incurred by you. ARTICLE XV ARBITRATION 1. Any controversy or claim, arising out of or relating to this Agreement will be settled by arbitration. 2. There must be three arbitrators who will be officers of life insurance companies other than the contracting companies. Each of the contracting companies will appoint one of the arbitrators and these two arbitrators will select the third. If a contracting company fails to appoint an arbitrator within thirty days after the other contracting company has given notice of its arbitrator appointment, the President of the American Council of Life Insurance will appoint an arbitrator for the contracting company that has failed to do so. Should the two arbitrators be unable to agree on the choice of the third, then the appointment of this arbitrator is left to the President of the American Council of Life Insurance. 3. With regard to (2) above, arbitration must be conducted in accordance with the Commerical Arbitration Rules of the American Arbitration Association which will be in effect on the date of delivery of demand for arbitration. 4. Each contracting company must pay part of the arbitration expenses as allocated by the arbitrators. 5. The award agreed by the arbitrators will be final, and judgment may be entered upon it in any court having jurisdiction. ARTICLE XVI PARTIES TO AGREEMENT 1. This is an Agreement solely between you and us. There will be no legal relationship between us and any person having an interest of any kind in any of your insurance. 9 ARTICLE XVII DURATION OF AGREEMENT 1. This Agreement may be terminated at any time by either company giving ninety days written notice of termination. The day the notice is deposited in the mail addressed to the Home Office, or to an Officer of either company will be the first day of the ninety-day period. 2. During the ninety day period, this Agreement will continue to be in force. 3. After termination, we're both liable for all automatic reinsurance which becomes effective prior to termination of this Agreement and also for all facultative reinsurance approved by us based upon applications we receive prior to termination of this Agreement. Executed in duplicate by Executed in duplicate by THE LIFE INSURANCE TRANSAMERICA OCCIDENTAL COMPANY OF VIRGINIA LIFE INSURANCE COMPANY at Richmond, Virginia, at Los Angeles, California, on may 9th, 1988 on april 6, 1988 By /s/ Illegible By /s/ Illegible ------------------------------- ----------------------------------- Title: 2nd V.P. Title Vice President By /s/ Illegible By /s/ Illegible ------------------------------- ----------------------------------- Title: Illegible Title Second Vice President 10 THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE A SPECIFICATIONS 1. TYPE OF BUSINESS: Life insurance and disability waiver of monthly deduction and accidental death benefit issued by you. 2. PLANS OF INSURANCE: A. Plus Two (UL) B. X-881 (EIWL) 3. BASIS OF REINSURANCE: Pool - Our share is 20% for ages through 70 and 50% for ages 71 through 75. 4. JUMBO LIMIT: A. Life $7,500,000 B. Disability Waiver of Premium $3,000,000 C. Accidental Death (Including Ages Amount Common Carrier) ----- -------- 0-4 -0- 5-15 $ 50,000 16-65 300,000 5. BINDING LIMIT: A. Life $1,000,000 through age 70 $ 500,000 Ages 71 - 75 B. Disability Waiver of Premium Same as Life C. Accidental Death $100,000 6. MINIMUM AMOUNTS: Not applicable. 7. YEARS TO RECAPTURE: Ten DISK K THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE B BENEFITS The following benefits are reinsured under this Agreement: 1. LIFE Life reinsurance will be on the yearly renewable term basis for the net amount at risk as described below: A. Level term plans (twenty years or less) - Our net amount at risk will be the reinsurance face amount. B. Decreasing term plans - Our first year net amount at risk will be the reinsurance face amount. To determine the second through tenth policy years net amount at risk, subtract the tenth year commuted value amount from the first year commuted value amount. This result times the insurance face amount divided by nine will give you the annual decrease in the net amount at risk. For any ten year period after the first ten policy years, subtract the commuted value as of the beginning of the last policy year of the period involved from the commuted value as of the beginning of the year preceding the period involved. This difference times the insurance face amount divided by ten will give you the annual decrease in the net amount at risk for the policy years involved. If the period of years is less than ten years or if any of the periods is level for two or more years, the net amount at risk will be the commuted value for the insurance face amount less your retention for each policy year. C. Level term plans (more than twenty years) or permanent plans - Our first year net amount at risk will be the reinsurance face amount. To determine the second through tenth policy years net amount at risk, multiply the tenth year cash value and the insurance face amount. This result divided by nine will give you the annual decrease in the net amount at risk. For any ten year period after the first ten policy years, subtract the cash value as of the beginning of the last policy year of the period involved from the cash value as of the SCHEDULE B CONTINUES . . . beginning of the year preceding the period involved. This difference times the insurance face amount divided by ten will give you the annual decrease in the net amount at risk for the policy years involved. If the period of years is less than ten years, the net amount at risk will be insurance face amount less the cash value for the insurance policy, less your retention for each of the policy years involved. D. Universal life plans - Our net amount at risk will be the insurance face amount, less the account value, less your retention. E. The methods of calculating the net amount at risk described above may not be appropriate because of special options, structure of tables of amounts, rate of accumulation of cash surrender values and provisions guaranteeing an increase in the face amount under a given plan of insurance. Then the net amount at risk will be a method mutually agreeable by both parties. 2. DISABILITY WAIVER OF MONTHLY DEDUCTION Disability waiver of monthly deduction reinsurance will be on the coinsurance basis. The reinsurance premium will be the annual premium which you charge your insured on that amount of the benefit reinsured less the following allowances: First Year Renewal Years ---------- ------------- 85% 15% 3. ACCIDENTAL DEATH Accidental death reinsurance will be on the yearly renewable term basis. A. The reinsurance premium per $1,000 of accidental death reinsurance without common carrier coverage shall be determined from the following schedule: Classification First Year Renewal Years -------------- ---------- ------------- Standard (1) $.20 $ .85 Medium (1 1/2) .35 1.20 Special (2) .45 1.55 SCHEDULE B CONTINUES . . . B. The reinsurance premium per $1,000 of accidental death reinsurance with common carrier coverage shall be determined from the following schedule: Classification First Year Renewal Years -------------- ---------- ------------- Standard (1) $.25 $ .90 Medium (1 1/2) .40 1.25 Special (2) .50 1.60 THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE C EXCEPTIONS 1. ARTICLE I, BASIS OF REINSURANCE Subsection 2.B. does not apply to this Agreement. 2. ARTICLE III, FORMAL CESSION is replaced by the following: 1. You will inform us of any reinsurance by submitting a quarterly accounting statement as described in Article VI. 3. ARTICLE V, REINSURANCE PREMIUMS Subsection 1.A. does not apply to this Agreement. 4. ARTICLE VI, PREMIUM ACCOUNTING Section 1. is changed as follows: 1. Payment of Reinsurance Premiums A. The reinsurance premiums will be paid to us on the basis stated in Exhibit III. B. Within twenty-five days after the close of each calendar quarter, you will send us a copy of a statement listing first year and renewal reinsurance premiums less refunds and allowances (dividends and cash values, if applicable) and other data mutally agreed upon by both parties. C. If the net reinsurance premium balance is payable to us, you must include this payment with your statement. If the net reinsurance premium balance is not received by us or a statement is not prepared and sent to us within twenty-five days after the close of the month, the reinsurance premiums for all of the reinsurance risks listed on the statement will be delinquent. SCHEDULE C CONTINUES . . . Section 5. is added as follows: 5. Within sixty days after the close of the calendar year, you will send us an inforce listing of all policies reinsured under this Agreement. 5. ARTICLE XII, CLAIMS Sections 3. and 4. are combined as follows: 3. If a claim is made under insurance reinsured under this Agreement, we will abide the issue as it is settled by you. When you request payment of the reinsurance proceeds, you must deliver a copy of the proof of death and the claimant's statement to us. Section 11. is changed as follows: 11. In no event will we have any liability for any Extra-Contractual damages which are rendered against you as a result of acts, omissions or course of conduct committed by you in connection with the insurance reinsured under this Agreement. 6. EXHIBIT II - Not applicable to this Agreement. SCHEDULE D DEFINITIONS 1. AUTOMATIC -- Insurance which must be ceded by the Reinsured in accordance with the terms of the Agreement and must be accepted by the Reinsurer. 2. EXCESS -- The Reinsurer agrees to reimburse the Reinsured for all losses or a large portion of the losses over the Reinsured's retention. The Reinsurer becomes involved in a loss only after the loss has exceeded the Reinsured's retention. 3. FACULTATIVE -- Insurance which the Reinsured has the option to cede and the Reinsurer has the option to accept or decline individual risks. The agreement merely reflects how individual facultative reinsurance shall be handled. 4. INITIAL MINIMUM AMOUNT -- The smallest amount of reinsurance permitted at the inception of the reinsurance transaction. 5. LIFE PREMIUMS -- Coinsurance -- The Reinsured pays a proportionate part of the premiums it receives to the Reinsurer. In return, the Reinsurer agrees to pay a portionate part of the claim and participates in all other policy benefits explicitly stated in the reinsurance agreement. Yearly Renewable Term (YRT) -- Under the YRT method, the Reinsured transfer to the Reinsurer the mortality risk on either a net amount at risk basis or on an approximation to the net amount at risk basis. Aggregate -- The rates do not differentiate between smoker and non-smoker. Flat Extra -- Flat extra ratings usually apply to applicants in hazardous occupations or with certain physical impairments of a temporary nature. Substandard Table Extra -- Substandard table ratings usually apply to physically impaired lives. 6. POLICY DATE -- The effective date shown on the actual policy. 7. POOL -- An organization of insurers or reinsurers through which particular types of risks are underwritten with premiums, losses and expenses shared in agreed amounts. SCHEDULE D CONTINUES . . . 8. QUOTA SHARE -- A form of reinsurance indemnifying the Reinsured against a fixed percentage of loss on each risk covered in the agreement. 9. REINSURED (you, your) -- A company which transfers all or part of the insurance it has written to another company. 10. REINSURER (we, us, our) -- A company which assumes all or part of the insurance written by another company. 11. REPLACEMENT -- Contractual -- An option provided in the policy which allows for replacement of one policy for another without evidence of insurability. Non-Contractual -- An option not provided in the policy. However, replacement of one policy for another must be with new evidence of insurability. 12. RETENTION -- The amount of insurance which the Reinsured keeps for its own account and does not reinsure in any way. 13. RETROCESSION -- A form of reinsurance agreement which enables the Reinsurer to cede all or part of the reinsurance it has assumed from another Reinsurer. 14. RETROCESSIONAIRE -- The reinsurance company which accepts a retrocession from another company. 15. RISK -- Insurance on an individual life. 16. SUBSEQUENT MINIMUM AMOUNT -- The smallest amount of reinsurance permitted after the inception of the reinsurance transaction. THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT I YOUR RETENTION LIMITS 1. LIFE Ages through 69 $500,000* Ages 70 - 75 250,000** *$50,000 corridor **$25,000 corridor 2. DISABILITY WAIVER OF PREMIUM $3,000,000 3. ACCIDENTAL DEATH $200,000 FORMAL REINSURANCE CESSION PART 2 OR CANCELLATION NOTICE To: Transamerica Occidental Life Insurance Company AUTOMATIC [ ] FAC. OBLIGATORY [ ] CONDITIONAL AUTO. [ ] FACULTATIVE [ ] ------------------------------------- ----------- ----------------- ------------------ ------------------- NAME OF INSURED SEX DATE OF BIRTH ISSUE AGE JOINT EQUAL AGE ------------------------------------- ------------------------------- ------------------ ------------------- POLICY NUMBER POLICY DATE SHORT TERM FROM STATE OF RESIDENCE ------------------------------------- ---------------------------------------- PLAN OF INSURANCE (IF POLICY & RIDER, NON-SMOKER RATES [ ] YES [ ] NO RESEARE BASIS (_______________________) SHOW AMOUNTS FOR EACH) Will policy contain aviation [ ] YES [ ] NO Submitted elsewhere for reinsurance? [ ] YES [ ] NO exclusion provision? Prenotification given and signed MIB [ ] YES [ ] NO If so, where: Authorization on file? -------------------------------------- ---------------------------------------------------- DISABILITY DISABILITY ACCIDENT PREVIOUS INSURANCE IN FORCE LIFE WAIVER OF PREMIUM MONTHLY INCOME INDEMNITY (ALL CO'S) $ $ $ $ ------------------ ----------------- ------------------ ------------------- OUR COMPANY ------------------ ----------------- ------------------ ------------------- of which we retain ------------------ ----------------- ------------------ ------------------- Rating, if substandard ------------------ ----------------- ------------------ ------------------- New insurance applied for ------------------ ----------------- ------------------ ------------------- of which we will retain ------------------ ----------------- ------------------ ------------------- Rating, if substandard ------------------ ----------------- ------------------ ------------------- Reinsurance requested ------------------ ----------------- ------------------ ------------------- New insurance issued ------------------ ----------------- ------------------ ------------------- * of which we retain ------------------ ----------------- ------------------ ------------------- Reinsurance requested ------------------ ----------------- ------------------ ------------------- $ $ *Complete if amount(s) from above. ----------------- ------------------ ------------------- RATE PER 1000 RATE EXPIRY AGE ---------------------------------------------- ----------------- ------------------ ORIGINAL WRITING COMPANY (IF RETRO) EXPIRY AGE EXPIRY AGE ----------------------------------------------------- PLEASE CANCEL ABOVE REQUEST BECAUSE: REMARKS: [ ] NO NEW INSURANCE PUT IN FORCE. [ ] WE WILL RETAIN ALL OF NEW AMOUNT PUT IN FORCE. [ ] OUR REINSURANCE ON THIS CASE IS BEING PLACED WITH DUE TO* ------------------------------------------- (*CHECK MORE THAN ONE IF APPLICABLE.) [ ] OFFER EQUIVALENT TO YOURS [ ] EARLIER REPLY [ ] LOWER RATING ---------------------------------------------------------- [ ] FEWER REQUIREMENTS OR RESTRICTIONS CEDING COMPANY [ ] ---------------------------------------------- ---------------------------------------------------------- BY: DATE: BY DATE ================================================================================================================== ------------------------------ [ ] Refund [ ] Non-Refund ACCOUNTING SCHEDULE REINSURANCE RATE SCHEDULE ------------------------------------------------------------------------------------------------------------------ ACC. YEAR LIFE & EXTRA DISABILITY INDEMNITY TOTAL POLICY FEE COINSURANCE AMOUNT PREMIUM PREMIUM PREMIUM PREMIUMS ALLOWANCE AT RISK ------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------ --------------------------------------------- ---------------------------------------------------------- ENDORSED BY DATE REINSURANCE POLICY NUMBER TOR-200 ED.9-__ __ ================================================================================================================== REINSURANCE CESSION CARD ------------------------------------------------------------------------------------------------------------------ TRANSAMERICA OCCIDENTAL _______ No. ------------------------------------------------------------------------------------------------------------------ Issue Date Name of Insured Birth Date Age Sex ___ ----------------------------------------------------------------- Record of Your Number ____ Plan Kind Code Reserve ____ Type Co. Reinsurance Ceded TO ----------------------------------------------------------------- TRANSAMERICA OCCIDENTAL ____ From ___ ______ LIFE INSURANCE COMPANY ------------------------------------------------------------------------------------------------------------------ Previous Inforce New Insurance ----------------------------------- ---------------------------------------------------------------------------- Exp. ____ Flat Extra Ben Issued Retained Issued Retained Ceded Age Rating ________ Years ----------------------------------- ---------------------------------------------------------------------------- ------------------------------------------------------------------------------------------------------------------ Amount Policy Total Date Yr Age At Risk ______________ ________ WP ADH Fee Allowance Due Paid ------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------ Remarks ------------------------------------------------------------------------------------------------------------------
EXHIBIT II THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT III INSTRUCTIONS FOR THE USE OF THE YEARLY RENEWABLE TERM PREMIUMS PER $1,000 OF REINSURANCE 1. Reinsurance premiums under this Agreement will be payable on the annual basis regardless of how you receive premiums from your insured. 2. STANDARD AND SUBSTANDARD TABLE EXTRA PREMIUMS A. The rates for the first $2,000,000 on any one life will be your company's appropriate rates set forth to this Exhibit times the following multiples for all years: Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.16 1.23 1.29 1.34 We reserve the right to renegotiate the above multiples if you change the rates set forth in this Exhibit. *In addition to existing preferred risk underwriting requirements, the following stipulations must be met for the preferred rates to apply: (1) No tobacco use (2) Standard with no more than 15 debits. (3) No risk factoring (4) No credits. (5) No diabetes. The substandard reinsurance rates will be an additional 25% per table rating of the appropriate rates times the multiples stated above. B. For reinsurance in excess of $2,000,000 on any one life, the Vanguard 134 and 136 ANB rates, excluding the policy fee, set forth in this Exhibit will be used. (1) The rates are applicable to males and also to females with an age adjustment factor. For females attained ages 0-10, use male rates for the same ages. For females ages 11-14, use male rate age 10. For females ages 15 and over, use male rates for an age of 4 years younger. EXHIBIT III CONTINUES . . . (2) The "Substandard" reinsurance premiums set forth in this Exhibit shall be applied for the purpose of computing the substandard table extra premiums. Substandard table extra premiums shall be dropped at the later of age 65 and 20 years in force. The substandard extras in this Exhibit are for Table 1. For rating higher than Table 1, multiply above rate by the appropriate table. 3. FLAT EXTRA PREMIUM The flat extra premium will be the annual flat extra premium which you charge your insured on that amount of the insurance reinsured less the following allowances. Terms of Your First Renewal Flat Extra Premium Year Years ------------------ ----- ------- More than 5 years 85% 15% 5 years or less 15% 15% 4. RENEWAL AND CONVERSION OF INSURANCE The renewal and conversion of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. The Vanguard rates set forth in this Exhibit will be used, including the policy fee. Any conversions to a plan of insurance reinsured under this Agreement will be on a point-in-scale basis. 5. PREMIUM TAX We will not reimburse you for any premium taxes. PREFERRED NON-SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 0.839 15 0.693 0.830 0.954 1.055 1.124 1.162 0.834 0.792 16 0.840 0.963 1.021 1.078 1.113 0.818 0.788 0.755 17 0.966 1.023 1.048 1.072 0.801 0.770 0.743 0.716 18 0.966 1.011 1.034 0.765 0.762 0.720 0.692 0.667 19 0.924 0.979 0.725 0.715 0.701 0.659 0.635 0.611 20 0.861 0.670 0.675 0.661 0.640 0.588 0.578 0.557 21 0.554 0.610 0.632 0.624 0.605 0.567 0.579 0.572 22 0.484 0.540 0.567 0.556 0.539 0.519 0.514 0.510 23 0.430 0.475 0.503 0.494 0.487 0.465 0.463 0.460 24 0.373 0.412 0.439 0.444 0.435 0.423 0.416 0.421 25 0.332 0.364 0.396 0.400 0.405 0.393 0.395 0.405 26 0.307 0.340 0.365 0.376 0.386 0.387 0.394 0.402 27 0.299 0.321 0.348 0.364 0.380 0.392 0.401 0.414 28 0.298 0.321 0.342 0.364 0.385 0.400 0.414 0.440 29 0.307 0.325 0.348 0.375 0.400 0.419 0.447 0.470 30 0.313 0.336 0.364 0.385 0.414 0.447 0.469 0.507 31 0.316 0.348 0.370 0.400 0.434 0.464 0.500 0.543 32 0.320 0.352 0.382 0.417 0.448 0.489 0.535 0.587 33 0.313 0.352 0.392 0.429 0.474 0.520 0.575 0.629 34 0.299 0.350 0.392 0.441 0.494 0.548 0.605 0.666 35 0.301 0.356 0.411 0.472 0.530 0.591 0.653 0.724 36 0.304 0.376 0.443 0.514 0.583 0.650 0.726 0.805 37 0.321 0.402 0.482 0.565 0.644 0.721 0.805 0.893 38 0.344 0.439 0.535 0.626 0.716 0.801 0.891 0.997 39 0.375 0.489 0.594 0.697 0.794 0.889 0.993 1.115 40 0.412 0.543 0.663 0.779 0.879 0.985 1.109 1.244 41 0.450 0.599 0.740 0.863 0.977 1.100 1.230 1.375 42 0.489 0.659 0.810 0.952 1.086 1.218 1.359 1.518 43 0.528 0.714 0.886 1.048 1.196 1.340 1.491 1.663 44 0.566 0.773 0.969 1.148 1.305 1.463 1.628 1.810 45 0.611 0.841 1.055 1.255 1.427 1.599 1.778 1.980 46 0.660 0.909 1.146 1.371 1.568 1.754 1.956 2.180 47 0.709 0.989 1.252 1.504 1.733 1.946 2.165 2.417 48 0.759 1.077 1.375 1.656 1.934 2.178 2.426 2.715 49 0.814 1.175 1.511 1.838 2.158 2.445 2.741 3.068 50 0.870 1.285 1.667 2.033 2.398 2.741 3.087 3.457 51 0.930 1.407 1.837 2.244 2.655 3.053 3.446 3.842 52 0.999 1.537 2.016 2.471 2.919 3.361 3.783 4.234 53 1.072 1.672 2.207 2.699 3.185 3.640 4.108 4.599 54 1.156 1.820 2.405 2.935 3.440 3.923 4.417 4.948 55 1.249 1.985 2.625 3.182 3.723 4.219 4.730 5.301 56 1.362 2.172 2.866 3.475 4.031 4.538 5.079 5.696 57 1.499 2.389 3.161 3.811 4.375 4.912 5.496 6.154 58 1.658 2.661 3.513 4.206 4.798 5.382 6.008 6.696 59 1.856 2.978 3.916 4.666 5.315 5.949 6.610 7.322 60 2.081 3.330 4.364 5.183 5.914 6.589 7.286 8.030 61 2.339 3.709 4.844 5.753 6.557 7.278 8.020 8.839 62 2.631 4.104 5.339 6.357 7.214 8.000 8.821 9.717 63 2.959 4.562 5.890 6.988 7.885 8.742 9.632 10.623 64 3.330 5.098 6.514 7.651 8.599 9.510 10.473 11.563 65 3.743 5.668 7.178 8.346 9.360 10.345 11.392 12.633 66 4.191 6.233 7.833 9.061 10.182 11.276 12.474 13.860 67 4.690 6.750 8.420 9.792 11.078 12.362 13.733 15.378 68 5.232 7.227 8.961 10.526 12.065 13.600 15.290 17.246 69 5.825 7.709 9.494 11.284 13.116 15.040 17.125 19.506 70 6.466 8.173 10.026 12.033 14.253 16.632 19.243 22.134 71 7.104 8.988 11.012 13.212 15.615 18.214 21.072 24.231 72 7.809 9.871 12.090 14.478 17.106 19.950 23.074 26.519 73 8.564 10.824 13.232 15.838 18.709 21.814 25.214 28.984 74 9.241 11.655 14.238 17.040 20.126 23.456 27.115 31.164 75 9.771 12.316 15.048 18.005 21.254 24.771 28.633 32.891 76 10.210 12.868 15.718 18.799 22.192 25.862 29.877 34.310 77 10.658 13.429 16.397 19.612 23.148 26.961 31.138 35.745 78 11.350 14.295 17.455 20.875 24.624 28.673 33.104 37.989 79 12.368 15.578 19.019 22.732 26.808 31.205 36.015 41.310 80 13.419 16.899 20.620 24.638 29.046 33.798 38.990 44.709 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0._44 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.011 21 7 0.683 0.838 0.996 1.139 1.254 1.306 0.990 0.973 22 8 0.842 0.998 1.138 1.250 1.299 0.973 0.954 0.946 23 9 1.001 1.139 1.248 1.294 0.959 0.939 0.929 0.926 24 10 1.139 1.246 1.291 0.946 0.925 0.915 0.911 0.893 25 11 1.223 1.262 0.914 0.890 0.877 0.871 0.851 0.839 26 12 1.231 0.879 0.854 0.838 0.829 0.807 0.794 0.768 27 13 0.856 0.819 0.801 0.789 0.765 0.748 0.721 0.727 28 14 0.801 0.773 0.759 0.733 0.715 0.687 0.690 0.689 29 15 0.761 0.730 0.709 0.688 0.658 0.660 0.656 0.648 30 16 0.723 0.693 0.664 0.640 0.640 0.635 0.626 0.620 31 17 0.685 0.655 0.629 0.629 0.624 0.614 0.607 0.5_7 32 18 0.643 0.622 0.587 0.593 0.589 0.588 0.577 0.547 33 19 0.597 0.574 0.549 0.558 0.562 0.566 0.546 0.527 34 20 0.543 0.535 0.508 0.524 0.529 0.529 0.522 0.512 35 21 0.579 0.583 0.562 0.562 0.550 0.539 0.534 0.505 36 22 0.517 0.531 0.525 0.515 0.516 0.521 0.515 0.505 37 23 0.470 0.490 0.487 0.486 0.503 0.509 0.514 0.534 38 24 0.437 0.452 0.465 0.472 0.490 0.512 0.539 0.570 39 25 0.417 0.436 0.460 0.473 0.505 0.547 0.581 0.620 40 26 0.418 0.446 0.468 0.498 0.542 0.594 0.639 0.682 41 27 0.439 0.464 0.495 0.540 0.593 0.652 0.705 0.751 42 28 0.462 0.497 0.537 0.588 0.645 0.712 0.772 0.836 43 29 0.503 0.553 0.599 0.649 0.711 0.781 0.854 0.928 44 30 0.553 0.609 0.659 0.715 0.780 0.862 0.941 1.038 45 31 0.602 0.660 0.716 0.780 0.858 0.947 1.043 1.163 46 32 0.648 0.714 0.779 0.858 0.943 1.049 1.168 1.309 47 33 0.695 0.770 0.849 0.935 1.044 1.176 1.316 1.469 48 34 0.736 0.816 0.907 1.015 1.154 1.312 1.468 1.659 49 35 0.805 0.886 0.996 1.128 1.289 1.465 1.646 1.873 50 36 0.888 0.984 1.114 1.263 1.441 1.642 1.850 2.094 51 37 0.991 1.103 1.246 1.407 1.604 1.832 2.069 2.326 52 38 1.110 1.235 1.384 1.562 1.777 2.032 2.316 2.600 53 39 1.244 1.374 1.538 1.729 1.964 2.257 2.596 2.916 54 40 1.383 1.532 1.706 1.912 2.178 2.512 2.910 3.307 55 41 1.533 1.698 1.890 2.126 2.426 2.805 3.271 3.769 56 42 1.692 1.877 2.102 2.377 2.715 3.148 3.679 4.291 57 43 1.848 2.074 2.340 2.662 3.056 3.540 4.137 4.814 58 44 2.015 2.286 2.605 2.989 3.443 3.988 4.608 5.397 59 45 2.204 2.523 2.908 3.355 3.879 4.456 5.158 6.005 60 46 2.432 2.797 3.241 3.757 4.330 4.995 5.765 6.663 61 47 2.727 3.117 3.616 4.173 4.840 5.587 6.437 7.401 62 48 3.077 3.487 4.006 4.642 5.388 6.226 7.187 8.260 63 49 3.467 3.881 4.456 5.149 5.975 6.927 8.020 9.241 64 50 3.859 4.323 4.935 5.689 6.610 7.688 8.937 10.315 65 51 4.283 4.787 5.458 6.305 7.351 8.604 10.051 11.663 66 52 4.711 5.261 6.031 7.007 8.229 9.692 11.402 13.322 67 53 5.131 5.739 6.620 7.735 9.110 10.760 12.717 15.042 68 54 5.550 6.235 7.262 8.558 10.134 12.028 14.393 17.084 69 55 5.988 6.760 7.931 9.403 11.178 13.383 16.078 19.080 70 56 6.450 7.318 8.654 10.326 12.395 14.892 17.969 21.469 71 57 6.940 7.929 9.424 11.341 13.650 16.441 19.872 23.907 72 58 7.498 8.607 10.309 12.443 15.033 18.163 22.030 26.340 73 59 8.166 9.402 11.304 13.705 16.660 20.282 24.543 29.449 74 60 8.967 10.288 12.374 15.019 18.340 22.283 27.047 32.448 75 61 9.859 11.274 13.590 16.565 20.222 24.732 30.078 36.267 76 62 10.840 12.373 14.920 18.103 22.167 27.130 33.050 39.983 77 63 11.865 13.556 16.314 19.881 24.417 30.017 36.689 44.671 78 64 12.967 14.767 17.839 21.790 26.882 33.176 40.666 49.769 79 65 14.170 16.166 19.543 23.947 29.626 36.661 45.024 55.186 80 66 15.622 17.804 21.551 26.438 32.724 40.501 49.800 60.839 81 67 17.384 19.812 23.969 29.349 36.231 44.765 55.031 67.040 82 68 19.580 22.285 26.891 32.751 40.222 49.483 60.721 73.762 83 69 22.222 25.236 30.316 36.670 44.694 54.638 66.888 81.449 84 70 25.286 28.631 34.245 41.081 49.626 60.251 73.546 89.994 85 71 27.670 31.335 37.565 45.138 54.623 66.417 81.186 99.462 86 72 30.289 34.292 41.285 49.819 60.508 73.824 90.508 111.185 87 73 33.096 37.448 45.298 54.878 66.895 81.866 100.665 124.774 88 74 35.565 40.234 48.763 59.182 72.256 88.556 109.650 136.123 89 75 37.527 42.435 51.539 62.661 76.616 94.528 117.243 145.811 90 76 39.130 44.234 53.700 65.264 80.156 98.903 122.716 152.647 91 77 40.753 46.048 55.884 68.185 83.751 103.379 128.295 159.617 92 78 43.291 48.900 59.548 72.662 89.285 110.232 136.825 168.827 93 79 47.061 53.313 64.927 79.257 97.408 120.283 148.146 182.794 94 80 51.055 57.843 70.471 86.041 105.766 129.659 159.693 197.022 95
PREFERRED NON-SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ----- ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.409 15 0.317 0.382 0.442 0.492 0.527 0.548 0.411 0.393 16 0.384 0.444 0.475 0.506 0.527 0.406 0.395 0.379 17 0.451 0.482 0.498 0.514 0.404 0.392 0.379 0.367 18 0.460 0.486 0.502 0.391 0.393 0.373 0.360 0.351 19 0.449 0.480 0.374 0.372 0.367 0.347 0.338 0.329 20 0.426 0.349 0.355 0.350 0.341 0.318 0.316 0.306 21 0.308 0.338 0.347 0.340 0.329 0.307 0.311 0.308 22 0.294 0.325 0.339 0.332 0.321 0.306 0.304 0.300 23 0.287 0.315 0.334 0.327 0.319 0.306 0.303 0.302 24 0.276 0.305 0.324 0.324 0.319 0.309 0.305 0.308 25 0.268 0.293 0.316 0.320 0.322 0.314 0.314 0.321 26 0.255 0.280 0.302 0.309 0.318 0.318 0.321 0.330 27 0.256 0.275 0.296 0.310 0.323 0.331 0.340 0.351 28 0.260 0.278 0.297 0.315 0.331 0.345 0.357 0.378 29 0.268 0.284 0.302 0.324 0.346 0.363 0.385 0.410 30 0.278 0.298 0.320 0.340 0.366 0.392 0.415 0.447 31 0.284 0.311 0.332 0.358 0.386 0.417 0.447 0.486 32 0.286 0.315 0.342 0.370 0.402 0.436 0.478 0.523 33 0.280 0.315 0.347 0.383 0.422 0.463 0.511 0.559 34 0.271 0.315 0.355 0.397 0.445 0.493 0.543 0.596 35 0.271 0.323 0.371 0.425 0.477 0.531 0.585 0.645 36 0.271 0.334 0.393 0.455 0.516 0.573 0.637 0.703 37 0.280 0.351 0.420 0.491 0.558 0.623 0.692 0.767 38 0.301 0.383 0.466 0.545 0.620 0.691 0.767 0.854 39 0.328 0.427 0.518 0.605 0.686 0.767 0.853 0.951 40 0.354 0.466 0.566 0.662 0.747 0.832 0.931 1.040 41 0.379 0.503 0.618 0.720 0.812 0.907 1.011 1.124 42 0.411 0.552 0.678 0.792 0.899 1.004 1.115 1.239 43 0.435 0.587 0.725 0.852 0.968 1.080 1.196 1.329 44 0.459 0.621 0.774 0.913 1.034 1.153 1.279 1.419 45 0.483 0.660 0.824 0.976 1.105 1.233 1.369 1.520 46 0.508 0.697 0.875 1.042 1.187 1.326 1.474 1.643 47 0.534 0.741 0.934 1.117 1.285 1.438 1.601 1.786 48 0.558 0.788 1.002 1.205 1.402 1.579 1.758 1.966 49 0.584 0.839 1.077 1.306 1.534 1.737 1.946 2.177 50 0.608 0.898 1.161 1.416 1.669 1.907 2.146 2.403 51 0.651 0.982 1.282 1.566 1.852 2.128 2.402 2.680 52 0.700 1.076 1.411 1.728 2.040 2.349 2.645 2.952 53 0.752 1.173 1.547 1.891 2.231 2.552 2.872 3.208 54 0.813 1.279 1.689 2.061 2.418 2.749 3.088 3.450 55 0.880 1.398 1.848 2.242 2.615 2.958 3.306 3.695 56 0.961 1.533 2.025 2.447 2.833 3.180 3.549 3.968 57 1.061 1.692 2.232 2.685 3.073 3.441 3.839 4.284 58 1.178 1.884 2.481 2.962 3.370 3.768 4.193 4.663 59 1.317 2.109 2.765 3.286 3.731 4.162 4.614 5.101 60 1.477 2.358 3.081 3.647 4.148 4.612 5.088 5.592 61 1.660 2.625 3.417 4.045 4.601 5.096 5.599 6.131 62 1.867 2.903 3.764 4.472 5.064 5.599 6.138 6.715 63 2.098 3.224 4.154 4.918 5.533 6.101 6.680 7.307 64 2.360 3.605 4.596 5.382 6.020 6.620 7.233 7.914 65 2.653 4.009 5.062 5.861 6.538 7.173 7.832 8.593 66 2.972 4.407 5.518 6.352 7.089 7.788 8.528 9.435 67 3.324 4.769 5.924 6.846 7.686 8.495 9.391 10.464 68 3.708 5.102 6.290 7.337 8.333 9.342 10.446 11.736 69 4.127 5.433 6.648 7.833 9.051 10.318 11.696 13.279 70 4.575 5.749 6.995 8.342 9.817 11.399 13.140 15.062 71 5.020 6.303 7.669 9.137 10.741 12.475 14.376 16.427 72 5.504 6.906 8.395 9.994 11.752 13.645 15.683 17.916 73 6.019 7.547 9.166 10.914 12.829 14.864 17.077 19.505 74 6.469 8.102 9.841 11.714 13.749 15.927 18.294 20.884 75 6.817 8.539 10.371 12.331 14.469 16.755 19.237 21.956 76 7.100 8.891 10.792 12.830 15.048 17.419 19.995 22.818 77 7.383 9.244 11.219 13.333 15.630 18.089 20.761 23.685 78 7.832 9.806 11.897 14.132 16.563 19.166 21.991 25.083 79 8.505 10.645 12.908 15.329 17.965 20.782 23.839 27.188 80 9.192 11.498 13.940 16.553 19.393 22.429 25.727 29.337 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------ ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.415 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.414 0.398 22 8 0.371 0.436 0.488 0.527 0.538 0.412 0.397 0.383 23 9 0.438 0.491 0.530 0.541 0.410 0.395 0.382 0.371 24 10 0.493 0.532 0.543 0.409 0.394 0.380 0.370 0.357 25 11 0.535 0.546 0.407 0.392 0.379 0.369 0.356 0.347 26 12 0.549 0.405 0.390 0.378 0.368 0.355 0.346 0.329 27 13 0.407 0.389 0.376 0.367 0.355 0.345 0.329 0.334 28 14 0.391 0.375 0.366 0.354 0.345 0.328 0.334 0.335 29 15 0.377 0.361 0.353 0.344 0.328 0.334 0.335 0.337 30 16 0.364 0.352 0.340 0.328 0.334 0.335 0.337 0.339 31 17 0.354 0.342 0.329 0.335 0.337 0.339 0.340 0.333 32 18 0.342 0.332 0.319 0.327 0.333 0.337 0.335 0.326 33 19 0.322 0.316 0.306 0.318 0.326 0.333 0.330 0.326 34 20 0.304 0.304 0.296 0.310 0.318 0.326 0.330 0.330 35 21 0.310 0.314 0.312 0.321 0.328 0.336 0.346 0.348 36 22 0.306 0.313 0.317 0.323 0.335 0.349 0.364 0.372 37 23 0.308 0.319 0.325 0.332 0.349 0.367 0.380 0.406 38 24 0.317 0.330 0.344 0.352 0.375 0.398 0.425 0.455 39 25 0.332 0.348 0.367 0.384 0.412 0.449 0.479 0.513 40 26 0.343 0.364 0.387 0.413 0.450 0.493 0.530 0.564 41 27 0.371 0.396 0.421 0.458 0.500 0.547 0.587 0.620 42 28 0.401 0.431 0.464 0.503 0.549 0.600 0.644 0.689 43 29 0.437 0.481 0.517 0.557 0.604 0.657 0.711 0.766 44 30 0.489 0.537 0.576 0.618 0.667 0.727 0.786 0.855 45 31 0.537 0.589 0.632 0.679 0.736 0.803 0.871 0.954 46 32 0.577 0.634 0.680 0.737 0.800 0.874 0.955 1.051 47 33 0.615 0.678 0.737 0.802 0.881 0.975 1.073 1.177 48 34 0.656 0.724 0.794 0.873 0.974 1.088 1.195 1.327 49 35 0.714 0.786 0.865 0.959 1.074 1.195 1.316 1.467 50 36 0.775 0.855 0.946 1.052 1.175 1.312 1.448 1.609 51 37 0.846 0.936 1.037 1.146 1.280 1.433 1.588 1.749 52 38 0.945 1.047 1.146 1.262 1.402 1.568 1.746 1.920 53 39 1.057 1.162 1.270 1.395 1.552 1.742 1.963 2.157 54 40 1.150 1.268 1.380 1.514 1.685 1.904 2.158 2.399 55 41 1.248 1.377 1.505 1.660 1.862 2.115 2.422 2.740 56 42 1.376 1.523 1.674 1.861 2.088 2.378 2.730 3.127 57 43 1.474 1.650 1.837 2.060 2.331 2.661 3.066 3.520 58 44 1.575 1.786 2.014 2.286 2.604 2.985 3.414 3.944 59 45 1.691 1.936 2.214 2.535 2.910 3.322 3.807 4.390 60 46 1.831 2.105 2.429 2.806 3.225 3.695 4.241 4.869 61 47 2.014 2.301 2.659 3.060 3.525 4.046 4.631 5.290 62 48 2.228 2.524 2.891 3.328 3.840 4.408 5.055 5.769 63 49 2.460 2.756 3.143 3.609 4.161 4.792 5.510 6.304 64 50 2.685 2.999 3.416 3.926 4.549 5.274 6.111 7.038 65 51 2.979 3.322 3.767 4.328 5.018 5.839 6.789 7.840 66 52 3.277 3.650 4.140 4.759 5.528 6.449 7.514 8.689 67 53 3.568 3.980 4.530 5.223 6.077 7.091 8.275 9.593 68 54 3.858 4.321 4.941 5.723 6.662 7.770 9.076 10.506 69 55 4.161 4.682 5.385 6.259 7.293 8.505 9.946 11.468 70 56 4.478 5.070 5.863 6.837 7.977 9.311 10.895 12.613 71 57 4.821 5.496 6.381 7.466 8.730 10.199 11.947 13.904 72 58 5.210 5.963 6.944 8.144 9.544 11.177 13.117 15.392 73 59 5.672 6.483 7.555 8.865 10.423 12.252 14.506 17.039 74 60 6.202 7.060 8.218 9.647 11.375 13.510 16.038 18.854 75 61 6.790 7.692 8.980 10.585 12.638 15.127 18.041 21.368 76 62 7.425 8.391 9.821 11.687 14.044 16.901 20.279 24.182 77 63 8.083 9.128 10.818 12.990 15.751 19.149 23.163 27.743 78 64 8.776 9.960 11.859 14.306 17.460 21.334 25.748 31.048 79 65 9.602 10.911 13.080 15.918 19.570 23.944 29.088 35.265 80 66 10.587 12.031 14.469 17.647 21.616 26.488 32.242 38.987 81 67 11.789 13.405 16.192 19.707 24.188 29.702 36.275 43.918 82 68 13.289 15.088 18.121 21.968 26.842 32.841 40.087 48.444 83 69 15.084 17.022 20.459 24.735 30.107 36.754 44.922 54.595 84 70 17.099 19.245 23.133 27.850 33.743 41.063 50.207 61.506 85 71 18.646 20.981 25.392 30.761 37.482 45.837 56.298 69.261 86 72 20.332 22.864 27.965 34.200 42.009 51.748 63.977 79.169 87 73 22.123 24.872 30.749 37.939 46.967 58.248 72.454 90.785 88 74 23.681 26.623 33.134 41.118 51.161 63.728 80.088 100.725 89 75 24.895 27.976 35.058 43.759 54.706 68.845 86.868 109.657 90 76 25.862 29.058 36.411 45.441 57.123 71.909 90.777 114.627 91 77 26.840 30.153 37.779 47.383 59.583 75.043 94.762 119.718 92 78 28.420 31.925 40.179 50.407 63.418 79.897 100.943 126.562 93 79 30.903 34.739 43.733 54.894 69.084 87.079 109.239 136.951 94 80 33.352 37.626 47.391 59.504 74.923 93.819 117.683 147.537 95
PREFERRED SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.220 15 0.693 0.830 0.954 1.055 1.124 1.162 1.211 1.168 16 0.840 0.963 1.021 1.078 1.113 1.188 1.162 1.130 17 0.966 1.023 1.048 1.072 1.164 1.136 1.112 1.088 18 0.966 1.011 1.034 1.112 1.124 1.077 1.052 1.035 19 0.924 0.979 1.053 1.055 1.049 1.003 0.986 0.966 20 0.861 0.973 0.996 0.990 0.973 0.914 0.914 0.903 21 0.805 0.900 0.946 0.949 0.940 0.896 0.937 0.950 22 0.714 0.808 0.862 0.864 0.853 0.840 0.854 0.874 23 0.643 0.722 0.781 0.781 0.788 0.773 0.793 0.824 24 0.567 0.640 0.694 0.718 0.723 0.725 0.746 0.778 25 0.516 0.575 0.641 0.665 0.693 0.705 0.728 0.764 26 0.486 0.550 0.607 0.644 0.691 0.715 0.742 0.778 27 0.485 0.534 0.596 0.651 0.701 0.738 0.776 0.818 28 0.495 0.549 0.612 0.671 0.726 0.773 0.818 0.875 29 0.526 0.582 0.642 0.706 0.773 0.828 0.888 0.955 30 0.560 0.621 0.685 0.746 0.820 0.890 0.952 1.038 31 0.583 0.656 0.717 0.792 0.863 0.943 1.023 1.129 32 0.602 0.680 0.756 0.829 0.910 1.000 1.113 1.233 33 0.605 0.697 0.779 0.870 0.970 1.081 1.208 1.342 34 0.592 0.697 0.796 0.903 1.027 1.151 1.289 1.437 35 0.599 0.724 0.842 0.982 1.115 1.261 1.410 1.575 36 0.616 0.771 0.922 1.080 1.244 1.404 1.580 1.764 37 0.658 0.836 1.014 1.204 1.389 1.570 1.764 1.977 38 0.716 0.922 1.140 1.352 1.558 1.757 1.973 2.219 39 0.788 1.042 1.282 1.517 1.741 1.968 2.211 2.470 40 0.878 1.172 1.442 1.708 1.948 2.194 2.458 2.746 41 0.970 1.303 1.621 1.910 2.176 2.437 2.715 3.022 42 1.064 1.445 1.795 2.119 2.407 2.690 2.989 3.324 43 1.158 1.580 1.974 2.321 2.640 2.946 3.266 3.619 44 1.254 1.720 2.147 2.534 2.870 3.205 3.544 3.910 45 1.361 1.863 2.329 2.759 3.125 3.481 3.840 4.218 46 1.463 2.006 2.519 3.003 3.413 3.789 4.169 4.593 47 1.566 2.174 2.743 3.273 3.743 4.146 4.562 5.025 48 1.669 2.359 2.993 3.577 4.121 4.588 5.043 5.550 49 1.783 2.557 3.262 3.916 4.546 5.083 5.603 6.162 50 1.893 2.775 3.552 4.283 4.985 5.604 6.200 6.816 51 2.008 2.998 3.869 4.666 5.429 6.132 6.794 7.449 52 2.130 3.238 4.193 5.052 5.863 6.628 7.334 8.014 53 2.259 3.478 4.512 5.421 6.279 7.056 7.776 8.507 54 2.403 3.721 4.830 5.787 6.669 7.425 8.169 8.970 55 2.554 3.987 5.176 6.168 7.046 7.804 8.575 9.419 56 2.735 4.282 5.557 6.577 7.456 8.226 9.026 9.922 57 2.955 4.631 5.983 7.050 7.931 8.730 9.575 10.498 58 3.215 5.037 6.497 7.625 8.526 9.376 10.249 11.188 59 3.513 5.509 7.099 8.292 9.258 10.149 11.044 11.976 60 3.848 6.037 7.756 9.029 10.089 11.009 11.917 12.851 61 4.240 6.592 8.438 9.814 10.955 11.904 12.835 13.826 62 4.676 7.149 9.108 10.621 11.800 12.802 13.798 14.855 63 5.155 7.782 9.841 11.430 12.619 13.675 14.725 15.864 64 5.682 8.519 10.654 12.244 13.451 14.539 15.639 16.855 65 6.253 9.270 11.487 13.056 14.309 15.448 16.606 17.966 66 6.854 9.975 12.254 13.853 15.205 16.437 17.740 19.221 67 7.505 10.559 12.872 14.623 16.148 17.581 19.044 20.777 68 8.184 11.048 13.381 15.345 17.158 18.859 20.659 22.842 69 8.905 11.511 13.840 16.047 18.188 20.322 22.683 25.313 70 9.655 11.914 14.258 16.687 19.258 22.029 24.972 28.133 71 10.356 12.782 15.270 17.851 20.682 23.637 26.784 30.152 72 11.105 13.688 16.335 19.176 22.198 25.358 28.713 32.293 73 11.876 14.625 17.526 20.552 23.781 27.144 30.703 34.524 74 12.486 15.437 18.477 21.659 25.044 28.562 32.298 36.286 75 12.942 15.983 19.126 22.405 25.882 29.506 33.339 37.423 76 13.249 16.356 19.559 22.892 26.433 30.113 33.994 38.124 77 13.547 16.711 19.967 23.361 26.952 30.676 34.600 38.762 78 14.123 17.408 20.792 24.305 28.016 31.860 35.898 40.182 79 15.061 18.556 22.145 25.864 29.787 33.838 38.094 42.595 80 15.984 19.676 23.460 27.377 31.497 35.750 40.203 44.910 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.566 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.517 1.530 22 8 0.842 0.998 1.138 1.250 1.299 1.477 1.486 1.509 23 9 1.001 1.139 1.248 1.294 1.441 1.447 1.468 1.502 24 10 1.139 1.246 1.291 1.406 1.412 1.431 1.463 1.478 25 11 1.223 1.262 1.343 1.343 1.357 1.384 1.394 1.414 26 12 1.231 1.278 1.274 1.283 1.304 1.310 1.324 1.326 27 13 1.243 1.209 1.213 1.227 1.228 1.236 1.233 1.287 28 14 1.181 1.157 1.167 1.164 1.168 1.162 1.210 1.256 29 15 1.139 1.111 1.114 1.113 1.102 1.145 1.185 1.237 30 16 1.099 1.076 1.063 1.059 1.099 1.135 1.183 1.220 31 17 1.063 1.036 1.031 1.069 1.103 1.149 1.183 1.179 32 18 1.016 1.007 0.986 1.038 1.092 1.133 1.148 1.128 33 19 0.966 0.954 0.950 1.022 1.073 1.115 1.115 1.111 34 20 0.902 0.915 0.921 0.990 1.032 1.069 1.090 1.085 35 21 0.991 1.045 1.050 1.084 1.101 1.114 1.120 1.093 36 22 0.926 0.980 1.001 1.020 1.054 1.081 1.104 1.103 37 23 0.867 0.923 0.953 0.982 1.033 1.080 1.110 1.185 38 24 0.823 0.874 0.930 0.960 1.029 1.095 1.184 1.278 39 25 0.807 0.862 0.925 0.982 1.069 1.189 1.289 1.408 40 26 0.827 0.887 0.960 1.043 1.166 1.305 1.438 1.568 41 27 0.873 0.942 1.026 1.149 1.289 1.451 1.605 1.742 42 28 0.938 1.017 1.131 1.264 1.421 1.606 1.774 1.953 43 29 1.030 1.151 1.274 1.416 1.587 1.776 1.976 2.189 44 30 1.151 1.280 1.421 1.578 1.756 1.973 2.198 2.463 45 31 1.264 1.407 1.564 1.737 1.944 2.190 2.451 2.747 46 32 1.382 1.541 1.714 1.922 2.158 2.440 2.732 3.080 47 33 1.500 1.675 1.882 2.118 2.403 2.723 3.066 3.442 48 34 1.601 1.789 2.032 2.311 2.644 3.025 3.405 3.872 49 35 1.764 1.963 2.244 2.557 2.942 3.364 3.805 4.345 50 36 1.967 2.192 2.497 2.852 3.274 3.758 4.249 4.820 51 37 2.206 2.444 2.783 3.163 3.632 4.166 4.717 5.283 52 38 2.461 2.727 3.079 3.498 3.998 4.584 5.207 5.838 53 39 2.747 3.021 3.406 3.849 4.386 5.024 5.772 6.463 54 40 3.040 3.354 3.755 4.223 4.798 5.528 6.386 7.205 55 41 3.357 3.696 4.128 4.633 5.283 6.093 7.057 8.068 56 42 3.684 4.053 4.531 5.121 5.835 6.722 7.798 9.016 57 43 3.991 4.420 4.986 5.661 6.458 7.427 8.608 9.947 58 44 4.293 4.815 5.479 6.250 7.149 8.214 9.428 10.887 59 45 4.642 5.247 6.013 6.891 7.906 9.024 10.302 11.839 60 46 5.057 5.719 6.583 7.576 8.677 9.875 11.253 12.874 61 47 5.576 6.261 7.211 8.273 9.470 10.796 12.315 14.017 62 48 6.181 6.875 7.855 8.986 10.303 11.791 13.478 15.336 63 49 6.836 7.523 8.531 9.739 11.196 12.860 14.744 16.803 64 50 7.480 8.182 9.234 10.546 12.143 13.990 16.089 18.368 65 51 8.107 8.855 10.008 11.459 13.239 15.334 17.723 20.331 66 52 8.713 9.538 10.840 12.485 14.513 16.918 19.680 22.722 67 53 9.302 10.199 11.664 13.495 15.737 18.384 21.477 25.078 68 54 9.862 10.862 12.531 14.624 17.134 20.107 23.760 27.836 69 55 10.431 11.532 13.404 15.730 18.493 21.869 25.939 30.367 70 56 11.003 12.228 14.318 16.900 20.044 23.783 28.317 33.355 71 57 11.596 12.969 15.253 18.143 21.573 25.647 30.570 36.235 72 58 12.265 13.774 16.311 19.455 23.207 27.659 33.062 38.930 73 59 13.068 14.708 17.479 20.931 25.106 30.132 35.917 42.407 74 60 14.027 15.728 18.690 22.391 26.963 32.280 38.565 45.806 75 61 15.073 16.836 20.037 24.094 28.989 34.908 42.043 50.160 76 62 16.187 18.036 21.461 25.674 30.963 37.539 45.261 54.164 77 63 17.295 19.278 22.883 27.473 33.433 40.692 49.213 59.245 78 64 18.440 20.477 24.380 29.518 36.064 44.051 53.403 64.592 79 65 19.650 21.843 26.182 31.782 38.929 47.656 57.858 70.059 80 66 21.107 23.583 28.287 34.368 42.096 51.520 62.600 75.497 81 67 23.026 25.710 30.816 37.350 45.610 55.702 67.619 81.295 82 68 25.409 28.326 33.846 40.788 49.528 60.187 72.908 87.353 83 69 28.245 31.403 37.340 44.672 53.797 64.941 78.434 94.133 84 70 31.465 34.864 41.258 48.919 58.371 69.937 84.164 101.453 85 71 33.694 37.325 44.240 52.524 62.745 75.238 90.624 109.302 86 72 36.078 39.927 47.512 56.615 67.832 81.573 98.484 119.033 87 73 38.535 42.608 50.910 60.862 73.149 88.180 106.711 131.214 88 74 40.465 44.707 53.485 64.023 77.020 92.926 114.176 140.564 89 75 41.699 46.016 55.140 66.078 79.561 97.435 119.877 147.801 90 76 42.432 46.788 56.005 67.047 81.762 100.103 123.169 151.840 91 77 43.106 47.480 56.779 68.807 83.886 102.712 126.362 155.768 92 78 44.638 49.120 59.430 72.001 87.786 107.473 132.212 163.147 93 79 47.273 52.604 63.628 77.093 93.983 115.053 141.754 174.907 94 80 50.376 56.043 67.793 82.128 100.116 122.811 151.300 186.653 95
PREFERRED SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.593 15 0.317 0.382 0.442 0.492 0.527 0.548 0.596 0.580 16 0.384 0.444 0.475 0.506 0.527 0.589 0.582 0.569 17 0.451 0.482 0.498 0.514 0.585 0.578 0.569 0.560 18 0.460 0.486 0.502 0.566 0.580 0.560 0.550 0.546 19 0.449 0.480 0.542 0.549 0.551 0.530 0.525 0.520 20 0.426 0.505 0.524 0.526 0.521 0.494 0.500 0.495 21 0.447 0.499 0.522 0.520 0.512 0.486 0.502 0.512 22 0.434 0.489 0.518 0.516 0.508 0.495 0.505 0.515 23 0.432 0.482 0.519 0.517 0.516 0.508 0.520 0.537 24 0.421 0.474 0.512 0.525 0.530 0.529 0.542 0.566 25 0.416 0.464 0.512 0.532 0.552 0.559 0.578 0.608 26 0.404 0.453 0.502 0.530 0.565 0.584 0.608 0.639 27 0.414 0.457 0.508 0.551 0.594 0.626 0.659 0.693 28 0.432 0.476 0.528 0.579 0.627 0.668 0.705 0.755 29 0.459 0.505 0.556 0.613 0.671 0.716 0.769 0.830 30 0.495 0.548 0.606 0.659 0.721 0.784 0.841 0.919 31 0.523 0.589 0.643 0.707 0.772 0.845 0.918 1.010 32 0.541 0.610 0.675 0.740 0.814 0.895 0.994 1.101 33 0.542 0.621 0.695 0.777 0.866 0.963 1.076 1.192 34 0.535 0.629 0.719 0.816 0.926 1.038 1.159 1.288 35 0.542 0.654 0.761 0.885 1.005 1.133 1.263 1.405 36 0.549 0.685 0.817 0.958 1.100 1.238 1.387 1.544 37 0.575 0.729 0.885 1.048 1.206 1.356 1.519 1.697 38 0.626 0.807 0.995 1.176 1.350 1.516 1.698 1.897 39 0.691 0.912 1.119 1.317 1.506 1.698 1.895 2.105 40 0.756 1.006 1.232 1.454 1.652 1.850 2.060 2.292 41 0.819 1.094 1.357 1.594 1.804 2.009 2.228 2.469 42 0.896 1.212 1.501 1.761 1.989 2.213 2.448 2.709 43 0.955 1.299 1.612 1.886 2.134 2.371 2.616 2.894 44 1.013 1.381 1.713 2.013 2.269 2.522 2.785 3.066 45 1.072 1.460 1.817 2.143 2.416 2.686 2.957 3.242 46 1.125 1.537 1.921 2.279 2.585 2.864 3.145 3.460 47 1.177 1.626 2.042 2.433 2.776 3.069 3.372 3.715 48 1.225 1.723 2.181 2.602 2.992 3.327 3.656 4.020 49 1.276 1.827 2.326 2.787 3.231 3.612 3.978 4.374 50 1.325 1.939 2.477 2.983 3.471 3.899 4.312 4.743 51 1.407 2.096 2.701 3.257 3.786 4.276 4.740 5.194 52 1.492 2.267 2.934 3.532 4.098 4.635 5.126 5.590 53 1.585 2.440 3.163 3.799 4.403 4.945 5.438 5.931 54 1.691 2.615 3.393 4.068 4.685 5.205 5.709 6.255 55 1.799 2.808 3.648 4.345 4.952 5.468 5.995 6.568 56 1.931 3.025 3.924 4.634 5.237 5.765 6.310 6.912 57 2.093 3.278 4.226 4.965 5.573 6.118 6.687 7.311 58 2.282 3.567 4.587 5.372 5.991 6.565 7.155 7.792 59 2.495 3.899 5.014 5.841 6.499 7.104 7.712 8.342 60 2.731 4.275 5.477 6.355 7.080 7.707 8.322 8.946 61 3.010 4.667 5.954 6.904 7.689 8.334 8.958 9.592 62 3.319 5.057 6.424 7.473 8.282 8.958 9.602 10.267 63 3.656 5.503 6.942 8.043 8.852 9.545 10.213 10.911 64 4.028 6.024 7.516 8.611 9.418 10.120 10.800 11.536 65 4.434 6.556 8.099 9.169 9.996 10.712 11.418 12.221 66 4.860 7.051 8.632 9.711 10.586 11.353 12.129 13.082 67 5.319 7.461 9.056 10.222 11.205 12.081 13.021 14.137 68 5.801 7.801 9.392 10.696 11.851 12.954 14.114 15.545 69 6.310 8.113 9.692 11.140 12.550 13.940 15.492 17.232 70 6.833 8.381 9.949 11.567 13.264 15.099 17.052 19.146 71 7.318 8.964 10.634 12.345 14.226 16.190 18.274 20.443 72 7.827 9.576 11.343 13.237 15.250 17.345 19.517 21.818 73 8.346 10.196 12.141 14.163 16.307 18.498 20.796 23.233 74 8.740 10.732 12.771 14.890 17.110 19.395 21.790 24.317 75 9.029 11.081 13.183 15.346 17.619 19.957 22.399 24.982 76 9.214 11.302 13.430 15.624 17.924 20.283 22.751 25.354 77 9.385 11.504 13.662 15.881 18.200 20.582 23.069 25.685 78 9.747 11.941 14.170 16.455 18.846 21.297 23.848 26.532 79 10.357 12.679 15.030 17.442 19.962 22.537 25.217 28.034 80 10.949 13.388 15.861 18.393 21.030 23.725 26.527 29.468 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------ ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.641 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.632 0.626 22 8 0.371 0.436 0.488 0.527 0.538 0.623 0.618 0.613 23 9 0.438 0.491 0.530 0.541 0.615 0.609 0.605 0.605 24 10 0.493 0.532 0.543 0.605 0.601 0.597 0.598 0.592 25 11 0.535 0.546 0.596 0.592 0.588 0.590 0.585 0.585 26 12 0.549 0.587 0.583 0.580 0.582 0.578 0.578 0.568 27 13 0.590 0.574 0.572 0.574 0.570 0.571 0.562 0.592 28 14 0.577 0.563 0.566 0.563 0.564 0.555 0.586 0.612 29 15 0.566 0.553 0.555 0.557 0.549 0.580 0.606 0.638 30 16 0.556 0.547 0.544 0.542 0.574 0.600 0.633 0.664 31 17 0.551 0.541 0.539 0.570 0.597 0.629 0.660 0.672 32 18 0.541 0.537 0.537 0.574 0.611 0.647 0.670 0.674 33 19 0.521 0.526 0.531 0.579 0.620 0.659 0.674 0.685 34 20 0.506 0.521 0.532 0.583 0.622 0.660 0.687 0.703 35 21 0.532 0.559 0.581 0.622 0.658 0.693 0.730 0.751 36 22 0.543 0.576 0.607 0.640 0.683 0.729 0.778 0.813 37 23 0.566 0.604 0.637 0.670 0.722 0.778 0.823 0.900 38 24 0.600 0.639 0.687 0.720 0.786 0.853 0.933 1.022 39 25 0.643 0.686 0.742 0.796 0.874 0.975 1.064 1.167 40 26 0.677 0.729 0.794 0.867 0.968 1.084 1.193 1.298 41 27 0.741 0.803 0.875 0.974 1.089 1.219 1.338 1.439 42 28 0.813 0.884 0.975 1.085 1.210 1.354 1.479 1.612 43 29 0.898 1.000 1.102 1.215 1.350 1.495 1.646 1.806 44 30 1.017 1.131 1.243 1.366 1.501 1.667 1.835 2.024 45 31 1.132 1.256 1.380 1.512 1.669 1.856 2.042 2.251 46 32 1.231 1.369 1.499 1.655 1.830 2.030 2.231 2.470 47 33 1.329 1.477 1.636 1.815 2.023 2.253 2.496 2.755 48 34 1.429 1.591 1.778 1.985 2.228 2.505 2.770 3.092 49 35 1.568 1.739 1.945 2.171 2.447 2.741 3.036 3.405 50 36 1.715 1.899 2.119 2.371 2.667 2.996 3.327 3.703 51 37 1.881 2.072 2.312 2.574 2.894 3.259 3.620 3.978 52 38 2.092 2.307 2.545 2.822 3.156 3.539 3.931 4.310 53 39 2.331 2.552 2.809 3.108 3.465 3.882 4.363 4.783 54 40 2.525 2.773 3.040 3.344 3.716 4.189 4.737 5.227 55 41 2.729 2.999 3.288 3.623 4.055 4.596 5.226 5.867 56 42 2.997 3.291 3.611 4.009 4.490 5.079 5.788 6.577 57 43 3.185 3.520 3.913 4.382 4.926 5.586 6.386 7.270 58 44 3.360 3.763 4.237 4.780 5.409 6.153 6.983 7.960 59 45 3.563 4.026 4.578 5.209 5.937 6.725 7.606 8.651 60 46 3.809 4.304 4.936 5.664 6.460 7.310 8.274 9.411 61 47 4.118 4.623 5.308 6.064 6.901 7.814 8.861 10.023 62 48 4.476 4.981 5.667 6.444 7.339 8.349 9.483 10.713 63 49 4.855 5.340 6.019 6.825 7.799 8.900 10.130 11.466 64 50 5.202 5.678 6.388 7.280 8.361 9.599 11.006 12.536 65 51 5.640 6.141 6.908 7.869 9.037 10.410 11.973 13.666 66 52 6.058 6.618 7.444 8.479 9.754 11.258 12.968 14.817 67 53 6.470 7.076 7.983 9.116 10.499 12.114 13.972 15.995 68 54 6.859 7.529 8.529 9.782 11.264 12.987 14.984 17.118 69 55 7.249 7.990 9.102 10.470 12.062 13.900 16.047 18.253 70 56 7.643 8.474 9.698 11.188 12.902 14.870 17.169 19.598 71 57 8.056 8.988 10.327 11.945 13.798 15.909 18.379 21.075 72 58 8.521 9.541 10.988 12.733 14.734 17.022 19.687 22.747 73 59 9.075 10.142 11.683 13.539 15.708 18.202 21.228 24.536 74 60 9.702 10.793 12.413 14.384 16.725 19.571 22.867 26.615 75 61 10.380 11.486 13.240 15.395 18.117 21.350 25.217 29.555 76 62 11.088 12.232 14.128 16.575 19.616 23.385 27.772 32.762 77 63 11.783 12.982 15.173 17.950 21.567 25.959 31.072 36.797 78 64 12.481 13.811 16.207 19.380 23.424 28.329 33.815 40.296 79 65 13.314 14.742 17.523 21.126 25.717 31.127 37.382 44.767 80 66 14.303 15.935 18.992 22.942 27.809 33.696 40.528 48.383 81 67 15.615 17.396 20.819 25.082 30.451 36.957 44.574 53.258 82 68 17.246 19.180 22.809 27.360 33.052 39.946 48.134 57.370 83 69 19.174 21.184 25.199 30.130 36.241 43.687 52.676 63.100 84 70 21.279 23.436 27.870 33.165 39.691 47.664 57.457 69.341 85 71 22.706 24.991 29.905 35.796 43.056 51.926 62.845 76.114 86 72 24.217 26.622 32.184 38.865 47.095 57.183 69.616 84.755 87 73 25.759 28.300 34.559 42.077 51.359 62.742 76.803 95.459 88 74 26.944 29.582 36.344 44.483 54.535 66.871 83.384 104.008 89 75 27.662 30.338 37.510 46.145 56.807 70.954 88.817 111.154 90 76 28.046 30.738 37.975 46.681 58.261 72.779 91.112 114.027 91 77 28.391 31.091 38.383 47.809 59.678 74.558 93.340 116.825 92 78 29.304 32.068 40.094 49.947 62.354 77.902 97.535 122.289 93 79 30.940 34.273 42.857 53.395 66.659 83.288 104.514 131.041 94 80 32.905 36.454 45.590 56.801 70.917 88.853 111.498 139.771 95
NON-SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.213 15 0.693 0.830 0.954 1.055 1.124 1.162 1.204 1.144 16 0.840 0.963 1.021 1.078 1.113 1.181 1.138 1.091 17 0.966 1.023 1.048 1.072 1.157 1.112 1.073 1.034 18 0.966 1.011 1.034 1.105 1.100 1.039 0.999 0.963 19 0.924 0.979 1.047 1.033 1.013 0.952 0.917 0.882 20 0.861 0.967 0.975 0.955 0.924 0.850 0.835 0.805 21 0.800 0.881 0.913 0.902 0.874 0.819 0.836 0.826 22 0.699 0.780 0.819 0.803 0.779 0.749 0.742 0.737 23 0.621 0.686 0.727 0.713 0.703 0.672 0.669 0.664 24 0.538 0.595 0.633 0.641 0.629 0.612 0.601 0.609 25 0.480 0.525 0.572 0.578 0.585 0.568 0.570 0.585 26 0.444 0.490 0.528 0.543 0.557 0.559 0.569 0.581 27 0.432 0.464 0.503 0.525 0.549 0.566 0.579 0.598 28 0.431 0.463 0.494 0.525 0.556 0.577 0.597 0.635 29 0.444 0.469 0.502 0.541 0.577 0.605 0.645 0.680 30 0.452 0.485 0.525 0.557 0.598 0.646 0.677 0.732 31 0.456 0.502 0.535 0.578 0.627 0.671 0.722 0.784 32 0.462 0.508 0.552 0.602 0.648 0.706 0.773 0.847 33 0.452 0.509 0.566 0.619 0.684 0.751 0.830 0.909 34 0.432 0.506 0.566 0.637 0.713 0.791 0.873 0.962 35 0.435 0.515 0.594 0.682 0.766 0.854 0.944 1.046 36 0.438 0.544 0.640 0.742 0.843 0.939 1.049 1.163 37 0.464 0.580 0.697 0.816 0.930 1.042 1.163 1.290 38 0.497 0.634 0.772 0.905 1.034 1.158 1.287 1.440 39 0.541 0.706 0.858 1.007 1.147 1.284 1.434 1.610 40 0.595 0.784 0.957 1.126 1.270 1.423 1.602 1.797 41 0.650 0.865 1.068 1.246 1.412 1.588 1.777 1.986 42 0.706 0.952 1.170 1.374 1.569 1.760 1.964 2.192 43 0.763 1.031 1.280 1.513 1.727 1.935 2.154 2.402 44 0.818 1.116 1.399 1.658 1.885 2.114 2.352 2.615 45 0.883 1.214 1.524 1.813 2.061 2.310 2.568 2.860 46 0.953 1.313 1.655 1.981 2.265 2.534 2.826 3.149 47 1.025 1.428 1.809 2.172 2.503 2.811 3.128 3.491 48 1.097 1.556 1.986 2.392 2.794 3.146 3.504 3.921 49 1.176 1.697 2.182 2.654 3.117 3.531 3.959 4.431 50 1.256 1.856 2.408 2.937 3.463 3.960 4.459 4.993 51 1.343 2.033 2.653 3.241 3.836 4.410 4.977 5.550 52 1.444 2.221 2.912 3.569 4.216 4.855 5.464 6.116 53 1.549 2.416 3.188 3.898 4.600 5.257 5.934 6.644 54 1.670 2.629 3.473 4.239 4.969 5.666 6.380 7.148 55 1.804 2.867 3.792 4.596 5.377 6.094 6.833 7.656 56 1.967 3.137 4.140 5.019 5.823 6.554 7.337 8.227 57 2.165 3.450 4.566 5.505 6.319 7.096 7.939 8.889 58 2.396 3.844 5.074 6.076 6.930 7.774 8.678 9.672 59 2.681 4.302 5.657 6.740 7.677 8.593 9.547 10.576 60 3.005 4.811 6.304 7.487 8.542 9.517 10.524 11.599 61 3.379 5.358 6.996 8.310 9.471 10.513 11.585 12.767 62 3.800 5.928 7.712 9.182 10.421 11.555 12.742 14.035 63 4.274 6.589 8.508 10.094 11.390 12.627 13.913 15.345 64 4.811 7.364 9.409 11.051 12.420 13.737 15.128 16.702 65 5.406 8.187 10.368 12.056 13.520 14.942 16.455 18.248 66 6.053 9.004 11.315 13.089 14.708 16.287 18.018 20.021 67 6.774 9.750 12.162 14.145 16.001 17.857 19.836 22.212 68 7.558 10.439 12.943 15.205 17.427 19.664 22.086 24.910 69 8.414 11.135 13.714 16.299 18.945 21.725 24.737 28.175 70 9.340 11.805 14.482 17.381 20.588 24.024 27.796 31.971 71 10.262 12.982 15.906 19.083 22.555 26.310 30.438 35.000 72 11.279 14.258 17.463 20.912 24.708 28.817 33.330 38.306 73 12.370 15.635 19.113 22.876 27.024 31.509 36.420 41.866 74 13.348 16.835 20.566 24.613 29.071 33.881 39.167 45.015 75 14.114 17.790 21.735 26.008 30.701 35.781 41.359 47.510 76 14.748 18.587 22.704 27.154 32.055 37.357 43.156 49.559 77 15.395 19.397 23.684 28.329 33.436 38.944 44.978 51.632 78 16.394 20.649 25.213 30.153 35.568 41.417 47.817 54.873 79 17.865 22.502 27.472 32.835 38.722 45.074 52.021 59.671 80 19.383 24.410 29.784 35.589 41.955 48.820 56.319 64.579 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.224 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.235 1.178 22 8 0.842 0.998 1.138 1.250 1.299 1.251 1.191 1.145 23 9 1.001 1.139 1.248 1.294 1.270 1.207 1.159 1.122 24 10 1.139 1.246 1.291 1.291 1.225 1.176 1.137 1.081 25 11 1.223 1.262 1.282 1.214 1.162 1.120 1.062 1.016 26 12 1.231 1.270 1.198 1.143 1.098 1.038 0.990 0.930 27 13 1.236 1.183 1.124 1.076 1.013 0.962 0.900 0.880 28 14 1.157 1.116 1.065 0.999 0.946 0.883 0.861 0.834 29 15 1.099 1.055 0.995 0.939 0.872 0.848 0.819 0.785 30 16 1.044 1.001 0.933 0.872 0.847 0.817 0.781 0.750 31 17 0.989 0.946 0.883 0.857 0.826 0.789 0.758 0.711 32 18 0.928 0.898 0.823 0.809 0.781 0.756 0.720 0.662 33 19 0.862 0.829 0.770 0.761 0.745 0.728 0.682 0.638 34 20 0.784 0.773 0.713 0.715 0.701 0.680 0.651 0.620 35 21 0.837 0.843 0.789 0.767 0.729 0.693 0.666 0.611 36 22 0.747 0.767 0.737 0.703 0.683 0.669 0.643 0.612 37 23 0.678 0.707 0.683 0.662 0.666 0.655 0.641 0.647 38 24 0.631 0.652 0.653 0.643 0.649 0.658 0.673 0.690 39 25 0.602 0.629 0.646 0.645 0.669 0.703 0.725 0.750 40 26 0.604 0.644 0.656 0.679 0.718 0.764 0.797 0.825 41 27 0.634 0.670 0.695 0.736 0.785 0.838 0.879 0.909 42 28 0.668 0.718 0.754 0.802 0.854 0.916 0.964 1.012 43 29 0.727 0.799 0.841 0.886 0.942 1.004 1.066 1.123 44 30 0.799 0.880 0.925 0.975 1.034 1.108 1.174 1.256 45 31 0.869 0.953 1.006 1.064 1.136 1.217 1.302 1.408 46 32 0.936 1.032 1.093 1.169 1.248 1.349 1.458 1.585 47 33 1.004 1.112 1.192 1.275 1.382 1.512 1.642 1.778 48 34 1.063 1.179 1.273 1.384 1.528 1.687 1.831 2.008 49 35 1.162 1.280 1.398 1.539 1.707 1.883 2.054 2.267 50 36 1.283 1.422 1.564 1.723 1.908 2.112 2.308 2.535 51 37 1.431 1.593 1.750 1.918 2.124 2.356 2.582 2.816 52 38 1.604 1.784 1.943 2.130 2.353 2.612 2.889 3.148 53 39 1.798 1.985 2.158 2.358 2.601 2.902 3.240 3.530 54 40 1.997 2.212 2.394 2.607 2.885 3.230 3.631 4.003 55 41 2.214 2.452 2.652 2.899 3.212 3.607 4.082 4.562 56 42 2.444 2.711 2.951 3.241 3.595 4.047 4.591 5.194 57 43 2.669 2.996 3.285 3.630 4.047 4.551 5.162 5.828 58 44 2.910 3.302 3.657 4.076 4.560 5.127 5.750 6.533 59 45 3.183 3.645 4.081 4.575 5.137 5.729 6.436 7.270 60 46 3.513 4.040 4.549 5.123 5.734 6.422 7.194 8.066 61 47 3.939 4.503 5.075 5.690 6.409 7.184 8.032 8.959 62 48 4.445 5.036 5.623 6.330 7.136 8.005 8.968 9.999 63 49 5.008 5.605 6.255 7.021 7.912 8.906 10.008 11.187 64 50 5.573 6.244 6.928 7.757 8.754 9.884 11.151 12.486 65 51 6.187 6.915 7.661 8.597 9.736 11.063 12.541 14.118 66 52 6.804 7.600 8.465 9.556 10.898 12.462 14.227 16.127 67 53 7.412 8.290 9.292 10.547 12.065 13.834 15.868 18.209 68 54 8.016 9.006 10.194 11.670 13.420 15.464 17.960 20.681 69 55 8.650 9.764 11.133 12.823 14.803 17.207 20.062 23.097 70 56 9.317 10.571 12.148 14.081 16.415 19.147 22.422 25.989 71 57 10.024 11.453 13.228 15.465 18.077 21.138 24.796 28.940 72 58 10.831 12.433 14.470 16.968 19.908 23.353 27.489 31.886 73 59 11.795 13.581 15.867 18.689 22.063 26.077 30.624 35.649 74 60 12.952 14.860 17.369 20.480 24.289 28.650 33.749 39.279 75 61 14.241 16.285 19.076 22.589 26.780 31.798 37.531 43.902 76 62 15.657 17.872 20.943 24.686 29.357 34.881 41.239 48.400 77 63 17.138 19.581 22.900 27.111 32.335 38.593 45.780 54.076 78 64 18.730 21.330 25.041 29.714 35.601 42.655 50.743 60.247 79 65 20.468 23.351 27.431 32.655 39.235 47.135 56.180 66.804 80 66 22.565 25.718 30.250 36.051 43.337 52.073 62.140 73.647 81 67 25.110 28.617 33.645 40.021 47.982 57.555 68.667 81.154 82 68 28.283 32.189 37.746 44.661 53.267 63.621 75.767 89.290 83 69 32.098 36.452 42.554 50.004 59.189 70.249 83.462 98.596 84 70 36.524 41.356 48.068 56.020 65.721 77.465 91.770 108.940 85 71 39.967 45.262 52.729 61.552 72.339 85.394 101.303 120.401 86 72 43.750 49.532 57.951 67.935 80.133 94.917 112.935 134.593 87 73 47.806 54.092 63.583 74.833 88.591 105.256 125.608 151.042 88 74 51.371 58.116 68.447 80.703 95.690 113.857 136.820 164.781 89 75 54.206 61.295 72.344 85.447 101.465 121.536 146.294 176.507 90 76 56.521 63.893 75.377 88.996 106.153 127.161 153.124 184.783 91 77 58.865 66.514 78.442 92.979 110.914 132.916 160.085 193.221 92 78 62.532 70.634 83.586 99.084 118.243 141.727 170.729 204.369 93 79 67.977 77.008 91.136 108.078 128.999 154.650 184.854 221.277 94 80 73.746 83.550 98.918 117.329 140.069 166.704 199.263 238.501 95
NON-SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.591 15 0.317 0.382 0.442 0.492 0.527 0.548 0.594 0.567 16 0.384 0.444 0.475 0.506 0.527 0.587 0.570 0.547 17 0.451 0.482 0.498 0.514 0.583 0.566 0.547 0.529 18 0.460 0.486 0.502 0.564 0.567 0.538 0.520 0.507 19 0.449 0.480 0.540 0.538 0.530 0.501 0.488 0.475 20 0.426 0.504 0.513 0.506 0.492 0.459 0.456 0.442 21 0.445 0.489 0.502 0.492 0.476 0.444 0.449 0.445 22 0.425 0.470 0.490 0.480 0.464 0.442 0.439 0.434 23 0.415 0.456 0.482 0.472 0.461 0.442 0.437 0.436 24 0.398 0.440 0.467 0.468 0.461 0.446 0.440 0.444 25 0.387 0.423 0.457 0.462 0.465 0.454 0.454 0.464 26 0.369 0.404 0.436 0.446 0.459 0.459 0.464 0.476 27 0.369 0.397 0.427 0.448 0.466 0.478 0.491 0.507 28 0.375 0.401 0.429 0.454 0.478 0.498 0.516 0.545 29 0.387 0.410 0.437 0.468 0.500 0.524 0.556 0.592 30 0.402 0.430 0.462 0.491 0.528 0.566 0.599 0.646 31 0.411 0.449 0.480 0.518 0.558 0.602 0.646 0.702 32 0.413 0.455 0.494 0.535 0.580 0.630 0.690 0.755 33 0.404 0.455 0.502 0.553 0.609 0.669 0.738 0.807 34 0.391 0.454 0.512 0.574 0.643 0.712 0.785 0.861 35 0.391 0.466 0.535 0.614 0.689 0.767 0.845 0.932 36 0.391 0.482 0.568 0.657 0.745 0.828 0.920 1.015 37 0.405 0.507 0.607 0.710 0.806 0.899 0.999 1.107 38 0.435 0.553 0.674 0.787 0.895 0.997 1.108 1.233 39 0.474 0.617 0.748 0.873 0.991 1.108 1.232 1.374 40 0.512 0.672 0.817 0.957 1.078 1.202 1.345 1.502 41 0.548 0.726 0.893 1.040 1.172 1.311 1.460 1.624 42 0.594 0.797 0.979 1.144 1.298 1.450 1.610 1.789 43 0.628 0.848 1.048 1.231 1.399 1.560 1.728 1.920 44 0.661 0.897 1.118 1.319 1.493 1.666 1.847 2.050 45 0.697 0.953 1.191 1.410 1.596 1.781 1.977 2.195 46 0.734 1.007 1.264 1.505 1.715 1.915 2.129 2.373 47 0.771 1.070 1.349 1.613 1.856 2.078 2.312 2.580 48 0.806 1.138 1.447 1.740 2.026 2.281 2.539 2.840 49 0.843 1.212 1.556 1.887 2.215 2.508 2.811 3.145 50 0.879 1.296 1.677 2.045 2.410 2.754 3.100 3.472 51 0.941 1.419 1.852 2.262 2.675 3.074 3.469 3.871 52 1.010 1.554 2.037 2.496 2.947 3.393 3.821 4.264 53 1.087 1.694 2.235 2.731 3.223 3.686 4.148 4.633 54 1.174 1.848 2.440 2.977 3.492 3.971 4.461 4.983 55 1.271 2.019 2.670 3.238 3.778 4.272 4.776 5.337 56 1.389 2.214 2.925 3.535 4.092 4.593 5.127 5.731 57 1.532 2.444 3.224 3.879 4.439 4.971 5.545 6.188 58 1.701 2.721 3.584 4.279 4.868 5.443 6.056 6.735 59 1.903 3.046 3.994 4.746 5.389 6.012 6.665 7.367 60 2.134 3.405 4.450 5.269 5.992 6.661 7.350 8.077 61 2.398 3.792 4.936 5.843 6.646 7.360 8.088 8.857 62 2.697 4.193 5.437 6.459 7.315 8.087 8.866 9.700 63 3.031 4.657 6.000 7.103 7.992 8.813 9.650 10.554 64 3.409 5.207 6.638 7.774 8.695 9.562 10.447 11.431 65 3.832 5.790 7.312 8.466 9.444 10.361 11.313 12.413 66 4.292 6.366 7.970 9.175 10.240 11.249 12.319 13.628 67 4.802 6.888 8.556 9.888 11.102 12.271 13.564 15.114 68 5.356 7.370 9.085 10.598 12.036 13.494 15.089 16.953 69 5.962 7.847 9.603 11.315 13.074 14.903 16.894 19.180 70 6.609 8.304 10.104 12.049 14.181 16.466 18.980 21.757 71 7.251 9.104 11.077 13.198 15.514 18.020 20.766 23.728 72 7.950 9.975 12.127 14.436 16.975 19.710 22.653 25.879 73 8.694 10.901 13.240 15.764 18.531 21.470 24.667 28.175 74 9.344 11.704 14.215 16.920 19.859 23.006 26.425 30.166 75 9.847 12.334 14.980 17.812 20.899 24.202 27.787 31.715 76 10.256 12.843 15.588 18.532 21.737 25.161 28.882 32.959 77 10.664 13.352 16.205 19.259 22.577 26.129 29.989 34.212 78 11.314 14.164 17.184 20.412 23.924 27.685 31.764 36.230 79 12.285 15.376 18.645 22.142 25.949 30.018 34.435 39.272 80 13.278 16.608 20.136 23.910 28.012 32.398 37.161 42.376 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------- ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.502 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.516 0.482 22 8 0.371 0.436 0.488 0.527 0.538 0.530 0.495 0.463 23 9 0.438 0.491 0.530 0.541 0.543 0.508 0.476 0.450 24 10 0.493 0.532 0.543 0.557 0.521 0.489 0.462 0.432 25 11 0.535 0.546 0.571 0.535 0.502 0.475 0.445 0.420 26 12 0.549 0.585 0.548 0.515 0.488 0.457 0.432 0.399 27 13 0.588 0.562 0.528 0.501 0.470 0.444 0.410 0.404 28 14 0.564 0.541 0.514 0.482 0.457 0.422 0.417 0.405 29 15 0.544 0.522 0.495 0.469 0.434 0.429 0.418 0.408 30 16 0.525 0.508 0.477 0.447 0.442 0.431 0.421 0.410 31 17 0.512 0.494 0.462 0.457 0.446 0.436 0.424 0.403 32 18 0.494 0.479 0.448 0.446 0.440 0.433 0.418 0.395 33 19 0.465 0.457 0.430 0.434 0.432 0.428 0.411 0.394 34 20 0.439 0.439 0.415 0.423 0.421 0.419 0.412 0.399 35 21 0.448 0.454 0.438 0.438 0.435 0.432 0.432 0.421 36 22 0.441 0.452 0.445 0.440 0.443 0.449 0.454 0.450 37 23 0.444 0.461 0.456 0.452 0.463 0.472 0.474 0.491 38 24 0.458 0.476 0.483 0.480 0.497 0.511 0.530 0.551 39 25 0.479 0.502 0.515 0.524 0.545 0.577 0.597 0.621 40 26 0.496 0.526 0.544 0.563 0.596 0.633 0.661 0.683 41 27 0.535 0.572 0.591 0.624 0.662 0.703 0.733 0.751 42 28 0.580 0.622 0.651 0.686 0.726 0.772 0.803 0.834 43 29 0.632 0.695 0.726 0.759 0.801 0.845 0.887 0.927 44 30 0.706 0.776 0.809 0.843 0.883 0.934 0.980 1.034 45 31 0.776 0.851 0.887 0.925 0.974 1.032 1.087 1.155 46 32 0.834 0.916 0.955 1.005 1.059 1.124 1.192 1.272 47 33 0.889 0.980 1.034 1.094 1.166 1.253 1.339 1.425 48 34 0.948 1.046 1.115 1.191 1.290 1.399 1.492 1.606 49 35 1.031 1.135 1.215 1.308 1.422 1.537 1.642 1.776 50 36 1.119 1.235 1.328 1.434 1.556 1.686 1.806 1.947 51 37 1.222 1.352 1.456 1.563 1.695 1.842 1.982 2.118 52 38 1.365 1.512 1.608 1.721 1.857 2.017 2.179 2.324 53 39 1.527 1.679 1.783 1.903 2.055 2.239 2.449 2.612 54 40 1.661 1.832 1.937 2.064 2.231 2.448 2.693 2.904 55 41 1.803 1.989 2.113 2.264 2.466 2.720 3.022 3.317 56 42 1.988 2.201 2.349 2.537 2.765 3.058 3.407 3.785 57 43 2.130 2.383 2.578 2.807 3.087 3.422 3.826 4.261 58 44 2.275 2.580 2.827 3.117 3.449 3.837 4.261 4.775 59 45 2.443 2.796 3.108 3.457 3.854 4.271 4.750 5.315 60 46 2.645 3.041 3.410 3.827 4.270 4.751 5.291 5.895 61 47 2.909 3.324 3.733 4.172 4.669 5.202 5.778 6.404 62 48 3.218 3.646 4.058 4.538 5.085 5.667 6.307 6.984 63 49 3.554 3.980 4.412 4.922 5.510 6.161 6.875 7.631 64 50 3.878 4.332 4.795 5.353 6.024 6.781 7.626 8.520 65 51 4.303 4.798 5.287 5.902 6.645 7.507 8.471 9.491 66 52 4.733 5.272 5.811 6.489 7.321 8.292 9.375 10.518 67 53 5.154 5.749 6.359 7.122 8.048 9.117 10.325 11.613 68 54 5.573 6.242 6.936 7.804 8.823 9.990 11.325 12.718 69 55 6.010 6.762 7.558 8.536 9.658 10.935 12.411 13.883 70 56 6.469 7.324 8.229 9.323 10.565 11.971 13.595 15.269 71 57 6.963 7.938 8.957 10.180 11.562 13.112 14.907 16.831 72 58 7.526 8.613 9.747 11.105 12.640 14.371 16.367 18.632 73 59 8.193 9.364 10.605 12.089 13.803 15.752 18.101 20.626 74 60 8.958 10.197 11.535 13.155 15.065 17.371 20.012 22.823 75 61 9.807 11.110 12.604 14.434 16.737 19.449 22.511 25.867 76 62 10.725 12.120 13.786 15.937 18.599 21.730 25.304 29.273 77 63 11.676 13.185 15.185 17.714 20.859 24.620 28.902 33.584 78 64 12.676 14.387 16.647 19.509 23.123 27.429 32.128 37.584 79 65 13.869 15.761 18.360 21.706 25.917 30.785 36.296 42.689 80 66 15.292 17.378 20.310 24.064 28.626 34.056 40.232 47.195 81 67 17.028 19.363 22.729 26.873 32.033 38.188 45.263 53.163 82 68 19.195 21.794 25.436 29.957 35.548 42.224 50.020 58.642 83 69 21.788 24.588 28.717 33.729 39.871 47.255 56.053 66.089 84 70 24.699 27.798 32.472 37.977 44.687 52.795 62.647 74.455 85 71 26.933 30.306 35.642 41.947 49.639 58.933 70.248 83.842 86 72 29.368 33.025 39.254 46.637 55.634 66.533 79.830 95.836 87 73 31.955 35.926 43.162 51.735 62.199 74.891 90.407 109.898 88 74 34.206 38.455 46.509 56.070 67.754 81.936 99.933 121.931 89 75 35.959 40.409 49.210 59.671 72.449 88.515 108.392 132.742 90 76 37.357 41.973 51.109 61.964 75.650 92.454 113.271 138.758 91 77 38.768 43.555 53.029 64.613 78.907 96.483 118.243 144.922 92 78 41.051 46.115 56.397 68.737 83.986 102.725 125.955 153.207 93 79 44.493 50.179 61.386 74.856 91.490 111.958 136.308 165.782 94 80 48.175 54.349 66.521 81.142 99.222 120.624 146.844 178.597 95
SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.891 15 0.693 0.830 0.954 1.055 1.124 1.162 1.878 1.811 16 0.840 0.963 1.021 1.078 1.113 1.841 1.802 1.752 17 0.966 1.023 1.048 1.072 1.803 1.760 1.723 1.687 18 0.966 1.011 1.034 1.723 1.742 1.670 1.631 1.605 19 0.924 0.979 1.633 1.635 1.627 1.554 1.528 1.498 20 0.861 1.508 1.544 1.534 1.508 1.416 1.416 1.399 21 1.247 1.396 1.467 1.471 1.457 1.389 1.453 1.473 22 1.107 1.253 1.336 1.338 1.322 1.302 1.323 1.354 23 0.997 1.120 1.211 1.210 1.222 1.198 1.229 1.277 24 0.879 0.992 1.075 1.113 1.121 1.123 1.156 1.206 25 0.799 0.892 0.994 1.030 1.073 1.093 1.129 1.184 26 0.753 0.852 0.941 0.998 1.071 1.108 1.150 1.206 27 0.752 0.828 0.924 1.010 1.087 1.144 1.203 1.268 28 0.768 0.850 0.949 1.041 1.125 1.199 1.268 1.356 29 0.815 0.902 0.995 1.094 1.198 1.284 1.376 1.481 30 0.868 0.962 1.062 1.156 1.270 1.379 1.475 1.608 31 0.904 1.016 1.111 1.227 1.338 1.461 1.586 1.749 32 0.934 1.054 1.172 1.285 1.411 1.550 1.725 1.911 33 0.938 1.080 1.208 1.349 1.503 1.676 1.873 2.080 34 0.917 1.080 1.233 1.400 1.592 1.785 1.998 2.228 35 0.929 1.122 1.306 1.522 1.728 1.954 2.185 2.442 36 0.955 1.194 1.428 1.674 1.928 2.175 2.449 2.735 37 1.020 1.296 1.571 1.866 2.153 2.433 2.735 3.065 38 1.110 1.429 1.766 2.095 2.415 2.723 3.058 3.440 39 1.221 1.615 1.988 2.351 2.698 3.051 3.427 3.829 40 1.361 1.816 2.236 2.648 3.019 3.401 3.810 4.256 41 1.504 2.020 2.513 2.961 3.373 3.777 4.208 4.685 42 1.649 2.239 2.782 3.284 3.730 4.169 4.633 5.152 43 1.795 2.449 3.060 3.598 4.092 4.566 5.062 5.610 44 1.943 2.667 3.328 3.927 4.448 4.967 5.494 6.061 45 2.109 2.887 3.611 4.277 4.844 5.395 5.953 6.538 46 2.267 3.110 3.904 4.655 5.291 5.873 6.461 7.118 47 2.427 3.369 4.251 5.073 5.801 6.426 7.070 7.789 48 2.588 3.657 4.639 5.544 6.387 7.112 7.817 8.603 49 2.763 3.963 5.057 6.069 7.046 7.879 8.685 9.551 50 2.934 4.301 5.506 6.639 7.727 8.687 9.610 10.565 51 3.113 4.647 5.997 7.232 8.415 9.505 10.531 11.546 52 3.301 5.020 6.498 7.831 9.087 10.273 11.367 12.421 53 3.501 5.390 6.994 8.402 9.732 10.936 12.053 13.187 54 3.725 5.768 7.486 8.969 10.337 11.508 12.663 13.904 55 3.958 6.180 8.022 9.561 10.921 12.096 13.292 14.600 56 4.239 6.637 8.613 10.194 11.557 12.750 13.991 15.379 57 4.580 7.178 9.273 10.927 12.293 13.531 14.841 16.273 58 4.983 7.807 10.071 11.819 13.216 14.533 15.885 17.341 59 5.446 8.538 11.004 12.853 14.350 15.731 17.118 18.563 60 6.965 9.358 12.022 13.995 15.638 17.063 18.471 19.919 61 6.573 10.217 13.079 15.212 16.981 18.451 19.894 21.430 62 7.247 11.081 14.118 16.463 18.290 19.843 21.388 23.025 63 7.990 12.062 15.254 17.717 19.560 21.196 22.824 24.589 64 8.806 13.204 16.514 18.978 20.848 22.536 24.241 26.126 65 9.693 14.368 17.805 20.237 22.180 23.944 25.739 27.847 66 10.624 15.462 18.993 21.471 23.569 25.477 27.497 29.792 67 11.633 16.366 19.952 22.666 25.030 27.250 29.518 32.204 68 12.686 17.125 20.741 23.784 26.595 29.232 32.021 35.406 69 13.803 17.843 21.452 24.873 28.191 31.498 35.159 39.235 70 14.966 18.467 22.100 25.864 29.850 34.146 38.706 43.607 71 16.052 19.811 23.669 27.668 32.058 36.637 41.516 46.735 72 17.212 21.216 25.320 29.723 34.407 39.305 44.505 50.054 73 18.408 22.668 27.166 31.856 36.860 42.074 47.590 53.512 74 19.353 23.928 28.639 33.571 38.818 44.272 50.062 56.243 75 20.060 24.774 29.646 34.728 40.117 45.734 51.675 58.006 76 20.537 25.352 30.316 35.483 40.972 46.674 52.690 59.092 77 20.998 25.901 30.948 36.209 41.775 47.547 53.629 60.0_1 78 21.891 26.982 32.227 37.674 43.426 49.384 55.642 62.283 79 23.344 28.762 34.324 40.089 46.171 52.450 59.046 66.022 80 24.774 30.498 36.364 42.435 48.820 55.412 62.314 69.611 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------- ------- ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.949 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.958 1.904 22 8 0.842 0.998 1.138 1.250 1.299 1.976 1.917 1.878 23 9 1.001 1.139 1.248 1.294 2.000 1.937 1.894 1.869 24 10 1.139 1.246 1.291 2.025 1.960 1.915 1.888 1.840 25 11 1.223 1.262 2.006 1.934 1.884 1.852 1.800 1.760 26 12 1.231 1.981 1.903 1.848 1.810 1.753 1.709 1.651 27 13 1.927 1.874 1.811 1.767 1.704 1.654 1.591 1.601 28 14 1.831 1.793 1.744 1.676 1.622 1.555 1.562 1.563 29 15 1.766 1.722 1.664 1.603 1.530 1.533 1.529 1.540 30 16 1.703 1.668 1.588 1.525 1.526 1.520 1.527 1.518 31 17 1.648 1.606 1.540 1.539 1.532 1.538 1.527 1.468 32 18 1.575 1.561 1.473 1.495 1.515 1.517 1.481 1.404 33 19 1.497 1.479 1.419 1.471 1.490 1.493 1.440 1.382 34 20 1.398 1.419 1.376 1.426 1.432 1.431 1.406 1.351 35 21 1.536 1.620 1.569 1.561 1.528 1.491 1.445 1.360 36 22 1.436 1.520 1.496 1.469 1.464 1.447 1.425 1.372 37 23 1.344 1.431 1.423 1.414 1.434 1.446 1.432 1.475 38 24 1.276 1.354 1.389 1.382 1.428 1.466 1.528 1.590 39 25 1.251 1.336 1.382 1.414 1.484 1.591 1.663 1.753 40 26 1.281 1.374 1.435 1.503 1.619 1.747 1.855 1.951 41 27 1.353 1.460 1.533 1.654 1.789 1.943 2.071 2.168 42 28 1.455 1.576 1.689 1.820 1.973 2.149 2.289 2.430 43 29 1.597 1.784 1.903 2.039 2.203 2.377 2.550 2.724 44 30 1.784 1.984 2.123 2.272 2.437 2.641 2.837 3.065 45 31 1.960 2.181 2.336 2.501 2.698 2.931 3.164 3.419 46 32 2.142 2.389 2.561 2.768 2.996 3.266 3.526 3.832 47 33 2.326 2.597 2.811 3.050 3.336 3.644 3.957 4.283 48 34 2.482 2.773 3.035 3.328 3.670 4.049 4.395 4.819 49 35 2.733 3.043 3.352 3.683 4.084 4.502 4.911 5.408 50 36 3.049 3.398 3.731 4.107 4.546 5.029 5.484 5.999 51 37 3.419 3.787 4.157 4.555 5.042 5.576 6.087 6.574 52 38 3.814 4.226 4.599 5.038 5.550 6.135 6.720 7.265 53 39 4.258 4.683 5.088 5.543 6.089 6.724 7.449 8.043 54 40 4.712 5.199 5.610 6.081 6.660 7.399 8.241 8.966 55 41 5.204 5.728 6.167 6.672 7.334 8.155 9.108 10.040 56 42 5.709 6.282 6.769 7.374 8.100 8.998 10.064 11.220 57 43 6.186 6.851 7.449 8.152 8.966 9.941 11.109 12.378 58 44 6.655 7.463 8.185 9.000 9.924 10.994 12.167 13.548 59 45 7.196 8.132 8.982 9.923 10.975 12.078 13.296 14.733 60 46 7.838 8.864 9.835 10.910 12.046 13.218 14.523 16.020 61 47 8.642 9.705 10.772 11.913 13.146 14.450 15.893 17.444 62 48 9.581 10.656 11.735 12.939 14.303 15.782 17.394 19.085 63 49 10.596 11.661 12.744 14.025 15.543 17.212 19.029 20.910 64 50 11.595 12.682 13.794 15.187 16.858 18.725 20.764 22.858 65 51 12.566 13.725 14.951 16.500 18.379 20.524 22.872 25.301 66 52 13.505 14.784 16.193 17.978 20.147 22.644 25.399 28.277 67 53 14.418 15.809 17.425 19.433 21.846 24.607 27.717 31.208 68 54 15.286 16.835 18.720 21.059 23.787 26.913 30.664 34.640 69 55 16.169 17.875 20.024 22.651 25.672 29.271 33.476 37.790 70 56 17.055 18.953 21.389 24.336 27.826 31.833 36.546 41.508 71 57 17.973 20.102 22.787 26.126 29.948 34.327 39.452 45.093 72 58 19.010 21.350 24.366 28.015 32.217 37.020 42.669 48.446 73 59 20.255 22.797 26.112 30.141 34.853 40.330 46.353 52.774 74 60 21.741 24.378 27.921 32.243 37.431 43.205 49.771 57.003 75 61 23.362 26.096 29.933 34.695 40.244 46.722 54.259 62.422 76 62 25.089 27.956 32.061 36.971 42.984 50.244 58.413 67.405 77 63 26.808 29.882 34.184 39.560 46.413 54.465 63.513 73.727 78 64 28.583 31.740 36.420 42.506 50.065 58.961 68.920 80.381 79 65 30.458 33.856 39.112 45.766 54.043 63.786 74.670 87.184 80 66 32.716 36.553 42.258 49.490 58.439 68.958 80.789 93.952 81 67 35.690 39.851 46.035 53.785 63.317 74.555 87.266 101.167 82 68 39.385 43.905 50.562 58.735 68.757 80.558 94.092 108.706 83 69 43.780 48.674 55.781 64.327 74.683 86.921 101.224 117.144 84 70 48.770 54.040 61.634 70.444 81.032 93.607 108.620 126.252 85 71 52.225 57.853 66.089 75.634 87.105 100.703 116.956 136.020 86 72 55.921 61.887 70.977 81.525 94.166 109.183 127.100 148.131 87 73 59.729 66.042 76.053 87.641 101.548 118.025 137.717 163.289 88 74 62.720 69.296 79.899 92.193 106.922 124.377 147.352 174.924 89 75 64.633 71.325 82.372 95.152 110.450 130.412 154.709 183.930 90 76 65.770 72.522 83.664 96.548 113.505 133.984 158.957 188.956 91 77 66.815 73.594 84.821 99.0_3 116.454 137.476 163.079 193.844 92 78 69.188 76.136 88.781 103.681 121.868 143.849 170.629 203.027 93 79 73.273 81.536 95.052 111.014 130.471 153.994 182.942 217.662 94 80 78.08_ 86.866 101.274 118.265 138.984 164._77 195.263 2_2.279 95
SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.919 15 0.317 0.382 0.442 0.492 0.527 0.548 0.924 0.898 16 0.384 0.444 0.475 0.506 0.527 0.912 0.903 0._82 17 0.451 0.482 0.498 0.514 0.907 0.896 0.882 0.869 18 0.460 0.486 0.502 0.877 0.898 0.867 0.853 0.846 19 0.449 0.480 0.839 0.852 0.854 0.822 0.814 0.806 20 0.426 0.783 0.813 0.815 0.808 0.766 0.775 0.768 21 0.692 0.774 0.809 0.807 0.794 0.754 0.779 0.793 22 0.672 0.757 0.803 0.800 0.787 0.766 0.782 0.798 23 0.669 0.747 0.805 0.802 0.800 0.788 0.805 0.833 24 0.653 0.734 0.794 0.813 0.822 0.820 0.840 0.877 25 0.646 0.719 0.793 0.824 0.856 0.866 0.895 0.942 26 0.627 0.702 0.777 0.821 0.875 0.906 0.943 0.990 27 0.641 0.708 0.787 0.855 0.920 0.970 1.021 1.074 28 0.670 0.738 0.819 0.897 0.972 1.036 1.092 1.171 29 0.712 0.782 0.862 0.950 1.040 1.111 1.193 1.287 30 0.767 0.849 0.939 1.021 1.118 1.215 1.303 1.424 31 0.811 0.913 0.997 1.096 1.196 1.310 1.423 1.566 32 0.839 0.946 1.046 1.147 1.262 1.388 1.540 1.707 33 0.840 0.963 1.077 1.204 1.342 1.493 1.668 1.848 34 0.828 0.975 1.114 1.265 1.435 1.609 1.796 1.997 35 0.839 1.014 1.179 1.371 1.557 1.756 1.958 2.178 36 0.850 1.062 1.267 1.485 1.706 1.919 2.150 2.393 37 0.892 1.131 1.372 1.625 1.869 2.102 2.354 2.630 38 0.971 1.251 1.542 1.823 2.092 2.350 2.631 2.940 39 1.071 1.413 1.734 2.041 2.335 2.631 2.937 3.263 40 1.172 1.559 1.910 2.254 2.561 2.867 3.193 3.552 41 1.269 1.696 2.103 2.470 2.796 3.113 3.453 3.827 42 1.388 1.879 2.326 2.729 3.083 3.430 3.794 4.198 43 1.481 2.013 2.499 2.923 3.308 3.675 4.055 4.486 44 1.570 2.140 2.656 3.120 3.518 3.909 4.316 4.752 45 1.662 2.263 2.817 3.322 3.744 4.163 4.584 5.025 46 1.744 2.382 2.977 3.532 4.007 4.440 4.875 5.364 47 1.824 2.521 3.165 3.770 4.303 4.757 5.227 5.758 48 1.899 2.670 3.381 4.033 4.637 5.157 5.667 6.231 49 1.978 2.832 3.606 4.319 5.008 5.599 6.166 6.780 50 2.054 3.005 3.839 4.624 5.380 6.043 6.683 7.352 51 2.180 3.249 4.187 5.048 5.868 6.627 7.347 8.050 52 2.313 3.514 4.548 5.475 6.352 7.185 7.946 8.664 53 2.457 3.782 4.902 5.888 6.824 7.664 8.428 9.192 54 2.620 4.053 5.260 6.305 7.262 8.068 8.849 9.696 55 2.789 4.353 5.654 6.734 7.676 8.475 9.293 10.181 56 2.994 4.689 6.082 7.183 8.118 8.936 9.781 10.714 57 3.244 5.082 6.551 7.695 8.638 9.483 10.365 11.332 58 3.537 5.529 7.110 8.326 9.286 10.176 11.090 12.078 59 3.867 6.044 7.772 9.054 10.074 11.011 11.953 12.930 60 4.233 6.626 8.490 9.850 10.973 11.945 12.899 13.867 61 4.666 7.234 9.228 10.701 11.918 12.917 13.885 14.868 62 5.144 7.838 9.957 11.583 12.837 13.884 14.884 15.913 63 5.666 8.529 10.760 12.466 13.721 14.795 15.830 16.912 64 6.243 9.338 11.649 13.347 14.597 15.686 16.741 17.881 65 6.872 10.162 12.554 14.212 15.493 16.603 17.697 18.943 66 7.533 10.930 13.380 15.052 16.409 17.597 18.800 20.278 67 8.244 11.564 14.037 15.845 17.368 18.726 20.183 21.913 68 8.991 12.091 14.558 16.579 18.369 20.079 21.877 24.095 69 9.780 12.575 15.022 17.267 19.453 21.607 24.012 26.710 70 10.590 12.990 15.420 17.929 20.560 23.403 26.431 29.677 71 11.343 13.894 16.483 19.134 22.050 25.094 28.325 31.687 72 12.132 14.842 17.581 20.517 23.638 26.885 30.251 33.817 73 12.936 15.804 18.819 21.952 25.277 28.671 32.234 36.011 74 13.548 16.634 19.796 23.080 26.520 30.063 33.775 37.692 75 13.995 17.176 20.433 23.786 27.310 30.933 34.719 38.723 76 14.282 17.518 20.817 24.217 27.782 31.438 35.263 39.299 77 14.546 17.830 21.176 24.615 28.210 31.902 35.757 39.812 78 15.108 18.509 21.964 25.505 29.211 33.010 36.964 41.125 79 16.054 19.652 23.296 27.035 30.941 34.932 39.087 43.453 80 16.970 20.752 24.585 28.509 32.5_7 36.775 41.117 45.676 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------- ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.798 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.816 0.780 22 8 0.371 0.436 0.488 0.527 0.538 0.834 0.797 0.763 23 9 0.438 0.491 0.530 0.541 0.853 0.816 0.781 0.753 24 10 0.493 0.532 0.543 0.872 0.834 0.799 0.771 0.737 25 11 0.535 0.546 0.891 0.852 0.817 0.789 0.755 0.727 26 12 0.549 0.910 0.871 0.835 0.808 0.773 0.746 0.707 27 13 0.915 0.889 0.854 0.827 0.792 0.764 0.725 0.737 28 14 0.894 0.873 0.845 0.810 0.783 0.743 0.756 0.761 29 15 0.878 0.857 0.829 0.802 0.762 0.776 0.782 0.794 30 16 0.862 0.848 0.813 0.780 0.796 0.804 0.817 0.826 31 17 0.854 0.839 0.805 0.821 0.829 0.842 0.852 0.836 32 18 0.838 0.832 0.802 0.826 0.848 0.866 0.865 0.839 33 19 0.808 0.815 0.794 0.833 0.861 0.881 0.870 0.852 34 20 0.784 0.808 0.794 0.840 0.863 0.883 0.887 0.875 35 21 0.825 0.866 0.867 0.896 0.913 0.927 0.942 0.934 36 22 0.842 0.893 0.907 0.921 0.948 0.976 1.004 1.012 37 23 0.877 0.936 0.952 0.964 1.003 1.041 1.062 1.120 38 24 0.930 0.990 1.026 1.037 1.092 1.141 1.204 1.272 39 25 0.996 1.063 1.109 1.146 1.214 1.306 1.373 1.452 40 26 1.050 1.130 1.186 1.248 1.343 1.451 1.539 1.615 41 27 1.149 1.245 1.307 1.402 1.512 1.631 1.727 1.791 42 28 1.261 1.370 1.457 1.562 1.679 1.813 1.909 2.006 43 29 1.392 1.550 1.646 1.750 1.874 2.001 2.125 2.247 44 30 1.576 1.753 1.857 1.967 2.084 2.231 2.368 2.519 45 31 1.755 1.947 2.062 2.177 2.318 2.484 2.636 2.801 46 32 1.908 2.122 2.239 2.384 2.541 2.717 2.880 3.073 47 33 2.060 2.289 2.444 2.614 2.809 3.016 3.221 3.428 48 34 2.215 2.466 2.656 2.858 3.093 3.353 3.575 3.848 49 35 2.430 2.696 2.906 3.126 3.397 3.669 3.918 4.237 50 36 2.659 2.944 3.165 3.415 3.702 4.010 4.294 4.608 51 37 2.915 3.211 3.454 3.707 4.017 4.362 4.672 4.950 52 38 3.242 3.576 3.801 4.064 4.382 4.737 5.073 5.364 53 39 3.612 3.955 4.196 4.475 4.810 5.195 5.631 5.952 54 40 3.914 4.298 4.541 4.815 5.159 5.607 6.114 6.504 55 41 4.230 4.648 4.913 5.216 5.630 6.152 6.744 7.301 56 42 4.645 5.101 5.395 5.773 6.233 6.798 7.470 8.185 57 43 4.936 5.456 5.846 6.310 6.839 7.476 8.242 9.047 58 44 5.207 5.833 6.330 6.883 7.509 8.236 9.012 9.906 59 45 5.523 6.241 6.839 7.501 8.243 9.001 9.816 10.766 60 46 5.904 6.671 7.374 8.156 8.968 9.784 10.678 11.711 61 47 6.382 7.166 7.929 8.732 9.580 10.459 11.436 12.473 62 48 6.938 7.721 8.466 9.280 10.188 11.175 12.238 13.331 63 49 7.526 8.277 8.992 9.828 10.827 11.912 13.074 14.268 64 50 8.064 8.801 9.543 10.484 11.606 12.848 14.205 15.601 65 51 8.743 9.519 10.320 11.331 12.546 13.933 15.452 17.007 66 52 9.391 10.257 11.120 12.210 13.541 15.069 16.736 18.439 67 53 10.029 10.967 11.925 13.126 14.575 16.215 18.031 19.905 68 54 10.632 11.669 12.742 14.086 15.637 17.383 19.338 21.303 69 55 11.236 12.384 13.597 15.076 16.745 18.604 20.709 22.714 70 56 11.847 13.134 14.488 16.110 17.911 19.903 22.158 24.388 71 57 12.487 13.931 15.427 17.201 19.155 21.294 23.719 26.226 72 58 13.208 14.788 16.415 18.336 20.454 22.783 25.407 28.307 73 59 14.066 15.720 17.453 19.497 21.806 24.363 27.396 30.534 74 60 15.038 16.729 18.543 20.712 23.218 26.195 29.511 33.121 75 61 16.089 17.803 19.780 22.169 25.150 28.576 32.545 36.779 76 62 17.186 18.960 21.105 23.868 27.232 31.300 35.842 40.770 77 63 18.264 20.122 22.667 25.848 29.940 34.745 40.100 45.791 78 64 19.345 21.407 24.211 27.907 32.518 37.917 43.641 50.146 79 65 20.637 22.850 26.178 30.422 35.701 41.662 48.244 55.710 80 66 22.170 24.700 28.372 33.036 38.605 45.101 52.304 60.210 81 67 24.203 26.965 31.101 36.118 42.273 49.465 57.526 66.276 82 68 26.731 29.729 34.074 39.399 45.884 53.466 62.120 71.394 83 69 29.719 32.834 37.645 43.388 50.310 58.473 67.982 78.525 84 70 32.983 36.325 41.634 47.758 55.100 63.796 74.152 86.291 85 71 35.195 38.735 44.674 51.546 59.772 69.501 81.106 94.720 86 72 37.537 41.264 48.079 55.966 65.379 76.537 89.845 105.472 87 73 39.927 43.864 51.627 60.591 71.299 83.978 99.119 118.794 88 74 41.764 45.853 54.293 64.055 75.707 89.504 107.612 129.432 89 75 42.876 47.024 56.035 66.449 78.862 94.969 114.624 138.325 90 76 43.471 47.644 56.729 67.221 80.880 97.412 117.586 141.900 91 77 44.006 48.192 57.340 68.846 82.846 99.793 120.461 145.383 92 78 45.421 49.706 59.896 71.924 86.562 104.269 125.875 152.182 93 79 47.957 53.123 64.022 76.889 92.538 111.478 134.882 1__.___ 94 80 51.002 56.504 68.105 81.793 98.449 118._26 143.8_5 1__.__8 95
VANGUARD 100 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE SUBSTANDARD MALE ANB
POLICY YEAR ISSUE --------------------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- ---- ---- ---- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- 43 .26 .36 .44 .52 .59 .66 .73 .81 .91 1.03 1.15 1.30 1.47 1.68 1.91 2.20 58 -------------------------------------------------------------------------------------------------------------------------- 44 .28 .38 .47 .56 .64 .71 .79 .88 .98 1.12 1.26 1.43 1.62 1.85 2.09 2.42 59 45 .30 .41 .51 .61 .69 .77 .86 .95 1.06 1.21 1.38 1.57 1.79 2.03 2.30 2.65 60 -------------------------------------------------------------------------------------------------------------------------- 46 .32 .44 .55 .66 .75 .84 .93 1.03 1.15 1.32 1.51 1.72 1.96 2.24 2.52 2.89 61 47 .34 .47 .60 .71 .82 .92 1.02 1.12 1.26 1.44 1.64 1.88 2.15 2.46 2.77 3.16 62 48 .36 .51 .65 .78 .91 1.01 1.12 1.24 1.40 1.58 1.80 2.05 2.35 2.69 3.05 3.47 63 -------------------------------------------------------------------------------------------------------------------------- 49 .38 .55 .71 .85 1.00 1.12 1.24 1.37 1.54 1.73 1.96 2.24 2.57 2.95 3.35 3.82 64 50 .40 .60 .77 .93 1.09 1.24 1.37 1.52 1.69 1.89 2.13 2.43 2.80 3.22 3.67 4.20 65 -------------------------------------------------------------------------------------------------------------------------- 51 .43 .64 .84 1.02 1.19 1.35 1.50 1.66 1.84 2.05 2.31 2.64 3.04 3.51 4.01 4.61 66 52 .45 .70 .91 1.10 1.29 1.46 1.63 1.80 1.99 2.22 2.50 2.86 3.29 3.82 4.38 5.04 67 53 .48 .75 .98 1.18 1.38 1.56 1.73 1.92 2.13 2.39 2.70 3.09 3.57 4.14 4.75 5.49 68 -------------------------------------------------------------------------------------------------------------------------- 54 .51 .80 1.05 1.26 1.47 1.65 1.83 2.03 2.27 2.55 2.90 3.33 3.85 4.47 5.14 5.93 69 55 .55 .86 1.12 1.35 1.56 1.74 1.93 2.14 2.41 2.72 3.11 3.59 4.16 4.83 5.57 6.40 70 -------------------------------------------------------------------------------------------------------------------------- 56 .59 .93 1.21 1.45 1.65 1.84 2.04 2.26 2.56 2.90 3.33 3.87 4.49 5.22 6.03 6.97 71 57 .64 1.00 1.31 1.56 1.77 1.96 2.17 2.40 2.71 3.10 3.58 4.17 4.85 5.65 6.54 7.61 72 58 .69 1.10 1.43 1.69 1.91 2.12 2.33 2.58 2.89 3.32 3.84 4.49 5.24 6.13 7.12 8.30 73 -------------------------------------------------------------------------------------------------------------------------- 59 .76 1.20 1.57 1.85 2.08 2.30 2.53 2.78 3.10 3.56 4.13 4.83 5.67 6.66 7.75 9.05 74 60 .84 1.33 1.72 2.02 2.28 2.51 2.75 3.00 3.34 3.82 4.44 5.20 6.13 7.23 8.45 9.88 75 -------------------------------------------------------------------------------------------------------------------------- 61 .93 1.45 1.88 2.20 2.49 2.73 2.98 3.25 3.61 4.12 4.78 5.61 6.64 7.87 9.21 10.81 76 62 1.03 1.58 2.04 2.40 2.70 2.96 3.23 3.51 3.91 4.45 5.16 6.06 7.19 8.56 10.04 11.82 77 63 1.14 1.73 2.21 2.60 2.90 3.18 3.47 3.78 4.21 4.79 5.57 6.55 7.80 9.30 10.93 12.93 78 -------------------------------------------------------------------------------------------------------------------------- 64 1.26 1.90 2.41 2.80 3.12 3.41 3.71 4.05 4.53 5.17 6.01 7.09 8.46 10.10 11.88 14.11 79 65 1.39 2.09 2.62 3.01 3.34 3.65 3.98 4.36 4.90 5.59 6.51 7.69 9.18 10.98 12.91 15.33 80 -------------------------------------------------------------------------------------------------------------------------- 66 1.54 2.26 2.82 3.23 3.58 3.93 4.29 4.73 5.34 6.11 7.10 8.38 9.99 11.93 14.02 16.56 81 67 1.69 2.42 2.99 3.44 3.85 4.24 4.67 5.19 5.89 6.74 7.81 9.18 10.90 12.97 15.21 17.90 82 68 1.86 2.55 3.13 3.65 4.13 4.62 5.15 5.77 6.58 7.52 8.67 10.12 11.93 14.10 16.50 19.32 83 -------------------------------------------------------------------------------------------------------------------------- 69 2.05 2.69 3.28 3.86 4.44 5.05 5.72 6.47 7.40 8.45 9.68 11.19 13.07 15.33 17.86 20.95 84 70 2.25 2.81 3.42 4.07 4.78 5.54 6.37 7.28 8.36 9.51 10.83 12.39 14.31 16.65 19.31 22.73 85 -------------------------------------------------------------------------------------------------------------------------- 71 2.44 3.05 3.71 4.41 5.18 6.01 6.91 7.90 9.07 10.32 11.75 13.44 15.53 18.06 20.95 24.69 86 72 2.64 3.31 4.02 4.78 5.61 6.51 7.48 8.56 9.82 11.18 12.72 14.56 16.82 19.56 22.69 26.82 87 73 2.84 3.56 4.32 5.15 6.04 7.01 8.06 9.21 10.57 12.03 13.70 15.67 18.10 21.06 24.43 29.09 88 -------------------------------------------------------------------------------------------------------------------------- 74 3.04 3.81 4.63 5.51 6.47 7.51 8.63 9.87 11.33 12.89 14.67 16.79 19.39 22.56 26.17 31.05 89 75 3.25 4.07 4.94 5.88 6.90 8.00 9.20 10.52 12.08 13.75 15.65 17.90 20.68 24.06 27.91 32.55 90 -------------------------------------------------------------------------------------------------------------------------- 76 3.45 4.32 5.25 6.25 7.33 8.50 9.78 11.18 12.83 14.60 16.62 19.02 21.97 25.56 29.65 33.73 91 77 3.65 4.57 5.55 6.61 7.76 9.00 10.35 11.84 13.58 15.46 17.60 20.14 23.26 27.06 31.39 34.92 92 78 3.85 4.83 5.86 6.98 8.19 9.50 10.92 12.49 14.34 16.31 18.57 21.25 24.55 28.55 33.13 36.89 93 -------------------------------------------------------------------------------------------------------------------------- 79 4.06 5.08 6.17 7.34 8._2 10.00 11.50 13.15 15.09 17.17 19.55 22.37 25.84 30.05 34.87 39.90 94 80 4.26 5.33 6.48 7.71 9.05 10.50 12.07 13.80 15.84 18.03 20.52 23.48 27.12 31.55 36.61 42.96 95 -------------------------------------------------------------------------------------------------------------------------- 44.86 96 46.96 97 49.09 98 --------------- 51.27 99 --------------- 5/18/1982
VANGUARD 100 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE SUBSTANDARD MALE ANB
POLICY YEAR ISSUE ---------------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- --- --- --- --- --- --- --- --- --- ---- ---- ---- ---- ---- ---- -------- 0 1.47 .34 .21 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 15 ----------------------------------------------------------------------------------------------------------------------- 1 .34 .21 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 16 2 .21 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 17 3 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 18 ----------------------------------------------------------------------------------------------------------------------- 4 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 19 5 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 20 ----------------------------------------------------------------------------------------------------------------------- 6 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 21 7 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .28 22 8 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .28 .28 23 ----------------------------------------------------------------------------------------------------------------------- 9 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 24 10 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 25 ----------------------------------------------------------------------------------------------------------------------- 11 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .26 26 12 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .26 .25 27 13 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .27 .25 .26 28 ----------------------------------------------------------------------------------------------------------------------- 14 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .27 .25 .26 .26 29 15 .17 .20 .24 .26 .28 .30 .29 .29 .28 .28 .27 .27 .25 .26 .26 .27 30 ----------------------------------------------------------------------------------------------------------------------- 16 .20 .24 .25 .27 .28 .29 .29 .28 .28 .27 .26 .25 .26 .26 .27 .27 31 17 .23 .25 .26 .27 .28 .28 .28 .27 .27 .26 .25 .26 .26 .27 .27 .27 32 18 .23 .25 .26 .27 .27 .27 .26 .26 .26 .25 .25 .25 .26 .27 .27 .27 33 ----------------------------------------------------------------------------------------------------------------------- 19 .22 .24 .25 .25 .26 .25 .25 .24 .24 .24 .24 .25 .26 .27 .27 .28 34 20 .21 .23 .24 .24 .24 .23 .23 .22 .23 .23 .23 .24 .26 .27 .28 .29 35 ----------------------------------------------------------------------------------------------------------------------- 21 .19 .21 .22 .22 .22 .21 .21 .21 .22 .22 .23 .24 .25 .27 .29 .30 36 22 .18 .20 .21 .21 .21 .20 .20 .20 .21 .22 .22 .24 .26 .28 .30 .32 37 23 .17 .19 .20 .20 .20 .19 .19 .19 .20 .21 .23 .24 .26 .29 .32 .35 38 ----------------------------------------------------------------------------------------------------------------------- 24 .16 .18 .19 .19 .19 .19 .19 .19 .20 .22 .23 .25 .28 .32 .35 .38 39 25 .15 .17 .18 .18 .19 .19 .19 .20 .21 .22 .24 .27 .31 .34 .38 .42 40 ----------------------------------------------------------------------------------------------------------------------- 26 .14 .16 .17 .18 .18 .19 .19 .20 .21 .23 .26 .29 .33 .37 .41 .45 41 27 .14 .15 .16 .17 .18 .19 .20 .21 .22 .25 .28 .31 .35 .40 .44 .49 42 28 .14 .15 .16 .18 .19 .20 .21 .22 .24 .27 .30 .34 .38 .43 .48 .52 43 ----------------------------------------------------------------------------------------------------------------------- 29 .15 .16 .17 .18 .19 .21 .22 .24 .26 .29 .33 .37 .41 .46 .51 .57 44 30 .15 .16 .18 .19 .20 .22 .24 .26 .29 .32 .36 .40 .45 .50 .55 .61 45 ----------------------------------------------------------------------------------------------------------------------- 31 .16 .17 .18 .20 .22 .24 .26 .28 .32 .35 .39 .43 .48 .54 .59 .67 46 32 .16 .18 .19 .21 .23 .25 .28 .31 .35 .39 .43 .47 .52 .58 .65 .73 47 33 .16 .18 .20 .22 .21 .27 .31 .34 .37 .42 .46 .51 .57 .64 .71 .81 48 ----------------------------------------------------------------------------------------------------------------------- 34 .16 .19 .21 .24 .27 .30 .33 .36 .41 .45 .50 .55 .63 .71 .79 .89 49 35 .16 .19 .22 .26 .29 .32 .36 .39 .44 .48 .54 .60 .69 .78 .87 .99 50 ----------------------------------------------------------------------------------------------------------------------- 36 .16 .20 .24 .28 .31 .35 .39 .43 .48 .52 .59 .67 .76 .87 .97 1.10 51 37 .17 .21 .26 .30 .34 .38 .42 .47 .52 .58 .65 .74 .84 .96 1.07 1.20 52 38 .18 .23 .28 .33 .38 .42 .46 .51 .57 .64 .72 .81 .92 1.06 1.19 1.32 53 ----------------------------------------------------------------------------------------------------------------------- 39 .20 .26 .31 .36 .41 .46 .51 .57 .64 .71 .79 .89 1.01 1.16 1.31 1.45 54 40 .21 .28 .34 .40 .45 .50 .56 .62 .70 .78 .87 .98 1.11 1.27 1.44 1.61 55 ----------------------------------------------------------------------------------------------------------------------- 41 .23 .31 .38 .44 .49 .55 .61 .68 .77 .86 .96 1.07 1.21 1.39 1.58 1.79 56 42 .25 .33 .41 .47 .54 .60 .67 .75 .84 .94 1.05 1.18 1.33 1.52 1.74 1.99 57 ----------------------------------------------------------------------------------------------------------------------- 5/18/1982
VANGUARD 100 SERIES - 136 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE NONSMOKER MALE - ANB POLICY FEE 12.50
POLICY YEAR ISSUE ------------------------------------------------------------- AGE 1 2 3 4 5 6 7 8 9 ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- 43 1.15 1.49 1.81 2.13 2.43 2.73 3.05 3.42 3.85 -------------------------------------------------------------------- 44 1.22 1.60 1.97 2.32 2.65 2.97 3.33 3.72 4.18 45 1.29 1.72 2.14 2.53 2.89 3.25 3.63 4.04 4.54 -------------------------------------------------------------------- 46 1.39 1.86 2.31 2.76 3.17 3.56 3.97 4.42 4.97 47 1.48 2.01 2.52 3.02 3.49 3.92 4.37 4.87 5.52 48 1.58 2.18 2.76 3.32 3.87 4.36 4.85 5.41 6.15 -------------------------------------------------------------------- 49 1.69 2.37 3.03 3.66 4.29 4.80 5.43 6.04 6.85 50 1.80 2.59 3.32 4.03 4.74 5.40 6.05 6.73 7.58 -------------------------------------------------------------------- 51 1.91 2.81 3.64 4.42 5.20 5.95 6.68 7.44 8.24 52 2.04 3.06 3.97 4.83 5.67 6.49 7.29 8.03 8.98 53 2.18 3.31 4.31 5.23 6.13 6.99 7.76 8.64 9.72 -------------------------------------------------------------------- 54 2.33 3.57 4.66 5.64 6.59 7.38 8.27 9.24 10.45 55 2.50 3.86 5.04 6.08 6.98 7.87 8.80 9.84 11.20 -------------------------------------------------------------------- 56 2.70 4.19 5.47 6.50 7.49 8.41 9.39 10.51 11.99 57 2.94 4.57 5.90 7.06 8.08 9.05 10.10 11.28 12.83 58 3.22 4.98 6.49 7.74 8.80 9.85 10.97 12.21 13.65 -------------------------------------------------------------------- 59 3.52 5.51 7.18 8.52 9.68 10.81 11.99 13.14 14.80 60 3.89 6.11 7.95 9.40 10.70 11.90 13.02 14.34 16.12 -------------------------------------------------------------------- 61 4.33 6.75 8.76 10.36 11.79 12.94 14.26 15.67 17.60 62 4.82 7.42 9.58 11.38 12.77 14.15 15.57 17.11 19.21 63 5.38 8.18 10.51 12.31 13.89 15.37 16.89 18.58 20.89 -------------------------------------------------------------------- 64 6.00 9.08 11.44 13.42 15.05 16.62 18.26 20.11 22.46 65 6.69 9.93 12.54 14.56 16.30 17.98 19.76 21.62 24.51 -------------------------------------------------------------------- 66 7.36 10.86 13.62 15.73 17.64 19.50 21.30 23.68 26.98 67 8.18 11.71 14.57 16.92 19.11 21.06 23.41 26.23 30.04 68 9.08 12.49 15.44 18.12 20.52 23.14 26.03 29.44 33.53 -------------------------------------------------------------------- 69 10.07 13.27 16.32 19.16 22.27 25.54 29.17 32.99 37.72 70 11.13 14.03 17.00 20.40 24.16 28.27 32.48 37.11 42.56 -------------------------------------------------------------------- 71 12.18 15.21 18.62 22.34 26.46 30.65 35.21 40.24 46.15 72 13.18 16.62 20.35 24.42 28.64 33.18 38.13 43.56 49.97 73 14.31 18.06 22.11 26.28 30.82 35.70 41.03 46.89 53.78 -------------------------------------------------------------------- 74 15.47 19.53 23.67 28.14 33.00 38.23 43.93 50.21 57.59 75 16.65 20.81 25.23 29.99 35.18 40.76 46.84 53.53 61.41 -------------------------------------------------------------------- 76 17.67 22.10 26.79 31.85 37.35 43.29 49.75 56.85 65.22 77 18.69 23.38 28.35 33.70 39.53 45.81 52.66 60.18 69.04 78 19.73 24.66 29.91 35.56 41.72 48.34 55.56 63.50 72.85 -------------------------------------------------------------------- 79 20.75 25.95 31.47 37.41 43.89 50.87 58.46 66.82 76.67 80 21.77 27.23 33.02 39.27 46.07 53.40 61.38 70.14 80.48 -------------------------------------------------------------------- POLICY YEAR ISSUE ----------------------------------------------------- ATTAINED AGE 10 11 12 13 14 15 16+ AGE ----- ----- ------ ------ ------ ------ ------ ------ -------- 43 4.37 4.93 5.59 6.38 7.34 8.42 9.79 58 ----------------------------------------------------------------------- 44 4.78 5.44 6.20 7.09 8.15 9.33 10.75 59 45 5.24 6.00 6.87 7.89 9.06 10.22 11.86 60 ----------------------------------------------------------------------- 46 5.74 6.61 7.60 8.76 9.94 11.33 13.08 61 47 6.32 7.28 8.40 9.58 11.02 12.56 14.44 62 48 6.99 8.02 9.14 10.58 12.20 13.94 16.02 63 ----------------------------------------------------------------------- 49 7.73 8.74 10.06 11.65 13.49 15.46 17.81 64 50 8.43 9.59 11.04 12.81 14.88 17.12 19.76 65 ----------------------------------------------------------------------- 51 9.26 10.51 12.09 14.05 16.38 18.90 21.68 66 52 10.11 11.48 13.23 15.39 17.99 20.60 23.93 67 53 10.96 12.50 14.43 16.82 19.48 22.60 26.33 68 ----------------------------------------------------------------------- 54 11.83 13.55 15.72 18.16 21.26 24.70 28.75 69 55 12.75 14.68 16.93 19.80 23.19 26.99 31.34 70 ----------------------------------------------------------------------- 56 13.72 15.74 18.42 21.58 25.31 29.52 34.45 71 57 14.64 17.06 20.04 23.55 27.68 32.36 37.62 72 58 15.82 18.50 21.79 25.70 30.33 35.19 41.39 73 ----------------------------------------------------------------------- 59 17.14 20.07 23.69 28.05 32.92 38.70 45.59 74 60 18.61 21.79 25.76 30.32 36.12 42.59 50.29 75 ----------------------------------------------------------------------- 61 20.24 23.70 27.78 33.15 39.67 46.87 54.98 76 62 22.06 25.57 30.31 36.29 43.55 51.06 60.09 77 63 23.77 27.85 33.08 39.72 47.33 55.57 65.72 78 ----------------------------------------------------------------------- 64 25.85 30.34 36.12 43.05 51.39 60.41 71.71 79 65 28.26 33.18 39.15 46.71 55.82 65.64 77.88 80 ----------------------------------------------------------------------- 66 31.15 36.18 42.65 50.81 60.63 71.25 84.13 81 67 34.35 39.79 46.73 55.44 65.90 77.30 90.91 82 68 38.30 44.16 51.49 60.64 71.66 83.79 98.12 83 ----------------------------------------------------------------------- 69 43.00 49.26 56.93 66.41 77.88 90.71 106.35 84 70 48.40 55.07 62.99 72.72 84.56 98.07 115.39 85 ----------------------------------------------------------------------- 71 52.50 59.73 68.32 78.88 91.72 106.39 125.31 86 72 56.83 64.67 73.97 85.41 99.33 115.20 136.11 87 73 61.18 69.61 79.63 91.94 106.92 124.01 147.62 88 ----------------------------------------------------------------------- 74 65.51 74.55 85.28 98.47 114.51 132.82 157.54 89 75 69.85 79.49 90.93 105.00 122.11 141.64 165.12 90 ----------------------------------------------------------------------- 76 74.19 84.43 96.59 111.53 129.70 150.44 171.10 91 77 78.53 89.37 102.23 118.06 137.30 159.26 177.15 92 78 82.87 94.31 107.89 124.59 144.90 168.07 187.15 93 ----------------------------------------------------------------------- 79 87.21 99.26 113.55 131.12 152.50 176.89 202.39 94 80 91.56 104.19 119.20 137.65 160.09 185.69 217.91 95 ----------------------------------------------------------------------- 227.54 96 238.15 97 248.97 98 ------------------ 260.01 99 ------------------ 5/18/1982
VANGUARD 100 SERIES - 136 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE NONSMOKER MALE - ANB POLICY FEE 12.50
POLICY YEAR ISSUE ---------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- -------- 0 7.63 1.90 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .86 1.01 15 --------------------------------------------------------------------------------------------------------------- 1 1.90 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.01 1.13 16 2 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.13 1.25 17 3 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.25 1.32 18 --------------------------------------------------------------------------------------------------------------- 4 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.32 1.36 19 5 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.36 1.32 20 --------------------------------------------------------------------------------------------------------------- 6 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.32 1.23 21 7 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.23 1.14 22 8 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.14 1.07 23 --------------------------------------------------------------------------------------------------------------- 9 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.07 .99 24 10 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 .99 .92 25 --------------------------------------------------------------------------------------------------------------- 11 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .92 .92 26 12 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .93 .92 .90 27 13 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .93 .92 .90 .93 28 --------------------------------------------------------------------------------------------------------------- 14 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .93 .92 .90 .93 .95 29 15 1.01 1.13 1.24 1.31 1.33 1.31 1.24 1.15 1.08 .99 .93 .93 .90 .94 .95 .99 30 --------------------------------------------------------------------------------------------------------------- 16 1.13 1.24 1.26 1.28 1.26 1.22 1.15 1.08 1.00 .93 .92 .90 .94 .96 .99 1.02 31 17 1.23 1.25 1.24 1.21 1.19 1.13 1.07 .99 .93 .92 .90 .94 .96 .99 1.02 1.03 32 18 1.18 1.19 1.17 1.14 1.11 1.03 .96 .91 .90 .90 .90 .93 .97 1.01 1.03 1.04 33 --------------------------------------------------------------------------------------------------------------- 19 1.09 1.10 1.08 1.05 1.00 .91 .86 .86 .87 .88 .88 .93 .98 1.02 1.04 1.07 34 20 .98 1.00 .99 .95 .89 .81 .82 .82 .84 .87 .87 .93 .97 1.03 1.07 1.11 35 --------------------------------------------------------------------------------------------------------------- 21 .87 .91 .90 .84 .79 .76 .78 .79 .82 .85 .88 .93 .98 1.05 1.11 1.18 36 22 .79 .83 .81 .77 .76 .75 .76 .77 .81 .84 .88 .93 1.00 1.08 1.17 1.27 37 23 .73 .75 .75 .75 .75 .74 .75 .77 .80 .85 .90 .95 1.04 1.15 1.25 1.37 38 --------------------------------------------------------------------------------------------------------------- 24 .66 .68 .72 .73 .74 .74 .75 .78 .81 .87 .93 1.00 1.11 1.24 1.35 1.50 39 25 .61 .65 .70 .72 .74 .74 .76 .79 .84 .90 .98 1.07 1.21 1.35 1.48 1.65 40 --------------------------------------------------------------------------------------------------------------- 26 .59 .64 .68 .71 .74 .76 .78 .82 .87 .94 1.04 1.16 1.29 1.46 1.61 1.78 41 27 .59 .63 .67 .71 .75 .78 .81 .86 .92 1.00 1.11 1.24 1.40 1.58 1.75 1.93 42 28 .60 .64 .68 .73 .77 .81 .85 .91 .99 1.09 1.20 1.34 1.51 1.71 1.89 2.09 43 --------------------------------------------------------------------------------------------------------------- 29 .62 .66 .70 .75 .80 .85 .91 .98 1.07 1.19 1.31 1.46 1.64 1.84 2.04 2.26 44 30 .64 .69 .73 .78 .84 .90 .97 1.06 1.17 1.30 1.44 1.59 1.78 1.99 2.20 2.46 45 --------------------------------------------------------------------------------------------------------------- 31 .67 .72 .77 .83 .89 .97 1.05 1.15 1.28 1.42 1.57 1.74 1.93 2.16 2.38 2.70 46 32 .69 .75 .81 .87 .95 1.04 1.14 1.25 1.39 1.55 1.71 1.89 2.10 2.35 2.62 2.98 47 33 .70 .77 .84 .92 .91 1.12 1.24 1.36 1.51 1.68 1.86 2.06 2.30 2.60 2.91 3.30 48 --------------------------------------------------------------------------------------------------------------- 34 .70 .79 .88 .98 1.10 1.21 1.34 1.47 1.64 1.82 2.02 2.24 2.54 2.89 3.23 3.68 49 35 .71 .82 .93 1.05 1.18 1.31 1.44 1.59 1.77 1.96 2.18 2.47 2.81 3.21 3.59 4.11 50 --------------------------------------------------------------------------------------------------------------- 36 .73 .86 .99 1.14 1.28 1.42 1.58 1.74 1.93 2.14 2.42 2.74 3.13 3.59 4.03 4.59 51 37 .76 .91 1.07 1.24 1.40 1.56 1.73 1.91 2.12 2.37 2.68 3.04 3.48 4.00 4.50 5.07 52 38 .80 .98 1.17 1.36 1.54 1.71 1.89 2.09 2.35 2.64 2.97 3.37 3.85 4.43 5.01 5.62 53 --------------------------------------------------------------------------------------------------------------- 39 .86 1.08 1.29 1.49 1.68 1.87 2.07 2.32 2.61 2.93 3.29 3.72 4.25 4.89 5.56 6.23 54 40 .93 1.18 1.41 1.64 1.84 2.04 2.29 2.57 2.90 3.25 3.64 4.11 4.69 5.40 6.17 6.96 55 --------------------------------------------------------------------------------------------------------------- 41 1.01 1.28 1.55 1.79 2.01 2.26 2.53 2.83 3.20 3.60 4.03 4.55 5.18 5.97 6.84 7.82 56 42 1.08 1.39 1.68 1.95 2.22 2.49 2.78 3.12 3.53 3.97 4.46 5.04 5.74 6.61 7.59 8.78 57 --------------------------------------------------------------------------------------------------------------- 5/18/1982
VANGUARD 100 SERIES - 134 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE SMOKER MALE - ANB POLICY FEE $12.50
POLICY YEAR ISSUE ------------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- ----- ----- -------- 0 7.63 1.90 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .86 1.12 15 ------------------------------------------------------------------------------------------------------------------ 1 1.90 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.12 1.39 16 2 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.39 1.69 17 3 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.69 1.99 18 ------------------------------------------------------------------------------------------------------------------ 4 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 1.99 2.26 19 5 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.26 2.42 20 ------------------------------------------------------------------------------------------------------------------ 6 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.42 2.48 21 7 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.48 2.53 22 8 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.53 2.60 23 ------------------------------------------------------------------------------------------------------------------ 9 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.60 2.69 24 10 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.69 2.76 25 ------------------------------------------------------------------------------------------------------------------ 11 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.76 2.66 26 12 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.78 2.66 2.52 27 13 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.78 2.68 2.52 2.56 28 ------------------------------------------------------------------------------------------------------------------ 14 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.79 2.69 2.54 2.56 2.57 29 15 1.11 1.39 1.68 1.96 2.21 2.40 2.50 2.56 2.63 2.70 2.79 2.69 2.54 2.58 2.57 2.60 30 ------------------------------------------------------------------------------------------------------------------ 16 1.39 1.68 1.89 2.12 2.31 2.46 2.56 2.63 2.70 2.79 2.66 2.54 2.58 2.59 2.60 2.62 31 17 1.66 1.87 2.05 2.21 2.40 2.50 2.59 2.68 2.76 2.66 2.54 2.58 2.59 2.62 2.62 2.58 32 18 1.76 1.96 2.12 2.28 2.45 2.50 2.58 2.69 2.62 2.54 2.45 2.51 2.56 2.61 2.58 2.56 33 ------------------------------------------------------------------------------------------------------------------ 19 1.78 1.99 2.15 2.29 2.41 2.45 2.55 2.48 2.43 2.41 2.34 2.44 2.51 2.57 2.56 2.58 34 20 1.74 1.97 2.14 2.26 2.36 2.36 2.34 2.27 2.28 2.30 2.25 2.37 2.43 2.53 2.58 2.62 35 ------------------------------------------------------------------------------------------------------------------ 21 1.69 1.95 2.13 2.22 2.28 2.13 2.14 2.12 2.15 2.19 2.21 2.30 2.40 2.51 2.62 2.73 36 22 1.66 1.93 2.13 2.21 2.13 2.03 2.01 2.00 2.05 2.11 2.17 2.25 2.38 2.54 2.71 2.88 37 23 1.67 1.92 2.14 2.08 2.03 1.95 1.94 1.95 1.99 2.07 2.16 2.26 2.44 2.65 2.83 3.06 38 ------------------------------------------------------------------------------------------------------------------ 24 1.64 1.90 1.99 1.98 1.95 1.90 1.88 1.91 1.97 2.07 2.20 2.31 2.55 2.80 3.02 3.28 39 25 1.64 1.76 1.87 1.88 1.90 1.86 1.87 1.92 1.99 2.10 2.26 2.45 2.72 3.01 3.24 3.54 40 ------------------------------------------------------------------------------------------------------------------ 26 1.54 1.66 1.77 1.80 1.85 1.86 1.88 1.94 2.02 2.15 2.36 2.60 2.87 3.19 3.46 3.75 41 27 1.50 1.59 1.69 1.76 1.83 1.87 1.92 1.99 2.10 2.27 2.49 2.75 3.05 3.40 3.69 3.97 42 28 1.50 1.58 1.68 1.76 1.84 1.91 1.98 2.08 2.23 2.42 2.65 2.92 3.23 3.60 3.89 4.21 43 ------------------------------------------------------------------------------------------------------------------ 29 1.52 1.60 1.68 1.78 1.89 1.97 2.07 2.21 2.38 2.61 2.85 3.11 3.44 3.80 4.11 4.47 44 30 1.56 1.64 1.74 1.83 1.94 2.06 2.19 2.36 2.57 2.80 3.06 3.33 3.65 4.01 4.34 4.75 45 ------------------------------------------------------------------------------------------------------------------ 31 1.59 1.71 1.79 1.91 2.03 2.18 2.34 2.51 2.76 3.01 3.27 3.56 3.88 4.26 4.59 5.10 46 32 1.62 1.74 1.86 1.98 2.13 2.30 2.49 2.69 2.96 3.23 3.50 3.80 4.14 4.53 4.95 5.49 47 33 1.60 1.76 1.90 2.07 1.97 2.44 2.66 2.87 3.14 3.44 3.73 4.05 4.42 4.91 5.37 5.95 48 ------------------------------------------------------------------------------------------------------------------ 34 1.57 1.77 1.96 2.16 2.38 2.60 2.83 3.06 3.34 3.64 3.96 4.31 4.79 5.33 5.82 6.49 49 35 1.56 1.80 2.03 2.28 2.52 2.76 2.99 3.24 3.54 3.85 4.19 4.64 5.18 5.78 6.32 7.07 50 ------------------------------------------------------------------------------------------------------------------ 36 1.56 1.86 2.14 2.42 2.70 2.95 3.22 3.48 3.79 4.11 4.54 5.04 5.64 6.31 6.92 7.70 51 37 1.60 1.94 2.27 2.60 2.90 3.17 3.45 3.74 4.06 4.46 4.93 5.47 6.12 6.87 7.55 8.30 52 38 1.67 2.06 2.45 2.80 3.12 3.41 3.70 4.01 4.41 4.85 5.34 5.92 6.61 7.42 8.20 8.96 53 ------------------------------------------------------------------------------------------------------------------ 39 1.77 2.23 2.64 3.02 3.35 3.66 3.97 4.36 4.80 5.26 5.78 6.39 7.13 8.00 8.87 9.69 54 40 1.90 2.41 2.85 3.26 3.59 3.91 4.30 4.72 5.20 5.71 6.25 6.88 7.67 8.61 9.59 10.55 55 ------------------------------------------------------------------------------------------------------------------ 41 2.01 2.57 3.08 3.50 3.85 4.23 4.64 5.09 5.62 6.17 6.75 7.43 8.25 9.27 10.36 11.64 56 42 2.12 2.74 3.27 3.72 4.15 4.56 5.00 5.47 6.05 6.65 7.29 8.03 8.91 10.01 11.29 12.71 57 ------------------------------------------------------------------------------------------------------------------ 5/17/1982
VANGUARD 100 SERIES - 134 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE SMOKER MALE - ANB POLICY FEE $12.50
POLICY YEAR ISSUE ------------------------------------------------------------- AGE 1 2 3 4 5 6 7 8 9 ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- 43 2.22 2.88 3.45 3.98 4.45 4.89 5.34 5.85 6.44 -------------------------------------------------------------------- 44 2.31 3.01 3.67 4.25 4.74 5.21 5.69 6.21 6.82 45 2.40 3.19 3.90 4.53 5.05 5.55 6.06 6.59 7.22 -------------------------------------------------------------------- 46 2.53 3.36 4.12 4.83 5.41 5.94 6.47 7.03 7.71 47 2.65 3.56 4.39 5.16 5.82 6.39 6.94 7.54 8.33 48 2.76 3.78 4.70 5.54 6.30 6.93 7.52 8.17 9.13 -------------------------------------------------------------------- 49 2.89 4.02 5.03 5.96 6.82 7.53 8.20 8.96 9.90 50 3.00 4.28 5.38 6.40 7.34 8.15 8.97 9.73 10.75 -------------------------------------------------------------------- 51 3.13 4.54 5.76 6.84 7.86 8.83 9.65 10.55 11.60 52 3.26 4.82 6.13 7.28 8.41 9.38 10.34 11.30 12.31 53 3.40 5.09 6.49 7.75 8.85 9.91 10.92 11.85 13.07 -------------------------------------------------------------------- 54 3.56 5.3_ _.__ 8.14 9.34 10.3_ 11.33 12.43 13.78 55 3.72 5.69 7.26 8.61 9.82 10.78 11.83 12.98 14.38 -------------------------------------------------------------------- 56 3.95 6.02 7.74 9.14 10.26 11.30 12.39 13.49 15.10 57 4.19 6.45 8.29 9.67 10.85 11.93 12.96 14.21 15.85 58 4.52 6.98 8.88 10.39 11.60 12.64 13.81 15.08 16.58 -------------------------------------------------------------------- 59 4.90 7.53 9.64 11.24 12.42 13.61 14.81 15.96 17.63 60 5.29 8.19 10.47 12.06 13.46 14.70 15.80 17.08 18.67 -------------------------------------------------------------------- 61 5.79 8.89 11.23 13.04 14.56 15.71 16.98 18.14 19.98 62 6.33 9.50 12.06 14.05 15.50 16.86 18.03 19.42 21.38 63 6.87 10.28 12.97 14.95 16.54 17.79 19.18 20.68 22.60 -------------------------------------------------------------------- 64 7.53 11.20 13.88 15.98 17.43 18.87 20.33 21.75 24.07 65 8.24 12.05 14.93 16.85 18.50 20.01 21.37 23.17 25.75 -------------------------------------------------------------------- 66 8.92 12.93 15.76 17.85 19.64 21.10 22.83 24.88 27.52 67 9.73 13.55 16.54 18.83 20.67 22.57 24.60 26.76 30.04 68 10.50 14.17 17.19 19.60 21.98 24.31 26.55 29.44 33.53 -------------------------------------------------------------------- 69 11.42 14.77 17.65 20.52 23.39 2_.08 29.17 32.99 37.72 70 12.38 15.17 18.22 21.43 24.65 28.27 32.48 37.11 42.56 -------------------------------------------------------------------- 71 13.17 16.29 19.56 22.79 26.46 30.65 35.21 40.24 46.15 72 14.11 17.46 20.76 24.42 28.64 33.18 38.13 43.56 49.97 73 15.03 18.42 22.11 26.28 30.82 35.70 41.03 46.89 53.78 -------------------------------------------------------------------- 74 15.78 19.53 23.67 28.14 33.00 38.23 43.93 50.21 57.59 75 16.65 20.81 25.23 29.99 35.18 40.76 46.84 53.53 61.41 -------------------------------------------------------------------- 76 17.67 22.10 26.79 31.85 37.35 43.29 49.75 56.85 65.22 77 18.69 23.38 28.35 33.70 39.53 45.81 52.66 60.18 69.04 78 19.73 24.66 29.91 35.56 41.72 48.34 55.56 63.50 72.85 -------------------------------------------------------------------- 79 20.75 25.95 31.47 37.41 43.89 50.87 58.46 66.82 76.67 80 21.77 27.23 33.02 39.27 46.07 53.40 61.38 70.14 80.48 -------------------------------------------------------------------- POLICY YEAR ISSUE ----------------------------------------------------- ATTAINED AGE 10 11 12 13 14 15 16+ AGE ----- ----- ------ ------ ------ ------ ------ ------ -------- 43 7.13 7.85 8.68 9.65 10.90 12.19 13.92 58 ---------------------------------------------------------------------- 44 7.61 8.44 9.38 10.54 11.80 13.25 15.17 59 45 8.12 9.07 10.21 11.42 12.87 14.42 16.29 60 ---------------------------------------------------------------------- 46 8.68 9.81 11.00 12.44 14.02 15.55 17.61 61 47 9.39 10.53 11.92 13.51 15.13 16.92 19.08 62 48 10.11 11.39 12.89 14.51 16.43 18.42 20.59 63 ---------------------------------------------------------------------- 49 10.98 12.31 13.79 15.68 17.83 19.87 22.45 64 50 11.88 13.16 14.85 16.92 19.13 21.58 24.44 65 ---------------------------------------------------------------------- 51 12.69 14.14 15.97 18.05 20.65 23.38 26.35 66 52 13.60 15.16 16.99 19.40 22.24 25.04 28.52 67 53 14.46 16.05 18.18 20.80 23.67 26.93 30.50 68 ---------------------------------------------------------------------- 54 15.19 17.07 19.43 22.0_ 25.34 28.61 32._6 69 55 16.05 18.14 20.57 23.59 2_.86 30.__ 34.91 70 ---------------------------------------------------------------------- 56 16.96 19.11 21.94 24.99 28.75 32.88 37.28 71 57 17.78 20.32 23.21 26.74 30.83 35.01 40.32 72 58 18.85 21.42 24.75 28.62 32.81 37.71 43.49 73 ---------------------------------------------------------------------- 59 19.84 22.78 26.38 30.35 35.28 40.67 46.51 74 60 21.13 24.26 27.87 32.49 37.96 43.45 50.29 75 ---------------------------------------------------------------------- 61 22.53 25.64 29.77 34.83 40.46 46.87 54.98 76 62 23.87 27.40 31.85 37.02 43.55 51.06 60.09 77 63 25.47 29.26 33.75 39.72 47.33 55.57 65.72 78 ---------------------------------------------------------------------- 64 27.16 30.95 36.12 43.05 51.39 60.41 71.71 79 65 28.83 33.18 39.15 46.71 55.82 65.64 77.88 80 ---------------------------------------------------------------------- 66 31.15 36.18 42.65 50.81 60.63 71.25 84.13 81 67 34.35 39.79 46.73 55.44 65.90 77.30 90.91 82 68 38.30 44.16 51.49 60.64 71.66 83.79 98.12 83 ---------------------------------------------------------------------- 69 43.00 49.26 56.93 66.41 77.88 90.71 106.35 84 70 48.40 55.07 62.99 72.72 84.56 98.07 115.39 85 ---------------------------------------------------------------------- 71 52.50 59.73 68.32 78.88 91.72 106.39 125.31 86 72 56.83 64.67 73.97 85.41 99.33 115.20 136.11 87 73 61.18 69.61 79.63 91.94 106.92 124.01 147.62 88 ---------------------------------------------------------------------- 74 65.51 74.5_ 85.28 98.47 114.51 132.82 157.54 89 75 69.85 79.49 90.93 105.00 122.11 141.64 165.12 90 ---------------------------------------------------------------------- 76 74.19 84.43 96.59 111.53 129.70 150.44 171.10 91 77 78.53 89.37 102.23 118.06 137.30 159.26 177.15 92 78 82.87 94.31 107.89 124.59 144.90 168.07 187.15 93 ---------------------------------------------------------------------- 79 87.21 99.26 113.55 131.12 152.50 176.89 202.39 94 80 91.56 104.19 119.20 137.65 160.09 185.69 217.91 95 ---------------------------------------------------------------------- 227.54 96 238.15 97 248.97 98 ---------------- 260.01 99 ---------------- 5/17/1982
THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT I YOUR RETENTION LIMITS Effective March 1, 1991 1. LIFE Ages through 70 $500,000* Ages 71 - 75 250,000** Ages 76 - 80 100,000 *$100,000 corridor **$ 50,000 corridor 2. DISABILITY WAIVER OF PREMIUM Same as Life 3. ACCIDENTAL DEATH $200,000 THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT III INSTRUCTIONS FOR THE USE OF THE YEARLY RENEWABLE TERM PREMIUMS PER $1,000 OF REINSURANCE Effective March 1, 1988 1. Reinsurance premiums under this Agreement will be payable on the annual basis regardless of how you receive premiums from your insured. 2. STANDARD AND SUBSTANDARD TABLE EXTRA PREMIUMS A. The rates for the first $2,000,000 on any one life will be your company's appropriate rates set forth to this Exhibit times the following multiples for all years: (1) LVPlus2 (UL), X-881 (EIWL) and XPlus Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.29 1.34 1.16 1.23 (2) Commonwealth 3 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.36 1.41 1.22 1.29 (3) Additional Insured Rider Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.60 1.46 1.28 1.21 We reserve the right to renegotiate the above multiples if you change the rates set forth in this Exhibit. *In addition to existing preferred risk underwriting requirements, the following stipulations must be met for the preferred rates to apply: EXHIBIT III CONTINUES . . . Transamerica Reinsurance -------------------------------------------------------------------------------- AMENDMENT No. 4 This Amendment, between THE LIFE INSURANCE COMPANY OF VIRGINIA, (Reinsured referred to as you, your), and TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY, (Reinsurer referred to as we, us, our), is attached and becomes a part of the Automatic Reinsurance Agreement (3935-3), dated March 1, 1988. 1. Effective March 1, 1988, Exhibit III is replaced by the attached Exhibit III. 2. Effective November 1, 1990, the Instructions Pages of Exhibit III are replaced by the attached Instructions Pages of Exhibit III. 3. Effective January 1, 1991, Schedule C is replaced by the attached Schedule C. 4. Effective March 1, 1991, Schedule A is replaced by the attached Schedule A. 5. Effective March 1, 1991, Exhibit I is replaced by the attached Exhibit I. AMENDMENT No. 4 CONTINUES . . . -------------------------------------------------------------------------------- [LOGO](R) Transamerica life companies 6. Effective August 1, 1991, Schedule A is replaced by the attached Schedule A. 7. This Amendment does not alter, amend or modify the Reinsurance Agreement other than as stated in this Amendment. It is subject to all the terms and conditions of the Reinsurance Agreement together with all Amendments and supplements. Executed in duplicate by Executed in duplicate by THE LIFE INSURANCE TRANSAMERICA OCCIDENTAL COMPANY OF VIRGINIA LIFE INSURANCE COMPANY at Richmond, Virginia, at Los Angeles, California, on March 3, 1992. on February 14, 1992. By /s/ Illegible By /s/ Illegible ------------------------------------ ----------------------------------- Title: __ V.P. Second Vice President By /s/ Illegible By /s/ Illegible ------------------------------------ ----------------------------------- Title: VP + Actuary Second Vice President THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT III INSTRUCTIONS FOR THE USE OF THE YEARLY RENEWABLE TERM PREMIUMS PER $1,000 OF REINSURANCE Effective March 1, 1988 1. Reinsurance premiums under this Agreement will be payable on the annual basis regardless of how you receive premiums from your insured. 2. STANDARD AND SUBSTANDARD TABLE EXTRA PREMIUMS A. The rates for the first $2,000,000 on any one life will be your company's appropriate rates set forth to this Exhibit times the following multiples for all years: (1) LVPlus2 (UL), X-881 (EIWL) and XPlus Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.29 1.34 1.16 1.23 (2) Commonwealth 3 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.36 1.41 1.22 1.29 (3) Additional Insured Rider Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.60 1.46 1.28 1.21 We reserve the right to renegotiate the above multiples if you change the rates set forth in this Exhibit. *In addition to existing preferred risk underwriting requirements, the following stipulations must be met for the preferred rates to apply: EXHIBIT III CONTINUES . . . (1) No tobacco use (2) Standard with no more than 15 debits. (3) No risk factoring (4) No credits. (5) No diabetes. The substandard reinsurance rates will be an additional 25% per table rating of the appropriate rates times the multiples stated above. B. For reinsurance in excess of $2,000,000 on any one life, the Vanguard 134 and 136 ANB rates, excluding the policy fee, set forth in this Exhibit will be used. (1) The rates are applicable to males and also to females with an age adjustment factor. For females attained ages 0-10, use male rates for the same ages. For females ages 11-14, use male rate age 10. For females ages 15 and over, use male rates for an age of 4 years younger. (2) The "Substandard" reinsurance premiums set forth in this Exhibit shall be applied for the purpose of computing the substandard table extra premiums. Substandard table extra premiums shall be dropped at the later of age 65 and 20 years in force. The substandard extras in this Exhibit are for Table 1. For rating higher than Table 1, multiply above rate by the appropriate table. 3. FLAT EXTRA PREMIUM The flat extra premium will be the annual flat extra premium which you charge your insured on that amount of the insurance reinsured less the following allowances. Terms of Your First Renewal Flat Extra Premium Year Years ------------------ ----- ------- More than 4 years 85% 15% 4 years or less 15% 15% 4. RENEWAL AND CONVERSION OF INSURANCE The renewal and conversion of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. The Vanguard rates set forth in this Exhibit will be used, including the policy fee. Any conversions to a plan of insurance reinsured under this Agreement will be on a point-in-scale basis. 5. PREMIUM TAX We will not reimburse you for any premium taxes. PREFERRED NON-SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 0.839 15 0.693 0.830 0.954 1.055 1.124 1.162 0.834 0.792 16 0.840 0.963 1.021 1.078 1.113 0.818 0.788 0.755 17 0.966 1.023 1.048 1.072 0.801 0.770 0.743 0.716 18 0.966 1.011 1.034 0.765 0.762 0.720 0.692 0.667 19 0.924 0.979 0.725 0.715 0.701 0.659 0.635 0.611 20 0.861 0.670 0.675 0.661 0.640 0.588 0.578 0.557 21 0.554 0.610 0.632 0.624 0.605 0.567 0.579 0.572 22 0.484 0.540 0.567 0.556 0.539 0.519 0.514 0.510 23 0.430 0.475 0.503 0.494 0.487 0.465 0.463 0.460 24 0.373 0.412 0.439 0.444 0.435 0.423 0.416 0.421 25 0.332 0.364 0.396 0.400 0.405 0.393 0.395 0.405 26 0.307 0.340 0.365 0.376 0.386 0.387 0.394 0.402 27 0.299 0.321 0.348 0.364 0.380 0.392 0.401 0.414 28 0.298 0.321 0.342 0.364 0.385 0.400 0.414 0.440 29 0.307 0.325 0.348 0.375 0.400 0.419 0.447 0.470 30 0.313 0.336 0.364 0.385 0.414 0.447 0.469 0.507 31 0.316 0.348 0.370 0.400 0.434 0.464 0.500 0.543 32 0.320 0.352 0.382 0.417 0.448 0.489 0.535 0.587 33 0.313 0.352 0.392 0.429 0.474 0.520 0.575 0.629 34 0.299 0.350 0.392 0.441 0.494 0.548 0.605 0.666 35 0.301 0.356 0.411 0.472 0.530 0.591 0.653 0.724 36 0.304 0.376 0.443 0.514 0.583 0.650 0.726 0.805 37 0.321 0.402 0.482 0.565 0.644 0.721 0.805 0.893 38 0.344 0.439 0.535 0.626 0.716 0.801 0.891 0.997 39 0.375 0.489 0.594 0.697 0.794 0.889 0.993 1.115 40 0.412 0.543 0.663 0.779 0.879 0.985 1.109 1.244 41 0.450 0.599 0.740 0.863 0.977 1.100 1.230 1.375 42 0.489 0.659 0.810 0.952 1.086 1.218 1.359 1.518 43 0.528 0.714 0.886 1.048 1.196 1.340 1.491 1.663 44 0.566 0.773 0.969 1.148 1.305 1.463 1.628 1.810 45 0.611 0.841 1.055 1.255 1.427 1.599 1.778 1.980 46 0.660 0.909 1.146 1.371 1.568 1.754 1.956 2.180 47 0.709 0.989 1.252 1.504 1.733 1.946 2.165 2.417 48 0.759 1.077 1.375 1.656 1.934 2.178 2.426 2.715 49 0.814 1.175 1.511 1.838 2.158 2.445 2.741 3.068 50 0.870 1.285 1.667 2.033 2.398 2.741 3.087 3.457 51 0.930 1.407 1.837 2.244 2.655 3.053 3.446 3.842 52 0.999 1.537 2.016 2.471 2.919 3.361 3.783 4.234 53 1.072 1.672 2.207 2.699 3.185 3.640 4.108 4.599 54 1.156 1.820 2.405 2.935 3.440 3.923 4.417 4.948 55 1.249 1.985 2.625 3.182 3.723 4.219 4.730 5.301 56 1.362 2.172 2.866 3.475 4.031 4.538 5.079 5.696 57 1.499 2.389 3.161 3.811 4.375 4.912 5.496 6.154 58 1.658 2.661 3.513 4.206 4.798 5.382 6.008 6.696 59 1.856 2.978 3.916 4.666 5.315 5.949 6.610 7.322 60 2.081 3.330 4.364 5.183 5.914 6.589 7.286 8.030 61 2.339 3.709 4.844 5.753 6.557 7.278 8.020 8.839 62 2.631 4.104 5.339 6.357 7.214 8.000 8.821 9.717 63 2.959 4.562 5.890 6.988 7.885 8.742 9.632 10.623 64 3.330 5.098 6.514 7.651 8.599 9.510 10.473 11.563 65 3.743 5.668 7.178 8.346 9.360 10.345 11.392 12.633 66 4.191 6.233 7.833 9.061 10.182 11.276 12.474 13.860 67 4.690 6.750 8.420 9.792 11.078 12.362 13.733 15.378 68 5.232 7.227 8.961 10.526 12.065 13.600 15.290 17.246 69 5.825 7.709 9.494 11.284 13.116 15.040 17.125 19.506 70 6.466 8.173 10.026 12.033 14.253 16.632 19.243 22.134 71 7.104 8.988 11.012 13.212 15.615 18.214 21.072 24.231 72 7.809 9.871 12.090 14.478 17.106 19.950 23.074 26.519 73 8.564 10.824 13.232 15.838 18.709 21.814 25.214 28.984 74 9.241 11.655 14.238 17.040 20.126 23.456 27.115 31.164 75 9.771 12.316 15.048 18.005 21.254 24.771 28.633 32.891 76 10.210 12.868 15.718 18.799 22.192 25.862 29.877 34.310 77 10.658 13.429 16.397 19.612 23.148 26.961 31.138 35.745 78 11.350 14.295 17.455 20.875 24.624 28.673 33.104 37.989 79 12.368 15.578 19.019 22.732 26.808 31.205 36.015 41.310 80 13.419 16.899 20.620 24.638 29.046 33.798 38.990 44.709 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.011 21 7 0.683 0.838 0.996 1.139 1.254 1.306 0.990 0.973 22 8 0.842 0.998 1.138 1.250 1.299 0.973 0.954 0.946 23 9 1.001 1.139 1.248 1.294 0.959 0.939 0.929 0.926 24 10 1.139 1.246 1.291 0.946 0.925 0.915 0.911 0.893 25 11 1.223 1.262 0.914 0.890 0.877 0.871 0.851 0.839 26 12 1.231 0.879 0.854 0.838 0.829 0.807 0.794 0.768 27 13 0.856 0.819 0.801 0.789 0.765 0.748 0.721 0.727 28 14 0.801 0.773 0.759 0.733 0.715 0.687 0.690 0.689 29 15 0.761 0.730 0.709 0.688 0.658 0.660 0.656 0.648 30 16 0.723 0.693 0.664 0.640 0.640 0.635 0.626 0.620 31 17 0.685 0.655 0.629 0.629 0.624 0.614 0.607 0.587 32 18 0.643 0.622 0.587 0.593 0.589 0.588 0.577 0.547 33 19 0.597 0.574 0.549 0.558 0.562 0.566 0.546 0.527 34 20 0.543 0.535 0.508 0.524 0.529 0.529 0.522 0.512 35 21 0.579 0.583 0.562 0.562 0.550 0.539 0.534 0.505 36 22 0.517 0.531 0.525 0.515 0.516 0.521 0.515 0.505 37 23 0.470 0.490 0.487 0.486 0.503 0.509 0.514 0.534 38 24 0.437 0.452 0.465 0.472 0.490 0.512 0.539 0.570 39 25 0.417 0.436 0.460 0.473 0.505 0.547 0.581 0.620 40 26 0.418 0.446 0.468 0.498 0.542 0.594 0.639 0.682 41 27 0.439 0.464 0.495 0.540 0.593 0.652 0.705 0.751 42 28 0.462 0.497 0.537 0.588 0.645 0.712 0.772 0.836 43 29 0.503 0.553 0.599 0.649 0.711 0.781 0.854 0.928 44 30 0.553 0.609 0.659 0.715 0.780 0.862 0.941 1.038 45 31 0.602 0.660 0.716 0.780 0.858 0.947 1.043 1.163 46 32 0.648 0.714 0.779 0.858 0.943 1.049 1.168 1.309 47 33 0.695 0.770 0.849 0.935 1.044 1.176 1.316 1.469 48 34 0.736 0.816 0.907 1.015 1.154 1.312 1.468 1.659 49 35 0.805 0.886 0.996 1.128 1.289 1.465 1.646 1.873 50 36 0.888 0.984 1.114 1.263 1.441 1.642 1.850 2.094 51 37 0.991 1.103 1.246 1.407 1.604 1.832 2.069 2.326 52 38 1.110 1.235 1.384 1.562 1.777 2.032 2.316 2.600 53 39 1.244 1.374 1.538 1.729 1.964 2.257 2.596 2.916 54 40 1.383 1.532 1.706 1.912 2.178 2.512 2.910 3.307 55 41 1.533 1.698 1.890 2.126 2.426 2.805 3.271 3.769 56 42 1.692 1.877 2.102 2.377 2.715 3.148 3.679 4.291 57 43 1.848 2.074 2.340 2.662 3.056 3.540 4.137 4.814 58 44 2.015 2.286 2.605 2.989 3.443 3.988 4.608 5.397 59 45 2.204 2.523 2.908 3.355 3.879 4.456 5.158 6.005 60 46 2.432 2.797 3.241 3.757 4.330 4.995 5.765 6.663 61 47 2.727 3.117 3.616 4.173 4.840 5.587 6.437 7.401 62 48 3.077 3.487 4.006 4.642 5.388 6.226 7.187 8.260 63 49 3.467 3.881 4.456 5.149 5.975 6.927 8.020 9.241 64 50 3.859 4.323 4.935 5.689 6.610 7.688 8.937 10.315 65 51 4.283 4.787 5.458 6.305 7.351 8.604 10.051 11.663 66 52 4.711 5.261 6.031 7.007 8.229 9.692 11.402 13.322 67 53 5.131 5.739 6.620 7.735 9.110 10.760 12.717 15.042 68 54 5.550 6.235 7.262 8.558 10.134 12.028 14.393 17.084 69 55 5.988 6.760 7.931 9.403 11.178 13.383 16.078 19.080 70 56 6.450 7.318 8.654 10.326 12.395 14.892 17.969 21.469 71 57 6.940 7.929 9.424 11.341 13.650 16.441 19.872 23.907 72 58 7.498 8.607 10.309 12.443 15.033 18.163 22.030 26.340 73 59 8.166 9.402 11.304 13.705 16.660 20.282 24.543 29.449 74 60 8.967 10.288 12.374 15.019 18.340 22.283 27.047 32.448 75 61 9.859 11.274 13.590 16.565 20.222 24.732 30.078 36.267 76 62 10.840 12.373 14.920 18.103 22.167 27.130 33.050 39.983 77 63 11.865 13.556 16.314 19.881 24.417 30.017 36.689 44.671 78 64 12.967 14.767 17.839 21.790 26.882 33.176 40.666 49.769 79 65 14.170 16.166 19.543 23.947 29.626 36.661 45.024 55.186 80 66 15.622 17.804 21.551 26.438 32.724 40.501 49.800 60.839 81 67 17.384 19.812 23.969 29.349 36.231 44.765 55.031 67.040 82 68 19.580 22.285 26.891 32.751 40.222 49.483 60.721 73.762 83 69 22.222 25.236 30.316 36.670 44.694 54.638 66.888 81.449 84 70 25.286 28.631 34.245 41.081 49.626 60.251 73.546 89.994 85 71 27.670 31.335 37.565 45.138 54.623 66.417 81.186 99.462 86 72 30.289 34.292 41.285 49.819 60.508 73.824 90.508 111.185 87 73 33.096 37.448 45.298 54.878 66.895 81.866 100.665 124.774 88 74 35.565 40.234 48.763 59.182 72.256 88.556 109.650 136.123 89 75 37.527 42.435 51.539 62.661 76.616 94.528 117.243 145.811 90 76 39.130 44.234 53.700 65.264 80.156 98.903 122.716 152.647 91 77 40.753 46.048 55.884 68.185 83.751 103.379 128.295 159.617 92 78 43.291 48.900 59.548 72.662 89.285 110.232 136.825 168.827 93 79 47.061 53.313 64.927 79.257 97.408 120.283 148.146 182.794 94 80 51.055 57.843 70.471 86.041 105.766 129.659 159.693 197.022 95
PREFERRED SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.220 15 0.693 0.830 0.954 1.055 1.124 1.162 1.211 1.168 16 0.840 0.963 1.021 1.078 1.113 1.188 1.162 1.130 17 0.966 1.023 1.048 1.072 1.164 1.136 1.112 1.088 18 0.966 1.011 1.034 1.112 1.124 1.077 1.052 1.035 19 0.924 0.979 1.053 1.055 1.049 1.003 0.986 0.966 20 0.861 0.973 0.996 0.990 0.973 0.914 0.914 0.903 21 0.805 0.900 0.946 0.949 0.940 0.896 0.937 0.950 22 0.714 0.808 0.862 0.864 0.853 0.840 0.854 0.874 23 0.643 0.722 0.781 0.781 0.788 0.773 0.793 0.824 24 0.567 0.640 0.694 0.718 0.723 0.725 0.746 0.778 25 0.516 0.575 0.641 0.665 0.693 0.705 0.728 0.764 26 0.486 0.550 0.607 0.644 0.691 0.715 0.742 0.778 27 0.485 0.534 0.596 0.651 0.701 0.738 0.776 0.818 28 0.495 0.549 0.612 0.671 0.726 0.773 0.818 0.875 29 0.526 0.582 0.642 0.706 0.773 0.828 0.888 0.955 30 0.560 0.621 0.685 0.746 0.820 0.890 0.952 1.038 31 0.583 0.656 0.717 0.792 0.863 0.943 1.023 1.129 32 0.602 0.680 0.756 0.829 0.910 1.000 1.113 1.233 33 0.605 0.697 0.779 0.870 0.970 1.081 1.208 1.342 34 0.592 0.697 0.796 0.903 1.027 1.151 1.289 1.437 35 0.599 0.724 0.842 0.982 1.115 1.261 1.410 1.575 36 0.616 0.771 0.922 1.080 1.244 1.404 1.580 1.764 37 0.658 0.836 1.014 1.204 1.389 1.570 1.764 1.977 38 0.716 0.922 1.140 1.352 1.558 1.757 1.973 2.219 39 0.788 1.042 1.282 1.517 1.741 1.968 2.211 2.470 40 0.878 1.172 1.442 1.708 1.948 2.194 2.458 2.746 41 0.970 1.303 1.621 1.910 2.176 2.437 2.715 3.022 42 1.064 1.445 1.795 2.119 2.407 2.690 2.989 3.324 43 1.158 1.580 1.974 2.321 2.640 2.946 3.266 3.619 44 1.254 1.720 2.147 2.534 2.870 3.205 3.544 3.910 45 1.361 1.863 2.329 2.759 3.125 3.481 3.840 4.218 46 1.463 2.006 2.519 3.003 3.413 3.789 4.169 4.593 47 1.566 2.174 2.743 3.273 3.743 4.146 4.562 5.025 48 1.669 2.359 2.993 3.577 4.121 4.588 5.043 5.550 49 1.783 2.557 3.262 3.916 4.546 5.083 5.603 6.162 50 1.893 2.775 3.552 4.283 4.985 5.604 6.200 6.816 51 2.008 2.998 3.869 4.666 5.429 6.132 6.794 7.449 52 2.130 3.238 4.193 5.052 5.863 6.628 7.334 8.014 53 2.259 3.478 4.512 5.421 6.279 7.056 7.776 8.507 54 2.403 3.721 4.830 5.787 6.669 7.425 8.169 8.970 55 2.554 3.987 5.176 6.168 7.046 7.804 8.575 9.419 56 2.735 4.282 5.557 6.577 7.456 8.226 9.026 9.922 57 2.955 4.631 5.983 7.050 7.931 8.730 9.575 10.498 58 3.215 5.037 6.497 7.625 8.526 9.376 10.249 11.188 59 3.513 5.509 7.099 8.292 9.258 10.149 11.044 11.976 60 3.848 6.037 7.756 9.029 10.089 11.009 11.917 12.851 61 4.240 6.592 8.438 9.814 10.955 11.904 12.835 13.826 62 4.676 7.149 9.108 10.621 11.800 12.802 13.798 14.855 63 5.155 7.782 9.841 11.430 12.619 13.675 14.725 15.864 64 5.682 8.519 10.654 12.244 13.451 14.539 15.639 16.855 65 6.253 9.270 11.487 13.056 14.309 15.448 16.606 17.966 66 6.854 9.975 12.254 13.853 15.205 16.437 17.740 19.221 67 7.505 10.559 12.872 14.623 16.148 17.581 19.044 20.777 68 8.184 11.048 13.381 15.345 17.158 18.859 20.659 22.842 69 8.905 11.511 13.840 16.047 18.188 20.322 22.683 25.313 70 9.655 11.914 14.258 16.687 19.258 22.029 24.972 28.133 71 10.356 12.782 15.270 17.851 20.682 23.637 26.784 30.152 72 11.105 13.688 16.335 19.176 22.198 25.358 28.713 32.293 73 11.876 14.625 17.256 20.552 23.781 27.144 30.703 34.524 74 12.486 15.437 18.477 21.659 25.044 28.562 32.298 36.286 75 12.942 15.983 19.126 22.405 25.882 29.506 33.339 37.423 76 13.249 16.356 19.559 22.892 26.433 30.113 33.994 38.124 77 13.547 16.711 19.967 23.361 26.952 30.676 34.600 38.762 78 14.123 17.408 20.792 24.305 28.016 31.860 35.898 40.182 79 15.061 18.556 22.145 25.864 29.787 33.838 38.094 42.595 80 15.984 19.676 23.460 27.377 31.497 35.750 40.203 44.910 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.566 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.517 1.530 22 8 0.842 0.998 1.138 1.250 1.299 1.477 1.486 1.509 23 9 1.001 1.139 1.248 1.294 1.441 1.447 1.468 1.502 24 10 1.139 1.246 1.291 1.406 1.412 1.431 1.463 1.478 25 11 1.223 1.262 1.343 1.343 1.357 1.384 1.394 1.414 26 12 1.231 1.278 1.274 1.283 1.304 1.310 1.324 1.326 27 13 1.243 1.209 1.213 1.227 1.228 1.236 1.233 1.287 28 14 1.181 1.157 1.167 1.164 1.168 1.162 1.210 1.256 29 15 1.139 1.111 1.114 1.113 1.102 1.145 1.185 1.237 30 16 1.099 1.076 1.063 1.059 1.099 1.135 1.183 1.220 31 17 1.063 1.036 1.031 1.069 1.103 1.149 1.183 1.179 32 18 1.016 1.007 0.986 1.038 1.092 1.133 1.148 1.128 33 19 0.966 0.954 0.950 1.022 1.073 1.115 1.115 1.111 34 20 0.902 0.915 0.921 0.990 1.032 1.069 1.090 1.085 35 21 0.991 1.045 1.050 1.084 1.101 1.114 1.120 1.093 36 22 0.926 0.980 1.001 1.020 1.054 1.081 1.104 1.103 37 23 0.867 0.923 0.953 0.982 1.033 1.080 1.110 1.185 38 24 0.823 0.874 0.930 0.960 1.029 1.095 1.184 1.278 39 25 0.807 0.862 0.925 0.982 1.069 1.189 1.289 1.408 40 26 0.827 0.887 0.960 1.043 1.166 1.305 1.438 1.568 41 27 0.873 0.942 1.026 1.149 1.289 1.451 1.605 1.742 42 28 0.938 1.017 1.131 1.264 1.421 1.606 1.774 1.953 43 29 1.030 1.151 1.274 1.416 1.587 1.776 1.976 2.189 44 30 1.151 1.280 1.421 1.578 1.756 1.973 2.198 2.463 45 31 1.264 1.407 1.564 1.737 1.944 2.190 2.451 2.747 46 32 1.382 1.541 1.714 1.922 2.158 2.440 2.732 3.080 47 33 1.500 1.675 1.882 2.118 2.403 2.723 3.066 3.442 48 34 1.601 1.789 2.032 2.311 2.644 3.025 3.405 3.872 49 35 1.764 1.963 2.244 2.557 2.942 3.364 3.805 4.345 50 36 1.967 2.192 2.497 2.852 3.274 3.758 4.249 4.820 51 37 2.206 2.444 2.783 3.163 3.632 4.166 4.717 5.283 52 38 2.461 2.727 3.079 3.498 3.998 4.584 5.207 5.838 53 39 2.747 3.021 3.406 3.849 4.386 5.024 5.772 6.463 54 40 3.040 3.354 3.755 4.223 4.798 5.528 6.386 7.205 55 41 3.357 3.696 4.128 4.633 5.283 6.093 7.057 8.068 56 42 3.684 4.053 4.531 5.121 5.835 6.722 7.798 9.016 57 43 3.991 4.420 4.986 5.661 6.458 7.427 8.608 9.947 58 44 4.293 4.815 5.479 6.250 7.149 8.214 9.428 10.887 59 45 4.642 5.247 6.013 6.891 7.906 9.024 10.302 11.839 60 46 5.057 5.719 6.583 7.576 8.677 9.875 11.253 12.874 61 47 5.576 6.261 7.211 8.273 9.470 10.796 12.315 14.017 62 48 6.181 6.875 7.855 8.986 10.303 11.791 13.478 15.336 63 49 6.836 7.523 8.531 9.739 11.196 12.860 14.744 16.803 64 50 7.480 8.182 9.234 10.546 12.143 13.990 16.089 18.368 65 51 8.107 8.855 10.008 11.459 13.239 15.334 17.723 20.331 66 52 8.713 9.538 10.840 12.485 14.513 16.918 19.680 22.722 67 53 9.302 10.199 11.664 13.495 15.737 18.384 21.477 25.078 68 54 9.862 10.862 12.531 14.624 17.134 20.107 23.760 27.836 69 55 10.431 11.532 13.404 15.730 18.493 21.869 25.939 30.367 70 56 11.003 12.228 14.318 16.900 20.044 23.783 28.317 33.355 71 57 11.596 12.969 15.253 18.143 21.573 25.647 30.570 36.235 72 58 12.265 13.774 16.311 19.455 23.207 27.659 33.062 38.930 73 59 13.068 14.708 17.479 20.931 25.106 30.132 35.917 42.407 74 60 14.027 15.728 18.690 22.391 26.963 32.280 38.565 45.806 75 61 15.073 16.836 20.037 24.094 28.989 34.908 42.043 50.160 76 62 16.187 18.036 21.461 25.674 30.963 37.539 45.261 54.164 77 63 17.295 19.278 22.883 27.473 33.433 40.692 49.213 59.245 78 64 18.440 20.477 24.380 29.518 36.064 44.051 53.403 64.592 79 65 19.650 21.843 26.182 31.782 38.929 47.656 57.858 70.059 80 66 21.107 23.583 28.287 34.368 42.096 51.520 62.600 75.497 81 67 23.026 25.710 30.816 37.350 45.610 55.702 67.619 81.295 82 68 25.409 28.326 33.846 40.788 49.528 60.187 72.908 87.353 83 69 28.245 31.403 37.340 44.672 53.797 64.941 78.434 94.133 84 70 31.465 34.864 41.258 48.919 58.371 69.937 84.164 101.453 85 71 33.694 37.325 44.240 52.524 62.745 75.238 90.624 109.302 86 72 36.078 39.927 47.512 56.615 67.832 81.573 98.484 119.033 87 73 38.535 42.608 50.910 60.862 73.149 88.180 106.711 131.214 88 74 40.465 44.707 53.485 64.023 77.020 92.926 114.176 140.564 89 75 41.699 46.016 55.140 66.078 79.561 97.435 119.877 147.801 90 76 42.432 46.788 56.005 67.047 81.762 100.103 123.169 151.840 91 77 43.106 47.480 56.779 68.807 83.886 102.712 126.362 155.768 92 78 44.638 49.120 59.430 72.001 87.786 107.473 132.212 163.147 93 79 47.273 52.604 63.628 77.093 93.983 115.053 141.754 174.907 94 80 50.376 56.043 67.793 82.128 100.116 122.811 151.300 186.653 95
NON-SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.213 15 0.693 0.830 0.954 1.055 1.124 1.162 1.204 1.144 16 0.840 0.963 1.021 1.078 1.113 1.181 1.138 1.091 17 0.966 1.023 1.048 1.072 1.157 1.112 1.073 1.034 18 0.966 1.011 1.034 1.105 1.100 1.039 0.999 0.963 19 0.924 0.979 1.047 1.033 1.013 0.952 0.917 0.882 20 0.861 0.967 0.975 0.955 0.924 0.850 0.835 0.805 21 0.800 0.881 0.913 0.902 0.874 0.819 0.836 0.826 22 0.699 0.780 0.819 0.803 0.779 0.749 0.742 0.737 23 0.621 0.686 0.727 0.713 0.703 0.672 0.669 0.664 24 0.538 0.595 0.633 0.641 0.629 0.612 0.601 0.609 25 0.480 0.525 0.572 0.578 0.585 0.568 0.570 0.585 26 0.444 0.490 0.528 0.543 0.557 0.559 0.569 0.581 27 0.432 0.464 0.503 0.525 0.549 0.566 0.579 0.598 28 0.431 0.463 0.494 0.525 0.556 0.577 0.597 0.635 29 0.444 0.469 0.502 0.541 0.577 0.605 0.645 0.680 30 0.452 0.485 0.525 0.557 0.598 0.646 0.677 0.732 31 0.456 0.502 0.535 0.578 0.627 0.671 0.722 0.784 32 0.462 0.508 0.552 0.602 0.648 0.706 0.773 0.847 33 0.452 0.509 0.566 0.619 0.684 0.751 0.830 0.909 34 0.432 0.506 0.566 0.637 0.713 0.791 0.873 0.962 35 0.435 0.515 0.594 0.682 0.766 0.854 0.944 1.046 36 0.438 0.544 0.640 0.742 0.843 0.939 1.049 1.163 37 0.464 0.580 0.697 0.816 0.930 1.042 1.163 1.290 38 0.497 0.634 0.772 0.905 1.034 1.158 1.287 1.440 39 0.541 0.706 0.858 1.007 1.147 1.284 1.434 1.610 40 0.595 0.784 0.957 1.126 1.270 1.423 1.602 1.797 41 0.650 0.865 1.068 1.246 1.412 1.588 1.777 1.986 42 0.706 0.952 1.170 1.374 1.569 1.760 1.964 2.192 43 0.763 1.031 1.280 1.513 1.727 1.935 2.154 2.402 44 0.818 1.116 1.399 1.658 1.885 2.114 2.352 2.615 45 0.883 1.214 1.524 1.813 2.061 2.310 2.568 2.860 46 0.953 1.313 1.655 1.981 2.265 2.534 2.826 3.149 47 1.025 1.428 1.809 2.172 2.503 2.811 3.128 3.491 48 1.097 1.556 1.986 2.392 2.794 3.146 3.504 3.921 49 1.176 1.697 2.182 2.654 3.117 3.531 3.959 4.431 50 1.256 1.856 2.408 2.937 3.463 3.960 4.459 4.993 51 1.343 2.033 2.653 3.241 3.836 4.410 4.977 5.550 52 1.444 2.221 2.912 3.569 4.216 4.855 5.464 6.116 53 1.549 2.416 3.188 3.898 4.600 5.257 5.934 6.644 54 1.670 2.629 3.473 4.239 4.969 5.666 6.380 7.148 55 1.804 2.867 3.792 4.596 5.377 6.094 6.833 7.656 56 1.967 3.137 4.140 5.019 5.823 6.554 7.337 8.227 57 2.165 3.450 4.566 5.505 6.319 7.096 7.939 8.889 58 2.396 3.844 5.074 6.076 6.930 7.774 8.678 9.672 59 2.681 4.302 5.657 6.740 7.677 8.593 9.547 10.576 60 3.005 4.811 6.304 7.487 8.542 9.517 10.524 11.599 61 3.379 5.358 6.996 8.310 9.471 10.513 11.585 12.767 62 3.800 5.928 7.712 9.182 10.421 11.555 12.742 14.035 63 4.274 6.589 8.508 10.094 11.390 12.627 13.913 15.345 64 4.811 7.364 9.409 11.051 12.420 13.737 15.128 16.702 65 5.406 8.187 10.368 12.056 13.520 14.942 16.455 18.248 66 6.053 9.004 11.315 13.089 14.708 16.287 18.018 20.021 67 6.774 9.750 12.162 14.145 16.001 17.857 19.836 22.212 68 7.558 10.439 12.943 15.205 17.427 19.644 22.086 24.910 69 8.414 11.135 13.714 16.299 18.945 21.725 24.737 28.175 70 9.340 11.805 14.482 17.381 20.588 24.024 27.796 31.971 71 10.262 12.982 15.906 19.083 22.555 26.310 30.438 35.000 72 11.279 14.258 17.463 20.912 24.708 28.817 33.330 38.306 73 12.370 15.635 19.113 22.876 27.024 31.509 36.420 41.866 74 13.348 16.835 20.566 24.613 29.071 33.881 39.167 45.015 75 14.114 17.790 21.735 26.008 30.701 35.781 41.359 47.510 76 14.748 18.587 22.704 27.154 32.055 37.357 43.156 49.559 77 15.395 19.397 23.684 28.329 33.436 38.944 44.978 51.632 78 16.394 20.649 25.213 30.153 35.568 41.417 47.817 54.873 79 17.865 22.502 27.472 32.835 38.722 45.074 52.021 59.671 80 19.383 24.410 29.784 35.589 41.955 48.820 56.319 64.579 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------- ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.224 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.235 1.178 22 8 0.842 0.998 1.138 1.250 1.299 1.251 1.191 1.145 23 9 1.001 1.139 1.248 1.294 1.270 1.207 1.159 1.122 24 10 1.139 1.246 1.291 1.291 1.225 1.176 1.137 1.081 25 11 1.223 1.262 1.282 1.214 1.162 1.120 1.062 1.016 26 12 1.231 1.270 1.198 1.143 1.098 1.038 0.990 0.930 27 13 1.236 1.183 1.124 1.076 1.013 0.962 0.900 0.880 28 14 1.157 1.116 1.065 0.999 0.946 0.883 0.861 0.834 29 15 1.099 1.055 0.995 0.939 0.872 0.848 0.819 0.785 30 16 1.044 l.001 0.933 0.872 0.847 0.817 0.781 0.750 31 17 0.989 0.946 0.883 0.857 0.826 0.789 0.758 0.711 32 18 0.928 0.898 0.823 0.809 0.781 0.756 0.720 0.662 33 19 0.862 0.829 0.770 0.761 0.745 0.728 0.682 0.638 34 20 0.784 0.773 0.713 0.715 0.701 0.680 0.651 0.620 35 21 0.837 0.843 0.789 0.767 0.729 0.693 0.666 0.611 36 22 0.747 0.767 0.737 0.703 0.683 0.669 0.643 0.612 37 23 0.678 0.707 0.683 0.662 0.666 0.655 0.641 0.647 38 24 0.631 0.652 0.653 0.643 0.649 0.658 0.673 0.690 39 25 0.602 0.629 0.646 0.645 0.669 0.703 0.725 0.750 40 26 0.604 0.644 0.656 0.679 0.718 0.764 0.797 0.825 41 27 0.634 0.670 0.695 0.736 0.785 0.838 0.879 0.909 42 28 0.668 0.718 0.754 0.802 0.854 0.916 0.964 1.012 43 29 0.727 0.799 0.841 0.886 0.942 1.004 1.066 1.123 44 30 0.799 0.880 0.925 0.975 1.034 1.108 1.174 1.256 45 31 0.869 0.953 1.006 1.064 1.136 1.217 1.302 1.408 46 32 0.936 1.032 1.093 1.169 1.248 1.349 1.458 1.585 47 33 1.004 1.112 1.192 1.275 1.382 1.512 1.642 1.778 48 34 1.063 1.179 1.273 1.384 1.528 1.687 1.831 2.008 49 35 1.162 1.280 1.398 1.539 1.707 1.883 2.054 2.267 50 36 1.283 1.422 1.564 1.723 1.908 2.112 2.308 2.535 51 37 1.431 1.593 1.750 1.918 2.124 2.356 2.582 2.816 52 38 1.604 1.784 1.943 2.130 2.353 2.612 2.889 3.148 53 39 1.798 1.985 2.158 2.358 2.601 2.902 3.240 3.530 54 40 1.997 2.212 2.394 2.607 2.885 3.230 3.631 4.003 55 41 2.214 2.452 2.652 2.899 3.212 3.607 4.082 4.562 56 42 2.444 2.711 2.951 3.241 3.595 4.047 4.591 5.194 57 43 2.669 2.996 3.285 3.630 4.047 4.551 5.162 5.828 58 44 2.910 3.302 3.657 4.076 4.560 5.127 5.750 6.533 59 45 3.183 3.645 4.081 4.575 5.137 5.729 6.436 7.270 60 46 3.513 4.040 4.549 5.123 5.734 6.422 7.194 8.066 61 47 3.939 4.503 5.075 5.690 6.409 7.184 8.032 8.959 62 48 4.445 5.036 5.623 6.330 7.136 8.005 8.968 9.999 63 49 5.008 5.605 6.255 7.021 7.912 8.906 10.008 11.187 64 50 5.573 6.244 6.928 7.757 8.754 9.884 11.151 12.486 65 51 6.187 6.915 7.661 8.597 9.736 11.063 12.541 14.118 66 52 6.804 7.600 8.465 9.556 10.898 12.462 14.227 16.127 67 53 7.412 8.290 9.292 10.547 12.065 13.834 15.868 18.209 68 54 8.016 9.006 10.194 11.670 13.420 15.464 17.960 20.681 69 55 8.650 9.764 11.133 12.823 14.803 17.207 20.062 23.097 70 56 9.317 10.571 12.148 14.081 16.415 19.147 22.422 25.989 71 57 10.024 11.453 13.228 15.465 18.077 21.138 24.796 28.940 72 58 10.831 12.433 14.470 16.968 19.908 23.353 27.489 31.886 73 59 11.795 13.581 15.867 18.689 22.063 26.077 30.624 35.649 74 60 12.952 14.860 17.369 20.480 24.289 28.650 33.749 39.279 75 61 14.241 16.285 19.076 22.589 26.780 31.798 37.531 43.902 76 62 15.657 17.872 20.943 24.686 29.357 34.881 41.239 48.400 77 63 17.138 19.581 22.900 27.111 32.335 38.593 45.780 54.076 78 64 18.730 21.330 25.041 29.714 35.601 42.655 50.743 60.247 79 65 20.468 23.351 27.431 32.655 39.235 47.135 56.180 66.804 80 66 22.565 25.718 30.250 36.051 43.337 52.073 62.140 73.647 81 67 25.110 28.617 33.645 40.021 47.982 57.555 68.667 81.154 82 68 28.283 32.189 37.746 44.661 53.267 63.621 75.767 89.290 83 69 32.098 36.452 42.554 50.004 59.189 70.249 83.462 98.596 84 70 36.524 41.356 48.068 56.020 65.721 77.465 91.770 108.940 85 71 39.967 45.262 52.729 61.552 72.339 85.394 101.303 120.401 86 72 43.750 49.532 57.951 67.935 80.133 94.917 112.935 134.593 87 73 47.806 54.092 63.583 74.833 88.591 105.256 125.608 151.042 88 74 51.371 58.116 68.447 80.703 95.690 113.857 136.820 164.781 89 75 54.206 61.295 72.344 85.447 101.465 121.536 146.294 176.507 90 76 56.521 63.893 75.377 88.996 106.153 127.161 153.124 184.783 91 77 58.865 66.514 78.442 92.979 110.914 132.916 160.085 193.221 92 78 62.532 70.634 83.586 99.084 118.243 141.727 170.729 204.369 93 79 67.977 77.008 91.136 108.078 128.999 154.650 184.854 221.277 94 80 73.746 83.550 98.918 117.329 140.069 166.704 199.263 238.501 95
SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.891 15 0.693 0.830 0.954 1.055 1.124 1.162 1.878 1.811 16 0.840 0.963 1.021 1.078 1.113 1.841 1.802 1.752 17 0.966 1.023 1.048 1.072 1.803 1.760 1.723 1.687 18 0.966 1.011 1.034 1.723 1.742 1.670 1.631 1.605 19 0.924 0.979 1.633 1.635 1.627 1.554 1.528 1.498 20 0.861 1.508 1.544 1.534 1.508 1.416 1.416 1.399 21 1.247 1.396 1.467 1.471 1.457 1.389 1.453 1.473 22 1.107 1.253 1.336 1.338 1.322 1.302 1.323 1.354 23 0.997 1.120 1.211 1.210 1.222 1.198 1.229 1.277 24 0.879 0.992 1.075 1.113 1.121 1.123 1.156 1.206 25 0.799 0.892 0.994 1.030 1.073 1.093 1.129 1.184 26 0.753 0.852 0.941 0.998 1.071 1.108 1.150 1.206 27 0.752 0.828 0.924 1.010 1.087 1.144 1.203 1.268 28 0.768 0.850 0.949 1.041 1.125 1.199 1.268 1.356 29 0.815 0.902 0.995 1.094 1.198 1.284 1.376 1.481 30 0.868 0.962 1.062 1.156 1.270 1.379 1.475 1.608 31 0.904 1.016 1.111 1.227 1.338 1.461 1.586 1.749 32 0.934 1.054 1.172 1.285 1.411 1.550 1.725 1.911 33 0.938 1.080 1.208 1.349 1.503 1.676 1.873 2.080 34 0.917 1.080 1.233 1.400 1.592 1.785 1.998 2.228 35 0.929 1.122 1.306 1.522 1.728 1.954 2.185 2.442 36 0.955 1.194 1.428 1.674 1.928 2.175 2.449 2.735 37 1.020 1.296 1.571 1.866 2.153 2.433 2.735 3.065 38 1.110 1.429 1.766 2.095 2.415 2.723 3.058 3.440 39 1.221 1.615 1.988 2.351 2.698 3.051 3.427 3.829 40 1.361 1.816 2.236 2.648 3.019 3.401 3.810 4.256 41 1.504 2.020 2.513 2.961 3.373 3.777 4.208 4.685 42 1.649 2.239 2.782 3.284 3.730 4.169 4.633 5.152 43 1.795 2.449 3.060 3.598 4.092 4.566 5.062 5.610 44 1.943 2.667 3.328 3.927 4.448 4.967 5.494 6.061 45 2.109 2.887 3.611 4.277 4.844 5.395 5.953 6.538 46 2.267 3.110 3.904 4.655 5.291 5.873 6.461 7.118 47 2.427 3.369 4.251 5.073 5.801 6.426 7.070 7.789 48 2.588 3.657 4.639 5.544 6.387 7.112 7.817 8.603 49 2.763 3.963 5.057 6.069 7.046 7.879 8.685 9.551 50 2.934 4.301 5.506 6.639 7.727 8.687 9.610 10.565 51 3.113 4.647 5.997 7.232 8.415 9.505 10.531 11.546 52 3.301 5.020 6.498 7.831 9.087 10.273 11.367 12.421 53 3.501 5.390 6.994 8.402 9.732 10.936 12.053 13.187 54 3.725 5.768 7.486 8.969 10.337 11.508 12.663 13.904 55 3.958 6.180 8.022 9.561 10.921 12.096 13.292 14.600 56 4.239 6.637 8.613 10.194 11.557 12.750 13.991 15.379 57 4.580 7.178 9.273 10.927 12.293 13.531 14.841 16.273 58 4.983 7.807 10.071 11.819 13.216 14.533 15.885 17.341 59 5.446 8.538 11.004 12.853 14.350 15.731 17.118 18.563 60 5.965 9.358 12.022 13.995 15.638 17.063 18.471 19.919 61 6.573 10.217 13.079 15.212 16.981 18.451 19.894 21.430 62 7.247 11.081 14.118 16.463 18.290 19.843 21.388 23.025 63 7.990 12.062 15.254 17.717 19.560 21.196 22.824 24.589 64 8.806 13.204 16.514 18.978 20.848 22.536 24.241 26.126 65 9.693 14.368 17.805 20.237 22.180 23.944 25.739 27.847 66 10.624 15.462 18.993 21.471 23.569 25.477 27.497 29.792 67 11.633 16.366 19.952 22.666 25.030 27.250 29.518 32.204 68 12.686 17.125 20.741 23.784 26.595 29.232 32.021 35.406 69 13.803 17.843 21.452 24.873 28.191 31.498 35.159 39.235 70 14.966 18.467 22.100 25.864 29.850 34.146 38.706 43.607 71 16.052 19.811 23.669 27.668 32.058 36.637 41.516 46.735 72 17.212 21.216 25.320 29.723 34.407 39.305 44.505 50.054 73 18.408 22.668 27.166 31.856 36.860 42.074 47.590 53.512 74 19.353 23.928 28.639 33.571 38.818 44.272 50.062 56.243 75 20.060 24.774 29.646 34.728 40.117 45.734 51.675 58.006 76 20.537 25.352 30.316 35.483 40.972 46.674 52.690 59.092 77 20.998 25.901 30.948 36.209 41.775 47.547 53.629 60.081 78 21.891 26.982 32.227 37.674 43.426 49.384 55.642 62.283 79 23.344 28.762 34.324 40.089 46.171 52.450 59.046 66.022 80 24.774 30.498 36.364 42.435 48.820 55.___ 62.314 69.611 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------- ------- ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.949 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.958 1.904 22 8 0.842 0.998 1.138 1.250 1.299 1.976 1.917 1.878 23 9 1.001 1.139 1.248 1.294 2.000 1.937 1.894 1.869 24 10 1.139 1.246 1.291 2.025 1.960 1.915 1.888 1.840 25 11 1.223 1.262 2.006 1.934 1.884 1.852 1.800 1.760 26 12 1.231 1.981 1.903 1.848 1.810 1.753 1.709 1.651 27 13 1.927 1.874 1.811 1.767 1.704 1.654 1.591 1.601 28 14 1.831 1.793 1.744 1.676 1.622 1.555 1.562 1.563 29 15 1.766 1.722 1.664 1.603 1.530 1.533 1.529 1.540 30 16 1.703 1.668 1.588 1.525 1.526 1.520 1.527 1.518 31 17 1.648 1.606 1.540 1.539 1.532 1.538 1.527 1.468 32 18 1.575 1.561 1.473 1.495 1.515 1.517 1.481 1.404 33 19 1.497 1.479 1.419 1.471 1.490 1.493 1.440 1.382 34 20 1.398 1.419 1.376 1.426 1.432 1.431 1.406 1.351 35 21 1.536 1.620 1.569 1.561 1.528 1.491 1.445 1.360 36 22 1.436 1.520 1.496 1.469 1.464 1.447 1.425 1.372 37 23 1.344 1.431 1.423 1.414 1.434 1.446 1.432 1.475 38 24 1.276 1.354 1.389 1.382 1.428 1.466 1.528 1.590 39 25 1.251 1.336 1.382 1.414 1.484 1.591 1.663 1.753 40 26 1.281 1.374 1.435 1.503 1.619 1.747 1.855 1.951 41 27 1.353 1.460 1.533 1.654 1.789 1.943 2.071 2.168 42 28 1.455 1.576 1.689 1.820 1.973 2.149 2.289 2.430 43 29 1.597 1.784 1.903 2.039 2.203 2.377 2.550 2.724 44 30 1.784 1.984 2.123 2.272 2.437 2.641 2.837 3.065 45 31 1.960 2.181 2.336 2.501 2.698 2.931 3.164 3.419 46 32 2.142 2.389 2.561 2.768 2.996 3.266 3.526 3.832 47 33 2.326 2.597 2.811 3.050 3.336 3.644 3.957 4.283 48 34 2.482 2.773 3.035 3.328 3.670 4.049 4.395 4.819 49 35 2.733 3.043 3.352 3.683 4.084 4.502 4.911 5.408 50 36 3.049 3.398 3.731 4.107 4.546 5.029 5.484 5.999 51 37 3.419 3.787 4.157 4.555 5.042 5.576 6.087 6.574 52 38 3.814 4.226 4.599 5.038 5.550 6.135 6.720 7.265 53 39 4.258 4.683 5.088 5.543 6.089 6.724 7.449 8.043 54 40 4.712 5.199 5.610 6.081 6.660 7.399 8.241 8.966 55 41 5.204 5.728 6.167 6.672 7.334 8.155 9.108 10.040 56 42 5.709 6.282 6.769 7.374 8.100 8.998 10.064 11.220 57 43 6.186 6.851 7.449 8.152 8.966 9.941 11.109 12.378 58 44 6.655 7.463 8.185 9.000 9.924 10.994 12.167 13.548 59 45 7.196 8.132 8.982 9.923 10.975 12.078 13.296 14.733 60 46 7.838 8.864 9.835 10.910 12.046 13.218 14.523 16.020 61 47 8.642 9.705 10.772 11.913 13.146 14.450 15.893 17.444 62 48 9.581 10.656 11.735 12.939 14.303 15.782 17.394 19.085 63 49 10.596 11.661 12.744 14.025 15.543 17.212 19.029 20.910 64 50 11.595 12.682 13.794 15.187 16.858 18.725 20.764 22.858 65 51 12.566 13.725 14.951 16.500 18.379 20.524 22.872 25.301 66 52 13.505 14.784 16.193 17.978 20.147 22.644 25.399 28.277 67 53 14.418 15.809 17.425 19.433 21.846 24.607 27.717 31.208 68 54 15.286 16.835 18.720 21.059 23.787 26.913 30.664 34.640 69 55 16.169 17.875 20.024 22.651 25.672 29.271 33.476 37.790 70 56 17.055 18.953 21.389 24.336 27.826 31.833 36.546 41.508 71 57 17.973 20.102 22.787 26.126 29.948 34.327 39.452 45.093 72 58 19.010 21.350 24.366 28.015 32.217 37.020 42.669 48.446 73 59 20.255 22.797 26.112 30.141 34.853 40.330 46.353 52.774 74 60 21.741 24.378 27.921 32.243 37.431 43.205 49.771 57.003 75 61 23.362 26.096 29.933 34.695 40.244 46.722 54.259 62.422 76 62 25.089 27.956 32.061 36.971 42.984 50.244 58.413 67.405 77 63 26.808 29.882 34.184 39.560 46.413 54.465 63.513 73.727 78 64 28.583 31.740 36.420 42.506 50.065 58.961 68.920 80.381 79 65 30.458 33.856 39.112 45.766 54.043 63.786 74.670 87.184 80 66 32.716 36.553 42.258 49.490 58.439 68.958 80.789 93.952 81 67 35.690 39.851 46.035 53.785 63.317 74.555 87.266 101.167 82 68 39.385 43.905 50.562 58.735 68.757 80.558 94.092 108.706 83 69 43.780 48.674 55.781 64.327 74.683 86.921 101.224 117.144 84 70 48.770 54.040 61.634 70.444 81.032 93.607 108.620 126.252 85 71 52.225 57.853 66.089 75.634 87.105 100.703 116.956 136.020 86 72 55.921 61.887 70.977 81.525 94.166 109.183 127.100 148.131 87 73 59.729 66.042 76.053 87.641 101.548 118.025 137.717 163.289 88 74 62.720 69.296 79.899 92.193 106.922 124.377 147.352 174.924 89 75 64.633 71.325 82.372 95.152 110.450 130.412 154.709 183.930 90 76 65.770 72.522 83.664 96.548 113.505 133.984 158.957 188.956 91 77 66.815 73.594 84.821 99.083 116.454 137.476 163.079 193.844 92 78 69.188 76.136 88.781 103.681 121.868 143.849 170.629 203.027 93 79 73.273 81.536 95.052 111.014 130.471 153.994 182.942 217.662 94 80 78.083 86.866 101.274 118.265 138.984 164.377 195.263 232.279 95
PREFERRED NON-SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.409 15 0.317 0.382 0.442 0.492 0.527 0.548 0.411 0.393 16 0.384 0.444 0.475 0.506 0.527 0.406 0.395 0.379 17 0.451 0.482 0.498 0.514 0.404 0.392 0.379 0.367 18 0.460 0.486 0.502 0.391 0.393 0.373 0.360 0.351 19 0.449 0.480 0.374 0.372 0.367 0.347 0.338 0.329 20 0.426 0.349 0.355 0.350 0.341 0.318 0.316 0.306 21 0.308 0.338 0.347 0.340 0.329 0.307 0.311 0.308 22 0.294 0.325 0.339 0.332 0.321 0.306 0.304 0.300 23 0.287 0.315 0.334 0.327 0.319 0.306 0.303 0.302 24 0.276 0.305 0.324 0.324 0.319 0.309 0.305 0.308 25 0.268 0.293 0.316 0.320 0.322 0.314 0.314 0.321 26 0.255 0.280 0.302 0.309 0.318 0.318 0.321 0.330 27 0.256 0.275 0.296 0.310 0.323 0.331 0.340 0.351 28 0.260 0.278 0.297 0.315 0.331 0.345 0.357 0.378 29 0.268 0.284 0.302 0.324 0.346 0.363 0.385 0.410 30 0.278 0.298 0.320 0.340 0.366 0.392 0.415 0.447 31 0.284 0.311 0.332 0.358 0.386 0.417 0.447 0.486 32 0.286 0.315 0.342 0.370 0.402 0.436 0.478 0.523 33 0.280 0.315 0.347 0.383 0.422 0.463 0.511 0.559 34 0.271 0.315 0.355 0.397 0.445 0.493 0.543 0.596 35 0.271 0.323 0.371 0.425 0.477 0.531 0.585 0.645 36 0.271 0.334 0.393 0.455 0.516 0.573 0.637 0.703 37 0.280 0.351 0.420 0.491 0.558 0.623 0.692 0.767 38 0.301 0.383 0.466 0.545 0.620 0.691 0.767 0.854 39 0.328 0.427 0.518 0.605 0.686 0.767 0.853 0.951 40 0.354 0.466 0.566 0.662 0.747 0.832 0.931 1.040 41 0.379 0.503 0.618 0.720 0.812 0.907 1.011 1.124 42 0.411 0.552 0.678 0.792 0.899 1.004 1.115 1.239 43 0.435 0.587 0.725 0.852 0.968 1.080 1.196 1.329 44 0.458 0.621 0.774 0.913 1.034 1.153 1.279 1.419 45 0.483 0.660 0.824 0.976 1.105 1.233 1.369 1.520 46 0.508 0.697 0.875 1.042 1.187 1.326 1.474 1.643 47 0.534 0.741 0.934 1.117 1.285 1.438 1.601 1.786 48 0.558 0.788 1.002 1.205 1.402 1.579 1.758 1.966 49 0.584 0.839 1.077 1.306 1.534 1.737 1.946 2.177 50 0.608 0.898 1.161 1.416 1.669 1.907 2.146 2.403 51 0.651 0.982 1.282 1.566 1.852 2.128 2.402 2.680 52 0.700 1.076 1.411 1.728 2.040 2.349 2.645 2.952 53 0.752 1.173 1.547 1.891 2.231 2.552 2.872 3.208 54 0.813 1.279 1.689 2.061 2.418 2.749 3.088 3.450 55 0.880 1.398 1.848 2.242 2.615 2.958 3.306 3.695 56 0.961 1.533 2.025 2.447 2.833 3.180 3.549 3.968 57 1.061 1.692 2.232 2.685 3.073 3.441 3.839 4.284 58 1.178 1.884 2.481 2.962 3.370 3.768 4.193 4.663 59 1.317 2.109 2.765 3.286 3.731 4.162 4.614 5.101 60 1.477 2.358 3.081 3.647 4.148 4.612 5.088 5.592 61 1.660 2.625 3.417 4.045 4.601 5.096 5.599 6.131 62 1.867 2.903 3.764 4.472 5.064 5.599 6.138 6.715 63 2.098 3.224 4.154 4.918 5.533 6.101 6.680 7.307 64 2.360 3.605 4.596 5.382 6.020 6.620 7.233 7.914 65 2.653 4.009 5.062 5.861 6.538 7.173 7.832 8.593 66 2.972 4.407 5.518 6.352 7.089 7.788 8.528 9.435 67 3.324 4.769 5.924 6.846 7.686 8.495 9.391 10.464 68 3.708 5.102 6.290 7.337 8.333 9.342 10.446 11.736 69 4.127 5.433 6.648 7.833 9.051 10.318 11.696 13.279 70 4.575 5.749 6.995 8.342 9.817 11.399 13.140 15.062 71 5.020 6.303 7.669 9.137 10.741 12.475 14.376 16.427 72 5.504 6.906 8.395 9.994 11.752 13.645 15.683 17.916 73 6.019 7.547 9.166 10.914 12.829 14.864 17.077 19.505 74 6.469 8.102 9.841 11.714 13.749 15.927 18.294 20.884 75 6.817 8.539 10.371 12.331 14.469 16.755 19.237 21.956 76 7.100 8.891 10.792 12.830 15.048 17.419 19.995 22.818 77 7.383 9.244 11.219 13.333 15.630 18.089 20.761 23.685 78 7.832 9.806 11.897 14.132 16.563 19.166 21.991 25.083 79 8.505 10.645 12.908 15.329 17.965 20.782 23._39 27.188 80 9.192 11.498 13.940 16.553 19.393 22.42_ 25.727 29.337 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------ ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.415 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.414 0.398 22 8 0.371 0.436 0.488 0.527 0.538 0.412 0.397 0.383 23 9 0.438 0.491 0.530 0.541 0.410 0.395 0.382 0.371 24 10 0.493 0.532 0.543 0.409 0.394 0.380 0.370 0.357 25 11 0.535 0.546 0.407 0.392 0.379 0.369 0.356 0.347 26 12 0.549 0.405 0.390 0.378 0.368 0.355 0.346 0.329 27 13 0.407 0.389 0.376 0.367 0.355 0.345 0.329 0.334 28 14 0.391 0.375 0.366 0.354 0.345 0.328 0.334 0.335 29 15 0.377 0.361 0.353 0.344 0.328 0.334 0.335 0.337 30 16 0.364 0.352 0.340 0.328 0.334 0.335 0.337 0.339 31 17 0.354 0.342 0.329 0.335 0.337 0.339 0.340 0.333 32 18 0.342 0.332 0.319 0.327 0.333 0.337 0.335 0.326 33 19 0.322 0.316 0.306 0.318 0.326 0.333 0.330 0.326 34 20 0.304 0.304 0.296 0.310 0.318 0.326 0.330 0.330 35 21 0.310 0.314 0.312 0.321 0.328 0.336 0.346 0.348 36 22 0.306 0.313 0.317 0.323 0.335 0.349 0.364 0.372 37 23 0.308 0.319 0.325 0.332 0.349 0.367 0.380 0.406 38 24 0.317 0.330 0.344 0.352 0.375 0.398 0.425 6.455 39 25 0.332 0.348 0.367 0.384 0.412 0.449 0.479 0.513 40 26 0.343 0.364 0.387 0.413 0.450 0.493 0.530 0.564 41 27 0.371 0.396 0.421 0.458 0.500 0.547 0.587 0.620 42 28 0.401 0.431 0.464 0.503 0.549 0.600 0.644 0.689 43 29 0.437 0.481 0.517 0.557 0.604 0.657 0.711 0.766 44 30 0.489 0.537 0.576 0.618 0.667 0.727 0.786 0.855 45 31 0.537 0.589 0.632 0.679 0.736 0.803 0.871 0.954 46 32 0.577 0.634 0.680 0.737 0.800 0.874 0.955 1.051 47 33 0.615 0.678 0.737 0.802 0.881 0.975 1.073 1.177 48 34 0.656 0.724 0.794 0.873 0.974 1.088 1.195 1.327 49 35 0.714 0.786 0.865 0.959 1.074 1.195 1.316 1.467 50 36 0.775 0.855 0.946 1.052 1.175 1.312 1.448 1.609 51 37 0.846 0.936 1.037 1.146 1.280 1.433 1.588 1.749 52 38 0.945 1.047 1.146 1.262 1.402 1.568 1.746 1.920 53 39 1.057 1.162 1.270 1.395 1.552 1.742 1.963 2.157 54 40 1.150 1.268 1.380 1.514 1.685 1.904 2.158 2.399 55 41 1.248 1.377 1.505 1.660 1.862 2.115 2.422 2.740 56 42 1.376 1.523 1.674 1.861 2.088 2.378 2.730 3.127 57 43 1.474 1.650 1.837 2.060 2.331 2.661 3.066 3.520 58 44 1.575 1.786 2.014 2.286 2.604 2.985 3.414 3.944 59 45 1.691 1.936 2.214 2.535 2.910 3.322 3.807 4.390 60 46 1.831 2.105 2.429 2.806 3.225 3.695 4.241 4.869 61 47 2.014 2.301 2.659 3.060 3.525 4.046 4.631 5.290 62 48 2.228 2.524 2.891 3.328 3.840 4.408 5.055 5.769 63 49 2.460 2.756 3.143 3.609 4.161 4.792 5.510 6.304 64 50 2.685 2.999 3.416 3.926 4.549 5.274 6.111 7.038 65 51 2.979 3.322 3.767 4.328 5.018 5.839 6.789 7.840 66 52 3.277 3.650 4.140 4.759 5.528 6.449 7.514 8.689 67 53 3.568 3.980 4.530 5.223 6.077 7.091 8.275 9.593 68 54 3.858 4.321 4.941 5.723 6.662 7.770 9.076 10.506 69 55 4.161 4.682 5.385 6.259 7.293 8.505 9.946 11.468 70 56 4.478 5.070 5.863 6.837 7.977 9.311 10.895 12.613 71 57 4.821 5.496 6.381 7.466 8.730 10.199 11.947 13.904 72 58 5.210 5.963 6.944 8.144 9.544 11.177 13.117 15.392 73 59 5.672 6.483 7.555 8.865 10.423 12.252 14.506 17.039 74 60 6.202 7.060 8.218 9.647 11.375 13.510 16.038 18.854 75 61 6.790 7.692 8.980 10.585 12.638 15.127 18.041 21.368 76 62 7.425 8.391 9.821 11.687 14.044 16.901 20.279 24.182 77 63 8.083 9.128 10.818 12.990 15.751 19.149 23.163 27.743 78 64 8.776 9.960 11.859 14.306 17.460 21.334 25.748 31.048 79 65 9.602 10.911 13.080 15.918 19.570 23.944 29.088 35.265 80 66 10.587 12.031 14.469 17.647 21.616 26.488 32.242 38.987 81 67 11.789 13.405 16.192 19.707 24.188 29.702 36.275 43.918 82 68 13.289 15.088 18.121 21.968 26.842 32.841 40.087 48.444 83 69 15.084 17.022 20.459 24.735 30.107 36.754 44.922 54.595 84 70 17.099 19.245 23.133 27.850 33.743 41.063 50.207 61.506 85 71 18.646 20.981 25.392 30.761 37.482 45.837 56.298 69.261 86 72 20.332 22.864 27.965 34.200 42.009 51.748 63.977 79.169 87 73 22.123 24.872 30.749 37.939 46.967 58.248 72.454 90.785 88 74 23.681 26.623 33.134 41.118 51.161 63.728 80.088 100.725 89 75 24.895 27.976 35.058 43.759 54.706 68.845 86.868 109.657 90 76 25.862 29.058 36.411 45.441 57.123 71.909 90.777 114.627 91 77 26.840 30.153 37.779 47.383 59.583 75.043 94.762 119.718 92 78 28.420 31.925 40.179 50.407 63.418 79.897 100.943 126.562 93 79 30.803 34.739 43.733 54.894 69.084 87.079 109.239 136.951 94 80 33.352 37.626 47.391 59.504 74.923 93.819 117.683 ___.537 95
PREFERRED SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.593 15 0.317 0.382 0.442 0.492 0.527 0.548 0.596 0.580 16 0.384 0.444 0.475 0.506 0.527 0.589 0.582 0.569 17 0.451 0.482 0.498 0.514 0.585 0.578 0.569 0.560 18 0.460 0.486 0.502 0.566 0.580 0.560 0.550 0.546 19 0.449 0.480 0.542 0.549 0.551 0.530 0.525 0.520 20 0.426 0.505 0.524 0.526 0.521 0.494 0.500 0.495 21 0.447 0.499 0.522 0.520 0.512 0.486 0.502 0.512 22 0.434 0.489 0.518 0.516 0.508 0.495 0.505 0.515 23 0.432 0.482 0.519 0.517 0.516 0.508 0.520 0.537 24 0.421 0.474 0.512 0.525 0.530 0.529 0.542 0.566 25 0.416 0.464 0.512 0.532 0.552 0.559 0.578 0.608 26 0.404 0.453 0.502 0.530 0.565 0.584 0.608 0.639 27 0.414 0.457 0.508 0.551 0.594 0.626 0.659 0.693 28 0.432 0.476 0.528 0.579 0.627 0.668 0.705 0.755 29 0.459 0.505 0.556 0.613 0.671 0.716 0.769 0.830 30 0.495 0.548 0.606 0.659 0.721 0.784 0.841 0.919 31 0.523 0.589 0.643 0.707 0.772 0.845 0.918 1.010 32 0.541 0.610 0.675 0.740 0.814 0.895 0.994 1.101 33 0.542 0.621 0.695 0.777 0.866 0.963 1.076 1.192 34 0.535 0.629 0.719 0.816 0.926 1.038 1.159 1.288 35 0.542 0.654 0.761 0.885 1.005 1.133 1.263 1.405 36 0.549 0.685 0.817 0.958 1.100 1.238 1.387 1.544 37 0.575 0.729 0.885 1.048 1.206 1.356 1.519 1.697 38 0.626 0.807 0.995 1.176 1.350 1.516 1.698 1.897 39 0.691 0.912 1.119 1.317 1.506 1.698 1.895 2.105 40 0.756 1.006 1.232 1.454 1.652 1.850 2.060 2.292 41 0.819 1.094 1.357 1.594 1.804 2.009 2.228 2.469 42 0.896 1.212 1.501 1.761 1.989 2.213 2.448 2.709 43 0.955 1.299 1.612 1.886 2.134 2.371 2.616 2.894 44 1.013 1.381 1.713 2.013 2.269 2.522 2.785 3.066 45 1.072 1.460 1.817 2.143 2.416 2.686 2.957 3.242 46 1.125 1.537 1.921 2.279 2.585 2.864 3.145 3.460 47 1.177 1.626 2.042 2.433 2.776 3.069 3.372 3.715 48 1.225 1.723 2.181 2.602 2.992 3.327 3.656 4.020 49 1.276 1.827 2.326 2.787 3.231 3.612 3.978 4.374 50 1.325 1.939 2.477 2.983 3.471 3.899 4.312 4.743 51 1.407 2.096 2.701 3.257 3.786 4.276 4.740 5.194 52 1.492 2.267 2.934 3.532 4.098 4.635 5.126 5.590 53 1.585 2.440 3.163 3.799 4.403 4.945 5.438 5.931 54 1.691 2.615 3.393 4.068 4.685 5.205 5.709 6.255 55 1.799 2.808 3.648 4.345 4.952 5.468 5.995 6.568 56 1.931 3.025 3.924 4.634 5.237 5.745 6.310 6.912 57 2.093 3.278 4.226 4.965 5.573 6.118 6.687 7.311 58 2.282 3.567 4.587 5.372 5.991 6.565 7.155 7.792 59 2.495 3.899 5.014 5.841 6.499 7.104 7.712 8.342 60 2.731 4.275 5.477 6.355 7.080 7.707 8.322 8.946 61 3.010 4.667 5.954 6.904 7.689 8.334 8.958 9.592 62 3.319 5.057 6.424 7.473 8.282 8.958 9.602 10.267 63 3.656 5.503 6.942 8.043 8.852 9.545 10.213 10.911 64 4.028 6.024 7.516 8.611 9.418 10.120 10.800 11.536 65 4.434 6.556 8.099 9.169 9.996 10.712 11.418 12.221 66 4.860 7.051 8.632 9.711 10.586 11.353 12.129 13.082 67 5.319 7.461 9.056 10.222 11.205 12.081 13.021 14.137 68 5.801 7.801 9.392 10.696 11.851 12.954 14.114 15.545 69 6.310 8.113 9.692 11.140 12.550 13.940 15.492 17.232 70 6.833 8.381 9.949 11.567 13.264 15.099 17.052 19.146 71 7.318 8.964 10.634 12.345 14.226 16.190 18.274 20.443 72 7.827 9.576 11.343 13.237 15.250 17.345 19.517 21.818 73 8.346 10.196 12.141 14.163 16.307 18.498 20.796 23.233 74 8.740 10.732 12.771 14.890 17.110 19.395 21.790 24.317 75 9.029 11.081 13.183 15.346 17.619 19.957 22.399 24.982 76 9.214 11.302 13.430 15.624 17.924 20.283 22.751 25.354 77 9.385 11.504 13.662 15.881 18.200 20.582 23.069 25.685 78 9.747 11.941 14.170 16.455 18.846 21.29_ 23.848 26.532 79 10.357 12.679 15.030 17.442 19.962 22.53_ 25.217 28.034 80 10.949 1_._88 15.861 18.393 21.030 23.___ 26.527 29.468 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------ ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.641 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.632 0.626 22 8 0.371 0.436 0.488 0.527 0.538 0.623 0.618 0.613 23 9 0.438 0.491 0.530 0.541 0.615 0.609 0.605 0.605 24 10 0.493 0.532 0.543 0.605 0.601 0.597 0.598 0.592 25 11 0.535 0.546 0.596 0.592 0.588 0.590 0.585 0.585 26 12 0.549 0.587 0.583 0.580 0.582 0.578 0.578 0.568 27 13 0.590 0.574 0.572 0.574 0.570 0.571 0.562 0.592 28 14 0.577 0.563 0.566 0.563 0.564 0.555 0.586 0.612 29 15 0.566 0.553 0.555 0.557 0.549 0.580 0.606 0.638 30 16 0.556 0.547 0.544 0.542 0.574 0.600 0.633 0.664 31 17 0.551 0.541 0.539 0.570 0.597 0.629 0.660 6.672 32 18 0.541 0.537 0.537 0.574 0.611 0.647 0.670 0.674 33 19 0.521 0.526 0.531 0.579 0.620 0.659 0.674 0.685 34 20 0.506 0.521 0.532 0.583 0.622 0.660 0.687 0.703 35 21 0.532 0.559 0.581 0.622 0.658 0.693 0.730 0.751 36 22 0.543 0.576 0.607 0.640 0.683 0.729 0.778 0.813 37 23 0.566 0.604 0.637 0.670 0.722 0.778 0.823 0.900 38 24 0.600 0.639 0.687 0.720 0.786 0.853 0.933 1.022 39 25 0.643 0.686 0.742 0.796 0.874 0.975 1.064 1.167 40 26 0.677 0.729 0.794 0.867 0.968 1.084 1.193 1.298 41 27 0.741 0.803 0.875 0.974 1.089 1.219 1.338 1.439 42 28 0.813 0.884 0.975 1.085 1.210 1.354 1.479 1.612 43 29 0.898 1.000 1.102 1.215 1.350 1.495 1.646 1.806 44 30 1.017 1.131 1.243 1.366 1.501 1.667 1.835 2.024 45 31 1.132 1.256 1.380 1.512 1.669 1.856 2.042 2.251 46 32 1.231 1.369 1.499 1.655 1.830 2.030 2.231 2.470 47 33 1.329 1.477 1.636 1.815 2.023 2.253 2.496 2.755 48 34 1.429 1.591 1.778 1.985 2.228 2.505 2.770 3.092 49 35 1.568 1.739 1.945 2.171 2.447 2.741 3.036 3.405 50 36 1.715 1.899 2.119 2.371 2.667 2.996 3.327 3.703 51 37 1.881 2.072 2.312 2.574 2.894 3.259 3.620 3.978 52 38 2.092 2.307 2.545 2.822 3.156 3.539 3.931 4.310 53 39 2.331 2.552 2.809 3.108 3.465 3.882 4.363 4.783 54 40 2.525 2.773 3.040 3.344 3.716 4.189 4.737 5.227 55 41 2.729 2.999 3.288 3.623 4.055 4.596 5.226 5.867 56 42 2.997 3.291 3.611 4.009 4.490 5.079 5.788 6.577 57 43 3.185 3.520 3.913 4.382 4.926 5.586 6.386 7.270 58 44 3.360 3.763 4.237 4.780 5.409 6.153 6.983 7.960 59 45 3.563 4.026 4.578 5.209 5.937 6.725 7.606 8.651 60 46 3.809 4.304 4.936 5.664 6.460 7.310 8.274 9.411 61 47 4.118 4.623 5.308 6.064 6.901 7.814 8.861 10.023 62 48 4.476 4.981 5.667 6.444 7.339 8.349 9.483 10.713 63 49 4.855 5.340 6.019 6.825 7.799 8.900 10.130 11.466 64 50 5.202 5.678 6.388 7.280 8.361 9.599 11.006 12.536 65 51 5.640 6.141 6.908 7.869 9.037 10.410 11.973 13.666 66 52 6.058 6.618 7.444 8.479 9.754 11.258 12.968 14.817 67 53 6.470 7.076 7.983 9.116 10.499 12.114 13.972 15.995 68 54 6.859 7.529 8.529 9.782 11.264 12.987 14.984 17.118 69 55 7.249 7.990 9.102 10.470 12.062 13.900 16.047 18.253 70 56 7.643 8.474 9.698 11.188 12.902 14.870 17.169 19.598 71 57 8.056 8.988 10.327 11.945 13.798 15.909 18.379 21.075 72 58 8.521 9.541 10.988 12.733 14.734 17.022 19.687 22.747 73 59 9.075 10.142 11.683 13.539 15.708 18.202 21.228 24.536 74 60 9.702 10.793 12.413 14.384 16.725 19.571 22.867 26.615 75 61 10.380 11.486 13.240 15.395 18.117 21.350 25.217 29.555 76 62 11.088 12.232 14.128 16.575 19.616 23.385 27.772 32.762 77 63 11.783 12.982 15.173 17.950 21.567 25.959 31.072 36.797 78 64 12.481 13.811 16.207 19.380 23.424 28.329 33.815 40.296 79 65 13.314 14.742 17.523 21.126 25.717 31.127 37.382 44.767 80 66 14.303 15.935 18.992 22.942 27.809 33.696 40.528 48.383 81 67 15.615 17.396 20.819 25.082 30.451 36.957 44.574 53.258 82 68 17.246 19.180 22.809 27.360 33.052 39.946 48.134 57.370 83 69 19.174 21.184 25.199 30.130 36.241 43.687 52.676 63.100 84 70 21.279 23.436 27.870 33.165 39.691 47.664 57.457 69.341 85 71 22.706 24.991 29.905 35.796 43.056 51.926 62.845 76.114 86 72 24.217 26.622 32.184 38.865 47.095 57.183 69.616 84.755 87 73 25.759 28.300 34.559 42.077 51.359 62.742 76.803 95.459 88 74 26.944 29.582 36.344 44.483 54.535 66.871 83.384 104.008 89 75 27.662 30.338 37.510 46.145 56.807 70.954 88.817 111.154 90 76 28.046 30.738 37.975 46.681 58.261 72.779 91.112 114.027 91 77 28.391 31.091 38.383 47.809 59.678 74.558 93.340 116.825 92 78 29.304 32.068 40.094 49.947 62.354 77.902 97.535 122.289 93 79 30.940 34.273 42.857 53.395 66.659 83.288 104.514 131.041 94 80 32.905 36.454 45.5_0 56.801 70.917 88.853 111.498 13_.___ 95
NON-SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.591 15 0.317 0.382 0.442 0.492 0.527 0.548 0.594 0.567 16 0.384 0.444 0.475 0.506 0.527 0.587 0.570 0.547 17 0.451 0.482 0.498 0.514 0.583 0.566 0.547 0.529 18 0.460 0.486 0.502 0.564 0.567 0.538 0.520 0.507 19 0.449 0.480 0.540 0.538 0.530 0.501 0.488 0.475 20 0.426 0.504 0.513 0.506 0.492 0.459 0.456 0.442 21 0.445 0.489 0.502 0.492 0.476 0.444 0.449 0.445 22 0.425 0.470 0.490 0.480 0.464 0.442 0.439 0.434 23 0.415 0.456 0.482 0.472 0.461 0.442 0.437 0.436 24 0.398 0.440 0.467 0.468 0.461 0.446 0.440 0.444 25 0.387 0.423 0.457 0.462 0.465 0.454 0.454 0.464 26 0.369 0.404 0.436 0.446 0.459 0.459 0.464 0.476 27 0.369 0.397 0.427 0.448 0.466 0.478 0.491 0.507 28 0.375 0.401 0.429 0.454 0.478 0.498 0.516 0.545 29 0.387 0.410 0.437 0.468 0.500 0.524 0.556 0.592 30 0.402 0.430 0.462 0.491 0.528 0.566 0.599 0.646 31 0.411 0.449 0.480 0.518 0.558 0.602 0.646 0.702 32 0.413 0.455 0.494 0.535 0.580 0.630 0.690 0.755 33 0.404 0.455 0.502 0.553 0.609 0.669 0.738 0.807 34 0.391 0.454 0.512 0.574 0.643 0.712 0.785 0.861 35 0.391 0.466 0.535 0.614 0.689 0.767 0.845 0.932 36 0.391 0.482 0.568 0.657 0.745 0.828 0.920 1.015 37 0.405 0.507 0.607 0.710 0.806 0.899 0.999 1.107 38 0.435 0.553 0.674 0.787 0.895 0.997 1.108 1.233 39 0.474 0.617 0.748 0.873 0.991 1.108 1.232 1.374 40 0.512 0.672 0.817 0.957 1.078 1.202 1.345 1.502 41 0.548 0.726 0.893 1.040 1.172 1.311 1.460 1.624 42 0.594 0.797 0.979 1.144 1.298 1.450 1.610 1.789 43 0.628 0.848 1.048 1.231 1.399 1.560 1.728 1.920 44 0.661 0.897 1.118 1.319 1.493 1.666 1.847 2.050 45 0.697 0.953 1.191 1.410 1.596 1.781 1.977 2.195 46 0.734 1.007 1.264 1.505 1.715 1.915 2.129 2.373 47 0.771 1.070 1.349 1.613 1.856 2.078 2.312 2.580 48 0.806 1.138 1.447 1.740 2.026 2.281 2.539 2.840 49 0.843 1.212 1.556 1.887 2.215 2.508 2.811 3.145 50 0.879 1.296 1.677 2.045 2.410 2.754 3.100 3.472 51 0.941 1.419 1.852 2.262 2.675 3.074 3.469 3.871 52 1.010 1.554 2.037 2.496 2.947 3.393 3.821 4.264 53 1.087 1.694 2.235 2.731 3.223 3.686 4.148 4.633 54 1.174 1.848 2.440 2.977 3.492 3.971 4.461 4.983 55 1.271 2.019 2.670 3.238 3.778 4.272 4.776 5.337 56 1.389 2.214 2.925 3.535 4.092 4.593 5.127 5.731 57 1.532 2.444 3.224 3.879 4.439 4.971 5.545 6.188 58 1.701 2.721 3.584 4.279 4.868 5.443 6.056 6.735 59 1.903 3.046 3.994 4.746 5.389 6.012 6.665 7.367 60 2.134 3.405 4.450 5.269 5.992 6.661 7.350 8.077 61 2.398 3.792 4.936 5.843 6.646 7.360 8.088 8.857 62 2.697 4.193 5.437 6.459 7.315 8.087 8.866 9.700 63 3.031 4.657 6.000 7.103 7.992 8.813 9.650 10.554 64 3.409 5.207 6.638 7.774 8.695 9.562 10.447 11.431 65 3.832 5.790 7.312 8.466 9.444 10.361 11.313 12.413 66 4.292 6.366 7.970 9.175 10.240 11.249 12.319 13.628 67 4.802 6.888 8.556 9.888 11.102 12.271 13.564 15.114 68 5.356 7.370 9.085 10.598 12.036 13.494 15.089 16.953 69 5.962 7.847 9.603 11.315 13.074 14.903 16.894 19.180 70 6.609 8.304 10.104 12.049 14.181 16.466 18.980 21.757 71 7.251 9.104 11.077 13.198 15.514 18.020 20.766 23.728 72 7.950 9.975 12.127 14.436 16.975 19.710 22.653 25.879 73 8.694 10.901 13.240 15.764 18.531 21.470 24.667 28.175 74 9.344 11.704 14.215 16.920 19.859 23.006 26.425 30.166 75 9.847 12.334 14.980 17.812 20.899 24.202 27.787 31.715 76 10.256 12.843 15.588 18.532 21.737 25.161 28.882 32.959 77 10.664 13.352 16.205 19.259 22.577 26.129 29.989 34.212 78 11.314 14.164 17.184 20.412 23.924 27.685 31.764 36.230 79 12.285 15.376 18.645 22.142 25.949 30.018 34.435 39.272 80 13.278 16.608 20.136 23.910 28.012 32.398 37.161 42.376 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------- ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.502 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.516 0.482 22 8 0.371 0.436 0.488 0.527 0.538 0.530 0.495 0.463 23 9 0.438 0.491 0.530 0.541 0.543 0.508 0.476 0.450 24 10 0.493 0.532 0.543 0.557 0.521 0.489 0.462 0.432 25 11 0.535 0.546 0.571 0.535 0.502 0.475 0.445 0.420 26 12 0.549 0.585 0.548 0.515 0.488 0.457 0.432 0.399 27 13 0.588 0.562 0.528 0.501 0.470 0.444 0.410 0.404 28 14 0.564 0.541 0.514 0.482 0.457 0.422 0.417 0.405 29 15 0.544 0.522 0.495 0.469 0.434 0.429 0.418 0.408 30 16 0.525 0.508 0.477 0.447 0.442 0.431 0.421 0.410 31 17 0.512 0.494 0.462 0.457 0.446 0.436 0.424 0.403 32 18 0.494 0.479 0.448 0.446 0.440 0.433 0.418 0.395 33 19 0.465 0.457 0.430 0.434 0.432 0.428 0.411 0.394 34 20 0.439 0.439 0.415 0.423 0.421 0.419 0.412 0.399 35 21 0.448 0.454 0.438 0.438 0.435 0.432 0.432 0.421 36 22 0.441 0.452 0.445 0.440 0.443 0.449 0.454 0.450 37 23 0.444 0.461 0.456 0.452 0.463 0.472 0.474 0.491 38 24 0.458 0.476 0.483 0.480 0.497 0.511 0.530 0.551 39 25 0.479 0.502 0.515 0.524 0.545 0.577 0.597 0.621 40 26 0.496 0.526 0.544 0.563 0.596 0.633 0.661 0.683 41 27 0.535 0.572 0.591 0.624 0.662 0.703 0.733 0.751 42 28 0.580 0.622 0.651 0.686 0.726 0.772 0.803 0.834 43 29 0.632 0.695 0.726 0.759 0.801 0.845 0.887 0.927 44 30 0.706 0.776 0.809 0.843 0.883 0.934 0.980 1.034 45 31 0.776 0.851 0.887 0.925 0.974 1.032 1.087 1.155 46 32 0.834 0.916 0.955 1.005 1.059 1.124 1.192 1.272 47 33 0.889 0.980 1.034 1.094 1.166 1.253 1.339 1.425 48 34 0.948 1.046 1.115 1.191 1.290 1.399 1.492 1.606 49 35 1.031 1.135 1.215 1.308 1.422 1.537 1.642 1.776 50 36 1.119 1.235 1.328 1.434 1.556 1.686 1.806 1.947 51 37 1.222 1.352 1.456 1.563 1.695 1.842 1.982 2.118 52 38 1.365 1.512 1.608 1.721 1.857 2.017 2.179 2.324 53 39 1.527 1.679 1.783 1.903 2.055 2.239 2.449 2.612 54 40 1.661 1.832 1.937 2.064 2.231 2.448 2.693 2.904 55 41 1.803 1.989 2.113 2.264 2.466 2.720 3.022 3.317 56 42 1.988 2.201 2.349 2.537 2.765 3.058 3.407 3.785 57 43 2.130 2.383 2.578 2.809 3.087 3.422 3.826 4.261 58 44 2.275 2.580 2.827 3.117 3.449 3.837 4.261 4.775 59 45 2.443 2.796 3.108 3.457 3.854 4.271 4.750 5.315 60 46 2.645 3.041 3.410 3.827 4.270 4.751 5.291 5.895 61 47 2.909 3.324 3.733 4.172 4.669 5.202 5.778 6.404 62 48 3.218 3.646 4.058 4.538 5.085 5.667 6.307 6.984 63 49 3.554 3.980 4.412 4.922 5.510 6.161 6.875 7.631 64 50 3.878 4.332 4.795 5.353 6.024 6.781 7.626 8.520 65 51 4.303 4.798 5.287 5.902 6.645 7.507 8.471 9.491 66 52 4.733 5.272 5.811 6.489 7.321 8.292 9.375 10.518 67 53 5.154 5.749 6.359 7.122 8.048 9.117 10.325 11.613 68 54 5.573 6.242 6.936 7.804 8.823 9.990 11.325 12.718 69 55 6.010 6.762 7.558 8.536 9.658 10.935 12.411 13.883 70 56 6.469 7.324 8.229 9.323 10.565 11.971 13.595 15.269 71 57 6.963 7.938 8.957 10.180 11.562 13.112 14.907 16.831 72 58 7.526 8.613 9.747 11.105 12.640 14.371 16.367 18.632 73 59 8.193 9.364 10.605 12.089 13.803 15.752 18.101 20.626 74 60 8.958 10.197 11.535 13.155 15.065 17.371 20.012 22.823 75 61 9.807 11.110 12.604 14.434 16.737 19.449 22.511 25.867 76 62 10.725 12.120 13.786 15.937 18.599 21.730 25.304 29.273 77 63 11.676 13.185 15.185 17.714 20.859 24.620 28.902 33.584 78 64 12.676 14.387 16.647 19.509 23.123 27.429 32.128 37.584 79 65 13.869 15.761 18.360 21.706 25.917 30.785 36.296 42.689 80 66 15.292 17.378 20.310 24.064 28.626 34.056 40.232 47.195 81 67 17.028 19.363 22.729 26.873 32.033 38.188 45.263 53.163 82 68 19.195 21.794 25.436 29.957 35.548 42.224 50.020 58.642 83 69 21.788 24.588 28.717 33.729 39.871 47.255 56.053 66.089 84 70 24.699 27.798 32.472 37.977 44.687 52.795 62.647 74.455 85 71 26.933 30.306 35.642 41.947 49.639 58.933 70.248 83.842 86 72 29.368 33.025 39.254 46.637 55.634 66.533 79.830 95.836 87 73 31.955 35.926 43.162 51.735 62.199 74.891 90.407 109.898 88 74 34.206 38.455 46.509 56.070 67.754 81.936 99.933 121.931 89 75 35.959 40.409 49.210 59.671 72.449 88.515 108.392 132.742 90 76 37.357 41.973 51.109 61.964 75.650 92.454 113.271 138.758 91 77 38.768 43.555 53.029 64.613 78.907 96.483 118.243 144.922 92 78 41.051 46.115 56.397 68.737 83.986 102.725 125.955 153.207 93 79 44.493 50.179 61.386 74.856 91.490 111.958 136.308 165.782 94 80 48.175 54.349 66.521 81.142 99.222 120.624 146.844 178.597 95
SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.919 15 0.317 0.382 0.442 0.492 0.527 0.548 0.924 0.898 16 0.384 0.444 0.475 0.506 0.527 0.912 0.903 0.882 17 0.451 0.482 0.498 0.514 0.907 0.896 0.882 0.869 18 0.460 0.486 0.502 0.877 0.898 0.867 0.853 0.846 19 0.449 0.480 0.839 0.852 0.854 0.822 0.814 0.806 20 0.426 0.783 0.813 0.815 0.808 0.766 0.775 0.768 21 0.692 0.774 0.809 0.807 0.794 0.754 0.779 0.793 22 0.672 0.757 0.803 0.800 0.787 0.766 0.782 0.798 23 0.669 0.747 0.805 0.802 0.800 0.788 0.805 0.833 24 0.653 0.734 0.794 0.813 0.822 0.820 0.840 0.877 25 0.646 0.719 0.793 0.824 0.856 0.866 0.895 0.942 26 0.627 0.702 0.777 0.821 0.875 0.906 0.943 0.990 27 0.641 0.708 0.787 0.855 0.920 0.970 1.021 1.074 28 0.670 0.738 0.819 0.897 0.972 1.036 1.092 1.171 29 0.712 0.782 0.862 0.950 1.040 1.111 1.193 1.287 30 0.767 0.849 0.939 1.021 1.118 1.215 1.303 1.424 31 0.811 0.913 0.997 1.096 1.196 1.310 1.423 1.566 32 0.839 0.946 1.046 1.147 1.262 1.388 1.540 1.707 33 0.840 0.963 1.077 1.204 1.342 1.493 1.668 1.848 34 0.828 0.975 1.114 1.265 1.435 1.609 1.796 1.997 35 0.839 1.014 1.179 1.371 1.557 1.756 1.958 2.178 36 0.850 1.062 1.267 1.485 1.706 1.919 2.150 2.393 37 0.892 1.131 1.372 1.625 1.869 2.102 2.354 2.630 38 0.971 1.251 1.542 1.823 2.092 2.350 2.631 2.940 39 1.071 1.413 1.734 2.041 2.335 2.631 2.937 3.263 40 1.172 1.559 1.910 2.254 2.561 2.867 3.193 3.552 41 1.269 1.696 2.103 2.470 2.796 3.113 3.453 3.827 42 1.388 1.879 2.326 2.729 3.083 3.430 3.794 4.198 43 1.481 2.013 2.499 2.923 3.308 3.675 4.055 4.486 44 1.570 2.140 2.656 3.120 3.518 3.909 4.316 4.752 45 1.662 2.263 2.817 3.322 3.744 4.163 4.584 5.025 46 1.744 2.382 2.977 3.532 4.007 4.440 4.875 5.364 47 1.824 2.521 3.165 3.770 4.303 4.757 5.227 5.758 48 1.899 2.670 3.381 4.033 4.637 5.157 5.667 6.231 49 1.978 2.832 3.606 4.319 5.008 5.599 6.166 6.780 50 2.054 3.005 3.839 4.624 5.380 6.043 6.683 7.352 51 2.180 3.249 4.187 5.048 5.868 6.627 7.347 8.050 52 2.313 3.514 4.548 5.475 6.352 7.185 7.946 8.664 53 2.457 3.782 4.902 5.888 6.824 7.664 8.428 9.192 54 2.620 4.053 5.260 6.305 7.262 8.068 8.849 9.696 55 2.789 4.353 5.654 6.734 7.676 8.475 9.293 10.181 56 2.994 4.689 6.082 7.183 8.118 8.936 9.781 10.714 57 3.244 5.082 6.551 7.695 8.638 9.483 10.365 11.332 58 3.537 5.529 7.110 8.326 9.286 10.176 11.090 12.078 59 3.867 6.044 7.772 9.054 10.074 11.011 11.953 12.930 60 4.233 6.626 8.490 9.850 10.973 11.945 12.899 13.867 61 4.666 7.234 9.228 10.701 11.918 12.917 13.885 14.868 62 5.144 7.838 9.957 11.583 12.837 13.884 14.884 15.913 63 5.666 8.529 10.760 12.466 13.721 14.795 15.830 16.912 64 6.243 9.338 11.649 13.347 14.597 15.686 16.741 17.881 65 6.872 10.162 12.554 14.212 15.493 16.603 17.697 18.943 66 7.533 10.930 13.380 15.052 16.409 17.597 18.800 20.278 67 8.244 11.564 14.037 15.845 17.368 18.726 20.183 21.913 68 8.991 12.091 14.558 16.579 18.369 20.079 21.877 24.095 69 9.780 12.575 15.022 17.267 19.453 21.607 24.012 26.710 70 10.590 12.990 15.420 17.929 20.560 23.403 26.431 29.677 71 11.343 13.894 16.483 19.134 22.050 25.094 28.325 31.687 72 12.132 14.842 17.581 20.517 23.638 26.885 30.251 33.817 73 12.936 15.804 18.819 21.952 25.277 28.671 32.234 36.011 74 13.548 16.634 19.796 23.080 26.520 30.063 33.775 37.692 75 13.995 17.176 20.433 23.786 27.310 30.933 34.719 38.723 76 14.282 17.518 20.817 24.217 27.782 31.438 35.263 39.299 77 14.546 17.830 21.176 24.615 28.210 31.902 35.757 39.812 78 15.108 18.509 21.964 25.505 29.211 33.010 36.964 41.125 79 16.054 19.652 23.296 27.035 30.941 34.932 39.087 43.453 80 __.___ __.___ __.___ 28.509 32.597 36.775 __.___ 45.676 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------- ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.798 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.816 0.780 22 8 0.371 0.436 0.488 0.527 0.538 0.834 0.797 0.763 23 9 0.438 0.491 0.530 0.541 0.853 0.816 0.781 0.753 24 10 0.493 0.532 0.543 0.872 0.834 0.799 0.771 0.737 25 11 0.535 0.546 0.891 0.852 0.817 0.789 0.755 0.727 26 12 0.549 0.910 0.871 0.835 0.808 0.773 0.746 0.707 27 13 0.915 0.889 0.854 0.827 0.792 0.764 0.725 0.737 28 14 0.894 0.873 0.845 0.810 0.783 0.743 0.756 0.761 29 15 0.878 0.857 0.829 0.802 0.762 0.776 0.782 0.794 30 16 0.862 0.848 0.813 0.780 0.796 0.804 0.817 0.826 31 17 0.854 0.839 0.805 0.821 0.829 0.842 0.852 0.836 32 18 0.838 0.832 0.802 0.826 0.848 0.866 0.865 0.839 33 19 0.808 0.815 0.794 0.833 0.861 0.881 0.870 0.852 34 20 0.784 0.808 0.794 0.840 0.863 0.883 0.887 0.875 35 21 0.825 0.866 0.867 0.896 0.913 0.927 0.942 0.934 36 22 0.842 0.893 0.907 0.921 0.948 0.976 1.004 1.012 37 23 0.877 0.936 0.952 0.964 1.003 1.041 1.062 1.120 38 24 0.930 0.990 1.026 1.037 1.092 1.141 1.204 1.272 39 25 0.996 1.063 1.109 1.146 1.214 1.306 1.373 1.452 40 26 1.050 1.130 1.186 1.248 1.343 1.451 1.539 1.615 41 27 1.149 1.245 1.307 1.402 1.512 1.631 1.727 1.791 42 28 1.261 1.370 1.457 1.562 1.679 1.813 1.909 2.006 43 29 1.392 1.550 1.646 1.750 1.874 2.001 2.125 2.247 44 30 1.576 1.753 1.857 1.967 2.084 2.231 2.368 2.519 45 31 1.755 1.947 2.062 2.177 2.318 2.484 2.636 2.801 46 32 1.908 2.122 2.239 2.384 2.541 2.717 2.880 3.073 47 33 2.060 2.289 2.444 2.614 2.809 3.016 3.221 3.428 48 34 2.215 2.466 2.656 2.858 3.093 3.353 3.575 3.848 49 35 2.430 2.696 2.906 3.126 3.397 3.669 3.918 4.237 50 36 2.659 2.944 3.165 3.415 3.702 4.010 4.294 4.608 51 37 2.915 3.211 3.454 3.707 4.017 4.362 4.672 4.950 52 38 3.242 3.576 3.801 4.064 4.382 4.737 5.073 5.364 53 39 3.612 3.955 4.196 4.475 4.810 5.195 5.631 5.952 54 40 3.914 4.298 4.541 4.815 5.159 5.607 6.114 6.504 55 41 4.230 4.648 4.913 5.216 5.630 6.152 6.744 7.301 56 42 4.645 5.101 5.395 5.773 6.233 6.798 7.470 8.185 57 43 4.936 5.456 5.846 6.310 6.839 7.476 8.242 9.047 58 44 5.207 5.833 6.330 6.883 7.509 8.236 9.012 9.906 59 45 5.523 6.241 6.839 7.501 8.243 9.001 9.816 10.766 60 46 5.904 6.671 7.374 8.156 8.968 9.784 10.678 11.711 61 47 6.382 7.166 7.929 8.732 9.580 10.459 11.436 12.473 62 48 6.938 7.721 8.466 9.280 10.188 11.175 12.238 13.331 63 49 7.526 8.277 8.992 9.828 10.827 11.912 13.074 14.268 64 50 8.064 8.801 9.543 10.484 11.606 12.848 14.205 15.601 65 51 8.743 9.519 10.320 11.331 12.546 13.933 15.452 17.007 66 52 9.391 10.257 11.120 12.210 13.541 15.069 16.736 18.439 67 53 10.029 10.967 11.925 13.126 14.575 16.215 18.031 19.905 68 54 10.632 11.669 12.742 14.086 15.637 17.383 19.338 21.303 69 55 11.236 12.384 13.597 15.076 16.745 18.604 20.709 22.714 70 56 11.847 13.134 14.488 16.110 17.911 19.903 22.158 24.388 71 57 12.487 13.931 15.427 17.201 19.155 21.294 23.719 26.226 72 58 13.208 14.788 16.415 18.336 20.454 22.796 25.407 28.307 73 59 14.066 15.720 17.453 19.497 21.806 24.363 27.396 30.534 74 60 15.038 16.729 18.543 20.712 23.218 26.195 29.511 33.121 75 61 16.089 17.803 19.780 22.169 25.150 28.576 32.545 36.779 76 62 17.186 18.960 21.105 23.868 27.232 31.300 35.842 40.770 77 63 18.264 20.122 22.667 25.848 29.940 34.745 40.100 45.791 78 64 19.345 21.407 24.211 27.907 32.518 37.917 43.641 50.146 79 65 20.637 22.850 26.178 30.422 35.701 41.662 48.244 55.710 80 66 22.170 24.700 28.372 33.036 38.605 45.101 52.304 60.210 81 67 24.203 26.965 31.101 36.118 42.273 49.465 57.526 66.276 82 68 26.731 29.729 34.074 39.399 45.884 53.466 62.120 71.394 83 69 29.719 32.834 37.645 43.388 50.310 58.473 67.982 78.525 84 70 32.983 36.325 41.634 47.758 55.100 63.796 74.152 86.291 85 71 35.195 38.735 44.674 51.546 59.772 69.501 81.106 94.720 86 72 37.537 41.264 48.079 55.966 65.379 76.537 89.845 105.472 87 73 39.927 43.864 51.627 60.591 71.299 83.978 99.119 118.794 88 74 41.764 45.853 54.293 64.055 75.707 89.504 107.612 129.432 89 75 42.876 47.024 56.035 66.449 78.862 94.969 114.624 138.325 90 76 43.471 47.644 56.729 67.221 80.880 97.412 117.586 141.900 91 77 44.006 48.192 57.340 68.846 82.846 99.793 120.461 145.383 92 78 45.421 49.706 59.896 71.924 86.562 104.269 125.875 152.182 93 79 47.957 53.123 64.022 76.889 92.538 111.478 134.882 16_.073 94 80 51.002 56.504 68.105 81.793 98.449 118.926 143.895 17_.9_8 95
PREFERRED NON-SMOKER - MALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 3.25 0.73 0.46 0.35 0.28 0.25 0.21 0.20 0.18 0.16 0.18 0.21 0.25 0.35 0.47 0.65 15 1 0.78 0.48 0.37 0.30 0.26 0.23 0.21 0.19 0.17 0.17 0.19 0.23 0.32 0.43 0.60 0.78 16 2 0.51 0.39 0.31 0.28 0.24 0.22 0.20 0.18 0.18 0.18 0.22 0.30 0.40 0.56 0.73 0.91 17 3 0.41 0.33 0.29 0.25 0.23 0.21 0.19 0.19 0.19 0.20 0.28 0.38 0.53 0.68 0.85 1.02 18 4 0.35 0.31 0.27 0.24 0.22 0.20 0.19 0.20 0.21 0.27 0.36 0.50 0.64 0.80 0.96 1.10 19 5 0.33 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.35 0.48 0.61 0.76 0.91 1.04 1.12 20 6 0.30 0.27 0.24 0.22 0.21 0.21 0.23 0.29 0.36 0.46 0.59 0.73 0.87 0.99 1.06 0.46 21 7 0.28 0.25 0.23 0.22 0.22 0.24 0.30 0.37 0.48 0.58 0.71 0.84 0.95 1.02 0.47 0.45 22 8 0.26 0.24 0.23 0.23 0.25 0.31 0.39 0.50 0.60 0.70 0.82 0.93 0.99 0.47 0.46 0.44 23 9 0.25 0.24 0.24 0.25 0.32 0.40 0.51 0.62 0.73 0.82 0.92 0.97 0.47 0.46 0.45 0.43 24 10 0.25 0.25 0.23 0.33 0.41 0.53 0.64 0.75 0.84 0.92 0.9_ 0.48 0.46 0.45 0.45 0.43 25 11 0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 0.48 0.47 0.45 0.45 0.44 0.42 26 12 0.27 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 0.49 0.47 0.46 0.45 0.44 0.44 0.41 27 13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 0.50 0.47 0.46 0.45 0.44 0.43 0.42 0.42 28 14 0.43 0.56 0.67 0.79 0.88 0.96 0.98 0.51 0.49 0.47 0.46 0.44 0.44 0.42 0.44 0.43 29 15 0.55 0.67 0.78 0.87 0.94 0.98 0.53 0.50 0.48 0.46 0.45 0.44 0.42 0.43 0.44 0.44 30 16 0.65 0.75 0.81 0.86 0.90 0.52 0.51 0.49 0.47 0.45 0.44 0.43 0.44 0.44 0.45 0.45 31 17 0.71 0.77 0.80 0.83 0.52 0.51 0.49 0.48 0.46 0.44 0.43 0.44 0.45 0.45 0.47 0.45 32 18 0.68 0.73 0.76 0.50 0.51 0.48 0.47 0.46 0.45 0.44 0.42 0.44 0.45 0.46 0.46 0.44 33 19 0.63 0.68 0.47 0.48 0.47 0.45 0.44 0.43 0.43 0.42 0.41 0.43 0.44 0.46 0.46 0.44 34 20 0.56 0.44 0.45 0.45 0.44 0.41 0.42 0.41 0.41 0.41 0.40 0.42 0.44 0.45 0.46 0.45 35 21 0.37 0.41 0.43 0.42 0.41 0.38 0.39 0.39 0.39 0.39 0.40 0.42 0.43 0.45 0.47 0.46 36 22 0.34 0.38 0.40 0.39 0.38 0.37 0.36 0.36 0.37 0.38 0.39 0.40 0.42 0.45 0.47 0.47 37 23 0.32 0.36 0.38 0.37 0.37 0.35 0.35 0.35 0.36 0.37 0.38 0.40 0.43 0.45 0.48 0.51 38 24 0.30 0.33 0.3_ 0.36 0.35 0.34 0.34 0.34 0.35 0.37 0.39 0.41 0.44 0.47 0.52 0.55 39 25 0.28 0.31 0.34 0.34 0.34 0.33 0.34 0.34 0.35 0.37 0.40 0.42 0.46 0.51 0.56 0.60 40 26 0.27 0.29 0.32 0.32 0.33 0.33 0.34 0.35 0.36 0.38 0.41 0.45 0.50 0.56 0.62 0.66 41 27 0.26 0.28 0.30 0.31 0.33 0.34 0.35 0.36 0.38 0.40 0.44 0.49 0.55 0.62 0.68 0.73 42 28 0.26 0.28 0.30 0.31 0.33 0.35 0.36 0.38 0.40 0.43 0.47 0.53 0.60 0.67 0.75 0.81 43 29 0.26 0.28 0.30 0.32 0.34 0.36 0.38 0.40 0.43 0.47 0.52 0.58 0.65 0.74 0.83 0.90 44 30 0.27 0.29 0.31 0.33 0.35 0.38 0.40 0.43 0.47 0.52 0.58 0.64 0.72 0.81 0.91 1.01 45 31 0.27 0.30 0.32 0.35 0.38 0.40 0.43 0.47 0.52 0.57 0.63 0.71 0.80 0.90 1.01 1.13 46 32 0.28 0.31 0.34 0.37 0.3_ 0.43 0.47 0.52 0.57 0.63 0.70 0.79 0.80 1.00 1.14 1.27 47 33 0.28 0.31 0.35 0.38 0.42 0.46 0.51 0.56 0.62 0.69 0.77 0.87 0.98 1.13 1.28 1.43 48 34 0.28 0.32 0.36 0.41 0.46 0.50 0.56 0.61 0.6_ 0.75 0.85 0.96 1.11 1.27 1.44 1.61 49 35 0.28 0.33 0.38 0.44 0.49 0.55 0.60 0.67 0.74 0.82 0.93 1.07 1.24 1.42 1.61 1.82 50 36 0.28 0.35 0.41 0.47 0.54 0.60 0.67 0.74 0.82 0.91 1.04 1.20 1.38 1.59 1.81 2.04 51 37 0.30 0.37 0.45 0.52 0.59 0.67 0.74 0.82 0.92 1.02 1.17 1.33 1.54 1.78 2.03 2.26 52 38 0.32 0.41 0.49 0.58 0.66 0.74 0.82 0.92 1.03 1.14 1.30 1.48 1.70 1.97 2.27 2.53 53 39 0.35 0.45 0.55 0.64 0.73 0.82 0.92 1.03 1.15 1.27 1.44 1.64 1.88 2.19 2.55 2.84 54 40 0.3_ 0.50 0.61 0.72 0.81 0.91 1.02 1.15 1.28 1.41 1.60 1.81 2.09 2.44 2.85 3.22 55 41 0.42 0.55 0.68 0.80 0.90 1.02 1.14 1.27 1.42 1.57 1.77 2.02 2.34 2.74 3.24 3.71 56 42 0.45 0.61 0.75 0.88 1.00 1.13 1.26 1.40 1.56 1.73 1.98 2.27 2.64 3.11 3.69 4.28 57 43 0.49 0.66 0.82 0.97 1.10 1.24 1.38 1.54 1.71 1.92 2.20 2.56 2.99 3.52 4.19 4.87 58 44 0.52 0.71 0.89 1.06 1.21 1.35 1.50 1.67 1.86 2.11 2.46 2.88 3.39 4.00 4.72 5.53 59 45 0.56 0.78 0.97 1.16 1.32 1.48 1.64 1.83 2.04 2.33 2.75 3.25 3.84 4.51 5.34 6.23 60 46 0.61 0.84 1.0_ 1.27 1.45 1.62 1.81 2.01 2.25 2.58 3.07 3.64 4.29 5.06 5.97 6.91 61 47 0.66 0.91 1.16 1.39 1.60 1.80 2.00 2.23 2.52 2.88 3.42 4.04 4.79 5.66 6.66 7.68 62 48 0.70 1.00 1.27 1.53 1.79 2.01 2.24 2.51 2.84 3.22 3.79 4.49 5.34 6.31 7.44 8.57 63 49 0.75 1.09 1.40 1.70 1.99 2.26 2.53 2.83 3.20 3.59 4.22 4.99 5.92 7.02 8.31 9.59 64 50 0.80 1.19 1.54 1.88 2.21 2.53 2.85 3.19 3.56 3.99 4.67 5.51 6.55 7.79 9.25 10.70 65 51 0.86 1.30 1.70 2.07 2.45 2.82 3.18 3.55 3.96 4.42 5.16 6.10 7.27 8.70 10.38 12.06 66 52 0.92 1.4_ 1.86 2.28 2.70 3.10 3.49 3.91 4.35 4.86 5.69 6.74 8.07 9.69 11.61 13.54 67 53 0.99 1.54 2.04 2.49 2.94 3.36 3.79 4.25 4.74 5.30 6.24 7.43 8.93 10.74 12.92 15.25 68 54 1.07 1.68 2.22 2.71 3.18 3.62 4.08 4.57 5.13 5.76 6.83 8.18 9.84 11.87 14.42 17.03 69 55 1.15 1.83 2.42 2.94 3.44 3.90 4.37 4.90 5.53 6.24 7.45 8.98 10.85 13.19 16.08 18.98 70 56 1.26 2.01 2.65 3.21 3.72 4.19 4.69 5.26 5.96 6.76 8.11 9.81 11.94 14.53 17.76 21.06 71 57 1.3_ 2.21 2.92 3.52 4.04 4.54 5.08 5.6_ 6.41 7.32 8.83 10.78 13.15 16.05 19.64 23.46 72 58 1.5_ 2.46 3.24 3.8_ 4.43 4.97 5.55 6.18 6.93 7.95 9.66 11.83 14.48 17.73 21.78 25.85 73 59 1.71 2.75 3.62 4.31 4.91 5.50 6.10 6.76 7.54 8.69 10.57 12.96 15.93 19.61 23.98 28.50 74 60 1.92 3.08 4.03 4.79 5.46 6.09 6.73 7.42 8.28 9.50 11.57 14.20 17.54 21.55 26.43 31.41 75 61 2.16 3.43 4.47 5.31 6.06 6.72 7.41 8.16 9.11 10.41 12.67 15.59 19.20 23.69 29.06 34.63 76 62 2.43 3.79 4.93 5.87 6.66 7.39 8.15 8.98 10.01 11.43 13.91 17.04 21.05 25.99 31.93 38.19 77 63 2.73 4.21 5.44 6.45 7.28 8.08 8.90 9.81 10.96 12.52 15.17 18.62 23.02 28.49 35.05 42.10 78 64 3.08 4.71 6.02 7.07 7.94 8.79 9.67 10.68 11.98 13.64 16.55 20.31 25.17 31.20 38.41 46.30 79 65 3.46 5.24 6.63 7.71 8.65 9.56 10.52 11.67 13.09 14.93 18.09 22.21 27.54 34.16 42.06 50.68 80 66 3.87 5.76 7.24 8.37 9.41 10.41 11.52 12.80 14.43 16.45 19.94 24.51 30.40 37.71 46.48 55.81 81 67 4.33 6.24 7.78 9.05 10.23 11.42 12.69 14.21 16.06 18.30 22.17 27.19 33.63 41.64 51.31 61.44 82 68 4.83 6.68 8.28 9.72 11.15 12.56 14.12 15.93 18.09 20.59 24.87 30.33 37.31 45.99 56.57 67.53 83 69 5.38 7.12 8.77 10.42 12.12 13.89 15.82 18.02 20.53 23.31 28.03 33.94 41.43 50.74 62.25 74.50 84 70 5.97 7.55 9.26 11.12 13.17 15.36 17.77 20.45 23.36 26.45 31.64 38.00 45.97 55.91 68.39 82.23 85 71 6.56 8.30 10.17 12.20 14.42 16.82 19.47 22.38 25.56 28.95 34.63 41.56 50.25 61.10 74.71 89.81 86 72 7.21 9.12 11.17 13.37 15.80 18.43 21.31 24.50 27.98 31.67 37.87 45.44 54.94 66.77 81.61 98.05 87 73 7.91 10.00 12.22 14.63 17.28 20.15 23.2_ 26.77 30.57 34.60 41.36 49.60 59.94 72.81 88.97 107.55 88 74 8.54 10.77 13.15 15.74 18.59 21.67 25.05 28.7_ 32.86 37.17 44.41 53.24 64.32 78.12 95.96 116.00 89 75 9.03 11.38 13.90 16.63 19.63 22.88 26.45 30.39 34.67 39.20 46.83 56.12 67.76 82.71 101.61 122.88 90 128.64 91 134.52 92 140.27 93 154.03 94
PREFERRED NON-SMOKER - FEMALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 1 0.53 0.33 0.25 0.20 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 16 2 0.34 0.26 0.21 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 0.35 17 3 0.26 0.21 0.19 0.16 0.15 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.25 0.30 0.35 0.40 18 4 0.21 0.19 0.16 0.15 0.13 0.12 0.12 0.11 0.12 0.15 0.19 0.25 0.30 0.36 0.40 0.43 19 5 0.19 0.17 0.15 0.13 0.12 0.12 0.12 0.12 0.16 0.19 0.25 0.30 0.36 0.40 0.43 0.44 20 6 0.17 0.15 0.14 0.12 0.12 0.12 0.12 0.16 0.20 0.25 0.31 0.36 0.40 0.44 0.44 0.32 21 7 0.16 0.14 0.12 0.12 0.12 0.13 0.16 0.20 0.25 0.31 0.36 0.41 0.44 0.45 0.33 0.31 22 8 0.14 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.36 0.41 0.44 0.45 0.33 0.32 0.31 23 9 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.33 0.32 0.31 0.30 24 10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.33 0.32 0.31 0.31 0.29 25 11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.33 0.32 0.31 0.31 0.30 0.29 26 12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.33 0.32 0.31 0.31 0.30 0.29 0.28 27 13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.34 0.33 0.31 0.31 0.30 0.29 0.28 0.29 28 14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.35 0.33 0.32 0.31 0.30 0.29 0.28 0.29 0.29 29 15 0.26 0.32 0.37 0.41 0.44 0.46 0.36 0.34 0.33 0.31 0.30 0.30 0.28 0.29 0.30 0.30 30 16 0.33 0.38 0.40 0.43 0.45 0.36 0.35 0.34 0.32 0.31 0.30 0.29 0.29 0.30 0.31 0.31 31 17 0.38 0.41 0.42 0.44 0.36 0.35 0.34 0.32 0.31 0.30 0.29 0.30 0.30 0.31 0.32 0.31 32 18 0.39 0.41 0.43 0.34 0.35 0.33 0.32 0.31 0.30 0.29 0.28 0.29 0.30 0.31 0.32 0.31 33 19 0.38 0.41 0.33 0.33 0.32 0.31 0.30 0.29 0.29 0.28 0.28 0.29 0.30 0.31 0.32 0.31 34 20 0.36 0.30 0.31 0.31 0.30 0.28 0.28 0.27 0.27 0.27 0.27 0.29 0.30 0.31 0.32 0.32 35 21 0.26 0.29 0.29 0.29 0.28 0.26 0.26 0.26 0.26 0.27 0.27 0.28 0.30 0.31 0.33 0.33 36 22 0.25 0.27 0.29 0.28 0.27 0.26 0.26 0.25 0.26 0.26 0.27 0.28 0.30 0.32 0.34 0.34 37 23 0.24 0.27 0.28 0.28 0.27 0.26 0.25 0.25 0.26 0.27 0.28 0.29 0.31 0.33 0.35 0.38 38 24 0.23 0.26 0.27 0.27 0.27 0.26 0.26 0.26 0.27 0.28 0.29 0.31 0.33 0.36 0.39 0.41 39 25 0.22 0.25 0.27 0.27 0.27 0.26 0.26 0.27 0.28 0.29 0.31 0.33 0.36 0.40 0.43 0.46 40 26 0.22 0.24 0.26 0.26 0.27 0.27 0.27 0.28 0.29 0.31 0.33 0.36 0.40 0.44 0.48 0.50 41 27 0.22 0.23 0.25 0.26 0.27 0.28 0.29 0.30 0.32 0.34 0.36 0.40 0.44 0.49 0.53 0.55 42 28 0.22 0.24 0.26 0.27 0.29 0.30 0.31 0.33 0.35 0.37 0.40 0.44 0.49 0.54 0.58 0.61 43 29 0.23 0.25 0.27 0.28 0.30 0.32 0.34 0.36 0.38 0.42 0.46 0.50 0.54 0.59 0.64 0.68 44 30 0.25 0.26 0.28 0.30 0.33 0.35 0.37 0.40 0.4_ 0.48 0.52 0.56 0.60 0.66 0.71 0.76 45 31 0.25 0.28 0.30 0.32 0.34 0.37 0.40 0.43 0.48 0.52 0.57 0.61 0.66 0.7_ 0.79 0.85 46 32 0.26 0.29 0.31 0.34 0.36 0.40 0.43 0.47 0.52 0.58 0.62 0.68 0.74 0.81 0.88 0.96 47 33 0.26 0.29 0.32 0.35 0.39 0.43 0.47 0.52 0.57 0.63 0.68 0.75 0.82 0.91 1.00 1.07 48 34 0.26 0.30 0.33 0.37 0.42 0.46 0.51 0.56 0.62 0.68 0.75 0.82 0.91 1.02 1.11 1.21 49 35 0.26 0.31 0.35 0.40 0.45 0.50 0.55 0.61 0.68 0.74 0.82 0.91 1.02 1.13 1.25 1.36 50 36 0.2_ 0.31 0.37 0.42 0.48 0.54 0.59 0.66 0.72 0.80 0.89 0.99 1.11 1.24 1.37 1.49 51 37 0.26 0.32 0.39 0.45 0.51 0.57 0.64 0.71 0.78 0.86 0.96 1.07 1.20 1.35 1.50 1.63 52 38 0.27 0.34 0.42 0.49 0.55 0.62 0.68 0.76 0.84 0.93 1.03 1.15 1.29 1.46 1.64 1.79 53 39 0.28 0.37 0.45 0.52 0.59 0.66 0.73 0.82 0.91 1.00 1.11 1.24 1.39 1.58 1.81 1.97 54 40 0.30 0.39 0.48 0.56 0.63 0.70 0.79 0.88 0.97 1.07 1.19 1.33 1.50 1.72 1.98 2.20 55 41 0.32 0.43 0.52 0.61 0.69 0.77 0.86 0.95 1.06 1.17 1.29 1.45 1.64 1.89 2.19 2.46 56 42 0.34 0.46 0.56 0.66 0.75 0.84 0.93 1.03 1.14 1.27 1.41 1.59 1.81 2.08 2.42 2.75 57 43 0.36 0.49 0.60 0.71 0.81 0.90 1.00 1.11 1.23 1.37 1.54 1.75 2.00 2.30 2.67 3.03 58 44 0.38 0.52 0.64 0.76 0.86 0.96 1.07 1.18 1.31 1.49 1.69 1.93 2.21 2.54 2.92 3.32 59 45 0.40 0.55 0.69 0.81 0.92 1.03 1.14 1.27 1.41 1.61 1.85 2.13 2.44 2.79 3.20 3.62 60 46 0.42 0.58 0.73 0.87 0.99 1.11 1.23 1.37 1.53 1.76 2.03 2.35 2.71 3.11 3.57 4.01 61 47 0.45 0.62 0.78 0.93 1.07 1.20 1.34 1.49 1.68 1.92 2.23 2.59 2.99 3.45 3.97 4.46 62 48 0.47 0.66 0.84 1.01 1.17 1.32 1.47 1.64 1.86 2.11 2.44 2.83 3.30 3.82 4.41 4.97 63 49 0.49 0.70 0.90 1.09 1.28 1.45 1.63 1.82 2.06 2.31 2.67 3.10 3.62 4.21 4.90 5.56 64 50 0.51 0.75 0.97 1.19 1.40 1.60 1.80 2.01 2.25 2.51 2.90 3.37 3.96 4.64 5.44 6.21 65 51 0.55 0.82 1.07 1.31 1.55 1.78 2.01 2.25 2.50 2.78 3.20 3.72 4.36 5.14 6.04 6.91 66 52 0.59 0.90 1.18 1.45 1.71 1.97 2.22 2.47 2.75 3.06 3.51 4.09 4.81 5.67 6.69 7.66 67 53 0.63 0.98 1.30 1.58 1.87 2.14 2.41 2.69 2.99 3.33 3.84 4.49 5.28 6.24 7.36 8.46 68 54 0.68 1.07 1.42 1.73 2.03 2.30 2.59 2.89 3.23 3.62 4.19 4.92 5.79 6.83 8.07 9.26 69 55 0.74 1.17 1.55 1.80 2.19 2.48 2.77 3.10 3.49 3.92 4.57 5.38 6.34 7.48 8.85 10.11 70 56 0.81 1.28 1.70 2.05 2.37 2.66 2.97 3.32 3.75 4.25 4.97 5.87 6.94 8.19 9.69 11.12 71 57 0.__ 1.42 1.87 2.25 2.57 2.88 3.22 3.59 4.04 4.60 5.41 6.41 7.59 8.97 10.63 12.26 72 58 0.99 1.58 2.08 2.48 2.82 3.16 3.51 3.91 4.36 5.00 5.89 7.00 8.30 9.83 11.67 13.57 73 59 1.10 1.77 2.32 2.75 3.12 3.49 3.87 4.27 4.75 5.43 6.41 7.62 9.06 10.78 12.91 15.03 74 60 1.24 1.98 2.58 3.06 3.48 3.86 4.26 4.68 5.20 5.91 6.97 8.29 9.89 11.83 14.27 16.63 75 61 1.39 2.20 2.86 3.39 3.85 4.27 4.69 5.14 5.69 6.44 7.62 9.09 10.98 13.30 16.04 18.83 76 62 1.56 2.43 3.15 3.75 4.24 4.69 5.14 5.63 6.22 7.03 8.33 10.03 12.20 14.85 18.01 21.29 77 63 1.76 2.70 3.48 4.12 4.63 5.11 5.60 6.12 6.77 7.65 9.14 11.06 13.52 16.56 20.19 23.88 78 64 1.98 3.09 3.85 4.51 5.04 5.55 6.06 6.63 7.35 8.34 10.02 12.18 14.99 18.45 22.43 26.71 79 65 2.22 3.33 4.24 4.91 5.48 6.01 6.56 7.20 8.04 9.14 11.01 13.45 16.61 20.41 24.90 29.71 80 66 2.49 3.69 4.62 5.32 5.94 6.52 7.14 7.90 8.87 10.08 12.22 15.02 18.53 22.88 28.05 33.50 81 67 2.78 4.00 4.96 5.73 6.44 7.12 7.87 8.77 9.88 11.23 13.67 16.76 20.72 25.63 31.54 37.71 82 68 3.11 4.27 5.27 6.15 6.98 7.83 8.75 9.83 11.13 12.64 15.35 18.81 23.22 28.70 35.39 42.34 83 69 3.46 4.55 5.57 6.56 7.58 8.64 9.80 11.12 12.64 14.26 17.32 21.16 26.02 32.10 39.61 47.65 84 70 3.83 4.89 5.86 6.99 8.22 9.55 11.01 12.62 14.33 16.12 19.58 23.__ 29.15 35.82 44.2_ 53.61 85 71 4.21 5.28 6.42 7.65 9.00 10.45 12.04 13.77 15.62 17.58 21.49 26.29 32.35 39.94 49.53 60.31 86 72 4.61 5.78 7.03 8.37 9.84 11.43 13.14 15.01 17.03 19.15 23.58 29.02 35.89 44.53 55.45 67.78 87 73 5.04 6.32 7.68 9.14 10.75 12.46 14.31 16.34 18.53 20.84 25.82 31.96 39.74 49.52 61.93 76.51 88 74 5.42 6.79 8.24 9.81 11.52 13.34 15.33 17.50 19.84 22.30 27.82 34.63 43.27 54.17 68.45 84.88 89 75 5.71 7.13 8.69 10.33 12.12 14.04 16.12 18.39 20.86 23.44 29.43 36.84 46.26 58.50 74.22 92.40 90 9_.60 91 100.88 92 10_.65 93 115.41 94
PREFERRED SMOKER - MALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 3.25 0.73 0.46 0.35 0.28 0.25 0.21 0.20 0.18 0.16 0.18 0.21 0.25 0.35 0.47 0.65 15 1 0.78 0.48 0.37 0.30 0.26 0.23 0.21 0.19 0.17 0.17 0.19 0.23 0.32 0.43 0.60 0.78 16 2 0.51 0.39 0.31 0.28 0.24 0.22 0.20 0.18 0.18 0.18 0.22 0.30 0.40 0.56 0.73 0.91 17 3 0.4_ 0.33 0.29 0.25 0.23 0.21 0.19 0.19 0.19 0.20 0.28 0.38 0.53 0.68 0.85 1.02 18 4 0.35 0.31 0.27 0.24 0.22 0.20 0.19 0.20 0.21 0.27 0.36 0.50 0.64 0.80 0.96 1.10 19 5 0.33 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.35 0.48 0.61 0.76 0.91 1.04 1.12 20 6 0.30 0.27 0.24 0.22 0.21 0.21 0.23 0.29 0.36 0.46 0.59 0.73 0.87 0.99 1.06 0.94 21 7 0.28 0.25 0.23 0.22 0.22 0.24 0.30 0.37 0.48 0.58 0.71 0.84 0.95 1.02 0.95 0.92 22 8 0.26 0.24 0.23 0.23 0.25 0.31 0.39 0.50 0.60 0.70 0.82 0.93 0.99 0.94 0.93 0.90 23 9 0.25 0.24 0.24 0.25 0.32 0.40 0.51 0.62 0.73 0.82 0.92 0.97 0.92 0.91 0.91 0.89 24 10 0.25 0.25 0.26 0.33 0.41 0.53 0.64 0.75 0.84 0.92 0.96 0.90 0.90 0.90 0.90 0.88 25 11 0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 0.89 0.88 0.88 0.89 0.88 0.87 26 12 0.27 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 0.87 0.87 0.87 0.87 0.87 0.88 0.84 27 13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 0.86 0.85 0.85 0.86 0.86 0.87 0.85 0.87 28 14 0.43 0.56 0.67 0.79 0.88 0.96 0.98 0.85 0.84 0.83 0.84 0.84 0.85 0.84 0.88 0.88 29 15 0.55 0.67 0.78 0.87 0.94 0.98 0.85 0.83 0.82 0.82 0.83 0.84 0.83 0.87 0.89 0.90 30 16 0.65 0.75 0.81 0.86 0.90 0.83 0.83 0.81 0.81 0.81 0.81 0.81 0.85 0.88 0.91 0.92 31 17 0.71 0.77 0.80 0.83 0.81 0.80 0.80 0.79 0.79 0.80 0.80 0.84 0.87 0.91 0.94 0.92 32 18 0.6_ 0.73 0.76 0.76 0.79 0.76 0.76 0.76 0.77 0.78 0.78 0.83 0.87 0.91 0.93 0.91 33 19 0.63 0.68 0.71 0.73 0.74 0.71 0.72 0.72 0.73 0.75 0.76 0.82 0.86 0.91 0.92 0.91 34 20 0.56 0.64 0.67 0.68 0.68 0.65 0.68 0.68 0.70 0.73 0.74 0.80 0.85 0.90 0.93 0.92 35 21 0.54 0.61 0.64 0.64 0.63 0.60 0.63 0.64 0.67 0.70 0.74 0.79 0.84 0.89 0.94 0.95 36 22 0.5_ 0.57 0.61 0.61 0.60 0.60 0.61 0.62 0.66 0.69 0.74 0.78 0.84 0.90 0.96 0.98 37 23 0.49 0.55 0.59 0.59 0.60 0.58 0.60 0.62 0.66 0.70 0.74 0.79 0.86 0.93 0.99 1.07 38 24 0.4_ 0.52 0.56 0.58 0.59 0.59 0.60 0.63 0.67 0.71 0.77 0.81 0.89 0.98 1.08 1.18 39 25 0.44 0.49 0.55 0.57 0.59 0.60 0.62 0.65 0.69 0.73 0.80 0.86 0.96 1.08 1.19 1.30 40 26 0.42 0.47 0.52 0.56 0.60 0.62 0.64 0.67 0.71 0.76 0.84 0.93 1.05 1.19 1.34 1.45 41 27 0.42 0.46 0.51 0.56 0.61 0.64 0.67 0.71 0.75 0.81 0.90 1.02 1.16 1.33 1.49 1.61 42 28 0.43 0.47 0.53 0.58 0.63 0.67 0.71 0.76 0.81 0.88 0.99 1.12 1.28 1.47 1.65 1.80 43 29 0.4_ 0.50 0.55 0.60 0.66 0.71 0.76 0.81 0.88 0.98 1.10 1.25 1.42 1.62 1.83 2.02 44 30 0.48 0.53 0.59 0.64 0.70 0.76 0.81 0.89 0.98 1.09 1.23 1.39 1.57 1.80 2.04 2.28 45 31 0.5_ 0.57 0.6_ 0.69 0.75 0.82 0.89 0.98 1.10 1.22 1.37 1.55 1.76 2.01 2.28 2.54 46 32 0.__ 0.60 0.66 0.73 0.80 0.88 0.98 1.08 1.22 1.36 1.53 1.73 1.97 2.25 2.55 2.84 47 33 0.54 0.62 0.70 0.78 0.87 0.97 1.08 1.20 1.34 1.50 1.70 1.93 2.21 2.52 2.87 3.18 48 34 0.55 0.64 0.73 0.83 0.95 1.06 1.19 1.32 1.48 1.65 1.88 2.15 2.47 2.84 3.20 3.58 49 35 0.55 0.67 0.7_ 0.91 1.03 1.16 1.30 1.46 1.63 1.81 2.08 2.38 2.75 3.16 3.58 4.01 50 36 0.57 0.71 0.85 1.00 1.15 1.30 1.46 1.63 1.82 2.02 2.32 2.66 3.06 3.52 4.00 4.45 51 37 0.61 0.77 0.94 1.11 1.28 1.45 1.63 1.83 2.04 2.26 2.58 2.94 3.39 3.91 4.44 4.88 52 38 0.66 0.85 1.05 1.25 1.44 1.62 1.82 2.05 2.27 2.52 2.86 3.26 3.74 4.30 4.90 5.39 53 39 0.73 0.96 1.18 1.40 1.61 1.82 2.04 2.28 2.54 2.79 3.16 3.58 4.10 4.71 5.43 5.97 54 40 0.81 1.0_ 1.3_ 1.58 1.80 2.03 2.27 2.54 2.81 3.10 3.48 3.93 4.4_ 5.19 6.01 6.66 55 41 0.90 1.20 1.50 1.76 2.01 2.25 2.51 2.79 3.10 3.41 3.84 4.33 4.97 5.77 6.72 7.55 56 42 0.98 1.33 1.66 1.96 2.22 2.48 2.76 3.07 3.40 3.74 4.22 4.81 5.53 6.42 7.50 8.55 57 43 1.07 1.46 1.82 2.14 2.44 2.72 3.02 3.34 3.69 4.08 4.66 5.34 6.16 7.15 8.37 9.56 58 44 1.16 1.59 1.98 2.34 2.65 2.96 3.27 3.61 3.97 4.45 5.13 5.92 6.86 7.98 9.27 10.59 59 45 1.26 1.7_ 2.15 2.55 2.89 3.22 3.55 3.90 4.29 4.85 5.64 6.56 7.63 8.84 10.23 11.66 60 46 1.35 1.85 2.33 2.77 3.15 3.50 3.85 4.24 4.67 5.28 6.17 7.21 8.38 9.67 11.18 12.68 61 47 1.45 2.01 2.53 3.02 3.46 3.83 4.21 4.64 5.15 5.78 6.76 7.88 9.14 10.58 12.23 13.81 62 48 1.54 2.18 2.76 3.30 3.81 4.24 4.66 5.13 5.71 6.35 7.37 8.55 9.95 11.55 13.39 15.11 63 49 1.65 2.36 3.01 3.62 4.20 4.70 5.18 5.69 6.31 6.95 8.00 9.27 10.81 12.60 14.65 16.56 64 50 1.75 2.56 3.28 3.96 4.61 5.18 5.73 6.30 6.91 7.56 8.66 10.04 11.73 13.71 15.98 18.10 65 51 1.85 2.77 3.57 4.31 5.01 5.66 6.28 6.83 7.49 8.18 9.3_ 10.90 12.77 15.00 17.57 19.98 66 52 1.97 2.99 3.87 4.67 5.42 6.12 6.77 7.40 8.05 8.81 10.13 11.80 13.88 16.35 19.22 21.94 67 53 2.09 3.21 4.17 5.01 5.80 6.52 7.18 7.86 8.59 9.42 10.90 12.75 15.03 17.74 20.94 24.15 68 54 2.22 3.44 4.46 5.35 6.16 6.86 7.55 8.29 9.11 10.03 11.68 13.74 16.23 19.19 22.84 26.36 69 55 2.36 3.68 4.78 5.70 6.51 7.21 7.92 8.70 9.64 10.65 12.48 14.77 17.49 20.84 24.89 28.70 70 56 2.53 3.96 5.13 6.08 6.89 7.60 8.34 9.16 10.16 11.30 13.30 15.79 18.82 22.45 26.86 31.09 71 57 2.73 4.2_ 5.53 6.51 7.33 8.06 8.84 9.70 10.71 11.98 14.17 16.95 20.26 24.21 28.99 33.78 72 58 2.97 4.65 6.00 7.04 7.88 8.66 9.47 10.33 11.33 12.72 15.15 18.17 21.79 26.11 31.36 36.29 73 59 3.2_ 5.09 6.56 7.66 8.55 9.38 10.20 11.06 12.07 13.59 16.20 19.46 23.41 28.17 33.67 39.00 74 60 3.55 5.58 7.16 8.34 9.32 10.17 11.01 11.87 12.96 14.53 17.32 20.81 25.14 30.18 36.16 42.12 75 61 3.92 6.09 7.79 9.07 10.12 11.00 11.86 12.77 13.92 15.55 18.52 22.29 26.83 32.34 38.97 45.51 76 62 4.32 6.60 8.41 9.81 10.90 11.83 12.75 13.72 14.95 16.66 19.84 23.75 28.66 34.77 41.95 49.15 77 63 4.76 7.19 9.09 10.56 11.66 12.63 13.60 14.65 15.98 17.81 21.10 25.29 30.73 37.35 45.10 53.05 78 64 5.25 7.87 9.84 11.31 12.43 13.43 14.45 15.57 17.03 18.92 22.43 27.04 32.92 40.06 48.40 57.08 79 65 5.78 8.56 10.61 12.06 13.22 14.27 15.34 16.60 18.15 20.1_ 24.02 28.9_ 35.28 42.95 51.86 61.12 80 66 6.33 9.21 11.32 12.80 14.05 15.18 16.39 17.75 19.50 21.78 25.95 31.32 38.12 46.39 56.05 65.80 81 67 6.93 9.75 11.89 13.51 14.92 16.24 17.59 19.19 21.27 23.75 28.26 34.01 41.28 50.10 60.49 70.78 82 68 7.56 10.21 1_._6 14.17 15.85 17.42 19.08 21.10 23.47 26.17 31.02 37.13 44.79 54.10 65.16 75.98 83 69 8.23 10.63 12.79 14.82 16.80 18.77 20.95 23.38 26.09 29.01 34.22 40.64 48.61 58.32 70.04 81.79 84 70 8.9_ 11.01 13.17 15.41 17.79 20.35 23.07 25.99 29.06 32.21 37.80 44.48 52.71 62.76 75.0_ 8_.07 85 71 9.57 11._1 14.11 16.49 19.11 21._4 24.74 27.85 31.12 34.48 40.43 47.53 56.28 66.94 __.__ 93.75 86 72 10.26 12.64 15.09 17.71 20.51 23.42 26.52 29.83 33.33 36.88 43.21 50.76 60.04 71.35 85.20 99.72 87 73 10.__ 13.51 16.19 18.99 21.97 25.07 28.36 31.8_ 35.60 39.36 46.07 54.07 63.90 75.84 __.__ 107.55 88 74 11.53 14.26 17.07 20.01 23.13 26.38 29.83 33.52 37.38 41.29 48.29 56.62 66.85 79.26 __.__ 116.00 89 75 11.96 14.77 17.67 20.69 23.91 27.26 30.80 34.57 38.52 42.51 49.66 58.17 68.60 82.71 101.__ 122.88 90 128.64 91 134.52 92 ___.27 93 ___.03 94
PREFERRED SMOKER - FEMALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 1 0.53 0.33 0.25 0.20 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 16 2 0.34 0.26 0.21 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 0.35 17 3 0.26 0.21 0.19 0.16 0.15 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.25 0.30 0.35 0.40 18 4 0.21 0.19 0.16 0.15 0.13 0.12 0.12 0.11 0.12 0.15 0.19 0.25 0.30 0.36 0.40 0.43 19 5 0.19 0.17 0.15 0.13 0.12 0.12 0.12 0.12 0.16 0.19 0.25 0.30 0.36 0.40 0.43 0.44 20 6 0.17 0.15 0.14 0.12 0.12 0.12 0.12 0.16 0.20 0.25 0.31 0.36 0.40 0.44 0.44 0.66 21 7 0.16 0.14 0.12 0.12 0.12 0.13 0.16 0.20 0.25 0.31 0.36 0.41 0.44 0.45 0.66 0.64 22 8 0.14 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.36 0.41 0.44 0.45 0.65 0.65 0.63 23 9 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.64 0.64 0.63 0.62 24 10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.63 0.62 0.62 0.62 0.60 25 11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.61 0.61 0.61 0.61 0.60 0.59 26 12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.59 0.59 0.59 0.60 0.60 0.59 0.57 27 13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.59 0.58 0.58 0.59 0.58 0.59 0.57 0.59 28 14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.58 0.57 0.57 0.57 0.57 0.58 0.57 0.59 0.60 29 15 0.26 0.32 0.37 0.41 0.44 0.46 0.58 0.57 0.56 0.55 0.56 0.56 0.56 0.59 0.61 0.62 30 16 0.33 0.38 0.40 0.43 0.45 0.57 0.57 0.56 0.55 0.55 0.55 0.55 0.58 0.60 0.62 0.63 31 17 0.38 0.41 0.42 0.44 0.56 0.55 0.54 0.54 0.54 0.53 0.53 0.57 0.59 0.62 0.64 0.64 32 18 0.39 0.41 0.43 0.53 0.54 0.52 0.52 0.52 0.52 0.52 0.52 0.56 0.59 0.62 0.64 0.63 33 19 0.38 0.41 0.49 0.50 0.50 0.49 0.49 0.49 0.49 0.50 0.51 0.55 0.59 0.63 0.64 0.64 34 20 0.36 0.45 0.47 0.47 0.47 0.45 0.46 0.46 0.47 0.49 0.50 0.55 0.58 0.62 0.65 0.65 35 21 0.38 0.42 0.44 0.44 0.43 0.41 0.42 0.43 0.45 0.47 0.50 0.54 0.58 0.62 0.66 0.67 36 22 0.37 0.41 0.44 0.44 0.43 0.42 0.43 0.43 0.46 0.49 0.52 0.55 0.59 0.64 0.69 0.72 37 23 0.36 0.41 0.44 0.44 0.43 0.43 0.44 0.45 0.48 0.51 0.54 0.58 0.63 0.68 0.73 0.79 38 24 0.35 0.40 0.43 0.44 0.45 0.44 0.46 0.48 0.50 0.54 0.58 0.62 0.68 0.74 0.82 0.88 39 25 0.35 0.39 0.43 0.45 0.46 0.47 0.48 0.51 0.54 0.58 0.63 0.68 0.75 0.84 0.92 0.99 40 26 0.34 0.39 0.43 0.45 0.48 0.50 0.52 0.54 0.58 0.62 0.68 0.74 0.83 0.93 1.03 1.10 41 27 0.35 0.39 0.43 0.47 0.51 0.53 0.56 0.59 0.63 0.68 0.75 0.83 0.94 1.05 1.16 1.22 42 28 0.37 0.41 0.46 0.50 0.54 0.58 0.61 0.65 0.70 0.76 0.84 0.94 1.05 1.17 1.28 1.37 43 29 0.40 0.44 0.49 0.54 0.59 0.63 0.67 0.73 0.79 0.83 0.97 1.06 1.18 1.30 1.43 1.53 44 30 0.44 0.49 0.54 0.59 0.64 0.70 0.75 0.82 0.90 1.01 1.10 1.21 1.32 1.46 1.60 1.71 45 31 0.47 0.52 0.57 0.63 0.69 0.75 0.82 0.90 1.01 1.12 1.23 1.34 1.47 1.63 1.78 1.91 46 32 0._9 0.55 0.61 0.67 0.74 0.81 0.90 1.00 1.12 1.24 1.36 1.4_ 1.64 1.81 1.98 2.13 47 33 0.50 0.57 0.64 0.72 0.80 0.89 1.00 1.10 1.23 1.37 1.50 1.66 1.83 2.03 2.22 2.38 48 34 0.50 0.59 0.68 0.77 0.87 0.98 1.09 1.22 1.35 1.50 1.66 1.84 2.04 2.27 2.48 2.67 49 35 0.51 0.62 0.72 0.84 0.95 1.07 1.20 1.33 1.48 1.65 1.83 2.03 2.27 2.52 2.76 3.00 50 36 0.51 0.64 0.76 0.89 1.03 1.16 1.30 1.44 1.60 1.77 1.97 2.19 2.45 2.74 3.__ 3.27 51 37 0.53 0.67 0.82 0.97 1.11 1.25 1.40 1.56 1.73 1.91 2.13 2.36 2.65 2.97 3.29 3.52 52 38 0.56 0.72 0.89 1.05 1.20 1.35 1.51 1.69 1.86 2.06 2.27 2.53 2.84 3.19 3.55 3.82 53 39 0.60 0.79 0.96 1.13 1.30 1.46 1.63 1.81 2.01 2.20 2.43 2.70 3.03 3.41 3.86 4.15 54 40 0.64 0.85 1.04 1.23 1.40 1.57 1.74 1.94 2.14 2.35 2.60 2.88 3.23 3.67 4.18 4.55 55 41 0.69 0.93 1.15 1.35 1.53 1.70 1.89 2.09 2.31 2.54 2.80 3.10 3.49 3.97 4.54 5.00 56 42 0.75 1.01 1.25 1.46 1.65 1.84 2.04 2.25 2.49 2.74 3.02 3.37 3.79 4.30 4.92 5.49 57 43 0.80 1.08 1.34 1.57 1.78 1.97 2.18 2.41 2.65 2.93 3.26 3.66 4.11 4.67 5.34 5.95 58 44 0.84 1.15 1.43 1.68 1.89 2.10 2.32 2.55 2.80 3.14 3.52 3.96 4.47 5.07 5.74 6.37 59 45 0.89 1.22 1.52 1.79 2.01 2.24 2.47 2.70 2.97 3.36 3.80 4.29 4.86 5.47 6.14 6.78 60 46 0.94 1.28 1.60 1.90 2.16 2.39 2.62 2.89 3.18 3.59 4.10 4.67 5.2_ 5.94 6.6_ 7.37 61 47 0.98 1.36 1.71 2.03 2.32 2.56 2.82 3.10 3.44 3.86 4.42 5.04 5.71 6.45 7.28 8.02 62 48 1.02 1.44 1.82 2.18 2.50 2.78 3.06 3.36 3.74 4.16 4.74 5.39 6.15 6.99 7.94 8.77 63 49 1.07 1.53 1.95 2.33 2.70 3.02 3.33 3.66 4.06 4.47 5.06 5.76 6.61 7.57 8.65 9.61 64 50 1.11 1.62 2.08 2.50 2.91 3.27 3.61 3.97 4.36 4.76 5.37 6.15 7.09 8.17 9.40 10.50 65 51 1.18 1.76 2.26 2.73 3.17 3.5_ 3.97 4.35 4.73 5.14 5.81 6.65 7.66 8.86 10.22 11.45 66 52 1.25 1.90 2.46 2.96 3.43 3.88 4.29 4.68 5.08 5.54 6.26 7.16 8.27 9.58 11.07 12.41 67 53 1.33 2.04 2.65 3.18 3.69 4._4 4.56 4.97 5.42 5.93 6.71 7.70 8.90 10.31 11.93 13.40 68 54 1.42 2.12 2.84 3.41 3.93 4.36 4.78 5.24 5.75 6.31 7.1_ 8.26 9.55 11.05 12.79 14.34 69 55 1.51 2.35 3.06 3.64 4.15 4.58 5.02 5.50 6.07 6.69 7.66 8.84 10.22 11.82 13.70 15.29 70 56 1.62 2.53 3.29 3.88 4.39 4.83 5.29 5.79 6.40 7.10 8.16 9.45 10.94 12.65 14.66 16.42 71 57 1.75 2.75 3.54 4.16 4.67 5.13 5.60 6.13 6.75 7.53 8.69 10.09 11.70 13.53 15.69 17.66 72 58 1.91 2.99 3.84 4.50 5.02 5.50 5.99 6.53 7.14 7.99 9.24 10.75 12.49 14.48 16.80 19.06 73 59 2.09 3.27 4.20 4.89 5.44 5.95 6.46 6.99 7.60 8.50 9.83 11.43 13.32 15.48 18.12 20.56 74 60 2.29 3.58 4.59 5.32 5.93 6.46 6.97 7.49 8.13 9.04 10.44 12.15 14.18 16.65 19.52 22.30 75 61 2.52 3.91 4.99 5.78 6.44 6.98 7.50 8.04 8.70 9.62 11.14 13.00 15.35 18.15 21.51 24.73 76 62 2.78 4.24 5.38 6.26 6.94 7.50 8.05 8.60 9.29 10.25 11.88 13.99 16.61 19.86 23.67 27.39 77 63 3.06 4.61 5.82 6.74 7.42 8.00 8.56 9.14 9.87 10.88 12.71 15.03 18.05 21.72 25.98 30.09 78 64 3.37 5.05 6.30 7.21 7.89 8.48 9.05 9.66 10.46 11.57 13.57 16.22 19.60 23.69 28.26 32.93 79 65 3.71 5.49 6.79 7.68 8.37 8.97 9.57 10.24 11.16 12.35 14.62 17.55 21.28 25.66 30.70 35.84 80 66 4.07 5.91 7.23 8.14 8.87 9.51 10.16 10.96 11.98 13.35 15.90 19.19 23.24 28.15 33.84 39.49 81 67 4.46 6.25 7.59 8.56 9.39 10.12 10.91 11.85 13.08 14.57 17.42 20.97 25.43 30.85 37.19 43.44 82 68 4.86 6.54 7.87 8.96 9.93 10.85 11.83 13.02 14.45 16.07 19.15 23.02 27.83 33.76 40.77 47.63 83 69 5.29 6.80 8.12 9.33 10.52 11.68 12.98 14.44 16.06 17.75 21.15 25.34 30.54 36.89 44.56 52.32 84 70 5.72 7.02 8.34 9.69 11.11 12.65 14.29 16.04 17.83 19.63 23.39 27.88 33.42 40.21 48.56 57.42 85 71 6.13 7.51 8.91 10.34 11.92 13.56 15.31 17.13 19.02 20.93 25.09 30.07 36.23 43.76 53.05 62.97 86 72 6.56 8.02 9.50 11.09 12.78 14.53 16.35 18.28 20.29 22.30 26.90 32.42 39.22 47.58 57.89 68.93 87 73 6.99 8.54 10.17 11.86 13.66 15.50 17.42 19.46 21.58 23.71 28.77 34.85 42.36 51.58 62.__ 76.51 88 74 7.32 8.99 10.70 12.47 14.34 16.25 18.25 20.37 22.57 24.79 30.25 36.83 44.97 54.97 68.45 84.88 89 75 7.56 9.28 11.04 12.86 14.76 16.72 18.76 20.93 23.18 25.42 31.21 38.20 46.83 58.50 74.22 92.40 90 96.60 91 100.88 92 106.65 93 ___.41 94
NON-SMOKER - MALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 3.25 0.73 0.46 0.35 0.28 0.25 0.21 0.20 0.18 0.16 0.18 0.21 0.25 0.35 0.47 0.65 15 1 0.78 0.48 0.37 0.30 0.26 0.23 0.21 0.19 0.17 0.17 0.19 0.23 0.32 0.43 0.60 0.78 16 2 0.51 0.39 0.31 0.28 0.24 0.22 0.20 0.18 0.18 0.18 0.22 0.30 0.40 0.56 0.73 0.91 17 3 0.41 0.33 0.29 0.25 0.23 0.21 0.19 0.19 0.19 0.20 0.28 0.38 0.53 0.68 0.85 1.02 18 4 0.35 0.31 0.27 0.24 0.22 0.20 0.19 0.20 0.21 0.27 0.36 0.50 0.64 0.80 0.96 1.10 19 5 0.33 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.23 0.35 0.48 0.61 0.76 0.91 1.04 1.12 20 6 0.30 0.27 0.24 0.22 0.21 0.21 0.23 0.29 0.36 0.46 0.59 0.73 0.87 0.99 1.06 0.57 21 7 0.28 0.25 0.23 0.22 0.22 0.24 0.30 0.37 0.43 0.58 0.71 0.84 0.95 1.02 0.59 0.56 22 8 0.26 0.24 0.23 0.23 0.25 0.31 0.39 0.50 0.60 0.70 0.82 0.93 0.99 0.60 0.57 0.55 23 9 0.25 0.24 0.24 0.25 0.32 0.40 0.51 0.62 0.73 0.82 0.92 0.97 0.61 0.58 0.56 0.54 24 10 0.25 0.25 0.26 0.33 0.41 0.53 0.64 0.75 0.84 0.92 0.96 0.63 0.60 0.57 0.56 0.53 25 11 0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 0.65 0.62 0.59 0.57 0.55 0.53 26 12 0.27 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 0.67 0.64 0.61 0.58 0.56 0.54 0.51 27 13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 0.70 0.66 0.63 0.60 0.57 0.55 0.53 0.53 28 14 0.43 0.56 0.67 0.79 0.88 0.96 0.98 0.71 0.68 0.65 0.62 0.59 0.57 0.54 0.54 0.54 29 15 0.55 0.67 0.78 0.87 0.94 0.98 0.73 0.69 0.67 0.64 0.61 0.59 0.55 0.55 0.55 0.55 30 16 0.65 0.75 0.81 0.86 0.90 0.73 0.71 0.68 0.66 0.63 0.60 0.57 0.57 0.56 0.57 0.56 31 17 0.71 0.77 0.80 0.83 0.72 0.70 0.69 0.66 0.64 0.62 0.59 0.59 0.58 0.58 0.58 0.56 32 18 0.68 0.73 0.76 0.70 0.70 0.67 0.66 0.64 0.63 0.61 0.57 0.58 0.58 0.58 0.58 0.55 33 19 0.63 0.68 0.66 0.66 0.66 0.63 0.62 0.60 0.60 0.58 0.5_ 0.57 0.58 0.58 0.57 0.55 34 20 0.56 0.60 0.63 0.62 0.61 0.58 0.58 0.56 0.57 0.56 0.54 0.56 0.57 0.57 0.58 0.56 35 21 0.52 0.57 0.59 0.53 0.57 0.53 0.54 0.53 0.54 0.55 0.54 0.56 0.56 0.57 0.58 0.58 36 22 0.48 0.53 0.56 0.55 0.5_ 0.51 0.51 0.50 0.51 0.52 0.53 0.53 0.55 0.57 0.58 0.59 37 23 0.45 0.50 0.53 0.52 0.51 0.49 0.49 0.48 0.49 0.51 0.52 0.53 0.56 0.58 0.60 0.64 38 24 0.42 0.46 0.49 0.50 0.49 0.4_ 0.47 0.47 0.49 0.51 0.53 0.54 0.57 0.60 0.64 0.69 39 25 0.39 0.43 0.47 0.47 0.48 0.46 0.47 0.48 0.49 0.51 0.54 0.56 0.60 0.66 0.70 0.75 40 26 0.37 0.41 0.44 0.45 0.46 0.46 0.47 0.48 0.50 0.53 0.56 0.60 0.65 0.72 0.77 0.83 41 27 0.36 0.39 0.42 0.44 0.46 0.47 0.43 0.50 0.53 0.56 0.59 0.65 0.71 0.79 0.85 0.91 42 28 0.36 0.38 0.41 0.44 0.46 0.48 0.50 0.53 0.55 0.60 0.65 0.71 0.78 0.86 0.94 1.02 43 29 0.36 0.38 0.41 0.44 0.47 0.50 0.53 0.56 0.60 0.66 0.71 0.77 0.85 0.94 1.03 1.13 44 30 0.37 0.40 0.43 0.46 0.49 0.53 0.56 0.60 0.66 0.72 0.78 0.85 0.93 1.04 1.14 1.26 45 31 0.3_ 0.4_ 0.45 0.48 0.52 0.56 0.60 0.65 0.72 0.79 0.86 0.94 1.04 1.14 1.26 1.41 46 32 0.3_ 0.43 0.47 0.51 0.55 0.60 0.65 0.72 0.79 0.87 0.95 1.04 1.15 1.28 1.4_ 1.59 47 33 0.39 0.44 0.49 0.53 0.59 0.65 0.71 0.78 0.86 0.96 1.05 1.15 1.28 1.44 1.60 1.79 48 34 0.3_ 0.45 0.50 0.56 0.63 0.70 0.77 0.85 0.94 1.05 1.15 1.2_ 1.44 1.62 1.80 2.02 49 35 0.39 0.46 0.53 0.61 0.68 0.76 0.84 0.93 1.03 1.14 1.27 1.42 1.61 1.81 2.02 2.28 50 36 0.39 0.4_ 0.57 0.66 0.75 0.83 0.93 1.03 1.14 1.26 1.42 1.59 1.80 2.03 2.27 2.54 51 37 0.41 0.52 0.6_ 0.72 0.83 0.93 1.03 1.15 1.27 1.41 1.58 1.77 2.00 2.27 2.54 2.83 52 38 0.44 0.56 0.69 0.80 0.92 1.03 1.14 1.2_ 1.42 1.58 1.76 1.97 2.22 2.51 2.84 3.16 53 39 0.48 0.63 0.76 0.89 1.02 1.14 1.27 1.43 1.60 1.76 1.95 2.1_ 2.45 2.79 3.18 3.54 54 40 0.53 0.70 0.85 1.00 1.13 1.26 1.42 1.60 1.77 1.96 2.17 2.41 2.72 3.11 3.57 4.02 55 41 0.58 0.77 0.95 1.11 1.25 1.4_ 1.5_ 1.76 1.97 2.18 2.41 2.69 3.05 3.50 4.06 4.64 56 42 0.63 0.85 1.04 1.22 1.39 1.56 1.74 1.95 2.17 2.41 2.68 3.02 3.43 3.96 4.61 5.35 57 43 0.68 0.92 1.14 1.34 1.53 1.72 1.91 2.1_ 2.37 2.66 2.99 3.40 3.89 4.50 5.24 6.09 58 44 0.73 0.99 1.24 1.47 1.67 1.88 2.09 2.32 2.59 2.93 3.34 3.83 4.41 5.11 5.90 6.91 59 45 0.78 1.08 1.35 1.61 1.83 2.05 2.28 2.54 2.83 3.24 3.74 4.32 5.00 5.76 6.68 7.79 60 46 0.85 1.17 1.47 1.76 2.01 2.25 2.51 2.80 3.12 3.59 4.17 4.84 5.59 6.45 7.46 8.64 61 47 0.91 1.27 1.61 1.93 2.22 2.50 2.78 3.10 3.50 4.00 4.65 5.37 6.24 7.22 8.33 9.60 62 48 0.97 1.38 1.76 2.12 2.48 2.79 3.11 3.48 3.95 4.47 5.15 5.98 6.95 8.04 9.30 10.71 63 49 1.04 1.51 1.94 2.36 2.77 3.14 3.52 3.94 4.45 4.9_ 5.73 6.63 7.71 8.95 10.38 11.98 64 50 1.12 1.65 2.14 2.61 3.08 3.52 3.96 4.43 4.9_ 5.55 6.34 7.32 8.53 9.93 11.57 13.37 65 51 1.1_ 1._1 2.36 2.8_ 3.41 3.92 4.42 4.93 5.50 6.14 7.01 8.11 9.47 11.10 12.98 15.08 66 52 1.28 1.97 2.59 3.17 3.75 4.31 4.85 5.43 6.04 6.75 7.73 8.96 10.51 12.36 14.51 16.92 67 53 1.38 2.15 2.83 3.46 4.09 4.67 5.27 5.90 6.58 7.36 8.48 9.89 11.62 13.70 16.15 19.06 68 54 1.48 2.34 3.09 3.76 4.41 5.03 5.67 6.35 7.12 8.00 9.27 10.88 12.82 15.14 18.03 21.29 69 55 1.60 2.55 3.37 4.08 4.78 5.41 6.07 6.80 7.68 8.67 10.12 11.94 14.12 16.82 20.10 23.73 70 56 1.75 2.79 3.68 4.46 5.17 5.82 6.52 7.31 8.28 9.39 11.02 13.05 15.55 18.54 22.20 26.33 71 57 1.92 3.06 4.06 4.89 5.61 6.30 7.05 7.90 8.90 10.17 12.00 14.33 17.12 20.47 24.56 29.32 72 58 2.13 3.41 4.51 5.40 6.16 6.91 7.71 8.59 9.62 11.04 13.13 15.72 18.85 22.61 27.22 32.31 73 59 2.38 3.8_ 5.02 5.99 6.82 7.63 8.48 9.39 10.48 12.06 14.36 17.24 20.75 25.01 29.98 35.63 74 60 2.67 4.27 5.60 6.65 7.59 8.45 9.35 10.30 11.50 13.20 15.72 18.8_ 22.84 27.48 33.04 39.26 75 61 3.00 4.76 6.21 7.38 8.41 9.34 10.29 11.34 12.65 14.46 17.22 20.73 25.00 30.22 36.32 43.29 76 62 3.38 5.27 6.85 8.15 9.26 10.26 11.32 12.47 13.91 15.87 18.90 22.65 27.41 33.15 39.91 47.73 77 63 3.80 5.85 7.56 8.97 10.12 11.22 12.36 13.63 15.22 17.39 20.62 24.76 29.97 36.33 43.81 52.62 78 64 4.27 6.54 8.36 9.82 11.03 12.20 13.44 14.83 16.64 18.94 22.49 27.01 32.77 39.79 48.02 57.88 79 65 4.80 7.27 9.21 10.71 12.01 13.27 14.62 16.21 18.18 20.74 24.58 29.53 35.86 43.58 52.58 63.35 80 66 5.38 8.00 10.05 11.63 13.06 14.47 16.00 17.78 20.04 22.84 27.09 32.59 39.58 48.10 58.10 69.76 81 67 6.0_ 8.66 10.80 12.56 14.21 15.86 17.62 19.73 22.30 25.42 30.12 36.16 43.79 53.11 64.14 76.80 82 68 6.71 9.27 11.50 13.50 15.48 17.45 19.62 22.13 25.12 28.5_ 33.7_ 40.3_ 4_.58 58.66 70.71 84.41 83 69 7.47 9.89 12.18 14.48 16.83 19.30 21.97 25.03 28.51 32.37 38.07 45.13 53.94 64.72 77.81 93.12 84 70 8.30 10.49 12.86 15.44 18.29 21.34 24.69 28.40 32.44 36.73 43.00 50.53 59.86 71.31 85.49 10_.79 85 71 9.11 11.5_ 1_.13 16.95 20.03 23.37 27.04 31.09 35.50 40.20 47.05 55.26 65.44 77.94 93.39 112.25 86 72 10.02 12.66 15.51 18.57 21.95 25.60 29.60 34.02 38.86 43.99 51.46 60.43 71.53 85.16 102.01 122.57 87 73 10.99 13._9 16.98 20.32 24.00 27.9_ 32.35 37.19 42.46 4_.05 56.18 65.96 78.04 92.__ 111.21 134.42 88 74 11.85 14.95 18.27 21.86 25.82 30.09 34.79 39.98 45.63 51.62 60.34 70.80 83.75 99.64 119.96 145.00 89 75 12.54 15.80 19.31 23.10 27.27 31.78 36.73 42.20 48.14 54.44 63.62 74.62 88.23 105.49 127.02 153.59 90 1_0.80 91 168.13 92 17_.85 93 192.55 94
NON-SMOKER - FEMALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 1 0.53 0.33 0.25 0.20 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 16 2 0.34 0.26 0.21 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 0.35 17 3 0.26 0.21 0.19 0.16 0.15 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.25 0.30 0.35 0.40 18 4 0.21 0.19 0.16 0.15 0.13 0.12 0.12 0.11 0.12 0.15 0.19 0.25 0.30 0.36 0.40 0.43 19 5 0.19 0.17 0.15 0.13 0.12 0.12 0.12 0.12 0.16 0.19 0.25 0.30 0.36 0.40 0.43 0.44 20 6 0.17 0.15 0.14 0.12 0.12 0.12 0.12 0.16 0.20 0.25 0.31 0.36 0.40 0.44 0.44 0.40 21 7 0.16 0.14 0.12 0.12 0.12 0.13 0.16 0.20 0.25 0.31 0.36 0.41 0.44 0.45 0.41 0.39 22 8 0.14 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.36 0.41 0.44 0.45 0.42 0.40 0.38 23 9 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.43 0.41 0.39 0.38 24 10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.44 0.42 0.40 0.38 0.37 25 11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.45 0.43 0.41 0.39 0.37 0.36 26 12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.46 0.44 0.42 0.40 0.38 0.37 0.35 27 13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.48 0.45 0.43 0.41 0.39 0.37 0.35 0.36 28 14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.49 0.46 0.44 0.42 0.40 0.38 0.36 0.37 0.37 29 15 0.26 0.32 0.37 0.41 0.44 0.46 0.50 0.48 0.45 0.43 0.41 0.39 0.37 0.37 0.37 0.38 30 16 0.33 0.38 0.40 0.43 0.45 0.50 0.49 0.47 0.44 0.43 0.40 0.38 0.38 0.38 0.39 0.39 31 17 0.38 0.41 0.42 0.44 0.50 0.48 0.47 0.45 0.43 0.42 0.39 0.39 0.39 0.39 0.40 0.39 32 18 0.39 0.41 0.43 0.48 0.48 0.46 0.44 0.43 0.42 0.41 0.39 0.39 0.40 0.40 0.40 0.38 33 19 0.38 0.41 0.45 0.46 0.45 0.43 0.42 0.41 0.40 0.39 0.37 0.39 0.39 0.40 0.40 0.39 34 20 0.36 0.42 0.43 0.43 0.42 0.39 0.39 0.38 0.38 0.38 0.37 0.38 0.39 0.40 0.40 0.40 35 21 0.36 0.40 0.41 0.40 0.39 0.36 0.36 0.36 0.36 0.37 0.37 0.38 0.39 0.40 0.41 0.41 36 22 0.34 0.38 0.40 0.39 0.38 0.36 0.36 0.35 0.36 0.37 0.37 0.38 0.39 0.41 0.42 0.43 37 23 0.34 0.37 0.39 0.38 0.37 0.36 0.35 0.35 0.36 0.37 0.38 0.39 0.41 0.43 0.44 0.47 38 24 0.32 0.36 0.38 0.38 0.37 0.36 0.36 0.36 0.37 0.38 0.40 0.41 0.43 0.46 0.48 0.52 39 25 0.31 0.34 0.37 0.37 0.38 0.37 0.37 0.37 0.39 0.41 0.42 0.44 0.47 0.51 0.54 0.57 40 26 0.30 0.33 0.36 0.37 0.38 0.38 0.38 0.39 0.41 0.43 0.45 0.48 0.52 0.56 0.60 0.63 41 27 0.30 0.33 0.35 0.37 0.38 0.39 0.40 0.42 0.44 0.47 0.49 0.53 0.57 0.62 0.66 0.69 42 28 0.31 0.33 0.36 0.38 0.40 0.41 0.43 0.45 0.48 0.52 0.55 0.59 0.63 0.69 0.73 0.77 43 29 0.33 0.35 0.37 0.39 0.42 0.44 0.47 0.50 0.53 0.59 0.62 0.66 0.71 0.76 0.80 0.85 44 30 0.34 0.37 0.40 0.42 0.45 0.48 0.51 0.55 0.60 0.66 0.70 0.74 0.78 0.84 0.89 0.95 45 31 0.35 0.38 0.41 0.44 0.48 0.52 0.55 0.60 0.66 0.73 0.77 0.81 0.87 0.93 0.99 1.06 46 32 0.36 0.40 0.43 0.47 0.51 0.55 0.60 0.66 0.73 0.80 0.84 0.90 0.96 1.03 1.11 1.09 47 33 0.36 0.40 0.45 0.49 0.54 0.59 0.66 0.72 0.79 0.87 0.93 0.99 1.07 1.16 1.25 1.34 48 34 0.35 0.41 0.46 0.52 0.58 0.65 0.71 0.78 0.86 0.95 1.02 1.09 1.19 1.30 1.39 1.51 49 35 0.36 0.42 0.49 0.56 0.63 0.70 0.77 0.85 0.94 1.03 1.11 1.21 1.33 1.45 1.56 1.70 50 36 0.35 0.43 0.51 0.59 0.67 0.74 0.83 0.91 1.01 1.11 1.21 1.32 1.44 1.58 1.71 1.87 51 37 0.36 0.45 0.54 0.63 0.71 0.80 0.89 0.98 1.08 1.20 1.31 1.42 1.56 1.72 1.88 2.03 52 38 0.37 0.47 0.58 0.67 0.77 0.85 0.95 1.06 1.17 1.30 1.40 1.53 1.68 1.87 2.06 2.24 53 39 0.39 0.51 0.62 0.72 0.82 0.92 1.02 1.14 1.26 1.39 1.51 1.64 1.81 2.02 2.26 2.47 54 40 0.42 0.55 0.67 0.78 0.88 0.98 1.09 1.22 1.35 1.49 1.61 1.76 1.95 2.20 2.48 2.75 55 41 0.45 0.59 0.73 0.85 0.96 1.07 1.19 1.32 1.47 1.62 1.76 1.92 2.14 2.41 2.74 3.07 56 42 0.48 0.64 0.78 0.92 1.04 1.16 1.29 1.43 1.59 1.76 1.92 2.11 2.35 2.66 3.03 3.44 57 43 0.50 0.68 0.84 0.98 1.12 1.25 1.3_ 1.54 1.70 1.91 2.10 2.33 2.60 2.93 3.34 3.79 58 44 0.53 0.72 0.90 1.06 1.20 1.33 1.48 1.64 1.82 2.07 2.30 2.56 2.88 3.25 3.65 4.16 59 45 0.56 0.76 0.95 1.13 1.28 1.43 1.59 1.76 1.96 2.24 2.52 2.83 3.18 3.56 4.00 4.52 60 46 0.52 0.81 1.01 1.21 1.38 1.54 1.71 1.90 2.12 2.44 2.76 3.13 3.53 3.96 4.46 5.02 61 47 0.62 0.86 1.08 1.30 1.49 1.67 1.86 2.07 2.34 2.67 3.04 3.44 3.90 4.40 4.96 5.57 62 48 0.65 0.91 1.16 1.40 1.63 1.83 2.04 2.28 2.59 2.93 3.32 3.77 4.29 4.87 5.51 6.22 63 49 0.68 0.98 1.25 1.52 1.78 2.02 2.26 2.53 2.86 3.20 3.62 4.12 4.71 5.38 6.13 6.95 64 50 0.71 1.04 1.35 1.65 1.94 2.22 2.50 2.80 3.12 3.49 3.94 4.49 5.15 5.92 6.80 7.76 65 51 0.76 1.14 1.49 1.82 2.15 2.48 2.79 3.12 3.47 3.87 4.34 4.94 5.6_ 6.55 7.55 8.64 66 52 0.81 1.25 1.64 2.01 2.37 2.73 3.08 3.44 3.81 4.25 4.77 5.44 6.26 7.24 8.36 9.58 67 53 0.88 1.36 1.80 2.20 2.60 2.97 3.34 3.73 4.15 4.63 5.22 5.97 6.88 7.96 9.20 10.58 68 54 0.25 1.49 1.97 2.40 2.81 3.20 3.59 4.01 4.49 5.03 5.70 6.54 7.54 8.72 10.09 11.58 69 55 1.02 1.63 2.15 2.61 3.04 3.44 3.85 4.30 4.84 5.45 6.21 7.15 8.26 9.54 11.06 12.64 70 56 1.12 1.78 2.36 2.85 3.30 3.70 4.13 4.62 5.21 5.90 6.76 7.81 9.03 10.45 12.12 13.91 71 57 1.23 1.97 2.60 3.12 3.58 4.00 4.47 4.9_ 5.61 6.39 7.36 8.53 9.88 11.44 13.29 15.33 72 58 1.37 2.19 2.89 3.45 3.92 4.39 4.88 5.43 6.06 6.94 8.01 9.30 10.80 12.54 14.59 16.97 73 59 1.53 2.45 3.22 3.82 4.34 4.84 5.37 5.93 6.60 7.54 8.71 10.13 11.80 13.75 16.13 18.78 74 60 1.72 2.74 3.52 4.24 4.83 5.37 5.92 6.51 7.22 8.21 9.47 11.02 12.88 15.16 17.84 20.79 75 61 1.93 3.05 3.98 4.71 5.35 5.93 6.51 7.14 7.90 8.95 10.35 12.09 14.30 16.96 20.05 23.53 76 62 2.17 3.38 4.3_ 5.20 5.89 6.51 7.14 7.81 8.64 9.76 11.32 13.34 15.88 18.74 22.51 26.60 77 63 2.44 3.75 4.83 5.72 6.44 7.10 7.77 8.50 9.41 10.62 12.42 14.71 17.61 21.13 25.23 29.84 78 64 2.75 4.19 5.35 6.26 7.01 7.70 8.41 9.21 10.21 11.59 13.61 16.20 19.51 23.54 28.04 33.38 79 65 3.09 4.66 5.32 6.82 7.61 8.35 9.11 10.00 11.17 12.70 14.95 17.89 21.43 26.0_ _1.12 37.15 80 66 3.46 5.13 6.42 7.39 8.25 9.06 9.92 10.98 12.32 14.00 16.60 19.97 24.13 29.18 35.07 41.87 81 67 3.87 5.55 6.89 7.96 8.94 9.88 10.93 12.18 13.72 15.60 18.57 22.29 26.98 32._0 39.43 4_.14 82 68 4.32 5.94 7.32 8.54 9.70 10.87 12.16 13.66 15.46 17.56 20.86 25.01 30.24 36.61 44.23 52.92 83 69 4.80 6.32 7.74 9.11 10.53 12.01 13.61 15.45 17.55 19.81 23.54 28.14 33.89 40.93 49.52 59.56 84 70 5.32 6.69 8.14 9.71 11.42 13.27 15.29 17.53 19.90 22.39 26.61 31.67 37.95 45.69 55.28 67.02 85 71 5.84 7.33 8.22 10.63 12.50 14.51 16.73 19.12 21.69 24.41 29.19 34.96 42.12 50.95 61.92 75.39 86 72 6.40 8.04 9.77 11.63 13.67 15.88 18.25 20.84 23.66 26.60 32.03 38.59 46.73 56.79 69.32 84.72 87 73 7.00 8.78 10.67 12.70 14.93 17.30 19.87 22.70 25.74 28.94 35.09 42.50 51.74 63.17 77.41 95.63 88 74 7.53 9.43 11.45 13.63 16.00 18.53 21.29 24.30 27.56 30.98 37.79 46.05 56.34 69.09 85.55 10_.10 89 75 7.93 9.94 12.07 14.35 16.83 19.50 22.38 25.55 28.97 32.55 39.98 49.00 60.23 74.62 92.79 115.51 90 1_0.74 91 1_6.11 92 133.31 93 14_.25 94
SMOKER - MALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 3.25 0.73 0.46 0.35 0.28 0.25 0.21 0.20 0.18 0.16 0.18 0.21 0.25 0.35 0.47 0.65 15 1 0.78 0.48 0.37 0.30 0.26 0.23 0.21 0.19 0.17 0.17 0.19 0.23 0.32 0.43 0.60 0.78 16 2 0.51 0.39 0.31 0.28 0.24 0.22 0.20 0.18 0.18 0.18 0.22 0.30 0.40 0.56 0.73 0.91 17 3 0.41 0.33 0.29 0.25 0.23 0.21 0.19 0.19 0.19 0.20 0.28 0.38 0.53 0.68 0.85 1.02 18 4 0.35 0.31 0.27 0.24 0.22 0.20 0.19 0.20 0.21 0.27 0.36 0.50 0.64 0.80 0.96 1.10 19 5 0.33 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.35 0.48 0.61 0.76 0.91 1.04 1.12 20 6 0.30 0.27 0.24 0.22 0.21 0.21 0.23 0.29 0.36 0.46 0.59 0.73 0.87 0.99 1.06 1.15 21 7 0.28 0.25 0.23 0.22 0.22 0.24 0.30 0.37 0.48 0.58 0.71 0.84 0.95 1.02 1.16 1.12 22 8 0.26 0.24 0.23 0.23 0.25 0.31 0.39 0.50 0.60 0.70 0.82 0.93 0.99 1.19 1.13 1.10 23 9 0.25 0.24 0.24 0.25 0.32 0.40 0.51 0.62 0.73 0.82 0.92 0.97 1.22 1.16 1.11 1.09 24 10 0.25 0.25 0.26 0.33 0.41 0.53 0.64 0.75 0.84 0.92 0.96 1.25 1.19 1.14 1.10 1.07 25 11 0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 1.28 1.22 1.17 1.13 1.08 1.06 26 12 0.2_ 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 1.31 1.25 1.20 1.16 1.11 1.07 1.03 27 13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 1.29 1.27 1.23 1.19 1.14 1.10 1.04 1.06 28 14 0.43 0.56 0.67 0.79 0.88 0.96 0.98 1.28 1.26 1.25 1.22 1.16 1.13 1.07 1.07 1.08 29 15 0.55 0.67 0.78 0.87 0.94 0.98 1.28 1.24 1.23 1.23 1.19 1.15 1.09 1.10 1.09 1.10 30 16 0.65 0.75 0.81 0.86 0.90 1.24 1.24 1.22 1.21 1.22 1.17 1.12 1.13 1.12 1.12 1.13 31 17 0.71 0.77 0.80 0.83 1.21 1.20 1.20 1.19 1.19 1.20 1.15 1.16 1.15 1.15 1.14 1.12 32 18 0.68 0.73 0.76 1.14 1.18 1.15 1.15 1.15 1.16 1.17 1.12 1.14 1.15 1.16 1.14 1.11 33 19 0.63 0.68 1.06 1.09 1.10 1.07 1.08 1.08 1.10 1.13 1.09 1.13 1.15 1.16 1.13 1.11 34 20 0.56 0.96 1.01 1.02 1.03 0.98 1.01 1.01 1.05 1.09 1.06 1.11 1.13 1.14 1.13 1.12 35 21 0.81 0.91 0.96 0.96 0.95 0.91 0.95 0.96 1.00 1.06 1.06 1.09 1.11 1.13 1.15 1.16 36 22 0.76 0.86 0.92 0.92 0.91 0.89 0.91 0.93 0.98 1.04 1.06 1.08 1.11 1.14 1.17 1.20 37 23 0.73 0.82 0.89 0.89 0.89 0.88 0.90 0.93 0.98 1.05 1.07 1.09 1.14 1.18 1.21 1.31 38 24 0.69 0.78 0.84 0.87 0.88 0.88 0.91 0.95 1.00 1.06 1.11 1.12 1.19 1.24 1.33 1.44 39 25 0.66 0.73 0.82 0.85 0.88 0.90 0.93 0.97 1.03 1.10 1.15 1.19 1.27 1.38 1.46 1.59 40 26 0.63 0.71 0.79 0.83 0.89 0.92 0.96 1.01 1.07 1.15 1.21 1.28 1.39 1.52 1.63 1.77 41 27 0.63 0.69 0.77 0.84 0.91 0.96 1.00 1.06 1.13 1.22 1.29 1.41 1.54 1.69 1.82 1.97 42 28 0.64 0.71 0.79 0.87 0.94 1.00 1.06 1.13 1.22 1.32 1.43 1.55 1.70 1.87 2.02 2.20 43 29 0.67 0.74 0.82 0.90 0.99 1.06 1.14 1.22 1.32 1.47 1.59 1.72 1.8_ 2.06 2.24 2.47 44 30 0.72 0.79 0.88 0.96 1.05 1.14 1.22 1.33 1.47 1.64 1.77 1.92 2.09 2.29 2.49 2.78 45 31 0.76 0.85 0.93 1.03 1.1_ 1.23 1.33 1.47 1.64 1.83 1.98 2.14 2.33 2.56 2.79 3.10 46 32 0.79 0.90 1.00 1.09 1.20 1.32 1.47 1.63 1.82 2.03 2.20 2.39 2.61 2.86 3.12 3.48 47 33 0.81 0.93 1.04 1.17 1.30 1.45 1.62 1.80 2.01 2.25 2.44 2.66 2.93 3.21 3.51 3.89 48 34 0.82 0.96 1.10 1.25 1.42 1.59 1.78 1.99 2.21 2.47 2.71 2.97 3.27 3.61 3.92 4.37 49 35 0.83 1.00 1.17 1.36 1.54 1.75 1.95 2.18 2.44 2.72 2.99 3.29 3.64 4.02 4.38 4.91 50 36 0.85 1.07 1.28 1.50 1.72 1.94 2.19 2.44 2.73 3.04 3.33 3.67 4.06 4.49 4.89 5.44 51 37 0.91 1.16 1.40 1.67 1.92 2.17 2.44 2.74 3.06 3.39 3.71 4.07 4.50 4.97 5.43 5.96 52 38 0.99 1.28 1.58 1.87 2.16 2.43 2.73 3.08 3.41 3.78 4.11 4.50 4.95 5.47 5.99 6.59 53 39 1.09 1.44 1.78 2.10 2.41 2.73 3.06 3.42 3.81 4.19 4.55 4.95 5.43 6.00 6.64 7.30 54 40 1.22 1.62 2.00 2.37 2.70 3.04 3.41 3.80 4.21 4.65 5.01 5.43 5.94 6.60 7.35 8.13 55 41 1.34 1.81 2.25 2.65 3.02 3.38 3.76 4.19 4.65 5.12 5.52 5.98 6.59 7.34 8.21 9.23 56 42 1.47 2.00 2.49 2.94 3.33 3.73 4.14 4.61 5.10 5.62 6.07 6.64 7.33 8.17 9.17 10.45 57 43 1.60 2.1_ 2.73 3.22 3.66 4.08 4.53 5.01 5.53 6.12 6.70 7.38 8.16 9.10 10.23 11.68 58 44 1.74 2.38 2.97 3.51 3.98 4.44 4.91 5.42 5.95 6.67 7.38 8.18 9.09 10.15 11.33 12.95 59 45 1.89 2.58 3.23 3.82 4.33 4.82 5.32 5.84 6.43 7.27 8.11 9.06 10.12 11.25 12.51 14.26 60 46 2.0_ 2.78 3.4_ 4.16 4.73 5.25 5.78 6.36 7.01 7.92 8.88 9.96 11.11 12.31 13.66 15.50 61 47 2.17 3.01 3.80 4.53 5.19 5.74 6.32 6.96 7.73 8.68 9.73 10.87 12.12 13.46 14.95 16.88 62 48 2.31 3.27 4.15 4.96 5.71 6.36 6.99 7.69 8.56 9.52 10.60 11.81 13.19 14.70 16.37 18.47 63 49 2.47 3.54 4.52 5.43 6.30 7.04 7.76 8.54 9.47 10.42 11.51 12.80 14.33 16.03 17.90 20.24 64 50 2.62 3.85 4.92 5.94 6.91 7.77 8.59 9.44 10.37 11.34 12.46 13.86 15.55 17.44 19.54 22.12 65 51 2.78 4.15 5.36 6.47 7.52 8.50 9.41 10.32 11.23 12.27 13.50 15.05 16.93 19.09 21.47 24.41 66 52 2.95 4.49 5.81 7.00 8.12 9.18 10.16 11.10 12.07 13.22 14.58 16.30 18.40 20.81 23.50 26.81 67 53 3.13 4.82 6.25 7.51 8.70 9.78 10.77 11.79 12.89 14.13 15.68 17.61 19.92 22.58 25.59 29.52 68 54 3.33 5.16 6.6_ 8.02 9.24 10.29 11.32 12.43 13.67 15.05 16.80 18.97 21.51 24.42 27.92 32.22 69 55 3.54 5.52 7.17 8.55 9.76 10.81 11.88 13.05 14.45 15.98 17.96 20.39 23.19 26.52 30.42 35.08 70 56 3.79 5.93 7.70 9.11 10.33 11.40 12.51 13.75 15.25 16.94 19.14 21.80 24.95 28.57 32.8_ 38.00 71 57 4.09 6.42 8.29 9.77 10.99 12.10 13.27 14.55 16.07 17.97 20.39 23.41 26.85 30.81 35.44 41.28 72 58 4.46 6.98 9.00 10.56 11.81 12.99 14.20 15.50 16.99 19.09 21.81 25.10 28.89 33.23 38.33 44.35 73 59 4.87 7.63 9.84 11.49 12.83 14.06 15.30 16.59 18.11 20.38 23.31 26.87 31.03 35.86 41.16 47.66 74 60 5.33 8.37 10.75 12.51 13.98 15.25 16.51 17.81 19.44 21.79 24.93 28.74 33.32 38.41 44.19 51.4_ 75 61 5.88 9.13 11.69 13.60 15.18 16.49 17.78 19.16 20.88 23.33 26.65 30.78 35.57 41.15 47.63 55.63 76 62 6.48 9.91 12.62 14.72 16.35 17.74 19.12 20.58 22.43 24.99 28.55 32.80 38.00 44.26 51.28 60.07 77 63 7.14 10.78 13.64 15.84 17.48 18.95 20.40 21.98 23.96 26.71 30.36 34.93 40.73 47.54 55.13 64.83 78 64 7.87 11.80 14.76 16.96 18.64 20.14 21.67 23.35 25.55 28.37 32.27 37.34 43.63 50.99 59.15 69.77 79 65 8.66 12.84 15.92 18.09 19.83 21.40 23.01 24.89 27.23 30.27 34.57 40.02 46.77 54.65 63.39 74.70 80 66 9.50 13.82 16.98 19.19 21.07 22.78 24.58 26.63 29.25 32.68 37.34 43.25 50.53 59.04 68.51 80.42 81 67 10.40 14.63 17.84 20.26 22.38 24.36 26.39 28.79 31.90 35.62 40.66 46.97 54.71 63.77 73.94 86.50 82 68 11.34 15.31 18.54 21.26 23.77 26.13 28.62 31.65 35.21 39.25 44.65 51.27 59.37 68.85 79.64 92.85 83 69 12.34 15.95 19.18 22.23 25.20 28.16 31.43 35.07 39.14 43.51 49.24 56.12 64.44 74.23 85.60 99.98 84 70 13.38 16.51 19.76 23.12 26.68 30.52 34.60 38.98 43.60 48.31 54.39 61.42 69.87 79.87 91.78 107.64 85 71 14.35 17.71 21.16 24.73 28.66 32.75 37.11 41.78 46.69 51.72 58.18 65.64 74.60 85.19 97.8_ 114.60 86 72 15.39 18.97 22.63 26.57 30.76 35.14 39.78 44.75 49.99 55.32 62.18 70.10 79.58 90.80 104.13 122.57 87 73 16.45 20.26 24.28 28.48 32.95 37.61 42.55 47.84 53.39 59.04 66.30 74.67 84.70 96.53 111.21 134.42 88 74 17.30 21.39 25.60 30.01 34.70 39.58 44.75 50.28 56.07 61.95 69.49 78.19 88.60 100.88 119.96 145.00 89 75 17.93 22.15 26.50 31.04 35.86 40.88 46.19 51.85 57.78 63.76 71.47 80.34 90.93 105.49 127.02 153.59 90 160.80 91 168.13 92 177.85 93 192.55 94
SMOKER - FEMALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 2.32 0.52 0.33 0.25 0.20 0.18 0.15 0.14 0.13 0.11 0.11 0.11 0.12 0.15 0.19 0.24 15 1 0.53 0.33 0.25 0.20 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 16 2 0.34 0.26 0.21 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 0.35 17 3 0.26 0.21 0.19 0.16 0.15 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.25 0.30 0.35 0.40 18 4 0.21 0.19 0.16 0.15 0.13 0.12 0.12 0.11 0.12 0.15 0.19 0.25 0.30 0.36 0.40 0.43 19 5 0.1_ 0.17 0.15 0.13 0.12 0.12 0.12 0.12 0.16 0.19 0.25 0.30 0.36 0.40 0.43 0.44 20 6 0.17 0.15 0.14 0.12 0.12 0.12 0.12 0.16 0.20 0.25 0.31 0.36 0.40 0.44 0.44 0.81 21 7 0.16 0.14 0.12 0.12 0.12 0.13 0.16 0.20 0.25 0.31 0.36 0.41 0.44 0.45 0.81 0.79 22 8 0.14 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.36 0.41 0.44 0.45 0.83 0.79 0.77 23 9 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.85 0.81 0.77 0.75 24 10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.86 0.83 0.79 0.76 0.73 25 11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.88 0.84 0.81 0.78 0.74 0.72 26 12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.89 0.86 0.82 0.79 0.76 0.73 0.70 27 13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.88 0.87 0.84 0.81 0.77 0.75 0.70 0.72 28 14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.88 0.86 0.85 0.82 0.79 0.76 0.72 0.73 0.73 29 15 0.26 0.32 0.37 0.41 0.44 0.46 0.87 0.85 0.84 0.83 0.81 0.78 0.74 0.74 0.74 0.76 30 16 0.33 0.38 0.40 0.43 0.45 0.86 0.85 0.84 0.82 0.82 0.79 0.75 0.76 0.76 0.76 0.78 31 17 0.38 0.41 0.42 0.44 0.83 0.83 0.82 0.81 0.80 0.80 0.77 0.78 0.78 0.79 0.78 0.78 32 18 0.39 0.41 0.43 0.79 0.81 0.79 0.78 0.78 0.78 0.78 0.75 0.77 0.79 0.79 0.79 0.77 33 19 0.38 0.41 0.74 0.75 0.76 0.73 0.73 0.73 0.74 0.75 0.73 0.76 0.78 0.80 0.78 0.78 34 20 0.36 0.67 0.70 0.71 0.70 0.67 0.68 0.68 0.70 0.73 0.72 0.75 0.77 0.79 0.79 0.79 35 21 0.57 0.63 0.66 0.66 0.65 0.62 0.64 0.65 0.67 0.71 0.72 0.75 0.77 0.79 0.81 0.82 36 22 0.55 0.62 0.66 0.65 0.64 0.63 0.64 0.65 0.69 0.73 0.75 0.76 0.79 0.82 0.85 0.88 37 23 0.55 0.61 0.66 0.65 0.65 0.64 0.66 0.68 0.71 0.76 0.78 0.80 0.83 0.87 0.90 0.97 38 24 0.53 0.60 0.65 0.66 0.67 0.67 0.68 0.71 0.76 0.81 0.84 0.85 0.90 0.94 1.00 1.08 39 25 0.52 0.58 0.64 0.67 0.70 0.70 0.73 0.77 0.81 0.86 0.90 0.93 0.99 1.06 1.12 1.21 40 26 0.52 0.58 0.64 0.68 0.72 0.75 0.78 0.82 0.87 0.93 0.98 1.03 1.10 1.19 1.26 1.34 41 27 0.53 0.58 0.65 0.70 0.76 0.80 0.84 0.89 0.95 1.03 1.08 1.15 1.24 1.34 1.41 1.49 42 28 0.56 0.62 0.68 0.75 0.81 0.87 0.91 0.98 1.05 1.15 1.21 1.30 1.39 1.49 1.57 1.67 43 29 0.60 0.66 0.73 0.81 0.8_ 0.94 1.01 1.09 1.18 1.32 1.39 1.47 1.56 1.66 1.75 1.87 44 30 0.66 0.73 0.81 0.88 0.96 1.05 1.12 1.23 1.36 1.51 1.59 1.67 1.75 1.86 1.95 2.09 45 31 0.70 0.79 0.86 0.95 1.03 1.13 1.23 1.35 1.51 1.68 1.76 1.85 1.95 2.07 2.17 2.33 46 32 0.74 0.83 0.92 1.01 1.11 1.22 1.35 1.50 1.68 1.86 1.95 2.06 2.18 2.31 2.42 2.61 47 33 0.75 0.86 0.96 1.08 1.20 1.34 1.49 1.65 1.84 2.05 2.16 2.29 2.43 2.58 2.72 2.91 48 34 0.76 0.89 1.02 1.15 1.31 1.47 1.64 1.82 2.02 2.25 2.39 2.54 2.71 2.89 3.03 3.26 49 35 0.77 0.93 1.08 1.26 1.43 1.61 1.79 1.99 2.22 2.47 2.63 2.80 3.00 3.20 3.37 3.66 50 36 0.77 0.96 1.15 1.34 1.54 1.73 1.94 2.16 2.40 2.66 2.83 3.03 3.25 3.49 3.69 3.99 51 37 0.80 1.01 1.22 1.45 1.67 1.87 2.10 2.35 2.60 2.86 3.06 3.26 3.51 3.78 4.02 4.30 52 38 0.84 1.08 1.33 1.57 1.80 2.03 2.27 2.54 2.80 3.0_ 3.27 3.49 3.76 4.06 4.34 4.67 53 39 0.8_ 1.18 1.45 1.70 1.95 2.19 2.45 2.72 3.01 3.30 3.50 3.73 4.02 4.34 4.71 5.08 54 40 0.96 1.28 1.56 1.85 2.10 2.35 2.62 2.91 3.21 3.52 3.73 3.97 4.27 4.67 5.11 5.56 55 41 1.04 1.39 1.73 2.03 2.29 2.55 2.83 3.14 3.47 3.81 4.03 4.28 4.62 5.05 5.54 6._2 56 42 1.12 1.51 1.87 2.20 2.48 2.76 3.05 3.38 3.74 4.11 4.34 4.65 5.02 5.48 6.02 6.71 57 43 1.19 1.62 2.01 2.35 2.67 2.96 3.27 3.61 3.9_ 4.40 4.70 5.05 5.45 5.94 6.53 7.27 58 44 1.27 1.73 2.14 2.52 2.84 3.15 3.48 3.83 4.20 4.70 5.07 5.47 5.93 6.46 7.01 7.79 59 45 1.34 1.83 2.27 2.68 3.02 3.36 3.70 4.05 4.46 5.04 5.46 5.93 6.44 6.96 7.50 8.28 60 46 1.41 1.92 2.40 2.85 3.24 3.59 3.94 4.33 4.77 5.39 5.89 6.45 7.01 7.56 8.16 9.01 61 47 1.47 2.04 2.56 3.05 3.48 3.85 4.23 4.65 5.16 5.79 6.36 6.95 7.57 8.20 8.90 9.81 62 48 1.54 2.16 2.74 3.26 3.75 4.17 4.59 5.04 5.61 6.25 6.82 7.45 8.15 8.90 9.70 10.72 63 49 1.60 2.29 2.92 3.50 4.06 4.53 4.99 5.49 6.10 6.70 7.2_ 7.95 8.76 9.63 10.57 11.74 64 50 1.67 2.44 3.11 3.75 4.36 4.90 5.42 5.96 6.54 7.14 7.7_ 8.49 9.39 10.39 11.48 12.84 65 51 1.77 2.63 3.39 4.09 4.76 5.37 5.96 6.53 7.09 7.72 8.36 9.18 10.15 11.27 12.49 13.99 66 52 1.88 2.85 3.69 4.44 5.15 5.83 6.44 7.02 7.61 8.32 9.01 9.89 10.96 12.19 13.53 15.17 67 53 1.99 3.07 3.97 4.77 5.53 6.21 6.83 7.45 8.13 8.89 9.66 10.63 11.80 13.12 14.58 16.38 68 54 2.12 3.29 4.26 5.11 5.89 6.54 7.18 7.86 8.62 9.46 10.32 11.41 12.66 14.06 15.63 17.53 69 55 2.26 3.53 4.58 5.46 6.22 6.87 7.53 8.25 9.11 10.04 11.02 12.21 13.55 15.05 16.74 18.69 70 56 2.43 3.80 4.93 5.82 6.58 7.25 7.93 8.69 9.61 10.65 11.74 13.05 14.50 16.10 17.91 20.07 71 57 2.63 4.12 5.31 6.24 7.00 7.69 8.40 9.19 10.12 11.29 12.50 13.93 15.50 17.22 19.18 21.58 72 58 2.8_ 4.48 5.76 6.75 7.53 8.25 8.99 9.79 10.71 11.99 13.30 14.85 16.56 18.43 20.54 23.29 73 59 3.13 4.90 6.30 7.34 8.17 8.93 9.69 10.48 11.40 12.75 14.14 15.79 17.65 19.71 22.15 25.12 74 60 3.43 5.37 6.88 7.99 8.90 9.6_ 10.46 11.24 12.19 13.56 15.03 16.77 18.79 21.19 23.86 27.25 75 61 3.78 5.86 7.48 8.68 9.66 10.47 11.26 12.05 13.05 14.43 16.03 17.95 20.35 23.10 26.29 30.23 76 62 4.17 6.35 8.07 9.39 10.41 11.26 12.07 12.90 13.93 15.37 17.10 19.32 22.02 25.29 28.93 33.48 77 63 4.59 6.92 8.72 10.11 11.12 12.00 12.84 13.71 14.81 16.32 18.29 20.76 23.93 27.64 31.76 36.77 78 64 5.06 7.57 9.44 10.82 11.83 12.72 13.57 14.50 15.69 17.36 19.53 22.40 25.98 30.15 34.55 40.25 79 65 5.57 8.24 10.18 11.52 12.56 13.46 14.35 15.36 16.73 18.53 21.03 24.23 28.21 32.65 37.52 43.80 80 66 6.11 8.86 10.85 12.20 13.30 14.27 15.24 16.44 17.98 20.03 22.88 26.50 30.81 35.82 41.35 48.27 81 67 6.68 9.38 11.38 12.85 14.08 15.18 16.36 17.77 19.62 21.86 25.07 28.96 33.72 39.26 45.45 53.09 82 68 7.29 9.80 11.80 13.44 14.89 16.28 17.74 19.54 21.67 24.10 27.56 31.80 36.95 42.97 49.83 58.21 83 69 7.93 10.20 12.18 14.00 15.77 17.52 19.47 21.65 24.10 26.62 30.44 35.00 40.48 46.95 54.47 6_.95 84 70 8.59 10.53 12.50 14.54 16.67 18.97 21.43 24.06 26.74 29.45 33.66 38.50 44.30 51.17 59.34 70.18 85 71 9.20 11.27 13.36 15.51 17.88 20.34 22.97 25.69 28.53 31.41 36.10 41.53 48.03 55.70 64.84 76.96 86 72 9.84 12.03 14.26 16.63 19.16 21.80 24.53 27.42 30.44 33.46 38.70 44.76 51.99 60.56 70.7_ 84.72 87 73 10.49 12.81 15.26 17.80 20.50 23.25 26.13 29.20 32.37 35.57 41.40 48.13 56.15 65.65 77.41 95.63 88 74 10.98 13.49 16.05 18.71 21.50 24.37 27.38 30.56 33.86 37.18 43.53 50.85 59.61 69.96 85.5_ 10_.10 89 75 11.35 13.93 16.57 19.29 22.14 25.08 28.15 31.40 34.76 38.13 44.91 52.75 62.07 74.62 92.79 115.51 90 120.74 91 ___.11 92 __3.31 93 _44.25 94
VANGUARD 100 SERIES - 134 OCCIDENTAL REINSURANCE OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE SMOKER MALE - ANB POLICY FEE $12.50
POLICY YEAR ISSUE ------------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- ----- ---- -------- 0 7.63 1.90 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .88 1.12 15 ------------------------------------------------------------------------------------------------------------------ 1 1.90 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.12 1.39 16 2 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.39 1.69 17 3 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.69 1.99 18 ------------------------------------------------------------------------------------------------------------------ 4 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 1.99 2.26 19 5 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.26 2.42 20 ------------------------------------------------------------------------------------------------------------------ 6 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.42 2.48 21 7 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.48 2.53 22 8 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.53 2.60 23 ------------------------------------------------------------------------------------------------------------------ 9 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.60 2.69 24 10 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.69 2.76 25 ------------------------------------------------------------------------------------------------------------------ 11 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.76 2._6 26 12 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.78 2.66 2.52 27 13 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.78 2.__ 2.52 2.5_ 28 ------------------------------------------------------------------------------------------------------------------ 14 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.79 2.69 2.54 2.5_ 2.57 29 15 1.11 1.39 1.68 1.96 2.21 2.40 2.50 2.56 2.63 2.70 2.79 2.69 2.54 2.58 2.57 2._0 30 ------------------------------------------------------------------------------------------------------------------ 16 1.39 1.68 1.89 2.12 2.31 2.46 2.56 2.63 2.70 2.79 2.66 2.54 2.58 2.59 2.60 2.62 31 17 1.66 1.87 2.05 2.21 2.40 2.50 2.59 2.68 2.76 2.66 2.54 2.58 2.59 2.62 2.62 2.58 32 18 1.76 1.96 2.12 2.28 2.45 2.50 2.58 2.69 2.62 2.54 2.45 2.51 2.56 2.61 2.58 2.56 33 ------------------------------------------------------------------------------------------------------------------ 19 1.78 1.99 2.15 2.29 2.41 2.45 2.55 2.48 2.43 2.41 2.34 2.44 2.51 2.57 2.56 2.58 34 20 1.74 1.97 2.14 2.26 2.36 2.36 2.34 2.27 2.28 2.30 2.25 2.37 2.43 2.53 2.58 2.62 35 ------------------------------------------------------------------------------------------------------------------ 21 1.69 1.95 2.13 2.22 2.28 2.13 2.14 2.12 2.15 2.19 2.21 2.30 2.40 2.51 2.62 2.73 36 22 1.66 1.93 2.13 2.21 2.13 2.03 2.01 2.00 2.05 2.11 2.17 2.25 2.38 2.54 2.71 2.88 37 23 1.67 1.92 2.14 2.08 2.03 1.95 1.94 1.95 1.99 2.07 2.16 2.26 2.44 2.65 2.83 3.06 38 ------------------------------------------------------------------------------------------------------------------ 24 1.64 1.90 1.99 1.98 1.95 1.90 1.88 1.91 1.97 2.07 2.20 2.31 2.55 2.80 3.02 3.28 39 25 1.64 1.76 1.87 1.88 1.90 1.86 1.87 1.92 1.99 2.10 2.26 2.45 2.72 3.01 3.24 3.54 40 ------------------------------------------------------------------------------------------------------------------ 26 1.54 1.66 1.77 1.80 1.85 1.86 1.88 1.94 2.02 2.15 2.36 2.60 2.87 3.19 3.46 3.75 41 27 1.50 1.59 1.69 1.76 1.83 1.87 1.92 1.99 2.10 2.27 2.49 2.75 3.05 3.40 3.69 3.97 42 28 1.50 1.58 1.68 1.76 1.84 1.91 1.98 2.08 2.23 2.42 2.65 2.92 3.23 3.60 3.89 4.21 43 ------------------------------------------------------------------------------------------------------------------ 29 1.52 1.60 1.68 1.78 1.89 1.97 2.07 2.21 2.38 2.61 2.85 3.11 3.44 3.80 4.11 4.47 44 30 1.56 1.64 1.74 1.83 1.94 2.06 2.19 2.36 2.57 2.80 3.06 3.33 3.65 4.01 4.34 4.75 45 ------------------------------------------------------------------------------------------------------------------ 31 1.59 1.71 1.79 1.91 2.03 2.18 2.34 2.51 2.76 3.01 3.27 3.56 3.88 4.26 4.59 5.10 46 32 1.62 1.74 1.86 1.98 2.13 2.30 2.49 2.69 2.96 3.23 3.50 3.80 4.14 4.53 4.95 5.49 47 33 1.60 1.76 1.90 2.07 1.97 2.44 2.66 2.87 3.14 3.44 3.73 4.05 4.42 4.91 5.37 5.95 48 ------------------------------------------------------------------------------------------------------------------ 34 1.57 1.77 1.96 2.16 2.38 2.60 2.83 3.06 3.34 3.64 3.96 4.31 4.79 5.33 5.82 6.49 49 35 1.56 1.80 2.03 2.28 2.52 2.76 2.99 3.24 3.54 3.85 4.19 4.64 5.18 5.78 6.32 7.07 50 ------------------------------------------------------------------------------------------------------------------ 36 1.56 1.86 2.14 2.42 2.70 2.95 3.22 3.48 3.79 4.11 4.54 5.04 5.64 6.31 6.92 7.70 51 37 1.60 1.94 2.27 2.60 2.90 3.17 3.45 3.74 4.06 4.46 4.93 5.47 6.12 6.87 7.55 8.30 52 38 1.67 2.06 2.45 2.80 3.12 3.41 3.70 4.01 4.41 4.85 5.34 5.92 6.61 7.42 8.20 8.96 53 ------------------------------------------------------------------------------------------------------------------ 39 1.77 2.23 2.64 3.02 3.35 3.66 3.97 4.36 4.80 5.26 5.78 6.39 7.13 8.00 8.87 9.69 54 40 1.90 2.41 2.85 3.26 3.59 3.91 4.30 4.72 5.20 5.71 6.25 6.88 7.67 8.61 9.59 10.55 55 ------------------------------------------------------------------------------------------------------------------ 41 2.01 2._7 3.08 3.50 3.85 4.23 4.64 _.09 5.62 6.17 6.75 7.43 8.25 9.27 10.36 11.64 56 42 2.12 2.74 3.27 3.72 4.15 4.56 5.00 5.47 6.05 6.65 7.29 8.03 8.91 10.01 11.29 12.71 57 ------------------------------------------------------------------------------------------------------------------ 5/17/7982
VANGUARD 100 SERIES - 134 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE SMOKER MALE - ANB POLICY FEE $12.50
POLICY YEAR ISSUE ------------------------------------------------------------- AGE 1 2 3 4 5 6 7 8 9 ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- 43 2.22 2.88 3.45 3.98 4.45 4.89 5.34 5.85 6.44 -------------------------------------------------------------------- 44 2.31 3.01 3.67 4.25 4.74 5.21 5.69 6.21 6.82 45 2.40 3.19 3.90 4.53 5.05 5.55 6.06 6.59 7.22 -------------------------------------------------------------------- 46 2.53 3.36 4.12 4.83 5.41 5.94 6.47 7.03 7.71 47 2.65 3.56 4.39 5.16 5.82 6.39 6.94 7.54 8.33 48 2.76 3.78 4.70 5.54 6.30 6.93 7.52 8.17 9.13 -------------------------------------------------------------------- 49 2.89 4.02 5.03 5.96 6.82 7.53 8.20 8.96 9.90 50 3.00 4.28 5.38 6.40 7.34 8.15 8.97 9.73 10.75 -------------------------------------------------------------------- 51 3.13 4.54 5.76 6.84 7.86 8.83 9.65 10.55 11.60 52 3.26 4.82 6.13 7.28 _.41 9.38 10.34 11.30 12.31 53 3.40 5.09 _.49 7.75 _.__ 9.91 10.92 11.85 13.07 -------------------------------------------------------------------- 54 3.__ _.__ _.__ _.14 9.34 10.3_ 11.33 12.43 13.7_ 55 3.72 _.69 7.26 8._1 _.82 10.78 11.83 12.__ 14.38 -------------------------------------------------------------------- 56 3.95 6.02 7.74 9.14 10.26 11.30 12.39 13.49 15.10 57 4.19 6.45 8.29 9.67 10.85 11.93 12.96 14.21 15.85 58 4.52 6.98 8.88 10.39 11.60 12.64 13.81 15.08 16.58 -------------------------------------------------------------------- 59 4.90 7.53 9.64 11.24 12.42 13.61 14.81 15.96 17.63 60 5.29 8.19 10.47 12.06 13.46 14.70 15.80 17.08 18.67 -------------------------------------------------------------------- 61 5.79 8.89 11.23 13.04 14.56 15.71 16.98 18.14 19.98 62 6.33 9.50 12.06 14.05 15.50 16.86 18.03 19.42 21.38 63 6.87 10.28 12.97 14.95 16.54 17.79 19.18 20.68 22.60 -------------------------------------------------------------------- 64 7.53 11.20 13.__ 1_.98 17.43 18.87 20.33 21.75 24.07 65 8.24 12.05 14.93 16.85 18.50 20.01 21.37 23.17 25.75 -------------------------------------------------------------------- 66 8.92 12.93 15.76 17.85 19.64 21.10 22.83 24.88 27.52 67 9.73 13.55 16.54 18.83 20.67 22.57 24.60 26.76 30.04 68 10.50 14.17 17.19 19.60 21.98 24.31 26.55 29.44 33.53 -------------------------------------------------------------------- 69 11.42 14.77 17.__ 20.52 23.39 28.08 29.17 32.99 37.72 70 12.38 15.17 1_.22 21.43 24.65 28.27 32.48 37.11 42.56 -------------------------------------------------------------------- 71 13.17 16.29 19._6 22.79 26.46 30.65 35.21 40.24 46.15 72 14.11 17.46 20.76 24.42 28.64 33.18 38.13 43.56 49.97 73 15.03 18.42 22.11 26.28 30.82 35.70 41.03 46.89 53.78 -------------------------------------------------------------------- 74 15.78 19.53 23.67 28.14 33.00 38.23 43.93 50.21 57.59 75 16.65 20.81 25.23 29.99 35.18 40.76 46.84 53.63 61.41 -------------------------------------------------------------------- 76 17.67 22.10 26.79 31.85 37.35 43.29 49.75 56.85 65.22 77 18.69 23.38 28.35 33.70 39.53 45.81 52.66 60.18 69.04 78 19.73 24.66 29.91 35.56 41.72 48.34 55.56 63.50 72.85 -------------------------------------------------------------------- 79 20.75 25.95 31.47 37.41 43.89 50.87 58.46 66.82 76.67 80 21.77 27.23 33.02 39.27 46.07 53.40 61.38 70.14 80.48 -------------------------------------------------------------------- POLICY YEAR ISSUE ----------------------------------------------------- ATTAINED AGE 10 11 12 13 14 15 16+ AGE ----- ----- ------ ------ ------ ------ ------ ------ -------- 43 7.13 7.85 8.68 9.65 10.90 12.19 13.92 58 ---------------------------------------------------------------------- 44 7.61 8.44 9.38 10.54 11.80 13.25 15.17 59 45 8.12 9.07 10.21 11.42 12.87 14.42 16.29 60 ---------------------------------------------------------------------- 46 8.68 9.81 11.00 12.44 14.02 15.55 17.61 61 47 9.39 10.53 11.92 13.51 15.13 16.92 19.08 62 48 10.11 11.39 12.89 14.51 16.43 18.42 20.59 63 ---------------------------------------------------------------------- 49 10.98 12.31 13.79 15.68 17.83 19.87 22.45 64 50 11.88 13.16 14.85 16.92 19.13 21.58 24.44 65 ---------------------------------------------------------------------- 51 12.69 14.14 15.97 18.05 20.65 23.38 26.35 66 52 13.60 15.16 16.99 19.40 22.24 25.04 28.52 67 53 14.46 16.05 18.18 20.80 23.67 26.93 30.50 68 ---------------------------------------------------------------------- 54 15.19 17.07 19.43 22.0_ 25.34 28.61 32.__ 69 55 __.05 1_.14 20.57 23._9 26.__ 30.66 34.91 70 ---------------------------------------------------------------------- 56 16.96 19.11 21.94 24.99 28.75 32.88 37.28 71 57 17.78 20.32 23.21 26.74 30.83 35.01 40.32 72 58 18.85 21.42 24.75 28.62 32.81 37.71 43.49 73 ---------------------------------------------------------------------- 59 19.84 22.78 26.38 30.35 35.28 40.67 46.51 74 60 21.13 24.26 27.87 32.49 37.96 43.45 50.29 75 ---------------------------------------------------------------------- 61 22.53 25.64 29.77 34.83 40.46 46.87 54.98 76 62 23.87 27.40 31.85 37.02 43.55 51.06 60.09 77 63 25.47 29.26 33.75 39.72 47.33 55.57 65.72 78 ---------------------------------------------------------------------- 64 27.16 30.95 36.12 43.05 51.39 60.41 71.71 79 65 28.83 33.18 39.15 46.71 55.82 65.64 77.88 80 ---------------------------------------------------------------------- 66 31.15 36.18 42.65 50.81 60.63 71.25 84.13 81 67 34.35 39.79 46.73 55.44 65.90 77.30 90.91 82 68 38.30 44.16 51.49 60.64 71.66 83.79 98.12 83 ---------------------------------------------------------------------- 69 43.00 49.26 56.93 66.41 77.88 90.71 106.35 84 70 48.40 55.07 62.99 72.72 84.56 98.07 115.39 85 ---------------------------------------------------------------------- 71 52.50 59.73 68.32 78.88 91.72 106.39 125.31 86 72 56.83 64.67 73.97 85.41 99.33 115.20 136.11 87 73 61.18 69.61 79.63 91.94 106.92 124.01 147.62 88 ---------------------------------------------------------------------- 74 65.51 74.56 85.28 98.47 114.51 132.82 157.54 89 75 69.85 79.49 90.93 105.00 122.11 141.64 165.12 90 ---------------------------------------------------------------------- 76 74.19 84.43 96.59 111.53 129.70 150.44 171.10 91 77 78.53 89.37 102.23 118.06 137.30 159.26 177.15 92 78 82.87 94.31 107.89 124.59 144.90 168.07 187.15 93 ---------------------------------------------------------------------- 79 87.21 99.26 113.55 131.12 152.50 176.89 202.39 94 80 91.56 104.19 119.20 137.65 160.09 185.69 217.91 95 ---------------------------------------------------------------------- 227.54 96 238.15 97 248.97 98 ------------- 260.01 99 ------------- 5/17/19_2
VANGUARD 100 SERIES - 136 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE NONSMOKER MALE - ANB POLICY FEE 12.50
POLICY YEAR ISSUE ---------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- -------- 0 7.63 1.90 1.28 1.03 .8_ .81 .74 .70 .65 .61 .60 .60 .62 .74 .86 1.01 15 --------------------------------------------------------------------------------------------------------------- 1 1.90 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.01 1.13 16 2 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.13 1.25 17 3 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.25 1.32 18 --------------------------------------------------------------------------------------------------------------- 4 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.32 1.36 19 5 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.36 1.32 20 --------------------------------------------------------------------------------------------------------------- 6 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.32 1.23 21 7 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.23 1.14 22 8 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.14 1.07 23 --------------------------------------------------------------------------------------------------------------- 9 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.07 .99 24 10 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 .99 .92 25 --------------------------------------------------------------------------------------------------------------- 11 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .92 .92 26 12 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .93 .92 .90 27 13 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .93 .92 .90 .93 28 --------------------------------------------------------------------------------------------------------------- 14 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .93 .92 .90 .93 .95 29 15 1.01 1.13 1.24 1.31 1.33 1.31 1.24 1.15 1.08 .99 .93 .93 .90 .94 .95 .99 30 --------------------------------------------------------------------------------------------------------------- 16 1.13 1.24 1.26 1.28 1.26 1.22 1.15 1.08 1.00 .93 .92 .90 .94 .96 .99 1.02 31 17 1.23 1.25 1.24 1.21 1.19 1.13 1.07 .99 .93 .92 .90 .94 .96 .99 1.02 1.03 32 18 1.18 1.19 1.17 1.14 1.11 1.03 .96 .91 .90 .90 .90 .93 .97 1.01 1.03 1.04 33 --------------------------------------------------------------------------------------------------------------- 19 1.09 1.10 1.08 1.05 1.00 .91 .86 .86 .87 .88 .88 .93 .98 1.02 1.04 1.07 34 20 .98 1.00 .99 .95 .89 .81 .82 .82 .84 .87 .87 .93 .97 1.03 1.07 1.11 35 --------------------------------------------------------------------------------------------------------------- 21 .87 .91 .90 .84 .79 .76 .78 .79 .82 .85 .88 .93 .98 1.05 1.11 1.18 36 22 .79 .83 .81 .77 .76 .75 .76 .77 .81 .84 .88 .93 1.00 1.08 1.17 1.27 37 23 .73 .75 .75 .75 .75 .74 .75 .77 .80 .85 .90 .95 1.04 1.15 1.25 1.37 38 --------------------------------------------------------------------------------------------------------------- 24 .66 .68 .72 .73 .74 .74 .75 .78 .81 .87 .93 1.00 1.11 1.24 1.35 1.50 39 25 .61 .65 .70 .72 .74 .74 .76 .79 .84 .90 .98 1.07 1.21 1.35 1.48 1.65 40 --------------------------------------------------------------------------------------------------------------- 26 .59 .64 .68 .71 .74 .7_ .78 .82 .87 .94 1.04 1.16 1.29 1.46 1.61 1.78 41 27 .59 .63 .67 .71 .75 .78 .81 .86 .92 1.00 1.11 1.24 1.40 1.58 1.75 1.93 42 28 .60 .64 .68 .73 .77 .81 .85 .91 .99 1.09 1.20 1.34 1.51 1.71 1.89 2.09 43 --------------------------------------------------------------------------------------------------------------- 29 .62 .66 .70 .75 .80 .85 .91 .98 1.07 1.19 1.31 1.46 1.64 1.84 2.04 2.26 44 30 .64 .69 .73 .78 .84 .90 .97 1.06 1.17 1.30 1.44 1.59 1.78 1.99 2.20 2.46 45 --------------------------------------------------------------------------------------------------------------- 31 .67 .72 .77 .83 .89 .97 1.05 1.15 1.28 1.42 1.57 1.74 1.93 2.16 2.38 2.70 46 32 .69 .75 .81 .87 .95 1.04 1.14 1.25 1.39 1.55 1.71 1.89 2.10 2.35 2.62 2.98 47 33 .70 .77 .84 .92 .91 1.12 1.24 1.36 1.51 1.68 1.86 2.06 2.30 2.60 2.91 3.30 48 --------------------------------------------------------------------------------------------------------------- 34 .70 .79 .88 .98 1.10 1.21 1.34 1.47 1.64 1.82 2.02 2.24 2.54 2.89 3.23 3.68 49 35 .71 .82 .93 1.05 1.18 1.31 1.44 1.59 1.77 1.96 2.18 2.47 2.81 3.21 3.59 4.11 50 --------------------------------------------------------------------------------------------------------------- 36 .73 .86 .99 1.14 1.28 1.42 1.58 1.74 1.93 2.14 2.42 2.74 3.13 3.59 4.03 4.59 51 37 .76 .91 1.07 1.24 1.40 1.56 1.73 1.91 2.12 2.37 2.68 3.04 3.48 4.00 4.50 5.07 52 38 .80 .98 1.17 1.36 1.54 1.71 1.89 2.09 2.35 2.64 2.97 3.37 3.85 4.43 5.01 5.62 53 --------------------------------------------------------------------------------------------------------------- 39 .86 1.08 1.29 1.49 1.68 1.87 2.07 2.32 2.61 2.93 3.29 3.72 4.25 4.89 5.56 6.23 54 40 .93 1.18 1.41 1.64 1.84 2.04 2.29 2.57 2.90 3.25 3.64 4.11 4.69 5.40 6.17 6.96 55 --------------------------------------------------------------------------------------------------------------- 41 1.01 1.28 1.55 1.79 2.01 2.26 2.53 2.83 3.20 3.60 4.03 4.55 5.18 5.97 6.84 7.82 56 42 1.08 1.39 1.68 1.95 2.22 2.49 2.78 3.12 3.53 3.97 4.46 5.04 5.74 6.61 7.59 8.78 57 --------------------------------------------------------------------------------------------------------------- 5/18/1982
VANGUARD 100 SERIES - 136 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE NONSMOKER MALE - ANB POLICY FEE 12.50
POLICY YEAR ISSUE ------------------------------------------------------------- AGE 1 2 3 4 5 6 7 8 9 ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- 43 1.15 1.49 1.81 2.13 2.43 2.73 3.05 3.42 3.85 -------------------------------------------------------------------- 44 1.22 1.60 1.97 2.32 2.65 2.97 3.33 3.72 4.18 45 1.29 1.72 2.14 2.53 2.89 3.25 3.63 4.04 4.54 -------------------------------------------------------------------- 46 1.39 1.86 2.31 2.76 3.17 3.56 3.97 4.42 4.97 47 1.48 2.01 2.52 3.02 3.49 3.92 4.37 4.87 5.52 48 1.58 2.18 2.76 3.32 3.87 4.36 4.85 5.41 6.15 -------------------------------------------------------------------- 49 1.69 2.37 3.03 3.66 4.29 4.80 5.43 6.04 6.85 50 1.80 2.59 3.32 4.03 4.74 5.40 6.05 6.73 7.58 -------------------------------------------------------------------- 51 1.91 2.81 3.64 4.42 5.20 5.95 6.68 7.44 8.24 52 2.04 3.06 3.97 4.83 5.67 6.49 7.29 8.03 8.98 53 2.18 3.31 4.31 5.23 6.13 6.99 7.76 8.64 9.72 -------------------------------------------------------------------- 54 2.33 3.57 4.66 5.64 6.59 7.38 8.27 9.24 10.45 55 2.50 3.86 5.04 6.08 6.98 7.87 8.80 9.84 11.20 -------------------------------------------------------------------- 56 2.70 4.19 5.47 6.50 7.49 8.41 9.39 10.51 11.99 57 2.94 4.57 5.90 7.06 8.08 9.05 10.10 11.28 12.83 58 3.22 4.98 6.49 7.74 8.80 9.85 10.97 12.21 13.65 -------------------------------------------------------------------- 59 3.52 5.51 7.18 8.52 9.68 10.81 11.99 13.14 14.80 60 3.89 6.11 7.95 9.40 10.70 11.90 13.02 14.34 16.12 -------------------------------------------------------------------- 61 4.33 6.75 8.76 10.36 11.79 12.94 14.26 15.67 17.60 62 4.82 7.42 9.58 11.38 12.77 14.15 15.57 17.11 19.21 63 5.38 8.18 10.51 12.31 13.89 15.37 16.89 18.58 20.89 -------------------------------------------------------------------- 64 6.00 9.08 11.44 13.42 15.05 16.62 18.26 20.11 22.46 65 6.69 9.93 12.54 14.56 16.30 17.98 19.76 21.62 24.51 -------------------------------------------------------------------- 66 7.36 10.86 13.62 15.73 17.64 19.50 21.30 23.68 26.98 67 8.18 11.71 14.57 16.92 19.11 21.06 23.41 26.23 30.04 68 9.08 12.49 15.44 18.12 20.52 23.14 26.03 29.44 33.53 -------------------------------------------------------------------- 69 10.07 13.27 16.32 19.16 22.27 25.54 29.17 32.99 37.72 70 11.13 14.03 17.00 20.40 24.16 28.27 32.48 37.11 42.56 -------------------------------------------------------------------- 71 12.18 15.21 18.62 22.34 26.46 30.65 35.21 40.24 46.15 72 13.18 16.62 20.35 24.42 28.64 33.18 38.13 43.56 49.97 73 14.31 18.06 22.11 26.28 30.82 35.70 41.03 46.89 53.78 -------------------------------------------------------------------- 74 15.47 19._3 23.67 28.14 33.00 38.23 43.93 50.21 57.59 75 16.65 20.81 25.23 29.99 35.18 40.76 46.84 53.53 61.41 -------------------------------------------------------------------- 76 17.67 22.10 26.79 31.85 37.35 43.29 49.75 56.85 65.22 77 18.69 23.38 28.35 33.70 39.53 45.81 52.66 60.18 69.04 78 19.73 24.66 29.91 35.56 41.72 48.34 55.56 63.50 72.85 -------------------------------------------------------------------- 79 20.75 25.95 31.47 37.41 43.89 50.87 58.46 66.82 76._7 80 21.77 27.33 33.02 39.27 46.07 53.40 61.38 70.14 80.48 -------------------------------------------------------------------- POLICY YEAR ISSUE ----------------------------------------------------- ATTAINED AGE 10 11 12 13 14 15 16 AGE ----- ----- ------ ------ ------ ------ ------ ------ -------- 43 4.37 4.93 5.59 6.38 7.34 8.42 9.79 58 ---------------------------------------------------------------------- 44 4.78 5.44 6.20 7.09 8.15 9.33 10.75 59 45 5.24 6.00 6.87 7.89 9.05 10.22 11.86 60 ---------------------------------------------------------------------- 46 5.74 6.61 7.60 8.76 9.94 11.33 13.08 61 47 6.32 7.28 8.40 9.58 11.02 12.56 14.44 62 48 6.99 8.02 9.14 10.58 12.20 13.94 16.02 63 ---------------------------------------------------------------------- 49 7.73 8.74 10.06 11.65 13.49 15.46 17.81 64 50 8.43 9.59 11.04 12.81 14.88 17.12 19.76 65 ---------------------------------------------------------------------- 51 9.26 10.51 12.09 14.05 16.38 18.90 21.68 66 52 10.11 11.48 13.23 15.39 17.99 20.60 23.93 67 53 10.96 12.50 14.43 16.82 19.48 22.60 26.33 68 ---------------------------------------------------------------------- 54 11.83 13.55 15.72 18.16 21.26 24.70 28.75 69 55 12.75 14.68 16.93 19.80 23.19 26.99 31.34 70 ---------------------------------------------------------------------- 56 13.72 15.74 18.42 21.58 25.31 29.52 34.45 71 57 14.64 17.06 20.04 23.55 27.68 32.36 37.62 72 58 15.82 18.50 21.79 25.70 30.33 35.19 41.39 73 ---------------------------------------------------------------------- 59 17.14 20.07 23.69 28.05 32.92 38.70 45.59 74 60 18.61 21.79 25.76 30.32 36.12 42.59 50.29 75 ---------------------------------------------------------------------- 61 20.24 23.70 27.78 33.15 39.67 46.87 54.98 76 62 22.06 25.57 30.31 36.29 43.55 51.06 60.09 77 63 23.77 27.85 33.08 39.72 47.33 55.57 65.72 78 ---------------------------------------------------------------------- 64 25.85 30.34 36.12 43.05 51.39 60.41 71.71 79 65 28.26 33.18 39.15 46.71 55.82 65.64 77.88 80 ---------------------------------------------------------------------- 66 31.15 36.18 42.65 50.81 60.63 71.25 84.13 81 67 34.35 39.79 46.73 55.44 65.90 77.30 90.91 82 68 38.30 44.16 51.49 60.64 71.66 83.79 98.12 83 ---------------------------------------------------------------------- 69 43.00 49.26 56.93 66.41 77.88 90.71 106.35 84 70 48.40 55.07 62.99 72.72 84.56 98.07 115.39 85 ---------------------------------------------------------------------- 71 52.50 59.73 68.32 78.88 91.72 106.39 125.31 86 72 56.83 64.67 73.97 85.41 99.33 115.20 136.11 87 73 61.18 69.61 79.63 91.94 106.92 124.01 147.62 88 ---------------------------------------------------------------------- 74 65.51 74.56 85.28 98.47 114.51 132.82 157.54 89 75 69.85 79.49 90.93 105.00 122.11 141.64 165.12 90 ---------------------------------------------------------------------- 76 74.19 84.43 96.59 111.53 129.70 150.44 171.10 91 77 78.53 89.37 102.23 118.06 137.30 159.26 177.15 92 78 82.87 94.31 107.89 124.59 144.90 168.07 187.15 93 ---------------------------------------------------------------------- 79 87.21 99.26 113.55 131.12 152.50 176.89 202.39 94 80 91.56 104.19 119.20 137.65 160.09 185.69 217.91 95 ---------------------------------------------------------------------- 227.54 96 238.15 97 248.97 98 ---------------------------------------------------------------------- 260.01 99 ---------------------------------------------------------------------- 5/18/1982
VANGUARD 100 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE SUBSTANDARD MALE ANB
POLICY YEAR ISSU ------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- --- --- --- --- --- --- --- --- --- ---- ---- ---- ---- ---- ---- -------- 0 1.47 .34 .21 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 15 ------------------------------------------------------------------------------------------------------ 1 .34 .21 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 16 2 .21 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 17 3 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 18 ------------------------------------------------------------------------------------------------------ 4 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 19 5 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 20 ------------------------------------------------------------------------------------------------------ 6 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 21 7 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .28 22 8 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .28 .28 23 ------------------------------------------------------------------------------------------------------ 9 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 24 10 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 25 ------------------------------------------------------------------------------------------------------ 11 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .26 26 12 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .26 .25 27 13 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .27 .25 .26 28 ------------------------------------------------------------------------------------------------------ 14 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .27 .25 .26 .26 29 15 .17 .20 .24 .26 .28 .30 .29 .29 .28 .28 .27 .27 .25 .26 .26 .27 30 ------------------------------------------------------------------------------------------------------ 16 .20 .24 .25 .27 .28 .29 .29 .28 .28 .27 .26 .25 .26 .26 .27 .27 31 17 .23 .25 .26 .27 .28 .28 .28 .27 .27 .26 .25 .26 .26 .27 .27 .27 32 18 .23 .25 .26 .27 .27 .27 .26 .26 .26 .25 .25 .25 .26 .27 .27 .27 33 ------------------------------------------------------------------------------------------------------ 19 .22 .24 .25 .25 .26 .25 .25 .24 .24 .24 .24 .25 .26 .27 .27 .28 34 20 .21 .23 .24 .24 .24 .23 .23 .22 .23 .23 .23 .24 .26 .27 .28 .29 35 ------------------------------------------------------------------------------------------------------ 21 .19 .21 .22 .22 .22 .21 .21 .21 .22 .22 .23 .24 .25 .27 .29 .30 36 22 .18 .20 .21 .21 .21 .20 .20 .20 .21 .22 .22 .24 .26 .28 .30 .32 37 23 .17 .19 .20 .20 .20 .19 .19 .19 .20 .21 .23 .24 .26 .29 .32 .35 38 ------------------------------------------------------------------------------------------------------ 24 .16 .18 .19 .19 .19 .19 .19 .19 .20 .22 .23 .25 .28 .32 .35 .38 39 25 .15 .17 .18 .18 .19 .19 .19 .20 .21 .22 .24 .27 .31 .34 .38 .42 40 ------------------------------------------------------------------------------------------------------ 26 .14 .16 .17 .18 .18 .19 .19 .20 .21 .23 .26 .29 .33 .37 .41 .45 41 27 .14 .15 .16 .17 .18 .19 .20 .21 .22 .25 .28 .31 .35 .40 .44 .49 42 28 .14 .15 .16 .18 .19 .20 .21 .22 .24 .27 .30 .34 .38 .43 .48 .52 43 ------------------------------------------------------------------------------------------------------ 29 .15 .16 .17 .18 .19 .21 .22 .24 .26 .29 .33 .37 .41 .46 .51 .57 44 30 .15 .16 .18 .19 .20 .22 .24 .26 .29 .32 .36 .40 .45 .50 .55 .61 45 ------------------------------------------------------------------------------------------------------ 31 .16 .17 .18 .20 .22 .24 .26 .28 .32 .35 .39 .43 .48 .54 .59 .67 46 32 .16 .18 .19 .21 .23 .25 .28 .31 .35 .39 .43 .47 .52 .58 .65 .73 47 33 .16 .18 .20 .22 .21 .27 .31 .34 .37 .42 .46 .51 .57 .64 .71 .81 48 ------------------------------------------------------------------------------------------------------ 34 .16 .19 .21 .24 .27 .30 .33 .36 .41 .45 .50 .55 .63 .71 .79 .89 49 35 .16 .19 .22 .26 .29 .32 .36 .39 .44 .48 .54 .60 .69 .78 .87 .99 50 ------------------------------------------------------------------------------------------------------ 36 .16 .20 .24 .28 .31 .35 .39 .43 .48 .52 .59 .67 .76 .87 .97 1.10 51 37 .17 .21 .26 .30 .34 .38 .42 .47 .52 .58 .65 .74 .84 .96 1.07 1.20 52 38 .18 .23 .28 .33 .38 .42 .46 .51 .57 .64 .72 .81 .92 1.06 1.19 1.32 53 ------------------------------------------------------------------------------------------------------ 39 .20 .26 .31 .36 .41 .46 .51 .57 .64 .71 .79 .89 1.01 1.16 1.31 1.45 54 40 .21 .28 .34 .40 .45 .50 .56 .62 .70 .78 .87 .98 1.11 1.27 1.44 1.61 55 ------------------------------------------------------------------------------------------------------ 41 .23 .31 .38 .44 .49 .55 .61 .68 .77 .86 .96 1.07 1.21 1.39 1.58 1.79 56 42 .25 .33 .41 .47 .54 .60 .67 .75 .84 .94 1.05 1.18 1.33 1.52 1.74 1.99 57 ------------------------------------------------------------------------------------------------------ 5/18/1982
VANGUARD 100 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE SUBSTANDARD MALE ANB
POLICY YEAR ISSUE --------------------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- ---- ---- ---- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- 43 .26 .36 .44 .52 .59 .66 .73 .81 .91 1.03 1.15 1.30 1.47 1.68 1.91 2.20 58 -------------------------------------------------------------------------------------------------------------------------- 44 .28 .38 .47 .56 .64 .71 .79 .88 .98 1.12 1.26 1.43 1.62 1.85 2.09 2.42 59 45 .30 .41 .51 .61 .69 .77 .86 .95 1.06 1.21 1.38 1.57 1.79 2.03 2.30 2.65 60 -------------------------------------------------------------------------------------------------------------------------- 46 .32 .44 .55 .66 .75 .84 .93 1.03 1.15 1.32 1.51 1.72 1.96 2.24 2.52 2.89 61 47 .34 .47 .60 .71 .82 .92 1.02 1.12 1.26 1.44 1.64 1.88 2.15 2.46 2.77 3.16 62 48 .36 .51 .65 .78 .91 1.01 1.12 1.24 1.40 1.58 1.80 2.05 2.35 2.69 3.05 3.47 63 -------------------------------------------------------------------------------------------------------------------------- 49 .38 .55 .71 .85 1.00 1.12 1.24 1.37 1.54 1.73 1.96 2.24 2.57 2.95 3.35 3.82 64 50 .40 .60 .77 .93 1.09 1.24 1.37 1.52 1.69 1.89 2.13 2.43 2.80 3.22 3.67 4.20 65 -------------------------------------------------------------------------------------------------------------------------- 51 .43 .64 .84 1.02 1.19 1.35 1.50 1.66 1.84 2.05 2.31 2.64 3.04 3.51 4.01 4.61 66 52 .45 .70 .91 1.10 1.29 1.46 1.63 1.80 1.99 2.22 2.50 2.86 3.29 3.82 4.38 5.04 67 53 .48 .75 .98 1.18 1.38 1.56 1.73 1.92 2.13 2.39 2.70 3.09 3.57 4.14 4.75 5.49 68 -------------------------------------------------------------------------------------------------------------------------- 54 .51 .80 1.05 1.26 1.47 1.65 1.83 2.03 2.27 2.55 2.90 3.33 3.85 4.47 5.14 5.93 69 55 .55 .86 1.12 1.35 1.56 1.74 1.93 2.14 2.41 2.72 3.11 3.59 4.16 4.83 5.57 6.40 70 -------------------------------------------------------------------------------------------------------------------------- 56 .59 .93 1.21 1.45 1.65 1.84 2.04 2.26 2.56 2.90 3.33 3.87 4.49 5.22 6.03 6.97 71 57 .64 1.00 1.31 1.56 1.77 1.96 2.17 2.40 2.71 3.10 3.58 4.17 4.85 5.65 6.54 7.61 72 58 .69 1.10 1.43 1.69 1.91 2.12 2.33 2.58 2.89 3.32 3.84 4.49 5.24 6.13 7.12 8.30 73 -------------------------------------------------------------------------------------------------------------------------- 59 .76 1.20 1.57 1.85 2.08 2.30 2.53 2.78 3.10 3.56 4.13 4.83 5.67 6.66 7.75 9.05 74 60 .84 1.33 1.72 2.02 2.28 2.51 2.75 3.00 3.34 3.82 4.44 5.20 6.13 7.23 8.45 9.88 75 -------------------------------------------------------------------------------------------------------------------------- 61 .93 1.45 1.88 2.20 2.49 2.73 2.98 3.25 3.61 4.12 4.78 5.61 6.64 7.87 9.21 10.81 76 62 1.03 1.58 2.04 2.40 2.70 2.96 3.23 3.51 3.91 4.45 5.16 6.06 7.19 8.56 10.04 11.82 77 63 1.14 1.73 2.21 2.60 2.90 3.18 3.47 3.78 4.21 4.79 5.57 6.55 7.80 9.30 10.93 12.93 78 -------------------------------------------------------------------------------------------------------------------------- 64 1.26 1.90 2.41 2.80 3.12 3.41 3.71 4.05 4.53 5.17 6.01 7.09 8.46 10.10 11.88 14.11 79 65 1.39 2.09 2.62 3.01 3.34 3.65 3.98 4.36 4.90 5.59 6.51 7.69 9.18 10.98 12.91 15.33 80 -------------------------------------------------------------------------------------------------------------------------- 66 1.54 2.26 2.82 3.23 3.58 3.93 4.29 4.73 5.34 6.11 7.10 8.38 9.99 11.93 14.02 16.56 81 67 1.69 2.42 2.99 3.44 3.85 4.24 4.67 5.19 5.89 6.74 7.81 9.18 10.90 12.97 15.21 17.90 82 68 1.86 2.55 3.13 3.65 4.13 4.62 5.15 5.77 6.58 7.52 8.67 10.12 11.93 14.10 16.50 19.32 83 -------------------------------------------------------------------------------------------------------------------------- 69 2.05 2.69 3.28 3.86 4.44 5.05 5.72 6.47 7.40 8.45 9.68 11.19 13.07 15.33 17.86 20.95 84 70 2.25 2.81 3.42 4.07 4.78 5.54 6.37 7.28 8.36 9.51 10.83 12.39 14.31 16.65 19.31 22.73 85 -------------------------------------------------------------------------------------------------------------------------- 71 2.44 3.05 3.71 4.41 5.18 6.01 6.91 7.90 9.07 10.32 11.75 13.44 15.53 18.06 20.95 24.69 86 72 2.64 3.31 4.02 4.78 5.61 6.51 7.48 8.56 9.82 11.18 12.72 14.56 16.82 19.56 22.69 26.82 87 73 2.84 3.56 4.32 5.15 6.04 7.01 8.06 9.21 10.57 12.03 13.70 15.67 18.10 21.06 24.43 29.09 88 -------------------------------------------------------------------------------------------------------------------------- 74 3.04 3.81 4.63 5.51 6.47 7._1 8.63 9.87 11.33 12.89 14.67 16.79 19.39 22.56 26.17 31.05 89 75 3.25 4.07 4.94 5.88 6.90 8.00 9.20 10.52 12.08 13.75 15.65 17.90 20.68 24.06 27.91 32.55 90 -------------------------------------------------------------------------------------------------------------------------- 76 3.45 4.32 5.25 6.25 7.33 8.50 9.78 11.18 12.83 14.60 16.62 19.02 21.97 25.56 29.65 33.73 91 77 3.65 4.57 5.55 6.61 7.76 9.00 10.35 11.84 13.58 15.46 17.60 20.14 23.26 27.06 31.39 34.92 92 78 3.85 4.83 5.86 6.98 8.19 9.50 10.92 12.49 14.34 16.31 18.57 21.25 24.55 28.55 33.13 36.89 93 -------------------------------------------------------------------------------------------------------------------------- 79 4.06 5.08 6.17 7.34 8._2 10.00 11.50 13.15 15.09 17.17 19.55 22.37 25.84 30.05 34.87 39.90 94 80 4.26 5.33 6.48 7.71 9.05 10.50 12.07 13.80 15.84 18.03 20.52 23.48 27.12 31.55 36.61 42.96 95 -------------------------------------------------------------------------------------------------------------------------- 44.86 96 46.96 97 49.09 98 --------------- 51.27 99 --------------- 5/18/1982
THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE A SPECIFICATIONS 1. TYPE OF BUSINESS: Life insurance and disability waiver of monthly deduction and accidental death benefit issued by you. 2. PLANS OF INSURANCE: A. Plus Two (UL) B. X-881 (EIWL) C. Commonwealth 3 3. BASIS OF REINSURANCE: Pool - Our share is 20% for ages through 70 and 50% for ages 71 through 75. 4. JUMBO LIMIT: A. Life $7,500,000 B. Disability Waiver of Premium $3,000,000 C. Accidental Death (Including Ages Amount Common Carrier) ----- -------- 0-4 -0- 5-15 $ 50,000 16-65 300,000 5. BINDING LIMIT: A. Life $1,000,000 through age 70 $ 500,000 Ages 71 - 75 B. Disability Waiver of Premium Same as Life C. Accidental Death $100,000 6. MINIMUM AMOUNTS: Not applicable. 7. YEARS TO RECAPTURE: Ten DISK K THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT III INSTRUCTIONS FOR THE USE OF THE YEARLY RENEWABLE TERM PREMIUMS PER $1,000 OF REINSURANCE 1. Reinsurance premiums under this Agreement will be payable on the annual basis regardless of how you receive premiums from your insured. 2. STANDARD AND SUBSTANDARD TABLE EXTRA PREMIUMS A. The rates for the first $2,000,000 on any one life will be your company's appropriate rates set forth to this Exhibit times the following multiples for all years: [Superseded by new copy, above] We reserve the right to renegotiate the above multiples if you change the rates set forth in this Exhibit. *In addition to existing preferred risk underwriting requirements, the following stipulations must be met for the preferred rates to apply: (1) No tobacco use (2) Standard with no more than 15 debits. (3) No risk factoring (4) No credits. (5) No diabetes. The substandard reinsurance rates will be an additional 25% per table rating of the appropriate rates times the multiples stated above. EXHIBIT III CONTINUES . . . B. For reinsurance in excess of $2,000,000 on any one life, the Vanguard 134 and 136 ANB rates, excluding the policy fee, set forth in this Exhibit will be used. (1) The rates are applicable to males and also to females with an age adjustment factor. For females attained ages 0-10, use male rates for the same ages. For females ages 11-14, use male rate age 10. For females ages 15 and over, use male rates for an age of 4 years younger. (2) The "Substandard" reinsurance premiums set forth in this Exhibit shall be applied for the purpose of computing the substandard table extra premiums. Substandard table extra premiums shall be dropped at the later of age 65 and 20 years in force. The substandard extras in this Exhibit are for Table 1. For rating higher than Table 1, multiply above rate by the appropriate table. 3. FLAT EXTRA PREMIUM The flat extra premium will be the annual flat extra premium which you charge your insured on that amount of the insurance reinsured less the following allowances. Terms of Your First Renewal Flat Extra Premium Year Years ------------------ ----- ------- More than 4 years 85% 15% 4 years or less 15% 15% 4. RENEWAL AND CONVERSION OF INSURANCE The renewal and conversion of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. The Vanguard rates set forth in this Exhibit will be used, including the policy fee. Any conversions to a plan of insurance reinsured under this Agreement will be on a point-in-scale basis. 5. PREMIUM TAX We will not reimburse you for any premium taxes. PREFERRED NON-SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 -- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 0.839 15 0.693 0.830 0.954 1.055 1.124 1.162 0.834 0.792 16 0.840 0.963 1.021 1.078 1.113 0.818 0.788 0.755 17 0.966 1.023 1.048 1.072 0.801 0.770 0.743 0.716 18 0.966 1.01l 1.034 0.765 0.762 0.720 0.692 0.667 19 0.924 0.979 0.725 0.715 0.701 0.659 0.635 0.611 20 0.861 0.670 0.675 0.661 0.640 0.588 0.578 0.557 21 0.554 0.610 0.632 0.624 0.605 0.567 0.579 0.572 22 0.484 0.540 0.567 0.556 0.539 0.519 0.514 0.510 23 0.430 0.475 0.503 0.494 0.487 0.465 0.463 0.460 24 0.373 0.412 0.439 0.444 0.435 0.423 0.416 0.421 25 0.332 0.364 0.396 0.400 0.405 0.393 0.395 0.405 26 0.307 0.340 0.365 0.376 0.386 0.387 0.394 0.402 27 0.299 0.321 0.348 0.364 0.380 0.392 0.401 0.414 28 0.298 0.321 0.342 0.364 0.385 0.400 0.414 0.440 29 0.307 0.325 0.348 0.375 0.400 0.419 0.447 0.470 30 0.313 0.336 0.364 0.385 0.414 0.447 0.469 0.507 31 0.316 0.348 0.370 0.400 0.434 0.464 0.500 0.543 32 0.320 0.352 0.382 0.417 0.448 0.489 0.535 0.587 33 0.313 0.352 0.392 0.429 0.474 0.520 0.575 0.629 34 0.299 0.350 0.392 0.441 0.494 0.548 0.605 0.666 35 0.301 0.356 0.411 0.472 0.530 0.591 0.653 0.724 36 0.304 0.376 0.443 0.514 0.583 0.650 0.726 0.805 37 0.321 0.402 0.482 0.565 0.644 0.721 0.805 0.893 38 0.344 0.439 0.535 0.626 0.716 0.801 0.891 0.997 39 0.375 0.489 0.594 0.697 0.794 0.889 0.993 1.115 40 0.412 0.543 0.663 0.779 0.879 0.985 1.109 1.244 41 0.450 0.599 0.740 0.863 0.977 1.100 1.230 1.375 42 0.489 0.659 0.810 0.952 1.086 1.218 1.359 1.518 43 0.528 0.714 0.886 1.048 1.196 1.340 1.491 1.663 44 0.566 0.773 0.969 1.148 1.305 1.463 1.628 1.810 45 0.611 0.841 1.055 1.255 1.427 1.599 1.778 1.980 46 0.660 0.909 1.146 1.371 1.568 1.754 1.956 2.180 47 0.709 0.989 1.252 1.504 1.733 1.946 2.165 2.417 48 0.759 1.077 1.375 1.656 1.934 2.178 2.426 2.715 49 0.814 1.175 1.511 1.838 2.158 2.445 2.741 3.068 50 0.870 1.285 1.667 2.033 2.398 2.741 3.087 3.457 51 0.930 1.407 1.837 2.244 2.655 3.053 3.446 3.842 52 0.999 1.537 2.016 2.471 2.919 3.361 3.783 4.234 53 1.072 1.672 2.207 2.699 3.185 3.640 4.108 4.599 54 1.156 1.820 2.405 2.933 3.440 3.923 4.417 4.948 55 1.249 1.985 2.625 3.182 3.723 4.219 4.730 5.301 56 1.362 2.172 2.866 3.475 4.031 4.538 5.079 5.696 57 1.499 2.389 3.161 3.811 4.375 4.912 5.496 6.154 58 1.658 2.661 3.513 4.206 5.798 5.382 6.008 6.696 59 1.856 2.978 3.916 4.666 3.315 5.949 6.610 7.322 60 2.081 3.330 4.364 5.183 5.914 6.589 7.286 8.030 61 2.339 3.709 4.844 5.753 6.557 7.278 8.020 8.839 62 2.631 4.104 5.339 6.357 7.214 8.000 8.821 9.717 63 2.959 4.562 5.890 6.988 7.885 8.742 9.632 10.623 64 3.330 5.098 6.514 7.651 8.599 9.510 10.473 11.563 65 3.743 5.668 7.178 8.346 9.360 10.345 11.392 12.633 66 4.191 6.233 7.833 9.061 10.182 11.276 12.474 13.860 67 4.690 6.750 6.420 9.792 11.078 12.362 13.733 15.378 68 5.232 7.227 8.961 10.526 12.065 13.600 15.290 17.246 69 5.825 7.709 9.494 11.284 13.116 15.040 17.125 19.506 70 6.466 8.173 10.026 12.033 14.253 16.632 19.243 22.134 71 7.104 8.988 11.012 13.212 15.615 18.214 21.072 24.231 72 7.809 9.871 12.090 14.478 17.106 19.950 23.074 26.519 73 8.564 10.824 13.232 15.838 18.709 21.814 25.214 28.984 74 9.241 11.655 14.238 17.040 20.126 23.456 27.115 31.164 75 9.771 12.316 15.048 18.005 21.254 24.771 28.633 32.891 76 10.210 12.868 15.718 18.799 22.192 25.862 29.877 34.310 77 10.658 13.429 16.397 19.612 23.148 26.961 31.138 35.745 78 11.350 14.295 17.455 20.875 24.624 28.673 33.104 37.989 79 12.368 15.578 19.019 22.732 26.808 31.205 36.015 41.310 80 13.419 16.899 20.620 24.638 29.046 33.798 38.990 44.709 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE -- ------ ------ ------ ------ ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.011 21 7 0.683 0.838 0.996 1.139 1.254 1.306 0.990 0.973 22 8 0.842 0.998 1.138 1.250 1.299 0.973 0.954 0.946 23 9 1.001 1.139 1.248 1.294 0.959 0.939 0.929 0.926 24 10 1.139 1.246 1.291 0.946 0.925 0.915 0.911 0.893 25 11 1.223 1.262 0.914 0.890 0.877 0.871 0.851 0.839 26 12 1.231 0.879 0.854 0.838 0.829 0.807 0.794 0.768 27 13 0.856 0.819 0.801 0.789 0.765 0.748 0.721 0.727 28 14 0.801 0.773 0.759 0.733 0.715 0.687 0.690 0.689 29 15 0.761 0.730 0.709 0.688 0.658 0.660 0.656 0.648 30 16 0.723 0.693 0.664 0.640 0.640 0.635 0.626 0.620 31 17 0.685 0.655 0.629 0.629 0.624 0.614 0.607 0.5_7 32 18 0.643 0.622 0.587 0.593 0.589 0.588 0.577 0.547 33 19 0.597 0.574 0.549 0.558 0.562 0.566 0.546 0.527 34 20 0.543 0.535 0.508 0.524 0.529 0.529 0.522 0.512 35 21 0.579 0.583 0.562 0.562 0.550 0.539 0.534 0.505 36 22 0.517 0.531 0.525 0.515 0.516 0.521 0.515 0.505 37 23 0.470 0.490 0.487 0.486 0.503 0.509 0.514 0.534 38 24 0.437 0.452 0.465 0.472 0.490 0.512 0.539 0.570 39 25 0.417 0.436 0.460 0.473 0.505 0.547 0.581 0.620 40 26 0.418 0.446 0.468 0.498 0.542 0.594 0.639 0.682 41 27 0.439 0.464 0.495 0.540 0.593 0.652 0.705 0.751 42 28 0.462 0.497 0.537 0.588 0.645 0.712 0.772 0.836 43 29 0.503 0.553 0.599 0.649 0.711 0.781 0.854 0.928 44 30 0.553 0.609 0.659 0.715 0.780 0.862 0.941 1.038 45 31 0.602 0.660 0.716 0.780 0.858 0.947 1.043 1.163 46 32 0.648 0.714 0.779 0.858 0.943 1.049 1.168 1.309 47 33 0.695 0.770 0.849 0.935 1.044 1.176 1.316 1.469 48 34 0.736 0.816 0.907 1.015 1.154 1.312 1.468 1.659 49 35 0.805 0.886 0.996 1.128 1.289 1.465 1.646 1.873 50 36 0.888 0.984 1.114 1.263 1.441 1.642 1.850 2.094 51 37 0.991 1.103 1.246 1.407 1.604 1.832 2.069 2.326 52 38 1.110 1.235 1.384 1.562 1.777 2.032 2.316 2.600 53 39 1.244 1.374 1.538 1.729 1.964 2.257 2.596 2.916 54 40 1.383 1.532 1.706 1.912 2.178 2.512 2.910 3.307 55 41 1.533 1.698 1.890 2.126 2.426 2.805 3.271 3.769 56 42 1.692 1.877 2.102 2.377 2.715 3.148 3.679 4.291 57 43 1.848 2.074 2.340 2.662 3.056 3.540 4.137 4.814 58 44 2.015 2.286 2.605 2.989 3.443 3.988 4.608 5.397 59 45 2.204 2.523 2.908 3.355 3.879 4.456 5.158 6.005 60 46 2.432 2.797 3.241 3.757 4.330 4.995 5.765 6.663 61 47 2.727 3.117 3.616 4.173 4.840 5.587 6.437 7.401 62 48 3.077 3.487 4.006 4.642 5.388 6.226 7.187 8.260 63 49 3.467 3.881 4.456 5.149 5.975 6.927 8.020 9.241 64 50 3.859 4.323 4.935 5.689 6.610 7.688 8.937 10.315 65 51 4.283 4.787 5.458 6.305 7.351 8.604 10.051 11.663 66 52 4.711 5.261 6.031 7.007 8.229 9.692 11.402 13.322 67 53 3.131 5.739 6.620 7.735 9.110 10.760 12.717 15.042 68 54 5.550 6.235 7.262 8.558 10.134 12.028 14.393 17.084 69 55 5.988 6.760 7.931 9.403 11.178 13.383 16.076 19.080 70 56 6.450 7.318 8.654 10.326 12.395 14.892 17.969 21.469 71 57 6.940 7.929 9.424 11.341 13.650 16.441 19.872 23.907 72 58 7.498 8.607 10.309 12.443 15.033 18.163 22.030 26.340 73 59 8.166 9.402 11.304 13.705 16.660 20.282 24.543 29.449 74 60 8.967 10.288 12.374 15.019 18.340 22.283 27.047 32.448 75 61 9.859 11.274 13.590 16.565 20.222 24.732 30.078 36.267 76 62 10.840 12.373 14.920 18.103 22.167 27.130 33.050 39.983 77 63 11.865 13.556 16.314 19.881 24.417 30.017 36.689 44.671 78 64 12.967 14.767 17.839 21.790 26.882 33.176 40.666 49.769 79 65 14.170 16.166 19.543 23.947 29.626 36.661 45.024 55.186 80 66 15.622 17.804 21.551 26.438 32.724 40.501 49.800 60.839 81 67 17.384 19.812 23.969 29.349 36.231 44.765 55.031 67.040 82 68 19.580 22.285 26.891 32.751 40.222 49.483 60.721 73.762 83 69 22.222 25.236 30.316 36.670 44.694 54.638 66.888 81.449 84 70 25.286 28.631 34.245 41.081 49.626 60.251 73.546 89.994 85 71 27.670 31.335 37.565 45.138 54.623 66.417 81.186 99.462 86 72 30.289 34.292 41.285 49.819 60.508 73.824 90.508 111.185 87 73 33.096 37.448 45.298 54.878 66.895 81.866 100.665 124.774 88 74 35.565 40.234 48.763 59.182 72.256 88.556 109.650 136.123 89 75 37.527 42.435 51.539 62.661 76.616 94.528 117.243 145.811 90 76 39.130 44.234 53.700 65.264 80.156 98.903 122.716 152.647 91 77 40.753 46.048 55.884 68.185 83.751 103.379 128.295 159.617 92 78 43.291 48.900 59.548 72.662 89.285 110.232 136.825 168.827 93 79 47.061 53.313 64.927 79.257 97.408 120.283 148.146 182.794 94 80 51.055 57.843 70.471 86.041 105.766 129.659 159.693 197.022 95
PREFERRED SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 -- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.220 15 0.693 0.830 0.954 1.055 1.124 1.162 1.211 1.168 16 0.840 0.963 1.021 1.078 1.113 1.188 1.162 1.130 17 0.966 1.023 1.048 1.072 1.164 1.136 1.112 1.088 18 0.966 1.011 1.034 1.112 1.124 1.077 1.052 1.035 19 0.924 0.979 1.053 1.055 1.049 1.003 0.986 0.966 20 0.861 0.973 0.996 0.990 0.973 0.914 0.914 0.903 21 0.805 0.900 0.946 0.949 0.940 0.896 0.937 0.950 22 0.714 0.808 0.862 0.864 0.853 0.840 0.854 0.874 23 0.643 0.722 0.781 0.781 0.788 0.773 0.793 0.824 24 0.567 0.640 0.694 0.718 0.723 0.725 0.746 0.778 25 0.516 0.575 0.641 0.665 0.693 0.705 0.728 0.764 26 0.486 0.550 0.607 0.644 0.691 0.715 0.742 0.778 27 0.485 0.534 0.596 0.651 0.701 0.738 0.776 0.818 28 0.495 0.549 0.612 0.671 0.726 0.773 0.818 0.875 29 0.526 0.582 0.642 0.706 0.773 0.828 0.888 0.955 30 0.560 0.621 0.685 0.746 0.820 0.890 0.952 1.038 31 0.583 0.656 0.717 0.792 0.863 0.943 1.023 1.129 32 0.602 0.680 0.756 0.829 0.910 1.000 1.113 1.233 33 0.605 0.697 0.779 0.870 0.970 1.081 1.208 1.342 34 0.592 0.697 0.796 0.903 1.027 1.151 1.289 1.437 35 0.599 0.724 0.842 0.982 1.115 1.261 1.410 1.575 36 0.616 0.771 0.922 1.080 1.244 1.404 1.580 1.764 37 0.658 0.836 1.014 1.204 1.389 1.570 1.764 1.977 38 0.716 0.922 1.140 1.352 1.558 1.757 1.973 2.219 39 0.788 1.042 1.282 1.517 1.741 1.968 2.211 2.470 40 0.878 1.172 1.442 1.708 1.948 2.194 2.458 2.746 41 0.970 1.303 1.621 1.910 2.176 2.437 2.715 3.022 42 1.064 1.445 1.795 2.119 2.407 2.690 2.989 3.324 43 1.158 1.580 1.974 2.321 2.640 2.946 3.266 3.619 44 1.254 1.720 2.147 2.534 2.870 3.205 3.544 3.910 45 1.361 1.863 2.329 2.759 3.125 3.481 3.840 4.218 46 1.463 2.006 2.519 3.003 3.413 3.789 4.169 4.593 47 1.566 2.174 2.743 3.273 3.743 4.146 4.562 5.025 48 1.669 2.359 2.993 3.577 4.121 4.588 5.043 5.550 49 1.783 2.557 3.262 3.916 4.546 5.083 5.603 6.162 50 1.893 2.775 3.552 4.283 4.985 5.604 6.200 6.816 51 2.008 2.998 3.869 4.666 5.429 6.132 6.794 7.449 52 2.130 3.238 4.193 5.052 5.863 6.628 7.334 8.014 53 2.259 3.478 4.512 5.421 6.279 7.056 7.776 8.507 54 2.403 3.721 4.830 5.787 6.669 7.425 8.169 8.970 55 2.554 3.987 5.176 6.168 7.046 7.804 8.575 9.419 56 2.735 4.282 5.557 6.577 7.456 8.226 9.026 9.922 57 2.955 4.631 5.983 7.050 7.931 8.730 9.575 10.498 58 3.215 5.037 6.497 7.625 8.526 9.376 10.249 11.188 59 3.513 5.509 7.099 8.292 7.258 10.149 11.044 11.976 60 3.848 6.037 7.756 9.029 10.089 11.009 11.917 12.851 61 4.240 6.592 8.438 9.814 10.955 11.904 12.835 13.826 62 4.676 7.149 9.108 10.621 11.800 12.802 13.798 14.855 63 5.155 7.782 9.841 11.430 12.619 13.675 14.725 15.864 64 5.682 8.519 10.654 12.244 13.451 14.539 15.639 16.855 65 6.253 9.270 11.487 13.056 14.309 15.448 16.606 17.966 66 6.854 9.975 12.254 13.853 15.205 16.437 17.740 19.221 67 7.505 10.559 12.872 14.623 16.148 17.581 19.044 20.777 68 6.184 11.048 13.381 15.345 17.158 18.859 20.659 22.842 69 8.905 11.511 13.840 16.047 18.188 20.322 22.683 25.313 70 9.655 11.914 14.258 16.687 19.258 22.029 24.972 28.133 71 10.356 12.782 15.270 17.851 20.682 23.637 26.784 30.152 72 11.105 13.688 16.335 19.176 22.198 25.358 28.713 32.293 73 11.876 14.625 17.526 20.552 23.781 27.144 30.703 34.524 74 12.486 15.437 18.477 21.659 25.044 28.562 32.298 36.286 75 12.942 15.983 19.126 22.405 25.882 29.506 33.339 37.423 76 13.249 16.356 19.559 22.892 26.433 30.113 33.994 38.124 77 13.547 16.711 19.967 23.361 26.952 30.676 34.600 38.762 78 14.123 17.408 20.792 24.305 28.016 31.860 35.898 40.182 79 15.061 18.556 22.145 25.864 29.787 33.838 38.094 42.595 80 15.984 19.676 23.460 27.377 31.497 35.750 40.203 44.910 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE -- ------ ------ ------ ------ ------- ------- ------- -------- 0 O.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.566 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.517 1.530 22 8 0.842 0.998 1.138 1.250 1.299 1.477 1.486 1.509 23 9 1.001 1.139 1.248 1.294 1.441 1.447 1.468 1.502 24 10 1.139 1.246 1.291 1.406 1.412 1.431 1.463 1.478 25 11 1.223 1.262 1.343 1.343 1.357 1.384 1.394 1.414 26 12 1.231 1.278 1.274 1.283 1.304 1.310 1.324 1.326 27 13 1.243 1.209 1.213 1.227 1.228 1.236 1.233 1.287 28 14 1.181 1.157 1.167 1.164 1.168 1.162 1.210 1.256 29 15 1.139 l.lll 1.114 1.113 1.102 1.145 1.185 1.237 30 16 1.099 1.076 1.063 1.059 1.099 1.135 1.183 1.220 31 17 1.063 1.036 1.031 1.069 1.103 1.149 1.183 1.179 32 18 1.016 1.007 0.986 1.038 1.092 1.133 1.148 1.128 33 19 0.966 0.954 0.950 1.022 1.073 1.115 1.115 1.111 34 20 0.902 0.915 0.921 0.990 1.032 1.069 1.090 1.085 35 21 0.991 1.045 1.050 1.084 1.101 1.114 1.120 1.093 36 22 0.926 0.980 1.001 1.020 1.054 1.081 1.104 1.103 37 23 0.867 0.923 0.953 0.982 1.033 1.080 1.110 1.185 38 24 0.823 0.874 0.930 0.960 1.029 1.095 1.184 1.278 39 25 0.807 0.862 0.925 0.982 1.069 1.189 1.289 1.408 40 26 0.827 0.887 0.960 1.043 1.166 1.305 1.438 1.568 41 27 0.873 0.942 1.026 1.149 1.289 1.451 1.605 1.742 42 28 0.938 1.017 1.131 1.264 1.421 1.606 1.774 1.953 43 29 1.030 1.151 1.274 1.416 1.587 1.776 1.976 2.189 44 30 1.151 1.280 1.421 1.578 1.756 1.973 2.198 2.463 45 31 1.264 1.407 1.564 1.737 1.944 2.190 2.451 2.747 46 32 1.382 1.541 1.714 1.922 2.158 2.440 2.732 3.080 47 33 1.500 1.675 1.882 2.118 2.403 2.723 3.066 3.442 48 34 1.601 1.789 2.032 2.311 2.644 3.025 3.405 3.872 49 35 1.764 1.963 2.244 2.557 2.942 3.364 3.805 4.345 50 36 1.967 2.192 2.497 2.852 3.274 3.758 4.249 4.820 51 37 2.206 2.444 2.783 3.163 3.632 4.166 4.717 5.283 52 38 2.461 2.727 3.079 3.498 3.998 4.584 5.207 5.838 53 39 2.747 3.021 3.406 3.849 4.386 5.024 5.772 6.463 54 40 3.040 3.354 3.755 4.223 4.798 5.528 6.386 7.205 55 41 3.357 3.696 4.128 4.633 5.283 6.093 7.057 8.068 56 42 3.684 4.053 4.531 5.121 5.835 6.722 7.798 9.016 57 43 3.991 4.420 4.986 5.661 6.458 7.427 8.608 9.947 58 44 4.293 4.815 5.479 6.250 7.149 8.214 9.428 10.887 59 45 4.642 5.247 6.013 6.891 7.906 9.024 10.302 11.839 60 46 5.057 5.719 6.583 7.576 8.677 9.875 11.253 12.874 61 47 5.576 6.261 7.211 8.273 9.470 10.796 12.315 14.017 62 48 6.181 6.875 7.855 8.986 10.303 11.791 13.478 15.336 63 49 6.836 7.523 8.531 9.739 11.196 12.860 14.744 16.803 64 50 7.480 8.182 9.234 10.546 12.143 13.990 16.089 18.368 65 51 8.107 8.855 10.008 11.459 13.239 15.334 17.723 20.331 66 52 8.713 9.538 10.840 12.485 14.513 16.918 19.680 22.722 67 53 9.302 10.199 11.664 13.495 15.737 18.384 21.477 25.078 68 54 9.862 10.862 12.531 14.624 17.134 20.107 23.760 27.836 69 55 10.431 11.532 13.404 15.730 18.493 21.869 25.939 30.367 70 56 11.003 12.228 14.318 16.900 20.044 23.783 28.317 33.355 71 57 11.596 12.969 15.253 18.143 21.573 25.647 30.570 36.235 72 58 12.265 13.774 16.311 19.455 23.207 27.659 33.062 38.930 73 59 13.068 14.708 17.479 20.931 25.106 30.132 35.917 42.407 74 60 14.027 15.728 18.690 22.391 26.963 32.280 38.565 45.806 75 61 15.073 16.836 20.037 24.094 28.989 34.908 42.043 50.160 76 62 16.187 18.036 21.461 25.674 30.963 37.539 45.261 54.164 77 63 17.295 19.278 22.883 27.473 33.433 40.692 49.213 59.245 78 64 18.440 20.477 24.380 29.518 36.064 44.051 53.403 64.592 79 65 19.650 21.843 26.182 31.782 38.929 47.656 57.858 70.059 80 66 21.107 23.583 28.287 34.368 42.096 51.520 62.600 75.497 81 67 23.026 25.710 30.816 37.350 45.610 55.702 67.619 81.295 82 68 25.409 28.326 33.846 40.788 49.528 60.187 72.908 87.353 83 69 28.245 31.403 37.340 44.672 53.797 64.941 78.434 94.133 84 70 31.465 34.864 41.258 48.919 58.371 69.937 84.164 101.453 85 71 33.694 37.325 44.240 52.524 62.745 75.238 90.624 109.302 86 72 36.078 39.927 47.512 56.615 67.832 81.573 98.484 119.033 87 73 38.535 42.608 50.910 60.862 73.149 88.180 106.711 131.214 88 74 40.465 44.707 53.485 64.023 77.020 92.926 114.176 140.564 89 75 41.699 46.016 55.140 66.078 79.561 97.435 119.877 147.801 90 76 42.432 46.788 56.005 67.047 81.762 100.103 123.169 151.840 91 77 43.106 47.480 56.779 68.807 83.886 102.712 126.362 155.768 92 78 44.638 49.120 59.430 72.001 87.786 107.473 132.212 163.147 93 79 47.273 52.604 63.628 77.093 93.983 115.053 141.754 174.907 94 80 50.376 56.043 67.793 82.128 100.116 122.811 151.300 186.653 95
NON-SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.213 15 0.693 0.830 0.954 1.055 1.124 1.162 1.204 1.144 16 0.840 0.963 1.021 1.078 1.113 1.181 1.138 1.091 17 0.966 1.023 1.048 1.072 1.157 1.112 1.073 1.034 18 0.966 1.011 1.034 1.105 1.100 1.039 0.999 0.963 19 0.924 0.979 1.047 1.033 1.013 0.952 0.917 0.882 20 0.861 0.967 0.975 0.955 0.924 0.850 0.835 0.805 21 0.800 0.881 0.913 0.902 0.874 0.819 0.836 0.826 22 0.699 0.780 0.819 0.803 0.779 0.749 0.742 0.737 23 0.621 0.686 0.727 0.713 0.703 0.672 0.669 0.664 24 0.538 0.595 0.633 0.641 0.629 0.612 0.601 0.609 25 0.480 0.525 0.572 0.578 0.585 0.568 0.570 0.585 26 0.444 0.490 0.528 0.543 0.557 0.559 0.569 0.581 27 0.432 0.464 0.503 0.525 0.549 0.566 0.579 0.598 28 0.431 0.463 0.494 0.525 0.556 0.577 0.597 0.635 29 0.444 0.469 0.502 0.541 0.577 0.605 0.645 0.680 30 0.452 0.485 0.525 0.557 0.598 0.646 0.677 0.732 31 0.456 0.502 0.535 0.578 0.627 0.671 0.722 0.784 32 0.462 0.508 0.552 0.602 0.648 0.706 0.773 0.847 33 0.452 0.509 0.566 0.619 0.684 0.751 0.830 0.909 34 0.432 0.506 0.566 0.637 0.713 0.791 0.873 0.962 35 0.435 0.515 0.594 0.682 0.766 0.854 0.944 1.046 36 0.438 0.544 0.640 0.742 0.843 0.939 1.049 1.163 37 0.464 0.580 0.697 0.816 0.930 1.042 1.163 1.290 38 0.497 0.634 0.772 0.905 1.034 1.158 1.287 1.440 39 0.541 0.706 0.858 1.007 1.147 1.284 1.434 1.610 40 0.595 0.784 0.957 1.126 1.270 1.423 1.602 1.797 41 0.650 0.865 1.068 1.246 1.412 1.588 1.777 1.986 42 0.706 0.952 1.170 1.374 1.569 1.760 1.964 2.192 43 0.763 1.031 1.280 1.513 1.727 1.935 2.154 2.402 44 0.818 1.116 1.399 1.658 1.885 2.114 2.352 2.615 45 0.883 1.214 1.524 1.813 2.061 2.310 2.568 2.860 46 0.953 1.313 1.655 1.981 2.265 2.534 2.826 3.149 47 1.025 1.428 1.809 2.172 2.503 2.811 3.128 3.491 48 1.097 1.556 1.986 2.392 2.794 3.146 3.504 3.921 49 1.176 1.697 2.182 2.654 3.117 3.531 3.959 4.431 50 1.256 1.856 2.408 2.937 3.463 3.960 4.459 4.993 51 1.343 2.033 2.653 3.241 3.836 4.410 4.977 5.550 52 1.444 2.221 2.912 3.569 4.216 4.855 5.464 6.116 53 1.549 2.416 3.188 3.898 4.600 5.257 5.934 6.644 54 1.670 2.629 3.473 4.239 4.969 5.666 6.380 7.148 55 1.804 2.867 3.792 4.596 5.377 6.094 6.833 7.656 56 1.967 3.137 4.140 5.019 5.823 6.554 7.337 8.227 57 2.165 3.450 4.566 5.505 6.319 7.096 7.939 8.889 58 2.396 3.844 5.074 6.076 6.930 7.774 8.678 9.672 59 2.681 4.302 5.657 6.740 7.677 8.593 9.547 10.576 60 3.005 4.811 6.304 7.487 8.542 9.517 10.524 11.599 61 3.379 5.358 6.996 8.310 9.471 10.513 11.585 12.767 62 3.800 5.928 7.712 9.182 10.421 11.555 12.742 14.035 63 4.274 6.589 8.508 10.094 11.390 12.627 13.913 15.345 64 4.811 7.364 9.409 11.051 12.420 13.737 15.128 16.702 65 5.406 8.187 10.368 12.056 13.520 14.942 16.455 18.248 66 6.053 9.004 11.315 13.089 14.708 16.287 18.018 20.021 67 6.774 9.750 12.162 14.145 16.001 17.857 19.836 22.212 68 7.558 10.439 12.943 15.205 17.427 19.644 22.086 24.910 69 8.414 11.135 13.714 16.299 18.945 21.725 24.737 28.175 70 9.340 11.805 14.482 17.381 20.588 24.024 27.796 31.971 71 10.262 12.982 15.906 19.083 22.555 26.310 30.438 35.000 72 11.279 14.258 17.463 20.912 24.708 28.817 33.330 38.306 73 12.370 15.635 19.113 22.876 27.024 31.509 36.420 41.866 74 13.348 16.835 20.566 24.613 29.071 33.881 39.167 45.015 75 14.114 17.790 21.735 26.008 30.701 35.781 41.359 47.510 76 14.748 18.587 22.704 27.154 32.055 37.357 43.156 49.559 77 15.395 19.397 23.684 28.329 33.436 38.944 44.978 51.632 78 16.394 20.649 25.213 30.153 35.568 41.417 47.817 54.873 79 17.865 22.502 27.472 32.835 38.722 45.074 52.021 59.671 80 19.383 24.410 29.784 35.589 41.955 48.820 56.319 64.579 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------- ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.224 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.235 1.178 22 8 0.842 0.998 1.138 1.250 1.299 1.251 1.191 1.145 23 9 1.001 1.139 1.248 1.294 1.270 1.207 1.159 1.122 24 10 1.139 1.246 1.291 1.291 1.225 1.176 1.137 1.081 25 11 1.223 1.262 1.282 1.214 1.162 1.120 1.062 1.016 26 12 1.231 1.270 1.198 1.143 1.098 1.038 0.990 0.930 27 13 1.236 1.183 1.124 1.076 1.013 0.962 0.900 0.880 28 14 1.157 1.116 1.065 0.999 0.946 0.883 0.861 0.834 29 15 1.099 1.055 0.995 0.939 0.872 0.848 0.819 0.785 30 16 1.044 1.001 0.933 0.872 0.847 0.817 0.781 0.750 31 17 0.989 0.946 0.883 0.857 0.826 0.789 0.758 0.711 32 18 0.928 0.898 0.823 0.809 0.781 0.756 0.720 0.662 33 19 0.862 0.829 0.770 0.761 0.745 0.728 0.682 0.638 34 20 0.784 0.773 0.713 0.715 0.701 0.680 0.651 0.620 35 21 0.837 0.843 0.789 0.767 0.729 0.693 0.666 0.611 36 22 0.747 0.767 0.737 0.703 0.683 0.669 0.643 0.612 37 23 3.678 0.707 0.683 0.662 0.666 0.655 0.641 0.647 38 24 0.631 0.652 0.653 0.643 0.649 0.658 0.673 0.690 39 25 0.602 0.629 0.646 0.645 0.669 0.703 0.725 0.750 40 26 0.604 0.644 0.656 0.679 0.718 0.764 0.797 0.825 41 27 0.634 0.670 0.695 0.736 0.785 0.838 0.879 0.909 42 28 0.668 0.718 0.754 0.802 0.854 0.916 0.964 1.012 43 29 0.727 0.799 0.841 0.886 0.942 1.004 1.066 1.123 44 30 0.799 0.880 0.925 0.975 1.034 1.108 1.174 1.256 45 31 0.869 0.953 1.006 1.064 1.136 1.217 1.302 1.408 46 32 0.936 1.032 1.093 1.169 1.248 1.349 1.458 1.585 47 33 1.004 1.112 1.192 1.275 1.382 1.512 1.642 1.778 48 34 1.063 1.179 1.273 1.384 1.528 1.687 1.831 2.008 49 35 1.162 1.280 1.398 1.539 1.707 1.883 2.054 2.267 50 36 1.283 1.422 1.564 1.723 1.908 2.112 2.308 2.535 51 37 1.431 1.593 1.750 1.918 2.124 2.356 2.582 2.816 52 38 1.604 1.784 1.943 2.130 2.353 2.612 2.889 3.148 53 39 1.798 1.985 2.158 2.358 2.601 2.902 3.240 3.530 54 40 1.997 2.212 2.394 2.607 2.885 3.230 3.631 4.003 55 41 2.214 2.452 2.652 2.899 3.212 3.607 4.082 4.562 56 42 2.444 2.711 2.951 3.241 3.595 4.047 4.591 5.194 57 43 2.669 2.996 3.285 3.630 4.047 4.551 5.162 5.828 58 44 2.910 3.302 3.657 4.076 4.560 5.127 5.750 6.533 59 45 3.183 3.645 4.081 4.575 5.137 5.729 6.436 7.270 60 46 3.513 4.040 4.549 5.123 5.734 6.422 7.194 8.066 61 47 3.939 4.503 5.075 5.690 6.409 7.184 8.032 8.959 62 48 4.445 5.036 5.623 6.330 7.136 8.005 8.968 9.999 63 49 5.008 5.605 6.255 7.021 7.912 8.906 10.008 11.187 64 50 5.573 6.244 6.928 7.757 8.754 9.884 11.151 12.486 65 51 6.187 6.915 7.661 8.597 9.736 11.063 12.541 14.118 66 52 6.804 7.600 8.465 9.556 10.898 12.462 14.227 16.127 67 53 7.412 8.290 9.292 10.547 12.065 13.834 15.868 18.209 68 54 8.016 9.006 10.194 11.670 13.420 15.464 17.960 20.681 69 55 8.650 9.764 11.133 12.823 14.803 17.207 20.062 23.097 70 56 9.317 10.571 12.148 14.081 16.415 19.147 22.422 25.989 71 57 10.024 11.453 13.228 15.465 18.077 21.138 24.796 28.940 72 58 10.831 12.433 14.470 16.968 19.908 23.353 27.489 31.886 73 59 11.795 13.581 15.867 18.689 22.063 26.077 30.624 35.649 74 60 12.952 14.860 17.369 20.480 24.289 28.650 33.749 39.279 75 61 14.241 16.285 19.076 22.589 26.780 31.798 37.531 43.902 76 62 15.657 17.872 20.943 24.686 29.357 34.881 41.239 48.400 77 63 17.138 19.581 22.900 27.111 32.335 38.593 45.780 54.076 78 64 18.730 21.330 25.041 29.714 35.601 42.655 50.743 60.247 79 65 20.468 23.351 27.431 32.655 39.235 47.135 56.180 66.804 80 66 22.565 25.718 30.250 36.051 43.337 52.073 62.140 73.647 81 67 25.110 28.617 33.645 40.021 47.982 57.555 68.667 81.154 82 68 28.283 32.189 37.746 44.661 53.267 63.621 75.767 89.290 83 69 32.098 36.452 42.554 50.004 59.189 70.249 83.462 98.596 84 70 36.524 41.356 48.068 56.020 65.721 77.465 91.770 108.940 85 71 39.967 45.262 52.729 61.552 72.339 85.394 101.303 120.401 86 72 43.750 49.532 57.951 67.935 80.133 94.917 112.935 134.593 87 73 47.806 54.092 63.583 74.833 88.591 105.256 125.608 151.042 88 74 51.371 58.116 68.447 80.703 95.690 113.857 136.820 164.781 89 75 54.206 61.295 72.344 85.447 101.465 121.536 146.294 176.507 90 76 56.521 63.893 75.377 88.996 106.153 127.161 153.124 184.783 91 77 58.865 66.514 78.442 92.979 110.914 132.916 160.085 193.221 92 78 62.532 70.634 83.586 99.084 118.243 141.727 170.729 204.369 93 79 67.977 77.008 91.136 108.078 128.999 154.650 184.854 221.277 94 80 73.746 83.550 98.916 117.329 140.069 166.704 199.263 238.501 95
SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.891 15 0.693 0.830 0.954 1.055 1.124 1.162 1.878 1.811 16 0.840 0.963 1.021 1.078 1.113 1.841 1.802 1.752 17 0.966 1.023 1.048 1.072 1.803 1.760 1.723 1.687 18 0.966 1.011 1.034 1.723 1.742 1.670 1.631 1.605 19 0.924 0.979 1.633 1.635 1.627 1.554 1.528 1.498 20 0.861 1.508 1.544 1.534 1.508 1.416 1.416 1.399 21 1.247 1.396 1.467 1.471 1.457 1.389 1.453 1.473 22 1.107 1.253 1.336 1.338 1.322 1.302 1.323 1.354 23 0.997 1.120 1.211 1.210 1.222 1.198 1.229 1.277 24 0.879 0.992 1.075 1.113 1.121 1.123 1.156 1.206 25 0.799 0.892 0.994 1.030 1.073 1.093 1.129 1.184 26 0.753 0.852 0.941 0.998 1.071 1.108 1.150 1.206 27 0.752 0.828 0.924 1.010 1.087 1.144 1.203 1.268 28 0.768 0.850 0.949 1.041 1.125 1.199 1.268 1.356 29 0.815 0.902 0.995 1.094 1.198 1.284 1.376 1.481 30 0.868 0.962 1.062 1.156 1.270 1.379 1.475 1.608 31 0.904 1.016 1.111 1.227 1.338 1.461 1.586 1.749 32 0.934 1.054 1.172 1.285 1.411 1.550 1.725 1.911 33 0.938 1.080 1.208 1.349 1.503 1.676 1.873 2.080 34 0.917 1.080 1.233 1.400 1.592 1.785 1.998 2.228 35 0.929 1.122 1.306 1.522 1.728 1.954 2.185 2.442 36 0.955 1.194 1.428 1.674 1.928 2.175 2.449 2.735 37 1.020 1.296 1.571 1.866 2.153 2.433 2.735 3.065 38 1.110 1.429 1.766 2.095 2.415 2.723 3.058 3.440 39 1.221 1.615 1.988 2.351 2.698 3.051 3.427 3.829 40 1.361 1.816 2.236 2.648 3.019 3.401 3.810 4.256 41 1.504 2.020 2.513 2.961 3.373 3.777 4.208 4.685 42 1.649 2.239 2.782 3.284 3.730 4.169 4.633 5.152 43 1.795 2.449 3.060 3.598 4.092 4.566 5.062 5.610 44 1.943 2.667 3.328 3.927 4.448 4.967 5.494 6.061 45 2.109 2.887 3.611 4.277 4.844 5.395 5.953 6.538 46 2.267 3.110 3.904 4.655 5.291 5.873 6.461 7.118 47 2.427 3.369 4.251 5.073 5.801 6.426 7.070 7.789 48 2.588 3.657 4.639 5.544 6.387 7.112 7.817 8.603 49 2.763 3.963 5.057 6.069 7.046 7.879 8.685 9.551 50 2.934 4.301 5.506 6.639 7.727 8.687 9.610 10.565 51 3.113 4.647 5.997 7.232 8.415 9.505 10.531 11.546 52 3.301 5.020 6.498 7.831 9.087 10.273 11.367 12.421 53 3.501 5.390 6.994 8.402 9.732 10.936 12.053 13.187 54 3.725 5.768 7.486 8.969 10.337 11.508 12.663 13.904 55 3.958 6.180 8.022 9.561 10.921 12.096 13.292 14.600 56 4.239 6.637 8.613 10.194 11.557 12.750 13.991 15.379 57 4.580 7.178 9.273 10.927 12.293 13.531 14.841 16.273 58 4.983 7.807 10.071 11.819 13.216 14.533 15.885 17.341 59 5.446 8.538 11.004 12.853 14.350 15.731 17.118 18.563 60 5.965 9.358 12.022 13.995 15.638 17.063 18.471 19.919 61 6.573 10.217 13.079 15.212 16.981 18.451 19.894 21.430 62 7.247 11.081 14.118 16.463 18.290 19.843 21.388 23.025 63 7.990 12.062 15.254 17.717 19.560 21.196 22.824 24.589 64 8.806 13.204 16.514 18.978 20.848 22.536 24.241 26.126 65 9.693 14.368 17.805 20.237 22.180 23.944 25.739 27.847 66 10.624 15.462 18.993 21.471 23.569 25.477 27.497 29.792 67 11.633 16.366 19.952 22.666 25.030 27.250 29.518 32.204 68 12.686 17.125 20.741 23.784 26.595 29.232 32.021 35.406 69 13.803 17.843 21.452 24.873 28.191 31.498 35.159 39.235 70 14.966 18.467 22.100 25.864 29.850 34.146 38.706 43.607 71 16.052 19.811 23.669 27.668 32.058 36.637 41.516 46.735 72 17.212 21.216 25.320 29.723 34.407 39.305 44.505 50.054 73 18.408 22.668 27.166 31.856 36.860 42.074 47.590 53.512 74 19.353 23.928 28.639 33.571 38.818 44.272 50.062 56.243 75 20.060 24.774 29.646 34.728 40.117 45.734 51.675 58.006 76 20.537 25.352 30.316 35.483 40.972 46.674 52.690 59.092 77 20.998 25.901 30.948 36.209 41.775 47.547 53.629 60.0_1 78 21.891 26.982 32.227 37.674 43.426 49.384 55.642 62.283 79 23.344 28.762 34.324 40.089 46.171 52.450 59.046 66.022 80 24.774 30.498 36.364 42.435 48.820 55.412 62.314 69.611 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------- ------- ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.949 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.958 1.904 22 8 0.842 0.998 1.138 1.250 1.299 1.976 1.917 1.878 23 9 1.001 1.139 1.248 1.294 2.000 1.937 1.894 1.869 24 10 1.139 1.246 1.291 2.025 1.960 1.915 1.888 1.840 25 11 1.223 1.262 2.006 1.934 1.884 1.852 1.800 1.760 26 12 1.231 1.981 1.903 1.848 1.810 1.753 1.709 1.651 27 13 1.927 1.874 1.811 1.767 1.704 1.654 1.591 1.601 28 14 1.831 1.793 1.744 1.676 1.622 1.555 1.562 1.563 29 15 1.766 1.722 1.664 1.603 1.530 1.533 1.529 1.540 30 16 1.703 1.668 1.588 1.525 1.526 1.520 1.527 1.518 31 17 1.648 1.606 1.540 1.539 1.532 1.538 1.527 1.468 32 18 1.575 1.561 1.473 1.495 1.515 1.517 1.481 1.404 33 19 1.497 1.479 1.419 1.471 1.490 1.493 1.440 1.382 34 20 1.398 1.419 1.376 1.426 1.432 1.431 1.406 1.351 35 21 1.536 1.620 1.569 1.561 1.528 1.491 1.445 1.360 36 22 1.436 1.520 1.496 1.469 1.464 1.447 1.425 1.372 37 23 1.344 1.431 1.423 1.414 1.434 1.446 1.432 1.475 38 24 1.276 1.354 1.389 1.382 1.428 1.466 1.528 1.590 39 25 1.251 1.336 1.382 1.414 1.484 1.591 1.663 1.753 40 26 1.281 1.374 1.435 1.503 1.619 1.747 1.855 1.951 41 27 1.353 1.460 1.533 1.654 1.789 1.943 2.071 2.168 42 28 1.455 1.576 1.689 1.820 1.973 2.149 2.289 2.430 43 29 1.597 1.784 1.903 2.039 2.203 2.377 2.550 2.724 44 30 1.784 1.984 2.123 2.272 2.437 2.641 2.837 3.065 45 31 1.960 2.181 2.336 2.501 2.698 2.931 3.164 3.419 46 32 2.142 2.389 2.561 2.768 2.996 3.266 3.526 3.832 47 33 2.326 2.597 2.811 3.050 3.336 3.644 3.957 4.283 48 34 2.482 2.773 3.035 3.328 3.670 4.049 4.395 4.819 49 35 2.733 3.043 3.352 3.683 4.084 4.502 4.911 5.408 50 36 3.049 3.398 3.731 4.107 4.546 5.029 5.484 5.999 51 37 3.419 3.787 4.157 4.555 5.042 5.576 6.087 6.574 52 38 3.814 4.226 4.599 5.038 5.550 6.135 6.720 7.265 53 39 4.258 4.683 5.088 5.543 6.089 6.724 7.449 8.043 54 40 4.712 5.199 5.610 6.081 6.660 7.399 8.241 8.966 55 41 5.204 5.728 6.167 6.672 7.334 8.155 9.108 10.040 56 42 5.709 6.282 6.769 7.374 8.100 8.998 10.064 11.220 57 43 6.186 6.851 7.449 8.152 8.966 9.941 11.109 12.378 58 44 6.655 7.463 8.185 9.000 9.924 10.994 12.167 13.548 59 45 7.196 8.132 8.982 9.923 10.975 12.078 13.296 14.733 60 46 7.838 8.864 9.835 10.910 12.046 13.218 14.523 16.020 61 47 8.642 9.705 10.772 11.913 13.146 14.450 15.893 17.444 62 48 9.581 10.656 11.735 12.939 14.303 15.782 17.394 19.085 63 49 10.596 11.661 12.744 14.025 15.543 17.212 19.029 20.910 64 50 11.595 12.682 13.794 15.187 16.858 18.725 20.764 22.858 65 51 12.566 13.725 14.951 16.500 18.379 20.524 22.872 25.301 66 52 13.505 14.784 16.193 17.978 20.147 22.644 25.399 28.277 67 53 14.418 15.809 17.425 19.433 21.846 24.607 27.717 31.208 68 54 15.286 16.835 18.720 21.059 23.787 26.913 30.664 34.640 69 55 16.169 17.875 20.024 22.651 25.672 29.271 33.476 37.790 70 56 17.055 18.953 21.389 24.336 27.826 31.833 36.546 41.508 71 57 17.973 20.102 22.787 26.126 29.948 34.327 39.452 45.093 72 58 19.010 21.350 24.366 28.015 32.217 37.020 42.669 48.446 73 59 20.255 22.797 26.112 30.141 34.853 40.330 46.353 52.774 74 60 21.741 24.378 27.921 32.243 37.431 43.205 49.771 57.003 75 61 23.362 26.096 29.933 34.695 40.244 46.722 54.259 62.422 76 62 25.089 27.956 32.061 36.971 42.984 50.244 58.413 67.405 77 63 26.808 29.882 34.184 39.560 46.413 54.465 63.513 73.727 78 64 28.583 31.740 36.420 42.506 50.065 58.961 68.920 80.381 79 65 30.458 33.856 39.112 45.766 54.043 63.786 74.670 87.184 80 66 32.716 36.553 42.258 49.490 58.439 68.958 80.789 93.952 81 67 35.690 39.851 46.035 53.785 63.317 74.555 87.266 101.167 82 68 39.385 43.905 50.562 58.735 68.757 80.558 94.092 108.706 83 69 43.780 48.674 55.781 64.327 74.683 86.921 101.224 117.144 84 70 48.770 54.040 61.634 70.444 81.032 93.607 108.620 126.252 85 71 52.225 57.853 66.089 75.634 87.105 100.703 116.956 136.020 86 72 55.921 61.887 70.977 81.525 94.166 109.183 127.100 148.131 87 73 59.729 66.042 76.053 87.641 101.548 118.025 137.717 163.289 88 74 62.720 69.296 79.899 92.193 106.922 124.377 147.352 174.924 89 75 64.633 71.325 82.372 95.152 110.450 130.412 154.709 183.930 90 76 65.770 72.522 83.664 96.548 113.505 133.984 158.957 188.956 91 77 66.815 73.594 84.821 99.083 116.454 137.476 163.079 193.844 92 78 69.188 76.136 88.781 103.681 121.868 143.849 170.629 203.027 93 79 73.273 81.536 95.052 111.014 130.471 153.994 182.942 217.662 94 80 78.083 86.866 101.274 118.265 138.984 164.377 195.263 232.279 95
PREFERRED NON-SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ----- ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.409 15 0.317 0.382 0.442 0.492 0.527 0.548 0.411 0.393 16 0.384 0.444 0.475 0.506 0.527 0.406 0.395 0.379 17 0.451 0.482 0.498 0.514 0.404 0.392 0.379 0.367 18 0.460 0.486 0.502 0.391 0.393 0.373 0.360 0.351 19 0.449 0.480 0.374 0.372 0.367 0.347 0.338 0.329 20 0.426 0.349 0.355 0.350 0.341 0.318 0.316 0.306 21 0.308 0.338 0.347 0.340 0.329 0.307 0.311 0.308 22 0.294 0.325 0.339 0.332 0.321 0.306 0.304 0.300 23 0.287 0.315 0.334 0.327 0.319 0.306 0.303 0.302 24 0.276 0.305 0.324 0.324 0.319 0.309 0.305 0.308 25 0.268 0.293 0.316 0.320 0.322 0.314 0.314 0.321 26 0.255 0.280 0.302 0.309 0.318 0.318 0.321 0.330 27 0.256 0.275 0.296 0.310 0.323 0.331 0.340 0.351 28 0.260 0.278 0.297 0.315 0.331 0.345 0.357 0.378 29 0.268 0.284 0.302 0.324 0.346 0.363 0.385 0.410 30 0.278 0.298 0.320 0.340 0.366 0.392 0.415 0.447 31 0.284 0.311 0.332 0.358 0.386 0.417 0.447 0.486 32 0.286 0.315 0.342 0.370 0.402 0.436 0.478 0.523 33 0.280 0.315 0.347 0.383 0.422 0.463 0.511 0.559 34 0.271 0.315 0.355 0.397 0.445 0.493 0.543 0.596 35 0.271 0.323 0.371 0.425 0.477 0.531 0.585 0.645 36 0.271 0.334 0.393 0.455 0.516 0.573 0.637 0.703 37 0.280 0.351 0.420 0.491 0.558 0.623 0.692 0.767 38 0.301 0.383 0.466 0.545 0.620 0.691 0.767 0.854 39 0.328 0.427 0.518 0.605 0.686 0.767 0.853 0.951 40 0.354 0.466 0.566 0.662 0.747 0.832 0.931 1.040 41 0.379 0.503 0.618 0.720 0.812 0.907 1.011 1.124 42 0.411 0.552 0.678 0.792 0.899 1.004 1.115 1.239 43 0.435 0.587 0.725 0.852 0.968 1.080 1.196 1.329 44 0.458 0.621 0.774 0.913 1.034 1.153 1.279 1.419 45 0.483 0.660 0.824 0.976 1.105 1.233 1.369 1.520 46 0.508 0.697 0.875 1.042 1.187 1.326 1.474 1.643 47 0.534 0.741 0.934 1.117 1.285 1.438 1.601 1.786 48 0.558 0.788 1.002 1.205 1.402 1.579 1.758 1.966 49 0.584 0.839 1.077 1.306 1.534 1.737 1.946 2.177 50 0.608 0.898 1.161 1.416 1.669 1.907 2.146 2.403 51 0.651 0.982 1.282 1.566 1.852 2.128 2.402 2.680 52 0.700 1.076 1.411 1.728 2.040 2.349 2.645 2.952 53 0.752 1.173 1.547 1.891 2.231 2.552 2.872 3.208 54 0.813 1.279 1.689 2.061 2.418 2.749 3.088 3.450 55 0.880 1.398 1.848 2.242 2.615 2.958 3.306 3.695 56 0.961 1.533 2.025 2.447 2.833 3.180 3.549 3.968 57 1.061 1.692 2.232 2.685 3.073 3.441 3.839 4.284 58 1.178 1.884 2.481 2.962 3.370 3.768 4.193 4.663 59 1.317 2.109 2.765 3.286 3.731 4.162 4.614 5.101 60 1.477 2.358 3.081 3.647 4.148 4.612 5.088 5.592 61 1.660 2.625 3.417 4.045 4.601 5.096 5.599 6.131 62 1.867 2.903 3.764 4.472 5.064 5.599 6.138 6.715 63 2.098 3.224 4.154 4.918 5.533 6.101 6.680 7.307 64 2.360 3.605 4.596 5.382 6.020 6.620 7.233 7.914 65 2.653 4.009 5.062 5.861 6.538 7.173 7.832 8.593 66 2.972 4.407 5.518 6.352 7.089 7.788 8.528 9.435 67 3.324 4.769 5.924 6.846 7.686 8.495 9.391 10.464 68 3.708 5.102 6.290 7.337 8.333 9.342 10.446 11.736 69 4.127 5.433 6.648 7.833 9.051 10.318 11.696 13.279 70 4.575 5.749 6.995 8.342 9.817 11.399 13.140 15.062 71 5.020 6.303 7.669 9.137 10.741 12.475 14.376 16.427 72 5.504 6.906 8.395 9.994 11.752 13.645 15.683 17.916 73 6.019 7.547 9.166 10.914 12.829 14.864 17.077 19.505 74 6.469 8.102 9.841 11.714 13.749 15.927 18.294 20.884 75 6.817 8.539 10.371 12.331 14.469 16.755 19.237 21.956 76 7.100 8.891 10.792 12.830 15.048 17.419 19.995 22.818 77 7.383 9.244 11.219 13.333 15.630 18.089 20.761 23.685 78 7.832 9.806 11.897 14.132 16.563 19.166 21.991 25.083 79 8.505 10.645 12.908 15.329 17.965 20.782 23.839 27.188 80 9.192 11.498 13.940 16.553 19.393 22.429 25.727 29.337 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------ ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.415 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.414 0.398 22 8 0.371 0.436 0.488 0.527 0.538 0.412 0.397 0.383 23 9 0.438 0.491 0.530 0.541 0.410 0.395 0.382 0.371 24 10 0.493 0.532 0.543 0.409 0.394 0.380 0.370 0.357 25 11 0.535 0.546 0.407 0.392 0.379 0.369 0.356 0.347 26 12 0.549 0.405 0.390 0.378 0.368 0.355 0.346 0.329 27 13 0.407 0.389 0.376 0.367 0.355 0.345 0.329 0.334 28 14 0.391 0.375 0.366 0.354 0.345 0.328 0.334 0.335 29 15 0.377 0.361 0.353 0.344 0.328 0.334 0.335 0.337 30 16 0.364 0.352 0.340 0.328 0.334 0.335 0.337 0.339 31 17 0.354 0.342 0.329 0.335 0.337 0.339 0.340 0.333 32 18 0.342 0.332 0.319 0.327 0.333 0.337 0.335 0.326 33 19 0.322 0.316 0.306 0.318 0.326 0.333 0.330 0.326 34 20 0.304 0.304 0.296 0.310 0.318 0.326 0.330 0.330 35 21 0.310 0.314 0.312 0.321 0.328 0.336 0.346 0.348 36 22 0.306 0.313 0.317 0.323 0.335 0.349 0.364 0.372 37 23 0.308 0.319 0.325 0.332 0.349 0.367 0.380 0.406 38 24 0.317 0.330 0.344 0.352 0.375 0.398 0.425 0.455 39 25 0.332 0.348 0.367 0.384 0.412 0.449 0.479 0.513 40 26 0.343 0.364 0.387 0.413 0.450 0.493 0.530 0.564 41 27 0.371 0.396 0.421 0.458 0.500 0.547 0.587 0.620 42 28 0.401 0.431 0.464 0.503 0.549 0.600 0.644 0.689 43 29 0.437 0.481 0.517 0.557 0.604 0.657 0.711 0.766 44 30 0.489 0.537 0.576 0.618 0.667 0.727 0.786 0.855 45 31 0.537 0.589 0.632 0.679 0.736 0.803 0.871 0.954 46 32 0.577 0.634 0.680 0.737 0.800 0.874 0.955 1.051 47 33 0.615 0.678 0.737 0.802 0.881 0.975 1.073 1.177 48 34 0.656 0.724 0.794 0.873 0.974 1.088 1.195 1.327 49 35 0.714 0.786 0.865 0.959 1.074 1.195 1.316 1.467 50 36 0.775 0.855 0.946 1.052 1.175 1.312 1.448 1.609 51 37 0.846 0.936 1.037 1.146 1.280 1.433 1.588 1.749 52 38 0.945 1.047 1.146 1.262 1.402 1.568 1.746 1.920 53 39 1.057 1.162 1.270 1.395 1.552 1.742 1.963 2.157 54 40 1.150 1.268 1.380 1.514 1.685 1.904 2.158 2.399 55 41 1.248 1.377 1.505 1.660 1.862 2.115 2.422 2.740 56 42 1.376 1.523 1.674 1.861 2.088 2.378 2.730 3.127 57 43 1.474 1.650 1.837 2.060 2.331 2.661 3.066 3.520 58 44 1.575 1.786 2.014 2.286 2.604 2.985 3.414 3.944 59 45 1.691 1.936 2.214 2.535 2.910 3.322 3.807 4.390 60 46 1.831 2.105 2.429 2.806 3.225 3.695 4.241 4.869 61 47 2.014 2.301 2.659 3.060 3.525 4.046 4.631 5.290 62 48 2.228 2.524 2.891 3.328 3.840 4.408 5.055 5.769 63 49 2.460 2.756 3.143 3.609 4.161 4.792 5.510 6.304 64 50 2.685 2.999 3.416 3.926 4.549 5.274 6.111 7.038 65 51 2.979 3.322 3.767 4.328 5.018 5.839 6.789 7.840 66 52 3.277 3.650 4.140 4.759 5.528 6.449 7.514 8.689 67 53 3.568 3.980 4.530 5.223 6.077 7.091 8.275 9.593 68 54 3.858 4.321 4.941 5.723 6.662 7.770 9.076 10.506 69 55 4.161 4.682 5.385 6.259 7.293 8.505 9.946 11.468 70 56 4.478 5.070 5.863 6.837 7.977 9.311 10.895 12.613 71 57 4.821 5.496 6.381 7.466 8.730 10.199 11.947 13.904 72 58 5.210 5.963 6.944 8.144 9.544 11.177 13.117 15.392 73 59 5.672 6.483 7.555 8.865 10.423 12.252 14.506 17.039 74 60 6.202 7.060 8.218 9.647 11.375 13.510 16.038 18.854 75 61 6.790 7.692 8.980 10.585 12.638 15.127 18.041 21.368 76 62 7.425 8.391 9.821 11.687 14.044 16.901 20.279 24.182 77 63 8.083 9.128 10.818 12.990 15.751 19.149 23.163 27.743 78 64 8.776 9.960 11.859 14.306 17.460 21.334 25.748 31.048 79 65 9.602 10.911 13.080 15.918 19.570 23.944 29.088 35.265 80 66 10.587 12.031 14.469 17.647 21.616 26.488 32.242 38.987 81 67 11.789 13.405 16.192 19.707 24.188 29.702 36.275 43.918 82 68 13.289 15.088 18.121 21.968 26.842 32.841 40.087 48.444 83 69 15.084 17.022 20.459 24.735 30.107 36.754 44.922 54.595 84 70 17.099 19.245 23.133 27.850 33.743 41.063 50.207 61.506 85 71 18.646 20.981 25.392 30.761 37.482 45.837 56.298 69.261 86 72 20.332 22.864 27.965 34.200 42.009 51.748 63.977 79.169 87 73 22.123 24.872 30.749 37.939 46.967 58.248 72.454 90.785 88 74 23.681 26.623 33.134 41.118 51.161 63.728 80.088 100.725 89 75 24.895 27.976 35.058 43.759 54.706 68.845 86.868 109.657 90 76 25.862 29.058 36.411 45.441 57.123 71.909 90.777 114.627 91 77 26.840 30.153 37.779 47.383 59.583 75.043 94.762 119.718 92 78 28.420 31.925 40.179 50.407 63.418 79.897 100.943 126.562 93 79 30.803 34.739 43.733 54.894 69.084 87.079 109.239 136.951 94 80 33.352 37.626 47.391 59.504 74.923 93.819 117.683 147.537 95
PREFERRED SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.593 15 0.317 0.382 0.442 0.492 0.527 0.548 0.596 0.580 16 0.384 0.444 0.475 0.506 0.527 0.589 0.582 0.569 17 0.451 0.482 0.498 0.514 0.585 0.578 0.569 0.560 18 0.460 0.486 0.502 0.566 0.580 0.560 0.550 0.546 19 0.449 0.480 0.542 0.549 0.551 0.530 0.525 0.520 20 0.426 0.505 0.524 0.526 0.521 0.494 0.500 0.495 21 0.447 0.499 0.522 0.520 0.512 0.486 0.502 0.512 22 0.434 0.489 0.518 0.516 0.508 0.495 0.505 0.515 23 0.432 0.482 0.519 0.517 0.516 0.508 0.520 0.537 24 0.421 0.474 0.512 0.525 0.530 0.529 0.542 0.566 25 0.416 0.464 0.512 0.532 0.552 0.559 0.578 0.608 26 0.404 0.453 0.502 0.530 0.565 0.584 0.608 0.639 27 0.414 0.457 0.508 0.551 0.594 0.626 0.659 0.693 28 0.432 0.476 0.528 0.579 0.627 0.668 0.705 0.755 29 0.459 0.505 0.556 0.613 0.671 0.716 0.769 0.830 30 0.495 0.548 0.606 0.659 0.721 0.784 0.841 0.919 31 0.523 0.589 0.643 0.707 0.772 0.845 0.918 1.010 32 0.541 0.610 0.675 0.740 0.814 0.895 0.994 1.101 33 0.542 0.621 0.695 0.770 0.866 0.963 1.076 1.192 34 0.535 0.629 0.719 0.816 0.926 1.038 1.159 1.288 35 0.542 0.654 0.761 0.885 1.005 1.133 1.263 1.405 36 0.549 0.685 0.817 0.958 1.100 1.238 1.387 1.544 37 0.575 0.729 0.885 1.048 1.206 1.356 1.519 1.697 38 0.626 0.807 0.995 1.176 1.350 1.516 1.698 1.897 39 0.691 0.912 1.119 1.317 1.506 1.698 1.895 2.105 40 0.756 1.006 1.232 1.454 1.652 1.850 2.060 2.292 41 0.819 1.094 1.357 1.594 1.804 2.009 2.228 2.469 42 0.896 1.212 1.501 1.761 1.989 2.213 2.448 2.709 43 0.955 1.299 1.612 1.886 2.134 2.371 2.616 2.894 44 1.013 1.381 1.713 2.013 2.269 2.522 2.785 3.066 45 1.072 1.460 1.817 2.143 2.416 2.686 2.957 3.242 46 1.125 1.537 1.921 2.279 2.585 2.864 3.145 3.460 47 1.177 1.626 2.042 2.433 2.776 3.069 3.372 3.715 48 1.225 1.723 2.181 2.602 2.992 3.327 3.656 4.020 49 1.276 1.827 2.326 2.787 3.231 3.612 3.978 4.374 50 1.325 1.939 2.477 2.983 3.471 3.899 4.312 4.743 51 1.407 2.096 2.701 3.257 3.786 4.276 4.740 5.194 52 1.492 2.267 2.934 3.532 4.098 4.635 5.126 5.590 53 1.585 2.440 3.163 3.799 4.403 4.945 5.438 5.931 54 1.691 2.615 3.393 4.068 4.685 5.205 5.709 6.255 55 1.799 2.808 3.648 4.345 4.952 5.468 5.995 6.568 56 1.931 3.025 3.924 4.634 5.237 5.765 6.310 6.912 57 2.093 3.278 4.226 4.965 5.573 6.118 6.687 7.311 58 2.282 3.567 4.587 5.372 5.991 6.565 7.155 7.792 59 2.495 3.899 5.014 5.841 6.499 7.104 7.712 8.342 60 2.731 4.275 5.477 6.355 7.080 7.707 8.322 8.946 61 3.010 4.667 5.954 6.904 7.689 8.334 8.958 9.592 62 3.319 5.057 6.424 7.473 8.282 8.958 9.602 10.267 63 3.656 5.503 6.942 8.043 8.852 9.545 10.213 10.911 64 4.028 6.024 7.516 8.611 9.418 10.120 10.800 11.536 65 4.434 6.556 8.099 9.169 9.996 10.712 11.418 12.221 66 4.860 7.051 8.632 9.711 10.586 11.353 12.129 13.082 67 5.319 7.461 9.056 10.222 11.205 12.081 13.021 14.137 68 5.801 7.801 9.392 10.696 11.851 12.954 14.114 15.545 69 6.310 8.113 9.692 11.140 12.550 13.940 15.492 17.232 70 6.833 8.381 9.949 11.567 13.264 15.099 17.052 19.146 71 7.318 8.964 10.634 12.345 14.226 16.190 18.274 20.443 72 7.827 9.576 11.343 13.237 15.250 17.345 19.517 21.818 73 8.346 10.196 12.141 14.163 16.307 18.498 20.796 23.233 74 8.740 10.732 12.771 14.890 17.110 19.395 21.790 24.317 75 9.029 11.081 13.183 15.346 17.619 19.957 22.399 24.982 76 9.214 11.302 13.430 15.624 17.924 20.283 22.751 25.354 77 9.385 11.504 13.662 15.881 18.200 20.582 23.069 25.685 78 9.747 11.941 14.170 16.455 18.846 21.297 23.848 26.532 79 10.357 12.679 15.030 17.442 19.962 22.537 25.217 28.034 80 10.949 13.388 15.861 18.393 21.030 23.725 26.527 29.468 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------ ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.641 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.632 0.626 22 8 0.371 0.436 0.488 0.527 0.538 0.623 0.618 0.613 23 9 0.438 0.491 0.530 0.541 0.615 0.609 0.605 0.605 24 10 0.493 0.532 0.543 0.605 0.601 0.597 0.598 0.592 25 11 0.535 0.546 0.596 0.592 0.588 0.590 0.585 0.585 26 12 0.549 0.587 0.583 0.580 0.582 0.578 0.578 0.568 27 13 0.590 0.574 0.572 0.574 0.570 0.571 0.562 0.592 28 14 0.577 0.563 0.566 0.563 0.564 0.555 0.586 0.612 29 15 0.566 0.553 0.555 0.557 0.549 0.580 0.606 0.638 30 16 0.556 0.547 0.544 0.542 0.574 0.600 0.633 0.664 31 17 0.551 0.541 0.539 0.570 0.597 0.629 0.660 0.672 32 18 0.541 0.537 0.537 0.574 0.611 0.647 0.670 0.674 33 19 0.521 0.526 0.531 0.579 0.620 0.659 0.674 0.685 34 20 0.506 0.521 0.532 0.583 0.622 0.660 0.687 0.703 35 21 0.532 0.559 0.581 0.622 0.658 0.693 0.730 0.751 36 22 0.543 0.576 0.607 0.640 0.683 0.729 0.778 0.813 37 23 0.566 0.604 0.637 0.670 0.722 0.778 0.823 0.900 38 24 0.600 0.639 0.687 0.720 0.786 0.853 0.933 1.022 39 25 0.643 0.686 0.742 0.796 0.874 0.975 1.064 1.167 40 26 0.677 0.729 0.794 0.867 0.968 1.084 1.193 1.298 41 27 0.741 0.803 0.875 0.974 1.089 1.219 1.338 1.439 42 28 0.813 0.884 0.975 1.085 1.210 1.354 1.479 1.612 43 29 0.898 1.000 1.102 1.215 1.350 1.495 1.646 1.806 44 30 1.017 1.131 1.243 1.366 1.501 1.667 1.835 2.024 45 31 1.132 1.256 1.380 1.512 1.669 1.856 2.042 2.251 46 32 1.231 1.369 1.499 1.655 1.830 2.030 2.231 2.470 47 33 1.329 1.477 1.636 1.815 2.023 2.253 2.496 2.755 48 34 1.429 1.591 1.778 1.985 2.228 2.505 2.770 3.092 49 35 1.568 1.739 1.945 2.171 2.447 2.741 3.036 3.405 50 36 1.715 1.899 2.119 2.371 2.667 2.996 3.327 3.703 51 37 1.881 2.072 2.312 2.574 2.894 3.259 3.620 3.978 52 38 2.092 2.307 2.545 2.822 3.156 3.539 3.931 4.310 53 39 2.331 2.552 2.809 3.108 3.465 3.882 4.363 4.783 54 40 2.525 2.773 3.040 3.344 3.716 4.189 4.737 5.227 55 41 2.729 2.999 3.288 3.623 4.055 4.596 5.226 5.867 56 42 2.997 3.291 3.611 4.009 4.490 5.079 5.788 6.577 57 43 3.185 3.520 3.913 4.382 4.926 5.586 6.386 7.270 58 44 3.360 3.763 4.237 4.780 5.409 6.153 6.983 7.960 59 45 3.563 4.026 4.578 5.209 5.937 6.725 7.606 8.651 60 46 3.809 4.304 4.936 5.664 6.460 7.310 8.274 9.411 61 47 4.118 4.623 5.308 6.064 6.901 7.814 8.861 10.023 62 48 4.476 4.981 5.667 6.444 7.339 8.349 9.483 10.713 63 49 4.855 5.340 6.019 6.825 7.799 8.900 10.130 11.466 64 50 5.202 5.678 6.388 7.280 8.361 9.599 11.006 12.536 65 51 5.640 6.141 6.908 7.869 9.037 10.410 11.973 13.666 66 52 6.058 6.618 7.444 8.479 9.754 11.258 12.968 14.817 67 53 6.470 7.076 7.983 9.116 10.499 12.114 13.972 15.995 68 54 6.859 7.529 8.529 9.782 11.264 12.987 14.984 17.118 69 55 7.249 7.990 9.102 10.470 12.062 13.900 16.047 18.253 70 56 7.643 8.474 9.698 11.188 12.902 14.870 17.169 19.598 71 57 8.056 8.988 10.327 11.945 13.798 15.909 18.379 21.075 72 58 8.521 9.541 10.988 12.733 14.734 17.022 19.687 22.747 73 59 9.075 10.142 11.683 13.539 15.708 18.202 21.228 24.536 74 60 9.702 10.793 12.413 14.384 16.725 19.571 22.867 26.615 75 61 10.380 11.486 13.240 15.395 18.117 21.350 25.217 29.555 76 62 11.088 12.232 14.128 16.575 19.616 23.385 27.772 32.762 77 63 11.783 12.982 15.173 17.950 21.567 25.959 31.072 36.797 78 64 12.481 13.811 16.207 19.380 23.424 28.329 33.815 40.296 79 65 13.314 14.742 17.523 21.126 25.717 31.127 37.382 44.767 80 66 14.303 15.935 18.992 22.942 27.809 33.696 40.528 48.383 81 67 15.615 17.396 20.819 25.082 30.451 36.957 44.574 53.258 82 68 17.246 19.180 22.809 27.360 33.052 39.946 48.134 57.370 83 69 19.174 21.184 25.199 30.130 36.241 43.687 52.676 63.100 84 70 21.279 23.436 27.870 33.165 39.691 47.664 57.457 69.341 85 71 22.706 24.991 29.905 35.796 43.056 51.926 62.845 76.114 86 72 24.217 26.622 32.184 38.865 47.095 57.183 69.616 84.755 87 73 25.759 28.300 34.559 42.077 51.359 62.742 76.803 95.459 88 74 26.944 29.582 36.344 44.483 54.535 66.871 83.384 104.008 89 75 27.662 30.338 37.510 46.145 56.807 70.954 88.817 111.154 90 76 28.046 30.738 37.975 46.681 58.261 72.779 91.112 114.027 91 77 28.391 31.091 38.383 47.809 59.678 74.558 93.340 116.825 92 78 29.304 32.068 40.094 49.947 62.354 77.902 97.535 122.289 93 79 30.940 34.273 42.857 53.395 66.659 83.288 104.514 131.041 94 80 32.905 36.454 45.590 56.801 70.917 88.853 111.498 139.771 95
NON-SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.591 15 0.317 0.382 0.442 0.492 0.527 0.548 0.594 0.567 16 0.384 0.444 0.475 0.506 0.527 0.587 0.570 0.547 17 0.451 0.482 0.498 0.514 0.583 0.566 0.547 0.529 18 0.460 0.486 0.502 0.564 0.567 0.538 0.520 0.507 19 0.449 0.480 0.540 0.538 0.530 0.501 0.488 0.475 20 0.426 0.504 0.513 0.506 0.492 0.459 0.456 0.442 21 0.445 0.489 0.502 0.492 0.476 0.444 0.449 0.445 22 0.425 0.470 0.490 0.480 0.464 0.442 0.439 0.434 23 0.415 0.456 0.482 0.472 0.461 0.442 0.437 0.436 24 0.398 0.440 0.467 0.468 0.461 0.446 0.440 0.444 25 0.387 0.423 0.457 0.462 0.465 0.454 0.454 0.464 26 0.369 0.404 0.436 0.446 0.459 0.459 0.464 0.476 27 0.369 0.397 0.427 0.448 0.466 0.478 0.491 0.507 28 0.375 0.401 0.429 0.454 0.478 0.498 0.516 0.545 29 0.387 0.410 0.437 0.468 0.500 0.524 0.556 0.592 30 0.402 0.430 0.462 0.491 0.528 0.566 0.599 0.646 31 0.411 0.449 0.480 0.518 0.558 0.602 0.646 0.702 32 0.413 0.455 0.494 0.535 0.580 0.630 0.690 0.755 33 0.404 0.455 0.502 0.553 0.609 0.669 0.738 0.807 34 0.391 0.454 0.512 0.574 0.643 0.712 0.785 0.861 35 0.391 0.466 0.535 0.614 0.689 0.767 0.845 0.932 36 0.391 0.482 0.568 0.657 0.745 0.828 0.920 1.015 37 0.405 0.507 0.607 0.710 0.806 0.899 0.999 1.107 38 0.435 0.553 0.674 0.787 0.895 0.997 1.108 1.233 39 0.474 0.617 0.748 0.873 0.991 1.108 1.232 1.374 40 0.512 0.672 0.817 0.957 1.078 1.202 1.345 1.502 41 0.548 0.726 0.893 1.040 1.172 1.311 1.460 1.624 42 0.594 0.797 0.979 1.144 1.298 1.450 1.610 1.789 43 0.628 0.848 1.048 1.231 1.399 1.560 1.728 1.920 44 0.661 0.897 1.118 1.319 1.493 1.666 1.847 2.050 45 0.697 0.953 1.191 1.410 1.596 1.781 1.977 2.195 46 0.734 1.007 1.264 1.505 1.715 1.915 2.129 2.373 47 0.771 1.070 1.349 1.613 1.856 2.078 2.312 2.580 48 0.806 1.138 1.447 1.740 2.026 2.281 2.539 2.840 49 0.843 1.212 1.556 1.887 2.215 2.508 2.811 3.145 50 0.879 1.296 1.677 2.045 2.410 5.754 3.100 3.472 51 0.941 1.419 1.852 2.262 2.675 3.074 3.469 3.871 52 1.010 1.554 2.037 2.496 2.947 3.393 3.821 4.264 53 1.087 1.694 2.235 2.731 3.223 3.686 4.148 4.633 54 1.174 1.848 2.440 2.977 3.492 3.971 4.461 4.983 55 1.271 2.019 2.670 3.238 3.778 4.272 4.776 5.337 56 1.389 2.214 2.925 3.535 4.092 4.593 5.127 5.731 57 1.532 2.444 3.224 3.879 4.439 4.971 5.545 6.188 58 1.701 2.721 3.584 4.279 4.868 5.443 6.056 6.735 59 1.903 3.046 3.994 4.746 5.389 6.012 6.665 7.367 60 2.134 3.405 4.450 5.269 5.992 6.661 7.350 8.077 61 2.398 3.792 4.936 5.843 6.646 7.360 8.088 8.857 62 2.697 4.193 5.437 6.459 7.315 8.087 8.866 9.700 63 3.031 4.657 6.000 7.103 7.992 8.813 9.650 10.554 64 3.409 5.207 6.638 7.774 8.695 9.562 10.447 11.431 65 3.832 5.790 7.312 8.466 9.444 10.361 11.313 12.413 66 4.292 6.366 7.970 9.175 10.240 11.249 12.319 13.628 67 4.802 6.888 8.556 9.888 11.102 12.271 13.564 15.114 68 5.356 7.370 9.085 10.598 12.036 13.494 15.089 16.953 69 5.962 7.847 9.603 11.315 13.074 14.903 16.894 19.180 70 6.609 8.304 10.104 12.049 14.181 16.466 18.980 21.757 71 7.251 9.104 11.077 13.198 15.514 18.020 20.766 23.728 72 7.950 9.975 12.127 14.436 16.975 19.710 22.653 25.879 73 8.694 10.901 13.240 15.764 18.531 21.470 24.667 28.175 74 9.344 11.704 14.215 16.920 19.859 23.006 26.425 30.166 75 9.847 12.334 14.980 17.812 20.899 24.202 27.787 31.715 76 10.256 12.843 15.588 18.532 21.737 25.161 28.882 32.959 77 10.664 13.352 16.205 19.259 22.577 26.129 29.989 34.212 78 11.314 14.164 17.184 20.412 23.924 27.685 31.764 36.230 79 12.285 15.376 18.645 22.142 25.949 30.018 34.435 39.272 80 13.278 16.608 20.136 23.910 28.012 32.398 37.161 42.376 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------- ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.502 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.516 0.482 22 8 0.371 0.436 0.488 0.527 0.538 0.530 0.495 0.463 23 9 0.438 0.491 0.530 0.541 0.543 0.508 0.476 0.450 24 10 0.493 0.532 0.543 0.557 0.521 0.489 0.462 0.432 25 11 0.535 0.546 0.571 0.535 0.502 0.475 0.445 0.420 26 12 0.549 0.585 0.548 0.515 0.488 0.457 0.432 0.399 27 13 0.588 0.562 0.528 0.501 0.470 0.444 0.410 0.404 28 14 0.564 0.541 0.514 0.482 0.457 0.422 0.417 0.405 29 15 0.544 0.522 0.495 0.469 0.434 0.429 0.418 0.408 30 16 0.525 0.508 0.477 0.447 0.442 0.431 0.421 0.410 31 17 0.512 0.494 0.462 0.457 0.446 0.436 0.424 0.403 32 18 0.494 0.479 0.448 0.446 0.440 0.433 0.418 0.395 33 19 0.465 0.457 0.430 0.434 0.432 0.428 0.411 0.394 34 20 0.439 0.439 0.415 0.423 0.421 0.419 0.412 0.399 35 21 0.448 0.454 0.438 0.438 0.435 0.432 0.432 0.421 36 22 0.441 0.452 0.445 0.440 0.443 0.449 0.454 0.450 37 23 0.444 0.461 0.456 0.452 0.463 0.472 0.474 0.491 38 24 0.458 0.476 0.483 0.480 0.497 0.511 0.530 0.551 39 25 0.479 0.502 0.515 0.524 0.545 0.577 0.597 0.621 40 26 0.496 0.526 0.544 0.563 0.596 0.633 0.661 0.683 41 27 0.535 0.572 0.591 0.624 0.662 0.703 0.733 0.751 42 28 0.580 0.622 0.651 0.686 0.726 0.772 0.803 0.834 43 29 0.632 0.695 0.726 0.759 0.801 0.845 0.887 0.927 44 30 0.706 0.776 0.809 0.843 0.883 0.934 0.980 1.034 45 31 0.776 0.851 0.887 0.925 0.974 1.032 1.087 1.155 46 32 0.834 0.916 0.955 1.005 1.059 1.124 1.192 1.272 47 33 0.889 0.980 1.034 1.094 1.166 1.253 1.339 1.425 48 34 0.948 1.046 1.115 1.191 1.290 1.399 1.492 1.606 49 35 1.031 1.135 1.215 1.308 1.422 1.537 1.642 1.776 50 36 1.119 1.235 1.328 1.434 1.556 1.686 1.806 1.947 51 37 1.222 1.352 1.456 1.563 1.695 1.842 1.982 2.118 52 38 1.365 1.512 1.608 1.721 1.857 2.017 2.179 2.324 53 39 1.527 1.679 1.783 1.903 2.055 2.239 2.449 2.612 54 40 1.661 1.832 1.937 2.064 2.231 2.448 2.693 2.904 55 41 1.803 1.989 2.113 2.264 2.466 2.720 3.022 3.317 56 42 1.988 2.201 2.349 2.537 2.765 3.058 3.407 3.785 57 43 2.130 2.383 2.578 2.809 3.087 3.422 3.826 4.261 58 44 2.275 2.580 2.827 3.117 3.449 3.837 4.261 4.775 59 45 2.443 2.796 3.108 3.457 3.854 4.271 4.750 5.315 60 46 2.645 3.041 3.410 3.827 4.270 4.751 5.291 5.895 61 47 2.909 3.324 3.733 4.172 4.669 5.202 5.778 6.404 62 48 3.218 3.646 4.058 4.538 5.085 5.667 6.307 6.984 63 49 3.554 3.980 4.412 4.922 5.510 6.161 6.875 7.631 64 50 3.878 4.332 4.795 5.353 6.024 6.781 7.626 8.520 65 51 4.303 4.798 5.287 5.902 6.645 7.507 8.471 9.491 66 52 4.733 5.272 5.811 6.489 7.321 8.292 9.375 10.518 67 53 5.154 5.749 6.359 7.122 8.048 9.117 10.325 11.613 68 54 5.573 6.242 6.936 7.804 8.823 9.990 11.325 12.718 69 55 6.010 6.762 7.558 8.536 9.658 10.935 12.411 13.883 70 56 6.469 7.324 8.229 9.323 10.565 11.971 13.595 15.269 71 57 6.963 7.938 8.957 10.180 11.562 13.112 14.907 16.831 72 58 7.526 8.613 9.747 11.105 12.640 14.371 16.367 18.632 73 59 8.193 9.364 10.605 12.089 13.803 15.752 18.101 20.626 74 60 8.958 10.197 11.535 13.155 15.065 17.371 20.012 22.823 75 61 9.807 11.110 12.604 14.434 16.737 19.449 22.511 25.867 76 62 10.725 12.120 13.786 15.937 18.599 21.730 25.304 29.273 77 63 11.676 13.185 15.185 17.714 20.859 24.620 28.902 33.584 78 64 12.676 14.387 16.647 19.509 23.123 27.429 32.128 37.584 79 65 13.869 15.761 18.360 21.706 25.917 30.785 36.296 42.689 80 66 15.292 17.378 20.310 24.064 28.626 34.056 40.232 47.195 81 67 17.028 19.363 22.729 26.873 32.033 38.188 45.263 53.163 82 68 19.195 21.794 25.436 29.957 35.548 42.224 50.020 58.642 83 69 21.788 24.588 28.717 33.729 39.871 47.255 56.053 66.089 84 70 24.699 27.798 32.472 37.977 44.687 52.795 62.647 74.455 85 71 26.933 30.306 35.642 41.947 49.639 58.933 70.248 83.842 86 72 29.368 33.025 39.254 46.637 55.634 66.533 79.830 95.836 87 73 31.955 35.926 43.162 51.735 62.199 74.891 90.407 109.898 88 74 34.206 38.455 46.509 56.070 67.754 81.936 99.933 121.931 89 75 35.959 40.409 49.210 59.671 72.449 88.515 108.392 132.742 90 76 37.357 41.973 51.109 61.964 75.650 92.454 113.271 138.758 91 77 38.768 43.555 53.029 64.613 78.907 96.483 118.243 144.922 92 78 41.051 46.115 56.397 68.737 83.986 102.725 125.955 153.207 93 79 44.493 50.179 61.386 74.856 91.490 111.958 136.308 165.782 94 80 48.175 54.349 66.521 81.142 99.222 120.624 146.844 178.597 95
SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.919 15 0.317 0.382 0.442 0.492 0.527 0.548 0.924 0.898 16 0.384 0.444 0.475 0.506 0.527 0.912 0.903 0._82 17 0.451 0.482 0.498 0.514 0.907 0.896 0.882 0.869 18 0.460 0.486 0.502 0.877 0.898 0.867 0.853 0.846 19 0.449 0.480 0.839 0.852 0.854 0.822 0.814 0.806 20 0.426 0.783 0.813 0.815 0.808 0.766 0.775 0.768 21 0.692 0.774 0.809 0.807 0.794 0.754 0.779 0.793 22 0.672 0.757 0.803 0.800 0.787 0.766 0.782 0.798 23 0.669 0.747 0.805 0.802 0.800 0.788 0.805 0.833 24 0.653 0.734 0.794 0.813 0.822 0.820 0.840 0.877 25 0.646 0.719 0.793 0.824 0.856 0.866 0.895 0.942 26 0.627 0.702 0.777 0.821 0.875 0.906 0.943 0.990 27 0.641 0.708 0.787 0.855 0.920 0.970 1.021 1.074 28 0.670 0.738 0.819 0.897 0.972 1.036 1.092 1.171 29 0.712 0.782 0.862 0.950 1.040 1.111 1.193 1.287 30 0.767 0.849 0.939 1.021 1.118 1.215 1.303 1.424 31 0.811 0.913 0.997 1.096 1.196 1.310 1.423 1.566 32 0.839 0.946 1.046 1.147 1.262 1.388 1.540 1.707 33 0.840 0.963 1.077 1.204 1.342 1.493 1.668 1.848 34 0.828 0.975 1.114 1.265 1.435 1.609 1.796 1.997 35 0.839 1.014 1.179 1.371 1.557 1.756 1.958 2.178 36 0.850 1.062 1.267 1.485 1.706 1.919 2.150 2.393 37 0.892 1.131 1.372 1.625 1.869 2.102 2.354 2.630 38 0.971 1.251 1.542 1.823 2.092 2.350 2.631 2.940 39 1.071 1.413 1.734 2.041 2.335 2.631 2.937 3.263 40 1.172 1.559 1.910 2.254 2.561 2.867 3.193 3.552 41 1.269 1.696 2.103 2.470 2.796 3.113 3.453 3.827 42 1.388 1.879 2.326 2.729 3.083 3.430 3.794 4.198 43 1.481 2.013 2.499 2.923 3.308 3.675 4.055 4.486 44 1.570 2.140 2.656 3.120 3.518 3.909 4.316 4.752 45 1.662 2.263 2.817 3.322 3.744 4.163 4.584 5.025 46 1.744 2.382 2.977 3.532 4.007 4.440 4.875 5.364 47 1.824 2.521 3.165 3.770 4.303 4.757 5.227 5.758 48 1.899 2.670 3.381 4.033 4.637 5.157 5.667 6.231 49 1.978 2.832 3.606 4.319 5.008 5.599 6.166 6.780 50 2.054 3.005 3.839 4.624 5.380 6.043 6.683 7.352 51 2.180 3.249 4.187 5.048 5.868 6.627 7.347 8.050 52 2.313 3.514 4.548 5.475 6.352 7.185 7.946 8.664 53 2.457 3.782 4.902 5.888 6.824 7.664 8.428 9.192 54 2.620 4.053 5.260 6.305 7.262 8.068 8.849 9.696 55 2.789 4.353 5.654 6.734 7.676 8.475 9.293 10.181 56 2.994 4.689 6.082 7.183 8.118 8.936 9.781 10.714 57 3.244 5.082 6.551 7.695 8.638 9.483 10.365 11.332 58 3.537 5.529 7.110 8.326 9.286 10.176 11.090 12.078 59 3.867 6.044 7.772 9.054 10.074 11.011 11.953 12.930 60 4.233 6.626 8.490 9.850 10.973 11.945 12.899 13.867 61 4.666 7.234 9.228 10.701 11.918 12.917 13.885 14.868 62 5.144 7.838 9.957 11.583 12.837 13.884 14.884 15.913 63 5.666 8.529 10.760 12.466 13.721 14.795 15.830 16.912 64 6.243 9.338 11.649 13.347 14.597 15.686 16.741 17.881 65 6.872 10.162 12.554 14.212 15.493 16.603 17.697 18.943 66 7.533 10.930 13.380 15.052 16.409 17.597 18.800 20.278 67 8.244 11.564 14.037 15.845 17.368 18.726 20.183 21.913 68 8.991 12.091 14.558 16.579 18.369 20.079 21.877 24.095 69 9.780 12.575 15.022 17.267 19.453 21.607 24.012 26.710 70 10.590 12.990 15.420 17.929 20.560 23.403 26.431 29.677 71 11.343 13.894 16.483 19.134 22.050 25.094 28.325 31.687 72 12.132 14.842 17.581 20.517 23.638 26.885 30.251 33.817 73 12.936 15.804 18.819 21.952 25.277 28.671 32.234 36.011 74 13.548 16.634 19.796 23.080 26.520 30.063 33.775 37.692 75 13.995 17.176 20.433 23.786 27.310 30.933 34.719 38.723 76 14.282 17.518 20.817 24.217 27.782 31.438 35.263 39.299 77 14.546 17.830 21.176 24.615 28.210 31.902 35.757 39.812 78 15.108 18.509 21.964 25.505 29.211 33.010 36.964 41.125 79 16.054 19.652 23.296 27.035 30.941 34.932 39.087 43.453 80 16.970 20.752 24.585 28.509 32.597 36.775 41.117 45.676 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------- ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.798 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.816 0.780 22 8 0.371 0.436 0.488 0.527 0.538 0.834 0.797 0.763 23 9 0.438 0.491 0.530 0.541 0.853 0.816 0.781 0.753 24 10 0.493 0.532 0.543 0.872 0.834 0.799 0.771 0.737 25 11 0.535 0.546 0.891 0.852 0.817 0.789 0.755 0.727 26 12 0.549 0.910 0.871 0.835 0.808 0.773 0.746 0.707 27 13 0.915 0.889 0.854 0.827 0.792 0.764 0.725 0.737 28 14 0.894 0.873 0.845 0.810 0.783 0.743 0.756 0.761 29 15 0.878 0.857 0.829 0.802 0.762 0.776 0.782 0.794 30 16 0.862 0.848 0.813 0.780 0.796 0.804 0.817 0.826 31 17 0.854 0.839 0.805 0.821 0.829 0.842 0.852 0.836 32 18 0.838 0.832 0.802 0.826 0.848 0.866 0.865 0.839 33 19 0.808 0.815 0.794 0.833 0.861 0.881 0.870 0.852 34 20 0.784 0.808 0.794 0.840 0.863 0.883 0.887 0.875 35 21 0.825 0.866 0.867 0.896 0.913 0.927 0.942 0.934 36 22 0.842 0.893 0.907 0.921 0.948 0.976 1.004 1.012 37 23 0.877 0.936 0.952 0.964 1.003 1.041 1.062 1.120 38 24 0.930 0.990 1.026 1.037 1.092 1.141 1.204 1.272 39 25 0.996 1.063 1.109 1.146 1.214 1.306 1.373 1.452 40 26 1.050 1.130 1.186 1.248 1.343 1.451 1.539 1.615 41 27 1.149 1.245 1.307 1.402 1.512 1.631 1.727 1.791 42 28 1.261 1.370 1.457 1.562 1.679 1.813 1.909 2.006 43 29 1.392 1.550 1.646 1.750 1.874 2.001 2.125 2.247 44 30 1.576 1.753 1.857 1.967 2.084 2.231 2.368 2.519 45 31 1.755 1.947 2.062 2.177 2.318 2.484 2.636 2.801 46 32 1.908 2.122 2.239 2.384 2.541 2.717 2.880 3.073 47 33 2.060 2.289 2.444 2.614 2.809 3.016 3.221 3.428 48 34 2.215 2.466 2.656 2.858 3.093 3.353 3.575 3.848 49 35 2.430 2.696 2.906 3.126 3.397 3.669 3.918 4.237 50 36 2.659 2.944 3.165 3.415 3.702 4.010 4.294 4.608 51 37 2.915 3.211 3.454 3.707 4.017 4.362 4.672 4.950 52 38 3.242 3.576 3.801 4.064 4.382 4.737 5.073 5.364 53 39 3.612 3.955 4.196 4.475 4.810 5.195 5.631 5.952 54 40 3.914 4.298 4.541 4.815 5.159 5.607 6.114 6.504 55 41 4.230 4.648 4.913 5.216 5.630 6.152 6.744 7.301 56 42 4.645 5.101 5.395 5.773 6.233 6.798 7.470 8.185 57 43 4.936 5.456 5.846 6.310 6.839 7.476 8.242 9.047 58 44 5.207 5.833 6.330 6.883 7.509 8.236 9.012 9.906 59 45 5.523 6.241 6.839 7.501 8.243 9.001 9.816 10.766 60 46 5.904 6.671 7.374 8.156 8.968 9.784 10.678 11.711 61 47 6.382 7.166 7.929 8.732 9.580 10.459 11.436 12.473 62 48 6.938 7.721 8.466 9.280 10.188 11.175 12.238 13.331 63 49 7.526 8.277 8.992 9.828 10.827 11.912 13.074 14.268 64 50 8.064 8.801 9.543 10.484 11.606 12.848 14.205 15.601 65 51 8.743 9.519 10.320 11.331 12.546 13.933 15.452 17.007 66 52 9.391 10.257 11.120 12.210 13.541 15.069 16.736 18.439 67 53 10.029 10.967 11.925 13.126 14.575 16.215 18.031 19.905 68 54 10.632 11.669 12.742 14.086 15.637 17.383 19.338 21.303 69 55 11.236 12.384 13.597 15.076 16.745 18.604 20.709 22.714 70 56 11.847 13.134 14.488 16.110 17.911 19.903 22.158 24.388 71 57 12.487 13.931 15.427 17.201 19.155 21.294 23.719 26.226 72 58 13.208 14.788 16.415 18.336 20.454 22.783 25.407 28.307 73 59 14.066 15.720 17.453 19.497 21.806 24.363 27.396 30.534 74 60 15.038 16.729 18.543 20.712 23.218 26.195 29.511 33.121 75 61 16.089 17.803 19.780 22.169 25.150 28.576 32.545 36.779 76 62 17.186 18.960 21.105 23.868 27.232 31.300 35.842 40.770 77 63 18.264 20.122 22.667 25.848 29.940 34.745 40.100 45.791 78 64 19.345 21.407 24.211 27.907 32.518 37.917 43.641 50.146 79 65 20.637 22.850 26.178 30.422 35.701 41.662 48.244 55.710 80 66 22.170 24.700 28.372 33.036 38.605 45.101 52.304 60.210 81 67 24.203 26.965 31.101 36.118 42.273 49.465 57.526 66.276 82 68 26.731 29.729 34.074 39.399 45.884 53.466 62.120 71.394 83 69 29.719 32.834 37.645 43.388 50.310 58.473 67.982 78.525 84 70 32.983 36.325 41.634 47.758 55.100 63.796 74.152 86.291 85 71 35.195 38.735 44.674 51.546 59.772 69.501 81.106 94.720 86 72 37.537 41.264 48.079 55.966 65.379 76.537 89.845 105.472 87 73 39.927 43.864 51.627 60.591 71.299 83.978 99.119 118.794 88 74 41.764 45.853 54.293 64.055 75.707 89.504 107.612 129.432 89 75 42.876 47.024 56.035 66.449 78.862 94.969 114.624 138.325 90 76 43.471 47.644 56.729 67.221 80.880 97.412 117.586 141.900 91 77 44.006 48.192 57.340 68.846 82.846 99.793 120.461 145.383 92 78 45.421 49.706 59.896 71.924 86.562 104.269 125.875 152.182 93 79 47.957 53.121 64.022 76.889 92.538 111.478 134.882 163.073 94 80 51.002 56.504 68.105 81.793 98.44_ 118.926 143.895 17_.9_8 95
PREFERRED NON-SMOKER - MALE - ADDITIONAL INSURED RIDER
[x] [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 3.25 0.73 0.46 0.35 0.28 0.25 0.21 0.20 0.18 0.16 0.18 0.21 0.25 0.35 0.47 0.65 15 1 0.78 0.48 0.37 0.30 0.26 0.23 0.21 0.19 0.17 0.17 0.19 0.23 0.32 0.43 0.60 0.78 16 2 0.51 0.39 0.31 0.28 0.24 0.22 0.20 0.18 0.18 0.18 0.22 0.30 0.40 0.56 0.73 0.91 17 3 0.41 0.33 0.29 0.25 0.23 0.21 0.19 0.19 0.19 0.20 0.28 0.38 0.53 0.68 0.85 1.02 18 4 0.35 0.31 0.27 0.24 0.22 0.20 0.19 0.20 0.21 0.27 0.36 0.50 0.64 0.80 0.96 1.10 19 5 0.33 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.35 0.48 0.61 0.76 0.91 1.04 1.12 20 6 0.30 0.27 0.24 0.22 0.21 0.21 0.23 0.29 0.36 0.46 0.59 0.73 0.87 0.99 1.06 0.46 21 7 0.28 0.25 0.23 0.22 0.22 0.24 0.30 0.37 0.48 0.58 0.71 0.84 0.95 1.02 0.47 0.45 22 8 0.26 0.24 0.23 0.23 0.25 0.31 0.39 0.50 0.60 0.70 0.82 0.93 0.99 0.47 0.46 0.44 23 9 0.25 0.24 0.24 0.25 0.32 0.40 0.51 0.62 0.73 0.82 0.92 0.97 0.47 0.46 0.45 0.43 24 10 0.25 0.25 0.26 0.33 0.41 0.53 0.64 0.75 0.84 0.92 0.96 0.48 0.46 0.45 0.45 0.43 25 11 0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 0.48 0.47 0.45 0.45 0.44 0.42 26 12 0.27 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 0.49 0.47 0.46 0.45 0.44 0.44 0.41 27 13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 0.50 0.47 0.46 0.45 0.44 0.43 0.42 0.42 28 14 0.43 0.56 0.67 0.79 0.88 0.96 0.98 0.51 0.49 0.47 0.46 0.44 0.44 0.42 0.44 0.43 29 15 0.55 0.67 0.78 0.87 0.94 0.98 0.53 0.50 0.48 0.46 0.45 0.44 0.42 0.43 0.44 0.44 30 16 0.65 0.75 0.81 0.86 0.90 0.52 0.51 0.49 0.47 0.45 0.44 0.43 0.44 0.44 0.45 0.45 31 17 0.71 0.77 0.80 0.83 0.52 0.51 0.49 0.48 0.46 0.44 0.43 0.44 0.45 0.45 0.47 0.45 32 18 0.68 0.73 0.76 0.50 0.51 0.48 0.47 0.46 0.45 0.44 0.42 0.44 0.45 0.46 0.46 0.44 33 19 0.63 0.68 0.47 0.48 0.47 0.45 0.44 0.43 0.43 0.42 0.41 0.43 0.44 0.46 0.46 0.44 34 20 0.56 0.44 0.45 0.45 0.44 0.41 0.42 0.41 0.41 0.41 0.40 0.42 0.44 0.45 0.46 0.45 35 21 0.37 0.41 0.43 0.42 0.41 0.38 0.39 0.39 0.39 0.39 0.40 0.42 0.43 0.45 0.47 0.46 36 22 0.34 0.38 0.40 0.39 0.38 0.37 0.36 0.36 0.37 0.38 0.39 0.40 0.42 0.45 0.47 0.47 37 23 0.32 0.36 0.38 0.37 0.37 0.35 0.35 0.35 0.36 0.37 0.38 0.40 0.43 0.45 0.48 0.51 38 24 0.30 0.33 0.36 0.36 0.35 0.34 0.34 0.34 0.35 0.37 0.39 0.41 0.44 0.47 0.52 0.55 39 25 0.28 0.31 0.34 0.34 0.34 0.33 0.34 0.34 0.35 0.37 0.40 0.42 0.46 0.51 0.56 0.60 40 26 0.27 0.29 0.32 0.32 0.33 0.33 0.34 0.35 0.36 0.38 0.41 0.45 0.50 0.56 0.62 0.66 41 27 0.26 0.28 0.30 0.31 0.33 0.34 0.35 0.36 0.38 0.40 0.44 0.49 0.55 0.62 0.68 0.73 42 28 0.26 0.28 0.30 0.31 0.33 0.35 0.36 0.38 0.40 0.43 0.47 0.53 0.60 0.67 0.75 0.81 43 29 0.26 0.28 0.30 0.32 0.34 0.36 0.38 0.40 0.43 0.47 0.52 0.58 0.65 0.74 0.83 0.90 44 30 0.27 0.29 0.31 0.33 0.35 0.38 0.40 0.43 0.47 0.52 0.58 0.64 0.72 0.81 0.91 1.01 45 31 0.27 0.30 0.32 0.35 0.38 0.40 0.43 0.47 0.52 0.57 0.63 0.71 0.80 0.90 1.01 1.13 46 32 0.28 0.31 0.34 0.37 0.39 0.43 0.47 0.52 0.57 0.63 0.70 0.79 0.88 1.00 1.14 1.27 47 33 0.28 0.31 0.35 0.38 0.42 0.46 0.51 0.56 0.62 0.69 0.77 0.87 0.98 1.13 1.28 1.43 48 34 0.28 0.32 0.36 0.41 0.46 0.50 0.56 0.61 0.68 0.75 0.85 0.96 1.11 1.27 1.44 1.61 49 35 0.28 0.33 0.38 0.44 0.49 0.55 0.60 0.67 0.74 0.82 0.93 1.07 1.24 1.42 1.61 1.82 50 36 0.28 0.35 0.41 0.47 0.54 0.60 0.67 0.74 0.82 0.91 1.04 1.20 1.38 1.59 1.81 2.04 51 37 0.30 0.37 0.45 0.52 0.59 0.67 0.74 0.82 0.92 1.02 1.17 1.33 1.54 1.78 2.03 2.26 52 38 0.32 0.41 0.49 0.58 0.66 0.74 0.82 0.92 1.03 1.14 1.30 1.48 1.70 1.97 2.27 2.53 53 39 0.35 0.45 0.55 0.64 0.73 0.82 0.92 1.03 1.15 1.27 1.44 1.64 1.88 2.19 2.55 2.84 54 40 0.3_ 0.50 0.61 0.72 0.81 0.91 1.02 1.15 1.28 1.41 1.60 1.81 2.09 2.44 2.85 3.22 55 41 0.42 0.55 0.68 0.80 0.90 1.02 1.14 1.27 1.42 1.57 1.77 2.02 2.34 2.74 3.24 3.71 56 42 0.45 0.61 0.75 0.88 1.00 1.13 1.26 1.40 1.56 1.73 1.98 2.27 2.64 3.11 3.69 4.28 57 43 0.49 0.66 0.82 0.97 1.10 1.24 1.38 1.54 1.71 1.92 2.20 2.56 2.99 3.52 4.19 4.87 58 44 0.52 0.71 0.89 1.06 1.21 1.35 1.50 1.67 1.86 2.11 2.46 2.88 3.39 4.00 4.72 5.53 59 45 0.56 0.78 0.97 1.16 1.32 1.48 1.64 1.83 2.04 2.33 2.75 3.25 3.84 4.51 5.34 6.23 60 46 0.61 0.84 1.06 1.27 1.45 1.62 1.81 2.01 2.25 2.58 3.07 3.64 4.29 5.06 5.97 6.91 61 47 0.66 0.91 1.16 1.39 1.60 1.80 2.00 2.23 2.52 2.88 3.42 4.04 4.79 5.66 6.66 7.68 62 48 0.70 1.00 1.27 1.53 1.79 2.01 2.24 2.51 2.84 3.22 3.79 4.49 5.34 6.31 7.44 8.57 63 49 0.75 1.09 1.40 1.70 1.99 2.26 2.53 2.83 3.20 3.59 4.22 4.99 5.92 7.02 8.31 9.59 64 50 0.80 1.19 1.54 1.88 2.21 2.53 2.85 3.19 3.56 3.99 4.67 5.51 6.55 7.79 9.25 10.70 65 51 0.86 1.30 1.70 2.07 2.45 2.82 3.18 3.55 3.96 4.42 5.16 6.10 7.27 8.70 10.38 12.06 66 52 0.92 1.42 1.86 2.28 2.70 3.10 3.49 3.91 4.35 4.86 5.69 6.74 8.07 9.69 11.61 13.54 67 53 0.99 1.54 2.04 2.49 2.94 3.36 3.79 4.25 4.74 5.30 6.24 7.43 8.93 10.74 12.92 15.25 68 54 1.07 1.68 2.22 2.71 3.18 3.62 4.08 4.57 5.13 5.76 6.83 8.18 9.84 11.87 14.42 17.0_ 69 55 1.15 1.83 2.42 2.94 3.44 3.90 4.37 4.90 5.53 6.24 7.45 8.98 10.85 13.19 16.08 18.98 70 56 1.26 2.01 2.65 3.21 3.72 4.19 4.69 5.26 5.96 6.76 8.11 9.81 11.94 14.53 17.76 21.06 71 57 1.32 2.21 2.92 3.52 4.04 4.54 5.08 5.6_ 6.41 7.32 8.83 10.78 13.15 16.05 19.64 23.46 72 58 1.53 2.46 3.24 3.88 4.43 4.97 5.55 6.18 6.93 7.95 9.66 11.83 14.48 17.73 21.78 25.85 73 59 1.71 2.75 3.62 4.31 4.91 5.50 6.10 6.76 7.54 8.69 10.57 12.96 15.93 19.61 23.98 28.50 74 60 1.92 3.08 4.03 4.79 5.46 6.09 6.73 7.42 8.28 9.50 11.57 14.20 17.54 21.55 26.43 31.41 75 61 2.16 3.43 4.47 5.31 6.06 6.72 7.41 8.16 9.11 10.41 12.67 15.59 19.20 23.69 29.06 34.63 76 62 2.43 3.79 4.93 5.87 6.66 7.39 8.15 8.98 10.01 11.43 13.91 17.04 21.05 25.99 31.93 38.19 77 63 2.73 4.21 5.44 6.45 7.28 8.08 8.90 9.81 10.96 12.52 15.17 18.62 23.02 28.49 35.05 42.10 78 64 3.08 4.71 6.02 7.07 7.94 8.79 9.67 10.68 11.98 13.64 16.55 20.31 25.17 31.20 38.41 46.30 79 65 3.46 5.24 6.63 7.71 8.65 9.56 10.52 11.67 13.09 14.93 18.09 22.21 27.54 34.16 42.06 50.68 80 66 3.87 5.76 7.24 8.37 9.41 10.41 11.52 12.80 14.43 16.45 19.94 24.51 30.40 37.71 46.48 55.81 81 67 4.33 6.24 7.78 9.05 10.23 11.42 12.69 14.21 16.06 18.30 22.17 27.19 33.63 41.64 51.31 61.44 82 68 4.83 6.68 8.28 9.72 11.15 12.56 14.12 15.93 18.09 20.59 24.87 30.33 37.31 45.99 56.57 67.53 83 69 5.38 7.12 8.77 10.42 12.12 13.89 15.82 18.02 20.53 23.31 28.03 33.94 41.43 50.74 62.25 74.50 84 70 5.97 7.55 9.26 11.12 13.17 15.36 17.77 20.45 23.36 26.45 31.64 38.00 45.97 55.91 68.39 82.23 85 71 6.56 8.30 10.17 12.20 14.42 16.82 19.47 22.38 25.56 28.9_ 34.63 41.56 50.25 61.10 74.71 89.81 86 72 7.21 9.12 11.17 13.37 15.80 18.43 21.31 24.50 27.98 31.67 37.87 45.44 54.94 66.77 81.61 98.05 87 73 7.91 10.00 12.22 14.63 17.28 20.15 23.29 26.77 30.57 34.60 41.36 49.60 59.94 72.81 88.97 107.55 88 74 8.54 10.77 13.15 15.74 18.59 21.67 25.05 28.78 32.86 37.17 44.41 53.24 64.32 78.12 95.96 116.00 89 75 9.03 11.38 13.90 16.63 19.63 22.88 26.45 30.39 34.67 39.20 46.83 56.12 67.76 82.71 101.61 122.88 90 128.64 91 134.52 92 142.27 93 154.03 94
PREFERRED NON-SMOKER - FEMALE - ADDITIONAL INSURED RIDER
[x] [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 1 0.53 0.33 0.25 0.20 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 16 2 0.34 0.26 0.21 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 0.35 17 3 0.26 0.21 0.19 0.16 0.15 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.25 0.30 0.35 0.40 18 4 0.21 0.19 0.16 0.15 0.13 0.12 0.12 0.11 0.12 0.15 0.19 0.25 0.30 0.36 0.40 0.43 19 5 0.19 0.17 0.15 0.13 0.12 0.12 0.12 0.12 0.16 0.19 0.25 0.30 0.36 0.40 0.43 0.44 20 6 0.17 0.15 0.14 0.12 0.12 0.12 0.12 0.16 0.20 0.25 0.31 0.36 0.40 0.44 0.44 0.32 21 7 0.16 0.14 0.12 0.12 0.12 0.13 0.16 0.20 0.25 0.31 0.36 0.41 0.44 0.45 0.33 0.31 22 8 0.14 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.36 0.41 0.44 0.45 0.33 0.32 0.31 23 9 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.33 0.32 0.31 0.30 24 10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.33 0.32 0.31 0.31 0.29 25 11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.33 0.32 0.31 0.31 0.30 0.29 26 12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.33 0.32 0.31 0.31 0.30 0.29 0.28 27 13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.34 0.33 0.31 0.31 0.30 0.29 0.28 0.29 28 14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.35 0.33 0.32 0.31 0.30 0.29 0.28 0.29 0.29 29 15 0.26 0.32 0.37 0.41 0.44 0.46 0.36 0.34 0.33 0.31 0.30 0.30 0.28 0.29 0.30 0.30 30 16 0.33 0.38 0.4_ 0.43 0.45 0.36 0.35 0.34 0.32 0.31 0.30 0.29 0.29 0.30 0.31 0.31 31 17 0.38 0.41 0.4_ 0.44 0.36 0.35 0.34 0.32 0.31 0.30 0.29 0.30 0.30 0.31 0.32 0.31 32 18 0.39 0.41 0.43 0.34 0.35 0.33 0.32 0.31 0.30 0.29 0.28 0.29 0.30 0.31 0.32 0.31 33 19 0.38 0.41 0.33 0.33 0.32 0.31 0.30 0.29 0.29 0.28 0.28 0.29 0.30 0.31 0.32 0.31 34 20 0.36 0.30 0.31 0.31 0.30 0.28 0.28 0.27 0.27 0.27 0.27 0.29 0.30 0.31 0.32 0.32 35 21 0.26 0.29 0.29 0.29 0.28 0.26 0.26 0.26 0.26 0.27 0.27 0.28 0.30 0.31 0.33 0.33 36 22 0.25 0.27 0.29 0.28 0.27 0.26 0.26 0.25 0.26 0.26 0.27 0.28 0.30 0.32 0.34 0.34 37 23 0.24 0.27 0.28 0.28 0.27 0.26 0.25 0.25 0.26 0.27 0.28 0.29 0.31 0.33 0.35 0.38 38 24 0.23 0.26 0.27 0.27 0.27 0.26 0.26 0.26 0.27 0.28 0.29 0.31 0.33 0.36 0.39 0.41 39 25 0.22 0.25 0.27 0.27 0.27 0.26 0.26 0.27 0.28 0.29 0.31 0.33 0.36 0.40 0.43 0.46 40 26 0.22 0.24 0.26 0.26 0.27 0.27 0.27 0.28 0.29 0.31 0.33 0.36 0.40 0.44 0.48 0.50 41 27 0.22 0.23 0.25 0.26 0.27 0.28 0.29 0.30 0.32 0.34 0.36 0.40 0.44 0.49 0.53 0.55 42 28 0.22 0.24 0.26 0.27 0.29 0.30 0.31 0.33 0.35 0.37 0.40 0.44 0.49 0.54 0.58 0.61 43 29 0.23 0.25 0.27 0.28 0.30 0.32 0.34 0.36 0.38 0.42 0.46 0.50 0.54 0.59 0.64 0.68 44 30 0.25 0.26 0.28 0.30 0.33 0.35 0.37 0.40 0.43 0.48 0.52 0.56 0.60 0.66 0.71 0.76 45 31 0.25 0.28 0.30 0.32 0.34 0.37 0.40 0.43 0.48 0.52 0.57 0.61 0.66 0.73 0.79 0.85 46 32 0.26 0.29 0.31 0.34 0.36 0.40 0.43 0.47 0.52 0.58 0.62 0.68 0.74 0.81 0.88 0.96 47 33 0.26 0.29 0.32 0.35 0.39 0.43 0.47 0.52 0.57 0.63 0.68 0.75 0.82 0.91 1.00 1.07 48 34 0.26 0.30 0.33 0.37 0.42 0.46 0.51 0.56 0.62 0.68 0.75 0.82 0.91 1.02 1.11 1.21 49 35 0.26 0.31 0.35 0.40 0.45 0.50 0.55 0.61 0.68 0.74 0.82 0.91 1.02 1.13 1.25 1.36 50 36 0.25 0.31 0.37 0.42 0.48 0.54 0.59 0.66 0.72 0.80 0.89 0.99 1.11 1.24 1.37 1.49 51 37 0.26 0.32 0.39 0.45 0.51 0.57 0.64 0.71 0.78 0.86 0.96 1.07 1.20 1.35 1.50 1.63 52 38 0.27 0.34 0.42 0.49 0.55 0.62 0.68 0.76 0.84 0.93 1.03 1.15 1.29 1.46 1.64 1.79 53 39 0.28 0.37 0.45 0.52 0.59 0.66 0.73 0.82 0.91 1.00 1.11 1.24 1.39 1.58 1.81 1.97 54 40 0.30 0.39 0.48 0.56 0.63 0.70 0.79 0.88 0.97 1.07 1.19 1.33 1.50 1.72 1.98 2.20 55 41 0.32 0.43 0.52 0.61 0.69 0.77 0.86 0.95 1.06 1.17 1.29 1.45 1.64 1.89 2.19 2.46 56 42 0.34 0.46 0.56 0.66 0.75 0.84 0.93 1.03 1.14 1.27 1.41 1.59 1.81 2.08 2.42 2.75 57 43 0.36 0.49 0.60 0.71 0.81 0.90 1.00 1.11 1.23 1.37 1.54 1.75 2.00 2.30 2.67 3.03 58 44 0.38 0.52 0.64 0.76 0.86 0.96 1.07 1.18 1.31 1.49 1.69 1.93 2.21 2.54 2.92 3.32 59 45 0.40 0.55 0.69 0.81 0.92 1.03 1.14 1.27 1.41 1.61 1.85 2.13 2.44 2.79 3.20 3.62 60 46 0.42 0.58 0.73 0.87 0.99 1.11 1.23 1.37 1.53 1.76 2.03 2.35 2.71 3.11 3.57 4.01 61 47 0.45 0.62 0.78 0.93 1.07 1.20 1.34 1.49 1.68 1.92 2.23 2.59 2.99 3.45 3.97 4.46 62 48 0.47 0.66 0.84 1.01 1.17 1.32 1.47 1.64 1.86 2.11 2.44 2.83 3.30 3.82 4.41 4.97 63 49 0.49 0.70 0.90 1.09 1.28 1.45 1.63 1.82 2.06 2.31 2.67 3.10 3.62 4.21 4.90 5.56 64 50 0.51 0.75 0.97 1.19 1.40 1.60 1.80 2.01 2.25 2.51 2.90 3.37 3.96 4.64 5.44 6.21 65 51 0.55 0.82 1.07 1.31 1.55 1.78 2.01 2.25 2.50 2.78 3.20 3.72 4.36 5.14 6.04 6.91 66 52 0.59 0.90 1.18 1.45 1.71 1.97 2.22 2.47 2.75 3.06 3.51 4.09 4.81 5.67 6.69 7.66 67 53 0.63 0.98 1.30 1.58 1.87 2.14 2.41 2.69 2.99 3.33 3.84 4.49 5.28 6.24 7.36 8.46 68 54 0.68 1.07 1.42 1.73 2.03 2.30 2.59 2.89 3.23 3.62 4.19 4.92 5.79 6.83 8.07 9.26 69 55 0.74 1.17 1.55 1.80 2.19 2.48 2.77 3.10 3.49 3.92 4.57 5.38 6.34 7.48 8.85 10.11 70 56 0.81 1.28 1.70 2.05 2.37 2.66 2.97 3.32 3.75 4.25 4.97 5.87 6.94 8.19 9.69 11.12 71 57 0.8_ 1.42 1.87 2.25 2.57 2.88 3.22 3.59 4.04 4.60 5.41 6.41 7.59 8.97 10.63 12.26 72 58 0.99 1.58 2.08 2.48 2.82 3.16 3.51 3.91 4.36 5.00 5.89 7.00 8.30 9.83 11.67 13.57 73 59 1.10 1.77 2.32 2.75 3.12 3.49 3.87 4.27 4.75 5.43 6.41 7.62 9.06 10.78 12.91 15.03 74 60 1.24 1.98 2.58 3.06 3.48 3.86 4.26 4.68 5.20 5.91 6.97 8.29 9.89 11.88 14.27 16.63 75 61 1.39 2.20 2.86 3.39 3.85 4.27 4.69 5.14 5.69 6.44 7.62 9.09 10.98 13.30 16.04 18.83 76 62 1.5_ 2.43 3.15 3.75 4.24 4.69 5.14 5.63 6.22 7.03 8.33 10.03 12.20 14.85 18.01 21.29 77 63 1.76 2.70 3.48 4.12 4.63 5.11 5.60 6.12 6.77 7.65 9.14 11.06 13.52 16.56 20.19 23.88 78 64 1.98 3.02 3.85 4.51 5.04 5.55 6.06 6.63 7.35 8.34 10.02 12.18 14.99 18.45 22.43 26.71 79 65 2.22 3.36 4.24 4.91 5.48 6.01 6.56 7.20 8.04 9.14 11.01 13.45 16.61 20.41 24.9_ 29.71 80 66 2.49 3.69 4.62 5.32 5.94 6.52 7.14 7.90 8.87 10.08 12.22 15.02 18.53 22.88 28.05 33.50 81 67 2.78 4.00 4.96 5.73 6.44 7.12 7.87 8.77 9.88 11.23 13.67 16.76 20.72 25.63 31.54 37.71 82 68 3.11 4.27 5.27 6.15 6.98 7.83 8.75 9.83 11.13 12.64 15.35 18.81 23.22 28.70 35.39 42.34 83 69 3.46 4.55 5.57 6.56 7.58 8.64 9.80 11.12 12.64 14.26 17.32 21.16 26.02 32.10 39.61 47.65 84 70 3.83 4.82 5.86 6.99 8.22 9.55 11.01 12.62 14.33 16.12 19.58 23.82 29.15 35.82 44.22 53.61 85 71 4.21 5.28 6.42 7.65 9.00 10.45 12.04 13.77 15.62 17.58 21.49 26.29 32.35 39.94 49.53 60.31 86 72 4.61 5.78 7.03 8.37 9.84 11.43 13.14 15.01 17.03 19.15 23.58 29.02 35.89 44.53 55.45 67.78 87 73 5.04 6.32 7.68 9.14 10.75 12.46 14.31 16.34 18.53 20.84 25.82 31.96 39.74 49.52 61.93 76.51 88 74 5.42 6.79 8.24 9.81 11.52 13.34 15.33 17.50 19.84 22.30 27.82 34.63 43.27 54.17 68.45 84.88 89 75 5.71 7.1_ 8.69 10.33 12.12 14.04 16.12 18.39 20.86 23.44 29.43 36.84 46.26 58.50 74.22 92.40 90 96.60 91 100.88 92 106.65 93 115.41 94
PREFERRED SMOKER - MALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 3.25 0.73 0.46 0.35 0.28 0.25 0.21 0.20 0.18 0.16 0.18 0.21 0.25 0.35 0.47 0.65 15 1 0.78 0.48 0.37 0.30 0.26 0.23 0.21 0.19 0.17 0.17 0.19 0.23 0.32 0.43 0.60 0.78 16 2 0.51 0.39 0.31 0.28 0.24 0.22 0.20 0.18 0.18 0.18 0.22 0.30 0.40 0.56 0.73 0.91 17 3 0.41 0.33 0.29 0.25 0.23 0.21 0.19 0.19 0.19 0.20 0.28 0.38 0.53 0.68 0.85 1.02 18 4 0.35 0.31 0.27 0.24 0.22 0.20 0.19 0.20 0.21 0.27 0.36 0.50 0.64 0.80 0.96 1.10 19 5 0.33 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.35 0.48 0.61 0.76 0.91 1.04 1.12 20 6 0.30 0.27 0.24 0.22 0.21 0.21 0.23 0.29 0.36 0.46 0.59 0.73 0.87 0.99 1.06 0.94 21 7 0.28 0.25 0.23 0.22 0.22 0.24 0.30 0.37 0.48 0.58 0.71 0.84 0.95 1.02 0.95 0.92 22 8 0.26 0.24 0.23 0.23 0.25 0.31 0.39 0.50 0.60 0.70 0.82 0.93 0.99 0.94 0.93 0.90 23 9 0.25 0.24 0.24 0.25 0.32 0.40 0.51 0.62 0.73 0.82 0.92 0.97 0.92 0.91 0.91 0.89 24 10 0.25 0.25 0.26 0.33 0.41 0.53 0.64 0.75 0.84 0.92 0.96 0.90 0.90 0.90 0.90 0.88 25 11 0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 0.89 0.88 0.88 0.89 0.88 0.87 26 12 0.27 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 0.87 0.87 0.87 0.87 0.87 0.88 0.84 27 13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 0.86 0.85 0.85 0.86 0.86 0.87 0.85 0.87 28 14 0.43 0.56 0.67 0.79 0.88 0.96 0.98 0.85 0.84 0.83 0.84 0.84 0.85 0.84 0.88 0.88 29 15 0.55 0.67 0.78 0.87 0.94 0.98 0.85 0.83 0.82 0.82 0.83 0.84 0.83 0.87 0.89 0.90 30 16 0.65 0.75 0.81 0.86 0.90 0.83 0.83 0.81 0.81 0.81 0.81 0.81 0.85 0.88 0.91 0.92 31 17 0.71 0.77 0.80 0.83 0.81 0.80 0.80 0.79 0.79 0.80 0.80 0.84 0.87 0.91 0.94 0.92 32 18 0.68 0.73 0.76 0.76 0.79 0.76 0.76 0.76 0.77 0.78 0.78 0.83 0.87 0.91 0.93 0.91 33 19 0.63 0.68 0.71 0.73 0.74 0.71 0.72 0.72 0.73 0.75 0.76 0.82 0.86 0.91 0.92 0.91 34 20 0.56 0.64 0.67 0.68 0.68 0.65 0.68 0.68 0.70 0.73 0.74 0.80 0.85 0.90 0.93 0.92 35 21 0.54 0.61 0.64 0.64 0.63 0.60 0.63 0.64 0.67 0.70 0.74 0.79 0.84 0.89 0.94 0.95 36 22 0.51 0.57 0.61 0.61 0.60 0.60 0.61 0.62 0.66 0.69 0.74 0.78 0.84 0.90 0.96 0.98 37 23 0.49 0.55 0.59 0.59 0.60 0.58 0.60 0.62 0.66 0.70 0.74 0.79 0.86 0.93 0.99 1.07 38 24 0.4_ 0.52 0.56 0.58 0.59 0.59 0.60 0.63 0.67 0.71 0.77 0.81 0.89 0.98 1.08 1.18 39 25 0.44 0.49 0.55 0.57 0.59 0.60 0.62 0.65 0.69 0.73 0.80 0.86 0.96 1.08 1.19 1.30 40 26 0.42 0.47 0.52 0.56 0.60 0.62 0.64 0.67 0.71 0.76 0.84 0.93 1.05 1.19 1.34 1.45 41 27 0.42 0.46 0.51 0.56 0.61 0.64 0.67 0.71 0.75 0.81 0.90 1.02 1.16 1.33 1.49 1.61 42 28 0.43 0.47 0.53 0.58 0.63 0.67 0.71 0.76 0.81 0.88 0.99 1.12 1.28 1.47 1.65 1.80 43 29 0.45 0.50 0.55 0.60 0.66 0.71 0.76 0.81 0.88 0.98 1.10 1.25 1.42 1.62 1.83 2.02 44 30 0.48 0.53 0.59 0.64 0.70 0.76 0.81 0.89 0.98 1.09 1.23 1.39 1.57 1.80 2.04 2.28 45 31 0.51 0.57 0.62 0.69 0.75 0.82 0.89 0.98 1.10 1.22 1.37 1.55 1.76 2.01 2.28 2.54 46 32 0.55 0.60 0.66 0.73 0.80 0.88 0.98 1.08 1.22 1.36 1.53 1.73 1.97 2.25 2.55 2.84 47 33 0.54 0.62 0.70 0.78 0.87 0.97 1.08 1.20 1.34 1.50 1.70 1.93 2.21 2.52 2.87 3.18 48 34 0.55 0.64 0.73 0.83 0.95 1.06 1.19 1.32 1.48 1.65 1.88 2.15 2.47 2.84 3.20 3.58 49 35 0.55 0.67 0.78 0.91 1.03 1.16 1.30 1.46 1.63 1.81 2.08 2.38 2.75 3.16 3.58 4.01 50 36 0.57 0.71 0.85 1.00 1.15 1.30 1.46 1.63 1.82 2.02 2.32 2.66 3.06 3.52 4.00 4.45 51 37 0.61 0.77 0.94 1.11 1.28 1.45 1.63 1.83 2.04 2.26 2.58 2.94 3.39 3.91 4.44 4.88 52 38 0.66 0.85 1.05 1.25 1.44 1.62 1.82 2.05 2.27 2.52 2.86 3.26 3.74 4.30 4.90 5.39 53 39 0.73 0.96 1.18 1.40 1.61 1.82 2.04 2.28 2.54 2.79 3.16 3.58 4.10 4.71 5.43 5.97 54 40 0.81 1.08 1.33 1.58 1.80 2.03 2.27 2.54 2.81 3.10 3.48 3.93 4.4_ 5.19 6.01 6.66 55 41 0.90 1.20 1.50 1.76 2.01 2.25 2.51 2.79 3.10 3.41 3.84 4.33 4.97 5.77 6.72 7.55 56 42 0.98 1.33 1.66 1.96 2.22 2.48 2.76 3.07 3.40 3.74 4.22 4.81 5.53 6.42 7.50 8.55 57 43 1.07 1.46 1.82 2.14 2.44 2.72 3.02 3.34 3.69 4.08 4.66 5.34 6.16 7.15 8.37 9.56 58 44 1.16 1.59 1.98 2.34 2.65 2.96 3.27 3.61 3.97 4.45 5.13 5.92 6.86 7.98 9.27 10.59 59 45 1.26 1.7_ 2.15 2.55 2.89 3.22 3.55 3.90 4.29 4.85 5.64 6.56 7.63 8.84 10.23 11.66 60 46 1.35 1.85 2.33 2.77 3.15 3.50 3.85 4.24 4.67 5.28 6.17 7.21 8.38 9.67 11.18 12.68 61 47 1.45 2.01 2.53 3.02 3.46 3.83 4.21 4.64 5.15 5.78 6.76 7.88 9.14 10.58 12.23 13.81 62 48 1.54 2.18 2.76 3.30 3.81 4.24 4.66 5.13 5.71 6.35 7.37 8.55 9.95 11.55 13.39 15.11 63 49 1.65 2.36 3.01 3.62 4.20 4.70 5.18 5.69 6.31 6.95 8.00 9.27 10.81 12.60 14.65 16.56 64 50 1.75 2.56 3.28 3.96 4.61 5.18 5.73 6.30 6.91 7.56 8.66 10.04 11.73 13.71 15.98 18.10 65 51 1.85 2.77 3.57 4.31 5.01 5.66 6.28 6.83 7.49 8.18 9.38 10.90 12.77 15.00 17.57 19.98 66 52 1.97 2.99 3.87 4.67 5.42 6.12 6.77 7.40 8.05 8.81 10.13 11.80 13.88 16.35 19.22 21.94 67 53 2.09 3.21 4.17 5.01 5.80 6.52 7.18 7.86 8.59 9.42 10.90 12.75 15.03 17.74 20.94 24.15 68 54 2.22 3.44 4.46 5.35 6.16 6.86 7.55 8.29 9.11 10.03 11.68 13.74 16.23 19.19 22.84 26.36 69 55 2.36 3.68 4.78 5.70 6.51 7.21 7.92 8.70 9.64 10.65 12.48 14.77 17.49 20.84 24.89 28.70 70 56 2.53 3.96 5.13 6.08 6.89 7.60 8.34 9.16 10.16 11.30 13.30 15.79 18.82 22.45 26.86 31.09 71 57 2.73 4.28 5.53 6.51 7.33 8.06 8.84 9.70 10.71 11.98 14.17 16.95 20.26 24.21 28.99 33.78 72 58 2.97 4.65 6.00 7.04 7.88 8.66 9.47 10.33 11.33 12.72 15.15 18.17 21.79 26.11 31.36 36.29 73 59 3.25 5.09 6.56 7.66 8.55 9.38 10.20 11.06 12.07 13.59 16.20 19.46 23.41 28.17 33.67 39.00 74 60 3.55 5.58 7.16 8.34 9.32 10.17 11.01 11.87 12.96 14.53 17.32 20.81 25.14 30.18 36.16 42.12 75 61 3.92 6.09 7.79 9.07 10.12 11.00 11.86 12.77 13.92 15.55 18.52 22.29 26.83 32.34 38.97 45.51 76 62 4.32 6.60 8.41 9.81 10.90 11.83 12.75 13.72 14.95 16.66 19.84 23.75 28.66 34.77 41.95 49.15 77 63 4.76 7.19 9.09 10.56 11.66 12.63 13.60 14.65 15.98 17.81 21.10 25.29 30.73 37.35 45.10 53.05 78 64 5.25 7.87 9.84 11.31 12.43 13.43 14.45 15.57 17.03 18.92 22.43 27.04 32.92 40.06 48.40 57.08 79 65 5.78 8.56 10.61 12.06 13.22 14.27 15.34 16.60 18.15 20.18 24.02 28.98 35.28 42.95 51.86 61.12 80 66 6.33 9.21 11.32 12.80 14.05 15.18 16.39 17.75 19.50 21.78 25.95 31.32 38.12 46.39 56.05 65.80 81 67 6.93 9.75 11.89 13.51 14.92 16.24 17.59 19.19 21.27 23.75 28.26 34.01 41.28 50.10 60.49 70.78 82 68 7.56 10.21 1_.__ 14.17 15.85 17.42 19.08 21.10 23.47 26.17 31.02 37.13 44.79 54.10 65.16 75.98 83 69 8.23 10.63 12.79 14.82 16.80 18.77 20.95 23.38 26.09 29.01 34.22 40.64 48.61 58.32 70.04 81.79 84 70 8.92 11.01 13.17 15.41 17.79 20.35 23.07 25.99 29.06 32.21 37.80 44.48 52.71 62.76 75.09 88.07 85 71 9.57 11.81 14.11 16.49 19.11 21.84 24.74 27.85 31.12 34.48 40.43 47.53 56.28 66.94 80.__ 93.75 86 72 10.26 12.64 15.09 17.71 20.51 23.42 26.52 29.83 33.33 36.88 43.21 50.76 60.04 71.35 85.__ 99.72 87 73 10.97 13.51 16.19 18.99 21.97 25.07 28.36 31.89 35.60 39.36 46.07 54.07 63.90 75.84 90.4_ 107.55 88 74 11.53 14.26 17.07 20.01 23.13 26.38 29.83 33.52 37.38 41.29 48.29 56.62 66.85 79.26 95.__ 116.00 89 75 11.96 14.77 17.67 20.69 23.91 27.26 30.80 34.57 38.52 42.51 49.66 58.17 68.60 82.71 101.__ 122.88 90 128.64 91 134.52 92 ___.27 93 ___.03 94
PREFERRED SMOKER - FEMALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 1 0.53 0.33 0.25 0.20 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 16 2 0.34 0.26 0.21 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 0.35 17 3 0.26 0.21 0.19 0.16 0.15 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.25 0.30 0.35 0.40 18 4 0.21 0.19 0.16 0.15 0.13 0.12 0.12 0.11 0.12 0.15 0.19 0.25 0.30 0.36 0.40 0.43 19 5 0.19 0.17 0.15 0.13 0.12 0.12 0.12 0.12 0.16 0.19 0.25 0.30 0.36 0.40 0.43 0.44 20 6 0.17 0.15 0.14 0.12 0.12 0.12 0.12 0.16 0.20 0.25 0.31 0.36 0.40 0.44 0.44 0.66 21 7 0.16 0.14 0.12 0.12 0.12 0.13 0.16 0.20 0.25 0.31 0.36 0.41 0.44 0.45 0.66 0.64 22 8 0.14 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.36 0.41 0.44 0.45 0.65 0.65 0.63 23 9 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.64 0.64 0.63 0.62 24 10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.63 0.62 0.62 0.62 0.60 25 11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.61 0.61 0.61 0.61 0.60 0.59 26 12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.59 0.59 0.59 0.60 0.60 0.59 0.57 27 13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.59 0.58 0.5_ 0.59 0.5_ 0.59 0.57 0.59 28 14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.58 0.57 0.57 0.57 0.57 0.58 0.57 0.59 0.60 29 15 0.26 0.32 0.37 0.41 0.44 0.46 0.58 0.57 0.56 0.55 0.56 0.56 0.56 0.59 0.61 0.62 30 16 0.33 0.38 0.40 0.43 0.45 0.57 0.57 0.56 0.55 0.55 0.55 0.55 0.58 0.60 0.62 0.63 31 17 0.38 0.41 0.42 0.44 0.56 0.55 0.54 0.54 0.54 0.53 0.5_ 0.57 0.59 0.62 0.64 0.64 32 18 0.39 0.41 0.43 0.53 0.54 0.52 0.52 0.52 0.52 0.52 0.52 0.56 0.59 0.62 0.64 0.63 33 19 0.38 0.41 0.49 0.50 0.50 0.49 0.49 0.49 0.49 0.50 0.51 0.55 0.59 0.63 0.64 0.64 34 20 0.36 0.45 0.47 0.47 0.47 0.45 0.46 0.46 0.47 0.49 0.50 0.55 0.58 0.62 0.65 0.65 35 21 0.38 0.42 0.44 0.44 0.43 0.41 0.42 0.43 0.45 0.47 0.50 0.54 0.58 0.62 0.66 0.67 36 22 0.37 0.41 0.44 0.44 0.43 0.42 0.43 0.43 0.46 0.49 0.52 0.55 0.59 0.64 0.69 0.72 37 23 0.36 0.41 0.44 0.44 0.43 0.43 0.44 0.45 0.48 0.51 0.54 0.58 0.63 0.68 0.73 0.79 38 24 0.35 0.40 0.43 0.44 0.45 0.44 0.46 0.48 0.50 0.54 0.58 0.62 0.68 0.74 0.82 0.88 39 25 0.35 0.39 0.43 0.45 0.46 0.47 0.48 0.51 0.54 0.58 0.63 0.68 0.75 0.84 0.92 0.99 40 26 0.34 0.39 0.43 0.45 0.48 0.50 0.52 0.54 0.58 0.62 0.68 0.74 0.83 0.93 1.03 1.10 41 27 0.35 0.39 0.43 0.47 0.51 0.53 0.56 0.59 0.63 0.68 0.75 0.83 0.94 1.05 1.16 1.22 42 28 0.37 0.41 0.46 0.50 0.54 0.58 0.61 0.65 0.70 0.76 0.84 0.94 1.05 1.17 1.28 1.37 43 29 0.40 0.44 0.49 0.54 0.59 0.63 0.67 0.73 0.79 0.88 0.97 1.06 1.18 1.30 1.43 1.53 44 30 0.44 0.49 0.54 0.59 0.64 0.70 0.75 0.82 0.90 1.01 1.10 1.21 1.32 1.46 1.60 1.71 45 31 0.47 0.52 0.57 0.63 0.69 0.75 0.82 0.90 1.01 1.12 1.23 1.34 1.47 1.63 1.78 1.91 46 32 0.49 0.55 0.61 0.67 0.74 0.81 0.90 1.00 1.12 1.24 1.36 1.4_ 1.64 1.81 1.98 2.13 47 33 0.50 0.57 0.64 0.72 0.80 0.89 1.00 1.10 1.23 1.37 1.50 1.66 1.83 2.03 2.22 2.38 48 34 0.50 0.59 0.68 0.77 0.87 0.98 1.09 1.22 1.35 1.50 1.66 1.84 2.04 2.27 2.48 2.67 49 35 0.51 0.62 0.72 0.84 0.95 1.07 1.20 1.33 1.48 1.65 1.83 2.03 2.27 2.52 2.76 3.00 50 36 0.51 0.64 0.76 0.89 1.0_ 1.16 1.30 1.44 1.60 1.77 1.97 2.19 2.45 2.74 3.02 3.27 51 37 0.53 0.67 0.82 0.97 1.11 1.25 1.40 1.56 1.73 1.91 2.13 2.36 2.65 2.97 3.29 3.52 52 38 0.56 0.72 0.89 1.05 1.20 1.35 1.51 1.69 1.86 2.06 2.27 2.53 2.84 3.19 3.55 3.82 53 39 0.60 0.79 0.96 1.13 1.30 1.46 1.63 1.81 2.01 2.20 2.43 2.70 3.03 3.41 3.86 4.15 54 40 0.64 0.85 1.04 1.23 1.40 1.57 1.74 1.94 2.14 2.35 2.60 2.8_ 3.23 3.67 4.18 4.55 55 41 0.69 0.93 1.15 1.35 1.53 1.70 1.89 2.09 2.31 2.54 2.80 3.10 3.49 3.97 4.54 5.00 56 42 0.75 1.01 1.25 1.46 1.65 1.84 2.04 2.25 2.49 2.74 3.02 3.37 3.79 4.30 4.92 5.49 57 43 0.80 1.08 1.34 1.57 1.78 1.97 2.18 2.41 2.65 2.93 3.26 3.66 4.11 4.67 5.34 5.95 58 44 0.84 1.15 1.43 1.68 1.89 2.10 2.32 2.55 2.80 3.14 3.52 3.96 4.47 5.07 5.74 6.37 59 45 0.89 1.22 1.52 1.79 2.01 2.24 2.47 2.70 2.97 3.36 3.80 4.29 4.86 5.47 6.14 6.78 60 46 0.94 1.28 1.60 1.90 2.16 2.39 2.62 2.89 3.18 3.59 4.10 4.67 5.29 5.94 6.68 7.37 61 47 0.98 1.36 1.71 2.03 2.32 2.56 2.82 3.10 3.44 3.86 4.42 5.04 5.71 6.45 7.28 8.02 62 48 1.02 1.44 1.82 2.18 2.50 2.78 3.06 3.36 3.74 4.16 4.74 5.39 6.15 6.99 7.94 8.77 63 49 1.07 1.53 1.95 2.33 2.70 3.02 3.33 3.66 4.06 4.47 5.06 5.76 6.61 7.57 8.65 9.61 64 50 1.11 1.62 2.08 2.50 2.91 3.27 3.61 3.97 4.36 4.76 5.37 6.15 7.09 8.17 9.40 10.50 65 51 1.18 1.76 2.26 2.73 3.17 3.58 3.97 4.35 4.73 5.14 5.81 6.65 7.66 8.86 10.22 11.45 66 52 1.25 1.90 2.46 2.96 3.43 3.88 4.29 4.68 5.08 5.54 6.26 7.16 8.27 9.58 11.07 12.41 67 53 1.33 2.04 2.65 3.18 3.69 4._4 4.56 4.97 5.42 5.93 6.71 7.70 8.90 10.31 11.93 13.40 68 54 1.42 2.19 2.84 3.41 3.93 4.36 4.78 5.24 5.75 6.31 7.1_ 8.26 9.55 11.05 12.79 14.34 69 55 1.51 2.35 3.06 3.64 4.15 4.58 5.02 5.50 6.07 6.69 7.66 8.84 10.22 11.82 13.70 15.29 70 56 1.62 2.53 3.29 3.88 4.39 4.83 5.29 5.79 6.40 7.10 8.16 9.45 10.94 12.65 14.66 16.42 71 57 1.75 2.75 3.54 4.16 4.67 5.13 5.60 6.13 6.75 7.53 8.69 10.09 11.70 13.53 15.69 17.66 72 58 1.91 2.99 3.84 4.50 5.02 5.50 5.99 6.53 7.14 7.99 9.24 10.75 12.49 14.48 16.80 19.06 73 59 2.09 3.27 4.20 4.89 5.44 5.95 6.46 6.99 7.60 8.50 9.83 11.43 13.32 15.48 18.12 20.56 74 60 2.29 3.58 4.59 5.32 5.93 6.46 6.97 7.49 8.13 9.04 10.44 12.15 14.18 16.65 19.52 22.30 75 61 2.52 3.91 4.99 5.78 6.44 6.98 7.50 8.04 8.70 9.62 11.14 13.00 15.35 18.15 21.51 24.73 76 62 2.78 4.24 5.38 6.26 6.94 7.50 8.05 8.60 9.29 10.25 11.8_ 13.99 16.61 19.86 23.67 27.39 77 63 3.06 4.61 5.82 6.74 7.42 8.00 8.56 9.14 9.87 10.88 12.71 15.03 18.05 21.72 25.98 30.09 78 64 3.37 5.05 6.30 7.21 7.89 8.48 9.05 9.66 10.46 11.57 13.57 16.22 19.60 23.69 28.26 32.93 79 65 3.71 5.49 6.7_ 7.68 8.37 8.97 9.57 10.24 11.16 12.35 14.62 17.55 21.28 25.66 30.70 35.84 80 66 4.07 5.91 7.23 8.14 8.87 9.51 10.16 10.96 11.98 13.35 15.90 19.19 23.24 28.15 33.84 39.49 81 67 4.46 6.25 7.59 8.56 9.39 10.12 10.91 11.85 13.08 14.57 17.42 20.97 25.43 30.85 37.19 43.44 82 68 4.86 6.54 7.87 8.96 9.93 10.85 11.83 13.02 14.45 16.07 19.15 23.02 27.8_ 33.76 40.77 47.63 83 69 5.29 6.80 8.12 9.33 10.52 11.68 12.98 14.44 16.06 17.75 21.15 25.34 30.54 36._9 44.56 52.32 84 70 5.72 7.0_ 8.34 9.69 11.11 12.65 14.29 16.04 17.83 19.63 23.39 27.88 33.42 40.21 48.56 57.42 85 71 6.13 7.51 8._1 10.34 11.92 13.56 15.31 17.13 19.02 20.93 25.09 30.07 36.23 43.76 53.05 62.97 86 72 6.56 8.02 9.50 11.09 12.78 14.53 16.35 18.28 20.29 22.30 26.90 32.42 39.22 47.58 57.89 68.93 87 73 6.99 8.54 10.17 11.86 13.66 15.50 17.42 19.46 21.58 23.71 28.77 34.85 42.36 51.58 62.9_ 76.51 88 74 7.32 8.99 10.70 12.47 14.34 16.25 18.25 20.37 22.57 24.79 30.25 36.83 44.97 54.97 68.45 84.88 89 75 7.56 9.28 11.04 12.86 14.76 16.72 18.76 20.93 23.18 25.42 31.21 38.20 46.83 58.50 74.22 92.40 90 96.60 91 100.88 92 106.65 93 1_5.41 94
NON-SMOKER - MALE - ADDITIONAL INSURED RIDER
[x] [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 3.25 0.73 0.46 0.35 0.28 0.25 0.21 0.20 0.18 0.16 0.18 0.21 0.25 0.35 0.47 0.65 15 1 0.78 0.48 0.37 0.30 0.26 0.23 0.21 0.19 0.17 0.17 0.19 0.23 0.32 0.43 0.60 0.78 16 2 0.51 0.39 0.31 0.28 0.24 0.22 0.20 0.18 0.18 0.18 0.22 0.30 0.40 0.56 0.73 0.91 17 3 0.41 0.33 0.29 0.25 0.23 0.21 0.19 0.19 0.19 0.20 0.28 0.38 0.53 0.68 0.85 1.02 18 4 0.35 0.31 0.27 0.24 0.22 0.20 0.19 0.20 0.21 0.27 0.36 0.50 0.64 0.80 0.96 1.10 19 5 0.33 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.35 0.48 0.61 0.76 0.91 1.04 1.12 20 6 0.30 0.27 0.24 0.22 0.21 0.21 0.23 0.29 0.36 0.46 0.59 0.73 0.87 0.99 1.06 0.57 21 7 0.28 0.25 0.23 0.22 0.22 0.24 0.30 0.37 0.48 0.58 0.71 0.84 0.95 1.02 0.59 0.56 22 8 0.26 0.24 0.23 0.23 0.25 0.31 0.39 0.50 0.60 0.70 0.82 0.93 0.99 0.60 0.57 0.55 23 9 0.25 0.24 0.24 0.25 0.32 0.40 0.51 0.62 0.73 0.82 0.92 0.97 0.61 0.58 0.56 0.54 24 10 0.25 0.25 0.26 0.33 0.41 0.53 0.64 0.75 0.84 0.92 0.96 0.63 0.60 0.57 0.56 0.53 25 11 0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 0.65 0.62 0.59 0.57 0.55 0.53 26 12 0.27 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 0.67 0.64 0.61 0.58 0.56 0.54 0.51 27 13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 0.70 0.66 0.63 0.60 0.57 0.55 0.53 0.53 28 14 0.43 0.56 0.67 0.79 0.88 0.96 0.98 0.71 0.68 0.65 0.62 0.59 0.57 0.54 0.54 0.54 29 15 0.55 0.67 0.78 0.87 0.94 0.98 0.73 0.69 0.67 0.64 0.61 0.59 0.55 0.55 0.55 0.55 30 16 0.65 0.75 0.81 0.86 0.90 0.73 0.71 0.68 0.66 0.63 0.60 0.57 0.57 0.56 0.57 0.56 31 17 0.71 0.77 0.80 0.83 0.72 0.70 0.69 0.66 0.64 0.62 0.59 0.59 0.58 0.58 0.58 0.56 32 18 0.68 0.73 0.76 0.70 0.70 0.67 0.66 0.64 0.63 0.61 0.57 0.58 0.58 0.58 0.58 0.55 33 19 0.63 0.68 0.66 0.66 0.66 0.63 0.62 0.60 0.60 0.58 0.55 0.57 0.58 0.58 0.57 0.55 34 20 0.56 0.60 0.63 0.62 0.61 0.58 0.58 0.56 0.57 0.56 0.54 0.56 0.57 0.57 0.58 0.56 35 21 0.52 0.57 0.59 0.58 0.57 0.53 0.54 0.53 0.54 0.55 0.54 0.56 0.56 0.57 0.58 0.58 36 22 0.48 0.53 0.56 0.55 0.53 0.51 0.51 0.50 0.51 0.52 0.53 0.53 0.55 0.57 0.58 0.59 37 23 0.45 0.50 0.53 0.52 0.51 0.49 0.49 0.48 0.49 0.51 0.52 0.53 0.56 0.58 0.60 0.64 38 24 0.42 0.46 0.49 0.50 0.49 0.48 0.47 0.47 0.49 0.51 0.53 0.54 0.57 0.60 0.64 0.69 39 25 0.39 0.43 0.47 0.47 0.48 0.46 0.47 0.48 0.49 0.51 0.54 0.56 0.60 0.66 0.70 0.75 40 26 0.37 0.41 0.44 0.45 0.46 0.46 0.47 0.48 0.50 0.53 0.56 0.60 0.65 0.72 0.77 0.83 41 27 0.36 0.39 0.42 0.44 0.46 0.47 0.48 0.50 0.53 0.56 0.59 0.65 0.71 0.79 0.85 0.91 42 28 0.36 0.38 0.41 0.44 0.46 0.48 0.50 0.53 0.55 0.60 0.65 0.71 0.78 0.86 0.94 1.02 43 29 0.36 0.38 0.41 0.44 0.47 0.50 0.53 0.56 0.60 0.66 0.71 0.77 0.85 0.94 1.03 1.13 44 30 0.37 0.40 0.43 0.46 0.49 0.53 0.56 0.60 0.66 0.72 0.78 0.85 0.93 1.04 1.14 1.26 45 31 0.38 0.42 0.45 0.48 0.52 0.56 0.60 0.65 0.72 0.79 0.86 0.94 1.04 1.14 1.26 1.41 46 32 0.39 0.43 0.47 0.51 0.55 0.60 0.65 0.72 0.79 0.87 0.95 1.04 1.15 1.28 1.42 1.59 47 33 0.39 0.44 0.49 0.53 0.59 0.65 0.71 0.78 0.86 0.96 1.05 1.15 1.28 1.44 1.60 1.79 48 34 0.38 0.45 0.50 0.56 0.63 0.70 0.77 0.85 0.94 1.05 1.15 1.28 1.44 1.62 1.80 2.02 49 35 0.39 0.46 0.53 0.61 0.68 0.76 0.84 0.93 1.03 1.14 1.27 1.42 1.61 1.81 2.02 2.28 50 36 0.39 0.48 0.57 0.66 0.75 0.83 0.93 1.03 1.14 1.26 1.42 1.59 1.80 2.03 2.27 2.54 51 37 0.41 0.52 0.62 0.72 0.83 0.93 1.03 1.15 1.27 1.41 1.58 1.77 2.00 2.27 2.54 2.83 52 38 0.44 0.56 0.69 0.80 0.92 1.03 1.14 1.23 1.42 1.58 1.76 1.97 2.22 2.51 2.84 3.16 53 39 0.48 0.63 0.76 0.89 1.02 1.14 1.27 1.43 1.60 1.76 1.95 2.18 2.45 2.79 3.18 3.54 54 40 0.53 0.70 0.85 1.00 1.13 1.26 1.42 1.60 1.77 1.96 2.17 2.41 2.72 3.11 3.57 4.02 55 41 0.58 0.77 0.95 1.11 1.25 1.41 1.58 1.76 1.97 2.18 2.41 2.69 3.05 3.50 4.06 4.64 56 42 0.63 0.85 1.04 1.22 1.39 1.56 1.74 1.95 2.17 2.41 2.68 3.02 3.43 3.96 4.61 5.35 57 43 0.68 0.92 1.14 1.34 1.53 1.72 1.91 2.13 2.37 2.66 2.99 3.40 3.89 4.50 5.24 6.09 58 44 0.73 0.99 1.24 1.47 1.67 1.88 2.09 2.32 2.59 2.93 3.34 3.83 4.41 5.11 5.90 6.91 59 45 0.78 1.08 1.35 1.61 1.83 2.05 2.28 2.54 2.83 3.24 3.74 4.32 5.00 5.76 6.68 7.79 60 46 0.85 1.17 1.47 1.76 2.01 2.25 2.51 2.80 3.12 3.59 4.17 4.84 5.59 6.45 7.46 8.64 61 47 0.91 1.27 1.61 1.93 2.22 2.50 2.78 3.10 3.50 4.00 4.65 5.37 6.24 7.22 8.33 9.60 62 48 0.97 1.38 1.76 2.12 2.48 2.79 3.11 3.48 3.95 4.47 5.15 5.98 6.95 8.04 9.30 10.71 63 49 1.04 1.51 1.94 2.36 2.77 3.14 3.52 3.94 4.45 4.93 5.73 6.63 7.71 8.95 10.38 11.98 64 50 1.12 1.65 2.14 2.61 3.08 3.52 3.96 4.43 4.95 5.55 6.34 7.32 8.53 9.93 11.57 13.37 65 51 1.19 1.81 2.36 2.80 3.41 3.92 4.42 4.93 5.50 6.14 7.01 8.11 9.47 11.10 12.98 15.08 66 52 1.28 1.97 2.59 3.17 3.75 4.31 4.85 5.43 6.04 6.75 7.73 8.96 10.51 12.36 14.51 16.92 67 53 1.38 2.15 2.83 3.46 4.09 4.67 5.27 5.90 6.58 7.36 8.48 9.89 11.62 13.70 16.15 19.06 68 54 1.48 2.34 3.09 3.76 4.41 5.03 5.67 6.35 7.12 8.00 9.27 10.88 12.82 15.14 18.03 21.29 69 55 1.60 2.55 3.37 4.08 4.78 5.41 6.07 6.80 7.68 8.67 10.12 11.94 14.12 16.82 20.10 23.73 70 56 1.75 2.79 3.68 4.46 5.17 5.82 6.52 7.31 8.28 9.39 11.02 13.05 15.55 18.54 22.20 26.33 71 57 1.92 3.06 4.06 4.89 5.61 6.30 7.05 7.90 8.90 10.17 12.00 14.33 17.12 20.47 24.56 29.32 72 58 2.13 3.41 4.51 5.40 6.16 6.91 7.71 8.59 9.62 11.04 13.13 15.72 18.85 22.61 27.22 32.31 73 59 2.38 3.82 5.02 5.99 6.82 7.63 8.48 9.39 10.48 12.06 14.36 17.24 20.75 25.01 29.98 35.63 74 60 2.67 4.27 5.60 6.65 7.59 8.45 9.35 10.30 11.50 13.20 15.72 18.89 22.84 27.48 33.04 39.26 75 61 3.00 4.76 6.21 7.38 8.41 9.34 10.29 11.34 12.65 14.46 17.22 20.73 25.00 30.22 36.32 43.29 76 62 3.38 5.27 6.85 8.15 9.26 10.26 11.32 12.47 13.91 15.87 18.90 22.65 27.41 33.15 39.91 47.73 77 63 3.80 5.85 7.56 8.97 10.12 11.22 12.36 13.63 15.22 17.39 20.62 24.76 29.97 36.33 43.81 52.62 78 64 4.27 6.54 8.36 9.82 11.03 12.20 13.44 14.83 16.64 18.94 22.49 27.01 32.77 39.79 48.02 57.88 79 65 4.80 7.27 9.21 10.71 12.01 13.27 14.62 16.21 18.18 20.74 24.58 29.53 35.86 43.58 52.58 63.35 80 66 5.38 8.00 10.05 11.63 13.06 14.47 16.00 17.78 20.04 22.84 27.09 32.59 39.58 48.10 58.10 69.76 81 67 6.02 8.66 10.80 12.56 14.21 15.86 17.62 19.73 22.30 25.42 30.12 36.16 43.79 53.11 64.14 76.80 82 68 6.71 9.27 11.50 13.50 15.43 17.45 19.62 22.13 25.12 28.59 33.78 40.33 48.58 58.66 70.71 84.41 83 69 7.47 9.89 12.18 14.48 16.83 19.30 21.97 25.03 28.51 32.37 38.07 45.13 53.94 64.72 77.81 93.12 84 70 8.30 10.49 12.86 15.44 18.29 21.34 24.69 28.40 32.44 36.73 43.00 50.53 59.86 71.31 85.49 102.79 85 71 9.11 11.53 11.13 16.95 20.03 23.37 27.04 31.09 35.50 40.20 47.05 55.26 65.44 77.94 93.39 112.25 86 72 10.02 12.66 15.51 18.57 21.95 25.60 29.60 34.02 38.86 43.99 51.46 60.43 71.53 85.16 102.01 122.57 87 73 10.99 13.89 16.98 20.32 24.00 27.98 32.35 37.19 42.46 48.05 56.18 65.96 78.04 92.88 111.21 134.42 88 74 11.85 14.95 18.27 21.86 25.82 30.09 34.79 39.98 45.63 51.62 60.34 70.80 83.75 99.64 119.96 145.00 89 75 12.54 15.80 19.31 23.10 27.27 31.78 36.73 42.20 48.14 54.44 63.62 74.62 88.23 105.49 127.02 153.59 90 160.80 91 168.13 92 177.85 93 192.55 94
NON-SMOKER - FEMALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 1 0.53 0.33 0.25 0.20 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 16 2 0.34 0.26 0.21 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 0.35 17 3 0.26 0.21 0.19 0.16 0.15 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.25 0.30 0.35 0.40 18 4 0.21 0.19 0.16 0.15 0.13 0.12 0.12 0.11 0.12 0.15 0.19 0.25 0.30 0.36 0.40 0.43 19 5 0.19 0.17 0.15 0.13 0.12 0.12 0.12 0.12 0.16 0.19 0.25 0.30 0.36 0.40 0.43 0.44 20 6 0.17 0.15 0.14 0.12 0.12 0.12 0.12 0.16 0.20 0.25 0.31 0.36 0.40 0.44 0.44 0.40 21 7 0.16 0.14 0.12 0.12 0.12 0.13 0.16 0.20 0.25 0.31 0.36 0.41 0.44 0.45 0.41 0.39 22 8 0.14 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.36 0.41 0.44 0.45 0.42 0.40 0.38 23 9 0.13 0.1_ 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.43 0.41 0.39 0.38 24 10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.44 0.42 0.40 0.38 0.37 25 11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.45 0.43 0.41 0.39 0.37 0.36 26 12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.46 0.44 0.42 0.40 0.38 0.37 0.35 27 13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.48 0.45 0.43 0.41 0.39 0.37 0.35 0.36 28 14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.49 0.46 0.44 0.42 0.40 0.38 0.36 0.37 0.37 29 15 0.26 0.32 0.37 0.41 0.44 0.46 0.50 0.48 0.45 0.43 0.41 0.39 0.37 0.37 0.37 0.38 30 16 0.33 0.38 0.40 0.43 0.45 0.50 0.49 0.47 0.44 0.43 0.40 0.38 0.38 0.38 0.39 0.39 31 17 0.38 0.41 0.42 0.44 0.50 0.48 0.47 0.45 0.43 0.42 0.39 0.39 0.39 0.39 0.40 0.39 32 18 0.39 0.41 0.43 0.48 0.48 0.46 0.44 0.43 0.42 0.41 0.39 0.39 0.40 0.40 0.40 0.38 33 19 0.38 0.41 0.45 0.46 0.45 0.43 0.42 0.41 0.40 0.39 0.37 0.39 0.39 0.40 0.40 0.39 34 20 0.36 0.42 0.43 0.43 0.42 0.39 0.39 0.38 0.38 0.38 0.37 0.38 0.39 0.40 0.40 0.40 35 21 0.36 0.40 0.41 0.40 0.39 0.36 0.36 0.36 0.36 0.37 0.37 0.38 0.39 0.40 0.41 0.41 36 22 0.34 0.38 0.40 0.39 0.38 0.36 0.36 0.35 0.36 0.37 0.37 0.38 0.39 0.41 0.42 0.43 37 23 0.34 0.37 0.39 0.38 0.37 0.36 0.35 0.35 0.36 0.37 0.38 0.39 0.41 0.43 0.44 0.47 38 24 0.32 0.36 0.38 0.38 0.37 0.36 0.36 0.36 0.37 0.38 0.40 0.41 0.43 0.46 0.48 0.52 39 25 0.31 0.34 0.37 0.37 0.38 0.37 0.37 0.37 0.39 0.41 0.42 0.44 0.47 0.51 0.54 0.57 40 26 0.30 0.33 0.36 0.37 0.38 0.38 0.38 0.39 0.41 0.43 0.45 0.48 0.52 0.56 0.60 0.63 41 27 0.30 0.33 0.35 0.37 0.38 0.39 0.40 0.42 0.44 0.47 0.49 0.53 0.57 0.62 0.66 0.69 42 28 0.31 0.33 0.36 0.38 0.40 0.41 0.43 0.45 0.48 0.52 0.55 0.59 0.63 0.69 0.73 0.77 43 29 0.33 0.35 0.37 0.39 0.42 0.44 0.47 0.50 0.53 0.59 0.62 0.66 0.71 0.76 0.80 0.85 44 30 0.34 0.37 0.40 0.42 0.45 0.48 0.51 0.55 0.60 0.66 0.70 0.74 0.78 0.84 0.89 0.95 45 31 0.35 0.38 0.41 0.44 0.48 0.52 0.55 0.60 0.66 0.73 0.77 0.81 0.87 0.93 0.99 1.06 46 32 0.36 0.40 0.43 0.47 0.51 0.55 0.60 0.66 0.73 0.80 0.84 0.90 0.96 1.03 1.11 1.19 47 33 0.36 0.40 0.45 0.49 0.54 0.59 0.66 0.72 0.79 0.87 0.93 0.99 1.07 1.16 1.25 1.34 48 34 0.35 0.41 0.46 0.52 0.58 0.65 0.71 0.78 0.86 0.95 1.02 1.09 1.19 1.30 1.39 1.51 49 35 0.36 0.42 0.49 0.56 0.63 0.70 0.77 0.85 0.94 1.03 1.11 1.21 1.33 1.45 1.56 1.70 50 36 0.35 0.43 0.51 0.59 0.67 0.74 0.83 0.91 1.01 1.11 1.21 1.32 1.44 1.58 1.71 1.87 51 37 0.36 0.45 0.54 0.63 0.71 0.80 0.89 0.98 1.08 1.20 1.31 1.42 1.56 1.72 1.88 2.03 52 38 0.37 0.47 0.58 0.67 0.77 0.85 0.95 1.06 1.17 1.30 1.40 1.53 1.68 1.87 2.06 2.24 53 39 0.39 0.51 0.62 0.72 0.82 0.92 1.02 1.14 1.26 1.39 1.51 1.64 1.81 2.02 2.26 2.47 54 40 0.42 0.55 0.67 0.78 0.88 0.98 1.09 1.22 1.35 1.49 1.61 1.76 1.95 2.20 2.48 2.75 55 41 0.45 0.59 0.73 0.85 0.96 1.07 1.19 1.32 1.47 1.62 1.76 1.92 2.14 2.41 2.74 3.07 56 42 0.48 0.64 0.78 0.92 1.04 1.16 1.29 1.43 1.59 1.76 1.92 2.11 2.35 2.66 3.03 3.44 57 43 0.50 0.68 0.84 0.98 1.12 1.25 1.3_ 1.54 1.70 1.91 2.10 2.33 2.60 2.93 3.34 3.79 58 44 0.53 0.7_ 0.90 1.06 1.20 1.33 1.48 1.64 1.82 2.07 2.30 2.56 2.88 3.25 3.65 4.16 59 45 0.56 0.76 0.95 1.13 1.28 1.43 1.59 1.76 1.96 2.24 2.52 2.83 3.18 3.56 4.00 4.52 60 46 0.59 0.81 1.01 1.21 1.38 1.54 1.71 1.90 2.12 2.44 2.76 3.13 3.53 3.96 4.46 5.02 61 47 0.62 0.86 1.08 1.30 1.49 1.67 1.86 2.07 2.34 2.67 3.04 3.44 3.90 4.40 4.96 5.57 62 48 0.65 0.91 1.16 1.40 1.63 1.83 2.04 2.28 2.59 2.93 3.32 3.77 4.29 4.87 5.51 6.22 63 49 0.68 0.98 1.25 1.52 1.78 2.02 2.26 2.53 2.86 3.20 3.62 4.12 4.71 5.38 6.13 6.95 64 50 0.71 1.04 1.35 1.65 1.94 2.22 2.50 2.80 3.12 3.49 3.94 4.49 5.15 5.92 6.80 7.76 65 51 0.76 1.14 1.49 1.82 2.15 2.48 2.79 3.12 3.47 3.87 4.34 4.94 5.63 6.55 7.55 8.64 66 52 0.81 1.25 1.64 2.01 2.37 2.73 3.08 3.44 3.81 4.25 4.77 5.44 6.26 7.24 8.36 9.58 67 53 0.88 1.36 1.80 2.20 2.60 2.97 3.34 3.73 4.15 4.63 5.22 5.97 6.88 7.96 9.20 10.58 68 54 0.95 1.49 1.97 2.40 2.81 3.20 3.59 4.01 4.49 5.03 5.70 6.54 7.54 8.72 10.09 11.58 69 55 1.0_ 1.63 2.15 2.61 3.04 3.44 3.85 4.30 4.84 5.45 6.21 7.15 8.26 9.54 11.06 12.64 70 56 1.12 1.78 2.36 2.85 3.30 3.70 4.13 4.62 5.21 5.90 6.76 7.81 9.03 10.45 12.12 13.91 71 57 1.23 1.97 2.60 3.12 3.58 4.00 4.47 4.98 5.61 6.39 7.36 8.53 9.88 11.44 13.29 15.33 72 58 1.37 2.19 2.89 3.45 3.92 4.39 4.88 5.43 6.06 6.94 8.01 9.30 10.80 12.54 14.59 16.97 73 59 1.53 2.45 3.22 3.82 4.34 4.84 5.37 5.93 6.60 7.54 8.71 10.13 11.80 13.75 16.13 18.78 74 60 1.72 2.74 3.59 4.24 4.83 5.37 5.92 6.51 7.22 8.21 9.47 11.02 12.88 15.16 17.84 20.79 75 61 1.93 3.05 3.98 4.71 5.35 5.93 6.51 7.14 7.90 8.95 10.35 12.09 14.30 16.96 20.05 23.53 76 62 2.17 3.38 4.38 5.20 5.89 6.51 7.14 7.81 8.64 9.76 11.32 13.34 15.88 18.94 22.51 26.60 77 63 2.44 3.75 4.83 5.72 6.44 7.10 7.77 8.50 9.41 10.62 12.42 14.71 17.61 21.13 25.23 29.84 78 64 2.75 4.19 5.35 6.26 7.01 7.70 8.41 9.21 10.21 11.59 13.61 16.20 19.51 23.54 28.04 33.38 79 65 3.09 4.66 5.89 6.82 7.61 8.35 9.11 10.00 11.17 12.70 14.95 17.89 21.63 26.0_ 31.12 37.15 80 66 3.46 5.13 6.42 7.39 8.25 9.06 9.92 10.98 12.32 14.00 16.60 19.97 24.13 29.18 35.07 41.87 81 67 3.87 5.55 6.89 7.96 8.94 9.88 10.93 12.18 13.72 15.60 18.57 22.29 26.98 32.70 39.43 47.14 82 68 4.32 5.94 7.32 8.54 9.70 10.87 12.16 13.66 15.46 17.56 20.86 25.01 30.24 36.61 44.23 52.92 83 69 4.80 6.3_ 7.74 9.11 10.53 12.01 13.61 15.45 17.55 19.81 23.54 28.14 33.89 40.93 49.52 59.56 84 70 5.32 6.69 8.14 9.71 11.42 13.27 15.29 17.53 19.90 22.39 26.61 31.67 37.95 45.69 55.28 67.02 85 71 5.84 7.33 8.92 10.63 12.50 14.51 16.73 19.12 21.69 24.41 29.19 34.96 42.12 50.95 61.92 75.39 86 72 6.40 8.04 9.77 11.63 13.67 15.88 18.25 20.84 23.66 26.60 32.03 38.59 46.73 56.79 69.32 84.72 87 73 7.00 8.78 10.67 12.70 14.93 17.30 19.87 22.70 25.74 28.94 35.09 42.50 51.74 63.17 77.41 95.73 88 74 7.53 9.43 11.45 13.63 16.00 18.53 21.29 24.30 27.56 30.98 37.79 46.05 56.34 69.09 85.55 10_.10 89 75 7.93 9.94 12.07 14.35 16.83 19.50 22.38 25.55 28.97 32.55 39.98 49.00 60.23 74.62 92.79 115.51 90 120.74 91 126.11 92 133.31 93 144.25 94
SMOKER - MALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 3.25 0.73 0.46 0.35 0.28 0.25 0.21 0.20 0.18 0.16 0.18 0.21 0.25 0.35 0.47 0.65 15 1 0.78 0.48 0.37 0.30 0.26 0.23 0.21 0.19 0.17 0.17 0.19 0.23 0.32 0.43 0.60 0.78 16 2 0.51 0.39 0.31 0.28 0.24 0.22 0.20 0.18 0.18 0.18 0.22 0.30 0.40 0.56 0.73 0.91 17 3 0.41 0.33 0.29 0.25 0.23 0.21 0.19 0.19 0.19 0.20 0.28 0.38 0.53 0.68 0.85 1.02 18 4 0.35 0.31 0.27 0.24 0.22 0.20 0.19 0.20 0.21 0.27 0.36 0.50 0.64 0.80 0.96 1.10 19 5 0.33 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.35 0.48 0.61 0.76 0.91 1.04 1.12 20 6 0.30 0.27 0.24 0.22 0.21 0.21 0.23 0.29 0.36 0.46 0.59 0.73 0.87 0.99 1.06 1.15 21 7 0.28 0.25 0.23 0.22 0.22 0.24 0.30 0.37 0.48 0.58 0.71 0.84 0.95 1.02 1.16 1.12 22 8 0.26 0.24 0.23 0.23 0.25 0.31 0.39 0.50 0.60 0.70 0.82 0.93 0.99 1.19 1.13 1.10 23 9 0.25 0.24 0.24 0.25 0.32 0.40 0.51 0.62 0.73 0.82 0.92 0.97 1.22 1.16 1.11 1.09 24 10 0.25 0.25 0.26 0.33 0.41 0.53 0.64 0.75 0.84 0.92 0.96 1.25 1.19 1.14 1.10 1.07 25 11 0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 1.28 1.22 1.17 1.13 1.08 1.06 26 12 0.27 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 1.31 1.25 1.20 1.16 1.11 1.07 1.03 27 13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 1.29 1.27 1.23 1.19 1.14 1.10 1.04 1.06 28 14 0.43 0.56 0.67 0.79 0.88 0.96 0.98 1.28 1.26 1.25 1.22 1.16 1.13 1.07 1.07 1.08 29 15 0.55 0.67 0.78 0.87 0.94 0.98 1.28 1.24 1.23 1.23 1.19 1.15 1.09 1.10 1.09 1.10 30 16 0.65 0.75 0.81 0.86 0.90 1.24 1.24 1.22 1.21 1.22 1.17 1.12 1.13 1.12 1.12 1.13 31 17 0.71 0.77 0.80 0.83 1.21 1.20 1.20 1.19 1.19 1.20 1.15 1.16 1.15 1.15 1.14 1.12 32 18 0.68 0.73 0.76 1.14 1.18 1.15 1.15 1.15 1.16 1.17 1.12 1.14 1.15 1.16 1.14 1.11 33 19 0.63 0.68 1.06 1.09 1.10 1.07 1.08 1.08 1.10 1.13 1.09 1.13 1.15 1.16 1.13 1.11 34 20 0.56 0.96 1.01 1.02 1.03 0.98 1.01 1.01 1.05 1.09 1.06 1.11 1.13 1.14 1.13 1.12 35 21 0.81 0.91 0.96 0.96 0.95 0.91 0.95 0.96 1.00 1.06 1.06 1.09 1.11 1.13 1.15 1.16 36 22 0.76 0.86 0.92 0.92 0.91 0.89 0.91 0.93 0.98 1.04 1.06 1.08 1.11 1.14 1.17 1.20 37 23 0.73 0.82 0.89 0.89 0.89 0.88 0.90 0.93 0.98 1.05 1.07 1.09 1.14 1.18 1.21 1.31 38 24 0.69 0.78 0.84 0.87 0.88 0.88 0.91 0.95 1.00 1.06 1.11 1.12 1.19 1.24 1.33 1.44 39 25 0.66 0.73 0.82 0.85 0.88 0.90 0.93 0.97 1.03 1.10 1.15 1.19 1.27 1.38 1.46 1.59 40 26 0.63 0.71 0.79 0.83 0.89 0.92 0.96 1.01 1.07 1.15 1.21 1.28 1.39 1.52 1.63 1.77 41 27 0.63 0.69 0.77 0.84 0.91 0.96 1.00 1.06 1.13 1.22 1.29 1.41 1.54 1.69 1.82 1.97 42 28 0.64 0.71 0.79 0.87 0.94 1.00 1.06 1.13 1.22 1.32 1.43 1.55 1.70 1.87 2.02 2.20 43 29 0.67 0.74 0.82 0.90 0.99 1.06 1.14 1.22 1.32 1.47 1.59 1.72 1.88 2.06 2.24 2.47 44 30 0.72 0.79 0.88 0.96 1.05 1.14 1.22 1.33 1.47 1.64 1.77 1.92 2.09 2.29 2.49 2.78 45 31 0.76 0.85 0.93 1.03 1.12 1.23 1.33 1.47 1.64 1.83 1.98 2.14 2.33 2.56 2.79 3.10 46 32 0.79 0.90 1.00 1.09 1.20 1.32 1.47 1.63 1.82 2.03 2.20 2.39 2.61 2.86 3.12 3.48 47 33 0.81 0.93 1.04 1.17 1.30 1.45 1.62 1.80 2.01 2.25 2.44 2.66 2.93 3.21 3.51 3.89 48 34 0.82 0.96 1.10 1.25 1.42 1.59 1.78 1.99 2.21 2.47 2.71 2.97 3.27 3.61 3.92 4.37 49 35 0.83 1.00 1.17 1.36 1.54 1.75 1.95 2.18 2.44 2.72 2.99 3.29 3.64 4.02 4.38 4.91 50 36 0.85 1.07 1.28 1.50 1.72 1.94 2.19 2.44 2.73 3.04 3.33 3.67 4.06 4.49 4.89 5.44 51 37 0.91 1.16 1.40 1.67 1.92 2.17 2.44 2.74 3.06 3.39 3.71 4.07 4.50 4.97 5.43 5.96 52 38 0.99 1.28 1.58 1.87 2.16 2.43 2.73 3.08 3.41 3.78 4.11 4.50 4.95 5.47 5.99 6.59 53 39 1.09 1.44 1.78 2.10 2.41 2.73 3.06 3.42 3.81 4.19 4.55 4.95 5.43 6.00 6.64 7.30 54 40 1.22 1.62 2.00 2.37 2.70 3.04 3.41 3.80 4.21 4.65 5.01 5.43 5.94 6.60 7.35 8.13 55 41 1.34 1.81 2.25 2.65 3.02 3.38 3.76 4.19 4.65 5.12 5.52 5.98 6.59 7.34 8.21 9.23 56 42 1.47 2.00 2.49 2.94 3.33 3.73 4.14 4.61 5.10 5.62 6.07 6.64 7.33 8.17 9.17 10.45 57 43 1.60 2.19 2.73 3.22 3.66 4.08 4.53 5.01 5.53 6.12 6.70 7.38 8.16 9.10 10.23 11.68 58 44 1.74 2.38 2.97 3.51 3.98 4.44 4.91 5.42 5.95 6.67 7.38 8.18 9.09 10.15 11.33 12.95 59 45 1.89 2.58 3.23 3.82 4.33 4.82 5.32 5.84 6.43 7.27 8.11 9.06 10.12 11.25 12.51 14.26 60 46 2.0_ 2.78 3.49 4.16 4.73 5.25 5.78 6.36 7.01 7.92 8.88 9.96 11.11 12.31 13.66 15.50 61 47 2.17 3.01 3.80 4.53 5.19 5.74 6.32 6.96 7.73 8.68 9.73 10.87 12.12 13.46 14.95 16.88 62 48 2.31 3.27 4.15 4.96 5.71 6.36 6.99 7.69 8.56 9.52 10.60 11.81 13.19 14.70 16.37 18.47 63 49 2.47 3.54 4.52 5.43 6.30 7.04 7.76 8.54 9.47 10.42 11.51 12.80 14.33 16.03 17.90 20.24 64 50 2.62 3.85 4.92 5.94 6.91 7.77 8.59 9.44 10.37 11.34 12.46 13.86 15.55 17.44 19.54 22.12 65 51 2.78 4.15 5.36 6.47 7.52 8.50 9.41 10.32 11.23 12.27 13.50 15.05 16.93 19.09 21.47 24.41 66 52 2.95 4.49 5.81 7.00 8.12 9.18 10.16 11.10 12.07 13.22 14.58 16.30 18.40 20.81 23.50 26.81 67 53 3.13 4.82 6.25 7.51 8.70 9.78 10.77 11.79 12.89 14.13 15.68 17.61 19.92 22.58 25.59 29.52 68 54 3.33 5.16 6.69 8.02 9.24 10.29 11.32 12.43 13.67 15.05 16.80 18.97 21.51 24.42 27.92 32.22 69 55 3.54 5.52 7.17 8.55 9.76 10.81 11.88 13.05 14.45 15.98 17.96 20.39 23.19 26.52 30.42 35.08 70 56 3.79 5.93 7.70 9.11 10.33 11.40 12.51 13.75 15.25 16.94 19.14 21.80 24.95 28.57 32.__ 38.00 71 57 4.09 6.42 8.29 9.77 10.99 12.10 13.27 14.55 16.07 17.97 20.39 23.41 26.85 30.81 35.44 41.28 72 58 4.46 6.98 9.00 10.56 11.81 12.99 14.20 15.50 16.99 19.09 21.81 25.10 28.89 33.23 38.33 44.35 73 59 4.87 7.63 9.84 11.49 12.83 14.06 15.30 16.59 18.11 20.38 23.31 26.87 31.03 35.86 41.16 47.66 74 60 5.33 8.37 10.75 12.51 13.93 15.25 16.51 17.81 19.44 21.79 24.93 28.74 33.32 38.41 44.19 51.48 75 61 5.88 9.13 11.69 13.60 15.18 16.49 17.78 19.16 20.88 23.33 26.65 30.78 35.57 41.15 47.63 55.63 76 62 6.48 9.91 12.62 14.72 16.35 17.74 19.12 20.58 22.43 24.99 28.55 32.80 38.00 44.26 51.28 60.07 77 63 7.14 10.78 13.64 15.84 17.48 18.95 20.40 21.98 23.96 26.71 30.36 34.93 40.73 47.54 55.13 64.83 78 64 7.87 11.80 14.76 16.96 18.64 20.14 21.67 23.35 25.55 28.37 32.27 37.34 43.63 50.99 59.15 69.77 79 65 8.66 12.84 15.92 18.09 19.83 21.40 23.01 24.89 27.23 30.27 34.57 40.02 46.77 54.65 63.39 74.70 80 66 9.50 13.82 16.98 19.19 21.07 22.78 24.58 26.63 29.25 32.68 37.34 43.25 50.53 59.04 68.51 80.42 81 67 10.40 14.63 17.84 20.26 22.38 24.36 26.39 28.79 31.90 35.62 40.66 46.97 54.71 63.77 73.94 86.50 82 68 11._4 15.31 18.54 21.26 23.77 26.13 28.62 31.65 35.21 39.25 44.65 51.27 59.37 68.85 79.64 92.85 83 69 12.34 15.95 19.18 22.23 25.20 28.16 31.43 35.07 39.14 43.51 49.24 56.12 64.44 74.23 85.60 99.98 84 70 13.38 16.51 19.76 23.12 26.68 30.52 34.60 38.98 43.60 48.31 54.39 61.42 69.87 79.87 91.78 107.64 85 71 14.35 17.71 21.16 24.73 28.66 32.75 37.11 41.78 46.69 51.72 58.18 65.64 74.60 85.19 97.80 114.60 86 72 15.39 18.97 22.63 26.57 30.76 35.14 39.78 44.75 49.99 55.32 62.18 70.10 79.58 90.80 104.13 122.57 87 73 16.45 20.26 24.28 28.48 32.95 37.61 42.55 47.84 53.39 59.04 66.30 74.67 84.70 96.53 111.21 134.42 88 74 17.30 21.39 25.60 30.01 34.70 39.58 44.75 50.28 56.07 61.95 69.49 78.19 88.60 100.88 119.96 145.00 89 75 17.93 22.15 26.50 31.04 35.86 40.88 46.19 51.85 57.78 63.76 71.47 80.34 90.93 105.49 127.02 153.59 90 160.80 91 168.13 92 177.85 93 192.55 94
SMOKER - FEMALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 2.32 0.52 0.33 0.25 0.20 0.18 0.15 0.14 0.13 0.11 0.11 0.11 0.12 0.15 0.19 0.24 15 1 0.53 0.33 0.25 0.20 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 16 2 0.34 0.26 0.21 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 0.35 17 3 0.26 0.21 0.19 0.16 0.15 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.25 0.30 0.35 0.40 18 4 0.21 0.19 0.16 0.15 0.13 0.12 0.12 0.11 0.12 0.15 0.19 0.25 0.30 0.36 0.40 0.43 19 5 0.19 0.17 0.15 0.13 0.12 0.12 0.12 0.12 0.16 0.19 0.25 0.30 0.36 0.40 0.43 0.44 20 6 0.17 0.15 0.14 0.12 0.12 0.12 0.12 0.16 0.20 0.25 0.31 0.36 0.40 0.44 0.44 0.81 21 7 0.16 0.14 0.12 0.12 0.12 0.13 0.16 0.20 0.25 0.31 0.36 0.41 0.44 0.45 0.81 0.79 22 8 0.14 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.36 0.41 0.44 0.45 0.83 0.79 0.77 23 9 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.85 0.81 0.77 0.75 24 10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.86 0.83 0.79 0.76 0.73 25 11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.88 0.84 0.81 0.78 0.74 0.72 26 12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.89 0.86 0.82 0.79 0.76 0.73 0.70 27 13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.88 0.87 0.84 0.81 0.77 0.75 0.70 0.72 28 14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.88 0.86 0.85 0.82 0.79 0.76 0.72 0.73 0.73 29 15 0.26 0.32 0.37 0.41 0.44 0.46 0.87 0.85 0.84 0.83 0.81 0.78 0.74 0.74 0.74 0.76 30 16 0.33 0.38 0.40 0.43 0.45 0.86 0.85 0.84 0.82 0.82 0.79 0.75 0.76 0.76 0.76 0.78 31 17 0.38 0.41 0.42 0.44 0.83 0.83 0.82 0.81 0.80 0.80 0.77 0.78 0.78 0.79 0.78 0.78 32 18 0.39 0.41 0.43 0.79 0.81 0.79 0.78 0.78 0.78 0.78 0.75 0.77 0.79 0.79 0.79 0.77 33 19 0.38 0.41 0.74 0.75 0.76 0.73 0.73 0.73 0.74 0.75 0.73 0.76 0.78 0.80 0.78 0.78 34 20 0.36 0.67 0.70 0.71 0.70 0.67 0.68 0.68 0.70 0.73 0.72 0.75 0.77 0.79 0.79 0.79 35 21 0.57 0.63 0.66 0.66 0.65 0.62 0.64 0.65 0.67 0.71 0.72 0.75 0.77 0.79 0.81 0.82 36 22 0.55 0.62 0.66 0.65 0.64 0.63 0.64 0.65 0.69 0.73 0.75 0.76 0.79 0.82 0.85 0.88 37 23 0.55 0.61 0.66 0.65 0.65 0.64 0.66 0.68 0.71 0.76 0.78 0.80 0.83 0.87 0.90 0.97 38 24 0.53 0.60 0.65 0.66 0.67 0.67 0.68 0.71 0.76 0.81 0.84 0.85 0.90 0.94 1.00 1.08 39 25 0.52 0.58 0.64 0.67 0.70 0.70 0.73 0.77 0.81 0.86 0.90 0.93 0.99 1.06 1.12 1.21 40 26 0.52 0.58 0.64 0.68 0.72 0.75 0.78 0.82 0.87 0.93 0.98 1.03 1.10 1.19 1.26 1.34 41 27 0.53 0.58 0.65 0.70 0.76 0.80 0.84 0.89 0.95 1.03 1.08 1.15 1.24 1.34 1.41 1.49 42 28 0.56 0.62 0.68 0.75 0.81 0.87 0.91 0.98 1.05 1.15 1.21 1.30 1.39 1.49 1.57 1.67 43 29 0.60 0.66 0.73 0.81 0.83 0.94 1.01 1.09 1.18 1.32 1.39 1.47 1.56 1.66 1.75 1.87 44 30 0.66 0.73 0.81 0.88 0.96 1.05 1.12 1.23 1.36 1.51 1.59 1.67 1.75 1.86 1.95 2.09 45 31 0.70 0.79 0.86 0.95 1.03 1.13 1.23 1.35 1.51 1.68 1.76 1.85 1.95 2.07 2.17 2.33 46 32 0.74 0.83 0.92 1.01 1.11 1.22 1.35 1.50 1.68 1.86 1.95 2.06 2.18 2.31 2.42 2.61 47 33 0.75 0.86 0.96 1.08 1.20 1.34 1.49 1.65 1.84 2.05 2.16 2.29 2.43 2.58 2.72 2.91 48 34 0.76 0.89 1.02 1.15 1.31 1.47 1.64 1.82 2.02 2.25 2.39 2.54 2.71 2.89 3.03 3.26 49 35 0.77 0.93 1.08 1.26 1.43 1.61 1.79 1.99 2.22 2.47 2.63 2.80 3.00 3.20 3.37 3.66 50 36 0.77 0.96 1.15 1.34 1.54 1.73 1.94 2.16 2.40 2.66 2.83 3.03 3.25 3.49 3.69 3.99 51 37 0.80 1.01 1.22 1.45 1.67 1.87 2.10 2.35 2.60 2.86 3.06 3.26 3.51 3.78 4.02 4.30 52 38 0.84 1.08 1.33 1.57 1.80 2.03 2.27 2.54 2.80 3.08 3.27 3.49 3.76 4.06 4.34 4.67 53 39 0.89 1.18 1.45 1.70 1.95 2.19 2.45 2.72 3.01 3.30 3.50 3.73 4.02 4.34 4.71 5.08 54 40 0.96 1.28 1.56 1.85 2.10 2.35 2.62 2.91 3.21 3.52 3.73 3.97 4.27 4.67 5.11 5.56 55 41 1.04 1.39 1.73 2.03 2.29 2.55 2.83 3.14 3.47 3.81 4.03 4.28 4.62 5.05 5.54 6.12 56 42 1.12 1.51 1.87 2.20 2.48 2.76 3.05 3.38 3.74 4.11 4.34 4.65 5.02 5.48 6.02 6.71 57 43 1.19 1.62 2.01 2.35 2.67 2.96 3.27 3.61 3.98 4.40 4.70 5.05 5.45 5.94 6.53 7.27 58 44 1.27 1.73 2.14 2.52 2.84 3.15 3.48 3.83 4.20 4.70 5.07 5.47 5.93 6.46 7.01 7.79 59 45 1.34 1.83 2.27 2.68 3.02 3.36 3.70 4.05 4.46 5.04 5.46 5.93 6.44 6.96 7.50 8.28 60 46 1.41 1.92 2.40 2.85 3.24 3.59 3.94 4.33 4.77 5.39 5.89 6.45 7.01 7.56 8.16 9.01 61 47 1.47 2.04 2.56 3.05 3.48 3.85 4.23 4.65 5.16 5.79 6.36 6.95 7.57 8.20 8.90 9.81 62 48 1.54 2.16 2.74 3.26 3.75 4.17 4.59 5.04 5.61 6.25 6.82 7.45 8.15 8.90 9.70 10.72 63 49 1.60 2.29 2.92 3.50 4.06 4.53 4.99 5.49 6.10 6.70 7.23 7.95 8.76 9.63 10.57 11.74 64 50 1.67 2.44 3.11 3.75 4.36 4.90 5.42 5.96 6.54 7.14 7.73 8.49 9.39 10.39 11.48 12.84 65 51 1.77 2.63 3.39 4.09 4.76 5.37 5.96 6.53 7.09 7.72 8.36 9.18 10.15 11.27 12.49 13.99 66 52 1.88 2.85 3.69 4.44 5.15 5.83 6.44 7.02 7.61 8.32 9.01 9.89 10.96 12.19 13.53 15.17 67 53 1.99 3.07 3.97 4.77 5.53 6.21 6.83 7.45 8.13 8.89 9.66 10.63 11.80 13.12 14.58 16.38 68 54 2.12 3.29 4.26 5.11 5.89 6.54 7.18 7.86 8.62 9.46 10.32 11.41 12.66 14.06 15.63 17.53 69 55 2.26 3.53 4.58 5.46 6.22 6.87 7.53 8.25 9.11 10.04 11.02 12.21 13.55 15.05 16.74 18.69 70 56 2.43 3.80 4.93 5.82 6.58 7.25 7.93 8.69 9.61 10.65 11.74 13.05 14.50 16.10 17.91 20.07 71 57 2.63 4.12 5.31 6.24 7.00 7.69 8.40 9.19 10.12 11.29 12.50 13.93 15.50 17.22 19.18 21.58 72 58 2.87 4.48 5.76 6.75 7.53 8.25 8.99 9.79 10.71 11.99 13.30 14.85 16.56 18.43 20.54 23.29 73 59 3.13 4.90 6.30 7.34 8.17 8.93 9.69 10.48 11.40 12.75 14.14 15.79 17.65 19.71 22.15 25.12 74 60 3.43 5.37 6.88 7.99 8.90 9.68 10.46 11.24 12.19 13.56 15.03 16.77 18.79 21.19 23.86 27.25 75 61 3.78 5.86 7.48 8.68 9.66 10.47 11.26 12.05 13.05 14.43 16.03 17.95 20.35 23.10 26.29 30.23 76 62 4.17 6.35 8.07 9.39 10.41 11.26 12.07 12.90 13.93 15.37 17.10 19.32 22.02 25.29 28.93 33.48 77 63 4.59 6.92 8.72 10.11 11.12 12.00 12.84 13.71 14.81 16.32 18.29 20.76 23.93 27.64 31.76 36.77 78 64 5.06 7.57 9.44 10.82 11.83 12.72 13.57 14.50 15.69 17.36 19.53 22.40 25.98 30.15 34.55 40.25 79 65 5.57 8.24 10.18 11.52 12.56 13.46 14.35 15.36 16.73 18.53 21.03 24.23 28.21 32.65 37.52 43.80 80 66 6.11 8.86 10.85 12.20 13.30 14.27 15.24 16.44 17.98 20.03 22.88 26.50 30.81 35.82 41.35 48.27 81 67 6.68 9.38 11.38 12.85 14.08 15.18 16.36 17.77 19.62 21.86 25.07 28.96 33.72 39.26 45.45 53.09 82 68 7.29 9.80 11.80 13.44 14.89 16.28 17.74 19.54 21.67 24.10 27.56 31.80 36.95 42.97 49.83 58.21 83 69 7.93 10.20 12.18 14.00 15.77 17.52 19.47 21.65 24.10 26.62 30.44 35.00 40.48 46.95 54.47 63.95 84 70 8.59 10.53 12.50 14.54 16.67 18.97 21.43 24.06 26.74 29.45 33.66 38.50 44.30 51.17 59.34 70.18 85 71 9.20 11.27 13.36 15.51 17.88 20.34 22.97 25.69 28.53 31.41 36.10 41.53 48.03 55.70 64.84 76.96 86 72 9.84 12.03 14.26 16.63 19.16 21.80 24.53 27.42 30.44 33.46 38.70 44.76 51.99 60.56 70.76 84.72 87 73 10.49 12.81 15.26 17.80 20.50 23.25 26.13 29.20 32.37 35.57 41.40 48.13 56.15 65.65 77.41 95.63 88 74 10.98 13.49 16.05 18.71 21.50 24.37 27.38 30.56 33.86 37.18 43.53 50.85 59.61 69.96 85.__ 10_.10 89 75 11.35 13.93 16.57 19.29 22.14 20.08 28.15 31.04 34.76 38.13 44.91 52.75 62.07 74.62 92.79 115.51 90 120.74 91 116.11 92 133.31 93 144.25 94
VANGUARD 100 SERIES - 134 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE SMOKER MALE - ANB POLICY FEE $12.50
POLICY YEAR ISSUE ------------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- ----- ----- -------- 0 7.63 1.90 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .86 1.12 15 ------------------------------------------------------------------------------------------------------------------ 1 1.90 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.12 1.39 16 2 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.39 1.69 17 3 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.69 1.99 18 ------------------------------------------------------------------------------------------------------------------ 4 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 1.99 2.26 19 5 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.26 2.42 20 ------------------------------------------------------------------------------------------------------------------ 6 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.42 2.48 21 7 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.48 2.53 22 8 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.53 2.60 23 ------------------------------------------------------------------------------------------------------------------ 9 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.60 2.69 24 10 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.69 2.76 25 ------------------------------------------------------------------------------------------------------------------ 11 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.76 2._6 26 12 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.78 2.66 2.52 27 13 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.78 2.68 2.52 2.56 28 ------------------------------------------------------------------------------------------------------------------ 14 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.79 2.69 2.54 2.56 2.57 29 15 1.11 1.39 1.68 1.96 2.21 2.40 2.50 2.56 2.63 2.70 2.79 2.69 2.54 2.58 2.57 2.60 30 ------------------------------------------------------------------------------------------------------------------ 16 1.39 1.68 1.89 2.12 2.31 2.46 2.56 2.63 2.70 2.79 2.66 2.54 2.58 2.59 2.60 2.62 31 17 1.66 1.87 2.05 2.21 2.40 2.50 2.59 2.68 2.76 2.66 2.54 2.58 2.59 2.62 2.62 2.58 32 18 1.76 1.96 2.12 2.28 2.45 2.50 2.58 2.69 2.62 2.54 2.45 2.51 2.56 2.61 2.58 2.56 33 ------------------------------------------------------------------------------------------------------------------ 19 1.78 1.99 2.15 2.29 2.41 2.45 2.55 2.48 2.43 2.41 2.34 2.44 2.51 2.57 2.56 2.58 34 20 1.74 1.97 2.14 2.26 2.36 2.36 2.34 2.27 2.28 2.30 2.25 2.37 2.43 2.53 2.58 2.62 35 ------------------------------------------------------------------------------------------------------------------ 21 1.69 1.95 2.13 2.22 2.28 2.13 2.14 2.12 2.15 2.19 2.21 2.30 2.40 2.51 2.62 2.73 36 22 1.66 1.93 2.13 2.21 2.13 2.03 2.01 2.00 2.05 2.11 2.17 2.25 2.38 2.54 2.71 2.88 37 23 1.67 1.92 2.14 2.08 2.03 1.95 1.94 1.95 1.99 2.07 2.16 2.26 2.44 2.65 2.83 3.06 38 ------------------------------------------------------------------------------------------------------------------ 24 1.64 1.90 1.99 1.98 1.95 1.90 1.88 1.91 1.97 2.07 2.20 2.31 2.55 2.80 3.02 3.28 39 25 1.64 1.76 1.87 1.88 1.90 1.86 1.87 1.92 1.99 2.10 2.26 2.45 2.72 3.01 3.24 3.54 40 ------------------------------------------------------------------------------------------------------------------ 26 1.54 1.66 1.77 1.80 1.85 1.86 1.88 1.94 2.02 2.15 2.36 2.60 2.87 3.19 3.46 3.75 41 27 1.50 1.59 1.69 1.76 1.83 1.87 1.92 1.99 2.10 2.27 2.49 2.75 3.05 3.40 3.69 3.97 42 28 1.50 1.58 1.68 1.76 1.84 1.91 1.98 2.08 2.23 2.42 2.65 2.92 3.23 3.60 3.89 4.21 43 ------------------------------------------------------------------------------------------------------------------ 29 1.52 1.60 1.68 1.78 1.89 1.97 2.07 2.21 2.38 2.61 2.85 3.11 3.44 3.80 4.11 4.47 44 30 1.56 1.64 1.74 1.83 1.94 2.06 2.19 2.36 2.57 2.80 3.06 3.33 3.65 4.01 4.34 4.75 45 ------------------------------------------------------------------------------------------------------------------ 31 1.59 1.71 1.79 1.91 2.03 2.18 2.34 2.51 2.76 3.01 3.27 3.56 3.88 4.26 4.59 5.10 46 32 1.62 1.74 1.86 1.98 2.13 2.30 2.49 2.69 2.96 3.23 3.50 3.80 4.14 4.53 4.95 5.49 47 33 1.60 1.76 1.90 2.07 1.97 2.44 2.66 2.87 3.14 3.44 3.73 4.05 4.42 4.91 5.37 5.95 48 ------------------------------------------------------------------------------------------------------------------ 34 1.57 1.77 1.96 2.16 2.38 2.60 2.83 3.06 3.34 3.64 3.96 4.31 4.79 5.33 5.82 6.49 49 35 1.56 1.80 2.03 2.28 2.52 2.76 2.99 3.24 3.54 3.85 4.19 4.64 5.18 5.78 6.32 7.07 50 ------------------------------------------------------------------------------------------------------------------ 36 1.56 1.86 2.14 2.42 2.70 2.95 3.22 3.48 3.79 4.11 4.54 5.04 5.64 6.31 6.92 7.70 51 37 1.60 1.94 2.27 2.60 2.90 3.17 3.45 3.74 4.06 4.46 4.93 5.47 6.12 6.87 7.55 8.30 52 38 1.67 2.06 2.45 2.80 3.12 3.41 3.70 4.01 4.41 4.85 5.34 5.92 6.61 7.42 8.20 8.96 53 ------------------------------------------------------------------------------------------------------------------ 39 1.77 2.23 2.64 3.02 3.35 3.66 3.97 4.36 4.80 5.26 5.78 6.39 7.13 8.00 8.87 9.69 54 40 1.90 2.41 2.85 3.26 3.59 3.91 4.30 4.72 5.20 5.71 6.25 6.88 7.67 8.61 9.59 10.55 55 ------------------------------------------------------------------------------------------------------------------ 41 2.01 2.57 3.08 3.50 3.85 4.23 4.64 5.09 5.62 6.17 6.75 7.43 8.25 9.27 10.36 11.64 56 42 2.12 2.74 3.27 3.72 4.15 4.56 5.00 5.47 6.05 6.65 7.29 8.03 8.91 10.01 11.29 12.71 57 ------------------------------------------------------------------------------------------------------------------ 5/17/1982
VANGUARD 100 SERIES - 134 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE SMOKER MALE - ANB POLICY FEE $12.50
POLICY YEAR ISSUE -------------------------------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ -------- 43 2.22 2.88 3.45 3.98 4.45 4.89 5.34 5.85 6.44 7.13 7.85 8.68 9.65 10.90 12.19 13.92 58 ------------------------------------------------------------------------------------------------------------------------------------ 44 2.31 3.01 3.67 4.25 4.74 5.21 5.69 6.21 6.82 7.61 8.44 9.38 10.54 11.80 13.25 15.17 59 45 2.40 3.19 3.90 4.53 5.05 5.55 6.06 6.59 7.22 8.12 9.07 10.21 11.42 12.87 14.42 16.29 60 ------------------------------------------------------------------------------------------------------------------------------------ 46 2.53 3.36 4.12 4.83 5.41 5.94 6.47 7.03 7.71 8.68 9.81 11.00 12.44 14.02 15.55 17.61 61 47 2.65 3.56 4.39 5.16 5.82 6.39 6.94 7.54 8.33 9.39 10.53 11.92 13.51 15.13 16.92 19.08 62 48 2.76 3.78 4.70 5.54 6.30 6.93 7.52 8.17 9.13 10.11 11.39 12.89 14.51 16.43 18.42 20.59 63 ------------------------------------------------------------------------------------------------------------------------------------ 49 2.89 4.02 5.03 5.96 6.82 7.53 8.20 8.96 9.90 10.98 12.31 13.79 15.68 17.83 19.87 22.45 64 50 3.00 4.28 5.38 6.40 7.34 8.15 8.97 9.73 10.75 11.88 13.16 14.85 16.92 19.13 21.58 24.44 65 ------------------------------------------------------------------------------------------------------------------------------------ 51 3.13 4.54 5.76 6.84 7.86 8.83 9.65 10.55 11.60 12.69 14.14 15.97 18.05 20.65 23.38 26.35 66 52 3.26 4.82 6.13 7.28 8.41 9.38 10.34 11.30 12.31 13.60 15.16 16.99 19.40 22.24 25.04 28.52 67 53 3.40 5.09 6.49 7.75 8.85 9.91 10.92 11.85 13.07 14.46 16.05 18.18 20.80 23.67 26.93 30.50 68 ------------------------------------------------------------------------------------------------------------------------------------ 54 3.56 5.36 _.__ 8.14 9.34 10.38 11.33 12.43 13.7_ 15.1_ 17.07 19.43 22.0_ 25.34 28.61 32._6 69 55 3.72 5.69 7.26 8._1 9.82 10.78 11.83 12.9_ 14.38 16.05 18.14 20.57 23._9 26.86 30.66 34.91 70 ------------------------------------------------------------------------------------------------------------------------------------ 56 3.95 6.02 7.74 9.14 10.26 11.30 12.39 13.49 15.10 16.96 19.11 21.94 24.99 28.75 32.88 37.28 71 57 4.19 6.45 8.29 9.67 10.85 11.93 12.96 14.21 15.85 17.78 20.32 23.21 26.74 30.83 35.01 40.32 72 58 4.52 6.98 8.88 10.39 11.60 12.64 13.81 15.08 16.58 18.85 21.42 24.75 28.62 32.81 37.71 43.49 73 ------------------------------------------------------------------------------------------------------------------------------------ 59 4.90 7.53 9.64 11.24 12.42 13.61 14.81 15.96 17.63 19.84 22.78 26.38 30.35 35.28 40.67 46.51 74 60 5.29 8.19 10.47 12.06 13.46 14.70 15.80 17.08 18.67 21.13 24.26 27.87 32.49 37.96 43.45 50.29 75 ------------------------------------------------------------------------------------------------------------------------------------ 61 5.79 8.89 11.23 13.04 14.56 15.71 16.98 18.14 19.98 22.53 25.64 29.77 34.83 40.46 46.87 54.98 76 62 6.33 9.50 12.06 14.05 15.50 16.86 18.03 19.42 21.38 23.87 27.40 31.85 37.02 43.55 51.06 60.09 77 63 6.87 10.28 12.97 14.95 16.54 17.79 19.18 20.68 22.60 25.47 29.26 33.75 39.72 47.33 55.57 65.72 78 ------------------------------------------------------------------------------------------------------------------------------------ 64 7.53 11.20 13.88 15.98 17.43 18.87 20.33 21.75 24.07 27.16 30.95 36.12 43.05 51.39 60.41 71.71 79 65 8.24 12.05 14.93 16.85 18.50 20.01 21.37 23.17 25.75 28.83 33.18 39.15 46.71 55.82 65.64 77.88 80 ------------------------------------------------------------------------------------------------------------------------------------ 66 8.92 12.93 15.76 17.85 19.64 21.10 22.83 24.88 27.52 31.15 36.18 42.65 50.81 60.63 71.25 84.13 81 67 9.73 13.55 16.54 18.83 20.67 22.57 24.60 26.76 30.04 34.35 39.79 46.73 55.44 65.90 77.30 90.91 82 68 10.50 14.17 17.19 19.60 21.98 24.31 26.55 29.44 33.53 38.30 44.16 51.49 60.64 71.66 83.79 98.12 83 ------------------------------------------------------------------------------------------------------------------------------------ 69 11.42 14.77 17.65 20.52 23.39 26.06 29.17 32.99 37.72 43.00 49.26 56.93 66.41 77.88 90.71 106.35 84 70 12.38 15.17 18.22 21.43 24.65 28.27 32.48 37.11 42.56 48.40 55.07 62.99 72.72 84.56 98.07 115.39 85 ------------------------------------------------------------------------------------------------------------------------------------ 71 13.17 16.29 19.56 22.79 26.46 30.65 35.21 40.24 46.15 52.50 59.73 68.32 78.88 91.72 106.39 125.31 86 72 14.11 17.46 20.76 24.42 28.64 33.18 38.13 43.56 49.97 56.83 64.67 73.97 85.41 99.33 115.20 136.11 87 73 15.03 18.42 22.11 26.28 30.82 35.70 41.03 46.89 53.78 61.18 69.61 79.63 91.94 106.92 124.01 147.62 88 ------------------------------------------------------------------------------------------------------------------------------------ 74 15.78 19.53 23.67 28.14 33.00 38.23 43.93 50.21 57.59 65.51 74.5_ 85.28 98.47 114.51 132.82 157.54 89 75 16.65 20.81 25.23 29.99 35.18 40.76 46.84 53.53 61.41 69.85 79.49 90.93 105.00 122.11 141.64 165.12 90 ------------------------------------------------------------------------------------------------------------------------------------ 76 17.67 22.10 26.79 31.85 37.35 43.29 49.75 56.85 65.22 74.19 84.43 96.59 111.53 129.70 150.44 171.10 91 77 18.69 23.38 28.35 33.70 39.53 45.81 52.66 60.18 69.04 78.53 89.37 102.23 118.06 137.30 159.26 177.15 92 78 19.73 24.66 29.91 35.56 41.72 48.34 55.56 63.50 72.85 82.87 94.31 107.89 124.59 144.90 168.07 187.15 93 ------------------------------------------------------------------------------------------------------------------------------------ 79 20.75 25.95 31.47 37.41 43.89 50.87 58.46 66.82 76.67 87.21 99.26 113.55 131.12 152.50 176.89 202.39 94 80 21.77 27.23 33.02 39.27 46.07 53.40 61.38 70.14 80.48 91.56 104.19 119.20 137.65 160.09 185.69 217.91 95 ------------------------------------------------------------------------------------------------------------------------------------ 227.54 96 238.15 97 248.97 98 ------------------------------------------------------------------------------------------------------------------------------------ 260.01 99 ------------------------------------------------------------------------------------------------------------------------------------ 5/17/1982
VANGUARD 100 SERIES - 136 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE NONSMOKER MALE - ANB POLICY FEE 12.50
POLICY YEAR ISSUE ---------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- -------- 0 7.63 1._0 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .86 1.01 15 --------------------------------------------------------------------------------------------------------------- 1 1.90 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.01 1.13 16 2 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.13 1.25 17 3 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.25 1.32 18 --------------------------------------------------------------------------------------------------------------- 4 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.32 1.36 19 5 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.36 1.32 20 --------------------------------------------------------------------------------------------------------------- 6 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.32 1.23 21 7 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.23 1.14 22 8 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.14 1.07 23 --------------------------------------------------------------------------------------------------------------- 9 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.07 .99 24 10 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 .99 .92 25 --------------------------------------------------------------------------------------------------------------- 11 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .92 .92 26 12 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .93 .92 .90 27 13 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .93 .92 .90 .93 28 --------------------------------------------------------------------------------------------------------------- 14 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .93 .92 .90 .93 .95 29 15 1.01 1.13 1.24 1.31 1.33 1.31 1.24 1.15 1.08 .99 .93 .93 .90 .94 .95 .99 30 --------------------------------------------------------------------------------------------------------------- 16 1.13 1.24 1.26 1.28 1.26 1.22 1.15 1.08 1.00 .93 .92 .90 .94 .9_ .99 1.02 31 17 1.23 1.25 1.24 1.21 1.19 1.13 1.07 .99 .93 .92 .90 .94 .96 .99 1.02 1.03 32 18 1.18 1.19 1.17 1.14 1.11 1.03 .96 .91 .90 .90 .90 .93 .97 1.01 1.03 1.04 33 --------------------------------------------------------------------------------------------------------------- 19 1.09 1.10 1.08 1.05 1.00 .91 .86 .86 .87 .88 .88 .93 .98 1.02 1.04 1.07 34 20 .98 1.00 .99 .95 .89 .81 .82 .82 .84 .87 .87 .93 .97 1.03 1.07 1.11 35 --------------------------------------------------------------------------------------------------------------- 21 .87 .91 .90 .84 .79 .76 .78 .79 .82 .85 .88 .93 .98 1.05 1.11 1.18 36 22 .79 .83 .81 .77 .76 .75 .76 .77 .81 .84 .88 .93 1.00 1.08 1.17 1.27 37 23 .73 .75 .75 .75 .75 .74 .75 .77 .80 .85 .90 .95 1.04 1.15 1.25 1.37 38 --------------------------------------------------------------------------------------------------------------- 24 .66 .68 .72 .73 .74 .74 .75 .78 .81 .87 .93 1.00 1.11 1.24 1.35 1.50 39 25 .61 .65 .70 .72 .74 .74 .76 .79 .84 .90 .98 1.07 1.21 1.35 1.48 1.65 40 --------------------------------------------------------------------------------------------------------------- 26 .59 .64 .68 .71 .74 .76 .78 .82 .87 .94 1.04 1.16 1.29 1.46 1.61 1.78 41 27 .59 .63 .67 .71 .75 .78 .81 .86 .92 1.00 1.11 1.24 1.40 1.58 1.75 1.93 42 28 .60 .64 .68 .73 .77 .81 .85 .91 .99 1.09 1.20 1.34 1.51 1.71 1.89 2.09 43 --------------------------------------------------------------------------------------------------------------- 29 .62 .66 .70 .75 .80 .85 .91 .98 1.07 1.19 1.31 1.46 1.64 1.84 2.04 2.26 44 30 .64 .69 .73 .78 .84 .90 .97 1.06 1.17 1.30 1.44 1.59 1.78 1.99 2.20 2.46 45 --------------------------------------------------------------------------------------------------------------- 31 .67 .72 .77 .83 .89 .97 1.06 1.15 1.28 1.42 1.57 1.74 1.93 2.16 2.38 2.70 46 32 .69 .75 .81 .87 .95 1.04 1.14 1.25 1.39 1.55 1.71 1.89 2.10 2.35 2.62 2.98 47 33 .70 .77 .84 .92 .91 1.12 1.24 1.36 1.51 1.68 1.86 2.06 2.30 2.60 2.91 3.30 48 --------------------------------------------------------------------------------------------------------------- 34 .70 .79 .88 .98 1.10 1.21 1.34 1.47 1.64 1.82 2.02 2.24 2.54 2.89 3.23 3.68 49 35 .71 .82 .93 1.05 1.18 1.31 1.44 1.59 1.77 1.96 2.18 2.47 2.81 3.21 3.59 4.11 50 --------------------------------------------------------------------------------------------------------------- 36 .73 .86 .99 1.14 1.28 1.42 1.58 1.74 1.93 2.14 2.42 2.74 3.13 3.59 4.03 4.59 51 37 .76 .91 1.07 1.24 1.40 1.56 1.73 1.91 2.12 2.37 2.68 3.04 3.48 4.00 4.50 5.07 52 38 .80 .98 1.17 1.36 1.54 1.71 1.89 2.09 2.35 2.64 2.97 3.37 3.85 4.43 5.01 5.62 53 --------------------------------------------------------------------------------------------------------------- 39 .86 1.08 1.29 1.49 1.68 1.87 2.07 2.32 2.61 2.93 3.29 3.72 4.25 4.89 5.56 6.23 54 40 .93 1.18 1.41 1.64 1.84 2.04 2.29 2.57 2.90 3.25 3.64 4.11 4.69 5.40 6.17 6.96 55 --------------------------------------------------------------------------------------------------------------- 41 1.01 1.28 1.55 1.79 2.01 2.26 2.53 2.83 3.20 3.60 4.03 4.55 5.18 5.97 6.84 7.82 56 42 1.08 1.39 1.68 1.95 2.22 2.49 2.78 3.12 3.53 3.97 4.46 5.04 5.74 6.61 7.59 8.78 57 --------------------------------------------------------------------------------------------------------------- 5/18/1982
VANGUARD 100 SERIES - 136 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE NONSMOKER MALE - ANB POLICY FEE 12.50
POLICY YEAR ISSUE -------------------------------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ -------- 43 1.15 1.49 1.81 2.13 2.43 2.73 3.05 3.42 3.85 4.37 4.93 5.59 6.38 7.34 8.42 9.79 58 ------------------------------------------------------------------------------------------------------------------------------------ 44 1.22 1.60 1.97 2.32 2.65 2.97 3.33 3.72 4.18 4.78 5.44 6.20 7.09 8.15 9.33 10.75 59 45 1.29 1.72 2.14 2.53 2.89 3.25 3.63 4.04 4.54 5.24 6.00 6.87 7.89 9.06 10.22 11.86 60 ------------------------------------------------------------------------------------------------------------------------------------ 46 1.39 1.86 2.31 2.76 3.17 3.56 3.97 4.42 4.97 5.74 6.61 7.60 8.76 9.94 11.33 13.08 61 47 1.48 2.01 2.52 3.02 3.49 3.92 4.37 4.87 5.52 6.32 7.28 8.40 9.58 11.02 12.56 14.44 62 48 1.58 2.18 2.76 3.32 3.87 4.36 4.85 5.41 6.15 6.99 8.02 9.14 10.58 12.20 13.94 16.02 63 ------------------------------------------------------------------------------------------------------------------------------------ 49 1.69 2.37 3.03 3.66 4.29 4._0 5.43 6.04 6.85 7.73 8.74 10.06 11.65 13.49 15.46 17.81 64 50 1.80 2.59 3.32 4.0_ 4.74 5.40 6.05 6.73 7.58 8.43 9.59 11.04 12.81 14.88 17.12 19.76 65 ------------------------------------------------------------------------------------------------------------------------------------ 51 1.91 2.81 3.64 4.42 5.20 5.95 6.68 7.44 8.24 9.26 10.51 12.09 14.05 16.38 18.90 21.68 66 52 2.04 3.06 3.97 4._3 5.67 6.49 7.29 8.03 8.98 10.11 11.48 13.23 15.39 17.99 20.60 23.93 67 53 2.18 3.31 4.31 5.23 6.13 6.99 7.76 8.64 9.72 10.96 12.50 14.43 16.82 19.48 22.60 26.33 68 ------------------------------------------------------------------------------------------------------------------------------------ 54 2.33 3._7 4.66 5.64 6.59 7.38 8.27 9.24 10.45 11.83 13.55 1_.72 18.16 21.26 24.70 28.75 69 55 2.50 3.86 5.04 6.08 6.98 7.87 8.80 9.84 11.20 12.75 14.68 16.93 19.80 23.19 26.99 31.34 70 ------------------------------------------------------------------------------------------------------------------------------------ 56 2.70 4.19 5.47 6.50 7.49 8.41 9.39 10.51 11.99 13.72 15.74 18.42 21.58 25.31 29.52 34.45 71 57 2.94 4.57 5.90 7.06 8.08 9.05 10.10 11.28 12.83 14.64 17.06 20.04 23.55 27.68 32.36 37.62 72 58 3.22 4.98 6.49 7.74 8.80 9.85 10.97 12.21 13.65 15.82 18.50 21.79 25.70 30.33 35.19 41.39 73 ------------------------------------------------------------------------------------------------------------------------------------ 59 3.52 5.51 7.18 8.52 9.68 10.81 11.99 13.14 14.80 17.14 20.07 23.69 28.05 32.92 38.70 45.59 74 60 3.89 6.11 7.95 9.40 10.70 11.90 13.02 14.34 16.12 18.61 21.79 25.76 30.32 36.12 42.59 50.29 75 ------------------------------------------------------------------------------------------------------------------------------------ 61 4.33 6.75 8.76 10.36 11.79 12.94 14.26 15.67 17.60 20.24 23.70 27.78 33.15 39.67 46.87 54.98 76 62 4.82 7.42 9.58 11.38 12.77 14.15 15.57 17.11 19.21 22.06 25.57 30.31 36.29 43.55 51.06 60.09 77 63 5.38 8.18 10.51 12.31 13.89 15.37 16.89 18.58 20.89 23.77 27.85 33.08 39.72 47.33 55.57 65.72 78 ------------------------------------------------------------------------------------------------------------------------------------ 64 6.00 9.08 11.44 13.42 15.05 16.62 18.26 20.11 22.46 25.85 30.34 36.12 43.05 51.39 60.41 71.71 79 65 6.69 9.93 12.54 14.56 16.03 17.98 19.76 21.62 24.51 28.26 33.18 39.15 46.71 55.82 65.64 77.88 80 ------------------------------------------------------------------------------------------------------------------------------------ 66 7.36 10.86 13.62 15.73 17.64 19.50 21.30 23.68 26.98 31.15 36.18 42.65 50.81 60.63 71.25 84.13 81 67 8.18 11.71 14.57 16.92 19.11 21.06 23.41 26.23 30.04 34.35 39.79 46.73 55.44 65.90 77.30 90.91 82 68 9.08 12.49 15.44 18.12 20.52 23.14 26.03 29.44 33.53 38.30 44.16 51.49 60.64 71.66 83.79 98.12 83 ------------------------------------------------------------------------------------------------------------------------------------ 69 10.07 13.27 16.32 19.16 22.27 25.54 29.17 32.99 37.72 43.00 49.26 56.93 66.41 77.88 90.71 106.35 84 70 11.13 14.03 17.00 20.40 24.16 28.27 32.48 37.11 42.56 48.40 55.07 62.99 72.72 84.56 98.07 115.39 85 ------------------------------------------------------------------------------------------------------------------------------------ 71 12.18 15.21 18.62 22.34 26.46 30.65 35.21 40.24 46.15 52.50 59.73 68.32 78.88 91.72 106.39 125.31 86 72 13.18 16.62 20.35 24.42 28.64 33.18 38.13 43.56 49.97 56.83 64.67 73.97 85.41 99.33 115.20 136.11 87 73 14.31 18.06 22.11 26.28 30.82 35.70 41.03 46.89 53.78 61.18 69.61 79.63 91.94 106.92 124.01 147.62 88 ------------------------------------------------------------------------------------------------------------------------------------ 74 15.47 19._3 23.67 28.14 33.00 38.23 43.93 50.21 57.59 65.51 74.56 85.28 98.47 114.51 132.82 157.54 89 75 16.65 20.81 25.23 29.99 35.18 40.76 46.84 53.53 61.41 69.85 79.49 90.93 105.00 122.11 141.64 165.12 90 ------------------------------------------------------------------------------------------------------------------------------------ 76 17.67 22.10 26.79 31.85 37.35 43.29 49.75 56.85 65.22 74.19 84.43 96.59 111.53 129.70 150.44 171.10 91 77 18.69 23.38 28.35 33.70 39.53 45.81 52.66 60.18 69.04 78.53 89.37 102.23 118.06 137.30 159.26 177.15 92 78 19.73 24.66 29.91 35.56 41.72 48.34 55.56 63.50 72.85 82.87 94.31 107.89 124.59 144.90 168.07 187.15 93 ------------------------------------------------------------------------------------------------------------------------------------ 79 20.75 25.95 31.47 37.41 43.89 50.87 58.4_ 66.82 76.67 87.21 99.26 113.55 131.12 152.50 176.89 202.39 94 80 21.77 27.23 33.02 39.27 46.07 53.40 61.38 70.14 80.48 91.56 104.19 119.20 137.65 160.09 185.69 217.91 95 ------------------------------------------------------------------------------------------------------------------------------------ 227.54 96 238.15 97 248.97 98 ------------------------------------------------------------------------------------------------------------------------------------ 260.01 99 ------------------------------------------------------------------------------------------------------------------------------------ 5/18/1982
VANGUARD 100 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE SUBSTANDARD MALE ANB
POLICY YEAR ISSUE ------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- --- --- --- --- --- --- --- --- --- ---- ---- ---- ---- ---- ---- -------- 0 1.47 .34 .21 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 15 ------------------------------------------------------------------------------------------------------ 1 .34 .21 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 16 2 .21 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 17 3 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 18 ------------------------------------------------------------------------------------------------------ 4 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 19 5 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 20 ------------------------------------------------------------------------------------------------------ 6 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 21 7 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .28 22 8 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .28 .28 23 ------------------------------------------------------------------------------------------------------ 9 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 24 10 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 25 ------------------------------------------------------------------------------------------------------ 11 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .26 26 12 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .26 .25 27 13 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .27 .25 .26 28 ------------------------------------------------------------------------------------------------------ 14 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .27 .25 .26 .26 29 15 .17 .20 .24 .26 .28 .30 .29 .29 .28 .28 .27 .27 .25 .26 .26 .27 30 ------------------------------------------------------------------------------------------------------ 16 .20 .24 .25 .27 .28 .29 .29 .28 .28 .27 .26 .25 .26 .26 .27 .27 31 17 .23 .25 .26 .27 .28 .28 .28 .27 .27 .26 .25 .26 .26 .27 .27 .27 32 18 .23 .25 .26 .27 .27 .27 .26 .26 .26 .25 .25 .25 .26 .27 .27 .27 33 ------------------------------------------------------------------------------------------------------ 19 .22 .24 .25 .25 .26 .25 .25 .24 .24 .24 .24 .25 .26 .27 .27 .28 34 20 .21 .23 .24 .24 .24 .23 .23 .22 .23 .23 .23 .24 .26 .27 .28 .29 35 ------------------------------------------------------------------------------------------------------ 21 .19 .21 .22 .22 .22 .21 .21 .21 .22 .22 .23 .24 .25 .27 .29 .30 36 22 .18 .20 .21 .21 .21 .20 .20 .20 .21 .22 .22 .24 .26 .28 .30 .32 37 23 .17 .19 .20 .20 .20 .19 .19 .19 .20 .21 .23 .24 .26 .29 .32 .35 38 ------------------------------------------------------------------------------------------------------ 24 .16 .18 .19 .19 .19 .19 .19 .19 .20 .22 .23 .25 .28 .32 .35 .38 39 25 .15 .17 .18 .18 .19 .19 .19 .20 .21 .22 .24 .27 .31 .34 .38 .42 40 ------------------------------------------------------------------------------------------------------ 26 .14 .16 .17 .18 .18 .19 .19 .20 .21 .23 .26 .29 .33 .37 .41 .45 41 27 .14 .15 .16 .17 .18 .19 .20 .21 .22 .25 .28 .31 .35 .40 .44 .49 42 28 .14 .15 .16 .18 .19 .20 .21 .22 .24 .27 .30 .34 .38 .43 .48 .52 43 ------------------------------------------------------------------------------------------------------ 29 .15 .16 .17 .18 .19 .21 .22 .24 .26 .29 .33 .37 .41 .46 .51 .57 44 30 .15 .16 .18 .19 .20 .22 .24 .26 .29 .32 .36 .40 .45 .50 .55 .61 45 ------------------------------------------------------------------------------------------------------ 31 .16 .17 .18 .20 .22 .24 .26 .28 .32 .35 .39 .43 .48 .54 .59 .67 46 32 .16 .18 .19 .21 .23 .25 .28 .31 .35 .39 .43 .47 .52 .58 .65 .73 47 33 .16 .18 .20 .22 .21 .27 .31 .34 .37 .42 .46 .51 .57 .64 .71 .81 48 ------------------------------------------------------------------------------------------------------ 34 .16 .19 .21 .24 .27 .30 .33 .36 .41 .45 .50 .55 .63 .71 .79 .89 49 35 .16 .19 .22 .26 .29 .32 .36 .39 .44 .48 .54 .60 .69 .78 .87 .99 50 ------------------------------------------------------------------------------------------------------ 36 .16 .20 .24 .28 .31 .35 .39 .43 .48 .52 .59 .67 .76 .87 .97 1.10 51 37 .17 .21 .26 .30 .34 .38 .42 .47 .52 .58 .65 .74 .84 .96 1.07 1.20 52 38 .18 .23 .28 .33 .38 .42 .46 .51 .57 .64 .72 .81 .92 1.06 1.19 1.32 53 ------------------------------------------------------------------------------------------------------ 39 .20 .26 .31 .36 .41 .46 .51 .57 .64 .71 .79 .89 1.01 1.16 1.31 1.45 54 40 .21 .28 .34 .40 .45 .50 .56 .62 .70 .78 .87 .98 1.11 1.27 1.44 1.61 55 ------------------------------------------------------------------------------------------------------ 41 .23 .31 .38 .44 .49 .55 .61 .68 .77 .86 .96 1.07 1.21 1.39 1.58 1.79 56 42 .25 .33 .41 .47 .54 .60 .67 .75 .84 .94 1.05 1.18 1.33 1.52 1.74 1.99 57 ------------------------------------------------------------------------------------------------------ 5/18/1982
VANGUARD 100 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE SUBSTANDARD MALE ANB
POLICY YEAR ISSUE --------------------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- ---- ---- ---- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- 43 .26 .36 .44 .52 .59 .66 .73 .81 .91 1.03 1.15 1.30 1.47 1.68 1.91 2.20 58 -------------------------------------------------------------------------------------------------------------------------- 44 .28 .38 .47 .56 .64 .71 .79 .88 .98 1.12 1.26 1.43 1.62 1.85 2.09 2.42 59 45 .30 .41 .51 .61 .69 .77 .86 .95 1.06 1.21 1.38 1.57 1.79 2.03 2.30 2.65 60 -------------------------------------------------------------------------------------------------------------------------- 46 .32 .44 .55 .66 .75 .84 .93 1.03 1.15 1.32 1.51 1.72 1.96 2.24 2.52 2.89 61 47 .34 .47 .60 .71 .82 .92 1.02 1.12 1.26 1.44 1.64 1.88 2.15 2.46 2.77 3.16 62 48 .36 .51 .65 .78 .91 1.01 1.12 1.24 1.40 1.58 1.80 2.05 2.35 2.69 3.05 3.47 63 -------------------------------------------------------------------------------------------------------------------------- 49 .38 .55 .71 .85 1.00 1.12 1.24 1.37 1.54 1.73 1.96 2.24 2.57 2.95 3.35 3.82 64 50 .40 .60 .77 .93 1.09 1.24 1.37 1.52 1.69 1.89 2.13 2.43 2.80 3.22 3.67 4.20 65 -------------------------------------------------------------------------------------------------------------------------- 51 .43 .64 .84 1.02 1.19 1.35 1.50 1.66 1.84 2.05 2.31 2.64 3.04 3.51 4.01 4.61 66 52 .45 .70 .91 1.10 1.29 1.46 1.63 1.80 1.99 2.22 2.50 2.86 3.29 3.82 4.38 5.04 67 53 .48 .75 .98 1.18 1.38 1.56 1.73 1.92 2.13 2.39 2.70 3.09 3.57 4.14 4.75 5.49 68 -------------------------------------------------------------------------------------------------------------------------- 54 .51 .80 1.05 1.26 1.47 1.65 1.83 2.03 2.27 2.55 2.90 3.33 3.85 4.47 5.14 5.93 69 55 .55 .86 1.12 1.35 1.56 1.74 1.93 2.14 2.41 2.72 3.11 3.59 4.16 4.83 5.57 6.40 70 -------------------------------------------------------------------------------------------------------------------------- 56 .59 .93 1.21 1.45 1.65 1.84 2.04 2.26 2.56 2.90 3.33 3.87 4.49 5.22 6.03 6.97 71 57 .64 1.00 1.31 1.56 1.77 1.96 2.17 2.40 2.71 3.10 3.58 4.17 4.85 5.65 6.54 7.61 72 58 .69 1.10 1.43 1.69 1.91 2.12 2.33 2.58 2.89 3.32 3.84 4.49 5.24 6.13 7.12 8.30 73 -------------------------------------------------------------------------------------------------------------------------- 59 .76 1.20 1.57 1.85 2.08 2.30 2.53 2.78 3.10 3.56 4.13 4.83 5.67 6.66 7.75 9.05 74 60 .84 1.33 1.72 2.02 2.28 2.51 2.75 3.00 3.34 3.82 4.44 5.20 6.13 7.23 8.45 9.88 75 -------------------------------------------------------------------------------------------------------------------------- 61 .93 1.45 1.88 2.20 2.49 2.73 2.98 3.25 3.61 4.12 4.78 5.61 6.64 7.87 9.21 10.81 76 62 1.03 1.58 2.04 2.40 2.70 2.96 3.23 3.51 3.91 4.45 5.16 6.06 7.19 8.56 10.04 11.82 77 63 1.14 1.73 2.21 2.60 2.90 3.18 3.47 3.78 4.21 4.79 5.57 6.55 7.80 9.30 10.93 12.93 78 -------------------------------------------------------------------------------------------------------------------------- 64 1.26 1.90 2.41 2.80 3.12 3.41 3.71 4.05 4.53 5.17 6.01 7.09 8.46 10.10 11.88 14.11 79 65 1.39 2.09 2.62 3.01 3.34 3.65 3.98 4.36 4.90 5.59 6.51 7.69 9.18 10.98 12.91 15.33 80 -------------------------------------------------------------------------------------------------------------------------- 66 1.54 2.26 2.82 3.23 3.58 3.93 4.29 4.73 5.34 6.11 7.10 8.38 9.99 11.93 14.02 16.56 81 67 1.69 2.42 2.99 3.44 3.85 4.24 4.67 5.19 5.89 6.74 7.81 9.18 10.90 12.97 15.21 17.90 82 68 1.86 2.55 3.13 3.65 4.13 4.62 5.15 5.77 6.58 7.52 8.67 10.12 11.93 14.10 16.50 19.32 83 -------------------------------------------------------------------------------------------------------------------------- 69 2.05 2.69 3.28 3.86 4.44 5.05 5.72 6.47 7.40 8.45 9.68 11.19 13.07 15.33 17.86 20.95 84 70 2.25 2.81 3.42 4.07 4.78 5.54 6.37 7.28 8.36 9.51 10.83 12.39 14.31 16.65 19.31 22.73 85 -------------------------------------------------------------------------------------------------------------------------- 71 2.44 3.05 3.71 4.41 5.18 6.01 6.91 7.90 9.07 10.32 11.75 13.44 15.53 18.06 20.95 24.69 86 72 2.64 3.31 4.02 4.78 5.61 6.51 7.48 8.56 9.82 11.18 12.72 14.56 16.82 19.56 22.69 26.82 87 73 2.84 3.56 4.32 5.15 6.04 7.01 8.06 9.21 10.57 12.03 13.70 15.67 18.10 21.06 24.43 29.09 88 -------------------------------------------------------------------------------------------------------------------------- 74 3.04 3.81 4.63 5.51 6.47 7.51 8.63 9.87 11.33 12.89 14.67 16.79 19.39 22.56 26.17 31.05 89 75 3.25 4.07 4.94 5.88 6.90 8.00 9.20 10.52 12.08 13.75 15.65 17.90 20.68 24.06 27.91 32.55 90 -------------------------------------------------------------------------------------------------------------------------- 76 3.45 4.32 5.25 6.25 7.33 8.50 9.78 11.18 12.83 14.60 16.62 19.02 21.97 25.56 29.65 33.73 91 77 3.65 4.57 5.55 6.61 7.76 9.00 10.35 11.84 13.58 15.46 17.60 20.14 23.26 27.06 31.39 34.92 92 78 3.85 4.83 5.86 6.98 8.19 9.50 10.92 12.49 14.34 16.31 18.57 21.25 24.55 28.55 33.13 36.89 93 -------------------------------------------------------------------------------------------------------------------------- 79 4.06 5.08 6.17 7.34 8.62 10.00 11.50 13.15 15.09 17.17 19.55 22.37 25.84 30.05 34.87 39.90 94 80 4.26 5.33 6.48 7.71 9.05 10.50 12.07 13.80 15.84 18.03 20.52 23.48 27.12 31.55 36.61 42.96 95 -------------------------------------------------------------------------------------------------------------------------- 44.86 96 46.96 97 49.09 98 -------------------------------------------------------------------------------------------------------------------------- 51.27 99 -------------------------------------------------------------------------------------------------------------------------- 5/18/1982
PREFERRED NON-SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 0.839 15 0.693 0.830 0.954 1.055 1.124 1.162 0.834 0.792 16 0.840 0.963 1.021 1.078 1.113 0.818 0.788 0.755 17 0.966 1.023 1.048 1.072 0.801 0.770 0.743 0.716 18 0.966 1.011 1.034 0.765 0.762 0.720 0.692 0.667 19 0.924 0.979 0.725 0.715 0.701 0.659 0.635 0.611 20 0.861 0.670 0.675 0.661 0.640 0.588 0.578 0.557 21 0.554 0.610 0.632 0.624 0.605 0.567 0.579 0.572 22 0.484 0.540 0.567 0.556 0.539 0.519 0.514 0.510 23 0.430 0.475 0.503 0.494 0.487 0.465 0.463 0.460 24 0.373 0.412 0.439 0.444 0.435 0.423 0.416 0.421 25 0.332 0.364 0.396 0.400 0.405 0.393 0.395 0.405 26 0.307 0.340 0.365 0.376 0.386 0.387 0.394 0.402 27 0.299 0.321 0.348 0.364 0.380 0.392 0.401 0.414 28 0.298 0.321 0.342 0.364 0.385 0.400 0.414 0.440 29 0.307 0.325 0.348 0.375 0.400 0.419 0.447 0.470 30 0.313 0.336 0.364 0.385 0.414 0.447 0.469 0.507 31 0.316 0.348 0.370 0.400 0.434 0.464 0.500 0.543 32 0.320 0.352 0.382 0.417 0.448 0.489 0.535 0.587 33 0.313 0.352 0.392 0.429 0.474 0.520 0.575 0.629 34 0.299 0.350 0.392 0.441 0.494 0.548 0.605 0.666 35 0.301 0.356 0.411 0.472 0.530 0.591 0.653 0.724 36 0.304 0.376 0.443 0.514 0.583 0.650 0.726 0.805 37 0.321 0.402 0.482 0.565 0.644 0.721 0.805 0.893 38 0.344 0.439 0.535 0.626 0.716 0.801 0.891 0.997 39 0.375 0.489 0.594 0.697 0.794 0.889 0.993 1.115 40 0.412 0.543 0.663 0.779 0.879 0.985 1.109 1.244 41 0.450 0.599 0.740 0.863 0.977 1.100 1.230 1.375 42 0.489 0.659 0.810 0.952 1.086 1.218 1.359 1.518 43 0.528 0.714 0.886 1.048 1.196 1.340 1.491 1.663 44 0.566 0.773 0.969 1.148 1.305 1.463 1.628 1.810 45 0.611 0.841 1.055 1.255 1.427 1.599 1.778 1.980 46 0.660 0.909 1.146 1.371 1.568 1.754 1.956 2.180 47 0.709 0.989 1.252 1.504 1.733 1.946 2.165 2.417 48 0.759 1.077 1.375 1.656 1.934 2.178 2.426 2.715 49 0.814 1.175 1.511 1.838 2.158 2.445 2.741 3.068 50 0.870 1.285 1.667 2.033 2.398 2.741 3.087 3.457 51 0.930 1.407 1.837 2.244 2.655 3.053 3.446 3.842 52 0.999 1.537 2.016 2.471 2.919 3.361 3.783 4.234 53 1.072 1.672 2.207 2.699 3.185 3.640 4.108 4.599 54 1.156 1.820 2.405 2.935 3.440 3.923 4.417 4.948 55 1.249 1.985 2.625 3.182 3.723 4.219 4.730 5.301 56 1.362 2.172 2.866 3.475 4.031 4.538 5.079 5.696 57 1.499 2.389 3.161 3.811 4.375 4.912 5.496 6.154 58 1.658 2.661 3.513 4.206 4.798 5.382 6.008 6.696 59 1.856 2.978 3.916 4.666 5.315 5.949 6.610 7.322 60 2.081 3.330 4.364 5.183 5.914 6.589 7.286 8.030 61 2.339 3.709 4.844 5.753 6.557 7.278 8.020 8.839 62 2.631 4.104 5.339 6.357 7.214 8.000 8.821 9.717 63 2.959 4.562 5.890 6.988 7.885 8.742 9.632 10.623 64 3.330 5.098 6.514 7.651 8.599 9.510 10.473 11.563 65 3.743 5.668 7.178 8.346 9.360 10.345 11.392 12.633 66 4.191 6.233 7.833 9.061 10.182 11.276 12.474 13.860 67 4.690 6.750 8.420 9.792 11.078 12.362 13.733 15.378 68 5.232 7.227 8.961 10.526 12.065 13.600 15.290 17.246 69 5.825 7.709 9.494 11.284 13.116 15.040 17.125 19.506 70 6.466 8.173 10.026 12.033 14.253 16.632 19.243 22.134 71 7.104 8.988 11.012 13.212 15.615 18.214 21.072 24.231 72 7.809 9.871 12.090 14.478 17.106 19.950 23.074 26.519 73 8.564 10.824 13.232 15.838 18.709 21.814 25.214 28.984 74 9.241 11.655 14.238 17.040 20.126 23.456 27.115 31.164 75 9.771 12.316 15.048 18.005 21.254 24.771 28.633 32.891 76 10.210 12.868 15.718 18.799 22.192 25.862 29.877 34.310 77 10.658 13.429 16.397 19.612 23.148 26.961 31.138 35.745 78 11.350 14.295 17.455 20.875 24.624 28.673 33.104 37.989 79 12.368 15.578 19.019 22.732 26.808 31.205 36.015 41.310 80 13.419 16.899 20.620 24.638 29.046 33.798 38.990 44.709 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.011 21 7 0.683 0.838 0.996 1.139 1.254 1.306 0.990 0.973 22 8 0.842 0.998 1.138 1.250 1.299 0.973 0.954 0.946 23 9 1.001 1.139 1.248 1.294 0.959 0.939 0.929 0.926 24 10 1.139 1.246 1.291 0.946 0.925 0.915 0.911 0.893 25 11 1.223 1.262 0.914 0.890 0.877 0.871 0.851 0.839 26 12 1.231 0.879 0.854 0.838 0.829 0.807 0.794 0.768 27 13 0.856 0.819 0.801 0.789 0.765 0.748 0.721 0.727 28 14 0.801 0.773 0.759 0.733 0.715 0.687 0.690 0.689 29 15 0.761 0.730 0.709 0.688 0.658 0.660 0.656 0.648 30 16 0.723 0.693 0.664 0.640 0.640 0.635 0.626 0.620 31 17 0.685 0.655 0.629 0.629 0.624 0.614 0.607 0.587 32 18 0.643 0.622 0.587 0.593 0.589 0.588 0.577 0.547 33 19 0.597 0.574 0.549 0.558 0.562 0.566 0.546 0.527 34 20 0.543 0.535 0.508 0.524 0.529 0.529 0.522 0.512 35 21 0.579 0.583 0.562 0.562 0.550 0.539 0.534 0.505 36 22 0.517 0.531 0.525 0.515 0.516 0.521 0.515 0.505 37 23 0.470 0.490 0.487 0.486 0.503 0.509 0.514 0.534 38 24 0.437 0.452 0.465 0.472 0.490 0.512 0.539 0.570 39 25 0.417 0.436 0.460 0.473 0.505 0.547 0.581 0.620 40 26 0.418 0.446 0.468 0.498 0.542 0.594 0.639 0.682 41 27 0.439 0.464 0.495 0.540 0.593 0.652 0.705 0.751 42 28 0.462 0.497 0.537 0.588 0.645 0.712 0.772 0.836 43 29 0.503 0.553 0.599 0.649 0.711 0.781 0.854 0.928 44 30 0.553 0.609 0.659 0.715 0.780 0.862 0.941 1.038 45 31 0.602 0.660 0.716 0.780 0.858 0.947 1.043 1.163 46 32 0.648 0.714 0.779 0.858 0.943 1.049 1.168 1.309 47 33 0.695 0.770 0.849 0.935 1.044 1.176 1.316 1.469 48 34 0.736 0.816 0.907 1.015 1.154 1.312 1.468 1.659 49 35 0.805 0.886 0.996 1.128 1.289 1.465 1.646 1.873 50 36 0.888 0.984 1.114 1.263 1.441 1.642 1.850 2.094 51 37 0.991 1.103 1.246 1.407 1.604 1.832 2.069 2.326 52 38 1.110 1.235 1.384 1.562 1.777 2.032 2.316 2.600 53 39 1.244 1.374 1.538 1.729 1.964 2.257 2.596 2.916 54 40 1.383 1.532 1.706 1.912 2.178 2.512 2.910 3.307 55 41 1.533 1.698 1.890 2.126 2.426 2.805 3.271 3.769 56 42 1.692 1.877 2.102 2.377 2.715 3.148 3.679 4.291 57 43 1.848 2.074 2.340 2.662 3.056 3.540 4.137 4.814 58 44 2.015 2.286 2.605 2.989 3.443 3.988 4.608 5.397 59 45 2.204 2.523 2.908 3.355 3.879 4.456 5.158 6.005 60 46 2.432 2.797 3.241 3.757 4.330 4.995 5.765 6.663 61 47 2.727 3.117 3.616 4.173 4.840 5.587 6.437 7.401 62 48 3.077 3.487 4.006 4.642 5.388 6.226 7.187 8.260 63 49 3.467 3.881 4.456 5.149 5.975 6.927 8.020 9.241 64 50 3.859 4.323 4.935 5.689 6.610 7.688 8.937 10.315 65 51 4.283 4.787 5.458 6.305 7.351 8.604 10.051 11.663 66 52 4.711 5.261 6.031 7.007 8.229 9.692 11.402 13.322 67 53 5.131 5.739 6.620 7.735 9.110 10.760 12.717 15.042 68 54 5.550 6.235 7.262 8.558 10.134 12.028 14.393 17.084 69 55 5.988 6.760 7.931 9.403 11.178 13.383 16.078 19.080 70 56 6.450 7.318 8.654 10.326 12.395 14.892 17.969 21.469 71 57 6.940 7.929 9.424 11.341 13.650 16.441 19.872 23.907 72 58 7.498 8.607 10.309 12.443 15.033 18.163 22.030 26.340 73 59 8.166 9.402 11.304 13.705 16.660 20.282 24.543 29.449 74 60 8.967 10.288 12.374 15.019 18.340 22.283 27.047 32.448 75 61 9.859 11.274 13.590 16.565 20.222 24.732 30.078 36.267 76 62 10.840 12.373 14.920 18.103 22.167 27.130 33.050 39.983 77 63 11.865 13.556 16.314 19.881 24.417 30.017 36.689 44.671 78 64 12.967 14.767 17.839 21.790 26.882 33.176 40.666 49.769 79 65 14.170 16.166 19.543 23.947 29.626 36.661 45.024 55.186 80 66 15.622 17.804 21.551 26.438 32.724 40.501 49.800 60.839 81 67 17.384 19.812 23.969 29.349 36.231 44.765 55.031 67.040 82 68 19.580 22.285 26.891 32.751 40.222 49.483 60.721 73.762 83 69 22.222 25.236 30.316 36.670 44.694 54.638 66.888 81.449 84 70 25.286 28.631 34.245 41.081 49.626 60.251 73.546 89.994 85 71 27.670 31.335 37.565 45.138 54.623 66.417 81.186 99.462 86 72 30.289 34.292 41.285 49.819 60.508 73.824 90.508 111.185 87 73 33.096 37.448 45.298 54.878 66.895 81.866 100.665 124.774 88 74 35.565 40.234 48.763 59.182 72.256 88.556 109.650 136.123 89 75 37.527 42.435 51.539 62.661 76.616 94.528 117.243 145.811 90 76 39.130 44.234 53.700 65.264 80.156 98.903 122.716 152.647 91 77 40.753 46.048 55.884 68.185 83.751 103.379 128.295 159.617 92 78 43.291 48.900 59.548 72.662 89.285 110.232 136.825 168.827 93 79 47.061 53.313 64.927 79.257 97.408 120.283 148.146 182.794 94 80 51.055 57.843 70.471 86.041 105.766 129.659 159.693 197.022 95
PREFERRED NON-SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ----- ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.2_9 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.409 15 0.317 0.382 0.442 0.492 0.527 0.548 0.411 0.393 16 0.384 0.444 0.475 0.506 0.527 0.406 0.395 0.379 17 0.451 0.482 0.498 0.514 0.404 0.392 0.379 0.367 18 0.460 0.486 0.502 0.391 0.393 0.373 0.360 0.351 19 0.449 0.480 0.374 0.372 0.367 0.347 0.338 0.329 20 0.426 0.349 0.355 0.350 0.341 0.318 0.316 0.306 21 0.308 0.338 0.347 0.340 0.329 0.307 0.311 0.308 22 0.294 0.325 0.339 0.332 0.321 0.306 0.304 0.300 23 0.287 0.315 0.334 0.327 0.319 0.306 0.303 0.302 24 0.276 0.305 0.324 0.324 0.319 0.309 0.305 0.308 25 0.268 0.293 0.316 0.320 0.322 0.314 0.314 0.321 26 0.255 0.280 0.302 0.309 0.318 0.318 0.321 0.330 27 0.256 0.275 0.296 0.310 0.323 0.331 0.340 0.351 28 0.260 0.278 0.297 0.315 0.331 0.345 0.357 0.378 29 0.268 0.284 0.302 0.324 0.346 0.363 0.385 0.410 30 0.278 0.298 0.320 0.340 0.366 0.392 0.415 0.447 31 0.284 0.311 0.332 0.358 0.386 0.417 0.447 0.486 32 0.286 0.315 0.342 0.370 0.402 0.436 0.478 0.523 33 0.280 0.315 0.347 0.383 0.422 0.463 0.511 0.559 34 0.271 0.315 0.355 0.397 0.445 0.493 0.543 0.596 35 0.271 0.323 0.371 0.425 0.477 0.531 0.585 0.645 36 0.271 0.334 0.393 0.455 0.516 0.573 0.637 0.703 37 0.280 0.351 0.420 0.491 0.558 0.623 0.692 0.767 38 0.301 0.383 0.466 0.545 0.620 0.691 0.767 0.854 39 0.328 0.427 0.518 0.605 0.686 0.767 0.853 0.951 40 0.354 0.466 0.566 0.662 0.747 0.832 0.931 1.040 41 0.379 0.503 0.618 0.720 0.812 0.907 1.011 1.124 42 0.411 0.552 0.678 0.792 0.899 1.004 1.115 1.239 43 0.435 0.587 0.725 0.852 0.968 1.080 1.196 1.329 44 0.458 0.621 0.774 0.913 1.034 1.153 1.279 1.419 45 0.483 0.660 0.824 0.976 1.105 1.233 1.369 1.520 46 0.508 0.697 0.875 1.042 1.187 1.326 1.474 1.643 47 0.534 0.741 0.934 1.117 1.285 1.438 1.601 1.786 48 0.558 0.788 1.002 1.205 1.402 1.579 1.758 1.966 49 0.584 0.839 1.077 1.306 1.534 1.737 1.946 2.177 50 0.608 0.898 1.161 1.416 1.669 1.907 2.146 2.403 51 0.651 0.982 1.282 1.566 1.852 2.128 2.402 2.680 52 0.700 1.076 1.411 1.728 2.040 2.349 2.645 2.952 53 0.752 1.173 1.547 1.891 2.231 2.552 2.872 3.208 54 0.813 1.279 1.689 2.061 2.418 2.749 3.088 3.450 55 0.880 1.398 1.848 2.242 2.615 2.958 3.306 3.695 56 0.961 1.533 2.025 2.447 2.833 3.180 3.549 3.968 57 1.061 1.692 2.232 2.685 3.073 3.441 3.839 4.284 58 1.178 1.884 2.481 2.962 3.370 3.768 4.193 4.663 59 1.317 2.109 2.765 3.286 3.731 4.162 4.614 5.101 60 1.477 2.358 3.081 3.647 4.148 4.612 5.088 5.592 61 1.660 2.625 3.417 4.045 4.601 5.096 5.599 6.131 62 1.867 3.903 3.764 4.472 5.064 5.599 6.138 6.715 63 2.098 3.224 4.154 4.918 5.533 6.101 6.680 7.307 64 2.360 3.605 4.596 5.382 6.020 6.620 7.233 7.914 65 2.653 4.009 5.062 5.861 6.538 7.173 7.832 8.593 66 2.972 4.407 5.518 6.352 7.089 7.788 8.528 9.435 67 3.324 4.769 5.924 6.846 7.686 8.495 9.391 10.464 68 3.708 5.102 6.290 7.337 8.333 9.342 10.446 11.736 69 4.127 5.433 6.648 7.833 9.051 10.318 11.696 13.279 70 4.575 5.749 6.995 8.342 9.817 11.399 13.140 15.062 71 5.020 6.303 7.669 9.137 10.741 12.475 14.376 16.427 72 5.504 6.906 8.395 9.994 11.752 13.645 15.683 17.916 73 6.019 7.547 9.166 10.914 12.829 14.864 17.077 19.505 74 6.469 8.102 9.841 11.714 13.749 15.927 18.294 20.884 75 6.817 8.539 10.371 12.331 14.469 16.755 19.237 21.956 76 7.100 8.891 10.792 12.830 15.048 17.419 19.995 22.818 77 7.383 9.244 11.219 13.333 15.630 18.089 20.761 23.685 78 7.832 9.806 11.897 14.132 16.563 19.166 21.991 25.083 79 8.505 10.645 12.908 15.329 17.965 20.782 23.839 27.188 80 9.192 11.498 13.940 16.553 19.393 22.429 25.727 29.337 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------ ------- -------- 0 0.150 0.137 0.1__ 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 1.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 1.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.415 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.414 0.398 22 8 0.371 0.436 0.488 0.527 0.538 0.412 0.397 0.383 23 9 0.438 0.491 0.530 0.541 0.410 0.395 0.382 0.371 24 10 0.493 0.532 0.543 0.409 0.394 0.380 0.370 0.357 25 11 0.535 0.546 0.407 0.392 0.379 0.369 0.356 0.347 26 12 0.549 0.405 0.390 0.378 0.368 0.355 0.346 0.329 27 13 0.407 0.389 0.376 0.367 0.355 0.345 0.329 0.334 28 14 0.391 0.375 0.366 0.354 0.345 0.328 0.334 0.335 29 15 0.377 0.361 0.353 0.344 0.328 0.334 0.335 0.337 30 16 0.364 0.352 0.340 0.328 0.334 0.335 0.337 0.339 31 17 0.354 0.342 0.329 0.335 0.337 0.339 0.340 0.333 32 18 0.342 0.332 0.319 0.327 0.333 0.337 0.335 0.326 33 19 0.322 0.316 0.306 0.318 0.326 0.333 0.330 0.326 34 20 0.304 0.304 0.296 0.310 0.318 0.326 0.330 0.330 35 21 0.310 0.314 0.312 0.321 0.328 0.336 0.346 0.348 36 22 0.306 0.313 0.317 0.323 0.335 0.349 0.364 0.372 37 23 0.308 0.319 0.325 0.332 0.349 0.367 0.380 0.406 38 24 0.317 0.330 0.344 0.352 0.375 0.398 0.425 0.455 39 25 0.332 0.348 0.367 0.384 0.412 0.449 0.479 0.513 40 26 0.343 0.364 0.387 0.413 0.450 0.493 0.530 0.564 41 27 0.371 0.396 0.421 0.458 0.500 0.547 0.587 0.620 42 28 0.401 0.431 0.464 0.503 0.549 0.600 0.644 0.689 43 29 0.437 0.481 0.517 0.557 0.604 0.657 0.711 0.766 44 30 0.489 0.537 0.576 0.618 0.667 0.727 0.786 0.855 45 31 0.537 0.589 0.632 0.679 0.736 0.803 0.871 0.954 46 32 0.577 0.634 0.680 0.737 0.800 0.874 0.955 1.051 47 33 0.615 0.678 0.737 0.802 0.881 0.975 1.073 1.177 48 34 0.656 0.724 0.794 0.873 0.974 1.088 1.195 1.327 49 35 0.714 0.786 0.865 0.959 1.074 1.195 1.316 1.467 50 36 0.775 0.855 0.946 1.052 1.175 1.312 1.448 1.609 51 37 0.846 0.936 1.037 1.146 1.280 1.433 1.588 1.749 52 38 0.945 1.047 1.146 1.262 1.402 1.568 1.746 1.920 53 39 1.057 1.162 1.270 1.395 1.552 1.742 1.963 2.157 54 40 1.150 1.268 1.380 1.514 1.685 1.904 2.158 2.399 55 41 1.248 1.377 1.505 1.660 1.862 2.115 2.422 2.740 56 42 1.376 1.523 1.674 1.861 2.088 2.378 2.730 3.127 57 43 1.474 1.650 1.837 2.060 2.331 2.661 3.066 3.520 58 44 1.575 1.786 2.014 2.286 2.604 2.985 3.414 3.944 59 45 1.691 1.936 2.214 2.535 2.910 3.322 3.807 4.390 60 46 1.831 2.105 2.429 2.806 3.225 3.695 4.241 4.869 61 47 2.014 2.301 2.659 3.060 3.525 4.046 4.631 5.290 62 48 2.228 2.524 2.891 3.328 3.840 4.408 5.055 5.769 63 49 2.460 2.756 3.143 3.609 4.161 4.792 5.510 6.304 64 50 2.685 2.999 3.416 3.926 4.549 5.274 6.111 7.038 65 51 2.979 3.322 3.767 4.328 5.018 5.839 6.789 7.840 66 52 3.277 3.650 4.140 4.759 5.528 6.449 7.514 8.689 67 53 3.568 3.980 4.530 5.223 6.077 7.091 8.275 9.593 68 54 3.858 4.321 4.941 5.723 6.662 7.770 9.076 10.506 69 55 4.161 4.682 5.385 6.259 7.293 8.505 9.946 11.468 70 56 4.478 5.070 5.863 6.837 7.977 9.311 10.895 12.613 71 57 4.821 5.496 6.381 7.466 8.730 10.199 11.947 13.904 72 58 5.210 5.963 6.944 8.144 9.544 11.177 13.117 15.392 73 59 5.672 6.483 7.555 8.865 10.423 12.252 14.506 17.039 74 60 6.202 7.060 8.218 9.647 11.375 13.510 16.038 18.854 75 61 6.790 7.692 8.980 10.585 12.638 15.127 18.041 21.368 76 62 7.425 8.391 9.821 11.687 14.044 16.901 20.279 24.182 77 63 8.083 9.128 10.818 12.990 15.751 19.149 23.163 27.743 78 64 8.776 9.960 11.859 14.306 17.460 21.334 25.748 31.048 79 65 9.602 10.911 13.080 15.918 19.570 23.944 29.088 35.265 80 66 10.587 12.031 14.469 17.647 21.616 26.488 32.242 38.987 81 67 11.789 13.405 16.192 19.707 24.188 29.702 36.275 43.918 82 68 13.289 15.088 18.121 21.968 26.842 32.841 40.087 48.444 83 69 15.084 17.022 20.459 24.735 30.107 36.754 44.922 54.595 84 70 17.099 19.245 23.133 27.850 33.743 41.063 50.207 61.506 85 71 18.646 20.981 25.392 30.761 37.482 45.837 56.298 69.261 86 72 20.332 22.864 27.965 34.200 42.009 51.748 63.977 79.169 87 73 22.123 24.872 30.749 37.939 46.967 58.248 72.454 90.785 88 74 23.681 26.623 33.134 41.118 51.161 63.728 80.088 100.725 89 75 24.895 27.976 35.058 43.759 54.706 68.845 86.868 109.657 90 76 25.862 29.058 36.411 45.441 57.123 71.909 90.777 114.627 91 77 26.840 30.153 37.779 47.383 59.583 75.043 94.762 119.718 92 78 28.420 31.925 40.179 50.407 63.418 79.897 100.943 126.562 93 79 30.903 34.739 43.733 54.894 69.084 87.079 109.239 136.951 94 80 33.352 37.626 47.391 59.504 74.923 93.819 117.683 147.5__ 95
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.40_ 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.33_ 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.220 15 0.693 0.830 0.954 1.055 1.124 1.162 1.211 1.168 16 0.840 0.963 1.021 1.078 1.113 1.188 1.162 1.130 17 0.966 1.023 1.048 1.072 1.164 1.136 1.112 1.088 18 0.966 1.011 1.034 1.112 1.124 1.077 1.052 1.035 19 0.924 0.979 1.053 1.055 1.049 1.003 0.986 0.966 20 0.861 0.973 0.996 0.990 0.973 0.914 0.914 0.903 21 0.805 0.900 0.946 0.949 0.940 0.896 0.937 0.950 22 0.714 0.808 0.862 0.864 0.853 0.840 0.854 0.874 23 0.643 0.722 0.781 0.781 0.788 0.773 0.793 0.824 24 0.567 0.640 0.694 0.718 0.723 0.725 0.746 0.778 25 0.516 0.575 0.641 0.665 0.693 0.705 0.728 0.764 26 0.486 0.550 0.607 0.644 0.691 0.715 0.742 0.778 27 0.485 0.534 0.596 0.651 0.701 0.738 0.776 0.818 28 0.495 0.549 0.612 0.671 0.726 0.773 0.818 0.875 29 0.526 0.582 0.642 0.706 0.773 0.828 0.888 0.955 30 0.560 0.621 0.685 0.746 0.820 0.890 0.952 1.038 31 0.583 0.656 0.717 0.792 0.863 0.943 1.023 1.129 32 0.602 0.680 0.756 0.829 0.910 1.000 1.113 1.233 33 0.605 0.697 0.779 0.870 0.970 1.081 1.208 1.342 34 0.592 0.697 0.796 0.903 1.027 1.151 1.289 1.437 35 0.599 0.724 0.842 0.982 1.115 1.261 1.410 1.575 36 0.616 0.771 0.922 1.080 1.244 1.404 1.580 1.764 37 0.658 0.836 1.014 1.204 1.389 1.570 1.764 1.977 38 0.716 0.922 1.140 1.352 1.558 1.757 1.973 2.219 39 0.788 1.042 1.282 1.517 1.741 1.968 2.211 2.470 40 0.878 1.172 1.442 1.708 1.948 2.194 2.458 2.746 41 0.970 1.303 1.621 1.910 2.176 2.437 2.715 3.022 42 1.064 1.445 1.795 2.119 2.407 2.690 2.989 3.324 43 1.158 1.580 1.974 2.321 2.640 2.946 3.266 3.619 44 1.254 1.720 2.147 2.534 2.870 3.205 3.544 3.910 45 1.361 1.863 2.329 2.759 3.125 3.481 3.840 4.218 46 1.463 2.006 2.519 3.003 3.413 3.789 4.169 4.593 47 1.566 2.174 2.743 3.273 3.743 4.146 4.562 5.025 48 1.669 2.359 2.993 3.577 4.121 4.588 5.043 5.550 49 1.783 2.557 3.262 3.916 4.546 5.083 5.603 6.162 50 1.893 2.775 3.552 4.283 4.985 5.604 6.200 6.816 51 2.008 2.998 3.869 4.666 5.429 6.132 6.794 7.449 52 2.130 3.238 4.193 5.052 5.863 6.628 7.334 8.014 53 2.259 3.478 4.512 5.421 6.279 7.056 7.776 8.507 54 2.403 3.721 4.830 5.787 6.669 7.425 8.169 8.970 55 2.554 3.987 5.176 6.168 7.046 7.804 8.575 9.419 56 2.735 4.282 5.557 6.577 7.456 8.226 9.026 9.922 57 2.955 4.631 5.983 7.050 7.931 8.730 9.575 10.498 58 3.215 5.037 6.497 7.625 8.526 9.376 10.249 11.188 59 3.513 5.509 7.099 8.292 9.258 10.149 11.044 11.976 60 3.848 6.037 7.756 9.029 10.089 11.009 11.917 12.851 61 4.240 6.592 8.438 9.814 10.955 11.904 12.835 13.826 62 4.676 7.149 9.108 10.621 11.800 12.802 13.798 14.855 63 5.155 7.782 9.841 11.430 12.619 13.675 14.725 15.864 64 5.682 8.519 10.654 12.244 13.451 14.539 15.639 16.855 65 6.253 9.270 11.487 13.056 14.309 15.448 16.606 17.966 66 6.854 9.975 12.254 13.853 15.205 16.437 17.740 19.221 67 7.505 10.559 12.872 14.623 16.148 17.581 19.044 20.777 68 8.184 11.048 13.381 15.345 17.158 18.859 20.659 22.842 69 8.905 11.511 13.840 16.047 18.188 20.322 22.683 25.313 70 9.655 11.914 14.258 16.687 19.258 22.029 24.972 28.133 71 10.356 12.782 15.270 17.851 20.682 23.637 26.784 30.152 72 11.105 13.688 16.335 19.176 22.198 25.358 28.713 32.293 73 11.876 14.625 17.526 20.552 23.781 27.144 30.703 34.524 74 12.486 15.437 18.477 21.659 25.044 28.562 32.298 36.286 75 12.942 15.983 19.126 22.405 25.882 29.506 33.339 37.423 76 13.249 16.356 19.559 22.892 26.433 30.113 33.994 38.124 77 13.547 16.711 19.967 23.361 26.952 30.676 34.600 38.762 78 14.123 17.408 20.792 24.305 28.016 31.860 35.898 40.182 79 15.061 18.556 22.145 25.864 29.787 33.838 38.094 42.595 80 15.984 19.676 23.460 27.377 31.497 35.750 40.203 44.910 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------- ------- ------- -------- 0 0.298 0.284 0.2__ 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.566 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.517 1.530 22 8 0.842 0.998 1.138 1.250 1.299 1.477 1.486 1.509 23 9 1.001 1.139 1.248 1.294 1.441 1.447 1.468 1.502 24 10 1.139 1.246 1.291 1.406 1.412 1.431 1.463 1.478 25 11 1.223 1.262 1.343 1.343 1.357 1.384 1.394 1.414 26 12 1.231 1.278 1.274 1.283 1.304 1.310 1.324 1.326 27 13 1.243 1.209 1.213 1.227 1.228 1.236 1.233 1.287 28 14 1.181 1.157 1.167 1.164 1.168 1.162 1.210 1.256 29 15 1.139 1.111 1.114 1.113 1.102 1.145 1.185 1.237 30 16 1.099 1.076 1.063 1.059 1.099 1.135 1.183 1.220 31 17 1.063 1.036 1.031 1.069 1.103 1.149 1.183 1.179 32 18 1.016 1.007 0.986 1.038 1.092 1.133 1.148 1.128 33 19 0.966 0.954 0.950 1.022 1.073 1.115 1.115 1.111 34 20 0.902 0.915 0.921 0.990 1.032 1.069 1.090 1.085 35 21 0.991 1.045 1.050 1.084 1.101 1.114 1.120 1.093 36 22 0.926 0.980 1.001 1.020 1.054 1.081 1.104 1.103 37 23 0.867 0.923 0.953 0.982 1.033 1.080 1.110 1.185 38 24 0.823 0.874 0.930 0.960 1.029 1.095 1.184 1.278 39 25 0.807 0.862 0.925 0.982 1.069 1.189 1.289 1.408 40 26 0.827 0.887 0.960 1.043 1.166 1.305 1.438 1.568 41 27 0.873 0.942 1.026 1.149 1.289 1.451 1.605 1.742 42 28 0.938 1.017 1.131 1.264 1.421 1.606 1.774 1.953 43 29 1.030 1.151 1.274 1.416 1.587 1.776 1.976 2.189 44 30 1.151 1.280 1.421 1.578 1.756 1.973 2.198 2.463 45 31 1.264 1.407 1.564 1.737 1.944 2.190 2.451 2.747 46 32 1.382 1.541 1.714 1.922 2.158 2.440 2.732 3.080 47 33 1.500 1.675 1.882 2.118 2.403 2.723 3.066 3.442 48 34 1.601 1.789 2.032 2.311 2.644 3.025 3.405 3.872 49 35 1.764 1.963 2.244 2.557 2.942 3.364 3.805 4.345 50 36 1.967 2.192 2.497 2.852 3.274 3.758 4.249 4.820 51 37 2.206 2.444 2.783 3.163 3.632 4.166 4.717 5.283 52 38 2.461 2.727 3.079 3.498 3.998 4.584 5.207 5.838 53 39 2.747 3.021 3.406 3.849 4.386 5.024 5.772 6.463 54 40 3.040 3.354 3.755 4.223 4.798 5.528 6.386 7.205 55 41 3.357 3.696 4.128 4.633 5.283 6.093 7.057 8.068 56 42 3.684 4.053 4.531 5.121 5.835 6.722 7.798 9.016 57 43 3.991 4.420 4.986 5.661 6.458 7.427 8.608 9.947 58 44 4.293 4.815 5.479 6.250 7.149 8.214 9.428 10.887 59 45 4.642 5.247 6.013 6.891 7.906 9.024 10.302 11.839 60 46 5.057 5.719 6.583 7.576 8.677 9.875 11.253 12.874 61 47 5.576 6.261 7.211 8.273 9.470 10.796 12.315 14.017 62 48 6.181 6.875 7.855 8.986 10.303 11.791 13.478 15.336 63 49 6.836 7.523 8.531 9.739 11.196 12.860 14.744 16.803 64 50 7.480 8.182 9.234 10.546 12.143 13.990 16.089 18.368 65 51 8.107 8.855 10.008 11.459 13.239 15.334 17.723 20.331 66 52 8.713 9.538 10.840 12.485 14.513 16.918 19.680 22.722 67 53 9.302 10.199 11.664 13.495 15.737 18.384 21.477 25.078 68 54 9.862 10.862 12.531 14.624 17.134 20.107 23.760 27.836 69 55 10.431 11.532 13.404 15.730 18.493 21.869 25.939 30.367 70 56 11.003 12.228 14.318 16.900 20.044 23.783 28.317 33.355 71 57 11.596 12.969 15.253 18.143 21.573 25.647 30.570 36.235 72 58 12.265 13.774 16.311 19.455 23.207 27.659 33.062 38.930 73 59 13.068 14.708 17.479 20.931 25.106 30.132 35.917 42.407 74 60 14.027 15.728 18.690 22.391 26.963 32.280 38.565 45.806 75 61 15.073 16.836 20.037 24.094 28.989 34.908 42.043 50.160 76 62 16.187 18.036 21.461 25.674 30.963 37.539 45.261 54.164 77 63 17.295 19.278 22.883 27.473 33.433 40.692 49.213 59.245 78 64 18.440 20.477 24.380 29.518 36.064 44.051 53.403 64.592 79 65 19.650 21.843 26.182 31.782 38.929 47.656 57.858 70.059 80 66 21.107 23.583 28.287 34.368 42.096 51.520 62.600 75.497 81 67 23.026 25.710 30.816 37.350 45.610 55.702 67.619 81.295 82 68 25.409 28.326 33.846 40.788 49.528 60.187 72.908 87.353 83 69 28.245 31.403 37.340 44.672 53.797 64.941 78.434 94.133 84 70 31.465 34.864 41.258 48.919 58.371 69.937 84.164 101.453 85 71 33.694 37.325 44.240 52.524 62.745 75.238 90.624 109.302 86 72 36.078 39.927 47.512 56.615 67.832 81.573 98.484 119.033 87 73 38.535 42.608 50.910 60.862 73.149 88.180 106.711 131.214 88 74 40.465 44.707 53.485 64.023 77.020 92.926 114.176 140.564 89 75 41.699 46.016 55.140 66.078 79.561 97.435 119.877 147.801 90 76 42.432 46.788 56.005 67.047 81.762 100.103 123.169 151.840 91 77 43.106 47.480 56.779 68.807 83.886 102.712 126.362 155.768 92 78 44.638 49.120 59.430 72.001 87.786 107.473 132.212 163.147 93 79 47.273 52.604 63.628 77.093 93.983 115.053 141.754 174.907 94 80 50.376 56.043 67.793 82.128 100.116 122.811 151.300 186.653 95
PREFERRED SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.593 15 0.317 0.382 0.442 0.492 0.527 0.548 0.596 0.580 16 0.384 0.444 0.475 0.506 0.527 0.589 0.582 0.569 17 0.451 0.482 0.498 0.514 0.585 0.578 0.569 0.560 18 0.460 0.486 0.502 0.566 0.580 0.560 0.550 0.546 19 0.449 0.480 0.542 0.549 0.551 0.530 0.525 0.520 20 0.426 0.505 0.524 0.526 0.521 0.494 0.500 0.495 21 0.447 0.499 0.522 0.520 0.512 0.486 0.502 0.512 22 0.434 0.489 0.518 0.516 0.508 0.495 0.505 0.515 23 0.432 0.482 0.519 0.517 0.516 0.508 0.520 0.537 24 0.421 0.474 0.512 0.525 0.530 0.529 0.542 0.566 25 0.416 0.464 0.512 0.532 0.552 0.559 0.578 0.608 26 0.404 0.453 0.502 0.530 0.565 0.584 0.608 0.639 27 0.414 0.457 0.508 0.551 0.594 0.626 0.659 0.693 28 0.432 0.476 0.528 0.579 0.627 0.668 0.705 0.755 29 0.459 0.505 0.556 0.613 0.671 0.716 0.769 0.830 30 0.495 0.548 0.606 0.659 0.721 0.784 0.841 0.919 31 0.523 0.589 0.643 0.707 0.772 0.845 0.918 1.010 32 0.541 0.610 0.675 0.740 0.814 0.895 0.994 1.101 33 0.542 0.621 0.695 0.777 0.866 0.963 1.076 1.192 34 0.535 0.629 0.719 0.816 0.926 1.038 1.159 1.288 35 0.542 0.654 0.761 0.885 1.005 1.133 1.263 1.405 36 0.549 0.685 0.817 0.958 1.100 1.238 1.387 1.544 37 0.575 0.729 0.885 1.048 1.206 1.356 1.519 1.697 38 0.626 0.807 0.995 1.176 1.350 1.516 1.698 1.897 39 0.691 0.912 1.119 1.317 1.506 1.698 1.895 2.105 40 0.756 1.006 1.232 1.454 1.652 1.850 2.060 2.292 41 0.819 1.094 1.357 1.594 1.804 2.009 2.228 2.469 42 0.896 1.212 1.501 1.761 1.989 2.213 2.448 2.709 43 0.955 1.299 1.612 1.886 2.134 2.371 2.616 2.894 44 1.013 1.381 1.713 2.013 2.269 2.522 2.785 3.066 45 1.072 1.460 1.817 2.143 2.416 2.686 2.957 3.242 46 1.125 1.537 1.921 2.279 2.585 2.864 3.145 3.460 47 1.177 1.626 2.042 2.433 2.776 3.069 3.372 3.715 48 1.225 1.723 2.181 2.602 2.992 3.327 3.656 4.020 49 1.276 1.827 2.326 2.787 3.231 3.612 3.978 4.374 50 1.325 1.939 2.477 2.983 3.471 3.899 4.312 4.743 51 1.407 2.096 2.701 3.257 3.786 4.276 4.740 5.194 52 1.492 2.267 2.934 3.532 4.098 4.635 5.126 5.590 53 1.585 2.440 3.163 3.799 4.403 4.945 5.438 5.931 54 1.691 2.615 3.393 4.068 4.685 5.205 5.709 6.255 55 1.799 2.808 3.648 4.345 4.952 5.468 5.995 6.568 56 1.931 3.025 3.924 4.634 5.237 5.765 6.310 6.912 57 2.093 3.278 4.226 4.965 5.573 6.118 6.687 7.311 58 2.282 3.567 4.587 5.372 5.991 6.565 7.155 7.792 59 2.495 3.899 5.014 5.841 6.499 7.104 7.712 8.342 60 2.731 4.275 5.477 6.355 7.080 7.707 8.322 8.946 61 3.010 4.667 5.954 6.904 7.689 8.334 8.958 9.592 62 3.319 5.057 6.424 7.473 8.282 8.958 9.602 10.267 63 3.656 5.503 6.942 8.043 8.852 9.545 10.213 10.911 64 4.028 6.024 7.516 8.611 9.418 10.120 10.800 11.536 65 4.434 6.556 8.099 9.169 9.996 10.712 11.418 12.221 66 4.860 7.051 8.632 9.711 10.586 11.353 12.129 13.082 67 5.319 7.461 9.056 10.222 11.205 12.081 13.021 14.137 68 5.801 7.801 9.392 10.696 11.851 12.954 14.114 15.545 69 6.310 8.113 9.692 11.140 12.550 13.940 15.492 17.232 70 6.833 8.381 9.949 11.567 13.264 15.099 17.052 19.146 71 7.318 8.964 10.634 12.345 14.226 16.190 18.274 20.443 72 7.827 9.576 11.343 13.237 15.250 17.345 19.517 21.818 73 8.346 10.196 12.141 14.163 16.307 18.498 20.796 23.233 74 8.740 10.732 12.771 14.890 17.110 19.395 21.790 24.317 75 9.029 11.081 13.183 15.346 17.619 19.957 22.399 24.982 76 9.214 11.302 13.430 15.624 17.924 20.283 22.751 25.354 77 9.385 11.504 13.662 15.881 18.200 20.582 23.069 25.685 78 9.747 11.941 14.170 16.455 18.846 21.297 23.848 26.532 79 10.357 12.679 15.030 17.442 19.962 22.537 25.217 28.034 80 10.949 13.388 15.861 18.393 21.030 23.725 26.527 29.468 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------ ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.641 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.632 0.626 22 8 0.371 0.436 0.488 0.527 0.538 0.623 0.618 0.613 23 9 0.438 0.491 0.530 0.541 0.615 0.609 0.605 0.605 24 10 0.493 0.532 0.543 0.605 0.601 0.597 0.598 0.592 25 11 0.535 0.546 0.596 0.592 0.588 0.590 0.585 0.585 26 12 0.549 0.587 0.583 0.580 0.582 0.578 0.578 0.568 27 13 0.590 0.574 0.572 0.574 0.570 0.571 0.562 0.592 28 14 0.577 0.563 0.566 0.563 0.564 0.555 0.586 0.612 29 15 0.566 0.553 0.555 0.557 0.549 0.580 0.606 0.638 30 16 0.556 0.547 0.544 0.542 0.574 0.600 0.633 0.664 31 17 0.551 0.541 0.539 0.570 0.597 0.629 0.660 0.672 32 18 0.541 0.537 0.537 0.574 0.611 0.647 0.670 0.674 33 19 0.521 0.526 0.531 0.579 0.620 0.659 0.674 0.685 34 20 0.506 0.521 0.532 0.583 0.622 0.660 0.687 0.703 35 21 0.532 0.559 0.581 0.622 0.658 0.693 0.730 0.751 36 22 0.543 0.576 0.607 0.640 0.683 0.729 0.778 0.813 37 23 0.566 0.604 0.637 0.670 0.722 0.778 0.823 0.900 38 24 0.600 0.639 0.687 0.720 0.786 0.853 0.933 1.022 39 25 0.643 0.686 0.742 0.796 0.874 0.975 1.064 1.167 40 26 0.677 0.729 0.794 0.867 0.968 1.084 1.193 1.298 41 27 0.741 0.803 0.875 0.974 1.089 1.219 1.338 1.439 42 28 0.813 0.884 0.975 1.085 1.210 1.354 1.479 1.612 43 29 0.898 1.000 1.102 1.215 1.350 1.495 1.646 1.806 44 30 1.017 1.131 1.243 1.366 1.501 1.667 1.835 2.024 45 31 1.132 1.256 1.380 1.512 1.669 1.856 2.042 2.251 46 32 1.231 1.369 1.499 1.655 1.830 2.030 2.231 2.470 47 33 1.329 1.477 1.636 1.815 2.023 2.253 2.496 2.755 48 34 1.429 1.591 1.778 1.985 2.228 2.505 2.770 3.092 49 35 1.568 1.739 1.945 2.171 2.447 2.741 3.036 3.405 50 36 1.715 1.899 2.119 2.371 2.667 2.996 3.327 3.703 51 37 1.881 2.072 2.312 2.574 2.894 3.259 3.620 3.978 52 38 2.092 2.307 2.545 2.822 3.156 3.539 3.931 4.310 53 39 2.331 2.552 2.809 3.108 3.465 3.882 4.363 4.783 54 40 2.525 2.773 3.040 3.344 3.716 4.189 4.737 5.227 55 41 2.729 2.999 3.288 3.623 4.055 4.596 5.226 5.867 56 42 2.997 3.291 3.611 4.009 4.490 5.079 5.788 6.577 57 43 3.185 3.520 3.913 4.382 4.926 5.586 6.386 7.270 58 44 3.360 3.763 4.237 4.780 5.409 6.153 6.983 7.960 59 45 3.563 4.026 4.578 5.209 5.937 6.725 7.606 8.651 60 46 3.809 4.304 4.936 5.664 6.460 7.310 8.274 9.411 61 47 4.118 4.623 5.308 6.064 6.901 7.814 8.861 10.023 62 48 4.476 4.981 5.667 6.444 7.339 8.349 9.483 10.713 63 49 4.855 5.340 6.019 6.825 7.799 8.900 10.130 11.466 64 50 5.202 5.678 6.388 7.280 8.361 9.599 11.006 12.536 65 51 5.640 6.141 6.908 7.869 9.037 10.410 11.973 13.666 66 52 6.058 6.618 7.444 8.479 9.754 11.258 12.968 14.817 67 53 6.470 7.076 7.983 9.116 10.499 12.114 13.972 15.995 68 54 6.859 7.529 8.529 9.782 11.264 12.987 14.984 17.118 69 55 7.249 7.990 9.102 10.470 12.062 13.900 16.047 18.253 70 56 7.643 8.474 9.698 11.188 12.902 14.870 17.169 19.598 71 57 8.056 8.988 10.327 11.945 13.798 15.909 18.379 21.075 72 58 8.521 9.541 10.988 12.733 14.734 17.022 19.687 22.747 73 59 9.075 10.142 11.683 13.539 15.708 18.202 21.228 24.536 74 60 9.702 10.793 12.413 14.384 16.725 19.571 22.867 26.615 75 61 10.380 11.486 13.240 15.395 18.117 21.350 25.217 29.555 76 62 11.088 12.232 14.128 16.575 19.616 23.385 27.772 32.762 77 63 11.783 12.982 15.173 17.950 21.567 25.959 31.072 36.797 78 64 12.481 13.811 16.207 19.380 23.424 28.329 33.815 40.296 79 65 13.314 14.742 17.523 21.126 25.717 31.127 37.382 44.767 80 66 14.303 15.935 18.992 22.942 27.809 33.696 40.528 48.383 81 67 15.615 17.396 20.819 25.082 30.451 36.957 44.574 53.258 82 68 17.246 19.180 22.809 27.360 33.052 39.946 48.134 57.370 83 69 19.174 21.184 25.199 30.130 36.241 43.687 52.676 63.100 84 70 21.279 23.436 27.870 33.165 39.691 47.664 57.457 69.341 85 71 22.706 24.991 29.905 35.796 43.056 51.926 62.845 76.114 86 72 24.217 26.622 32.184 38.865 47.095 57.183 69.616 84.755 87 73 25.759 28.300 34.559 42.077 51.359 62.742 76.803 95.459 88 74 26.944 29.582 36.344 44.483 54.535 66.871 83.384 104.008 89 75 27.662 30.338 37.510 46.145 56.807 70.954 88.817 111.154 90 76 28.046 30.738 37.975 46.681 58.261 72.779 91.112 114.027 91 77 28.391 31.091 38.383 47.809 59.678 74.558 93.340 116.825 92 78 29.304 32.068 40.094 49.947 62.354 77.902 97.535 122.289 93 79 30.940 34.273 42.857 53.395 66.659 83.288 104.514 131.041 94 80 32.905 36.454 45.590 56.801 70.917 88.853 111.498 139.__1 95
NON-SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.213 15 0.693 0.830 0.954 1.055 1.124 1.162 1.204 1.144 16 0.840 0.963 1.021 1.078 1.113 1.181 1.138 1.091 17 0.966 1.023 1.048 1.072 1.157 1.112 1.073 1.034 18 0.966 1.011 1.034 1.105 1.100 1.039 0.999 0.963 19 0.924 0.979 1.047 1.033 1.013 0.952 0.917 0.882 20 0.861 0.967 0.975 0.955 0.924 0.850 0.835 0.805 21 0.800 0.881 0.913 0.902 0.874 0.819 0.836 0.826 22 0.699 0.780 0.819 0.803 0.779 0.749 0.742 0.737 23 0.621 0.686 0.727 0.713 0.703 0.672 0.669 0.664 24 0.538 0.595 0.633 0.641 0.629 0.612 0.601 0.609 25 0.480 0.525 0.572 0.578 0.585 0.568 0.570 0.585 26 0.444 0.490 0.528 0.543 0.557 0.559 0.569 0.581 27 0.432 0.464 0.503 0.525 0.549 0.566 0.579 0.598 28 0.431 0.463 0.494 0.525 0.556 0.577 0.597 0.635 29 0.444 0.469 0.502 0.541 0.577 0.605 0.645 0.680 30 0.452 0.485 0.525 0.557 0.598 0.646 0.677 0.732 31 0.456 0.502 0.535 0.578 0.627 0.671 0.722 0.784 32 0.462 0.508 0.552 0.602 0.648 0.706 0.773 0.847 33 0.452 0.509 0.566 0.619 0.684 0.751 0.830 0.909 34 0.432 0.506 0.566 0.637 0.713 0.791 0.873 0.962 35 0.435 0.515 0.594 0.682 0.766 0.854 0.944 1.046 36 0.438 0.544 0.640 0.742 0.843 0.939 1.049 1.163 37 0.464 0.580 0.697 0.816 0.930 1.042 1.163 1.290 38 0.497 0.634 0.772 0.905 1.034 1.158 1.287 1.440 39 0.541 0.706 0.858 1.007 1.147 1.284 1.434 1.610 40 0.595 0.784 0.957 1.126 1.270 1.423 1.602 1.797 41 0.650 0.865 1.068 1.246 1.412 1.588 1.777 1.986 42 0.706 0.952 1.170 1.374 1.569 1.760 1.964 2.192 43 0.763 1.031 1.280 1.513 1.727 1.935 2.154 2.402 44 0.818 1.116 1.399 1.658 1.885 2.114 2.352 2.615 45 0.883 1.214 1.524 1.813 2.061 2.310 2.568 2.860 46 0.953 1.313 1.655 1.981 2.265 2.534 2.826 3.149 47 1.025 1.428 1.809 2.172 2.503 2.811 3.128 3.491 48 1.097 1.556 1.986 2.392 2.794 3.146 3.504 3.921 49 1.176 1.697 2.182 2.654 3.117 3.531 3.959 4.431 50 1.256 1.856 2.408 2.937 3.463 3.960 4.459 4.993 51 1.343 2.033 2.653 3.241 3.836 4.410 4.977 5.550 52 1.444 2.221 2.912 3.569 4.216 4.855 5.464 6.116 53 1.549 2.416 3.188 3.898 4.600 5.257 5.934 6.644 54 1.670 2.629 3.473 4.239 4.969 5.666 6.380 7.148 55 1.804 2.867 3.792 4.596 5.377 6.094 6.833 7.656 56 1.967 3.137 4.140 5.019 5.823 6.554 7.337 8.227 57 2.165 3.450 4.566 5.505 6.319 7.096 7.939 8.889 58 2.396 3.844 5.074 6.076 6.930 7.774 8.678 9.672 59 2.681 4.302 5.657 6.740 7.677 8.593 9.547 10.576 60 3.005 4.811 6.304 7.487 8.542 9.517 10.524 11.599 61 3.379 5.358 6.996 8.310 9.471 10.513 11.585 12.767 62 3.800 5.928 7.712 9.182 10.421 11.555 12.742 14.035 63 4.274 6.589 8.508 10.094 11.390 12.627 13.913 15.345 64 4.811 7.364 9.409 11.051 12.420 13.737 15.128 16.702 65 5.406 8.187 10.368 12.056 13.520 14.942 16.455 18.248 66 6.053 9.004 11.315 13.089 14.708 16.287 18.018 20.021 67 6.774 9.750 12.162 14.145 16.001 17.857 19.836 22.212 68 7.558 10.439 12.943 15.205 17.427 19.644 22.086 24.910 69 8.414 11.135 13.714 16.299 18.945 21.725 24.737 28.175 70 9.340 11.805 14.482 17.381 20.588 24.024 27.796 31.971 71 10.262 12.982 15.906 19.083 22.555 26.310 30.438 35.000 72 11.279 14.258 17.463 20.912 24.708 28.817 33.330 38.306 73 12.370 15.635 19.113 22.876 27.024 31.509 36.420 41.866 74 13.348 16.835 20.566 24.613 29.071 33.881 39.167 45.015 75 14.114 17.790 21.735 26.008 30.701 35.781 41.359 47.510 76 14.748 18.587 22.704 27.154 32.055 37.357 43.156 49.559 77 15.395 19.397 23.684 28.329 33.436 38.944 44.978 51.632 78 16.394 20.649 25.213 30.153 35.568 41.417 47.817 54.873 79 17.865 22.502 27.472 32.835 38.722 45.074 52.021 59.671 80 19.383 24.410 29.784 35.589 41.955 48.820 56.319 64.579 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------- ------- ------- ------- -------- 0 0.298 0.284 0.288 0._02 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.224 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.235 1.178 22 8 0.842 0.998 1.138 1.250 1.299 1.251 1.191 1.145 23 9 1.001 1.139 1.248 1.294 1.270 1.207 1.159 1.122 24 10 1.139 1.246 1.291 1.291 1.225 1.176 1.137 1.081 25 11 1.223 1.262 1.282 1.214 1.162 1.120 1.062 1.016 26 12 1.231 1.270 1.198 1.143 1.098 1.038 0.990 0.930 27 13 1.236 1.183 1.124 1.076 1.013 0.962 0.900 0.880 28 14 1.157 1.116 1.065 0.999 0.946 0.883 0.861 0.834 29 15 1.099 1.055 0.995 0.939 0.872 0.848 0.819 0.785 30 16 1.044 1.001 0.933 0.872 0.847 0.817 0.781 0.750 31 17 0.989 0.946 0.883 0.857 0.826 0.789 0.758 0.711 32 18 0.928 0.898 0.823 0.809 0.781 0.756 0.720 0.662 33 19 0.862 0.829 0.770 0.761 0.745 0.728 0.682 0.638 34 20 0.784 0.773 0.713 0.715 0.701 0.680 0.651 0.620 35 21 0.837 0.843 0.789 0.767 0.729 0.693 0.666 0.611 36 22 0.747 0.767 0.737 0.703 0.683 0.669 0.643 0.612 37 23 0.678 0.707 0.683 0.662 0.666 0.655 0.641 0.647 38 24 0.631 0.652 0.653 0.643 0.649 0.658 0.673 0.690 39 25 0.602 0.629 0.646 0.645 0.669 0.703 0.725 0.750 40 26 0.604 0.644 0.656 0.679 0.718 0.764 0.797 0.825 41 27 0.634 0.670 0.695 0.736 0.785 0.838 0.879 0.909 42 28 0.668 0.718 0.754 0.802 0.854 0.916 0.964 1.012 43 29 0.727 0.799 0.841 0.886 0.942 1.004 1.066 1.123 44 30 0.799 0.880 0.925 0.975 1.034 1.108 1.174 1.256 45 31 0.869 0.953 1.006 1.064 1.136 1.217 1.302 1.408 46 32 0.936 1.032 1.093 1.169 1.248 1.349 1.458 1.585 47 33 1.004 1.112 1.192 1.275 1.382 1.512 1.642 1.778 48 34 1.063 1.179 1.273 1.384 1.528 1.687 1.831 2.008 49 35 1.162 1.280 1.398 1.539 1.707 1.883 2.054 2.267 50 36 1.283 1.422 1.564 1.723 1.908 2.112 2.308 2.535 51 37 1.431 1.593 1.750 1.918 2.124 2.356 2.582 2.816 52 38 1.604 1.784 1.943 2.130 2.353 2.612 2.889 3.148 53 39 1.798 1.985 2.158 2.358 2.601 2.902 3.240 3.530 54 40 1.997 2.212 2.394 2.607 2.885 3.230 3.631 4.003 55 41 2.214 2.452 2.652 2.899 3.212 3.607 4.082 4.562 56 42 2.444 2.711 2.951 3.241 3.595 4.047 4.591 5.194 57 43 2.669 2.996 3.285 3.630 4.047 4.551 5.162 5.828 58 44 2.910 3.302 3.657 4.076 4.560 5.127 5.750 6.533 59 45 3.183 3.645 4.081 4.575 5.137 5.729 6.436 7.270 60 46 3.513 4.040 4.549 5.123 5.734 6.422 7.194 8.066 61 47 3.939 4.503 5.075 5.690 6.409 7.184 8.032 8.959 62 48 4.445 5.036 5.623 6.330 7.136 8.005 8.968 9.999 63 49 5.008 5.605 6.255 7.021 7.912 8.906 10.008 11.187 64 50 5.573 6.244 6.928 7.757 8.754 9.884 11.151 12.486 65 51 6.187 6.915 7.661 8.597 9.736 11.063 12.541 14.118 66 52 6.804 7.600 8.465 9.556 10.898 12.462 14.227 16.127 67 53 7.412 8.290 9.292 10.547 12.065 13.834 15.868 18.209 68 54 8.016 9.006 10.194 11.670 13.420 15.464 17.960 20.681 69 55 8.650 9.764 11.133 12.823 14.803 17.207 20.062 23.097 70 56 9.317 10.571 12.148 14.081 16.415 19.147 22.422 25.989 71 57 10.024 11.453 13.228 15.465 18.077 21.138 24.796 28.940 72 58 10.831 12.433 14.470 16.968 19.908 23.353 27.489 31.886 73 59 11.795 13.581 15.867 18.689 22.063 26.077 30.624 35.649 74 60 12.952 14.860 17.369 20.480 24.289 28.650 33.749 39.279 75 61 14.241 16.285 19.076 22.589 26.780 31.798 37.531 43.902 76 62 15.657 17.872 20.943 24.686 29.357 34.881 41.239 48.400 77 63 17.138 19.581 22.900 27.111 32.335 38.593 45.780 54.076 78 64 18.730 21.330 25.041 29.714 35.601 42.655 50.743 60.247 79 65 20.468 23.351 27.431 32.655 39.235 47.135 56.180 66.804 80 66 22.565 25.718 30.250 36.051 43.337 52.073 62.140 73.647 81 67 25.110 28.617 33.645 40.021 47.982 57.555 68.667 81.154 82 68 28.283 32.189 37.746 44.661 53.267 63.621 75.767 89.290 83 69 32.098 36.452 42.554 50.004 59.189 70.249 83.462 98.596 84 70 36.524 41.356 48.068 56.020 65.721 77.465 91.770 108.940 85 71 39.967 45.262 52.729 61.552 72.339 85.394 101.303 120.401 86 72 43.750 49.532 57.951 67.935 80.133 94.917 112.935 134.593 87 73 47.806 54.092 63.583 74.833 88.591 105.256 125.608 151.042 88 74 51.371 58.116 68.447 80.703 95.690 113.857 136.820 164.781 89 75 54.206 61.295 72.344 85.447 101.465 121.536 146.294 176.507 90 76 56.521 63.893 75.377 88.996 106.153 127.161 153.124 184.783 91 77 58.865 66.514 78.442 92.979 110.914 132.916 160.085 193.221 92 78 62.532 70.634 83.586 99.084 118.243 141.727 170.729 204.369 93 79 67.977 77.008 91.136 108.078 128.999 154.650 184.854 221.277 94 80 73.746 83.550 98.918 117.329 140.069 166.704 199.263 238.501 95
NON-SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.591 15 0.317 0.382 0.442 0.492 0.527 0.548 0.594 0.567 16 0.384 0.444 0.475 0.506 0.527 0.587 0.570 0.547 17 0.451 0.482 0.498 0.514 0.583 0.566 0.547 0.529 18 0.460 0.486 0.502 0.564 0.567 0.538 0.520 0.507 19 0.449 0.480 0.540 0.538 0.530 0.501 0.488 0.475 20 0.426 0.504 0.513 0.506 0.492 0.459 0.456 0.442 21 0.445 0.489 0.502 0.492 0.476 0.444 0.449 0.445 22 0.425 0.470 0.490 0.480 0.464 0.442 0.439 0.434 23 0.415 0.456 0.482 0.472 0.461 0.442 0.437 0.436 24 0.398 0.440 0.467 0.468 0.461 0.446 0.440 0.444 25 0.387 0.423 0.457 0.462 0.465 0.454 0.454 0.464 26 0.369 0.404 0.436 0.446 0.459 0.459 0.464 0.476 27 0.369 0.397 0.427 0.448 0.466 0.478 0.491 0.507 28 0.375 0.401 0.429 0.454 0.478 0.498 0.516 0.545 29 0.387 0.410 0.437 0.468 0.500 0.524 0.556 0.592 30 0.402 0.430 0.462 0.491 0.528 0.566 0.599 0.646 31 0.411 0.449 0.480 0.518 0.558 0.602 0.646 0.702 32 0.413 0.455 0.494 0.535 0.580 0.630 0.690 0.755 33 0.404 0.455 0.502 0.553 0.609 0.669 0.738 0.807 34 0.391 0.454 0.512 0.574 0.643 0.712 0.785 0.861 35 0.391 0.466 0.535 0.614 0.689 0.767 0.845 0.932 36 0.391 0.482 0.568 0.657 0.745 0.828 0.920 1.015 37 0.405 0.507 0.607 0.710 0.806 0.899 0.999 1.107 38 0.435 0.553 0.674 0.787 0.895 0.997 1.108 1.233 39 0.474 0.617 0.748 0.873 0.991 1.108 1.232 1.374 40 0.512 0.672 0.817 0.957 1.078 1.202 1.345 1.502 41 0.548 0.726 0.893 1.040 1.172 1.311 1.460 1.624 42 0.594 0.797 0.979 1.144 1.298 1.450 1.610 1.789 43 0.628 0.848 1.048 1.231 1.399 1.560 1.728 1.920 44 0.661 0.897 1.118 1.319 1.493 1.666 1.847 2.050 45 0.697 0.953 1.191 1.410 1.596 1.781 1.977 2.195 46 0.734 1.007 1.264 1.505 1.715 1.915 2.129 2.373 47 0.771 1.070 1.349 1.613 1.856 2.078 2.312 2.580 48 0.806 1.138 1.447 1.740 2.026 2.281 2.539 2.840 49 0.843 1.212 1.556 1.887 2.215 2.508 2.811 3.145 50 0.879 1.296 1.677 2.045 2.410 2.754 3.100 3.472 51 0.941 1.419 1.852 2.262 2.675 3.074 3.469 3.871 52 1.010 1.554 2.037 2.496 2.947 3.393 3.821 4.264 53 1.087 1.694 2.235 2.731 3.223 3.686 4.148 4.633 54 1.174 1.848 2.440 2.977 3.492 3.971 4.461 4.983 55 1.271 2.019 2.670 3.238 3.778 4.272 4.776 5.337 56 1.389 2.214 2.925 3.535 4.092 4.593 5.127 5.731 57 1.532 2.444 3.224 3.879 4.439 4.971 5.545 6.188 58 1.701 2.721 3.584 4.279 4.868 5.443 6.056 6.735 59 1.903 3.046 3.994 4.746 5.389 6.012 6.665 7.367 60 2.134 3.405 4.450 5.269 5.992 6.661 7.350 8.077 61 2.398 3.792 4.936 5.843 6.646 7.360 8.088 8.857 62 2.697 4.193 5.437 6.459 7.315 8.087 8.866 9.700 63 3.031 4.657 6.000 7.103 7.992 8.813 9.650 10.554 64 3.409 5.207 6.638 7.774 8.695 9.562 10.447 11.431 65 3.832 5.790 7.312 8.466 9.444 10.361 11.313 12.413 66 4.292 6.366 7.970 9.175 10.240 11.249 12.319 13.628 67 4.802 6.888 8.556 9.888 11.102 12.271 13.564 15.114 68 5.356 7.370 9.085 10.598 12.036 13.494 15.089 16.953 69 5.962 7.847 9.603 11.315 13.074 14.903 16.894 19.180 70 6.609 8.304 10.104 12.049 14.181 16.466 18.980 21.757 71 7.251 9.104 11.077 13.198 15.514 18.020 20.766 23.728 72 7.950 9.975 12.127 14.436 16.975 19.710 22.653 25.879 73 8.694 10.901 13.240 15.764 18.531 21.470 24.667 28.175 74 9.344 11.704 14.215 16.920 19.859 23.006 26.425 30.166 75 9.847 12.334 14.980 17.812 20.899 24.202 27.787 31.715 76 10.256 12.843 15.588 18.532 21.737 25.161 28.882 32.959 77 10.664 13.352 16.205 19.259 22.577 26.129 29.989 34.212 78 11.314 14.164 17.184 20.412 23.924 27.685 31.764 36.230 79 12.285 15.376 18.645 22.142 25.949 30.018 34.435 39.272 80 13.278 16.608 20.136 23.910 28.012 32.398 37.161 42.376 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------- ------- -------- 0 0.150 0.137 0.132 0.__2 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.502 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.516 0.482 22 8 0.371 0.436 0.488 0.527 0.538 0.530 0.495 0.463 23 9 0.438 0.491 0.530 0.541 0.543 0.508 0.476 0.450 24 10 0.493 0.532 0.543 0.557 0.521 0.489 0.462 0.432 25 11 0.535 0.546 0.571 0.535 0.502 0.475 0.445 0.420 26 12 0.549 0.585 0.548 0.515 0.488 0.457 0.432 0.399 27 13 0.588 0.562 0.528 0.501 0.470 0.444 0.410 0.404 28 14 0.564 0.541 0.514 0.482 0.457 0.422 0.417 0.405 29 15 0.544 0.522 0.495 0.469 0.434 0.429 0.418 0.408 30 16 0.525 0.508 0.477 0.447 0.442 0.431 0.421 0.410 31 17 0.512 0.494 0.462 0.457 0.446 0.436 0.424 0.403 32 18 0.494 0.479 0.448 0.446 0.440 0.433 0.418 0.395 33 19 0.465 0.457 0.430 0.434 0.432 0.428 0.411 0.394 34 20 0.439 0.439 0.415 0.423 0.421 0.419 0.412 0.399 35 21 0.448 0.454 0.438 0.438 0.435 0.432 0.432 0.421 36 22 0.441 0.452 0.445 0.440 0.443 0.449 0.454 0.450 37 23 0.444 0.461 0.456 0.452 0.463 0.472 0.474 0.491 38 24 0.458 0.476 0.483 0.480 0.497 0.511 0.530 0.551 39 25 0.479 0.502 0.515 0.524 0.545 0.577 0.597 0.621 40 26 0.496 0.526 0.544 0.563 0.596 0.633 0.661 0.683 41 27 0.535 0.572 0.591 0.624 0.662 0.703 0.733 0.751 42 28 0.580 0.622 0.651 0.686 0.726 0.772 0.803 0.834 43 29 0.632 0.695 0.726 0.759 0.801 0.845 0.887 0.927 44 30 0.706 0.776 0.809 0.843 0.883 0.934 0.980 1.034 45 31 0.776 0.851 0.887 0.925 0.974 1.032 1.087 1.155 46 32 0.834 0.916 0.955 1.005 1.059 1.124 1.192 1.272 47 33 0.889 0.980 1.034 1.094 1.166 1.253 1.339 1.425 48 34 0.948 1.046 1.115 1.191 1.290 1.399 1.492 1.606 49 35 1.031 1.135 1.215 1.308 1.422 1.537 1.642 1.776 50 36 1.119 1.235 1.328 1.434 1.556 1.686 1.806 1.947 51 37 1.222 1.352 1.456 1.563 1.695 1.842 1.982 2.118 52 38 1.365 1.512 1.608 1.721 1.857 2.017 2.179 2.324 53 39 1.527 1.679 1.783 1.903 2.055 2.239 2.449 2.612 54 40 1.661 1.832 1.937 2.064 2.231 2.448 2.693 2.904 55 41 1.803 1.989 2.113 2.264 2.466 2.720 3.022 3.317 56 42 1.988 2.201 2.349 2.537 2.765 3.058 3.407 3.785 57 43 2.130 2.383 2.578 2.809 3.087 3.422 3.826 4.261 58 44 2.275 2.580 2.827 3.117 3.449 3.837 4.261 4.775 59 45 2.443 2.796 3.108 3.457 3.854 4.271 4.750 5.315 60 46 2.645 3.041 3.410 3.827 4.270 4.751 5.291 5.895 61 47 2.909 3.324 3.733 4.172 4.669 5.202 5.778 6.404 62 48 3.218 3.646 4.058 4.538 5.085 5.667 6.307 6.984 63 49 3.554 3.980 4.412 4.922 5.510 6.161 6.875 7.631 64 50 3.878 4.332 4.795 5.353 6.024 6.781 7.626 8.520 65 51 4.303 4.798 5.287 5.902 6.645 7.507 8.471 9.491 66 52 4.733 5.272 5.811 6.489 7.321 8.292 9.375 10.518 67 53 5.154 5.749 6.359 7.122 8.048 9.117 10.325 11.613 68 54 5.573 6.242 6.936 7.804 8.823 9.990 11.325 12.718 69 55 6.010 6.762 7.558 8.536 9.658 10.935 12.411 13.883 70 56 6.469 7.324 8.229 9.323 10.565 11.971 13.595 15.269 71 57 6.963 7.938 8.957 10.180 11.562 13.112 14.907 16.831 72 58 7.526 8.613 9.747 11.105 12.640 14.371 16.367 18.632 73 59 8.193 9.364 10.605 12.089 13.803 15.752 18.101 20.626 74 60 8.958 10.197 11.535 13.155 15.065 17.371 20.012 22.823 75 61 9.807 11.110 12.604 14.434 16.737 19.449 22.511 25.867 76 62 10.725 12.120 13.786 15.937 18.599 21.730 25.304 29.273 77 63 11.676 13.185 15.185 17.714 20.859 24.620 28.902 33.584 78 64 12.676 14.387 16.647 19.509 23.123 27.429 32.128 37.584 79 65 13.869 15.761 18.360 21.706 25.917 30.785 36.296 42.689 80 66 15.292 17.378 20.310 24.064 28.626 34.056 40.232 47.195 81 67 17.028 19.363 22.729 26.873 32.033 38.188 45.263 53.163 82 68 19.195 21.794 25.436 29.957 35.548 42.224 50.020 58.642 83 69 21.788 24.588 28.717 33.729 39.871 47.255 56.053 66.089 84 70 24.699 27.798 32.472 37.977 44.687 52.795 62.647 74.455 85 71 26.933 30.306 35.642 41.947 49.639 58.933 70.248 83.842 86 72 29.368 33.025 39.254 46.637 55.634 66.533 79.830 95.836 87 73 31.955 35.926 43.162 51.735 62.199 74.891 90.407 109.898 88 74 34.206 38.455 46.509 56.070 67.754 81.936 99.933 121.931 89 75 35.959 40.409 49.210 59.671 72.449 88.515 108.392 132.742 90 76 37.357 41.973 51.109 61.964 75.650 92.454 113.271 138.758 91 77 38.768 43.555 53.029 64.613 78.907 96.483 118.243 144.922 92 78 41.051 46.115 56.397 68.737 83.986 102.725 125.955 153.207 93 79 44.493 50.179 61.386 74.856 91.490 111.958 136.308 165.782 94 80 48.175 54.349 66.521 81.142 99.222 120.624 146.844 178.597 95
SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.891 15 0.693 0.830 0.954 1.055 1.124 1.162 1.878 1.811 16 0.840 0.963 1.021 1.078 1.113 1.841 1.802 1.752 17 0.966 1.023 1.048 1.072 1.803 1.760 1.723 1.687 18 0.966 1.011 1.034 1.723 1.742 1.670 1.631 1.605 19 0.924 0.979 1.633 1.635 1.627 1.554 1.528 1.498 20 0.861 1.508 1.544 1.534 1.508 1.416 1.416 1.399 21 1.247 1.396 1.467 1.471 1.457 1.389 1.453 1.473 22 1.107 1.253 1.336 1.338 1.322 1.302 1.323 1.354 23 0.997 1.120 1.211 1.210 1.222 1.198 1.229 1.277 24 0.879 0.992 1.075 1.113 1.121 1.123 1.156 1.206 25 0.799 0.892 0.994 1.030 1.073 1.093 1.129 1.184 26 0.753 0.852 0.941 0.998 1.071 1.108 1.150 1.206 27 0.752 0.828 0.924 1.010 1.087 1.144 1.203 1.268 28 0.768 0.850 0.949 1.041 1.125 1.199 1.268 1.356 29 0.815 0.902 0.995 1.094 1.198 1.284 1.376 1.481 30 0.868 0.962 1.062 1.156 1.270 1.379 1.475 1.608 31 0.904 1.016 1.111 1.227 1.338 1.461 1.586 1.749 32 0.934 1.054 1.172 1.285 1.411 1.550 1.725 1.911 33 0.938 1.080 1.208 1.349 1.503 1.676 1.873 2.080 34 0.917 1.080 1.233 1.400 1.592 1.785 1.998 2.228 35 0.929 1.122 1.306 1.522 1.728 1.954 2.185 2.442 36 0.955 1.194 1.428 1.674 1.928 2.175 2.449 2.735 37 1.020 1.296 1.571 1.866 2.153 2.433 2.735 3.065 38 1.110 1.429 1.766 2.095 2.415 2.723 3.058 3.440 39 1.221 1.615 1.988 2.351 2.698 3.051 3.427 3.829 40 1.361 1.816 2.236 2.648 3.019 3.401 3.810 4.256 41 1.504 2.020 2.513 2.961 3.373 3.777 4.208 4.685 42 1.649 2.239 2.782 3.284 3.730 4.169 4.633 5.152 43 1.795 2.449 3.060 3.598 4.092 4.566 5.062 5.610 44 1.943 2.667 3.328 3.927 4.448 4.967 5.494 6.061 45 2.109 2.887 3.611 4.277 4.844 5.395 5.953 6.538 46 2.267 3.110 3.904 4.655 5.291 5.873 6.461 7.118 47 2.427 3.369 4.251 5.073 5.801 6.426 7.070 7.789 48 2.588 3.657 4.639 5.544 6.387 7.112 7.817 8.603 49 2.763 3.963 5.057 6.069 7.046 7.879 8.685 9.551 50 2.934 4.301 5.506 6.639 7.727 8.687 9.610 10.565 51 3.113 4.647 5.997 7.232 8.415 9.505 10.531 11.546 52 3.301 5.020 6.498 7.831 9.087 10.273 11.367 12.421 53 3.501 5.390 6.994 8.402 9.732 10.936 12.053 13.187 54 3.725 5.768 7.486 8.969 10.337 11.508 12.663 13.904 55 3.958 6.180 8.022 9.561 10.921 12.096 13.292 14.600 56 4.239 6.637 8.613 10.194 11.557 12.750 13.991 15.379 57 4.580 7.178 9.273 10.927 12.293 13.531 14.841 16.273 58 4.983 7.807 10.071 11.819 13.216 14.533 15.885 17.341 59 5.446 8.538 11.004 12.853 14.350 15.731 17.118 18.563 60 5.965 9.358 12.022 13.995 15.638 17.063 18.471 19.919 61 6.573 10.217 13.079 15.212 16.981 18.451 19.894 21.430 62 7.247 11.081 14.118 16.463 18.290 19.843 21.388 23.025 63 7.990 12.062 15.254 17.717 19.560 21.196 22.824 24.589 64 8.806 13.204 16.514 18.978 20.848 22.536 24.241 26.126 65 9.693 14.368 17.805 20.237 22.180 23.944 25.739 27.847 66 10.624 15.462 18.993 21.471 23.569 25.477 27.497 29.792 67 11.633 16.366 19.952 22.666 25.030 27.250 29.518 32.204 68 12.686 17.125 20.741 23.784 26.595 29.232 32.021 35.406 69 13.803 17.843 21.452 24.873 28.191 31.498 35.159 39.235 70 14.966 18.467 22.100 25.864 29.850 34.146 38.706 43.607 71 16.052 19.811 23.669 27.668 32.058 36.637 41.516 46.735 72 17.212 21.216 25.320 29.723 34.407 39.305 44.505 50.054 73 18.408 22.668 27.166 31.856 36.860 42.074 47.590 53.512 74 19.353 23.928 28.639 33.571 38.818 44.272 50.062 56.243 75 20.060 24.774 29.646 34.728 40.117 45.734 51.675 58.006 76 20.537 25.352 30.316 35.483 40.972 46.674 52.690 59.092 77 20.998 25.901 30.948 36.209 41.775 47.547 53.629 60.0_1 78 21.891 26.982 32.227 37.674 43.426 49.384 55.642 62.283 79 23.344 28.762 34.324 40.089 46.171 52.450 59.046 66.022 80 24.774 30.498 36.364 42.435 48.820 55.412 62.314 69.611 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------- ------- ------- ------- ------- -------- 0 0.298 0.284 0.288 _.___ 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.949 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.958 1.904 22 8 0.842 0.998 1.138 1.250 1.299 1.976 1.917 1.878 23 9 1.001 1.139 1.248 1.294 2.000 1.937 1.894 1.869 24 10 1.139 1.246 1.291 2.025 1.960 1.915 1.888 1.840 25 11 1.223 1.262 2.006 1.934 1.884 1.852 1.800 1.760 26 12 1.231 1.981 1.903 1.848 1.810 1.753 1.709 1.651 27 13 1.927 1.874 1.811 1.767 1.704 1.654 1.591 1.601 28 14 1.831 1.793 1.744 1.676 1.622 1.555 1.562 1.563 29 15 1.766 1.722 1.664 1.603 1.530 1.533 1.529 1.540 30 16 1.703 1.668 1.588 1.525 1.526 1.520 1.527 1.518 31 17 1.648 1.606 1.540 1.539 1.532 1.538 1.527 1.468 32 18 1.575 1.561 1.473 1.495 1.515 1.517 1.481 1.404 33 19 1.497 1.479 1.419 1.471 1.490 1.493 1.440 1.382 34 20 1.398 1.419 1.376 1.426 1.432 1.431 1.406 1.351 35 21 1.536 1.620 1.569 1.561 1.528 1.491 1.445 1.360 36 22 1.436 1.520 1.496 1.469 1.464 1.447 1.425 1.372 37 23 1.344 1.431 1.423 1.414 1.434 1.446 1.432 1.475 38 24 1.276 1.354 1.389 1.382 1.428 1.466 1.528 1.590 39 25 1.251 1.336 1.382 1.414 1.484 1.591 1.663 1.753 40 26 1.281 1.374 1.435 1.503 1.619 1.747 1.855 1.951 41 27 1.353 1.460 1.533 1.654 1.789 1.943 2.071 2.168 42 28 1.455 1.576 1.689 1.820 1.973 2.149 2.289 2.430 43 29 1.597 1.784 1.903 2.039 2.203 2.377 2.550 2.724 44 30 1.784 1.984 2.123 2.272 2.437 2.641 2.837 3.065 45 31 1.960 2.181 2.336 2.501 2.698 2.931 3.164 3.419 46 32 2.142 2.389 2.561 2.768 2.996 3.266 3.526 3.832 47 33 2.326 2.597 2.811 3.050 3.336 3.644 3.957 4.283 48 34 2.482 2.773 3.035 3.328 3.670 4.049 4.395 4.819 49 35 2.733 3.043 3.352 3.683 4.084 4.502 4.911 5.408 50 36 3.049 3.398 3.731 4.107 4.546 5.029 5.484 5.999 51 37 3.419 3.787 4.157 4.555 5.042 5.576 6.087 6.574 52 38 3.814 4.226 4.599 5.038 5.550 6.135 6.720 7.265 53 39 4.258 4.683 5.088 5.543 6.089 6.724 7.449 8.043 54 40 4.712 5.199 5.610 6.081 6.660 7.399 8.241 8.966 55 41 5.204 5.728 6.167 6.672 7.334 8.155 9.108 10.040 56 42 5.709 6.282 6.769 7.374 8.100 8.998 10.064 11.220 57 43 6.186 6.851 7.449 8.152 8.966 9.941 11.109 12.378 58 44 6.655 7.463 8.185 9.000 9.924 10.994 12.167 13.548 59 45 7.196 8.132 8.982 9.923 10.975 12.078 13.296 14.733 60 46 7.838 8.864 9.835 10.910 12.046 13.218 14.523 16.020 61 47 8.642 9.705 10.772 11.913 13.146 14.450 15.893 17.444 62 48 9.581 10.656 11.735 12.939 14.303 15.782 17.394 19.085 63 49 10.596 11.661 12.744 14.025 15.543 17.212 19.029 20.910 64 50 11.595 12.682 13.794 15.187 16.858 18.725 20.764 22.858 65 51 12.566 13.725 14.951 16.500 18.379 20.524 22.872 25.301 66 52 13.505 14.784 16.193 17.978 20.147 22.644 25.399 28.277 67 53 14.418 15.809 17.425 19.433 21.846 24.607 27.717 31.208 68 54 15.286 16.835 18.720 21.059 23.787 26.913 30.664 34.640 69 55 16.169 17.875 20.024 22.651 25.672 29.271 33.476 37.790 70 56 17.055 18.953 21.389 24.336 27.826 31.833 36.546 41.508 71 57 17.973 20.102 22.787 26.126 29.948 34.327 39.452 45.093 72 58 19.010 21.350 24.366 28.015 32.217 37.020 42.669 48.446 73 59 20.255 22.797 26.112 30.141 34.853 40.330 46.353 52.774 74 60 21.741 24.378 27.921 32.243 37.431 43.205 49.771 57.003 75 61 23.362 26.096 29.933 34.695 40.244 46.722 54.259 62.422 76 62 25.089 27.956 32.061 36.971 42.984 50.244 58.413 67.405 77 63 26.808 29.882 34.184 39.560 46.413 54.465 63.513 73.727 78 64 28.583 31.740 36.420 42.506 50.065 58.961 68.920 80.381 79 65 30.458 33.856 39.112 45.766 54.043 63.786 74.670 87.184 80 66 32.716 36.553 42.258 49.490 58.439 68.958 80.789 93.952 81 67 35.690 39.851 46.035 53.785 63.317 74.555 87.266 101.167 82 68 39.385 43.905 50.562 58.735 68.757 80.558 94.092 108.706 83 69 43.780 48.674 55.781 64.327 74.683 86.921 101.224 117.144 84 70 48.770 54.040 61.634 70.444 81.032 93.607 108.620 126.252 85 71 52.225 57.853 66.089 75.634 87.105 100.703 116.956 136.020 86 72 55.921 61.887 70.977 81.525 94.166 109.183 127.100 148.131 87 73 59.729 66.042 76.053 87.641 101.548 118.025 137.717 163.289 88 74 62.720 69.296 79.899 92.193 106.922 124.377 147.352 174.924 89 75 64.633 71.325 82.372 95.152 110.450 130.412 154.709 183.930 90 76 65.770 72.522 83.664 96.548 113.505 133.984 158.957 188.956 91 77 66.815 73.594 84.821 99.083 116.454 137.476 163.079 193.844 92 78 69.188 76.136 88.781 103.681 121.868 143.849 170.629 203.027 93 79 73.273 81.536 95.052 111.014 130.471 153.994 182.942 217.662 94 80 78.083 86.866 101.274 118.265 138.984 164.377 195.263 232.279 95
SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.919 15 0.317 0.382 0.442 0.492 0.527 0.548 0.924 0.898 16 0.384 0.444 0.475 0.506 0.527 0.912 0.903 0._82 17 0.451 0.482 0.498 0.514 0.907 0.896 0.882 0.869 18 0.460 0.486 0.502 0.877 0.898 0.867 0.853 0.846 19 0.449 0.480 0.839 0.852 0.854 0.822 0.814 0.806 20 0.426 0.783 0.813 0.815 0.808 0.766 0.775 0.768 21 0.692 0.774 0.809 0.807 0.794 0.754 0.779 0.793 22 0.672 0.757 0.803 0.800 0.787 0.766 0.782 0.798 23 0.669 0.747 0.805 0.802 0.800 0.788 0.805 0.833 24 0.653 0.734 0.794 0.813 0.822 0.820 0.840 0.877 25 0.646 0.719 0.793 0.824 0.856 0.866 0.895 0.942 26 0.627 0.702 0.777 0.821 0.875 0.906 0.943 0.990 27 0.641 0.708 0.787 0.855 0.920 0.970 1.021 1.074 28 0.670 0.738 0.819 0.897 0.972 1.036 1.092 1.171 29 0.712 0.782 0.862 0.950 1.040 1.111 1.193 1.287 30 0.767 0.849 0.939 1.021 1.118 1.215 1.303 1.424 31 0.811 0.913 0.997 1.096 1.196 1.310 1.423 1.566 32 0.839 0.946 1.046 1.147 1.262 1.388 1.540 1.707 33 0.840 0.963 1.077 1.204 1.342 1.493 1.668 1.848 34 0.828 0.975 1.114 1.265 1.435 1.609 1.796 1.997 35 0.839 1.014 1.179 1.371 1.557 1.756 1.958 2.178 36 0.850 1.062 1.267 1.485 1.706 1.919 2.150 2.393 37 0.892 1.131 1.372 1.625 1.869 2.102 2.354 2.630 38 0.971 1.251 1.542 1.823 2.092 2.350 2.631 2.940 39 1.071 1.413 1.734 2.041 2.335 2.631 2.937 3.263 40 1.172 1.559 1.910 2.254 2.561 2.867 3.193 3.552 41 1.269 1.696 2.103 2.470 2.796 3.113 3.453 3.827 42 1.388 1.879 2.326 2.729 3.083 3.430 3.794 4.198 43 1.481 2.013 2.499 2.923 3.308 3.675 4.055 4.486 44 1.570 2.140 2.656 3.120 3.518 3.909 4.316 4.752 45 1.662 2.263 2.817 3.322 3.744 4.163 4.584 5.025 46 1.744 2.382 2.977 3.532 4.007 4.440 4.875 5.364 47 1.824 2.521 3.165 3.770 4.303 4.757 5.227 5.758 48 1.899 2.670 3.381 4.033 4.637 5.157 5.667 6.231 49 1.978 2.832 3.606 4.319 5.008 5.599 6.166 6.780 50 2.054 3.005 3.839 4.624 5.380 6.043 4.683 7.352 51 2.180 3.249 4.187 5.048 5.868 6.627 7.347 8.050 52 2.313 3.514 4.548 5.475 6.352 7.185 7.946 8.664 53 2.457 3.782 4.902 5.888 6.824 7.644 8.428 9.192 54 2.620 4.053 5.260 6.305 7.262 8.068 8.849 9.696 55 2.789 4.353 5.654 6.734 7.676 8.475 9.293 10.181 56 2.994 4.689 6.082 7.183 8.118 8.936 9.781 10.714 57 3.244 5.082 6.551 7.695 8.638 9.483 10.365 11.332 58 3.537 5.529 7.110 8.326 9.286 10.176 11.090 12.078 59 3.867 6.044 7.772 9.054 10.074 11.011 11.953 12.930 60 4.233 6.626 8.490 9.850 10.973 11.945 12.899 13.867 61 4.666 7.234 9.228 10.701 11.918 12.917 13.885 14.868 62 5.144 7.838 9.957 11.583 12.837 13.884 14.884 15.913 63 5.666 8.529 10.760 12.466 13.721 14.795 15.830 16.912 64 6.243 9.338 11.649 13.347 14.597 15.686 16.741 17.881 65 6.872 10.162 12.554 14.212 15.493 16.603 17.697 18.943 66 7.533 10.930 13.380 15.052 16.409 17.597 18.800 20.278 67 8.244 11.564 14.037 15.845 17.368 I8.726 20.183 21.913 68 8.991 12.091 14.558 16.579 18.369 20.079 21.877 24.095 69 9.780 12.575 15.022 17.267 19.453 21.607 24.012 26.710 70 10.590 12.990 15.420 17.929 20.560 23.403 26.431 29.677 71 11.343 13.894 16.483 19.134 22.050 25.094 28.325 31.687 72 12.132 14.842 17.581 20.517 23.638 26.885 30.251 33.817 73 12.936 15.804 18.819 21.952 25.277 28.671 32.234 36.011 74 13.548 16.634 19.796 23.080 26.520 30.063 33.775 37.692 75 13.995 17.176 20.433 23.786 27.310 30.933 34.719 38.723 76 14.282 17.518 20.817 24.217 27.782 31.438 35.263 39.299 77 14.546 17.830 21.176 24.615 28.210 31.902 35.757 39.812 78 15.108 18.509 21.964 25.505 29.211 33.010 36.964 41.125 79 16.054 19.652 23.296 27.035 30.941 34.932 39.087 43.453 80 16.9_0 20.752 24.585 28.509 32.597 36.775 41.117 45.676 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------- ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.798 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.816 0.780 22 8 0.371 0.436 0.488 0.527 0.538 0.834 0.797 0.763 23 9 0.438 0.491 0.530 0.541 0.853 0.816 0.781 0.753 24 10 0.493 0.532 0.543 0.872 0.834 0.799 0.771 0.737 25 11 0.535 0.546 0.891 0.852 0.817 0.789 0.755 0.727 26 12 0.549 0.910 0.871 0.835 0.808 0.773 0.746 0.707 27 13 0.915 0.889 0.854 0.827 0.792 0.764 0.725 0.737 28 14 0.894 0.873 0.845 0.810 0.783 0.743 0.756 0.761 29 15 0.878 0.857 0.829 0.802 0.762 0.776 0.782 0.794 30 16 0.862 0.848 0.813 0.780 0.796 0.804 0.817 0.826 31 17 0.854 0.839 0.805 0.821 0.829 0.842 0.852 0.836 32 18 0.838 0.832 0.802 0.826 0.848 0.866 0.865 0.839 33 19 0.808 0.815 0.794 0.833 0.861 0.881 0.870 0.852 34 20 0.784 0.808 0.794 0.840 0.863 0.883 0.887 0.875 35 21 0.825 0.866 0.867 0.896 0.913 0.927 0.942 0.934 36 22 0.842 0.893 0.907 0.921 0.948 0.976 1.004 1.012 37 23 0.877 0.936 0.952 0.964 1.003 1.041 1.062 1.120 38 24 0.930 0.990 1.026 1.037 1.092 1.141 1.204 1.272 39 25 0.996 1.063 1.109 1.146 1.214 1.306 1.373 1.452 40 26 1.050 1.130 1.186 1.248 1.343 1.451 1.539 1.615 41 27 1.149 1.245 1.307 1.402 1.512 1.631 1.727 1.791 42 28 1.261 1.370 1.457 1.562 1.679 1.813 1.909 2.006 43 29 1.392 1.550 1.646 1.750 1.874 2.001 2.125 2.247 44 30 1.576 1.753 1.857 1.967 2.084 2.231 2.368 2.519 45 31 1.755 1.947 2.062 2.177 2.318 2.484 2.636 2.801 46 32 1.908 2.122 2.239 2.384 2.541 2.717 2.880 3.073 47 33 2.060 2.289 2.444 2.614 2.809 3.016 3.221 3.428 48 34 2.215 2.466 2.656 2.858 3.093 3.353 3.575 3.848 49 35 2.430 2.696 2.906 3.126 3.397 3.669 3.918 4.237 50 36 2.659 2.944 3.165 3.415 3.702 4.010 4.294 4.608 51 37 2.915 3.211 3.454 3.707 4.017 4.362 4.672 4.950 52 38 3.242 3.576 3.801 4.064 4.382 4.737 5.073 5.364 53 39 3.612 3.955 4.196 4.475 4.810 5.195 5.631 5.952 54 40 3.914 4.298 4.541 4.815 5.159 5.607 6.114 6.504 55 41 4.230 4.648 4.913 5.216 5.630 6.152 6.744 7.301 56 42 4.645 5.101 5.395 5.773 6.233 6.798 7.470 8.185 57 43 4.936 5.456 5.846 6.310 6.839 7.476 8.242 9.047 58 44 5.207 5.833 6.330 6.883 7.509 8.236 9.012 9.906 59 45 5.523 6.241 6.839 7.501 8.243 9.001 9.816 10.766 60 46 5.904 6.671 7.374 8.156 8.968 9.784 10.678 11.711 61 47 6.382 7.166 7.929 8.732 9.580 10.459 11.436 12.473 62 48 6.938 7.721 8.466 9.280 10.188 11.175 12.238 13.331 63 49 7.526 8.277 8.992 9.828 10.827 11.912 13.074 14.268 64 50 8.064 8.801 9.543 10.484 11.606 12.848 14.205 15.601 65 51 8.743 9.519 10.320 11.331 12.546 13.933 15.452 17.007 66 52 9.391 10.257 11.120 12.210 13.541 15.069 16.736 18.439 67 53 10.029 10.967 11.925 13.126 14.575 16.215 18.031 19.905 68 54 10.632 11.669 12.742 14.086 15.637 17.383 19.338 21.303 69 55 11.236 12.384 13.597 15.076 16.745 18.604 20.709 22.714 70 56 11.847 13.134 14.488 16.110 17.911 19.903 22.158 24.388 71 57 12.487 13.931 15.427 17.201 19.155 21.294 23.719 26.226 72 58 13.208 14.788 16.415 18.336 20.454 22.783 25.407 28.307 73 59 14.066 15.720 17.453 19.497 21.806 24.363 27.396 30.534 74 60 15.038 16.729 18.543 20.712 23.218 26.195 29.511 33.121 75 61 16.089 17.803 19.780 22.169 25.150 28.576 32.545 36.779 76 62 17.186 18.960 21.105 23.868 27.232 31.300 35.842 40.770 77 63 18.264 20.122 22.667 25.848 29.940 34.745 40.100 45.791 78 64 19.345 21.407 24.211 27.907 32.518 37.917 43.641 50.146 79 65 20.637 22.850 26.178 30.422 35.701 41.662 48.244 55.710 80 66 22.170 24.700 28.372 33.036 38.605 45.101 52.304 60.210 81 67 24.203 26.965 31.101 36.118 42.273 49.465 57.526 66.276 82 68 26.731 29.729 34.074 39.399 45.884 53.466 62.120 71.394 83 69 29.719 32.834 37.645 43.388 50.310 58.473 67.982 78.525 84 70 32.983 36.325 41.634 47.758 55.100 63.796 74.152 86.291 85 71 35.195 38.735 44.674 51.546 59.772 69.501 81.106 94.720 86 72 37.537 41.264 48.079 55.966 65.379 76.537 89.845 105.472 87 73 39.927 43.864 51.627 60.591 71.299 83.978 99.119 118.794 88 74 41.764 45.853 54.293 64.055 75.707 89.504 107.612 129.432 89 75 42.876 47.024 56.035 66.449 78.862 94.969 114.624 138.325 90 76 43.471 47.644 56.729 67.221 80.880 97.412 117.586 141.900 91 77 44.006 48.192 57.340 68.846 82.846 99.793 120.461 145.383 92 78 45.421 49.706 59.896 71.924 86.562 104.269 125.875 152.182 93 79 47.957 53.123 64.022 76.889 92.538 111.478 134.882 16_.073 94 80 51.002 56.504 68.105 81.793 98.449 118.926 143.895 17_.9_8 95
VANGUARD 100 SERIES - 134 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE SMOKER MALE - ANB POLICY FEE $12.50
POLICY YEAR ISSUE ------------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- ----- ----- -------- 0 7.63 1.90 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .86 1.12 15 ------------------------------------------------------------------------------------------------------------------ 1 1.90 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.12 1.39 16 2 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.39 1.69 17 3 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.69 1.99 18 ------------------------------------------------------------------------------------------------------------------ 4 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 1.99 2.26 19 5 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.26 2._2 20 ------------------------------------------------------------------------------------------------------------------ 6 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.42 2.48 21 7 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.48 2.53 22 8 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.53 2.60 23 ------------------------------------------------------------------------------------------------------------------ 9 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.60 2.69 24 10 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.69 2.76 25 ------------------------------------------------------------------------------------------------------------------ 11 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.76 2._6 26 12 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.78 2.66 2.52 27 13 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.78 2.68 2.52 2.56 28 ------------------------------------------------------------------------------------------------------------------ 14 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.79 2.69 2.54 2.56 2.57 29 15 1.11 1.39 1.68 1.96 2.21 2.40 2.50 2.56 2.63 2.70 2.79 2.69 2.54 2.58 2.57 2.60 30 ------------------------------------------------------------------------------------------------------------------ 16 1.39 1.68 1.89 2.12 2.31 2.46 2.56 2.63 2.70 2.79 2.66 2.54 2.58 2.59 2.60 2.62 31 17 1.66 1.87 2.05 2.21 2.40 2.50 2.59 2.68 2.76 2.66 2.54 2.58 2.59 2.62 2.62 2.58 32 18 1.76 1.96 2.12 2.28 2.45 2.50 2.58 2.69 2.62 2.54 2.45 2.51 2.56 2.61 2.58 2.56 33 ------------------------------------------------------------------------------------------------------------------ 19 1.78 1.99 2.15 2.29 2.41 2.45 2.55 2.48 2.43 2.41 2.34 2.44 2.51 2.57 2.56 2.58 34 20 1.74 1.97 2.14 2.26 2.36 2.36 2.34 2.27 2.28 2.30 2.25 2.37 2.43 2.53 2.58 2.62 35 ------------------------------------------------------------------------------------------------------------------ 21 1.69 1.95 2.13 2.22 2.28 2.13 2.14 2.12 2.15 2.19 2.21 2.30 2.40 2.51 2.62 2.73 36 22 1.66 1.93 2.13 2.21 2.13 2.03 2.01 2.00 2.05 2.11 2.17 2.25 2.38 2.54 2.71 2.88 37 23 1.67 1.92 2.14 2.08 2.03 1.95 1.94 1.95 1.99 2.07 2.16 2.26 2.44 2.65 2.83 3.06 38 ------------------------------------------------------------------------------------------------------------------ 24 1.64 1.90 1.99 1.98 1.95 1.90 1.88 1.91 1.97 2.07 2.20 2.31 2.55 2.80 3.02 3.28 39 25 1.64 1.76 1.87 1.88 1.90 1.86 1.87 1.92 1.99 2.10 2.26 2.45 2.72 3.01 3.24 3.54 40 ------------------------------------------------------------------------------------------------------------------ 26 1.54 1.66 1.77 1.80 1.85 1.86 1.88 1.94 2.02 2.15 2.36 2.60 2.87 3.19 3.46 3.75 41 27 1.50 1.59 1.69 1.76 1.83 1.87 1.92 1.99 2.10 2.27 2.49 2.75 3.05 3.40 3.69 3.97 42 28 1.50 1.58 1.68 1.76 1.84 1.91 1.98 2.08 2.23 2.42 2.65 2.92 3.23 3.60 3.89 4.21 43 ------------------------------------------------------------------------------------------------------------------ 29 1.52 1.60 1.68 1.78 1.89 1.97 2.07 2.21 2.38 2.61 2.85 3.11 3.44 3.80 4.11 4.47 44 30 1.56 1.64 1.74 1.83 1.94 2.06 2.19 2.36 2.57 2.80 3.06 3.33 3.65 4.01 4.34 4.75 45 ------------------------------------------------------------------------------------------------------------------ 31 1.59 1.71 1.79 1.91 2.03 2.18 2.34 2.51 2.76 3.01 3.27 3.56 3.88 4.26 4.59 5.10 46 32 1.62 1.74 1.86 1.98 2.13 2.30 2.49 2.69 2.96 3.23 3.50 3.80 4.14 4.53 4.95 5.49 47 33 1.60 1.76 1.90 2.07 1.97 2.44 2.66 2.87 3.14 3.44 3.73 4.05 4.42 4.91 5.37 5.95 48 ------------------------------------------------------------------------------------------------------------------ 34 1.57 1.77 1.96 2.16 2.38 2.60 2.83 3.06 3.34 3.64 3.96 4.31 4.79 5.33 5.82 6.49 49 35 1.56 1.80 2.03 2.28 2.52 2.76 2.99 3.24 3.54 3.85 4.19 4.64 5.18 5.78 6.32 7.07 50 ------------------------------------------------------------------------------------------------------------------ 36 1.56 1.86 2.14 2.42 2.70 2.95 3.22 3.48 3.79 4.11 4.54 5.04 5.64 6.31 6.92 7.70 51 37 1.60 1.94 2.27 2.60 2.90 3.17 3.45 3.74 4.06 4.46 4.93 5.47 6.12 6.87 7.55 8.30 52 38 1.67 2.06 2.45 2.80 3.12 3.41 3.70 4.01 4.41 4.85 5.34 5.92 6.61 7.42 8.20 8.96 53 ------------------------------------------------------------------------------------------------------------------ 39 1.77 2.23 2.64 3.02 3.35 3.66 3.97 4.36 4.80 5.26 5.78 6.39 7.13 8.00 8.87 9.69 54 40 1.90 2.41 2.85 3.26 3.59 3.91 4.30 4.72 5.20 5.71 6.25 6.88 7.67 8.61 9.59 10.55 55 ------------------------------------------------------------------------------------------------------------------ 41 2.01 2.57 3.08 3.50 3.85 4.23 4.64 _.09 5.62 6.17 6.75 7.43 8.25 9.27 10.36 11.64 56 42 2.12 2.74 3.27 3.72 4.15 4.56 5.00 5.47 6.05 6.65 7.29 8.03 8.91 10.01 11.29 12.71 57 ------------------------------------------------------------------------------------------------------------------ 5/17/1982
VANGUARD 100 SERIES - 134 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE SMOKER MALE - ANB POLICY FEE $12.50
POLICY YEAR ISSUE -------------------------------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ -------- 43 2.22 2.88 3.45 3.98 4.45 4.89 5.34 5.85 6.44 7.13 7.85 8.68 9.65 10.90 12.19 13.92 58 ------------------------------------------------------------------------------------------------------------------------------------ 44 2.31 3.01 3.67 4.25 4.74 5.21 5.69 6.21 6.82 7.61 8.44 9.38 10.54 11.80 13.25 15.17 59 45 2.40 3.19 3.90 4.53 5.05 5.55 6.06 6.59 7.22 8.12 9.07 10.21 11.42 12.87 14.42 16.29 60 ------------------------------------------------------------------------------------------------------------------------------------ 46 2.53 3.36 4.12 4.83 5.41 5.94 6.47 7.03 7.71 8.68 9.81 11.00 12.44 14.02 15.55 17.61 61 47 2.65 3.56 4.39 5.16 5.82 6.39 6.94 7.54 8.33 9.39 10.53 11.92 13.51 15.13 16.92 19.08 62 48 2.76 3.78 4.70 5.54 6.30 6.93 7.52 8.17 9.13 10.11 11.39 12.89 14.51 16.43 18.42 20.59 63 ------------------------------------------------------------------------------------------------------------------------------------ 49 2.89 4.02 5.03 5.96 6._2 7.53 8.20 8.96 9.90 10.98 12.31 13.79 15.68 17.83 19.87 22.45 64 50 3.00 4.28 5.38 6.40 7.34 8.15 8.97 9.73 10.75 11.88 13.16 14.85 16.92 19.13 21.58 24.44 65 ------------------------------------------------------------------------------------------------------------------------------------ 51 3.13 4.54 5.76 6.84 7._6 8.83 9.65 10.55 11.60 12.69 14.14 15.97 18.05 20.65 23.38 26.35 66 52 3.26 4.82 6.13 7.28 _.41 9.38 10.34 11.30 12.31 13.60 15.16 16.99 19.40 22.24 25.04 28.52 67 53 3.40 5.09 6.49 7.75 _._5 9.91 10.92 11.85 13.07 14.46 16.05 18.18 20.80 23.67 26.93 30.50 68 ------------------------------------------------------------------------------------------------------------------------------------ 54 3.__ _.3_ _.__ _.14 _._4 10.__ 11.33 12.43 13.7_ 15.1_ 17.07 19.43 22.0_ 25.34 28.61 32._6 69 55 3.72 5._9 7.26 8._1 9._2 10.78 11.83 12.98 14.38 16.05 18.14 20.57 23._9 2_.__ 30.66 34.91 70 ------------------------------------------------------------------------------------------------------------------------------------ 56 3.95 6.02 7.74 9.14 10.26 11.30 12.39 13.49 15.10 1_.96 19.11 21.94 24.99 28.75 32.88 37.28 71 57 4.19 6.45 8.29 9.67 10.85 11.93 12.96 14.21 15.85 17.78 20.32 23.21 26.74 30.83 35.01 40.32 72 58 4.52 6.98 8.88 10.39 11.60 12.64 13.81 15.08 16.58 18.85 21.42 24.75 28.62 32.81 37.71 43.49 73 ------------------------------------------------------------------------------------------------------------------------------------ 59 4.90 7.53 9.64 11.24 12.42 13.61 14.81 15.96 17.63 19.84 22.78 26.38 30.35 35.28 40.67 46.51 74 60 5.29 8.19 10.47 12.06 13.46 14.70 15.80 17.08 18.67 21.13 24.26 27.87 32.49 37.96 43.45 50.29 75 ------------------------------------------------------------------------------------------------------------------------------------ 61 5.79 8.89 11.23 13.04 14.56 15.71 16.98 18.14 19.98 22.53 25.64 29.77 34.83 40.46 46.87 54.98 76 62 6.33 9.50 12.06 14.05 15.50 16.86 18.03 19.42 21.38 23.87 27.40 31.85 37.02 43.55 51.06 60.09 77 63 6.87 10.28 12.97 14.95 16.54 17.79 19.18 20.68 22.60 25.47 29.26 33.75 39.72 47.33 55.57 65.72 78 ------------------------------------------------------------------------------------------------------------------------------------ 64 7.53 11.20 13.88 15.98 17.43 18.87 20.33 21.75 24.07 27.16 30.95 36.12 43.05 51.39 60.41 71.71 79 65 8.24 12.05 14.93 16.85 18.50 20.01 21.37 23.17 25.75 28.83 33.18 39.15 46.71 55.82 65.64 77.88 80 ------------------------------------------------------------------------------------------------------------------------------------ 66 8.92 12.93 15.76 17.85 19.64 21.10 22.83 24.88 27.52 31.15 36.18 42.65 50.81 60.63 71.25 84.13 81 67 9.73 13.55 16.54 18.83 20.67 22.57 24.60 26.76 30.04 34.35 39.79 46.73 55.44 65.90 77.30 90.91 82 68 10.50 14.17 17.19 19.60 21.98 24.31 26.55 29.44 33.53 38.30 44.16 51.49 60.64 71.66 83.79 98.12 83 ------------------------------------------------------------------------------------------------------------------------------------ 69 11.42 14.77 17.6_ 20.52 23.39 26.06 29.17 32.99 37.72 43.00 49.26 56.93 66.41 77.88 90.71 106.35 84 70 12.38 15.17 1_.22 21.43 24.65 28.27 32.48 37.11 42.56 48.40 55.07 62.99 72.72 84.56 98.07 115.39 85 ------------------------------------------------------------------------------------------------------------------------------------ 71 13.17 16.29 19.56 22.79 26.46 30.65 35.21 40.24 46.15 52.50 59.73 68.32 78.88 91.72 106.39 125.31 86 72 14.11 17.46 20.76 24.42 28.64 33.18 38.13 43.56 49.97 56.83 64.67 73.97 85.41 99.33 115.20 136.11 87 73 15.03 18.42 22.11 26.28 30.82 35.70 41.03 46.89 53.78 61.18 69.61 79.63 91.94 106.92 124.01 147.62 88 ------------------------------------------------------------------------------------------------------------------------------------ 74 15.78 19.53 23.67 28.14 33.00 38.23 43.93 50.21 57.59 65.51 74.55 85.28 98.47 114.51 132.82 157.54 89 75 16.65 20._1 25.23 29.99 35.18 40.76 46.84 53.53 61.41 69.82 79.49 90.93 105.00 122.11 141.64 165.12 90 ------------------------------------------------------------------------------------------------------------------------------------ 76 17.67 22.10 26.79 31.85 37.35 43.29 49.75 56.85 65.22 74.19 84.43 96.59 111.53 129.70 150.44 171.10 91 77 18.69 23.38 28.35 33.70 39.53 45.81 52.66 60.18 69.04 78.53 89.37 102.23 118.06 137.30 159.26 177.15 92 78 19.73 24.66 29.91 35.56 41.72 48.34 55.56 63.50 72.85 82.87 94.31 107.89 124.59 144.90 168.07 187.15 93 ------------------------------------------------------------------------------------------------------------------------------------ 79 20.75 25.95 31.47 37.41 43.89 50.87 58.46 66.82 76.67 87.21 99.26 113.55 131.12 152.50 176.89 202.39 94 80 21.77 27.23 33.02 39.27 46.07 53.40 61.38 70.14 80.48 91.56 104.19 119.20 137.65 160.09 185.69 217.91 95 ------------------------------------------------------------------------------------------------------------------------------------ 227.54 96 238.15 97 248.97 98 260.01 99 --------------- 5/17/1982
VANGUARD 100 SERIES - 136 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE NONSMOKER MALE - ANB POLICY FEE 12.50
POLICY YEAR ISSUE ---------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- -------- 0 7.63 1.90 1.28 1.03 .8_ .81 .74 .70 .65 .61 .60 .60 .62 .74 .86 1.01 15 1 1.90 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.01 1.13 16 2 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.13 1.25 17 3 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.25 1.32 18 --------------------------------------------------------------------------------------------------------------- 4 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.32 1.36 19 5 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.3_ _.32 20 --------------------------------------------------------------------------------------------------------------- 6 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.32 1.23 21 7 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.23 1.14 22 8 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1._4 1.37 1.33 1.24 1.14 1.07 23 --------------------------------------------------------------------------------------------------------------- 9 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.07 .99 24 10 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 .99 .92 25 --------------------------------------------------------------------------------------------------------------- 11 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .92 .92 26 12 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .93 .92 .90 27 13 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .93 .92 .90 .93 28 --------------------------------------------------------------------------------------------------------------- 14 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .93 .92 .90 .93 .95 29 15 1.01 1.13 1.24 1.31 1.33 1.31 1.24 1.15 1.08 .99 .93 .93 .90 .94 .95 .99 30 --------------------------------------------------------------------------------------------------------------- 16 1.13 1.24 1.26 1.28 1.26 1.22 1.15 1.08 1.00 .93 .92 .90 .94 .96 .99 1.02 31 17 1.23 1.25 1.24 1.21 1.19 1.13 1.07 .99 .93 .92 .90 .94 .96 .99 1.02 1.03 32 18 1.18 1.19 1.17 1.14 1.11 1.03 .96 .91 .90 .90 .90 .93 .97 1.01 1.03 1.04 33 --------------------------------------------------------------------------------------------------------------- 19 1.09 1.10 1.08 1.05 1.00 .91 .86 .86 .87 .88 .88 .93 .98 1.02 1.04 1.07 34 20 .98 1.00 .99 .95 .89 .81 .82 .82 .84 .87 .87 .93 .97 1.03 1.07 1.11 35 --------------------------------------------------------------------------------------------------------------- 21 .87 .91 .90 .84 .79 .76 .78 .79 .82 .85 .88 .93 .98 1.05 1.11 1.18 36 22 .79 .83 .81 .77 .76 .75 .76 .77 .81 .84 .88 .93 1.00 1.08 1.17 1.27 37 23 .73 .75 .75 .75 .75 .74 .75 .77 .80 .85 .90 .95 1.04 1.15 1.25 1.37 38 --------------------------------------------------------------------------------------------------------------- 24 .66 .68 .72 .73 .74 .74 .75 .78 .81 .8_ .93 1.00 1.11 1.24 1.35 1.50 39 25 .61 .65 .70 .72 .74 .74 .76 .79 .84 .90 .98 1.07 1.21 1.35 1.48 1.65 40 --------------------------------------------------------------------------------------------------------------- 26 .59 .64 .68 .71 .74 .7_ .78 .82 .87 .94 1.04 1.16 1.29 1.46 1.61 1.78 41 27 .59 .63 .67 .71 .75 .78 .81 .86 .92 1.00 1.11 1.24 1.40 1.58 1.75 1.93 42 28 .60 .64 .68 .73 .77 .81 .85 .91 .99 1.09 1.20 1.34 1.51 1.71 1.89 2.09 43 --------------------------------------------------------------------------------------------------------------- 29 .62 .66 .70 .75 .80 .85 .91 .98 1.07 1.19 1.31 1.46 1.64 1.84 2.04 2.26 44 30 .64 .69 .73 .78 .84 .90 .97 1.06 1.17 1.30 1.44 1.59 1.78 1.99 2.20 2.46 45 --------------------------------------------------------------------------------------------------------------- 31 .67 .72 .77 .83 .89 .97 1.0_ 1.15 1.28 1.42 1.57 1.74 1.93 2.16 2.38 2.70 46 32 .69 .75 .81 .87 .95 1.04 1.14 1.25 1.39 1.55 1.71 1.89 2.10 2.35 2.62 2.98 47 33 .70 .77 .84 .92 .91 1.12 1.24 1.36 1.51 1.68 1.86 2.06 2.30 2.60 2.91 3.30 48 --------------------------------------------------------------------------------------------------------------- 34 .70 .79 .88 .98 1.10 1.21 1.34 1.47 1.64 1.82 2.02 2.24 2.54 2.89 3.23 3.68 49 35 .71 .82 .93 1.05 1.18 1.31 1.44 1.59 1.77 1.96 2.18 2.47 2.81 3.21 3.59 4.11 50 --------------------------------------------------------------------------------------------------------------- 36 .73 .86 .99 1.14 1.28 1.42 1.58 1.74 1.93 2.14 2.42 2.74 3.13 3.59 4.03 4.59 51 37 .76 .91 1.07 1.24 1.40 1.56 1.73 1.91 2.12 2.37 2.68 3.04 3.48 4.00 4.50 5.07 52 38 .80 .98 1.17 1.36 1.54 1.71 1.89 2.09 2.35 2.64 2.97 3.37 3.85 4.43 5.01 5.62 53 --------------------------------------------------------------------------------------------------------------- 39 .86 1.08 1.29 1.49 1.68 1.87 2.07 2.32 2.61 2.93 3.29 3.72 4.25 4.89 5.56 6.23 54 40 .93 1.18 1.41 1.64 1.84 2.04 2.29 2.57 2.90 3.25 3.64 4.11 4.69 5.40 6.17 6.96 55 --------------------------------------------------------------------------------------------------------------- 41 1.01 1.28 1.55 1.79 2.01 2.26 2.53 2.83 3.20 3.60 4.03 4.55 5.18 5.97 6.84 7.82 56 42 1.08 1.39 1.68 1.9_ 2.22 2.49 2.78 3.12 3.53 3.97 4.46 5.04 5.74 6.61 7.59 8.78 57 --------------------------------------------------------------------------------------------------------------- 5/18/1982
VANGUARD 100 SERIES - 136 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE NONSMOKER MALE - ANB POLICY FEE 12.50
POLICY YEAR ISSUE -------------------------------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 AGE ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ ------ -------- 43 1.15 1.49 1.81 2.13 2.43 2.73 3.05 3.42 3.85 4.37 4.93 5.59 6.38 7.34 8.42 9.79 58 ------------------------------------------------------------------------------------------------------------------------------------ 44 1.22 1.60 1.97 2.32 2.65 2.97 3.33 3.72 4.18 4.78 5.44 6.20 7.09 8.15 9.33 10.75 59 45 1.29 1.72 2.14 2.53 2.89 3.25 3.63 4.04 4.54 5.24 6.00 6.87 7.89 9.06 10.22 11.86 60 ------------------------------------------------------------------------------------------------------------------------------------ 46 1.39 1.86 2.31 2.76 3.17 3.56 3.97 4.42 4.97 5.74 6.61 7.60 8.76 9.94 11.33 13.08 61 47 1.48 2.01 2.52 3.02 3.49 3.92 4.37 4.87 5.52 6.32 7.28 8.40 9.58 11.02 12.56 14.44 62 48 1.58 2.18 2.76 3.32 3.87 4.36 4.85 5.41 6.15 6.99 8.02 9.14 10.58 12.20 13.94 16.02 63 ------------------------------------------------------------------------------------------------------------------------------------ 49 1.69 2.37 3.03 3.66 4.29 4.80 5.43 6.04 6.85 7.73 8.74 10.06 11.85 13.49 15.46 17.81 64 50 1.80 2.59 3.32 4.03 4.74 5.40 6.05 6.73 7.58 8.43 9.59 11.04 12.81 14.88 17.12 19.76 65 ------------------------------------------------------------------------------------------------------------------------------------ 51 1.91 2.81 3.64 4.42 5.20 5.95 6.68 7.44 8.24 9.26 10.51 12.09 14.05 16.38 18.90 21.68 66 52 2.04 3.06 3.97 4.83 5.67 6.49 7.29 8.03 8.98 10.11 11.48 13.23 15.39 17.99 20.60 23.93 67 53 2.18 3.31 4.31 5.23 6.13 6.99 7.76 8.64 9.72 10.96 12.50 14.43 16.82 19.48 22.60 26.33 68 ------------------------------------------------------------------------------------------------------------------------------------ 54 2.33 3.57 4.66 5.64 6.59 7.38 8.27 9.24 10.45 11.83 13.55 1_.72 18.16 21.26 24.70 28.75 69 55 2.50 3.86 5.04 6.08 6.98 7.87 8.80 9.84 11.20 12.75 14.68 16.93 19.80 23.19 26.99 31.34 70 ------------------------------------------------------------------------------------------------------------------------------------ 56 2.70 4.19 5.47 6.50 7.49 8.41 9.39 10.51 11.99 13.72 15.74 18.42 21.58 25.31 29.52 34.45 71 57 2.94 4.57 5.90 7.06 8.08 9.05 10.10 11.28 12.83 14.64 17.06 20.04 23.55 27.68 32.36 37.62 72 58 3.22 4.98 6.49 7.74 8.80 9.85 10.97 12.21 13.65 15.82 18.50 21.79 25.70 30.33 35.19 41.39 73 ------------------------------------------------------------------------------------------------------------------------------------ 59 3.52 5.51 7.18 8.52 9.68 10.81 11.99 13.14 14.80 17.14 20.07 23.69 28.05 32.92 38.70 45.59 74 60 3.89 6.11 7.95 9.40 10.70 11.90 13.02 14.34 16.12 18.61 21.79 25.76 30.32 36.12 42.59 50.29 75 ------------------------------------------------------------------------------------------------------------------------------------ 61 4.33 6.75 8.76 10.36 11.79 12.94 14.26 15.67 17.60 20.24 23.70 27.78 33.15 39.67 46.87 54.98 76 62 4.82 7.42 9.58 11.38 12.77 14.15 15.57 17.11 19.21 22.06 25.57 30.31 36.29 43.55 51.06 60.09 77 63 5.38 8.18 10.51 12.31 13.89 15.37 16.89 18.58 20.89 23.77 27.85 33.08 39.72 47.33 55.57 65.72 78 ------------------------------------------------------------------------------------------------------------------------------------ 64 6.00 9.08 11.44 13.42 15.05 16.62 18.26 20.11 22.46 25.85 30.34 36.12 43.05 51.39 60.41 71.71 79 65 6.69 9.93 12.54 14.56 16.30 17.98 19.76 21.62 24.51 28.26 33.18 39.15 46.71 55.82 65.64 77.88 80 ------------------------------------------------------------------------------------------------------------------------------------ 66 7.36 10.86 13.62 15.73 17.64 19.50 21.30 23.68 26.98 31.15 36.18 42.65 50.81 60.63 71.25 84.13 81 67 8.18 11.71 14.57 16.92 19.11 21.06 23.41 26.23 30.04 34.35 39.79 46.73 55.44 65.90 77.30 90.91 82 68 9.08 12.49 15.44 18.12 20.52 23.14 26.03 29.44 33.53 38.30 44.16 51.49 60.64 71.66 83.79 98.12 83 ------------------------------------------------------------------------------------------------------------------------------------ 69 10.07 13.27 16.32 19.16 22.27 25.54 29.17 32.99 37.72 43.00 49.26 56.93 66.41 77.88 90.71 106.35 84 70 11.13 14.03 17.00 20.40 24.16 28.27 32.48 37.11 42.56 48.40 55.07 62.99 72.72 84.56 98.07 115.39 85 ------------------------------------------------------------------------------------------------------------------------------------ 71 12.18 15.21 18.62 22.34 26.46 30.65 35.21 40.24 46.15 52.50 59.73 68.32 78.88 91.72 106.39 125.31 86 72 13.18 16.62 20.35 24.42 28.64 33.18 38.13 43.56 49.97 56.83 64.67 73.97 85.41 99.33 115.20 136.11 87 73 14.31 18.06 22.11 26.28 30.82 35.70 41.03 46.89 53.78 61.18 69.61 79.63 91.94 106.92 124.01 147.62 88 ------------------------------------------------------------------------------------------------------------------------------------ 74 15.47 19.53 23.67 28.14 33.00 38.23 43.93 50.21 57.59 65.51 74.56 85.28 98.47 114.51 132.82 157.54 89 75 16.65 20.81 25.23 29.99 35.18 40.76 46.84 53.53 61.41 69.85 79.49 90.93 105.00 122.11 141.64 165.12 90 ------------------------------------------------------------------------------------------------------------------------------------ 76 17.67 22.10 26.79 31.85 37.35 43.29 49.75 56.85 65.22 74.19 84.43 96.59 111.53 129.70 150.44 171.10 91 77 18.69 23.38 28.35 33.70 39.53 45.81 52.66 60.18 69.04 78.53 89.37 102.23 118.06 137.30 159.26 177.15 92 78 19.73 24.66 29.91 35.56 41.72 48.34 55.56 63.50 72.85 82.87 94.31 107.89 124.59 144.90 168.07 187.15 93 ------------------------------------------------------------------------------------------------------------------------------------ 79 20.75 25.95 31.47 37.41 43.89 50.87 58.46 66.82 76.87 87.21 99.26 113.55 131.12 152.50 176.89 202.39 94 80 21.77 27.23 33.02 39.27 46.07 53.40 61.38 70.14 80.48 91.56 104.19 119.20 137.65 160.09 185.69 217.91 95 227.54 96 238.15 97 248.97 98 --------------- 260.01 99 5/18/1982
VANGUARD 100 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE SUBSTANDARD MALE ANB
POLICY YEAR ISSUE --------------------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- ---- ---- ---- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- 0 1.47 .34 .21 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 15 -------------------------------------------------------------------------------------------------------------------------- 1 .34 .21 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 16 2 .21 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 17 3 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 18 -------------------------------------------------------------------------------------------------------------------------- 4 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 19 5 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 20 -------------------------------------------------------------------------------------------------------------------------- 6 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 21 7 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .28 22 8 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .28 .28 23 -------------------------------------------------------------------------------------------------------------------------- 9 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 24 10 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 25 -------------------------------------------------------------------------------------------------------------------------- 11 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .26 26 12 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .26 .25 27 13 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .27 .25 .26 28 -------------------------------------------------------------------------------------------------------------------------- 14 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .27 .25 .26 .26 29 15 .17 .20 .24 .26 .28 .30 .29 .29 .28 .28 .27 .27 .25 .26 .26 .27 30 -------------------------------------------------------------------------------------------------------------------------- 16 .20 .24 .25 .27 .28 .29 .29 .28 .28 .27 .26 .25 .26 .26 .27 .27 31 17 .23 .25 .26 .27 .28 .28 .28 .27 .27 .26 .25 .26 .26 .27 .27 .27 32 18 .23 .25 .26 .27 .27 .27 .26 .26 .26 .25 .25 .25 .26 .27 .27 .27 33 -------------------------------------------------------------------------------------------------------------------------- 19 .22 .24 .25 .25 .26 .25 .25 .24 .24 .24 .24 .25 .26 .27 .27 .28 34 20 .21 .23 .24 .24 .24 .23 .23 .22 .23 .23 .23 .24 .26 .27 .28 .29 35 -------------------------------------------------------------------------------------------------------------------------- 21 .19 .21 .22 .22 .22 .21 .21 .21 .22 .22 .23 .24 .25 .27 .29 .30 36 22 .18 .20 .21 .21 .21 .20 .20 .20 .21 .22 .22 .24 .26 .28 .30 .32 37 23 .17 .19 .20 .20 .20 .19 .19 .19 .20 .21 .23 .24 .26 .29 .32 .35 38 -------------------------------------------------------------------------------------------------------------------------- 24 .16 .18 .19 .19 .19 .19 .19 .19 .20 .22 .23 .25 .28 .32 .35 .38 39 25 .15 .17 .18 .18 .19 .19 .19 .20 .21 .22 .24 .27 .31 .34 .38 .42 40 -------------------------------------------------------------------------------------------------------------------------- 26 .14 .16 .17 .18 .18 .19 .19 .20 .21 .23 .26 .29 .33 .37 .41 .45 41 27 .14 .15 .16 .17 .18 .19 .20 .21 .22 .25 .28 .31 .35 .40 .44 .49 42 28 .14 .15 .16 .18 .19 .20 .21 .22 .24 .27 .30 .34 .38 .43 .48 .52 43 -------------------------------------------------------------------------------------------------------------------------- 29 .15 .16 .17 .18 .19 .21 .22 .24 .26 .29 .33 .37 .41 .46 .51 .57 44 30 .15 .16 .18 .19 .20 .22 .24 .26 .29 .32 .36 .40 .45 .50 .55 .61 45 -------------------------------------------------------------------------------------------------------------------------- 31 .16 .17 .18 .20 .22 .24 .26 .28 .32 .35 .39 .43 .48 .54 .59 .67 46 32 .16 .18 .19 .21 .23 .25 .28 .31 .35 .39 .43 .47 .52 .58 .65 .73 47 33 .16 .18 .20 .22 .21 .27 .31 .34 .37 .42 .46 .51 .57 .64 .71 .81 48 -------------------------------------------------------------------------------------------------------------------------- 34 .16 .19 .21 .24 .27 .30 .33 .36 .41 .45 .50 .55 .63 .71 .79 .89 49 35 .16 .19 .22 .26 .29 .32 .36 .39 .44 .48 .54 .60 .69 .78 .87 .99 50 -------------------------------------------------------------------------------------------------------------------------- 36 .16 .20 .24 .28 .31 .35 .39 .43 .48 .52 .59 .67 .76 .87 .97 1.10 51 37 .17 .21 .26 .30 .34 .38 .42 .47 .52 .58 .65 .74 .84 .96 1.07 1.20 52 38 .18 .23 .28 .33 .38 .42 .46 .51 .57 .64 .72 .81 .92 1.06 1.19 1.32 53 -------------------------------------------------------------------------------------------------------------------------- 39 .20 .26 .31 .36 .41 .46 .51 .57 .64 .71 .79 .89 1.01 1.16 1.31 1.45 54 40 .21 .28 .34 .40 .45 .50 .56 .62 .70 .78 .87 .98 1.11 1.27 1.44 1.61 55 -------------------------------------------------------------------------------------------------------------------------- 41 .23 .31 .38 .44 .49 .55 .61 .68 .77 .86 .96 1.07 1.21 1.39 1.58 1.79 56 42 .25 .33 .41 .47 .54 .60 .67 .75 .84 .94 1.05 1.18 1.33 1.52 1.74 1.99 57 -------------------------------------------------------------------------------------------------------------------------- 5/18/1982
VANGUARD 100 OCCIDENTAL PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE REINSURANCE SUBSTANDARD MALE ANB
POLICY YEAR ISSUE --------------------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- ---- ---- ---- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- 43 .26 .36 .44 .52 .59 .66 .73 .81 .91 1.03 1.15 1.30 1.47 1.68 1.91 2.20 58 -------------------------------------------------------------------------------------------------------------------------- 44 .28 .38 .47 .56 .64 .71 .79 .88 .98 1.12 1.26 1.43 1.62 1.85 2.09 2.42 59 45 .30 .41 .51 .61 .69 .77 .86 .95 1.06 1.21 1.38 1.57 1.79 2.03 2.30 2.65 60 -------------------------------------------------------------------------------------------------------------------------- 46 .32 .44 .55 .66 .75 .84 .93 1.03 1.15 1.32 1.51 1.72 1.96 2.24 2.52 2.89 61 47 .34 .47 .60 .71 .82 .92 1.02 1.12 1.26 1.44 1.64 1.88 2.15 2.46 2.77 3.16 62 48 .36 .51 .65 .78 .91 1.01 1.12 1.24 1.40 1.58 1.80 2.05 2.35 2.69 3.05 3.47 63 -------------------------------------------------------------------------------------------------------------------------- 49 .38 .55 .71 .85 1.00 1.12 1.24 1.37 1.54 1.73 1.96 2.24 2.57 2.95 3.35 3.82 64 50 .40 .60 .77 .93 1.09 1.24 1.37 1.52 1.69 1.89 2.43 2.43 2.80 3.22 3.67 4.20 65 -------------------------------------------------------------------------------------------------------------------------- 51 .43 .64 .84 1.02 1.19 1.35 1.50 1.66 1.84 2.05 2.31 2.64 3.04 3.51 4.01 4.61 66 52 .45 .70 .91 1.10 1.29 1.46 1.63 1.80 1.99 2.22 2.50 2.86 3.29 3.82 4.38 5.04 67 53 .48 .75 .98 1.18 1.38 1.56 1.73 1.92 2.13 2.39 2.70 3.09 3.57 4.14 4.75 5.49 68 -------------------------------------------------------------------------------------------------------------------------- 54 .51 .80 1.05 1.26 1.47 1.65 1.83 2.03 2.27 2.55 2.90 3.33 3.85 4.47 5.14 5.93 69 55 .55 .86 1.12 1.35 1.56 1.74 1.93 2.14 2.41 2.72 3.11 3.59 4.16 4.83 5.57 6.40 70 -------------------------------------------------------------------------------------------------------------------------- 56 .59 .93 1.21 1.45 1.65 1.84 2.04 2.26 2.56 2.90 3.33 3.87 4.49 5.22 6.03 6.97 71 57 .64 1.00 1.31 1.56 1.77 1.96 2.17 2.40 2.71 3.10 3.58 4.17 4.85 5.65 6.54 7.61 72 58 .69 1.10 1.43 1.69 1.91 2.12 2.33 2.58 2.89 3.32 3.84 4.49 5.24 6.13 7.12 8.30 73 -------------------------------------------------------------------------------------------------------------------------- 59 .76 1.20 1.57 1.85 2.08 2.30 2.53 2.78 3.10 3.56 4.13 4.83 5.67 6.66 7.75 9.05 74 60 .84 1.33 1.72 2.02 2.28 2.51 2.75 3.00 3.34 3.82 4.44 5.20 6.13 7.23 8.45 9.88 75 -------------------------------------------------------------------------------------------------------------------------- 61 .93 1.45 1.88 2.20 2.49 2.73 2.98 3.25 3.61 4.12 4.78 5.61 6.64 7.87 9.21 10.81 76 62 1.03 1.58 2.04 2.40 2.70 2.96 3.23 3.51 3.91 4.45 5.16 6.06 7.19 8.56 10.04 11.82 77 63 1.14 1.73 2.21 2.60 2.90 3.18 3.47 3.78 4.21 4.79 5.57 6.55 7.80 9.30 10.93 12.93 78 -------------------------------------------------------------------------------------------------------------------------- 64 1.26 1.90 2.41 2.80 3.12 3.41 3.71 4.05 4.53 5.17 6.01 7.09 8.46 10.10 11.88 14.11 79 65 1.39 2.09 2.62 3.01 3.34 3.65 3.98 4.36 4.90 5.59 6.51 7.69 9.18 10.98 12.91 15.33 80 -------------------------------------------------------------------------------------------------------------------------- 66 1.54 2.26 2.82 3.23 3.58 3.93 4.29 4.73 5.34 6.11 7.10 8.38 9.99 11.93 14.02 16.56 81 67 1.69 2.42 2.99 3.44 3.85 4.24 4.67 5.19 5.89 6.74 7.81 9.18 10.90 12.97 15.21 17.90 82 68 1.86 2.55 3.13 3.65 4.13 4.62 5.15 5.77 6.58 7.52 8.67 10.12 11.93 14.10 16.50 19.32 83 -------------------------------------------------------------------------------------------------------------------------- 69 2.05 2.69 3.28 3.86 4.44 5.05 5.72 6.47 7.40 8.45 9.68 11.19 13.07 15.33 17.86 20.95 84 70 2.25 2.81 3.42 4.07 4.78 5.54 6.37 7.28 8.36 9.51 10.83 12.39 14.31 16.65 19.31 22.73 85 -------------------------------------------------------------------------------------------------------------------------- 71 2.44 3.05 3.71 4.41 5.18 6.01 6.91 7.90 9.07 10.32 11.75 13.44 15.53 18.06 20.95 24.69 86 72 2.64 3.31 4.02 4.78 5.61 6.51 7.48 8.56 9.82 11.18 12.72 14.56 16.82 19.56 22.69 26.82 87 73 2.84 3.56 4.32 5.15 6.04 7.01 8.06 9.21 10.57 12.03 13.70 15.67 18.10 21.06 24.43 29.09 88 -------------------------------------------------------------------------------------------------------------------------- 74 3.04 3.81 4.63 5.51 6.47 7.51 8.63 9.87 11.33 12.89 14.67 16.79 19.39 22.56 26.17 31.05 89 75 3.25 4.07 4.94 5.88 6.90 8.00 9.20 10.52 12.08 13.75 15.65 17.90 20.68 24.06 27.91 32.55 90 -------------------------------------------------------------------------------------------------------------------------- 76 3.45 4.32 5.25 6.25 7.33 8.50 9.78 11.18 12.83 14.60 16.62 19.02 21.97 25.56 29.65 33.73 91 77 3.65 4.57 5.55 6.61 7.76 9.00 10.35 11.84 13.58 15.46 17.60 20.14 23.26 27.06 31.39 34.92 92 78 3.85 4.83 5.86 6.98 8.19 9.50 10.92 12.49 14.34 16.31 18.57 21.25 24.55 28.55 33.13 36.89 93 -------------------------------------------------------------------------------------------------------------------------- 79 4.06 5.08 6.17 7.34 8.62 10.00 11.50 13.15 15.09 17.17 19.55 22.37 25.84 30.05 34.87 39.90 94 80 4.26 5.33 6.48 7.71 9.05 10.50 12.07 13.80 15.84 18.03 20.52 23.48 27.12 31.55 36.61 42.96 95 -------------------------------------------------------------------------------------------------------------------------- 44.86 96 46.96 97 49.09 98 --------------- 51.27 99 --------------- 5/18/1982
THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE A SPECIFICATIONS Effective August 1, 1991 1. TYPE OF BUSINESS: Life insurance and disability waiver of monthly deduction and accidental death benefit issued by you. 2. PLANS OF INSURANCE: A. LVPlus2 (UL) B. X-881 (EIWL) C. X-871 (EIWL) D. Commonwealth 3 E. Additional Insured Rider F. XPlus (Eff. 7-1-89) G. XPlus2 (Eff. 11-1-90) 3. BASIS OF REINSURANCE: Pool - Our share is 20% for ages through 75 for all plans and 25% for ages 76 through 80 for the LVPlus 2 and X-881. 4. JUMBO LIMIT: A. Life $10,000,000 B. Disability Waiver of Premium $10,000,000 C. Accidental Death (Including Ages Amount Common Carrier) ----- -------- 0-4 -0- 5-15 $ 50,000 16-65 300,000 5. BINDING LIMIT: A. Life $1,500,000 through age 70 $ 750,000 Ages 71 - 75 $ 250,000 Ages 76 - 80 B. Disability Waiver of Premium Same as Life C. Accidental Death $100,000 6. MINIMUM AMOUNTS: Not applicable 7. YEARS TO RECAPTURE: Ten DISK K THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT III INSTRUCTIONS FOR THE USE OF THE YEARLY RENEWABLE TERM PREMIUMS PER $1,000 OF REINSURANCE Effective November 1, 1990 1. Reinsurance premiums under this Agreement will be payable on the annual basis regardless of how you receive premiums from your insured. 2. STANDARD AND SUBSTANDARD TABLE EXTRA PREMIUMS A. The rates for the first $2,000,000 on any one life will be your company's appropriate rates set forth to this Exhibit times the following multiples for all years: (1) LVPlus2 (UL), X-881 (EIWL), X-871 (EIWL) and XPlus Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.29 1.34 1.16 1.23 (2) Commonwealth 3 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.36 1.41 1.22 1.29 (3) Additional Insured Rider Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.60 1.46 1.28 1.21 (4) XPlus2 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.22 1.27 1.10 1.17 We reserve the right to renegotiate the above multiples if you change the rates set forth in this Exhibit. EXHIBIT III CONTINUES . . . *In addition to existing preferred risk underwriting requirements, the following stipulations must be met for the preferred rates to apply: (1) No tobacco use (2) Standard with no more than 15 debits. (3) No risk factoring (4) No credits. (5) No diabetes. The substandard reinsurance rates will be an additional 25% per table rating of the appropriate rates times the multiples stated above. B. For reinsurance in excess of $2,000,000 on any one life, the Vanguard 134 and 136 ANB rates, excluding the policy fee, set forth in this Exhibit will be used. (1) The rates are applicable to males and also to females with an age adjustment factor. For females attained ages 0-10, use male rates for the same ages. For females ages 11-14, use male rate age 10. For females ages 15 and over, use male rates for an age of 4 years younger. (2) The "Substandard" reinsurance premiums set forth in this Exhibit shall be applied for the purpose of computing the substandard table extra premiums. Substandard table extra premiums shall be dropped at the later of age 65 and 20 years in force. The substandard extras in this Exhibit are for Table 1. For rating higher than Table 1, multiply above rate by the appropriate table. 3. FLAT EXTRA PREMIUM The flat extra premium will be the annual flat extra premium which you charge your insured on that amount of the insurance reinsured less the following allowances. Terms of Your First Renewal Flat Extra Premium Year Years ------------------ ----- ------- More than 4 years 85% 15% 4 years or less 15% 15% 4. RENEWAL AND CONVERSION OF INSURANCE The renewal and conversion of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. The Vanguard rates set forth in this Exhibit will be used, including the policy fee. Any conversions to a plan of insurance reinsured under this Agreement will be on a point-in-scale basis. 5. PREMIUM TAX We will not reimburse you for any premium taxes. THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE A SPECIFICATIONS Effective March 1, 1991 1. TYPE OF BUSINESS: Life insurance and disability waiver of monthly deduction and accidental death benefit issued by you. 2. PLANS OF INSURANCE: A. LVPlus2 (UL) B. X-881 (EIWL) C. Commonwealth 3 D. Additional Insured Rider E. XPlus (Eff. 7-1-89) F. XPlus2 (Eff. 11-1-90) 3. BASIS OF REINSURANCE: Pool - Our share is 20% for ages through 70 for all plans and 50% for ages 71 through 80 for the LVPlus 2 and X-881. 4. JUMBO LIMIT: A. Life $10,000,000 B. Disability Waiver of Premium $10,000,000 C. Accidental Death (Including Ages Amount Common Carrier) ----- -------- 0-4 -0- 5-15 $ 50,000 16-65 300,000 5. BINDING LIMIT: A. Life $1,500,000 through age 70 $ 500,000 Ages 71 - 75 $ 500,000 Ages 76 - 80 B. Disability Waiver of Premium Same as Life C. Accidental Death $100,000 6. MINIMUM AMOUNTS: Not applicable 7. YEARS TO RECAPTURE: Ten DISK K THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT I YOUR RETENTION LIMITS Effective March 1, 1991 1. LIFE Ages through 70 $500,000* Ages 71 - 75 250,000** Ages 76 - 80 100,000 *$100,000 corridor **$ 50,000 corridor 2. DISABILITY WAIVER OF PREMIUM Same as Life 3. ACCIDENTAL DEATH $200,000 THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT III INSTRUCTIONS FOR THE USE OF THE YEARLY RENEWABLE TERM PREMIUMS PER $1,000 OF REINSURANCE Effective November 1, 1990 1. Reinsurance premiums under this Agreement will be payable on the annual basis regardless of how you receive premiums from your insured. 2. STANDARD AND SUBSTANDARD TABLE EXTRA PREMIUMS A. The rates for the first $2,000,000 on any one life will be your company's appropriate rates set forth to this Exhibit times the following multiples for all years: (1) VLPlus2 (UL), X-881 (EIWL) and XPlus Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.29 1.34 1.16 1.23 (2) Commonwealth 3 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.36 1.41 1.22 1.29 (3) Additional Insured Rider Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.60 1.46 1.28 1.21 (4) XPlus2 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.22 1.27 1.10 1.17 We reserve the right to renegotiate the above multiples if you change the rates set forth in this Exhibit. EXHIBIT III CONTINUES . . . *In addition to existing preferred risk underwriting requirements, the following stipulations must be met for the preferred rates to apply: (1) No tobacco use (2) Standard with no more than 15 debits. (3) No risk factoring (4) No credits. (5) No diabetes. The substandard reinsurance rates will be an additional 25% per table rating of the appropriate rates times the multiples stated above. B. For reinsurance in excess of $2,000,000 on any one life, the Vanguard 134 and 136 ANB rates, excluding the policy fee, set forth in this Exhibit will be used. (1) The rates are applicable to males and also to females with an age adjustment factor. For females attained ages 0-10, use male rates for the same ages. For females ages 11-14, use male rate age 10. For females ages 15 and over, use male rates for an age of 4 years younger. (2) The "Substandard" reinsurance premiums set forth in this Exhibit shall be applied for the purpose of computing the substandard table extra premiums. Substandard table extra premiums shall be dropped at the later of age 65 and 20 years in force. The substandard extras in this Exhibit are for Table 1. For rating higher than Table 1, multiply above rate by the appropriate table. 3. FLAT EXTRA PREMIUM The flat extra premium will be the annual flat extra premium which you charge your insured on that amount of the insurance reinsured less the following allowances. Terms of Your First Renewal Flat Extra Premium Year Years ------------------ ----- ------- More than 4 years 85% 15% 4 years or less 15% 15% 4. RENEWAL AND CONVERSION OF INSURANCE The renewal and conversion of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. The Vanguard rates set forth in this Exhibit will be used, including the policy fee. Any conversions to a plan of insurance reinsured under this Agreement will be on a point-in-scale basis. 5. PREMIUM TAX We will not reimburse you for any premium taxes. THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE C EXCEPTIONS Effective January 1, 1991 1. ARTICLE I, BASIS OF REINSURANCE Subsection 2.B. does not apply to this Agreement. 2. ARTICLE III, FORMAL CESSION is replaced by the following: 1. You will inform us of any reinsurance by submitting a monthly accounting statement as described in Article VI. 3. ARTICLE V, REINSURANCE PREMIUMS Subsection 1.A. does not apply to this Agreement. 4. ARTICLE VI, PREMIUM ACCOUNTING Section 1. is changed as follows: 1. Payment of Reinsurance Premiums A. The reinsurance premiums will be paid to us on the basis stated in Exhibit III. B. Within twenty-five days after the close of each month, you will send us a copy of a statement listing first year and renewal reinsurance premiums less refunds and allowances (dividends and cash values, if applicable) and other data mutally agreed upon by both parties. C. If the net reinsurance premium balance is payable to us, you must include this payment with your statement. If the net reinsurance premium balance is not received by us or a statement is not prepared and sent to us within twenty-five days after the close of the month, the reinsurance premiums for all of the reinsurance risks listed on the statement will be delinquent. SCHEDULE C CONTINUES . . . Section 5. is added as follows: 5. Within sixty days after the close of the calendar year, you will send us an inforce listing of all policies reinsured under this Agreement. 5. ARTICLE XII, CLAIMS Sections 3. and 4. are combined as follows: 3. If a claim is made under insurance reinsured under this Agreement, we will abide the issue as it is settled by you. When you request payment of the reinsurance proceeds, you must deliver a copy of the proof of death and the claimant's statement to us. Section 11. is changed as follows: 11. In no event will we have any liability for any Extra-Contractual damages which are rendered against you as a result of acts, omissions or course of conduct committed by you in connection with the insurance reinsured under this Agreement. 6. EXHIBIT II - Not applicable to this Agreement. AMENDMENT No. 3 This Amendment, effective March 1, 1988, between THE LIFE INSURANCE COMPANY OF VIRGINIA, (Reinsured referred to as you, your), and TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY, (Reinsurer referred to as we, us, our), is attached and becomes a part of the Automatic Reinsurance Agreement (3935-3), dated March 1, 1988. 1. Schedule A is replaced by the attached Schedule A. 2. Exhibit I is replaced by the attached Exhibit I. 3. This Amendment does not alter, amend or modify the Reinsurance Agreement other than as stated in this Amendment. It is subject to all the terms and conditions of the Reinsurance Agreement together with all Amendments and supplements. Executed in duplicate by Executed in duplicate by THE LIFE INSURANCE TRANSAMERICA OCCIDENTAL COMPANY OF VIRGINIA LIFE INSURANCE COMPANY at Richmond, Virginia, at Los Angeles, California, on august 17, 1989. on July 21, 1989. By /s/ Illegible By /s/ Illegible ---------------------------- ------------------------- Title: _d Vice President Second Vice President By /s/ Illegible By /s/ Illegible ---------------------------- ------------------------- Title: Senior Vice President Second Vice President 39353A3 - PC1 THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE A SPECIFICATIONS Effective August 1, 1991 1. TYPE OF BUSINESS: Life insurance and disability waiver of monthly deduction and accidental death benefit issued by you. 2. PLANS OF INSURANCE: A. LVPlus2 (UL) B. X-881 (EIWL) C. Commonwealth 3 D. Additional Insured Rider E. XPlus (Eff. 7-1-89) F. XPlus2 (Eff. 11-1-90) 3. BASIS OF REINSURANCE: Pool - Our share is 20% for ages through 75 for all plans and 25% for ages 76 through 80 for the LVPlus 2 and X-881. 4. JUMBO LIMIT: A. Life $10,000,000 B. Disability Waiver of Premium $10,000,000 C. Accidental Death (Including Common Carrier) Ages Amount ----- -------- 0-4 -0- 5-15 $ 50,000 16-65 300,000 5. BINDING LIMIT: A. Life $1,500,000 through age 70 $ 750,000 Ages 71 - 75 $ 250,000 Ages 76 - 80 B. Disability Waiver of Premium Same as Life C. Accidental Death $ 100,000 6. MINIMUM AMOUNTS: Not applicable. 7. YEARS TO RECAPTURE: Ten DISK K THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE A SPECIFICATIONS 1. TYPE OF BUSINESS: Life insurance and disability waiver of monthly deduction and accidental death benefit issued by you. 2. PLANS OF INSURANCE A. Plus Two (UL) B. X-881 (EIWL) C. Commonwealth 3 3. BASIS OF REINSURANCE: Pool - Our share is 20% for ages through 70 and 50% for ages 71 through 80. 4. JUMBO LIMIT: A. Life $7,500,000 B. Disability Waiver of Premium $3,000,000 C. Accidental Death (Including Common Carrier) Ages Amount ----- -------- 0-4 -0- 5-15 $ 50,000 16-65 300,000 5. BINDING LIMIT: A. Life $1,000,000 through age 70 $ 500,000 Ages 71 - 75 $ 225,000 Ages 76 - 80 B. Disability Waiver of Premium Same as Life C. Accidental Death $ 100,000 6. MINIMUM AMOUNTS: Not applicable 7. YEARS TO RECAPTURE: Ten DISK J-K THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT I YOUR RETENTION LIMITS 1. LIFE Ages through 69 $500,000* Ages 70 - 75 250,000** Ages 76 - 80 25,000 *$50,000 corridor **$25,000 corridor 2. DISABILITY WAIVER OF PREMIUM $3,000,000 3. ACCIDENTAL DEATH $200,000 AMENDMENT No. 2 This Amendment, effective March 1, 1988, between THE LIFE INSURANCE COMPANY OF VIRGINIA, (Reinsured referred to as you, your), and TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY, (Reinsurer referred to as we, us, our), is attached and becomes a part of the Automatic Reinsurance Agreement (3935-3), dated March 1, 1988. 1. The Instructions to Exhibit III are hereby replaced by the attached Instructions to Exhibit III. All rates attached to Exhibit III will not be replaced. 2. This Amendment does not alter, amend or modify the Reinsurance Agreement other than as stated in this Amendment. It is subject to all the terms and conditions of the Reinsurance Agreement together with all Amendments and supplements. Executed in duplicate by Executed in duplicate by THE LIFE INSURANCE TRANSAMERICA OCCIDENTAL COMPANY OF VIRGINIA, LIFE INSURANCE COMPANY at Richmond, Virginia, at Los Angeles, California, on July 25, 1989. on , 19 . --------------- -- By /s/ Illegible By /s/ Illegible ------------------------------------ ----------------------------------- Title: _d Vice President Vice President and Actuary By /s/ Illegible By /s/ Illegible ------------------------------------ ----------------------------------- Title: Vice President & Actuary Second Vice President 39353A2 - PC2 THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT III INSTRUCTIONS FOR THE USE OF THE YEARLY RENEWABLE TERM PREMIUMS PER $1,000 OF REINSURANCE 1. Reinsurance premiums under this Agreement will be payable on the annual basis regardless of how you receive premiums from your insured. 2. STANDARD AND SUBSTANDARD TABLE EXTRA PREMIUMS A. The rates for the first $2,000,000 on any one life will be your company's appropriate rates set forth to this Exhibit times the following multiples for all years: (1) Plus Two (UL) and X-881 (EIWL) Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.29 1.34 1.16 1.23 (2) Commonwealth 3 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.36 1.41 1.22 1.29 We reserve the right to renegotiate the above multiples if you change the rates set forth in this Exhibit. *In addition to existing preferred risk underwriting requirements, the following stipulations must be met for the preferred rates to apply: (1) No tobacco use (2) Standard with no more than 15 debits. (3) No risk factoring (4) No credits. (5) No diabetes. The substandard reinsurance rates will be an additional 25% per table rating of the appropriate rates times the multiples stated above. EXHIBIT III CONTINUES . . . B. For reinsurance in excess of $2,000,000 on any one life, the Vanguard 134 and 136 ANB rates, excluding the policy fee, set forth in this Exhibit will be used. (1) The rates are applicable to males and also to females with an age adjustment factor. For females attained ages 0-10, use male rates for the same ages. For females ages 11-14, use male rate age 10. For females ages 15 and over, use male rates for an age of 4 years younger. (2) The "Substandard" reinsurance premiums set forth in this Exhibit shall be applied for the purpose of computing the substandard table extra premiums. Substandard table extra premiums shall be dropped at the later of age 65 and 20 years in force. The substandard extras in this Exhibit are for Table 1. For rating higher than Table 1, multiply above rate by the appropriate table. 3. FLAT EXTRA PREMIUM The flat extra premium will be annual flat extra premium which you charge your insured on that amount of the insurance reinsured less the following allowances. Terms of Your First Renewal Flat Extra Premium Year Years ------------------ ----- ------- More than 4 years 85% 15% 4 years or less 15% 15% 4. RENEWAL AND CONVERSION OF INSURANCE The renewal and conversion of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. The Vanguard rates set forth in this Exhibit will be used, including the policy fee. Any conversions to a plan of insurance reinsured under this Agreement will be on a point-in-scale basis. 5. PREMIUM TAX We will not reimburse you for any premium taxes. T R A N S A M E R I C A R E I N S U R A N C E AMENDMENT No. 1 This Amendment, effective March 1, 1988, between THE LIFE INSURANCE COMPANY OF VIRGINIA, (Reinsured referred to as you, your), and TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY, (Reinsurer referred to as we, us, our), is attached and becomes a part of the Automatic Reinsurance Agreement (3935-3), dated March 1, 1988. 1. Schedule A is replaced by the attached Schedule A. 2. Exhibit III is replaced by the attached Exhibit III. 3. This Amendment does not alter, amend or modify the Reinsurance Agreement other than as stated in this Amendment. It is subject to AMENDMENT No. 1 CONTINUES . . . [LOGO](R) Transamerica life companies Transamerica Occidental Life Insurance Company all the terms and conditions of the Reinsurance Agreement together with all Amendments and supplements. Executed in duplicate by Executed in duplicate by THE LIFE INSURANCE TRANSAMERICA OCCIDENTAL COMPANY OF VIRGINIA, LIFE INSURANCE COMPANY at Richmond, Virginia, at Los Angeles, California, on 7-14, 1988. on june 29, 1988. By /s/ Illegible By /s/ Illegible ------------------------------------ ----------------------------------- Title: ___ V.P. Vice President By /s/ Illegible By /s/ Illegible ------------------------------------ ----------------------------------- Title: Illegible Vice President and Actuary 39353A1 - No. 2 Transamerica Reinsurance -------------------------------------------------------------------------------- AMENDMENT No. 5 This Amendment, effective March 1, 1988, between THE LIFE INSURANCE COMPANY OF VIRGINIA, (Reinsured referred to as you, your), and TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY, (Reinsurer to as we, us, our), is attached and becomes a part of the Automatic Reinsurance Agreement (3935-3), dated March 1, 1988. 1. Schedule A is replaced by the attached Schedule A. 2. Exhibit III is replaced by the attached Exhibit III. 3. This Amendment does not alter, amend or modify the Reinsurance Agreement other than as stated in this Amendment. It is subject to all the terms and conditions of the Reinsurance Agreement together with all Amendments and supplements. Executed in duplicate by Executed in duplicate by THE LIFE INSURANCE TRANSAMERICA OCCIDENTAL COMPANY OF VIRGINIA LIFE INSURANCE COMPANY at Richmond, Virginia, at Charlotte, North Carolina, on October 2, 1992. on September 3, 1992 By /s/ Illegible By /s/ Illegible ------------------------------------ ----------------------------------- Title: __ V.P. Second Vice President By /s/ Illegible By /s/ Illegible ------------------------------------ ----------------------------------- Title: VP _ Actuary Second Vice President 39353A5 - PCI -------------------------------------------------------------------------------- [LOGO](R) Transamerica life companies Transamerica Reinsurance -------------------------------------------------------------------------------- AMENDMENT No.7 This Amendment, effected September 1, 1993, between The Life Insurance Company of Virginia, (Reinsured referred to as you, your) and Transamerica Occidental Life Insurance Company, (Reinsurer referred to as we, us, our), is attached and becomes part of the Reinsurance Agreement (3935-3), dated March 1, 1998. 1. Schedule A is replaced by the attached Schedule A. 2. Exhibit III is replaced by the attached Exhibit III. 3. This Amendment does not alter, amend or modify the Reinsurance Agreement other than as stated in this Amendment. It is subject to all the terms and conditions of the Reinsurance Agreement together with all Amendments and supplements. Executed in duplicate by Executed in duplicate by THE LIFE INSURANCE TRANSAMERICA OCCIDENTAL COMPANY OF VIRGINIA INSURANCE COMPANY at Richmond, Virginia, at Charlotte, North Carolina, on Oct 22, 1993. on October 12, 1993 By /s/ Illegible By /s/ Illegible ------------------------------------ ----------------------------------- Title: __ V.P. Second Vice President By /s/ Illegible By /s/ Illegible ------------------------------------ ----------------------------------- Title: _________ Actuary Second Vice President BD 39353A7 - B3 -------------------------------------------------------------------------------- [LOGO](R) Transamerica life companies THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE A SPECIFICATIONS 1. TYPE OF BUSINESS: Life insurance and disability waiver of monthly deduction and accidental death benefit issued by you. 2. PLANS OF INSURANCE: A. LVPlus2(UL) B. X-881 (EIWL) C. X-871 (EIWL)(Eff. 3-1-88) D. Commonwealth 3 E. Additional Insured Rider F. XPlus (Eff. 7-1-89) G. XPlus2 (Eff. 11-1-90) H. Dominion Life (EIWL)(Eff. 2-1-93) I. Dominion Life 65 (EIWL)(Eff. 9-1-93) 3. BASIC OF REINSURANCE: Pool - Our share is 20% for ages through 75 for all plans and 25% for ages 76 through 80 for the LVPlus 2 and X-881. 4. JUMBO LIMIT: A. Life $10,000,000 B. Disability Waiver of Preminum $10,000,000 C. Accidental Death (Including Ages Amount Common Carrier) ----- --------- 0-4 -0- 5-15 $ 50,000 16-65 300,000 5. OUR BINDING LIMIT: A. Life $1,500,000 through age 70 $ 750,000 Ages 71 - 75 $ 250,000 Ages 76 - 80 B. Disability Waiver of Premium Same as Life C. Accidental Death $100,000 6. MINIMUM AMOUNTS: Not applicable 7. YEARS TO RECAPTURE: Ten, except fifteen for Dominion Life. DISK K THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT III INSTRUCTIONS FOR THE USE OF THE YEARLY RENEWABLE TERM PREMIUMS PER $1,000 OF REINSURANCE Effective September 1, 1993 1. Reinsurance premiums under this Agreement will be payable on the annual basis regardless of how you receive premiums from your insured. 2. STANDARD AND SUBSTANDARD TABLE EXTRA PREMIUMS A. The rates for the first $2,000,000 on any one life will be your company's appropriate rates set forth to this Exhibit times the following multiples for all years: (1) LVPlus2 (UL), X-881 (EIWL), X-871 (EIWL) and XPlus Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.29 1.34 1.16 1.23 (2) Commonwealth 3 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.36 1.41 1.22 1.29 (3) Additional Insured Rider Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.60 1.46 1.28 1.21 (4) XPlus2 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.22 1.27 1.10 1.17 EXHIBIT III CONTINUES . . . (4) Dominion Life and Dominion Life 65 Issue Preferred* Preferred* Ages Non-Smoker Non-Smoker Smoker Smoker ----- ---------- ---------- ---------- ------ 0-40 1.40 1.16 1.40 1.06 41-60 1.20 1.16 1.20 1.06 61+ 1.20 1.16 1.20 1.06 We reserve the right to renegotiate the above multiples if you change the rates set forth in this Exhibit. *In addition to existing preferred risk underwriting requirements, the following stipulations must be met for the preferred rates to apply: (1) No tobacco use (2) Standard with no more than 15 debits. (3) No risk factoring (4) No credits. (5) No diabetes. The substandard reinsurance rates will be an additional 25% per table rating of the appropriate rates times the multiples stated above. B. For reinsurance in excess of $2,000,000 on any one life, the Vanguard 134 and 136 ANB rates, excluding the policy fee, set forth in this Exhibit will be used. (1) The rates are applicable to males and also to females with an age adjustment factor. For females attained ages 0-10, use male rates for the same ages. For females ages 11-14, use male rate age 10. For females ages 15 and over, use male rates for an age of 4 years younger. (2) The "Substandard" reinsurance premiums set forth in this Exhibit shall be applied for the purpose of computing the substandard table extra premiums. Substandard table extra premiums shall be dropped at the later of age 65 and 20 years in force. The substandard extras in this Exhibit are for Table 1. For rating higher than Table 1, multiply above rate by the appropriate table. 3. FLAT EXTRA PREMIUM The flat extra premium will be the annual flat extra premium which you charge your insured on that amount of the insurance reinsured less the following allowances. Terms of Your First Renewal Flat Extra Premium Year Years ------------------ ----- ------- More than 4 years 85% 15% 4 years or less 15% 15% EXHIBIT III CONTINUES . . . 4. RENEWAL AND CONVERSION OF INSURANCE The renewal and conversion of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. The Vanguard rates set forth in this Exhibit will be used, including the policy fee. Any conversions to a plan of insurance reinsured under this Agreement will be on a point-in-scale basis. 5. PREMIUM TAX We will not reimburse you for any premium taxes. Transamerica Reinsurance -------------------------------------------------------------------------------- SPECIAL DAC TAX AMENDMENT This Amendment, effective February 15, 1993, between THE LIFE INSURANCE COMPANY OF VIRGINIA (referred to as Ceding Company; Reinsured; you, your), and TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY (referred to as Transamerica Occidental; Reinsurer; we, us, our), hereby amends and becomes a part of the Reinsurance Agreement (No. 3935-3), dated March 1, 1988. 1. The attached DAC Tax Article, entitled Section 1.848-2(g)(8) Election, is hereby added to the Agreement. 2. This Amendment does not alter, amend or modify the Reinsurance Agreement other than as stated in this Amendment. It is subject to all of the terms and conditions of the Reinsurance Agreement together with all Amendments and supplements. Executed in duplicate by Executed in duplicate by THE LIFE INSURANCE TRANSAMERICA OCCIDENTAL COMPANY OF VIRGINIA LIFE INSURANCE COMPANY at Richmond, Virginia, at Charlotte, North Carolina, on Feb 16, 1993. on January 29, 1993. By: /s/ Illegible By: /s/ John V. Dohmer ------------------------------------ ----------------------------------- Title ___ VP Title Vice President By: /s/ Illegible By: /s/ Illegible ------------------------------------ ----------------------------------- Title Title 2nd Vice President DAC TAX ARTICLE Section 1.848-2(g)(8) Election The Reinsured and the Reinsurer hereby agree to the following pursuant to Section 1.848-2(g)(8) of the Income Tax Regulations issued December 1992, under Section 848 of the Internal Revenue Code of 1986, as amended. This election shall be effective for 1992 and for all subsequent taxable years for which this Agreement remains in effect. 1. The term "party" will refer to either the Reinsured or the Reinsurer as appropriate. 2. The terms used in this Article are defined by reference to Regulation Section 1.848-2 in effect December 1992. 3. The party with the net positive consideration for this Agreement for each taxable year will capitalize specified policy acquisition expenses with respect to this Agreement without regard to the general deductions limitation of Section 848(c)(1). 4. Both parties agree to exchange information pertaining to the amount of net consideration under this Agreement each year to ensure consistency or is otherwise required by the Internal Revenue Service. 5. The Reinsured will submit a schedule to the Reinsurer by May 1 of each year of its calculation of the net consideration for the preceding calendar year. This schedule of calculations will be accompanied by a statement signed by an officer of the Reinsured stating that the Reinsured will report such net consideration in its tax return for the preceding calendar year. 6. The Reinsurer may contest such calculation by providing an alternative calculation to the Reinsured in writing within 30 days of the Reinsurer's receipt of the Reinsured's calculation. If the Reinsurer does not so notify the Reinsured, the Reinsurer will report the net consideration as determined by the Reinsured in the Reinsurer's tax return for the previous calendar year. 7. If the Reinsurer contests the Reinsured's calculation of the net consideration, the parties will act in good faith to reach an agreement as to the correct amount within thirty (30) days of the date the Reinsurer submits its alternative calculation. If the Reinsured and the Reinsurer reach agreement on an amount of net consideration, each party shall report such amount in their respective tax returns for the previous calendar year. Transamerica Reinsurance -------------------------------------------------------------------------------- AMENDMENT NO. 6 This Amendment, effective February 1, 1993, between THE LIFE INSURANCE COMPANY OF VIRGINIA, (Reinsured referred to as you, your), and TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY, (Reinsurer referred to as we, us, our), is attached and becomes a part of the Automatic Reinsurance Agreement (3935-3), dated March 1, 1988. 1. Schedule A is replaced by the attached Schedule A. 2. Exhibit III replaced by the attached Exhibit III. 3. This Amendment does not alter, amend or modify the Reinsurance Agreement other than as stated in this Amendment. It is subject to all the terms and conditions of the Reinsurance Agreement together with all Amendments and supplements. Executed in duplicate by Executed in duplicate by THE LIFE INSURANCE TRANSAMERICA OCCIDENTAL COMPANY OF VIRGINIA LIFE INSURANCE COMPANY at Richmond, Virginia, at Charlotte, North Carolina, on April 29, 1993. on April 20, 1993. By: /s/ Illegible By: /s/ Illegible ------------------------------------ ----------------------------------- Title ___ V.P. Second Vice President By: /s/ Illegible By: /s/ Illegible ------------------------------------ ----------------------------------- Title VP ____ Second Vice President 39353A6 - PC1 THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE A SPECIFICATIONS Effective February 1, 1993 1. TYPE OF BUSINESS: Life insurance and disability waiver of monthly deduction and accidental death benefit issued by you. 2. PLANS OF INSURANCE: A. LVPlus2 (UL) B. X-881 (EIWL) C. X-871 (EIWL) (Eff. 3-1-88) D. Commonwealth 3 E. Additional Insured Rider F. XPlus (Eff. 7-1-89) G. XPlus2 (Eff. 11-1-90) H. Dominion Life (EIWL) (Eff. 2-1-93) 3. BASIS OF REINSURANCE: Pool - Our share is 20% for ages through 75 for all plans and 25% for ages 76 through 80 for the LVPlus 2 and X-881. 4. JUMBO LIMIT: A. Life $10,000,000 B. Disability Waiver of Premium $10,000,000 C. Accidental Death (Including Ages Amount Common Carrier) ----- ------- 0-4 -0- 5-15 $50,000 16-65 300,000 5. OUR BINDING LIMIT: A. Life $1,500,000 through age 70 $750,000 Ages 71 - 75 $250,000 Ages 76 - 80 B. Disability Waiver of Premium Same as Life C. Accidental Death $100,000 6. MINIMUM AMOUNTS: Not applicable 7. YEARS TO RECAPTURE: Ten, except fifteen for Dominion Life. DISK K THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT III INSTRUCTIONS FOR THE USE OF THE YEARLY RENEWABLE TERM PREMIUMS PER $1,000 OF REINSURANCE Effective February 1, 1993 1. Reinsurance premiums under this Agreement will be payable on the annual basis regardless of how you receive premiums from your insured. 2. STANDARD AND SUBSTANDARD TABLE EXTRA PREMIUMS A. The rates for the first $2,000,000 on any one life will be your company's appropriate rates set forth to this Exhibit times the following multiples for all years: (1) LVPlus2 (UL), X-881 (EIWL), X-871 (EIWL) and XPlus Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.29 1.34 1.16 1.23 (2) Commonwealth 3 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.36 1.41 1.22 1.29 (3) Additional Insured Rider Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.60 1.46 1.28 1.21 (4) XPlus 2 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.22 1.27 1.10 1.17 EXHIBIT III CONTINUES . . . (4) Dominion Life Issue Preferred* Preferred Ages Non-Smoker Non-Smoker Smoker Smoker ----- ---------- ---------- --------- ------ 0-40 1.40 1.16 1.40 1.06 41-60 1.20 1.16 1.20 1.06 61+ 1.20 1.16 1.20 1.06 We reserve the right to renegotiate the above multiples if you change the rates set forth in this Exhibit. *In addition to existing preferred risk underwriting requirements, the following stipulations must be met for the preferred rates to apply: (1) No tobacco use (2) Standard with no more than 15 debits. (3) No risk factoring (4) No credits. (5) No diabetes. The substandard reinsurance rates will be an additional 25% per table rating of the appropriate rates times the multiples stated above. B. For Reinsurance in excess of $2,000,000 on any one life, the Vanguard 134 and 136 ANB rates, excluding the policy fee, set forth in this Exhibit will be used. (1) The rates are applicable to males and also to females with an age adjustment factor. For females attained ages 0-10, use male rates for the same ages. For females ages 11-14, use male rate age 10. For females ages 15 and over, use male rates for an age of 4 years younger. (2) The "Substandard" reinsurance premiums set forth in this Exhibit shall be applied for the purpose of computing the substandard table extra premiums. Substandard table extra premiums shall be dropped at the later of age 65 and 20 years in force. The substandard extras in this Exhibit are for Table 1. For rating higher than Table 1, multiply above rate by the appropriate table. 3. FLAT EXTRA PREMIUM The flat extra premium will be the annual flat extra premium which you charge your insured on that amount of the insurance reinsured less the following allowances. Terms of Your First Renewal Flat Extra Premium Year Years ------------------ ----- ------- More than 4 Years 85% 15% 4 years or less 15% 15% EXHIBIT III CONTINUES . . . 4. RENEWAL AND CONVERSION OF INSURANCE The renewal and conversion of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. The Vanguard rates set forth in this Exhibit will be used, including the policy fee. Any conversions to a plan of insurance reinsured under this Agreement will be on a point-in-scale basis. 5. PREMIUM TAX We will not reimburse you for any premium taxes. PREFERRED NON-SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 -- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 0.839 15 0.693 0.830 0.954 1.055 1.124 1.162 0.834 0.792 16 0.840 0.963 1.021 1.078 1.113 0.818 0.788 0.755 17 0.966 1.023 1.048 1.072 0.801 0.770 0.743 0.716 18 0.966 1.011 1.034 0.765 0.762 0.720 0.692 0.667 19 0.924 0.979 0.725 0.715 0.701 0.659 0.635 0.611 20 0.861 0.670 0.675 0.661 0.640 0.588 0.578 0.557 21 0.554 0.610 0.632 0.624 0.605 0.567 0.579 0.572 22 0.484 0.540 0.567 0.556 0.539 0.519 0.514 0.510 23 0.430 0.475 0.503 0.494 0.487 0.465 0.463 0.460 24 0.373 0.412 0.439 0.444 0.435 0.423 0.416 0.421 25 0.332 0.364 0.396 0.400 0.405 0.393 0.395 0.405 26 0.307 0.340 0.365 0.376 0.386 0.387 0.394 0.402 27 0.299 0.321 0.348 0.364 0.380 0.392 0.401 0.414 28 0.298 0.321 0.342 0.364 0.385 0.400 0.414 0.440 29 0.307 0.325 0.348 0.375 0.400 0.419 0.447 0.470 30 0.313 0.336 0.364 0.385 0.414 0.447 0.469 0.507 31 0.316 0.348 0.370 0.400 0.434 0.464 0.500 0.543 32 0.320 0.352 0.382 0.417 0.448 0.489 0.535 0.587 33 0.313 0.352 0.392 0.429 0.474 0.520 0.575 0.629 34 0.299 0.350 0.392 0.441 0.494 0.548 0.605 0.666 35 0.301 0.356 0.411 0.472 0.530 0.591 0.653 0.724 36 0.304 0.376 0.443 0.514 0.583 0.650 0.726 0.805 37 0.321 0.402 0.482 0.565 0.644 0.721 0.805 0.893 38 0.344 0.439 0.535 0.626 0.716 0.801 0.891 0.997 39 0.375 0.489 0.594 0.697 0.794 0.889 0.993 1.115 40 0.412 0.543 0.663 0.779 0.879 0.985 1.109 1.244 41 0.450 0.599 0.740 0.863 0.977 1.100 1.230 1.375 42 0.489 0.659 0.810 0.952 1.086 1.218 1.359 1.518 43 0.528 0.714 0.886 1.048 1.196 1.340 1.491 1.663 44 0.566 0.773 0.969 1.148 1.305 1.463 1.628 1.810 45 0.611 0.841 1.055 1.255 1.427 1.599 1.778 1.980 46 0.660 0.909 1.146 1.371 1.568 1.754 1.956 2.180 47 0.709 0.989 1.252 1.504 1.733 1.946 2.165 2.417 48 0.759 1.077 1.375 1.656 1.934 2.178 2.426 2.715 49 0.814 1.175 1.511 1.838 2.158 2.445 2.741 3.068 50 0.870 1.285 1.667 2.033 2.398 2.741 3.087 3.457 51 0.930 1.407 1.837 2.244 2.655 3.053 3.446 3.842 52 0.999 1.537 2.016 2.471 2.919 3.361 3.783 4.234 53 1.072 1.672 2.207 2.699 3.185 3.640 4.108 4.599 54 1.156 1.820 2.405 2.935 3.440 3.923 4.417 4.948 55 1.249 1.985 2.625 3.182 3.723 4.219 4.730 5.301 56 1.362 2.172 2.866 3.475 4.031 4.538 5.079 5.696 57 1.499 2.389 3.161 3.811 4.375 4.912 5.496 6.154 58 1.658 2.661 3.513 4.206 4.798 5.382 6.008 6.696 59 1.856 2.978 3.916 4.666 5.315 5.949 6.610 7.322 60 2.081 3.330 4.364 5.183 5.914 6.589 7.286 8.030 61 2.339 3.709 4.844 5.753 6.557 7.278 8.020 8.839 62 2.631 4.104 5.339 6.357 7.214 8.000 8.821 9.717 63 2.959 4.562 5.890 6.988 7.885 8.742 9.632 10.623 64 3.330 5.098 6.514 7.651 8.599 9.510 10.473 11.563 65 3.743 5.668 7.178 8.346 9.360 10.345 11.392 12.633 66 4.191 6.233 7.833 9.061 10.182 11.276 12.474 13.860 67 4.690 6.750 8.420 9.792 11.078 12.362 13.733 15.378 68 5.232 7.227 8.961 10.526 12.065 13.600 15.290 17.246 69 5.825 7.709 9.494 11.284 13.116 15.040 17.125 19.506 70 6.466 8.173 10.026 12.033 14.253 16.632 19.243 22.134 71 7.104 8.988 11.012 13.212 15.615 18.214 21.072 24.231 72 7.809 9.871 12.090 14.478 17.106 19.950 23.074 26.519 73 8.564 10.824 13.232 15.838 18.709 21.814 25.214 28.984 74 9.241 11.655 14.238 17.040 20.126 23.456 27.115 31.164 75 9.771 12.316 15.048 18.005 21.254 24.771 28.633 32.891 76 10.210 12.868 15.718 18.799 22.192 25.862 29.877 34.310 77 10.658 13.429 16.397 19.612 23.148 26.961 31.138 35.745 78 11.350 14.295 17.455 20.875 24.624 28.673 33.104 37.989 79 12.368 15.578 19.019 22.732 26.808 31.205 36.015 41.310 80 13.___ 16.888 20.630 24.638 28.066 33._98 38.990 44.709 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE -- ------ ------ ------ ------ ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.011 21 7 0.683 0.838 0.996 1.139 1.254 1.306 0.990 0.973 22 8 0.842 0.998 1.138 1.250 1.299 0.973 0.954 0.946 23 9 1.001 1.139 1.248 1.294 0.959 0.939 0.929 0.926 24 10 1.139 1.246 1.291 0.946 0.925 0.915 0.911 0.893 25 11 1.223 1.262 0.914 0.890 0.877 0.871 0.851 0.839 26 12 1.231 0.879 0.854 0.838 0.829 0.807 0.794 0.768 27 13 0.856 0.819 0.801 0.789 0.765 0.748 0.721 0.727 28 14 0.801 0.773 0.759 0.733 0.715 0.687 0.690 0.689 29 15 0.761 0.730 0.709 0.688 0.658 0.660 0.656 0.648 30 16 0.723 0.693 0.664 0.640 0.640 0.635 0.626 0.620 31 17 0.685 0.655 0.629 0.629 0.624 0.614 0.607 0.587 32 18 0.643 0.622 0.587 0.593 0.589 0.588 0.577 0.547 33 19 0.597 0.574 0.549 0.558 0.562 0.566 0.546 0.527 34 20 0.543 0.535 0.508 0.524 0.529 0.529 0.522 0.512 35 21 0.579 0.583 0.562 0.562 0.550 0.539 0.534 0.505 36 22 0.517 0.531 0.525 0.515 0.516 0.521 0.515 0.505 37 23 0.470 0.490 0.487 0.486 0.503 0.509 0.514 0.534 38 24 0.437 0.452 0.465 0.472 0.490 0.512 0.539 0.570 39 25 0.417 0.436 0.460 0.473 0.505 0.547 0.581 0.620 40 26 0.418 0.446 0.468 0.498 0.542 0.594 0.639 0.682 41 27 0.439 0.464 0.495 0.540 0.593 0.652 0.705 0.751 42 28 0.462 0.497 0.537 0.588 0.645 0.712 0.772 0.836 43 29 0.503 0.553 0.599 0.649 0.711 0.781 0.854 0.928 44 30 0.553 0.609 0.659 0.715 0.780 0.862 0.941 1.038 45 31 0.602 0.660 0.716 0.780 0.858 0.947 1.043 1.163 46 32 0.648 0.714 0.779 0.858 0.943 1.049 1.168 1.309 47 33 0.695 0.770 0.849 0.935 1.044 1.176 1.316 1.469 48 34 0.736 0.816 0.907 1.015 1.154 1.312 1.468 1.659 49 35 0.805 0.886 0.996 1.128 1.289 1.465 1.646 1.873 50 36 0.888 0.984 1.114 1.263 1.441 1.642 1.850 2.094 51 37 0.991 1.103 1.246 1.407 1.604 1.832 2.069 2.326 52 38 1.110 1.235 1.384 1.562 1.777 2.032 2.316 2.600 53 39 1.244 1.374 1.538 1.729 1.964 2.257 2.596 2.916 54 40 1.383 1.532 1.706 1.912 2.178 2.512 2.910 3.307 55 41 1.533 1.698 1.890 2.126 2.426 2.805 3.271 3.769 56 42 1.692 1.877 2.102 2.377 2.715 3.148 3.679 4.291 57 43 1.848 2.074 2.340 2.662 3.056 3.540 4.137 4.814 58 44 2.015 2.286 2.605 2.989 3.443 3.988 4.608 5.397 59 45 2.204 2.523 2.908 3.355 3.879 4.456 5.158 6.005 60 46 2.432 2.797 3.241 3.757 4.330 4.995 5.765 6.663 61 47 2.727 3.117 3.616 4.173 4.840 5.587 6.437 7.401 62 48 3.077 3.487 4.006 4.642 5.388 6.226 7.187 8.260 63 49 3.467 3.881 4.456 5.149 5.975 6.927 8.020 9.241 64 50 3.859 4.323 4.935 5.689 6.610 7.688 8.937 10.315 65 51 4.283 4.787 5.458 6.305 7.351 8.604 10.051 11.663 66 52 4.711 5.261 6.031 7.007 8.229 9.692 11.402 13.322 67 53 5.131 5.739 6.620 7.735 9.110 10.760 12.717 15.042 68 54 5.550 6.235 7.262 8.558 10.134 12.028 14.393 17.084 69 55 5.988 6.760 7.931 9.403 11.178 13.383 16.078 19.080 70 56 6.450 7.318 8.654 10.326 12.395 14.892 17.969 21.469 71 57 6.940 7.929 9.424 11.341 13.650 16.441 19.872 23.907 72 58 7.498 8.607 10.309 12.443 15.033 18.163 22.030 26.340 73 59 8.166 9.402 11.304 13.705 16.660 20.282 24.543 29.449 74 60 8.967 10.288 12.374 15.019 18.340 22.283 27.047 32.448 75 61 9.859 11.274 13.590 16.565 20.222 24.732 30.078 36.267 76 62 10.840 12.373 14.920 18.103 22.167 27.130 33.050 39.983 77 63 11.865 13.556 16.314 19.881 24.417 30.017 36.689 44.671 78 64 12.967 14.767 17.839 21.790 26.882 33.176 40.666 49.769 79 65 14.170 16.166 19.543 23.947 29.626 36.661 45.024 55.186 80 66 15.622 17.804 21.551 26.438 32.724 40.501 49.800 60.839 81 67 17.384 19.812 23.969 29.349 36.231 44.765 55.031 67.040 82 68 19.580 22.285 26.891 32.751 40.222 49.483 60.721 73.762 83 69 22.222 25.236 30.316 36.670 44.694 54.638 66.888 81.449 84 70 25.286 28.631 34.245 41.081 49.626 60.251 73.546 89.994 85 71 27.670 31.335 37.565 45.138 54.623 66.417 81.186 99.462 86 72 30.289 34.292 41.285 49.819 60.508 73.824 90.508 111.185 87 73 33.096 37.448 45.298 54.878 66.895 81.866 100.665 124.774 88 74 35.565 40.234 48.763 59.182 72.256 88.556 109.650 136.123 89 75 37.527 42.435 51.539 62.661 76.616 94.528 117.243 145.811 90 76 39.130 44.234 53.700 65.264 80.156 98.903 122.716 152.647 91 77 40.753 46.048 55.884 68.185 83.751 103.379 128.295 159.617 92 78 43.291 48.900 59.548 72.662 89.285 110.232 136.825 168.827 93 79 47.061 53.313 64.927 79.257 97.408 120.283 148.146 182.794 94 80 51.055 57.843 70.471 86.041 105.766 129.659 159.693 197.022 95
PREFERRED SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 -- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.220 15 0.693 0.830 0.954 1.055 1.124 1.162 1.211 1.168 16 0.840 0.963 1.021 1.078 1.113 1.188 1.162 1.130 17 0.966 1.023 1.048 1.072 1.164 1.136 1.112 1.088 18 0.966 1.011 1.034 1.112 1.124 1.077 1.052 1.035 19 0.924 0.979 1.053 1.055 1.049 1.003 0.986 0.966 20 0.861 0.973 0.996 0.990 0.973 0.914 0.914 0.903 21 0.805 0.900 0.946 0.949 0.940 0.896 0.937 0.950 22 0.714 0.808 0.862 0.864 0.853 0.840 0.854 0.874 23 0.643 0.722 0.781 0.781 0.788 0.773 0.793 0.824 24 0.567 0.640 0.694 0.718 0.723 0.725 0.746 0.778 25 0.516 0.575 0.641 0.665 0.693 0.705 0.728 0.764 26 0.486 0.550 0.607 0.644 0.691 0.715 0.742 0.778 27 0.485 0.534 0.596 0.651 0.701 0.738 0.776 0.818 28 0.495 0.549 0.612 0.671 0.726 0.773 0.818 0.875 29 0.526 0.582 0.642 0.706 0.773 0.828 0.888 0.955 30 0.560 0.621 0.685 0.746 0.820 0.890 0.952 1.038 31 0.583 0.656 0.717 0.792 0.863 0.943 1.023 1.129 32 0.602 0.680 0.756 0.829 0.910 1.000 1.113 1.233 33 0.605 0.697 0.779 0.870 0.970 1.081 1.208 1.342 34 0.592 0.697 0.796 0.903 1.027 1.151 1.289 1.437 35 0.599 0.724 0.842 0.982 1.115 1.261 1.410 1.575 36 0.616 0.771 0.922 1.080 1.244 1.404 1.580 1.764 37 0.658 0.836 1.014 1.204 1.389 1.570 1.764 1.977 38 0.716 0.922 1.140 1.352 1.558 1.757 1.973 2.219 39 0.788 1.042 1.282 1.517 1.741 1.968 2.211 2.470 40 0.878 1.172 1.442 1.708 1.948 2.194 2.458 2.746 41 0.970 1.303 1.621 1.910 2.176 2.437 2.715 3.022 42 1.064 1.445 1.795 2.119 2.407 2.690 2.989 3.324 43 1.158 1.580 1.974 2.321 2.640 2.946 3.266 3.619 44 1.254 1.720 2.147 2.534 2.870 3.205 3.544 3.910 45 1.361 1.863 2.329 2.759 3.125 3.481 3.840 4.218 46 1.463 2.006 2.519 3.003 3.413 3.789 4.169 4.593 47 1.566 2.174 2.743 3.273 3.743 4.146 4.562 5.025 48 1.669 2.359 2.993 3.577 4.121 4.588 5.043 5.550 49 1.783 2.557 3.262 3.916 4.546 5.083 5.603 6.162 50 1.893 2.775 3.552 4.283 4.985 5.604 6.200 6.816 51 2.008 2.998 3.869 4.666 5.429 6.132 6.794 7.449 52 2.130 3.238 4.193 5.052 5.863 6.628 7.334 8.014 53 2.259 3.478 4.512 5.421 6.279 7.056 7.776 8.507 54 2.403 3.721 4.830 5.787 6.669 7.425 8.169 8.970 55 2.554 3.987 5.176 6.168 7.046 7.804 8.575 9.419 56 2.735 4.282 5.557 6.577 7.456 8.226 9.026 9.922 57 2.955 4.631 5.983 7.050 7.931 8.730 9.575 10.498 58 3.215 5.037 6.497 7.625 8.526 9.376 10.249 11.188 59 3.513 5.509 7.099 8.292 9.258 10.149 11.044 11.976 60 3.848 6.037 7.756 9.029 10.089 11.009 11.917 12.851 61 4.240 6.592 8.438 9.814 10.955 11.904 12.835 13.826 62 4.676 7.149 9.108 10.621 11.800 12.802 13.798 14.855 63 5.155 7.782 9.841 11.430 12.619 13.675 14.725 15.864 64 5.682 8.519 10.654 12.244 13.451 14.539 15.639 16.855 65 6.253 9.270 11.487 13.056 14.309 15.448 16.606 17.966 66 6.854 9.975 12.254 13.853 15.205 16.437 17.740 19.221 67 7.505 10.559 12.872 14.623 16.148 17.581 19.044 20.777 68 8.184 11.048 13.381 15.345 17.158 18.859 20.659 22.842 69 8.905 11.511 13.840 16.047 18.188 20.322 22.683 25.313 70 9.655 11.914 14.258 16.687 19.258 22.029 24.972 28.133 71 10.356 12.782 15.270 17.851 20.682 23.637 26.784 30.152 72 11.105 13.688 16.335 19.176 22.198 25.358 28.713 32.293 73 11.876 14.625 17.526 20.552 23.781 27.144 30.703 34.524 74 12.486 15.437 18.477 21.659 25.044 28.562 32.298 36.286 75 12.942 15.983 19.126 22.405 25.882 29.506 33.339 37.423 76 13.249 16.356 19.559 22.892 26.433 30.113 33.994 38.124 77 13.547 16.711 19.967 23.361 26.952 30.676 34.600 38.762 78 14.123 17.408 20.792 24.305 28.016 31.860 35.898 40.182 79 15.061 18.556 22.145 25.864 29.787 33.838 38.094 42.595 80 15.984 19.676 23.460 27.377 31.497 35.750 40.203 44.910 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE -- ------ ------ ------ ------ ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.566 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.517 1.530 22 8 0.842 0.998 1.138 1.250 1.299 1.477 1.486 1.590 23 9 1.001 1.139 1.248 1.294 1.441 1.447 1.468 1.502 24 10 1.139 1.246 1.291 1.406 1.412 1.431 1.463 1.478 25 11 1.223 1.262 1.343 1.343 1.357 1.384 1.394 1.414 26 12 1.231 1.278 1.274 1.283 1.304 1.310 1.324 1.326 27 13 1.243 1.209 1.213 1.227 1.228 1.236 1.233 1.287 28 14 1.181 1.157 1.167 1.164 1.168 1.162 1.210 1.256 29 15 1.139 1.111 1.114 1.113 1.102 1.145 1.185 1.237 30 16 1.099 1.076 1.063 1.059 1.099 1.135 1.183 1.220 31 17 1.063 1.036 1.031 1.069 1.103 1.149 1.183 1.179 32 18 1.016 1.007 0.986 1.038 1.092 1.133 1.148 1.128 33 19 0.966 0.954 0.950 1.022 1.073 1.115 1.115 1.111 34 20 0.902 0.915 0.921 0.990 1.032 1.069 1.090 1.085 35 21 0.991 1.045 1.050 1.084 1.101 1.114 1.120 1.093 36 22 0.926 0.980 1.001 1.020 1.054 1.081 1.104 1.103 37 23 0.867 0.923 0.953 0.982 1.033 1.080 1.110 1.185 38 24 0.823 0.874 0.930 0.960 1.029 1.095 1.184 1.278 39 25 0.807 0.862 0.925 0.982 1.069 1.189 1.289 1.408 40 26 0.827 0.887 0.960 1.043 1.166 1.305 1.438 1.568 41 27 0.873 0.942 1.026 1.149 1.289 1.451 1.605 1.742 42 28 0.938 1.017 1.131 1.264 1.421 1.606 1.774 1.953 43 29 1.030 1.151 1.274 1.416 1.587 1.776 1.976 2.189 44 30 1.151 1.280 1.421 1.578 1.756 1.973 2.198 2.463 45 31 1.264 1.407 1.564 1.737 1.944 2.190 2.451 2.747 46 32 1.382 1.541 1.714 1.922 2.158 2.440 2.732 3.080 47 33 1.500 1.675 1.882 2.118 2.403 2.723 3.066 3.442 48 34 1.601 1.789 2.032 2.311 2.644 3.025 3.405 3.872 49 35 1.764 1.963 2.244 2.557 2.942 3.364 3.805 4.345 50 36 1.967 2.192 2.497 2.852 3.274 3.758 4.249 4.820 51 37 2.206 2.444 2.783 3.163 3.632 4.166 4.717 5.283 52 38 2.461 2.727 3.079 3.498 3.998 4.584 5.207 5.838 53 39 2.747 3.021 3.406 3.849 4.386 5.024 5.772 6.463 54 40 3.040 3.354 3.755 4.223 4.798 5.528 6.386 7.205 55 41 3.357 3.696 4.128 4.633 5.283 6.093 7.057 8.068 56 42 3.684 4.053 4.531 5.121 5.835 6.722 7.798 9.016 57 43 3.991 4.420 4.986 5.661 6.458 7.427 8.608 9.947 58 44 4.293 4.815 5.479 6.250 7.149 8.214 9.428 10.887 59 45 4.642 5.247 6.013 6.891 7.906 9.024 10.302 11.839 60 46 5.057 5.719 6.583 7.576 8.677 9.875 11.253 12.874 61 47 5.576 6.261 7.211 8.273 9.470 10.796 12.315 14.017 62 48 6.181 6.875 7.855 8.986 10.303 11.791 13.478 15.336 63 49 6.836 7.523 8.531 9.739 11.196 12.860 14.744 16.803 64 50 7.480 8.182 9.234 10.546 12.143 13.990 16.089 18.368 65 51 8.107 8.855 10.008 11.459 13.239 15.334 17.723 20.331 66 52 8.713 9.538 10.840 12.485 14.513 16.918 19.680 22.722 67 53 9.302 10.199 11.664 13.495 15.737 18.384 21.477 25.078 68 54 9.862 10.862 12.531 14.624 17.134 20.107 23.760 27.836 69 55 10.431 11.532 13.404 15.730 18.493 21.869 25.939 30.367 70 56 11.003 12.228 14.318 16.900 20.044 23.783 28.317 33.355 71 57 11.596 12.969 15.253 18.143 21.573 25.647 30.570 36.235 72 58 12.265 13.774 16.311 19.455 23.207 27.659 33.062 38.930 73 59 13.068 14.708 17.479 20.931 25.106 30.132 35.917 42.407 74 60 14.027 15.728 18.690 22.391 26.963 32.280 38.565 45.806 75 61 15.073 16.836 20.037 24.094 28.989 34.908 42.043 50.160 76 62 16.187 18.036 21.461 25.674 30.963 37.539 45.261 54.164 77 63 17.295 19.278 22.883 27.473 33.433 40.692 49.213 59.245 78 64 18.440 20.477 24.380 29.518 36.064 44.051 53.403 64.592 79 65 19.650 21.843 26.182 31.782 38.929 47.656 57.858 70.059 80 66 21.107 23.583 28.287 34.368 42.096 51.520 62.600 75.497 81 67 23.026 25.710 30.816 37.350 45.610 55.702 67.619 81.295 82 68 25.409 28.326 33.846 40.788 49.528 60.187 72.908 87.353 83 69 28.245 31.403 37.340 44.672 53.797 64.941 78.434 94.133 84 70 31.465 34.864 41.258 48.919 58.371 69.937 84.164 101.453 85 71 33.694 37.325 44.240 52.524 62.745 75.238 90.624 109.302 86 72 36.078 39.927 47.512 56.615 67.832 81.573 98.484 119.033 87 73 38.535 42.608 50.910 60.862 73.149 88.180 106.711 131.214 88 74 40.465 44.707 53.485 64.023 77.020 92.926 114.176 140.564 89 75 41.699 46.016 55.140 66.078 79.561 97.435 119.877 147.801 90 76 42.432 46.788 56.005 67.047 81.762 100.103 123.169 151.840 91 77 43.106 47.480 56.779 68.807 83.886 102.712 126.362 155.768 92 78 44.638 49.120 59.430 72.001 87.786 107.473 132.212 163.147 93 79 47.273 52.604 63.628 77.093 93.983 115.053 141.754 174.907 94 80 50.376 56.043 67.793 82.128 100.116 122.811 151.300 186.653 95
NON-SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.213 15 0.693 0.830 0.954 1.055 1.124 1.162 1.204 1.144 16 0.840 0.963 1.021 1.078 1.113 1.181 1.138 1.091 17 0.966 1.023 1.048 1.072 1.157 1.112 1.073 1.034 18 0.966 1.011 1.034 1.105 1.100 1.039 0.999 0.963 19 0.924 0.979 1.047 1.033 1.013 0.952 0.917 0.882 20 0.861 0.967 0.975 0.955 0.924 0.850 0.835 0.805 21 0.800 0.881 0.913 0.902 0.874 0.819 0.836 0.826 22 0.699 0.780 0.819 0.803 0.779 0.749 0.742 0.737 23 0.621 0.686 0.727 0.713 0.703 0.672 0.669 0.664 24 0.538 0.595 0.633 0.641 0.629 0.612 0.601 0.609 25 0.480 0.525 0.572 0.578 0.585 0.568 0.570 0.585 26 0.444 0.490 0.528 0.543 0.557 0.559 0.569 0.581 27 0.432 0.464 0.503 0.525 0.549 0.566 0.579 0.598 28 0.431 0.463 0.494 0.525 0.556 0.577 0.597 0.635 29 0.444 0.469 0.502 0.541 0.577 0.605 0.645 0.680 30 0.452 0.485 0.525 0.557 0.598 0.646 0.677 0.732 31 0.456 0.502 0.535 0.578 0.627 0.671 0.722 0.784 32 0.462 0.508 0.552 0.602 0.648 0.706 0.773 0.847 33 0.452 0.509 0.566 0.619 0.684 0.751 0.830 0.909 34 0.432 0.506 0.566 0.637 0.713 0.791 0.873 0.962 35 0.435 0.515 0.594 0.682 0.766 0.854 0.944 1.046 36 0.438 0.544 0.640 0.742 0.843 0.939 1.049 1.163 37 0.464 0.580 0.697 0.816 0.930 1.042 1.163 1.290 38 0.497 0.634 0.772 0.905 1.034 1.158 1.287 1.440 39 0.541 0.706 0.858 1.007 1.147 1.284 1.434 1.610 40 0.595 0.784 0.957 1.126 1.270 1.423 1.602 1.797 41 0.650 0.865 1.068 1.246 1.412 1.588 1.777 1.986 42 0.706 0.952 1.170 1.374 1.569 1.760 1.964 2.192 43 0.763 1.031 1.280 1.513 1.727 1.935 2.154 2.402 44 0.818 1.116 1.399 1.658 1.885 2.114 2.352 2.615 45 0.883 1.214 1.524 1.813 2.061 2.310 2.568 2.860 46 0.953 1.313 1.655 1.981 2.265 2.534 2.826 3.149 47 1.025 1.428 1.809 2.172 2.503 2.811 3.128 3.491 48 1.097 1.556 1.986 2.392 2.794 3.146 3.504 3.921 49 1.176 1.697 2.182 2.654 3.117 3.531 3.959 4.431 50 1.256 1.856 2.408 2.937 3.463 3.960 4.459 4.993 51 1.343 2.033 2.653 3.241 3.836 4.410 4.977 5.550 52 1.444 2.221 2.912 3.569 4.216 4.855 5.464 6.116 53 1.549 2.416 3.188 3.898 4.600 5.257 5.934 6.644 54 1.670 2.629 3.473 4.239 4.969 5.666 6.380 7.148 55 1.804 2.867 3.792 4.596 5.377 6.094 6.833 7.656 56 1.967 3.137 4.140 5.019 5.823 6.554 7.337 8.227 57 2.165 3.450 4.566 5.505 6.319 7.096 7.939 8.889 58 2.396 3.844 5.074 6.076 6.930 7.774 8.678 9.672 59 2.681 4.302 5.657 6.740 7.677 8.593 9.547 10.576 60 3.005 4.811 6.304 7.487 8.542 9.517 10.524 11.599 61 3.379 5.358 6.996 8.310 9.471 10.513 11.585 12.767 62 3.800 5.928 7.712 9.182 10.421 11.555 12.742 14.035 63 4.274 6.589 8.508 10.094 11.390 12.627 13.913 15.345 64 4.811 7.364 9.409 11.051 12.420 13.737 15.128 16.702 65 5.406 8.187 10.368 12.056 13.520 14.942 16.455 18.248 66 6.053 9.004 11.315 13.089 14.708 16.287 18.018 20.021 67 6.774 9.750 12.162 14.145 16.001 17.857 19.836 22.212 68 7.558 10.439 12.943 15.205 17.427 19.644 22.086 24.910 69 8.414 11.135 13.714 16.299 18.945 21.725 24.737 28.175 70 9.340 11.805 14.482 17.381 20.588 24.024 27.796 31.971 71 10.262 12.982 15.906 19.083 22.555 26.310 30.438 35.000 72 11.279 14.258 17.463 20.912 24.708 28.817 33.330 38.306 73 12.370 15.635 19.113 22.876 27.024 31.509 36.420 41.866 74 13.348 16.835 20.566 24.613 29.071 33.881 39.167 45.015 75 14.114 17.790 21.735 26.008 30.701 35.781 41.359 47.510 76 14.748 18.587 22.704 27.154 32.055 37.357 43.156 49.559 77 15.395 19.397 23.684 28.329 33.436 38.944 44.978 51.632 78 16.394 20.649 25.213 30.153 35.568 41.417 47.817 54.873 79 17.865 22.502 27.472 32.835 38.722 45.074 52.021 59.671 80 19.383 24.410 29.784 35.589 41.955 48.820 56.319 64.579 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE -- ------ ------ ------ ------- ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.224 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.235 1.178 22 8 0.842 0.998 1.138 1.250 1.299 1.251 1.191 1.145 23 9 1.001 1.139 1.248 1.294 1.270 1.207 1.159 1.122 24 10 1.139 1.246 1.291 1.291 1.225 1.176 1.137 1.081 25 11 1.223 1.262 1.282 1.214 1.162 1.120 1.062 1.016 26 12 1.231 1.270 1.198 1.143 1.098 1.038 0.990 0.930 27 13 1.236 1.183 1.124 1.076 1.013 0.962 0.900 0.880 28 14 1.157 1.116 1.065 0.999 0.946 0.883 0.861 0.834 29 15 1.099 1.055 0.995 0.939 0.872 0.848 0.819 0.785 30 16 1.044 1.001 0.933 0.872 0.847 0.817 0.781 0.750 31 17 0.989 0.946 0.883 0.857 0.826 0.789 0.758 0.711 32 18 0.928 0.898 0.823 0.809 0.781 0.756 0.720 0.662 33 19 0.862 0.829 0.770 0.761 0.745 0.728 0.682 0.638 34 20 0.784 0.773 0.713 0.715 0.701 0.680 0.651 0.620 35 21 0.837 0.843 0.789 0.767 0.729 0.693 0.666 0.611 36 22 0.747 0.767 0.737 0.703 0.683 0.669 0.643 0.612 37 23 0.678 0.707 0.683 0.662 0.666 0.655 0.641 0.647 38 24 0.631 0.652 0.653 0.643 0.649 0.658 0.673 0.690 39 25 0.602 0.629 0.646 0.645 0.669 0.703 0.725 0.750 40 26 0.604 0.644 0.656 0.679 0.718 0.764 0.797 0.825 41 27 0.634 0.670 0.695 0.736 0.785 0.838 0.879 0.909 42 28 0.668 0.718 0.754 0.802 0.854 0.916 0.964 1.012 43 29 0.727 0.799 0.841 0.886 0.942 1.004 1.066 1.123 44 30 0.799 0.880 0.925 0.975 1.034 1.108 1.174 1.256 45 31 0.869 0.953 1.006 1.064 1.136 1.217 1.302 1.408 46 32 0.936 1.032 1.093 1.169 1.248 1.349 1.458 1.585 47 33 1.004 1.112 1.192 1.275 1.382 1.512 1.642 1.778 48 34 1.063 1.179 1.273 1.384 1.528 1.687 1.831 2.008 49 35 1.162 1.280 1.398 1.539 1.707 1.883 2.054 2.267 50 36 1.283 1.422 1.564 1.723 1.908 2.112 2.308 2.535 51 37 1.431 1.593 1.750 1.918 2.124 2.356 2.582 2.816 52 38 1.604 1.784 1.943 2.130 2.353 2.612 2.889 3.148 53 39 1.798 1.985 2.158 2.358 2.601 2.902 3.240 3.530 54 40 1.997 2.212 2.394 2.607 2.885 3.230 3.631 4.003 55 41 2.214 2.452 2.652 2.899 3.212 3.607 4.082 4.562 56 42 2.444 2.711 2.951 3.241 3.595 4.047 4.591 5.194 57 43 2.669 2.996 3.285 3.630 4.047 4.551 5.162 5.828 58 44 2.910 3.302 3.657 4.076 4.560 5.127 5.750 6.533 59 45 3.183 3.645 4.081 4.575 5.137 5.729 6.436 7.270 60 46 3.513 4.040 4.549 5.123 5.734 6.422 7.194 8.066 61 47 3.939 4.503 5.075 5.690 6.409 7.184 8.032 8.959 62 48 4.445 5.036 5.623 6.330 7.136 8.005 8.968 9.999 63 49 5.008 5.605 6.255 7.021 7.912 8.906 10.008 11.187 64 50 5.573 6.244 6.928 7.757 8.754 9.884 11.151 12.486 65 51 6.187 6.915 7.661 8.597 9.736 11.063 12.541 14.118 66 52 6.804 7.600 8.465 9.556 10.898 12.462 14.227 16.127 67 53 7.412 8.290 9.292 10.547 12.065 13.834 15.868 18.209 68 54 8.016 9.006 10.194 11.670 13.420 15.464 17.960 20.681 69 55 8.650 9.764 11.133 12.823 14.803 17.207 20.062 23.097 70 56 9.317 10.571 12.148 14.081 16.415 19.147 22.422 25.989 71 57 10.024 11.453 13.228 15.465 18.077 21.138 24.796 28.940 72 58 10.831 12.433 14.470 16.968 19.908 23.353 27.489 31.886 73 59 11.795 13.581 15.867 18.689 22.063 26.077 30.624 35.649 74 60 12.952 14.860 17.369 20.480 24.289 28.650 33.749 39.279 75 61 14.241 16.285 19.076 22.589 26.780 31.798 37.531 43.902 76 62 15.657 17.872 20.943 24.686 29.357 34.881 41.239 48.400 77 63 17.138 19.581 22.900 27.111 32.335 38.593 45.780 54.076 78 64 18.730 21.330 25.041 29.714 35.601 42.655 50.743 60.247 79 65 20.468 23.351 27.431 32.655 39.235 47.135 56.180 66.804 80 66 22.565 25.718 30.250 36.051 43.337 52.073 62.140 73.647 81 67 25.110 28.617 33.645 40.021 47.982 57.555 68.667 81.154 82 68 28.283 32.189 37.746 44.661 53.267 63.621 75.767 89.290 83 69 32.098 36.452 42.554 50.004 59.189 70.249 83.462 98.596 84 70 36.524 41.356 48.068 56.020 65.721 77.465 91.770 108.940 85 71 39.967 45.262 52.729 61.552 72.339 85.394 101.303 120.401 86 72 43.750 49.532 57.951 67.935 80.133 94.917 112.935 134.593 87 73 47.806 54.092 63.583 74.833 88.591 105.256 125.608 151.042 88 74 51.371 58.116 68.447 80.703 95.690 113.857 136.820 164.781 89 75 54.206 61.295 72.344 85.447 101.465 121.536 146.294 176.507 90 76 56.521 63.893 75.377 88.996 106.153 127.161 153.124 184.783 91 77 58.865 66.514 78.442 92.979 110.914 132.916 160.085 193.221 92 78 62.532 70.634 83.586 99.084 118.243 141.727 170.729 204.369 93 79 67.977 77.008 91.136 108.078 128.999 154.650 184.854 221.277 94 80 73.746 83.550 98.91_ 117.329 140.069 166.704 199.263 238.501 95
SMOKER - MALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 -- ------ ------ ------ ------ ------ ------ ------ ------ 0 4.060 0.956 0.619 0.491 0.409 0.378 0.338 0.319 1 0.971 0.627 0.496 0.412 0.380 0.339 0.320 0.297 2 0.638 0.503 0.418 0.384 0.342 0.322 0.297 0.281 3 0.514 0.425 0.390 0.346 0.325 0.299 0.281 0.282 4 0.435 0.398 0.352 0.330 0.302 0.283 0.282 0.292 5 0.408 0.360 0.337 0.307 0.286 0.284 0.292 0.321 6 0.370 0.345 0.313 0.290 0.286 0.293 0.321 0.415 7 0.355 0.320 0.295 0.290 0.296 0.323 0.416 0.523 8 0.333 0.305 0.298 0.302 0.328 0.422 0.528 0.688 9 0.314 0.305 0.308 0.332 0.427 0.533 0.693 0.846 10 0.310 0.312 0.335 0.429 0.536 0.696 0.848 1.002 11 0.316 0.338 0.431 0.536 0.693 0.842 0.991 1.122 12 0.340 0.432 0.535 0.690 0.834 0.978 1.103 1.198 13 0.437 0.538 0.690 0.831 0.970 1.089 1.176 1.204 14 0.541 0.691 0.829 0.965 1.079 1.162 1.185 1.891 15 0.693 0.830 0.954 1.055 1.124 1.126 1.878 1.811 16 0.840 0.963 1.021 1.078 1.113 1.841 1.802 1.752 17 0.966 1.023 1.048 1.072 1.803 1.760 1.723 1.687 18 0.966 1.011 1.034 1.723 1.742 1.670 1.631 1.605 19 0.924 0.979 1.633 1.635 1.627 1.554 1.528 1.498 20 0.861 1.508 1.544 1.534 1.508 1.416 1.416 1.399 21 1.247 1.396 1.467 1.471 1.457 1.389 1.453 1.473 22 1.107 1.253 1.336 1.338 1.322 1.302 1.323 1.354 23 0.997 1.120 1.211 1.210 1.222 1.198 1.229 1.277 24 0.879 0.992 1.075 1.113 1.121 1.123 1.156 1.206 25 0.799 0.892 0.994 1.030 1.073 1.093 1.129 1.184 26 0.753 0.852 0.941 0.998 1.071 1.108 1.150 1.206 27 0.752 0.828 0.924 1.010 1.087 1.144 1.203 1.268 28 0.768 0.850 0.949 1.041 1.125 1.199 1.268 1.356 29 0.815 0.802 0.995 1.094 1.198 1.284 1.376 1.481 30 0.868 0.962 1.062 1.156 1.270 1.379 1.475 1.608 31 0.904 1.016 1.111 1.227 1.338 1.461 1.586 1.749 32 0.934 1.054 1.172 1.285 1.411 1.550 1.725 1.911 33 0.938 1.080 1.208 1.349 1.503 1.676 1.873 2.080 34 0.917 1.080 1.233 1.400 1.592 1.785 1.998 2.228 35 0.929 1.122 1.306 1.522 1.728 1.954 2.185 2.442 36 0.955 1.194 1.428 1.674 1.928 2.175 2.449 2.735 37 1.020 1.296 1.571 1.866 2.153 2.433 2.735 3.065 38 1.110 1.429 1.766 2.095 2.415 2.723 3.058 3.440 39 1.221 1.615 1.988 2.351 2.698 3.051 3.427 3.829 40 1.361 1.816 2.236 2.648 3.019 3.401 3.810 4.256 41 1.504 2.020 2.513 2.961 3.373 3.777 4.208 4.685 42 1.649 2.239 2.782 3.284 3.730 4.169 4.633 5.152 43 1.795 2.449 3.060 3.598 4.092 4.566 5.062 5.610 44 1.943 2.667 3.328 3.927 4.448 4.967 5.494 6.061 45 2.109 2.887 3.611 4.277 4.844 5.395 5.953 6.538 46 2.267 3.110 3.904 4.655 5.291 5.873 6.461 7.118 47 2.427 3.369 4.251 5.073 5.801 6.426 7.070 7.789 48 2.588 3.657 4.639 5.544 6.387 7.112 7.817 8.603 49 2.763 3.963 5.057 6.069 7.046 7.879 8.685 9.551 50 2.934 4.301 5.506 6.639 7.727 8.687 9.610 10.565 51 3.113 4.647 5.997 7.232 8.415 9.505 10.531 11.546 52 3.301 5.020 6.498 7.831 9.087 10.273 11.367 12.421 53 3.501 5.390 6.994 8.402 9.732 10.936 12.053 13.187 54 3.725 5.768 7.486 8.969 10.337 11.508 12.663 13.904 55 3.958 6.180 8.022 9.561 10.921 12.096 13.292 14.600 56 4.239 6.637 8.613 10.194 11.557 12.750 13.991 15.379 57 4.580 7.178 9.273 10.927 12.293 13.531 14.841 16.273 58 4.983 7.807 10.071 11.819 13.216 14.533 15.885 17.341 59 5.446 8.538 11.004 12.853 14.350 15.731 17.118 18.563 60 5.965 9.358 12.022 13.995 15.638 17.063 18.471 19.919 61 6.573 10.217 13.079 15.212 16.981 18.451 19.894 21.430 62 7.247 11.081 14.118 16.463 18.290 19.843 21.388 23.025 63 7.990 12.062 15.254 17.717 19.560 21.196 22.824 24.589 64 8.806 13.204 16.514 18.978 20.848 22.536 24.241 26.126 65 9.693 14.368 17.805 20.237 22.180 23.944 25.739 27.847 66 10.624 15.462 18.993 21.471 23.569 25.477 27.497 29.792 67 11.633 16.366 19.952 22.666 25.030 27.250 29.518 32.204 68 12.686 17.125 20.741 23.784 26.595 29.232 32.021 35.406 69 13.803 17.843 21.452 24.873 28.191 31.498 35.159 39.235 70 14.966 18.467 22.100 25.864 29.850 34.146 38.706 43.607 71 16.052 19.811 23.669 27.668 32.058 36.637 41.516 46.735 72 17.212 21.216 25.320 29.723 34.407 39.305 44.505 50.054 73 18.408 22.668 27.166 31.856 36.860 42.074 47.590 53.512 74 19.353 23.928 28.639 33.571 38.818 44.272 50.062 56.243 75 20.060 24.774 29.646 34.728 40.117 45.734 51.675 58.006 76 20.537 25.352 30.316 35.483 40.972 46.674 52.690 59.092 77 20.998 25.901 30.948 36.209 41.775 47.547 53.629 60.0_1 78 21.891 26.982 32.227 37.674 43.426 49.384 55.642 62.283 79 23.344 28.762 34.324 40.089 46.171 52.450 59.046 66.022 80 24.774 30.498 36.364 42.435 48.820 55.412 62.314 69.611 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------- ------- ------- ------- ------- -------- 0 0.298 0.284 0.288 0.302 0.339 0.444 0.564 0.745 15 1 0.282 0.284 0.298 0.333 0.435 0.552 0.729 0.903 16 2 0.283 0.295 0.328 0.428 0.542 0.715 0.884 1.060 17 3 0.292 0.325 0.422 0.534 0.703 0.869 1.040 1.198 18 4 0.322 0.418 0.528 0.695 0.856 1.024 1.177 1.302 19 5 0.416 0.525 0.688 0.847 1.011 1.160 1.282 1.340 20 6 0.523 0.684 0.841 1.002 1.148 1.266 1.321 1.949 21 7 0.683 0.838 0.996 1.139 1.254 1.306 1.958 1.904 22 8 0.842 0.998 1.138 1.250 1.299 1.976 1.917 1.878 23 9 1.001 1.139 1.248 1.294 2.000 1.937 1.894 1.869 24 10 1.139 1.246 1.291 2.025 1.960 1.915 1.888 1.840 25 11 1.223 1.262 2.006 1.934 1.884 1.852 1.800 1.760 26 12 1.231 1.981 1.903 1.848 1.810 1.753 1.709 1.651 27 13 1.927 1.874 1.811 1.767 1.704 1.654 1.591 1.601 28 14 1.831 1.793 1.744 1.676 1.622 1.555 1.562 1.563 29 15 1.766 1.722 1.664 1.603 1.530 1.533 1.529 1.540 30 16 1.703 1.668 1.588 1.525 1.526 1.520 1.527 1.518 31 17 1.648 1.606 1.540 1.539 1.532 1.538 1.527 1.468 32 18 1.575 1.561 1.473 1.495 1.515 1.517 1.481 1.404 33 19 1.497 1.479 1.419 1.471 1.490 1.493 1.440 1.382 34 20 1.398 1.419 1.376 1.426 1.432 1.431 1.406 1.351 35 21 1.536 1.620 1.569 1.561 1.528 1.491 1.445 1.360 36 22 1.436 1.520 1.496 1.469 1.464 1.447 1.425 1.372 37 23 1.344 1.431 1.432 1.414 1.434 1.446 1.432 1.475 38 24 1.276 1.354 1.389 1.382 1.428 1.446 1.528 1.590 39 25 1.251 1.336 1.382 1.414 1.484 1.591 1.663 1.753 40 26 1.281 1.374 1.435 1.503 1.619 1.747 1.855 1.951 41 27 1.353 1.460 1.533 1.654 1.789 1.943 2.071 2.168 42 28 1.455 1.576 1.689 1.820 1.973 2.149 2.289 2.430 43 29 1.597 1.784 1.903 2.039 2.203 2.377 2.550 2.724 44 30 1.784 1.984 2.123 2.272 2.437 2.641 2.837 3.065 45 31 1.960 2.181 2.336 2.501 2.698 2.931 3.164 3.419 46 32 2.142 2.389 2.561 2.768 2.996 3.266 3.526 3.832 47 33 2.326 2.597 2.811 3.050 3.336 3.644 3.957 4.283 48 34 2.482 2.773 3.035 3.328 3.670 4.049 4.395 4.819 49 35 2.733 3.043 3.352 3.683 4.084 4.502 4.911 5.408 50 36 3.049 3.398 3.731 4.107 4.546 5.029 5.484 5.999 51 37 3.419 3.787 4.157 4.555 5.042 5.576 6.087 6.574 52 38 3.814 4.226 4.599 5.038 5.550 6.135 6.720 7.265 53 39 4.258 4.683 5.088 5.543 6.089 6.724 7.449 8.043 54 40 4.712 5.199 5.610 6.081 6.660 7.399 8.241 8.966 55 41 5.204 5.728 6.167 6.672 7.334 8.155 9.108 10.040 56 42 5.709 6.282 6.769 7.374 8.100 8.998 10.064 11.220 57 43 6.186 6.851 7.449 8.152 8.966 9.941 11.109 12.378 58 44 6.655 7.463 8.185 9.000 9.924 10.994 12.167 13.548 59 45 7.196 8.132 8.982 9.923 10.975 12.078 13.296 14.733 60 46 7.838 8.864 9.835 10.910 12.046 13.218 14.523 16.020 61 47 8.642 9.705 10.772 11.913 13.146 14.450 15.893 17.444 62 48 9.581 10.656 11.735 12.939 14.303 15.782 17.394 19.085 63 49 10.596 11.661 12.744 14.025 15.543 17.212 19.029 20.910 64 50 11.595 12.682 13.794 15.187 16.858 18.725 20.764 22.858 65 51 12.566 13.725 14.951 16.500 18.379 20.524 22.872 25.301 66 52 13.505 14.784 16.193 17.978 20.147 22.644 25.399 28.277 67 53 14.418 15.809 17.425 19.433 21.846 24.607 27.717 31.208 68 54 15.286 16.835 18.720 21.059 23.787 26.913 30.664 34.640 69 55 16.169 17.875 20.024 22.651 25.672 29.271 33.476 37.790 70 56 17.055 18.953 21.389 24.336 27.826 31.833 36.546 41.508 71 57 17.973 20.102 22.787 26.126 29.948 34.327 39.452 45.093 72 58 19.010 21.350 24.366 28.015 32.217 37.020 42.669 48.446 73 59 20.255 22.797 26.112 30.141 34.853 40.330 46.353 52.774 74 60 21.741 24.378 27.921 32.243 37.431 43.205 49.771 57.003 75 61 23.362 26.096 29.933 34.695 40.244 46.722 54.259 62.422 76 62 25.089 27.956 32.061 36.971 42.984 50.244 58.413 67.405 77 63 26.808 29.882 34.184 39.560 46.413 54.465 63.513 73.727 78 64 28.583 31.740 36.420 42.506 50.065 58.961 68.920 80.381 79 65 30.458 33.856 39.112 45.766 54.043 63.786 74.670 87.184 80 66 32.716 36.553 42.258 49.490 58.439 68.958 80.789 93.952 81 67 35.690 39.851 46.035 53.785 63.317 74.555 87.266 101.167 82 68 39.385 43.905 50.562 58.735 68.757 80.558 94.092 108.706 83 69 43.780 48.674 55.781 64.327 74.683 86.921 101.224 117.144 84 70 48.770 54.040 61.634 70.444 81.032 93.607 108.620 126.252 85 71 52.225 57.853 66.089 75.634 87.105 100.703 116.956 136.020 86 72 55.921 61.887 70.977 81.525 94.166 109.183 127.100 148.131 87 73 59.729 66.042 76.053 87.641 101.548 118.025 137.717 163.289 88 74 62.720 69.296 79.899 92.193 106.922 124.377 147.352 174.924 89 75 64.633 71.325 82.372 95.152 110.450 130.412 154.709 183.930 90 76 65.770 72.522 83.664 96.548 113.505 133.984 158.957 188.956 91 77 66.815 73.594 84.821 99.083 116.454 137.476 163.079 193.844 92 78 69.188 76.136 88.781 103.681 121.868 143.849 170.629 203.027 93 79 73.273 81.536 95.052 111.014 130.471 153.994 182.942 217.662 94 80 78.083 86.866 101.274 118.265 138.984 164.377 195.263 232.279 95
PREFERRED NON-SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 -- ----- ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.409 15 0.317 0.382 0.442 0.492 0.527 0.548 0.411 0.393 16 0.384 0.444 0.475 0.506 0.527 0.406 0.395 0.379 17 0.451 0.482 0.498 0.514 0.404 0.392 0.379 0.367 18 0.460 0.486 0.502 0.391 0.393 0.373 0.360 0.351 19 0.449 0.480 0.374 0.372 0.367 0.347 0.338 0.329 20 0.426 0.349 0.355 0.350 0.341 0.318 0.316 0.306 21 0.308 0.338 0.347 0.340 0.329 0.307 0.311 0.308 22 0.294 0.325 0.339 0.332 0.321 0.306 0.304 0.300 23 0.287 0.315 0.334 0.327 0.319 0.306 0.303 0.302 24 0.276 0.305 0.324 0.324 0.319 0.309 0.305 0.308 25 0.268 0.293 0.316 0.320 0.322 0.314 0.314 0.321 26 0.255 0.280 0.302 0.309 0.318 0.318 0.321 0.330 27 0.256 0.275 0.296 0.310 0.323 0.331 0.340 0.351 28 0.260 0.278 0.297 0.315 0.331 0.345 0.357 0.378 29 0.268 0.284 0.302 0.324 0.346 0.363 0.385 0.410 30 0.278 0.298 0.320 0.340 0.366 0.392 0.415 0.447 31 0.284 0.311 0.332 0.358 0.386 0.417 0.447 0.486 32 0.286 0.315 0.342 0.370 0.402 0.436 0.478 0.523 33 0.280 0.315 0.347 0.383 0.422 0.463 0.511 0.559 34 0.271 0.315 0.355 0.397 0.445 0.493 0.543 0.596 35 0.271 0.323 0.371 0.425 0.477 0.531 0.585 0.645 36 0.271 0.334 0.393 0.455 0.516 0.573 0.637 0.703 37 0.280 0.351 0.420 0.491 0.558 0.623 0.692 0.767 38 0.301 0.383 0.466 0.545 0.620 0.691 0.767 0.854 39 0.328 0.427 0.518 0.605 0.686 0.767 0.853 0.951 40 0.354 0.466 0.566 0.662 0.747 0.832 0.931 1.040 41 0.379 0.503 0.618 0.720 0.812 0.907 1.011 1.124 42 0.411 0.552 0.678 0.792 0.899 1.004 1.115 1.239 43 0.435 0.587 0.725 0.852 0.968 1.080 1.196 1.329 44 0.458 0.621 0.774 0.913 1.034 1.153 1.279 1.419 45 0.483 0.660 0.824 0.976 1.105 1.233 1.369 1.520 46 0.508 0.697 0.875 1.042 1.187 1.326 1.474 1.643 47 0.534 0.741 0.934 1.117 1.285 1.438 1.601 1.786 48 0.558 0.788 1.002 1.205 1.402 1.579 1.758 1.966 49 0.584 0.839 1.077 1.306 1.534 1.737 1.946 2.177 50 0.608 0.898 1.161 1.416 1.669 1.907 2.146 2.403 51 0.651 0.982 1.282 1.566 1.852 2.128 2.402 2.680 52 0.700 1.076 1.411 1.728 2.040 2.349 2.645 2.952 53 0.752 1.173 1.547 1.891 2.231 2.552 2.872 3.208 54 0.813 1.279 1.689 2.061 2.418 2.749 3.088 3.450 55 0.880 1.398 1.848 2.242 2.615 2.958 3.306 3.695 56 0.961 1.533 2.025 2.447 2.833 3.180 3.549 3.968 57 1.061 1.692 2.232 2.685 3.073 3.441 3.839 4.284 58 1.178 1.884 2.481 2.962 3.370 3.768 4.193 4.663 59 1.317 2.109 2.765 3.286 3.731 4.162 4.614 5.101 60 1.477 2.358 3.081 3.647 4.148 4.162 5.088 5.592 61 1.660 2.625 3.417 4.045 4.601 5.096 5.599 6.131 62 1.867 2.903 3.764 4.472 5.064 5.599 6.138 6.715 63 2.098 3.224 4.154 4.918 5.533 6.101 6.680 7.307 64 2.360 3.605 4.596 5.382 6.020 6.620 7.233 7.914 65 2.653 4.009 5.062 5.861 6.538 7.173 7.832 8.593 66 2.972 4.407 5.518 6.352 7.089 7.788 8.528 9.435 67 3.324 4.769 5.924 6.846 7.686 8.495 9.391 10.464 68 3.708 5.102 6.290 7.337 8.333 9.342 10.446 11.736 69 4.127 5.433 6.648 7.833 9.051 10.318 11.696 13.279 70 4.575 5.749 6.995 8.342 9.817 11.399 13.140 15.062 71 5.020 6.303 7.669 9.137 10.741 12.475 14.376 16.427 72 5.504 6.906 8.395 9.994 11.752 13.645 15.683 17.916 73 6.019 7.547 9.166 10.914 12.829 14.864 17.077 19.505 74 6.469 8.102 9.841 11.714 13.749 15.927 18.294 20.884 75 6.817 8.539 10.371 12.331 14.469 16.755 19.237 21.956 76 7.100 8.891 10.792 12.830 15.048 17.419 19.995 22.818 77 7.383 9.244 11.219 13.333 15.630 18.089 20.761 23.685 78 7.832 9.806 11.897 14.132 16.563 19.166 21.991 25.083 79 8.505 10.645 12.908 15.329 17.965 20.782 23.839 27.188 80 9.192 11.498 13.940 16.553 19.393 22.429 25.727 29.337 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE -- ------ ------ ------ ------ ------ ------ ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.415 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.414 0.398 22 8 0.371 0.436 0.488 0.527 0.538 0.412 0.397 0.383 23 9 0.438 0.491 0.530 0.541 0.410 0.395 0.382 0.371 24 10 0.493 0.532 0.543 0.409 0.394 0.380 0.370 0.357 25 11 0.535 0.546 0.407 0.392 0.379 0.369 0.356 0.347 26 12 0.549 0.405 0.390 0.378 0.368 0.355 0.346 0.329 27 13 0.407 0.389 0.376 0.367 0.355 0.345 0.329 0.334 28 14 0.391 0.375 0.366 0.354 0.345 0.328 0.334 0.335 29 15 0.377 0.361 0.353 0.344 0.328 0.334 0.335 0.337 30 16 0.364 0.352 0.340 0.328 0.334 0.335 0.337 0.339 31 17 0.354 0.342 0.329 0.335 0.337 0.339 0.340 0.333 32 18 0.342 0.332 0.319 0.327 0.333 0.337 0.335 0.326 33 19 0.322 0.316 0.306 0.318 0.326 0.333 0.330 0.326 34 20 0.304 0.304 0.296 0.310 0.318 0.326 0.330 0.330 35 21 0.310 0.314 0.312 0.321 0.328 0.336 0.346 0.348 36 22 0.306 0.313 0.317 0.323 0.335 0.349 0.364 0.372 37 23 0.308 0.319 0.325 0.332 0.349 0.367 0.380 0.406 38 24 0.317 0.330 0.344 0.352 0.375 0.398 0.425 0.455 39 25 0.332 0.348 0.367 0.384 0.412 0.449 0.479 0.513 40 26 0.343 0.364 0.387 0.413 0.450 0.493 0.530 0.564 41 27 0.371 0.396 0.421 0.458 0.500 0.547 0.587 0.620 42 28 0.401 0.431 0.464 0.503 0.549 0.600 0.644 0.689 43 29 0.437 0.481 0.517 0.557 0.604 0.657 0.711 0.766 44 30 0.489 0.537 0.576 0.618 0.667 0.727 0.786 0.855 45 31 0.537 0.589 0.632 0.679 0.736 0.803 0.871 0.954 46 32 0.577 0.634 0.680 0.737 0.800 0.874 0.955 1.051 47 33 0.615 0.678 0.737 0.802 0.881 0.975 1.073 1.177 48 34 0.656 0.724 0.794 0.873 0.974 1.088 1.195 1.327 49 35 0.714 0.786 0.865 0.959 1.074 1.195 1.316 1.467 50 36 0.775 0.855 0.946 1.052 1.175 1.312 1.448 1.609 51 37 0.846 0.936 1.037 1.146 1.280 1.433 1.588 1.749 52 38 0.945 1.047 1.146 1.262 1.402 1.568 1.746 1.920 53 39 1.057 1.162 1.270 1.395 1.552 1.742 1.963 2.157 54 40 1.150 1.268 1.380 1.514 1.685 1.904 2.158 2.399 55 41 1.248 1.377 1.505 1.660 1.862 2.115 2.422 2.740 56 42 1.376 1.523 1.674 1.861 2.088 2.378 2.730 3.127 57 43 1.474 1.650 1.837 2.060 2.331 2.661 3.066 3.520 58 44 1.575 1.786 2.014 2.286 2.604 2.985 3.414 3.944 59 45 1.691 1.936 2.214 2.535 2.910 3.322 3.807 4.390 60 46 1.831 2.105 2.429 2.806 3.225 3.695 4.241 4.869 61 47 2.014 2.301 2.659 3.060 3.525 4.046 4.631 5.290 62 48 2.228 2.524 2.891 3.328 3.840 4.408 5.055 5.769 63 49 2.460 2.756 3.143 3.609 4.161 4.792 5.510 6.304 64 50 2.685 2.999 3.416 3.926 4.549 5.274 6.111 7.038 65 51 2.979 3.322 3.767 4.328 5.018 5.839 6.789 7.840 66 52 3.277 3.650 4.140 4.759 5.528 6.449 7.514 8.689 67 53 3.568 3.980 4.530 5.223 6.077 7.091 8.275 9.593 68 54 3.858 4.321 4.941 5.723 6.662 7.770 9.076 10.506 69 55 4.161 4.682 5.385 6.259 7.293 8.505 9.946 11.468 70 56 4.478 5.070 5.863 6.837 7.977 9.311 10.895 12.613 71 57 4.821 5.496 6.381 7.466 8.730 10.199 11.947 13.904 72 58 5.210 5.963 6.944 8.144 9.544 11.177 13.117 15.392 73 59 5.672 6.483 7.555 8.865 10.423 12.252 14.506 17.039 74 60 6.202 7.060 8.218 9.647 11.375 13.510 16.038 18.854 75 61 6.790 7.692 8.980 10.585 12.638 15.127 18.041 21.368 76 62 7.425 8.391 9.821 11.687 14.044 16.901 20.279 24.182 77 63 8.083 9.128 10.818 12.990 15.751 19.149 23.163 27.743 78 64 8.776 9.960 11.859 14.306 17.460 21.334 25.748 31.048 79 65 9.602 10.911 13.080 15.918 19.570 23.944 29.088 35.265 80 66 10.587 12.031 14.469 17.647 21.616 26.488 32.242 38.987 81 67 11.789 13.405 16.192 19.707 24.188 29.702 36.275 43.918 82 68 13.289 15.088 18.121 21.968 26.842 32.841 40.087 48.444 83 69 15.084 17.022 20.459 24.735 30.107 36.754 44.922 54.595 84 70 17.099 19.245 23.133 27.850 33.743 41.063 50.207 61.506 85 71 18.646 20.981 25.392 30.761 37.482 45.837 56.298 69.261 86 72 20.332 22.864 27.965 34.200 42.009 51.748 63.977 79.169 87 73 22.123 24.872 30.749 37.939 46.967 58.248 72.454 90.785 88 74 23.681 26.623 33.134 41.118 51.161 63.728 80.088 100.725 89 75 24.895 27.976 35.058 43.759 54.706 68.845 86.868 109.657 90 76 25.862 29.058 36.411 45.441 57.123 71.909 90.777 114.627 91 77 26.840 30.153 37.779 47.383 59.583 75.043 94.762 119.718 92 78 28.420 31.925 40.179 50.407 63.418 79.897 100.943 126.562 93 79 30.803 34.739 43.733 54.894 69.084 87.079 109.239 136.951 94 80 33.352 37.626 47.391 59.504 74.923 93.819 117.683 147.5__ 95
PREFERRED SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 -- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.593 15 0.317 0.382 0.442 0.492 0.527 0.548 0.596 0.580 16 0.384 0.444 0.475 0.506 0.527 0.589 0.582 0.569 17 0.451 0.482 0.498 0.514 0.585 0.578 0.569 0.560 18 0.460 0.486 0.502 0.566 0.580 0.560 0.550 0.546 19 0.449 0.480 0.542 0.549 0.551 0.530 0.525 0.520 20 0.426 0.505 0.524 0.526 0.521 0.494 0.500 0.495 21 0.447 0.499 0.522 0.520 0.512 0.486 0.502 0.512 22 0.434 0.489 0.518 0.516 0.508 0.495 0.505 0.515 23 0.432 0.482 0.519 0.517 0.516 0.508 0.520 0.537 24 0.421 0.474 0.512 0.525 0.530 0.529 0.542 0.566 25 0.416 0.464 0.512 0.532 0.552 0.559 0.578 0.608 26 0.404 0.453 0.502 0.530 0.565 0.584 0.608 0.639 27 0.414 0.457 0.508 0.551 0.594 0.626 0.659 0.693 28 0.432 0.476 0.528 0.579 0.627 0.668 0.705 0.755 29 0.459 0.505 0.556 0.613 0.671 0.716 0.769 0.830 30 0.495 0.548 0.606 0.659 0.721 0.784 0.841 0.919 31 0.523 0.589 0.643 0.707 0.772 0.845 0.918 1.010 32 0.541 0.610 0.675 0.740 0.814 0.895 0.994 1.101 33 0.542 0.621 0.695 0.777 0.866 0.963 1.076 1.192 34 0.535 0.629 0.719 0.816 0.926 1.038 1.159 1.288 35 0.542 0.654 0.761 0.885 1.005 1.133 1.263 1.405 36 0.549 0.685 0.817 0.958 1.100 1.238 1.387 1.544 37 0.575 0.729 0.885 1.048 1.206 1.356 1.519 1.697 38 0.626 0.807 0.995 1.176 1.350 1.516 1.698 1.897 39 0.691 0.912 1.119 1.317 1.506 1.698 1.895 2.105 40 0.756 1.006 1.232 1.454 1.652 1.850 2.060 2.292 41 0.819 1.094 1.357 1.594 1.804 2.009 2.228 2.469 42 0.896 1.212 1.501 1.761 1.989 2.213 2.448 2.709 43 0.955 1.299 1.612 1.886 2.134 2.371 2.616 2.894 44 1.013 1.381 1.713 2.013 2.269 2.522 2.785 3.066 45 1.072 1.460 1.817 2.143 2.416 2.686 2.957 3.242 46 1.125 1.537 1.921 2.279 2.585 2.864 3.145 3.460 47 1.177 1.626 2.042 2.433 2.776 3.069 3.372 3.715 48 1.225 1.723 2.181 2.602 2.992 3.327 3.656 4.020 49 1.276 1.827 2.326 2.787 3.231 3.612 3.978 4.374 50 1.325 1.939 2.477 2.983 3.471 3.899 4.312 4.743 51 1.407 2.096 2.701 3.257 3.786 4.276 4.740 5.194 52 1.492 2.267 2.934 3.532 4.098 4.635 5.126 5.590 53 1.585 2.440 3.163 3.799 4.403 4.945 5.438 5.931 54 1.691 2.615 3.393 4.068 4.685 5.205 5.709 6.255 55 1.799 2.808 3.648 4.345 4.952 5.468 5.995 6.568 56 1.931 3.025 3.924 4.634 5.237 5.765 6.310 6.912 57 2.093 3.278 4.226 4.965 5.573 6.118 6.687 7.311 58 2.282 3.567 4.587 5.372 5.991 6.565 7.155 7.792 59 2.495 3.899 5.014 5.841 6.499 7.104 7.712 8.342 60 2.731 4.275 5.477 6.355 7.080 7.707 8.322 8.946 61 3.010 4.667 5.954 6.904 7.689 8.334 8.958 9.592 62 3.319 5.057 6.424 7.473 8.282 8.958 9.602 10.267 63 3.656 5.503 6.942 8.043 8.852 9.545 10.213 10.911 64 4.028 6.024 7.516 8.611 9.418 10.120 10.800 11.536 65 4.434 6.556 8.099 9.169 9.996 10.712 11.418 12.221 66 4.860 7.051 8.632 9.711 10.586 11.353 12.129 13.082 67 5.319 7.461 9.056 10.222 11.205 12.081 13.021 14.137 68 5.801 7.801 9.392 10.696 11.851 12.954 14.114 15.545 69 6.310 8.113 9.692 11.140 12.550 13.940 15.492 17.232 70 6.833 8.381 9.949 11.567 13.264 15.099 17.052 19.146 71 7.318 8.964 10.634 12.345 14.226 16.190 18.274 20.443 72 7.827 9.576 11.343 13.237 15.250 17.345 19.517 21.818 73 8.346 10.196 12.141 14.163 16.307 18.498 20.796 23.233 74 8.740 10.732 12.771 14.890 17.110 19.395 21.790 24.317 75 9.029 11.081 13.183 15.346 17.619 19.957 22.399 24.982 76 9.214 11.302 13.430 15.624 17.924 20.283 22.751 25.354 77 9.385 11.504 13.662 15.881 18.200 20.582 23.069 25.685 78 9.747 11.941 14.170 16.455 18.846 21.297 23.848 26.532 79 10.357 12.679 15.030 17.442 19.962 22.537 25.217 28.034 80 10.949 13.388 15.861 18.393 21.030 23.725 26.527 29.468 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE -- ------ ------ ------ ------ ------ ------ ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.641 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.632 0.626 22 8 0.371 0.436 0.488 0.527 0.538 0.623 0.618 0.613 23 9 0.438 0.491 0.530 0.541 0.615 0.609 0.605 0.605 24 10 0.493 0.532 0.543 0.605 0.601 0.597 0.598 0.592 25 11 0.535 0.546 0.596 0.592 0.588 0.590 0.585 0.585 26 12 0.549 0.587 0.583 0.580 0.582 0.578 0.578 0.568 27 13 0.590 0.574 0.572 0.574 0.570 0.571 0.562 0.592 28 14 0.577 0.563 0.566 0.563 0.564 0.555 0.586 0.612 29 15 0.566 0.553 0.555 0.557 0.549 0.580 0.606 0.638 30 16 0.556 0.547 0.544 0.542 0.574 0.600 0.633 0.664 31 17 0.551 0.541 0.539 0.570 0.597 0.629 0.660 0.672 32 18 0.541 0.537 0.537 0.574 0.611 0.647 0.670 0.674 33 19 0.521 0.526 0.531 0.579 0.620 0.659 0.674 0.685 34 20 0.506 0.521 0.532 0.583 0.622 0.660 0.687 0.703 35 21 0.532 0.559 0.581 0.622 0.658 0.693 0.730 0.751 36 22 0.543 0.576 0.607 0.640 0.683 0.729 0.778 0.813 37 23 0.566 0.604 0.637 0.670 0.722 0.778 0.823 0.900 38 24 0.600 0.639 0.687 0.720 0.786 0.853 0.933 1.022 39 25 0.643 0.686 0.742 0.796 0.874 0.975 1.064 1.167 40 26 0.677 0.729 0.794 0.867 0.968 1.084 1.193 1.298 41 27 0.741 0.803 0.875 0.974 1.089 1.219 1.338 1.439 42 28 0.813 0.884 0.975 1.085 1.210 1.354 1.479 1.612 43 29 0.898 1.000 1.102 1.215 1.350 1.495 1.646 1.806 44 30 1.017 1.131 1.243 1.366 1.501 1.667 1.835 2.024 45 31 1.132 1.256 1.380 1.512 1.669 1.856 2.042 2.251 46 32 1.231 1.369 1.499 1.655 1.830 2.030 2.231 2.470 47 33 1.329 1.477 1.636 1.815 2.023 2.253 2.496 2.755 48 34 1.429 1.591 1.778 1.985 2.228 2.505 2.770 3.092 49 35 1.568 1.739 1.945 2.171 2.447 2.741 3.036 3.405 50 36 1.715 1.899 2.119 2.371 2.667 2.996 3.327 3.703 51 37 1.881 2.072 2.312 2.574 2.894 3.259 3.620 3.978 52 38 2.092 2.307 2.545 2.822 3.156 3.539 3.931 4.310 53 39 2.331 2.552 2.809 3.108 3.465 3.882 4.363 4.783 54 40 2.525 2.773 3.040 3.344 3.716 4.189 4.737 5.227 55 41 2.729 2.999 3.288 3.623 4.055 4.596 5.226 5.867 56 42 2.997 3.291 3.611 4.009 4.490 5.079 5.788 6.577 57 43 3.185 3.520 3.913 4.382 4.926 5.586 6.386 7.270 58 44 3.360 3.763 4.237 4.780 5.409 6.153 6.983 7.960 59 45 3.563 4.026 4.578 5.209 5.937 6.725 7.606 8.651 60 46 3.809 4.304 4.936 5.664 6.460 7.310 8.274 9.411 61 47 4.118 4.623 5.308 6.064 6.901 7.814 8.861 10.023 62 48 4.476 4.981 5.667 6.444 7.339 8.349 9.483 10.713 63 49 4.855 5.340 6.019 6.825 7.799 8.900 10.130 11.466 64 50 5.202 5.678 6.388 7.280 8.361 9.599 11.006 12.536 65 51 5.640 6.141 6.908 7.869 9.037 10.410 11.973 13.666 66 52 6.058 6.618 7.444 8.479 9.754 11.258 12.968 14.817 67 53 6.470 7.076 7.983 9.116 10.499 12.114 13.972 15.995 68 54 6.859 7.529 8.529 9.782 11.264 12.987 14.984 17.118 69 55 7.249 7.990 9.102 10.470 12.062 13.900 16.047 18.253 70 56 7.643 8.474 9.698 11.188 12.902 14.870 17.169 19.598 71 57 8.056 8.988 10.327 11.945 13.798 15.909 18.379 21.075 72 58 8.521 9.541 10.988 12.733 14.734 17.022 19.687 22.747 73 59 9.075 10.142 11.683 13.539 15.708 18.202 21.228 24.536 74 60 9.702 10.793 12.413 14.384 16.725 19.571 22.867 26.615 75 61 10.380 11.486 13.240 15.395 18.117 21.350 25.217 29.555 76 62 11.088 12.232 14.128 16.575 19.616 23.385 27.772 32.762 77 63 11.783 12.982 15.173 17.950 21.567 25.959 31.072 36.797 78 64 12.481 13.811 16.207 19.380 23.424 28.329 33.815 40.296 79 65 13.314 14.742 17.523 21.126 25.717 31.127 37.382 44.767 80 66 14.303 15.935 18.992 22.942 27.809 33.696 40.528 48.383 81 67 15.615 17.396 20.819 25.082 30.451 36.957 44.574 53.258 82 68 17.246 19.180 22.809 27.360 33.052 39.946 48.134 57.370 83 69 19.174 21.184 25.199 30.130 36.241 43.687 52.676 63.100 84 70 21.279 23.436 27.870 33.165 39.691 47.664 57.457 69.341 85 71 22.706 24.991 29.905 35.796 43.056 51.926 62.845 76.114 86 72 24.217 26.622 32.184 38.865 47.095 57.183 69.616 84.755 87 73 25.759 28.300 34.559 42.077 51.359 62.742 76.803 95.459 88 74 26.944 29.582 36.344 44.483 54.535 66.871 83.384 104.008 89 75 27.662 30.338 37.510 46.145 56.807 70.954 88.817 111.154 90 76 28.046 30.738 37.975 46.681 58.261 72.779 91.112 114.027 91 77 28.391 31.091 38.383 47.809 59.678 74.558 93.340 116.825 92 78 29.304 32.068 40.094 49.947 62.354 77.902 97.535 122.289 93 79 30.940 34.273 42.857 53.395 66.659 83.288 104.514 131.041 94 80 32.905 36.454 45.590 56.801 70.917 88.853 111.498 139.771 95
NON-SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.591 15 0.317 0.382 0.442 0.492 0.527 0.548 0.594 0.567 16 0.384 0.444 0.475 0.506 0.527 0.587 0.570 0.547 17 0.451 0.482 0.498 0.514 0.583 0.566 0.547 0.529 18 0.460 0.486 0.502 0.564 0.567 0.538 0.520 0.507 19 0.449 0.480 0.540 0.538 0.530 0.501 0.488 0.475 20 0.426 0.504 0.513 0.506 0.492 0.459 0.456 0.442 21 0.445 0.489 0.502 0.492 0.476 0.444 0.449 0.445 22 0.425 0.470 0.490 0.480 0.464 0.442 0.439 0.434 23 0.415 0.456 0.482 0.472 0.461 0.442 0.437 0.436 24 0.398 0.440 0.467 0.468 0.461 0.446 0.440 0.444 25 0.387 0.423 0.457 0.462 0.465 0.454 0.454 0.464 26 0.369 0.404 0.436 0.446 0.459 0.459 0.464 0.476 27 0.369 0.397 0.427 0.448 0.466 0.478 0.491 0.507 28 0.375 0.401 0.429 0.454 0.478 0.498 0.516 0.545 29 0.387 0.410 0.437 0.468 0.500 0.524 0.556 0.592 30 0.402 0.430 0.462 0.491 0.528 0.566 0.599 0.646 31 0.411 0.449 0.480 0.518 0.558 0.602 0.646 0.702 32 0.413 0.455 0.494 0.535 0.580 0.630 0.690 0.755 33 0.404 0.455 0.502 0.553 0.609 0.669 0.738 0.807 34 0.391 0.454 0.512 0.574 0.643 0.712 0.785 0.861 35 0.391 0.466 0.535 0.614 0.689 0.767 0.845 0.932 36 0.391 0.482 0.568 0.657 0.745 0.828 0.920 1.015 37 0.405 0.507 0.607 0.710 0.806 0.899 0.999 1.107 38 0.435 0.553 0.674 0.787 0.895 0.997 1.108 1.233 39 0.474 0.617 0.748 0.873 0.991 1.108 1.232 1.374 40 0.512 0.672 0.817 0.957 1.078 1.202 1.345 1.502 41 0.548 0.726 0.893 1.040 1.172 1.311 1.460 1.624 42 0.594 0.797 0.979 1.144 1.298 1.450 1.610 1.789 43 0.628 0.848 1.048 1.231 1.399 1.560 1.728 1.920 44 0.661 0.897 1.118 1.319 1.493 1.666 1.847 2.050 45 0.697 0.953 1.191 1.410 1.596 1.781 1.977 2.195 46 0.734 1.007 1.264 1.505 1.715 1.915 2.129 2.373 47 0.771 1.070 1.349 1.613 1.856 2.078 2.312 2.580 48 0.806 1.138 1.447 1.740 2.026 2.281 2.539 2.840 49 0.843 1.212 1.556 1.887 2.215 2.508 2.811 3.145 50 0.879 1.296 1.677 2.045 2.410 2.754 3.100 3.472 51 0.941 1.419 1.852 2.262 2.675 3.074 3.469 3.871 52 1.010 1.554 2.037 2.496 2.947 3.393 3.821 4.264 53 1.087 1.694 2.235 2.731 3.223 3.686 4.148 4.633 54 1.174 1.848 2.440 2.977 3.492 3.971 4.461 4.983 55 1.271 2.019 2.670 3.238 3.778 4.272 4.776 5.337 56 1.389 2.214 2.925 3.535 4.092 4.593 5.127 5.731 57 1.532 2.444 3.224 3.879 4.439 4.971 5.545 6.188 58 1.701 2.721 3.584 4.279 4.868 5.443 6.056 6.735 59 1.903 3.046 3.994 4.746 5.389 6.012 6.665 7.367 60 2.134 3.405 4.450 5.269 5.992 6.661 7.350 8.077 61 2.398 3.792 4.936 5.843 6.646 7.360 8.088 8.857 62 2.697 4.193 5.437 6.459 7.315 8.087 8.866 9.700 63 3.031 4.657 6.000 7.103 7.992 8.813 9.650 10.554 64 3.409 5.207 6.638 7.774 8.695 9.562 10.447 11.431 65 3.832 5.790 7.312 8.466 9.444 10.361 11.313 12.413 66 4.292 6.366 7.970 9.175 10.240 11.249 12.319 13.628 67 4.802 6.888 8.556 9.888 11.102 12.271 13.564 15.114 68 5.356 7.370 9.085 10.598 12.036 13.494 15.089 16.953 69 5.962 7.847 9.603 11.315 13.074 14.903 16.894 19.180 70 6.609 8.304 10.104 12.049 14.181 16.466 18.980 21.757 71 7.251 9.104 11.077 13.198 15.514 18.020 20.766 23.728 72 7.950 9.975 12.127 14.436 16.975 19.710 22.653 25.879 73 8.694 10.901 13.240 15.764 18.531 21.470 24.667 28.175 74 9.344 11.704 14.215 16.920 19.859 23.006 26.425 30.166 75 9.847 12.334 14.980 17.812 20.899 24.202 27.787 31.715 76 10.256 12.843 15.588 18.532 21.737 25.161 28.882 32.959 77 10.664 13.352 16.205 19.259 22.577 26.129 29.989 34.212 78 11.314 14.164 17.184 20.412 23.924 27.685 31.764 36.230 79 12.285 15.376 18.645 22.142 25.949 30.018 34.435 39.272 80 13.278 16.608 20.136 23.910 28.012 32.398 37.161 42.376 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------- ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.502 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.516 0.482 22 8 0.371 0.436 0.488 0.527 0.538 0.530 0.495 0.463 23 9 0.438 0.491 0.530 0.541 0.543 0.508 0.476 0.450 24 10 0.493 0.532 0.543 0.557 0.521 0.489 0.462 0.432 25 11 0.535 0.546 0.571 0.535 0.502 0.475 0.445 0.420 26 12 0.549 0.585 0.548 0.515 0.488 0.457 0.432 0.399 27 13 0.588 0.562 0.528 0.501 0.470 0.444 0.410 0.404 28 14 0.564 0.541 0.514 0.482 0.457 0.422 0.417 0.405 29 15 0.544 0.522 0.495 0.469 0.434 0.429 0.418 0.408 30 16 0.525 0.508 0.477 0.447 0.442 0.431 0.421 0.410 31 17 0.512 0.494 0.462 0.457 0.446 0.436 0.424 0.403 32 18 0.494 0.479 0.448 0.446 0.440 0.433 0.418 0.395 33 19 0.465 0.457 0.430 0.434 0.432 0.428 0.411 0.394 34 20 0.439 0.439 0.415 0.423 0.421 0.419 0.412 0.399 35 21 0.448 0.454 0.438 0.438 0.435 0.432 0.432 0.421 36 22 0.441 0.452 0.445 0.440 0.443 0.449 0.454 0.450 37 23 0.444 0.461 0.456 0.452 0.463 0.472 0.474 0.491 38 24 0.458 0.476 0.483 0.480 0.497 0.511 0.530 0.551 39 25 0.479 0.502 0.515 0.524 0.545 0.577 0.597 0.621 40 26 0.496 0.526 0.544 0.563 0.596 0.633 0.661 0.683 41 27 0.535 0.572 0.591 0.624 0.662 0.703 0.733 0.751 42 28 0.580 0.622 0.651 0.686 0.726 0.772 0.803 0.834 43 29 0.632 0.695 0.726 0.759 0.801 0.845 0.887 0.927 44 30 0.706 0.776 0.809 0.843 0.883 0.934 0.980 1.034 45 31 0.776 0.851 0.887 0.925 0.974 1.032 1.087 1.155 46 32 0.834 0.916 0.955 1.005 1.059 1.124 1.192 1.272 47 33 0.889 0.980 1.034 1.094 1.166 1.253 1.339 1.425 48 34 0.948 1.046 1.115 1.191 1.290 1.399 1.492 1.606 49 35 1.031 1.135 1.215 1.308 1.422 1.537 1.642 1.776 50 36 1.119 1.235 1.328 1.434 1.556 1.686 1.806 1.947 51 37 1.222 1.352 1.456 1.563 1.695 1.842 1.982 2.118 52 38 1.365 1.512 1.608 1.721 1.857 2.017 2.179 2.324 53 39 1.527 1.679 1.783 1.903 2.055 2.239 2.449 2.612 54 40 1.661 1.832 1.937 2.064 2.231 2.448 2.693 2.904 55 41 1.803 1.989 2.113 2.264 2.466 2.720 3.022 3.317 56 42 1.988 2.201 2.349 2.537 2.765 3.058 3.407 3.785 57 43 2.130 2.383 2.578 2.809 3.087 3.422 3.826 4.261 58 44 2.275 2.580 2.827 3.117 3.449 3.837 4.261 4.775 59 45 2.443 2.796 3.108 3.457 3.854 4.271 4.750 5.315 60 46 2.645 3.041 3.410 3.827 4.270 4.751 5.291 5.895 61 47 2.909 3.324 3.733 4.172 4.669 5.202 5.778 6.404 62 48 3.218 3.646 4.058 4.538 5.085 5.667 6.307 6.984 63 49 3.554 3.980 4.412 4.922 5.510 6.161 6.875 7.631 64 50 3.878 4.332 4.795 5.353 6.024 6.781 7.626 8.520 65 51 4.303 4.798 5.287 5.902 6.645 7.507 8.471 9.491 66 52 4.733 5.272 5.811 6.489 7.321 8.292 9.375 10.518 67 53 5.154 5.749 6.359 7.122 8.048 9.117 10.325 11.613 68 54 5.573 6.242 6.936 7.804 8.823 9.990 11.325 12.718 69 55 6.010 6.762 7.558 8.536 9.658 10.935 12.411 13.883 70 56 6.469 7.324 8.229 9.323 10.565 11.971 13.595 15.269 71 57 6.963 7.938 8.957 10.180 11.562 13.112 14.907 16.831 72 58 7.526 8.613 9.747 11.105 12.640 14.371 16.367 18.632 73 59 8.193 9.364 10.605 12.089 13.803 15.752 18.101 20.626 74 60 8.958 10.197 11.535 13.155 15.065 17.371 20.012 22.823 75 61 9.807 11.110 12.604 14.434 16.737 19.449 22.511 25.867 76 62 10.725 12.120 13.786 15.937 18.599 21.730 25.304 29.273 77 63 11.676 13.185 15.185 17.714 20.859 24.620 28.902 33.584 78 64 12.676 14.387 16.647 19.509 23.123 27.429 32.128 37.584 79 65 13.869 15.761 18.360 21.706 25.917 30.785 36.296 42.689 80 66 15.292 17.378 20.310 24.064 28.626 34.056 40.232 47.195 81 67 17.028 19.363 22.729 26.873 32.033 38.188 45.263 53.163 82 68 19.195 21.794 25.436 29.957 35.548 42.224 50.020 58.642 83 69 21.788 24.588 28.717 33.729 39.871 47.255 56.053 66.089 84 70 24.699 27.798 32.472 37.977 44.687 52.795 62.647 74.455 85 71 26.933 30.306 35.642 41.947 49.639 58.933 70.248 83.842 86 72 29.368 33.025 39.254 46.637 55.634 66.533 79.830 95.836 87 73 31.955 35.926 43.162 51.735 62.199 74.891 90.407 109.898 88 74 34.206 38.455 46.509 56.070 67.754 81.936 99.933 121.931 89 75 35.959 40.409 49.210 59.671 72.449 88.515 108.392 132.742 90 76 37.357 41.973 51.109 61.964 75.650 92.454 113.271 138.758 91 77 38.768 43.555 53.029 64.613 78.907 96.483 118.243 144.922 92 78 41.051 46.115 56.397 68.737 83.986 102.725 125.955 153.207 93 79 44.493 50.179 61.386 74.856 91.490 111.958 136.308 165.782 94 80 48.175 54.349 66.521 81.142 99.222 120.624 146.844 178.597 95
SMOKER - FEMALE
x [x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 --- ------ ------ ------ ------ ------ ------ ------ ------ 0 2.784 0.629 0.391 0.298 0.239 0.214 0.184 0.168 1 0.638 0.397 0.303 0.243 0.217 0.187 0.171 0.152 2 0.403 0.307 0.247 0.220 0.190 0.174 0.154 0.140 3 0.312 0.251 0.224 0.193 0.176 0.157 0.142 0.137 4 0.254 0.227 0.196 0.179 0.159 0.144 0.138 0.138 5 0.230 0.199 0.182 0.161 0.146 0.140 0.139 0.148 6 0.202 0.184 0.163 0.148 0.142 0.141 0.149 0.189 7 0.187 0.166 0.150 0.144 0.142 0.151 0.191 0.236 8 0.168 0.152 0.145 0.144 0.152 0.193 0.238 0.306 9 0.154 0.147 0.146 0.154 0.194 0.240 0.308 0.373 10 0.149 0.147 0.155 0.196 0.242 0.311 0.375 0.440 11 0.149 0.157 0.198 0.244 0.313 0.377 0.442 0.496 12 0.158 0.200 0.246 0.315 0.380 0.445 0.498 0.538 13 0.202 0.248 0.317 0.382 0.447 0.501 0.540 0.552 14 0.250 0.319 0.384 0.449 0.503 0.543 0.554 0.919 15 0.317 0.382 0.442 0.492 0.527 0.548 0.924 0.898 16 0.384 0.444 0.475 0.506 0.527 0.912 0.903 0.882 17 0.451 0.482 0.498 0.514 0.907 0.896 0.882 0.869 18 0.460 0.486 0.502 0.877 0.898 0.867 0.853 0.846 19 0.449 0.480 0.839 0.852 0.854 0.822 0.814 0.806 20 0.426 0.783 0.813 0.815 0.808 0.766 0.775 0.768 21 0.692 0.774 0.809 0.807 0.794 0.754 0.779 0.793 22 0.672 0.757 0.803 0.800 0.787 0.766 0.782 0.798 23 0.669 0.747 0.805 0.802 0.800 0.788 0.805 0.833 24 0.653 0.734 0.794 0.813 0.822 0.820 0.840 0.877 25 0.646 0.719 0.793 0.824 0.856 0.866 0.895 0.942 26 0.627 0.702 0.777 0.821 0.875 0.906 0.943 0.990 27 0.641 0.708 0.787 0.855 0.920 0.970 1.021 1.074 28 0.670 0.738 0.819 0.897 0.972 1.036 1.092 1.171 29 0.712 0.782 0.862 0.950 1.040 1.111 1.193 1.287 30 0.767 0.849 0.939 1.021 1.118 1.215 1.303 1.424 31 0.811 0.913 0.997 1.096 1.196 1.310 1.423 1.566 32 0.839 0.946 1.046 1.147 1.262 1.388 1.540 1.707 33 0.840 0.963 1.077 1.204 1.342 1.493 1.668 1.848 34 0.828 0.975 1.114 1.265 1.435 1.609 1.796 1.997 35 0.839 1.014 1.179 1.371 1.557 1.756 1.958 2.178 36 0.850 1.062 1.267 1.485 1.706 1.919 2.150 2.393 37 0.892 1.131 1.372 1.625 1.869 2.102 2.354 2.630 38 0.971 1.251 1.542 1.823 2.092 2.350 2.631 2.940 39 1.071 1.413 1.734 2.041 2.335 2.631 2.937 3.263 40 1.172 1.559 1.910 2.254 2.561 2.867 3.193 3.552 41 1.269 1.696 2.103 2.470 2.796 3.113 3.453 3.827 42 1.388 1.879 2.326 2.729 3.083 3.430 3.794 4.198 43 1.481 2.013 2.499 2.923 3.308 3.675 4.055 4.486 44 1.570 2.140 2.656 3.120 3.518 3.909 4.316 4.752 45 1.662 2.263 2.817 3.322 3.744 4.163 4.584 5.025 46 1.744 2.382 2.977 3.532 4.007 4.440 4.875 5.364 47 1.824 2.521 3.165 3.770 4.303 4.757 5.227 5.758 48 1.899 2.670 3.381 4.033 4.637 5.157 5.667 6.231 49 1.978 2.832 3.606 4.319 5.008 5.599 6.166 6.780 50 2.054 3.005 3.839 4.624 5.380 6.043 6.683 7.352 51 2.180 3.249 4.187 5.048 5.868 6.627 7.347 8.050 52 2.313 3.514 4.548 5.475 6.352 7.185 7.946 8.664 53 2.457 3.782 4.902 5.888 6.824 7.664 8.428 9.192 54 2.620 4.053 5.260 6.305 7.262 8.068 8.849 9.696 55 2.789 4.353 5.654 6.734 7.676 8.475 9.293 10.181 56 2.994 4.689 6.082 7.183 8.118 8.936 9.781 10.714 57 3.244 5.082 6.551 7.695 8.638 9.483 10.365 11.332 58 3.537 5.529 7.110 8.326 9.286 10.176 11.090 12.078 59 3.867 6.044 7.772 9.054 10.074 11.011 11.953 12.930 60 4.233 6.626 8.490 9.850 10.973 11.945 12.899 13.867 61 4.666 7.234 9.228 10.701 11.918 12.917 13.885 14.868 62 5.144 7.838 9.957 11.583 12.837 13.884 14.884 15.913 63 5.666 8.529 10.760 12.466 13.721 14.795 15.830 16.912 64 6.243 9.338 11.649 13.347 14.597 15.686 16.741 17.881 65 6.872 10.162 12.554 14.212 15.493 16.603 17.697 18.943 66 7.533 10.930 13.380 15.052 16.409 17.597 18.800 20.278 67 8.244 11.564 14.037 15.845 17.368 18.726 20.183 21.913 68 8.991 12.091 14.558 16.579 18.369 20.079 21.877 24.095 69 9.780 12.575 15.022 17.267 19.453 21.607 24.012 26.710 70 10.590 12.990 15.420 17.929 20.560 23.403 26.431 29.677 71 11.343 13.894 16.483 19.134 22.050 25.094 28.325 31.687 72 12.132 14.842 17.581 20.517 23.638 26.885 30.251 33.817 73 12.936 15.804 18.819 21.952 25.277 28.671 32.234 36.011 74 13.548 16.634 19.796 23.080 26.520 30.063 33.775 37.692 75 13.995 17.176 20.433 23.786 27.310 30.933 34.719 38.723 76 14.282 17.518 20.817 24.217 27.782 31.438 35.263 39.299 77 14.546 17.830 21.176 24.615 28.210 31.902 35.757 39.812 78 15.108 18.509 21.964 25.505 29.211 33.010 36.964 41.125 79 16.054 19.652 23.296 27.035 30.941 34.932 39.087 43.453 80 __.___ __.___ __.___ __.___ __.___ 36.775 41.117 45.6_6 x [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULTIMATE --- ------ ------ ------ ------ ------ ------- ------- -------- 0 0.150 0.137 0.132 0.132 0.140 0.179 0.223 0.289 15 1 0.138 0.133 0.133 0.142 0.181 0.225 0.291 0.355 16 2 0.135 0.135 0.143 0.183 0.227 0.294 0.357 0.423 17 3 0.136 0.145 0.184 0.228 0.296 0.360 0.425 0.476 18 4 0.146 0.186 0.230 0.298 0.362 0.427 0.479 0.516 19 5 0.188 0.232 0.300 0.364 0.429 0.481 0.519 0.530 20 6 0.234 0.302 0.366 0.432 0.484 0.522 0.532 0.798 21 7 0.304 0.368 0.434 0.486 0.524 0.535 0.816 0.780 22 8 0.371 0.436 0.488 0.527 0.538 0.834 0.797 0.763 23 9 0.438 0.491 0.530 0.541 0.853 0.816 0.781 0.753 24 10 0.493 0.532 0.543 0.872 0.834 0.799 0.771 0.737 25 11 0.535 0.546 0.891 0.852 0.817 0.789 0.755 0.727 26 12 0.549 0.910 0.871 0.835 0.808 0.773 0.746 0.707 27 13 0.915 0.889 0.854 0.827 0.792 0.764 0.725 0.737 28 14 0.894 0.873 0.845 0.810 0.783 0.743 0.756 0.761 29 15 0.878 0.857 0.829 0.802 0.762 0.776 0.782 0.794 30 16 0.862 0.848 0.813 0.780 0.796 0.804 0.817 0.826 31 17 0.854 0.839 0.805 0.821 0.829 0.842 0.852 0.836 32 18 0.838 0.832 0.802 0.826 0.848 0.866 0.865 0.839 33 19 0.808 0.815 0.794 0.833 0.861 0.881 0.870 0.852 34 20 0.784 0.808 0.794 0.840 0.863 0.883 0.887 0.875 35 21 0.825 0.866 0.867 0.896 0.913 0.927 0.942 0.934 36 22 0.842 0.893 0.907 0.921 0.948 0.976 1.004 1.012 37 23 0.877 0.936 0.952 0.964 1.003 1.041 1.062 1.120 38 24 0.930 0.990 1.026 1.037 1.092 1.141 1.204 1.272 39 25 0.996 1.063 1.109 1.146 1.214 1.306 1.373 1.452 40 26 1.050 1.130 1.186 1.248 1.343 1.451 1.539 1.615 41 27 1.149 1.245 1.307 1.402 1.512 1.631 1.727 1.791 42 28 1.261 1.370 1.457 1.562 1.679 1.813 1.909 2.006 43 29 1.392 1.550 1.646 1.750 1.874 2.001 2.125 2.247 44 30 1.576 1.753 1.857 1.967 2.084 2.231 2.368 2.519 45 31 1.755 1.947 2.062 2.177 2.318 2.484 2.636 2.801 46 32 1.908 2.122 2.239 2.384 2.541 2.717 2.880 3.073 47 33 2.060 2.289 2.444 2.614 2.809 3.016 3.221 3.428 48 34 2.215 2.466 2.656 2.858 3.093 3.353 3.575 3.848 49 35 2.430 2.696 2.906 3.126 3.397 3.669 3.918 4.237 50 36 2.659 2.944 3.165 3.415 3.702 4.010 4.294 4.608 51 37 2.915 3.211 3.454 3.707 4.017 4.362 4.672 4.950 52 38 3.242 3.576 3.801 4.064 4.382 4.737 5.073 5.364 53 39 3.612 3.955 4.196 4.475 4.810 5.195 5.631 5.952 54 40 3.914 4.298 4.541 4.815 5.159 5.607 6.114 6.504 55 41 4.230 4.648 4.913 5.216 5.630 6.152 6.744 7.301 56 42 4.645 5.101 5.395 5.773 6.233 6.798 7.470 8.185 57 43 4.936 5.456 5.846 6.310 6.839 7.476 8.242 9.047 58 44 5.207 5.833 6.330 6.883 7.509 8.236 9.012 9.906 59 45 5.523 6.241 6.839 7.501 8.243 9.001 9.816 10.766 60 46 5.904 6.671 7.374 8.156 8.968 9.784 10.678 11.711 61 47 6.382 7.166 7.929 8.732 9.580 10.459 11.436 12.473 62 48 6.938 7.721 8.466 9.280 10.188 11.175 12.238 13.331 63 49 7.526 8.277 8.992 9.828 10.827 11.912 13.074 14.268 64 50 8.064 8.801 9.543 10.484 11.606 12.848 14.205 15.601 65 51 8.743 9.519 10.320 11.331 12.546 13.933 15.452 17.007 66 52 9.391 10.257 11.120 12.210 13.541 15.069 16.736 18.439 67 53 10.029 10.967 11.925 13.126 14.575 16.215 18.031 19.905 68 54 10.632 11.669 12.742 14.086 15.637 17.383 19.338 21.303 69 55 11.236 12.384 13.597 15.076 16.745 18.604 20.709 22.714 70 56 11.847 13.134 14.488 16.110 17.911 19.903 22.158 24.388 71 57 12.487 13.931 15.427 17.201 19.155 21.294 23.719 26.226 72 58 13.208 14.788 16.415 18.336 20.454 22.783 25.407 28.307 73 59 14.066 15.720 17.453 19.497 21.806 24.363 27.396 30.534 74 60 15.038 16.729 18.543 20.712 23.218 26.195 29.511 33.121 75 61 16.089 17.803 19.780 22.169 25.150 28.576 32.545 36.779 76 62 17.186 18.960 21.105 23.868 27.232 31.300 35.842 40.770 77 63 18.264 20.122 22.667 25.848 29.940 34.745 40.100 45.791 78 64 19.345 21.407 24.211 27.907 32.518 37.917 43.641 50.146 79 65 20.637 22.850 26.178 30.422 35.701 41.662 48.244 55.710 80 66 22.170 24.700 28.372 33.036 38.605 45.101 52.304 60.210 81 67 24.203 26.965 31.101 36.118 42.273 49.465 57.526 66.276 82 68 26.731 29.729 34.074 39.399 45.884 53.466 62.120 71.394 83 69 29.719 32.834 37.645 43.388 50.310 58.473 67.982 78.525 84 70 32.983 36.325 41.634 47.758 55.100 63.796 74.152 86.291 85 71 35.195 38.735 44.674 51.546 59.772 69.501 81.106 94.720 86 72 37.537 41.264 48.079 55.966 65.379 76.537 89.845 105.472 87 73 39.927 43.864 51.627 60.591 71.299 83.978 99.119 118.794 88 74 41.764 45.853 54.293 64.055 75.707 89.504 107.612 129.432 89 75 42.876 47.024 56.035 66.449 78.862 94.969 114.624 138.325 90 76 43.471 47.644 56.729 67.221 80.880 97.412 117.586 141.900 91 77 44.006 48.192 57.340 68.846 82.846 99.793 120.461 145.383 92 78 45.421 49.706 59.896 71.924 86.562 104.269 125.875 152.182 93 79 47.957 53.123 64.022 76.889 92.538 111.478 134.882 16_.073 94 80 51.002 56.504 68.105 81.793 98.449 118.926 143.895 17_.9_8 95
PREFERRED NON-SMOKER - MALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 3.25 0.73 0.46 0.35 0.28 0.25 0.21 0.20 0.18 0.16 0.18 0.21 0.25 0.35 0.47 0.65 15 1 0.78 0.48 0.37 0.30 0.26 0.23 0.21 0.19 0.17 0.17 0.19 0.23 0.32 0.43 0.60 0.78 16 2 0.51 0.39 0.31 0.28 0.24 0.22 0.20 0.18 0.18 0.18 0.22 0.30 0.40 0.56 0.73 0.91 17 3 0.41 0.33 0.29 0.25 0.23 0.21 0.19 0.19 0.19 0.20 0.28 0.38 0.53 0.68 0.85 1.02 18 4 0.35 0.31 0.27 0.24 0.22 0.20 0.19 0.20 0.21 0.27 0.36 0.50 0.64 0.80 0.96 1.10 19 5 0.33 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.35 0.48 0.61 0.76 0.91 1.04 1.12 20 6 0.30 0.27 0.24 0.22 0.21 0.21 0.23 0.29 0.36 0.46 0.59 0.73 0.87 0.99 1.06 0.46 21 7 0.28 0.25 0.23 0.22 0.22 0.24 0.30 0.37 0.48 0.58 0.71 0.84 0.95 1.02 0.47 0.45 22 8 0.26 0.24 0.23 0.23 0.25 0.31 0.39 0.50 0.60 0.70 0.82 0.93 0.99 0.47 0.46 0.44 23 9 0.25 0.24 0.24 0.25 0.32 0.40 0.51 0.62 0.73 0.82 0.92 0.97 0.47 0.46 0.45 0.43 24 10 0.25 0.25 0.26 0.33 0.41 0.53 0.64 0.75 0.84 0.92 0.96 0.48 0.46 0.45 0.45 0.43 25 11 0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 0.48 0.47 0.45 0.45 0.44 0.42 26 12 0.27 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 0.49 0.47 0.46 0.45 0.44 0.44 0.41 27 13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 0.50 0.47 0.46 0.45 0.44 0.43 0.42 0.42 28 14 0.43 0.56 0.67 0.79 0.88 0.96 0.98 0.51 0.49 0.47 0.46 0.44 0.44 0.42 0.44 0.43 29 15 0.55 0.67 0.78 0.87 0.94 0.98 0.53 0.50 0.48 0.46 0.45 0.44 0.42 0.43 0.44 0.44 30 16 0.65 0.75 0.81 0.86 0.90 0.52 0.51 0.49 0.47 0.45 0.44 0.43 0.44 0.44 0.45 0.45 31 17 0.71 0.77 0.80 0.83 0.52 0.51 0.49 0.48 0.46 0.44 0.43 0.44 0.45 0.45 0.47 0.45 32 18 0.68 0.73 0.76 0.50 0.51 0.48 0.47 0.46 0.45 0.44 0.42 0.44 0.45 0.46 0.46 0.44 33 19 0.63 0.68 0.47 0.48 0.47 0.45 0.44 0.43 0.43 0.42 0.41 0.43 0.44 0.46 0.46 0.44 34 20 0.56 0.44 0.45 0.45 0.44 0.41 0.42 0.41 0.41 0.41 0.40 0.42 0.44 0.45 0.46 0.45 35 21 0.37 0.41 0.43 0.42 0.41 0.38 0.39 0.39 0.39 0.39 0.40 0.42 0.43 0.45 0.47 0.46 36 22 0.34 0.38 0.40 0.39 0.38 0.37 0.36 0.36 0.37 0.38 0.39 0.40 0.42 0.45 0.47 0.47 37 23 0.32 0.36 0.38 0.37 0.37 0.35 0.35 0.35 0.36 0.37 0.38 0.40 0.43 0.45 0.48 0.51 38 24 0.30 0.33 0.36 0.36 0.35 0.34 0.34 0.34 0.35 0.37 0.39 0.41 0.44 0.47 0.52 0.55 39 25 0.28 0.31 0.34 0.34 0.34 0.33 0.34 0.34 0.35 0.37 0.40 0.42 0.46 0.51 0.56 0.60 40 26 0.27 0.29 0.32 0.32 0.33 0.33 0.34 0.35 0.36 0.38 0.41 0.45 0.50 0.56 0.62 0.66 41 27 0.26 0.28 0.30 0.31 0.33 0.34 0.35 0.36 0.38 0.40 0.44 0.49 0.55 0.62 0.68 0.73 42 28 0.26 0.28 0.30 0.31 0.33 0.35 0.36 0.38 0.40 0.43 0.47 0.53 0.60 0.67 0.75 0.81 43 29 0.26 0.28 0.30 0.32 0.34 0.36 0.38 0.40 0.43 0.47 0.52 0.58 0.65 0.74 0.83 0.90 44 30 0.27 0.29 0.31 0.33 0.35 0.38 0.40 0.43 0.47 0.52 0.58 0.64 0.72 0.81 0.91 1.01 45 31 0.27 0.30 0.32 0.35 0.38 0.40 0.43 0.47 0.52 0.57 0.63 0.71 0.80 0.90 1.01 1.13 46 32 0.28 0.31 0.34 0.37 0.39 0.43 0.47 0.52 0.57 0.63 0.70 0.79 0.88 1.00 1.14 1.27 47 33 0.28 0.31 0.35 0.38 0.42 0.46 0.51 0.56 0.62 0.69 0.77 0.87 0.98 1.13 1.28 1.43 48 34 0.28 0.32 0.36 0.41 0.46 0.50 0.56 0.61 0.68 0.75 0.85 0.96 1.11 1.27 1.44 1.61 49 35 0.28 0.33 0.38 0.44 0.49 0.55 0.60 0.67 0.74 0.82 0.93 1.07 1.24 1.42 1.61 1.82 50 36 0.28 0.35 0.41 0.47 0.54 0.60 0.67 0.74 0.82 0.91 1.04 1.20 1.38 1.59 1.81 2.04 51 37 0.30 0.37 0.45 0.52 0.59 0.67 0.74 0.82 0.92 1.02 1.17 1.33 1.54 1.78 2.03 2.26 52 38 0.32 0.41 0.49 0.58 0.66 0.74 0.82 0.92 1.03 1.14 1.30 1.48 1.70 1.97 2.27 2.53 53 39 0.35 0.45 0.55 0.64 0.73 0.82 0.92 1.03 1.15 1.27 1.44 1.64 1.88 2.19 2.55 2.84 54 40 0.3_ 0.50 0.61 0.72 0.81 0.91 1.02 1.15 1.28 1.41 1.60 1.81 2.09 2.44 2.85 3.22 55 41 0.42 0.55 0.68 0.80 0.90 1.02 1.14 1.27 1.42 1.57 1.77 2.02 2.34 2.74 3.24 3.71 56 42 0.45 0.61 0.75 0.88 1.00 1.13 1.26 1.40 1.56 1.73 1.98 2.27 2.64 3.11 3.69 4.28 57 43 0.49 0.66 0.82 0.97 1.10 1.24 1.38 1.54 1.71 1.92 2.20 2.56 2.99 3.52 4.19 4.87 58 44 0.52 0.71 0.89 1.06 1.21 1.35 1.50 1.67 1.86 2.11 2.46 2.88 3.39 4.00 4.72 5.53 59 45 0.56 0.78 0.97 1.16 1.32 1.48 1.64 1.83 2.04 2.33 2.75 3.25 3.84 4.51 5.34 6.23 60 46 0.61 0.84 1.06 1.27 1.45 1.62 1.81 2.01 2.25 2.58 3.07 3.64 4.29 5.06 5.97 6.91 61 47 0.66 0.91 1.16 1.39 1.60 1.80 2.00 2.23 2.52 2.88 3.42 4.04 4.79 5.66 6.66 7.68 62 48 0.70 1.00 1.27 1.53 1.79 2.01 2.24 2.51 2.84 3.22 3.79 4.49 5.34 6.31 7.44 8.57 63 49 0.75 1.09 1.40 1.70 1.99 2.26 2.53 2.83 3.20 3.59 4.22 4.99 5.92 7.02 8.31 9.59 64 50 0.80 1.19 1.54 1.88 2.21 2.53 2.85 3.19 3.56 3.99 4.67 5.51 6.55 7.79 9.25 10.70 65 51 0.86 1.30 1.70 2.07 2.45 2.82 3.18 3.55 3.96 4.42 5.16 6.10 7.27 8.70 10.38 12.06 66 52 0.92 1.42 1.86 2.28 2.70 3.10 3.49 3.91 4.35 4.86 5.69 6.74 8.07 9.69 11.61 13.54 67 53 0.99 1.54 2.04 2.49 2.94 3.36 3.79 4.25 4.74 5.30 6.24 7.43 8.93 10.74 12.92 15.25 68 54 1.07 1.68 2.22 2.71 3.18 3.62 4.08 4.57 5.13 5.76 6.83 8.18 9.84 11.87 14.42 17.03 69 55 1.15 1.83 2.42 2.94 3.44 3.90 4.37 4.90 5.53 6.24 7.45 8.98 10.85 13.19 16.08 18.98 70 56 1.26 2.01 2.65 3.21 3.72 4.19 4.69 5.26 5.96 6.76 8.11 9.81 11.94 14.53 17.76 21.06 71 57 1.__ 2.21 2.92 3.52 4.04 4.54 5.08 5.__ 6.41 7.32 8.83 10.78 13.15 16.05 19.64 23.46 72 58 1.53 2.46 3.24 3.88 4.43 4.97 5.55 6.18 6.93 7.95 9.66 11.83 14.48 17.73 21.78 25.85 73 59 1.71 2.75 3.62 4.31 4.91 5.50 6.10 6.76 7.54 8.69 10.57 12.96 15.93 19.61 23.98 28.50 74 60 1.92 3.08 4.03 4.79 5.46 6.09 6.73 7.42 8.28 9.50 11.57 14.20 17.54 21.55 26.43 31.41 75 61 2.16 3.43 4.47 5.31 6.06 6.72 7.41 8.16 9.11 10.41 12.67 15.59 19.20 23.69 29.06 34.63 76 62 2.43 3.79 4.93 5.87 6.66 7.39 8.15 8.98 10.01 11.43 13.91 17.04 21.05 25.99 31.93 38.19 77 63 2.73 4.21 5.44 6.45 7.28 8.08 8.90 9.81 10.96 12.52 15.17 18.62 23.02 28.49 35.05 42.10 78 64 3.08 4.71 6.02 7.07 7.94 8.79 9.67 10.68 11.98 13.64 16.55 20.31 25.17 31.20 38.41 46.30 79 65 3.46 5.24 6.63 7.71 8.65 9.56 10.52 11.67 13.09 14.93 18.09 22.21 27.54 34.16 42.06 50.68 80 66 3.87 5.76 7.24 8.37 9.41 10.41 11.52 12.80 14.43 16.45 19.94 24.51 30.40 37.71 46.48 55.81 81 67 4.33 6.24 7.78 9.05 10.23 11.42 12.69 14.21 16.06 18.30 22.17 27.19 33.63 41.64 51.31 61.44 82 68 4.83 6.68 8.28 9.72 11.15 12.56 14.12 15.93 18.09 20.59 24.87 30.33 37.31 45.99 56.57 67.53 83 69 5.38 7.12 8.77 10.42 12.12 13.89 15.82 18.02 20.53 23.31 28.03 33.94 41.43 50.74 62.25 74.50 84 70 5.97 7.55 9.26 11.12 13.17 15.36 17.77 20.45 23.36 26.45 31.64 38.00 45.97 55.91 68.39 82.23 85 71 6.56 8.30 10.17 12.20 14.42 16.82 19.47 22.38 25.56 28.95 34.63 41.56 50.25 61.10 74.71 89.81 86 72 7.21 9.12 11.17 13.37 15.80 18.43 21.31 24.50 27.98 31.67 37.87 45.44 54.94 66.77 81.61 98.05 87 73 7.91 10.00 12.22 14.63 17.28 20.15 23.29 26.77 30.57 34.60 41.36 49.60 59.94 72.81 88.97 107.55 88 74 8.54 10.77 13.15 15.74 18.59 21.67 25.05 28.78 32.86 37.17 44.41 53.24 64.32 78.12 95.96 116.00 89 75 9.03 11.38 13.90 16.63 19.63 22.88 26.45 30.39 34.67 39.20 46.83 56.12 67.76 82.71 101.61 122.88 90 128.64 91 134.52 92 142.27 93 154.03 94
PREFERRED NON-SMOKER - FEMALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 1 0.53 0.33 0.25 0.20 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 16 2 0.34 0.26 0.21 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 0.35 17 3 0.26 0.21 0.19 0.16 0.15 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.25 0.30 0.35 0.40 18 4 0.21 0.19 0.16 0.15 0.13 0.12 0.12 0.11 0.12 0.15 0.19 0.25 0.30 0.36 0.40 0.43 19 5 0.19 0.17 0.15 0.13 0.12 0.12 0.12 0.12 0.16 0.19 0.25 0.30 0.36 0.40 0.43 0.44 20 6 0.17 0.15 0.14 0.12 0.12 0.12 0.12 0.16 0.20 0.25 0.31 0.36 0.40 0.44 0.44 0.32 21 7 0.16 0.14 0.12 0.12 0.12 0.13 0.16 0.20 0.25 0.31 0.36 0.41 0.44 0.45 0.33 0.31 22 8 0.14 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.36 0.41 0.44 0.45 0.33 0.32 0.31 23 9 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.33 0.32 0.31 0.30 24 10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.33 0.32 0.31 0.31 0.29 25 11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.33 0.32 0.31 0.31 0.30 0.29 26 12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.33 0.32 0.31 0.31 0.30 0.29 0.28 27 13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.34 0.33 0.31 0.31 0.30 0.29 0.28 0.29 28 14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.35 0.33 0.32 0.31 0.30 0.29 0.28 0.29 0.29 29 15 0.26 0.32 0.37 0.41 0.44 0.46 0.36 0.34 0.33 0.31 0.30 0.30 0.28 0.29 0.30 0.30 30 16 0.33 0.38 0.40 0.43 0.45 0.36 0.35 0.34 0.32 0.31 0.30 0.29 0.29 0.30 0.31 0.31 31 17 0.38 0.41 0.42 0.44 0.36 0.35 0.34 0.32 0.31 0.30 0.29 0.30 0.30 0.31 0.32 0.31 32 18 0.39 0.41 0.43 0.34 0.35 0.33 0.32 0.31 0.30 0.29 0.28 0.29 0.30 0.31 0.32 0.31 33 19 0.38 0.41 0.33 0.33 0.32 0.31 0.30 0.29 0.29 0.28 0.28 0.29 0.30 0.31 0.32 0.31 34 20 0.36 0.30 0.31 0.31 0.30 0.28 0.28 0.27 0.27 0.27 0.27 0.29 0.30 0.31 0.32 0.32 35 21 0.26 0.29 0.29 0.29 0.28 0.26 0.26 0.26 0.26 0.27 0.27 0.28 0.30 0.31 0.33 0.33 36 22 0.25 0.27 0.29 0.28 0.27 0.26 0.26 0.25 0.26 0.26 0.27 0.28 0.30 0.32 0.34 0.34 37 23 0.24 0.27 0.28 0.28 0.27 0.26 0.25 0.25 0.26 0.27 0.28 0.29 0.31 0.33 0.35 0.38 38 24 0.23 0.26 0.27 0.27 0.27 0.26 0.26 0.26 0.27 0.28 0.29 0.31 0.33 0.36 0.39 0.41 39 25 0.22 0.25 0.27 0.27 0.27 0.26 0.26 0.27 0.28 0.29 0.31 0.33 0.36 0.40 0.43 0.46 40 26 0.22 0.24 0.26 0.26 0.27 0.27 0.27 0.28 0.29 0.31 0.33 0.36 0.40 0.44 0.48 0.50 41 27 0.22 0.23 0.25 0.26 0.27 0.28 0.29 0.30 0.32 0.34 0.36 0.40 0.44 0.49 0.53 0.55 42 28 0.22 0.24 0.26 0.27 0.29 0.30 0.31 0.33 0.35 0.37 0.40 0.44 0.49 0.54 0.58 0.61 43 29 0.23 0.25 0.27 0.28 0.30 0.32 0.34 0.36 0.38 0.42 0.46 0.50 0.54 0.59 0.64 0.68 44 30 0.25 0.26 0.2_ 0.30 0.33 0.35 0.37 0.40 0.43 0.48 0.52 0.56 0.60 0.66 0.71 0.76 45 31 0.25 0.28 0.30 0.32 0.34 0.37 0.40 0.43 0.48 0.52 0.57 0.61 0.66 0.73 0.79 0.85 46 32 0.26 0.29 0.31 0.34 0.36 0.40 0.43 0.47 0.52 0.58 0.62 0.68 0.74 0.81 0.8_ 0.96 47 33 0.26 0.29 0.32 0.35 0.39 0.43 0.47 0.52 0.57 0.63 0.68 0.75 0.82 0.91 1.00 1.07 48 34 0.26 0.30 0.33 0.37 0.42 0.46 0.51 0.56 0.62 0.68 0.75 0.82 0.91 1.02 1.11 1.21 49 35 0.26 0.31 0.35 0.40 0.45 0.50 0.55 0.61 0.68 0.74 0.82 0.91 1.02 1.13 1.25 1.36 50 36 0.25 0.31 0.37 0.42 0.48 0.54 0.59 0.66 0.72 0.80 0.89 0.99 1.11 1.24 1.37 1.49 51 37 0.26 0.32 0.39 0.45 0.51 0.57 0.64 0.71 0.78 0.86 0.96 1.07 1.20 1.35 1.50 1.63 52 38 0.27 0.34 0.42 0.49 0.55 0.62 0.68 0.76 0.84 0.93 1.03 1.15 1.29 1.46 1.64 1.79 53 39 0.28 0.37 0.45 0.52 0.59 0.66 0.73 0.82 0.91 1.00 1.11 1.24 1.39 1.58 1.81 1.97 54 40 0.30 0.39 0.48 0.56 0.63 0.70 0.79 0.88 0.97 1.07 1.19 1.33 1.50 1.72 1.98 2.20 55 41 0.32 0.43 0.52 0.61 0.69 0.77 0.86 0.95 1.06 1.17 1.29 1.45 1.64 1.89 2.19 2.46 56 42 0.34 0.46 0.56 0.66 0.75 0.84 0.93 1.03 1.14 1.27 1.41 1.59 1.81 2.08 2.42 2.75 57 43 0.36 0.49 0.60 0.71 0.81 0.90 1.00 1.11 1.23 1.37 1.54 1.75 2.00 2.30 2.67 3.03 58 44 0.38 0.52 0.64 0.76 0.86 0.96 1.07 1.18 1.31 1.49 1.69 1.93 2.21 2.54 2.92 3.32 59 45 0.40 0.55 0.69 0.81 0.92 1.03 1.14 1.27 1.41 1.61 1.85 2.13 2.44 2.79 3.20 3.62 60 46 0.42 0.58 0.73 0.87 0.99 1.11 1.23 1.37 1.53 1.76 2.03 2.35 2.71 3.11 3.57 4.01 61 47 0.45 0.62 0.78 0.93 1.07 1.20 1.34 1.49 1.68 1.92 2.23 2.59 2.99 3.45 3.97 4.46 62 48 0.47 0.66 0.84 1.01 1.17 1.32 1.47 1.64 1.86 2.11 2.44 2.83 3.30 3.82 4.41 4.97 63 49 0.49 0.70 0.90 1.09 1.28 1.45 1.63 1.82 2.06 2.31 2.67 3.10 3.62 4.21 4.90 5.56 64 50 0.51 0.75 0.97 1.19 1.40 1.60 1.80 2.01 2.25 2.51 2.90 3.37 3.96 4.64 5.44 6.21 65 51 0.55 0.82 1.07 1.31 1.55 1.78 2.01 2.25 2.50 2.78 3.20 3.72 4.36 5.14 6.04 6.91 66 52 0.59 0.90 1.18 1.45 1.71 1.97 2.22 2.47 2.75 3.06 3.51 4.09 4.81 5.67 6.69 7.66 67 53 0.63 0.98 1.30 1.58 1.87 2.14 2.41 2.69 2.99 3.33 3.84 4.49 5.28 6.24 7.36 8.46 68 54 0.68 1.07 1.42 1.73 2.03 2.30 2.59 2.89 3.23 3.62 4.19 4.92 5.79 6.83 8.07 9.26 69 55 0.74 1.17 1.55 1.80 2.19 2.48 2.77 3.10 3.49 3.92 4.57 5.38 6.34 7.48 8.85 10.11 70 56 0.81 1.28 1.70 2.05 2.37 2.66 2.97 3.32 3.75 4.25 4.97 5.87 6.94 8.19 9.69 11.12 71 57 0.89 1.42 1.87 2.25 2.57 2.88 3.22 3.59 4.04 4.60 5.41 6.41 7.59 8.97 10.63 12.26 72 58 0.99 1.58 2.08 2.48 2.82 3.16 3.51 3.91 4.36 5.00 5.89 7.00 8.30 9.83 11.67 13.57 73 59 1.10 1.77 2.32 2.75 3.12 3.49 3.87 4.27 4.75 5.43 6.41 7.62 9.06 10.78 12.91 15.03 74 60 1.24 1.98 2.58 3.06 3.48 3.86 4.26 4.68 5.20 5.91 6.97 8.29 9.89 11.88 14.27 16.63 75 61 1.39 2.20 2.86 3.39 3.85 4.27 4.69 5.14 5.69 6.44 7.62 9.09 10.98 13.30 16.04 18.83 76 62 1.56 2.43 3.15 3.75 4.24 4.69 5.14 5.63 6.22 7.03 8.33 10.03 12.20 14.85 18.01 21.29 77 63 1.76 2.70 3.48 4.12 4.63 5.11 5.60 6.12 6.77 7.65 9.14 11.06 13.52 16.56 20.19 23.88 78 64 1.98 3.02 3.85 4.51 5.04 5.55 6.06 6.63 7.35 8.34 10.02 12.18 14.99 18.45 22.43 26.71 79 65 2.22 3.36 4.24 4.91 5.48 6.01 6.56 7.20 8.04 9.14 11.01 13.45 16.61 20.41 24.90 29.71 80 66 2.49 3.69 4.62 5.32 5.94 6.52 7.14 7.90 8.87 10.08 12.22 15.02 18.53 22.88 28.05 33.50 81 67 2.78 4.00 4.96 5.73 6.44 7.12 7.87 8.77 9.88 11.23 13.67 16.76 20.72 25.63 31.54 37.71 82 68 3.11 4.27 5.27 6.15 6.98 7.83 8.75 9.83 11.13 12.64 15.35 18.81 23.22 28.70 35.39 42.34 83 69 3.46 4.55 5.57 6.56 7.58 8.64 9.80 11.12 12.64 14.26 17.32 21.16 26.02 32.10 39.61 47.65 84 70 3.83 4.__ 5.86 6.99 8.22 9.55 11.01 12.62 14.33 16.12 19.58 23.82 29.15 35.82 44.22 53.61 85 71 4.21 5.__ 6.42 7.65 9.00 10.45 12.04 13.77 15.62 17.58 21.49 26.29 32.35 39.94 49.53 60.31 86 72 4.61 5.78 7.03 8.37 9.84 11.43 13.14 15.01 17.03 19.15 23.58 29.02 35.89 44.53 55.45 67.78 87 73 5.04 6.32 7.68 9.14 10.75 12.46 14.31 16.34 18.53 20.84 25.82 31.96 39.74 49.52 61.93 76.51 88 74 5.42 6.79 8.24 9.81 11.52 13.34 15.33 17.50 19.84 22.30 27.82 34.63 43.27 54.17 68.45 84.88 89 75 5.71 7.1_ 8.69 10.33 12.12 14.04 16.12 18.39 20.86 23.44 29.43 36.84 46.26 58.50 74.22 92.40 90 96.60 91 100.88 92 106.65 93 ___.41 94
PREFERRED SMOKER - MALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 3.25 0.73 0.46 0.35 0.28 0.25 0.21 0.20 0.18 0.16 0.18 0.21 0.25 0.35 0.47 0.65 15 1 0.78 0.48 0.37 0.30 0.26 0.23 0.21 0.19 0.17 0.17 0.19 0.23 0.32 0.43 0.60 0.78 16 2 0.51 0.39 0.31 0.28 0.24 0.22 0.20 0.18 0.18 0.18 0.22 0.30 0.40 0.56 0.73 0.91 17 3 0.41 0.33 0.29 0.25 0.23 0.21 0.19 0.19 0.19 0.20 0.28 0.38 0.53 0.68 0.85 1.02 18 4 0.35 0.31 0.27 0.24 0.22 0.20 0.19 0.20 0.21 0.27 0.36 0.50 0.64 0.80 0.96 1.10 19 5 0.33 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.35 0.48 0.61 0.76 0.91 1.04 1.12 20 6 0.30 0.27 0.24 0.22 0.21 0.21 0.23 0.29 0.36 0.46 0.59 0.73 0.87 0.99 1.06 0.94 21 7 0.28 0.25 0.23 0.22 0.22 0.24 0.30 0.37 0.48 0.58 0.71 0.84 0.95 1.02 0.95 0.92 22 8 0.26 0.24 0.23 0.23 0.25 0.31 0.39 0.50 0.60 0.70 0.82 0.93 0.99 0.94 0.93 0.90 23 9 0.25 0.24 0.24 0.25 0.32 0.40 0.51 0.62 0.73 0.82 0.92 0.97 0.92 0.91 0.91 0.89 24 10 0.25 0.25 0.26 0.33 0.41 0.53 0.64 0.75 0.84 0.92 0.96 0.90 0.90 0.90 0.90 0.88 25 11 0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 0.89 0.88 0.88 0.89 0.88 0.87 26 12 0.27 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 0.87 0.87 0.87 0.87 0.87 0.88 0.84 27 13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 0.86 0.85 0.85 0.86 0.86 0.87 0.85 0.87 28 14 0.43 0.56 0.67 0.79 0.88 0.96 0.98 0.85 0.84 0.83 0.84 0.84 0.85 0.84 0.88 0.88 29 15 0.55 0.67 0.78 0.87 0.94 0.98 0.85 0.83 0.82 0.82 0.83 0.84 0.83 0.87 0.89 0.90 30 16 0.65 0.75 0.81 0.86 0.90 0.83 0.83 0.81 0.81 0.81 0.81 0.81 0.85 0.88 0.91 0.92 31 17 0.71 0.77 0.80 0.83 0.81 0.80 0.80 0.79 0.79 0.80 0.80 0.84 0.87 0.91 0.94 0.92 32 18 0.68 0.73 0.76 0.76 0.79 0.76 0.76 0.76 0.77 0.78 0.78 0.83 0.87 0.91 0.93 0.91 33 19 0.63 0.68 0.71 0.73 0.74 0.71 0.72 0.72 0.73 0.75 0.76 0.82 0.86 0.91 0.92 0.91 34 20 0.56 0.64 0.67 0.68 0.68 0.65 0.68 0.68 0.70 0.73 0.74 0.80 0.85 0.90 0.93 0.92 35 21 0.54 0.61 0.64 0.64 0.63 0.60 0.63 0.64 0.67 0.70 0.74 0.79 0.84 0.89 0.94 0.95 36 22 0.51 0.57 0.61 0.61 0.60 0.60 0.61 0.62 0.66 0.69 0.74 0.78 0.84 0.90 0.96 0.98 37 23 0.49 0.55 0.59 0.59 0.60 0.58 0.60 0.62 0.66 0.70 0.74 0.79 0.86 0.93 0.99 1.07 38 24 0.4_ 0.52 0.56 0.58 0.59 0.59 0.60 0.63 0.67 0.71 0.77 0.81 0.89 0.98 1.08 1.18 39 25 0.44 0.49 0.55 0.57 0.59 0.60 0.62 0.65 0.69 0.73 0.80 0.86 0.96 1.08 1.19 1.30 40 26 0.42 0.47 0.52 0.56 0.60 0.62 0.64 0.67 0.71 0.76 0.84 0.93 1.05 1.19 1.34 1.45 41 27 0.42 0.46 0.51 0.56 0.61 0.64 0.67 0.71 0.75 0.81 0.90 1.02 1.16 1.33 1.49 1.61 42 28 0.43 0.47 0.53 0.58 0.63 0.67 0.71 0.76 0.81 0.88 0.99 1.12 1.28 1.47 1.65 1.80 43 29 0.4_ 0.50 0.55 0.60 0.66 0.71 0.76 0.81 0.88 0.98 1.10 1.25 1.42 1.62 1.83 2.02 44 30 0.48 0.53 0.59 0.64 0.70 0.76 0.81 0.89 0.98 1.09 1.23 1.39 1.57 1.80 2.04 2.28 45 31 0.51 0.57 0.62 0.69 0.75 0.82 0.89 0.98 1.10 1.22 1.37 1.55 1.76 2.01 2.28 2.54 46 32 0.53 0.60 0.66 0.73 0.80 0.88 0.98 1.08 1.22 1.36 1.53 1.73 1.97 2.25 2.55 2.84 47 33 0.54 0.6_ 0.70 0.78 0.87 0.97 1.08 1.20 1.34 1.50 1.70 1.93 2.21 2.52 2.87 3.18 48 34 0.55 0.64 0.73 0.83 0.95 1.06 1.19 1.32 1.48 1.65 1.88 2.15 2.47 2.84 3.20 3.58 49 35 0.55 0.67 0.78 0.91 1.03 1.16 1.30 1.46 1.63 1.81 2.08 2.38 2.75 3.16 3.58 4.01 50 36 0.57 0.71 0.85 1.00 1.15 1.30 1.46 1.63 1.82 2.02 2.32 2.66 3.06 3.52 4.00 4.45 51 37 0.61 0.77 0.94 1.11 1.28 1.45 1.63 1.83 2.04 2.26 2.58 2.94 3.39 3.91 4.44 4.88 52 38 0.66 0.85 1.05 1.25 1.44 1.62 1.8_ 2.05 2.27 2.52 2.86 3.26 3.74 4.30 4.90 5.39 53 39 0.73 0.96 1.18 1.40 1.61 1.82 2.04 2.28 2.54 2.79 3.16 3.58 4.10 4.71 5.43 5.97 54 40 0.81 1.08 1.33 1.58 1.80 2.03 2.27 2.54 2.81 3.10 3.48 3.93 4.4_ 5.19 6.01 6.66 55 41 0.90 1.20 1.50 1.76 2.01 2.25 2.51 2.79 3.10 3.41 3.84 4.33 4.97 5.77 6.72 7.55 56 42 0.98 1.33 1.66 1.96 2.22 2.48 2.76 3.07 3.40 3.74 4.22 4.81 5.53 6.42 7.50 8.55 57 43 1.07 1.46 1.__ 2.14 2.44 2.72 3.02 3.34 3.69 4.08 4.66 5.34 6.16 7.15 8.37 9.56 58 44 1.16 1.59 1.98 2.34 2.65 2.96 3.27 3.61 3.97 4.45 5.13 5.92 6.86 7.98 9.27 10.59 59 45 1.26 1.7_ 2.15 2.55 2.89 3.22 3.55 3.90 4.29 4.85 5.64 6.56 7.63 8.84 10.23 11.66 60 46 1.35 1.85 2.33 2.77 3.15 3.50 3.85 4.24 4.67 5.28 6.17 7.21 8.38 9.67 11.18 12.68 61 47 1.45 2.01 2.53 3.02 3.46 3.83 4.21 4.64 5.15 5.78 6.76 7.88 9.14 10.58 12.23 13.81 62 48 1.54 2.18 2.76 3.30 3.81 4.24 4.66 5.13 5.71 6.35 7.37 8.55 9.95 11.55 13.39 15.11 63 49 1.65 2.34 3.01 3.62 4.20 4.70 5.18 5.69 6.31 6.95 8.00 9.27 10.81 12.60 14.65 16.56 64 50 1.75 2.56 3.28 3.96 4.61 5.18 5.73 6.30 6.91 7.56 8.66 10.04 11.73 13.71 15.98 18.10 65 51 1.85 2.77 3.57 4.31 5.01 5.66 6.28 6.88 7.49 8.18 9.38 10.90 12.77 15.00 17.57 19.98 66 52 1.97 2.99 3.87 4.67 5.42 6.12 6.77 7.40 8.05 8.81 10.13 11.80 13.88 16.35 19.22 21.94 67 53 2.09 3.21 4.17 5.01 5.80 6.52 7.18 7.86 8.59 9.42 10.90 12.75 15.03 17.74 20.94 24.15 68 54 2.22 3.44 4.46 5.35 6.16 6.86 7.55 8.29 9.11 10.03 11.68 13.74 16.23 19.19 22.84 26.36 69 55 2.36 3.6_ 4.78 5.70 6.51 7.21 7.92 8.70 9.64 10.65 12.48 14.77 17.49 20.84 24.89 28.70 70 56 2.53 3.96 5.13 6.08 6.89 7.60 8.34 9.16 10.16 11.30 13.30 15.79 18.82 22.45 26.86 31.09 71 57 2.73 4.28 5.53 6.51 7.33 8.06 8.84 9.70 10.71 11.98 14.17 16.95 20.26 24.21 28.99 33.78 72 58 2.97 4.65 6.00 7.04 7.88 8.66 9.47 10.33 11.33 12.72 15.15 18.17 21.79 26.11 31.36 36.29 73 59 3.25 5.09 6.56 7.66 8.55 9.38 10.20 11.06 12.07 13.59 16.20 19.46 23.41 28.17 33.67 39.00 74 60 3.55 5.58 7.16 8.34 9.32 10.17 11.01 11.87 12.96 14.53 17.32 20.81 25.14 30.18 36.16 42.12 75 61 3.92 6.09 7.79 9.07 10.12 11.00 11.86 12.77 13.92 15.55 18.52 22.29 26.83 32.34 38.97 45.51 76 62 4.32 6.60 8.41 9.81 10.90 11.83 12.75 13.72 14.95 16.66 19.84 23.75 28.66 34.77 41.95 49.15 77 63 4.76 7.19 9.09 10.56 11.66 12.63 13.60 14.65 15.98 17.81 21.10 25.29 30.73 37.35 45.10 53.05 78 64 5.25 7.87 9.84 11.31 12.43 13.43 14.45 15.57 17.03 18.92 22.43 27.04 32.92 40.06 48.40 57.08 79 65 5.78 8.56 10.61 12.06 13.22 14.27 15.34 16.60 18.15 20.18 24.02 28.98 35.28 42.95 51.86 61.12 80 66 6.33 9.21 11.32 12.80 14.05 15.18 16.39 17.75 19.50 21.78 25.95 31.32 38.12 46.39 56.05 65.80 81 67 6.93 9.75 11.89 13.51 14.92 16.24 17.59 19.19 21.27 23.75 28.26 34.01 41.28 50.10 60.49 70.78 82 68 7.56 10.21 12.36 14.17 15.85 17.42 19.08 21.10 23.47 26.17 31.02 37.13 44.79 54.10 65.16 75.98 83 69 8.23 10.63 12.79 14.82 16.80 18.77 20.95 23.38 26.09 29.01 34.22 40.64 48.61 58.32 70.04 81.79 84 70 8.92 11.01 13.17 15.41 17.79 20.35 23.07 25.99 29.06 32.21 37.80 44.48 52.71 62.76 75.09 8_.07 85 71 9.5_ 11.81 14.11 16.49 19.11 21.84 24.74 27.85 31.12 34.48 40.43 47.53 56.28 66.94 __.0_ 93.75 86 72 10.26 12.64 15.09 17.71 20.51 23.42 26.52 29.83 33.33 36.88 43.21 50.76 60.04 71.35 85.__ 99.72 87 73 10.9_ 13.51 16.19 18.99 21.97 25.07 28.36 31.89 35.60 39.36 46.07 54.07 63.90 75.84 __.__ 107.55 88 74 11.53 14.26 17.07 20.01 23.13 26.38 29.83 33.52 37.38 41.29 48.29 56.62 66.85 79.26 __.__ 116.00 89 75 11.96 14.77 17.67 20.69 23.91 27.26 30.80 34.57 38.52 42.51 49.66 58.17 68.60 82.71 101.__ 122.88 90 128.64 91 134.52 92 ___.__ 93 ___.__ 94
PREFFERRED SMOKER - FEMALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 1 0.53 0.33 0.25 0.20 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 16 2 0.34 0.26 0.21 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 0.35 17 3 0.26 0.21 0.19 0.16 0.15 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.25 0.30 0.35 0.40 18 4 0.21 0.19 0.16 0.15 0.13 0.12 0.12 0.11 0.12 0.15 0.19 0.25 0.30 0.36 0.40 0.43 19 5 0.19 0.17 0.15 0.13 0.12 0.12 0.12 0.12 0.16 0.19 0.25 0.30 0.36 0.40 0.43 0.44 20 6 0.17 0.15 0.14 0.12 0.12 0.12 0.12 0.16 0.20 0.25 0.31 0.36 0.40 0.44 0.44 0.66 21 7 0.16 0.14 0.12 0.12 0.12 0.13 0.16 0.20 0.25 0.31 0.36 0.41 0.44 0.45 0.66 0.64 22 8 0.14 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.36 0.41 0.44 0.45 0.65 0.65 0.63 23 9 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.64 0.64 0.63 0.62 24 10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.63 0.62 0.62 0.62 0.60 25 11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.61 0.61 0.61 0.61 0.60 0.59 26 12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.59 0.59 0.59 0.60 0.60 0.59 0.57 27 13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.59 0.58 0.58 0.59 0.58 0.59 0.57 0.59 28 14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.58 0.57 0.57 0.57 0.57 0.58 0.57 0.59 0.60 29 15 0.26 0.32 0.37 0.41 0.44 0.46 0.58 0.57 0.56 0.55 0.56 0.56 0.56 0.59 0.61 0.62 30 16 0.33 0.38 0.40 0.43 0.45 0.57 0.57 0.56 0.55 0.55 0.55 0.55 0.58 0.60 0.62 0.63 31 17 0.38 0.41 0.42 0.44 0.56 0.55 0.54 0.54 0.54 0.53 0.53 0.57 0.59 0.62 0.64 0.64 32 18 0.39 0.41 0.43 0.53 0.54 0.52 0.52 0.52 0.52 0.52 0.52 0.56 0.59 0.62 0.64 0.63 33 19 0.38 0.41 0.49 0.50 0.50 0.49 0.49 0.49 0.49 0.50 0.51 0.55 0.59 0.63 0.64 0.64 34 20 0.36 0.45 0.47 0.47 0.47 0.45 0.46 0.46 0.47 0.49 0.50 0.55 0.58 0.62 0.65 0.65 35 21 0.38 0.42 0.44 0.44 0.43 0.41 0.42 0.43 0.45 0.47 0.50 0.54 0.5_ 0.62 0.66 0.67 36 22 0.37 0.41 0.44 0.44 0.43 0.42 0.43 0.43 0.46 0.49 0.52 0.55 0.59 0.64 0.69 0.72 37 23 0.36 0.41 0.44 0.44 0.43 0.43 0.44 0.45 0.48 0.51 0.54 0.58 0.63 0.68 0.73 0.79 38 24 0.35 0.40 0.43 0.44 0.45 0.44 0.46 0.48 0.50 0.54 0.58 0.62 0.68 0.74 0.82 0.88 39 25 0.35 0.39 0.43 0.45 0.46 0.47 0.48 0.51 0.54 0.58 0.63 0.68 0.75 0.84 0.92 0.99 40 26 0.34 0.39 0.43 0.45 0.48 0.50 0.52 0.54 0.58 0.62 0.68 0.74 0.83 0.93 1.03 1.10 41 27 0.35 0.39 0.43 0.47 0.51 0.53 0.56 0.59 0.63 0.68 0.75 0.83 0.94 1.05 1.16 1.22 42 28 0.37 0.41 0.46 0.50 0.54 0.58 0.61 0.65 0.70 0.76 0.84 0.94 1.05 1.17 1.28 1.37 43 29 0.40 0.44 0.49 0.54 0.59 0.63 0.67 0.73 0.79 0.8_ 0.97 1.06 1.18 1.30 1.43 1.53 44 30 0.44 0.49 0.54 0.59 0.64 0.70 0.75 0.82 0.90 1.01 1.10 1.21 1.32 1.46 1.60 1.71 45 31 0.47 0.52 0.57 0.63 0.69 0.75 0.82 0.90 1.01 1.12 1.23 1.34 1.47 1.63 1.78 1.91 46 32 0.49 0.55 0.61 0.67 0.74 0.81 0.90 1.00 1.12 1.24 1.36 1.49 1.64 1.81 1.98 2.13 47 33 0.50 0.57 0.64 0.72 0.80 0.89 1.00 1.10 1.23 1.37 1.50 1.66 1.83 2.03 2.22 2.38 48 34 0.50 0.59 0.68 0.77 0.87 0.98 1.09 1.22 1.35 1.50 1.66 1.84 2.04 2.27 2.48 2.67 49 35 0.51 0.62 0.72 0.84 0.95 1.07 1.20 1.33 1.48 1.65 1.83 2.03 2.27 2.52 2.76 3.00 50 36 0.51 0.64 0.76 0.89 1.0_ 1.16 1.30 1.44 1.60 1.77 1.97 2.19 2.45 2.74 3.__ 3.27 51 37 0.53 0.67 0.8_ 0.97 1.11 1.25 1.40 1.56 1.73 1.91 2.13 2.36 2.65 2.97 3.29 3.52 52 38 0.56 0.72 0.8_ 1.05 1.20 1.35 1.51 1.69 1.86 2.06 2.27 2.53 2.84 3.19 3.55 3.82 53 39 0.60 0.79 0.96 1.13 1.30 1.46 1.63 1.81 2.01 2.20 2.43 2.70 3.03 3.41 3.86 4.15 54 40 0.64 0.85 1.04 1.23 1.40 1.57 1.74 1.94 2.14 2.35 2.60 2.8_ 3.23 3.67 4.1_ 4.55 55 41 0.69 0.93 1.15 1.35 1.53 1.70 1.89 2.09 2.31 2.54 2.80 3.10 3.49 3.97 4.54 5.00 56 42 0.75 1.01 1.25 1.46 1.65 1.84 2.04 2.25 2.49 2.74 3.02 3.37 3.79 4.30 4.92 5.49 57 43 0.80 1.08 1.34 1.57 1.78 1.97 2.18 2.41 2.65 2.93 3.26 3.66 4.11 4.67 5.34 5.95 58 44 0.84 1.15 1.43 1.68 1.89 2.10 2.32 2.55 2.80 3.14 3.52 3.96 4.47 5.07 5.74 6.37 59 45 0.89 1.22 1.52 1.79 2.01 2.24 2.47 2.70 2.97 3.36 3.80 4.29 4.86 5.47 6.14 6.78 60 46 0.94 1.28 1.60 1.90 2.16 2.39 2.62 2.89 3.18 3.59 4.10 4.67 5.29 5.94 6.68 7.37 61 47 0.98 1.36 1.71 2.03 2.32 2.56 2.8_ 3.10 3.44 3.86 4.42 5.04 5.71 6.45 7.28 8.02 62 48 1.02 1.44 1.82 2.18 2.50 2.78 3.06 3.36 3.74 4.16 4.74 5.39 6.15 6.99 7.94 8.77 63 49 1.07 1.53 1.95 2.33 2.70 3.02 3.33 3.66 4.06 4.47 5.06 5.76 6.61 7.57 8.65 9.61 64 50 1.11 1.62 2.08 2.50 2.91 3.27 3.61 3.97 4.36 4.76 5.37 6.15 7.09 8.17 9.40 10.50 65 51 1.18 1.76 2.26 2.73 3.17 3.5_ 3.97 4.35 4.73 5.14 5.81 6.65 7.66 8.86 10.22 11.45 66 52 1.25 1.90 2.46 2.96 3.43 3.88 4.29 4.68 5.08 5.54 6.26 7.16 8.27 9.58 11.07 12.41 67 53 1.33 2.04 2.65 3.18 3.69 4._4 4.56 4.97 5.42 5.93 6.71 7.70 8.90 10.31 11.93 13.40 68 54 1.42 2.1_ 2._4 3.41 3.93 4.36 4.78 5.24 5.75 6.31 7.1_ 8.26 9.55 11.05 12.79 14.34 69 55 1.51 2.35 3.06 3.64 4.15 4.58 5.02 5.50 6.07 6.69 7.66 8.84 10.22 11.82 13.70 15.29 70 56 1.62 2.53 3.29 3.88 4.39 4.83 5.29 5.79 6.40 7.10 8.16 9.45 10.94 12.65 14.66 16.42 71 57 1.75 2.75 3.54 4.16 4.67 5.13 5.60 6.13 6.75 7.53 8.69 10.09 11.70 13.53 15.69 17.66 72 58 1.91 2.99 3.84 4.50 5.02 5.50 5.99 6.53 7.14 7.99 9.24 10.75 12.49 14.48 16.80 19.06 73 59 2.09 3.27 4.20 4.89 5.44 5.95 6.46 6.99 7.60 8.50 9.83 11.43 13.32 15.48 18.12 20.56 74 60 2.29 3.58 4.59 5.32 5.93 6.46 6.97 7.49 8.13 9.04 10.44 12.15 14.18 16.65 19.52 22.30 75 61 2.52 3.91 4.99 5.78 6.44 6.98 7.50 8.04 8.70 9.62 11.14 13.00 15.35 18.15 21.51 24.73 76 62 2.78 4.24 5.38 6.26 6.94 7.50 8.05 8.60 9.29 10.25 11.88 13.99 16.61 19.86 23.67 27.39 77 63 3.06 4.61 5.82 6.74 7.42 8.00 8.56 9.14 9.87 10.88 12.71 15.03 18.05 21.72 25.98 30.09 78 64 3.37 5.05 6.30 7.21 7.89 8.48 9.05 9.66 10.46 11.57 13.57 16.22 19.60 23.69 28.26 32.93 79 65 3.71 5.49 6.79 7.68 8.37 8.97 9.57 10.24 11.16 12.35 14.62 17.55 21.28 25.66 30.70 35.84 80 66 4.07 5.91 7.23 8.14 8.87 9.51 10.16 10.96 11.98 13.35 15.90 19.19 23.24 28.15 33.84 39.49 81 67 4.46 6.25 7.59 8.56 9.39 10.12 10.91 11.85 13.08 14.57 17.42 20.97 25.43 30.85 37.19 43.44 82 68 4.86 6.54 7.87 8.96 9.93 10.85 11.83 13.02 14.45 16.07 19.15 23.02 27.83 33.76 40.77 47.63 83 69 5.29 6.80 8.12 9.33 10.52 11.68 12.98 14.44 16.06 17.75 21.15 25.34 30.54 36.89 44.56 52.32 84 70 5.72 7.02 8.34 9.69 11.11 12.65 14.29 16.04 17.83 19.63 23.39 27.88 33.42 40.21 48.56 57.42 85 71 6.13 7.51 8.91 10.34 11.92 13.56 15.31 17.13 19.02 20.93 25.09 30.07 36.23 43.76 53.05 62.97 86 72 6.56 8.02 9.50 11.09 12.78 14.53 16.35 18.28 20.29 22.30 26.90 32.42 39.22 47.58 57.89 68.93 87 73 6.99 8.54 10.17 11.86 13.66 15.50 17.42 19.46 21.58 23.71 28.77 34.85 42.36 51.58 62.98 76.51 88 74 7.32 8.99 10.70 12.47 14.34 16.25 18.25 20.37 22.57 24.79 30.25 36.83 44.97 54.97 68.45 84.88 89 75 7.56 9.28 11.04 12.86 14.76 16.72 18.76 20.93 23.18 25.42 31.21 38.20 46.83 58.50 74.22 92.40 90 96.60 91 100.88 92 106.65 93 1_5.41 94
NON-SMOKER - MALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 3.25 0.73 0.46 0.35 0.28 0.25 0.21 0.20 0.18 0.16 0.18 0.21 0.25 0.35 0.47 0.65 15 1 0.78 0.48 0.37 0.30 0.26 0.23 0.21 0.19 0.17 0.17 0.19 0.23 0.32 0.43 0.60 0.78 16 2 0.51 0.39 0.31 0.28 0.24 0.22 0.20 0.18 0.18 0.18 0.22 0.30 0.40 0.56 0.73 0.91 17 3 0.41 0.33 0.29 0.25 0.23 0.21 0.19 0.19 0.19 0.20 0.28 0.38 0.53 0.68 0.85 1.02 18 4 0.35 0.31 0.27 0.24 0.22 0.20 0.19 0.20 0.21 0.27 0.36 0.50 0.64 0.80 0.96 1.10 19 5 0.33 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.35 0.48 0.61 0.76 0.91 1.04 1.12 20 6 0.30 0.27 0.24 0.22 0.21 0.21 0.23 0.29 0.36 0.46 0.59 0.73 0.87 0.99 1.06 0.57 21 7 0.28 0.25 0.23 0.22 0.22 0.24 0.30 0.37 0.48 0.58 0.71 0.84 0.95 1.02 0.59 0.56 22 8 0.26 0.24 0.23 0.23 0.25 0.31 0.39 0.50 0.60 0.70 0.82 0.93 0.99 0.60 0.57 0.55 23 9 0.25 0.24 0.24 0.25 0.32 0.40 0.51 0.62 0.73 0.82 0.92 0.97 0.61 0.58 0.56 0.54 24 10 0.25 0.25 0.26 0.33 0.41 0.53 0.64 0.75 0.84 0.92 0.96 0.63 0.60 0.57 0.56 0.53 25 11 0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 0.65 0.62 0.59 0.57 0.55 0.53 26 12 0.27 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 0.67 0.64 0.61 0.58 0.56 0.54 0.51 27 13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 0.70 0.66 0.63 0.60 0.57 0.55 0.53 0.53 28 14 0.43 0.56 0.67 0.79 0.88 0.96 0.98 0.71 0.68 0.65 0.62 0.59 0.57 0.54 0.54 0.54 29 15 0.55 0.67 0.78 0.87 0.94 0.98 0.73 0.69 0.67 0.64 0.61 0.59 0.55 0.55 0.55 0.55 30 16 0.65 0.75 0.81 0.86 0.90 0.73 0.71 0.68 0.66 0.63 0.60 0.57 0.57 0.56 0.57 0.56 31 17 0.71 0.77 0.80 0.83 0.72 0.70 0.69 0.66 0.64 0.62 0.59 0.59 0.58 0.58 0.58 0.56 32 18 0.68 0.73 0.76 0.70 0.70 0.67 0.66 0.64 0.63 0.61 0.57 0.58 0.58 0.58 0.58 0.55 33 19 0.63 0.68 0.66 0.66 0.66 0.63 0.62 0.60 0.60 0.58 0.55 0.57 0.58 0.58 0.57 0.55 34 20 0.56 0.60 0.63 0.62 0.61 0.58 0.58 0.56 0.57 0.56 0.54 0.56 0.57 0.57 0.58 0.56 35 21 0.52 0.57 0.59 0.58 0.57 0.53 0.54 0.53 0.54 0.55 0.54 0.56 0.56 0.57 0.58 0.58 36 22 0.48 0.53 0.56 0.55 0.53 0.51 0.51 0.50 0.51 0.52 0.53 0.53 0.55 0.57 0.58 0.59 37 23 0.45 0.50 0.53 0.52 0.51 0.49 0.49 0.48 0.49 0.51 0.52 0.53 0.56 0.58 0.60 0.64 38 24 0.42 0.46 0.49 0.50 0.49 0.48 0.47 0.47 0.49 0.51 0.53 0.54 0.57 0.60 0.64 0.69 39 25 0.39 0.43 0.47 0.47 0.48 0.46 0.47 0.48 0.49 0.51 0.54 0.56 0.60 0.66 0.70 0.75 40 26 0.37 0.41 0.44 0.45 0.46 0.46 0.47 0.48 0.50 0.53 0.56 0.60 0.65 0.72 0.77 0.83 41 27 0.36 0.39 0.42 0.44 0.46 0.47 0.48 0.50 0.53 0.56 0.59 0.65 0.71 0.79 0.85 0.91 42 28 0.36 0.38 0.41 0.44 0.46 0.48 0.50 0.53 0.55 0.60 0.65 0.71 0.78 0.86 0.94 1.02 43 29 0.36 0.38 0.41 0.44 0.47 0.50 0.53 0.56 0.60 0.66 0.71 0.77 0.85 0.94 1.03 1.13 44 30 0.37 0.40 0.43 0.46 0.49 0.53 0.56 0.60 0.66 0.72 0.78 0.85 0.93 1.04 1.14 1.26 45 31 0.38 0.42 0.45 0.48 0.52 0.56 0.60 0.65 0.72 0.79 0.86 0.94 1.04 1.14 1.26 1.41 46 32 0.39 0.43 0.47 0.51 0.55 0.60 0.65 0.72 0.79 0.87 0.95 1.04 1.15 1.28 1.42 1.59 47 33 0.39 0.44 0.49 0.53 0.59 0.65 0.71 0.78 0.86 0.96 1.05 1.15 1.28 1.44 1.60 1.79 48 34 0.3_ 0.45 0.50 0.56 0.63 0.70 0.77 0.85 0.94 1.05 1.15 1.28 1.44 1.62 1.80 2.02 49 35 0.39 0.46 0.53 0.61 0.68 0.76 0.84 0.93 1.03 1.14 1.27 1.42 1.61 1.81 2.02 2.28 50 36 0.39 0.48 0.57 0.66 0.75 0.83 0.93 1.03 1.14 1.26 1.42 1.59 1.80 2.03 2.27 2.54 51 37 0.41 0.52 0.62 0.72 0.83 0.93 1.03 1.15 1.27 1.41 1.58 1.77 2.00 2.27 2.54 2.83 52 38 0.44 0.56 0.69 0.80 0.92 1.03 1.14 1.28 1.42 1.58 1.76 1.97 2.22 2.51 2.84 3.16 53 39 0.48 0.63 0.76 0.89 1.02 1.14 1.27 1.43 1.60 1.76 1.95 2.18 2.45 2.79 3.18 3.54 54 40 0.53 0.70 0.85 1.00 1.13 1.26 1.42 1.60 1.77 1.96 2.17 2.41 2.72 3.11 3.57 4.02 55 41 0.58 0.77 0.95 1.11 1.25 1.41 1.5_ 1.76 1.97 2.18 2.41 2.69 3.05 3.50 4.06 4.64 56 42 0.63 0.85 1.04 1.22 1.39 1.56 1.74 1.95 2.17 2.41 2.68 3.02 3.43 3.96 4.61 5.35 57 43 0.68 0.92 1.14 1.34 1.53 1.72 1.91 2.13 2.37 2.66 2.99 3.40 3.89 4.50 5.24 6.09 58 44 0.73 0.99 1.24 1.47 1.67 1.88 2.09 2.32 2.59 2.93 3.34 3.83 4.41 5.11 5.90 6.91 59 45 0.78 1.08 1.35 1.61 1.83 2.05 2.28 2.54 2.83 3.24 3.74 4.32 5.00 5.76 6.68 7.79 60 46 0.85 1.17 1.47 1.76 2.01 2.25 2.51 2.80 3.12 3.59 4.17 4.84 5.59 6.45 7.46 8.64 61 47 0.91 1.27 1.61 1.93 2.22 2.50 2.78 3.10 3.50 4.00 4.65 5.37 6.2_ 7.22 8.33 9.60 62 48 0.97 1.38 1.76 2.12 2.48 2.79 3.11 3.48 3.95 4.47 5.15 5.98 6.95 8.04 9.30 10.71 63 49 1.04 1.51 1.94 2.36 2.77 3.14 3.52 3.94 4.45 4.98 5.73 6.63 7.71 8.95 10.38 11.98 64 50 1.12 1.65 2.14 2.61 3.08 3.52 3.96 4.43 4.95 5.55 6.34 7.32 8.53 9.93 11.57 13.37 65 51 1.19 1.81 2.36 2.80 3.41 3.92 4.42 4.93 5.50 6.14 7.01 8.11 9.47 11.10 12.98 15.08 66 52 1.28 1.97 2.59 3.17 3.75 4.31 4.85 5.43 6.04 6.75 7.73 8.96 10.51 12.36 14.51 16.92 67 53 1.38 2.15 2.83 3.46 4.09 4.67 5.27 5.90 6.58 7.36 8.48 9.89 11.62 13.70 16.15 19.06 68 54 1.48 2.34 3.09 3.76 4.41 5.03 5.67 6.35 7.12 8.00 9.27 10.88 12.82 15.14 18.03 21.29 69 55 1.60 2.55 3.37 4.08 4.78 5.41 6.07 6.80 7.68 8.67 10.12 11.94 14.12 16.82 20.10 23.73 70 56 1.75 2.79 3.68 4.46 5.17 5.82 6.52 7.31 8.28 9.39 11.02 13.05 15.55 18.54 22.20 26.33 71 57 1.92 3.06 4.06 4.89 5.61 6.30 7.05 7.90 8.90 10.17 12.00 14.33 17.12 20.47 24.56 29.32 72 58 2.13 3.41 4.51 5.40 6.16 6.91 7.71 8.59 9.62 11.04 13.13 15.72 18.85 22.61 27.22 32.31 73 59 2.38 3.82 5.02 5.99 6.82 7.63 8.48 9.39 10.48 12.06 14.36 17.24 20.75 25.01 29.98 35.63 74 60 2.67 4.27 5.60 6.65 7.59 8.45 9.35 10.30 11.50 13.20 15.72 18.89 22.84 27.48 33.04 39.26 75 61 3.00 4.76 6.21 7.38 8.41 9.34 10.29 11.34 12.65 14.46 17.22 20.73 25.00 30.22 36.32 43.29 76 62 3.38 5.27 6.85 8.15 9.26 10.26 11.32 12.47 13.91 15.87 18.90 22.65 27.41 33.15 39.91 47.73 77 63 3.80 5.85 7.56 8.97 10.12 11.22 12.36 13.63 15.22 17.39 20.62 24.76 29.97 36.33 43.81 52.62 78 64 4.27 6.54 8.36 9.82 11.03 12.20 13.44 14.83 16.64 18.94 22.49 27.01 32.77 39.79 48.02 57.88 79 65 4.80 7.27 9.21 10.71 12.01 13.27 14.62 16.21 18.18 20.74 24.58 29.53 35.86 43.58 52.58 63.35 80 66 5.38 8.00 10.05 11.63 13.06 14.47 16.00 17.78 20.04 22.84 27.09 32.59 39.58 48.10 58.10 69.76 81 67 6.02 8.66 10.80 12.56 14.21 15.86 17.62 19.73 22.30 25.42 30.12 36.16 43.79 53.11 64.14 76.80 82 68 6.71 9.27 11.50 13.50 15.43 17.45 19.62 22.13 25.12 28.59 33.78 40.33 48.58 58.66 70.71 84.41 83 69 7.47 9.89 12.18 14.48 16.83 19.30 21.97 25.03 28.51 32.37 38.07 45.13 53.94 64.72 77.81 93.12 84 70 8.30 10.49 12.86 15.44 18.29 21.34 24.69 28.40 32.44 36.73 43.00 50.53 59.86 71.31 85.49 102.79 85 71 9.11 11.53 14.13 16.95 20.03 23.37 27.04 31.09 35.50 40.20 47.05 55.26 65.44 77.94 93.39 112.25 86 72 10.02 12.66 15.51 18.57 21.95 25.60 29.60 34.02 38.86 43.99 51.46 60.43 71.53 85.16 102.01 122.57 87 73 10.99 13.89 16.98 20.32 24.00 27.98 32.35 37.19 42.46 48.05 56.18 65.96 78.04 92.88 111.21 134.42 88 74 11.85 14.95 18.27 21.86 25.82 30.09 34.79 39.98 45.63 51.62 60.34 70.80 83.75 99.64 119.96 145.00 89 75 12.54 15.80 19.31 23.10 27.27 31.78 36.73 42.20 48.14 54.44 63.62 74.62 88.23 105.49 _27.02 153.5_ 90 1_0.80 91 168.13 92 17_.85 93 192.55 94
NON-SMOKER - FEMALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 1 0.53 0.33 0.25 0.20 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 16 2 0.34 0.26 0.21 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 0.35 17 3 0.26 0.21 0.19 0.16 0.15 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.25 0.30 0.35 0.40 18 4 0.21 0.19 0.16 0.15 0.13 0.12 0.12 0.11 0.12 0.15 0.19 0.25 0.30 0.36 0.40 0.43 19 5 0.19 0.17 0.15 0.13 0.12 0.12 0.12 0.12 0.16 0.19 0.25 0.30 0.36 0.40 0.43 0.44 20 6 0.17 0.15 0.14 0.12 0.12 0.12 0.12 0.16 0.20 0.25 0.31 0.36 0.40 0.44 0.44 0.40 21 7 0.16 0.14 0.12 0.12 0.12 0.13 0.16 0.20 0.25 0.31 0.36 0.41 0.44 0.45 0.41 0.39 22 8 0.14 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.36 0.41 0.44 0.45 0.42 0.40 0.38 23 9 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.43 0.41 0.39 0.38 24 10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.44 0.42 0.40 0.38 0.37 25 11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.45 0.43 0.41 0.39 0.37 0.36 26 12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.46 0.44 0.42 0.40 0.38 0.37 0.35 27 13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.48 0.45 0.43 0.41 0.39 0.37 0.35 0.36 28 14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.49 0.46 0.44 0.42 0.40 0.38 0.36 0.37 0.37 29 15 0.26 0.32 0.37 0.41 0.44 0.46 0.50 0.48 0.45 0.43 0.41 0.39 0.37 0.37 0.37 0.38 30 16 0.33 0.38 0.40 0.43 0.45 0.50 0.49 0.47 0.44 0.43 0.40 0.38 0.38 0.38 0.39 0.39 31 17 0.38 0.41 0.42 0.44 0.50 0.48 0.47 0.45 0.43 0.42 0.39 0.39 0.39 0.39 0.40 0.39 32 18 0.39 0.41 0.43 0.48 0.48 0.46 0.44 0.43 0.42 0.41 0.39 0.39 0.40 0.40 0.40 0.38 33 19 0.38 0.41 0.45 0.46 0.45 0.43 0.42 0.41 0.40 0.39 0.37 0.39 0.39 0.40 0.40 0.39 34 20 0.36 0.42 0.43 0.43 0.42 0.39 0.39 0.38 0.38 0.38 0.37 0.38 0.39 0.40 0.40 0.40 35 21 0.36 0.40 0.41 0.40 0.39 0.36 0.36 0.36 0.36 0.37 0.37 0.38 0.39 0.40 0.41 0.41 36 22 0.34 0.38 0.40 0.39 0.38 0.36 0.36 0.35 0.36 0.37 0.37 0.38 0.39 0.41 0.42 0.43 37 23 0.34 0.37 0.39 0.38 0.37 0.36 0.35 0.35 0.36 0.37 0.38 0.39 0.41 0.43 0.44 0.47 38 24 0.32 0.36 0.38 0.38 0.37 0.36 0.36 0.36 0.37 0.38 0.40 0.41 0.43 0.46 0.48 0.52 39 25 0.31 0.34 0.37 0.37 0.38 0.37 0.37 0.37 0.39 0.41 0.42 0.44 0.47 0.51 0.54 0.57 40 26 0.30 0.33 0.36 0.37 0.38 0.38 0.38 0.39 0.41 0.43 0.45 0.48 0.52 0.56 0.60 0.63 41 27 0.30 0.33 0.35 0.37 0.38 0.39 0.40 0.42 0.44 0.47 0.49 0.53 0.57 0.62 0.66 0.69 42 28 0.31 0.33 0.36 0.38 0.40 0.41 0.43 0.45 0.48 0.52 0.55 0.59 0.63 0.69 0.73 0.77 43 29 0.33 0.35 0.37 0.39 0.42 0.44 0.47 0.50 0.53 0.59 0.62 0.66 0.71 0.76 0.80 0.85 44 30 0.34 0.37 0.40 0.42 0.45 0.48 0.51 0.55 0.60 0.66 0.70 0.74 0.78 0.84 0.89 0.95 45 31 0.35 0.38 0.41 0.44 0.48 0.52 0.55 0.60 0.66 0.73 0.77 0.81 0.87 0.93 0.99 1.06 46 32 0.36 0.40 0.43 0.47 0.51 0.55 0.60 0.66 0.73 0.80 0.84 0.90 0.96 1.03 1.11 1.19 47 33 0.36 0.40 0.45 0.49 0.54 0.59 0.66 0.72 0.79 0.87 0.93 0.99 1.07 1.16 1.25 1.34 48 34 0.35 0.41 0.46 0.52 0.58 0.65 0.71 0.78 0.86 0.95 1.02 1.09 1.19 1.30 1.39 1.51 49 35 0.36 0.42 0.49 0.56 0.63 0.70 0.77 0.85 0.94 1.03 1.11 1.21 1.33 1.45 1.56 1.70 50 36 0.35 0.43 0.51 0.59 0.67 0.74 0.83 0.91 1.01 1.11 1.21 1.32 1.44 1.58 1.71 1.87 51 37 0.36 0.45 0.54 0.63 0.71 0.80 0.89 0.98 1.08 1.20 1.31 1.42 1.56 1.72 1.88 2.03 52 38 0.37 0.47 0.58 0.67 0.77 0.85 0.95 1.06 1.17 1.30 1.40 1.53 1.68 1.87 2.06 2.24 53 39 0.39 0.51 0.62 0.72 0.82 0.92 1.02 1.14 1.26 1.39 1.51 1.64 1.81 2.02 2.26 2.47 54 40 0.42 0.55 0.67 0.78 0.88 0.98 1.09 1.22 1.35 1.49 1.61 1.76 1.95 2.20 2.48 2.75 55 41 0.45 0.59 0.73 0.85 0.96 1.07 1.19 1.32 1.47 1.62 1.76 1.92 2.14 2.41 2.74 3.07 56 42 0.48 0.64 0.78 0.92 1.04 1.16 1.29 1.43 1.59 1.76 1.92 2.11 2.35 2.66 3.03 3.44 57 43 0.50 0.68 0.84 0.98 1.12 1.25 1.3_ 1.54 1.70 1.91 2.10 2.33 2.60 2.93 3.34 3.79 58 44 0.53 0.72 0.90 1.06 1.20 1.33 1.48 1.64 1.82 2.07 2.30 2.56 2.88 3.25 3.65 4.16 59 45 0.56 0.76 0.95 1.13 1.28 1.43 1.59 1.76 1.96 2.24 2.52 2.83 3.18 3.56 4.00 4.52 60 46 0.59 0.81 1.01 1.21 1.38 1.54 1.71 1.90 2.12 2.44 2.76 3.13 3.53 3.96 4.46 5.02 61 47 0.62 0.86 1.08 1.30 1.49 1.67 1.86 2.07 2.34 2.67 3.04 3.44 3.90 4.40 4.96 5.57 62 48 0.65 0.91 1.16 1.40 1.63 1.83 2.04 2.28 2.59 2.93 3.32 3.77 4.29 4.87 5.51 6.22 63 49 0.68 0.98 1.25 1.52 1.78 2.02 2.26 2.53 2.86 3.20 3.62 4.12 4.71 5.38 6.13 6.95 64 50 0.71 1.04 1.35 1.65 1.94 2.22 2.50 2.80 3.12 3.49 3.94 4.49 5.15 5.92 6.80 7.76 65 51 0.76 1.14 1.49 1.82 2.15 2.48 2.79 3.12 3.47 3.87 4.34 4.94 5.68 6.55 7.55 8.64 66 52 0.81 1.25 1.64 2.01 2.37 2.73 3.08 3.44 3.81 4.25 4.77 5.44 6.26 7.24 8.36 9.58 67 53 0.88 1.36 1.80 2.20 2.60 2.97 3.34 3.73 4.15 4.63 5.22 5.97 6.88 7.96 9.20 10.58 68 54 0.95 1.49 1.97 2.40 2.81 3.20 3.59 4.01 4.49 5.03 5.70 6.54 7.54 8.72 10.09 11.58 69 55 1.02 1.63 2.15 2.61 3.04 3.44 3.85 4.30 4.84 5.45 6.21 7.15 8.26 9.54 11.06 12.64 70 56 1.12 1.78 2.36 2.85 3.30 3.70 4.13 4.62 5.21 5.90 6.76 7.81 9.03 10.45 12.12 13.91 71 57 1.23 1.97 2.60 3.12 3.58 4.00 4.47 4.98 5.61 6.39 7.36 8.53 9.88 11.44 13.29 15.33 72 58 1.37 2.19 2.89 3.45 3.92 4.39 4.88 5.43 6.06 6.94 8.01 9.30 10.80 12.54 14.59 16.97 73 59 1.53 2.45 3.22 3.82 4.34 4.84 5.37 5.93 6.60 7.54 8.71 10.13 11.80 13.75 16.13 18.78 74 60 1.72 2.74 3.59 4.24 4.83 5.37 5.92 6.51 7.22 8.21 9.47 11.02 12.88 15.16 17.84 20.79 75 61 1.93 3.05 3.98 4.71 5.35 5.93 6.51 7.14 7.90 8.95 10.35 12.09 14.30 16.96 20.05 23.53 76 62 2.17 3.38 4.38 5.20 5.89 6.51 7.14 7.81 8.64 9.76 11.32 13.34 15.88 18.94 22.51 26.60 77 63 2.44 3.75 4.83 5.72 6.44 7.10 7.77 8.50 9.41 10.62 12.42 14.71 17.61 21.13 25.23 29.84 78 64 2.75 4.19 5.35 6.26 7.01 7.70 8.41 9.21 10.21 11.59 13.61 16.20 19.51 23.54 28.04 33.38 79 65 3.09 4.66 5.89 6.82 7.61 8.35 9.11 10.00 11.17 12.70 14.95 17.89 21.63 26.03 31.12 37.15 80 66 3.46 5.13 6.42 7.39 8.25 9.06 9.92 10.98 12.32 14.00 16.60 19.97 24.13 29.18 35.07 41.87 81 67 3.87 5.55 6.89 7.96 8.94 9.88 10.93 12.18 13.72 15.60 18.57 22.29 26.98 32.70 39.43 47.14 82 68 4.32 5.94 7.32 8.54 9.70 10._7 12.16 13.66 15.46 17.56 20.86 25.01 30.24 36.61 44.23 52.92 83 69 4.80 6.32 7.74 9.11 10.53 12.01 13.61 15.45 17.55 19.81 23.54 28.14 33.89 40.93 49.52 59.56 84 70 5.32 6.69 8.14 9.71 11.42 13.27 15.29 17.53 19.90 22.39 26.61 31.67 37.95 45.69 55.28 67.02 85 71 5.84 7.33 8.92 10.63 12.50 14.51 16.73 19.12 21.69 24.41 29.19 34.96 42.12 50.95 61.92 75.39 86 72 6.40 8.04 9.77 11.63 13.67 15.88 18.25 20.84 23.66 26.60 32.03 38.59 46.73 56.79 69.32 84.72 87 73 7.00 8.78 10.67 12.70 14.93 17.30 19.87 22.70 25.74 28.94 35.09 42.50 51.74 63.17 77.41 95.63 88 74 7.53 9.43 11.45 13.63 16.00 18.53 21.29 24.30 27.56 30.98 37.79 46.05 56.34 69.09 85.55 10_.10 89 75 7.93 9.94 12.07 14.35 16.83 19.50 22.38 25.55 28.97 32.55 39.98 49.00 60.23 74.62 92.79 115.51 90 120.74 91 126.11 92 133.31 93 144.25 94
SMOKER - MALE - ADDITIONAL INSURED RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 3.25 0.73 0.46 0.35 0.28 0.25 0.21 0.20 0.18 0.16 0.18 0.21 0.25 0.35 0.47 0.65 15 1 0.78 0.48 0.37 0.30 0.26 0.23 0.21 0.19 0.17 0.17 0.19 0.23 0.32 0.43 0.60 0.78 16 2 0.51 0.39 0.31 0.28 0.24 0.22 0.20 0.18 0.18 0.18 0.22 0.30 0.40 0.56 0.73 0.91 17 3 0.41 0.33 0.29 0.25 0.23 0.21 0.19 0.19 0.19 0.20 0.28 0.38 0.53 0.68 0.85 1.02 18 4 0.35 0.31 0.27 0.24 0.22 0.20 0.19 0.20 0.21 0.27 0.36 0.50 0.64 0.80 0.96 1.10 19 5 0.33 0.28 0.26 0.23 0.21 0.20 0.20 0.22 0.28 0.35 0.48 0.61 0.76 0.91 1.04 1.12 20 6 0.30 0.27 0.24 0.22 0.21 0.21 0.23 0.29 0.36 0.46 0.59 0.73 0.87 0.99 1.06 1.15 21 7 0.28 0.25 0.23 0.22 0.22 0.24 0.30 0.37 0.48 0.58 0.71 0.84 0.95 1.02 1.16 1.12 22 8 0.26 0.24 0.23 0.23 0.25 0.31 0.39 0.50 0.60 0.70 0.82 0.93 0.99 1.19 1.13 1.10 23 9 0.25 0.24 0.24 0.25 0.32 0.40 0.51 0.62 0.73 0.82 0.92 0.97 1.22 1.16 1.11 1.09 24 10 0.25 0.25 0.26 0.33 0.41 0.53 0.64 0.75 0.84 0.92 0.96 1.25 1.19 1.14 1.10 1.07 25 11 0.25 0.27 0.34 0.42 0.54 0.65 0.76 0.85 0.93 0.95 1.28 1.22 1.17 1.13 1.08 1.06 26 12 0.27 0.34 0.42 0.54 0.66 0.77 0.86 0.94 0.96 1.31 1.25 1.20 1.16 1.11 1.07 1.03 27 13 0.35 0.43 0.55 0.66 0.78 0.87 0.95 0.97 1.29 1.27 1.23 1.19 1.14 1.10 1.04 1.06 28 14 0.43 0.56 0.67 0.79 0.88 0.96 0.98 1.28 1.26 1.25 1.22 1.16 1.13 1.07 1.07 1.08 29 15 0.55 0.67 0.78 0.87 0.94 0.98 1.28 1.24 1.23 1.23 1.19 1.15 1.09 1.10 1.09 1.10 30 16 0.65 0.75 0.81 0.86 0.90 1.24 1.24 1.22 1.21 1.22 1.17 1.12 1.13 1.12 1.12 1.13 31 17 0.71 0.77 0.80 0.83 1.21 1.20 1.20 1.19 1.19 1.20 1.15 1.16 1.15 1.15 1.14 1.12 32 18 0.68 0.73 0.76 1.14 1.18 1.15 1.15 1.15 1.16 1.17 1.12 1.14 1.15 1.16 1.14 1.11 33 19 0.63 0.68 1.06 1.09 1.10 1.07 1.08 1.08 1.10 1.13 1.09 1.13 1.15 1.16 1.13 1.11 34 20 0.56 0.96 1.01 1.02 1.03 0.98 1.01 1.01 1.05 1.09 1.06 1.11 1.13 1.14 1.13 1.12 35 21 0.81 0.91 0.96 0.96 0.95 0.91 0.95 0.96 1.00 1.06 1.06 1.09 1.11 1.13 1.15 1.16 36 22 0.76 0.86 0.92 0.92 0.91 0.89 0.91 0.93 0.98 1.04 1.06 1.08 1.11 1.14 1.17 1.20 37 23 0.73 0.82 0.89 0.89 0.89 0.88 0.90 0.93 0.98 1.05 1.07 1.09 1.14 1.18 1.21 1.31 38 24 0.69 0.78 0.84 0.87 0.88 0.88 0.91 0.95 1.00 1.06 1.11 1.12 1.19 1.24 1.33 1.44 39 25 0.66 0.73 0.82 0.85 0.88 0.90 0.93 0.97 1.03 1.10 1.15 1.19 1.27 1.38 1.46 1.59 40 26 0.63 0.71 0.79 0.83 0.89 0.92 0.96 1.01 1.07 1.15 1.21 1.28 1.39 1.52 1.63 1.77 41 27 0.63 0.69 0.77 0.84 0.91 0.96 1.00 1.06 1.13 1.22 1.29 1.41 1.54 1.69 1.82 1.97 42 28 0.64 0.71 0.79 0.87 0.94 1.00 1.06 1.13 1.22 1.32 1.43 1.55 1.70 1.87 2.02 2.20 43 29 0.67 0.74 0.82 0.90 0.99 1.06 1.14 1.22 1.32 1.47 1.59 1.72 1.88 2.06 2.24 2.47 44 30 0.72 0.79 0.88 0.96 1.05 1.14 1.22 1.33 1.47 1.64 1.77 1.92 2.09 2.29 2.49 2.78 45 31 0.76 0.85 0.93 1.03 1.12 1.23 1.33 1.47 1.64 1.83 1.98 2.14 2.33 2.56 2.79 3.10 46 32 0.79 0.90 1.00 1.09 1.20 1.32 1.47 1.63 1.82 2.03 2.20 2.39 2.61 2.86 3.12 3.48 47 33 0.81 0.93 1.04 1.17 1.30 1.45 1.62 1.80 2.01 2.25 2.44 2.66 2.93 3.21 3.51 3.89 48 34 0.82 0.96 1.10 1.25 1.42 1.59 1.78 1.99 2.21 2.47 2.71 2.97 3.27 3.61 3.92 4.37 49 35 0.83 1.00 1.17 1.36 1.54 1.75 1.95 2.18 2.44 2.72 2.99 3.29 3.64 4.02 4.38 4.91 50 36 0.85 1.07 1.28 1.50 1.72 1.94 2.19 2.44 2.73 3.04 3.33 3.67 4.06 4.49 4.89 5.44 51 37 0.91 1.16 1.40 1.67 1.92 2.17 2.44 2.74 3.06 3.39 3.71 4.07 4.50 4.97 5.43 5.96 52 38 0.99 1.28 1.58 1.87 2.16 2.43 2.73 3.08 3.41 3.78 4.11 4.50 4.95 5.47 5.99 6.59 53 39 1.09 1.44 1.78 2.10 2.41 2.73 3.06 3.42 3.81 4.19 4.55 4.95 5.43 6.00 6.64 7.30 54 40 1.22 1.62 2.00 2.37 2.70 3.04 3.41 3.80 4.21 4.65 5.01 5.43 5.94 6.60 7.35 8.13 55 41 1.34 1.81 2.25 2.65 3.02 3.38 3.76 4.19 4.65 5.12 5.52 5.98 6.59 7.34 8.21 9.23 56 42 1.47 2.00 2.49 2.94 3.33 3.73 4.14 4.61 5.10 5.62 6.07 6.64 7.33 8.17 9.17 10.45 57 43 1.60 2.19 2.73 3.22 3.66 4.08 4.53 5.01 5.53 6.12 6.70 7.38 8.16 9.10 10.23 11.68 58 44 1.74 2.38 2.97 3.51 3.98 4.44 4.91 5.42 5.95 6.67 7.38 8.18 9.09 10.15 11.33 12.95 59 45 1.89 2.58 3.23 3.82 4.33 4.82 5.32 5.84 6.43 7.27 8.11 9.06 10.12 11.25 12.51 14.26 60 46 2.03 2.78 3.49 4.16 4.73 5.25 5.78 6.36 7.01 7.92 8.88 9.96 11.11 12.31 13.66 15.50 61 47 2.17 3.01 3.80 4.53 5.19 5.74 6.32 6.96 7.73 8.68 9.73 10.87 12.12 13.46 14.95 16.88 62 48 2.31 3.27 4.15 4.96 5.71 6.36 6.99 7.69 8.56 9.52 10.60 11.81 13.19 14.70 16.37 18.47 63 49 2.47 3.54 4.52 5.43 6.30 7.04 7.76 8.54 9.47 10.42 11.51 12.80 14.33 16.03 17.90 20.24 64 50 2.62 3.85 4.92 5.94 6.91 7.77 8.59 9.44 10.37 11.34 12.46 13.86 15.55 17.44 19.54 22.12 65 51 2.78 4.15 5.36 6.47 7.52 8.50 9.41 10.32 11.23 12.27 13.50 15.05 16.93 19.09 21.47 24.41 66 52 2.95 4.49 5.81 7.00 8.12 9.18 10.16 11.10 12.07 13.22 14.58 16.30 18.40 20.81 23.50 26.81 67 53 3.13 4.82 6.25 7.51 8.70 9.78 10.77 11.79 12.89 14.13 15.68 17.61 19.92 22.58 25.59 29.52 68 54 3.33 5.16 6.69 8.02 9.24 10.29 11.32 12.43 13.67 15.05 16.80 18.97 21.51 24.42 27.92 32.22 69 55 3.54 5.5_ 7.17 8.55 9.76 10.81 11.88 13.05 14.45 15.98 17.96 20.39 23.19 26.52 30.42 35.08 70 56 3.79 5.93 7.70 9.11 10.33 11.40 12.51 13.75 15.25 16.94 19.14 21.80 24.95 28.57 32.8_ 38.00 71 57 4.09 6.42 8.29 9.77 10.99 12.10 13.27 14.55 16.07 17.97 20.39 23.41 26.85 30.81 35.44 41.28 72 58 4.46 6.98 9.00 10.56 11.81 12.99 14.20 15.50 16.99 19.09 21.81 25.10 28.89 33.23 38.33 44.35 73 59 4.87 7.63 9.84 11.49 12.83 14.06 15.30 16.59 18.11 20.38 23.31 26.87 31.03 35.86 41.16 47.66 74 60 5.33 8.37 10.75 12.51 13.98 15.25 16.51 17.81 19.44 21.79 24.93 28.74 33.32 48.41 44.19 51.48 75 61 5.88 9.13 11.69 13.60 15.18 16.49 17.78 19.16 20.88 23.33 26.65 30.78 35.57 41.15 47.63 55.63 76 62 6.48 9.91 12.62 14.72 16.35 17.74 19.12 20.58 22.43 24.99 28.55 32.80 38.00 44.26 51.28 60.07 77 63 7.14 10.78 13.64 15.84 17.48 18.95 20.40 21.98 23.96 26.71 30.36 34.93 40.73 47.54 55.13 64.83 78 64 7.87 11.80 14.76 16.96 18.64 20.14 21.67 23.35 25.55 28.37 32.27 37.34 43.63 50.99 59.15 69.77 79 65 8.66 12._4 15.92 18.09 19.83 21.40 23.01 24.89 27.23 30.27 34.57 40.02 46.77 54.65 63.39 74.70 80 66 9.50 13.8_ 16.98 19.19 21.07 22.78 24.58 26.63 29.25 32.68 37.34 43.25 50.53 59.04 68.51 80.42 81 67 10.40 14.63 17.84 20.26 22.38 24.36 26.39 28.79 31.90 35.62 40.66 46.97 54.71 63.77 73._4 86.50 82 68 11.34 15.31 18.54 21.26 23.77 26.13 28.62 31.65 35.21 39.25 44.65 51.27 59.37 68.85 79.64 92.85 83 69 12.34 15.95 19.18 22.23 25.20 28.16 31.43 35.07 39.14 43.51 49.24 56.12 64.44 74.23 85.60 99.98 84 70 13.38 16.51 19.76 23.12 26.68 30.52 34.60 38.98 43.60 48.31 54.39 61.42 69.87 79.87 91.78 107.64 85 71 14.35 17.71 21.16 24.73 28.66 32.75 37.11 41.78 46.69 51.72 58.18 65.64 74.60 85.19 97.__ 114.60 86 72 15.39 18.97 22.63 26.57 30.76 35.14 39.78 44.75 49.99 55.32 62.18 70.10 79.58 90.80 104.13 122.57 87 73 16.45 20.26 24.28 28.48 32.95 37.61 42.55 47.84 53.39 59.04 66.30 74.67 84.70 96.53 111.21 134.42 88 74 17.30 21.39 25.60 30.01 34.70 39.58 44.75 50.28 56.07 61.95 69.49 78.19 88.60 100.88 119.96 145.00 89 75 17.93 22.15 26.50 31.04 35.86 40.88 46.19 51.85 57.78 63.76 71.47 80.34 90.93 105.49 127.02 153.59 90 160.30 91 168.13 92 177.85 93 192.55 94
SMOKER - FEMALE - ADDITIONAL INSURE RIDER
[X] [X] [X]+1 [X]+2 [X]+3 [X]+4 [X]+5 [X]+6 [X]+7 [X]+8 [X]+9 [X]+10 [X]+11 [X]+12 [X]+13 [X]+14 ULTIMATE --- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ ------ ------ ------ -------- 0 2.32 0.52 0.33 0.25 0.20 0.18 0.15 0.14 0.13 0.11 0.11 0.11 0.12 0.15 0.19 0.24 15 1 0.53 0.33 0.25 0.20 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 16 2 0.34 0.26 0.21 0.18 0.16 0.14 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.24 0.30 0.35 17 3 0.26 0.21 0.19 0.16 0.15 0.13 0.12 0.11 0.11 0.12 0.15 0.19 0.25 0.30 0.35 0.40 18 4 0.21 0.19 0.16 0.15 0.13 0.12 0.12 0.11 0.12 0.15 0.19 0.25 0.30 0.36 0.40 0.43 19 5 0.19 0.17 0.15 0.13 0.12 0.12 0.12 0.12 0.16 0.19 0.25 0.30 0.36 0.40 0.43 0.44 20 6 0.17 0.15 0.14 0.12 0.12 0.12 0.12 0.16 0.20 0.25 0.31 0.36 0.40 0.44 0.44 0.81 21 7 0.16 0.14 0.12 0.12 0.12 0.13 0.16 0.20 0.25 0.31 0.36 0.41 0.44 0.45 0.81 0.79 22 8 0.14 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.36 0.41 0.44 0.45 0.83 0.79 0.77 23 9 0.13 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.85 0.81 0.77 0.75 24 10 0.12 0.12 0.13 0.16 0.20 0.26 0.31 0.37 0.41 0.44 0.45 0.86 0.83 0.79 0.76 0.73 25 11 0.12 0.13 0.17 0.20 0.26 0.31 0.37 0.41 0.45 0.46 0.88 0.84 0.81 0.78 0.74 0.72 26 12 0.13 0.17 0.20 0.26 0.32 0.37 0.42 0.45 0.46 0.89 0.86 0.82 0.79 0.76 0.73 0.70 27 13 0.17 0.21 0.26 0.32 0.37 0.42 0.45 0.46 0.88 0.87 0.84 0.81 0.77 0.75 0.70 0.72 28 14 0.21 0.27 0.32 0.37 0.42 0.45 0.46 0.88 0.86 0.85 0.82 0.79 0.76 0.72 0.73 0.73 29 15 0.26 0.32 0.37 0.41 0.44 0.46 0.87 0.85 0.84 0.83 0.81 0.78 0.74 0.74 0.74 0.76 30 16 0.33 0.38 0.40 0.43 0.45 0.86 0.85 0.84 0.82 0.82 0.79 0.75 0.76 0.76 0.76 0.78 31 17 0.38 0.41 0.42 0.44 0.83 0.83 0.82 0.81 0.80 0.80 0.77 0.78 0.78 0.79 0.78 0.78 32 18 0.39 0.41 0.43 0.79 0.81 0.79 0.78 0.78 0.78 0.78 0.75 0.77 0.79 0.79 0.79 0.77 33 19 0.38 0.41 0.74 0.75 0.76 0.73 0.73 0.73 0.74 0.75 0.73 0.76 0.78 0.80 0.78 0.78 34 20 0.36 0.67 0.70 0.71 0.70 0.67 0.68 0.68 0.70 0.73 0.72 0.75 0.77 0.79 0.79 0.79 35 21 0.57 0.63 0.66 0.66 0.65 0.62 0.64 0.65 0.67 0.71 0.72 0.75 0.77 0.79 0.81 0.82 36 22 0.55 0.62 0.66 0.65 0.64 0.63 0.64 0.65 0.69 0.73 0.75 0.76 0.79 0.82 0.85 0.88 37 23 0.55 0.61 0.66 0.65 0.65 0.64 0.66 0.68 0.71 0.76 0.78 0.80 0.83 0.87 0.90 0.97 38 24 0.53 0.60 0.65 0.66 0.67 0.67 0.68 0.71 0.76 0.81 0.84 0.85 0.90 0.94 1.00 1.08 39 25 0.52 0.58 0.64 0.67 0.70 0.70 0.73 0.77 0.81 0.86 0.90 0.93 0.99 1.06 1.12 1.21 40 26 0.52 0.58 0.64 0.68 0.72 0.75 0.78 0.82 0.87 0.93 0.98 1.03 1.10 1.19 1.26 1.34 41 27 0.53 0.58 0.65 0.70 0.76 0.80 0.84 0.89 0.95 1.03 1.08 1.15 1.24 1.34 1.41 1.49 42 28 0.56 0.62 0.68 0.75 0.81 0.87 0.91 0.98 1.05 1.15 1.21 1.30 1.39 1.49 1.57 1.67 43 29 0.60 0.66 0.73 0.81 0.88 0.94 1.01 1.09 1.18 1.32 1.39 1.47 1.56 1.66 1.75 1.87 44 30 0.66 0.73 0.81 0.88 0.96 1.05 1.12 1.23 1.36 1.51 1.59 1.67 1.75 1.86 1.95 2.09 45 31 0.70 0.79 0.86 0.95 1.03 1.13 1.23 1.35 1.51 1.68 1.76 1.85 1.95 2.07 2.17 2.33 46 32 0.74 0.83 0.92 1.01 1.11 1.22 1.35 1.50 1.68 1.86 1.95 2.06 2.18 2.31 2.42 2.61 47 33 0.75 0.86 0.96 1.08 1.20 1.34 1.49 1.65 1.84 2.05 2.16 2.29 2.43 2.58 2.72 2.91 48 34 0.76 0.89 1.02 1.15 1.31 1.47 1.64 1.82 2.02 2.25 2.39 2.54 2.71 2.89 3.03 3.26 49 35 0.77 0.93 1.08 1.26 1.43 1.61 1.79 1.99 2.22 2.47 2.63 2.80 3.00 3.20 3.37 3.66 50 36 0.77 0.96 1.15 1.34 1.54 1.73 1.94 2.16 2.40 2.66 2.83 3.03 3.25 3.49 3.69 3.99 51 37 0.80 1.01 1.22 1.45 1.67 1.87 2.10 2.35 2.60 2.86 3.06 3.26 3.51 3.78 4.02 4.30 52 38 0.84 1.08 1.33 1.57 1.80 2.03 2.27 2.54 2.80 3.08 3.27 3.49 3.76 4.06 4.34 4.67 53 39 0.89 1.18 1.45 1.70 1.95 2.19 2.45 2.72 3.01 3.30 3.50 3.73 4.02 4.34 4.71 5.08 54 40 0.96 1.28 1.56 1.85 2.10 2.35 2.62 2.91 3.21 3.52 3.73 3.97 4.27 4.67 5.11 5.56 55 41 1.04 1.39 1.73 2.03 2.29 2.55 2.83 3.14 3.47 3.81 4.03 4.28 4.62 5.05 5.54 6.12 56 42 1.12 1.51 1.87 2.20 2.48 2.76 3.05 3.38 3.74 4.11 4.34 4.65 5.02 5.48 6.02 6.71 57 43 1.19 1.62 2.01 2.35 2.67 2.96 3.27 3.61 3.98 4.40 4.70 5.05 5.45 5.94 6.53 7.27 58 44 1.27 1.73 2.14 2.52 2.84 3.15 3.48 3.83 4.20 4.70 5.07 5.47 5.93 6.46 7.01 7.79 59 45 1.34 1.83 2.27 2.68 3.02 3.36 3.70 4.05 4.46 5.04 5.46 5.93 6.44 6.96 7.50 8.28 60 46 1.41 1.92 2.40 2.85 3.24 3.59 3.94 4.33 4.77 5.39 5.89 6.45 7.01 7.56 8.16 9.01 61 47 1.47 2.04 2.56 3.05 3.48 3.85 4.23 4.65 5.16 5.79 6.36 6.95 7.57 8.20 8.90 9.81 62 48 1.54 2.16 2.74 3.26 3.75 4.17 4.59 5.04 5.61 6.25 6.82 7.45 8.15 8.90 9.70 10.72 63 49 1.60 2.2_ 2.92 3.50 4.06 4.53 4.99 5.49 6.10 6.70 7.28 7.95 8.76 9.63 10.57 11.74 64 50 1.67 2.44 3.11 3.75 4.36 4.90 5.42 5.96 6.54 7.14 7.73 8.49 9.39 10.39 11.48 12.84 65 51 1.77 2.63 3.39 4.09 4.76 5.37 5.96 6.53 7.09 7.72 8.36 9.18 10.15 11.27 12.49 13.99 66 52 1.88 2.85 3.69 4.44 5.15 5.83 6.44 7.02 7.61 8.32 9.01 9.89 10.96 12.19 13.53 15.17 67 53 1.99 3.07 3.97 4.77 5.53 6.21 6.83 7.45 8.13 8.89 9.66 10.63 11.80 13.12 14.58 16.38 68 54 2.12 3.29 4.26 5.11 5.89 6.54 7.18 7.86 8.62 9.46 10.32 11.41 12.66 14.06 15.63 17.53 69 55 2.26 3.53 4.58 5.46 6.22 6.87 7.53 8.25 9.11 10.04 11.02 12.21 13.55 15.05 16.74 18.69 70 56 2.43 3.80 4.93 5.82 6.58 7.25 7.93 8.69 9.61 10.65 11.74 13.05 14.50 16.10 17.91 20.07 71 57 2.63 4.12 5.31 6.24 7.00 7.69 8.40 9.19 10.12 11.29 12.50 13.93 15.50 17.22 19.18 21.58 72 58 2.87 4.48 5.76 6.75 7.53 8.25 8.99 9.79 10.71 11.99 13.30 14.85 16.56 18.43 20.54 23.29 73 59 3.13 4.90 6.30 7.34 8.17 8.93 9.69 10.48 11.40 12.75 14.14 15.79 17.65 19.71 22.15 25.12 74 60 3.43 5.37 6.88 7.99 8.90 9.6_ 10.46 11.24 12.19 13.56 15.03 16.77 18.79 21.19 23.86 27.25 75 61 3.78 5.86 7.48 8.68 9.66 10.47 11.26 12.05 13.05 14.43 16.03 17.95 20.35 23.10 26.29 30.23 76 62 4.17 6._5 8.07 9.39 10.41 11.26 12.07 12.90 13.93 15.37 17.10 19.32 22.02 25.29 28.93 33.48 77 63 4.59 6.92 8.72 10.11 11.12 12.00 12.84 13.71 14.81 16.32 18.29 20.76 23.93 27.64 31.76 36.77 78 64 5.06 7.57 9.44 10.82 11.83 12.72 13.57 14.50 15.69 17.36 19.53 22.40 25.98 30.15 34.55 40.25 79 65 5.57 8.24 10.18 11.52 12.56 13.46 14.35 15.36 16.73 18.53 21.03 24.23 28.21 32.__ 37.52 43.80 80 66 6.11 8.86 10.85 12.20 13.30 14.27 15.24 16.44 17.98 20.03 22.88 26.50 30.81 35.82 41.35 48.27 81 67 6.68 9.38 11.38 12.85 14.08 15.18 16.36 17.77 19.62 21.86 25.07 28.96 33.72 39.26 45.45 53.09 82 68 7.29 9.80 11.80 13.44 14.89 16.28 17.74 19.54 21.67 24.10 27.56 31.80 36.95 42.97 49.83 58.21 83 69 7.93 10.20 12.18 14.00 15.77 17.52 19.47 21.65 24.10 26.62 30.44 35.00 40.48 46.95 54.47 63.95 84 70 8.59 10.53 12.50 14.54 16.67 18.97 21.43 24.06 26.74 29.45 33.66 38.50 44.30 51.17 59.34 70.18 85 71 9.20 11.27 13.36 15.51 17.88 20.34 22.97 25.69 28.53 31.41 36.10 41.53 48.03 55.70 64.84 76.96 86 72 9.84 12.03 14.26 16.63 19.16 21.80 24.53 27.42 30.44 33.46 38.70 44.76 51.99 60.56 70.76 84.72 87 73 10.49 12.81 15.26 17.80 20.50 23.25 26.13 29.20 32.37 35.57 41.40 48.13 56.15 65.65 77.41 95.63 88 74 10.98 13.49 16.05 18.71 21.50 24.37 27.38 30.56 33.86 37.18 43.53 50.85 59.61 69.96 85.55 10_.10 89 75 11.35 13.93 16.57 19.29 22.14 25.08 28.15 31.40 34.76 38.13 44.91 52.75 62.07 74.62 92.__ 115.51 90 120.74 91 ___.11 92 ___.31 93
DOMINION LIFE (EIWL) EFF. 2-1-93 MALE PREFERRED NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ----- ----- ------ ------ ------ ------ ------ ------ 0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297 1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271 2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252 3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249 4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253 5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274 6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354 7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445 8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586 9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719 10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852 11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 0.837 12 0.288 0.368 0.457 0.590 0.725 0.824 0.796 0.892 13 0.371 0.458 0.589 0.710 0.843 0.760 0.848 0.895 14 0.459 0.588 0.707 0.825 0.758 0.811 0.853 0.623 15 0.589 0.707 0.814 0.716 0.789 0.810 0.600 0.587 16 0.714 0.820 0.691 0.730 0.780 0.569 0.566 0.560 17 0.821 0.645 0.709 0.726 0.561 0.535 0.533 0.530 18 0.608 0.637 0.699 0.518 0.533 0.500 0.497 0.494 19 0.582 0.617 0.490 0.484 0.490 0.458 0.456 0.453 20 0.542 0.422 0.456 0.447 0.447 0.409 0.415 0.413 21 0.348 0.384 0.427 0.422 0.423 0.394 0.416 0.428 22 0.304 0.340 0.383 0.376 0.377 0.360 0.372 0.385 23 0.270 0.299 0.340 0.334 0.340 0.325 0.338 0.350 24 0.234 0.259 0.296 0.300 0.306 0.298 0.306 0.324 25 0.209 0.229 0.267 0.271 0.286 0.279 0.292 0.314 26 0.193 0.214 0.247 0.256 0.274 0.276 0.294 0.317 27 0.188 0.202 0.236 0.249 0.271 0.281 0.304 0.332 28 0.187 0.202 0.233 0.250 0.276 0.291 0.318 0.360 29 0.193 0.205 0.237 0.258 0.290 0.308 0.349 0.392 30 0.197 0.213 0.249 0.268 0.303 0.334 0.372 0.430 31 0.198 0.220 0.255 0.280 0.321 0.351 0.403 0.460 32 0.201 0.223 0.264 0.294 0.335 0.374 0.431 0.497 33 0.196 0.224 0.272 0.305 0.358 0.398 0.463 0.534 34 0.188 0.224 0.274 0.316 0.373 0.419 0.487 0.565 35 0.189 0.228 0.289 0.338 0.401 0.452 0.527 0.614 36 0.191 0.241 0.311 0.368 0.441 0.498 0.585 0.680 37 0.202 0.258 0.338 0.404 0.486 0.552 0.647 0.752 38 0.216 0.282 0.375 0.449 0.541 0.612 0.714 0.836 39 0.236 0.314 0.417 0.499 0.599 0.677 0.793 0.932 40 0.259 0.349 0.465 0.558 0.662 0.748 0.883 1.037 41 0.283 0.384 0.519 0.616 0.734 0.833 0.977 1.146 42 0.307 0.423 0.568 0.679 0.814 0.921 1.079 1.265 43 0.332 0.458 0.621 0.746 0.895 1.013 1.184 1.386 44 0.356 0.495 0.678 0.816 0.976 1.106 1.293 1.509 45 0.384 0.539 0.737 0.893 1.068 1.209 1.412 1.650 46 0.415 0.582 0.801 0.976 1.173 1.326 1.554 1.811 47 0.446 0.633 0.875 1.070 1.297 1.471 1.714 2.000 48 0.478 0.690 0.961 1.178 1.447 1.642 1.915 2.239 49 0.512 0.753 1.056 1.307 1.611 1.839 2.157 2.521 50 0.547 0.823 1.165 1.444 1.787 2.057 2.422 2.831 51 0.585 0.902 1.282 1.592 1.975 2.285 2.696 3.146 52 0.629 0.985 1.407 1.750 2.167 2.509 2.959 3.467 53 0.675 1.071 1.538 1.909 2.359 2.717 3.214 3.767 54 0.728 1.165 1.674 2.072 2.548 2.928 3.455 4.052 55 0.786 1.270 1.826 2.247 2.758 3.150 3.701 4.341 56 0.857 1.388 1.994 2.454 2.986 3.388 3.974 4.664 57 0.944 1.527 2.199 2.691 3.241 3.667 4.300 5.040 58 1.044 1.701 2.443 2.970 3.555 4.018 4.700 5.484 59 1.169 1.904 2.724 3.295 3.937 4.442 5.171 5.996 60 1.310 2.130 3.036 3.660 4.382 4.919 5.700 6.576 61 1.473 2.372 3.369 4.063 4.858 5.434 6.275 7.213 62 1.657 2.624 3.714 4.489 5.345 5.972 6.880 7.901 63 1.864 2.917 4.097 4.935 5.842 6.510 7.490 8.608 64 2.098 3.260 4.531 5.403 6.358 7.065 8.119 9.336 65 2.357 3.624 4.993 5.886 6.907 7.665 8.805 10.164 66 2.640 3.986 5.444 6.380 7.499 8.334 9.612 11.152 67 2.954 4.315 5.846 6.884 8.141 9.114 10.582 12.373 68 3.296 4.617 6.215 7.389 8.849 10.026 11.782 13.876 69 3.669 4.922 6.578 7.909 9.620 11.088 13.196 15.694 70 4.073 5.216 6.939 8.434 10.454 12.261 14.828 17.809 71 4.475 5.733 7.622 9.260 11.453 13.428 16.238 19.496 72 4.919 6.297 8.368 10.148 12.546 14.708 17.781 21.337 73 5.395 6.905 9.159 11.101 13.722 16.082 19.429 23.320 74 5.821 7.435 9.855 11.944 14.762 17.293 20.895 25.075 75 6.155 7.857 10.415 12.620 15.589 18.262 22.064 26.464 76 6.432 8.209 10.879 13.177 16.277 19.067 23.023 27.606 77 6.714 8.567 11.349 13.747 16.978 19.877 23.995 28.761 78 7.150 9.120 12.082 14.632 18.061 21.139 25.510 30.566 79 7.791 9.938 13.165 15.934 19.663 23.006 27.752 33.238 80 _.___ _.___ __.___ __.___ __.___ __.___ __.___ __.___ [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------- ------- ------- 0 0.278 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15 1 0.258 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16 2 0.253 0.261 0.283 0.365 0.459 0.600 0.735 0.873 17 3 0.257 0.282 0.363 0.456 0.595 0.728 0.864 0.904 18 4 0.278 0.363 0.454 0.592 0.723 0.857 0.896 0.980 19 5 0.358 0.455 0.591 0.721 0.853 0.891 0.973 1.006 20 6 0.450 0.593 0.722 0.852 0.888 0.969 1.000 0.757 21 7 0.588 0.725 0.854 0.889 0.968 0.998 0.747 0.726 22 8 0.724 0.863 0.896 0.973 1.001 0.741 0.718 0.705 23 9 0.860 0.904 0.980 1.006 0.737 0.713 0.699 0.691 24 10 0.877 0.987 1.012 0.734 0.709 0.695 0.686 0.666 25 11 0.940 0.998 0.714 0.688 0.672 0.661 0.640 0.626 26 12 0.944 0.694 0.666 0.648 0.636 0.613 0.597 0.573 27 13 0.655 0.645 0.625 0.610 0.586 0.568 0.543 0.553 28 14 0.612 0.609 0.592 0.567 0.548 0.521 0.529 0.534 29 15 0.582 0.575 0.553 0.532 0.505 0.510 0.512 0.513 30 16 0.552 0.546 0.518 0.495 0.498 0.499 0.498 0.500 31 17 0.523 0.516 0.491 0.493 0.493 0.491 0.492 0.483 32 18 0.491 0.490 0.464 0.472 0.473 0.478 0.476 0.467 33 19 0.456 0.457 0.439 0.450 0.459 0.468 0.467 0.467 34 20 0.419 0.431 0.412 0.429 0.439 0.452 0.462 0.472 35 21 0.452 0.476 0.462 0.467 0.470 0.476 0.489 0.484 36 22 0.408 0.438 0.437 0.440 0.454 0.475 0.490 0.503 37 23 0.374 0.409 0.416 0.426 0.456 0.480 0.506 0.532 38 24 0.351 0.386 0.407 0.426 0.459 0.499 0.531 0.567 39 25 0.342 0.381 0.413 0.439 0.487 0.533 0.572 0.617 40 26 0.350 0.399 0.431 0.476 0.523 0.579 0.629 0.678 41 27 0.376 0.424 0.468 0.516 0.572 0.635 0.694 0.747 42 28 0.404 0.465 0.508 0.562 0.622 0.694 0.761 0.825 43 29 0.448 0.518 0.567 0.620 0.686 0.762 0.835 0.909 44 30 0.493 0.570 0.623 0.683 0.753 0.835 0.913 1.009 45 31 0.536 0.618 0.677 0.745 0.823 0.911 1.006 1.123 46 32 0.578 0.669 0.737 0.815 0.899 1.003 1.119 1.254 47 33 0.620 0.721 0.799 0.884 0.989 1.117 1.251 1.407 48 34 0.656 0.761 0.849 0.954 1.087 1.238 1.395 1.589 49 35 0.714 0.822 0.928 1.054 1.207 1.382 1.565 1.795 50 36 0.785 0.909 1.033 1.174 1.349 1.550 1.759 2.006 51 37 0.872 1.014 1.149 1.307 1.502 1.729 1.968 2.229 52 38 0.974 1.130 1.277 1.451 1.664 1.917 2.202 2.472 53 39 1.087 1.258 1.418 1.607 1.840 2.130 2.451 2.752 54 40 1.208 1.402 1.573 1.777 2.040 2.355 2.728 3.096 55 41 1.340 1.554 1.743 1.976 2.258 2.612 3.045 3.503 56 42 1.479 1.718 1.939 2.197 2.511 2.912 3.400 3.957 57 43 1.615 1.899 2.147 2.447 2.810 3.253 3.796 4.440 58 44 1.761 2.083 2.379 2.732 3.147 3.641 4.229 4.978 59 45 1.918 2.289 2.641 3.049 3.524 4.068 4.733 5.539 60 46 2.108 2.526 2.929 3.396 3.933 4.560 5.291 6.146 61 47 2.354 2.802 3.252 3.772 4.397 5.102 5.908 6.827 62 48 2.646 3.120 3.603 4.196 4.895 5.685 6.596 7.619 63 49 2.969 3.472 4.007 4.654 5.428 6.325 7.361 8.524 64 50 2.304 3.868 4.438 5.142 6.005 7.020 8.202 9.514 65 51 3.668 4.283 4.909 5.699 6.679 7.857 9.224 10.758 66 52 4.034 4.708 5.423 6.334 7.476 8.850 10.464 12.289 67 53 4.394 5.135 5.954 6.991 8.277 9.825 11.671 13.770 68 54 4.753 5.579 6.531 7.736 9.206 10.983 13.116 15.521 69 55 5.128 6.049 7.133 8.500 10.155 12.140 14.548 17.203 70 56 5.524 6.548 7.783 9.334 11.193 13.420 16.144 19.210 71 57 5.944 7.095 8.475 10.194 12.251 14.718 17.727 21.230 72 58 6.422 7.702 9.224 11.123 13.411 16.154 19.514 23.391 73 59 6.994 8.375 10.064 12.183 14.772 17.920 21.740 26.152 74 60 7.649 9.122 10.961 13.276 16.164 19.688 23.958 28.815 75 61 8.376 9.951 11.977 14.562 17.822 21.852 26.643 32.207 76 62 9.171 10.871 13.083 15.914 19.537 23.971 29.275 35.506 77 63 9.998 11.857 14.305 17.477 21.519 26.522 32.499 39.670 78 64 10.883 12.916 15.643 19.155 23.692 29.313 36.022 44.197 79 65 11.893 14.140 17.136 21.051 26.110 32.392 39.882 49.008 80 66 13.111 15.573 18.897 23.241 28.840 35.785 44.113 54.028 81 67 14.590 17.329 21.018 25.800 31.931 39.553 48.747 59.535 82 68 16.433 19.492 23.580 28.792 35.449 43.722 53.786 65.504 83 69 18.650 22.073 26.584 32.237 39.390 48.276 59.249 72.330 84 70 21.222 25.042 30.029 36.115 43.737 53.235 65.147 79.918 85 71 23.223 27.408 32.940 39.681 48.141 58.684 71.915 88.327 86 72 25.421 29.994 36.202 43.796 53.328 65.229 80.172 98.738 87 73 27.777 32.755 39.721 48.243 58.957 72.333 89.169 109.967 88 74 29.849 35.192 42.759 52.028 63.682 78.245 96.442 119.062 89 75 31.496 37.116 45.194 55.086 67.525 82.974 102.393 126.572 90 76 32.841 38.690 47.089 57.374 70.216 86.245 106.417 131.505 91 77 34.204 40.277 49.004 59.609 72.922 89.558 110.470 136.472 92 78 36.334 42.772 51.953 63.170 77.270 94.869 116.985 144.346 93 79 39.498 46.419 56.360 68.522 83.790 102.842 126.664 156.288 94 80 __.___ __.___ __.___ __.___ __.___ ___.___ ___.___ 168.454 95
DOMINION LIFE (EIWL) EFF. 2-1-93 MALE NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ------ ------ ------ ------ ------ ------ ------ ------ 0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297 1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271 2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252 3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249 4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253 5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274 6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354 7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445 8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586 9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719 10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852 11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 0.953 12 0.288 0.368 0.457 0.590 0.725 0.824 0.934 1.015 13 0.371 0.458 0.589 0.710 0.843 0.916 0.995 1.019 14 0.459 0.588 0.707 0.825 0.938 0.977 1.001 1.025 15 0.589 0.707 0.814 0.901 0.976 0.975 1.016 0.966 16 0.714 0.820 0.870 0.920 0.965 0.990 0.959 0.921 17 0.821 0.871 0.893 0.914 1.003 0.931 0.904 0.873 18 0.821 0.860 0.881 0.942 0.953 0.871 0.842 0.813 19 0.785 0.833 0.892 0.880 0.877 0.798 0.772 0.745 20 0.731 0.823 0.830 0.814 0.800 0.712 0.703 0.680 21 0.680 0.749 0.777 0.768 0.757 0.686 0.704 0.703 22 0.594 0.663 0.697 0.684 0.674 0.628 0.630 0.634 23 0.527 0.583 0.619 0.608 0.609 0.566 0.573 0.576 24 0.457 0.506 0.539 0.546 0.547 0.519 0.518 0.533 25 0.407 0.447 0.487 0.494 0.511 0.485 0.495 0.517 26 0.377 0.417 0.450 0.466 0.490 0.481 0.498 0.522 27 0.367 0.395 0.430 0.453 0.485 0.489 0.515 0.547 28 0.365 0.395 0.423 0.454 0.494 0.506 0.539 0.592 29 0.377 0.400 0.432 0.470 0.518 0.537 0.591 0.645 30 0.383 0.415 0.453 0.487 0.543 0.581 0.630 0.707 31 0.387 0.430 0.464 0.510 0.574 0.611 0.682 0.757 32 0.392 0.435 0.481 0.535 0.599 0.651 0.730 0.818 33 0.383 0.438 0.496 0.554 0.640 0.692 0.785 0.878 34 0.367 0.436 0.498 0.575 0.667 0.730 0.826 0.929 35 0.370 0.445 0.525 0.615 0.716 0.788 0.892 1.010 36 0.372 0.471 0.566 0.670 0.788 0.866 0.991 1.119 37 0.394 0.503 0.616 0.736 0.870 0.961 1.096 1.237 38 0.422 0.549 0.683 0.817 0.967 1.065 1.209 1.376 39 0.460 0.612 0.759 0.909 1.070 1.178 1.344 1.533 40 0.505 0.680 0.847 1.015 1.183 1.303 1.496 1.705 41 0.552 0.750 0.944 1.121 1.312 1.450 1.655 1.884 42 0.600 0.825 1.033 1.235 1.455 1.603 1.829 2.080 43 0.648 0.893 1.129 1.358 1.599 1.762 2.006 2.279 44 0.695 0.966 1.233 1.485 1.746 1.925 2.191 2.482 45 0.750 1.050 1.342 1.624 1.909 2.104 2.392 2.714 46 0.810 1.135 1.457 1.775 2.097 2.308 2.632 2.978 47 0.870 1.235 1.592 1.946 2.318 2.560 2.904 3.290 48 0.932 1.346 1.748 2.143 2.587 2.858 3.243 3.682 49 0.999 1.467 1.921 2.379 2.880 3.200 3.654 4.146 50 1.067 1.605 2.120 2.628 3.194 3.579 4.103 4.656 51 1.141 1.758 2.333 2.896 3.530 3.976 4.566 5.175 52 1.227 1.920 2.559 3.184 3.873 4.367 5.013 5.702 53 1.316 2.087 2.798 3.472 4.217 4.728 5.444 6.195 54 1.419 2.271 3.046 3.770 4.555 5.096 5.853 6.664 55 1.533 2.475 3.321 4.087 4.929 5.481 6.268 7.139 56 1.671 2.706 3.627 4.464 5.338 5.895 6.731 7.671 57 1.839 2.977 4.000 4.896 5.793 6.382 7.283 8.288 58 2.036 3.316 4.445 5.403 6.353 6.992 7.961 9.018 59 2.279 3.712 4.955 5.994 7.037 7.729 8.759 9.862 60 2.554 4.151 5.522 6.658 7.831 8.560 9.655 10.815 61 2.871 4.623 6.129 7.390 8.682 9.455 10.628 11.862 62 3.230 5.115 6.756 8.166 9.553 10.393 11.654 12.994 63 3.633 5.686 7.453 8.977 10.442 11.329 12.686 14.156 64 4.088 6.354 8.242 9.829 11.363 12.293 13.752 15.354 65 4.595 7.064 9.083 10.706 12.344 13.338 14.913 16.716 66 5.145 7.769 9.902 11.605 13.402 14.502 16.281 18.340 67 5.757 8.409 10.633 12.523 14.550 15.859 17.924 20.347 68 6.423 8.999 11.304 13.441 15.815 17.447 19.956 22.819 69 7.151 9.594 11.965 14.387 17.193 19.295 22.352 25.810 70 7.938 10.166 12.623 15.342 18.684 21.336 25.116 29.287 71 8.722 11.174 13.864 16.844 20.469 23.367 27.503 32.062 72 9.587 12.272 15.222 18.459 22.423 25.593 30.116 35.090 73 10.514 13.457 16.660 20.192 24.525 27.984 32.909 38.351 74 11.345 14.490 17.926 21.725 26.382 30.091 35.391 41.237 75 11.996 15.313 18.945 22.956 27.861 31.778 37.372 43.522 76 12.535 15.999 19.789 23.968 29.090 33.178 38.995 45.399 77 13.085 16.696 20.644 25.005 30.343 34.588 40.641 47.298 78 13.935 17.773 21.977 26.615 32.279 36.784 43.207 50.267 79 15.185 19.369 23.946 28.983 35.141 40.032 47.006 54.662 80 __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___ [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------- ------- ------- ------- ------- 0 0.278 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15 1 0.258 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16 2 0.253 0.261 0.283 0.365 0.459 0.600 0.735 0.873 17 3 0.257 0.282 0.363 0.456 0.595 0.728 0.864 0.984 18 4 0.278 0.363 0.454 0.592 0.723 0.857 0.975 1.067 19 5 0.358 0.455 0.591 0.721 0.853 0.969 1.059 1.094 20 6 0.450 0.593 0.722 0.852 0.966 1.054 1.088 0.996 21 7 0.588 0.725 0.854 0.967 1.053 1.085 1.014 0.956 22 8 0.724 0.863 0.974 1.059 1.088 1.036 0.975 0.929 23 9 0.860 0.983 1.066 1.094 1.062 0.998 0.949 0.910 24 10 0.977 1.074 1.100 1.088 1.022 0.972 0.931 0.877 25 11 1.048 1.085 1.091 1.021 0.969 0.925 0.869 0.824 26 12 1.053 1.090 1.017 0.962 0.916 0.858 0.811 0.755 27 13 1.056 1.014 0.954 0.905 0.844 0.795 0.737 0.728 28 14 0.986 0.956 0.904 0.841 0.789 0.729 0.718 0.703 29 15 0.937 0.904 0.845 0.790 0.727 0.713 0.695 0.675 30 16 0.890 0.857 0.792 0.734 0.717 0.698 0.675 0.658 31 17 0.843 0.811 0.750 0.732 0.710 0.686 0.667 0.636 32 18 0.791 0.770 0.708 0.700 0.682 0.668 0.646 0.615 33 19 0.734 0.719 0.671 0.668 0.661 0.655 0.633 0.615 34 20 0.675 0.678 0.630 0.637 0.632 0.632 0.627 0.622 35 21 0.728 0.748 0.706 0.693 0.677 0.666 0.664 0.637 36 22 0.657 0.689 0.668 0.653 0.654 0.664 0.665 0.662 37 23 0.603 0.642 0.635 0.633 0.657 0.672 0.687 0.700 38 24 0.566 0.606 0.622 0.632 0.661 0.698 0.721 0.747 39 25 0.552 0.598 0.631 0.652 0.702 0.746 0.777 0.812 40 26 0.564 0.627 0.658 0.706 0.754 0.811 0.854 0.893 41 27 0.605 0.667 0.715 0.765 0.825 0.889 0.942 0.984 42 28 0.650 0.731 0.776 0.833 0.897 0.971 1.033 1.087 43 29 0.722 0.814 0.865 0.920 0.989 1.065 1.134 1.197 44 30 0.795 0.896 0.952 1.013 1.085 1.167 1.240 1.329 45 31 0.864 0.971 1.035 1.106 1.186 1.274 1.365 1.479 46 32 0.931 1.051 1.125 1.209 1.295 1.402 1.518 1.651 47 33 0.998 1.133 1.220 1.311 1.425 1.562 1.698 1.853 48 34 1.057 1.195 1.297 1.415 1.566 1.731 1.894 2.093 49 35 1.151 1.292 1.417 1.564 1.739 1.933 2.125 2.363 50 36 1.265 1.429 1.577 1.742 1.943 2.167 2.387 2.642 51 37 1.405 1.593 1.755 1.939 2.164 2.418 2.671 2.935 52 38 1.569 1.776 1.950 2.153 2.397 2.681 2.989 3.255 53 39 1.751 1.976 2.165 2.384 2.650 2.979 3.327 3.624 54 40 1.946 2.203 2.402 2.635 2.938 3.293 3.703 4.077 55 41 2.157 2.442 2.661 2.931 3.253 3.653 4.133 4.612 56 42 2.382 2.699 2.961 3.259 3.618 4.073 4.615 5.211 57 43 2.600 2.984 3.279 3.629 4.048 4.550 5.153 5.847 58 44 2.836 3.272 3.632 4.053 4.533 5.092 5.740 6.555 59 45 3.089 3.596 4.033 4.523 5.076 5.690 6.424 7.294 60 46 3.395 3.968 4.472 5.037 5.666 6.378 7.181 8.093 61 47 3.792 4.403 4.965 5.594 6.333 7.135 8.018 8.989 62 48 4.261 4.902 5.501 6.223 7.051 7.951 8.952 10.032 63 49 4.782 5.456 6.119 6.903 7.819 8.846 9.990 11.224 64 50 5.322 6.077 6.777 7.627 8.650 9.817 11.132 12.528 65 51 5.908 6.730 7.495 8.453 9.621 10.988 12.520 14.166 66 52 6.497 7.397 8.281 9.395 10.769 12.377 14.203 16.181 67 53 7.077 8.069 9.090 10.370 11.923 13.740 15.841 18.132 68 54 7.654 8.766 9.972 11.474 13.262 15.360 17.802 20.437 69 55 8.259 9.504 10.891 12.608 14.629 16.978 19.745 22.652 70 56 8.896 10.289 11.884 13.845 16.123 18.769 21.912 25.295 71 57 9.572 11.148 12.940 15.121 17.648 20.584 24.060 27.954 72 58 10.342 12.101 14.084 16.498 19.318 22.591 26.485 30.800 73 59 11.263 13.159 15.366 18.071 21.279 25.062 29.506 34.435 74 60 12.318 14.333 16.735 19.693 23.284 27.534 32.517 37.941 75 61 13.489 15.635 18.286 21.600 25.672 30.560 36.161 42.407 76 62 14.770 17.081 19.975 23.605 28.143 33.523 39.734 46.752 77 63 16.101 18.629 21.842 25.924 30.998 37.091 44.109 52.234 78 64 17.526 20.293 23.884 28.413 34.128 40.994 48.891 58.195 79 65 19.152 22.216 26.164 31.225 37.612 45.300 54.130 64.529 80 66 21.114 24.467 28.853 34.473 41.544 50.045 59.872 71.139 81 67 23.496 27.226 32.090 38.269 45.997 55.314 66.161 78.390 82 68 26.465 30.625 36.002 42.706 51.064 61.145 73.001 86.250 83 69 30.035 34.680 40.588 47.815 56.741 67.514 80.416 95.238 84 70 34.176 39.346 45.848 53.567 63.003 74.449 88.421 105.230 85 71 37.398 43.062 50.293 58.857 69.347 82.069 97.606 116.301 86 72 40.938 47.125 55.274 64.961 76.819 91.222 108.813 130.009 87 73 44.733 51.463 60.646 71.557 84.927 101.158 121.024 144.794 88 74 48.069 55.292 65.285 77.170 91.733 109.425 130.896 156.771 89 75 50.722 58.316 69.002 81.706 97.269 116.038 138.972 166.659 90 76 52.888 60.788 71.895 85.100 101.147 120.614 144.434 173.155 91 77 55.082 63.281 74.819 88.415 105.043 125.247 149.935 179.695 92 78 58.513 67.201 79.322 93.698 111.307 132.674 158.778 190.063 93 79 63.608 72.932 86.051 101.635 120.698 143.824 171.914 205.787 94 80 __.___ __.___ __.___ ___.___ ___.___ ___.___ ___.___ ___.___ 95
DOMINION LIFE (EIWL) EFF. 2-1-93 MALE SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ------ ------ ------ ------ ------ ------ ------ ------ 0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297 1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271 2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252 3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249 4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253 5 0.346 0.310 0.295 0.270 0.256 0.245 0.251 0.274 6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354 7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445 8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586 9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719 10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852 11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 1.059 12 0.288 0.368 0.457 0.590 0.725 0.824 1.049 1.128 13 0.371 0.458 0.589 0.710 0.843 1.044 1.118 1.132 14 0.459 0.588 0.707 0.825 1.059 1.114 1.124 1.776 15 0.589 0.707 0.814 1.007 1.102 1.112 1.780 1.699 16 0.714 0.820 0.973 1.028 1.091 1.761 1.706 1.644 17 0.821 0.922 0.998 1.022 1.766 1.682 1.632 1.583 18 0.821 0.911 0.985 1.642 1.705 1.595 1.544 1.506 19 0.785 0.882 1.554 1.558 1.592 1.485 1.446 1.405 20 0.731 1.358 1.469 1.461 1.476 1.353 1.341 1.313 21 1.060 1.257 1.395 1.402 1.426 1.327 1.376 1.394 22 0.940 1.128 1.272 1.275 1.293 1.244 1.263 1.294 23 0.847 1.008 1.152 1.153 1.196 1.152 1.182 1.232 24 0.746 0.893 1.023 1.060 1.103 1.087 1.120 1.174 25 0.679 0.803 0.946 0.985 1.061 1.064 1.103 1.163 26 0.640 0.767 0.898 0.958 1.064 1.086 1.133 1.205 27 0.638 0.746 0.883 0.973 1.086 1.129 1.202 1.291 28 0.652 0.768 0.910 1.007 1.130 1.198 1.287 1.404 29 0.692 0.815 0.956 1.063 1.216 1.300 1.418 1.561 30 0.738 0.871 1.024 1.131 1.302 1.414 1.543 1.726 31 0.768 0.921 1.076 1.210 1.385 1.517 1.685 1.878 32 0.793 0.958 1.141 1.277 1.476 1.631 1.832 2.051 33 0.796 0.984 1.182 1.350 1.588 1.763 1.990 2.233 34 0.779 0.986 1.213 1.412 1.682 1.877 2.123 2.391 35 0.789 1.027 1.291 1.536 1.826 2.055 2.322 2.621 36 0.811 1.096 1.412 1.689 2.037 2.288 2.602 2.925 37 0.866 1.189 1.554 1.883 2.276 2.559 2.897 3.267 38 0.943 1.312 1.747 2.114 2.553 2.857 3.230 3.653 39 1.037 1.483 1.966 2.372 2.846 3.193 3.609 4.052 40 1.157 1.667 2.211 2.668 3.177 3.551 3.999 4.489 41 1.278 1.854 2.482 2.979 3.544 3.933 4.404 4.940 42 1.401 2.055 2.745 3.299 3.911 4.330 4.848 5.433 43 1.526 2.247 3.017 3.609 4.281 4.742 5.298 5.916 44 1.651 2.445 3.278 3.933 4.654 5.159 5.750 6.392 45 1.792 2.646 3.553 4.284 5.068 5.603 6.230 6.895 46 1.927 2.848 3.842 4.662 5.535 6.100 6.763 7.480 47 2.062 3.086 4.183 5.081 6.069 6.675 7.378 8.156 48 2.199 3.350 4.564 5.553 6.683 7.368 8.132 8.976 49 2.348 3.630 4.976 6.079 7.357 8.142 9.007 9.930 50 2.493 3.940 5.418 6.640 8.052 8.955 9.936 10.946 51 2.645 4.256 5.895 7.222 8.750 9.773 10.855 11.962 52 2.805 4.595 6.382 7.808 9.431 10.536 11.717 12.869 53 2.976 4.932 6.861 8.365 10.080 11.216 12.424 13.662 54 3.166 5.275 7.337 8.915 10.706 11.803 13.053 14.405 55 3.364 5.649 7.855 9.504 11.311 12.406 13.701 15.126 56 3.603 6.063 8.433 10.133 11.970 13.076 14.422 15.933 57 3.892 6.558 9.080 10.862 12.732 13.877 15.298 16.859 58 4.235 7.133 9.860 11.748 13.688 14.905 16.375 17.966 59 4.628 7.801 10.774 12.776 14.863 16.134 17.645 19.232 60 5.070 8.550 11.771 13.911 16.197 17.500 19.041 20.637 61 5.586 9.335 12.805 15.121 17.587 18.924 20.508 22.124 62 6.160 10.124 13.823 16.364 18.943 20.351 21.980 23.686 63 6.791 11.021 14.935 17.611 20.259 21.684 23.384 25.206 64 7.485 12.064 16.169 18.865 21.550 22.996 24.761 26.686 65 8.238 13.128 17.433 20.086 22.879 24.371 26.211 28.343 66 9.030 14.127 18.578 21.279 24.263 25.866 27.916 30.323 67 9.887 14.945 19.496 22.428 25.715 27.596 29.968 32.779 68 10.783 15.631 20.246 23.499 27.267 29.603 32.510 36.037 69 11.732 16.278 20.919 24.538 28.905 31.899 35.696 39.935 70 12.721 16.838 21.530 25.515 30.605 34.580 39.298 44.385 71 13.643 18.055 23.058 27.295 32.869 37.103 42.150 47.569 72 14.630 19.336 24.666 29.323 35.277 39.804 45.185 50.947 73 15.646 20.659 26.465 31.427 37.792 42.609 48.317 54.467 74 16.449 21.807 27.900 33.119 39.800 44.834 50.827 57.247 75 17.050 22.578 28.881 34.260 41.131 46.315 52.465 59.041 76 17.456 23.105 29.534 35.004 42.008 47.268 53.495 60.146 77 17.848 23.606 30.149 35.721 42.832 48.152 54.449 61.154 78 18.607 24.590 31.396 37.166 44.524 50.011 56.492 63.394 79 19.842 26.213 33.438 39.549 47.339 53.116 59.948 67.201 80 __.___ __.___ __.___ __.___ 50.056 56.117 63.266 70.853 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------- ------- ------- ------- ------- ------- 0 0.278 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15 1 0.258 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16 2 0.253 0.261 0.283 0.365 0.459 0.600 0.735 0.873 17 3 0.257 0.282 0.363 0.456 0.595 0.728 0.864 1.058 18 4 0.278 0.363 0.454 0.592 0.723 0.857 1.048 1.147 19 5 0.358 0.455 0.591 0.721 0.853 1.042 1.138 1.176 20 6 0.450 0.593 0.722 0.852 1.039 1.133 1.170 1.706 21 7 0.588 0.725 0.854 1.040 1.133 1.167 1.730 1.662 22 8 0.724 0.863 1.048 1.138 1.170 1.761 1.689 1.639 23 9 0.860 1.057 1.146 1.176 1.798 1.722 1.668 1.631 24 10 1.066 1.155 1.183 1.837 1.757 1.702 1.663 1.606 25 11 1.143 1.167 1.835 1.750 1.690 1.646 1.585 1.536 26 12 1.148 1.828 1.738 1.672 1.623 1.558 1.505 1.441 27 13 1.795 1.727 1.654 1.599 1.528 1.470 1.401 1.425 28 14 1.703 1.652 1.592 1.517 1.455 1.382 1.401 1.419 29 15 1.642 1.587 1.519 1.451 1.372 1.386 1.397 1.425 30 16 1.584 1.537 1.450 1.380 1.390 1.397 1.421 1.432 31 17 1.533 1.480 1.406 1.413 1.417 1.438 1.446 1.413 32 18 1.465 1.438 1.363 1.392 1.424 1.443 1.429 1.403 33 19 1.392 1.379 1.330 1.390 1.423 1.444 1.439 1.435 34 20 1.313 1.338 1.306 1.366 1.389 1.430 1.456 1.457 35 21 1.459 1.546 1.509 1.518 1.528 1.540 1.551 1.524 36 22 1.377 1.468 1.458 1.468 1.508 1.545 1.585 1.597 37 23 1.303 1.398 1.423 1.454 1.523 1.595 1.651 1.717 38 24 1.250 1.354 1.424 1.460 1.564 1.672 1.761 1.851 39 25 1.250 1.366 1.453 1.537 1.675 1.815 1.917 2.040 40 26 1.307 1.438 1.547 1.680 1.829 1.993 2.138 2.271 41 27 1.408 1.563 1.696 1.849 2.020 2.216 2.387 2.524 42 28 1.545 1.727 1.869 2.034 2.228 2.452 2.638 2.808 43 29 1.732 1.954 2.106 2.279 2.488 2.712 2.918 3.124 44 30 1.935 2.174 2.349 2.540 2.753 2.993 3.224 3.488 45 31 2.125 2.389 2.585 2.796 3.029 3.300 3.569 3.861 46 32 2.323 2.617 2.834 3.077 3.342 3.653 3.950 4.295 47 33 2.522 2.845 3.096 3.372 3.699 4.049 4.400 4.800 48 34 2.692 3.024 3.325 3.659 4.045 4.469 4.888 5.400 49 35 2.952 3.303 3.653 4.026 4.474 4.970 5.462 6.060 50 36 3.279 3.671 4.046 4.465 4.979 5.551 6.100 6.723 51 37 3.663 4.074 4.485 4.952 5.523 6.155 6.771 7.368 52 38 4.069 4.525 4.962 5.477 6.079 6.772 7.474 8.080 53 39 4.525 5.014 5.490 6.026 6.670 7.423 8.227 8.878 54 40 5.007 5.567 6.053 6.611 7.296 8.114 9.037 9.821 55 41 5.530 6.133 6.654 7.254 7.985 8.884 9.917 10.915 56 42 6.067 6.727 7.303 7.972 8.766 9.737 10.880 12.105 57 43 6.573 7.336 7.996 8.764 9.644 10.687 11.925 13.354 58 44 7.071 7.955 8.742 9.622 10.610 11.741 13.060 14.617 59 45 7.616 8.629 9.545 10.550 11.662 12.899 14.272 15.895 60 46 8.261 9.362 10.398 11.534 12.800 14.117 15.589 17.284 61 47 9.072 10.204 11.331 12.595 13.969 15.433 17.060 18.820 62 48 10.017 11.152 12.344 13.680 15.198 16.855 18.671 20.590 63 49 11.033 12.204 13.405 14.828 16.517 18.383 20.426 22.560 64 50 12.073 13.273 14.510 16.056 17.913 19.998 22.289 24.662 65 51 13.085 14.364 15.727 17.445 19.530 21.920 24.552 27.297 66 52 14.063 15.473 17.034 19.007 21.409 24.184 27.264 30.507 67 53 15.013 16.545 18.330 20.545 23.214 26.280 29.753 33.415 68 54 15.918 17.620 19.692 22.264 25.276 28.743 32.683 36.808 69 55 16.837 18.708 21.063 23.947 27.280 31.056 35.428 39.852 70 56 17.760 19.836 22.499 25.730 29.389 33.552 38.403 43.441 71 57 18.716 21.039 23.970 27.469 31.438 35.944 41.164 46.835 72 58 19.795 22.345 25.502 29.290 33.615 38.510 44.206 50.318 73 59 21.092 23.751 27.191 31.338 36.145 41.677 48.022 54.813 74 60 22.548 25.282 28.927 33.337 38.584 44.648 51.563 59.206 75 61 24.131 26.940 30.855 35.673 41.483 48.283 56.213 64.834 76 62 25.810 28.730 32.881 38.013 44.308 51.923 60.517 70.010 77 63 27.466 30.569 35.059 40.676 47.843 56.285 65.801 76.576 78 64 29.166 32.470 37.353 43.704 51.607 60.931 71.403 83.487 79 65 31.080 34.635 40.114 47.056 55.707 65.917 77.360 90.554 80 66 33.384 37.394 43.340 50.885 60.239 71.262 83.700 97.583 81 67 36.419 40.767 47.213 55.301 65.267 77.045 90.140 105.077 82 68 40.189 44.915 51.856 60.391 70.875 83.250 97.482 112.908 83 69 44.674 49.794 57.209 66.141 76.983 89.825 104.871 121.671 84 70 49.766 55.283 63.212 72.430 83.528 96.735 112.533 131.132 85 71 53.292 59.185 67.780 77.767 89.788 104.068 121.170 141.277 86 72 57.063 63.311 72.794 83.824 97.067 112.831 131.679 153.856 87 73 60.949 67.561 78.000 90.112 104.675 121.968 142.679 168.317 88 74 64.001 70.890 81.945 94.792 110.215 128.533 151.583 178.948 89 75 65.953 72.966 84.481 97.835 113.852 133.886 158.028 186.739 90 76 67.113 74.190 85.806 99.271 116.293 136.651 161.222 190.393 91 77 68.179 75.288 86.992 101.311 118.592 139.293 164.236 193.844 92 78 70.602 77.888 90.594 105.424 123.355 144.796 170.628 203.026 93 79 74.769 83.033 96.504 112.254 131.263 153.994 182.924 217.661 94 80 79.356 88.059 102.302 118.923 138.984 164.377 195.262 232.278 95
DOMINION LIFE (EIWL) EFF. 2-1-93 MALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ------ ------ ------ ------ ------ ------ ------ ------ 0 1.345 0.825 0.542 0.436 0.375 0.340 0.309 0.297 1 0.825 0.541 0.434 0.366 0.348 0.304 0.293 0.271 2 0.542 0.434 0.365 0.341 0.313 0.289 0.268 0.252 3 0.436 0.366 0.341 0.307 0.298 0.265 0.250 0.249 4 0.369 0.343 0.308 0.293 0.274 0.248 0.247 0.253 5 0.346 0.310 2.295 0.270 0.256 0.245 0.251 0.274 6 0.314 0.297 0.272 0.254 0.254 0.250 0.273 0.354 7 0.301 0.275 0.256 0.252 0.260 0.272 0.354 0.445 8 0.282 0.262 0.257 0.260 0.285 0.356 0.448 0.586 9 0.266 0.261 0.264 0.284 0.371 0.449 0.588 0.719 10 0.263 0.266 0.286 0.367 0.466 0.586 0.719 0.852 11 0.268 0.287 0.368 0.458 0.603 0.709 0.840 0.903 12 0.288 0.368 0.457 0.590 0.725 0.824 0.869 0.962 13 0.371 0.458 0.589 0.710 0.843 0.839 0.925 0.966 14 0.459 0.588 0.707 0.825 0.848 0.895 0.931 0.977 15 0.589 0.707 0.814 0.811 0.882 0.894 0.951 0.935 16 0.714 0.820 0.783 0.828 0.873 0.913 0.911 0.904 17 0.821 0.784 0.804 0.823 0.912 0.872 0.871 0.871 18 0.738 0.774 0.793 0.853 0.880 0.827 0.825 0.828 19 0.706 0.750 0.807 0.809 0.822 0.770 0.772 0.773 20 0.658 0.745 0.763 0.759 0.762 0.701 0.716 0.722 21 0.615 0.689 0.725 0.728 0.736 0.688 0.735 0.767 22 0.546 0.618 0.660 0.662 0.668 0.645 0.674 0.712 23 0.492 0.553 0.598 0.599 0.617 0.597 0.631 0.677 24 0.433 0.490 0.531 0.551 0.569 0.563 0.598 0.646 25 0.394 0.440 0.491 0.511 0.548 0.552 0.589 0.640 26 0.371 0.421 0.466 0.497 0.549 0.563 0.605 0.663 27 0.370 0.409 0.459 0.505 0.561 0.585 0.642 0.710 28 0.378 0.421 0.473 0.523 0.583 0.621 0.687 0.772 29 0.402 0.447 0.497 0.552 0.627 0.674 0.757 0.859 30 0.428 0.477 0.532 0.587 0.672 0.733 0.824 0.949 31 0.446 0.505 0.559 0.628 0.715 0.786 0.900 1.033 32 0.460 0.525 0.592 0.663 0.762 0.845 0.979 1.128 33 0.462 0.539 0.614 0.701 0.820 0.914 1.063 1.228 34 0.452 0.541 0.630 0.734 0.868 0.973 1.134 1.315 35 0.458 0.563 0.670 0.798 0.942 1.065 1.240 1.442 36 0.471 0.601 0.734 0.877 1.052 1.186 1.390 1.609 37 0.503 0.652 0.807 0.978 1.175 1.326 1.547 1.797 38 0.547 0.719 0.907 1.098 1.318 1.481 1.725 2.010 39 0.602 0.813 1.021 1.232 1.469 1.655 1.927 2.229 40 0.671 0.914 1.148 1.386 1.640 1.840 2.136 2.469 41 0.742 1.017 1.289 1.547 1.829 2.039 2.353 2.718 42 0.813 1.127 1.426 1.714 2.019 2.244 2.590 2.989 43 0.886 1.232 1.567 1.875 2.210 2.458 2.830 3.255 44 0.959 1.340 1.703 2.043 2.403 2.674 3.071 3.517 45 1.040 1.451 1.846 2.225 2.617 2.905 3.328 3.794 46 1.119 1.562 1.996 2.422 2.858 3.162 3.612 4.116 47 1.197 1.692 2.173 2.639 3.134 3.460 3.941 4.487 48 1.277 1.837 2.371 2.885 3.450 3.819 4.344 4.938 49 1.363 1.990 2.585 3.158 3.798 4.221 4.811 5.463 50 1.447 2.160 2.815 3.449 4.157 4.642 5.307 6.022 51 1.536 2.334 3.063 3.752 4.518 5.066 5.799 6.581 52 1.629 2.520 3.315 4.056 4.869 5.461 6.259 7.080 53 1.728 2.705 3.564 4.345 5.204 5.814 6.637 7.517 54 1.838 2.893 3.811 4.632 5.528 6.118 6.972 7.925 55 1.953 3.098 4.080 4.937 5.840 6.431 7.319 8.322 56 2.092 3.325 4.381 5.264 6.180 6.778 7.704 8.766 57 2.260 3.596 4.717 5.643 6.573 7.194 8.172 9.276 58 2.459 3.911 5.122 6.103 7.067 7.726 8.747 9.885 59 2.687 4.278 5.597 6.637 7.674 8.364 9.426 10.581 60 2.943 4.688 6.115 7.227 8.363 9.072 10.171 11.354 61 3.243 5.119 6.652 7.855 9.081 9.810 10.955 12.173 62 3.576 5.552 7.181 8.501 9.781 10.550 11.741 13.032 63 3.943 6.043 7.759 9.149 10.460 11.241 12.492 13.868 64 4.346 6.615 8.400 9.800 11.126 11.921 13.227 14.683 65 4.783 7.199 9.057 10.435 11.813 12.634 14.002 15.594 66 5.243 7.747 9.651 11.055 12.527 13.409 14.913 16.684 67 5.741 8.196 10.128 11.652 13.277 14.306 16.009 18.035 68 6.261 8.572 10.518 12.208 14.079 15.346 17.367 19.828 69 6.812 8.926 10.868 12.748 14.924 16.536 19.068 21.972 70 7.386 9.234 11.185 13.256 15.802 17.926 20.992 24.420 71 7.922 9.901 11.979 14.180 16.971 19.234 22.516 26.172 72 8.495 10.603 12.814 15.234 18.214 20.635 24.137 28.031 73 9.085 11.329 13.749 16.327 19.513 22.088 25.810 29.967 74 9.551 11.958 14.494 17.206 20.550 23.242 27.151 31.497 75 9.900 12.381 15.004 17.799 21.237 24.010 28.026 32.484 76 10.135 12.670 15.343 18.185 21.690 24.504 28.576 33.092 77 10.363 12.945 15.663 18.558 22.115 24.962 29.086 33.647 78 10.804 13.485 16.310 19.308 22.989 25.926 30.177 34.879 79 11.521 14.375 17.372 20.546 24.442 27.536 32.024 36.974 80 __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___ [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------- ------- ------- 0 0.278 0.263 0.260 0.265 0.288 0.373 0.470 0.616 15 1 0.258 0.258 0.263 0.285 0.369 0.464 0.607 0.745 16 2 0.253 0.261 0.283 0.365 0.459 0.600 0.735 0.873 17 3 0.257 0.282 0.363 0.456 0.595 0.728 0.864 0.955 18 4 0.278 0.363 0.454 0.592 0.723 0.857 0.946 1.035 19 5 0.358 0.455 0.591 0.721 0.853 0.940 1.027 1.062 20 6 0.450 0.593 0.722 0.852 0.938 1.023 1.056 1.237 21 7 0.588 0.725 0.854 0.938 1.022 1.053 1.209 1.205 22 8 0.724 0.863 0.946 1.027 1.056 1.187 1.181 1.188 23 9 0.860 0.954 1.035 1.062 1.169 1.161 1.167 1.183 24 10 0.935 1.042 1.068 1.151 1.142 1.147 1.162 1.164 25 11 1.002 1.053 1.109 1.097 1.098 1.110 1.108 1.114 26 12 1.007 1.064 1.050 1.048 1.055 1.050 1.053 1.045 27 13 1.016 1.005 0.999 1.002 0.993 0.991 0.980 1.033 28 14 0.963 0.962 0.962 0.951 0.945 0.931 0.979 1.029 29 15 0.929 0.924 0.918 0.909 0.892 0.934 0.977 1.033 30 16 0.896 0.895 0.876 0.865 0.903 0.942 0.993 1.039 31 17 0.867 0.862 0.849 0.885 0.921 0.969 1.011 1.024 32 18 0.828 0.837 0.823 0.872 0.926 0.973 0.999 1.018 33 19 0.788 0.803 0.803 0.871 0.925 0.974 1.006 1.040 34 20 0.743 0.779 0.789 0.856 0.903 0.964 1.018 1.056 35 21 0.825 0.900 0.912 0.951 0.993 1.039 1.084 1.105 36 22 0.779 0.854 0.881 0.920 0.980 1.042 1.108 1.158 37 23 0.737 0.814 0.859 0.911 0.990 1.076 1.154 1.245 38 24 0.707 0.788 0.860 0.915 1.017 1.128 1.231 1.342 39 25 0.707 0.795 0.878 0.963 1.089 1.224 1.340 1.480 40 26 0.739 0.837 0.935 1.052 1.189 1.343 1.495 1.647 41 27 0.797 0.910 1.024 1.159 1.313 1.494 1.669 1.830 42 28 0.874 1.005 1.129 1.275 1.448 1.653 1.845 2.036 43 29 0.980 1.137 1.272 1.428 1.617 1.829 2.041 2.265 44 30 1.095 1.266 1.419 1.592 1.789 2.018 2.254 2.530 45 31 1.202 1.391 1.561 1.752 1.969 2.225 2.496 2.800 46 32 1.314 1.524 1.712 1.929 2.173 2.463 2.762 3.115 47 33 1.427 1.656 1.870 2.113 2.405 2.730 3.077 3.481 48 34 1.523 1.761 2.008 2.293 2.629 3.013 3.418 3.916 49 35 1.670 1.923 2.207 2.523 2.908 3.351 3.819 4.395 50 36 1.855 2.137 2.444 2.798 3.237 3.743 4.265 4.875 51 37 2.072 2.372 2.710 3.103 3.591 4.150 4.735 5.343 52 38 2.302 2.635 2.998 3.432 3.952 4.566 5.227 5.860 53 39 2.560 2.919 3.316 3.776 4.336 5.005 5.753 6.438 54 40 2.833 3.241 3.657 4.143 4.743 5.471 6.319 7.123 55 41 3.129 3.571 4.019 4.546 5.191 5.990 6.935 7.915 56 42 3.433 3.917 4.412 4.996 5.699 6.565 7.608 8.779 57 43 3.719 4.271 4.830 5.493 6.269 7.206 8.339 9.685 58 44 4.001 4.632 5.281 6.030 6.897 7.917 9.133 10.600 59 45 4.309 5.024 5.766 6.612 7.582 8.698 9.980 11.527 60 46 4.674 5.451 6.281 7.229 8.321 9.518 10.902 12.535 61 47 5.133 5.941 6.845 7.894 9.081 10.406 11.930 13.649 62 48 5.667 6.493 7.457 8.573 9.880 11.365 13.057 14.932 63 49 6.242 7.106 8.098 9.293 10.737 12.395 14.284 16.361 64 50 6.831 7.728 8.766 10.063 11.645 13.484 15.586 17.885 65 51 7.404 8.363 9.501 10.933 12.696 14.780 17.169 19.796 66 52 7.957 9.009 10.291 11.912 13.918 16.306 19.066 22.125 67 53 8.495 9.633 11.073 12.876 15.092 17.720 20.806 24.233 68 54 9.006 10.259 11.897 13.954 16.432 19.381 22.855 26.694 69 55 9.526 10.892 12.725 15.009 17.735 20.940 24.775 28.901 70 56 10.049 11.550 13.592 16.126 19.106 22.624 26.855 31.504 71 57 10.590 12.250 14.481 17.215 20.438 24.236 28.786 33.966 72 58 11.200 13.010 15.406 18.357 21.853 25.966 30.914 36.492 73 59 11.934 13.829 16.426 19.640 23.498 28.102 33.582 39.752 74 60 12.758 14.721 17.475 20.893 25.084 30.105 36.058 42.937 75 61 13.654 15.686 18.640 22.357 26.968 32.556 39.310 47.019 76 62 14.604 16.728 19.864 23.824 28.804 35.010 42.320 50.772 77 63 15.541 17.799 21.180 25.493 31.103 37.951 46.015 55.535 78 64 16.503 18.906 22.566 27.391 33.550 41.084 49.932 60.547 79 65 17.585 20.166 24.234 29.492 36.215 44.446 54.098 65.672 80 66 18.889 21.773 26.183 31.891 39.162 48.050 58.531 70.770 81 67 20.606 23.737 28.523 34.659 42.430 51.950 63.224 76.204 82 68 22.739 26.152 31.328 37.849 46.076 56.134 68.170 81.883 83 69 25.277 28.993 34.562 41.453 50.047 60.567 73.337 88.239 84 70 28.158 32.189 38.188 45.394 54.302 65.226 78.695 95.100 85 71 30.153 34.460 40.948 48.739 58.372 70.171 84.734 102.458 86 72 32.287 36.863 43.977 52.535 63.104 76.080 92.084 111.580 87 73 34.486 39.338 47.122 56.476 68.050 82.241 99.776 122.067 88 74 36.213 41.276 49.505 59.409 71.651 86.667 106.002 129.777 89 75 37.317 42.485 51.038 61.317 74.016 90.277 110.510 135.428 90 76 37.974 43.198 51.838 62.216 75.603 92.141 112.743 138.077 91 77 38.577 43.837 52.555 63.495 77.097 93.923 114.851 140.580 92 78 39.948 45.351 54.731 66.073 80.193 97.633 119.321 147.239 93 79 42.306 48.347 58.301 70.354 85.335 103.835 127.932 157.853 94 80 __.___ 51.273 61.804 74.533 90.354 110.836 136.548 168.454 95
DOMINION LIFE (EIWL) EFF. 2-1-93 FEMALE PREFERRED NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ----- ----- ----- ----- ------ ------ ------ ------ 0 0.922 0.542 0.342 0.265 0.219 0.192 0.168 0.157 1 0.542 0.342 0.265 0.216 0.198 0.168 0.156 0.140 2 0.342 0.265 0.216 0.195 0.173 0.156 0.140 0.128 3 0.265 0.216 0.195 0.171 0.161 0.140 0.128 0.124 4 0.216 0.195 0.171 0.159 0.144 0.128 0.124 0.124 5 0.195 0.171 0.159 0.142 0.132 0.124 0.124 0.132 6 0.171 0.159 0.142 0.130 0.128 0.124 0.132 0.169 7 0.159 0.142 0.130 0.126 0.128 0.132 0.168 0.209 8 0.142 0.130 0.126 0.126 0.136 0.168 0.209 0.269 9 0.130 0.126 0.126 0.134 0.173 0.208 0.269 0.326 10 0.126 0.126 0.134 0.171 0.215 0.268 0.325 0.382 11 0.126 0.134 0.171 0.212 0.277 0.324 0.382 0.378 12 0.134 0.171 0.212 0.273 0.335 0.380 0.367 0.410 13 0.171 0.212 0.273 0.330 0.393 0.355 0.397 0.420 14 0.212 0.273 0.330 0.387 0.358 0.385 0.408 0.312 15 0.269 0.326 0.379 0.336 0.374 0.388 0.302 0.299 16 0.326 0.379 0.324 0.346 0.374 0.288 0.290 0.290 17 0.383 0.305 0.339 0.352 0.287 0.277 0.279 0.281 18 0.289 0.307 0.342 0.267 0.279 0.265 0.266 0.270 19 0.282 0.304 0.254 0.255 0.261 0.247 0.251 0.254 20 0.268 0.220 0.242 0.240 0.243 0.227 0.235 0.237 21 0.194 0.214 0.237 0.233 0.235 0.220 0.232 0.240 22 0.185 0.206 0.231 0.228 0.230 0.219 0.228 0.236 23 0.181 0.199 0.228 0.225 0.229 0.220 0.229 0.239 24 0.173 0.193 0.221 0.223 0.230 0.224 0.231 0.245 25 0.168 0.185 0.216 0.221 0.233 0.229 0.240 0.258 26 0.160 0.177 0.207 0.214 0.231 0.232 0.247 0.269 27 0.161 0.174 0.203 0.216 0.235 0.243 0.265 0.290 28 0.163 0.176 0.204 0.219 0.242 0.256 0.281 0.317 29 0.168 0.180 0.208 0.226 0.256 0.273 0.307 0.349 30 0.175 0.189 0.221 0.239 0.272 0.297 0.335 0.386 31 0.179 0.198 0.230 0.254 0.290 0.320 0.366 0.419 32 0.180 0.201 0.238 0.264 0.304 0.338 0.391 0.451 33 0.176 0.201 0.243 0.275 0.322 0.359 0.418 0.482 34 0.170 0.201 0.249 0.287 0.339 0.382 0.445 0.515 35 0.170 0.207 0.261 0.307 0.364 0.412 0.479 0.557 36 0.170 0.215 0.277 0.328 0.394 0.444 0.521 0.605 37 0.176 0.226 0.296 0.355 0.426 0.483 0.564 0.657 38 0.189 0.246 0.329 0.393 0.473 0.534 0.624 0.729 39 0.206 0.275 0.365 0.437 0.522 0.591 0.691 0.810 40 0.223 0.300 0.399 0.477 0.567 0.640 0.753 0.882 41 0.238 0.323 0.436 0.518 0.616 0.696 0.815 0.954 42 0.259 0.355 0.478 0.569 0.680 0.768 0.899 1.051 43 0.274 0.377 0.510 0.611 0.732 0.827 0.965 1.127 44 0.288 0.399 0.544 0.654 0.781 0.883 1.031 1.204 45 0.303 0.424 0.579 0.700 0.835 0.944 1.104 1.289 46 0.320 0.448 0.614 0.747 0.897 1.015 1.189 1.389 47 0.336 0.476 0.656 0.801 0.971 1.101 1.287 1.504 48 0.351 0.506 0.704 0.863 1.060 1.206 1.409 1.651 49 0.367 0.539 0.756 0.936 1.157 1.323 1.555 1.821 50 0.383 0.577 0.815 1.013 1.256 1.449 1.710 2.003 51 0.410 0.631 0.900 1.119 1.391 1.613 1.908 2.234 52 0.440 0.691 0.989 1.233 1.530 1.776 2.101 2.461 53 0.474 0.753 1.083 1.347 1.669 1.929 2.281 2.674 54 0.512 0.821 1.182 1.467 1.809 2.078 2.453 2.876 55 0.554 0.896 1.292 1.595 1.957 2.236 2.626 3.080 56 0.605 0.982 1.415 1.741 2.120 2.404 2.819 3.307 57 0.668 1.084 1.560 1.911 2.300 2.602 3.049 3.571 58 0.741 1.207 1.734 2.108 2.522 2.849 3.330 3.887 59 0.829 1.352 1.933 2.338 2.792 3.147 3.665 4.252 60 0.930 1.511 2.154 2.595 3.105 3.487 4.042 4.661 61 1.045 1.683 2.389 2.879 3.443 3.853 4.448 5.111 62 1.176 1.861 2.632 3.182 3.790 4.233 4.876 5.598 63 1.321 2.067 2.904 3.500 4.141 4.614 5.307 6.091 64 1.486 2.311 3.213 3.830 4.506 5.005 5.745 6.597 65 1.671 2.570 3.539 4.171 4.894 5.424 6.222 7.164 66 1.872 2.826 3.858 4.520 5.306 5.889 6.775 7.837 67 2.094 3.057 4.142 4.872 5.753 6.424 7.437 8.661 68 2.335 3.271 4.398 5.221 6.237 7.046 8.248 9.681 69 2.600 3.483 4.648 5.574 6.761 7.762 9.207 10.914 70 2.882 3.686 4.891 5.927 7.318 8.554 10.312 12.336 71 3.162 4.041 5.357 6.483 7.990 9.338 11.248 13.454 72 3.467 4.425 5.858 7.080 8.725 10.188 12.270 14.673 73 3.791 4.834 6.390 7.720 9.505 11.098 13.361 15.975 74 4.075 5.187 6.853 8.273 10.187 11.892 14.313 17.104 75 4.294 5.464 7.214 8.709 10.720 12.510 15.051 17.982 76 4.473 5.686 7.508 9.061 11.150 13.006 15.644 18.688 77 4.651 5.912 7.805 9.417 11.581 13.506 16.243 19.398 78 4.934 6.271 8.276 9.981 12.272 14.310 17.205 20.543 79 _.___ _.___ _.___ 10.827 13.311 15.517 18.652 22.267 80 _.___ _.___ _.___ __.___ __.___ __.___ __.___ __.___ [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------ ------ ------ 0 0.142 0.130 0.125 0.123 0.130 0.164 0.201 0.257 15 1 0.129 0.126 0.125 0.131 0.166 0.203 0.259 0.310 16 2 0.125 0.126 0.133 0.167 0.205 0.262 0.314 0.364 17 3 0.125 0.134 0.169 0.207 0.265 0.317 0.368 0.377 18 4 0.134 0.171 0.209 0.267 0.320 0.372 0.381 0.409 19 5 0.170 0.212 0.270 0.323 0.375 0.385 0.413 0.420 20 6 0.211 0.273 0.327 0.379 0.389 0.417 0.424 0.329 21 7 0.272 0.330 0.383 0.393 0.421 0.428 0.329 0.315 22 8 0.328 0.387 0.397 0.426 0.432 0.329 0.316 0.305 23 9 0.385 0.401 0.430 0.437 0.330 0.316 0.306 0.298 24 10 0.389 0.434 0.441 0.330 0.316 0.306 0.299 0.289 25 11 0.422 0.446 0.330 0.317 0.306 0.299 0.289 0.283 26 12 0.433 0.331 0.317 0.307 0.299 0.290 0.283 0.271 27 13 0.321 0.317 0.307 0.300 0.290 0.283 0.271 0.279 28 14 0.308 0.307 0.300 0.290 0.284 0.271 0.279 0.283 29 15 0.298 0.298 0.291 0.284 0.272 0.279 0.284 0.290 30 16 0.289 0.291 0.282 0.272 0.280 0.284 0.290 0.296 31 17 0.283 0.284 0.274 0.282 0.286 0.291 0.296 0.295 32 18 0.274 0.277 0.268 0.278 0.286 0.293 0.296 0.298 33 19 0.259 0.266 0.260 0.273 0.283 0.294 0.300 0.307 34 20 0.247 0.258 0.254 0.269 0.280 0.295 0.309 0.321 35 21 0.254 0.269 0.270 0.282 0.296 0.312 0.333 0.348 36 22 0.252 0.271 0.278 0.290 0.309 0.333 0.361 0.384 37 23 0.256 0.279 0.290 0.304 0.331 0.360 0.387 0.419 38 24 0.266 0.293 0.314 0.330 0.364 0.400 0.433 0.471 39 25 0.283 0.315 0.341 0.369 0.410 0.452 0.488 0.530 40 26 0.297 0.336 0.368 0.405 0.448 0.496 0.541 0.583 41 27 0.326 0.372 0.409 0.450 0.498 0.551 0.599 0.641 42 28 0.359 0.412 0.450 0.494 0.546 0.605 0.657 0.707 43 29 0.398 0.460 0.502 0.547 0.601 0.662 0.720 0.779 44 30 0.445 0.514 0.559 0.608 0.663 0.728 0.791 0.863 45 31 0.489 0.564 0.613 0.667 0.727 0.798 0.870 0.957 46 32 0.525 0.607 0.660 0.720 0.786 0.864 0.948 1.046 47 33 0.560 0.650 0.711 0.779 0.860 0.957 1.057 1.172 48 34 0.597 0.691 0.763 0.844 0.946 1.061 1.178 1.320 49 35 0.647 0.746 0.827 0.922 1.037 1.166 1.296 1.460 50 36 0.699 0.808 0.900 1.005 1.134 1.279 1.426 1.601 51 37 0.761 0.880 0.981 1.095 1.236 1.397 1.565 1.741 52 38 0.846 0.980 1.084 1.206 1.353 1.530 1.720 1.896 53 39 0.943 1.088 1.201 1.333 1.498 1.699 1.920 2.115 54 40 1.026 1.188 1.306 1.447 1.627 1.844 2.096 2.334 55 41 1.113 1.290 1.424 1.587 1.787 2.036 2.336 2.645 56 42 1.227 1.427 1.583 1.768 1.992 2.274 2.614 2.996 57 43 1.315 1.545 1.729 1.947 2.210 2.528 2.916 3.373 58 44 1.404 1.665 1.886 2.149 2.454 2.817 3.247 3.779 59 45 1.502 1.796 2.063 2.369 2.726 3.135 3.620 4.207 60 46 1.620 1.945 2.252 2.608 3.020 3.487 4.033 4.666 61 47 1.774 2.116 2.453 2.844 3.302 3.818 4.404 5.069 62 48 1.955 2.310 2.667 3.093 3.596 4.160 4.807 5.528 63 49 2.150 2.523 2.899 3.355 3.897 4.523 5.240 6.040 64 50 2.346 2.745 3.151 3.649 4.261 4.978 5.812 6.744 65 51 2.603 3.041 3.474 4.023 4.700 5.511 6.456 7.513 66 52 2.864 3.341 3.819 4.423 5.178 6.086 7.145 8.326 67 53 3.118 3.644 4.179 4.854 5.692 6.692 7.869 9.193 68 54 3.372 3.956 4.558 5.320 6.240 7.334 8.631 10.068 69 55 3.636 4.286 4.967 5.818 6.831 8.027 9.459 10.990 70 56 3.914 4.642 5.408 6.355 7.472 8.788 10.361 12.087 71 57 4.213 5.031 5.886 6.940 8.177 9.625 11.361 13.324 72 58 4.554 5.459 6.406 7.570 8.940 10.549 12.475 14.637 73 59 4.957 5.935 6.970 8.241 9.762 11.563 13.698 16.081 74 60 5.420 6.463 7.581 8.968 10.655 12.667 15.037 17.658 75 61 5.934 7.042 8.284 9.839 11.766 14.089 16.795 19.862 76 62 6.490 7.682 9.060 10.804 12.995 15.638 18.744 22.307 77 63 7.065 8.357 9.929 11.941 14.486 17.601 21.258 25.591 78 64 7.670 9.077 10.830 13.077 15.960 19.481 23.632 28.640 79 65 8.358 9.899 11.884 14.469 17.780 21.864 26.697 32.530 80 66 9.178 10.865 13.079 15.952 19.639 24.188 29.592 35.964 81 67 10.179 12.050 14.563 17.814 21.976 27.122 33.293 40.512 82 68 11.428 13.502 16.298 19.858 24.387 29.989 36.791 44.687 83 69 12.919 15.232 18.400 22.359 27.354 33.562 41.229 50.362 84 70 14.645 17.221 20.806 25.175 30.657 37.497 46.079 56.737 85 71 15.970 18.775 22.837 27.807 34.055 41.856 51.670 63.891 86 72 17.414 20.459 25.152 30.915 38.167 47.255 58.718 73.030 87 73 18.948 22.256 27.656 34.295 42.672 53.190 66.498 83.110 88 74 20.282 23.823 29.800 37.169 46.482 58.194 72.985 91.512 89 75 21.322 25.034 31.531 39.556 49.703 62.454 78.603 98.871 90 76 22.150 26.003 32.748 41.076 51.585 64.804 81.560 102.570 91 77 22.988 26.983 33.978 42.594 53.479 67.184 84.538 106.315 92 78 24.341 28.568 35.953 45.061 56.576 71.060 89.415 112.393 93 79 26.382 30.945 38.936 48.799 61.257 76.940 96.765 121.618 94 80 __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___ 95
DOMINION LIFE (EIWL) EFF. 2-1-93 FEMALE NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ------ ------ ------ ------ ------ ------ ------ ------ 0 0.922 0.542 0.342 0.265 0.219 0.192 0.168 0.157 1 0.542 0.342 0.265 0.216 0.198 0.168 0.156 0.140 2 0.342 0.265 0.216 0.195 0.173 0.156 0.140 0.128 3 0.265 0.216 0.195 0.171 0.161 0.140 0.128 0.124 4 0.216 0.195 0.171 0.159 0.144 0.128 0.124 0.124 5 0.195 0.171 0.159 0.142 0.132 0.124 0.124 0.132 6 0.171 0.159 0.142 0.130 0.128 0.124 0.132 0.169 7 0.159 0.142 0.130 0.126 0.128 0.132 0.168 0.209 8 0.142 0.130 0.126 0.126 0.136 0.168 0.209 0.269 9 0.130 0.126 0.126 0.134 0.173 0.208 0.269 0.326 10 0.126 0.126 0.134 0.171 0.215 0.268 0.325 0.382 11 0.126 0.134 0.171 0.212 0.277 0.324 0.382 0.430 12 0.134 0.171 0.212 0.273 0.335 0.380 0.430 0.467 13 0.171 0.212 0.273 0.330 0.393 0.428 0.466 0.479 14 0.212 0.273 0.330 0.387 0.443 0.464 0.478 0.513 15 0.269 0.326 0.379 0.424 0.463 0.468 0.513 0.492 16 0.326 0.379 0.408 0.436 0.463 0.501 0.492 0.477 17 0.383 0.411 0.427 0.443 0.513 0.483 0.474 0.463 18 0.391 0.415 0.431 0.486 0.499 0.461 0.451 0.445 19 0.381 0.410 0.463 0.464 0.467 0.430 0.425 0.418 20 0.362 0.430 0.440 0.436 0.435 0.395 0.398 0.391 21 0.378 0.417 0.431 0.425 0.421 0.383 0.393 0.395 22 0.360 0.401 0.421 0.415 0.411 0.382 0.386 0.388 23 0.352 0.389 0.415 0.409 0.409 0.384 0.388 0.394 24 0.338 0.376 0.402 0.407 0.411 0.389 0.392 0.404 25 0.328 0.362 0.394 0.403 0.416 0.399 0.407 0.424 26 0.313 0.346 0.376 0.390 0.413 0.405 0.419 0.442 27 0.313 0.340 0.370 0.392 0.421 0.424 0.449 0.478 28 0.319 0.344 0.372 0.399 0.433 0.446 0.477 0.521 29 0.328 0.352 0.379 0.412 0.457 0.475 0.520 0.573 30 0.341 0.369 0.402 0.436 0.486 0.518 0.568 0.635 31 0.349 0.386 0.419 0.462 0.518 0.557 0.620 0.690 32 0.350 0.392 0.433 0.480 0.544 0.588 0.662 0.742 33 0.343 0.393 0.442 0.500 0.575 0.624 0.708 0.794 34 0.332 0.393 0.453 0.522 0.607 0.665 0.753 0.847 35 0.332 0.404 0.476 0.559 0.651 0.717 0.811 0.916 36 0.332 0.419 0.504 0.597 0.704 0.773 0.883 0.995 37 0.344 0.440 0.539 0.645 0.762 0.840 0.956 1.081 38 0.369 0.481 0.599 0.715 0.846 0.929 1.057 1.199 39 0.402 0.536 0.665 0.794 0.934 1.030 1.172 1.332 40 0.435 0.584 0.726 0.869 1.015 1.114 1.275 1.450 41 0.465 0.631 0.793 0.943 1.101 1.212 1.380 1.569 42 0.504 0.693 0.869 1.036 1.216 1.337 1.523 1.728 43 0.534 0.736 0.929 1.113 1.308 1.439 1.634 1.854 44 0.561 0.779 0.990 1.191 1.396 1.537 1.747 1.980 45 0.592 0.826 1.053 1.273 1.492 1.643 1.870 2.120 46 0.624 0.873 1.118 1.359 1.604 1.767 2.014 2.284 47 0.655 0.927 1.193 1.457 1.736 1.917 2.180 2.474 48 0.684 0.987 1.280 1.571 1.895 2.099 2.386 2.715 49 0.716 1.051 1.376 1.703 2.068 2.302 2.634 2.995 50 0.747 1.124 1.484 1.844 2.246 2.522 2.896 3.295 51 0.799 1.230 1.637 2.036 2.487 2.807 3.231 3.674 52 0.858 1.347 1.799 2.243 2.734 3.090 3.559 4.047 53 0.923 1.468 1.971 2.451 2.984 3.357 3.864 4.398 54 0.997 1.600 2.150 2.668 3.234 3.617 4.155 4.729 55 1.080 1.747 2.350 2.902 3.498 3.891 4.448 5.065 56 1.180 1.915 2.575 3.168 3.789 4.183 4.776 5.439 57 1.302 2.114 2.838 3.476 4.111 4.528 5.165 5.873 58 1.445 2.354 3.155 3.834 4.508 4.958 5.641 6.393 59 1.617 2.635 3.516 4.253 4.990 5.477 6.209 6.993 60 1.813 2.946 3.918 4.721 5.549 6.068 6.846 7.666 61 2.038 3.280 4.346 5.237 6.154 6.705 7.533 8.406 62 2.292 3.627 4.787 5.789 6.774 7.367 8.259 9.207 63 2.576 4.029 5.283 6.366 7.401 8.028 8.989 10.017 64 2.897 4.504 5.845 6.967 8.053 8.710 9.731 10.850 65 3.257 5.009 6.438 7.587 8.746 9.438 10.538 11.782 66 3.648 5.507 7.017 8.223 9.483 10.247 11.475 12.889 67 4.081 5.959 7.534 8.861 10.282 11.178 12.597 14.244 68 4.552 6.376 7.999 9.498 11.147 12.261 13.970 15.920 69 5.067 6.789 8.455 10.140 12.083 13.507 15.594 17.948 70 5.617 7.184 8.897 10.782 13.080 14.886 17.466 20.287 71 6.163 7.876 9.744 11.792 14.280 16.249 19.051 22.125 72 6.757 8.625 10.656 12.878 15.593 17.728 20.783 24.131 73 7.389 9.421 11.623 14.042 16.988 19.312 22.631 26.271 74 7.942 10.109 12.466 15.049 18.206 20.693 24.243 28.129 75 8.369 10.649 13.123 15.842 19.160 21.769 25.492 29.573 76 8.717 11.082 13.656 16.482 19.927 22.632 26.497 30.733 77 9.064 11.522 14.196 17.129 20.698 23.502 27.513 31.901 78 9.616 12.222 15.055 18.155 21.933 24.901 29.142 33.783 79 10.442 13.268 16.334 19.693 23.789 27.000 31.592 36.619 80 __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___ [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------- ------- ------- 0 0.142 0.130 0.125 0.123 0.130 0.164 0.201 0.257 15 1 0.129 0.126 0.125 0.131 0.166 0.203 0.259 0.310 16 2 0.125 0.126 0.133 0.167 0.205 0.262 0.314 0.364 17 3 0.125 0.134 0.169 0.207 0.265 0.317 0.368 0.410 18 4 0.134 0.171 0.209 0.267 0.320 0.372 0.414 0.445 19 5 0.170 0.212 0.270 0.323 0.375 0.419 0.449 0.456 20 6 0.211 0.273 0.327 0.379 0.423 0.454 0.461 0.433 21 7 0.272 0.330 0.383 0.427 0.458 0.466 0.447 0.415 22 8 0.328 0.387 0.431 0.463 0.470 0.461 0.429 0.402 23 9 0.385 0.436 0.468 0.475 0.475 0.442 0.415 0.393 24 10 0.434 0.473 0.480 0.490 0.456 0.428 0.406 0.381 25 11 0.471 0.485 0.505 0.470 0.441 0.419 0.393 0.372 26 12 0.483 0.520 0.484 0.455 0.432 0.405 0.384 0.357 27 13 0.518 0.499 0.469 0.445 0.418 0.397 0.368 0.367 28 14 0.497 0.483 0.458 0.431 0.409 0.380 0.379 0.373 29 15 0.481 0.468 0.444 0.421 0.391 0.391 0.385 0.381 30 16 0.466 0.457 0.430 0.403 0.403 0.397 0.394 0.389 31 17 0.456 0.447 0.419 0.418 0.412 0.407 0.402 0.389 32 18 0.441 0.435 0.410 0.412 0.412 0.410 0.403 0.393 33 19 0.418 0.419 0.397 0.405 0.408 0.411 0.407 0.404 34 20 0.398 0.406 0.387 0.399 0.403 0.413 0.419 0.422 35 21 0.409 0.424 0.413 0.418 0.427 0.437 0.452 0.459 36 22 0.406 0.426 0.424 0.430 0.446 0.466 0.489 0.506 37 23 0.412 0.438 0.444 0.452 0.477 0.504 0.526 0.552 38 24 0.428 0.461 0.479 0.490 0.525 0.560 0.589 0.620 39 25 0.455 0.495 0.522 0.547 0.590 0.633 0.663 0.699 40 26 0.479 0.529 0.562 0.602 0.645 0.694 0.734 0.768 41 27 0.526 0.586 0.624 0.667 0.717 0.771 0.813 0.844 42 28 0.578 0.648 0.687 0.734 0.786 0.846 0.892 0.931 43 29 0.641 0.724 0.766 0.812 0.867 0.926 0.978 1.026 44 30 0.716 0.808 0.854 0.901 0.956 1.018 1.073 1.137 45 31 0.788 0.887 0.936 0.989 1.048 1.117 1.181 1.260 46 32 0.846 0.954 1.008 1.069 1.133 1.209 1.287 1.378 47 33 0.902 1.021 1.086 1.156 1.240 1.338 1.435 1.543 48 34 0.961 1.086 1.165 1.252 1.363 1.484 1.599 1.739 49 35 1.042 1.172 1.263 1.367 1.493 1.630 1.759 1.923 50 36 1.127 1.269 1.374 1.491 1.634 1.789 1.936 2.108 51 37 1.225 1.384 1.498 1.625 1.780 1.954 2.124 2.293 52 38 1.363 1.540 1.655 1.789 1.950 2.140 2.335 2.497 53 39 1.518 1.710 1.834 1.978 2.158 2.376 2.606 2.785 54 40 1.652 1.866 1.994 2.146 2.344 2.580 2.846 3.073 55 41 1.793 2.026 2.174 2.354 2.574 2.847 3.171 3.483 56 42 1.976 2.242 2.418 2.623 2.869 3.181 3.549 3.945 57 43 2.118 2.428 2.640 2.888 3.183 3.536 3.958 4.441 58 44 2.262 2.617 2.880 3.187 3.535 3.939 4.407 4.977 59 45 2.420 2.822 3.150 3.515 3.926 4.384 4.913 5.539 60 46 2.609 3.056 3.439 3.869 4.350 4.877 5.473 6.144 61 47 2.858 3.325 3.745 4.218 4.756 5.340 5.977 6.674 62 48 3.148 3.630 4.072 4.588 5.181 5.818 6.524 7.280 63 49 3.463 3.964 4.427 4.976 5.613 6.325 7.112 7.954 64 50 3.778 4.313 4.811 5.412 6.138 6.961 7.888 8.881 65 51 4.193 4.778 5.305 5.967 6.770 7.707 8.763 9.893 66 52 4.612 5.249 5.831 6.561 7.459 8.512 9.698 10.964 67 53 5.022 5.725 6.380 7.201 8.200 9.359 10.681 12.104 68 54 5.431 6.216 6.959 7.891 8.989 10.256 11.715 13.256 69 55 5.856 6.734 7.584 8.630 9.840 11.226 12.838 14.471 70 56 6.304 7.293 8.257 9.427 10.764 12.290 14.063 15.915 71 57 6.785 7.905 8.988 10.293 11.779 13.461 15.420 17.544 72 58 7.334 8.577 9.780 11.229 12.878 14.753 16.931 19.273 73 59 7.983 9.325 10.641 12.223 14.063 16.172 18.592 21.174 74 60 8.729 10.155 11.575 13.302 15.348 17.715 20.408 23.251 75 61 9.557 11.064 12.648 14.594 16.948 19.704 22.795 26.153 76 62 10.451 12.070 13.833 16.025 18.719 21.870 25.441 29.372 77 63 11.378 13.130 15.160 17.711 20.867 24.616 28.853 33.697 78 64 12.353 14.262 16.535 19.397 22.991 27.244 32.074 37.711 79 65 13.460 15.552 18.144 21.462 25.613 30.577 36.234 42.833 80 66 14.781 17.070 19.970 23.661 28.290 33.827 40.163 47.354 81 67 16.393 18.933 22.235 26.423 31.657 37.931 45.187 53.343 82 68 18.404 21.213 24.883 29.455 35.130 41.939 49.935 58.840 83 69 20.805 23.932 28.094 33.164 39.403 46.937 55.958 66.312 84 70 23.584 27.057 31.766 37.341 44.162 52.439 62.541 74.706 85 71 25.718 29.499 34.868 41.244 49.056 58.536 70.129 84.126 86 72 28.044 32.145 38.402 45.856 54.980 66.086 79.695 96.160 87 73 30.514 34.968 42.225 50.868 61.468 74.387 90.254 109.433 88 74 32.663 37.430 45.500 55.131 66.958 81.385 99.058 120.495 89 75 34.337 39.332 48.142 58.672 71.598 87.342 106.683 130.185 90 76 35.672 40.855 50.000 60.927 74.307 90.628 110.696 135.055 91 77 37.020 42.394 51.878 63.178 77.037 93.957 114.739 139.987 92 78 39.199 44.886 54.894 66.837 81.498 99.378 121.359 147.989 93 79 42.486 48.619 59.448 72.381 88.241 107.600 131.333 160.137 94 80 __.___ __.___ __.___ __.___ __.___ ___.___ ___.___ ___.___ 95
DOMINION LIFE (EIWL) EFF. 2-1-93 FEMALE SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ------ ------ ------ ------ ------ ------ ------ ------ 0 0.922 0.542 0.342 0.265 0.219 0.192 0.168 0.157 1 0.542 0.342 0.265 0.216 0.198 0.168 0.156 0.140 2 0.342 0.265 0.216 0.195 0.173 0.156 0.140 0.128 3 0.265 0.216 0.195 0.171 0.161 0.140 0.128 0.124 4 0.216 0.195 0.171 0.159 0.144 0.128 0.124 0.124 5 0.195 0.171 0.159 0.142 0.132 0.124 0.124 0.132 6 0.171 0.159 0.142 0.130 0.128 0.124 0.132 0.169 7 0.159 0.142 0.130 0.126 0.128 0.132 0.168 0.209 8 0.142 0.130 0.126 0.126 0.136 0.168 0.209 0.269 9 0.130 0.126 0.126 0.134 0.173 0.208 0.269 0.326 10 0.126 0.126 0.134 0.171 0.215 0.268 0.325 0.382 11 0.126 0.134 0.171 0.212 0.277 0.324 0.382 0.478 12 0.134 0.171 0.212 0.273 0.335 0.380 0.483 0.518 13 0.171 0.212 0.273 0.330 0.393 0.488 0.524 0.532 14 0.212 0.273 0.330 0.387 0.500 0.529 0.537 0.887 15 0.269 0.326 0.379 0.474 0.524 0.534 0.896 0.867 16 0.326 0.379 0.456 0.487 0.524 0.889 0.875 0.854 17 0.383 0.435 0.478 0.496 0.901 0.873 0.858 0.844 18 0.391 0.439 0.481 0.845 0.893 0.848 0.832 0.825 19 0.381 0.434 0.805 0.821 0.851 0.805 0.797 0.789 20 0.362 0.708 0.780 0.787 0.806 0.752 0.760 0.754 21 0.588 0.700 0.777 0.780 0.794 0.742 0.767 0.784 22 0.571 0.685 0.772 0.775 0.789 0.756 0.775 0.795 23 0.568 0.676 0.774 0.777 0.803 0.781 0.802 0.835 24 0.555 0.665 0.764 0.790 0.829 0.818 0.842 0.886 25 0.548 0.651 0.764 0.803 0.867 0.868 0.903 0.958 26 0.532 0.636 0.751 0.802 0.890 0.912 0.957 1.022 27 0.544 0.642 0.761 0.837 0.939 0.982 1.049 1.124 28 0.569 0.670 0.794 0.882 0.996 1.059 1.136 1.243 29 0.604 0.711 0.838 0.937 1.074 1.147 1.256 1.386 30 0.652 0.773 0.914 1.013 1.165 1.268 1.389 1.556 31 0.689 0.832 0.975 1.094 1.257 1.381 1.535 1.711 32 0.712 0.863 1.027 1.152 1.336 1.479 1.662 1.865 33 0.714 0.881 1.061 1.216 1.433 1.590 1.800 2.019 34 0.704 0.894 1.103 1.286 1.532 1.714 1.938 2.182 35 0.713 0.931 1.172 1.394 1.662 1.871 2.113 2.380 36 0.722 0.977 1.259 1.510 1.821 2.044 2.320 2.605 37 0.758 1.040 1.363 1.652 1.996 2.239 2.533 2.854 38 0.825 1.151 1.532 1.854 2.234 2.497 2.822 3.179 39 0.910 1.301 1.724 2.076 2.487 2.789 3.140 3.515 40 0.996 1.435 1.898 2.288 2.723 3.031 3.404 3.813 41 1.078 1.561 2.088 2.504 2.967 3.283 3.670 4.108 42 1.180 1.729 2.308 2.763 3.265 3.608 4.031 4.507 43 1.258 1.851 2.476 2.954 3.497 3.866 4.309 4.816 44 1.334 1.967 2.629 3.149 3.718 4.112 4.587 5.102 45 1.412 2.079 2.786 3.352 3.957 4.379 4.871 5.394 46 1.482 2.187 2.944 3.565 4.236 4.670 5.180 5.738 47 1.550 2.314 3.130 3.805 4.548 5.004 5.538 6.137 48 1.613 2.452 3.344 4.070 4.901 5.411 5.986 6.618 49 1.681 2.600 3.566 4.359 5.282 5.860 6.493 7.175 50 1.745 2.759 3.797 4.659 5.663 6.308 7.016 7.753 51 1.853 2.983 4.137 5.079 6.165 6.901 7.690 8.490 52 1.966 3.225 4.489 5.500 6.660 7.463 8.316 9.137 53 2.088 3.469 4.834 5.907 7.140 7.961 8.821 9.694 54 2.227 3.716 5.181 6.315 7.598 8.380 9.262 10.226 55 2.370 3.989 5.564 6.745 8.031 8.803 9.726 10.737 56 2.544 4.295 5.985 7.195 8.494 9.282 10.237 11.299 57 2.757 4.654 6.447 7.707 9.038 9.850 10.849 11.951 58 3.006 5.064 6.997 8.339 9.716 10.570 11.608 12.738 59 3.286 5.536 7.648 9.068 10.540 11.437 12.510 13.636 60 3.597 6.069 8.355 9.866 11.481 12.408 13.500 14.625 61 3.965 6.626 9.081 10.719 12.470 13.417 14.533 15.681 62 4.372 7.180 9.799 11.602 13.431 14.422 15.578 16.783 63 4.816 7.812 10.589 12.487 14.357 15.368 16.569 17.836 64 5.306 8.553 11.464 13.369 15.273 16.294 17.522 18.858 65 5.841 9.308 12.355 14.236 16.211 17.246 18.523 19.978 66 6.403 10.012 13.167 15.077 17.169 18.279 19.677 21.310 67 7.007 10.593 13.814 15.871 18.172 19.451 21.060 22.946 68 7.642 11.075 14.327 16.606 19.220 20.804 22.758 25.142 69 8.313 11.519 14.783 17.296 20.313 22.330 24.904 27.772 70 9.001 11.899 15.175 17.931 21.425 24.125 27.329 30.747 71 9.641 12.727 16.204 19.108 22.931 25.802 29.198 32.830 72 10.312 13.588 17.267 20.457 24.533 27.574 31.184 35.037 73 10.995 14.462 18.463 21.855 26.180 29.406 33.228 37.309 74 11.515 15.214 19.402 22.942 27.468 30.833 34.816 39.051 75 11.895 15.701 20.007 23.644 28.286 31.726 35.789 40.119 76 12.139 16.006 20.382 24.073 28.775 32.244 36.351 40.717 77 12.364 16.291 20.734 24.469 29.218 32.720 36.860 41.248 78 12.841 16.911 21.506 25.353 30.255 33.856 38.103 42.608 79 13.645 17.956 22.810 26.874 32.046 35.827 40.292 45.020 80 __.___ __.___ __.___ __.___ __.___ __.___ __.___ __.___ [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------- ------- ------- 0 0.142 0.130 0.125 0.123 0.130 0.164 0.201 0.257 15 1 0.129 0.126 0.125 0.131 0.166 0.203 0.259 0.310 16 2 0.125 0.126 0.133 0.167 0.205 0.262 0.314 0.364 17 3 0.125 0.134 0.169 0.207 0.265 0.317 0.368 0.441 18 4 0.134 0.171 0.209 0.267 0.320 0.372 0.446 0.478 19 5 0.170 0.212 0.270 0.323 0.375 0.450 0.483 0.491 20 6 0.211 0.273 0.327 0.379 0.455 0.488 0.496 0.739 21 7 0.272 0.330 0.383 0.459 0.493 0.501 0.760 0.722 22 8 0.328 0.387 0.464 0.498 0.506 0.781 0.743 0.712 23 9 0.385 0.469 0.503 0.511 0.803 0.763 0.732 0.708 24 10 0.473 0.508 0.516 0.824 0.784 0.752 0.728 0.698 25 11 0.513 0.521 0.847 0.806 0.773 0.749 0.718 0.695 26 12 0.527 0.869 0.827 0.794 0.769 0.738 0.714 0.680 27 13 0.878 0.849 0.816 0.790 0.758 0.734 0.699 0.720 28 14 0.858 0.837 0.811 0.779 0.754 0.719 0.740 0.755 29 15 0.846 0.826 0.800 0.775 0.738 0.760 0.776 0.800 30 16 0.834 0.821 0.788 0.758 0.781 0.798 0.822 0.845 31 17 0.830 0.816 0.784 0.807 0.823 0.847 0.870 0.868 32 18 0.818 0.813 0.790 0.821 0.853 0.883 0.895 0.898 33 19 0.791 0.804 0.789 0.837 0.876 0.910 0.927 0.940 34 20 0.774 0.804 0.798 0.854 0.890 0.937 0.972 0.995 35 21 0.821 0.870 0.880 0.921 0.964 1.009 1.063 1.096 36 22 0.845 0.905 0.930 0.968 1.025 1.091 1.165 1.224 37 23 0.887 0.957 0.996 1.036 1.112 1.195 1.268 1.354 38 24 0.949 1.031 1.095 1.140 1.240 1.346 1.437 1.539 39 25 1.033 1.127 1.208 1.288 1.413 1.540 1.640 1.756 40 26 1.106 1.220 1.319 1.435 1.564 1.711 1.838 1.954 41 27 1.231 1.370 1.484 1.612 1.761 1.924 2.063 2.167 42 28 1.373 1.536 1.654 1.796 1.956 2.138 2.280 2.408 43 29 1.540 1.738 1.869 2.012 2.182 2.360 2.520 2.677 44 30 1.744 1.965 2.108 2.262 2.427 2.614 2.789 2.978 45 31 1.942 2.183 2.340 2.503 2.682 2.891 3.081 3.286 46 32 2.112 2.379 2.542 2.726 2.923 3.142 3.343 3.578 47 33 2.280 2.566 2.760 2.972 3.211 3.464 3.712 3.992 48 34 2.451 2.751 2.985 3.231 3.515 3.826 4.120 4.480 49 35 2.678 2.994 3.249 3.515 3.837 4.187 4.516 4.933 50 36 2.919 3.255 3.521 3.818 4.181 4.575 4.949 5.366 51 37 3.187 3.534 3.823 4.144 4.537 4.977 5.386 5.764 52 38 3.530 3.918 4.207 4.544 4.949 5.405 5.847 6.198 53 39 3.918 4.333 4.644 5.003 5.432 5.928 6.444 6.825 54 40 4.245 4.709 5.026 5.384 5.827 6.356 6.947 7.402 55 41 4.588 5.093 5.437 5.832 6.320 6.927 7.609 8.245 56 42 5.038 5.588 5.971 6.418 6.954 7.604 8.368 9.173 57 43 5.353 5.978 6.437 6.977 7.584 8.308 9.167 10.139 58 44 5.647 6.361 6.935 7.567 8.276 9.091 10.024 11.102 59 45 5.965 6.775 7.454 8.201 9.030 9.936 10.919 12.066 60 46 6.351 7.209 7.997 8.867 9.824 10.800 11.877 13.125 61 47 6.837 7.708 8.555 9.494 10.495 11.545 12.721 13.980 62 48 7.402 8.267 9.135 10.089 11.161 12.336 13.613 14.942 63 49 7.997 8.863 9.702 10.685 11.861 13.149 14.542 15.992 64 50 8.569 9.424 10.296 11.398 12.715 14.182 15.800 17.485 65 51 9.291 10.193 11.135 12.319 13.744 15.381 17.187 19.061 66 52 9.979 10.983 11.998 13.275 14.834 16.634 18.615 20.666 67 53 10.657 11.744 12.867 14.271 15.968 17.899 20.057 22.310 68 54 11.298 12.496 13.748 15.314 17.131 19.189 21.510 23.876 69 55 11.940 13.261 14.671 16.391 18.345 20.537 23.035 25.458 70 56 12.589 14.064 15.632 17.515 19.622 21.971 24.647 27.334 71 57 13.269 14.917 16.645 18.701 20.984 23.506 26.384 29.395 72 58 14.036 15.835 17.711 19.936 22.408 25.150 28.261 31.486 73 59 14.948 16.833 18.831 21.197 23.889 26.894 30.257 33.704 74 60 15.981 17.914 20.008 22.519 25.436 28.725 32.362 36.282 75 61 17.098 19.064 21.342 24.103 27.385 31.131 35.435 39.984 76 62 18.264 20.303 22.773 25.805 29.471 33.874 38.784 43.986 77 63 19.410 21.547 24.333 27.790 32.206 37.355 43.045 49.404 78 64 20.558 22.818 25.859 29.836 34.766 40.497 46.846 54.103 79 65 21.841 24.246 27.818 32.344 37.937 44.496 51.787 60.105 80 66 23.370 26.089 29.997 34.928 41.023 48.169 56.145 64.960 81 67 25.408 28.351 32.716 38.187 44.921 52.830 61.751 71.506 82 68 27.948 31.114 35.844 41.655 48.757 57.104 66.683 77.027 83 69 30.947 34.365 39.599 45.872 53.462 62.451 72.975 84.720 84 70 34.346 38.018 43.796 50.493 58.552 68.136 79.599 93.100 85 71 36.649 40.541 46.994 54.498 63.515 74.229 87.063 102.194 86 72 39.088 43.188 50.576 59.171 69.474 81.744 96.444 113.794 87 73 41.577 45.909 54.308 64.061 75.765 89.691 106.400 127.195 88 74 43.490 47.990 57.113 67.723 80.449 95.593 114.699 137.536 89 75 44.648 49.215 58.945 70.255 83.801 100.763 121.308 145.871 90 76 45.268 49.864 59.675 71.070 85.424 102.676 123.563 148.509 91 77 45.824 50.438 60.317 72.383 86.970 104.494 125.689 151.002 92 78 47.299 52.023 62.687 75.199 90.319 108.465 130.410 158.064 93 79 49.939 55.346 66.667 79.943 95.970 115.203 139.741 169.376 94 80 __.___ __.___ __.___ __.___ __.___ ___.___ 149.080 180.661 95
DOMINION LIFE (EIWL) EFF. 2-1-93 FEMALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ----- ----- ------ ------ ------ ------ ------ ------ 0 0.922 0.542 0.342 0.265 0.219 0.192 0.168 0.157 1 0.542 0.342 0.265 0.216 0.198 0.168 0.156 0.140 2 0.342 0.265 0.216 0.195 0.173 0.156 0.140 0.128 3 0.265 0.216 0.195 0.171 0.161 0.140 0.128 0.124 4 0.216 0.195 0.171 0.159 0.144 0.128 0.124 0.124 5 0.195 0.171 0.159 0.142 0.132 0.124 0.124 0.132 6 0.171 0.159 0.142 0.130 0.128 0.124 0.132 0.169 7 0.159 0.142 0.130 0.126 0.128 0.132 0.168 0.209 8 0.142 0.130 0.126 0.126 0.136 0.168 0.209 0.269 9 0.130 0.126 0.126 0.134 0.173 0.208 0.269 0.326 10 0.126 0.126 0.134 0.171 0.215 0.268 0.325 0.382 11 0.126 0.134 0.171 0.212 0.277 0.324 0.382 0.408 12 0.134 0.171 0.212 0.273 0.335 0.380 0.400 0.442 13 0.171 0.212 0.273 0.330 0.393 0.392 0.434 0.454 14 0.212 0.273 0.330 0.387 0.400 0.425 0.445 0.488 15 0.269 0.326 0.379 0.381 0.419 0.429 0.478 0.477 16 0.326 0.379 0.367 0.392 0.419 0.461 0.467 0.470 17 0.383 0.370 0.385 0.399 0.465 0.452 0.458 0.464 18 0.351 0.373 0.388 0.439 0.461 0.439 0.444 0.454 19 0.343 0.369 0.418 0.426 0.439 0.417 0.425 0.434 20 0.326 0.388 0.405 0.408 0.416 0.390 0.406 0.415 21 0.341 0.384 0.403 0.405 0.410 0.385 0.409 0.431 22 0.331 0.375 0.401 0.402 0.407 0.392 0.414 0.437 23 0.330 0.371 0.402 0.404 0.414 0.405 0.428 0.459 24 0.322 0.364 0.397 0.410 0.428 0.424 0.449 0.487 25 0.318 0.357 0.397 0.417 0.447 0.450 0.482 0.527 26 0.309 0.348 0.390 0.416 0.459 0.473 0.511 0.562 27 0.316 0.352 0.395 0.435 0.485 0.509 0.560 0.618 28 0.330 0.367 0.412 0.458 0.514 0.549 0.606 0.684 29 0.351 0.390 0.435 0.486 0.555 0.594 0.670 0.763 30 0.378 0.424 0.475 0.526 0.601 0.657 0.742 0.856 31 0.400 0.456 0.506 0.568 0.649 0.716 0.820 0.941 32 0.413 0.473 0.533 0.598 0.690 0.766 0.887 1.026 33 0.414 0.483 0.551 0.632 0.739 0.824 0.961 1.111 34 0.408 0.490 0.573 0.668 0.791 0.888 1.035 1.200 35 0.414 0.510 0.609 0.724 0.858 0.970 1.129 1.309 36 0.419 0.536 0.654 0.784 0.940 1.060 1.239 1.433 37 0.440 0.570 0.708 0.858 1.030 1.161 1.353 1.570 38 0.479 0.631 0.796 0.963 1.153 1.294 1.507 1.749 39 0.528 0.713 0.895 1.078 1.284 1.446 1.677 1.934 40 0.578 0.786 0.986 1.189 1.406 1.571 1.818 2.098 41 0.626 0.856 1.085 1.301 1.532 1.702 1.960 2.260 42 0.685 0.948 1.199 1.435 1.685 1.870 2.153 2.480 43 0.730 1.015 1.286 1.534 1.805 2.004 2.302 2.650 44 0.774 1.078 1.366 1.636 1.919 2.132 2.450 2.807 45 0.820 1.140 1.447 1.741 2.043 2.270 2.602 2.968 46 0.860 1.199 1.529 1.852 2.187 2.421 2.767 3.157 47 0.900 1.269 1.626 1.977 2.348 2.594 2.958 3.376 48 0.937 1.344 1.737 2.114 2.530 2.805 3.197 3.641 49 0.976 1.426 1.853 2.264 2.727 3.038 3.468 3.948 50 1.013 1.513 1.972 2.420 2.924 3.270 3.748 4.266 51 1.076 1.636 2.149 2.639 3.183 3.577 4.107 4.671 52 1.141 1.768 2.332 2.857 3.438 3.869 4.442 5.027 53 1.212 1.902 2.511 3.068 3.686 4.127 4.712 5.334 54 1.293 2.038 2.691 3.281 3.923 4.344 4.948 5.626 55 1.376 2.187 2.890 3.504 4.146 4.563 5.195 5.907 56 1.477 2.355 3.109 3.738 4.385 4.812 5.468 6.217 57 1.601 2.552 3.349 4.004 4.666 5.106 5.795 6.575 58 1.745 2.777 3.635 4.332 5.016 5.479 6.201 7.008 59 1.908 3.035 3.973 4.711 5.442 5.929 6.683 7.502 60 2.089 3.328 4.340 5.125 5.928 6.432 7.212 8.046 61 2.302 3.633 4.718 5.568 6.438 6.955 7.763 8.627 62 2.538 3.937 5.091 6.027 6.935 7.476 8.322 9.234 63 2.796 4.284 5.501 6.487 7.412 7.967 8.851 9.813 64 3.081 4.690 5.956 6.945 7.886 8.447 9.360 10.376 65 3.391 5.104 6.418 7.396 8.370 8.940 9.895 10.992 66 3.717 5.490 6.840 7.833 8.865 9.476 10.511 11.724 67 4.068 5.809 7.176 8.245 9.382 10.084 11.250 12.625 68 4.437 6.073 7.443 8.627 9.923 10.785 12.157 13.833 69 4.826 6.316 7.680 8.985 10.488 11.576 13.303 15.280 70 5.226 6.525 7.884 9.315 11.062 12.506 14.598 16.917 71 5.598 6.979 8.418 9.927 11.840 13.376 15.597 18.063 72 5.987 7.451 8.970 10.628 12.667 14.294 16.658 19.277 73 6.384 7.931 9.592 11.354 13.517 15.244 17.750 20.527 74 6.686 8.343 10.080 11.919 14.182 15.984 18.598 21.486 75 6.907 8.610 10.394 12.283 14.605 16.447 19.118 22.073 76 7.048 8.777 10.589 12.506 14.857 16.715 19.418 22.402 77 7.179 8.934 10.771 12.712 15.086 16.962 19.690 22.694 78 7.456 9.273 11.172 13.171 15.621 17.551 20.354 23.443 79 7.923 9.846 11.850 13.961 16.546 18.573 21.523 24.770 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------ ------ ------- 0 0.142 0.130 0.125 0.123 0.130 0.164 0.201 0.257 15 1 0.129 0.126 0.125 0.131 0.166 0.203 0.259 0.310 16 2 0.125 0.126 0.133 0.167 0.205 0.262 0.314 0.364 17 3 0.125 0.134 0.169 0.207 0.265 0.317 0.368 0.398 18 4 0.134 0.171 0.209 0.267 0.320 0.372 0.402 0.432 19 5 0.170 0.212 0.270 0.323 0.375 0.406 0.436 0.443 20 6 0.211 0.273 0.327 0.379 0.410 0.440 0.447 0.536 21 7 0.272 0.330 0.383 0.415 0.445 0.452 0.531 0.524 22 8 0.328 0.387 0.419 0.449 0.456 0.526 0.519 0.516 23 9 0.385 0.423 0.454 0.461 0.522 0.515 0.512 0.514 24 10 0.415 0.459 0.466 0.516 0.510 0.507 0.509 0.506 25 11 0.450 0.470 0.511 0.505 0.502 0.505 0.502 0.504 26 12 0.462 0.506 0.500 0.498 0.500 0.497 0.499 0.493 27 13 0.497 0.494 0.493 0.495 0.493 0.495 0.489 0.522 28 14 0.485 0.487 0.490 0.488 0.490 0.484 0.517 0.547 29 15 0.478 0.480 0.483 0.485 0.480 0.513 0.543 0.580 30 16 0.472 0.478 0.476 0.475 0.508 0.538 0.575 0.613 31 17 0.469 0.475 0.474 0.506 0.535 0.571 0.608 0.630 32 18 0.462 0.473 0.477 0.515 0.554 0.595 0.626 0.651 33 19 0.448 0.468 0.476 0.525 0.569 0.614 0.648 0.682 34 20 0.438 0.468 0.482 0.535 0.578 0.631 0.680 0.722 35 21 0.465 0.506 0.531 0.577 0.627 0.680 0.743 0.795 36 22 0.478 0.527 0.562 0.606 0.667 0.735 0.815 0.888 37 23 0.502 0.557 0.601 0.649 0.723 0.806 0.887 0.982 38 24 0.537 0.600 0.662 0.714 0.806 0.907 1.005 1.116 39 25 0.584 0.656 0.730 0.807 0.919 1.038 1.147 1.274 40 26 0.626 0.710 0.797 0.899 1.017 1.154 1.285 1.417 41 27 0.696 0.797 0.896 1.010 1.144 1.297 1.442 1.571 42 28 0.776 0.894 0.999 1.125 _.271 1.441 1.594 1.746 43 29 0.871 1.012 1.129 1.261 _.418 1.591 1.762 1.942 44 30 0.987 1.144 1.274 1.417 1.577 1.762 1.950 2.160 45 31 1.099 1.271 1.414 1.568 1.744 1.949 2.155 2.383 46 32 1.195 1.385 1.535 1.708 1.900 2.118 2.338 2.595 47 33 1.290 1.494 1.667 1.863 2.087 2.335 2.596 2.895 48 34 1.387 1.602 1.803 2.025 2.285 2.579 2.881 3.249 49 35 1.515 1.743 1.963 2.203 2.494 2.823 3.158 3.578 50 36 1.651 1.895 2.127 2.392 2.718 3.085 3.461 3.891 51 37 1.803 2.058 2.309 2.597 2.950 3.356 3.766 4.180 52 38 1.997 2.281 2.541 2.847 3.217 3.644 4.089 4.495 53 39 2.216 2.523 2.805 3.135 3.532 3.997 4.506 4.950 54 40 2.402 2.742 3.036 3.374 3.788 4.285 4.858 5.368 55 41 2.596 2.965 3.284 3.655 4.108 4.670 5.321 5.980 56 42 2.850 3.254 3.607 4.022 4.521 5.127 5.852 6.652 57 43 3.029 3.481 3.889 4.372 4.930 5.601 6.411 7.353 58 44 3.195 3.704 4.190 4.742 5.380 6.130 7.010 8.051 59 45 3.375 3.944 4.503 5.140 5.870 6.699 7.635 8.750 60 46 3.593 4.197 4.831 5.557 6.387 7.282 8.305 9.519 61 47 3.869 4.488 5.168 5.950 6.823 7.785 8.895 10.138 62 48 4.188 4.813 5.518 6.323 7.256 8.318 9.519 10.836 63 49 4.525 5.160 5.861 6.696 7.711 8.866 10.169 11.598 64 50 4.848 5.487 6.220 7.143 8.266 9.563 11.049 12.680 65 51 5.257 5.935 6.727 7.721 8.935 10.371 12.019 13.823 66 52 5.646 6.395 7.248 8.320 9.643 11.216 13.018 14.987 67 53 6.030 6.838 7.773 8.944 10.380 12.069 14.026 16.180 68 54 6.393 7.275 8.305 9.598 11.137 12.939 15.042 17.316 69 55 6.756 7.721 8.863 10.273 11.926 13.847 16.108 18.463 70 56 7.123 8.189 9.443 10.977 12.756 14.814 17.236 19.823 71 57 7.508 8.685 10.056 11.721 13.642 15.850 18.450 21.318 72 58 7.941 9.220 10.700 12.494 14.568 16.958 19.763 22.834 73 59 8.457 9.801 11.376 13.285 15.530 18.134 21.159 24.443 74 60 9.042 10.430 12.087 14.113 16.536 19.369 22.631 26.313 75 61 9.674 11.100 12.893 15.106 17.803 20.991 24.780 28.997 76 62 10.334 11.821 13.757 16.173 19.159 22.840 27.097 31.900 77 63 10.982 12.546 14.700 17.417 20.937 25.187 30.102 35.829 78 64 11.632 13.286 15.622 18.699 22.601 27.306 32.760 39.236 79 65 12.358 14.117 16.806 20.271 24.663 30.003 36.215 43.590 80 66 13.223 15.190 18.122 21.891 26.669 32.479 39.262 47.111 81 67 14.376 16.507 19.764 23.933 29.203 35.622 43.183 51.857 82 68 15.813 18.116 21.654 26.106 31.697 38.504 46.632 55.861 83 69 17.510 20.009 23.923 28.750 34.755 42.109 51.032 61.441 84 70 19.433 22.136 26.458 31.646 38.065 45.943 55.664 67.518 85 71 20.737 23.605 28.390 34.156 41.292 50.051 60.884 74.113 86 72 22.116 25.146 30.554 37.085 45.165 55.118 67.444 82.526 87 73 23.525 26.731 32.809 40.149 49.255 60.477 74.406 92.245 88 74 24.607 27.942 34.503 42.444 52.300 64.456 80.209 99.744 89 75 25.262 28.656 35.610 44.031 54.480 67.942 84.831 105.789 90 76 25.613 29.034 36.051 44.542 55.535 69.232 86.408 107.702 91 77 25.928 29.368 36.439 45.365 56.540 70.458 87.895 109.510 92 78 26.762 30.290 37.871 47.130 58.717 73.135 91.197 114.632 93 79 28.256 32.225 40.276 50.103 62.391 77._79 97.722 122.835 94
VANGUARD 100 SERIES - 134 PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE SMOKER MALE - ANB POLICY FEE $12.50
POLICY YEAR ISSUE ------------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ----- ----- ----- -------- 0 7.63 1.90 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .86 1.12 15 ------------------------------------------------------------------------------------------------------------------ 1 1.90 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.12 1.39 16 2 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.39 1.69 17 3 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.69 1.99 18 ------------------------------------------------------------------------------------------------------------------ 4 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 1.99 2.26 19 5 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.26 2.42 20 ------------------------------------------------------------------------------------------------------------------ 6 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.42 2.48 21 7 .70 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.48 2.53 22 8 .65 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.53 2.60 23 ------------------------------------------------------------------------------------------------------------------ 9 .61 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.60 2.69 24 10 .60 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.69 2.76 25 ------------------------------------------------------------------------------------------------------------------ 11 .60 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.76 2._6 26 12 .62 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.78 2.66 2.52 27 13 .74 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.78 2.68 2.52 2.56 28 ------------------------------------------------------------------------------------------------------------------ 14 .87 1.13 1.40 1.71 2.01 2.28 2.44 2.50 2.56 2.63 2.72 2.79 2.69 2.54 2.56 2.57 29 15 1.11 1.39 1.68 1.96 2.21 2.40 2.50 2.56 2.63 2.70 2.79 2.69 2.54 2.58 2.57 2.60 30 ------------------------------------------------------------------------------------------------------------------ 16 1.39 1.68 1.89 2.12 2.31 2.46 2.56 2.63 2.70 2.79 2.66 2.54 2.58 2.59 2.60 2.62 31 17 1.66 1.87 2.05 2.21 2.40 2.50 2.59 2.68 2.76 2.66 2.54 2.58 2.59 2.62 2.62 2.58 32 18 1.76 1.96 2.12 2.28 2.45 2.50 2.58 2.69 2.62 2.54 2.45 2.51 2.56 2.61 2.58 2.56 33 ------------------------------------------------------------------------------------------------------------------ 19 1.78 1.99 2.15 2.29 2.41 2.45 2.55 2.48 2.43 2.41 2.34 2.44 2.51 2.57 2.56 2.58 34 20 1.74 1.97 2.14 2.26 2.36 2.36 2.34 2.27 2.28 2.30 2.25 2.37 2.43 2.53 2.58 2.52 35 ------------------------------------------------------------------------------------------------------------------ 21 1.69 1.95 2.13 2.22 2.28 2.13 2.14 2.12 2.15 2.19 2.21 2.30 2.40 2.51 2.62 2.73 36 22 1.66 1.93 2.13 2.21 2.13 2.03 2.01 2.00 2.05 2.11 2.17 2.25 2.38 2.54 2.71 2.88 37 23 1.67 1.92 2.14 2.08 2.03 1.95 1.94 1.95 1.99 2.07 2.16 2.26 2.44 2.65 2.83 3.06 38 ------------------------------------------------------------------------------------------------------------------ 24 1.64 1.90 1.99 1.98 1.95 1.90 1.88 1.91 1.97 2.07 2.20 2.31 2.55 2.80 3.02 3.28 39 25 1.64 1.76 1.87 1.88 1.90 1.86 1.87 1.92 1.99 2.10 2.26 2.45 2.72 3.01 3.24 3.54 40 ------------------------------------------------------------------------------------------------------------------ 26 1.54 1.66 1.77 1.80 1.85 1.86 1.88 1.94 2.02 2.15 2.36 2.60 2.87 3.19 3.46 3.75 41 27 1.50 1.59 1.69 1.76 1.83 1.87 1.92 1.99 2.10 2.27 2.49 2.75 3.05 3.40 3.69 3.97 42 28 1.50 1.58 1.68 1.76 1.84 1.91 1.98 2.08 2.23 2.42 2.65 2.92 3.23 3.60 3.89 4.21 43 ------------------------------------------------------------------------------------------------------------------ 29 1.52 1.60 1.68 1.78 1.89 1.97 2.07 2.21 2.38 2.61 2.85 3.11 3.44 3.80 4.11 4.47 44 30 1.56 1.64 1.74 1.83 1.94 2.06 2.19 2.36 2.57 2.80 3.06 3.33 3.65 4.01 4.34 4.75 45 ------------------------------------------------------------------------------------------------------------------ 31 1.59 1.71 1.79 1.91 2.03 2.18 2.34 2.51 2.76 3.01 3.27 3.56 3.88 4.26 4.59 5.10 46 32 1.62 1.74 1.86 1.98 2.13 2.30 2.49 2.69 2.96 3.23 3.50 3.80 4.14 4.53 4.95 5.49 47 33 1.60 1.76 1.90 2.07 1.97 2.44 2.66 2.87 3.14 3.44 3.73 4.05 4.42 4.91 5.37 5.95 48 ------------------------------------------------------------------------------------------------------------------ 34 1.57 1.77 1.96 2.16 2.38 2.60 2.83 3.06 3.34 3.64 3.96 4.31 4.79 5.33 5.82 6.49 49 35 1.56 1.80 2.03 2.28 2.52 2.76 2.99 3.24 3.54 3.85 4.19 4.64 5.18 5.78 6.32 7.07 50 ------------------------------------------------------------------------------------------------------------------ 36 1.56 1.86 2.14 2.42 2.70 2.95 3.22 3.48 3.79 4.11 4.54 5.04 5.64 6.31 6.92 7.70 51 37 1.60 1.94 2.27 2.60 2.90 3.17 3.45 3.74 4.06 4.46 4.93 5.47 6.12 6.87 7.55 8.30 52 38 1.67 2.06 2.45 2.80 3.12 3.41 3.70 4.01 4.41 4.85 5.34 5.92 6.61 7.42 8.20 8.96 53 ------------------------------------------------------------------------------------------------------------------ 39 1.77 2.23 2.64 3.02 3.35 3.66 3.97 4.36 4.80 5.26 5.78 6.39 7.13 8.00 8.87 9.69 54 40 1.90 2.41 2.85 3.26 3.59 3.91 4.30 4.72 5.20 5.71 6.25 6.88 7.67 8.61 9.59 10.55 55 ------------------------------------------------------------------------------------------------------------------ 41 2.01 2.57 3.08 3.50 3.85 4.23 4.64 5.09 5.62 6.17 6.75 7.43 8.25 9.27 10.36 11.64 56 42 2.12 2.74 3.27 3.72 4.15 4.56 5.00 5.47 6.05 6.65 7.29 8.03 8.91 10.01 11.29 12.71 57 ------------------------------------------------------------------------------------------------------------------ 5/17/1982
VANGUARD 100 SERIES - 134 PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE SMOKER MALE - ANB POLICY FEE $12.50
POLICY YEAR ISSUE ------------------------------------------------------ AGE 1 2 3 4 5 6 7 8 ----- ----- ----- ----- ----- ----- ----- ----- ----- 43 2.22 2.88 3.45 3.98 4.45 4.89 5.34 5.85 ------------------------------------------------------------- 44 2.31 3.01 3.67 4.25 4.74 5.21 5.69 6.21 45 2.40 3.19 3.90 4.53 5.05 5.55 6.06 6.59 ------------------------------------------------------------- 46 2.53 3.36 4.12 4.83 5.41 5.94 6.47 7.03 47 2.65 3.56 4.39 5.16 5.82 6.39 6.94 7.54 48 2.76 3.78 4.70 5.54 6.30 6.93 7.52 8.17 ------------------------------------------------------------- 49 2.89 4.02 5.03 5.96 6.82 7.53 8.20 8.96 50 3.00 4.28 5.3_ 6.40 7.34 8.15 8.97 9.73 ------------------------------------------------------------- 51 3.13 4.54 5.76 6.84 7.86 8.83 9.65 10.55 52 3.26 4.82 6.13 7.28 8.41 9.38 10.34 11.30 53 3.40 5.09 6.49 7.75 8.85 9.91 10.92 11.85 ------------------------------------------------------------- 54 3.56 5.36 6.__ 8.14 9.34 10.3_ 11.33 12.43 55 3.72 5.69 7.26 8._1 9.82 10.78 11.83 12.__ ------------------------------------------------------------- 56 3.95 6.02 7.74 9.14 10.26 11.30 12.39 13.49 57 4.19 6.45 8.29 9.67 10.85 11.93 12.96 14.21 58 4.52 6.98 8.88 10.39 11.60 12.64 13.81 15.08 ------------------------------------------------------------- 59 4.90 7.53 9.64 11.24 12.42 13.61 14.81 15.96 60 5.29 8.19 10.47 12.06 13.46 14.70 15.80 17.08 ------------------------------------------------------------- 61 5.79 8.89 11.23 13.04 14.56 15.71 16.98 18.14 62 6.33 9.50 12.06 14.05 15.50 16.86 18.03 19.42 63 6.87 10.28 12.97 14.95 16.54 17.79 19.18 20.68 ------------------------------------------------------------- 64 7.53 11.20 13.88 15.98 17.43 18.87 20.33 21.75 65 8.24 12.05 14.93 16.85 18.50 20.01 21.37 23.17 ------------------------------------------------------------- 66 8.92 12.93 15.76 17.85 19.64 21.10 22.83 24.88 67 9.73 13.55 16.54 18.83 20.67 22.57 24.60 26.76 68 10.50 14.17 17.19 19.60 21.98 24.31 26.55 29.44 ------------------------------------------------------------- 69 11.42 14.77 17.6_ 20.52 23.39 26.0_ 29.17 32.99 70 12.38 15.17 18.22 21.43 24.65 28.27 32.4_ 37.11 ------------------------------------------------------------- 71 13.17 16.29 19.56 22.79 26.46 30.65 35.21 40.24 72 14.11 17.46 20.76 24.42 28.64 33.18 38.13 43.56 73 15.03 18.42 22.11 26.28 30.82 35.70 41.03 46.89 ------------------------------------------------------------- 74 15.78 19.53 23.67 28.14 33.00 38.23 43.93 50.21 75 16.65 20.81 25.23 29.99 35.18 40.76 46.84 53.53 ------------------------------------------------------------- 76 17.67 22.10 26.79 31.85 37.35 43.29 49.75 56.85 77 18.69 23.38 28.35 33.70 39.53 45.81 52.66 60.18 78 19.73 24.66 29.91 35.56 41.72 48.34 55.56 63.50 ------------------------------------------------------------- 79 20.75 25.95 31.47 37.41 43.89 50.87 58.46 66.82 80 21.77 27.23 33.02 39.27 46.07 53.40 61.38 70.14 ------------------------------------------------------------- POLICY YEAR ISSUE ------------------------------------------------------------ ATTAINED AGE 9 10 11 12 13 14 15 16+ AGE ----- ----- ----- ------ ------ ------ ------ ------ ------ -------- 43 6.44 7.13 7.85 8.68 9.65 10.90 12.19 13.92 58 ----------------------------------------------------------------------------- 44 6.82 7.61 8.44 9.38 10.54 11.80 13.25 15.17 59 45 7.22 8.12 9.07 10.21 11.42 12.87 14.42 16.29 60 ----------------------------------------------------------------------------- 46 7.71 8.68 9.81 11.00 12.44 14.02 15.55 17.61 61 47 8.33 9.39 10.53 11.92 13.51 15.13 16.92 19.08 62 48 9.13 10.11 11.39 12.89 14.51 16.43 18.42 20.59 63 ----------------------------------------------------------------------------- 49 9.90 10.98 12.31 13.79 15.68 17.83 19.87 22.45 64 50 10.75 11.88 13.16 14.85 16.92 19.13 21.58 24.44 65 51 11.60 12.69 14.14 15.97 18.05 20.65 23.38 26.35 66 52 12.31 13.60 15.16 16.99 19.40 22.24 25.04 28.52 67 53 13.07 14.46 16.05 18.18 20.80 23.67 26.93 30.50 68 ----------------------------------------------------------------------------- 54 13.7_ 15.19 17.07 19.43 22.0_ 25.34 28.61 32._6 69 55 14.38 16.05 18.14 20.57 23._9 2_.__ 30.__ 34.91 70 ----------------------------------------------------------------------------- 56 15.10 16.96 19.11 21.94 24.99 28.75 32.88 37.28 71 57 15.85 17.7_ 20.32 23.21 26.74 30.83 35.01 40.32 72 58 16.58 18.85 21.42 24.75 28.62 32.81 37.71 43.49 73 ----------------------------------------------------------------------------- 59 17.63 19.84 22.78 26.38 30.35 35.28 40.67 46.51 74 60 18.67 21.13 24.26 27.87 32.49 37.96 43.45 50.29 75 ----------------------------------------------------------------------------- 61 19.98 22.53 25.64 29.77 34.83 40.46 46.87 54.98 76 62 21.38 23.87 27.40 31.85 37.02 43.55 51.06 60.09 77 63 22.60 25.47 29.26 33.75 39.72 47.33 55.57 65.72 78 ----------------------------------------------------------------------------- 64 24.07 27.16 30.95 36.12 43.05 51.39 60.41 71.71 79 65 25.75 28.83 33.18 39.15 46.71 55.82 65.64 77.88 80 ----------------------------------------------------------------------------- 66 27.52 31.15 36.18 42.65 50.81 60.63 71.25 84.13 81 67 30.04 34.35 39.79 46.73 55.44 65.90 77.30 90.91 82 68 33.53 38.30 44.16 51.49 60.64 71.66 83.79 98.12 83 ----------------------------------------------------------------------------- 69 37.72 43.00 49.26 56.93 66.41 77.88 90.71 106.35 84 70 42.56 48.40 55.07 62.99 72.72 84.56 98.07 115.39 85 ----------------------------------------------------------------------------- 71 46.15 52.50 59.73 68.32 78.88 91.72 106.39 125.31 86 72 49.97 56.83 64.67 73.97 85.41 99.33 115.20 136.11 87 73 53.78 61.18 69.61 79.63 91.94 106.92 124.01 147.62 88 ----------------------------------------------------------------------------- 74 57.59 65.51 74.5_ 85.28 98.47 114.51 132.82 157.54 89 75 61.41 69.85 79.49 90.93 105.00 122.11 141.64 165.12 90 ----------------------------------------------------------------------------- 76 65.22 74.19 84.43 96.59 111.53 129.70 150.44 171.10 91 77 69.04 78.53 89.37 102.23 118.06 137.30 159.26 177.15 92 78 72.85 82.87 94.31 107.89 124.59 144.90 168.07 187.15 93 ----------------------------------------------------------------------------- 79 76.67 87.21 99.26 113.55 131.12 152.50 176.89 202.39 94 80 80.48 91.56 104.19 119.20 137.65 160.09 185.69 217.91 95 ----------------------------------------------------------------------------- 227.54 96 238.15 97 248.97 98 ----------------------------------------------------------------------------- 260.01 99 ----------------------------------------------------------------------------- 5/17/1982
VANGUARD 100 SERIES - 136 PREMIUMS PER $1000 0F YEARLY RENEWABLE TERM INSURANCE NONSMOKER MALE - ANB POLICY FEE 12.50
POLICY YEAR ISSUE ---------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- ---- -------- 0 7.63 1.90 1.2_ 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .86 1.01 15 --------------------------------------------------------------------------------------------------------------- 1 1.90 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.01 1.13 16 2 1.28 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.13 1.25 17 3 1.03 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.25 1.32 18 --------------------------------------------------------------------------------------------------------------- 4 .88 .81 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.32 1.36 19 5 .81 .74 .70 .6_ .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1._6 1.32 20 --------------------------------------------------------------------------------------------------------------- 6 .74 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.32 1.23 21 7 .70 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.23 1.14 22 8 .65 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.14 1.07 23 --------------------------------------------------------------------------------------------------------------- 9 .61 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.07 .99 24 10 .60 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 .99 .92 25 --------------------------------------------------------------------------------------------------------------- 11 .60 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .92 .92 26 12 .62 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .93 .92 .90 27 13 .74 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .93 .92 .90 .93 28 --------------------------------------------------------------------------------------------------------------- 14 .87 1.02 1.14 1.26 1.34 1.37 1.33 1.24 1.15 1.08 1.00 .93 .92 .90 .93 .95 29 15 1.01 1.13 1.24 1.31 1.33 1.31 1.24 1.15 1.08 .99 .93 .93 .90 .94 .95 .99 30 --------------------------------------------------------------------------------------------------------------- 16 1.13 1.24 1.26 1.28 1.26 1.22 1.15 1.08 1.00 .93 .92 .90 .94 .96 .99 1.02 31 17 1.23 1.25 1.24 1.21 1.19 1.13 1.07 .99 .93 .92 .90 .94 .96 .99 1.02 1.03 32 18 1.18 1.19 1.17 1.14 1.11 1.03 .96 .91 .90 .90 .90 .93 .97 1.01 1.03 1.04 33 --------------------------------------------------------------------------------------------------------------- 19 1.09 1.10 1.08 1.05 1.00 .91 .86 .86 .87 .88 .88 .93 .98 1.02 1.04 1.07 34 20 .98 1.00 .99 .95 .89 .81 .82 .82 .84 .87 .87 .93 .97 1.03 1.07 1.11 35 --------------------------------------------------------------------------------------------------------------- 21 .87 .91 .90 .84 .79 .76 .78 .79 .82 .85 .88 .93 .98 1.05 1.11 1.18 36 22 .79 .83 .81 .77 .76 .75 .76 .77 .81 .84 .88 .93 1.00 1.08 1.17 1.27 37 23 .73 .75 .75 .75 .75 .74 .75 .77 .80 .85 .90 .95 1.04 1.15 1.25 1.37 38 --------------------------------------------------------------------------------------------------------------- 24 .66 .68 .72 .73 .74 .74 .75 .78 .81 .87 .93 1.00 1.11 1.24 1.35 1.50 39 25 .61 .65 .70 .72 .74 .74 .76 .79 .84 .90 .98 1.07 1.21 1.35 1.48 1.65 40 --------------------------------------------------------------------------------------------------------------- 26 .59 .64 .68 .71 .74 .7_ .78 .82 .87 .94 1.04 1.16 1.29 1.46 1.61 1.78 41 27 .59 .63 .67 .71 .75 .78 .81 .86 .92 1.00 1.11 1.24 1.40 1.58 1.75 1.93 42 28 .60 .64 .68 .73 .77 .81 .85 .91 .99 1.09 1.20 1.34 1.51 1.71 1.89 2.09 43 --------------------------------------------------------------------------------------------------------------- 29 .62 .66 .70 .75 .80 .85 .91 .98 1.07 1.19 1.31 1.46 1.64 1.84 2.04 2.26 44 30 .64 .69 .73 .78 .84 .90 .97 1.06 1.17 1.30 1.44 1.59 1.78 1.99 2.20 2.46 45 --------------------------------------------------------------------------------------------------------------- 31 .67 .72 .77 .83 .89 .97 1.05 1.15 1.28 1.42 1.57 1.74 1.93 2.16 2.38 2.70 46 32 .69 .75 .81 .87 .95 1.04 1.14 1.25 1.39 1.55 1.71 1.89 2.10 2.35 2.62 2.98 47 33 .70 .77 .84 .92 .91 1.12 1.24 1.36 1.51 1.68 1.86 2.06 2.30 2.60 2.91 3.30 48 --------------------------------------------------------------------------------------------------------------- 34 .70 .79 .88 .98 1.10 1.21 1.34 1.47 1.64 1.82 2.02 2.24 2.54 2.89 3.23 3.68 49 35 .71 .82 .93 1.05 1.18 1.31 1.44 1.59 1.77 1.96 2.18 2.47 2.81 3.21 3.59 4.11 50 --------------------------------------------------------------------------------------------------------------- 36 .73 .86 .99 1.14 1.28 1.42 1.5_ 1.74 1.93 2.14 2.42 2.74 3.13 3.59 4.03 4.59 51 37 .76 .91 1.07 1.24 1.40 1.56 1.73 1.91 2.12 2.37 2.68 3.04 3.48 4.00 4.50 5.07 52 38 .80 .98 1.17 1.36 1.54 1.71 1.89 2.09 2.35 2.64 2.97 3.37 3.85 4.43 5.01 5.62 53 --------------------------------------------------------------------------------------------------------------- 39 .86 1.08 1.29 1.49 1.68 1.87 2.07 2.32 2.61 2.93 3.29 3.72 4.25 4.89 5.56 6.23 54 40 .93 1.18 1.41 1.64 1.84 2.04 2.29 2.57 2.90 3.25 3.64 4.11 4.69 5.40 6.17 6.96 55 --------------------------------------------------------------------------------------------------------------- 41 1.01 1.28 1.55 1.79 2.01 2.26 2.53 2.83 3.20 3.60 4.03 4.55 5.18 5.97 6.84 7.82 56 42 1.08 1.39 1.68 1.95 2.22 2.49 2.78 3.12 3.53 3.97 4.46 5.04 5.74 6.61 7.59 8.78 57 --------------------------------------------------------------------------------------------------------------- 5/18/1982
VANGUARD 100 SERIES - 136 PREMIUMS PER $1000 0F YEARLY RENEWABLE TERM INSURANCE NONSMOKER MALE - ANB POLICY FEE 12.50
POLICY YEAR ISSUE ------------------------------------------------------ AGE 1 2 3 4 5 6 7 8 ----- ----- ----- ----- ----- ----- ----- ----- ----- 43 1.15 1.49 1.81 2.13 2.43 2.73 3.05 3.42 ------------------------------------------------------------- 44 1.22 1.60 1.97 2.32 2.65 2.97 3.33 3.72 45 1.29 1.72 2.14 2.53 2.89 3.25 3.63 4.04 ------------------------------------------------------------- 46 1.39 1.86 2.31 2.76 3.17 3.56 3.97 4.42 47 1.48 2.01 2.52 3.02 3.49 3.92 4.37 4.87 48 1.58 2.18 2.76 3.32 3.87 4.36 4.85 5.41 ------------------------------------------------------------- 49 1.69 2.37 3.03 3.66 4.29 4.80 5.43 6.04 50 1.80 2.59 3.32 4.03 4.74 5.40 6.05 6.73 ------------------------------------------------------------- 51 1.91 2.81 3.64 4.42 5.20 5.95 6.68 7.44 52 2.04 3.06 3.97 4.83 5.67 6.49 7.29 8.03 53 2.18 3.31 4.31 5.23 6.13 6.99 7.76 8.64 ------------------------------------------------------------- 54 2.33 3._7 4.66 5.64 6.59 7.38 8.27 9.24 55 2.50 3.86 5.04 6.08 6.98 7.87 8.80 9.84 ------------------------------------------------------------- 56 2.70 4.19 5.47 6.50 7.49 8.41 9.3_ 10.51 57 2.94 4.57 5.90 7.06 8.08 9.05 10.10 11.28 58 3.22 4.98 6.49 7.74 8.80 9.85 10.97 12.21 ------------------------------------------------------------- 59 3.52 5.51 7.18 8.52 9.68 10.81 11.99 13.14 60 3.89 6.11 7.95 9.40 10.70 11.90 13.02 14.34 ------------------------------------------------------------- 61 4.33 6.75 8.76 10.36 11.79 12.94 14.26 15.67 62 4.82 7.42 9.58 11.38 12.77 14.15 15.57 17.11 63 5.38 8.18 10.51 12.31 13.89 15.37 16.89 18.58 ------------------------------------------------------------- 64 6.00 9.08 11.44 13.42 15.05 16.62 18.26 20.11 65 6.69 9.93 12.54 14.56 16.30 17.98 19.76 21.62 ------------------------------------------------------------- 66 7.36 10.86 13.62 15.73 17.64 19.50 21.30 23.68 67 8.18 11.71 14.57 16.92 19.11 21.06 23.41 26.23 68 9.08 12.49 15.44 18.12 20.52 23.14 26.03 29.44 ------------------------------------------------------------- 69 10.07 13.27 16.32 19.16 22.27 25.54 29.17 32.99 70 11.13 14.03 17.00 20.40 24.16 2_.27 32.48 37.11 ------------------------------------------------------------- 71 12.18 15.21 18.62 22.34 26.46 30.65 35.21 40.24 72 13.18 16.62 20.35 24.42 28.64 33.18 38.13 43.56 73 14.31 18.06 22.11 26.28 30.82 35.70 41.03 46.89 ------------------------------------------------------------- 74 15.47 19.53 23.67 28.14 33.00 38.23 43.93 50.21 75 16.65 20.81 25.23 29.99 35.18 40.76 46.84 53.53 ------------------------------------------------------------- 76 17.67 22.10 26.79 31.85 37.35 43.29 49.75 56.85 77 18.69 23.38 38.35 33.70 39.53 45.81 52.66 60.18 78 19.73 24.66 29.91 35.56 41.72 48.34 55.56 63.50 ------------------------------------------------------------- 79 20.75 25.95 31.47 37.41 43.89 50.87 58.4_ 66.82 80 21.77 27.23 33.02 39.27 46.07 53.40 61.38 70.14 ------------------------------------------------------------- POLICY YEAR ISSUE ------------------------------------------------------------ ATTAINED AGE 9 10 11 12 13 14 15 16+ AGE ----- ----- ----- ------ ------ ------ ------ ------ ------ -------- 43 3.85 4.37 4.93 5.59 6.38 7.34 8.42 9.79 58 ----------------------------------------------------------------------------- 44 4.18 4.78 5.44 6.20 7.09 8.15 9.33 10.75 59 45 4.54 5.24 6.00 6.87 7.89 9.06 10.22 11.86 60 ----------------------------------------------------------------------------- 46 4.97 5.74 6.61 7.60 8.76 9.94 11.33 13.08 61 47 5.52 6.32 7.28 8.40 9.58 11.02 12.56 14.44 62 48 6.15 6.99 8.02 9.14 10.58 12.20 13.94 16.02 63 ----------------------------------------------------------------------------- 49 6.85 7.73 8.74 10.06 11.65 13.49 15.46 17.81 64 50 7.58 8.43 9._9 11.04 12.81 14.88 17.12 19.76 65 ----------------------------------------------------------------------------- 51 8.24 9.26 10.51 12.09 14.05 16.38 18.90 21.68 66 52 8.9_ 10.11 11.48 13.23 15.39 17.99 20.60 23.93 67 53 9.72 10.96 12.50 14.43 16.82 19.48 22.60 26.33 68 ----------------------------------------------------------------------------- 54 10.45 11.83 13.55 15.72 18.16 21.26 24.70 28.75 69 55 11.20 12.75 14.68 16.93 19.80 23.19 26.99 31.34 70 ----------------------------------------------------------------------------- 56 11.99 13.72 15.74 18.42 21.58 25.31 29.52 34.45 71 57 12.83 14.64 17.06 20.04 23.55 27.68 32.36 37.62 72 58 13.65 15.82 18.50 21.79 25.70 30.33 35.19 41.39 73 ----------------------------------------------------------------------------- 59 14.80 17.14 20.07 23.69 28.05 32.92 38.70 45.59 74 60 16.12 18.61 21.79 25.76 30.32 36.12 42.59 50.29 75 ----------------------------------------------------------------------------- 61 17.60 20.24 23.70 27.78 33.15 39.67 46.87 54.98 76 62 19.21 22.06 25.57 30.31 36.29 43.55 51.06 60.09 77 63 20.89 23.77 27.85 33.08 39.72 47.33 55.57 65.72 78 ----------------------------------------------------------------------------- 64 22.46 25.85 30.34 36.12 43.05 51.39 60.41 71.71 79 65 24.51 28.26 33.18 39.15 46.71 55.82 65.64 77.88 80 ----------------------------------------------------------------------------- 66 26.98 31.15 36.18 42.65 50.81 60.63 71.25 84.13 81 67 30.04 34.35 39.79 46.73 55.44 65.90 77.30 90.91 82 68 33.53 38.30 44.16 51.49 60.64 71.66 83.79 98.12 83 ----------------------------------------------------------------------------- 69 37.72 43.00 49.26 56.93 66.41 77.88 90.71 106.35 84 70 42.56 48.40 55.07 62.99 72.72 84.56 98.07 115.39 85 ----------------------------------------------------------------------------- 71 46.15 52.50 59.73 68.32 78.88 91.72 106.39 125.31 86 72 49.97 56.83 64.67 73.97 85.41 99.33 115.20 136.11 87 73 53.78 61.18 69.61 79.63 91.94 106.92 124.01 147.62 88 ----------------------------------------------------------------------------- 74 57.59 65.51 74.56 85.28 98.47 114.51 132.82 157.54 89 75 61.41 69.85 79.49 90.93 105.00 122.11 141.64 165.12 90 ----------------------------------------------------------------------------- 76 65.22 74.19 84.43 96.59 111.53 129.70 150.44 171.10 91 77 69.04 78.53 89.37 102.23 118.06 137.30 159.26 177.15 92 78 72.85 82.87 94.31 107.89 124.59 144.90 168.07 187.15 93 ----------------------------------------------------------------------------- 79 76._7 87.21 99.26 113.55 131.12 152.50 176.89 202.39 94 80 80.48 91.56 104.19 119.20 137.65 160.09 185.69 217.91 95 ----------------------------------------------------------------------------- 227.54 96 238.15 97 248.97 98 ----------------------------------------------------------------------------- 260.01 99 ----------------------------------------------------------------------------- 5/18/9182
VANGUARD 100 PREMIUMS PER $1000 OF YEARLY RENEWABLE TERM INSURANCE SUBSTANDARD MALE ANB
POLICY YEAR ISSUE ------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- --- --- --- --- --- --- --- --- --- ---- ---- ---- ---- ---- ---- -------- 0 1.47 .34 .21 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 15 ------------------------------------------------------------------------------------------------------ 1 .34 .21 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 16 2 .21 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 17 3 .16 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 18 ------------------------------------------------------------------------------------------------------ 4 .13 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 19 5 .12 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 20 ------------------------------------------------------------------------------------------------------ 6 .11 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 21 7 .10 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .28 22 8 .09 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .28 .28 23 ------------------------------------------------------------------------------------------------------ 9 .08 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 24 10 .08 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 25 ------------------------------------------------------------------------------------------------------ 11 .08 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .26 26 12 .08 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .26 .25 27 13 .11 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .27 .25 .26 28 ------------------------------------------------------------------------------------------------------ 14 .13 .17 .20 .24 .27 .29 .30 .29 .29 .28 .28 .27 .27 .25 .26 .26 29 15 .17 .20 .24 .26 .28 .30 .29 .29 .28 .28 .27 .27 .25 .26 .26 .27 30 ------------------------------------------------------------------------------------------------------ 16 .20 .24 .25 .27 .28 .29 .29 .28 .28 .27 .26 .25 .26 .26 .27 .27 31 17 .23 .25 .26 .27 .28 .28 .28 .27 .27 .26 .25 .26 .26 .27 .27 .27 32 18 .23 .25 .26 .27 .27 .27 .26 .26 .26 .25 .25 .25 .26 .27 .27 .27 33 ------------------------------------------------------------------------------------------------------ 19 .22 .24 .25 .25 .26 .25 .25 .24 .24 .24 .24 .25 .26 .27 .27 .28 34 20 .21 .23 .24 .24 .24 .23 .23 .22 .23 .23 .23 .24 .26 .27 .28 .29 35 ------------------------------------------------------------------------------------------------------ 21 .19 .21 .22 .22 .22 .21 .21 .21 .22 .22 .23 .24 .25 .27 .29 .30 36 22 .18 .20 .21 .21 .21 .20 .20 .20 .21 .22 .22 .24 .26 .28 .30 .32 37 23 .17 .19 .20 .20 .20 .19 .19 .19 .20 .21 .23 .24 .26 .29 .32 .35 38 ------------------------------------------------------------------------------------------------------ 24 .16 .18 .19 .19 .19 .19 .19 .19 .20 .22 .23 .25 .28 .32 .35 .38 39 25 .15 .17 .18 .18 .19 .19 .19 .20 .21 .22 .24 .27 .31 .34 .38 .42 40 ------------------------------------------------------------------------------------------------------ 26 .14 .16 .17 .18 .18 .19 .19 .20 .21 .23 .26 .29 .33 .37 .41 .45 41 27 .14 .15 .16 .17 .18 .19 .20 .21 .22 .25 .28 .31 .35 .40 .44 .49 42 28 .14 .15 .16 .18 .19 .20 .21 .22 .24 .27 .30 .34 .38 .43 .48 .52 43 ------------------------------------------------------------------------------------------------------ 29 .15 .16 .17 .18 .19 .21 .22 .24 .26 .29 .33 .37 .41 .46 .51 .57 44 30 .15 .16 .18 .19 .20 .22 .24 .26 .29 .32 .36 .40 .45 .50 .55 .61 45 ------------------------------------------------------------------------------------------------------ 31 .16 .17 .18 .20 .22 .24 .26 .28 .32 .35 .39 .43 .48 .54 .59 .67 46 32 .16 .18 .19 .21 .23 .25 .28 .31 .35 .39 .43 .47 .52 .58 .65 .73 47 33 .16 .18 .20 .22 .21 .27 .31 .34 .37 .42 .46 .51 .57 .64 .71 .81 48 ------------------------------------------------------------------------------------------------------ 34 .16 .19 .21 .24 .27 .30 .33 .36 .41 .45 .50 .55 .63 .71 .79 .89 49 35 .16 .19 .22 .26 .29 .32 .36 .39 .44 .48 .54 .60 .69 .78 .87 .99 50 ------------------------------------------------------------------------------------------------------ 36 .16 .20 .24 .28 .31 .35 .39 .43 .48 .52 .59 .67 .76 .87 .97 1.10 51 37 .17 .21 .26 .30 .34 .38 .42 .47 .52 .58 .65 .74 .84 .96 1.07 1.20 52 38 .18 .23 .28 .33 .38 .42 .46 .51 .57 .64 .72 .81 .92 1.06 1.19 1.32 53 ------------------------------------------------------------------------------------------------------ 39 .20 .26 .31 .36 .41 .46 .51 .57 .64 .71 .79 .89 1.01 1.16 1.31 1.45 54 40 .21 .28 .34 .40 .45 .50 .56 .62 .70 .78 .87 .98 1.11 1.27 1.44 1.61 55 ------------------------------------------------------------------------------------------------------ 41 .23 .31 .38 .44 .49 .55 .61 .68 .77 .86 .96 1.07 1.21 1.39 1.58 1.79 56 42 .25 .33 .41 .47 .54 .60 .67 .75 .84 .94 1.05 1.18 1.33 1.52 1.74 1.99 57 ------------------------------------------------------------------------------------------------------ 5/18/1982
VANGUARD 100 PREMIUMS PER $1000 OF YEARLY RENFWABLE TERM INSURANCE SUBSTANDARD MALE ANB
POLICY YEAR ISSUE --------------------------------------------------------------------------------------------------------- ATTAINED AGE 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16+ AGE ----- ---- ---- ---- ---- ---- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- 43 .26 .36 .44 .52 .59 .66 .73 .81 .91 1.03 1.15 1.30 1.47 1.68 1.91 2.20 58 -------------------------------------------------------------------------------------------------------------------------- 44 .28 .38 .47 .56 .64 .71 .79 .88 .98 1.12 1.26 1.43 1.62 1.85 2.09 2.42 59 45 .30 .41 .51 .61 .69 .77 .86 .95 1.06 1.21 1.38 1.57 1.79 2.03 2.30 2.65 60 -------------------------------------------------------------------------------------------------------------------------- 46 .32 .44 .55 .66 .75 .84 .93 1.03 1.15 1.32 1.51 1.72 1.96 2.24 2.52 2.89 61 47 .34 .47 .60 .71 .82 .92 1.02 1.12 1.26 1.44 1.64 1.88 2.15 2.46 2.77 3.16 62 48 .36 .51 .65 .78 .91 1.01 1.12 1.24 1.40 1.58 1.80 2.05 2.35 2.69 3.05 3.47 63 -------------------------------------------------------------------------------------------------------------------------- 49 .38 .55 .71 .85 1.00 1.12 1.24 1.37 1.54 1.73 1.96 2.24 2.57 2.95 3.35 3.82 64 50 .40 .60 .77 .93 1.09 1.24 1.37 1.52 1.69 1.89 2._3 2.43 2.80 3.22 3.67 4.20 65 -------------------------------------------------------------------------------------------------------------------------- 51 .43 .64 .84 1.02 1.19 1.35 1.50 1.66 1.84 2.05 2.31 2.64 3.04 3.51 4.01 4.61 66 52 .45 .70 .91 1.10 1.29 1.46 1.63 1.80 1.99 2.22 2.50 2.86 3.29 3.82 4.38 5.04 67 53 .48 .75 .98 1.18 1.38 1.56 1.73 1.92 2.13 2.39 2.70 3.09 3.57 4.14 4.75 5.49 68 -------------------------------------------------------------------------------------------------------------------------- 54 .51 .80 1.05 1.26 1.47 1.65 1.83 2.03 2.27 2.55 2.90 3.33 3.85 4.47 5.14 5.93 69 55 .55 .86 1.12 1.35 1.56 1.74 1.93 2.14 2.41 2.72 3.11 3.59 4.16 4.83 5.57 6.40 70 -------------------------------------------------------------------------------------------------------------------------- 56 .59 .93 1.21 1.45 1.65 1.84 2.04 2.26 2.56 2.90 3.33 3.87 4.49 5.22 6.03 6.97 71 57 .64 1.00 1.31 1.56 1.77 1.96 2.17 2.40 2.71 3.10 3.58 4.17 4.85 5.65 6.54 7.61 72 58 .69 1.10 1.43 1.69 1.91 2.12 2.33 2.58 2.89 3.32 3.84 4.49 5.24 6.13 7.12 8.30 73 -------------------------------------------------------------------------------------------------------------------------- 59 .76 1.20 1.57 1.85 2.08 2.30 2.53 2.78 3.10 3.56 4.13 4.83 5.67 6.66 7.75 9.05 74 60 .84 1.33 1.72 2.02 2.28 2.51 2.75 3.00 3.34 3.82 4.44 5.20 6.13 7.23 8.45 9.88 75 -------------------------------------------------------------------------------------------------------------------------- 61 .93 1.45 1.88 2.20 2.49 2.73 2.98 3.25 3.61 4.12 4.78 5.61 6.64 7.87 9.12 10.81 76 62 1.03 1.58 2.04 2.40 2.70 2.96 3.23 3.51 3.91 4.45 5.16 6.06 7.19 8.56 10.04 11.82 77 63 1.14 1.73 2.21 2.60 2.90 3.18 3.47 3.78 4.21 4.79 5.57 6.55 7.80 9.30 10.93 12.93 78 -------------------------------------------------------------------------------------------------------------------------- 64 1.26 1.90 2.41 2.80 3.12 3.41 3.17 4.05 4.53 5.17 6.01 7.09 8.46 10.10 11.88 14.11 79 65 1.39 2.09 2.62 3.01 3.34 3.65 3.98 4.36 4.90 5.59 6.51 7.69 9.18 10.98 12.91 15.33 80 -------------------------------------------------------------------------------------------------------------------------- 66 1.54 2.26 2.82 3.23 3.58 3.93 4.29 4.73 5.34 6.11 7.10 8.38 9.99 11.93 14.02 16.56 81 67 1.69 2.42 2.99 3.44 3.85 4.24 4.67 5.19 5.89 6.74 7.81 9.18 10.90 12.97 15.21 17.90 82 68 1.86 2.55 3.13 3.65 4.13 4.62 5.15 5.77 6.58 7.52 8.67 10.12 11.93 14.10 16.50 19.32 83 -------------------------------------------------------------------------------------------------------------------------- 69 2.05 2.69 3.28 3.86 4.44 5.05 5.72 6.47 7.40 8.45 9.68 11.19 13.07 15.33 17.86 20.95 84 70 2.25 2.81 3.42 4.07 4.78 5.54 6.37 7.28 8.36 9.51 10.83 12.39 14.31 16.65 19.31 22.73 85 -------------------------------------------------------------------------------------------------------------------------- 71 2.44 3.05 3.71 4.41 5.18 6.01 6.91 7.90 9.07 10.32 11.75 13.44 15.53 18.06 20.95 24.69 86 72 2.64 3.31 4.02 4.78 5.61 6.51 7.48 8.56 9.82 11.18 12.72 14.56 16.82 19.56 22.69 26.82 87 73 2.84 3.56 4.32 5.15 6.04 7.01 8.06 9.21 10.57 12.03 13.70 15.67 18.10 21.06 24.43 29.09 88 -------------------------------------------------------------------------------------------------------------------------- 74 3.04 3.81 4.63 5.51 6.47 7._1 8.63 9.87 11.33 12.89 14.67 16.79 19.39 22.__ 26.17 31.05 89 75 3.25 4.07 4.94 5.88 6.90 8.00 9.20 10.52 12.08 13.75 15.65 17.90 20.68 24.06 27.91 32.55 90 -------------------------------------------------------------------------------------------------------------------------- 76 3.45 4.32 5.25 6.25 7.33 8.50 9.78 11.18 12.83 14.60 16.62 19.02 21.97 25.56 29.65 33.73 91 77 3.65 4.57 5.55 6.61 7.76 9.00 10.35 11.84 13.58 15.46 17.60 20.14 23.26 27.06 31.39 34.92 92 78 3.85 4.83 5.86 6.98 8.19 9.50 10.92 12.49 14.34 16.31 18.57 21.25 24.55 28.55 33.13 36.89 93 -------------------------------------------------------------------------------------------------------------------------- 79 4.06 5.08 6.17 7.34 8._2 10.00 11.50 13.15 15.09 17.17 19.55 22.37 25.84 30.05 34.87 39.90 94 80 4.26 5.33 6.48 7.71 9.05 10.50 12.07 13.80 15.84 18.03 20.52 23.48 27.12 31.55 36.61 42.96 95 -------------------------------------------------------------------------------------------------------------------------- 44.86 96 46.96 97 49.09 98 -------------------------------------------------------------------------------------------------------------------------- 51.27 99 -------------------------------------------------------------------------------------------------------------------------- 5/18/1982
AMENDMENT No. 8 This Amendment, effective January 1, 1994, between The Life Insurance Company of Virginia, (Reinsured referred to as you, your) and Transamerica Occidental Life Insurance Company, (Reinsurer referred to as we, us, our), is attached and becomes part of the Reinsurance Agreement (3935-3), dated March 1, 1988. 1. Schedule A is replaced by the attached Schedule A. 2. Exhibit I is replaced by the attached Exhibit I. 3. This Amendment does not alter, amend or modify the Reinsurance Agreement other than as stated in this Amendment. It is subject to all the terms and conditions of the Reinsurance Agreement together with all Amendments and supplements. Executed in duplicate by Executed in duplicate by THE LIFE INSURANCE TRANSAMERICA OCCIDENTAL COMPANY OF VIRGINIA INSURANCE COMPANY at Richmond, Virginia at Charlotte, North Carolina, on Dec 14,1993 on November 29,1993 By /s/ Illegible By /s/ Illegible ----------------------------- ----------------------------- Title: Illegible Second Vice President By /s/ Illegible By /s/ Illegible ----------------------------- ----------------------------- Title: Illegible Second Vice President BD THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE A SPECIFICATIONS Effective January 1, 1994 1. TYPE OF BUSINESS: Life insurance and disability waiver of monthly deduction and accidental death benefit issued by you. 2. PLANS OF INSURANCE: A. LVP1us2 (UL) B. X-881 (EIWL) C. X-871 (EIWL) (Eff. 3-1-88) D. Commonwealth 3 E. Additional Insured Rider F. XPlus (Eff. 7-1-89) G. XPlus2 (Eff. 11-1-90) H. Dominion Life (EIWL) (Eff. 2-1-93) I. Dominion Life 65 (EIWL) (Eff. 9-1-93) 3. BASIS OF REINSURANCE: Pool - Our share is 20% for ages through 75 for all plans and 25% for ages 76 through 80 for the LVP1us 2 and X-881. 4. JUMBO LIMIT: A. Life $15,000,000 B. Disability Waiver of Premium $ 5,000,000 C. Accidental Death (Including Ages Amount Common Carrier) ------ -------- 0-4 -0- 5-15 $ 50,000 16-65 300,000 5. OUR BINDING LIMIT: A. Life $1.800,000 through age 75 $ 250,000 Ages 76 - 80 B. Disability Waiver of Premium Same as Life C. Accidental Death $ 100,000 6. MINIMUM AMOUNTS: Not applicable 7. YEARS TO RECAPTURE: Ten, except fifteen for Dominion Life. DISK K THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT I YOUR RETENTION LIMITS Effective January 1, 1994 1. LIFE Ages through 75 $1,000,000 Ages 76 - 80 100,000 2. DISABILITY WAIVER OF PREMIUM Same as Life 3. ACCIDENTAL DEATH $200,000 T r a n s a m e r i c a R e i n s u r a n c e Reinsurance Amendment For The Life Insurance Company of Virginia Automatic Reinsurance Agreement (No. 3935-3) [LOGO](R) Transamerica life companies Amendment No. 10 This Amendment, effective June 1, 1994, between THE LIFE INSURANCE COMPANY OF VIRGINIA, (Reinsured referred to as you, your), and TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY, (Reinsurer referred to as we, us, our), is attached to and becomes a part of the Automatic Reinsurance Agreement(No. 3935-3), dated March 1, 1988. 1. Schedule A is replaced by the attached Schedule A. 2. Exhibit III, excluding the rates, is replaced by the attached Exhibit III, excluding the rates. This Amendment does not alter, amend or modify the Reinsurance Agreement other than as set forth in this Amendment, and it is subject otherwise to all the terms and conditions of the Reinsurance Agreement together with all amendments and supplements thereto. Executed in duplicate by Executed in duplicate by The Life Insurance Transamerica Occidental Company of Virginia Life Insurance Company at Richmond, Virginia, at Charlotte, North Carolina, on August 29, 1994. on August 16, 1994. By: /s/ Illegible By: /s/ Illegible --------------------------- --------------------------------- Title Illegible Vice President By: /s/ Illegible By: /s/ Illegible --------------------------- --------------------------------- Title VP & Actuary Second Vice President SK 39353A10 - W1 THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE A SPECIFICATIONS Effective June 1, 1994 1. TYPE OF BUSINESS: Life insurance and disability waiver of monthly deduction and accidental death benefit issued by you. 2. PLANS OF INSURANCE: A. LVPlus2 (UL) B. X-881 (EIWL) C. X-871 (EIWL) (Eff. 3-1-88) D. Commonwealth 3 E. Additional Insured Rider F. XPlus (Eff. 7-1-89) G. XPlus2 (Eff. 11-1-90) H. Dominion Life (EIWL) (Eff. 2-1-93) I. Dominion Life 65 (EIWL) (Eff. 9-1-93) J. Dominion Life 881 (Eff. 2-1-94) K. Accelerated Death Benefit Rider (Eff. 2-1-94) L. LVPlus III (UL) (Eff. 3-1-94) M. Primary Insured Term Rider to Dominion Life Series (Eff. 6-1-94) N. Additional Insured Term Rider to Dominion Life Series (Eff. 6-1-94) 3. BASIS OF REINSURANCE: Pool - Our share is 20% for ages through 75 for all plans and 25% for ages 76 through 80 for the LVPlus 2 and X-881. 4. JUMBO LIMIT: A. Life $15,000,000 B. Disability Waiver of Premium $ 5,000,000 C. Accidental Death (Including Ages Amount Common Carrier) ----- -------- 0-4 -0- 5-15 $ 50,000 16-65 300,000 SCHEDULE A CONTINUES . . . 5. OUR BINDING LIMIT: A. Life $1,800,000 through age 75 $ 250,000 Ages 76 - 80 B. Disability Waiver of Premium Same as Life C. Accidental Death $100,000 6. MINIMUM AMOUNTS: Not applicable 7. YEARS TO RECAPTURE: Ten, except fifteen for Dominion Life. Disk K THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT III INSTRUCTIONS FOR THE USE OF THE YEARLY RENEWABLE TERM PREMIUMS PER $1,000 OF REINSURANCE Effective June 1, 1994 1. Reinsurance premiums under this Agreement will be payable on the annual basis regardless of how you receive premiums from your insured for all plans except for the LVPLus 2, Commonwealth 3 and LVPlus III plans, which will be payable on the monthly basis. 2. STANDARD AND SUBSTANDARD TABLE EXTRA PREMIUMS A. The reinsurance premium rates for the first $2,000,000 on any one life, except for the Dominion 881 and Accelerated Death Benefit rider, will be your company's appropriate rates set forth to this Exhibit times the following multiples for all years: (1) LVPlus2 (UL), X-881 (EIWL), X-871 (EIWL) and XPlus Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.29 1.34 1.16 1.23 (2) Commonwealth 3 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.36 1.41 1.22 1.29 (3) Additional Insured Rider Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.60 1.46 1.28 1.21 (4) XPlus2 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.22 1.27 1.10 1.17 EXHIBIT III CONTINUES . . . (5) Dominion Life and Dominion Life 65 Issue Preferred* Preferred* Ages Non-Smoker Non-Smoker Smoker Smoker ----- ---------- ---------- ---------- ------ 0-40 1.40 1.16 1.40 1.06 41-60 1.20 1.16 1.20 1.06 61+ 1.20 1.16 1.20 1.06 (6) Dominion 881 and Accelerated Death Benefit Rider Ages PNS PSM SNS SSM ---- --- --- --- --- 0-40 140% 140% 116% 106% 41+ 120% 120% 116% 106% The substandard reinsurance rates for the Dominion 881 will be an additional 15% per table rating of appropriate rate times the multiples stated above. (7) LVPlusIII Ages PNS PSM SNS SSM ----- --- --- --- --- 0-40 140% 140% 116% 106% 41-60 120% 120% 116% 106% 60+ 120% 120% 116% 106% The substandard reinsurance rates for the LVPlusIII plan will be an additional 20% per table rating of the appropriate rates times the multiples stated above. (8) Primary Insured Term Rider and Additional Insured Term Rider to Dominion Life Series - Use same rates as base plan to which it is attached. The substandard reinsurance rates for all other plans will be an additional 25% per table rating of the appropriate rates times the multiples stated above. We reserve the right to renegotiate the above multiples if you change the rates set forth in this Exhibit. * In addition to existing preferred risk underwriting requirements, the following stipulations must be met for the preferred rates to apply: (1) No tobacco use (2) Standard with no more than 15 debits. (3) No risk factoring (4) No credits. (5) No diabetes. EXHIBIT III CONTINUES . . . B. For reinsurance in excess of $2,000,000 on any one life, the Vanguard 134 and 136 ANB rates, excluding the policy fee, set forth in this Exhibit will be used. (1) The rates are applicable to males and also to females with an age adjustment factor. For females attained ages 0-10, use male rates for the same ages. For females ages 11-14, use male rate age 10. For females ages 15 and over, use male rates for an age of 4 years younger. (2) The "Substandard" reinsurance premiums set forth in this Exhibit shall be applied for the purpose of computing the substandard table extra premiums. Substandard table extra premiums shall be dropped at the later of age 65 and 20 years in force. The substandard extras in this Exhibit are for Table 1. For rating higher than Table 1, multiply above rate by the appropriate table. 3. FLAT EXTRA PREMIUM The flat extra premium will be the annual flat extra premium which you charge your insured on that amount of the insurance reinsured less the following allowances. Terms of Your First Renewal Flat Extra Premium Year Years ------------------ ----- ------- More than 4 years 85% 15% 4 years or less 15% 15% 4. RENEWAL AND CONVERSION OF INSURANCE The renewal and conversion of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. The Vanguard rates set forth in this Exhibit will be used, including the policy fee. Any conversions to a plan of insurance reinsured under this Agreement will be on a point-in-scale basis. 5. PREMIUM TAX We will not reimburse you for any premium taxes. T r a n s a m e r i c a R e i n s u r a n c e Reinsurance Amendment For The Life Insurance Company of Virginia Automatic Reinsurance Agreement (No. 3935-3) [LOGO](R) Transamerica life companies Amendment No. 9 This Amendment, made by the between THE LIFE INSURANCE COMPANY OF VIRGINIA, (Reinsured, referred to as you, your) and TRANSAMERICA OCCIDENTAL LIFE INSURANCE COMPANY, (Reinsurer, referred to as we, us, our) is attached to and becomes part of the Automatic Reinsurance Agreement (3935-3), dated March 1, 1988. 1. Effective February 1, 1994, Schedule A is replaced by the attached Schedule A. 2. Effective March 1, 1994, Schedule A is replaced by the attached Schedule A. 3. Effective February 1, 1994, Exhibit III is replaced by the attached Exhibit III. 4. Effective March 1, 1994, Exhibit IIII is replaced by the attached Exhibit III. This Amemdment does not alter, amend or modify the Reinsurance Agreement other than as set forth in this Amendment, and it is subject otherwise to all the terms and conditions of the Reinsurance Agreement together with all amendments and supplements thereto. Executed in duplicate by Executed in duplicate by The Life Insurance Transamerica Occidental Company Of Virginia Life Insurance Company at Richmond, Virginia, at Charlotte, North Carolina, on April 27, 1994. on April 21, 1994 By: /s/ Illegible By: /s/ Illegible ---------------------------------- ----------------------------------- Title: __ V.P. Vice President By: /s/ Illegible By: /s/ Illegible ---------------------------------- ----------------------------------- Title: Actuary Second Vice President BD THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE A SPECIFICATIONS Effective February 1, 1994 1. TYPE OF BUSINESS: Life insurance and disability waiver of monthly deduction and accidental death benefit issued by you. 2. PLANS OF INSURANCE: A. LVPlus2 (UL) B. X-881 (EIWL) C. X-871 (EIWL) (Eff. 3-1-88) D. Commonwealth 3 E. Additional Insured Rider F. XPlus (Eff. 7-1-89) G. XPlus2 (Eff. 11-1-90) H. Dominion Life (EIWL) (Eff. 2-1-93) I. Dominion Life 65 (EIWL) (Eff. 9-1-93) J. Dominion Life 881 (Eff. 2-1-94) K. Accelerated Death Benefit Rider (Eff. 2-1-94) 3. BASIS OF REINSURANCE: Pool - Our share is 20% for ages through 75 for all plans and 25% for ages 76 through 80 for the LVPlus 2 and X-881. 4. JUMBO LIMIT: A. Life $15,000,000 B. Disability Waiver of Premium $ 5,000,000 C. Accidental Death (Including Ages Amount Common Carrier) ----- -------- 0-4 -0- 5-15 $ 50,000 16-65 300,000 5. OUR BINDING LIMIT: A. Life $1,800,000 through age 75 $ 250,000 Ages 76 - 80 B. Disability Waiver of Premium Same as Life C. Accidental Death $100,000 6. MINIMUM AMOUNTS: Not applicable 7. YEARS TO RECAPTURE: Ten, except fifteen for Dominion Life. DISK K THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT III INSTRUCTIONS FOR THE USE OF THE YEARLY RENEWABLE TERM PREMIUMS PER $1,000 OF REINSURANCE Effective February 1, 1994 1. Reinsurance premiums under this Agreement will be payable on the annual basis regardless of how you receive premiums from your insured for all plans except for the LVPLus 2 and Commonwealth 3 plans, which will be paid on the monthly basis. 2. STANDARD AND SUBSTANDARD TABLE EXTRA PREMIUMS A. The rates for the first $2,000,000 on any one life, except for the Dominion 881 and Accelerated Death Benefit rider, will be your company's appropriate rates set forth to this Exhibit times the following multiples for all years: (1) LVPlus2 (UL), X-881 (EIWL), X-871 (EIWL) and XPlus Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.29 1.34 1.16 1.23 (2) Commonwealth 3 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.36 1.41 1.22 1.29 (3) Additional Insured Rider Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.60 1.46 1.28 1.21 (4) XPlus2 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.22 1.27 1.10 1.17 EXHIBIT III CONTINUES . . . (4) Dominion Life and D__nion Life 65 Issue Preferred* Preferred* Ages Non-Smoker Non-Smoker Smoker Smoker ----- ---------- ---------- ---------- ------ 0-40 1.40 1.16 1.40 1.06 41-60 1.20 1.16 1.20 1.06 61+ 1.20 1.16 1.20 1.06 B. The reinsurance premiums for the Dominion 881 and Accelerated Death Benefit rider will be the attached Expected Mortality Assumptions times the following multiples: Ages PNS PSM SNS SSM ---- --- --- --- --- 0-40 140% 140% 116% 106% 41+ 120% 120% 116% 106% We reserve the right to renegotiate the above multiples if you change the rates set forth in this Exhibit. * In addition to existing preferred risk underwriting requirements, the following stipulations must be met for the preferred rates to apply: (1) No tobacco use (2) Standard with no more than 1 5 debits. (3) No risk factoring (4) No credits. (5) No diabetes. The substandard reinsurance rates will be an additional 25% per table rating of the appropriate rates times the multiples stated above for all plans except Dominion 881. The substandard reinsurance rates for the Dominion 881 will be an additional 15% per table rating of appropriate rate times the multiples stated above. C. For reinsurance in excess of $2,000,000 on any one life, the Vanguard 134 and 136 ANB rates, excluding the policy fee, set forth in this Exhibit will be used. (1) The rates are applicable to males and also to females with an age adjustment factor. For females attained ages 0-10, use male rates for the same ages. For females ages 11-14, use male rate age 10. For females ages 15 and over, use male rates for an age of 4 years younger. (2) The "Substandard" reinsurance premiums set forth in this Exhibit shall be applied for the purpose of computing the substandard table extra premiums. Substandard table extra premiums shall be dropped at the later of age 65 and 20 years in force. The substandard extras in this Exhibit are for Table 1. For rating higher than Table 1, multiply above rate by the appropriate table. EXHIBIT III CONTINUES . . . 3. FLAT EXTRA PREMIUM The flat extra premium will be the annual flat extra premium which you charge your insured on that amount of the insurance reinsured less the following allowances. Terms of Your First Renewal Flat Extra Premium Year Years ------------------ ----- ------- More than 4 years 85% 15% 4 years or less 15% 15% 4. RENEWAL AND CONVERSION OF INSURANCE The renewal and conversion of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. The Vanguard rates set forth in this Exhibit will be used, including the policy fee. Any conversions to a plan of insurance reinsured under this Agreement will be on a point-in-scale basis. 5. PREMIUM TAX We will not reimburse you for any premium taxes. THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE A SPECIFICATIONS Effective March 1, 1994 1. TYPE OF BUSINESS: Life insurance and disability waiver of monthly deduction and accidental death benefit issued by you. 2. PLANS OF INSURANCE: A. LVPlus2 (UL) B. X-881 (EIWL) C. X-871 (EIWL) (Eff. 3-1-88) D. Commonwealth 3 E. Additional Insured Rider F. XPlus (Eff. 7-1-89) G. XPlus2 (Eff. 11-1-90) H. Dominion Life (EIWL) (Eff. 2-1-93) I. Dominion Life 65 (EIWL) (Eff. 9-1-93) J. Dominion Life 881 (Eff. 2-1-94) K. Accelerated Death Benefit Rider (Eff. 2-1-94) L. LVPlus III (UL) (Eff. 3-1-94) 3. BASIS OF REINSURANCE: Pool - Our share is 20% for ages through 75 for all plans and 25% for ages 76 through 80 for the LVPlus 2 and X-881. 4. JUMBO LIMIT: A. Life $15,000,000 B. Disability Waiver of Premium $ 5,000,000 C. Accidental Death (Including Ages Amount Common Carrier) ----- -------- 0-4 -0- 5-15 $ 50,000 16-65 300,000 5. OUR BINDING LIMIT: A. Life $1,800,000 through age 75 $ 250,000 Ages 76 - 80 B. Disability Waiver of Premium Same as Life C. Accidental Death $100,000 6. MINIMUM AMOUNTS: Not applicable 7. YEARS TO RECAPTURE: Ten, except fifteen for Dominion Life. DISK K THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT III INSTRUCTIONS FOR THE USE OF THE YEARLY RENEWABLE TERM PREMIUMS PER $1,000 OF REINSURANCE Effective March 1, 1994 1. Reinsurance premiums under this Agreement will be payable on the annual basis regardless of how you receive premiums from your insured for all plans except for the LVPLus 2, Commonwealth 3 and LVPlus III plans, which will be paid on the monthly basis. 2. STANDARD AND SUBSTANDARD TABLE EXTRA PREMIUMS A. The rates for the first $2,000,000 on any one life, except for the Dominion 881 and Accelerated Death Benefit rider, will be your company's appropriate rates set forth to this Exhibit times the following multiples for all years: (1) LVPlus2 (UL), X-881 (EIWL), X-871 (EIWL) and XPlus Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.29 1.34 1.16 1.23 (2) Commonwealth 3 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.36 1.41 1.22 1.29 (3) Additional Insured Rider Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.60 1.46 1.28 1.21 (4) XPlus2 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.22 1.27 1.10 1.17 EXHIBIT III CONTINUES . . . (4) Dominion Life and Dominion Life 65 Issue Preferred* Preferred* Ages Non-Smoker Non-Smoker Smoker Smoker ----- ---------- ---------- ---------- ------ 0-40 1.40 1.16 1.40 1.06 41-60 1.20 1.16 1.20 1.06 61+ 1.20 1.16 1.20 1.06 B. The reinsurance premiums for the Dominion 881 and Accelerated Death Benefit rider will be the attached Expected Mortality Assumptions times the following multiples: Ages PNS PSM SNS SSM ---- --- --- --- --- 0-40 140% 140% 116% 106% 41+ 120% 120% 116% 106% C. The reinsurance premiums for the LVPlusIII will be the attached Expected Mortality Assumptions times the following multiples: Ages PNS PSM SNS SSM ----- --- --- --- --- 0-40 140% 140% 116% 106 41-60 120% 120% 116% 106 60+ 120% 120% 116% 106 The substandard reinsurance rates for the LVPlusIII plan will be an additional 20% per table rating of the appropriate rates times the multiples stated above. We reserve the right to renegotiate the above multiples if you change the rates set forth in this Exhibit. * In addition to existing preferred risk underwriting requirements, the following stipulations must be met for the preferred rates to apply: (1) No tobacco use (2) Standard with no more than 1 5 debits. (3) No risk factoring (4) No credits. (5) No diabetes. The substandard reinsurance rates will be an additional 25% per table rating of the appropriate rates times the multiples stated above for all plans except Dominion 881. The substandard reinsurance rates for the Dominion 881 will be an additional 15% per table rating of appropriate rate times the multiples stated above. C. For reinsurance in excess of $2,000,000 on any one life, the Vanguard 134 and 136 ANB rates, excluding the policy fee, set forth in this Exhibit will be used. (1) The rates are applicable to males and also to females with an age adjustment factor. For females attained ages 0-10, use male rates for the same ages. For females ages 11-14, use male rate age 10. For females ages 15 and over, use male rates for an age of 4 years younger. EXHIBIT III CONTINUES . . . (2) The "Substandard" reinsurance premiums set forth in this Exhibit shall be applied for the purpose of computing the substandard table extra premiums. Substandard table extra premiums shall be dropped at the later of age 65 and 20 years in force. The substandard extras in this Exhibit are for Table 1. For rating higher than Table 1, multiply above rate by the appropriate table. 3. FLAT EXTRA PREMIUM The flat extra premium will be the annual flat extra premium which you charge your insured on that amount of the insurance reinsured less the following allowances. Terms of Your First Renewal Flat Extra Premium Year Years ------------------ ----- ------- More than 4 years 85% 15% 4 years or less 15% 15% 4. RENEWAL AND CONVERSION OF INSURANCE The renewal and conversion of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. The Vanguard rates set forth in this Exhibit will be used, including the policy fee. Any conversions to a plan of insurance reinsured under this Agreement will be on a point-in-scale basis. 5. FREMIUM TAX We will not reimburse you for any premium taxes. EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 FEMALE PREFERRED NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ----- ----- ----- ------ ------ ------ ------ ------ 0 0.402 0.254 0.211 0.172 0.161 0.147 0.136 0.122 1 0.402 0.254 0.211 0.172 0.161 0.147 0.136 0.122 2 0.254 0.197 0.172 0.156 0.141 0.136 0.122 0.112 3 0.197 0.160 0.156 0.136 0.131 0.122 0.112 0.108 4 0.160 0.145 0.136 0.126 0.117 0.112 0.108 0.108 5 0.145 0.127 0.126 0.113 0.107 0.108 0.108 0.115 6 0.127 0.118 0.113 0.104 0.104 0.108 0.115 0.147 7 0.118 0.106 0.104 0.100 0.104 0.115 0.147 0.182 8 0.106 0.097 0.100 0.100 0.111 0.147 0.182 0.234 9 0.097 0.094 0.100 0.107 0.141 0.182 0.234 0.283 10 0.094 0.094 0.107 0.136 0.174 0.234 0.283 0.332 11 0.094 0.100 0.136 0.168 0.224 0.283 0.332 0.374 12 0.100 0.127 0.168 0.217 0.271 0.332 0.374 0.405 13 0.127 0.157 0.217 0.262 0.318 0.374 0.405 0.416 14 0.157 0.203 0.262 0.308 0.358 0.405 0.416 0.309 15 0.200 0.242 0.301 0.337 0.375 0.409 0.309 0.296 16 0.242 0.281 0.324 0.347 0.375 0.303 0.296 0.287 17 0.284 0.305 0.340 0.352 0.287 0.292 0.285 0.278 18 0.290 0.308 0.342 0.268 0.280 0.279 0.272 0.267 19 0.283 0.304 0.255 0.255 0.262 0.260 0.256 0.251 20 0.269 0.221 0.242 0.240 0.244 0.239 0.240 0.235 21 0.194 0.214 0.237 0.234 0.236 0.232 0.237 0.238 22 0.185 0.206 0.232 0.229 0.230 0.231 0.233 0.234 23 0.181 0.200 0.228 0.225 0.229 0.232 0.233 0.237 24 0.174 0.193 0.222 0.224 0.230 0.236 0.236 0.243 25 0.169 0.186 0.217 0.222 0.233 0.241 0.245 0.255 26 0.161 0.178 0.207 0.214 0.231 0.245 0.252 0.266 27 0.161 0.175 0.204 0.216 0.236 0.256 0.270 0.287 28 0.164 0.177 0.205 0.220 0.243 0.270 0.287 0.313 29 0.169 0.181 0.209 3.227 0.256 0.287 0.313 0.345 30 0.175 0.190 0.221 0.240 0.273 0.313 0.342 0.382 31 0.179 0.198 0.231 0.254 0.290 0.337 0.373 0.415 32 0.180 0.201 0.239 0.264 0.305 0.356 0.399 0.446 33 0.176 0.202 0.243 0.275 0.322 0.378 0.426 0.477 34 0.171 0.202 0.250 0.287 0.340 0.402 0.453 0.509 35 0.171 0.208 0.262 0.307 0.365 0.433 0.488 0.551 36 0.171 0.215 0.278 0.329 0.394 0.468 0.532 0.598 37 0.177 0.226 0.297 0.355 0.427 0.508 0.576 0.650 38 0.190 0.247 0.329 0.394 0.474 0.562 0.636 0.721 39 0.207 0.275 0.366 0.437 0.523 0.622 0.705 0.800 40 0.223 0.300 0.400 0.478 0.568 0.674 0.767 0.872 41 0.239 0.324 0.436 0.519 0.617 0.733 0.831 0.943 42 0.259 0.356 0.478 0.570 0.681 0.808 0.916 1.039 43 0.274 0.378 0.511 0.612 0.733 0.870 0.983 1.115 44 0.288 0.400 0.545 0.655 0.782 0.929 1.051 1.190 45 0.304 0.424 0.579 0.700 0.836 0.993 1.125 1.274 46 0.320 0.448 0.615 0.747 0.898 1.068 1.211 1.373 47 0.336 0.476 0.656 0.801 0.972 1.159 1.312 1.487 48 0.351 0.506 0.704 0.864 1.061 1.269 1.436 1.631 49 0.368 0.539 0.757 0.937 1.158 1.391 1.585 1.800 50 0.383 0.577 0.816 1.014 1.258 1.524 1.742 1.980 51 0.410 0.632 0.900 1.120 1.393 1.697 1.944 2.208 52 0.441 0.691 0.989 1.233 1.531 1.868 2.141 2.432 53 0.474 0.753 1.084 1.348 1.671 2.029 2.324 2.642 54 0.512 0.821 1.182 1.467 1.811 2.186 2.499 2.842 55 0.554 0.897 1.292 1.596 1.959 2.352 2.676 3.043 56 7.606 0.983 1.416 1.742 2.122 2.528 2.873 3.268 57 0.668 1 085 1.561 1.911 2.302 2.737 3.107 3.529 58 7.742 1.208 1.735 2.108 2.524 2.997 3.393 3.841 59 0.830 1.352 1.934 2.338 2.794 3.310 3.735 4.202 60 0.931 1.512 2.154 2.596 3.107 3.667 4.118 4.606 61 1.046 1.683 2.390 2.879 3.446 4.052 4.532 5.051 62 1.176 1.861 2.632 3.183 3.793 4.452 4.968 5.532 63 1.322 2.067 2.905 3.500 4.145 4.852 5.407 6.019 64 1.487 2.312 3.213 3.830 4.509 5.264 5.854 6.519 65 1.671 2.570 3.540 4.171 4.898 5.704 5.339 7.079 66 1.872 2.826 3.858 4.521 5.310 6.193 6.903 7.744 67 2.094 3.058 4.142 4.872 5.758 6.755 7.577 8.558 68 2.336 3.272 4.398 5.222 6.242 7.410 8.403 9.565 69 2.600 3.484 4 649 5.575 6.766 8.163 9.380 10.784 70 2.883 3.686 4 892 5.928 7.324 8.996 10.506 12.189 71 3.163 4.041 5.357 6.483 7.996 9.820 11.459 13.294 72 3.467 4.426 5.859 7.080 8.732 10.713 12.501 14.498 73 3.792 4.834 6.390 7.720 9.513 11.670 13.612 15.785 74 4.076 5.188 6.854 8.274 10.195 12.505 14.582 16.900 75 4.295 5.464 7.215 8.710 10.729 13.155 15.334 17.768 76 4.473 5.687 7.508 9.062 11.158 13.677 15.938 18.465 77 4.651 5.912 7.805 9.417 11.590 14.203 16.549 19.167 78 4.934 6.272 8.277 9.981 12.281 15.048 17.529 20.298 79 5.358 6.808 8.980 10.827 13.321 16.317 19.002 22.002 80 5.791 7.354 9.698 11.692 14.380 17.610 20.507 23.741 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------ ------ ------- 0 0.112 0.108 0.108 0.115 0.147 0.182 0.234 0.283 15 1 0.112 0.108 0.108 0.115 0.147 0.182 0.234 0.283 16 2 0.108 0.108 0.115 0.147 0.182 0.234 0.283 0.332 17 3 0.108 0.115 0.147 0.182 0.234 0.283 0.332 0.374 18 4 0.115 0.147 0.182 0.234 0.283 0.332 0.374 0.405 19 5 0.147 0.182 0.234 0.283 0.332 0.374 0.405 0.416 20 6 0.182 0.234 0.283 0.332 0.374 0.405 0.416 0.326 21 7 0.234 0.283 0.332 0.374 0.405 0.416 0.323 0.313 22 8 0.283 0.332 0.374 0.405 0.416 0.320 0.310 0.303 23 9 0.332 0.374 0.405 0.416 0.317 0.307 0.300 0.296 24 10 0.374 0.405 0.416 0.314 0.304 0.297 0.293 0.287 25 11 0.405 0.416 0.311 0.302 0.295 0.291 0.284 0.280 26 12 0.416 0.309 0.299 0.292 0.288 0.282 0.278 0.268 27 13 0.309 0.296 0.289 0.286 0.279 0.275 0.266 0.276 28 14 0.296 0.287 0.283 0.277 0.273 0.264 0.274 0.281 29 15 0.287 0.278 0.274 0.271 0.261 0.272 3.279 0.287 30 16 0.278 0.272 0.266 0.259 0.269 0.276 0.285 0.293 31 17 0.272 0.265 0.258 0.268 0.275 0.283 0.291 0.293 32 18 0.263 0.259 0.253 0.264 0.275 0.285 0.291 0.296 33 19 0.249 0.249 0.245 0.260 0.273 0.285 0.294 0.304 34 20 0.237 0.241 0.239 0.256 0.269 0.287 0.303 0.318 35 21 0.244 0.252 0.255 0.269 0.285 0.304 0.327 0.345 36 22 0.242 0.253 0.262 0.276 0.298 0.324 0.354 0.381 37 23 0.246 0.260 0.274 0.290 0.318 0.350 0.380 0.416 38 24 0.255 0.274 0.296 0.315 0.350 0.389 0.425 0.466 39 25 0.271 0.294 0.322 0.351 0.394 0.439 0.479 0.526 40 26 0.285 0.314 0.347 0.386 0.430 0.482 0.530 0.577 41 27 0.313 0.348 0.385 0.428 0.478 0.535 0.588 0.635 42 28 0.345 0.385 0.424 0.471 0.525 0.587 0.644 0.700 43 29 0.382 0.430 0.473 0.521 0.578 0.643 0.706 0.772 44 30 0.427 0.480 0.527 0.578 0.638 0.706 0.775 0.855 45 31 0.469 0.526 0.577 0.635 0.699 0.775 0.853 0.948 46 32 0.504 0.566 0.622 0.685 0.756 0.839 0.929 1.036 47 33 0.537 0.606 0.670 0.742 0.827 0.929 1.036 1.160 48 34 0.573 0.644 0.719 0.803 0.909 1.030 1.155 1.308 49 35 0.621 0.696 0.779 0.877 0.996 1.132 1.271 1.446 50 36 0.671 0.753 0.848 0.956 1.090 1.242 1.398 1.585 51 37 0.730 0.821 0.924 1.042 1.188 1.356 1.534 1.724 52 38 0.812 0.914 1.021 1.147 1.301 1.485 1.686 1.878 53 39 0.905 1.015 1.131 1.269 1.439 1.649 1.882 2.094 54 40 0.984 1.107 1.230 1.376 1.563 1.790 2.055 2.311 55 41 1.068 1.202 1.341 1.509 1.717 1.976 2.290 2.619 56 42 1.178 1.330 1.491 1.682 1.914 2.207 2.563 2.967 57 43 1.262 1.441 1.628 1.852 2.123 2.454 2.858 3.339 58 44 1.347 1.553 1.776 2.044 2.358 2.733 3.183 3.742 59 45 1.441 1.675 1.943 2.254 2.619 3.042 3.548 4.165 60 46 1.554 1.813 2.121 2.481 2.901 3.384 3.953 4.620 61 47 1.702 1.973 2.310 2.705 3.172 3.705 4.317 5.019 62 48 1.876 2.154 2.511 2.942 3.455 4.037 4.712 5.474 63 49 2.063 2.352 2.730 3.191 3.744 4.389 5.136 5.980 64 50 2.251 2.559 2.967 3.471 4.093 4.830 5.696 6.678 65 51 2.498 2.835 3.272 3.826 4.515 5.347 5.328 7.438 66 52 2.748 3.114 3.596 4.207 4.974 5.906 7.004 9.244 67 53 2.992 3.397 3.935 4.617 5.468 6.494 7.713 9.101 68 54 3.235 3.688 4.292 5.060 5.995 7.116 8.460 9.967 69 55 3.489 3.995 4.677 5.534 6.562 7.789 9.271 10.880 70 56 3.755 4.327 5.092 6.044 7.178 8.527 10.156 11.967 71 57 4.042 4.690 5.543 6.600 7.855 9.340 11.136 13.191 72 58 4.358 5.089 6.031 7.200 8.588 10.237 12.227 14.492 73 59 4.755 5.532 6.562 7.837 9.378 11.220 13.426 15.921 74 60 5.200 6.025 7.138 8.529 10.236 12.292 14.738 17.482 75 61 5.693 6.564 7.799 9.357 11.302 13.671 16.461 19.664 76 62 6.225 7.161 8.531 10.275 12.483 15.174 18.372 22.084 77 63 6.777 7.790 9.349 11.356 13.915 17.079 20.836 25.336 78 64 7.358 8.461 10.196 12.437 15.332 18.903 23.162 28.354 79 65 8.018 9.227 11.189 13.760 17.080 21.215 26.166 32.206 80 66 8.804 10.127 12.315 15.171 18.865 23.470 29.004 35.605 81 67 9.764 11.232 13.711 16.942 21.111 26.317 32.631 40.108 82 68 10.962 12.585 15.344 18.886 23.427 29.098 36.060 44.241 83 69 12.392 14.198 17.324 21.264 26.276 32.566 40.409 49.859 84 70 14.048 16.052 19.589 23.942 29.450 36.384 45.163 56.170 85 71 15.319 17.500 21.501 26.444 32.713 40.614 50.642 61.521 86 72 16.704 19.070 23.680 29.401 36.664 45.852 57.213 68.357 87 73 18.175 20.745 26.038 32.615 40.991 51.611 62.974 75.896 88 74 19.455 22.206 28.057 35.348 44.652 56.394 67.777 82.180 89 75 20.452 23.334 29.687 37.618 47.746 59.517 71.937 87.684 90 76 21.247 24.237 30.832 39.064 49.553 61.239 74.126 90.451 91 77 22.050 25.150 31.991 40.507 51.373 62.984 76.332 93.252 92 78 23.349 26.628 33.850 42.853 54.348 65.826 79.943 97.798 93 79 25.306 28.843 36.658 46.408 58.190 70.136 85.385 104.698 94 80 27.290 31.098 39.524 50.025 61.656 74.501 90.923 111.729 95 122.902 96 135.192 97 148.712 98
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 MALE PREFERRED NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ----- ------ ------ ------ ------ ------ ------ ------ 0 0.612 0.401 0.345 0.291 0.282 0.266 0.255 0.236 1 0.612 0.401 0.345 0.291 0.282 0.266 0.255 0.236 2 0.402 0.322 0.290 0.272 0.253 0.253 0.233 0.219 3 0.324 0.272 0.272 0.244 0.241 0.232 0.218 0.216 4 0.274 0.255 0.245 0.233 0.222 0.217 0.215 0.220 5 0.257 0.230 0.234 0.215 0.208 0.214 0.219 0.238 6 0.233 0.221 0.216 0.202 0.206 0.219 0.237 0.308 7 0.224 0.204 0.203 0.200 0.211 0.238 0.308 0.387 8 0.209 0.194 0.204 0.207 0.231 0.311 0.390 0.509 9 0.198 0.194 0.210 0.226 0.301 0.392 0.511 0.625 10 0.195 0.197 0.227 0.292 0.377 0.512 0.625 0.740 11 0.199 0.213 0.293 0.364 0.488 0.619 0.730 0.827 12 0.214 0.273 0.363 0.469 0.587 0.719 0.812 0.882 13 0.275 0.340 0.468 0.564 0.683 0.800 0.865 0.885 14 0.341 0.436 0.562 0.655 0.759 0.853 0.870 0.616 15 0.437 0.524 0.647 0.716 0.790 0.852 0.611 0.580 16 0.529 0.608 0.692 0.731 0.781 0.599 0.577 0.554 17 0.609 0.646 0.710 0.727 0.562 0.563 0.544 0.525 18 0.609 0.638 0.700 0.518 0.534 0.527 0.507 0.489 19 0.582 0.618 0.490 0.484 0.491 0.482 0.465 0.448 20 0.542 0.422 0.456 0.448 0.448 0.431 0.423 0.409 21 0.349 0.385 0.427 0.423 0.424 0.415 0.424 0.423 22 0.305 0.340 0.383 0.376 0.378 0.380 0.379 0.381 23 0.271 0.300 0.340 0.334 0.341 0.343 0.345 0.347 24 0.235 0.260 0.297 0.300 0.307 0.314 0.312 0.320 25 0.209 0.229 0.268 0.272 0.287 0.294 0.298 0.311 26 0.194 0.214 0.248 0.257 0.274 0.291 0.300 0.314 27 0.189 0.203 0.237 0.249 0.272 0.296 0.310 0.329 28 0.188 0.203 0.233 0.250 0.277 0.306 0.325 0.356 29 0.194 0.206 0.238 0.259 0.290 0.325 0.356 0.388 30 0.197 0.213 0.249 0.268 0.304 0.351 0.379 0.425 31 0.199 0.221 0.255 0.281 0.322 0.369 0.411 0.455 32 0.201 0.224 0.264 0.294 0.336 0.393 0.440 0.492 33 0.197 0.225 0.273 0.305 0.358 0.419 0.472 0.528 34 0.188 0.224 0.274 0.316 0.374 0.441 0.497 0.558 35 0.190 0.229 0.289 0.339 0.401 0.476 0.537 0.607 36 0.191 0.242 0.311 0.368 0.441 0.524 0.597 0.673 37 0.202 0.258 0.339 0.405 0.487 0.581 0.659 0.743 38 0.217 0.282 0.376 0.449 0.542 0.644 0.728 0.827 39 0.236 0.314 0.418 0.500 0.600 0.712 0.809 0.922 40 0.260 0.349 0.466 0.558 0.663 0.788 0.900 1.025 41 0.283 0.385 0.519 0.617 0.735 0.877 0.995 1.132 42 0.308 0.424 0.568 0.679 0.815 0.969 1.100 1.250 43 0.333 0.458 0.621 0.747 0.896 1.065 1.207 1.370 44 0.357 0.496 0.678 0.817 0.978 1.164 1.318 1.491 45 0.385 0.539 0.738 0.893 1.069 1.272 1.439 1.631 46 0.416 0.583 0.801 0.976 1.175 1.395 1.583 1.789 47 0.447 0.634 0.876 1.070 1.298 1.547 1.747 1.977 48 0.478 0.691 0.961 1.179 1.449 1.727 1.951 2.213 49 0.513 0.753 1.056 1.308 1.613 1.934 2.198 2.491 50 0.548 0.824 1.166 1.445 1.789 2.163 2.468 2.798 51 0.586 0.902 1.283 1.592 1.977 2.403 2.747 3.109 52 0.630 0.985 1.407 1.751 2.169 2.639 3.015 3.426 53 0.676 1.071 1.539 1.909 2.361 2.858 3.275 3.722 54 0.728 1.165 1.675 2.073 2.551 3.080 3.521 4.004 55 0.787 1.270 1.826 2.247 2.760 3.313 3.771 4.289 56 0.858 1.389 1.994 2.454 2.989 3.563 4.049 4.609 57 0.944 1.528 2.199 2.692 3.244 3.857 4.381 4.980 58 1.045 1.702 2.444 2.971 3.558 4.226 4.789 5.419 59 1.169 1.905 2.725 3.296 3.941 4.671 5.268 5.925 60 1.311 2.130 3.036 3.661 4.385 5.173 5.808 6.498 61 1.474 2.372 3.370 4.063 4.862 5.714 6.393 7.127 62 1.658 2.625 3.715 4.490 5.349 6.281 7.010 7.808 63 1.864 2.918 4.098 4.936 5.847 6.846 7.631 8.506 64 2.098 3.261 4.532 5.404 6.363 7.429 8.272 9.225 65 2.358 3.625 4.994 5.886 6.912 8.061 8.970 10.043 66 2.640 3.987 5.444 6.381 7.504 8.764 9.793 11.019 67 2.954 4.315 5.846 6.885 8.148 9.584 10.781 12.225 68 3.296 4.618 6.215 7.390 8.856 10.543 12.004 13.710 69 3.670 4.923 6.579 7.910 9.627 11.660 13.445 15.507 70 4.073 5.217 6.940 8.435 10.462 12.894 15.107 17.596 71 4.476 5.734 7.622 9.261 11.462 14.121 16.543 19.264 72 4.919 6.297 8.369 10.148 12.556 15.466 18.115 21.083 73 5.395 6.905 9.159 11.101 13.733 16.911 19.795 23.042 74 5.822 7.435 9.856 11.944 14.773 18.184 21.287 24.776 75 6.156 7.858 10.416 12.621 15.601 19.204 22.479 26.149 76 6.432 8.209 10.880 13.177 16.289 20.050 23.456 27.277 77 6.715 8.567 11.350 13.747 16.991 20.902 24.446 28.418 78 7.150 9.120 12.083 14.633 18.074 22.229 25.989 30.201 79 7.792 9.939 13.165 15.934 19.677 24.192 28.274 32.842 80 8.454 10.781 14.273 17.271 21.320 26.202 30.610 35.544 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------- ------- ------- 0 0.222 0.222 0.228 0.249 0.326 0.414 0.547 0.678 15 1 0.222 0.222 0.228 0.249 0.326 0.414 0.547 0.678 16 2 0.218 0.224 0.245 0.320 0.406 0.536 0.663 0.795 17 3 0.222 0.242 0.315 0.399 0.526 0.650 0.779 0.896 18 4 0.239 0.311 0.394 0.518 0.639 0.765 0.879 0.971 19 5 0.309 0.390 0.512 0.631 0.754 0.865 0.954 0.996 20 6 0.388 0.508 0.625 0.746 0.854 0.941 0.981 0.750 21 7 0.506 0.622 0.740 0.846 0.931 0.969 0.733 0.719 22 8 0.623 0.740 0.844 0.926 0.962 0.719 0.704 0.699 23 9 0.740 0.843 0.923 0.957 0.708 0.692 0.686 0.685 24 10 0.841 0.920 0.953 0.698 0.682 0.675 0.673 0.660 25 11 0.902 0.930 0.673 0.655 0.646 0.642 0.628 0.620 26 12 0.906 0.647 0.628 0.617 0.611 0.596 0.586 0.568 27 13 0.629 0.602 0.589 0.581 0.563 0.552 0.532 0.548 28 14 0.588 0.568 0.558 0.539 0.527 0.506 0.519 0.529 29 15 0.559 0.537 0.521 0.507 0.485 0.495 0.502 0.508 30 16 0.530 0.509 0.489 0.471 0.479 0.485 0.488 0.495 31 17 0.502 0.481 0.463 0.469 0.474 0.476 0.482 0.478 32 18 0.472 0.457 0.437 0.449 0.455 0.464 0.467 0.463 33 19 0.438 0.427 0.414 0.429 0.441 0.455 0.458 0.463 34 20 0.402 0.402 0.389 0.409 0.422 0.439 0.453 0.468 35 21 0.434 0.444 0.436 0.445 0.452 0.462 0.480 0.479 36 22 0.391 0.409 0.412 0.419 0.437 0.461 0.480 0.498 37 23 0.359 0.381 0.392 0.406 0.439 0.466 0.496 0.527 38 24 0.338 0.360 0.384 0.406 0.441 0.485 0.521 0.562 39 25 0.329 0.355 0.390 0.418 0.468 0.518 0.561 0.611 40 26 0.336 0.372 0.406 0.453 0.503 0.563 0.617 0.672 41 27 0.361 0.396 0.441 0.491 0.550 0.617 0.681 0.740 42 28 0.388 0.434 0.479 0.535 0.598 0.674 0.746 0.818 43 29 0.431 0.483 0.534 0.590 0.660 0.740 0.819 0.900 44 30 0.474 0.532 0.587 0.650 0.724 0.810 0.896 1.000 45 31 0.515 0.576 0.638 0.709 0.791 0.884 0.986 1.112 46 32 0.555 0.624 0.694 0.775 0.864 0.973 1.097 1.242 47 33 0.595 0.672 0.752 0.841 0.951 1.084 1.227 1.394 48 34 0.630 0.709 0.800 0.907 1.045 1.201 1.368 1.574 49 35 0.686 0.767 0.874 1.003 1.160 1.341 1.535 1.777 50 36 0.754 0.848 0.973 1.117 1.296 1.504 1.724 1.987 51 37 0.837 0.945 1.083 1.244 1.443 1.678 1.929 2.207 52 38 0.935 1.054 1.202 1.381 1.599 1.860 2.158 2.448 53 39 1.043 1.173 1.336 1.529 1.768 2.067 2.403 2.725 54 40 1.159 1.307 1.482 1.690 1.960 2.285 2.674 3.066 55 41 1.285 1.449 1.641 1.880 2.169 2.535 2.985 3.468 56 42 1.419 1.601 1.826 2.090 2.413 2.826 3.333 3.918 57 43 1.549 1.770 2.022 2.327 2.700 3.157 3.721 4.396 58 44 1.689 1.942 2.240 2.599 3.023 3.533 4.145 4.929 59 45 1.840 2.134 2.487 2.900 3.385 3.948 4.640 5.484 60 46 2.022 2.354 2.758 3.230 3.779 4.425 5.186 6.085 61 47 2.259 2.612 2.062 3.587 4.224 4.951 5.791 6.759 62 48 2.539 2.908 3.392 3.991 4.703 5.517 5.465 7.544 63 49 2.848 3.237 3.773 4.426 5.214 6.138 7.215 8.440 64 50 3.170 3.606 4.179 4.890 5.769 6.812 8.039 9.420 65 51 3.519 3.993 4.622 5.420 6.416 7.624 9.041 10.651 66 52 3.870 4.388 5.107 6.024 7.182 8.588 10.256 12.167 67 53 4.216 4.787 5.606 6.649 7.951 9.534 11.440 13.633 68 54 4.559 5.200 6.150 7.357 8.844 10.657 12.856 15.366 69 55 4.920 5.638 6.716 8.084 9.756 11.780 14.259 17.032 70 56 5.299 6.104 7.328 8.877 10.752 13.022 15.823 19.019 71 57 5.702 6.614 7.980 9.695 11.769 14.282 17.375 21.018 72 58 6.160 7.179 8.685 10.578 12.883 15.675 19.126 23.158 73 59 6.709 7.807 9.475 11.586 14.190 17.389 21.308 25.891 74 60 7.337 8.503 10.320 12.626 15.527 19.104 23.482 28.527 75 61 8.035 9.276 11.276 13.849 17.120 21.203 26.113 31.885 76 62 8.798 10.133 12.318 15.135 18.767 23.259 28.693 35.152 77 63 9.591 11.052 13.469 16.621 20.671 25.735 31.853 39.274 78 64 10.439 12.039 14.728 18.217 22.759 28.443 35.306 43.756 79 65 11.408 13.180 16.134 20.020 25.082 31.431 39.089 48.518 80 66 12.577 14.515 17.792 22.103 27.704 34.723 43.236 53.488 81 67 13.995 16.152 19.788 24.536 30.674 38.379 47.777 58.940 82 68 15.764 18.168 22.201 27.381 34.052 42.424 52.717 64.849 83 69 17.890 20.574 25.029 30.657 37.839 46.843 58.071 71.608 84 70 20.357 23.342 28.272 34.345 42.014 51.655 63.852 79.120 85 71 22.276 25.547 31.013 37.737 46.245 56.942 70.484 85.409 86 72 24.385 27.957 34.084 41.650 51.227 63.292 78.578 93.196 87 73 26.645 30.530 37.397 45.880 56.635 70.186 85.372 101.594 88 74 28.632 32.802 40.258 49.478 61.173 75.922 90.758 108.398 89 75 30.212 34.596 42.550 52.387 64.865 80.170 95.164 114.014 90 76 31.502 36.062 44.334 54.563 67.450 82.568 98.144 117.704 91 77 32.809 37.541 46.137 56.688 70.049 84.997 101.145 121.419 92 78 34.853 39.867 48.913 60.075 74.226 88.890 105.969 127.309 93 79 37.887 43.266 53.063 65.164 80.154 94.735 113.136 136.241 94 80 40.937 46.729 57.303 70.350 84.973 100.611 120.446 145.339 95 159.873 96 175.861 97 193.447 98 212.791 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 FEMALE NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ------ ------ ------ ------ ------ ------ ------ ------ 0 0.543 0.339 0.259 0.209 0.187 0.161 0.150 0.134 1 0.543 0.339 0.259 0.209 0.187 0.161 0.150 0.134 2 0.343 0.262 0.211 0.189 0.163 0.150 0.134 0.123 3 0.265 0.214 0.191 0.165 0.152 0.134 0.123 0.119 4 0.216 0.194 0.167 0.154 0.136 0.123 0.119 0.119 5 0.196 0.169 0.155 0.138 0.124 0.119 0.119 0.127 6 0.171 0.157 0.139 0.126 0.121 0.119 0.127 0.161 7 0.159 0.141 0.127 0.122 0.121 0.127 0.161 0.200 8 0.143 0.129 0.124 0.122 0.128 0.161 0.200 0.257 9 0.131 0.125 0.124 0.130 0.163 0.200 0.257 0.311 10 0.126 0.125 0.131 0.165 0.202 0.257 0.311 0.365 11 0.126 0.133 0.167 0.205 0.260 0.311 0.365 0.411 12 0.135 0.169 0.207 0.264 0.315 0.365 0.411 0.445 13 0.171 0.210 0.267 0.319 0.369 0.411 0.445 0.457 14 0.212 0.270 0.323 0.374 0.416 0.445 0.457 0.490 15 0.269 0.323 0.371 0.409 0.435 0.449 0.490 0.470 16 0.326 0.375 0.398 0.421 0.435 0.481 0.470 0.455 17 0.383 0.407 0.418 0.428 0.482 0.464 0.453 0.442 18 0.391 0.411 0.421 0.470 0.469 0.443 0.431 0.424 19 0.381 0.405 0.453 0.448 0.439 0.413 0.406 0.399 20 0.362 0.425 0.430 0.421 0.409 0.379 0.381 0.373 21 0.379 0.413 0.421 0.411 0.396 0.368 0.376 0.378 22 0.361 0.397 0.411 0.401 0.386 0.367 0.369 0.371 23 0.353 0.385 0.405 0.395 0.385 0.369 0.371 0.376 24 0.338 0.372 0.394 0.393 0.386 0.374 0.375 0.385 25 0.329 0.358 0.385 0.389 0.391 0.383 0.389 0.405 26 0.314 0.342 0.368 0.376 0.388 0.389 0.400 0.422 27 0.314 0.336 0.362 0.379 0.395 0.407 0.429 0.456 28 0.319 0.340 0.364 0.386 0.407 0.429 0.456 0.497 29 0.329 0.348 0.371 0.398 0.429 0.456 0.497 0.547 30 0.342 0.366 0.393 0.421 0.457 0.497 0.543 0.606 31 0.349 0.382 0.410 0.446 0.487 0.534 0.592 0.658 32 0.351 0.388 0.424 0.464 0.511 0.565 0.633 0.709 33 0.344 0.388 0.432 0.483 0.540 0.599 0.677 0.757 34 0.333 0.389 0.443 0.504 0.670 0.638 0.720 0.808 35 0.332 0.400 0.465 0.539 0.611 0.688 0.775 0.874 36 0.332 0.414 0.493 0.577 0.661 0.742 0.844 0.949 37 0.344 0.435 0.527 0.623 0.715 0.806 0.914 1.031 38 0.370 0.475 0.585 0.691 0.794 0.892 1.010 1.144 39 0.403 0.531 0.650 0.767 0.877 0.988 1.119 1.271 40 0.435 0.578 0.710 0.839 0.953 1.069 1.218 1.384 41 0.465 0.624 0.775 0.910 1.034 1.163 1.318 1.497 42 0.505 0.685 0.849 1.000 1.142 1.283 1.454 1.649 43 0.534 0.728 0.907 1.074 1.228 1.380 1.561 1.769 44 0.562 0.770 0.967 1.149 1.311 1.475 1.668 1.889 45 0.592 0.817 1.029 1.228 1.401 1.577 1.786 2.023 46 0.624 0.863 1.092 1.311 1.506 1.695 1.923 2.179 47 0.655 0.917 1.166 1.406 1.630 1.839 2.082 2.360 48 0.685 0.975 1.250 1.516 1.779 2.014 2.279 2.589 49 0.716 1.039 1.344 1.644 1.941 2.209 2.515 2.857 50 0.747 1.111 1.449 1.779 2.108 2.419 2.766 3.143 51 0.800 1.216 1.599 1.964 2.335 2.693 3.086 3.504 52 0.859 1.332 1.757 2.164 2.567 2.965 3.398 3.860 53 0.924 1.451 1.925 2.365 2.801 3.221 3.689 4.194 54 0.998 1.581 2.100 2.574 3.036 3.470 3.967 4.511 55 1.080 1.727 2.296 2.800 3.284 3.733 4.248 4.831 56 1.180 1.893 2.515 3.057 3.557 4.013 4.560 5.188 57 1.302 2.089 2.772 3.354 3.859 4.344 4.931 5.601 58 1.446 2.326 3.082 3.700 4.231 4.756 5.386 6.097 59 1.618 2.604 3.434 4.103 4.684 5.254 5.928 6.669 60 1.814 2.911 3.827 4.555 5.209 5.821 6.537 7.311 61 2.038 3.242 4.244 5.052 5.777 6.432 7.193 8.017 62 2.292 3.585 4.675 5.585 6.358 7.067 7.885 8.781 63 2.576 3.982 5.159 6.142 6.947 7.701 8.582 9.554 64 2.897 4.452 5.708 6.721 7.559 8.355 9.291 10.347 65 3.257 4.951 6.287 7.320 8.210 9.054 10.062 11.235 66 3.649 5.443 6.853 _.933 8.901 9.830 10.956 12.292 67 4.081 5.889 7.357 8.549 9.651 10.722 12.027 13.685 68 4.552 6.301 7.811 9.163 10.463 11.762 13.339 15.183 69 5.067 6.709 8.257 9.783 11.341 12.957 14.889 17.117 70 5.618 7.100 8.688 10.402 12.277 14.279 16.676 19.348 71 6.164 7.784 9.515 11.376 13.404 15.587 18.189 21.101 72 6.757 8.524 10.406 12.424 14.636 17.006 19.843 23.013 73 7.390 9.310 11.350 13.547 1_.945 18.524 21.607 25.055 74 7.943 9.991 12.173 14.518 17.088 19.849 23.147 26.826 75 8.370 10.524 12.815 15.283 17.983 20.881 24.339 28.203 76 8.717 10.952 13.335 15.901 18.704 21.709 25.298 29.310 77 9.064 11.387 13.863 16.525 19.427 22.544 26.268 30.424 78 9.617 12.079 14.701 17.514 20.586 23.886 27.824 32.219 79 10.443 13.112 15.950 18.999 22.329 25.900 30.163 34.924 80 11.286 14.164 17.225 20.516 24.104 27.953 32.550 37.684 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------- ------- ------- 0 0.123 0.119 0.119 0.127 0.161 0.200 0.257 0.311 15 1 0.123 0.119 0.119 0.127 0.161 0.200 0.257 0.311 16 2 0.119 0.119 0.127 0.161 0.200 0.257 0.311 0.365 17 3 0.119 0.127 0.161 0.200 0.257 0.311 0.365 0.411 18 4 0.127 0.161 0.200 0.257 0.311 0.365 0.411 0.445 19 5 0.161 0.200 0.257 0.311 0.365 0.411 0.445 0.457 20 6 0.200 0.257 0.311 0.365 0.411 0.445 0.457 0.433 21 7 0.257 0.311 0.365 0.411 0.445 0.457 0.443 0.416 22 8 0.311 0.365 0.411 0.445 0.457 0.452 0.425 0.403 23 9 0.365 0.411 0.445 0.457 0.462 0.434 0.411 0.394 24 10 0.411 0.445 0.457 0.471 0.443 0.420 0.402 0.381 25 11 0.445 0.457 0.480 0.452 0.429 0.411 0.390 0.373 26 12 0.457 0.490 0.461 0.438 0.419 0.398 0.381 0.357 27 13 0.490 0.470 0.446 0.428 0.406 0.389 0.365 0.368 28 14 0.470 0.455 0.436 0.415 0.397 0.373 0.376 0.374 29 15 0.455 0.441 0.423 0.405 0.380 0.384 0.382 0.382 30 16 0.441 0.431 0.410 0.388 0.392 0.390 0.390 0.390 31 17 0.431 0.421 0.399 0.402 0.400 0.400 0.399 0.390 32 18 0.418 0.410 0.391 0.396 0.400 0.403 0.399 0.393 33 19 0.395 0.395 0.378 0.390 0.397 0.403 0.404 0.405 34 20 0.376 0.383 0.369 0.384 0.391 0.405 0.416 0.423 35 21 0.387 0.399 0.393 0.403 0.415 0.429 0.448 0.459 36 22 0.384 0.401 0.404 0.413 0.433 0.457 0.485 0.506 37 23 0.390 0.413 0.422 0.435 0.463 0.495 0.521 0.553 38 24 0.405 0.434 0.456 0.472 0.510 0.550 0.583 0.620 39 25 0.431 0.466 0.497 0.526 0.573 0.621 0.657 0.699 40 26 0.453 0.498 0.535 0.578 0.626 0.681 0.727 0.768 41 27 0.497 0.552 0.594 0.641 0.696 0.756 0.806 0.845 42 28 0.547 0.611 0.654 0.705 0.764 0.830 0.884 0.931 43 29 0.606 0.682 0.729 0.780 0.842 0.908 0.969 1.027 44 30 0.678 0.761 0.812 0.866 0.928 0.998 1.063 1.138 45 31 0.745 0.835 0.891 0.951 1.018 1.095 1.170 1.261 46 32 0.800 0.899 0.959 1.027 1.100 1.185 1.274 1.378 47 33 0.853 0.962 1.033 1.111 1.204 1.312 1.421 1.544 48 34 0.909 1.023 1.108 1.203 1.323 1.455 1.583 1.740 49 35 0.986 1.104 1.202 1.314 1.450 1.599 1.743 1.923 50 36 1.066 1.195 1.307 1.433 1.586 1.754 1.917 2.109 51 37 1.159 1.303 1.425 1.562 1.728 1.916 2.104 2.294 52 38 1.289 1.451 1.575 1.719 1.893 2.098 2.313 2.498 53 39 1.436 1.611 1.745 1.901 2.095 2.329 2.581 2.786 54 40 1.562 1.758 1.897 2.062 2.275 2.529 2.818 3.074 55 41 1.695 1.909 2.069 2.262 2.499 2.792 3.140 3.484 56 42 1.369 2.111 2.300 2.521 2.785 3.118 3.514 3.946 57 43 2.002 2.287 2.511 2.775 3.090 3.467 3.919 4.442 58 44 2.139 2.464 2.740 3.062 3.431 3.862 4.364 4.978 59 45 2.288 2.658 2.996 3.377 3.811 4.298 4.865 5.541 60 46 2.467 2.878 3.271 3.717 4.222 4.782 5.420 6.145 61 47 2.702 3.131 3.563 4.053 4.616 5.235 5.919 6.676 62 48 2.977 3.419 3.874 4.409 5.028 5.703 6.460 7.281 63 49 3.274 3.733 4.211 4.782 5.448 6.201 7.042 7.955 64 50 3.573 4.062 4.577 5.201 5.957 6.824 7.811 8.883 65 51 3.964 4.500 5.046 5.733 6.571 7.555 8.677 9.895 66 52 4.361 4.944 5.546 6.304 7.239 8.345 9.603 10.966 67 53 4.749 5.391 6.069 6.919 7.958 9.175 10.576 12.107 68 54 5.135 5.854 6.620 7.582 8.724 10.054 11.600 13.259 69 55 5.537 6.342 7.214 8.292 9.550 11.005 12.712 14.474 70 56 5.960 6.868 7.855 9.057 10.446 12.048 13.925 15.919 71 57 6.415 7.444 8.549 9.890 11.432 13.196 15.269 17.547 72 58 6.934 8.077 9.303 10.789 12.498 14.463 16.765 19.277 73 59 7.548 8.781 10.122 11.744 13.648 15.853 18.410 21.179 74 60 8.253 9.563 11.010 12.780 14.896 17.366 20.209 23.256 75 61 9.036 10.419 12.030 14.022 16.448 19.316 22.571 26.158 76 62 9.882 11.366 13.158 15.396 18.167 21.439 25.191 29.378 77 63 10.757 12.365 14.421 17.017 20.251 24.131 28.570 33.703 78 64 11.679 13.430 15.728 18.637 22.312 26.707 31.759 37.718 79 65 12.726 14.645 17.259 20.620 24.857 29.974 35.879 42.841 80 66 13.975 16.075 18.995 22.733 27.455 33.160 39.770 47.364 81 67 15.499 17.829 21.150 25.387 30.723 37.183 44.743 53.353 82 68 17.400 19.976 23.669 28.300 34.093 41.112 49.445 58.852 83 69 19.670 22.536 26.722 31.863 38.240 46.012 55.409 66.325 84 70 22.298 25.479 30.216 35.877 42.859 51.405 61.928 74.720 85 71 24.316 27.778 33.165 39.627 47.608 57.382 69.441 82.964 86 72 26.514 30.270 36.527 44.057 53.357 64.783 78.389 93.496 87 73 28.850 32.929 40.163 48.873 59.654 72.920 87.537 105.112 88 74 30.881 35.247 43.278 52.969 64.981 79.148 95.165 114.793 89 75 32.464 37.038 45.791 56.371 69.484 84.257 101.772 123.273 90 76 33.726 38.471 47.558 58.537 72.114 87.076 105.249 127.535 91 77 35.001 39.921 49.345 60.700 74.757 89.931 108.751 131.851 92 78 37.062 42.267 52.214 64.215 78.546 94.581 114.487 138.855 93 79 40.169 45.783 56.545 69.542 84.271 101.634 123.129 149.486 94 80 43.317 49.361 60.965 74.932 90.112 108.778 131.924 160.319 95 176.350 96 193.985 97 213.384 98
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 MALE NONSMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ------ ------ ------ ------ ------ ------ ------ ------ 0 0.825 0.535 0.424 0.354 0.327 0.292 0.280 0.259 1 0.825 0.535 0.424 0.354 0.327 0.292 0.280 0.259 2 0.543 0.429 0.357 0.330 0.294 0.278 0.256 0.241 3 0.436 0.362 0.334 0.297 0.280 0.255 0.239 0.238 4 0.369 0.339 0.301 0.283 0.257 0.238 0.236 0.242 5 0.347 0.307 0.288 0.261 0.241 0.236 0.241 0.261 6 0.314 0.294 0.266 0.245 0.239 0.241 0.261 0.338 7 0.302 0.272 0.250 0.244 0.245 0.261 0.338 0.425 8 0.283 0.259 0.251 0.252 0.268 0.342 0.428 0.559 9 0.267 0.258 0.258 0.274 0.349 0.431 0.562 0.686 10 0.264 0.263 0.279 0.355 0.438 0.563 0.687 0.813 11 0.269 0.284 0.360 0.443 0.567 0.680 0.803 0.909 12 0.289 0.364 0.446 0.569 0.681 0.790 0.892 0.969 13 0.371 0.453 0.575 0.685 0.792 0.879 0.950 0.972 14 0.460 0.582 0.691 0.796 0.881 0.937 0.956 0.978 15 0.589 0.699 0.795 0.870 0.916 0.936 0.970 0.921 16 0.714 0.810 0.850 0.888 0.907 0.950 0.916 0.879 17 0.821 0.861 0.873 0.883 0.941 0.894 0.863 0.833 18 0.821 0.851 0.861 0.909 0.895 0.836 0.804 0.776 19 0.785 0.824 0.871 0.849 0.823 0.766 0.738 0.711 20 0.732 0.813 0.811 0.785 0.751 0.683 0.672 0.649 21 0.680 0.741 0.759 0.741 0.711 0.658 0.673 0.671 22 0.594 0.656 0.681 0.661 0.633 0.602 0.602 0.605 23 0.528 0.577 0.604 0.587 0.572 0.544 0.547 0.550 24 0.458 0.501 0.527 0.527 0.514 0.498 0.495 0.509 25 0.408 0.442 0.476 0.477 0.480 0.466 0.473 0.494 26 0.377 0.412 0.440 0.450 0.460 0.461 0.476 0.499 27 0.368 0.391 0.420 0.437 0.456 0.470 0.492 0.522 28 0.366 0.390 0.414 0.439 0.464 0.486 0.515 0.565 29 0.377 0.396 0.422 0.454 0.487 0.515 0.565 0.615 30 0.384 0.410 0.442 0.470 0.510 0.558 0.602 0.675 31 0.388 0.425 0.453 0.492 0.540 0.586 0.652 0.722 32 0.392 0.431 0.470 0.517 0.563 0.625 0.698 0.781 33 0.384 0.433 0.484 0.535 0.601 0.665 0.750 0.838 34 0.367 0.432 0.487 0.555 0.626 0.700 0.789 0.886 35 0.370 0.440 0.514 0.594 0.673 0.756 0.852 0.964 36 0.373 0.466 0.553 0.647 0.740 0.831 0.947 1.068 37 0.394 0.497 0.602 0.711 0.817 0.922 1.047 1.180 38 0.423 0.543 0.667 0.788 0.908 1.022 1.155 1.312 39 0.460 0.605 0.742 0.877 1.005 1.130 1.283 1.463 40 0.506 0.672 0.827 0.979 1.111 1.250 1.429 1.627 41 0.552 0.741 0.922 1.082 1.232 1.391 1.580 1.797 42 0.600 0.816 1.010 1.192 1.366 1.538 1.746 1.984 43 0.649 0.883 1.103 1.310 1.502 1.691 1.916 2.174 44 0.695 0.955 1.204 1.433 1.639 1.847 2.092 2.367 45 0.750 1.039 1.311 1.567 1.792 2.018 2.284 2.589 46 0.810 1.122 1.423 1.713 1.969 2.214 2.513 2.840 47 0.871 1.221 1 555 1.878 2.176 2.456 2.773 3.138 48 0.932 1.330 1.708 2.068 2.428 2.742 3.097 3.512 49 0.999 1.451 1.876 2.295 2.704 3.070 3.489 3.955 50 1.068 1.587 2.071 2.535 2.998 3.434 3.917 4.441 51 1.142 1.738 2.279 2.794 3.314 3.815 4.360 4.936 52 1.227 1.897 2.499 3.072 3.635 4.189 4.786 5.439 53 1.316 2.063 2.733 3.350 3.958 4.536 5.198 5.908 54 1.419 2.244 2.974 3.637 4.276 4.889 5.588 6.356 55 1.534 2.446 3.244 3.943 4.627 5.258 5.985 6.809 56 1.672 2.675 3.542 4.307 5.010 5.655 6.427 7.316 57 1.840 2.943 3.906 4.724 5.438 6.122 6.954 7.905 58 2.036 3.278 4.340 5.213 5.963 6.708 7.601 8.601 59 2.279 3.669 4.839 5.783 6.606 7.414 8.363 9.405 60 2.554 4.103 5.393 6.424 7.351 8.211 9.219 10.315 61 2.872 4.569 5.985 7.130 8.149 9.070 10.148 11.313 62 3.230 5.055 6.597 7.878 8.967 9.970 11.127 12.393 63 3.633 5.619 7.278 8.661 9.801 10.867 12.113 13.501 64 4.089 6.280 8.049 9.482 10.666 11.792 13.130 14.643 65 4.595 6.981 8.870 10.329 11.587 12.794 14.239 15.942 66 5.145 7.678 9.670 11.196 12.579 13.911 15.545 17.491 67 5.758 8.310 10.383 12.081 13.657 15.213 17.113 19.405 68 6.424 8.893 11.039 12.967 14.844 16.736 19.054 21.763 69 7.152 9.481 11.684 13.879 16.138 18.508 21.341 24.615 70 7.939 10.047 12.326 14.801 17.537 20.467 23.980 27.931 71 8.722 11.043 13.538 16.250 19.212 22.414 26.259 30.577 72 9.587 12.128 14.864 17.808 21.046 24.550 28.754 33.465 73 10.515 13.299 16.268 19.480 23.019 26.843 31.420 36.575 74 11.346 14.320 17.505 20.959 24.762 28.864 33.790 39.327 75 11.997 15.133 18.500 22.146 26.151 30.483 35.681 41.506 76 12.535 15.811 19.324 23.123 27.304 31.826 37.231 43.296 77 13.086 16.500 20.159 24.123 28.480 33.177 38.803 45.108 78 13.935 17.565 21.460 25.676 30.297 35.284 41.252 47.939 79 15.185 19.141 23.383 27.960 32.983 38.400 44.879 52.130 80 16.475 20.764 25.350 30.305 35.737 41.591 48.588 56.419 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------- ------- ------- ------- ------- 0 0.244 0.244 0.250 0.274 0.358 0.455 0.601 0.745 15 1 0.244 0.244 0.250 0.274 0.358 0.455 0.601 0.745 16 2 0.240 0.247 0.269 0.351 0.446 0.589 0.728 0.874 17 3 0.244 0.266 0.346 0.438 0.578 0.714 0.856 0.984 18 4 0.263 0.342 0.433 0.569 0.702 0.841 0.966 1.067 19 5 0.339 0.428 0.563 0.693 0.828 0.950 1.049 1.095 20 6 0.426 0.559 0.687 0.819 0.938 1.034 1.078 0.997 21 7 0.556 0.683 0.813 0.930 1.023 1.064 1.005 0.956 22 8 0.685 0.813 0.927 1.018 1.057 1.016 0.966 0.930 23 9 0.814 0.926 1.015 1.052 1.031 0.978 0.941 0.911 24 10 0.924 1.012 1.047 1.046 0.992 0.953 0.922 0.878 25 11 0.991 1.022 1.038 0.982 0.940 0.907 0.861 0.825 26 12 0.996 1.027 0.968 0.924 0.889 0.841 0.803 0.755 27 13 0.998 0.955 0.908 0.870 0.820 0.780 0.730 0.728 28 14 0.933 0.901 0.861 0.808 0.766 0.715 0.711 0.704 29 15 0.887 0.852 0.804 0.759 0.706 0.699 0.689 0.676 30 16 0.842 0.808 0.754 0.705 0.697 0.685 0.669 0.659 31 17 0.798 0.764 0.714 0.704 0.690 0.673 0.661 0.636 32 18 0.748 0.725 0.674 0.673 0.662 0.655 0.640 0.616 33 19 0.695 0.677 0.639 0.642 0.642 0.642 0.628 0.616 34 20 0.639 0.638 0.600 0.613 0.614 0.620 0.621 0.622 35 21 0.689 0.705 0.672 0.666 0.658 0.653 0.658 0.637 36 22 0.621 0.649 0.636 0.628 0.635 0.652 0.659 0.663 37 23 0.570 0.605 0.605 0.608 0.638 0.659 0.680 0.701 38 24 0.536 0.571 0.592 0.608 0.642 0.685 0.714 0.748 39 25 0.522 0.564 0.601 0.626 0.682 0.732 0.770 0.813 40 26 0.534 0.590 0.627 0.679 0.732 0.795 0.846 0.894 41 27 0.573 0.628 0.681 0.736 0.801 0.872 0.933 0.985 42 28 0.615 0.688 0.739 0.801 0.871 0.953 1.023 1.088 43 29 0.683 0.767 0.824 0.885 0.960 1.045 1.123 1.198 44 30 0.752 0.844 0.906 0.974 1.054 1.145 1.228 1.330 45 31 0.817 0.915 0.985 1.063 1.151 1.249 1.352 1.479 46 32 0.880 0.990 1.070 1.162 1.257 1.375 1.504 1.652 47 33 0.944 1.067 1.161 1.260 1.384 1.532 1.682 1.854 48 34 0.999 l.126 1.234 1.360 1.520 1.697 1.876 2.094 49 35 1.088 1.217 1.348 1.503 1.688 1.895 2.104 2.364 50 36 1.197 1.346 1.500 1.674 1.886 2.125 2.364 2.643 51 37 1.329 1.500 1.670 1.864 2.101 2.371 2.645 2.936 52 38 1.484 1.673 1.855 2.069 2.326 2.629 2.960 3.257 53 39 1.656 1.861 2.060 2.291 2.572 2.921 3.295 3.625 54 40 1.840 2.075 2.285 2.532 2.852 3.229 3.667 4.079 55 41 2.040 2.300 2.532 2.817 3.157 3.582 4.092 4.614 56 42 2.252 2.542 2.817 3.131 3.511 3.993 4.570 5.212 57 43 2.459 2.810 3.119 3.487 3.929 4.461 5.103 5.848 58 44 2.682 3.082 3.455 3.894 4.400 4.992 5.684 6.557 59 45 2.921 3.387 3.837 4.346 4.926 5.578 6.362 7.296 60 46 3.210 3.737 4.254 4.840 5.499 6.253 7.111 8.095 61 47 3.586 4.146 4.723 5.375 6.147 6.995 7.940 8.991 62 48 4.029 4.616 5.223 5.980 6.844 7.795 8.865 10.035 63 49 4.521 5.138 5.820 6.632 7.588 8.672 9.893 11.227 64 50 5.032 5.723 6.446 7.328 8.395 9.624 11.023 12.531 65 51 5.586 6.338 7.129 8.122 9.337 10.772 12.397 14.169 66 52 6.143 6.966 7.877 9.027 10.452 12.134 14.064 16.185 67 53 6.691 7.598 8.647 9.964 11.572 13.470 15.686 18.135 68 54 7.237 8.255 9.486 11.024 12.871 15.057 17.628 20.441 69 55 7.809 8.950 10.359 12.113 14.198 16.644 19.552 22.656 70 56 8.411 9.689 11.304 13.302 15.648 18.399 21.697 25.300 71 57 9.050 10.498 12.309 14.528 17.128 20.178 23.825 27.960 72 58 9.779 11.395 13.397 15.851 18.748 22.146 26.226 30.806 73 59 10.649 12.391 14.616 17.362 20.651 24.568 29.217 34.441 74 60 11.646 13.497 15.918 18.921 22.597 26.991 32.198 37.949 75 61 12.753 14.723 17.394 20.753 24.915 29.958 35.806 42.415 76 62 13.964 16.085 19.000 22.679 27.312 32.862 39.344 46.761 77 63 15.223 17.542 20.775 24.907 30.083 36.360 43.676 52.244 78 64 16.570 19.109 22.718 27.299 33.121 40.186 48.411 58.206 79 65 18.108 20.920 24.887 30.000 36.502 44.407 53.599 64.541 80 66 19.963 23.040 27.444 33.121 40.318 49.059 59.285 71.152 81 67 22.215 25.638 30.524 36.768 44.640 54.224 65.512 78.405 82 68 25.021 28.838 34.245 41.031 49.557 59.939 72.285 86.266 83 69 28.397 32.657 38.607 45.940 55.067 66.183 79.627 95.256 84 70 32.312 37.050 43.609 51.466 61.143 72.982 87.553 105.249 85 71 35.359 40.550 47.837 56.549 67.300 80.451 96.648 114.939 86 72 38.706 44.376 52.575 62.413 74.551 89.424 107.433 126.935 87 73 42.293 48.460 57.685 68.751 82.420 99.164 118.013 139.875 88 74 45.448 52.066 62.097 74.144 89.025 107.015 126.566 150.356 89 75 47.956 54.914 65.632 78.501 94.398 112.688 133.563 159.010 90 76 50.004 57.242 68.384 81.762 98.161 116.612 138.295 164.695 91 77 52.078 59.590 71.166 84.948 101.942 120.586 143.062 170.418 92 78 55.322 63.280 75.449 90.023 107.675 126.957 150.723 179.492 93 79 60.139 68.677 81.849 97.649 115.650 136.521 162.104 193.253 94 80 64.979 74.173 88.390 105.398 123.772 146.137 173.714 207.271 95 227.999 96 250.798 97 275.878 98 303.466 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 FEMALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ----- ------ ------ ------ ------ ------ ------ ------ ------ 18 0.352 0.374 0.388 0.439 0.461 0.463 0.459 0.459 0.460 19 0.343 0.369 0.418 0.427 0.439 0.439 0.439 0.439 0.445 20 0.326 0.389 0.405 0.409 0.416 0.410 0.419 0.420 0.435 21 0.342 0.384 0.404 0.405 0.410 0.405 0.423 0.437 0.462 22 0.332 0.376 0.401 0.403 0.408 0.413 0.427 0.443 0.475 23 0.330 0.371 0.402 0.404 0.415 0.426 0.442 0.465 0.499 24 0.322 0.365 0.397 0.410 0.428 0.446 0.464 0.493 0.534 25 0.319 0.357 0.397 0.417 0.448 0.474 0.498 0.534 0.581 26 0.309 0.349 0.390 0.417 0.459 0.498 0.528 0.569 0.622 27 0.316 0.353 0.396 0.435 0.485 0.536 0.578 0.626 0.692 28 0.331 0.368 0.413 0.458 0.514 0.578 0.626 0.692 0.772 29 0.351 0.390 0.436 0.487 0.555 0.626 0.692 0.772 0.866 30 0.379 0.424 0.475 0.527 0.601 0.692 0.766 0.866 0.981 31 0.400 0.456 0.507 0.569 0.649 0.753 0.846 0.953 1.092 32 0.414 0.474 0.534 0.599 0.690 0.807 0.916 1.038 1.187 33 0.415 0.483 0.552 0.632 0.740 0.868 0.992 1.124 1.282 34 0.409 0.490 0.573 0.668 0.791 0.935 1.068 1.215 1.378 35 0.414 0.511 0.609 0.725 0.858 1.021 1.164 1.325 1.506 36 0.420 0.536 0.654 0.785 0.940 1.115 1.278 1.450 1.641 37 0.440 0.571 0.708 0.858 1.030 1.222 1.396 1.588 1.792 38 0.479 0.631 0.796 0.964 1.153 1.362 1.555 1.769 1.985 39 0.529 0.714 0.896 1.079 1.284 1.522 1.730 1.957 2.203 40 0.578 0.787 0.986 1.189 1.406 1.654 1.876 2.122 2.387 41 0.626 0.857 1.085 1.301 1.532 1.791 2.022 2.286 2.579 42 0.685 0.948 1.199 1.436 1.685 1.968 2.221 2.509 2.832 43 0.731 1.016 1.287 1.535 1.805 2.109 2.374 2.680 3.010 44 0.775 1.079 1.366 1.636 1.919 2.243 2.527 2.839 3.175 45 0.820 1.140 1.448 1.742 2.043 2.389 2.684 3.002 3.354 46 0.861 1.199 1.530 1.852 2.186 2.548 2.854 3.193 3.571 47 0.900 1.269 1.626 1.977 2.347 2.730 3.052 3.416 3.844 48 0.937 1.345 1.738 2.115 2.530 2.951 3.298 3.683 4.161 49 0.976 1.426 1.853 2.265 2.727 3.197 3.678 3.994 4.496 50 1.014 1.513 1.973 2.421 2.923 3.441 3.866 4.315 4.817 51 1.076 1.636 2.149 2.639 3.182 3.765 4.237 4.725 5.223 52 1.142 1.769 2.332 2.858 3.438 4.071 4.582 5.085 5.610 53 1.213 1.903 2.512 3.069 3.685 4.342 4.860 5.395 5.991 54 1.293 2.038 2.692 3.281 3.922 4.571 5.103 5.691 6.352 55 1.376 2.188 2.891 3.504 4.145 4.802 5.359 5.975 6.712 56 1.477 2.356 3.110 3.738 4.384 5.063 5.640 6.289 7.077 57 1.601 2.553 3.349 4.004 4.665 5.373 5.977 6.651 7.460 58 1.746 2.777 3.635 4.333 5.015 5.766 6.396 7.089 7.890 59 1.908 3.036 3.974 4.711 5.440 6.239 6.893 7.589 8.403 60 2.089 3.329 4.341 5.126 5.926 6.768 7.438 8.139 8.984 61 2.303 3.634 4.718 5.569 6.436 7.319 8.007 8.727 9.612 62 2.539 3.938 5.091 6.028 6.933 7.867 8.683 9.340 10.267 63 2.797 4.284 5.502 6.487 7.410 8.383 9.129 9.926 10.911 64 3.081 4.691 5.956 6.946 7.883 8.888 9.654 10.495 11.557 65 3.392 5.105 6.419 7.396 8.367 9.407 10.206 11.119 12.278 66 3.718 5.490 6.841 7.833 8.862 9.970 10.841 11.860 13.137 67 4.069 5.809 7.177 8.246 9.379 10.610 11.604 12.770 14.283 68 4.438 6.074 7.443 8.628 9.920 11.347 12.539 13.992 15.711 69 4.827 6.317 7.680 8.986 10.484 12.180 13.721 15.456 17.397 70 5.227 6.526 7.884 9.316 11.058 13.159 15.057 17.111 19.307 71 5.599 6.979 8.419 9.927 11.836 14.074 16.087 18.270 20.602 72 5.988 7.452 8.971 10.628 12.662 15.040 17.181 19.499 21.973 73 6.385 7.931 9.593 11.354 13.513 16.040 18.307 20.764 23.372 74 6.686 8.343 10.080 11.919 14.177 16.818 19.182 21.733 24.448 75 6.907 8.611 10.394 12.284 14.600 17.305 19.718 22.327 25.098 76 7.049 8.778 10.589 12.507 14.852 17.588 20.028 22.660 25.447 77 7.179 8.934 10.772 12.712 15.081 17.847 20.308 22.955 25.760 78 7.457 9.274 11.173 13.172 15.616 18.467 20.993 23.712 26.589 79 7.923 9.847 11.851 13.962 16.540 19.542 22.199 25.055 28.073 80 8.376 10.398 12.506 14.723 17.426 20.573 23.352 26.337 29.734 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------ ------- ------- 18 0.462 0.470 0.512 0.558 0.605 0.642 0.675 33 19 0.457 0.470 0.523 0.573 0.624 0.665 0.707 34 20 0.457 0.475 0.533 0.582 0.641 0.697 0.748 35 21 0.494 0.524 0.575 0.630 0.691 0.762 0.824 36 22 0.514 0.554 0.604 0.670 0.747 0.836 0.920 37 23 0.544 0.593 0.646 0.727 0.818 0.910 1.018 38 24 0.586 0.652 0.711 0.811 0.922 1.031 1.157 39 25 0.640 0.719 0.803 0.924 1.054 1.176 1.320 40 26 0.693 0.785 0.895 1.022 1.172 1.319 1.468 41 27 0.778 0.883 1.006 1.151 1.317 1.479 1.628 42 28 0.872 0.985 1.120 1.278 1.464 1.636 1.809 43 29 0.987 1.112 1.255 1.426 1.616 1.807 2.012 44 30 1.116 1.255 1.411 1.586 1.790 2.000 2.237 45 31 1.240 1.393 1.561 1.753 1.979 2.210 2.469 46 32 1.351 1.513 1.700 1.910 2.151 2.398 2.688 47 33 1.457 1.643 1.854 2.098 2.371 2.662 2.999 48 34 1.562 1.777 2.015 2.297 2.619 2.955 3.366 49 35 1.700 1.934 2.192 2.507 2.866 3.239 3.706 50 36 1.848 2.096 2.381 2.732 3.132 3.549 4.031 51 37 2.007 2.275 2.585 2.965 3.407 3.862 4.330 52 38 2.225 2.504 2.834 3.234 3.700 4.193 4.656 53 39 2.461 2.764 3.120 3.550 4.058 4.622 5.127 54 40 2.674 2.991 3.358 3.807 4.351 4.982 5.561 55 41 2.892 3.236 3.637 4.130 4.742 5.457 6.194 56 42 3.173 3.554 4.003 4.544 5.206 6.001 6.891 57 43 3.395 3.831 4.351 4.956 5.687 6.574 7.617 58 44 3.612 4.127 4.719 5.408 6.223 7.188 8.340 59 45 3.847 4.436 5.114 5.900 6.802 7.830 9.064 60 46 4.094 4.759 5.530 6.419 7.393 8.517 9.860 61 47 4.377 5.092 5.921 6.857 7.903 9.122 10.502 62 48 4.694 5.436 6.292 7.293 8.445 9.762 11.225 63 49 5.033 5.774 6.663 7.750 9.002 10.428 12.014 64 50 5.351 6.128 7.108 8.308 9.709 11.330 13.135 65 51 5.788 6.627 7.683 8.981 10.529 12.325 14.319 66 52 6.237 7.141 8.279 9.693 11.387 13.349 15.525 67 53 6.669 7.657 8.900 10.433 12.253 14.383 16.760 68 54 7.095 8.182 9.550 11.193 13.136 15.425 17.936 69 55 7.530 8.731 10.222 11.987 14.058 16.519 19.125 70 56 7.986 9.303 10.923 12.821 15.040 17.675 20.534 71 57 8.471 9.906 11.662 13.711 16.091 18.920 22.081 72 58 8.992 10.540 12.432 14.642 17.216 20.266 23.653 73 59 9.559 11.207 13.219 15.609 18.410 21.698 25.319 74 60 10.172 11.907 14.043 16.620 19.664 23.207 27.256 75 61 10.825 12.701 15.031 17.893 21.310 25.411 30.036 76 62 11.528 13.552 16.092 19.256 23.188 27.787 33.043 77 63 12.235 14.481 17.330 21.043 25.571 30.869 37.112 78 64 12.957 15.389 18.606 22.716 27.722 33.594 40.642 79 65 13.767 16.555 20.170 24.788 30.459 37.137 45.151 80 66 14.814 17.852 21.782 26.804 32.973 40.262 48.798 81 67 16.098 19.469 23.814 29.351 36.164 44.283 53.715 82 68 17.667 21.331 25.976 31.858 39.090 47.819 57.862 83 69 19.513 23.566 28.606 34.931 42.750 52.331 63.642 84 70 21.588 26.063 31.488 38.257 46.642 57.081 69.936 85 71 23.020 27.966 33.985 41.501 50.812 62.434 75.884 86 72 24.523 30.098 36.899 45.394 55.956 69.161 83.471 87 73 26.068 32.319 39.949 49.504 61.396 75.477 92.236 88 74 27.250 33.988 42.233 52.565 65.437 80.658 98.999 89 75 27.946 35.078 43.811 54.755 68.976 84.785 104.450 90 76 28.314 35.513 44.320 55.815 70.240 86.193 106.175 91 77 28.640 35.895 45.139 56.826 71.324 87.520 107.806 92 78 29.540 37.305 46.894 59.014 73.690 90.468 112.425 93 79 31.427 39.674 49.853 62.706 77.706 96.294 119.823 94 80 33.274 41.990 52.738 66.307 82.293 102.124 127.204 95 139.924 96 153.916 97 169.308 98 186.239 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 MALE PREFERRED SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 18 0.739 0.775 0.793 0.853 0.880 0.870 0.851 0.838 0.824 19 0.707 0.750 0.808 0.809 0.822 0.810 0.797 0.782 0.783 20 0.659 0.745 0.763 0.759 0.762 0.738 0.739 0.731 0.738 21 0.616 0.690 0.725 0.728 0.736 0.724 0.758 0.776 0.820 22 0.546 0.619 0.661 0.663 0.668 0.679 0.696 0.720 0.774 23 0.492 0.553 0.599 0.599 0.617 0.629 0.651 0.686 0.733 24 0.434 0.490 0.532 0.551 0.569 0.593 0.617 0.653 0.703 25 0.394 0.441 0.492 0.512 0.548 0.581 0.608 0.648 0.703 26 0.372 0.421 0.467 0.498 0.549 0.593 0.624 0.671 0.735 27 0.371 0.410 0.459 0.506 0.561 0.616 0.663 0.719 0.792 28 0.379 0.421 0.473 0.523 0.583 0.654 0.709 0.782 0.869 29 0.402 0.447 0.497 0.552 0.628 0.709 0.782 0.869 0.974 30 0.429 0.478 0.532 0.588 0.672 0.771 0.851 0.961 1.088 31 0.446 0.505 0.559 0.629 0.715 0.828 0.928 1.045 1.195 32 0.461 0.526 0.593 0.664 0.762 0.890 1.010 1.142 1.306 33 0.463 0.540 0.614 0.702 0.820 0.962 1.097 1.243 1.418 34 0.453 0.541 0.630 0.734 0.869 1.024 1.170 1.331 1.513 35 0.458 0.563 0.671 0.798 0.943 1.121 1.280 1.459 1.660 36 0.471 0.601 0.734 0.878 1.052 1.248 1.434 1.628 1.844 37 0.503 0.652 0.807 0.978 1.175 1.396 1.596 1.818 2.059 38 0.548 0.720 0.908 1.099 1.318 1.558 1.780 2.033 2.288 39 0.603 0.813 1.022 1.233 1.469 1.742 1.988 2.255 2.544 40 0.672 0.915 1.149 1.386 1.640 1.937 2.204 2.498 2.815 41 0.742 1.017 1.290 1.548 1.829 2.145 2.427 2.750 3.109 42 0.814 1.127 1.427 1.714 2.019 2.362 2.671 3.024 3.411 43 0.886 1.232 1.567 1.875 2.210 2.587 2.919 3.293 3.695 44 0.959 1.341 1.703 2.044 2.402 2.814 3.168 3.557 3.975 45 1.041 1.451 1.846 2.226 2.616 3.057 3.433 3.838 4.281 46 1.119 1.562 1.996 2.423 2.857 3.328 3.726 4.163 4.644 47 1.198 1.693 2.173 2.640 3.133 3.641 4.065 4.539 5.100 48 1.277 1.837 2.372 2.885 3.449 4.019 4.481 4.996 5.631 49 1.364 1.991 2.585 3.158 3.797 4.441 4.963 5.527 6.202 50 1.448 2.161 2.815 3.450 4.156 4.884 5.474 6.092 6.787 51 1.536 2.334 3.063 3.752 4.517 5.331 5.981 6.657 7.356 52 1.629 2.520 3.316 4.056 4.868 5.747 6.456 7.162 7.906 53 1.728 2.705 3.565 4.346 5.203 6.118 6.845 7.603 8.440 54 1.839 2.893 3.812 4.632 5.526 6.438 7.192 8.017 8.948 55 1.954 3.098 4.081 4.938 5.838 6.767 7.549 8.418 9.465 56 2.092 3.325 4.381 5.265 6.178 7.132 7.946 8.867 9.984 57 2.260 3.597 4.717 5.643 6.571 7.570 8.429 9.383 10.521 58 2.460 3.912 5.123 6.104 7.065 8.130 9.022 9.999 11.128 59 2.688 4.278 5.597 6.638 7.671 8.801 9.722 10.703 11.857 60 2.944 4.689 6.115 7.228 8.360 9.546 10.491 11.485 12.675 61 3.244 5.119 6.653 7.856 9.078 10.322 11.299 12.313 13.565 62 3.577 5.552 7.182 8.502 9.778 11.100 12.110 13.182 14.509 63 3.943 6.044 7.760 9.150 10.456 11.827 12.884 14.028 15.440 64 4.346 6.616 8.400 9.801 11.123 12.543 13.642 14.852 16.396 65 4.784 7.200 9.057 10.435 11.809 13.293 14.442 15.774 17.471 66 5.244 7.747 9.652 11.055 12.523 14.109 15.381 16.876 18.766 67 5.741 8.196 10.129 11.652 13.272 15.052 16.511 18.242 20.473 68 6.261 8.572 10.519 12.209 14.074 16.147 17.912 20.056 22.592 69 6.812 8.927 10.868 12.748 14.919 17.399 19.667 22.225 25.113 70 7.386 9.234 11.185 13.256 15.796 18.861 21.651 24.701 27.976 71 7.922 9.902 11.980 14.181 16.965 20.238 23.223 26.473 29.958 72 8.495 10.604 12.815 15.234 18.208 21.711 24.895 28.353 32.078 73 9.085 11.330 13.749 16.327 19.506 23.241 26.621 30.312 34.262 74 9.551 11.959 14.495 17.206 20.542 24.455 28.003 31.859 35.978 75 9.901 12.382 15.005 17.799 21.229 25.263 28.906 32.857 37.075 76 10.136 12.671 15.344 18.186 21.682 25.782 29.473 33.473 37.727 77 10.363 12.945 15.664 18.558 22.107 26.264 29.999 34.033 38.326 78 10.804 13.485 16.311 19.309 22.981 27.279 31.125 35.280 39.688 79 11.521 14.375 17.372 20.547 24.433 28.972 33.029 37.399 42.031 80 12.227 15.243 18.404 21.749 25.835 30.609 34.857 39.431 44.609 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------- ------- ------- 18 0.817 0.811 0.869 0.931 0.988 1.025 1.054 33 19 0.783 0.792 0.867 0.930 0.989 1.032 1.078 34 20 0.760 0.778 0.852 0.908 0.979 1.045 1.095 35 21 0.878 0.898 0.947 0.998 1.055 1.113 1.145 36 22 0.834 0.868 0.916 0.986 1.058 1.137 1.200 37 23 0.794 0.847 0.907 0.996 1.092 1.184 1.290 38 24 0.769 0.848 0.911 1.022 1.145 1.263 1.391 39 25 0.776 0.865 0.959 1.095 1.243 1.375 1.533 40 26 0.817 0.921 1.048 1.195 1.364 1.534 1.706 41 27 0.888 1.010 1.153 1.320 1.517 1.712 1.896 42 28 0.981 1.113 1.269 1.456 1.679 1.892 2.110 43 29 1.110 1.254 1.422 1.626 1.857 2.093 2.347 44 30 1.235 1.398 1.584 1.799 2.049 2.312 2.621 45 31 1.357 1.539 1.744 1.979 2.259 2.560 2.901 46 32 1.486 1.687 1.919 2.184 2.501 2.833 3.227 47 33 1.616 1.842 2.103 2.417 2.772 3.156 3.606 48 34 1.718 1.979 2.282 2.643 3.060 3.505 4.057 49 35 1.876 2.174 2.511 2.923 3.402 3.917 4.553 50 36 2.085 2.408 2.785 3.254 3.800 4.374 5.051 51 37 2.313 2.670 3.088 3.609 4.214 4.856 5.535 52 38 2.570 2.953 3.416 3.972 4.636 5.360 6.070 53 39 2.847 3.267 3.758 4.359 5.081 5.900 6.669 54 40 3.161 3.602 4.123 4.768 5.554 6.481 7.378 55 41 3.483 3.960 4.524 5.218 6.082 7.112 8.199 56 42 3.820 4.346 4.972 5.728 6.666 7.803 9.094 57 43 4.166 4.759 5.466 6.301 7.316 8.552 10.032 58 44 4.517 5.202 6.001 6.933 8.038 9.366 10.981 59 45 4.900 5.680 6.579 7.620 8.830 10.235 11.940 60 46 5.316 6.188 7.193 8.364 9.664 11.180 12.984 61 47 5.794 6.743 7.855 9.127 10.564 12.234 14.138 62 48 6.333 7.346 8.531 9.931 11.538 13.390 15.468 63 49 6.930 7.978 9.247 10.792 12.584 14.648 16.947 64 50 7.537 8.635 10.013 11.705 13.690 15.984 18.526 65 51 8.157 9.359 10.879 12.761 15.005 17.607 20.506 66 52 8.786 10.137 11.853 13.989 16.555 19.552 22.917 67 53 9.395 10.908 12.812 15.168 17.990 21.336 25.102 68 54 10.005 11.719 13.884 16.515 19.676 23.438 27.651 69 55 10.623 12.535 14.934 17.825 21.259 25.406 29.937 70 56 11.264 13.389 16.045 19.203 22.968 27.539 32.633 71 57 11.947 14.265 17.130 20.542 24.605 29.519 35.183 72 58 12.688 15.176 18.266 21.964 26.361 31.701 37.799 73 59 13.486 16.181 19.543 23.617 28.530 34.437 41.176 74 60 14.356 17.215 20.789 25.211 30.563 36.977 44.476 75 61 15.297 18.362 22.246 27.105 33.052 40.311 48.703 76 62 16.314 19.568 23.705 28.950 35.543 43.397 52.591 77 63 17.358 20.864 25.366 31.260 38.529 47.187 57.524 78 64 18.437 22.229 27.254 33.719 41.709 51.204 62.716 79 65 19.667 23.872 29.345 36.399 45.122 55.476 68.024 80 66 21.233 25.792 31.732 39.360 48.781 60.022 73.305 81 67 23.149 28.097 34.486 42.645 52.740 64.834 78.934 82 68 25.504 30.860 37.660 46.309 56.987 69.905 84.816 83 69 28.274 34.045 41.246 50.300 61.488 75.204 91.399 84 70 31.391 37.618 45.168 54.577 66.218 80.698 98.506 85 71 33.606 40.336 48.496 58.667 71.238 86.892 105.141 86 72 35.949 43.320 52.273 63.423 77.236 94.428 113.368 87 73 38.363 46.418 56.194 68.394 83.491 101.823 122.826 88 74 40.253 48.766 59.113 72.014 87.985 107.382 129.779 89 75 41.432 50.275 61.010 74.390 91.649 111.407 134.875 90 76 42.127 51.063 61.906 75.985 93.542 113.401 137.264 91 77 42.750 51.769 63.178 77.487 95.351 115.282 139.521 92 78 44.227 53.913 65.743 80.599 99.039 119.273 145.527 93 79 47.148 57.430 70.002 85.766 104.520 126.961 155.098 94 80 50.002 60.880 74.161 90.811 110.708 134.653 164.658 95 181.124 96 199.237 97 219.160 98 241.076 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 FEMALE SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 ------ ------ ------ ------ ------ ------ ------ ------ 18 0.391 0.440 0.482 0.846 0.894 0.892 0.884 0.885 19 0.381 0.434 0.805 0.821 0.851 0.847 0.847 0.847 20 0.362 0.709 0.780 0.787 0.807 0.791 0.808 0.809 21 0.589 0.700 0.777 0.780 0.795 0.781 0.815 0.842 22 0.572 0.685 0.772 0.775 0.790 0.796 0.823 0.853 23 0.569 0.677 0.774 0.778 0.804 0.822 0.853 0.896 24 0.555 0.665 0.765 0.790 0.829 0.861 0.895 0.951 25 0.549 0.651 0.765 0.803 0.867 0.913 0.960 1.029 26 0.533 0.636 0.751 0.803 0.890 0.960 1.017 1.097 27 0.545 0.643 0.762 0.838 0.940 1.033 1.114 1.207 28 0.569 0.671 0.794 0.882 0.996 1.114 1.207 1.334 29 0.605 0.711 0.838 0.937 1.075 1.207 1.334 1.488 30 0.652 0.773 0.915 1.014 1.165 1.334 1.476 1.670 31 0.690 0.832 0.975 1.095 1.257 1.452 1.631 1.836 32 0.713 0.864 1.027 1.153 1.337 1.555 1.765 2.002 33 0.714 0.881 1.062 1.217 1.433 1.673 1.912 2.167 34 0.704 0.894 1.103 1.286 1.532 1.803 2.059 2.341 35 0.713 0.932 1.172 1.395 1.663 1.968 2.245 2.554 36 0.723 0.978 1.259 1.510 1.821 2.150 2.465 2.796 37 0.758 1.041 1.364 1.652 1.996 2.355 2.691 3.062 38 0.825 1.152 1.533 1.855 2.234 2.627 2.998 3.411 39 0.911 1.301 1.724 2.076 2.488 2.933 3.336 3.772 40 0.996 1.435 1.899 2.289 2.724 3.188 3.616 4.092 41 1.079 1.562 2.089 2.505 2.968 3.453 3.898 4.408 42 1.180 1.729 2.308 2.763 3.265 3.794 4.283 4.836 43 1.259 1.852 2.477 2.954 3.497 4.065 4.577 5.168 44 1.334 1.967 2.630 3.149 3.718 4.325 4.872 5.474 45 1.413 2.079 2.787 1.353 3.958 4.605 5.174 5.788 46 1.483 2.187 2.945 3.565 4.236 4.911 5.503 6.156 47 1.550 2.315 3.130 3.806 4.548 5.262 5.883 6.585 48 1.614 2.452 3.344 4.071 4.902 5.690 6.358 7.101 49 1.681 2.601 3.567 4.360 5.283 6.162 6.897 7.699 50 1.746 2.760 3.798 4.660 5.664 6.634 7.453 8.319 51 1.853 2.983 4.137 5.080 6.165 7.258 8.168 9.109 52 1.966 3.225 4.489 5.501 6.660 7.848 8.834 9.803 53 2.088 3.470 4.834 5.907 7.141 8.371 9.370 10.402 54 2.227 3.717 5.182 6.316 7.599 8.813 9.838 10.971 55 2.370 3.989 5.564 6.746 8.031 9.258 10.331 11.520 56 2.545 4.296 5.986 7.195 8.494 9.761 10.874 12.123 57 2.757 4.655 6.447 7.708 9.038 10.358 11.524 12.823 58 3.006 5.065 6.997 8.340 9.716 11.115 12.330 13.667 59 3.287 5.536 7.648 9.069 10.541 12.027 13.289 14.630 60 3.598 6.070 9.355 9.866 11.482 13.048 14.340 15.691 61 3.966 6.626 9.082 10.719 12.470 14.109 15.437 16.824 62 4.373 7.180 9.799 11.603 13.432 15.166 16.547 18.006 63 4.816 7.813 10.590 12.487 14.357 16.161 17.599 19.137 64 5.306 8.554 11.465 13.369 15.274 17.134 18.611 20.234 65 5.841 9.309 12.355 14.236 16.211 18.135 19.675 21.435 66 6.403 10.012 13.168 15.077 17.170 19.221 20.901 22.864 67 7.007 10.593 13.814 15.871 18.173 20.454 22.370 24.619 68 7.643 11.076 14.327 16.607 19.220 21.876 24.173 26.975 69 8.313 11.519 14.784 17.296 20.313 23.481 26.452 29.796 70 9.002 11.900 15.176 17.932 21.425 25.369 29.028 32.988 71 9.642 12.727 16.205 19.108 22.932 27.132 31.014 35.223 72 10.313 13.589 17.267 20.458 24.533 28.995 33.123 37.591 73 10.996 14.463 18.464 21.855 26.180 30.922 35.294 40.029 74 11.515 15.214 19.403 22.943 27.468 32.422 36.981 41.898 75 11.896 15.702 20.007 23.645 28.287 33.361 38.014 43.044 76 12.139 16.006 20.383 24.073 28.776 33.906 38.611 43.685 77 12.364 16.292 20.734 24.469 29.219 34.406 39.151 44.255 78 12.842 16.911 21.506 25.353 30.255 35.601 40.472 45.714 79 13.646 17.956 22.811 26.874 32.047 37.674 42.797 48.302 80 14.425 18.961 24.072 28.340 33.763 39.661 45.019 50.773 [x]+8 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------ ------ ------ ------- ------- ------- ------- 18 0.887 0.890 0.874 0.918 0.963 1.007 1.031 1.044 33 19 0.858 0.880 0.873 0.936 0.989 1.038 1.067 1.094 34 20 0.839 0.880 0.883 0.954 1.004 1.068 1.119 1.158 35 21 0.891 0.952 0.974 1.029 1.088 1.151 1.224 1.275 36 22 0.916 0.991 1.029 1.082 1.158 1.244 1.342 1.424 37 23 0.962 1.049 1.102 1.158 1.255 1.362 1.461 1.575 38 24 1.029 1.129 1.212 1.273 1.400 1.534 1.655 1.790 39 25 1.120 1.235 1.336 1.439 1.595 1.755 1.888 2.043 40 26 1.199 1.337 1.459 1.603 1.765 1.951 2.117 2.272 41 27 1.334 1.500 1.641 1.801 1.987 2.193 2.375 2.520 42 28 1.488 1.682 1.829 2.006 2.207 2.437 2.625 2.801 43 29 1.670 1.903 2.067 2.248 2.462 2.689 2.901 3.114 44 30 1.890 2.151 2.332 2.527 2.738 2.979 3.211 3.463 45 31 2.105 2.390 2.588 2.796 3.027 3.295 3.547 3.822 46 32 2.289 2.604 2.811 3.045 3.298 3.581 3.849 4.161 47 33 2.471 2.810 3.053 3.320 3.623 3.948 4.274 4.642 48 34 2.657 3.012 3.301 3.609 3.966 4.360 4.743 5.210 49 35 2.903 3.278 3.593 3.926 4.329 4.771 5.199 5.737 50 36 3.164 3.564 3.894 4.264 4.718 5.215 5.697 6.240 51 37 3.454 3.869 4.227 4.629 5.119 5.672 6.200 6.702 52 38 3.826 4.289 4.652 5.075 5.584 6.160 6.731 7.207 53 39 4.246 4.744 5.135 5.589 6.129 6.756 7.419 7.936 54 40 4.601 5.155 5.558 6.014 6.574 7.243 7.998 8.607 55 41 4.972 5.575 6.012 6.515 7.131 7.894 8.759 9.587 56 42 5.460 6.118 6.603 7.169 7.846 8.666 9.633 10.666 57 43 5.802 6.544 7.119 7.793 8.557 9.468 10.533 11.790 58 44 6.121 6.964 7.669 8.452 9.338 10.360 11.539 12.909 59 45 6.465 7.417 8.243 9.160 10.188 11.323 12.569 14.030 60 46 6.884 7.892 8.843 9.904 11.084 12.308 13.672 15.262 61 47 7.410 8.439 9.461 10.604 11.840 13.157 14.643 16.255 62 48 8.023 9.050 10.101 11.269 12.592 14.058 15.670 17.374 63 49 8.667 9.703 10.729 11.934 13.382 14.985 16.739 18.595 64 50 9.287 10.317 11.385 12.731 14.345 16.162 18.188 20.331 65 51 10.069 11.158 12.313 13.760 15.506 17.528 19.784 22.163 66 52 10.815 12.024 13.268 14.827 16.736 18.957 21.428 24.029 67 53 11.550 12.856 14.228 15.940 18.015 20.398 23.087 25.941 68 54 12.245 13.679 15.202 17.105 19.327 21.868 24.760 27.762 69 55 12.940 14.517 16.222 18.308 20.697 23.404 26.516 29.601 70 56 13.644 15.396 17.285 19.563 22.138 25.038 28.371 31.783 71 57 14.381 16.330 18.406 20.888 23.675 26.788 30.370 34.178 72 58 15.211 17.335 19.584 22.266 25.281 28.661 32.531 36.610 73 59 16.200 18.428 20.823 23.676 26.952 30.649 34.829 39.189 74 60 17.319 19.610 22.124 25.152 28.696 32.735 37.252 42.187 75 61 18.530 20.869 23.599 26.921 30.896 35.477 40.790 46.491 76 62 19.794 22.225 25.181 28.822 33.249 38.602 44.603 51.144 77 63 21.035 23.587 26.907 31.039 36.334 42.569 49.550 57.443 78 64 22.280 24.979 28.594 33.325 39.223 46.149 53.924 62.907 79 65 23.671 26.542 30.760 36.125 42.801 50.708 59.612 69.886 80 66 25.327 28.559 33.169 39.012 46.282 54.893 64.628 75.531 81 67 27.536 31.035 36.175 42.651 50.679 60.204 71.082 83.141 82 68 30.289 34.060 39.634 46.525 55.008 65.074 76.759 89.560 83 69 33.539 37.619 43.787 51.235 60.315 71.168 84.001 98.506 84 70 37.222 41.618 48.427 56.396 66.057 77.647 91.626 108.249 85 71 39.718 44.379 51.963 60.869 71.657 84.590 100.218 117.765 86 72 42.361 47.277 55.924 66.089 78.380 93.154 110.739 129.905 87 73 45.059 50.256 60.050 71.550 85.477 102.210 121.053 143.927 88 74 47.131 52.534 63.151 75.640 90.762 108.867 129.651 154.748 89 75 48.386 53.875 65.177 78.468 94.543 114.169 136.498 163.471 90 76 49.058 54.586 65.985 79.379 96.374 116.131 138.833 166.231 91 77 49.661 55.214 66.695 80.845 98.119 117.996 141.036 168.840 92 78 51.259 56.948 69.315 83.990 101.897 122.068 145.927 176.230 93 79 54.121 60.586 73.716 89.289 108.270 128.979 155.594 188.067 94 80 57.324 64.148 73.021 94.456 113.866 136.873 165.268 199.876 95 219.864 96 241.850 97 266.035 98 292.639 99
EXPECTED MORTALITY ASSUMPTIONS (1000qx) DOMINION LIFE 881 MALE SMOKER
[x] [x]+1 [x]+2 [x]+3 [x]+4 [x]+5 [x]+6 [x]+7 [x]+8 ------ ------ ------ ------ ------ ------ ------ ------ ------ 18 0.821 0.911 0.985 1.643 1.705 1.678 1.641 1.616 1.588 19 0.785 0.882 1.555 1.558 1.592 1.562 1.537 1.508 1.509 20 0.732 1.359 1.469 1.462 1.476 1.423 1.425 1.409 1.424 21 1.060 1.257 1.396 1.402 1.426 1.396 1.462 1.497 1.581 22 0.941 1.128 1.272 1.275 1.294 1.309 1.342 1.389 1.493 23 0.847 1.009 1.153 1.153 1.196 1.212 1.256 1.322 1.412 24 0.747 0.894 1.023 1.061 1.103 1.144 1.190 1.260 1.355 25 0.679 0.803 0.946 0.985 1.062 1.120 1.172 1.248 1.355 26 0.640 0.768 0.898 0.958 1.064 1.143 1.204 1.294 1.417 27 0.639 0.747 0.884 0.973 1.087 1.188 1.277 1.385 1.527 28 0.653 0.768 0.911 1.007 1.130 1.261 1.367 1.507 1.675 29 0.693 0.816 0.957 1.063 1.216 1.367 1.507 1.675 1.877 30 0.738 0.871 1.024 1.132 1.302 1.487 1.640 1.852 2.097 31 0.768 0.922 1.077 1.211 1.386 1.596 1.790 2.015 2.303 32 0.794 0.958 1.141 1.277 1.476 1.715 1.947 2.201 2.518 33 0.797 0.984 1.183 1.351 1.589 1.854 2.114 2.396 2.734 34 0.779 0.987 1.214 1.413 1.683 1.974 2.255 2.566 2.918 35 0.790 1.027 1.291 1.536 1.826 2.162 2.467 2.813 3.200 36 0.812 1.097 1.413 1.689 2.038 2.407 2.764 3.139 3.555 37 0.867 1.190 1.554 1.883 2.276 2.691 3.078 3.505 3.970 38 0.943 1.312 1.747 2.115 2.553 3.004 3.432 3.920 4.410 39 1.038 1.483 1.966 2.373 2.846 3.358 3.833 4.348 4.904 40 1.157 1.668 2.211 2.669 3.178 3.734 4.248 4.816 5.427 41 1.279 1.855 2.483 2.980 3.544 4.136 4.679 5.301 5.994 42 1.402 2.056 2.746 3.300 3.911 4.554 5.150 5.829 6.576 43 1.526 2.247 3.017 3.610 4.281 4.987 5.628 6.348 7.124 44 1.652 2.445 3.278 3.934 4.654 5.426 6.108 6.858 7.664 45 1.793 2.646 3.553 4.284 5.069 5.893 6.618 7.398 8.254 46 1.927 2.849 3.843 4.663 5.536 6.415 7.183 8.026 8.954 47 2.063 3.086 4.183 5.082 6.070 7.019 7.837 8.751 9.833 48 2.200 3.350 4.565 5.554 6.683 7.748 8.638 9.631 10.856 49 2.349 3.630 4.977 6.079 7.357 8.562 9.568 10.655 11.957 50 2.494 3.940 5.419 6.640 8.053 9.417 10.554 11.744 13.085 51 2.646 4.257 5.896 7.222 8.751 10.277 11.531 12.834 14.181 52 2.806 4.596 6.382 7.808 9.432 11.079 12.446 13.807 15.241 53 2.976 4.933 6.862 8.365 10.080 11.795 13.197 14.658 16.271 54 3.167 5.276 7.337 8.916 10.707 12.412 13.864 15.455 17.251 55 3.364 5.649 7.855 9.504 11.312 13.046 14.553 16.229 18.247 56 3.603 6.064 8.434 10.134 11.970 13.750 15.319 17.095 19.247 57 3.893 6.559 9.080 10.862 12.732 14.593 16.249 18.088 20.283 58 4.236 7.133 9.861 11.748 13.688 15.673 17.393 19.276 21.453 59 4.629 7.802 10.774 12.776 14.863 16.966 18.743 20.634 22.859 60 5.070 8.550 11.771 13.912 16.197 18.403 20.225 22.141 24.436 61 5.587 9.335 12.806 15.121 17.588 19.899 21.783 23.737 26.152 62 6.160 10.125 13.824 16.365 18.944 21.400 23.346 25.413 27.971 63 6.791 11.021 14.936 17.611 20.259 22.802 24.838 27.043 29.766 64 7.485 12.064 16.170 18.865 21.550 24.182 26.301 28.632 31.609 65 8.239 13.129 17.434 20.086 22.880 25.628 27.841 30.410 33.682 66 9.031 14.128 18.578 21.279 24.263 27.200 29.652 32.534 36.179 67 9.888 14.946 19.497 22.429 25.715 29.019 31.832 35.169 39.468 68 10.783 15.631 20.246 23.499 27.268 31.129 34.532 38.665 43.554 69 11.733 16.278 20.920 24.538 28.905 33.543 37.915 42.846 48.415 70 12.721 16.839 21.530 25.516 30.606 36.362 41.741 47.621 53.933 71 13.644 18.056 23.059 27.296 32.869 39.015 44.770 51.037 57.754 72 14.630 19.336 24.666 29.323 35.278 41.856 47.994 54.661 61.841 73 15.647 20.660 26.465 31.427 37.793 44.805 51.321 58.437 66.053 74 16.450 21.808 27.900 33.119 39.801 47.146 53.987 61.420 69.360 75 17.051 22.579 28.881 34.260 41.132 48.703 55.726 63.345 71.475 76 17.456 23.106 29.534 35.005 42.009 49.704 56.820 64.531 72.733 77 17.848 23.606 30.150 35.722 42.832 50.634 57.834 65.612 73.888 78 18.608 24.591 31.396 37.166 44.525 52.589 60.004 68.015 76.513 79 19.843 26.213 33.439 39.549 47.339 55.854 63.675 72.099 81.030 80 21.058 27.796 35.426 41.863 50.056 59.009 67.199 76.018 86.000 [x]+9 [x]+10 [x]+11 [x]+12 [x]+13 [x]+14 ULT ------ ------- ------- ------- ------- ------- ------- 18 1.575 1.507 1.556 1.607 1.645 1.646 1.632 33 19 1.510 1.471 1.553 1.605 1.646 1.657 1.669 34 20 1.466 1.445 1.527 1.568 1.630 1.677 1.694 35 21 1.693 1.669 1.696 1.724 1.756 1.786 1.773 36 22 1.607 1.613 1.641 1.702 1.762 1.825 1.858 37 23 1.531 1.574 1.624 1.719 1.819 1.901 1.997 38 24 1.482 1.576 1.632 1.765 1.906 2.027 2.153 39 25 1.496 1.607 1.717 1.891 2.069 2.207 2.373 40 26 1.575 1.712 1.876 2.063 2.271 2.462 2.641 41 27 1.711 1.876 2.065 2.280 2.526 2.748 2.935 42 28 1.891 2.067 2.273 2.515 2.795 3.037 3.265 43 29 2.139 2.329 2.547 2.807 3.091 3.360 3.633 44 30 2.380 2.598 2.838 3.106 3.411 3.711 4.056 45 31 2.615 2.859 3.123 3.418 3.761 4.109 4.490 46 32 2.865 3.134 3.438 3.771 4.163 4.547 4.994 47 33 3.115 3.423 3.767 4.174 4.615 5.066 5.582 48 34 3.311 3.677 4.087 4.564 5.093 5.627 6.280 49 35 3.616 4.040 4.497 5.048 5.664 6.287 7.047 50 36 4.020 4.474 4.988 5.618 6.327 7.022 7.817 51 37 4.460 4.960 5.531 6.232 7.015 7.794 8.567 52 38 4.954 5.487 6.118 6.859 7.718 8.604 9.396 53 39 5.489 6.071 6.731 7.526 8.459 9.471 10.323 54 40 6.094 6.693 7.384 8.232 9.247 10.403 11.420 55 41 6.715 7.358 8.102 9.009 10.124 11.415 12.691 56 42 7.364 8.075 8.905 9.890 11.097 12.525 14.075 57 43 8.031 8.842 9.789 10.880 12.180 13.727 15.528 58 44 8.709 9.666 10.747 11.971 13.381 15.034 16.996 59 45 9.446 10.555 11.784 13.158 14.700 16.429 18.482 60 46 10.249 11.498 12.883 14.441 16.087 17.945 20.097 61 47 11.170 12.530 14.068 15.760 17.587 19.638 21.883 62 48 12.208 13.650 15.279 17.147 19.208 21.493 23.941 63 49 13.360 14.823 16.561 18.634 20.949 23.512 26.231 64 50 14.530 16.044 17.934 20.210 22.790 25.657 28.675 65 51 15.725 17.390 19.485 22.033 24.980 28.262 31.739 66 52 16.938 18.835 21.229 24.153 27.560 31.384 35.472 67 53 18.112 20.268 22.947 26.190 29.949 34.249 38.853 68 54 19.288 21.775 24.868 28.517 32.756 37.622 42.798 69 55 20.479 23.291 26.747 30.777 35.391 40.781 46.336 70 56 21.715 24.878 28.738 33.156 38.236 44.205 50.510 71 57 23.031 26.505 30.680 35.469 40.962 47.384 54.456 72 58 24.461 28.198 32.715 37.925 43.885 50.886 58.506 73 59 26.000 30.066 35.002 40.779 47.495 55.278 63.732 74 60 27.676 31.986 37.234 43.530 50.881 59.355 68.840 75 61 29.491 34.118 39.843 46.801 55.023 64.707 75.384 76 62 31.450 36.358 42.457 49.987 59.170 69.661 81.401 77 63 33.463 38.766 45.431 53.975 64.141 75.743 89.037 78 64 35.544 41.302 48.813 58.222 69.436 82.191 97.072 79 65 37.915 44.355 52.558 62.848 75.118 89.049 105.289 80 66 40.935 47.922 56.834 67.961 81.208 96.346 113.462 81 67 44.627 52.206 61.766 73.633 87.800 104.071 122.175 82 68 49.168 57.339 67.451 79.960 94.870 112.211 131.279 83 69 54.508 63.258 73.873 86.851 102.362 120.716 141.469 84 70 60.517 69.896 80.897 94.235 110.237 129.536 152.470 85 71 64.788 74.947 86.858 101.298 118.594 139.477 163.086 86 72 69.305 80.491 93.623 109.509 128.580 151.575 176.249 87 73 73.958 86.248 100.646 118.093 138.993 163.059 191.381 88 74 77.602 90.609 105.874 124.343 146.473 172.284 202.506 89 75 79.875 93.414 109.272 128.446 152.563 178.961 210.659 90 76 81.214 94.879 110.876 131.200 155.399 182.270 214.483 91 77 82.416 96.190 113.154 133.793 158.109 185.392 218.093 92 78 85.263 100.173 117.749 139.167 163.753 192.014 227.703 93 79 90.895 106.708 125.377 148.089 173.186 204.771 243.017 94 80 96.396 113.119 132.826 156.366 183.835 217.534 258.313 95 284.144 96 312.559 97 343.815 98 378.196 99
Amendment No. 13 This Amendment, effective December 1, 1997, between The Life Insurance Company Of Virginia, (Reinsured, referred to as you, your), and Transamerica Occidental Life Insurance Company, (Reinsurer referred to as we, us, our), is attached to and becomes part of the Reinsurance Agreement (No. 3935-3), dated March 1, 1988. 1. Schedule A is replaced by the attached Schedule A. 2. Schedule C is replaced by the attached Schedule C. 3. Exhibit I is replaced by the attached Exhibit I. 4. Exhibit III, excluding rates, is replaced by the attached Exhibit III, including Commonwealth VUL rates. This Amendment does not alter, amend or modify the Reinsurance Agreement other than as set forth in this Amendment, and it is subject otherwise to all the terms and conditions of the Reinsurance Agreement together with all amendments and supplements thereto. Executed in duplicate by Executed in duplicate by The Life Insurance Transamerica Occidental Company of Virginia Life Insurance Company at Richmond, Virginia, at Charlotte, North Carolina, on March 31, 1998 on March 16, 1998 By: /s/ Illegible By: /s/ Illegible ---------------------------------- ----------------------------------- Title VP Second Vice President By: /s/ Illegible By: /s/ Illegible ---------------------------------- ----------------------------------- Title VP + Actuary Vice President 39353A13 SS THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE A SPECIFICATIONS Effective December 1, 1997 1. TYPE OF BUSINESS: Life insurance, disability waiver of monthly deduction and accidental death benefit issued by you. 2. PLANS OF INSURANCE: A. LVPlus2 (UL) B. X-881 (EIWL) C. X-871 (EIWL) (Eff. 3-1-88) D. Commonwealth 3 E. Additional Insured Rider F. XPlus (Eff. 7-1-89) G. XPlus2 (Eff. 11-1-90) H. Dominion Life (EIWL) (Eff. 2-1-93) I. Dominion Life 65 (EIWL) (Eff. 9-1-93) J. Dominion Life 881 (Eff. 2-1-94) K. Accelerated Death Benefit Rider (Eff. 2-1-94) L. LVPlus III (UL) (Eff. 3-1-94) M. Primary Insured Term Rider to Dominion Life Series (Eff. 6-1-94) N. Additional Insured Term Rider to Dominion Life Series (Eff. 6-1-94) O. Future Security (UL) (Eff. 12-1-94) P. Commonwealth IV (Eff. 12-1-97) 3. BASIS OF REINSURANCE: Excess Pool - Our share of the amount ceded to the pool is: 20% for all plans, except Commonwealth IV, through age 75, 20% for the LVPlus 2, X-881, DL881 and LVPlus 3 plans, ages 76 through 80 and 15% for Commonwealth IV through age 85. 4. JUMBO LIMIT: A. Life $30,000,000 - Ages 0-70, Standard-Table 16 $30,000,000 - Ages 71-75, Standard-Table 8 $ 3,000,000 - Ages 76-85, Standard-Table 8 B. Disability Waiver of Premium $ 7,500,000 C. Accidental Death (Including Ages Amount Common Carrier) ----- -------- 0-4 -0- 5-15 $ 50,000 16-65 300,000
SCHEDULE A CONTINUES . . . 5. POOL BINDING LIMIT: A. Life $20,000,000 - Ages 0-70, Standard-Table 16 $20,000,000 - Ages 71-75, Standard-Table 8 $ 2,000,000 - Ages 76-85, Standard-Table 8 B. Disability Waiver of Premium $ 7,500,000 C. Accidental Death $ 100,000
6. MINIMUM AMOUNTS: Not applicable 7. YEARS TO RECAPTURE: Dominion Life Fifteen Commonwealth IV Not available All other plans Ten THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE C EXCEPTIONS Effective December 1, 1997 1. ARTICLE I, BASIS OF REINSURANCE Subsection 1.D. is changed as follows: D. The maximum issue age on any risk will be age 80 and under, except for the Commonwealth IV plan, which will be age 85 and under. Subsection 2.B. does not apply to this Agreement. 2. ARTICLE III, FORMAL CESSION is replaced by the following: 1. You will inform us of any reinsurance by submitting a monthly accounting statement as described in Article VI. 3. ARTICLE V, REINSURANCE PREMIUMS Subsection 1.A. does not apply to this Agreement. 4. ARTICLE VI, PREMIUM ACCOUNTING Section 1. is changed as follows: 1. Payment of Reinsurance Premiums A. The reinsurance premiums will be paid to us on the basis stated in Exhibit III. B. Within twenty-five days after the close of each month, you will send us a copy of a statement listing first year and renewal reinsurance premiums less refunds and allowances (dividends and cash values, if applicable) and other data mutually agreed upon by both parties. C. If the net reinsurance premium balance is payable to us, you must include this payment with your statement. If the net reinsurance premium balance is not received by us or a statement is not prepared and sent to us within twenty-five days after the close of the month, the reinsurance premiums for all of the reinsurance risks listed on the statement will be delinquent. SCHEDULE C CONTINUES . . . Section 5. is added as follows: 5. Within sixty days after the close of the calendar year, you will send us an inforce listing of all policies reinsured under this Agreement. 5. ARTICLE XII, CLAIMS Sections 3. and 4. are combined as follows: 3. If a claim is made under insurance reinsured under this Agreement, we will abide the issue as it is settled by you. When you request payment of the reinsurance proceeds, you must deliver a copy of the proof of death and the claimant's statement to us. Section 11. is changed as follows: 11. In no event will we have any liability for any Extra-Contractual damages which are rendered against you as a result of acts, omissions or course of conduct committed by you in connection with the insurance reinsured under this Agreement. 6. EXHIBIT II - Not applicable to this Agreement. THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT I YOUR RETENTION LIMITS Effective December 1, 1997 1. LIFE Ages through 75 $1,000,000* Ages 76 - 85 100,000 *$100,000 corridor 2. DISABILITY WAIVER OF PREMIUM Same as Life 3. ACCIDENTAL DEATH $200,000 THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT III INSTRUCTIONS FOR THE USE OF THE YEARLY RENEWABLE TERM PREMIUMS PER $1,000 OF REINSURANCE Effective December 1, 1997 1. Reinsurance premiums under this Agreement will be payable on the annual basis regardless of how you receive premiums from your insured for all plans except LVPLus 2, LVPlus III, Commonwealth 3 and Commonwealth IV, which will be payable on the monthly basis. 2. STANDARD AND SUBSTANDARD TABLE EXTRA PREMIUMS A. The reinsurance premium rates for the first $2,000,000 on any one life, except for the Dominion 881 and Accelerated Death Benefit rider, LVPlusIII and Future Security plans, will be your company's appropriate rates set forth to this Exhibit times the following multiples for all years: (1) LVPlus2 (UL)*, X-881 (EIWL), X-871 (EIWL) and XPlus Preferred** Preferred** Non-Smoker Non-Smoker Smoker Smoker ----------- ---------- ----------- ------ 1.29 1.34 1.16 1.23 (2) Commonwealth 3* Preferred** Preferred** Non-Smoker Non-Smoker Smoker Smoker ----------- ---------- ----------- ------ 1.36 1.41 1.22 1.29 (3) Additional Insured Rider Preferred** Preferred** Non-Smoker Non-Smoker Smoker Smoker ----------- ---------- ----------- ------ 1.60 1.46 1.28 1.21 (4) XPlus2 Preferred** Preferred** Non-Smoker Non-Smoker Smoker Smoker ----------- ---------- ----------- ------ 1.22 1.27 1.10 1.17 EXHIBIT III CONTINUES . . . (5) Dominion Life and Dominion Life 65 Issue Preferred** Preferred** Ages Non-Smoker Non-Smoker Smoker Smoker ----- ----------- ---------- ----------- ------ 0-40 1.40 1.16 1.40 1.06 41-60 1.20 1.16 1.20 1.06 61+ 1.20 1.16 1.20 1.06 * Monthly rates will be 1/12th of the appropriate annual rates ** In addition to existing preferred risk underwriting requirements, the following stipulations must be met for the preferred rates to apply: (1) No tobacco use (2) Standard with no more than 15 debits. (3) No risk factoring (4) No credits. (5) No diabetes. B. The reinsurance premiums for the Dominion 881 plan and Accelerated Death Benefit Rider will be the attached Expected Mortality Assumptions times the following multiples: Ages PNS PSM SNS SSM ---- --- --- --- --- 0-40 140% 140% 116% 106% 41+ 120% 120% 116% 106% The substandard reinsurance rates for the Dominion 881 plan will be an additional 15% per table rating of appropriate rate times the multiples stated above. C. The reinsurance premiums for the LVPlusIII plan, which will be 1/12 of the rates, and the Future Security plan will be the attached Expected Mortality Assumptions times the following multiples: Ages PNS PSM SNS SSM ----- --- --- --- --- 0-40 140% 140% 116% 106% 41-60 120% 120% 116% 106% 61+ 120% 120% 116% 106% (1) The substandard reinsurance rates for the LVPlusIII plan will be an additional 20% per table rating of the appropriate rates times the multiples stated above. (2) The substandard reinsurance rates for the Future Security plan will be 25% of the base plan rates for face amounts less than $100,000, and 20% per table of the base plan rates for face amounts of $100,000 or higher. D. The reinsurance premiums for the Commonwealth IV plan will be 1/12th of the attached Commonwealth VUL Mortality Assumptions, times the following multiples: Ages PNS PSM SNS SSM ----- ----- ------ ------ ------ 0-40 118.75% 118.75% 118.75% 118.75% 41-60 102.6% 99.75% 104.5% 99.75% 61+ 104.5% 109.25% 102.6% 109.25% EXHIBIT III CONTINUES . . . E. Primary Insured Term Rider and Additional Insured Term Rider to Dominion Life Series - Use same rates as base plan to which it is attached. The substandard reinsurance rates for all other plans will be an additional 25% per table rating of the appropriate rates times the multiples stated above. We reserve the right to renegotiate the above multiples if you change the rates set forth in this Exhibit. F. For reinsurance of plans listed in Section 2.A. of this Exhibit in excess of $2,000,000 on any one life, the Vanguard 134 and 136 ANB rates, excluding the policy fee, set forth in this Exhibit will be used. (1) The rates are applicable to males and also to females with an age adjustment factor. For females attained ages 0-10, use male rates for the same ages. For females ages 11-14, use male rate age 10. For females ages 15 and over, use male rates for an age of 4 years younger. (2) The "Substandard" reinsurance premiums set forth in this Exhibit shall be applied for the purpose of computing the substandard table extra premiums. Substandard table extra premiums shall be dropped at the later of age 65 and 20 years in force. The substandard extras in this Exhibit are for Table 1. For rating higher than Table 1, multiply above rate by the appropriate table. 3. FLAT EXTRA PREMIUM The flat extra premium will be the annual flat extra premium which you charge your insured on that amount of the insurance reinsured less the following allowances. Terms of Your First Renewal Flat Extra Premium Year Years ------------------ ----- ------- More than 4 years 85% 15% 4 years or less 15% 15% 4. RENEWAL AND CONVERSION OF INSURANCE The renewal and conversion of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. The Vanguard rates set forth in this Exhibit will be used, including the policy fee. Any conversions to a plan of insurance reinsured under this Agreement will be on a point-in-scale basis. 5. PREMIUM TAX We will not reimburse you for any premium taxes. The Life Insurance Company of Virginia Commonwealth VUL Male Preferred Nonsmoker Mortality Assumptions per $1,000
Duration Issue ----------------------------------------------------------------------------------------------------------------- Attained Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Ultimate Age ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- -------- 0 2.487 0.601 0.413 0.335 0.291 0.281 0.258 0.251 0.236 0.225 0.225 0.231 0.254 0.331 0.422 0.558 16 1 0.595 0.394 0.331 0.281 0.270 0.230 0.220 0.220 0.218 0.221 0.227 0.248 0.324 0.412 0.544 0.675 17 2 0.350 0.316 0.278 0.263 0.230 0.220 0.210 0.213 0.215 0.223 0.244 0.318 0.404 0.533 0.659 0.791 18 3 0.315 0.267 0.250 0.230 0.220 0.200 0.209 0.210 0.218 0.241 0.313 0.397 0.523 0.647 0.775 0.891 19 4 0.266 0.250 0.230 0.220 0.200 0.205 0.206 0.214 0.235 0.310 0.392 0.515 0.636 0.761 0.874 0.966 20 5 0.250 0.226 0.220 0.200 0.199 0.203 0.210 0.231 0.304 0.388 0.510 0.628 0.750 0.860 0.949 0.991 21 6 0.227 0.217 0.200 0.195 0.198 0.207 0.228 0.299 0.381 0.506 0.622 0.742 0.849 0.936 0.976 0.824 22 7 0.190 0.200 0.195 0.194 0.202 0.225 0.295 0.376 0.497 0.619 0.736 0.842 0.926 0.964 0.819 0.790 23 8 0.180 0.191 0.196 0.200 0.221 0.294 0.374 0.494 0.612 0.736 0.839 0.921 0.957 0.817 0.787 0.768 24 9 0.190 0.190 0.201 0.218 0.288 0.371 0.490 0.606 0.728 0.838 0.919 0.952 0.818 0.786 0.767 0.753 25 10 0.180 0.194 0.218 0.282 0.362 0.485 0.599 0.718 0.826 0.916 0.948 0.820 0.788 0.767 0.752 0.725 26 11 0.194 0.209 0.281 0.352 0.468 0.586 0.700 0.803 0.886 0.925 0.804 0.770 0.746 0.729 0.702 0.682 27 12 0.208 0.268 0.348 0.453 0.562 0.680 0.778 0.856 0.890 0.786 0.750 0.725 0.706 0.677 0.655 0.624 28 13 0.268 0.334 0.448 0.545 0.654 0.757 0.829 0.859 0.753 0.731 0.703 0.682 0.651 0.627 0.595 0.602 29 14 0.332 0.428 0.538 0.633 0.727 0.807 0.834 0.727 0.704 0.690 0.667 0.633 0.608 0.575 0.580 0.582 30 15 0.425 0.515 0.620 0.692 0.757 0.806 0.710 0.684 0.669 0.652 0.623 0.595 0.560 0.562 0.561 0.558 31 16 0.515 0.597 0.663 0.706 0.749 0.685 0.670 0.653 0.635 0.618 0.584 0.553 0.553 0.551 0.545 0.544 32 17 0.592 0.634 0.680 0.702 0.652 0.644 0.632 0.619 0.601 0.585 0.553 0.552 0.548 0.541 0.539 0.525 33 18 0.609 0.638 0.700 0.518 0.534 0.527 0.507 0.489 0.472 0.457 0.437 0.449 0.455 0.464 0.467 0.463 34 19 0.582 0.618 0.490 0.484 0.491 0.482 0.465 0.448 0.438 0.427 0.414 0.429 0.441 0.455 0.458 0.463 35 20 0.542 0.422 0.456 0.448 0.448 0.431 0.423 0.409 0.402 0.402 0.389 0.409 0.422 0.439 0.453 0.468 36 21 0.349 0.385 0.427 0.423 0.424 0.415 0.424 0.423 0.434 0.444 0.436 0.445 0.452 0.462 0.480 0.479 37 22 0.305 0.340 0.383 0.376 0.378 0.380 0.379 0.381 0.391 0.409 0.412 0.419 0.437 0.461 0.480 0.498 38 23 0.271 0.300 0.340 0.334 0.341 0.343 0.345 0.347 0.359 0.381 0.392 0.406 0.439 0.466 0.496 0.527 39 24 0.235 0.260 0.297 0.300 0.307 0.314 0.312 0.320 0.338 0.360 0.384 0.406 0.441 0.485 0.521 0.562 40 25 0.209 0.229 0.268 0.272 0.287 0.294 0.298 0.311 0.329 0.355 0.390 0.418 0.468 0.518 0.561 0.611 41 26 0.194 0.214 0.248 0.257 0.274 0.291 0.300 0.314 0.336 0.372 0.406 0.453 0.503 0.563 0.617 0.672 42 27 0.189 0.203 0.237 0.249 0.272 0.296 0.310 0.329 0.361 0.396 0.441 0.491 0.550 0.617 0.681 0.740 43 28 0.188 0.203 0.233 0.250 0.277 0.306 0.325 0.356 0.388 0.434 0.479 0.535 0.598 0.674 0.746 0.818 44 29 0.194 0.206 0.238 0.259 0.290 0.325 0.356 0.388 0.431 0.483 0.534 0.590 0.660 0.740 0.819 0.900 45 30 0.197 0.213 0.249 0.268 0.304 0.351 0.379 0.425 0.474 0.532 0.587 0.650 0.724 0.810 0.896 1.000 46 31 0.199 0.221 0.255 0.281 0.322 0.369 0.411 0.455 0.515 0.576 0.638 0.709 0.791 0.884 0.986 1.112 47 32 0.201 0.224 0.264 0.294 0.336 0.393 0.440 0.492 0.555 0.624 0.694 0.775 0.864 0.973 1.097 1.242 48 33 0.197 0.225 0.273 0.305 0.358 0.419 0.472 0.528 0.595 0.672 0.752 0.841 0.951 1.084 1.227 1.394 49 34 0.188 0.224 0.274 0.316 0.374 0.441 0.497 0.558 0.630 0.709 0.800 0.907 1.045 1.201 1.368 1.574 50 35 0.190 0.229 0.289 0.339 0.401 0.476 0.537 0.607 0.686 0.767 0.874 1.003 1.160 1.341 1.535 1.777 51 36 0.191 0.242 0.311 0.368 0.441 0.524 0.597 0.673 0.754 0.848 0.973 1.117 1.296 1.504 1.724 1.987 52 37 0.202 0.258 0.339 0.405 0.487 0.581 0.659 0.743 0.837 0.945 1.083 1.244 1.443 1.678 1.929 2.207 53 38 0.217 0.282 0.376 0.449 0.542 0.644 0.728 0.827 0.935 1.054 1.202 1.381 1.599 1.860 2.158 2.448 54 39 0.236 0.314 0.418 0.500 0.600 0.712 0.809 0.922 1.043 1.173 1.336 1.529 1.768 2.067 2.403 2.725 55 40 0.260 0.349 0.466 0.558 0.663 0.788 0.900 1.025 1.159 1.307 1.482 1.690 1.960 2.285 2.674 3.066 56 41 0.283 0.385 0.519 0.617 0.735 0.877 0.995 1.132 1.285 1.449 1.641 1.880 2.169 2.535 2.985 3.468 57 42 0.308 0.424 0.568 0.679 0.815 0.969 1.100 1.250 1.419 1.601 1.826 2.090 2.413 2.826 3.333 3.918 58 43 0.333 0.458 0.621 0.747 0.896 1.065 1.207 1.370 1.549 1.770 2.022 2.327 2.700 3.157 3.721 4.396 59 44 0.357 0.496 0.678 0.817 0.978 1.164 1.318 1.491 1.689 1.942 2.240 2.599 3.023 3.533 4.145 4.929 60 45 0.385 0.539 0.738 0.893 1.069 1.272 1.439 1.631 1.840 2.134 2.487 2.900 3.385 3.948 4.640 5.484 61
The Life Insurance Company of Virginia Commonwealth VUL Male Preferred Nonsmoker Mortality Assumptions per $1,000
Duration Issue ---------------------------------------------------------------------- Age 1 2 3 4 5 6 7 8 9 ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ 46 0.416 0.583 0.801 0.976 1.175 1.395 1.583 1.789 2.022 47 0.447 0.634 0.876 1.070 1.298 1.547 1.747 1.977 2.259 48 0.478 0.691 0.961 1.179 1.449 1.727 1.951 2.213 2.539 49 0.513 0.753 1.056 1.308 1.613 1.934 2.198 2.491 2.848 50 0.548 0.824 1.166 1.445 1.789 2.163 2.468 2.798 3.170 51 0.586 0.902 1.283 1.592 1.977 2.403 2.747 3.109 3.519 52 0.630 0.985 1.407 1.751 2.169 2.639 3.015 3.426 3.870 53 0.676 1.071 1.539 1.909 2.361 2.858 3.275 3.722 4.216 54 0.728 1.165 1.675 2.073 2.551 3.080 3.521 4.004 4.559 55 0.787 1.270 1.826 2.247 2.760 3.313 3.771 4.289 4.920 56 0.858 1.389 1.994 2.454 2.989 3.563 4.049 4.609 5.299 57 0.944 1.528 2.199 2.692 3.244 3.857 4.381 4.980 5.702 58 1.045 1.702 2.444 2.971 3.558 4.226 4.789 5.419 6.160 59 1.169 1.905 2.725 3.296 3.941 4.671 5.268 5.925 6.709 60 1.311 2.130 3.036 3.661 4.385 5.173 5.808 6.498 7.337 61 1.474 2.372 3.370 4.063 4.862 5.714 6.393 7.127 8.035 62 1.658 2.625 3.715 4.490 5.349 6.281 7.010 7.808 8.798 63 1.864 2.918 4.098 4.936 5.847 6.846 7.631 8.506 9.591 64 2.098 3.261 4.532 5.404 6.363 7.429 8.272 9.225 10.439 65 2.358 3.625 4.994 5.886 6.912 8.061 8.970 10.043 11.408 66 2.640 3.987 5.444 6.381 7.504 8.764 9.793 11.019 12.577 67 2.954 4.315 5.846 6.885 8.148 9.584 10.781 12.225 13.995 68 3.296 4.618 6.215 7.390 8.856 10.543 12.004 13.710 15.764 69 3.670 4.923 6.579 7.910 9.627 11.660 13.445 15.507 17.890 70 4.073 5.217 6.940 8.435 10.462 12.894 15.107 17.596 20.357 71 4.476 5.734 7.622 9.261 11.462 14.121 16.543 19.264 22.276 72 4.919 6.297 8.369 10.148 12.556 15.466 18.115 21.083 24.385 73 5.395 6.905 9.159 11.101 13.733 16.911 19.795 23.042 26.645 74 5.822 7.435 9.856 11.944 14.773 18.184 21.287 24.776 28.632 75 6.156 7.858 10.416 12.621 15.601 19.204 22.479 26.149 30.212 76 6.432 8.209 10.880 13.177 16.289 20.050 23.456 27.277 31.502 77 6.715 8.567 11.350 13.747 16.991 20.902 24.446 28.418 32.809 78 7.150 9.120 12.083 14.633 18.074 22.229 25.989 30.201 34.853 79 7.792 9.939 13.165 15.934 19.677 24.192 28.274 32.842 37.887 80 8.454 10.781 14.273 17.271 21.320 26.202 30.610 35.544 40.937 81 9.320 11.880 15.704 19.071 23.557 28.285 33.401 38.747 43.679 82 10.270 13.071 17.341 21.072 25.429 30.864 36.411 41.342 45.942 83 11.300 14.433 19.160 22.747 27.747 33.645 38.849 43.484 47.428 84 12.477 15.947 20.683 24.821 30.248 35.898 40.862 44.891 48.925 85 13.786 17.215 22.568 27.057 32.274 37.758 42.184 46.308 51.299 Duration Issue ----------------------------------------------------------- Attained Age 10 11 12 13 14 15 Ultimate Age ----- ------ ------ ------ ------- ------- ------- -------- -------- 46 2.354 2.758 3.230 3.779 4.425 5.186 6.085 62 47 2.612 3.062 3.587 4.224 4.951 5.791 6.759 63 48 2.908 3.392 3.991 4.703 5.517 6.465 7.544 64 49 3.237 3.773 4.426 5.214 6.138 7.215 8.440 65 50 3.606 4.179 4.890 5.769 6.812 8.039 9.420 66 51 3.993 4.622 5.420 6.416 7.624 9.041 10.651 67 52 4.388 5.107 6.024 7.182 8.588 10.256 12.167 68 53 4.787 5.606 6.649 7.951 9.534 11.440 13.633 69 54 5.200 6.150 7.357 8.844 10.657 12.856 15.366 70 55 5.638 6.716 8.084 9.756 11.780 14.259 17.032 71 56 6.104 7.328 8.877 10.752 13.022 15.823 19.019 72 57 6.614 7.980 9.695 11.769 14.282 17.375 21.018 73 58 7.179 8.685 10.578 12.883 15.675 19.126 23.158 74 59 7.807 9.475 11.586 14.190 17.389 21.308 25.891 75 60 8.503 10.320 12.626 15.527 19.104 23.482 28.527 76 61 9.276 11.276 13.849 17.120 21.203 26.113 31.885 77 62 10.133 12.318 15.135 18.767 23.259 28.693 35.152 78 63 11.052 13.469 16.621 20.671 25.735 31.853 39.274 79 64 12.039 14.728 18.217 22.759 28.443 35.306 43.756 80 65 13.180 16.134 20.020 25.082 31.431 39.089 48.518 81 66 14.515 17.792 22.103 27.704 34.723 43.236 53.488 82 67 16.152 19.788 24.536 30.674 38.379 47.777 58.940 83 68 18.168 22.201 27.381 34.052 42.424 52.717 64.849 84 69 20.574 25.029 30.657 37.839 46.843 58.071 71.608 85 70 23.342 28.272 34.345 42.014 51.655 63.852 79.120 86 71 25.547 31.013 37.737 46.245 56.942 70.484 85.409 87 72 27.957 34.084 41.650 51.227 63.292 78.578 93.196 88 73 30.530 37.397 45.880 56.635 70.186 85.372 101.594 89 74 32.802 40.258 49.478 61.173 75.922 90.758 108.398 90 75 34.596 42.550 52.387 64.865 80.170 95.164 114.014 91 76 36.062 44.334 54.563 67.450 82.568 98.144 117.704 92 77 37.541 46.137 56.688 70.049 84.997 101.145 121.419 93 78 39.867 48.913 60.075 74.226 88.890 105.969 127.309 94 79 43.266 53.063 65.164 80.154 94.735 113.136 136.241 95 80 46.729 57.303 70.350 84.973 100.611 120.446 145.339 96 81 49.150 59.158 72.570 89.095 107.670 128.489 159.873 97 82 50.741 61.025 76.091 95.346 114.860 141.338 175.861 98 83 52.342 63.985 81.429 101.713 126.346 155.473 193.447 99 84 54.881 68.474 86.867 111.884 138.981 171.020 212.791 100 85 58.732 73.047 95.554 123.073 152.879 188.121 234.070 101
The Life Insurance Company of Virginia Commonwealth VUL Male Standard Nonsmoker Mortality Assumptions per $1,000
Duration Issue ----------------------------------------------------------------------------------------------------------------- Attained Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Ultimate Age ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- -------- 0 2.487 0.601 0.413 0.335 0.291 0.281 0.258 0.251 0.236 0.225 0.225 0.231 0.254 0.331 0.422 0.558 16 1 0.595 0.394 0.331 0.281 0.270 0.230 0.220 0.220 0.218 0.221 0.227 0.248 0.324 0.412 0.544 0.675 17 2 0.350 0.316 0.278 0.263 0.230 0.220 0.210 0.213 0.215 0.223 0.244 0.318 0.404 0.533 0.659 0.791 18 3 0.315 0.267 0.250 0.230 0.220 0.200 0.209 0.210 0.218 0.241 0.313 0.397 0.523 0.647 0.775 0.891 19 4 0.266 0.250 0.230 0.220 0.200 0.205 0.206 0.214 0.235 0.310 0.392 0.515 0.636 0.761 0.874 0.966 20 5 0.250 0.226 0.220 0.200 0.199 0.203 0.210 0.231 0.304 0.388 0.510 0.628 0.750 0.860 0.949 0.991 21 6 0.227 0.217 0.200 0.195 0.198 0.207 0.228 0.299 0.381 0.506 0.622 0.742 0.849 0.936 0.976 0.824 22 7 0.190 0.200 0.195 0.194 0.202 0.225 0.295 0.376 0.497 0.619 0.736 0.842 0.926 0.964 0.819 0.790 23 8 0.180 0.191 0.196 0.200 0.221 0.294 0.374 0.494 0.612 0.736 0.839 0.921 0.957 0.817 0.787 0.768 24 9 0.190 0.190 0.201 0.218 0.288 0.371 0.490 0.606 0.728 0.838 0.919 0.952 0.818 0.786 0.767 0.753 25 10 0.180 0.194 0.218 0.282 0.362 0.485 0.599 0.718 0.826 0.916 0.948 0.820 0.788 0.767 0.752 0.725 26 11 0.194 0.209 0.281 0.352 0.468 0.586 0.700 0.803 0.886 0.925 0.804 0.770 0.746 0.729 0.702 0.682 27 12 0.208 0.268 0.348 0.453 0.562 0.680 0.778 0.856 0.890 0.786 0.750 0.725 0.706 0.677 0.655 0.624 28 13 0.268 0.334 0.448 0.545 0.654 0.757 0.829 0.859 0.753 0.731 0.703 0.682 0.651 0.627 0.595 0.602 29 14 0.332 0.428 0.538 0.633 0.727 0.807 0.834 0.727 0.704 0.690 0.667 0.633 0.608 0.575 0.580 0.582 30 15 0.425 0.515 0.620 0.692 0.757 0.806 0.710 0.684 0.669 0.652 0.623 0.595 0.560 0.562 0.561 0.558 31 16 0.515 0.597 0.663 0.706 0.749 0.685 0.670 0.653 0.635 0.618 0.584 0.553 0.553 0.551 0.545 0.544 32 17 0.592 0.634 0.680 0.702 0.652 0.644 0.632 0.619 0.601 0.585 0.553 0.552 0.548 0.541 0.539 0.525 33 18 0.609 0.638 0.700 0.697 0.706 0.678 0.670 0.664 0.657 0.653 0.607 0.606 0.596 0.590 0.576 0.554 34 19 0.582 0.618 0.648 0.651 0.649 0.621 0.615 0.608 0.610 0.609 0.575 0.578 0.578 0.578 0.565 0.554 35 20 0.542 0.587 0.604 0.602 0.592 0.554 0.560 0.555 0.561 0.574 0.540 0.552 0.553 0.558 0.559 0.560 36 21 0.476 0.535 0.565 0.568 0.561 0.534 0.561 0.574 0.605 0.635 0.605 0.599 0.592 0.588 0.592 0.573 37 22 0.416 0.474 0.507 0.507 0.499 0.488 0.502 0.518 0.545 0.584 0.572 0.565 0.572 0.587 0.593 0.597 38 23 0.370 0.417 0.450 0.450 0.451 0.441 0.456 0.471 0.500 0.545 0.545 0.547 0.574 0.593 0.612 0.631 39 24 0.321 0.362 0.392 0.404 0.405 0.404 0.413 0.435 0.470 0.514 0.533 0.547 0.578 0.617 0.643 0.673 40 25 0.286 0.319 0.354 0.366 0.379 0.378 0.394 0.423 0.458 0.508 0.541 0.563 0.614 0.659 0.693 0.732 41 26 0.264 0.298 0.328 0.345 0.363 0.374 0.397 0.427 0.469 0.531 0.564 0.611 0.659 0.716 0.761 0.805 42 27 0.258 0.282 0.313 0.335 0.360 0.381 0.410 0.447 0.503 0.565 0.613 0.662 0.721 0.785 0.840 0.887 43 28 0.256 0.282 0.308 0.337 0.366 0.394 0.429 0.483 0.540 0.619 0.665 0.721 0.784 0.858 0.921 0.979 44 29 0.264 0.286 0.314 0.348 0.384 0.418 0.471 0.526 0.600 0.690 0.742 0.797 0.864 0.941 1.011 1.078 45 30 0.269 0.296 0.329 0.360 0.402 0.453 0.502 0.578 0.660 0.760 0.815 0.877 0.949 1.031 1.105 1.197 46 31 0.272 0.307 0.337 0.377 0.426 0.475 0.543 0.618 0.717 0.824 0.887 0.957 1.036 1.124 1.217 1.331 47 32 0.274 0.311 0.350 0.396 0.444 0.507 0.582 0.668 0.772 0.891 0.963 1.046 1.131 1.238 1.354 1.487 48 33 0.269 0.313 0.360 0.410 0.474 0.539 0.625 0.717 0.829 0.960 1.045 1.134 1.246 1.379 1.514 1.669 49 34 0.257 0.312 0.363 0.426 0.494 0.568 0.658 0.758 0.877 1.013 1.111 1.224 1.368 1.527 1.688 1.885 50 35 0.259 0.318 0.383 0.455 0.531 0.613 0.710 0.825 0.955 1.095 1.213 1.353 1.519 1.706 1.894 2.128 51 36 0.261 0.337 0.412 0.496 0.584 0.674 0.789 0.914 1.051 1.211 1.350 1.507 1.697 1.913 2.128 2.379 52 37 0.276 0.359 0.448 0.545 0.645 0.748 0.873 1.010 1.167 1.350 1.503 1.678 1.891 2.134 2.381 2.642 53 38 0.296 0.392 0.497 0.604 0.716 0.829 0.963 1.122 1.303 1.506 1.670 1.862 2.093 2.366 2.664 2.931 54 39 0.322 0.437 0.552 0.672 0.793 0.917 1.069 1.252 1.454 1.675 1.854 2.062 2.315 2.629 2.966 3.263 55 40 0.354 0.485 0.616 0.751 0.876 1.014 1.191 1.392 1.615 1.868 2.057 2.279 2.567 2.906 3.300 3.671 56 41 0.386 0.535 0.686 0.830 0.972 1.128 1.317 1.537 1.791 2.070 2.279 2.535 2.841 3.224 3.683 4.153 57 42 0.420 0.589 0.752 0.914 1.078 1.247 1.455 1.697 1.977 2.288 2.535 2.818 3.160 3.594 4.113 4.691 58 43 0.454 0.638 0.821 1.004 1.185 1.372 1.597 1.860 2.158 2.529 2.807 3.138 3.536 4.015 4.593 5.263 59 44 0.487 0.690 0.896 1.099 1.293 1.498 1.743 2.025 2.354 2.774 3.110 3.505 3.960 4.493 5.116 5.901 60 45 0.525 0.750 0.976 1.201 1.414 1.637 1.903 2.215 2.564 3.048 3.453 3.911 4.433 5.020 5.726 6.566 61
The Life Insurance Company of Virginia Commonwealth VUL Male Standard Nonsmoker Mortality Assumptions per $1,000
Duration Issue ---------------------------------------------------------------------- Age 1 2 3 4 5 6 7 8 9 ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ 46 0.567 0.810 1.059 1.313 1.553 1.796 2.094 2.430 2.818 47 0.610 0.882 1.158 1.440 1.717 1.992 2.311 2.685 3.148 48 0.652 0.961 1.272 1.585 1.915 2.224 2.581 3.005 3.537 49 0.699 1.048 1.397 1.760 2.133 2.490 2.908 3.384 3.968 50 0.748 1.146 1.542 1.944 2.365 2.785 3.264 3.800 4.417 51 0.799 1.255 1.697 2.142 2.614 3.094 3.633 4.223 4.903 52 0.859 1.370 1.860 2.355 2.868 3.398 3.988 4.653 5.392 53 0.921 1.490 2.035 2.568 3.122 3.679 4.332 5.055 5.873 54 0.993 1.621 2.214 2.788 3.373 3.966 4.657 5.438 6.352 55 1.074 1.767 2.415 3.023 3.650 4.265 4.988 5.825 6.855 56 1.170 1.932 2.637 3.302 3.952 4.587 5.356 6.259 7.383 57 1.288 2.126 2.908 3.622 4.290 4.966 5.795 6.763 7.944 58 1.425 2.367 3.231 3.997 4.704 5.441 6.334 7.359 8.584 59 1.595 2.650 3.602 4.434 5.211 6.014 6.969 8.047 9.347 60 1.788 2.963 4.015 4.925 5.799 6.660 7.683 8.825 10.223 61 2.010 3.300 4.456 5.466 6.429 7.357 8.457 9.679 11.194 62 2.261 3.651 4.911 6.040 7.074 8.087 9.273 10.603 12.257 63 2.543 4.058 5.418 6.640 7.732 8.814 10.094 11.551 13.362 64 2.862 4.536 5.992 7.270 8.414 9.565 10.942 12.528 14.545 65 3.217 5.042 6.603 7.919 9.141 10.377 11.866 13.639 15.895 66 3.602 5.545 7.199 8.584 9.923 11.283 12.954 14.965 17.523 67 4.031 6.002 7.730 9.262 10.774 12.339 14.261 16.602 19.500 68 4.497 6.423 8.218 9.941 11.710 13.575 15.878 18.619 21.963 69 5.006 6.847 8.698 10.641 12.731 15.012 17.784 21.060 24.926 70 5.557 7.256 9.176 11.347 13.835 16.601 19.983 23.897 28.363 71 6.105 7.976 10.078 12.458 15.156 18.180 21.883 26.160 31.037 72 6.711 8.759 11.065 13.653 16.603 19.913 23.962 28.631 33.975 73 7.361 9.605 12.111 14.935 18.159 21.773 26.183 31.292 37.124 74 7.942 10.342 13.032 16.069 19.534 23.412 28.158 33.646 39.893 75 8.398 10.929 13.772 16.979 20.630 24.725 29.734 35.511 42.095 76 8.775 11.419 14.386 17.728 21.540 25.814 31.026 37.042 43.892 77 9.160 11.917 15.007 18.494 22.468 26.910 32.336 38.592 45.713 78 9.755 12.686 15.976 19.685 23.901 28.619 34.377 41.014 48.560 79 10.630 13.824 17.407 21.436 26.020 31.147 37.399 44.600 52.789 80 11.533 14.996 18.872 23.234 28.193 33.735 40.490 48.270 57.037 81 12.714 16.525 20.764 25.655 31.150 36.841 44.716 53.190 61.311 82 14.010 18.182 22.927 28.347 34.018 40.686 49.274 57.176 64.840 83 15.415 20.076 25.333 30.956 37.568 44.833 52.967 60.466 67.158 84 17.021 22.182 27.665 34.187 41.399 48.193 56.015 62.628 69.492 85 18.806 24.225 30.553 37.672 44.500 50.967 58.018 64.805 73.192 Duration Issue ------------------------------------------------------------- Attained Age 10 11 12 13 14 15 Ultimate Age ----- ------ ------- ------- ------- ------- ------- -------- -------- 46 3.363 3.829 4.356 4.949 5.628 6.400 7.286 62 47 3.731 4.251 4.838 5.532 6.296 7.146 8.092 63 48 4.154 4.710 5.382 6.160 7.016 7.979 9.032 64 49 4.624 5.238 5.969 6.829 7.805 8.904 10.104 65 50 5.151 5.801 6.595 7.556 8.662 9.921 11.278 66 51 5.704 6.416 7.310 8.403 9.695 11.157 12.752 67 52 6.269 7.089 8.124 9.407 10.921 12.658 14.567 68 53 6.838 7.782 8.968 10.415 12.123 14.117 16.322 69 54 7.430 8.537 9.922 11.584 13.551 15.865 18.397 70 55 8.055 9.323 10.902 12.778 14.980 17.597 20.390 71 56 8.720 10.174 11.972 14.083 16.559 19.527 22.770 72 57 9.448 11.078 13.075 15.415 18.160 21.443 25.164 73 58 10.256 12.057 14.266 16.873 19.931 23.603 27.725 74 59 11.152 13.154 15.626 18.586 22.111 26.295 30.997 75 60 12.147 14.326 17.029 20.337 24.292 28.978 34.154 76 61 13.251 15.655 18.678 22.424 26.962 32.225 38.174 77 62 14.477 17.100 20.411 24.581 29.576 35.410 42.085 78 63 15.788 18.698 22.416 27.075 32.724 39.308 47.020 79 64 17.198 20.446 24.569 29.809 36.167 43.570 52.385 80 65 18.828 22.398 27.000 32.852 39.966 48.239 58.087 81 66 20.736 24.700 29.809 36.286 44.153 53.357 64.037 82 67 23.074 27.472 33.091 40.176 48.802 58.961 70.565 83 68 25.954 30.821 36.928 44.601 53.945 65.057 77.639 84 69 29.391 34.746 41.346 49.560 59.565 71.664 85.730 85 70 33.345 39.248 46.319 55.029 65.684 78.798 94.724 86 71 36.495 43.053 50.894 60.570 72.406 86.983 103.445 87 72 39.938 47.318 56.172 67.096 80.482 96.690 114.242 88 73 43.614 51.917 61.876 74.178 89.248 106.212 125.888 89 74 46.859 55.887 66.730 80.123 96.314 113.909 135.320 90 75 49.423 59.069 70.651 84.958 101.419 120.207 143.109 91 76 51.518 61.546 73.586 88.345 104.951 124.466 148.226 92 77 53.631 64.049 76.453 91.748 108.527 128.756 153.376 93 78 56.952 67.904 81.021 96.908 114.261 135.651 161.543 94 79 61.809 73.664 87.884 104.085 122.869 145.894 173.928 95 80 66.756 79.551 94.858 111.395 131.523 156.343 186.544 96 81 70.598 82.395 98.154 117.326 141.607 167.684 205.199 97 82 73.122 85.258 103.380 126.321 151.879 184.452 225.718 98 83 75.663 89.798 111.307 135.484 167.067 202.897 248.290 99 84 79.691 96.683 119.381 149.033 183.773 223.187 273.119 100 85 85.802 103.695 131.319 163.936 202.151 245.506 300.431 101
The Life Insurance Company of Virginia Commonwealth VUL Male Preferred Smoker Mortality Assumptions per $1,000
Duration Issue ------------------------------------------------------------------------------------------------------------------ Attained Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Ultimate Age ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ -------- -------- 0 2.487 0.601 0.413 0.335 0.291 0.281 0.258 0.251 0.236 0.225 0.225 0.231 0.254 0.331 0.422 0.558 16 1 0.595 0.394 0.331 0.281 0.270 0.230 0.220 0.220 0.218 0.221 0.227 0.248 0.324 0.412 0.544 0.675 17 2 0.350 0.316 0.278 0.263 0.230 0.220 0.210 0.213 0.215 0.223 0.244 0.318 0.404 0.533 0.659 0.791 18 3 0.315 0.267 0.250 0.230 0.220 0.200 0.209 0.210 0.218 0.241 0.313 0.397 0.523 0.647 0.775 0.891 19 4 0.266 0.250 0.230 0.220 0.200 0.205 0.206 0.214 0.235 0.310 0.392 0.515 0.636 0.761 0.874 0.966 20 5 0.250 0.226 0.220 0.200 0.199 0.203 0.210 0.231 0.304 0.388 0.510 0.628 0.750 0.860 0.949 0.991 21 6 0.227 0.217 0.200 0.195 0.198 0.207 0.228 0.299 0.381 0.506 0.622 0.742 0.849 0.936 0.976 0.824 22 7 0.190 0.200 0.195 0.194 0.202 0.225 0.295 0.376 0.497 0.619 0.736 0.842 0.926 0.964 0.819 0.790 23 8 0.180 0.191 0.196 0.200 0.221 0.294 0.374 0.494 0.612 0.736 0.839 0.921 0.957 0.817 0.787 0.768 24 9 0.190 0.190 0.201 0.218 0.288 0.371 0.490 0.606 0.728 0.838 0.919 0.952 0.818 0.786 0.767 0.753 25 10 0.180 0.194 0.218 0.282 0.362 0.485 0.599 0.718 0.826 0.916 0.948 0.820 0.788 0.767 0.752 0.725 26 11 0.194 0.209 0.281 0.352 0.468 0.586 0.700 0.803 0.886 0.925 0.804 0.770 0.746 0.729 0.702 0.682 27 12 0.208 0.268 0.348 0.453 0.562 0.680 0.778 0.856 0.890 0.786 0.750 0.725 0.706 0.677 0.655 0.624 28 13 0.268 0.334 0.448 0.545 0.654 0.757 0.829 0.859 0.753 0.731 0.703 0.682 0.651 0.627 0.595 0.602 29 14 0.332 0.428 0.538 0.633 0.727 0.807 0.834 0.727 0.704 0.690 0.667 0.633 0.608 0.575 0.580 0.582 30 15 0.516 0.641 0.764 0.851 0.935 1.001 1.357 1.319 1.297 1.276 1.251 1.223 1.185 1.225 1.266 1.323 31 16 0.625 0.743 0.817 0.869 0.925 1.319 1.301 1.276 1.252 1.236 1.194 1.163 1.199 1.235 1.287 1.330 32 17 0.719 0.789 0.838 0.864 1.246 1.260 1.245 1.229 1.211 1.191 1.157 1.190 1.223 1.271 1.311 1.312 33 18 0.739 0.775 0.793 0.853 0.880 0.870 0.851 0.838 0.824 0.817 0.811 0.869 0.931 0.988 1.025 1.054 34 19 0.707 0.750 0.808 0.809 0.822 0.810 0.797 0.782 0.783 0.783 0.792 0.867 0.930 0.989 1.032 1.078 35 20 0.659 0.745 0.763 0.759 0.762 0.738 0.739 0.731 0.738 0.760 0.778 0.852 0.908 0.979 1.045 1.095 36 21 0.616 0.690 0.725 0.728 0.736 0.724 0.758 0.776 0.820 0.878 0.898 0.947 0.998 1.055 1.113 1.145 37 22 0.546 0.619 0.661 0.663 0.668 0.679 0.696 0.720 0.774 0.834 0.868 0.916 0.986 1.058 1.137 1.200 38 23 0.492 0.553 0.599 0.599 0.617 0.629 0.651 0.686 0.733 0.794 0.847 0.907 0.996 1.092 1.184 1.290 39 24 0.434 0.490 0.532 0.551 0.569 0.593 0.617 0.653 0.703 0.769 0.848 0.911 1.022 1.145 1.263 1.391 40 25 0.394 0.441 0.492 0.512 0.548 0.581 0.608 0.648 0.703 0.776 0.865 0.959 1.095 1.243 1.375 1.533 41 26 0.372 0.421 0.467 0.498 0.549 0.593 0.624 0.671 0.735 0.817 0.921 1.048 1.195 1.364 1.534 1.706 42 27 0.371 0.410 0.459 0.506 0.561 0.616 0.663 0.719 0.792 0.888 1.010 1.153 1.320 1.517 1.712 1.896 43 28 0.379 0.421 0.473 0.523 0.583 0.654 0.709 0.782 0.869 0.981 1.113 1.269 1.456 1.679 1.892 2.110 44 29 0.402 0.447 0.497 0.552 0.628 0.709 0.782 0.869 0.974 1.110 1.254 1.422 1.626 1.857 2.093 2.347 45 30 0.429 0.478 0.532 0.588 0.672 0.771 0.851 0.961 1.088 1.235 1.398 1.584 1.799 2.049 2.312 2.621 46 31 0.446 0.505 0.559 0.629 0.715 0.828 0.928 1.045 1.195 1.357 1.539 1.744 1.979 2.259 2.560 2.901 47 32 0.461 0.526 0.593 0.664 0.762 0.890 1.010 1.142 1.306 1.486 1.687 1.919 2.184 2.501 2.833 3.227 48 33 0.463 0.540 0.614 0.702 0.820 0.962 1.097 1.243 1.418 1.616 1.842 2.103 2.417 2.772 3.156 3.606 49 34 0.453 0.541 0.630 0.734 0.869 1.024 1.170 1.331 1.513 1.718 1.979 2.282 2.643 3.060 3.505 4.057 50 35 0.458 0.563 0.671 0.798 0.943 1.121 1.280 1.459 1.660 1.876 2.174 2.511 2.923 3.402 3.917 4.553 51 36 0.471 0.601 0.734 0.878 1.052 1.248 1.434 1.628 1.844 2.085 2.408 2.785 3.254 3.800 4.374 5.051 52 37 0.503 0.652 0.807 0.978 1.175 1.396 1.596 1.818 2.059 2.313 2.670 3.088 3.609 4.214 4.856 5.535 53 38 0.548 0.720 0.908 1.099 1.318 1.558 1.780 2.033 2.288 2.570 2.953 3.416 3.972 4.636 5.360 6.070 54 39 0.603 0.813 1.022 1.233 1.469 1.742 1.988 2.255 2.544 2.847 3.267 3.758 4.359 5.081 5.900 6.669 55 40 0.672 0.915 1.149 1.386 1.640 1.937 2.204 2.498 2.815 3.161 3.602 4.123 4.768 5.554 6.481 7.378 56 41 0.742 1.017 1.290 1.548 1.829 2.145 2.427 2.750 3.109 3.483 3.960 4.524 5.218 6.082 7.112 8.199 57 42 0.814 1.127 1.427 1.714 2.019 2.362 2.671 3.024 3.411 3.820 4.346 4.972 5.728 6.666 7.803 9.094 58 43 0.886 1.232 1.567 1.875 2.210 2.587 2.919 3.293 3.695 4.166 4.759 5.466 6.301 7.316 8.552 10.032 59 44 0.959 1.341 1.703 2.044 2.402 2.814 3.168 3.557 3.975 4.517 5.202 6.001 6.933 8.038 9.366 10.981 60 45 1.041 1.451 1.846 2.226 2.616 3.057 3.433 3.838 4.281 4.900 5.680 6.579 7.620 8.830 10.235 11.940 61
The Life Insurance Company of Virginia Commonwealth VUL Male Preferred Smoker Mortality Assumptions per $1,000
Duration Issue ---------------------------------------------------------------------- Age 1 2 3 4 5 6 7 8 9 ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ 46 1.119 1.562 1.996 2.423 2.857 3.328 3.726 4.163 4.644 47 1.198 1.693 2.173 2.640 3.133 3.641 4.065 4.539 5.100 48 1.277 1.837 2.372 2.885 3.449 4.019 4.481 4.996 5.631 49 1.364 1.991 2.585 3.158 3.797 4.441 4.963 5.527 6.202 50 1.448 2.161 2.815 3.450 4.156 4.884 5.474 6.092 6.787 51 1.536 2.334 3.063 3.752 4.517 5.331 5.981 6.657 7.356 52 1.629 2.520 3.316 4.056 4.868 5.747 6.456 7.162 7.906 53 1.728 2.705 3.565 4.346 5.203 6.118 6.845 7.603 8.440 54 1.839 2.893 3.812 4.632 5.526 6.438 7.192 8.017 8.948 55 1.954 3.098 4.081 4.938 5.838 6.767 7.549 8.418 9.465 56 2.092 3.325 4.381 5.265 6.178 7.132 7.946 8.867 9.984 57 2.260 3.597 4.717 5.643 6.571 7.570 8.429 9.383 10.521 58 2.460 3.912 5.123 6.104 7.065 8.130 9.022 9.999 11.128 59 2.688 4.278 5.597 6.638 7.671 8.801 9.722 10.703 11.857 60 2.944 4.689 6.115 7.228 8.360 9.546 10.491 11.485 12.675 61 3.244 5.119 6.653 7.856 9.078 10.322 11.299 12.313 13.565 62 3.577 5.552 7.182 8.502 9.778 11.100 12.110 13.182 14.509 63 3.943 6.044 7.760 9.150 10.456 11.827 12.884 14.028 15.440 64 4.346 6.616 8.400 9.801 11.123 12.543 13.642 14.852 16.396 65 4.784 7.200 9.057 10.435 11.809 13.293 14.442 15.774 17.471 66 5.244 7.747 9.652 11.055 12.523 14.109 15.381 16.876 18.766 67 5.741 8.196 10.129 11.652 13.272 15.052 16.511 18.242 20.473 68 6.261 8.572 10.519 12.209 14.074 16.147 17.912 20.056 22.592 69 6.812 8.927 10.868 12.748 14.919 17.399 19.667 22.225 25.113 70 7.386 9.234 11.185 13.256 15.796 18.861 21.651 24.701 27.976 71 7.922 9.902 11.980 14.181 16.965 20.238 23.223 26.473 29.958 72 8.495 10.604 12.815 15.234 18.208 21.711 24.895 28.353 32.078 73 9.085 11.330 13.749 16.327 19.506 23.241 26.621 30.312 34.262 74 9.551 11.959 14.495 17.206 20.542 24.455 28.003 31.859 35.978 75 9.901 12.382 15.005 17.799 21.229 25.263 28.906 32.857 37.075 76 10.136 12.671 15.344 18.186 21.682 25.782 29.473 33.473 37.727 77 10.363 12.945 15.664 18.558 22.107 26.264 29.999 34.033 38.326 78 10.804 13.485 16.311 19.309 22.981 27.279 31.125 35.280 39.688 79 11.521 14.375 17.372 20.547 24.433 28.972 33.029 37.399 42.031 80 12.227 15.243 18.404 21.749 25.835 30.609 34.857 39.431 44.609 81 13.176 16.413 19.775 23.437 27.844 32.671 37.584 42.721 47.134 82 14.188 17.637 21.310 25.259 29.719 35.227 40.720 45.139 48.985 83 15.245 19.005 22.967 26.961 32.045 38.166 43.025 46.911 49.853 84 16.429 20.483 24.514 29.070 34.718 40.327 44.715 47.742 50.672 85 17.706 21.863 26.433 31.496 36.684 41.910 45.507 48.527 52.854 Duration Issue ----------------------------------------------------------- Attained Age 10 11 12 13 14 15 Ultimate Age ----- ------ ------ ------ ------- ------- ------- -------- -------- 46 5.316 6.188 7.193 8.364 9.664 11.180 12.984 62 47 5.794 6.743 7.855 9.127 10.564 12.234 14.138 63 48 6.333 7.346 8.531 9.931 11.538 13.390 15.468 64 49 6.930 7.978 9.247 10.792 12.584 14.648 16.947 65 50 7.537 8.635 10.013 11.705 13.690 15.984 18.526 66 51 8.157 9.359 10.879 12.761 15.005 17.607 20.506 67 52 8.786 10.137 11.853 13.989 16.555 19.552 22.917 68 53 9.395 10.908 12.812 15.168 17.990 21.336 25.102 69 54 10.005 11.719 13.884 16.515 19.676 23.438 27.651 70 55 10.623 12.535 14.934 17.825 21.259 25.406 29.937 71 56 11.264 13.389 16.045 19.203 22.968 27.539 32.633 72 57 11.947 14.265 17.130 20.542 24.605 29.519 35.183 73 58 12.688 15.176 18.266 21.964 26.361 31.701 37.799 74 59 13.486 16.181 19.543 23.617 28.530 34.437 41.176 75 60 14.356 17.215 20.789 25.211 30.563 36.977 44.476 76 61 15.297 18.362 22.246 27.105 33.052 40.311 48.703 77 62 16.314 19.568 23.705 28.950 35.543 43.397 52.591 78 63 17.358 20.864 25.366 31.260 38.529 47.187 57.524 79 64 18.437 22.229 27.254 33.719 41.709 51.204 62.716 80 65 19.667 23.872 29.345 36.399 45.122 55.476 68.024 81 66 21.233 25.792 31.732 39.360 48.781 60.022 73.305 82 67 23.149 28.097 34.486 42.645 52.740 64.834 78.934 83 68 25.504 30.860 37.660 46.309 56.987 69.905 84.816 84 69 28.274 34.045 41.246 50.300 61.488 75.204 91.399 85 70 31.391 37.618 45.168 54.577 66.218 80.698 98.506 86 71 33.606 40.336 48.496 58.667 71.238 86.892 105.141 87 72 35.949 43.320 52.273 63.423 77.236 94.428 113.368 88 73 38.363 46.418 56.194 68.394 83.491 101.823 122.826 89 74 40.253 48.766 59.113 72.014 87.985 107.382 129.779 90 75 41.432 50.275 61.010 74.390 91.649 111.407 134.875 91 76 42.127 51.063 61.906 75.985 93.542 113.401 137.264 92 77 42.750 51.769 63.178 77.487 95.351 115.282 139.521 93 78 44.227 53.913 65.743 80.599 99.039 119.273 145.527 94 79 47.148 57.430 70.002 85.766 104.520 126.961 155.098 95 80 50.002 60.880 74.161 90.811 110.708 134.653 164.658 96 81 51.965 61.958 75.380 94.720 117.989 142.953 181.124 97 82 52.886 62.977 78.625 100.950 125.262 157.248 199.237 98 83 53.755 65.688 83.796 107.172 137.788 172.974 219.160 99 84 56.069 70.008 88.961 117.889 151.567 190.270 241.076 100 85 59.757 74.323 97.858 129.679 166.723 209.297 265.184 101
The Life Insurance Company of Virginia Commonwealth VUL Male Standard Smoker Mortality Assumptions per $1,000
Duration Issue ------------------------------------------------------------- Age 1 2 3 4 5 6 7 8 9 ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- 0 2.487 0.601 0.413 0.335 0.291 0.281 0.258 0.251 0.236 1 0.595 0.394 0.331 0.281 0.270 0.230 0.220 0.220 0.218 2 0.350 0.316 0.278 0.263 0.230 0.220 0.210 0.213 0.215 3 0.315 0.267 0.250 0.230 0.220 0.200 0.209 0.210 0.218 4 0.266 0.250 0.230 0.220 0.200 0.205 0.206 0.214 0.235 5 0.250 0.226 0.220 0.200 0.199 0.203 0.210 0.231 0.304 6 0.227 0.217 0.200 0.195 0.198 0.207 0.228 0.299 0.381 7 0.190 0.200 0.195 0.194 0.202 0.225 0.295 0.376 0.497 8 0.180 0.191 0.196 0.200 0.221 0.294 0.374 0.494 0.612 9 0.190 0.190 0.201 0.218 0.288 0.371 0.490 0.606 0.728 10 0.180 0.194 0.218 0.282 0.362 0.485 0.599 0.718 0.826 11 0.194 0.209 0.281 0.352 0.468 0.586 0.700 0.803 0.886 12 0.208 0.268 0.348 0.453 0.562 0.680 0.778 0.856 0.890 13 0.268 0.334 0.448 0.545 0.654 0.757 0.829 0.859 0.753 14 0.332 0.428 0.538 0.633 0.727 0.807 0.834 0.727 0.704 15 0.516 0.641 0.764 0.851 0.935 1.001 1.357 1.319 1.297 16 0.625 0.743 0.817 0.869 0.925 1.319 1.301 1.276 1.252 17 0.719 0.789 0.838 0.864 1.246 1.260 1.245 1.229 1.211 18 0.739 0.784 0.859 1.451 1.525 1.520 1.504 1.499 1.491 19 0.707 0.760 1.356 1.376 1.424 1.414 1.409 1.399 1.417 20 0.659 1.170 1.281 1.291 1.320 1.289 1.306 1.307 1.337 21 0.901 1.082 1.218 1.238 1.275 1.264 1.340 1.389 1.484 22 0.800 0.971 1.109 1.126 1.157 1.185 1.230 1.289 1.402 23 0.720 0.869 1.006 1.018 1.070 1.098 1.151 1.227 1.326 24 0.635 0.770 0.892 0.937 0.987 1.036 1.091 1.169 1.272 25 0.577 0.691 0.825 0.870 0.950 1.014 1.074 1.158 1.272 26 0.544 0.661 0.783 0.846 0.952 1.035 1.104 1.201 1.330 27 0.543 0.643 0.771 0.859 0.972 1.076 1.171 1.285 1.434 28 0.555 0.661 0.795 0.890 1.011 1.142 1.253 1.398 1.573 29 0.589 0.703 0.835 0.939 1.088 1.238 1.381 1.554 1.762 30 0.627 0.750 0.893 1.000 1.165 1.347 1.503 1.718 1.969 31 0.653 0.794 0.939 1.070 1.240 1.445 1.641 1.869 2.162 32 0.675 0.825 0.995 1.128 1.320 1.553 1.785 2.042 2.364 33 0.677 0.847 1.032 1.193 1.421 1.679 1.938 2.223 2.567 34 0.662 0.850 1.059 1.248 1.505 1.788 2.067 2.381 2.740 35 0.672 0.884 1.126 1.357 1.633 1.958 2.261 2.610 3.004 36 0.690 0.945 1.232 1.492 1.823 2.180 2.534 2.912 3.338 37 0.737 1.025 1.355 1.663 2.036 2.437 2.822 3.252 3.727 38 0.802 1.130 1.524 1.868 2.284 2.720 3.146 3.637 4.141 39 0.882 1.277 1.715 2.096 2.546 3.041 3.514 4.034 4.604 40 0.983 1.436 1.928 2.358 2.843 3.381 3.894 4.468 5.095 41 1.087 1.597 2.166 2.632 3.170 3.745 4.289 4.918 5.628 42 1.192 1.770 2.395 2.915 3.498 4.124 4.721 5.408 6.174 43 1.297 1.935 2.631 3.189 3.829 4.516 5.159 5.890 6.689 44 1.404 2.105 2.859 3.475 4.163 4.914 5.599 6.363 7.196 45 1.524 2.279 3.099 3.784 4.534 5.336 6.067 6.864 7.750 Duration Issue ------------------------------------------------------- Attained Age 10 11 12 13 14 15 Ultimate Age ----- ----- ------ ------ ------ ------ ------ -------- -------- 0 0.225 0.225 0.231 0.254 0.331 0.422 0.558 16 1 0.221 0.227 0.248 0.324 0.412 0.544 0.675 17 2 0.223 0.244 0.318 0.404 0.533 0.659 0.791 18 3 0.241 0.313 0.397 0.523 0.647 0.775 0.891 19 4 0.310 0.392 0.515 0.636 0.761 0.874 0.966 20 5 0.388 0.510 0.628 0.750 0.860 0.949 0.991 21 6 0.506 0.622 0.742 0.849 0.936 0.976 0.824 22 7 0.619 0.736 0.842 0.926 0.964 0.819 0.790 23 8 0.736 0.839 0.921 0.957 0.817 0.787 0.768 24 9 0.838 0.919 0.952 0.818 0.786 0.767 0.753 25 10 0.916 0.948 0.820 0.788 0.767 0.752 0.725 26 11 0.925 0.804 0.770 0.746 0.729 0.702 0.682 27 12 0.786 0.750 0.725 0.706 0.677 0.655 0.624 28 13 0.731 0.703 0.682 0.651 0.627 0.595 0.602 29 14 0.690 0.667 0.633 0.608 0.575 0.580 0.582 30 15 1.276 1.251 1.223 1.185 1.225 1.266 1.323 31 16 1.236 1.194 1.163 1.199 1.235 1.287 1.330 32 17 1.191 1.157 1.190 1.223 1.271 1.311 1.312 33 18 1.496 1.432 1.478 1.527 1.563 1.564 1.550 34 19 1.435 1.397 1.475 1.525 1.564 1.574 1.586 35 20 1.393 1.373 1.451 1.490 1.549 1.593 1.609 36 21 1.608 1.586 1.611 1.638 1.668 1.697 1.684 37 22 1.527 1.532 1.559 1.617 1.674 1.734 1.765 38 23 1.454 1.495 1.543 1.633 1.728 1.806 1.897 39 24 1.408 1.497 1.550 1.677 1.811 1.926 2.045 40 25 1.421 1.527 1.631 1.796 1.966 2.097 2.254 41 26 1.496 1.626 1.782 1.960 2.157 2.339 2.509 42 27 1.625 1.782 1.962 2.166 2.400 2.611 2.788 43 28 1.796 1.964 2.159 2.389 2.655 2.885 3.102 44 29 2.032 2.213 2.420 2.667 2.936 3.192 3.451 45 30 2.261 2.468 2.696 2.951 3.240 3.525 3.853 46 31 2.484 2.716 2.967 3.247 3.573 3.904 4.266 47 32 2.722 2.977 3.266 3.582 3.955 4.320 4.744 48 33 2.959 3.252 3.579 3.965 4.384 4.813 5.303 49 34 3.145 3.493 3.883 4.336 4.838 5.346 5.966 50 35 3.435 3.838 4.272 4.796 5.381 5.973 6.695 51 36 3.819 4.250 4.739 5.337 6.011 6.671 7.426 52 37 4.237 4.712 5.254 5.920 6.664 7.404 8.139 53 38 4.706 5.213 5.812 6.516 7.332 8.174 8.926 54 39 5.215 5.767 6.394 7.150 8.036 8.997 9.807 55 40 5.789 6.358 7.015 7.820 8.785 9.883 10.849 56 41 6.379 6.990 7.697 8.559 9.618 10.844 12.056 57 42 6.996 7.671 8.460 9.396 10.542 11.899 13.371 58 43 7.629 8.400 9.300 10.336 11.571 13.041 14.752 59 44 8.274 9.183 10.210 11.372 12.712 14.282 16.146 60 45 8.974 10.027 11.195 12.500 13.965 15.608 17.558 61
The Life Insurance Company of Virginia Commonwealth VUL Male Standard Smoker Mortality Assumptions per $1,000
Duration Issue ---------------------------------------------------------------------- Age 1 2 3 4 5 6 7 8 9 ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ 46 1.638 2.453 3.352 4.119 4.952 5.809 6.584 7.446 8.407 47 1.754 2.657 3.649 4.489 5.429 6.356 7.184 8.119 9.232 48 1.870 2.885 3.982 4.906 5.978 7.016 7.918 8.935 10.193 49 1.997 3.126 4.341 5.370 6.580 7.753 8.771 9.885 11.226 50 2.120 3.393 4.727 5.865 7.203 8.528 9.675 10.896 12.285 51 2.249 3.666 5.143 6.379 7.827 9.306 10.570 11.907 13.314 52 2.385 3.958 5.567 6.897 8.436 10.033 11.409 12.810 14.310 53 2.530 4.248 5.985 7.389 9.016 10.681 12.097 13.599 15.277 54 2.692 4.543 6.399 7.876 9.577 11.240 12.709 14.339 16.197 55 2.859 4.864 6.851 8.395 10.118 11.814 13.340 15.057 17.132 56 3.063 5.222 7.356 8.952 10.707 12.451 14.042 15.860 18.071 57 3.309 5.648 7.920 9.595 11.388 13.215 14.895 16.782 19.043 58 3.601 6.142 8.601 10.377 12.243 14.193 15.944 17.884 20.142 59 3.935 6.718 9.397 11.285 13.294 15.364 17.181 19.144 21.462 60 4.310 7.363 10.267 12.289 14.487 16.665 18.540 20.542 22.943 61 4.749 8.038 11.170 13.357 15.731 18.020 19.968 22.023 24.554 62 5.236 8.719 12.058 14.456 16.944 19.379 21.401 23.578 26.262 63 5.772 9.490 13.028 15.556 18.121 20.648 22.768 25.090 27.947 64 6.362 10.388 14.104 16.664 19.275 21.898 24.109 26.564 29.677 65 7.003 11.306 15.206 17.743 20.465 23.208 25.521 28.214 31.624 66 7.676 12.166 16.204 18.796 21.702 24.631 27.181 30.184 33.968 67 8.405 12.870 17.006 19.812 23.001 26.278 29.179 32.629 37.056 68 9.166 13.460 17.659 20.757 24.390 28.189 31.654 35.873 40.892 69 9.973 14.017 18.247 21.675 25.854 30.375 34.755 39.752 45.456 70 10.813 14.500 18.779 22.539 27.375 32.928 38.263 44.182 50.637 71 11.597 15.548 20.113 24.111 29.399 35.330 41.039 47.351 54.225 72 12.436 16.650 21.514 25.902 31.554 37.903 43.995 50.713 58.062 73 13.300 17.791 23.083 27.761 33.804 40.573 47.044 54.217 62.016 74 13.983 18.779 24.335 29.255 35.600 42.693 49.488 56.984 65.121 75 14.493 19.443 25.191 30.263 36.790 44.103 51.082 58.770 67.107 76 14.838 19.897 25.760 30.921 37.575 45.010 52.085 59.870 68.288 77 15.171 20.327 26.298 31.554 38.311 45.852 53.015 60.873 69.373 78 15.817 21.176 27.384 32.830 39.825 47.622 55.004 63.103 71.837 79 16.867 22.572 29.166 34.935 42.342 50.579 58.369 66.892 76.078 80 17.899 23.935 30.899 36.979 44.772 53.436 61.599 70.528 80.744 81 19.289 25.774 33.202 39.849 48.253 57.157 66.571 76.583 85.438 82 20.770 27.694 35.779 42.949 51.614 61.770 72.287 81.035 88.878 83 22.318 29.844 38.561 45.939 55.779 67.073 76.489 84.297 90.491 84 24.050 32.164 41.247 49.646 60.568 70.972 79.568 85.828 92.014 85 25.920 34.404 44.575 53.909 64.090 73.829 81.012 87.272 96.069 Duration Issue -------------------------------------------------------------- Attained Age 10 11 12 13 14 15 Ultimate Age ----- ------- ------- ------- ------- ------- ------- -------- -------- 46 9.737 10.923 12.239 13.719 15.283 17.048 19.092 62 47 10.612 11.904 13.365 14.972 16.708 18.656 20.789 63 48 11.598 12.968 14.515 16.290 18.248 20.418 22.744 64 49 12.692 14.082 15.733 17.702 19.902 22.336 24.919 65 50 13.804 15.242 17.037 19.200 21.651 24.374 27.241 66 51 14.939 16.521 18.511 20.931 23.731 26.849 30.152 67 52 16.091 17.893 20.168 22.945 26.182 29.815 33.698 68 53 17.206 19.255 21.800 24.881 28.452 32.537 36.910 69 54 18.324 20.686 23.625 27.091 31.118 35.741 40.658 70 55 19.455 22.126 25.410 29.238 33.621 38.742 44.019 71 56 20.629 23.634 27.301 31.498 36.324 41.995 47.985 72 57 21.879 25.180 29.146 33.696 38.914 45.015 51.733 73 58 23.238 26.788 31.079 36.029 41.691 48.342 55.581 74 59 24.700 28.563 33.252 38.740 45.120 52.514 60.545 75 60 26.292 30.387 35.372 41.354 48.337 56.387 65.398 76 61 28.016 32.412 37.851 44.461 52.272 61.472 71.615 77 62 29.878 34.540 40.334 47.488 56.212 66.178 77.331 78 63 31.790 36.828 43.159 51.276 60.934 71.956 84.585 79 64 33.767 39.237 46.372 55.311 65.964 78.081 92.218 80 65 36.019 42.137 49.930 59.706 71.362 84.597 100.025 81 66 38.888 45.526 53.992 64.563 77.148 91.529 107.789 82 67 42.396 49.596 58.678 69.951 83.410 98.867 116.066 83 68 46.710 54.472 64.078 75.962 90.127 106.600 124.715 84 69 51.783 60.095 70.179 82.508 97.244 114.680 134.396 85 70 57.491 66.401 76.852 89.523 104.725 123.059 144.847 86 71 61.549 71.200 82.515 96.233 112.664 132.503 154.932 87 72 65.840 76.466 88.942 104.034 122.151 143.996 167.437 88 73 70.260 81.936 95.614 112.188 132.043 154.906 181.812 89 74 73.722 86.079 100.580 118.126 139.149 163.670 192.381 90 75 75.881 88.743 103.808 122.024 144.935 170.013 200.126 91 76 77.153 90.135 105.332 124.640 147.629 173.157 203.759 92 77 78.295 91.381 107.496 127.103 150.204 176.122 207.188 93 78 81.000 95.164 111.862 132.209 155.565 182.413 216.318 94 79 86.350 101.373 119.108 140.685 164.527 194.532 230.866 95 80 91.576 107.463 126.185 148.548 174.643 206.657 245.397 96 81 95.263 109.413 128.309 155.093 186.389 219.665 269.937 97 82 96.992 111.255 133.962 165.524 198.121 241.631 296.931 98 83 98.625 116.157 142.972 175.943 217.932 265.795 326.624 99 84 102.971 123.969 151.971 193.537 239.726 292.374 359.286 100 85 109.896 131.773 167.168 212.890 263.699 321.611 395.215 101
The Life Insurance Company of Virginia Commonwealth VUL Female Preferred Nonsmoker Mortality Assumptions per $1,000
Duration Issue ----------------------------------------------------------------------------------------------------------------- Attained Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Ultimate Age ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- -------- 0 0.930 0.340 0.261 0.204 0.171 0.159 0.141 0.132 0.120 0.112 0.108 0.108 0.115 0.146 0.181 0.233 16 1 0.340 0.250 0.202 0.166 0.155 0.139 0.131 0.119 0.110 0.108 0.108 0.115 0.146 0.181 0.233 0.282 17 2 0.247 0.193 0.165 0.151 0.135 0.129 0.117 0.109 0.106 0.108 0.115 0.146 0.181 0.233 0.282 0.331 18 3 0.192 0.158 0.149 0.132 0.126 0.116 0.108 0.105 0.106 0.115 0.146 0.181 0.233 0.282 0.331 0.372 19 4 0.156 0.143 0.130 0.122 0.112 0.106 0.104 0.105 0.113 0.146 0.181 0.233 0.282 0.331 0.372 0.403 20 5 0.141 0.125 0.121 0.110 0.103 0.103 0.104 0.112 0.144 0.181 0.233 0.282 0.331 0.372 0.403 0.414 21 6 0.124 0.116 0.108 0.101 0.100 0.103 0.111 0.143 0.179 0.233 0.282 0.331 0.372 0.403 0.414 0.358 22 7 0.115 0.104 0.100 0.097 0.100 0.109 0.141 0.177 0.230 0.282 0.331 0.372 0.403 0.414 0.361 0.344 23 8 0.103 0.095 0.096 0.097 0.106 0.139 0.175 0.227 0.278 0.331 0.372 0.403 0.414 0.364 0.347 0.333 24 9 0.095 0.092 0.096 0.104 0.135 0.172 0.224 0.275 0.326 0.372 0.403 0.414 0.367 0.349 0.335 0.326 25 10 0.091 0.092 0.103 0.132 0.167 0.221 0.271 0.322 0.368 0.403 0.414 0.369 0.352 0.338 0.328 0.315 26 11 0.091 0.098 0.130 0.163 0.215 0.268 0.318 0.363 0.398 0.414 0.372 0.355 0.341 0.331 0.318 0.308 27 12 0.098 0.125 0.161 0.210 0.260 0.314 0.359 0.393 0.409 0.375 0.357 0.343 0.333 0.320 0.311 0.295 28 13 0.124 0.155 0.208 0.254 0.305 0.354 0.388 0.404 0.370 0.360 0.345 0.336 0.322 0.313 0.298 0.304 29 14 0.153 0.199 0.251 0.298 0.343 0.383 0.399 0.364 0.355 0.349 0.338 0.326 0.315 0.300 0.306 0.309 30 15 0.194 0.238 0.289 0.326 0.359 0.387 0.359 0.349 0.343 0.338 0.328 0.318 0.302 0.309 0.312 0.316 31 16 0.235 0.276 0.310 0.335 0.359 0.347 0.344 0.338 0.333 0.330 0.318 0.304 0.311 0.314 0.318 0.322 32 17 0.276 0.300 0.326 0.340 0.334 0.334 0.332 0.328 0.325 0.322 0.309 0.315 0.318 0.322 0.325 0.322 33 18 0.290 0.308 0.342 0.268 0.280 0.279 0.272 0.267 0.263 0.259 0.253 0.264 0.275 0.285 0.291 0.296 34 19 0.283 0.304 0.255 0.255 0.262 0.260 0.256 0.251 0.249 0.249 0.245 0.260 0.273 0.285 0.294 0.304 35 20 0.269 0.221 0.242 0.240 0.244 0.239 0.240 0.235 0.237 0.241 0.239 0.256 0.269 0.287 0.303 0.318 36 21 0.194 0.214 0.237 0.234 0.236 0.232 0.237 0.238 0.244 0.252 0.255 0.269 0.285 0.304 0.327 0.345 37 22 0.185 0.206 0.232 0.229 0.230 0.231 0.233 0.234 0.242 0.253 0.262 0.276 0.298 0.324 0.354 0.381 38 23 0.181 0.200 0.228 0.225 0.229 0.232 0.233 0.237 0.246 0.260 0.274 0.290 0.318 0.350 0.380 0.416 39 24 0.174 0.193 0.222 0.224 0.230 0.236 0.236 0.243 0.255 0.274 0.296 0.315 0.350 0.389 0.425 0.466 40 25 0.169 0.186 0.217 0.222 0.233 0.241 0.245 0.255 0.271 0.294 0.322 0.351 0.394 0.439 0.479 0.526 41 26 0.161 0.178 0.207 0.214 0.231 0.245 0.252 0.266 0.285 0.314 0.347 0.386 0.430 0.482 0.530 0.577 42 27 0.161 0.175 0.204 0.216 0.236 0.256 0.270 0.287 0.313 0.348 0.385 0.428 0.478 0.535 0.588 0.635 43 28 0.164 0.177 0.205 0.220 0.243 0.270 0.287 0.313 0.345 0.385 0.424 0.471 0.525 0.587 0.644 0.700 44 29 0.169 0.181 0.209 0.227 0.256 0.287 0.313 0.345 0.382 0.430 0.473 0.521 0.578 0.643 0.706 0.772 45 30 0.175 0.190 0.221 0.240 0.273 0.313 0.342 0.382 0.427 0.480 0.527 0.578 0.638 0.706 0.775 0.855 46 31 0.179 0.198 0.231 0.254 0.290 0.337 0.373 0.415 0.469 0.526 0.577 0.635 0.699 0.775 0.853 0.948 47 32 0.180 0.201 0.239 0.264 0.305 0.356 0.399 0.446 0.504 0.566 0.622 0.685 0.756 0.839 0.929 1.036 48 33 0.176 0.202 0.243 0.275 0.322 0.378 0.426 0.477 0.537 0.606 0.670 0.742 0.827 0.929 1.036 1.160 49 34 0.171 0.202 0.250 0.287 0.340 0.402 0.453 0.509 0.573 0.644 0.719 0.803 0.909 1.030 1.155 1.308 50 35 0.171 0.208 0.262 0.307 0.365 0.433 0.488 0.551 0.621 0.696 0.779 0.877 0.996 1.132 1.271 1.446 51 36 0.171 0.215 0.278 0.329 0.394 0.468 0.532 0.598 0.671 0.753 0.848 0.956 1.090 1.242 1.398 1.585 52 37 0.177 0.226 0.297 0.355 0.427 0.508 0.576 0.650 0.730 0.821 0.924 1.042 1.188 1.356 1.534 1.724 53 38 0.190 0.247 0.329 0.394 0.474 0.562 0.636 0.721 0.812 0.914 1.021 1.147 1.301 1.485 1.686 1.878 54 39 0.207 0.275 0.366 0.437 0.523 0.622 0.705 0.800 0.905 1.015 1.131 1.269 1.439 1.649 1.882 2.094 55 40 0.223 0.300 0.400 0.478 0.568 0.674 0.767 0.872 0.984 1.107 1.230 1.376 1.563 1.790 2.055 2.311 56 41 0.239 0.324 0.436 0.519 0.617 0.733 0.831 0.943 1.068 1.202 1.341 1.509 1.717 1.976 2.290 2.619 57 42 0.259 0.356 0.478 0.570 0.681 0.808 0.916 1.039 1.178 1.330 1.491 1.682 1.914 2.207 2.563 2.967 58 43 0.274 0.378 0.511 0.612 0.733 0.870 0.983 1.115 1.262 1.441 1.628 1.852 2.123 2.454 2.858 3.339 59 44 0.288 0.400 0.545 0.655 0.782 0.929 1.051 1.190 1.347 1.553 1.776 2.044 2.358 2.733 3.183 3.742 60 45 0.304 0.424 0.579 0.700 0.836 0.993 1.125 1.274 1.441 1.675 1.943 2.254 2.619 3.042 3.548 4.165 61
The Life Insurance Company of Virginia Commonwealth VUL Female Preferred Nonsmoker Mortality Assumptions per $1,000
Duration Issue ---------------------------------------------------------------------- Age 1 2 3 4 5 6 7 8 9 ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ 46 0.320 0.448 0.615 0.747 0.898 1.068 1.211 1.373 1.554 47 0.336 0.476 0.656 0.801 0.972 1.159 1.312 1.487 1.702 48 0.351 0.506 0.704 0.864 1.061 1.269 1.436 1.631 1.876 49 0.368 0.539 0.757 0.937 1.158 1.391 1.585 1.800 2.063 50 0.383 0.577 0.816 1.014 1.258 1.524 1.742 1.980 2.251 51 0.410 0.632 0.900 1.120 1.393 1.697 1.944 2.208 2.498 52 0.441 0.691 0.989 1.233 1.531 1.868 2.141 2.432 2.748 53 0.474 0.753 1.084 1.348 1.671 2.029 2.324 2.642 2.992 54 0.512 0.821 1.182 1.467 1.811 2.186 2.499 2.842 3.235 55 0.554 0.897 1.292 1.596 1.959 2.352 2.676 3.043 3.489 56 0.606 0.983 1.416 1.742 2.122 2.528 2.873 3.268 3.755 57 0.668 1.085 1.561 1.911 2.302 2.737 3.107 3.529 4.042 58 0.742 1.208 1.735 2.108 2.524 2.997 3.393 3.841 4.368 59 0.830 1.352 1.934 2.338 2.794 3.310 3.735 4.202 4.755 60 0.931 1.512 2.154 2.596 3.107 3.667 4.118 4.606 5.200 61 1.046 1.683 2.390 2.879 3.446 4.052 4.532 5.051 5.693 62 1.176 1.861 2.632 3.183 3.793 4.452 4.968 5.532 6.225 63 1.322 2.067 2.905 3.500 4.145 4.852 5.407 6.019 6.777 64 1.487 2.312 3.213 3.830 4.509 5.264 5.854 6.519 7.358 65 1.671 2.570 3.540 4.171 4.898 5.704 6.339 7.079 8.018 66 1.872 2.826 3.858 4.521 5.310 6.193 6.903 7.744 8.804 67 2.094 3.058 4.142 4.872 5.758 6.755 7.577 8.558 9.764 68 2.336 3.272 4.398 5.222 6.242 7.410 8.403 9.565 10.962 69 2.600 3.484 4.649 5.575 6.766 8.163 9.380 10.784 12.392 70 2.883 3.686 4.892 5.928 7.324 8.996 10.506 12.189 14.048 71 3.163 4.041 5.357 6.483 7.996 9.820 11.459 13.294 15.319 72 3.467 4.426 5.859 7.080 8.732 10.713 12.501 14.498 16.704 73 3.792 4.834 6.390 7.720 9.513 11.670 13.612 15.785 18.175 74 4.076 5.188 6.854 8.274 10.195 12.505 14.582 16.900 19.455 75 4.295 5.464 7.215 8.710 10.729 13.155 15.334 17.768 20.452 76 4.473 5.687 7.508 9.062 11.158 13.677 15.938 18.465 21.247 77 4.651 5.912 7.805 9.417 11.590 14.203 16.549 19.167 22.050 78 4.934 6.272 8.277 9.981 12.281 15.048 17.529 20.298 23.349 79 5.358 6.808 8.980 10.827 13.321 16.317 19.002 22.002 25.306 80 5.791 7.354 9.698 11.692 14.380 17.610 20.507 23.741 27.290 81 6.402 8.284 10.697 13.177 16.200 19.288 22.786 26.359 29.550 82 7.212 9.138 12.056 14.845 17.743 21.431 25.299 28.542 31.529 83 7.955 10.298 13.582 16.259 19.715 23.794 27.393 30.453 32.524 84 8.965 11.602 14.876 18.065 21.889 25.764 29.228 31.414 33.531 85 10.100 12.707 16.529 20.058 23.702 27.490 30.150 32.387 35.165 Duration Issue ---------------------------------------------------------- Attained Age 10 11 12 13 14 15 Ultimate Age ----- ------ ------ ------ ------ ------- ------- -------- -------- 46 1.813 2.121 2.481 2.901 3.384 3.953 4.620 62 47 1.973 2.310 2.705 3.172 3.705 4.317 5.019 63 48 2.154 2.511 2.942 3.455 4.037 4.712 5.474 64 49 2.352 2.730 3.191 3.744 4.389 5.136 5.980 65 50 2.559 2.967 3.471 4.093 4.830 5.696 6.678 66 51 2.835 3.272 3.826 4.515 5.347 6.328 7.438 67 52 3.114 3.596 4.207 4.974 5.906 7.004 8.244 68 53 3.397 3.935 4.617 5.468 6.494 7.713 9.101 69 54 3.688 4.292 5.060 5.995 7.116 8.460 9.967 70 55 3.995 4.677 5.534 6.562 7.789 9.271 10.880 71 56 4.327 5.092 6.044 7.178 8.527 10.156 11.967 72 57 4.690 5.543 6.600 7.855 9.340 11.136 13.191 73 58 5.089 6.031 7.200 8.588 10.237 12.227 14.492 74 59 5.532 6.562 7.837 9.378 11.220 13.426 15.921 75 60 6.025 7.138 8.529 10.236 12.292 14.738 17.482 76 61 6.564 7.799 9.357 11.302 13.671 16.461 19.664 77 62 7.161 8.531 10.275 12.483 15.174 18.372 22.084 78 63 7.790 9.349 11.356 13.915 17.079 20.836 25.336 79 64 8.461 10.196 12.437 15.332 18.903 23.162 28.354 80 65 9.227 11.189 13.760 17.080 21.215 26.166 32.206 81 66 10.127 12.315 15.171 18.865 23.470 29.004 35.605 82 67 11.232 13.711 16.942 21.111 26.317 32.631 40.108 83 68 12.585 15.344 18.886 23.427 29.098 36.060 44.241 84 69 14.198 17.324 21.264 26.276 32.566 40.409 49.859 85 70 16.052 19.589 23.942 29.450 36.384 45.163 56.170 86 71 17.500 21.501 26.444 32.713 40.614 50.642 61.521 87 72 19.070 23.680 29.401 36.664 45.852 57.213 68.357 88 73 20.745 26.038 32.615 40.991 51.611 62.974 75.896 89 74 22.206 28.057 35.348 44.652 56.394 67.777 82.180 90 75 23.334 29.687 37.618 47.746 59.517 71.937 87.684 91 76 24.237 30.832 39.064 49.553 61.239 74.126 90.451 92 77 25.150 31.991 40.507 51.373 62.984 76.332 93.252 93 78 26.628 33.850 42.853 54.348 65.826 79.943 97.798 94 79 28.843 36.658 46.408 58.190 70.136 85.385 104.698 95 80 31.098 39.524 50.025 61.656 74.501 90.923 111.729 96 81 33.181 40.771 51.574 64.662 79.757 97.029 122.902 97 82 34.228 42.034 54.088 69.224 85.113 106.732 135.192 98 83 35.288 44.083 57.904 73.873 93.625 117.405 148.712 99 84 37.008 47.193 61.793 81.260 102.987 129.146 163.583 100 85 39.619 50.362 67.972 89.386 113.286 142.061 179.941 101
The Life Insurance Company of Virginia Commonwealth VUL Female Standard Nonsmoker Mortality Assumptions per $1,000
Duration Issue ----------------------------------------------------------------------------------------------------------------- Attained Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Ultimate Age ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- -------- 0 0.930 0.340 0.261 0.204 0.171 0.159 0.141 0.132 0.120 0.112 0.108 0.108 0.115 0.146 0.181 0.233 16 1 0.340 0.250 0.202 0.166 0.155 0.139 0.131 0.119 0.110 0.108 0.108 0.115 0.146 0.181 0.233 0.282 17 2 0.247 0.193 0.165 0.151 0.135 0.129 0.117 0.109 0.106 0.108 0.115 0.146 0.181 0.233 0.282 0.331 18 3 0.192 0.158 0.149 0.132 0.126 0.116 0.108 0.105 0.106 0.115 0.146 0.181 0.233 0.282 0.331 0.372 19 4 0.156 0.143 0.130 0.122 0.112 0.106 0.104 0.105 0.113 0.146 0.181 0.233 0.282 0.331 0.372 0.403 20 5 0.141 0.125 0.121 0.110 0.103 0.103 0.104 0.112 0.144 0.181 0.233 0.282 0.331 0.372 0.403 0.414 21 6 0.124 0.116 0.108 0.101 0.100 0.103 0.111 0.143 0.179 0.233 0.282 0.331 0.372 0.403 0.414 0.358 22 7 0.115 0.104 0.100 0.097 0.100 0.109 0.141 0.177 0.230 0.282 0.331 0.372 0.403 0.414 0.361 0.344 23 8 0.103 0.095 0.096 0.097 0.106 0.139 0.175 0.227 0.278 0.331 0.372 0.403 0.414 0.364 0.347 0.333 24 9 0.095 0.092 0.096 0.104 0.135 0.172 0.224 0.275 0.326 0.372 0.403 0.414 0.367 0.349 0.335 0.326 25 10 0.091 0.092 0.103 0.132 0.167 0.221 0.271 0.322 0.368 0.403 0.414 0.369 0.352 0.338 0.328 0.315 26 11 0.091 0.098 0.130 0.163 0.215 0.268 0.318 0.363 0.398 0.414 0.372 0.355 0.341 0.331 0.318 0.308 27 12 0.098 0.125 0.161 0.210 0.260 0.314 0.359 0.393 0.409 0.375 0.357 0.343 0.333 0.320 0.311 0.295 28 13 0.124 0.155 0.208 0.254 0.305 0.354 0.388 0.404 0.370 0.360 0.345 0.336 0.322 0.313 0.298 0.304 29 14 0.153 0.199 0.251 0.298 0.343 0.383 0.399 0.364 0.355 0.349 0.338 0.326 0.315 0.300 0.306 0.309 30 15 0.194 0.238 0.289 0.326 0.359 0.387 0.359 0.349 0.343 0.338 0.328 0.318 0.302 0.309 0.312 0.316 31 16 0.235 0.276 0.310 0.335 0.359 0.347 0.344 0.338 0.333 0.330 0.318 0.304 0.311 0.314 0.318 0.322 32 17 0.276 0.300 0.326 0.340 0.334 0.334 0.332 0.328 0.325 0.322 0.309 0.315 0.318 0.322 0.325 0.322 33 18 0.290 0.308 0.342 0.360 0.370 0.359 0.359 0.363 0.367 0.369 0.352 0.356 0.360 0.363 0.359 0.354 34 19 0.283 0.304 0.337 0.343 0.346 0.335 0.338 0.341 0.347 0.356 0.340 0.351 0.357 0.363 0.364 0.365 35 20 0.269 0.307 0.320 0.323 0.323 0.307 0.318 0.319 0.330 0.345 0.332 0.346 0.352 0.365 0.374 0.381 36 21 0.265 0.298 0.313 0.315 0.312 0.298 0.313 0.323 0.340 0.359 0.354 0.363 0.374 0.386 0.403 0.413 37 22 0.253 0.287 0.306 0.307 0.305 0.298 0.308 0.317 0.337 0.361 0.364 0.372 0.390 0.411 0.437 0.455 38 23 0.247 0.278 0.302 0.303 0.304 0.299 0.309 0.322 0.342 0.372 0.380 0.392 0.417 0.446 0.469 0.498 39 24 0.237 0.269 0.293 0.301 0.305 0.303 0.313 0.329 0.356 0.391 0.410 0.425 0.459 0.495 0.525 0.558 40 25 0.230 0.259 0.287 0.298 0.308 0.311 0.324 0.347 0.378 0.419 0.447 0.473 0.516 0.559 0.591 0.629 41 26 0.220 0.247 0.274 0.288 0.306 0.316 0.333 0.361 0.398 0.448 0.482 0.520 0.563 0.613 0.654 0.691 42 27 0.220 0.243 0.269 0.291 0.312 0.330 0.358 0.390 0.436 0.497 0.535 0.577 0.626 0.680 0.725 0.761 43 28 0.223 0.246 0.271 0.296 0.321 0.348 0.380 0.425 0.480 0.550 0.589 0.635 0.688 0.747 0.796 0.838 44 29 0.230 0.251 0.276 0.305 0.338 0.370 0.414 0.468 0.532 0.614 0.656 0.702 0.758 0.817 0.872 0.924 45 30 0.239 0.264 0.293 0.323 0.361 0.403 0.453 0.518 0.595 0.685 0.731 0.779 0.835 0.898 0.957 1.024 46 31 0.244 0.276 0.305 0.342 0.384 0.433 0.493 0.563 0.654 0.752 0.802 0.856 0.916 0.986 1.053 1.135 47 32 0.246 0.280 0.316 0.356 0.403 0.458 0.528 0.607 0.702 0.809 0.863 0.924 0.990 1.067 1.147 1.240 48 33 0.241 0.280 0.322 0.370 0.426 0.486 0.564 0.648 0.749 0.866 0.930 1.000 1.084 1.181 1.279 1.390 49 34 0.233 0.281 0.330 0.386 0.450 0.517 0.600 0.691 0.798 0.921 0.997 1.083 1.191 1.310 1.425 1.566 50 35 0.232 0.289 0.346 0.413 0.482 0.558 0.646 0.748 0.865 0.994 1.082 1.183 1.305 1.439 1.569 1.731 51 36 0.232 0.299 0.367 0.442 0.521 0.602 0.703 0.812 0.936 1.076 1.176 1.290 1.427 1.579 1.725 1.898 52 37 0.241 0.314 0.392 0.478 0.564 0.654 0.762 0.882 1.017 1.173 1.283 1.406 1.555 1.724 1.894 2.065 53 38 0.259 0.343 0.436 0.530 0.626 0.724 0.842 0.979 1.131 1.306 1.418 1.547 1.704 1.888 2.082 2.248 54 39 0.282 0.384 0.484 0.588 0.692 0.801 0.933 1.087 1.260 1.450 1.571 1.711 1.886 2.096 2.323 2.507 55 40 0.305 0.417 0.529 0.643 0.752 0.867 1.015 1.184 1.371 1.582 1.707 1.856 2.048 2.276 2.536 2.767 56 41 0.326 0.451 0.577 0.698 0.816 0.943 1.098 1.281 1.488 1.718 1.862 2.036 2.249 2.513 2.826 3.136 57 42 0.354 0.495 0.632 0.767 0.901 1.041 1.212 1.411 1.641 1.900 2.070 2.269 2.507 2.806 3.163 3.551 58 43 0.374 0.526 0.675 0.823 0.969 1.119 1.301 1.513 1.757 2.058 2.260 2.498 2.781 3.120 3.527 3.998 59 44 0.393 0.556 0.720 0.881 1.034 1.196 1.390 1.616 1.878 2.218 2.466 2.756 3.088 3.476 3.928 4.480 60 45 0.414 0.590 0.766 0.941 1.105 1.279 1.488 1.731 2.008 2.392 2.696 3.039 3.430 3.868 4.379 4.987 61
The Life Insurance Company of Virginia Commonwealth VUL Female Standard Nonsmoker Mortality Assumptions per $1,000
Duration Issue ---------------------------------------------------------------------- Age 1 2 3 4 5 6 7 8 9 ----- ------ ------ ------ ------ ------ ------ ------ ------ ------ 46 0.437 0.623 0.813 1.005 1.188 1.375 1.603 1.864 2.165 47 0.459 0.662 0.868 1.078 1.286 1.492 1.735 2.019 2.372 48 0.480 0.704 0.931 1.162 1.403 1.634 1.899 2.215 2.613 49 0.501 0.750 1.001 1.260 1.531 1.792 2.096 2.444 2.874 50 0.523 0.802 1.079 1.364 1.663 1.962 2.305 2.689 3.136 51 0.560 0.878 1.190 1.506 1.842 2.184 2.572 2.998 3.480 52 0.601 0.962 1.308 1.659 2.025 2.405 2.832 3.302 3.828 53 0.647 1.048 1.433 1.813 2.210 2.613 3.074 3.588 4.169 54 0.699 1.142 1.563 1.973 2.395 2.815 3.306 3.859 4.507 55 0.756 1.247 1.709 2.147 2.591 3.028 3.540 4.133 4.860 56 0.826 1.367 1.872 2.344 2.806 3.255 3.800 4.439 5.232 57 0.911 1.509 2.064 2.571 3.044 3.523 4.109 4.792 5.631 58 1.012 1.680 2.294 2.837 3.338 3.858 4.488 5.216 6.087 59 1.133 1.881 2.556 3.146 3.695 4.262 4.940 5.706 6.625 60 1.270 2.102 2.849 3.492 4.109 4.721 5.448 6.255 7.244 61 1.427 2.341 3.159 3.873 4.557 5.217 5.994 6.859 7.932 62 1.604 2.589 3.480 4.282 5.016 5.732 6.571 7.513 8.674 63 1.803 2.876 3.841 4.709 5.480 6.246 7.152 8.174 9.442 64 2.028 3.215 4.249 5.153 5.963 6.777 7.743 8.852 10.252 65 2.280 3.576 4.680 5.612 6.477 7.344 8.385 9.613 11.171 66 2.554 3.931 5.102 6.082 7.022 7.973 9.130 10.516 12.267 67 2.857 4.253 5.477 6.554 7.614 8.697 10.023 11.623 13.605 68 3.186 4.551 5.815 7.025 8.254 9.540 11.116 12.990 15.273 69 3.547 4.845 6.147 7.500 8.947 10.510 12.408 14.645 17.266 70 3.933 5.128 6.468 7.975 9.685 11.582 13.897 16.553 19.573 71 4.315 5.622 7.083 8.722 10.574 12.643 15.158 18.053 21.344 72 4.730 6.156 7.747 9.525 11.546 13.794 16.536 19.689 23.273 73 5.173 6.724 8.449 10.386 12.579 15.025 18.006 21.436 25.324 74 5.560 7.216 9.062 11.130 13.481 16.100 19.289 22.951 27.107 75 5.859 7.601 9.540 11.717 14.187 16.937 20.283 24.129 28.496 76 6.102 7.910 9.927 12.191 14.755 17.608 21.082 25.076 29.604 77 6.345 8.224 10.320 12.669 15.326 18.286 21.890 26.029 30.723 78 6.732 8.724 10.944 13.427 16.240 19.374 23.187 27.565 32.532 79 7.310 9.470 11.874 14.566 17.615 21.008 25.136 29.879 35.259 80 7.900 10.230 12.823 15.729 19.015 22.673 27.125 32.241 38.023 81 8.735 11.523 14.144 17.726 21.422 25.174 30.568 36.246 41.525 82 9.839 12.710 15.941 19.970 23.786 28.370 34.367 39.585 44.592 83 10.853 14.325 17.958 22.174 26.806 31.895 37.532 42.509 46.134 84 12.231 16.138 19.940 24.988 30.136 34.832 40.304 43.979 47.695 85 13.779 17.918 22.471 28.092 32.911 37.406 41.698 45.467 50.229 Duration Issue ----------------------------------------------------------- Attained Age 10 11 12 13 14 15 Ultimate Age ----- ------ ------ ------ ------- ------- ------- -------- -------- 46 2.590 2.944 3.345 3.800 4.304 4.878 5.531 62 47 2.818 3.207 3.648 4.154 4.712 5.327 6.008 63 48 3.077 3.487 3.968 4.525 5.133 5.814 6.553 64 49 3.360 3.790 4.304 4.903 5.581 6.338 7.160 65 50 3.656 4.119 4.681 5.361 6.142 7.030 7.995 66 51 4.050 4.541 5.160 5.914 6.800 7.809 8.906 67 52 4.450 4.991 5.674 6.515 7.511 8.643 9.869 68 53 4.852 5.462 6.227 7.162 8.258 9.518 10.896 69 54 5.269 5.958 6.824 7.852 9.049 10.440 11.933 70 55 5.708 6.493 7.463 8.595 9.905 11.441 13.027 71 56 6.181 7.070 8.151 9.401 10.843 12.533 14.327 72 57 6.700 7.694 8.901 10.289 11.876 13.742 15.792 73 58 7.269 8.373 9.710 11.248 13.017 15.089 17.349 74 59 7.903 9.110 10.570 12.283 14.268 16.569 19.061 75 60 8.607 9.909 11.502 13.406 15.629 18.188 20.930 76 61 9.377 10.827 12.620 14.803 17.384 20.314 23.542 77 62 10.229 11.842 13.856 16.350 19.295 22.672 26.440 78 63 11.129 12.979 15.315 18.226 21.718 25.713 30.333 79 64 12.087 14.155 16.773 20.081 24.036 28.583 33.946 80 65 13.181 15.533 18.558 22.371 26.977 32.291 38.557 81 66 14.468 17.096 20.460 24.710 29.844 35.793 42.628 82 67 16.046 19.035 22.848 27.651 33.465 40.269 48.018 83 68 17.978 21.302 25.470 30.684 37.001 44.501 52.967 84 69 20.282 24.050 28.677 34.416 41.411 49.868 59.693 85 70 22.931 27.194 32.289 38.573 46.265 55.735 67.248 86 71 25.000 29.849 35.664 42.847 51.644 62.497 74.668 87 72 27.243 32.874 39.651 48.021 58.305 70.550 84.146 88 73 29.636 36.147 43.986 53.689 65.628 78.783 94.601 89 74 31.722 38.950 47.672 58.483 71.233 85.649 103.314 90 75 33.334 41.212 50.734 62.536 75.831 91.595 110.946 91 76 34.624 42.802 52.683 64.903 78.368 94.724 114.782 92 77 35.929 44.411 54.630 67.281 80.938 97.876 118.666 93 78 38.040 46.993 57.794 70.691 85.123 103.038 124.970 94 79 41.205 50.891 62.588 75.844 91.471 110.816 134.537 95 80 44.425 54.869 67.439 81.101 97.900 118.732 144.287 96 81 47.706 56.766 69.721 85.409 105.395 127.336 158.715 97 82 49.356 58.686 73.425 91.948 113.034 140.069 174.587 98 83 51.026 61.804 79.046 98.611 124.336 154.076 192.046 99 84 53.737 66.536 84.775 108.472 136.769 169.484 211.250 100 85 57.851 71.357 93.252 119.319 150.447 186.431 232.375 101
The Life Insurance Company of Virginia Commonwealth VUL Female Preferred Smoker Mortality Assumptions per $1,000
Duration Issue ----------------------------------------------------------------------------------------------------------------- Attained Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Ultimate Age ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- -------- -------- 0 0.930 0.340 0.261 0.204 0.171 0.159 0.141 0.132 0.120 0.112 0.108 0.108 0.115 0.146 0.181 0.233 16 1 0.340 0.250 0.202 0.166 0.155 0.139 0.131 0.119 0.110 0.108 0.108 0.115 0.146 0.181 0.233 0.282 17 2 0.247 0.193 0.165 0.151 0.135 0.129 0.117 0.109 0.106 0.108 0.115 0.146 0.181 0.233 0.282 0.331 18 3 0.192 0.158 0.149 0.132 0.126 0.116 0.108 0.105 0.106 0.115 0.146 0.181 0.233 0.282 0.331 0.372 19 4 0.156 0.143 0.130 0.122 0.112 0.106 0.104 0.105 0.113 0.146 0.181 0.233 0.282 0.331 0.372 0.403 20 5 0.141 0.125 0.121 0.110 0.103 0.103 0.104 0.112 0.144 0.181 0.233 0.282 0.331 0.372 0.403 0.414 21 6 0.124 0.116 0.108 0.101 0.100 0.103 0.111 0.143 0.179 0.233 0.282 0.331 0.372 0.403 0.414 0.358 22 7 0.115 0.104 0.100 0.097 0.100 0.109 0.141 0.177 0.230 0.282 0.331 0.372 0.403 0.414 0.361 0.344 23 8 0.103 0.095 0.096 0.097 0.106 0.139 0.175 0.227 0.278 0.331 0.372 0.403 0.414 0.364 0.347 0.333 24 9 0.095 0.092 0.096 0.104 0.135 0.172 0.224 0.275 0.326 0.372 0.403 0.414 0.367 0.349 0.335 0.326 25 10 0.091 0.092 0.103 0.132 0.167 0.221 0.271 0.322 0.368 0.403 0.414 0.369 0.352 0.338 0.328 0.315 26 11 0.091 0.098 0.130 0.163 0.215 0.268 0.318 0.363 0.398 0.414 0.372 0.355 0.341 0.331 0.318 0.308 27 12 0.098 0.125 0.161 0.210 0.260 0.314 0.359 0.393 0.409 0.375 0.357 0.343 0.333 0.320 0.311 0.295 28 13 0.124 0.155 0.208 0.254 0.305 0.354 0.388 0.404 0.370 0.360 0.345 0.336 0.322 0.313 0.298 0.304 29 14 0.153 0.199 0.251 0.298 0.343 0.383 0.399 0.364 0.355 0.349 0.338 0.326 0.315 0.300 0.306 0.309 30 15 0.236 0.296 0.356 0.401 0.444 0.481 0.684 0.673 0.669 0.664 0.659 0.654 0.638 0.673 0.703 0.743 31 16 0.286 0.344 0.383 0.412 0.444 0.667 0.668 0.664 0.659 0.661 0.649 0.640 0.675 0.706 0.745 0.785 32 17 0.336 0.373 0.401 0.419 0.636 0.654 0.655 0.656 0.656 0.657 0.646 0.681 0.711 0.749 0.788 0.807 33 18 0.352 0.374 0.388 0.439 0.461 0.463 0.459 0.459 0.460 0.462 0.470 0.512 0.558 0.605 0.642 0.675 34 19 0.343 0.369 0.418 0.427 0.439 0.439 0.439 0.439 0.445 0.457 0.470 0.523 0.573 0.624 0.665 0.707 35 20 0.326 0.389 0.405 0.409 0.416 0.410 0.419 0.420 0.435 0.457 0.475 0.533 0.582 0.641 0.697 0.748 36 21 0.342 0.384 0.404 0.405 0.410 0.405 0.423 0.437 0.462 0.494 0.524 0.575 0.630 0.691 0.762 0.824 37 22 0.332 0.376 0.401 0.403 0.408 0.413 0.427 0.443 0.475 0.514 0.554 0.604 0.670 0.747 0.836 0.920 38 23 0.330 0.371 0.402 0.404 0.415 0.426 0.442 0.465 0.499 0.544 0.593 0.646 0.727 0.818 0.910 1.018 39 24 0.322 0.365 0.397 0.410 0.428 .0.446 0.464 0.493 0.534 0.586 0.652 0.711 0.811 0.922 1.031 1.157 40 25 0.319 0.357 0.397 0.417 0.448 0.474 0.498 0.534 0.581 0.640 0.719 0.803 0.924 1.054 1.176 1.320 41 26 0.309 0.349 0.390 0.417 0.459 0.498 0.528 0.569 0.622 0.693 0.785 0.895 1.022 1.172 1.319 1.468 42 27 0.316 0.353 0.396 0.435 0.485 0.536 0.578 0.626 0.692 0.778 0.883 1.006 1.151 1.317 1.479 1.628 43 28 0.331 0.368 0.413 0.458 0.514 0.578 0.626 0.692 0.772 0.872 0.985 1.120 1.278 1.464 1.636 1.809 44 29 0.351 0.390 0.436 0.487 0.555 0.626 0.692 0.772 0.866 0.987 1.112 1.255 1.426 1.616 1.807 2.012 45 30 0.379 0.424 0.475 0.527 0.601 0.692 0.766 0.866 0.981 1.116 1.255 1.411 1.586 1.790 2.000 2.237 46 31 0.400 0.456 0.507 0.569 0.649 0.753 0.846 0.953 1.092 1.240 1.393 1.561 1.753 1.979 2.210 2.469 47 32 0.414 0.474 0.534 0.599 0.690 0.807 0.916 1.038 1.187 1.351 1.513 1.700 1.910 2.151 2.398 2.688 48 33 0.415 0.483 0.552 0.632 0.740 0.868 0.992 1.124 1.282 1.457 1.643 1.854 2.098 2.371 2.662 2.999 49 34 0.409 0.490 0.573 0.668 0.791 0.935 1.068 1.215 1.378 1.562 1.777 2.015 2.297 2.619 2.955 3.366 50 35 0.414 0.511 0.609 0.725 0.858 1.021 1.164 1.325 1.506 1.700 1.934 2.192 2.507 2.866 3.239 3.706 51 36 0.420 0.536 0.654 0.785 0.940 1.115 1.278 1.450 1.641 1.848 2.096 2.381 2.732 3.132 3.549 4.031 52 37 0.440 0.571 0.708 0.858 1.030 1.222 1.396 1.588 1.792 2.007 2.275 2.585 2.965 3.407 3.862 4.330 53 38 0.479 0.631 0.796 0.964 1.153 1.362 1.555 1.769 1.985 2.225 2.504 2.834 3.234 3.700 4.193 4.656 54 39 0.529 0.714 0.896 1.079 1.284 1.522 1.730 1.957 2.203 2.461 2.764 3.120 3.550 4.058 4.622 5.127 55 40 0.578 0.787 0.986 1.189 1.406 1.654 1.876 2.122 2.387 2.674 2.991 3.358 3.807 4.351 4.982 5.561 56 41 0.626 0.857 1.085 1.301 1.532 1.791 2.022 2.286 2.579 2.892 3.236 3.637 4.130 4.742 5.457 6.194 57 42 0.685 0.948 1.199 1.436 1.685 1.968 2.221 2.509 2.832 3.173 3.554 4.003 4.544 5.206 6.001 6.891 58 43 0.731 1.016 1.287 1.535 1.805 2.109 2.374 2.680 3.010 3.395 3.831 4.351 4.956 5.687 6.574 7.617 59 44 0.775 1.079 1.366 1.636 1.919 2.243 2.527 2.839 3.175 3.612 4.127 4.719 5.408 6.223 7.188 8.340 60 45 0.820 1.140 1.448 1.742 2.043 2.389 2.684 3.002 3.354 3.847 4.436 5.114 5.900 6.802 7.830 9.064 61
The Life Insurance Company of Virginia Commonwealth VUL Female Preferred Smoker Mortality Assumptions per $1,000
Duration Issue ---------------------------------------------------------------------- Age 1 2 3 4 5 6 7 8 9 ----- ------ ------ ----- ------ ------ ------ ------ ------ ------ 46 0.861 1.199 1.530 1.852 2.186 2.548 2.854 3.193 3.571 47 0.900 1.269 1.626 1.977 2.347 2.730 3.052 3.416 3.844 48 0.937 1.345 1.738 2.115 2.530 2.951 3.298 3.683 4.161 49 0.976 1.426 1.853 2.265 2.727 3.197 3.578 3.994 4.496 50 1.014 1.513 1.973 2.421 2.923 3.441 3.866 4.315 4.817 51 1.076 1.636 2.149 2.639 3.182 3.765 4.237 4.725 5.223 52 1.142 1.769 2.332 2.858 3.438 4.071 4.582 5.085 5.610 53 1.213 1.903 2.512 3.069 3.685 4.342 4.860 5.395 5.991 54 1.293 2.038 2.692 3.281 3.922 4.571 5.103 5.691 6.352 55 1.376 2.188 2.891 3.504 4.145 4.802 5.359 5.975 6.712 56 1.477 2.356 3.110 3.738 4.384 5.063 5.640 6.289 7.077 57 1.601 2.553 3.349 4.004 4.665 5.373 5.977 6.651 7.460 58 1.746 2.777 3.635 4.333 5.015 5.766 6.396 7.089 7.890 59 1.908 3.036 3.974 4.711 5.440 6.239 6.893 7.589 8.403 60 2.089 3.329 4.341 5.126 5.926 6.768 7.438 8.139 8.984 61 2.303 3.634 4.718 5.569 6.436 7.319 8.007 8.727 9.612 62 2.539 3.938 5.091 6.028 6.933 7.867 8.583 9.340 10.267 63 2.797 4.284 5.502 6.487 7.410 8.383 9.129 9.926 10.911 64 3.081 4.691 5.956 6.946 7.883 8.888 9.654 10.495 11.557 65 3.392 5.105 6.419 7.396 8.367 9.407 10.206 11.119 12.278 66 3.718 5.490 6.841 7.833 8.862 9.970 10.841 11.860 13.137 67 4.069 5.809 7.177 8.246 9.379 10.610 11.604 12.770 14.283 68 4.438 6.074 7.443 8.628 9.920 11.347 12.539 13.992 15.711 69 4.827 6.317 7.680 8.986 10.484 12.180 13.721 15.456 17.397 70 5.227 6.526 7.884 9.316 11.058 13.159 15.057 17.111 19.307 71 5.599 6.979 8.419 9.927 11.836 14.074 16.087 18.270 20.602 72 5.988 7.452 8.971 10.628 12.662 15.040 17.181 19.499 21.973 73 6.385 7.931 9.593 11.354 13.513 16.040 18.307 20.764 23.372 74 6.686 8.343 10.080 11.919 14.177 16.818 19.182 21.733 24.448 75 6.907 8.611 10.394 12.284 14.600 17.305 19.718 22.327 25.098 76 7.049 8.778 10.589 12.507 14.852 17.588 20.028 22.660 25.447 77 7.179 8.934 10.772 12.712 15.081 17.847 20.308 22.955 25.760 78 7.457 9.274 11.173 13.172 15.616 18.467 20.993 23.712 26.589 79 7.923 9.847 11.851 13.962 16.540 19.542 22.199 25.055 28.073 80 8.376 10.398 12.506 14.723 17.426 20.573 23.352 26.337 29.734 81 9.053 11.446 13.472 16.194 19.149 22.323 25.687 29.103 31.914 82 9.965 12.329 14.817 17.795 20.778 24.555 28.384 31.236 33.671 83 10.734 13.561 16.283 19.309 22.855 27.133 30.465 32.956 34.227 84 11.806 14.902 17.667 21.239 25.255 29.122 32.143 33.501 34.753 85 12.974 16.170 19.434 23.469 27.107 30.726 32.674 34.015 36.242 Duration Issue ---------------------------------------------------------- Attained Age 10 11 12 13 14 15 Ultimate Age ----- ------ ------ ------ ------ ------- ------- -------- -------- 46 4.094 4.759 5.530 6.419 7.393 8.517 9.860 62 47 4.377 5.092 5.921 6.857 7.903 9.122 10.502 63 48 4.694 5.436 6.292 7.293 8.445 9.762 11.225 64 49 5.033 5.774 6.663 7.750 9.002 10.428 12.014 65 50 5.351 6.128 7.108 8.308 9.709 11.330 13.135 66 51 5.788 6.627 7.683 8.981 10.529 12.325 14.319 67 52 6.237 7.141 8.279 9.693 11.387 13.349 15.525 68 53 6.669 7.657 8.900 10.433 12.253 14.383 16.760 69 54 7.095 8.182 9.550 11.193 13.136 15.425 17.936 70 55 7.530 8.731 10.222 11.987 14.058 16.519 19.125 71 56 7.986 9.303 10.923 12.821 15.040 17.675 20.534 72 57 8.471 9.906 11.662 13.711 16.091 18.920 22.081 73 58 8.992 10.540 12.432 14.642 17.216 20.266 23.653 74 59 9.559 11.207 13.219 15.609 18.410 21.698 25.319 75 60 10.172 11.907 14.043 16.620 19.664 23.207 27.256 76 61 10.825 12.701 15.031 17.893 21.310 25.411 30.036 77 62 11.528 13.552 16.092 19.256 23.188 27.787 33.043 78 63 12.235 14.481 17.330 21.043 25.571 30.869 37.112 79 64 12.957 15.389 18.606 22.716 27.722 33.594 40.642 80 65 13.767 16.555 20.170 24.788 30.459 37.137 45.151 81 66 14.814 17.852 21.782 26.804 32.973 40.262 48.798 82 67 16.098 19.469 23.814 29.351 36.164 44.283 53.715 83 68 17.667 21.331 25.976 31.858 39.090 47.819 57.862 84 69 19.513 23.566 28.606 34.931 42.750 52.331 63.642 85 70 21.588 26.063 31.488 38.257 46.642 57.081 69.936 86 71 23.020 27.966 33.985 41.501 50.812 62.434 75.884 87 72 24.523 30.098 36.899 45.394 55.956 69.161 83.471 88 73 26.068 32.319 39.949 49.504 61.396 75.477 92.236 89 74 27.250 33.988 42.233 52.565 65.437 80.658 98.999 90 75 27.946 35.078 43.811 54.755 68.976 84.785 104.450 91 76 28.314 35.513 44.320 55.815 70.240 86.193 106.175 92 77 28.640 35.895 45.139 56.826 71.324 87.520 107.806 93 78 29.540 37.305 46.894 59.014 73.690 90.468 112.425 94 79 31.427 39.674 49.853 62.706 77.706 96.294 119.823 95 80 33.274 41.990 52.738 66.307 82.293 102.124 127.204 96 81 35.106 42.683 53.548 69.148 87.708 108.415 139.924 97 82 35.686 43.339 55.842 73.698 93.111 119.256 153.916 98 83 36.234 45.196 59.517 78.238 102.422 131.181 169.308 99 84 37.787 48.170 63.183 86.061 112.664 144.300 186.239 100 85 40.273 51.137 69.501 94.667 123.930 158.730 204.863 101
The Life Insurance Company of Virginia Commonwealth VUL Female Standard Smoker Mortality Assumptions per $1,000
Duration Issue ------------------------------------------------------------------------------------------------------------------- Attained Age 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Ultimate Age ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ----- ------ ------ -------- -------- 0 0.930 0.340 0.261 0.204 0.171 0.159 0.141 0.132 0.120 0.112 0.108 0.108 0.115 0.146 0.181 0.233 16 1 0.340 0.250 0.202 0.166 0.155 0.139 0.131 0.119 0.110 0.108 0.108 0.115 0.146 0.181 0.233 0.282 17 2 0.247 0.193 0.165 0.151 0.135 0.129 0.117 0.109 0.106 0.108 0.115 0.146 0.181 0.233 0.282 0.331 18 3 0.192 0.158 0.149 0.132 0.126 0.116 0.108 0.105 0.106 0.115 0.146 0.181 0.233 0.282 0.331 0.372 19 4 0.156 0.143 0.130 0.122 0.112 0.106 0.104 0.105 0.113 0.146 0.181 0.233 0.282 0.331 0.372 0.403 20 5 0.141 0.125 0.121 0.110 0.103 0.103 0.104 0.112 0.144 0.181 0.233 0.282 0.331 0.372 0.403 0.414 21 6 0.124 0.116 0.108 0.101 0.100 0.103 0.111 0.143 0.179 0.233 0.282 0.331 0.372 0.403 0.414 0.358 22 7 0.115 0.104 0.100 0.097 0.100 0.109 0.141 0.177 0.230 0.282 0.331 0.372 0.403 0.414 0.361 0.344 23 8 0.103 0.095 0.096 0.097 0.106 0.139 0.175 0.227 0.278 0.331 0.372 0.403 0.414 0.364 0.347 0.333 24 9 0.095 0.092 0.096 0.104 0.135 0.172 0.224 0.275 0.326 0.372 0.403 0.414 0.367 0.349 0.335 0.326 25 10 0.091 0.092 0.103 0.132 0.167 0.221 0.271 0.322 0.368 0.403 0.414 0.369 0.352 0.338 0.328 0.315 26 11 0.091 0.098 0.130 0.163 0.215 0.268 0.318 0.363 0.398 0.414 0.372 0.355 0.341 0.331 0.318 0.308 27 12 0.098 0.125 0.161 0.210 0.260 0.314 0.359 0.393 0.409 0.375 0.357 0.343 0.333 0.320 0.311 0.295 28 13 0.124 0.155 0.208 0.254 0.305 0.354 0.388 0.404 0.370 0.360 0.345 0.336 0.322 0.313 0.298 0.304 29 14 0.153 0.199 0.251 0.298 0.343 0.383 0.399 0.364 0.355 0.349 0.338 0.326 0.315 0.300 0.306 0.309 30 15 0.236 0.296 0.356 0.401 0.444 0.481 0.684 0.673 0.669 0.664 0.659 0.654 0.638 0.673 0.703 0.743 31 16 0.286 0.344 0.383 0.412 0.444 0.667 0.668 0.664 0.659 0.661 0.649 0.640 0.675 0.706 0.745 0.785 32 17 0.336 0.373 0.401 0.419 0.636 0.654 0.655 0.656 0.656 0.657 0.646 0.681 0.711 0.749 0.788 0.807 33 18 0.352 0.379 0.420 0.747 0.800 0.808 0.810 0.821 0.833 0.846 0.830 0.872 0.915 0.957 0.979 0.992 34 19 0.343 0.374 0.702 0.725 0.761 0.767 0.776 0.786 0.806 0.836 0.829 0.889 0.940 0.986 1.014 1.039 35 20 0.326 0.611 0.680 0.695 0.722 0.716 0.741 0.751 0.788 0.836 0.839 0.906 0.954 1.015 1.063 1.100 36 21 0.501 0.603 0.678 0.689 0.711 0.707 0.747 0.781 0.837 0.904 0.925 0.978 1.034 1.093 1.163 1.211 37 22 0.486 0.590 0.673 0.685 0.707 0.721 0.754 0.791 0.860 0.941 0.978 1.028 1.100 1.182 1.275 1.353 38 23 0.484 0.583 0.675 0.687 0.719 0.744 0.782 0.831 0.903 0.997 1.047 1.100 1.192 1.294 1.388 1.496 39 24 0.472 0.573 0.667 0.698 0.741. 0.780 0.820 0.882 0.966 1.073 1.151 1.209 1.330 1.457 1.572 1.701 40 25 0.467 0.561 0.667 0.709 0.775 0.827 0.880 0.955 1.052 1.173 1.269 1.367 1.515 1.667 1.794 1.941 41 26 0.453 0.548 0.655 0.709 0.796 0.869 0.932 1.018 1.126 1.270 1.386 1.523 1.677 1.853 2.011 2.158 42 27 0.463 0.554 0.665 0.740 0.841 0.935 1.021 1.120 1.252 1.425 1.559 1.711 1.888 2.083 2.256 2.394 43 28 0.484 0.578 0.693 0.779 0.891 1.009 1.106 1.238 1.397 1.598 1.738 1.906 2.097 2.315 2.494 2.661 44 29 0.514 0.612 0.731 0.828 0.962 1.093 1.223 1.381 1.568 1.808 1.964 2.136 2.339 2.555 2.756 2.958 45 30 0.554 0.666 0.798 0.896 1.042 1.208 1.353 1.549 1.775 2.043 2.215 2.401 2.601 2.830 3.050 3.290 46 31 0.587 0.716 0.850 0.967 1.124 1.315 1.495 1.703 1.976 2.271 2.459 2.656 2.876 3.130 3.370 3.631 47 32 0.606 0.744 0.896 1.018 1.196 1.408 1.618 1.857 2.149 2.474 2.670 2.893 3.133 3.402 3.657 3.953 48 33 0.607 0.759 0.926 1.075 1.282 1.515 1.753 2.010 2.320 2.670 2.900 3.154 3.442 3.751 4.060 4.410 49 34 0.598 0.770 0.962 1.136 1.370 1.633 1.887 2.172 2.495 2.861 3.136 3.429 3.768 4.142 4.506 4.950 50 35 0.606 0.803 1.022 1.232 1.487 1.782 2.058 2.370 2.726 3.114 3.413 3.730 4.113 4.532 4.939 5.450 51 36 0.615 0.842 1.098 1.334 1.629 1.947 2.260 2.594 2.971 3.386 3.699 4.051 4.482 4.954 5.412 5.928 52 37 0.644 0.896 1.190 1.459 1.785 2.133 2.467 2.841 3.243 3.676 4.016 4.398 4.863 5.388 5.890 6.367 53 38 0.701 0.992 1.337 1.639 1.998 2.379 2.748 3.165 3.592 4.075 4.419 4.821 5.305 5.852 6.394 6.847 54 39 0.774 1.120 1.504 1.834 2.225 2.656 3.058 3.500 3.987 4.507 4.878 5.310 5.823 6.418 7.048 7.539 55 40 0.847 1.236 1.656 2.022 2.436 2.887 3.315 3.796 4.320 4.897 5.280 5.713 6.245 6.881 7.598 8.177 56 41 0.917 1.345 1.822 2.213 2.655 3.127 3.573 4.090 4.668 5.296 5.711 6.189 6.774 7.499 8.321 9.108 57 42 1.003 1.489 2.013 2.441 2.920 3.436 3.926 4.487 5.126 5.812 6.273 6.811 7.454 8.233 9.151 10.133 58 43 1.070 1.595 2.160 2.609 3.128 3.681 4.196 4.795 5.447 6.217 6.763 7.403 8.129 8.995 10.025 11.201 59 44 1.134 1.694 2.294 2.782 3.326 3.917 4.466 5.079 5.747 6.616 7.286 8.029 8.871 9.842 10.962 12.264 60 45 1.201 1.790 2.431 2.962 3.540 4.170 4.743 5.370 6.070 7.046 7.831 8.702 9.679 10.757 11.941 13.329 61
The Life Insurance Company of Virginia Commonwealth VUL Female Standard Smoker Mortality Assumptions per $1,000
Duration Issue ---------------------------------------------------------------------- Age 1 2 3 4 5 6 7 8 9 ----- ------ ------ ----- ------ ------ ------ ------ ------ ------ 46 1.261 1.883 2.569 3.149 3.789 4.447 5.044 5.711 6.463 47 1.318 1.993 2.730 3.362 4.068 4.765 5.393 6.109 6.957 48 1.372 2.111 2.917 3.596 4.385 5.153 5.828 6.588 7.533 49 1.429 2.240 3.111 3.851 4.725 5.580 6.322 7.143 8.137 50 1.484 2.377 3.313 4.116 5.066 6.007 6.832 7.718 8.719 51 1.575 2.569 3.608 4.487 5.514 6.573 7.487 8.451 9.454 52 1.671 2.777 3.915 4.859 5.957 7.107 8.098 9.095 10.154 53 1.775 2.988 4.216 5.218 6.387 7.580 8.589 9.651 10.844 54 1.893 3.201 4.520 5.579 6.797 7.981 9.018 10.179 11.497 55 2.015 3.435 4.853 5.959 7.183 8.384 9.470 10.688 12.149 56 2.163 3.699 5.221 6.356 7.597 8.839 9.968 11.247 12.810 57 2.343 4.008 5.623 6.809 8.084 9.380 10.564 11.897 13.502 58 2.555 4.362 6.103 7.367 8.690 10.065 11.303 12.680 14.281 59 2.794 4.767 6.671 8.011 9.428 10.891 12.182 13.573 15.210 60 3.058 5.227 7.287 8.715 10.270 11.816 13.145 14.558 16.261 61 3.371 5.706 7.922 9.468 11.154 12.776 14.151 15.609 17.398 62 3.717 6.183 8.547 10.249 12.014 13.734 15.168 16.706 18.584 63 4.094 6.728 9.237 11.030 12.842 14.635 16.132 17.755 19.750 64 4.510 7.366 10.000 11.809 13.662 15.516 17.060 18.773 20.918 65 4.965 8.016 10.776 12.575 14.500 16.422 18.035 19.887 22.224 66 5.443 8.621 11.485 13.318 15.358 17.406 19.159 21.213 23.779 67 5.956 9.122 12.049 14.019 16.255 18.522 20.506 22.841 25.853 68 6.497 9.538 12.496 14.670 17.191 19.810 22.159 25.027 28.438 69 7.066 9.919 12.895 15.278 18.169 21.263 24.248 27.644 31.489 70 7.652 10.247 13.237 15.840 19.163 22.973 26.609 30.606 34.947 71 8.196 10.959 14.134 16.879 20.511 24.570 28.430 32.679 37.291 72 8.766 11.702 15.061 18.071 21.943 26.257 30.363 34.876 39.772 73 9.347 12.454 16.105 19.305 23.417 28.002 32.353 37.138 42.305 74 9.788 13.101 16.924 20.266 24.569 29.360 33.899 38.872 44.251 75 10.112 13.521 17.451 20.886 25.301 30.210 34.846 39.935 45.429 76 10.318 13.783 17.779 21.264 25.739 30.704 35.393 40.530 46.060 77 10.509 14.029 18.085 21.614 26.135 31.157 35.888 41.059 46.626 78 10.916 14.562 18.758 22.395 27.061 32.239 37.099 42.412 48.127 79 11.599 15.462 19.896 23.739 28.664 34.116 39.231 44.814 50.814 80 12.261 16.328 20.996 25.034 30.199 35.915 41.267 47.106 53.821 81 13.252 17.972 22.618 27.534 33.186 39.073 45.522 52.190 57.867 82 14.587 19.360 24.877 30.258 36.103 43.100 50.435 56.115 61.129 83 15.713 21.294 27.337 32.917 39.825 47.753 54.227 59.278 62.161 84 17.282 23.400 29.740 36.311 44.124 51.343 57.283 60.279 63.137 85 18.992 25.457 32.806 40.231 47.441 54.237 58.251 61.225 65.901 Duration Issue ------------------------------------------------------------ Attained Age 10 11 12 13 14 15 Ultimate Age ----- ------ ------ ------- ------- ------- ------- -------- -------- 46 7.497 8.401 9.409 10.530 11.693 12.988 14.499 62 47 8.017 8.988 10.074 11.248 12.499 13.911 15.442 63 48 8.598 9.596 10.706 11.962 13.355 14.887 16.505 64 49 9.218 10.193 11.337 12.713 14.236 15.902 17.665 65 50 9.801 10.816 12.094 13.628 15.354 17.279 19.314 66 51 10.600 11.697 13.072 14.731 16.652 18.795 21.055 67 52 11.423 12.605 14.086 15.899 18.009 20.357 22.828 68 53 12.213 13.517 15.143 17.114 19.378 21.933 24.644 69 54 12.995 14.442 16.250 18.361 20.775 23.522 26.374 70 55 13.791 15.411 17.393 19.662 22.234 25.190 28.121 71 56 14.626 16.421 18.585 21.031 23.786 26.952 30.194 72 57 15.514 17.486 19.844 22.491 25.449 28.852 32.469 73 58 16.468 18.605 21.153 24.017 27.228 30.904 34.780 74 59 17.507 19.782 22.492 25.604 29.117 33.088 37.230 75 60 18.630 21.018 23.894 27.261 31.098 35.389 40.078 76 61 19.826 22.419 25.575 29.351 33.703 38.751 44.166 77 62 21.114 23.922 27.381 31.587 36.672 42.373 48.587 78 63 22.408 25.562 29.487 34.517 40.441 47.073 54.571 79 64 23.730 27.164 31.659 37.262 43.842 51.228 59.762 80 65 25.215 29.222 34.319 40.661 48.173 56.631 66.392 81 66 27.131 31.511 37.061 43.968 52.148 61.397 71.754 82 67 29.483 34.366 40.518 48.145 57.194 67.528 78.984 83 68 32.357 37.652 44.199 52.258 61.820 72.921 85.082 84 69 35.738 41.598 48.673 57.299 67.610 79.801 93.581 85 70 39.537 46.006 53.576 62.754 73.765 87.045 102.837 86 71 42.160 49.365 57.826 68.074 80.361 95.207 111.877 87 72 44.913 53.128 62.785 74.461 88.496 105.202 123.410 88 73 47.743 57.048 67.973 81.203 97.100 115.000 136.731 89 74 49.907 59.993 71.858 86.224 103.424 123.168 147.011 90 75 51.181 61.918 74.545 89.816 108.461 129.673 155.297 91 76 51.857 62.686 75.410 91.555 110.324 131.891 157.919 92 77 52.453 63.360 76.803 93.213 112.096 133.984 160.398 93 78 54.101 65.849 79.791 96.802 115.965 138.631 167.419 94 79 57.557 70.030 84.825 102.857 122.530 147.814 178.664 95 80 60.941 74.120 89.733 108.173 130.029 157.005 189.882 96 81 64.376 75.371 91.141 112.908 138.763 166.863 208.871 97 82 65.463 76.555 95.131 120.491 147.476 183.550 229.758 98 83 66.491 79.905 101.521 128.057 162.224 201.904 252.733 99 84 69.400 85.272 107.895 140.863 178.446 222.095 278.007 100 85 74.062 90.626 118.684 154.949 196.291 244.305 305.808 101
[LOGO](R) Transamerica reinsurance Reinsurance Amendment For LIFE [LOGO] OF VIRGINIA Automatic Reinsurance Agreement (No. 3935-3) Amendment No. 12 This Amendment, effective October 1, 1997, made by and between The Life Insurance Company of Virginia, (Reinsured referred to as you, your), and Transamerica Occidental Life Insurance Company, (Reinsurer referred to as we, us, our), is attached to and becomes a part of the Automatic Reinsurance Agreement (No. 3935-3), dated March 1, 1988. 1. Schedule A is replaced by the attached Schedule A. This Amendment does not alter, amend or modify the Reinsurance Agreement other than as set forth in this Amendment, and it is subject otherwise to all the terms and conditions of the Reinsurance Agreement together with all amendments and supplements thereto. Executed in duplicate by Executed in duplicate by The Life Insurance Transamerica Occidental Company of Virginia Life Insurance Company at Richmond, Virginia, at Charlotte, North Carolina, on Feb 26, 1998. on January 30, 1998. By: /s/ Illegible By: /s/ Illegible --------------------------------- ------------------------------------- Title VP Second Vice President By: /s/ Illegible By: /s/ Illegible --------------------------------- ------------------------------------- Title VP + Actuary Vice President SK 39353A12 THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE A SPECIFICATIONS Effective October 1, 1997 1. TYPE OF BUSINESS: Life insurance, disability waiver of monthly deduction and accidental death benefit issued by you. 2. PLANS OF INSURANCE: A. LVPlus2 (UL) B. X-881 (EIWL) C. X-871 (EIWL) (Eff. 3-1-88) D. Commonwealth 3 E. Additional Insured Rider F. XPlus (Eff. 7-1-89) G. XPlus2 (Eff. 11-1-90) H. Dominion Life (EIWL) (Eff. 2-1-93) I. Dominion Life 65 (EIWL) (Eff. 9-1-93) J. Dominion Life 881 (Eff. 2-1-94) K. Accelerated Death Benefit Rider (Eff. 2-1-94) L. LVPlus III (UL) (Eff. 3-1-94) M. Primary Insured Term Rider to Dominion Life Series (Eff. 6-1-94) N. Additional Insured Term Rider to Dominion Life Series (Eff. 6-1-94) O. Future Security (UL) (Eff. 12-1-94) 3. BASIS OF REINSURANCE: Pool - Our share is 20% for ages through 75 for all plans and 20% for ages 76 through 80 for the LVPlus 2, X-881, LVPlus 3 and DL881 plans. 4. JUMBO LIMIT: A. Life $30,000,000 - Ages 0-70, Standard-Table 16 $30,000,000 - Ages 71-75, Standard-Table 8 $ 3,000,000 - Ages 76-80, Standard-Table 8 B. Disability Waiver of Premium $ 7.500,000 C. Accidental Death (Including Ages Amount Common Carrier) ----- -------- 0-4 -0- 5-15 $ 50,000 16-65 300,000 SCHEDULE A CONTINUES . . . 5. POOL BINDING LIMIT: A. Life $20,000,000 - Ages 0-70, Standard-Table 16 $20,000,000 - Ages 71-75, Standard-Table 8 $ 2,000,000 - Ages 76-80, Standard-Table 8 B. Disability Waiver of Premium $ 7,500,000 C. Accidental Death $ 100,000 6. MINIMUM AMOUNTS: Not applicable 7. YEARS TO RECAPTURE: Ten, except fifteen for Dominion Life. T r a n s a m e r i c a R e i n s u r a n c e Reinsurance Amendment For The Life Insurance Company of Virginia Automatic Reinsurance Agreement (No. 3935-3) [LOGO](R) Transamerica life companies Amendment No.11 This Amendment, effective December 1, 1994, made by and between The Life Insurance Company of Virginia, (Reinsured referred to as you, your), and Transamerica Occidental Life Insurance Company, (Reinsurer referred to as we, us, our), is attached to and becomes part of the Automatic Reinsurance Agreement (No. 3935-3), dated March 1, 1988. 1. Schedule A is replaced by the attached Schedule A. 2. Exhibit III, excluding the rates, is replaced by the attached Exhibit III, excluding the rates. This Amendment does not alter, amend or modify the Reinsurance Agreement other than as set forth in this Amendment, and it is subject otherwise to all the terms and conditions of the Reinsurance Agreement together with all amendments and supplements thereto. Executed in duplicate by Executed in duplicate by The Life Insurance Transamerica Occidental Company of Virginia Life Insurance Company at Richmond, Virginia, at Charlotte, North Carolina, on June 23, 1995 on April 13, 1995 By: /s/ Illegible By: /s/ John V. Dohmer ------------------------------------ ----------------------------------- Title 2nd VP Vice President By: /s/ Illegible By: /s/ Illegible ------------------------------------ ----------------------------------- Title Vice President & Actuary Second Vice President 39353A11 SS THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE A SPECIFICATIONS Effective December 1, 1994 1. TYPE OF BUSINESS: Life insurance and disability waiver of monthly deduction and accidental death benefit issued by you. 2. PLANS OF INSURANCE: A. LVP1us2 (UL) B. X-881 (EIWL) C. X-871 (EIWL) (Eff. 3-1-88) D. Commonwealth 3 E. Additional Insured Rider F. XPlus (Eff. 7-1-89) G. XPlus2 (Eff. 11-1-90) H. Dominion Life (EIWL) (Eff. 2-1-93) I. Dominion Life 65 (EIWL) (Eff. 9-1-93) J. Dominion Life 881 (Eff. 2-1-94) K. Accelerated Death Benefit Rider (Eff. 2-1-94) L. LVP1us III (UL) (Eff. 3-1-94) M. Primary Insured Term Rider to Dominion Life Series (Eff. 6-1-94) N. Additional Insured Term Rider to Dominion Life Series (Eff. 6-1-94) O. Future Security (UL)(Eff. 12-1-94) 3. BASIS OF REINSURANCE: Pool - Our share is 20% for ages through 75 for all plans and 20% for ages 76 through 80 for the LVP1us 2, X-881, LVPlus 3 and DL881 plans. 4. JUMBO LIMIT: A. Life $20,000,000 B. Disability Waiver of Premium $ 5,000,000 C. Accidental Death (Including Ages Amount Common Carrier) ----- ------- 0-4 -0- 5-15 $ 50,000 16-65 300,000 SCHEDULE A CONTINUES . . . 5. OUR BINDING LIMIT: A. Life $2,000,000 through age 75 $ 250,000 Ages 76 - 80 B. Disability Waiver of Premium Same as Life C. Accidental Death $100,000 6. MINIMUM AMOUNTS: Not applicable 7. YEARS TO RECAPTURE: Ten, except fifteen for Dominion Life. Disk K THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT III INSTRUCTIONS FOR THE USE OF THE YEARLY RENEWABLE TERM PREMIUMS PER $1,000 OF REINSURANCE Effective December 1, 1994 1. Reinsurance premiums under this Agreement will be payable on the annual basis regardless of how you receive premiums from your insured for all plans except for the LVPLus 2, Commonwealth 3 and LVPlus III plans, which will be payable on the monthly basis. 2. STANDARD AND SUBSTANDARD TABLE EXTRA PREMIUMS A. The reinsurance premium rates for the first $2,000,000 on any one life, except for the Dominion 881 and Accelerated Death Benefit rider, LVPlusIII and Future Security plans, will be your company's appropriate rates set forth to this Exhibit times the following multiples for all years: (1) LVP1us2 (UL), X-881 (EIWL), X-871 (EIWL) and XPlus Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.29 1.34 1.16 1.23 (2) Commonwealth 3 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.36 1.41 1.22 1.29 (3) Additional Insured Rider Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.60 1.46 1.28 1.21 (4) XPlus2 Preferred* Preferred* Non-Smoker Non-Smoker Smoker Smoker ---------- ---------- ---------- ------ 1.22 1.27 1.10 1.17 EXHIBIT III CONTINUES . . . (5) Dominion Life and Dominion Life 65 Issue Preferred* Preferred* Ages Non-Smoker Non-Smoker Smoker Smoker ----- ---------- ---------- ---------- ------ 0-40 1.40 1.16 1.40 1.06 41-60 1.20 1.16 1.20 1.06 61+ 1.20 1.16 1.20 1.06 * In addition to existing preferred risk underwriting requirements, the following stipulations must be met for the preferred rates to apply: (1) No tobacco use (2) Standard with no more than 15 debits. (3) No risk factoring (4) No credits. (5) No diabetes. B. The reinsurance premiums for the Dominion 881 plan and Accelerated Death Benefit Rider will be the attached Expected Mortality Assumptions times the following multiples: Ages PNS PSM SNS SSM ---- --- --- --- --- 0-40 140% 140% 116% 106% 41+ 120% 120% 116% 106% The substandard reinsurance rates for the Dominion 881 plan will be an additional 15% per table rating of appropriate rate times the multiples stated above. C. The reinsurance premiums for the LVPlusIII plan, which will be 1/12 of the rates, and the Future Security plan will be the attached Expected Mortality Assumptions times the following multiples: Ages PNS PSM SNS SSM ----- --- --- --- --- 0-40 140% 140% 116% 106% 41-60 120% 120% 116% 106% 60+ 120% 120% 116% 106% (1) The substandard reinsurance rates for the LVPlusIII plan will be an additional 20% per table rating of the appropriate rates times the multiples stated above. (2) The substandard reinsurance rates for the Future Security plan will be 25% of the base plan rates for face amounts less than $100,000, and 20% per table of the base plan rates for face amounts of $100,000 or higher. D. Primary Insured Term Rider and Additional Insured Term Rider to Dominion Life Series - Use same rates as base plan to which it is attached. EXHIBIT III CONTINUES . . . The substandard reinsurance rates for all other plans will be an additional 25% per table rating of the appropriate rates times the multiples stated above. We reserve the right to renegotiate the above multiples if you change the rates set forth in this Exhibit. E. For reinsurance of plans listed in Section 2.A. of this Exhibit in excess of $2,000,000 on any one life, the Vanguard 134 and 136 ANB rates, excluding the policy fee, set forth in this Exhibit will be used. (1) The rates are applicable to males and also to females with an age adjustment factor. For females attained ages 0-10, use male rates for the same ages. For females ages 11-14, use male rate age 10. For females ages 15 and over, use male rates for an age of 4 years younger. (2) The "Substandard" reinsurance premiums set forth in this Exhibit shall be applied for the purpose of computing the substandard table extra premiums. Substandard table extra premiums shall be dropped at the later of age 65 and 20 years in force. The substandard extras in this Exhibit are for Table 1. For rating higher than Table 1, multiply above rate by the appropriate table. 3. FLAT EXTRA PREMIUM The flat extra premium will be the annual flat extra premium which you charge your insured on that amount of the insurance reinsured less the following allowances. Terms of Your First Renewal Flat Extra Premium Year Years ------------------ ----- ------- More than 4 years 85% 15% 4 years or less 15% 15% 4. RENEWAL AND CONVERSION OF INSURANCE The renewal and conversion of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. The Vanguard rates set forth in this Exhibit will be used, including the policy fee. Any conversions to a plan of insurance reinsured under this Agreement will be on a point-in-scale basis. 5. PREMIUM TAX We will not reimburse you for any premium taxes. [LOGO](R) Transamerica reinsurance Reinsurance Amendment For The Life Insurance Company of Virginia Automatic Reinsurance Agreement (No. 3935-3) Amendment No. 14 This Amendment, effective February 1, 1998, made by and between The Life Insurance Company of Virginia, (Reinsured referred to as you, your), and Transamerica Occidental Life Insurance Company, (Reinsurer referred to as we, us, our), is attached to and becomes a part of the Automatic Reinsurance Agreement (No. 3935-3), dated March 1, 1988. 1. Schedule A is replaced by the attached Schedule A. 2. Exhibit III, excluding the rates, is replaced by the attached Exhibit III, excluding any rates. This Amendment does not alter, amend or modify the Reinsurance Agreement other than as set forth in this Amendment, and it is subject otherwise to all the terms and conditions of the Reinsurance Agreement together with all amendments and supplements thereto. Executed in duplicate by Executed in duplicate by The Life Insurance Transamerica Occidental Company of Virginia Life Insurance Company at Richmond, Virginia, at Charlotte, North Carolina, on april 22 , 1998. on March 25, 1998. By: Illegible By: Illegible ----------------------------------- ----------------------------------- Title: VP Second Vice President By: Illegible By: Illegible ----------------------------------- ----------------------------------- Title: VP + Actuary Vice President TUE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 SCHEDULE A SPECIFICATIONS Effective February 1, 1998 1. TYPE OF BUSINESS: Life insurance, disability waiver of monthly deduction and accidental death benefit issued by you. 2. PLANS OF INSURANCE: A. LVPlus2 (UL) B. X-881 (EIWL) C. X-871 (EIWL) (Eff. 3-1-88) D. Commonwealth 3 E. Additional Insured Rider F. XPlus (Eff. 7-1-89) G. XPlus2 (Eff. 11-1-90) H. Dominion Life (EIWL) (Eff. 2-1-93) I. Dominion Life 65 (EIWL) (Eff. 9-1-93) J. Dominion Life 881 (Eff. 2-1-94) K. Accelerated Death Benefit Rider (Eff. 2-1-94) L. LVPlus III (UL) (Eff. 3-1-94) M. Primary Insured Term Rider to Dominion Life Series (Eff. 6-1-94) N. Additional Insured Term Rider to Dominion Life Series (Eff. 6-1-94) O. Future Security (UL) (Eff. 12-1-94) P. Commonwealth IV (Eff. 12-1-97) Q. Career VUL (Eff. 2-1-98) 3. BASIS OF REINSURANCE: Excess Pool - Our share of the amount ceded to the pool is: 20% for all plans, except Commonwealth IV and Career VUL, through age 75, 20% for the LVPlus 2, X-881, DL881 and LVPlus 3 plans, ages 76 through 80 and 15% for Commonwealth IV and Career VUL through age 85. 4. JUMBO LIMIT: A. Life $30,000,000 - Ages 0-70, Standard-Table 16 $30,000,000 - Ages 71-75, Standard-Table 8 $ 3,000,000 - Ages 76-85, Standard-Table 8 B. Disability Waiver of Premium $ 7,500,000 C. Accidental Death (Including Ages Amount Common Carrier) ----- -------- 0-4 -0- 5-15 $ 50,000 16-65 300,000
SCHEDULE A CONTINUES . . . 5. POOL BINDING LIMIT: A. life $20,000,000- Ages 0-70, Standard-Table 16 $20,000,000 - Ages 71-75, Standard-Table 8 $ 2,000,000 - Ages 76-85, Standard-Table 8 B. Disability Waiver of Premium $ 7,500,000 C. Accidental Death $ 100,000
6. MINIMUM AMOUNTS: Not applicable 7. YEARS TO RECAPTURE: Dominion Life Fifteen Commonwealth IV & Career VUL Not available All other plans Ten THE LIFE INSURANCE COMPANY OF VIRGINIA (3935-3) Effective March 1, 1988 EXHIBIT III INSTRUCTIONS FOR THE USE OF THE YEARLY RENEWABLE TERM PREMIUMS PER $1,000 OF REINSURANCE Effective February 1, 1998 1. Reinsurance premiums under this Agreement will be payable on the annual basis regardless of how you receive premiums from your insured for all plans except LVPLus 2, LVPlus III, Commonwealth 3, Commonwealth IV and Career VUL, which will be payable on the monthly basis. 2. STANDARD AND SUBSTANDARD TABLE EXTRA PREMIUMS A. The reinsurance premium rates for the first $2,000,000 on any one life, except for the Dominion 881 and Accelerated Death Benefit rider, LVPlusIII and Future Security plans, will be your company's appropriate rates set forth to this Exhibit times the following multiples for all years: (1) LVPlus2 (UL)*, X-881 (EIWL), X-871 (EIWL) and XPlus Preferred** Preferred** Non-Smoker Non-Smoker Smoker Smoker ----------- ---------- ----------- ------ 1.29 1.34 1.16 1.23 (2) Commonwealth 3* Preferred** Preferred** Non-Smoker Non-Smoker Smoker Smoker ----------- ---------- ----------- ------ 1.36 1.41 1.22 1.29 (3) Additional Insured Rider Preferred** Preferred** Non-Smoker Non-Smoker Smoker Smoker ----------- ---------- ----------- ------ 1.60 1.46 1.28 1.21 (4) XPlus2 Preferred** Preferred** Non-Smoker Non-Smoker Smoker Smoker ----------- ---------- ----------- ------ 1.22 1.27 1.10 1.17 EXHIBIT III CONTINUES . . . (5) Dominion Life and Dominion Life 65 Issue Preferred** Preferred** Ages Non-Smoker Non-Smoker Smoker Smoker ----- ----------- ---------- ----------- ------ 0-40 1.40 1.16 1.40 1.06 41-60 1.20 1.16 1.20 1.06 61+ 1.20 1.16 1.20 1.06 * Monthly rates will be 1/12th of the appropriate annual rates ** In addition to existing preferred risk underwriting requirements, the following stipulations must be met for the preferred rates to apply: (1) No tobacco use (2) Standard with no more than 15 debits. (3) No risk factoring (4) No credits. (5) No diabetes. B. The reinsurance premiums for the Dominion 881 plan and Accelerated Death Benefit Rider will be the attached Expected Mortality Assumptions times the following multiples: Ages PNS PSM SNS SSM ---- --- --- --- --- 0-40 140% 140% 116% 106% 41+ 120% 120% 116% 106% The substandard reinsurance rates for the Dominion 881 plan will be an additional 15% per table rating of appropriate rate times the multiples stated above. C. The reinsurance premiums for the LVPlusIII plan, which will be 1/12 of the rates, and the Future Security plan will be the attached Expected Mortality Assumptions times the following multiples: Ages PNS PSM SNS SSM ----- --- --- --- --- 0-40 140% 140% 116% 106% 41-60 120% 120% 116% 106% 60+ 120% 120% 116% 106% (1) The substandard reinsurance rates for the LVPlusIII plan will be an additional 20% per table rating of the appropriate rates times the multiples stated above. (2) The substandard reinsurance rates for the Future Security plan will be 25% of the base plan rates for face amounts less than $100,000, and 20% per table of the base plan rates for face amounts of $100,000 or higher. D. The reinsurance premiums for the Commonwealth IV and Career VUL plans will be 1/12th of the attached Commonwealth VUL Mortality Assumptions, times the following multiples: Ages PNS PSM SNS SSM ----- ------ ------ ------ ------ 0-40 118.75% 118.75% 118.75% 118.75% 41-60 102.6% 99.75% 104.5% 99.75% 61+ 104.5% 109.25% 102.6% 109.25% EXHIBIT III CONTINUES . . . E. Primary Insured Term Rider and Additional Insured Term Rider to Dominion Life Series - Use same rates as base plan to which it is attached. The substandard reinsurance rates for all other plans will be an additional 25% per table rating of the appropriate rates times the multiples stated above. We reserve the right to renegotiate the above multiples if you change the rates set forth in this Exhibit. F. For reinsurance of plans listed in Section 2.A. of this Exhibit in excess of $2,000,000 on any one life, the Vanguard 134 and 136 ANB rates, excluding the policy fee, set forth in this Exhibit will be used. (1) The rates are applicable to males and also to females with an age adjustment factor. For females attained ages 0-10, use male rates for the same ages. For females ages 11-14, use male rate age 10. For females ages 15 and over, use male rates for an age of 4 years younger. (2) The "Substandard" reinsurance premiums set forth in this Exhibit shall be applied for the purpose of computing the substandard table extra premiums. Substandard table extra premiums shall be dropped at the later of age 65 and 20 years in force. The substandard extras in this Exhibit are for Table 1. For rating higher than Table 1, multiply above rate by the appropriate table. 3. FLAT EXTRA PREMIUM The flat extra premium will be the annual flat extra premium which you charge your insured on that amount of the insurance reinsured less the following allowances. Terms of Your First Renewal Flat Extra Premium Year Years ------------------ ----- ------- More than 4 years 85% 15% 4 years or less 15% 15% 4. RENEWAL AND CONVERSION OF INSURANCE The renewal and conversion of insurance shall be considered as a continuation of the original insurance for the purpose of calculating future reinsurance premiums. The Vanguard rates set forth in this Exhibit will be used, including the policy fee. Any conversions to a plan of insurance reinsured under this Agreement will be on a point-in-scale basis. 5. PREMIUM TAX We will not reimburse you for any premium taxes. Swiss Re Life & Health [LOGO] This Automatic Self Administered YRT Reinsurance Agreement Effective November 1, 2000 is made between GE Life and Annuity Assurance Company of Richmond, Virginia (hereinafter referred to as "the Company") and Swiss Re Life & Health America Inc. of Stamford, Connecticut (hereinafter referred to as "the Reinsurer") The following Articles, qualified by the Exhibits of the Agreement, will form the basis of the Agreement. This Agreement will be referred to as Agreement No. 6948-1 2 Table of Contents Article 1 1.1 Scope of Coverage 1.2 Forms, Manuals, Issue Rules Article 2 2.1 Automatic Coverage 2.2 Facultative Coverage Article 3 3.1 Automatic Submissions 3.2 Facultative Submissions Article 4 4.1 Premium Accounting 4.2 Non-Payment of Premiums Article 5 5.1 Right of Offset Article 6 6.1 Conversions 6.2 Policy Changes 6.3 Reductions 6.4 Lapses 6.5 Reinstatements 6.6 Minimum Reinsurance Limit Article 7 7.1 Retention Limit Changes 7.2 Recapture Article 8 8.1 Liability 8.2 Commencement of Automatic Reinsurance Liability 8.3 Commencement of Facultative Reinsurance Liability 8.4 Conditional or Interim Receipt Liability 3 Article 9 9.1 Claims Notice 9.2 Claims Payment 9.3 Contested Claims 9.4 Claims Expenses 9.5 Extra Contractual Obligations 9.6 Misstatement of Age or Sex Article 10 10.1 Oversights 10.2 Arbitration Article 11 11.1 Insolvency Article 12 12.1 DAC Tax 12.2 Taxes and Expenses Article 13 13.1 Entire Agreement 13.2 Parties to Agreement 13.3 Inspection of Records 13.4 Good Faith 13.5 Confidentiality Article 14 14.1 Duration of Agreement 14.2 Severability 14.3 Construction Exhibits A-1 Business Covered A-2 Required Forms, Manuals & Issue Rules - Conditional Receipt Amount B Application for Reinsurance C General Terms - Reinsurance Rates and Allowances D The Company's Retention Limits E The Automatic Acceptance Limits F Reinsurance Reports G DAC Tax Election 4 Article 1 1.1 Scope of Coverage This Agreement applies to all insurance policies and supplementary benefits and riders attached thereto (hereinafter referred to as "policies"}, as listed in Exhibit A-1, which have been issued directly by the Company in accordance with its underwriting rules, premium rates and policy forms as provided to the Reinsurer. The Company will cede, and the Reinsurer will accept risk on the above referenced policies in accordance with the terms and conditions of this Agreement. The policies accepted by the Reinsurer will be hereinafter referred to as "Reinsured Policies". The Company may not reinsure the amount it has retained on the business covered hereunder on any basis whatsoever without the Reinsurer's written consent. This Agreement does not cover the following on an automatic basis unless specified elsewhere in this Agreement: 1.1.1 Noncontractual conversions, rollovers, or exchanges; or 1.1.2 Any business issued under a program where full current evidence of insurability consistent with the amount of insurance is not obtained, or where conventional selection criteria are not applied in underwriting the risk; or 1.1.3 Any conversion of a previously issued policy that had been reinsured with another reinsurer. Each policy covered under this Agreement must provide for the maximum normal periods of suicide and contestability protection permitted in the state in which the policy is executed. 1.2 Forms, Manuals, Issue Rules The Company affirms that its retention schedule, underwriting rules, issue rules, premium rates and policy forms applicable to the Reinsured Policies and in use as of the effective date of this Agreement have been supplied to the Reinsurer as listed in Exhibit A-2; that it has fully disclosed all material facts regarding the business reinsured hereunder. The Company will notify the Reinsurer of any proposed material changes in its retention schedule and/or underwriting and issue rules and/or premium rates and/or policy forms. This Agreement will not extend to policies issued pursuant to such changes unless the Reinsurer has consented in writing to accept policies subject to such changes. It is the Company's responsibility to ensure that the applicable forms are in compliance with current Medical Information Bureau (M.I.B.) regulations. 5 Article 2 2.1 Automatic Coverage For automatic reinsurance coverage of any policy covered under this Agreement, the Company will retain the amount stipulated in Exhibit D according to the age and mortality rating at the time of underwriting. The Company will automatically cede the amount of reinsurance to the Reinsurer according to the Automatic Acceptance Limits specified in Exhibit E. 2.2 Facultative Coverage The reinsurance will be on a facultative basis if the Company receives an application for a policy covered under this Agreement for which: 2.2.1 The total of the new reinsurance required and the amount already reinsured on that life under this Agreement and all other life agreements between the Reinsurer and the Company, exceeds the Automatic Acceptance Limits set out in Exhibit E; or 2.2.2 The Company intends to retain less than the Retention Limit set out in Exhibit D taking into account the applicant's age and mortality rating; or 2.2.3 The amount of insurance in force, including any coverage to be replaced, plus the amount currently applied for on that life in all companies exceeds the Jumbo Limit stated in Exhibit E; or 2.2.4 The application is on a life for which an application had been submitted by the Company on a facultative basis to the Reinsurer or any other reinsurer within the last 3 years, unless the reason for submitting facultatively no longer applies. The reinsurance will also be on a facultative basis if the Company submits an application to the Reinsurer for its consideration on a plan or rider which qualifies for automatic reinsurance under this Agreement. The relevant terms and conditions of this Agreement will apply to those facultative offers made by the Reinsurer which are accepted by the Company. 6 Article 3 3.1 Automatic Submissions The Company will submit automatic policies to the Reinsurer according to the reporting terms set out in Exhibit F. Upon the request of the Reinsurer, the Company will send to the Reinsurer copies of the application, underwriting papers and other papers on a life reinsured automatically under this Agreement. 3.2 Facultative Submissions The Company will apply for reinsurance on a facultative basis by sending to the Reinsurer an Application for Reinsurance, a sample of which is included as Exhibit B. Accompanying this Application for Reinsurance will be copies of all underwriting evidence that is available for risk assessment. Any subsequent information received by the Company that is pertinent to the risk assessment will be transmitted to the Reinsurer immediately. After consideration of the Application for Reinsurance and related papers, the Reinsurer will promptly inform the Company of its underwriting decision. If the underwriting decision is acceptable to the Company and the Company's policy is subsequently placed in force in accordance with the issue rules provided to the Reinsurer, the Company will duly notify the Reinsurer according to the terms outlined in Exhibit F. The Company will advise the Reinsurer in writing if the Application for Reinsurance is not to be placed with the Reinsurer. 7 Article 4 4.1 Premium Accounting The Company will pay the Reinsurer premiums in accordance with the terms specified in Exhibit C. The method and requirements for reporting and remitting premiums are outlined in Exhibit F. The Reinsurer reserves the right to charge interest on overdue premiums. The interest will be calculated according to the terms and conditions specified in Exhibit C. 4.2 Non-Payment of Premiums The Reinsurer may terminate its liability for any Reinsured Policy for which the premiums have not been paid within 60 days after the Due Date stated in Exhibit F, by giving the Company 15 days written notice of such termination. Notwithstanding such termination, the Company is still obligated to pay the overdue premiums, plus interest to the date of payment. The Company will not force termination under the provisions of this Article solely to avoid the recapture requirements or to transfer the Reinsured Policies to another reinsurer. 8 Article 5 5.1 Right of Offset The Company and the Reinsurer will have the right to offset any balance or balances whether on account of premiums, allowances or claims due from one party to the other, under this Agreement or under any other reinsurance agreement between the Company and the Reinsurer. The right of offset will not be affected or diminished because of the insolvency of either party. 9 Article 6 6.1 Conversions In the event of the conversion of a Reinsured Policy the policy arising from the conversion will be reinsured with the Reinsurer. The amount to be reinsured will be determined on the same basis as used for the original policy (e.g. excess of retention, quota share) but will not exceed the amount reinsured as of the date of conversion unless mutually agreed otherwise. If the policy arising from a conversion is on a plan that is: 6.1.1 Reinsured on a coinsurance basis with the Reinsurer, the appropriate premium at the attained age will be used and the policy year for the purpose of commission rates will be based on the duration of the original policy; or 6.1.2 Reinsured on a YRT basis with the Reinsurer, the appropriate YRT rate at the attained age and duration of the original policy will be used and any allowance will be based on the duration of the original policy; or 6.1.3 Not covered by any reinsurance agreement with the Reinsurer, reinsurance will be on a YRT basis using the YRT rates specified in Exhibit C, at the attained age and duration of the original policy. The above terms will apply unless specified otherwise in Exhibit C. Unless mutually agreed otherwise, policies that had been reinsured with another reinsurer and which convert to a plan covered under this Agreement will not be reinsured with the Reinsurer. 6.2 Policy Changes If the plan, the amount of reinsurance or the premiums of a Reinsured Policy are changed, the Company will promptly inform the Reinsurer. Whenever a Reinsured Policy is changed and the Company's underwriting rules do not require that full evidence be obtained, the reinsurance will remain in effect with the Reinsurer. The suicide, contestability and recapture periods applicable to the original Reinsured Policy will apply to the reissued Reinsured Policy and the duration will be measured from the effective date of the original Reinsured Policy. Whenever any Reinsured Policy is changed and the Company's underwriting rules require that full evidence be obtained, the change will be subject to the Reinsurer's approval, if: 6.2.1 The new amount of the Reinsured Policy would be in excess of the Automatic Acceptance Limit, in effect at the time of the change, as set out in Exhibit E; or 10 6.2.2 The new amount of the policy and the amount already in force on the same life exceeds the Jumbo Limit stated in Exhibit E; or 6.2.3 The Reinsured Policy is on a facultative basis. The amount of any non-contractual increase will be subject to the terms stated in Exhibit C. The Company will report the details of all changes according to the terms outlined in Exhibit F, Reinsurance Reports. For changes not covered under this Agreement, which affect the terms of any Reinsured Policy, the Company must obtain the Reinsurer's approval before such changes become effective. 6.3 Reductions Unless specified otherwise in this Agreement, if the amount of insurance of a policy issued by the Company is reduced, then the amount of reinsurance on that life will be reduced effective the same date by the full amount of the reduction under the original policy. If the amount of insurance terminated equals or exceeds the amount of reinsurance, the full amount of reinsurance is terminated. If the reinsurance is a quota share of the policy issued by the Company, the reduction would be proportional. The reduction will first apply to any reinsurance on the policy being reduced and then in a chronological order according to policy date ("first in, first out") to any reinsurance on the other policies in force on the life. However, the Company will not be required to assume a risk for an amount in excess of its regular retention for the age at issue and the mortality rating of the policy under which reinsurance is being terminated. If the reinsurance for a policy has been placed with more than one reinsurer, the reduction will be applied to all reinsurers pro rata to the amounts originally reinsured with each reinsurer. 6.4 Lapses When a policy lapses, the corresponding Reinsured Policy will be terminated effective the same date. The Reinsurer's liability with respect to unearned premiums on the terminated Reinsured Policy is set out in Exhibit F. Unless specified otherwise in this Agreement, if a policy fully retained by the Company lapses, the Reinsured Policy or Policies on that same life will be reduced or terminated effective the same date in order for the Company to maintain its full retention. The terms under the preceding Reductions clause would apply. 11 If the Company allows extended or reduced paid-up insurance following a lapse, the reinsurance will be appropriately amended. If the Company allows the policy to remain in force under its automatic premium loan regulations, the reinsurance will continue unchanged and in force as long as such regulations remain in effect, except as provided for otherwise in this Agreement. 6.5 Reinstatements If a policy reinsured on an automatic basis is reinstated in accordance with its terms or the rules of the Company, as provided to the Reinsurer, the Reinsured Policy will be reinstated automatically by the Reinsurer. The Reinsurer's approval is required only for the reinstatement of a facultative policy when the Company's regular reinstatement rules indicate that more evidence than a Statement of Good Health is required. The Company's liability with respect to the premiums in arrears is set out in Exhibit F. 6.6 Minimum Reinsurance Limit The Company may not submit a policy to the Reinsurer unless the amount of the policy to be reinsured exceeds the Minimum Initial Reinsurance Limit specified in Exhibit C. The Reinsured Policy will be canceled whenever its net amount at risk becomes less than the Minimum Final Reinsurance Limit set out in Exhibit C. 12 Article 7 7.1 Retention Limit Changes If the Company changes its retention limits, it will provide the Reinsurer with written notice of the new retention limits and the effective date. A change to the Company's Retention Limits in Exhibit D will not affect the Reinsured Policies in force at the time of such a change except as specifically provided for elsewhere in this Agreement. 7.2 Recapture The Company may apply its increased retention limits to reduce the benefit amount of in force Reinsured Policies provided: 7.2.1 The Company gives the Reinsurer written notice of its intention to recapture within 90 days of the effective date of the retention increase; and 7.2.2 Such recaptures are made on the next anniversary of each Reinsured Policy affected and with no recapture being made until the Reinsured Policy has been in force for the period stated in Exhibit C. For a conversion policy or re-entry, the recapture terms of the original policy will apply and the duration for the recapture period will be measured from the effective date of the original policy; and 7.2.3 The Company has maintained from the time the policy was issued, its full retention as set out in Exhibit D for the plan and the insured's classification. Reinsured policies on a first dollar quota share basis will not be eligible for recapture; and 7.2.4 The Company has applied its increased Retention Limits in a consistent manner to all categories of its Retention Limits set out in Exhibit D unless otherwise agreed to by the Reinsurer. In applying its increased Retention Limits to Reinsured Policies, the age and mortality rating at the time of issue will be used to determine the amount of the Company's increased retention. Recapture as provided herein is optional with the Company, but if any Reinsured Policy is recaptured, all Reinsured Policies eligible for recapture under the provisions of this Article must be recaptured. If there is reinsurance in other companies on risks eligible for recapture, the necessary reduction is to be applied pro rata to the total outstanding reinsurance. 13 The amount of reinsurance eligible for recapture is based on the reinsurance net amount at risk as of the date of recapture. The Company may not recapture reinsurance if the Company has either obtained or increased stop loss reinsurance coverage as justification for the increase in retention. If there is a Waiver of Premium (W.P.) claim in effect when recapture takes place, the W.P. claim will stay in effect until the W.P. claim terminates. The Reinsurer will not be liable for any other benefits, including the basic life risk, that are eligible for recapture. All such eligible benefits will be recaptured as if there was no W.P. claim. The Reinsurer will not be liable, after the effective date of recapture, for any Reinsured Policies or portions of such Reinsured Policies eligible for recapture, that the Company has overlooked. The Reinsurer will be liable only for a credit of the premiums, received after the recapture date, less any allowance. The terms and conditions for the Company to recapture in force Reinsured Policies due to the insolvency of the Reinsurer are set out in the Insolvency clause in Article 11. If the Company transfers business which is reinsured under this Agreement to a successor company, then the successor company has the option to recapture the reinsurance, in accordance with the recapture criteria outlined in this Article, only if the successor company has a higher retention limit than the Company. 14 Article 8 8.1 Liability Unless specified elsewhere in the Agreement, the Reinsurer's liability for the Reinsured Policies is restricted to its share of the Company's liability as limited by the terms and conditions of the particular policy under which the Company is liable. The Reinsurer may terminate its liability for any policies for which reinsurance premium payments are in arrears, according to the terms set out in Article 4 of this Agreement. 8.2 Commencement of Automatic Reinsurance Liability The Reinsurer's liability for any Reinsured Policy accepted automatically will begin simultaneously with the Company's contractual liability for that policy. 8.3 Commencement of Facultative Reinsurance Liability If a facultative application is submitted by the Company to the Reinsurer only, then the Reinsurer's liability will begin simultaneously with the Company's contractual liability for this facultative policy. The amount of the Reinsurer's liability will be the lesser of the Reinsurer's offer, the Conditional Receipt Amount set out in Exhibit A-2 or the Automatic Acceptance Limits set out in Exhibit E. The Reinsurer's liability ceases if the Reinsurer declines the risk and duly notifies the Company. The Reinsurer's liability would also cease if the Company declines the Reinsurer's offer. If, however, a facultative application is submitted by the Company to any other reinsurer, in addition to the Reinsurer, the liability of the Reinsurer will commence when the Reinsurer has received written notice from the Company, during the lifetime of the insured, that the Reinsurer's offer has been accepted. The Company will have 120 days from the date of the Reinsurer's final offer in which to place the policy with the insured/owner, after which time the Reinsurer's offer will expire unless the Reinsurer explicitly states in writing that the offer is extended for some further period. 8.4 Conditional or Interim Receipt Liability The extent of the Reinsurer's liability on a per life basis, for claims accepted by the Reinsurer that have arisen under the conditional receipt or interim receipt coverage, is set out in Exhibit A-2. 15 Article 9 9.1 Claims Notice The Company will notify the Reinsurer as soon as reasonably possible after the Company receives the claim. Copies of all claims papers will be sent promptly by the Company to the Reinsurer. The settlement made by the Company will be binding on the Reinsurer. However, for claims made during the contestable period or in any case where the total amount of reinsurance ceded to the Reinsurer is greater than the amount retained by the Company, or if the Company retained less than, or none of, its usual retention on the policy, then all papers in connection with the claim will be submitted to the Reinsurer and the Company will wait for up to ten days from the date of submission for the Reinsurer's recommendation before conceding liability or making settlement to the claimant. The Company will provide the Reinsurer with all further reports and papers required by the Reinsurer for its consideration of the claim. For Joint Life Last Survivor business, the Company will notify the Reinsurer of the first death. 9.2 Claims Payment The Reinsurer will be liable to the Company for the benefits reinsured and the reinsurance will not exceed the Company's contractual liability under the terms of its policies. The payment of death claims by the Reinsurer will be in one lump sum regardless of the mode of settlement under the original policy. The Reinsurer's share of interest, which is based on the death proceeds paid by the Company, will be payable in addition to the death claim settlement. The Reinsurer will pay to the Company premiums at the rate applicable to the original policy on any policy approved for a waiver of premium claim, provided always that the waiver of premium benefit applicable to such benefits has been reinsured under this Agreement. 9.3 Contested Claims The Company will notify the Reinsurer of its intention to contest, compromise or litigate a claim involving a Reinsured Policy. The Company will also provide the Reinsurer prompt notice of any legal proceedings initiated against the Company in response to its denial of a claim on a reinsured policy. Should any claim be settled on a reduced compromise basis, or should a contested claim be settled for a reduced sum, the Company and the Reinsurer will participate in such reductions in proportion to their respective liabilities under the policy or policies reinsured. The Reinsurer may pay its share of the death benefit if it does not deem it advisable to 16 contest the claim. 9.4 Claims Expenses The Reinsurer will pay its share of reasonable investigation and legal expenses incurred in adjudicating or litigating the claim. The Reinsurer will not be liable for any portion of any routine investigative or administrative expenses incidental to the settlement of claims (such as compensation of salaried employees) which are incurred by the Company; nor for any expenses incurred in connection with a dispute or contest arising out of conflicting claims of entitlement to policy proceeds or benefits that the Company admits are payable. In the event that the Reinsurer pays its share of the death benefit of a policy for which the Company is contesting the claim, the Reinsurer will not be liable for any subsequent expenses incurred by the Company. 9.5 Extra Contractual Obligations Extra Contractual Obligations are obligations outside of the contractual obligations and include but are not limited to punitive damages, bad faith damages, compensatory damages, and other damages or statutory penalties which may arise from the willful and/or negligent acts or omissions by the Company. In the case of a claim requiring the Reinsurer's review and approval, and if the Company follows the Reinsurer's opinion, the Reinsurer recognizes that circumstances may arise under which the Reinsurer, in equity, should share, to the extent permitted by law, in paying certain assessed damages. Such circumstances are difficult to define in advance, but involve those situations in which the Reinsurer was an active party in the act, omission or course of conduct which ultimately resulted in the assessment of such damages. The extent of such sharing is dependent on good faith assessment of culpability in each case, but all factors being equal, the division of any such assessment would be in proportion to what impact the Reinsurer's opinion had on such damages. Notwithstanding anything stated herein, this Agreement will not apply to any Extra Contractual Obligations incurred by the Company as a result of any fraudulent and/or criminal act by any employee or officer of the Company or an agent representing the Company, acting individually, collectively or in collusion in the presentation, defense, or settlement of any claim. 9.6 Misstatement of Age or Sex In the event of an increase or reduction in the amount payable under a policy due to a misstatement in age or sex, the proportionate liabilities under this Agreement will be the basis for determining each party's share of any increase or reduction. The Reinsured Policy will be rewritten from commencement on the basis of the adjusted amounts using premiums and amounts at risk for the correct ages and sex, and the proper adjustment for the difference in reinsurance premiums, without interest, will be made. 17 Article 10 10.1 Oversights Any unintentional or accidental failure to comply with the terms of this Agreement which can be shown to be the result of an oversight, misunderstanding or clerical error, by either the Company or the Reinsurer, will not be deemed to be a breach of this Agreement. Upon discovery, the error will be corrected so that, to the extent reasonably practical, both parties are restored to the position they would have occupied had the oversight, misunderstanding or clerical error not occurred. This provision will apply only to oversights, misunderstandings or clerical errors relating to the administration of reinsurance covered by this Agreement and not to the administration of the insurance provided by the Company to its insured. If the Company or the Reinsurer discovers that the Company did not cede reinsurance on a policy it should have reinsured under this Agreement, the Company may be required to audit its records, at the request of the Reinsurer, to determine if reinsurance was unreported on any other policies. The Company is expected to take the necessary actions to ensure that similar oversights do not recur. If the Reinsurer receives no evidence that the Company has taken action to remedy such a situation, the Reinsurer reserves the right to limit its liability to correctly reported policies only. Any negligent or deliberate wrongful acts or omissions by the Company regarding the insurance or reinsurance provided are not the responsibility of the Reinsurer. 10.2 Arbitration Any controversy or claim arising hereunder between the Company and the Reinsurer relating to the policies covered under this Agreement, or the breach thereof, shall be settled by arbitration in accordance with the CPR Institute for Dispute Resolution Rules for Non-Administered Arbitration. The place of meeting of the arbitrators will be decided by a majority vote of the arbitrators. Except as may be required by law, neither party nor an arbitrator may disclose the existence, content, status or results of any arbitration hereunder without the prior written consent of both parties. Unless the Arbitrators decide otherwise, each party will bear the expense of its own arbitration, including its arbitrator and outside attorney fees and will jointly and equally bear with the other party the expense of any third arbitrators. Judgment upon the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. It is specifically the intent of both parties that these arbitration provisions will replace and be in lieu of any statutory arbitration provision, if the law so permits. 18 Article 11 11.1 Insolvency A party to this Agreement will be deemed "insolvent" when it: 11.1.1 Applies for or consents to the appointment of a receiver, rehabilitator, conservator, liquidator or statutory successor (hereinafter referred to as the Authorized Representative) of its properties or assets; or 11.1.2 Is adjudicated as bankrupt or insolvent; or 11.1.3 Files or consents to the filing of a petition in bankruptcy, seeks reorganization or an arrangement with creditors or takes advantage of any bankruptcy, dissolution, liquidation, or similar law or statute; or 11.1.4 Becomes the subject of an order to rehabilitate or an order to liquidate as defined by the insurance code of the jurisdiction of the party's domicile. In the event of the insolvency of the Company, all reinsurance made, ceded, renewed or otherwise becoming effective under this Agreement will be payable by the Reinsurer directly to the Company or to its Authorized Representative, on the basis of the liability of the Company under the Reinsured Policies without diminution because of the insolvency of the Company. The Authorized Representative will give written notice to the Reinsurer of all pending claims against the Company on any policies reinsured within a reasonable time after such claims are filed in the insolvency proceedings. While a claim is pending, the Reinsurer may investigate such claim and interpose, at its own expense, in the proceedings where the claim is to be adjudicated, any defense or defenses which it may deem available to the Company or the Authorized Representative. The expense thus incurred by the Reinsurer will be chargeable, subject to court approval, against the Company as part of the expense of conservation or liquidation to the extent of a proportionate share of the benefit which may accrue to the Company solely as a result of the defense undertaken by the Reinsurer. Where two or more reinsurers are involved in the same claim and a majority in interest elect to interpose a defense to such claim, the expense will be apportioned in accordance with the terms of the Agreement as though such expense had been incurred by the Company. In the event of insolvency of the Company, the Right of Offset afforded under Article 5 will remain in full force and effect to the extent permitted by applicable law. In the event of the insolvency of the Reinsurer, the Company may cancel this Agreement for new business by promptly providing the Reinsurer, its receiver, rehabilitator, conservator, liquidator or statutory successor with written notice of the cancellation effective the date on which the Reinsurer's insolvency is established by the authority 19 responsible for such determination. Any requirement for a notification period prior to the cancellation of the Agreement would not apply under such circumstances. In addition, the Company may provide the Reinsurer, its receiver, rehabilitator, conservator, liquidator or statutory successor with written notice of its intent to recapture all reinsurance in force under this Agreement regardless of the duration the reinsurance has been in force or the amount retained by the Company on the policies reinsured hereunder. The effective date of a recapture due to insolvency would be at the election of the Company and would not be earlier than the date on which the Reinsurer's insolvency is established by the authority responsible for such determination. Any Recapture Fee applicable will be mutually agreed upon by the Company and the Reinsurer, its rehabilitator, conservator, liquidator or statutory successor. 20 Article 12 12.1 DAC Tax The Company and the Reinsurer agree to the DAC Tax Election pursuant to Section 1.848-2(g)(8) of the Income Tax Regulation under Section 848 of the Internal Revenue code of 1986, as amended, whereby: 12.1.1 The party with the net positive consideration for this Agreement for each taxable year will capitalize specified policy acquisition expenses with respect to this Agreement without regard to the general deductions limitation of Section 848(c)(1); and 12.1.2 Both parties agree to exchange information pertaining to the amount of net consideration under this Agreement each year to ensure consistency. The term "net consideration" will refer to the net consideration as defined in Regulation Section 1.848-2(f). The method and timing of the exchange of this information is set out in Exhibit G. This DAC Tax Election will be effective for all years for which this Agreement remains in effect. The Company and the Reinsurer represent and warrant that they are subject to U.S. taxation under either the provisions of subchapter L of Chapter 1 or the provisions of subpart F of subchapter N of Chapter 1 of the Internal Revenue Code of 1986, as amended. 12.2 Taxes and Expenses Apart from any taxes, allowances, refunds, and expenses specifically referred to elsewhere in this Agreement, no taxes, allowances, or proportion of any expense will be paid by the Reinsurer to the Company in respect of any Reinsured Policy. 21 Article 13 13.1 Entire Agreement This Agreement will constitute the entire agreement between the parties with respect to the business being reinsured hereunder. There are no understandings between the Company and the Reinsurer other than as expressed in this Agreement. Any alteration to this Agreement will be null and void unless made by written amendment, attached to the Agreement and signed by both parties. 13.2 Parties to Agreement This is an Agreement solely between the Company and the Reinsurer. The acceptance of reinsurance hereunder will not create any right or legal relation between the Reinsurer and the insured, beneficiary, or any other party to any policy of the Company which may be reinsured hereunder. This Agreement will be binding upon the parties hereto and their respective successors and assigns. 13.3 Inspection of Records The Reinsurer, or its duly appointed representatives, will have access to the records of the Company concerning the business reinsured hereunder for the purpose of inspecting, auditing and photocopying those records. Such access will be provided at the office of the Company and will be during reasonable business hours, upon reasonable prior notice given by the Reinsurer. Provided there is business in force under this Agreement, the Reinsurer's right of access as specified above will survive the term of the Agreement. 13.4 Good Faith All matters with respect to this Agreement require the utmost good faith of both parties. Each party represents and warrants to the other party that it is solvent on a statutory basis in all states in which it does business or is licensed. Each party will promptly notify the other if it is subsequently financially impaired. The Reinsurer has entered into this Agreement in reliance upon the Company's representations and warranties. The Company affirms that it has and will continue to disclose all matters material to this Agreement. Examples of such matters are a change in underwriting or issue practices or philosophy, a change in underwriting or claims 22 management personnel, or a change in the Company's ownership or control. The Company affirms that the underwriting, administration and claims practices it employs are consistent with the customary and usual practices of the insurance industry as a whole. Should the Company engage in exceptional or uncustomary practices, it will inform the Reinsurer of such action and obtain its written consent before assigning any liability to the Reinsurer with respect to any policies covered under this Agreement. 13.5 Confidentiality Both the Company and the Reinsurer will hold confidential and not disclose or make competitive use of any shared proprietary information unless otherwise agreed to in writing, or unless the information otherwise becomes publicly available or the disclosure of which is required for retrocession purposes or has been mandated by law or is duly required by external auditors. [LOGO] GE GE Financial Assurance -------------------------------------------------------------------------------- I, Richard Kannan, Vice President of GE Life and Annuity Assurance Company (a GE Financial Assurance Company and an affiliate of GE Capital Life Assurance Company of New York), hereby affirm that the listings and summaries of policies and contracts in force as of December 31, 2003, and other liabilities prepared for and submitted to C. Allen Lough, generated from the Vantage and Transcend administrative systems at the Lynchburg and Richmond sites for fixed deferred annuity, variable annuity and variable life business, were prepared under my direction and, to the best of my knowledge and belief, are substantially accurate and complete. ----------------------- Signature ----------------------- Date of Signature 6610 West Broad Street Richmond Virginia 23230 (804) 662-2601 Affiliated Companies: GE Life and Annuity Assurance Company, General Electric Capital Assurance Company, GE Capital Life Assurance Company of New York, First Colony Life Insurance Company, Union Fidelity Life Insurance Company [LOGO] GE GE Financial Assurance -------------------------------------------------------------------------------- I, Stephen Cheung, Senior Vice President of GE Capital Assurance Company (a GE Financial Assurance Company and an affiliate of GE Capital Life Assurance Company of New York), hereby affirm that the listings and summaries of policies and contracts in force as of December 31, 2003, and other liabilities prepared for and submitted to Tyree S. Wooldridge, generated from the CLOAS administrative systems at the San Rafael site for LTC Insurance business, were prepared under my direction and, to the best of my knowledge and belief, are substantially accurate and complete. ----------------------- Signature ----------------------- Date of Signature 6630 West Broad Street Richmond Virginia 23230 (804) 484-3819 Affiliated Companies: GE Life and Annuity Assurance Company, General Electric Capital Assurance Company, GE Capital Life Assurance Company of New York, First Colony Life Insurance Company, Union Fidelity Life Insurance Company 23 Article 14 14.1 Duration of Agreement This Agreement is unlimited as to its duration. The Reinsurer or the Company may terminate this Agreement for new business by 14.1.1 Giving at least 90 days written notice to that effect to the other party; or 14.1.2 As provided elsewhere in this Agreement. During the 90 day notification period, the Reinsurer will continue to accept policies covered under the terms of this Agreement. Further, the Reinsurer remains liable for all Reinsured Policies in force at the date of the termination, set forth in the notice, until their natural expiration, unless the parties mutually decide otherwise or as specified otherwise in this Agreement. 14.2 Severability If any provision of this Agreement is determined to be invalid or unenforceable, such determination will not affect or impair the validity or the enforceability of the remaining provisions of this Agreement. 14.3 Construction The rights and obligations under this Agreement will be construed and administered in accordance with the laws of the Company's state of domicile stated in Exhibit A-1. 24 Made in duplicate and executed by both parties. Signed for and on behalf of GE Life and Annuity Assurance Company By: /s/ Illegible By: /s/ Illegible ----------------------------------- ---------------------------------- Title: Sr VP Title: VP ___ ___ Date: 12/04/01 Place: Richmond VA Signed for and on behalf of Swiss Re Life & Health America Inc. By: /s/ Illegible By: /s/ Illegible ----------------------------------- ---------------------------------- Title: Vice President Title: Vice President Date: September 26, 2001 Place: Stanford, CT. Exhibit A-1 Business Covered Agreement Effective Date: November 1, 2000. The commencement dates for specific plans are shown below. Coverage: The policies on the plans shown below which have policy issue dates falling in the period that begins with the Commencement Date and ends with the Termination Date are covered subject to any limitations shown below or elsewhere in this Agreement. These policies are on lives resident in the United States. Currency: US$ Company's State of Domicile: Virginia Limitations: 1. For policies on lives with surnames commencing with the letters A to Z inclusive, which qualify for automatic coverage, 25 percent of the excess over the Company's retention specified in Exhibit D, up to the Reinsurer's Automatic Acceptance Limits specified in Exhibit E, will be reinsured with the Reinsurer. Plans, Riders and Benefits:
Plan Exhibit Reference Limitations Commencement Termination Identification for Rates Item Number Date Date ------------------- ----------------- ----------- ---------------- ----------- Single Premium C-1 1 November 1, 2000 Variable Life Single Premium C-1 1 November 1, 2000 Variable Joint Life Riders: Guaranteed Death C-1 1 November 1, 2000 Benefit Rider
Exhibit A-1 Page 2 Facultative Submissions: The Company may submit, on a facultative basis, to the Reinsurer any application for a policy on a plan or rider listed above which qualifies for automatic reinsurance. The Company will submit on a facultative basis to the Reinsurer any application for a policy on a plan or rider listed above which meets any of the criteria listed in Article 2 under Facultative Coverage. Exhibit A-2 Required Forms, Manuals and Issue Rules The following items have been provided to the Reinsurer by the Company for the business covered under this Agreement: 1. Policy Application Form 2. Underwriting Manual and Agent's Guide 3. Policy Delivery Rules and Reinstatement Rules 4. Non-medical and Medical Requirements 5. Financial and Non-smoking Questionnaires 6. Preferred Underwriting Guidelines 7. Premium Rates 8. Retention Schedule Conditional Receipt Amount The amount of coverage provided by the Reinsurer under a Conditional Receipt (or Interim Receipt) will not exceed the lesser of: 1. The Reinsurer's share of $500,000; or 2. The Automatic Acceptance Limits; or 3. The Reinsurer's share of the difference between the amount of insurance provided by the Conditional Receipt (or Interim Receipt) and the Company's maximum retention assuming the life had been underwritten as standard. The Company's retention will include any amounts retained under any in force policies on the life. Swiss Re Life & Health Exhibit B Reinsurance Application From: Company Name Company Name ------------------------------------------------------------------------------------------------------------------------------------ Last First Middle Date of Birth Age Sex Applicant's Name ------------------------------------------------------------------------------------------------------------------ Plan Preferred Smoker Nonsmoker Reunderwriting ---------------------------------------- Curr Residence For Premium Tax Policy Number Policy Date Preliminary Term From ------------------------------------------------------------------------------------------------------------------------------------ Type of Application Facultative Automatic Placement Date Self Administered (Bulk) Terms YRT Coinsurance ------------------------------------------------------------------------------------------------------------------------------------ Decrement Cash Values Reserves Age Basis Retention Code Full Reduced Nil ------------------------------------------------------ ------------------------------------------- Reinsurance Amounts Basic Coverage Additional Coverage Waiver Premium Accidental Death Other Benefits Benefit Benefit Previous Insurance In Force ------------------------------------------------------------------------------------------------------ Of Which We Retained - ------------------------------------------------------------------------------------------------------ Insurance Now Applied For - ------------------------------------------------------------------------------------------------------ Of Which We Retain - ------------------------------------------------------------------------------------------------------ Reinsurance This Cession - ------------------------------------------------------------------------------------------------------ Extra Premium ------------------------------------------------------------------------------------------------------ Rating If Substandard - ------------------------------------------------------------------------------------------------------ Coinsurance Premium - ------------------------------------------------------------------------------------------------------ *For YRT cases state Gross Premiums Amount of Premium Annual Decrement for and Expiry Ages for benefits WP AD Other to be Wavied Amount at Risk ---------------------------------------------------------------------------------------------- Additional Information or Remarks ------------------------------------------------------------------------------------------------------------------------------------ ------------------------------------------------------------------------------------------------------------------------------------ Date By ------------------------------------------------------------------------------------------------------------------------------------
Exhibit C General Terms 1. Reinsurance Basis: YRT 2. Reinsurance Rates: The rates set out in the sub-section(s) of Exhibit C will apply to Reinsured Policies on both an automatic and a facultative basis. 3. Rate Limit: The rates set out in the sub-section(s) of Exhibit C will apply to all reinsurances, provided the total of the new reinsurance amount and the amount already reinsured on the life under this Agreement, and all other Agreements with the Reinsurer, does not exceed the amount shown in the table below. Individual consideration will be given to the rates for any amounts over the limit shown in the table below: Issue Age Std.(100%) - 500% --------- ----------------- 0 - 90 $10,000,000 4. Age Basis: Last. 5. Premium Tax: There will be no separate reimbursement of premium tax. 6. Dividend Payments: The Reinsurer will not be liable for any dividend payments. 7. YRT Rate Guarantee: The reinsurance rates set out in the sub-section(s) of Exhibit C are guaranteed to the extent that in the 2nd year and later the Reinsurer reserves the right to increase the premiums for reinsurance but not above the statutory net premium. 8. YRT Deficiency Reserves: If deficiency reserves are required to be held by the Company on any Reinsured Policy, the entire amount of any such reserve will be established and held by the Company. 9. Minimum Initial Automatic Reinsurance Limit: $5,000 Minimum Final Reinsurance Limit: $5,000 Exhibit C Page 2 10. Net Amounts At Risk: For UL Life type plans, if the death benefit is Option A, the amount at risk will be the difference between the initial amount of reinsurance and the cash values applicable to the face amount of the policy. 11. Recapture: Due to Increase in Company's Retention Inforce Period: 10 years Due to Insolvency of Reinsurer Inforce Period: Not applicable 12. Interest Rate For Overdue Premiums: The interest rate payable by the Company to the Reinsurer for overdue premiums will be the 90 Day Federal Government Treasury Bill rate as first published in the Wall Street Journal in the month following the end of the billing period plus 50 basis points. The method of calculation will be simple interest "Bankers' Rule" (or 360 day year). 13. Rates Applicable To Increases: First year reinsurance premium rates and allowances will apply to the amount normally underwritten of a non-contractual increase. 14. YRT Rates For Conversions To Non-Reinsured Plans The current applicable YRT rates. 15. Reductions: Reinsured Policies will be reduced on a full reduction basis. Exhibit C-1 Reinsurance Rates and Allowances 1. Premiums: The Company will pay to the Reinsurer a basic premium calculated by multiplying its net amount at risk by the rates set out in Exhibit C-1, attached, multiplied by the Premium Factors below. Premiums will be payable on a policy year basis, whatever the mode of payment of the premiums under the original insurance, and the Company will continue to pay the appropriate premium to the Reinsurer as long as the Reinsured Policy is in force. Any extra premiums payable on account of additional mortality risk wiil be payable to the Reinsurer. For waiver of premium and disability rider benefits, premiums will be calculated on the amount reinsured using the same rate as is applicable to the original policy. 2. Premium Factors: On Basic Plan(s) The following percentages, expressed as a percentage of the Company's spvlrate.xls Coi Charges, are used to calculate the reinsurance premiums: Individual Joint Life* ---------- ----------- All Durations 103% 113% * Joint rates subject to a minimum reinsurance premium of $.15/$1,000. On Flat Extra Premiums When a flat extra premium is payable for 5 years or less, an allowance of 10% of the gross flat extra charged by the Company will be made each year. When a flat extra premium is payable for more than 5 years, an allowance of 100% of the gross flat extra charged by the Company will be made in the first year and an allowance of 10% in each year thereafter. On Multiple Extra Premiums The same allowances as those payable on the basic policy. EXHIBIT C-1 Page 2 On Benefits For Waiver of Premium and Disability premiums an allowance of 100% of the gross premium charged by the Company in the first year will be paid and an allowance of 10% in each year thereafter. EXHIBIT C-1 (Mortality for males Ages *20 years)
AGE X X+1 X+2 X+3 X+4 X+5 X+6 X+7 X+8 X+9 X+10 --- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- 0 0.000612 0.000482 0.000304 0.000264 0.000231 0.000205 0.000191 0.000165 0.000152 0.000152 0.000139 1 0.000323 0.000304 0.000264 0.000224 0.000172 0.000139 0.000125 0.000125 0.000132 0.000132 0.000145 2 0.000231 0.000238 0.000211 0.000172 0.000139 0.000132 0.000125 0.000139 0.000132 0.000152 0.000165 3 0.000231 0.000185 0.000158 0.000145 0.000132 0.000119 0.000125 0.000139 0.000152 0.000165 0.000205 4 0.000191 0.000165 0.000145 0.000139 0.000119 0.000132 0.000139 0.000152 0.000172 0.000198 0.000284 5 0.000165 0.000152 0.000139 0.000125 0.000132 0.000145 0.000158 0.000172 0.000205 0.000277 0.000356 6 0.000152 0.000145 0.000125 0.000139 0.000145 0.000158 0.000178 0.000205 0.000284 0.000363 0.000515 7 0.000125 0.000132 0.000139 0.000152 0.000165 0.000178 0.000205 0.000284 0.00037 0.000482 0.000574 8 0.000119 0.000139 0.000132 0.000165 0.000178 0.000211 0.00029 0.000376 0.000488 0.000581 0.000614 9 0.000125 0.000132 0.000152 0.000178 0.000211 0.000297 0.000383 0.000502 0.000587 0.00062 0.000647 10 0.000119 0.000145 0.000172 0.000218 0.000304 0.000396 0.000506 0.000601 0.000634 0.000653 0.000673 11 0.000132 0.000165 0.000218 0.00031 0.000403 0.000521 0.000614 0.000647 0.000667 0.00068 0.000706 12 0.000152 0.000205 0.000317 0.000409 0.000528 0.000627 0.00066 0.00068 0.000693 0.000713 0.000733 13 0.000198 0.000297 0.000403 0.000541 0.00064 0.000667 0.000693 0.0007 0.000693 0.000706 0.000713 14 0.00029 0.000383 0.000554 0.000653 0.00068 0.0007 0.000713 0.000706 0.000693 0.00068 0.000666 15 0.000383 0.000561 0.000667 0.000693 0.000713 0.000719 0.000719 0.0007 0.000673 0.00066 0.000647 16 0.000574 0.00068 0.000713 0.000726 0.000739 0.000713 0.000706 0.00068 0.000653 0.000627 0.000607 17 0.000693 0.000726 0.000739 0.000752 0.000733 0.000706 0.000693 0.00066 0.00062 0.000587 0.000574 18 0.00068 0.000713 0.000719 0.000713 0.000693 0.00066 0.000647 0000614 0.000581 0.000554 0.000546 19 0.00066 0.00068 0.000673 0.000667 0.00064 0.00062 0.000594 0.000561 0.000541 0.000521 0.000528 AGE X+11 X+12 X+13 X+14 X+15 X+16 X+17 X+18 X+19 X+20 X+21 --- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- 0 0.000152 0.000165 0.000198 0.000284 0.00035 0.000515 0.000581 0.000614 0.000653 0.000673 0.00068 1 0.000165 0.000205 0.000284 0.000356 0.000521 0.000587 0.00062 0.00066 0.00068 0.000693 0.000686 2 0.000198 0.00029 0.000356 0.000528 0.000587 0.000627 0.000667 0.000686 0.0007 0.000693 0.00068 3 0.000284 0.000363 0.000535 0.000594 0.000634 0.000673 0.000693 0.000706 0.0007 0.000693 0.000673 4 0.000356 0.000528 0.000587 0.00064 0.00068 0.0007 0.000713 0.000706 0.0007 0.00068 0.000653 5 0.000515 0.000581 0.000614 0.000686 0.000713 0.000719 0.000713 0.000706 0.000686 0.00066 0.000627 6 0.000574 0.000607 0.00064 0.000719 0.000726 0.000726 0.000713 0.000693 0.000667 0.000634 0.000607 7 0.000607 0.000634 0.000653 0.000733 0.000733 0.000719 0.0007 0.000673 0.00064 0.000614 0.000587 8 0.00064 0.00066 0.000686 0.000726 0000713 0.0007 0.000673 0.00064 0.000614 0.000587 0.000568 9 0.000667 0.000693 0.000713 0.000713 0.0007 0.000673 0.00064 0.000614 0.000587 0.000568 0.000548 10 0.0007 0.000719 0.000719 0.000693 0.000667 0.00064 0.000607 0.000587 0.000568 0.000548 0.000528 11 0.000726 0.000726 0.000686 0.000687 0.000634 0.000607 0.000587 0.000568 0.000548 0.000528 0.000515 12 0.000733 0.000693 0.00066 0.000627 0.000601 0.000581 0.000561 0.000541 0.000528 0.000515 0.000508 13 0.0007 0.000667 0.000634 0.000607 0.000587 0.000568 0.000548 0.000528 0.000515 0.000515 0.000515 14 0.000673 0.000634 0.000614 0.000594 0.000574 0.000554 0.000535 0.000521 0.000515 0.000521 0.000528 15 0.000634 0.000601 0.000594 0.000581 0.000554 0.000541 0.000528 0.000521 0.000521 0.000528 0.000541 16 0.000607 0.000581 0.000574 0.000568 0.000548 0.000535 0.000528 0.000528 0.000535 0.000548 0.000568 17 0.000574 0.000561 0.000554 0.000554 0.000541 0.000535 0.000535 0.000541 0.000554 0.000566 0.000594 18 0.000548 0.000535 0.000535 0.000541 0.000541 0.000541 0.000541 0.000554 0.000574 0.000601 0.000627 19 0.000515 0.000515 0.000515 0.000535 0.000541 0.000541 0.000554 0.000574 0.000601 0.000627 0.000667 AGE X+22 X+23 X+24 Ultimate --- -------- -------- -------- -------- 0 0.00068 0.000667 0.000653 0.000627 1 0.000673 0.00066 0.000634 0.000607 2 0.000667 0.00064 0.000614 0.000581 3 0.000647 0.000614 0.000587 0.000561 4 0.00062 0.000594 0.000568 0.000548 5 0.000601 0.000574 0.000554 0.000528 6 0.000581 0.000561 0.000535 0.000515 7 0.000568 0.000541 0.000521 0.000502 8 0000541 0.000521 0.000508 0.000502 9 0.000528 0.000515 0.000508 0.000508 10 0.000515 0.000508 0.000508 0.000515 11 0.000515 0.000515 0.000515 0.000535 12 0.000515 0.000521 0.000535 0.000554 13 0.000521 0.000535 0.000554 0.000581 14 0.000541 0.000554 0.000581 0.000614 15 0.000561 0.000587 0.000614 0.000653 16 0.000587 0.00062 0.000653 0.0007 17 0.000627 0.00066 0.000706 0.000759 18 0.000667 0.000713 0.0007__ 0.000832 19 0.000713 0.000772 0.000838 0.000917 0.001016 0.001122 0.001247 0.001373 0.001505 0.00167 0.001841 0.002039 0.002251 0.002475 0.002726 0.003003 0.003307 0.00365 0.004033 0.004455 0.004937 0.005458 0.006026 0.00664 0.007306 0.008045 0.008864 0.009761 0.010751 0.011834 0.013002 0.014243 0.015596 0.017066 0.018704 0.020506 0.022499 0.024684 0.027053 0.029621 0.032373 0.035277 0.038366 0.041756 0.045467 0.049493 0.053836 0.058489 0.063393 0.068449 0.073663 0.079035 0.084559 0.090248 0.096089 0.102089 0.108253 0.114563 0.121037 0.12767
* Less than (Mortality for males Ages 20-85 years)
AGE X X+1 X+2 X+3 X+4 X+5 X+6 X+7 X+8 X+9 X+10 --- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- 20 0.00052 0.00054 0.000538 0.000536 0.000534 0.000521 0.000508 0.00049 0.000488 0.000492 0.000501 21 0.000469 0.000484 0.000483 0.000481 0.000479 0.000471 0.000465 0.000452 0.000461 0.000464 0.000484 22 0.000408 0.000423 0.000421 0.00042 0.000424 0.000422 0.000421 0.000419 0.000434 0.000449 0.000473 23 0.000408 0.000423 0.000416 0.000415 0.000413 0.000417 0.000421 0.000419 0.000434 0.000454 0.000484 24 0.000408 0.000412 0.000405 0.000403 0.000407 0.000417 0.000421 0.000424 0.000444 0.00047 0.000501 25 0.000402 0.0004 0.000399 0.000398 0.000407 0.000417 0.000421 0.00043 0.000455 0.000486 0.000516 26 0.000389 0.000388 0.000393 0.000396 0.000401 0.000415 0.000425 0.000445 0.000476 0.000512 0.000548 27 0.000377 0.000376 0.000386 0.00039 0.0004 0.00042 0.000441 0.000466 0.000496 0.000544 0.000579 28 0.000365 0.000375 0.00039 0.0004 0.000415 0.000441 0.000466 0.000497 0.000538 0.00058 0.000626 29 0.000358 0.000373 0.0004 0.000415 0.000441 0.000466 0.000497 0.000539 0.00058 0.000627 0.000663 30 0.000351 0.000372 0.000415 0.000441 0.000467 0.000498 0.000539 0.000581 0.000628 0.000684 0.000757 31 0.000345 0.000377 0.000431 0.000467 0.000498 0.00054 0.000582 0.000629 0.000885 0.000758 0.000841 32 0.000344 0.000388 0.000457 0.000499 0.000541 0.000582 0.000629 0.000886 0.000748 0.000842 0.000962 33 0.000343 0.000392 0.000478 0.00053 0.000583 0.00063 0.000687 0.000749 0.000843 0.000947 0.001066 34 0.000342 0.000397 0.000504 0.0005__ 0.000631 0.000687 0.00075 0.000844 0.000948 0.001067 0.001185 35 0.00034 0.000409 0.000532 0.000611 0.000684 0.000746 0.00084 0.000944 0.001064 0.001182 0.001333 36 0.000351 0.000425 0.000568 0.000669 0.000747 0.000641 0.000945 0.001065 0.001184 0.001334 0.001473 37 0.000359 0.000449 0.000614 0.000729 0.000839 0.000943 0.001063 0.001181 0.001332 0.00147 0.001613 38 0.000373 0.000474 0.000654 0.00078 0.000899 0.001009 0.001138 0.001267 0.001427 0.001591 0.00175 39 0.000393 0.000504 0.000704 0.00084 0.000965 0.001089 0.001224 0.001362 0.001533 0.001707 0.001896 40 0.000419 0.000539 0.000765 0.000911 0.001051 0.00117 0.001314 0.001458 0.001632 0.001827 0.002046 41 0.00045 0.000587 0.000839 0.001 0.001141 0.001269 0.001413 0.001557 0.001737 0.001952 0.002202 42 0.000487 0.000645 0.000929 0.001101 0.001246 0.001374 0.001513 0.001662 0.001836 0.002077 0.002375 43 0.000525 0.000725 0.001013 0.001211 0.001373 0.001511 0.001665 0.001814 0.001998 0.002255 0.002577 44 0.000572 0.00081 0.001114 0.001328 0.001504 0.001664 0.001818 0.001982 0.002176 0.002447 0.002791 45 0.000621 0.00091 0.00122 0.00145 0.001647 0.001822 0.001986 0.002165 0.002379 0.002645 0.003014 46 0.00068 0.001029 0.001328 0.001584 0.001791 0.001987 0.002172 0.002387 0.002565 0.002856 0.003266 47 0.00074 0.001153 0.001447 0.001719 0.001947 0.002174 0.002395 0.002563 0.002777 0.003094 0.003534 48 0.000795 0.001208 0.001508 0.001801 0.002061 0.002309 0.002561 0.00277 0.003035 0.003389 0.003922 49 0.000855 0.001253 0.001569 0.001878 0.002165 0.002439 0.002727 0.002993 0.003316 0.00372 0.004357 50 0.000911 0.001293 0.00162 0.001945 0.002274 0.002574 0.002905 0.003234 0.003634 0.004095 0.00485 51 0.000965 0.001327 0.001664 0.002006 0.002372 0.002709 0.003092 0.003499 0.003983 0.004505 0.005401 52 0.001021 0.00135 0.001694 0.002051 0.00247 0.002849 0.00329 0.003791 0.004368 0.004963 0.006009 53 0.001108 0.001476 0.001851 0.002256 0.002701 0.003128 0.003615 0.004158 0.004787 0.005464 0.006597 54 0.001202 0.001606 0.002024 0.002477 0.002965 0.003434 0.003978 0.004567 0.005237 0.005996 0.007238 55 0.001301 0.001759 0.002209 0.002726 0.003256 0.003777 0.004379 0.005014 0.005714 0.006577 0.007931 56 0.001412 0.001919 0.002424 0.003005 0.003583 0.004167 0.004821 0.005486 0.006232 0.007209 0.008697 57 0.001529 0.002103 0.00266 0.003317 0.003947 0.004584 0.00529 0.005997 0.006788 0.0079 0.009537 58 0.001609 0.002238 0.002936 0.003625 0.00434 0.004912 0.005834 0.006387 0.007213 0.008386 0.010074 59 0.001689 0.002373 0.003245 0.003955 0.004762 0.005252 0.005983 0.006788 0.007651 0.00889 0.010624 60 0.001765 0.00252 0.003584 0.004304 0.005223 0.005603 0.006345 0.007212 0.008109 0.009411 0.011174 61 0.001843 0.002664 0.003939 0.004669 0.005629 0.006213 0.006716 0.007646 0.008568 0.009926 0.011692 62 0.001916 0.002802 0.004328 0.005062 0.006242 0.006346 0.0071 0.008092 0.009033 0.010431 0.012179 63 0.002132 0.003149 0.004749 0.005671 0.006376 0.007133 0.00813 0.009075 0.010659 0.011833 6.013555 64 0.002369 0.003534 0.005205 0.006353 0.007168 0.008169 0.009119 0.010709 0.011888 0.013818 0.015084 65 0.002634 0.003968 0.005715 0.007117 0.008209 0.009163 0.010761 0.011945 0.013682 0.015155 0.017319 66 0.00292 0.004449 0.006285 0.007962 0.009202 0.010807 0.011997 0.013741 0.01522 0.017394 0.016244 67 0.003244 0.004985 0.006869 0.008899 0.010853 0.012048 0.0138 0.015286 0.01747 0.018208 0.020205 68 0.003574 0.005487 0.00756 0.009777 0.011894 0.013187 0.015106 0.016751 0.018287 0.019977 0.022162 69 0.003936 0.00604 0.0083 0.010709 0.013017 0.01444 0.016556 0.018366 0.020063 0.021916 0.024297 70 0.004331 0.006635 0.0091 0.011728 0.014253 0.01582 0.01815 0.02015 0.022011 0.024023 0.026596 71 0.004757 0.00727 0.009962 0.012839 0.015617 0.017346 0.019915 0.022104 0.024126 0.026299 0.029065 72 0.005213 0.007959 0.010906 0.014068 0.017123 0.019032 0.021846 0.024229 0.026413 0.028742 0.031677 73 0.005706 0.008713 0.01195 0.015424 0.018788 0.020878 0.023946 0.026525 0.028866 0.031325 0.034447 74 0.006247 0.009547 0.013102 0.016924 0.02061 0.022884 0.026215 0.028969 0.03146 0.034063 0.037496 75 0.006845 0.010467 0.014376 0.018565 0.022591 0.025053 0.02865 0.031593 0.03421 0.037079 0.040828 76 0.007504 0.011485 0.015769 0.020349 0.024731 0.02738 0.031224 0.034356 0.037239 0.040374 0.044443 77 0.008234 0.012599 0.017286 0.022278 0.027028 0.02984 0.033954 0.037397 0.040548 0.043949 0.048341 78 0.009033 0.01381 0.018923 0.024347 0.029457 0.032449 0.03696 0.04072 0.044137 0.047802 0.052521 79 0.009901 0.015119 0.020681 0.026535 0.032033 0.035321 0.040244 0.044325 0.048009 0.051936 0.05692 80 0.010839 0.016523 0.02254 0.028855 0.034__9 0.036461 0.043806 0.048212 0.05216 0.056286 0.06146 81 0.011846 0.018007 0.02451 0.03141 0.037967 0.041866 0.04765 0.052381 0.056528 0.080776 0.086142 82 0.01291 0.019582 0.02__8 0.0342 0.041328 0.045537 0.05177 0.058768 0.061038 0.065405 0.070964 83 0.01404 0.021316 0.029051 0.037228 0.044952 0.049475 0.056106 0.061296 0.065687 0.070175 0.075929 84 0.015282 0.023209 0.031623 0.040493 0.048839 0.053619 0.060581 0.065966 0.070476 0.075O84 0.081034 85 0.01__4 0.025264 0.034396 0.043995 0.05293 0.057895 0.065196 0.070776 0.075407 0.080132 0.086282 86 0.018113 0.027477 0.037375 0.04768 0.057144 0.062314 0.06995 0.075716 0.080488 0.085321 0.091657 87 0.019702 0.029852 0.040505 0.051483 0.061497 0.066858 0.074843 0.080808 0.0857 0.090849 0.097168 88 0.021405 0.032353 0.043736 0.055404 0.065981 0.071535 0.079876 0.08604 0.091052 0.096117 0.102856 89 0.023198 0.034933 0.047068 0.059444 0.070597 0.076345 0.085048 0.091414 0.098545 0.101725 0.106866 90 0.025048 0.037594 0.0505 0.063603 0.075344 0.081288 0.090359 0.096928 0.102178 0.107473 0.114621 AGE X+11 X+12 X+13 X+14 X+15 X+16 X+17 X+18 X+19 X+20 X+21 --- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- 20 0.000504 0.000513 0.000538 0.000572 0.000618 0.000641 0.00067 0.00071 0.000754 0.000809 0.00088 21 0.000493 0.000513 0.000542 0.000589 0.000644 0.000673 0.000712 0.000757 0.000811 0.000882 0.000968 22 0.000488 0.000513 0.000553 0.00061 0.000676 0.000715 0.00076 0.000814 0.000883 0.00097 0.001072 23 0.000504 0.000534 0.000585 0.000642 0.000718 0.000763 0.000817 0.000887 0.000972 0.001074 0.001196 24 0.00052 0.000561 0.000623 0.000684 0.000766 0.00082 0.00089 0.000976 0.001076 0.001199 0.001335 25 0.000552 0.000598 0.000665 0.000731 0.000823 0.000894 0.00098 0.00108 0.001201 0.001338 0.001496 26 0.000584 0.00064 0.000717 0.000789 0.000896 0.000983 0.001084 0.001205 0.00134 0.001499 0.001677 27 0.000625 0.000692 0.00078 0.000862 0.000985 0.001087 0.001209 0.001345 0.001501 0.001679 0.001868 28 0.000682 0.000755 0.000853 0.000956 0.00109 0.001212 0.001348 0.001506 0.001682 0.001871 0.002079 29 0.000756 0.000838 0.000956 0.001071 0.001214 0.001352 0.00151 0.001686 0.001874 0.002082 0.002302 30 0.00084 0.000959 0.001073 0.00119 0.001355 0.001513 0.001691 0.001879 0.002085 0.002305 0.002543 31 0.000961 0.001075 0.001193 0.001332 0.001517 0.001695 0.001883 0.00209 0.002307 0.002547 0.002812 32 0.001076 0.001194 0.001333 0.001487 0.001697 0.001885 0.002093 0.00231 0.00255 0.002815 0.0031 33 0.00119 0.001334 0.001488 0.001662 0.001887 0.002094 0.002312 0.002552 0.002818 0.003104 0.003415 34 0.001335 0.001479 0.001657 0.001851 0.002096 0.002314 0.002554 0.00282 0.003107 0.003419 0.003755 35 0.001471 0.001641 0.00184 0.002054 0.002315 0.002556 0.002823 0.003109 0.003422 0.003759 0.004136 36 0.001645 0.001822 0.002042 0.002271 0.002557 0.002823 0.00311 0.003422 0.003759 0.004137 0.004549 37 0.001793 0.002013 0.002248 0.002503 0.002818 0.003105 0.003417 0.003754 0.004131 0.004543 0.005006 38 0.00196 0.002211 0.002481 0.002761 0.003101 0.003413 0.003749 0.004126 0.004537 0.005006 0.005531 39 0.002131 0.002423 0.002734 0.003038 0.003409 0.003745 0.004121 0.004537 0.005006 0.005531 0.006117 40 0.002318 0.002655 0.003006 0.00334 0.00374 0.004121 0.004537 0.005006 0.005531 0.006117 0.006776 41 0.00252 0.002908 0.003311 0.00367 0.004121 0.004537 0.005006 0.005531 0.006117 0.006776 0.007496 42 0.002738 0.003183 0.003642 0.004047 0.004537 0.005006 0.005531 0.006117 0.007496 0.007496 0.008268 43 0.002961 0.003432 0.003931 0.004381 0.005006 0.005531 0.006117 0.006776 0.007496 0.008268 0.009111 44 0.003195 0.003706 0.004235 0.004753 0.005531 0.006117 0.006776 0.007496 0.008268 0.009111 0.010032 45 0.003454 0.004002 0.004572 0.005165 0.006117 0.006776 0.007496 0.008268 0.009111 0.010032 0.011046 46 0.003732 0.004324 0.00494 0.005615 0.006776 0.007496 0.008268 0.009111 0.010032 0.011046 0.012167 47 0.00404 0.004676 0.005344 0.006111 0.007496 0.008268 0.009111 0.010032 0.011046 0.012167 0.013402 48 0.004489 0.005151 0.005842 0.006596 0.008268 0.009111 0.010032 0.011046 0.012167 0.013402 0.01476 49 0.00499 0.005682 0.006371 0.007092 0.009111 0.010032 0.011046 0.012167 0.013402 0.01476 0.016241 50 0.00556 0.006255 0.006931 0.00762 0.010032 0.011046 0.012167 0.013402 0.01476 0.016241 0.017841 51 0.006187 0.006869 0.007533 0.008167 0.011046 0.012167 0.013402 0.01476 0.016241 0.017841 0.019549 52 0.00688 0.007536 0.008176 0.008751 0.012167 0.013402 0.01476 0.016241 0.017841 0.019549 0.021401 53 0.007561 0.008202 0.008778 0.009887 0.013402 0.01476 0.016241 0.017841 0.019549 0.021401 0.023428 54 0.008231 0.008807 0.009919 0.011157 0.01476 0.016241 0.017841 0.019549 0.021401 0.023428 0.025671 55 0.008838 0.009953 0.011196 0.012588 0.016241 0.017841 0.019549 0.021401 0.023428 0.025671 0.028146 56 0.009992 0.011237 0.012634 0.014181 0.017841 0.019549 0.021401 0.023428 0.025671 0.028146 0.030882 57 0.011147 0.012683 0.014068 0.015938 0.019549 0.021401 0.023428 0.025671 0.028146 0.030882 0.033676 58 0.011714 0.01334 0.014814 0.016917 0.021401 0.023428 0.025671 0.028146 0.030882 0.033876 0.037132 59 0.012276 0.013977 0.015524 0.017922 0.023428 0.025671 0.028146 6.030882 0.033878 0.037132 0.040651 60 0.012802 0.014568 0.016225 0.018964 0.025671 0.028146 0.030882 0.033876 0.037132 0.040651 0.044427 61 0.013281 0.015127 0.016917 0.020054 0.028146 0.030882 0.033876 0.037132 0.040651 0.044427 0.046419 62 0.013714 0.015662 0.017604 0.021198 0.030882 0.033876 0.037132 0.040651 0.044427 0.048419 0.052653 63 0.015109 0.01727 0.019589 0.023074 0.033876 0.037132 0.040651 0.044427 0.048419 0.052653 0.057314 64 0.017239 0.019051 0.021807 0.026112 0.037132 0.040651 0.044427 0.048419 0.052653 0.057314 0.062407 65 0.018389 0.02103 0.024265 0.0273 0.040651 0.044427 0.048419 0.052653 0.057314 0.062407 0.067932 66 0.020306 0.023205 0.026974 0.029805 0.044427 0.048419 0.052653 0.057314 0.082407 0.067932 0.07389 67 0.022411 0.025586 0.029938 0.032131 0.048419 0.052653 0.057314 0.062407 0.067932 0.07389 0.080279 68 0.024563 0.028011 0.032273 0.03502 0.052653 0.057314 0.062407 0.067932 0.07389 0.080279 0.087002 69 0.026893 0.030612 0.035175 0.038079 0.057314 0.062407 0.067932 0.07389 0.080279 0.087002 0.093942 70 0.029391 0.033365 0.038248 0.041452 0.062407 0.067932 0.07389 0.080279 0.087002 0.093942 0.101098 71 0.032031 0.036282 0.041633 0.045136 0.067932 0.07389 0.080279 0.087002 0.093942 0.101098 0.10647 72 0.034832 0.039494 0.045332 0.049132 0.07389 0.080279 0.087002 0.093942 0.101098 0.10847 0.116058 73 0.037916 0.043003 0.049346 0.053441 0.080279 0.087002 0.093942 0.101098 0.10847 0.116058 0.123862 74 0.041285 0.04681 0.053673 0.058061 0.067002 0.093942 0.101098 0.10847 0.116058 0.123862 0.131862 75 0.04494 0.050916 0.058314 0.062925 0.093942 0.101098 0.10847 0.116058 0.123862 0.131882 0.140119 76 0.048881 0.055318 0.063198 0.067944 0.101098 0.10847 0.116058 0.123882 0.131882 0.140119 0.14857 77 0.053108 0.059951 0.06824 0.073119 0.10847 0.116058 0.123862 0.131862 0.140119 0.14857 0.157239 78 0.057556 0.064733 0.073438 0.078451 0.116058 0.123862 0.131882 0.140119 0.14857 0.157239 0.166123 79 0.062147 0.069665 0.078793 0.083939 0.123862 0.131882 0.140119 0.14857 0.157239 0.166123 0.175224 80 0.066881 0.074744 0.084304 0.089583 0.131882 0.140119 0.14857 0.157239 0.166123 0.175224 81 0.071757 0.079973 0.089973 0.095384 0.140119 0.14857 0.157239 0.166123 0.175224 82 0.076777 0.085351 0.095799 0.101341 0.14857 0.157239 0.166123 0.175224 83 0.08194 0.090877 0.101782 0.107454 0.157239 0.166123 0.175224 84 0.087246 0.096552 0.107922 0.113724 0.166123 0.175224 85 0.092695 0.102377 0.114218 0.120149 0.175224 86 0.0963 0.10835 0.120655 0.126749 87 0.104035 0.114472 0.127265 88 0.109913 0.120743 89 0.115935 90 AGE X+22 X+23 X+24 Ultimate --- -------- -------- -------- -------- 20 0.000966 0.001068 0.001189 0.001327 21 0.00107 0.001191 0.001327 0.001487 22 0.001194 0.00133 0.001487 0.001667 23 0.001333 0.00149 0.001667 0.001858 24 0.001493 0.00167 0.001868 0.002068 25 0.001674 0.001861 0.002068 0.00229 26 0.001865 0.002072 0.00229 0.002531 27 0.002076 0.002294 0.002531 0.002799 28 0.002298 0.002536 0.002799 0.003087 29 0.00254 0.002803 0.003087 0.003401 30 0.002808 0.003092 0.003401 0.00374 31 0.003096 0.003406 0.00374 0.004121 32 0.003411 0.003746 0.004121 0.004537 33 0.003751 0.004127 0.004537 0.005006 34 0.004132 0.004543 0.005006 0.005531 35 0.004548 0.005012 0.005531 0.006117 36 0.005012 0.005531 0.006117 0.006776 37 0.005531 0.006117 0.006776 0.007496 38 0.006117 0.006776 0.007496 0.008268 39 0.006776 0.007496 0.008268 0.009111 40 0.007496 0.008268 0.009111 0.010032 41 0.008268 0.009111 0.010032 0.011046 42 0.009111 0.010032 0.011046 0.012167 43 0.010032 0.011046 0.012167 0.013402 44 0.011046 0.012167 0.013402 0.01476 45 0.012167 0.013402 0.01476 0.016241 46 0.013402 0.01476 0.016241 0.017841 47 0.01476 0.016241 0.017841 0.019549 48 0.016241 0.017841 0.019549 0.021401 49 0.017841 0.019549 0.021401 0.023428 50 0.019549 0.021401 0.023428 0.025671 51 0.021401 0.023428 0.025671 0.028146 52 0.023428 0.025671 0.028146 0.030882 53 0.025671 0.028146 0.030882 0.033876 54 0.028146 0.030882 0.033876 0.037132 55 0.030882 0.033876 0.037132 0.040651 56 0.033876 0.037132 0.040651 0.044427 57 0.037132 0.040651 0.044427 0.048419 58 0.040651 0.044427 0.048419 0.052653 59 0.044427 0.048419 0.052653 0.057314 60 0.048419 0.052653 0.057314 0.062407 61 0.052653 0.057314 0.062407 0.067932 62 0.057314 0.062407 0.067932 0.07389 63 0.062407 0.067932 0.07389 0.080279 64 0.067932 0.07389 0.080279 0.087002 65 0.07389 0.080279 0.087002 0.093942 66 0.080279 0.087002 0.093942 0.101098 67 0.087002 0.093942 0.101098 0.10847 68 0.093942 0.101098 0.10847 0.116058 69 0.101098 0.10847 0.116058 0.123862 70 0.10847 0.116058 0.123862 0.131882 71 0.116058 0,123862 0.131882 0.140119 72 0.123862 0.131882 0.140119 0.14857 73 0.131882 0.140119 0.14857 0.157239 74 0.140119 0.14857 0.157239 0.166123 75 0.14857 0.157239 0.166123 0.175224 76 0.157239 0.166123 0.175224 77 0.166123 0.175824 78 0.175224 79 80 81 82 83 84 85 86 87 88 89 90
(Mortality for females Ages *20years)
AGE X X+1 X+2 X+3 X+4 X+5 X+6 X+7 X+8 X+9 X+10 --- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- 0 0.000614 0.000218 0.000191 0.000165 0.000145 0.000132 0.000119 0.000106 0.000099 0.000099 0.000106 1 0.000224 0.000191 0.000172 0.000152 0.000132 0.000119 0.000106 0.000106 0.000099 0.000106 0.000112 2 0.000185 0.000172 0.000152 0.000139 0.000119 0.000106 0.000106 0.000106 0.000106 0.000119 0.000132 3 0.000158 0.000158 0.000139 0.000125 0.000112 0.000106 0.000106 0.000106 0.000119 0 000132 0.000145 4 0.000145 0.000145 0.000125 0 000112 0.000112 0.000106 0.000112 0.000119 0.000132 0.000152 0.000172 5 0.000132 0.000132 0.000112 0.000112 0.000112 0.000112 0.0O0125 0.000139 0.000152 0.000178 0.000198 6 0.000125 0.000119 0.000112 0.000112 0.000119 0.000125 0.000139 0.000152 0.000178 0.000198 0.000218 7 0.000112 0.000119 0.000112 0.000119 0.000125 0.000145 0.000158 0.000185 0.000205 0.000218 0.000238 8 0.000106 0.000119 0.000119 0.000132 0.000145 0.000158 0.000185 0.000205 0.000224 0.000244 0.000257 9 0.000106 0.000125 0.000132 0.000152 0.000165 0.000191 0.000211 0.000231 0.000244 0.000257 0.000264 10 0.000106 0.000139 0.000152 0.000165 0.000198 0.000218 0.000231 0.000251 0.000264 0.000271 0.000277 11 0.000112 0.000158 0.000172 0.000198 0.000218 0.000238 0.000257 0.000271 0.000277 0.000284 0.000284 12 0.000119 0.000172 0.000205 0.000224 0.000244 0.000264 0.000277 0.000284 0.000284 0.000284 0.00029 13 0.000139 0.000198 0.000224 0.000238 0.000257 0.000271 0.000277 0.000284 0.00029 0.00029 0.00029 14 0.000165 0.000211 0.000238 0.000251 0.000264 0.000271 0.000277 0.000277 0.000297 0.00029 0.00029 15 0.000185 0.000224 0.000244 0.000257 0.000264 0.000271 0.000271 0.000277 0.000297 0.00029 0.00029 16 0.000211 0.000238 0.000244 0.000257 0.000257 0.000257 0.000264 0.000264 0.000297 0.00029 0.00029 17 0.000238 0.000238 0.000244 0.000251 0.000251 0.000251 0.000251 0.000251 0.000297 0.00029 0.00029 18 0.000238 0.000238 0.000244 0.000251 0.000251 0.000251 0.000251 0.000251 0.000284 0.000284 0.00029 19 0.000238 0.000238 0.000244 0.000251 0.000251 0.000251 0.000251 0.000251 0.000284 0.000277 0.000297 AGE X+11 X+12 X+13 X+14 X+15 X+16 X+17 X+18 X+19 X+20 X+21 --- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- 0 0.000112 0.000125 0.000145 0.000165 0.000185 0.000205 0.000224 0.000238 0.000244 0.000251 0.000251 1 0.000132 0.000145 0.000172 0.000191 0.000205 0.000224 0.000238 0.000244 0.000251 0.000257 0.000257 2 0.000145 0.000172 0.000191 0.000211 0.000231 0.000244 0.000251 0.000257 0.000257 0.000264 0.000257 3 0.000172 0.000191 0.000211 0.000231 0.000244 0.000251 0.000257 0.000264 0.000264 0.000264 0.000257 4 0.000191 0.000211 0.000231 0.000244 0.000251 0.000264 0.000264 0.000264 0.000264 0.000264 0.000257 5 0.000218 0.000238 0.000251 0.000257 0.000264 0.000264 0.000271 0.000264 0.000264 0.000264 0.000257 6 0.000238 0.000251 0.000257 0.000264 0.000271 0.000271 0.000271 0.000264 0.000264 0.000264 0.000257 7 0.000251 0.000264 0.000271 0.000271 0.000277 0.000271 0.000271 0.000264 0.000264 0.000264 0.000257 8 0.000264 0.000271 0.000277 0.000277 0.000277 0.000271 0.000271 0.000264 0.000264 0.000264 0.000264 9 0.000277 0.000277 0.000277 0.000277 0.000277 0.000271 0.000271 0.000264 0.000264 0.000264 0.000264 10 0.000277 0.000284 0.000277 0.000277 0.000277 0.000271 0.000271 0.000264 0.000271 0.000271 0.000277 11 0.000284 0.000284 0.000277 0.000277 0.000277 0.000271 0.000271 0.000271 0.000271 0.000277 0.00029 12 0.000284 0.000284 0.000277 0.000277 0.000277 0.000271 0.000277 0.000271 0.000284 0.00029 0.000304 13 0.000284 0.000284 0.000277 0.000277 0.000277 0.000277 0.000277 0.000284 0.000297 0.00031 0.000323 14 0.000284 0.000284 0.000277 0.000277 0.000277 0.000277 0.00029 0.000297 0.00031 0.00033 0.00035 15 0.000284 0.000284 0.000277 0.000284 0.000284 0.00029 0.000304 0.000317 0.00033 0.000356 0.000383 16 0.000284 0.000284 0.000284 0.000284 0.000297 0.000304 0.000317 0.000337 0.000363 0.000383 0.000416 17 0.000284 0.00029 0.00029 0.000297 0.000304 0.000317 0.000337 0.000363 0.000389 0.000422 0.000455 18 0.00029 0.00029 0.000304 0.00031 0.000323 0.000343 0.00037 0.000389 0.000429 0.000462 0.000502 19 0.00029 0.000304 0.00031 0.000323 0.000343 0.00037 0.000396 0.000429 0.000469 0.000508 0.000561 AGE X+22 X+23 X+24 Ultimate --- -------- -------- -------- -------- 0 0.000257 0.000251 0.000251 0.000251 1 0.000257 0.000251 0.000251 0.000251 2 0.000257 0.000251 0.000251 0.000251 3 0.000257 0.000251 0.000251 0.000251 4 0.000257 0.000251 0.000251 0.000251 5 0.000257 0.000251 0.000257 0.000257 6 0.000257 0.000257 0.000257 0.000264 7 0.000264 0.000257 0.000271 0.000277 8 0.000264 0.000271 0.000277 0.00029 9 0.000277 0.000284 0.000297 0.00031 10 0.000284 0.000297 0.000317 0.000337 11 0.000304 0.000317 0.000343 0.000363 12 0.000323 0.000343 0.00037 0.000403 13 0.00035 0.000376 0.000403 0.000442 14 0.000376 0.000409 0.000442 0.000482 15 0.000416 0.000449 0.000488 0.000541 16 0.000455 0.000495 0.000541 0.000601 17 0.000502 0.000548 0.000601 0.00066 18 0.000554 0.000607 0.000667 0.000719 19 0.000614 0.000673 0.000726 0.000779 0.000845 0.000904 0.00097 0.00103 0.001096 0.001188 0.001287 0.001393 0.001511 0.00165 0.001802 0.00196 0.002138 0.00233 0.002541 0.002765 0.002996 0.003247 0.003518 0.003802 0.004118 0.004462 0.004844 0.00526 0.005716 0.00623 0.006824 0.007511 0.008309 0.00924 0.010316 0.01157 0.013002 0.014645 0.016493 0.018546 0.02081 0.023272 0.025945 0.028822 0.031911 0.035198 0.038696 0.042398 0.046312 0.050424 0.054747 0.059275 0.064007 0.06895 0.074098 0.079451 0.085008 0.09077 0.096743 0.10292
* Less than (Mortality for females Ages *20-85years)
X X+1 X+2 X+3 X+4 X+5 X+6 X+7 X+8 X+9 X+10 X+11 --- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- 20 0.000196 0.0002 0.000211 0.000216 0.000226 0.000225 0.000235 0.000239 0.00026 0.00027 0.000296 21 0.00019 0.0002 0.000205 0.000216 0.00022 0.000225 0.000235 0.000239 0.000255 0.000265 0.000312 22 0.000179 0.000189 0.000199 0.00021 0.00022 0.000225 0.000235 0.000245 0.000249 0.00027 0.000329 23 0.000179 0.000189 0.000205 0.000216 0.000226 0.00023 0.000246 0.00025 0.000271 0.000297 0.00035 24 0.000174 0.000189 0.000211 0.000221 0.000231 0.000247 0.000251 0.000272 0.000299 0.000319 0.000377 25 0.000174 0.000195 0.000217 0.000227 0.000242 0.000252 0.000273 0.0003 0.00032 0.000341 0.000415 26 0.000167 0.000195 0.000216 0.000237 0.000252 0.000273 0.0003 0.000321 0.000341 0.000372 0.000451 27 0.000166 0.000194 0.000226 0.000247 0.000274 0.0003 0.000321 0.000342 0.000356 0.000409 0.000499 28 0.000172 0.000198 0.000231 0.000263 0.00029 0.000321 0.000342 0.000357 0.000409 0.000462 0.000551 29 0.000176 0.000204 0.000241 0.000279 0.000311 0.000342 0.000357 0.00041 0.000462 0.00052 0.000614 30 0.000182 0.000214 0.000257 0.000294 0.000336 0.000357 0.00041 0.000462 0.00052 0.000577 0.000688 31 0.000192 0.000224 0.000272 0.000321 0.000358 0.00041 0.000463 0.000521 0.000578 0.000636 0.000772 32 0.000207 0.00024 0.000294 0.000353 0.000411 0.000464 0.000522 0.000579 0.000636 0.000699 0.000861 33 0.000212 0.00025 0.00031 0.000374 0.000442 0.000501 0.000575 0.000637 0.000699 0.000787 0.000939 34 0.000222 0.000267 0.000325 0.0004 0.000474 0.000548 0.000632 0.0007 0.000788 0.00087 0.001016 35 0.000232 0.000275 0.000339 0.000424 0.000508 0.000597 0.000691 0.000785 0.000868 0.000956 0.001091 36 0.000243 0.00029 0.00036 0.000455 0.000555 0.000655 0.00076 0.000864 0.000957 0.001054 0.001173 37 0.000257 0.00031 0.000379 0.000489 0.0006 0.000715 0.000824 0.000934 0.001042 0.00115 0.001252 38 0.000272 0.000341 0.000425 0.000551 0.000666 0.000787 0.000895 0.001009 0.001123 0.001231 0.001337 39 0.000293 0.000382 0.000471 0.000613 0.000733 0.000858 0.000972 0.00109 0.001203 0.001315 0.001427 40 0.000318 0.000423 0.000527 0.000674 0.000798 0.000933 0.001052 0.00117 0.001283 0.0014 0.001527 41 0.000345 0.000471 0.00058 0.000743 0.000872 0.001017 0.001136 0.00126 0001372 0.001504 0.001637 42 0.000371 0.000518 0.000633 0.000811 0.000946 0.001102 0.00122 0.001348 0.001476 0.001614 0.001756 43 0.000403 0.000556 0.000681 0.000859 0.000999 0.001154 0.001283 0.001432 0.001571 0.001724 0.001891 44 0.00043 0.000592 0.000734 0.000901 0.001052 0.001207 0.001357 0.001516 0.001675 0.001849 0.002037 45 0.000456 0.00063 0.000782 0.000944 0.001105 0.00127 0.001431 0.001606 0.00179 0.001989 0.002199 46 0.000484 0.000668 0.000836 0.000982 0.001169 0.00133 0.001511 0.001717 0.001917 0.002143 0.002367 47 0.000511 0.000707 0.00089 0.001032 0.001235 0.001395 0.001607 0.001829 0.00206 0.002301 0.00255 48 0.000533 0.00074 0.000934 0.00108 0.001295 0.001486 0.00172 0.001972 0.002198 0.002454 0.002724 49 0.000562 0.000778 0.000974 0.00113 0.001365 0.001583 0.001843 0.002122 0.002347 0.002623 0.002903 50 0.000589 0.000818 0.001018 0.00119 0.001441 0.001691 0.001971 0.002287 0.002506 0.002792 0.003087 51 0.000617 0.000856 0.001073 0.001251 0.001517 0.001799 0.00211 0.002462 0.002671 0.002967 0.003277 52 0.000645 0.0009 0.001122 0.001316 0.001599 0.001912 0.00226 0.002649 0.002835 0.003147 0.003466 53 0.000678 0.000944 0.001187 0.001414 0.001718 0.002052 0.002416 0.002814 0.003032 0.003358 0.003683 54 0.000711 0.000994 0.001259 0.001516 0.001847 0.002203 0.002577 0.00298 0.003234 0.00357 0.003914 55 0.000745 0.001039 0.00133 0.001631 0.001982 0.002354 0.002743 0.003152 0.003447 0.003803 0.004162 56 0.000785 0.001089 0.001408 0.001752 0.00212 0.002511 0.002917 0.003325 0.003672 0.004048 0.004427 57 0.000819 0.001141 0.001486 0.001874 0.002268 0.002676 0.003091 0.003504 0.003913 0.004315 0.004713 58 0.000887 0.001241 0.001614 0.002022 0.002433 0.002851 0.003287 0.003726 0.004161 0.004583 0.005116 59 0.000954 0.001346 0.001753 0.002177 0.002604 0.003043 0.003501 0.003959 0.00442 0.004872 0.005561 60 0.001027 0.001459 0.001897 0.002343 0.002786 0.003246 0.003724 0.004215 0.004706 0.005183 0.006065 61 0.0011 0.00158 0.002046 0.002518 0.002982 0.003458 0.003961 0.004483 0.005005 0.005522 0.006639 62 0.001177 0.001701 0.00221 0.00271 0.003194 0.00369 0.00422 0.004772 0.005335 0.005904 0.007303 63 0.001244 0.001785 0.002315 0.002836 0.003347 0.003875 0.004436 0.005052 0.005698 0.006392 0.007905 64 0.001316 0.001874 0.002425 0.002968 0.003505 0.004066 0.00468 0.005363 0.006114 0.006954 0.008591 65 0.001389 0.001963 0.002536 0.003106 0.00367 0.004273 0.004944 0.005712 0.006595 0.007596 0.009377 66 0.001466 0.002055 0.002656 0.003247 0.003843 0.004498 0.005244 0.006112 0.007136 0.008335 0.010261 67 0.001548 0.002153 0.002776 0.003399 0.004037 0.004756 0.005581 0.006564 0.007751 0.009175 0.011254 68 0.001679 0.002339 0.003026 0.003724 0.004442 0.005261 0.006207 0.007331 0.00869 0.010316 0.012554 69 0.001828 0.002553 0.003315 0.004097 0.004917 0.005853 0.00693 0.008216 0.009767 0.011616 0.01401 70 0.001993 0.002793 0.003647 0.004531 0.005467 0.006535 0.007769 0.009239 0.010998 0.013084 0.015756 71 0.002182 0.003074 0.004034 0.005038 0.006105 0.007325 0.008734 0.010405 0.012385 0.014713 0.017676 72 0.002401 0.003401 0.004486 0.005627 0.006844 0.008234 0.009836 0.011718 0.013927 0.016506 0.019772 73 0.002656 0.003781 0.005009 0.006307 0.007694 0.009274 0.011077 0.013178 0.015625 0.018463 0.022042 74 0.002953 0.004222 0.005616 0.007089 0.008665 0.010444 0.012457 0.014783 0.017477 0.020583 0.024488 75 0.003298 0.004733 0.006312 0.007985 0.009758 0.011745 0.013975 0.016536 0.019484 0.022867 0.027109 76 0.003697 0.005321 0.007109 0.008992 0.010974 0.013176 0.015632 0.018435 0.021645 0.025314 0.029904 77 0.004156 0.005992 0.008007 0.010112 0.012311 0.014738 0.017427 0.02048 0.023962 0.027925 0.032875 78 0.004681 0.006748 0.009003 0.011344 0.01377 0.01643 0.019361 0.022672 0.026433 0.030699 0.036022 79 0.005271 0.007589 0.0101 0.012689 0.015352 0.018253 0.021433 0.02501 0.02906 0.033637 0.039343 80 0.005928 0.008514 0.011298 0.014146 0.017055 0.020207 0.023643 0.027495 0.031841 0.036738 0.042839 81 0.006651 0.009523 0.012595 0.015716 0.01888 0.022291 0.025992 0.030126 0.034776 0.040003 0.046511 82 0.007439 0.010616 0.013993 0.017398 0.020828 0.024505 0.02848 0.032904 0.037867 0.043432 0.050358 83 0.008293 0.011795 0.015491 0.019192 0.022897 0.02685 0.031105 0.035828 0.041112 0.047024 0.054379 84 0.009213 0.013057 0.017088 0.021099 0.025088 0.029326 0.03387 0.038899 0.044512 0.050779 0.058577 85 0.010199 0.014403 0.018786 0.023118 0.027401 0.031932 0.036773 0.042116 0.048068 0.054699 0.062949 86 0.011251 0.015832 0.020587 0.02525 0.029832 0.034674 0.039814 0.045473 0.051784 0.058781 0.067487 87 0.012368 0.017347 0.022485 0.027494 0.032389 0.037541 0.042994 0.048983 0.05565 0.063027 0.072208 88 0.013552 0.018947 0.024483 0.02985 0.035068 0.04054 0.046312 0.052639 0.05967 0.067437 0.077105 89 0.014802 0.02063 0.026581 0.032319 0.037868 0.043668 0.049769 0.056441 0.063844 0.07201 0.082177 90 0.016117 0.022398 0.02878 0.0349 0.040791 0.046928 0.053364 0.06039 0.068174 0.076747 0.087424 X X+12 X+13 X+14 X+15 X+16 X+17 X+18 X+19 X+20 X+21 X+22 --- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- -------- 20 0.000311 0.000326 0.000346 0.000371 0.000407 0.000442 0.000488 0.000538 0.000598 0.00067 0.000751 21 0.000327 0.000347 0.000372 0.000408 0.000443 0.000489 0.00054 0.0006 0.000671 0.000752 0.000838 22 0.000349 0.000374 0.00041 0.000445 0.000491 0.000542 0.000603 0.000673 0.000754 0.00084 0.000927 23 0.000375 0.000412 0.000447 0.000493 0.000544 0.000605 0.000676 0.000757 0.000842 0.000929 0.001015 24 0.000413 0.000448 0.000495 0.000546 0.000607 0.000679 0.00076 0.000845 0.000931 0001017 0.001108 25 0.00045 0.000497 0.000548 0.00081 0.000681 0.000763 0.000848 0.000934 0.001019 0.00111 0.001206 26 0.000498 0.00055 0.000611 0.000683 0.000765 0.000851 0.000937 0.001022 0.001112 0.001209 0.001304 27 0.000551 0.000613 0.000685 0.000767 0.000853 0.00094 0.001025 0.001115 0.00121 0.001306 0.001407 28 0.000614 0.000686 0.000768 0.000855 0.000942 0.001028 0.001118 0.001214 0.001308 0.001409 0.001516 29 0.000687 0.00077 0.000857 0.000944 0.00103 0.001121 0.001217 0.001312 0.001411 0.001518 0.00164 30 0.000771 0.000858 0.000946 0.001032 0.001123 0.00122 0.001315 0.001415 0.00152 0.001642 0.001774 31 0.00086 0.000948 0.001034 0.001126 0.001223 0.001318 0.001419 0.001524 0.001644 0.001776 0.001918 32 0.000949 0.001035 0.001127 0.001224 0.00132 0.00142 0.001526 0.001646 0.001778 0.00192 0.002088 33 0.001026 0.001118 0.001225 0.001321 0.001421 0.001527 0.001647 0.00178 0001922 0.00209 0.002273 34 0.001108 0.00121 0.001317 0.001422 0.001528 0.001648 0.001781 0.001924 0.002092 0.002275 0.002479 35 0.001193 0.001289 0.001417 0.001522 0.001649 0.001782 0.001925 0.002094 0.002277 0.002481 0.002701 36 0.00129 0.001382 0.001525 0.001646 0.001783 0.001926 0.002094 0.002278 0.002482 0.002701 0.00294 37 0.001359 0.001471 0.00164 0.001776 0.001923 0.002091 0.002274 0.002478 0.002697 0.002936 0.0032 38 0.001449 0.001571 0.001754 0.001896 0.002088 0.002271 0.002475 0.002694 0.002932 0.0032 0.003488 39 0.001549 0.001676 0.001874 0.002036 0.002269 0.002472 0.002691 0.002932 0.0032 0.003488 0.003792 40 0.001654 0.00179 0.00202 0.002191 0.002469 0.002691 0.002932 0.0032 0.003488 0.003792 0.004116 41 0.001773 0.001925 0.002185 0.002361 0.002691 0.002932 0.0032 0.003488 0.003792 0.004116 0.004461 42 0.001914 0.002076 0.002361 0.002546 0.002932 0.0032 0.003488 0.003792 0.004116 0.004461 0.004825 43 0.002064 0.002246 0.002551 0.002768 0.0032 0.003488 0.003792 0.004116 0.004461 0.004825 0.005222 44 0.00223 0.002428 0.002774 0.003016 0.003488 0.003792 0.004116 0.004461 0.004825 0.005222 0.005654 45 0.002407 0.002625 0.003012 0.003279 0.003792 0.004116 0.004461 0.004825 0.005222 0.005654 0.006127 46 0.0026 0.002843 0.003265 0.003553 0.004116 0.004461 0.004825 0.005222 0.005654 0.006127 0.006647 47 0.002809 0.003077 0.003535 0.003847 0.004461 0.004825 0.005222 0.005654 0.006127 0.006647 0.007218 48 0.002998 0.003271 0.003749 0.004064 0.004825 0.005222 0.005654 0.006127 0.006647 0.007218 0.007846 49 0.003187 0.003474 0.003967 0.004281 0.005222 0.005654 0.006127 0.006647 0.007218 0.007846 0.006556 50 0.003381 0.003678 0.004185 0.004514 0.005654 0.006127 0.006647 0.007218 0.007846 0.008556 0.009368 51 0.00358 0.003886 0.004414 0.004752 0.006127 0.006647 0.007218 0.007846 0.008556 0.009368 0.010309 52 0.003785 0.004106 0.004657 0.005005 0.006647 0.007218 0.007846 0.008556 0.009368 0.010309 0.011406 53 0.004036 0.004398 0.00501 0.005418 0.007218 0.007846 0.008556 0.009368 0.010309 0.011406 0.012681 54 0.004303 0.004711 0.0054 0.005868 0.007846 0.008556 0.009368 0.010309 0.011406 0.012681 0.014163 55 0.004592 0.005049 0.00582 0.006364 0.008556 0.009368 0.010309 0.011406 0.012681 0.014163 0.015876 56 0.004902 0.005421 0.006283 0.006923 0.009368 0.010309 0.011406 0.012681 0.014163 0.015876 0.017846 57 0.005239 0.005824 0.006804 0.007564 0.010309 0.011406 0.012681 0.014163 0.015876 0.017846 0.0201 58 0.005671 0.006301 0.00735 0.00818 0.011406 0.012681 0.014163 0.015876 0.017846 0.0201 0.022635 59 0.006162 0.00684 0.007985 0.008889 0.012681 0.014163 0.015876 0.017846 0.0201 0.022635 0.025454 60 0.00672 0.007464 0.008714 0.009701 0.014163 0.015876 0.017846 0.0201 0.022635 0.025454 0.028557 61 0.007365 0.008178 0.009556 0.010637 0.015876 0.017846 0.0201 0.022635 0.025454 0.028557 0.031942 62 0.00811 0.009014 0.010522 0.011697 0.017846 0.0201 0.022635 0.025454 0.028557 0.031942 0.03561 63 0.008792 0.009792 0.011457 0.012778 0.0201 0.022635 0.025454 0.028557 0.031942 0.03561 0.03956 64 0.009569 0.01067 0.012502 0.013977 0.022635 0.025454 0.028557 0.031942 0.03561 0.03956 0.043795 65 0.010441 0.011646 0.01365 0.01527 0.025454 0.028557 0.031942 0.03561 0.03956 0.043795 0.048312 66 0.011421 0.012726 0.014891 0.016639 0.028557 0.031942 0.03561 0.03956 0.043795 Q.048312 0.053111 67 0.012499 0.013888 0.016199 0.018075 0.031942 0.03561 0.03956 0.043795 0.048312 0.053111 0.058193 68 0.013949 0.015619 0.018156 0.02022 0.03561 0.03956 0.043795 0.048312 0.053111 0.058193 0.06356 69 0.015688 0.017522 0.02031 0.02254 0.03956 0.043795 0.048312 0.053111 0.058193 0.06356 0.069208 70 0.017599 0.019597 0.02264 0.025041 0.043795 0.048312 0.053111 0.058193 0.06356 0.069208 0.075139 71 0.019685 0.021847 0.025152 0.027721 0.048312 0.053111 0.058193 0.06356 0.069208 0.075139 0.081354 72 0.021945 0.024271 0.027844 0.03058 0.053111 0.058193 0.06356 0.069208 0.075139 0.081354 0.087851 73 0.02438 0.026868 0.030715 0.033618 0.058193 0.06356 0.069208 0.075139 0.081354 0.087851 0.094632 74 0.026989 0.029639 0.033767 0.036835 0.06356 0.069208 0.075139 0.081354 0.087851 0.094632 0.101694 75 0.029773 0.032584 0.036998 0.040232 0.069208 0.075139 0.081354 0.087851 0.094632 0.101694 0.109041 76 0.032731 0.035702 0.04041 0.043807 0.075139 0.081354 0.087851 0.094632 0.101694 0.109041 0.11667 77 0.035863 0.038994 0.044001 0.047561 0.081354 0.087851 0.094632 0.101694 0.109041 0.11667 0.124582 78 0.03917 0.04246 0.047772 0.051495 0.087851 0.094632 0.101694 0.109041 0.11667 0.124582 0.132777 79 0.042651 0.046099 0.051723 0.055608 0.094632 0.101694 0.109041 0.11667 0.124582 0.132777 0.141255 80 0.046306 0.049911 0.055854 0.0599 0.101694 0.109041 0.11667 0.124582 0.132777 0.141255 81 0.050137 0.053898 0.060165 0.06437 0.109041 0.11667 0.124582 0.132777 0.141255 82 0.05414 0.058057 0.064656 0.069021 0.11667 0.124582 0.132777 0.141255 83 0.058319 0.062391 0.069326 0.073849 0.124582 0.132777 0.141255 84 0.062672 0.066897 0.074177 0.078858 0.132777 0.141255 85 0.067199 0.071579 0.079207 0.084045 0.141255 86 0.071911 0.076432 0.084406 0.089424 87 0.076788 0.08146 0.089795 88 0.081839 0.086661 89 0.087064 90 X X+23 X+24 X+25 Ultimate --- -------- -------- -------- -------- 20 0.000837 0.000923 0.001008 0.001101 21 0.000925 0.00101 0.001101 0.001199 22 0.001012 0.001103 0.001199 0.001296 23 0.001105 0.001202 0.001296 0.001399 24 0.001204 0.001299 0.001399 0.001508 25 0.001302 0.001402 0.001508 0.001631 26 0.001405 0.001511 0.001631 0.001765 27 0.001513 0.001634 0.001765 0.001909 28 0.001637 0.001768 0.001909 0.002078 29 0.001771 0.001912 0.002078 0.002264 30 0.001915 0.002082 0.002264 0.002469 31 0.002085 0.002267 0.002469 0.002691 32 0.00227 0.002473 0.002691 0.002932 33 0.002476 0.002695 0.002932 0.0032 34 0.002698 0.002936 0.0032 0.003488 35 0.00294 0.003204 0.003488 0.003792 36 0.003204 0.003488 0.003792 0.004116 37 0.003488 0.003792 0.004116 0.004461 38 0.003792 0.004116 0.004461 0.004825 39 0.004116 0.004461 0.004825 0.005222 40 0.004461 0.004825 0.005222 0.005654 41 0.004825 0.005222 0.005654 0.006127 42 0.005222 0.005654 0.006127 0.006647 43 0.005654 0.006127 0.006647 0.007218 44 0.006127 0.006647 0.007218 0.007846 45 0.006647 0.007218 0.007846 0.008556 46 0.007218 0.007846 0.008556 0.009368 47 0.007846 0.008556 0.009368 0.010309 48 0.008556 0.009368 0.010309 0.011406 49 0.009368 0.010309 0.011406 0.012681 50 0.010309 0.011406 0.012681 0.014163 51 0.011406 0.012681 0.014163 0.015876 52 0.012681 0.014163 0.015876 0.017846 53 0.014163 0.015876 0.017846 0.0201 54 0.015876 0.017846 0.0201 0.022635 55 0.017846 0.0201 0.022635 0.025454 56 0.0201 0.022635 0.025454 0.028557 57 0.022635 0.025454 0.028557 0.031942 58 0.025454 0.028557 0.031942 0.03561 59 0.028557 0.031942 0.03561 0.03956 60 0.031942 0.03561 0.03956 0.043795 61 0.03561 0.03956 0.043795 0.048312 62 0.03956 0.043795 0.048312 0.053111 63 0.043795 0.048312 0.053111 0.058193 64 0.048312 0.053111 0.058193 0.06356 65 0.053111 0.058193 0.06356 0.069208 66 0.058193 0.06356 0.069208 0.075139 67 0.06356 0.069208 0.075139 0.081354 68 0.069208 0.075139 0.081354 0.087851 69 0.075139 0.081354 0.087851 0.094632 70 0.081354 0.087851 0.094632 0.101694 71 0.087851 0.094632 0.101694 0.109041 72 0.094632 0.101694 0.109041 0.11667 73 0.101694 0.109041 0.11667 0.124582 74 0.109041 0.11667 0.124582 0.132777 75 0.11667 0.124582 0.132777 0.141255 76 0.124582 0.132777 0.141255 77 0.132777 0.141255 78 0.141255 79 80 81 82 83 84 85 86 87 88 89 90
* Less than Exhibit D The Company's Retention Limits Issue Age Retention Limit --------- --------------- 0 - 75 1,000,000 76 - 90 100,000 It is understood that the amount retained by the company includes its retention under any inforce policies Constant Risk Retention The Company will retain a constant amount of the net amount at risk on a policy. Any change in the net amount at risk due to changes in the cash value applicable to the policy will be allocated to the reinsurers. Exhibit E The Automatic Acceptance Limits The Reinsurer will automatically accept 25% of the excess over the Company's Retention up to the following limits on a per life basis: Issue Age Automatic Limit --------- --------------- 0 - 75 20,000,000 76 - 90 2,000,000 Jumbo Limit Ages ---- 0-75 $30,000,000 76-85 5,000,000 Exhibit F Reinsurance Reports Remittance Reporting: The Company will self-administer reinsurance transactions. During each accounting period, the Company will report to the Reinsurer all first year and renewal premiums which became due during the previous accounting period. Also included in the report will be any adjustments made necessary by changes in reinsurance effective during a previous accounting period. The Company will take credit, without interest, for any unearned premiums arising due to reductions, cancellations or death claims. The unearned premiums refunded will be net of allowances. The Company will pay the balance of arrears of premiums due under a reinstated Reinsured Policy. The balance due, as calculated above, will then become payable. If the balance so calculated is due to the Reinsurer, the Company will forward a remittance in settlement with the report. If the balance is due to the Company, the Reinsurer will forward a remittance in settlement within fifteen (15) days of receipt of the report. Report Requirements: The Company will send to the Reinsurer reports, as per the Examples Referenced, by the times indicated below:
Report Frequency Due Date Example Reference ------ --------- -------- ----------------- 1. Policy Detail Reports Monthly 21st day (Reinsurance Ceded) after month end 2. Policy Detail Report- Monthly 21st day Totals (Summary Report) after month end 3. Accounting & Policy Monthly 21st day Exhibit (Movement after month end Summary) (First Year and Renewal Premiums) 4. Quarterly Valuation Quarterly 10th day Exhibit F, p. 3 Reserve after quarter end (Any estimated figures provided should be confirmed by actual reserve figures)
Exhibit F Page 2 5. Valuation Reserve Annually Jan 10th Exhibit F, p. 3 Certification (The amount of reserves calculated on the Reinsured Policies in force as of December 31st of the preceding year must be certified by the Company's valuation actuary. The valuation method must be indicated.) 6. Tax Reserve Certification Annually June 1st Exhibit F, p. 5
Reporting System: The format and code structure of the data to be reported on Reinsured Policies will be mutually agreed by the Reinsurer and the Company. The Company will inform the Reinsurer of any change in the reporting format or data prior to use in reports to the Reinsurer. Notification of Acceptance of Facultative Offer: The Company will advise the Reinsurer of its acceptance of the Reinsurer's underwriting decision pertaining to facultative business by sending written notice to the Reinsurer. The Company will provide the full details of the facultative new business on the next Policy Detail Report. Errors And Omissions: Should any items be inadvertently omitted from or entered in error on a reinsurance report, such omissions or errors will not affect the liability of the Reinsurer in regard to any Reinsured Policy. The mistakes will be rectified upon discovery. This does not waive any rights outlined in Article 10. Additional Information: The Company will provide the Reinsurer upon request, with any additional information related to the Reinsured Policies and which the Reinsurer requires in order to complete its financial statements. Exhibit F Page 3 Valuation Reserve for Self-Administered Business Ceded to Swiss Re Life And Health America Inc. from GE Life and Annuity Assurance Company Inforce and Reserves at 19xx: ------------- ------------- Plan: Type: SM/NSM/AGGR/TOTAL ------------------------------- Inforce Reinsured Amount: ----------- Inforce Number of Policies: --------- Valuation Reserve as at 19xx: ------------- -------------
Reserve Basis Reserve (Table, interest Type Amount ($) rate and method) ---- ---------- ----------------- Active Life Reserve Unearned Premium Reserve Disabled Life Reserve Liability for Incurred But Not Reported Claims (IBNR) Liability for Due and Unpaid Claims Liability for claims in Course of Settlement Other** (specify) Total
**If credit for deficiency reserves is being taken, please specify under "other". As the valuation actuary of the above named company I certify that the information above is correct as shown. * Name: ------------------------------- Signature: -------------------------- Actuarial Designation: -------------- Title: ------------------------------ Date: ------------------------------- *Required only for Year End Valuation Reserves. Exhibit F Page 4 Tax Reserve Certification for Self-Administered Business Ceded to Swiss Re Life And Health America Inc. from GE Life and Annuity Assurance Company Inforce and Reserves at December 31, 19xx: ------------- Plan: Type: SM/NSM/AGGR/TOTAL ------------------------------- Inforce Reinsured Amount: ----------- Inforce Number of Policies: --------- Tax Reserve as at December 31, 19xx: -------------
Reserve Basis Reserve (Table, interest Type Amount ($) rate and method) ---- ---------- ----------------- Active Life Reserve Unearned Premium Reserve Disabled Life Reserve Liability for Incurred But Not Reported Claims (IBNR) Liability for Due and Unpaid Claims Liability for Claims in Course of Settlement Other** (specify) Total
**If credit for deficiency reserves is being taken, please specify under "other". As the valuation actuary of the above named company I certify that the information above is correct as shown. Name: ------------------------------- Signature: -------------------------- Actuarial Designation: -------------- Title: ------------------------------ Date: ------------------------------- Exhibit G DAC Tax Election Method Of Exchanging Information The Reinsurer and the Company agree to the DAC Tax Election and accordingly will exchange information in the following manner: 1. The Reinsurer will submit a Schedule to the Company by May 1 of each year, of its calculation of the net consideration (as referred to in Article 12) for the preceding calendar year. 2. The Company, in turn, will complete the Schedule by indicating acceptance of the Reinsurer's calculations of the net consideration or by noting any discrepancies. The Company will return the completed Schedule to the Reinsurer by June 1 of each year. 3. If there are any discrepancies between the Company's and the Reinsurer's calculation of the net consideration, the parties will act in good faith to resolve the discrepancies by July 1 of each year. This Amendment is made as of January 1, 2001 between GE Life and Annuity Assurance Company (hereinafter referred to as "the Company") and Swiss Re Life and Health America Inc. (hereinafter referred to as "the Reinsurer") and is applicable to the following Agreements: NA2815-82, Automatic Coinsurance Agreement, Effective June 1, 1982 NA2990-82, Automatic YRT Agreement, Effective March 1, 1982 NA3273-84, Automatic Coinsurance Agreement, Effective June 1, 1984 SBA004-92, Automatic YRT Agreement, Effective February 1, 1992 6948-1, Automatic YRT Agreement, Effective November 1, 2000 It is hereby agreed that effective January 1, 2001, the Automatic Binding Limits for the reinsurance pool shall be thirty times the Company's retention, not to exceed the maximums listed below: Ages All Ratings ---- ----------- 0 - 75 $30,000,000 76 - 89 $ 3,000,000 All other terms and conditions in the Agreements remain unaltered. Made in duplicate and executed by both parties. Signed for and on behalf of GE Life and Annuity Assurance Company By: /s/ Illegible By: /s/ Illegible --------------------------------- ------------------------------------ Title: Sr VP Title: VP Date: October __, 2001 Place: Richmond VR Signed for and on behalf of Swiss Re Life & Health America Inc. By: /s/ Illegible By: /s/ Illegible --------------------------------- ------------------------------------ Title: Vice President Title: ______ VP Date: September 17, 2001 Place: Stanford, CT