Company Name:
Insurance Risk Quantitative Impact Study Summary Page 10.000
(Based on 2010 Year End Data)
($'000's )
Solvency Buffers for Insurance Risk (from attached worksheets) 001 002
Total Mortality Risk A 0 001
Level 0 002
Trend 0 003
Volatility 0 004
Catastrophe 0 005
Minimum death benefit guarantee for risk pass-through products
MCCSR Page 35.010 Line 029 Column 03 0 006
Total Longevity Risk B 0 010
Level and Volatility 0 011
Trend n/a 012
Catastrophe n/a 013
Total Mortality and Longevity Risk Offsets C 0 015
Under attained age 55 0 016
Over attained age 55 0 017
Total Morbidity Risk D 0 018
Level and Trend 0 019
Volatility 0 020
Catastrophe 0 021
Total Lapse Risk E 0 022
Total Expense Risk F 0 027
Level and Trend 0 028
Volatility and Catastrophe 0 029
Total Insurance Risk Solvency Buffers A+B-C+D+E+F 0 030
Summary Page 1 of 247
Required Capital under 2010 MCCSR Rules (Please fill in all unshaded areas)
Mortality Risk G 0 040
Basic Death - Volatility 0 041
Individual (See Instructions Page 1 for Par Adjustments) 042
Group (MCCSR 55.010 002 01) 043
Basic Death - Catastrophe
Individual
Par (MCCSR 55.020 column 08, sum of rows 001 - 130) x2 0 044
Non-Par (MCCSR 55.020 column 08, sum of rows 003-160) 045
Group
Par (MCCSR 55.020 column 08, sum of rows 011 - 230) x2 0 047
Non-Par (MCCSR 55.020 column 08, sum of rows 015 - 260) 048
AD&D - Volatility 0 050
Individual (See Instructions Page 1 for Par Adjustments) 051
Group (MCCSR 55.010 011 01) 052
AD&D - Catastrophe
Individual
Par (MCCSR 55.020 column 08; sum of rows 021 - 330) x2 0 054
Non-Par (MCCSR 55.020 column 08; sum of rows 027 - 360) 055
Group
Par (MCCSR 55.020 column 08; sum of rows 041 - 430) x2 0 057
Non-Par (MCCSR 55.020 column 08; sum of rows 047 - 460) 058
Less credit for reinsurance & special policyholder arrangements (MCCSR
55.010 column 03, sum of rows 033-030) 061
Capital Required for Annuities involving Life Contingencies less credit for
excess deposits placed by unregistered reinsurers (MCCSR 55.010 072 03) 062
Minimum death benefit guarantee for risk pass-through products (MCCSR
35.010 029 03) 063
Morbidity Risk (MCCSR 20.005 052 01) H 0 070
Total New Claims Risk (MCCSR 60.010 069 06) 071
Total Continuing Claims Risk (MCCSR 60.020 069 06) 072
Morbidity Risk Component before Statistical Fluctuation Adjustment
(MCCSR 60.020 06 079) 073
Statistical Fluctuation Adjustment Factor (MCCSR 60.020 080 06) 074
Morbidity Risk Component after Statistical Fluctuation Adjustment
(MCCSR 60.020 06 110) 075
Less credit for reinsurance & special policyholder arrangements (MCCSR
60.020 column 06, sum of rows 081-085) 076
Lapse Risk I 0 080
Individual Life
Par (MCCSR 65.020 011 03) x2 0 081
Non-Par (MCCSR 65.020 012 03) 082
Individual Health
Par (MCCSR 65.020 013 03) x2 0 083
Non-Par (MCCSR 65.020 014 03) 084
Less credit for excess deposits placed by unregistered reinsurers (MCCSR
65.020 015 03) 085
Total Insurance Risk Required Capital under 2010 MCCSR Rules J = G+H+I 0 090
Summary Page 2 of 247
Total PfADs for Insurance Risk by Risk K 0 091
Total Par 0 092
Total Non-Par 0 093
Mortality 0 094
Par 095
Non-Par 096
Longevity 0 097
Par 098
Non-Par 099
Morbidity 0 100
Par 101
Non-Par 102
Lapse 0 103
Par 104
Non-Par 105
Expense 0 106
Par 107
Non-Par 108
Total Insurance Risk Requirements and PfADs J+K 0 110
Par Adjustment for Mortality Risk 0 116
Capital Required as filed in the MCCSR (Page 55.010 Line 099 Column 03) 117
Capital Required as adjusted for Par (Line 040 Column 02 above) 0 118
Par Adjustment for Lapse Risk 0 119
Total Participating Adjustments reported in MCCSR above 0 120
Summary Page 3 of 247
Insurance Risk Quantitative Impact Study Additional Information
Colour Coding Legend
The tabs in this worksheet have been colour coded as follows
Summary Page, Comments & Questions
Best Estimate Cash Flows
Interest & Discount Rates
Risk Shocks
Summaries of Risk Solvency Buffers & Offset Calculation
Formulas
All grey shaded cells throughout the worksheets are embedded with
formulas and should not be filled. Please fill only the unshaded areas. The
grey shaded cells with formulas are locked (to be completed).
Additional Information
Best Estimate Liability Cash Flows Page 20.000
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008 009 010 011 012 013 014
Canada USA
Total Best Total Liability Total Best Total Liability
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Insurance and Cash Flows with Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Insurance and Cash Flows with
1 1
Products Products Products Products Cash Flows Other PfADs PfADs Products Products Products Products Cash Flows Other PfADs PfADs
Year 1 0 0 0 0
Year 2 0 0 0 0
Year 3 0 0 0 0
Year 4 0 0 0 0
Year 5 0 0 0 0
Year 6 0 0 0 0
Year 7 0 0 0 0
Year 8 0 0 0 0
Year 9 0 0 0 0
Year 10 0 0 0 0
Year 11 0 0 0 0
Year 12 0 0 0 0
Year 13 0 0 0 0
Year 14 0 0 0 0
Year 15 0 0 0 0
Year 16 0 0 0 0
Year 17 0 0 0 0
Year 18 0 0 0 0
Year 19 0 0 0 0
Year 20 0 0 0 0
Year 21 0 0 0 0
Year 22 0 0 0 0
Year 23 0 0 0 0
Year 24 0 0 0 0
Year 25 0 0 0 0
Year 26 0 0 0 0
Year 27 0 0 0 0
Year 28 0 0 0 0
Year 29 0 0 0 0
Year 30 0 0 0 0
Year 31 0 0 0 0
Year 32 0 0 0 0
Year 33 0 0 0 0
Year 34 0 0 0 0
Year 35 0 0 0 0
Year 36 0 0 0 0
Year 37 0 0 0 0
Year 38 0 0 0 0
Year 39 0 0 0 0
Year 40 0 0 0 0
Year 41 0 0 0 0
Year 42 0 0 0 0
Year 43 0 0 0 0
Year 44 0 0 0 0
Year 45 0 0 0 0
Year 46 0 0 0 0
Year 47 0 0 0 0
Year 48 0 0 0 0
Year 49 0 0 0 0
Year 50 0 0 0 0
BELCF Page 5 of 247
Best Estimate Liability Cash Flows Page 20.000
($'000's )
Year 51 0 0 0 0
Year 52 0 0 0 0
Year 53 0 0 0 0
Year 54 0 0 0 0
Year 55 0 0 0 0
Year 56 0 0 0 0
Year 57 0 0 0 0
Year 58 0 0 0 0
Year 59 0 0 0 0
Year 60 0 0 0 0
Year 61 0 0 0 0
Year 62 0 0 0 0
Year 63 0 0 0 0
Year 64 0 0 0 0
Year 65 0 0 0 0
Year 66 0 0 0 0
Year 67 0 0 0 0
Year 68 0 0 0 0
Year 69 0 0 0 0
Year 70 0 0 0 0
Year 71 0 0 0 0
Year 72 0 0 0 0
Year 73 0 0 0 0
Year 74 0 0 0 0
Year 75 0 0 0 0
Year 76 0 0 0 0
Year 77 0 0 0 0
Year 78 0 0 0 0
Year 79 0 0 0 0
Year 80 0 0 0 0
Year 81 0 0 0 0
Year 82 0 0 0 0
Year 83 0 0 0 0
Year 84 0 0 0 0
Year 85 0 0 0 0
Year 86 0 0 0 0
Year 87 0 0 0 0
Year 88 0 0 0 0
Year 89 0 0 0 0
Year 90 0 0 0 0
Year 91 0 0 0 0
Year 92 0 0 0 0
Year 93 0 0 0 0
Year 94 0 0 0 0
Year 95 0 0 0 0
Year 96 0 0 0 0
Year 97 0 0 0 0
Year 98 0 0 0 0
Year 99 0 0 0 0
Year 100 &
beyond 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total
Liability CFs
as per
Market Risk
BELCF Page 6 of 247
Best Estimate Liability Cash Flows Page 20.000
($'000's )
Canada - Present Values of Cash Flows USA - Present Values of Cash Flows
Total Best Total Liability Total Best Total Liability
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Insurance and Cash Flows with Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Insurance and Cash Flows with
1 1
Products Products Products Products Cash Flows Other PfADs PfADs Products Products Products Products Cash Flows Other PfADs PfADs
Year 1 0 0 0 0
Year 2 0 0 0 0
Year 3 0 0 0 0
Year 4 0 0 0 0
Year 5 0 0 0 0
Year 6 0 0 0 0
Year 7 0 0 0 0
Year 8 0 0 0 0
Year 9 0 0 0 0
Year 10 0 0 0 0
Year 11 0 0 0 0
Year 12 0 0 0 0
Year 13 0 0 0 0
Year 14 0 0 0 0
Year 15 0 0 0 0
Year 16 0 0 0 0
Year 17 0 0 0 0
Year 18 0 0 0 0
Year 19 0 0 0 0
Year 20 0 0 0 0
Year 21 0 0 0 0
Year 22 0 0 0 0
Year 23 0 0 0 0
Year 24 0 0 0 0
Year 25 0 0 0 0
Year 26 0 0 0 0
Year 27 0 0 0 0
Year 28 0 0 0 0
Year 29 0 0 0 0
Year 30 0 0 0 0
Year 31 0 0 0 0
Year 32 0 0 0 0
Year 33 0 0 0 0
Year 34 0 0 0 0
Year 35 0 0 0 0
Year 36 0 0 0 0
Year 37 0 0 0 0
Year 38 0 0 0 0
Year 39 0 0 0 0
Year 40 0 0 0 0
Year 41 0 0 0 0
Year 42 0 0 0 0
Year 43 0 0 0 0
Year 44 0 0 0 0
Year 45 0 0 0 0
Year 46 0 0 0 0
Year 47 0 0 0 0
Year 48 0 0 0 0
Year 49 0 0 0 0
Year 50 0 0 0 0
BELCF Page 7 of 247
Best Estimate Liability Cash Flows Page 20.000
($'000's )
Year 51 0 0 0 0
Year 52 0 0 0 0
Year 53 0 0 0 0
Year 54 0 0 0 0
Year 55 0 0 0 0
Year 56 0 0 0 0
Year 57 0 0 0 0
Year 58 0 0 0 0
Year 59 0 0 0 0
Year 60 0 0 0 0
Year 61 0 0 0 0
Year 62 0 0 0 0
Year 63 0 0 0 0
Year 64 0 0 0 0
Year 65 0 0 0 0
Year 66 0 0 0 0
Year 67 0 0 0 0
Year 68 0 0 0 0
Year 69 0 0 0 0
Year 70 0 0 0 0
Year 71 0 0 0 0
Year 72 0 0 0 0
Year 73 0 0 0 0
Year 74 0 0 0 0
Year 75 0 0 0 0
Year 76 0 0 0 0
Year 77 0 0 0 0
Year 78 0 0 0 0
Year 79 0 0 0 0
Year 80 0 0 0 0
Year 81 0 0 0 0
Year 82 0 0 0 0
Year 83 0 0 0 0
Year 84 0 0 0 0
Year 85 0 0 0 0
Year 86 0 0 0 0
Year 87 0 0 0 0
Year 88 0 0 0 0
Year 89 0 0 0 0
Year 90 0 0 0 0
Year 91 0 0 0 0
Year 92 0 0 0 0
Year 93 0 0 0 0
Year 94 0 0 0 0
Year 95 0 0 0 0
Year 96 0 0 0 0
Year 97 0 0 0 0
Year 98 0 0 0 0
Year 99 0 0 0 0
Year 100 &
beyond 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total
Liability CFs
as per
Market Risk
Notes:
1) Non-Participating Products including non-adjustable universal life
BELCF Page 8 of 247
Best Estimate Liability Cash Flows
($'000's )
(Please fill in all unshaded areas)
015 016 017 018 019 020 021 022 023 024 025 026 027 028
UK Europe
Total Best Total Liability Total Best Total Liability
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Insurance and Cash Flows with Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Insurance and Cash Flows with
1 1
Products Products Products Products Cash Flows Other PfADs PfADs Products Products Products Products Cash Flows Other PfADs PfADs
Year 1 0 0 0 0
Year 2 0 0 0 0
Year 3 0 0 0 0
Year 4 0 0 0 0
Year 5 0 0 0 0
Year 6 0 0 0 0
Year 7 0 0 0 0
Year 8 0 0 0 0
Year 9 0 0 0 0
Year 10 0 0 0 0
Year 11 0 0 0 0
Year 12 0 0 0 0
Year 13 0 0 0 0
Year 14 0 0 0 0
Year 15 0 0 0 0
Year 16 0 0 0 0
Year 17 0 0 0 0
Year 18 0 0 0 0
Year 19 0 0 0 0
Year 20 0 0 0 0
Year 21 0 0 0 0
Year 22 0 0 0 0
Year 23 0 0 0 0
Year 24 0 0 0 0
Year 25 0 0 0 0
Year 26 0 0 0 0
Year 27 0 0 0 0
Year 28 0 0 0 0
Year 29 0 0 0 0
Year 30 0 0 0 0
Year 31 0 0 0 0
Year 32 0 0 0 0
Year 33 0 0 0 0
Year 34 0 0 0 0
Year 35 0 0 0 0
Year 36 0 0 0 0
Year 37 0 0 0 0
Year 38 0 0 0 0
Year 39 0 0 0 0
Year 40 0 0 0 0
Year 41 0 0 0 0
Year 42 0 0 0 0
Year 43 0 0 0 0
Year 44 0 0 0 0
Year 45 0 0 0 0
Year 46 0 0 0 0
Year 47 0 0 0 0
Year 48 0 0 0 0
Year 49 0 0 0 0
Year 50 0 0 0 0
BELCF Page 9 of 247
Best Estimate Liability Cash Flows
($'000's )
Year 51 0 0 0 0
Year 52 0 0 0 0
Year 53 0 0 0 0
Year 54 0 0 0 0
Year 55 0 0 0 0
Year 56 0 0 0 0
Year 57 0 0 0 0
Year 58 0 0 0 0
Year 59 0 0 0 0
Year 60 0 0 0 0
Year 61 0 0 0 0
Year 62 0 0 0 0
Year 63 0 0 0 0
Year 64 0 0 0 0
Year 65 0 0 0 0
Year 66 0 0 0 0
Year 67 0 0 0 0
Year 68 0 0 0 0
Year 69 0 0 0 0
Year 70 0 0 0 0
Year 71 0 0 0 0
Year 72 0 0 0 0
Year 73 0 0 0 0
Year 74 0 0 0 0
Year 75 0 0 0 0
Year 76 0 0 0 0
Year 77 0 0 0 0
Year 78 0 0 0 0
Year 79 0 0 0 0
Year 80 0 0 0 0
Year 81 0 0 0 0
Year 82 0 0 0 0
Year 83 0 0 0 0
Year 84 0 0 0 0
Year 85 0 0 0 0
Year 86 0 0 0 0
Year 87 0 0 0 0
Year 88 0 0 0 0
Year 89 0 0 0 0
Year 90 0 0 0 0
Year 91 0 0 0 0
Year 92 0 0 0 0
Year 93 0 0 0 0
Year 94 0 0 0 0
Year 95 0 0 0 0
Year 96 0 0 0 0
Year 97 0 0 0 0
Year 98 0 0 0 0
Year 99 0 0 0 0
Year 100 &
beyond 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total
Liability CFs
as per
Market Risk
BELCF Page 10 of 247
Best Estimate Liability Cash Flows
($'000's )
UK - Present Values of Cash Flows Europe - Present Values of Cash Flows
Total Best Total Liability Total Best Total Liability
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Insurance and Cash Flows with Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Insurance and Cash Flows with
1 1
Products Products Products Products Cash Flows Other PfADs PfADs Products Products Products Products Cash Flows Other PfADs PfADs
Year 1 0 0 0 0
Year 2 0 0 0 0
Year 3 0 0 0 0
Year 4 0 0 0 0
Year 5 0 0 0 0
Year 6 0 0 0 0
Year 7 0 0 0 0
Year 8 0 0 0 0
Year 9 0 0 0 0
Year 10 0 0 0 0
Year 11 0 0 0 0
Year 12 0 0 0 0
Year 13 0 0 0 0
Year 14 0 0 0 0
Year 15 0 0 0 0
Year 16 0 0 0 0
Year 17 0 0 0 0
Year 18 0 0 0 0
Year 19 0 0 0 0
Year 20 0 0 0 0
Year 21 0 0 0 0
Year 22 0 0 0 0
Year 23 0 0 0 0
Year 24 0 0 0 0
Year 25 0 0 0 0
Year 26 0 0 0 0
Year 27 0 0 0 0
Year 28 0 0 0 0
Year 29 0 0 0 0
Year 30 0 0 0 0
Year 31 0 0 0 0
Year 32 0 0 0 0
Year 33 0 0 0 0
Year 34 0 0 0 0
Year 35 0 0 0 0
Year 36 0 0 0 0
Year 37 0 0 0 0
Year 38 0 0 0 0
Year 39 0 0 0 0
Year 40 0 0 0 0
Year 41 0 0 0 0
Year 42 0 0 0 0
Year 43 0 0 0 0
Year 44 0 0 0 0
Year 45 0 0 0 0
Year 46 0 0 0 0
Year 47 0 0 0 0
Year 48 0 0 0 0
Year 49 0 0 0 0
Year 50 0 0 0 0
BELCF Page 11 of 247
Best Estimate Liability Cash Flows
($'000's )
Year 51 0 0 0 0
Year 52 0 0 0 0
Year 53 0 0 0 0
Year 54 0 0 0 0
Year 55 0 0 0 0
Year 56 0 0 0 0
Year 57 0 0 0 0
Year 58 0 0 0 0
Year 59 0 0 0 0
Year 60 0 0 0 0
Year 61 0 0 0 0
Year 62 0 0 0 0
Year 63 0 0 0 0
Year 64 0 0 0 0
Year 65 0 0 0 0
Year 66 0 0 0 0
Year 67 0 0 0 0
Year 68 0 0 0 0
Year 69 0 0 0 0
Year 70 0 0 0 0
Year 71 0 0 0 0
Year 72 0 0 0 0
Year 73 0 0 0 0
Year 74 0 0 0 0
Year 75 0 0 0 0
Year 76 0 0 0 0
Year 77 0 0 0 0
Year 78 0 0 0 0
Year 79 0 0 0 0
Year 80 0 0 0 0
Year 81 0 0 0 0
Year 82 0 0 0 0
Year 83 0 0 0 0
Year 84 0 0 0 0
Year 85 0 0 0 0
Year 86 0 0 0 0
Year 87 0 0 0 0
Year 88 0 0 0 0
Year 89 0 0 0 0
Year 90 0 0 0 0
Year 91 0 0 0 0
Year 92 0 0 0 0
Year 93 0 0 0 0
Year 94 0 0 0 0
Year 95 0 0 0 0
Year 96 0 0 0 0
Year 97 0 0 0 0
Year 98 0 0 0 0
Year 99 0 0 0 0
Year 100 &
beyond 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total
Liability CFs
as per
Market Risk
Notes:
1) Non-Participating Products including non-adjustable universal life
BELCF Page 12 of 247
Best Estimate Liability Cash Flows
($'000's )
(Please fill in all unshaded areas)
029 030 031 032 033 034 035 036 037 038 039 040 041 042
Other Total
Total Best Total Liability Total Best Total Liability
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Insurance and Cash Flows with Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Insurance and Cash Flows with
1 1
Products Products Products Products Cash Flows Other PfADs PfADs Products Products Products Products Cash Flows Other PfADs PfADs
Year 1 0 0 0 0 0 0 0 0 0
Year 2 0 0 0 0 0 0 0 0 0
Year 3 0 0 0 0 0 0 0 0 0
Year 4 0 0 0 0 0 0 0 0 0
Year 5 0 0 0 0 0 0 0 0 0
Year 6 0 0 0 0 0 0 0 0 0
Year 7 0 0 0 0 0 0 0 0 0
Year 8 0 0 0 0 0 0 0 0 0
Year 9 0 0 0 0 0 0 0 0 0
Year 10 0 0 0 0 0 0 0 0 0
Year 11 0 0 0 0 0 0 0 0 0
Year 12 0 0 0 0 0 0 0 0 0
Year 13 0 0 0 0 0 0 0 0 0
Year 14 0 0 0 0 0 0 0 0 0
Year 15 0 0 0 0 0 0 0 0 0
Year 16 0 0 0 0 0 0 0 0 0
Year 17 0 0 0 0 0 0 0 0 0
Year 18 0 0 0 0 0 0 0 0 0
Year 19 0 0 0 0 0 0 0 0 0
Year 20 0 0 0 0 0 0 0 0 0
Year 21 0 0 0 0 0 0 0 0 0
Year 22 0 0 0 0 0 0 0 0 0
Year 23 0 0 0 0 0 0 0 0 0
Year 24 0 0 0 0 0 0 0 0 0
Year 25 0 0 0 0 0 0 0 0 0
Year 26 0 0 0 0 0 0 0 0 0
Year 27 0 0 0 0 0 0 0 0 0
Year 28 0 0 0 0 0 0 0 0 0
Year 29 0 0 0 0 0 0 0 0 0
Year 30 0 0 0 0 0 0 0 0 0
Year 31 0 0 0 0 0 0 0 0 0
Year 32 0 0 0 0 0 0 0 0 0
Year 33 0 0 0 0 0 0 0 0 0
Year 34 0 0 0 0 0 0 0 0 0
Year 35 0 0 0 0 0 0 0 0 0
Year 36 0 0 0 0 0 0 0 0 0
Year 37 0 0 0 0 0 0 0 0 0
Year 38 0 0 0 0 0 0 0 0 0
Year 39 0 0 0 0 0 0 0 0 0
Year 40 0 0 0 0 0 0 0 0 0
Year 41 0 0 0 0 0 0 0 0 0
Year 42 0 0 0 0 0 0 0 0 0
Year 43 0 0 0 0 0 0 0 0 0
Year 44 0 0 0 0 0 0 0 0 0
Year 45 0 0 0 0 0 0 0 0 0
Year 46 0 0 0 0 0 0 0 0 0
Year 47 0 0 0 0 0 0 0 0 0
Year 48 0 0 0 0 0 0 0 0 0
Year 49 0 0 0 0 0 0 0 0 0
Year 50 0 0 0 0 0 0 0 0 0
BELCF Page 13 of 247
Best Estimate Liability Cash Flows
($'000's )
Year 51 0 0 0 0 0 0 0 0 0
Year 52 0 0 0 0 0 0 0 0 0
Year 53 0 0 0 0 0 0 0 0 0
Year 54 0 0 0 0 0 0 0 0 0
Year 55 0 0 0 0 0 0 0 0 0
Year 56 0 0 0 0 0 0 0 0 0
Year 57 0 0 0 0 0 0 0 0 0
Year 58 0 0 0 0 0 0 0 0 0
Year 59 0 0 0 0 0 0 0 0 0
Year 60 0 0 0 0 0 0 0 0 0
Year 61 0 0 0 0 0 0 0 0 0
Year 62 0 0 0 0 0 0 0 0 0
Year 63 0 0 0 0 0 0 0 0 0
Year 64 0 0 0 0 0 0 0 0 0
Year 65 0 0 0 0 0 0 0 0 0
Year 66 0 0 0 0 0 0 0 0 0
Year 67 0 0 0 0 0 0 0 0 0
Year 68 0 0 0 0 0 0 0 0 0
Year 69 0 0 0 0 0 0 0 0 0
Year 70 0 0 0 0 0 0 0 0 0
Year 71 0 0 0 0 0 0 0 0 0
Year 72 0 0 0 0 0 0 0 0 0
Year 73 0 0 0 0 0 0 0 0 0
Year 74 0 0 0 0 0 0 0 0 0
Year 75 0 0 0 0 0 0 0 0 0
Year 76 0 0 0 0 0 0 0 0 0
Year 77 0 0 0 0 0 0 0 0 0
Year 78 0 0 0 0 0 0 0 0 0
Year 79 0 0 0 0 0 0 0 0 0
Year 80 0 0 0 0 0 0 0 0 0
Year 81 0 0 0 0 0 0 0 0 0
Year 82 0 0 0 0 0 0 0 0 0
Year 83 0 0 0 0 0 0 0 0 0
Year 84 0 0 0 0 0 0 0 0 0
Year 85 0 0 0 0 0 0 0 0 0
Year 86 0 0 0 0 0 0 0 0 0
Year 87 0 0 0 0 0 0 0 0 0
Year 88 0 0 0 0 0 0 0 0 0
Year 89 0 0 0 0 0 0 0 0 0
Year 90 0 0 0 0 0 0 0 0 0
Year 91 0 0 0 0 0 0 0 0 0
Year 92 0 0 0 0 0 0 0 0 0
Year 93 0 0 0 0 0 0 0 0 0
Year 94 0 0 0 0 0 0 0 0 0
Year 95 0 0 0 0 0 0 0 0 0
Year 96 0 0 0 0 0 0 0 0 0
Year 97 0 0 0 0 0 0 0 0 0
Year 98 0 0 0 0 0 0 0 0 0
Year 99 0 0 0 0 0 0 0 0 0
Year 100 &
beyond 0 0 0 0 0 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total
Liability CFs
as per
Market Risk
BELCF Page 14 of 247
Best Estimate Liability Cash Flows
($'000's )
Other - Present Values of Cash Flows Total - Present Values of Cash Flows
Total Best Total Liability Total Best Total Liability
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Insurance and Cash Flows with Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Insurance and Cash Flows with
1 1
Products Products Products Products Cash Flows Other PfADs PfADs Products Products Products Products Cash Flows Other PfADs PfADs
Year 1 0 0 0 0 0 0 0 0 0
Year 2 0 0 0 0 0 0 0 0 0
Year 3 0 0 0 0 0 0 0 0 0
Year 4 0 0 0 0 0 0 0 0 0
Year 5 0 0 0 0 0 0 0 0 0
Year 6 0 0 0 0 0 0 0 0 0
Year 7 0 0 0 0 0 0 0 0 0
Year 8 0 0 0 0 0 0 0 0 0
Year 9 0 0 0 0 0 0 0 0 0
Year 10 0 0 0 0 0 0 0 0 0
Year 11 0 0 0 0 0 0 0 0 0
Year 12 0 0 0 0 0 0 0 0 0
Year 13 0 0 0 0 0 0 0 0 0
Year 14 0 0 0 0 0 0 0 0 0
Year 15 0 0 0 0 0 0 0 0 0
Year 16 0 0 0 0 0 0 0 0 0
Year 17 0 0 0 0 0 0 0 0 0
Year 18 0 0 0 0 0 0 0 0 0
Year 19 0 0 0 0 0 0 0 0 0
Year 20 0 0 0 0 0 0 0 0 0
Year 21 0 0 0 0 0 0 0 0 0
Year 22 0 0 0 0 0 0 0 0 0
Year 23 0 0 0 0 0 0 0 0 0
Year 24 0 0 0 0 0 0 0 0 0
Year 25 0 0 0 0 0 0 0 0 0
Year 26 0 0 0 0 0 0 0 0 0
Year 27 0 0 0 0 0 0 0 0 0
Year 28 0 0 0 0 0 0 0 0 0
Year 29 0 0 0 0 0 0 0 0 0
Year 30 0 0 0 0 0 0 0 0 0
Year 31 0 0 0 0 0 0 0 0 0
Year 32 0 0 0 0 0 0 0 0 0
Year 33 0 0 0 0 0 0 0 0 0
Year 34 0 0 0 0 0 0 0 0 0
Year 35 0 0 0 0 0 0 0 0 0
Year 36 0 0 0 0 0 0 0 0 0
Year 37 0 0 0 0 0 0 0 0 0
Year 38 0 0 0 0 0 0 0 0 0
Year 39 0 0 0 0 0 0 0 0 0
Year 40 0 0 0 0 0 0 0 0 0
Year 41 0 0 0 0 0 0 0 0 0
Year 42 0 0 0 0 0 0 0 0 0
Year 43 0 0 0 0 0 0 0 0 0
Year 44 0 0 0 0 0 0 0 0 0
Year 45 0 0 0 0 0 0 0 0 0
Year 46 0 0 0 0 0 0 0 0 0
Year 47 0 0 0 0 0 0 0 0 0
Year 48 0 0 0 0 0 0 0 0 0
Year 49 0 0 0 0 0 0 0 0 0
Year 50 0 0 0 0 0 0 0 0 0
BELCF Page 15 of 247
Best Estimate Liability Cash Flows
($'000's )
Year 51 0 0 0 0 0 0 0 0 0
Year 52 0 0 0 0 0 0 0 0 0
Year 53 0 0 0 0 0 0 0 0 0
Year 54 0 0 0 0 0 0 0 0 0
Year 55 0 0 0 0 0 0 0 0 0
Year 56 0 0 0 0 0 0 0 0 0
Year 57 0 0 0 0 0 0 0 0 0
Year 58 0 0 0 0 0 0 0 0 0
Year 59 0 0 0 0 0 0 0 0 0
Year 60 0 0 0 0 0 0 0 0 0
Year 61 0 0 0 0 0 0 0 0 0
Year 62 0 0 0 0 0 0 0 0 0
Year 63 0 0 0 0 0 0 0 0 0
Year 64 0 0 0 0 0 0 0 0 0
Year 65 0 0 0 0 0 0 0 0 0
Year 66 0 0 0 0 0 0 0 0 0
Year 67 0 0 0 0 0 0 0 0 0
Year 68 0 0 0 0 0 0 0 0 0
Year 69 0 0 0 0 0 0 0 0 0
Year 70 0 0 0 0 0 0 0 0 0
Year 71 0 0 0 0 0 0 0 0 0
Year 72 0 0 0 0 0 0 0 0 0
Year 73 0 0 0 0 0 0 0 0 0
Year 74 0 0 0 0 0 0 0 0 0
Year 75 0 0 0 0 0 0 0 0 0
Year 76 0 0 0 0 0 0 0 0 0
Year 77 0 0 0 0 0 0 0 0 0
Year 78 0 0 0 0 0 0 0 0 0
Year 79 0 0 0 0 0 0 0 0 0
Year 80 0 0 0 0 0 0 0 0 0
Year 81 0 0 0 0 0 0 0 0 0
Year 82 0 0 0 0 0 0 0 0 0
Year 83 0 0 0 0 0 0 0 0 0
Year 84 0 0 0 0 0 0 0 0 0
Year 85 0 0 0 0 0 0 0 0 0
Year 86 0 0 0 0 0 0 0 0 0
Year 87 0 0 0 0 0 0 0 0 0
Year 88 0 0 0 0 0 0 0 0 0
Year 89 0 0 0 0 0 0 0 0 0
Year 90 0 0 0 0 0 0 0 0 0
Year 91 0 0 0 0 0 0 0 0 0
Year 92 0 0 0 0 0 0 0 0 0
Year 93 0 0 0 0 0 0 0 0 0
Year 94 0 0 0 0 0 0 0 0 0
Year 95 0 0 0 0 0 0 0 0 0
Year 96 0 0 0 0 0 0 0 0 0
Year 97 0 0 0 0 0 0 0 0 0
Year 98 0 0 0 0 0 0 0 0 0
Year 99 0 0 0 0 0 0 0 0 0
Year 100 &
beyond 0 0 0 0 0 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total
Liability CFs
as per
Market Risk
Notes:
1) Non-Participating Products including non-adjustable universal life
BELCF Page 16 of 247
Best Estimate Liability Cash Flows - for Mortality Trend Risk using CIA prescribed Mortality Improvements (for Life Insurance) Page 20.100
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008 009 010
Canada USA
Total Best Total Best
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
BELCF Mort Improv Page 17 of 247
Best Estimate Liability Cash Flows - for Mortality Trend Risk using CIA prescribed Mortality Improvements (for Life Insurance) Page 20.100
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
BELCF Mort Improv Page 18 of 247
Best Estimate Liability Cash Flows - for Mortality Trend Risk using CIA prescribed Mortality Improvements (for Life Insurance) Page 20.100
($'000's )
Canada - Present Values of Cash Flows USA - Present Values of Cash Flows
Total Best Total Best
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
BELCF Mort Improv Page 19 of 247
Best Estimate Liability Cash Flows - for Mortality Trend Risk using CIA prescribed Mortality Improvements (for Life Insurance) Page 20.100
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Notes:
1) Non-Participating Products including non-adjustable universal life
BELCF Mort Improv Page 20 of 247
Best Estimate Liability Cash Flows - for Mortality Trend Risk using CIA prescribed Mortality Improvements (for Life Insurance)
($'000's )
(Please fill in all unshaded areas)
011 012 013 014 015 016 017 018 019 020
UK Europe
Total Best Total Best
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
BELCF Mort Improv Page 21 of 247
Best Estimate Liability Cash Flows - for Mortality Trend Risk using CIA prescribed Mortality Improvements (for Life Insurance)
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
BELCF Mort Improv Page 22 of 247
Best Estimate Liability Cash Flows - for Mortality Trend Risk using CIA prescribed Mortality Improvements (for Life Insurance)
($'000's )
UK - Present Values of Cash Flows Europe - Present Values of Cash Flows
Total Best Total Best
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
BELCF Mort Improv Page 23 of 247
Best Estimate Liability Cash Flows - for Mortality Trend Risk using CIA prescribed Mortality Improvements (for Life Insurance)
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Notes:
1) Non-Participating Products including non-adjustable universal life
BELCF Mort Improv Page 24 of 247
Best Estimate Liability Cash Flows - for Mortality Trend Risk using CIA prescribed Mortality Improvements (for Life Insurance)
($'000's )
(Please fill in all unshaded areas)
021 022 023 024 025 026 027 028 029 030
Other Total
Total Best Total Best
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0 0 0 0 0
Year 2 0 0 0 0 0 0
Year 3 0 0 0 0 0 0
Year 4 0 0 0 0 0 0
Year 5 0 0 0 0 0 0
Year 6 0 0 0 0 0 0
Year 7 0 0 0 0 0 0
Year 8 0 0 0 0 0 0
Year 9 0 0 0 0 0 0
Year 10 0 0 0 0 0 0
Year 11 0 0 0 0 0 0
Year 12 0 0 0 0 0 0
Year 13 0 0 0 0 0 0
Year 14 0 0 0 0 0 0
Year 15 0 0 0 0 0 0
Year 16 0 0 0 0 0 0
Year 17 0 0 0 0 0 0
Year 18 0 0 0 0 0 0
Year 19 0 0 0 0 0 0
Year 20 0 0 0 0 0 0
Year 21 0 0 0 0 0 0
Year 22 0 0 0 0 0 0
Year 23 0 0 0 0 0 0
Year 24 0 0 0 0 0 0
Year 25 0 0 0 0 0 0
Year 26 0 0 0 0 0 0
Year 27 0 0 0 0 0 0
Year 28 0 0 0 0 0 0
Year 29 0 0 0 0 0 0
Year 30 0 0 0 0 0 0
Year 31 0 0 0 0 0 0
Year 32 0 0 0 0 0 0
Year 33 0 0 0 0 0 0
Year 34 0 0 0 0 0 0
Year 35 0 0 0 0 0 0
Year 36 0 0 0 0 0 0
Year 37 0 0 0 0 0 0
Year 38 0 0 0 0 0 0
Year 39 0 0 0 0 0 0
Year 40 0 0 0 0 0 0
Year 41 0 0 0 0 0 0
Year 42 0 0 0 0 0 0
Year 43 0 0 0 0 0 0
Year 44 0 0 0 0 0 0
Year 45 0 0 0 0 0 0
Year 46 0 0 0 0 0 0
Year 47 0 0 0 0 0 0
Year 48 0 0 0 0 0 0
Year 49 0 0 0 0 0 0
Year 50 0 0 0 0 0 0
BELCF Mort Improv Page 25 of 247
Best Estimate Liability Cash Flows - for Mortality Trend Risk using CIA prescribed Mortality Improvements (for Life Insurance)
($'000's )
Year 51 0 0 0 0 0 0
Year 52 0 0 0 0 0 0
Year 53 0 0 0 0 0 0
Year 54 0 0 0 0 0 0
Year 55 0 0 0 0 0 0
Year 56 0 0 0 0 0 0
Year 57 0 0 0 0 0 0
Year 58 0 0 0 0 0 0
Year 59 0 0 0 0 0 0
Year 60 0 0 0 0 0 0
Year 61 0 0 0 0 0 0
Year 62 0 0 0 0 0 0
Year 63 0 0 0 0 0 0
Year 64 0 0 0 0 0 0
Year 65 0 0 0 0 0 0
Year 66 0 0 0 0 0 0
Year 67 0 0 0 0 0 0
Year 68 0 0 0 0 0 0
Year 69 0 0 0 0 0 0
Year 70 0 0 0 0 0 0
Year 71 0 0 0 0 0 0
Year 72 0 0 0 0 0 0
Year 73 0 0 0 0 0 0
Year 74 0 0 0 0 0 0
Year 75 0 0 0 0 0 0
Year 76 0 0 0 0 0 0
Year 77 0 0 0 0 0 0
Year 78 0 0 0 0 0 0
Year 79 0 0 0 0 0 0
Year 80 0 0 0 0 0 0
Year 81 0 0 0 0 0 0
Year 82 0 0 0 0 0 0
Year 83 0 0 0 0 0 0
Year 84 0 0 0 0 0 0
Year 85 0 0 0 0 0 0
Year 86 0 0 0 0 0 0
Year 87 0 0 0 0 0 0
Year 88 0 0 0 0 0 0
Year 89 0 0 0 0 0 0
Year 90 0 0 0 0 0 0
Year 91 0 0 0 0 0 0
Year 92 0 0 0 0 0 0
Year 93 0 0 0 0 0 0
Year 94 0 0 0 0 0 0
Year 95 0 0 0 0 0 0
Year 96 0 0 0 0 0 0
Year 97 0 0 0 0 0 0
Year 98 0 0 0 0 0 0
Year 99 0 0 0 0 0 0
Year 100 and beyond 0 0 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0
BELCF Mort Improv Page 26 of 247
Best Estimate Liability Cash Flows - for Mortality Trend Risk using CIA prescribed Mortality Improvements (for Life Insurance)
($'000's )
Other - Present Values of Cash Flows Total - Present Values of Cash Flows
Total Best Total Best
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0 0 0 0 0
Year 2 0 0 0 0 0 0
Year 3 0 0 0 0 0 0
Year 4 0 0 0 0 0 0
Year 5 0 0 0 0 0 0
Year 6 0 0 0 0 0 0
Year 7 0 0 0 0 0 0
Year 8 0 0 0 0 0 0
Year 9 0 0 0 0 0 0
Year 10 0 0 0 0 0 0
Year 11 0 0 0 0 0 0
Year 12 0 0 0 0 0 0
Year 13 0 0 0 0 0 0
Year 14 0 0 0 0 0 0
Year 15 0 0 0 0 0 0
Year 16 0 0 0 0 0 0
Year 17 0 0 0 0 0 0
Year 18 0 0 0 0 0 0
Year 19 0 0 0 0 0 0
Year 20 0 0 0 0 0 0
Year 21 0 0 0 0 0 0
Year 22 0 0 0 0 0 0
Year 23 0 0 0 0 0 0
Year 24 0 0 0 0 0 0
Year 25 0 0 0 0 0 0
Year 26 0 0 0 0 0 0
Year 27 0 0 0 0 0 0
Year 28 0 0 0 0 0 0
Year 29 0 0 0 0 0 0
Year 30 0 0 0 0 0 0
Year 31 0 0 0 0 0 0
Year 32 0 0 0 0 0 0
Year 33 0 0 0 0 0 0
Year 34 0 0 0 0 0 0
Year 35 0 0 0 0 0 0
Year 36 0 0 0 0 0 0
Year 37 0 0 0 0 0 0
Year 38 0 0 0 0 0 0
Year 39 0 0 0 0 0 0
Year 40 0 0 0 0 0 0
Year 41 0 0 0 0 0 0
Year 42 0 0 0 0 0 0
Year 43 0 0 0 0 0 0
Year 44 0 0 0 0 0 0
Year 45 0 0 0 0 0 0
Year 46 0 0 0 0 0 0
Year 47 0 0 0 0 0 0
Year 48 0 0 0 0 0 0
Year 49 0 0 0 0 0 0
Year 50 0 0 0 0 0 0
BELCF Mort Improv Page 27 of 247
Best Estimate Liability Cash Flows - for Mortality Trend Risk using CIA prescribed Mortality Improvements (for Life Insurance)
($'000's )
Year 51 0 0 0 0 0 0
Year 52 0 0 0 0 0 0
Year 53 0 0 0 0 0 0
Year 54 0 0 0 0 0 0
Year 55 0 0 0 0 0 0
Year 56 0 0 0 0 0 0
Year 57 0 0 0 0 0 0
Year 58 0 0 0 0 0 0
Year 59 0 0 0 0 0 0
Year 60 0 0 0 0 0 0
Year 61 0 0 0 0 0 0
Year 62 0 0 0 0 0 0
Year 63 0 0 0 0 0 0
Year 64 0 0 0 0 0 0
Year 65 0 0 0 0 0 0
Year 66 0 0 0 0 0 0
Year 67 0 0 0 0 0 0
Year 68 0 0 0 0 0 0
Year 69 0 0 0 0 0 0
Year 70 0 0 0 0 0 0
Year 71 0 0 0 0 0 0
Year 72 0 0 0 0 0 0
Year 73 0 0 0 0 0 0
Year 74 0 0 0 0 0 0
Year 75 0 0 0 0 0 0
Year 76 0 0 0 0 0 0
Year 77 0 0 0 0 0 0
Year 78 0 0 0 0 0 0
Year 79 0 0 0 0 0 0
Year 80 0 0 0 0 0 0
Year 81 0 0 0 0 0 0
Year 82 0 0 0 0 0 0
Year 83 0 0 0 0 0 0
Year 84 0 0 0 0 0 0
Year 85 0 0 0 0 0 0
Year 86 0 0 0 0 0 0
Year 87 0 0 0 0 0 0
Year 88 0 0 0 0 0 0
Year 89 0 0 0 0 0 0
Year 90 0 0 0 0 0 0
Year 91 0 0 0 0 0 0
Year 92 0 0 0 0 0 0
Year 93 0 0 0 0 0 0
Year 94 0 0 0 0 0 0
Year 95 0 0 0 0 0 0
Year 96 0 0 0 0 0 0
Year 97 0 0 0 0 0 0
Year 98 0 0 0 0 0 0
Year 99 0 0 0 0 0 0
Year 100 and beyond 0 0 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Notes:
1) Non-Participating Products including non-adjustable universal life
BELCF Mort Improv Page 28 of 247
Best Estimate Liability Cash Flows - By Product Type for Longevity Risk Page 20.200
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008
Canada USA
Death Supported Death Supported
Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
BELCF Longevity Page 29 of 247
Best Estimate Liability Cash Flows - By Product Type for Longevity Risk Page 20.200
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0
BELCF Longevity Page 30 of 247
Best Estimate Liability Cash Flows - By Product Type for Longevity Risk Page 20.200
($'000's )
Canada - Present Values of Cash Flows USA - Present Values of Cash Flows
Death Supported Death Supported
Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
BELCF Longevity Page 31 of 247
Best Estimate Liability Cash Flows - By Product Type for Longevity Risk Page 20.200
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0
BELCF Longevity Page 32 of 247
Best Estimate Liability Cash Flows - By Product Type for Longevity Risk
($'000's )
(Please fill in all unshaded areas)
009 010 011 012 013 014 015 016
UK Europe
Death Supported Death Supported
Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
BELCF Longevity Page 33 of 247
Best Estimate Liability Cash Flows - By Product Type for Longevity Risk
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0
BELCF Longevity Page 34 of 247
Best Estimate Liability Cash Flows - By Product Type for Longevity Risk
($'000's )
UK - Present Values of Cash Flows Europe - Present Values of Cash Flows
Death Supported Death Supported
Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
BELCF Longevity Page 35 of 247
Best Estimate Liability Cash Flows - By Product Type for Longevity Risk
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0
BELCF Longevity Page 36 of 247
Best Estimate Liability Cash Flows - By Product Type for Longevity Risk
($'000's )
(Please fill in all unshaded areas)
017 018 019 020 021 022 023 024
Other Total
Death Supported Death Supported
Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total
Year 1 0 0 0 0 0 001
Year 2 0 0 0 0 0 002
Year 3 0 0 0 0 0 003
Year 4 0 0 0 0 0 004
Year 5 0 0 0 0 0 005
Year 6 0 0 0 0 0 006
Year 7 0 0 0 0 0 007
Year 8 0 0 0 0 0 008
Year 9 0 0 0 0 0 009
Year 10 0 0 0 0 0 010
Year 11 0 0 0 0 0 011
Year 12 0 0 0 0 0 012
Year 13 0 0 0 0 0 013
Year 14 0 0 0 0 0 014
Year 15 0 0 0 0 0 015
Year 16 0 0 0 0 0 016
Year 17 0 0 0 0 0 017
Year 18 0 0 0 0 0 018
Year 19 0 0 0 0 0 019
Year 20 0 0 0 0 0 020
Year 21 0 0 0 0 0 021
Year 22 0 0 0 0 0 022
Year 23 0 0 0 0 0 023
Year 24 0 0 0 0 0 024
Year 25 0 0 0 0 0 025
Year 26 0 0 0 0 0 026
Year 27 0 0 0 0 0 027
Year 28 0 0 0 0 0 028
Year 29 0 0 0 0 0 029
Year 30 0 0 0 0 0 030
Year 31 0 0 0 0 0 031
Year 32 0 0 0 0 0 032
Year 33 0 0 0 0 0 033
Year 34 0 0 0 0 0 034
Year 35 0 0 0 0 0 035
Year 36 0 0 0 0 0 036
Year 37 0 0 0 0 0 037
Year 38 0 0 0 0 0 038
Year 39 0 0 0 0 0 039
Year 40 0 0 0 0 0 040
Year 41 0 0 0 0 0 041
Year 42 0 0 0 0 0 042
Year 43 0 0 0 0 0 043
Year 44 0 0 0 0 0 044
Year 45 0 0 0 0 0 045
Year 46 0 0 0 0 0 046
Year 47 0 0 0 0 0 047
Year 48 0 0 0 0 0 048
Year 49 0 0 0 0 0 049
Year 50 0 0 0 0 0 050
BELCF Longevity Page 37 of 247
Best Estimate Liability Cash Flows - By Product Type for Longevity Risk
($'000's )
Year 51 0 0 0 0 0 051
Year 52 0 0 0 0 0 052
Year 53 0 0 0 0 0 053
Year 54 0 0 0 0 0 054
Year 55 0 0 0 0 0 055
Year 56 0 0 0 0 0 056
Year 57 0 0 0 0 0 057
Year 58 0 0 0 0 0 058
Year 59 0 0 0 0 0 059
Year 60 0 0 0 0 0 060
Year 61 0 0 0 0 0 061
Year 62 0 0 0 0 0 062
Year 63 0 0 0 0 0 063
Year 64 0 0 0 0 0 064
Year 65 0 0 0 0 0 065
Year 66 0 0 0 0 0 066
Year 67 0 0 0 0 0 067
Year 68 0 0 0 0 0 068
Year 69 0 0 0 0 0 069
Year 70 0 0 0 0 0 070
Year 71 0 0 0 0 0 071
Year 72 0 0 0 0 0 072
Year 73 0 0 0 0 0 073
Year 74 0 0 0 0 0 074
Year 75 0 0 0 0 0 075
Year 76 0 0 0 0 0 076
Year 77 0 0 0 0 0 077
Year 78 0 0 0 0 0 078
Year 79 0 0 0 0 0 079
Year 80 0 0 0 0 0 080
Year 81 0 0 0 0 0 081
Year 82 0 0 0 0 0 082
Year 83 0 0 0 0 0 083
Year 84 0 0 0 0 0 084
Year 85 0 0 0 0 0 085
Year 86 0 0 0 0 0 086
Year 87 0 0 0 0 0 087
Year 88 0 0 0 0 0 088
Year 89 0 0 0 0 0 089
Year 90 0 0 0 0 0 090
Year 91 0 0 0 0 0 091
Year 92 0 0 0 0 0 092
Year 93 0 0 0 0 0 093
Year 94 0 0 0 0 0 094
Year 95 0 0 0 0 0 095
Year 96 0 0 0 0 0 096
Year 97 0 0 0 0 0 097
Year 98 0 0 0 0 0 098
Year 99 0 0 0 0 0 099
Year 100 and beyond 0 0 0 0 0 100
Totals 0 0 0 0 0 0 0 0 101
BELCF Longevity Page 38 of 247
Best Estimate Liability Cash Flows - By Product Type for Longevity Risk
($'000's )
Other - Present Values of Cash Flows Total - Present Values of Cash Flows
Death Supported Death Supported
Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total
Year 1 0 0 0 0 0 102
Year 2 0 0 0 0 0 103
Year 3 0 0 0 0 0 104
Year 4 0 0 0 0 0 105
Year 5 0 0 0 0 0 106
Year 6 0 0 0 0 0 107
Year 7 0 0 0 0 0 108
Year 8 0 0 0 0 0 109
Year 9 0 0 0 0 0 110
Year 10 0 0 0 0 0 111
Year 11 0 0 0 0 0 112
Year 12 0 0 0 0 0 113
Year 13 0 0 0 0 0 114
Year 14 0 0 0 0 0 115
Year 15 0 0 0 0 0 116
Year 16 0 0 0 0 0 117
Year 17 0 0 0 0 0 118
Year 18 0 0 0 0 0 119
Year 19 0 0 0 0 0 120
Year 20 0 0 0 0 0 121
Year 21 0 0 0 0 0 122
Year 22 0 0 0 0 0 123
Year 23 0 0 0 0 0 124
Year 24 0 0 0 0 0 125
Year 25 0 0 0 0 0 126
Year 26 0 0 0 0 0 127
Year 27 0 0 0 0 0 128
Year 28 0 0 0 0 0 129
Year 29 0 0 0 0 0 130
Year 30 0 0 0 0 0 131
Year 31 0 0 0 0 0 132
Year 32 0 0 0 0 0 133
Year 33 0 0 0 0 0 134
Year 34 0 0 0 0 0 135
Year 35 0 0 0 0 0 136
Year 36 0 0 0 0 0 137
Year 37 0 0 0 0 0 138
Year 38 0 0 0 0 0 139
Year 39 0 0 0 0 0 140
Year 40 0 0 0 0 0 141
Year 41 0 0 0 0 0 142
Year 42 0 0 0 0 0 143
Year 43 0 0 0 0 0 144
Year 44 0 0 0 0 0 145
Year 45 0 0 0 0 0 146
Year 46 0 0 0 0 0 147
Year 47 0 0 0 0 0 148
Year 48 0 0 0 0 0 149
Year 49 0 0 0 0 0 150
Year 50 0 0 0 0 0 151
BELCF Longevity Page 39 of 247
Best Estimate Liability Cash Flows - By Product Type for Longevity Risk
($'000's )
Year 51 0 0 0 0 0 152
Year 52 0 0 0 0 0 153
Year 53 0 0 0 0 0 154
Year 54 0 0 0 0 0 155
Year 55 0 0 0 0 0 156
Year 56 0 0 0 0 0 157
Year 57 0 0 0 0 0 158
Year 58 0 0 0 0 0 159
Year 59 0 0 0 0 0 160
Year 60 0 0 0 0 0 161
Year 61 0 0 0 0 0 162
Year 62 0 0 0 0 0 163
Year 63 0 0 0 0 0 164
Year 64 0 0 0 0 0 165
Year 65 0 0 0 0 0 166
Year 66 0 0 0 0 0 167
Year 67 0 0 0 0 0 168
Year 68 0 0 0 0 0 169
Year 69 0 0 0 0 0 170
Year 70 0 0 0 0 0 171
Year 71 0 0 0 0 0 172
Year 72 0 0 0 0 0 173
Year 73 0 0 0 0 0 174
Year 74 0 0 0 0 0 175
Year 75 0 0 0 0 0 176
Year 76 0 0 0 0 0 177
Year 77 0 0 0 0 0 178
Year 78 0 0 0 0 0 179
Year 79 0 0 0 0 0 180
Year 80 0 0 0 0 0 181
Year 81 0 0 0 0 0 182
Year 82 0 0 0 0 0 183
Year 83 0 0 0 0 0 184
Year 84 0 0 0 0 0 185
Year 85 0 0 0 0 0 186
Year 86 0 0 0 0 0 187
Year 87 0 0 0 0 0 188
Year 88 0 0 0 0 0 189
Year 89 0 0 0 0 0 190
Year 90 0 0 0 0 0 191
Year 91 0 0 0 0 0 192
Year 92 0 0 0 0 0 193
Year 93 0 0 0 0 0 194
Year 94 0 0 0 0 0 195
Year 95 0 0 0 0 0 196
Year 96 0 0 0 0 0 197
Year 97 0 0 0 0 0 198
Year 98 0 0 0 0 0 199
Year 99 0 0 0 0 0 200
Year 100 and beyond 0 0 0 0 0 201
Totals 0 0 0 0 0 0 0 0 202
BELCF Longevity Page 40 of 247
Best Estimate Liability Cash Flows - for Morbidity Risk Page 20.300
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008 009 010
Canada USA
Accident & Accident &
Sickness (other Sickness (other
Individual Critical illness and than disability, CI Individual Critical illness and than disability, CI
disability Group disability long term care and LTC) Total disability Group disability long term care and LTC) Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
BELCF Morbidity Page 41 of 247
Best Estimate Liability Cash Flows - for Morbidity Risk Page 20.300
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
BELCF Morbidity Page 42 of 247
Best Estimate Liability Cash Flows - for Morbidity Risk Page 20.300
($'000's )
Canada - Present Values of Cash Flows USA - Present Values of Cash Flows
Accident & Accident &
Sickness (other Sickness (other
Individual Critical illness and than disability, CI Individual Critical illness and than disability, CI
disability Group disability long term care and LTC) Total disability Group disability long term care and LTC) Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
BELCF Morbidity Page 43 of 247
Best Estimate Liability Cash Flows - for Morbidity Risk Page 20.300
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
BELCF Morbidity Page 44 of 247
Best Estimate Liability Cash Flows - for Morbidity Risk
($'000's )
(Please fill in all unshaded areas)
011 012 013 014 015 016 017 018 019 020
UK Europe
Accident & Accident &
Sickness (other Sickness (other
Individual Critical illness and than disability, CI Individual Critical illness and than disability, CI
disability Group disability long term care and LTC) Total disability Group disability long term care and LTC) Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
BELCF Morbidity Page 45 of 247
Best Estimate Liability Cash Flows - for Morbidity Risk
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
BELCF Morbidity Page 46 of 247
Best Estimate Liability Cash Flows - for Morbidity Risk
($'000's )
UK - Present Values of Cash Flows Europe - Present Values of Cash Flows
Accident & Accident &
Sickness (other Sickness (other
Individual Critical illness and than disability, CI Individual Critical illness and than disability, CI
disability Group disability long term care and LTC) Total disability Group disability long term care and LTC) Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
BELCF Morbidity Page 47 of 247
Best Estimate Liability Cash Flows - for Morbidity Risk
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
BELCF Morbidity Page 48 of 247
Best Estimate Liability Cash Flows - for Morbidity Risk
($'000's )
(Please fill in all unshaded areas)
021 022 023 024 025 026 027 028 029 030
Other Total
Accident & Accident &
Sickness (other Sickness (other
Individual Critical illness and than disability, CI Individual Critical illness and than disability, CI
disability Group disability long term care and LTC) Total disability Group disability long term care and LTC) Total
Year 1 0 0 0 0 0 0 001
Year 2 0 0 0 0 0 0 002
Year 3 0 0 0 0 0 0 003
Year 4 0 0 0 0 0 0 004
Year 5 0 0 0 0 0 0 005
Year 6 0 0 0 0 0 0 006
Year 7 0 0 0 0 0 0 007
Year 8 0 0 0 0 0 0 008
Year 9 0 0 0 0 0 0 009
Year 10 0 0 0 0 0 0 010
Year 11 0 0 0 0 0 0 011
Year 12 0 0 0 0 0 0 012
Year 13 0 0 0 0 0 0 013
Year 14 0 0 0 0 0 0 014
Year 15 0 0 0 0 0 0 015
Year 16 0 0 0 0 0 0 016
Year 17 0 0 0 0 0 0 017
Year 18 0 0 0 0 0 0 018
Year 19 0 0 0 0 0 0 019
Year 20 0 0 0 0 0 0 020
Year 21 0 0 0 0 0 0 021
Year 22 0 0 0 0 0 0 022
Year 23 0 0 0 0 0 0 023
Year 24 0 0 0 0 0 0 024
Year 25 0 0 0 0 0 0 025
Year 26 0 0 0 0 0 0 026
Year 27 0 0 0 0 0 0 027
Year 28 0 0 0 0 0 0 028
Year 29 0 0 0 0 0 0 029
Year 30 0 0 0 0 0 0 030
Year 31 0 0 0 0 0 0 031
Year 32 0 0 0 0 0 0 032
Year 33 0 0 0 0 0 0 033
Year 34 0 0 0 0 0 0 034
Year 35 0 0 0 0 0 0 035
Year 36 0 0 0 0 0 0 036
Year 37 0 0 0 0 0 0 037
Year 38 0 0 0 0 0 0 038
Year 39 0 0 0 0 0 0 039
Year 40 0 0 0 0 0 0 040
Year 41 0 0 0 0 0 0 041
Year 42 0 0 0 0 0 0 042
Year 43 0 0 0 0 0 0 043
Year 44 0 0 0 0 0 0 044
Year 45 0 0 0 0 0 0 045
Year 46 0 0 0 0 0 0 046
Year 47 0 0 0 0 0 0 047
Year 48 0 0 0 0 0 0 048
Year 49 0 0 0 0 0 0 049
Year 50 0 0 0 0 0 0 050
BELCF Morbidity Page 49 of 247
Best Estimate Liability Cash Flows - for Morbidity Risk
($'000's )
Year 51 0 0 0 0 0 0 051
Year 52 0 0 0 0 0 0 052
Year 53 0 0 0 0 0 0 053
Year 54 0 0 0 0 0 0 054
Year 55 0 0 0 0 0 0 055
Year 56 0 0 0 0 0 0 056
Year 57 0 0 0 0 0 0 057
Year 58 0 0 0 0 0 0 058
Year 59 0 0 0 0 0 0 059
Year 60 0 0 0 0 0 0 060
Year 61 0 0 0 0 0 0 061
Year 62 0 0 0 0 0 0 062
Year 63 0 0 0 0 0 0 063
Year 64 0 0 0 0 0 0 064
Year 65 0 0 0 0 0 0 065
Year 66 0 0 0 0 0 0 066
Year 67 0 0 0 0 0 0 067
Year 68 0 0 0 0 0 0 068
Year 69 0 0 0 0 0 0 069
Year 70 0 0 0 0 0 0 070
Year 71 0 0 0 0 0 0 071
Year 72 0 0 0 0 0 0 072
Year 73 0 0 0 0 0 0 073
Year 74 0 0 0 0 0 0 074
Year 75 0 0 0 0 0 0 075
Year 76 0 0 0 0 0 0 076
Year 77 0 0 0 0 0 0 077
Year 78 0 0 0 0 0 0 078
Year 79 0 0 0 0 0 0 079
Year 80 0 0 0 0 0 0 080
Year 81 0 0 0 0 0 0 081
Year 82 0 0 0 0 0 0 082
Year 83 0 0 0 0 0 0 083
Year 84 0 0 0 0 0 0 084
Year 85 0 0 0 0 0 0 085
Year 86 0 0 0 0 0 0 086
Year 87 0 0 0 0 0 0 087
Year 88 0 0 0 0 0 0 088
Year 89 0 0 0 0 0 0 089
Year 90 0 0 0 0 0 0 090
Year 91 0 0 0 0 0 0 091
Year 92 0 0 0 0 0 0 092
Year 93 0 0 0 0 0 0 093
Year 94 0 0 0 0 0 0 094
Year 95 0 0 0 0 0 0 095
Year 96 0 0 0 0 0 0 096
Year 97 0 0 0 0 0 0 097
Year 98 0 0 0 0 0 0 098
Year 99 0 0 0 0 0 0 099
Year 100 and beyond 0 0 0 0 0 0 100
Totals 0 0 0 0 0 0 0 0 0 0 101
BELCF Morbidity Page 50 of 247
Best Estimate Liability Cash Flows - for Morbidity Risk
($'000's )
Other - Present Values of Cash Flows Total - Present Values of Cash Flows
Accident & Accident &
Sickness (other Sickness (other
Individual Critical illness and than disability, CI Individual Critical illness and than disability, CI
disability Group disability long term care and LTC) Total disability Group disability long term care and LTC) Total
Year 1 0 0 0 0 0 0 102
Year 2 0 0 0 0 0 0 103
Year 3 0 0 0 0 0 0 104
Year 4 0 0 0 0 0 0 105
Year 5 0 0 0 0 0 0 106
Year 6 0 0 0 0 0 0 107
Year 7 0 0 0 0 0 0 108
Year 8 0 0 0 0 0 0 109
Year 9 0 0 0 0 0 0 110
Year 10 0 0 0 0 0 0 111
Year 11 0 0 0 0 0 0 112
Year 12 0 0 0 0 0 0 113
Year 13 0 0 0 0 0 0 114
Year 14 0 0 0 0 0 0 115
Year 15 0 0 0 0 0 0 116
Year 16 0 0 0 0 0 0 117
Year 17 0 0 0 0 0 0 118
Year 18 0 0 0 0 0 0 119
Year 19 0 0 0 0 0 0 120
Year 20 0 0 0 0 0 0 121
Year 21 0 0 0 0 0 0 122
Year 22 0 0 0 0 0 0 123
Year 23 0 0 0 0 0 0 124
Year 24 0 0 0 0 0 0 125
Year 25 0 0 0 0 0 0 126
Year 26 0 0 0 0 0 0 127
Year 27 0 0 0 0 0 0 128
Year 28 0 0 0 0 0 0 129
Year 29 0 0 0 0 0 0 130
Year 30 0 0 0 0 0 0 131
Year 31 0 0 0 0 0 0 132
Year 32 0 0 0 0 0 0 133
Year 33 0 0 0 0 0 0 134
Year 34 0 0 0 0 0 0 135
Year 35 0 0 0 0 0 0 136
Year 36 0 0 0 0 0 0 137
Year 37 0 0 0 0 0 0 138
Year 38 0 0 0 0 0 0 139
Year 39 0 0 0 0 0 0 140
Year 40 0 0 0 0 0 0 141
Year 41 0 0 0 0 0 0 142
Year 42 0 0 0 0 0 0 143
Year 43 0 0 0 0 0 0 144
Year 44 0 0 0 0 0 0 145
Year 45 0 0 0 0 0 0 146
Year 46 0 0 0 0 0 0 147
Year 47 0 0 0 0 0 0 148
Year 48 0 0 0 0 0 0 149
Year 49 0 0 0 0 0 0 150
Year 50 0 0 0 0 0 0 151
BELCF Morbidity Page 51 of 247
Best Estimate Liability Cash Flows - for Morbidity Risk
($'000's )
Year 51 0 0 0 0 0 0 152
Year 52 0 0 0 0 0 0 153
Year 53 0 0 0 0 0 0 154
Year 54 0 0 0 0 0 0 155
Year 55 0 0 0 0 0 0 156
Year 56 0 0 0 0 0 0 157
Year 57 0 0 0 0 0 0 158
Year 58 0 0 0 0 0 0 159
Year 59 0 0 0 0 0 0 160
Year 60 0 0 0 0 0 0 161
Year 61 0 0 0 0 0 0 162
Year 62 0 0 0 0 0 0 163
Year 63 0 0 0 0 0 0 164
Year 64 0 0 0 0 0 0 165
Year 65 0 0 0 0 0 0 166
Year 66 0 0 0 0 0 0 167
Year 67 0 0 0 0 0 0 168
Year 68 0 0 0 0 0 0 169
Year 69 0 0 0 0 0 0 170
Year 70 0 0 0 0 0 0 171
Year 71 0 0 0 0 0 0 172
Year 72 0 0 0 0 0 0 173
Year 73 0 0 0 0 0 0 174
Year 74 0 0 0 0 0 0 175
Year 75 0 0 0 0 0 0 176
Year 76 0 0 0 0 0 0 177
Year 77 0 0 0 0 0 0 178
Year 78 0 0 0 0 0 0 179
Year 79 0 0 0 0 0 0 180
Year 80 0 0 0 0 0 0 181
Year 81 0 0 0 0 0 0 182
Year 82 0 0 0 0 0 0 183
Year 83 0 0 0 0 0 0 184
Year 84 0 0 0 0 0 0 185
Year 85 0 0 0 0 0 0 186
Year 86 0 0 0 0 0 0 187
Year 87 0 0 0 0 0 0 188
Year 88 0 0 0 0 0 0 189
Year 89 0 0 0 0 0 0 190
Year 90 0 0 0 0 0 0 191
Year 91 0 0 0 0 0 0 192
Year 92 0 0 0 0 0 0 193
Year 93 0 0 0 0 0 0 194
Year 94 0 0 0 0 0 0 195
Year 95 0 0 0 0 0 0 196
Year 96 0 0 0 0 0 0 197
Year 97 0 0 0 0 0 0 198
Year 98 0 0 0 0 0 0 199
Year 99 0 0 0 0 0 0 200
Year 100 and beyond 0 0 0 0 0 0 201
Totals 0 0 0 0 0 0 0 0 0 0 202
BELCF Morbidity Page 52 of 247
Best Estimate Liability Cash Flows - by product type for Lapse Risk Page 20.400
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008 009 010 011 012 013 014
Canada USA
Long term Long term
T-5, T-10, T-20 disability and All other life T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL, and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
BELCF Lapse Page 53 of 247
Best Estimate Liability Cash Flows - by product type for Lapse Risk Page 20.400
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 &
beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0
BELCF Lapse Page 54 of 247
Best Estimate Liability Cash Flows - by product type for Lapse Risk Page 20.400
($'000's )
Canada - Present Values of Cash Flows USA - Present Values of Cash Flows
Long term Long term
T-5, T-10, T-20 disability and All other life T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL, and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
BELCF Lapse Page 55 of 247
Best Estimate Liability Cash Flows - by product type for Lapse Risk Page 20.400
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 &
beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0
BELCF Lapse Page 56 of 247
Best Estimate Liability Cash Flows - by product type for Lapse Risk
($'000's )
(Please fill in all unshaded areas)
015 016 017 018 019 020 021 022 023 024 025 026 027 028
UK Europe
Long term Long term
T-5, T-10, T-20 disability and All other life T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL, and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
BELCF Lapse Page 57 of 247
Best Estimate Liability Cash Flows - by product type for Lapse Risk
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 &
beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0
BELCF Lapse Page 58 of 247
Best Estimate Liability Cash Flows - by product type for Lapse Risk
($'000's )
UK - Present Values of Cash Flows Europe - Present Values of Cash Flows
Long term Long term
T-5, T-10, T-20 disability and All other life T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL, and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
BELCF Lapse Page 59 of 247
Best Estimate Liability Cash Flows - by product type for Lapse Risk
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 &
beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0
BELCF Lapse Page 60 of 247
Best Estimate Liability Cash Flows - by product type for Lapse Risk
($'000's )
(Please fill in all unshaded areas)
029 030 031 032 033 034 035 036 037 038 039 040 041 042
Other Total
Long term Long term
T-5, T-10, T-20 disability and All other life T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL, and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0 0 0 0 0 0 0 0
Year 2 0 0 0 0 0 0 0 0
Year 3 0 0 0 0 0 0 0 0
Year 4 0 0 0 0 0 0 0 0
Year 5 0 0 0 0 0 0 0 0
Year 6 0 0 0 0 0 0 0 0
Year 7 0 0 0 0 0 0 0 0
Year 8 0 0 0 0 0 0 0 0
Year 9 0 0 0 0 0 0 0 0
Year 10 0 0 0 0 0 0 0 0
Year 11 0 0 0 0 0 0 0 0
Year 12 0 0 0 0 0 0 0 0
Year 13 0 0 0 0 0 0 0 0
Year 14 0 0 0 0 0 0 0 0
Year 15 0 0 0 0 0 0 0 0
Year 16 0 0 0 0 0 0 0 0
Year 17 0 0 0 0 0 0 0 0
Year 18 0 0 0 0 0 0 0 0
Year 19 0 0 0 0 0 0 0 0
Year 20 0 0 0 0 0 0 0 0
Year 21 0 0 0 0 0 0 0 0
Year 22 0 0 0 0 0 0 0 0
Year 23 0 0 0 0 0 0 0 0
Year 24 0 0 0 0 0 0 0 0
Year 25 0 0 0 0 0 0 0 0
Year 26 0 0 0 0 0 0 0 0
Year 27 0 0 0 0 0 0 0 0
Year 28 0 0 0 0 0 0 0 0
Year 29 0 0 0 0 0 0 0 0
Year 30 0 0 0 0 0 0 0 0
Year 31 0 0 0 0 0 0 0 0
Year 32 0 0 0 0 0 0 0 0
Year 33 0 0 0 0 0 0 0 0
Year 34 0 0 0 0 0 0 0 0
Year 35 0 0 0 0 0 0 0 0
Year 36 0 0 0 0 0 0 0 0
Year 37 0 0 0 0 0 0 0 0
Year 38 0 0 0 0 0 0 0 0
Year 39 0 0 0 0 0 0 0 0
Year 40 0 0 0 0 0 0 0 0
Year 41 0 0 0 0 0 0 0 0
Year 42 0 0 0 0 0 0 0 0
Year 43 0 0 0 0 0 0 0 0
Year 44 0 0 0 0 0 0 0 0
Year 45 0 0 0 0 0 0 0 0
Year 46 0 0 0 0 0 0 0 0
Year 47 0 0 0 0 0 0 0 0
Year 48 0 0 0 0 0 0 0 0
Year 49 0 0 0 0 0 0 0 0
Year 50 0 0 0 0 0 0 0 0
BELCF Lapse Page 61 of 247
Best Estimate Liability Cash Flows - by product type for Lapse Risk
($'000's )
Year 51 0 0 0 0 0 0 0 0
Year 52 0 0 0 0 0 0 0 0
Year 53 0 0 0 0 0 0 0 0
Year 54 0 0 0 0 0 0 0 0
Year 55 0 0 0 0 0 0 0 0
Year 56 0 0 0 0 0 0 0 0
Year 57 0 0 0 0 0 0 0 0
Year 58 0 0 0 0 0 0 0 0
Year 59 0 0 0 0 0 0 0 0
Year 60 0 0 0 0 0 0 0 0
Year 61 0 0 0 0 0 0 0 0
Year 62 0 0 0 0 0 0 0 0
Year 63 0 0 0 0 0 0 0 0
Year 64 0 0 0 0 0 0 0 0
Year 65 0 0 0 0 0 0 0 0
Year 66 0 0 0 0 0 0 0 0
Year 67 0 0 0 0 0 0 0 0
Year 68 0 0 0 0 0 0 0 0
Year 69 0 0 0 0 0 0 0 0
Year 70 0 0 0 0 0 0 0 0
Year 71 0 0 0 0 0 0 0 0
Year 72 0 0 0 0 0 0 0 0
Year 73 0 0 0 0 0 0 0 0
Year 74 0 0 0 0 0 0 0 0
Year 75 0 0 0 0 0 0 0 0
Year 76 0 0 0 0 0 0 0 0
Year 77 0 0 0 0 0 0 0 0
Year 78 0 0 0 0 0 0 0 0
Year 79 0 0 0 0 0 0 0 0
Year 80 0 0 0 0 0 0 0 0
Year 81 0 0 0 0 0 0 0 0
Year 82 0 0 0 0 0 0 0 0
Year 83 0 0 0 0 0 0 0 0
Year 84 0 0 0 0 0 0 0 0
Year 85 0 0 0 0 0 0 0 0
Year 86 0 0 0 0 0 0 0 0
Year 87 0 0 0 0 0 0 0 0
Year 88 0 0 0 0 0 0 0 0
Year 89 0 0 0 0 0 0 0 0
Year 90 0 0 0 0 0 0 0 0
Year 91 0 0 0 0 0 0 0 0
Year 92 0 0 0 0 0 0 0 0
Year 93 0 0 0 0 0 0 0 0
Year 94 0 0 0 0 0 0 0 0
Year 95 0 0 0 0 0 0 0 0
Year 96 0 0 0 0 0 0 0 0
Year 97 0 0 0 0 0 0 0 0
Year 98 0 0 0 0 0 0 0 0
Year 99 0 0 0 0 0 0 0 0
Year 100 &
beyond 0 0 0 0 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0
BELCF Lapse Page 62 of 247
Best Estimate Liability Cash Flows - by product type for Lapse Risk
($'000's )
Other - Present Values of Cash Flows Total - Present Values of Cash Flows
Long term Long term
T-5, T-10, T-20 disability and All other life T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL, and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0 0 0 0 0 0 0 0
Year 2 0 0 0 0 0 0 0 0
Year 3 0 0 0 0 0 0 0 0
Year 4 0 0 0 0 0 0 0 0
Year 5 0 0 0 0 0 0 0 0
Year 6 0 0 0 0 0 0 0 0
Year 7 0 0 0 0 0 0 0 0
Year 8 0 0 0 0 0 0 0 0
Year 9 0 0 0 0 0 0 0 0
Year 10 0 0 0 0 0 0 0 0
Year 11 0 0 0 0 0 0 0 0
Year 12 0 0 0 0 0 0 0 0
Year 13 0 0 0 0 0 0 0 0
Year 14 0 0 0 0 0 0 0 0
Year 15 0 0 0 0 0 0 0 0
Year 16 0 0 0 0 0 0 0 0
Year 17 0 0 0 0 0 0 0 0
Year 18 0 0 0 0 0 0 0 0
Year 19 0 0 0 0 0 0 0 0
Year 20 0 0 0 0 0 0 0 0
Year 21 0 0 0 0 0 0 0 0
Year 22 0 0 0 0 0 0 0 0
Year 23 0 0 0 0 0 0 0 0
Year 24 0 0 0 0 0 0 0 0
Year 25 0 0 0 0 0 0 0 0
Year 26 0 0 0 0 0 0 0 0
Year 27 0 0 0 0 0 0 0 0
Year 28 0 0 0 0 0 0 0 0
Year 29 0 0 0 0 0 0 0 0
Year 30 0 0 0 0 0 0 0 0
Year 31 0 0 0 0 0 0 0 0
Year 32 0 0 0 0 0 0 0 0
Year 33 0 0 0 0 0 0 0 0
Year 34 0 0 0 0 0 0 0 0
Year 35 0 0 0 0 0 0 0 0
Year 36 0 0 0 0 0 0 0 0
Year 37 0 0 0 0 0 0 0 0
Year 38 0 0 0 0 0 0 0 0
Year 39 0 0 0 0 0 0 0 0
Year 40 0 0 0 0 0 0 0 0
Year 41 0 0 0 0 0 0 0 0
Year 42 0 0 0 0 0 0 0 0
Year 43 0 0 0 0 0 0 0 0
Year 44 0 0 0 0 0 0 0 0
Year 45 0 0 0 0 0 0 0 0
Year 46 0 0 0 0 0 0 0 0
Year 47 0 0 0 0 0 0 0 0
Year 48 0 0 0 0 0 0 0 0
Year 49 0 0 0 0 0 0 0 0
Year 50 0 0 0 0 0 0 0 0
BELCF Lapse Page 63 of 247
Best Estimate Liability Cash Flows - by product type for Lapse Risk
($'000's )
Year 51 0 0 0 0 0 0 0 0
Year 52 0 0 0 0 0 0 0 0
Year 53 0 0 0 0 0 0 0 0
Year 54 0 0 0 0 0 0 0 0
Year 55 0 0 0 0 0 0 0 0
Year 56 0 0 0 0 0 0 0 0
Year 57 0 0 0 0 0 0 0 0
Year 58 0 0 0 0 0 0 0 0
Year 59 0 0 0 0 0 0 0 0
Year 60 0 0 0 0 0 0 0 0
Year 61 0 0 0 0 0 0 0 0
Year 62 0 0 0 0 0 0 0 0
Year 63 0 0 0 0 0 0 0 0
Year 64 0 0 0 0 0 0 0 0
Year 65 0 0 0 0 0 0 0 0
Year 66 0 0 0 0 0 0 0 0
Year 67 0 0 0 0 0 0 0 0
Year 68 0 0 0 0 0 0 0 0
Year 69 0 0 0 0 0 0 0 0
Year 70 0 0 0 0 0 0 0 0
Year 71 0 0 0 0 0 0 0 0
Year 72 0 0 0 0 0 0 0 0
Year 73 0 0 0 0 0 0 0 0
Year 74 0 0 0 0 0 0 0 0
Year 75 0 0 0 0 0 0 0 0
Year 76 0 0 0 0 0 0 0 0
Year 77 0 0 0 0 0 0 0 0
Year 78 0 0 0 0 0 0 0 0
Year 79 0 0 0 0 0 0 0 0
Year 80 0 0 0 0 0 0 0 0
Year 81 0 0 0 0 0 0 0 0
Year 82 0 0 0 0 0 0 0 0
Year 83 0 0 0 0 0 0 0 0
Year 84 0 0 0 0 0 0 0 0
Year 85 0 0 0 0 0 0 0 0
Year 86 0 0 0 0 0 0 0 0
Year 87 0 0 0 0 0 0 0 0
Year 88 0 0 0 0 0 0 0 0
Year 89 0 0 0 0 0 0 0 0
Year 90 0 0 0 0 0 0 0 0
Year 91 0 0 0 0 0 0 0 0
Year 92 0 0 0 0 0 0 0 0
Year 93 0 0 0 0 0 0 0 0
Year 94 0 0 0 0 0 0 0 0
Year 95 0 0 0 0 0 0 0 0
Year 96 0 0 0 0 0 0 0 0
Year 97 0 0 0 0 0 0 0 0
Year 98 0 0 0 0 0 0 0 0
Year 99 0 0 0 0 0 0 0 0
Year 100 &
beyond 0 0 0 0 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0 0 0
BELCF Lapse Page 64 of 247
Mortality Risk - Shocked CFs for Level Risk Page 21.100
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008 009 010
Canada USA
Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Non-Participating Participating UL Adjustable Other Adjustable Total Shocked
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Mortality - Level Shock Page 65 of 247
Mortality Risk - Shocked CFs for Level Risk Page 21.100
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Mortality - Level Shock Page 66 of 247
Mortality Risk - Shocked CFs for Level Risk Page 21.100
($'000's )
Canada - Present Values of Cash Flows USA - Present Values of Cash Flows
Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Non-Participating Participating UL Adjustable Other Adjustable Total Shocked
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Mortality - Level Shock Page 67 of 247
Mortality Risk - Shocked CFs for Level Risk Page 21.100
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Notes:
1) Non-Participating Products including non-adjustable universal life
Mortality - Level Shock Page 68 of 247
Mortality Risk - Shocked CFs for Level Risk
($'000's )
(Please fill in all unshaded areas)
011 012 013 014 015 016 017 018 019 020
UK Europe
Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Non-Participating Participating UL Adjustable Other Adjustable Total Shocked
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Mortality - Level Shock Page 69 of 247
Mortality Risk - Shocked CFs for Level Risk
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Mortality - Level Shock Page 70 of 247
Mortality Risk - Shocked CFs for Level Risk
($'000's )
UK - Present Values of Cash Flows Europe - Present Values of Cash Flows
Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Non-Participating Participating UL Adjustable Other Adjustable Total Shocked
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Mortality - Level Shock Page 71 of 247
Mortality Risk - Shocked CFs for Level Risk
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Notes:
1) Non-Participating Products including non-adjustable universal life
Mortality - Level Shock Page 72 of 247
Mortality Risk - Shocked CFs for Level Risk
($'000's )
(Please fill in all unshaded areas)
021 022 023 024 025 026 027 028 029 030
Other Total
Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Cash Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Cash
1 1
Products Products Products Products Flows Products Products Products Products Flows
Year 1 0 0 0 0 0 0 001
Year 2 0 0 0 0 0 0 002
Year 3 0 0 0 0 0 0 003
Year 4 0 0 0 0 0 0 004
Year 5 0 0 0 0 0 0 005
Year 6 0 0 0 0 0 0 006
Year 7 0 0 0 0 0 0 007
Year 8 0 0 0 0 0 0 008
Year 9 0 0 0 0 0 0 009
Year 10 0 0 0 0 0 0 010
Year 11 0 0 0 0 0 0 011
Year 12 0 0 0 0 0 0 012
Year 13 0 0 0 0 0 0 013
Year 14 0 0 0 0 0 0 014
Year 15 0 0 0 0 0 0 015
Year 16 0 0 0 0 0 0 016
Year 17 0 0 0 0 0 0 017
Year 18 0 0 0 0 0 0 018
Year 19 0 0 0 0 0 0 019
Year 20 0 0 0 0 0 0 020
Year 21 0 0 0 0 0 0 021
Year 22 0 0 0 0 0 0 022
Year 23 0 0 0 0 0 0 023
Year 24 0 0 0 0 0 0 024
Year 25 0 0 0 0 0 0 025
Year 26 0 0 0 0 0 0 026
Year 27 0 0 0 0 0 0 027
Year 28 0 0 0 0 0 0 028
Year 29 0 0 0 0 0 0 029
Year 30 0 0 0 0 0 0 030
Year 31 0 0 0 0 0 0 031
Year 32 0 0 0 0 0 0 032
Year 33 0 0 0 0 0 0 033
Year 34 0 0 0 0 0 0 034
Year 35 0 0 0 0 0 0 035
Year 36 0 0 0 0 0 0 036
Year 37 0 0 0 0 0 0 037
Year 38 0 0 0 0 0 0 038
Year 39 0 0 0 0 0 0 039
Year 40 0 0 0 0 0 0 040
Year 41 0 0 0 0 0 0 041
Year 42 0 0 0 0 0 0 042
Year 43 0 0 0 0 0 0 043
Year 44 0 0 0 0 0 0 044
Year 45 0 0 0 0 0 0 045
Year 46 0 0 0 0 0 0 046
Year 47 0 0 0 0 0 0 047
Year 48 0 0 0 0 0 0 048
Year 49 0 0 0 0 0 0 049
Year 50 0 0 0 0 0 0 050
Mortality - Level Shock Page 73 of 247
Mortality Risk - Shocked CFs for Level Risk
($'000's )
Year 51 0 0 0 0 0 0 051
Year 52 0 0 0 0 0 0 052
Year 53 0 0 0 0 0 0 053
Year 54 0 0 0 0 0 0 054
Year 55 0 0 0 0 0 0 055
Year 56 0 0 0 0 0 0 056
Year 57 0 0 0 0 0 0 057
Year 58 0 0 0 0 0 0 058
Year 59 0 0 0 0 0 0 059
Year 60 0 0 0 0 0 0 060
Year 61 0 0 0 0 0 0 061
Year 62 0 0 0 0 0 0 062
Year 63 0 0 0 0 0 0 063
Year 64 0 0 0 0 0 0 064
Year 65 0 0 0 0 0 0 065
Year 66 0 0 0 0 0 0 066
Year 67 0 0 0 0 0 0 067
Year 68 0 0 0 0 0 0 068
Year 69 0 0 0 0 0 0 069
Year 70 0 0 0 0 0 0 070
Year 71 0 0 0 0 0 0 071
Year 72 0 0 0 0 0 0 072
Year 73 0 0 0 0 0 0 073
Year 74 0 0 0 0 0 0 074
Year 75 0 0 0 0 0 0 075
Year 76 0 0 0 0 0 0 076
Year 77 0 0 0 0 0 0 077
Year 78 0 0 0 0 0 0 078
Year 79 0 0 0 0 0 0 079
Year 80 0 0 0 0 0 0 080
Year 81 0 0 0 0 0 0 081
Year 82 0 0 0 0 0 0 082
Year 83 0 0 0 0 0 0 083
Year 84 0 0 0 0 0 0 084
Year 85 0 0 0 0 0 0 085
Year 86 0 0 0 0 0 0 086
Year 87 0 0 0 0 0 0 087
Year 88 0 0 0 0 0 0 088
Year 89 0 0 0 0 0 0 089
Year 90 0 0 0 0 0 0 090
Year 91 0 0 0 0 0 0 091
Year 92 0 0 0 0 0 0 092
Year 93 0 0 0 0 0 0 093
Year 94 0 0 0 0 0 0 094
Year 95 0 0 0 0 0 0 095
Year 96 0 0 0 0 0 0 096
Year 97 0 0 0 0 0 0 097
Year 98 0 0 0 0 0 0 098
Year 99 0 0 0 0 0 0 099
Year 100 and beyond 0 0 0 0 0 0 100
Totals 0 0 0 0 0 0 0 0 0 0 101
Mortality - Level Shock Page 74 of 247
Mortality Risk - Shocked CFs for Level Risk
($'000's )
Other - Present Values of Cash Flows Total - Present Values of Cash Flows
Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Cash Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Cash
1 1
Products Products Products Products Flows Products Products Products Products Flows
Year 1 0 0 0 0 0 0 102
Year 2 0 0 0 0 0 0 103
Year 3 0 0 0 0 0 0 104
Year 4 0 0 0 0 0 0 105
Year 5 0 0 0 0 0 0 106
Year 6 0 0 0 0 0 0 107
Year 7 0 0 0 0 0 0 108
Year 8 0 0 0 0 0 0 109
Year 9 0 0 0 0 0 0 110
Year 10 0 0 0 0 0 0 111
Year 11 0 0 0 0 0 0 112
Year 12 0 0 0 0 0 0 113
Year 13 0 0 0 0 0 0 114
Year 14 0 0 0 0 0 0 115
Year 15 0 0 0 0 0 0 116
Year 16 0 0 0 0 0 0 117
Year 17 0 0 0 0 0 0 118
Year 18 0 0 0 0 0 0 119
Year 19 0 0 0 0 0 0 120
Year 20 0 0 0 0 0 0 121
Year 21 0 0 0 0 0 0 122
Year 22 0 0 0 0 0 0 123
Year 23 0 0 0 0 0 0 124
Year 24 0 0 0 0 0 0 125
Year 25 0 0 0 0 0 0 126
Year 26 0 0 0 0 0 0 127
Year 27 0 0 0 0 0 0 128
Year 28 0 0 0 0 0 0 129
Year 29 0 0 0 0 0 0 130
Year 30 0 0 0 0 0 0 131
Year 31 0 0 0 0 0 0 132
Year 32 0 0 0 0 0 0 133
Year 33 0 0 0 0 0 0 134
Year 34 0 0 0 0 0 0 135
Year 35 0 0 0 0 0 0 136
Year 36 0 0 0 0 0 0 137
Year 37 0 0 0 0 0 0 138
Year 38 0 0 0 0 0 0 139
Year 39 0 0 0 0 0 0 140
Year 40 0 0 0 0 0 0 141
Year 41 0 0 0 0 0 0 142
Year 42 0 0 0 0 0 0 143
Year 43 0 0 0 0 0 0 144
Year 44 0 0 0 0 0 0 145
Year 45 0 0 0 0 0 0 146
Year 46 0 0 0 0 0 0 147
Year 47 0 0 0 0 0 0 148
Year 48 0 0 0 0 0 0 149
Year 49 0 0 0 0 0 0 150
Year 50 0 0 0 0 0 0 151
Mortality - Level Shock Page 75 of 247
Mortality Risk - Shocked CFs for Level Risk
($'000's )
Year 51 0 0 0 0 0 0 152
Year 52 0 0 0 0 0 0 153
Year 53 0 0 0 0 0 0 154
Year 54 0 0 0 0 0 0 155
Year 55 0 0 0 0 0 0 156
Year 56 0 0 0 0 0 0 157
Year 57 0 0 0 0 0 0 158
Year 58 0 0 0 0 0 0 159
Year 59 0 0 0 0 0 0 160
Year 60 0 0 0 0 0 0 161
Year 61 0 0 0 0 0 0 162
Year 62 0 0 0 0 0 0 163
Year 63 0 0 0 0 0 0 164
Year 64 0 0 0 0 0 0 165
Year 65 0 0 0 0 0 0 166
Year 66 0 0 0 0 0 0 167
Year 67 0 0 0 0 0 0 168
Year 68 0 0 0 0 0 0 169
Year 69 0 0 0 0 0 0 170
Year 70 0 0 0 0 0 0 171
Year 71 0 0 0 0 0 0 172
Year 72 0 0 0 0 0 0 173
Year 73 0 0 0 0 0 0 174
Year 74 0 0 0 0 0 0 175
Year 75 0 0 0 0 0 0 176
Year 76 0 0 0 0 0 0 177
Year 77 0 0 0 0 0 0 178
Year 78 0 0 0 0 0 0 179
Year 79 0 0 0 0 0 0 180
Year 80 0 0 0 0 0 0 181
Year 81 0 0 0 0 0 0 182
Year 82 0 0 0 0 0 0 183
Year 83 0 0 0 0 0 0 184
Year 84 0 0 0 0 0 0 185
Year 85 0 0 0 0 0 0 186
Year 86 0 0 0 0 0 0 187
Year 87 0 0 0 0 0 0 188
Year 88 0 0 0 0 0 0 189
Year 89 0 0 0 0 0 0 190
Year 90 0 0 0 0 0 0 191
Year 91 0 0 0 0 0 0 192
Year 92 0 0 0 0 0 0 193
Year 93 0 0 0 0 0 0 194
Year 94 0 0 0 0 0 0 195
Year 95 0 0 0 0 0 0 196
Year 96 0 0 0 0 0 0 197
Year 97 0 0 0 0 0 0 198
Year 98 0 0 0 0 0 0 199
Year 99 0 0 0 0 0 0 200
Year 100 and beyond 0 0 0 0 0 0 201
Totals 0 0 0 0 0 0 0 0 0 0 202
Notes:
1) Non-Participating Products including non-adjustable universal life
Mortality - Level Shock Page 76 of 247
Mortality Risk - Shocked CFs for Trend Risk Page 21.200
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008 009 010
Canada USA
Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Non-Participating Participating UL Adjustable Other Adjustable Total Shocked
Products1 Products Products Products Cash Flows Products1 Products Products Products Cash Flows
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Mortality - Trend Shock Page 77 of 247
Mortality Risk - Shocked CFs for Trend Risk Page 21.200
($'000's )
(Please fill in all unshaded areas)
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Mortality - Trend Shock Page 78 of 247
Mortality Risk - Shocked CFs for Trend Risk Page 21.200
($'000's )
(Please fill in all unshaded areas)
Canada - Present Values of Cash Flows USA - Present Values of Cash Flows
Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Non-Participating Participating UL Adjustable Other Adjustable Total Shocked
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Mortality - Trend Shock Page 79 of 247
Mortality Risk - Shocked CFs for Trend Risk Page 21.200
($'000's )
(Please fill in all unshaded areas)
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Notes:
1) Non-Participating Products including non-adjustable universal life
Mortality - Trend Shock Page 80 of 247
Mortality Risk - Shocked CFs for Trend Risk
($'000's )
(Please fill in all unshaded areas)
011 012 013 014 015 016 017 018 019 020
UK Europe
Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Non-Participating Participating UL Adjustable Other Adjustable Total Shocked
Products1 Products Products Products Cash Flows Products1 Products Products Products Cash Flows
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Mortality - Trend Shock Page 81 of 247
Mortality Risk - Shocked CFs for Trend Risk
($'000's )
(Please fill in all unshaded areas)
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Mortality - Trend Shock Page 82 of 247
Mortality Risk - Shocked CFs for Trend Risk
($'000's )
(Please fill in all unshaded areas)
UK - Present Values of Cash Flows Europe - Present Values of Cash Flows
Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Non-Participating Participating UL Adjustable Other Adjustable Total Shocked
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Mortality - Trend Shock Page 83 of 247
Mortality Risk - Shocked CFs for Trend Risk
($'000's )
(Please fill in all unshaded areas)
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Notes:
1) Non-Participating Products including non-adjustable universal life
Mortality - Trend Shock Page 84 of 247
Mortality Risk - Shocked CFs for Trend Risk
($'000's )
(Please fill in all unshaded areas)
021 022 023 024 025 026 027 028 029 030
Other Total
Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Cash Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Cash
Products1 Products Products Products Flows Products1 Products Products Products Flows
Year 1 0 0 0 0 0 0 001
Year 2 0 0 0 0 0 0 002
Year 3 0 0 0 0 0 0 003
Year 4 0 0 0 0 0 0 004
Year 5 0 0 0 0 0 0 005
Year 6 0 0 0 0 0 0 006
Year 7 0 0 0 0 0 0 007
Year 8 0 0 0 0 0 0 008
Year 9 0 0 0 0 0 0 009
Year 10 0 0 0 0 0 0 010
Year 11 0 0 0 0 0 0 011
Year 12 0 0 0 0 0 0 012
Year 13 0 0 0 0 0 0 013
Year 14 0 0 0 0 0 0 014
Year 15 0 0 0 0 0 0 015
Year 16 0 0 0 0 0 0 016
Year 17 0 0 0 0 0 0 017
Year 18 0 0 0 0 0 0 018
Year 19 0 0 0 0 0 0 019
Year 20 0 0 0 0 0 0 020
Year 21 0 0 0 0 0 0 021
Year 22 0 0 0 0 0 0 022
Year 23 0 0 0 0 0 0 023
Year 24 0 0 0 0 0 0 024
Year 25 0 0 0 0 0 0 025
Year 26 0 0 0 0 0 0 026
Year 27 0 0 0 0 0 0 027
Year 28 0 0 0 0 0 0 028
Year 29 0 0 0 0 0 0 029
Year 30 0 0 0 0 0 0 030
Year 31 0 0 0 0 0 0 031
Year 32 0 0 0 0 0 0 032
Year 33 0 0 0 0 0 0 033
Year 34 0 0 0 0 0 0 034
Year 35 0 0 0 0 0 0 035
Year 36 0 0 0 0 0 0 036
Year 37 0 0 0 0 0 0 037
Year 38 0 0 0 0 0 0 038
Year 39 0 0 0 0 0 0 039
Year 40 0 0 0 0 0 0 040
Year 41 0 0 0 0 0 0 041
Year 42 0 0 0 0 0 0 042
Year 43 0 0 0 0 0 0 043
Year 44 0 0 0 0 0 0 044
Year 45 0 0 0 0 0 0 045
Year 46 0 0 0 0 0 0 046
Year 47 0 0 0 0 0 0 047
Year 48 0 0 0 0 0 0 048
Year 49 0 0 0 0 0 0 049
Year 50 0 0 0 0 0 0 050
Mortality - Trend Shock Page 85 of 247
Mortality Risk - Shocked CFs for Trend Risk
($'000's )
(Please fill in all unshaded areas)
Year 51 0 0 0 0 0 0 051
Year 52 0 0 0 0 0 0 052
Year 53 0 0 0 0 0 0 053
Year 54 0 0 0 0 0 0 054
Year 55 0 0 0 0 0 0 055
Year 56 0 0 0 0 0 0 056
Year 57 0 0 0 0 0 0 057
Year 58 0 0 0 0 0 0 058
Year 59 0 0 0 0 0 0 059
Year 60 0 0 0 0 0 0 060
Year 61 0 0 0 0 0 0 061
Year 62 0 0 0 0 0 0 062
Year 63 0 0 0 0 0 0 063
Year 64 0 0 0 0 0 0 064
Year 65 0 0 0 0 0 0 065
Year 66 0 0 0 0 0 0 066
Year 67 0 0 0 0 0 0 067
Year 68 0 0 0 0 0 0 068
Year 69 0 0 0 0 0 0 069
Year 70 0 0 0 0 0 0 070
Year 71 0 0 0 0 0 0 071
Year 72 0 0 0 0 0 0 072
Year 73 0 0 0 0 0 0 073
Year 74 0 0 0 0 0 0 074
Year 75 0 0 0 0 0 0 075
Year 76 0 0 0 0 0 0 076
Year 77 0 0 0 0 0 0 077
Year 78 0 0 0 0 0 0 078
Year 79 0 0 0 0 0 0 079
Year 80 0 0 0 0 0 0 080
Year 81 0 0 0 0 0 0 081
Year 82 0 0 0 0 0 0 082
Year 83 0 0 0 0 0 0 083
Year 84 0 0 0 0 0 0 084
Year 85 0 0 0 0 0 0 085
Year 86 0 0 0 0 0 0 086
Year 87 0 0 0 0 0 0 087
Year 88 0 0 0 0 0 0 088
Year 89 0 0 0 0 0 0 089
Year 90 0 0 0 0 0 0 090
Year 91 0 0 0 0 0 0 091
Year 92 0 0 0 0 0 0 092
Year 93 0 0 0 0 0 0 093
Year 94 0 0 0 0 0 0 094
Year 95 0 0 0 0 0 0 095
Year 96 0 0 0 0 0 0 096
Year 97 0 0 0 0 0 0 097
Year 98 0 0 0 0 0 0 098
Year 99 0 0 0 0 0 0 099
Year 100 and beyond 0 0 0 0 0 0 100
Totals 0 0 0 0 0 0 0 0 0 0 101
Mortality - Trend Shock Page 86 of 247
Mortality Risk - Shocked CFs for Trend Risk
($'000's )
(Please fill in all unshaded areas)
Other - Present Values of Cash Flows Total - Present Values of Cash Flows
Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Cash Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Cash
1 1
Products Products Products Products Flows Products Products Products Products Flows
Year 1 0 0 0 0 0 0 102
Year 2 0 0 0 0 0 0 103
Year 3 0 0 0 0 0 0 104
Year 4 0 0 0 0 0 0 105
Year 5 0 0 0 0 0 0 106
Year 6 0 0 0 0 0 0 107
Year 7 0 0 0 0 0 0 108
Year 8 0 0 0 0 0 0 109
Year 9 0 0 0 0 0 0 110
Year 10 0 0 0 0 0 0 111
Year 11 0 0 0 0 0 0 112
Year 12 0 0 0 0 0 0 113
Year 13 0 0 0 0 0 0 114
Year 14 0 0 0 0 0 0 115
Year 15 0 0 0 0 0 0 116
Year 16 0 0 0 0 0 0 117
Year 17 0 0 0 0 0 0 118
Year 18 0 0 0 0 0 0 119
Year 19 0 0 0 0 0 0 120
Year 20 0 0 0 0 0 0 121
Year 21 0 0 0 0 0 0 122
Year 22 0 0 0 0 0 0 123
Year 23 0 0 0 0 0 0 124
Year 24 0 0 0 0 0 0 125
Year 25 0 0 0 0 0 0 126
Year 26 0 0 0 0 0 0 127
Year 27 0 0 0 0 0 0 128
Year 28 0 0 0 0 0 0 129
Year 29 0 0 0 0 0 0 130
Year 30 0 0 0 0 0 0 131
Year 31 0 0 0 0 0 0 132
Year 32 0 0 0 0 0 0 133
Year 33 0 0 0 0 0 0 134
Year 34 0 0 0 0 0 0 135
Year 35 0 0 0 0 0 0 136
Year 36 0 0 0 0 0 0 137
Year 37 0 0 0 0 0 0 138
Year 38 0 0 0 0 0 0 139
Year 39 0 0 0 0 0 0 140
Year 40 0 0 0 0 0 0 141
Year 41 0 0 0 0 0 0 142
Year 42 0 0 0 0 0 0 143
Year 43 0 0 0 0 0 0 144
Year 44 0 0 0 0 0 0 145
Year 45 0 0 0 0 0 0 146
Year 46 0 0 0 0 0 0 147
Year 47 0 0 0 0 0 0 148
Year 48 0 0 0 0 0 0 149
Year 49 0 0 0 0 0 0 150
Year 50 0 0 0 0 0 0 151
Mortality - Trend Shock Page 87 of 247
Mortality Risk - Shocked CFs for Trend Risk
($'000's )
(Please fill in all unshaded areas)
Year 51 0 0 0 0 0 0 152
Year 52 0 0 0 0 0 0 153
Year 53 0 0 0 0 0 0 154
Year 54 0 0 0 0 0 0 155
Year 55 0 0 0 0 0 0 156
Year 56 0 0 0 0 0 0 157
Year 57 0 0 0 0 0 0 158
Year 58 0 0 0 0 0 0 159
Year 59 0 0 0 0 0 0 160
Year 60 0 0 0 0 0 0 161
Year 61 0 0 0 0 0 0 162
Year 62 0 0 0 0 0 0 163
Year 63 0 0 0 0 0 0 164
Year 64 0 0 0 0 0 0 165
Year 65 0 0 0 0 0 0 166
Year 66 0 0 0 0 0 0 167
Year 67 0 0 0 0 0 0 168
Year 68 0 0 0 0 0 0 169
Year 69 0 0 0 0 0 0 170
Year 70 0 0 0 0 0 0 171
Year 71 0 0 0 0 0 0 172
Year 72 0 0 0 0 0 0 173
Year 73 0 0 0 0 0 0 174
Year 74 0 0 0 0 0 0 175
Year 75 0 0 0 0 0 0 176
Year 76 0 0 0 0 0 0 177
Year 77 0 0 0 0 0 0 178
Year 78 0 0 0 0 0 0 179
Year 79 0 0 0 0 0 0 180
Year 80 0 0 0 0 0 0 181
Year 81 0 0 0 0 0 0 182
Year 82 0 0 0 0 0 0 183
Year 83 0 0 0 0 0 0 184
Year 84 0 0 0 0 0 0 185
Year 85 0 0 0 0 0 0 186
Year 86 0 0 0 0 0 0 187
Year 87 0 0 0 0 0 0 188
Year 88 0 0 0 0 0 0 189
Year 89 0 0 0 0 0 0 190
Year 90 0 0 0 0 0 0 191
Year 91 0 0 0 0 0 0 192
Year 92 0 0 0 0 0 0 193
Year 93 0 0 0 0 0 0 194
Year 94 0 0 0 0 0 0 195
Year 95 0 0 0 0 0 0 196
Year 96 0 0 0 0 0 0 197
Year 97 0 0 0 0 0 0 198
Year 98 0 0 0 0 0 0 199
Year 99 0 0 0 0 0 0 200
Year 100 and beyond 0 0 0 0 0 0 201
Totals 0 0 0 0 0 0 0 0 0 0 202
Notes:
1) Non-Participating Products including non-adjustable universal life
Mortality - Trend Shock Page 88 of 247
Mortality Risk - Shock for Volatility Risk Page 21.300
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008 009 010
Canada USA
Non-Participating Participating UL Adjustable Other Adjustable Total Volatility Non-Participating Participating UL Adjustable Other Adjustable Total Volatility
1 1
Products Products Products Products Risk Buffer Products Products Products Products Risk Buffer
Calculated Value
Notes:
1) Non-Participating Products including non-adjustable universal life
Mortality - Volatility Shock Page 89 of 247
Mortality Risk - Shock for Volatility Risk
($'000's )
(Please fill in all unshaded areas)
011 012 013 014 015 016 017 018 019 020
UK Europe
Non-Participating Participating UL Adjustable Other Adjustable Total Volatility Non-Participating Participating UL Adjustable Other Adjustable Total Volatility
1 1
Products Products Products Products Risk Buffer Products Products Products Products Risk Buffer
Calculated Value
Notes:
1) Non-Participating Products including non-adjustable universal life
Mortality - Volatility Shock Page 90 of 247
Mortality Risk - Shock for Volatility Risk
($'000's )
(Please fill in all unshaded areas)
021 022 023 024 025 026 027 028 029 030
Other Total
Non-Participating Participating UL Adjustable Other Adjustable Total Volatility Non-Participating Participating UL Adjustable Other Adjustable Total Volatility
1 1
Products Products Products Products Risk Buffer Products Products Products Products Risk Buffer
Calculated Value 0 0 0 0 0 001
Notes:
1) Non-Participating Products including non-adjustable universal life
Mortality - Volatility Shock Page 91 of 247
Mortality Risk - Shocked CFs for Catastrophe Risk Page 21.400
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008 009 010
Canada USA
Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Non-Participating Participating UL Adjustable Other Adjustable Total Shocked
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0
Canada - Present Values of Shocked Cash Flows USA - Present Values of Shocked Cash Flows
Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Non-Participating Participating UL Adjustable Other Adjustable Total Shocked
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0
Notes:
1) Non-Participating Products including non-adjustable universal life
Mortality - Catastrophe Shock Page 92 of 247
Mortality Risk - Shocked CFs for Catastrophe Risk
($'000's )
(Please fill in all unshaded areas)
011 012 013 014 015 016 017 018 019 020
UK Europe
Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Non-Participating Participating UL Adjustable Other Adjustable Total Shocked
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0
UK - Present Values of Shocked Cash Flows Europe - Present Values of Shocked Cash Flows
Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Non-Participating Participating UL Adjustable Other Adjustable Total Shocked
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0
Notes:
1) Non-Participating Products including non-adjustable universal life
Mortality - Catastrophe Shock Page 93 of 247
Mortality Risk - Shocked CFs for Catastrophe Risk
($'000's )
(Please fill in all unshaded areas)
021 022 023 024 025 026 027 028 029 030
Other Total
Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Non-Participating Participating UL Adjustable Other Adjustable Total Shocked
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0 0 0 0 0 001
Other - Present Values of Shocked Cash Flows Total - Present Values of Shocked Cash Flows
Non-Participating Participating UL Adjustable Other Adjustable Total Shocked Non-Participating Participating UL Adjustable Other Adjustable Total Shocked
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0 0 0 0 0 002
Notes:
1) Non-Participating Products including non-adjustable universal life
Mortality - Catastrophe Shock Page 94 of 247
Mortality Risk Solvency Buffers Page 30.100
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008 009 010
Canada USA
Non- UL Other Non- UL Other
Participating Participating Adjustable Adjustable Participating Participating Adjustable Adjustable
Total Products1 Products Products Products Total Products1 Products Products Products
PV of Best Estimate Liability Cash Flows 0 0 0 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level Risk 0 0 0 0 0 0 0 0 0 0
Level Risk Solvency Buffer 0 0 0 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows using CIA
prescribed Mortality Improvements (for Life Insurance) 0 0 0 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Trend Risk 0 0 0 0 0 0 0 0 0 0
Trend Risk Solvency Buffer 0 0 0 0 0 0 0 0 0 0
Volatility Risk Calculated amount 0 0 0 0 0 0 0 0 0 0
Less: Solvency buffer related to 15% increase Best Estimate
Mortality Rates calculated for Level Risk in first year only
Volatility Risk Solvency Buffer 0 0 0 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Yr 1 0 0 0 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Catastrophe Risk 0 0 0 0 0 0 0 0 0 0
Catastrophe Risk Solvency Buffer 0 0 0 0 0 0 0 0 0 0
Mortality Risk Solvency Buffers Page 95 of 247
Mortality Risk Solvency Buffers
($'000's )
(Please fill in all unshaded areas)
011 012 013 014 015 016 017 018 019 020
UK Europe
Non- UL Other Non- UL Other
Participating Participating Adjustable Adjustable Participating Participating Adjustable Adjustable
Total Products1 Products Products Products Total Products1 Products Products Products
PV of Best Estimate Liability Cash Flows 0 0 0 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level Risk 0 0 0 0 0 0 0 0 0 0
Level Risk Solvency Buffer 0 0 0 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows using CIA
prescribed Mortality Improvements (for Life Insurance) 0 0 0 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Trend Risk 0 0 0 0 0 0 0 0 0 0
Trend Risk Solvency Buffer 0 0 0 0 0 0 0 0 0 0
Volatility Risk Calculated amount 0 0 0 0 0 0 0 0 0 0
Less: Solvency buffer related to 15% increase Best Estimate
Mortality Rates calculated for Level Risk in first year only
Volatility Risk Solvency Buffer 0 0 0 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Yr 1 0 0 0 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Catastrophe Risk 0 0 0 0 0 0 0 0 0 0
Catastrophe Risk Solvency Buffer 0 0 0 0 0 0 0 0 0 0
Mortality Risk Solvency Buffers Page 96 of 247
Mortality Risk Solvency Buffers
($'000's )
(Please fill in all unshaded areas)
021 022 023 024 025 026 027 028 029 030
Other Total
Non- UL Other Non- Other
Participating Participating Adjustable Adjustable Participating Participating UL Adjustable Adjustable
Total Products1 Products Products Products Total Products1 Products Products Products
PV of Best Estimate Liability Cash Flows 0 0 0 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level Risk 0 0 0 0 0 0 0 0 0 0
Level Risk Solvency Buffer 0 0 0 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows using CIA
prescribed Mortality Improvements (for Life Insurance) 0 0 0 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Trend Risk 0 0 0 0 0 0 0 0 0 0
Trend Risk Solvency Buffer 0 0 0 0 0 0 0 0 0 0
Volatility Risk Calculated amount 0 0 0 0 0 0 0 0 0 0
Less: Solvency buffer related to 15% increase Best Estimate
Mortality Rates calculated for Level Risk in first year only
Volatility Risk Solvency Buffer 0 0 0 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Yr 1 0 0 0 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Catastrophe Risk 0 0 0 0 0 0 0 0 0 0
Catastrophe Risk Solvency Buffer 0 0 0 0 0 0 0 0 0 0
Mortality Risk Solvency Buffers Page 97 of 247
Longevity Risk - Level and Volatility Risks - Shocked CFs by Product Type Page 22.100
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008 009 010 011 012
Canada USA UK
Death Supported Death Supported Death Supported
Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total
Year 1 0 0 0
Year 2 0 0 0
Year 3 0 0 0
Year 4 0 0 0
Year 5 0 0 0
Year 6 0 0 0
Year 7 0 0 0
Year 8 0 0 0
Year 9 0 0 0
Year 10 0 0 0
Year 11 0 0 0
Year 12 0 0 0
Year 13 0 0 0
Year 14 0 0 0
Year 15 0 0 0
Year 16 0 0 0
Year 17 0 0 0
Year 18 0 0 0
Year 19 0 0 0
Year 20 0 0 0
Year 21 0 0 0
Year 22 0 0 0
Year 23 0 0 0
Year 24 0 0 0
Year 25 0 0 0
Year 26 0 0 0
Year 27 0 0 0
Year 28 0 0 0
Year 29 0 0 0
Year 30 0 0 0
Year 31 0 0 0
Year 32 0 0 0
Year 33 0 0 0
Year 34 0 0 0
Year 35 0 0 0
Year 36 0 0 0
Year 37 0 0 0
Year 38 0 0 0
Year 39 0 0 0
Year 40 0 0 0
Year 41 0 0 0
Year 42 0 0 0
Year 43 0 0 0
Year 44 0 0 0
Year 45 0 0 0
Year 46 0 0 0
Year 47 0 0 0
Year 48 0 0 0
Year 49 0 0 0
Year 50 0 0 0
Longevity - Level & Volatility Page 98 of 247
Longevity Risk - Level and Volatility Risks - Shocked CFs by Product Type Page 22.100
($'000's )
(Please fill in all unshaded areas)
Year 51 0 0 0
Year 52 0 0 0
Year 53 0 0 0
Year 54 0 0 0
Year 55 0 0 0
Year 56 0 0 0
Year 57 0 0 0
Year 58 0 0 0
Year 59 0 0 0
Year 60 0 0 0
Year 61 0 0 0
Year 62 0 0 0
Year 63 0 0 0
Year 64 0 0 0
Year 65 0 0 0
Year 66 0 0 0
Year 67 0 0 0
Year 68 0 0 0
Year 69 0 0 0
Year 70 0 0 0
Year 71 0 0 0
Year 72 0 0 0
Year 73 0 0 0
Year 74 0 0 0
Year 75 0 0 0
Year 76 0 0 0
Year 77 0 0 0
Year 78 0 0 0
Year 79 0 0 0
Year 80 0 0 0
Year 81 0 0 0
Year 82 0 0 0
Year 83 0 0 0
Year 84 0 0 0
Year 85 0 0 0
Year 86 0 0 0
Year 87 0 0 0
Year 88 0 0 0
Year 89 0 0 0
Year 90 0 0 0
Year 91 0 0 0
Year 92 0 0 0
Year 93 0 0 0
Year 94 0 0 0
Year 95 0 0 0
Year 96 0 0 0
Year 97 0 0 0
Year 98 0 0 0
Year 99 0 0 0
Year 100 and beyond 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Longevity - Level & Volatility Page 99 of 247
Longevity Risk - Level and Volatility Risks - Shocked CFs by Product Type Page 22.100
($'000's )
(Please fill in all unshaded areas)
Canada - Present Values of Shocked Cash Flows USA - Present Values of Shocked Cash Flows UK - Present Values of Shocked Cash Flows
Death Supported Death Supported Death Supported
Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total
Year 1 0 0 0
Year 2 0 0 0
Year 3 0 0 0
Year 4 0 0 0
Year 5 0 0 0
Year 6 0 0 0
Year 7 0 0 0
Year 8 0 0 0
Year 9 0 0 0
Year 10 0 0 0
Year 11 0 0 0
Year 12 0 0 0
Year 13 0 0 0
Year 14 0 0 0
Year 15 0 0 0
Year 16 0 0 0
Year 17 0 0 0
Year 18 0 0 0
Year 19 0 0 0
Year 20 0 0 0
Year 21 0 0 0
Year 22 0 0 0
Year 23 0 0 0
Year 24 0 0 0
Year 25 0 0 0
Year 26 0 0 0
Year 27 0 0 0
Year 28 0 0 0
Year 29 0 0 0
Year 30 0 0 0
Year 31 0 0 0
Year 32 0 0 0
Year 33 0 0 0
Year 34 0 0 0
Year 35 0 0 0
Year 36 0 0 0
Year 37 0 0 0
Year 38 0 0 0
Year 39 0 0 0
Year 40 0 0 0
Year 41 0 0 0
Year 42 0 0 0
Year 43 0 0 0
Year 44 0 0 0
Year 45 0 0 0
Year 46 0 0 0
Year 47 0 0 0
Year 48 0 0 0
Year 49 0 0 0
Year 50 0 0 0
Longevity - Level & Volatility Page 100 of 247
Longevity Risk - Level and Volatility Risks - Shocked CFs by Product Type Page 22.100
($'000's )
(Please fill in all unshaded areas)
Year 51 0 0 0
Year 52 0 0 0
Year 53 0 0 0
Year 54 0 0 0
Year 55 0 0 0
Year 56 0 0 0
Year 57 0 0 0
Year 58 0 0 0
Year 59 0 0 0
Year 60 0 0 0
Year 61 0 0 0
Year 62 0 0 0
Year 63 0 0 0
Year 64 0 0 0
Year 65 0 0 0
Year 66 0 0 0
Year 67 0 0 0
Year 68 0 0 0
Year 69 0 0 0
Year 70 0 0 0
Year 71 0 0 0
Year 72 0 0 0
Year 73 0 0 0
Year 74 0 0 0
Year 75 0 0 0
Year 76 0 0 0
Year 77 0 0 0
Year 78 0 0 0
Year 79 0 0 0
Year 80 0 0 0
Year 81 0 0 0
Year 82 0 0 0
Year 83 0 0 0
Year 84 0 0 0
Year 85 0 0 0
Year 86 0 0 0
Year 87 0 0 0
Year 88 0 0 0
Year 89 0 0 0
Year 90 0 0 0
Year 91 0 0 0
Year 92 0 0 0
Year 93 0 0 0
Year 94 0 0 0
Year 95 0 0 0
Year 96 0 0 0
Year 97 0 0 0
Year 98 0 0 0
Year 99 0 0 0
Year 100 and beyond 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Longevity - Level & Volatility Page 101 of 247
Longevity Risk - Level and Volatility Risks - Shocked CFs by Product Type
($'000's )
(Please fill in all unshaded areas)
013 014 015 016 017 018 019 020 021 022 023 024
Europe Other Total
Death Supported Death Supported Death Supported
Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total
Year 1 0 0 0 0 0 0
Year 2 0 0 0 0 0 0
Year 3 0 0 0 0 0 0
Year 4 0 0 0 0 0 0
Year 5 0 0 0 0 0 0
Year 6 0 0 0 0 0 0
Year 7 0 0 0 0 0 0
Year 8 0 0 0 0 0 0
Year 9 0 0 0 0 0 0
Year 10 0 0 0 0 0 0
Year 11 0 0 0 0 0 0
Year 12 0 0 0 0 0 0
Year 13 0 0 0 0 0 0
Year 14 0 0 0 0 0 0
Year 15 0 0 0 0 0 0
Year 16 0 0 0 0 0 0
Year 17 0 0 0 0 0 0
Year 18 0 0 0 0 0 0
Year 19 0 0 0 0 0 0
Year 20 0 0 0 0 0 0
Year 21 0 0 0 0 0 0
Year 22 0 0 0 0 0 0
Year 23 0 0 0 0 0 0
Year 24 0 0 0 0 0 0
Year 25 0 0 0 0 0 0
Year 26 0 0 0 0 0 0
Year 27 0 0 0 0 0 0
Year 28 0 0 0 0 0 0
Year 29 0 0 0 0 0 0
Year 30 0 0 0 0 0 0
Year 31 0 0 0 0 0 0
Year 32 0 0 0 0 0 0
Year 33 0 0 0 0 0 0
Year 34 0 0 0 0 0 0
Year 35 0 0 0 0 0 0
Year 36 0 0 0 0 0 0
Year 37 0 0 0 0 0 0
Year 38 0 0 0 0 0 0
Year 39 0 0 0 0 0 0
Year 40 0 0 0 0 0 0
Year 41 0 0 0 0 0 0
Year 42 0 0 0 0 0 0
Year 43 0 0 0 0 0 0
Year 44 0 0 0 0 0 0
Year 45 0 0 0 0 0 0
Year 46 0 0 0 0 0 0
Year 47 0 0 0 0 0 0
Year 48 0 0 0 0 0 0
Year 49 0 0 0 0 0 0
Year 50 0 0 0 0 0 0
Longevity - Level & Volatility Page 102 of 247
Longevity Risk - Level and Volatility Risks - Shocked CFs by Product Type
($'000's )
(Please fill in all unshaded areas)
Year 51 0 0 0 0 0 0
Year 52 0 0 0 0 0 0
Year 53 0 0 0 0 0 0
Year 54 0 0 0 0 0 0
Year 55 0 0 0 0 0 0
Year 56 0 0 0 0 0 0
Year 57 0 0 0 0 0 0
Year 58 0 0 0 0 0 0
Year 59 0 0 0 0 0 0
Year 60 0 0 0 0 0 0
Year 61 0 0 0 0 0 0
Year 62 0 0 0 0 0 0
Year 63 0 0 0 0 0 0
Year 64 0 0 0 0 0 0
Year 65 0 0 0 0 0 0
Year 66 0 0 0 0 0 0
Year 67 0 0 0 0 0 0
Year 68 0 0 0 0 0 0
Year 69 0 0 0 0 0 0
Year 70 0 0 0 0 0 0
Year 71 0 0 0 0 0 0
Year 72 0 0 0 0 0 0
Year 73 0 0 0 0 0 0
Year 74 0 0 0 0 0 0
Year 75 0 0 0 0 0 0
Year 76 0 0 0 0 0 0
Year 77 0 0 0 0 0 0
Year 78 0 0 0 0 0 0
Year 79 0 0 0 0 0 0
Year 80 0 0 0 0 0 0
Year 81 0 0 0 0 0 0
Year 82 0 0 0 0 0 0
Year 83 0 0 0 0 0 0
Year 84 0 0 0 0 0 0
Year 85 0 0 0 0 0 0
Year 86 0 0 0 0 0 0
Year 87 0 0 0 0 0 0
Year 88 0 0 0 0 0 0
Year 89 0 0 0 0 0 0
Year 90 0 0 0 0 0 0
Year 91 0 0 0 0 0 0
Year 92 0 0 0 0 0 0
Year 93 0 0 0 0 0 0
Year 94 0 0 0 0 0 0
Year 95 0 0 0 0 0 0
Year 96 0 0 0 0 0 0
Year 97 0 0 0 0 0 0
Year 98 0 0 0 0 0 0
Year 99 0 0 0 0 0 0
Year 100 and beyond 0 0 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Longevity - Level & Volatility Page 103 of 247
Longevity Risk - Level and Volatility Risks - Shocked CFs by Product Type
($'000's )
(Please fill in all unshaded areas)
Europe - Present Values of Shocked Cash Flows Other - Present Values of Shocked Cash Flows Total - Present Values of Shocked Cash Flows
Death Supported Death Supported Death Supported
Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total
Year 1 0 0 0 0 0 0
Year 2 0 0 0 0 0 0
Year 3 0 0 0 0 0 0
Year 4 0 0 0 0 0 0
Year 5 0 0 0 0 0 0
Year 6 0 0 0 0 0 0
Year 7 0 0 0 0 0 0
Year 8 0 0 0 0 0 0
Year 9 0 0 0 0 0 0
Year 10 0 0 0 0 0 0
Year 11 0 0 0 0 0 0
Year 12 0 0 0 0 0 0
Year 13 0 0 0 0 0 0
Year 14 0 0 0 0 0 0
Year 15 0 0 0 0 0 0
Year 16 0 0 0 0 0 0
Year 17 0 0 0 0 0 0
Year 18 0 0 0 0 0 0
Year 19 0 0 0 0 0 0
Year 20 0 0 0 0 0 0
Year 21 0 0 0 0 0 0
Year 22 0 0 0 0 0 0
Year 23 0 0 0 0 0 0
Year 24 0 0 0 0 0 0
Year 25 0 0 0 0 0 0
Year 26 0 0 0 0 0 0
Year 27 0 0 0 0 0 0
Year 28 0 0 0 0 0 0
Year 29 0 0 0 0 0 0
Year 30 0 0 0 0 0 0
Year 31 0 0 0 0 0 0
Year 32 0 0 0 0 0 0
Year 33 0 0 0 0 0 0
Year 34 0 0 0 0 0 0
Year 35 0 0 0 0 0 0
Year 36 0 0 0 0 0 0
Year 37 0 0 0 0 0 0
Year 38 0 0 0 0 0 0
Year 39 0 0 0 0 0 0
Year 40 0 0 0 0 0 0
Year 41 0 0 0 0 0 0
Year 42 0 0 0 0 0 0
Year 43 0 0 0 0 0 0
Year 44 0 0 0 0 0 0
Year 45 0 0 0 0 0 0
Year 46 0 0 0 0 0 0
Year 47 0 0 0 0 0 0
Year 48 0 0 0 0 0 0
Year 49 0 0 0 0 0 0
Year 50 0 0 0 0 0 0
Longevity - Level & Volatility Page 104 of 247
Longevity Risk - Level and Volatility Risks - Shocked CFs by Product Type
($'000's )
(Please fill in all unshaded areas)
Year 51 0 0 0 0 0 0
Year 52 0 0 0 0 0 0
Year 53 0 0 0 0 0 0
Year 54 0 0 0 0 0 0
Year 55 0 0 0 0 0 0
Year 56 0 0 0 0 0 0
Year 57 0 0 0 0 0 0
Year 58 0 0 0 0 0 0
Year 59 0 0 0 0 0 0
Year 60 0 0 0 0 0 0
Year 61 0 0 0 0 0 0
Year 62 0 0 0 0 0 0
Year 63 0 0 0 0 0 0
Year 64 0 0 0 0 0 0
Year 65 0 0 0 0 0 0
Year 66 0 0 0 0 0 0
Year 67 0 0 0 0 0 0
Year 68 0 0 0 0 0 0
Year 69 0 0 0 0 0 0
Year 70 0 0 0 0 0 0
Year 71 0 0 0 0 0 0
Year 72 0 0 0 0 0 0
Year 73 0 0 0 0 0 0
Year 74 0 0 0 0 0 0
Year 75 0 0 0 0 0 0
Year 76 0 0 0 0 0 0
Year 77 0 0 0 0 0 0
Year 78 0 0 0 0 0 0
Year 79 0 0 0 0 0 0
Year 80 0 0 0 0 0 0
Year 81 0 0 0 0 0 0
Year 82 0 0 0 0 0 0
Year 83 0 0 0 0 0 0
Year 84 0 0 0 0 0 0
Year 85 0 0 0 0 0 0
Year 86 0 0 0 0 0 0
Year 87 0 0 0 0 0 0
Year 88 0 0 0 0 0 0
Year 89 0 0 0 0 0 0
Year 90 0 0 0 0 0 0
Year 91 0 0 0 0 0 0
Year 92 0 0 0 0 0 0
Year 93 0 0 0 0 0 0
Year 94 0 0 0 0 0 0
Year 95 0 0 0 0 0 0
Year 96 0 0 0 0 0 0
Year 97 0 0 0 0 0 0
Year 98 0 0 0 0 0 0
Year 99 0 0 0 0 0 0
Year 100 and beyond 0 0 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Longevity - Level & Volatility Page 105 of 247
Longevity Risk - Trend Risk - Shocked CFs by Product Type Page 22.202
($'000's )
(Please fill in all unshaded areas)
A) Cash flows based on 2010 expected assumptions with the CIA recommended improvement assumption (100% of proposed base mortality improvement rates)
001 002 003 004 005 006 007 008 009 010 011 012
Canada USA UK
Death Supported Death Supported Death Supported
Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total
Year 1 0 0 0
Year 2 0 0 0
Year 3 0 0 0
Year 4 0 0 0
Year 5 0 0 0
Year 6 0 0 0
Year 7 0 0 0
Year 8 0 0 0
Year 9 0 0 0
Year 10 0 0 0
Year 11 0 0 0
Year 12 0 0 0
Year 13 0 0 0
Year 14 0 0 0
Year 15 0 0 0
Year 16 0 0 0
Year 17 0 0 0
Year 18 0 0 0
Year 19 0 0 0
Year 20 0 0 0
Year 21 0 0 0
Year 22 0 0 0
Year 23 0 0 0
Year 24 0 0 0
Year 25 0 0 0
Year 26 0 0 0
Year 27 0 0 0
Year 28 0 0 0
Year 29 0 0 0
Year 30 0 0 0
Year 31 0 0 0
Year 32 0 0 0
Year 33 0 0 0
Year 34 0 0 0
Year 35 0 0 0
Year 36 0 0 0
Year 37 0 0 0
Year 38 0 0 0
Year 39 0 0 0
Year 40 0 0 0
Year 41 0 0 0
Year 42 0 0 0
Year 43 0 0 0
Year 44 0 0 0
Year 45 0 0 0
Year 46 0 0 0
Year 47 0 0 0
Year 48 0 0 0
Year 49 0 0 0
Year 50 0 0 0
Longevity - Trend A Page 106 of 247
Longevity Risk - Trend Risk - Shocked CFs by Product Type Page 22.202
($'000's )
Year 51 0 0 0
Year 52 0 0 0
Year 53 0 0 0
Year 54 0 0 0
Year 55 0 0 0
Year 56 0 0 0
Year 57 0 0 0
Year 58 0 0 0
Year 59 0 0 0
Year 60 0 0 0
Year 61 0 0 0
Year 62 0 0 0
Year 63 0 0 0
Year 64 0 0 0
Year 65 0 0 0
Year 66 0 0 0
Year 67 0 0 0
Year 68 0 0 0
Year 69 0 0 0
Year 70 0 0 0
Year 71 0 0 0
Year 72 0 0 0
Year 73 0 0 0
Year 74 0 0 0
Year 75 0 0 0
Year 76 0 0 0
Year 77 0 0 0
Year 78 0 0 0
Year 79 0 0 0
Year 80 0 0 0
Year 81 0 0 0
Year 82 0 0 0
Year 83 0 0 0
Year 84 0 0 0
Year 85 0 0 0
Year 86 0 0 0
Year 87 0 0 0
Year 88 0 0 0
Year 89 0 0 0
Year 90 0 0 0
Year 91 0 0 0
Year 92 0 0 0
Year 93 0 0 0
Year 94 0 0 0
Year 95 0 0 0
Year 96 0 0 0
Year 97 0 0 0
Year 98 0 0 0
Year 99 0 0 0
Year 100 &
beyond 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Longevity - Trend A Page 107 of 247
Longevity Risk - Trend Risk - Shocked CFs by Product Type Page 22.202
($'000's )
Present Values of Cash Flows based on 2010 expected assumptions with the CIA recommended improvement assumption (100% of proposed base mortality improvement rates)
Canada - Present Values of Cash Flows USA - Present Values of Cash Flows UK - Present Values of Cash Flows
Death Supported Death Supported Death Supported
Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total
Year 1 0 0 0
Year 2 0 0 0
Year 3 0 0 0
Year 4 0 0 0
Year 5 0 0 0
Year 6 0 0 0
Year 7 0 0 0
Year 8 0 0 0
Year 9 0 0 0
Year 10 0 0 0
Year 11 0 0 0
Year 12 0 0 0
Year 13 0 0 0
Year 14 0 0 0
Year 15 0 0 0
Year 16 0 0 0
Year 17 0 0 0
Year 18 0 0 0
Year 19 0 0 0
Year 20 0 0 0
Year 21 0 0 0
Year 22 0 0 0
Year 23 0 0 0
Year 24 0 0 0
Year 25 0 0 0
Year 26 0 0 0
Year 27 0 0 0
Year 28 0 0 0
Year 29 0 0 0
Year 30 0 0 0
Year 31 0 0 0
Year 32 0 0 0
Year 33 0 0 0
Year 34 0 0 0
Year 35 0 0 0
Year 36 0 0 0
Year 37 0 0 0
Year 38 0 0 0
Year 39 0 0 0
Year 40 0 0 0
Year 41 0 0 0
Year 42 0 0 0
Year 43 0 0 0
Year 44 0 0 0
Year 45 0 0 0
Year 46 0 0 0
Year 47 0 0 0
Year 48 0 0 0
Year 49 0 0 0
Year 50 0 0 0
Longevity - Trend A Page 108 of 247
Longevity Risk - Trend Risk - Shocked CFs by Product Type Page 22.202
($'000's )
Year 51 0 0 0
Year 52 0 0 0
Year 53 0 0 0
Year 54 0 0 0
Year 55 0 0 0
Year 56 0 0 0
Year 57 0 0 0
Year 58 0 0 0
Year 59 0 0 0
Year 60 0 0 0
Year 61 0 0 0
Year 62 0 0 0
Year 63 0 0 0
Year 64 0 0 0
Year 65 0 0 0
Year 66 0 0 0
Year 67 0 0 0
Year 68 0 0 0
Year 69 0 0 0
Year 70 0 0 0
Year 71 0 0 0
Year 72 0 0 0
Year 73 0 0 0
Year 74 0 0 0
Year 75 0 0 0
Year 76 0 0 0
Year 77 0 0 0
Year 78 0 0 0
Year 79 0 0 0
Year 80 0 0 0
Year 81 0 0 0
Year 82 0 0 0
Year 83 0 0 0
Year 84 0 0 0
Year 85 0 0 0
Year 86 0 0 0
Year 87 0 0 0
Year 88 0 0 0
Year 89 0 0 0
Year 90 0 0 0
Year 91 0 0 0
Year 92 0 0 0
Year 93 0 0 0
Year 94 0 0 0
Year 95 0 0 0
Year 96 0 0 0
Year 97 0 0 0
Year 98 0 0 0
Year 99 0 0 0
Year 100 &
beyond 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Longevity - Trend A Page 109 of 247
Longevity Risk - Trend Risk - Shocked CFs by Product Type
($'000's )
(Please fill in all unshaded areas)
A) Cash flows based on 2010 expected assumptions with the CIA recommended improvement assumption (100% of proposed base mortality improvement rates)
013 014 015 016 017 018 019 020 021 022 023 024
Europe Other Total
Death Supported Death Supported Death Supported
Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total
Year 1 0 0 0 0 0 0
Year 2 0 0 0 0 0 0
Year 3 0 0 0 0 0 0
Year 4 0 0 0 0 0 0
Year 5 0 0 0 0 0 0
Year 6 0 0 0 0 0 0
Year 7 0 0 0 0 0 0
Year 8 0 0 0 0 0 0
Year 9 0 0 0 0 0 0
Year 10 0 0 0 0 0 0
Year 11 0 0 0 0 0 0
Year 12 0 0 0 0 0 0
Year 13 0 0 0 0 0 0
Year 14 0 0 0 0 0 0
Year 15 0 0 0 0 0 0
Year 16 0 0 0 0 0 0
Year 17 0 0 0 0 0 0
Year 18 0 0 0 0 0 0
Year 19 0 0 0 0 0 0
Year 20 0 0 0 0 0 0
Year 21 0 0 0 0 0 0
Year 22 0 0 0 0 0 0
Year 23 0 0 0 0 0 0
Year 24 0 0 0 0 0 0
Year 25 0 0 0 0 0 0
Year 26 0 0 0 0 0 0
Year 27 0 0 0 0 0 0
Year 28 0 0 0 0 0 0
Year 29 0 0 0 0 0 0
Year 30 0 0 0 0 0 0
Year 31 0 0 0 0 0 0
Year 32 0 0 0 0 0 0
Year 33 0 0 0 0 0 0
Year 34 0 0 0 0 0 0
Year 35 0 0 0 0 0 0
Year 36 0 0 0 0 0 0
Year 37 0 0 0 0 0 0
Year 38 0 0 0 0 0 0
Year 39 0 0 0 0 0 0
Year 40 0 0 0 0 0 0
Year 41 0 0 0 0 0 0
Year 42 0 0 0 0 0 0
Year 43 0 0 0 0 0 0
Year 44 0 0 0 0 0 0
Year 45 0 0 0 0 0 0
Year 46 0 0 0 0 0 0
Year 47 0 0 0 0 0 0
Year 48 0 0 0 0 0 0
Year 49 0 0 0 0 0 0
Year 50 0 0 0 0 0 0
Longevity - Trend A Page 110 of 247
Longevity Risk - Trend Risk - Shocked CFs by Product Type
($'000's )
Year 51 0 0 0 0 0 0
Year 52 0 0 0 0 0 0
Year 53 0 0 0 0 0 0
Year 54 0 0 0 0 0 0
Year 55 0 0 0 0 0 0
Year 56 0 0 0 0 0 0
Year 57 0 0 0 0 0 0
Year 58 0 0 0 0 0 0
Year 59 0 0 0 0 0 0
Year 60 0 0 0 0 0 0
Year 61 0 0 0 0 0 0
Year 62 0 0 0 0 0 0
Year 63 0 0 0 0 0 0
Year 64 0 0 0 0 0 0
Year 65 0 0 0 0 0 0
Year 66 0 0 0 0 0 0
Year 67 0 0 0 0 0 0
Year 68 0 0 0 0 0 0
Year 69 0 0 0 0 0 0
Year 70 0 0 0 0 0 0
Year 71 0 0 0 0 0 0
Year 72 0 0 0 0 0 0
Year 73 0 0 0 0 0 0
Year 74 0 0 0 0 0 0
Year 75 0 0 0 0 0 0
Year 76 0 0 0 0 0 0
Year 77 0 0 0 0 0 0
Year 78 0 0 0 0 0 0
Year 79 0 0 0 0 0 0
Year 80 0 0 0 0 0 0
Year 81 0 0 0 0 0 0
Year 82 0 0 0 0 0 0
Year 83 0 0 0 0 0 0
Year 84 0 0 0 0 0 0
Year 85 0 0 0 0 0 0
Year 86 0 0 0 0 0 0
Year 87 0 0 0 0 0 0
Year 88 0 0 0 0 0 0
Year 89 0 0 0 0 0 0
Year 90 0 0 0 0 0 0
Year 91 0 0 0 0 0 0
Year 92 0 0 0 0 0 0
Year 93 0 0 0 0 0 0
Year 94 0 0 0 0 0 0
Year 95 0 0 0 0 0 0
Year 96 0 0 0 0 0 0
Year 97 0 0 0 0 0 0
Year 98 0 0 0 0 0 0
Year 99 0 0 0 0 0 0
Year 100 &
beyond 0 0 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Longevity - Trend A Page 111 of 247
Longevity Risk - Trend Risk - Shocked CFs by Product Type
($'000's )
Present Values of Cash Flows based on 2010 expected assumptions with the CIA recommended improvement assumption (100% of proposed base mortality improvement rates)
Europe - Present Values of Cash Flows Other - Present Values of Cash Flows Total - Present Values of Cash Flows
Death Supported Death Supported Death Supported
Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total
Year 1 0 0 0 0 0 0
Year 2 0 0 0 0 0 0
Year 3 0 0 0 0 0 0
Year 4 0 0 0 0 0 0
Year 5 0 0 0 0 0 0
Year 6 0 0 0 0 0 0
Year 7 0 0 0 0 0 0
Year 8 0 0 0 0 0 0
Year 9 0 0 0 0 0 0
Year 10 0 0 0 0 0 0
Year 11 0 0 0 0 0 0
Year 12 0 0 0 0 0 0
Year 13 0 0 0 0 0 0
Year 14 0 0 0 0 0 0
Year 15 0 0 0 0 0 0
Year 16 0 0 0 0 0 0
Year 17 0 0 0 0 0 0
Year 18 0 0 0 0 0 0
Year 19 0 0 0 0 0 0
Year 20 0 0 0 0 0 0
Year 21 0 0 0 0 0 0
Year 22 0 0 0 0 0 0
Year 23 0 0 0 0 0 0
Year 24 0 0 0 0 0 0
Year 25 0 0 0 0 0 0
Year 26 0 0 0 0 0 0
Year 27 0 0 0 0 0 0
Year 28 0 0 0 0 0 0
Year 29 0 0 0 0 0 0
Year 30 0 0 0 0 0 0
Year 31 0 0 0 0 0 0
Year 32 0 0 0 0 0 0
Year 33 0 0 0 0 0 0
Year 34 0 0 0 0 0 0
Year 35 0 0 0 0 0 0
Year 36 0 0 0 0 0 0
Year 37 0 0 0 0 0 0
Year 38 0 0 0 0 0 0
Year 39 0 0 0 0 0 0
Year 40 0 0 0 0 0 0
Year 41 0 0 0 0 0 0
Year 42 0 0 0 0 0 0
Year 43 0 0 0 0 0 0
Year 44 0 0 0 0 0 0
Year 45 0 0 0 0 0 0
Year 46 0 0 0 0 0 0
Year 47 0 0 0 0 0 0
Year 48 0 0 0 0 0 0
Year 49 0 0 0 0 0 0
Year 50 0 0 0 0 0 0
Longevity - Trend A Page 112 of 247
Longevity Risk - Trend Risk - Shocked CFs by Product Type
($'000's )
Year 51 0 0 0 0 0 0
Year 52 0 0 0 0 0 0
Year 53 0 0 0 0 0 0
Year 54 0 0 0 0 0 0
Year 55 0 0 0 0 0 0
Year 56 0 0 0 0 0 0
Year 57 0 0 0 0 0 0
Year 58 0 0 0 0 0 0
Year 59 0 0 0 0 0 0
Year 60 0 0 0 0 0 0
Year 61 0 0 0 0 0 0
Year 62 0 0 0 0 0 0
Year 63 0 0 0 0 0 0
Year 64 0 0 0 0 0 0
Year 65 0 0 0 0 0 0
Year 66 0 0 0 0 0 0
Year 67 0 0 0 0 0 0
Year 68 0 0 0 0 0 0
Year 69 0 0 0 0 0 0
Year 70 0 0 0 0 0 0
Year 71 0 0 0 0 0 0
Year 72 0 0 0 0 0 0
Year 73 0 0 0 0 0 0
Year 74 0 0 0 0 0 0
Year 75 0 0 0 0 0 0
Year 76 0 0 0 0 0 0
Year 77 0 0 0 0 0 0
Year 78 0 0 0 0 0 0
Year 79 0 0 0 0 0 0
Year 80 0 0 0 0 0 0
Year 81 0 0 0 0 0 0
Year 82 0 0 0 0 0 0
Year 83 0 0 0 0 0 0
Year 84 0 0 0 0 0 0
Year 85 0 0 0 0 0 0
Year 86 0 0 0 0 0 0
Year 87 0 0 0 0 0 0
Year 88 0 0 0 0 0 0
Year 89 0 0 0 0 0 0
Year 90 0 0 0 0 0 0
Year 91 0 0 0 0 0 0
Year 92 0 0 0 0 0 0
Year 93 0 0 0 0 0 0
Year 94 0 0 0 0 0 0
Year 95 0 0 0 0 0 0
Year 96 0 0 0 0 0 0
Year 97 0 0 0 0 0 0
Year 98 0 0 0 0 0 0
Year 99 0 0 0 0 0 0
Year 100 &
beyond 0 0 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Longevity - Trend A Page 113 of 247
Longevity Risk - Trend Risk - Shocked CFs by Product Type Page 22.203
($'000's )
(Please fill in all unshaded areas)
B) Cash flows based on 2010 expected assumptions with one and a half times the CIA recommended mortality improvement PfADs (175% of the proposed base mortality rate for 25 years and 100% thereafter)
001 002 003 004 005 006 007 008 009 010 011 012
Canada USA UK
Death Supported Death Supported Death Supported
Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total
Year 1 0 0 0
Year 2 0 0 0
Year 3 0 0 0
Year 4 0 0 0
Year 5 0 0 0
Year 6 0 0 0
Year 7 0 0 0
Year 8 0 0 0
Year 9 0 0 0
Year 10 0 0 0
Year 11 0 0 0
Year 12 0 0 0
Year 13 0 0 0
Year 14 0 0 0
Year 15 0 0 0
Year 16 0 0 0
Year 17 0 0 0
Year 18 0 0 0
Year 19 0 0 0
Year 20 0 0 0
Year 21 0 0 0
Year 22 0 0 0
Year 23 0 0 0
Year 24 0 0 0
Year 25 0 0 0
Year 26 0 0 0
Year 27 0 0 0
Year 28 0 0 0
Year 29 0 0 0
Year 30 0 0 0
Year 31 0 0 0
Year 32 0 0 0
Year 33 0 0 0
Year 34 0 0 0
Year 35 0 0 0
Year 36 0 0 0
Year 37 0 0 0
Year 38 0 0 0
Year 39 0 0 0
Year 40 0 0 0
Year 41 0 0 0
Year 42 0 0 0
Year 43 0 0 0
Year 44 0 0 0
Year 45 0 0 0
Year 46 0 0 0
Year 47 0 0 0
Year 48 0 0 0
Year 49 0 0 0
Year 50 0 0 0
Longevity - Trend B Page 114 of 247
Longevity Risk - Trend Risk - Shocked CFs by Product Type Page 22.203
($'000's )
Year 51 0 0 0
Year 52 0 0 0
Year 53 0 0 0
Year 54 0 0 0
Year 55 0 0 0
Year 56 0 0 0
Year 57 0 0 0
Year 58 0 0 0
Year 59 0 0 0
Year 60 0 0 0
Year 61 0 0 0
Year 62 0 0 0
Year 63 0 0 0
Year 64 0 0 0
Year 65 0 0 0
Year 66 0 0 0
Year 67 0 0 0
Year 68 0 0 0
Year 69 0 0 0
Year 70 0 0 0
Year 71 0 0 0
Year 72 0 0 0
Year 73 0 0 0
Year 74 0 0 0
Year 75 0 0 0
Year 76 0 0 0
Year 77 0 0 0
Year 78 0 0 0
Year 79 0 0 0
Year 80 0 0 0
Year 81 0 0 0
Year 82 0 0 0
Year 83 0 0 0
Year 84 0 0 0
Year 85 0 0 0
Year 86 0 0 0
Year 87 0 0 0
Year 88 0 0 0
Year 89 0 0 0
Year 90 0 0 0
Year 91 0 0 0
Year 92 0 0 0
Year 93 0 0 0
Year 94 0 0 0
Year 95 0 0 0
Year 96 0 0 0
Year 97 0 0 0
Year 98 0 0 0
Year 99 0 0 0
Year 100 &
beyond 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Longevity - Trend B Page 115 of 247
Longevity Risk - Trend Risk - Shocked CFs by Product Type Page 22.203
($'000's )
Present Values of Cash Flows based on 2010 expected assumptions with one and a half times the CIA recommended mortality improvement PfADs (175% of the proposed base mortality rate for 25 years and 100% thereafter)
Canada - Present Values of Cash Flows USA - Present Values of Cash Flows UK - Present Values of Cash Flows
Death Supported Death Supported Death Supported
Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total
Year 1 0 0 0
Year 2 0 0 0
Year 3 0 0 0
Year 4 0 0 0
Year 5 0 0 0
Year 6 0 0 0
Year 7 0 0 0
Year 8 0 0 0
Year 9 0 0 0
Year 10 0 0 0
Year 11 0 0 0
Year 12 0 0 0
Year 13 0 0 0
Year 14 0 0 0
Year 15 0 0 0
Year 16 0 0 0
Year 17 0 0 0
Year 18 0 0 0
Year 19 0 0 0
Year 20 0 0 0
Year 21 0 0 0
Year 22 0 0 0
Year 23 0 0 0
Year 24 0 0 0
Year 25 0 0 0
Year 26 0 0 0
Year 27 0 0 0
Year 28 0 0 0
Year 29 0 0 0
Year 30 0 0 0
Year 31 0 0 0
Year 32 0 0 0
Year 33 0 0 0
Year 34 0 0 0
Year 35 0 0 0
Year 36 0 0 0
Year 37 0 0 0
Year 38 0 0 0
Year 39 0 0 0
Year 40 0 0 0
Year 41 0 0 0
Year 42 0 0 0
Year 43 0 0 0
Year 44 0 0 0
Year 45 0 0 0
Year 46 0 0 0
Year 47 0 0 0
Year 48 0 0 0
Year 49 0 0 0
Year 50 0 0 0
Longevity - Trend B Page 116 of 247
Longevity Risk - Trend Risk - Shocked CFs by Product Type Page 22.203
($'000's )
Year 51 0 0 0
Year 52 0 0 0
Year 53 0 0 0
Year 54 0 0 0
Year 55 0 0 0
Year 56 0 0 0
Year 57 0 0 0
Year 58 0 0 0
Year 59 0 0 0
Year 60 0 0 0
Year 61 0 0 0
Year 62 0 0 0
Year 63 0 0 0
Year 64 0 0 0
Year 65 0 0 0
Year 66 0 0 0
Year 67 0 0 0
Year 68 0 0 0
Year 69 0 0 0
Year 70 0 0 0
Year 71 0 0 0
Year 72 0 0 0
Year 73 0 0 0
Year 74 0 0 0
Year 75 0 0 0
Year 76 0 0 0
Year 77 0 0 0
Year 78 0 0 0
Year 79 0 0 0
Year 80 0 0 0
Year 81 0 0 0
Year 82 0 0 0
Year 83 0 0 0
Year 84 0 0 0
Year 85 0 0 0
Year 86 0 0 0
Year 87 0 0 0
Year 88 0 0 0
Year 89 0 0 0
Year 90 0 0 0
Year 91 0 0 0
Year 92 0 0 0
Year 93 0 0 0
Year 94 0 0 0
Year 95 0 0 0
Year 96 0 0 0
Year 97 0 0 0
Year 98 0 0 0
Year 99 0 0 0
Year 100 &
beyond 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Longevity - Trend B Page 117 of 247
Longevity Risk - Trend Risk - Shocked CFs by Product Type
($'000's )
(Please fill in all unshaded areas)
B) Cash flows based on 2010 expected assumptions with one and a half times the CIA recommended mortality improvement PfADs (175% of the proposed base mortality rate for 25 years and 100% thereafter)
013 014 015 016 017 018 019 020 021 022 023 024
Europe Other Total
Death Supported Death Supported Death Supported
Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total
Year 1 0 0 0 0 0 0
Year 2 0 0 0 0 0 0
Year 3 0 0 0 0 0 0
Year 4 0 0 0 0 0 0
Year 5 0 0 0 0 0 0
Year 6 0 0 0 0 0 0
Year 7 0 0 0 0 0 0
Year 8 0 0 0 0 0 0
Year 9 0 0 0 0 0 0
Year 10 0 0 0 0 0 0
Year 11 0 0 0 0 0 0
Year 12 0 0 0 0 0 0
Year 13 0 0 0 0 0 0
Year 14 0 0 0 0 0 0
Year 15 0 0 0 0 0 0
Year 16 0 0 0 0 0 0
Year 17 0 0 0 0 0 0
Year 18 0 0 0 0 0 0
Year 19 0 0 0 0 0 0
Year 20 0 0 0 0 0 0
Year 21 0 0 0 0 0 0
Year 22 0 0 0 0 0 0
Year 23 0 0 0 0 0 0
Year 24 0 0 0 0 0 0
Year 25 0 0 0 0 0 0
Year 26 0 0 0 0 0 0
Year 27 0 0 0 0 0 0
Year 28 0 0 0 0 0 0
Year 29 0 0 0 0 0 0
Year 30 0 0 0 0 0 0
Year 31 0 0 0 0 0 0
Year 32 0 0 0 0 0 0
Year 33 0 0 0 0 0 0
Year 34 0 0 0 0 0 0
Year 35 0 0 0 0 0 0
Year 36 0 0 0 0 0 0
Year 37 0 0 0 0 0 0
Year 38 0 0 0 0 0 0
Year 39 0 0 0 0 0 0
Year 40 0 0 0 0 0 0
Year 41 0 0 0 0 0 0
Year 42 0 0 0 0 0 0
Year 43 0 0 0 0 0 0
Year 44 0 0 0 0 0 0
Year 45 0 0 0 0 0 0
Year 46 0 0 0 0 0 0
Year 47 0 0 0 0 0 0
Year 48 0 0 0 0 0 0
Year 49 0 0 0 0 0 0
Year 50 0 0 0 0 0 0
Longevity - Trend B Page 118 of 247
Longevity Risk - Trend Risk - Shocked CFs by Product Type
($'000's )
Year 51 0 0 0 0 0 0
Year 52 0 0 0 0 0 0
Year 53 0 0 0 0 0 0
Year 54 0 0 0 0 0 0
Year 55 0 0 0 0 0 0
Year 56 0 0 0 0 0 0
Year 57 0 0 0 0 0 0
Year 58 0 0 0 0 0 0
Year 59 0 0 0 0 0 0
Year 60 0 0 0 0 0 0
Year 61 0 0 0 0 0 0
Year 62 0 0 0 0 0 0
Year 63 0 0 0 0 0 0
Year 64 0 0 0 0 0 0
Year 65 0 0 0 0 0 0
Year 66 0 0 0 0 0 0
Year 67 0 0 0 0 0 0
Year 68 0 0 0 0 0 0
Year 69 0 0 0 0 0 0
Year 70 0 0 0 0 0 0
Year 71 0 0 0 0 0 0
Year 72 0 0 0 0 0 0
Year 73 0 0 0 0 0 0
Year 74 0 0 0 0 0 0
Year 75 0 0 0 0 0 0
Year 76 0 0 0 0 0 0
Year 77 0 0 0 0 0 0
Year 78 0 0 0 0 0 0
Year 79 0 0 0 0 0 0
Year 80 0 0 0 0 0 0
Year 81 0 0 0 0 0 0
Year 82 0 0 0 0 0 0
Year 83 0 0 0 0 0 0
Year 84 0 0 0 0 0 0
Year 85 0 0 0 0 0 0
Year 86 0 0 0 0 0 0
Year 87 0 0 0 0 0 0
Year 88 0 0 0 0 0 0
Year 89 0 0 0 0 0 0
Year 90 0 0 0 0 0 0
Year 91 0 0 0 0 0 0
Year 92 0 0 0 0 0 0
Year 93 0 0 0 0 0 0
Year 94 0 0 0 0 0 0
Year 95 0 0 0 0 0 0
Year 96 0 0 0 0 0 0
Year 97 0 0 0 0 0 0
Year 98 0 0 0 0 0 0
Year 99 0 0 0 0 0 0
Year 100 &
beyond 0 0 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Longevity - Trend B Page 119 of 247
Longevity Risk - Trend Risk - Shocked CFs by Product Type
($'000's )
Present Values of Cash Flows based on 2010 expected assumptions with one and a half times the CIA recommended mortality improvement PfADs (175% of the proposed base mortality rate for 25 years and 100% thereafter)
Europe - Present Values of Cash Flows Other - Present Values of Cash Flows Total - Present Values of Cash Flows
Death Supported Death Supported Death Supported
Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total Registered Non-Registered Life Insurance Total
Year 1 0 0 0 0 0 0
Year 2 0 0 0 0 0 0
Year 3 0 0 0 0 0 0
Year 4 0 0 0 0 0 0
Year 5 0 0 0 0 0 0
Year 6 0 0 0 0 0 0
Year 7 0 0 0 0 0 0
Year 8 0 0 0 0 0 0
Year 9 0 0 0 0 0 0
Year 10 0 0 0 0 0 0
Year 11 0 0 0 0 0 0
Year 12 0 0 0 0 0 0
Year 13 0 0 0 0 0 0
Year 14 0 0 0 0 0 0
Year 15 0 0 0 0 0 0
Year 16 0 0 0 0 0 0
Year 17 0 0 0 0 0 0
Year 18 0 0 0 0 0 0
Year 19 0 0 0 0 0 0
Year 20 0 0 0 0 0 0
Year 21 0 0 0 0 0 0
Year 22 0 0 0 0 0 0
Year 23 0 0 0 0 0 0
Year 24 0 0 0 0 0 0
Year 25 0 0 0 0 0 0
Year 26 0 0 0 0 0 0
Year 27 0 0 0 0 0 0
Year 28 0 0 0 0 0 0
Year 29 0 0 0 0 0 0
Year 30 0 0 0 0 0 0
Year 31 0 0 0 0 0 0
Year 32 0 0 0 0 0 0
Year 33 0 0 0 0 0 0
Year 34 0 0 0 0 0 0
Year 35 0 0 0 0 0 0
Year 36 0 0 0 0 0 0
Year 37 0 0 0 0 0 0
Year 38 0 0 0 0 0 0
Year 39 0 0 0 0 0 0
Year 40 0 0 0 0 0 0
Year 41 0 0 0 0 0 0
Year 42 0 0 0 0 0 0
Year 43 0 0 0 0 0 0
Year 44 0 0 0 0 0 0
Year 45 0 0 0 0 0 0
Year 46 0 0 0 0 0 0
Year 47 0 0 0 0 0 0
Year 48 0 0 0 0 0 0
Year 49 0 0 0 0 0 0
Year 50 0 0 0 0 0 0
Longevity - Trend B Page 120 of 247
Longevity Risk - Trend Risk - Shocked CFs by Product Type
($'000's )
Year 51 0 0 0 0 0 0
Year 52 0 0 0 0 0 0
Year 53 0 0 0 0 0 0
Year 54 0 0 0 0 0 0
Year 55 0 0 0 0 0 0
Year 56 0 0 0 0 0 0
Year 57 0 0 0 0 0 0
Year 58 0 0 0 0 0 0
Year 59 0 0 0 0 0 0
Year 60 0 0 0 0 0 0
Year 61 0 0 0 0 0 0
Year 62 0 0 0 0 0 0
Year 63 0 0 0 0 0 0
Year 64 0 0 0 0 0 0
Year 65 0 0 0 0 0 0
Year 66 0 0 0 0 0 0
Year 67 0 0 0 0 0 0
Year 68 0 0 0 0 0 0
Year 69 0 0 0 0 0 0
Year 70 0 0 0 0 0 0
Year 71 0 0 0 0 0 0
Year 72 0 0 0 0 0 0
Year 73 0 0 0 0 0 0
Year 74 0 0 0 0 0 0
Year 75 0 0 0 0 0 0
Year 76 0 0 0 0 0 0
Year 77 0 0 0 0 0 0
Year 78 0 0 0 0 0 0
Year 79 0 0 0 0 0 0
Year 80 0 0 0 0 0 0
Year 81 0 0 0 0 0 0
Year 82 0 0 0 0 0 0
Year 83 0 0 0 0 0 0
Year 84 0 0 0 0 0 0
Year 85 0 0 0 0 0 0
Year 86 0 0 0 0 0 0
Year 87 0 0 0 0 0 0
Year 88 0 0 0 0 0 0
Year 89 0 0 0 0 0 0
Year 90 0 0 0 0 0 0
Year 91 0 0 0 0 0 0
Year 92 0 0 0 0 0 0
Year 93 0 0 0 0 0 0
Year 94 0 0 0 0 0 0
Year 95 0 0 0 0 0 0
Year 96 0 0 0 0 0 0
Year 97 0 0 0 0 0 0
Year 98 0 0 0 0 0 0
Year 99 0 0 0 0 0 0
Year 100 &
beyond 0 0 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Longevity - Trend B Page 121 of 247
Longevity Risk Solvency Buffers Page 30.200
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008
Canada USA
Death Death
Supported Supported
Non- Life Non- Life
Total Registered Registered Insurance Total Registered Registered Insurance
PV of Best Estimate Liability Cash Flows 0 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Volatility Risk 0 0 0 0 0 0 0 0
Level & Volatility Risk Solvency Buffer 0 0 0 0 0 0 0 0
Longevity Risk Solvency Buffers Page 122 of 247
Longevity Risk Solvency Buffers
($'000's )
(Please fill in all unshaded areas)
009 010 011 012 013 014 015 016
UK Europe
Death Death
Non- Supported Non- Supported
Total Registered Registered Life Insurance Total Registered Registered Life Insurance
PV of Best Estimate Liability Cash Flows 0 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Volatility Risk 0 0 0 0 0 0 0 0
Level & Volatility Risk Solvency Buffer 0 0 0 0 0 0 0 0
Longevity Risk Solvency Buffers Page 123 of 247
Longevity Risk Solvency Buffers
($'000's )
(Please fill in all unshaded areas)
017 018 019 020 021 022 023 024
Other Total
Death Death
Non- Supported Non- Supported
Total Registered Registered Life Insurance Total Registered Registered Life Insurance
PV of Best Estimate Liability Cash Flows 0 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Volatility Risk 0 0 0 0 0 0 0 0
Level & Volatility Risk Solvency Buffer 0 0 0 0 0 0 0 0
Longevity Risk Solvency Buffers Page 124 of 247
Mortality & Longevity Offset Page 30.250
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008 009 010 011 012
Canada
Mortality Risk: CFs with shocked mortality Mortality Risk: CFs with best estimate mortality Longevity Risk: CFs with shocked mortality Longevity Risk: CFs with best estimate mortality
improvement improvement improvement improvement
Under attained Over attained Under attained Over attained Under attained Over attained Under attained Over attained
age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total
Year 1 0 0 0 0
Year 2 0 0 0 0
Year 3 0 0 0 0
Year 4 0 0 0 0
Year 5 0 0 0 0
Year 6 0 0 0 0
Year 7 0 0 0 0
Year 8 0 0 0 0
Year 9 0 0 0 0
Year 10 0 0 0 0
Year 11 0 0 0 0
Year 12 0 0 0 0
Year 13 0 0 0 0
Year 14 0 0 0 0
Year 15 0 0 0 0
Year 16 0 0 0 0
Year 17 0 0 0 0
Year 18 0 0 0 0
Year 19 0 0 0 0
Year 20 0 0 0 0
Year 21 0 0 0 0
Year 22 0 0 0 0
Year 23 0 0 0 0
Year 24 0 0 0 0
Year 25 0 0 0 0
Year 26 0 0 0 0
Year 27 0 0 0 0
Year 28 0 0 0 0
Year 29 0 0 0 0
Year 30 0 0 0 0
Year 31 0 0 0 0
Year 32 0 0 0 0
Year 33 0 0 0 0
Year 34 0 0 0 0
Year 35 0 0 0 0
Year 36 0 0 0 0
Year 37 0 0 0 0
Year 38 0 0 0 0
Year 39 0 0 0 0
Year 40 0 0 0 0
Year 41 0 0 0 0
Year 42 0 0 0 0
Year 43 0 0 0 0
Year 44 0 0 0 0
Year 45 0 0 0 0
Year 46 0 0 0 0
Year 47 0 0 0 0
Year 48 0 0 0 0
Year 49 0 0 0 0
Year 50 0 0 0 0
Mortality & Longevity Offset Page 125 of 247
Mortality & Longevity Offset Page 30.250
($'000's )
Year 51 0 0 0 0
Year 52 0 0 0 0
Year 53 0 0 0 0
Year 54 0 0 0 0
Year 55 0 0 0 0
Year 56 0 0 0 0
Year 57 0 0 0 0
Year 58 0 0 0 0
Year 59 0 0 0 0
Year 60 0 0 0 0
Year 61 0 0 0 0
Year 62 0 0 0 0
Year 63 0 0 0 0
Year 64 0 0 0 0
Year 65 0 0 0 0
Year 66 0 0 0 0
Year 67 0 0 0 0
Year 68 0 0 0 0
Year 69 0 0 0 0
Year 70 0 0 0 0
Year 71 0 0 0 0
Year 72 0 0 0 0
Year 73 0 0 0 0
Year 74 0 0 0 0
Year 75 0 0 0 0
Year 76 0 0 0 0
Year 77 0 0 0 0
Year 78 0 0 0 0
Year 79 0 0 0 0
Year 80 0 0 0 0
Year 81 0 0 0 0
Year 82 0 0 0 0
Year 83 0 0 0 0
Year 84 0 0 0 0
Year 85 0 0 0 0
Year 86 0 0 0 0
Year 87 0 0 0 0
Year 88 0 0 0 0
Year 89 0 0 0 0
Year 90 0 0 0 0
Year 91 0 0 0 0
Year 92 0 0 0 0
Year 93 0 0 0 0
Year 94 0 0 0 0
Year 95 0 0 0 0
Year 96 0 0 0 0
Year 97 0 0 0 0
Year 98 0 0 0 0
Year 99 0 0 0 0
Year 100 &
beyond 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Mortality & Longevity Offset Page 126 of 247
Mortality & Longevity Offset Page 30.250
($'000's )
Canada - Present Values of Shocked Cash Flows
Mortality Risk: PV of CFs with shocked mortality Mortality Risk: PV of CFs with best estimate Longevity Risk: PV of CFs with shocked Longevity Risk: PV of CFs with best estimate
improvement mortality improvement mortality improvement mortality improvement
Under attained Over attained Under attained Over attained Under attained Over attained Under attained Over attained
age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total
Year 1 0 0 0 0
Year 2 0 0 0 0
Year 3 0 0 0 0
Year 4 0 0 0 0
Year 5 0 0 0 0
Year 6 0 0 0 0
Year 7 0 0 0 0
Year 8 0 0 0 0
Year 9 0 0 0 0
Year 10 0 0 0 0
Year 11 0 0 0 0
Year 12 0 0 0 0
Year 13 0 0 0 0
Year 14 0 0 0 0
Year 15 0 0 0 0
Year 16 0 0 0 0
Year 17 0 0 0 0
Year 18 0 0 0 0
Year 19 0 0 0 0
Year 20 0 0 0 0
Year 21 0 0 0 0
Year 22 0 0 0 0
Year 23 0 0 0 0
Year 24 0 0 0 0
Year 25 0 0 0 0
Year 26 0 0 0 0
Year 27 0 0 0 0
Year 28 0 0 0 0
Year 29 0 0 0 0
Year 30 0 0 0 0
Year 31 0 0 0 0
Year 32 0 0 0 0
Year 33 0 0 0 0
Year 34 0 0 0 0
Year 35 0 0 0 0
Year 36 0 0 0 0
Year 37 0 0 0 0
Year 38 0 0 0 0
Year 39 0 0 0 0
Year 40 0 0 0 0
Year 41 0 0 0 0
Year 42 0 0 0 0
Year 43 0 0 0 0
Year 44 0 0 0 0
Year 45 0 0 0 0
Year 46 0 0 0 0
Year 47 0 0 0 0
Year 48 0 0 0 0
Year 49 0 0 0 0
Year 50 0 0 0 0
Mortality & Longevity Offset Page 127 of 247
Mortality & Longevity Offset Page 30.250
($'000's )
Year 51 0 0 0 0
Year 52 0 0 0 0
Year 53 0 0 0 0
Year 54 0 0 0 0
Year 55 0 0 0 0
Year 56 0 0 0 0
Year 57 0 0 0 0
Year 58 0 0 0 0
Year 59 0 0 0 0
Year 60 0 0 0 0
Year 61 0 0 0 0
Year 62 0 0 0 0
Year 63 0 0 0 0
Year 64 0 0 0 0
Year 65 0 0 0 0
Year 66 0 0 0 0
Year 67 0 0 0 0
Year 68 0 0 0 0
Year 69 0 0 0 0
Year 70 0 0 0 0
Year 71 0 0 0 0
Year 72 0 0 0 0
Year 73 0 0 0 0
Year 74 0 0 0 0
Year 75 0 0 0 0
Year 76 0 0 0 0
Year 77 0 0 0 0
Year 78 0 0 0 0
Year 79 0 0 0 0
Year 80 0 0 0 0
Year 81 0 0 0 0
Year 82 0 0 0 0
Year 83 0 0 0 0
Year 84 0 0 0 0
Year 85 0 0 0 0
Year 86 0 0 0 0
Year 87 0 0 0 0
Year 88 0 0 0 0
Year 89 0 0 0 0
Year 90 0 0 0 0
Year 91 0 0 0 0
Year 92 0 0 0 0
Year 93 0 0 0 0
Year 94 0 0 0 0
Year 95 0 0 0 0
Year 96 0 0 0 0
Year 97 0 0 0 0
Year 98 0 0 0 0
Year 99 0 0 0 0
Year 100 &
beyond 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Mortality & Longevity Offset Page 128 of 247
Mortality & Longevity Offset
($'000's )
(Please fill in all unshaded areas)
013 014 015 016 017 018 019 020 021 022 023 024
USA
Mortality Risk: CFs with shocked mortality Mortality Risk: CFs with best estimate mortality Longevity Risk: CFs with shocked mortality Longevity Risk: CFs with best estimate mortality
improvement improvement improvement improvement
Under attained Over attained Under attained Over attained Under attained Over attained Under attained Over attained
age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total
Year 1 0 0 0 0
Year 2 0 0 0 0
Year 3 0 0 0 0
Year 4 0 0 0 0
Year 5 0 0 0 0
Year 6 0 0 0 0
Year 7 0 0 0 0
Year 8 0 0 0 0
Year 9 0 0 0 0
Year 10 0 0 0 0
Year 11 0 0 0 0
Year 12 0 0 0 0
Year 13 0 0 0 0
Year 14 0 0 0 0
Year 15 0 0 0 0
Year 16 0 0 0 0
Year 17 0 0 0 0
Year 18 0 0 0 0
Year 19 0 0 0 0
Year 20 0 0 0 0
Year 21 0 0 0 0
Year 22 0 0 0 0
Year 23 0 0 0 0
Year 24 0 0 0 0
Year 25 0 0 0 0
Year 26 0 0 0 0
Year 27 0 0 0 0
Year 28 0 0 0 0
Year 29 0 0 0 0
Year 30 0 0 0 0
Year 31 0 0 0 0
Year 32 0 0 0 0
Year 33 0 0 0 0
Year 34 0 0 0 0
Year 35 0 0 0 0
Year 36 0 0 0 0
Year 37 0 0 0 0
Year 38 0 0 0 0
Year 39 0 0 0 0
Year 40 0 0 0 0
Year 41 0 0 0 0
Year 42 0 0 0 0
Year 43 0 0 0 0
Year 44 0 0 0 0
Year 45 0 0 0 0
Year 46 0 0 0 0
Year 47 0 0 0 0
Year 48 0 0 0 0
Year 49 0 0 0 0
Year 50 0 0 0 0
Mortality & Longevity Offset Page 129 of 247
Mortality & Longevity Offset
($'000's )
Year 51 0 0 0 0
Year 52 0 0 0 0
Year 53 0 0 0 0
Year 54 0 0 0 0
Year 55 0 0 0 0
Year 56 0 0 0 0
Year 57 0 0 0 0
Year 58 0 0 0 0
Year 59 0 0 0 0
Year 60 0 0 0 0
Year 61 0 0 0 0
Year 62 0 0 0 0
Year 63 0 0 0 0
Year 64 0 0 0 0
Year 65 0 0 0 0
Year 66 0 0 0 0
Year 67 0 0 0 0
Year 68 0 0 0 0
Year 69 0 0 0 0
Year 70 0 0 0 0
Year 71 0 0 0 0
Year 72 0 0 0 0
Year 73 0 0 0 0
Year 74 0 0 0 0
Year 75 0 0 0 0
Year 76 0 0 0 0
Year 77 0 0 0 0
Year 78 0 0 0 0
Year 79 0 0 0 0
Year 80 0 0 0 0
Year 81 0 0 0 0
Year 82 0 0 0 0
Year 83 0 0 0 0
Year 84 0 0 0 0
Year 85 0 0 0 0
Year 86 0 0 0 0
Year 87 0 0 0 0
Year 88 0 0 0 0
Year 89 0 0 0 0
Year 90 0 0 0 0
Year 91 0 0 0 0
Year 92 0 0 0 0
Year 93 0 0 0 0
Year 94 0 0 0 0
Year 95 0 0 0 0
Year 96 0 0 0 0
Year 97 0 0 0 0
Year 98 0 0 0 0
Year 99 0 0 0 0
Year 100 &
beyond 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Mortality & Longevity Offset Page 130 of 247
Mortality & Longevity Offset
($'000's )
USA - Present Values of Shocked Cash Flows
Mortality Risk: PV of CFs with shocked mortality Mortality Risk: PV of CFs with best estimate Longevity Risk: PV of CFs with shocked Longevity Risk: PV of CFs with best estimate
improvement mortality improvement mortality improvement mortality improvement
Under attained Over attained Under attained Over attained Under attained Over attained Under attained Over attained
age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total
Year 1 0 0 0 0
Year 2 0 0 0 0
Year 3 0 0 0 0
Year 4 0 0 0 0
Year 5 0 0 0 0
Year 6 0 0 0 0
Year 7 0 0 0 0
Year 8 0 0 0 0
Year 9 0 0 0 0
Year 10 0 0 0 0
Year 11 0 0 0 0
Year 12 0 0 0 0
Year 13 0 0 0 0
Year 14 0 0 0 0
Year 15 0 0 0 0
Year 16 0 0 0 0
Year 17 0 0 0 0
Year 18 0 0 0 0
Year 19 0 0 0 0
Year 20 0 0 0 0
Year 21 0 0 0 0
Year 22 0 0 0 0
Year 23 0 0 0 0
Year 24 0 0 0 0
Year 25 0 0 0 0
Year 26 0 0 0 0
Year 27 0 0 0 0
Year 28 0 0 0 0
Year 29 0 0 0 0
Year 30 0 0 0 0
Year 31 0 0 0 0
Year 32 0 0 0 0
Year 33 0 0 0 0
Year 34 0 0 0 0
Year 35 0 0 0 0
Year 36 0 0 0 0
Year 37 0 0 0 0
Year 38 0 0 0 0
Year 39 0 0 0 0
Year 40 0 0 0 0
Year 41 0 0 0 0
Year 42 0 0 0 0
Year 43 0 0 0 0
Year 44 0 0 0 0
Year 45 0 0 0 0
Year 46 0 0 0 0
Year 47 0 0 0 0
Year 48 0 0 0 0
Year 49 0 0 0 0
Year 50 0 0 0 0
Mortality & Longevity Offset Page 131 of 247
Mortality & Longevity Offset
($'000's )
Year 51 0 0 0 0
Year 52 0 0 0 0
Year 53 0 0 0 0
Year 54 0 0 0 0
Year 55 0 0 0 0
Year 56 0 0 0 0
Year 57 0 0 0 0
Year 58 0 0 0 0
Year 59 0 0 0 0
Year 60 0 0 0 0
Year 61 0 0 0 0
Year 62 0 0 0 0
Year 63 0 0 0 0
Year 64 0 0 0 0
Year 65 0 0 0 0
Year 66 0 0 0 0
Year 67 0 0 0 0
Year 68 0 0 0 0
Year 69 0 0 0 0
Year 70 0 0 0 0
Year 71 0 0 0 0
Year 72 0 0 0 0
Year 73 0 0 0 0
Year 74 0 0 0 0
Year 75 0 0 0 0
Year 76 0 0 0 0
Year 77 0 0 0 0
Year 78 0 0 0 0
Year 79 0 0 0 0
Year 80 0 0 0 0
Year 81 0 0 0 0
Year 82 0 0 0 0
Year 83 0 0 0 0
Year 84 0 0 0 0
Year 85 0 0 0 0
Year 86 0 0 0 0
Year 87 0 0 0 0
Year 88 0 0 0 0
Year 89 0 0 0 0
Year 90 0 0 0 0
Year 91 0 0 0 0
Year 92 0 0 0 0
Year 93 0 0 0 0
Year 94 0 0 0 0
Year 95 0 0 0 0
Year 96 0 0 0 0
Year 97 0 0 0 0
Year 98 0 0 0 0
Year 99 0 0 0 0
Year 100 &
beyond 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Mortality & Longevity Offset Page 132 of 247
Mortality & Longevity Offset
($'000's )
(Please fill in all unshaded areas)
025 026 027 028 029 030 031 032 033 034 035 036
UK
Mortality Risk: CFs with shocked mortality Mortality Risk: CFs with best estimate mortality Longevity Risk: CFs with shocked mortality Longevity Risk: CFs with best estimate mortality
improvement improvement improvement improvement
Under attained Over attained Under attained Over attained Under attained Over attained Under attained Over attained
age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total
Year 1 0 0 0 0
Year 2 0 0 0 0
Year 3 0 0 0 0
Year 4 0 0 0 0
Year 5 0 0 0 0
Year 6 0 0 0 0
Year 7 0 0 0 0
Year 8 0 0 0 0
Year 9 0 0 0 0
Year 10 0 0 0 0
Year 11 0 0 0 0
Year 12 0 0 0 0
Year 13 0 0 0 0
Year 14 0 0 0 0
Year 15 0 0 0 0
Year 16 0 0 0 0
Year 17 0 0 0 0
Year 18 0 0 0 0
Year 19 0 0 0 0
Year 20 0 0 0 0
Year 21 0 0 0 0
Year 22 0 0 0 0
Year 23 0 0 0 0
Year 24 0 0 0 0
Year 25 0 0 0 0
Year 26 0 0 0 0
Year 27 0 0 0 0
Year 28 0 0 0 0
Year 29 0 0 0 0
Year 30 0 0 0 0
Year 31 0 0 0 0
Year 32 0 0 0 0
Year 33 0 0 0 0
Year 34 0 0 0 0
Year 35 0 0 0 0
Year 36 0 0 0 0
Year 37 0 0 0 0
Year 38 0 0 0 0
Year 39 0 0 0 0
Year 40 0 0 0 0
Year 41 0 0 0 0
Year 42 0 0 0 0
Year 43 0 0 0 0
Year 44 0 0 0 0
Year 45 0 0 0 0
Year 46 0 0 0 0
Year 47 0 0 0 0
Year 48 0 0 0 0
Year 49 0 0 0 0
Year 50 0 0 0 0
Mortality & Longevity Offset Page 133 of 247
Mortality & Longevity Offset
($'000's )
Year 51 0 0 0 0
Year 52 0 0 0 0
Year 53 0 0 0 0
Year 54 0 0 0 0
Year 55 0 0 0 0
Year 56 0 0 0 0
Year 57 0 0 0 0
Year 58 0 0 0 0
Year 59 0 0 0 0
Year 60 0 0 0 0
Year 61 0 0 0 0
Year 62 0 0 0 0
Year 63 0 0 0 0
Year 64 0 0 0 0
Year 65 0 0 0 0
Year 66 0 0 0 0
Year 67 0 0 0 0
Year 68 0 0 0 0
Year 69 0 0 0 0
Year 70 0 0 0 0
Year 71 0 0 0 0
Year 72 0 0 0 0
Year 73 0 0 0 0
Year 74 0 0 0 0
Year 75 0 0 0 0
Year 76 0 0 0 0
Year 77 0 0 0 0
Year 78 0 0 0 0
Year 79 0 0 0 0
Year 80 0 0 0 0
Year 81 0 0 0 0
Year 82 0 0 0 0
Year 83 0 0 0 0
Year 84 0 0 0 0
Year 85 0 0 0 0
Year 86 0 0 0 0
Year 87 0 0 0 0
Year 88 0 0 0 0
Year 89 0 0 0 0
Year 90 0 0 0 0
Year 91 0 0 0 0
Year 92 0 0 0 0
Year 93 0 0 0 0
Year 94 0 0 0 0
Year 95 0 0 0 0
Year 96 0 0 0 0
Year 97 0 0 0 0
Year 98 0 0 0 0
Year 99 0 0 0 0
Year 100 &
beyond 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Mortality & Longevity Offset Page 134 of 247
Mortality & Longevity Offset
($'000's )
UK - Present Values of Shocked Cash Flows
Mortality Risk: PV of CFs with shocked mortality Mortality Risk: PV of CFs with best estimate Longevity Risk: PV of CFs with shocked Longevity Risk: PV of CFs with best estimate
improvement mortality improvement mortality improvement mortality improvement
Under attained Over attained Under attained Over attained Under attained Over attained Under attained Over attained
age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total
Year 1 0 0 0 0
Year 2 0 0 0 0
Year 3 0 0 0 0
Year 4 0 0 0 0
Year 5 0 0 0 0
Year 6 0 0 0 0
Year 7 0 0 0 0
Year 8 0 0 0 0
Year 9 0 0 0 0
Year 10 0 0 0 0
Year 11 0 0 0 0
Year 12 0 0 0 0
Year 13 0 0 0 0
Year 14 0 0 0 0
Year 15 0 0 0 0
Year 16 0 0 0 0
Year 17 0 0 0 0
Year 18 0 0 0 0
Year 19 0 0 0 0
Year 20 0 0 0 0
Year 21 0 0 0 0
Year 22 0 0 0 0
Year 23 0 0 0 0
Year 24 0 0 0 0
Year 25 0 0 0 0
Year 26 0 0 0 0
Year 27 0 0 0 0
Year 28 0 0 0 0
Year 29 0 0 0 0
Year 30 0 0 0 0
Year 31 0 0 0 0
Year 32 0 0 0 0
Year 33 0 0 0 0
Year 34 0 0 0 0
Year 35 0 0 0 0
Year 36 0 0 0 0
Year 37 0 0 0 0
Year 38 0 0 0 0
Year 39 0 0 0 0
Year 40 0 0 0 0
Year 41 0 0 0 0
Year 42 0 0 0 0
Year 43 0 0 0 0
Year 44 0 0 0 0
Year 45 0 0 0 0
Year 46 0 0 0 0
Year 47 0 0 0 0
Year 48 0 0 0 0
Year 49 0 0 0 0
Year 50 0 0 0 0
Mortality & Longevity Offset Page 135 of 247
Mortality & Longevity Offset
($'000's )
Year 51 0 0 0 0
Year 52 0 0 0 0
Year 53 0 0 0 0
Year 54 0 0 0 0
Year 55 0 0 0 0
Year 56 0 0 0 0
Year 57 0 0 0 0
Year 58 0 0 0 0
Year 59 0 0 0 0
Year 60 0 0 0 0
Year 61 0 0 0 0
Year 62 0 0 0 0
Year 63 0 0 0 0
Year 64 0 0 0 0
Year 65 0 0 0 0
Year 66 0 0 0 0
Year 67 0 0 0 0
Year 68 0 0 0 0
Year 69 0 0 0 0
Year 70 0 0 0 0
Year 71 0 0 0 0
Year 72 0 0 0 0
Year 73 0 0 0 0
Year 74 0 0 0 0
Year 75 0 0 0 0
Year 76 0 0 0 0
Year 77 0 0 0 0
Year 78 0 0 0 0
Year 79 0 0 0 0
Year 80 0 0 0 0
Year 81 0 0 0 0
Year 82 0 0 0 0
Year 83 0 0 0 0
Year 84 0 0 0 0
Year 85 0 0 0 0
Year 86 0 0 0 0
Year 87 0 0 0 0
Year 88 0 0 0 0
Year 89 0 0 0 0
Year 90 0 0 0 0
Year 91 0 0 0 0
Year 92 0 0 0 0
Year 93 0 0 0 0
Year 94 0 0 0 0
Year 95 0 0 0 0
Year 96 0 0 0 0
Year 97 0 0 0 0
Year 98 0 0 0 0
Year 99 0 0 0 0
Year 100 &
beyond 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Mortality & Longevity Offset Page 136 of 247
Mortality & Longevity Offset
($'000's )
(Please fill in all unshaded areas)
037 038 039 040 041 042 043 044 045 046 047 048
Europe
Mortality Risk: CFs with shocked mortality Mortality Risk: CFs with best estimate mortality Longevity Risk: CFs with shocked mortality Longevity Risk: CFs with best estimate mortality
improvement improvement improvement improvement
Under attained Over attained Under attained Over attained Under attained Over attained Under attained Over attained
age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total
Year 1 0 0 0 0
Year 2 0 0 0 0
Year 3 0 0 0 0
Year 4 0 0 0 0
Year 5 0 0 0 0
Year 6 0 0 0 0
Year 7 0 0 0 0
Year 8 0 0 0 0
Year 9 0 0 0 0
Year 10 0 0 0 0
Year 11 0 0 0 0
Year 12 0 0 0 0
Year 13 0 0 0 0
Year 14 0 0 0 0
Year 15 0 0 0 0
Year 16 0 0 0 0
Year 17 0 0 0 0
Year 18 0 0 0 0
Year 19 0 0 0 0
Year 20 0 0 0 0
Year 21 0 0 0 0
Year 22 0 0 0 0
Year 23 0 0 0 0
Year 24 0 0 0 0
Year 25 0 0 0 0
Year 26 0 0 0 0
Year 27 0 0 0 0
Year 28 0 0 0 0
Year 29 0 0 0 0
Year 30 0 0 0 0
Year 31 0 0 0 0
Year 32 0 0 0 0
Year 33 0 0 0 0
Year 34 0 0 0 0
Year 35 0 0 0 0
Year 36 0 0 0 0
Year 37 0 0 0 0
Year 38 0 0 0 0
Year 39 0 0 0 0
Year 40 0 0 0 0
Year 41 0 0 0 0
Year 42 0 0 0 0
Year 43 0 0 0 0
Year 44 0 0 0 0
Year 45 0 0 0 0
Year 46 0 0 0 0
Year 47 0 0 0 0
Year 48 0 0 0 0
Year 49 0 0 0 0
Year 50 0 0 0 0
Mortality & Longevity Offset Page 137 of 247
Mortality & Longevity Offset
($'000's )
Year 51 0 0 0 0
Year 52 0 0 0 0
Year 53 0 0 0 0
Year 54 0 0 0 0
Year 55 0 0 0 0
Year 56 0 0 0 0
Year 57 0 0 0 0
Year 58 0 0 0 0
Year 59 0 0 0 0
Year 60 0 0 0 0
Year 61 0 0 0 0
Year 62 0 0 0 0
Year 63 0 0 0 0
Year 64 0 0 0 0
Year 65 0 0 0 0
Year 66 0 0 0 0
Year 67 0 0 0 0
Year 68 0 0 0 0
Year 69 0 0 0 0
Year 70 0 0 0 0
Year 71 0 0 0 0
Year 72 0 0 0 0
Year 73 0 0 0 0
Year 74 0 0 0 0
Year 75 0 0 0 0
Year 76 0 0 0 0
Year 77 0 0 0 0
Year 78 0 0 0 0
Year 79 0 0 0 0
Year 80 0 0 0 0
Year 81 0 0 0 0
Year 82 0 0 0 0
Year 83 0 0 0 0
Year 84 0 0 0 0
Year 85 0 0 0 0
Year 86 0 0 0 0
Year 87 0 0 0 0
Year 88 0 0 0 0
Year 89 0 0 0 0
Year 90 0 0 0 0
Year 91 0 0 0 0
Year 92 0 0 0 0
Year 93 0 0 0 0
Year 94 0 0 0 0
Year 95 0 0 0 0
Year 96 0 0 0 0
Year 97 0 0 0 0
Year 98 0 0 0 0
Year 99 0 0 0 0
Year 100 &
beyond 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Mortality & Longevity Offset Page 138 of 247
Mortality & Longevity Offset
($'000's )
Europe - Present Values of Shocked Cash Flows
Mortality Risk: PV of CFs with shocked mortality Mortality Risk: PV of CFs with best estimate Longevity Risk: PV of CFs with shocked Longevity Risk: PV of CFs with best estimate
improvement mortality improvement mortality improvement mortality improvement
Under attained Over attained Under attained Over attained Under attained Over attained Under attained Over attained
age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total
Year 1 0 0 0 0
Year 2 0 0 0 0
Year 3 0 0 0 0
Year 4 0 0 0 0
Year 5 0 0 0 0
Year 6 0 0 0 0
Year 7 0 0 0 0
Year 8 0 0 0 0
Year 9 0 0 0 0
Year 10 0 0 0 0
Year 11 0 0 0 0
Year 12 0 0 0 0
Year 13 0 0 0 0
Year 14 0 0 0 0
Year 15 0 0 0 0
Year 16 0 0 0 0
Year 17 0 0 0 0
Year 18 0 0 0 0
Year 19 0 0 0 0
Year 20 0 0 0 0
Year 21 0 0 0 0
Year 22 0 0 0 0
Year 23 0 0 0 0
Year 24 0 0 0 0
Year 25 0 0 0 0
Year 26 0 0 0 0
Year 27 0 0 0 0
Year 28 0 0 0 0
Year 29 0 0 0 0
Year 30 0 0 0 0
Year 31 0 0 0 0
Year 32 0 0 0 0
Year 33 0 0 0 0
Year 34 0 0 0 0
Year 35 0 0 0 0
Year 36 0 0 0 0
Year 37 0 0 0 0
Year 38 0 0 0 0
Year 39 0 0 0 0
Year 40 0 0 0 0
Year 41 0 0 0 0
Year 42 0 0 0 0
Year 43 0 0 0 0
Year 44 0 0 0 0
Year 45 0 0 0 0
Year 46 0 0 0 0
Year 47 0 0 0 0
Year 48 0 0 0 0
Year 49 0 0 0 0
Year 50 0 0 0 0
Mortality & Longevity Offset Page 139 of 247
Mortality & Longevity Offset
($'000's )
Year 51 0 0 0 0
Year 52 0 0 0 0
Year 53 0 0 0 0
Year 54 0 0 0 0
Year 55 0 0 0 0
Year 56 0 0 0 0
Year 57 0 0 0 0
Year 58 0 0 0 0
Year 59 0 0 0 0
Year 60 0 0 0 0
Year 61 0 0 0 0
Year 62 0 0 0 0
Year 63 0 0 0 0
Year 64 0 0 0 0
Year 65 0 0 0 0
Year 66 0 0 0 0
Year 67 0 0 0 0
Year 68 0 0 0 0
Year 69 0 0 0 0
Year 70 0 0 0 0
Year 71 0 0 0 0
Year 72 0 0 0 0
Year 73 0 0 0 0
Year 74 0 0 0 0
Year 75 0 0 0 0
Year 76 0 0 0 0
Year 77 0 0 0 0
Year 78 0 0 0 0
Year 79 0 0 0 0
Year 80 0 0 0 0
Year 81 0 0 0 0
Year 82 0 0 0 0
Year 83 0 0 0 0
Year 84 0 0 0 0
Year 85 0 0 0 0
Year 86 0 0 0 0
Year 87 0 0 0 0
Year 88 0 0 0 0
Year 89 0 0 0 0
Year 90 0 0 0 0
Year 91 0 0 0 0
Year 92 0 0 0 0
Year 93 0 0 0 0
Year 94 0 0 0 0
Year 95 0 0 0 0
Year 96 0 0 0 0
Year 97 0 0 0 0
Year 98 0 0 0 0
Year 99 0 0 0 0
Year 100 &
beyond 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Mortality & Longevity Offset Page 140 of 247
Mortality & Longevity Offset
($'000's )
(Please fill in all unshaded areas)
049 050 051 052 053 054 055 056 057 058 059 060
Other
Mortality Risk: CFs with shocked mortality Mortality Risk: CFs with best estimate mortality Longevity Risk: CFs with shocked mortality Longevity Risk: CFs with best estimate mortality
improvement improvement improvement improvement
Under attained Over attained Under attained Over attained Under attained Over attained Under attained Over attained
age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total
Year 1 0 0 0 0
Year 2 0 0 0 0
Year 3 0 0 0 0
Year 4 0 0 0 0
Year 5 0 0 0 0
Year 6 0 0 0 0
Year 7 0 0 0 0
Year 8 0 0 0 0
Year 9 0 0 0 0
Year 10 0 0 0 0
Year 11 0 0 0 0
Year 12 0 0 0 0
Year 13 0 0 0 0
Year 14 0 0 0 0
Year 15 0 0 0 0
Year 16 0 0 0 0
Year 17 0 0 0 0
Year 18 0 0 0 0
Year 19 0 0 0 0
Year 20 0 0 0 0
Year 21 0 0 0 0
Year 22 0 0 0 0
Year 23 0 0 0 0
Year 24 0 0 0 0
Year 25 0 0 0 0
Year 26 0 0 0 0
Year 27 0 0 0 0
Year 28 0 0 0 0
Year 29 0 0 0 0
Year 30 0 0 0 0
Year 31 0 0 0 0
Year 32 0 0 0 0
Year 33 0 0 0 0
Year 34 0 0 0 0
Year 35 0 0 0 0
Year 36 0 0 0 0
Year 37 0 0 0 0
Year 38 0 0 0 0
Year 39 0 0 0 0
Year 40 0 0 0 0
Year 41 0 0 0 0
Year 42 0 0 0 0
Year 43 0 0 0 0
Year 44 0 0 0 0
Year 45 0 0 0 0
Year 46 0 0 0 0
Year 47 0 0 0 0
Year 48 0 0 0 0
Year 49 0 0 0 0
Year 50 0 0 0 0
Mortality & Longevity Offset Page 141 of 247
Mortality & Longevity Offset
($'000's )
Year 51 0 0 0 0
Year 52 0 0 0 0
Year 53 0 0 0 0
Year 54 0 0 0 0
Year 55 0 0 0 0
Year 56 0 0 0 0
Year 57 0 0 0 0
Year 58 0 0 0 0
Year 59 0 0 0 0
Year 60 0 0 0 0
Year 61 0 0 0 0
Year 62 0 0 0 0
Year 63 0 0 0 0
Year 64 0 0 0 0
Year 65 0 0 0 0
Year 66 0 0 0 0
Year 67 0 0 0 0
Year 68 0 0 0 0
Year 69 0 0 0 0
Year 70 0 0 0 0
Year 71 0 0 0 0
Year 72 0 0 0 0
Year 73 0 0 0 0
Year 74 0 0 0 0
Year 75 0 0 0 0
Year 76 0 0 0 0
Year 77 0 0 0 0
Year 78 0 0 0 0
Year 79 0 0 0 0
Year 80 0 0 0 0
Year 81 0 0 0 0
Year 82 0 0 0 0
Year 83 0 0 0 0
Year 84 0 0 0 0
Year 85 0 0 0 0
Year 86 0 0 0 0
Year 87 0 0 0 0
Year 88 0 0 0 0
Year 89 0 0 0 0
Year 90 0 0 0 0
Year 91 0 0 0 0
Year 92 0 0 0 0
Year 93 0 0 0 0
Year 94 0 0 0 0
Year 95 0 0 0 0
Year 96 0 0 0 0
Year 97 0 0 0 0
Year 98 0 0 0 0
Year 99 0 0 0 0
Year 100 &
beyond 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Mortality & Longevity Offset Page 142 of 247
Mortality & Longevity Offset
($'000's )
Other - Present Values of Shocked Cash Flows
Mortality Risk: PV of CFs with shocked mortality Mortality Risk: PV of CFs with best estimate Longevity Risk: PV of CFs with shocked Longevity Risk: PV of CFs with best estimate
improvement mortality improvement mortality improvement mortality improvement
Under attained Over attained Under attained Over attained Under attained Over attained Under attained Over attained
age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total
Year 1 0 0 0 0
Year 2 0 0 0 0
Year 3 0 0 0 0
Year 4 0 0 0 0
Year 5 0 0 0 0
Year 6 0 0 0 0
Year 7 0 0 0 0
Year 8 0 0 0 0
Year 9 0 0 0 0
Year 10 0 0 0 0
Year 11 0 0 0 0
Year 12 0 0 0 0
Year 13 0 0 0 0
Year 14 0 0 0 0
Year 15 0 0 0 0
Year 16 0 0 0 0
Year 17 0 0 0 0
Year 18 0 0 0 0
Year 19 0 0 0 0
Year 20 0 0 0 0
Year 21 0 0 0 0
Year 22 0 0 0 0
Year 23 0 0 0 0
Year 24 0 0 0 0
Year 25 0 0 0 0
Year 26 0 0 0 0
Year 27 0 0 0 0
Year 28 0 0 0 0
Year 29 0 0 0 0
Year 30 0 0 0 0
Year 31 0 0 0 0
Year 32 0 0 0 0
Year 33 0 0 0 0
Year 34 0 0 0 0
Year 35 0 0 0 0
Year 36 0 0 0 0
Year 37 0 0 0 0
Year 38 0 0 0 0
Year 39 0 0 0 0
Year 40 0 0 0 0
Year 41 0 0 0 0
Year 42 0 0 0 0
Year 43 0 0 0 0
Year 44 0 0 0 0
Year 45 0 0 0 0
Year 46 0 0 0 0
Year 47 0 0 0 0
Year 48 0 0 0 0
Year 49 0 0 0 0
Year 50 0 0 0 0
Mortality & Longevity Offset Page 143 of 247
Mortality & Longevity Offset
($'000's )
Year 51 0 0 0 0
Year 52 0 0 0 0
Year 53 0 0 0 0
Year 54 0 0 0 0
Year 55 0 0 0 0
Year 56 0 0 0 0
Year 57 0 0 0 0
Year 58 0 0 0 0
Year 59 0 0 0 0
Year 60 0 0 0 0
Year 61 0 0 0 0
Year 62 0 0 0 0
Year 63 0 0 0 0
Year 64 0 0 0 0
Year 65 0 0 0 0
Year 66 0 0 0 0
Year 67 0 0 0 0
Year 68 0 0 0 0
Year 69 0 0 0 0
Year 70 0 0 0 0
Year 71 0 0 0 0
Year 72 0 0 0 0
Year 73 0 0 0 0
Year 74 0 0 0 0
Year 75 0 0 0 0
Year 76 0 0 0 0
Year 77 0 0 0 0
Year 78 0 0 0 0
Year 79 0 0 0 0
Year 80 0 0 0 0
Year 81 0 0 0 0
Year 82 0 0 0 0
Year 83 0 0 0 0
Year 84 0 0 0 0
Year 85 0 0 0 0
Year 86 0 0 0 0
Year 87 0 0 0 0
Year 88 0 0 0 0
Year 89 0 0 0 0
Year 90 0 0 0 0
Year 91 0 0 0 0
Year 92 0 0 0 0
Year 93 0 0 0 0
Year 94 0 0 0 0
Year 95 0 0 0 0
Year 96 0 0 0 0
Year 97 0 0 0 0
Year 98 0 0 0 0
Year 99 0 0 0 0
Year 100 &
beyond 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Mortality & Longevity Offset Page 144 of 247
Mortality & Longevity Offset
($'000's )
(Please fill in all unshaded areas)
061 062 063 064 065 066 067 068 069 070 071 072
Total
Mortality Risk: CFs with shocked mortality Mortality Risk: CFs with best estimate mortality Longevity Risk: CFs with shocked mortality Longevity Risk: CFs with best estimate mortality
improvement improvement improvement improvement
Under attained Over attained Under attained Over attained Under attained Over attained Under attained Over attained
age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total
Year 1 0 0 0 0 0 0 0 0 0 0 0 0
Year 2 0 0 0 0 0 0 0 0 0 0 0 0
Year 3 0 0 0 0 0 0 0 0 0 0 0 0
Year 4 0 0 0 0 0 0 0 0 0 0 0 0
Year 5 0 0 0 0 0 0 0 0 0 0 0 0
Year 6 0 0 0 0 0 0 0 0 0 0 0 0
Year 7 0 0 0 0 0 0 0 0 0 0 0 0
Year 8 0 0 0 0 0 0 0 0 0 0 0 0
Year 9 0 0 0 0 0 0 0 0 0 0 0 0
Year 10 0 0 0 0 0 0 0 0 0 0 0 0
Year 11 0 0 0 0 0 0 0 0 0 0 0 0
Year 12 0 0 0 0 0 0 0 0 0 0 0 0
Year 13 0 0 0 0 0 0 0 0 0 0 0 0
Year 14 0 0 0 0 0 0 0 0 0 0 0 0
Year 15 0 0 0 0 0 0 0 0 0 0 0 0
Year 16 0 0 0 0 0 0 0 0 0 0 0 0
Year 17 0 0 0 0 0 0 0 0 0 0 0 0
Year 18 0 0 0 0 0 0 0 0 0 0 0 0
Year 19 0 0 0 0 0 0 0 0 0 0 0 0
Year 20 0 0 0 0 0 0 0 0 0 0 0 0
Year 21 0 0 0 0 0 0 0 0 0 0 0 0
Year 22 0 0 0 0 0 0 0 0 0 0 0 0
Year 23 0 0 0 0 0 0 0 0 0 0 0 0
Year 24 0 0 0 0 0 0 0 0 0 0 0 0
Year 25 0 0 0 0 0 0 0 0 0 0 0 0
Year 26 0 0 0 0 0 0 0 0 0 0 0 0
Year 27 0 0 0 0 0 0 0 0 0 0 0 0
Year 28 0 0 0 0 0 0 0 0 0 0 0 0
Year 29 0 0 0 0 0 0 0 0 0 0 0 0
Year 30 0 0 0 0 0 0 0 0 0 0 0 0
Year 31 0 0 0 0 0 0 0 0 0 0 0 0
Year 32 0 0 0 0 0 0 0 0 0 0 0 0
Year 33 0 0 0 0 0 0 0 0 0 0 0 0
Year 34 0 0 0 0 0 0 0 0 0 0 0 0
Year 35 0 0 0 0 0 0 0 0 0 0 0 0
Year 36 0 0 0 0 0 0 0 0 0 0 0 0
Year 37 0 0 0 0 0 0 0 0 0 0 0 0
Year 38 0 0 0 0 0 0 0 0 0 0 0 0
Year 39 0 0 0 0 0 0 0 0 0 0 0 0
Year 40 0 0 0 0 0 0 0 0 0 0 0 0
Year 41 0 0 0 0 0 0 0 0 0 0 0 0
Year 42 0 0 0 0 0 0 0 0 0 0 0 0
Year 43 0 0 0 0 0 0 0 0 0 0 0 0
Year 44 0 0 0 0 0 0 0 0 0 0 0 0
Year 45 0 0 0 0 0 0 0 0 0 0 0 0
Year 46 0 0 0 0 0 0 0 0 0 0 0 0
Year 47 0 0 0 0 0 0 0 0 0 0 0 0
Year 48 0 0 0 0 0 0 0 0 0 0 0 0
Year 49 0 0 0 0 0 0 0 0 0 0 0 0
Year 50 0 0 0 0 0 0 0 0 0 0 0 0
Mortality & Longevity Offset Page 145 of 247
Mortality & Longevity Offset
($'000's )
Year 51 0 0 0 0 0 0 0 0 0 0 0 0
Year 52 0 0 0 0 0 0 0 0 0 0 0 0
Year 53 0 0 0 0 0 0 0 0 0 0 0 0
Year 54 0 0 0 0 0 0 0 0 0 0 0 0
Year 55 0 0 0 0 0 0 0 0 0 0 0 0
Year 56 0 0 0 0 0 0 0 0 0 0 0 0
Year 57 0 0 0 0 0 0 0 0 0 0 0 0
Year 58 0 0 0 0 0 0 0 0 0 0 0 0
Year 59 0 0 0 0 0 0 0 0 0 0 0 0
Year 60 0 0 0 0 0 0 0 0 0 0 0 0
Year 61 0 0 0 0 0 0 0 0 0 0 0 0
Year 62 0 0 0 0 0 0 0 0 0 0 0 0
Year 63 0 0 0 0 0 0 0 0 0 0 0 0
Year 64 0 0 0 0 0 0 0 0 0 0 0 0
Year 65 0 0 0 0 0 0 0 0 0 0 0 0
Year 66 0 0 0 0 0 0 0 0 0 0 0 0
Year 67 0 0 0 0 0 0 0 0 0 0 0 0
Year 68 0 0 0 0 0 0 0 0 0 0 0 0
Year 69 0 0 0 0 0 0 0 0 0 0 0 0
Year 70 0 0 0 0 0 0 0 0 0 0 0 0
Year 71 0 0 0 0 0 0 0 0 0 0 0 0
Year 72 0 0 0 0 0 0 0 0 0 0 0 0
Year 73 0 0 0 0 0 0 0 0 0 0 0 0
Year 74 0 0 0 0 0 0 0 0 0 0 0 0
Year 75 0 0 0 0 0 0 0 0 0 0 0 0
Year 76 0 0 0 0 0 0 0 0 0 0 0 0
Year 77 0 0 0 0 0 0 0 0 0 0 0 0
Year 78 0 0 0 0 0 0 0 0 0 0 0 0
Year 79 0 0 0 0 0 0 0 0 0 0 0 0
Year 80 0 0 0 0 0 0 0 0 0 0 0 0
Year 81 0 0 0 0 0 0 0 0 0 0 0 0
Year 82 0 0 0 0 0 0 0 0 0 0 0 0
Year 83 0 0 0 0 0 0 0 0 0 0 0 0
Year 84 0 0 0 0 0 0 0 0 0 0 0 0
Year 85 0 0 0 0 0 0 0 0 0 0 0 0
Year 86 0 0 0 0 0 0 0 0 0 0 0 0
Year 87 0 0 0 0 0 0 0 0 0 0 0 0
Year 88 0 0 0 0 0 0 0 0 0 0 0 0
Year 89 0 0 0 0 0 0 0 0 0 0 0 0
Year 90 0 0 0 0 0 0 0 0 0 0 0 0
Year 91 0 0 0 0 0 0 0 0 0 0 0 0
Year 92 0 0 0 0 0 0 0 0 0 0 0 0
Year 93 0 0 0 0 0 0 0 0 0 0 0 0
Year 94 0 0 0 0 0 0 0 0 0 0 0 0
Year 95 0 0 0 0 0 0 0 0 0 0 0 0
Year 96 0 0 0 0 0 0 0 0 0 0 0 0
Year 97 0 0 0 0 0 0 0 0 0 0 0 0
Year 98 0 0 0 0 0 0 0 0 0 0 0 0
Year 99 0 0 0 0 0 0 0 0 0 0 0 0
Year 100 &
beyond 0 0 0 0 0 0 0 0 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Mortality & Longevity Offset Page 146 of 247
Mortality & Longevity Offset
($'000's )
Total - Present Values of Shocked Cash Flows
Mortality Risk: PV of CFs with shocked mortality Mortality Risk: PV of CFs with best estimate Longevity Risk: PV of CFs with shocked Longevity Risk: PV of CFs with best estimate
improvement mortality improvement mortality improvement mortality improvement
Under attained Over attained Under attained Over attained Under attained Over attained Under attained Over attained
age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total age 55 age 55 Total
Year 1 0 0 0 0 0 0 0 0 0 0 0 0
Year 2 0 0 0 0 0 0 0 0 0 0 0 0
Year 3 0 0 0 0 0 0 0 0 0 0 0 0
Year 4 0 0 0 0 0 0 0 0 0 0 0 0
Year 5 0 0 0 0 0 0 0 0 0 0 0 0
Year 6 0 0 0 0 0 0 0 0 0 0 0 0
Year 7 0 0 0 0 0 0 0 0 0 0 0 0
Year 8 0 0 0 0 0 0 0 0 0 0 0 0
Year 9 0 0 0 0 0 0 0 0 0 0 0 0
Year 10 0 0 0 0 0 0 0 0 0 0 0 0
Year 11 0 0 0 0 0 0 0 0 0 0 0 0
Year 12 0 0 0 0 0 0 0 0 0 0 0 0
Year 13 0 0 0 0 0 0 0 0 0 0 0 0
Year 14 0 0 0 0 0 0 0 0 0 0 0 0
Year 15 0 0 0 0 0 0 0 0 0 0 0 0
Year 16 0 0 0 0 0 0 0 0 0 0 0 0
Year 17 0 0 0 0 0 0 0 0 0 0 0 0
Year 18 0 0 0 0 0 0 0 0 0 0 0 0
Year 19 0 0 0 0 0 0 0 0 0 0 0 0
Year 20 0 0 0 0 0 0 0 0 0 0 0 0
Year 21 0 0 0 0 0 0 0 0 0 0 0 0
Year 22 0 0 0 0 0 0 0 0 0 0 0 0
Year 23 0 0 0 0 0 0 0 0 0 0 0 0
Year 24 0 0 0 0 0 0 0 0 0 0 0 0
Year 25 0 0 0 0 0 0 0 0 0 0 0 0
Year 26 0 0 0 0 0 0 0 0 0 0 0 0
Year 27 0 0 0 0 0 0 0 0 0 0 0 0
Year 28 0 0 0 0 0 0 0 0 0 0 0 0
Year 29 0 0 0 0 0 0 0 0 0 0 0 0
Year 30 0 0 0 0 0 0 0 0 0 0 0 0
Year 31 0 0 0 0 0 0 0 0 0 0 0 0
Year 32 0 0 0 0 0 0 0 0 0 0 0 0
Year 33 0 0 0 0 0 0 0 0 0 0 0 0
Year 34 0 0 0 0 0 0 0 0 0 0 0 0
Year 35 0 0 0 0 0 0 0 0 0 0 0 0
Year 36 0 0 0 0 0 0 0 0 0 0 0 0
Year 37 0 0 0 0 0 0 0 0 0 0 0 0
Year 38 0 0 0 0 0 0 0 0 0 0 0 0
Year 39 0 0 0 0 0 0 0 0 0 0 0 0
Year 40 0 0 0 0 0 0 0 0 0 0 0 0
Year 41 0 0 0 0 0 0 0 0 0 0 0 0
Year 42 0 0 0 0 0 0 0 0 0 0 0 0
Year 43 0 0 0 0 0 0 0 0 0 0 0 0
Year 44 0 0 0 0 0 0 0 0 0 0 0 0
Year 45 0 0 0 0 0 0 0 0 0 0 0 0
Year 46 0 0 0 0 0 0 0 0 0 0 0 0
Year 47 0 0 0 0 0 0 0 0 0 0 0 0
Year 48 0 0 0 0 0 0 0 0 0 0 0 0
Year 49 0 0 0 0 0 0 0 0 0 0 0 0
Year 50 0 0 0 0 0 0 0 0 0 0 0 0
Mortality & Longevity Offset Page 147 of 247
Mortality & Longevity Offset
($'000's )
Year 51 0 0 0 0 0 0 0 0 0 0 0 0
Year 52 0 0 0 0 0 0 0 0 0 0 0 0
Year 53 0 0 0 0 0 0 0 0 0 0 0 0
Year 54 0 0 0 0 0 0 0 0 0 0 0 0
Year 55 0 0 0 0 0 0 0 0 0 0 0 0
Year 56 0 0 0 0 0 0 0 0 0 0 0 0
Year 57 0 0 0 0 0 0 0 0 0 0 0 0
Year 58 0 0 0 0 0 0 0 0 0 0 0 0
Year 59 0 0 0 0 0 0 0 0 0 0 0 0
Year 60 0 0 0 0 0 0 0 0 0 0 0 0
Year 61 0 0 0 0 0 0 0 0 0 0 0 0
Year 62 0 0 0 0 0 0 0 0 0 0 0 0
Year 63 0 0 0 0 0 0 0 0 0 0 0 0
Year 64 0 0 0 0 0 0 0 0 0 0 0 0
Year 65 0 0 0 0 0 0 0 0 0 0 0 0
Year 66 0 0 0 0 0 0 0 0 0 0 0 0
Year 67 0 0 0 0 0 0 0 0 0 0 0 0
Year 68 0 0 0 0 0 0 0 0 0 0 0 0
Year 69 0 0 0 0 0 0 0 0 0 0 0 0
Year 70 0 0 0 0 0 0 0 0 0 0 0 0
Year 71 0 0 0 0 0 0 0 0 0 0 0 0
Year 72 0 0 0 0 0 0 0 0 0 0 0 0
Year 73 0 0 0 0 0 0 0 0 0 0 0 0
Year 74 0 0 0 0 0 0 0 0 0 0 0 0
Year 75 0 0 0 0 0 0 0 0 0 0 0 0
Year 76 0 0 0 0 0 0 0 0 0 0 0 0
Year 77 0 0 0 0 0 0 0 0 0 0 0 0
Year 78 0 0 0 0 0 0 0 0 0 0 0 0
Year 79 0 0 0 0 0 0 0 0 0 0 0 0
Year 80 0 0 0 0 0 0 0 0 0 0 0 0
Year 81 0 0 0 0 0 0 0 0 0 0 0 0
Year 82 0 0 0 0 0 0 0 0 0 0 0 0
Year 83 0 0 0 0 0 0 0 0 0 0 0 0
Year 84 0 0 0 0 0 0 0 0 0 0 0 0
Year 85 0 0 0 0 0 0 0 0 0 0 0 0
Year 86 0 0 0 0 0 0 0 0 0 0 0 0
Year 87 0 0 0 0 0 0 0 0 0 0 0 0
Year 88 0 0 0 0 0 0 0 0 0 0 0 0
Year 89 0 0 0 0 0 0 0 0 0 0 0 0
Year 90 0 0 0 0 0 0 0 0 0 0 0 0
Year 91 0 0 0 0 0 0 0 0 0 0 0 0
Year 92 0 0 0 0 0 0 0 0 0 0 0 0
Year 93 0 0 0 0 0 0 0 0 0 0 0 0
Year 94 0 0 0 0 0 0 0 0 0 0 0 0
Year 95 0 0 0 0 0 0 0 0 0 0 0 0
Year 96 0 0 0 0 0 0 0 0 0 0 0 0
Year 97 0 0 0 0 0 0 0 0 0 0 0 0
Year 98 0 0 0 0 0 0 0 0 0 0 0 0
Year 99 0 0 0 0 0 0 0 0 0 0 0 0
Year 100 &
beyond 0 0 0 0 0 0 0 0 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0 0 0
Mortality & Longevity Offset Page 148 of 247
Mortality & Longevity Offset Page 30.260
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006
Total Canada USA
Under attained Over attained Under attained Over attained Under attained Over attained
age 55 age 55 age 55 age 55 age 55 age 55
Mortality Risk
PV of A CFs with shocked mortality improvement 0 0 0 0 0 0
PV of B CFs with best estimate mortality improvement 0 0 0 0 0 0
Longevity Risk
PV of C CFs with shocked mortality improvement 0 0 0 0 0 0
PV of D CFs with best estimate mortality improvement 0 0 0 0 0 0
PV of A - PV of B 0 0 0 0 0 0
PV of C - PV of D 0 0 0 0 0 0
Minimum of PV of A - PV of B and PV of C - PV of D 0 0
Mortality & Longevity Risk Offset (50% of the minimums) 0 0
Offset Calculation Page 149 of 247
Mortality & Longevity Offset
($'000's )
(Please fill in all unshaded areas)
007 008 009 010 011 012
UK Europe Other
Under attained Over attained Under attained Over attained Under attained Over attained
age 55 age 55 age 55 age 55 age 55 age 55
Mortality Risk
PV of A CFs with shocked mortality improvement 0 0 0 0 0 0 001
PV of B CFs with best estimate mortality improvement 0 0 0 0 0 0 002
Longevity Risk
PV of C CFs with shocked mortality improvement 0 0 0 0 0 0 003
PV of D CFs with best estimate mortality improvement 0 0 0 0 0 0 004
PV of A - PV of B 0 0 0 0 0 0 005
PV of C - PV of D 0 0 0 0 0 0 006
Minimum of PV of A - PV of B and PV of C - PV of D 007
Mortality & Longevity Risk Offset (50% of the minimums) 008
Offset Calculation Page 150 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Incidence Rates Page 23.100
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008 009 010
Canada USA
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Morbidity - Level & Trend Incid Page 151 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Incidence Rates Page 23.100
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Morbidity - Level & Trend Incid Page 152 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Incidence Rates Page 23.100
($'000's )
Canada - Present Values of Cash Flows USA - Present Values of Cash Flows
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Morbidity - Level & Trend Incid Page 153 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Incidence Rates Page 23.100
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Morbidity - Level & Trend Incid Page 154 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Incidence Rates
($'000's )
(Please fill in all unshaded areas)
011 012 013 014 015 016 017 018 019 020
UK Europe
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Morbidity - Level & Trend Incid Page 155 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Incidence Rates
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Morbidity - Level & Trend Incid Page 156 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Incidence Rates
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UK - Present Values of Cash Flows Europe - Present Values of Cash Flows
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Morbidity - Level & Trend Incid Page 157 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Incidence Rates
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Morbidity - Level & Trend Incid Page 158 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Incidence Rates
($'000's )
(Please fill in all unshaded areas)
021 022 023 024 025 026 027 028 029 030
Other Total
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Year 1 0 0 0 0 0 0 001
Year 2 0 0 0 0 0 0 002
Year 3 0 0 0 0 0 0 003
Year 4 0 0 0 0 0 0 004
Year 5 0 0 0 0 0 0 005
Year 6 0 0 0 0 0 0 006
Year 7 0 0 0 0 0 0 007
Year 8 0 0 0 0 0 0 008
Year 9 0 0 0 0 0 0 009
Year 10 0 0 0 0 0 0 010
Year 11 0 0 0 0 0 0 011
Year 12 0 0 0 0 0 0 012
Year 13 0 0 0 0 0 0 013
Year 14 0 0 0 0 0 0 014
Year 15 0 0 0 0 0 0 015
Year 16 0 0 0 0 0 0 016
Year 17 0 0 0 0 0 0 017
Year 18 0 0 0 0 0 0 018
Year 19 0 0 0 0 0 0 019
Year 20 0 0 0 0 0 0 020
Year 21 0 0 0 0 0 0 021
Year 22 0 0 0 0 0 0 022
Year 23 0 0 0 0 0 0 023
Year 24 0 0 0 0 0 0 024
Year 25 0 0 0 0 0 0 025
Year 26 0 0 0 0 0 0 026
Year 27 0 0 0 0 0 0 027
Year 28 0 0 0 0 0 0 028
Year 29 0 0 0 0 0 0 029
Year 30 0 0 0 0 0 0 030
Year 31 0 0 0 0 0 0 031
Year 32 0 0 0 0 0 0 032
Year 33 0 0 0 0 0 0 033
Year 34 0 0 0 0 0 0 034
Year 35 0 0 0 0 0 0 035
Year 36 0 0 0 0 0 0 036
Year 37 0 0 0 0 0 0 037
Year 38 0 0 0 0 0 0 038
Year 39 0 0 0 0 0 0 039
Year 40 0 0 0 0 0 0 040
Year 41 0 0 0 0 0 0 041
Year 42 0 0 0 0 0 0 042
Year 43 0 0 0 0 0 0 043
Year 44 0 0 0 0 0 0 044
Year 45 0 0 0 0 0 0 045
Year 46 0 0 0 0 0 0 046
Year 47 0 0 0 0 0 0 047
Year 48 0 0 0 0 0 0 048
Year 49 0 0 0 0 0 0 049
Year 50 0 0 0 0 0 0 050
Morbidity - Level & Trend Incid Page 159 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Incidence Rates
($'000's )
Year 51 0 0 0 0 0 0 051
Year 52 0 0 0 0 0 0 052
Year 53 0 0 0 0 0 0 053
Year 54 0 0 0 0 0 0 054
Year 55 0 0 0 0 0 0 055
Year 56 0 0 0 0 0 0 056
Year 57 0 0 0 0 0 0 057
Year 58 0 0 0 0 0 0 058
Year 59 0 0 0 0 0 0 059
Year 60 0 0 0 0 0 0 060
Year 61 0 0 0 0 0 0 061
Year 62 0 0 0 0 0 0 062
Year 63 0 0 0 0 0 0 063
Year 64 0 0 0 0 0 0 064
Year 65 0 0 0 0 0 0 065
Year 66 0 0 0 0 0 0 066
Year 67 0 0 0 0 0 0 067
Year 68 0 0 0 0 0 0 068
Year 69 0 0 0 0 0 0 069
Year 70 0 0 0 0 0 0 070
Year 71 0 0 0 0 0 0 071
Year 72 0 0 0 0 0 0 072
Year 73 0 0 0 0 0 0 073
Year 74 0 0 0 0 0 0 074
Year 75 0 0 0 0 0 0 075
Year 76 0 0 0 0 0 0 076
Year 77 0 0 0 0 0 0 077
Year 78 0 0 0 0 0 0 078
Year 79 0 0 0 0 0 0 079
Year 80 0 0 0 0 0 0 080
Year 81 0 0 0 0 0 0 081
Year 82 0 0 0 0 0 0 082
Year 83 0 0 0 0 0 0 083
Year 84 0 0 0 0 0 0 084
Year 85 0 0 0 0 0 0 085
Year 86 0 0 0 0 0 0 086
Year 87 0 0 0 0 0 0 087
Year 88 0 0 0 0 0 0 088
Year 89 0 0 0 0 0 0 089
Year 90 0 0 0 0 0 0 090
Year 91 0 0 0 0 0 0 091
Year 92 0 0 0 0 0 0 092
Year 93 0 0 0 0 0 0 093
Year 94 0 0 0 0 0 0 094
Year 95 0 0 0 0 0 0 095
Year 96 0 0 0 0 0 0 096
Year 97 0 0 0 0 0 0 097
Year 98 0 0 0 0 0 0 098
Year 99 0 0 0 0 0 0 099
Year 100 and beyond 0 0 0 0 0 0 100
Totals 0 0 0 0 0 0 0 0 0 0 101
Morbidity - Level & Trend Incid Page 160 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Incidence Rates
($'000's )
Other - Present Values of Cash Flows Total - Present Values of Cash Flows
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Year 1 0 0 0 0 0 0 102
Year 2 0 0 0 0 0 0 103
Year 3 0 0 0 0 0 0 104
Year 4 0 0 0 0 0 0 105
Year 5 0 0 0 0 0 0 106
Year 6 0 0 0 0 0 0 107
Year 7 0 0 0 0 0 0 108
Year 8 0 0 0 0 0 0 109
Year 9 0 0 0 0 0 0 110
Year 10 0 0 0 0 0 0 111
Year 11 0 0 0 0 0 0 112
Year 12 0 0 0 0 0 0 113
Year 13 0 0 0 0 0 0 114
Year 14 0 0 0 0 0 0 115
Year 15 0 0 0 0 0 0 116
Year 16 0 0 0 0 0 0 117
Year 17 0 0 0 0 0 0 118
Year 18 0 0 0 0 0 0 119
Year 19 0 0 0 0 0 0 120
Year 20 0 0 0 0 0 0 121
Year 21 0 0 0 0 0 0 122
Year 22 0 0 0 0 0 0 123
Year 23 0 0 0 0 0 0 124
Year 24 0 0 0 0 0 0 125
Year 25 0 0 0 0 0 0 126
Year 26 0 0 0 0 0 0 127
Year 27 0 0 0 0 0 0 128
Year 28 0 0 0 0 0 0 129
Year 29 0 0 0 0 0 0 130
Year 30 0 0 0 0 0 0 131
Year 31 0 0 0 0 0 0 132
Year 32 0 0 0 0 0 0 133
Year 33 0 0 0 0 0 0 134
Year 34 0 0 0 0 0 0 135
Year 35 0 0 0 0 0 0 136
Year 36 0 0 0 0 0 0 137
Year 37 0 0 0 0 0 0 138
Year 38 0 0 0 0 0 0 139
Year 39 0 0 0 0 0 0 140
Year 40 0 0 0 0 0 0 141
Year 41 0 0 0 0 0 0 142
Year 42 0 0 0 0 0 0 143
Year 43 0 0 0 0 0 0 144
Year 44 0 0 0 0 0 0 145
Year 45 0 0 0 0 0 0 146
Year 46 0 0 0 0 0 0 147
Year 47 0 0 0 0 0 0 148
Year 48 0 0 0 0 0 0 149
Year 49 0 0 0 0 0 0 150
Year 50 0 0 0 0 0 0 151
Morbidity - Level & Trend Incid Page 161 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Incidence Rates
($'000's )
Year 51 0 0 0 0 0 0 152
Year 52 0 0 0 0 0 0 153
Year 53 0 0 0 0 0 0 154
Year 54 0 0 0 0 0 0 155
Year 55 0 0 0 0 0 0 156
Year 56 0 0 0 0 0 0 157
Year 57 0 0 0 0 0 0 158
Year 58 0 0 0 0 0 0 159
Year 59 0 0 0 0 0 0 160
Year 60 0 0 0 0 0 0 161
Year 61 0 0 0 0 0 0 162
Year 62 0 0 0 0 0 0 163
Year 63 0 0 0 0 0 0 164
Year 64 0 0 0 0 0 0 165
Year 65 0 0 0 0 0 0 166
Year 66 0 0 0 0 0 0 167
Year 67 0 0 0 0 0 0 168
Year 68 0 0 0 0 0 0 169
Year 69 0 0 0 0 0 0 170
Year 70 0 0 0 0 0 0 171
Year 71 0 0 0 0 0 0 172
Year 72 0 0 0 0 0 0 173
Year 73 0 0 0 0 0 0 174
Year 74 0 0 0 0 0 0 175
Year 75 0 0 0 0 0 0 176
Year 76 0 0 0 0 0 0 177
Year 77 0 0 0 0 0 0 178
Year 78 0 0 0 0 0 0 179
Year 79 0 0 0 0 0 0 180
Year 80 0 0 0 0 0 0 181
Year 81 0 0 0 0 0 0 182
Year 82 0 0 0 0 0 0 183
Year 83 0 0 0 0 0 0 184
Year 84 0 0 0 0 0 0 185
Year 85 0 0 0 0 0 0 186
Year 86 0 0 0 0 0 0 187
Year 87 0 0 0 0 0 0 188
Year 88 0 0 0 0 0 0 189
Year 89 0 0 0 0 0 0 190
Year 90 0 0 0 0 0 0 191
Year 91 0 0 0 0 0 0 192
Year 92 0 0 0 0 0 0 193
Year 93 0 0 0 0 0 0 194
Year 94 0 0 0 0 0 0 195
Year 95 0 0 0 0 0 0 196
Year 96 0 0 0 0 0 0 197
Year 97 0 0 0 0 0 0 198
Year 98 0 0 0 0 0 0 199
Year 99 0 0 0 0 0 0 200
Year 100 and beyond 0 0 0 0 0 0 201
Totals 0 0 0 0 0 0 0 0 0 0 202
Morbidity - Level & Trend Incid Page 162 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Termination or Recovery Rates Page 23.101
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008 009 010
Canada USA
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Morbidity - Level & Trend Recov Page 163 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Termination or Recovery Rates Page 23.101
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Morbidity - Level & Trend Recov Page 164 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Termination or Recovery Rates Page 23.101
($'000's )
Canada - Present Values of Cash Flows USA - Present Values of Cash Flows
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Morbidity - Level & Trend Recov Page 165 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Termination or Recovery Rates Page 23.101
($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Morbidity - Level & Trend Recov Page 166 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Termination or Recovery Rates
($'000's )
(Please fill in all unshaded areas)
011 012 013 014 015 016 017 018 019 020
UK Europe
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Morbidity - Level & Trend Recov Page 167 of 247
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($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Morbidity - Level & Trend Recov Page 168 of 247
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($'000's )
UK - Present Values of Cash Flows Europe - Present Values of Cash Flows
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Morbidity - Level & Trend Recov Page 169 of 247
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($'000's )
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Morbidity - Level & Trend Recov Page 170 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Termination or Recovery Rates
($'000's )
(Please fill in all unshaded areas)
021 022 023 024 025 026 027 028 029 030
Other Total
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Year 1 0 0 0 0 0 0 001
Year 2 0 0 0 0 0 0 002
Year 3 0 0 0 0 0 0 003
Year 4 0 0 0 0 0 0 004
Year 5 0 0 0 0 0 0 005
Year 6 0 0 0 0 0 0 006
Year 7 0 0 0 0 0 0 007
Year 8 0 0 0 0 0 0 008
Year 9 0 0 0 0 0 0 009
Year 10 0 0 0 0 0 0 010
Year 11 0 0 0 0 0 0 011
Year 12 0 0 0 0 0 0 012
Year 13 0 0 0 0 0 0 013
Year 14 0 0 0 0 0 0 014
Year 15 0 0 0 0 0 0 015
Year 16 0 0 0 0 0 0 016
Year 17 0 0 0 0 0 0 017
Year 18 0 0 0 0 0 0 018
Year 19 0 0 0 0 0 0 019
Year 20 0 0 0 0 0 0 020
Year 21 0 0 0 0 0 0 021
Year 22 0 0 0 0 0 0 022
Year 23 0 0 0 0 0 0 023
Year 24 0 0 0 0 0 0 024
Year 25 0 0 0 0 0 0 025
Year 26 0 0 0 0 0 0 026
Year 27 0 0 0 0 0 0 027
Year 28 0 0 0 0 0 0 028
Year 29 0 0 0 0 0 0 029
Year 30 0 0 0 0 0 0 030
Year 31 0 0 0 0 0 0 031
Year 32 0 0 0 0 0 0 032
Year 33 0 0 0 0 0 0 033
Year 34 0 0 0 0 0 0 034
Year 35 0 0 0 0 0 0 035
Year 36 0 0 0 0 0 0 036
Year 37 0 0 0 0 0 0 037
Year 38 0 0 0 0 0 0 038
Year 39 0 0 0 0 0 0 039
Year 40 0 0 0 0 0 0 040
Year 41 0 0 0 0 0 0 041
Year 42 0 0 0 0 0 0 042
Year 43 0 0 0 0 0 0 043
Year 44 0 0 0 0 0 0 044
Year 45 0 0 0 0 0 0 045
Year 46 0 0 0 0 0 0 046
Year 47 0 0 0 0 0 0 047
Year 48 0 0 0 0 0 0 048
Year 49 0 0 0 0 0 0 049
Year 50 0 0 0 0 0 0 050
Morbidity - Level & Trend Recov Page 171 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Termination or Recovery Rates
($'000's )
Year 51 0 0 0 0 0 0 051
Year 52 0 0 0 0 0 0 052
Year 53 0 0 0 0 0 0 053
Year 54 0 0 0 0 0 0 054
Year 55 0 0 0 0 0 0 055
Year 56 0 0 0 0 0 0 056
Year 57 0 0 0 0 0 0 057
Year 58 0 0 0 0 0 0 058
Year 59 0 0 0 0 0 0 059
Year 60 0 0 0 0 0 0 060
Year 61 0 0 0 0 0 0 061
Year 62 0 0 0 0 0 0 062
Year 63 0 0 0 0 0 0 063
Year 64 0 0 0 0 0 0 064
Year 65 0 0 0 0 0 0 065
Year 66 0 0 0 0 0 0 066
Year 67 0 0 0 0 0 0 067
Year 68 0 0 0 0 0 0 068
Year 69 0 0 0 0 0 0 069
Year 70 0 0 0 0 0 0 070
Year 71 0 0 0 0 0 0 071
Year 72 0 0 0 0 0 0 072
Year 73 0 0 0 0 0 0 073
Year 74 0 0 0 0 0 0 074
Year 75 0 0 0 0 0 0 075
Year 76 0 0 0 0 0 0 076
Year 77 0 0 0 0 0 0 077
Year 78 0 0 0 0 0 0 078
Year 79 0 0 0 0 0 0 079
Year 80 0 0 0 0 0 0 080
Year 81 0 0 0 0 0 0 081
Year 82 0 0 0 0 0 0 082
Year 83 0 0 0 0 0 0 083
Year 84 0 0 0 0 0 0 084
Year 85 0 0 0 0 0 0 085
Year 86 0 0 0 0 0 0 086
Year 87 0 0 0 0 0 0 087
Year 88 0 0 0 0 0 0 088
Year 89 0 0 0 0 0 0 089
Year 90 0 0 0 0 0 0 090
Year 91 0 0 0 0 0 0 091
Year 92 0 0 0 0 0 0 092
Year 93 0 0 0 0 0 0 093
Year 94 0 0 0 0 0 0 094
Year 95 0 0 0 0 0 0 095
Year 96 0 0 0 0 0 0 096
Year 97 0 0 0 0 0 0 097
Year 98 0 0 0 0 0 0 098
Year 99 0 0 0 0 0 0 099
Year 100 and beyond 0 0 0 0 0 0 100
Totals 0 0 0 0 0 0 0 0 0 0 101
Morbidity - Level & Trend Recov Page 172 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Termination or Recovery Rates
($'000's )
Other - Present Values of Cash Flows Total - Present Values of Cash Flows
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Year 1 0 0 0 0 0 0 102
Year 2 0 0 0 0 0 0 103
Year 3 0 0 0 0 0 0 104
Year 4 0 0 0 0 0 0 105
Year 5 0 0 0 0 0 0 106
Year 6 0 0 0 0 0 0 107
Year 7 0 0 0 0 0 0 108
Year 8 0 0 0 0 0 0 109
Year 9 0 0 0 0 0 0 110
Year 10 0 0 0 0 0 0 111
Year 11 0 0 0 0 0 0 112
Year 12 0 0 0 0 0 0 113
Year 13 0 0 0 0 0 0 114
Year 14 0 0 0 0 0 0 115
Year 15 0 0 0 0 0 0 116
Year 16 0 0 0 0 0 0 117
Year 17 0 0 0 0 0 0 118
Year 18 0 0 0 0 0 0 119
Year 19 0 0 0 0 0 0 120
Year 20 0 0 0 0 0 0 121
Year 21 0 0 0 0 0 0 122
Year 22 0 0 0 0 0 0 123
Year 23 0 0 0 0 0 0 124
Year 24 0 0 0 0 0 0 125
Year 25 0 0 0 0 0 0 126
Year 26 0 0 0 0 0 0 127
Year 27 0 0 0 0 0 0 128
Year 28 0 0 0 0 0 0 129
Year 29 0 0 0 0 0 0 130
Year 30 0 0 0 0 0 0 131
Year 31 0 0 0 0 0 0 132
Year 32 0 0 0 0 0 0 133
Year 33 0 0 0 0 0 0 134
Year 34 0 0 0 0 0 0 135
Year 35 0 0 0 0 0 0 136
Year 36 0 0 0 0 0 0 137
Year 37 0 0 0 0 0 0 138
Year 38 0 0 0 0 0 0 139
Year 39 0 0 0 0 0 0 140
Year 40 0 0 0 0 0 0 141
Year 41 0 0 0 0 0 0 142
Year 42 0 0 0 0 0 0 143
Year 43 0 0 0 0 0 0 144
Year 44 0 0 0 0 0 0 145
Year 45 0 0 0 0 0 0 146
Year 46 0 0 0 0 0 0 147
Year 47 0 0 0 0 0 0 148
Year 48 0 0 0 0 0 0 149
Year 49 0 0 0 0 0 0 150
Year 50 0 0 0 0 0 0 151
Morbidity - Level & Trend Recov Page 173 of 247
Morbidity Risk - Shocked CFs for Level & Trend Risks - Termination or Recovery Rates
($'000's )
Year 51 0 0 0 0 0 0 152
Year 52 0 0 0 0 0 0 153
Year 53 0 0 0 0 0 0 154
Year 54 0 0 0 0 0 0 155
Year 55 0 0 0 0 0 0 156
Year 56 0 0 0 0 0 0 157
Year 57 0 0 0 0 0 0 158
Year 58 0 0 0 0 0 0 159
Year 59 0 0 0 0 0 0 160
Year 60 0 0 0 0 0 0 161
Year 61 0 0 0 0 0 0 162
Year 62 0 0 0 0 0 0 163
Year 63 0 0 0 0 0 0 164
Year 64 0 0 0 0 0 0 165
Year 65 0 0 0 0 0 0 166
Year 66 0 0 0 0 0 0 167
Year 67 0 0 0 0 0 0 168
Year 68 0 0 0 0 0 0 169
Year 69 0 0 0 0 0 0 170
Year 70 0 0 0 0 0 0 171
Year 71 0 0 0 0 0 0 172
Year 72 0 0 0 0 0 0 173
Year 73 0 0 0 0 0 0 174
Year 74 0 0 0 0 0 0 175
Year 75 0 0 0 0 0 0 176
Year 76 0 0 0 0 0 0 177
Year 77 0 0 0 0 0 0 178
Year 78 0 0 0 0 0 0 179
Year 79 0 0 0 0 0 0 180
Year 80 0 0 0 0 0 0 181
Year 81 0 0 0 0 0 0 182
Year 82 0 0 0 0 0 0 183
Year 83 0 0 0 0 0 0 184
Year 84 0 0 0 0 0 0 185
Year 85 0 0 0 0 0 0 186
Year 86 0 0 0 0 0 0 187
Year 87 0 0 0 0 0 0 188
Year 88 0 0 0 0 0 0 189
Year 89 0 0 0 0 0 0 190
Year 90 0 0 0 0 0 0 191
Year 91 0 0 0 0 0 0 192
Year 92 0 0 0 0 0 0 193
Year 93 0 0 0 0 0 0 194
Year 94 0 0 0 0 0 0 195
Year 95 0 0 0 0 0 0 196
Year 96 0 0 0 0 0 0 197
Year 97 0 0 0 0 0 0 198
Year 98 0 0 0 0 0 0 199
Year 99 0 0 0 0 0 0 200
Year 100 and beyond 0 0 0 0 0 0 201
Totals 0 0 0 0 0 0 0 0 0 0 202
Morbidity - Level & Trend Recov Page 174 of 247
Morbidity Risk - Shocked CFs for Volatility Risk Page 23.200
($'000's )
(Please fill in all unshaded areas)
Incidence Rates CFs
001 002 003 004 005 006 007 008 009 010
Canada USA
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Total Volatility Shock 0 0
Termination/Recovery Rates CFs
Canada USA
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Total Volatility Shock 0 0
PV of Incidence Rates CFs
Canada - Present Values of Shocked Cash Flows USA - Present Values of Shocked Cash Flows
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Total Volatility Shock 0 0
PV of Termination/Recovery Rates CFs
Canada - Present Values of Shocked Cash Flows USA - Present Values of Shocked Cash Flows
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Total Volatility Shock 0 0
Morbidity - Volatility Page 175 of 247
Morbidity Risk - Shocked CFs for Volatility Risk
($'000's )
(Please fill in all unshaded areas)
Incidence Rates CFs
011 012 013 014 015 016 017 018 019 020
UK Europe
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Total Volatility Shock 0 0
Termination/Recovery Rates CFs
UK Europe
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Total Volatility Shock 0 0
PV of Incidence Rates CFs
UK - Present Values of Shocked Cash Flows Europe - Present Values of Shocked Cash Flows
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Total Volatility Shock 0 0
PV of Termination/Recovery Rates CFs
UK - Present Values of Shocked Cash Flows Europe - Present Values of Shocked Cash Flows
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Total Volatility Shock 0 0
Morbidity - Volatility Page 176 of 247
Morbidity Risk - Shocked CFs for Volatility Risk
($'000's )
(Please fill in all unshaded areas)
Incidence Rates CFs
021 022 023 024 025 026 027 028 029 030
Other Total
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Total Volatility Shock 0 0 0 0 0 0
Termination/Recovery Rates CFs
Other Total
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Total Volatility Shock 0 0 0 0 0 0
PV of Incidence Rates CFs
Other - Present Values of Shocked Cash Flows Total - Present Values of Shocked Cash Flows
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Total Volatility Shock 0 0 0 0 0 0
PV of Termination/Recovery Rates CFs
Other - Present Values of Shocked Cash Flows Total - Present Values of Shocked Cash Flows
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Total Volatility Shock 0 0 0 0 0 0
Morbidity - Volatility Page 177 of 247
Morbidity Risk - Shocked CFs for Catastrophe Risk Page 23.300
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008 009 010
Canada USA
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Year 1 0 0
Canada - Present Values of Shocked Cash Flows USA - Present Values of Shocked Cash Flows
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Year 1 0 0
Morbidity - Catastrophe Page 178 of 247
Morbidity Risk - Shocked CFs for Catastrophe Risk
($'000's )
(Please fill in all unshaded areas)
011 012 013 014 015 016 017 018 019 020
UK Europe
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Year 1 0 0
UK - Present Values of Shocked Cash Flows Europe - Present Values of Shocked Cash Flows
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Year 1 0 0
Morbidity - Catastrophe Page 179 of 247
Morbidity Risk - Shocked CFs for Catastrophe Risk
($'000's )
(Please fill in all unshaded areas)
021 022 023 024 025 026 027 028 029 030
Other Total
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Year 1 0 0 0 0 0 0
Other - Present Values of Shocked Cash Flows Total - Present Values of Shocked Cash Flows
A&S (other than A&S (other than
Individual Critical illness and disability, CI and Individual Critical illness and disability, CI and
disability Group disability long term care LTC) Total disability Group disability long term care LTC) Total
Year 1 0 0 0 0 0 0
Morbidity - Catastrophe Page 180 of 247
Morbidity Risk Solvency Buffers Page 30.300
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005
Canada
Critical illness A&S (other
Individual Group and long term than disability,
Total disability disability care CI and LTC)
PV of Best Estimate Liability Cash Flows 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Trend Risk -
Incidence Rates 0 0 0 0 0
Level & Trend - Incidence Rates Buffer 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Trend Risk -
Recovery Rates 0 0 0 0 0
Level & Trend - Termination Rates Buffer 0 0 0 0 0
Total Level & Trend Buffer 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0
PV of Shocked Liability Cash Flows - Volatility Risk -
Incidence Rates 0 0 0 0 0
Volatility Risk - Incidence Rates Buffer 0 0 0 0 0
PV of Shocked Liability Cash Flows - Volatility Risk -
Recovery Rates 0 0 0 0 0
Volatility Risk - Termination Rates Buffer 0 0 0 0 0
Total Volatility Buffer 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0
PV of Shocked Liability Cash Flows - Catastrophe Risk 0 0 0 0 0
Catastrophe Risk Solvency Buffer 0 0 0 0 0
Morbidity Risk Solvency Buffers Page 181 of 247
Morbidity Risk Solvency Buffers
($'000's )
(Please fill in all unshaded areas)
006 007 008 009 010
USA
Critical illness A&S (other
Individual Group and long term than disability,
Total disability disability care CI and LTC)
PV of Best Estimate Liability Cash Flows 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Trend Risk -
Incidence Rates 0 0 0 0 0
Level & Trend - Incidence Rates Buffer 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Trend Risk -
Recovery Rates 0 0 0 0 0
Level & Trend - Termination Rates Buffer 0 0 0 0 0
Total Level & Trend Buffer 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0
PV of Shocked Liability Cash Flows - Volatility Risk -
Incidence Rates 0 0 0 0 0
Volatility Risk - Incidence Rates Buffer 0 0 0 0 0
PV of Shocked Liability Cash Flows - Volatility Risk -
Recovery Rates 0 0 0 0 0
Volatility Risk - Termination Rates Buffer 0 0 0 0 0
Total Volatility Buffer 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0
PV of Shocked Liability Cash Flows - Catastrophe Risk 0 0 0 0 0
Catastrophe Risk Solvency Buffer 0 0 0 0 0
Morbidity Risk Solvency Buffers Page 182 of 247
Morbidity Risk Solvency Buffers
($'000's )
(Please fill in all unshaded areas)
011 012 013 014 015
UK
Critical illness A&S (other
Individual Group and long term than disability,
Total disability disability care CI and LTC)
PV of Best Estimate Liability Cash Flows 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Trend Risk -
Incidence Rates 0 0 0 0 0
Level & Trend - Incidence Rates Buffer 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Trend Risk -
Recovery Rates 0 0 0 0 0
Level & Trend - Termination Rates Buffer 0 0 0 0 0
Total Level & Trend Buffer 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0
PV of Shocked Liability Cash Flows - Volatility Risk -
Incidence Rates 0 0 0 0 0
Volatility Risk - Incidence Rates Buffer 0 0 0 0 0
PV of Shocked Liability Cash Flows - Volatility Risk -
Recovery Rates 0 0 0 0 0
Volatility Risk - Termination Rates Buffer 0 0 0 0 0
Total Volatility Buffer 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0
PV of Shocked Liability Cash Flows - Catastrophe Risk 0 0 0 0 0
Catastrophe Risk Solvency Buffer 0 0 0 0 0
Morbidity Risk Solvency Buffers Page 183 of 247
Morbidity Risk Solvency Buffers
($'000's )
(Please fill in all unshaded areas)
016 017 018 019 020
Europe
Critical illness A&S (other
Individual Group and long term than disability,
Total disability disability care CI and LTC)
PV of Best Estimate Liability Cash Flows 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Trend Risk -
Incidence Rates 0 0 0 0 0
Level & Trend - Incidence Rates Buffer 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Trend Risk -
Recovery Rates 0 0 0 0 0
Level & Trend - Termination Rates Buffer 0 0 0 0 0
Total Level & Trend Buffer 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0
PV of Shocked Liability Cash Flows - Volatility Risk -
Incidence Rates 0 0 0 0 0
Volatility Risk - Incidence Rates Buffer 0 0 0 0 0
PV of Shocked Liability Cash Flows - Volatility Risk -
Recovery Rates 0 0 0 0 0
Volatility Risk - Termination Rates Buffer 0 0 0 0 0
Total Volatility Buffer 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0
PV of Shocked Liability Cash Flows - Catastrophe Risk 0 0 0 0 0
Catastrophe Risk Solvency Buffer 0 0 0 0 0
Morbidity Risk Solvency Buffers Page 184 of 247
Morbidity Risk Solvency Buffers
($'000's )
(Please fill in all unshaded areas)
021 022 023 024 025
Other
Critical illness A&S (other
Individual Group and long term than disability,
Total disability disability care CI and LTC)
PV of Best Estimate Liability Cash Flows 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Trend Risk -
Incidence Rates 0 0 0 0 0
Level & Trend - Incidence Rates Buffer 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Trend Risk -
Recovery Rates 0 0 0 0 0
Level & Trend - Termination Rates Buffer 0 0 0 0 0
Total Level & Trend Buffer 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0
PV of Shocked Liability Cash Flows - Volatility Risk -
Incidence Rates 0 0 0 0 0
Volatility Risk - Incidence Rates Buffer 0 0 0 0 0
PV of Shocked Liability Cash Flows - Volatility Risk -
Recovery Rates 0 0 0 0 0
Volatility Risk - Termination Rates Buffer 0 0 0 0 0
Total Volatility Buffer 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0
PV of Shocked Liability Cash Flows - Catastrophe Risk 0 0 0 0 0
Catastrophe Risk Solvency Buffer 0 0 0 0 0
Morbidity Risk Solvency Buffers Page 185 of 247
Morbidity Risk Solvency Buffers
($'000's )
(Please fill in all unshaded areas)
026 027 028 029 030
Total
Critical illness A&S (other
Individual Group and long term than disability,
Total disability disability care CI and LTC)
PV of Best Estimate Liability Cash Flows 0 0 0 0 0 001
PV of Shocked Liability Cash Flows - Level & Trend Risk -
Incidence Rates 0 0 0 0 0 002
Level & Trend - Incidence Rates Buffer 0 0 0 0 0 003
PV of Shocked Liability Cash Flows - Level & Trend Risk -
Recovery Rates 0 0 0 0 0 004
Level & Trend - Termination Rates Buffer 0 0 0 0 0 005
Total Level & Trend Buffer 0 0 0 0 0 006
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0 007
PV of Shocked Liability Cash Flows - Volatility Risk -
Incidence Rates 0 0 0 0 0 008
Volatility Risk - Incidence Rates Buffer 0 0 0 0 0 009
PV of Shocked Liability Cash Flows - Volatility Risk -
Recovery Rates 0 0 0 0 0 010
Volatility Risk - Termination Rates Buffer 0 0 0 0 0 011
Total Volatility Buffer 0 0 0 0 0 012
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0 013
PV of Shocked Liability Cash Flows - Catastrophe Risk 0 0 0 0 0 014
Catastrophe Risk Solvency Buffer 0 0 0 0 0 015
Morbidity Risk Solvency Buffers Page 186 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks Page 24.100
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007
Canada
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
Year 2 0
Year 3 0
Year 4 0
Year 5 0
Year 6 0
Year 7 0
Year 8 0
Year 9 0
Year 10 0
Year 11 0
Year 12 0
Year 13 0
Year 14 0
Year 15 0
Year 16 0
Year 17 0
Year 18 0
Year 19 0
Year 20 0
Year 21 0
Year 22 0
Year 23 0
Year 24 0
Year 25 0
Year 26 0
Year 27 0
Year 28 0
Year 29 0
Year 30 0
Year 31 0
Year 32 0
Year 33 0
Year 34 0
Year 35 0
Year 36 0
Year 37 0
Year 38 0
Year 39 0
Year 40 0
Year 41 0
Year 42 0
Year 43 0
Year 44 0
Year 45 0
Year 46 0
Year 47 0
Year 48 0
Year 49 0
Year 50 0
Lapse - Level & Trend Page 187 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks Page 24.100
($'000's )
Year 51 0
Year 52 0
Year 53 0
Year 54 0
Year 55 0
Year 56 0
Year 57 0
Year 58 0
Year 59 0
Year 60 0
Year 61 0
Year 62 0
Year 63 0
Year 64 0
Year 65 0
Year 66 0
Year 67 0
Year 68 0
Year 69 0
Year 70 0
Year 71 0
Year 72 0
Year 73 0
Year 74 0
Year 75 0
Year 76 0
Year 77 0
Year 78 0
Year 79 0
Year 80 0
Year 81 0
Year 82 0
Year 83 0
Year 84 0
Year 85 0
Year 86 0
Year 87 0
Year 88 0
Year 89 0
Year 90 0
Year 91 0
Year 92 0
Year 93 0
Year 94 0
Year 95 0
Year 96 0
Year 97 0
Year 98 0
Year 99 0
Year 100 and beyond 0
Totals 0 0 0 0 0 0 0
Lapse - Level & Trend Page 188 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks Page 24.100
($'000's )
Canada - Present Values of Shocked Cash Flows
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
Year 2 0
Year 3 0
Year 4 0
Year 5 0
Year 6 0
Year 7 0
Year 8 0
Year 9 0
Year 10 0
Year 11 0
Year 12 0
Year 13 0
Year 14 0
Year 15 0
Year 16 0
Year 17 0
Year 18 0
Year 19 0
Year 20 0
Year 21 0
Year 22 0
Year 23 0
Year 24 0
Year 25 0
Year 26 0
Year 27 0
Year 28 0
Year 29 0
Year 30 0
Year 31 0
Year 32 0
Year 33 0
Year 34 0
Year 35 0
Year 36 0
Year 37 0
Year 38 0
Year 39 0
Year 40 0
Year 41 0
Year 42 0
Year 43 0
Year 44 0
Year 45 0
Year 46 0
Year 47 0
Year 48 0
Year 49 0
Year 50 0
Lapse - Level & Trend Page 189 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks Page 24.100
($'000's )
Year 51 0
Year 52 0
Year 53 0
Year 54 0
Year 55 0
Year 56 0
Year 57 0
Year 58 0
Year 59 0
Year 60 0
Year 61 0
Year 62 0
Year 63 0
Year 64 0
Year 65 0
Year 66 0
Year 67 0
Year 68 0
Year 69 0
Year 70 0
Year 71 0
Year 72 0
Year 73 0
Year 74 0
Year 75 0
Year 76 0
Year 77 0
Year 78 0
Year 79 0
Year 80 0
Year 81 0
Year 82 0
Year 83 0
Year 84 0
Year 85 0
Year 86 0
Year 87 0
Year 88 0
Year 89 0
Year 90 0
Year 91 0
Year 92 0
Year 93 0
Year 94 0
Year 95 0
Year 96 0
Year 97 0
Year 98 0
Year 99 0
Year 100 and beyond 0
Totals 0 0 0 0 0 0 0
Lapse - Level & Trend Page 190 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
(Please fill in all unshaded areas)
008 009 010 011 012 013 014
USA
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
Year 2 0
Year 3 0
Year 4 0
Year 5 0
Year 6 0
Year 7 0
Year 8 0
Year 9 0
Year 10 0
Year 11 0
Year 12 0
Year 13 0
Year 14 0
Year 15 0
Year 16 0
Year 17 0
Year 18 0
Year 19 0
Year 20 0
Year 21 0
Year 22 0
Year 23 0
Year 24 0
Year 25 0
Year 26 0
Year 27 0
Year 28 0
Year 29 0
Year 30 0
Year 31 0
Year 32 0
Year 33 0
Year 34 0
Year 35 0
Year 36 0
Year 37 0
Year 38 0
Year 39 0
Year 40 0
Year 41 0
Year 42 0
Year 43 0
Year 44 0
Year 45 0
Year 46 0
Year 47 0
Year 48 0
Year 49 0
Year 50 0
Lapse - Level & Trend Page 191 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
Year 51 0
Year 52 0
Year 53 0
Year 54 0
Year 55 0
Year 56 0
Year 57 0
Year 58 0
Year 59 0
Year 60 0
Year 61 0
Year 62 0
Year 63 0
Year 64 0
Year 65 0
Year 66 0
Year 67 0
Year 68 0
Year 69 0
Year 70 0
Year 71 0
Year 72 0
Year 73 0
Year 74 0
Year 75 0
Year 76 0
Year 77 0
Year 78 0
Year 79 0
Year 80 0
Year 81 0
Year 82 0
Year 83 0
Year 84 0
Year 85 0
Year 86 0
Year 87 0
Year 88 0
Year 89 0
Year 90 0
Year 91 0
Year 92 0
Year 93 0
Year 94 0
Year 95 0
Year 96 0
Year 97 0
Year 98 0
Year 99 0
Year 100 and beyond 0
Totals 0 0 0 0 0 0 0
Lapse - Level & Trend Page 192 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
USA - Present Values of Shocked Cash Flows
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
Year 2 0
Year 3 0
Year 4 0
Year 5 0
Year 6 0
Year 7 0
Year 8 0
Year 9 0
Year 10 0
Year 11 0
Year 12 0
Year 13 0
Year 14 0
Year 15 0
Year 16 0
Year 17 0
Year 18 0
Year 19 0
Year 20 0
Year 21 0
Year 22 0
Year 23 0
Year 24 0
Year 25 0
Year 26 0
Year 27 0
Year 28 0
Year 29 0
Year 30 0
Year 31 0
Year 32 0
Year 33 0
Year 34 0
Year 35 0
Year 36 0
Year 37 0
Year 38 0
Year 39 0
Year 40 0
Year 41 0
Year 42 0
Year 43 0
Year 44 0
Year 45 0
Year 46 0
Year 47 0
Year 48 0
Year 49 0
Year 50 0
Lapse - Level & Trend Page 193 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
Year 51 0
Year 52 0
Year 53 0
Year 54 0
Year 55 0
Year 56 0
Year 57 0
Year 58 0
Year 59 0
Year 60 0
Year 61 0
Year 62 0
Year 63 0
Year 64 0
Year 65 0
Year 66 0
Year 67 0
Year 68 0
Year 69 0
Year 70 0
Year 71 0
Year 72 0
Year 73 0
Year 74 0
Year 75 0
Year 76 0
Year 77 0
Year 78 0
Year 79 0
Year 80 0
Year 81 0
Year 82 0
Year 83 0
Year 84 0
Year 85 0
Year 86 0
Year 87 0
Year 88 0
Year 89 0
Year 90 0
Year 91 0
Year 92 0
Year 93 0
Year 94 0
Year 95 0
Year 96 0
Year 97 0
Year 98 0
Year 99 0
Year 100 and beyond 0
Totals 0 0 0 0 0 0 0
Lapse - Level & Trend Page 194 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
(Please fill in all unshaded areas)
015 016 017 018 019 020 021
UK
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
Year 2 0
Year 3 0
Year 4 0
Year 5 0
Year 6 0
Year 7 0
Year 8 0
Year 9 0
Year 10 0
Year 11 0
Year 12 0
Year 13 0
Year 14 0
Year 15 0
Year 16 0
Year 17 0
Year 18 0
Year 19 0
Year 20 0
Year 21 0
Year 22 0
Year 23 0
Year 24 0
Year 25 0
Year 26 0
Year 27 0
Year 28 0
Year 29 0
Year 30 0
Year 31 0
Year 32 0
Year 33 0
Year 34 0
Year 35 0
Year 36 0
Year 37 0
Year 38 0
Year 39 0
Year 40 0
Year 41 0
Year 42 0
Year 43 0
Year 44 0
Year 45 0
Year 46 0
Year 47 0
Year 48 0
Year 49 0
Year 50 0
Lapse - Level & Trend Page 195 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
Year 51 0
Year 52 0
Year 53 0
Year 54 0
Year 55 0
Year 56 0
Year 57 0
Year 58 0
Year 59 0
Year 60 0
Year 61 0
Year 62 0
Year 63 0
Year 64 0
Year 65 0
Year 66 0
Year 67 0
Year 68 0
Year 69 0
Year 70 0
Year 71 0
Year 72 0
Year 73 0
Year 74 0
Year 75 0
Year 76 0
Year 77 0
Year 78 0
Year 79 0
Year 80 0
Year 81 0
Year 82 0
Year 83 0
Year 84 0
Year 85 0
Year 86 0
Year 87 0
Year 88 0
Year 89 0
Year 90 0
Year 91 0
Year 92 0
Year 93 0
Year 94 0
Year 95 0
Year 96 0
Year 97 0
Year 98 0
Year 99 0
Year 100 and beyond 0
Totals 0 0 0 0 0 0 0
Lapse - Level & Trend Page 196 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
UK - Present Values of Shocked Cash Flows
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
Year 2 0
Year 3 0
Year 4 0
Year 5 0
Year 6 0
Year 7 0
Year 8 0
Year 9 0
Year 10 0
Year 11 0
Year 12 0
Year 13 0
Year 14 0
Year 15 0
Year 16 0
Year 17 0
Year 18 0
Year 19 0
Year 20 0
Year 21 0
Year 22 0
Year 23 0
Year 24 0
Year 25 0
Year 26 0
Year 27 0
Year 28 0
Year 29 0
Year 30 0
Year 31 0
Year 32 0
Year 33 0
Year 34 0
Year 35 0
Year 36 0
Year 37 0
Year 38 0
Year 39 0
Year 40 0
Year 41 0
Year 42 0
Year 43 0
Year 44 0
Year 45 0
Year 46 0
Year 47 0
Year 48 0
Year 49 0
Year 50 0
Lapse - Level & Trend Page 197 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
Year 51 0
Year 52 0
Year 53 0
Year 54 0
Year 55 0
Year 56 0
Year 57 0
Year 58 0
Year 59 0
Year 60 0
Year 61 0
Year 62 0
Year 63 0
Year 64 0
Year 65 0
Year 66 0
Year 67 0
Year 68 0
Year 69 0
Year 70 0
Year 71 0
Year 72 0
Year 73 0
Year 74 0
Year 75 0
Year 76 0
Year 77 0
Year 78 0
Year 79 0
Year 80 0
Year 81 0
Year 82 0
Year 83 0
Year 84 0
Year 85 0
Year 86 0
Year 87 0
Year 88 0
Year 89 0
Year 90 0
Year 91 0
Year 92 0
Year 93 0
Year 94 0
Year 95 0
Year 96 0
Year 97 0
Year 98 0
Year 99 0
Year 100 and beyond 0
Totals 0 0 0 0 0 0 0
Lapse - Level & Trend Page 198 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
(Please fill in all unshaded areas)
022 023 024 025 026 027 028
Europe
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
Year 2 0
Year 3 0
Year 4 0
Year 5 0
Year 6 0
Year 7 0
Year 8 0
Year 9 0
Year 10 0
Year 11 0
Year 12 0
Year 13 0
Year 14 0
Year 15 0
Year 16 0
Year 17 0
Year 18 0
Year 19 0
Year 20 0
Year 21 0
Year 22 0
Year 23 0
Year 24 0
Year 25 0
Year 26 0
Year 27 0
Year 28 0
Year 29 0
Year 30 0
Year 31 0
Year 32 0
Year 33 0
Year 34 0
Year 35 0
Year 36 0
Year 37 0
Year 38 0
Year 39 0
Year 40 0
Year 41 0
Year 42 0
Year 43 0
Year 44 0
Year 45 0
Year 46 0
Year 47 0
Year 48 0
Year 49 0
Year 50 0
Lapse - Level & Trend Page 199 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
Year 51 0
Year 52 0
Year 53 0
Year 54 0
Year 55 0
Year 56 0
Year 57 0
Year 58 0
Year 59 0
Year 60 0
Year 61 0
Year 62 0
Year 63 0
Year 64 0
Year 65 0
Year 66 0
Year 67 0
Year 68 0
Year 69 0
Year 70 0
Year 71 0
Year 72 0
Year 73 0
Year 74 0
Year 75 0
Year 76 0
Year 77 0
Year 78 0
Year 79 0
Year 80 0
Year 81 0
Year 82 0
Year 83 0
Year 84 0
Year 85 0
Year 86 0
Year 87 0
Year 88 0
Year 89 0
Year 90 0
Year 91 0
Year 92 0
Year 93 0
Year 94 0
Year 95 0
Year 96 0
Year 97 0
Year 98 0
Year 99 0
Year 100 and beyond 0
Totals 0 0 0 0 0 0 0
Lapse - Level & Trend Page 200 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
Europe - Present Values of Shocked Cash Flows
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
Year 2 0
Year 3 0
Year 4 0
Year 5 0
Year 6 0
Year 7 0
Year 8 0
Year 9 0
Year 10 0
Year 11 0
Year 12 0
Year 13 0
Year 14 0
Year 15 0
Year 16 0
Year 17 0
Year 18 0
Year 19 0
Year 20 0
Year 21 0
Year 22 0
Year 23 0
Year 24 0
Year 25 0
Year 26 0
Year 27 0
Year 28 0
Year 29 0
Year 30 0
Year 31 0
Year 32 0
Year 33 0
Year 34 0
Year 35 0
Year 36 0
Year 37 0
Year 38 0
Year 39 0
Year 40 0
Year 41 0
Year 42 0
Year 43 0
Year 44 0
Year 45 0
Year 46 0
Year 47 0
Year 48 0
Year 49 0
Year 50 0
Lapse - Level & Trend Page 201 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
Year 51 0
Year 52 0
Year 53 0
Year 54 0
Year 55 0
Year 56 0
Year 57 0
Year 58 0
Year 59 0
Year 60 0
Year 61 0
Year 62 0
Year 63 0
Year 64 0
Year 65 0
Year 66 0
Year 67 0
Year 68 0
Year 69 0
Year 70 0
Year 71 0
Year 72 0
Year 73 0
Year 74 0
Year 75 0
Year 76 0
Year 77 0
Year 78 0
Year 79 0
Year 80 0
Year 81 0
Year 82 0
Year 83 0
Year 84 0
Year 85 0
Year 86 0
Year 87 0
Year 88 0
Year 89 0
Year 90 0
Year 91 0
Year 92 0
Year 93 0
Year 94 0
Year 95 0
Year 96 0
Year 97 0
Year 98 0
Year 99 0
Year 100 and beyond 0
Totals 0 0 0 0 0 0 0
Lapse - Level & Trend Page 202 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
(Please fill in all unshaded areas)
029 030 031 032 033 034 035
Other
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
Year 2 0
Year 3 0
Year 4 0
Year 5 0
Year 6 0
Year 7 0
Year 8 0
Year 9 0
Year 10 0
Year 11 0
Year 12 0
Year 13 0
Year 14 0
Year 15 0
Year 16 0
Year 17 0
Year 18 0
Year 19 0
Year 20 0
Year 21 0
Year 22 0
Year 23 0
Year 24 0
Year 25 0
Year 26 0
Year 27 0
Year 28 0
Year 29 0
Year 30 0
Year 31 0
Year 32 0
Year 33 0
Year 34 0
Year 35 0
Year 36 0
Year 37 0
Year 38 0
Year 39 0
Year 40 0
Year 41 0
Year 42 0
Year 43 0
Year 44 0
Year 45 0
Year 46 0
Year 47 0
Year 48 0
Year 49 0
Year 50 0
Lapse - Level & Trend Page 203 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
Year 51 0
Year 52 0
Year 53 0
Year 54 0
Year 55 0
Year 56 0
Year 57 0
Year 58 0
Year 59 0
Year 60 0
Year 61 0
Year 62 0
Year 63 0
Year 64 0
Year 65 0
Year 66 0
Year 67 0
Year 68 0
Year 69 0
Year 70 0
Year 71 0
Year 72 0
Year 73 0
Year 74 0
Year 75 0
Year 76 0
Year 77 0
Year 78 0
Year 79 0
Year 80 0
Year 81 0
Year 82 0
Year 83 0
Year 84 0
Year 85 0
Year 86 0
Year 87 0
Year 88 0
Year 89 0
Year 90 0
Year 91 0
Year 92 0
Year 93 0
Year 94 0
Year 95 0
Year 96 0
Year 97 0
Year 98 0
Year 99 0
Year 100 and beyond 0
Totals 0 0 0 0 0 0 0
Lapse - Level & Trend Page 204 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
Other - Present Values of Shocked Cash Flows
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
Year 2 0
Year 3 0
Year 4 0
Year 5 0
Year 6 0
Year 7 0
Year 8 0
Year 9 0
Year 10 0
Year 11 0
Year 12 0
Year 13 0
Year 14 0
Year 15 0
Year 16 0
Year 17 0
Year 18 0
Year 19 0
Year 20 0
Year 21 0
Year 22 0
Year 23 0
Year 24 0
Year 25 0
Year 26 0
Year 27 0
Year 28 0
Year 29 0
Year 30 0
Year 31 0
Year 32 0
Year 33 0
Year 34 0
Year 35 0
Year 36 0
Year 37 0
Year 38 0
Year 39 0
Year 40 0
Year 41 0
Year 42 0
Year 43 0
Year 44 0
Year 45 0
Year 46 0
Year 47 0
Year 48 0
Year 49 0
Year 50 0
Lapse - Level & Trend Page 205 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
Year 51 0
Year 52 0
Year 53 0
Year 54 0
Year 55 0
Year 56 0
Year 57 0
Year 58 0
Year 59 0
Year 60 0
Year 61 0
Year 62 0
Year 63 0
Year 64 0
Year 65 0
Year 66 0
Year 67 0
Year 68 0
Year 69 0
Year 70 0
Year 71 0
Year 72 0
Year 73 0
Year 74 0
Year 75 0
Year 76 0
Year 77 0
Year 78 0
Year 79 0
Year 80 0
Year 81 0
Year 82 0
Year 83 0
Year 84 0
Year 85 0
Year 86 0
Year 87 0
Year 88 0
Year 89 0
Year 90 0
Year 91 0
Year 92 0
Year 93 0
Year 94 0
Year 95 0
Year 96 0
Year 97 0
Year 98 0
Year 99 0
Year 100 and beyond 0
Totals 0 0 0 0 0 0 0
Lapse - Level & Trend Page 206 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
(Please fill in all unshaded areas)
036 037 038 039 040 041 042
Total
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0 0 0 0 0 0 0 001
Year 2 0 0 0 0 0 0 0 002
Year 3 0 0 0 0 0 0 0 003
Year 4 0 0 0 0 0 0 0 004
Year 5 0 0 0 0 0 0 0 005
Year 6 0 0 0 0 0 0 0 006
Year 7 0 0 0 0 0 0 0 007
Year 8 0 0 0 0 0 0 0 008
Year 9 0 0 0 0 0 0 0 009
Year 10 0 0 0 0 0 0 0 010
Year 11 0 0 0 0 0 0 0 011
Year 12 0 0 0 0 0 0 0 012
Year 13 0 0 0 0 0 0 0 013
Year 14 0 0 0 0 0 0 0 014
Year 15 0 0 0 0 0 0 0 015
Year 16 0 0 0 0 0 0 0 016
Year 17 0 0 0 0 0 0 0 017
Year 18 0 0 0 0 0 0 0 018
Year 19 0 0 0 0 0 0 0 019
Year 20 0 0 0 0 0 0 0 020
Year 21 0 0 0 0 0 0 0 021
Year 22 0 0 0 0 0 0 0 022
Year 23 0 0 0 0 0 0 0 023
Year 24 0 0 0 0 0 0 0 024
Year 25 0 0 0 0 0 0 0 025
Year 26 0 0 0 0 0 0 0 026
Year 27 0 0 0 0 0 0 0 027
Year 28 0 0 0 0 0 0 0 028
Year 29 0 0 0 0 0 0 0 029
Year 30 0 0 0 0 0 0 0 030
Year 31 0 0 0 0 0 0 0 031
Year 32 0 0 0 0 0 0 0 032
Year 33 0 0 0 0 0 0 0 033
Year 34 0 0 0 0 0 0 0 034
Year 35 0 0 0 0 0 0 0 035
Year 36 0 0 0 0 0 0 0 036
Year 37 0 0 0 0 0 0 0 037
Year 38 0 0 0 0 0 0 0 038
Year 39 0 0 0 0 0 0 0 039
Year 40 0 0 0 0 0 0 0 040
Year 41 0 0 0 0 0 0 0 041
Year 42 0 0 0 0 0 0 0 042
Year 43 0 0 0 0 0 0 0 043
Year 44 0 0 0 0 0 0 0 044
Year 45 0 0 0 0 0 0 0 045
Year 46 0 0 0 0 0 0 0 046
Year 47 0 0 0 0 0 0 0 047
Year 48 0 0 0 0 0 0 0 048
Year 49 0 0 0 0 0 0 0 049
Year 50 0 0 0 0 0 0 0 050
Lapse - Level & Trend Page 207 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
Year 51 0 0 0 0 0 0 0 051
Year 52 0 0 0 0 0 0 0 052
Year 53 0 0 0 0 0 0 0 053
Year 54 0 0 0 0 0 0 0 054
Year 55 0 0 0 0 0 0 0 055
Year 56 0 0 0 0 0 0 0 056
Year 57 0 0 0 0 0 0 0 057
Year 58 0 0 0 0 0 0 0 058
Year 59 0 0 0 0 0 0 0 059
Year 60 0 0 0 0 0 0 0 060
Year 61 0 0 0 0 0 0 0 061
Year 62 0 0 0 0 0 0 0 062
Year 63 0 0 0 0 0 0 0 063
Year 64 0 0 0 0 0 0 0 064
Year 65 0 0 0 0 0 0 0 065
Year 66 0 0 0 0 0 0 0 066
Year 67 0 0 0 0 0 0 0 067
Year 68 0 0 0 0 0 0 0 068
Year 69 0 0 0 0 0 0 0 069
Year 70 0 0 0 0 0 0 0 070
Year 71 0 0 0 0 0 0 0 071
Year 72 0 0 0 0 0 0 0 072
Year 73 0 0 0 0 0 0 0 073
Year 74 0 0 0 0 0 0 0 074
Year 75 0 0 0 0 0 0 0 075
Year 76 0 0 0 0 0 0 0 076
Year 77 0 0 0 0 0 0 0 077
Year 78 0 0 0 0 0 0 0 078
Year 79 0 0 0 0 0 0 0 079
Year 80 0 0 0 0 0 0 0 080
Year 81 0 0 0 0 0 0 0 081
Year 82 0 0 0 0 0 0 0 082
Year 83 0 0 0 0 0 0 0 083
Year 84 0 0 0 0 0 0 0 084
Year 85 0 0 0 0 0 0 0 085
Year 86 0 0 0 0 0 0 0 086
Year 87 0 0 0 0 0 0 0 087
Year 88 0 0 0 0 0 0 0 088
Year 89 0 0 0 0 0 0 0 089
Year 90 0 0 0 0 0 0 0 090
Year 91 0 0 0 0 0 0 0 091
Year 92 0 0 0 0 0 0 0 092
Year 93 0 0 0 0 0 0 0 093
Year 94 0 0 0 0 0 0 0 094
Year 95 0 0 0 0 0 0 0 095
Year 96 0 0 0 0 0 0 0 096
Year 97 0 0 0 0 0 0 0 097
Year 98 0 0 0 0 0 0 0 098
Year 99 0 0 0 0 0 0 0 099
Year 100 and beyond 0 0 0 0 0 0 0 100
Totals 0 0 0 0 0 0 0 101
Lapse - Level & Trend Page 208 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
Total - Present Values of Shocked Cash Flows
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0 0 0 0 0 0 0 102
Year 2 0 0 0 0 0 0 0 103
Year 3 0 0 0 0 0 0 0 104
Year 4 0 0 0 0 0 0 0 105
Year 5 0 0 0 0 0 0 0 106
Year 6 0 0 0 0 0 0 0 107
Year 7 0 0 0 0 0 0 0 108
Year 8 0 0 0 0 0 0 0 109
Year 9 0 0 0 0 0 0 0 110
Year 10 0 0 0 0 0 0 0 111
Year 11 0 0 0 0 0 0 0 112
Year 12 0 0 0 0 0 0 0 113
Year 13 0 0 0 0 0 0 0 114
Year 14 0 0 0 0 0 0 0 115
Year 15 0 0 0 0 0 0 0 116
Year 16 0 0 0 0 0 0 0 117
Year 17 0 0 0 0 0 0 0 118
Year 18 0 0 0 0 0 0 0 119
Year 19 0 0 0 0 0 0 0 120
Year 20 0 0 0 0 0 0 0 121
Year 21 0 0 0 0 0 0 0 122
Year 22 0 0 0 0 0 0 0 123
Year 23 0 0 0 0 0 0 0 124
Year 24 0 0 0 0 0 0 0 125
Year 25 0 0 0 0 0 0 0 126
Year 26 0 0 0 0 0 0 0 127
Year 27 0 0 0 0 0 0 0 128
Year 28 0 0 0 0 0 0 0 129
Year 29 0 0 0 0 0 0 0 130
Year 30 0 0 0 0 0 0 0 131
Year 31 0 0 0 0 0 0 0 132
Year 32 0 0 0 0 0 0 0 133
Year 33 0 0 0 0 0 0 0 134
Year 34 0 0 0 0 0 0 0 135
Year 35 0 0 0 0 0 0 0 136
Year 36 0 0 0 0 0 0 0 137
Year 37 0 0 0 0 0 0 0 138
Year 38 0 0 0 0 0 0 0 139
Year 39 0 0 0 0 0 0 0 140
Year 40 0 0 0 0 0 0 0 141
Year 41 0 0 0 0 0 0 0 142
Year 42 0 0 0 0 0 0 0 143
Year 43 0 0 0 0 0 0 0 144
Year 44 0 0 0 0 0 0 0 145
Year 45 0 0 0 0 0 0 0 146
Year 46 0 0 0 0 0 0 0 147
Year 47 0 0 0 0 0 0 0 148
Year 48 0 0 0 0 0 0 0 149
Year 49 0 0 0 0 0 0 0 150
Year 50 0 0 0 0 0 0 0 151
Lapse - Level & Trend Page 209 of 247
Lapse Risk - Shocked CFs for Level & Trend Risks
($'000's )
Year 51 0 0 0 0 0 0 0 152
Year 52 0 0 0 0 0 0 0 153
Year 53 0 0 0 0 0 0 0 154
Year 54 0 0 0 0 0 0 0 155
Year 55 0 0 0 0 0 0 0 156
Year 56 0 0 0 0 0 0 0 157
Year 57 0 0 0 0 0 0 0 158
Year 58 0 0 0 0 0 0 0 159
Year 59 0 0 0 0 0 0 0 160
Year 60 0 0 0 0 0 0 0 161
Year 61 0 0 0 0 0 0 0 162
Year 62 0 0 0 0 0 0 0 163
Year 63 0 0 0 0 0 0 0 164
Year 64 0 0 0 0 0 0 0 165
Year 65 0 0 0 0 0 0 0 166
Year 66 0 0 0 0 0 0 0 167
Year 67 0 0 0 0 0 0 0 168
Year 68 0 0 0 0 0 0 0 169
Year 69 0 0 0 0 0 0 0 170
Year 70 0 0 0 0 0 0 0 171
Year 71 0 0 0 0 0 0 0 172
Year 72 0 0 0 0 0 0 0 173
Year 73 0 0 0 0 0 0 0 174
Year 74 0 0 0 0 0 0 0 175
Year 75 0 0 0 0 0 0 0 176
Year 76 0 0 0 0 0 0 0 177
Year 77 0 0 0 0 0 0 0 178
Year 78 0 0 0 0 0 0 0 179
Year 79 0 0 0 0 0 0 0 180
Year 80 0 0 0 0 0 0 0 181
Year 81 0 0 0 0 0 0 0 182
Year 82 0 0 0 0 0 0 0 183
Year 83 0 0 0 0 0 0 0 184
Year 84 0 0 0 0 0 0 0 185
Year 85 0 0 0 0 0 0 0 186
Year 86 0 0 0 0 0 0 0 187
Year 87 0 0 0 0 0 0 0 188
Year 88 0 0 0 0 0 0 0 189
Year 89 0 0 0 0 0 0 0 190
Year 90 0 0 0 0 0 0 0 191
Year 91 0 0 0 0 0 0 0 192
Year 92 0 0 0 0 0 0 0 193
Year 93 0 0 0 0 0 0 0 194
Year 94 0 0 0 0 0 0 0 195
Year 95 0 0 0 0 0 0 0 196
Year 96 0 0 0 0 0 0 0 197
Year 97 0 0 0 0 0 0 0 198
Year 98 0 0 0 0 0 0 0 199
Year 99 0 0 0 0 0 0 0 200
Year 100 and beyond 0 0 0 0 0 0 0 201
Totals 0 0 0 0 0 0 0 202
Lapse - Level & Trend Page 210 of 247
Lapse Risk - Shocked CFs for Volatility Risk Page 24.200
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007
Canada
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Total Volatility Shock 0
Canada - Present Values of Shocked Cash Flows
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Total Volatility Shock 0
Lapse - Volatility Page 211 of 247
Lapse Risk - Shocked CFs for Volatility Risk
($'000's )
(Please fill in all unshaded areas)
008 009 010 011 012 013 014
USA
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Total Volatility Shock 0
USA - Present Values of Shocked Cash Flows
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Total Volatility Shock 0
Lapse - Volatility Page 212 of 247
Lapse Risk - Shocked CFs for Volatility Risk
($'000's )
(Please fill in all unshaded areas)
015 016 017 018 019 020 021
UK
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Total Volatility Shock 0
UK - Present Values of Shocked Cash Flows
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Total Volatility Shock 0
Lapse - Volatility Page 213 of 247
Lapse Risk - Shocked CFs for Volatility Risk
($'000's )
(Please fill in all unshaded areas)
022 023 024 025 026 027 028
Europe
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Total Volatility Shock 0
Europe - Present Values of Shocked Cash Flows
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Total Volatility Shock 0
Lapse - Volatility Page 214 of 247
Lapse Risk - Shocked CFs for Volatility Risk
($'000's )
(Please fill in all unshaded areas)
029 030 031 032 033 034 035
Other
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Total Volatility Shock 0
Other - Present Values of Shocked Cash Flows
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Total Volatility Shock 0
Lapse - Volatility Page 215 of 247
Lapse Risk - Shocked CFs for Volatility Risk
($'000's )
(Please fill in all unshaded areas)
036 037 038 039 040 041 042
Total
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Total Volatility Shock 0 0 0 0 0 0 0 001
Total - Present Values of Shocked Cash Flows
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Total Volatility Shock 0 0 0 0 0 0 0 001
Lapse - Volatility Page 216 of 247
Lapse Risk - Shocked CFs for Catastrophe Risk Page 24.300
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007
Canada
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
Canada - Present Values of Shocked Cash Flows
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
Lapse - Catastrophe Page 217 of 247
Lapse Risk - Shocked CFs for Catastrophe Risk
($'000's )
(Please fill in all unshaded areas)
008 009 010 011 012 013 014
USA
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
USA - Present Values of Shocked Cash Flows
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
Lapse - Catastrophe Page 218 of 247
Lapse Risk - Shocked CFs for Catastrophe Risk
($'000's )
(Please fill in all unshaded areas)
015 016 017 018 019 020 021
UK
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
UK - Present Values of Shocked Cash Flows
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
Lapse - Catastrophe Page 219 of 247
Lapse Risk - Shocked CFs for Catastrophe Risk
($'000's )
(Please fill in all unshaded areas)
022 023 024 025 026 027 028
Europe
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
Europe - Present Values of Shocked Cash Flows
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
Lapse - Catastrophe Page 220 of 247
Lapse Risk - Shocked CFs for Catastrophe Risk
($'000's )
(Please fill in all unshaded areas)
029 030 031 032 033 034 035
Other
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
Other - Present Values of Shocked Cash Flows
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0
Lapse - Catastrophe Page 221 of 247
Lapse Risk - Shocked CFs for Catastrophe Risk
($'000's )
(Please fill in all unshaded areas)
036 037 038 039 040 041 042
Total
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0 0 0 0 0 0 0 001
Total - Present Values of Shocked Cash Flows
Long term
T-5, T-10, T-20 disability and All other life
and other Critical illness and other individual products (e.g. WL,
T-100 Level COI UL renewable terms long term care A&S T-65, UL YRT) Total
Year 1 0 0 0 0 0 0 0 002
Lapse - Catastrophe Page 222 of 247
Lapse Risk Solvency Buffers Page 30.400
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007
Canada
Long term
T-5, T-10, T- disability and All other life
20 and other Critical illness other products (e.g.
renewable and long term individual WL, T-65, UL
Total T-100 Level COI UL terms care A&S YRT)
PV of Best Estimate Liability Cash Flows 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Trend Risks 0 0 0 0 0 0 0
Level & Trend Risk Solvency Buffer 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Volatility Risk 0 0 0 0 0 0 0
Volatility Risk Solvency Buffer 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Catastrophe Risk 0 0 0 0 0 0 0
Catastrophe Risk Solvency Buffer 0 0 0 0 0 0 0
Canada USA UK Europe Other
Level & Trend Solvency Buffer 0 0 0 0 0 010
Volatility Solvency Buffer 0 0 0 0 0 011
A) Sum of Level & Trend and Volatility Solvency Buffers 0 0 0 0 0 012
B) Catastrophe Solvency Buffer 0 0 0 0 0 013
Solvency Buffer by Jurisdiction (greater of A and B) 0 0 0 0 0 014
Total Lapse Solvency Buffer 0 015
Lapse Risk Solvency Buffers Page 223 of 247
Lapse Risk Solvency Buffers
($'000's )
(Please fill in all unshaded areas)
008 009 010 011 012 013 014
USA
Long term
T-5, T-10, T- disability and All other life
20 and other Critical illness other products (e.g.
renewable and long term individual WL, T-65, UL
Total T-100 Level COI UL terms care A&S YRT)
PV of Best Estimate Liability Cash Flows 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Trend Risks 0 0 0 0 0 0 0
Level & Trend Risk Solvency Buffer 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Volatility Risk 0 0 0 0 0 0 0
Volatility Risk Solvency Buffer 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Catastrophe Risk 0 0 0 0 0 0 0
Catastrophe Risk Solvency Buffer 0 0 0 0 0 0 0
Level & Trend Solvency Buffer
Volatility Solvency Buffer
A) Sum of Level & Trend and Volatility Solvency Buffers
B) Catastrophe Solvency Buffer
Solvency Buffer by Jurisdiction (greater of A and B)
Total Lapse Solvency Buffer
Lapse Risk Solvency Buffers Page 224 of 247
Lapse Risk Solvency Buffers
($'000's )
(Please fill in all unshaded areas)
015 016 017 018 019 020 021
UK
Long term
T-5, T-10, T- disability and All other life
20 and other Critical illness other products (e.g.
renewable and long term individual WL, T-65, UL
Total T-100 Level COI UL terms care A&S YRT)
PV of Best Estimate Liability Cash Flows 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Trend Risks 0 0 0 0 0 0 0
Level & Trend Risk Solvency Buffer 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Volatility Risk 0 0 0 0 0 0 0
Volatility Risk Solvency Buffer 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Catastrophe Risk 0 0 0 0 0 0 0
Catastrophe Risk Solvency Buffer 0 0 0 0 0 0 0
Level & Trend Solvency Buffer
Volatility Solvency Buffer
A) Sum of Level & Trend and Volatility Solvency Buffers
B) Catastrophe Solvency Buffer
Solvency Buffer by Jurisdiction (greater of A and B)
Total Lapse Solvency Buffer
Lapse Risk Solvency Buffers Page 225 of 247
Lapse Risk Solvency Buffers
($'000's )
(Please fill in all unshaded areas)
022 023 024 025 026 027 028
Europe
Long term
T-5, T-10, T- disability and All other life
20 and other Critical illness other products (e.g.
renewable and long term individual WL, T-65, UL
Total T-100 Level COI UL terms care A&S YRT)
PV of Best Estimate Liability Cash Flows 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Trend Risks 0 0 0 0 0 0 0
Level & Trend Risk Solvency Buffer 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Volatility Risk 0 0 0 0 0 0 0
Volatility Risk Solvency Buffer 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Catastrophe Risk 0 0 0 0 0 0 0
Catastrophe Risk Solvency Buffer 0 0 0 0 0 0 0
Level & Trend Solvency Buffer
Volatility Solvency Buffer
A) Sum of Level & Trend and Volatility Solvency Buffers
B) Catastrophe Solvency Buffer
Solvency Buffer by Jurisdiction (greater of A and B)
Total Lapse Solvency Buffer
Lapse Risk Solvency Buffers Page 226 of 247
Lapse Risk Solvency Buffers
($'000's )
(Please fill in all unshaded areas)
029 030 031 032 033 034 035
Other
Long term
T-5, T-10, T- disability and All other life
20 and other Critical illness other products (e.g.
renewable and long term individual WL, T-65, UL
Total T-100 Level COI UL terms care A&S YRT)
PV of Best Estimate Liability Cash Flows 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Trend Risks 0 0 0 0 0 0 0
Level & Trend Risk Solvency Buffer 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Volatility Risk 0 0 0 0 0 0 0
Volatility Risk Solvency Buffer 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Catastrophe Risk 0 0 0 0 0 0 0
Catastrophe Risk Solvency Buffer 0 0 0 0 0 0 0
Level & Trend Solvency Buffer
Volatility Solvency Buffer
A) Sum of Level & Trend and Volatility Solvency Buffers
B) Catastrophe Solvency Buffer
Solvency Buffer by Jurisdiction (greater of A and B)
Total Lapse Solvency Buffer
Lapse Risk Solvency Buffers Page 227 of 247
Lapse Risk Solvency Buffers
($'000's )
(Please fill in all unshaded areas)
036 037 038 039 040 041 042
Total
Long term
T-5, T-10, T- disability and All other life
20 and other Critical illness other products (e.g.
renewable and long term individual WL, T-65, UL
Total T-100 Level COI UL terms care A&S YRT)
PV of Best Estimate Liability Cash Flows 0 0 0 0 0 0 0 001
PV of Shocked Liability Cash Flows - Level & Trend Risks 0 0 0 0 0 0 0 002
Level & Trend Risk Solvency Buffer 0 0 0 0 0 0 0 003
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0 0 0 004
PV of Shocked Liability Cash Flows - Volatility Risk 0 0 0 0 0 0 0 005
Volatility Risk Solvency Buffer 0 0 0 0 0 0 0 006
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0 0 0 007
PV of Shocked Liability Cash Flows - Catastrophe Risk 0 0 0 0 0 0 0 008
Catastrophe Risk Solvency Buffer 0 0 0 0 0 0 0 009
Level & Trend Solvency Buffer
Volatility Solvency Buffer
A) Sum of Level & Trend and Volatility Solvency Buffers
B) Catastrophe Solvency Buffer
Solvency Buffer by Jurisdiction (greater of A and B)
Total Lapse Solvency Buffer
Lapse Risk Solvency Buffers Page 228 of 247
Expense Risk - Shocked CFs for Level & Trend Risks Page 25.100
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008 009 010
Canada USA
Total Best Total Best
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability
Products1 Products Products Products Cash Flows Products1 Products Products Products Cash Flows
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Expense - Level & Trend Page 229 of 247
Expense Risk - Shocked CFs for Level & Trend Risks Page 25.100
($'000's )
(Please fill in all unshaded areas)
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Expense - Level & Trend Page 230 of 247
Expense Risk - Shocked CFs for Level & Trend Risks Page 25.100
($'000's )
(Please fill in all unshaded areas)
Canada - Present Values of Cash Flows USA - Present Values of Cash Flows
Total Best Total Best
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Expense - Level & Trend Page 231 of 247
Expense Risk - Shocked CFs for Level & Trend Risks Page 25.100
($'000's )
(Please fill in all unshaded areas)
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Notes:
1) Non-Participating Products including non-adjustable universal life
Expense - Level & Trend Page 232 of 247
Expense Risk - Shocked CFs for Level & Trend Risks
($'000's )
(Please fill in all unshaded areas)
011 012 013 014 015 016 017 018 019 020
UK Europe
Total Best Total Best
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability
Products1 Products Products Products Cash Flows Products1 Products Products Products Cash Flows
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Expense - Level & Trend Page 233 of 247
Expense Risk - Shocked CFs for Level & Trend Risks
($'000's )
(Please fill in all unshaded areas)
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Expense - Level & Trend Page 234 of 247
Expense Risk - Shocked CFs for Level & Trend Risks
($'000's )
(Please fill in all unshaded areas)
UK - Present Values of Cash Flows Europe - Present Values of Cash Flows
Total Best Total Best
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0
Year 2 0 0
Year 3 0 0
Year 4 0 0
Year 5 0 0
Year 6 0 0
Year 7 0 0
Year 8 0 0
Year 9 0 0
Year 10 0 0
Year 11 0 0
Year 12 0 0
Year 13 0 0
Year 14 0 0
Year 15 0 0
Year 16 0 0
Year 17 0 0
Year 18 0 0
Year 19 0 0
Year 20 0 0
Year 21 0 0
Year 22 0 0
Year 23 0 0
Year 24 0 0
Year 25 0 0
Year 26 0 0
Year 27 0 0
Year 28 0 0
Year 29 0 0
Year 30 0 0
Year 31 0 0
Year 32 0 0
Year 33 0 0
Year 34 0 0
Year 35 0 0
Year 36 0 0
Year 37 0 0
Year 38 0 0
Year 39 0 0
Year 40 0 0
Year 41 0 0
Year 42 0 0
Year 43 0 0
Year 44 0 0
Year 45 0 0
Year 46 0 0
Year 47 0 0
Year 48 0 0
Year 49 0 0
Year 50 0 0
Expense - Level & Trend Page 235 of 247
Expense Risk - Shocked CFs for Level & Trend Risks
($'000's )
(Please fill in all unshaded areas)
Year 51 0 0
Year 52 0 0
Year 53 0 0
Year 54 0 0
Year 55 0 0
Year 56 0 0
Year 57 0 0
Year 58 0 0
Year 59 0 0
Year 60 0 0
Year 61 0 0
Year 62 0 0
Year 63 0 0
Year 64 0 0
Year 65 0 0
Year 66 0 0
Year 67 0 0
Year 68 0 0
Year 69 0 0
Year 70 0 0
Year 71 0 0
Year 72 0 0
Year 73 0 0
Year 74 0 0
Year 75 0 0
Year 76 0 0
Year 77 0 0
Year 78 0 0
Year 79 0 0
Year 80 0 0
Year 81 0 0
Year 82 0 0
Year 83 0 0
Year 84 0 0
Year 85 0 0
Year 86 0 0
Year 87 0 0
Year 88 0 0
Year 89 0 0
Year 90 0 0
Year 91 0 0
Year 92 0 0
Year 93 0 0
Year 94 0 0
Year 95 0 0
Year 96 0 0
Year 97 0 0
Year 98 0 0
Year 99 0 0
Year 100 and beyond 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Notes:
1) Non-Participating Products including non-adjustable universal life
Expense - Level & Trend Page 236 of 247
Expense Risk - Shocked CFs for Level & Trend Risks
($'000's )
(Please fill in all unshaded areas)
021 022 023 024 025 026 027 028 029 030
Other Total
Total Best Total Best
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability
Products1 Products Products Products Cash Flows Products1 Products Products Products Cash Flows
Year 1 0 0 0 0 0 0
Year 2 0 0 0 0 0 0
Year 3 0 0 0 0 0 0
Year 4 0 0 0 0 0 0
Year 5 0 0 0 0 0 0
Year 6 0 0 0 0 0 0
Year 7 0 0 0 0 0 0
Year 8 0 0 0 0 0 0
Year 9 0 0 0 0 0 0
Year 10 0 0 0 0 0 0
Year 11 0 0 0 0 0 0
Year 12 0 0 0 0 0 0
Year 13 0 0 0 0 0 0
Year 14 0 0 0 0 0 0
Year 15 0 0 0 0 0 0
Year 16 0 0 0 0 0 0
Year 17 0 0 0 0 0 0
Year 18 0 0 0 0 0 0
Year 19 0 0 0 0 0 0
Year 20 0 0 0 0 0 0
Year 21 0 0 0 0 0 0
Year 22 0 0 0 0 0 0
Year 23 0 0 0 0 0 0
Year 24 0 0 0 0 0 0
Year 25 0 0 0 0 0 0
Year 26 0 0 0 0 0 0
Year 27 0 0 0 0 0 0
Year 28 0 0 0 0 0 0
Year 29 0 0 0 0 0 0
Year 30 0 0 0 0 0 0
Year 31 0 0 0 0 0 0
Year 32 0 0 0 0 0 0
Year 33 0 0 0 0 0 0
Year 34 0 0 0 0 0 0
Year 35 0 0 0 0 0 0
Year 36 0 0 0 0 0 0
Year 37 0 0 0 0 0 0
Year 38 0 0 0 0 0 0
Year 39 0 0 0 0 0 0
Year 40 0 0 0 0 0 0
Year 41 0 0 0 0 0 0
Year 42 0 0 0 0 0 0
Year 43 0 0 0 0 0 0
Year 44 0 0 0 0 0 0
Year 45 0 0 0 0 0 0
Year 46 0 0 0 0 0 0
Year 47 0 0 0 0 0 0
Year 48 0 0 0 0 0 0
Year 49 0 0 0 0 0 0
Year 50 0 0 0 0 0 0
Expense - Level & Trend Page 237 of 247
Expense Risk - Shocked CFs for Level & Trend Risks
($'000's )
(Please fill in all unshaded areas)
Year 51 0 0 0 0 0 0
Year 52 0 0 0 0 0 0
Year 53 0 0 0 0 0 0
Year 54 0 0 0 0 0 0
Year 55 0 0 0 0 0 0
Year 56 0 0 0 0 0 0
Year 57 0 0 0 0 0 0
Year 58 0 0 0 0 0 0
Year 59 0 0 0 0 0 0
Year 60 0 0 0 0 0 0
Year 61 0 0 0 0 0 0
Year 62 0 0 0 0 0 0
Year 63 0 0 0 0 0 0
Year 64 0 0 0 0 0 0
Year 65 0 0 0 0 0 0
Year 66 0 0 0 0 0 0
Year 67 0 0 0 0 0 0
Year 68 0 0 0 0 0 0
Year 69 0 0 0 0 0 0
Year 70 0 0 0 0 0 0
Year 71 0 0 0 0 0 0
Year 72 0 0 0 0 0 0
Year 73 0 0 0 0 0 0
Year 74 0 0 0 0 0 0
Year 75 0 0 0 0 0 0
Year 76 0 0 0 0 0 0
Year 77 0 0 0 0 0 0
Year 78 0 0 0 0 0 0
Year 79 0 0 0 0 0 0
Year 80 0 0 0 0 0 0
Year 81 0 0 0 0 0 0
Year 82 0 0 0 0 0 0
Year 83 0 0 0 0 0 0
Year 84 0 0 0 0 0 0
Year 85 0 0 0 0 0 0
Year 86 0 0 0 0 0 0
Year 87 0 0 0 0 0 0
Year 88 0 0 0 0 0 0
Year 89 0 0 0 0 0 0
Year 90 0 0 0 0 0 0
Year 91 0 0 0 0 0 0
Year 92 0 0 0 0 0 0
Year 93 0 0 0 0 0 0
Year 94 0 0 0 0 0 0
Year 95 0 0 0 0 0 0
Year 96 0 0 0 0 0 0
Year 97 0 0 0 0 0 0
Year 98 0 0 0 0 0 0
Year 99 0 0 0 0 0 0
Year 100 and beyond 0 0 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Expense - Level & Trend Page 238 of 247
Expense Risk - Shocked CFs for Level & Trend Risks
($'000's )
(Please fill in all unshaded areas)
Other - Present Values of Cash Flows Total - Present Values of Cash Flows
Total Best Total Best
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability
1 1
Products Products Products Products Cash Flows Products Products Products Products Cash Flows
Year 1 0 0 0 0 0 0
Year 2 0 0 0 0 0 0
Year 3 0 0 0 0 0 0
Year 4 0 0 0 0 0 0
Year 5 0 0 0 0 0 0
Year 6 0 0 0 0 0 0
Year 7 0 0 0 0 0 0
Year 8 0 0 0 0 0 0
Year 9 0 0 0 0 0 0
Year 10 0 0 0 0 0 0
Year 11 0 0 0 0 0 0
Year 12 0 0 0 0 0 0
Year 13 0 0 0 0 0 0
Year 14 0 0 0 0 0 0
Year 15 0 0 0 0 0 0
Year 16 0 0 0 0 0 0
Year 17 0 0 0 0 0 0
Year 18 0 0 0 0 0 0
Year 19 0 0 0 0 0 0
Year 20 0 0 0 0 0 0
Year 21 0 0 0 0 0 0
Year 22 0 0 0 0 0 0
Year 23 0 0 0 0 0 0
Year 24 0 0 0 0 0 0
Year 25 0 0 0 0 0 0
Year 26 0 0 0 0 0 0
Year 27 0 0 0 0 0 0
Year 28 0 0 0 0 0 0
Year 29 0 0 0 0 0 0
Year 30 0 0 0 0 0 0
Year 31 0 0 0 0 0 0
Year 32 0 0 0 0 0 0
Year 33 0 0 0 0 0 0
Year 34 0 0 0 0 0 0
Year 35 0 0 0 0 0 0
Year 36 0 0 0 0 0 0
Year 37 0 0 0 0 0 0
Year 38 0 0 0 0 0 0
Year 39 0 0 0 0 0 0
Year 40 0 0 0 0 0 0
Year 41 0 0 0 0 0 0
Year 42 0 0 0 0 0 0
Year 43 0 0 0 0 0 0
Year 44 0 0 0 0 0 0
Year 45 0 0 0 0 0 0
Year 46 0 0 0 0 0 0
Year 47 0 0 0 0 0 0
Year 48 0 0 0 0 0 0
Year 49 0 0 0 0 0 0
Year 50 0 0 0 0 0 0
Expense - Level & Trend Page 239 of 247
Expense Risk - Shocked CFs for Level & Trend Risks
($'000's )
(Please fill in all unshaded areas)
Year 51 0 0 0 0 0 0
Year 52 0 0 0 0 0 0
Year 53 0 0 0 0 0 0
Year 54 0 0 0 0 0 0
Year 55 0 0 0 0 0 0
Year 56 0 0 0 0 0 0
Year 57 0 0 0 0 0 0
Year 58 0 0 0 0 0 0
Year 59 0 0 0 0 0 0
Year 60 0 0 0 0 0 0
Year 61 0 0 0 0 0 0
Year 62 0 0 0 0 0 0
Year 63 0 0 0 0 0 0
Year 64 0 0 0 0 0 0
Year 65 0 0 0 0 0 0
Year 66 0 0 0 0 0 0
Year 67 0 0 0 0 0 0
Year 68 0 0 0 0 0 0
Year 69 0 0 0 0 0 0
Year 70 0 0 0 0 0 0
Year 71 0 0 0 0 0 0
Year 72 0 0 0 0 0 0
Year 73 0 0 0 0 0 0
Year 74 0 0 0 0 0 0
Year 75 0 0 0 0 0 0
Year 76 0 0 0 0 0 0
Year 77 0 0 0 0 0 0
Year 78 0 0 0 0 0 0
Year 79 0 0 0 0 0 0
Year 80 0 0 0 0 0 0
Year 81 0 0 0 0 0 0
Year 82 0 0 0 0 0 0
Year 83 0 0 0 0 0 0
Year 84 0 0 0 0 0 0
Year 85 0 0 0 0 0 0
Year 86 0 0 0 0 0 0
Year 87 0 0 0 0 0 0
Year 88 0 0 0 0 0 0
Year 89 0 0 0 0 0 0
Year 90 0 0 0 0 0 0
Year 91 0 0 0 0 0 0
Year 92 0 0 0 0 0 0
Year 93 0 0 0 0 0 0
Year 94 0 0 0 0 0 0
Year 95 0 0 0 0 0 0
Year 96 0 0 0 0 0 0
Year 97 0 0 0 0 0 0
Year 98 0 0 0 0 0 0
Year 99 0 0 0 0 0 0
Year 100 and beyond 0 0 0 0 0 0
Totals 0 0 0 0 0 0 0 0 0 0
Notes:
1) Non-Participating Products including non-adjustable universal life
Expense - Level & Trend Page 240 of 247
Expense Risk - Shocked CFs for Volatility & Catastrophe Risks Page 25.200
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008 009 010
Canada USA
Total Best Total Best
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability
Products1 Products Products Products Cash Flows Products1 Products Products Products Cash Flows
Year 1 0 0
Canada - Present Values of Shocked Cash Flows USA - Present Values of Shocked Cash Flows
Total Best Total Best
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability
Products1 Products Products Products Cash Flows Products1 Products Products Products Cash Flows
Year 1 0 0
Notes:
1) Non-Participating Products including non-adjustable universal life
Expense -Volatility&Catastrophe Page 241 of 247
Expense Risk - Shocked CFs for Volatility & Catastrophe Risks
($'000's )
(Please fill in all unshaded areas)
011 012 013 014 015 016 017 018 019 020
UK Europe
Total Best Total Best
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability
Products1 Products Products Products Cash Flows Products1 Products Products Products Cash Flows
Year 1 0 0
UK - Present Values of Shocked Cash Flows Europe - Present Values of Shocked Cash Flows
Total Best Total Best
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability
Products1 Products Products Products Cash Flows Products1 Products Products Products Cash Flows
Year 1 0 0
Notes:
1) Non-Participating Products including non-adjustable universal life
Expense -Volatility&Catastrophe Page 242 of 247
Expense Risk - Shocked CFs for Volatility & Catastrophe Risks
($'000's )
(Please fill in all unshaded areas)
021 022 023 024 025 026 027 028 029 030
Other Total
Total Best Total Best
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability
Products1 Products Products Products Cash Flows Products1 Products Products Products Cash Flows
Year 1 0 0 0 0 0 0
Other - Present Values of Shocked Cash Flows Total - Present Values of Shocked Cash Flows
Total Best Total Best
Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability Non-Participating Participating UL Adjustable Other Adjustable Estimate Liability
Products1 Products Products Products Cash Flows Products1 Products Products Products Cash Flows
Year 1 0 0 0 0 0 0
Notes:
1) Non-Participating Products including non-adjustable universal life
Expense -Volatility&Catastrophe Page 243 of 247
Expense Risk Solvency Buffers Page 30.500
($'000's )
(Please fill in all unshaded areas)
001 002 003 004 005 006 007 008 009 010
Canada USA
Non- UL Other Non- UL Other
Participating Participating Adjustable Adjustable Participating Participating Adjustable Adjustable
Total Products1 Products Products Products Total Products1 Products Products Products
PV of Best Estimate Liability Cash Flows 0 0 0 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Trend Risk 0 0 0 0 0 0 0 0 0 0
Level & Trend Risk Solvency Buffer 0 0 0 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Volatility & Catastrophe Risk 0 0 0 0 0 0 0 0 0 0
Volatility & Catastrophe Risk Solvency Buffer 0 0 0 0 0 0 0 0 0 0
Notes:
1) Non-Participating Products including non-adjustable universal life
Expense Risk Solvency Buffers Page 244 of 247
Expense Risk Solvency Buffers
($'000's )
(Please fill in all unshaded areas)
011 012 013 014 015 016 017 018 019 020
UK Europe
Non- Other Non- Other
Participating Participating UL Adjustable Adjustable Participating Participating UL Adjustable Adjustable
Total Products1 Products Products Products Total Products1 Products Products Products
PV of Best Estimate Liability Cash Flows 0 0 0 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Trend Risk 0 0 0 0 0 0 0 0 0 0
Level & Trend Risk Solvency Buffer 0 0 0 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Volatility & Catastrophe Risk 0 0 0 0 0 0 0 0 0 0
Volatility & Catastrophe Risk Solvency Buffer 0 0 0 0 0 0 0 0 0 0
Notes:
1) Non-Participating Products including non-adjustable universal life
Expense Risk Solvency Buffers Page 245 of 247
Expense Risk Solvency Buffers
($'000's )
(Please fill in all unshaded areas)
021 022 023 024 025 026 027 028 029 030
Other Total
Non- Other Non- Other
Participating Participating UL Adjustable Adjustable Participating Participating UL Adjustable Adjustable
Total Products1 Products Products Products Total Products1 Products Products Products
PV of Best Estimate Liability Cash Flows 0 0 0 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Level & Trend Risk 0 0 0 0 0 0 0 0 0 0
Level & Trend Risk Solvency Buffer 0 0 0 0 0 0 0 0 0 0
PV of Best Estimate Liability Cash Flows for Year 1 0 0 0 0 0 0 0 0 0 0
PV of Shocked Liability Cash Flows - Volatility & Catastrophe Risk 0 0 0 0 0 0 0 0 0 0
Volatility & Catastrophe Risk Solvency Buffer 0 0 0 0 0 0 0 0 0 0
Notes:
1) Non-Participating Products including non-adjustable universal life
Expense Risk Solvency Buffers Page 246 of 247
Insurance Risk Comments and Questions
1) Comments on Mortality Risk.
2) Comments on Longevity Risk.
3) Comments on Mortality and Longevity Risk Offsets.
4) Comments on Morbidity Risk.
5) Comments on Lapse Risk.
6) Comments on Expense Risk.
7) Other Comments.
Comments & Questions Page 247 of 247