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					                                                  Female aggregate


CANADIAN INSTITUTE OF ACTUARIES                                    April 9,2012 11:54 PM
1982-88 MORTALITY TABLES                                      M.Abramson
FEMALE AGGREGATE                                                                     answer appears
                    enter                           enter                                below
           If x=     104   and n =                    1       then npx =                      0.27054
                If x=           6     and n =         46      then nEx =                  0.027945837

                If x =          30       n=            9      then
                                      and m =         20      n\ax:m =                    4.809037183
NOTE
In table w =106                       GENERAL ANNUITY FORMULA
When x > 105                                                   payment =         $           1,000.00
lx=Dx=Nx=Mx=0                                     age at first payment =                            20
                                                  age at last payment=                              95
                                                               at age =                             25
                                      the value of this life annuity is =        $          19,496.55

NOTE
When i = 0, ax = ex which is the expectation of life


interest rate i =        0.08




                                       MORTALITY TABLE
     1              2           3         4           5                  6                 7               8
     x              lx          dx        qx          px                 Dx                Nx              Cx

     0       10000000      8200.000     0.00082     0.99918       10000000.000          134088576.244    7592.593
     1        9991800      5395.572     0.00054     0.99946        9251666.667          124088576.244    4625.833
     2        9986404      3395.378     0.00034     0.99966        8561732.191          114836909.577    2695.360
     3        9983009      2296.092     0.00023     0.99977        7924834.447          106275177.386    1687.696
     4        9980713      1696.721     0.00017     0.99983        7336121.977           98350342.939    1154.760
     5        9979016      1397.062     0.00014     0.99986        6791550.774           91014220.963     880.386
     6        9977619      1396.867     0.00014     0.99986        6287592.553           84222670.189     815.058
     7        9976222      1396.671     0.00014     0.99986        5821029.898           77935077.636     754.578
     8        9974826      1296.727     0.00013     0.99987        5389087.920           72114047.738     648.687
     9        9973529      1296.559     0.00013     0.99987        4989247.536           66724959.818     600.558
    10        9972232      1196.668     0.00012     0.99988        4619073.087           61735712.282     513.230
    11        9971036      1196.524     0.00012     0.99988        4276406.294           57116639.196     475.156
    12        9969839      1395.777     0.00014     0.99986        3959160.301           52840232.901     513.224
    13        9968443      1594.951     0.00016     0.99984        3665375.944           48881072.600     543.019
    14        9966848      1993.370     0.00020     0.99980        3393323.596           45215696.656     628.393
    15        9964855      2391.565     0.00024     0.99976        3141337.899           41822373.061     698.075
    16        9962463      2789.490     0.00028     0.99972        2907948.128           38681035.162     753.912
    17        9959674      3087.499     0.00031     0.99969        2691790.650           35773087.034     772.644
    18        9956587      3186.108     0.00032     0.99968        2491626.107           33081296.383     738.260
    19        9953400      3185.088     0.00032     0.99968        2306322.950           30589670.277     683.355
    20        9950215      3084.567     0.00031     0.99969        2134800.858           28283347.327     612.767



                                                       Page 1
                                      Female aggregate


21   9947131     3083.611   0.00031     0.99969     1976054.694   26148546.468   567.201
22   9944047     3082.655   0.00031     0.99969     1829113.072   24172491.774   525.023
23   9940964     3280.518   0.00033     0.99967     1693098.191   22343378.702   517.336
24   9937684     3378.813   0.00034     0.99966     1567166.175   20650280.511   493.367
25   9934305     3576.350   0.00036     0.99964     1450586.425   19083114.336   483.529
26   9930729     3872.984   0.00039     0.99961     1342652.049   17632527.911   484.847
27   9926856     4070.011   0.00041     0.99959     1242711.496   16289875.862   471.770
28   9922786     4366.026   0.00044     0.99956     1150187.022   15047164.366   468.595
29   9918420     4661.657   0.00047     0.99953     1064519.389   13896977.344   463.263
30   9913758     4956.879   0.00050     0.99950      985202.838   12832457.956   456.112
31   9908801     5350.753   0.00054     0.99946      911768.737   11847255.118   455.884
32   9903450     5843.036   0.00059     0.99941      843774.428   10935486.381   460.951
33   9897607     6235.493   0.00063     0.99937      780811.667   10091711.953   455.473
34   9891372     6726.133   0.00068     0.99932      722518.293    9310900.286   454.919
35   9884646     7314.638   0.00074     0.99926      668543.500    8588381.993   458.076
36   9877331     7901.865   0.00080     0.99920      618563.683    7919838.493   458.195
37   9869429     8586.404   0.00087     0.99913      572285.956    7301274.809   461.008
38   9860843     9367.801   0.00095     0.99905      529433.396    6728988.853   465.705
39   9851475    10245.534   0.00104     0.99896      489750.402    6199555.458   471.611
40   9841230    11120.589   0.00113     0.99887      453000.983    5709805.056   473.973
41   9830109    12189.335   0.00124     0.99876      418971.381    5256804.073   481.041
42   9817920    13254.192   0.00135     0.99865      387455.423    4837832.692   484.319
43   9804665    14510.905   0.00148     0.99852      358270.702    4450377.270   490.964
44   9790155    15860.050   0.00162     0.99838      331241.168    4092106.568   496.862
45   9774295    17300.501   0.00177     0.99823      306207.923    3760865.400   501.841
46   9756994    18928.568   0.00194     0.99806      283024.014    3454657.477   508.395
47   9738065    20742.079   0.00213     0.99787      261550.877    3171633.463   515.836
48   9717323    22738.537   0.00234     0.99766      241660.902    2910082.586   523.599
49   9694585    24915.083   0.00257     0.99743      223236.496    2668421.684   531.220
50   9669670    27268.469   0.00282     0.99718      206169.239    2445185.188   538.331
51   9642401    29891.444   0.00310     0.99690      190359.112    2239015.950   546.401
52   9612510    32682.533   0.00340     0.99660      175712.036    2048656.837   553.168
53   9579827    35828.554   0.00374     0.99626      162143.162    1872944.801   561.496
54   9543999    39225.835   0.00411     0.99589      149571.062    1710801.638   569.201
55   9504773    42961.574   0.00452     0.99548      137922.523    1561230.576   577.231
56   9461811    47025.202   0.00497     0.99503      127128.809    1423308.053   585.028
57   9414786    51498.880   0.00547     0.99453      117126.832    1296179.245   593.226
58   9363287    56366.989   0.00602     0.99398      107857.545    1179052.413   601.206
59   9306920    61611.812   0.00662     0.99338       99266.891    1071194.868   608.469
60   9245308    67305.846   0.00728     0.99272       91305.319     971927.977   615.465
61   9178003    73515.801   0.00801     0.99199       83926.496     880622.659   622.455
62   9104487    80301.574   0.00882     0.99118       77087.264     796696.163   629.546
63   9024185    87534.597   0.00970     0.99030       70747.550     719608.899   635.418
64   8936651    95443.429   0.01068     0.98932       64871.573     648861.349   641.508
65   8841207   103884.185   0.01175     0.98825       59424.764     583989.776   646.519
66   8737323   112973.587   0.01293     0.98707       54376.410     524565.012   651.006
67   8624349   122724.492   0.01423     0.98577       49697.521     470188.602   654.811
68   8501625   133135.447   0.01566     0.98434       45361.412     420491.081   657.740
69   8368489   144189.074   0.01723     0.98277       41343.567     375129.669   659.583
70   8224300   155932.736   0.01896     0.98104       37621.498     333786.102   660.466
71   8068368   168306.150   0.02086     0.97914       34174.254     296164.604   660.069
72   7900062   181306.412   0.02295     0.97705       30982.758     261990.350   658.384


                                          Page 2
                                         Female aggregate


 73    7718755    194821.379   0.02524     0.97476          28029.356   231007.592   655.056
 74    7523934    208864.401   0.02776     0.97224          25298.051   202978.236   650.254
 75    7315069    223329.067   0.03053     0.96947          22773.867   177680.185   643.783
 76    7091740    238140.639   0.03358     0.96642          20443.131   154906.318   635.630
 77    6853600    253034.899   0.03692     0.96308          18293.195   134463.187   625.356
 78    6600565    267850.917   0.04058     0.95942          16312.787   116169.993   612.938
 79    6332714    282502.364   0.04461     0.95539          14491.495    99857.206   598.579
 80    6050211    296581.366   0.04902     0.95098          12819.471    85365.711   581.862
 81    5753630    309832.981   0.05385     0.94615          11288.019    72546.240   562.833
 82    5443797    322000.599   0.05915     0.94085           9889.037    61258.220   541.608
 83    5121797    332660.684   0.06495     0.93505           8614.907    51369.184   518.091
 84    4789136    341465.385   0.07130     0.92870           7458.675    42754.276   492.411
 85    4447670    348030.212   0.07825     0.92175           6413.770    35295.601   464.701
 86    4099640    351872.121   0.08583     0.91417           5473.975    28881.831   435.029
 87    3747768    352739.935   0.09412     0.90588           4633.466    23407.857   403.798
 88    3395028    350231.107   0.10316     0.89684           3886.448    18774.391   371.228
 89    3044797    344092.517   0.11301     0.88699           3227.335    14887.942   337.705
 90    2700705    334185.181   0.12374     0.87626           2650.569    11660.607   303.686
 91    2366519    320450.388   0.13541     0.86459           2150.544     9010.038   269.634
 92    2046069    302981.895   0.14808     0.85192           1721.610     6859.494   236.052
 93    1743087    282066.353   0.16182     0.83818           1358.031     5137.884   203.478
 94    1461021    258162.364   0.17670     0.82330           1053.958     3779.853   172.439
 95    1202858    231899.066   0.19279     0.80721            803.448     2725.895   143.423
 96      970959   204037.389   0.21014     0.78986            600.510     1922.447   116.844
 97      766922   175494.742   0.22883     0.77117            439.184     1321.936    93.054
 98      591427   147212.138   0.24891     0.75109            313.598      882.752    72.276
 99      444215   120124.630   0.27042     0.72958            218.093      569.154    54.608
100   324090.4     95898.351   0.29590     0.70410            147.330      351.061    40.366
101   228192.1     77288.649   0.33870     0.66130             96.051      203.731    30.123
102   150903.4     62573.606   0.41466     0.58534             58.813      107.680    22.581
103     88329.8    47665.410   0.53963     0.46037             31.876       48.867    15.927
104   40664.39     29663.046   0.72946     0.27054             13.588       16.991     9.177
105   11001.34     11001.344   1.00000     0.00000              3.404        3.404     3.152




                                             Page 3
                                            Female aggregate




GENERAL INSURANCE FORMULA                                      WHOLE LIFE INSURANCE
Amount of insurance coverage =              $   1,000.00       Amount of insurance coverage =
age at which coverage starts =                   40                                  x=
age at which coverage ends =                    100            age at which coverage ends =
                                 at age =        30                                  at age =
the value of this insurance is =            $       30.38                            Ax =




     9
     Mx

  67512.871
  59920.278
  55294.445
  52599.085
  50911.389
  49756.629
  48876.242
  48061.184
  47306.606
  46657.920
  46057.362
  45544.132
  45068.975
  44555.751
  44012.732
  43384.339
  42686.264
  41932.351
  41159.708
  40421.448
  39738.093



                                                 Page 4
            Female aggregate


39125.326
38558.126
38033.102
37515.767
37022.400
36538.871
36054.024
35582.254
35113.659
34650.396
34194.284
33738.400
33277.449
32821.975
32367.056
31908.980
31450.785
30989.777
30524.071
30052.460
29578.487
29097.446
28613.126
28122.163
27625.301
27123.460
26615.065
26099.229
25575.630
25044.410
24506.079
23959.678
23406.510
22845.015
22275.814
21698.582
21113.554
20520.329
19919.123
19310.654
18695.188
18072.733
17443.187
16807.769
16166.262
15519.742
14868.736
14213.925
13556.184
12896.601
12236.135
11576.066


                Page 5
            Female aggregate


10917.682
10262.626
 9612.372
 8968.589
 8332.959
 7707.602
 7094.665
 6496.085
 5914.224
 5351.391
 4809.783
 4291.692
 3799.281
 3334.580
 2899.551
 2495.753
 2124.525
 1786.820
 1483.134
 1213.499
  977.447
  773.969
  601.530
  458.107
  341.263
  248.209
  175.933
  121.325
   80.960
   50.837
   28.256
   12.329
    3.152




                Page 6
                                Female aggregate




                TERM LIFE INSURANCE
$   1,000.00    Amount of insurance coverage = $    1,000.00
           40   If term n =        5        x=             40
         106                         then x+n =            45
           40          and at same age x =                 40
$      66.34                         Ax:n =     $       5.36




                                     Page 7
                                                     Female smoker


CANADIAN INSTITUTE OF ACTUARIES
1982-88 MORTALITY TABLES
FEMALE SMOKERS            age must be greater or equal to 15

                If x=           104 and n =                 1 then npx =         0.27053
                If x=            16 and n =                46 then nEx =   0.038473415

                If x =           30      n=                 9 then
                                      and m =              20 n\ax:m =        5.56791454
NOTE
In table w =106                       GENERAL ANNUITY FORMULA                                            GENERAL INSURANCE FORM
When x > 105                                                   payment = $            1.00               Amount of insurance coverage
lx=Dx=Nx=Mx=0                                     age at first payment =                 40              age at which coverage starts =
                                                  age at last payment=                   59              age at which coverage ends =
                                                               at age =                  30
                                      the value of this life annuity is = $           5.57               the value of this insurance is =

                                      NOTE
                                      When i = 0, ax = ex which is the expectation of life


interest rate i =            0.07




     1              2      3              4           5             6            7              8            9
     x              lx     dx             qx          px            Dx           Nx             Cx           Mx

     0
     1
     2
     3
     4
     5
     6
     7
     8
     9
    10
    11
    12
    13
    14
    15       10000000        2600       0.00026     0.99974     3624460    53957637.89          880.71    94521.27
    16        9997400     2999.22       0.00030     0.99970     3386465     50333177.7        949.4762    93640.56
    17        9994401    3398.096       0.00034     0.99966     3163971    46946712.43        1005.374    92691.08
    18        9991003    3496.851       0.00035     0.99965     2955977    43782741.09        966.9084    91685.71
    19        9987506    3595.502       0.00036     0.99964     2761629    40826763.91        929.1461     90718.8
    20        9983910    3494.369       0.00035     0.99965     2580032    38065135.32        843.9358    89789.65



                                                           Page 8
                                     Female smoker


21   9980416   3493.146    0.00035   0.99965    2410401   35485103.17   788.4489   88945.72
22   9976923   3591.692    0.00036   0.99964    2251923    33074702.1   757.6563   88157.27
23   9973331   3789.866    0.00038   0.99962    2103843   30822779.28   747.1592   87399.61
24   9969541   4087.512    0.00041   0.99959    1965461   28718936.16   753.1207   86652.45
25   9965454      4384.8   0.00044   0.99956    1836127    26753474.8   755.0427   85899.33
26   9961069   4781.313    0.00048   0.99952    1715251   24917348.14   769.4585   85144.29
27   9956288    5177.27    0.00052   0.99948    1602269   23202096.96   778.6728   84374.83
28   9951110   5672.133    0.00057   0.99943    1496669   21599827.94    797.291   83596.16
29   9945438   6166.172    0.00062   0.99938    1397959   20103158.92   810.0322   82798.87
30   9939272   6659.312    0.00067   0.99933    1305694   18705200.13   817.5838   81988.84
31   9932613   7350.133    0.00074   0.99926    1219457   17399506.61   843.3626   81171.25
32   9925263   8039.463    0.00081   0.99919    1138836   16180049.88   862.1094   80327.89
33   9917223   8826.329    0.00089   0.99911    1063470   15041214.05   884.5689   79465.78
34   9908397   9710.229    0.00098   0.99902     993013   13977743.61   909.4886   78581.21
35   9898687   10690.58    0.00108   0.99892   927140.1   12984730.58   935.8049   77671.72
36   9887996   11766.72    0.00119   0.99881   865550.2    12057590.5   962.6213   76735.92
37   9876229   12937.86    0.00131   0.99869   807962.8   11192040.25   989.1882    75773.3
38   9863291   14203.14    0.00144   0.99856   754116.3    10384077.4   1014.885   74784.11
39   9849088   15758.54    0.00160   0.99840   703766.7   9629961.129   1052.361   73769.22
40   9833330   17306.66    0.00176   0.99824   656673.5   8926194.449   1080.136   72716.86
41   9816023   19141.25    0.00195   0.99805   612633.4   8269520.941   1116.481   71636.73
42   9796882    21063.3    0.00215   0.99785   571438.1   7656887.518   1148.217   70520.24
43   9775819   23266.45    0.00238   0.99762   532906.1   7085449.399   1185.343   69372.03
44   9752552   25649.21    0.00263   0.99737   496857.7   6552543.299   1221.248   68186.68
45   9726903   28208.02    0.00290   0.99710   463131.8   6055685.557   1255.217   66965.44
46   9698695   31035.82    0.00320   0.99680   431578.2   5592553.776   1290.701   65710.22
47   9667659   34126.84    0.00353   0.99647   402053.4   5160975.552   1326.401   64419.52
48   9633532   37570.78    0.00390   0.99610   374424.5   4758922.119   1364.725   63093.12
49   9595961   41262.63    0.00430   0.99570   348564.7   4384497.648   1400.774   61728.39
50   9554699   45193.73    0.00473   0.99527   324360.6   4035932.961   1433.856   60327.62
51   9509505   49544.52    0.00521   0.99479   301706.9   3711572.344   1469.059   58893.76
52   9459961   54205.57    0.00573   0.99427     280500   3409865.437   1502.117    57424.7
53   9405755   59256.26    0.00630   0.99370   260647.4   3129365.424   1534.653   55922.59
54   9346499   64677.77    0.00692   0.99308   242061.1   2868717.996   1565.479   54387.93
55   9281821   70449.02    0.00759   0.99241   224659.8   2626656.921   1593.615   52822.46
56   9211372   76638.61    0.00832   0.99168   208368.8   2401997.097   1620.214   51228.84
57   9134733   83308.77    0.00912   0.99088     193117    2193628.26   1646.007   49608.63
58   9051425   90333.22    0.00998   0.99002   178837.2   2000511.243   1668.033   47962.62
59   8961091   97765.51    0.01091   0.98909   165469.5   1821674.056   1687.171   46294.59
60   8863326   105650.8    0.01192   0.98808   152957.2   1656204.531   1703.972   44607.42
61   8757675   113937.4    0.01301   0.98699   141246.7   1503247.285   1717.402   42903.44
62   8643738   122654.6    0.01419   0.98581   130288.9   1362000.561    1727.85   41186.04
63   8521083   131735.9    0.01546   0.98454   120037.5   1231711.678   1734.373   39458.19
64   8389347   141192.7    0.01683   0.98317   110450.2   1111674.217   1737.268   37723.82
65   8248154   150941.2    0.01830   0.98170   101487.2   1001224.047   1735.715   35986.55
66   8097213   161053.6    0.01989   0.98011   93112.13   899736.8568   1730.841   34250.84
67   7936160     171421    0.02160   0.97840   85289.84   806624.7308   1721.739      32520
68   7764739   182005.5    0.02344   0.97656   77988.39   721334.8936   1708.456   30798.26
69   7582733   192753.1    0.02542   0.97458   71177.89   643346.5041   1690.974    29089.8
70   7389980     203520    0.02754   0.97246   64830.42   572168.6148   1668.626   27398.83
71   7186460   214372.1    0.02983   0.97017   58920.55   507338.1966   1642.617    25730.2
72   6972088     225059    0.03228   0.96772   53423.32   448417.6467   1611.687   24087.58


                                         Page 9
                                      Female smoker


 73    6747029   235606.2   0.03492   0.96508   48316.65    394994.329    1576.839    22475.9
 74    6511423   245806.2   0.03775   0.96225   43578.91   346677.6813     1537.48   20899.06
 75    6265616   255637.1   0.04080   0.95920   39190.47   303098.7745    1494.366   19361.58
 76    6009979   264919.9   0.04408   0.95592   35132.24   263908.3043    1447.317   17867.21
 77    5745059   273522.3   0.04761   0.95239   31386.55   228776.0622    1396.555    16419.9
 78    5471537   281291.7   0.05141   0.94859   27936.67   197389.5082    1342.266   15023.34
 79    5190245   288110.5   0.05551   0.94449   24766.77   169452.8351    1284.863   13681.08
 80    4902135   293784.9   0.05993   0.94007   21861.66   144686.0606    1224.457   12396.21
 81    4608350   298206.3   0.06471   0.93529      19207   122824.4056    1161.575   11171.75
 82    4310144   301149.7   0.06987   0.93013   16788.89   103617.4093    1096.299   10010.18
 83    4008994   302558.8   0.07547   0.92453   14594.25   86828.51997    1029.372   8913.882
 84    3706435   302185.7   0.08153   0.91847   12610.12      72234.268   960.8437   7884.509
 85    3404249   299948.4   0.08811   0.91189   10824.31   59624.15232    891.3365   6923.666
 86    3104301   295684.7   0.09525   0.90475   9224.842   48799.84115    821.1834   6032.329
 87    2808616   289343.7   0.10302   0.89698   7800.164      39574.999   751.0027   5211.146
 88    2519273   280823.3   0.11147   0.88853   6538.871   31774.83456    681.2036   4460.143
 89    2238449   270113.7   0.12067   0.87933    5429.89   25235.96401    612.3597   3778.939
 90    1968336   257261.5   0.13070   0.86930   4462.304   19806.07368    545.0684    3166.58
 91    1711074   242322.3   0.14162   0.85838   3625.309   15343.76951    479.8283   2621.511
 92    1468752   225497.5   0.15353   0.84647   2908.311   11718.46015    417.3019   2141.683
 93    1243254   206989.4   0.16649   0.83351   2300.746   8810.148887    357.9918   1724.381
 94    1036265   187159.8   0.18061   0.81939   1792.238   6509.402875    302.5197   1366.389
 95   849105.2   166390.6   0.19596   0.80404   1372.469   4717.164736    251.3543    1063.87
 96   682714.5   145158.8   0.21262   0.78738   1031.327   3344.695569    204.9353   812.5153
 97   537555.7   124008.7   0.23069   0.76931   758.9219   2313.368364    163.6221      607.58
 98     413547   103477.7   0.25022   0.74978   545.6506   1554.446481    127.6007   443.9579
 99   310069.3   84115.59   0.27128   0.72872   382.3532   1008.795833    96.93905   316.3572
100   225953.7   66977.19   0.29642   0.70358   260.4004   626.4426153    72.13821   219.4182
101   158976.5   53889.85   0.33898   0.66102   171.2267   366.0422071    54.24524      147.28
102   105086.6   43588.89   0.41479   0.58521   105.7797   194.8155536    41.00593   93.03472
103   61497.75   33188.49   0.53967   0.46033   57.85357   89.03588767    29.17929   52.02879
104   28309.26   20650.76   0.72947   0.27053   24.88947   31.18231919    16.96834   22.84951
105   7658.504   7658.504   1.00000   0.00000   6.292849   6.292848933    5.881167   5.881167




                                         Page 10
                                                 Female smoker




GENERAL INSURANCE FORMULA                          WHOLE LIFE INSURANCE
Amount of insurance coverage = $     1,000.00      Amount of insurance coverage =   $   1,000.00
age at which coverage starts =              40                           x=                    40
age at which coverage ends =              100      age at which coverage ends =              106
                        at age =            30                           at age =              40
the value of this insurance is = $      55.52                            Ax =       $     110.74




                                                    Page 11
Female smoker




   Page 12
Female smoker




   Page 13
                                      Female smoker




TERM LIFE INSURANCE
Amount of insurance coverage = $          1,000.00
If term n =          5        x=                 40
                       then x+n =                45
        and at same age x =                      40
                       Ax:n =     $           8.76




                                         Page 14
                                                  Female non smoker


CANADIAN INSTITUTE OF ACTUARIES
1982-88 MORTALITY TABLES
FEMALE NON SMOKERS        age must be greater or equal to 15

                If x=           104 and n =                  1 then npx =       0.27055
                If x=            16 and n =                 46 then nEx =   0.041399982

                If x =           30      n=                  9 then
                                      and m =               20 n\ax:m =     5.661339477
NOTE
In table w =106                       GENERAL ANNUITY FORMULA                                           GENERAL INSURANCE FORM
When x > 105                                                   payment = $           1.00               Amount of insurance coverage
lx=Dx=Nx=Mx=0                                     age at first payment =                40              age at which coverage starts =
                                                  age at last payment=                  59              age at which coverage ends =
                                                               at age =                 30
                                      the value of this life annuity is = $          5.66               the value of this insurance is =

                                      NOTE
                                      When i = 0, ax = ex which is the expectation of life


interest rate i =            0.07




     1              2      3              4           5              6          7              8            9
     x              lx     dx             qx          px             Dx         Nx             Cx           Mx

     0
     1
     2
     3
     4
     5
     6
     7
     8
     9
    10
    11
    12
    13
    14
    15       10000000        2400       0.00024     0.99976      3624460    54379905.12       812.963    66896.31
    16        9997600    2799.328       0.00028     0.99972      3386533    50755444.93      886.1956    66083.35
    17        9994801     2998.44       0.00030     0.99970      3164098    47368911.91      887.1303    65197.15
    18        9991802    3097.459       0.00031     0.99969      2956214    44204813.98      856.4731    64310.02
    19        9988705    3096.498       0.00031     0.99969      2761960    41248600.24       800.194    63453.55
    20        9985608    2995.682       0.00030     0.99970      2580471    38486640.14      723.4965    62653.35



                                                           Page 15
                                    Female non smoker


21   9982613   2894.958   0.00029    0.99971    2410932    35906169.21   653.4301   61929.86
22   9979718   2894.118   0.00029    0.99971    2252554    33495237.62   610.5052   61276.43
23   9976824   2993.047   0.00030    0.99970    2104580    31242683.97   590.0691   60665.92
24   9973830   3191.626   0.00032    0.99968    1966307    29138104.14   588.0544   60075.85
25   9970639   3290.311   0.00033    0.99967    1837082    27171797.18   566.5767    59487.8
26   9967349   3488.572   0.00035    0.99965    1716332    25334715.17   561.4172   58921.22
27   9963860   3686.628   0.00037    0.99963    1603488    23618382.68    554.477    58359.8
28   9960173   3884.468   0.00039    0.99961    1498032    22014895.03   546.0117   57805.33
29   9956289   4181.641   0.00042    0.99958    1399484    20516862.93   549.3302   57259.32
30   9952107   4378.927   0.00044    0.99956    1307380    19117378.93   537.6141   56709.99
31   9947728   4675.432   0.00047    0.99953    1221313     17809999.3   536.4644   56172.37
32   9943053   5070.957   0.00051    0.99949    1140877    16588686.79   543.7825   55635.91
33   9937982    5366.51   0.00054    0.99946    1065696    15447809.69   537.8281   55092.12
34   9932615   5760.917   0.00058    0.99942   995440.2    14382113.19   539.5844    54554.3
35   9926854   6253.918   0.00063    0.99937   929778.4    13386672.98   547.4396   54014.71
36   9920601   6746.008   0.00068    0.99932   868404.3    12456894.62   551.8831   53467.27
37   9913855   7237.114   0.00073    0.99927   811040.9    11588490.32    553.327   52915.39
38   9906617   7826.228   0.00079    0.99921   757428.8    10777449.39   559.2232   52362.06
39   9898791   8413.973   0.00085    0.99915   707318.2    10020020.55   561.8883   51802.84
40   9890377   9099.147   0.00092    0.99908   660483.2    9312702.345   567.8921   51240.95
41   9881278   9881.278   0.00100    0.99900   616706.1    8652219.184   576.3608   50673.06
42   9871397   10759.82   0.00109    0.99891   575784.5    8035513.094   586.5468    50096.7
43   9860637   11734.16   0.00119    0.99881   537529.8    7459728.624   597.8135   49510.15
44   9848903   12705.08   0.00129    0.99871   501766.5    6922198.843   604.9334   48912.34
45   9836198   13869.04   0.00141    0.99859   468335.7    6420432.375   617.1526    48307.4
46   9822329   15126.39   0.00154    0.99846   437079.8    5952096.685   629.0681   47690.25
47   9807202    16476.1   0.00168    0.99832   407856.7     5515016.93   640.3731   47061.18
48   9790726   18014.94   0.00184    0.99816   380534.1    5107160.246   654.3764   46420.81
49   9772711   19643.15   0.00201    0.99799      354985   4726626.149   666.8409   45766.43
50   9753068   21554.28   0.00221    0.99779   331094.8    4371641.181     683.85   45099.59
51   9731514   23550.26   0.00242    0.99758   308750.6    4040546.371   698.2956   44415.74
52   9707964   25823.18   0.00266    0.99734   287853.6    3731795.818   715.5987   43717.45
53   9682140   28271.85   0.00292    0.99708   268306.5    3443942.196   732.2009   43001.85
54   9653869   30988.92   0.00321    0.99679   250021.5    3175635.717   750.0646   42269.65
55   9622880   34064.99   0.00354    0.99646   232914.9      2925614.2   770.5783   41519.58
56   9588815   37396.38   0.00390    0.99610   216906.9    2692699.295   790.5953   40749.01
57   9551418    41071.1   0.00430    0.99570   201926.1    2475792.392   811.4789   39958.41
58   9510347   45079.05   0.00474    0.99526   187904.5    2273866.255   832.3995   39146.93
59   9465268      49598   0.00524    0.99476   174779.3    2085961.719   855.9286   38314.53
60   9415670   54422.57   0.00578    0.99422   162489.2    1911182.402   877.7455    37458.6
61   9361248   59818.37   0.00639    0.99361   150981.3    1748693.175    901.655   36580.86
62   9301429    65761.1   0.00707    0.99293   140202.4    1597711.829   926.3841    35679.2
63   9235668   72222.92   0.00782    0.99218   130103.9    1457509.423   950.8528   34752.82
64   9163445   79355.43   0.00866    0.99134   120641.6    1327405.521   976.4075   33801.97
65   9084090   87116.42   0.00959    0.99041   111772.7    1206763.942   1001.776   32825.56
66   8996973   95637.83   0.01063    0.98937   103458.7     1094991.21   1027.819   31823.78
67   8901335   104768.7   0.01177    0.98823   95662.57    991532.4897   1052.288   30795.96
68   8796567   114795.2   0.01305    0.98695   88351.99    895869.9153   1077.564   29743.67
69   8681772   125625.2   0.01447    0.98553   81494.39    807517.9286   1102.078   28666.11
70   8556146   137240.6   0.01604    0.98396     75060.9   726023.5423   1125.212   27564.03
71   8418906   149772.3   0.01779    0.98221   69025.16    650962.6427   1147.624   26438.82
72   8269133     163150   0.01973    0.98027   63361.87    581937.4813   1168.346    25291.2


                                        Page 16
                                      Female non smoker


 73    8105983   177358.9   0.02188    0.97812   58048.36   518575.6086   1187.008   24122.85
 74    7928624   192348.4   0.02426    0.97574   53063.79   460527.2507    1203.11   22935.84
 75    7736276   208105.8   0.02690    0.97310   48389.22   407463.4564   1216.514   21732.73
 76    7528170     224490   0.02982    0.97018   44007.06   359074.2353    1226.44   20516.22
 77    7303680   241386.6   0.03305    0.96695   39901.65   315067.1782   1232.476   19289.78
 78    7062294   258621.2   0.03662    0.96338   36058.79   275165.5272   1234.087    18057.3
 79    6803672     276025   0.04057    0.95943   32465.71   239106.7407   1230.966   16823.22
 80    6527647   293221.9   0.04492    0.95508   29110.82    206641.027    1222.11   15592.25
 81    6234425   309975.6   0.04972    0.95028   25984.27   177530.2048   1207.418   14370.14
 82    5924450     325904   0.05501    0.94499   23076.94   151545.9394   1186.414   13162.72
 83    5598546   340503.6   0.06082    0.93918   20380.82   128468.9975   1158.469   11976.31
 84    5258042     353393   0.06721    0.93279   17889.03   108088.1758   1123.665   10817.84
 85    4904649   364072.1   0.07423    0.92577   15595.05    90199.1476   1081.889   9694.174
 86    4540577   371964.1   0.08192    0.91808   13492.93   74604.09469   1033.029   8612.286
 87    4168613   376592.5   0.09034    0.90966   11577.18   61111.16746   977.4605   7579.257
 88    3792021   377495.6   0.09955    0.90045   9842.337    49533.9837   915.7053   6601.796
 89    3414525   374231.9   0.10960    0.89040   8282.741   39691.64633   848.4004   5686.091
 90    3040293   366537.7   0.12056    0.87944   6892.479   31408.90551   776.5956   4837.691
 91    2673755   354219.1   0.13248    0.86752   5664.974    24516.4266   701.3978   4061.095
 92    2319536   337330.1   0.14543    0.85457    4592.97    18851.4531   624.2576   3359.697
 93    1982206   316102.4   0.15947    0.84053   3668.238   14258.48318   546.7045    2735.44
 94    1666104   291001.7   0.17466    0.82534   2881.555   10590.24551   470.3667   2188.735
 95    1375102     262727   0.19106    0.80894   2222.675   7708.690552   396.8826   1718.368
 96    1112375     232186   0.20873    0.79127   1680.384   5486.015252   327.8005   1321.486
 97     880189   200436.6   0.22772    0.77228   1242.652   3805.631181   264.4642   993.6853
 98   679752.3   168626.2   0.24807    0.75193   896.8927   2562.979307   207.9366   729.2212
 99   511126.2   137917.2   0.26983    0.73017   630.2809   1666.086608   158.9427   521.2845
100     373209     110287   0.29551    0.70449   430.1048    1035.80574   118.7853   362.3418
101     262922   88991.21   0.33847    0.66153   283.1818   605.7008987   89.57809   243.5565
102   173930.8   72099.53   0.41453    0.58547   175.0778    322.519067   67.82711   153.9785
103   101831.3   54946.11   0.53958    0.46042   95.79702   147.4412379   48.30856   86.15134
104   46885.15   34200.37   0.72945    0.27055   41.22137   51.64421301    28.1018   37.84278
105   12684.78   12684.78   1.00000    0.00000   10.42284   10.42284274   9.740975   9.740975




                                          Page 17
                                                 Female non smoker




GENERAL INSURANCE FORMULA                            WHOLE LIFE INSURANCE
Amount of insurance coverage = $     1,000.00        Amount of insurance coverage =   $   1,000.00
age at which coverage starts =              40                             x=                    40
age at which coverage ends =              100        age at which coverage ends =              106
                        at age =            30                             at age =              40
the value of this insurance is = $      38.92                              Ax =       $      77.58




                                                     Page 18
Female non smoker




    Page 19
Female non smoker




    Page 20
                                 Female non smoker




TERM LIFE INSURANCE
Amount of insurance coverage = $       1,000.00
If term n =          5        x=              40
                       then x+n =             45
        and at same age x =                   40
                       Ax:n =     $        4.44




                                      Page 21

				
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