uc-NRL-i;, ^C IM 374 >W^''^ LIBRARY OF THE University of California. OIKX OF" tA/>vva^?vN.. ,Cl \o-e>Wwyvo. m^ c* 7. p-i'M^^:-?^-'^ LA^crt^ r / /^/^^ ^'^\ NET RATES AND RESERVES ADAPTED TO CALCULATIONS INVOLVING PRELIMINARY TERM INSURANCE AI.SO TABL,ES FOR VARIOUS INCREASING TEMPORARY INSURANCES BY WILBUR S. TUPPER t/ Vice-Pkesiuent of the Conservative Life Insuuance Company •J*«3* NEW YORK C. C. HINE'S SONS COMPANY 1904 \\^ Explanation of Tables. The net premiums and reserves for Preliminary Term policies are given at the ages at which the Whole Life or Endowment contract begins. For example, the net premium as given in the tables at age 21 is the premium required for the second policy year under a Pre- liminary Term policy issued at age 20, and the reserve for the first year at age 2 1 is the reserve for the second policy year under a Pre- liminary Term policy issued at age 20. If this is borne in mind no confusion will arise in using the tables. The net premiums and reserves for Increasing Temporary In- surances, or Mortuary Additions, are given on the basis of $1,000 added to the insurance annually. Copyright, 1904 C. C. Mine's Sons Company New York, N. Y. INTRODUCTION. About one-half of the Legal Reserve Life Insurance Companies in the United States calculate their reserves upon what is styled " Prelimi- nary Term Valuation". The phrase "Preliminary Term Valuation " is a misnomer. It is apt to convey to the layman the idea that there are two systems or ways of valuing policies under the same legal reserve laws; or that the legal reserve laws of the various States may be interpreted in two different ways. Much confusion has arisen from the use of the term referred to, and some of the discussion on the subject has been clouded by reason thereof. As a matter of fact, there is but one way of interpreting the legal reserve statutes in the various States; and as a rule these laws are unambiguous. A One Year Term contract must be valued as One Year Term, whether written by one of the oldest and largest companies, or by one of the youngest and smallest. A Nineteen Payment Life policy must be valued as such by all Insurance Departments, regardless of the company writing it. The only question that can logically arise is as follows : Has a Legal Reserve company a legal right to write a One Year Term as such, the same to be followed, for example, by a Nineteen Pay- ment Life, the two contracts to be issued as one document, and each and the whole to be construed according to the terms of the same, like any other contract? The question is analogous to the rental of a certain property or estate for one year, to be followed by a lease for a term of years; it being agreed that the second lease shall go into effect upon payment of the first installment of the rental due at the beginning of the second term. There has been much occasion and demand for actuarial data adapted to Life and Endowment contracts written with a One Year Preliminary Term. Many standard books of reference give net rates and reserves for Life and Endowment policies for periods of Ten, Fif- teen and Twenty years. There are no publications, however, of easy access, giving these data for periods of Nine, Fourteen and Nineteen years. In other words, some of the essential elementary data required by the younger and smaller companies of the country have heretofore not been obtainable in printed form. Tables and rates herein have been computed on the basis of the Actuaries' 4 per cent and the American 3 per cent and 3^ per cent Tables, these being the three tables now in common use. Net premi- ums have been calculated for the following forms of policies : Ordinary Life. Nineteen Payment Life. Fourteen Payment Life. Nine Payment Life. Nineteen Year Endowment. Fourteen Year Endowment. Nine Year Endowment. Terminal and mean reserve values are given for the above forms of policies in conjunction with One Year Term insurance for the first year of the policy. Under this arrangement of reserves the usual method of determining the net value or mean reserve of a policy for any age, after any given number of years, is ascertained in the same manner as usually obtains with such tables without the Preliminary Term feature. Tables are also given for net rates, mean and terminal reserve values for Ten, Fifteen and Twenty Year Increasing Temporary In- surances, or Mortuary Additions, as they are properly called. The use of these tables for the purpose of ascertaining premiums and net values on return premium policies and other styles containing provision for Increasing Temporary Insurance is apparent. It has seemed best that these tables should not be calculated on the Preliminary Term basis, since a careful investigation of the subject shows that most companies employing Preliminary Term treat their Increasing Temporary Insur- ances as beginning in the first year of insurance. All the tables in this work have been carefully computed and checked by means of Tate's Arithmometer, and afterwards re -checked by the method of differences. They have since again been carefully checked by tables indejjendently computed where these were readily available. The figures given are believed to be accurate up to the last decimal figure, which is a close approximation. Computations involv- ing decimals to a greater degreee of accuracy than those employed would in some instances add to or subtract from the final decimal in the tables one or two units, but without in any way affecting the practical accuracy of the figures. As to the development of the One Year Term in connection with Life and Endowment Insurances, a few words are appropriate. In the beginning of Legal Reserve legislation the cost of getting business was much smaller than at the present time, and the technical reserve in the first year of insurance might relatively correspond to the real reserve in the company's hands after paying first-year expenses. In other words, the legal requirements were adapted to the conditions as they then existed. As time went on, the cost of field operations increased. The real reserve left in the company's hands in the first year of insur- ance became smaller and smaller. Companies were obliged to make a fictitious credit by applying something of their capital stock to make the technical reserve good ; or, in the case of a mutual company, this deficit had to come from surplus accumulated by policy-holders alreadv in the company. With the increasing cost of business in the field the technical reserve and the real reserve have become more and more divergent, and the legal requirements do not conform to present conditions. • The inapplicability of the standard of valuation to present condi- tions has nothing whatever to do with age, size or strength of a company. The cost of new business exceeds the loading on the premium. With- out recourse to a Preliminary One Year Term, surplus belonging to other policy-holders must be drawn upon to make a technical showing, Vx'hich does not exist in fact. The strongest and largest company might become technically insolvent by merely writing too large a volume of business. Surely statutory provisions designed to regulate and safe- guard business are not well adapted to present conditions when the very extension of that business under the most favorable of present condi- tions would lead to technical insolvency, as judged by the statutory provisions in question. The Preliminary One Year Terra in the case of Whole Life and Endowment policies is a recognition of the facts as they exist. Under this method every entrant pays the cost involved in the placing of his own business on the books of the company. The securing of his busi- ness is not made an expense to the policy-holders already in the com- pany; and similarly he is not called upon to pay the expenses of acquir- ing others. It is an elementary principle that he who is benefited should^ay the cost of the benefit received. It has been contended that the use of the general surplus of a company in establishing fictitious reserves in the first year of insurance for new entrants is legitimate and for the use and benefit of policy-holders already in the company. It is said that the new policy-holder will in time make good the surplus taken from other policy-holders' account without their knowledge or consent. We do not see the force of this reasoning. The securing of new business involves an expense absolute and immediate, and the profit to the policy-holder whose surplus has been used to secure the new business is contingent and deferred. Surely no profit will ever inure to the policy-holder whose surplus has been used to secure another member of the corporate family if such member is allowed to retire, say after three years, taking with him the full technical reserve in the form of paid-up insurance, or otherwise. An instance of this is found where companies allow retiring policy-holders proportionate parts in paid-up insurance on Limited Payment Life Policies. On the other hand, if policy-holders were not given surrender values, or other concessions, in excess of the real reserve in the company's hands, their withdrawal would not adversely aiifect the surplus of the company. The purpose of this book, however, is not commendation or criti- cism of the policies or plans of any company, nor is it an argument for or against the so called Preliminary Term system of valuation. The fact that one-half of tine Legal Reserve Companies in the United States are operating on this basis justifies a work of this kind. The publication of this book would not have been possible had it not been for subscriptions made in advance for the same by many of the Legal Reserve Companies and various State Departments, and special thanks are due for this co-operation. The author acknowledges his obligation to the Conservative Life Insurance Company for the use of its calculating machines and other facilities for preparing the work. Special credit is due to Mr. Herman A. Behrens, Assistant Actuary of the Conservative Life Insurance Company, who personally superin- tended most of the work of calculating and checking. The author also acknowledges his obligation to Mr. A. G. Hann, Mr. O. K. Evans, and Mr. G. W< Bishop, assistants in the Actuarial Department of the Conservative Life Insurance Company. The author is also under grateful obligations to Mr. Walter S. Nichols, member of the Actuarial Society of America, and Editor of the Insurance Monitor, for helpful suggestions; also to Mr. I. Smith Homans, until recently Actuary of the Bankers' Life of New York, and now Assistant Actuary of the Union Central Life Insurance Com- pany, and to Mr. Henry Moir, Actuary of the Provident Saving^s Life Assurance Society, for co-operation in checking figures herein with tables independently derived and in their possession. WILBUR S. TUPPER. Los Angeles, May, 1904. Combined Experience 4% COMB. EXP. NET PREMIUMS 4% 21 22 23 24 25 20 27 28 29 30 31 32 33 34 35 3G 37 38 39 40 41 42 43 44 45 4G 47 48 49 50 51 52 53 54 55 5G 57 58 59 GO Ordinary Life. 13.27 13.61 13.9G 14.33 14.72 15.13 15.5G IG.Ol 1G.48 16.97 17.49 18.04 18.62 19.23 19.87 20.54 21.26 22.02 22.82 23.68 24.59 25.55 26.58 27.68 28.85 30.08 31.39 32.77 34.23 35.78 37.42 39.15 41.00 42.95 45.03 47.23 49.57 52.07 54.72 57.56 19 Payment Life. 19.98 20.38 20.79 21.21 21.65 22.11 22.58 23.07 23.58 24.11 24.66 25.23 25.83 26.45 27.10 27.77 28.48 29.22 30.00 30.82 31.69 32.60 33.57 34.60 35.67 36.81 38.00 39.25 40.56 41.95 43.41 44.95 46.58 48.31 50.14 52.09 54.17 56.38 58.75 61.29 Payment 9 Payment Life. Life. 24.44 34.13 24.91 34.79 25.41 35.46 25.92 36.16 26.44 36.89 26.99 37.64 27.56 38.42 28.15 39.22 28.75 40.05 29.38 40.91 30.04 41.80 30.71 42.72 31.41 43.68 32.14 44.66 32.89 45.68 33.08 46.73 34.50 47.82 35.35 48.96 36.24 50.13 37.17 51.36 38.15 52.64 39.18 53.97 40.27 55.37 41.41 56.83 42.60 58.34 43.84 59.91 45.13 61.53 46.48 63.21 47.88 64.93 49.35 66.72 50.88 68.56 52.48 70.47 54.16 72.44 55.91 74.48 57.76 76.59 59.71 78.79 61.76 81.07 63.93 83.44 66.23 85.93 68.68 88.53 01 62 63 64 05 00.57 03.78 07.20 70.84 74.72 04.01 71.28 91.25 00 78.85 10 COMB, EXP. NET PREMIUMS 1 4% Endowments. Mortuary Additions. Aie. 19 Yrs. 14 Yrs. 9 Yrs. 20 Yrs. 13 Yrs. 10 Yrs. 20 75.39 56.80 38.72 21 39.42 56.79 94.57 76.79 57.78 39.31 22 39.49 56.85 94.63 78.27 58.81 39.94 23 39.57 56.92 94.68 79.84 59.89 40.61 24 39. 6G 56.99 94.74 81.53 61.03 41.31 25 39.75 57.06 94.80 83.39 62.22 42.05 26 39.84 57.14 94.87 85.45 63.47 42.84 27 39.94 57.23 94.94 87.77 64.78 43.06 28 40.05 57.32 95.01 90.37 66.16 44.52 29 40.10 57.41 95.09 93.28 67.67 45.43 30 40.29 57.51 95.17 96.52 69.34 46.37 31 40.42 57.62 95.26 100.11 71.23 47.36 32 40.57 57.73 95.35 104.09 73.38 48.39 33 40.72 57.85 95.44 108.49 75.82 49.49 34 40.90 57.98 95.54 113.34 78.58 50.70 35 41.09 58.12 95.65 118.66 81.67 52.08 36 41.30 58.27 95.76 124.49 85.12 53.67 37 41.54 58.44 95.88 130.87 88.96 55.53 38 41.80 58.63 96.01 137.81 93.22 57.67 39 42.10 58.85 96.15 145.35 97.92 60.11 40 42.43 59.10 96.32 153.52 103.08 62.87 41 42.80 59.38 96.52 H)2.39 108.74 65.94 42 43.22 59.70 96.75 172.00 114.90 69.36 43 43.68 60.06 97.01 182.39 121.58 73.13 44 44.20 60.47 97.32 193.59 128.81 77.26 45 44.78 60.93 97.67 205.65 136.62 81.75 46 45.41 61.43 98.05 218.60 145.08 86.62 47 40.10 61.97 98.47 232.48 154.23 91.91 48 40.8G 62.57 98.93 247.31 164.14 97.61 49 47.68 63.22 99.44 263.12 174.84 103.77 50 48.58 63.94 99.98 279.89 186.39 110.42 51 49.57 64.72 100.58 297.64 198.84 117.65 52 50.65 65.57 101.23 316.36 212.23 125.51 53 51.82 66.50 101.94 336.03 226.62 134.06 54 53.11 67.52 102.71 356.61 242.01 143.33 55 54.52 68.64 103.56 378.07 258.42 153.39 56 56.05 69.87 104.48 400.35 275.87 164.30 57 57.73 71.21 105.50 423.36 294.36 176.10 58 59.57 72.70 106.62 447.02 313.90 188.83 59 61.59 74.32 107.86 471.23 334.47 202.53 60 63.79 76.11 109.22 495.85 356.04 217.19 61 66.19 78.08 110.72 Of THE 11 COMB. EXP. TERMINAL RESERVES 4% 19 Payment Life Years. Atfe. 1 2 3 4 5 21 13.50 27.57 42.20 57.45 . 73.32 22 13.83 28.22 43.21 58.81 75.06 23 14.16 28.90 44.24 00.22 76.85 24 14.50 29.60 45.31 61.07 78.70 25 14.86 30.32 46.42 03.10 80.60 26 15.22 31.07 47.55 64.70 82.55 27 15.60 31.83 48.71 00.27 84.56 28 15.99 32.61 49.91 67.90 80.62 29 16.38 33.42 51.14 69.57 88.75 30 16.79 34.25 52.41 71.30 90.96 31 17.22 35.11 53.72 73.09 93.24 32 17.65 36.00 55.09 74.94 95.60 33 18.10 36.93 56.51 76.87 98.07 34 . 18.58 37.89 57.98 78.88 100.63 35 19.07 38.89 59.52 80.97 103.31 36 19.58 39.95 61.13 83.16 106.11 37 20.13 41.05 62.82 85.47 109.05 38 20.69 42.20 64.59 87.88 112 12 39 21.29 43.43 66.46 90.41 115.27 40 21.92 44.72 68.41 93.00 118.46 41 22.58 46.05 70.39 95.58 121.63 42 23.27 47.39 72.34 98.13 124.73 43 23.93 48.68 74.24 100.58 127.73 44 24.57 49.93 76.05 102.95 130.05 45 25.20 51.12 77.81 105.26 133.52 46 25.77 52.27 79.52 107.54 136.36 47 26.36 53.43 81.25 109.83 139.19 48 26.94 54.60 82.98 112.12 142.02 49 27.54 55.78 84.73 114.41 144.84 50 28.13 56.95 86.40 110.07 147.05 51 28.73 58.12 88.18 118.95 150.45 52 29.33 59.29 89.92 121.23 153.25 53 29.92 60.48 91.67 123.51 156.07 54 30.55 61.69 93.43 125.84 158.92 55 31.16 62.89 95.22 128.18 161.78 56 31.79 64.14 97.06 130.56 164.01 57 32.46 65.43 98.93 132.92 107.42 58 33.13 66.73 100.76 135.23 170.13 59 33.81 68.00 102.55 137.47 172.77 60 34.45 69.22 104.27 139.63 175.29 61 35.10 70.42 105.97 141.74 177.73 12 COMB. A ftf EXP. TERMINAL RESERVES 4-yo 19 Payment Life Years. A^e. 6 7 8 9 10 21 ^9.86 107.09 125.03 143.72 163.20 22 91.98 109.60 127.96 147.09 167.01 23 94.17 112.21 130.99 150.56 170.95 24 96.43 114.88 134.11 154.13 175.00 25 98.74 117.64 137.31 157.81 179.17 26 101.13 120.47 140.62 161.61 183.48 27 103.58 123.39 144.02 165.51 187.91 28 106.11 126.40 147.53 169.55 192.50 29 108.72 129.50 151.16 173.72 197.24 30 111.41 132.72 154.92 178.04 202.16 31 114.21 136.05 158.81 182.53 207.26 32 117.11 139.51 162.85 187.19 212.56 33 120.14 143.12 167.08 192.d5 218.07 34 123.28 146.88 171.47 197.09 2^.74 35 126.57 150.80 176.03 202.28 229.53 3C 130.00 154.88 180.74 207.58 235.43 37 133.60 159.10 185.55 212.98 241.38 38 137.28 163.38 190.42 218.39 247.34 39 141.04 167.72 195.29 223.82 253.32 40 144.81 172.03 200.15 229.22 259.29 41 148.52 176.28 204.95 234.58 265.20 42 152.16 180.49 209.72 239.90 271.08 43 155.71 184.57 214.35 245.08 276.82 44 159.19 188-61 218.93 250.22 282.51 45 162.61 192.58 223.44 255.26 288.11 4C 166.00 196.50 227.90 260.26 293.65 47 169.37 200.40 232.34 265.23 299.15 48 172.73 204.29 236.74 270.15 304.62 49 176.08 208.16 241.12 275.06 310.04 50 179.40 211.98 245.47 279.91 , 315.39 51 182.71 215.81 249.80 284.73 320.65 52 186.04 219.64 254.11 289.47 325.81 53 189.37 223.45 258.34 294.10 330.80 54 192.72 227.22 262.51 298.62 335.66 55 196.01 230.92 266.54 302.98 340.32 56 199.26 234.52 270.48 307.19 344.77 57 202.44 238.04 274.27 311.51 349.00 58 205.51 241.40 277.87 315.00 352.94 59 208.47 244.61 281.28 318.56 356.61 60 211.27 247.64 284.46 321.85 360.01 61 213.97 250.52 287.47 324.97 303.18 13 COMB. EXP. TERMINAL RESERVES 4Vb 19 Payment Life Years. A^e. 11 12 13 14 15 21 183.51 204.67 226.74 249.77 273.80 22 187.78 209.43 232.02 255.57 280.16 23 192.20 214.36 237.47 261.58 286.75 24 190.75 219.42 243.08 267.77 293.53 25 201.44 224.66 248.88 274.16 300.55 26 206.28 230.06 254.87 280.77 307.82 27 211.27 235.63 261.05 287.59 315.31 28 216.43 241.40 267.46 294.67 323.08 29 221.77 247.36 274.08 301.96 331.04 30 227.31 253.56 280.94 309.48 339.21 31 233.06 259.97 288.00 317.18 347.55 32 239.02 266.56 295.22 325.03 356.01 33 245.16 273.33 302.61 333.01 364.61 34 251.44 280.21 310.07 341.08 373.29 35 257.83 287.17 317.61 349.22 382.06 36 264.28 294.20 325.22 357.44 390.91 37 270.80 301.28 332.90 365.73 399.83 38 277.32 308.38 340.60 374.03 408.78 39 283.87 315.51 348.32 382.37 417.75 40 290.40 322.63 356.03 390.70 426.73 41 296.89 329.69 363.68 398.97 435.66 42 303.33 336.71 371.31 407.23 444.59 43 309.63 343.60 378.80 415.34 453.39 44 315.89 350.43 386.24 423.44 462.17 45 322.05 357.17 393.59 431.43 470.84 46 328.14 363.85 400.88 439.35 479.42 47 334.20 370.48 408.10 447.17 487.88 48 340.21 377.04 415.20 454.85 496.17 49 346.16 383.49 422.17 462.36 504.29 50 351.98 389.78 428.94 469.66 512.15 51 357.68 395.91 435.54 476.74 519.79 52 363.23 401.87 441.91 483.57 527.15 53 368.59 407.59 448.01 490.09 534.16 54 373.77 413.09 453.85 496.32 540.87 55 378.69 418.29 459.34 502.17 547.20 56 383.38 423.20 464.51 507.68 553.15 57 387.78 427.79 469.35 512.82 558.71 58 391.86 432.05 473.80 517.54 563.82 59 395.67 435.97 477.89 521.86 568.50 60 399.14 439.53 481.55 525.72 572.68 61 _ 402,34 442.76 484.85 529.15 576.40 14 co^MB. TERMINAL RESERVES 4% EXP. 19 Payment Life Years A^e. 16 17 18 19 21 298.88 325.08 352.44 381.04 22 305.83 332.64 360.66 389.96 23 313.03 340.48 369.18 399.18 24 320.45 348.57 377.97 408.71 25 328.13 356.95 387.06 418.52 26 330.08 365.60 396.42 428.57 27 344.27 374.48 405.99 438.86 28 352.71 383.60 415.81 449.35 29 361.33 392.89 425.76 460.02 30 370.16 402.37 435.91 470.88 31 379.12 411.99 446.21 481.99 32 388.22 421.74 456.67 493.11 33 397.46 431.66 467.29 504.46 34 406.79 441.66 478.02 515.95 35 416.21 451.77 488.85 527.57 36 425.72 461.98 499.79 539.31 37 435.31 472.27 510.84 551.16 38 444.92 482.59 521.93 563.10 39 454.58 492.98 533.10 575.14 40 464.25 503.39 544.34 587.26 41 473.88 513.79 555.57 599.43 42 483.53 524.23 566.87 611.63 43 493.06 534.55 578.05 623.83 44 502.59 544.87 589.25 636.00 45 511.98 555.05 600.31 648.12 46 521.26 565.12 611.30 660.17 47 530.42 575.07 622.17 672.12 48 539.40 584.85 632.88 683.97 49 548.20 594.44 643.42 695.65 50 556.72 603.75 653.70 707.19 51 565.01 612.82 663.78 718.57 52 573.01 621.62 673.62 729.76 53 580.65 630.09 683.16 740.77 54 587.99 638.26 692.46 751.57 55 594.94 646.05 701.41 762.15 56 601.50 653.46 710.03 772.51 57 607.65 660.49 718.32 782.65 58 613.35 667.06 726.22 792.54 59 618.60 673.22 733.78 802.20 60 623.33 678.87 740.89 811.59 61 627.60 684.05 747.57 820.74 15 COMB. EXP. TERMINAL RESERVES 4% * 14 Payment Life Years A^e 1 2 3 4 3 21 18.17 37.13 56.89 77.51 99.03 22 18.58 37.96 58.17 79.25 101.24 23 19.00 38.81 59.48 81.03 103.52 24 19.44 39.70 60.84 82.88 105.87 25 19.89 40.62 62.23 84.77 108.29 26 20.35 41.56 63.67 86.73 110.78 27 20.82 42.52 65.15 88.74 113.34 28 21.31 43.52 66.66 90.80 115.98 29 21.81 44.54 68.23 92.93 118.69 30 22.32 45.59 69.84 95.12 121.49 31 22.86 46.67 71.50 97.38 124.39 32 23.40 47.78 73.20 99.71 127.36 33 23.97 48.94 74.98 102.13 130.46 34 24.55 50.14 76.81 104.63 133.66 35 25.16 51.37 78.71 107.23 136.98 36 25.79 52.67 80.69 109.93 140.45 37 26.45 54.01 82.75 112.74 144.05 38 27.13 55.40 84.90 115.68 147.78 39 27.84 56.87 87.15 118.73 151.62 40 28.60 58.41 89.49 121.84 155.50 41 29.38 59.99 91.85 124.97 159.39 42 30.19 61.58 94.20 128.07 163.20 43 30.98 63.13 96.50 131.09 166.95 44 31.74 64.64 98.72 134.03 170.62 45 32.48 66.09 100.88 136.91 174.25 46 33.18 67.49 102.99 139.75 177.82 47 33.88 68.89 105.11 142.58 181.39 48 34.57 70.29 107.21 145.39 184.92 49 35.27 71.67 109.28 148.16 188.38 50 35.96 73.05 111.35 150.91 191.85 51 36.63 74.40 113.36 153.62 195.24 52 37.30 75.72 115.36 156.27 198.57 53 37.95 77.04 117.32 158.89 201.87 54 38.62 78.35 119.26 161.49 205.13 55 39.26 79.62 121.19 164.05 208.32 56 39.89 80.90 123.08 166.56 211.39 57 40.55 82.18 124.98 169.00 214.37 58 41.19 83.44 126.77 171.31 217.15 59 41.82 84.61 128.45 173.44 219.74 60 42.38 85.68 129.98 175.41 222.09 61 42.92 86.69 131.41 177.21 224.23 16 COMB. TERMINAL RESERVES 4.Vb EXP. A|./vr 14 Payment Life • Years Atfe 6 7 8 9 10 21 121.47 144.90 169.35 194.88 221.53 22 124.18 148.13 173.12 199.20 226.45 23 126.98 151.46 177.00 203.67 231.52 24 129.85 154.88 181.00 208.27 236.74 25 132.81 158.41 185.12 213.01 242.13 26 135.87 .. 162.04 189.37 217.90 247.70 27 139.00 165.78 '193.74 222.93 253.43 28 142.24 169.65 198.26 228.14 259.36 29 145.57 173.62 202.91 233.51 265.48 30 149.01 177.73 207.72 . 239.05 271.79 31 152.56 181.98 212.70 244.79 278.34 32 156.22 186.35 217.82 250.71 285.10 33 160.03 190.90 223.16 256.87 292.10 34 163.96 195.61 228.67 263.22 299.29 35 168.05 200.50 234.39 269.76 306.65 36 172.31 205.57 240.27 276.44 314.15 37 176.72 210.78 246.27 283.24 321.74 38 181.25 216.09 252.37 290.11 329.41 39 185.85 221.47 258.50 297.02 337.14 40 190.49 226.85 264.64 303.96 344.91 41 195.11 232.21 270.78 310.91 352.71 42 199.66 237.53 276.89 317.84 360.50 43 204.15 242.79 282.95 324.74 368.27 44 208.59 248.00 288.97 331.60 376.01 45 212.97 253.17 294.94 338.40 383.72 46 217.30 258.27 300.84 345.16 391.37 47 221.61 263.34 306.73 351.90 399.01 48 225.87 268.38 312.56 358.56 406.60 49 230.07 273.33 318.30 365.16 414.10 50 234.25 278.25 324.02 371.73 421.58 51 238.35 283.10 329.65 378.19 428.91 52 242.39 287.88 335.19 384.51 436.08 53 246.38 292.57 340.59 390.67 443.06 54 250.30 297.15 345.85 396.64 449.84 55 254.10 301.56 350.90 402.39 456.37 56 257.74 305.76 355.71 407.86 462.58 57 261.23 309.79 360.29 413.06 468.50 58 264.50 313.54 364.56 417.91 474.04 59 267.51 316.98 368.48 422.37 479.17 60 270.23 320.10 372.00 426.40 483.87 61 272.69 322.87 375.16 430.04 488.13 17 COMB. EXP. TERMINAL RESERVES 4% 14 Payment Life Years A^e 11 12 13 14 21 249.37 278.45 308.83 340.60 22 254.90 284.62 315.69 348.17 23 260.61 291.01 322.78 355.99 24 266.50 297.58 330.08 364.07 25 272.56 304.37 337.63 372.41 26 278.84 311.39 345.43 381.04 27 285.30 318.63 353.48 389.96 28 291.99 326.11 361.82 399.18 29 298.89 333.85 370.43 408.71 30 306.03 341.85 379.32 418.52 31 313.43 350.13 388.49 428.57 32 321.05 358.61 397.85 438.86 33 328.91 367.33 407.46 449.35 34 336.93 376.21 417.20 460.02 35 345.13 385.25 427.13 470.88 36 353.45 394.42 437.20 481.91 37 361.86 403.71 447.41 493.11 38 370.37 413.11 457.75 504.46 39 378.96 422.60 468.21 515.95 40 387.61 432.18 478.77 527.57 41 396.30 441.81 489.41 539.31 42 404.99 451.47 500.12 551.16 43 413.68 461.16 510.89 563.10 44 422.37 470.87 521.70 575.14 45 431.04 480.57 532.55 587.26 46 439.66 490.26 543.42 599.43 47 448.29 499.97 554.31 611.63 48 456.87 509.63 565.16 623.83 49 465.36 519.19 575.92 636.00 50 473.80 528.71 586.66 648.12 51 482.09 538.06 597.26 660.17 52 490.20 547.25 607.70 672.12 53 498.11 556.24 617.97 683.97 54 505.81 565.02 628.06 695.65 55 513.24 573.53 637.91 707.19 56 520.34 581.72 647.47 718.57 57 527.13 589.61 656.80 729.76 58 533.54 597.16 665.84' 740.77 59 539.55 604.32 674.54 751.57 60 545.11 611.06 682.88 762.15 61 550.23 617.36 690.87 772.51 18 COMB. EXP. 1 TERMINAL RESERVES 4% 9 Payment Life Years Aie 1 2 3 4 5 21 28.33 57.93 88.85 121.16 154.94 22 28.93 59.15 90.72 123.72 158.21 23 29.54 60.40 92.65 126.35 161.57 24 30.18 61.70 94.64 129.07 165.03 25 30.84 63.04 96.70 131.87 168.63 26 31.51 64.42 98.81 134.75 172.31 27 32.21 65.84 100.99 137.72 176.12 28 32.92 67.31 103.24 140.78 180.03 29 33.66 68.82 105.55 143.94 184.08 30 34.42 70.37 107.93 147.19 188.25 31 35.20 71.97 110.39 150.55 192.55 32 36.00 73.61 112.92 154.01 196.99 33 36.83 75.32 115.54 157.59 201.58 34 37.69 77.05 118.22 161.27 206.30 35 38.57 78.88 121.03 165.10 211.22 36 39.49 80.77 123.92 169.06 216.30 37 40.44 82.70 126.90 173.15 221.55 38 41.42 84.71 130.00 177.38 226.97 39 42.44 86.81 133.22 181.77 232.55 40 43.50 88.99 136.55 186.27 238.22 41 44.60 91.23 139.94 190.82 243.96 42 45.74 93.50 143.35 195.39 249.70 43 46.86 95.74 146.74 199.92 255.44 44 47.97 97.97 150.08 204.43 261.17 45 49.06 100.15 153.39 208.92 266.91 46 50.11 102.29 156.67 213.40 272.65 47 51.17 104.44 159.96 217.88 278.40 48 52.22 106.58 163.24 222.37 284.15 49 53.27 108.73 166.52 226.84 289.88 50 54.31 110.85 169.77 231.27 295.60 51 55.34 112.94 172.97 235.67 301.26 52 56.35 115.00 176.15 240.01 306.87 53 57.34 117.03 179.27 244.30 312.44 54 58.33 119.03 182.34 248.55 317.95 55 59.28 120.98 185.37 252.72 323.38 56 60.20 122.90 188.34 256.82 328.67 57 61.14 124.80 191.25 260.79 333.80 58 62.03 126.62 194.02 264.58 338.72 59 62.89 128.33 196.63 268.16 343.40 60 63.66 129.90 199.04 271.50 347.81 61 64.38 131.35 201.27 274.60 351.91 19 COMB. EXP. TERMINAL RESERVES 4% 9 Payment Life Years A^e 6 7 8 9 21 190.25 227.17 265.78 306.17 22 194.26 231.96 271.39 312.62 23 198.39 236.89 277.16 319.29 24 202.65 241.98 283.12 326.17 25 207.05 247.24 289.28 333.27 26 211.59 252.66 295.63 340.60 27 216.26 258.25 302.19 348.17 28 221.08 264.02 308.95 355.99 29 226.06 269.97 315.94 364.07 30 231.19 276.12 323.16 372.41 31 . 236.48 282.47 330.61 381.04 32 241.96 289.03 338.31 389.96 33 247.61 295.80 346.28 399.18 34 253.43 302.79 354.50 408.71 35 259.50 310.06 363.03 418.52 36 265.76 317.56 371.79 428.57 37 272.22 325.25 380.75 438.86 38 278.85 333.12 389.90 449.35 39 285.63 341.15 399.22 460.02 40 292.52 349.28 408.67 470.88 41 299.47 357.50 418.25 481.91 42 306.44 365.79 427.93 493.11 43 313.45 374.15 437.73 504.46 44 320.48 382.56 447.63 515.95 45 327.54 391.03 457.61 527.57 46 334.62 399.53 467.66 539.31 47 341.71 408.07 477.78 551.16 48 348.81 416.65 487.95 563.10 49 355.92 425.24 498.17 575.14 50 363.01 433.82 508.43 587.26 51 370.05 442.40 518.70 599.43 52 377.06 450.94 528.96 611.63 53 384.02 459.45 539.19 623.83 54 390.92 467.88 549.35 636.00 55 397.70 476.18 559.41 648.12 56 404.32 484.33 569.34 660.17 57 410.77 492.29 579.11 672.12 58 416.99 500.04 588.69 683.97 59 422.94 507.52 598.04 695.65 60 428.60 514.70 607.13 707.19 61 433.93 521.56 615.95. 718.57 20 COMB. EXP. TERMINAL RESERVES 4% 19 Year Endowiuent Years A^e 1 2 3 4 5 21 33.87 69.27 106.27 144.96 185.42 22 33.86 69.25 106.24 144.91 185.36 23 33.85 69.23 106.20 144.86 185.29 24 33.84 69.21 106.16 144.80 185.21 25 33.83 69.18 106.12 144.74 185.12 26 33.82 69.15 106.07 144.67 185.02 27 33.81 69.12 106.02 144.59 184.92 28 33.79 69.08 105.97 144.51 184.82 29 33.77 69.05 105.91 144.43 184.71 30 33.76 "69.02 105.86 144.36 184.62 31 33.75 68.99 105.82 144.30 184.54 32 33.74 68.97 105.78 144.25 184.48 33 33.73 68.97 105.76 144.24 184.46 34 33.74 68.98 105.78 144.26 184.49 35 33.76 69.01 105.83 144.33 184.58 36 33.79 69.08 105.93 144.46 184.75 37 33.84 69.17 106.08 144.66 185.01 38 33.91 69.30 106.29 144.94 185.34 39 34.00 69.49 106.57 145.29 185.72 40 34.12 69.73 106.91 145.70 186.13 41 34.26 70.01 107.28 146.07 186.49 42 34.42 70.27 107.60 146.42 186.77 43 34.56 70.50 107.86 146.63 186.95 44 34.68 70.68 108.04 146.79 187.05 45 34.78 70.81 108.16 146.89 187.10 46 34.86 70.89 108.25 146.96 187.11 47 34.92 71.00 108.35 147.04 187.14 48 34.98 71.10 108.47 147.13 187.17 49 35.06 71.23 108.61 147.24 187.22 50 35.15 71.38 108.77 147.37 187.29 51 35.25 71.54 108.95 147.53 187.39 52 35.36 71.72 109.16 147.73 187.54 53 35.49 71.94 109.42 147.99 187.76 54 35.64 72.20 109.74 148.33 188.08 55 35.81 72.50 110.13 148.75 188.48 56 36.01 72.86 110.60 149.27 188.95 57 36.26 73.29 111.17 149.86 189.46 58 36.54 73.78 111.76 150.48 189.99 59 36.85 74.09 112.34 151.09 190.53 60 37.13 74.77 112.96 • 151.71 191.08 61 37.44 75.29 113.59 152.36 191.65 21 COMB. EXP. TERMINAL RESERVES 4% 19 Year Endowment Years A^e 6 7 8 9 10 21 227.74 272.02 318.35 366.84 417.60 22 227.66 271.91 318.22 366.69 417.43 23 227.57 271.79 318.08 366.52 417.24 24 227.46 271.66 317.93 366.35 417.04 25 227.35 271.52 317.76 366.16 416.83 26 227.23 271.37 317.58 365.96 416.61 27 227.10 271.21 317.40 365.74 416.38 28 226.97 271.05 317.22 365.54 416.15 29 226.83 270.89 317.04 365.33 415.93 30 226.71 270.75 316.88 365.15 415.74 31 226.62 270.64 316.75 365.01 415.60 32 226.56 270.57 316.67 364.93 415.52 33 226.54 270.55 316.65 364.92 415.50 34 226.58 270.60 316.71 364.99 415.54 35 226.69 270.74 316.85 365.12 415.62 36 226.89 270.96 317.06 365.29 415.73 37 227.17 271.25 317.31 365.48 415.80 38 227.51 271.59 317.58 365.63 415.83 39 227.92 271.91 317.81 365.74 415.81 40 228.28 272.18 317.98 365.79 415.73 41 228.57 272.38 318.08 365.76 415.57 42 228.77 272.49 318.08 365.63 415.31 43 228.87 272.50 317.98 365.39 414.94 44 228.89 272.42 317.78 365.05 414.46 45 228.85 272.28 317.51 364.63 413.89 46 228.78 272.10 317.18 364.16 413.25 47 228.72 271.90 316.87 363.67 412.58 48 228.65 271.72 316.53 363.16 411.92 49 228.60 271.55 316.21 362.69 411.27 50 228.58 271.40 315.91 362.24 410.60 51 228.60 271.30 315.65 361.80 409.92 52 228.67 271.26 315.44 361.36 409.22 53 228.82 271.29 315.26 360.92 408.49 54 229.05 271.37 315.11 360.49 407.74 55 229.34 271.47 314.97 360.04 406.94 56 229.68 271.60 314.83 359.57 406.07 57 230.05 271.75 314.68 359.06 405.13 58 230.44 271.89 314.50 358.50 404.12 59 230.81 272.01 314.28 357.87 403.02 60 231.18 272.11 314.03 357.19 401.85 61 231.57 272.21 313.75 356.48 400.64 22 COMB. EXP. TERMINAL RESERVES 4% 19 Year Endowmenl Years A^e 11 12 13 14 21 470.76 526.44 584.79 645.95 22 470.57 526.24 584.58 645.75 23 470.37 526.02 584.36 645.53 24 470.15 525.78 584.12 645.29 25 469.92 1 525.54 583.87 645.04 26 469.68 525.29 583.61 644.79 27 469.43 525.02 583.35 644.54 28 469.19 524.78 583.11 644.31 29 468.97 524.56 582.89 644.09 30 468.78 524.37 582.69 643.89 31 468.63 524.22 582.52 643.69 32 468.54 524.11 582.38 643.50 33 468.50 524.02 582.23 643.29 34 468.49 523.95 582.07 643.06 35 468.49 52S.86 581.89 642.80 36 468.48 523.74 581.68 642.51 37 468.44 523.59 581.42 642.17 38 468.85 523.39 581.11 641.78 39 468.20 523.13 580.74 641.32 40 468.01 522.80 580.29 640.78 41 467.71 522.37 579.74 640.14 42 467.28 521.82 579.07 639.36 43 466.76 521.15 578.28 638.48 44 466.13 520.37 577.38 637.51 45 465.41 519.50 576.39 636.42 46 464.63 518.56 575.33 635.26 47 463.81 517.58 574.20 634.02 48 462.96 516.55 573.00 632.68 49 462.09 515.47 571.72 631.24 50 461.22 514.35 570.35 629.69 51 460.27 513.12 568.89 628.03 52 459.26 511.84 567.32 626.24 53 458.22 510.47 565.63 624.29 54 457.11 509.00 563.82 622.17 55 455.92 507.41 561.86 619.87 56 454.63 505.68 559.72 617.39 57 453.24 503.82 557.43 614.76 58 451.74 501.83 554.97 611.88 59 450.13 499.71 552.34 608.83 60 448.43 497.46 549.55 605.57 61 446.66 495.10 546.61 602.10 23 COMB. EXP. TERMINAL RESERVES 4% 19 Year Endowment Years Aie 15 16 17 18 21 710.09 777.38 847.99 922.13 22 709.90 777.21 847.86 922.05 23 709.69 777.02 847.71 921.97 24 709.46 776.82 847.56 921.88 25 709.23 776.62 847.41 921.79 26 709.00 776.42 847.26 921.70 27 708.77 776.21 847.09 921.59 28 708.55 776.02 846.93 921.50 29 708.33 775.81 846.76 921.38 30 708.13 775.61 846.57 921.26 31 707.91 775.38 846.36 921.12 32 707.68 775.13 846.14 920.97 33 707.42 774.86 845.89 920.80 34 707.14 774.56 845.62 920.63 35 706.83 774.24 845.33 920.45 36 706.49 773.89 845.01 920.25 37 706.10 773.49 844.65 920.01 38 705.64 773.02 844.23 919.74 39 705.12 772.48 843.77 919.44 40 704.52 771.86 843.25 919.11 41 703.83 771.18 842.68 918.75 42 703.03 770.42 842.00 918.34 43 702.12 769.56 841.27 917.87 44 701.10 768.58 840.47 917.34 45 699.98 767.50 839.54 916.76 46 698.77 766.33 838.54 916.13 47 697.46 765.06 837.45 915.44 48 696.04 763.67 836.26 914.68 49 694.51 762.17 834.97 913.86 50 692.86 760.54 833.56 912.96 51 691.08 758.77 832.02 911.97 52 689.14 756.85 830.35 910.89 53 687.03 754.76 828.53 909.70 54 684.74 752.49 826.55 908.41 55 682.27 750.01 824.39 907.02 56 679.59 747.35 822.02 905.49 57 676.69 744.42 819.45 903.81 58 673.57 741.29 816.70 901.97 59 670.22 737.90 813.68 899.95 60 666.63 734.24 810.39 897.75 61 662.81 730.31 806.85 895.35 24 COMB. EXP. TERMINAL RESERVES 4% 14 Year Endowment Years Atfe 1 2 3 4 5 21 52.07 106.54 163.53 ,223.17 285.61 22 52.05 106.50 163.47 223.09 285.51 23 52.03 106.46 163.40 223.00 285.40 24 52.01 106.41 163.33 222.91 285.28 25 51.99 106.36 163.26 222.81 285.15 26 51.96 106.31 163.18 222.70 285.01 27 51.93 106.25 163.09 222.58 284.86 28 51.90 106.19 162.99 222.45 284.70 29 51.86 106.12 162.88 222.31 284.53 30 51.82 106.04 162.77 222.16 284.35 31 51.78 105.96 162.65 222.00 284.16 32 51.74 105.88 162.53 221.84 283.96 33 51.70 105.80 162.41 221.69 283.77 34 51.66 105.72 162.30 221.55 283.60 35 51.63 105.65 162.21 221.43 283.46 36 51.61 105.60 162.14 221.34 283.36 37 51.59 105.57 162.10 221.29 283.31 38 51.59 105.56 162.10 221.29 283.30 39 51.61 105.59 162.14 221.34 283.31 40 51.64 105.66 162.22 221.42 283.35 41 51.69 105.77 162.32 221.46 283.32 42 51.75 105.84 162.37 221.44 283.19 43 51.78 105.87 162.34 221.32 282.94 44 51.79 105.84 162.21 221.08 282.58 45 51.77 105.74 162.00 220.75 282.12 46 51.72 105.59 161.74 220.36 281.58 47 51.65 105.42 161.45 219.93 281.04 48 51.56 105.23 161.13 219.47 280.37 49 51.47 105.03 160.79 218.96 279.70 50 51.37 104.81 160.42 218.41 278.98 51 51.27 104.57 160.02 217.82 278.20 52 51.16 104.31 159.60 217.20 277.38 53 51.05 104.05 159.16 216.56 270.54 54 50.93 103.78 158.70 215.92 275.68 55 50.81 103.52 158.25 215.28 274.79 56 50.70 103.28 157.83 214.63 273.86 57 50.61 103.06 157.45 213.95 272.86 58 50.54 102.82 157.00 213.20 271.76 59 50.45 102.56 156.46 212.35 270.53 60 50.34 102.26 155.85 211.41 269.17 61 50.21 101.91 155.20 210.38 267.69 26 COMB. EXP, TERMINAL RESERVES 4% 14 Year Endowment Years A|(e 6 7 8 21 350.97 419.42 491.11 566.22 22 350.85 419.29 490.97 566.08 23 350.72 419.15 490.81 565.93 24 350.58 419.00 490.64 565.76 25 350.43 418.83 490.46 565.57 26 350.27 418.65 490.26 565.37 27 350.10 418.46 490.05 565.15 28 349.91 418.25 489.83 564.92 29 349.71 418.02 489.59 564.67 30 349.50 417.78 • 489.34 564.41 31 349.28 417.53 489.08 564.15 32 349.06 417.28 488.83 563.90 33 348.85 417.05 488.60 563.67 34 348.66 416.85 488.39 563.46 35 348.48 416.69 488.21 563.26 36 348.39 416.56 488.05 563.07 37 348.32 416.45 487.91 562.86 38 348.27 416.36 487.74 562.62 39 348.25 416.25 487.53 562.32 40 348.18 416.08 487.25 561.95 41 348.03 415.82 486.89 561.49 42 347.78 415.44 486.42 560.93 43 347.41 414.94 485.83 560.27 44 346.93 414.34 485.13 559.50 45 346.35 413.64 484.32 558.61 46 345.68 412.84 483.41 557.62 47 344.98 412.00 482.41 556.54 48 344.15 411.01 481.32 555.37 49 343.31 409.99 480.15 554.11 50 342.40 408.91 478.91 552.76 51 341.40 407.76 477.59 551.31 52 340.40 406.54 476.19 549.76 53 339.33 405.25 474.70 548.10 54 338.23 403.89 473.10 546.30 55 337.08 402.44 471.37 544.36 56 335.81 400.87 469.50 542.25 57 334.47 399.16 467.47 539.94 58 332.99 397.28 465.24 537.40 59 331.38 395.25 462.78 534.61 60 329.55 392.97 460.07 531.56 61 327.57 390.51 457.13 528.27 26 COMB. TERMINAL RESERVES 4-% 14 Year Endowment Years Atfe 10 11 12 13 21 644.95 727.46 813.99 904.76 22 644.80 727.34 813.88 904.71 23 644.64 727.20 813.77 904.65 24 644.47 727.04 813.65 904.58 25 644.29 726.87 813.52 904.50 26 644.09 726.69 813.38 904.41 27 643.88 726.50 813.23 904.32 28 643.65 726.30 813.08 904.23 29 643.41 726.09 812.92 904.13 30 643.16 72^88 812.75 904.02 31 642.92 725.67 812.58 903.91 32 642.69 725.46 812.40 903.80 33 642.47 725.25 812.22 903.69 34 642.26 725.03 812.03 903.57 35 642.04 724.80 811.83 903.43 36 641.80 724.55 811.61 903.28 37 641.55 724.27 811.35 903.10 38 641.23 723.94 811.05 902.90 39 640.88 723.58 810.71 902.68 40 640.47 723.15 810.33 902.43 41 639.96 722.64 809.89 902.15 42 639.37 722.05 809.39 901.84 43 638.66 721.37 808.81 901.49 44 €37.84 720.60 808.16 901.09 45 636.92 719.73 807.43 900.64 46 635.90 718.76 806.59 900.13 47 634.82 717.69 805.73 899.57 48 633.60 716.54 804.77 898.97 49 632.32 715.31 803.73 898.32 50 630.93 713.98 802.61 897.61 51 629.41 712.53 801.38 896.83 52 627.79 710.96 800.03 895.97 53 626.03 709.26 798.56 895.03 54 624.15 707.40 796.96 894.01 55 622.07 705.37 795.22 892.90 56 619.83 703.16 793.32 891.69 57 617.38 700.74 791.20 890.33 58 614.68 698.07 788.90 888.86 59 611.68 695.13 786.38 887.22 60 608.45 691.93 783.59 885.42 61 604.93 688.48 780.59 883.47 27 COMB. EXP. TERMINAL RESERVES 4% 9 Year Endowment Years A^e 1 2 3 4 21 91.66 187.62 288.10 393.32 22 91.63 187.56 288.02 393.23 23 91.60 187.50 287.94 393.13 24 91.57 187.44 287.86 393.03 25 91.54 187.38 287.77 392.92 26 91.50 187.31 287.67 392.81 27 91.46 187.24 287.57 392.69 28 - 91.42 187.16 287.45 392.55 29 91.37 187.07 287.33 392.40 30 91.32 186.98 287.20 392.24 ai 91.27 186.88 287.06 392.08 32 91.21 186.77 286.92 391.91 33 91.15 186.66 286.77 391.73 34 91.09 186.55 286.61 391.54 35 91.02 186.43 286.44 391.34 36 90.96 186.31 286.27 391.14 37 90.90 186.19 286.11 390.95 38 90.84 186.08 285.97 390.78 39 90.79 185.99 285.85 390.62 40 90.75 • 185.92 285 76 390.48 41 90.72 185.87 285.64 390.30 42 90.70 185.79 285.48 390.06 43 90.66 185.66 285.25 389.73 44 90.59 185.47 284.93 389.29 45 90.47 185.20 284.52 388.76 46 90.31 184.87 284.04 388.16 47 90.12 184.50 283.51 387.50 48 89.91 184.10 282.94 386.78 49 89.69 183.68 282.32 386.00 50 89.45 183.23 281.65 385.15 51 89.19 182.73 280.91 384.21 52 88.91 182.17 280.09 383.21 53 88.61 181.56 279.21 382.10 54 88.29 180.90 278.27 380.94 55 87.94 180.20 277.27 379.71 56 87.57 179.47 276.22 378.38 57 87.18 178.71 275.10 376.94 58 86.77 177.90 273.88 375.37 59 86.36 177.02 272.54 373.64 60 85.85 176.01 271.06 371.70 61 85.32 174.92 269.42 369.62 28 COMB. TE IRMINAL RESEB ^VES A^TO EXP. 9 Year Endowment L V m J>>^F mma /v^ Years Atfe 5 6 7 8 21 503.56 619.05 740.09 866.98 22 503.46 618.95 740.01 866.92 23 503.35 618.85 739.92 866.86 24 503.24 618.74 739.83 866.80 25 503.12 618.62 739.73 866.74 26 503.00 618.50 739.63 866.68 27 502.87 618.37 739.52 866.62 28 502.72 618.22 739.39 866.54 29 502.56 618.07 739.26 866.45 30 502.39 617.91 739.12 866.36 31 502.21 617.74 738.98 866.27 32 502.02 617.56 738.83 866.18 33 501.83 617.37 738.67 866.08 34 501.63 617.17 738.51 865.98 35 501.42 616.97 738.35 865.88 36 501.21 616.77 738.18 865.78 37 501.01 616.58 738.01 865.67 38 500.82 616.38 737.82 865.54 39 500.63 616.16 737.61 865.39 40 500.42 615.91 737.37 865.22 41 500.19 615.62 737.08 865.02 42 499.85 615.26 736.73 864.79 43 499.44 614.81 736.33 864.52 44 498.93 614.28 735.86 864.21 45 498.33 613.67 735.33 863.86 46 497.65 612.99 734.73 863.47 47 496.91 612.24 734.07 863.04 48 496.11 611.42 733.35 862.58 49 495.23 610.52 732.57 862.08 50 494.26 609.55 731.72 861.56 51 493.20 608.49 730.80 860.94 52 492.06 607.34 729.80 860.30 53 490.84 606.09 728.71 859.60 54 489.53 604.75 727.52 858.83 55 488.12 603.30 726.23 857.99 56 486.60 601.72 724.82 857.07 57 484.95 600.02 723.28 856.06 58 483.14 598.11 721.58 854.94 59 481.13 596.03 719.70 853.70 60 478.90 593.74 717.63 852.32 61 476.45 591.21 715.35 850.84 29 COMB. A OL EXP. TERMINAL RESERVES 4a> 20 Year Mortuary Additions Years A||e. 1 2 3 4 5 20 71.63 139.17 202.26 260.46 313.35 21 73.03 141.94 206.35 265.85 319.99 22 74.50 144.85 210.66 271.52 326.94 23 76.04 147.92 215.23 277.52 334.29 24 77.72 151.25 220.17 284.01 342.25 25 79.57 154.93 225.63 291.20 351.10 26 81.63 159.02 231.71 299.23 360.98 27 83.95 163.64 238.62 308.34 372.26 28 86.55 168.85 246.39 318.66 385.02 29 89.48 174.69 255.14 330.26 399.45 30 92.73 181.22 264.92 343.28 415.70 31 96.36 188.48 275.84 357.86 433.88 32 100.38 196.56 288.01 374.11 454.21 33 104.84 205.54 301.52 392.19 476.89 34 109.77 215.46 316.50 412.27 502.07 35 115.19 226.38 333.00 434.40 529.89 36 121.14 238.39 351.16 458.80 560.62 37 127.66 251.55 371.08 485.62 594.41 38 134.75 265.89 392.84 514.89 631.22 39 142.47 281.52 416.53 546.74 671.06 40 150.86 298.49 442.23 581.11 713.87 41 159.97 316.92 470.02 618.14 759.98 42 169.83 336.79 499.89 657.95 809.34 43 180.46 358.16 532.03 700.64 862.43 44 191.88 381.12 566.46 746.48 919.48 45 204.16 405.73 603.45 795.77 980.94 46 217.30 432.15 643.17 848.78 1047.07 47 281.39 460.46 685.80 905.68 1118.09 48 246.46 490.79 731.46 966.66 1194.24 49 262.53 523.13 780.19 1031.77 1275.57 50 279.60 557.49 831.97 1100.98 1362.19 51 297.68 593.89 886.85 1174.46 1454.16 52 316.75 632.32 944.87 1252.15 1551.49 53 336.81 672.78 1005.96 1334.01 1654.28 54 357.83 715.18 1070.03 1420.04 1762.30 55 379.76 759.46 1137.06 1510.05 1875.38 56 402.55 805.54 1206.82 1603.77 1993.08 57 426.13 853.21 1279.02 1700.73 2114.96 58 450.40 902.31 1353.35 1800.66 2240.69 59 475.26 952.58 1429.55 1903.19 2369.87 60 500.54 1003.75 1507.17 2007.75 2501.76 30 COMB. EXP. TERMINAL RESERVES 4*^ 20 Year Mortuary Additions Years A^e 6 7 8 9 10 20 360.47 401.25 435.13 461.44 479.52 21 368.24 410.07 444.84 471.93 490.56 22 376.39 419.29 455.03 482.88 502.13 23 384.99 429.05 465.77 494.47 514.32 24 394.34 439.63 477.48 507.08 527.67 25 404.72 451.46 490.56 521.29 542.85 26 416.39 464.75 505.37 537.48 560.17 27 429.72 480.04 522.51 556.27 580.46 28 444.87 497.51 542.13 577.92 604.00 29 462.07 517.36 564.54 602.78 631.09 30 481.44 539.80 589.99 631.06 662.07 31 503.21 565.11 618.70 663.10 697.35 32 527.61 593.50 651.04 699.32 737.25 33 554.84 625.28 687.34 740.01 782.02 34 585.17 660.76 727.89 785.39 831.52 35 618.73 700.03 772.71 835.15 885.35 36 655.81 743.36 821.80 889.27 943.72 37 696.52 790.62 875.01 947.79 1006.34 38 740.61 841.52 932.20 1010.23 1073.31 39 788.09 896.24 993.29 1077.10 1145.07 40 839.06 954.66 1058.69 1148.73 1222.13 41 893.70 1017.48 1129.08 1226.04 1305.38 42 952.37 1084.99 1204.92 1309.41 1395.26 43 1015.53 1157.85 1286.84 1399.57 1492.56 44 1083.55 1236.35 1375.20 1496.89 1597.67 45 1156.86 1321.04 1470.58 1602.03 1711.62 46 1235.79 1412.29 1573.43 1715.73 1834.81 47 1320.61 1510.39 1684.28 1838.27 1967.82 48 1411.60 1615.89 1803.48 1970.25 2111.59 49 1509.00 1728.80 1931.25 2112.16 2260.23 50 1612.72 1849.19 2067.84 2263.91 2431.77 51 1722.96 1977.48 2213.45 2425.82 2608.17 52 1839.90 2113.58 2368.05 2597.57 2795.54 53 1963.42 2257.46 2531.34 2779.19 2993.78 54 2093.31 2408.64 2703.13 2970.38 3202.86 55 2229.21 2567.01 2883.20 3171.16 3422.70 56 2370.82 2732.14 3071.28 3381.12 3652.94 57 2517.56 2903.54 3266.75 3599.65 3893.15 58 2669.18 3080.86 3469.27 3826.60 4143.09 59 2825.14 3263.52 3678.36 4061.37 4402.50 60 2984.59 3450.65 3892.96 4303.06 4070.62 31 COMB. EXP. TERMINAL RESERVES 4% 20 Year Mortuary Additions Years A^e 11 12 13 14 15 20 488.54 487.73 476.10 452.72 416.59 21 499.98 499.25 487.49 463.74 426.79 22 511.88 511.30 499.46 475.22 437.51 23 524.49 524.13 512.14 487.49 449.06 24 538.42 538.29 526.29 501.36 462.19 25 554.26 554.60 542.82 517.70 478.00 26 572.54 573.61 562.21 537.17 497.26 27 594.15 596.23 585.58 561.04 521.12 28 619.31 622.80 613.35 589.56 549.72 29 648.47 653.86 645.93 623.05 582.77 30 682.02 689.65 683.44 661.08 619.68 31 720.27 730.42 725.65 703.25 660.38 32 763.48 775.98 772.24 749.56 704.26 33 811.49 826.07 823.24 799.52 751.75 34 864.09 880.73 878.21 853.52 803.08 35 921.08 939.33 937.27 911.52 858.40 36 982.33 1002.46 1000.92 974.25 918.24 37 1048.20 1070.37 1069.61 1041.96 982.89 38 1118.65 1143.21 1143.27 1114.58 1052.17 39 1194.35 1221.48 1222.48 1192.69 1126.68 40 1275.68 1305.65 1307.69 1276.73 1207.27 41 1363.64 1396.78 1400.06 1368.35 1295.06 42 1458.72 1495.38 1500.46 1467.86 1390.71 43 1561.74 1602.68 1609.71 1576.47 1495.94 44 1673.45 1718.99 1728.41 1695.21 1611.09 45 1794.53 1845.34 1858.06 1825.02 1737.26 46 1925.69 1982.86 1999.26 1966.67 1874.52 47 2067.87 2132.00 2152.64 2120.14 2023.54 48 2221.64 2293.53 2318.44 2286.38 2184.98 49 2387.24 2467.19 2497.00 2465.43 2359.36 50 2564.23 2653.06 2688.12 2657.53 2546.50 51 2753.10 2851.48 2892.62 2863.22 2747.16 52 2953.80 3062.77 3110.57 3082.75 2961.88 53 3166.58 3287.01 3342.22 3316.70 3190.97 54 3391.24 3524.13 3587.81 3565.07 3435.18 55 3627.82 3774.47 3847.53 3828.79 3695.89 56 3876.23 4037.79 4121.76 4108.64 3973.36 57 4135.84 4313.98 4410.70 4404.35 4267.86 58 4406.93 4603.66 4714.72 4710.92 4580.65 59 4689.49 4906.55 5034.01 5046.75 4912.70 60 4982.39 5221.82 5367.81 5393.46 5263.49 32 COMB. EXP. TERMINAL RESERVES 4% 20 Year Mortuary Additions Years Atfe 16 17 18 19 20 366.45 301.12 219.31 " 119.46 21 375.53 308.72 224.86 122.46 22 385.15 316.69 230.73 125.80 23 395.47 325.38 237.38 129.66 24 407.49 335.92 245.73 134.83 25 422.44 349.36 256.77 141.58 26 440.90 366.20 270.23 149.40 27 464.00 386.92 286.48 159.13 28 491.20 410.78 305.11 169.54 29 522.04 437.67 325.27 180.93 30 556.25 466.60 347.05 193.13 31 593.10 497.89 370.53 206.41 32 632.98 531.71 396.10 220.88 33 676.12 568.52 423.94 236.65 34 722.99 608.52 454.23 253.84 35 773.44 651.52 486.68 271.98 36 828.06 698.09 521.78 292.10 37 887.08 748.39 560.16 313.85 38 950.24 802.54 601.02 336.77 39 1018.58 860.84 645.07 362.06 40 1092.25 923.81 693.31 389.65 41 1172.84 993.62 747.02 420.98 42 1261.48 1070.51 806.54 455.11 43 1359.16 1155.66 871.98 493.00 44 1466.33 1248.49 943.53 534.07 45 1583.29 1350.13 1021.73 579.45 46 1710.86 1460.90 1107.47 629.13 47 1849.29 1581.60 1200.81 683.17 48 1999.82 1712.92 1302.58 742.58 49 2162.47 1854.98 1413.05 806.73 50 2337.16 2007.89 1531.59 875.67 51 2524.98 2172.28 1659.70 • 951.12 52 2726.10 2349.12 1798.59 1032.89 53 2941.63 2539.89 1948.69 1121.80 54 3172.69 2744.85 2110.76 1218.11 55 3420.08 2965.43 2286.05 1323.26 56 3684.63 3202.46 2475.73 1437.39 57 3966.68 3456.65 2679.84 1560.83 58 4268.12 3729.72 2900.93 1696.49 59 4589.83 4023.44 3141.35 1844.81 60 4932.03 4338.60 3400.42 2005.21 33 COMB. EXP. TERMINAL RESERVES 13 Year Mortuary Additions 4% Years A^e 1 2 3 4 5 20 52.17 99.31 141.01 176.81 206.21 21 53.11 101.15 143.68 180.24 210.33 22 54.10 103.08 146.49 183.87 214.65 23 55.14 105.11 149.45 187.65 219.17 24 56.23 107.25 152.55 191.63 223.89 25 57.39 109.48 155.80 195.78 228.83 26 58.58 111.82 159.18 200.10 233.96 27 59.84 114.26 162.71 204.61 239.32 28 61.17 116.84 166.44 209.40 244.99 29 62.62 119.65 170.54 214.63 251.24 30 64.23 122.82 175.14 220.56 258.37 31 66.07 126.40 180.38 227.36 266.57 32 68.17 130.54 186.49 235.30 276.22 33 70.57 135.29 193.49 244.46 287.44 34 73.30 140.68 201.49 254.99 300.36 35 76.36 146.77 210.56 266.94 315.09 36 79.80 153.63 220.77 280.44 331.82 37 83.64 161.30 232.23 295.66 350.67 38 - 87.91 169.84 245.04 312.66 371.70 39 92.65 179.33 259.26 331.51 394.80 40 97.86 189.77 274.88 352.04 419.75 41 103.57 201.20 291.87 374.21 446.66 42 109.80 213.59 310.17 398.09 475.42 43 116.51 226.87 329.78 423.51 506.15 44 123.71 241.15 350.75 450.77 539.15 45 131.48 256.44 373.28 480.10 574.75 46 139.84 272.98 397.67 511.93 613.37 47 148.90 290.89 424.13 546.45 655.29 48 158.71 310.31 452.83 583.92 700.83 49 169.32 331.32 483.89 624.50 750.17 50 180.78 354.05 517.50 668.43 803.77 51 193.16 378.58 553.81 716.04 861.83 52 206.48 405.01 593.03 767.44 '924.61 53 220.80 433.49 635.28 822.89 992.59 54 236.17 464.03 680.64 882.63 1065.82 55 252.56 496.65 729.23 946.59 1144.29 56 270.02 531.48 781.10 1014.92 1227.99 57 288.58 568.49 836.24 1087.48 1317.01 58 308.21 607.66 894.56 1164.32 1411.32 59 328.89 648.90 956.05 1245.40 1511.04 60 350.58 692.24 1020.70 1330.80 1616.18 34 COMB. EXP. TERMINAL RESERVES 4% 15 Year Mortuary Additions Years A^e 6 7 8 9 10 20 228.69 243.63 250.40 248.27 236.47 21 233.36 248.73 255.74 253.68 241.70 22 238.27 254.06 261.33 259.31 247.19 23 243.37 259.60 267.12 265.16 252.80 24 248.72 265.39 273.20 271.25 258.69 25 254.28 271.45 279.49 277.61 264.88 26 260.09 277.70 286.02 284.19 271.21 27 266.11 284.23 292.87 291.06 277.86 28 272.52 291.21 300.15 298.43 285.06 29 279.63 298.95 308.33 306.82 293.31 30 287.77 307.92 317.94 316.76 303.30 31 297.22 318.46 329.29 328.68 315.56 32 308.45 331.04 343.02 343.37 330.81 33 321.55 345.85 359.37 360.92 349.08 34 336.72 363.14 378.51 381.49 370.12 35 354.13 383.02 400.49 404.74 393.49 36 373.92 405.56 425.08 430.37 419.11 37 396.17 430.62 452.08 458.37 446.57 38 420.74 457.99 481.45 488.38 476.14 39 447.48 487.69 512.92 520.67 507.98 40 476.29 519.35 546.59 555.23 542.21 41 507.09 553.33 582.77 592.55 579.17 42 540.14 589.83 621.80 632.81 619.10 43 575.49 629.00 663.67 676.01 661.91 44 613.56 671.19 708.79 722.56 708.01 45 654.62 716.71 757.49 772.80 758.05 46 699.22 766.20 810.47 827.76 812.72 47 747.65 819.96 868.29 887.68 872.50 48 800.29 878.65 931.37 953.23 938.43 49 857.54 942.44 1000.08 1025.10 1010.76 50 919.70 1011.84 1075.26 1103.77 1090.09 51 987.16 . 1087.53 1157.28 1189.74 1176.46 52 • 1060.41 1169.71 1246.46 1282.93 1270.28 53 1139.74 1258.84 1342.93 1383.95 1371.98 54 1225.27 1354.72 1446.89 1492.81 1481.88 55 1316.75 1457.42 1558.24 1609.67 1599.88 56 1414.47 1567.16 1677.50 1734.91 1726.49 57 1518.43 1684.15 1804.74 1868.70 1862.10 58 1628.83 1808.50 1940.17 2011.48 2006.96 59 1745.64 1940.27 2084.04 2163.33 2161.65 60 1869.00 2079.77 2236.57 2324.97 2327.21 35 COMB. EXP. TERMINAL RESERVES 4% 15 Year Mortuary Additions Years A^e 11 12 13 14 20 214.13 180.38 134.14 74.38 21 218.98 184.49 137.24 76.18 22 223.98 188.76 140.51 77.99 23 229.14 193.20 143.81 79.81 24 234.59 197.82 147.30 81.83 25 240.25 202.67 151.01 83.91 26 246.06 207.67 154.74 85.97 27 252.22 212.92 158.70 88.27 28 258.87 218.67 163.22 90.95 29 266.67 225.71 168.95 94.60 30 276.44 234.76 176.57 99.36 31 288.59 246.17 185.92 104.89 32 303.84 260.22 197.19 111.79 33 321.76 276.34 210.06 119.11 34 341.98 294.43 223.90 127.08 35 364.29 313.76 238.77 135.55 36 388.16 334.55 254.71 144.75 37 413.88 356.92 272.03 154.75 38 441.57 381.20 290.82 165.63 39 471.57 407.50 311.22 177.44 40 503.80 435.74 333.05 189.91 41 538.64 466.28 356.62 203.71 42 576.29 499.26 382.41 218.64 43 616.58 534.79 409.87 234.36 44 660.26 573.07 439.48 251.73 45 707.48 614.56 472.04 270.76 46 759.28 660.69 508.40 292.43 47 816.48 711.70 548.86 316.11 48 879.65 768.27 593.35 342.39 49 949.11 830.06 642.08 370.93 50 1024.94 897.71 695.32 402.45 51 1107.71 971.49 753.74 436.97 52 1197.55 1051.90 817.34 474.52 53 1295.31 1139.42 886.70 515.81 54 1400.97 1234.12 961.99 560.36 55 1514.48 1336.06 1042.76 608.24 56 1636.62 1445.71 1130.11 660.70 57 1767.49 1563.75 1224.89 717.56 58 1907.90 1691.24 1327.42 779.44 59 2058.70 1828.42 1438.25 846.53 60 2220.50 1976.35 1558.36 919.93 ^G COMB. EXP. TERMINAL RESERVES 4% 10 Year Mortuary Additions Years A^e 1 2 3 4 5 20 33.22 60.52 81.43 95.42 101.96 21 33.76 61.53 82.81 97.09 103.82 22 34.33 62.59 84.28 98.88 105.77 23 34.93 63.72 85.86 100.77 107.86 24 35.57 64.92 87.52 102.78 110.06 25 36.25 66.18 89.26 104.87 112.35 26 36.96 67.51 91.09 107.07 114.75 27 37.70 68.90 93.01 109.36 117.26 28 38.48 70.35 94.99 111.74 119.83 29 39.29 71.86 97.08 114.22 122.53 30 40.14 73.45 99.24 116.80 125.37 31 41.03 75.08 101.49 119.50 128.28 32 41.95 76.80 103.85 122.32 131.36 33 42.93 78.64 106.38 125.35 134.69 34 44.03 80.69 109.23 128.82 138.54 35 45.30 83.09 112.60 132.96 143.24 36 46.77 85.92 116.60 137.96 149.03 37 48.53 89.29 121.45 144.10 156.21 38 50.57 93.25 127.19 151.41 164.77 39 52.92 97.85 133.86 159.90 174.52 40 55.59 103.07 141.43 169.37 185.20 41 58.59 108.92 149.79 179.67 196.78 42 61.92 115.32 158.84 190.81 209.07 43 65.54 122.25 168.62 202.67 222.25 44 69.46 129.75 179.08 215.44 236.48 45 73.70 137.76 190.31 229.16 251.83 46 78.25 146.42 202.47 244.09 268.52 47 83.19 155.81 215.69 260.29 286.64 48 88.51 165.94 229.94 277.75 306.14 49 94.27 176.90 245.35 296.61 327.18 50 100.50 188.75 262.00 316.99 350.05 51 107.28 201.65 280.15 339.35 375.09 52 114.64 215.69 300.00 363.76 402.51 63 122.67 231.06 321.70 390.51 432.84 54 131.42 247.78 345.36 419.88 466.11 55 140.92 265.98 371.27 452.04 502.61 56 151.25 285.87 399.56 487.19 542.33 57 162.47 307.45 430.30 525.24 585.43 58 174.61 330.83 463.51 566.46 632.11 59 187.69 355.96 499.28 610.86 682.56 60 201.66 382.88 537.59 658.54 736.71 37 COMB. EXP. TERMINAL RESERVES 4% 10 Year Mortuary Additions Years A^e 6 7 8 9 20 100.48 90.28 70.67 40.85 21 102.35 92.02 72.06 41.70 22 104.34 93.84 73.54 42.55 23 100.44 95.80 75.09 43.50 24 108.67 97.83 76.74 44.45 25 110.97 99.95 78.40 45.40 26 113.40 102.15 80.15 46.47 27 115.90 104.44 82.01 47.55 28 118.47 106.81 83.87 48.62 29 121.20 109.29 85.84 49.82 30 124.03 111.88 87.94 51.04 31 120.90 114.59 90.07 52.27 32 130.07 117.42 92.33 53.65 33 133.43 120.54 94.92 55.26 34 137.41 124.39 98.24 57.48 35 142.44 129.39 102.70 60.39 36 148.71 135.69 108.14 63.75 37 156.55 143.42 114.66 67.92 38 105.69 152.20 122.05 72.29 39 175.89 161.93 129.88 76.99 40 187.00 172.20 138.21 81.95 41 198.76 183.15 147.08 87.31 42 211.33 194.88 156.68 93.12 43 224.84 207.59 167.10 99.43 44 239.53 221.41 178.45 106.32 45 255.36 236.29 190.60 113.58 46 272.56 252.46 203.79 121.68 47 291.24 269.98 218.28 130.45 48 311.28 288.91 233.73 139.69 49 333.00 309.35 250.42 149.94 50 356.63 331.51 268.80 161.17 51 382.54 356.24 289.40 174.03 52 411.22 383.62 312.35 188.06 53 442.94 414.05 337.58 203.64 54 477.83 447.22 365.19 220.52 55 515.88 483.54 395.33 239.16 56 557.40 523.11 428.39 259.58 57 602.42 566.20 464.34 281.74 58 651.39 613.09 503.54 306.12 59 704.30 663.79 546.06 332.38 60 701.12 718.36 591.63 360.56 as COMB. EXP. MEAN RESERVES Ordinary Life 4% Years Atfe 1 2 3 4 5 21 9.88 16.46 23.27 30.31 37.58 22 10.18 17.03 24.11 31.43 38.99 23 10.48 17.62 24.98 32.60 40.47 24 10.82 18.24 25.91 33.83 42.01 25 11.16 18.89 26.87 35.11 43.62 26 11.52 19.56 27.87 36.44 45.30 27 11.90 20.27 28.92 37.84 47.06 28 12.29 21.01 30.01 39.30 48.89 29 . 12.71 21.78 31.15 40.83 50.81 30 13.14 22.60 32.36 42.39 52.83 31 13.60 23.45 33.62 44.11 54.95 32 14.07 24.34 34.94 45.89 57.19 33 14.58 25.29 36.34 47.76 59.56 34 15.12 26.29 37.83 49.75 62.07 35 15.67 27.34 39.40 51.85 64.73 36 16.27 28.46 41.06 54.08 67.54 37 16.91 29.66 42.84 56.46 70.54 38 17.57 30.92 44.71 58.98 73.72 39 18.29 32.26 46.72 61.66 77.05 40 19.05 33.70 48.85 64.47 80.51 41 19.86 35.22 51.10 67.35 84.02 42 20.71 36.79 53.32 70.25 87.54 43 21.58 38.38 55.59 73.15 91.05 44 22.49 39.99 57.85 76.04 94.56 45 23.43 41.60 60.12 78.96 98.11 46 24.39 43.24 62.42 81.92 101.75 47 25.39 44.94 64.81 85.00 105.47 48 26.44 46.70 67.29 88.17 109.32 49 27.54 48.56 69.86 91.44 113.28 50 28.70 50.46 72.50 94.80 117.35 51 29.91 52.44 75.23 98.27 121.55 52 31.17 54.49 78.06 101.86 125.87 53 32.50 56.63 81.00 105.58 130.35 54 33.91 58.87 84.06 109.44 135.00 55 35.38 61.20 87.23 113.44 139.81 56 36.92 63.64 90.54 117.60 144.75 57 38.57 66.20 94.01 121.90 149.81 58 40.29 68.88 97.56 126.27 154.95 59 42.11 71.64 101.18 130.70 160.14 60 44.00 74.45 104.87 135.19 165.37 61 45.99 77.36 108.64 139.76 170.68 62 48.06 80.36 112.49 144.40 176.03 63 50.25 83.46 116.44 149.12 181.43 64 52.55 86.66 120.47 153.90 186.90 65 54.96 89.96 124.57 158.75 192.46 66 57.47 93.35 128.77 163.72 198.14 39 COMB. EXP. MEAN RESERVES 4% Ordinary Life Years A^e 6 7 8 10 21 45.09 52.86 60.87 69.15 77.70 22 46.81 54.88 63.21 71.81 80.70 23 48.59 56.98 65.65 74.59 83.82 24 50.46 59.18 68.19 77.49 87.08 25 52.41 61.48 70.85 80.51 90.49 26 54.45 63.88 73.62 83.67 94.05 27 56.57 66.38 76.52 86.99 97.79 28 58.79 69.01 79.56 90.46 101.71 29 61.12 71.77 82.75 94.11 105.84 30 63.57 74.66 86.12 97.96 110.18 31 66.15 77.71 89.66 102.01 114.77 32 68.87 80.93 93.40 106.29 119.62 33 71.75 84.34 97.36 110.83 124.74 34 74.80 87.96 101.56 115.62 130.12 35 78.03 91.79 106.00 120.66 135.72 36 81.46 95.84 110.67 125.91 141.51 37 85.10 100.11 115.53 131.33 147.46 38 88.92 104.53 120.53 136.86 153.50 39 92.88 109.09 125.65 142.50 159.65 40 96.94 113.72 130.82 148.21 165.89 41 101.05 118.39 136.04 153.97 172.20 42 105.15 123.07 141.28 159.79 178.55 43 109.25 127.74 146.56 165.63 184.94 44 113.37 132.49 151.88 171.52 191.39 45 117.57 137.30 157.28 177.50 197.94 46 121.83 142.18 162.77 183.59 204.61 47 126.21 147.19 168.40 189.83 211.44 48 130.71 152.34 174.19 196.23 218.43 49 135.35 157.65 180.13 202.79 225.62 50 140.12 163.08 186.22 209.53 232.97 51 145.02 168.67 192.49 216.45 240.50 52 150.07 174.44 198.95 223.54 248.15 53 155.30 180.39 205.56 230.76 255.93 54 160.71 186.50 212.32 238.11 263.82 55 166.26 192.73 219.18 245.54 271.78 56 171.93 199.07 226.13 253.06 279.81 57 177.70 205.50 233.17 260.65 287.88 58 183.53 211.99 240.25 268.24 295.93 59 189.42 218.51 247.33 275.82 303.97 60 195.34 225.03 254.40 283.39 312.00 61 201.30 231.58 261.50 291.00 320.00 62 207.30 238.17 268.63 298.03 328.14 63 213.34 244.82 275.83 306.31 336.27 64 219.46 251.54 283.08 314.06 344.45 65 225.68 258.34 290.42 321.89 352.70 66 231.99 265.24 297.85 329.80 361.05 40 COMB. EXP. MEAN RESERVES 4% Ordinary Life Years A^e 11 12 13 14 Id 21 8G.52 95.64 105.04 114.74 124.76 22 89.87 99.33 109.10 119.19 129.60 23 93.35 103.19 113.34 123.83 134.66 24 96.98 107.22 117.77 128.69 139.96 25 100.79 111.43 122.42 133.78 145.52 2G 104.77 115.85 127.30 139.12 151.34 27 108.9G 120.49 132.41 144.73 157.47 28 113.35 125.36 137.78 150.63 163.91 29 117.90 130.49 143.45 156.84 170.65 30 122.83 135.90 149.42 163.34 177.66 31 127.9G 141.60 155.67 170.11 184.92 32 133.38 147.58 162.18 177.12 192.38 33 139.08 153.82 168.91 184.33 200.04 34 145.02 160.27 175.85 191.72 207.86 35 151.15 166.90 182.95 199.27 215.87 36 157.45 173.68 190.19 206.98 224.04 37 1G3.89 180.60 197.59 214.85 232.36 38 170.43 187.61 205.13 222.85 240.81 39 177.09 194.81 212.77 230.97 249.38 40 183.85 202.07 220.52 239.19 258.06 41 190.G8 209.40 228.34 247.49 266.83 42 197.5G 216.79 236.23 255.86 275.67 43 204.48 224.23 244.19 264.31 284.58 44 211.48 231.77 252.23 272.84 293.62 45 218.58 239.40 260.39 281.52 302.78 46 225.81 247.18 268.70 290.34 312.06 47 233.21 255.14 277.20 299.33 321.48 48 240.80 263.29 285.86 308.44 331.01 49 248.57 271.60 294.66 317.68 340.63 50 256.49 280.03 303.55 327.00 350.33 51 2G4.5G 288.59 312.56 336.40 360.09 52 272.74 297.25 321.64 345.87 369.88 53 281.03 306.00 330.80 355.37 379.67 54 289.41 314.82 340.00 364.89 389.48 55 297.84 323.67 349.19 374.41 399.28 56 306.31 332.52 358.40 383.92 409.07 57 314.79 341.38 367.60 393.44 418.85 58 323.27 350.23 376.80 402.92 428.58 59 331.72 359.07 385.96 412.37 438.28 60 340.17 367.88 395.10 421.79 447.93 61 348.G4 376.71 404.24 431.20 457.59 62 357.12 385.55 413.38 440.62 467.25 63 365.64 394.42 422.56 450.08 476.94 64 374.21 403.33 431.79 459.58 486.64 65 382.85 412.32 441.09 469.12 496.40 66 391.59 421.41 450.46 478.77 506.30 41 COMB. EXP. MEAN RESERVES 4% Ordinary Life Years A^e 16 17 18 19 20 21 135.12 145.81 156.87 168.27 180.07 22 140.36 151.49 162.97 174.85 187.13 23 145.86 157.42 169.38 181.75 194.52 24 151.61 163.65 176.10 188.97 202.24 25 157.65 170.19 183.16 196.52 210.26 26 163.98 177.05 190.51 204.35 218.53 27 170.64 184.21 198.16 212.45 227.04 28 177.59 191.66 200.00 220.77 235.76 29 184.83 199.36 214.20 229.31 244.69 30 192.32 207.29 222.54 238.06 253.83 31 200.03 215.42 231.08 247.00 263.17 32 207.92 223.74 230.81 256.15 272.71 33 216.01 232.25 248.75 265.48 282.43 34 224.28 240.95 257.86 274.99 292.32 35 232.72 249.82 267.14 284.67 302.38 36 241.33 258.85 276.58 294.50 312.59 37 250.10 268.04 286.17 304.49 322.96 38 258.98 277.34 295.89 314.60 333.46 39 267.99 286.79 305.74 324.85 344.09 40 277.11 296.34 315.71 335.22 354.84 41 286.32 305.98 325.78 345.69 365.66 42 295.62 315.73 335.94 356.22 376.52 43 305.01 325.55 346.16 366.79 387.39 44 314.50 335.46 356.43 377.38 398.28 45 324.10 345.45 366.77 388.02 409.18 46 333.80 355.51 377.16 398.70 420.09 47 343.60 365.66 387.61 409.42 431.02 48 353.50 375.89 398.12 420.15 441.93 49 363.48 386.17 408.65 430.88 452.83 50 373.50 396.46 419.16 441.59 463.70 51 383.55 406.76 429.67 452.28 474.54 52 393.61 417.05 440.17 462.94 485.35 53 403.67 427.34 450.66 473.58 496.11 54 413.73 437.62 461.11 484.19 506.82 55 423.78 447.87 471.53 494.74 517.48 56 433.80 458.09 481.91 505.24 528.10 57 443.80 468.27 492.24 515.69 538.62 58 453.75 478.40 502.52 526.09 549.10 59 463.66 488.48 512.74 536.43 559.51 60 473.51 498.52 522.93 546.70 569.85 61 483.37 508.55 533.07 556.94 580.20 62 493.24 518.56 543.20 567.20 590.63 63 503.10 528.57 553.38 577.59 601.29 64 512.99 538.66 563.69 588.22 612.35 65 522.98 548.91 574.30 599.28 623.99 66 533.09 559.49 585.35 611.01 636.36 42 COMB. EXP. MEAN RESERVES 4% 19 Payment Li£e Years A^e 1 2 3 4 s 21 16.74 30.52 44.87 59.82 75.38 22 17.10 31.21 45.90 61.20 77.12 23 17.47 31.92 46.96 62.62 78.93 24 17.86 32.66 48.06 64.10 80.79 25 18.26 33.42 49.19 65.61 82.70 26 18.67 34.20 50.36 67.18 84.68 27 19.09 35.00 51.56 68.78 86.70 28 19.53 35.83 52.80 70.44 88.80 29 19.98 36.69 54.07 72.15 90.95 30 20.45 37.58 55.39 73.91 93.18 31 20.94 38.49 56.75 75.73 95.49 32 21.44 39.44 58.16 77.03 97.89 33 21.97 40.43 59.63 79.60 100.38 34 22.51 41.46 61.16 81.65 102.98 35 23.08 42.53 62.75 83.79 105.69 36 23.68 43.65 64.42 86.03 108.52 37 24.30 44.83 66.17 88.38 111.50 38 24.96 46.06 68.01 90.85 114.61 39 25.64 47.36 69.94 93.43 117.84 40 26.37 48.73 71.97 96.11 121.14 41 27.14 50.16 74.06 98.83 124.45 42 27.94 51.63 76.17 101.54 127.73 43 28.75 53.09 78.24 104.19 130.94 44 '\X 29.58 54.55 80.29 106.80 134.10 45 30.44 56.00 82.30 109.37 137.23 46 31.29 57.43 84.30 111.93 140.35 47 32.18 58.89 80.34 114.54 143.51 48 33.10 60.39 88.42 117.18 146.69 49 34.05 61.94 90.53 119.85 149.91 50 35.04 63.51 92.68 122.54 153.14 51 36.07 65.13 94.85 125.27 156.41 52 37.14 66.79 97.08 128.05 159.72 53 38.25 68.49 99.37 130.88 163.08 54 39.43 70.27 101.71 133.79 166.53 55 40.65 72.10 104.13 136.77 170.05 56 41.94 74.01 106.64 139.85 173.63 57 43.31 76.03 109.26 143.01 177.25 58 44.76 78.12 111.94 146.19 180.87 59 46.28 80.28 114.65 149.39 184.49 60 47.87 82.48 117.39 152.60 188.10 61 49.55 84.76 120.20 155.86 191.73 43 COMB. EXP. MEAN RESERVES 4% « 19 Payment Life Years A^e 6 7 8 9 10 21 91.58 108.46 126.05 144.37 163.45 22 93.71 110.98 128.97 147.71 167.24 23 95.90 113.58 131.99 151.17 171.15 24 98.17 116.26 135.10 154.72 175.17 25 100.49 119.02 138.30 158.39 179.32 26 102.89 121.85 141.60 162.17 183.60 27 105.36 124.77 144.99 166.05 188.00 28 107.90 127.79 148.50 170.08 192.56 29 110.52 130.90 152.12 174.23 197.27 30 113.24 134.12 155.87 178.53 202.15 31 116.05 137.46 159.76 183.00 207.22 32 118.97 140.93 163.80 187.64 212.49 33 122.02 144.54 168.01 192.48 217.97 34 125.18 148.30 172.40 197.50 223.64 35 128.48 152.23 176.96 202.70 229.45 36 131.94 156.33 181.70 208.05 235.39 37 135.56 160.58 186.56 213.50 241.42 38 139.31 164.94 191.51 219.01 247.48 39 143.15 169.38 196.51 224.56 253.57 40 147.05 173.83 201.50 230.10 259.67 41 150.92 178.25 206.46 235.61 265.74 42 154.75 182.63 211.41 241.11 271.79 43 158.50 186.93 216.25 246.50 277.74 44 162.22 191.20 221.07 251.87 283.66 45 165.90 195.43 225.85 257.19 289.52 46 169.58 199.65 230.60 262.48 295.36 47 173.28 203.89 235.37 267.78 301.19 48 177.00 208.13 240.14 273.07 307.01 49 180.74 212.40 244.92 278.37 312.83 50 184.50 216.67 249.70 283.66 318.63 51 188.29 220.97 254.51 288.97 324.40 52 192.12 225.32 259.35 294.26 330.11 53 196.01 229.70 264.19 299.51 335.74 54 199.97 234.12 269.02 304.72 341.30 55 203.96 238.53 273.80 309.83 346.72 56 207.98 242.94 278.55 314.88 352.03 57 212.01 247.32 283.24 319.82 357.19 58 216.01 251.65 287.83 324.63 362.16 59 219.99 255.92 292.32 329.30 366.96 60 223.93 260.10 296.70 333.80 371.58 61 227.85 264.25 300.99 338.22 376.08 44 COMB. EXP. MEAN RESERVES 4% 19 Payment Life Years A^e 11 12 13 14 15 21 183.35 204.08 225.70 248.25 271.77 22 187.59 208.79 230.91 253.98 278.05 23 191.97 213.67 236.30 259.91 284.55 24 196.48 218.69 241.86 266.03 291.25 25 201.13 223.87 247.59 272.34 298.18 26 205.93 229.22 253.52 278.87 305.35 27 210.88 234.74 259.63 285.61 312.74 28 216.00 240.45 265.96 292.60 320.41 29 221.29 246.36 272.51 299.81 328.29 30 226.79 252.49 279.30 307.27 336.40 31 232.49 258.84 286.31 314.92 344.69 32 238.40 265.41 293.51 322.74 353.14 33 244.53 272.16 300.88 330.73 361.72 34 250.81 279.05 308.37 338.80 370.40 35 257.23 286.05 315.94 346.96 379.18 36 263.74 293.13 323.60 355.22 388.06 37 270.33 300.28 331.33 363.55 397.02 38 276.94 307.46 339.10 371.93 406.02 39 283.60 314.69 346.92 380.35 415.06 40 290.26 321.93 354.74 388.78 424.13 41 296.89 329.13 362.53 397.17 433.16 42 303.51 336.32 370.31 405.58 442.21 43 310.01 343.40 377.98 413.86 451.15 44 316.50 350.46 385.63 422.14 460.10 45 322.92 357.45 393.21 430.35 468.98 46 329.30 364.40 400.77 438.52 477.79 47 335.68 371.34 408.29 446.63 486.52 48 342.04 378.25 415.74 454.65 495.13 49 348.38 385.11 423.11 462.55 503.61 50 354.66 391.85 430.33 470.27 511.88 51 360.87 398.50 437.43 477.84 519.97 52 366.99 405.02 444.37 485.22 527.84 53 372.99 411.38 451.09 492.34 535.42 54 378.87 417.58 457.62 499.24 542.75 55 384.58 423.56 463.89 505.83 549.76 56 390.12 429.33 469.90 512.14 556.47 57 395.47 434.87 475.65 518.17 562.85 58 400.59 440.15 481.12 523.86 568.87 59 405.52 445.20 486.31 529.25 574.56 60 410.22 449.98 491.18 534.28 579.84 61 414.76 454.55 495.81 539.00 584.78 45 COMB. EXP. MEAN RESERVES 4% 19 Payment Life Years Aye 16 17 18 19 21 296.33 321.97 348.75 376.73 22 303.18 329.42 356.83 385.50 23 310.28 337.15 365.22 394.57 24 317.59 345.11 373.88 403.95 25 325.16 353.36 382.83 413.61 26 333.00 361.89 392.07 423.55 27 341.08 370.66 401.53 433.72 28 349.43 379.69 411.24 444.11 29 357.97 388.90 421.12 454.68 30 366.74 398.32 431.20 465.45 31 375.66 407.89 441.43 476.39 32 384.73 417.60 451.82 487.51 33 393.95 427.47 462.39 498.78 34 403.26 437.45 473.06 510.21 35 412.68 447.54 483.86 521.76 36 422.20 457.73 494.77 533.44 37 431.81 468.03 505.79 545.23 38 441.46 478.37 516.87 557.13 39 451.17 488.78 528.04 569.12 40 460.90 499.23 539.27 581.20 41 470.61 509.68 550.53 593.35 42 480.36 520.18 561.85 605.53 43 490.01 530.60 573.09 617.73 44 499.68 541.03 584.36 629.92 45 509.25 551.35 595.52 642.06 46 518.74 561.60 606.61 654.15 47 528.15 571.74 617.62 666.15 48 537.41 581.75 628.49 678.05 49 546.52 591.60 639.21 689.81 50 555.41 601.21 649.70 701.43 51 564.10 610.62 660.00 712.88 52 572.55 619.79 670.10 724.16 53 580.70 628.66 679.92 735.27 54 588.59 637.28 689.52 746.17 55 596.14 645.56 698.80 756.86 56 603.37 653.53 707.79 767.33 57 610.26 661.15 716.49 777.57 58 616.78 668.40 724.83 787.57 59 622.93 675.29 732.88 797.37 60 628.65 681.75 740.53 806.88 61 634.00 687.82 747.81 816.16 46 COMB. EXP. MEAN RESERVES 4% 14 Payment Life Years A^e. 1 2 3 4 3 21 21.30 ■ 39.87 • 59.23 79.42 100.49 22 21.75 40.73 60.52 81.16 102.70 23 22.20 41.61 61.85 82.96 104.98 24 22.68 42.53 63.23 84.81 107.33 25 23.16 43.47 64.65 86.73 109.75 26 23.67 44.45 66.11 88.69 112.25 27 . 24.19 45.45 67.61 90.72 114.82 28 24.73 46.48 69.16 92.81 117.46 29 25.28 47.55 70.70 94.96 120.19 30 25.85 48.65 72.40 97.17 123.00 31 26.45 49.78 74.10 99.46 125.90 32 27.06 50.95 75.85 101.81 128.89 33 27.69 52.16 77.67 104.26 132.00 34 28.35 53.41 79.54 106.79 135.22 35 29.02 54.71 81.49 109.42 138.55 36 29.73 56.07 83.52 112.15 142.03 37< 30.47 57.47 85.63 114.99 145.64 38 31.24 58.94 87.83 117.90 149.40 39 32.04 60.48 90.13 121.06 153.29 40 32.88 • 62.09 92.53 124.25 157.26 41 33.77 63.76 95.00 127.49 161.26 42 34.68 65.48 97.48 130.73 165.23 43 35.62 67.19 99.95 133.93 169.15 44 36.57 68.89 102.38 137.07 173.03 45 37.54 70.59 104.78 140.19 176.87 40 38.51 72.25 107.16 143.29 180.70 47 39.50 73.95 109.56 146.41 184.55 48 40.52 75.67 111.99 149.54 188.39 49 41.57 77.40 114.41 152.66 192.21 50 42.65 79.18 116.87 155.80 196.05 51 43.76 80.96 119.32 158.93 199.87 52 44.89 82.75 121.78 162.06 203.66 53 46.05 84.58 124.26 155.18 207.45 54 47.27 86.44 126.76 168.33 211.26 55 48.51 88.32 129.28 171.50 215.97 56 49.80 90.25 131.84 174.67 218.83 57 51.15 92.25 134.46 177.87 222.56 58 52.56 94.28 137.07 181.00 226.19 59 54.03 96.33 139.64 184.06 229.71 60 55.53 98.37 142.17 187.03 233.09 61 57.10 100.44 144.69 189.95 236.36 47 COMB. EXP. MEAN RESERVES 4% 14 Payment Life Years A^e 6 7 8 10 21 122.47 145.41 169.34 194.33 220.42 22 125.17 148.61 173.08 198.62 225.28 23 127.95 151.92 176.93 203.04 230.30 24 130.82 155.32 180.90 207.59 235.46 25 133.77 158.83 184.98 212.28 240.79 26 136.82 162.45 189.20 217.13 246.29 27 139.95 166.17 193.54 222.12 251.96 28 143.18 170.01 198.02 227.27 257.82 29 146.51 173.98 202.65 232.59 263.87 30 149.94 178.06 207.41 238.08 270.11 31 153.49 182.29 212.35 243.76 276.58 32 157.15 186.64 217.44 249.62 283.26 33 160.95 191.17 222.74 255.72 290.19 34 164.88 195.85 228.21 262.01 297.32 35 168.96 200.72 233.89 268.52 304.65 36 173.22 205.78 239.76 275.20 312.14 37 177.63 211.00 245.77 282.01 319.74 38 182.19 216.34 251.90 288.91 327.44 39 186.85 221.78 258.10 295.88 335.20 40 191.58 227.26 264.33 302.89 343.02 41 196.32 232.74 270.57 309.92 350.89 42 201.03 238.19 276.80 316.95 358.76 43 205.68 243.61 283.01 323.98 366.64 44 210.31 249.00 289.19 330.99 374.50 45 214.91 254.37 295.35 337.97 382.36 46 219.48 259.70 301.47 344.92 390.19 47 224.06 265.04 307.60 351.88 398.02 48 228.63 270.36 313.71 358.80 405.82 49 233.17 275.64 319.75 365.67 413.57 50 237.72 280.93 325.81 372.55 421.33 51 242.23 286.16 331.82 379.36 428.99 52 246.72 291.38 337.78 386.09 436.53 53 251.20 296.55 343.66 392.71 443.94 54 255.67 301.68 349.45 399.20 451.20 55 260.09 306.71 355.11 405.53 458.26 56 264.42 311.60 360.59 411.64 465.07 57 268.68 316.39 365.92 417.55 471.66 58 272.79 320.98 371.01 423.20 477.94 59 276.74 325.36 375.85 428.54 483.88 60 280.50 329.50 380.39 433.54 489.47 61 284.10 333.42 384.65 438.24 494.73 48 COMB. MEAN RESERVES EXP. 14 Payment Life Years 4% A^e 11 12 13 14 21 247.67 276.12 305.86 336.94 22 253.13 282.21 312.61 344.39 23 258.77 288.51 319.59 352.08 24 264.58 295.00 326.79 360.03 25 270.57 301.69 334.22 368.24 26 276.76 308.61 341.90 376.73 27 283.15 315.74 349.83 385.50 28 289.75 323.13 358.04 394.57 29 296.56 330.75 366.52 403.95 30 303.00 338.63 375.28 413.61 31 310.90 346.80 384.33 423.55 32 318.43 355.18 393.59 433.72 33 326.21 363.83 403.10 444.11 34 334.17 372.64 412.78 454.68 35 342.33 381.63 422.63 465.45 36 350.64 390.77 432.65 476.39 37 359.05 400.04 442.81 487.51 38 367.57 409.42 453.11 498.78 39 376.17 418.90 463.53 510.21 40 384.85 428.48 474.06 521.76 41 393.58 438.13 484.69 533.44 4^ 402.33 447.82 495.38 545.23 43 411.11 457.55 500.10 557.13 44 419.89 467.32 516.98 569.12 45 428.68 477.10 527.86 581.20 46 437.44 486.88 538.76 593.35 47 446.21 496.69 549.70 005.53 48 454.97 506.49 560.63 017.73 49 463.67 516.21 571.49 029.92 50 472.36 525.93 582.36 642.06 51 480.93 535.51 593.10 054.15 52 489.38 544.96 603.72 000.15 53 497.66 554.25 614.18 678.05 54 505.78 563.37 624.49 689.81 55 513.69 572.27 634.60 701.43 56 521.31 580.88 644.44 712.88 57 528.69 589.25 654.08 724.16 58 535.76 597.32 663.47 735.27 59 542.48 605.05 672.55 740.17 60 548.83 612.42 681.31 750.80 efl . 554.82 619.44 . 689.70 . 767.33 40 COMB. EXP. MEAN RESERVES 4% 9 Payment Life Years A^e 1 2 3 4 5 21 31.23 60.19 90.46 122.07 155.12 22 31.86 61.43 92.33 124.61 158.36 23 32.51 62.70 94.26 127.23 161.69 24 33.17 64.02 96.26 129.94 165.13 25 33.86 65.38 98.32 132.73 168.69 26 34.57 66.79 100.44 135.60 172.35 27 35.31 68.23 102.63 138.57 176.13 28 36.07 69.72 104.88 141.62 180.02 29 36.86 71.26 107.21 144.77 184.04 30 37.66 72.85 109.61 148.02 188.18 31 38.50 74.48 112.08 151.37 192.45 32 39.36 76.17 114.63 154.83 196.86 33 40.25 77.91 117.26 158.40 201.42 34 41.17 79.70 119.96 162.07 206.11 35 42.13 81.57 122.79 165.90 211.00 36 43.11 83.49 125.71 169.85 216.04 37 44.13 85.48 128.71 173.93 221.26 38 45.19 87.54 131.83 178.17 226.66 39 46.28 89-69 135.08 182.56 232.23 40 47.43 91.92 138.45 187.09 237.92 41 48.62 94.23 141.90 191.70 243.71 42 49.85 96.60 145.41 196.35 249.53 43 51.12 98.99 148.93 201.01 255.37 44 52.40 101.38 152.44 205.67 261.21 45 53.70 103.78 155.94 210.32 267.08 46 55.01 106.16 159.44 214.99 272.98 47 56.35 108.57 162.96 219.69 278.90 48 57.71 111.00 166.52 224.41 284.86 49 59.10 113.47 170.09 229.15 290.83 50 60.52 115.94 173.67 233.88 296.79 51 61.95 118.42 177.24 238.60 302.75 52 63.41 120.91 180.80 243.31 308.68 53 64.89 123.41 184.37 248.00 314.59 54 66.40 125.92 187.93 252.68 320.49 55 67.94 128.42 191.47 257.34 326.35 56 69.49 130.95 195.02 261.97 332.14 57 71.10 133.50 198.56 266.55 337.83 58 72.74 136.05 202.04 271.02 343.37 59 74.41 138.58 205.44 275.36 348.74 60 76.10 141.05 208.73 279.53 353.92 61 77.81 143.49 211.93 283.56 358.88 60 COMB. MEAN RESERVES EXP. 9 Payment Life Years 4% A^e 6 7 8 9 21 189.66 225.78 263.54 303.04 22 193.63 230.50 269.07 309.40 23 197.71 235.37 274.76 315.90 24 201.92 240.39 280.63 322.73 25 206.28 245.59 280.71 329.72 26 210.77 250.94 292.97 330.94 27 215.40 '256.46 299.43 344.39 28 220.17 262.16 306.09 352.08 29 225.09 268.04 312.98 360.03 30 230.18 274.11 320.10 368.24 31 235.42 280.38 327.44 370.73 32 240.84 286.85 335.03 385.50 33 246.43 293.54 342.88 394.57 34 252.19 300.44 350.97 403.95 35 258.20 307.62 359.39 413.01 36 264.39 315.02 368.04 423.55 37 270.79 322.64 370.91 433.72 38 277.39 330.46 385.99 444.11 39 284.15 338.45 395.25 454.08 40 291.05 346.58 404.65 405.45 41 298.03 354.80 414.19 470.39 42 305.06 363.10 423.85 487.51 43 312.13 371.48 433.63 498.78 44 319.24 379.94 443.51 510.21 45 326.40 388.46 453.49 521.70 46 333.59 397.03 463.55 533.44 47 340.82 405.66 473.69 545.23 48 348.08 414.33 483.90 557.13 49 355.37 423.05 494.17 509.12 50 362.66 431.77 504.48 581.20 51 369.94 440.50 514.83 593.35 52 377.20 449.24 525.19 005.53 53 384.45 457.96 535.54 017.73 54 391.68 460.64 545.85 029.92 55 398.83 475.24 556.09 042.00 56 405.89 483.72 566.23 654.15 57 412.82 492.06 576.24 666.15 58 419.57 500.23 586.09 678.05 59 426.14 508.19 595.74 689.81 60 432.46 515.91 605.18 701.43 61 438.54 523.37 614.37 712.88 51 COMB. EXP. MEAN RESERVES 4% 19 Year Endowment Years A^e. 1 2 3 4 5 21 36.64 71.28 107.48 145.32 184.90 22 36.67 71.30 107.49 145.32 184.88 23 36.71 71.32 107.50 145.32 184.86 24 36.75 71.34 107.51 145.31 184.83 25 36.79 71.37 107.52 145.30 184.80 26 36.83 71.40 107.53 145.29 184.77 27 36.87 71.43 107.54 145.28 184.73 28 36.92 71.46 107.55 145.27 184.69 29 36.97 71.49 107.56 145.25 184.65 30 37.02 71.53 107.58 145.25 184.63 31 37.08 71.58 107.61 145.27 184.63 32 37.15 71.64 107.66 145.30 184.66 33 37.23 71.72 107.73 145.37 184.72 34 37.32 71.82 107.83 145.47 184.83 35 37.42 71.94 107.97 145.62 185.01 36 37.54 72.09 108.16 145.84 185.26 37 37.68 72.28 108.40 146.13 185.60 38 37.84 72.51 108.70 146.51 186.04 39 38.03 72.80 109.08 146.97 186.56 40 38.26 73.15 109.53 147.50 187.13 41 38.52 73.54 110.02 148.08 187.68 42 38.81 73.96 110.54 148.61 188.19 43 39.12 74.37 111.02 149.10 188.65 44 39.44 74.78 111.46 149.54 189.05 45 39.78 75.18 111.88 149.94 189.41 46 40.13 75.58 112.28 150.32 189.75 47 40.50 76.00 112.72 150.75 190.14 48 40.91 76.46 113.22 151.23 190.58 49 41.37 76.98 113.77 151.77 191.07 50 41.87 77.55 114.37 152.37 191.62 51 42.41 78.18 115.03 153.03 192.25 52 43.00 78.87 115.77 153.77 192.97 53 43.65 79.63 116.59 154.61 193.80 54 44.37 80.48 117.51 155.58 194.77 55 45.16 81.42 118.56 156.70 195.89 56 46.03 82.47 119.76 157.97 197.15 57 47.00 83.64 121.10 159.37 198.54 58 48.06 84.94 122.56 160.89 200.03 59 49.22 86.35 124.11 162.51 201.61 60 50.47 87.85 125.77 164.23 203.30 61 51.81 89.45 127.55 166.07 205.11 52 COMB. EXP. MEAN RESERVES 4% 19 Year Endowment Years A^e 6 7 8 9 10 21 226.29 269.59 314.89 362.30 411.92 22 226.25 269.53 314.81 362.20 411.80 23 226.21 269.47 314.72 362.09 411.67 24 226.16 269.39 314.63 361.97 411.52 25 226.11 269.31 314.52 361.83 411.37 26 226.05 269.22 314.40 361.69 411.20 27 225.98 269.13 314.28 361.54 411.03 28 225.91 269.04 314.16 361.40 410.87 29 225.85 268.95 314.05 361.27 410.72 30 225.81 268.88 313.96 361.16 410.59 31 225.79 268.84 313.90 361.09 410.51 32 225.80 268.84 313.89 361.08 410.50 33 225.85 268.90 313.94 361.14 410.56 34 225.97 269.03 314.08 361.30 410.71 35 226.17 269.25 314.32 361.55 410.92 36 226.47 269.58 314.64 361.86 411.16 37 226.86 269.99 315.03 362.20 411.41 38 227.33 270.46 315.47 362.53 411.63 39 227.86 270.97 315.89 362.84 411.82 40 228.43 271.45 316.28 363.11 411.97 41 228.95 271.88 316.62 363.32 412.06 42 229.40 272.24 316.89 863.45 412.07 43 229.77 272.53 317.08 363.51 412.00 44 230.08 272.76 317.21 363.50 411.86 45 230.36 272.96 317.29 363.45 411.66 46 230.65 273.16 317.35 363.38 411.42 47 230.97 273.38 317.44 363.32 411.20 48 231.33 273.63 317.56 363.28 411.00 49 231.75 273.93 317.73 363.30 410.84 50 232.23 274.29 317.96 363.37 410.72 51 232.79 274.73 318.27 363.51 410.65 52 233.44 275.28 318.68 363.73 410.62 53 234.20 275.96 319.19 364.01 410.62 54 235.15 276.76 319.80 364.36 410.67 55 236.20 277.67 320.49 364.76 410.75 56 237.36 278.68 321.25 365.22 410.85 57 238.63 279.78 322.09 365.74 410.97 58 240.01 280.96 323.00 366.30 411.10 59 241.48 282.21 323.96 366.88 411.25 60 243.04 283.55 324.98 367.50 411.43 61 244.71 284.99 326.08 368.19 411.66 53 COMB. EXP. MEAN RESERVES 4% 19 Year Endowment Years A^e 11 12 13 14 15 21 463.88 518.31 575.32 635.08 697.73 22 463.74 518.15 575.16 634.91 697.57 23 463.59 517.98 574.98 634.73 697.39 24 463.42 517.80 574.79 634.54 697.21 25 463.25 517.61 574.58 634.33 697.01 26 463.06 517.41 574.37 634.11 696.80 27 462.88 517.20 574.16 633.91 696.61 28 462.70 517.01 573.97 633.73 696.46 29 462.53 516.84 573.80 633.57 696.29 30 462.39 516.70 573.67 633.44 696.14 31 462.31 516.61 573.58 633.32 696.01 32 462.30 516.59 573.52 633.23 695.87 33 462.36 516.61 573.48 633.12 695.72 34 462.40 516.65 573.46 633.02 695.55 35 462.60 516.72 573.42 632.90 695.36 36 462.76 516.77 573.36 632.75 695.15 37 462.89 516.79 573.27 632.57 694.91 38 462.99 516.77 573.14 632.35 694.62 39 463.06 516.72 572.97 632.08 694.27 40 463.08 516.62 572.75 631.74 693.86 41 463.04 516.45 572.46 631.33 693.38 42 462.92 516.18 572.07 630.83 692.81 43 462.70 515.82 571.57 630.23 692.15 44 462.40 515.38 570.98 629.55 691.41 45 462.05 514.87 570.33 628.80 690.60 46 461.67 514.32 569.65 628.00 689.72 47 461.28 513.79 568.95 627.16 688.79 48 460.90 513.22 568.22 626.26 687.79 49 460.54 512.67 567.46 625.31 686.72 50 460.20 512.07 566.65 624.31 685.57 51 459.88 511.50 565.81 623.24 684.34 52 459.58 510.90 564.92 622.10 683.01 53 459.26 510.28 563.96 620.87 681.56 54 458.98 509.64 562.95 619.55 680.01 55 458.68 508.95 561.87 618.12 678.33 56 458.37 508.21 560.71 616.59 676.51 57 458.06 507.43 559.49 614.96 674.57 58 457.73 506.61 558.20 613.23 672.51 59 457.37 505.75 556.84 611.38 670.31 60 457.04 504.85 555.42 609.44 667.98 61 456.75 503.99 553.96 607.44 065.53 54 COMB. EXP. MEAN RESERVES 19 Year Endowment 4% Years Atfe 16 17 18 19 21 703.45 832.40 904.77 980.77 22 763.30 832.28 904.70 980.77 23 763.14 832.15 904.62 980.77 24 762.97 832.02 904.54 980.77 25 762.80 831.89 904.47 980.77 26 762.63 831.76 904.40 980.77 27 762.46 831.62 904.31 980.77 28 762.32 831.50 904.24 980.77 29 762.16 831.36 904.15 980.77 30 762.02 831.23 904.06 980.77 31 761.87 831.08 903.95 980.77 32 761.70 830.92 903.83 980.77 33 761.51 830.74 903.70 980.77 34 761.30 830.54 903.57 980.77 35 761.08 830.33 903.43 980.77 36 760.84 830.10 903.27 980.77 37 760.55 829.83 903.08 980.77 38 760.22 829.52 902.87 980.77 39 759.83 829.17 902.64 980.77 40 759.39 828.77 902.38 980.77 41 758.89 828.33 902.10 980.77 42 758.32 827.83 901.78 980.77 43 757.67 827.25 901.42 980.77 44 756.93 826.60 901.00 980.77 45 756.12 825.90 900.54 980.77 46 755.25 825.14 900.05 980.77 47 754.31 824.30 899.51 980.77 48 753.28 823.39 898.90 980.77 49 752.18 822.41 898.25 980.77 50 750.99 821.34 897.54 980.77 51 749.71 820.19 896.78 980.77 52 748.32 818.96 895.95 980.77 53 746.80 817.56 895.04 980.77 54 745.16 816.07 894.05 980.77 55 743.39 814.46 892.97 980.77 56 741.48 812.70 891.78 980.77 57 739.42 810.80 890.48 980.77 58 737.21 808.76 889.08 980.77 59 734.83 806.56 887.57 980.77 60 732.30 804.22 885.94 980.77 61 729.65 801.66 884.18 980.77 55 COMB. EXP. MEAN RESERVES 4% 14 Year Endowment Years A^e 1 2 3 4 5 21 54.43 107.70 163.43 221.74 282.78 22 54.45 107.70 163.41 221.71 282.73 23 54.47 107.70 163.39 221.67 282.67 24 54.49 107.70 163.37 221.62 282.60 25 54.52 107.70 163.34 221.57 282.52 26 54.55 107.70 163.31 221.51 282.43 27 54.58 107.70 163.28 221.45 282.34 28 54.61 107.70 163.25 221.38 282.24 29 54.64 107.70 163.21 221.31 282.13 30 54.67 107.69 163.17 221.23 282.01 31 54.70 107.68 163.12 221.14 281.89 32 54.74 107.67 163.07 221.05 281.77 33 54.78 107.67 163.03 220.97 281.66 34 54.82 107.68 163.00 220.91 281.57 35 54.87 107.70 162.99 220.87 281.50 3G 54.94 107.74 163.00 220.86 281.47 37 55.02 107.80 163.05 220.90 281.50 38 55.11 107.89 163.14 221.00 281.59 39 55.22 108.02 163.29 221.16 281.73 40 55.36 108.19 163.49 221.35 281.92 41 55.53 108.40 163.73 221.58 282.08 42 55.73 108.63 163.95 221.75 282.16 43 55.93 108.85 164.13 221.85 282.15 44 56.13 109.05 164.26 221.87 282.05 45 56.34 109.22 164.33 221.83 281.88 4G 56.56 109.35 164.36 221.75 281.67 47 56.80 109.50 164.40 221.66 281.48 48 57.06 109.67 164.45 221.57 281.20 49 57.35 109.85 164.51 221.48 280.94 50 57.66 110.05 164.57 221.38 280.66 51 57.99 110.27 164.64 221.27 280.37 52 58.37 110.52 164.73 221.18 280.07 53 58.78 110.80 164.85 221.11 279.79 54 59.24 111.12 165.01 221.08 279.55 55 59.75 111.49 165.22 221.10 279.35 56 60.31 111.92 165.51 221.18 279.17 57 60.93 112.43 165.87 221.31 279.01 58 61.62 113.02 166.27 221.42 278.82 59 62.39 113.67 166.69 221.54 278.60 60 63.24 114.36 167.13 221.66 278.35 61 64.17 115.10 167.60 221.80 278.07 66 COMB. EXP. MEAN RESERVES 4% 14 Year Endowment Years A^e 6 7 8 10 21 346.C8 413.60 483.66 557.06 633.98 22 346.61 413.50 483.56 556.95 633.86 23 340.52 413.39 483.44 556.83 633.73 24 346.43 413.28 483.31 556.69 633.60 25 346.33 413.16 483.17 556.54 633.45 26 346.22 413.03 483.02 556.38 633.29 27 340.10 412.88 482.86 556.21 633.12 28 345.97 412.73 482.69 550.03 632.94 29 345.83 412.57 482.51 555.84 632.75 30 345.68 412.39 482.31 555.64 632.55 31 345.53 412.21 482.11 555.43 632.35 32 345.37 412.03 481.91 555.23 632.16 33 345.23 411.87 481.73 555.05 631.99 34 345.11 411.73 481.59 554.90 631.84 35 345.03 411.63 481.49 554.79 631.70 36 345.00 411.60 481.43 554.70 631.58 37 345.03 411.62 481.41 554.61 631.43 38 345.11 411.64 481.36 554.49 631.25 39 345.22 411.67 481.29 554.34 631.03 40 345.31 411.65 481.17 554.14 630.76 41 345.37 411.60 481.02 553.87 630.42 42 345.32 411.48 480.77 553.52 630.01 43 345.19 411.24 480.41 553.08 629.51 44 344.98 410.89 479.96 552.55 628.92 45 344.69 410.46 479.43 551.93 628.24 46 344.34 409.97 478.83 551.23 627.48 47 344.00 409.47 478.17 550.46 626.67 48 343.54 408.87 477.45 549.62 625.77 49 343.11 408.26 476.68 548.73 624.82 50 342.65 407.61 475.87 547.79 623.81 51 342.17 406.93 475.03 546.80 622.73 52 341.68 406.23 474.15 545.75 621.57 53 341.19 405.53 473.23 544.64 620.33 54 340.71 404.81 472.25 543.46 618.99 55 340.24 404.06 471.21 542.19 617.55 56 339.76 403.26 470.10 540.82 615.99 57 339.26 402.41 468.91 539.33 614.28 58 338.72 401.49 467.62 537.69 612.40 59 338.12 400.47 466.19 535.87 610.32 60 337.43 399.33 464.60 533.88 608.06 61 336.68 398.07 462.87 531.74 605.64 57 COMB. EXP. MEAN RESERVES 4% 14 Year Endowuient Years A^e 11 12 13 14 21 714.59 799.13 887.77 980.77 22 714.49 799.04 887.73 980.77 23 714.37 798.94 887.67 980.77 24 714.25 798.84 887.61 ■ 980.77 25 714.11 798.73 887.54 980.77 26 713.96 798.61 887.46 980.77 27 713.81 798.49 887.38 980.77 28 713.64 798.36 887.30 980.77 29 713.47 798.22 887.22 980.77 30 713.29 798.07 887.14 980.77 31 713.11 797.93 887.06 980.77 32 712.94 797.79 886.97 980.77 33 712.78 797.66 886.88 980.77 34 712.63 797.53 886.79 980.77 35 712.48 797.39 886.69 980.77 36 712.32 797.22 886.58 980.77 37 712.14 797.02 886.44 980.77 38 711.92 796.80 886.28 980.77 39 711.66 796.56 886.11 980.77 40 711.34 796.28 885.92 980.77 41 710.97 795.95 885.70 980.77 42 710.54 795.56 885.45 980.77 43 710.04 795.10 885.16 980.77 44 709.45 794.58 884.83 980.77 45 708.78 794.00 884.46 980.77 46 708.03 793.37 884.06 980.77 47 707.22 792.68 883.62 980.77 48 706.35 791.94 883.15 980.77 49 705.42 791.14 882.64 980.77 50 704.42 790.27 882.08 980.77 51 703.33 789.32 881.46 980.77 52 702.16 788.28 880.78 980.77 53 700.90 787.16 880.05 980.77 54 699.54 785.94 879.26 980.77 55 698.06 784.61 878.39 980.77 56 696.44 783.17 877.43 980.77 57 694.66 781.61 876.38 980.77 58 692.70 779.83 875.23 980.77 59 690.56 777.91 873.96 980.77 60 688.23 775.82 872.57 980.77 61 685.73 773.57 871.06 980.77 58 COMB. EXP. MEAN RESERVES 4% 9 Year Endowment Years A^e 1 2 3 4 3 21 93.12 186.93 285.14 388.00 495.73 22 93.13 186.91 285.10 387.94 495.66 23 93.14 186.89 285.06 387.88 495.59 24 93.15 186.87 285.02 387.82 495.51 25 93.16 186.85 284.97 387.75 495.43 20 93.17 186.83 284.92 387.68 495.34 27 93.18 186.81 284.87 387.60 495.25 28 93.20 186.79 284.81 387.50 495.14 29 93.22 186.76 284.74 387.40 495.02 30 93.24 186.73 284.67 387.30 494.90 31 93.20 186.70 284.59 387.20 494.77 32 93.28 186.67 284.51 387.09 494.64 33 93.30 186.63 284.42 386.97 494.50 34 93.32 186.59 284.33 386.84 494.35 35 93.34 186.55 284.24 386.71 494.20 36 93.36 186.51 284.15 386.58 494.05 37 93.39 186.48 284.07 386.47 493.92 38 93.42 186.46 284.01 386.38 493.81 39 93.47 186.46 283.98 386.31 493.71 40 93.54 186.49 283.99 386.27 493.63 41 93.63 186.55 284.02 386.21 493.51 42 93.73 186.62 284.02 386.12 493.34 43 93.84 186.66 283.98 385.98 493.09 44 93.95 186.68 283.89 385.76 492.76 45 94.00 186.66 283.73 385.47 492.37 46 94.17 186.61 283.52 385.12 491.92 47 94.29 186.55 283.28 384.74 491.43 48 94.42 186.48 283.02 384.33 490.91 49 94.57 186.41 282.74 383.88 490.34 50 94.73 186.34 282.43 383.39 489.70 51 94.90 186.25 282.09 382.85 489.00 52 95.08 186.15 281.73 382.26 488.24 53 95.28 186.05 281.35 381.62 487.43 54 95.50 185.95 280.94 380.95 486.58 55 95.75 185.85 280.51 380.26 485.69 56 . 96.03 185.77 280.09 379.54 484.74 57 96.35 185.71 279.67 378.77 483.71 58 96.71 185.67 279.22 377.93 482.58 59 97.11 185.62 278.72 377.01 481.32 60 97.55 185.55 278.15 375.99 479.92 61 98.03 185.48 277.52 374.87 478.39 59 COMB. EXP. MEAN RESERVES 4% 9 Year Endowment Years A^e 6 7 8 9 21 608.59 726.86 850.82 980.77 22 608.52 726.79 850.78 980.77 23 608.45 726.72 850.74 980.77 24 608.37 726.65 850.69 980.77 25 608.28 726.57 850.64 980.77 26 608.19 726.49 850.59 980.77 27 608.09 726.41 850.54 980.77 28 607.97 726.31 850.48 980.77 29 607.85 726.21 850.41 980.77 30 607.73 726.10 850.34 980.77 31 607.60 725.99 850.26 980.77 32 607.46 725.87 850.18 980.77 33 607.32 725.74 850.10 980.77 34 607.17 725.61 850.02 980.77 35 607.02 725.48 849.94 980.77 3G 606.87 725.36 849.86 980.77 37 606.73 725.23 849.78 980.77 38 606.60 725.10 849.69 980.77 39 606.48 724.96 849.59 980.77 40 606.34 724.80 849.47 980.77 41 606.17 724.61 849.32 980.77 42 605.95 724.37 849.14 980.77 43 605.65 724.08 848.93 980.77 44 605.27 723.73 848.69 980.77 45 604.83 723.33 848.42 980.77 46 604.34 722.88 848.12 980.77 47 603.81 722.39 847.79 980.77 48 603.23 721.85 847.43 980.77 49 602.59 721.26 847.04 980.77 50 601.89 720.62 846.62 980.77 51 601.14 719.92 846.16 980.77 52 600.32 719.17 845.66 980.77 53 599.44 718.36 845.12 980.77 54 598.50 717.49 844.53 980.77 55 597.50 716.55 843.88 980.77 56 596.42 715.53 843.17 980.77 57 595.24 714.41 842.40 980.77 58 593.94 713.17 841.55 980.77 59 592.50 711.80 840.61 980.77 60 590.92 710.29 839.58 980.77 61 589.19 708.63 838.45 980.77 60 COMB. EXP. MEAN RESERVES 4% 20 Year Mortuary Additions - Years A^e 1 2 3 4 5 20 73.51 71.55 69.47 67.26 64.92 21 74.91 72.94 70.85 68.63 66.26 22 76.38 74.41 72.30 70.06 67.67 23 77.94 75.95 73.83 71.57 69.16 24 79.62 77.63 75.49 73.21 70.78 25 81.48 79.47 77.32 75.03 72.57 2G .83.54 81.53 79.36 77.05 74.57 27 85.86 83.84 81.67 79.34 76.84 28 88.46 86.45 84.27 81.93 79.41 29 91.38 89.36 87.19 84.84 82.30 30 94.62 92.62 90.44 88.09 85.55 31 98.23 96.24 94.07 91.73 89.18 32 102.23 100.26 98.11 95.78 93.24 33 106.66 104.72 102.59 100.28 97.76 34 111.56 109.65 107.55 105.26 102.77 35 116.92 115.06 113.01 110.76 108.29 3G 122.82 121.01 119.01 116.81 114.39 37 129.27 127.52 125.58 123.45 121.09 38 136.28 134.62 132.76 130.69 128.39 39 143.91 142.34 140.57 138.58 136.31 40 152.19 150.72 149.04 147.11 144.85 41 161.18 159.82 158.22 156.32 154.05 42 170.91 169.66 168.11 166.23 163.93 43 181.43 180.26 178.76 176.88 174.55 44 192.74 191.65 190.20 188.32 185.96 45 204.90 203.89 202.47 200.61 198.24 40 217.95 217.01 215.65 213.82 211.44 47 231.93 231.08 229.79 228.00 225.62 48 246.88 246.14 244.93 243.18 240.82 49 262.82 262.20 261.07 259.39 257.05 50 279.74 279.25 278.22 276.61 274.31 51 297.66 297.30 296.40 294.87 292.63 52 316.55 316.36 315.59 314.17 312.00 53 336.42 336.41 335.80 334.50 332.43 54 357.22 357.41 356.97 355.84 353.89 55 378.92 379.33 379.10 378.15 376.35 56 401.45 402.11 402.12 401.37 399.72 57 424.74 425.68 425.93 425.39 423.90 58 448.71 449.93 450.45 450.13 448.84 59 473.25 474.77 475.56 475.50 474.43 60 498.19 500.04 501.13 501.35 500.54 61 COMB. EXP. MEAN RESERVES 4% 20 Year Mortuary Additions Years A^e 6 7 8 9 10 20 02.43 59.79 56.99 54.00 50.82 21 63.75 61.08 58.23 55.20 51.96 22 65.13 62.43 59.54 56.45 53.16 23 66.59 63.85 60.92 57.78 54.43 24 68.18 65.39 62.42 59.23 55.81 25 69.93 67.11 64.09 60.85 57.38 26 71.90 69.04 65.97 62.68 59.16 27 74.15 71.25 68.15 64.81 61.23 28 76.69 73.77 70.63 67.25 63.61 29 79.57 76.62 73.45 70.03 66.36 30 82.81 79.84 76.64 73.20 69.48 31 86.43 83.46 80.25 76.77 73.03 32 90.49 87.51 84.29 80.80 77.03 33 95.02 92.04 88.82 85.32 81.53 34 100.05 97.09 93.87 90.37 86.51 35 105.61 102.67 99.46 95.92 91.96 36 111.74 108.83 105.60 101.98 97.87 37 118.48 115.57 112.28 108.54 104.25 38 125.80 122.85 119.47 115.57 111.07 39 133.71 130.69 127.18 123.10 118.38 40 142.20 139.09 135.43 131.16 126.22 41 151.34 148.11 144.31 139.86 134.69 42 161.14 157.81 153.87 149.24 143.83 43 171.70 168.27 164.19 159.38 153.73 44 183.05 179.54 175.82 170.32 164.41 45 195.29 191.68 187.33 182.13 175.97 46 208.46 204.76 200.27 194.88 188.46 47 222.60 218.82 214.20 208.61 201.93 48 237.76 233.91 229.17 223.39 216.46 49 253.97 250.07 245.20 239.25 232.08 50 271.23 267.27 262.31 256.20 248.78 51 289.56 285.58 280.54 274.27 266.58 52 308.98 304.99 299.88 293.44 285.47 53 329.48 325.49 320.30 313.70 305.45 54 351.02 347.04 341.77 335.01 326.49 55 373.56 369.59 364.27 357.36 348.60 56 397.02 393.09 387.74 380.71 371.72 57 421.32 417.46 412.10 404.99 395.81 58 446.41 442.65 437.32 430.16 420.84 59 472.19 468.50 403.32 456.16 446.76 60 498.52 495.08 489.97 482.88 473.48 62 COMB. EXP. MEAN RESERVES 4% 20 Year Mortuary Additions Years Atfe 11 12 13 14 15 20 47.43 43.82 39.97 35.86 31.49 21 48.51 44.83 40.91 36.71 32.24 22 49.65 45.89 41.89 37.61 33.03 23 50.85 47.02 42.93 38.55 33.88 24 52.16 48.26 44.08 39.61 34.84 25 53.66 49.68 45.42 40.85 35.97 26 55.37 51.32 46.97 42.32 37.33 27 57.38 53.26 48.83 44.09 39.00 28 59.71 55.52 51.02 46.19 40.99 29 62.40 58.15 53.58 48.65 43.30 30 65.48 61.17 56.52 51.47 45.91 31 68.99 64.62 59.85 54.61 48.79 32 72.95 68.48 63.55 58.07 51.93 33 77.36 72.75 67.61 61.83 55.32 34 82.22 77.42 72.01 65.89 59.00 35 87.50 82.46 76.74 70.27 62.95 36 93.21 87.89 81.84 74.99 67.23 37 99.34 93.73 87.34 80.09 71.86 38 105.90 99.99 93.24 85.56 76.82 39 112.94 106.72 99.59 91.45 82.16 40 120.51 113.95 106.42 97.78 87.92 41 128.70 121.78 113.82 104.67 94.19 42 137.54 130.25 121.84 112.15 101.02 43 147.12 139.45 130.57 120.30 108.49 44 157.49 149.42 140.04 129.18 116.66 45 168.72 160.23 150.35 138.88 125.60 46 180.87 171.97 161.57 149.45 135.33 47 194.01 184.68 173.74 160.90 145.87 48 208.21 198.44 186.90 173.29 157.29 49 223.48 213.23 201.05 186.63 169.60 50 239.81 229.05 216.19 200.91 182.80 51 257.22 245.93 232.37 216.20 196.93 52 275.71 263.87 249.60 232.49 212.03 53 295.29 282.90 267.89 249.82 228.12 54 315.94 303.00 287.25 268.20 245.23 55 337.66 324.18 307.70 287.66 263.43 56 360.43 346.43 329.23 308.24 282.75 57 384.20 369.72 351.85 329.94 303.19 58 408.96 394.07 375.59 352.81 324.82 59 434.69 419.47 400.45 376.86 347.09 60 461.31 445.84 426.36 402.04 371.76 63 COMB. EXP. MEAN RESERVES 4% 20 Year Mortuary Additions Years A^e 16 17 18 19 20 20 26.83 21.85 16.55 10.90 4.87 21 27.47 22.38 16.96 11.16 4.98 22 28.15 22.94 17.38 11.44 5.10 23 28.89 23.55 17.85 11.76 5.24 24 29.73 24.26 18.42 12.16 5.41 25 30.74 25.16 19.15 12.68 5.62 26 31.99 26.26 20.05 13.29 5.87 27 33.53 27.61 21.14 14.04 6.17 28 35.35 29.19 22.40 14.87 6.50 29 37.44 30.97 23.78 15.78 6.86 30 39.76 32.92 25.28 16.76 7.24 31 42.30 35.03 26.90 17.82 7.66 32 45.04 37.32 28.60 18.98 8.12 33 48.01 39.80 30.58 20.24 8.63 34 51.23 42.50 32.67 21.62 9.18 35 54.70 45.40 34.91 23.09 9.77 36 58.46 48.55 37.34 24.69 10.42 37 62.53 51.95 39.98 26.44 11.12 38 66.88 55.61 42.82 28.31 11.86 39 71.58 59.55 45.87 30.33 12.69 40 76.66 63.81 49.18 32.54 13.58 41 82.20 68.50 52.86 35.01 14.58 42 88.26 73.65 56.92 37.73 15.68 43 94.92 79.33 61.39 40.72 16.88 44 102.22 85.54 66.27 43.98 18.19 45 110.19 92.33 71.60 47.55 19.63 46 118.87 99.72 77.42 51.45 21.19 47 128.29 107.75 83.75 55.70 22.89 48 138.50 116.47 90.63 60.33 24.75 49 149.53 125.90 98.09 65.34 26.75 50 161.36 136.03 106.09 70.71 28.89 51 174.06 146.91 114.71 76.54 31.22 52 187.64 158.58 124.00 82.84 33.73 53 202.15 171.10 134.02 89.65 36.44 54 217.64 184.54 144.79 96.99 39.37 55 234.19 198.93 156.38 104.93 42.53 56 251.82 214.34 168.85 113.51 45.94 57 270.56 230.78 182.22 122.74 49.60 58 290.49 248.38 196.60 132.75 53.59 59 311.68 267.19 212.11 143.62 57.90 60 334.11 287.25 228.75 155.30 62.53 64 COMB. EXP. MEAN RESERVES 4^ 13 Year Mortuary Additions Years A^e 1 2 3 4 5 20 54.48 52.07 49.52 46.83 43.98 21 55.44 53.01 50.44 47.71 44.84 22 56.46 54.00 51.40 48.65 45.73 23 57.52 55.04 52.41 49.63 46.67 24 58.63 56.13 53.47 50.65 47.66 25 59.80 57.28 54.58 51.73 48.68 26 . 61.03 58.47 55.74 52.84 49.75 27 62.31 59.72 56.96 54.01 50.87 28 63.67 61.04 58.24 55.25 52.05 29 65.14 62.49 59.64 56.61 53.35 30 66.79 64.10 61.22 58.13 54 83 31 68.65 65.93 63.00 59.87 56.52 32 70.77 68.02 65.07 61.90 58.49 33 73.20 70.42 67.43 64.22 60.77 34 75.94 73.14 70.12 66.88 63.39 35 79.02 76.20 73.17 69.90 66.37 36 82.46 79.64 76.59 73.29 69.74 37 86.30 83.48 80.41 77.11 73.53 38 90.57 87.75 84.68 81.37 77.76 39 95.29 92.48 89.42 86.09 82.42 40 100.47 97.68 94.62 91.25 87.49 41 106.15 103.38 1«).30 96.85 92.96 42 112.35 109.58 106.44 102.90 98.84 43 119.04 116.24 113.04 109.36 105.12 44 126.26 123.42 120.12 116.29 111.87 45 134.05 131.14 127.72 123.75 119.15 46 142.46 139.48 135.96 131.84 127.04 47 151.57 148.51 144.87 140.60 135.69 48 161.42 158.29 154.55 150.11 144.89 49 172.08 168.87 165.01 160.40 154.95 50 183.59 180.31 176.32 171.54 165.86 51 196.00 192.65 188.54 183.59 177.67 52 209.36 205.93 201.71 196.59 190.43 53 223.71 220.23 215.90 210.60 204.21 54 239.09 235.56 231.11 225.66 219.05 55 255.49 251.91 247.38 241.78 234.93 56 272.94 269.34 264.74 258.99 251.88 57 291.47 287.86 283.18 277.26 209.88 58 311.05 307.45 302.69 296.60 288.95 59 331.68 328.07 323.24 316.99 309.09 60 353.31 349.72 344.83 338.44 330.30 65 COMB. EXP. MEAN RESERVES 4% 13 Year Mortuary Additions > Years A^e 6 7 8 9 10 20 40.98 37.79 34.43 30.86 27.08 21 41.79 38.56 35.14 31.51 27.66 22 42.04 39.37 35.89 32.19 28.27 23 43.54 40.20 36.66 32.90 28.89 24 44.47 41.08 37.48 33.64 29.55 25 45.45 42.00 38.32 34.41 30.24 26 40.46 42.95 39.20 35.20 30.94 27 47.52 43.94 40.12 36.04 31.69 28 48.64 44.99 41.10 36.93 32.48 29 49.88 46.16 42.18 37.93 33.39 30 51.29 47.50 43.45 39.11 34.47 31 52.92 49.06 44.94 40.51 35.77 32 54.84 50.92 46.72 42.21 37.38 33 57.07 53.09 48.82 44.23 39.29 34 59.64 55.60 51.27 46.59 41.51 35 62.57 58.49 54.07 49.27 44.00 36 65.91 61.76 57.24 52.25 46.73 37 69.65 65.41 00.73 55.52 49.70 38 73.81 69.43 64.54 59.06 52.89 39 78.35 73.79 68.66 62.86 56.33 40 83.26 78.48 73.06 66.94 60.03 41 88.54 83.51 77.80 71.34 64.02 42 94.21 88.92 82.91 76.08 68.34 43 100.27 94.72 88.39 81.18 72.98 44 106.79 100.97 94.30 86.68 77.97 45 113.83 107.71 100.68 92.61 83.37 46 121.47 115.04 107.61 99.07 89.28 47 129.77 122.99 115.16 106.12 95.72 48 138.77 131.65 123.39 113.82 102.79 49 148.55 141.06 132.34 122.22 110.54 50 159.16 151.28 142.09 131.41 119.01 51 170.65 162.40 152.73 141.44 128.25 52 183.10 174.45 164.28 152.31 138.27 53 196.58 187.51 176.77 164.08 149.13 54 211.09 201.57 190.23 176.76 160.84 55 226.62 216.61 204.63 190.35 173.40 56 243.20 232.68 220.03 204.90 186.86 57 260.82 249.78 236.45 220.43 201.26 58 279.51 267.95 253.91 236.98 216.62 59 299.26 287.17 272.42 254.55 232.97 60 320.10 307.49 292.02 273.20 250.41 m COMB. EXP. MEAN RESERVES 4% 13 Yesir Mortuary Additions Years Aife 11 12 13 14 Id 20 23.06 18.81 14.28 9.48 4.37 21 23.57 19.22 14.60 9.69 4.47 22 24.09 19.65 14.93 9.90 4.56 23 24.63 20.09 15.27 10.13 4.66 24 25.20 20.56 15.62 10.36 4.76 25 25.79 21.05 16.00 10.61 4.87 26 26.40 21.55 16.38 10.86 4.98 27 27.04 22.08 16.78 11.13 5.10 28 27.73 22.65 17.23 11.44 5.24 20 28.53 23.34 17.78 11.83 5.41 30 29.50 24.19 18.49 12.33 5.62 31 30.70 25.25 19.36 12.93 5.87 32 32.18 26.56 20.42 13.66 6.17 83 33.94 28.08 21.62 14.46 6.50 34 35.94 29.79 22.96 15.34 6.86 85 38.16 31.66 24.39 16.29 7.24 86 40.56 33.66 25.94 17.31 7.66 87 43.16 35.82 27.61 18.42 8.12 88 45.95 38.17 29.43 19.63 8.63 30 48.98 40.71 31.41 20.95 9.18 40 52.23 43.44 33.53 22.36 9.77 41 55.75 46.40 35.83 23.90 10.42 42 59.56 49.60 38.33 25.57 11.12 43 63.64 53.04 41.01 27.35 11.86 44 68.05 56.76 43.90 29.29 12.69 45 72.82 60.78 47.05 31.41 13.58 46 78.05 65.21 50.55 33.78 14.58 47 83.78 70.10 54.42 36.40 15.68 48 90.10 75.50 58.68 39.28 16.88 49 97.03 81.42 63.35 42.42 18.19 50 104.61 87.88 68.44 45.86 19.63 51 112.86 94.92 74.00 49.63 21.19 52 121.82 102.57 80.06 53.72 22.89 53 131.54 110.89 86.64 58.18 24.75 54 142.04 119.88 93.77 63.01 26.75 55 153.31 129.54 101.43 68.19 28.89 56 165.41 139.93 109.68 73.81 31.22 67 178.36 151.07 118.58 79.89 33.73 58 192.22 163.04 128.18 86.46 36.44 59 207.04 175.90 138.51 93.54 39.37 60 222.90 189.70 149.64 101.23 42.53 67 COMB. EXP. MEAN RESERVES 4% 10 Year Mortuary Additions Years A^e 1 2 3 4 5 20 35.97 33.12 30.11 26.95 23.61 21 36.54 33.65 30.61 27.40 24.02 22 37.14 34.22 31.13 27.89 24.46 23 37.77 34.82 31.70 28.41 24.92 24 38.44 35.45 32.29 28.95 25.41 25 39.15 36.12 32.92 29.52 25.93 26 39.90 36.83 33.57 30.13 26.47 27 40.68 37.57 34.26 30.76 27.03 28 41.50 38.34 34.98 31.41 27.61 29 42.36 39.15 35.73 32.09 28.22 30 43.26 39.99 36.51 32.80 28.85 31 44.19 40.87 37.32 33.54 29.51 32 45.17 41.79 38.17 34.32 30.21 33 46.21 42.77 39.08 35.15 30.95 34 47.36 43.86 40.10 36.09 31.81 35 48.69 45.12 41.30 37.21 32.83 36 50.22 46.59 42.70 38.53 34.06 37 52.03 48.34 44.38 40.14 35.58 38 54.12 50.38 46.35 42.04 37.39 39 56.52 52.72 48.64 44.24 39.45 40 59.23 55.38 51.23 46.71 41.74 41 62.27 58.37 54.11 49.43 44.24 42 65.64 61.65 57.25 52.38 46.92 43 69.33 65.23 60.67 55.55 49.80 44 73.36 69.12 64.35 58.97 52.92 45 77.72 73.30 68.30 62.65 56.27 46 82.44 77.83 72.58 66.65 59.92 47 87.55 82.73 77.23 70.99 63.88 48 93.06 88.02 82.25 75.66 68.15 49 99.02 93.74 87.67 80.72 72.76 50 105.46 99.92 93.53 86.18 77.75 51 112.46 106.65 99.91 92.15 83.21 52 120.08 113.96 106.87 98.66 89.18 53 128.36 121.95 114.47 105.78 95.74 54 137.37 130.63 122.74 113.57 102.93 55 147.16 140.08 131.77 122.09 110.80 56 157.77 150.36 141.62 131.38 119.38 57 169.28 161.51 152.31 141.46 128.68 58 181.72 173.57 163.86 152.35 138.74 59 195.11 186.55 176.30 164.09 149.59 60 209.43 200.44 189.61 176.67 161.24 68 COMB. EXP. MEAN RESERVES 4% 10 Year Mortuary Additions Years Atfe 6 7 8 9 10 20 20.10 16.39 12.48 8.35 3.98 21 20.46 16.69 12.71 8.50 4.05 22 20.84 17.01 12.96 8.67 4.12 23 21.24 17.35 13.22 8.84 4.21 24 21.67 17.70 13.49 9.03 4.29 25 22.12 18.07 13.78 9.21 4.37 26 22.58 18.46 14.07 9.41 4.47 27 23.07 18.86 14.38 9.62 4.56 28 23.57 19.27 14.70 9.83 4.66 29 24.10 19.71 15.04 10.06 4.76 80 24.65 20.16 15.39 10.30 4.87 31 25.22 20.64 15.75 10.54 4.98 32 25.82 21.13 16.13 10.80 5.10 33 26.47 21.68 16.56 11.09 5.24 34 27.22 22.32 17.08 11.47 5.41 35 28.15 23.14 17.76 11.95 5.62 36 29.28 24.15 18.59 12.53 5.87 37 30.69 25.39 19.60 13.23 6.17 38 32.35 26.83 20.75 14.00 6.50 39 34.21 28.42 22.00 14.83 6.86 40 36.26 30.15 23.33 15.72 7.24 41 38.46 31.99 24.76 16.69 7.66 42 40.81 33.97 26.31 17.73 8.12 43 43.35 36.11 27.99 18.87 8.63 44 46.11 38.44 29.82 20.11 9.18 45 49.08 40.96 31.79 21.44 9.77 46 52.31 43.69 33.93 22.89 10.42 47 55.82 46.65 36.26 24.48 11.12 48 59.59 49.84 38.77 26.17 11.86 49 63.67 53.30 41.47 28.01 12.69 50 68.09 57.04 44.42 30.02 13.58 51 72.94 61.17 47.71 32.28 14.58 52 78.27 65.74 51.34 34.77 15.68 53 84.15 70.79 55.36 37.52 16.88 54 90.61 76,31 59.73 40.50 18.19 55 97.66 82.34 64.52 43.77 19.63 56 105.34 88.92 69.74 47.35 21.19 57 113.66 96.05 75.42 51.23 22.89 58 122.70 103.81 81.59 55.47 24.75 59 132.45 112.19 88.27 60.05 26.75 60 142.92 121.19 95.45 64.97 28.89 American Experience 3^^% 11 AMER. EXP. NET PREMIUMS 35^% Ordinary 19 Payment 14 Payment 9 Payment A^e Life Life Life Life 21 13.77 21.76 26.80 37.87 22 14.08 22.11 27.29 38.48 23 14.41 22.48 27.74 39.11 24 14.75 22.87 28.21 39.76 25 15.10 23.27 28.70 40.44 26 15.48 23.69 29.20 41.14 27 15.88 24.12 29.72 41.87 28 16.29 24.57 30.27 42.63 29 16.73 25.03 30.83 43.41 30 17.19 25.52 31.42 44.22 31 17.08 26.02 32.02 45.06 32 18.19 26.55 32.66 45.93 33 18.73 27.10 33.31 46.83 34 19.30 27.67 33.99 47.77 35 19.91 28.27 34.70 48.74 30 20.55 28.89 35.44 49.74 37 21.22 29.54 36.20 50.78 38 21.94 30.23 37.00 51.86 39 22.70 30.94 37.83 52.98 40 23.50 31.69 38.70 54.14 41 24.36 32.48 39.00 55.35 42 25.26 33.30 40.54 56.60 43 26.23 34.17 41.53 57.89 44 27.26 35.09 42.56 59.24 45 28.35 36.06 43.64 60.64 46 29.51 37.09 44.77 62.10 47 30.75 38.17 45.96 63.61 48 32.07 39.33 47.21 65.18 49 33.48 40.55 48.52 66.82 50 34.99 41.84 49.89 68.52 51 36.59 43.22 51.34 70.28 52 38.29 44.69 52.86 72.12 53 40.11 46.25 54.47 74.02 54 42.06 47.91 56.16 76.00 55 44.13 49.69 57.95 78.06 56 46.34 51.00 59.84 80.21 57 48.71 53.64 61.84 82.45 58 51.23 55.83 63.97 84.78 59 53.94 58.19 66.24 87.23 60 56.83 60.72 68.66 89.79 61 59.92 63.44 71.25 92.48 62 63.23 63 66.78 64 70.58 65 74.65 66 79.02 72 AMER. EXP. NET PREMIUMS 31 Vi% Endowments. Mortuary Additions. Atfe 19 Yrs. 14 Yrs. 9 Yrs. 20 Yrs. 15 Yrs. 10 Yrs. 20 76.21 58.26 40.44 21 41.3G 58.98 97.05 77.19 58.84 40.77 22 41.40 59.01 97.08 78.25 59.47 41.12 23 41.45 59.05 97.11 79.41 60.15 41.49 24 41.50 59.09 97.14 80.68 60.90 41.90 25 41.55 59.13 97.17 82.08 61.72 42.34 26 41.61 59.18 97.21 83.62 62.62 42.81 27 41.07 59.23 97.25 85.33 63.59 43.33 28 41.74 59.28 97.29 87.24 64.66 43.89 29 41.82 59.34 97.33 89.36 65.83 44.51 30 41.90 59.40 97.38 91.76 67.13 45.19 31 41.99 59.47 97.44 94.45 68.56 45.93 32 42.09 59.55 97.49 97.49 70.16 46.75 33 42.21 59.63 97.56 100.91 71.95 47.64 34 42.33 59.73 97.63 104.74 73.95 48.62 35 42.47 59.83 97.71 109.03 76.22 49.72 36 42.03 59.95 97.79 113.83 78.78 50.93 37 42.80 60.07 97.89 119.19 81.68 52.29 38 43.00 60.22 97.99 125.16 84.95 53.81 39 43.22 60.38 98.10 131.79 88.62 55.53 40 43.47 60.56 98.23 139.13 92.75 57.49 41 43.75 60.76 98.37 147.24 97.38 59.71 42 44.06 60.99 98.54 156.19 102.55 62.25 43 44.42 61.25 98.72 166.03 108.31 65.12 44 44.82 61.54 98.93 176.82 114.71 68.35 45 45.26 61.88 99.16 188.61 121.79 71.98 46 45.77 62.25 99.43 201.49 129.62 76.04 47 46.34 62.68 99.74 215.50 138.26 80.57 48 46.97 63.16 100.09 230.69 147.75 85.61 49 47.68 63.70 100.49 247.12 158.16 91.20 50 48.47 04.30 100.93 264.82 169.55 97.37 51 49.35 64.98 101.43 283.81 181.99 104.20 52 50.33 65.73 101.99 304.08 195.55 111.71 53 51.42 66.57 102.61 325.57 210.29 119.99 54 52.62 67.50 103.30 348.18 226.28 129.07 55 53.96 68.53 104.07 371.80 243.57 139.02 56 55.43 69.68 104.92 396.34 262.20 149.94 57 57.07 70.96 105.87 421.68 282.17 161.86 58 58.87 72.38 106.93 447.78 303.43 174.88 59 60.85 73.96 108.10 474.58 325.90 189.07 60 63.03 75.71 109.41 502.00 349.48 204.49 61 65.43 77.64 110.86 73 AMER. EXP. TERMINAL RESERVES ^ J 54% 19 Payment Life Years A^e 1 2 3 4 5 21 14.78 30.15 46.13 62.76 80.05 22 15.10 30.80 47.14 64.13 81.79 23 15.44 31.49 48.19 65.55 83.60 24 15.79 32.20 49.27 67.02 85.47 25 16.15 32.94 50.39- 68.54 87.41 26 16.52 33.69 51.55 70.10 89.40 27 16.90 34.48 52.74 71.74 91.48 28 17.31 35.29 53.98 73.41 93.60 29 17.71 36.12 55.25 75.13 95.79 30 18.14 36.99 56.57 76.92 98.06 31 18.58 37.89 57.93 78.76 100.40 32 19.04 38.80 59.33 80.66 102.81 33 19.50 39.75 60.79 82.62 105.30 34 19.99 40.74 62.29 84.65 107.86 35 20.49 41.76 63.83 86.73 110.50 36 21.01 42.81 65.41 88.87 113.20 37 21.54 43.88 67.05 91.07 115.99 38 22.08 44.99 68.72 93.34 118.85 39 22.65 46.13 70.46 95.68 121.82 40 23.23 47.31 72.25 98.09 124.85 41 23.84 48.53 74.11 100.57 127.97 42 24.47 49.80 76.00 103.12 131.15 43 25.12 51.09 77.95 105.71 134.39 44 25.77 52.42 79.93 108.35 137.68 45 26.46 53.77 81.95 111.02 140.98 46 27.14 55.13 83.99 113.70 144.27 47 27.84 56.53 86.04 116.38 147.57 48 28.55 57.90 88.06 119.04 150.84 49 29.24 59.27 90.08 121.68 154.09 50 29.94 60.64 92.10 124.32 157.32 51 30.64 62.01 94.12 126.96 160.55 52 31.34 63.39 • 96.14 129.59 163.75 53 32.06 64.77 98.16 132.20 166.92 54 32.76 66.16 100.17 134.80 170.08 55 33.48 67.55 102.19 137.41 173.22 56 34.20 68.93 104.21 140.00 176.32 57 34.93 70.34 106.23 142.58 179.38 58 35.67 71.75 108.25 145.13 182.41 59 36.40 73.16 110.24 147.65 185.39 60 37.14 74.56 112.23 150.15 188.32 61 37.88 75.95 114.21 152.62 191.17 74 AMER. EXP. 1 TERMINAL RESERVES ^ y/2% 19 Payment Life Years Atfe 6 7 8 9 10 21 98.04 116.75 136.22 156.46 177.53 22 100.17 119.29 139.17 159.85 181.36 23 102.38 121.91 142.22 163.34 185.32 24 104.66 124.62 145.38 166.97 189.41 25 107.02 127.43 148.64 170.70 193.63 26 109.46 130.32 152.00 174.55 198.00 27 111.99 133.32 155.49 178.51 202.50 28 114.58 136.39 159.07 182.63 207.13 29 117.26 139.57 162.75 186.85 211.89 30 120.03 142.85 166.56 191.19 216.79 31 122.88 146.23 170.48 195.67 221.84 32 125.82 149.70 174.51 200.26 227.01 33 128.84 153.28 178.64 204.99 232.34 34 131.96 156.96 182.91 209.85 237.82 35 135.15 160.74 187.29 214.85 243.43 36 138.44 164.63 191.79 219.96 249.18 37 141.83 168.63 196.41 225.21 255.06 38 145.31 172.72 201.13 230.56 261.05 39 148.89 176.93 205.97 236.03 267.15 40 152.56 181.23 210.90 241.59 273.32 41 156.30 185.61 215.91 247.22 279.55 42 160.13 190.07 220.98 252.88 285.82 43 104.01 194.56 226.07 258.58 292.10 44 167.91 199.07 231.18 264.27 298.38 45 171.82 203.58 236.27 269.94 304.61 46 175.72 208.07 241.34 275.57 310.81 47 179.62 212.56 246.40 281.18 316.95 48 183.48 216.98 251.38 286.69 322.99 49 187.31 221.38 256.30 292.14 328.94 50 191.12 225.72 261.16 297.50 334.77 51 194.89 • 230.02 265.97 302.78 340.51 52 198.63 234.27 270.69 307.95 346.09 53 202.33 238.45 275.32 312.98 351.51 54 205.99 242.57 279.85 317.89 356.78 55 209.61 246.63 ♦ 284.29 322.69 361.89 56 213.17 250.58 288.61 327.31 366.76 57 216.67 254.46 292.81 331.76 371.41 58 220.11 258.24 296.85 336.00 375.80 5» 223.47 261.89 300.72 340.02 379.89 60 226.72 265.39 304.38 343.75 383.64 61 229.86 268.73 307.80 347.18 387.00 75 AMER. EXP. TERMINAL RESERVES ; J^% 19 Payment Life Years A^e n 12 13 14 15 21 199.45 222.25 245.97 270.66 296.36 22 203.74 227.02 251.24 276.45 302.67 23 208.17 231.95 256.08 282.42 309.19 24 212.76 237.05 262.31 288.59 315.92 25 217.49 242.30 268.11 294.94 322.86 26 222.37 247.72 274.08 301.49 329.99 27 227.42 253.31 280.24 308.24 337.35 28 232.58 259.05 286.55 315.15 344.89 29 237.91 264.94 293.05 322.27 352.65 30 243.38 271.01 299.73 329.58 360.60 31 249.02 277.26 306.61 337.09 368.78 32 254.80 283.66 313.63 344.78 377.12 33 260.74 290.23 320.86 352.65 385.67 34 266.84 296.98 328.24 360.70 394.38 35 273.10 303.86 335.78 368.90 403.25 36 279.48 310.89 343.46 377.23 412.23 37 285.99 318.05 351.26 385.66 421.33 38 292.02 325.30 359.14 394.19 430.50 39 299.34 332.64 367.11 402.79 439.76 40 306.12 340.04 375.13 411.44 449.05 41 312.96 347.49 383.18 420.12 458.38 42 319.82 354.95 391.25 428.80 467.69 43 326.70 362.41 399.31 437.47 476.99 44 333.55 369.84 407.32 446.08 486.20 45 340.35 377.20 415.25 454.60 495.36 46 347.09 384.49 423.10 463.02 504.38 47 353.77 391.71 430.86 471.34 513.29 48 360.32 398.77 438.44 479.46 521.95 49 366.76 405.71 445.87 487.36 530.49 50 373.07 412.46 453.09 495.12 538.75 51 379.23 419.06 460.11 502.61 546.77 52 385.17 425.45 466.93 509.81 554.45 53 391.00 431.60 473.44 516.75 561.82 54 396.61 437.50 479.66 523.33 568.81 55 401.99 443.15 485.58 529.54 575.41 56 407.09 448.46 491.09 535.31 581.50 57 411.90 453.41 496.20 540.61 587.11 58 416.39 457.99 500.85 545.41 592.22 59 420.52 462.11 505.01 549.71 596.85 60 424.21 465.75 508.67 553.51 601.01 61 427.47 468.93 511.87 556.89 604.75 76 AMER. EXP. TERMINAL RESERVES 35^% 19 Payment Life Years A^e 16 17 18 19 21 323.09 350.93 379.89 410.03 22 329.97 358.37 387.93 418.69 23 337.05 366.04 396.21 427.62 24 344.37 373.96 404.76 436.81 25 351.89 382.11 413.55 446.28 26 359.65 390.50 422.61 456.00 27 367.60 399.11 431.88 466.00 28 375.82 407.96 441.43 476.26 29 384.23 417.08 451.24 486.77 30 392.85 426.38 461.25 497.52 31 401.71 435.93 471.51 508.49 32 410.73 445.65 481.94 519.67 33 419.95 455.57 492.57 531.04 34 429.35 465.65 503.37 542.58 35 438.89 475.89 514.33 554.30 36 448.55 486.25 525.41 566.15 37 458.32 496.72 536.62 578.13 38 468.17 507.26 547.91 590.22 39 478.09 517.90 559.28 602.39 40 488.06 528.57 570.71 614.63 41 498.05 539.26 582.17 626.92 42 508.03 549.96 593.64 639.24 43 518.00 560.64 605.09 651.55 44 527.87 571.26 616.46 663.83 45 537.68 581.75 627.78 676.07 46 547.35 592.13 638.99 688.24 47 556.90 602.37 650.07 700.30 48 566.23 612.46 660.97 712.23 49 575.34 622.31 671.68 724.01 50 584.23 631.90 682.18 735.60 51 592.82 641.20 692.38 746.98 52 601.08 650.22 702.29 758.13 53 609.02 658.83 711.89 769.04 54 616.54 667.07 721.13 779.72 55 623.61 674.88 730.03 790.18 56 630.24 682.28 738.58 800.48 57 636.36 689.24 746.85 810.62 58 642.03 695.81 754.79 820.64 59 647.26 702.02 762.46 830.54 60 652.05 707.77 769.83 840.32 61 656.43 713.21 776.88 849.97 77 AMER. EXP. TERMINAL RESERVES ; J5^% 14 Payment Life Years A^e 1 2 3 4 5 21 20.10 41.02 62.79 85.45 109.05 22 20.50 41.84 64.05 87.17 111.24 23 20.92 42.70 65.37 88.96 113.52 24 21.36 43.59 66.72 90.80 115.87 25 21.81 44.51 68.13 92.71 118.30 26 22 30 45.45 69.58 94.68 120.81 27 22.75 46.44 71.07 96.71 123.40 28 23.26 47.45 72.62 98.82 126.08 29 23.76 48.49 74.22 100.99 128.84 30 24.30 49.57 75.87 103.22 131.69 31 24.85 50.69 77.57 105.53 134.62 32 25.41 51.83 79.31 107.91 137.65 33 25.99 53.01 81.12 110.35 140.76 34 26.59 54.24 82.98 112.88 143.96 35 27.21 55.50 84.91 115.47 147.25 36 27.84 56.78 86.86 118.12 150.61 37 28.50 58.11 88.88 120.85 154.09 38 29.16 59.46 90.94 123.65 157.63 39 29.86 60.86 93.07 126.52 161.28 40 30.56 62.29 95.25 129.48 165.02 41 31.29 63.77 97.49 132.50 168.84 42 32.03 65.28 99.78 135.58 172.72 43 32.81 66.83 102.12 138.72 176.67 44 33.58 68.41 104.49 141.91 180.67 45 34.38 70.00 106.89 145.10 184.66 46 35.18 71.61 109.31 148.31 188.65 47 36.00 73.23 111.72 151.50 192.63 48 36.81 74.83 114.10 154.66 196.56 49 37.60 76.40 116.45 157.78 200.46 50 38.39 77.96 118.77 160.86 204.29 51 39.17 79.51 121.08 163.91 208.08 52 39.94 81.04 123.34 166.90 211.78 53 40.70 82.54 125.56 169.82 215.40 54 41.45 84.01 127.73 172.67 218.93 55 42.19 85.45 129.85 175.46 222.35 56 42.90 86.85 131.91 178.14 225.64 57 43.60 88.22 133.91 180.73 228.79 58 44.29 89.55 135.83 183.21 231.79 59 44.95 90.82 137.65 185.54 234.62 60 45.59 92.03 139.39 187.76 237.28 61 46.20 93.18 141.03 189.84 239.72 78 AMER. EXP. TERMINAL RESERVES ' y/:i% 14 Payment Life Years A^e 6 7 8 9 10 21 133.62 159.20 185.84 213.58 242.47 22 136.30 162.40 189.56 217.85 247.32 23 139.09 165.71 193.43 222.29 252.35 24 141.97 169.13 197.42 226.87 257.53 25 144.94 172.67 201.54 231.60 262.89 26 148.00 176.32 205.78 236.46 268.42 27 151.18 180.09 210.18 241.51 274.13 28 154.45 183.97 214.71 246.71 280.02 29 157.82 187.99 219.38 252.06 286.08 30 161.31 192.13 224.20 257.58 292.33 31 164.89 196.38 229.15 263.25 298.74 82 168.59 200.77 234.25 269.09 305.36 33 172.38 205.27 239.49 275.09 312.14 34 176.28 209.90 244.87 281.25 319.12 35 180.30 214.66 250.40 287.59 326.28 36 184.40 219.53 256.07 294.06 333.59 37 188.63 224.55 261.89 300.72 341.10 38 192.96 229.67 267.83 307.49 348.73 39 197.39 234.92 273.90 314.41 356.52 40 201.93 240.27 280.09 321.45 364.42 41 206.56 245.72 286.38 328.59 372.42 42 211.26 251.24 292.73 335.78 380.48 43 216.02 256.83 299.13 343.03 388.61 44 220.80 262.44 305.58 350.28 396.78 45 225.62 268.03 311.99 357.58 404.91 46 230.40 273.63 318.40 364.83 413.04 47 235.17 279.19 324.78 372.05 421.13 48 239.88 284.69 331.09 379.20 429.14 49 244.54 290.14 337.33 386.26 437.08 50 249.14 295.49 343.46 393.20 444.88 51 253.65 300.75 349.50 400.04 452.57 52 258.08 305.91 355.39 406.71 460.04 53 262.39 310.92 361.12 413.18 467.35 54. 266.59 315.78 366.66 419.45 474.42 55 270.63 320.45 371.99 425.49 481.22 56 274.52 324.93 377.10 431.26 487.72 57 278.22 329.20 381.94 436.71 493.88 58 281.74 333.23 386.48 441.82 499.66 59 285.03 336.96 390.68 446.54 504.99 60 288.08 340.40 394.53 450.85 509.87 61 290.86 343.50 397.96 454.68 514.22 79 AMER. EXP. TERMINAL RESERVES 3y:t% 14 Payment Life Years Aie 11 12 13 14 21 272.56 303.90 336.54 370.55 22 278.00 309.96 343.25 377.95 23 283.65 316.25 350.22 385.60 24 289.47 322.74 357.39 393.49 25 295.49 329.44 364.80 401.63 26 301.69 336.34 372.43 410.03 27 308.10 343.47 380.32 418.69 28 314.70 350.82 388.43 427.62 29 321.50 358.38 396.79 436.81 30 328.50 366.17 405.41 446.28 31 335.70 374.17 414.25 456.00 32 343.11 382.42 423.36 466.00 33 350.72 390.88 432.70 476.26 34 358.53 399.56 442.27 486.77 35 366.54 408.45 452.08 497.52 36 374.71 417.52 462.08 508.49 37 383.10 426.81 472.31 519.67 38 391.62 436.24 482.67 531.04 39 400.30 445.82 493.22 542.58 40 409.08 455.54 503.90 554.30 41 417.98 465.37 514.71 566.15 42 426.94 475.27 525.61 578.13 43 435.97 485.25 536.61 590.22 44 445.02 495.27 547.66 602.39 45 454.11 505.33 558.76 614.63 46 463.16 515.36 569.87 626.92 47 472.17 525.38 580.98 639.24 48 481.12 535.34 592.04 651.55 49 489.99 545.22 603.05 663.83 50 498.72 554.96 613.94 676.07 51 507.32 564.58 624.75 688.24 52 515.70 574.01 635.37 700.30 53 523.92 583.27 645.84 712.23 54 531.89 592.27 656.08 724.01 55 539.56 600.98 666.07 735.60 56 546.92 609.38 675.78 746.98 57 553.91 617.41 685.16 758.13 58 560.50 625.05 694.18 769.04 59 566.63 632.22 702.80 779.72 60 572.27 638.93 711.06 790.18 61 577.37 645.16 718.95 800.48 80 AMER. EXP. TERMINAL RESERVES 1 4 y/M 9 Payment Life Years A^e 1 2 3 4 S 21 31.59 64.50 98.79 134.51 171.74 22 32.18 65.70 100.62 137.01 174.93 23 32.78 66.94 102.52 139.59 178.22 24 33.41 68.22 104.49 142.27 181.64 25 34.07 69.55 106.52 145.04 185.17 26 34.74 70.92 108.62 147.89 188.82 27 35.43 72.34 110.79 150.84 192.59 28 36.15 73.81 113.03 153.90 196.49 29 36.89 75.31 115.35 157.05 200.50 30 37.66 70.88 117.74 160.31 204.66 31 38.45 78.50 120.21 163.66 208.95 32 39.27 80.15 122.75 167.13 213.36 33 40.10 81.87 125.38 170.70 217.92 34 40.97 83.64 128.08 174.38 222.61 35 41.87 85.46 130.87 178.16 227.43 36 42.78 87.33 133.72 182.04 232.38 37 43.73 89.26 136.67 186.04 237.48 38 44.69 91.22 139.67 190.13 242.70 39 45.69 93.25 142.77 194.35 248.08 40 46.70 95.32 145.94 198.66 253.57 41 47.75 97.46 149.20 203.08 259.20 42 48.83 99.64 152.53 207.60 264.94 43 49.93 101.87 155.93 212.20 270.79 44 51.04 104.14 159.38 216.87 276.73 45 52.18 106.44 162.88 221.61 282.73 46 53.32 108.76 166.41 226.36 288.75 47 54.49 111.11 169.96 231.14 294.82 48 55.65 113.44 173.49 235.91 300.88 49 56.80 115.76 177.00 240.67 306.93 50 57.93 118.05 180.49 245.40 312.95 51 59.06 120.34 183.97 250.10 318.95 52 60.18 122.59 187.39 254.75 324.88 53 61.28 124.81 190.76 259.32 330.73 54 62.35 126.98 194.06 263.81 336.48 55 63.40 129.10 197.28 268.20 342.12 56 64.41 131.14 200.41 272.46 347.59 57 65.39 133.13 203.43 276.58 352.90 58 66.34 135.03 206.32 280.51 357.98 59 67.22 136.82 209.04 284.24 362.85 60 68.06 138.49 211.60 287.76 367.45 61 68.82 140.04 213.98 291.05 371.74 81 AMER. EXP. TERMINAL RESERVES 35^% 9 Payment Life Years A^e 6 7 8 9 21 210.53 250.96 293.10 337.02 22 214.44 255.62 298.54 343.28 23 218.48 260.44 304.17 349.76 24 222.67 265.43 310.00 356-46 25 227.00 270.59 316.03 363.39 26 231.47 275.92 322.25 370.55 27 236.09 281.42 328.68 377.95 28 240.87 287.12 335.34 385.60 29 245.78 292.99 342.19 393.49 30 250.88 299.06 349.28 401.63 31 256.13 305.31 356.58 410.03 32 261.54 311.76 364.11 418.69 33 267.12 318.41 371.87 427.62 34 272.87 325.25 379.86 436.81 35 278.77 332.28 388.08 446.28 36 284.84 339.52 396.53 456.00 37 291.08 346.96 405.23 466.00 38 297.49 354.59 414.14 476.26 39 304.06 362.43 423.28 486.77 40 310.79 370.43 432.62 497.52 41 317.67 378.61 442.17 508.49 42 324.69 386.96 451.90 519.67 43 331.83 395.44 461.78 531.04 44 339.06 404.03 471.81 542.58 45 346.38 412.73 481.96 554.30 46 353.73 421.48 492.21 566.15 47 361.14 430.31 502.54 578.13 48 368.56 439.16 512.95 590.22 49 375.97 448.04 523.40 602.39 50 383.37 456.91 533.87 614.63 51 390.75 465.77 544.37 626.92 52 398.05 474.57 554.82 639.24 53 405.27 483.30 565.22 651.55 54 412.40 491.94 575.56 663.83 55 419.39 500.44 585.78 676.07 56 426.20 508.76 595.87 688.24 57 432.83 516.92 605.81 700.30 58 439.23 524.83 615.52 712.23 59 445.38 532.49 625.02 724.01 60 451.22 539.83 634.23 735.60 61 456.72 546.83 643.12 746.98 82 AMER. EXP. TERMINAL RESERVES ^ iV:t% 19 Year Endowment Ye ars Aie 1 2 3 4 5 21 35.23 71.93 110.18 150.04 191.58 22 35.22 71.92 110.17 150.02 191.55 23 35.22 71.92 110.16 150.00 191.53 24 35.22 71.92 110.15 149.99 191.51 25 35.22 71.92 110.14 149.98 191.49 26 35.22 71.92 110.14 149.97 191.48 27 . 35.22 71.92 110.14 149.97 191.47 28 35.22 71.92 110.14 149.97 191.46 29 35.23 71.93 110.15 149.97 191.45 30 35.24 71.94 110.16 149.98 191.46 31 35.25 71.96 110.18 150.00 191.47 32 35.26 71.98 110.20 150.02 191.49 33 35.27 72.01 110.24 150.06 191.52 34 35.29 72.05 110.29 150.11 191.56 35 35.32 72.09 110.35 150.17 191.62 36 35.35 72.14 110.42 150.25 191.70 37 35.39 72.20 110.51 150.35 191.81 38 35.43 72.28 110.62 150.48 191.95 39 35.48 72.38 110.75 150.64 192.13 40 35.54 72.50 110.91 150.85 192.35 41 35.62 72.64 111.11 151.09 192.62 42 35.72 72.81 111.35 151.38 192.94 43 35.83 73.01 111.63 151.70 193.29 44 35.95 73.24 111.94 152.04 193.66 45 36.08 73.49 112.27 152.43 194.05 46 36.23 73.75 112.62 152.82 194.44 47 36.39 74.02 112.98 153.21 194.82 48 36.56 74.30 113.34 153.60 195.20 49 36.73 74.59 113.71 154.00 195.59 50 36.91 74.90 114.09 154.41 196.00 51 37.10 75.23 114.49 154.86 196.44 52 37.29 75.58 114.92 155.35 196.91 53 37.50 75.95 115.39 155.87 197.42 54 37.73 76.35 115.91 156.44 197.98 55 37.98 76.79 116.48 157.07 198.60 56 38.25 77.27 117.10 157.75 199.28 57 38.55 77.80 117.78 158.51 200.02 58 38.88 78.38 118.52 159.32 200.82 59 39.23 79.00 119.31 160.18 201.68 60 39.60 79.65 120.15 161.11 202.59 61 40.00 80.34 121.05 162.11 203.54 83 AMER. EXP. TERMINAL RESERVES ^ J^% 19 Year Endowment Years A^e 6 ' 7 8 9 10 21 234.87 280.00 327.05 376.09 427.24 22 234.84 279.95 327.00 376.03 427.17 23 234.81 279.91 326.95 375.97 427.10 24 234.78 279.87 326.90 375.91 427.03 25 234.75 279.84 326.85 375.85 426.96 26 234.73 279.81 326.80 375.79 426.89 27 234.71 279.78 326.75 375.73 426.81 28 234.69 279.75 326.71 375.68 426.73 29 234.68 279.73 326.68 375.63 426.65 30 234.68 279.71 326.65 375.58 426.58 31 234.68 279.70 326.62 375.53 426.51 32 234.69 279.70 326.60 375.49 426.45 33 234.71 279.71 326.59 375.46 426.40 34 234.75 279.73 326.60 375.44 426.36 35 234.81 279.77 326.62 375.45 426.34 36 234.89 279.84 326.67 375.47 426.34 37 235.00 279.94 326.75 375.52 426.35 38 235.14 280.08 326.87 375.60 426.38 39 235.32 280.26 327.02 375.71 426.43 40 235.54 280.48 327.20 375.84 426.46 41 235.81 280.73 327.41 375.98 426.50 42 236.12 281.01 327.64 376.11 426.55 43 236.46 281.31 327.86 376.24 426.55 44 236.82 281.61 328.07 376.35 426.52 45 237.19 281.90 328.27 376.43 426.46 46 237.52 282.17 328.45 376.47 426.36 47 237.89 282.43 328.60 376.48 426.21 48 238.22 282.68 328.73 376.46 426.00 49 238.56 282.93 328.84 376.41 425.74 50 238.91 283.18 328.94 376.34 425.44 51 239.28 283.44 329.05 376.25 425.12 52 239.68 283.72 329.17 376.11 424.77 53 240.12 284.03 329.30 376.01 424.39 54 240.60 284.38 329.44 375.92 423.98 55 241.13 284.77 329.61 375.81 423.54 56 241.72 285.20 329.81 375.71 423.07 57 242.38 285.67 330.03 375.59 422.55 58 243.08 286.17 330.26 375.44 421.96 59 243.82 286.70 330.47 375.23 421.27 60 244.60 287.24 330.65 374.94 420.40 61 245.41 ., 287.78 330.78 374.55 419.41 84 AMER. EXP. TERMINAL RESERVES 3J^% 19 Year Endowment ^ Years A^e 11 12 13 14 21 480.57 536.21 594.26 654.81 22 480.49 536.12 594.16 654.71 23 480.41 536.03 594.06 654.61 24 480.33 535.94 593.96 654.51 25 480.25 535.85 593.86 654.40 26 480.16 535.75 593.75 654.28 27 480.07 535.65 593.63 654.15 28 479.98 535.54 593.50 654.01 29 479.89 535.42 593.37 653.87 30 479.80 535.30 593.24 653.72 31 479.70 535.18 593.10 653.56 32 479.60 535.06 592.96 653.40 33 479.52 534.95 592.83 653.24 34 479.45 534.84 592.69 653.05 35 479.39 534.73 592.55 652.87 36 479.34 534.63 592.40 652.67 37 479.30 534.53 592.24 652.45 38 479.27 534.43 592.03 652.21 39 479.24 534.31 591.82 651.93 40 479.20 534.18 591.58 651.60 41 479.14 534.02 591.31 651.21 42 479.05 533.81 590.98 650.77 43 478.93 533.55 590.59 650.27 44 478.77 533.23 590.13 649.69 45 478.56 532.85 589.62 649.02 46 478.29 532.41 589.00 648.26 47 477.95 531.88 588.29 647.40 48 477.54 531.27 587.48 646.43 49 477.06 530.58 586.57 645.34 60 476.53 529.80 585.56 644.12 51 475.95 528.94 584.45 642.78 52 475.31 528.01 583.23 641.31 53 474.62 527.00 581.89 639.70 54 473.87 525.90 580.43 637.93 55 473.06 524.69 578.82 635.97 56 472.17 523.36 577.05 633.85 57 471.19 521.89 575.09 631.42 58 470.09 520.24 572.88 628.75 59 468.83 518.36 570.38 625.75 60 467.34 516.21 567.62 622.45 61 465.67 513.83 564.63 618.94 85 AMER. EXP. TERMINAL RESERVES 3'^"^ 19 Year Endowment L Years A^e 15 16 17 18 21 718.01 783.99 852.87 924.83 22 717.91 783.90 852.80 924.79 23 717.81 783.81 852.73 924.75 24 717.71 783.71 852.65 924.70 25 717.61 783.61 852.57 924.64 2G 717.48 783.49 852.47 924.57 27 717.35 783.36 852.36 924.50 28 717.21 783.23 852.25 924.43 29 717.06 783.09 852.14 924.35 30 716.90 782.94 852.01 924.26 31 716.73 782.77 851.86 924.19 32 716.57 782.59 851.70 924.09 33 716.36 782.41 851.53 923.96 34 716.18 782.21 851.34 923.85 35 715.95 781.99 851.13 923.72 36 715.72 781.74 850.90 923.57 37 715.45 781.45 850.64 923.40 38 715.15 781.12 850.35 923.18 39 714.81 780.75 850.02 922.96 40 714.43 780.33 849.65 922.71 41 713.99 779.86 849.23 922.45 42 713.49 779.33 848.76 922.13 43 712.88 778.73 848.20 921.78 44 712.24 778.05 847.59 921.38 45 711.47 777.28 846.90 920.93 46 710.61 776.41 846.13 920.43 47 709.64 775.43 845.29 919.84 48 708.56 774.33 844.29 919.23 49 707.35 773.10 843.20 918.51 50 705.99 771.73 842.00 917.71 51 704.49 770.22 840.65 916.83 52 702.87 768.56 839.19 915.86 53 701.07 766.70 837.54 914.78 54 699.06 764.66 835.71 913.57 55 696.90 762.40 833.67 912.24 56 694.44 759.89 831.43 910.75 57 691.73 757.11 828.95 909.12 58 688.70 754.03 826.26 907.32 59 685.38 750.66 823.26 905.33 60 681.79 747.00 819.99 903.15 61 677.95 743.10 816.45 900.75 86 AMER. EXP. TERMINAL RESERVES - y/2% 14 Year Endowment Years A^e 1 2 3 4 5 21 53.60 109.48 107.73 228.48 291.78 22 53.59 109.46 107.70 228.44 291.73 23 53.58 109.44 107.07 228.39 291.68 24 53.57 109.42 167.64 228.34 291.63 25 53.56 109.40 167.61 228.29 291.57 26 53.55 109.38 167.58 228.24 291.51 27 53.54 109.36 167.54 228.19 291.44 28 53.53 109.34 167.50 228.14 291.37 29 53.52 109.31 167.46 228.09 291.30 30 53.51 109.28 167.42 228.03 291.23 31 53.50 109.25 167.38 227.97 291.10 32 53.49 109.22 167.34 227.91 291.08 33 53.48 109.19 167.30 227.85 291.00 34 53.47 109.16 167.26 227.79 290.91 35 53.40 109.13 167.21 227.72 290.81 36 53.45 109.11 167.16 227.65 290.71 37 53.44 109.09 167.11 227.58 290.61 38 53.43 109.07 167.06 227.51 290.51 39 53.42 109.05 167.02 227.44 290.41 40 53.41 109.03 166.99 227.38 290.32 41 53.41 109.03 166.97 227.34 290.25 42 53.42 109.04 166.96 227.30 290.17 43 53.44 109.05 166.96 227.20 290.08 44 53.45 109.07 166.96 227.21 289.97 45 53.47 109.09 166.95 227.17 289.84 46 53.49 109.11 166.93 227.05 289.07 47 53.52 109.12 166.89 226.93 289.44 48 53.53 109.10 166.82 226.77 289.15 49 53.53 109.00 166.70 226.56 288.80 50 53.51 109.00 166.54 226.29 288.38 51 53.49 108.92 166.35 225.97 287.90 52 53.47 108.82 166.13 225.61 287.36 53 53.44 108.70 165.91 225.21 286.76 54 53.40 108.56 165.64 224.77 286.10 55 53.35 108.41 165.32 224.28 285.38 56 53.30 108.26 165.01 223.74 284.59 57 53.25 108.10 164.67 223.15 283.73 58 53.20 107.93 164.30 222.51 282.79 59 53.14 107.74 163.90 221.82 281.77 60 53.08 107.53 163.47 221.09 280.07 61 53.01 107.30 163.01 220.31 279.48 87 AMER. EXP. TERMINAL RESERVES 35^% 14 Year Endowment Years Af^e 6 7 8 9 21 357.82 426.69 498.52 573.45 22 357.76 426.62 498.45 573.37 23 357.70 426.55 498.37 573.29 24 357.63 426.47 498.28 573.20 25 357.56 426.39 498.19 573.10 26 357.49 426.30 498.10 573.00 27 357.41 426.21 498.00 572.90 28 357.32 426.12 497.90 572.79 29 357.23 426.02 497.79 572.67 30 357.14 425.92 497.67 572.54 31 357.05 425.81 497.54 572.40 32 356.95 425.69 497.40 572.25 33 356.85 425.56 497.25 572.09 34 356.74 425.42 497.09 571.92 35 356.62 425.27 496.92 571.73 36 356.49 425.12 496.74 571.53 37 356.36 424.96 496.55 571.32 38 356.22 424.80 496.35 571.09 39 356.09 424.63 496.14 570.84 40 355.97 424.46 495.92 570.57 41 355.85 424.28 495.68 570.28 42 355.72 424.08 495.41 569.95 43 355.57 423.85 495.10 569.57 44 355.39 423.57 494.74 569.13 45 355.16 423.24 494.31 568.61 46 354.87 422.84 493.80 568.00 47 354.52 422.36 493.20 567.30 48 354.09 421.79 492.50 566.49 49 353.58 421.13 491.70 565.57 50 352.99 420.38 490.80 564.54 51 352.33 419.54 489.79 563.39 52 351.60 418.61 488.66 562.11 53 350.80 417.58 487.41 560.68 54 349.92 416.44 486.03 559.10 55 348.94 415.18 484.51 557.36 56 347.85 413.80 482.85 555.46 57 346.67 412.29 481.01 553.38 58 345.38 410.65 479.03 551.10 59 343.98 408.86 476.84 548.59 60 342.46 406.90 474.43 545.82 61 340.81 404.75 471.81 542.75 88 AMER. EXP. TERMINAL RESERVES 35^% 14 Year Endowment Years A^e 10 11 12 13 21 651.63 733.20 818.34 907.21 22 651.55 733.13 818.28 907.17 23 651.47 733.05 818.22 907.13 24 651.38 732.97 818.15 907.09 25 651.28 732.88 818.08 907.05 26 651.18 732.79 818.01 907.01 27 651.08 732.70 817.93 906.96 28 650.97 732.59 817.84 906.91 29 650.85 732.47 817.74 906.85 30 650.72 732.35 817.64 906.78 31 650.58 732.22 817.53 906.71 32 650.42 732.07 817.41 906.63 33 650.25 731.91 817.28 906.55 34 650.07 731.73 817.13 906.46 35 649.88 731.54 816.96 906.35 36 649.67 731.34 816.78 906.23 37 649.44 731.12 816.58 906.10 38 649.19 730.88 816.36 905.95 39 648.92 730.61 816.12 905.79 40 648.62 730.30 815.85 905.62 41 648.29 729.95 815.54 905.43 42 647.91 729.56 815.19 905.21 43 647.47 729.11 814.79 904.95 44 646.97 728.59 814.33 904.65 45 640.39 728.00 813.81 904.31 4G 645.72 727.33 813.23 903.93 47 644.96 726.57 812.58 903.51 48 644.09 725.71 811.84 903.04 49 643.10 724.74 811.00 902.48 50 641.99 723.66 810.06 901.88 51 640.76 722.45 808.99 901.20 52 639.39 721.09 807.82 900.45 53 637.87 719.58 800.52 899.63 54 636.19 717.91 805.08 898.69 55 634.33 716.07 803.50 897.65 56 632.28 714.04 801.72 896.50 57 630.02 711.80 799.75 895.23 58 627.53 709.32 797.57 893.82 59 624.79 700.57 795.16 892.25 60 621.77 703.52 792.46 890.47 61 618.44 700.14 789.48 888.55 8a AMER. EXP. TERMINAL RESERVES 3'/^% 9 Year Endowment Years A^e 1 2 3 4 21 93.33 190.64 292.12 397.97 22 93.31 190.61 292.08 397.92 23 93.29 190.58 292.04 397.87 24 93.27 190.55 292.00 397.82 25 93.25 190.52 291.95 397.76 2G 93.23 190.48 291.90 397.70 27 93.21 190.44 291.85 397.64 28 93.19 190.40 291.79 397.57 29 i)3.17 190.36 291.73 397.49 30 93.15 190.31 291.66 397.41 31 93.13 190.26 291.58 397.32 32 93.10 190.21 291.50 397.23 33 93.07 190.15 291.42 397.13 34 93.04 190.09 291.34 397.02 35 93.01 190.03 291.25 396.90 36 92.97 189.96 291.15 396.77 37 92.93 189.88 291.04 396.62 38 92.89 189.79 290.92 396.46 39 92.84 189.69 290.78 396.29 40 92.79 189.59 290.63 396.11 41 92.74 189.49 290.48 395.92 42 92.69 189.38 290.32 395.71 43 92.63 189.26 290.14 395.48 44 92.57 189.13 289.94 395.22 45 92.50 188.99 289.72 394.93 46 92.42 188.83 289.47 394.59 47 92.33 188.64 289.17 394.18 48 92.23 188.41 288.81 393.70 49 92.11 188.14 288.39 393.15 50 91.96 187.83 287.91 392.53 51 91.79 187.47 287.37 391.83 52 91.60 187.06 286.76 391.04 53 91.35 186.60 286.07 390.15 54 91.12 186.09 285.30 389.16 55 90.83 185.52 284.45 388.07 50 90.51 184.89 283.51 386.87 57 90.16 184.19 282.47 385.54 58 89.78 183.42 281.32 384.06 59 89.37 182.57 280.05 382.42 60 88.92 181.63 278.65 380.62 61 88.42 180.60 277.12 378.66 90 AMER. EXP. TERMINAL RESERVES 3^^% 9 Year Endowment Years Atfe 5 6 7 8 21 508.38 623.57 743.74 869.14 22 508.33 623.52 743.70 869.11 23 508.28 623.47 743.05 869.08 24 508.23 623.41 743.60 869.05 25 508.17 623.35 743.55 869.02 26 508.10 623.28 743.49 868.98 27 508.02 623.20 743.43 868.94 28 507.94 623.12 743.36 868.90 29 507.85 623.04 743.29 ^ 868.86 30 507.76 622.95 743.21 868.81 31 507.66 622.85 743.13 868.75 32 507.56 622.75 743.04 868.69 33 507.45 622.64 742.94 868.63 34 507.33 622.51 742.83 868.56 35 507.20 622.37 742.71 868.48 36 507.05 622.22 742.58 868.40 37 506.88 622.06 742.44 868.31 38 506.70 621.88 742.28 868.20 39 • 506.51 621.68 742.10 868.08 40 506.31 621.46 741.90 867.95 41 506.09 621.22 741.68 867.81 42 505.84 620.96 741.44 867.65 43 505.56 620.67 741.17 867.47 44 505.25 620.34 740.86 867.27 45 504.89 619.96 740.51 867.04 46 504.47 619.52 740.11 866.77 47 503.99 619.01 739.65 866.46 48 503.44 618.42 739.12 866.11 49 502.80 617.75 738.52 865.71 50 502.07 616.99 737.84 865.26 51 501.25 616.14 737.08 864.76 52 500.34 615.19 736.24 864.21 53 499.32 614.13 735.30 863.59 54 498.18 612.96 734.25 862.90 55 496.92 611.66 733.08 862.13 56 495.53 610.22 731.78 861.27 57 493.99 608.62 730.34 860.32 58 492.28 606.84 728.74 859.26 59 490.39 604.87 726.96 858.08 60 488.31 602.69 724.99 850.77 61 486.03 600.29 722.82 855.32 91 AMER. EXP. TERMINAL RESERVES - J/3^ 20 Year Mortuary Additions Years A^e 1 2 3 4 5 20 71.03 138.40 199.98 256.07 300.30 21 72.61 140.34 202.88 259.91 311.08 22 73.66 142.45 206.04 264.11 316.26 23 74.83 144.77 209.52 268.71 321.96 24 76.10 147.33 213.33 273.76 328.23 25 77.51 150.14 217.54 279.36 335.16 26 79.06 153.24 222.20 285.53 342.83 27 80.79 156.70 227.37 292.41 351.40 28 82.71 160.55 233.14 300.11 360.97 29 84.85 164.85 239.62 308.73 371.67 30 87.28 169.73 246.94 318.46 383.81 31 90.01 175.21 255.17 329.44 397.55 32 93.10 181.40 264.49 341.93 413.11 33 96.56 188.38 275.03 355.98 430.69 34 100.46 196.24 286.85 371.79 450.40 35 104.84 205.04 300.13 389.51 472.59 36 109.73 214.90 314.98 409.40 497.45 37 115.20 225.90 331.60 431.62 525.31 38 121.28 238.18 350.10 456.44 556.40 39 128.04 251.80 370.70 484.02 590.99 40 135.53 266.93 393.54 514.65 629.34 41 143.83 283.65 418.83 548.51 671.79 42 152.97 302.12 440.70 585.88 718.54 43 163.04 322.42 477.39 626.93 769.95 44 174.06 344.68 510.97 671.92 826.23 45 186.13 369.00 547.70 721.07 887.63 46 199.28 395.54 587.75 774.60 954.49 47 213.60 424.41 631.26 832.74 1027.16 48 229.12 455.66 678.38 895.76 1105.95 49 245.89 489.44 729.33 963.90 1191.19 50 263.94 525.83 784.23 1037.37 1283.09 51 283.32 564.90 843.18 1116.26 1381.89 52 304.01 606.62 906.14 1200.60 1487.50 53 325.95 650.86 972.96 1290.08 1599.64 54 349.04 697.44 1043.31 1384.39 1717.94 55 373.17 746.10 1116.85 1483.02 1841.67 56 398.24 796.71 1193.37 1585.67 1970.52 57 424.14 849.02 1272.47 1691.83 2103.84 58 450.85 902.95 1354.07 1801.41 2241.58 59 478.28 958.40 1438.02 1914.26 2383.64 60 506.39 1015.23 1524.13 2030.19 2529.73 92 AMER. EXP. TERMINAL RESERVES 3^96 20 Year Mortuary Additions Years Atfe 6 7 8 9 10 20 350.34 387.72 418.02 440.80 455.40 21 355.97 394.17 425.26 448.68 463.92 22 362.10 401.23 433.12 457.29 473.20 23 368.88 408.98 441.80 466.84 483.45 24 376.30 417.51 451.38 477.32 494.66 25 384.53 427.00 462.02 488.94 507.17 26 393.67 437.51 473.76 501.84 521.15 27 403.85 449.19 486.89 516.35 536.73 28 415.21 462.29 501.68 532.57 554.28 29 427.96 477.07 518.26 550.87 573.96 30 442.49 493.82 537.16 571.63 596.47 31 458.86 512.78 558.47 595.20 621.94 32 477.47 534.25 582.75 622.00 651.11 33 498.44 558.57 610.19 652.44 684.20 34 522.05 585.91 641.17 686.77 721.63 35 548.59 616.75 676.09 725.58 763.80 36 578.42 651.39 715.39 769.11 811.28 37 611.82 690.24 759.36 817.97 864.34 38 649.14 733.54 808.49 872.35 923.51 39 690.58 781.74 862.97 932.77 989.09 40 736-61 835.10 923.41 999.64 1061.48 41 787.42 894.10 990.09 1073.26 1141.13 42 843.46 959.06 1063.38 1154.12 1228.64 43 905.00 1030.29 1143.69 1242.78 1324.62 44 972.27 1108.10 1231.49 1339.72 1429.63 45 1045.63 1193.01 1327.30 1445.58 1544.29 46 1125.57 1285.58 1431.83 1561.07 1669.56 47 1212.48 1386.26 1545.53 1686.87 1806.00 48 1306.76 1495.50 1669.05 1823.52 1954.45 49 1408.78 1613.84 1802.85 1971.77 2115.73 50 1518.88 1741.56 1947.46 2132.20 2290.34 51 1637.24 1879.02 2103.29 2305.16 2478.83 52 1763.90 2026.29 2270.31 2490.70 2681.29 53 1898.53 2182.88 2448.04 2688.40 2897.20 54 2040.57 2348.20 2635.84 2897.50 3125.97 55 2189.23 2521.32 2832.68 3116.96 3366.28 56 2344.12 2701.86 3038.23 3346.32 3617.52 57 2504.52 2889.09 3251.57 3584.48 3878.83 58 2670.48 3082.97 3472.64 3831.73 4150.57 59 2841.81 3283.30 3701.52 4088.21 4432.97 60 3018.17 3489.95 3938.11 4353.89 4726.54 93 AMER. EXP. TERMINAL RESERVES ; }^% 20 Year Mortuary Additions Years A^e 11 12 13 14 15 20 461.48 458.29 445.14 421.21 385.76 21 470.44 467.53 454.41 430.36 394.65 22 480.20 477.54 464.54 440.48 404.22 23 490.94 488.65 475.90 451.60 414.92 24 502.77 500.99 488.32 463.92 426.54 25 516.08 514.70 502.27 477.57 439.67 26 530.79 530.00 517.66 492.85 454.18 27 547.32 547.04 535.02 509.94 470.70 28 565.80 566.29 554.51 529.40 489.44 29 586.71 587.97 576.71 551.50 510.91 30 610.56 612.94 602.25 577.13 535.67 31 637.76 641.38 631.50 606.33 564.16 32 668.87 674.07 664.99 640.04 596.81 33 704.30 711.15 703.21 678.24 634.02 34 744.23 753.14 746.22 721.39 675.85 35 789.41 800.39 794.78 769.94 722.62 36 840.02 853.48 849.16 824.02 774.63 37 896.72 912.77 909.63 884.08 832.39 38 959.77 978.47 976.56 950.54 896.33 39 1029.44 1050.97 1050.41 1023.89 966.92 40 1106.28 1130.96 1131.92 1104.91 1044.81 41 1190.84 1219.01 1221.69 1194.07 1130.70 42 1283.79 1315.87 1320.39 1292.28 1225.25 43 1385.79 1422.11 1428.85 1400.15 1329.33 44 1497.36 1538.50 1547.62 1518.50 1443.74 45 1619.36 1665.75 1677.70 1648.35 1569.25 46 1752.65 1805.02 1820.33 1790.78 1707.18 47 1898.06 1957.20 1976.24 1946.72 1858.36 48 2056.50 2123.09 2146.46 2117.18 2024.00 49 2228.73 2303.69 2331.99 2303.37 2205.48 50 2415.45 2499.71 2533.77 2506.42 2403.78 51 2617.24 2711.94 2752.78 2727.22 2619.60 52 2834.34 2940.77 2989.31 2965.87 2853.50 53 3066.28 3185.56 3242.46 3221.82 3104.77 54 3312.29 3445.29 3511.53 3494.22 3372.21 55 3570.79 3718.62 3794.98 3781.22 3654.31 56 3841.45 4005.17 4092.33 4082.83 3950.96 57 4123.35 4303.88 4402.98 4398.27 4262.08 58 4416.93 4615.86 4728.04 4729.71 4591.24 59 4723.05 4941.98 5069.54 5080.52 4943.21 60 5042.18 5283.79 5430.15 5454.63 5322.95 94 AMER. EXP. TERMINAL RESERVES 20 Year Mortuary Additions 3^% Years A^e 16 17 18 19 20 338.02 276.73 200.94 109.12 21 346.08 283.73 206.14 112.18 22 354.89 291.09 211.75 115.19 23 364.53 299.38 217.89 118.74 24 375.19 308.35 224.75 122.57 25 387.09 318.65 232.59 127.19 26 400.51 330.17 241.50 132.19 27 415.71 343.40 251.55 138.13 28 433.15 358.39 263.24 144.74 29 452.93 375.70 276.42 152.41 30 476.10 395.75 292.08 161.61 31 502.48 418.85 309.97 171.82 32 532.99 445.46 330.38 183.52 33 567.59 475.33 353.21 196.60 34 606.16 508.50 378.48 211.00 35 649.20 545.52 406.73 227.20 36 697.06 586.70 438.21 245.10 37 750.23 632.52 473.12 265.14 38 809.13 683.14 511.83 287.17 39 874.03 739.05 554.40 311.48 40 945.82 800.79 601.62 338.66 41 1024.88 868.99 653.96 368.67 42 1112.15 944.49 711.84 401.98 43 1208.45 1027.75 775.80 438.74 44 1314.25 1119.36 846.13 479.21 45 1430.49 1220.05 923.62 524.03 46 1558.40 1331.18 1009.61 574.07 47 1698.94 1453.76 1104.70 629.20 48 1853.43 1588.81 1209.39 690.22 49 2023.07 1737.16 1324.91 757.86 50 2208.55 1899.96 1452.07 832.22 51 2411.09 2078.23 1591.43 - 914.30 52 2631.10 2272.03 1743.53 1003.63 53 2867.48 2480.69 1906.81 1099.28 54 3119.50 2702.71 2080.49 1201.33 55 3385.09 2936.81 2264.19 1309.91 56 3664.80 3184.64 2460.38 1427.41 57 3959.96 3448.50 2671.67 1555.40 58 4275.34 3733.93 2903.45 1698.40 59 4616.77 4047.24 3162.02 1860.26 60 4989.84 4394.37 3451.97 2043.57 96 AMER. EXP. TERMINAL RESERVES 3^% 13 Year Mortuary Additions Years A^e 1 2 3 4 5 20 52.91 100.15 141.35 176.17 204.22 21 53.47 101.23 142.94 178.23 206.71 22 54.08 102.42 144.68 180.50 209.42 23 54.74 103.72 146.60 182.96 212.38 24 55.47 105.17 148.70 185.68 215.67 25 56.27 106.72 150.99 188.65 219.24 2G 57.14 108.44 153.52 191.92 223.20 27 58.09 110.33 156.27 195.50 227.54 28 59.15 112.39 159.31 199.46 232.33 29 60.29 114.65 162.65 203.80 237.55 30 61.57 117.18 166.37 208.62 243.39 31 62.99 119.98 170.47 213.96 249.92 32 64.57 123.08 175.06 219.98 257.20 33 66.33 126.57 180.23 226.71 265.40 34 68.31 130.51 186.04 234.31 274.59 35 70.57 134.97 192.66 242.93 285.12 36 73.11 140.03 200.12 252.73 297.05 37 76.00 145.75 208.63 263.88 310.72 38 79.26 152.24 218.25 276.54 326.22 39 82.93 159.54 229.11 290.83 343.76 40 87.06 167.77 241.36 306.96 363.50 41 91.70 177.01 255.12 * 325.05 385.71 42 96.88 187.35 270.50 345.31 410.47 43 102.67 198.86 287.65 367.82 438.06 44 109.07 211.65 306.64 392.80 468.58 45 116.19 225.79 327.68 420.43 502.25 46 124.03 241.43 350.90 450.82 539.28 47 132.69 258.64 376.40 484.22 580.00 48 142.19 277.52 404.38 520.87 624.70 49 152.59 298.17 435.01 561.01 673.68 50 163.96 320.76 468.52 604.94 727.26 51 176.39 345.46 505.16 652.98 785.94 52 189.93 372.39 545.11 705.40 849.96 53 204.66 401.67 588.61 762.48 919.77 54 220.65 433.48 635.85 824.56 995.78 55 237.95 467.90 687.03 891.89 1078.26 56 256.59 505.05 742.32 964.65 1167.49 57 276.61 544.96 801.74 1042.91 1263.55 58 297.95 587.51 865.14 1126.48 1366.24 59 320.51 632.53 932.25 1215.04 1475.23 60 344.21 679.84 1002.85 1308.29 1590.07 96 AMER. EXP. TERMINAL RESERVES yA% 15 Year Mortuary Additions Years Aiie 6 7 8 9 10 20 225.10 238.31 243.37 239.80 226.94 21 227.92 241.40 246.68 243.14 230.23 22 231.02 244.83 250.29 246.84 233.93 23 234.43 248.56 254.25 250.95 237.97 24 238.18 252.69 258.69 255.52 242.42 25 242.28 257.26 263.55 260.45 247.32 26 246.86 262.31 268.89 265.98 252.89 27 251.84 267.78 274.74 272.09 258.89 28 257.31 273.84 281.29 278.80 265.59 29 263.33 280.57 288.43 286.20 272.83 30 270.12 288.05 296.48 294.43 281.04 31 277.62 296.40 305.34 303.63 290.12 32 286.05 305.70 315.35 313.93 300.47 33 295.48 316.21 326.59 325.68 312.21 34 306.15 328.06 339.41 339.02 325.67 35 318.34 341.73 354.18 354.53 341.24 36 332.25 357.31 371.11 372.21 359.15 37 348.18 375.23 390.50 392.62 379.67 38 366.31 395.54 412.61 415.72 403.02 39 386.73 418.53 437.46 441.80 429.26 40 409.83 444.37 465.51 471.11 458.55 41 435.66 473.38 496.87 503.70 491.07 42 464.55 505.72 531.68 539.84 527.14 43 496.65 541.49 570.15 579.78 567.02 44 532.04 580.92 612.56 623.83 611.03 45 571.06 624.40 659.35 672.47 659.57 46 614.01 672.29 710.92 726.02 713.14 47 661.24 724.98 767.63 785.04 772.11 48 713.13 782.86 830.03 849.94 837.12 49 769.97 846.34 898.44 921.22 908.65 50 832.23 915.86 973.48 999.54 987.21 51 900.40 992.09 1055.92 1085.59 1073.69 52 974.89 1075.53 1146.15 1179.93 1168.57 53 1056.23 1166.66 1244.83 1283.19 1272.67 54 1144.83 1266.05 1352.59 1396.20 1386.92 55 1241.07 1374.13 1469.98 .1519.63 1511.94 56 1345.30 1491.38 1597.64 1654.08 1648.19 57 1457.68 1618.06 1735.76 1799.61 1796.06 58 1578.02 1753.87 1883.86 1955.97 1955.16 59 1705.83 1898.10 2041.40 2122.45 2124.49 60 1840.51 2050.30 2207.78 2298.25 2303.55 97 AMER. EXP. TERMINAL RESERVES 35^% 15 Year Mortuary Additions Years A^e 11 12 13 14 20 204.22 171.01 126.49 69.77 21 207.35 173.71 128.48 70.86 22 210.80 176.65 130.73 72.26 23 214.53 179.91 133.36 73.71 24 218.73 183.71 136.26 75.49 25 223.44 187.79 139.49 77.25 26 228.65 192.43 143.01 79.37 27 234.36 197.33 146.84 81.47 28 240.58 202.83 151.01 83.94 29 247.44 208.75 155.05 86.58 30 255.12 215.59 160.98 89.80 31 263.79 223.24 167.05 93.28 32 273.62 232.05 173.91 97.42 33 284.91 242.03 181.88 102.02 34 297.72 253.55 190.86 107.36 35 312.76 266.94 201.58 113.81 36 329.88 282.34 213.81 120.93 37 349.69 300.10 227.75 129.10 38 372.10 319.97 243.28 138.16 39 397.05 342.00 260.46 148.15 40 424.86 366.58 279.66 159.39 41 455.74 393.88 301.04 171.81 42 490.00 424.23 324.71 185.68 43 527.93 457.72 350.95 200.93 44 569.69 494.69 370.77 217.74 45 615.87 535.50 411.73 236.52 46 666.77 580.64 447.21 257.30 47 722.97 630.60 486.43 280.34 48 785.06 685.77 529.83 305.81 49 853.32 746.50 577.56 333.84 50 928.41 813.31 630.19 364.91 51 1011.15 887.16 688.69 399.67 52 1102.14 968.68 753.41 437.94 53 1202.30 1058.60 824.71 480.33 54 1312.46 1157.49 903.51 527.41 55 1433.03 1266.14 990.32 579.17 56 1564.87 1385.25 1085.53 636.35 57 1708.24 1514.81 1189.49 698.57 58 1862.46 1654.47 1301.18 765.24 59 2026.83 1802.92 1419.75 836.14 60 2200.36 1959.79 1545.44 911.86 98 AMER. EXP. TERMINAL RESERVES ' 4 y/i% 10 Year Mortuary Additions Years Aye 1 2 3 4 5 20 34.32 62.16 83.13 96.83 102.85 21 34.61 62.71 83.89 97.76 103.90 22 34.93 63.29 84.71 98.77 104.99 23 35.27 63.93 85.61 99.84 106.16 24 35.64 64.65 86.59 101.03 107.50 25 36.05 65.40 87.65 102.33 108.91 26 36.48 66.21 88.78 103.69 110.43 27 36.95 67.11 90.02 105.20 112.13 28 37.47 68.09 91.39 106.88 113.99 29 38.04 69.17 92.92 108.74 116.03 30 38.67 70.36 94.59 110.75 118.29 31 39.36 71.68 96.42 113.00 120.85 32 40.12 73.11 98.42 115.49 123.60 33 40.95 74.69 100.67 118.22 126.67 34 41.86 76.44 103.11 121.23 129.98 35 42.89 78.39 105.86 124.56 133.73 36 44.03 80.56 108.89 128.30 137.88 37 45.30 82.97 112.31 132.48 142.62 38 46.73 85.70 116.15 137.26 148.01 39 48.35 88.79 120.56 142.70 154.20 40 50.20 92.36 125.62 149.02 161.34 41 52.32 96.44 131.45 156.23 169.58 42 54.74 101.11 138.09 164.54 178.99 43 57.49 106.39 145.65 173.91 189.67 44 60.57 112.36 154.12 184.47 201.64 45 64.05 119.04 163.66 196.30 214.95 46 67.92 126.51 174.29 209.41 229.70 47 72.26 134.85 186.08 223.95 246.06 48 77.07 144.05 199.10 240.01 264.14 49 82.36 154.19 213.46 257.74 284.12 50 88.22 165.41 229.35 277.35 306.19 51 94.68 177.79 246.89 298.99 330.59 52 101.80 191.45 266.22 322.87 357.48 53 109.65 206.47 287.52 349.17 387.16 54 118.25 222.98 310.89 378.09 419.86 55 127.69 241.07 336.58 409.91 455.81 56 138.04 260.95 364.83 444.90 495.42 57 149.38 282.75 395.81 483.32 538.93 58 161.78 306.59 429.72 525.42 586.71 59 175.30 332.62 466.79 571.54 639.21 60 190.02 360.98 507.25 621.99 696.73 99 AMER. EXP. TERMINAL RESERVES 35^% 10 Year Mortuary Addit ions Years A^e 6 7 8 9 20 100.73 89.93 69.93 40.19 21 101.77 90.90 70.76 40.67 22 102.88 91.95 71.57 41.14 23 104.09 93.04 72.44 41.68 24 105.44 94.31 73.52 42.36 25 106.89 95.70 74.66 43.00 26 108.46 97.16 75.78 43.65 27 110.20 98.73 77.06 44.48 28 112.07 100.49 78.56 45.35 29 114.18 102.54 80.21 46.41 30 116.56 104.73 82.05 47.46 31 119.17 107.23 84.05 48.72 32 122.03 109.85 86.22 49.96 33 125.13 112.80 88.57 51.42 34 128.56 115.96 91.20 52.98 35 132.40 119.64 94.22 54.90 36 136.74 123.74 97.67 50.97 37 141.66 128.47 101.55 59.42 38 147.33 133.83 106.09 62.16 39 153.76 140.04 111.20 65.35 40 161.31 147.22 117.28 69.16 41 169.91 155.53 124.25 73.42 42 179.84 165.06 132.15 78.25 43 191.04 175.69 140.93 83.62 44 203.47 187.44 150.61 89.50 45 217.27 200.51 161.39 96.11 46 232.58 215.01 173.40 103.40 47 249.57 231.14 186.70 111.57 48 268.38 248.95 201.45 120.54 49 289.10 268.60 217.64 130.41 50 312.06 290.34 235.63 141.48 51 337.39 314.41 255.63 153.74 52 365.40 341.09 277.76 167.34 53 396.38 370.56 302.25 182.36 54 430.47 403.03 329.19 198.90 55 467.99 438.77 358.92 217.26 56 509.37 478.31 391.99 237.81 57 554.94 522.01 428.63 260.45 58 605.14 570.24 468.99 285.53 59 660.39 623.30 513.60 313.36 60 720.91 681.63 562.76 343.97 100 AMER. EXP. MEAN RESERVES ■ A, yA% Ordinary Life ^ ^ Years A^e 1 2 3 4 5 21 10.11 16.68 23.47 30.51 37.81 22 10.40 17.24 24.33 31.67 39.27 23 10.71 17.85 25.24 32.89 40.80 24 11.03 18.47 26.18 34.15 42.41 25 11.37 19.13 27.16 35.48 44.09 26 11.72 19.82 28.20 36.87 45.85 27 12.09 20.54 29.29 38.33 47.69 28 12.48 21.30 30.42 39.86 49.63 29 12.89 22.09 31.61 41.47 51.65 30 13.32 22.93 32.87 43.15 53.78 31 13.78 23.82 34.19 44.91 56.00 32 14.25 24.73 35.56 46.76 58.33 33 14.75 25.69 37.01 48.70 60.77 34 15.28 26.72 38.54 50.74 63.34 35 15.84 27.79 40.14 52.88 66.02 36 16.42 28.91 41.80 55.10 68.82 37 17.04 30.09 43.55 57.44 71.75 38 17.69 31.33 45.39 59.88 74.82 39 18.37 32.63 47.32 62.46 78.05 40 19.09 33.99 49.35 65.16 81.43 41 19.86 35.45 51.49 68.00 84.97 42 20.66 36.96 53.73 70.96 88.65 43 21.52 38.56 56.08 74.06 92.49 44 22.42 40.23 58.52 77.27 96.47 45 23.37 41.98 61.07 80.61 100.58 46 24.36 43.80 63.71 84.05 104.79 47 25.41 45.71 66.45 87.59 109.12 48 26.51 47.68 69.25 91.22 113.55 49 27.66 49.70 72.14 94.94 118.08 50 28.87 51.80 75.12 98.78 122.75 51 30.13 53.99 78.20 102.73 127.54 52 31.46 56.25 81.38 106.79 132.45 53 32.86 58.62 84.67 110.98 137.49 54 34.33 61.07 88.07 115.28 142.68 55 35.88 63.61 91.57 119.71 147.99 56 37.50 66.25 95.19 124.27 153.43 57 39.21 69.01 98.94 128.96 159.01 58 41.02 71.87 102.81 133.77 164.70 59 42.92 74.84 106.78 138.69 170.51 60 44.92 77.92 110.88 143.75 176.45 61 47.02 81.11 115.10 148.92 182.50 62 49.25 84.44 119.46 154.22 188.65 63 51.60 87.90 123.93 159.62 194.89 64 54.07 91.47 128.51 165.10 201.17 65 56.67 95.15 133.18 170.66 207.51 66 59.42 98.98 137.96 176.30 213.89 101 AMER. EXP. MEAN RESERVES 4 1 J 54% Ordinary Life Years A^e 6 7 8 9 10 21 45.36 53.17 61.26 69.63 78.30 22 47.13 55.28 63.71 72.43 81.45 23 49.00 57.49 66.26 75.35 84.75 24 50.95 59.79 68.94 78.41 88.20 25 52.99 62.21 71.75 81.60 91.79 2G 55.14 64.75 74.68 84.94 95.56 27 57.38 67.39 77.74 88.44 99.50 28 59.73 70.16 80.95 92.10 103.61 29 62.18 73.06 84.31 95.93 107.91 30 64.76 76.10 87.82 99.92 112.40 31 67.46 79.29 91.50 104.10 117.09 32 70.28 82.62 95.34 108.45 121.97 33 73.23 86.09 99.34 113.00 127.08 34 76.33 89.72 103.54 117.77 132.42 35 79.57 93.54 107.93 122.75 137.99 36 82.95 97.51 112.51 127.94 143.79 37 86.49 101.67 117.29 133.35 149.83 38 90.20 106.02 122.29 138.99 156.10 39 94.09 110.58 127.50 144.85 162.62 40 98.15 115.31 132.91 150.93 169.34 41 102.39 120.25 138.54 157.22 176.28 42 106.79 125.36 144.34 163.69 183.38 43 111.36 130.65 150,32 170.33 190.68 44 116.08 136.08 156.44 177.14 198.14 45 120.93 141.66 162.72 184.10 205.75 46 125.90 147.36 169.13 191.20 213.52 47 130.99 153.20 175.69 198.45 221.42 48 136.20 159.16 182.38 205.82 229.46 49 141.53 165.24 189.19 213.34 237.63 50 146.99 171.47 196.15 221.00 245.96 51 152.59 177.84 203.26 228.80 254.41 52 158.32 184.35 210.51 236.74 262.99 53 164.19 191.01 * 217.90 244.81 271.70 54 170.20 197.80 225.42 253.01 280.52 55 176.34 204.72 233.06 261.32 289.45 56 182.61 211.76 240.83 269.75 298.47 57 189.02 218.94 248.71 278.28 307.56 58 195.54 226.23 256.69 286.87 316.69 59 202.18 233.61 264.75 295.51 325.83 60 208.92 241.08 272.86 304.18 334.97 61 215.76 248.62 281.01 312.85 344.08 62 222.68 256.21 289.17 321.51 353.16 63 229.64 263.82 297.34 330.14 362.24 64 236.64 271.42 305.47 338.78 371.41 65 243.65 279.02 313.64 347.54 380.83 66 250.69 286.69 321.96 356.60 390.70 102 AMER. EXP. MEAN Ord RESERVES iinary Life ■ J^% Years A^e 11 12 13 14 15 21 87.27 96.54 106.13 116.04 126.29 22 90.79 100.44 110.41 120.73 131.39 23 94.47 104.51 114.90 125.03 136.71 24 98.31 108.77 119.58 130.73 142.25 25 102.33 113.21 124.45 136.05 148.02 26 106.53 117.80 129.55 141.60 154.03 27 110.91 122.70 134.86 147.39 100.31 28 115.49 127.75 140.39 153.42 106.84 29 120.27 133.02 146.17 159.71 173.05 30 125.27 138.53 152.19 106.26 180.73 31 130.48 144.27 158.47 173.09 188.11 32 135.91 150.25 165.01 180.18 195.75 33 141.58 156.49 171.82 187.55 203.09 34 147.49 102.99 178.90 195.21 211.91 35 153.60 109.75 186.25 203.14 220.39 36 160.07 176.76 193.85 211.31 229.11 37 166.73 184.03 201.71 219.73 238.08 38 173.03 191.54 209.80 228.38 247.27 39 180.77 199.27 218.11 237.20 256.70 40 188.11 207.22 220.64 240.35 260.32 41 195.67 215.38 235.38 255.65 276.15 42 203.40 • 223.72 244.30 265.12 286.15 43 211.33 232.25 253.41 274.78 296.31 44 219.42 240.94 262.67 284.57 300.02 45 227.66 • 249.78 272.08 294.52 317.07 40 236.05 258.77 281.03 304.63 327.04 47 244.58 267.90 291.32 314.80 338.31 48 253.25 277.15 301.12 325.11 349.07 49 202.04 286.53 311.03 335.49 359.89 50 270.98 296.03 321.05 346.00 370.82 51 280.04 305.64 331.17 356.57 381.79 52 289.21 315.36 341.38 367.22 392.80 53 298.51 325.18 351.06 377.89 403.81 54 307.90 335.08 362.00 388.60 414.81 55 317.38 345.03 372.35 399.29 425.77 56 326.91 355.01 382.70 409.93 436.64 57 330.49 365.00 393.03 420.53 447.44 58 346.07 374.96 403.30 431.03 458.17 59 355.64 384.88 413.50 441.50 468.93 60 365.17 394.73 423.66 451.99 479.81 61 374.65 404.57 433.87 402.64 490.90 62 384.12 414.46 444.25 473.57 502.51 63 393.68 424.56 454.96 484.95 514.58 64 403.40 435.00 406.13 490.88 527.25 65 413.61 445.95 477.91 509.46 540.61 66 424.34 457.57 490.40 522.81 554.64 103 AMER. EXP. MEAN RESERVES 4 3J4% Ordinary Life ^ ■^ Years A^e 16 17 18 19 20 21 136.88 147.81 159.10 170.74 182.74 22 142.39 153.75 165.46 177.54 190.00 23 148.14 159.94 172.10 184.63 197.55 24 154.13 166.37 179.00 192.01 205.40 25 160.36 173.08 186.18 199.68 213.56 2G 166.85 180.06 193.66 207.64 222.02 27 173.62 187.33 201.43 215.92 230.81 28 180.66 194.88 209.50 224.50 239.89 29 187.99 202.74 217.87 233.39 249.28 30 195.61 210.89 226.55 242.58 258.96 31 203.53 219.34 235.53 252.06 268.92 32 211.72 228.07 244.77 261.80 279.14 33 220.21 237.08 254.29 271.81 289.62 34 228.97 246.36 264.07 282.07 300.34 35 237.99 255.90 274.10 292.57 311.29 3G 247.24 265.66 284.35 303.29 322.45 37 256.73 275.66 294.83 314.23 333.82 38 266.45 285.88 305.53 325.37 345.37 39 276.39 296.30 316.41 336.69 357.09 40 286.52 306.92 327.48 348.17 368.97 41 296.85 317.72 338.72 359.82 380.98 42 307.34 328.67 350.10 371.59 393.10 43 317.99 339.77 361.62 383.48 405.31 44 328.78 350.99 373.23 395.44 417.58 45 339.69 362.32 384.93 407.47 429.90 4G 350.69 373.72 396.69 419.54 442.22 47 361.79 385.20 408.50 431.63 454.54 48 372.96 396.73 420.34 443.71 466.81 49 384.19 408.30 432.17 455.76 479.02 50 395.47 419.88 444.00 467.77 491.15 51 406.77 431.40 455.78 479.70 503.15 52 418.08 442.99 467.49 491.52 515.03 53 429.36 454.47 479.11 503.22 520.81 54 440.58 465.86 490.61 514.82 538.54 55 451.74 477.16 502.03 526.39 550.32 50 462.78 488.36 513.42 538.02 562.25 57 473.77 499.57 524.90 549.84 574.44 58 484.76 510.87 536.57 561.93 586.98 59 495.87 522.38 548.55 574.40 599.93 CO 507.20 534.23 560.93 587.30 613.33 61 518.91 546.52 573.79 000.71 627.16 62 531.10 559.33 587.20 614.59 641.39 63 543.85 572.74 601.12 628.91 656.19 64 557.23 586.69 615.53 643.84 671.81 65 571.21 601.18 630.59 659.66 688.59 66 585.81 616.41 646.65 676.74 706.62 104 AMER. EXP. MEAN RESERVES 1/1% 19 Payment Life Years Atfe 1 2 3 4 5 21 18.27 33.34 49.02 65.32 82.28 22 18.61 34.01 50.03 66.69 84.02 23 18.96 34.70 51.08 68.11 85.81 24 19.33 35.43 52.17 69.58 87.68 25 19.71 36.18 53.30 71.10 89.61 26 20.10 36.95 54.46 72.67 91.59 27 . 20.51 37.75 55.67 74.30 93.66 28 20.94 38.58 56.91 75.97 95.78 29 21.37 39.43 58.20 77.71 97.98 30 21.83 40.32 59.54 79.50 100.25 31 22.30 41.25 60.92 81.36 102.59 32 22.79 42.19 62.34 83.27 105.01 33 23.30 43.17 63.82 85.25 107.51 34 23.83 44.20 65.35 87.30 110.09 35 24.38 45.26 66.93 89.42 112.75 36 24.95 46.35 68.56 91.59 115.48 37 25.54 47.48 70.24 93.83 118.30 38 26.15 48.65 71.97 96.14 121.21 39 26.80 49.86 73.77 98.54 124.22 40 27.46 51.12 75.62 101.02 127.31 41 28.16 52.43 77.56 103.58 130.51 42 28.88 53.78 79.55 106.21 133.78 43 29.64 55.19 81.61 108.92 137.14 44 30.43 56.64 83.72 111.69 140.56 45 31.26 58.14 85.89 114.52 144.03 46 32.11 59.68 88.10 117.39 147.53 47 33.01 61.27 90.37 120.30 151.06 48 33.94 62.89 92.65 123.21 154.60 49 34.90 64.53 94.95 126.16 158.16 50 35.89 66.21 97.29 129.13 161.74 51 36.93 67.94 99.68 132.15 165.36 52 38.02 69.71 102.11 135.21 169.01 53 39.15 71.54 104.59 138.30 172.68 54 40.34 73.42 107.12 141.44 176.40 55 41.59 75.36 109.71 144.65 180.16 56 42.90 77.37 112.37 147.90 183.96 57 44.28 79.45 115.11 151.22 187.80 58 45.75 81.63 117.91 154.60 191.68 59 47.29 83.87 120.79 158.04 195.61 60 48.93 86.21 123.75 161.55 199.60 61 50.66 88.64 126.80 165.14 203.62 105 AMER. EXP. MEAN RESERVES 5^% 19 Payment Life Years A^e 6 7 8 9 10 21 99.92 118.27 137.36 157.22 177.87 22 102.04 120.78 140.28 160.56 181.66 23 104.23 123.38 143.30 164.02 185.57 24 106.50 126.08 146.43 167.61 189.62 25 108.85 128.86 149.67 171.30 193.80 26 111.27 131.73 153.00 175.12 198.11 27 113.79 134.71 156.46 179.07 202.58 28 116.37 137.77 160.01 183.13 207.10 29 119.04 140.93 163.68 187.32 211.89 30 121.80 144.19 167.46 191.64 216.75 31 124.65 147.57 171.37 196.09 221.77 32 127.59 151.03 175.38 200.66 226.91 33 130.62 154.01 179.51 205.37 232.21 34 133.74 158.29 183.77 210.22 237.67 35 136.96 162.08 188.15 215.20 243.27 36 140.27 165.98 192.66 220.32 249.02 37 143.68 170.00 197.29 225.58 254.91 38 147.19 174.13 202.04 230.96 260.92 39 150.82 178.38 206.92 236.47 267.06 40 154.55 182.74 211.91 242.09 273.30 41 158.37 187.20 217.00 247.80 279.62 42 162.29 191.75 222.17 253.58 286.00 43 166.29 196.37 227.40 259.41 292.43 44 170.34 201.04 232.67 265.27 298.87 45 174.43 205.73 237.96 271.14 305.31 46 178.54 210.44 243.25 277.00 311.73 47 182.68 215.18 248.56 282.88 318.15 48 186.82 219.90 253.84 288.70 324.50 49 190.98 224.62 259.11 294.49 330.81 50 195.14 229.34 264.36 300.25 337.06 51 199.33 234.07 269.60 305.98 343.25 52 203.53 238.79 274.82 311.66 349.36 53 207.75 243.51 280.01 317.27 355.37 54 211.99 248.24 285.17 322.83 361.29 55 216.26 252.97 290.31 328.34 367.13 56 220.54 257.67 295.39 333.76 372.84 57 224.84 262.38 300.45 339.10 378.40 58 229.17 267.09 305.46 344.34 383.82 59 233.52 271.77 310.40 349.46 389.04 60 237.88 276.42 315.24 354.42 394.05 61 242,24 281.02 319.99 359.21 398.81 106 AMER. EXP. MEAN RESERVES 19 Payment Life 4 1 yA% Years A^e 11 12 13 14 15 21 199.37 221.73 244.99 269.19 294.39 22 203.G1 226.44 250.19 274.90 300.62 23 207.99 231.30 255.56 280.79 307.05 24 212.52 236.34 261.11 286.88 313.69 25 217.20 241.53 266.84 293.16 320.53 26 222.03 246.89 272.74 299.62 327.58 27 -227.02 252.42 278.84 306.30 334.85 28 232.14 258.10 285.08 313.13 342.30 29 237.41 263.94 291.51 320.17 349.97 30 242.84 269.95 298.13 327.41 357.85 31 248.44 276.15 304.95 334.86 365.95 32 254.18 282.50 311.92 342.48 374.22 33 260.09 289.04 319.09 350.30 382.71 34 266.17 295.75 326.44 358.30 391.38 35 272.40 302.61 333.96 366.48 400.21 36 278.78 309.63 341.62 374.79 409.17 37 285.30 316.79 349.43 383.23 418.27 38 291.94 324.07 357.33 391.78 427.46 39 298.71 331.46 365.34 400.42 436.74 40 305.57 338.93 373.43 409.13 446.09 41 312.49 346.46 381.57 417.89 455.48 42 319.47 354.04 389.75 426.68 464.90 43 326.49 361.64 397.94 435.47 474.31 44 333.51 369.24 406.13 444.25 483.70 45 340.51 376.81 414.25 452.95 493.01 46 347.49 384.33 422.34 461.60 502.25 47 354.45 391.82 430.37 470.19 511.40 48 361.32 399.21 438.27 478.61 520.38 49 368.12 406.51 446.06 486.91 529.22 50 374.84 413.69 453.70 495.03 537.86 51 381.48 420.75 461.21 503.00 546.30 52 387.99 427.67 468.53 510.74 554.51 53 394.38 434.42 475.64 518.22 562.41 54 400.05 441.01 482.54 525.45 570.02 55 406.78 447.41 489.21 532.41 577.32 56 412.72 453.57 495.57 539.00 584.21 57 418.48 459.48 501.63 545.23 590.08 58 424.01 465.10 507.33 551.05 596.73 59 429.30 470.41 512.65 556.45 602.37 60 434.28 475.34 517.57 561.45 607.62 61 438.95 479.92 522.13 566.10 612.54 UNlVSKSIf* ; i^f . / 107 AMER. EXP. MEAN RESERVES 3^^% 19 Payment Life Years A^e 16 17 18 19 21 320.60 347.89 370.29 405.84 22 327.38 355.23 384.21 414.37 23 334.30 302.79 392.37 423.10 24 341.58 370.00 400.79 432.22 25 349.01 378.04 409.40 441.55 2G 356.66 380.91 418.39 451.15 27 364.55 395.45 427.59 401.02 28 372.64 404.19 437.01 471.15 29 380.95 413.17 440.08 481.52 30 389.48 422.38 450.57 492.14 31 398.26 431.83 400.73 503.01 32 407.20 441.40 477.07 514.08 33 416.36 451.31 487.02 525.35 34 425.70 401.34 498.35 530.81 35 435.20 471.52 509.24 548.45 30 444.84 481.84 520.28 500.23 37 454.60 492.29 531.44 572.15 38 464.45 502.83 542.70 584.18 39 474.40 513.47 554.00 590.31 40 484.40 524.10 505.48 008.51 41 494.45 534.89 570.95 020.78 42 504.51 545.05 588.45 033.09 43 514.58 550.41 599.95 045.41 44 524.01 507.12 011.42 057.71 45 534.55 577.75 022.79 009.90 4G 544.41 588.28 034.10 082.10 47 554.18 598.74 045.30 094.29 48 503.77 009.01 050.39 700.28 49 573.20 019.11 007.28 718.13 50 582.41 028.99 077.90 729.81 51 591.42 038.05 088.40 741.31 52 000.14 048.02 098.00 752.58 53 008.54 057.05 708.49 703.59 54 010.03 005.70 718.00 774.38 55 024.35 074.09 727.30 784.97 56 031.07 082.00 730.24 795.34 57 038.55 089.02 744.80 805.55 58 045.04 090.83 753.23 815.04 59 051.15 703.74 701.33 825.62 60 050.89 710.27 709.10 835.40 01 002.31 710.54 776.77 845.15 108 AMER. EXP. MEAN RESERVES 4 1 554% 14 Payment Life Years A^e 1 2 3 4 5 21 23.48 43.98 65.33 87.55 110.68 22 23.90 44.81 66.59 89.20 112.85 23 24.33 45.68 67.90 91.03 115.11 24 24.78 46.58 69.26 92.87 117.44 25 25.25 47.51 70.67 94.77 119.86 26 25.74 48.46 72.11 96.73 122.34 27 20.24 49.46 73.02 98.76 124.92 28 26.76 50.48 75.17 100.85 127.58 29 27.30 51.54 76.77 103.02 130.33 30 27.86 52.64 78.43 105.26 133.16 31 28.44 53.78 80.14 107.56 136.09 32 29.03 54.95 81.90 109.94 139.11 33 29.65 56.15 83.72 112.39 142.21 34 30.29 57.41 85.61 114.93 145.42 35 30.96 58.71 87.55 117.54 148.71 36 31.64 60.03 89.54 120.21 152.09 37 32.35 61.41 91.60 122.97 155.57 38 33.08 62.81 93.70 125.79 159.14 39 33.84 64.27 95.88 128.71 162.82 40 34.63 65.77 98.12 131.71 166.59 41 35.44 67.33 100.43 134.79 170.47 42 36.29 68.93 102.80 137.95 174.42 43 37.17 70.58 105.24 141.18 178.46 44 38.07 72.27 107.73 144.48 182.57 45 39.01 74.01 110.26 147.82 186.70 46 39.98 75.78 112.84 151.19 190.86 47 40.98 77.59 115.45 154.59 195.04 48 42.01 79.42 118.07 157.98 199.21 49 43.06 81.26 120.68 161.37 203.38 50 44.14 83.12 123.31 164.76 207.52 51 45.25 85.01 125.96 168.16 211.66 52 46.40 86.92 128.62 171.55 215.77 53 47.59 88.86 131.28 174.93 219.84 54 48.80 90.81 133.95 178.28 223.88 55 50.07 92.79 136.62 181.62 227.87 56 51.37 94.79 139.30 184.95 231.81 57 52.72 96.83 141.99 188.24 235.69 58 54.13 98.91 144.68 191.50 239.49 59 55.60 101.01 147.36 194.72 243.20 60 57.13 103.14 150.04 197.91 246.85 61 58.72 105.32 152.73 201.06 250.41 109 AMER. EXP. MEAN RESERVES 4 }^% 14 Payment Life Years A^e 6 7 8 9 10 21 134.76 159.84 185.95 213.14 241.45 22 137.42 163.00 189.63 217.35 246.23 23 140.18 166.27 193.44 221.73 251.19 24 143.03 169.66 197.38 226.25 256.31 25 145.97 173.15 201.45 230.92 261.59 26 149.00 176.76 205.65 235.72 267.04 27 152.15 180.50 210.00 240.71 272.68 28 155.40 184.34 214.48 245.84 278.50 29 158.74 188.32 219.10 251.14 284.49 30 162.20 192.43 223.87 256.60 290.67 31 165.77 196.65 228.78 262.21 297.01 32 169.44 201.00 233.84 268.00 303.55 33 173.23 205.48 239.04 273.95 310.27 34 177.12 210.09 244.38 280.06 317.18 35 181.12 214.83 249.88 286.35 324.28 36 185.23 219.68 255.52 292.78 331.54 37 189.46 224.69 261.32 299.40 339.01 38 193.80 229.81 267.25 306.16 346.61 39 198.25 235.07 273.32 313.07 354.38 40 202.82 240.45 279.52 320.12 362.29 41 207.50 245.94 285.85 327.28 370.30 42 212.26 251.52 292.26 334.52 378.40 43 217.11 257.19 298.74 341.84 386.58 44 222.03 262.91 305.29 349.23 394.83 45 226.96 268.64 311.83 356.60 403.06 46 231.91 274.40 318.40 364.00 411.32 47 236.88 280.16 324.96 371.39 419.57 48 241.83 285.89 331.50 378.75 427.77 49 246.76 291.60 337.99 386.05 435.93 50 251.66 297.26 344.42 393.28 443.99 51 256.54 302.87 350.79 400.44 451.97 52 261.36 308.42 357.08 407.48 459.81 53 266.13 313.89 363.25 414.38 467.50 54 270.84 319.26 369.30 421.14 475.01 55 275.46 324.52 375.20 427.71 482.33 56 280.00 329.64 380.93 434.09 489.41 57 284.43 334.63 386.49 440.24 496.21 58 288.75 339.47 391.84 446.14 502.73 59 292.95 344.12 396.94 451.73 508.89 60 297.01 348.57 401.80 457.02 514.69 61 300.91 352.81 406.36 461.95 520.08 110 AMER. EXP. MEAN RESERVES 3V2% 14 Payment Life Years A^e 11 12 13 14 21 270.94 301.65 333.65 366.97 22 276.31 307.63 340.25 374.25 23 281.87 313.82 347.10 381.78 24 287.61 320.21 354.17 389.55 25 293.54 326.81 361.47 397.56 26 299.65 333.61 368.98 405.83 27 305.98 340.65 376.76 414.37 28 312.49 347.89 384.76 423.16 29 319.20 355.35 393.00 432.22 30 326.13 363.05 401.50 441.55 31 333.23 370.95 410.23 451.14 32 340.56 379.09 419.22 461.01 33 348.09 387.45 428.45 471.14 34 355.82 396.04 437.91 481.52 35 363.76 404.85 447.61 492.15 36 371.87 413.83 457.51 503.00 37 380.20 423.06 467.66 514.09 38 388.68 432.43 477.96 525.36 39 397.32 441.97 488.43 536.81 40 406.10 451.66 499.07 548.45 41 415.00 461.47 509.84 560.23 42 423.98 471.38 520.71 572.14 43 433.05 481.38 531.70 584.18 44 442.19 491.46 542.78 596.32 45 451.32 501.53 553.86 608.51 46 460.48 511.64 565.00 . 620.78 47 469.63 521.75 576.16 633.09 48 478.74 531.83 587.29 645.40 49 487.79 541.86 598.39 657.70 50 496.75 551.78 609.40 669.95 51 505.61 561.62 620.34 682.16 52 514.31 571.29 631.12 694.27 53 522.87 580.83 641.79 706.27 54 531.23 590.16 652.25 718.12 55 539.37 599.24 662.50 729.81 56 547.24 608.07 672.50 741.3a 57 554.82 616.58 682.20 752.56 58 562.06 624.76 691.60 763.60 59 568.93 632.54 700.63 774.38 60 575.40 639.93 709.33 784.95 61 581.42 646.89 717.68 795.34 Ill AMER. EXP. MEAN RESERVES 3^^ 9 Payment Life Years A^e 1 2 3 4 5 21 34.73 66.98 100.58 135.59 172.06 22 35.33 68.18 102.40 138.06 175.21 23 35.95 69.41 104.28 140.61 178.46 24 36.59 70.70 106.24 143.26 181.84 25 37.25 72.03 108.26 146.00 185.33 26 37.94 73.40 110.34 148.83 188.93 27 38.65 74.82 112.50 151.75 192.65 28 39.39 76.29 114.73 154.78 196.51 29 40.15 77.80 iy.03 157.90 200.48 30 40.94 79.38 119.42 161.13 204.59 31 41.75 81.00 121.88 164.46 208.83 32 42.60 82.67 124.41 167.90 213.21 33 43.47 84.40 127.04 171.45 217.72 34 44.37 86.19 129.74 175.11 222.38 35 45.30 88.03 132.53 178.88 227.16 36 46.26 89.93 135.40 182.75 232.08 37 47.26 91.89 138.35 186.74 237.15 38 48.28 93.89 141.38 190.83 242.35 39 49.34 95.96 144.50 195.05 247.70 40 50.42 98.08 147.70 199.37 253.19 41 51.55 100.28 151.00 203.82 258.82 42 52.71 102.53 154.38 208.36 264.57 43 53.91 104.84 157.85 213.01 270.44 44 55.14 107.21 161.38 217.74 276.42 45 56.41 109.63 164.98 222.56 282.49 46 57.71 112.09 168.63 227.43 288.61 47 59.05 114.60 172.34 232.35 294.78 48 60.42 117.14 176.06 237.29 300.99 49 61.81 119.69 179.79 242.24 307.21 50 63.23 122.25 183.53 247.20 313.43 51 64.67 124.84 187.29 252.18 319.67 52 66.15 127.44 191.05 257.13 325.87 53 67.65 130.05 194.79 262.05 332.03 54 69.18 132.67 198.52 266.93 338.15 55 70.73 135.28 202.22 271.77 344.19 56 72.31 137.88 205.88 276.54 350.13 57 73.92 140.48 209.50 281.23 355.96 58 75.56 143.07 213.06 285.80 361.64 59 77.23 145.63 216.54 290.26 367.16 60 78.92 148.17 219.94 294.58 372.50 61 80.65 150.67 223.25 298.75 377.63 112 AMER. EXP. MEAN RESERVES 3^% 9 Payment Life Years Atfe 6 7 8 9 21 210.07 249.68 290.97 334.00 22 213.92 254.27 296.32 340.15 23 217.91 259.01 301.86 346.52 24 222.04 263.93 307.60 353.11 25 226.30 269.01 313.53 359.93 26 230.71 274.26 319.65 366.97 27 235.27 279.69 325.98 374.25 28 239.99 285.30 332.54 381.78 29 . 244.85 .,291.09 339.29 389.54 30 249.88 297.08 346.28 397.56 31 255.07 303.25 353.47 405.83 32 260.41 309.61 360.90 414.36 33 265.94 316.18 368.56 423.16 34 271.62 322.94 376.44 432.22 35 277.47 329.89 384.55 441.55 36 283.48 337.05 392.90 451.14 37 289.67 344.42 401.49 461.01 38 296.02 351.97 410.30 471.13 39 302.56 359.74 419.35 481.52 40 309.25 367.68 428.59 492.14 41 316.11 375.82 438.07 503.00 42 323.11 384.12 447.73 514.08 43 330.26 392.58 457.56 525.36 44 337.52 401.17 467.54 536.81 45 344.87 409.87 477.67 548.45 46 352.29 418.65 487.89 560.23 47 359.78 427.53 498.23 572.14 48 367.31 436.45 508.65 584.18 49 374.86 445.42 519.13 596.31 50 382.42 454.40 529.65 608.51 51 389.99 463.40 540.21 620.78 52 397.52 472.36 550.75 633.09 53 405.01 481.30 561.27 645.40 54 412.44 490.17 571.75 657.69 55 419.79 498.94 582.14 669.96 56 427.00 507.59 592.42 682.16 57 434.09 516.10 602.59 694.28 58 441.00 524.42 612.57 706.27 59 447.73 532.55 622.37 718.13 60 454.23 540.42 631.92 729.81 61 460.47 548.01 641.21 741.29 113 AMER. EXP. MEAN RESERVES 4 1 y/z% 19 Year Endowment Years A^e 1 2 3 4 5 21 38.30 74.26 111.74 150.79 191.49 22 38.32 74.28 111.75 150.80 191.48 23 38.34 74.30 111.76 150.81 191.49 24 38.36 74.32 111.78 150.82 191.50 25 38.39 74.35 111.80 150.84 191.51 26 38.42 74.38 111.83 150.86 191.53 27 38.45 74.41 111.86 150.89 191.55 28 38.49 74.45 111.90 150.93 191.58 29 38.53 74.49 111.95 150.97 191.62 30 38.57 74.54 112.01 151.02 191.67 31 38.62 74.60 112.08 151.08 191.73 32 38.68 74.67 112.13 151.16 191.80 33 38.74 74.75 112.25 151.25 191.89 34 38.81 74.84 112.35 151.36 192.00 35 38.89 74.94 112.47 151.49 192.13 36 38.98 75.06 112.61 151.64 192.29 37 39.09 75.20 112.77 151.82 192.48 38 39.21 75.36 112.96 152.03 192.71 39 39.35 75.55 113.18 152.29 192.99 40 39.51 75.77 113.45 152.60 193.32 41 39.69 76.02 113.77 152.97 193.71 42 39.89 76.30 114.14 153.40 194.19 43 40.12 76.62 114.55 153.88 194.70 44 40.38 76.99 115.00 154.41 195.26 45 40.67 77.41 115.50 154.98 195.87 46 40.99 77.88 116.05 155.59 196.51 47 41.35 78.39 116.67 156.27 197.18 48 41.75 78.93 117.29 156.94 197.88 49 42.19 79.51 117.98 157.69 198.64 50 42.68 80.14 118.72 158.49 199.45 51 43.22 80.83 119.53 159.36 200.33 52 43.81 81.59 120.41 160.31 201.30 53 44.47 82.43 121.38 161.35 202.36 54 45.19 83.35 122.45 162.49 203.53 55 45.99 84.36 123.62 163.75 204.82 56 46.84 85.48 124.91 165.14 206.24 57 47.81 86.71 126.33 166.67 207.80 58 48.90 88.06 127.88 168.34 209.50 59 50.04 89.53 129.57 170.16 211.35 60 51.32 91.13 131.41 172.14 213.36 61 52.74 92.88 133.41 174.29 215.54 114 AMER. EXP. MEAN RESERVES ■ y/2% 19 Year Endowment Years Aie 6 7 8 9 10 21 233.90 278.11 324.20 372.25 422.35 22 233.89 278.10 324.17 372.21 422.30 23 233.89 278.09 324.15 372.18 422.26 24 233.89 278.08 324.13 372.15 422.22 25 233.90 278.08 324.12 372.12 422.18 26 233.91 278.08 324.11 372.10 422.14 27 233.92 278.08 324.10 372.08 422.11 28 233.94 278.09 324.10 372.07 422.08 29 233.97 278.11 324.11 372.06 422.06 30 234.01 278.14 324.13 372.06 422.04 31 234.06 278.18 324.16 372.07 422.02 32 234.13 278.23 324.20 372.09 422.02 33 234.22 278.30 324.26 372.12 422.03 34 234.33 278.39 324.34 372.17 422.06 35 234.46 278.51 324.44 372.25 422.11 36 234.62 278.66 324.58 372,37 422.19 37 234.80 278.86 324.76 372.53 422.30 38 235.04 279.11 324.98 372.73 422.45 39 235.33 279.40 325.25 372.97 422.63 40 235.68 279.74 325.57 373.25 422.83 41 236.09 280.14 325.94 373.56 423.05 42 236.56 280.59 326.35 373.90 423.29 43 237.08 281.09 326.79 374.26 423.54 44 237.65 281.62 327.25 374.61 423.78 45 238.25 282.15 327.72 374.96 424.02 46 238.86 282.73 328.20 375.32 424.25 47 239.52 283.34 328.69 375.69 424.47 48 240.18 283.93 329.20 376.07 424.68 49 240.91 284.58 329.73 376.47 424.89 50 241.68 285.28 330.29 376.88 425.09 51 242.51 286.03 330.90 377.31 425.32 52 243.46 286.86 331.61 377.79 425.58 53 244.45 287.78 332.34 378.34 425.88 54 245.58 288.80 333.19 378.96 426.23 55 . 246.83 289.96 334.17 379.66 426.63 56 248.21 291.19 335.18 380.45 427.09 57 249.72 292.54 336.38 381.33 427.60 58 251.37 294.06 337.65 382.28 428.13 59 253.16 295.69 339.01 383.28 428.68 60 255.09 . 297.44 340.44 384.32 429.21 61 257.17 299.31 341.99 385.39 429.73 115 AMER. EXP. MEAN RESERVES 4 J 5^% 19 Year Endowment Years A^e 11 12 13 14 15 21 474.59 529.08 585.92 645.21 707.09 22 474.53 529.01 585.83 645.13 707.01 23 474.48 528.95 585.77 645.06 706.94 24 474.43 528.89 585.70 644.98 706.86 25 474.38 528.83 585.63 644.90 706.78 26 474.33 528.77 585.55 644.81 706.69 27 474.28 528.71 585.47 644.71 706.58 28 474.23 528.64 585.39 644.61 706.48 29 474.19 528.57 585.31 644.51 706.38 30 474.15 528.50 585.22 644.41 706.27 31 474.11 528.44 585.13 644.31 706.15 32 474.08 528.39 585.04 644.21 706.03 33 474.07 528.35 584.98 644.11 705.92 34 474.07 528.32 584.92 644.01 705.80 35 474.09 528.31 584.86 643.91 705.67 36 474.14 528.32 584.82 643.81 705.53 37 474.21 528.34 584.78 643.71 705.37 38 474.31 528.37 584.73 643.60 705.18 39 474.43 528.40 584.67 643.47 704.96 40 474.56 528.43 584.60 643.31 704.72 41 474.69 528.45 584.51 643.11 704.45 42 474.82 528.46 584.39 642.88 704.15 43 474.94 528.45 584.24 642.62 703.80 44 475.04 528.41 584.05 642.31 703.39 45 475.13 528.34 583.82 641.94 702.92 46 475.20 528.23 583.54 641.51 702.37 47 475.24 528.07 583.21 641.01 701.74 48 475.26 527.87 582.83 640.44 701.03 49 475.25 527.64 582.40 639.81 700.24 50 475.24 527.37 581.92 639.11 699.36 51 475.23 527.08 581.39 638.35 698.39 52 475.21 526.78 580.80 637.51 697.23 53 475.22 526.47 580.16 636.58 696.16 54 475.24 526.15 579.47 635.56 694.87 55 475.28 525.81 578.72 634.42 693.44 56 475.34 525.45 577.92 633.18 691.87 57 475.42 525.05 577.04 631.80 690.13 58 475.46 524.58 576.02 630.24 688.17 59 475.45 524.01 574.81 628.48 686.02 60 475.38 523.28 573.44 626.55 683.64 61 475.23 522.45 571.95 624.49 681.17 116 AMER. EXP. MEAN RESERVES 35^% 19 Year Endowment Years A^e 16 17 18 19 21 771.68 839.11 909.54 983.10 22 771.60 839.04 909.49 983.10 23 771.54 838.98 9(»9.40 983.10 24 771.40 838.92 909.42 983.10 25 771.38 838.86 909.38 983.10 26 771.29 838.79 909.33 983.10 27 771.19 838.71 909.27 983.10 28 771.09 838.62 909.21 983.10 29 770.99 838.53 909.15 983.10 30 770.88 838.43 909.08 983.10 31 770.75 838.31 909.00 983.10 32 770.62 838.18 908.92 983.10 33 770.50 838.06 908.84 983.10 34 770.36 837.92 908.75 983.10 35 770.21 837.77 908.65 983.10 36 770.05 837.61 908.54 983.10 37 769.86 837.43 908.41 983.10 38 769.64 837.22 908.26 983.10 39 769.39 836.99 908.09 983.10 40 769.11 836.73 907.90 983.10 41 768.78 836.43 907.69 983.10 42 768.42 836.10 907.46 983.10 43 768.01 835.72 907.20 983.10 44 767.53 835.26 906.90 983.10 45 766.99 834.74 906.56 983.10 46 766.39 834.16 906.16 983.10 47 765.71 833.52 905.73 983.10 48 764.94 832.82 905.25 983.10 49 764.07 832.06 904.72 983.10 50 763.11 831.04 904.12 983.10 51 762.06 830.14 903.46 983.10 52 760.91 829.05 902.72 983.10 53 759.63 827.85 901.89 983.10 54 758.21 826.52 900.97 983.10 55 756.64 825.04 899.95 983.10 56 754.90 823.40 898.83 983.10 57 752.97 821.59 897.59 983.10 58 750.82 819.59 896.23 983.10 59 748.47 817.40 894.73 983.10 60 745.94 815.03 893.08 983.10 61 743.20 812.51 891.31 983.10 117 AMER. EXP. MEAN RESERVES 4 y/i% 14 Year Endowment Years 4^e 1 2 3 4 5 21 56.30 111.04 168.10 227.59 289.61 22 56.31 111.04 168.09 227.57 289.58 23 56.32 111.04 168.08 227.55 289.55 24 56.33 111.04 168.07 227.53 289.52 25 56.34 111.04 168.06 227.51 289.49 2G 56.36 111.05 168.05 227.49 289.46 27 56.38 111.06 168.05 227.47 289.43 28 56.40 111.07 168.05 227.45 289.40 29 56.43 111.08 168.05 227.43 289.36 30 56.46 111.09 168.05 227.41 289.33 31 56.49 111.11 168.05 227.40 289.30 32 56.52 111.13 168.05 227.39 289.27 33 56.55 111.15 168.06 227.38 289.24 34 56.59 111.17 168.07 227.37 289.21 35 56.64 111.20 168.09 227.37 289.18 36 56.69 111.24 168.11 227.37 289.15 37 56.75 111.29 168.14 227.38 289.13 38 56.82 111.35 168.18 227.39 289.12 39 56.90 111.42 168.23 227.41 289.11 40 56.98 111.50 168.29 227.45 289.12 41 57.08 111.60 168.37 227.52 289.16 42 57.20 111.72 168.48 227.61 289.22 43 57.34 111.86 168.62 227.72 289.29 44 57.50 112.02 168.78 227.85 289.37 45 57.68 112.21 168.96 227.99 289.44 4G 57.88 112.42 169.15 228.13 289.50 47 58.10 112.65 169.34 228.26 289.54 48 58.34 112.89 169.53 228.37 289.55 49 58.61 113.14 169.72 228.47 289.53 50 58.91 113.41 169.91 228.56 289.49 51 59.24 113.70 170.11 228.65 289.43 52 59.60 114.01 170.33 228.74 289.35 53 • 60.00 114.35 170.57 228.84 289.26 54 00.45 114.73 170.84 228.95 289.17 55 60.95 115.15 171.14 229.08 289.08 5G 61.50 115.62 171.48 229.23 288.99 57 62.11 116.15 171.87 229.41 288.91 58 62.79 116.75 172.31 229.62 288.84 59 63.55 117.42 172.80 229.84 288.77 60 64.40 118.17 173.35 230.16 288.75 61 65.34 119.00 173.97 230.48 288.72 118 AMER. EXP. MEAN RESERVES 4 1 4 y/:t% 14 Year Endowment Years A^e 6 7 8 9 lO 21 354.29 421.74 492.09 565.47 642.03 22 354.25 421.70 492.04 565.41 641.97 23 354.21 421.65 491.98 565.35 641.90 24 354.17 421.60 491.92 565.29 641.83 25 354.13 421.54 491.86 565.22 641.76 26 354.09 421.48 491.79 565.14 641.68 27 354.04 421.42 491.72 565.06 641.60 28 353.99 421.36 491.65 564.98 641.52 29 353.94 421.30 491.57 564.89 641.43 30 353.89 421.24 491.49 564.80 641.33 31 353.84 421.17 491.41 564.71 641.22 32 353.79 421.10 491.32 564.60 641.10 33 353.74 421.02 491.22 564.49 640.98 34 353.69 420.94 491.12 564.37 640.85 35 353.63 420.86 491.01 564.24 640.71 36 353.57 420.78. 490.90 564.11 640.50 37 353.52 420.70 490.79 563.97 640.41 38 353.48 420.62 490.68 563.82 640.24 39 353.45 420.55 490.57 563.67 040.06 40 353.43 420.49 490.46 563.52 639.88 41 353.42 420.44 490.35 563.36 639.68 42 353.43 420.39 490.23 563.18 639.44 43 353.44 420.33 490.10 562.97 639.16 44 353.45 420.25 489.92 562.71 638.83 45 353.43 420.14 489.73 562.40 638.45 46 353.39 419.98 489.46 502.03 638.00 47 353.31 419.77 489.12 561.59 637.48 48 353.19 419.51 488.72 561.08 630.88 49 353.03 419.20 488.26 560.49 636.20 50 352.84 418.84 487.74 559.82 635.43 51 352.62 418.43 487.15 559.07 634.57 52 352.37 417.97 486.50 558.24 633.62 53 352.09 417.40 485.78 557.33 . 632.56 54 351.78 416.91 484.99 556.33 631.43 55 .; 351.42 416.31 484.12 555.23 630.15 56 351.06 415.66 483.17 554.02 628.75 57 350.68 414.96 482.14 552.70 627.22 58 350.27 414.21 481.03 551.26 625.54 59 349.85 413.40 479.83 549.69 623.70 60 349.44 412.55 478.52 547.97 021.68 61 348.98 411.62 477.09 546.09 619.45 11^ AMER. EXP. MEAN RESERVES 354% 14 Year Endowment Years A^e 11 12 13 14 21 721.90 805.26 892.26 983.10 22 721.84 805.21 892.23 983.10 23 721.78 805.16 892.20 983.10 24 721.72 805.10 892.17 983.10 25 721.66 805.04 892.13 983.10 20 721.59 804.98 892.09 983.10 27 721.52 804.92 892.05 983.10 28 721.43 804.85 892.01 983.10 29 721.33 804.78 891.96 983.10 30 721.23 804.70 891.91 983.10 31 721.13 804.61 891-85 983.10 32 721.02 804.51 891.79 983.10 33 720.90 804.40 891.72 983.10 34 720.77 804.29 891.65 983.10 35 720.63 804.17 891.57 983.10 36 720.48 804.03 891.49 983.10 37 720.32 803.88 891.40 983.10 38 720.15 803.71 891.29 983.10 39 719.96 803.52 891.17 983.10 40 719.75 803.32 891.03 983.10 41 719.51 803.11 890.87 983.10 42 719.24 802.87 890.69 983.10 43 718.93 802.58 890.49 983.10 44 718.57 802.26 890.27 983.10 45 718.15 801.89 890.02 983.10 4G 717.67 801.45 889.73 983.10 47 717.12 800.94 889.40 983.10 48 716.49 800.36 889.03 983.10 49 715.78 799.71 888.61 983.10 50 714.98 798.99 888.12 983.10 51 714.09 798.19 887.58 983.10 52 713.10 797.30 886.99 983.10 53 712.01 796.31 886.35 983.10 54 710.81 795.22 885.64 983.10 55 709.48 794.02 884.84 ■ ' 983.10 56 708.01 792.69 883.95 983.10 57 706.39 791.22 882.96 983.10 58 704.61 789.60 881.87 . 983.10 59 702.65 787.81 880.67 983.10 60 700.49 785.82 879.34 983.10 61 698.10 783.60 877.86 • ; 983.10 120 AMER. EXP. MEAN 9 Yeai RESERVES r Endowment ■ iV:i% Years Ai» 1 2 3 4 S 21 95.19 190.51 289.91 393.57 501.71 22 95.19 190.50 289.89 393.54 501.67 28 95.20 190.49 289.87 393.51 501.63 24 95.21 190.48 289.85 393.48 501.59 25 95.22 190.47 289.83 393.45 501.55 26 95.23 190.46 289.80 393.41 501.50 27 . 95.24 190.45 289.77 393.37 501.45 28 95.25 190.44 289.74 393.33 501.40 29 95.26 190.43 289.71 393.28 501.34 30 95.27 190.42 289.68 393.23 501.28 31 95.28 190.41 289.65 393.18 501.21 32 95.29 190.40 289.61 393.12 501.14 38 95.31 190.39 289.57 393.06 501.07 34 95.33 190.38 289.53 393.00 500.99 35 95.35 190.37 289.49 392.93 500.90 36 95.38 190.36 289.45 392.86 500.81 37 95.41 190.35 289.40 392.78 500.71 38 95.44 190.33 289.35 392.69 500.60 39 95.47 190.31 289.30 392.59 500.47 40 95.51 190.30 289.24 392.49 500.33 41 95.56 190.30 289.18 382.39 500.19 43 95.61 190.30 289.12 392.28 500.04 48 95.67 190.31 289.06 392.17 499.87 44 95.75 190.32 289.00 392.05 499.68 45 95.84 190.33 288.94 391.91 499.49 46 95.94 190.35 288.87 391.74 499.24 47 96.05 190.37 288.78 391.54 498.96 48 96.17 190.38 288.66 391.30 498.60 49 96.30 190.37 288.51 391.02 498 22 50 96.44 190.36 288.33 390.69 497.78 51 96.60 190.34 288.13 390.31 497.27 52 96.78 190.31 287.90 389.88 496.69 58 96.98 190.28 287.63 389.40 496.04 54 97.20 190.25 287.34 388.87 495.32 56 97.44 190.20 287.00 388.29 494.53 56 97.71 190.16 286.64 387.65 493.66 57 98.01 190.12 286.25 386.94 492.70 58 98.35 190.07 285.82 386.16 491.64 59 98.73 190.02 285.35 385.30 490.47 60 99.16 189.97 284.84 384.35 489.18 61 99.64 189.92 284.29 383.31 487.77 121 AMER. EXP. MEAN RESERVES 35^% 9 Year Endowment Years A^e 6 7 8 9 21 014.50 732.17 854.90 983.10 22 014.40 732.14 854.94 983.10 23 614.42 732.11 854.92 983.10 24 614.38 732.08 854.90 983.10 25 014.34 732.04 854.87 983.10 20 614.29 731.99 854.84 983.10 27 614-23 731.94 854.81 983.10 28 614.17 731.89 854.78 983.10 29 614.11 731.83 854.74 983.10 30 614.05 731.77 854.70 983.10 31 613.98 731.71 854.00 983.10 32 613.90 731.04 854.02 983.10 33 613.82 731.57 854.57 983.10 34 013.73 731.49 854.51 983.10 35 013.04 731.40 854.45 983.10 36 013.54 731.30 854.38 983.10 37 013.43 731.19 854.31 983.10 38 013.31 731.07 854.23 983.10 39 013.15 730.94 854.14 983.10 40 013.00 730.80 854.04 983.10 41 012.80 730.05 853.93 983.10 42 012.08 730.48 853.81 983.10 43 012.48 730.29 853.08 983.10 44 012.20 730.07 853.53 983.10 45 012.01 729.82 853.30 983.10 46 011.72 729.53 853.10 983.10 47 011.38 729.20 852.93 983.10 48 010.98 728.82 852.07 983.10 49 010.52 728.38 852.37 983.10 50 010.00 727.88 852.03 983.10 51 009.42 727.32 851.05 983.10 52 008.77 720.70 851.23 983.10 53 008.04 720.01 850.70 983.10 54 007.23 725.25 850.23 983.]0 55 000.33 724.41 849.04 983.10 50 005.34 723.47 848.99 983.10 57 004.24 722.42 848.27 983.10 58 003.02 721.25 847.47 983.10 59 001.07 719.90 840.58 983.10 60 000.19 718.54 845.59 983.10 61 598.57 710.98 844.50 983,10 122 AMER. EXP. MEAN RESERVES 4 y/:i% 20 Year Mortuary Additions Years Atfe 1 2 3 4 3 20 73.92 71.56 69.10 66.58 68.86 21 74.90 72.54 70.07 67.50 64.82 22 75.9G 78.59 71.12 68.55 65.86 23 77.12 74.75 72.28 69.71 67.01 24 78.39 76.08 78.56 70.97 68.27 25 79.80 77.44 74.96 72.87 69.66 26 . 81.34 78.98 76.51 73.92 71.20 27 83.06 80.71 78.28 75.64 72.91 28 84.97 82.63 80.15 77.56 74.83 29 87.11 84.77 82.31 79.71 76.98 30 89.52 87.19 84.74 82.15 79.40 31 92.28 89.92 87.47 84.88 82.14 32 95.29 98.00 90.56 87.99 85.25 33 98.73 96.47 94.05 91.49 88.76 34 102.60 100.86 97.97 95.42 92.69 35 106.93 104.73 102.37 99.84 97.11 36 111.78 109.62 107.28 104.78 102.07 37 117.20 115.08 112.78 110.80 107.61 38 123.22 121.16 118.91 116.46 113.80 39 129.91 127.91 125.71 123.81 120.68 40 137.83 185.40 188.27 180.92 128.81 41 145.53 143.68 141.62 189.82 186.75 42 154.58 152.82 150.84 148.60 146.06 43 164.53 162.87 160.97 158.79 156.29 44 175.44 173.89 172.08 169.97 167.50 45 187.37 185.94 184.22 182.17 179.73 46 200.39 199.08 197.46 195.48 193.00 47 214.55 218.88 211.86 209.94 207.54 48 229.90 228.87 227.46 225.60 228.24 49 246.50 245.61 244.81 242.54 240.22 50 204.88 268.65 262.48 260.80 258.58 51 288.56 288.01 281.98 280.41 278.20 52 304.05 808.68 802.81 801.85 299.22 53 325.76 325.60 824.90 823.58 821.53 54 348.61 348.67 348.16 346.99 845.05 55 372.49 372.77 872.46 871.46 369.65 56 397.29 897.82 897.74 896.92 895.25 57 422.91 423.72 428.87 428.25 421.74 58 449.31 450.40 450.80 450.41 449.08 59 476.43 477.82 478.50 478.86 477.25 60 504.19 505.91 506.90 507.04 506.20 123 AMER. EXP. MEAN RESERVES 4 y/i% 20 Year Mortuary Additions Years Ai^ ^iWiMM»i SM SiHfc www i vp ■T. ■ W >mM i m itll: m ft hmmm m »i m mm ill mm m w ^av « i mm^ ^M ^fm mm ^ivl ^Si-SSS, i^^^^VV; i?l i i^^vj;^ m mm:; WMmm 'mm .Mill mfX 'Mm ^^ »fei^^^ii^ i&:(.«^!S^ S \)-:v<) '&m^, iii M wm v1 ; t*v,ji,'