ALBERT n MOWBRAY. F. A. S.
CONSULTING ACTUARY
ei* CItOC.vER BLCS.. SAN FRANCISCO, CAU
r»HON^ SUTTER r 3BS
f'i/ii/f
THE LIBRARY
OF
THE UNIVERSITY
OF CALIFORNIA
IN MEMORY OF
PROFESSOR ALBERT H. MOWBRAY
1 88 1— 1949
COMPARATIVE RESERVE TABLES.
SECOND EDITION.
REVISED AND ENLARGED.
MILES M. DAWSON,
Consulting Actuary.
Fellow American Society of Actuaries, Institute of Actuaries, etc., etc.
Author of "Practical Lessons in Actuarial Science," "Various
Derived Tables," "Business of Life Insurance," "Elements
of Life Insurance," etc., etc.
THE CIIROXICLE CO. (Ltd.L
NEW YORK.
1908.
GIFT
COPYRIGHTED, 1905 AND 1908,
BY
MTL,ES M. DAWSON.
TABLE OF CONTENTS.
IXTRODUCTION '^
I'irst Voar Margins by Various Standards xvi
Mortality Rates by Various Standards— Ultimate xxiii
Moriality Rates by Various Standards — Select xxv
SELFXT AND ULTIMATE— AMERICAN EXPERIEX'CE.
Introduction 5
3 per cent. Net Single Premiums. Life 9
Immediate Life Annuities. Due 'O
Terminal Reserves:
Ordinary Life ' '
Twenty Payment Life ^2
Fifteen Payment Life L^
Ten Payment Life M
Twenty Year Endowment '5
Fifteen Year Endowment i6
Ten Year Endowment '7
Mean Reserves:
Ordinary Life '"
Twenty Payment Life '9
Fifteen Payment Life -O
Ten Payment Life 21
Twenty Year Endowment 22
Fifteen Year Endowment 23
Ten Year Endowment 24
d<y2 per cent. Net Single Premiums, Life 27
Immediate Life Annuities, Due 28
Terminal Reserves:
Ordinary Life 29
Twenty Payment Life 3°
Fifteen Payment Life v3'
Ten Payment Life 2>2
Twenty Year Endowment ?>?,
Fifteen Year Endowment 34
Ten Year Endowment 33
Mean Reserves:
Ordinary Life 36
Twenty Payment Life . . . 37
Fifteen Payment Life .V*^
Ten Payment Life 39
Twenty Year Endowment 40
Fifteen Year Endowment 41
Ten Year Endowmient 42
iii
iM680953
iv TABT.E OF CONTENTS.
MODIFIED PRELIMINARY TERM, AMl-RICAN EXPERIENCE.
Introduction 43
3 per cent. Terminal Reserves:
Life, Paid-up in 20 Years 49
Life, Paid-up in 15 Years 53
Life, Paid-up in 10 Years 56
Endowment in 20 Years 58
Endowment in 1 5 Years 62
Endowment in to Years 65
Mean Reserves:
Life, Paid-up in 20 Years 67
Life, Paid-up in 15 Years 71
Life, Paid-up in 10 Years 74
Endowment in 20 Years 76
Endowment in 15 Years 80
Endowment in 10 Years 83
3J/^ per cent. Terminal Reserves:
Life, Paid-up in 20 Years 87
Life, Paid-up in 15 Years 91
Life, Paid-up in 10 Years 94
Endowment in 20 Years 96
Endowment in 15 Years 100
Endowment in 10 Years 103
Mean Reserves:
Life, Paid-up in 20 Years 105
Life, Paid-up in 15 Years 109
Life, Paid-up in 10 Years , 112
Endowment in 20 Years 114
Endowment in 15 Years 118
Endowment in 10 Years 121
MODIFIED PRELIMINARY TERM, ACTUARIES' 4 PER CENT.
Terminal Reserves:
Life, Paid-up in 20 Years 125
Life, Paid-up in 15 Years 129
Life, Paid-up in 10 Years 132
Endowment, Maturing in 20 Years 134
Endowment, Maturing in 15 Years 138
Endowment, Maturing in 10 Years 141
Mean Reserves:
Life, Paid-up in 20 Years 143
Life, Paid-up in 15 Years 147
Life, Paid-up in 10 Years 150
Endowment, Maturing in 20 Years 152
Endowment, Maturing in 15 Years 156
Endowment, Maturing in 10 Years 159
TABLE OF CONTENTS. v
SELECT AND ULTIMATE— AMERICAN EXPERIENCE 4 TER CENT.
Net Single Premiums, Life 163
linmediate Life Annuities, Due 164
Terminal Reserves:
Ordinary Life 165
Twenty Payment Life 166
Fifteen Payment Life 167
Ten Payment Life 168
Twenty Year Endowment 169
Fifteen Year Endowment 170
Ten Year Endowment 171
]\Iean Reserves:
Ordinary Life 172
Twenty Payment Life 173
Fifteen Payment Life 174
Ten Payment Life..... 175
Twenty Year Endowment 176
Fifteen Year Endowment 177
Ten Year Endowment 178
COMMITTEE OF FIFTEEN STANDARD ^V, PER CENT.
Introduction 179
Terminal Reserves:
Life, Paid-up in 20 Years 181
Mean Reserves:
Life, Paid-up in 20 Years 185
ILLINOIS STANDARD 3K' PER CENT.
Introduction 189
Terminal Reserves:
Life, Paid-up in 15 Years 191
Life, Paid-up in 10 Years 194
Endowment, Maturing in 20 Years 196
Endowment, Maturing in 15 Years 200
Endowment, Maturing in to Years 203
Mean Reserves:
Life, Paid-up in 15 Years 205
Life, Paid-up in 10 Years 208
Endowment, Maturing in 20 Years 210
Endowment, Maturing in 15 Years 214
217
I-'udowment, Maturing in 10 Years.
MICHIGAN AND TENNESSEE STANDARD 3>S PER CENT.
Introduction 219
Terminal Reserves:
Endowment, Maturing in 20 Years.
2J
Mean Reserves:
Endowment, Maturing in 20 Years 225
vi TABLE OF CONTENTS.
NEW JERSEY STANDARD z'A PER CENT.
229
[ntrotluction
Terminal Reserves:
Ordinary Life, ~>^'
Twenty Payment Life -3-2
l""ifteen Payment Life -33
Ten Payment Life 234
Twenty Year Endowment 235
Fifteen Year Endowment 236
Ten Year Endowment '. -2>7
Mean Reserves:
Ordinary Life 238
Twenty Payment Life 239
I'^iftecn Payment Life 240
Ten Payment Life 241
Twenty Year Endowment 242
Fifteen Year Endowment 243
Ten Year Endowment 244
CANADIAN LIFE OFFICERS' STANDARD 3K' PER CENT.
Introduction 245
Terminal Reserves:
Ordinary Life 247
Twenty Payment Life 248
Fifteen Payment Life 249
Ten Payment Life 250
Twenty Year Endowment 251
Fifteen Year Endowment 252
Ten Year Endowment 253
Mean Reserves:
Ordinary Life 254
Twenty Payment Life 255
Fifteen Payment Life 256
Ten Payment Life 257
Twenty Year Endowment 258
Fifteen Year Endowment 259
Ten Year Endowment 260
WISCONSIN MINIMUM STANDARD 3'/> PER CENT.
introduction 201
Terminal Reserves:
Ordinary Life 2(^.\
Life, Paid-up in 20 Years 264
Life, Paid-up in 15 Years 265
Life, Paid-U]) in 10 Years 266
I'jidnwnunt, Maturing in 20 Years 267
i'.ndipwnuiit, Maturing in 15 Years 268
I'jidowmenl, Maturing in 10 Years 269
TABLE OF CONTENTS. vii
Mean Reserves:
Ordinary Life j/o
Life, Paid-up in 20 Years 271
Life, Paid-up in 1 5 Years _'7J
Life, Paid-up in 10 Years 2"/ 2,
Endowment, Maturing in 20 Years 274
Endowment, Maturing in 15 Years 275
Endowment, Maturing in 10 'S'ears 276
SELECT AND ULTL\L\TK Oim y/, PER CENT.
Introduction 277
Net Ultimate Premiums 279
Net Single Premiums, Life 280
Immediate Life .\nnuities, Due 282
Terminal Reserves:
Ordinary Life 2H4
Twenty Payment Life 288
Fifteen Payment Life 292
Ten Payment Life 295
Twenty Year Endowment 297
Fifteen Year Endowment 301
Ten Year Endowment 304
Mean Reserves:
Ordinary Life 306
Twenty Payment Life 310
Fifteen Payment Life 314
Ten Payment Life 317
Twenty Year Endowment 319
Fifteen Year Endowment 323
Ten Year Endowment 326
INTRODUCTION TO SECOND EDITION.
These tables have a liistory which may he interesting.
When, in 1903, my short paper, introducing^ the formula for
reserves by the select and ultimate method, was prepared for the
Actuarial Society of America, it was i)bvious that, in order that a
practical use for the formula might be indicated, tables were requisite
to illustrate its application.
Accordingly, utilizing certain assumptions as to mortality
during the first five years, known to represent actual experience very
conservatively on the whole, and taking the American Experience
table as an approximate expression for ultimate mortality, tables of
values and margins were com])uted on the American Experience Select
and Ultimate basis, with interest at 3 i)er cent, and ^V^ P^r cent,
and were included in the second edition of '"Various Derived Tables,"
which was then about to be published.
In view of the high price of this book ($25 per copy), and the
fact that the tables were not demanded for immediate use, this intro-
duction was not deemed sufficiently popular; and, therefore, the same
tables were comprised in a new volume, entitled "Comparative Reserve
Tables," which also contained reserve tables by the "Alodified Pre-
liminary Term" method, the origin of wdiich is hereinafter narrated.
Soon afterward, in the second edition of "I'ractical Lessons in
Actuarial Science," the formula was fully described and the "Ameri-
can Experience Select and I'ltiniate" table and commutation columns
corresponding to it were printed.
"Comparative Reserve Tables" was published in 1905, at $5.00
per copy. In 1906, on the recommendation of the ".Armstrong Com-
mittee," reserves by the select and ultimate method and the .American
Experience table and 3^/2 per cent, interest became the minimum
reserve standard for New York. In order that all who were inter-
ested should be able to obtain these reserves, without gixing a profit
to the author of the book, who was the actuary of the Committee,
the price was for a year reduced to Si, actually below the cost of
X INTRODUCTION.
printing and binding. It was later restored to $5. This edition is
now exhausted.
In the meantime, several occurrences had also brought
modified preliminary term reserves prominently into public notice.
These tables give values for policies on the basis that it is
proper and legitimate to use the first premium on a whole life policy
for the payment of the cost of insurance and the expense cost for
the year; but that out of the excess of a limited payment or endow-
ment insurance premium for the first year, over the corresponding
whole life premium, a suitable reserve should be set up. This was
in accordance with the reservations of Dr. Zillmer of Germany,
Dr. T. B. Sprague of Great Britain and Emory McClintock in their
endorsements of "x-f i" valuation, known in this country as "pre-
liminary term."
The modified preliminary term method of computing reserves
was introduced by me in 1897, in which year it was adopted by two
companies. By 1906, it was in use in fifteen companies. It was
the method passed upon by the supreme court of Vermont in the
two cases, Bankers Life vs. Commissioners; and is the only pre-
liminary term method which has been sustained in the courts. It is
my opinion that it is the only preliminary term method wdiich can
be sustained :
First, as not in violation of the anti-discrimination statutes.
All other i)rcliminary term methods permit men of the same age to
be charged dififerent premiums for term insurance for one year — in
some cases varying from as low as $10 per $1,000 to as high as $100.
Second, as sound when tested by the canons of actuarial science
and finance. All other methods involve the application of a part or all
of the discounted value of the excess of instalments, deposited purely
as an investment, over the present value of the investment returns
guaranteed thereby, to the i)ayment of immediate expenses and profits.
Such a proceeding is not ingenuous, safe or honest. To admit that it
is proper is to give actuarial support to rotten financial schemes,
such as "investment contracts." "instalment bonds," "Iowa bonds"
and the like.
Both on the grounds of their illegality and fundamental un-
soundness, the commissioners of insurance should forbid such
practices; and all actuaries, for the honor of their profession, should
discountenance them. At the same time, it is to be remembered:
I''irst, that a company may be sound and may even be
economically, honestly and i)rudently managed, even tlKMigh reserv-
ing on one of the bases wiiicli docs n.)t ,s(|nare with soimd principles.
These methods open the d(»or to abuses; they do not assure that
there will be abuses.
INTRODUCTION. xi
Second, that many honest managers have not apprehended
the fact that these variations are fundamentally wrong, and are
not at fault in a moral sense.
Returning to the two reserve methods, the select and ultimate
and the modified preliminary term, tlicir respective claims for prefer-
ence may be stated as follows:
The "select and ultimate" method charges the correct liability
on the basis that net premiums are by a safe "ultimate" table and
that the mortality is as it really is. by a select table. When thus
applied, it sets free to cover the cost of new business, a sum pre-
cisely equal to the value to the going company of the new business
by reason of the fresh medical selection.
The modified preliminary term method measures the liability
on the basis that, in practice, if the new business is to be self-sustain-
ing, its cost must not exceed the excess of the first year's premiums
over the first year's death-claims : that, as to life policies, the cost of
new business may go to this limit; but that, as to policies with larger
premiums paid to prepay premiums that would not be due for years or
to be added to the accumulation in order to mature the policies as en-
dowments, a proper reserve must be set up from the excess from the
outset.
Both of these princii)les are sound. The latter has the more
universal application ; it would clearly be the only princijde applicable,
were there no gains from fresh selection. Tt remains to be considered,
which is best under the conditions actually ruling in the I'nited
States.
These conditions are as follows :
1. Premiums are in fact calculated by adding a level loading
to a net level premium, computed by a table which approximately
represents ultimate mortality. The preliminary term companies
merely copy these premiums more or less exactly.
2. This means that the value of new- business and the con-
cealed provision for paying for the same, is the expense loading on
the first premium plus the present value of the "select and ultimate"
mortality margins. This is shown by equating the premium with a
formula for loading to cover initial expenses, as follows:
I afxi ) V ax /
In this, F = provision for cost of new business; [xj signifies by
a select table, representing actual mortality and x by the ultimate
section of this table. Equating, we have :
INTRODUCTION.
( a[x] ) \ax /
I afxj + (ax — a[x] ) )
AW+ (-^Ax-Aw)
+ cV (1+k)
F =
a[x]
ax
a?- ^-^
3. Preliminary term or "x + i" valuation has found lodg-
ment in this country, only by means of making the insurance "term
for one year," by contract. It is, therefore, not suitable for general
application as a minimum standard. Yet, if not generally applied,
one company might be closed up while in possession of resources
much in excess of what would cover its liabilities by the minimum
standard, while another, with like policy obligations in reality, is
permitted to go on, with a triumphant certificate of solvency from
the State, because calling its policies "preliminary term."
4. Select and ultimate does not lend itself to variations of
different degrees of unsoundness. Once named, it is a fixed method,
the results varying only as one table or another or one rate of in-
terest or another is employed. The second edition of this book is,
on the contrary, called for by the great variety of further modifica-
tions of modified preliminary term, which have already been intro-
duced or are now pending — all of which are artificial and arbitrary
and most of which are unsound.
These variations may be divided into two classes :
1. Compromises with the "full preliminary term" method — i.e.
a method permitting the whole first year's premium, regardless of
plan, to be applied to pay that year's costs of mortality and ex-
pense. These arc all discriminatory and also repugnant to sound
finance.
2. Approximations of the results by the select and ultimate
method — i.e. ways of doing it while seeming not to.
The former have resulted in the absurd Wisconsin minimum
standard which actually weakens the already attenuated full pre-
liminary term reserves, as to the policies most commonly written.
The latter have distributed the "making good" of the reserve
by the ultimate table, in such manner as not to avail of the large
mortality salvage of the first year, but so that the salvages thereafter
will be called upon to "make good" more than they possibly can.
Notwithstanding which, the mortality salvage (A the first year is not
INTRODUCTION. xiii
released toward covering cost of new business. In other words, it is
impounded and cannot be used for initial expenses, yet is not ap-
plied toward "making good."
The wisdom of having a common standard to measure cost of
new business is now pretty generally admitted. That the correct
measure should bo its value to the going concern is also seen pretty
clearly and also that, under .American conditions, this value is the
expense loading of the first premium, plus the present value of
mortality salvages, the select and ultimate margin.
If the New York standard in any particular fails to do justice,
it is in this: The select and ultimate margin by that standard, the
American lixperience select and ultimate table, is not the full pres-
ent value of these mortality salvages. Therefore, the measure is
too small, i.e. smaller than the actual value of the new business to a
going concern, beyond which no jirudent manager really desires to go.
lust what is the true value of these salvages in the United
States is not accurately known; because we have no select mortality
table, deduced from the general experience of American companies.
We do know tliat the experience in the United States corresponds
verv fairly with that of British companies; and we have a table,
the O^^^] select, deduced from all of their experience up to 1893. Ac-
cording to that table, the value of the salvages averages fully $4.00
per $1,000 of insurance more than is brought out by the American
Experience select and ultimate.
The tables on pages, appended to this introtluction, show the
margins set free by the different methods.
If the best-managed of the preliminary term companies will
apply the margins by O^^^'^ select and ultimate to the business actually
done by them, they will find that it gives as large a provision for cost
of new business, on the whole, and much more wisely and fairly dis-
tributed, as the abortions of modified preliminary term that have been
adopted, and as mlich as a prudently conducted company would de-
sire to use. And, if it is substituted, the following will be gained:
1. The brand of "preliminary term" will be taken from their
policies.
2. The vicious extravagance of certain comiKinies will not be
charged against companies of the preliminary term class, only; if. in-
deed, such extravagance will not be rendered impossible.
3. Their surrender values, now usually i)ermanently lower
than others, can be brought up to standard.
4. There will be uniformity of minimum standards of re-
serves and maximum provisions for cost of new business.
It seems clear that the general substitution of this minimum
standard would harmonize the interests of all of the following:
xiv INTRODUCTION.
1. The constituents of the various agents' associations in the
I'nited States and Canada, who desire a small measure of relief from
the stringent New York standard but do not wish a return to the
evil conditions of the past.
2. Companies, complying with the New York laws, whose
premiums are so low that the pressure on their commissions is
severest.
3. Companies, not complying with the New York laws, and
especially preliminary term companies.
4. Commissioners of insurance, desirous of bringing about uni-
form requirements and conditions promoting honesty and economy,
but at all hazards without destroying companies or their prospects.
5. Actuaries, desirous of serving the best interests of their
companies, the profession and the public and of escaping the annoy-
ances of the conflict and confusion of the variety of methods now in
use.
6. Policyholders, both old and new. The former will thus be
protected against new business being taken on at a loss to them and
the latter against the costs being so large as unduly to reduce the
safety or the participation of their policies.
It will also tend to the equalization of dividends and their be-
ing early realized. For it would call for lower reserves at the out-
set and higher reserves later, than the American Experience.
The suitability of the latter — and of the Actuaries' and the 11^'^
tables, as well — to be substituted for an ultimate table, may be judged
by comparing the same as given in the tables appended to this preface.
The general equivalence of each of the other tables to the ulti-
mate O^^^^^ should not blind one to their departures and discrepancies.
The curve of the American Experience below the ultimate rates from
age 40 to age 69 (which are precisely the ages at which the majority
of the membership of a stationary or receding business arc likely to
stand) is especially noteworthy. It results both in low ]ireniiunis and
low reserves, a particularly unfortunate combination if in such a
business the ultimate mortality proved higher than the assumptions.
The QMCiO) calls for higher net premiums and higher ultin\-ao
reserves, both elements of strength; and, on the select and ultimate
basis, for low reserves at the outset, gradually ascending to reach ulti-
mate reserves the lOth year. As a basis for surrender values, these
give moderate early values and larger \alues to persistent policy-
holder.s — both, things to be desired.
\n the calculation of select and ultiinaU' rrscv\cs by tlie l)!-"^'!
tabk', the first terminal rescrxe, computed by the formula, would
frequently be a minus (piantity and the first mean roser\c less than
1/2 vQixi . In all such cases, the terminal reserve is taken as zero and
the mean reserve as 3/2 vq|x] .
INTRODUCTION. xv
It will be interesting^ to investi^^ate what niari^ins and percent-
ages of premiums are set free by these different minimum standards
and also what percentages of commissions can be paid, after providing
for medical and inspection expenses. On the basis of the following
participating premiums for age 35 — Life $27.30, 20 payment $36.00 and
20 year endowment $50.80 — the following show the margins and the
commissions which can be paid :
FIRST YEAR MARGINS— (Including Loading).
Age 35.
Canadian
OCM] Per
Am. Ex. Per *Am.
Ex. Per
Life Per
Sel. & Ult. Cent.
Sel. & Ult. Cent. Prel. Term. Cent.
Officers'. Cent.
Life 21.85 80
18.06 66 18.65 68
Fifteen, Illinois, Michigan and Tennes
18.82 69
* New Jersey, Committee of
see, and, virtually,
Wisconsin, as well as
all "full preliminary term"
States.
Canadian
0[M] Per Am
1. Ex. Per Life Per
*New
Per tCom. of Per
Sel. & Ult. Ct. Sel.
& Ult. Ct. Officers'. Ct.
Jersey.
Ct. Fifteen. Ct.
20 Pay't.. 22.65 6.3 10.08 53 20.03 56
19.86
54J/2 27.35 76
Same as modified preliminary term.
Same as full preliminary term; also as Illinois, Michigan and Tennessee and,
virtually, Wisconsin.
0[M] Am. Ex. Cariad'n tCom. of
Sel. Per Sel. Per Life Per of Per Per Per
& Ult. Ct. & int. Ct. Offi'rs'. Ct. Fift'n. Ct. *Illin's. Ct. §Mich. Ct.
30 Yr. End't. .. 24.37 48 20.84 41 22.62 44 21.94 42 29.43 58 42.15 83
t Modified preliminary term. New Jersey,
* Also, virtually, Wisconsin.
§ Full preliminary term.
PER CENT. AVAILABLE FOR COMMISSIONS
(After Deducting 12 ])er cent, of Life Premium for Medical and
Inspection Expenses, etc.)
Age 35.
OEM] Am. Ex. Am. Ex. Canadian
Sel. & Ult. Sel. & Ult. Preliminary Term. Life Officers',
Life 65 55 56 56
OtM]
Am. Ex.
Canadian
Com. of
Sel. & Ult.
Sel. & Ult.
Life Officers'.
New Jersey.
Fifteen.
20 Pay't...
54
44
47
46
67
0[M] Am. Ex. Canadian Com. of
Sel. & Ult. Sel. & Ult. Life Officers'. Fifteen Ulinoi.^. Michigan.
20 End't 41 36 38 37 51 77
The liberal and properly-graded rates of commissions provided
by the correct C^^^ select and ultimate method are thus readily con-
trasted with the monstrosities exhibited by some of the other methods.
COMPARATIVE ist YEAR'S MARGINS.
ORDINARY LIFE.
Am. Ex.
*Canadian
OtM]
Am. Ex.
Prelim.
Life
Age.
Sel. & Ult.
Sel. & Ult.
Term.
Officers'.
20
10.67
9-30
5-94
7.18
21
10.97
9-37
6.18
7.16
22
11.29
9.46
6.44
7-40
23
11.62
9.48
6.72
7-84
24
11.96
952
7.01
8.36
25
12.32
9.61
7-31
8.80
26
12.46
9.69
7-63
9.20
27
12.65
9-77
7.96
9-47
28
12.86
9.84
?-?°
9.71
29
13.10
9-97
8.67
9-97
30
1335
10.06
9-05
10.23
31
13-58
10.16
9-46
10.59
32
13.90
10.27
9.88
11.00
3:^
14.21
10.38
10.30
11-43
34
14-59
10.52
10.77
11.86
35
14.94
10.67
11.26
12.28
36
15.36
10.81
11-77 .
12.66
37
15.81
11.02
12.30
13.06
38
16.33
11.23
12.85
1353
39
16.89
11.45
13-44
14.05
40
17.46
. 11.69
14.04
14.70
41
18.11
11-95
14.69
15-44
42
18.81
12.26
15-35
16.17
43
19-57
12.56
16.07
16.83
44
20.45
12.97
16.80
17-51
45
21.33
13-39
17-56
18.07
46
22.32
13.90
18.34
18.57
47
23-40
14.46
19-15
19-13
48
24.60
15.09
19.99
19.77
49
25-83
15.86
20.81
20.45
50
27.19
16.72
21.68
21.26
51
28.70
17.64
22.54
22.17
52
30.34
18.66
23.42
2305
53
32.10
19.83
24-33
23-87
54
33-68
21.14
25.26
24-73
55
35-02
22.49
26.19
25-55
56
36.42
24.09
27.13
26.39
57
37-89
2583
28.10
27.26
58
39-43
27.71
29.07
28.19
59
41.04
29.85
30.05
29.02
60
42.73
32.14
3104
29.81
6r
44-50
34.70
32.02
30.55
62
46.35
37-49
33-00
3^ -^7
^^3
48.30
40.56
33-99
31-93
64
.S0.33
43-94
34-95
32.73
''>5
52.47
47-63
35-88
33-68
* For Ordinary Life, New jersey. Coinniittcc of I'lftccn.
Illiotiis, Micliip^an and Tennessee and full ])reliniinary term are
ail the same. Wisconsin, virtually, the same.
COMPARATIVE ist YEAR'S MARGINS.
TWENTY PAYMENT LIFE.
Canadian
tCom.
OtM]
Am. Ex.
Life
-New
of
Age.
Sel. & Ult.
Sel. & Ult.
Officers'.
Jersey.
Fifteen.
20
11-34
9-14
7.18
5-94
13.18
21
11-43
9.20
7.16
6.18
1347
22
11.56
9.29
7.40
6.44
13.76
23
11.68
9-33
7-84
6.72
14.07
24
11.85
9-35
8.36
7.01
14.40
25
11.98
9-45
8.80
7-31
14-74
26
12.12
9-54
9.20
7.63
15.08
27
12.31
9.61
9-47
7.96
15-43
28
12.50
9.67
9.71
8.30
15.80
29
12.73
9-79
9-97
8.67
16.18
30
12.98
9.88
10.23
9-05
16.57
31
13.20
9.96
10.59
^•ia
16.99
32
13-50
10.10
11.00
9.88
17.41
33
13.81
10.19
11-43
10.30
17.82
34
14.17
10.34
11.86
10.77
18.28
35
14-51
10.48
12.28
11.26
18.75
36
14.91
10.64
12.66
11.77
19.23
37
15-36
10.82
13.06
12.30
19.72
38
15-87
11.03
13-53
12.85
20.22
39
16.39
11.24
14.05
13-44
20.75
40
16.95
11.49
14.70
14.04
21.29
41
17-59
11-75
15-44
14.69
21.85
42
18.25
12.05
16.17
15-35
22.43
43
19.00
12.34
16.83
16.07
23.04
44
19.87
12.75
17-51
16.80
23-65
45
20.72
13.18
18.07
17-56
24.28
46
21.70
13-65
18.57
18.34
24.91
47
22.f6
14.21
19-13
19-15
25-56
48
23.91
14.87
19.77
19.99
26.23
49
25-13
15-63
20.45
20.81
26.86
50
26.47
16.46
21.26
21.68
27.51
51
27.97
17.41
22.17
22.54
28.15
52
29-59
18.42
23-05
23.42
28.80
53
31-34
19-57
23-87
24-33
29-45
54
33-22
20.85
24-73
25.26
30.11
55
35-29
22.24
25-55
26.19
30.76
* Same as modified preliminary term.
t Same as full preliminary term, also as Illinois, Michigan and
Tennessee and, virtually, same as Wisconsin.
COMPARATIVE ist YEAR'S MARGINS.
FIFTEEN PAYMENT LIFE.
Canadian
*Com.
Full
OEM]
Am. Ex.
Life
of
Prelim.
Age.
Sel. & Ult.
Sel. & Ult.
Officers'.
Fifteen.
tlllinois.
Term.
20
II. 15
9-05
7.18
5-94
'13.18
17.61
21
11.23
9.1 1
7.16
6.18
13-47
17.96
22
11.36
9.19
7.40
6.44
^}>-l^^
18.33
23
11.47
9-23
7.84
6.72
14.07
18.71
24
11.64
9-25
8.36
7.01
14.40
19.10
25
11.76
9-34
8.80
7-31
14-74
19-52
26
11.89
9-43
9.20
7-63
15.08
19-94
^7
12.08
9-49
9-47
7.96
15-43
20.37
28
12.25
9-55
9.71
8.30
15.80
20.82
29
12.48
9.67
9-97
8.67
16.18
21.29
30
12.71
9-75
10.23
9-05
16.57
21.77
31
12.93
9.86
10.59
9.46
16.99
22.27
Ty-^
13.21
9-97
11.00
9.88
17.41
22.78
33
13-52
10.06
11-43
10.30
17.82
23-29
34
13.86
10.19
11.86
10.77
18.28
23.84
35
14.19
10.34
12.28
11.26
18.75
24.40
36
14-55
10.50
12.66
11.77
19.23
24.97
2^1
14.98
10.67
13.06
12.30
19.72
25-57
38
15-47
10.87
13-53
12.85
20.22
26.17
39
15.98
11.07
14.05
13-44
20.75
26.79
40
16.53
11-33
14.70
14.04
21.29
27-43
41
17.14
11-57
15-44
14.69
21.85
28.09
42
17.76
11.87
16.17
15-35
22.43
28.76
43
18.48
12.14
16.83
16.07
23-04
29.46
44
19.32
12.56
17-51
16.80
23-65
30.16
45
20.12
12.97
18.07
17-56
24.28
30.87
46
21.06
13-41
18.57
18.34
24.91
31.60
47
22.08
13-97
19-13
19-15
25-56
32.32
48
23.20
14.61
19.77
19.99
26.23
33-06
49
24-38
15-38
20.45
20.81
26.86
33-75
50
25.66
16.16
21.26
21.68
27-51
34-46
51
27.09
17.07
22.17
22.54
28. IS
35-14
52
28.64
18.10
23-05
23.42
28.80
35-82
53
30-34
19.27
23-87
24-33
29-45
36.49
54
32-14
20.49
24-73
25.26
30. 1 1
37.U
55
34-12
21.84
25.55
26.19
30.76
37.77
5^'
36.25
23-38
26.39
27.13
3^-42
38.39
57
38.58
25.07
27.26
28.10
32.08
38.99
58
41. 12
26.95
28.19
29.07
32.74
39.57
59
43-87
29.06
29.02
30.05
33-30
40.11
60
46.80
31-31
29.81
31.04
34.06
40.64
* Modified Preliminary Term, New Jersey, same,
t Also Michigan and Tennessee and, virtually, Wisconsin, the
same.
COMPARATIVE ist YEAR'S MARGINS.
TEN PAYMENT LIFE.
Canadian
*Com.
Full
OCM]
Am. Ex.
Life
of
Prelim.
Age.
Sel. & Ult.
Sel. & Ult.
Officers'.
Fifteen.
■'■Illinois.
Term.
20
10.7S
::-^5
7.18
5-94
13.18
26.09
21
10.84
8.91
7.16
6.18
13-47
27.18
22
10.95
8.99
7.40
6.44
13.76
27.69
2d>
11.05
9.02
7.84
6.72
14.07
28.22
24
11.20
9-05
8.36 •
7.01
14.40
28.77
25
11.31
9.12
8.80
7-31
14.74
29-34
20
11-43
9.20
9.20
7-63
15.08
29-93
27
11-59
9.26
9-47
7.96
15-43
30.53
28
"•75
9-32
9.71
8.30
15.80
31-15
29
11-95
9.42
9-97
8.67
16.18
31.80
30
12.16
9-50
10.23
9-05
16.57
32.47
31
12.35
9-59
10.59
9-46
16.99
33-16
z^
12.61
9.70
11.00
9-88
17.41
33-88
z?,
12.89
9.78
11-43
10.30
17.82
34-59
34
13.20
9.91
11.86
10.77
18.28
35-35
^1
13-49
10.01
12.28
11.26
18.75
36.13
36
13-84
10.18
12.66
11.77
19.23
36.92
2,7
14.22
IO-35
13.06
12.30
19.72
37-75
38
14.66
10.56
13-53
12.85
20.22
38-58
39
15.12
10.74
14-05
13-44
20.75
39-44
40
15.60
10.97
14.70
14.04
21.29
40.32
41
16.15
11.25
15-44
14.69
21.85
41.22
42
16.73
11.47
16.17
15-35
22.43
42.14
43
17.36
11-73
16.83
16.07
23-04
43-10
44
18.12
12.12
17-51
16.80
23-65
44-05
45
18.86
12.50
18.07
17-56
24.28
45-03
46
19.69
12.93
18.57
18.34
24.91
46.01
47
20.61
13-44
19-13
19-15
25-56
46.99
48
21.62
14-05
19.77
19.99
26.23
47-99
49
22.66
14-73
20.45
20.81
26.86
48.93
50
23.82
15-51
21.26
21.68
27-51
49-89
51
25.10
16.39
22.17
22.54
28.15
50.82
52
26.50
17-33
23-05
23.42
28.80
51-73
53
28.02
18.40
23.87
24-33
29-45
52.63
54
29.64
19.60
24-73
25.26
30. 1 1
53-49
55
31-41
20.86
25-55
26.19
30.76
54.32
56
3332
22.33
26.39
27.13
31.42
55-11
57
35-40
23-93
27.26
28.10
32.08
55-86
58
37-66
25-71
28.19
29.07
32.74
56.56
59
40.15
27.71
29.02
30.05
33-39
57-20
60
42.76
29.82
29.81
31.04
34.06
57-80
61
45-63
32.24
30.55
32.02
34-71
58.32
62
48.71
34.84
31.27
3300
35.37
58.77
^^
52.11
37.77
31-93
33-99
36.03
59-15
64
55-72
40.96
32.73
34-95
36.67
59-44
65
59-63
44-46
33.68
35-88
37-30
59.62
* Modified Preliminary Term, New Jersey, same.
t Also Michigan and Tennessee and, virtually, Wisconsin, the
COMPARATIVE ist YEAR'S MARGINS.
TWENTY YEAR ENDOWMENT.
- --
- -
"
tCommittee
§Mich.
Qim
Am. Ex.
Life
of
and
Age.
Sel. & Ult.
Sel. & Ult.
Officers',
Fifteen. =•
'Illinois.
Tenn.
20
10.58
>^-77
7.18
5-94
13.18
31.36
21
10.68
8.81
7.16
6.18
13.47
31-35
22
10.80
8.87
7.40
6.44
13.76
31-35
23
10.94
8-95
7.84
6.72
14.07
31-35
24
1 1 .09
9.01
8.36
7.01
14.40
31-35
25
11.23
9.09
8.80
7-31
14-74
31-35
26
11-39
9.16
9.20
7-63
15.08
31-35
27
11-59
9.26
9-47
7.96
15-43
31-35
28
11.78
932
9.71
8.30
15.80
31-35
29
11-99
9.42
9-97
8.67
16.18
31-36
30
12.24
9-50
10.23
9-05
16.57
31-37
31
12.50
9.60
10.59
^it
16.99
31-39
2>^
12.80
9-75
11.00
9.88
17.41
31-41
Z2>
13.07
9.86
11-43
10.30
17.82
31-40
34
1344
10.03
11.86
10.77
18.28
31-44
35
13.82
10.16
12.28
11.26
18.75
31-47
36
14.20
10.33
12.66
11-77
19.23
31-50
Z7
14-65
10.49
13.06
12.30
19.72
31-55
38
15.16
10.71
13-53
12.85
20.22
31-59
39
15-65
10.94
14-05
13-44
20.75
31-65
40
16.24
11.21
14.70
14.04
21.29
31-72
41
16.88
11-45
15-44
14.69
21.85
31-80
42
17-54
11.76
16.17
15-35
22.43
31-90
43
18.30
12.06
16.83
16.07
23.04
32.02
44
19.16
12.48
17-51
16.80
23-65
32.15
45
20.02
12.92
18.07
17-56
24.28
32.29
46
21.02
13.40
18.57
18.34
24.91
32.44
47
22.08
13-97
1913
19-15
25-56
32.61
48
23.21
14-63
19-77
19.99
26.23
32.80
49
24.46
15-38
20.45
20.81
26.86
32.96
50
25-83
16.16
21.26
21.68
27-51
33-15
51
2733
17-17
22.17
22.54
28.15
33-34
52
28.94
18.21
23-05
23.42
28.80
33-54
53
30.71
19-35
23.87
24-33
29-45
33-77
54
32.61
20.64
24.73
25.26
30. 1 1
34.01
55
34-68
22.04 25.55
Preliminary Term.
26.19
New Jersey
30.76
, same.
34-27
t Modified
* Also, virtually, Wisconsin.
§ Full Preliminary Term.
COMPARATIVE ist YEAR'S MARGINS.
FIFTEEN YEAR ENDOWMENT.
Canadian
■^Committee
Full
OLMJ
Am. Ex.
Life
of
Prel.
Age.
Sel. & Ult.
Sel. & Ult.
Officers'.
Fifteen.
tlllinois.
Term.
20
W.93
8.43
7.18
5-94
.3.18
46.90
21
10.00
8.48
7.16
6.18
13-47
46.88
22
10.12
8-54
7.40
6.44
13.76
46.87
23
10.24
8.62
7.84
6.72
14.07
46.86
24
10.39
8.64
8.36
7.01
14.40
46-85
25
10.50
8.70
8.80
7-3^
14-74
46.84
26
lO.f)/
8.82
9r20
7-^3
15.08
46.83
27
10.85
8.88
9-47
7.96
15-43
46.81
28
11.03
8.98
9.71
8-30
15.80
46.80
29
11.22
9.07
9-97
8.67
16.18
46.79
30
11-45
9.17
10.23
9-05
16.57
46.78
31
11-73
9.27
10.59
9.46
16.99
46-77
3~
11.98
9.40
11.00
9.88
17.41
46.76
33
12.27
9-5 1
11-43
10.30
17.80
46-73
34
12.60
9-65
11.86
10.77
18.28
46.73
35
12.91
9.79
12.28
1 1.26
18.75
46.72
36
13.28
9-94
12.66
11.77
19.23
46.71
37
13-70
10.13
13.06
12.30
19.72
46.71
38
14.14
10.31
13-53
12.85
20.22
46.69
39
14.67
10.54
14-05
13-44
20.75
46.69
40
15.22
10.82
14.70
14.04
21.29
46.68
41
15.81
11.05
15-44
14.69
21.85
46.69
42
16.41
11-33
16.17
15-35
22.43
46.70
43
17-13
11-57
16.83
16.07
23.04
46.72
44
17-95
12.02
17-51
16.80
23-64
46.74
45
18.72
12.44
18.07
17-56
24.28
46-76
46
19.67
12.93
18.57
18.34
24.91
46.78
47
20.65
13-44
19-13
19-15
25-56
46.81
48
21.78
14.10
19.77
19.99
26.23
46.84
49
22.95
14-83
20.45
20.81
26.86
46.82
50
24.23
15.62
21.26
21.68
27-51
46.82
51
25-65
16.57
22.17
22.54
28.15
46.79
5-^
27.19
17.60
23-05
23.42
28.80
46.76
53
28.89
18.73
23-87
24-33
29-45
46.74
54
30.69
19.96
24-73
25.26
30. 1 1
46.70
55
32-65
21.32
25-55
26.19
30.76
46.65
56
34-83
22.86
26.39
27.13
31-42
46.60
57
37-^4
24.56
27.26
28.10
32.08
46.55
58
39-70
26.44
28.19
29.07
32-74
46.49
59
42-44
28.55
29.02
30-05
33-39
46.42
60
45-42
30.88
29.81
31.04
34.06
46.36
* Modified Preliminary Term. New Jersey, same.
t Michigan, Tennessee and Wisconsin, virtually, the same.
COMPARATIVE ist YEAR'S MARGINS.
TEN YEAR ENDOWMENT.
Canadian =
^= Committee
Full
OC"^]
Am. Ex.
Life
of
Prel.
Age.
20
Sel. & Ult.
8.57
Sel. & Ult.
7-73,
Officers'.
7.18
Fifteen.
tlllinois.
13.18
Term.
78.76
21
8.63
7.7S
7.16
6.18
13-47
78-74
22
8.72
7M
7.40
6.44
13.76
78.72
23
8.82
7-89
7-84
6.72
14.07
78.70
24
8.95
7-97
8.36
7.01
14.40
78.68
2S
9.06
8.03
8.80
7-31
14-74
78.66
26
9.19
8.07
9.20
7-63
15.08
78-64
27
9-33
8.15
947'
7.96
15-43
78.61
28
9.48
8.25
9.71
8-30
15.80
78-59
29
9-63
8.31
' 9-97
8.67
16.48
78-57
30
9.86
8.42
10.23
9-05
16.57
78-54
31
10.03
8.50
10.59
9.46
16.99
78-51
32
10.27
8.61
11.00
9.88
17.41
78-49
33
10.54
8.71
11-43
10.30
17.82
78-43
34
10.79
8.84
11.86
10.77
18.28
78.41
35
11.08
8.93
12.28
11.26
18.75
78-37
36
IT.41
9.08-
12.66
11.77
19.23
78-33
37
^^■75
9-30
13.06
12.30
19.72
78-29
38
12.13
9.49
13-53
12.85
20.22
78-23
39
12.55
9.70
14.05
13-44
20.75
78.18
40
12.99
9.89
14.70
14.04
21.29
78.12
41
13-50
10.14
15-44
14.69
21.85
78.06
42
14.09
10.40
16.17
15-35
22.43
78.00
43
1 4.60
10.67
16.83
16.07
23.04
77-94
44
15-33
11.04
17-51
16.80
23-65
77-87
45
16.03
11.42
18.07
17-56
24.28
77-79
46
1 6.8b
11.89
18-57
18.34
24.91
77.71
47
17-63
12.33
19-13
19-15
25-56
77.61
48
t8.s8
12.96
19-77
19.99
26.23
77-50
49
19-58
13.60
20.45
20.8 T
26.86
77-33
50
20.68
14.36
21.26
21.68
27-51
77.17
51
21.89
15.21
22.17
22.54
28.15
76-96
52
23.20
16.14
23-05
23-4:2
28.80
76-73
53
24.66
17.17
23.87
24-33
29-45
76-48
54
26. T 9
18.38
24-73
25.26
30. 1 1
76.20
55
27.89
19.60
25-55
26. T9
30.76
75.88
5^>
29.79
21.04
26.39
27- T 3
3^-42
75-52
57
3f-79
22.63
27.26
28.TO
32.08
75-^3
5«
34.00
24.38
28.19
29.07
32.47
74-71
59
36.42
26.35
29.02
30.05
33-39
74-23
60
39-03
28.46
29.81
3T.04
34.06
73-7^
6t
41-83
30.85
30.55
32.02
3471
7^■'i(^
62
44-90
33-44
31.27
33-00
y>37
72-55
^'3
48.26
.36.32
3t.93
33-<»
36.03
7r-89
'^•4
5F.8;
39.31
32-73
34-95
36.67
71.17
r.s
55-^2
43-04
33-68
35-88
3730
70.37
* Mrxjififd PrcHtiiinary 1\Tni. Xcw T<.M-soy, same.
t Michigan. Tennessee and, \ irlually, \\'isconsin, the same.
ULTIMATE MORTALITY RATES.
Age.
OM(10)_
Am. Ex.
2Q
.00664
.007805
21
.00670
•007855
22
.00676
.007906
^Z
.00684
•007958
24
.00691
.008011
25
.00700
.008065
26
.00710
.008130
27
.00720
.008197
28
.00731
.008264
29
.00744
•008345
30
•00757
.008427
31
.00772
.008510
z^
.00788
.008607
33
.00806
.008718
34
.00825
.008831
35
.00846
.008946
36
.00870
.009089
?,7
.00895
•009234
38
.00923
.009408
39
•00953
.009586
40
.00986
.009794
41
.01022
.010008
42
.01062
.010252
43
.01105
.010517
44
.01153
.010829
45
.or 205
.011163
46
.01261
.011562
47
.01323
.012000
48
.01391
.012509
49
.01465
.013106
50
.01546
.013781
51
•01635
.014541
52
.0173 c
.015389
53
.01837
•016333
54
•01953
.017396
55
.02079
.018571
56
.02217
.019885
57
.02367
•021335
58
.02532
.022936
59
.02711
.024720
60
.02907
.026693
61
.03121
.028880
62
•03355
.031292
^>3
.03610
•033943
64
.03888
.036873
^'5
.04192
.040129
66
.04522
•043707
67
.04883
.047647
68
.05276
.052002
69
•05704
.056762
70
.06169
.061993
71
.06676
.067665
72
.07228
•073733
73
.07828
.080178
74
.08479
.087028
75
.09187
.094371
Actuaries.
.00729 1
•007377
.007464
.007564
.007666
.007770
.007887
.008006
.008139
.008275
.008425
.008578
.008747
.008919
.009095
.009288
.009485
.009687
.009906
.010131
.010362
.010612
.010894
.011251
.011697
.012212
.012839
.013516
.014260
.015061
•015939
.016898
.017947
.019093
.020313
.021664
.023126
.024679
.026386
.028246
.030336
.032612
.035120
.037840
.040826
.044082
.047614
.051474
•055630
.060087
•064933
.070158
.075805
.081883
.088468
.095560
.0063290
.0067250
.0068442
.0067641
.0066394
.0066301
.0066851
.0069044
.0071717
•0074333
.ooy'j22y
.0079174
.0081049
.0082851
.0085037
.0087737
.0091086
•0094637
.0097804
.0100816
.0103058
.0104868
.0107344
.0111269
.0115565
.0121921
.0129403
.0137022
.0144398
.0152200
•0159503
.0166699
.0175493
.0186005
.0197341
.0210335
.0224529
.0239898
.0256258
.0275387
.0296776
.0320384
•0346362
0.374902
.0404103
.0434306
.0465688
.0498888
•0532341
.0573400
.0621918
.0680502
.0749400
.0828602
•09 II 953
.0983613
ULTIMATE MORTALITY RATES.
Ace.
0^(10).
Am. Ex.
Actuaries.
HM.
76
•09954
.102311
.103179
.1063719
77
.10787
.111064
.111469
.1146860
78
.11688
.120827
.120444
.1232129
79
.12664
• 131734
.130065
• 1330595
80
.13720
.144466
.140406
• 1446519
81
.14860
.158605
.151436
.1580361
82
.16089
.174297
.163194
•1713517
83
.17414^
.191561
.175912
• 185853b
84
.18840
•211359
.189678
.1988771
85
.20371
•235552
•205095
.2098857
86
.22013
.265681
.222480
•2196545
87
.23771
.303020
.242234
.2312294
88
.25648
.346692
.265274
.2392996
89
.27649
•395863
.292382
.2531969
90
.29777
•454545
•323730
.2794521
91
.32032
.532466
.360987
•3127377
92
•34417
•634259
•405263
•3513UG
93
.36930
•734177
.457227
•4157783
94
•39569
•857143
.516304
.5072992
95
.42329
1 .000000
•584270
.6370371
96
•45205
.648649
•8163265
.48187
.692308
1. 0000000
98
.51264
.750000
99
•54421
1. 000000
100
•57640
lOI
.60902
102
.64184
103
.67460
104
.70701
105
1. 00000
SELECT RATES OF MORTALITY.
Age at
First Year.
Second Year.
Third
Year.
Entry
Am. Ex.
Am. Ex.
Am. Ex.
[x].
0[M]
Sel. & Ult.
0[M]
Sel. & Ult.
Oi^l Sel. & Ult.
20
.00261
.003903
00437
.005106
.00502
.005930
21
.00264
.003928
00442
•005139
.00507
•005969
22
.00268
•003953
00446
.005173
.00512
.006008
23
.00272
.003979
00451
.005207
.00518
.006049
24
.00276
.004006
00457
.005242
•00525
.006098
25
.00281
.004033
00463
.005285
•00532
.006148
26
.00286
.004065
00469
.005328
.00540
.006198
27
.00292
.004099
00476
.005372
•00549
.006259
28
.00298
.004132
00484
•005424
.00558
.006320
29
.00305
•004173
00493
.005478
.00569
•006383
30
.00312
.004214
00502
•005532
.00580
.006455
31
.00321
.004255
00512
■005595
■00592
.006539
32
.00329
.004304
00523
.005667
.00606
.006623
33
.00339
•004359
00536
■005740
.0062 T
.0067 TO
34
.00350
.004416
00549
■005815
■00637
.006817
35
.00361
•004473
00564
.005908
■00655
.006926
36
.00374
•004545
00580
.006002
.00675
.007056
37
.00388
.004617
00597
.006 1 1 5
.00696
.007190
38
.00403
.004704
00616
.0062^1
.00719
.007346
39
.00420
•004793
00637
.006366
■00745
.007506
40
.00438
.004897
00660
.006505
.00773
.007689
41
.00458
.005004
00685
.006664
.00803
.007888
42
.00480
.005126
00713
.006836
.00836
.008122
43
.00504
•005259
00742
.007039
•00873
.008372
44
.00530
•005415
00775
.007256
•00913
.008672
45
.00558
.005582
oo8tt
■007515
.00956
.009000
46
.00590
.005781
00850
.007800
.OTOO4
.009382
47
.00624
.006000
00893
.008131
.OTO56
.009830
48
.00661
.006255
00940
.008519
.OTIT3
•OTO336
49
.00702
•006553
00991
.008958
•OIT75
.010906
50
.00746
.006891
01047
.009452
.OT244
.011542
51
■00795
.007271
01 108
.010003
.OT3T8
.012250
52
.00849
•007695
01 175
.010616
■OT399
.013047
53
.00907
.008167
01249
.01 T 307
.01488
.OT3928
54
.0097 T
.008698
or 329
.012071
.OT586
.OT49T4
55
.01040
.009286
OT416
.012925
.OT692
.016001
5^
.OTII7
.009943
015 IT
.013868
.01808
.017202
57
.0T200
.010668
01616
.014908
■01935
.018540
58
.OT29T
.01 T 468
01730
.016068
.02073
.020020
59
.01390
.012360
01855
•OT7350
■02225
.02 T 660
60
.OT499
•OT3347
0199T
.018772
■02390
.023469
61
.ot6t8
.014440
02140
.020340
.02571
•025457
62
.01748
.015646
02302
.022063
.02768
027655
63
.01889
.016972
024.80
.023967
.02983
.030007
64
.02044
■018437
02674
.026084
.03218
.032780
65
.02213
.020065
02885
.0284 TO
•03474
■o^S735
SELECT RATES OF MORTALITY.
Ageal
Fourth
Year.
Fifth
Year.
Sixth Year.
Entry
Am. Ex.
Am. Ex.
Am. Ex.
[x].
Ot"^]
Sel. & Ult.
Ot"^]
Sel. & Ult.
OtM]
Sel. & Ult.
20
•00530
.006764
.00571
.007610
.00602
.008065
21
•00545
.006809
•00578
.007662
.00610
.008130
22
•00552
.006855
.00586
.007724
.00619
.008197
23
•00559
.006911
.00594
.007787
.00629
.008264
24
.00567
.006967
.00603
.00785 1
.00639
.008345
25
.00576
.007024
.00614
.007928
.00651
.008427
26
•00585
•007093
.00625
.008006
.00664
.008510
27
:oo595
.007163
.00637
.008085
.00678
.008607
28
.00607
•007234
.00650
.008177
.00693 .
.008718
29
.00619
.007316
.00664
.008282
.00710
.008831
30
•00633
.007410
.00680
.008389
.00728
.008946
31
.00647
.007506
.00698
.008499
.00748
.009089
32
.00664
.007604'
.00717
■008635
.00770
.009234
7^7^
.00681
.007726
.00737
.008772
.00794
.009408
34
.00701
.007849
.00760
.008938
.00820
.009586
35
.00722
•007997
•00785
.009107
.00849
■009794
36
•00745
.008148
.00812
•009304
.00880
.010008
37
.00770
.008325
.00842
.009508
.00915
.010252
38
.00798
.008507
.00874
.009739
■00952
.010517
30
.00829
.008714
.00910
.009991
■00993
.010829
40
.00862
.008939
.00948
.010288
.01038
.011163
41
.00898
.009205
.00991
010605
.OT087
.011562
42
.00938
.009489
.01037
.010984
.01140
.012000
43
.00981
.009828
.01088
.011400
.01199
.012509
44
.01028
.010200
.01143
.011884
.01263
.013106
45
.01080
.010633
.01204
.012451
•01333
.013781
46
.01137
.011140
.01270
.013092
.01410
.014541
47
.01199
.011714
•01343
.013814
•01403
.015389
48
.01267
.012360
.01422
.014620
•01585
•016333
40
.01341
.0x3081
.01509
.015516
.01685
.017396
50
.01422
.013883
.01603
.016526
.01794
.018571
51
.01510
.01^787
.01707
.OT7642
•OT913
.019885
52
.01607
•015785
.01820
.018891
.02044
•021335
53
.01713
.016902
•01943
.020268
.02186
.022936
54
.01828
.018135
.02078
.021789
.02341
.024720
55
•01 955
.OT940^>
.02226
.023484
.02511
.02669 3
5<'>
.02092
.02I0T2
.•02387
•025358
.02697
.028880
57
•02243
.022689
.02562
•027436
.02899
.031292
58
.02408
.024548
.02754
.029727
.03121
■033043
50
■02587
.026598
.02964
.032246
.03362
•03^>«'^73
60
.02783
.028852
•03TO3
•035029
.03625
.040129
r)r
.02997
.031342
.03442
.038123
.03912
.043707
62
.0323 T
.034110
•03715
.041522
.04225
.047647
^'3
.03486
•0371 5 T
.04012
•045265
•045'"'7
.052002
''>4
•037^)4
.040500
•043 36
.049402
.04939
.056762
^>5
.04068
.044202
.04689
053924
•05344
.061993
SELECT RATES OF MORTALITY.
Age at
Seventh Year.
Entry
Am. Ex.
[x].
OLM]
Sel. & Ult.
20
.00633
.008130
21
.00643
.008 1 (97
22
.00653
.008264
23
.00664
.008345
24
.00676
.008427
25
.00690
.008510
26
.00704
.008607
27
.00720
.008718
28
.00738
.00883 1
29
.00757
.008946-
30
.00778
.009089
3T
.0080 1
.009234
3-'
.00826
.009408
3.^
.00853
.009586
34
.00883
.009794
35
.00916
.010008
3^>
•00<)52
.010252
37
.00991
.010517
38
.01034
.010829
39
.01081
.011163
40
.on ^2
.01 1562
41
.OTT 88
.012000
42
.01249
.012509
43
.01316
.013106
44
.01389
.013781
45
.01469
•01454 r
46
•01557
•or 5389
47
.01652
•016333
48
•01757
.017396
49
.01871
.OT857T
50
•o 1 995
.019885
51
.02132
•021335
52
.02281
.022936
53
.02443
.024720
54
.0262 1
.026693
55
.02814
.028880
5^^
.03026
.031292
57
■o?,2S7
•033943
58
.03^09
•03^)873
59
.03784
.040 T 29
60
.04084
.043707
61
.0441 T
•047<^'47
62
.047<')7
.052002
63
•05155
.056762
64
•05578
.061993
65
.06039
.067665
Eighth Year.
Am. Ex.
OLMJ Sel. & Ult.
.00665 .008 1 97
.00676 .008264
.00688 .008345
.00700 .008427
.00714 .008510
.00729 .008607
.00746 .008718
.00764 .00883 1
.00784 .008946
.00806 .009089
.00829 .009234
.00855 .oo()4o8
.00884 .()0<)586
.00915 .009794
.00949 .010008
.00986 .010252
.01027 •010517
.01071 .010829
.01120 .011163
.01173 .011562
.01231 .07 2000
.01294 .012509
.0T364 .013106
.01440 .013781
.01523 .014541
.01613 .015389
.01712^ .016333
.01821 .017396
.019^9 .018:^71
.02068 .019885
.02210 .021335
.02364 .022936
.02532 .024720
.02716 .026693
.02917 .028880
.03136 .031292
■0337f> ^033943
•03*^^37 •03^^873
.03922 .040129
.04232 .043707
.04571 .047647
.04940 .052002
.05342 .056762
.05780 .061993
.06257 .067665
•06776 .073733
Ninth Year.
Am. Ex.
Ol^J Sel. & Ult.
.{)()( )99 .008264
.007 1 I •008345
.00724 .008427
.00738 .008510
.00754 .008607
.00771 .008718
.00789 .008831
.00810 .008946
.00832 .009089
.00857 .009234
.00883 .009408
.00913 .009586
.00945 ^009794
.00980 .010008
.oiorS .010252
.01060 .010517
.01106 .010829
.01156 .011163
.01210 .011562
.01270 .012000
.01336 .012509
.01407 .013106
.01485 .013781
.01571 .014541
.01664 .015389
.01766 .016333
.01878 .017396
.02000 .018571
.02133 .019885
.02278 .021335
.02437 .022936
.0261 T ,024720
.02800 .026693
.03007 .028880
.03233 .031292
•03479 -033943
•03748 -036873
.04041 .040129
.04361 .013707
.04710 .047647
.05089 .052002
•05503 .056762
.05954 .061993
.06444 .067665
.06(^78 .o7373.'^
•07558
.080178
SELECT RATES OF MORTALITY.
Age at
Tenth Year.
Eleventh Year._
Entry
Am. Ex.
Am. Ex.
[x].
OtM]
Sel. & Ult.
QM
Sel. & Ult.
20
•00733
•008345
•00757
.008427
21
.00746
.0084^7
.00772
.008510
22.
.00761
.008510
.00788
.008607
23
.00777
.008607
.00806
.008718
24
.00794
.008718
.00825
.008831
25
.00814
.008831
.00846
.008946
26
.00834
.008946
.00870
.009089
-V
.00857
.009089
.00895
•009234
28
.00883
•009234
.00923
.009408
29
.00910
.009408
•00953
.009586
30
.00940
.009586
.00986
•009794
31
.00973
•009794
.01022
.oioooS
32
.01009
.010008
.01062
.010252
33
.01048
.010252
.01105
.010517
34
.01091
.010517
•01153
.010829
35
.01138
.010829
.01205
.011163
36
.01189
.01 1 163
.01261
.011562
37
.01245
.011562
.01323
.012000
38
.01306
.012000
.01391
.012509
39
•01373
.012509
.01465
.013106
40
.01447
.013106
.01546
.013781
41
.01527
.013781
.01635
.014541
42
.01614
•014541
.01731
.015389
43
.01710
.015389
.01837
•016333
44
.01815
•016333
•01953
.017396
45
.01929
.017396
.02079
.oi8vi
46
.02054
.018571
.02217
.019885
47
.02190
.019885
•02367
•021335
48
•02339
•021335
•02532
.022936
49
.02502
.022936
.02711
.024720
50
.02680
.024720
.02907
.02669:5
51
.02874
.02669^
.03 1 2 1
.028880
52
.03086
.028880
•03355
.03 1 292
53
•033 1 7
.031292
.03610
•033043
54
•03569
•033043
.03888
•036873
55
•03845
•036873
.04192
.040129
56
•04T45
.040129
.04522
•043707
57
.0447'2
.043707
.04883
•047647
58
.04829
•047647
.05276
.052002
59
.05218
.052002
•05704
.056762
60
.05642
.o-s^^^-jC^i
.06169
.o6i()()3
61
.06103
.o6i()()^
.06676
.067665
62
.06605
.067665
.07228
■^7^7}^'^
63
.07151
•073733
.07828
.080178
64
•07745
.080178
.08479
.087028
65
.08390
.087028
.09187
.094371
Si:i>i:c'i AND ULriMAiii Ri:si:rvhs.
'JMic rates of mortality assniiuM] in cMiiipntino- these reserves are as
follows
First year ..I" insnran.-", :>i)</f "I" tlic ulliinati'
Second •• ■• (i^VV
Thin! •■ •• 7')%
F.,urlh •■ " 857o '•
Fiflli •' " J)5%
TlHTOfifter " 100%
The ulliiiiate rales are taken as llic rates aeei.rdiii.-i' to the Ameri-
■ean Ex])erieiice ^Pahle. The "Seleet and ritiuiate Table" on this basis,
with eonnimtatioii eolumns at .".^ and :\V/r , is iiiveu in the second
edition of "T^raetieal Lessons in Aetna rial Seieiiee," The Spectator Co.,
Xew Yorl^.
The ,u-eneral fornnihi for tci-niinal reserves by the select and nlti-
mate nietlio<l is as follows:
.A[x] = ^'^Ix]...— ^\ hx],n
in whicli all the values are from tlie select portion <d' the table dnring
tlie tirst live years, except I'x , which is always from the ultimate
tal)le.
The mean reserves are com])nted Ity the aencral fornnila:
This method charoes the comi.any with its aetnal liability, as nearly
as ])ossil)le, allowin- for selection. The <dfect .d" it. as compared with the
full net ].rendnm reserves by the usual formula, is to allow the gains
from mortalitv during the first five years as an offset to the initial ex-
pense incurred in securing these fresh lives. The amount tbns allowed
is shown in the tirst column in the terminal reserve tables. The
minus sign indicates that at that ]»<.int the present value of the net
])reminnis by the ultimate table exceeds the in-esent value of the ■-
fiurance benetits by the select and ultimate table.
After the Hfth year the reserves, both terminal and mean,
the full net premium reserves by the usnal fornnila.
The amount of provision for initial expense, including the load-
ing on the first year's ]uvmlum, afforded by this method, the gross
m-
are
SELECT AND ULTIM.\TE RESERVES.
preininnis being for o^r, tho.>^e in use hy tlio Now York l.ifc and
other eoni]ianies, and for 'd^/c those in use by the New England com-
panies, is given for certain selected plans, at age 35, in the following
tables :
3%
ri.ui.
Preniimn.
Loading.
Allowed.
Life,
28.11
7.03
10.75
Life,
20 r.,
38.34
8.49
10.. 52
Life,
ir. v..
45.91
9.57
10.37
Life,
10 p..
01.53
11.80
10.02
End.
20 Years,
52.47
10.50
10.21
End.
15 Years,
70.50
13.08
9.86
End.
10 Y'ears.
107.70
1 8.40
y4%
9.04
PliUl,
Premium.
Loading.
Allowed,
Life,
27.30
7.39
10.67
Life,
20 P.,
3(') . 00
8.60
10.48
Life,
15 P.,
42 . GO
9.55
10.34
Life,
10 P.,
5G.30
11.52
10.01
End.
20 Years,
50.80
10.68
10.16
End.
15 Years,
68.60
13.23
9.79
End.
10 Years,
105.60
18.58
S.93
Total.
Per cent.
17.78
.63
19.01
.50
19.94
.44
21.82
.36
20.71
.40
22.94
.33
27.44
.24
'I'otal.
Per
eent.
18.06
.66
19.08
.53
19.89
.47
21.53
.39
20.84
.41
23.02
.34
27.51
.26
Thaf the ratios oni])l()yed in computing the mortality for the select
portion of this table are conservative and safe is indicated by the
following ratios, computed by Mr. Arthur Hunter, A.I.A., and pub-
lished in Vol. VIII, p. 127, of the Transactions of the Actuarial
Society of America :
RATIO OF ACTUAL TO EXPECTED DEATHS BY THE AMERICAN RATE
OF
MORTALITY.
Actuarial
Aggregate
Society's
Experience
Excess
[nsurance
Specialized
British
of Specialized
Years.
Investigation.
Ofliccs.
over Br. OflBces.
1
54%
43%
117o
2
71%
63%
8%
3
76%
71%
5%
4
80%
77%
3%
5
85%
82%
3%
The ratios entitled "Actuarial Society's Specialized Investigation"
were deduced from lives for the most part deemed defective in some
regard, but, notwithstanding, arc on the average not far from these
ratios. The ratios entitled "Aggregate Experience British Offices" are
from select lives and in every case are enough lower than the ratios
employed, to assure that they afford a margin for safety.
AMERICAN EXPERIENCE TABLE.
SELECT AND ULTIMATE VALUES.
3%
3%
SELECT AND ULTIMATE.
NET SINGLE I^KEMIU^rS, LIFE.
Age.
20
21
22
23
24
25
2U
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
I XI.
324. 6G
329.40
334.30
339.38
344.58
349.95
355.49
361 . 20
367.10
373.16
379.41
385.86
392.53
399 . 38
406.42
413.64
421.11
428.78
436.66
444.75
453.07
461.57
470.32
479.32
488.51
497.90
507.50
517.31
527.29
537.43
547.72
558.17
568.75
579.42
590.20
601.08
611.98
622.95
633.94
644.94
655.92
666.88
677.78
688.60
699.33
709.97
720.43
730.77
740.80
750.90
760.64
[X] : I
331.78
336.70
341.74
346.94
352.32
357.85
363.57
369.45
375 . 53
381.78
388.22
394.88
401.72
408.77
416. 03
423.47
431.17
439.05
447.15
455.47
464.01
472.79
481.80
491.04
500.46
510.08
519.95
530.02
540.22
550.62
561.14
571.81
582.60
593.50
604.49
615.52
626.63
637.76
648.93
660.07
671.21
682.28
693.31
704.24
715.06
725 . 75
736.27
746.66
756.69
766.80
776.50
ixi ■■
338.37
343.40
348.61
353.97
359.53
365.25
371.12
377.18
383.45
389.89
396.52
403.39
410.41
417.69
425.16
432.83
440.72
448.87
4.57.20
465.74
474.50
483.54
492.79
502.25
511.92
521.81
531.90
542.18
552.62
563.21
573.96
.584.80
595.79
606.86
()17.99
629.19
640.44
651.72
662.96
674.23
685.44
696.59
707.67
718.62
729.46
740.13
750.65
760.99
770.97
780.96
790.62
1X1 : :i.
344.63
349.83
355.19
360.73
366,45
372.33
378.39
384.64
391.10
397.75
404.59
411.62
418.88
426.35
4.34.07
441.95
450.06
458.44
467.00
475.75
484.80
494.05
503.54
513.24
523.15
533.26
543.55
.554.06
564.70
575.49
586.39
597.43
608.56
619.75
631.03
642.38
653.72
665.04
676.39
687.70
698.94
710.10
721.19
732.12
742.92
753 . 53
763.99
774.19
784.04
793.94
803.47
[XJ - 4
350.57
355.93
361.46
367.19
373.05
379.16
385.39
391.82
398.50
405.34
412.36
419.63
427.10
434.80
442.70
450.81
459.18
467.72
476.54
485.. 59
494.83
504.32
514.03
523.97
534.08
544.41
554.92
565.60
576.41
587.34
598.41
609.59
620.81
632.14
643.52
6.54.91
666.30
677.69
689.05
700.36
711.59
722.72
733.74
744.. 58
755.30
765.79
776.09
786.14
795.96
805.58
814.95
10
H
SELECT AND ULTIMATE.
O IMMEDIATE LIFE ANNUITIES DUE.
Age.
[XI.
[X] + X.
[X] ^ 3.
[X] + 3.
IX] ^ 4.
20
23.186
22.941
22.717
22.500
22.297
21
23.024
22.775
22.544
22.322
22.113
22
22.856
22.601
22.364
22.138
21.923
23
22.G81
22.421
22.179
21.948
21.727
24
22.503
22.2.37
21.989
21.752
21.524
25
22.319
22.047
21.794
21.550
21.316
26
22.128
21.851
21.592
21.342
21.102
27
21.933
21.649
21.383
21.127
20.880
28
21.730
21.441
21.169
20.905
20.051
29
21.521
21.226
20.946
20.677
20.417
30
21.306
21.004
20.719
20.442
20.176
31
21.085
20.776
20.484
20.200
19.926
32
20.857
20.541
20.243
19.952
19.670
33
20.622
20.299
19.993
19.695
19.406
34
20.380
20.050
19.736
19.431
19.134
35
20.131
19.794
19.473
19.100
18.855
36
19.875
19.531
19.201
18.881
18.568
37
19.612
19.260
18.923
18.595
18.274
38
19.341
18.981
18.637
18.300
17.972
39
19.063
18.095
18.344
17.999
17.062
40
18.778
18.402
18.041
17.088
17.344
41
18.485
18.101
17.732
17.371
17.018
42
18.185
17.791
17.415
17.046
16.685
43
17.877
17.475
17.090
16.712
16.344
44
17.562
17.151
10.757
16.372
15.997
45
17.239
10.820
16.418
16.025
15.641
46
16.909
16.482
16.072
15.671
15.281
47
16.573
16.137
15.719
15.311
14.915
48
16.230
15.785
15.360
14.945
14.544
49
15.882
15.429
14.996
14.575
14.108
50
15.528
15.008
14.028
14.200
13.788
51
15.169
14.702
14.254
13.822
13.405
52
14.807
14.331
13.878
13.440
13.018
53
14.440
13.957
13.499
13.054
12.630
54
14.070
13.580
13.115
12.668
12.240
55
13.697
13.200
12.731
12.279
11.849
56
13.322
12.819
12.345
11.889
11.456
57
12.945
12.437
11.958
11.500
11.066
58
12.568
12.054
11.571
11.111
10.676
59
12.191
11.071
11.185
10.723
10.288
CO
11.814
11.289
10.800
10.336
9.902
01
11.437
10.908
10.417
9.953
9.520
62
11.063
10 . 530
10.037
9.573
9.142
63
10.692
10.155
9.001
9.198
8.709
64
10.323
9.783
9.289
8.827
8.402
65
9.958
9.416
8.922
8.462
8.041
66
9.598
9.054
8.561
8.104
7.688
67
9.244
8.698
8.206
7.753
7.342
68
8.897
8.349
7.860
7.411
7.005
-69
8.553
8.007
7.520
7.075
6.675
70
8.219
7.673
7.192
0.748
6.3.'53
11
3%
SELECT AND ULTIMATE.
TEEMINAL RESERVES.
ORDINARY LIFE.
Age.
1 Year.
2 Years.
3 Ycar.s,
4 Yenr.s.
5 Years.
20
—9.38
1.27
11.08
20.47
29.. ^4
37.73
21
-9.45
1.52
11.62
21.31
30.49
39.20
22
—9.52
1.77
12.19
22.17
31.68
40.73
23
-9.53
2.03
12.78
23.10
32.96
42.33
24
—9.61
2.31
13.42
24.08
34.26
44.01
25
-9.69
2.59
14.07
25.08
35.68
45.76
26
-9.76
2.89
14.73
26.12
37.08
47.58
27
-9.86
3.20
15.42
27.21
38.56
48.49
28
-9.92
3.52
16.16
28.38
40.18
51.48
29
-10.03
3.86
10.94
29.60
41.81
53.56
30
—10.14
4.20
17.72
30.84
43.48
55.73
31
-10.24
4.59
18.59
32.14
45.31
58.01
32
—10.33
4.97
19.43
33.52
47.18
60.39
33
—10.44
5.37
20.38
34.96
49.15
62.87
34
—10.59
5.78
21.34
36.49
51.20
65.46
35
-10.75
6.19
22.32
38.04
53.33
68.16
36
—10.90
6.65
23.36
39.60
55.58
70.97
37
-11.09
7.09
24.47
41.40
57.87
73.91
38
-11.29
7.55
25.57
43.17
60.31
76.98
39
-11.52
8.02
26.70
44.97
62.85
80.20
40
—11.78
8.49
27.91
40.95
65.49
83.54
41
-12.06
9.01
29.21
48.98
68.28
87.04
42
—12.36
9.56
30.55
51.09
71.16
90.65
43
-12.66
10.11
31.92
53.32
74.17
94.40
44
—13.07
10.60
33.32
55 . 55
77.20
98.25
45
-13.50
11.13
34.79
57.89
80.42
102.20
46
—13.90
11.63
36.23
60.25
83.64
100.21
47
-14.55
12.14
37.72
62.69
86.94
110.31
48
—15.22
12.59
39.19
65.14
90.28
114.47
49
—15.98
12.98
40.60
67.61
93.05
118.69
50
—16.85
13.30
42.13
70 . 09
97.10
122.99
51
—17.77
13.61
43.58
72.63
100.03
127.37
52
-18.82
13.92
45.06
75.24
104.23
131.82
53
—20.00
14 . 15
40.52
77.85
107.85
136.35
54
-21.29
14.29
47.98
80.48
111.57
140.95
55
—22.67
14.36
49.41
83.18
115.30
145.61
56
-24.29
14.41
50.84
85.87
119.13
1.50.33
57
—26.01
14.27
52.25
88.54
122. IK"
155.09
58
—27.93
14.14
53.59
91.24
126.83
1.59.90
59
—30.07
13.85
54.90
93.96
i:;o.7i
164.73
60
—32.42
13.43
56.17
96.67
134.04
169.58
61
-34.96
12.92
57.36
99.35
138.55
174.43
62
—37.79
12.24
58.47
102.01
142.44
170.25
63
-^0.91
11.39
59.46
104.57
146.28
184.03
64
-44.27
10.35
60.35
107.11
150.10
188.71
65
-47.98
9.08
61.07
109.48
153.76
193.29
12
SELECT AND ULTIMATE.
Q% TERMINAL EESERVES.
^ ^ TWENTY -PAYMENT LIFE.
Ase.
1 Year.
2 Years.
.•5 Years.
4 Years.
5 Years.
20
—9.19
10.49
29.68
48.75
67.73
86.62
21
-9.26
10.78
30.27
49.70
69.02
88.29
22
-9.31
11.06
30.91
50.68
70.35
90.01
23
-9.35
11.35
31.56
51.70
71.78
91.78
24
—9.42
11.66
32.26
52.76
73.19
93.61
25
-9.48
11.97
32.97
53.86
74.72
95.49
26
—9.57
12.28
33.65
54.94
76.20
97.42
27
-9.64
12.61
34.39
56.09
77.76
99.42
28
—9.73
12.94
35.14
57.28
79.40
101.47
29
-9.83
13.28
35.91
58.50
81.05
103.57
30
-9.93
13.63
36.70
59.76
82.74
105.74
31
-10.02
14.02
37.56
61.07
84.52
107.98
32
—10.11
14.36
38.35
62.34
86.32
110.26
33
-10.22
14.74
39.25
63.71
88.18
112.62
34
—10.36
15.14
40.15
65.15
90.10
115.03
35
-10.52
15.50
41.05
66.56
92.05
117.52
3G
—10.69
15.89
41.97
68.00
94.05
120.05
37
-10.87
16.25
42.93
69.56
96.07
122.66
38
—11.06
16.65
43.90
71.08
98.22
125.34
39
-11.28
17.04
44.87
72.62
100.41
128.10
40
—11.54
17.42
45.87
74.28
102.64
130.92
41
-11.82
17.84
46.95
75.99
104.94
133.82
42
—12.11
18.24
48.03
77.71
107.31
136.77
43
-12.43
18.66
49.09
79.46
109.70
139.78
44
—12.82
19.00
50.18
81.23
112.10
142.81
45
—13.24
19.33
51.28
83.02
114.58
145.86
46
-13.73
19.66
52.35
84.82
117.05
148.90
47
-14.30
19.97
53.43
86.64
119.50
151.93
48
—14.95
20.21
54.47
88.40
121.92
154.94
49
—15.70
20.37
55.46
90.15
124.33
157.93
50
—16.57
20.45
56.40
91.85
126.71
160.90
51
—17.51
20.49
57.33
93.56
129.13
163.87
52
—18.51
20.50
58.23
95.25
131.50
166.82
53
-19.69
20.40
59.06
96.91
133.90
169.76
54
—20.98
20.27
59.89
98.62
136.31
172.69
55
-22.37
20.04
60.63
100.25
138.67
175.61
56
—23.97
19.67
61.32
101.88
141.01
178.51
57
-25.70
19.22
62.05
103.47
143.35
181.40
r>s
-27.61
18.73
62.66
105.08
145.70
184.26
r.i»
-29.76
18.05
63.22
106.63
148.02
187.10
«JU
-32.08
17.28
63.68
108.13
150.34
189.91
3%
SELECT AXJ) I J.TLMATE.
TEKMINAL KESEKA ES.
FIETEEN-PAYMENT LIFE.
Age.
1 Year.
a Yeai!«.
3 Y.ais.
1 V<11IN.
.-, \i»,H.
20
—9.06
15.97
40.76
65.62
90. 02
115. 7.S
21
-9.14
10.36
41.51
66.81
92.23
117.86
22
-9.19
16.71
42.31
68.03
93.91
120.00
23
-9.23
17.08
43.11
69.30
95.65
122 . 20
24
—9.30
17.48
43.98
70.61
97.42
124.48
25
-9.37
17.86
44.85
71.96
99.29
126.81
26
-9.4::
18.28
45.73
73.33
101.15
129.21
27
-9.52
18.70
46.64
74.75
103.08
131.69
2S
-9.-59
19.12
47.59
76.23
105.12
134.2:^
20
-9.68
19.56
48.56
77.74
107.17
1.36.84
30
-9.79
20.00
49.53
79.29
109.25
139.53
31
-9.SS
20.48
50.58
80.91
111.44
142.29
32
-9.97
20.93
51.58
82.48
113.66
145.12
33
-10.08
21.41
52.68
84.17
115.95
148.02
34
-10.21
21.90
53.79
85.91
118.29
150.98
35
-10.37
22.37
54.89
87.65
120.66
154.03
30
—10.51
22.88
56.04
89.43
123.14
157.13
37
—10.70
23.37
57.22
91.29
125.61
160.31
3S
—10.88
23.86
58.39
93.15
128.19
163.55
39
—11.09
24.36
59.57
95.02
130.82
166.88
40
—11.33
24.84
60.80
97.01
133.48
170.27
41
—11.64
25.34
62.06
99.00
136.20
173.73
42
—11.91
25.87
63.33
101.02
138.99
177.24
43
—12.20
26.36
64.63
103.11
141.81
180.79
44
—12.. 58
26.81
65.90
105.18
144.63
184.37
45
—13 . 00
27.24
67.18
107.25
147.51
187.93
46
—13.49
27.67
68.46
109.35
150.34
191.48
47
—14.00
28.09
69.70
111.41
153.16
194.99
4S
—14.66
28.40
70.87
113.40
155.95
198.45
49
-15.41
28.62
72.00
115.35
158.62
201.85
50
-16.23
28.75
73.06
117.23
161.30
205.19
51
—17.14
28.86
74.08
119.10
163.91
208.47
52
-18.17
28.91
75.04
120.92
166.44
211.66
53
—19.31
28.84
75.93
122.62
168.95
214.77
54
-20.57
28.68
76.76
124.33
171.39
217.79
55
—21.91
28.45
77.48
125.96
173.72
220.71
56
-23.51
28.14
78.12
127.47
175.96
223.50
57
—25.21
27.63
78.71
128.87
178.08
226.17
58
-27.12
27.05
79.15
130.23
180.13
228.71
59
-29.17
26.27
79.50
131.46
182.04
231.10
60
-31.48
25.39
79.71
132.57
183.85
233.33
61
-24.01
24.26
79.80
133.57
185.50
235.37
62
-36.83
23.04
79.70
134.43
186.99
237.21
63
-39.92
21.59
79.46
135.09
188.30
238.80
64
-43.28
19.91
79.03
135.62
189.43
240.12
65
-46.98
17.95
78.36
135.91
190.26
241.13
14
3 SELECT AND ULTIMATE.
(Mj TERMINAL RESERVES.
TEN-PAYMENT LIFE.
Agre.
O
1 Year.
a Years.
3 Years.
4 Years.
6 Years.
20
-8.85
27.20
63.37
100.05
137.34
175.30
21
-8.91
27.74
64.44
101.73
139.62
178.23
22
-8.96
28.25
65.57
103.46
141.98
181.24
23
-8.97
28.81
66.73
105.26
144.45
184.35
24
—9.04
29.37
67.94
107.10
146.93
187.56
25
-9.10
29.94
69.18
109.01
149.57
190.85
26
—9.18
30.53
70.43
110.94
152.19
194.24
27
-9.26
31.14
71.71
112.94
154.91
197.74
28
—9.31
31.77
73.07
115.03
157.78
201.34
29
-9.39
32.41
74.44
117.17
160.67
205.03
30
—9.49
33.07
75.83
119.38
163.63
208.83
31
-9.58
33.73
77.31
121.58
166.70
212.73
32
—9.67
34.43
78.76
123.89
169.84
216.74
33
-9.76
35.14
80.32
126.26
173.10
220.85
34
—9.88
35.88
81.89
128.73
176.40
225.06
35
—10.02
36.58
83.48
131.20
179.78
229.38
36
—10.16
37.33
85.11
133.70
183.27
233.79
37
-10.35
38.06
86.79
136.33
186.77
238.31
38
—10.49
38.81
88.49
138.97
190.43
242.93
39
—10.71
39.58
90.19
141.64
194.14
247.65
40
-10.94
40.34
91.91
144.42
197.90
252.46
41
—11.20
41.11
93.75
147.24
201.75
257.37
42
—11.45
41.89
95.54
150.12
205.68
262.35
43
—11.75
42.69
97.45
153.05
209.67
267.39
44
—12.08
43.41
99.26
155.94
213.66
272.49
45
—12.51
44.14
101.09
158.90
217.70
277.61
4G
—12.95
44.87
102.94
161.84
221.75
282.72
47
-13.44
45.55
104.73
164.80
22.-). 78
287.83
48
—14.02
46.15
106.52
167.67
229.77
292.89
49
—14.75
46.70
108.16
170.49
233.68
297.91
50
—15.53
47.16
109.84
173.28
237.57
302.88
51
-16.38
47.56
111.42
176.02
241.43
307.77
52
—17.33
47.88
112.94
178.07
245.20
312.57
53
—18.43
48.11
114.37
181.21
248.79
317.27
54
—19.62
48.24
115.71
183.70
2.52.36
321.83
55
—20.88
48.29
116.94
186.10
2.55.78
326.25
56
—22.36
48.18
118.04
188.32
259.04
330.50
57
—23.95
47.94
119.05
190.38
262.15
334.55
58
—25.74
47.58
119.80
192.33
265.08
3.38.38
59
-27.71
47.03
120.56
104.08
267.79
341.96
t;o
-29.88
46.31
121.04
19.-). 62
270.29
345.28
<n
—32.29
45.38
121.32
196.97
272.. 53
348.29
62
-34.94
44.24
121.41
198.08
274.48
.350.98
63
—37.87
42.91
121.25
198.92
276.12
353.29
64
—41.06
41.29
120.83
199.48
277.46
3.55.18
65
-44.55
39.38
120.12
199.71
278.37
356.60
15
3%
SELECT AND ULTIMATE.
TERMINAL EESERVES.
TWENTY- YEAH ENDOWMENT.
Agre.
o
1 Year.
2 Years.
3 Yearn.
4 Yearn.
5 Yeara.
20
-8. 82
29.12
(57.23
105.94
14.-.. :n
185.47
21
-8.89
29.09
67.19
105.90
145.28
185.44
22
-8.95
29.01
67.17
105.87
145.25
185.42
23
-8.98
29.03
67.15
105.90
145.31
185.41
24
-9.05
28.97
67.12
105.85
145.24
185.40
25
-9.13
28.90
67.10
105.84
145.26
185.39
2G
-9.20
28.83
67.06
105.82
145.24
185.37
27
-9.30
28.80
67.05
105.82
145.24
185.37
28
-9.39
28.70
67.02
105.80
145.27
185.38
29
-9.46
28.70
66.98
105.81
145.27
185.39
30
-9.59
28.66
66.96
105.80
145.27
185.40
31
-9.70
28.60
66.98
105.83
145.28
185.44
32
-9.81
28.50
66.92
105.80
145.34
185.48
33
-9.92
28.50
66.90
105.87
145 . 37
185.54
34
-10.07
28.42
66.91
105.93
145.45
185.61
35
—10.21
28.35
66.92
105.93
145.50
185.71
36
-10.39
28.28
66.95
106.02
145.61
185.82
37
—10.57
28.22
66.91
106.14
145.74
185.97
38
-10.79
28.12
66.95
106.19
145.94
180.15
39
—10.98
28.03
66.96
106.30
146.07
186.39
40
-11.28
27.96
67.03
106.48
146.33
180.67
41
—11.56
27.86
67.08
106.67
146.59
187.01
42
-11.81
27.76
67.17
106.89
146.96
187.38
43
—12.16
27.70
67.29
107.14
147.32
187.80
44
-12.55
27.55
67.36
107.43
147.69
188.25
45
-12.99
27.41
67.47
107.70
148.15
188.73
46
-13.51
27.22
67.55
108.02
148.53
189.21
47
—14.03
27.06
67.70
108.37
149.02
189.71
48
-14.70
26.83
67.75
108.66
149.50
190.21
49
—15.51
26.51
67.81
108.97
149.95
190.73
50
-16.35
26.16
67.82
109.28
150.42
191.27
51
—17.31
25.75
67.85
109.59
150.96
191.86
52
-18.31
25.31
67.85
109.95
151.53
192.50
53
-19.49
24.80
67.84
110.30
152.18
193.20
54
—20.79
24.25
67.85
110.77
152.85
193.90
55
-22.18
23.64
67.80
111.16
153.59
194.80
56
—23.77
22.90
67.73
111.65
154.38
195.70
57
-25.53
22.09
67.73
112.15
155.20
190.68
58
—27.46
21.25
67.65
112.71
156.10
197.74
59
-29.62
20.25
67.58
113.28
157.09
198.80
60
-31.95
19.17
67.41
113.83
158.17
200.07
16
SELECT AND ULTIMATE.
3% TERMINAL RESERVES.
^ ^ FIFTEEN -YEAR ENDOWMENT.
Aee.
o
1 Year.
2 Year.s.
:i Years.
4 Years.
.") Years.
20
-8.47
45.73
100.70
150.92
214.48
273.58
21
—8.53
45.75
100.00
150.87
214.44
273.53
22
-8.59
45.66
100.01
150.81
214.41
273.48
23
-8.G3
45.60
100.57
150.78
214.30
273.43
24
-8.72
45 . 55
100.50
150.75
214.32
273.38
25
—8.79
45.48
100.48
150.71
214.26
273.32
26
-8.8G
45.42
100.41
156.63
214.20
273.26
27
—8.94
45.39
100.39
156.60
214.15
273.21
28
—9.01
45.. 34
100.34
1.56.59
214.14
273.15
29
-9.13
45.24
100.28
156.49
214.08
273.08
30
—9.19
45.19
100.25
156.48
214.06
273.02
31
—9.34
45.10
100.10
1.56.44
213.97
272.96
32
-9.45
44.99
100.09
156.30
213.92
272.88
33
—9.55
44.91
100.04
156.29
213.85
272.81
34
-9.GS
44.83
99.98
156.24
213.79
272.74
35
—9. 86
44.75
99.89
156.18
213.70
272.66
36
—10.01
44.60
99.83
150.13
213.00
272.57
37
—10.20
44.50
99.75
156.00
213.02
272.50
38
-10.39
44.35
99.63
155.99
213.. 50
272.42
39
—10.59
44.20
99.57
155.93
213.49
272.37
40
-10.84
44.08
99.49
155.91
213.47
272.31
41
—11.09
43.89
99.41
155.90
213.45
272.28
42
—11.41
43.77
99.30
155.83
213.39
272.25
43
-11.05
43.01
99.20
155.82
213.44
272.22
44
—12.11
43.32
99.15
155.78
213.39
272.18
45
—12.49
43.12
99.00
155.73
213.43
272.11
4(;
—13.03
42.81
98.89
155.70
213.31
271.99
47
—13.53
42.56
98.70
155.03
213.26
271.84
48
—14.20
42.19
98.48
155.44
213.15
271.62
49
—14.93
41.73
98.24
155.24
212.97
271.36
50
—15.72
41.10
97.88
154.98
212.73
271.04
51
-10.01
40.55
97.49
1.54 . 74
212.47
270.08
52
—17.70
39.90
97.03
154.48
212.13
270.26
53
—18.83
39.16
96.50
154.08
211.80
209.80
54
-20.11
38.33
90.03
153.71
211.47
269.29
55
—21.43
37.47
95.45
153.32
211.05
268.74
50
—23.03
36.49
94.79
152.85
210.63
268.13
57
-24.72
35.39
94.09
152.32
210.12
267.48
58
—20.03
34.20
93.30
151.77
209 . 02
266.77
59
-28.71
32.79
92.41
151.17
209.09
266.01
CO
-;ii.02
31.35
91.48
150.52
208.45
265.19
17
3%
SELECT AND ULTIMATE.
TERMINAL RESERVES.
TEN-YEAR ENDOWMENT.
Agre. O 1 Year. 2 Yearn. 3 Years. 4 Yearn. C Yearn.
20 —7.80 79.62 169.03 260.90 355.66 4.^3.42
21 —7.86 79.57 168.98 260.91 355.58 453.37
22 -7.89 79.54 168.91 260.85 355.52 453.31
23 —7.94 79.48 168.91 260.81 355.49 453.25
24 —8,01 79.42 108.87 200.75 355.43 453.19
25 —8.05 79.38 168.80 260.71 355.39 453.12
26 -8.12 79.29 168.72 260.01 355.33 453.05
27 —8.23 79.25 168.61 260.54 3.55.21 4.52.97
28 -8.28 79.18 108.59 200.50 355.18 452.90
29 —8.37 79.12 168.51 260.43 355.11 452.80
30 —8.45 79.05 168.43 260.36 355.03 452.71
31 —8.53 78.93 168.40 200.30 354.91 452.61
32 —8.68 78.87 168.26 260.18 354.83 452.51
33 —8.75 78.79 168.19 260.12 354.75 452.39
34 —8.88 78.69 168.08 260.03 354.62 452.26
35 —9.04 78.57 167.98 259.89 354.48 452.13
36 —9.15 78.41 167.86 259.73 354.38 451.97
37 —9.38 78.28 167.75 2.59.61 354.23 451.80
38 —9.52 78.11 167.59 259.44 354.04 4.51.61
39 —9.71 78.02 167.42 2.59.28 353.87 451.42
40 —9.97 77.79 167.26 259.16 353.69 4.51.21
41 —10.18 77.58 167.12 2.58.99 353.53 450.99
42 —10.43 77.37 166.85 2.58.78 353.29 450.75
43 —10.73 77.19 106.69 258.59 353.08 4.50.48
44 —11.09 76.87 166.49 2.58.34 352.79 450.18
45 —11.50 76.59 166.21 258.08 352.54 449.83
46 —11.94 76.26 165.90 257.84 352.17 449.41
47 —12.42 75.83 165.55 2.57.43 351.80 448.93
48 —13.01 75.40 165.19 2.57.01 351.33 448.37
49 —13.73 74.90 164.64 2.56.55 350.75 447.72
50 —14.48 74.28 164.12 2.55.92 350.10 440.99
51 —15.29 73.57 163.50 2.55.30 349.44 446.16
52 —16.24 72.83 162.77 254.02 348.70 445.24
53 —17.35 71.98 102.01 253.79 347.69 444.20
54 —18.49 70.99 161.10 252.89 346.71 443.06
55 —19.73 69.96 160.12 251.90 345.61 441.79
56 —21.17 68.78 159.03 250.78 344.40 440.37
57 —22.75 67.50 157.86 249.55 343.04 438.82
58 —24.52 66.09 156.53 248.21 341.56 4.'',7.09
59 —26.48 64.48 155.09 246.73 339.89 435.19
60 —28.64 62.74 153.45 245.11 338.11 433.11
61 —30.97 60.83 151.73 243.34 336.14 430.82
62 —33.67 58.65 149.74 241.34 333.92 428.31
63 —36.55 56.35 147.62 239.20 331.56 425.54
64 —39.79 53.78 145.28 236.82 328.95 422.48
65 —43.32 50.92 142.65 234.21 326.03 419.09
18
^ SELECT AND ULTIMATE.
A% MEAN KESERVES.
ORDINAEY LIFE.
Aee.
1 Year.
2 Yean.
3 Years.
4 Years.
6 Years.
20
3.15
13.38
22.98
32.11
40.74
21
3.39
13.93
23.82
33.26
42.20
22
3.65
14.50
24.70
34.45
43.73
23
3.91
15.09
25.63
35.72
45.34
24
4.22
15.74
26.62
37.04
47.01
25
4.51
16.39
27.63
38.44
48.78
26
4.82
17.06
28.68
39.85
50.58
27
5.13
17.77
29.77
41.34
52.48
28
5.48
18.52
30.95
42.96
54.51
29
5.82
19.30
32.17
44.61
56.59
30
6.17
20.10
33.42
46.30
58.75
31
6.52
20.98
34.76
48.12
61.05
32
6.98
21.86
36.13
50.01
63.44
33
7.40
22.81
37.61
51.99
65.95
34
7.88
23.79
39.15
54.08
68.56
35
8.26
24.80
40.72
56.23
71.29
36
8.74
25.87
42.38
58.49
74.14
37
9.21
26.99
44.15
60.85
77.10
38
9.71
28.14
45.95
63.32
80.23
39
10.22
29.33
47.80
65.88
83.49
40
10.73
30.58
49.81
68.60
86.89
41
11.29
31.92
51.91
71.44
90.47
42
11.87
33.33
54.09
74.40
94.18
43
12.49
34.78
56.38
77.51
98.05
44
13.05
36.24
58.72
80.67
102.01
45
13.65
37.79
61.17
83.99
106.14
46
14.24
39.35
63.66
87.37
110.35
47
14.84
40.98
66.25
90.86
114.67
48
15.40
42.60
68.88
94.42
119.09
49
15.92
44.24
71.56
98.05
123.59
50
16.40
45.89
74.29
101.77
128.22
51
16.90
47.58
77.09
105.61
132.98
52
17.39
49.33
79.99
109.58
137.87
53
17.83
51.09
82.94
113.61
142.86
54
18.23
52.87
85.96
117.76
147.99
55
18. 02
54.66
89.07
122.01
1.53.23
56
18.94
56.51
92.24
126.38
158.61
57
19.20
58.33
95.46
130.81
164.09
58
19.49
60.20
98.75
135.37
169.70
59
19.58
62.06
102.12
140.02
175.41
60
19.64
63.93
105.55
144.79
181.24
61
19.60
65.82
109.04
149.03
187.17
62
19.57
67.70
112.58
154.57
193.19
63
19.36
69.54
116.13
159.54
199.27
64
19.06
71.37
119.75
164.62
205.42
65
18.61
73.13
123.33
169.08
211.58
19
3%
SELE("r AND ULTIMATE.
MEAN RESERVES.
TWENTY- PAYMENT LIFE.
Age.
1 Tear.
3 YtMii-s.
3 YenrH.
4 Years.
5 Years.
20
12.22
31.65
50.78
69.81
88.74
21
12.50
32.26
51.72
71.10
90.39
22
12.79
32.90
52.71
72.43
92.10
23
13.10
33.56
53.73
73.84
93.88
24
13.41
34.25
54.80
75.27
9r..G9
25
13.74
34.96
55.91
76.78
97.60
26
14.05
35.66
56.99
78.27
99.51
27
14.39
36.41
58.15
79.83
101.50
28
14.73
37.17
59.34
81.47
103.56
29
15.08
37.95
60.56
83.13
105.67
30
15.44
38.76
61.82
84.84
107.83
31
15.84
39.63
63.15
86.63
110.09
32
16.22
40.45
64.44
88.42
112.38
33
16.62
41.36
65.84
90.31
114.76
34
17.03
42.28
67.29
92.26
117.20
35
17.44
43.23
68.73
04.23
119.71
36
17.83
44.16
70.21
96.25
122.28
37
18.23
45.13
71.79
98.36
124.91
38
18.66
46.14
73.36
100.52
127.65
39
19.09
47.17
74.96
102.73
130.47
40
19.51
48.22
76.65
105.03
133.35
41
19.96
49.34
78.42
107.41
136.33
42
20.41
50.48
80.22
109.86
139.39
43
20.88
51.04
82.04
112.35
142.51
44
21.30
52.80
83.91
114.87
145.66
45
21.72
53.98
85.83
117.48
148.90
46
22.14
55.18
87.76
120.11
152.15
47
22.53
56.40
89.73
122 . 77
155.41
48
22.88
57.59
91.69
125.41
158.68
49
23.18
58.76
93.65
128.09
161.98
50
23.42
59.90
95.60
130.76
165.28
51
23.64
61.06
97.59
133.49
168.05
52
23.86
62.23
99.61
136.24
172.03
53
23.99
63.36
101.62
139.04
175.4.->
54
24.10
64.53
103.71
141.92
173.95
55
24.16
65.66
105.77
144.79
182.47
56
24.12
66.77
107.87
147.72
186.03
57
24.04
67.92
110.04
150.69
189.66
58
23.93
69.07
112.24
153.76
193.35
59
23.09
70.18
114.47
156.87
197.10
60
23.41
72.29
116.71
160.04
200.93.
•^0
^ SELECT AND ULTIMATE.
A% MEAN RESERVES.
FIFTEEN-PAYMENT LIFE.
ARC,
1 Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
17.62
42.53
67.36
92.29
117.37
21
17.99
43.31
68.54
93.90
119.42
22
18.35
44.10
69.76
95.56
121.55
23
18.74
44.91
71.02
97.29
123.74
24
19.18
45.77
72.34
99.06
125.99
25
19.53
46.64
73.69
100.91
128.33
2G
19.95
47.53
75.06
102.77
130.71
27
20.37
48.45
76.48
104.70
133.17
2S
20.81
49.40
77.96
106.72
135.72
29
21.26
50.38
79.47
108.77
138.32
30
21.71
51.37
81.01
110.87
140.99
31
22.19
52.42
82.64
113.07
143.76
32
22.68
53.45
84.23
115.27
146.59
33
23.17
54.55
85.93
117.57
149.49
34
23.68
55.68
87.68
119.93
152.47
35
24.17
56.80
89.44
122.32
155.51
36
24.70
57.98
91.25
124.80
158.65
37
25.22
59.18
93.14
127.33
161.84
38
25.75
60.38
95.03
129.93
165.13
39
26.28
61.61
96.94
132.57
168.50
40
26.81
62.88
98.96
135.30
171.93
41
27.33
64.18
101.01
138.08
175.44
42
27.90
65.52
103.10
140.93
179.04
43
28.47
66.88
105.26
143.85
182.69
44
28.99
68.23
107.41
146.78
186.37
45
29.51
69.59
109.59
149.76
190.10
46
30.00
70.98
111.81
152.75
193.82
47
30.52
72.37
114.03
155.76
197.55
48
30.93
73.69
116.19
158.73
201.26
49
31.28
74.99
118.35
161.66
204.91
50
31.59
76.23
120.47
164.59
208.57
51
31.88
77.49
122.61
167.52
212.21
52
32.11
78.72
124.72
170.42
215.79
53
32.27
79.89
126.78
173.29
219.37
54
32.37
81.03
128.86
176.17
222.90
55
32.44
82.14
130.89
179.01
226.39
56
32.40
83.22
132.88
181.80
229.82
57
32.27
84.23
134.85
1&4.53
233.18
58
32.06
85.19
136.78
187.27
236.51
59
31.75
86.08
138.68
189.95
239.77
60
31.34
86.94
140.53
192.60
242.98
61
30.78
87.69
142.34
195.19
246.09
€2
30.13
88.39
144.09
197.73
249.12
63
29.33
89.02
145.77
200.19
252.04
64
28.39
89.54
147.40
202.60
254.85
€5
27.26
89.93
148.91
204.86
257.47
21
o
SELECT ANT) ULTIMATE.
MEAN RESERVES.
TEN-PAYMENT LIEE.
Ase.
1 Year.
3 Years.
3 Years.
4 YeniH.
5 Years.
20
28.65
64.76
101.19
138.17
175.80
21
29.18
65.85
102.85
140.44
178.09
22
29.70
66.96
104.57
142.77
181.66
23
30.28
68.13
100.35
145.21
184.76
24
30.83
69.32
108.19
147.08
187.91
25
31.41
70.55
110.09
150.28
191.20
2G
32.00
71.80
112.01
152.89
194.54
27
32.01
73.09
113.99
1.55.59
197.99
2S
33.25
74.44
116.07
158.43
201.58
29
33.90
75.82
118.20
161.31
205.24
30
34.56
77.22
120.37
164.27
209.00
31
35.24
78 '.68
122.61
167.30
212.88
32
35.95
80.10
124.89
170.43
216.86
33
36.67
81.71
127.27
173.66
220.96
34
37.42
83.30
129.73
176.98
225.15
35
38.14
84.89
132.20
180.35
229.44
3G
38.91
86.54
134.73
183.81
233.85
37
39.66
88.23
137.36
187.35
238.36
38
40.45
89.94
140.02
190.99
242.97
39
41.24
91.69
142.72
194.09
247.70
40
42.03
93.46
145.50
198.49
252. r.i
41
42.83
95.31
118.37
202.37
257.44
42
43.66
97.16
151.27
206.34
262.40
43
44.50
99.10
154.28
210.39
267.56
44
45.30
100.97
157.24
214.44
272.71
45
46.08
102.88
160.26
218.57
277.92
46
46.89
104.83
163.32
222 . 72
283.16
47
47.66
106.75
166.37
226.90
288.41
48
48.39
108.66
169.42
231.04
293.65
49
49.03
110.49
172.38
235.14
298.85
50
49. G4
112.33
175.39
239.2.-1
304.05
51
50.22
114.12
178.35
243.35
309.23
52
50.73
115.87
181.26
247.39
314.34
53
51.17
117.. j7
184.12
251.33
319.30
54
51.54
119.20
186.03
255.26
324.32
55
51. SS
120.79
189.69
259.11
329.19
56
52.07
122.27
192.34
262.84
333.93
57
52.18
123.68
194.90
266.45
338.54
58
52.19
124.99
197.37
269.98
343.00
59
52.07
126.20
199.73
273.34
347.28
60
51.82
127.28
201.94
276.56
351.40
61
51.42
128.23
204.02
279.63
355.29
62
50.87
129.04
205.96
282.50
358.95
63
50.16
129.72
207.72
285.16
362.34
64
49.27
130.21
209.31
287.62
365.47
65
48.18
130..^.!
210.68
289.80
368.25
3%
SELECT AND ULTIMATE.
MEAN KESERVES.
TWENTY-YEAR ENDOWMENT.
Aee.
1 Year.
S Years.
3 Y'ears.
4 Years.
5 Years.
20
30.54
68.56
106.97
146.01
185.78-
21
30.51
68.55
106.95
146.00
185.77
22
30.46
68.52
106.95
145.99
185.76
23
30.48
68.54
106.98
146.06
185.81
24
30.44
68.52
106.96
146.02
185.8a
25
30.39
68.50
106.97
146.05
185.83
26
30.35
68.48
106.97
146.06
185.84
27
30.32
68.49
107.00
146.10
185.87
28
30.29
68.49
107.01
146.14
185.93
29
30.26
68.48
107.04
146.18
185.97
30
30.22
68.50
107.07
146.22
186.02
31
30.18
68.52
107.14
146.29
1SG.09
32
30.13
68.50
107.15
146.36
186.20
33
30.08
68.54
107.23
146.46
186.30
34
30.09
68.58
107.33
146.60
186.44
35
30.05
68.62
107.41
146.70
186. 5»
30
30.01
68.68
107.55
146.87
186.78
37
29.98
68.72
107.68
147.10
187.01
38
29.93
68.80
107.83
147.33
187.31
39
29.90
68.87
108.01
147.56
187.61
40
29.85
69.00
108.26
147.91
188.01
41
29.80
69.12
108.53
148.28
188.45
42
29.79
69.28
108.85
148.74
188.99
43
29.77
69.50
109.22
149.23
189.56
44
29.71
69.67
109.61
149.77
190.18
45
29.66
69.89
110.03
150.37
190.89
46
29.57
70.10
110.50
150.99
191.58
47
29.52
70.39
111.04
151.70
192.37
48
29.40
70.63
111.54
152.42
193.19
49
29.21
70.87
112.10
153.17
194.05
50
29.02
71.11
112.67
153.96
194.96
51
28.80
71.38
113.30
154.85
195.99
52
28.58
71.66
113.98
155.82
197.10
53
28.30
71.97
114.72
156.89
198.34
54
28.00
72.32
115.58
158.08
199.68
55
27.69
72.68
116.44
159.34
201.16
56
27.29
73.04
117.42
160.74
202.77
57
26.85
73.48
118.51
162.25
204.51
58
26.39
73.95
119.68
163.90
206.42
59
25.84
74.44
120.95
165.71
208.50
60
25.26
74.94
122.27
167.65
210.77
3%
23
SELECT AND ULTIMATE.
MEAN RESERVES.
FIFTEEN-YEAR ENDOWMENT.
A^C' 1 Tear. 2 Years. :{ Years. 4 Yearn. r. Years.
20
21
22
23
24
1 Year.
2 Years.
:{ Years.
4 Years
46.88
101.46
157.06
213.9.-)
46.88
101.47
157.03
213.92
46.85
101.42
156.99
213.89
46.79
101.39
156.98
213.87
46.74
101.39
156.98
213.86
46.69
101.32
156.94
213.83
46.65
101.28
156.89
213.78
46.62
101.28
156.89
213.77
46.59
101.20
156.89
213.79
46.51
101.21
156.84
213.74
46.48
101.20
156.85
213.75
46.40
101.15
156.82
213.73
46.33
101.10
156.76
213.67
46.29
101.08
156.77
213.68
46.23
101.06
156.76
213.67
46.15
101.03
156.74
213.65
46.06
100.98
156.75
213.66
45.99
100.96
156.74
213.68
45.89
100.90
156.72
213.69
45.82
100.91
156.74
213.70
45.71
100.87
156.79
213.78
45.60
100.85
156.86
213.87
45.43
100.84
156.88
213.98
45.50
100.85
156.99
214.08
45.22
100.85
157.08
214.20
45.10
100.85
157.25
214.37
44.87
100.83
157.28
214.49
44.72
100.84
157.37
214.65
44.45
100.79
157.42
214.75
44.14
100.73
157.48
214.85
43.78
100.58
157.49
214.91
43.38
100.43
157.53
215.02
42.90
100.27
157.56
215.11
42.41
100.10
157.57
215.18
41.84
99.01
157.60
215.32
41.29
99.73
157.65
215.45
40.60
99.51
157.69
215.61
39.87
99.28
157.74
215.76
39.06
99.03
157.81
215.97
38.14
98.70
157.89
216.23
37.18
98.43
158.01
216.50
26
28
29
30
31
32
33
34
35
36
38
39
40
41
43
42
44
45
40 44.87 100.83 157.28 214.49 2
47 44.72 100.84 157.37 214.65 2
48
49
50
51
52
53
54
55
56
57
58
59
<50
2.28
2.25
2.23
2.20
2.17
2.13
2.10
2.07
2.07
2.03
2.02
1.99
1.90
1.94
1.92
1.89
1.88
1.90
1.90
1.92
1.98
2.06
2.14
■2.28
2.40
2.50
2.63
2.76
2.84
2.91
2.94
2.99
3.00
3.04
3.11
3.1(5
3.25
3.34
3.47
3.65
3.83
24
^ SELECT AND ULTIMATE.
A% MEAN RESERVES.
"^ TEN -YEAR ENDOWMENT.
Aere.
1 Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
80.20
168.62
259.29
352.60
448.83
21
80.16
168.58
259.25
352.55
448.78
22
80.15
168.55
259.20
352.51
448.74
23
80.11
168.53
259.20
352.49
448.71
24
80.05
168.50
259.16
352.44
448.66
25
80.04
168.46
259.13
352.42
448.63
26
79.97
168.39
259.05
352.36
448.58
27
70.92
168.34
258.98
352.28
448.50
28
79.88
168.32
258.98
352.27
448.47
29
79.83
168.27
258.93
352.23
448.41
30
79.78
168.22
258.88
352.18
448.35
31
79.71
168.17
258.86
352.11
448.27
32
79.63
168.10
258.70
852.04
448.21
33
79.59
168.06
258.73
352.01
448.14
34
79.52
168.00
258.67
351.94
448.05
35
79.42
167.93
258.59
351.84
447.96
36
79.33
167.83
258.49
351.75
447.87
37
79.19
167.76
258.42
351.66
447.76
38
79.10
167.65
258.32
351.54
447.63
39
79.02
167.58 ■
258.21
351.44
447.51
40
78.84
167.45
258.14
351.35
447.38
41
78.70
167.35
258.06
351.26
447.27
42
78.56
167.20
257.91
351.13
447.11
43
78.42
167.13
257.83
351.02
440.97
44
78.19
166.98
257.71
350.86
440.78
45
77.97
166.83
257.57
350.74
446.61
46
77.73
166.65
257.44
350.58
446.36
47
77.44
166.42
257.22
350.35
446.10
48
77.11
166.21
257.02
350.09
445.77
49
76.71
165.90
256.72
349.78
445.36
50
76.26
165.56
256.38
349.37
444.91
51
75.77
165.16
250.03
349.00
444.43
52
75.22
164.72
255.02
348.53
443.89
53
74.56
164.24
255.15
347.99
443.19
54
73.86
163.66
254.61
347.44
442.50
55
73.14
163.06
254.03
346.78
441.72
56
72.28
162.38
253.38
346.06
440.80
57
71.35
161.66
252.68
345.27
439.91
58
70.32
160.84
251.90
344.42
438.86
59
69.15
159.94
251.06
343.46
437.09
60
67.90
158.94
250.13
342.46
436.46
61
66.54
157.89
249.15
341.35
435.09
62
64.95
156.66
248.00
340.09
433.58
63
63.31
155.40
24(i . S2
338.79
431.96
64
61.46
153.99
245.51
337.35
430.18
65
59.42
152.40
244.05
335.74
428.18
AMERICAN EXPERIENCE TABLE.
SEI ECT AND ULTIMATE VALUES.
31%
31%
27
SELECT AND ULTIjMATE.
NET SINGLE PIIEMIU]\rS, LIFE.
A«e.
[x.l
[XJ H- 1.
[X] -r 3.
[X| -■ 3.
[X] - 4.
20
278.32
285.27
291.58
297.70
303.40
21
282.74
289.81
290.39
302.61
308.46
22
287.32
294.61
301.29
307.67
313.73
23
292.08
299.51
300.40
312.95
319.22
24
297.02
304.61
311.67
318.40
324.86
25
302.09
309.88
317.12
324.06
330.71
26
307.36
315.32
322.78
329.91
336.73
27
312.82
321.00
328.62
3.'',5.95
343.00
28
318.48
326.84
334.68
342.23
349.49
29
324.29
332.88
340.92
348.69
356.19
30
380.35
339.14
347.40
355.39
363.11
31
336.00
845.61
3.54.10
302.33
370.28
32
343.08
352.31
301.01
369.47
377.68
33
349.78
359.23
368.17
376.88
385.33
34
356.69
366.38
375.57
384.52
393.22
35
363.83
373.77
383.20
392.40
401.35
36
371.22
381.39
391.08
400.54
409.75
37
378.83
389.26
399.22
408.94
418.41
38
386.68
397.38
407.61
417.59
427.35
39
394.79
405.75
410.24
426.49
436.52
40
403.13
414.38
425.15
435.70
446.01
41
411.74
423.26
434.32
445.14
455.72
42
420.59
432.40
443.75
454.85
465.71
43
429.74
441.86
453.45
464.85
475.97
44
439.10
451.50
403.40
475.08
480.45
45
448.72
461.40
473.61
485.56
497.21
46
458.60
471.59
484.06
490.28
508.16
47
468.69
481.99
494.75
507.22
519.34
48
479.02
492.62
50.") . 65
518.36
530.70
49
489.55
503.45
516.73
529.68
542.24
50
500.28
514.45
528.00
541.19
553.94
51
511.19
525.64
539.42
552.84
565.78
52
522.28
537.01
551.02
564.64
577.74
53
533.51
548.50
562.76
576.57
589.79
54
544.88
560.14
574.59
588.59
601.98
55
550.38
571.87
586.54
600.70
614.19
56
567.98
583.70
598.56
612.86
626.47
57
579.64
595.59
610.66
625.07
638.75
58
591.37
607.56
622.76
637.29
651.03
59
603.13
619.54
634.89
649.53
663.30
60
614.94
631.54
647.01
661.70
675.51
61
626.71
643.49
659.07
673.85
687.65
62
638.48
655.42
671.12
685.93
699.66
63
650.19
667.30
683.06
697.86
711.57
64
661.84
679.08
694.90
709.71
723.34
65
673.38
690.75
706.58
721.37
734.89
2S
3
% SELECT AND ULTIMATE.
IMMEDIATE LIFE ANNUITIES DUE.
Age.
[X.]
IX] 4- 1.
[X] + 2.
[X] ^^ 3.
IX] + 4,
20
21.341
21.136
20.947
20.769
20.600
21
21.210
21.000
20.807
20.623
20.450
22
21.075
20.860
20.662
20.473
20.294
23
20.934
20.714
20.511
20.317
20.132
24
20.789
20.564
20.355
20.155
19.965
25
20.638
20.408
20.194
19.988
19.792
26
20.482
20.247
20.027
19.816
19.613
27
20.321
20.079
19.854
19.637
19.428
28
JO. 154
19.906
19.675
19.451
19.236
29
19.981
19.727
19.490
19.260
19.038
30
19.803
19.542
19.298
19.062
18.833
31
19.617
19.351
19.100
18.857
18.621
32
19.426
19.154
18.896
18.646
18.403
33
19.228
18.948
18.684
18.426
18.176
34
19.023
18.737
18.465
18.200
17.942
35
18.812
18.519
18.239
17.967
17.703
36
18.594
18.292
18.006
17.726
17.454
37
18.369
18.061
17.766
17.478
17.198
38
18.137
17.821
17.518
17.222
16.934
39
17.897
17.573
17.263
16.959
16.662
40
17.650
17.317
16.999
16.687
16.387
41
17.395
17.055
16.727
16.408
16.096
42
17.134
16.784
16.449
16.121
15.800
43
16.864
16.506
16.162
15.826
15.496
44
16.587
16.220
15.868
15.523
15.186
45
16.303
15.927
15.566
15.213
14.868
46
16.011
15.626
15.258
14.896
14.545
47
15.712
15.318
14.941
14.572
14.214
48
15.406
15.004
14.619
14.243
13.878
49
15.095
14.684
14.291
13.908
13.536
50
14.778
14.359
13.958
13.568
13.191
51
14.454
14.028
13.620
13.223
12.841
52
14.127
13.691
13.277
12.874
12.487
53
13.795
13.352
12.930
12.523
12.130
54
13.459
13.008
12.580
12.167
11.770
55
13.118
12.661
12.226
11.808
11.409
56
12.776
12.310
11.871
11.448
11.046
57
12.431
11.959
11.514
11.087
10.683
58
12.084
11.605
11.156
10.726
10.319
59
11.736
11.251
10.797
10.364
9.9566
60
11.387
10.896
10.438
10.003
9.5953
61
11.039
10.542
10.081
9.6443
9.2363
62
10.091
10.189
9.7255
9.2877
8.8806
63
10.344
9.8381
9.3722
8.9341
8.5284
64
10.000
9.4899
9.0224
8.5846
8.1811
65
9.6583
9.1499
8.6766
8.2395
7.8393
66
9.3203
8.8038
8.3351
7.8999
7.50.34
67
8.9869
8.4682
7.9998
7.5668
7.1746
68
8.6580
8.1375
7.6703
7.2402
6.8530
69
8.3347
7.8130
7.3477
0.9210
6.5381
70
8.0173
7.4953
7.0320
6.6088
6.2296
29
3
SELECT AND ULTIMATE.
TERMINAL EESERVES.
ORDINARY LIFE.
Aere.
o
1 Year.
12 Years.
3 Years.
-1 Yea IS.
5 Year*.
20
—9 . 30
.42
9.27
17.80
25 . 77
33.23
21
-9.37
.60
9.83
18.58
26.82
34.63
22
-9.40
.87
10.34
19.37
27.95
36.09
23
-9.48
1.11
10.93
20.27
29.21
37.02
24
—9.52
1.39
11.53
21.21
30.47
39.23
25
-9. 01
1.66
12.13
22.17
.31.79
40.91
2G
-9.69
1.90
12.76
23.16
33.12
42.67
27
-9.77
2.25
13.45
24 22
34.59
44.151
28
-9.84
2.55
14.16
25.35
36.12
46.45
29
-9.97
2.87
14.88
26.49
37.70
48.46
30
-10.06
3.20
15.66
27.72
39.36
50.58
31
-10.16
3.56
16.49
29.01
41.13
52.80
32
-10.27
3.92
17.30
30.31
42.93
55.11
33
—10.38
4.31
18.20
31.74
44.87
57.54
34
—10.52
4.70
19.14
33.20
46.68
60.08
35
-10.67
5.12
20.11
34.72
48.94
62.73
36
-10.81
5.55
21.12
36.33
51.13
65 . 50
37
-11.02
5.96
22.18
37.99
53.41
68.40
38
—11.23
6.40
23.27
39.74
55.81
71.43
39
—11.45
6.87
24.40
41.54
58.30
74.61
40
—11.69
7.37
25.62
43.51
60.88
77.92
41
—11.95
7.87
26.88
45.49
63.68
81.39
42
—12.26
8.38
28.18
47.58
66.56
84.98
43
-12.56
8.94
29.54
49.77
69.53
88.70
44
—12.97
9.43
30.93
52.01
72.56
92.54
45
-13.39
9.94
32.36
54.33
75.76
90.48
46
—13.90
10.45
33.79
56.69
78.93
100.50
47
—14.46
10.95
35.30
59.11
82.24
104.59
48
—15.09
11.40
36.78
61.56
85.60
108.76
49
-15.86
11.80
38.23
64.01
89.01
112.99
50
—16.72
12.12
39.67
66.51
92.45
117.31
51
-17.64
12.41
41.11
69.06
95.96
121.71
52
—18.66
12.76
42.60
71.66
99.61
126.19
53
-19.83
12.94
44.10
74.25
103.23
130.74
54
—21.14
13.09
45.54
76.92
106.97
135.38
55
-22.49
13.19
47.05
79.65
110.76
140.08
56
—24.09
13.21
48.42
82.32
114.55
144.85
57
—25.83
13.12
49.87
85.05
118.43
149.67
58
-27.71
13.04
51.24
87.79
122.. 35
154.53
59
—29.85
12.72
52.56
90.53
126.28
159.42
60
-32.14
12.36
53.84
93.24
130.24
104.34
61
-34.70
11.82
55.02
95.98
134.22
169.26
62
-37.49
11.15
56.17
98.66
138.16
174.16
63
-40.56
10.34
57.21
101.26
142.06
179.01
64
-43.94
9.30
58.12
103.83
145.94
183.77
65
—47.63
8.07
58.86
106.28
149.67
188.44
31%
SELECT AND ULTIMATE.
TERMINAL RESERVES.
TWENTY- PAYMENT LIFE.
Aare.
1 Year.
a Tears.
3 Yearit.
4 Years.
5 ^earis.
20
-9.14
8.11
24.81
41.52
58.04
74.44
21
-9.20
8.33
25.46
42.44
59.28
76.07
22
—9.29
8.65
26.03
43.36
60.58
77.75
23
—9.33
8.93
26.71
44.37
61.98
79.50
24
-9.3.-.
9.24
27.39
45.42
63.41
81.30
25
-9.45
9.55
28.06
46.49
64.87
83.17
26
—9.54
9.82
28.75
47.57
66.33
85.09
27
—9.01
10.19
29.48
48.71
67.91
87.09
28
-9.07
10.52
30.25
49.92
69.55
89.15
29
-9.79
10.85
31.01
51.13
71.21
91.27
30
—9.88
11.20
31.81
52.38
72.92
93.46
31
—9.96
11.57
32.66
53.71
74.72
95.73
32
—10.10
11.93
33.47
55.01
76.55
98.00
33
—10.19
12.32
34.37
56.42
78.46
100.47
34
—10.34
12.70
35.29
57.84
80.41
102.95
35
-10.48
13.10
36.22
59.30
82.40
105.51
36
—10.64
13.48
37.16
60.82
84.48
108.13
37
—10.82
13.90
38.15
62.39
86.61
110.84
38
—11.03
14.28
39.15
63.98
88.83
113.63
39
—11.24
14.69
40.16
65.61
91.06
116.51
40
—11.49
15.12
41.25
67.36
93.45
119.46
41
—11.75
15.53
42.34
69.09
95.84
122.50
42
—12.05
15.96
43.46
70.89
98.30
125.61
43
-12.34
16.43
44.59
72.77
100.83
128.78
44
—12.75
16.78
45.77
74.61
103.37
131.99
45
-13.18
17.14
46.90
76.53
105.98
135.23
46
—13.65
17.52
48.06
78.42
108.59
138.47
47
-14.21
17.86
49.23
80.35
111.22
141.70
48
—14.87
18.13
50.30
82.23
113.81
144.93
49
-15.63
18.32
51.38
84.05
116.40
148.14
50
-1-6.46
18.47
52.41
85.96
118.92
151.35
51
—17.41
18.56
53.39
87.76
121.55
154.56
52
-18.42
18.62
54.36
89.61
124.13
157.75
53
-19.57
18.56
55.35
91.44
126.67
160.94
54
—20.85
18.45
56.21
93.25
129.30
104.14
55
-22.24
18.24
57.11
95.06
131.86
167.32
56
—23.81
17.97
57.93
96.82
1.34.44
170.49
57
-25.55
17.59
58.74
98.59
137.00
173.64
58
—27.40
17.15
59.43
100.32
139.54
176.77
59
—29.59
16.51
60.07
102.02
142.06
179.88
60
-31.86
15.81
00.67
103.69
144.60
182.07
31
31%
SELECT AND ITLTIMATE.
TERMINAL RESERVES.
FIFTEEN -PAYMENT LIFE.
Ase.
o
1 Year.
2 Vears.
:; voni-s.
•t ^'oars.
.' Yoarn.
20
-9.05
12.81
34.30
56.01
77 . 7.">
99 . C>2
21
-9.11
13.10
35.10
57.15
79.29
101.63
22
-9.19
13.48
35.83
58.30
80.90
103.71
23
-9.23
13.85
36.65
59.55
82.63
105.86
24
-9.25
14.25
37.49
60.83
84.38
108.09
25
-9.34
14.61
38.32
62.15
SO. IS
110.39
26
-9.43
14.99
39.18
63.50
87.99
112.76
27
-9.49
15.44
40.11
64.91
89.94
115.22
28
-9.55
15.86
41.04
66.38
91 . 94
117.76
29
-9.67
16.30
41.98
67.87
93.99
120.37
30
-9.75
16.73
42.97
69.41
96.09
123.06
31
-9.86
17.19
44.00
71.03
98.30
125.85
-9.97
17.65
45.02
72.64
100.53
128.71
oo
—10.06
18.14
46.11
74.36
102.87
131.66
34
-10.19
18.63
47.23
76.10
105.25
134.69
35
-10.34
19.18
48.37
77.87
107.67
137.81
3G
—10.50
19.61
49.53
79.71
110.19
140.99
-10.67
20.13
50.73
81.61
112.76
144.28
38
-10.87
20.63
51.95
83.52
115.43
147.64
39
-11.07
21.15
53.18
85.49
118.18
151.10
40
—11.33
21.68
54.48
87.56
120.96
154.64
41
-11.57
22.21
55.79
89.62
123.79
158.27
42
-11.87
22! 73
57.11
91.74
126.70
161.96
43
-12.14
23.32
58.46
93.93
129.69
165.70
44
-12.56
23.76
59.81
96.12
132.67
169.49
45
-12.97
24.23
61.18
98.33
135.69
173.29
46
-13.41
24.69
62.53
100.55
138.71
177.07
47
—13.97
25.14
63.86
102.73
141.72
180.84
48
—14.61
25.51
65.18
104.88
144.72
184.57
49
—15.38
25.80
66.36
106.99
147.65
188.25
50
-16.16
26.01
67.55
109.07
150.55
191.89
51
—17.07
26.18
68.68
111.12
153.41
195.48
52
-18.10
26.28
69.75
113.11
156.21
199.00
53
-19.27
26.25
70.78
115.03
158.92
202.44
54
—20.49
26.18
71.70
116.91
161.63
205.80
55
-21.84
26.01
72.59
118.72
164.23
209.06
56
—23.38
25.71
73.35
120.42
166.75
212.21
57
-25.07
25.31
74.10
122.08
169.18
215.25
58
—26.95
24.82
74.67
123.62
171.51
218.16
59
-29.06
24.11
75.16
125.08
173.71
220.92
60
-31.31
23.31
75.52
126.41
175.83
223.53
S-2
3-1%
SELECT AND ULTIMATE.
TERMINAL RESERVES.
TEN-PAYMENT LIFE.
20
—8.85
22.45
53.76
85.74
118.20
151.27
21
-8.91
22.89
54.82
87.34
120.35
154.08
22
-8.99
23.43
55.92
88.96
122.62
156.99
23
—9.02
23.94
57.06
90.70
125.02
160.00
24
—9.05
24.51
58.22
92.49
127.45
163.11
25
-9.12
25.06
59.40
94.34
129.97
166.33
26
—9.20
25.60
60.64
96.24
132.54
169.65
27
-9.26
26.24
61.90
98.19
135.23
173.09
28
-9.32
26.85
63.23
100.20
138.03
176.64
29
-9.42
27.47
64.56
102.34
140.90
180.30
30
-9.50
28.11
65.97
104.51
143.86
184.08
31
-9.. 59
28.79
67.42
106.77
146.93
187.99
32
—9.70
29.45
68.86
109.03
150.07
192.01
33
-9.78
30.17
70.39
111.44
153.33
196.16
34
—9.91
30.89
71.98
113.89
156.68
200.42
35
-10.01
31.63
73.60
116.39
160.09
204.81
36
—10.18
32.35
75.24
118.97
163.61
209.30
37
-10.35
33.10
76.95
121.62
167.24
213.93
38
—10.56
33.87
78.68
124.30
170.98
218.67
39
—10.74
34.68
80.43
127.09
174.77
223.55
40
—10.97
35.48
82.26
129.99
178.72
228.53
41
-11.25
3G.26
84.12
132.89
182 . 70
233.64
42
—11.47
37.06
85.98
135.86
186.78
238.84
43
-11.73
37.94
87.94
138.93
190.96
244.13
44
-12.12
38.66
89.83
141.98
195.14
249.49
45
-12.50
39.44
91.80
145.09
199.43
2.54.90
40
—12.93
40.23
93.73
148.20
203.68
260.32
47
-13.44
40.97
95.69
1.51.. 33
207.99
265.76
48
—14.05
41.65
97.57
154.41
212.24
271.18
49
-14.73
42.24
99.36
1{:7.44
216.47
276.58
50
—15.51
42.77
101.19
160.46
220.67
281.94
51
—16.39
43.23
102.90
163.42
224.83
287.25
52
—17.33
43.65
104.59
166.32
228.90
292.48
53
-18.40
43.97
106.20
169.16
2.32.89
297.63
54
—19.60
44.18
107.69
171.89
236.84
302.67
55
—20.86
44.30
109.12
174.55
240.63
307.57
56
-22.33
44.29
110.41
177.06
244.31
312.32
57
—23.93
44.15
111.64
179.47
247.82
316.89
58
-25.71
43.92
112.64
181.68
251 ! 14
321.24
59
—27.71
43.44
113.53
183.76
254.29
325.37
r.o
-29.82
42.86
114.24
185.63
257.23
329.23
(11
-32.24
42.00
114.72
187.31
2.59.91
332.79
CiJ
-34.84
41.02
115.06
188.75
262.29
336.03
C.."!
-37.77
39.76
115.11
189.90
264.38
338.91
(i4
-40.96
38.25
114.91
190.80
266.16
341.35
or.
-44.46
30.48
114.42
191.35
267.53
343.34
3
33
SELECT AND ULTIMATE.
TERMINAL RESERVED.
TWENTY- YEAR ENDOWiNIENT.
Asre.
1 Year.
3 Years.
3 YoaiN.
4 "\ ears.
5 Year*.
20
-8.77
27.39
63.84
100.94
138.98
177.84
21
—8.81
27.37
63.80
100.98
138.96
177.82
22
-8.87
27.32
03.75
100.90
138.92
177.80
23
-8.95
27.29
63.75
100.95
138.92
177.79
24
-9.01
27.24
03.73
100.95
138.91
177.78
25
-9.09
27.19
63.71
100.92
138.91
177.78
26
—9.16
27.15
63.67
100.89
138.91
177.77
27
-9.26
27.08
63.63
100.90
138.93
177. 7S
28
-9.32
27.05
63.64
100.93
138.93
177.79
29
-9.42
26.99
63.61
100.90
138.94
177.80
30
—9.50
26.97
63.60
100.91
138.96
177.83
31
-9.60
26.87
63.59
100.92
139.00
177.87
32
-9.75
26.81
63.57
100.96
139.04
177.92
33
—9.86
26.76
63.56
100.99
139.11
177.98
34
—10.03
26.73
63.58
101.03
139.20
178.07
35
—10.16
26.64
63.58
101.07
139.25
178.18
36
-10.33
26.58
63.56
101.10
139.36
178.30
37
—10.49
26.49
63.57
101.19
139.53
178.47
38
—10.71
26.43
63.56
101.37
139.69
178.67
39
—10.94
26.37
63.63
101.49
139.86
178.93
40
-11.21
26.24
63.72
101.64
140.18
179.23
41
—11.45
26.18
63.80
101.86
140.45
179.59
42
-11.76
26.11
63.91
102.09
140.80
179.99
43
—12.06
26.00
63.99
102.41
141.20
180.45
44
-12.48
25.91
64.17
102.65
141.60
180.94
45
—12.92
25.76
64.25
103.01
142.07
181.45
46
-13.40
25.61
64.36
103.32
142.52
181.97
47
-13.97
25.45
64.52
103.69
143.05
182.51
48
—14.63
25.22
64.56
104.03
143.55
183.07
49
-15.38
24.93
64.65
104.35
144.05
183.65
50
—16.16
24.58
64.71
104.72
144.55
184.26
51
—17.17
24.18
64.73
105.07
145.17
184.92
52
-18.21
23.80
64.74
105.48
145.80
185.63
53
-19.35
23.29
64.81
105.89
146.40
186.40
54
-20.64
22.75
64.82
106.37
147.26
187.26
55
-22.01
22.10
64.84
106.88
148.01
188.19
34
3^%
SELECT AND ULTIMATE.
TERMINAL EESEBVES.
FIFTEEN-YEAR ENDOWMENT.
Aare. O 1 Year. 2 Years. 3 Years. 4 Years. 5 Years.
20 —8.43 43.84 97.13 151.89 208.14 266.21
21 —8.48 43.85 97.11 151.^^3 208.13 2G6.16
22 —8.54 43.80 97.07 151 u 208.07 266.11
23 -8.62 43.78 97.01 151 75 208.05 266.06
24 -8.64 43.72 97.01 151 72 207.98 266.01
25 —8.70 43.67 96.96 151.69 207.95 265.96
26 —8.82 43.60 96.87 151.62 207.90 205.90
27 —8.88 43.54 96.86 ' 151.56 207.87 265.84
28 -8.98 43.47 96.81 151.54 207.83 265.79
29 -9.07 43.42 96.76 151.46 207.74 265.73
30 —9.17 43.34 96.69 151.42 207.69 265.66
31 —9.27 43.25 96.64 151.38 207.67 205.60
32 -9.40 43.16 96.55 151.35 207.01 265.54
33 —9.51 43.10 96.51 151.28 207.57 265.47
34 -9.65 42.99 96.45 151.26 207.49 265.40
35 —9.79 42.91 96.38 151.16 207.43 265.33
36 —9.94 42.81 96.30 151.08 207.40 265.25
37 —10.13 42.70 96.24 151.07 207.35 265.18
38 —10.31 42.55 96.12 151.01 207.29 265.12
39 —10.54 42.42 96.03 150.95 207.20 265.07
40 —10.82 42.25 96.00 150.97 207.28 265.03
41 —11.05 42.11 95.91 150.90 207.25 265.02
42 —11.33 41.97 95.85 150.87 207.24 264.99
43 —11.57 41.83 95.78 150.87 207.25 264.98
44 —12.02 41.55 95.66 150.85 207.26 264.96
45 —12.44 41.32 95.57 150.83 207.22 264.91
46 —12.93 41.01 95.42 150.78 207.19 264.82
47 —13.44 40.77 95.26 150.70 207.11 264.69
48 —14.10 40.37 95.08 150.52 207.03 264.50
49 —14.83 39.95 94.78 150.43 206.92 264,27
50 —15.62 39.42 94.49 150.20 206.68 263.99
51 —16.57 38.87 94.12 149.97 206.46 263.66
52 —17.60 38.22 93.70 149.78 206.18 263.29
53 -18.73 37.49 93.24 149.38 205.87 262.88
54 —19.96 36.71 92.78 149.05 205.58 262.42
55 —21.32 35.82 92.18 148.67 205.23 261.92
56 —22.86 34.85 91.54 148.24 204.83 261.37
57 -24.56 33.76 90.91 147.78 204.41 260.79
58 —26.44 32.60 90.15 147.30 203.96 260.16
59 -28.55 31.25 89.17 146.74 203.45 259.48
60 -30.88 29.75 88.41 146.14 202.97 258.76
35
3J%
SELECT AND ULTIMATE.
TERMINAL KESEKVES,
TEN-YEAB ENDOWMENT.
Age.
o
1 Year.
:: Yt'jirs.
:s v<MiiH.
-1 VeiiiB.
5 A'enPB.
20
-7.73
77.72
Km. 45
256.22
350 . 06
447.43
21
—7.78
77.67
165.45
256.16
350.00
447.38
oo
-7.86
77.62
165.39
256.09
349.94
447.32
23
-7.89
77.56
165.34
256.04
349.91
447.26
24
-7.97
77.51
165.27
256.01
349.85
447.20
25
-8.03
77.45
165.23
2.55.93
349.78
447.14
2G
-8.07
77.39
165.19
255.87
349.75
447.06
27
-8.15
77.37
165.10
255.81
349.63
446.99
28
-8.25
77.29
165.08
255.78
349-58
446.91
29
-8.31
77.22
165.00
255.64
349.49
446.82
30
—8.42
77.12
164.93
2.55.56
349.43
446.72
31
-8.50
77.04
164.81
255.48
349.37
446.68
32
-8.61
76.93
164.71
255.39
349.20
446.. 52
33
-8.71
76.88
164.62
255.33
349.09
446.41
34
-8.84
76.76
164.55
255.24
349.06
446.28
35
—8.93
76.66
164.48
255.10
348.92
446.15
36
-9.08
76.51
164.34
255.05
348.76
445.99
37
-9.30
76.36
164.23
254.84
348.61
445.82
38
-9.49
76.19
164.08
254.68
348.48
445.64
39
-9.70
76.10
163.86
254.54
348.26
445.45
40
-9.89
75.89
163.73
254.39
348.12
445.24
41
—10.14
75.69
163.58
254.24
347.97
445.03
42
—10.40
75.49
163.38
2.54.05
347.73
444.78
43
—10.67
75.33
163.22
2.53.86
347.50
444.. 52
44
-11.04
74.97
162.99
253.61
347.23
444.22
45
—11.42
74.67
162.70
253.40
346.99
443.88
46
-11.89
74.33
162.40
253.03
346.58
443.47
47
-12.33
73.98
162.08
252.74
346.23
442.99
48
—12.96
73.54
161.66
2.52.31
345.77
442.44
49
-13.60
72.98
161.13
2.51.81
345.22
441.80
50
—14.36
72 . 38
160.63
251.25
344.60
441.07
51
-15.21
71.69
160.03
250.65
343.92
440.26
52
—16.14
70.95
159.32
249.93
343.11
4.-^9.34
5b
—17.17
70.14
158.58
249.13
342.22
438.32
54
—18.38
69.18
157.69
248.25
341.27
437.19
55
—19.60
68.13
156.72
247.28
340.17
435.93
56
—21.04
66.98
155.65
246.19
338.97
434.53
57
—22.63
65.71
154.50
245.00
337.64
432.99
58
-24.38
64.29
1.53.17
243.67
336.17
431.29
59
—26.35
62.71
151.77
242.21
334.55
429.41
60
—28.46
61.01
150.18
240.61
332.81
427.35
61
-30.85
59.03
148.41
238.84
330.82
425.09
62
-33.44
56.98
146.54
236.92
328.70
422.60
63
-36.32
54.66
144.43
234.75
326.34
419.88
64
-39.31
52.13
142.14
232.47
323.77
416.86
65
—43.04
49.33
139.56
229.87
320.92
413.50
36
31%
SELECT AND ULTIMATE.
MEAN RESERVES.
ORDINARY LIFE.
Aee.
1 Year.
2 Years.
3 Years.
4 Years.
6 Years.
20
2.30
11.59
20.28
28.53
36.24
21
2.50
12.10
21.09
29.59
37.01
22
2.75
12.65
21.90
30.70
39.06
23
3.02
13.23
22.81
31.95
40.62
24
3.31
13.84
23.75
33.22
42.23
25
3.58
14.45
24.70
34.53
43.90
26
3.85
15.07
25.70
35.88
45.64
27
4.18
15.79
26.78
37.35
47.49
28
4.50
16.50
27.90
38.88
49.43
29
4.82
17.24
29.05
40.46
51.45
30
5.22
18.03
30.29
42.14
53.57
31
5.59
18.87
31.59
43.91
55.81
32
5.92
19.76
32.90
45.72
58.12
33
6.33
20.62
34.34
47.67
60.57
34
6.74
21.57
35.82
49.60
63.13
35
7.18
22.57
37.37
51.79
65.79
36
7.65
23.61
39.00
54.01
68.59
37
8.08
24.68
40.70
56.31
71.52
38
8.56
25.81
42.48
58.74
74.59
39
9.06
26.99
44.32
61.27
77.81
40
9.59
28.25
46.32
63.95
81.15
41
10.14
29.56
48.37
66.77
84.72
42
10.69
30.91
50.51
69.70
88.40
43
11.31
32.36
52.77
72.77
92.23
44
11.86
33.81
55.10
75.92
90.18
45
12.45
35.33
57.52
79.22
100.30
46
13.03
36.88
60.00
82.57
104.47
47
13.62
38.50
62.58
86.05
108.79
48
14.19
40.13
65.21
89.62
113.22
49
14.71
41.76
67.86
93.25
117.74
50
15.20
43.39
70.59
96.98
122.38
51
15.68
45.06
73.38
100.81
127.13
52
16.20
46.83
76.28
104.78
132.05
53
16.61
48.58
79.23
108. SO
137.04
54
17.01
50.35
82.26
112.98
142.21
55
17.37
52.19
85.42
117.27
147.49
56
17.73
53.99
88.54
121.61
152.87
57
18.00
55.85
91.82
126.10
158.41
58
18.28
57.76
95.13
130.69
164.06
59
18.41
59.61
98.52
135.38
169.82
60
18.53
61.52
101.96
140.16
175.71
01
18.52
63.38
105.46
145.06
181.70
62
18.45
65.28
109.03
150.03
187.78
63
18.28
67.18
112.63
155.05
193.93
«4
17.97
69.00
116.27
160.18
200.15
05
17.55
70.79
119.00
165.30
206.38
37
32%
SELECT AND ULTIMATE.
MEAN RESERVES.
TWENTY- PAYMENT LIFE.
Age.
1 Year.
2 Years.
3 Years.
4 Years.
5 Yearn.
20
9.85
26.82
43.53
60.14
76.60
21
10.10
27.43
44.48
61.39
78.21
22
10.38
28.04
45.40
62.67
79.87
23
10.68
28.70
46.42
64.06
81.62
24
11.02
29.39
47.48
65.49
83.43
25
11.32
30.07
48.54
66.95
85.29
20
11.61
30.75
49.63
68.42
87.18
27
11.97
31.51
50.77
69.99
89.18
2S
12.32
32.28
51.98
71.63
91.25
29
12.65
33.05
53.19
73.29
93.3(5
30
13.02
33.86
54.45
75.01
95.55
31
13.41
34.72
55.79
76.82
97.83
32
13.78
35.56
57.10
78.64
100.17
33
14.19
36.47
58.52
80.57
102.59
34
14.59
37.40
59.97
82.53
105.09
35
15.01
38.36
61.46
84.55
107 . CA]
30
15.43
39.33
63.00
86.66
110.31
37
15.86
40.35
64.59
88.82
113.0.")
38
16.28
41.37
66.22
91.06
115.80
39
16.73
42.43
67.89
93.34
118.79
40
17.18
43.56
69.68
95.78
121.83
41
17.66
44.70
71.48
98.23
124.93
42
18.13
45.88
73.35
100.77
128.13
43
18.65
47.11
75.28
103.40
131.41
44
19.07
48.33
77.25
106.05
134.74
45
19.52
49.56
79.25
108.79
138.14
46
19.98
50.83
81.28
111.55
141.57
47
20.41
52.13
83.37
114.37
145.04
48
20.79
53.37
85.42
117.18
148.53
49
21.11
54.62
87.48
119.99
152.04
50
21.42
55.85
89.60
122.85
155.55
51
21.68
57.08
91.68
125.76
159.16
52
21.94
58.33
93.82
128.71
162.78
53
22.11
59.57
96.01
131.67
166.42
54
22.26
60.84
98.19
134.73
170.18
55
22.35
62.03
100.44
137.81
173.94
38
3, SELECT AND ULTIMATE.
-S^Q MEAN KESEKYES.
/ FIETEEN-PAYMENT LIFE.
Asre.
1 Venr,
2 Vears.
3 Years.
4 Years.
B Years.
20
14.40
36.13
57.73
79.46
101.26
21
14.77
36.88
58.90
81.00
103.29
22
15.13
37.64
60.05
82.59
105.29
23
15.51
38.45
61.30
84.29
107.45
24
15.92
39.29
62.58
86.03
109.66
25
16.29
40.12
63.89
87.82
111.94
26
16.68
40.98
65.24
89.64
114.27
27
17.12
41.92
66.66
91.57
116.73
28
17.56
42.86
68.12
93.57
119.26
29
17.99
43.82
69.60
95.61
121.86
30
18.45
44.81
71.12
97.71
124.53
31
18.91
45.84
72.76
99.91
127.32
32
19.39
46.88
74.38
102.13
130.17
33
19.90
47.99
70.10
104.48
133.13
34
20.41
49.12
77.85
106.86
136.16
35
20.92
50.28
79.65
109.30
139.27
36
21.43
51.45
81.50
111.83
142.47
37
21.98
52.68
83.42
114.43
145.77
38
22.51
53.92
85.37
117.11
149.17
39
23.07
55.19
87.36
119.86
152.67
40
23.62
56.53
89.47
122.71
156.25
41
24.20
57.88
91.59
125.59
159.91
42
24.77
59.26
93.76
128.56
163.67
43
25.40
60.70
96.01
131.62
167.51
44
25.91
62.10
98.28
134.71
171.39
45
26.46
63.53
100.59
137.84
175.32
46
27.03
65.00
102.93
141.02
179.28
47
27.55
66.46
105.26
144.19
183.24
48
28.02
67.92
107.00
147.37
187.22
49
28.42
69.29
109.89
150.53
191.16
50
28.81
70.67
112.20
153.70
195.11
51
29.15
72.03
114.50
156.86
199.04
52
29.44
73.36
116.78
160.01
202.95
53
29.63
74.05
119.04
163.11
206.82
54
29.82
75.91
121.28
160.24
210.69
55
29.94
77.16
123.51
169.33
214.50
56
29.96
78.33
125.69
172.39
218.28
57
29.92
79.51
127.89
175.43
222.02
58
29.80
80.61
130.01
178.43
225.70
59
29.53
81.64
132.12
181.40
229.32
60
29.22
82.63
134.18
184.34
232.90
39
3
SELEC^T AND ULTIMATE.
MEAN IJESERYES.
TEN-1?AYMENT LIFE.
Asre.
1 Year.
S Years.
3 Yearn.
4 Years.
5 Years.
20
23.92
55.22
80.87
119.00
151.85
21
24.38
56.24
88.47
121.2:^,
154.60
22
24.89
57.34
90.11
123.40
157.47
23
25.44
58.46
91.84
125.82
100.47
24
25.99
59.62
93.01
128.23
ia3.54
25
26.54
60.80
95.44
130.72
106.72
26
27.09
62.01
97.33
133.28
169.99
27
27.72
63.30
99.27
135.94
173.39
28
28.34
64.01
101.32
138.72
176.91
29
28. 9G
65.95
103.38
141.55
180.53
30
29. Gl
67.35
105.55
144.49
184.28
31
30.29
68.80
107.79
147.54
188.15
32
30.97
70.25
110.04
150.05
192.14
33
31.71
71.79
112.43
153.90
190.26
34
32.43
73.38
114.88
157.23
200.49
35
33.20
75.01
117.39
160.63
204.84
36
33.94
76.65
119.90
164.14
209.31
37
34.71
78.36
122.02
167.77
213.92
38
35.49
80.11
125.33
171.48
218.00
39
36.32
81.91
128.11
175.28
223.51
40
37.15
83.76
131.02
179.25
228.52
41
37.95
85.64
133.95
183.24
233.62
42
38.82
87.55
136.95
187.35
238.84
43
39.74
89.57
140.07
191.58
244.17
44
40.53
91.50
143.16
195.82
249.57
45
41.38
93.53
146.36
200.17
255.08
46
42.24
95.57
149.56
204.53
200.59
47
43.00
97.63
152.81
208.96
260.17
48
43.84
99.65
156.03
213.36
271.75
49
44.56
101.60
159.20
217.76
277.33
50
45.23
103.58
162.43
222.17
282.91
51
45.86
105.50
165.60
220.50
288.48
52
46.46
107.42
168.76
230.91
293.99
53
46.99
109.29
171.89
235.23
299.47
54
47.44
111.08
174.94
239.51
304.90
55
47.85
112.84
177.97
243.72
310.23
56
48.19
114.51
180.90
247.85
315.48
57
48.35
116.13
183.79
251.88
320.59
58
48.47
117.64
186.52
255.77
325.55
59
48.41
119.03
189.19
259.57
330.38
60
48.32
120.35
191.73
263.23
335.03
61
47.99
121.47
194.13
266.72
339.46
62
47.59
122.54
196.41
270.02
343.66
63
46.97
123.41
198.48
273.11
347.62
64
46.18
124.12
200.39
276.02
351.29
65
45.21
124.65
202.08
278. &4
354.63
40
32<
*
jNIEAN
EESERVES.
'J.
w L .
TWENTY- YEAR ENDOWMENT.
Asre.
1 Year.
S Years.
3 Years.
4 Years.
6 Years.
20
28.7(i
65.07
101.84
139.41
177.86
21
28.75
65.06
101.86
139.44
177.86
22
28.72
65.03
101.85
139.44
177.86
23
28.69
65.04
101.87
139.46
177.88
24
28.66
65.03
101.89
139.48
177.89
25
28.62
65.02
101.89
139.49
177.92
26
28.60
65.01
101.88
139.50
177.94
27
28.55
64.99
101.90
139.55
177.99
28
28.54
65.02
101.96
139.60
178.03
29
28.50
65.01
101.97
139.63
178.08
30
28.49
65.04
102.01
139.69
178.15
31
28.44
65.04
102.06
139.77
178.24
32
28.39
65.05
102.13
139.86
178.34
33
28.37
65.08
102.19
139.97
178.46
34
28.34
65.14
102.29
140.10
178.62
35
28.30
65.17
102.39
140.22
178.78
36
28.27
65.21
102.47
140.37
178.97
37
28.24
65.27
102.62
140.60
179.24
38
28.20
65.34
102.81
140.87
179.52
39
28.17
65.46
103.02
141.13
179.85
40
28.11
65.57
103.27
141.50
180.30
41
28.10
65.73
103.57
141.89
180.76
42
28.08
65.92
103.91
142.35
181.30
43
28.09
66.12
104.29
142.90
181.92
44
28.02
6G.35
104.72
143.43
182.58
45
27.96
66.55
105.17
144.08
183.30
46
27.91
66.79
105.65
144.73
184.05
47
27.85
67.09
106.21
145.48
184.89
48
27.74
67.33
100.74
146.23
185.75
49
27.59
67.61
107. B2
147.02
186.67
50
27.44
67.88
107.95
147.87
187.64
51
27.20
68.15
108.60
148.82
188.74
52
27.00
68.48
109.32
149.85
189.92
53
26.75
68.83
110.13
150.95
191.21
54
26.46
69.19
m.oo
152.22
192.67
55
26.14
69.58
111.97
153.55
194.21
3i'
h ,
Age.
1 Year,
20
44.93
21
44.92
22
44.94
23
44.86
24
44.84
25
44.80
26
44.73
27
44.70
28
44.64
29
44.60
30
44.55
31
44.48
32
44.42
33
44.38
34
44.30
35
44.25
36
44.18
37
44.10
38
44.01
39
43.92
40
43.79
41
43.71
42
43.63
43
43.57
44
43.37
45
43.22
46
43.02
47
42.87
48
42.60
49
42.31
50
41.97
51
41.57
52
41.13
53
40.64
54
40.13
55
39.55
56
38.90
57
38.18
58
37.41
59
36.51
60
35.51
41
SELECT AND ULTIMATE.
]\iEAN eesi:rves.
FIFTEEN -YEAR ENDOWMENT.
Years.
3 Years.
4 Years.
5 Years.
97.71
151.73
207.24
264.40
97.72
151.71
207.22
264.38
97.69
151.68
207.18
264.35
97.67
151.66
207.18
264.33
97.66
151.66
207.15
264.29
97.63
151.64
207.14
264.27
97.58
151.59
207.10
264.24
97.57
151.58
207.08
264.22
97.54
151.57
207.08
264.21
97.52
151.54
207.03
264.16
97.48
151.52
207.02
204.14
97.44
151.51
207.02
264.13
97.39
151.49
207.02
264.11
97.39
151.48
207.01
264.10
97.35
151.49
207.01
264.08
97.33
151.46
206.98
264.07
97.30
151.44
206.99
264.07
97.29
151.47
207.03
264.08
97.23
151.46
207.04
264.10
97.20
151.47
207.05
264.11
97.20
151.56
207.20
264.23
97.19
151.59
207.26
204.32
97.22
151.67
207.36
204.42
97.25
151.77
207.50
264.56
97.21
151.86
207.66
264.71
97.22
151.98
207.80
264.84
97.19
152.08
207.96
264.98
97.22
152.19
208.11
265.11
97.19
152.26
208.23
265.23
97.11
152.35
208.42
265.34
97.02
152.41
208.51
265.40
96.92
152.47
208.64
265.48
96.78
152.56
208.80
265.. 55
96.63
152.57
208.89
265.64
96.50
152.67
209.07
265.75
96.30
152.72
209.25
265.87
96.10
152.80
209.47
266.01
95.92
152.93
209.68
266.18
95.70
153.05
209.96
266.39
95.37
153.11
210.25
266.62
95.16
153.35
210.63
266.94
42
3, SELECT AND ULTIMATE.
% MEAN RESERVES.
TEN -YEAR ENDOWMENT.
A Be.
1 Year.
2 Ifeara.
3 Years,
4 Years.
5 Years.
'20
78.15
164.74
253.99
346.29
441.90
21
78.11
164.73
253.97
346.25
441.86
2'J
78.06
164.69
253.92
346.20
441.81
2o
78.03
164.65
253.89
346.17
441.78
24
77.98
164.60
253.85
346.14
441.74
25
77.94
164.57
253.81
346.08
441.69
26
77.91
164.54
253.78
346.06
441.65
27
77.88
164.50
253.72
345.99
441.58
28
77.81
164.48
253.72
345.97
441.54
29
77.77
164.43
253.64
345.88
441.47
30
77.69
164.37
253.59
345.84
441.42
31
77.64
164.29
253.51
345.79
441.37
32
77.56
164.22
253.45
345.70
441.26
33
77.52
164.18
253.41
345.64
441.18
34
77.43
164.13
253.37
345.62
441.14
35
77.38
164.08
253.30
345.52
441.05
36
77.27
163.98
253.25
345.46
440.93
37
77.14
163.90
253.15
345.33
440.82
38
77.01
163.80
253.05
345.24
440.72
39
76.92
163.70
252.94
345.12
440.58
40
76.79
163.60
252.85
345.05
440.47
41
76.64
163.50
252.78
344.97
440.37
42
76.50
163.39
252.67
344.85
440.21
43
76.38
163.33
252.59
344.73
440.06
44
76.13
163.15
252.47
344.59
439.89
45
75.92
162.98
252.34
344.49
439.73
46
75.66
162.81
252.16
844.25
439.47
47
75.43
162.64
252.02
344.09
439.22
48
75.08
162.39
251.78
343.83
438.90
49
74.69
162.06
251.47
343.52
438.51
50
74.25
161.75
251.17
343.17
438.08
51
73.75
161.37
250.85
342.79
437.60
52
73.21
160.94
250.43
342.32
437.03
53
72.62
160.49
249.99
341.81
436.40
54
71.90
159.94
249.47
341.26
435.73
55
71.18
159.34
248.91
340.64
4.34.96
56
70.34
158.68
248.29
339.95
434.12
57
69.41
157.98
247.62
339.19
433.19
58
68.39
157.17
246.86
338.36
432.17
59
67.24
156.30
246.05
337.44
431.04
60
66.03
155.35
245.15
336.47
429.84
61
64.62
154.25
244.16
335.36
428.40
62
63.16
153.15
243.12
334.20
427.04
63
61.51
151.89
241.93
332.89
425.45
64
59.81
150.54
240.71
331.52
423.72
65
57.72
149.02
239.29
329.97
421.78
Modified
Preliminary Term Reserves,
Dr. A. Zillmer, the eminent German actuary, in 18G3 first made
suggestion that policies might be valued by the formula :
i. e., by valuing the net premium, P x+ i, for an age one year higher,
instead of l^x, the net premium fur the age at entry.
The purpose was to allow for initial expenses in the procureuient
of business, which, then as now, Avere estimated to absorb, together
with mortuary losses fur the first year, ])retty much all the iiiv-l
year's premiums. Dr. Zillmer had in view <»iily ordinary life policies,
however.
Some years later Dr. T. B. Sprague, the most distinguished actuary
of Great Ih-itain, endorsed this plan warmly, as suitable for use in
Great Britain under the conditions which obtained there; but he made
the reservation that it was true only of the whole life plan and that
from larger ])remiums souie reserve should be nuide the first year.
Precisely the same guarded endorsement of the ])rinciple was given
.several years ago by Mr. Emory McClintock, actuary of the Mutual
Life Insurance Company of IS^ew York.
The reasoning which supports this view seems to be that Avhile
a whole life policy is a life insurance, a limited payment life policy
is an insurance with an addition to the premium each and every year,
including ilie first, to prepay the whole life premiums that would fall
due after the limitcd-]n-emium period, and an endowment ]iolicy is an
insurance with an addition to the wliolci life prcminm cncii year, vi-
chiding the first, to cause the policy to mature at the expiration oi the
endowment period. In consequence, there should be reserved from this
excess premium what was designed for tlie purpose and is required
for its fulfillment.
Tlie foregoing calls for net ]n-emiums and reserves by the follow-
ing formulas :
43
44 MODIFIED PRELIMINARY TERM RESERVES.
Life. Net premium 1st year P ^ ^-. Thereafter Px+i-
Terminal Reserve. 1st year 0. nth year n-iVx+i-
Life, paid-up in t years. 1st year. Thereafter
Net premium P ^ _ + ex tt P^^^ + ex ^
A V
CA "
t"x
. 1st
. N,-Nx..
nth
1 year.
Terminal Reserve
year.
"x'
(ex ^) ._, V
x+l
+ x.^x
(ex.)
Endowment in m
years.
Net Premium.
1st
year.
Thereafter
P
1
X 1
+ ex
^ Px.l
+ ex n-
l-,n-l^x-
fl
.11.
Terminal Reserve. 1st year. nth year.
u^(ex.) n-iVx+i + ni^x(ex ^)
The moan reserves are derived from the terminal reserves and
the net premiums by the usual process.
For fuller description, see "Practical Lessons in Actuarial
Science."
This system of valuation has received the unqualified approval,
as strictly within his original recommendation, of Mr. McClintock,
who, in a discussion of "Select and Ultimate" reserves, which he has also
endorsed, said in part :
"One year term companies, according to Dr. Sprague's original
system, begin the reserve the second year, on the ordinary life plan,
and other policies have correspondingly reduced reserves at the end
of the first year, because Dr. Sprague's original proposition referred
only to the ordinary life policy and the principle of it would require
some reserve on higher premium policies in order not to introduce
discrimination between policy holders of the same age. The comimnies
which operate on Dr. Sprague's original proposition have my entire
eympathy and support. Nothing can be said too strong to corroborate
Mr. Fackler's statement that the net valuation law has in the past
strangled many small companies which might have gone on and be-
come good companies. Nothing can be more true than that the older
companies to-day w'ould not be in existence if the present net valuation
law had been stringently enforced during the first few years of their
existence."
It is obviously, also, strictly within the limitations laid down by
Dr. Zillmer and by Dr. Spraguc.
MODIFIED PRELIMINARY TERM RESERVES.
45
For convenience, in comparison with the allowance for preliminary
expenses under the "Select and Ultimate" system, the amount of the
allowance on this modified preliminary term plan is given. It is, of
course, the same without regard to plan.
Several American companies are operating on this plan, some of
which give a larger guaranty at the end of a limited-payment period
than the net single premium at the attained age, and in consequence
charge themselves with yet larger reserves.
The reserves on the Life plan, preliminary term, are not given.
They are the one year term reserve the first year and for the nth year
n_i^x + i and n_i MV^^j by the table of net premium reserves on the
usual basis.
The following table shows the amount of the provision by this
process, including all the loading on the first year's premiums, gross
premiums, 3%, being as in the 'New York Life and other companies,
and 3^%, as in the Massachusetts companies, for certain selected ages
and j)lans :
30/0
Plan.
Preminm.
Loading.
Allowed.
Total.
Per cent
Life,
28.11
6.37
13.05
19.42
.69
Life, 20 P.,
38.34
7.56
13.05
20.61
.54
Life, 15 P.,
45.91
8.43
13.05
21.48
.47
Life, 10 P.,
61.53
10.26
13.05
23.31
.38
End. 20 Years,
52.47
9.57
13.05
22.62
.43
End. 15 Years,
70.50
11.95
13.05
25.00
.35^
End. 10 Years,
107.70
16.85
13.05
29.90
.28
Plan.
Premium.
Loading.
Allowed.
Total.
Per cent.
Life,
27.30
6.75
11.90
18. Go
.68
Life, 20 P.,
86.00
7.72
11.90
19.62
.54M!
Life, 15 P.,
42.00
8.49
11.90
20.39
.48
Life, 10 P.,
56.30
10.08
11.90
21.98
.39
End. 20 Years,
50.80
9.80
11.90
21.70
.42
End. 15 Years.
GS.OO
12.18
11.90
24.08
.34
End. 10 Years,
105.60
17.43
11.90
29.33
.28
By comparing ^vith similar tables, showing the provision by the
"Select and Ultimate" process, it is seen that the former approximates
the latter somewhat closely. This exemplifies how nearly the trained
judgment of the three great actuaries who set this limitation upon
the proper application of the preliminary terra principle, by an en-
tirely empirical process, arrived at the same criterion for profitable
expenditure for new business which a strictly scientific method has
developed.
46 MODIFIED PRELIMINARY TERM RESERVES.
This method is sometimes also called "non-discriminating," the
idea being that if the usual preliminary term method were held to be
in violation of the anti-discrimination statutes, as involving charging
members of the same age different rates of premium for one year's
insurance, it would not be open to the same objection.
Some of the companies making use of the plan show higher
reserves for limited payment policies. This is due to their giving
guaranteed cash values in excess of the ordinary reserves at the end of
the period.
The Life reserves which are omitted, are the usual reserves for a
period one year less and an age one year higher, after the first year of
insurance ; and half the net one year term premium for the first year's
mean reserve.
Am
Ex.
3%
MODIFIED PRELIMINARY TERM,
TERMINAL RESERVES.
Ill
MODIFIED PRELIMINAIIY TERM.
Am. ■
Ex. -'
%
TERMINAL RESERVES.
%
W / ^^^
LIFE PAID-UP IN
20 YEARS.
Ase.
1st Year.
3d Yenr.
ad Year.
4tb Year.
Gth Ycop.
21
9.29
26.59
44.51
63.05
82.25
22
9.33
26.07
45.24
64.15
83.73
23
9.37
27.37
46.00
65.28
85.25
24
9.40
27.77
40.78
66.45
86.82
25
9.43
28.17
47.57
67.05
88.42
26
9.46
28.59
48.39
68.87
90.07
27
9.48
29.01
49.21
70.12
91.77
28
9.49
29.43
50.06
71.41
93.50
29
9.50
29.80
50.93
72.73
95.28
30
9.50
30.31
51.82
74.08
97.10
31
9.50
30.76
52.73
75.46
98.97
32
9.40
31.19
53.65
76.87
100.88
33
9.47
31.65
54.61
78.32
102.84
34
9.44
32.12
55.57
79.81
104.85
35
9.40
32.59
56.55
81.31
106.89
36
9.35
33.07
57.56
82.85
108.97
37
9.29
33.53
58.50
84.41
111.11
38
9.22
34.01
59.00
86.03
113.29
39
9.13
34.49
60.66
87.66
115.53
40
9.03
34.98
61.75
89.35
117.82
41
8.92
35.47
62.85
91.07
120.15
42
8.79
35.97
63.96
92.81
122.50
43
8.65
36.46
65.09
94.56
124.87
44
8.50
36.96
66.23
96.33
127.26
45
8.32
37.44
67.37
98.11
129.63
40
8.13
37.92
68.50
99.86
131.98
47
7.92
38.39
69.60
101.58
134.29
48
7.70
38.83
70.68
103.25
136.55
49
7.46
39.25
71.73
104.91
138.80
50
7.19
39.65
72.77
106.56
141.02
51
6.91
40.03
73.80
108.18
143.20
52
6.62
40.41
74.81
109.79
145.36
53
6.30
40.77
75.80
111.37
147.49
54
5.97
41.12
76.77
112.93
149.59
55
5.03
41.45
77.75
114.49
151.67
50
^ MODIFIED PEELIMINAEY TERM.
Ex' 3% TERMINAL RESERVES.
LIFE PAID-UP IN 20 YEARS.
Agre.
Gtli Year.
7tli Year.
Stli Year.
9tU Year.
lOth Year.
21
102.13
122.73
144.04
166.13
188.99
22
104.00
125.00
146.73
169.24
192.54
23
105.93
127.33
149.48
172.44
196.20
24
107.91
129.73
1.52.33
175.73
199.96
25
109.93
132.20
155.25
179.10
203.80
26
112.02
134.74
158.25
182.58
207.77
114.10
137.34
161.33
186.15
211.85
2S
116.36
140.00
164.48
189.81
216.01
29
118.60
142.75
167.72
193.55
220.28
ao
120.92
145.56
171.05
197.39
224.65
31
123.29
148.44
174.44
201.33
229.12
32
125.71
151.37
177.90
205.33
233.69
33
128.19
154.38
181.46
209.45
238.38
34
130.73
157.47
185.10
213.65
243.17
35
133.31
160.61
188.82
217.95
248.05
36
135.96
163.83
192.62
222.33
253.03
37
138.67
167.12
196.49
226.82
258.10
38
141.44
170.48
200.45
231.36
263.24
39
144.27
173.92
204.48
235.99
268.45
40
147.16
177.40
208.56
240.65
273.69
41
150.09
180.94
212.69
245.35
278.95
42
153.06
184.50
216.82
250.04
284.18
43
156.04
188.06
220.94
254.71
289.40
44
159.02
191.61
225.05
259.36
294.58
45
161 .96
195.12
229.10
263.96
299.69
46
164.89
198.60
233.13
268.49
304.72
47
167.77
202.02
237.08
272.94
309.^66
48
170.60
205.39
240.95
277.31
314.49
49
173.39
208.70
244.75
281.57
319.21
50
176.15
211.97
248.49
285.77
323.82
51
178.86
215.17
252.16
289.86
328.31
52
181.54
218.32
255.75
293.84
332.66
53
184.17
221.41
259.24
297.70
336.86
54
180.76
224.44
262.65
301.45
340.90
55
180.30
227.39
265.96
305.06
344.78
Am
Ex.
51
^ MODIFIED rRELi:MINAKY TEini.
3% TEEMINAL HESEini^:S.
LIFE PAID-UP IN 20 YEARS.
Aee.
lltU Year.
12tli Year.
ISth Year.
14th Year.
ICth Year.
21
212.67
237.20
262.60
288.92
316.19
22
216.60
241.67
267.56
294.38
322.16
23
220.80
246.27
272.66
299.98
328.29
24
225.04
2.51.01
277.90
305.75
334.59
25
229.38
255.85
283.27
311.65
341.04
26
233.85
260.84
288.79
317.71
347.66
27
238.43
265.95
294.43
323.92
354.44
28
243.12
271.18
300.22
3.30.27
361.39
29
247.94
276.54
306.14
336.77
368.49
30
252.85
282.02
312.20
343.43
375.74
31
257.88
287.63
318.41
350.23
383.16
32
263.02
293.36
324.72
357.15
390.70
33
268.29
299.22
331.18
364.22
398.39
S4
273.67
305.19
337.75
371.41
406.18
35
279.15
311.26
344.43
378.69
414.08
36
284.72
317.43
351.20
386.06
422.03
37
290.38
323.69
358.05
303.49
430.05
38
296.12
330.00
364.92
400.95
4.38.12
39
301.89
336.35
371.84
408.43
446.18
40
307.69
342.70
378.75
415.91
454.22
41
313.50
349.06
385.66
423.38
462.26
42
319.28
355.38
302.53
430.78
470.22
43
325.04
361.67
399.33
438.12
478.11
44
330.73
367.87
406.06
445.36
485.90
45
336.35
373.99
412.67
452.50
493.54
46
341.87
379.99
419.16
459.47
501.02
47
347.29
385.87
425.51
466.28
508.33
48
352.57
391.60
431.67
472.90
515.41
49
357.72
397.16
437.64
479.28
522.25
no
362.73
402.56
443.42
485.46
528.85
51
367.58
407.77
448.98
491.38
535.16
52
372.20
412.78
454.. 31
497.03
541.16
53
376.77
417.56
4.59.36
502.35
546.79
54
381.08
422.10
464.12
507.34
552.06
55
385.16
426.37
468.56
511.95
556.88
52
MODIFIED PRELIMINAEY TERM.
Am. i
Ex. ,
J%
TERMINAL RESERVES.
^
w / ^^
LIFE PAID-UP IN
20 YEARS.
Agre.
IGth Year.
17th Ye«r.
ISth Year.
loth Year. 20tb Year.
21
344.43
373.69
404.00
435.43
408.00
22
350.93
380.74
411.03
443.03
470.80
23
357.60
387.97
419.42
452.02
485.83
24
364.46
395.39
427.44
460.06
495.10
25
371.47
402.99
435.65
409.50
504.58
20
378.68
410.80
444.08
478.56
514.30
27
386.05
418.79
452.70
487.83
524.23
28
393.60
426.95
461.51
497.29
534.37
29
401.32
435.30
470.49
506.94
544.70
30
409.20
443.81
479.66
516.77
555.22
31
417.24
452.49
488.99
526.76
565.89
32
425.40
461.30
498.43
536.88
576.71
33
433.72
470.25
508.03
547.14
587.67
34
442.13
479.28
517.72
557.50
598.74
35
450.03
488.41
527.50
507.97
609.92
36
459.20
497.60
537.35
578.50
621.18
37
467.82
506.87
547.25
589.09
632.51
38
470.48
516.14
557.18
599.71
643.89
39
485.15
525.42
567.12
010.37
055.30
40
493.78
5.34.69
577.03
020.99
666.72
41
502.41
543.92
586.94
631.60
678.13
42
510.94
553.07
590.75
042.16
689.49
43
519.41
562.15
606.49
652.63
700.83
44
527.76
571.10
616.11
663.00
712.08
45
535.96
579.90
625.58
673.26
723.24
4(5
543.99
588.53
034.88
683.34
734.27
47
551.81
596.94
043.98
093.25
745.16
48
559.41
605.13
052.84
702.94
755.89
49
566.75
613.03
001.43
712.37
766.41
50
573.82
620.66
009.75
721.55
776.73
51
580.58
627.95
077.72
730.44
786.82
52
586.99
634.88
085.34
738.99
796.67
53
593.01
641.40
092.55
747.19
806.27
54
598.61
647.49
099.35
755.04
815.70
r.5
003.74
653.10
705.72
702.57
824.93
53
:\i()DiFiEi) prelt:minary term.
%
TEKMINAL KESEKYES.
%^
w / ^^
LIFE l^AID-Ur IN
15 YEARS.
Ape.
l8t Year.
2d Year. 3d Year.
4tli Year.
5th Year.
21
14.1t3
38.00 61.95
80.70
112.47
22
15.01
38.55 62.94
88.21
114.40
23
15.13
.39.12 63.97
89.70
110.38
24
15.25
39.69 65.01
91.24
118.42
25
15.37
40.27 06.08
92.81
120.51
2G
15.49
40.88 67.19
94.43
122.05
27
15.60
41.49 68.31
90.08
124.80
2S
15.71
42.11 69.46
97.78
127.12
29
15.82
42.74 70.64
99.52
129.44
30
15.92
43.39 71.85
101.30
131.82
31
16.02
44.06 73.08
103.12
134.25
32
16.11
44.71 74.33
104.99
130.74
33
10.20
45.39 75.62
106.00
139.20
34
16.28
46.08 70.92
108.85
141.89
35
16.35
40.76 78.25
110.82
144.54
36
16.41
47.47 79.60
112.84
147.23
37
16.46
48.15 80.95
114.87
149.98
38
16.50
48.86 82.34
110.97
152.78
39
16.58
49.57 83.75
119.09
155.04
40
16.53
50.29 85.18
121.25
158.55
41
16.53
51.00 86.63
123.44
161.49
42
16.51
51.72 88.08
125.00
164.46
43
16.47
52.42 89.55
127.87
167.44
44
16.42
53.13 91.01
130.10
170.42
45
16.34
53.82 92.47
132.32
173.37
46
16.24
54.49 93.90
134.49
176.28
47
16.12
55.14 95.29
130.01
179.13
48
15.97
.55.75 96.63
138.67
181.91
49
15.80
56.31 97.93
140.68
184.63
50
15.60
56.84 99.18
142.63
187.27
51
15.36
57.33 100.35
144.51
189.82
52
15.10
57.78 101.51
146.32
192.27
53
14.80
58.18 102.58
148.03
194.02
54
14.40
58.53 103.58
149.60
190.85
55
14.09
5S.82 104.51
151.20
198.97
50
13.69
.59.07 105.38
152.05
200. M
57
13.25
59.27 106.16
153.97
202.77
58
12.77
59.40 100.85
155.17
204.44
59
12.25
59.48 107.40
150.25
205.95
60
11.71
59.50 107.97
157.19
207.28
64
]^IOI)IFIED niELIMINARY TERM.
Am."
Ex. J
\%
TERMINAL RESERVES.
^
§ /^^
LIFE PAID-UP IX
15 YEARS.
ABre.
6th Year.
7th Year.
8tU Year.
9th Year. 10th Year.
21
130.11
166.73
195.34
225.01
255.76
22
141.53
169.66
198.80
229.00
260.31
23
144.02
172.66
202.34
233.13
265.01
24
146.58
175.76
206.00
237.34
269.82
25
149.20
178.04
209.75
241.68
274.77
2G
1.51.91
182.21
213.61
246.15
279.87
27
154.68
185.56
217.57
2.50.73
285.11
28
157.51
189.00
221,62
255.43
290.46
29
1G0.43
192.54
225.80
260.26
295.97
30
163.42
196.16
230.08
265.20
301.60
31
166.49
199.87
234.45
270.27
307.37
32
169.63
203.66
238.92
275.44
313.27
33
172.83
207.54
243.50
280.73
319.31
34
170.10
211.51
248.17
286.14
325.48
35
179.43
215.55
252.95
291.67
331.78
3G
1S2.83
219.68
257.82
297.30
338.20
37
186.30
223.88
262.77
303.05
344.72
38
189.84
228.17
267.83
308.88
351.35
39
193.43
232.54
272.96
314.79
358.06
40
197.10
236.95
278.16
320.77
364.84
41
200.79
241.42
283.41
326.79
371.64
42
204.53
245.92
288.66
332.81
378.45
43
208.27
2.50.41
293.91
338.83
385.26
44
212.00
254.88
299.14
344.83
392.04
45
215.68
259.32
304.31
350.77
398.76
46
219.34
263.70
309.44
3.56.64
405.41
47
222.91
267.98
314.46
362.40
411.94
48
226.40
272 . 20
319.40
368.08
418.38
49
229.81
276.31
324.20
373.60
424.66
50
233.13
280.31
328.88
379.00
430.79
51
236.34
284.18
333.43
.384.23
436.72
52
239.44
287.91
337.80
389.25
442.45
53
242.42
291.49
. 341.98
394.06
447.94
54
245.22
294.87
345.95
398.62
453.15
55
247.89
298.07
349.69
402.94
458.08
56
250.37
301.07
353.19
406.97
462.67
57
252.68
303.83
356.42
410.67
466 . 90
58
254.78
306.. 35
359.34
414.02
470.73
59
256.68
308.60
361.95
416.98
474.11
GO
258.34
310.55
364.18
419.51
477.01
:\rODlFIEl) VKELLAIINAKY TERM.
Am. I
Ex. '
\%
TEKMIXAL KESEIIVES.
^
W / ^^
LIFE l\
\1I)-U1» IX
15 YEAK8.
Ase.
lltU Vear.
12th Yenr.
13th Yonr.
14th Yonr. 15th Year.
21
287. as
320.68
354.96
300.49
427.36
J'~
292.78
326.42
361.32
397.51
435.04
23
298.06
332.34
367.88
404.73
442.95
24
303.50
338.41
374.61
412.14
451.07
25
309.08
344.65
381.53
419.76
450.42
26
314.83
351.07
388.64
427.60
468.00
27
320.72
357.65
305.03
435.62
476.80
28
326.77
364.36
403.41
443.86
485.83
20
332.98
371.28
411.00
452.32
495.10
30
339.32
378.42
418.96
460.00
504.50
31
345.82
385.68
427.01
4()0 . S6
514.30
32
352.48
393.12
435.24
478.92
524.23
33
359.28
400.71
443.66
488.18
534.37
34
366.24
408.47
452.24
497.63
544.70
35
373.33
416,37
460.98
507.24
555.22
36
380.54
424.42
469.87
517.01
565.80
37
387.88
432.58
478.89
526.00
570.71
3S
395.32
440.85
488.00
530.02
587.67
39
402.84
449.19
497.22
547.02
508.74
40
410.42
457.60
506.40
557.22
600.02
41
418.02
466.06
515.83
567.49
621.18
42
425.65
474.53
525.20
577.80
632.51
43
433.28
483.00
534.56
588.13
043.89
44
440.86
401.44
543.01
508.45
655.30
45
448.40
499.83
553.21
608.77
066.72
46
455.80
508.15
562.48
610.04
678.13
47
463.21
516.36
571.62
629.23
689.50
48
470.45
524.47
580.68
639.35
700.83
40
477.53
532.41
580.37
649.33
712.08
50
484.44
540.19
508.31
659.18
723.24
51
401.15
547.74
606.85
668.85
734.27
52
497.62
555.07
615.16
678.33
745.16
53
503.86
562.14
623.21
687.57
755 . 89
54
509.78
568.89
630.94
606.53
766.41
55
515.39
575.32
638.38
705.22
770.73
56
520.64
581.37
645.43
733.57
786.82
57
525.50
587.00
652.07
721.57
796.67
58
529.91
592.16
658.24
720.18
806.28
59
533.85
506.83
663. !X;
736.42
815 . 70
60
537.23
600.94
660.10
743.27
824.93
56
Am.
Ex.
^ MODIFIED PRELIMIXAEY TERM.
3% TERMINAL RESERVES.
LIFE PAID-UP IN 10 YEARS.
Afire.
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
40
47
48
49
50
51
52
53
54
55
50
57
58
59
GO
26.32
26.61
26.90
27.21
27.52
27.83
28.14
28.45
28.77
29.09
29.41
29.74
30.06
30.38
30.60
31.01
31.32
31.63
31.92
32.20
32.48
32.74
32.99
33.22
33.43
33.63
33.80
33.94
34.06
34.13
34.18
34.18
34.14
34.05
33.90
33.70
33.44
33.12
32.73
2d Year.
61.30
62.19
63.12
64.07
65.03
66.05
67.05
68.09
69.15
70.24
71.36
72.49
73.64
74.83
76.02
77.25
7S.47
79.72
80.98
82.27
83.54
84.85
86.14
87.44
88.72
90.01
91.26
92.47
93.65
94.77
95.84
96.86
97.81
98.69
99.47
100.18
100.79
101.28
101.66
101.91
3d Year.
4th Year.
5tU Year.
97.57
135.18
174.17
99.09
137.35
177.03
100.67
139.59
179.97
102.28
141.90
183.00
103.94
144.28
186.11
105.67
146.75
189.31
107.39
149.24
192.60
109.19
151.79
195.98
111.02
154.44
199.45
112.91
157.14
203.02
114.85
159.92
206.68
116.81
162.78
210.43
118.85
165.69
214.28
120.91
168.68
218.22
123.02
171.72
222 . 23
125.17
174.84
226! 33
127.34
178.00
230.53
129.57
181.25
234.81
131.82
184.53
239.17
134.14
187.89
243.62
136.46
191.30
248.13
138.82
194.75
252.70
141.19
198.22
257.32
143.58
201.73
261.96
145.97
205.23
266.60
148.34
208.72
271.23
150.69
212.17
275.83
152.98
215.57
280.36
155.23
218.92
284.86
157.42
222.20
289.28
159.55
225.41
293.62
161.60
228.52
297.82
103.55
231.52
301.92
165.41
2.34.40
305.87
167.16
237.14
309.05
168.79
239.73
313.24
170.27
242.12
316.62
171.60
244.32
319.75
172.75
246.29
322.61
173.73
248.01
325.19
Am,
Ex.
57
MODIFIED niELIMIXAEY TEinr.
^% TERMINAL KESEUVES.
LIFE TAID-Ur IX 10 YEARS.
Ase.
6tU Yenr,
7th Year.
8tl» Year.
Otll Year.
loth Year.
21
214. G2
256.58
300.09
345.2.-.
392.09
22
218.18
260.87
305.14
351.07
398.73
23
221.85
265.27
310.32
357.07
405.58
24
225.62
269.82
315.68
363.26
412.63
25
229.50
274.50
321.18
369.62
410.83
26
233.48
279.32
326.85
376.15
427.36
27
237.59
284.26
332.67
382.90
4.35.04
28
241.81
289.35
338.67
389.84
4-t2.95
29
246.14
294.58
344.83
396.96
451.07
30
250.60
299.96
351.16
404.29
459.42
31
255.18
305.47
357.65
411.80
468.00
S2
259.87
311.12
364.31
419.51
476.80
33
264.66
316.92
371.14
427.41
485.83
34
269.58
322.86
378.14
4.35.52
495.10
35
274.60
328.93
385.30
443.82
504.58
36
279.74
335.15
392.65
452.31
514.30
37
285.00
341.51
400.13
461.02
524.23
38
290.37
347.99
407.80
469.89
534.37
39
295.83
354.61
415.59
478.92
544.70
40
301.41
361.34
423.55
488.13
555.22
41
307.05
368.18
431.61
497.46
565.89
42
312.78
375.10
439.76
506.90
576.71
43
318.57
382.08
448.00
516.46
587.67
44
324.38
389.10
456.28
526.09
598.74
45
330.19
396.15
464.61
535.80
609.91
40
336.01
403.20
472.98
545.55
021.18
47
341.80
410.23
481.34
555.33
632.51
48
347.53
417.23
489.67
565.12
643.89
49
353.22
424.18
497.98
574.90
655.30
50
358.82
431.05
506.21
584.65
666.72
51
364.34
437.83
514.38
594.35
678.13
52
369.73
444.49
522.42
603.93
689.50
53
374.99
451.01
530.35
613.43
700.83
54
380.09
457.37
538.11
622.80
712.08
55
385.00
463.51
545.66
632.01
723.24
56
389.68
469.44
553.01
641.04
734.27
57
394.13
475.11
500.11
649.8:3
745.16
58
398.31
480.49
566.91
658.39
755.89
59
402.17
485.53
573.36
666.63
766.41
60
405.71
490.20
579.49
674.56
776.73
58
Am.
Ex.
MODIFIED PRELIMINAEY TERM.
3% TERMINAL RESERVES.
ENDOWMENT IN 20 YEARS.
A PTC.
1st Year.
2d Yen p.
21
27.29
63.27
22
27.01
63.06
23
26.71
62.71
24
26.40
62.41
25
26.07
62.09
26
25.74
61.78
27
25.38
61.44
28
25.02
61.08
29
24.64
60.72
30
24.24
60.35
31
23.82
59.96
32
23.39
59.54
33
22.94
59.13
34
22.47
58.71
35
21.99
58.27
36
21.49
57.83
37
20.97
57.35
38
20.43
56.89
39
19.87
56.41
40
19.30
55.93
41
18.71
55.44
42
18.10
54.97
43
17.48
54.47
44
16.84
53.99
45
1G.18
53.49
46
15.51
53.00
47
14.83
52.51
48
14.13
51.99
49
13.43
51.47
50
12.71
50.94
51
11.90
50.42
52
11.26
49.92
53
10.53
49.43
54
9.79
48.95
55
9.06
48.. 50
56
8.34
48.08
57
7.61
47.69
58
6.90
47.33
59
6 . 20
46.99
CO
5.51
46.71
ltd Year.
4tl» Yeai
100.59
139.28
100.31
139.01
100.04
138.74
99.75
138.46
99.45
138.17
99.14
137.86
98.81
137.55
98.47
137.22
98.13
136.90
97.77
136.56
97.41
136.20
97.02
135.85
96.64
135.51
96.25
135.14
95.85
134.77
95.44
134.39
95.03
134.02
94.62
133.68
94.21
133.34
93.82
133.02
93.44
132.72
93.06
132.43
92.69
132.15
92.33
131.89
91.97
131.64
91.61
131.37
91.25
131.10
90.86
130.80
90.49
130.51
90.11
130.25
89.76
130.00
89.43
129.79
89.12
129.60
88.84
129.47
88.61
129.39
88.42
129.36
88.28
129.38
88.18
129.46
88.13
129.60
88.14
129.80
179.40
179.15
178.88
178.60
178.32
178.02
177.73
177.41
177.09
176.77
176.43
176.09
175.76
175.43
175.08
174.74
174.42
174.11
173.83
173.56
173.33
173.11
172.90
172.70
172.50
172.29
172.07
171.82
171.61
171.38
171.20
171.04
170.93
170.87
170.86
170.91
171.02
171.19
171.42
171.72
59
modified preliminary term.
f1a% terminal reserves,
endowment in 20 years.
Ase.
GtU Venr.
7th Yenr.
8tli Year.
Otli Year.
lOtU Year.
21
221.02
2(M.20
308.98
355.44
403.62
22
220.77
2(i3.9r)
308.73
355.20
403.40
23
220.51
2(53 . 68
308.47
354.94
403.17
24
220.21
2(!3.42
308.21
354.70
402.00
25
219.96
263.16
307.95
354.43
402.65
26
219.68
262.87
307.68
354.16
402.38
27
219.38
262.59
307.39
353.88
402.12
2S
219.08
262.28
307.10
353.59
401.82
29
218.76
261.99
306.80
353.30
401.52
30
218.46
261.69
306.52
352.99
401.23
31
218.14
261.37
306.20
352.69
400.92
32
217.82
261.05
305.88
352.36
400.00
33
217.40
260.74
305.58
352.07
400.30
34
217.17
260.44
305.27
351.77
400.01
35
216.8-1
260.12
304.99
351.49
399.71
36
216.53
259.83
304.71
351.21
399.44
37
216.24
2.59.57
304.46
350.97
399.18
38
215. 9S
259.32
304.22
350.74
398.94
39
215.73
259.12
304.02
350.50
398.71
40
215.51
258.91
303.83
350.32
398.44
41
215.31
258.74
303.65
350.11
398.18
42
215.14
258.59
303.47
349.88
397.89
43
214.98
258.42
303.27
349.63
397.56
44
214.80
258.23
303.06
349.34
397.20
45
214.62
258.04
302.81
349.04
396.79
46
214.43
257.84
302.57
348.70
396.34
47
214.22
257.60
302.28
348.31
395.83
48
213.99
257.34
301.96
347.90
395.27
49
213.77
257.09
301.62
347.44
394.68
50
213.57
256.85
301.28
346.99
394.07
51
213.38
256.61
300.97
346.53
393.43
52
213.21
256.42
300.67
346.08
392.77
53
213.13
256.26
300.39
345.63
392.10
54
213.08
256.15
300.15
345.19
391.43
55
213.07
256.06
299.92
344.76
390.74
56
213.12
256.04
299.75
314.38
390.03
57
213.23
256.06
299.61
343.97
389.29
58
218.39
2.56.14
299.49
343.55
388.50
59
213.60
256.23
299.35
343.08
387.58
60
213.89
256.36
299.23
342.58
386.60
60
MODIFIED PRELIMINAEY TERM.
Am."
Ex. J
J%
TERMINAL RESERVES.
1
# /\-^
ENDOWMENT IN 20 YEARS
•
Ase.
lltli Year,
12tU Year.
13th Year.
14tU Year. 15tli Year.
21
453. G7
505.59
559.49
615.45
673.57
22
453.44
505.30
559.27
615.24
673.37
23
453.20
505.13
559.05
615.02
673.17
24
452.94
504.88
558.80
614.80
672.94
25
452.70
504.04
558.57
614.57
672.73
20
452. 4:i
504.38
558.31
614.32
672.49
27
452.10
504.12
558.05
634.05
672.25
28
4.51.87
503.81
557.75
613.76
671.96
29
451.58
503.52
557.46
613.47
671.69
30
451.28
503.23
557.17
613.20
671.41
31
450 . 95
502.91
556.85
612.88
671.10
32
450.04
502.59
556.52
612.55
670.78
33
450.34
502.28
556.21
612.23
670.45
34
4.50.04
501.98
555.89
611.90
070.11
35
449.71
501.60
555.55
611.54
669.78
36
449.45
501.34
555.21
611.10
609.33
37
449.17
501.04
554.86
610.77
668.90
38
448.91
500.72
554.49
610.35
668.44
39
448.02
500.. 30
554.07
609.88
667.93
40
448.29
499.90
553.59
609.32
667.32
41
447.95
499.55
553.10
608.76
666.70
42
447.58
499.09
552.54
608.10
665.90
43
447.17
498.58
551.92
607.38
605.17
44
440.70
497.99
551.22
606.56
664.28
45
440.18
497.33
550.42
605.67
663.27
46
445.60
490.01
549.57
604.67
662.18
47
444.95
495.81
548.60
603.55
600.96
4S
444.23
494.92
547.53
602.33
659.59
40
443.47
493.90
546.38
600.99
658.11
50
442.65
492.93
545.12
599.53
656.49
51
441.80
491.85
543.80
597.98
654.73
52
440.90
490.08
542.37
596.29
652.84
53
439.97
489.40
540.85
594.46
650.79
54
439.02
488.18
539.22
592.51
648.55
55
437.99
480.79
537.45
590.35
646.06
56
436.92
485.31
535.. 53
588.01
643.35
57
4.-^5.78
483.70
.533.42
585.41
640.34
58
434.52
481.91
531.07
582.54
637.02
59
433.09
479.89
528.43
579.33
633.38
60
431.52
477.09
525.61
575.93
629.54
61
MODIFIED PRELIMINARY TER:\r.
Am. ■
Ex. ,
i%
TERMINAL RESERVES.
^
w / ^^
ENDOWMENT IN 20 YEARS.
Agre.
16*11 Year.
17tU Year.
18tU Year.
19th Year. 20tli Year.
21
733.93
706.64
861.79
929.54
1000.00
22
733.75
796.48
861.69
929.49
1000.00
23
733.56
796.32
861.56
929.41
1000.00
24
733.35
796.14
861.41
929.31
1000.00
25
733.17
795.98
861.30
929.24
1000.00
26
732.95
795.79
861.15
929.17
1000.00
27
732.72
795.59
861.01
929.09
1000.00
28
732.45
795.35
860.84
929.00
1000.00
29
732.21
795.14
860.64
928.89
1000.00
30
731.95
794.92
860.42
928.78
1000.00
31
731.65
794.64
860.22
928.64
1000.00
32
731.34
794.37
860.02
928.49
1000.00
33
733.02
794.07
859.77
928.33
1000. 00
34
730.67
793.74
859.50
928.16
1000.00
35
730.20
793.37
859.18
927.96
1000.00
30
729.88
792.98
858.80
927.76
1000.00
37
729.44
792.57
858.51
927.54
1000.00
3S
728.96
792.10
858.11
927.30
1000.00
39
728.43
791.59
857.69
927.04
1000.00
40
727.82
790.99
857.21
926.73
1000.00
41
727.14
790.34
856.63
926.36
1000.00
42
726.36
789.59
855.98
925.95
1000.00
43
725.54
788.80
855.31
925.53
1000.00
44
724.61
787.90
854.54
925.05
1000.00
45
723.57
786.89
853.69
924.51
1000.00
46
722.43
785.78
852.75
923.91
1000.00
47
721.13
784.54
851.69
923.24
1000.00
48
719.71
783.16
850.50
922.48
1000.00
49
718.17
781.65
849.21
921.65
1000.00
50
716.45
779.98
847.76
920.71
1000.00
51
714.59
778.14
846.18
919.70
1000.00
52
712.58
776.15
844.45
918.58
1000.00
53
710.38
773.98
842.56
917.37
1000.00
54
707.96
771.57
840.46
916.01
1000.00
55
705.26
768.87
838.09
914.46
1000.00
56
702.32
765.93
835.53
912.81
1000.00
57
699.05
762.69
832.71
910.98
1000.00
58
695.49
759.16
829.63
908.99
1000.00
59
691.60
755.31
826.25
906.73
1000.00
60
687.49
751.23
822.63
904.31
1000.00
62
^rODIFIED PRELIMINARY TERM.
Am. ■
Ex. '
%
TERMINAL RESERVES.
\i
/\^
ENDOWMENT IN
15 YEARS
•
AKe.
1st Year.
2d Year. 3d Year.
4th Year. 5tli Year.
2\
43.73
90.78 151.81
208.91
268.14
22
43.44
90.49 151.53
208.03
207.88
23
43.14
90.20 151.25
208.35
207.01
£4
42.82
95.89 150.94
208.00
207.31
25
42.49
95.50 150.63
207.75
207.02
2(>
42.15
95.24 150.31
207.43
200.71
27
41 . 70
94.89 149.98
207.09
200.38
28
41.41
94.51 149.60
200.74
260.03
29
41.02
94.13 149.22
200.38
205.68
30
40.01
93.73 148.84
200.00
265.31
31
40.18
93.. 32 148.43
205.59
264.92
3-
39.73
92.87 147.99
205.18
264.51
S:i
30.26
92.41 147.56
204.75
204.09
34
38.77
91.95 147.09
204.30
203.64
S5
38.20
91.40 146.64
203.81
263.16
sr.
37.72
90.95 140.11
203.32
202.08
37
37.10
90.38 145.57
202.80
202.17
3S
30.. 17
89.82 145.03
202.28
201.05
S9
35.90
89.24 144.46
201.73
261.13
40
35.33
88.04 143.90
201.18
200.59
41
34.07
S8.02 143.31
200.62
200.04
42
33.98
87.39 142.71
200.04
259.47
43
33.27
80.72 142.09
199.44
258.87
44
32.54
80.05 141.44
198.82
258.24
4r,
31.77
85.34 140.78
198.10
257.55
46
30.99
84.01 140.07
197.44
250.80
47
30.17
83.85 139.32
190.07
255.98
48
29.33
83.04 1.38.51
195.82
255.09
41)
28.45
82.20 137.66
194.93
254.13
50
27.50
81.33 136.78
194.00
253.12
51
20.04
80.41 135.84
193.00
252.03
52
25.09
79.48 1.34.88
191.90
250 . 87
58
24.72
78.50 133.84
190.84
249.05
5t
23.71
77.50 132.79
189.69
248.36
sr.
22.09
76.46 131.70
188.50
240.99
5G
21.04
75.41 130.57
187.25
245.56
57
20.57
74.33 129.42
185.94
244.07
58
19.48
73.23 128.22
184.59
242.50
50
18.38
72.10 127.00
183.20
240.86
60
17.20
70.90 125.74
181.74
239.15
G3
^lODIFIEI) PKELIMINxVKY TEKM.
Am. ■
Ex. J
i%
TERMINAL UESEin ES.
^
w /^-'
ENDOWMENT IN 15 YEARS
•
Age.
Otli Year.
7tU Year.
8tli Year.
0th Year. lOtU Year.
21
329. (;i
393.41
459.62
528.36
599.70
21!
329.35
393.16
459.39
528.13
599.50
23
329.10
392.90
459.14
527.90
599.30
24
328.81
392.63
458.88
.527.65
599.05
23
328.52
392.36
458.62
527.41
598.84
2G
328.23
392.08
4,58.35
527.16
598.61
27
327.90
391.76
458.05
526.87
598.35
2S
327.57
391.43
457.73
526.58
598.07
29
'i21.-2\
391.10
457.41
526.26
597.78
SO
32G.85
390.76
457.09
525.95
597.49
31
32G.49
390.38
456.72
525.60
597.15
32
326.09
389.98
456.33
525.23
596.81.
33
325.06
389.57
455.94
524.83
596.44
34
325.22
389.13
4.55.49
524.42
596.04
3?
324.74
388.66
455.04
523.98
595.62
3<i
324.27
388.21
454.59
523.54
595.20
37
323.77
387.71
4.54.10
523.07
594.75
38
323.26
387.20
455.60
522.57
594.26
39
322.73
386.69
4.53.08
522.05
593.75
40
322.21
386.16
452.55
521.. 52
593.20
41
321.66
385.60
451.97
520.91
592.59
42
321.09
385.01
451.34
520.25
591.92
43
320.48
384.36
4.50.67
519.54
591.17
44
319.80
383.64
449.89
518.72
590.34
45
310.07
382.87
449.05
517.84
589.42
4G
318.28
382.00
448.13
516.85
588.40
47
317.39
381.02
447.08
515.73
587.24
48
316.43
379.99
445.96
514.53
585.98
49
315 . 38
378.84
444.69
513.18
584.59
50
314.26
377.62
443.35
511.75
583.08
51
313.06
376.27
441.89
510.16
581.43
52
311.77
374.84
440.. 30
508.44
579.60
53
310.40
373.30
438.58
506.. 57
577.63
54
308.94
371.65
436.73
.504.54
575.47
55
307.38
369.87
434.72
502.33
573.14
5G
305.72
367.97
432.59
502.33
570.59
57
303.99
365.96
430.30
499.93
567.84
58
302.15
.363.83
427.80
497.43
564.84
59
300.22
361.55
425.22
4f»4 . ^^^
561.58
60
298.17
359.11
422.33
488.44
558.01
64
]^[ODIFIED PRELIMINARY TERM.
Am. ■
Ex. -
i%
TERMINAL RESERVES.
^
W 1^^
ENDOWMENT IN 15 YEARS.
Age.
lltU Year.
IStli Year.
13tU Year.
14tU Year. 15th Year.
21
673.80
750.74
830.67
913.70
1000.00
22
673.1)3
750.59
830.56
913.64
1000.00
23
673.4-1
750.48
830.47
913.58
1000.00
24
673.21
750.25
830.30
913.51
1000.00
25
673.03
750.10
830.19
913.44
1000.00
20
672.83
749.94
830.08
913.38
1000.00
27
072.59
7i9.73
829.90
913.27
1000.00
28
672.34
749.52
829.76
913.19
1000.00
29
672.07
749.29
829.57
913.10
1000.00
30
671.82
749.08
829.43
913.01
1000.00
31
671.51
748.82
829.23
912.89
1000.00
32
671.21
748.56
829.02
912.77
1000.00
33
670.86
748.26
828.79
912.64
1000.00
34
670.50
747.94
828.53
912.49
1000.00
35
670.12
747.60
828.27
912.33
1000.00
36
669.72
747.25
827.99
912.16
1000.00
37
669.29
740.88
827.69
911.98
1000.00
38
66S.S3
746.45
827.34
911.76
1000.00
39
668.32
745.99
826.97
911.53
1000.00
40
667.78
745.49
826.56
911.29
1000.00
41
667.18
714.93
826.10
911.01
1000.00
42
666.54
744.34
825.62
910.71
1000.00
43
665.80
743.66
825.05
910.37
1000.00
44
664.90
742.87
824.48
909.96
1000.00
45
664.05
742.03
823.71
909.53
1000.00
4C
663.04
741.08
822.94
909.05
1000.00
47
661.88
740.00
822.07
908.50
1000.00
48
600.63
738.85
821.09
907.91
1000.00
49
659.24
737.55
820.01
907.24
1000.00
50
657.72
736.13
818.83
906.51
1000.00
51
656.06
734.56
817.53
905.72
1000.00
52
654.22
732.83
816.09
904.81
1000.00
53
652.23
730.95
814.52
903.83
1000.00
54
650.04
728.87
812.76
902.71
1000.00
55
647.65
726.59
810.84
901.50
1000.00
56
64.T.04
724.08
808.71
900.15
1000.00
57
642.20
721.35
806.37
898.65
1000.00
58
039.09
718.34
803.79
897.01
1000.00
59
635.70
715.04
800.96
895.21
1000.00
60
631.04
711.38
797.82
893.19
1000.00
65
Am
Ex.
MODIFIED I>RELi:^IIXAEY TERM.
3% TERMINAL RESERA^ES.
ENDOWMENT IN 10 YEARS.
Ase.
1st Year.
2d Year.
3d Year.
4th Yeai
21
77.29
165.18
256.39
351.06
22
77.00
164.91
2.56.13
3,50.82
23
70.71
164.62
255.87
350.56
24
76.39
164.32
255.58
350.30
25
70.07
164.01
2.55.29
350.02
26
7.'). 73
163.69
2.54.98
349.72
27
75.37
163.35
254.65
349.42
28
75 . 00
162.98
2.54.30
349.12
29
74.01
162.60
2.53.95
348.77
30
74-. 20
162.21
2.53.57
348.42
31
73.77
161.80
253.18
348.06
32
73.32
161.35
2.52.75
347.65
33
72.84
160.90
252.32
347.24
34
72.35
160.42
251.85
346.79
35
71.83
1.59.91
251.37
346.33
3«
71.28
1.59.39
2.50.86
345.84
37
70.71
1.58.82
2.50.30
345.31
3S
70.10
1.58.23
249.73
344.77
39
69.47
157.61
249.12
344.18
40
68.81
156.96
248.. 50
343.56
41
08.12
1.56.28
247.83
342.93
42
67.39
155.58
247.13
342.25
43
66.63
154.82
246.39
341.. 53
44
65.84
154.04
245.62
340.76
45
65.01
153.21
244.80
339.94
46
64.15
152.36
243.92
339.04
47
63.25
1.51.44
243.01
338.11
48
62.31
1.50.47
242.00
337.00
49
61.34
149.44
240.89
335.85
50
60.32
148.35
239.69
334.61
51
.")9.26
147.19
238.45
333.27
52
58.10
145.98
2.37.12
331.85
53
57.01
144.69
235.69
330.28
54
55.82
143.34
234.17
328.62
55
54.r,S
141.90
232.55
326.84
56
53. 2S
140 . 40
2.30.82
324.92
57
51.04
138.81
228.98
322.85
5i?
50. 5 1
1.37.13
227.02
320.63
59
49.09
1.35.36
224.93
318.24
60
47.58
133.51
222.71
315.67
449.31
449.11
443.87
448.63
448.38
448.11
447.83
447.58
447.23
446.91
446.57
446.20
445.81
445.42
444.97
444.51
444.02
443.49
442.95
442.37
441.76
441.10
440.40
439.65
438.83
437.92
436.94
435.85
434.68
433.39
432.00
430.50
428.86
427.10
425.19
423.12
420.89
418.46
415.85
413.02
66
^ MODIFIED TRELIMINARY TERM.
Am. i
Ex. ,
J%
TERMINAL RESERVES.
^
w / ^^
ENDOWMENT IN
10 YEARS.
Age.
«tli Year.
7tU Your.
8th Year,
9th Year. 10th Year.
21
551.. -52
6.->7.18
767.18
881.38
1000.00
22
551.14
657.03
7(i7.07
881.31
1000.00
23
550.93
656.89
766.94
881.24
1000.00
24
550.72
656.73
766.82
881.18
1000.00
25
550.. 50
656.54
766.68
881.10
1000.00
20
550.27
656.35
766.54
881.03
1000.00
27
550.02
6.56.15
766.40
880.95
1000.00
28
549.70
6.55.93
766.23
880.86
1000.00
29
549.18
655.71
766.07
880.76
1000.00
30
549.20
6,55.47
765.90
880.67
1000.00
31
548.91
655.23
765.71
880.57
1000.00
32
548.58
654.93
765.49
880.44
1000.00
S3
548.22
654.63
765.26
880.29
1000.00
34
547.84
654.33
765.03
880.17
1000.00
35
547.46
653.99
764.77
880.02
1000.00
3G
547.04
6.53.63
764.50
879.86
1000.00
37
546.00
6.53.20
764.21
879.70
1000.00
38
546.12
6,52.84
763.89
879.51
1000.00
39
545.62
652.42
763.56
879.32
1000.00
40
545.09
651.95-
763.19
879.11
1000.00
41
544.51
6.51.42
762.79
878.86
1000.00
42
543.91
6.50.90
762.35
.878.60
1000.00
43
543.24
650.30
761.88
878.31
1000.00
44
542.50
649.62
761.32
878.00
1000.00
45
541.72
648.92
760.75
877.63
1000.00
46
540.84
648.11
760.10
877.22
1000.00
47
539.88
647.23
759.38
876.78
1000.00
48
538.82
646.26
758.59
876.31
1000.00
49
537.66
645.18
7.57.70
875.76
1000.00
50
536.38
643.99
756.71
.875.14
1000.00
51
534.99
642.09
7.55.65
874.49
1000.00
52
5.33.49
641.29
7.54.49
S73.77
1000.00
53
5.31.84
639.72
753.18
872.95
1000.00
54
530.06
638.05
7,51.77
872.08
1000.00
55
528.11
636.20
750.22
871.11
1000.00
50
525.99
634.18
748.. 52
870.05
1000.00
57
523.68
631.96
746.65
868.86
1000.00
58
521.17
629.. 56
744.61
867.56
1000.00
59
518.45
626.92
742.. 36
866.14
1000.00
60
515.19
624.03
739.88
804.. 55
10(X).00
Am.
Ex.
G7
^ MODIFIED PKELIMINAKY TEILM.
395 MEAN KESEKVES.
LIFE PAID-UP IN 20 YEARS.
Agre.
1st Year.
2d Ye»r.
Sd Year,
4tli Year.
6th Year.
21
12.93
29.94
47.55
65.78
84.05
22
13.00
30.34
48.29
66.88
86.13
23
13.0(1
30.75
49.07
68.02
87.65
24
13.12
31.17
49.86
69.20
89.22
25
13.18
31.60
50.67
70.41
90.84
2«
13.23
32.04
51.51
71.65
92.48
27
13.28
32.48
52.35
72.90
94.18
28
13.32
32.94
53.22
74.21
95.93
29
13.38
33.40
54.11
75.55
97.72
30
13.41
33.88
55.04
76.92
99.56
31
13.45
34.36
55.98
78.33
101.45
32
13.49
34.84
56.92
79.76
103.38
33
13.52
35.35
57.92
81.25
105.37
34
13.54
35.86
58.93
82.77
107.41
35
13.56
36.39
59.96
84.32
109.49
36
13.58
36.92
61.03
85.92
111.62
37
13.59
37.46
62.09
87.53
113.81
38
13.61
38.01
63.20
89.21
116.06
39
13.61
38.58
64.34
90.93
118.36
40
13.61
39.16
65.52
92.70
120.74
41
13.61
39.75
66.72
94.52
123.17
42
13.58
40.37
67.95
96.37
125.64
43
13.58
40.99
69.21
98.26
128.15
44
13.59
41.65
70.51
100.20
130.71
45
13.58
42.30
71.82
102.16
133.29
46
13.58
42.97
73.16
104.13
135.87
47
13.59
43.67
74.51
106.11
138.45
48
13.62
44.38
75.87
108.08
141.02
49
13.67
45.11
77.24
110.07
143.61
50
13.73
45.85
78.64
112.10
146.22
51
13.83
46-. 02
80.07
114.14
148.84
52
13.95
47.44
81.53
116.22
151.50
53
14.09
48.28
83.03
118.33
154.17
54
14.28
49.17
84.57
120.47
156.88
55
14.52
50.11
80.17
122.69
159.65
OS
Am.
Ex.
^lODIFIED PRELIMINARY TERM.
3% MEAN RESERVES.
LIFE PAID-UP IN 20 YEARS.
Age.
Cth Year.
Tth Year.
8tli Yeai
21
104.19
124.43
145.38
22
10G.05
126.69
148.05
2.">
107.97
129.01
150.79
24
109.95
131.41
153.62
25
111.98
133.87
1.56.53
26
114.06
136.40
1.59.51
27
116.20
138.99
162.57
28
118.41
141.66
165.72
29
120.66
144.39
168.95
30
122.98
147.21
172.28
31
125.36
150.10
175.67
32
127.80
153.04
179.14
33
130.30
156.07
182.71
34
132.87
159.18
186.37
35
135.49
162.33
190.11
36
138.18
165.61
193.94
37
140.94
168.94
197.85
38
143.76
172.36
201.86
39
146.67
175.86
205.97
40
149.64
179.43
210.13
41
152.68
183.07
214.37
42
155.77
186.77
218.65
43
158.89
190.49
222.94
44
162.06
194.23
227.25
45
165.21
197.96
231.53
46
168.38
201.69
235.81
47
171.56
205.41
240.07
48
174.69
209.11
244.29
49
177.85
212.80
248.48
50
181.02
216.49
252.66
51
184.18
220.17
256.82
52
187.. 37
223.85
260.96
53
190.57
227.53
205.07
54
193.80
231.22
269.17
55
197.05
234.91
273.24
li Year,
lOth Year.
167.08
189.56
170.17
193.08
173.34
196.70
176.62
200.43
179.98
204.25
183.43
208.19
186.98
212.24
190.62
216.39
194.35
220.63
198.19
224.99
202.12
229.46
206.12
234.01
210.24
238.70
214.46
243.49
218.78
248.39
223.19
253.39
227.70
258.51
232.30
263.70
237.00
268.99
241.76
274.32
246.58
279.71
251.42
285.10
2.56.26
290.49
261.12
295.89
265.95
301.24
270.70
306.55
275.53
311.82
280.25
317.02
284.91
322.14
289.56
327.23
294.16
332.24
298.72
337.17
303.21
342.02
307.67
346.80
312.08
351.49
09
MODIFIED PKELLAIINAHY TERM.
Am. ■
Ex. ,
i%
MEAN KESEin ES.
^
kr /^-^
LIFE PAID-UI* IX
20 YEAKS.
Age.
11th Year.
I2tli Year.
13th Year.
14th Year.
16th Year.
21
212.83
236.93
261.90
287.76
314.55
22
216.80
241.37
206.80
293.16
320.46
23
220.88
245.92
271.85
298.70
326.52
24
225.09
250.01
277.04
304.41
332.76
25
229.39
255.42
282.36
310.26
339.15
26
233.83
260.36
287.83
316.27
345.70
27
238.38
265.43
293.43
322.41
352.42
2S
243.04
270.63
299.18
328.72
359.31
29
247.83
275.96
305.06
335.17
366.35
SO
252.7.2
281.41
311.08
341.79
373.56
31
257.73
286.99
317.25
.348.55
380.93
S2
2G2.8(i
292.69
323.54
355.44
388.43
33
2G8.12
298.54
329.99
362.49
396.09
34
273.50
304.51
330.55
369.66
403.88
35
278.99
310.00
343.24
376.95
411.78
36
284.59
316.79
3.50.03
384.34
419.76
37
290.29
323.08
356.92
391.82
427.82
38
296.08
329.46
363.86
399.33
4.35.93
39
301.94
3.35.89
370.86
406.90
444.07
40
307.84
342.35
377.88
414.48
452.22
41
313.78
348.84
384.92
422.08
400.38
42
319.72
355.32
391.94
429.64
408.49
43
325.66
361.79
398.94
437.16
476.55
44
331.57
368.22
405.88
444.63
484.55
45
337.44
374.59
412.75
4.52.00
492.44
46
343.24
380.88
419.52
4.59.26
500.19
47
348.99
387.10
426.20
466.41
507.82
48
354.65
393.20
432.75
473.40
515.27
49
360.22
399.19
439.15
480.21
522.52
50
365.71
405.08
445.42
486.87
529.59
51
371.10
410.83
451.53
493.33
536.42
52
376.38
416.44
457.47
499.59
543.02
53
381.56
421.91
463.20
505.60
549.31
54
386.61
427.21
468.73
511.35
555.32
55
391.54
432.33
474.03
516.82
560.98
Am.
Kx.
MODIFIED PEELIMINARY TERM.
Q^ MEAN RESERVES.
LIFE PAID-UP IN 20 YEARS.
Asre.
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
40
47
48
4!)
50
r.i
r.3
r.4
16tU Yeni
342.31
348.73
355.33
302.11
369.00
370.19
383.48
390.97
398.62
406.44
414.43
422.55
430.84
439.24
447.75
450.33
404.98
473.70
482.43
491.15
499.89
508.57
517.20
525.75
534.17
542.45
550.59
558.53
500 . 25
573.77
581.02
.588.00
594.64
000.90
000.88
17tU Yeai
371.06
378.02
385.17
392.51
400.03
407.76
415.00
423.75
432.03
440.48
449.10
457.85
466.77
475.79
484.91
494.11
503.39
512.71
522.05
531.39
540.72
549.99
559.22
568.35
577.35
586.21
594.89
603.39
611.64
019.07
027.42
034.86
041.95
048.07
054.99
IStli Yeai
400.84
408.37
410.08
424.00
432.12
440.46
448.98
457.71
400.01
475.71
484.97
494.37
503.93
513.58
523.35
533.19
543.11
553.06
563.04
573.01
582.99
592.90
002.70
612.52
622.16
631.05
040.98
650.10
658.98
067.64
075.99
084.03
091.72
099.04
705.98
lOtli Year.
431.71
439.82
448.10
450.04
405.38
474.34
483.50
492.88
502.43
512.18
522.11
532.10
542.37
552.09
503.13
573.04
584.22
594.84
605.51
010.16
626.83
637.44
648.00
058.47
068.84
079.00
089.13
099.01
708.65
718.08
727 23
730.09
744.61
752.82
700.71
20tl» Y'ear.
463.71
472.40
481.31
490.46
499.84
509.45
519.27
529.31
539.54
'549.96
560.56
571.30
582.19
593.20
604.35
615.55
626.85
638.20
649.60
661.01
672.42
683.81
695.17
700.46
717.67
728.75
739.72
750.53
701.14
771.57
781.78
791 . 75
801.47
810.99
820.32
71
MODIFIED PRELIMINAKY TER:\r.
E^ 3% MEAN KESEK^'ES.
LIFE PAID-UP IN 15 YEAK«.
Ase.
1st Y«Mll
21
18.4li
22
18.58
23
18.72
24
18.80
25
19.00
2G
19.15
27
19.29
28
19.43
29
19.58
30
19.72
31
19.85
32
19.99
33
20.13
34
20.20
35
20.39
36
20.51
37
20.03
38
20.75
39
20.87
40
20.97
41
21.07
42
21.16
43
21.20
44
21.35
45
21.44
40
21.54
47
21.62
48
21.72
49
21.84
50
21.90
51
22.09
52
22.24
53
22.40
5i
22.58
55
22.78
5(!
23.02
57
23.28
5S
23.58
59
23.93
CO
24.35
:a Year.
3.1 Yenr.
4tU Yenr.
r.th Year.
41.16
64 . 67
89.05
114.31
41.70
65.67
9t».50
110.23
42.29
66.71
92 . 01 >
118.20
42.87
67.75
93.. 53
120.23
43.48
68.83
95.10
122.32
44.10
69.95
96.73
124.46
44.73
71.09
98.38
126.66
45.38
72 . 26
100.09
128.92
46.04
73.45
101.84
131.24
46.72
74.68
103.64
133.62
47.41
75.94
105.47
1.36.00
48.10
77.21
107.35
1.38.. 56
48.82
78.53
109.29
141.12
49.50
79.88
111.26
143.75
50.30
81.25
113.28
146.42
51.05
82.65
115.33
149.15
51.80
84.05
117.41
151.92
52.58
85.50
119.56
1.54.78
53.37
86.98
121.74
157.69
54.17
88.50
123.98
160.66
54.98
90.03
126.25
163.68
55.81
91.60
128.57
166.76
56.64
93.18
130.91
169.85
57.50
94.79
133.28
172.98
58.35
96.41
135.66
176.11
59.21
98.04
138.04
179.23
60.08
99.67
140.40
182.32
60.95
101.28
142.74
185.. 38
61.81
102.87
145.00
188.41
62.68
104.47
147.. 30
191.41
63.54
106.03
149.62
194.36
64.41
107.02
151.89
197.27
65.29
109.18
1.54.10
200.12
66.17
110.73
1.56.29
202.93
07.05
112.26
158.45
205.08
07.96
113.81
100.60
208.38
68.89
115.34
102.09
211.00
69.83
116.87
104.75
2 13.. 55
70.80
118.41
160.74
210.04
71.82
119.95
108.79
218.45
72
^ MODIFIED PRELIMIXARY TERM.
Am. ■
Ex. .
i%
MEAN RESERVES.
^
w / ^-^
LIFE PAID-UP IN 15 YEARS.
Agre.
«tli Year.
7tli Year.
Stb Year.
9tU Year.
lOth Year.
21
140.49
107.02
195.73
224.87
255.08
22
142.89
170.52
199.15
228.82
259.58
23
145.36
173.50
202.66
232.89
264.23
24
147.90
176.57
206.28
237.07
268.98
25
150.51
179.73
210.00
241.37
273.88
26
153.20
182.98
213.83
245.80
278.93
27
155.96
180.31
217.75
250.34
284.11
2S
158.79
189.73
221.78
255.00
289.42
29
161.69
193.24
225.93
259.79
294.87
30
164.68
190.85
230.18
264.70
300.46
SI
167.74
200.55
234.53
269.73
306.19
32
170.88
204.34
238.98
274.87
312.05
33
174.09
208.21
243.55
280.14
318.05
34
177.38
212.18
248.22
285.53
324.19
35
180.73
216.23
252.99
291.05
330.47
36
184.14
220.37
257.86
296.67
336.86
37
187.64
224.59
262.82
302.41
343.38
38
191.21
228.91
267.90
308.26
350.02
39
194.86
233.31
273.07
314.20
356.75
40
198.59
237.79
278.32
320.23
363.57
41
202.36
242.32
283.63
326.32
370.43
42
206.19
246.92
288.99
332.43
377.33
43
210.05
251.54
294.36
338.57
384.24
44
213.93
256.10
299.73
344.71
391.16
45
217.79
260.77
305.08
350.81
398.03
46
221.65
2G5.36
310.41
356.88
404.87
47
225.47
269.00
315.67
•362.88
411.62
48
229.24
274.39
320.89
368.83
418.32
49
232.97
278.81
326.01
374.65
424.88
50
236.66
283.18
331.05
380.40
431.35
51
240.27
287.45
336.00
386.02
437.67
52
243.83
291.65
340.83
391.50
443.82
53
247.32
295.75
345.53
396.82
449.80
54
250.71
299.72
350.08
401.96
455.56
55
254.03
303.58
354.48
406.91
461.11
56
257.24
307.30
358.71
411.66
466.40
57
260.35
310.88
362.75
416.17
471.41
58
263.35
314.31
366.59
420.42
476.12
59
200.25
317.58
370.21
424.40
480.48
60
269.02
320.66
373.58
428.00
484.47
MODIFIED PRELIMINARY TER:M.
Am. ■
Ex. ,
i%
ME
AN RESERVES.
^
LIFE PAID-UP IN
15 YEARS.
Aeo.
IJtli Ycnr,
IStli Year.
13th Year.
14tli Year.
13tli Year.
21
2SG.39
318.85
352.52
387.42
423.62
291.47
324.52
358.79
394.34
431.20
23
296.70
330.36
365.27
401.47
439.00
24
302.06
336.36
371.91
408.78
447.01
25
307.58
342.52
378.75
416.30
455.25
20
313.27
348.87
385.77
424.04
463.72
27
319.10
355.37
392.98
431.90
472.40
28
325.09
362.04
400.36
440.11
481.32
29
331.23
368.89
407.94
448.40
490.47
30
337.52
375.93
415.75
457.04
499.85
31
343.97
383.12
423.72
405.81
509.45
32
350.57
390.49
431.87
474.77
519.27
33
357.32
398.02
440.21
483.95
529.30
34
364.24
405.73
448.73
493.31
539.54
35
371.30
413.59
457.42
502.85
549.97
36
378.48
421.59
466.26
512.55
500.56
37
385.80
429.73
475.23
522.39
571.30
38
393.24
437.99
484.33
532.30
582.20
39
400.77
446.34
493.53
542.44
593.20
40
408.39
454.77
502.81
552.62
004.33
41
416.05
463.26
512.16
502.88
615.55
42
423.75
471.79
521.56
573.20
020.85
4.3
431.46
480.34
530.98
583.54
638.21
44
4.39.17
488.87
540.40
593.90
049.00
45
446.85
497.38
549.79
004.20
661.01
46
454.48
505.85
559.16
014.60
672.43
47
462.03
514.24
568.44
624.88
683.82
48
469.50
522.55
577.66
635.10
695.18
49
476.85
530.72
586.74
645.20
706.46
50
484.07
5.38.77
595.71
655.20
717.07
51
491.13
546.64
604.49
665.04
728.75
52
498.01
554.32
613.09
674.72
739.72
53
504.70
561.80
621.47
684.19
7.50.53
54
511.14
509.01
629.59
693.41
761.14
55
517.33
575.95
6.37.45
702.40
771.57
56
523.24
582.59
644.98
711.08
781.78
57
528.83
588.88
652.16
719.45
791.75
58
534.00
594.78
6.58.94
727.45
801.47
59
538.92
600.28
665.33
735.13
811.00
60
543.33
605.30
671.28
742.44
820.31
Am.
Ex.
MODIFIED PRELIMINARY TERM.
3% MEAN RESERVES.
LIFE PAID-UP IN 10 YEARS.
Ahto.
1st Year.
2d Year.
3d Year.
4th Yeai
21
29.05
64.01
99.03
136.57
22
29.96
64.91
101.15
138.73
28
30.28
65.84
102.73
140.96
24
30.60
66.80
104.34
143.25
25
30.93
67.78
105.99
145.62
26
31.26
08.80
107.72
148.07
27
31.60
09.82
109.45
150.54
28
31.94
70.88
111.25
153.10
29
32.29
71.95
113.08
155.72
30
32.64
73.07
114.98
158.43
31
32.99
74.20
110.92
161.20
32
33.36
75.36
118.90
164.04
33
33.73
76,55
120.94
106.97
34
34.09
77.70
123.03
169.95
35
34.46
78.99
125.16
173.01
3C
34.83
80.26
127.34
176.14
37
35.21
81.54
129.55
179.32
38
35.59
82.85
131.82
182.58
39
35.96
84.17
134.12
185.90
40
36.34
85.53
130.50
189.31
41
36.71
86.89
138.88
192.76
42
37.07
88.29
141.33
196.28
43
37.45
89.69
143.79
199.83
44
37.82
91.12
140.30
203.44
45
38.19
92.55
148.82
207.07
46
38.57
94.00
151.30
210.71
47
38.94
95.46
153.90
214.36
48
39.32
96.90
150.42
217.97
49
39.71
98.35
158.94
221.57
50
40.10
99.78
101.42
225.14
51
40.50
101.20
163.89
228.67
52
40.90
102.01
166.32
232.15
53
41.30
104.01
168.71
235.57
54
41.71
105.38
171.06
238.92
55
42.12
100.72
173.35
242.18
56
42.54
108.04
175.59
245.36
57
42.96
109.33
177.75
248.41
58
43.41
110.00
179.84
251.36
59
43.86
111.83
181.84
254.15
GO
44.34
113.02
183.75
256.80
174.87
177.70
180.61
183.61
186.70
189.89
193.15
196.49
199.94
203.48
207.12
210.85
214.68
218.61
222.61
226.72
230.91
235.20
239.57
244.05
248.60
253.22
257.90
262.63
267.39
272.16
276.93
281.66
286.39
291.07
295.71
300.26
304.75
309.15
313.43
317.59
321.59
325.43
329.08
332.53
Am.
Ex.
MODIFIED PKELT^riXAKY TERM.
^% MEAN KESEKA ES.
LIFE FAID-Ur IN 10 YEARS.
Age.
Gth Veai
21
2i4.r)<)
22
218.11
23
221.74
24
225.47
25
229.31
26
233.26
27
237.. 32
28
241.50
2'J
245.79
30
250.21
31
254.75
32
259.40
33
264.17
34
2G9.00
35
274.05
36
279 . 17
37
284.41
38
289.76
39
295.22
40
300.81
41
306.47
42
312.23
43
318.07
44
323.96
45
329.87
46
335.80
47
341.74
48
347.64
49
353.54
50
359.38
51
365.17
52
370.87
53
376.49
54
381.99
55
387.36
56
392.56
57
397.59
58
402.43
59
407.02
■60
411.38
til Year.
8th Year.
9tU Year.
lOtli Year.
2.-.5.80
298.53
342.87
388.87
260.03
303.51
348.61
395.41
264.39
308.63
354.53
402.16
268.88
313.91
360.63
409.11
273.51
319.35
366.91
416.26
278.26
324.95
373.36
423.62
283.15
330.69
380.01
431.20
288.19
336.62
386.86
4.39.00
293.35
342.70
393.89
447.01
298.68
348.96
401 . 13
4.55.26
304.14
355.38
408.54
463.72
,309.74
361.96
416.16
472.40
315.48
368.73
423.97
481.32
321.38
375.66
431.99
490.47
327.40
382.75
440.20
499.84
333.58
390.03
448.61
509.44
339.90
397.47
4.57.22
519.27
346.35
405.07
466.02
529.30
3.52.94
412.82
474.98
■ 539.53
3-59.67
420.76
484.13
549.97
366.50
428.78
493.42
560.56
373.43
436.92
502.82
571.30
380.45
445.17
512.. 36
582.19
387.53
453.48
521.97
593.20
394.64
461.85
531.68
604.33
401.79
470.27
541.45
615.55
406.94
478.71
551.26
626.85
416.08
487.15
561.09
638.20
423.20
495.58
570.94
649.60
430.26
503.96
580.76
661.01
437.28
512.30
590.. 56
672.43
444.20
520.. 55
600.27
683.81
451.03
528.71
609.92
695.16
457.74
536.75
619.47
706.45
464.20
544.62
628.87
717.66
470.66
552.33
638.13
72,8.76
476.84
559.83
617.19
739.71
482.80
567.10
6.56.05
7.50.54
488.48
574.08
664.63
761.15
493.88
580.77
672.9.-.
771 .57
76
MODIFIED PEELIMINARY TERM.
Am. ■
Ex. ;
%
MEAN RESERVES.
%
W /^-^
ENDOWMENT IN 20 YEARS.
Age.
1st Year.
2d Year.
3d Year.
4th Year.
5th Year.
21
30.01
65.95
102.60
140.60
180.01
22
30.35
65.70
102.35
140.36
179.78
23
30.08
65.44
102.11
140.12
179.54
24
29.80
65.17
101.85
139.87
179.30
25
29.51
64.89
101.58
139.62
179.06
26
29.21
64.61
101.31
139.35
178.79
28.89
64.31
101.02
139.08
178.54
28
28.56
64.00
100.72
138.79
178.26
29
28.23
63.68
100.43
138.52
178.00
30
27.88
63.36
100.12
138.23
177.73
31
27.51
63.02
99.81
137.93
177.44
32
27.13
62.65
99.46
137.63
177.16
33
26.74
62.31
99.16
137.34
176.90
34
26.34
61.95
98.84
137.05
176.64
35
25.92
61.58
98.51
136.76
176.38
36
25.48
61.21
98.19
136.47
176.12
37
25.06
60.83
97.86
136.19
175.89
38
24.61
60.45
97.55
135.94
175.69
39
24.15
60.07
97.24
135.71
175.52
40
23.69
59.70
96.96
135.51
175.38
41
23.21
59.34
96.70
135.34
175.29
42
22.72
58.99
96.47
135.20
175.23
43
22.24
58.65
96.26
135.10
175.20
44
21.76
58.34
96.08
135.03
175.22
45
21.28
58.03
95.92
135.00
175.26
46
20.82
57.75
95.80
134.98
175.32
47
20.36
57.50
95.71
135.01
175.42
48
19.92
57.26
95.04
135.03
175.51
49
19.52
57.07
95.60
135.12
175.67
50
19.14
56.90
95.60
135.25
175.89
51
18.79
56.78
95.67
135.46
176.18
52
18.48
56.73
95.81
1.35.75
176.55
53
18.22
56.74
96.04
136.12
177.03
54
18.01
56.82
96.34
136.60
177.62
55
17.87
56.98
96.76
137.20
178.33
56
17.79
57.24
97.28
137.92
179.17
57
17.80
57.60
97.93
138.78
180.15
58
17.86
58.08
98.72
139.78
181.29
59
18.04
58.67
99.68
140.94
182.58
60
18.32
59.39
100.71
142.25
184.04
77
:\I()DIFIED PKELIMINAIIY TEini.
Am. ■
Ex. J
]%
ME
AN RESERVES.
. 1
w /^-^
ENDOWMENT IN
20 YEARS.
Arc.
Gth Year.
7tU Year.
8tU Yenr.
Otii Year.
JOth Year.
21
220.88
263.28
307.26
352.88
400.20
22
220.66
263.06
307.04
352.06
400.00
23
220.43
262.83
306.81
352.44
399.79
24
220.19
262.60
306.58
352.22
399.57
25
219.95
262.37
306.37
352.00
399.35
26
219.70
262.13
306.13
351.77
399.12
27
219.45
261.88
305.89
351.53
398.90
2S
219.19
261.63
305.64
351.29
398.65
29
218.93
261.38
305.40
351.05
398.41
30
218.68
261.14
305.17
350.82
398.17
31
218.41
260.88
304.91
350.57
397.93
32
218.15
260.63
304.66
350.31
397.67
33
217.90
260.39
304.43
350.10
397.46
34
217.66
260.16
304.21
349.88
397.25
35
217.41
2.59.93
304.01
349.69
397.05
36
217.19
259.73
303.83
349.51
396.88
37
217.00
259.57
303.68
349.38
396.74
38
216.84
259.44
303.56
349.27
396.63
39
216.71
259.36
303.50
349.19
396.56
40
216.62
259.30
303.46
349.16
396.47
41
216.58
259.29
303.46
349.14
396.41
42
216.58
259.32
303.49
349.13
306.34
43
216.62
2.59.37
303.52
349.13
396.27
44
216.67
2.59.44
303.57
319.12
396.19
45
216.75
259.52
303.62
349.12
396.11
46
216.85
2.59.63
303.70
349.13
396.01
47
216.98
259.74
303.77
349.13
395.90
48
217.11
259.87
303.85
349.13
395.79
49
217.30
260.05
303.97
349.15
395.70
50
217.55
260.28
304.14
349.21
395.63
51
217.87
260.57
304.32
349.33
395.56
52
218.28
260.97
304.68
349.51
395.56
53
218.79
261.46
305.09
349.77
395.63
54
219.42
262.06
305.60
350.12
395.76
55
220.17
262.77
306.19
350.54
395.95
56
221.05
263.61
306.93
351.10
396.24
57
222.07
264.59
307.78
351.74
396.58
58
223.23
265.73
308.78
352.48
396.99
59
224.58
266.99
309.86
353.29
397.40
GO
226.09
268.41
311.08
354.19
397.87
78
^ .AIODIFIED PRELIMIXAEY TEEK
Am . i
Ex. ,
J%
:\[EAN KESEEVES.
^
w / ^^
ENDOWMENT IN
20 YEAES.
Afire.
11th T«'np.
IStli Tear.
latli Year.
14tli Year.
15tli Year.
21
449.31
500.. 30
553.21
608.14
665.18
22
449.12
500.10
553.01
607.95
665.00
^o
44S.!t2
499.00
552.82
007.77
664.83
24
448.09
499.08
552.61
607.57
664.04
'2~i
448.49
499.48
552.41
607.38
604.40
2(i
448.20
499.2(5
5.52.20
607.17
664.26
27
448.04
499.04
551.98
600.95
664.05
2J;
447.79
408.70
551.73
600.70
063.81
20
447..".
498.55
551.40
600.47
003.58
30
447.33
498.32
5.51.26
606.25
003.37
31
447.00
498.06
551.01
605.99
003.12
32
440.81
497.81
550.75
605.73
062.86
33
446.59
497.58
550.52
605.49
602.01
34
440.38
497.37
550.29
605.25
002.37
35
440.10
497.14
550.06
605.00
062.09
36
440.00
490.95
549.83
604.74
661.80
37
445.84
400.77
549.64
604.48
001.52
3S
445.72
496.01
549.40
604.21
661.19
39
445.00
490.41
549.12
603.92
660.84
40
445.45
490.21
548.80
603.. 54
000.41
41
445.33
406.01
548.. 59
603.19
059.00
42
445 . 19
405.79
548.27
602.78
050.49
43
445.04
495.55
547.93
602.33
0.58.05
44
444 . 87
495.27
547.. 53
601.81
6.58., 34
4.-)
444.08
494.95
547.07
601.24
057 . 00
40
414.40
404.00
540.. 58
000.01
050.92
47
444.22
494.21
540.04
500.91
050 . 00
48
44:',. 95
403.78
545.43
599.13
055 . 10
4D
443.00
403.35
544.77
598.30
054.17
no
443.43
402.86
544.10
597.40
653.08
r.i
443.19
402.40
543.40
590.47
651.93
r»2
442.97
491.93
542.60
595.47
6,50.70
'>-.',
442.80
491.48
541.92
,594.42
049.39
r.4
442.07
491.05
541.15
503.31
047.98
">."»
442.57
400.. 59
540.32
502.10
640 . 41
;"«
442.51
490.15
5:19.45
590.80
644.71
r,7
442.48
489.09
538.51
580.30
642.82
r.s
442.47
489.18
537.45
587.77
640.74
r.o
442.41
488.50
5,36.23
585.95
638.43
m
442.34
487.89
534.93
.584.05
630.02
MODIFIED PKELLMIXAKV TVAIM.
Am. ■
Ex. -
1%
ME
AN UESE
ItVES.
1
w /^^
ENDOWMENT IX
20 YEAKS
•
Ase.
nun Year.
ITtli Year.
18th Year.
19tU Year. 20tli Year.
21
724.42
7S5 . 95
849.88
91 6.. -^
985.44
724.20
785.81
849.78
916.29
985.44
2-A
724.00
785.67
849.67
916.22
985.44
24
723.91
785.51
849.54
916.13
985.44
2")
723 . 76
785.36
849.45
916.10
985.44
2(i
723.57
785.22
849.32
016.01
985.44
723.38
785.05
849.20
915.92
985.44
28
723.15
784.85
849.03
915.83
985.44
29
722.95
784.68
848.89
915.76
985.44
30
722.74
784.50
848.76
915.69
985.44
31
722.50
784.27
848.57
915.57
985.44
32
722.25
784.05
848.39
915.45
985.44
33
722.01
783.82
848.19
915.32
985.44
34
721.75
783.56
847.98
915.19
985.44
35
721.46
783.28
847.73
915.02
985.44
36
721.16
782.98
847.47
914.86
985.44
37
720.84
782.67
847.21
914.69
985.44
38
720.49
782.32
846.90
914.50
985.44
39
720.11
781.90
846.53
914.30
985.44
40
719.64
781.46
846.19
914.06
985.44
43
719.18
781.00
845.76
913.76
985.44
42
718.62
780.43
845.24
913.42
985.44
43
718.03
779.85
844.73
913.10
985.44
44
717.37
779.18
844.14
912.72
985.44
45
716.61
778.42
843.48
912.29
985.44
46
715.80
777.60
842.76
911.82
985.44
47
714.88
776.67
841.95
911.30
985.44
48
713.85
775.64
841.03
910.69
985.44
49
712.76
774.53
840.05
910.05
985.44
50
711.54
773.29
838.94
909.31
985.44
51
710.24
771.94
837.74
908.. 52
9S5.44
52
70S. 85
770.50
836.44
907.65
985.44
53
707.35
768.94
835.03
906.73
985.44
54
705.70
767.21
833.46
905.68
9S5.44
55
703.86
765.27
831.68
904.48
985.44
56
701.87
763.16
829.76
903.20
9S5.44
57
699.64
760.82
827.65
901.79
985.44
58
697.17
758.29
825.36
900.27
985.44
59
694.56
755.53
822.85
898.. 56
985.44
CO
691.80
752.64
820.21
896.75
985.44
80
Am.
Ex.
MODIFIED PKELIMIXAKY TERM.
3% MEAN RESERVES.
ENDOWMENT IN 15 YEARS.
Age.
1st Year.
2d Year.
3d Year.
4th Year.
21
46.74
98.83
152.87
208.94
22
46.48
98.57
152.62
208.69
23
46.21
S8.31
152.37
208.44
24
45.92
98.03
152.09
208.17
25
45.62
97.74
151.81
207.90
26
45.32
97.45
151.53
207.62
27
45.00
97.13
151.23
207.33
28
44.06
96.80
150.90
207.01
29
44.31
96.46
150.56
206.69
30
43.95
96.11
150.23
206.36
31
43.56
95.75
149,87
206.01
32
43.17
95.35
149.48
205.64
33
42.75
94.97
149.10
205.27
34
42.33
94.55
148.71
204.89
35
41.88
94.13
148.32
204.50
36
41.42
93.69
147.88
204.07
37
40.94
93.22
147.42
203.63
38
40.44
92.74
146.97
203.20
39
39.93
92.27
140.52
202.77
40
39.41
91.78
146.06
202.33
41
38.86
91.27
145.59
201.89
42
38.. 30
90.77
145.14
201.46
43
37.73
90.26
144.67
201.03
44
37.15
89.75
144.20
200.59
45
36.56
89.22
143.73
200.14
46
35.98
88.71
143.25
199.66
47
35.38
88.19
142.77
199.18
48
34.80
87.67
142.26
198.85
49
34.23
87.14
141.74
198.11
50
.33.67
86.62
141.23
197.57
51
33.13
86.11
140.71
197.00
52
32.60
85.62
140.21
196.45
53
32.09
85.14
139.70
195.87
54
31.61
S4.68
139.22
195.32
55
31.17
84.26
138.77
194.79
56
30.77
83.88
138.35
194.27
57
30.42
83.55
137.98
193.78
58
30.12
83.28
137.05
193.33
59
29.90
83.08
137.39
192.94
60
29.75
82.94
137.18
192.57
267.10
206.86
266.62
266.36
266.10
265.82
265.53
265.23
264.92
264.60
264.25
263.90
263.54
263.16
262.76
262.36
261.93
261.51
261.10
260.68
260.26
259.84
259.42
258.99
258.52
258.03
257.51
256.94
256.34
255 . 74
255.10
254.45
253.77
253.10
252.43
251.76
251.11
250.47
249.87
249.28
SI
MODIFIED PKELIIMINAIIY TERM.
MEAN RESERVES.
ENDOWMENT IN 15 YEARS.
Agre.
6tli Year.
7th Year.
Sth Year.
9tli Year.
10th Year.
21
327.45
390.09
455.09
522.57
592.61
22
327.22
389.86
454.88
522.37
592.42
23
327.00
389.64
454.66
522.16
502.22
24
326.73
389.40
454.43
521.94
592.02
25
326.48
389.15
454.20
521.73
591.84
26
326.22
388.91
453.97
521.51
591.64
27
325.93
388.62
453.70
521.25
591.40
28
325.64
388.34
453.42
521.00
591.17
29
325.33
3SS.04
453.14
520.72
590.91
30
325.02
387.75
452.87
520.46
590.66
31
324.70
387.43
452.55
520.16
590.37
32
324.35
387.00
452.21
519.83
590.07
33
324.00
386.73
451.87
519.50
589.75
34
323.62
386.37
451.50
519.15
589.42
35
323.23
385.98
451.12
518.78
589.07
36
322.83
385.60
450.76
.518.42
588.73
37
322.42
385.19
450.35
518.03
588.36
38
322.00
384.81
449.95
517.63
587.96
39
321.60
384.38
449.56
517.24
587.57
40
321.19
383.08
449.15
516.83
587.15
41
320.78
383.56
448.71
516.37
586.68
42
320.37
383.14
448.26
515.88
586.17
43
319.94
382.68
447.78
515.37
585.62
44
319.48
382.18
447.22
514.76
585.00
45
318.98
381.64
446.63
514.11
584.30
46
318.45
381.05
445.97
513.40
583.53
47
317.87
380.39
445.23
512.59
582.67
48
317.24
379.69
444.46
511.73
581.74
49
316.57
378.92
443.58
510.75
580.71
50
315.87
378.14
442.66
509.73
579.59
51
315.13
377.25
441.66
.^.08.61
578.38
52
314.35
376.34
440.60
507.40
577.05
53
313.55
375.38
439.47
500.10
575.63
54
312.73
374.. 37
438.27
504.71
574.08
55
311.87
373.31
436.99
503.22
572.45
56
311.00
372.20
435.64
501.64
570.64
57
310.13
371.08
434.23
499.97
568.74
58
309.25
369.91
432.77
478.10
566.68
59
308.38
368.72
431.22
476.30
564.48
60
307.49
367.48
429.57
474.24
562.07
82
MODIFIED PKELIMINARY TERM.
Am. i
Ex. ,
J%
:\IEAN EESEEYES.
^
W /^^
ENDOWMENT IN 15 YEARS.
Age.
nth Year.
latli Year.
13tU Year.
14tli Ye«r.
15tli Year.
21
605.33
740. SO
819:29
900.77
985.43
22
665.17
740.72
819.19
900.71
985.43
23
664.98
740.58
819.12
900.67
985.43
24
664.80
740.44
818.95
900.58
985.43
25
664.65
740.30
818.86
900.53
985.43
26
664.47
740.14
818.77
900.48
985.43
27
664.26
739.95
818.61
900.38
985.43
28
664.05
7.39.77
818.48
900.32
985.43
29
663.81
739.57
818.32
900.24
985.43
30
663.60
739.37
818.20
900.16
985.43
31
663.33
739.16
818.02
900.06
985.43
32
663.06
7.38.94
817.84
899.94
985.43
33
662.77
738.68
817.64
899.83
985.43
34
662.40
7.38.41
817.43
899.70
985.43
35
662.14
738.13
817.21
899.57
985.43
36
661.82
737.84
81G.98
899.43
985.43
37
661.47
737.53
816.73
899.25
985.43
38
661.09
737.19
816.44
899.10
985.43
39
660.71
736.83
816.15
898.92
985.43
40
660.28
736.43
815.82
898.72
985.43
41
659.81
735.98
815.44
898.50
985.43
42
659.32
735.53
815.07
898.25
985.43
43
658.75
735.00
814.62
897.97
985.43
44
658.11
734.37
814.10
897.64
985.43
45
657.40
733.71
813.54
897.29
985.43
46
656.63
732.97
812.92
896.90
985.43
47
655.74
732.12
812.20
896.47
985.43
48
654.78
731.21
811.45
895.98
985.43
49
653.73
730.21
810.59
895.44
985.43
50
652.58
729.10
809.66
8M.85
985.43
51
651.33
727.89
808.63
894.21
985.43
52
649.94
726.. 56
807.49
893.48
985.43
f>3
648.40
725.13
806 . 26
892.70
985.43
54
646.83
723.53
804.90
891.81
985.43
55
645.08
721.81
803.40
890.85
985.43
56
643.15
719.92
801.75
889.79
985.43
57
641.12
717.88
799.98
888.64
985.43
58
638.89
715.66
797.99
887.32
985.43
59
636.48
713.21
795.84
885.92
985.43
60
633.81
710.49
793.43
884.34
985.43
83-
Am.
Ex.
396
MODIFIED rKELlMlXAKV TEIOI.
MEAN iiESEKYES.
ENDOWMENT IN 10 YEARS.
Age.
1st Year.
2d Yc«,r.
3d Year.
4tli Yeer.
Sth Year.
21
79.69
165.98
255.53
348.47
444.93
22
79.43
165.73
255.29
348.25
444.74
23
79.16
165.46
255.05
348.02
444.54
24
78.88
165.20
254.80
347.78
444.31
25
78.58
164.92
254.53
347.54
444.08
26
78.27
164. (i;5
254.25
347.27
443.84
27
77.9.J
164.32
253.96
346.99
443.58
28
77.62
164.00
253.65
346.72
443.38
29
77.27
163.05
253.32
346.41
443.05
30
70.91
163.31
253.00
346.11
442.77
31
76 . o~
162.95
252.65
345.75
442.48
32
76.13
162.55
252.27
34^.42
442.14
33
75.70
162.15
251.88
345.06
441.80
34
75.27
161.73
251.48
344.67
441.45
35
74.82
161.29
251.06
344.27
441.07
36
74.34
160.83
250.62
343.85
440.67
37
73.85
160.35
250.14
343.39
440.25
38
73.33
159.84
249.65
342.92
439.80
39
72.79
159.31
249.14
342.42
439.34
40
72.24
158.77
248.61
341.91
438.85
41
71.66
158.23
248.06
341.38
438.35
42
71.05
157.03
247.50
340.83
437.81
43
70.42
157.01
246.89
340.24
437.25-
44
69.79
156.39
246.28
339.64
436.65
45
69.13
155.73
245.63
339.00
436.01
46
68.48
155.08
244.96
338.30
435.30
47
67.79
154.40
244.27
337.61
434. 5r
48
67.10
153.68
243.53
336.80
433.72
49
66.42
152.95
242.72
335.92
432.83
50
65.73
152.20
241.88
335.01
431.86
51
65.04
151.41
241.01
334.05
430.82
52
64.35
150.62
240.10
333.04
429.73
53
63.06
149.80
239.14
331.94
428.52
64
62.97
148.96
238.14
330.78
427.24
55
62.31
148.14
237.10
329.57
425.90
56
61.65
147.25
236.02
328.28
424. 4:J
57
61.00
146.38
234.90
326.92
422.87
58
60.38
145.49
233.73
325.48
421.20
59
59.79
144.60
232.52
323.96
419.42
60
59.23
143.70
231.27
322.35
417.50
84
MODIFIED PEELIMINAKY TEEM.
eI;: 3% MEAN EESEIiVES.
ENDOWMENT IN 10 YEAKS.
Asc.
Otli Yen p.
7tli Year.
8th Year.
Oth Year.
lOtn Year.
21
545 . OG
649.00
756.92
869.02
985.44
22
544.90
648.88
756.83
868.96
985.44
23
544.71
648.72
756.72
868.90
985.44
24
544.52
648.57
756.62
868.84
985.44
25
544.32
648.40
756.50
868.77
985.44
20
544.11
648.23
756.36
868.70
985.44
27
543.88
648.04
756.23
868.63
985.44
28
543.68
647.85
756.09
868.55
985.44
29
543.40
647.64
755.94
868.46
985.44
30
543.16
647.44
755.80
868.40
985.44
31
542.90
647.23
755.63
868.30
985.44
32
542.61
646.97
755.43
868.18
985.44
33
542.29
646.70
755.22
868.05
985.44
34
541.98
646.43
755.03
867.95
985.44
35
541.64
646.15
754.80
867.82
985.44
36
541.27
645.83
754.56
867.68
985.44
37
540.90
645.51
754.31
867.54
985.44
38
540.48
645.16
754.04
867.37
985.44
39
540.00
644.80
753.76
867.21
985.44
40
539.61
644.40
753.45
867.03
985.44
41
539.11
643.97
753.11
866.83
985.44
42
538.64
643.54
752.76
866.61
985.44
43
538.10
643.05
752.37
866.38
985.44
44
537.52
642.51
751.92
866.09
985.44
45
53G.90
941.94
751.46
865.81
985.44
46
536.20
641.30
750.93
865.47
985.44
47
535.46
640.50
750.35
865.13
985.44
48
534.63
639.83
749.72
864.74
985.44
49
533.73
638.98
749.00
864.30
985.44
m
532.75
638.05
748.21
863.78
985.44
51
531.68
637.03
747.36
863.26
985.44
52
530.55
635.94
746.44
862.68
985.44
63
529.30
634.73
745.40
862.02
985.44
54
527.96
633.44
744.29
861.31
985.44
55
526.53
632.03
743.09
860.54
985.44
56
524.97
630.50
741.76
859.70
985.44
57
523.29
628.82
740.31
858.76
985.44
58
521.47
627.02
738.74
857.74
985.44
59
519.52
625.06
737.01
856.62
985.44
€0
517.41
622.92
735.11
855.37
985.44
Am.
Ex.
31%
MODIFIED PRELIMINARY TERM.
TERMINAL RESERVES.
87
MODIFIED TRELIMINARY TER:\r.
eIT 32% TERMINAL RESERVES.
LIFE PAID-UP m 20 YEARS
Aee.
1st Year.
'20
7.72
21
7.77
22
7.81
23
7.86
24
7.90
25
7.94
26
7.97
27
8.00
28
8.03
29
8.06
30
8.07
51
8.08
32
8.09
33
8.09
34
8.09
35
8.09
30
8.05
37
8.01
38
7.97
39
7.92
40
7.85
41
7.77
42
7. 08
43
7.57
44
7.46
45
7.32
40
7.17
47
7.00
48
6.82
49
6.62
50
6.40
51
6.17
52
5.92
53
5.65
54
5.36
55
5.07
5(5
4.75
57
4.43
58
4.09
59
3.74
CO
3.39
a Year.
3d Year.
4th Yeai
22.23
37.32
53.00
22.60
38.02
54.04
22.98
38.75
55.14
23.37
39.49
56.26
23.77
40.20
57.42
24.18
41.05
58.61
24.59
41.87
59.83
25.02
42.71
61.09
25.46
43.57
62.40
25.92
44.46
63.74
26.37
45.38
65.12
26.84
46.31
66.53
27.30
47.26
67.98
27.79
48.26
69.49
28.29
49.27
71.04
28.79
50.29
72.59
29.30
51.34
74.21
29.82
52.42
75.85
30.34
53.52
-77.55
30.87
54.65
79.29
31.42
55.81
81.08
31.90
57.01
82.90
32.52
58.21
84.78
33.07
59.44
S6.00
33.64
60.07
88.57
34.19
61.92
90.49
34.76
63.17
92.39
35.30
64.39
94.20
35.82
65.58
06.13
36.31
66.76
97.90
36.80
67.93
99.79
37.28
69.09
101.60
37.75
70.25
103.39
38.20
71.38
105.16
38.65
72.49
106.92
39.07
73.61
108.68
39.50
74.73
110.42
39.93
75.84
112.15
40.33
76.92
113.84
40.73
78.00
115.52
41.13
79. (»7
117.19
69.32
70.73
72.19
73.69
75.25
76.85
78.50
80.21
81.96
83.77
85.62
87.54
89.50
91.53
93.62
95.73
97.91
100.15
102.45
104.81
107.24
109.71
112.22
114.77
117.35
119.91
122.45
124.90
127.46
129.92
132.37
134.80
137.20
139.57
141.93
144.26
146.58
148.85
151.08
153.29
l.-.5.4t;
88
3, MODIFIED PRELIMINARY TERM.
2% TERMINAL RESERVES.
LIFE PAID-UP IN 20 YEARS.
Age. etli Year
20 86.29
21 88.07
22 89.91
23 91.82
24 93.79
25 95.81
26 97.90
27 100.07
28 102.28
29 104.57
30 106.93
31 109.35
32 111.84
33 114.41
34 117.03
35 119.73
36 122.50
37 125.33
38 128. 2G
39 131.25
40 134.31
41 137.42
42 140.58
43 143.77
44 146.98
45' 150.17
46 153.34
47 156.47
48 159.57
49 162.65
50 165.69
51 168.70
52 171.66
53 174.61
54 177.51
55 180.35
56 183.19
57 185.95
58 188.65
191.30
193.87
'tU Year.
8th Year.
9th Year.
lOth Year.
103.95
122.30
141.40
161.26
106.11
124.88
144.39
164. G9
108.36
127.53
147.47
168.22
110.07
130.27
150.66
171.87
113.06
133.11
153.95
175.62
115.54
136.04
157.34
179.49
118.07
139.04
160.83
183.50
120.70
142.15
164.45
187.52
123.40
145.35
168.16
191.87
126.19
148.65
171.98
196.22
129.06
152.04
175.92
200.71
132.01
155.53
179.96
205.31
135.02
159.11
184.09
210.04
138.14
162.78
188.36
214.91
141.34
166.57
192.73
219.90
144.61
170.44
197.23
225.00
147.98
174.41
201.82
230.23
151.44
178.49
206.53
235.57
154.98
182.67
211.32
241.01
158.61
186.92
216.22
246.55
162.30
191.26
221.19
252.12
166.06
195.65
226.20
257.73
169.86
200.08
231.23
263.36
173.69
204.50
236.26
268.98
177.50
208.93
241.28
274.58
181.31
213.32
246.26
280.14
185.08
217.69
251.20
285.64
188.80
222.00
256.06
291.04
192.50
226.26
260.88
296.39
196.15
230.46
265.60
301.63
199.76
234.60
270.26
306.76
203.31
238.68
274.82
311.78
206.83
242.69
279.29
316.67
210.28
246.62
283.65
321.42
213.67
250.46
287.88
326.02
217.01
254.20
292.00
330.47
220.27
257.85
295.99
334.72
223.46
261.40
299.81
338.77
226.55
264.80
303.45
342.57
229.54
. 268.06
306.87
346.08
232.42
271.14
310.07
349.31
MODIFIED PKELIMIXAirV TEKM.
Am. ■
Ex. -
im
TERMINAL
KESERVES.
^
LIFE PAID-UI*
IN 20 YEARS.
Age.
11th Year.
12th Year.
13th Year
14th Year. 15th Year.
20
1S1.94
203. 4.J
225.82
249.10
273.31
21
185.81
207.77
230.62
2.54.39
279.13
22
189.79
212.24
235.58
259.86
285.12
23
193.91
216.84
240.69
265.50
291.30
24
198.16
221.59
245.97
271.31
297.67
25
202.54
226.50
251.40
277.30
304.22
yo
207.05
231.53
256.99
283.46
310.96
27
211.70
236.74
262.75
289.79
317.90
28
216.49
242.67
268.67
296.31
325.04
29
221.41
247.57
274.76
303.00
332.37
30
226.40
2.")3.22
281.00
309.89
339.88
31
231.65
259.01
287.42
316.93
347.58
32
230.98
264.95
293.99
324.15
355.45
33
242.46
271.05
300.73
331.54
363.50
34
248.07
277.31
307.62
339.08
371.70
35
253.81
283.68
314.64
346.75
380.02
36
259.66
290.17
321.79
354.53
388.45
37
265.64
296.79
329.03
362.41
396.96
38
271.72
303.49
336.33
370.36
405.56
39
277.86
310.24
343.72
378.35
414.18
40
284.06
317.04
351.14
386.38
422.85
41
290.27
323.87
358.57
394.42
431.51
42
296.49
330.69
365.98
402.44
440.14
43
302.71
337.49
373.35
410.41
448.70
44
308.88
344.24
380.68
418.30
457.21
45
315.01
3.50.91
387.92
426.11
465.59
40
321.05
357.50
395.05
433.79
473.82
47
326.98
363.95
402.03
441.30
481.89
48
332.84
370.32
408.90
448.67
489.78
49
338.57
376.52
415.56
455.83
497.47
50
344.17
382.54
422.05
462.77
504.89
51
349.62
388.42
428.33
469.48
512.04
52
354.91
394.11
434.39
475.90
518.88
53
360.03
399.58
440.18
482.03
525.37
54
364.97
404.80
445.68
487.82
531.47
55
369.68
409.76
4.50.87
493.23
537.16
56
374.15
414.42
455 . 68
498.22
542.36
57
378.36
418.74
460.10
502.74
547.04
58
382.24
422.67
464.06
506.75
551.21
59
385.79
426.19
467.54
510.27
554.90
60
388.97
429.28
470.59
513.35
558.19
90
MODIFIED PKELIMIXAEY TERM.
Am. <
Ex. ,
m
TERMINAL RESERVES.
^
LIFE PAID-UP
IN 20 YEARS.
Ajfc.
lOtlx Year.
17tU Year.
IStU Year,
lOth Year. ZOth Year.
20
298.51
324.74
352.05
380.40
410.03
21
304.86
331.64
359.50
388.51
418.69
22
311.40
338.74
367.20
390.80
427.62
23
318.14
346.06
375.10
405.34
436.81
24
325.08
353.60
383.27
414.10
446.28
25
332.22
361.35
391.66
423.19
450.00
20
339.57
369.33
400.28
432.48
460.00
27
347.14
377.55
409.15
442.05
476.26
28
354.90
385.97
418.22
451.84
486.77
2U
362.87
394.61
427.57
461.87
497.53
30
371.06
403.45
437.12
472.12
508.49
31
379.40
412.50
446.85
482.56
519.67
32
387.93
421.71
4.56.77
493.18
531.04
33
396.68
431.10
466.85
503.98
542.58
34
405.54
440.64
477.09
514.93
554.30
35
414.50
450.30
487.44
526.02
566.15
30
423.00
460.07
407.90
537.22
578.15
37
432.78
469.91
508.46
548.51
590.22
38
442.02
479.83
519.08
559.89
602.39
39
451.31
489.78
.529.75
571.30
614.63
40
460.60
499.77
540.44
582.76
626.92
41
469.91
509.74
5.51.12
594.23
639.24
42
479.17
519.07
561.78
605.67
651.55
43
488.38
529.55
572.37
617.05
663.83
44
497.50
539.34
582.88
628.36
676.07
45
506.51
548.99
593.20
639.57
688.24
46
515.34
558.48
603.48
650.64
700.30
47
523.98
567.75
613.49
661.49
712.18
48
532.47
576.89
623.30
672.24
724.01
49
540.68
585.73
632.93
682.70
735.60
50
548.63
594.29
642.22
692.91
746.98
51
556.27
602.52
651.17
702.81
758.13
563.59
610.40
659.79
712.40
769. Oi
53
570.51
617.87
007.99
721.02
779.72
54
577.01
624.89
075 . 77
730.49
790.18
"V")
583.04
631.45
083.12
739.04
800.48
5(j
588.56
637.51
090.04
747.20
810.62
57
593.58
643.11
090.50
755.20
820.64
58
598.10
648.24
702.09
702.85
830.54
59
002.17
652.96
708.45
770.18
840.32
^0
005. 8i
057.30
713.83
776.22
849.92
Am,
Ex.
91
^ j MODIFIED PRELIMINARY TERM.
02% TERMINAL RESERVES.
LIFE PAID-UP IX 15 YEARS.
Agre,
1st Year.
2d Year.
3d Year.
4th Year.
5tfc Year.
20
12.44
31.87
52.10
73.14
95.06
21
12. 5G
32.39
53.03
74.51
96.87
22
12.68
32.93
54.00
7.5.93
98.75
23
12.81
33.48
54.99
77.38
100.68
24
12.93
34.05
56.02
78.89
102.69
25
13.05
34.63
57.07
80.43
104.75
26
13.17
35.22
58.17
82.03
100.87
27
13.29
35.83
59.28
83.63
109.08
28
13.41
36.46
60.43
85.38
111.3-1
29
13.53
37.11
61.62
87.13
113.6V
30
13.65
37.77
62.85
88.93
116.06
31
13.76
38.44
64.09
90.77
118.53
32
13.87
39.12
65.37
92.77
121.06
33
13.97
39.82
66.69
94.63
123.07
34
14.07
40.53
68.03
96.62
126.34
35
14.16
41.25
69.40
98.65
129.07
36
14.25
41.99
70.80
100.75
131.8.->
37
14.33
42.73
72.23
102.87
134.71
38
14.39
43.48
73.68
105.06
137.64
39
14.45
44.24
75.16
107.29
140.64
40
14.50
45.01
76.69
109.57
143.69
41
14.53
45.79
78.23
111.88
146.80
42
14.55
46.58
79.79
114.24
149.97
43
14.55
47.36
81.37
116.62
153.14
44
14.54
48.15
82.95
119.01
156.35
45
14.51
48.23
84.55
121.41
159.55
46
14.46
49.69
86.12
123.76
162.69
47
14.39
50.43
87.66
126.08
165.79
48
14.30
51.14
89.14
128.37
168.84
49
14.18
51.81
90.59
130.59
171.83
50
14.03
52.45
92.01
1.32.77
174.77
51
13.85
53.05
93.38
134.89
177.63
52
13.65
53.62
94.71
130.95
180.40
53
13.41
54.14
95.97
138.92
183.07
54
13.14
54.62
97.16
140.81
185.65
55
12.83
55.05
98.29
142.62
188.10
56
12.49
55.42
99.36
144.35
190.45
57
12.11
55.76
100.35
145.92
192.61
58
11.70
56.04
101.27
147.45
194.67
69
11.25
56.24
102.08
148.81
196.56
60
10.77
56.40
102.80
150.05
198.23
92
3, MODIFIED PRELIMINARY TERM.
2% TERMINAL RESERVES.
LIFE PAID-UP IN 15 YEARS.
Ase.
6tl» Year.
7th Year.
Sth Year.
9«h Year.
10th Year.
20
117.87
141.51
166.33
192.08
218.87
21
120.14
144.37
169.60
195.86
223.21
22
122.50
147.24
172.98
199.78
227.70
23
124.94
150.19
176.47
203.83
232.33
24
127.45
153.24
180.08
208.02
237.10'
25
130.05
156.39
183.81
212.33
242.03
26
132.73
159.63
187.64
216.78
247.09
27
135.50
162.98
191.60
221.39
252.39
28
138.35
166.43
195.68
226.12
257.80
29
141.27
170.00
199.89
230.99
263.36
30
144.30
173.66
204.21
236.00
269.08
31
147.40
177.43
208.66 •
241.16
274.96
32
150.59
181.29
213.24
246.45
281.02
33
153.87
185.27
217.92
251.90
287.24
34
157.23
189.34
222.74
257.48
293.61
35
160.67
193.51
227.67
263.20.
300.13
36
1(>4.19
197.80
232.73
269.05
306.81
37
167.80
202.18
237.90
275.05
313.64
38
171.50
206.66
243.20
281.14
320.58
39
175.27
211.24
248.58
287.36
327.65
40
179.12
215.89
254.05
293.67
334.80
41
183.03
220.62
259.61
300.05
342.02
42
186.99
225.39
265.21
306.47
349.28
43
190.98
230.20
270.81
312.91
356.57
44
194.98
234.99
276.41
319.34
363.86
45
198.98
2.39.79
282.02
325.78
371.14
46
202.90
244.50
287.54
332.11
378.31
47
206.80
249.18
293.02
338.39
385.43
48
210.62
253.79
298.41
344.59
392.47
49
214.38
258.30
303.70
350.68
399.38
50
218.07
262.74
308.90
356.66
406.16
51
221.65
267.06
313.95
362.47
412.76
52
225.13
271.26
318.86
368.11
419.17
53
228.50
275.30
323.00
373.55
425.36
54
231.73
279.18
328.13
378.75
431.29
55
234.82
282.88
332.45
383.72
436.94
56
237.78
286.33
336.52
388.45
442.25
57
240.47
289.65
340.40
392.78
447.26
58
243.04
292.73
343.91
396.81
451.82
59
245.37
295.48
347.13
400.40
455.98
60
247.48
297.95
349.91
403.65
459.60
93
MODIFIED rRELi:\IINAKY TERM.
Am. '
Ex. ,
m
TEK]\IINAL
KESEKVES.
LIFE FAID-Ur
IN 15 YEAKS.
Age.
lltli Year.
lirtli Ve«r.
13th Year
14th Year. IBth Year.
20
246.80
275.87
306.15
337.70
370.55
21
251. G9
281.35
312.24
344.42
377.95
22
250. 7G
287.03
318.55
351.39
385.60
23
201.99
292.89
325.07
358.59
393.49
24
207.39
298.93
331.78
365.99
401.63
2."»
272 . 97
305.18
338.72
373.65
410.03
2G
278.71
311.60
345.80
381.53
418.09
27
284.60
318.26
353.24
389.69
427.62
28
290. 7(;
325.08
360.82
398.04
436.81
29
297.05
332.12
368.63
406.66
446.28
30
303.51
339.35
376.155
41.5.52
4.5G.00
31
310.15
346.79
384.92
424.62
460.00
32
310.99
354.43
393.40
4.33.99
470.20
33
324.00
362.27
402.10
443.57
480.77
34
331.19
370.31
411.01
453.39
497.52
35
338.55
378.53
420.11
463.41
508.49
3G
340.07
386.92
429.41
473.62
519.67
37
353 . 75
395.44
438.87
484.02
531.04
38
301.57
404.16
448.45
494.56
542.58
39
309.50
412.97
458.19
505.26
554.30
40
377.50
421.86
468.01
516.04
566.15
41
385.00
430.87
477.95
526.98
578.13
42
393.72
439.90
487.94
537.99
590.22
43
401.89
448.98
497.97
549.05
602.39
44
410.18
4.58.06
508.02
560.14
614.63
45
418.18
467.16
518.13
571.33
626.92
46
426.25
476.13
528.09
582.35
639.24
47
434.26
485.06
538.04
593.43
651.55
48
442.18
493.92
547.91
604.44
663. a3
49
449.96
502.63
557.64
615.32
676.07
50
457.60
511.21
567.25
626.11
688.24
51
465.05
519.57
576.67
636.75
700.30
52
472.29
527.75
585.89
647.20
712.23
53
479.29
535.66
594.87
657.43
724.01
54
486.02
543.28
603.54
667.40
7.35.60
55
492.42
550.58
611.88
677.09
746.98
56
498.40
557.47
619.95
086.41
758.13
57
504.16
583.98
627.42
605 . 43
769.04
58
509.45
570.10
034.59
704.10
779.72
59
514.23
575.72
641.20
712.29
790.18
GO
518.33
580.60
647.42
720.14
800.48
94
MODIFIED PEELIMIXAKY TEKM.
Am. ■
Ex. -
im
TERMINAL
RESERVES.
1
LIFE PAID-UP
IN 10 YEARS.
Aee.
1st Year.
2d Year.
3d Year,
4th Year. 5tli Year.
20
22.12
51.05
82.41
114.45
147.84
21
22.40
52.48
83.82
110.47
150.49
22
22.08
53.35
85.30
118.58
153.25
23
22.90
54.23
80.81
120.74
156.09
24
23.26
55.16
88.37
122.99
159.04
25
23.50
56.10
89.99
125.30
162.08
26
23.86
57.07
91.00
127.68
165.22
27
24.17
58.07
93.37
130.15
168.47
28
24.49
59.09
95-13
132.69
171.80
29
24.81
60.16.
96.97
135.32
175.26
30
25.13
61.24
98.85
138.00
178.80
31
25.46
62.36
100.78
140.79
182.48
32
25.80
63.50
102.70
143.65
186.25
33
20.13
04.07
104.81
146.60
190.13
34
26.47
65.87
100.91
149.03
194.13
35
26.81
67.10
109.05
152.72
198.22
30
27.14
68.35
111.24
155.91
202.4^
37
27.48
69.62
113.49
159.15
206.71
38
27.81
70.92
115.78
162.50
211.14
39
28.14
72.23
118.12
165.90
215.65
40
28.40
73.58
120.53
169.40
220.27
41
28.78
74.93
122.97
172.95
224.98
42
29.08
76.32
125.45
176.58
229.77
43
29.38
77.69
127.96
180.23
234.67
44
29.66
79.10
130.49
183.94
239.56
45
29.93
80.48
133.04
187.68
244.49
4G
30.18
81.87
135.60
191.40
249.43
47
30.42
83.26
138.13
195.11
254.36
48
30. o:',
84.01
140.02
198.79
259 . 25
49
30.81
85.91
143.07
202.43
264.11
50
30.97
87.19
145.50
206.03
268.93
51
31.09
87.42
147.80
209.56
273.68
52
31.17
89.60
150.17
213.02
278.37
53
31.21
90.72
152.39
216.37
282.87
5i
31.21
91.78
154.53
219.61
287.29
55
31.16
92.75
156.54
222.73
291.55
50
31.05
93.04
158.40
225.70
295.65
57
30.88
94.45
100.25
228.. 51
299.50
58
30.66
95.14
161.88
231.11
303.17
59
30.37
95.72
163.34
233.51
306.57
60
30.01
90. IS
104.02
235.07
309.08
A m .
Ex.
^1 :\i()i)iFii:i) iMn:i.iMiNAi;v tkkm.
U 2% TEKMI]S AL KE^EK \'ES.
LIFE I»AID-U1» IN 10 YEAIJ^^.
Arc.
G4h Year.
7tli Year.
8th Your.
01 ii \<-lir.
loth V«-nr.
20
182.62
218.80
250.63
290.00
337.02
-1
1S5.93
222. bO
201.35
301.40
343. 2»
22
180.37
227.03
206.25
307.14
349.70
2a
192. i 13
231.31
271.30
313.00
356.40
24
190. CO
235.75
270.51
319.07
363.39
25
200.41
240.35
281.90
325.34
370.55
20
204.32
245.00
287.55
331.80
377.95
27
208.38
249.97
293.32
338.50
385.60
28
212.55
255.01
299.27
345.40
393.49
2!)
216.87
200.23
305 . 42
352.53
401.03
30
221.31
205.00
311.75
359.00
410.02
31
225.90
271.10
318.30
307.40
418.09
32
230.03
270.85
325.04
375.25
427.02
33
235.48
282.72
331.95
383.28
436.81
34
240.47
288.77
339.10
391.56
446.28
35
245.60
294.90
340.41
400.06
456.00
36
250.86
301.33
353.94
408.79
466.00
37
256.26
307.83
301.00
417.76
476.26
38
261.80
314.59
309.00
426.94
486.77
39
267.46
321.44
377.09
436.33
497.51
40
273.26
328.45
385.97
445.93
508.49
41
279.10
335.00
394 40
455.70
519.68
42
2S5.17
342.80
402.97
465.63
531.04
43
291.25
350.20
411.03
475.69
542.57
44
297.41
357.04
420.41
485.91
554.30
45
303.58
305.12
429.25
496.18
566.15
46
309.78
372.03
438.15
506.56
578.12
47
315.98
380.16
447.10
517.02
590.22
48
322.14
387.60
450.02
527.49
602.38
49
32S.29
395.10
404.97
538.01
614.63
50
334.39
402.02
473.90
548.53
626.92
51
340.41
410.01
482.70
559.04
639.24
52
346.33
417.31
491.55
569.47
651.55
53
352.14
424.47
500.22
579.83
663.83
54
357.81
431.50
508.76
590. 07
676.07
55
363.31
438.34
517.11
000.19
688.24
56
368.00
444.98
525.27
610.13
700.30
57
373.66
451.37
533.20
619.86
712.23
58
378.40
457.48
540.84
629.36
724.01
59
382.98
463.28
548.17
638.57
735.60
60
387.16
4<38.70
555.13
647.46
746.98
MODIFIED PRELIMINARY TERM.
Am. ■
Ex. ■
m
TERMINAL RESERVES.
1
ENDOWMENT IN 20 YEARS.
Age.
Ist Year.
3d Year.
3d Year.
4tl» Year. Bth Year.
20
26.09
60.97
96.70
133.92
172.72
21
26.43
60.72 -
96.45
133.68
172.49
22
26.16
60.47
96.20
133.44
172.24
23
25.88
60.19
95.94
133.18
171.99
24
25.58
59.91
95.66
132.92
171.73
25
25.28
59.61
95.37
132.64
171.46
2<)
24.96
59.30
95.08
132.35
171.18
27
24.62
58.98
94.77
132.05
170.90
•28
24.27
58.64
94.44
131.74
170.60
29
23.90
58.30
94.12
131.44
170.30
30
23.52
57.94
93.79
131.11
169.98
31
23.12
57.57
93.43
130.78
169.68
32
22.71
57.17
93.07
130.44
169.35
33
22.27
56.78
92.71
130.11
169.04
34
21.82
56.38
92.34
129.77
168.72
35'
21.36
55.95
91.95
129.41
168.40
36
20.87
55.52
91.56
129.07
168.08
37
20.37
55.08
91.17
128.71
167.77
38
19.84
54.62
90.78
128.39
167.50
39
19.30
54.17
90.39
128.07
167.24
40
18 . 75
53.71
90.03
127.78
167.01
41
18.17
53.24
89.67
127.49
166.79
42
17.58
52.79
89.31
127.25
166.60
4;j
1(5.97
52.31
88.97
127.00
166.44
44
IG . 35
51.85
88.63
126.77
166.29
45
15 . 71
51.37
88.31
126.55
166.13
4G
15.06
50.91
87.99
126.32
165.96
47
14.39
50.43
87.65
126.08
165.78
48
13.71
49.94
87.30
125.84
165.60
49
13.02
49.44
86.95
125.00
165.42
50
12.32
48.94
86.62
125.39
165.28
51
11.62
48.46
86.31
125.20
165.16
52
10.91
47.99
86.03
125.05
165.07
53
10.19
47.53
85.77
124.92
165.03
54
9.48
47.10
85.54
124.85
165.06
55
8.76
40.67
85.36
124.84
165.13
Am.
Ex.
^ , MODIFIED 1>RELIMIXARY TEinf.
^2% TERMINAL KESERVES.
ENDOWMENT IN 20 YEARS.
A(i?e.
0th Year.
Till Year.
8tlt Year,
Oth Year.
lOth Year.
20
213.15
255.29
299.20
344.99
392.72
21
212.92
255.05
298.99
344.78
392.53
22
212.07
254.83
298.75
344.54
392.29
23
212.43
254.58
298.51
344.. 30
392.07
24
212.17
254.33
298.27
344.07
391.82
25
211.91
254.08
298.02
343.82
391.57
26
211.64
253.79
297.76
343.55
391.32
27
211.37
253.53
297.49
343.30
391.06
28
211.07
253.24
297.20
343.02
390.78
29
210.79
252.97
296.93
342.75
390.50
30
210.49
252.68
296.65
342.46
390.22
31
210.18
252.40
296:36
342.18
389.92
32
209.88
252.08
296.06
341.87
389.62
33
209.58
251.79
295.77
341.59
389.35
34
209.27
251.51
295.49
341.31
389.07
35
208.98
251.22
295.22
341.05
388.80
36
208.69
250.95
294.97
340.80
388.54
37
208.42
250.71
294.73
340.58
388.31
SS
208.18
250.50
294.54
340.37
388.09
39
207.96
2.50.31
294.36
340.18
387.89
40
207.78
250.15
294.21
340.02
387.68
41
207.01
250 . 02
294.07
339.85
387.45
42
207.47
249.90
293.94
339.67
387.20
43
207.34
249.78
293.78
339.47
386.92
44
207.22
249.65
293.62
3.39.25
386.61
45
207.09
249.50
293.44
338.99
386.26
46
200.94
249.. ^4
293.23
338.70
385.87
47
206.79
249.17
293.01
3.38.38
385.42
48
206.62
248.98
292.75
338.04
384.94
49
206.47
248.80
292.50
337.67
384.44
50
206.34
248.64
292.26
337.31
383.91
51
206.23
248.50
292.04
336.96
383.36
52
206.16
248.40
291.84
336.60
382.81
53
206.15
248.33
291.68
336.27
382.26
54
206.19
248.32
291.54
335.95
381.70
55
206.29
248.37
291.46
335.67
381.17
98
MODIFIED PEELIMINAKY TEKM.
Am. '
Ex. ■
m
TERMINAL
RESERVES.
^
ENDOV^^IENT IN 20 YEAKS.
Age.
lltli Year.
12tli Year.
L-Jtli Y«'ar. 14tli Year. 15tl» Year.
20
442.52
494.43
548. i58
605.08
664.01
21
442.31
494.23
548.39
604.55
663. 8D
22
442.08
494.01
548.17
604.68
663.84
23
441.86
493.79
547.97
604.49
663.40
24
441.61
493.55
547.73
604.25
663.24
25
441.37
493.32
547.49
604.03
663 01
26
441.12
493.05
547.24
603.79
662.80
27
440.86
492.80
546.98
603.52
662.54
28
449.59
492.51
546.70
603.25
662.27
29
440.30
492.24
546.42
602.96
662.01
30
440.01
491.94
546.11
602.67
661.72
31
439.71
491.65
545.82
602.37
661.43
32
439.41
491.33
545.50
602.06
661.10
33
439.12
491.04
545.21
601.74
660.79
34
438.83
490.75
544.90
601.42
660.45
35
438.57
490.45
544.. 58
601.09
660.10
36
438.29
490.13
544.26
600.72
659.71
37
438.03
489.87
543.93
600.34
659.27
38
437.79
489.57
543.57
599.93
658.82
39
437.54
489.25
543.17
599.47
658.31
40
437.26
488.90
542.75
598.97
657.75
41
436.95
488.52
542.28
598.41
657.13
42
436.62
488.10
541.15
597.79
600.43
43
436.25
487.62
541.15
597.09
655.64
44
435.83
487.08
540.50
596.31
654.77
45
435.37
486.47
539.76
595.45
653.80
46
434.84
485.80
538.94
594.47
652.72
47
434.25
485.05
538.03
593.41
651 53
48
433.61
484.23
537.02
592.23
650.21
49
4.32.93
483.35
535.92
5V)0.94
648.77
50
432.20
482.41
034.74
589.55
647.19
51
431.44
481.39
533.49
588.06
645.49
52
430.65
480.34
532.15
586.43
643.64
53
429.83
479.23
5.30.72
584.69
641.64
54
429.00
478.05
529.18
582.81
639.45
55
428.12
476.80
527.54
580.77
637.05
9f>
Am
Ex.
31%
MODIFIED PKELIMINAKY TEK.M.
TEIIMIX A L KESE II V i:8.
endowme:nt m 20 yeakjs.
Age.
lGtl» Year.
17th Year.
IStli Year.
10th Year.
20th Year.
20
725.52
789.73
856.79
926.82
1000.00
21
725.38
789.62
856.69
926.78
1000.00
22
725.20
789.40
856.58
926.69
1000.00
23
725.04
789.33
856.47
926.65
1000.00
24
724.82
789.14
856.33
926.56
1000.00
25
724.62
788.96
856.19
926.48
1000.00
2G
724.40
788.78
856.06
926.40
1000.00
27
724.18
788.59
855.90
926.32
1000.00
28
723.92
788.36
855.72
926.19
1000.00
29
723.67
78S.14
855.54
926.11
1000.00
30
723.42
787.89
855.. 35
925.98
1000.00
31
723.12
787 . 65
855.14
925.85
1000.00
32
722.82
787.35
854.90
925.69
1000.00
33
722.50
787.06
854.66
925.55
1000.00
34
722.16
780.73
854.40
925.37
1000.00
35
721.79
786.38
854.09
925.19
1000.00
36
721.38
785.99
853.75
924.97
1000.00
37
720.95
785.56
853.39
924.74
1000.00
38
720.46
785.09
852.99
924.49
1000.00
39
719.93
784.56
852.54
924.20
1000.00
40
719.32
783.98
852.04
923.88
1000.00
41
718.67
783.33
851.48
923.53
1000.00
42
717.93
782.61
850.87
92:3.15
1000.00
43
717.10
7S1.81
850.18
922.70
1000.00
44
716.18
780.92
849.41
922.21
1000.00
45
715.17
779.91
848.56
921.68
1000.00
46
714.01
778.80
847.59
921.05
1000.00
47
712.76
777.55
846.53
920.37
1000.00
48
711.36
776.20
845.35
919.62
1000.00
49
709.83
774.69
844.05
918.78
1000.00
50
708.15
773.04
842.62
917.86
1000.00
51
706.33
771.23
841.03
916.83
1000.00
52
704.33
769.24
839.30
915.70
1000.00
53
702.15
767.05
837.37
914.44
1000.00
54
699.77
704.06
835.26
913.05
1000.00
55
697.14
762.00
832.91
911.53
1000.00
100
31 MODIFIED PEELIMINARY TERM.
2% TERMINAL RESERVES.
ENDOWMENT IN 15 YEARS.
4sre.
1st Year.
2d Year.
3d Year.
4th Year.
6th Year.
20
42.99
94.29
147.77
203.51
261.64
n
42.73
94.04
147.51
203.26
261.39
22
42. 4G
93.77
147.26
203.02
261.14
23
42.17
93.49
146.98
202.74
260.87
24
41.87
93.20
146.69
202.46
260.60
41.56
92.89
146.39
202.17
260.32
2G
41.23
92.50
146.08
201.85
260.00
27
40.89
92.23
145 . 74
201.53
259.71
2S
40.53
91.87
145.39
201.20
259.37
29
40.15
91.51
145.04
200.84
259.03
30
39.76
91.13
144.67
200.47
258.66
31
39.34
90.72
144.27
200.08
258.29
32
38.91
90.29
143.85
199. G9
257.88
33
38.45
89.85
143.43
199.27
257.48
34
37.98
89.40
142.99
198.84
257.05
35
37.48
88.92
142.51
198.37
256.59
3G
36.95
88.41
142.02
197.89
256.11
37
36.41
87.89
141.51
197.38
255.62
3S
35.84
87.34
140.98
196.87
255.12
39
35.24
86.77
140.43
196.35
254.60
40
34.63
86.19
139.88
195.81
254.09
41
33.98
85.58
139.32
195.26
253.55
42
33.31
84.97
138.73
194.71
252.99
43
32.61
84.32
138.13
1W.12
252.42
44
31.89
83.66
137.50
193.52
251.82
45
31.14
82.96
136.85
192.88
251.16
46
30.37
82.26
136.18
192.19
250.43
47
29.56
81.51
135.44
191.43
249.63
48
28.74
80.73
134.65
190.63
248.78
49
27.88
79.90
133.82
189.77
247.84
50
27.00
79.04
132.96
188.86
246.86
51
26.09
78.16
132.06
187.90
245.81
52
25.15
77.24
1.31.12
186.89
244.69
53
24.19
76.29
130.14
185.82
243.51
54
23.20
75.32
129.11
184.70
242.27
55
22.19
74.31
128.06
183.55
240.96
5fi
21.16
73.28
12G.97
182.35
239.59
57
20.11
72.24
125.87
181.11
238.15
58
19.04
71.17
124.72
179.82
236.65
59
17.95
70.07
123.54
178.49
235.09
CO
16.85
68.97
122.34
177.11
233.45
101
MODIFIED PRELIMINARY TEl^r.
Am. -
Ex. .
im
TERMINAL RESERVES.
1
ENDOWMENT IN 15 YEARS.
Age.
6tU Year.
7tU Year.
8«li Year.
Otli Year. 10th Year.
20
322.24
385.43
451.33
520.07
591.77
21
322.00
385.20
451.12
519.87
591.60
22
321.75
384.98
450.90
519.66
591.40
23
321.50
384.72
450.65
519.44
591.20
24
321.23
384.46
450.42
519.20
590.98
25
320.96
384.20
450.16
518.95
590.76
2G
320.65
383.90
449.88
518.68
590.51
27
320.36
383.61
449.59
518.43
590.27
28
320.02
383.28
449.28
518.14
590.00
29
319.69
382.96
448.96
517.83
589.70
30
319.34
382.62
448.63
517.51
589.40
31
318.96
382.26
448.27
517.17
589.07
32
318.58
381. 86
447.90
516.80
588.73
33
318.18
381.47
447.51
516.40
588.38
34
317.75
381.06
447.10
516.03
588.00
35
317.30
. 380.60
446.65
515.60
587.58
3G
316.82
380.13
446.19
515.14
587.15
37
316.34
379.66
445.73
514.70
586.72
38
315.84
379.17
445.25
514.19
586.23
39
315.34
378.67
444.73
513.69
585.73
40
314.83
378.15
444.21
513.16
585.19
41
314.28
377.60
443. (>4
512.57
584.58
42
313.72
377.02
443.04
511.92
583.91
43
313.13
376.41
442.37
511.23
583.18
44
312.50
375.71
441.63
510.44
582.36
45
311.79
374.95
440.80
509.56
581.45
4G
311.01
374.09
439.90
508.58
580.44
47
310.16
373.17
438.88
507.49
579.30
48
309.22
372.16
437.76
506.31
578.00
49
308.21
371.04
436.54
504.98
576.68
50
307.12
369.83
435.22
503.56
575.18
51
305.95
368.53
433.78
502.01
573.53
52
304.70
367.14
432.23
500.30
571.73
53
303.38
365.63
430.56
498.47
569.78
54
301.96
364.03
428.75
496.47
567.64
55
300.47
302.31
426.80
404.32
565.34
56
298.88
360.48
424.71
492.00
562.83
57
297.21
358.54
422.50
489.51
560.12
58
295.44
356.47
420.10
486.80
557.16
59
293.59
354.27
417.54
483.89
5.53.95
CO
291.62
351.92
414.77
480.70
550.43
102
All
Ex
■ii%
.MODIFIED PEELIMINAIIY TERM.
TERMINAL RESERVES.
ENDOWMENT IN 15 YEARS.
Aee.
lltU Year.
13th Tear.
13th Year.
14th Year.
ISth Y'ear.
20
666.61
744.66
820.15
911.21
1000.00
21
666.44
744.53
826.05
911.13
1000.00
22
666.26
744.40
825.95
911.09
1( KHJ . Ul )
23
666.07
744.24
825.83
911.03
1000.00
24
665.88
744.08
825.70
910.94
1000.00
25
665.69
743.92
825.58
910.90
1000.00
26
605.46
743.71
825.43
910.80
1000.00
27
665.25
743.54
825.30
910.72
1000.00
28
665.00
743.31
825.13
910.63
1000.00
29
664.74
743.10
824.96
910.51
1000.00
30
664.46
742.86
824.76
910.40
1000.00
31
664.15
742.60
824.58
910.29
1000.00
32
663.85
742.33
824.36
910.18
1000.00
33
663.52
742.05
824.15
910.06
1000.00
84
663.17
741.76
823.92
909.93
1000.00
35
062.79
741.42 •
823.64
909.75
1000.00
36
662.37
741.04
823.35
909.57
1000.00
37
661.96
740.67
823.06
909.40
1000.00
38
601.51
740.25
822.71
909.19
1000.00
39
661.02
739.79
822.33
908.95
1000.00
40
660.49
739.29
821.94
908.70
1000.00
41
659.87
738.75
821.47
908.41
1000.00
42
659.21
738.13
820.95
908.10
1000.00
43
658.49
737.46
820.38
907.76
1000.00
44
657.67
736.69
819.77
907.37
1000.00
45
656.77
735.83
819.06
906.93
1000.00
46
655.75
734.89
818.29
906.44
1000.00
47
654.60
733.81
817.31)
905.89
1000.00
48
653.36
732.66
816.43
905.30
1000.00
49
651.98
731.35
815.34
904.61
1000.00
50
650.46
729.93
814.14
903.87
1000.00
51
648.80
728.34
812.83
903.06
1000.00
52
646.98
726.63
811.38
902.13
1000.00
53
644.99
724.74
809.79
901.14
1000.00
54
642.82
722.06
808.03
900.03
1000.00
55
640.44
720.38
806.10
898.80
1000.00
5(J
637.85
717.89
803.95
897.44
1000. or
57
635.04
715.16
801.04
895.94
1000.00
58
631.95
712.15
799.04
894.29
1000.00
59
628.58
708.85
796.19
892.45
1000.00
60
624.85
705.19
793.04
890.42
1000.00
io;j
MODIFIED PKELIMTXARY TERM.
Am.
Ex.
32%
TERMINAL
RESERVES.
ENDOWMENT
IN 10 YEAES.
Aee.
1st Year.
2d Year.
3d Year
4th Year. 6th Year.
20
76.44
163.63
252.51
346.24
444.00
21
76.18
162.38
252.26
346.01
443.79
22
75.91
162.12
252.03
345.79
443 . .58
23
75.63
161.85
251.76
345.55
443.30
24
75.33
161.57
2.51.49
345.30
443.13
25
75.02
161.27
251.20
345.02
442.89
2G
74.69
100.95
250.91
344.74
442.02
27
74.35
160.62
250.59
344.44
442.36
2S
74.00
160.27
250.20
344.14
442.07
29
73.62
159.91
249.92
343.81
441.77
30
73.22
159.53
249.56
343.46
441.45
31
72.81
159.13
249.16
343.09
441.12
32
72.37
158.70
248.76
342.71
440.76
33
71.91
158.26
248.34
342.32
440.39
.•^l
71.43
157.79
247.89
341.89
439.99
35
70.92
157.30
247.41
341.42
439.56
3G
70.40
156.78
246.90
340.94
439.09
37
69.83
156.23
246.36
340.42
438.60
38
69.24
155.66
245.80
339.89
438.11
39
68.62
155.04
245.20
339.30
437.54
40
67.97
1.54.41
244.58
338.70
436.98
41
67.29
153.74
243.94
338.07
436.38
42
66.58
153.04
243.24
337.40
435.71
43
65.83
152.30
242.52
336.68
435.03
44
65.05
151.53
241.75
335.92
434.28
45
64.23
150.71
240.94
335.10
433.47
4G
63.38
149.87
240.08
334.22
432.58
47
62.49
148.96
239.14
333.25
431.59
48
61.56
148.00
238.12
332.20
430.51
49
60.00
146.98
237.04
331.06
429.33
50
59.59
145.90
235.88
329.83
428.00
51
58.55
144.76
234.64
328.51
426.68
52
57.45
143.56
233.34
327.09
425.19
53
56.31
142.28
231.92
325.54
423.56
54
55.13
140.95
230.41
323.89
421.81
55
53.89
139.52
228.81
322.12
419.90
56
52.61
138.03
227.10
320.21
417.86
57
51.27
1.36.46
225.29
318.16
415.62
58
49.88
134.79
223.34
315.96
413.21
59
48.44
133.04
221.27
313.59
410.61
«0
46.94
131.20
219.06
311.05
407.80
104
Am. •
Ex. :
J%
TERMINAL
RESERVES.
1
W L /^^
ENDOWMENT IN 10 YEAKS.
Arc.
etli Year.
rtU Year.
Sill Year.
9th Year. lOtli Year.
20
545.97
652.35
763.33
879.14
1000.00
21
545.78
652.18
7a3.22
879.08
1000.00
545.59
652.04
763.11
879.01
1000.00
23
545.40
651.88
762.98
878.90
1000.00
24
545.20
651.71
762.88
878.88
1000.00
25
544.99
651.54
762.73
878.81
1(X)0.00
26
544.75
651.34
762.60
878.70
1000.00
27
544.52
651.141
762.44
878.64
1000.00
28
544.26
650.93
762.28
878.55
1000.00
29
544.00
650.71
762.11
878.47
1000.00
30
543.72
650.47
761.93
878.36
1000.00
31
543.41
650.22
761.74
878.26
1000.00
32
543.10
649.94
761.55
878.13
1000.00
33
542.76
649.65
761.32
878.01
1000.00
34
542.40
649.35
761.09
877.88
1000.00-
35
542.02
649.02
760.83
877.73
1000.00
36
541.59
648.65
760.55
877.56
1000.00
37
541.15
048.27
760.26
877.40
1000.00
38
540.69
647.89
759.97
877.22
1000.00
39
540.17
647.43
759.60
876.99
1000.00
40
539.65
646.97
759.24
876.79
1000.00
41
539.09
646.49
758.86
876.57
1000.00
42
538.47
645.92
758.41
S76.28
1000.00
43
537.81
645.34
757.93
876.00
1000.00
44
537.10
644.67
757.39
875.67
1000.00
45
536.29
643.95
756.79
875.29
1000.00-
46
535.42
643.15
756.14
874.90
1000.00
47
534.47
642.25
755.41
874.44
1000.00
48
533.40
641.28
754.60
873.96
1000.00
49
532.24
640.20
753.72
873.41
1000.00
50
530.97
6:39.01
752.74
872.81
1000.00
51
529.58
637.72
751.66
872.15
1000.00
52
528.08
636.32
750.50
871.42
1000.00
53
526.44
634.75
749.20
870.61
1000.00
54
524.65
633.06
747.79
869.72
1000.00
55
522.72
631.21
746.21
868.74
1000.00
56
520.61
629.19
744.51
867.66
1000.00
57
518.30
626.98
742.63
866.45
1000.00
58
515.80
624.56
740.56
865.16
1000.00
59
513.08
621.93
738.31
863.71
1000.00
60
510.13
619.04
735.82
862.11
1000. oa
io.>
MODIFIED rRELIMINAIlY TFAIM
e7: 3?% MEAN KESERYES.
LIFE PAID-UP IN 20 YEARS
Ape.
1st Year.
2d Yenr.
Sd Year.
4th Yenr,
5tU Year.
20
11. ;«
25.50
40.. 30
55.75
71.75
21
11.41
25.95
41.08
56.80
73.15
22
11.47
20.35
41.82
57.90
74.62
23
11.54
20.70
42.57
59.02
76.12
24
11.01
27.17
43.35
60.18
77.67
25
11.07
27.01
44.16
61.38
79. 2S
2(i
11.7.3
28.04
44.99
62.61
• 80.93
27
11.80
28.40
45.85
63.88
82.03
28
11.80
28.90
40.73
65.20
84.4a
29
11.92
29.45
47.65
66.55
86.21
30
11.98
29.93
48.59
67.96
88.08
31
12.03
30.43
49.55
69.39
90.01
32
12.08
30.94
50.52
70.86
91.98
33
12.14
31.47
51.55
72.40
94.04
34
12.18
32.02
52.01
73.98
96.16
35
12.24
32.58
53.68
75.58
98.30
3G
12.27
33.14
54.78
77.24
100.52
37
12.30
33.72
55.93
78.94
102.81
38
12.35
34.32
57.10
80.70
105.17
39
12.38
34.93
58.30
82.51
107.59
40
12.41
35.57
59 ..55
84.38
110.10
41
12.44
36.21
60.85
86.30.
112.05
42
12.47
36.89
02.15
88.28
115.29
43
12.49
37.57
63.51
90.30
117.97
44
12.52
38.29
04.89
92.36
120.70
45
12.55
39.01
66.31
94.46
123.45
40
12.00
39.77
67.77
96.58
120.22
47
12.05
40.53
69.23
98.71
128.99
48
12.71
41.32
70.70
100.85
131.79
49
12.80
42.12
72.19
103.01
134.59
50
12.90
42.94
73.71
105.20
137.42
51
13.05
43.81
75.27
107.43
140.28
52
13.21
44.71
76.87
109.69
143.17
53
13.35
45.54
78.50
111.99
146.08
54
13.03
40.62
80.18
114.32
149.04
55
13.91
47.64
81.91
116.72
152.04
106
^"31%
AEODIFIED PRELIMINARY TERM.
MEAN RESERVES.
LIFE PAID-UP IN 20 YEARS.
Ako,
Otli Year.
7th Year.
8th Year.
9th Year.
tOth Year.
20
88.39
105.71
123.71
142.44
161.92
21
90.17
107.86
126.26
145.40
165.31
22
92.00
110.09
128.90
148.45
168.80
23
93.90
112.39
131.61
151.61
172.41
2-1
95.86
114,76
1.34.42
154.87
176.12
25
97.88
117.22
137.34
158.24
179.96
2G
99.96
119.75
140.32
161.70
183.93
27
102.12
122.37
143.41
185.28
188.02
28
104.34
125.06
146.59
168.97
192.23
29
106.63
127.84
149.88
172.77
196.56
30
108.99
130.71
153.26
176.69
201.03
31
111.42
133.65
156.74
180.72
205.61
32
113.91
136.67
160.30
184.84
210.31
33
116.50
139.80
163.99
189.10
215.16
34
119.15
143.01
167.78
193.48
220.14
35
121.87
146.31
171.67
197.98
225.26
36
124.67
149.70
175.66
202.58
230.49
37
127.55
1.53.19
179.77
207.32
233.86
38
130.52
156.79
183.99
212.16
241.33
39
133.57
160.47
188.30
217.11
246.92
40
136.71
164.24
192.72
222.16
252.59
41
139.91
168.09
197.20
227.27
258.31
42
143.19
172.01
201.76
232.44
264.08
43
146.52
175.98
206.35
237.63
269.87
44
149.90
179.98
210.95
242.84
275.67
45
153.29
183.99
215.57
248.04
281.45
46
156.70
188.01
220.19
253.25
287.22
47
160.10
192.02
224.78
258.41
292.93
48
163.51
196.03
229.38
263.57
298.59
49
166.94
200.05
233.96
268.68
304.27
m
170.37
204.07
238.52
273.77
309.85
51
173.83
208.09
243.08
278.83
315.38
52
177.30
212.12
247.63
283.86
320.85
53
180.81
216.16
252.17
288.85
326.25
54
184.33
220.20
256.68
293.78
331.56
55
1S7.88
224.25
261.18
298.67
336.81
Am.
Ex.
lo:
35%
MODIFIED PKELIMINAKY TEKM.
]MEAX KESEIJYES.
LIFE PAID-UP IN 20 YEAES.
Age,
lltli Year.
IStU Year.
latli Year.
14th Year.
20
182.19
203.28
225.22
248.05
21
186.02
207.56
229.90
253.27
22
189.96
211.97
234.86
258.67
23
194.03
216.52
239.91
264.24
24
198.23
221.21
245.12
209.98
25
202.55
226.07
250.50
275.90
2G
207.04
231.05
256.02
281.99
27
211.64
236.20
261.73
288.25
28
216.40
241.50
267.59
294.71
29
221.27
246.95
273.62
301.34
30
226.30
252.55
279.82
308.16
31
231.45
258.30
286.19
315.15
32
236.75
264.20
292.71
322.31
33
242.21
270.28
299.42
329.66
31
247.81
276.52
306.29
337.18
35
253.55
282.89
313.30
344.89
36
259.41
2S9.38
320.44
352.62
37
265.40
296.02
327.72
360.53
38
271.53
302.77
335.08
368.51
39
277.74
309.59
342.52
376.57
40
283.03
316.49
350.01
384.70
41
290.37
323.42
357.57
392.84
42
296.71
330.38
365.12
401.00
43
303.10
337.35
372.67
409.13
44
309.47
344.30
380.20
417.23
45
315.83
351.21
387.67
425.27
46
322.15
358.08
395.08
433.22
•47
328.39
364.85
402.37
441.05
48
334.61
371.. 58
409.51
448. 78
49
340.75
378.20
416.67
456.. 33
50
346.81
384.70
423.64
463.75
51
352.78
391.10
430.46
470.99
52
358.66
397.38.
437.12
478.02
53
364.44
403.52
443.60
484.82
54
370.11
409.50
449.85
491.30
55
375.65
415.29
455.89
497.62
15th Year.
271.79
277.53
283.44
289.54
295.83
302.31
308.97
315.83
322.89
330.14
337.60
345.23
353.04
361.05
369.22
377.53
385.95
394.49
403.13
411.80
420.55
429.31
438.08
446.81
455.49
464.10
472.61
480.98
489.22
497.35
505.17
512.84
520.26
527.42
534. 2(;
540.77
108
is3l9&
MODIFIED rRELIMIXAKY TERM.
MEAN RESERVES.
LIFE PAID-UP IN 20 YEARS.
Asre.
16tt Year.
ITtli Year.
ISth Year.
loth Year.
20tlt Year.
20
296.50
322.21
348.98
376.84
405.83
21
302.76
329.02
356.34
384.77
414.37
22
309.21
336.02
363.92
392.95
423.16
23
315.86
343.24
371.72
401.30
432.22
2-i
322.71
3.50.68
379.77
410.04
441.55
0-,
329.77
358.33
388.05
418.97
451.14
20
337.03
366.21
396.57
428.14
461.00
344.50
374.33
405.33
437.58
471.14
28
352.19
382.65
414.31
447.25
481.52
20
360.08
391.20
423.55
4.57.18
492.16
30
368.18
399.97
433.00
407.33
.503.02
31
376.46
408.92
442.65
477.68
514.09
32
384.93
418.06
452.48
488.22
525.35
33
393. G2
427.42
462.50
498.94
536.81
34
402.45
436.92
472.09
509.84
548.44
3")
411.40
446«54
483.01
520.87
560.24
3G
420.49
456.30
493.45
.5.32.02
572.15
37
429.68
466.15
503.99
543.29
584.17
38
438.96
476.09
514.02
5.54.65
596.31
39
448.28
486.08
525.30'
566.06
608.50
40
4.->7.G6
496.12
530.04
577.54
■ 620.78
41
407.06
506.17
540.78
589.02
633.08
42
470.44
516.20
5.5?. 51
600.51
645.40
43
485.79
526.22
.508.21
611.96
657.69
44
495.09
536.16
578.85-
623.36
669.96
45
504.30
546.00
589.38
634.67
682.16
4(5
513.38
555.71
.599.78
045.86
694.27
47
522.32
565.25
010.00
0.50.87
706.22
48
531.14
574.68
020.10
007.80
718.12
49
539.83
583:86
62t).98
078.47
729.80
no
.^48.10
592.80
0:39.60
088.91
741.29
ni
5.16.24
601.48
648.93
099.07
752.55
52
564.11
609.87
657.97
708.97
763.59
53
571.66
617.91
600.05
718.52
774.39
54
578.85
025.56
674.94
727.74
784.95
55
585.67
032.82
682.86
730.05
795.33
1(1!
i^":-32%
MODIFIED riiEJ.LMlNAia TKILM
:\[EAX KESEUYES.
LIFE FAID T'P IN 15 YEAKS.
Age.
1st Year,
2«l Vear.
:id Year.
4tU Year.
6tli Year.
20
15.96
35.00
54.83
75.47
96.9.3
21
16.10
35.54
55.77
76.83
98.75
22
16.24
36.09
56.75
78.25
1Q0.63
23
16.39
36.66
57.75
79.70
102.54
24
16.53
37.24
58.78
81.20
104.54
. 16.68
37.84
59.85
82.75
106.50
20
16.82
38.45
60.95
84.35
108.70
16.98
39.08
62.07
86.00
110.90
28
17.13
39.73
63.24
87.70
113.15
2i)
17.28
40.40
64.45
89.40
115.48
30
17.43
41 . 09
65.69
91.27
117.87
31
17.58
41.79
66.95
93.12
120.34
32
17.73
42.50
68.25
95.03
122.87
33
17.89
43.24
69.60
97.00
125.49
34
18.04
44.00
70.98
99.02
128.18
35
18.19
44.76
72.38
101.08
130.92
36
18.34
45.55
73.83
103.21
133.73
37
18.48
46.36
75.31
105.38
136.62
38
18.63
47.18
76.82
107.01
139.59
39
18.77
48.01
78.37
109.89
142.63
40
18.92
48.87
79.97
112.23
145.75
41
19.05
49.74
81.59
114.64
148.92
42
19.19
50.64
83.26
117.09
1.52.18
43
19.31
51.54
84.95
119.58
155.47
44
19.45
52.47
86.68
122.11
158.81
45
19.59
53.41
88.43
124.67
162.17
46
. 19.72
54.36
90.19
127.22
165.51
47
19.87
55.32
91.95
129.77
168.84
48
20.01
56.28
93.70
132.32
172.17
49
20.19
57.25
95.46
134.85
175.47
50
20.36
58.22
97.21
1.37.37
178.75
51
20.55
59.19
98.96
139.88
182.00
52
20.75
60.18
100.71
142.38
185.22
53
20.97
61.18
102.46
144.85
188.40
34
21.21
62.18
104.19
147.29
191.53
55
21.47
63.20
105.93
149.71
194.62
56
21.77
64.23
107.66
152.12
197.67
57
22.10
65.29
109.40
154.48
200.61
58
22.46
66.37
111.15
156.86
203.55
59
23.88
67.47
112.88
159.17
206.41
60
23.35
68.61
114.63
161.45
209.17
no
\m O I ^t^>l>Il^'n]I) 1»1IELIMIXAHY TERM.
k" 2% MEAN RESEE YES.
LIFE 1» AID-UP IN 15 YEARS.
Ase.
etb Year.
Ttk Year.
8tk Year.
9tli Year.
lOth Year.
20
119.31
142.54
166.77
192.05
192.05
'21
121.57
145.32
170.05
195.79
222.60
2-2
123.91
148.16
173.40
199.67
227.03
2;;
12G.32
151.08
176.84
203.66
231.59
24
128. 82
1.-4.09
180.41
207.80
236.31
2."
131.40
157.38
184.06
212.07
241.18
2(J
134 . 05
160.43
187.89
216.46
246.19
27
136.81
163 . 76
191.81
221.01
251.41
28
139.64
167.18
195.85
225.69
256.75
29
142.55
170.72
200.03
230.52
262.26
30
145.56
174.36
204.31
235.48
267.92
.-Jl
148.65
178.10
208.73
240.60
273.75
o2
151.83
181.95
213.27
245.85
279.74
33
155.11
185.91
217.94
251.25
285.91
34
158.47
189.98
222.74
256.81
292.24
35
161.93
194.15
227.65
262.49
298.67
3G
165.45
108.43
232.70
268.32
305.36
37
169.09
202.82
237.87
274.31
312.18
3S
172.81
207.32
243.17
280.41
319.10
30
176.62
211.92
248.58
286.64
326.17
40
180.52
216.62
254.09
292.98
333.35
41
184.50
221.41
259.70
299.41
340.62
42
188.. 55
226.26
265.37
305.91
347.95
43
192.65
231.18
271.09
312.45
355.33
44
196.79
236.11
276.83
319.00
362.73
45
200.96
241.08
282.60
325.59
370.15
4U
205.08
245.98
288.30
332.11
377.49
47
209.20
250.90
294.01
338.61
384.82
48
213.29
2.55.77
299.66
345.06
392.09
49
217.36
260.60
305.60
3.51.45
399.29
50
221.40
265.39
310.80
357.76
406.39
51
225.38
270.10
316.25
363.95
413.36
52
220.31
274.74
321.61
370.03
420.19
53
2.33.19
279.30
326.85
375.98
426.86
54
236.99
283.76
331.96
381.74
433.32
55
240.72
288.11
336.92
387.34
439.59
5G
244.39
292.33
341.70
392.76
445.62
57
247.88
296.40
346.37
397.93
451.33
58
251.35
3tK).38
350.82
402.86
456.81
50
254.69
304.15
355.03
407.49
461.91
lid
257.88
307.74
358.96
411.81
466.65
il 1
.MODIFIED PKELIMIXAKV TIOKM.
Am. '
Ex. ,
j;%
:meak kesek\ j:s.
J.IEE V
AiD-ur
IN 15 YEAKS.
Afire.
nth Year.
12th Year.
13th Year.
14th Year.
IBth Year.
20
245.69
274.18
303.86
3.34.77
366.97
21
250.51
279.. 58
309.86
341.39
374.25
22
255.52
285.18
316.08
348.26
381.78
2o
200.07
290.95
322.49
355.34
389.55
2-1
205.99
296.01
329.10
302.63
397.56
25
271.50
303.07
335.95
370.18
405.84
2(i
277.15
309.41
342.98
377.95
414.30
27
283.04
315.08
350.27
385.98
423.17
2S
289.02
322.70
357.74
394.22
432.22
20
295.29
329.67
365.46
402.73
441.55
30
301. G7
3.S6.81
373.38
411.46
451.14
31
308.24
344.16
381.54
420.46
461.00
32
315.01
351.72
389.92
429.70
471.13
33
321. 9G
359.48
398.53
439.18
481.. 51
34
329.10
367.45
407.36
448.90
492.15
35
336.35
375.60
416.38
4.58.82
503.01
30
343.87
383.93
425.60
468.95
514.08
37
351.53
392.43
434.99
479.28
525.36
3S
359.32
401.11
444.65
489.75
536.81
39
367.24
409.90
454.25
500.39
548.45
40
375.27
418.80
464.05
511.14
560.21
41
383.30
427.82
473.90
522.05
572.14
42
391.57
4.36.88
483.90
533.04
584.18
43
399.82
446.02
404.06
544.10
596.31
44
408.15
455.25
504.17
555.21
608.51
45
416.35
464.36
514.34
566.42
620.82
46
424.56
473.47
524.39
577.50
633.08
47
432.75
482.57
534.46
588.64
645.40
48
440.89
491.01
544.48
599.74
657.70
49
448.93
500.55
554.39
610.74
660.95
50
456.86
509.39
564.21
621.66
682.16
51
464.65
518.05
573.86
632.45
694.27
p:i>
472. 2S
526.. 57
583.37
643.09
706.26
53
479.73
534.88
592.67
6.53.55
718.12
54
486.96
542.95
601.71
663.77
729.80
55
493.94
550.76
610.49
673.75
741.29
56
500.63
5-58.24
618.98
683.45
752.54
57
507.05
565.41
627.04
692.77
763.63
58
513.13
572.27
634.84
701.84
774.41
59
518.83
578.70
642.21
710.50
784.96
60
523.99
584.49
G49.04
718.81
795. 3i
11:
Am.
Ex.
3
MODIFIED PEELIMINxVEY TEKM.
MEAN EESEin ES.
LIFE PAID-UI* IX 10 YEAKS.
Asre.
1st Year.
2d Year.
3a Year.
4tli Year.
Sth. Year.
20
25.44
54.38
84.52
115.92
148.63
21
25.73
55.22
85.93
117.92
151.26
22
2(5.03
56.10
87.40
120.02
153.99
23
20.33
56.98
88.90
122.16
156.80
24
20.65
57.92
90.48
124.38
159.72
25
26.97
58.86
92.08
126.68
162.72
26
27.29
59.84
93.74
129.05
165.83
27
27.63
60.85
95.45
131.48
169.03
28
27.98
61.89
97.21
134.01
172.34
29
28.32
62.97
99.05
136.63
175.77
;5()
28.68
64.07
100.93
139.31
179.28
31
29.04
65.20
102.86
142. OS
182.93
:?2
29.41
66.37
104.85
144.93
186.67
33
29.80
67.57
106.91
147.87
190.53
34
30.18
68.80
109.02
150.90
194.51
3r>
30.57
70.07
111.19
154.00
198.58
3G
30. '.)G
71.35
113.40
157.18
202.77
37
31.35
72.67
115.68
160.44
207.05
38
31.76
74.03
118.01
163.80
211.48
39
32.17
75.40
120.39
167.23
215.99
40
32.58
76.82
122.85
170.76
220.63
41
32.99
78.25
125.34
174.35
225.36
42
33.40
•79.72
127.91
178.04
. 230.20
43
33.82
81.21
130.50
181.77
235.11
44
34.24
82.73
133.15
185.57
240.11
4."
34.66
84.26
135.82
189.42
245.14
4(1
•35.09
85.83
138.54
193.29
250.21
47
35.53
87.40
141.25
197.18
255.29
48
35.97
88.97
143.97
201.06
260.37
49
36.4.1
90.55
146.68
204.94
265.46
no
36.90
92.10
149.40
208.82
270.53
r.i
37.37
93.76
1.52.09
212.66
275.57
52
37.85
95.27
154.77
216.48
280.56
53
38.33
96.83
157.42
220.25
285.49
54
38.82
98.38
160.03
223.97
290.36
55
39.32
99.90
162.59
227.58
295.08
5(5
39.83
101.40
165.10
231.13
299.73
57
40.35
102.88
167.57
234.59
304.23
58
40.88
104.34
169.96
2.37.95
308.58
59
41.44
105.77
172.26
241.15
312.77
(50
42.01
107.17
174.47
244.22
316.75
ii;5
MODIFIED PRELIMINAIIY TEIOI.
Am. ■
Ex. ,
m
MEAN EESERVE?;.
^
W L / ^-^
LIFE V
AID-UP
IN 10 YEARS.
Agre.
6tb Year.
7th Year.
8th Year.
;mii Year.
10th Year.
20
182.72
218.23
255.09
293.81
334.00
21
185.99
222.17
259.88
299.18
340.15
22
189.39
226.28
264.72
304.77
346.53
23
192.89
230.50
269.69
310.52
353.10
24
196.52
234.87
274.8.^.
316.51
359.93
25
200.28
2.39.41
280.18
322.68
366.98
26
204.15
. 244.07
285.68
329.05
374.25
27
208.15
248.90
291.37
335.64
381.78
28
212.28
2.53.88
297.24
342.44
389.55
29
216.55
2.59.03
303.31
349.46
397.56
30
220.94
264.34
300.. 56
356.69
405.82
31
225.48
269.82
316.02
364.17
414.37
32
230.16
275.46
322.67
371.87
423.16
33
234.97
281.27
329.. 50
379.78
432.21
34
239.93
287.25
3.86.. 57
387.96
441.55
35
245.02
293.39
343.80
396.35
451.14
3(i
250.24
299.70
351.24
404.97
461.00
37
255.60
306.18
358.89
413.8;^
471.13
38
. 261.13
312.86
366.76
422.93
481.52
39
266.77 .
319.67
374.78
432.23
492.14
40
272.56
326.65
383.01
441.75
503.01
41
278.46
333.77
391.. S9
451.44
514.08
42
284.49
341.03
399.93
461., 32
525.36
43
290.62
348.41
408.60
471.34
536.81
44
296.84
355.88
417.38
481.51
548.45
45
303.09
363.41
426.24
491.77
560.22
46
309.40
371.00
4.35.18
502.15
572.14
47
315.73
378.63
444.19
512.62
584.18
48
322.05
386.25
4,53.19
523.11
596.29
49
328.39
393.91
462.35
533.68
608.51
50
334.71
401.. 56
471.31
544.27
620.78
51
340.99
409.16
480.33
554.85
633.09
52
347.22
416.71
489.32
565.40
645.40
53
353.37
424.17
498.21
.575.89
657.70
54
359.43
431.54
507.01
586.. 30
669.95
55
365.37
4.SS.77
515.67
596.59
682.16
56
371.17
445.83
.524.17
606.74
694.25
57
376.81
452.73
.532.. 50
616.75
706.26
58
382.26
459.41
540.60
626.54
718.13
59
387.50
465.86
548.45
636.10
729.81
60
392.49
472.00
555.99
645.37
741.29
114
■x%
MODIFIED PEELIMINARY TERM.
:MEAN liESERYES.
ENDOWMENT IN 20 YEARS.
Ase.
Ist Year.
2d Year.
3d Year.
4th Year.
Otli Year.
20
29.90
03.50
98.51
134.99
173.00
21
29.68
63.25
98.29
134.77
172.79
22
29.44
63.06
98.08
134.56
172.58
23
29.19
62.81
97.84
134.34
172.36
24
28.92
62.58
97.59
134.10
172.14
25
28.65
62.29
97.34
133.86
171.90
26
28.37
62.03
97.09
133.62
171.67
27
28.07
61.74
96.82
133.35
171.42
28
27.76
61.44
96.53
1.33.08
171.16
29
27.43
61.15
96.26
132.83
170.92
30
27.10
60.84
95.97
132.56
170.65
31
26.75
60.52
95.67
1.32.28
170.40
32
26.39
60.18
95.36
132.00
170.14
33
26.02
59.84
95.06
1.31.73
169.89
34
25.63
59.51
94.77
131.46
169.65
35
25.23
.59.16
94.45
131.18
169.42
3t>
24.82
58.80
94.14
130.92
169.20
37
24.40
58.45
93.84
130.66
168.99
38
23.96
58.08
93.54
130.43
168.79
39
23.52
57.72
93.28
130.22
168.64
40
23.08
57.36
93.02
130.06
168.50
41
22.61.
57.04
92.78
129.90
168.46
42
22.15
156.71
92.57
129.80
168.45
43
21. 6S
56.39
92.39
129.73
168.47
44
21.22
56.09
92.23
129.69
168.52
45
20.75
55.80
92.10
129.69
168.60
46
20.. 31
55.55
91.99
129.73
168.71
47
19.87
55.32
91.95
129.77
168.84
48
19.44
55.11
91.90
129.85
169.00
49
19.06
54.94
91.90
129.98
169.22
50
18.69
54.80
91.95
130.17
169.50
51
18.37
54.72
92.06
130.42
169.86
52
18.08
54.69
92.25
130.78
170.30
53
17.83
54.74
92.53
131.22
170.85
54
17.64
54.86
92.89
131.76
171.52
55
17.51
55.04
93.34
132.43
172.31
Am.
Ex.
3
115
, ^MODIFIED rEELIMINARY TEK.Ar.
^ MEAN KESEKYES.
EX])()Wi\rEXT IX 20 vi:ai{s.
Arc.
Gth Year.
7tU Year.
StU Year.
Otli Year.
lOtU Year.
20
212.01
253.90
296.92
341.77
388.53
21
212.41
253.69
296.73
341.59
388.36
22
212.20
253.49
296.. 53
341.39
388.16
23
211.99
253.28
296.32
341.18
387.96
24
211.76
253.06
296.11
340.98
387.76
2."
211.54
252.85
295.90
340.77
387.55
2(!
211.31
252.62
295.67
340.56
387.34
27
211.08
252.39
295.45
340.34
387.12
2S
210. S3
252.15
295.21
340.10
386.89
29
210.59
251.93
294.99
339.89
386.67
30
210.34
251.69
294.77
339.67
386.43
31
210.10
251.46
294.55
339.44
386.22
32
209.86
251.22
294.33
339.21
385.99
33
209.63
251.00
294.12
339.00
385.79
3i
209.40
250.80
293.91
338.81
385.60
35
209.18
250.60
293.72
338.64
385.43
36
208.99
250.42
293.50
338.49
385.27
37
208.82
250.29
293.44
338.38
385.17
38
208.69
250.19
293.37
338.30
385.08
39
208.59
250.12
293.32
338.26
385.02
40
208.55
2.50.12
293.33
338.27
385.00
41
208.52
250.14
293.37
338.28
384.97
42
208.55
250.21
293.44
338.33
384.96
43
208.64
250.31
293.53
338.37
384.94
44
208.75
250.43
293.63
338.43
384.92
45
208.87
250.55
293.73
338.47
384.88
46
209.02
250.71
293.85
338.53
384.82
47
209.19
250.89
294.00
338.60
384.81
48
209.39
251.10
294.15
338.68
384.78
49
209.65
251.34
294.36
338.79
384. 7G
50
209.98
251.66
294.62
338.95
384.78
51
210.37
252.04
294.95
339.18
384.84
52
210.86
252.52
295.36
339.46
384.95
53
211.47
2.53.12
295.88
339.85
385.10
54
212.19
253.82
296.50
310.31
385.29^
55
213.04
254.66
297.24
310.89
385.49^
IK)
]iIODlFIED PKELIMIXAEY TEEM.
Am. '
Ex. ,
im
MEAX KESERVES.
^
ENDOWMEXT IN
20 YEAES.
Age.
nth Year.
12tU Yea-r.
ISth Year.
14tfc Year.
15tli Year.
2C.
437.30
488.15
541.18
596.51
654.22
21
437.13
487.98
541.02
596.34
654.67
22
436.93
487.79
540.83
596.17
653.90
2:?
43(5.74
487.60
540.65
596.00
653.75
24
436.53
487.39
540.45
595.80
653.56
25
436.32
487,19
540.25
595.61
653.37
20
436.12
486.99
540.05
595.42
653.20
27
435.90
486.77
539.83
595.19
652.97
28
435.68
486.5-4
539.60
594.97
652.75
29
435.45
486.32
539.38
594.74
652.53
?.o
435.21
486.08
539.13
594.49
652.30
31
434.99
485.85
538.91
594.27
652.07
32
434.76
485.61
538.66
594.02
651.82
33
434.55
485.40
538.44
593.79
651.58
34
434.36
485.19
538.23
593.57
651.34
35
434.18
485.01
538.02
593.34
651.10
36
434.02
484.81
537.80
593.09
650.82
37
433.89
484.67
537.62
592.86
650.53
38
433.79
484.53
537.42
592.60
650.22
39
433 . 7U
484.38
537.20
592.31
649.88
40
433.62
484.23
536.98
592.01
649.51
41
433.52
484.06
536.72
591.67
649.09
42
433.43
483.88
536.45
591.29
648.63
43
433.33
483.68
536.16
590.87
648.11
44
433.21
483.45
535.78
590.40
647.53
45
433.06
483.18
535.37
589.86
646.88
46
432.89
482.89
534.94
589.27
646.16
47
432.74
482.56
534.45
588.63
645.38
48
432.56
482.20
533.91
587.91
644.50
49
432.39
481.85
533.34
587.14
643.56
50
432.22
481.47
532.74
586.31
642.54
51
432.08
481.09
532.12
585.45
641.45
52
431.97
480.74
531.49
584.53
640.28
53
431.92
480.41
530.85
583.58
639.04
54
431.92
480.09
530.18
582.56
637.70
-55
431.97
479.79
529.50
581.48
636.24
ir
.MODIFIED rUELLMIXAKV TEKM.
Am. ■
Ex. -
Ji%
^lE
AX in:sr:
in'ES.
^
ENDOWMENT IX
1>() VE
AKS.
Ase.
16tU Year.
17th \*nr.
ISdl V.1I1-.
tOtU Year.
20t1i Yeor.
20
714.44
777.30
842. 1>4
911.48
983.10
L'l
714.32
777.21
842.86
911.44
983.10
O'l
714.1(5
777.07
842. 7S
911.38
983.10
2.".
714.03
770.90
842.00
911.30
983.10
21
713.84
776.79
842.55
911.26
983.10
2ri
713.07
776.04
842.43
911.18
983.10
2('.
713.50
770.49
842.32
911.13
983.10
27
713.30
770.33
842.19
911.05
983.10
2S
713.09
770.15
842.03
910.95
983.10
2!l
712.81)
775.97
841.89
910.87
983.10
.".(1
7 12.. 58
775 . 70
841.73
910.77
983.10
:n
712.45
775.5(1
841.57
910.67
983.10
;;2
712.20
775.33
841.37
910.54
983.10
711.90
775 . 10
841.18
910.42
983.10
VA
711.71
774.85
840.97
910.29
983.10
af)
711 . 4.")
774.59
840.74
910.14
983.10
:m\
711.1.5
774.29
840.47
909.96
983.10
;>7
710.83
773.98
840.20
909.79
983.10
as
710.49
773.62
839.89
909.59
983.10
ay
710.11
773.25
839.54
909.36
983.10
40
709.69
772.80
839.10
909.11
983.10
41
709.22
772.32
838.73
908.83
983.10
42
708.70
771.79
838.20
908.53
983.10
4.a
708.12
771.20
837.74
908.19
983.10
44
707.47
770.54
837.10
907.80
983.10
4;-)
706.74
709.80
836.49
907.38
983.10
40
705.93
768.97
835.76
906.89
983.10
47
705.05
708.06
834.95
906.36
983.10
4S
704.07
767.06
834.06
905.77
983.10
40
703.01
765.07
833.08
905.72
983.10
no
701.84
764.76
832.00
904.41
983.10
HI
700.. 59
763.46
830.81
903.61
983.10
099.23
762.03
829.51
902.74
983.10
53
697.77
700.48
828.09
901.78
983.10
r.4
690.18
7.58.78
826.53
900.72
983.10
r.5
694.42
756.90
824.78
899.55
983.10
118
MODIFIED PRELIMINARY TERM.
Am. ■
Ex. -
ii%
MEAN RESERVES.
1
ENDOWMENT IN 15 YEARS.
Age.
1st Year.
2d Year.
3d Year.
4tli Year.
Bth Year.
20
45. 8S
96.14
148.53
203.14
260.07
21
45.64
95.91
148.30
202.91
259.85
22
4.->.40
95.67
148.07
202.70
259.64
23
45.14
95.42
147.82
202.45
259.39
24
44.87
95.15
147.56
202.19
259.15
2r,
44.59
94.88
147.30
201.94
2.58.90
2G
4'i.30
94.59
147.01
201.66
258.62
27
44.00
94.30
146.72
201.37
258.36
28
43.68
93.98
146.41
201.08
258.07
29
43.34
93.66
146.11
200.77
257.77
SO
43.00
93.33
145.79
200.46
257.45
ni
42.63
92.97
145.44
200.12
257.13
32
42.24
92.60
145.07
199.77
2.56.79
33
41.86
92.22
144.71
199.42
2.56.44
34
41.44
91.83
144.34
199.06
256.09
35
41.01
91.42
143.94
198.66
255.70
30
40.r.(;
90.98
143.52
198.26
2.55.30
37
40.09
90.55
143.10
197.84
2.54.90
38
39.62
90.09
142.66
197.43
254.50
39
39.12
89.62
142.22
197.01
254.09
40
38.61
89.16
141.76
196.59
253.70
41
38.08
88.66
141.33
196.17
253.29
42
37.54
88.18
140.89
195.76
252.89
43
36.98
87.69
140.43
195.35
252.49
44
36.42
87.19
140.00
194.93
252.09
45
35.84
86.68
139.54
194.50
251.65
46
35.27
86.18
139.01
194.04
251.19
47
34.69
85.68
138.51
193.58
250.68
48
34.12
85.19
138.14
193.09
250.16
49
33.57
84.68
137.65
192.58
249.59
50
33.02
84.18
137.16
192.07
249.02
51
32.49
83.69
136.68
191.55
248.42
52
31.98
83.22
136.20
191.03
247.81
53
31.48
82.77
135.74
190.51
247.19
54
31.02
82.34
135.30
190.00
246.58
55
30.59
81.95
134.88
189.50
245.95
56
30.21
81.57
134.50
189.04
245.35
57
29.87
81.28
134.16
188.61
244.75
58
29.59
81.06
133.90
188.23
244.19
59
29.38
80.88
133.68
187.89
243.67
60
29.25
80.80
133.54
187.61
243.17
Ill)
MODIFIED PRELIMINARY TER:\r.
Am. ■
Ex. -
m
MEAN RESERVES.
^
ENDOW^IENT IN 15 YEARS.
Afire.
Cth Year.
7tfc Year.
Sth Year.
9th Year.
10th Year.
2(1
319.44
381.33
445.88
513.20
583.42
21
319.22
381.12
445.68
513.02
583.26
22
319.00
380.92
445.50
512.84
58;?. 09
23
318.77
380.70
445.27
512.62
582.90
24
318.55
380.46
445.06
512.42
582.71
25
318.30
380.24
444.84
512.21
582.51
26
318.02
380.00
444.59
511.97
582.29
27
317.77
379.72
444.34
511.75
582.09
28
317.48
379.43
444.06
511.49
581.85
29
317.19
379.15
443.79
511.22
581.59
:m
316.89
378.87
443.51
510.96
581.34
31
316.. 57
378.55
443.21
510.66
581.0(5
32
316.23
378.22
442.88
510.35
580.77
33
315.90
377.89
442.56
510.02
580.46
34
315.54
377.55
442.22
509.71
580.16
35
315.17
377.17
441.85
509.35
579.81
36
314.77
376.78
441.46
508.97
579.45
37
314.38
376.40
441.09
508.61
579.11
38
313.98
376.01
440.71
508.22
578.71
39
313.59
375.62
440.32
507.83
578.33
40
313.23
375.22
4.39.91
507.42
577.92
41
312.80
374.82
439.50
506.99
577.46
42
312.40
374.41
439.07
506.52
576.96
43
312.00
373.99
438.61
506.02
576.43
44
311.58
373.52
438.09
505.45
575.82
45
311.11
373.00
437.51
504.81
575.14
46
310.02
372.43
436.83
504.10
574.36
47
310.04
371.81
436.17
503.33
573.52
48
309.45
371.14
435.41
502.49
572.64
49
308.83
370.43
434.58
501.. 55
571.62
50
308.15
369.64
4.33.69
500.55
570.. "3
51
307.45
368.81
432.72
499.46
569.34
52
306.72
367.94
431 . 71
498.29
568.04
53
305.97
367.03
430.62
497.04
566.65
54
305.20
366.08
429.47
495.69
565.14
55
304.41
365.09
428.25
494.26
56;?.. 53
56
303.61
364.06
426.97
492.73
561.79
57
302.80
363.00
425.64
491.13
559.94
58
302.00
361.91
424.24
489.41
557.94
59
301.22
360.81
422.78
487.59
555.80
m
300.42
3.59.66
421.23
485.62
553.45
120
Am.
Ex.
31%
:\IODIFIED PRELIMINAIIY TEEM.
MEAX IIESEKYES.
ENDOWMEXT IX 15 YEARS.
Agre.
Htli Year.
lllih Vcnr.
13tl» Year.
l^tb Year.
IStli Year.
20
056. GO
733.13
812.90
896.18
983.10
21
G.jO.54
733.01
812.81
896.12
983.10
22
6.10.30
732.89
812.73
896.08
983.10
2u
6.')6 . 22
732.74
812.62
896.02
983.10
24
Gr.(;.o5
732.60
812.51
895.94
983.10
25
655.88
732.46
812.41
895.90
983.10
2G
655.68
732.28
812.27
895.81
983.10
27
655.50
732.13
812.16
895.75
983.10
2S
6.")5.28
731.94
812.00
895.66
983.10
20
655.05
731 . 75
811.86
895.56
983.10
30
654 . 82
731.55
811.70
895 . 47
983.10
31
6.54.55
731.32
811.53
805.38
983.10
32
654.29
731.09
811.35
895.27
983.10
33
654.02
730.85
811.17
895.16
983.10
34
6.53.73
730.61
810.98
895.07.
983.10
3o
653.41
730.33
810.75
804.92
983.10
30
653.06
.730 . 01
810.50
SJJ4.76
983.10
37
652.74
729.71
810.26
804.63
983.10
38
652.37
729.38
809.98
804.45
983.10
39
651.90
729.02
809.68
804 . 26
983.10
40
651.50
728.64
809.36
894.07
983.10
41
651.11
728.19
808.99
803.82
983.10
42
650.60
727.71
808.58
893.54
983.10
43
650.06.
727.20
808.14
893.29
983.10
44
649.43
726.60
807.65
802.99
983.10
4.")
648.74
725.93
807.08
802.63
983.10
40
647.97
725.17
806.44
802.21
983.10
47
647.10
724.35
805.75
801.79
983.10
48
646 . 10
723.46
805.00
891.32
983.10
40
645.12
722.45
804.13
890.76
983.10
50
643.98
721.36
803.20
890.17
083.10
51
642.73
720.14
802.16
889.51
983.10
52
641.38
718.83
801.03
888.78
983.10
53
639.91
717. 3f)
799.79
887.99
983.10
54
638.31
715.82
798.43
887.11
983.10
55
636.59
714.10
796.94
886.15
983.10
56
634.72
712.25
795.30
885.08
983.10
57
632.70
710.22
793.52
883.91
983.10
58
630.51
708.01
701.55
882.62
983.10
59
628.14
705.59
789.40
881.20
983.10
GO
625.53
702.91
787.00
879.62
983.10
I'Jl
^'i'm
:\r()l)TFlEl) rRELBlIXAliV TVAtM.
MEAX IlESEin ES.
ENDOWMENT IN 10 YEAK^.
Asre.
1st Year.
2d Yon.
20
78.63
163.05
21
78.40
162.84
22
78.10
162.60
2:3
77.01
162.36
24
77.04
162.10
2"-
77.36
161.84
20
77.00
161.55
27
76 . 76
161.26
28
76 . 45
160.05
29
76.11
160.63
30
75.76
160.29
31
75.39
159.94
32
75.00
159.56
33
74.61
1.59.17
34
74.18
158.77
35
73.74
158.34
30
73.29
157.90
37
72.80
157.43
3S
72.30
156.94
30
71.78
156.42
40
71.23
155.89
41
70.67
155.33
42
70.08
154.76
43
69.46
154.16
44
68.84
153.55
45
68.19
152.90
4(;
67.fT4
152.27
47
66.87
151.59
48
66.19
150.89
49
65.53
150.18
50
64.84
149.43
51
64.17
148.67
52
63.49
147.90
53
62.81
147.09
54
62.14
146.28
55
61.47
145.43
56
60.82
144.59
57
60.18
143.72
58
59.57
142.85
59
58.99
141.98
GO
58.42
141.11
b'
;;<1 Vt-air.
4(li V<ar.
Ctb Year.
251.10
342.90
438.65
250.88
342.69
438.16
250.06
342., 50
438.27
250.43
342.28
438.08
250.18
342.05
437.87
249.93
341.80
437.65
249.66
341 . 56
437.42
249.38
341.29
437.17
249.08
341.02
436.92
248.78
340.73
436.65
248.46
340.43
436.37
248.12
340.10
436.08
247.76
339.76
435.76
247.39
339.42
435.44
247.00
339.05
435.10
246.59
338.65
434.72
246.15
338.23
434.32
245.69
337.79
433.91
245.22
337.33
433.49
244.71
336.84
433.01
244.19
336.34
432.54
243.66
335.82
432.04
243.09
335.27
431.51
242.51
334.70
430.95
241.90
334.10
430.36
241.26
333.46
429.72
240.62
332.79
429.04
239.91
332.06
428.28
239.17
331.27
427.47
238.40
330.44
426.58
237.58
329.54
425.63
236.72
328.59
424.61
235.84
327.60
423.53
234.89
326.52
422.34
233.92
325.39
421.09
2.32.89
po
324.19
419.73
231.83
322.92
418.27
230.73
';',/!
321.58
416.75
229.58
320.17
415.10
228.39
318.67
413.34
227.17
317.09
411.46
vvi>v
• -
^v^>^
3
175.VI
,M
.-M'
^
122
3, MODIFIED PRELIMINARY TERM.
'% MEAN RESERVES.
ENDOWMENT IN 10 YEARS.
Age.
Ctli Year.
7tli Year.
8tU Year.
9th Year.
lOtli Year.
20
53S.r)i
642.68
751.37
864.76
983.09
2]
538.34
642.54
751.26
864.71
983.09
22
538.17
642.40
751.16
864.65
983.09
2;;
538.00
642.26
751.05
864.56
983.09
24
537 . 82
642.11
750.95
864.53
983.09
25
537. G3
641.96
750.83
864.46
983.09
20
537.42
641.78
750.70
864.38
983.09
27
537 . 21
641.60
750.56
864.33
983.09
2S
53G.98
641.41
750.42
864.23
983.09
20
536.75
641.22
750.27
864.16
983.09
30
536.50
641.01
750.12
864.06
983.09
31
536.24
640.79
749.95
863.97
983.09
32
535.96
640.55
749.77
803.87
983.09
33
535.66
640.29
749.58
863.75
983.09
34
535.35
640.03
749.38
863.64
983.09
3r.
535.02 .
639.75
749.16
863.51
983.09
30
534.65
639.43
748.91
863.37
983.09
37
534.27
639.11
748.66
863.23
983.09
3S
533.89
633.78
748.42
863.08
983.09
30
533.44
638.39
748.10
802.88
983.09
40
533.01
638.01
747.80
802.71
983.09
4J
532.55
637.61
747.49
802.53
983.09
42
532.04
637.15
747.12
802.30
983.09
4?,
531.52
636.67
746.73
862.06
983.09
44
530.95
636.15
746.29
861.79
983.09
4o
530.32
635.56
745.81
861.48
983.09
4(i
529.64
634.93
745.29
861.16
983.09
47
528.89
634.22
744.69
860.79
983.09
4>^
528.07
633.45
744.05
860.39
983.09
49
527.17
632.61
743.35
859.95
983.09
50
526.20
631.68
742.56
859.46
983.09
51
524.69
630.67
741.71
858.92
983.09
r.->
524.02
629.59
740.80
858.35
983.09
5:;
522.79
628.39
739.77
857.70
983.09
54
521.47
627.09
738.66
856.99
983.09
55
520.03
625.69
737.43
856.20
983.09
5G
518.50
624.17
736.12
855.35
983.09
57
516.82
622.50
734.66
854.40
983.09
58
515.02
620.70
7.33.08
853.38
983.09
59
513.08
018.74
731.36
852.25
983.09
(iO
511.00
616.02
729.47
851.00
983.09
Actuaries'
4%
MODIFIED PRELIMINARY TERM.
MEAN and TERMINAL RESERVES.
:25
4%
MODIFIED PRELIMINARY TERM.
TERMINAL RESERVES.
LIFE PAID-UP IN 20 YEARS.
Age.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
21
6.55
20.16
34-33
49.06
64.41
22
6.61
20.54
35-05
50.15
65-87
^Z
6.66
20.94
35-80
51.27
67-37
.24 .
^Jl
21.34
36.57
52.41
68.91
25
6.76
21-75
37-35
53-58
70.48
26
6.80
22.18
38.17
54-79
72.10
27
6.84
22.60
38.98
56-03
73-76
28
6.88
23.03
39-83
57-30
7546
29
6.91
23.48
40.69
58.60
77.22
30
6.94
23-93
41-57
59-93
79-03
31
6.97
24.38
42.49
61.32
80.90
32
6.98
24.86
43-43
62.75
82.84
33
7.00
25-34
44-40
64.23
84-87
34
7.00
25-83
. 45-42
65.78
86.97
35
7-00
26.34
46.47
67-39
89.16
36
6.99
26.89
47-56
69.07
91-45
'37
6.98
27-42
48.70
70.83
93-85
38
6.95
28.00
49-90
72.66
96-35
39
6.92
28.60
51-15
74.58
98.91
40
6.88
29.23
52.44
76-53
101.45
41
6.83
29.85
53-74
78-43
103-95
42
6.76
30.46
54-97
80.28
106.35
43
6.69
31.04
56.15
82.01
108.65
44
6.61
31-58
57-27
83-70
110.89
45
6.51
32.06
58.32
85-32
113.10
46
6.40
32.53
59-37
86.96
115.29
47
6.27
32.99
60.43
88.59
117.48
48
6.13
33-46
61.47
90.19
119.64
49
5-97
33-90
62.49
91.78
121.77
50
5-79
34.32
63-50
93-34
123.89
51
5.60
34-74
64-49
94.91
126.00
52
540
35-13
65-49
96.48
128.12
53
5-i8
35-54
66.49
98.04
130-25
54
4-95
35-93
67-48
99-63
132.39
55
4.70
36.32
68.49
101.23
134-55
126
m ^ MODIFIED PRELIMINARY TERM.
gkyVr\ TERMINAL RESERVES.
■^ /^ LIFE PAID-UP IN 20 YEARS.
Actuaries'
Age.
6 Years.
7 Years.
8 Years.
9 Years.
10 Years.
21
80.40
97.04
114.38
132.43
151.24
22
82.23
99.27
1 17.01
135.50
154-74
23
84.12
101.57
119.74
138.65
158.35
24
86.06
103.93
122.53
141.89
162.07
^\
88.05
106.35
125.40
145-23
165.89
26
90.10
108.84
128.35
148.67
169.83
27
92.20
1 1 1.39
131-39
152.20
173-88
28
94.36
114.04
134.52
155-85
178.09
29
96.60
116.77
137.76
159-64
182.44
30
98.89
119-57
141. 12
163.55
186.94
31
101.28
122.50
144.59
167.62
191.62
32
10377
125-53
148.21
171.85
196.48
33
106.33
128.69
151.98
176.24
201.53
34
109.03
131-99
155.90
180.82
206.72
35
1 1 1.82
135-42
159.99
185.53
212.04
36
114.76
'^^•?o
164.19
190.33
217.42
37
117.80
142.68
168.46
195.18
222.82
38
120.93
146.40
172.78
200.04
228.23
39
124.08
150.15
177.06
204.87
233.60
40
127.22
153-83
181.29
209.64
238.94
41
130.27
157-43
185.43
214.35
244.21
42
133.22
160.92
189.49
218.97
249-39
43
136.08
164.35
193-47
223.49
254.46
44
138.89
167.72
197.39
227.96
259.46
45
141.65
171.02
201.24
232.34
264.42
46
144.40
174.31
205.06
236.70
269.31
47
147-12
177.57
208.85
241.04
274-15
48
149-82
180.81
212.62
245.30
278.96
49
152.50
184.01
216.34
249.55
283.72
50
155-16
187.19
220.04
^^},-17
288.43
51
157.80
190.36
223.73
257-94
293-04
52
160.46
193.54
22^.1^)
262.03
297-55
53
163-13
196.71
231.00
266.05
301.93
54
16S.80
199.82
234-53
269.93
306.15
55
168.42
202.88
^37-95
273.69
310.19
127
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
TERMINAL RESERVES.
LIFE PAID-UP IN 20 YEARS.
Age. II Years. 12 Years.
21 170.84 191.26
22 174.80 195-69
23 178.87 200.27
24 183.09 205.00
25 187.41 209.84
26 191.88 214.88
2'J 196.49 220.07
28 201.26 225.42
29 206.20 230.99
30 211.32 236.75
31 216.63 242.72
32 222.15 248.87
33 227.83 255.15
34 233.63 261.55
35 239.53 268.02
36 245.46 274.50
37 251.42 281.02
38 257.37 287.56
39 ^^l.-'h'h 294.08
40 269.23 300.55
41 275.05 306.95
42 280.79 313-25
43 286.42 319-44
44 291.99 325.59
45 297.49 331-64
46 302.91 337.64
47 308.31 343-58
48 313-64 349-45
49 318.92 355-20
50 324.08 360.81
51 329-11 366.25
52 334-00 371-52
53 338-74 376-57
54 343-25 381-40
55 347-58 385-94
13 Years.
14 Years.
15 Years.
212.54
234-74
257.90
217.48
240.21
263.91
222.58
245-85
270.13
227.84
251.67
276.54
233.27
257.67
283.16
238.87
263.89
290.02
244.64
270.31
297.09
250.63
276.95
304.40
256.85
283.83
311-95
263.27
290.90
319-65
269.89
298.14
327-52
276.65
305-52
335-49
283-55
312.99
34356
290.51
320.54
351-72
297-55
328.16
359-96
304.60
335-83
368.23
311-73
343-53
376-54
318.83
351-23
384.86
325-93
358.93
393-17
332-97
366.57
401.44
339-95
374-16
409.67
346.84
381.66
417.80
353-63
389-05
425.86
360.35
396.40
433-85
366.99
403-64
441.74
373-57
410.82
449-51
380.08
417-88
457-15
386.45
424-79
464.61
392.68
431-51
471.87
398.74
438.04
478.90
404.61
444.33
485-67
410.24
450.36
492.14
415-65
456.10
498.27
420.73
461.51
504.07
425-53
466.58
509-49
[28
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
TERMINAL RESERVES.
LIFE PAID-UP IN 20 YEARS.
Age.
21
2.2
23
24
25
26
27
28
29
30
31
33
34
35
36
37
38
39
40
41
42
43 •
44
45
46
47
48
49
50
51
52
53
54
55
16 Years.
282.06
288.66
29547
302.51
309.77
31730
325.06
333-04
341-23
349-57
358.04
366.65
375-32
384.11
392.98
401.88
410.83
419.80
428.76
437-70
446.59
455-40
464.16
472.84
481.39
489.81
498.08
506.14
513-98
521.59
528.89
535-86
542.50
548.78
554-66
17 Years.
307.29
314-49
321-94
329-^3
337-58
345-80
354-22
362.88
371-71
380.68
389.78
399.02
408.36
417-79
427-33
436.88
446.51
456.16
465.82
475-45
485-07
494.62
504.12
513-52
522.79
531-92
540.89
549.64
558.17
566.41
574-36
581.99
589.27
596.18
602.69
18 Years.
333-64
341.48
349.60
357-97
366.62
375-53
384.64
393-94
403-43
413.06
422.81
432.73
442.74
452.87
463.08
473-34
483.68
494.07
504.46
514.87
525.27
535-63
545-91
556.11
566.18
576.11
585-88
595-44
604.74
613.80
622.56
631.03
639.16
646.93
654.31
19 Years.
361.17
369.69
378.50
387.60
396-94
406.53
416.32
426.30
436.46
446.75
457-23
467.84
478-56
489.41
500.36
511-39
522.50
533-66
544.88
556.13
567-40
578.61
589.78
600.87
611.86
622.70
633.43
64393
654.22
664.29
674.11
683.67
692.93
701.88
710.49
20 Years.
389-96
399.18
408.71
418.52
428.57
438.86
449-35
460.02
470.88
481.91
493-11
504-46
515-95
527-57
539-31
551-16
563.10
575-14
587-26
599-43
611.63
623.83
636.00
648.12
660.17
672.12
683.97
695.65
707.19
718.57
729.76
740.77
751.57
762.15
77250
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
TERMINAL RESERVES.
LIFE PAID-UP IN 15 YEARS.
[29
Age.
21
22
^3
24
25
26
27
28
29
30
31
Z^
2>Z ■
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
Year.
10.77
10.90
11.03
II. 17
11.30
11-43
11-57
11.70
11.83
11-95
12.07
12.19
12.31
12.42
12.52
12.61
12.70
12.79
12.86
12.93
12.99
13.04
13.07
13.10
13.11
13.10
13.06
13.01
12.93
12.83
12.70
12.54
12.36
12.14
11.89
11.62
11.31
10.97
10.60
10.21
2 Years.
28.79
29-33
29.90
30-47
31.06
31.66
32.27
32.90
33-54
34-19
34.85
35-53
36.23
36.93'
37-65
38-41
39-17
3996
40.79
41.64
42.50
43.33
44.14
44.90
45.61
46.30
46.96
47.62
48.23
48.80
49-35
49-85
50.34
50.78
51.18
51-58
51.93
52.24
52-45
52.61
3 Years.
47-58
48.56
49.56
50.59
51.65
52.75
53.85
55-00
56.16
57-35
58.58
59.85
61.14
62.48
63.86
65.30
66.77
68.31
69.91
71.55
73.20
74-79
76-33
77.81
79.21
80.60
81.98
83-33
84.63
85.89
87.09
88.28
89.42
90.50
91-57
92.61
93-59
94-45
95.20
95.85
4 Years.
67.17
68.60
70.07
71-57
73.12
74.72
76.35
78.03
79-74
81.50
8332
85-19
87.11
89.12
91.18
93.32
95-55
97.86
100.26
102.69
105.08
107-43
109.67
1 11.86
113-97
116.09
118.17
120,21
122.20
124.13
126.03
127.87
129.66
131.40
133-11
134-77
136.31
137.70
138-94
140.03
5 Years.
87.60
89-50
91-45
93-46
95-51
97-63
99.80
102.03
104.32
106.68
109.11
111.61
114.22
1 16.90
119.68
122.57
125-57
128.68
131.86
135.04
138.18
141.24
144.21
147.11
149.97
152.79
155-59
158.34
161.02
163.64
166.21
168.72
171. 17
173.57
175-91
178.13
180.21
182.08
183.76
185.26
130
4%
MODIFIED PRELIMINARY TERM.
TERMINAL RESERVES.
LIFE PAID-UP IN 15 YEARS.
Actuaries'
Age.
6 Years.
7 Years.
8 Years.
9 Years.
10 Years.
21
108.93
Ui-iJ
154.37
178.59
203.87
22
1 1 1.30
134-05
157.78
182.55
208.40
2i
113-75
137.02
161.29
186.62
213.06
24
116.26
140.06
164.89
190.81
217.85
25
118.85
143.20
168.61
195.12
222.81
26
121.52
146.43
172.43
199-57
227.90
27
124.25
149-75
176.37
204.15
233-15
28
127.06
153-18
180.43
208.88
238.60
29
129.96
156.70
184.61
213.76
244.20
30
132.94
160.33
188.93
218.79
250.00
31
136.01
164.08
193-38
224.01
255.98
2>2
139.20
167.96
198.00
229.40
262.19
?,2>
142.48
171.98
202.79
234.97
268.60
34
145.90
176.15
207.74
240.75
275-19
35
149.41
180.46
212.87
246.68
281.92
36
153-10
184.95
218.14
252.74
288.77
2>7
156.89
189.53
223.50
258.88
295.67
38
160.78
194-18
228.93
265.06
302.63
39
164.71
198.88
234.36
271.24
309.59
40
168.65
203.54
239.77
277.41
316.59
41
172.51
208.13
245.11
283.56
323.55
42
176.29
212.65
250.41
289.66
330.48
43
179.99
217.12
255.65
295.69
337.35
44
183.65
221.53
260.84
30 1 .69
344.17
45
187.24
225.88
265.96
307.61
350.97
46
190.81
230.18
271.04
313.50
357.70
47
194-31
234-43
276.06
319-34
364.37
48
197.77
238.64
281.03
325.08
370.98
49
201.17
242.75
285.90
330.76
377.52
50
204.49
246.80
290.70
336.35
38393
51
207.73
250.76
295.41
341-84
390.21
52
210.94
254.67
300.03
347-^7
396.33
53
214.08
258.48
304.51
352-35
402.25
54
217.12
262.14
308.81
357-30
407.91
55
220.04
265.65
312.90
362.02
413.31
56
222.82
268.96
316.76
366.48
418.41
57
225.39
272.04
320.36
370.61
423.14
58
227.74
274.84
32363
374.36
427.47
59
229.84
277.36
326.53
?>77-7^
431-36
60
231.71
270.55
329.08
380.60
434.85
KV
4%
MODIFIED PRELIMINARY TERM.
TERMINAL RESERVES.
LIFE PAID-UP IN 15 YEARS.
Actuaries'
Age.
II Years.
12 Years.
13 Years.
14 Years.
15 Years.
21
230.27
257-83
286.62
316.71
348.17
22
235-39
263.57
293.03
323-82
355-99
2^
240.66
269.50
299.63
33^-'i3
364.07
24
246.11
275.62
306.44
338-69
372.41
25
251.71
281.90
313-50
346-50
381.04
26
257-50
288.43
320.76
354-58
389.96
27
263.47
295-15
328.26
362.91
399-18
28
269.65
302.10
336.04
371-56
408.71
29
276.02
309.28
344.07
380.46
418.52
30
282.60
316.70
352.36
389-63
428.57
31
289.41
324-36
360.88
399.02
438.86
32
296.46
332-25
369.62
408.63
449-35
33
303.71
340.31
378.54
418.40
460.02
34
311. 10
348.55
387.60
428.33
470.88
35
318.63
356.89
396-79
438.40
481.91
36
326.27
365-34
406.08
448.64
493-11
37
33398
373-88
415-54
459.00
504-46
38
341-73
382.50
425-03
469.45
515-95
39
349-53
391.18
434-62
480.03
527-57
40
357-37
399-89
444-27
490.68
539-31
41
365.18
408.61
453-94
501.39
551-16
42
372-99
417-32
463-65
512.18
563-10
43
380.74
426.01
473-36
522.98
575-14
44
388.46
434-71
483.08
533-84
587.26
4|
396.15
443-35
492.79
544-72
599-43
46
403-79
451-99
502.50
555-62
611.63
47
411.38
460.57
512.18
566.47
623.83
48
418.90
469.09
521.76
577-27
636.00
49
426.36
477-50
531-26
. 587.98
648.12
50
433-65
485-77
540.59
598-56
660.17
51
440.79
493.84
549-78
609.00
672.12
52
447-74
501.76
558-76
619.28
683.97
53
454-49
509.41
567-54
629-35
695-65
54
460.94
516.81
575-99
639.18
707.19
55
467-13
523-88
584.19
648.76
718.57
56
472-95
530.60
592.03
658.06
729.76
57
478.40
536.96
599-55
667. 1 1
740.77
58
483.42
542.87
606.65
675-77
751-57
59
488.02
548.37
613-35
684.10
762.15
60
492.16
553-40
619.59
692.05
772-50
13-2
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
TERMINAL RESERVES.
LIFE PAID-UP IN 10 YEARS.
Age.
21
22
^3
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
SO
51
52
53
54
55
56
57
58
59
I Year.
1947
19.77
20.07
20.38
20.70
21.03
21.35
21.68
22.02
22.36
22.71
23-05
23.40
2375
24.10
24.44
24.79
25-13
25-47
25.82
26.16
26.49
26.82
27-15
27.46
27.76
28.03
28.28
28.50
28.70
28.86
28.99
29.07
29.12
29.12
29.07
28.98
28.83
28.62
28.36
2 Years.
46.62
47-50
48.41
49-35
50.31
51-31
52.32
53-36
54.43
55-52
56-63
57-78
58.96
60.16
61.39
62.66
63-95
65.28
66.66
68.08
69.51
70.95
72.37
' 73-76
75-10
76-43
77-72
79.02
80.27
81.48
82.65
83.76
84-83
85.84
86.78
87.68
88.50
89-23
89-83
90-33
3 Years.
74-97
76.47
78.01
79.61
81.24
82.94
84.66
86.45
88.27
90.14
92.08
94.06
96.11
98.21
100.37
102.60
104.89
107.27
109.72
112.24
114.80
-'7.31
U'9.82
122.28
124.67
127.07
129.46
131.82
134.13
136.40
138.59
140.76
142.85
14485
146.80
T48/.7
150.45
152.05
153-49
154.75
4 Years.
104.58
106.73
108.94
1 1 1. 2 1
113-56
115-97
118.46
121.01
123.63
126.32
129. 1 1
131-97
134-92
137-98
141. II
144-35
147.71
151. 16
154-74
158.38
162.03
165.67
169.26
172.82
176.32
179.85
183.36
186.82
190.24
193.61
196.92
200.16
203.33
206.42
209.42
212.32
215.06
217.60
219.90
221.99
Years.
135-52
138.35
141.25
144.24
147-32
150.49
153-76
157.12
160.58
164.14
167.82
171.60
175-53
179-56
183.72
188.03
192.49
197.08
201.80
206.55
211.34
216.08
220.81
225.52
230.19
234.88
239-56
244.21
248.79
253-34
257.81
262.22
266.54
270.79
274.92
278.90
282.68
286.20
289.48
292.48
133
4%
MODIFIED PRELIMINARY TERM.
TERMINAL RESERVES.
LIFE PAID-UP IN 10 YEARS.
Acttiari
es'
Age.
6 Years.
7 Years.
8 Years.
9 Years.
10 Years.
21
167.87
201.67
237.01
273.96
312.62
22
171.38
205.92
242.03
279.80
319.29
23
175.01
210.31
247.21
285.80
326.17
24
178.76
214.82
252.55
292.00
zzzv
^1
182.60
219.48
258.05
298.39
340.60
26
186.57
224.28
26^.72
305.00
348.17
27
190.66
229.24
269.60
311.81
355-99
28
194.86
234-34
275.63
318.83
364-07
29
199.21
239.60
281.85
326.09
372-41
30
203.67
245.02
288.29
333-58
381.04
31
208.29
250.63
294.94
341-37
389.96
Z^
213.06
256.42
301.81
349-37
399.18
33
217.98
262.42
308.93
357-65
408.71
34
223.08
268.60
316.28
366.23
418.52
35
228.31
274.99
323.86
37501
428.57
36
233-74
. 281.59
331-63
384.03
438.86
^l
239-35
288.37
339-61
393-25
449-35
38
245.09
295.26
347-73
402.60
460.02
39
250.95
302.31
355-98
412.12
470.88
40
256.85
309-38
364.28
421.71 -
481.91
41
262.78
316.51
372.67
431-48
493-11
42
268.69
Z^Z-^Z
381. II
441.33
504-46
43
274.60
330.82
389-63
451.26
515-95
44
280.54
338.05
398.22
461.31
527-57
45
286.43
345-24
406.80
471-39
539-31
46
292.37
352.48
415-46
481.58
551-16
47
298.27
359-70
424.11
491.82
563-10
48
304.16
366.94
432.80
502.07
575-14
49
310.00
374-12
441.46
512.36
587.26
50
315-81
381.29
450.14
522.70
599-43
51
321.52
388.39
458.75
532.99
611.63
52
327.21
395-45
467.31
543-25
623.83
53
332.79
402.41
475-80
553-45
636.00
54
338.28
409.24
484.16
563-53
648.12
55
343-62
415.93
492.35
573-49
660.17
56
348.77
422.38
500.31
583-28
672.12
57
353-70
428.63
508.12
592.89
683.97
58
358.35
434.58
515.61
602.24
695-65
P
362.72
440.24
522.77
611.36
707.19
60
366.77
445-53
529.62
620.18
718.57
^34
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
TERMINAL RESERVES.
ENDOWMENT IN 20 YEARS.
Age.
23
24
25
26
27
28
29
30
31
Z2
33
34
35
36
2,7
38
39
40
41
42
43
44
45
46
47
48
49
50
I Year.
25-07
24.80
24.53
24.24
23-94
23.62
23.29
22.94
22.58
22.21
21.82
21.42
20.99
20.56
20.11
19.64
19.16
18.67
18.16
17.63
17.10
16.55
15.99
15-42
14-83
14.24
13-63
13.01
12.38
11-75
2 Years.
58.08
57-81
57-54
57-25
56.94
56.63
56.29
55-94
55.58
55-21
54.82
54.43
54-03
53.62
53-21
52.82
52.41
52.02
51.65
51.29
50.93
50.54
50.12
49.66
49.16
48.64
48.12
47.62
47.10
46.58
Years.
92.58
92.31
92.03
91.74
91.42
91. II
90.77
90.41
90.04
89.66
89.29
88.91
88.52
88.15
87.80
87.46
87.14
86.86
86.62
86.40
86.18
85-89
85-55
85-14
84.68
84.22
83-77
83.33
82.89
82.46
4 Years.
128.64
128.37
128.09
127.79
127.47
127.14
126.79
126.43
126.05
125.67
125.29
124.92
124.56
124.23
123.91
123.64
123.42
123.24
123-13
123.02
122.85
122.63
122.30
121.91
121.47
121.05
120.63
120.22
119.81
119.42
Years.
166.34
166.07
165.78
165.48
165.14
164.81
164-45
164.06
163.68
163.30
162.92
162.56
162.24
161.93
161.67
161.46
161.33
161.25
161.22
161. 14
161.02
160.78
160.44
160.04
159.61
159.18
158.76
158.35
157-93
157.55
135
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
TERMINAL RESERVES.
ENDOWMENT IN 20 YEARS.
Age.
6 Years.
21
205.78
22
205.49
^Z
205.19
24
204.87
25
204.53
26
204.18
27
203.80
28
203.41
29
203.03
30
202.64
31
202.26
32
201.93
zz
201.61
34
201.35
35
201.14
36-
201.01
37
200.95
38
200.93
39
200.90
40
200.85
41
200.69
42
200.41
43
200.04
44
199.62
45
199.16
46
198.70
47
198.23
48
197.78
49
197-34
50
196.93
7 Years.
247.02
246.73
246.41
246.08
245-72
245-36
244.96
244-57
244.18
243-78
243.42
243.09
242.81
242.58
242.44
242.37
242.34
242.32
242.26
242.17
241.96
241.62
241.21
240.75
240.22
239.69
239.16
238.65
238.14
237.66
8 Years.
9 Years.
10 Years.
290.16
335-30
382.56
289.86
335-00
382.24
289.54
334-65
381.89
289.19
334-31
381-53
288.82
333-92
381-13
288.44
333-54
380-73
288.04
333-IO
380.28
287.63
332-68
379-88
287.22
332.29
379-49
286.84
331-91
379-13
286.47
331-58
378-79
286.16
331-29
378-53
285.91
331-05
378-33
285.73
330-91
378-18
285.64
330.82
378.07
285-57
330.75
377-95
285.54
330.67
277-7^
285.51
330-56
377-59
285.41
330.37
377.29
285.22
330.09
376-93
284.92
329-72
376.47
284.53
329.25
375-90
284.05
328.66
375-20
283.50
328.01
374-42
282.89
327.30
373-61
282.28
Z^^-SJ
372-75
281.64
325-84
371-86
281.04
325-10
371.00
280.43
324-38
370.15
279.87
323-70
369.30
136
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
TERMINAL RESERVES.
ENDOWMENT IN 20 YEARS.
Age. II Years 12 Years. 13 Years. 14 Years. 15 Years.
21 432.03 48383 538.12 594.99 654.63
22 43170 483.50 537.78 594-66 654.32
23 431-33 483-13 537-42 594-32 653.98
24 430.98 482.78 537.06 593.96 653.66
25 430.57 482.35 536.67 593-58 653.30
26 430-17 481.97 536.28 593.22 652.95
27 429.74 481.55 535.82 592.80 652.58
28 429.33 481.12 535.46 592.44 652.23
29 428.94 480.75 535.09 592.10 651.92
30 428.56 480.42 534.78 591-79 651.59
31 428.26 480.12 534.49 591.48 651.28
32 428.02 479.88 534.21 591.19 650.93
33 427-83 479-64 533-95 590-84 650.55
34 427.65 479.41 533.65 590.48 650.14
35 427-48 479.18 533.33 590.09 649.72
36 427.26 478.87 532.93 589.64 649.19
37 427.02 478.53 532.54 589.14 648.64
38 426.71 478.15 532.03 588.56 648.02
39 426.34 477.68 531.46 587.92 647.30
40 425.8a 477.10 530.77 587.15 646.46
41 425.30 476.42 529.99 586.27 645.54
42 424.62 475.60 52907 585-27 644.47
43 423-80 474-66 528.03 584-13 643.30
44 422.91 473-67 526.90 582.92 642.03
45 421-97 472.57 525-70 581.62 640.68
46 420.96 471.45 524.45 580.27 639.23
47 419-94 470.29 523.15 578.81 637.68
48 418.92 469.12 521.79 577-30 636.03
49 417-91 467-89 520.37 575.68 634-27
50 416.86 466.62 518.85 573.96 632.39
4%
ActiKirir:
MODIFIED PRELIMINARY TERM.
TERMINAL RESERVES.
ENDOWMENT IN 20 YEARS.
137
Age.
16 Years.
17 Years.
18 Years.
19 Years.
20 Years.
21
717-15
782.78
851.66
923.98
1000.00
22
716.89
782.54
851.49
923.90
1000.00
23
716.58
782.31
851-31
923.80
1000.00
24
716.31
782.07
851-11
923.71
1000.00
25
715-97
781.78
850.91
923-58
1000.00
26
715-67
781-53
850.70
923.46
1000.00
27
715-34
781.22
850.47
923.28
1000.00
28
715.02
780.92
850.25
923.16
1000.00
29
714.71
780.66
850.01
923.03
1000.00
30
714.40
780.36
849.77
922.85
1000.00
31
714-05
780.01
849-49
922.69
1000.00
32
713.70
779.69
849.19
922.51
1000.00
ZZ
713.29
779-31
848.86
922.29
1000.00
34
712.85
778.88
848.51
922.08
1000.00
35
712.41
778.45
848.14
921.86
1000.00
36
711.87
777.91
847-69
921.56
1000.00
^^
711.28
777-2^7
847.22
921.29
1000.00
38
710.62
77^-73
846.71
920.95
1000.00
39
709.88
776.04
846.10
920.59
1000.00
40
709.05
775-23
845-44
920.18
1000.00
41
708.10
774-35
844-71
919.74
1000.00
42
707.03
773-35
843.89
919.20
1000.00
43
705-87
772.27
842.98
918.65
1000.00
44
704.61
771-08
842.00
918.04
1000.00
45
703.24
769.78
840.92
917-37
1000.00
46
701.76
768.39
839-75
916.64
1000.00
47
700.17
766.88
838.48
915.86
1000.00
48
698.48
765.27
837-13
914.98
1000.00
49
696.66
7(^^3-52
835-63
914.04
1000.00
50
694.71
761.62
834.01
913-00
1000.00
138
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
TERMINAL RESERVES.
ENDOWMENT IN 15 YEARS.
Age.
I Year.
2 Years
21
41.19
91.09
:i2
40.92
90.81
22>
40.63
90.53
24
40.34
90.22
25
40.03
89.90
26
3970
89-57
27
39-36
89.21
28
39.00
88.84
29
38.63
88.45
30
38.23
88.04
31
37.82
87.60
32
37-38
87.16
ZZ
36.93
86.69
34
36.45
86.20
35
35-95
85.70
36
35-44
85.20
37
34.90
84-67
38
34-33
84.16
39
33-75
83.64
40
33-15
83-13
41
32.53
82.60
42
31.90
82.03
43
31-24
81.42
44
30.56
80.76
45
29.86
80.03
46
29.14
79-28
47
28.40
78.42
48
27.63
77.68
49
26.83
76.83
50
26.01
75-95
51
25-17
75-05
52
24-31
74.11
S3
23.42
73.16
54
22.51
72.19
55
21.58
71.20
56
20.63
70.22
57
19.67
69.23
58
18.68
68.22
59
17.69
67.15
60
16.69
66.08
3 Years.
143-30
143.01
142.72
142.41
142.07
141.74
141.36
140.99
140.57
140.14
139.69
139-23
138.75
138.26
137-76
137.27
136.78
136.31
135-85
135-41
134-94
134-39
133-77
133-07
'32.28
J31-47
130.62
12975
128.80
127.85
126.84
125.82
124.78
123.69
122.62
121.56
120.48
119-34
118.13
116.87
. Years.
5 Years.
197.92
255-08
197.64
254.80
197-33
254.50
197.01
254.16
196.67
253-82
196.32
253-46
195-94
253.06
195-54
252.64
195.12
252.21
194.68
251.75
194.20
251.27
193-72
250.78
193-23
250.30
192-75
249.80
192.25
249.32
191.78
248.87
191-33
248.46
190.90
248.07
190.50
247-70
190.10
247-27
189.62
246.77
189.06
246.14
188.38
245-39
187.61
244-54
186.75
243.62
185.88
242.65
184.95
241.62
183.96
240.54
182.93
239.36
181.86
238.16
180.74
236.91
179-59
235-61
178.41
234.29
177.21
232.94
176.01
231-58
174.81
230.17
173-55
228.67
172.22
227.06
170.78
225.34
169.29
223.54
139
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
TERMINAL RESERVES.
ENDOWMENT IN 15 YEARS.
Age. 6 Years. 7 Years. 8 Years. 9 Years. 10 Years.
21 314-93 577-5^ 443-19 511-90 5''^3-94
22 314-63 377-29 442.90 511-65 583-68
23 314.33 376.98 442.60 511.34 583-40
24 313.98 376.63 442.25 511.01 583.07
25 313.64 376.32 441.90 510.66 582.74
26 313.27 375.90 441.53 510.32 582.41
27 312.86 375.49 441-13 509-90 582.01
28 312.44 375.08 440.70 509.50 581.63
29 312.00 374.63 440.24 509.06 581-24
30 311.53 374-15 439-80 508.62 580.85
31 311-03 373-66 439-29 508.18 580.39
32 310.56 373-^7 438.83 507.73 579.99
33 310.06 372.71 438.38 507-27 579-59
34 309-59 372.24 437-93 506.87 579.18
35 309.11 371-80 437-54 506.46 5~8-78
36 308.71 371.42 437-13 506.07 57^.3^
37 308.32 371 -03 436.72 505.64 577-86
38 307.94 370.62 436.30 505-14 57730
39 307-53 370.18 435-79 504.56 576.72
40 307.08 369.65 435.18 503-88 57604
41 306.50 368.99 434.44 503-11 575-23
42 305-79 368.20 433-59 502.22 574.32
43 304.96 367.31 432-63 501.18 573-26
44 304-05 366.32 431-54 500.05 572-08
45 303.04 365-22 430-37 498-81 570-83
46 301.97 364-04 429-11 497-47 569-46
47 300.82 362.77 427-74 496.05 567.98
48 299.61 361.45 426.32 494.51 566.4
49
50
298.30 360.00 424-78 492-85 564-72
296.98 358.54 423.16 491.18 562.98
51 295.55 356-98 421.47 489.37 561.10
52 294.12 355-38 419-70 487-44 559-08
53 292.64 353-73 417-86 485-43 55694
54 29 1. 1 1 351.97 415-89 483-25 554-60
55 289.52 350.14 413-80 480.92 552.11
56 287.86 348.19 411.55 478.44 549-43
57 286.07 346.10 409.16 475-74 546.50
58 284.16 34385 406.58 472.80 543.32
59 282.10 341.42 403-71 469-62 539-85
60 279.93 338-81 400.67 466.19 536- 14
140
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
TERMINAL RESERVES.
ENDOWMENT IN 15 YEARS.
Age.
II Years.
12 Years.
21
659.42
738.54
2.2
659-17
738.34
23
658.91
738.12
24
658.64
737-89
25
658.33
737.60
26
658.04
7V7-Z7
27
657.69
737.10
28
657-36
736.78
29
656.98
736.47
30
656.59
736.17
31
656.20
735-84
32
655-83
735-52
Z'}^
655-50
735-18
34
655-11
734-82
35
654-69
734-45
36
654.25
73403
37
653-78
733-58
38
653-22
733-07
39
652.59
732-49
40
651.92
731-84
41
651.09
731.10
42
650.21
730.24
43
649.17
729.28
44
648.03
728.29
45
646.80
727.13
46
645-44
725-92
47
644.00
724.60
48
642.46
723.19
49
640.79
721.61
50
639.08
720.03
51
637.18
718.22
52
635-12
716.32
53
632.97
714-25
54
630.59
712.00
55
628.05
709-56
56
625.27
706.89
57
622.24
704.00
58
618.95
700.82
59
615-39
697.40
60
611.53
693.67
13 Years.
821.55
821.38
821.22
821.04
820.86
820.67
820.41
820.23
819-97
819.76
819.51
819.24
819.00
818.70
818,37
818.01
817.66
817.20
816.72
816.18
815-57
814.89
814.11
813.29
812.37
811.38
810.31
809.14
807.83
806.53
805.07
803.45
801.75
799.80
797-77
795-50
793-05
790.36
787.44
784-25
14 Years.
908.61
908.54
908.43
908.31
908.21
908.14
907.98
907-87
907-73
907.61
907-45
907.31
907.14
906.95
906.72
906.55
906.30
906.02
905-74
905.42
905.01
904.62
904.15
903.64
903.08
902.50
901.81
901. II
900.36
899.50
898.59
897-57
896.50
895.29
893-99
892.56
891.04
889.31
887.46
885.41
15 Years.
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1 000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
141
4%
MODIFIED PRELIMINARY TERM.
TERMINAL RESERVES.
ENDOWMENT IN lo YEARS.
Age.
I Year.
2 Years.
3 Years.
4 Years.
21
74-50
159-30
248.08
341.04
22
74.22
159.02
247.80
340.79
23
73-93
158.73
247-51
340.50
24
7Z-^Z
158.42
247.21
340.19
25
73-33
158.11
246.90
339-90
26
73.01
157-78
246.57
339-57
27
72.66
157-44
246.22
33923
28
72.30
157-07
245-86
338-87
29
71-93
156.68
245-45
338.47
30
71-53
156.27
245-03
338.04
31
71. II
155-84
244-60
337.62
32
70.67
155-38
244.14
^^V2o
33
70.21
154-91
243.66
336.68
34
69.72
154.40
243.16
336.20
35
69.20
153-86
242.61
335-65
36
68.66
153-32
242.06
335-12
Z7
68.09
152-73
241.49
334-58
38
67.48
152.13
240.91
334-02
39
66.85
151-54
240.35
333-50
40
66.20
150.92
239-76
332-93
41
65-52
150.28
239.14
332-28
42
64.82
149.60
238.44
331-58
43
64.09
148.87
237-67
330.75
44
63-35
148.09
236.83
^^§•^5
45
62.58
147.22
^^5-86
328.82
46
61.77
146.32
234.88
'^^IV
47
60.94
145-37
233-85
326.67
48
60.06
144-38
232.73
325-44
49
59-15
143-34
231-54
324-15
50
58.20
142.22
230.28
322.75
51
57-22
141.06
228.94
321.28
52
56.18
139.82
227-53
319.70
53
55-11
138.53
226.04
318.05
54
54.00
137-19
224.47
316.30
55
52-83
135-77
222.83
314-47
56
51-63
134-32
221.13
312.54
57
50.38
132.81
219.36
310.51
58
49.08
131.21
217.42
308.26
59
47-75
129.52
215-38
305-88
60
46.37
127-73
213-15
303-27
Years.
438.41
438.18
437-90
437-61
437-33
437.02
436.69
436.34
435-96
435-55
435-15
434.70
434.26
433-78
43326
432-76
432-25
431-73
431.26
430.67
430.02
429.27
428.41
427.49
426.43
425-34
424.19
422.93
421.53
420.05
418.50
416.81
415-05
413-19
411.23
409. 1 1
4cf..87
404-37
401.73
398.81
M-
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
TERMINAL. RESERVES.
ENDOWMENT IN lo YEARS.
Age.
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
6 Years.
540.44
540.20
539-96
539-67
539-44
539-15
538-85
538.53
538-18
537-79
537-43
537-03
536.60
536.19
535-70
535-26
534-80
534-31
533-85
533-28
532.62
531-87
531-02
530.13
529.07
528.00
526.84
525-55
524.19
522.71
521.12
519-45
517.66
515.77
513-73
511-54
509.20
506.57
.503.78
500.73
7 Years.
647-32
647.14
646.91
646.67
646.47
646.22
645-97
645.70
645.40
645-05
644.74
644.39
644.05
643-69
643-28
642.91
642.50
642.04
641.63
641.09
640.46
639.76
638.99
638.18
637.21
636.20
635-13
633-93
632.67
631.28
629.81
628.23
626.54
624.74
622.79
620.66
618.41
615.87
613.16
6 1 o. 1 4
8 Years.
759-35
759-21
759-05
758.85
758.72
758.52
758.35
758.14
757-87
757-62
757-37
757-11
756.85
756.58
756.29
755-95
755-63
755-29
754-97
754-50
753-96
753-38
752-75
752.10
751-30
750.52
749-63
748.66
747.61
746.47
745-25
743-91
742.53
741-03
739-37
737-53
735-62
733-47
731.11
728.50
9 Years.
876.77
876.74
876.62
876.52
876.45
876.36
876.24
876.14
875-97
875-80
875-74
875-58
875-38
875.26
875-03
874.88
874-70
874.46
874.29
873-95
873-63
873-31
872.87
872.51
872.02
871-53
871.01
870.40
869.78
869.05
868.30
867.46
866. S9
865.68
86i.59
863.46
862.22
860.84
85939
85769
10 Years.
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
U3
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
MEAN RESERVES.
LIFE PAID-UP IN 20 YEARS.
Age.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
21
9-95
23.29
37-18
51-63
66.67
22
10.05
23.71
37-93
52.74
68.15
^Z
10.14
24.14
38.71
53-88
69.66
24
10.24
24-59
39-52
55-05
71.22
25
10.34
25-05
40.34
56.26
72.82
26
10.44
25-52
41.20
57-5^
74-47
^7
10.54
25-99
42.06
58.78
76.17
28
10.64
26.48
42.95
60.09
77.90
29
10.73
26.98
43-87
61.43
79.69
30
10.83
27-49
44.81
62.81
81.54
31
10.93
28.02
45-78
64.25
83-45
32
11.03
28.56
46.79
65-73
85-44
33
II. 13
29.12
47.82
67.27
87-50
34
II. 21
29.69
48.90
68.87
89-65
35
11.30
30.28
50.01
70.53
91.88
36
11-39
30.90
51-19
72.28
94.22
Z7
11.47
31-53
52-39
74.10
96.67
38
11-55
32.20
53-67
76.00
99-^3
39
11.62
32.89
55-OI
78.00
101.88
40
11.69
33-62
56.40
80.05
104.56
41
11.76
34-36
57-82
82.11
107.21
42
11.84
35-12
59.22
84-13
109.82
43
11.94
35-89
60.62
86.10
112.35
44
12.07
36.66
61.99
88.05
114.86
45
12.22
37-42
63-32
89-95
117-34
46
12.41
38.20
64.68
91.90
119.86
47
12.61
38.99
66.07
93-87
122.40
48
12.82
39.82
67.49
95-85
124.94
49
13-05
40.65
68.91
97-85
127.50
50
13-30
41-51
70.36
99.87
130.07
51
13-58
42.40
71.84
101.93
132.68
52
13.88
43-32
7336
104.04
135-35
53
14.22
44-28
74-94
106.19
138.07
54
14-57
45-29
76.55
108.40
140.86
55
14.98
46.34
78.23
110.69
143-72
[44
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
MEAN RESERVES.
LIFE PAID-UP IN 20 YEARS.
Age. 6 Years. 7 Years. 8 Years. 9 Years. 10 Years.
21 82.34 98.65 115.64 133.33 15176
22 84.19 100.89 118.28 136.39 155-26
23 86.09 103.19 121.00 139-54 158.84
24 88.05 105-56 123.79 142.77 162.54
25 90.06 107.99 126.67 146.11 166.35
26 92.13 110.50 129.62 149.54 170.28
^7 94.25 113.07 132.67 153.07 174.31
28 96.43 115.72 135.80 156.71 178.49
29 98.69 118.47 139.05 160.48 182.82
30 101.02 121.29 142.40 164.39 187.30
31 103.43 124.23 145.86 168.45 191-96
32 105.95 127.29 149-51 172.67 196.81
33 108.55 130.46 153.29 177-06 201.84
34 1 1 1.27 133-78 157-22 181.63 206.99
35 114.10 137-23 161.31 186.37 212.39
36 117.07 140.85 165.56 191.22 217.84
37 120.16 144.57 169.90 196-15 223.33
38 123.36 148.39 174-31 201.13 228.86
39 126.63 152.25 178.74 206.10 234.37
40 129.90 156.09 183.13 211.03 239.86
41 133-13 159-87 187.45 215.91 245.30
42 136.29 163.58 191.71 220.74 250.69
43 139.39 167.24 195.93 225.50 255.99
44 142.46 170.87 200.12 230.24 261.28
45 145.51 174.47 204.26 234.92 266.51
46 148.58 178.09 208.42 239.61 271.74
47 151.66 181.71 212.57 244.31 276.96
48 154.75 185.34 216.74 248.98 282.15
49 157.87 188.97 220.89 253.66 287.35
50 160.98 192.63 225.07 258.36 292.55
51 164.13 196.31 229.27 263.06 297.72
52 167.34 200.05 233.52 267.76 302.84
53 170.61 203.84 237.78 272.45 307.91
54 173.94 207.66 242.02 277.08 312.89
55 177.31 211.48 246.24 281.65 317-74
145
4%
MODIFIED PRELIMINARY TERM.
MEAN RESERVES.
LIFE PAID-UP IN 20 YEARS.
Actuaries'
Age.
II Years.
12 Years.
13 Years.
14 Years.
15 Years.
21
170.97
190.98
211.83
2ZZ-S7
256.25
22
174.91
195-38
216.72
238.98
262.20
23
178.95
199.91
221.77
244.56
268.33
24
183.14
204.61
226.98
250.32
274.67
25
187.44
209.42
232-35
256.26
281.21
26
191.88
214.41
237.90
262.41
287.98
27
196.46
219-55
243-63
268.75
294.97
28
201.20
224.86
249-55
275-31
302.20
29
206.10
230.38
255-70
282.12
309.67
30
211. 19
236.09
262.07
289.14
317-33
31
216.47
242.02
268.65
296.36
325-17
32
221.96
248.15
275-40
303-73
333-15
33
227.63
254-44
282.30
311.22
341-23
34
233-45
260.86
289.30
318.80
349-40
35
239-39
267.38
296.39
326.47
357-67
36
245.40
273-93
303-51
334.18
365-99
37
251-45
280.55
310.71
341.96
374-37
38
257-52
287.19
317.92
349-75
382.77
39
263.60
293-84
325-14
357-56
391.18
40
269.65
300.46
332-33
365-34
399-57
41
275-65
307.02
339-47
373-08
407.94
42
281.60
313-53
346.55
380.76
416.24
43
287.46
319-95
353-56
388.36
424.48
44
293.29
326.36
360.54
395-94
432.69
45
299.09
332.70
367-45
403-45
440.82
46
304.84
33901
374-34
410.93
448.90
47
310.59
345-31
381.19
418.34
456.88
48
316.32
351-57
387-97
425.64
464.72
49
322.04
357-78
394.66
432.81
472-42
50
327.71
363.90
401.23
439-84
479-92
51
333-30
369.91
407.66
446.70
487.23
52
338-83
375-81
413-93
453-35
494-30
53
344.26
381-58
420.03
459-80
501. II
54
349-55
387.17
42591
465-97
507-64
55
354-71
392-59
431-56
471-88
513-86
146
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
MEAN RESERVES.
LIFE PAID-UP IN 20 YEARS.
Age.
16 Years.
17 Years.
18 Years.
21
279.91
304.61
330.40
22
286.42
311.71
338.12
23
293-14
319-05
346.11
24
300.09
326.63
354.36
25
307.26
334-47
362.89
26
314.69
342.58
371.69
^7
2>^2-Z':>
350.91
380.70
28
330.24
359-48
389-93
29
ZZ^-Z7
368.25
399-35
30
346.67
377-18
408.93
31
355-12
386.25
418.64
Z^
z^z-y^^
395-48
428.52
33
372.38
404.78
438.50
34
381.19
414.22
448.60
35
390.08
423.76
458.81
469.07
36
399.02
433-34
T^l
408.02
443-00
479-43
38
417-05
452.70
489.84
39
426.10
462.42
500.27
40
435-14
472.14
510.73
41
444.15
481.85
521.19
42
453-11
491-52
531.63
43
462.03
501.16
542.04
44
470.91
510.75
552.38
45
479.69
520.22
562.62
46
488.39
529-60
572.75
47
496.98
538.85
582.75
48
505.40
547-89
592.56
49
513.66
556.78
602.17
50
521.70
565-45
611.56
51
529.51
573-85
620.69
52
537.05
581.98
629.56
53
544.31
589-81
638.14
54
551-27
597-33
646.40
55
557-90
604.51
65434
19 Years. 20 Years.
y:,7-lA 385-50
365-72 394-57
374.39 403.95
383.35 413-62
392.57 423-55
402.06 433-72
411.75 444.11
421.64 454-68
431-73 46545
441.96 476.39
452.36 487.51
462.93 498.79
473.60 510.21
484.41 521.76
495-33 533-44
506.33 545-24
517.42 557.13
528.59 569.12
539.80 581.20
551-07 593-35
562.36 605.54
573.63 617.73
584.87 629.91
596.06 642.06
607.15 654.14
618.14 666.14
629.02 678.06
639.71 689.81
650.20 701.42
660.50 712.88
670.56 724.16
680.40 7ZSV
689.97 746.17
699.25 756.86
708.23 767.32
M7
4%
Actuaries'
Age. I
Year.
2 Years.
21
14.07
31-73
22
14.24
32.30
23
14.42
32.90
24
14.60
33-51
25
14.78
34- U
26
14.96
34-78
27
15-15
35-44
28
15-35
36.12
29
15-54
36.81
30
15-73
37-52
31
15-92
38.24
32
16. 1 1
38.98
33
16.31
39-75
34
16.50
40.53
35
16.69
41.32
36
16.87
42.15
Z7
17.06
43.00
38
17-25
43-87
39
17.42
44-79
40
17.60
45-73
41
17.77
46.70
42
17.96
47.68
43
18.16
48.66
44
18.40
49.65
45
18.6 s
50.63
46
i8.9i
51.61
47
19.23
52.59
48
19-53
53-6o
49
19-83
54.60
50
20.15
55 -60
51
20.48
56.60
52
20.82
57-62
53
21.19
58.65
54
21-55
59-69
55
2 1 .(/)
60.75
56
22.^9
61.84
57
22.83
62.96
58
23-3"i
64.10
59
23-84
65.26
60
24-45
66.46
MODIFIED PRELIMINARY TERM.
MEAN RESERVES.
LIFE PAID-UP IN 15 YEARS.
3 Years.
50.13
51-13
52.16
53-22
54-31
55-44
56.58
57-77
58.98
60.22
61.49
62.81
64.17
65-56
66.99
68.49
70.03
71-63
73-31
75-04
76.80
78.55
80.29
82.0T
83.68
85-36
87-05
88.76
90.45
92.13
93.80
95-49
97.18
98.87
100.59
102.34
104.10
105.84
107.56
109.28
4 Years.
5 Years.
69.32
89-33
70.76
91.23
72.25
93-19
iz-n
95.20
75-34
97.27
76.97
99.41
78.62
I or. 60
80.34
103-85
82.08
106.16
83-87
108.54
85-73
110.99
87.64
113.52
89.61
116.15
91.65
118.86
93-75
121.66
95-95
124.58
98.22
127.62
100.58
130.77
103-05
134.02
105.57
137-31
108.09
140.58
110.60
143-83
113.06
147.00
115-49
150.14
117.86
153-24
120.26
156.34
122.66
159.J6
125.05 '
162.56
127.43
165.63
129.79
168.67
132.14
171.70
134-50
174-72
T 36.84
177. 7 2
139.18
180.72
141-55
183.72
143-93
186.69
146.29
189.60
148.57
192.39
150.81
195.09
152.99
197.69
148
4%
MODIFIED PRELIMINARY TERM.
MEAN RESERVES.
LIFE PAID-UP IN 15 YEARS.
Actuaries'
Age.
6 Years.
7 Years.
8 Years.
9 Years.
10 Years.
21
no. 21
132.00
154.72
178.43
203.18
2,2
112.58
134-86
158.10
182.35
207.66
23
115-03
137.82
16159
186.39
212.27
24
117-55
140.85
165.16
190.54
217.02
25
120.14
143-98
168.86
194.82
221.92
26
122.81
147.21
172.67
199.24
226.97
^7
125.55
150.52
176.58
203.78
232.17
28
128.37
. 153-94
180.63
208.48
^Zl-^:^^
29
131.27
157-46
184.78
213-31
243.11
30
134.26
161.08
189.08
218.31
248.84
31
137-34
164.82
193.51
223.47
254-77
32
140.53
168.70
198.10
228.82
260.92
33
143-83
172.71
202.87
234.36
267.27
34
147.25
176.88
207.80
240.10
273.82
35
150.78
181. 17
212.90
246.01
280.53
36
154-47
185.66
218.18
252.08
287.39
Zl
158.29
190.27
223.58
258.25
294-34
38
162.23
194.98
229.05
264.49
301.34
39
166.25
199.76
234.58
270.76
308.38
40
170.29
204.54
240.10
277.03
315-45
41
174-30
209.27
245.57
283.29
322.51
42
178.26
213.96
251.02
289.53
329-56
43
182.16
218.61
256.44
295.73
336.58
44
186.03
223.24
261.84
301.92
343.58
^1
189.87
227.83
267.19
308.05
350.56
46
193.70
232.41
272.52
314.18
357-51
47
197-53
236.95
277.83
320.28
364-45
48
201.34
241.49
283.12
326.34
371-31
49
205.11
245.98
288.34
332.35
378.16
50
208.85
250.43
293.53
338.31
384.92
51
212.55
254.82
298.66
344.20
391.60
52
216.25
259.23
303.77
350-02
398.17
53
219.93
263.58
308.80
Z^^-7Z
404.60
54
223.58
267.86
313-70
361.29
41084
55
227.19
272.06
318.49
366.67
416.88
56
230.72
276.13
323.10
371.86
422.69
57
234-14
280.06
327-54
376.83
428.22
58
237-41
283.79
331-73
381-49
43341
59
240.54
287.34
335-68
385-86
438.28
rx)
243-53
290.68
339-36
389.93
442.82
149
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
MEAN RESERVES.
LIFE PAID-UP IN 15 YEARS.
Age.
7.1 Years,
21
229.02
22
234.08
2Z
239.29
24
244.67
25
250.22
26
255-94
27
261.83
28
267.95
29
274.24
30
280.75
31
287.47
32
294.45
33
301.64
34
309.00
35
316.51
36
324.16
37
331-89
38
339-68
39
347-52
40
355-43
41
363-32
42
371-23
43
379.10
44
386.97
45
394-83
46
402.66
47
410.46
48
418.22
49
425.96
50
433-57
51
441-08
52
448.46
53
455-67
54
462.66
55
469.43
56
475-92
57
482.11
58
487-94
59
493-43
60
498.55
12 Years. 13 Years. 14 Years. 15 Years.
256.00 284.17 313.61 344.39
261.66 290.48 320.61 352.09
267.51 297.00 327.81 360.03
27355 303-72 335-25 368.24
279.76 310.66 342.96 376.73
286.20 317.83 350.91 385.51
292.83 325.23 359.11 394.57
299-70 332.89 367-62 403-96
306.78 340.80 376.39 413.62
314.10 348.98 385.44 423.55
321.66 357.40 394.73 433.72
329.48 366.06 404-25 444-11
337-49 374-91 413-95 454-69
345.68 383.93 423.82 465.46
353-99 393-07 433-83 476-39
362.44 402.35 444.00 487-51
370.99 411.77 454.33 498.79
379.61 421.26 464.74 510.20
388.32 430.86 475.29 521.76
397.08 440.53 485.92 533.44
405.85 450.23 496.62 545.23
414.65 459-98 507-41 557-13
423-43 469-74 518.23 569.12
432.24 479.55 529.11 581.20
441.02 489-34 540.02 593-34
449.80 499.16 550.97 605.54
458.56 508.96 561.91 617.73
467.28 518.71 572.80 629.92
475-95 528.40 583.64 642.07
484.49 537.96 594.36 654.15
492.89 547.39 604.97 666.14
501.17 556.68 615.44 678.05
509.25 565.78 625.75 689.80
517.11 574.63 635.82 701.42
524.72 583.25 645.69 712.88
532.02 591.56 655.29 724.15
539.02 599.60 664,67 735.28
545.64 607.26 673.71 746.17
551.93 614.60 682.46 756.86
557.83 621.54 690.87 767.32
ISO
4%
MODIFIED PRELIMINARY TERM,
MEAN RESERVES.
LIFE PAID-UP IN 10 YEARS.
Actuaries
Age.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
Ji
22.57
49-14
76.89
105.87
136.15
22
22.91
50.05
78.40
108.02
138.96
-'3
2325
50.99
79.96
110.22
141.84
^4
23.60
51-95
81.57
112.50
144.81
25
23.96
52-95
83.22
114.84
147.88
26
24-34
53-98
84.94
117.27
151.04
27
24.71
55-03
86.68
119-75
154.30
28
25.10
56.10
88.48
122.31
157-65
29
2549
57-21
90.34
124.94
161.09
30
25.89
58.35
92.24
127.64
164.64
31
26.31
59-52
94.20
130.44
168.31
32
26.72
60.71
96.22
133-31
172.08
33
27.14
61-95
98.30
136.28
175-99
34
27-57
63.21
100.44
139-35
180.02
35
27.99
64.49
102.63
142.49
184.16
36
28.42
65.82
104.90
145-75
188.46
Z7
28.85
67.18
107.23
149. 1 1
192.91
38
29.29
68.58
109.64
152.59
197.49
39
29-73
70.03
112. 16
156.20
202.24
40
30.18
71-53
114.74
159.89
207.05
41
30.62
73-05
117-37
163.63
211.90
42
31.09
74.61
120.02
167.38
216.77
43
31-57
76.19
122.69
171. 13
221.63
44
32.10
77-78
125-35
174.88
226.50
45
32.64
79-36
127.97
178.58
231-34
46
33-23
80.97
130.62
182.33
236.24
47
33-81
82.56
133-27
186.09
241.14
48
34-40
84.17
135-94
189.84
246.04
49
34-99
85-78
138-59
193-58
250.91
50
35-60
87.38
141.23
197.30
255-77
51
36.20
88.97
143-84
200.97
260.58
52
36.81
90-56
146.45
204.65
265.38
53
37-43
92.14
149-03
208.28
270.12
54
38.04
93-71
151-58
211.87
274.84
55
38.67
95.26
154.10
215.42
279.48
56
39-31
96.82
156.62
218.94
284.05
57
39-94
98.36
159.10
222.^8
288.49
S"^
40-59
99.88
161.49
225.68
292.75
5')
41.26
101.^8
163.81
228.85
296.84
60
41-99
102.85
166.05
231.88
300.74
151
lirtf MODIFIED PRELIMINARY TERM.
iltOfl MEAN RESERVES.
~ /^ LIFE PAID-UP IN 10 YEARS.
Actuaries'
Age.
6 Years.
7 Years.
8 Years.
9 Years.
10 Years.
21
167.79
200. 87
235.44
271.58
309.3'^
22
171.28
205.07
240.39
277-33
315-96
23
174.88
209.41
245-51
283.25
322.73
24
178.5^.
21^.88
250.77
289.36
32972
25
182.40
218.48
256.21
295.66
336.94
26
186.34
223.24
261.81
302.17
34440
27
190.40
228.14
267.61
308.89
352.09
28
194-57
233-18
273.57
315-81
360.03
29
198.88
238.39
279.71
322.96
368.24
30
203.31
243-75
. 286.06
330.34
37(^72
31
207.90
249-31
292.63
338.00
385.51
32
212.63
255-04
299.41
345-89
394.57
33
217.52
260.97
306.44
354-06
403.95
34
222.57
267.09
313-69
362.51
413.63
35
227.76
273-40
321.17
371.18
423.54
36
233.16
279.94
328.88
380.10
43372
^l
238.73
286.67
336.80
389-24
444.11
38
244.46
293-55
344.87
398-54
454.68
39
250.34
300.60
353-"
408.02
465-47
40
256.28
307-70
361.41
417-58
476.39
41
262.28
314-86
369.81
427.29
487.51
42
268.28
322.05
378.26
437-11
498.79
43
274.30
329-30
386.82
447-04
510.20
44
280.36
336-62
395-46
457-09
521.77
4|
286.39
343-92
404. TO
467.18
533-43
46
292.50
351-30
412.84
477-39
545-24
47
298.60
358.67
421.59
487.65
557-14
48
304.71
366.07
430.39
497-96
569-13
49
310.79
373-45
439-18
508.30
581.20
50
316.87
380.84
448.01
518.71
593.36
51
322.88
388.17
456.79
529.09
605.53
52
328.90
395-51
465-57
539-47
617-73
53
334.85
402. 7(;
474.29
549.81
629.91
54
340.77
409.99
482.93
560.08
642.06
55
346.58
417-09
491-45
570.23
654.14
56
352.28
424.02
499.79
580.24
666.14
57
357.81
430.79
507-99
590.13
678.05
58
363.^3
437-32
515.95
599-78
689.80
|9
36S.25
443-63
523.66
609.22
701-43
60
373.^3
449-71
531-08
618.41
712.88
15-
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
MEAN RESERVES.
ENDOWMENT IN 20 YEARS.
Age. I Year. 2 Years. 3 Years.
21 28.05 60.35 94- 10
22 27.83 60.12 93-88
23 27.60 59.90 93.66
24 27.37 59.67 93.43
25 27.13 59.43 93.17
26 26.87 59-17 92.91
2y 26-60 58.90 92.64
28 26.33 58-62 92.36
29 26.04 58.33 92.08
30 25-75 58.04 91.77
31 25.44 57.74 91.47
32 25-12 57.44 91.18
33 24.75 57.09 90.89
34 24.45 56.82 90.61
35 24.10 56.50 90.35
36 23.73 56-21 90-12
37 23.36 55.92 89.91
38 22-98 55-64 89.74
39 22-59 55.39 89-62
40 22.19 55.15 89.53
41 21.78 54.92 89.52
42 21-39 54.70 89.44
43 21.00 54-50 89.28
44 20.66 54.29 89.15
45 20.33 54.08 89.00
46 20-05 5389 88.88
47 19.78 53.73 88.80
48 19-53 53.60 88-76
49 19.30 53.50 88-75
50 19-10 53.44 88.79
4 Years.
5 Years.
129.38
166.26
129.16
166.04
128.93
165.81
128.70
165.56
128.43
165.29
128.17
165.02
127.89
164.73
127.60
164.43
127.30
164.12
127.00
163-82
126.71
163.53
126-43
163.25
126.16
163.02
125.92
162.81
125.70
162.63
125.54
162.54
125.42
162.51
125.35
162.54
125.36
162-66
125.40
162.76
125.49
162-84
125.44
162.87
125.36
162.81
125.28
162.73
125.22
162.63
125.09
162-57
125.05
162.55
125.06
162.57
125.11
162.63
125.22
162.76
153
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
MEAN RESERVES.
ENDOWMENT IN 20 YEARS.
Age. 6 Years. 7 Years. 8 Years. 9 Years. 10 Years.
21 204.83 245.17 287.36 331.50 37770
22 204.60 244.93 287.11 331-25 377-44
23 204.35 244.67 286.85 330-96 377-14
24 204.10 244.40 286.56 330.68 376.85
25 203.82 244.11 286.26 330.36 376.51
26 203.54 243.82 285.95 330.04 376.18
27 203.24 243.49 285.61 329-68 375-80
28 202.92 243.17 285.28 329-34 375-44
29 202.61 242.86 284.96 329-01 375-14
30 202.30 242.55 284.64 328.71 374-85
31 202.01 242.26 284.36 328.44 374-6o
32 201.76 242.03 284.14 328.24 374.42
33 201.54 241.83 283.98 328.10 374.31
34 201.37 241.70 283.89 328.05 37427
35 201.25 241.63 283.88 328.08 374.29
36 201.22 241.67 283.95 328.15 374.33
37 201.28 241.78 284.08 328.24 374.36
38 201.38 241.92 284.21 328.33 374.37
39 201.54 242.06 284.32 328.37 374.31
40 201.68 242.20 284.38 328.34 374-20
41 201.76 242.23 284.35 Z^^-^Z 374-00
42 201.75 242.18 284.24 328.05 Z7Z-7^
43 201.68 242.07 284.07 327.80 373.37
44 201.58 241.94 283.87 327.50 372.97
45 201.47 241.78 283.64 327.18 372.54
46 201.39 241.65 283.44 326.87 372.11
47 201.30 241.54 283.25 326.59 371-70
48 201.35 241.50 283.13 326.33 371.33
49 201.39 241.50 283.04 326.16 371.02
50 201.51 241.57 283.04 326.05 Z70.77
154
4%
MODIFIED PRELIMINARY TERM.
MEAN RESERVES.
ENDOWMENT IN 20 YEARS.
Actuaries'
Age.
II Years.
12 Years.
13 Years.
14 Years.
15 Years.
21
426.07
476.70
529-75
585-33
643.58
22
42578
476.42
529-45
585-04
643.30
23
425.48
476.10
529-14
584-74
643.02
24
425.18
475.80
528.84
584.43
642.73
25
424.84
475-45
528.50
584.10
642.43
26
424.50
475-11
528.17
583.80
642.13
27
424.12
474.76
527-80
583.42
641.80
28
42378
474.40
527-47
583.13
641.52
29
42347
474.10
527-17
582.85
641.26
30
423.18
473-82
526.94
582.62
641.03
31
422.95
473-61
526.72
582.40
640.80
32
422.79
473-47
526.56
582.22
640.58
33
422.70
473-35
526.41
582.02
640.31
34
422.65
473.26
526.26
581.80
640.04
35
422.62
473-18
526.10
581.56
639.75
36
422.59
473-05
525-89
581.27
639.40
37
422.54
472.91
525-67
580.97
639.03
38
422.45
472-73
525-38
580.59
638.59
39
422.30
472.49
525-05
580.17
638.09
40
422.09
472.18
524.62
579.65
637.49
41
42179
471-77
524.11
579.04
636.81
42
421.42
471.27
52350
578.33
636.03
43
420.94
470.67
522.79
577.52
635.16
44
420.42
470.04
522.04
576.66
634.22
45
419.87
469.36
521.22
575.75
633.24
46
419.30
468.66
520.40
574.81
632.20
47
418.75
467.97
519-57
573.83
631.10
48
418.24
467.30
518.73
572.83
629.95
49
417.78
466.66
517-89
571.78
628.73
50
417-35
466.01
517.00
570.68
627.44
55
4%
MODIFIED PRELIMINARY TERM.
MEAN RESERVES.
ENDOWMENT IN 20 YEARS.
AcUu
iries'
Age.
16 Years.
17 Years.
18 Years.
19 Years.
20 Years.
21
704.()6
768.74
835-99
906.59
980.77
22
704.42
768.53
835-83
906.51
980.77
23
704-15
768.31
835-69
906.43
980.77
24
703-91
768.11
835-52
906.34
980.77
25
703.62
767.86
835-33
906.22
980.77
26
703-35
767-65
835-16
906.10
980.77
27
703.07,
767.39
834-96
905-99
980.77
28
' 702.80
767-15
834-76
905-89
980.77
29
702.57
766.94
834-59
905.76
980.77
30
702.33
766.71
834.40
905-65
980.77
31
702.09
766.45
834-17
905-51
980.77
32
701.83
766.21
83396
90536
980.77
33,
701-54
765.92
833-70
905.20
980.77
34
701.23
765-60
833-42
905.02
980.77
35
700.91
765.28
833-10
904.85
980.77
36
700.52
764-87
832.78
904.61
980.77
37
700. 1 1
764.46
832.42
904.39
900.77
38
6c)9.6i
763-97
832.02
904-13
980.77
39
r)()().o7
763-44
831-55
903-83
980.77
40
698.44
762.82
831.02
90350
980.77
41
697-73
762.13
830.44
903-13
980.77
42
696.91
761.35
829.78
902.70
980.77
43
696.03
760.51
829.07
902.26
980.77
44
695.07
759-60
828.29 •
901.77
980.77
45
694.05
758.60
827.44
901.23
980.77
46
692.95
757-53
826.52
900.65
980.77
47
691.78
756.38
825.53
900.02
980.77
48
690.54
755-15
824.48
899-34
980.77
49
689.22
753-85
^2^-33
898.59
980.77
50
687.82
752.44
822.08
897.78
980.77
156
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
MEAN RESERVES.
ENDOWMENT IN 15 YEARS.
Age.
21
22
22,
24
25
26
27
28
29
30
31
Z^
ZZ
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
Year.
43.80
43-58
43-34
43.10
42.85
42.58
42.30
42.01
41.71
41-39
41.06
40.71
40.35
39-97
39-57
39.16
38.73
38.28
37-81
37-33
36.84
35-88
35-43
34.98
34-57
34-17
33-77
33-37
32.98
32.61
32.26
31-94
31-63
31-36
31-13
30.92
30.77
30.69
30.71
Years.
92.60
92.37
92.14
91.89
91.63
91-35
91.06
90.76
90.44
90.11
89-76
89.40
89.02
88.63
88.23
87.83
87.41
87.00
86.60
86.21
85.82
85.42
85-02
84.61
84.17
83-74
83.30
82.87
82.43
82.00
81.59
81.19
80.81
80.47
80.16
79.90
79.71
79-56
79-47
79-45
3 Years.
143.66
143-42
143.18
142.92
142.65
142.37
142.07
141.76
141.41
141.06
140.69
140.32
139-93
139-53
139-14
138.74
138.35
137-99
137-65
137-34
137.02
136.67
136.29
135-86
135-38
134.90
134-41
133-93
133-42
132.92
132.42
131-94
131-49
131.06
130.68
130.37
130.11
129.89
129.69
129.54
4 Years.
197.07
196.83
196.58
196.32
196.03
195-74
195-43
195-II
194-75
194.38
193-99
193.60
193.20
192.81
192.41
192.03
191.68
191.36
191.08
190.83
190.53
190.18
189.77
189.29
188.74
188.20
187.64
187.07
186.46
185.88
185.27
184.68
184.12
183-57
183.06
182.66
182.27
181.89
181.50
181.15
Years.
252.96
2':>2.72>
252.47
252.19
251.91
251.61
251.28
250.93
250.57
250.19
249-78
249-38
248.98
248.58
248.19
247-83
247-52
247-24
247.01
246.76
246.44
246.06
245-58
245.02
244.41
243.76
243-14
242.46
241.74
241.03
240.30
239.58
238.87
238.19
237-56
236.97
236.37
235-75
235-10
234.48
157
H
MODIFIED PRELIMINARY TERM.
MEAN RESERVES.
^ ENDOWMENT IN 15 YEARS.
Age.
6 Years.
7 Years.
1
8 Years,
9 Years.
10 Years.
21
311-47
37^-72
436-85
504.01
574-38
22
311.22
372.47
436-60
503-78
574-17
23
310.97
372.21
436-35
503-53
573-93
24
310.68
371-91
436.05
503-24
573-65
25
310.39
371-64
435-77
502.94
573-36
26
310.08
371-30
435-43
502.64
573-08
27
309-74
370-95
435-09
502.29
572-73
28
309-38
370.60
434-73
501-94
572-41
29
309.01
370.22
434-34
501.55
572-05
30
308.61
369.81
433-95
501.18
571-71
31
308.20
369-39
433-52
500.78
571-33
32
307.80
368.99
433-13
500.41
570-99
33
307-39
368.60
432.76
500.04
570-64
34
307.00
368.22
432.39
499-70
570-33
35
306.62
367.86
432.07
499-41
570-03
36
306.29
367-57
431-78
499.11
569-73
37
306.02
367.30
431-50
498.81
569-39
38
305-76
366.99
431-17
498.48
569.01
39
305-52
366.76
430.89
498.08
568.55
40
305-25
366.44
430.49
497.60
568.03
41
304-89
366.00
429-97
497-03
567-42
42
304.42
365-45
429-35
496.36
566.73
43
303-87
364-83
428.66
495.60
565-91
44
30324
364-13
427.88
494-74
565-or
45
302.55
363-35
427.02
493.81
564.04
46
301-83
362.53
426.10
492.82
562.99
47
301.07
361-65
425.12
491-75
561.87
48
300.29
360.74
424.10
490.63
560.67
49
299.43
359-75
422.99
489.39
559-38
50
298.59
358-78
421.87
488.19
558-10
51
297.71
357-74
420.70
486.90
556-71
52
296.84
356-73
419-52
485-55
555-24
53
295-99
355-71
418.32
484-17
553-71
54
295-14
354-66
417-05
482.69
552-04
55
294.32
35360
415-74
481.13
550-28
56
293.44
352.45
414-35
479-47
548.41
57
292.63
351-34
412.89
477-71
546.38
58
291.72
350.11
411.31
475-79
544-07
59
290.77
348.81
409.61
473-71
541-78
60
289.80
347-44
407.81
471-50
539-23
4%
Actuaries
MODIFIED PRELIMINARY TERM.
MEAN RESERVES.
ENDOWMENT IN 15 YEARS.
Age.
II Years.
12 Years.
13 Years
21
648.14
725.44
806.51
22
<^>47-93
725.26
806.37
23
64771
725.07
806.23
24
647.46
724.87
806.07
25
647.20
724.63
805.89
26
646.94
724.42
805.73
27
646.63
724.17
805.53
28
646.33
723.91
805.34
29
646.01
723.63
805.12
30
645.69
723-35
804.94
31
645-34
723.07
804.72
32
645.04
722.80
804.51
33
644.76
722.55
804.30
34
644.45
722.27
804.06
35
644.14
721.97
803.82
36
64377
721.65
803.53
Z7
643.46
721.31
803.25
38
64305
720.90
802.89
39
642.56
720.44
802.51
40
642.05
719-95
802.08
41
641.41
719-35
801.59
42
640.72
718.68
801.02
43
639.91
717.92
800.39
44
639.00
717.11
799-74
45
638.04
716.19
798.97
46
636.98
715.21
798.18
47
635-85
714.16
797-31
48
634-65
713-04
796.38
49
63335
711.80
795.32
50
632.05
710.57
794-30
51
630.62
709.18
793.12
52
629.08
707.70
791.86
53
627.48
706.13
790.52
54
62571
704.41
789.02
55
623.85
702.57
787-43
56
621.83
700.56
785-67
57
619.63
698.38
78378
58
617.24
695.99
781.70
59
614.67
693-44
779-47
60
611.90
690.67
777.03
14 Years.
891.59
891.47
891.38
891.28
891.20
891.12
890.97
890.89
890.75
890.65
890.53
890.40
890.28
890.13
889.95
889.-79
889.61
889.37
889.14
888.87
888.54
888.21
887.82
887.41
886.95
886.47
885.92
885.34
884.69
884.04
883.31
882.49
881.65
880.66
879.65
878.51
877-30
875-94
874.50
873.90
15 Years.
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
159
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
MEAN RESERVES.
ENDOWMENT IN lo YEARS.
Age.
21
22
^2>
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
I Year.
76.35
76.12
75.88
75-63
75-38
75-12
74.84
74-55
74-24
73-92
73-58
73-22
72.85
72.45
72.03
71.59
71.12
70.63
70.11
69.58
69.03
68.48
67-93
67.40
66.88
66.38
65.87
65-35
64.83
64.30
63-78
63-25
62.73
62.20
61.68
61.18
60.68
60.20
59-77
59-39
2 Years.
159.26
159.02
158.75
158.52
158.27
158.00
157.71
157-41
157-09
156.75
156.39
156.02
155.63
155-21
154-76
15432
153-84
153-34
152.85
152.35
151.84
151-33
150.79
150.25
149.66
149.06
148.44
147.81
147.15
146.46
145.76
145-03
144.29
.143-54
142.77
142.01
141.26
140.48
139-73
138.95
3 Years.
246.05
245.81
245-57
245.31
245-05
244.78
244.49
244.19
243.85
243-50
243-14
242.76
242.36
241.93
241.47
241.02
240.54
240.05
239.60
239-13
238.65
238.14
237-58
236.99
236.28
235.61
234.90
234-15
233-34
232.50
231.62
230.71
229.75
228.78
227.77
226.76
225.75
224.65
223.54
222.34
4 Years.
5 Years.
336.92
432.08
336.69
431.88
336.45
431-65
336.19
431-39
335-95
431.16
335-67
430.90
335-39
430.62
335-09
430.33
334-74
430.00
334.38
429.64
33403
429.30
333-65
428.93
333-25
428.54
332.86
428.14
332.36
427.69
331-92
427.27
331-46
426.84
331.00
426.41
330.58
426.04
330.14
425-59
329.65
425.09
329.13
424-54
328.52
423.89
327.87
423-20
327.08
422.38
326.34
421.57
325.55
420.72
324.67
419.76
323-75
418.74
322.76
417.65
321-73
416.51
320.65
415.29
319-51
414.02
318.33
412.69
317-14
411.32
315-87
409.86
314.60
408.35
313.18
406.65
311.72
404.90
310.11
402.94
i6o
4%
Actuaries'
MODIFIED PRELIMINARY TERM.
MEAN RESERVES.
ENDOWMENT IN lo YEARS.
Age.
6 Years.
7 Years.
8 Years.
21
531-78
636.24
745-69
22
531-59
636.07
745-57
23
53138
635-88
745-43
24
531-13
635-66
745-25
25
530-93
635-50
745-14
26
530.69
635-29
744-97
27
530.43
63507
744-82
28
530.16
634-84
744-64
29
529-85
634.57
744.42
30
529-52
634.27
744.18
31
529.21
634.00
743-97
32
528.86
633.70
743-74
33
528.50
633-40
743-53
34
528.14
633.09
743-29
35
527-71
632.72
743-02
36
527.34
632.41
742.76
37
526.95
632.08
742.49
38
526.55
631.71
742.20
39
526.21
631.40
741.96
40
525-77
630.98
741-59
41
525-26
630.48
741-15
42
524-69
629.93
740.69
43
524.04
629.32
740.18
44
523-34
628.68
739-67
45
522.51
627.90
739-01
46
521.68
627.11
738-27
47
520.80
626.27
737-(^7
48
519.82
625.32
736.88
49
518.76
624.33
736.04
50
517-63
623.24
735-12
51
516.43
622.08
734-10
52
515-16
620.87
733-10
53
513-82
619-57
732.00
54
512.43
618.20
730.83
55
510.95
616.73
729-55
56
509-36
615-13
728.13
57
507.70
613-47
726.68
58
505-81
611.55
725.00
59
503.86
609.56
723.23
60
501.67
607.34
721.22
9 Years.
860.42
860.37
860.28
860.18
860.13
860.04
859.96
859-86
85970
859-56
859-45
859-34
859-19
859.07
858.89
858.74
858.59
858.41
858.29
858.02
857-74
857-46
857.12
856.83
856.42
856.04
855-63
855-11
854.60
854.01
85335
852.72
852.03
851-30
850.45
849-53
848.58
847.49
846.34
845.00
10 Years.
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
980.77
4%
Am. Ex.
SELECT AND ULTIMATE.
MEAN and TERMINAL RESERVES.
4%
Am. Ex.
163
SELECT AND ULTIMATE.
NET SINGLE PREMIUMS, LIFE.
Age. [x]. [x]+i. [x]+2.
20 240.84 247.51 253.62
21 244.90 251.76 258.01
22 249.12 256.15 262.57
~?) 253.52 260.72 267.33
24 258.09 265.46 272.28
25 262.83 270.41 277.41
26 2(S'j.'/7 275.52 282.73
27 272.89 280.86 288.27
28 278.23 286.41 294.04
29 283.76 292.15 300.01
30 289.51 298.13 306.22
31 295.47 304.34 312.68
32 301.68 310.77 319.34
ZZ 308.11 31746 326.29
34 31478 324-39 333-50
35 321-71 331-59 340.96
36 328.90 339.03 348.70
37 336.32 346.75 356.70
38 344-03 354-75 364-98
39 352.01 363.02 373.55
40 360.24 371.58 382.43
41 368.77 380.42 391.58
42 377-57 389-55 401.05
43 386.71 399-02 410.81
44 396.08 408.72 420.86
45 405-75 418.73 43^-22
46 415-72 429-04 441-85
47 425-95 439-63 452.76
48 436.45 450.45 463-92
49 447-19 461.56 475-30
50 458.15 472.86 486.91
51 469-35 484-37 498.75
52 480.75 4.96.12 510.76
53 492.36 508.04 522.96
54 504-12 520.13 535.33
55 516.06 532.37 547.81
56 528.14 544-74 560.42
57 540.32 557-20 573.14
58 552.60 569.80 585.91
59 564-98 582.41 598.74
60 577.40 595.09 611.59
61 58983 607.76 624.45
62 602.30 620.45 637.25
63 614.74 633.07 650.02
64 627.09 645.67 662.70
65 639.44 658.16 675.24
66 651.64 670.53 687.69
^7 ^(^2>-7?> 682.73 699.89
68 675.68 694.77 711-93
69 687.46 706.59 723.75
70 699.02 718.22 y2>S-ZZ
[x]+3.
[x]+4-
259-38
264.77
263.94
269.51
268.68
274-45
273.63
279.60
27877
284.92
284.10
290.48
289.63
296.22
295-38
302.21
301.39
308.44
307-59
314.88
314-04
321.57
320.73
328.53
327.67
335-73
334-89
343-21
342.35
350.96
350.09
358.96
358.10
367.27
366.41
375-87
37500
384-77
383-87
393-94
393-06
403-46
402.54
413-24
412.32
423-33
422.42
433-75
432.79
444-43
443.46
455-41
454-41
466.64
465.62
478.12
477-06
489.84
488.74
501.78
500.63
513-91
51273
526.24
525-00
538.72
537-44
551-34
550.02
564-13
562.74
577-01
575-56
589.96
588.42
602.95
601.38
616.01
614.36
629.04
627.31
6^.2.07
640.24
655-07
653-19
667.97
665.96
680.74
6'j'^.6(S
693-43
691.23
705.86
703.62
718.14
715-80
730.23
727.78
741.99
739-45
753-62
750.95
765.00
164
4%
Am. Ex.
SELECT AND ULTIMATE.
IMMEDIATE LIFE ANNUITIES DUE.
Age.
[X].
[X]+I.
[x]+2.
[x]+3.
W+.4.
20
19739
19-565
19.406
19-257
19.116
21
I9-633
19-454
19.292
19.138
18.992
22
19523
19-340
19-173
19.014
18.864
23
19.408
19.221
19.049
18.886
18.731
24
19.290
19.098
18.921
18.752
'?-59^
25
19.166
18.969
18.788
18.613
18.448
26
19.038
18.836
18.649
18.470
18.298
27
18.905
18.698
18.505
18.320
18.143
28
18.766
18.554
18.355
18.164
17.980
29
18.623
18.404
18.200
18.003
17.814
30
18.473
18.248
18.038
17-835
17.639
31
18.318
18.088
17.871
17.660
17-459
32
18.157
17.920
17.697
17.481
17.271
33
17.989
17.746
17-517
17.293
17.076
34
17.816
17-566
17.329
17.099
16.875
35
17.636
17-379
17-135
16.898
16.667
36
17.449
17.185
16.934
16.689
16.451
37
17.256
16.985
16.726
16.474
16.227
38
17-055
16.776
16.510
16.250
15.996
39
16.848
16.562
16.288
16.020
15-758
40
16.634
16.339
16.057
15.780
15-510
41
16.412
16.109
15.819
15-534
15-256
42
16.183
15.872
15-573
15.280
14-993
43
15.946
15.626
15-319
15.017
14-723
44
15703
15-373
15-057
14.748
14-445
45
15450
15-113
14.788
14.470
14-159
46
15.192
14-845
14.512
14.186
13.867
47
14.926
14-570
14.228
13-895
13-569
48
14.652
14.288
13-938
13-596
13.264
49
14-373
14.000
13.642
13-293
12.954
50
14.088
13.706
13-340
12.983
12.638
51
13-797
13.406
13033
12.669
12.318
52
13-501
13.101
12.720
12.350
11-993
53
13.198
12.791
12.403
12.027
11.665
54
12.893
12.477
12.082
11.699
11-333
55
12.582
12.159
11-757
11.369
10.998
56
12.268
11.837
11.429
11.036
10.661
57
1 1 -95 1
11.512
11.098
10.701
10.323
58
11.632
II. 186
10.766
10.364
9-984
59
II. 311
10.857
10.433
10.027
9-645
60
10.988
10.528
10.099
9.690
9.306
61
10.664
10.198
9765
9-353
8.969
62
10.340
9.869
9-431
9.018
8.633
63
10.017
9-540
9.100
8.685
8.300
64
9-695
9.213
8.770
8-355
7-972
65
9-375
8.888
8.444
8.028
7.647
66
9-057
8.567
8.121
7.706
7328
67
8743
8.249
7-803
7-389
7015
68
8.433
7-036
7.490
7-079
6.708
69
8.126
7.628
7-183
6.774
6.406
70
7.826
7.326
6.882
6.475
6.111
i65
m SELECT AND ULTIMATE.
ilfj(f\ TERMINAL RESERVES.
TT /^ ORDINARY LIFE.
Am. Ex.
Age.
0.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
-8.87
.00
7.7S
15-42
22.59
29.27
21
—9.18
.00
8.23
16.16
23.61
30.60
22
—9-35
.10
8.73
16.95
24.70
31-99
23
—9.40
•34
9.28
17.79
25-87
33-45
24
—9.46
•57
9.84
18.68
27.05
34.98
25
—9-53
•85
10.43
19.60
28.33
36.59
26
—9.61
1.08
11.02
20.53
29-63
38.27
27
—9.70
1-37
11.66
21.53
31.02
40.05
28
- —9.76
1.68
12.35
22.64
32-50
41.91
29
-9.87
1.97
13-04
23-73
34.01
43.86
30
-^9.96
2.30
13-79
24.91
35-62
45.91
31
—10.07
2.64
14.60
26.15
37-32
48.06
32
— 10.19
2.97
1537
27.42
39-08
50.32
33
— 10.30
3-35
16.24
28.80
40.96
52.68
34
—10.44
3-73
17.16
30.22
42.90
55.16
35
—10.58
4.14
18.10
31.70
44.92
57-76
36
—10.73
4-53
19.08
33^25
47-07
60.46
37
—10.94
4-95
20.11
34-90
49-31
63-3I
38
—II. 13
5-40
21.18
36.61
51-67
66.29
39
—11-34
5-85
22.28
38.39
54-11
69.43
40
—11-59
6.34
23-49
40.30
56.74
72.70
41
—11.87
6.81
24.70
42.28
59-43
76.13
42
—12.17
7-31
25-99
44.34
62.25
79-69
43
—12.45
7-85
27-33
46.50
65.20
83-38
44
—12.88
8.33
28.70
48.70
68.22
87.20
45
—13-30
8.83
30.12
50.99
71-38
91.12
46
—13-79
9-35
31-57
53-35
74-58
95-12
47
—14-35
9.84
3305
55-74
77-85
99-21
48
—14.98
10.25
34-50
58.18
81.18
103.36
49
-15-71
10.67
35-94
60.64
^oi-^^
107.60
50
—16.59
II.OI
37-40
63.12
88.03
II 1.92
51
—17.49
11.29
38.84
65-67
91-57
116.34
52
—18.55
11.60
40.32
68.26
95.16
120.83
53
—19.66
11.81
41-79
70.87
98.81
125.41
54
—20.97
11.98
43-27
73-55
102.58
130.07
55
—22.36
12.09
44-71
76.25
106.38
134.81
56
—23.90
12.12
46.16
78.98
110.25
139.61
57
—25.62
12.06
47-59
81.71
114.13
144.47
58
-27-51
11-93
48.96
84.49
118.09
149-38
59
— 29.61
11.67
50.32
87-25
122.04
154.32
60
—31.90
11.30
51-59
89.98
126.03
159.30
61
—34-44
10.77
52.84
92.71
130.04
164.28
62
-37-18
10.14
53^99
95-48
13407
169.24
5^
—40.23
932
55-04
98.10
138.01
174.17
64
—43.61
8.33
55-99
100.70
141.96
179.00
65
—47-25
7.13
56-78
103.20
145-74
183.74
i66
m SELECT AND ULTIMATE.
fjOfk TERMINAL RESERVES.
■ /^ TWENTY PAYMENT LIFE.
Am, Ex.
Age.
0.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
—9.09
6.11
20.86
35-46
49-91
64-25
21
-9.1C
6.39
21.41
36-33
51.12
65.81
22
—9.21
6.64
22.00
37-24
52-39
67-43
23
— 9.26
6-93
22.63
38.22
53-72
69.12
24
—9-32
7.20
23.27
39-23
55-08
70.87
25
—9.40
7-51
23-93
40.26
56.52
72.69
26
—9-48
7.78
24-59
41-31
57.96
74-57
27
—9-55
8.11
25-31
42.42
59-51
76-53
28
—9.61
8.45
26.06
43-63
61.12
78.57
29
—9.72
8-77
26.80
44-79
62.74
80.66
30
-9-8i
913
27.61
46.06
64.47
82.84
31
—9.92
9.48
28.44
47-34
66.23
85.11
32
— 10.04
9.82
29.25
48.66
68.05
87-44
33
—10.15
10.21
30.13
50.06
69.97
89.86
34
—10.28
10.60
31.07
51-50
71-95
92-36
35
— 10.41
11.02
32.01
52.98
73-96
94-95
36
—10.58
11.40
32-97
54-49
76.04
97-61
37
— 10.76
11.79
33-95
56-09
78.22
100.37
38
—10.95
12.23
34.98
57-73
80.48
103.22
39
—II. 14
12.66
36.01
59-40
82.78
106.17
40
— 11.42
13.07
37-11
61.16
85-20
109.20
41.
—11.68
13-50
38.22
62.96
87-67
112.34
42
—11.99
13-93
39-37
64-79
90.19
115-55
43
—12.28
14-39
40.56
66.73
92.82
118.84
44
— 12.67
14.79
41-73
68.65
95-49
122.18
45
—13. II
15-21
42.94
70.62
98.21
125-56
46
-13-58
15-56
44-15
72.63
100.89
128.94
47
—14-15
15.96
45-34
74-61
103.63
132.34
48
—14.78
16.24
46-51
76-58
106.37
135-74
49
—15-50
16.48
47.64
78-55
109.09
139-13
50
-16.38
16.62
48.72
80.48
1 1 1.80
142.53
51
—17.28
16.73
49.82
82.45
114-55
145-93
52
—18.32
16.85
50.86
84.40
117.28
149-33
53
-19-45
16.85
51-89
86.33
119.99
152-74
54
—20.74
16.78
52.88
88.26
122.76
156.14
55
— 22.11
16.64
53-83
90.21
125.53
159-55
i67
4%
Am. Ex.
SELECT AND ULTIMATE.
TERMINAL RESERVES.
FIFTEEN PAYMENT LIFE.
Age.
0.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
JO
—8.99
TO.18
29.08
48.03
67-05
86.18
21
—9-05
10.53
29-77
49.10
68.53
88.10
22
—9. 1 1
10.84
30.48
50.23
70.08
90.09
23
—9.16
11.20
31-25
51-42
71.72
92.15
24
—9-23
11-53
32-03
52-64
73-37
94.30
25
—9-30
11.91
32.85
53-90
75-13
^o'i^
26
-9.36
12.29
33-68
55-21
76.92
98.83
27
—9.44
12.68
34-55
56.56
78.79
101.22
28
—9-50
13.10
35-47
58.02
80.76
103.70
29
— 9.62
13-51
36.39
59-45
82.74
106.27
30
—9.70
13-95
37-36
60.98
84.83
108.93
31
—9.80
14-39
38.38
62.56
86.98
1 1 1.69
32
—9.91
14-84
39-38
64.16
89.21
114.53
33
—10.02
15-33
40.47
65.87
91-53
117.47
34
— 10.15
15.80
41.60
67.60
93-91
120.51
35
—10.31
16.30
42.71
69.38
96-33
123.64
36
—10.43
16.80
43-90
71.23
98.88
126.86
?>7
—10.62
17.30
45-08
73-14
101.48
130.19
38
—10.82
17-83
46.31
75-09
104.19
133.61
39
— 11.02
18.38
47-56
77-09
106.94
137.14
40
— 11.25
18.89
48.90
79-18
109.81
140.77
41
—"•53
19-43
50.21
81.31
112.74
144.50
42
— 11.81
19.99
51.60
83-49
115-72
148.30
43
— 12.10
20.54
52.99
85-75
1 18.81
152.18
44
—12.49
21.05
54-38
88.00
121.91
1 56. 1 1
45
—12.93
21-57
55-82
90.30
125.07
160.07
46
-13-39
22.03
57.20
92.61
128.21
164.03
47
-13-94
22.51
58.60
94.91
131.37
167.99
48
—14.56
22.87
59-95
97.16
134.50
171-93
49
—15.28
23.24
61.25
99-40
137.61
175-83
50
— t6.ii
23-49
62.52
101.60
140.69
179.70
5t
— 17.01
23.67
63-73
103.77
143-73
183.54
52
—18.02
2383
64.90
105.90
146.72
187.31
53
— 19.15
23.87
66.01
107.97
149.65
191.03
54
—20.37
23-87
67.09
110.03
152.61
194.67
55
—21.74
23-74
68.05
112.02
155-44
198.23
56
-23.26
23-52
68.95
1 13.91
1 58.20
201.68
57
—24.94
23.18
69-79
115-73
160.87
205.04
58
—26.82
22.73
70-49
117.49
163-47
208.27
59
—28.89
22.10
71.10
1 19.12
165.90
211.36
60
—31.16
21.36
71-57
120.62
168.26
214.30
i68
m SELECT AND ULTIMATE.
lLQf\ TERMINAL RESERVES.
~ /^ TEN PAYMENT LIFE.
Am. Ex.
Age.
0.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
-8.85
18.52
45-99
73-91
102.36
131 -41
21
—8.90
18.99
46.95
75-41
104.42
134.06
22
—8.96
19.46
47-95
76.98
106.57
136.82
23
— 9.00
19.96
49-02
78.62
108.83
139.69
24
— 9-05
20.46
50.12
80.33
III. 13
142.66
25
— 9.11
21.00
51.26
82.08
113.57
145-75
26
—9.18
21.52
52.42
83-89
116.04
148.94
27
—9.26
22.10
53.63
85-77
118.64
152.28
28
—9-31
22.70
54.92
87-78
121.35
155-73
29
—941
23.29
56.21
89.80
124.13
159-29
30
—9-50
23.92
57-57
91.92
127.02
162.99
31
—9-59
24-57
59.00
94.09
130.03
166.81
32
—9.68
25-23
60.41
96.35
133.13
170.80
33
—9.80
25-93
61.92
98.72
136.34
174.90
34
—9.91
26.62
6350
101.12
139.66
179-13
35
— 10.04
27.36
65.09
103.62
143-05
183-51
36
— 10.17
28.09
66.73
106.18
146.59
188.01
37
—10.35
28.85
68.41
108.8s
150.23
192.66
38
—10.52
29.63
70.16
III. 58
153-99
197-45
39
—10.72
30.42
71.91
114.37
157.82
202.39
40
—10.95
31.22
73-77
117.27
161.81
207.46
41
—II. 18
32.03
75-65
120.25
165.88
212.67
42
-11-45
32.85
77-58
123.29
170.05
217.99
43
—11-75
33-70
79-53
126.41
174.33
223.43
44
— 12.10
34.49
81.51
129-55
178.66
228.96
45
—12.49
35.31
8353
132.76
183.08
234-56
46
—12.94
36.10
85.55
136.00
187.51
240.20
47
—13.46
36.88
87.56
139-24
191.97
245-87
48
—14.05
37.57
89.53
142.46
196.44
251.52
49
—14.72
38.24
91.46
145-66
200.88
257-23
50
—15-51
38.81
93-34
148.81
205.30
262.89
51
—16.37
39.33
95.21
151-97
209.71
268.52
52
—17.32
39.81
97.00
155.06
214.04
274.10
53
—18.39
40.18
98.72
158.08
218.31
279.61
54
— 19.56
40.48
100.39
161.05
222.56
285.03
55
—20.85
40.68
101.95
163.94
226.69
290.33
56
— 22.30
40.75
103.39
166.69
230.67
295.49
57
—23.90
40.69
104.76
169.32
234.51
300.49
58
—25.67
40.51
105.96
171.83
238.23
305.29
59
— 27.62
40.16
107.02
174.18
241.70
309.87
60
—29.76
39.66
107.89
176.32
245.01
314.20
61
— 32.16
38.91
108.60
178.24
248.06
318.25
62
—34-74
38.01
109.10
180.03
250.89
32T.97
63
-37.62
36.87
109.35
181.46
.253-36
32534
64
-40.85
3546
109.36
182.64
255-56
328.28
65
—44-31
33-79
109.09
183-53
257-30
330.77
1 69
m SELECT AND ULTIMATE.
ILQfk TERMINAL RESERVES.
" /t/ TWENTY YEAR ENDOWMENT.
Am. Ex.
Age.
0.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
-8.70
~S-7~
60.58
ij(K2i)
132.85
170.44
21
-8.77
25.72
60.57
96.24
132.81
170.42
22
—8.86
25.67
60.51
96.20
132.82
170.41
23
—8.89
25.64
60.53
96.21
132.81
170.40
24
-8.95
25.60
60.50
96.20
132.81
170.40
25
—9.02
25-53
60.47
96.19
132.81
170.40
26
—9.09
25-51
60.44
96.17
132.81
170.40
27
—9.18
25-47
60.43
96.16
132.79
170.41
28
-9.26
25.41
60.40
96.21
132.82
170.43
29
-9.36
25-34
60.35
96.18
132.84
170.44
30
—9.46
25.29
60.37
96.20
132.85
170.48
31
— 9.60
25.26
60.36
96.20
132.93
170.53
32
—9.71
25.16
60.35
96.24
132.96
170.58
33
—9.81
25.12
60.34
96.28
13301
1 70.66
34
—9-95
25.09
60.38
96.35
133-12
170.76
35
— 10.09
25.04
60.36
96.40
133.20
170.88
36
— 10.26
24-95
60.38
96-45
133-31
171.02
37
—10.44
24.87
60.40
96.58
133-48
171.20
38
—10.65
24.81
60.43
96.69
133-66
171.42
39
—10.85
24-75
60.47
96.84
133-88
171.69
40
—II. 13
24.66
60.54
97-03
134-17
172.01
41
—11-37
24-59
60.64
97.26
134-50
172.40
42
—11.68
24-51
60.74
97-48
134-83
172.83
43
—11.99
24-45
60.87
97.81
135-26
173-31
44
-12.^8
24.32
60.98
98.12
135-72
173-84
45
-12.83
24.21
61.12
98-45
136.23
174.39
46
—13-32
24.05
61.26
98.84
136.70
174.96
47
—13.89
23-92
61.39
99.19
137-23
175.55
48
—14-52
23-71
61.51
99-57
137.81
176.15
49
— 15.26
23-41
61.61
99-95
138.36
176.78
50
— 16.12
23.06
61.68
100.32
138.94
177.46
51
—17-05
22.66
61.74
100.74
139.56
178.18
52
—18.09
22.29
61.82
101.18
140.26
178.97
53
—19.22
21.84
61.89
101.67
140.99
179.83
54
— 20.52
21.30
61.95
102.16
141.83
180.76
55
—21.91
20.72
62.00
102.73
142.72
T81.78
I70
m SELECT AND ULTIMATE.
ILQrk TERMINAL RESERVES.
r /^ FIFTEEN YEAR ENDOWMENT.
Am. Ex.
Age.
0,
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
—8.38
42.06
93-71
146.95
201.97
258.96
21
-8.42
42.09
93-^>9
146.93
201.94
^5?-g^
22
—8.50
42.02
93.61
146.89
201.90
^5S-?7
23
-8.53
41.99
93.61
146.86
201.88
258.82
24
—8.59
41.91
93-56
146.80
201.80
258.77
25
-8.67
41.87
93-51
146.75
201.80
258.72
26
-8.77
41.82
93-43
146.71
201.72
258.67
27
—8.84
41-75
93-40
146.63
201.66
258.62
28
—8.91
41.68
93-34
146.64
201.67
258.56
29
— 9.01
41.63
93-29
146.58
201.60
258.50
30
—9.08
41-57
93-25
146.54
201.54
258.45
31
—9-23
41.49
93.20
146.49
201.50
258.39
32
—9-32
41-39
93-15
146.45
201.48
258.33
33
—9.42
41-34
93.10
146.43
201.39
258.27
34
—9-57
41.22
93-05
146.36
201.35
258.20
35
—9.76
41.16
92.94
146.28
201.26
258.14
36
-9-85
41.02
92.93
146.24
201.27
258.07
37
—10.05
40.88
92.82
146.24
201.23
258.01
38
— 10.26
40.74
92.72
146.14
201.18
257-9S
39
— 10.46
40.67
92.64
146.10
201.14
^5^-2i
40
— 10.71
40.48
92.59
146.07
201.12
257.88
41
—10.97
40.34
92-51
146.07
201.14
257.88
42
—11.25
40.21
92.46
146.03
201. II
257-87
43
—11.56
40.05
92.40
146.06
201.17
257-88
44
—11.94
39-83
92.31
146.03
201.18
257-87
45
—12.38
39.61
92.26
146.03
201.21
257-85
46
—12.8s
39-33
92.08
146.02
201.18
257-78
47
-13-38
39-02
91-95
145-97
201.17
257.67
48
—14.03
38.66
91-75
145-84
201.08
257-52
49
—14.74
38.27
91.49
145-70
200.93
257-31
50
—15-57
37-73
91.20
145-51
200.78
257.07
51
— 16.46
37-14
90.85
145-31
200.59
256.78
52
—17.46
3^^-56
90.46
145.06
200.34
256.45
53
—18.57
35-86
90.05
144-80
200.09
256.08
54
—19.83
35-07
89-57
144.49
199.85
255-68
55
— 21.19
34.22
89.04
144.16
199-54
255-24
5^'
—22.71
3327
88.44
143-77
199.20
254.76
57
—24.40
32.20
87.81
143-35
198.93
25424
58
— 26.27
31-05
87.08
142.93
198.45
253-68
59
—28.35
29-75
86.32
142.42
198.01
253-09
60
—30.62
28.33
85-44
141.88
197-56
252.45
\y\
4^
10
SELECT AND ULTIMATE.
TERMINAL RESERVES.
TEN YEAR ENDOWMENT.
Am.
Ex.
Age.
0.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
—7.71
75-79
161.99
251-49
344-53
441.49
21
-7.76
75-75
161.94
251.42
344-47
441.43
22
-7.82
75-75
161.91
251-38
344-44
441.38
23
-7.84
75-67
161.87
251-34
344-38
441.32
24
-7.89
75-61
161.80
251.29
344-30
441.26
^^
-7.96
75-57
161.77
251.20
344.28
441.19
26
—8.02
75-52
161. 71
251-17
344.18
441.12
27
—8. 1 1
75-45
161.66
251.09
344-12
441.04
28
—8.17
75-40
161.61
251.06
344-09
440.97
29
-8.27
75-34
161. 5 1
250.96
343-98
440.88
30
-.S.36
75-23
161.47
250.91
343-87
440.78
31
—8.46
75-14
161.38
250.81
343-81
440.69
32
— 8.s6
75-05
161.27
250.71
343-72
440.58
33
—8.70
74-97
161. 18
250.63
343-63
440.47
34
-8.79
74-88
161. 13
250.53
343-52
440.34
35
—8.94
74-75
160.99
250.43
343-36
440.21
36
—9-05
74.62
160.83
250.28
343-27
440.05
V
—9-25
74-51
160.73
250.16
343-08
439.89
38
—945
74-34
160.62
250.00
342.94
439.71
39
—9.60
74-23
160.43
249.89
342.80
439.52
40
—9-85
74.00
160.25
249.68
342.61
439-32
41
— 10.06
73-81
160.13
249-56
342.40
439.10
42
— 10.31
73-62
159-93
249-35
342.21
438.86
43
—10.63
73-43
159-74
249.18
342.00
438.60
44
—10.95
73-13
159-52
248.97
341-75
438-31
45
—11-35
72-84
159-27
248.71
341.49
437-97
46
—11.79
72.50
158.97
248.44
341.15
437.57
47
—12.31
72.14
158.65
248.08
340.76
437-10
48
-12.87
71.69
158.25
247.68
340.31
436.55
49
-13-54
71.16
157-77
247.20
339-78
435.92
50
—14.29
70.55
157.22
246.64
339-16
435-20
51
—15-14
69.89
156.61
246.02
338.45
434-39
52
— 16.04
69.17
155-95
245-36
337-69
433-49
53
— 17.11
68.30
155-17
244.56
336.79
432.48
54
—18.26
67-37
154-30
243.68
335.87
431.36
55
-19-51
66.36
153-38
242.75
334.80
430.12
56
—20.93
65.22
152.32
241.67
333-62
428.74
^l
—22.52
63.94
151-18
240.48
332.38
427.21
58
—24.23
62.56
149.92
239.22
330.90
425.53
59
— 26.17
60.99
148.49
237.76
329-25
423.67
60
—28.28
59-32
146.93
236.18
327-51
421.64
61
—30.64
57-39
145-23
234-43
325-59
419.41
(>2
-33-22
55-34
143-36
232.61
323-55
416.95
\^
—36.12
53-06
141.30
230.50
321.20
: 414.27
64
—39-30
50.56
139-05
228.20
318.72
411.28
65
—42.77
47-79
136.56
225.70
315.87
407.97
172
VI .rw
SELECT AND ULTIMATE.
4%
MEAN
RESERVES.
T/U
ORDINARY LIFE.
Am. Ex.
Age. I
Year.
2 Years.
3 Years. i^
I Years.
5 Years.
20
1.88
10.05
17-<M
2534
Z^-^l
21
1.89
10.54
18.67
26.36
33-58
22
2.00
11.04
19.46
27-45
34-97
23
2.25
11-59
20.31
28.61
36.44
24
2.49
12.14
21.20
29.80
37-95
25
^■77
12.75
22.12
31.07
39-57
26
3.02
13-34
23.06
Z2.17
41.24
27
3-31
13-99
24.07
33-75
43-°^
28
3-64
14.69
25-17
35-25
44.88
29
3-94
15-39
26.27
36.76
46.82
30
4.28
16.15
27.46
38.37
48.87
31
4-63
16.96
28.72
40.08
51-03
32
4.98
17.76
29.99
41.84
53-29
33
5.38
18.65
31-37
43-73
55-67
34
5-77
19-57
32.82
45-69
58.16
35
6.20
20.54
34.32
47-73
60.76
36
6.63
21.54
35-90
49.89
63-50
Z7
7.07
22.59
37-57
52.17
66.37
38
7-55
23-70
39-31
54-55
69-39
39
8.04
24.85
41.12
57-04
72.56
40
8.55
26.09
43-07
59-70
75-90
41
9.07
27.35
45-09
62.45
79-38
42
9.61
28.69
47.21
5§-^4
8^.01
43
10.22
30.11
49-43
68.37
86.81
44
10.75
31-54
51-72
71.48
90-73
45
11-33
3304
54-12
74-75
94-81
46
11.92
34.60
56.60
78.10
98.99
47
12.50
36.20
59-15
81.55
103.28
48
1304
37-78
61.75
§§°9
107.68
49
13-59
39-41
64.40
88.72
112.20
50
14.06
41.06
67.11
92.43
116.83
51
14-55
42.71
69.90
96.27
121.60
52
15.02
44-45
72.78
100.20
126.49
53
15-47
46.20
75-73
104.24
131-51
54
15-87
47-99
78.78
108.43
136.69
55
16.26
49.80
81.88
112.71
141.99
56
16.61
51.64
?5'°7
117.T2
147-43
57
16.90
53-50
88.33
121.60
152.98
58
17-15
55-38
91.66
126.23
158.67
59
17.32
57-28
9507
130.93
164.47
60
1743
59.17
98.51
135-73
170.39
61
17-44
61.08
102.05
140.65
176.42
62
17.40
62.99
105.66
145-70
182.58
63
17.24
64-87
109.26
150.75
188.78
64
16.95
66.75
112.94
155-92
195-07
65
16.57
68.58
116.62
161. 10
201.37
173
4%
Am. Ex.
SELECT AND ULTIMATE.
MEAN RESERVES.
TWENTY PAYMENT LIFE.
Age. I Year. 2 Years. 3 Years. 4 Years. 5 Years.
20 7-88 22.85 37.53 52.05 66.45
21 8.14 23.43 38.40 53.25 67.99
22 8.41 24.01 39.31 54.51 69.60
23 8.70 24.64 40.29 55.83 71.28
24 8.98 25.28 41.29 57-20 73-02
25 9.29 25.95 42.33 58.62 74.84
26 9.58 26.61 43.38 60.06 76.69
27 9-91 27.34 44.50 61.60 78.65
28 10.26 28.10 45.69 63.22 80.69
29 10.59 28.85 46.86 64.83 82.77
30 10.96 29.67 48.13 66.56 84.95
31 11.32 30.50 49.43 68.33 87.21
Z^ 11-69 31-33 50.75 70-15 89.54
33 12.09 32.23 52.16 72.08 91.98
34 12.50 33.17 53.62 74.06 94.49
35 12.94 34.15 55.13 76.10 97.09
36 13-35 35-12 56.67 78.20 99.76
37 13-77 36.13 58.28 80.41 102.55
38 14-23 37-20 59-95 82.70 105.44
39 14-70 38.28 61.65 85.03 108.42
40 15-14 39-41 63.45 87.50 1 1 1.52
41 15.62 40.57 65.30 90.02 1 14.71
42 16.09 41-77 67.20 92.61 117-99
43 16.61 43.03 69.20 95.33 121.39
44 17.08 44.28 71.21 98.09 124.85
45 17-55 45-58 73-28 100.92 128.39
46 18.01 46.88 75.41 103.78 131-94
47 18.48 48.22 77.55 106.69 135.56
48 18.88 49.53 79.70 109.63 139.21
49 19.27 50.84 81.87 112.60 142.89
50 19-55 52.10 84.03 115.57 146.60
51 19.86 53.41 86.27 118.64 150.38
52 20.15 54.74 88.51 121.72 154.19
53 20.38 56.05 90.79 124.84 158.05
54 20.55 57-36 93.10 128.04 161.98
55 20.71 58.68 95.46 131.31 165.98
174
m SELECT AND ULTIMATE.
/ICJ^ MEAN RESERVES.
■ /^ FIFTEEN PAYMENT LIFE.
Am. Ex.
3 Years. 4 Years, 5 Years.
49.82 68.81 87.88
50.89 70.27 89.77
52.01 71.81 91.74
53-19 7343 93-79
54.41 75.08 95.91
55.67 76.81 98.12
56.97 78.59 100.40
58.32 80.44 102.77
59.76 82.41 105.25
61.20 84.38 107.79
62.72 86.46 1 10.43
64.31 88.61 1 13.17
65.90 90.82 116.00
67.61 93.14 118.94
69.37 95-52 121.98
71.15 97.96 125.09
73.02 100.51 128.33
74.93 103.13 131.66
76.91 105.85 135. 1 1
78.93 108.62 138.65
81.07 111.52 142.32
83.23 114.49 146.09
85.47 117-53 149-94
87.78 120.69 153-91
90.11 123.87 157.93
92.51 127.14 162.02
94.92 130.42 166.13
97-36 133.74 170.28
99.78 137.06 174.44
102.21 140.39 178.60
104-63 143-72 182.77
107.05 147.05 186.94
109.47 150.38 191.08
1 1 1.87 153.69 195.22
114.30 157.06 199.38
116.68 160.38 203.48
119.04 163.66 207.55
121.39 166.93 211.59
123.71 170.20 215.59
125.99 173.39 219.51
128.22 176.56 223.40
Age.
I Year.
2 Years.
20
11.86
30.90
21
12.19
31.66
22
12.52
32-31
23
12.88
33-08
24
13.22
33-85
25
13.60
34-67
26
13-99
35-51
27
14.39
36.38
28
14.82
37-30
29
15-23
38.23
30
15.68
39.21
31
16.13
40.22
32
16.60
41.24
33
17.10
42.34
34
17-59
43-47
35
18.10
44-61
36
18.64
45-81
37
19.16
47.01
38
19.71
48.28
39
20.29
49-58
40
20.85
50.92
41
21.42
52.29
42
22.02
53-72
43
22.63
.55-18
44
23.20
56.63
45
2?>.77
58.15
46
2433
59.62
47
24.89
61.16
48
25-38
62.64
49
25.86
64.13
50
26.26
65-58
51
26.63
67.00
52
26.97
68.43
53
27.24
69.82
54
27.49
71.22
55
27.65
72.54
56
27.74
73-84
57
27-75
75-12
58
27.68
76-33
59
27.49
77-48
60
27.22
78.59
m SELECT AND ULTIMATE.
ilO^ MEAN RESERVES.
*T A' TEN PAYMENT LIFE..
Am. Ex.
175
Age.
I Year.
2 Years.
3 Years.
20
20.02
47-44
75-13
21
20.48
48.41
76.62
22
20.95
49.40
78.16
23
21.45
50.46
79-79
24
21.96
51-55
81.48
25
22.50
52.68
83-22
26
23-03
53-83
85-02
27
23.60
55-05
86.88
28
24.21
56.33
88.87
29
24.80
57-61
90.87
30
2543
58.97
92-97
31
26.14
60.39
95-15
32
26.77
61.81
97-37
33
27.47
6333
99.72
34
28.18
64.88
102.13
35
28.93
66.49
104.62
36
29.69
68.14
107.18
37
30.45
69-83
109.83
38
31.26
71.60
112.57
39
32.07
73-39
115-36
40
32.89
75-25
118.28
41
33-75
77.16
121.27
42
34.61
79.12
124.34
43
35-49
81.13
127.49
44
36.35
83-15
130.68
45
37-23
85.24
133-96
46
38.09
87-33
137-28
47
38.94
89-45
140.63
48
39-75
91-54
143-98
49
40.53
93-62
147-33
50
41.20
95-67
150.67
51
41-93
97-72
154-04
52
42.59
99-75
157-38
53
43-17
101.73
160.68
54
43-71
103.68
163.97
55
44.18
105-58
167.21
56
44.55
107.40
170.37
57
44.83
109.16
173-48
58
45.02
110.84
176.50
59
45-09
112.41
179.42
60
45.06
113.89
182.22
61
44.84
115.22
184.89
62
44-53
116.45
187.46
63
44-04
117.52
189.82
64
43-32
118.43
192.02
65
42.46
119.16
194.03
4 Years. 5 Years.
103.32 132-07
105-35 134-68
107.47 137-39
109.70 140.23
1 1 1.99 143-15
114.38 146.21
116.83 149-35
119-39 ■ 152-64
122.08 156.06
124.83 159-57
127.69 163.23
130.66 167.02
133-73 170-96
136-93 175-02
140.21 179.22
143.60 183.55
147.11 188.03
150.74 192.65
154-49 197-42
158.32 202.33
162.30 207.39
166.39 212.60
170.58 217.93
174.89 223.40
179.26 228.96
183-74 234.64
188.26 240.36
192.84 246.15
197.44 251.97
202.04 257.83
206.65 263.69
211.29 269.57
215-90 275.42
220.47 281.24
225.05 287.04
229.58 292.77
234.01 298.41
238-35 303-94
242.63 309-36
246.76 314-61
250.78 319-72
254.62 324.62
258.36 329.33
261.82 333.76
265.12 337.94
268.14 341-76
176
4%
Am. Ex.
SELECT AND ULTIMATE.
MEAN RESERVES.
TWENTY YEAR ENDOWMENT.
Age. I Year. 2 Years. 3 Years. 4 Years. 5 Years.
20 27.07 61.71 97.00 13313 170.21
21 27.06 61,73 96.99 ^33'^^ 170.20
22 27.01 61.70 96.96 133.12 170.22
23 27.01 61.72 97.00 133-14 170.24
24 26.98 61.71 97.01 13316 170.26
25 26.94 61.68 97.01 133.18 170.29
26 26.93 61.69 97.02 133-21 170-32
27 26.89 61.70 97.04 133-22 170.35
28 26.86 61.69 97.09 133-30 170-41
29 26.82 61.67 97-09 133-34 170.47
30 26.79 61.70 97.16 133-40 170.54
31 26.75 61.73 97.20 133.49 170-65
32 26.70 61.73 97.27 133.57 170.74
33 26.69 61.77 97.35 133.68 170.87
34 26.67 61.84 97.47 . 133.84 171.04
35 26.65 61.88 97.56 133.98 171.22
36 26.61 61.93 97.68 134.14 171.43
37 26.57 61.99 97.85 134.39 171.70
38 26.54 62.08 98.02 134.64 172.00
39 26.53 62.19 98.24 134.94 172.37
40 26.48 62.31 98.50 135-31 172.80
41 26.47 62.48 98.81 135.74 173.31
42 26.45 62.66 99-14 136.19 173.86
43 26.45 62.88 99.56 136.76 174.51
44 26.41 63.09 99.99 137.36 175.22
45 26.37 63.34 100.46 138.02 175.99
46 26.31 63.60 101.00 138.72 176.78
47 26.26 63.90 101.54 139.46 177.64
48 26.18 64.20 102.13 140.28 178.57
49 26.04 64.47 102.74 141. 12 179.53
50 25.85 64.75 103-38 142.01 180.58
51 25.66 65.05 104.09 143.00 181.72
52 25.47 65.42 104.87 144.09 182.98
53 25.25 65.81 105.72 145.27 184.35
54 24.97 66.21 106.64 146.58 185.88
55 24.69 66.64 107.65 148.01 187.53
177
4%
Am. Ex.
SELECT AND ULTIMATE.
MEAN RESERVES.
FIFTEEN YEAR ENDOWMENT.
Age.
I Year.
20
43-07
21
43.08
22
43.02
23
43.01
24
42.96
25
42.93
26
42.88
27
42.83
28
42.79
29
42.75
30
42.72
31
42.64
2>^
42.59
2>Z
42.56
34
42.47
35
42.40
36
42.35
37
42.25
38
42.15
39
42.10
40
41.98
41
41.89
42
41.81
43
41.71
44
41.57
45
41.42
46
41-25
47
41.06
48
40.81
49
40.55
50
40.18 ^
51
39.81
52
39.42
53
38.96
54
38.43
55
37.88
56
37.25
57
36.55
58
35.80
59
34.95
60
34.03
2 Years.
94.11
94.14
94.08
94.08
94.04
94.02
93-98
93-95
93-92
9390
93-88
93-85
93.82
93.82
93-78
93-75
93-74
93.68
93-64
93-65
93-63
93-63
93.66
9369
93-69
93-74
93.71
93-72
93-70
93.66
93-57
93-46
93-38
93-27
93-13
92-99
92.83
92.66
92-47
92.28
92.06
3 Years.
146.56
146.56
146.51
146.52
146.48
146.46
146.42
146.39
146.40
146.37
146.37
146.35
146.35
146.36
146.35
146.31
146.35
146.36
146.34
146.37
146.42
146.49
146.57
146.70
146.79
146.95
147.06
147.20
147.29
147.38
147.46
147-55
147-63
147-74
147.84
147.96
148.08
148.23
148.41
148.62
148.83
4 Years,
200.69
200.68
200.66
200.65
200.60
200.60
200.57
200.52
200.56
200.53
200.51
200.50
200.52
200.51
200.50
200.47
200.52
200.57
200.57
200.62
200.69
200.81
200.90
201.08
201.23
201.42
201.61
201.81
201.95
202.10
202.25
202.42
202.57
202.76
202.98
203.21
203.46
203.79
204.10
204.46
204.89
Years.
256.69
256.68
256.65
256.63
256.58
256.59
256.55
256.52
256.52
256.49
256.47
256.45
256.46
256.43
256.42
256.40
256.43
256.45
256.47
256.52
256.59
256.71
256.82
256.99
257.15
257.33
257.49
257.66
257-79
257.90
258.03
258.15
258.26
258.40
258.57
258.75
258.95
259-24
259-47
259-80
260.18
178
496
Am. Ex.
Age. I Year.
20 76.08
21 76.05
22 76.03
23 76.00
24 75.96
25 75-92
26 75.88
27 75.82
28 75-79
29 75-74
30 75.66
31 75.60
32 75-53
33 75-46
34 75-40
35 75-31
36 75-23
37 75-13
38 75.00
39 74-93
40 74.76
41 74.64
42 74.50
43 74-35
44 74-15
45 73-93
46 73.69
47 73-42
48 73.10
49 72.71
50 72.27
51 71-79
52 71.28
53 70-64
54 69.97
55 69.25
56 68.43
57 67.51
58 66.53
59 65.41
60 64.22
61 62.85
62 61.40
63 59-77
64 58.00
65 56.06
SELECT AND ULTIMATE.
MEAN RESERVES.
TEN YEAR ENDOWMENT.
2 Years.
3 Years.
4 Years.
5 Years.
160.93
248.78
340.05
435-05
160.90
248.73
340.00
435-00
160.90
248.71
339-98
434.98
160.85
248.69
339-94
434-93
160.80
248.64
339-89
434.88
160.78
248.60
339-85
434-85
160.75
248.57
339-81
434-78
160.71
248.53
339-76
434-73
160.68
248.51
339-75
434-71
160.63
248.44
339-67
434-63
160.58
248.42
339-62
434-55
160.52
248.35
339-57
434-51
160.45
248.28
339-50
434-44
160.40
248.23
339-45
434-37
160.36
248.19
339-38
434-29
160.27.
248.11
339-30
434-19
160.17
248.00
339.22
434-11
160.12
247.94
339-12
433-98
160.03
247.86
339.02
433-88
159-94
247.77
338.96
433-77
159.81
247.65
338.83
433-65
159-73
247.61
338.74
433-51
159.62
247.49
338.63
433-38
159-53
247.41
338.54
433-25
159-39
247-31
338-42
433-09
159.24
247.18
338.29
432.92
159-07
247.04
338.13
432.70
158.90
246.87
337-92
432.43
158.66
246.66
337-69
432.12
158.37
246.39
337.39
431-75
158.03
246.07
337-04
431-32
157-66
245-73
336.65
430.83
157-27
245-37
336.24
430.30
156.78
244.91
335-72
429.68
156.25
244.41
335-19
429.03
155-70
243.89
334-60
428.29
155-06
243.28
333-93
427-47
154-36
242.63
333-23
426.50
153-61
241.94
332.43
425-58
152.74
241.12
331-50
424-46
151.82
240.25
330.54
423-27
150.79
239-31
329.49
421.98
140.69
238.33
328.42
420.59
148.48
237.20
327-15
41O-04
147-17
235-99
325-83
417-37
145-72
234.68
324-33
415-47
COMMITTEE OF FIFTEEN
STANDARD.
The minimum reserve standard for the vaUiation, only of policies
which are by their terms "preliminary term," which was adopted by
the Committee of Fifteen at its final meeting in Chicago in Decem-
ber, 1906, was as follows :
Modified Preliminary Term, for all forms of limited payment life
policies and endowment poHcies, excepting limited payment life
policies with premium payments limited to a period of 20 years or
longer.
Accordingly, on the basis of the American Experience Table and
33^ per cent, interest, the Modified Preliminary Term reserves al-
ready given apply, except in the case of 20-payment life, for which the
"full preliminary term" reserves are used.
This standard has been adopted in West Virginia and North Da-
kota.
i8i
3'/2%
Am. Ex.
COMMITTEE OF FIFTEEN STANDARD.
TERMINAL RESERVES.
TWENTY PAYMENT LIFE.
FULL PRELIMINARY TERM.
Age.
I Year.
2 Years.
3 Years.
4 Years.
20
0.00
r4-7«
30.15
46.13
21
0.00
15.10
30.80
47.14
22
0.00
1544
31-49
48.19
23
0.00
15-79
32.20
49.27
24
0.00
16.15
32.94
50.39
25
0.00
16.52
33-69
51-55
26
0.00
16.90
34-48
52.74
27
0.00
^7-3^
35-29
53-98
28
0.00
17.71
36.12
55.25
29
0.00
18.14
36.99
56.57
30
0.00
18.58
37-89
57.93
31
0.00
19.04
38.80
59.33
32
0.00
19.50
39-75
60.79
33
0.00
19.99
40.74
62.29
34
0.00
20.49
41.76
63-83
35
0.00
21.01
42.81
65.41
36
0.00
21.54
43-88
67.05
37
0.00
22.08
44-99
68.72
38
0.00
22.65
46.10
70.46
39
0.00
23-23
47-31
72.25
40
0.00
23-84
48.53
74.11
41
0.00
24.47
49.80
76.00
42
0.00
25.12
51.09
77.95
43
0.00
25-77
52.42
79-93
44
0.00
26.46
53-77
81.95
45
0.00
27.14
55-13
83-99
46
0.00
27.84
56.53
86.04
47
0.00
28.55
57-90
88.06
48
0.00
29.24
59-27
90.08
49
0.00
29.94
60.64
92.10
50
0.00
30.64
62.01
94.12
51
0.00
31-34
63-39
96.14
52
0.00
32.06
64.77
98.16
53
0.00
32.76
66.16
100.17
54
0.00
33-48
67.55
102.19
55
0.00
34.20
68.93
104.21
56
0.00
34-93
70.34
106.23
57
0.00
35-67
71.75
108.25
58
0.00
36.40
73.16
110.24
§9
0.00
37-14
74.56
112.23
60
0.00
37.88
75-95
114.21
5 Years.
62.76
64.13
65.55
67.02
68.54
70.10
71-74
73-41
75-13
76.92
78-76
80.66
82.62
84-65
86.73
88.87
91.07
93-34
95.68
98.09
100.57
103.12
105.71
108.35
1 1 1.02
113.70
116.38
119.04
121.68
124.32
126.96
129.59
132.20
134.80
137-41
140.00
142.58
145.13
147.65
150.15
152.62
l82
y/i
3MMITTEE OF FIFTEEN STAND.
TERMINAL RESERVES.
ARD.
\j^i
\ /U
TWENTY PAYMENT LIFE.
Am.
Ex.
FULL
PRELIMINAR-^
' TERM.
Age.
6 Years.
7 Years.
8 Years.
9 Years.
10 Years.
20
80.05
98.04
116.75
136.22
.156.48
21
81.79
100.17
119.29 '
139.17
159.85
22
83.60
102.38
121.91
142.22
163.34
23
85.47
104.66
124.62
145.38
166.97
24
87.41
107.02
127.43
148.64
170.70
25
89.40
109.46
130.32
152.00
174.55
26
91.48
1 1 1.99
133-32
155.49
178.51
27
93.60
114.58
136.39
159-07
182.63
28
95-79
117.26
139-57
162.75
186.85
29
98.06
120.03
142.85
166.56
191. 19
30
100.40
122.88
146.23
170.48
195.67
31
102.81
125.82
149.70
174.51
200.26
?>^
105.30
128.84
153.28
178.64
204.99
ZZ
107.86
131.96
156.96
182.91
209.85
34
110.50
135.15
160.74
187.29
214-85
35
113.20
138.44
164.63
191.79
219.96
36
115.99
141.83
168.63
196.41
225.21
Z7
118.85
145-31
172.72
201.13
230.50
38
121.82
148.89
176.93
205.97
236.03
39
124.85
152.56
181.23
210.90
241.50
40
127.97
156.30
185.61
215.91
247.22
41
131-15
160.13
190.07
220.98
252.88
42
134-39
164.01
194.56
226.07
258.5S
43
137.68
167.91
199.07
231.18
264.27
44
140.98
171.82
. 203.58
236.27
269.94
45
144.27
175.72
208.07
241.34
275-57
46
147.37
179.62
212.56
246.40
281.18
47
150.84
183.48
216.98
251-38
286.89
48
154.09
187.31
221.38
256.30
292.14
49
157.32
191. 12
225.72
261.16
297.50
50
160.55
194.89
230.02
265.97
302.78
SI
163.75
. 198.63
234.27
270.69
307.95
52
166.92
202.33
238.45
275.32
312.98
53
170.08
205.99
242.57
279.85
317-89
54
173.22
209.61
246.63
284.29
322.69
55
176.32
213.17
250.58
288.61
327-3 f
56
179.38
216.67
254.46
292.81
331.76
57
182.41
220.11
258.24
296.85
336.G0
58
185.39
223.47
261.89
300.72
340.02
59
188.32
226.72
265.39
304.33
343-75
60
191. 17
229.86
268.73
307-80
347.18
i83
31/^ COMMITTEE OF FIFTEEN STANDARD.
/9^^ TERMINAL RESERVES.
^ /^ TWENTY PAYMENT LIFE.
Am. Ex. FULL PRELIMINARY TERM.
22
Age II Years. 12 Years. 13 Years 14 Years. 15 Years.
20 177.53 ^99-45 -^-'-'-'5 •^45-97 27o.n()
21 181.36 203.74 227.02 251.24 276.45
185.32 208.17 231.95 256.68 282.42
23 189.41 212.76 237.05 262.31 288.59
24 193-63 217.49 242.30 268.11 294.94
25 198.00 222.37 247.72 274.08 301.49
26 202.50 227.42 253.31 280.24 3<)B-24
2."] 207.13 232.58 259.05 286.55 315-15
28 211.89 237.91 264.94 ' 293.05 322.27
29 216.79 243.38 271.01 299.73 329.58
30 221.84 249.02 277.26 306.61 337'^9
31 227.01 254.80 283.66 313-63 344-78
32 232.34 260.74 290.23 320.86 352.65
33 237.82 266.84 296.98 328.24 360.70
34 243.43 273.10 303.86 335.78 368.90
35 249.18 279.48 310.89 343.46 377.23
36 255.06 285.99 318.05 351.26 385.66
Z7 261.05 292.62 325.30 359.14 39-1.19
38 267.15 299.34 332.64 367.11 402.79
39 ^77^-7^2 306.12 340.04 375-13 411-44
40 279.55 312.96 347.49 383.18 4?C.12
41 285.82 319.82 354.95 391.25 42S.80
42 292.10 326.70 362.41 399-31 437-47
43 298.38 333.55 369.84 407.32 446.08
44 304-61 340.35 377-20 415-25 454-60
45 310.81 347.09 384.49 423.10 463.02
46 316.95 353-77 391-71 430-86 471-34
47 322.99 360.32 398.77 438.44 479-46
48 328.94 366.76 405-71 445-87 487-36
49 334-77 373-07 412.46 453.09 495.12
50 340.51 37923 419.06 460.11 502.61
51 346.09 385.17 425-45 466.93 509.81
52 351-51 391-00 431-60 473-44 516.75
53 356.78 396.61 437-50 479-66 523.33
54 361-89 401.99 443-15 485-58 529.54
55 366.76 407.09 448.46 491.09 535.31
56 371.41 411.90 453-41 496-20 540.61
57 375-80 416.39 457-99 500.85 545.41
58 379-89 420.52 462.11 505.01 549.71
59 383-64 424-21 465-75 508.67 553.51
60 387.00 427-47 468.93 511-87 556.89
1 84
Oly
' r-*^
COMMITTEE
OF FIFTEEN
STANDARD.
^4
>%
TERMINAL RESERVES.
u ^ ^
: /yj
TWENTY PAYMENT LIFE.
Am.
Ex.
FULL PRELIMINARY
' TERM.
Age.
16 Years.
17 Years.
18 Years. ]
[9 Years.
20 Years.
20
296.36
■323-09
'350.93
379-89
410.03
21
302.67
329.97
358.37
387-93
418.69
22
309.19
337-05
366.04
396.21
427.62
23
315-92
344-37
373-96
404.76
436.81
24
322.86
351-89
382.11
413-55
446.28
25
329.99
359-65
390.50
422.61
456.00
26
337-35
367.60
399-11
431-88
466.00
27
344-89
375-82
407.96
441-43
476.26
28
352.65
384.23
417.08
451.24
486.77
29
360.60
392.85
426.38
461.25
497-52
30
368.78
401.71
435-93
471-51
508.49
31
377.12
410.73
445-65
481.94
519-67
32
385-67
419.95
455-57
492.57
531-04
33
394-38
429.35
465-65
503-37
542.58
34
403-25
438.89
475-89
514-33
554-30
35
412.23
448.55
486.25
525-41
566.15
36
421.33
458.32
496.72
536.62
578.13
37
430.50
468.17
507.26
547-91
590.22
38
439-76
478.09
517-90
559.28
602.39
39
449.05
488.06
528.57
570.71
614-63
40
458.38
498.05
539-26
582.17
626.92
41
467.69
508.03
549-96
59364
639.24
42
476.99
518.00
560.64
605.09
651-55
43
486.20
527.87
571.26
616.46
663.83
44
495-36
537-68
581.75
627.78
d^^iXiy
45
504.38
547-35
592.13
638.99
688.24
46
513-29
556.90
602.37
650.07
700.30
47
521.95
566.23
612.46
660.97
712.23
48
530.49
575-37
622.31
671.68
724.01
49
538.75
584-23
631.90
682.18
735-60
50
546.77
592.80
641.20
692.38
746.98
51
554-45
601.08
650.22
702.29
758.13
52
561.82
609.02
658.83
711.89
769.04
53
568.81
616.54
667.07
721.13
779.72
54
575-41
623.61
674.88
730.03
790.18
55
581.50
630.24
682.28
738.58
800.48
56
587.11
636.36
689.24
746.85
810.62
57
592.22
642.03
695.81
754-79
820.64
58
596.85
647.26
702.02
762.46
830.54
59
601.01
652.05
l^l-ll
769.83
840.32
60
604.75
656.43
713.21
776.88
849.97
i85
3Jy^^ COMMITTEE OF FIFTEEN STANDARD.
/r%ylf\ MEAN RESERVES.
^ /^ TWENTY PAYMENT LIFE.
Am. Ex. FULL PRELIMINARY TERM.
Age.
I Year.
2 Years.
3 Years
4 Years.
5 Years.
20
Z-77
1.S.27
33-34
49.02
65-32
21
3-79
18.61
34.01
50.03
66.69
22
3.82
18.96
34-70
51.08
68.11
23
3.84
19-33
35-43
52.17
69.58
24
3-87
19.71
36.18
53-30
71.10
25
3-89
20.10
36.95
54-46
72.67
26
3-93
20.51
37-75
55-67
74.30
27
3-96
20.94
38-58
56.91
75-97
28
3-99
21.37
39-43
58.20
77.71
29
4-03
21.83
40.32
59-54
79-50
30
4.07
22.30
41.25
60.92
81.36
31
4.11
22.79
42.19
62.34
83-27
32
4.16
23-30
43-17
63.82
85-25
33
.1.21
23-83
44.20
65-35
87-30
34
4.27
24-38
45.26
66.93
89.42
35
4-32
24-95
46.35
68.56
91-59
36
4-39
25-54
47-48
70-24
93-83
37
4.46
26.15
48.65
71.97
96.14
38
4-54
26.80
49.86
72>-77
98-54
39
4-63
27.46
51.12
75.62
101.02
40
4-73
28.16
52.43
77-56
103-58
41
4.83
28.88
53-78
79-55
106.21
42
4-95
29.64
55-19
81.61
108.92
43
5-08
30.43
56.64
83-72
1 1 1.69
44
5-23
3 1 .26
58.14
85.89
114.52
4|
5-39
32.11
59.68
88.10
"7-39
46
5-58
33-01
61.27
90.37
120.30
47
5.80
33-94
62.89
92.65
123.21
48
6.04
34.90
64-53
94.95
126.16
49
6.33
35-89
66.21
97.29
129.13
50
6.65
36.93
67.94
99.68
132.15
51
7.02
38.02
69.71
102. 1 1
135.21
52
^•53
39-15
71-54
104.59
138.30
53
7.89
40.34
73-42
107.12
141.44
54
8.40
41.59
75-36
109.71
144-65
55
8.97
42.90
77-?>7
112.37
147-90
56
9.60
44.28
79-45
1 1 5. 1 1
151.22
57
10.31
45.75
81.63
1 17.91
154.60
58
11.08
47.29
83.87
120.79
158.04
59
11.94
48.93
86.21
123.75
161.55
60
12.89
50.66
88.64
126.80
165.14
[86
y/,
i% "
3MMITTEE OF FIFTEEN STAND
MEAN RESERVES.
ARD.
u^-^
' /CI
TWENTY PAYMENT
' LIFE.
Am.
Ex.
FULL
PRELIMINARY
TERM.
Age.
6 Years.
7 Years.
8 Years.
9 Years.
10 Years.
20
82.28
99.92
118.27
137-36
157.22
21
84.02
102.04
120.78
140.28
160.56
22
85.81
104.23
123.38
143-30
164.02
23
87.68
106.50
126.08
146.43
167.61
24
89.61
108.85
128.86
149.67
171.30
25
91-59
111.27
131-73
153-00
175.12
26
93.66
113-79
134-71
156.46
179.07
27
95-78
116.37
^37-77
160.01
183-13
28
97.98
119.04
140.93
^5^-^?
187.32
29
100.25
121.80
144.19
167.46
191.64
30
102.59
124.65
147-57
171-37
196.09
31
105.01
127-59
15103
175-38
200.66
32
107.51
130.62
154.61
179-51
205.37
33
110.09
133-74
158.29
183-77
210.22
34
112.75
136.96
162.08
188.15
215.20
35
115.48
140.27
165.98
192.66
220.32
36
118.30
143-68
170.00
197.29
225.58
37
121.21
147.19
174-13
202.04
230.96
38
124.22
150.82
178.38
206,92
236.47
39
127.31
154-55
182.74
211.91
242.09
40
130-51
158.37
187.20
217.00
247.80
41
133-78
162.29
191-75
222.17
253-58
42
137-14
166.29
196.37
227.40
259.41
43
140.56
170.34
201.04
232.67
265.27
44
144-03
174-43
205.73
237.96
271.14
45
147-53
178.54
210.44
243-25
277.00
46
151.06
182.68
215.18
248.56
282.88
47
154.60
186.82
219.90
253-84
288.70
48
158.16
190.98
224.62
259.11
294-49
49
161.74
195-14
229.34
264.36
300.25
50
165-36
199-33
234.07
269.60
305-98
51
169.01
203.53
238.79
274.82
311.66
52
172.68
207.75
243-51
280.01
317.27
53
176.40
211.99
248.24
285.17
322.83
54
180.16
216.26
252.97
290.31
328.34
55
183.96
220.54
257-67
295-39
333-7^
56
187.80
224.84
262.38
300.45
339-10
57
191.68
229.17
267.09
305-46
344-34
58
195.61
233-52
271.77
310.40
349-46
59
199.60
237.88
276.42
315-24
354-42
60
203.62
242.24
281.02
319-99
359-21
i87
31 y COMMITTEE OF FIFTEEN STANDARD.
/r)Qf\ MEAN RESERVES.
Z /U TWENTY PAYMENT LIFE.
Am. Ex. FULL PRELIMINARY TERM.
Age.
II Years
12 Years.
13 Years.
14 Years.
15 Years.
20
177-87
199-37
221.73
,244.99
269.19
21
181.66
203.61
226.44
250.19
274.90
22
185.57
207.99
231.30
255-56
280.79
23
189.62
212.52
236.34
261.11
286.88
24
193.80
217.20
241.53
266.84
293.16
25
198.11
222.03
246.89
272.74
299.62
26
202.58
227.02
252.42
278.84
306.30
27
207.16
232.14
258.10
285.08
313-13
28
211.89
237-41
263.94
291.51
320.17
29
216.75
242.84
269.95
298.13
327-41
30
221.77
248.44
276.15
304.95
334-86
31
226.91
254.18
282.50
311.92
342.48
32
232.21
260.09
289.04
319.09
350.30
33
237.67
266.17
295.75
326.44
358.30
34
243-27
272.40
302.61
333-96
366.48
35
249.02
278.78
309.63
341.62
374-79
36
254.91
285.30
316.79
349-43
383-23
37
260.92
291.94
324.07
357-33
391-78
38
267.06
298.71
331.46
365-34
400.42
39
273.30
305.57
338.93
373-43
409.13
40
279.62
312.49
346.46
381.57
417.89
41
286.00
319.47
354.04
389.75
426.68
42
292.43
326.49
361.64
397-94
435-47
43
298.87
333-51
369.24
406.13
444.25
44
305.3 ^
340.51
376.81
414-25
452.95
45
311.73
347.49
384.33
422.34
461.60
46
318.15
354.45
391.82
430.37
470.19
47
324.50
361.32
399.21
438-27
478.61
48
330.81
368.12
406.51
446.06
486.91
49
337.06
374.84
413.69
453-70
495.03
50
34325
381.48
420.75
461.21
503.00
51
349.36
387.99
.427.67
468.53
510.74
52
355-37
394.38
434.42
475-64
518.22
53
361.29
400.65
441.01
482.54
525.45
54
367.13
406.78
447.41
489.21
532.41
55
372.84
412.72
453-57
495-57
539-00
56
378.40
418.48
459.48
501.63
545-23
57
383.82
424.01
465.10
507.33
551-05
58
389.04
429.30
470.41
512.65
556.45
59
394.05
434.28
475-34
517-57
561.45
60
398.81
438.95
479-92
522.13
566.10
i88
|%| y^ COMMITTEE OF FIFTEEN STANDARD.
t/)Qfl MEAN RESERVES.
U Z /U TWENTY PAYMENT LIFE.
Am. Ex. FULL PRELIMINARY TERM.
Age. 1 6 Years. 17 Years. 18 Years. 19 Years. 20 Years.
20 294.39 320.60 347-89 37^-29 405-84
21 300.62 327-38 355-23 384-21 414-37
307-05 334-36 362.79 392-37 423-16
'> 00
22 ^ . ^ ^
23 313-69 341-58 370-66 400.79 432
24 320.53 349-01 378-64 409-46 441-55
25 327.58 356.66 386.91 418.39 451-15
26 334.85 364.55 395.45 427-59 461.02
27 342-30 372.64 404-19 437-OI 471-15
28 349-97 380.95 413-17 446.68 481.52
29 357-85 38948 422.38 456.57 492.14
30 365-95 398.26 431.83 466.73 503.01
31 374.22 407.20 441.46 477-07 514-08
32 382.71 416.36 451-31 487-62 525.35
33 391-38 425-70 461-34 498.35 536.81
34 400.21 435-20 471-52 509-24 548.45
35 409-17 444-84 481-84 520.28 560.23
36 418.27 454.60 492.29 531.44 572.15
37 427-46 464-45 502.83 542.70 584.18
38 436.74 474-40 513-47 554-06 596.31
39 446.09 484.40 524.16 565.48 608.51
40 455-48 494-45 534-89 576.95 620.78
41 464.90 504.51 54565 588.45 633.09
42 474-31 514-58 556.41 599-95 645.41
43 483-70 524-61 567-12 611.42 657.71
44 493-01 534-55 577-75 (^22.79 669.96
45 502.25 544.41 588.28 634.10 682.16
46 511.40 554.18 598.74 645.30 694.29
47 520.38 563.77 609.01 656.39 706.28
48 529.22 573-20 619. 1 1 667.28 718.13
49 537-86 582.41 628.99 677.96 729.81
50 546.30 591-42 638.65 688.40 74T-31
51 554-51 600.14 648.02 698.60 752.58
52 562.41 608.54 657.05 708.49 763.59
53 570.02 616.63 665.76 718.06 774.38
54 577-32 624.35 674.09 727.30 784.97
55 584.21 63 T. 67 682.06 736.24 795.34
56 590.68 638.55 689.62 744.86 805.55
57 596.73 645.04 696.83 753-23 815.64
58 602.37 65T.T5 70374 761.33 ^2^.62
59 607.62 656.89 7T0.27 769.16 835.46
60 612.54 662.3T 716.54 776.77 845.15
3'/2%
Am. Ex.
ILLINOIS STANDARD.
The minimum standard of preliminary term valuation, adopted by
the legislature of Illinois, is as follows:
Life, preliminary term.
Limited payment life, with premiums for 20 years or longer, pre-
liminary term.
Limited payment life, with premiums for less than 20 years, and
all endowments, preliminary term to the extent of a portion of the first
year's premium, equal to the 20 payment life premium for the same
age.
191
3'/2%
Am. Ex.
ILLINOIS STANDARD.
TERMINAL RESERVES.
FIFTEEN PAYMENT LIFE.
Age.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
21
4.92
25.16
46.22
68.15
90.98
22
5.00
25.66
47-15
69-53
92.82
23
5-o8
26.17
48.11
70.95
94-73
24
5-16
26.70
49.11
72.42
96.70
25
5-25
27.24
50.12
73-95
98.72
26
5-33
27.80
51.18
75-51
100.84
27
542
28.39
52.28
77-14
103..01
28
5-51
28.98
53-40
78.80
105.24
29
5-61
29.61
54-57
80.54
107.55
30
571
30-25
55-78
82.31
109.93
31
5-81
30.91
57.00
84-45
112.39
32
591
31-58
58.27
86.05
114.91
33
6.01
32.28
59-59
88.00
117.52
34
6.12
33-00
60.95
89-99
120.19
35
6.23
33-74
62.34
92.04
122.93
36
6.33
34-49
63-75
94-15
125.74
37
6.44
35-26
65-21
96.30
128.62
38
6.55
36.05
66.70
98.52
131-58
39
6.66
36.86
68.23
100.80
134.62
40
6.77
37-70
69.80
103.14
137-73
41
6.88
38.56
71.42
105.51
140.90
42
6.99
39-43
73.06
107.94
144.12
43
7.10
40.30
74-73
110.40
147-38
44
7.20
41.21
76.42
112.89
150.67
45
/■31
42.10
78.11
"5-39
153-95
46
7.40
43.00
79-83
117.89
157-22
47
7-49
43-90
81.50
120.34
160.45
48
7-58
44-77
83.16
122.77
163.64
49
7-65
45-63
84-79
125.16
166.78
50
7.72
46.48
86.39
127.52
i6c).89
51
7.78
47-30
87-97
129.83
172.93
52
7.82
48.11
89.50
132.08
175.88
53
7.84
48.87
91.00
U4-27
178.75
54
7-85
49.61
92-45
136.40
181.54
55
7.83
50.32
93.83
138.45
184.22
56
7.80
50.99
95-17
140.42
186.79
57
7-74
51-63
96.45
142.30
189.22
58
7.66
52.20
97-66
14405
191.50
59
7-55
52-74
98-78
145.71
193-64
60
7.42
53-23
99-81
147-25
195.62
J92
^ ^ . ILLINOIS STANDARD.
\ /iOrk TERMINAL RESERVES.
U ^2 /t/ FIFTEEN PAYMENT LIFE.
Am. Ex.
Age.
6 Years.
7 Years.
8 Years.
9 Years.
10 Years.
21
114-73
139-47
165.23
192.04
219.96
22
117.06
142.31
168.58
195-94
224.42
23
119.47
145.22
172.04
199.97
229.04
24
121.96
148.25
175-63
204.12
233.80
25
124.52
151-37
179.32
208.41
238.71
26
127.19
154.60
183-15
212.85
243-75
27
129.92
157-93
187.08
217.44
249.02
28
132-74
161.36
191.15
222.14
254-41
29
135-66
164.91
195-.34
227.01
259-97
30
138.66
168.56
199.66
232.01
265.69
31
141.76
172.32
204.09
237.16
271.56
32
144-95
176.18
208.67
242.45
277.61
33
148.22
180.16
213.36
247-89
283.82
34
151-59
184.22
218.17
253-47
290.21
35
155-03
188.40
223.11
259-20
296.72
36
158.57
192.70
228.19
265.07
30343
37
162.20
197.10
233-37
271.06
310.25
38
165-93
201.61
238.68
277.20
317.21
39
169.75
206.23
244.10
^l^-n
324-31
40
173-64
210.91
249.61
289.78
331-49
41
177..61
215.70
255-21
296.21
338.74
42
181.63
220.53
260.85
302.65
346.04
43
185.70
225.39
266.51
309-14
353-36
44
189.78
230.26
272.19
315-62
360.68
45
193-84
235-11
277-84
322.09
367.98
46
197.89
239-94
283.47
328.53
375-25
47
201.89
244-72
289.02
334-89
382.44
48
205.85
249-45
294-53
341-19
389-56
49
209.73
254.09
299.93
347-36
396.54
50
213-58
258.66
305-24
353-44
403.42
51
2^7-33
263.13
310.43
359-38
410.13
52
220.97
267.46
315-46
365-12
416.61
53
224-53
271.68
320.34
370.68
422.90
54
227.95
275-74
325-04
376.03
428.95
55
231.24
279.62
329-51
^^'■'i
434.72
56
23437
283.31
333-77
385-98
440.18
57
237-34
286.80
33778
390.51
445-28
58
240.12
290.06
341-49
394.69
450.01
59
242.71
29304
344-87
398.50
454.28
60
245.06
295-74
347-92
401.87
458.06
193
f%\y^^^ ILLINOIS STANDARD.
1/9^1 TERMINAL RESERVES.
U Z /L/ FIFTEEN PAYMENT LIFE.
Am. Ex.
Age
II Years.
12 Years.
13 Years
14 Years.
15 Years.
21
249.03
279.32
310.86
343-71
377-95
22
254.09
284.98
317-16
350-67
385-60
23
25930
290.82
323-66
357-86
393-49
24
264.68
296.86
330.37
365-28
401.63
^5
270.25
303.09
337-29
372-92
410.03
26
275-98
309-52
344-43
380.80
418.69
27
281.91
316.15
351-81
388.93
427.62
28
288.00
322.97
359-37
397-30
436.81
29
294.28
330.00
367.19
405.92
446.28
30
300.74
337.22
375-21
414-79
456.00
31
307-37
344-65
383-46
423.88
466.00
32
314.20
352.29
391-94
433-25
476-25
33
321.22
360.13
400.65
442.83
486.77
34
328.41
368.18
409-55
452.64
497-52
35
335-77
376.39
418.65
462.66
508.49
36
343-31
384.79
427.96
472.89
519-67
37
350.99
393-35
437-41
483-27
53104
38
358.81
402.05
447-02
493-82
542.58
39
366.76
410.87
456.76
504-53
554.30
40
374-79
419.80
466.61
515-33
566.15
41
382.91
428.80
476.55
526.27
578.13
42
391.06
437-86
486.54
537-27
590.22
43
399-26
446.95
496.59
548-34
602.39
44
407-44
456.05
506.66
559-44
614.63
45
415.62
465.14
516.72
570.57
626.92
46
423-75
474.20
526.76
581.68
639.24
47
431.81
483.17
536.74
592.76
651-55
48
439-80
492.08
546.66
603.81
663.83
49
447.62
500.83
556.41
614.69
676.07
50
455-35
509.47
566.07
625.49
688.24
51
462.88
517.86
575-55
636.19
700.30
52
470.18
526.10
584-77
646.62
712.23
53
477-26
534-09
593-78
656.86
724.01
54
484.09
541-78
602.51
666.87
735-60
55
490.59
549-15
610.92
676.57
746.98
56
496.75
556.14
618.95
685.95
758-13
57
502.52
562.74
626.61
694.98
769.04
58
507.87
568.88
633-79
703.63
779.72
59
512.73
574-50
640.50
711.88
790.18
60
517-05
579-59
646.71
719.76
800.48
m
3'/2%
Am. Ex.
ILLINOIS STANDARD.
TERMINAL RESERVES.
TEN PAYMENT LIFE.
Age.
I Year.
2 Years.
21
15.02
45-80
22
15.26
46.63
23
15-51
47-48
24
1576
48.36
25
16.03
49-27
26
16.30
50.21
27
16.58
51-19
28
16.87
52.18
29
17.17
53-22
30
1747
54-29
31
17.79
55-40
32
18.11
56.53
33
18.45
57-71
34
18.79
58.91
35
19.14
60.15
36
19.50
61.42
37
19.87
62.71
38
20.24
64-05
39
20.62
65.41
40
21.00
66.81
41
21.39
68.24
42
21.78
69.70
43
22.18
71.16
44
22.58
72.67
45
22.97
74.18
46
23-36
75-69
47
23.76
77.22
48
24.14
78.71
49
24.51
80.19
50
24.87
81.65
51
25.21
83.08
52
25-53
84.49
S3
25-83
85.82
54
26.09
87.12
26.32
88.35
56
26.51
89-51
57
26.65
90.60
58
26.74
91-57
59
26.78
92.46
60
26.76
93.22
3 Years. 4 Years. 5 Years.
77.85 1 1 1.25 146.05
79.29 113.33 148.79
80.77 115-46 151-61
82.31 117.68 154-53
83.89 119-97 157-54
85.54 122.33 160.68
87.23 124.78 163.89
88.97 127.29 167.21
90.78 129.90 170.65
92.65 132.58 174.19
94-56 135-35 177-85
96.54 138.22 181. 61
98.58 141. 16 185.50
100.68 144.18 189.49
102.85 147-29 193-59
105.05 150.49 197.80
107.33 153-76 202.13
109.65 1 57- 12 206.56
112.04 160.57 21 1. II
114.48 1 64. 1 1 215.76
116.99 167.71 220.53
"9-53 171-39 225.36
122.12 175-12 230.28
124.75 178.91 235.26
127.39 182.73 240.27
130.07 186.56 245.29
132.72 190-38 250.32
135-35 194.17 255.31
137.96 197.95 260.28
140.54 201.68 265.22
143.09 205.37 270.10
145.58 208.99 274.89
148.01 212.52 279.58
150.35 215.95 284.15
152.59 219.27 288.59
154.75 222.45 292.86
156.78 225.47 296.92
158.68 228.29 300.7s
160.41 230.92 304.35
161.97 2SZS2 307-67
195
3'/2%
Am. Ex.
ILLINOIS STANDARD.
TERMINAL RESERVES.
TEN PAYMENT LIFE.
Age. 6 Years. 7 Years. 8 Years. 9 Years. 10 Years.
21 182.30 220.08 259.46 300.50 343-28
22 185.73 224.23 264.36 306.17 34976
23 189.26 228.50 269.40 312.03 356.46
24 192.92 232.92 274.63 318.09 36339
25 196.70 237.50 280.03 324.35 370.55
26 200.63 242.25 285.63 330.84 377-95
27 204.65 247.11 291.37 337.51 385.60
28 208.80 252.15 297.32 344.39 393.49
29 213.11 257.36 303.46 351.53 401.63
30 217.54 262.71 309-79 358.86 410.03
31 222.12 268.26 316.32 366.44 418.69
32 226.84 273.95 323-06 374-24 427-62
33 231.69 279.83 329.99 382.28 436.81
34 236.69 285.86 337.12 390.55 446.28
35 241.82 292.07 , 344.45 399.05 456.00
36 247.09 298.45 351-98 407-79 466.00
Z7 252.50 305.00 359.71 416.76 476.26
38 258.07 311.72 367.64 425.95 486.77
39 263.75 318.60 375.75 435-35 497-52
40 269.58 325.62 384.03 444.94 508.49
41 275.52 332.80 392.49 454.73 519.67
42 281.55 340.09 401.07 464.65 531.04
43 287.69 347.47 409.77 474-74 542-58
44 293.90 354.95 418.58 484.95 554.30
45 300.14 362.47 427-45 495-26 566.15
46 306.40 370.03 436.39 505.66 578.13
47 312-67 377.62 445.36 516.13 590.22
48 318.92 385.19 454.34 526.63 602.39
49 325-15 -h^^-J^ 463-33 537-17 614.63
50 331.35 400.28 472.29 547.70 626.92
51 337-47 407-74 481-21 558.23 639.24
52 343.51 415.12 490.06 568.70 651.55
53 349-45 422.39 498-79 579-o8 663.83
54 355-24 429-51 507-39 589-36 676.07
55 360.67 436.46 515.81 599.52 688.24
56 366.30 443-20 524.05 609-50 700.30
57 371-51 449-71 532-05 619.27 712.23
58 376.47 455.94 539.77 628.80 724.01
59 381-14 461.85 547.18 638.05 735.60
60 38549 467-41 554-24 646.99 746.98
196
f^i J ILLINOIS STANDARD.
'%/>Qfl TERMINAL RESERVES.
W ^ /^ TWENTY YEAR ENDOWMENT.
Am. Ex,
3 Years.
89.24
88.95
88.64
88.34
88.01
87.69
87.35
87.00
86.65
86.30
85.92
85-56
85.20
84.83
84.47
84.10
8374
83-39
83.06
82.75
82.47
82.20
81.96
81.73
81.52
81.35
81.16
80.99
80.83
80.70
80.61
80.56
80.55
80.60
80.68
Age.
I Year.
2 Years.
21
18.66
53-23
22
18.34
52.92
23
18.02
52.61
24
17.68
52.29
25
17-34
51.95
26
16.98
51.61
27
16.62
51-27
28
16.24
50.89
29
15-85
50.53
30
15-45
50.15
31
15-03
49-77
32
14.61
49-37
33
14.18
48.98
34
13-74
48.57
35
13.28
48.17
36
12.82
47.76
37
12.35
47-34
38
11.87
46.94
39
11-39
46.53
40
10.90
46.13
41
10.40
45.75
42
9.90
45-38
43
9.40
45.00
44
8.89
44.67
45
8.39
44-32
46
7-89
43-99
47
7.39
43-68
48
6.89
43-36
49
6.40
43.06
50
5-92
42.78
SI
5-45
42.52
52
4-99
42.30
53
4-54
42.09
54
4.1 1
41.93
55
3-70
41.81
4 Years.
5 Years.
126.77
165.88
126.49
165.60
126.19
165.32
125.89
165.02
125-58
164.71
125.26
164.42
124.94
164.10
124.60
163.77
124.26
163.45
123-93
163.13
123-58
162.80
123.24
162.47
122.91
162.16
122.57
161.84
122.23
161.54
121.91
161.24
121.58
160.97
121.30
160.73
121.03
160.51
120.81
160.34
120.59
160.21
120.42
160.09
120.27
160.02
120.15
159.96
120.05
159.92
119.97
159.89
119.87
159-85
119.79
159.82
119.74
159.82
119.72
159.87
119.74
159-95
1 19.81
160.08
119.93
160.26
120.12
160.53
120.37
160.87
197
3'/2%
Am. Ex.
ILLINOIS STANDARD.
TERMINAL RESERVES.
TWENTY YEAR ENDOWMENT.
Age
6 years.
7 Years.
21
206.63
249.11
22
206.36
248.84
23
206.08
248.57
24
205.80
248.28
25
205.50
248.00
26
205.22
247.72
27
204.90
247.41
28
204.58
247.11
29
204.27
246.81
30
203.96
246.50
31
203.64
246.20
32
203.37
245.90
33
203.04
245.61
34
202.74
245-31
35
202.45
245-05
36
202.19
244.80
37
201.94
244.58
38
201.75
244.41
39
201.57
244.27
40
201.44
244-15
41
201.34
244.09
42
201.28
244.04
43
201.25
244.00
44
201.22
243.96
45
201.19
243.92
46
201.18
243.88
47
201.15
243-84
48
201.14
243-79
49
201.14
^A?>-77
50
201.20
243-77
51
201.29
243.82
52
201.42
243.90
53
201.62
244.05
54
201.90
244.26
55
202.24
244-53
8 Years. 9 Years. 10 Years.
293-40 339-56 387.68
293-13 339-29 387-41
292.86 339-03 387-17
292.58 338.76 386.90
292.30 338.48 386.63
292.03 338.21 386.33
291-73 337-92 386.07
291-43 337-61 385.77
291-13 337-32 385.47
290.83 337.02 385.17
290.53 zz^-i^ 384-87
290.23 336.42 384-57
289.95 336.14 384-29
289.67 335-87 384-02
289.41 335-61 383.75
289.18 335.39 383-53
288.96 335.18 383.30
288.80 33501 383.12
288.67 334-87 382.94
288.56 334-74 382.78
288.49 334-63 382.60
288.42 334.51 382.42
288.35 334-39 382.21
288.28 33424 381.96
288.18 334.07 381.68
288.10 333.90 381.40
287.98 333-69 381.06
287.87 333.46 380.69
287.76 333-23 380.31
287.68 333-03 379-93
287.63 332.82 379.54
287.60 332.64 379-12
287.63 332.47 378.73
287.72 332-36 378.37
287.83 332.28 378.00
:t96
3'/2%
Am. Ex.
ILLINOIS STANDARD.
TERMINAL RESERVES.
TWENTY YEAR ENDOWMENT.
Age.
II Years.
12 Years.
13 Years.
14 Years.
21
437-86
490.20
544-79
601.73
22
437.60
489.94
544-54
601.50
23
437-35
489.70
544-31
601.29
24
437-09
489.45
544.06
601.05
25
436.84
489.19
543-81
6oo.8i
26
436.57
488.94
543-56
600.56
27
436.29
488.64
543-28
600.28
28
435-98
488.35
542.97
599-99
29
435-68
488.04
542.67
599.69
30
435-39
487-75
542.38
599.40
31
43507
487-43
542.06
599-07
32
434-77
487.12
541.74
598.77
33
434-49
486.83
541.45
598.46
34
434.20
486.55
541-13
598.12
35
433-94
486.26
540.83
597-79
36
433-69
485.98
540.52
597.46
37
433-44
485-70
540.19
597.07
38
433-22
485-43
539-86
596.68
39
432.99
485.13
539-49
596.25
40
432.76
484.82
539-11
595.76
41
432-51
484.47
538.66
595.24
42
A?>2.2^
484.10
538.18
594.66
43
431-93
483.68
537.64
594.01
44
431-56
483.19
537-02
593-26
4|
431-17
482.65
536.33
592-43
46
430.74
482.07
535.60
591.55
47
430-24
48 1 .40
534.75
590.53
4B
429.71
480.67
533.83
589.43
49
429.12
479.89
532.82
588.20
50
428.54
479-07
531-75
586.89
51
427.91
478.13
530.^1
585.51
52
427-25
477-23
529.36
583.97
53
426.58
476.26 .
528.04
582.32
54
425.92
47524
526.66
580.58
55
425.20
474-13
525.13
578.63
15 Years.
661.17
660.94
660.74
660.51
660.29
660.06
659-79
659-50
659-22
658.93
658.62
658.30
658.00
657-65
657.30
656.92
656.50
656.06
655-56
655-02
654.42
65376
653-01
652.17
651.22
650.22
649.07
647.76
646.41
644.91
643-26
641.52
639.59
637.51
635.21
3'/2%
Am. Ex.
ILLINOIS STANDARD.
TERMINAL RESERVES.
TWENTY YEAR ENDOWMENT.
199
Age.
21
2.2
23
24
25
26
27
28
29
30
31
z-^
?yZ
34
35
36
Z7
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
16 Years.
723.18
722.98
722.80
722.60
722.39
722.18
721.93
721.67
721.39
721.13
720.82
720.53
720.21
719.86
719-50
719.11
7x8.66
718.20
717.67
717.10
716.46
715-74
714.92
71405
713-04
71T.96
710.70
709.38
707.89
706.29
704-50
700.46
698.17
695.60
17 Years.
787-94
787.76
787.62
78743
787.26
787-05
786.87
786.63
786.38
786.15
785-87
785-59
785-31
784-97
784-63
784-25
783-81
783-53
782.83
782.27
781.63
780.94
780.13
779.27
778.27
^77.22
776.00
774-65
773-19
771-58
769.79
765-73
763-37
760.79
8 Years.
19 Years.
20 Years.
855-57
926.20
1000.00
855-42
926.11
1000.00
855-31
926.05
1000.00
855-17
925-96
1000.00
'o55-S5
925.90
1000.00
854-87
925-79
1000.00
854-71
925-68
1000.00
im
925.60
1 000.00
925-49
1 000.00
854.16
9-25-38
1000.00
853-93
925-23
1000.00
853-70
925-08
1000.00
853-46
924.05
1000.00
853-19
924.77
1000.00
852.90
924-57
1000.00
852.57
924.38
1000.00
851.18
924.13
1000.00
851.81
923.88
1000.00
851-36
923-61
1000.00
850.86
923-30
1000.00
850.32
922.95
1000.00
849-72
922.57
1000.00
849.06
922. T I
1000.00
848.28
921.63
1000.00
847-42
921.09
1000.00
846.48
920.48
1000.00
845-46
919.81
1000.00
844.30
919.06
1000.00
843.02
918.25
1000.00
841.60
917-33
1000.00
840.07
916.31
1000.00
838.34
915.20
1000.00
836.46
913.05
TOOO.OO
834.37
912.60
1000.00
832.07
911.07
rooo.oo
200
f\\/ fyj ILLINOIS STANDARD.
■ /9^r) TERMINAL RESERVES.
U Z /yJ FIFTEEN YEAR ENDOWMENT.
Am. Ex.
3 Years.
140.71
140.41
140.09
139-78
- 139-44
139.09
138.74
138.36
137-99
137.60
137.18
136.76
136.34
135-90
135-45
134-97
134-49
133-99
133-50
133.00
132.51
131-99
131-49
130.97
130.42
129.88
129.29
128.67
128.02
127..34
126.64
125.91
125.17
124.40
123.59
122.79
1 2 1 .96
121. IT
120.24
119.35
Age.
1 Year.
2 Years.
21
3509
86.81
22
34.78
86.50
23
34-45
86.18
24
34-11
85-85
25
33-76
85-50
26
33-39
85.14
27
3302
84.79
28
32-63
84.40
29
32-23
84.01
30
31.82
83-61
31
31-39
83.20
32
30.95
82.76
33
30.49
82.33
34
30.02
81.87
35
29.54
81.40
36
29.04
80.92
Z7
28.53
80.42
38
28.00
79.91
39
27.46
79-39
40
26.90
78.87
41
26.33
78.35
42
25-75
77.82
43
25.16
77.26
44
24.55
76.72
%
23.94
76.15
23.31
75-57
47
22.67
74.98
48
22.02
74-36
49
21.36
73-73
50
20.69
73.08
51
20.01
72.40
52
19.32
71-73
53
18.62
71.02
54
17.91
70.31
55
17.20
69.58
56
16.47
68.84
57
15-74
68.10
58
15.00
67-34
59
14.25
66.58
60
13-50
65.80
4 Years.
5 Years.
196.91
255-50
196.62
255-22
196.31
254.92
196.00
254.62
195-67
254.29
195-33
253-97
194.99
253-63
194.62
253-27
194-25
252.91
193.86
252.53
193.46
252.14
193.06
251.74
192.64
251-33
192.21
250.90
19175
250.45
191.30
249.99
190.81
249-53
190.34
249.06
189.85
248.58
189.38
248.11
188.89
247-65
188.41
247.16
187.90
246.66
187.40
246.14
186.87
245-58
186. V
244-97
185.69
244-30
185.03
243-58
184.33
242.79
183.60
241.98
182.83
24 1. 1 1
182.0^
240.17
181. 18
239.19
180.29
238.16
179.38
237.08
178.44
235-95
177-47
234.76
176.44
23350
175-39
232.20
174.31
230.84
20I
y/2%
Am. Ex.
ILLINOIS STANDARD.
TERMINAL RESERVES.
FIFTEEN YEAR ENDOWMENT.
Age 6 years.
21 316.59
22 316.31
23 316.02
24 315.74
25 315.42
26 315.12
27 314.78
28 314.43
29 314.08
30 313.70
31 313-33
32 312-93
33 312.52
34 312.11
35 311.66
36 311.21
37 310.74
38 310.28
39 309.81
40 309.34
41 308.86
42 308.36
43 307.84
44 307-29
45 306.67
46 306.00
47 305.25
48 304.45
49 303-56
50 302.64
51 30 T .63
52 300.54
53 299.40
54 298.16
55 296.89
56 295.52
57 294.07
58 292.54
59 290.93
60 289.21
7 Years.
8 Years.
9 Years.
10 Years.
3<So.29
446.74
516.05
588.35
380.04
446.50
515.81
588.13
379.75
446.22
515.57
587.90
379.47
445-96
515.31
587.68
379-17
445.67
515.04
587.42
378.87
445.38
514.77
.587.14
378.55
445-07
514.48
586.90
378.22
444-75
514.16
586.62
377.88
444.42
513.86
586.32
377.51
444.07
513.52
586.01
377.15
443.71
513.17
585.68
376.75
443-33
512.80
585-33
376.35
442.94
512.41
584.96
375.93
442.53
512-03
584.59
375-49
442.09
511.60
584.18
375.05
441.65
511. 18
583.77
374.59
441.19
510.72
583-33
374-13
440.73
510.25
582.86
373.66
440.25
509.77
S82.38
37 ^--i?
439.75
509.26
581.86
372-68
439.25
508.72
581.29
372.16
438.68
508.11
580.66
371.60
438.07
507.45
579-97
370.98
437-40
506.72
579.20
.370.30
436.65
505-90
578.33
369.55
435.82
505-01
577-38
368.71
434.88
503-99
576.30
367.82
433-89
502.89
575.15
366.82
432.77
501.66
573.84
365-75
431-57
500.35
572.44
364.60
430.26
498.9 T
570-89
363.35
428.83
497-31
569.17
362.01
427.3 T
495-60
567.32
360.58
425.66
493-74
565.31
359-05
423.86
491-73
563. 1 1
357-42
42T.96
489.58
560.74
35S-(^8
419-92
487.23
558.15
353.83
417.7T
484.69
S5S-34
351-84
415-34
481.94
552-27
349-71
412.78
478.93
548.89
202
/% 1 y ILLINOIS STANDARD.
1/9 ^Tfl TERMINAL RESERVES.
W ^ A^ FIFTEEN YEAR ENDOWMENT.
Am. Ex.
Age.
II Years.
12 Years.
13 Years.
14 Years.
15 Years.
21
663.77
742.49
824.66
910.43
1000.00
22
663.59
742.34
824.55
910.37
1000.00
23
663.38
742.17
824.42
910.30
1000.00
24
663.18
742.01
824.30
910.24
1 000.00
25
662.96
741.82
■ 824.15
910.16
1000.00
26
662.74
741.63
824.01
910.08
1000.00
27
662. SI
741.43
823.87
909.98
1000.00
28
662.2 s
741.21
823.69
909.90
1000.00
29
661.97
740.98
823.52
909.79
1000.00
30
661.69
740.73
823.33
909.68
1000.00
31
661.38
740.48
823.13
909.55
1000.00
32
661.07
740.20
822.91
909.45
1000.00
33
660.73
739-90
822.69
909.30
1000.00
34
660.39
739.62
822.46
909.17
1000.00
35
660.01
739.28
822.18
909.00
1000.00
36
659.62
738.92
821.91
908.84
1000.00
37
659.20
738.55
821.61
908.66
1000.00
38
658.76
738.14
821.27
908.45
1000.00
39
658.28
737.69
820.90
908.22
1000.00
40
657.76
737.21
820.51
907.96
1000.00
41
657-19
736.68
820.06
907.70
1000.00
42
656.55
736.08
819.56
907.39
1000.00
43
655.86
735-42
819.01
907.04
1000.00
44
655-07
734.69
818.40
906.67
1000.00
45
654.21
733-^7
817.71
906.24
1000.00
46
653-24
732.95
816.96
905.76
1000.00
47
652.14
731.92
816.08
905.21
1000.00
48
650.98
730.82
815.18
904.67
1000.00
49
649.64
729.55
814.10
903.97
1000.00
50
648.22
728.19
812.96
903.25
1000.00
51
646.64
726.63
811.70
902.48
1000.00
52
644.87
724.99
810.26
901.55
1000.00
53
642.97
723.17
808.70
900.57
1 000.00
54
640.89
721.16
807.00
890.48
1000.00
55
638.60
718.95
805.11
898.27
1000.00
56
636.12
716.54
803.03
896.05
1000.00
57
633-40
713.88
800.75
895-47
1000.00
58
630.43
710.97
798.21
893.84
1000.00
59
627.18
7(^7-75
795.42
8<)2.04
1000.00
60
623.58
704.19
792.32
890.04
1000.00
203
3'/2%
Am. Ex.
ILLINOIS STANDARD.
TERMINAL RESERVES.
TEN YEAR ENDOWMENT.
Age.
I Year.
2 Years.
3 Years.
4 Years.
21
()S.8i
•55-69
246.29
340.79
22
68.50
155-40
246.02
340.54
23
68.17
155-09
245-73
340.27
24
67.83
154-77
245-43
339.98
25
67.49
154-43
245.11
339.69
26
67.13
154.09
244.79
339-39
27
66.76
153-74
244-45
33<).o8
28
66.37
153-36
244.09
3.38.73
29
65-97
152.98
243-73
338.39
30
65.56
152.58
243-35
338.02
31
i^-\^
152.17
242.95
^Zl-'^^T^
32
64.69
151-73
242.53
?>?>7-27
33
64.23
151.29
242.11
33^^-^7
34
6375
150.83
241.66
33^>-44
35
63.26
150.36
241.21
335.99
36
62.75
149-85
240.71
335-52
Zy
62.22
149-32
240.20
335-01
38
61.68
148.79
239.67
334-51
39
61.10
148.22
239.11
333-97
40
60.52
147-64
238.54
333-42
41
59-91
147.04
237-95
332.83
42
59-28
146.42
237.32
332.21
43
58.63
145-76
236.68
33 1 -.56
44
57-96
I45-II
236.01
330.89
45
57-27
144.40
235-29
330.16
46
56.56
143.67 •
234.55
329.38
47
55-83
142.92
^Z2^-7Z
328.51
48
55-07
142.10
232.85
327-58
49
54-30
141.26
231-93
326.58
50
53-50
140.36
230.93
325-49
51
52.67
139-4^
229.87
32432
52
51.81
138.44
228.74
323-06
53
50.93
137-38
227.54
321.69
54
50.01
136.29
226.25
320.23
St\
49.06
135-13
224.86
318.66
56
48.07
133-90
223.39
316.96
57
47-04
132.61
221.83
315-14
58
45-97
131-23
220.14
313-13
5i9
44-85
i2().78
218.34
3 1 1 .00
60
43-70
128.2 s
216.40
308.71
Years.
439-35
439-12
438.88
438.62
438.35
438.09
437-79
437-47
437-17
436.82
436.49
436.12
435-75
435-35
434-94
434.48
434-01
433-53
433-00
432.47
431-91
431-31
430.67
429-99
429.25
428.44
427-55
426.57
425-50
424-35
423.11
421.75
420.26
418.67
416.95
415-07
413.02
410.79
408.39
405.79
204
3'/2%
Am. Ex.
ILLINOIS STANDARD.
TERMINAL RESERVES.
TEN YEAR ENDOWMENT.
Age
6 years.
21
542.15
22
541.95
2Z
541.74
24
541-52
25
541.29
26
541.06
27
540.80
28
540.51
29
540.24
30
539-93
31
539-64
32
539-31
33
538.97
34
538.61
35
538.23
36
537-82
37
537-38
38
536.96
39
536.46
40
535-97
41
535-44
42
534-85
43
534-25
44
533-59
45
532-86
46
532.05
47
531.^5
48
530.17
49
529.09
50
527-93
51
526.65
52
525-26
53
523-74
54
522.09
55
520.29
56
518.30
57
516.16
58
513-80
59
51T-25
60
508.46
7 Years.
649.41
649.26
649.07
648.88
648.70
648.52
648.28
648.06
647-83
647-57
647-33
647.04
646.76
646.44
646.13
645-77
645-39
645-03
644-59
644.14
643.68
643.16
642.60
641.98
641.31
640.54
639.72
638.79
637-79
636.67
63546
634-13
632.67
631.08
629.34
627.41
625.33
623.02
620.50
617.74
8 Years.
9 Years.
10 Years.
761.33
878.11
1000.00
761.22
878.05
1000.00
761.08
877.99
1 000.00
760.93
877-90
1000.00
760.80
877.82
1000.00
760.67
877-76
1000.00
760.50
877.66
1000.00
760.32
877-54
1000.00
760.16
877-46
1000.00
759-95
877-33
1000.00
759-77
877.24
1000.00
759-57
877.11
1000.00
759-35
876.99
1000.00
759-11
876.86
1000.00
758-87
876.73
1000.00
758.59
876.57
1000.00
758.29
876.39
1000.00
758.02
876.22
1000.00
757-66
876.00
1000.00
757-31
875.81
1000.00
756.94
875.57
1000.00
756.51
87530
1000.00
756.06
87504
1000.00
755.56
874.72
1000.00
755-00
874-38
1000.00
754-37
874.00
1000.00
753-68
873-57
1000.00
752.91
873.08
1000.00
752.08
872.57
1000.00
751-14
871.98
1000.00
750.12
871-35
1000.00
749.00
■ 870.64
1000.00
7A7-77
869.86
1 000.00
746.42
869.01
1000.00
744.92
868.08
1000.00
743-28
867.03
1000.00
741-49
865.89
1000.00
739-50
864.60
1000.00
737-32
863.20
1000.00
734-93
861.65
1000.00
205
3'/2%
ILLINOIS STANDARD.
MEAN RESERVES.
FIFTEEN PAYMENT LIFE.
Am.
Ex.
Age.
I Year.
2 Years.
3 Years.
4 Years.
21
8.62
28.4()
4<;.i 1
70.00
22
8.72
28.97
50.04
71.98
22,
8.82
29.50
51.01
73-40
24
8.93
30.04
52.02
74-88
25
9.04
30.61
53-04
76.40
26
9-15
31.18
54-11
77-96
27
9.27
31-79
55-22
79.60
28
9-39
32.40
56.35
81.26
29
9-53
33-o6
57-54
83-01
30
9.66
33-73
58.76
84-79
31
9.80
34-42
60.01
86.63
32
9-94
35-13
61.31
88.54
33
10.10
35-86
62.65
90.51
34
10.26
36.63
64.04
92.54
35
10.42
37-41
65-47
94.62
36
10.59
38.21 .
66.92
96.75
3?
10.77
39-05
68.44
98.96
38
10.96
39-91
69.98
101.22
39
II. 15
40.80
71-58
103.55
40
11.36
41.72
72,-2?>
105-95
41
11-57
42.67
74-94
108.41
42
11.80
43-64
76.68
110.93
43
12.03
44-64
78.46
"3-51
44
12.27
45-68
80.29
II6.I T,
4|
12.53
46.74
82.14
118.79
46
12.82
47.82
84.04
121.48
47
13.12
48-94
85-94
124.16
48
1345
50-07
87.86
126.86
49
13.81
51.21
89-78
T29-55
50
14.20
52-39
91-73
132.25
51
14.62
53-59
93-68
134.95
S^
15.06
54.81
95-65
137-63
53
15-54
56-04
97-62
140.32
54
16.0S
57-30
99-6o
143.00
55
16.60
.58.59
101.59
145-66
56
17.20
.59-91
103.60
148.31
S7
17.84
61.26
105.62
150-95
58
18.53
62.64
107.64
153-57
50
19.28
64.07
109.68
156.17
60
20.10
6554
1 1 1-73
158.74
5 Years.
92.98
94-81
96.71
98-67
100.70
102.79
104.96
107.18
109.50
1 1 1.87
114.33
116.86
119.48
122.16
124.91
127.75
130.66
133.66
136.75
139.92
143-15
146.46
149-83
15325
156.71
160.18
163.64
167.10
170-54
174.00
177-43
180.82
184.19
T87-54
190.85
194.12
197.34
200.49
203.60
206
3'/2%
Am. Ex.
ILLINOIS STANDARD.
MEAN RESERVES.
FIFTEEN PAYMENT LIFE.
Age 6 years. 7 Years. 8 Years. 9 Years. 10 Years.
21 116,27 , 140.52 165.77 192-05 219.42
22 118.58 143-32 169-08 195.90 223.82
23 120.97 146.22 172.50 199.88 228.38
24 123.44 149.22 176-05 203.99 233.07
25 125.98 152.31 179.71 208.23 237.92
26 128.63 155-51 183-49 212.62 242.92
27 131.35 158.81 187.39 217.15 248.12
28 134-15 162.21 191-41 221.80 253.43
29 137.06 165.74 195-58 226.63 258.04
30 140.04 169.36 199.86 231.58 264.60
31 143-13 173-10 204.26 236.68 270.42
32 146.31 176.95 208.81 241.94 276.41
33 149-59 180.91 213.48 247.34 282.57
34 152.96 184.97 218.26 252.89 288.91
35 156.41 189.14 223.18 258.58 295.39
36 159.96 193.44 228.25 264.43 302.05
37 163.61 197-85 233.44 270.42 308.86
38 167.36 202.38 238.75 276.55 315.81
39 171.22 207.03 244.20 282.81 322.91
40 175.17 211.76 249.74 289.18 330-12
41 179.20 216.60 255.40 295.66 33742
42 183.31 221.51 261.12 302.18 34478
43 187.48 226.49 266.89 308.77 352-19
44 191-70 231.49 272.70 315.38 359.62
45 195-93 236.51 278.51 322.00 367.07
46 200.18 241.54 284.33 328-62 374.51
47 204.41 246.55 290.11 335.20 381.91
48 208.64 251.54 295.88 341.75 389.27
49 212.83 256.48 301.58 348-22 396.52
50 217.03 261.41 30724 354-63 40372
51 221.18 266.28 312.83 360.95 410.80
52 225.27 271.06 3^8.30 367-13 41 7-7 1
53 229.32 275.79 323.69 373.19 424.47
54 233.32 280.42 328.96 379-" 43106
55 237.25 284.95 334.08 384.84 437.45
56 241.10 289.36 339.06 390-39 44360
57 244.86 293-65 34387 395-72 449.47
58 248.52 297.80 348.49 400.80 455.06
59 252.10 30T.80 352.88 405.61 460.31
60 255.55 305-61 357.04 4^0.11 465.18
207
3'49&
Am. Ex.
ILLINOIS STANDARD.
MEAN RESERVES.
FIFTEEN PAYMENT LIFE.
Age
II Years.
12 Years.
13 Years
14 Years.
15 Years.
21
247.91
277-59
308.51
-340.70
374.25
22
252.89
283.17
314-71
347-55
381-77
23
258.04
288.93
321.11
354-63
389-55
24
263.35
294.88
327-73
361.94
397-57
25
268.84
301.03
334-55
369.47
405.84
26
274-48
307-37
341-59
377-^3
414.36
27
280.35
313-92
348.87
385-26
423.16
28
286.36
320.64
356.33
393-49
432.21
29
292.58
327-59
364.05
402.01
441-55
30
298.96
334-73
371-96
410.75
451-14
31
305-52
342.07
380.11
419-73
461.00
32
312.29
349.63
388.50
428.98
471.14
33
319-74
357-39
397-11
438.46
481.52
34
326.38
365-36
405-93
448.16
492.15
35
333-(^7
373-51
4H-95
458.08
503.00
36
341.17
381.85
424.18
468.23
514.08
37
348.82
390.37
433-58
478.54
525-36
38
356.62
399.04
443-14
489.03
536.81
39
364.57
407-85
452.85
499-68
548.45
40
372.62
416.78
462.69
510.45
560.22
41
380.77
425.80
472.62
521-36
572.15
42
388.98
434-89
482.63
532-34
584.18
43
397-25
444-05
492.71
543-41
596.31
44
405-53
453-22
502.83
554-52
608.51
45
413-84
462.42
512.97
565-68
620.78
46
422.12
471.60
523-10
576.84
633.08
47
430.37
480.73
533-20
587.99
645.40
48
438.57
489.83
543.26
599-13
657-71
49
446.65
498.80
553-19
610.12
669.95
50
454-68
507.70
563.06
62 1 .07
682.16
51
462.55
516.42
572.75
631.92
694.29
52
470.24
524.98
582.28
642.54
706.27
53
477.26
533-36
591.62
653.00
718.12
54
485.09
54T-51
600.72
663.26
729.81
55
492.17
549-39
609.55
673.26
741.29
56
498.98
556.96
618.06
682.97
752. s6
57
50548
S64.21
626.25
692.37
763-59
58
5TT.65
57T.09
634.05
701.42
774-39
59
5^7-43
577-.54
641.42
710.11
784.95
60
522.77
58353
648.36
•718.45
795.33
208
3'/2%
Am. Ex.
ILLINOIS STANDARD.
MEAN RESERVES.
TEN PAYMENT LIFE.
Years
4 Years.
5 Years.
80.08
112.81
146.91
81.52
114.87
149.62
82.99
116.98
152.40
84-53
119.19
155-30
86.11
121.46
158.28
87-75
123.81
161.38
89.44
126.24
164.57
91.17
128.73
167.85
92.99
131-33
171.26
94-85
134.00
174-77
96.78
136-75
178.40
98.76
139.61
182.14
100.82
142.54 •
186.00
102.93
145-57
189.97
105.11
148.68
194.05
107-34
151.88
198.25
109.65
155-17
202.57
1 12.01
158.54
207.00
114.44
162.02
211-55
116.94
165.59
216.23
119.50
169.23
221.00
122.12
172.96
225.88
124.78
176.77
230.85
127-53
180.65
235-91
130.31
184.58
241.02
133-12
188.56
246.17
135-98
192.56
251-36
138.82
196.55
256.53
141.68
200.56
261.72
144.56
204.57
266.91
147-44
208.58
272.09
150.31
212.56
277.21
153-15
216.50
282.28
155-97
220.38
287.28
158.75
224.21
292.21
161.50
227.97
297-93
164.21
231.64
301.71
166.85
235.21
306.24
169.42
238.65
310.62
171.90
241.96
SI 4.82
Age. I Year. 2 Years.
21 18.51 48.67
22 18.77 4950
23 19.03 50.36
24 19-31 51-25
25 -19.59 52.18
26 19.89 53-13
27 20.20 54-12
28 20.51 55.12
29 20.84 56.18
30 21.18 57.26
31 21.53 58.39
32 21.89 59.55
33 22.28 60.75
34 22.66 61.99
35 23.06 63.26
36 23.48 64.57
37 23.91 65.92
38 24.35 67.30
39 24.81 68.73
40 25.28 70.20
41 25.76 71.70
42 26.26 7324
43 26.77 74.82
44 27.31 76.45
45 27.86 78.10
46 28.42 79.77
47 29.02 81.50
48 29.63 83.22
49 30.28 84.96
50 30.94 86.72
51 31.64 88.50
52 32.35 90.28
53 3308 92.06
54 33-83 93-84
55 3461 95.62
56 35-41 97.38
57 36.23 99-14
58 37.08 100.88
59 3796 102.60
60 38.86 104.30
209
A1 /
' ^"^.^
ILLINOIS STANDARD.
i/
SVn
MEAN RESERVES.
0^2
i /(J
TEN
PAYMENT
LIFE.
Am.
Ex.
Age
6 years.
7 Years.
8 Years.
9 Years.
10 Years.
21
182.43
219.45
258.03
298.24
340.15
22
185.82
223.54
262.85
303.82
346.52
23
189.30
227.75
267.82
309.58
353-11
24
192.92
232.11
272.97
315.55
359-93
25
196.65
236.63
278.29
321.72
366.98
26
200.53
241.31
283.81
328.11
374-27
27
204.50
246.11
289.47
334.67
381.79
28
208.60
251.07
295.33
341.45
389-54
29
212.87
256.22
301.40
348.48
397-52
30
217.25
261.51
307.63
355.71
405-83
31
221.78
266.99
314.09
3^3-18
414.36
32
226.45
272.62 -
320.73
370-88
423.16
33
231.27
278.43
327.58
378.81
432.22
34
236.23
284.41
334.63
386.97
441.55
35
241.32
290.56
341.87
395-36
451-14
36
246.55
296.88
349.32
403.99
461.00
37
251.94
303.38
356.98
412.86
471.14
38
257.47
310.05
364.84
421.95
481.52
39
263.14
316.89
372.89
431.26
492.15
40
268.96
323.89
381.12
440.78
503.01
41
274.91
331.04
389.53
450.49
514.08
42
280.91
338.32
398.08
460.36
525-35
43
287.13
345-73
406.77
470.40
536.81
44
293.40
353-25
415.59
480.58
548.45
45
299.73
360.83
424.48
490.88
560.23
46
306.09
368.46
433.45
501.27
^l^-'i
47
312.50
376-15
442.50
511-75
584-18
48
318.91
383-85
451.56
522.28
596.30
49
325.32
391-56
460.65
532.86
608.51
50
331.75
399.28
469.75
543.46
620.77
51
338.14
406.96
478-83
554.07
633.09
52
344-47
414-59
487.86
564.65
645-40
53
350.75
422.15
496.82
575.17
^|7-^9
54
356.93
429.61
505-68
585.61
669.95
55
363.01
436.95
514-42
595.95
682.16
56
368.95
444.12
523.00
606. IS
694-27
57
374-73
451.13
531.40
616.18
706.27
58
380.33
457.93
539.58
626.01
718.13
59
385.73
464.48
547.50
635.60
729.81
60
390.89
470.76
555.13
644.92
741.29
3'/2%
ILLINOIS STANDARD.
MEAN RESERVES.
TWENTY YEAR ENDOWMENT.
Am.
Ex.
Age.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
21
22.07
55.<^5
91.24
128.01
166.33
22
21.78
55-66
90.97
127-75
166.08
23
21.49
55-39
90.70
127.49
165.83
24
21.19
55-10
90.43
127.23
165.57
25
20.88
54.80
90.14
126.95
165-30
26
20.55
54.50
89.85
126.68
165.04
27
20.23
54.19
89-56
126.39
164.77
28
19.90
53-86
!9-24
126.10
164.48
29
19-55
53-54
88.94
125.81
164.21
30
19.20
53-21
88.64
125.53
163.94
31
18.83
52.88
88.32
125-23
163.67
32
18.46
52.54
88.02
124.95
163.41
33
18.10
52.21
87.72
124.68
163.16
34
17.71
51-87
87.41
124.41
162.92
35
17-33
51-53
87-13
124.16
162.69
36
16.94
51.20
86.84
123.92
162.49
37
16.55
50.87
86.57
123.69
162.30
38
16.16
50.56
86.32
123.50
162.17
39
15-78
50.26
86.09
123.34
162.07
40
15.40
49.97
85.90
123.24
162.03
41
15.01
49.70
85-74
123.16
162.03
42
14.64
49.46
8 s. 6 1
123.13
162.08
43 ■
14.27
49.24
85-52
123.15
162.18
44
13.93
49.06
85-48
123.22
162.34
45
13.60
48.91
85-47
123.34
162.54
46
13-30
48.79
85-52
123-51
162.78
"^l
13.02
4!-73
8S.61
123.71
163.05
48
12.77
48.69
85-74
123.95
163.37
49
12.59
48.70
85-92
124.26
163.75
50
12.44
48.78
86.17
124.64
164.23
51
12.35
48.93
86.51
125.12
164.79
52
12.31
49.15
86.93
125.69
165.45
53
12.32
49-43
87.44
126.36
166.21
54
12.41
49-82
88.06
127.16
167.12
55
12.58
50.31
88.80
128.08
168.18
3'/2%
ILLINOIS STANDARD.
MEAN RESERVES.
TWENTY YEAR ENDOWMENT.
Am. l'
Age 6 years. 7 Years. 8 Years.
21 206.26 247. (S7 291.26
22 206.01 247.63 291.02
23 205.77 247.40 290.79
24 205.52 247.15 290.54
25 205.26 246.91 290.31
26 205.02 246.67 290.08
2y 204.75 246.40 289.82
28 204.47 246.14 289.57
29 204.21 245.89 289.32
30 203.96 245.64 289.08
31 203.70 245.40 ' 288.84
32 203.47 245.19 288.62
Z3 20^.27, 244.95 288.41
34 203.00 244.74 288.20
35 202.80 244.56 288.04
36 202.63 244.41 287.90
Z7 202.48 244.29 287.80
38 202.39 244.23 2^7.76
39 202.34 244.22 287.77
40 202.35 244.25 287.81
41 202.40 244.34 287.92
42 202.51 244.48 288.05
43 202.67 244.66 288.21
44 202.87 244.87 288.40
45 203.11 245.11 288.60
46 203.39 245.38 288.84
47 203.69 245.69 289.10
48 204.04 246.03 289.39
49 204.45 246.43 289.74
50 204.97 246.92 290.16
51 205.56 247.50 290.67
52 206.25 248.16 291.25
53 207.06 248.95 291.96
54 208.01 249.88 292.79
55 209.11 250.94 293.74
9 Years.
10 Years.
336.48
383.62
336.24
383-38
336.02
383-17
335-78
382.94
335-55
382.71
33S-32
382.47
335-07
382.24
334-82
381.99
334-58
381.75
334-34
381.51
334.10
381.27
333-88
381.05
333(V
380.84
333-48
380.66
33332
380.49
333-20
380.37
333-IO
380.27
333-06
380.22
333-07
380.20
333-Ti
380.22
333-19
380.24
333-29
380.29
333-41
380.34
333-54
380.38
333-68
380.43
333-85
380.50
334-03
380.57
33^-23
380.64
334-47
380.74
334-79
380.91
335-17
381.12
33S<^2
381.38
33^^-'^7
3^1.72
336.84
382.16
337-^'^
382.70
212
3'/2%
Am. Ex.
ILLINOIS STANDARD.
MEAN RESERVES.
TWENTY YEAR ENDOWMENT.
Age. II Years.
21 432.7;
22 432-54
^Z AZ2.2,i
24 432. u
25 431-89
26 431.65
27 43143
28 431.17
29 430.93
30 430.69
31 430.45
32 430-22
Z2, 430.02
34 429.82
35 429-65
36 429.52
37 429.40
38 429.32
39 429.26
40 429.23
41 429.18
42 429-15
43 429-11
44 429-04
45 428.98
46 428.92
47 428.84
48 428.76
49 428.69
50 428.67
51 428.67
52 428.6()
53 428.77
54 428.94
55 429-16
12 Years.
13 Years.
14 Years.
15 Years.
484.03
537-50
593-26
651-45
483.80
537-27
593-05
651-25
483.60
537-08
592-87
651.09
483-38
536.87
592.67
650.89
483-17
536.66
592.47
650.71
482.96
536.45
592.26
650.51
482.71
536.21
592.03
650.28
482.46
535-96
591-78
650.04
482.21
535-71
591-53
649.81
481.98
535-48
591-30
649-58
481.73
535-22
591.04
649.32
481.50
534-98
590.81
649.09
481.29
534-77
590.58
648.86
481.09
534-55
590-34
648.60
480.91
534-35
590.12
648.35
480.75
534-16
589-90
648.10
480.60
533-97
589.66
647.81
480.48
533-80
589.42
647.52
480.36
533-61
589-17
647.20
480.25
533-42
588.89
646.85
480.12
533-19
588.58
646.46
479-99
532.96
588.24
646.03
479.84
532.70
587.86
645-55
479.66
532.39
587-42
645.00
479-46
532.04
586.93
644-38
479.26
531-69
586.43
643-74
479-01
531-27
585-83
642.99
478-75
530-81
585-19
642.16
478-48
530-33
584-48
641.28
478-24
529-84
583-75
640.33
477-96
529-31
583.00
639-33
477-74
528.80
582.17
638.25
477-54
528.27
58r.^o
(^^?>707
477-38
527-75
580.42
63584
477.22
527-19
579-44
634.48
213
f\\/ g^^ ILLINOIS STANDARD.
■ ry^Tk MEAN RESERVES.
^ ^ /^ TWENTY YEAR ENDOWMENT.
Am. Ex.
Age.
16 Years.
17 Years.
18 Years.
19 Years.
20 Years.
21
712.18
775-56
841.76
910.89
983-09
22
711.99
775-40
841.O2
910.80
983-09
23
711.84
775-28
841-54
910.75
983.09
24
711.67
775-13
841.41
910.68
983.09
25
711.50
774-98
841.31
910.63
983.09
26
711.32
774.82
841.16
910.53
983-09
27
711. II
774-65
841.04
910.44
, 983-09
28
710.88
774-45
840.89
910.37
983.09
29
710.66
774.28
840.72
910.27
983.09
30
710.44
774-05
840.57
910.18
983-09
31
710.20
773.82
. 840.38
910.06
983.09
32
709.97
773-61
840.20
909-94
983-09
33
709.73
773-39
840.01
909.83
983.09
34
709.47
773-13
839-79
909.60
983.09
35
709.21
772.S7
839-57
909-54
983.09
36
708.93
772.59
839-32
909-39
983.09
37
708.61
772.26
839-02
909.18
983-09
38
708.28
771-93
838.73
909.00
983-09
39
707.91
771-55
838.39
908.78
983-09
40
707.52
771.14
838.02
908.54
983-09
41
707.06
770.67
837-60
908.26
983.09
42
706.57
770.16
837-15
907.97
983.09
43
706.00
769-56
836.63
907.62
983.09
44
705-39
768.94
836.06
907-24
983-09
45
704.68
768.21
835-40
906.81
983.09
46
703-94
767-44
834-70
906.33
983-09
47
703.08
766.54
833-92
90583
983.09
48
702.13
765-58
833-04
905.24
983-09
49
701.12
764-5 T
832.08
904.61
983.09
50
700.03
763-37
831.02
903.90
983.09
51
698.82
762.09
829.87
903- T 3
983.09
52
697-55
760.72
828.61
902.27
983.09
53
696.14
759.21
827.21
9OT. 32
983.09
54
694.64
757-57
825.67
900.28
983.09
55
692.96
755-75
823-99
899.13
983-09
214
3'/2%
Am. Ex.
ILLINOIS STANDARD. '
MEAN RESERVES.
FIFTEEN YEAR ENDOWMENT.
Age.
I Year.
2 Years
21
38.16
88.83
22
37.88
88.55
23
37.58
88.26
24
Z7-^7
87.96
25
36.95
87.65
26
36.62
87.33
27
36.29
87.01
28
35.95
86.67
29
35.59
86.32
30
35.22
85.97
31
34.84
85.61
32
34.45
85.23
33
34.06
84.85
34
3365
84.46
35
33-24
84.06
36
32.81
83.65
32.38
83.25
38
31.95
82.83
39
31.50
82.41
40
31.05
82.00
41
30.60
81.59
42
30.15
81.19
43
29.69
80.78
44
29.24
80.40
45
28.80
80.03
46
28.37
79.66
47
27.96
79.31
48
27.56
78.97
49
27.20
78.65
50
26.86
78.35
51
26.56
78.08
52
26.29
77.84
53
26.05
77.63
54
25.86
77.46
55
25.73
77.35
56
25.64
77.28
57
25.62
77.28
58
25.66
77.35
59
25.79
77.49
60
26.00
77.72
3 Years.
141.64
141.36
[41.08
140.80
140.49
140.18
139.87
139.53
139.20
138.86
138.50
138.13
m-17
137.40
137.01
1 36.62
136.23
135.82
135.43
^35.05
[3468
134.31
133.95
133.61
133.27
132.94
132.62
132.30
31.98
31.39
31.14
30.90
30.71
54
[30.65
Years.
196.69
196.42
196.15
195.87
195.58
195.27
194-97
194.64
194.32
193.98
193.63
193.28
192.93
192.57
192.19
191.81
191.42
191.04
190.66
190.30
189.95
189.60
189.27
188.95
188.63
188.31
187.98
187.63
187.28
186.94
186.61
186.29
185.98
185.70
185.44
185.24
185.07
184.95
184.89
184.90
Years.
254.08
253-83
253.56
253.29
253.00
252.71
252.42
252.10
251.78
251.45
251. II
250.77
250.42
250.07
249.69
249.32
248.94
248.57
248.20
247.86
247.52
247.19
246.85
246.54
246.21
245.86
245.48
245.09
244.67
244.26
243.84
243-42
242.99
242.58
242.19
241.82
241.47
241.15
240.87
240.65
215
3 '4%
ILLINOIS STANDARD.
MEAN RESERVES.
FIFTEEN YEAR ENDOWMENT.
Am.
Ex.
Age
6 years.
7 Years.
8 Years.
9 Years.
10 Years.
21
^^?^-')^
?^7^^-^^
44t.3<>
509.27
580.08
22
m-^7
376.08
441.18
509.06
579-88
23
31342
375-83
440.93
508.84
579.68
24
3i3-i'^>
375-59
440.70
508.62
579.48
25
312.88
7.7S-2.2
440.44
508.38
579.25
26
312.61
375-06
440.19
508.14
579.02
2-]
312.31
374-77
439.92
507.88
578.80
28
312.00
374-48
439.64
507.61
578.54
29
311.70
374-18
439-35
507-34
578.28
30
311-37
373-86
.439.04
507-05
578.02
31
3 ".05
373-55
438.74
506.75
577.74
7^^
310.71
373-21
438.41
506.44
577-44
33
3 T 0.36
372.87
438.08
506. 1 1
577-12
34
310.02
372.53
437.74
505.79
576.82
35
309.64
372.16
437.38
505.43
576.48
36
309.27
371.80
437-02
505-08
576.15
37
308.91
371-44
436.66
504.73
575.80
38
308.54
371.08
436.30
504.36
575-43
39
308. T 8
370.72
435.94
504.00
575-06
40
.307.84
1>1^-Z7
435-57
503.62
574.67
41
307-50
370.02
435-21
503.23
574.25
42
307.16
369.66
434.82
502.80
573-79
43
306.82
369.29
434.41
502.33
573.28
44
306.48
368.90
43396
501.83
S7^-72
45
306.11
368.47
433.46
501.26
572.ro
46
305-70
367.90
432.90
500.63
57T.41
47
305.26
367.47
432.28
499.92
570.63
48
304.80
366.92
431.64
499.17
569.80
49
304.28
366.30
430.90
498.32
568.86
50
303-78
365.66
430.13
497-43
567.86
51
303-24
364.99
429.30
496.46
566.77
52
302.67
364.26
428.41
495.39
565.56
53
302.10
363.5 f
427.47
494.26
564.27
54
30T.53
362.74
426.47
493.05
562.88
55
300.94
361.93
425.41
491.75
561.38
5^^
300.36
36T.09
424-3 T
490.39
559.78
57
299.77
360.23
423-16
488.93
558.05
58
299.20
359.36
421.95
A^y.?.^
556.19
59
298.64
358.46
420.67
485.72
5.54.18
60
298.10
357-53
419.32
483.9^
551.98
2l6
y/2%
Am. Ex.
ILLINOIS STANDARD.
MEAN RESERVES.
FIFTEEN YEAR ENDOWMENT.
Age.
II Years.
21
^53 -94
22
653-77
23
653-59
24
653-41
25
653-21
26
653.00
27
652.81
28
652.59
29
652-35
30
652.10
31
651.84
32
65 • -57
33
651.28
34
651.00
35
650.68
36
650.37
37
650.04
38
640.68
39
649-32
40
648.92
41
648.49
42
648.01
43
647-49
44
646.90
45
646.25
46
645-53
47
644.71
48
643-85
49
642.85
50
641.80
51
640.64
52
639.34
53
637-^^5
54
636.45
55
634.81
56
633-05
57
63 • • ' 3
58
629.06
59
626.80
60
624.31
12 Years. 13 Years.
731.01 811.45
730.87 811.35
7^o.y2 811.24
730.58 811.14
730.41 81 1. 01
730.25 810.88
730.08 810.76
729.88 810.60
729.68 810.45
729.46 810.28
729.24 810.12
729.01 809.93
728.75 809.73
728.52 809.55
728.23 809.32
727.94 809.09
727.65 808.85
727.^2 808.58
726.97 808.28
726.60 807.97
726.18 807.62
72^.72 807.22
725.21 806.79
724.65 806.31
724.02 '^oc,':'jy
723.31 805.17
722. S2 804.49
721.68 803.78
720.70 802.93
719.67 802.04
718.51 80T.O4
717.25 799.94
715.88 798.74
7 1 4.-38 707-43
712.73 70509
710.95 704-41
709.00 7<)2.67
706.88 700.77
704.54 788.66
701 96 786.33
4 Years.
15 Years.
895-42
983.09
895-37
983.09
895-31
983-00
895-25
983.09
895.18
983.09
895-11
■ 983.09
895-03
983.09
894-95
983.09
894-86
983-09
894-76
983.09
894.65
983.09
894-55
983.09
894.43
983.09
894.33
983.00
894.18
983.09
894-05
983.09
893.91
983.09
893-73
983.09
893-55
983-09
893-35
983.09
893-13
983.09
892.88
983.09
892.60
983.09
892.30
983.09
891.96
983.09
891.58
983.09
891.13
983.09
890.71
983.09
890.14
983.09
'^^^r-:.7
983.09
888.96
983.09
?!?^'?^.22
983.09
887.44
983.09
886.59
983-09
885.65
983.09
884.61
<)83. 09
^HA7
983.09
^^(^2.20
983.09
880.81
983.09
879-25
983.09
217
3'/2%
ILLINOIS STANDARD.
MEAN RESERVES.
TEN YEAR ENDOWMENT.
Am.
Ex.
Age.
I Year.
2 Years.
3 Years
4 Years.
5 Years.
21
71. iS
1 56.29
245.03
337.58
434.11
22
70.90
1 56.02
244.78
337-35
433.90
23
70.60
155-74
244.52
^^IV
433.68
24
70.30
155-45
244.25
336.85
433-45
25
69.98
155-15
243.96
336.59
433-21
26
69.66
154-84
243-67
336.32
432.97
27
69-33
154-52
243-37
33604
432.71
28
68.98
154.18
243-04
335.73
432.42
29
68.62
153.84
242.72
335.43
432.15
30
68.26 •
153-49
242.38
335.10
431.84
31
67.87
153.12
242.03
334.77
431.54
32
67.48
152.74
241.66
334.43
431.23
33
67.09
152.36
241.30
334-09
430.91
34
66.67
151-95
240.91
333.71
4.30.56
35
66.2 s
151-55
240.52
333-34
430.20
36
65.8\
1 5 1 . 1 1
240.09
332.93
429.81
67
65-35
150.67
239.66
332.50
429.41
38
64.90
150.22
239.22
332.08
429.01
39
64.42
149.74
238.75
331.62
428.57
40
63-94
149.27
238.28
331.17
428.14
41
63-44
148.78
237.80
330.69
427.67
42
62.94
148.28
237.30
330.20
427.19
43
62.42
147.77
236.79
329.69
426.69
44
61.91
147.26
236.29
329.18
426.17
45
6T.39
146.74
235.75
328.63
425.61
46
60.87
146.21
235.20
328.06
425.00
47
60.36
T 45.69
234.64
^Z^lAl,
424.34
48
59-85
145.13
234.02
326.76
423.62
49
59-37
144.59
23340
326.06
422.85
50
S8.89
144.03
232.74
325.31
422.02
51
58.43
143.46
232.06
324.51
421.13
52
57-90
142.90
231.36
323.67
420.18
53
57-56
142.31
230.62
322.77
419.13
54
57-15
141.74
229.86
321.83
418.04
55
56.76
141.16
229.06
320.82
416.87
56
56.40
140.57
228.23
319.76
415.60
57
56.07
139.98
227.38
318.64
414.24
58
55-76
i39..^9
226.48
^^l^i
412.75
59
55-50
138.81
225.55
316.T6
41 1. 19
60
55-29
138.24
224.59
314.82
409.52
218
3'/2%
Am. Ex.
ILLINOIS STANDARD.
MEAN RESERVES.
TEN YEAR ENDOWMENT.
Age
6 years.
21
534-79
22
534-61
23
534-44
24
534-22
25
534-01
26
53380
27
533-57
28
533-3"
29
533-07
30
532.79
31
532-54
32
532.25
33
531-96
34
531-64
35
531-32
36
530.96
37
530-59
38
530.23
39
529-81
40
529-41
41
528.98
42
528.51
43
528.03
44
527-52
45
526.96
46
526.34
47
525-66
48
524-92
49
524.10
50
523-24
51
522.30
52
521.28
53
520.16
54
518.97
55
517.68
56
516.27
57
5U-75
58
513-08
59
5H-3I
60
509-39
7 Years. 8 Years.
639.82 749.41
639.68 749.31
639-51 749-18
639-35 749-05
639.18 748.94
639.02 748.82
638.81 748.66
638.60 748.51
638.40 748.36
638.17 748.18
637.96 748.02
637-71 747-84
637-46 747-65
637-19 747-44
636.92 747.24
636.61 746.99
636.28 746.74
635-98 746.51
635.61 746.21
635-25 745-92
634.86 745-61
634-44 745-27
634.00 744-90
633-51 744-50
632.99 744-06
632.39 743-55
631-75 743-01
631.03 742.40
630.25 741-74
629.40 741.00
628.47 740.21
627.47 739.34
626.36 738.38
625.^7 737.34
623.88 736.19
622.44 734-93
620.90 733.57
619.20 732.05
617-37 7V^.40
615.37 728.60
9 Years.
10 Years.
863.76
983.10
863.71
983.10
863.64
983.10
863.56
983.10
863.50
983.10
863.44
983.10
863-35
983.10
863.25
983.10
863.18
983.10
863.06
983.10
862.98
983.10
862.87
983.10
862.77
983.10
862.65
983.10
862.54
983.10
862.39
983.10
862.24
983.10
862.11
983.10
861.91
983.10
861.75
983.10
861.56
983.10
861.34
983.10
861.12
983.10
860.87
983.10
860.59
983.10
860.28
983.10
859.94
983.10
859.54
983.10
859.13
983.10
858.66
983.10
858.15
983.10
857-59
983.10
856.97
983.10
856.30
983.10
855-56
983.10
854-74
983.10
853-85
983.10
852.84
983.10
851.75
983.10
850.56
983.10
^'4%
Am. Ex.
MICHIGAN and TENNESSEE
STANDARD.
The minimum standard for preliminary term policies adopted
by the legislatures of Michigan and Tennessee differs from that of
Illinois, only in the following special exception:
Endowments with premium-paying periods of 20 years cr
longer, full preliminary term.
VA
'%
:HIGAN and TENNESSEE STAND.
TERMINAL RESERVES.
ft.KD.
\3^2
W^
TWENTY
YEAR ENDOWMENT.
Am.
Ex.
Age.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
0.0a
35-23
71-93
110.18
150.04
21
0.00
35-22
71.92
110.17
150.02
22
0.00
35-22
71.92
110.16
150.00
23
0.00
35-22
71.92
110.15
149.99
24
0.00
35-22
71.92
110.14
149.98
25
0.00
35-22
71.92
110.14
149-97
26
0.00
35-22
71.92
110.14
149.97
27
0.00
35-22
71.92
110.14
149-97
28
0.00
35-23
71-93
110.15
149.97
29
0.00
35-24.
71.94
110.16
149.98
30
0.00
35-25
71.96
110.18
150.00
31
0.00
35-26
71.98
110.20
150.02
32
0.00
35-27
72.01
110.24
150.06
33
0.00
3529
72.05
110.29
150.11
34
0.00
35-32
72.09
110.35
150.17
35
0.00
35-35
72.14
110.42
150.25
36
0.00
35-39
72.20
110.51
150.35
37
0.00
35-43
72.28
110.62
150.48
38
0.00
35-48
72.38
110.75
150.64
39
0.00
35-54
72.50
110.91
150.85
40
0.00
35-62
72.64
111.11
151.09
41
0.00
35-72
72.81
1 1 1-35
151-38
42
0.00
35-83
73.01
1 1 1 .63
151.70
43
0.00
35-95
73-24
111.94
152.04
44
0.00
36.08
73-49
112.27
152.43
45
0.00
36.23
73-75
112.62
152.82
46
0.00
36.39
74.02
112.98
153-21
47
0.00
36.56
74-30
113-34
153-60
48
0.00
36.73
74-59
113.71
154.00
49
0.00
36.91
74.90
114.09
154-4^
50
0.00
37.10
75-23
114.49
154.86
5t
0.00
37-29
75-58
114.92
155.35
52
0.00
37-50
75-95
115-39
155-87
5^
0.00
37-73
76.35
1 15-91
156.44
54
0.00
37-98
76.79
116.48
T 57-07
55
0.00
38.25
77.27
117.10
157-75
5^>
0.00
38.55
77-80
117.78
158.51
57
0.00
38.88
78.38
118.52
159-32
58
0.00
3923
79.00
119.31
l60A?>
59
0.00
39.60
79-65
120.15
161. II
60
0.00
40.00
80.34
121.05
162.11
222
1 ^iTW MICHIGAN AND TENNESSEE STANDARD.
^^ ^^ TERMINAL RESERVES.
3'/2%
Am. Ex.
TWENTY YEAR ENDOWMENT.
Age 6 years. 7 Years.
20 191.58 234.87
21 191-55 234.84
22 191.53 234.81
23 191. 5 1 234.78
24 191-49 234.75
25 191.48 . 234.73
26 191-47 234.71
27 191.46 234.69
28 191.45 234.68
29 191.46 234.68
30 191-47 234.68
31 191.49 234.69
32 191-52 234.71
33 191-56 234.75
34 191.62 234.81
35 191-70 234.89
36 191.81 235.00
37 191-95 235.14
38 192.13 235.32
39 192-35 235.54
40 192.62 235.81
41 192.94 236. T2
42 193-29 236.46
43 193-66 236.82
44 194.05 237.19
45 194-44 237.52
46 194.82 237.89
47 195-20 238.22
48 195-59 238.56
49 196.00 238.91
50 196.44 239.28
51 196.91 239.68
52 197-42 240.12
53 197-98 240.60
54 198.60 241.13
55 199-28 241.72
56 200.02 242.38
57 200.82 243.08
58 201.68 243.82
59 202.59 244.60
60 203.54 245.41
8 Years.
9 Years.
10 Years.
280.00
327-05
376.09
279-95
327.00
376-03
279.91
326.95
375-97
279-87
326.90
375 Q I
279.84
326.85
375-85
279.81
326.80
375-79
279.78
326.75
375-73
279-75
326.71
375-68
279.73
326.68
375-63
279.71
326.65
375-58
279.70
326.62
375-53
279.70
326.60
375-49
279.71
326.59
375-46
279.73
326.60
375-44
279.77
326.62
375-45
279.84
326.67
375-47
279.94
326.75
375-52
280.08
326.87
375-60
280.26
327.02
375-71
280.48
327.20
375-84
280.73
327-41
375-98
281.01
327.64
376.11
281.31
327.86
376.24
281.61
328.07
376.35
281.90
328.27
376.43
282.17
328.45
376-47
282.43
328.60
376.48
282.68
328.73
376.46
282.93
328.84
376.41
283.18
328.94
376.34
283.44
32905
376.25
283.72
329.17
376.11
284.03
329.30
376.01
284.38
329-44
375-92
284.77
329.61
375-8T
285.20
329.81
3/5-71
285.67
330.03
375-59
286.17
330.26
375-44
286.70
330.47
375-23
287.24
330.65
374-94
287.78
330.78
374-55
223
3'/2%
Am. Ex.
MICHIGAN AND TENNESSEE STANDARD.
TERMINAL RESERVES.
TWENTY YEAR ENDOWMENT.
13 Years. 14 Years. 15 Years.
536.21 594.26 654.81
536.12 594.16 654.71
535-03 594-06 654.61
535-94 593-9^ 654.51
535-85 593-86 654.40
535-75 593-75 654.28
535-65 593-63 654.15
535-54 593-50 654.01
535-42 593.37 653.87
5;35-30 593-24 653.72
535-18 593.10 653.56
535-06 592.96 653.40
534-95 592.83 653.24
534.84 592.69 653.05
534-73 592.55 652.87
534-63 592-40 652.67
534-53 592.24 652.45
534-43 592.03 652.21
534-31 591-82 651.93
534.18 591.58 651.60
534.02 591.31 651.21
533-81 590.98 650.77
533-55 590-59 650.27
533-23 590.13 649.69
532.85 589.62 649.02
532.41 589-00 648.26
531.88 588.29 647.40
531.27 587.48 646.43
530.58 586.57 645.34
529.80 585.56 644.12
528.94 584.45 642.78
528.01 58323 64T.31
527.00 581.89 639.70
525.90 580.43 637.93
524.69 578.82 635.97
523-36 577-05 633.85
521.89 575.09 631.42
520.24 572.88 628.75
518.36 570.38 625.75
516.2T 567.62 622.45
513.83 564.63 618.94
Age.
II Years.
12 Years.
20
427.24
480.57
21
427.17
480.49
22
427.10
480.41
^2,
427.03
480.33
24
426.96
480.25
25
426.89
480.16
26
426.81
480.07
27
426.73
479.98
28
426.65
479-89
29
426.58
479-80
30
426.51
479-70
31
426.45
479-60
32
426.40
479-52
33
426.36
479-45
34
426.34
479-39
35
426.34
479-34
?>^
426.35
479-30
?>7
426.38
479-27
38
426.43
479.24
39
426.46
479-20
40
426.50
479-14
41
426.55
479-05
42
426.55
478-93
43
426.52
478.77
44
426.46
478.56
45
426.36
478.29
46
426.21
477-95
47
426.00
477-54
48
425.74
477-06
49
425.44
476.53
50
425.12
475-95
51
424-77
475-31
52
424-39
474.62
53
423.98
473-87
54
423-54
473.06
55
423-07
472-17
56
422.55
471.19
57
421.96
470.09
58
421.27
468.83
59
. 420.40
467-34
60
419-41
465.67
224
3'/2%
Am. Ex.
MICHIGAN AND TENNESSEE STANDARD.
TERMINAL RESERVES.
TWENTY YEAR ENDOWMENT.
Age.
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
6 Years.
17 Years.
18 Years
717.01
783-99
852.87
717.91
783.90
852.80
717.S1
783.81
852.73
717.71
783-71
852.65
717.61
783.61
852-57
717.48
783-49
852.47
717-35
783-36
852.36
717.21
783-23
852.25
717.06
783-09
852.14
716.90
782.94
852.01
716.73
782.77
851.86
716.57
782.59
851.70
716.36
782.41
851-53
716.18
782.21
851-34
715-95
781.99
851-13
715-72
781.74
850.90
715-45
781-45
850.64
715-15
781.12
850-35
714.81
780.75
850.02
714-43
780.33
849.65
713-99
779-86
849.23
713-49
779-33
848.76
712.88
778-73
848.20
712.24
778-05
847-59
711.47
777-28
846.90
710.61
776.41
846.13
700.64
775-43
845.29
708.56
774-33
844.29
707-35
773.10
843.20
70599
77^-73
842.00
704-49
770.22
840.65
702.87
768.56
839.19
701.07
766.70
837-54
699.06
764.66
835-71
696.90
762.40
833-67
694-44
759-89
831-43
691-73
757-^1
828.95
688.70
754-03
826.26
685.38
750.66
823.26
681.79
747.00
810.09
677-95
743- 10
816.45
ig Years.
924.83
924.79
924-75
924.70
924.64
924-57
924.50
924.43
924-35
924.26
924.19
924.09
923.96
923-85
923.72
923-57
923.40
923.18
922.96
922.71
922.45
922.13
921.78
921.38
920.93
920.43
919.84
919.23
918.51
917.71
916.83
915.86
914.78
913-57
912.24
910.75
909. 1 2
90732
90533
003.15
900.75
20 Years.
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1 000.00
1000.00
1 000.00
1000.00
1000.00
1 000.00
1000.00
1000.00
1000.00
1000.00
1 000.00
1 000.00
1 000.00
1 ooo.oo
1 000.00
1 000.00
1000.00
1000.00
1000.00
1000.00
1000.00
1 000.00
1000.00
225
MICHIGAN AND TENNESSEE STANDARD.
MEAN RESERVES.
TWENTY YEAR ENDOWMENT.
3 Years. 4 Years. 5 Years.
74.26 111.74 15079
74.28 1 1 1.75 150.80
74.30 1 1 1.76 150.81
74.32 1 1 1.78 150.82
74.35 1 1 1.80 150.84
74.38 111-83 150.86
74.41 1 1 1.86 150.89
74.45 1 1 1.90 150.93
74.49 1 1 1.95 150.97
74.54 1 12.01 151.02
74.60 112.08 151.08
74.67 112. 13 151-16
74.75 112.25 151.25
74.84 112.35 151.36
74.94 112.47 151-49
75.06 1 12.61 151.64
75.20 112.77 151-82
75.36 112.96 152.03
75-55 113-18 152.29
75-77 "3-45 152.60
76.02 113.77 152.97
76.30 114-14 153.40
76.62 114.55 153-88
76.90 115.00 154-41
77.41 115.50 154.98
77.88 116.05 155-59
78.39 116.67 156.27
78.93 117.29 156.94
79.51 117.98 157-69
80.14 11^.72 158.49
80.83 119.53 159.36
81.59 120.41 160.31
82.43 121.38 161.35
83.35 122.45 162.49
84.36 123.62 163.75
85.48 124.91 165.14
86.71 126.33 166.67
88.06 127.88 168.34
89.53 129.57 170.16
97.13 131.41 172.14
92.88 133.41 174.29
3'^
Am.
HIGAN AI
M
TWENl
Age.
I Year.
2 Years.
20
ZT7
38.30
21
3-79
38.32
22
3.82
38.34
23
3-84
38.36
24
3-87
38.39
25
3-89
38.42
26
, 3-93
38.45
27
3-96
38.49
28
3-99
38.53
29
4-03
38.57
30
4.07
38.62
31
4.11
38.68
32
4.16
38.74
33
4.21
38.81
34
4.27
38.89-
35
4-32
38.98
36
4-39
39-09
37
4.46
39.21
38
4-54
39-35
39
4-63
39-51
40
4-73
39.69
41
4.83
39-89
42
4-95
40.12
43
5-08
40.38
44
5-23
40.67
45
• 5-39
40.99
46
5-58
41-35
47
5.80
41.75
48
6.04
42.19
49
6.33
42.68
50
6.65
43-22
51
7.02
43-81
52
7-43
44.47
53
7-89
45-^9
54
8.40
45-99
55
8.97
46.84
56
9.60
47.81
S7
10.31
48.90
S^
IT. 08
50.04
50
11.94
5T.32
60
12.89
52.74
226
3'/2%
Am. Ex.
MICHIGAN AND TENNESSEE STANDARD.
MEAN RESERVES.
TWENTY YEAR ENDOWMENT.
Age 6 years. 7 Years. 8 Years. 9 Years. 10 Yeais.
20 19149 -'33-90 278.11 3-24-20 372-25
21 191.48 233.89 278.10 324-17 il^~^
22 191-49 '^Z}y'^^) 278.09 324-15 372-18
23 191.50 233.89 278.08 324.13 372.1^
24 191-51 233.90 278.08 324-12 n^-"^^
25 191.53 233.91 278.08 324.11 372.10
26 191.55 233.92 278.08 324-10 372-08
27 191.58 233.94 278.09 324.10 z7^-^7
28 191.62 233.97 278.11 324-11 372.06
29 191.67 234.01 278.14 324-13 372-36
30 191-73 234.06 278.18 324-16 372-07
31 191.80 234.13 278.23 324-20 372-09
32 191.89 234.22 278.30 324-26 372-12
33 192.00 234.33 278.39 324-34 Zl^-^l
34 192-13 234.46 278.51 324.44 372.25
35 192-29 234.62 278.66 324.58 zji.-^-]
36 192.48 234.80 278.86 324.76 372.53
37 192-71 235.04 279.11 324.98 372.73
38 192-99 235.33 279.40 325.25 372.97
39 193.32 235.68 279.74 325.57 373.25
40 193-71 236.09 280.14 325-94 373-56
41 194-19 236.56 280.59 326.35 373.90
42 194.70 237.08 281.09 326.79 374-26
43 195.26 237.65 281.62 327.25 374.61
44 195-87 238.25 282.15 327.72 374.96
45 196.51 238.86 282.73 328.20 ziS-Z^
46 197-18 239.52 283.34 328.69 375.69
47 197.88 240.18 283.93 329.20 376.07
48 198.64 240.91 284.58 329-73 376.47
49 199-45 241.68 285.28 330.29 376.88
50 200.33 242.51 286.03 330.90 377-31
51 201.30 243.46 286.86 331.61 377.79
52 202.36 244.45 287.78 332.34 378.34
53 203.53 245.58 288.80 333.19 378.96
54 204.82 246.83 289.96 334-17 379-66
55 ' "
206.24 248.21 291.19 335-18 380.45
56 207.80 249.72 292.54 336.38 l^^-l},
57 209.50 251.37 294.06 337.65 382.28
58 211.36 253.16 295.69 339.01 383.28
59 213.36 255.09 297.44 340.44 384.32
60 215.54 257.17 299.31 34i'.99 385.39
227
3'/a
%
CHIGAN AND TENNESSEE STANDI
MEAN RESERVES.
^RD.
/yj
TWENTY YEAR ENDOWMENT.
Am.
Ex.
Age
II Years.
12 Years.
13 Years
14 Years.
15 Years.
20
422.35
474-59
529.08
585-92
645.21
21
422.30
474-53
529.01
585-83
645-13
:i2
422.26
474-48
528.95
585-77
645.06
23
422.22
474-43
528.89
585-70
644-98
24
4^2.18
474-38
528.83
585-63
644.90
25
422.14
474-33
528.77
585-55
644.81
26
422.11
474-28
528.71
585-47
644-71
2-]
422.08
474-23
528.64
585-39
644.61
28
422.06
474-19
528.57
• 585-31
644.51
29
422.04
474-15
528.50
585-22
644.41
30
422.02
474.11
528.44
• 585-13
644-31
31
422.02
474.08
528.39
585-04
644-21
32
422.03
474-07
528.35
584-98
644.11
33
422.06
474-07
528.32
584.92
644.01
34
422.11
474.09
528.31
584.86
643-91
35
422.19
474-14
528.32
584-82
643-81
36
422.30
474-21
528.34
584-78
643-71
Z7
422.45
474-31
528.37
584-73
643-60
38
422.63
474-43
528.40
584-67
64347
39
422.83
474-56
528.43
584.60
643-31
40
423.05
474.69
528.45
584-51
643.11
41
423.29
474-82 •
528.46
584-39
642.88
42
423-54
474-94
528.45
584-24
642.62
43
423-78
475-04
528.41
584-05
642.31
44
424.02
475-13
528.34
583-82
641.94
45
424-25
475-20
528.23
583-54
641.51
40
424-47
475-24
528.07
583.21
641.01
47
424.68
475-26
527-87
582.83
640.44
48
424.89
475-25
527-64
582.40
639.81
49
425.09
475-24
^^7-V7
581.92
639.11
50
425-32
475-23
527-08
581.39
638-35
51
425-58
475-21
526.78
580.80
637-51
52
425.88
475-22
526.47
580.16
636.58
53
426.23
475-24
526.15
579-47
635-56
54
426.63
475-28
525-81
578-72
634-42
55
427.09
475-34
525-45
577-92
633.18
56
427.60
475-42
525-05
577-04
631.80
57
428.13
475-46
524-58
576.02
630.24
58
428.68
475-45
5 24-0 T
574.81
628.48
59
429.21
475-38
523-28
573-44
626.55
60
429-73
475-23
522.45
571-95
624.49
228
f\\/ g^^ MICHIGAN AND TENNESSEE STANDARD.
■ /"y^Srh MEAN RESERVES.
" ^ / ^ TWENTY YEAR ENDOWMENT.
Am. Ex.
Age. i6 Years. 17 Years. 18 Years. 19 Years. 20 Years.
20 707.09 771.68 839.11 909-54 983.10
21 707.01 771.60 839.04 909.49 983.10
22 706.94 771-54 838.98 909.46 983.10
23 706.86 771-46 838.92 909.42 983.10
24 706.78 771.38 838.86 909.38 983.10
25 706.69 771.29 838.79 909.33 983.10
26 706.58 771-19 838.71 909.27 983.10
27 706.48 771-09 838.62 909.21 983.10
28 706.38 770.99 838.53 909.15 983.10
29 706.27 770.88 838.43 909.08 983.10
30 706.15 770-75 838.31 909.00 983-10
31 706.03 770.62 ^38.18 908.92 983.10
32 70592 770.50 838.06 908.84 983.10
33 705.80 770-36 837.92 908.75 983.10
34 705.67 770.21 837.77 908.65 983-10
35 70553 770.05 837.61 908.54 983-10
36 70537 769-86 837.43 908.41 983.10
37 705- 18 76964 ^:S7-^^ 908.26 983.10
38 70496 769-30 836.99 908.09 983.10
39 70472 769-11 836.73 907.90 983.10
40 704-45 768.78 836.43 907.69 983.10
41 704-15 768.42 836.10 907.46 983.10
42 703-80 768.01 835.72 907.20 983.10
43 70339 767-53 835.26 906.90 983.10
44 702.92 766.99 834.74 906.56 983.10
45 702.37 766.39 834.16 906.16 983.10
46 701.74 765-71 833.52 905.73 983-10
47 701.03 764.94 832.82 905.25 983.10
48 700.24 76407 832.06 90472 983.10
49 699.36 763-11 83T.04 904.12 983.10
50 698.39 762.06 830.14 903-46 983.10
51 697.23 760.91 829.05 902.72 983.10
52 696.16 759-63 827.85 901.89 983.10
53 694.87 758.21 826.52 900.97 983.10
54 693.44 756-64 825.04 899.95 983.10
55 69T.87 75490 823.40 898.83 983.10
56 690. T 3 IS^-^l 821.59 897.59 98V 10
57 688. T 7 750.82 819.59 806.2^ 983. TO
58 686.02 748.47 817.40 804.73 08V TO
59 683.64 745-94 815.03 893.08 983.10
60 681. T7 743-26 812.51 891.31 983.10
3'/2%
Am. Ex.
NEW JERSEY STANDARD.
'i'lic miiiinniin standard adopted by tlic Lej^islature of New
Jersey applies without requirin^j the pohcy to be written as "prelimi-
nary term." It can no longer be availed of, ho\ve\er, after the I'om-
pany has attained resources of $400,000,000; nor as to endowment
policies issued, if after 1910 the reserves reach $25,000,000 ; nor to any
new policies, if after 1910 the reserves reach $50,000,000.
It is in the form of concessions or deductions from the net
le\el i)remium reserves, American Experience, 3j/j%, all life, limited
pa\inent and endowment plans, as follows:
h'irst Mean reser\e. deduct an amount ecpuil to the difference
between the whole life mean reserve and a one year term mean re-
serve, the same age.
The next year, deduct ti\e-sixths of this amount; the next two-
thirds, etc.
The companies axailing thcmsehes of the deductions are lim-
ited to the aggregate of the deductions on new insurance for the year,
plus loading on new premiums, for their cost of new business.
In computing the reserves, it has been assumed that terminal
reserves are modified by the same system of deductions. The mean
reserves, accordingly, cannot be found by the formula:
231
3
'/2%
NEW JERSEY STANDARD.
TERMINAL RESERVES.
u
WHOLE LIFE.
Am. Ex.
Age I yr.
2 yrs.
3 yrs.
4 yrs.
5 yrs.
6 yrs.
7 yrs.
20
0.00
7-44
15.1 1
23.01
3^ -^7
3'^58
48.24
21
0.00
7-7S
15-74
23-98
32.48
4 '-23
50.26
22
0.00
8.08
16.41
25.00
33-85
42.97
52.38
23
0.00
•^•43
17.12
26.07 •
35-28
44.80
54.59
24
o.oc)
8.79
' 7-^S
27.18
36.79
46.70
.56.91
25
0.00
9.16
1 8.6 1
28.34
38.37
48.70
59.35
26
0.00
9.56
19.41
29.56
40.02
50.79
61.89
2/
0.00
9.98
20.26
30.84
41.74
52.98
64.54
28
0.00
10.40
21.13
32.18
43-56
55-26
67.32
29
0.00
10.87
22.06
33-59
45-45
57-65
70.23
30
0.00
1 1 -34
23-03
35-05
47-43
60.16
73-27
3'
0.00
11.85
24.04
36.58
49.51
62.79
76.46
32
0.00
12.37
25.10
38.21
51.67
65-54
79.78
33
0.00
12.92
26.22
39.89
53-95
68.40
83-25
34
0.00
13-50
27-39
41.66
56.33
71-39
86.87
35
0.00
14.11
28.61
43-51
58.81
74-53
90.67
36
0.00
14-74
29.88
45-44
61.40
77-79
94.62
37
0.00
15-39
31.21
47.44
64. 1 2
81.22
98.76
38
0.00
16.09
32.60
49-56
66.95
84-79
103.07
39
0.00
16.81
34-07
51-77
69.93
88.53
107.58
40
0.00
^7-57
35-^^0
54-09
73-03
92.42
112.25
41
0.00
18.37
37.21
56.51
76.27
96.47
117. II
42
0.00
19.22
38.88
59.03
79-63
100.66
122.12
43
0.00
20.07
40.63
61.63
83.10
104.99
127.28
44
0.00
20.99
42.44
64-35
86.68
109.43
132.54
45
0.00
21.91 '
44-30
67-13
90.35
"397
137-93
46
0.00
22.89
46.22
. 69.97
94.10
118.59
143-41
47
0.00
23-^7
48.16
72.85
97-90
123.29
149.00
48
0.00
24-87
50.13
7S-7>^
101.78
128.08
154-67
49
0.00
25.88
52.15
7^-77
105.71
132.94
160.42
50
0.00
26.92
■ 54-21
81.82
109.73
137.89
166.27
5^
0.00
27.98
56.31
84.93
113.82
142.92
172.22
52
0.00
29.07
58.46
88.11
117.98
148.05
178.26
53
0.00
30.19
60.64
91.33
122.21
153.25
184.38
54
0.00
31-32
62.86
94.61
126.52
158.52
190.58
55
0.00
32.45
65.12
97-95
130.87
163.86
196.84
56
0.00
33-^\3
67-43
101.33
135.30
169.25
203.15
57
0.00
34.83
69.77
104.77
139.77
174.70
209.51
58
0.00
36.04
72.T4
108.23
144.26
180.18
215.91
59
0.00
37.26
74-52
1x1.71
T48.79
185.67
222.29
60
0.00
38.50
76.93
115-23
153-34
191.17
228.66
61
0.00
39-74
79-35
IT 8.76
157-89
196.64
234.98
62
0.00
40.91
81.73
122.2^
162.37
202.07
241.22
63
0.00
42.26
84.21
125.78
166.87
207.42
247.36
64
0.00
43-50
86.59
T29.2T
171.25
212.66
253.34
<^\5
0.00
44.72
88.95
132.58
175.54
217.75
259.19
66
0.00
45-93
91.24
135-87
179.71
222.73
264.99
67
0.00
47-10
93-48
139-05
^K^-7>^
227.69
270.88
68
0.00
48.25
95-65
142.17
T 87.84
232.77
277.06
69
0.00
49-35
97-77
145.32
192.09
238.19
283.74
70
0.00
50.45
99.99
148.70
196.72
244.16
291.12
232
2'/
»%
NEW JERSEY STANDARD.
TERMINAL RESERVES.
\3^^
: /L/
TWENTY PAYMENT LIFE.
Am.
Ex.
Age.
I Yr.
2 Yrs.
3 Yrs.
4 Yrs.
5 Yrs.
6 Yrs,
7 Yrs.
20
7.56
22.89
38.78
55-26
72.38
90.13
108.55
21
7.60
23.27
39-54
56.41
73.92
92.07
110.92
22
7-64
23.69
40.33
57-60
75-51
94.09
113-37
23
7.67
24.11
41.16
58.83
77.16
96.17
115.90
24
7.71
24-55
42.01
60.10
78.86
98.33
118.51
25
7-74
24.99
42.87
61.40
80.63
100.55
121.22
26
7-77
2545
43-76
62.75
82.44
102.85
124.01
27
7.80
25.92
44-70
64.15
84.32
105.23
126.90
28
7.82
26.39
45-64
65-58
86.26
107.67
129.87
29
7-84
26.90
46.63
67.08
88.26
110.20
132.95
30
7-85
27-39
47.64
68.59
90.31
112.81
1 36. 1 2
31
7.86
27.91
48.67
70.17
92.44
115.50
13938
?>2
7.86
28.44
49-74
71.80
94.62
118.27
142.74
?>^
7M
28.97
50.85
73-47
96.88
121.12 1
' 146.20
34
7-84
29-53
51-97
75-19
99.20
124.05
149.76
35
7.82
30.10
53-13
76.95
101.59
127.07
153-42
36
7-79
30.67
54.32
78.77
104.03
130.17
157-19
Z7
7-75
31-25
55-53
80.62
106.56
133-36
161.07
38
7.70
31.84
56.78
82.54
109.15
136.64
165.04
39
7-65
32-45
S8.06
84.51
1 11.83
140.02
169.13
40
7-57
33-07
59.38
86.54
114.57
143-48
173-31
41
7-49
33-70
60.74
88.62
117-38
147-03
177.58
42
7.40
34-35
62.12
90.76
120.26
150.63
181.91
43
7.29
34-99
6353
92.92
123.18
154-30
186.29
44
717
35-66
64.97
95-14
126.13
157-98
190.69
45
703
36.31
66.42
97-35
129.10
161.68
195.10
46
6.89
36.98
67.88
99-57
132.07
165.37
199.49
47
6.71
37.62
69.31
101.77
135-01
169.04
203.88
48
6.53
38.26
70.73
103.96
137-95
172.71
208.24
49
6.33
38.87
72.14
106. T 3
140.86
176.33
212.56
50
6.13
39-48
73-54
108.3^
143-77
179.95
216.84
51
5-89
40.07
74-94
110.46
146.67
183-53
221.10
52
5AS
40.67
76.33
112.62
M-9-54
187.11
^2S.3>2,
53
5-39
41.25
77.71
114.76
152.41
190.66
229.52
54
5-12
41.82
79-09
T 16.90
15=; -28
194-19
^?,?>'C^7
55
4.82
42.38
80.46
1 19.04
158.11
197.69
^?^7-7^'
5^>
4-52
42.94
81.83
121. 16
160.94
201.14
241.70
57
4.2 T
43.51
83.20
123.28
163.74
204.56
^A>7^
5'^
3-88
44.05
84.57
125.38
166.50
207.94
249.69
59
3-55
44.60
85.92
T 27.46
l6(;. 25
211.26
25349
60
3-22
45.U
87.26
129.54
171.97
214.51
257.19
233
3'/2%
Am. Ex.
NEW JERSEY STANDARD.
TERMINAL RESERVES.
FIFTEEN PAYMENT LIFE.
Age
^ yj-
2 yrs.
3 yrs.
20
[2.18
32.32
53-24
21
2.29
32.85
54.22
22
2.40
33-42
55.24
23
2.51
33-99
56.30
24
2.62
34-59
57-39
25
2.73
35-18
58.50
26
2.84
35.81
59.65
27
2.96
36.45
60.85
28
3.06
37-10
62.06
29
3-^7
37-79
63.33
30
327
38.47
64.62
31
3-37
39.18
65.95
32
3-47
39-40
67.32
3.^
3-56
40.64
68.73
34
3-64
41-39
70.17
?,5
3-73
42.17
71.65
36
3.80
42.95
73- T-
^7
3.86
43-73
74.69
38 ]
3-91
44-54
76.26
39 ]
3-96
45-36
77-88
40
3-99
46.19
79-52
4T
4.00
47.0^
81.21
42
4.01
47-80
82.91
43
4.00
48.74
84.64
44
3-98
49.61
86.40
45
3-94
50.4s
88.1^
46 1
3.88
51-31
89.90
47
3.80
52.13
91.62
48
3-'^9
52.93
93-30
49
3-5^
53-70
94.95
50
3-42
54-44
96.57
5T
f3-24
55- T4
98.15
52
3-03
55.82
99.69
53
2.79
56.46
TOT. 17
54
2.52
57-05
102.59
5=^
r2.2T
57.59
103.96
5^^
1.88
58.09
105.27
57
T-5T
58.56
TO6.5T
58
T.TT
58.97
TO7.68
59
0.68
59.32
108.76
60
0.22
59.62
TO9.76
6t
9.72
59.87
T 10.68
62
9.08
59.96
TTT.44
63
8.62
60. T 8
TT2.2T
Cm
8.03
60.2 T
TI2.77
65
7.40
60.18
TT3.2T
4 yrs.
5 yrs.
6 yrs.
7 yrs.
74.97
97-56
121.03
145-41
76.41
99-48
123.44
148.34
77-92
101.47
125.94
151-37
79-47
103.52
128.53
154.50
81.07
105.65
131.20
157-74
82.70
107.85
133-96
161.09
84.41
IIO.II
136.81
164.54
86.16
112.45
139.76
168.10
87.97
114.87
142.78
171.78
89.84
117.36
145.92
175-58
91.75
1 19.91
149.14
179-49
93-73
122.56
152.47
183.53
95-77
125.27
155-89
187.67
97-86
128.07
159-41
191-93
100.00
130.94
163.02
196.30
102.20
133.89
166.73
200.80
T 04.46
136.89
170.53
205.41
106.75
T 40.00
174.44
210.1;
109.13
I43.T6
T 78.44
214.99
1 1 1-55
146.42
182.54
2 T 9.96
114.03
H9-75
186.73
22!;.02
T 16.56
T!;^.T5
191.01
2^0.18
TT9.T4
T56.6\
195.34
2^:;.J.O
T2T.75
t6o.to
199-73
240.67
T 24.40
167.6^
204. T 4
2JC.06
T 27.04
T67.T6
208.55
251-25
T 29.67
T 70.67
212.93
256.52
T 32.27
174-15
2T7.28
26T.76
134-83
177-59
22 T .60
266.93
T 37.36
T 80.97
225.84
272.04
T 39-85
T84.3I
230.03
277.07
T42.27
187.59
234.13
282.00
T 44.66
190.79
238.15
286.84
T 46.96
193-91
242.06
291.54
149-19
196.94
245.86
296.09
151.36
T 99-85
249.53
300.49
T 53-43
202.66
253.04
304.70
155-42
205.35
256.40
308.72
157-29
207.89
2 59.=;o
312.52
159.05
2T0.29
262.58
3 T 6.07
T60.70
2 T 2.53
265.36
3^9-34
162.23
2T4.59
26:^.ss
322.31
163.54
216.39
270. T 2
324-91
164.79
2 T 8.02
272.06
327. IT
165.79
2 T 9-34
273.63
328.86
T66.57
220.36
274.80
330.14
234
01
/rv/
NEW J
ERSEY
STANDARD.
A/
9%
TERMINAL RESERVES.
v
Z /ly
TEN
PAYMENT LIFE
Am
,. Ex.
Age
I yr.
2 yrs.
3 yrs.
4 yrs.
5 yrs.
6 yrs.
7 yrs.
20
21.65
51-67
82.90
115-39
149-21
184.39
221.00
21
21.90
52.51
84-35
117.46
151-93
187.78
225.11
22
22.17
53-38
85.84
II 9.6 1
154-75
191.31
229.36
-'3
22.43
54-27
87-38
121.83
157.66
194-95
233-75
24
22.71
55-19
88.98
124.12
160.67
198.71
238.29
25
22.g8
56.13
90.61
126.47
163.79
202.60
243.00
26
23.26
57-11
92.31
128.92
167.00
206.62
247-85
27
23-56
58.12
94.06
131-44
170.32
210.78
252.87
28
23.8'5
59-15
95-86
134-03
173-75
215.06
258.04
20
24-15
60.22
97-72
136.73
177.29
219.48
263.39
30
24.44
61.30
99-64
139-48
180.93
224.05
268.91
31
24-75
62.43
101.61
142.33
184.70
228.76
274.60
32
25-05
63-58
103.63
145.28
188.57
233.61
280.46
33
^5-35
64-76
105-73
148.30
192-57
238.61
286.50
34
25.66
65-97
107.86
151.40
196.67
243-74
292.70
35
25-97
67.21
110.06
154-59
200.89
249.02
299.09
36
26.28
68.47
112.31
157-86
205.20
254-44
305-65
37
26.58
69-75
114.60
161.20
209.65
260.01
312.40
38
26.88
71.06
116.96
164.64
214.19
265.72
319-31
39
27.18
72.39
119.36
168.16
218.87
271.58
326.39
40
27.46
73-75
121.82
171.76
223.64
277.56
333-63
41
27.74
75-13
124-34
175-43
228.52
283.68
341.02
42
28.01
76.53
126.89
179.18
233-49
289.<jO
348.54
43
28.27
77-93
129.48
182.97
238-53
296.22
356.17
44
28.52
79-37
132.11
186.83
243-63
302.61
363-88
45
28.75
80.78
134-74
190.71
248.77
309-05
371.66
46
28.97
82.21
137-39
194.59
253.92
315-50
379-48
47
29.16
83.61
140.02
198.46
259.07
32i-<)7
387-3-1
48
29-34
84-99
142.61
202.30
264.20
328.44
395-19
49
29.48
86.34
145.18
206. 1 2
269.30
334.87
403-03
50
29.61
87.66
147.71
209.90
274.36
341.27
410.83
5r
29.70
88.93
150.20
213.61
279.36
347-59
418.58
52
29.76
90.17
T 52.63
217.27
284.27
3S3-^S
426.26
53
29.77
9T-35
154-98
220.83
289.10
360.00
433.83
54
29-75
92.46
157-25
224.29
293-81
-^66.02
441.26
55
29.66
93-49
I.S9-42
227.64
298.36
371-89
448-53
5'^>
2954
94-45
16T.50
230.85
302.yy
?i77-55
455-60
57
29.36
95.34
163-45
233-91
306.99
383-02
462.45
58
29. T 2
96. 1 2
165.26
236.78
310.97
3^^-25
469.05
59
28.82
96.79
166.92
239.44
314.74
393- 19
475-33
60
28.46
97.35
168.40
24T.91
318.23
397-82
481.28
61
28.03
97.79
169.71
244.13
321.42
402.10
486.85
62
27.42
98.0 T
170.77
246.03
324.24
405.99
49T.99
^'3
26.96
98.27
171-73
247-74
3-^C^.77
409-46
496.66
^'4
26.31
98.27
172.38
24<).o6
3^^-^3
412.44
500.80
'^>5
25 -V)
08.12
^7^-77
250.01
330.44
414.86
504.35
235
V/
Wn
NEW JE
TERM]
:rsey stanuak
[nal reserves
D.
0^
All-
2 /U
1. I'-.x.
TWENTY YEAR ENDOWMENT.
Age.
I Yr.
2 Yrs.
3 Yrs.
4 Yrs.
5 Yrs.
6 Yrs.
7 Yrs.
20
26.52
61.63
98.16
136-19
175-78
216.99
259.90
21
26.26
61.40
97.98
136.04
175-67
216.91
259.86
22
2599
61.17
97-79
135-90
175-56
216.85
259-83
23
25.69
60.93
97.60
135-75
175-45
216.78
259.80
24
25.40
60.69
97-40
135-60
175-34
216.71
259-78
25
25.08
60.42
97.18
135-43
175-24
216.65
259.76
26
24-75
60.15
96.97
135-27
175-12
216.58
259-74
27
24.42
59-87
96-75
135-11
175.01
216.53
259-73
28
24.06
59-57
96.52
134-93
174.90
216.46
259-72
29
23.69
59.28
96.29
134-77
174-79
216.41
259-73
30
23.29
58.96
96-05
13459
174.68
216.37
259-74
31
22.89
58-64
95-80
134-41
174-58
216.33
259-77
32
22.47
58-31
95-55
134.26
174.48
216.31
259.80
33
22.03
57-9<''
95-30
134-09
174-39
216.30
259-85
34
21-57
57-6 1
95-04
133-92
174-32
216.29
259.92
35
21.10
57.26
94-79
133-77
174-26
216.32
260.03
36
20.61
56.89
94-54
133-63
174.20
216.36
260.16
37
20.10
56.51
94.28
133-48
174.19
216.45
260.34
38
19-57
56.13
94.04
133-38
174.19
216.57
- 260.56
39
19.04
55-74
93-81
133-29
174.25
216.74
260.84
40
18.47
55-36
93-59
133-24
174-34
216.96
261.16
41
17.89
54-98
93-41
133-21
174-47
217.22
261.53
42
17-30
54.61
93-23
133-23
174-64
217.52
261.95
43
16.69
54-22
93-07
133-26
■74-85
217.87
262.38
44
16.06
53-87
92.94
133-34
175.08
218.23
262.84
43
15.42
53-49
92.81
133-41
175-32
218.60
263.29
4C.
U-77
53- '3
92.70
133-50
175-57
218.97
263.76
47
14.10
52-75
92.57
133-.58
175.82
219-35
264.24
48
13-42
52.38
92.45
133-67
1 76.09
219.76
264.72
49
^^■73
5 • -99
92.33
U3-77
176-37
220.16
265.21
50
12.05
5 1 -63
92.23
i33-';i
176.68
220.60
265-73
51
1 1 -34
51-25
92.16
1 34.06
177-03
221.07
266.29
52
10.64
50.91
92.12
134-27
177-42
221.61
266.90
"53
9-93
50.58
92.10
134-52
^77 ■»7
222.20
267.58
54
923
50.28
92.14
134-83
1 78.40
222.S7
268.32
55
8.51
49.98
92.21
135-20
178.98
223.61
269.12
5<^^
7.82
49.73
<)2.34
135-63
179.64
224.41
270.00
57
7- 1 3
49-53
92.53
136.14
180.39
225.30
270.96
58
6.45
49-34
92.77
136.71
181.19
226.27
271.98
59
5-78
49.20
93.06
U733
182.08
227.7,0
^73-05
ho
5-K3
49.10
93-41
I ^"^.06
18^.05
228.41
27417
236
3^/
^%
NEW JERSEY STANDARD.
TERMINAL RESERVES.
U'^-
^/u
FIFTEEN
YEAR ENDOWMENT.
Am
. Ex.
Age.
I Yr.
2 Yrs.
3 Yrs.
4 Yrs.
5 Yrs.
6 Yrs.
7 Yrs.
20
42.73
94.74
148.92
205-35
264.15
325-40
389-23
21
42.46
94-50
148.71
205.17
264.01
325-29
389-17
22
42.18
94.26
148.50
205.01
263.87
325-19
389.10
-\S
4T.87
94.00
148.29
204.83
2Ci7,.y2
325-09
389-03
^4
41-57
93-74
148.06
204.64
263.57
32497
388.96
25
41.24
03-45
147-81
204.43
263.42
324.86
388.88
26
40-90
93- '6
^47-5^'
204.22
263.25
324.73
388.80
-7
40.55
92.85
147-31
204.01
263.07
324.61
388.72
28
40.18
92.52
U7-03
203.78
262.90
324-47
388.63
29
39-79
92.19
146-75
203.55
262.72
324-33
388.54
30
39-38
91.83
146.45
203.30
262.51
324-19
388.45
31
38-95
91.47
146.14
203.04
262.31
324-04
388.36
32
38.50
91.08
145-81
202.78
262.10
323-88
388.25
33
38-04
90.68
145-48
202.51
261.88
323.72
^^■'^
34
37-54
90.26
145.12
202.22
261.65
323-54
388.01
35
37-04
89.83
144-76
201.91
261.41
323-36
387-89
36
36-50
89-38
144-38
201.60
261.15
323-17
387-76
37
35-94
88.89
U3-97
201.26
260.90
322.98
387-63
38
35-36
88.40
U3-56
200.94
260.64
322.79
387-51
39
34-75
87-89
143-14
200.61
260.39
322.61
^^!7-39
40
34-12
87-37
142.71
200.28
260.14
322.43
387.28
4T
33-46
86.83
142.29
199.94
259.90
322.26
387.16
42
32-77
86.28
141.84
199.61
259.64
322.07
387-03
43
32-06
85.69
141.40
199-25
259-38
321.88
386.88
44
31-33
85. T 2
140.94
198.90
259.10
321.65
386.68
45
30-57
84-50
140.46
198.52
258.78
321.38
386.44
46
29-79
83.88
139.96
198.10
258.42
321.04
386.13
47
28.97
83.22
139-41
197-63
258.00
320.65
385-76
48
28.13
82.52
138.81
197.10
^S762
320.20
385-30
49
27.2>
81.79
138.18
196.54
256.99
319-67
384-77
50
26.39
81.04
137-52
195-93
256.41
319-09
384-16
51
25-47
80.25
136.83
195-28
255-77
318.43
383-48
52
24-54
79-45
136.10
194.60
255-08
317-73
Z^2.72
53
23-58
78.61
135-33
193-87
254.35
316.94
381.88
54
22.59
77-75
134-54
193.09
253-56
316.10
380.94
55
2r.58
76.85
133-72
192.29
252.71
315-18
379.92
5^>
20.55
75-95
132.88
191-45
251.82
31419
378.80
57
19.5 T
75-04
132.02
190.58
250.89
3 1 3- 13
377.60
58
T8.45
74.T0
131-14
189.68
249.89
312.01
376.29
59
17-38
73-^5
130.23
188.73
248.85
310.80
374.87
(^
16.30
72.20
129.31
187-76
247.76
309-50
373-31
61
15.20
7f-23
128.36
186.76
246.59
308.08
371-59
62
T4.OO
70.16
127-34
[85.64
245-28
306.52
369.67
63
12.99
69.25
126.39
184-55
243-03
304-79
367-50
^>4
TI.88
68.22
125-32
18331
242.38
302.84
36504
''>5
10.76
67.18
124.20
18F.96
240.67
300.64
362.28
237
3'4%
Am. Ex.
NEW JERSEY STANDARD.
TERMINAL RESERVES.
TEN YEAR ENDOWMENT.
Age.
I Yr.
2 Yrs.
3 Yrs.
4 Yrs.
5 Yrs.
6 Yrs.
7 Yrs.
20
75-97 1
62.65
25300
347.18
445.37
547.75
654.49
21
75-69
62.40
252.79
347.00
445.23
547.64
654.44
22
75-40 ]
62.15
252.57
346.82
445.08
547-54
654.38
^Z
75-09
61.88
252.34
346.63
444.92
547-43
654.32
24
74.78 ]
61.60
252.09
346.42
444.76
547-31
654.26
-5
74-45 1
61.30
251.83
346.20
444.60
547-19
654.19
26
74.10
60.99
25T.56
345-97
444-41
547-05
654.12
27
73-74
60.67
25 1 .28
345-74
444.22
546.92
654.04
28
73-35 1
60.32
250.98
345-48
444-02
546.77
653-96
29
72-95
59.98
250.67
345-22
443-81
546.61
653-87
30
72.53
59-59
250.34
344-93
443-57
546.45
653-77
3^
72.09 ]
59.20
249.99
344-64
443-34
546.27
653-67
32
71.62 ]
58.78
249.63
344.34
443-08
546.09
653.55
33
71.14
58.34
249-25
344.00
442.82
545.89
653.43
34
70.62
57-88
248.84
343.65
442.53
545-66
653-29
35
70.09
57-4 T
248.42
343.29
442.23
545-43
653-U
3^^
69-53
56.90
247.97
342.90
441.89
545-17
652.98
?>7
68.93
56.36
247-47
342.46
441.54
544.90
652.80
38
68.31
55-80
246.98
342.03
441.16
544.61
652.60
39
67.66
55-20
246.44
341.56
440.77
544.30
652.39
40
66.97
54-59
245.88
341.07
440.35
543.96
652.16
41
66.25
53-93
245.30
340.55
439.91
543 -60
651.90
42
65-5 T
53-26
244.68
340.0 T
439.43
543-20
651.62
43
64-72
52.53
244.04
339.42
438.92
542.78
651.29
44
63.91
51.80
243.36
338.81
438.36
542.30
650.92
45
63-05
5 1. or
242.64
338.14
437-75
541-77
650.50
46
62.16
50.19
241.87
337.41
437-07
541-15
6so.oo
47
61.23
40-3 T
241.03
336.59
436.30
540.46
649.44
48
60.27
48.39
240.12
335.71
435.46
539.69
648.79
49
59-27
47-40
239.14
334.74
434.52
538.81
648.06
50
58.24
[46.37
238.10
333.70
433.49
537.85
647.23
5T
57-^6
f45-27
236.99
332.56
A?,2?,7
536.78
646.30
52
56.04
44-^3
235.80
331.34
431.13
535-60
645.27
53
54.87
[42.91
234.51
330.0 T
429.79
534-.30
644.11
54
53.67
[41.63
233. ^S
^^^■S7
428.33
532.87
642.83
55
52.40
40.26
231.69
327.03
426.72
531.30
641.40
56
51.10
[38.84
230.14
325.36
424.98
529-56
639.82
57
49.75
37-35
228.49
323.57
423.09
S27.es
638.07
58
48.34
f 35-77
226.73
321.63
421.02
525-58
636.13
59
46.89
[34. IT
224.84
319.53
418.78
523-29
633-99
60
45.40
[32.37
222.84
317.29
416.35
520.80
631.61
61
43.85
[30.55
220.71
3U.89
413.72
518.06
629.00
62
42. T 5
[28.54
218.40
312.24
4 1 0.8 T
515.06
f)2C^. I I
63
40.61
[26.63
216.06
309.50
407.74
5 IT. 78
622.91
64
38.92
[24.52
213.49
306.48
404.34
508.16
619.36
65
37.19
[22.30
210.74
303.20
400.60
504.14
615.40
238
3'/2%
Am. Ex.
NEW JERSEY STANDARD.
MEAN RESERVES.
WHOLE LIFE.
Age.
I Yr.
2 Yrs.
3 Yrs.
4 Yrs.
5 Yrs.
6 Yrs.
7 Yrs.
20
Z-77
I 1 .08
18.6T
26.38
34-39
42.65
51-17
21
3-79
11.41
• 19.26
27-35
35-70
44-3 1
53-17
22
3.82
11.76
19.94
28.38
37-08
46.03
55-28
^Z
3-84
12.12
20.66
29-45
38.51
47-85
57-49
24
3.87
12.50
21.41
30.57
40.02
49.76
59-79
25
3-90
12.90
22.18
31-74
41.60
51-74
62.21
26
3-93
1333
23.01
32.98
43-25
53-84
64-75
27
3-96
i3-7^>
23-87
34.26
44-98
56.02
67-39
28
3-99
14.22
24.76
35-61
46.80
58.31
70.16
29
4-03
14.71
25.70
37-04
48.70
60.70
73.06
30
4.07
15.22
26.70
38.52
50.70
63.22
76.10
31
4.11
1576
27-74
40.07
52-78
65-85
79.29
32
4.16
16.32
28.83
41.71
54-97
68.60
82.62
33
4.21
16.91
29.98
43-43
57.26
71-47
86.09
34
4.27
17-54
31.20
45-23
59-67
74-49
89-72
35
4-32
18.19
32.46
47.12
62.18
77-65
93-54
36
4-39
18.88
33-78
49-08
64.81
80.94
97-51
37
4.46
19.61
35-16
51-15
67.56
84-39
101.67
38
4-55
20.38
36.63
53-31
70.44
88.01
106.02
39
4-63
21.18
38.16
55-59
73-47
91.80
110.58
40
4-73
22.02
39-78
57-98
76.64
95-76
1 15-31
41
4-83
22.92
41.47
60.48
79-96
99.88
120.25
42
4-95
23.87
43.26
6^.11
83-41
104.17
125-36
43
.5.08
24.86
45-T2
65-84
87.01
108.62
130-65
44
5-23
25.90
47.06
68.67
90.74
113.21
136.08
45
5-39
27.00
49.08
71.62
94.5'-»
1 1 7-93
141.66
46
5-59
28.16
51.20
74-67
98.53
122.77
147-36
47
5.80
29-37
53-38
77-79
102.58
127.72
153-20
48
6.04
30.62
55-60
80.98
106.73
132-79
159.16
49
6.33
31.92
57-92
84.27
110.97
137-97
165.24
50
6.66
33-29
60.3 1
87-67
^^sr:^
143-20
171.47
51
7.02
34-73
62. 71)
(;i.i7
I 11 1.84
148.74
177-84
52
7-43
36.22
65-3^^
'n-77
' 24-44
' 54-3 '
184-35
53
7.89
37-8 1
68.02
()8.4()
12(M7
1 00.03
1()1.0I
54
8.40
.^')-4^'
70.78
102.31
'3404
165.88
i()7.8o
55
8.97
41. IS
73-63
106.25
1 3(j.02
171-85
204.72
56
9.61
4.V<>'
76.60
110.33
'44-13
177-06
211.76
57
10.31
44-93
79.67
1 14.51
'40.38
184.20
218.94
58
1 1 .08
46.92
82.85
118.80
1.S4. 72
190.55
22h.2T,
59
1 1 .94
49.02
86. 1 ^
123.20
160.18
197.02
233-61
60
12.90
5 r .24
89.53
127.74
K.5.78
20T,.S'^
241.08
61
13-95
53-55
93.05
K\^}.^
'll-^'!
210.25
248.62
62
15.12
56.00
96.71
137.16
^77 --7
2l6.()()
256.21
^•3
16.40
.58.57
100.46
142.02
183.16
^^^■77
2C^Ti,.^2
^>4
17.81
61.25
104.34
U6.<;7
i8<).()S
230.O0
271^2
^'5
1939
64.08
i'>8.33
1 52.02
i<)5.oS
23744
279.02
66
21.12
67.06
112.43
' V - ' 5
201.12
244-3 '
286.6()
67
23.02
70.17
1 1 6.64
'62.35
20^.22
25 1 .27
204.55
68
25.12
73-45
1 20.98
167.65
213-45
2.58.45
?.<^-^-77
60
27.42
76.90
'25-47
173. '4
2i<).97
260.01)
3"-6k^
70
2';.<;5
80.54
1 30. 1 9
178..V-
227.00
27-\-?.>^
321.24
239
3'/2%
NEW JERSEY STANDARD.
MEAN RESERVES.
TWENTY PAYMENT LIFE.
Am.
Ex.
Age.
I Yr.
2 Yrs.
3 Yrs.
4 Yrs.
5 Yrs.
6 Yrs.
7 Yrs.
JO
1. 17
26.20
41.79
57-90
74.74
92.15
110.22
21
1.24
26.61
42.57
59-11
76.28
94.09
112.57
22
1.30
27.05
43-36
60.30
77.87
96.08
114.99
23
ti-35
27.47
44.19
61.52
79-51
98.15
117.50
24
[1.42
27-93
45.06
62.81
8l.2[
100.31
120.10
25
1.48
28.40
45-94
64. 1 2
82.97
102.51
122.79
26
1-54
28.88
46.85
65.48
84.78
104.80
125-56
27
1.60
29-37
47.79
66.87
86.66
107.17
128.43
28
1.65
29.87
48.76
«>X.3_>
88.60
109.61
131-39
29
1.70
30.40
49. 7()
(.9.S2
90.61
112.13
134-45
30
1.76
30-93
50.79
71.36
92.67
114.74
137.61
31 J
1.80
31-48
51-85
72-95
94.81
117.44
140.87
32
[1.86
32-05
52-95
74-59
97.01
120.21
144-23
33
[1.90
32-63
54-08
76.29
99-28
123.06
147-68
34
11.94
33-23
55.26
78.04
101.62
126.01
151-25
35
1.97
33-84
56.46
79-84
104.03
129.05
154.93
3^'
[2.02
34-47
57.70
81.70
106.52
132.17
158.71
?>7
2.04
y>^2
58.96
83.61
109.08
135-39
162.61
38
2.08
35-79
60.28
85.58
111.72
138.72
166.62
39
2.1 I
36.48
61.63
87.61
114.45
142.15
170-75
40
2.14
37-18
63.04
89.72
117.26
145.68
175.00
41
[2.16
37-91
64.48
91.88
120.15
149-30
179-35
42
2.19
38.68
6^.98
94-13
123-13
153-01
183.78
43
[2.2T
39-45
^^7-5^
96.42
126.18
156.80
188.30
44
2.24
40.25
rK;.o(;
98.76
129.28
160.64
192.86
45
2.26
41.08
70.70
101.15
132-43
164.52
197.46
46
[2.32
41.94
72.36
103.59
135-60
168.43
202.07
47
[2.36
42.81
74.03
106.03
138.80
172.36
206.72
48
2.43
43.70
7S-7-
108.49
142.02
176.31
211.38
49
[2.S2
44.61
77-43
1 10.97
145-25
180.26
216.03
50
2.64
45-55
79.17
113-49
148.53
184.26
220.70
51
2.77
46.52
80.9;
1 16.05
151.83
188.27
225.39
S^
2.94
47-54
^2.7^
118.65
155.17
192.31
230.11
53
[3- 14
48.59
84-65
121.30
158.55
196.39
234-84
54
^?>-?>^
49.69
86.57
124.00
161.99
200.52
239.00
55
[3.66
50.84
88.55
1 26.75
165.47
204.67
244-38
56
[4.OT
52-07
90.60
129-59
169.01
208.87
249.17
57
[4.41
53-36
92.72
132.47
172.61
213. TO
253-99
58
[4-85
54.70
94.90
135-42
176.25
217.38
258.83
59
15.38
56.13
97.17
138.45
179.96
221.71
263.68
60
[6.02
57.68
99-53
141.57
183.76
226.08
268.53
240
^ I . NEW JERSEY STANDARD.
\Afi^ MEAN RESERVES.
\l ^2 /yJ FIFTEEN PAYMENT LIFE.
Am. Ex.
2 Yrs. 3 Yrs. 4 Yrs. 5 Yrs. 6 Yrs. 7 Yrs.
3544 55-95 77-^^ 9940 122.41 146.31
35-99 56-94 7^-70 101.30 124.80 149.21
36.58 57.97 80.20 103.29 127.27 152.20
37.15 59.02 81.73 105.33 129.83 155.30
37.76 60.12 83.33 107-44 132-49 15^-50
38.38 61.24 84.97 109,62 135-22 161.82
39.03 62.41 86.68 1 1 1.87 138.05 165.24
39.68 63.60 88.42 114.20 140.97 168.77
40.36 64.83 90.23 116.61 143-98 172.41
41.06 66.11 92.11 119.09 147.10 176.18
41.78 67.42 94.03 121.65 150.31 180.06
42.51 68.77 96.01 124.29 153-62 184.07
43.27 70.16 98.05 127.00 157-03 188.19
44.05 71.59 100.16 129.80 160.53 192.43
44.84 73.07 102.33 132.68 164.14 196.79
45.66 74-58 104-55 135-63 167-86 201.27
46.49 76.12 106.83 138.66 171-65 205.87
47-34 77-71 109.18 141-79 175-58 210.51
48.22 79.34 111.59 144-99 179-60 215.47
49.11 81.02 114.06 148.28 183.73 220.45
50.02 82.74 116.61 151.66 187.97 225.55
S0.95 84.50 119.21 155.13 192.29 230.76
51.92 86.31 121.88 158.66 196.71 236.05
52.89 88.15 124.60 162.26 201.19 241.41
53.88 90.03 127.36 165.92 205.72 246.83
54.90 91.93 130.16 169.60 210.28 252.26
55-94 93-88 132.99 173.30 214.86 257.71
56.99 95.82 135-82 177.00 219.43 263.16
58.03 97.75 138.62 180.69 223.99 268.58
59.08 99.70 141-44 184.37 228.52 2'J2,.C)'J
60.15 IOT.64 144-25 188.04 233.04 2'J().2,},
61.23 103.59 147.06 191.69 237.53 284.64
62.31 105.55 149-86 195-32 241.96 289.89
63.42 107.50 152.65 198.92 246.36 295.07
64.52 109.45 155.41 202.48 250.70 300.16
65.65 II 1.41 158.17 206.00 254.96 305-17
66.81 113.38 160.93 209.49 259.17 310.06
67.99 115.35 163.65 212.94 263.28 314-84
69.19 117-33 166.35 216.31 267.32 319-49
70.42 119-31 169.02 219.63 271.25 323-99
71.71 121.31 171.69 222.91 275.07 l^'^.}^^
73.03 123.34 174-34 226.13 2'j?>.'j% 33246
74.41 125.39 176.97 229.24 282.32 336-38
75.86 127.45 179-55 232.26 285.69 340.04
77.36 129.52 182.09 235.15 288.86 343-40
78.95 131.62 184.58 237.92 291.81 346.46
Age.
I Yr.
20
15-69
21
15-83
22
15-97
^2>
16.09
24
16.23
25
16.37
26
16.51
27
16.65
28
16.78
29
16.92
30
17-07
31
17.20
7^2
17-35
ZZ
17-48
34
17.62
35
17-75
36
17.89
Z7
18.02
38
18.16
39
18.29
40
18.42
41
18.53
42
18.66
43
18.78
44
18.90
45
19.01
46
19.16
47
19.29
48
19.42
49
19-58
50
19.76
51
19-94
52
20.14
53
20.36
54
20.60
55
20.86
S6
21.18
57
21.51
58
21.88
59
22.31
(yo
22.8[
61
23-37
62
24.01
63
24-73
64
25-56
65
26.53
241
3'/
2%
NEW JERSEY STANDAI
MEAN RESERVES.
^D.
\3'
I /u
TEN
PAYMENT LIFE
Am
i. Ex.
Age.
I Yr.
2 Yrs.
3 Yrs.
4 Yrs.
5 Yrs.
6 Yrs.
7 Yrs.
20
24.97
54-39
85.00
116.S4
149-98
184.45
220.33
21
25-24
55-24
86.45
118.90
152.66
187.81
224.37
22
25-53
56.12
87-93
121.02
155-46
191.28
228.56
23
25.81
57.00
89.46
123.21
158.33
194.87
232.89
-M
2O.1 [
57-94
91-05
125.49
161.31
198.59
237-37
25
26.40
58.89
92.68
127.82
164.39
202.42
242.00
26
26.71
59-88
94-38
130.26
167.57
206.39
246.79
27
27.03
60.90
96.12
132.75
170.86
210.49
251-74
28
27-34
61.94
97-92
135-33
174-25
214.73
256.85
29
27.67
63.02
99-77
138.00
177.76
219.10
262.12
30
28.00
64.13
101.70
140.75
181.37
223.62
267.58
31
28.33
65.27
103.67
143-58
185.10
228.28
273.20
32
28.69
66.45
105.70
146.51
188.96
233-09
278.99
33
29.03
67.66
107.80
149-53
192.92
238.03
284.96
34
29-39
68.89
109.96
152.63
197.00
243.12
291.10
35
29.74
70.16
1 12.17
155-82
201.19
248.37
297-43
36
30. 1 1
71.46
114.44
159.08
205.49
253-74
303-92
37
30.47
72.80
116.76
162.45
209.83
259-28
310.61
38
30.85
74-17
1 19.16
165.90
214.47
264.96
3 J 7-47
39
31.22
75-56
121.60
169.43
219.14
270.80
324-51
40
31.60
76.98
124.12
173-07
223.92
276.77
331-71
41
31-97
78.43
126.68
176.77
228.81
282.88
339-08
42
32.35
79-93
129.31
180.58
233.81
289.12
346.59
43
?>^-7Z
8T.44
131-99
184-45
238.91
295-47
354-23
44
33-11
82.98
134-71
188.37.
244.08
301.90
361.97
4|
33-50
84-55
137-47
192.37
249-32
308.42
369.80
46
33-91
86.14
140.28
196.40
254.59
314.97
377-68
47
34-30
87-74
143.10
200.45
259-89
321.57
385-63
48
34.71
89-35
145.90
204.48
265.20
328.18
393.60
49
35-^3
■ 90.95
148.72
208.52
270.50
334-79
401.57
50
35-57
92.57
152.53
212.56
275.81
341.40
409-55
51
36.01
94.19
154-35
216.59
281.09
347-98
417-50
52
36.46
95.81
1 57-^5
220.59
286.32
354-51
425-41
53
36.92
97.42
159-92
224.56
291.52
361.00
433-26
54
37-39
99.02
161.66
228.46
296.64
367-39
441.00
55
37-86
100.60
165.36
232.31
301.67
?^7?^-^7
448.64
56
?>^-?>7
102.18
168.04
236. 1 1
306.61
379-84
456.13
57
38.87
103.74
170.65
239.80
311-44
385-85
463-45
58
39-38
105.27
173-19
243-38
316.09
391.68
470.58
59
39-92
106.77
175-67
246.84
320.60
397-33
477-47
60
40.51
108.27
T 78.07
250.19
324-95
402.73
484.10
61
41.12
109.74
1 80.40
253-40
329.08
407.89
490.43
62
4T.76
III.T9
T 82.66
256.47
332.99
412.77
496.44
63
42.46
112.63
184.81
259.34
336.67
417-32
502.07
64
43.21
114.04
186.86
262.04
340.04
421.52
507.29
65
44-06
115-45
188.81
264.51
343-11
425-31
512.03
?42
y/
>%
NEW JERSEY STANDAF
MEAN RESERVES.
ID.
u^^
i r^
TWENTY
YEAR ENDOWMENT.
Am
. Ex.
Age.
I Yr.
2 Yrs.
3 Yrs.
4 Yrs.
5 Yrs.
6 Yrs.
7 Yrs.
20
29.74
64.14
99-94
137.20
176.00
216.37
258.41
21
29-5 1
<J3-95
99-79
137-09
175-91
216.33
258.40
22
29.27
63.76
99-63
136-97
175-84
216.28
258.40
23
29.00
<J3-53
99.46
136.84
175-75
216.24
258.40
24
28.74
63-32
99-30
136.73
175-67
216.21
258.40
25
28.46
63.09
99.12
136.59
175.60
216.17
258.41
26
28.17
62.86
98.94
136.48
175-51
216.14
258.43
27
27.87
62.61
98-75
136.34
175-45
216.12
258.46
28
27-55
62.36
98.56
136.21
175-37
216.10
258.49
29
27.22
62.10
98.37
136.09
175-31
216.09
258.54
30
26.88
61.84
98.18
135-96
175-25
216.11
258.60
31
26.52
61.56
97.98
135-83
175.20
216.12
248.68
32
26.16
61.29
97-79
135-73
175-17
216.16
258.78
?,3
25-77
61.00
97-59
135-62
175- 13
216.19
258.89
34
25-39
60.71
97.41
135-52
175-13
216.27
259-03
35
24.97
60.42
97-23
135-44
17514
216.37
259.22
36
24.56
60.13
97-05
135-37
175-17
216.49
259-43
37
24-13
59-84
96.88
135-33
175-24
216.67
259-70
38
23.70
59-55
96.74
135-31
175-34
216.89
260.03
39
23.26
59-27
96.60
135-33
175-50
217.17
260.42
40
22.81
58.99
96.51
135-39
175-71
217.52
260.88
41
22.33
58.72
96-43
135-49
175-97
217.91
261.39
42
21.88
58.49
96.40
135-66
176.29
218.38
261.98
43
21.40
58.26
96.39
135-85
176.67
218.91
262.62
44
20.93
58.05
96.43
136-09
177.11
219.49
263.31
45
20.46
57-87
96.49
136.38
177-58
220.10
264.02
46
20.02
57-72
96.61
136.73
178.08
220.75
264.77
47
19-58
57-59
96.75
137-09
178.63
221.44
265.58
48
19.16
57-49
96.92
117-49
'7953
222.19
266.43
49
18.77
57-42
97- 14
137-94
179.88
•222.98
267.32
50
18.42
57-41
97-41
138.46
180.60
223.86
268.29
51
18.09
57-43
97-75
139.06
181.41
224.82
269.35
52
17.81
57-52
98.17
139.74
182.^50
225.^7
270.51
53
17-57
57-69
98.67
140.53
183.32
227.05
271.80
54
17-39
57-93
99-27
141-44
184.46
22^.37
273-22
55
17.26
58.24
99-98
142.46
185.74
229.82
27477
5^'
17.22
58.68
TOO. 81
143-64
187.15
231.42
276.47
57
•7-25
59-21
101.77
144-95
188.74
233-18
27».33
5«
^7-35
59.84
102.86
146.40
190.47
235- 10
280.35
59
^7-55
60.60
104.09
148.00
192.36
23720
2^2.S3
60
^7-^7
61.51
105.48
149.80
194.4^'
23«)-47
284.87
243
3'/
7%
NEW JERSEY STANDAl
MEAN RESERVES.
RD.
u^-
I /U
FIFTEEN
YEAR ENDOWMENT.
Am
. Ex.
Age.
I Yr.
2 Yrs.
3 Yrs.
4 Yrs.
5 Yrs.
6 Yrs.
7 Yrs.
20
45-('i
9^'.57
'4<;-^»5
204.93
262.53
322.53
385-05
21
45-37
96.36
149-47
204.78
2(.2.4I
322.45
385-01
22
45-13
96.19
149.29
204.64
262.31
322.37
384.96
23
44.85
95.91
149.10
204.48
262.18
322.29
384.92
24
44-58
95-68
148.91
204.33
262.06
322.21
384.87
25
44.28
95.43
148.69
204.15
261.93
322.11
384.82
26
43-98
95-18
148.48
203.99
261.79
322.02
384.77
27
43.66
94-90
148.25
203.80
261.66
321.92
384.72
28
43-33
94-62
148.02
203.61
261.52
321.83
384.67
29
42.()8
94-32
147-77
203.42
261.38
321-73
384.62
30
42.63
94.02
147-52
203.22
261.23
321.64
384.57
31
42.24
93-70
147.26
203.01
261.07
321.53
384.52
?>2
41.85
93-37
146.98
202.79
260.9 1
321.43
384.46
33
4 1 -44
93-03
146.70
202.58
260.75
321.31
384.40
34
41.02
92.67
146.42
202.36
260.59
32 1 .20
384.35
35
40.57
92.30
146.12
202.12
260.41
321.09
384.29
36
40.1 1
91.92
145.82
201.88
260.23
320.97
384.24
37
39.63
9^-53
145.50
201.64
260.06
320.87
384.19
38
39.15
91-13
145.18
201.40
259.90
320.78
384.16
39
38.63
90.72
144.86
201.17
259-75
320.70
384.15
40
38.11
90.30
144.55
200.95
259.61
320.64
384.15
41
37.56
89.88
144.24
200.74
259-49
320.59
384.17
42
37.01
89.46
143.94
200.55
259-38
320.56
384.20
43
36.44
89.03
143.64
200.36
259.28
320.53
384.22
44
35.86
88.60
143.35
200.17
259-19
320.50
384.23
45
35-27
88.18
143.05
200.00
259.10
320.45
384-22
46
34.70
^7-77
142.79
199.83
258.98
320.38
384.16
47
34-12
^7-3^^
142.51
199.64
258.85
320.28
384.09
48
33-53
86.93
142.19
199.40
258.68
320.15
383-96
49
32.97
86.52
141.89
199.18
258.50
319.98
383-79
50
32.42
86.12
141.59
198.95
258.31
319.80
383-59
51
3T.88
^S-72
141.31
i<)8.73
258. IT
319.59
3^3-35
52
31.37
85.35
141.04
198.51
257-91
319.37
383.09
53
30.88
8S.01
140.78
198.31
257.72
319.15
382.81
54
30.41
84.69
140.55
198. IT
257-52
318.91
382.49
55
29.94
84.40
140.36
197.95
257-34
318.66
382.15
5^>
29.62
84.18
140.22
197.85
2S7.\^
318.43
381.79
57
29.29
84.01
140.13
197.77
257-07
318.20
38T.42
58
29.01
83.89
140.09
197.73
256.97
317.09
381.04
59
28.81
83.84
140.12
197.75
256.91
317.80
380.65
60
28.71
83-90
140.23
197.85
256.92
317.62
380.23
61
28.68
84.02
140.43
198.02
256.96
317.45
379-77
62
2^.77
84.27
140.74
198.27
257.03
317-27
379.26
^?,
28.95
84.62
141. II
198.56
257. T 3
317-05
37^-63
64
29.28
8 s. 08
141-59
198.91
257.22
316.78
377-89
65
29.76
85.68
142.17
199.32
257-32
316.44
377.00
244
3'/2%
Am. Ex.
NEW JERSEY STANDARD.
MEAN RESERVES.
TEN YEAR ENDOWMENT.
Age.
I Yr.
2 Yrs.
3 Yrs.
4 Yrs.
5 Yrs.
6 Yrs.
7 Yrs.
20
78.16
163.08
251.57
343.82
439.99
540.25
644-79
21
77.92
162.86
251-39
343-67
439.86
540.17
644-75
22
77.66
162.64
251.19
343.51
439.74
540.07
644.70
23
77-38
162.38
250.98
343.33
439.60
539.98
644.66
24
77.10
162.13
250.77
343.15
43946
539.89
644.61
25
76.80 .
161.87
250.54
342.96
439-32
539.78
644.55
26
76.49
161.60
250.30
342.77
439-15
539.67
644.50
27
76.16
161.30
250.05
342.55
439-00
539-55
644.44
28
75-81
161.00
249.79
342.33
438.83
539-44
644-38
29
75-45
160.69
249.51
342.11
438.65
539-31
644-31
30
75-08
160.36
249.23
341.86
438.45
539-18
644-24
31
74.68
160.00
248.92
341.60
438.25
539-03
644.16
32
74.28
159.64
248.61
341-35
438.05
538.89
644.08
33
73-84
159.26
248.27
341.06
437.82
53^-72
643.99
34
73-40
158.86
247.93
340.77
437.58
538.54
643.89
35
72.92
158.44
247.57
340.47
437.33
538.36
64378
36
72.44
158.01
247.19
340.14
437.06
538.15
643-66
37
71.92
157.55
246.77
339.78
436.77
537.94
643-53
3'^
71-39
157.08
246.36
339.43
436.47
53772
643-39
39
70.83
156.57
245.91
339-04
436.16
537.48
643-24
40
70.26
156.06
245.47
338.65
435-83
537.23
643.08
41
69.64
155.51
244.98
338.23
435-49
536.95
642.90
42
69.03
154.97
244.50
337.82
435-13
536.67
642.71
43
68.38
154.39
243.99
337-37
434-75
536.36
642.49
44
67.72
153-80
243-46
336.90
434.34
536.02
642.24
45
67.03
153-19
242.91
336.41
433.91
535.65
641.96
46
66.35
152.58
242.36
335-90
433-42
535-22
641.62
47
65-65
151.04
241.76
335-33
432.^^
534.74
641.23
48
64-93
151.27
241. II
334-69
432.29
534.19
640.78
49
64.23
150.58
240.43
33401
431.62
533.57
640.26
50
63-52
149.88
239-72
333-30
430.91
532.90
639.68
51
62.81
149.16
238.98
332.53
430.14
532.15
639.02
52
62.10
148.43
238.21
331.71
429.29
531.3T
638.29
S3
61.40
147-68
237-39
330.84
428.38
530.42
637-47
54
60.70
146.92
236.55
329.9 1
427.39
529.43
C\^C^-57
55
60.0 T
146.13
235.66
328.92
426.33
528.34
^^35 -5(^^
5^^
59.35
145-36
234-76
327.89
425.18
527-^5
63445
57
58.70
144-58
233-81
326.79
423.95
525.85
633-21
5«
58.07
143-78
232.83
325.61
422.62
524.45
631.86
59
57-47
142.98
231.81
324.36
421.18
522.9T
630.36
r,o
56.94
142.21
230.76
323.06
419.66
521.24
628.71
61
56.45
141-45
229.70
321.70
418.03
519.44
626.91
62
S6.02
140.71
228.63
320.28
416.27
517.48
624.92
63
55.65
140.01
227.52
318.76
414.40
5 T 5.34
622.'J2
64
55.38
T 39.33
226.41
3^7.^7
4 T 2.37
513.00
620.29
65
55-23
138.71
225.26
315.47
410.16
510.41
617.57
y/2%
CANADIAN LIFE OFFICERS'
STANDARD.
The minimum standard recommended by the Canadian Life
Officers' Association to the Royal Commission and by the Commis-
sion upon the Association's sponsorship tt) tlie Minister of i'"inance
and so incorporated in the bill offered in Parliament Ijy the latter
in 1907, is as follows:
Without requiring the policy to be written "preliminary term,"
allow optional deductions from the first net level premium reserve Hm,
3y2%, equal to the first whole life terminal reserve. This is equiva-
lent to an additional loading the first year of the difiference between
the net whole life premium and the net one year term premium.
Compute reserves for the next four years on the basis of mak-
ing good the initial margin or deduction, by equal portions added to
the net renewal premiums.
247
ni
//-k/ ^
;anadi>
^N LIFE OF
FICERS'
STANDARD.
tV
^%
TERMINAL
RESERVES.
V'
z /u
WHOLE LIFE.
HM
Age.
I Year,
2 Years.
3 Years.
4 Years.
5 Years.
20
-7.18
0.00
9-15
iS.sS
2S.4S
38.92
21
—7.16
0.00
9.40
19.28
29.69
40.55
22
—7.40
0.00
9.92
20.3()
31.29
42.61
23
-7-84
0.00
10.56
2 1-57
33-01
44-69
24
—8.^6
0.00
11.14
22.68
34-51
46.57
25
—8.80
0.00
1 1 .()5
23-58
35-75
48.19
26
— 9.20
0.00
12.02
24-30
36.83
49.63
27
—9-47
0.00
12.34
24.94
37.80
5 1 03
28
—9.71
0.00
12.66
25-59
38.88
52.57
29
—9-97
0.00
12.99
26.35
40.11
54-30
30
—10.23
0.00
13-43
27.26
41-53
56.20
31
—10.59
0.00
13-94
28.30
43-08
58.26
32
— 11.00
0.00
14.48
29.38
44.67
60.32
33
~^'-il
0.00
15.03
30.46
46.24
62.40
34
—11.86
0.00
1557
31.48
47-77
64.49
35
—12.28
0.00
]6.o6
32.49
49-34
66.08
36
—12.66
0.00
16.57
33-56
51-03
69.09
37
—13.06
0.00
17.14
34-76
52.98
71.84
38
—13-53
0.00
17.79
36.17
55-21
74.92
39
—14.05
0.00
18.58
37-82
57-72
78.17
40
—14.70
0.00
19.48
39.62
60.32
81.59
41
—15-44
0.00
20.41
41-38
62.93
84.91
42
— 16.17
0.00
21.26
43-"
65-37
88.01
43
—16.83
0.00
22.12
44-68
67.60
90.94
44
—17-51
0.00
22.86 '
46.01;
69-73
93-85
45
—18.07
0.00
23-51
47-44
71.84
96.76
46
-18.57
0.00
24.21
48.90
74.10
99.91
47
-19-13
0.00
25.01
50-51
76.63
103.46
48
—19.77
0.00
25.86
S^?,?>
79.50
107.30
49
—20.45
0.00
26.86
54-40
82.59
1 ' 132
50
— 21.26
0.00
27-99
56.61
85.78
115-52
51
—22.17
0.00
29.10
58.76
88.99
119-73
52
—23-05
0.00
30.16
60.89
92.13
12^.88
53
-23-87
0.00
31-25
6:5.00
95.26
128.05
54
—24-73
0.00
?>^^2
65.12
98.44
^2.^2
55
—25-55
0.00
33-39
67.28
101.71
136.57
56
—26.39
0.00
34-50
69-53
104.97
140.82
57
-27.26
0.00
35-68
7' -77
108.21
144-99
58
—28.19
0.00
36.78
73-90
1 1 1. 3 1
149.05
59
—29.02
0.00
37-82
75-91
1 14.28
152-89
60
—29.81
0.00
38.83
77.86
1 17.10
156.76
61
—30-55
0.00
39-79
79.72
T 20.00
160.80
62
—31.27
0.00
40.70
81.68
123.12
165.20
63
— 3T.93
0.00
41.75
83.90
1 26.64
170.15
(n
—2>2.7?^
0.00
43.00
m.^2
130.73
176.01
^>5
-33-68
0.00
44-43
89-49
\\S-^^^
182.35
66
-34.78
0.00
46.07
93-07
140.71
188.85
67
—36.03
0.00
48.11
96.78
145-82
194-92
68
—37.62
0.00
49-93
100.12
150.21
199.91
69
-38.93
0.00
51-45
102.63
153-21
202.97
70
—39-96
0.00
52-41
104.00
154-48
204.22
248
3!
HM
Age.
20
-7.18
21
-7.16
22
—7.40
23
-7.84
24
—8.36
25
—8.80
26
-^).20
27
—9-47
28
-^.71
29
—9-97
30
—10.23
31
—10.59
Z^
— 11.00
zz
—11-43
34
—11.86
35
—12.28
36
—12.66
Z7
—13.06
38
—13-53
39
—14.05
40
—14.70
41
-15-44
42
— 16.17
43
-16.83
44
-17-51
45
—18.07
46
-18.57
47
—19-13
48
—19.77
49
—20.45
50
—21.26
51
—22.17
52
—23-05
53
-23-87
54
—24-73
55
-25-55
CANADIAN LIFE OFFICERS' STANDARD.
TERMINAL RESERVES.
LIFE PAID UP IN 20 YEARS.
I Year. 2 Years. 3 Years. 4 Years. 5 Years.
7.34 24.14 41.54 59.75 78.84
7.40 24.51 42.43 61.22 80.79
7.45 25.14 43.69 63.02 83.12
7.50 25.87 45.02 64.93 85.47
7.55 26.54 46.28 66.65 87.62
7-59 27.16 47.34 68.11 89.54
7.64 27.63 48.22 69.43 91.28
7.69 28.06 49.03 70.63 92.98
7.74 28.47 49-82 71-90 94-77
-j.-j-j 28.88 50.70 73.30 96.71
7.80 29.37 51-71 74-84 98-78
7.82 29.92 52.81 76.49 100.86
7.84 30.49 53-93 78.14 103.13
7.84 31.05 55.03 79.75 105.26
7.84 31.59 56.06 81.29 107.38
7.83 32.06 57.04 82.83 109.54
7.80 32.53 58.06 84.46 1 1 1.86
y.-j-] 33.04 59.16 86.28 114.46
7-73 33-6o 60.44 88.34 1 17.31
7.68 34-28 61.92 90.62 120.29
7.60 35.05 63.51 92.93 123.35
7.53 35.81 65.03 95.23 126.28
7.43 36.48 66.48 97.30 128.95
7.34 37.14 67.76 99.14 131.40
7.22 37.65 68.83 100.83 133.76
7.10 '38.05 69.81 102.44 136.04
6.95 38.47 7084 104.13 138.48
6.80 38.95 71.97 106.01 141.20
6.62 39.44 73.24 108.15 144.13
6.43 40.05 74.72 1T0.43 147.14
6.22 40.75 l^'>-^7 1^2.74 T50.22
5.98 41.39 77.71 1 15.01 153.24
5.74 41.95 79.09 1 17.12 156.12
5.48 42.52 80.40 119.T8 158.91
5.20 43.02 8r.66 121. 21 161.73
4.91 43.50 82.93 123.27 164.47
249
3'/29&
CANADIAN LIFE OFFICERS' STANDARD.
TERMINAL RESERVES.
LIFE PAID UP IN 15 YEARS.
Age. o I Year. 2 Years. 3 Years. 4 Years. 5 Years.
20 —7.18 11.90 33.46 55.81 79.18 103.65
21 — 7.16 12.04 34-00 56.96 81.00 106.05
22 —7.40 12.17 347^ 5<'^-47- ^314 108.81
23 —7-84 12.31 35-68 60.05 85.39 I [ 1.59
24 —8.36 12.44 36.52 61.57 87.48 114.22
25 —8.80 12.57 37-3^ ('^■')-^ 8().34 116.66
26 — 9.20 12.72 38.00 64.11 91.08 118.95
2y — 9.47 12.87 38-63 65.24 92.72 121.21
28 —9-71 13-02 39.26 66.36 94.45 123.58
29 — 9.97 13.16 39-88 67.57 96.28 126.09
30 — 10.23 13-29 40.59 68.90 98.27 128.73
31 —10.59 13-41 4T.34 70-32 100.36 131.48
^2 —11.00 13.53 42-12 71.76 102.45 134.22
33 —11-43 13-63 42-89 73.19 104.51 136.93
34 —11.86 13.74 43.64 74.55 106.52 139.65
35 —12.28 13.83 44.34 75.87 108.52 142.41
S6 —12.66 13.91 45.02 77.23 110.62 145-34
37 —13-06 13.99 45-75 78-68 112.90 148.53
38 —13-53 14-05 46.53 80.29 115.43 151.97
39 —14-05 14-10 47.42 82.09 118.15 155.53
40 — 14-70 14-13 48.40 84.01 120.91 159.18
41 —15-44 14-15 49-37 85.85 123.66 162.71
42 — 16.17 14.16 50.25 87.64 i26.2d 166.00
43 '"
16.83 14-17 51-12 89.24 128.52 169.06
•17.51 14.15 51.84 90.64 130.67 172-04
45 —18.07 14.12 52.45 91.95 132.73 174-92
46 —18.57 14-07 53-05 9328 134.84 177.91
47 —19-13 13-99 5370 94-68 137.11 181.14
48 —19-77 13-88 54-34 96-19 139-59 184.53
49 —20.45 13-75 55-08 97.88 142.17 187.96
50 — 21.26 13-60 55.90 99.62 144-76 191-44
51 — 22.17 ^3-40 56.64 101.23 147.28 194.82
52 — 23.05 13.20 57-29 102.76 149.64 108.04
53 —23.87 12.97 57-92 104.19 151-89 201.13
54 —24-73 12.70 58.46 T05.53 154.05 204.17
55 —25-55 12.40 58.94 106.81 156-17 207.03
56 — 26.39 12.07 59-39 108.08 158.14 209.69
57 — 27.26 11.71 59-84 T 09.23 159-93 212.11
58 — 28.19 11-31 60.14 110.15 161.40 214.22
59 — 29.02 10.86 60.30 110.87 162.70 215.95
60 — 29.81 io..^i 60.38 111.42 163.68 217.51
250
3'/2%
1
HM
CANADIAN LIFE OFFICERS' STANDARD.
TERMINAL RESERVES.
LIFE PAID UP IN 10 YEARS.
Age.
20
21
22
23
24
25
26
27
28
29
30
31
32
2,1
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
5^>
57
58
59
60
61
62
63
64
^>5
o
-7.18
-7.16
—7.40
-7.84
-8.36
—8.80
— 9.20
—9-47
—971
—9-97
— 10.23
—10.59
— 11.00
— 11-43
— 11.86
—12.28
— 12.66
—13.06
-13-53
— U-05
—14.70
—15-44
— 16.17
-16.83
—17-51
—18.07
-18.57
—19.13
—19.77
—20.45
— 2 1 .26
— 22.17
—23-05
-23-87
—24-73
—25-55
—26.39
— 27.26
—28.19
— 29.02
—29.81
—30.55
—31.27
—31-93
—32.73
-33.^>8
I Year.
2 Years.
21.28
52.60
21.59
53-51
21.90
54-64
22.20
55-88
22.51
57-09
22.84
58.29
23.19
59-39
23-55
60.46
23.92
61.53
24.28
62.61
24.63
63-77
24.99
64.99
25-33
66.24
25.67
67.50
26.02
68.75
26.36
69-95
26.69
71.16
27.01
72.40
27-33
73-69
27.63
75-09
27.91
76.59
28.19
78.09
28.46
79-54
28.75
80.98
29.01
82.29
29.27
83.49
29.50
84.69
29.70
85.92
29.87
8713
29.99
88.42
30.09
89-77
30.14
9 1 .02
30.17
92.18
30. 1 7
93-3 1
30.13
94-34
30.04
95-29
29.92
96.20
29-75
97.08
29-53
97-79
29.24
98.32
28.89
98.68
28.47
98.85
27.95
98.79
27.35
.;8.69
26.67
98.59
25.8<)
')8.54
3 Years.
85.14
86.84
88.87
90.98
93-07
95-04
96.98
98.68
100.50
102.40
104.44
106.58
108.76
110.94
113.07
115-17
117-33
119.56
121.96
124.56
127.28
129.96
132.61
135-13
137-45
139-70
141.97
144.28
146.69
149.24
151-72
1 54.26
1 56.62
158.86
1 6 1 .00
163.06
165.09
i66.()8
168.61
1 69.98
171.07
171.86
1 72.46
17304
173.71
'74.5'
4 Years.
119.13
121.68
124.54
127.51
130.38
133.09
13572
138.30
140.97
143-76
146.72
149-79
152.90
155-99
159.06
162.15
165-33
168.70
172.30
176.12
180.00
183.90
187.66
191.23
194.68
198.07
201.49
205.03
212.56
216.35
220.06
223.61
227.04
230.37
23364
236.76
239.68
242.31
244. 5<)
246.47
248.0(;
249.55
25 1 .02
252.65
254.65
5 Years.
154.65
15799
161.66
165-39
169-03
172.56
17599
179-45
183-03
186.78
190.66
194.68
198.72
202.78
206.87
211.02
215-35
219-93
224.76
229.74
234-84
239.89
244.77
249.50
254.17
258.78
263.49
268.40
273-43
278.50
283.58
288.58
29341
298. 1 2
1^2.'^
307.25
311-54
315-58
319.29
322.56
325.49
328.19
330.76
333-35
336.30
3!
'^% '
:anadi^
\N LIFE (
TERMING
u'
2 /U
TWENTY YE.
HM
Age.
I Year,
2 Years.
20
-7.18
26.00
62.25
21
-7.16
25-73
6T.94
22
—7.40
25-44
61.86
23
—7.84
25-13
61.86
24
-8.36
24.81
61.79
25
—8.80
24.48
61.64
26
— 9.20
24.15
6i-35
27
—947
23.81
60.99
28
—9.71
23.46
60.60
29
—9-97
23.10
60.19
30
—10.23
22.72
59-85
31
—10.59
22.32
59-55
32
— 11.00
21.91
59-25
33
—11-43
21.48
58.93
34
—11.86
21.04
58.57
35
—12.28
20.58
58.13
36
—12.66
20.10
57-68
37
—13.06
19.61
57.26
38
—13-53
19.11
56.88
39
— 14-05
18.58
56.59
40
—14.70
T8.04
56.39
41
—15-44
17.48
56.18
42
— 16.17
16.91
55-87
43
—16.83
16.33
55-55
44
— T7-51
15-74
55-09
45
—18.07
15-14
54.53
46
—18.57
14-52
53-98
47
— 19-T3
13.90
53-51
48
—19.77
13.26
53-06
49
— 20.45
12.61
52.73
50
— 21.26
11-95
52.51
51
—22.17
11.26
52.25
52
—2305
10.58
5T.92
53
—23.87
9.90
51.62
54
—24-73
9.21
51.28
55
-25-55
8.53
50.96
251
STANDARD.
3 Years. 4 Years. 5 Years.
99.92 139.26 180.34
99-77 13928 180.46
99.94 139.61 180.90
100.15 140.00 181.33
100.27 140.18 181.55
100.18 140.09 181.49
99.88 139.82 181.23
99.49 T 39.40 180.86
99.07 139.02 180.55
98.70 138.72 180.33
98.43 138.53 180.20
98.23 138.41 180.13
98.03 138.27 180.02
97.78 138.06 179.83
97.44 137.75 179.60
97.04 137.40 179.37
96.65 T37-I2 179.25
96.33 137-00 179.36
96.16 137.09 179.70
96.17 137.37 180.13
96.28 137.67 180.64
96.31 137.94 I8I.0I
96.27 138.00 181. 12
96.06 13783 181.OI
95.64 137-50 180.81
95.15 137.12 180.55
94.71 136.81 T80.44
94.38 136.71 180.63
94.22 136.88 1 8 1. 05
94.26 T37-2I 181.58
94.40 13761 T82.23
94.46 137.98 182.84
94.48 138.25 183.36
94.45 138.51 183.85
94.44 138.79 184.44
94.47 139-17 185.04
252
3!
^% '
ANADIAN LIFE OF
TERMINAL
FICERS' STANDA
RESERVES.
RD.
v^
2 A/
HM
FIFTEEN YEAR
ENDOWMENT.
Age.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
-7.18
42.16
95-25
150.49
208.11
268.25
21
-7.16
41.87
94-92
1 50.28
208.06
268.27
22
—7.40
41.56
94-79
150.37
208.28
268.58
23
-7.84
41-23
94-73
1 50.50
208.56
268.89
24
-8.36
40.89
94.61
150.54
208.66
269.02
25
—8.80
40.54
94-43
150.41
208.52
268.92
26
—9.20
40.19
94-11
1 50.09
208.22
268.64
27
—9-47
39-84
93-73
149.68
207.79
268.26
28
—9.71
39-48
93-32
149-23
207.38
267.91
29
—9-97
39-09
92.88
148.82
207.02
267.63
30
—10.23
38.69
92.50
148.48
206.75
267.40
31
—10.59
38.27
92.14
148.19
206.52
267.21
32
— 11.00
37-82
91.76
147.89
206.25
266.95
33
—11-43
37-35
91-37
147-53
205.90
266.61
34
—11.86
36.87
90.93
147-08
205.46
266.22
35
—12.28
36.36
90.41
146.55
204.96
265.80
36
—12.66
■ 35-84
89.86
146.04
204.50
265.47
37
—13.06
35-29
89-34
145-56
204.17
265.33
38
—13-53
34-73
88.83
145-21
204.02
265.36
39
—14.05
34-14
88.41
'-+5-°i.
204.02
265.46
40
—14.70
33-51
88.05
144-88
204.03
265.61
41
—15-44
32.87
87.67
144.67
203.98
265.62
42
—16.17
32.20
87-19
144-37
203.72
265.36
43
-16.83
31-53
86.68
143-89
203.21
264.86
44
—17-51
30.83
86.01
143-18
202.52
264.23
45
—18.07
30. 1 2
85-23
142.37
201.72
263.47
46
-18.57
29-37
84-43
141-57
200.94
262.79
47
-19-13
28.61
83.68
140.82
200.29
262.30
48
—19-77
27.81
82.91
140.18
199.84
261.97
49
—20.45
26.98
82.23
139.70
199-49
261.68
50
—21.26
26.13
81.63
139.28
199.16
261.45
51
— 22.17
25-24
80.97
138.75
198.78
261.16
52
—23-05
24.35
80.22
n8.i6
198.25
260.72
53
-23.87
. 23.44
79-47
137-48
197-65
260.19
54
-24-73
22.5 1
78.65
136.74
19700
259.65
55
—25-55
21.54
77-78
135-96
196.32
258.97
5'^>
—26.39
20.56
76.90
135.20
195-54
258.13
57
-27.26
10.55
76.04
•34.34
194-62
257-11
58
—28.19
■8.53
75.06
133-31
193-49
255-84
59
—29.02
'7-47
73-97
132.12
192.14
254-27
60
—29.81
16.42
72.84
130.83
190.61
252.64
253
3!
4% '
;anadi/
kN LIFE OFFICERS' STANDA
TERMINAL RESERVES.
RD.
\3'
2 /CI
HM
TEN YEAR ]
ENDOWMENT.
Age.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
-7.18
75-37
163.09
254.41
349-63
448.92
21
-7.16
75.08
162.74
254.16
349-50
448.84
22
—7.40
74-75
162.56
254-15
349-59
449-00
■2^
-7-84
74-38
162.42
254-17
349-73
449.18
24
-8.36
74.01
162.2-4
254-13
349-75
449-23
25
—8.80
73 ■^>4
162.01
253-95
349-57
449-13
26
—9.20
73-27
161.67
253-61
34927
448.87
27
—9-47
72.91
161.28
253.20
348.87
448.53
28
—9.71
72:54
T60.86
252.75
348.47
448.21
29
—9-97
72.14
160.41
252.33
348. T I
447-95
30
--10.23
7^-73
1 60.02
251.98
347-82
447-73
31
—10.59
71.29
159-63
251.67
347-58
447-55
32
—11.00
70.83
159.23
251-34
347-30
447-33
33
—11-43
70.34
158.80
250.96
346.95
447.02
34
—11.86
69.83
158.33
250.47
346.49
446.64
35
—12.28
69.30
157-77
249.90
345-95
446.20
36
—12.66
68.74
157.16
249.31
345-41
445-78
37
—13.06
68.15
156.55
248.72 .
344-94
445-46
3«^
—13-53
67-53
155-95
248.22
344-59
445-27
39
— 14-05
66.88
155-40
247-84
344-37
445-13
40
—14.70
66. T 8
154-91
247-52
344-15
445-05
41
—15-44
65-47
154-38
247.12
343-89
444-87
42
— 16.17
64-73
153-78
246.65
343-46
444-50
43
— 16.83
64.00
153-15
246.02
342.83
443-92
44
—17-51
63.22
152.36
245-18
342.02
443.20
45
—18.07
62.43
15^-45
244.23
341.07
442.35
4^^
— T8.57
61.60
1 50.5 1
243-24
340. TO
441.49
47
-19-13
60.74
149.57
242.26
33918
440.72
48
—19-77
59-82
148.58
241.31
338.37
440.02
49
— 20.45
58.85
T 47.64
240-47
337-59
439.31
50
— 2T.26
57-84
146.73
239.62
336.77 ■
438.57
51
— 22.T7
56.76
145-72
238.62
335-84
437-73
52
—23-05
55-68
144.61
237-53
334-75
436.72
53
—23.87
54-56
T43-47
236.33
333-55
435-58
54
-24-73
53-39
142.23
235-03
332-2=,
434.39
55
—25-55
52.20
T 40.93
233-67
330.91
433-07
5^>
—26.39
50.96
I 39.60
232.30
329.45
431-60
57
-27.26
49.70
138.25
230.8 T
327-83
429.94
58
—28.19
48.38
136.75
229.10
325.06
428.01
59
— 29.02
47-02
135-09
227.16
323.80
425.70
60
-29.81
45-60
133-29
224.98
321-27
423.07
61
—30.55
44.12
T3I-32
222. ST
318.51
-120.22
62
— 3T.27
42.56
T29.T4
219.88
315.60
417-25
^\^
—31-93
40.93
126.95
217.27
312.74
4i-i-34
64
—32-73
39-23
124.79
214.79
310.09
411.83
65
-33-68
37-47
122.72
212.51
307-90
409.61
254
0/2-;!
X)
i\
HNi
Age.
r Year.
2 Years.
20
3-o6
12.22
21
3-25
12.52
22
3-31
12.99
23
3-27
13-56
24
3.21
14.12
25
3.20
14.65
26
3-24
15.12
27
3-34
15-55
28
3-47
16.00
29
3-59
16.45
30
3-73
16.98
31
3-83
17-56
32
3-92
18.19
33
4.00
18.83
34
4.11
19.48
35
4.24
20.12
36
4-39
20.77
37
4.58
21.50
38
H^
22.28
39
4.88
23-15
40
4.98
24.12
41
5-07
25-15
42
5-19
26.17
43
5.38
27.21
44
5.58
28.23
45
5-89
20-22
46
6.25
30.26
47
6.62
31-39
48
6.97
32-59
49
7-35
33-90
50
7.72
35-35
5T
8.0s
36.85
52
8.48
38.37
53
8.90
39.96
54
9-53
41.60
55
T0.17
43-32
5^>
10.85
45- f 2
57
TT-59
47.02
5«
T2.38
48.07
50
T3-3T
50.08
r.o
T4-34
53.06
r,T
T5-47
55- t8
r.2
T6.74
57-30
^\3
t8.tt
.SO. 76
64
19.53
62.35
^^'^
20.08
65. TO
66
22.40
68.28
67
24.TO
71.78
68
2573
75-42
60
27.71
70.08
70
30.04
82.68
CANADIAN LIFE OFFICERS' STANDARD.
MEAN RESERVES.
WHOLE LIFE.
3 Years.
21.51
22.16
23.19
24-35
25-47
26.44
27.27
28.0s
28.80
29-63
30.62
31-71
32.87
34.06
35-22
36.36
37-56
38.88
40.37
42.06
43-93
45-84
47-72
49-55
51-27
52.94
54.72
56.65
58.76
6t.ti
63-65
66.23
68.8T
71.46
74.T6
76.06
70.87
82.00
85.03
88.04
01. 08
05.04
08.22
T0T.7T
T 05.61
T 00.03
TT4.82
T20.t6
T 25.47
T 30.30
134.68
4 Years.
31.18
32.30
33-87
35-57
37-14
38.49
39.67
40.75
4T.90
43-19
44.66
46.28
47-97
49.66
51-32
53-02
54-79
56.80
59-08
61.63
64-36
67.10
60.78
72.29
74-71
77.10
79.66
82.46
88.97
02.54
06.17
00.8o
103.47
T07.22
TTT.TI
T 15.12
TT0.T7
T23.TO
T27.T6
T3T.T2
T35-T5
T 30.43
I44-T5
T 40.47
T55-.50
162.14
T 60.02
I75.6T
T8T.27
185.71
Years.
41.35
42.94
44.98
47.13
49.09
50.80
52.34
53-80
55-39
57-17
59-13
61.26
63.44
65-63
67.82
70.11
72.56
75.34
78.45
81.81
85-34
88.87
92.23
95-42
98.59
101.77
105.16
108.93
113.06
117-43
122.00
126.65
1 31. 20
135-99
T 40.82
145-76
150.76
155-78
160.77
T65.65
170-57
175-60
181.20
187.28
104-22
2OT.02
2 T 0.03
218.09
225.50
231-45
235-83
255
3'/2%
CANADIAN LIFE OFFICERS' STANDARD.
MEAN RESERVES.
TWENTY PAYMENT LIFE.
HM
Age.
I Year.
20
10.25
21
10.50
22
10.61
23
10.62
24
10.60
25
10.64
26
10.72
27
10.87
28
11.05
29
11.20
30
11-37
31
11.49
32
11.59
33
11.67
34
11.78
35
11.90
36
12.04
Z7
12.18
38
12.29
39
12.38
40
12.42
41
12.42
42
12.46
43
12.55
44
12.64
45
12.83
46
13.04
47
13.26
48
1343
49
13.62
50
13-77
51
13.88
52
14.07
53
14-32
54
14-59
55
14.94
3 Years.
4 Years.
5 Years.
44.01
61.81
80.46
44.84
63.19
82.37
46.02
64.96
84.68
47.32
66.85
87.07
48.58
68.63
89-30
49.71
70.19
91.29
S0.70
71.59
93.13
51.62
72.90
94-87
52.53
74-23
96.71
53.47
75.69
98.70
54.55
77.28
100.82
55.71
78.99
103.07
56.90
80.73
105-33
58.10
82.45
107.57
59.27
84.12
109.78
60.38
• 85.78
112.02
61.53
87.49
114.39
62.75
89.37
1 17.01
64.11
91.48
119.91
65.63
93.80
122.98
67.30
96.25
126.16
68.96
98.67
129.30
70.57
100.98
132.22
72.10
103.10
134.92
73.48
105.07
137-54
74.78
106.97
140.09
76.13
108.96
142.77
77.58
III. 12
145-73
79.16
113-51
148.95
80.92
116.11
152.31
82.81
118.80
155-79
84.69
121.49
159.26
86.^3
124.12
162.63
88.58
126.72
165.97
90.24
129.34
169.37
92.16
132.03
172.81
2 Years.
26.91
27.33
27.90
28.56
29,21
29.84
30.41
30.94
31.48
32.01
32.59
33-21
33-86
34.51
35.16
35.78
36.40
37-05
37.75
38.50
39.34
40.21
41.05
41.89
42.68
43-43
44.18
44-99
45.84
46.76
47-79
48.82
49.86
50.92
52.01
53-15
256
3'/2%
CANADIAN LIFE OFFICERS' STANDARD.
MEAN RESERVES.
FIFTEEN PAYMENT LIFE.
HM
Age.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
14.72
36.04
57-99
80.85
104.77
21
15-05
36.62
59.08
82.58
107.12
22
15-24
37-35
60.50
84.67
109.85
23
15-32
38.17
62.04
86.90
112.67
24
15-39
39-00
63-57
89.03
115.36
25
15-52
39-80
64.98
90.99
117.86
26
15-70
40.57
66.27
92.80
120.22
27
15-95
41-31
67.50
94-54
122.52
28
16.22
42.05
68.72
96.31
124.92
29
16.47
42.78
69-99
98.20
127.46
30
• 16.74
■ 43-57
71.38
100.22
130.13
31
16.96
44-39
72.85
102.36
132.94
32
17.16
45-24
74.36
104-53
135-76
33
17-34
46.10
75-88
106.69
138.56
34
17-56
46.96
77-36
108.80
141.35
35
17.77
47-79
78.81
110.91
144.18
36
18.01
48.62 •
80.29
113.08
147.14
37
18.27
49.49
81.84
115-41
150.34
38
18.48
50-39
83-52
117.96
153-80
39
18.66
51-36
85-36
120.72
157-44
40
18.80
52.40
87-34
123.60
161.19
41
18.90
53-47
89.32
126.46
164.89
42
19.04
54-51
91-25
129.22
168.40
43
19.23
55-56
93.10
131.79
171.71
44
19.41
56.55
94-79
134.21
174.91
45
19.69
57-49
96.40
136.54
178.03
46
19-99
58.42
98-03
138.93
181.24
47
20.28
59-39
99-74
141.44
184.67
48
'20.52
60.38
101.54
144.16
188.32
49
20.77
61.42
103-50
147.05
192.08
50
20.97
62.56
105-57
149.99
195-91
51
21.12
63.68
107.60
152.92
199.71
52
21.34
64.80
109-57
155-75
203-39
53
21.61
65.92
111-53
158.52
206.98
54
21.90
67-04
113-45
161.25
210.57
55
22.23
68.15
115-36
163.97
214.08
56
22.58
69-30
117.29
166.68
217.48
5"^
22.96
70.46
1 19.23
169.28
220.72
58
23-35
71.62
121.05
171-71
223.74
59
23-85
72.76
122.77
173.96
226.49
()n
24.41
7390
124.40
176.06
229.10
257
CANADIAN LIFE OFFICERS' STANDARD.
fo
TEN
PAYMENT
LIFE.
Age.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
23-9 i
54.80
86.73
119.99
154.74
21
24.41
55-73
88.36
122.44
158.02
22
24.76
56.80
90.29
125.23
161.63
23
25.02
57.96
92.36
128.17
165.38
-'4
25.26
59- i 5
94.44
131.07
169.05
25
25-58
60.35
96.45
133-85
172.61
26
25.96
61.52
98.37
136.53
176.09
27
26.41
62.69
100.26
139-17
179.56
28
26.90
63.86
102.16
141.86
183.14
29
27-37
65.04
104.10
144.69
186.87
30
27.86
66.28
106.19
147.65
190.76
31
28.29
67.55
108.35
150.75
194.80
32
28.72
68.87
110.57
153.91
198.89
33
29.13
70.20
112.83
157.07
202.99
34
29.58
71.54
115.06
160.22
207.12
35
30.04
72.86
117.27
163.38
211.30
3f>
30.52
74.19
119.52
166.61
215.62
37
31.01
75.56
121.84
169.99
220.17
3<^
31.46
76.96
124.28
173.59
224.98
3<^
31.89
78.42
126.89
177.41
230.00
40
32.28
79.97
129.66
181.37
235.14
41
32/^3
81.56
T32.44
185..35
240.31
42
3303
83.14
135.21
189.27
245.35
43
334H
84.75
137.94
193.06
250.25
44
33.94
86.30
140.52
196.72
255.08
45
34-49
87.82
143.03
200.31
259.86
4h
35.07
89.32
145.56
203.95
264.71
47
35.62
90.85
148.14
207.70
269.75
4<^
36.12
92.38
150.80
211.60
274.97
49
36.62
93.94
153.58
215.65
280.27
50
37.06
95.58
156.44
219.73
285.62
51
37-44
97.19
159.25
223.77
290.93
5-
37-89
98.79
162.00
227.72
296.12
S^
38.38
100.38
164.72
231-59
301.22
54
38.86
101.94
T 67.37
235-40
306.28
55
39-40
T03.50
T 70.01
239.18
311.27
5^^
39-94
105.06
T 72.63
242.92
316.14
57
40.49
106.62
175.23
246.54
320.83
5^
41.04
T08.T3
177.68
249.94
325-28
50
41.67
109.58
179.96
253.08
329-37
60
42.33
TT0.97
182.0=;
255.95
333- 16
61
43.OT
112.25
183.95
2S8-S7
33^-74
62
43.75
"3-45
185.69
261.07
340.23
63
44.5T
114.63
187.46
263.63
343-79
64
45.22
115-83
189.36
266.38
347-6S
65
45.89
"7-15
191.45
269.52
351-95
258
HM
70
TWENTY
YEAR ENDOWMENT.
Age.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
28.54
04.25
101.21
i39-7i
179.92
21
28.40
64.00
101.02
139.69
180.03
22
28.23
63.88
101.13
140.00
180.49
23
27.89
63.«3
101.34
140.41
181.00
24
27-51
(^2>-7b
101.48
140.67
181.31
25
27.19
(^2,-(>i
101.48
140.70
181.36
26
26.90
63-44
101.31
140.54
181.22
27
26.67
63.20
101.05
140.25
180.94
28
26.46
62.95
100.76
139.96
180.70
29
26.21
62.68
100.48
139-75
180.56
30
25.98
62.44
100.30
139-64
180.52
31
25.68
62.22
100.18
139.61
180.56
32
25-37
62.02
100.07
139-59
180.58
33
25.02
61.80
99-95
139-52
180.5.^
34
24.70
61.57
99-77
139-36
180.44
35
24.38
61.30
99-52
139-17
180.33
36
24.07
61.01
99-29
139.01
180.31
37
23-77
60.75
99.11
138.98
180.49
38
23.42
60.51
99-04
139.15
180.91
39
23-05
60.33
99.12
139-51
181.49
40
22.62
60.22
99-34
139.98
182.16
41
22.16
60.13
99-54
140.42
182.77
42
21.72
60.01
99.69
140.75
183.17
43
. 21.34
59-89
99.76
140.89
183.37
44
20.96
59-72
99.68
140.88
183.47
45
20.68
59-52
99-53
1 40.8 1
183.5-
46
20.43
59-33
99-43
140.84
183.70
47
20.19
59-21
99-45
141.06
184.17
48
19.91
59-13
99.62
141-52
'S4-93
49
19.65
59-13
99-97
142.21
185.87
50
19.36
59-26
100.48
143.02
186.94
51
19.03
59-40
101.00
143.86
188.05
52
18.80
59-57
101.50
144.68
189.12
53
18.63
59-78
102.06
145-51
190.20
54
18.50
60.05
102.66
146.42
191.42
55
18.47
60.40
103.37
147-47
192.75
259
f\\ / M
_. CANADIAN LIFE OFFICERS
: STANDARD.
3/4^
In
MEAN RESERVES.
HM
/^
FIFTEEN
YEAR ENDOWMENT.
Age.
I Year.
2 Years,
3 Years.
4 Years.
5 Years.
20
44-38
96.59
^50-75
207.18
200.06
21
44.28
96.32
150.52
207.08
266.07
22
44-03
96.15
150.55
207.29
266.40
^3
43-66
96.04
150.68
207.59
266.78
-M
43-27
95.92
150.75
207.77
267.00
^5
42.92
95-76
150.69
207.74
267.00
26
42.62
95-55
150.49
207.54
266.82
27
42.37
95.28
150.21
207.23
266.52
28
^^•o§
95.00
149.88
206.90
266.24
29
41.88
94-69
149.55
206.63
266.03
30
41.62
94.41
149-31
206.43
265.88
31
41.30
94-13
149.09
206.29
265.70
32
40.95
93-85
148.88
206.13
265.66
2>l
40.56
93-56
148.65
205.92
265.46
34
40.20
93-24
148.35
205.61
265.18
35
39-83
92.88
147-97
205.26
264.88
36
39-47
92.50
147-60
204.92
264.64
Z7
39-11
92.13
147-26
204.68
264.56
38
38.71
91.77
147.02
204.61
264.68
39
38.26
91-45
146.89
204.70
264.92
40
37-76
91.18
146.87
204.86
265.22
41
37-21
90.92
146.82
204.98
265.45
42
36.68
90.62
146.71
204.97
265.47
43
36.20
90.32
146.50
204-75
265-25
44
35-72
89-94
146.12
204.37
264.89
45
35-32
89-51
145.64
203.88
264.43
46
34-94
89-07
145-17
203.42
264.02
47
34-55
88.65
144-76
203.07
263.81
48
34.11
88.25
144-45
202.90
263.80
49
33-67
87.90
144.28
202.91
263.89
50
33-19
87.65
144-22
202.98
264.07
51
32.66
87-39
144.15
203.05
264.25
52
32.22
87.14
144.03
203.05
264.33
53
31.82
86.90
143-92
203.02
264.37
54
31-44
86.68
143-79
202.97
264.42
55
31-13
86.47
143-68
202.94
264.45
56
30.84
86.31
143-62
202.94
264.41
57
30.58
86.19
143-59
202.88
264.26
58
30.36
86.08
143.49
202.70
263.97
59
30.25
86.00
143-33
202.40
263.48
60
30.24
85-96
143.16
202.05
262.96
26o
CANADIAN LIFE OFFICERS' STANDARD.
MEAN RESERVES.
0^2^
70
lVlIl.rt.lN XVIi,01i.J
TEN YEAR END(
HM
Age.
I Year.
2 Years.
3 Years.
20
76.92
163-05
252-57
21
76.82
162.76
252.30
22
76.55
162.54
252.25
23
76-15
162.37
252.27
24
75-72
162.18
252.25
25
75-35
161.98
252.14
26
75-03
161.74
251.91
27
74-77
161.45
251.60
28
74-53
161.16
251.27
29
74-25
160.83
250.92
30
73-98
160.52
250.66
31
73-64
160.21
250.41
32
73-27
159-91
250.16
33
72.86
159-58
249.89
34
72.47
159.22
249.54
35
72.07
158.81
249.10
36
71.68
158.35
248.64
37
71.27
157-89
248.18
38
70.80
157-42
247.77
39
70.29
156.97
247.46
40
69.72
156.57
247.24
41
69.09
156.16
246.99
42
68.49
155.73
246.69
43
67.94
155-29
246.30
44
67.38
154-77
245.75
45
66.90
154.20
245.10
46
66.43
153-59
244.41
47
65-93
152.98
243-74
48
65-36
152.33
243.09
49
64-77
151.71
242-53
50
64.12
151.12
242.01
51
63.40
150.50
241.43
52
62.74
149.86
240.78
53
62.13
149.21
240.09
54
61.51
148.54
239-35
55
60.95
147-87
238.61
56
60.40
147.21
^?>7-^7
57
59-87
146.58
237-14
58
59-34
145.91
236.28
59
58.9T
145-21
235.29
60
.58.51
144.46
234-14
61
58.16
143-63
232-83
62
57.86
142.73
231-39
63
57.60
141.85
230.02
64
57-33
141.04
228.82
65
57-03
140.39
227.90
4 Years.
345-84
345-68
345-76
345-92
345-99
345-92
345-70
345-39
345-06
344-78
344-55
344-38
344.20
343-96
34362
343-21
342.77
342.37
342.10
341.94
341.86
341-74
341-53
341.14
340.58
339-90
339-21
338.55
337-98
337-50
337.03
336.49
335.85
335-14
334.37
333-59
332.81
331.93
330.89
329.63
328.13
326.43
324.62
322.91
321.47
320.49
Years.
443.10
443.02
443-19
443-42
443-55
443-51
443-34
443-06
442.79
442.58
442.43
442.33
442.2c;
441.99
,441.70
441.35
441.00
440.74
440.62
440.59
440.62
440.62
440.45
440.09
439.59
438.97
438.33
437.78
437-33
436.92
436.51
436.04
435.45
434.76
434.05
433.29
432.45
431.49
430.34
4?8.90
427.18
425.28
423.31
421.45
419.99
419.03
y/2%
Am. Ex.
WISCONSIN MINIMUM STANDARD
l^he Wisconsin laws are silent about reser\es lower than "net
])remium." The law has been construed, howe\er, to permit "pre-
linu'nary term." when the ])olicy is so written.
The new laws seem to limit and modify this, however, by ])ro-
viding- (a) for a limitation of first year expense margin to a sum set
free under the "Illinois and 'I'ennessee" standard and (b) for a limita-
tion thereafter for foiu" years to one-and-one-half the loading on a "net
level premiinn" basis and (c) for a limitation thereafter to the loading
on a net le\'el ])remium basis, with the further limitation (d) that the
present \alue of all these "expense charges" shall ])e limited to one-
third the net single premium, whole life, American l*".xperience 3 per
cent., for all plans.
The reserves given herewith ha\e been cominited on that basis.
263
3'/2%
Am. Ex.
WISCONSIN STANDARD.
TERMINAL RESERVES.
WHOLE LIFE.
Age.
I Year.
2 Years.
20
0.00
3.64
21
0.00
3-84
22
0.00
4.06
23
0.00
4.28
24
0.00
4-53
25
0.00
4.76
26
0.(XJ
5.02
27
0.00
5-30
28
0.00
5-58
29
0.00
5-86
30
0.00
6.18
31
0.00
6.51
32
0.00
6.83
33
0.00
7.19
34
0.00
7-56
35
0.00
7.96
36
0.00
8.37
37
0.00
8.76
38
0.00
9.21
39
0.00
9.67
40
0.00
10.15
41
0.00
10.65
42
0.00
II. 17
43
O.CXD
11.70
44
0.00
12.26
45
0.00
12.82
46
0.00
13-38
-^^
0.00
13-95
48
0.00
14-5^
49
0.00
15.08
50
0.00
15.62
51
0.00
16.19
52
0,00
16.73
53
0.00
17.27
54
0.00
17.80
55
0.00
18.30
56
0.00
18.79
57
0.00
19.28
58
0.00
19.71
59
0.00
20.12
60
0.00
20.48
61
0.00
20.80
62
0.00
21.05
63
0.00
21.28
64
0.00
21.36
65
0.00
21.37
3 Years. 4 Years. 5 Years.
7.39 11.25 15.22
7.78 n.87 16.07
8.24 12.55 ^^98
8.71 13-25 17-93
9.18 13.98 18.91
9.67 14.72 19.91
10.19 15.51 20.97
10.75 t^>-35 22.12
11.30 17.20 23.26
11.90 18.10 24.48
12.55 19-08 25.79
13.19 20.06 27.12
13.85 21.07 28.48
14.59 22.17 29.95
15-33 23.29 31.44
16.13 24.48 33.05
16.93 25.71 34.67
17.74 26.93 36-32
18.64 28.28 38.13
19.56 29.66 39 97
20.52 3I-II 41.88
21.53 32.60 43.85
22.54 34.12 45.85
23-62 35.71 47.94
24.70 37.29 50.0 T
25.80 38.91 52.08
26.90 40.49 54- 10
27.99 42.06 56. TO
29.07 43 -60 58.06
30.15 45- 16 60.04
31.20 46.66 61.93
32.28 48.18 63.81
33.29 49.60 65.54
34.30 51.00 67.24
35.28 52.33 68.85
36.19 53-57 70.28
37.08 54.74 71.60
37-91 55.84 72.79
38.69 56.74 73.69
39-37 57-55 74-44
39.92 58.13 74.82
40.40 58.54 74.90
40.71 58.64 74.53
40.91 58.56 73.85
40.82 57.99 72.42
40.54 57.06 70.43
264
3'/2%
Am. Ex.
Age.
1 Year.
20
0.00
21
0.00
22
0.00
2?>
0.00
24
0.00
25
0.00
26
0.00
27
0.00
28
0.00
29
0.00
30
0.00
31
0.00
32
0.00
33
0.00
34
0.00
35
0.00
36
0.00
37
0.00
38
0.00
39
0.00
40
0.00
41
0.00
42
0.00
43
0.00
44
0.00
45
0.00
46
0.00
47
0.00
48
0.00
49
0.00
50
0.00
51
0.00
52
0.00
53
0.00
54
0.00
55
0.00
56
0.00
57
0.00
58
0.00
59
0.00
60
0.00
WISCONSIN STANDARD.
TERMINAL RESERVES.
TWENTY PAYMENT LIFE.
Years. 3 Years. 4 Years. 5 Years.
9.68 19.73 3017 . 41-00
9.92 20.21 30.92 42.02
10.17 20.71 3 1 ■'''7 43-04
10.42 21.24 .^'-47 44-12
10.69 21.79 33.30 45.24
10.97 22.35 34-17 46.42
11.25 22.92 35.03 47.58
11.55 23.52 35.94 48.82
1 1 .86 24. 1 5 • 36.89 50. 1 o
12.16 24.76 37.83 51.37
12.48 25.42 38.81 52.69
12.83 26.10 39-86 54-11
13.15 26.77 40.88 55.49
13-5 f • 27.51 41.98 56.97
13.87 28.23 4308 58.42
14.26 29.01 44-24 60.00
14.64 29.77 4541 61.54
15.01 30.52 46.54 63.07
15-42 31-33 4776 64.71
15.83 32.17 49.02 66.39
16.27 33.04 50.32 68.10
16.69 33-90 51.59 69.78
17-15 34-79 52.93 71-53
17-59 35-68 54-23 72>-22>
18.06 36.57 55.54 74.94
18.52 37-47 56.85 76.59
18.95 38-32 58.04 78.10
19.40 39- 16 5924 79.60
19.82 39.95 60.34 80.98
20.22
40.70 61.39 82.
20.59 41-39 62.37 83.45
20.97 42.10 63.31 84.58
21.33 42.74 64.17 85.54
21.65 43-31 64.90 86.34
21.96 43.83 65.54 87.01
22.22 44.28 66.08 87.50
22.49 44.71 66.55 87.88
22.72 44.99 66.82 87.(>4
22.88 45.24 66.91 S^j.JS
23.02 45.36 66.84 87.3*1
23.11 45.37 66.61 86.59
265
y/2%
10
WISCONSIN STANDARD.
TERMINAL RESERVES.
FIFTEEN PAYMENT LIFE.
Am.
Ex.
Age.
I Year.
2 Years.
20
6.47
20.14
21
6.55
20.52
22
6.68
20.97
-\^
6.77
21-37
-4
6.85
21.80
^S
6.97
22.26
26
7.08
22.74
-7
7.20
23.21
28
7-31
23.71
•29
7-43
24.22
30
7..S6
2475
31
7.67
2S.28
3^
7.80
25.82
2^1
7-94
26.42
34
8.07
27.00
35
8.20
27-59
36
8.34
28.20
?>7
8.48
28.83
38
8.62
29.47
39
8.75
30.09
40
8.89
30.76
41
903
31-44
42
9.16
32. IT
43
9-30
32.78
44
9.41
33-45
45
9-54
34-11
46
9.67
34-79
47
• 9-78
35-42
48
9.88
36.01
49
9.96
36.57
50
10.06
37. T 2
51
lO.II
37-59
52
10.18
38.07
53
10.21
38.45
54
T0.21
38.78
55
10.19
39-04
56
TO.15
39.24
S7
10.07
39-37
58
9.98
39-41
59
9.84
39-33
60
9.67
39.16
6t
9-47
38-89
62
9.22
38.48
63
8.91
37-94
64
8.59
37.21
65
8.19
36-32
3 Years.
4 Years.
5 Years.
34-36
49-15
64.51
35-04
50.15
65.86
35-83
SI. 28
67-34
36.56
52.35
68.77
}.7}^2
53-46
70.24
38-15
54-68
71-85
38.99
55-90
73-45
39.85
57-14
75-11
40.73
58-41
76.80
41.65
59.76
78.56
42.62
61.15
80.41
43-55
62.53
82.24
44-53
63-97
84.14
45-60
65-49
86.15
46-64
67.02
88.13
47-72
68.56
90.19
48.78
70.12
92.23
49-91
71.76
94.40
5 1 -06
73-41
96.58
52-19
75-07
98.75
53-41
76.84
101.06
54-63
78.59
103.34
55-82
80.31
105.59
57-03
82.04
107.82
58.22
83-75
T 10.06
59.41
85-45
112.19
60.63
87.16
1 14.39
61.72
88.69
II6.3I
62.77
90.16
I18.I7
6377
91.56
119-93
64.72
92.88
121.56
65-58
94-05
123.00
66.40
95-17
124.33
67.08
96.07
125.37
67-65
96.81
126.2T
68.12
97-40
T 26.82
68.48
97-8T
127.17
68.66
97-99
I27.T9
68.75
97-93
\2(i.%'J
68.60
9756
T26.II
68.26
96.90
T 24.92
^y-yi
95-97
12330
67.00
94-58
i2r.04
65-97
92.82
T 18.24
64.61
90.50
IT 4. 58
62.91
87.64
II0.I6
266
^1 > WISCONSIN STANDARD.
1/oQn TERMINAL RESERVES.
W ^ A^ TEN PAYMENT LIFE.
Am. Ex.
Age.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
19.64
41-51
64.27
87-98
112.66
21
19.91
42.21
65.41
89.60
114.77
22
20.24
42.99
66.66
91.32
IT 6.99
23
20.55
43-75
67.92
93.08
119.26
24
20.8 s
44-54
69.18
94.84
121.56
25
21.18
45-35
70.51
96.72
123.99
26
21.54
46.23
71.91
98.65
I 26.48
27
2 1 .90
47-12
73-35
100.67
129.10
28
22.25
48.00
74.80
102.68
131.72
29
22.63
48.94
76.33
104.82
134.48
30
23.00
49-87
77-84
106.92
137.21
31
2341
50.90
79-49
109.25
140.22
32
23-83
51-93
81.18
111.61
143.28
33
24.25
52.99
82.90
114.00
146.38
34
24.67
54-05
84.63
116.42
149.48
35
25.12
55-18
86.45
118.94
152.76
36
25-55
56.29
88.25
121.48
156.03
37
26.02
57-47
90.15
124.14
159-48
38
26.48
58.65
92.08
126.84
162.98
39
26.96
59-86
94.05
129.58
166.52
40
27.44
61.10
96.06
132.39
170.13
41
27.91
62.33
98.09
135.21
iiz-l^
42
28.40
63.61
100.14
138.09
177.47
43
28.89
64.89
102.25
141.02
181.24
44
29-37
66.16
104.32
143.88
184.92
45
29.87
67.47
106.44
146.82
188.65
46
3036
68.75
T08.52
149-69
102.32
47
30.82
70.00
110.54
152.47
195-86
48
31-30
71-25
112.54
155.22
199-35
49
3T-74
72.42
114-43
157.82
202.68
50
32.20
73.60
it6.'^2
160.43
205.98
51
32.61
74-71
T 18.12
162.88
209.10
52
33-01
75-77
1 19.81
165.20
212.00
53
3338
76.76
121.40
167.37
214.74
54
33-69
77-65
T 22.83
160.31
217.19
55
33-97
78-45
T24.I4
171.10
219.41
56
34- T 9
79.16
125.27
172.62
221.30
SI
34-35
79-73
126.16
173.82
222.73
58
34-46
80.17
126.92
174.76
223.84
59
34-40
80.46
127.38
175.33
224.45
60
34-46
80.59
127-59
175.56
224.59
61
34-34
80.53
127.49
175.29
224.05
62
34- Ti
80.25
T 27.06
174.56
222.88
63
33-82
79.79
126.25
173-25
220.92
64
33-39
79.04
125.02
T7T-35
218.T5
65
32.84
78.02
T 23.30
i68.7r
21433
267
2^2%
Am. Ex.
Age.
I Year.
2 Years.
20
19.00
48.47
21
18.69
48.08
22
18.39.
4771
2«S
18.07
47-30
24
17.72
46.87
25
17-37
4643
26
17.01
45-98
27
16.66
45-5^J
28
16.27
45-07
29
15.88
44-58
30
1549
44-10
31
15-07
43-59
32
14.66
43.08
33
14.21
42.53
34
1378
42.01
35
1333
41.47
36
12.86
40.89
37
12.40
40.33
38
11.92
39-76
39
11.44
39.19
10
10.95
S8.62
41
10.45
38.03
42
9-95
37-47
43
9-44
36.87
44
8.94
36.32
45
8.44
35-75
46
7-94
35- 16
47
7-44
34-59
48
6.94
33-99
49
6.46
33-40
SO
5-99
32.81
51
5-52
32.23
52
5-o6
31.64
53
4.62
31.07
54
4.20
30.50
55
3.80
29.94
56
340
29-39
57
3.02
28.84
58
2.68
28.29
59
2.35
27-75
60
2.05
27.21
WISCONSIN STANDARD.
TERMINAL RESERVES.
TWENTY YEAR ENDOWMENT.
3 Years 4 Years. 5 Years.
79.16 1 1 1. 13 144.45
78.66 110.57 14379
78.23 110.04 143-17
77.75 109.47 142.5 [
77.22 108.83 141.76
76.70 108.21 141-03
76.15 107.57 140.27
75.63 106.94 139.55
75.05 106.25 138.76
74.45 105.55 137-93
73.88 104.86 137.12
73.27 104.14 136.28
72.63 103.40 135.42
72.00 102.64 13452
71.36 101.88 133.61
70.72 loi.ii 132.72
70.02 100,29 131.73
69-34 99-48 130.79
68.66 98.67 129.83
67.98 97.86 128.88
67.32 97.08 127.94
66.62 96.24 126.93
65-95 95-46 125.98
65.25 94.60 124.93
64-59 93-78 123.94
63.91 92.94 122.85
63.20 92.03 121.68
62.48 91.11 120.48
61.71 90.10 119.16
60.95 89.09 117-85
60.16 88.05 T 16.44
59.41 87.01 115.04
58.59 85.88 113.48
57.80 84.76 I II. 9 1
56.97 83.56 110.23
56.15 82.38 108.52
55.32 81. 1 I 106.69
54.42 79.77 104.69
53-57 7^-3(^ 102.57
52.64 76.87 100.30
51.68 75.30 97.86
268
y/2%
Am. Ex.
WISCONSIN STANDARD.
TERMINAL RESERVES.
FIFTEEN YEAR ENDOWMENT.
Age.
I Year.
2 Years.
20
3703
82.58
21
36.72
82.17
22
36.45
81.81
23
36.14
81.39
24
35-80
80.95
25
35-47
80.51
26
35-14
80.08
27
34-79
79.61
28
34-43
79-13
29
34-05
78.61
30
33-67
78.12
31
33-25
77-56
32
32.84
77-01
33
32-41
76.44
34
31-97
75-87
35
31-51
75.26
S6
31-04
74-63
37
30.57
73-99
38
30.06
73-31
39
29-55
72.64
40
29.02
71.94
41
28.48
71.23
42
27.92
70.50
43
27-35
69-73
44
26.76
68.96
45
26.17
,68.16
46
25-57
67-35
47
24.96
66. SI
48
24.32
65.61
40
23.67
64.68
.=^0
2303
63.72
5'
22.35
62.70
52
21.68
61.68
53
20.99
60.60
54
20.28
59.48
55
19.55
58.30
5^'
18.82
57.09
57
18.06
55-84
58
17-31
54-53
50
16.54
S^■^7
60
15-75
5 • -7.^
61
14-95
50.23
62
14-13
48.66
^•^
13.28
47.00
^•4
'2.43
45-21
'^•5
11.54
4332
3 Years.
4 Years.
130.05
179-54
129.52
178.91
129.08
178.36
128.55
177.72
128.02
177.07
'27.45
176.38
1 26.90
175-71
126.30
174.96
125.70
174-23
125.05
173-45
124.44
172.69
123.72
171.83
123.03
170.97
122.32
170.12
121.58
169.22
120.82
168.26
120.00
167.27
119.20
166.28
118.33
165.21
117.47
164.15
116.59
163.06
115.70
161.95
114.76
160.79
113.76
159-52
112.77
158.27
111.73
156.94
110.67
155.55
109.53
154-07
108.30
152.44
107.02
150.76
105.68
148.98
104.27
14707
102.80
145.09
IOT.2S
142.97
99.6b
140.72
97-88
138.34
96.09
135-83
94.16
133-15
92.19
130.29
90.08
127.24
87.81
123.98
85-43
120.47
82.80
116.67
80.1s
112.56
77-14
108.01
7389
103.02
Years.
231.12
230.38
229.73
228.96
228.20
227.38
226.58
225.71
'224.83
223.90
223.00
221.97
220.96
219.94
218.83
217.70
216.50
215-32
214.03
212.74
211.41
210.07
208.63
207.07
265.53
203.82
202.09
200.20
198.12
195-97
193.67
191.20
188.60
185.81
182.85
179.68
176.33
172.71
168.83
164.67
160.15
155-27
149.94
144-13
137.61
130.45
269
y4%
Am. Ex.
WISCONSIN STANDARD.
TERMINAL RESERVES.
TEN YEAR ENDOWMENT.
Age.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
73-95
152.49
234.37
319-77
408.83
21
7370
152.12
233.87
319.17
408.10
22
7348
15T-77
233-4'
3^8.55
407.35
-\^
73.2T
151-36
232.87
317.88
406.54
24
72.93
1.50.95
232.3 [
317.16
405.65
25
72.64
150.52
231.73
316.43
404.78
26
72.37
150.10
23^.15
315-69
403.88
27
72.07
149.65
230.55
314-94
402.96
2<S
71.76
149.19
229.93
314-15
402.01
29
71.45
148.72
229.30
3 T 3-36
401.04
30
71. ir
148.20
228.62
3 1 '2.47
399.97
31
70-75
147.66
227.88
311.55
398.85
32
70.40
147-T3
227.18
310.67
397-78
33
70.02
146.57
226.4T
309.68
396.59
34
69.64
145-99
225.62
308.71
395.37
35
69.23
T 45 -37
224.79
307.62
394.08
36
68.S0
U4-73
223.92
306.54
392.73
37
68.37
144.08
223.02
305-39
'391-36
38
67.91
143-39
222.09
304.21
389.92
39
67.44
T42.66
221.12
302.98
388.41
40
66.95
141.92
220.11
301.68
386.82
4T
66.43
T41.14
219.05
300.33
385-16
42
6 s. 90
140.34
217.96
298.93
383-44
43
65-33
T 39.47
216.78
297.42
381.58
44
64.75
138.59
2T5-57
295-85
379.66
45
64.16
137.68
214.30
294.20
377-58
46
63-56
136.74
213.01
292.51
375-47
47
62.90
135.73
21T.57
290.64
373-13
48
62.23
1.34.63
210.03
288.61
370.59
49
61.53
133.49
208.39
286.45
367.90
50
60.8^
132.32
206.72
284.25
365.14
51
60.06
131-05
204.89
281.81
362.09
52
59.29
129.72
202.97
279.27
358.86
53
58.47
128.31
200.92
276.52
355-39
54
57.61
126.83
198.74
273.61
351-73
55
56.70
125.22
196.40
270.48
347-76
56
55-74
T23-53
193.90
267.11
343-48
57
54-73
121.74
191.21
263.50
338.85
58
53.69
119.84
188.40
2.59.63
333.91
59
52.57
117.78
185-32
255.43
328.52
60
51.39
115.60
182.00
250.92
322.67
61
50- T 5
113.27
178.47
246.02
316.31
62
48.84
110.81
174.69
240.77
30').46
63
47-47
108.15
170.57
235.00
301.87
64
45-99
105.27
166.10
228.75
293-61
65
44.43
102.20
161.26
221.89
284.49
270
3'/2%
Am. Ex.
WISCONSIN STANDARD.
MEAN RESERVES.
WHOLE LIFE.
Age. I Year. 2 Years. 3 Years. 4 Years. 5 Years.
20 }i.'j'j 7.36 11.06 14.86 18.78
21 3.79 7-58 11-47 1549 19-63
22 3.82 7.82 11.94 16.19 20.56
23 3.84 8.07 12.42 16.91 21.52
24 3.87 8.33 12.92 17.65 22.51
25 3-89 8.59 1343 18.41 23.53
26 3.93 8.88 13.97 19.22 24.61
2^ 3.96 9.18 \A.^(^ 20.08 25.77
28 3.99 949 1514 20.95 26.93
29 4.03 9.81 15.76 21.88 28.17
30 4.07 10.17 16.44 22.89 29.51
31 4.11 TO.53 17.13 23.90 30.87
Z^
33 4-21 11.31
34 4-27
35 4-32 12.1
4.16 10.90 17.83 24.95 32.26
11.31 18.60 26.09 33-77
11-73 19-39 27.26 35.31
oj -r-^- 12.18 20.25 28.51 36.97
36 4.39 12.65 21.12 29.79 38.66
37 4-46 13-12 21.99 31.08 40-37
38 4-54 13-65 22.97 32.50 42.25
39 4-63 14-19 23.97 33.97 44-17
40 4-73 14-77 25.03 35.51 46.19
41 4.83 15.37 26.14 37.11 48.27
42 4.95 16.01 27.28 38.75 50.41
43 5.08 16.68 28.49 40.4Q 52.65
44 5-23 17-38 29.73 42.25 54-90
45 5.39 18.12 31.02 44.06 57.20
46 5S8 18.88 32.33 45-88 59.48
47 5-80 19.68 2,1^-] 47-73 61.78
48 6.04 20.51 35-04 49-59 64.08
49
50
51 7-02 23.23 39.37 SS-n l^■^2^
52 7.43 24.21 40.89 57-29 73.41
53 7-89 25.24 42.35 59-25
54
56 9.60 28.59 47- ^^ 65.16 82.36
57 10.31 29.82 48.78 67.06 84.50
58 11.08 31.09 50.43 68.95 86.45
59 11.94 .32.42 52-11 70.82 88.36
60 12.89 33.80 53.76 72.59 90.04
61 13.95 35-25 55-45 74-32 91-57
62 15.12 36.75 57.11 75.90 ()2.8r
63 16.40 38.36 58.81 77.45 <)3.92
64 17.81 39.<)7 60.38 78.70 <)4.5o
65 19.39 41-67 61.94 79.79 94.73
6.33 21.38 ^6.46 51-50 66.44
6.65 22.28 37.88 53.40 68.76
8.40 26.31 43.95 61.22 78.00
8.97 27.42 45-52 63.15 80.20
271
3'/2%
Am. E:
WISCONSIN STANDARD.
MEAN RESERVES.
TWENTY PAYMENT LIFE.
Age.
I Year.
2 Years.
20
3-77
13.28
21
3-79
13-54
22
3.82
13.80
23
3-84
14.08
24
3-87
14-37
25
3-89
14.67
26
3-93
14.98
27
3-96
15-30
28
3-99
15.64
29
4-03
15.98
30
4.07
16.33
31
4.1 1
16.72
32
4.16
17.09
33
4.21
17.49
34
4.27
17.90
35
4-32
18.35
36
4-39
18.79
37
4.46
19.24
38
4-54
19.72
39
4-63
20.22
40
4-73
20.75
41
4.83
21.28
42
4-95
21.86
43
5.08
22.44
44
5-23
23-05
45
5-39
23.69
46
5-58
24.32
47
5-80
25.00
48
6.04
25.69
49
6.33
26.40
50
6.6s
27.13
51
7.02
27.90
52
7-43
28.69
53
7.89
29-51
54
8.40
30.36
55
8.97
31.24
56
9.60
32.19
57
10.31
33- 16
58
11.08
34-17
59
11.94
35-23
60
12.89
36.35
3 Years.
4 Years.
5 Years.
23-14
33-39
44.02
23.64
34-14
45-05
24.16
34-91
46.07
24.70
35-72
47.16
25.26
36.57
48.29
25-85
37-45
49-48
26.44
38.33
50.66
27.06
39.26
51.91
27.72
40.23
53-21
28.36
41.19
54-50
29.04
42.21
55-84
29.77
43-28
57-29
30.47
44-34
58.70
31-25
45-48
60.21
32.02
46.62
61.72
32.85
47-84
63-34
33-68
49.06
6495
34-50
50.26
66.54
35-39
51-56
68.25
36.31
52.90
70.01
37-27
54-30
71-83
38.23
55-68
73-62
39-25
57-14
75-51
40.28
58.60
77-37
41-34
60.08
79.26
42.42
61.59
81.15
43-48
63.03
82.92
44-58
64.50
84.72
45-67
65-93
86.44
46.75
67-34
88.13
47-82
68.71
89-74
48.95
70. T 2
91.36
50.06
71.48
92.88
51.16
72.79
94.30
52.28
74.07
95-66
53-38
75-31
96.92
54-54
76.57
98.16
55-66
77.71
99.18
56.79
78.80
100.06
57-91
79.82
100.80
59-04
80.79
101.40
272
3'/2%
Am. Ex.
WISCONSIN STANDARD.
MEAN RESERVES.
FIFTEEN PAYMENT LIFE.
Age.
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
2^1
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
6t
r.2
^\^
64
^5
Year.
lO.II
10.21
10.36
10.48
10.58
10.72
10.86
II.OI
I1.I5
II.3I
11.48
11.62
11.80
11.99
12.17
12.35
12.55
12.76
12.98
13.20
13-43
13.67
13.92
14.18
14.44
14.72
1504
15-36
15-70
16.06
16.48
16.90
17-37
17-85
18.36
T8.90
19.49
20. TO
20.78
21.50
22.28
23- T 3
24.04
25.02
26. 11
27.28
2' Years.
23-52
23.92
24.38
24.80
25.24
25-73
26.22
26.72
27.24
27.78
28.35
28.91
29.49
30-13
30-75
31.40
32.06
32.76
33-47
34-^7
34-93
35-71
36-49
37-29
38.10
38-93
39.80
40.65
41-51
42.37
43.26
44.11
45.02
45-88
46.75
47.61
48.48
49-35
50.22
5 T .06
51.90
52.76
53-60
54-44
55-25
56.06
3 Years.
37-47
38.16
38.96
39-70
40.48
41-32
42.18
43-05
43-95
44.89
45-88
46.85
47-86
48.96
50.04
51.16
52.28
53-47
54-69
55-89
57-19
58.51
59-82
61.15
62.50
63.86
65.28
66.62
67-95
69.27
70.59
71-85
73-13
74-32
75-47
76.58
77.65
78.64
79.60
80.44
8T.20
81.91
82.40
82.97
83.26
83.42
Years.
51-97
52-98
54-11
55-19
56-31
57-53
58.76
60.01
61.30
62.66
64.08
65.47
66.93
68.49
70.05
71.64
73-24
74.94
76.66
78.38
80.23
82.08
83.92
85.78
87.65
89.53
91-47
93.26
95-03
96.77
98.47
100.08
101.68
103. T 3
104.48
105.76
T 06.93
107.95
T 08.86
109.55
T 10.07
1 10.45
1 10.54
110.41
109.91
109.08
Years.
67.05
68.39
69.87
71.29
12-77
74-38
75-99
77-64
79-34
81.12
82.97
84.82
86.74
88.77
90-79
92.88
94-97
97.18
99.42
101.66
104.06
106.44
108.80
111.18
113-57
115.92
118.35
120.55
124.85
1 26.89
128.79
130.64
132.27
133-76
I35-II
136.28
137.22
137.92
T 38.3 1
138.40
138.22
137-56
136.54
134.89
132.70
^3
3'/2%
Am. Ex.
WISCONSIN STANDARD.
MEAN RESERVES.
TEN PAYMENT LIFE.
Age.
I Year.
2 Years.
20
23.01
44-45
21
23-30
45-i6
22
23.64
45-94
23
23-97
46.72
24
24.29
47-51
-5
24.64
48.34
26
25.02
49.22
27
25.40
50.13
28
25-78
51-03
29
26.19
51-99
30
26.59
52.94
31
27.03
53-99
32
27.49
55-05
33
27-95
56.14
34
28.42
57-23
35
28.91
58.40
36
29.40
59-55
37
29-93
60.78
38
30.46
62.02
39
31.01
63-30
40
31-58
64.61
41
32.14
65.92
42
32-73
67.29
43
33-34
68.69
44
33-95
70.08
45
34.60
7I-54-
46
35-27
72.99
47
35-92
74-44
48
36.63
75-93
49
37-34
77-37
50
38.10
78.87
51
38.86
80.33
52
39-64
81.78
53
40.44
83.22
54
41.24
84.61
55
42.06
85-98
56
42.89
87-31
57
43-72
88.58
58
44-58
89.80
59
45-44
90.96
60
46.33
92.06
6t
47-23
9307
62
48.14
9398
63
49-10
94-84
64
50.05
95-56
65
51.04
96.17
3 Years.
66.76
67.91
69-15
70.40
71.67
73.00
74.41
75-85
77-30
78.84
80.36
82.03
83-73
85-46
87.21
89.06
90.90
92.85
94.82
96.84
98.92
lOI.OI
103.16
T05.37
107.56
109.82
1 12.07
114.30
116.55
118.72
120.93
123.08
125.18
127.23
129.18
131.07
132.8.^
134.48
136.03
T 37-40
138.62
139-64
140.46
I4T.O5
141.38
141.40
4 Years.
5 Years.
90.00
1 14.19
91.60
116.28
93-32
118.48
9507
120.74
96.82
123.01
98.69
125-43
100.62
127.90
102.63
130.50
104.64
133-10
106.78
135-85
108.88
138-57
1 1 1.20
141-57
113-57
144.62
115-97
147.71
118.40
150.82
120.94
154.10
123-50
157-39
126.18
160.85
128.92
164-37
131.70
167.94
134-56
171.60
137-45
175-29
140.40
179.07
M3-43
182.93
146.42
186.72
149-50
190.60
152.54
194-44
155-54
198.20
158.53
201.94
161.42
205.54
164.34
209.17
167.17
212.66
169.90
215-99
172.54
219.21
175.01
222.19
177-39
225-03
T79.S8
227.60
181.53
229.81
T83-33
231.79
184.84
233-37
186.11
234.61
187.02
235-30
187.61
235-52
187.78
235-12
187-53
234.10
186.74
232.26
274
^1 > WISCONSIN STANDARD.
l/^Mn MEAN RESERVES.
W ^ /^ TWENTY YEAR ENDOWMENT.
Am. Ex.
3 Years. 4 Years. 5 Years.
81.34 112.67 M5-3^
80.89 1 12.13 144-70
80.48 iii/>5 144.12
80.03 1 1 1.12 143-50
79.54 110.52 142.79
79.06 109.95 142.11
78-55 109.35 1 4 1. 4 1
78.08 108.77 140-73
77.55 108.14 139.99
77.00 107.49 ^Z')-^^
76.48 106.86 138.38
75.93 106.21 137.71
75-37 105.53 136-92
74.79 104.85 136.11
74.23 104.17 135.29
73.67 103.49 1 34-49
73.06 102.76 133-62
72.48 102.06 132.78
71.91 101.36 131.95
71.34 100.68 131-13
70.80 100.03 130.34
70.24 99.34 129.50
69.73 98.72 128.74
69.19 98.06 127.90
68.73 97-46 127.13
68.26 96.86 126.33
67.79 96.23 125.47
67.36 95-62 124.62
66.92 94-97 123.70
66.52 94-36 122.81
66.14 93-76 121.90
65-83 93-22 121.03
65.51 92.63 120.08
65.28 92.12 119.18
65.07 91.60 118.23
64.93 91-15 117-34
64.86 90.72 116.40
64.81 90.28 11541
64.87 89.90 1 1 4.40
64.97 89.53 ^^y}S'
65.14 89.19 112.28
Age.
I Year.
2 Years.
20
22.38
51-26
21
22.10
50.90
22
21.83
50.56
23
21.54
50.19
24
21.23
49-79
25
20.91
49-39
26
20.59
48.98
27
20.27
48.60
28
19.92
48.16
29
19-58
47.72
30
19.24
47.29
31
18.87
46-83
32
18.51
46.38
33
18.13
45-90
34
17.76
45-44
35
17-37
44-98
36
16.98
44-48
Z7
16.60
44.01
38
16.21
43-54
39
15-83
43-07
40
15-45
42.62
41
15.06
42.15
42
14.69
41.73
43
14-32
41.29
44
13-98
40.90
45
13-65
40.53
46
1335
40.16
47
13.07
39.84
48
12.83
39-53
49
12.64
39.27
50
12.51
39-05
51
12.42
38.88
52
12.37
38.75
53
12.40
38-69
54
12.50
38.68
55
12.67
38.76
56
12.92
38.90
57
13-25
39-11
58
13.69
39-42
59
14.23
39.82
60
14.89
40-33
275
f^i J WISCONSIN STANDARD.
^/^Qfl MEAN RESERVES.
ll ^ /^ FIFTEEN YEAR ENDOWMENT.
Am. Ex.
Age.
I Year.
2 Years.
3 Years.
20
40.04
84.67
131.18
21
3976
84-29
130.69
22
39-52
83-96
130.27
23
39-24
83-57
129.78
24
38.93
83-17
129.28
25
38.63
82.76
128.75
26
38.34
82.37
128.25
27
38.02
81.94
127.69
28
37-70
81.50
127.14
29
37.37
8r.o4
126.54
30
37.04
80.59
125.98
31
36.66
80.09
125-32
32
36.31
79.60
124.69
33
35-94
79.09
124.05
34
35-56
78.58
123-39
35
35-17
78.05
122.70
3^'
34-77
77-50
T21.98
37
34-38
76.95
121.27
38
3396
76.37
120.50
39
33-55
75.80
119.76
40
33-12
75.21
119.00
41
32-70
74.63
118.24
42
32-27
74.03
117-45
43
31-83
73-42
116.62
44
31-40
72.82
115.82
45
30.98
72.21
114.99
46
30.58
71.62
114.17
47
30.19
71.03
113-32
48
29.81
70.42
112.41
49
29.45
69.81
111.49
50
29-15
69.22
110.55
51
28.84
68.61
109.57
52
28.59
68.04
108.60
53
28.36
67-47
107.60
54
28.17
66.91
106.57
55
28.02
66.36
105.53
56
27-93
65-85
104.48
57
27.88
65-36
103.41
58
27.91
64.90
102.34
59
28.01
64.48
101.25
60
28.18
64.09
100.12
61
28.44
63.74
98.98
62
28.80
63.44
97.82
63
29.24
63.19
96.62
64
29.82
62.96
95-32
65
30-51
62.79
9396
4 Years. 5 Years.
179.66 230.19
179.06 229.49
178.55 228.87
177.94 228.15
177.34 227.43
176.69 226.65
175.06 225.90
175-37 225.07
1 74.69 224.25
173.96 223.38
173.26 222.54
172.46 221.58
1 7 1 .67 220.64
170.89 219.70
170.06 218.69
169.20 217.64
168.30 216.55
167.41 215.47
166.45 214.30
165.51 213.15
164.56 211.97
163.60 210.78
162.60 209.53
161.52 208.17
160.48 206.86
159-38 205.43
158.27 203.98
157.10 202.43
155.82 200.73
154.53 199.00
153.18 197.17
151.76 195.22
150.31 193.21
148.79 191.07
147.19 188.82
145.55 186.45
143-85 183.97
142.06 181.34
140.22 178.54
138.29 175.58
136.24 172.41
134.10 169.02
131.83 165.35
129.40 161.39
126.72 156.95
123.81 152.09
276
3'/2%
Am. Ex.
WISCONSIN STANDARD.
MEAN RESERVES.
TEN YEAR ENDOWMENT.
Age. I Year. 2 Years. 3 Years. 4 Years. 5 Years.
20 76.20 153.13 233.34 316.98 404.21
21 75.97 152.79 2^2&'] 316.40 403.51
22 75.78 152.47 232.43 315.82 402.79
23 75.54 152.09 231.92 315-18 402.02
24 75.29 1 5 1. 7 1 231.40 314.50 401.17
25 75.03 I51.3I 230.86 313.81 400.34
26 74.79 150.93 230.32 313.II 399.48
27 74.53 150.52 229.76 312.40 398.61
28 74.25 150.10 229.18 311.66 397.70
29 73-99 149.67 228.60 310.92 396.79
30 73.69 149.20 227.96 310.09 395.77
31 73.37 148.71 227.28 309.22 394-71
32 73.08 148.24 226.63 308.40 393-70
33 7'2-1^ 147-7-3 225.93 30748 392.57
34 72.43 147-22 225.21 306.57 391.44
35 72-09 146.67 224.45 305-57 390.22
36 71.73 146.10 223.66 304.57 388.97
37 71-37 145-53 222.86 303.51 387.68
38 71.00 144.93 222.02 302.43 386.35
39 70-62 144.31 221.15 301-31 384-95
40 70.23 143.67 220.25 300.13 383.49
41 69.82 14301 219.32 298.91 381.97
42 69.41 142.34 218.37 297.66 380.40
43 68.98 141.62 217.34 296.32 378.72
44 68.55 MO.90 216.31 294.94 376.98
45 68.12 14017 215.24 293.50 375-14
46 67.72 139-44 214.16 292.05 37328
47 67.27 138.66 212.99 290.45 371.23
48 66.85 137-84 211.74 288.73 36901
49 66.43 "37-00 210.43 286.91 366.67
50 66.05 136.18 209.13 285.09 364.30
51 65.65 135-29 207.71 283.09 361.69
52 65.28 134-40 206.24 281.01 35896
53 64.91 133.47 204.69 278.80 356.03
54 64.56 132.52 203.08 276.47 352.97
55 64.21 131.51 201.36 273.99 349-67
56 63.87 130.48 199.56 271.35 346.14
57 63.55 129.41 T97.65 268.53 342.35
58 63.27 128.33 195.68 265.58 338.33
59 63.00 127.17 193-55 262.37 333-97
60 62.76 125-99 191.29 258.95 329.29
61 62.56 124.76 188.92 255.30 324.22
62 62.39 123.52 186.44 251.42 318.81
63 62.29 122.21 183.76 247.19 312.84
64 62.21 120.84 r 80.90 242.64 306.39
65 62.21 119.43 177.84 237.69 299.30
O™ 3'/2%
SELECT and ULTIMATE.
The ''select and ultimate" method of \aluation requires no
further explanation.
The O^^^'i (select) table is the only authoritative table of that
character, based upon the combined experience of insurance compan-
ies. It embraces the entire experience of all British companies up to
the year 1893 and its construction was the result of years of labor and
care, on the part of a joint committee of the Institute of Actuaries
and the Faculty of .Kctuaries.
It traces the effects of fresh medical selection for 10 years,
mergiuijj into an ultimate table, O^^I^^^^, after the 10th year of insur-
ance.
In the absence of a similar table deduced from the experience
of companies of Canada and the United States, it is undoubtedly the
closest approximation of average experience among select insured
lives in both countries. Accordingly the "margins" set free by it are
the best available criterion of the maximum value of new insurances
to a company.
279
3'/2%
OM[io:
NET ULTIMATE PREMIUMS.
Age.
O.L.
20 P.L.
15 PL-
10 P.L.
20Y.E.
15Y.E
20
■3- '9
20.24
24.00
33-55
.^K^^
53-85
21
K^■s?,
20.62
25.06
34- '7
38-37
53-90
22
13.88
2 1 .02
25-54
34-81
38-44
53-95
23
14.24
21.44
26.03
35-47
38-52
54.01
-24
14.' '3
21.87
26.54
^6.16
s8.r,o
54.08
-25
15-03
22.7,2
27.07
36.87
38.6(;
54-15
2r»
154^'
22.78
27.62
37.60
38.79
54-23
27
1 5 'JO
23-26
28.19
38-36
38.90
54-32
28
">-37
^3-7(^
28.78
30-14
39.02
5441
2()
16.86
24.28
29-39
39-95
39.16
54-51
3(>
'738
24.82
30.03
40.79
39.30
54.62
31
17.92
25-38
30.68
41.66
39.46
54-75
3-2
18.50
25-97
31-36
42.55
39.63
54-89
3?,
19.10
26.57
32-07
43-48
39.82
55-04
34
1973
27.20
32.79
44-43
40.02
55-19
35
20.39
27.86
33-55
45-42
40.25
55-38
3^^
2 1 .09
28.54
34-33
46.43
40.49
55-57
37
21.83
29.26
35- '5
47-49
40.76
55-78
38
22.61
30.00
35-99
48-57
4 1 .06
56.01
39
2343
30-77
36.87
49-69
41.38
56.27
40
24.29
3^-58
7,7-77
50-84
41.73
56.55
41
2S.20
32.42
38-71
52-04
42. 1 2
56-85
42
26.16
33-30
39-69
53.27
42.54
57-18
43
27.17
34-23
40.71
54-54
43.01
57-55
44
28.24
35-19
41-77
55-85
43-51
57.95
45
20.38
36.21
42.86
57-^ 1
44.07
58.39
46
30.57
^7■^7
44.01
58-61
44.68
58-87
47
3>.84
38-39
45-20
60.0 s
45-34
59-40
48
33-18
39-56
46-45
6f-55
46.07
59-98
49
34-59
40.80
47-75
63.09
46.87
60.61
50
36.09
42.1 1
49- 1 1
64.6(j
47-74
6 r . 30
51
37.68
43-49
50.53
66.35
48.70
62.b6
52
39-37
44-95
52.03
68.07
49-74
62.90
53
41.16
46.50
53-59
69.85
50.89
6v8i
54
43.06
48.15
55-24
71.70
52-14
64.81
55
45 -07
49.90
56-98
73.62
53-52
65.91
5^>
47-21
51-76
58.81
75-61
5502
67.11
57
49-49
53-74
60.74
77.70
56.66
68.43
58
5 1 -90
55-87
62.79
79-87
58-45
69.88
59
54-48
58.14
64.96
82.14
60.41
71.47
60
57-21
60.57
67.27
84-52
62.55
73.22
61
60. 1 3
69.73
87.01
75-13
62
^>3-24
72-35
89-63
77-2?,
63
^^^^■5S
75-^6
92.40
79.52
64
70.08
78.16
95-3 1
82.05
65
73-86
81.38
98.39
84.82
loY.E,
85-74
85-78
85.82
85.86
85.92
85-97
86.0^
86. TO
86. 1 7
86.25
86.34
86.43
86.54
86.65
86.78
86.91
87.06
87.23
87.40
87.61
87.82
88.05
88.31
88.60
88.90
89.25
89.61
90.02
90.47
90.95
91.49
92.07
92.72
93-42
94.19
9503
95-96
96.98
98.09
99-31
100.65
102.13
103-75
105.52
107.48
109.63
28o
3'/2%
SELECT AND ULTIMATE.
NET SINGLE PREMIUMS.
OEM]
Age.
[x]
[X]+I.
[x]+2.
[x]+3.
[x]+4.
[x]+5.
20
272.24
279.88
286.56
293.04
299.52
306.05
21
277.31
285.11
291.96
298.63
305.30
312.00
22
282. S2
290.52
297.54
304.40
311.24
318.15
^3
287.93
2(/).o8
303.30
310.35
317-39
324.49
24
29347
301.84
309.24
316.48
323-72
331.02
25
299.22
307.76
315.36
322.80
330.24
337.74
26
305- 1 7
3 > 3.88
321.68
329-31
336.96
344.66
27
311.26
320.17
328.18
336.02
34387
35^.77
28
317-55
326.65
334.87
342.91
350.99
359.10
29
324.01
33332
341-75
350.01
358.29
366.62
30
330.67
340.19
348.83
357-31
365.81
374.35
31
337-54
347.25
356.11
364.80
373.52
382.28
32
344-57
354.50
363.58
372.50
381.43
390.42
33
351-81
361.95
371.25
380.40
389.55
398.76
34
359-21
369.60
379.12
388.50
397.87
407.30
35
366.86
377.44
387.20
396.79
406.40
416.04
36
374-67
385.48
395-47
405.29
415.12
424.98
37
382.68
393-71
403-93
414.00
424.03
434. T 3
38
390.86
402.13
412.60
422.88
433.16
443.46
39
399-25
410.80
421.44
431.97
442.48
452.98
40
407.84
419-57
430.50
44T.25
451.97
462.70
41
416.60
428.57
439.72
450.70
461.65
472.59
42
425-56
437-75
449.15
460.35
47i.5f
482.65
43
434.69
447.11
458.73
470.16
481.54
492.87
44
443-96
456.64
468.51
480.15
491.73
503.26
45
453-46
466.35
478.44
490.31
502.10
5^3.81
46
463.10
476.21
488.53
500.61
512.59
524.49
47
472.87
486.23
498.76
51T.07
52323
535.32
48
482.81
496.40
509.16
521.65
534.01
546.25
49
492.92
506.70
519.68
532.37
544.89
557.30
50
503-14
517.13
530.3 T
543.19
555-89
568.42
5r
513-48
527-68
541.07
554.13
566.98
579.66
52
523-93
538.34
551.92
565.16 •
578.15
590.95
53
534-48
549.10
562.86
576.26
589.39
602.30
54
545- H
559.94
57389
587.42
600.69
613.69
55
555.86
570.85
584.97
.598.65
6t2.01
625.09
5^>
S66.68
581.82
596.09
609.90
(^2^■?>^
636.52
57
5775^
592.84
607.25
62 1 . 1 7
^\^4.72
647.92
58
588.42
603.89
618.43
632.46
646.07
659.30
59
.599-3 T
614.95
629.6 T
64372
657.37
670.61
60
610.27
626.0 1
640.77
654.95
668.65
681.90
61
62T.T9
637.06
651.90
666.15
679.86
693.09
62
632.09
648.07
662.98
677.27
69o.()()
704.17
^>3
642.96
659.02
674.00
688.30
702.00
7' 5-1 5
f>4
653-79
669.93
684.95
699-25
712.90
725.tr/
^^5
664.56
68c,.74
695.81
710.07
723.69
736.6.,
28l
3'/2%
OtM]
SELECT AND ULTIMATE.
NET SINGLE PREMIUMS.
Age.
[x]+6
[xj-r7
LxJ 18
[x| • 9
X +10
20
312.62
319.25
325-93
332.68
339-49
21
318.76
325.59
332.48
339.42
346.42
22
325-11
T,2,2.\2
339-20
346.35
353-55
^3
?>Z ' -(^u
338.85
346.14
353-48
36o.8(;
-4
338.37
345.78
ZSZ-27
^60.82
368.43
-^
345-29
?,S2-9^
^60.61
368.37
376.18
2f)
352.42
360.25
368.15
376.11
384-13
— /
359-75
367.79
375-89
384-06
392.29
2K
367.28
375-53
383.85
392.22
400.66
2()
375-02
383-48
391-99
400.58
409.23
30
382.97
391-63
400.37
409.16
418.00
3^
391.10
399-99
408.93
417-94
426.99
32
399.46
408.55
417.71
426.91
436.16
33
408.0 T
417-31
426.68
436.08
445.54
34
416.76
426.29
435-85
445-46
455.11
35
42S-7-
435-45
445-22
455.03
464.87
36
434-88
444-82
454-79
464.79
474.82
37
444-23
4.54-38
464-54
474.73
484.93
38
453-77
464.12
474.14
484.84
495.23
39
463-51
474-05
484.59
495-14
505.68
40
473-42
484-15
494.88
505-59
516.29
4T
483-50
494.42
505.32
516.21
527-05
42
493-78
504.86
515.93
526.96
537.95
43
504-19
515-45
526.67
^^ll^
548.96
44
51 4-75
526.19
537-55
548.87
560.11
45
525-47
537.06
548.57
560.00
571-33
46
536-32
548.06
559.69
571-23
582.64 •
47
547-28
559.15
570.91
582.55
594-05
48
558.37 •
570.36
582.22
593-94
605.49
49
569-55
.581.65
593.61
605.40
616.99
50
580.80
.593.01
605.03
616.88
628.52
51
592.13
604.44
6x6.^2
628.39
640.04
52
603.53
6x5.90
628.04
639-93
651.55
53
614.96
627.39
639-54
651-46
663.09
54
626.41
638.88
651.06
662.95
67453
55
637.87
650.35
662.54
674-39
685.93
5^>
649.34
66T.82
673-98
685.79
697.24
■1/
660.75
673.26
685.38
697.11
708.47
5S
672.12
684.60
696.66
708.34
719-56
59
683.46
695-87
707.86
719-43
730.53
60
694.69
707.03
718.94
730.40
741-34
61
705-83
7T8.TT
729.89
741.21
751.29
r.2
716.85
729.02
740.70
751-85
762.48
''v^
727.75
739-79
751.31
762.29
77^-73
^'4
7?.^-A^
750.40
761.75
77 2 -S^^^
7^2.76
<^>5
749-03
760.80
772.00
7?.2r^^
792 -SO
282
3'/2%
SELECT AND ULTIMATE.
IMMEDIATE LIFE ANNUITIES DUE.
0[M]
Age.
[x] [
x] + i.
[x]+2. [
x]+3- [x]+4- [x]+5.
20
21.521 21.295
21.097 20.906
'O.714 20.522
21
21.371 21.140
20.938 20.741
JO. 544 -
20.345
22
21.217 :
20.981
20.777, 20.570
20.367 20.163
23
21.057
20.81 6
20.602 20.3<;4
'o."i86
19.976
24
20.893
20.646
20.427 20.2 1 3
V-<W
^9-783
-5
20.723
20.470
20.246
20.026 I
9.8c6
9-584
26
20.547
20.290
20.059
9.833 J
9.607
19-379
27
20.367
20.104
19.867
9-635 •
9-403
9.169
28
20.181
9.912
19.669
9-431 1
9-193
L8.953
29
19.990
9-715
19-465
19.221 1
8-976
[8.730
30
19793
9-512
19.256
19.005 1
8.754
[8.501
31
19-5'^
9303
19.041
8.784 I
8.526
[8.267
32
19.382
L9.088
18.820
L8.556 1
8.292
[8.026
33
19.168
8.868
18.593
[8.323 1
8.051
17.7^0
34
18.949
8.642
18.360
8.083 1
7.806
7-527
35
18.723
8.410
18.122
7-838 1
7-554
7.269
3^>
18.492
8.172
17.877
17.586 ]
7.296
7-004
37
18.255
7.929
17.626
7-329 1
7-032
6-734
38
18.013
7.679
17.370
7.066 1
6.762
6.458
39
17.765 ]
7-425
17.108
6.797 I
6.487
6.176
40
17.511 1
7.164
16.841
6.523 1
6.206
5.889
41
17.252
6.898
16.568
6.243 1
5.920
5-597
42
16.987
6.626
16.290
5-958 1
5-628
5-299
43
16.717
'"'-350
16.005
5.668 I
5-331
4-996
44
16.442
6.068
15-717
5-373 •
5-030
4.68.)
45
16.162
5-781
15-423
5.072 1
4-724
4-377
46
T 5-877
5-489
15-125
4.768 1
4-413
4.061
47
15-588
5- '63
14.822
4-459 1
4.098
3-742
48
15-294
4-8<;2
14.515
4.146
3.780
3-418
49
14-995
4-588
14.204
^.'^2i)
3-458
3-o<;2
50
i4-^>93
4.279
13-889
3-508 I
3-133
2.762
51
14-387
3-9^7
13-571
3.185 1
2.805
2.430
52
14.078
3-'"'5i
13-250
2.859 1
2.474
2.096
53
13.766
3-334
12.927
2.531 1
2.142
1.761
54
T 3-45 1
3-013
12.601
2.200 1
1.808
1.424
55
13- '.34
2.6(jO
12.277,
i.Srxj 1
1.473
1 .087
56
12.814 1
2.366
11.944
■•536 I
i.m8
0.749
Tsl
12.463
2.040
11.61 5
1.203 1
0.802
0.412
58
12.171 1
T-713
11.284
0.8rK; 1
0.467
0.076
59
1 1 .84(;
1-387
10.953
0.536 I
0.132
9.740
60
' ^-S^S
1 .060
10.623
0.204
6.799 •
9.407
r.r
1 1 .202
0.733
10.294
9.873
9.467
9.076
r.2
10.880
0.407
().966
9.544
0.m8
8.748
^>3
10.558
0.083
9.640
0.217
8.812
8.424
(A
10.238
(;.76"i
9.316
8.8<,4
8.4. ,0
8.10^
C>5
9.920
9.441
8.996
^■57^
8..71
7-7^7
283
V
/.Q^
SELECT
AND I
0'
^270
IMMEDIATE
LIFE A
Qim
Age.
[x]+6
[x]+7
[x]+8
20
20.327
20. 1 3 1
19-933
21
20.145
19-943
19.740
22
19-957
19-750
19-540
-'3
[9.764
19-551
19-336
-24
19.566
19.346
19-125
-'5
19.360
19.136
18.908
2()
19.150
18.918
18.685
27
18.933
18.696
18.456
28
18.710
18.467 .
18.221
29
18.482
18.231
17-979
30
18.247
17.991
17.732
31
18.006
17-743
17-479
32
17759
17.490
17.219
33
17.506
17.231
16-954
34
17.247
16.966
16.683
35
16.982
16.694
16.405
3'^>
16.712
16.418
t6.T2^
37
T 6-435
16.T35
15-834
38
T6.153
15.846
15-541
3')
T 5-865
15-553
15.241
40
15-572
15.254
14-937
41
15-273
14-951
T 4.628
42
T 4.970
14.642
14-315
43
14.662
T 4.329
13-997
44
U-349
14.011
13-675
45
14033
13.690
13-350
46
13.712
13-365
13.021
47
T3-387
13.036
12.689
48
13.060
12.705
12-354
49
T2.730
12.371
12.018
50
12.396
12.035
IT. 679
51
T2.o6r
IT. 698
11-340
52
IT. 724
11-359
1 1 .000
53
T 1.386
I T.OI9
10.659
54
T 1 .048
T 0.679
10.319
55
10.709
10.339
9-979
5^)
10.370
TO.OOO
9.641
^l
T 0.032
9.663
9.304
58
9.695
9.327
8.970
59
9-36T
8.994
8.639
60
9.028
8.663
8.31T
61
8.699
8.336
7.988
62
8-373
8.013
7.668
^>3
8.05 T
7.695
7-354
r,4
7-734
7-381
7-045
^\5
7.421
7-073
6.743
[x]+9
X -J-io
19.734
19-533
19-535
19-327
19-329
19.1 16
1 9. 11 8
18.899
18.902
18.677
18.679
18.447
18.449
18.212
18.214
17.971
17-973
17.724
17.726
17.470
17-472
17.211
17.213
16.945
16.947
16.674
16.676
16.396
16.399
16.113
16.115
15-825
15-827
15-531
15-533
15-231
15-233
14.927
14.929
14.618
14.620
14-304
14-307
13.986
13-989
13.664
13.666
13-338
13-341
13-009
13.012
12-677
1 2.680
12.341
12.345
12.005
12.008
11.666
11.669
ir.326
11-3.^0
10.985
1 o.()89
1 0.644
10.648
10.303
10.307
9-963
9.967
9.624
9.628
9.288
0.292
8.953
8.957
8.621
8.625
8.2C):;
8.297
7.068
7-973
7.649
7-653
7-334
7-339
7.024
7.020
6.721
6.726
6.424
6.429
6.134
284
3'/2%
OEM]
SELECT AND ULTIMATE.
TERMINAL RESERVES.
WHOLE LIFE.
Age.
I Year.
2 Years.
20
— 10.67
0.00
8.25
21
—10.97
0.00
8.78
22
—11.29
0.00
9-33
22>
—11.62
0.00
9-85
24
-11.96
0.00
10.42
25
—12.32
0.0 1
10.99
26
— 12.46
•23
11.61
27
— 12.65
-46
12.20
28
—12.86
.67
12.86
29
—13.10
-85
13-47
30
—13-35
1.06
14-15
31
-13-58
1.29
14-83
32
—13.90
1.45
15-49
33
— 14.21
1.66
16.22
34
—14-59
1.86
16.94
35
—14.94
2.02
17.64
36
—15-36
2.19
18.39
^^
—15.81
2-35
19.16
38
—16.33
2.51
19-95
39
—16.89
2.58
20.69
40
—17.46
2.69
21.46
41
— 18.11
2.78
22.27
42
—18.81
2.83
23-03
43
-19-57
2.85
23.84
44
—20.45
2.83
24.58
45
—21-33
2.76
25-35
46
—22.32
2.69
26.13
47
—23.40
2-51
26.89
48
— 24.60
2.32
27-59
49
-25-83
2.07
28.30
50
—27-19
1-73
28.98
51
—28.70
T.36
29-65
-52
—30.34
.^7
30.27
53
— 32.10
•30
30.83
54
-33-68
0.00
31-37
55
—35-02
0.00
31-79
56
—36.42
0.00
32.21
57
-37-89
0.00
32.50
58
-39-43
0.00
32.77
1"^
—41.04
0.00
32.93
60
—42.73
0.00
32.99
61
—44-50
0.00
32.95
62
—46.35
0.00
32-77
63
—48.30
0.00
32.46
64
—50.33
0.00
32.01
65
—52.47
0.00
31-41
3 Years. 4 Years. 5 Years.
17.30 26.29 35-35
18.12 27.43 36.84
18.98 28.66 38.39
19.86 29.89 39.96
20.80 31-16 41.61
21.73 '3248 43-31
22.74 33.88 45.10
23-73 35-31 46.94
24.81 36.77 48.80
25.89 38.28 50.75
26.98 39.85 52.80
28.13 41.48 54.90
29.31 43.11 57.00
30.52 44.85 59.26
31.77 46.63 61.53
33.04 48.43 63.88
34-35 50.34 66.32
35.70 52.26 68.83
37.12 54.26 71.44
38.50 56.27 74.07
39.94 58.35 76.77
41.44 60.51 79.59
42.92 62.68 82.47
44.46 64.96 85.40
45.97 67.22 88.41
47-53 69.56 91.45
49-13 71-95 94-60
50.73 74-39 97-8i
52.37 76.81 101.06
53-98 79-34 104.39
55.61 8T.86 107.78
57.26 84.45 1 11-23
58.89 87.04 1 14.72
60.49 89.65 118.24
62.16 92.30 121.83
63-73 94-91 125.40
65.30 97.56 129.06
66.81 100.19 132.68
68.31 102.82 136.35
69.75 105.44 140.04
71.14 108.03 143.69
72.47 110.59 147.33
73.68 113-07 150.96
74.90 115.56 154-55
75.94 117.94 158.08
76.90 120.23 161.56
285
3'/2%
QLM]
SELECT AND ULTIMATE.
TERMINAL RESERVES.
WHOLE LIFE.
Age.
6 Years.
7 Years.
8 Years.
9 Years.
10 Years.
20
44.48
53-72
63.02
72-40
81.84
21
46.30
55-85
65-50
75.20
85.00
22
48.19
58.09
69.08
78.15
88.33
23
50-14
60.41
70.73
81.18
91.70
24
52-13
62.78
73-49
84.31
^If
25
54-24
65.24
76.32
87-53
98.84
26
56.42
67.82
7930
90.90
102.61
27
58.65
70.46
82.36
94-39
106.49
28
60.95
73-19
85-53
97-95
110.47
2Q
63-34
76.03
88.81
101.66
114.62
30
65.82
78.94
92.16
105.48
118.89
31
68.38
81.96
95-66
109.43
123.26
32
70.99
85-07
99.24
113.46
127.77
33
73-72
88.28
102.92
117.67
132-44
34
76.56
91.61
106.76
12T.99
137-24
35
79.42
95.02
110.70
126.41
142.17
36
82.39
98.53
T 14.72
1 30.96
147-23
37
85-47
T02.18
118.89
. 135-65
152-44
38
88.66
105.91
123.20
140.51
157.81
39
91.89
109.71
127-57
145-43
163.26
40
95-21
113.66
132.08
150.49
168.89
41
98.66
117.71
136.74
155-71
174-65
42
102.16
121.85
141.48
161.04
180.52
43
105-79
T26.10
146.37
166.51
186.55
44
109.47
1 30.46
15^-35
172. TO
192.67
45
113-23
134-89
156.41
177.76
198.93
46
117. 12
T 39-44
161.62
183.59
205.32
47
121.06
144.11
166.93
189.51
211.85
48
T 25.08
148.86
i72..^4
195-57
218.46
49
129.18
153-67
^77 -^S
201.69
225.18
50
133-36
158.60
183.47
207.94
231-98
51
137.62
163.61
189.17
214.28
238.92
.^2
141.94
168.70
194.96
220.73
■ 245-93
53
146.31
T 73-83
200.81
227.21
252.98
54
T 50.76
179.08
206.77
233.82
260. T 6
55
^55-25
184.38
212.79 .
240.44
267.34
56
1.59-77
189.71
218.84
247-13
274.60
57
164.32
195-07
224.91
253-88
281.86
58
168.91
200.48
231.08
260.63
289.16
59
173-52
205.93
237.22
267.4^
296.46
60
178.15
2II.4I
243-43
274-21
303.76
61
182.76
216.84
249.60
281.00
311-03
62
187.36
222.29
255-75
287.74
318.26
63
191-93
227.73
261.91
294.48
325-43
64
196.47
233.12
267.98
301.14
332.52
65
200.96
238.45
27403
307-74
339.53
286
%%%
SELECT AND ULTIMATE.
TERMINAL RESERVES.
WHOLE LIFE.
Age.
II Years.
12 Years.
13 Years.
14 Years.
15 Years.
20
91-47
T01.41
111.60
122.07
132.86
21
95.02
105.27
115.82
126.69
137.82
22
98.66
109.28
120.23
131-44
142.94
23
102.41
"3-44
124.73
136.33
148.20
24
106.32"
117.71
129.40
141.36
153-67
25
1 10.33
122.11
134.18
146.59
159.26
26
114.50
126.67
139.18
151-97
165-03
27
118.77
131.40
144-30
157.48
170.99
28
123.22
136-25
149-55
163.18
177.09
29
127.77
14T.20
154-97
169.02
183-36
30
132.46
146.37
160.56
175-05
189.84
31
137-32
151.66
166.30
181.25
196.46
32
142.27
157.07
172.19
187.56
203.22
33
147-41
162.70
178.25
194.08
210.19
34
152.71
168.45
184.47
200.77
217-33
35
158.10
174-32
190.83
207.59
224.61
36
163.67
180.38
197.36
214.60
232.06
37
169.38
186.59
204.06
221.75
239.67
38
175-25
192.97
210.90
229.08
247.48
39
181.23
199-43
217.87
236-53
255-35
40
187.36
206.07
225.02
244.12
263.44
41
193.66
212.90
232.30
251.92
271.67
42
200.07
219.79
239-73
259.80
280.02
43
206.60
226.87
247.29
267.85
288.51
44
213.30
234.07
254-99
276.01
297.11
45
220.08
241-39
262.79
284.27
305-79
46
227.03
248.84
270.73
292.66
314.62
47
234.09
256.40
278.76
301.16
323-54
48
241.23
264.05
286.90
309-74
ll^S^
49
248.48
271.82
295- H
318.40
341-58
50
255-83
279.67
30344
Z^I-'^T^
350.69
51
263.30
287.61
311.84
335-94
359-87
52
270.81
295-62
320.28
344.78
369.06
53
278.39
303.66
328.76
353-63
378.26
54
286.06
311-79
337-30
362.54
2^^7Ay
55
293-75
319.92
345-83
371.41
396.64
56
301.48
328.09
354-36
380.27
405-79
57
309.22
336.23
362.87
389.10
414-87
58
316.95
344-37
371-36
397-88
423-87
324.69
352.50
379.82
406.58
432.80
60
332.43
360.59
388.19
415.21
441.62
61
340.10
368.58
396.47
42372
450.29
62
347-68
376.49
404-65
432.10
458.81
63
355-22
384-34
412.73
440.35
467.16
64
362.66
302.05
420.64
448.39
47530
65
369-99
399-61
428.38
456.26
A^},-21
28;
y/2%
SELECT AND ULTIMATE.
TERMINAL RESERVES.
WHOLE LIFE.
Oti^]
Age.
16 Years.
17 Years.
18 Years..
19 Years.
20
143-91
155-25
166.86
178.80
21
149-23
160.93
172.95
185.24
22
154-72
166.84
179.21
191.85
23
160.40
172.88
185.61
198.67
24
166.24
179.08
192.24
205.67
25
172.21
185.48
199.02
212.85
26
178.42
192.08
206.02
220.26
27
184.77
198.84
213.21
227.82
28
191.30
205.80
220.55
235-57
29
198.01
212.90
228.07
243-50
30
204.88
220.21
235-79
251.62
31
211.94
227.69
243-69
259-93
32
219.15
235-32
251-74
268.37
33
226.55
243-17
259-99
277-03
34
234-14
251.16
268.41
285.87
35
241.84
259-30
276.98
294.80
36
249.74
267.65
285.70
303-95
37
257.82
276.11
294.61
313-23
38
266.03
284.78
303-66
322.69
39
274-38
293-54
312.84
332-23
40
282.88
302.47
322.16
341.90
41
291.56
311-55
331-61
351-71
42
300-34
320.72
341-14
361.60
43
309.24
330.01
350.81
371.61
44
318.24
339-41
360.57
381.67
45
327-35
348.90
370.38
391-79
46
336.58
358.47
380.29
401.99
47
345-86
368.11
390.24
412.21
48
355-22
377-80
400.22
422.45
49
364.64
387-54
410.23
432.70
50
374-09
397.29
420.25
442.92
51
383-59
407.07
430.26
453-12
52
393-10
416.82
440.23
463.28
53
402.57
426.54
450.16
473-35
54
412.05
436.26
460.04
483.35
55
421.48
445-88
469.80
493.22
56
430.86
455-42
479.48
502.98
57
440.13
464.86
489.02
512.58
58
449-32
474-19
498.43
522.02
59
458.41
483-38
507.68
531-26
60
467.36
492.41
516.73
540.30
61
476.15
501.24
525-57
549-10
62
484.74
509-87
534-18
557-64
^3
493-15
518.29
542.54
565.91
64
SOI. 32
526.43
550.62
573-87
65
50925
534.32
558.41
581.51
20 Years.
191.00
197.79
204.81
•211.99
219.38
226.96
234.74
242.70
250.85
259-17
267.70
276.38
285.22
294.28
303-47
312.82
322.33
331-99
341.80
351-68
361.69
371-84
382.05
392.34
402.70
413-09
423-54
434.00
444-45
454-88
465.28
47564
485-59
496.08
506. 1 7
516.11
525-90
535-51
544-92
554-13
563-10
571-81
580.23
588.37
596.17
603.63
288
3'/2%
OCM]
SELECT AND ULTIMATE.
TERMINAL RESERVES.
TWENTY PAYMENT LIFE.
Age.
0.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
—11-34
6.6:
2352
40.48
57-76
75-46
21
—11-43
6.88
24.14
41.49
59.16
77.24
2.2
—11.56
7.15
24.79
42.52
60.57
79-07
^l
—11.68
7-38
25-44
43-57
62.03
80.94
24
-11.85
7.66
26.11
44-65
63-53
82.86
25
—11.98
7.92
26.78
45-75
65.06
84.82
26
— 12.12
8.18
27.48
46.87
66.63
86.84
27
—12.31
8.45
28.18
48.01
68.22
88.88
28
— 12. so
8.70
28.90
49.18
69.86
90-99
29
-12.73
8-93
29.60
50.37
71-51
93-11
30
—12.98
9.17
30-33
51.57
73-21
95-30
31
—13.20
9.41
31.06
52.80
74-93
97-53
32
—13.50
9-63
31-78
54.04
76-67
99-79
33
—13.81
9-84
32-51
55-28
78-44
102.07
34
—14.17
10.06
33-24
56.56
80.25
104.41
35
—14-51
10.24
3398
57-82
82.06
106.77
36
—14.91
10.39
34-70
59.10
83.90
109.14
2.7
-15-36
10.53
35-42
60.41
85-75
111.56
38
-15-87
10.63
36.11
61.69
87.62
113-99
39
—16.39
10.77
36.82
62.99
89.50
116.44
40
—16.95
10.82
37-53
64.29
91-39
118.92
41
—17-59
10.82
38.16
65.55
93-28
121.39
42
—18.25
10.83
38-83
66.85
95.16
123.90
43
— 19.00
10.75
39-42
68.09
97.06
126.36
44
-19-87
10.66
40.01
69.32
98.90
128.83
45
— 20.72
10.51
40.57
70.57
100.81
131.32
46
—21.70
10.28
41.06
71.76
102.63
133.80
47
—22.76
10.01
41-51
72.92
104.48
136.27
48
—23.91
9.69
41-95
74.06
106.28
138.68
49
—25-13
9-24
42.30
75.16
108.05
141.10
50
—26.47
8-75
42.62
76.20
109.79
143-48
51
—27-97
8.14
42.85
77.21
111.51
14583
52
—29-59
7-38
42.99
78.15
113-15
148.14
53
—31-34
6.69
43.08
7903
114-77
150.41
54
—33-22
5.80
43-09
79.85
116.34
1 52.63
55
—35-29
4.68
43-03
80.61
117.84
154.78
56
—37-49
3-64
42.85
81.32
119.31
156.94
57
-39-89
2-35
42.59
81.93
120.71
159.01
58
—42.49
-93
42.22
82.50
122.06
161.05
59
—44.70
0.00
41.73
82.96
123-35
163.02
60
—46.09
0.00
41.13
83-34
124.59
164.98
289
3'/2%
Qim
SELECT AND ULTIMATE.
TERMINAL RESERVES.
TWENTY PAYMENT LIFE.
Age.
6 Years.
7 Years.
8 Years.
9 Years.
10 Years.
20
93-59
112.19
131.27
150.89
171.04
21
95-76
114.78
134-30
154-33
174.91
22
98.01
117-43
^37-37
157-85
178.88
23
100.30
120.14
140.52
161.45
182.94
24
102.65
122.94
143-76
165.14
187.09
25
105.05
125.80
147.08
168.93
191-35
26
107.52
128.73
150.47
172.78
195-69
27
110.04
131.71
153-93
176.73
200.13
28
1 12.61
134-76
157.47
180.75
204.65
29
115.24
137-87
161.06
184.85
209.26
30
117.92
141.04
164-75
189.03
213-94
31
120.63
144.27
168.47
193.28
218.72
32
123.40
147-55
172.28
197.60
223-55
33
126.20
150.87
176.12
201.97
228.46
34
129.07
154-28
180.05
206.42
233-44
35
131.96
157-70
184.01
210.92
238.48
36
134-89
161.18
188.02
215-47
243-57
37
137.86
164.69
192.07
220.06
248.68
38
140.83
168.22
196.16
224.69
253-86
39
143.86
171.79
200.27
229.35
259-05
40
146.90
175-40
204.44
234-03
264.27
41
149.94
179.01
208.58
238.74
269.49
42
15303
182.64
212.77
243-45
274-74
43
156.10
186.28
216.96
248.16
279.96
44
159.16
189.92
221.10
252.85
285.17
45
162.24
193-53
225.29
257-54
290.33
46
^65.30
197.17
229.43
262.19
295.46
47
168.35
200.75
233-55
266.80
300.56
48
171-37
204.34
237-65
271.37
305.57
49
174-37
207.88
241.69
275-90
310.52
50
177.32
211.38
245-69
280.34
315-39
51
180.25
214.85
249.63
284.70
320.14
52
183-15
218.26
253-52
289.02
32479
53
186.01
221.63
257-32
293.22
329.37
54
188.80
224.93
261.07
297-33
33378
55
191-55
228.16
264.74
301.33
338.08
56
194.27
231-37
268.34
305.25
342.25
57
196.91
23452
271.87
309.08
346.29
58
199-51
237-59
275-30
312.81
350.17
202.10
240.59
278.65
316.40
353-91
60
204.61
243-56
281.96
319.92
357-54
290
3'/2%
SELECT AND ULTIMATE.
TERMINAL RESERVES.
TWENTY PAYMENT LIFE.
OEM]
Age. II Years. 12 Years. 13 Years. 14 Years. 15 Years.
20 iyi.S(. 213.45 -^35-84 259.07 283.18
21 196.18 218.23 241.09 264.81 289.41
22 200.60 223.12 246.47 270.68 295.78
21 205.12 228.12 251.96 276.68 302.30
24 209.76 233.24 257.58 282.81 308.97
25 214.49 238.47 263.32 289.08 315.76
26 219.33 243.82 269.18 295.46 322.71
27 224.26 249.26 275.15 301.98 329-76
28 229.30 254.80 281.24 308.60 336.95
29 234.41 260.46 287.41 315.33 34425
30 239.63 266.19 293.70 322.18 351-67
31 244.91 272.03 300.09 329.13 359-20
32 250.29 277.94 306.56 336.17 366.81
33 255.74 283.93 313-11 343-27 374-52
34 261.25 290.00 319-72 350.48 382.30
35 266.83 296.12 326.41 357-73 390.15
36 272.45 302.30 333.14 365-04 398.05
yj 278.12 308.51 339.92 372.39 406.00
38 283.82 314.76 346.73 379.78 413.97
39 289.55 321.04 353.57 387-17 421.97
40 295.31 327.34 360.40 394.59 429.95
41 301.07 333-62 36725 401.96 437.90
42 306.82 339.9^ 374.05 409.32 44585
43 312.56 346.14 380.80 416.64 453.71
44 318.25 352.34 387.54 423-88 461.50
45 323.90 358.51 394-18 431-05 469-22
46 329.52 364.58 400.74 438.11 476.80
47 335.06 370.58 407.22 445.05 48424
48 340.51 376.48 413.54 451.84 49T.58
49 345.88 382.25 419-73 458.52 498.68
50 351.13 38789 425-81 464.96 50560
51 356.25 393.41 431-67 471-22 512.28
52 361.29 398.74 437.34 477-26 518.73
r^ 366.M 403.90 442.80 483.06 52488
54 370.83 408.86 448.05 488.58 530.76
55 375-37 4i3-64 453-05 493-83 536.31
56 379.75 418.20 457.80 498.80 54T.54
57 383.94 422.54 462.28 503.45 546.44
58 387.96 426.65 466.49 507.80 55093
i^Q 391.78 430.54 470.45 511-79 555-03
60 395-45 434-22 474- 10 515-43 558-77
291
y/2%
0[M]
Age.
16 Years.
20
308.18
21
314-92
22
321-83 •
23
328.88
24
336.08
25
343-44
26
350-93
27
358.56
28
3^»6.33
29
374-22
30
3^2.2^
31
390.34
32
398.57
33
406.87
34
415-27
35
423.73
36
432-25
37
440.80
38
449.40
39
457-99
40
466.58
41
475-16
42
483.69
43
492.16
44
500.55
45
508.83
46
516.97
47
525-02
48
532.85
49
540.50
50
547-92
51
555-11
52
562.01
53
568.62
54
574-91
55
580.87
56
586.48
57
59^-67
58
596.44
59
600.80
60
604.69
SELECT AND ULTIMATE.
TERMINAL RESERVES.
TWENTY PAYMENT LIFE.
17 Years.
18 Years..
19 Years.
20 Years.
334-12
361.05
388.99
418.00
341-40
368.87
397-38
426.99
348.84
376.86
405-97
436.16
356.44
385-05
414.72
445-54
364-22
393-39
423-67
455-11
372-13
401.90
432.79
464.87
380.21
410.58
442.09
474.82
388.43
419.41
451-56
484.93
396.79
428.39
461.17
495-23
405.29
437-50
470-95
505.68
413.90
446.76
480.86
516.29
422.64
456.13
490.91
527-05
431-48
465-63
50 1 .08
537-95
440.42
475-22
511-38
548.96
449-45
484.92
521.76
560.11
458.55
494-68
532-25
571-33
467.70
504-53
542-79
582.64
476.92
514-39
553-38
594-05
486.14
524.30
564-05
605.49
495-37
534-25
574-72
616.99
504-63
544.17
585-41
628.52
513-83
554-09
596.10
640.04
523-01
563.97
606.74
651-55
532-13
573.78
617.32
663.09
541.14
583-49
627.90
674-53
550-05
593.16
638.32
685.93
558.88
602.65
648.66
697.24
567-50
612.01
658.85
708.47
575-96
621.18
668.91
719.56
584.21
630.17
678.76
730-53
592.25
638.92
688.42
741.34
600.01
647.42
697.85
751-99
607.50
655-64
707-04
762.48
614.67
663.56
715-98
772.73
621.52
671.18
724-58
782.76
628.03
678.40
732.86
792.59
634.12
685.23
740.83
802.14
639.79
691.69
748.40
811.43
645.06
697.67
755-56
820.48
649.82
703.18
762.34
829.22
654.10
708.23
768.65
837.70
292
3'/2%
QIMJ
SELECT AND ULTIMATE.
TERMINAL RESERVES.
FIFTEEN PAYMENT LIFE.
Age.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
—11.15
11-33
32.97
54-84
77-24
100.27
21
—11.23
11.68
33-75
56.09
78.98
102.48
22
—11.36
12.04
34-57
57-39
80.74
104.76
23
—11.47
12.37
35-39
58.70
82.56
107.09
24
— 11.64
12.73
36.23
60.04
84-43
109.48
25
—11.76
13.09
37.10
61.43
86.35
111.94
26
—11.89
13-45
37-99
62.85
88.30
114.44
27
—12.08
13.80
38.88
64.28
90.29
117.00
28
—12.25
14.16
39.80
65.76
92-35
119.64
29
—12.48
14.50
40.71
67.25
94.42
122.31
30
—12.71
14-85
41.64
68.77
96.54
125.04
31
—12.93
15.21
42.59
70.32
98.71
127.83
32
—13.21
15-53
43-54
71.89
100.89
130.66
33
—13-52
15-85
44.48
73-48
103.12
133-53
34
-13.86
16.18
45-45
75-09
105.38
136.46
^1
—14.19
16.48
46.42
76.71
107.68
139-42
36
—14-55
16.77
47-37
78.34
109.99
142.41
^J
-14.98
17.04
48.34
80.01
112.33
145-47
38
-15-47
17.28
49.29
81.66
114.70
148.52
39
-15.98
17-54
50.21
83-30
117.06
151-59
40
—16.53
17.69
51-14
84-95
119.44
154-70
41
—17.14
17.84
52.03
86.58
121.80
157.81
42
—17.76
17:98
52.94
88.24
124.19
160.94
43
—18.48
18.05
53-78
89-85
126.55
164.03
44
—19.32
18.07
54.60
91-43
128.91
167.13
45
—20.12
18.07
55-39
93-02
131.27
170.20
46
— 21.06
17-95
56.11
94-54
133-54
173-25
47
—22.08
17.82
56.80
96.03
135-80
176.30
48
—23.20
17.60
57-42
97-47
138.02
179.26
49
—24-38
17.27
57-99
98.84
140.18
182.17
50
-25.66
16.91
58.48
100.16
142.30
185.03
51
—27.09
16.41
58.88
101.40
144-32
187.82
52
—28.64
15-85
59-19
102.56
146.26
190.51
53
—30-34
15.11
59-41
103.61
148.11
193.10
54
—32.14
14-33
59-51
104.56
149-87
195-57
55
—3412
13-38
59-52
105-43
151-50
197.92
56
—36.25
12.30
59-38
106.17
153-02
200.15
57
-38.58
11.06
59.10
106.76
154.40
202.22
58
—41.12
9.64
58.70
107.22
155-63
204.13
59
—43-87
8.07
58.12
107.54
156.71
205.89
60
—46.80
6.28
57-37
107.66
157.60
207.45
3'/2«
10
Oim
SELECT AND ULTIMATE.
TERMINAL RESERVES.
FIFTEEN PAYMENT LIFE.
293
Age.
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
6 Years.
123-97
126.67
129.47
132.32
135-25
138.25
141-33
144.48
147.70
150.99
154-35
157-75
161.24
164.76
168.34
172.00 .
175.68
179.40
183.18
186.97
190.80
194.62
198.50
202.35
206.18
210.01
213.80
217.56
221.27
224.92
228.49
231.98
23.5-39
238.67
241.83
244.86
247-73
250.42
252.94
255-32
257-42
7 Years.
148.37
151-59
154.90
158.29
161.78
165-36
169.01
172.75
176.59
180.49
184.47
188.54
192.65
196.85
201.14
205.46
209.86
214.30
218.77
223.28
227.82
232.39
236.99
241-57
246.15
250.71
255.25
259.72
264.16
268.52
272.82
277.01
281.09
285.03
288.84
292.48
295.96
299.26
302.32
305-17
307.78
8 Years.
9 Years.
10 Years.
173-52
199.46
226.24
177-28
203.75
231.09
181. 12
208.16
236.07
185.07
212.68
241.17
189.12
217.32
2^(1.41
193.29
222.09
251.78
197.54
226.94
^S7-^7
201.89
231.90
262.88
206.34
236.99
268.62
210.85
242.16
274-47
215-51
247-46
280.43
220.22
252.87
286.53
225.02
258.34
292.70
229.89
263.92
299.00
234-85
269.58
305-38
239.89
275-33
311.86
244.98
281.14
318.42
250.14
287.02
325-04
255-34
292.96
331-74
260.58
298.95
338.48
265-87
304-97
345-27
271.16
311-03
352.09
276.49
317.11
358.94
281.81
323-18
365.78
287.12
329-25
372.62
292.44
335-30
379.42
297.69
341-29
386.17
302.91
347-25
392.90
308.06
353-13
399-51
313-14
358-93
406.03
318.12
364.61
412.46
323.00
370.15
418.71
2>^7-l':>
375-58
424.80
332.33
380.82
430.75
336.77
385-89
436.45
341.03
390.72
441.92
345-08
395-35
447.14
348.91
399-73
452-07
352-50
403.84
456.68
355-83
407.63
460.99
358.88
411. 10
464.91
294
3'/2%
SELECT AND ULTIMATE.
TERMINAL RESERVES.
FIFTEEN PAYMENT LIFE.
Of^J
Age. II Years. 12 Years. 13 Years. 14 Years. 15 Years.
20 253.96 282.77 312.71 343.83 376.18
21 259.39 288.80 319.36 351.12 384.13
22 264.97 294.98 326.18 358.59 392.29
23 270.68 301.33 333.17 366.26 400.66
24 276.54 307.83 340.33 374.12 409.23
25 282.54 31448 347-67 382.16 418.00
26 288.67 321.29 35518 390.38 426.99
27 294.95 328.25 362.84 398.80 436.16
28 301.37 335.36 370.69 407.38 445.54
29 307-89 342.62 378.67 416.15 455.11
30 314-58 350.01 386.82 425.08 464.87
31 321.37 357-55 395.13 434.19 474.82
32 328.27 365.21 403.57 443-46 484.93
33 335-30 373-00 412.16 452-86 495.23
34 342.44 380.91 420.87 462.44 505.68
35 349-67 388.91 429-71 472-13 516.29
36 356.98 397.04 438.66 481.96 527.05
Z7 364-39 40524 447-71 491-90 537-95
38 371.86 413.53 456.85 501.96 548.96
39 379-39 421.89 466.08 512.09 560.11
40 386.97 430.30 475.37 522.34 571.33
41 394.59 438.75 484.72 532.62 582.64
42 402.23 447-24 494-09 542.95 59405
43 409.88 455.72 503.47 553.34 605.49
44 417.51 464.20 512.89 563.72 616.99
45 425-11 472-67 522.26 574.13 628.52
46 432.68 481.08 531-61 584.51 640.04
47 440.17 489.44 540.91 594.84 651.55
48 447.58 497.71 550.11 605.10 663.09
49 454.89 505.86 559.21 615.34 674.53
50 462.07 513.88 568.24 625.42 685.93
51 469.08 521.79 577.07 635.40 697.24
52 475-97 529-47 585-75 645.21 708.47
53 482.61 536.96 594.21 654.88 719.56
54 489.03 544-21 602.46 664.32 730.53
55 495-20 551-21 610.44 673.55 741.34
56 501.10 557.90 618.15 682.53 751-99
57 506.67 564.28 625.53 691.25 762.48
58 511.90 570.30 632.59 699.69 772.73
59 516.79 575-95 639.29 yo-j.-j-j 782.76
60 521.27 581.21 645.55 71549 792.59
295
3'/2%
SELECT AND ULTIMATE.
TERMINAL RESERVES.
TEN PAYMENT LIFE.
QLM}
Age.
0.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
10.87
21.01
52.33
84.28
II 7. 19
151-18
21
10.84
21.54
53-46
8f).o8
119.66
154-31
22
10.95
22.08
54-64
87.92
122.16
157-54
-23
1 1 .05
22.59
55-84
89.80
124.76
160.8s
24
1 1.20
23.16
57-07
91-73
127.42
164.26
25
11.31
23-71
58.33
93-72
130.13
167-75
26
n-43
24.28
59-64
95-74
132.94
171-33
27
11-59
24-85
60.95.
97-83
135-80
175.01
28
11-75
25-43
62.30
99.96
138.75
178.78
29
11-95
26.01
63.66
102.13
141.75
182.63
30
12.16
26.59
65.06
104.36
144-83
186.57
31
12.35
27.20
66.48
106.62
147-97
190.60
32
12.61
27.78
67.92
T 08.93
151-15
194.72
33
12.89
28.35
69-37
I I 1.28
154-41
198.90
34
13.20
28.96
70.85
113.67
157-72
203.18
^^.
13-49
29-54
72.35
IT 6.09
161. II
207.53
36
13-84
30.11
73-85
"8.53
T 64-53
211.94
^?
14.22
30.65
75-35
121.03
167.98
216.43
38
14.66
31.18
76.87
123.52
171.50
220.98
39
15.12
31-75
78.37
126.05
175-07
225-57
40
15.60
32.25
79.91
128.60
178.66
230.24
41
16.15
32.71
81.42
131.15
182.26
234.93
42
16.73
33-16
82.95
133-72
185.90
239.66
43
17.36
33-58
84.40
136.27
189-55
244.41
44
18.T2
33-96
8 s. 88
138.81
193.18
249.17
45
18.86
34-29
8>.29
141.36
196.85
253-96
46
19.69
34-. S9
88.70
143-86
200.47
258.72
47
20.61
34-82
90.05
146.35
204.08
263.50
48
21.62
34-98
91.36
148.78
207.66
268.22
49
22.66
35-06
92.60
i5'-i7
211.18
272.91 •
50
23.82
35-07
93-77
153-49
214.65
277-53
51
25.10
35-01
<H.88
T 55-74
218.05
282.10
.S2
26.50
34-82
95-86
157-89
221.35
286.56
53
28.02
34-55
96.77
159-95
224.55
290.94
54
29.64
34- T 4
97-56
161.88
227.65
295.17
55
31-41
3363
98.24
163.72
230.59
299.25
5'^>
33-32
32.97
98.77
165.40
233-41
303.2 T
57
35-40
32. T 5
99-13
166.89
236.03
306.94
58
37.66
31.16
99.36
168.24
238.46
310.47
59
40.15
30.00
99-36
1 6f}. 38
240.66
31^.76
60
42.76
28.66
90.2 T
170.31
242.67
316.84
61
45-63
27. TO
98.82
171.02
244-41
319.60
62
48.71
25-3 T
98.2 T
171.48
245.89
322.08
63
52. IT
23-25
97-30
171.65
247.02
324.20
64
55-72
20.97
96.17
17^-53
247.86
325-93
3273^
65
59-63
18.^6
94-75
171.08
248.33
296
3'/2%
OCM]
SELECT AND ULTIMATE.
TERMINAL RESERVES.
TEN PAYMENT LIFE.
Age.
6 Years.
7 Years.
8 Years.
9 Years.
10 Years.
20
186.29
222.61
260.19
299.13
339-49
21
190.13
227.18
265.54
305-25
346.42
22
194.09
231.88
271.01
311-54
353-55
23
198.14
236.72
276.65
318.01
360.89
24
202.32
241.68
282.44
324.66
368.43
25
206.60
246.80
288.40
331-50
376.18
26
211.01
252.03
294-51
338.51
384-13
27
215-52
257.41
300.77
345-70
392.29
28
220.14
262.92
307'.2i
353-08
400.66
29
224.87
268.56
zn-77
360.63
409.23
30
229.72
274.33
320.51
368.37
418.00
31
234.66
280.23
327-39
376.28
426.99
32
239-72
286.25
334-44
384-36
436.16
33
244.87
292.39
341.61
392.60
445-54
34
250.12
298.67
348.93
401.03
455-11
35
255-47
305.06
356.39
409.61
464.87
36
260.91
311-56
363.99
418.36
474.82
Z7
266.43
318.16
371-71
427.24
48493
38
272.04
324.86
379-55
436.27
495-23
39
277.73
33^-65
387-50
445-45
505.68
40
283-47
338-53
395-57
454-75
516.29
41
289.27
345-48
403.71
464.17
527-05
42
295-15
352.51
411.96
473-69
537-95
43
301.04
359.58
420.27
483-31
548.96
44
306.94
366.70
428.63
493-02
560.11
45
312.90
373-86
437-07
502.79
571.33
46
318-85
381.03
445-52
512.62
582.64
47
324.78
388.19
454.00
522.50
594-05
48
330.70
39536
462.47
532.39
605.49
49
33^^-59
402.49
470.94
542.31
6 1 6.99
50
342.40
409-57
479.35
552.19
628.52
51
348.16
416.60
487.74
562.04
640.04
52
353-83
^2},.$},
496.04
571-86
651-55
53
359-41
430.36
504.24
581.61
663.09
54
3^^4-83
437-06
5 • 2.33
591-25
674-53
55
370.11
443-59
520.27
600.77
685.93
56
375.23
449-97
528.05
610.18
69724
57
380.12
45'''. ' 5
53564
6i().4i
708.47
58
384-79
462.07
542.<>9
628.47
719.56
59
38<;.25
4'''7.74
55<5.o9
637.29
730-53
60
393-41
473-13
556.92
645.88
741-34
61
397.26
478.21
563-43
654-20
751-99
62
400.80
482.95
56<).62
662.22
762.48
63
403.96
487.26
575-40
669.89
772.7?>
64
406.72
491.19
580.78
677.25
782.76
65
4(x;.()i
494.64
^^S-7}.
684.19
792.59
297
y/2%
0[M]
SELECT AND ULTIMATE.
TERMINAL RESERVES.
TWENTY YEAR ENDOWMENT.
Age.
I Year.
2 Years.
20
—10.58
26.15
62.61
21
—10.68
26.09
62.55
22
—10.80
26.00
62.50
23
—10.94
25-89
62.46
24
— 11.09
25.80
62.37
25
— 11.23
25-68
62.29
26
— "•39
25-57
62.22
27
—11-59
25.46
62.11
28
—11.78
25-32
62.05
29
—11.99
25.12
61.90
30
— 12.24
24.97
61.83
31
— 12.^0
24.76
61.68
32
—12.80
24.56
61.53
33
—13.07
24-34
61.38
34
—13-44
24-13
61.21
35
—13.82
23-86
61.01
36
—14.20
23-55
60.82
37
—14.65
23.24
60.62
38
—15.16
22.88
60.34
39
—15-65
22.49
60.15
40
— 16.24
22.13
• 59-89
41
—16.88
21.64
59-56
42
—17-54
21.19
59.26
43
—18.30
20.62
58.89
44
—19.16
20.06
58.48
45
—20.02
19.43
58.07
46
— 21.02
18.73
57-6 1
47
—22.08
17.96
57-09
48
—23.21
17.21
56.59
49
—24.46
16.26
55-98
50
-25-83
15-31
55-40
51
—27-33
14.24
54-70
52
—28.94
12.99
53-94
53
—30.71
11.92
53-15
54
— 32.61
10.65
52-32
55
-34.68
9.03
51-45
56
—36.95
7.66
50.47
57
-39-35
5-99
49.46
58
—41.99
4.18
48.37
59
—44.84
2.23
47.18
60
—47.90
.18
45-95
3 Years. 4 Years. 5 Years.
99.94 138.43 178.25
99.92 138.41 178.25
99.88 138.41 178.23
99.82 138.37 178.21
99.80 138.35 178.17
99.74 138.31 178.15
99.69 138.29 178.17
99.61 138.23 178.14
99-57 138.21 178.10
99-51 138.15 178.04
99.42 138.13 178.04
99.34 138.05 178.00
99.24 137.99 177-97
99-13 137-93 177-89
99-05 137-92 177-89
98.91 137.80 177.85
98.78 137.74 177-78
98.66 137.68 177.74
98.51 137-58 177-68
98.37 137-46 177-62
98.20 137.38 177-57
97-99 137-30 1 77-5 T
97.81 137.14 177-49
97-58 137.06 177.38
97.31 136.84 177.28
97.08 136.76 177.21
96.81 136.60 177.19
96.48 136.48 177-09
96.20 136.31 177.02
95-85 136.15 176.96
95.48 13595 176.92
95.10 135.81 176.87
94.68 135.61 176.85
94.23 135.41 176.83
93-79 13525 176.83
93.29 135-05 f7('-^3
92.79 134.85 17O.89
92.26 134-73 177.00
91.72 134.57 177.11
91 13 134.47 177-32
90.55 134-37 177-57
298
f\\/g^^ SELECT AND ULTIMATE.
1 />^?n TERMINAL RESERVES.
U ^ /yJ TWENTY YEAR ENDOWMENT.
0[M]
Age.
6 Years.
7 Years.
8 Years.
9 Years.
10 Years.
20
21943
262.10
306.30
352-16
399-71
21
21943
262.10
306.29
352.11
399.67
22
219.42
262.06
306.27
352.08
399.61
23
219.40
262.04
306.2 1
352.04
399-56
24
219.38
2r)2.04
306.17
351-99
399-48
25
219.36
2r) 1. 98
306.14
351-93
399-41
26
219.36
262.01
306.14
351-87
399-32
27
219-33
261.94
306.08
351.81
399-24
^8
219.31
261.93
306.05
351-74
399-13
29
219.29
261.87
306.00
351-66
399-03
30
219.27
261.86
305-95
351.59
398.92
31
219.24
261.81
305.86
351-48
398.78
32
219.18
261.77
305-81
35141
398.65
33
219.15
261.72
305-73
351-31
398.49
34
219.15
261.70
305-71
351-20
398.36
35
219.07
26 1 .64
305.62
351-08
388.19
36
219.04
261.60
305-52
350.96
397.98
H.
219.02
261.55
305-44
350.83
-i^l-n
38
218.95
261.47
305-36
350.69
397-57
39
218.89
261.40
305-25
350.51
397-33
40
218.86
261.38
305-18
350.35
397.09
41
218.82
261.33
305.06
350.17
396.82
42
218.77
261.25
304-94
349-99
396.54
43
218.73
261.19
304.86
349-81
396.23
44
218.68
261.13
304.67
349-57
395-88
45
218.64
261.01
304-58
349-36 .
395-52
46
218.61
261.01
304-45
349-14
395-17
47
218.59
260.92
304-32
348.88
394-77
48
218.55
260.91
304.22
348.66
394-38
49
218.52
260.8 s
304.08
348.40
393-95
50
218.50
260.82
303-98
348.15
393-49
51
218.52
260.80
30389
347-89
393-04
52
218.55
260.82
303-81
347.68
392.58
53
218.61
260.85
303-74
347-43
392.09
54
218.70
260.94
y^2>-7}^
347-23
391.64
55
218.80
261.04
303-74
347-03
391.16
56
218.95
26r.2[
303-79
346.87
3')o.73
57
219.18
261.43
303.90
346.79
3V)o.3i
58
219.47
261.74
304.11
346.76
389.93
59
219.83
262.10
304-35
346.78
380.59
60
220.26
262.61
304-75
346.91
T.^'^y:^
299
3'/2%
SELECT AND ULTIMATE.
TERMINAL RESERVES.
TWENTY YEAR ENDOWMENT
0[^^]
Age II Years. 12 Years. 13 Years 14 Years. 15 Years.
JO 449.20 50072 ' 554-37 610.J9 668.57
21 44914 500.63 554-7 610.17 668.43
22 44905 500.53 554- '6 610.04 668.30
23 448.(/) 500.43 55404 609.90 668.13
24 448.88 500.31 553«'^9 609.73 667.97
25 448.76 500.18 55373 609.56 667.78
26 448.67 500.05 553.58 609.38 667.59
27 448.53 499-90 553-40 609.17 667.36
28 448-42 499-72 553-19 608.95 667.12
29 448.27 499-54 552.98 608.70 666.84
30 448.11 499-35 552-75 608.44 666.57
31 447.94 499-14 552-49 608.15 666.24
32 447.74 498.89 552-21 607.82 665.90
33 447.55 498-64 55T-91 607.48 665.52
34 447.35 498.37 551-59 607.11 665.13
35 447- 10 498.07 55 1 -22 606.09 664.67
36 446-85 497-75 550.84 606.25 664.19
37 446.56 497-40 550-41 605.74 663.65
38 446.28 497.02 549-95 605.23 663.09
39 445.95 496-59 549-44 604.66 662.44
40 445.60 496.15 548.91 604.03 661.76
41 445.23 495.69 548.32 603.35 661.02
42 444.84 495-15 547-69 602.63 660.21
4:5 444-39 494-58 546-99 601.82 659.33
44 443.92 493.97 546.24 600.95 658.36
45 443.42 493-31 545-43 6oo.ot 657.33
46 442.89 492.62 544-57 598.99 656.21
47 442.33 491-86 543-64 597-90 654.99
48 441-72 491-07 542-65 596.74 653.68
49 441.08 490.21 541-57 595-45 652.26
50 440.41 489-31 540.4^ 59409 650.71
51 439.71 488.32 539.20 592.62 649.06
52 438.98 487-33 537-89 591-07 647-28
53 438.22 486.24 536.51 589.38 645.37
54 437-43 485-14 53506 587-61 643.33
55 436.63 483-96 533-52 585.71 . 641.14
56 43582 482.76 531.90 583-72 638.80
57 435.02 481.53 530.24 581.61 636.32
58 434-23 480.28 528.49 579.39 633.69
59 433-45 479-00 526.69 577-08 630.90
60 AZ^-7Z ^77-7^ 524-86 574-68 627.99
300
3'/2%
SELECT AND ULTIMATE.
TERMINAL RESERVES.
TWENTY YEAR ENDOWMENT.
0[W]
Age.
16 Years.
17 Years.
18 Years..
19 Years.
20 Years.
20
729.32
792-70
858.83
927.87
1000.00
21
729.19
792.57
l^ll'^
927.81
1000.00
22
729.04
792.44
858.61
927.74
1000.00
23
728.89
792.29
8';8.49
Q27.66
1000.00
24
728.71
792.12
858.35
927.58
1000.00
^5
728.52
791.94
858.20
927.49
1000.00
26
728.32
791-75
858.05
927.39
1000.00
27
728.09
791-54
857-87
927.28
1000.00
28
727-84
791-31
857-67
927.16
1000.00
29
727-57
791.04
857.46
927.03
1000.00
30
727.28
790.77
857-23
926.89
1000.00
3^
726.96
790.46
856.98
926.73
1000.00
32
726.60
790.13
856.70
926.56
1000.00
33
726.21
789.76
856.39-
926.37
1000.00
34
725.80
789-37
856.06
926.16
1000.00
35
725-34
788.93
855-70
925-94
1000.00
36
724-84
788.46
855-30
925.69
1000.00
Z7
724-29
787-93
854-87
925.42
1000.00
38
723.69
- 1^7-?.7
854-39
925-13
1000.00
39
723-05
786.75
853-87
924.80
1000.00
40
722.35
786.08
853-31
924-45
1000.00
41
721.57
785-34
852.69
924.06
1000.00
42
720.74
784-54
852.01
923-64
1000.00
43
719.82
783-66
851.27
923.18
1000.00
44
718.82
782.70
850.46
922.67
1000.00
45
717-74
781.66
849.57
922.11
1000.00
46
716.57
780.52
848.62
921.51
1000.00
47
715-29
779-29
847-57
920.84
1000.00
48
713-92
777-95
846.42
920.11
1000.00
49
712.41
776.48
845-17
919.32
IQOO.OO
50
710.79
774-89
843-80
918.44
1000.00
51
709.02
773.16
842.31
917.49
1000.00
52
707.13
771.29
840.69
916.44
1000.00
53
705-06
769.26
838.92
915-29
1000.00
54
702.87
767.06
836.99
914-04
1000.00
55
■ 700.48
764.67
834-90
912.67
1000.00
56
697.93
762.10
832.61
911.17
1000.00
57
695.20
759-33
830.14
009.53
1000.00
58
692.28
756.35
827.46
907.73
1000.00
59
689.16
753-^3
824.55
905-77
1000.00
60
. 685.86
749-69
821.40
903.63
1000.00
301
3'/2%
SELECT AND ULTIMATE.
TERMINAL RESERVES.
FIFTEEN YEAR ENDOWMENT.
OtM]
Age.
I Year.
20
— 9-93
42.98
21
— 10.00
42.89
21
— 10.12
42.81
-\^
— 10.24
42.70
-'4
— 10.39
42.59
-5
— 10.50
42.48
26
— 10.67
42.36
-7
— 10.85
42.19
1"^
— 1 1 .03
42.06
2i)
— 11.22
41.88
30
—11-45
41.68
31
— 11-73
41.50
32
—11.98
41.24
?,?>
—12.27
41.00
34
— 12.60
40.75
35
—12.91
40.44
36
—13.28
40.16
37
—13.70
39-83
38
—14.14
39-47
39
—14.67
39-03
40
—15.22
38-56
4T
— 15.81
38.08
4-2
— 16.41
37-59
43
— 17-13
36.99
44
—17-95
36.35
45
—18.72
35-68
46
—19.67
34.88
47
— 20.65
34-o6
48
—21.78
33-19
49
—22.95
32.15
50
—24.23
31.12
51
—25-65
29.94
52
—27.19
28.73
53
—28.89
27.28
54
—30.69
25-89
55
—32-65
24.27
56-
—34-83
22.52
S7
—37-14
20.65
58
—39-70
18.57
59
—42.44
16.40
60
—45-42
13-99
2 Years.
3 Years.
4 Years.
5 Years.
96.27
151.11
207.85
266.67
96.18
' 5 ' 03
207.79
266.62
96.12
150.98
207.74
266.55
96.02
150.88
207.63
266.45
95-89
150.78
207-55
266.35
95.81
150.70
207.48
266.28
95-73
150.62
207.39
266.16
95-56
1 50.45
207.24
266.04
9546
150-39
207.13
265.94
95-29
150-23
207.01
265-79
95-16
150.10
206.86
265.64
94-98
149.92
206.71
265.49
94-77
149-74
206.51
265.27
94.66
149-55
206.33
265.08
94-35
149-35
206. 1 3
264.88
94.08
149.12
205.91
264.66
93.81
148.86
205.67
264.40
93-56
148.63
205-45
264.17
93.22
148.35
205.18
263.88
92.87
148.00
204.81
263.52
92.45
147-63
204.48
263.17
92.05
147-25
204.08
262.79
91-59
146.86
203.69
262.40
91. II
146.41
203.25
261.93
90.53
145-88
202.79
261.43
89.96
145-37
202.28
260.85
89.29
144.80
20 1 .69
260.28
88.62
144-13
201.07
259.64
87.82
143-48
200.4 1
258.96
87.00
142.69
199-69
258.19
86.10
141.90
198.91
257-41
85.11
141.01
198.06
256.54
84-05
140.06
197.16
255.61
82.89
139.01
196.16
254.58
81.65
137-92
195.12
253-50
80.31
136.72
193.97
252.33
78.83
■ 135-43
192.71
251.05
77.26
134-06
•91.44
249.73
75-58
132-54
190.01
248.27
73-75
130.98
188.55
246.80
71.78
129.24
186.91
245.13
302
3'/2%
SELECT AND ULTIMATE.
TERMINAL RESERVES.
FIFTEEN YEAR ENDOWMENT.
Age.
6 Years.
7 Years.
8 Years.
9 Years.
10 Years.
20
32770
391.04
456.85
525-26
596.40
21
327.61
390.95
456.74
525.12
596.30
22
327-55
390.86
456.65
525.03
596.19
33
327.46
390.77
456.52
524.93
596.06
24
32733
390.67
456.4 1
524.80
595.91
25
32724
390-53
456.29
524.66
595.78
26
327-15
390.42
456.16
524-50
595.61
27
326.99
390-25
456.01
524.31
595.42
28
326.88
390.15
455.85
524.15
595-23
29
326.73
389-97
455.64
523-92
595-01
30
326.59
389-79
455.47
523-71
594.79
31
326.39
389.61
455.25
523-50
594.54
32
326.20
389-34
455-00
523.20
594.24
33
325-98
389-13
454.72
522.95
593.94
34
32575
388.89
454.44
522.64
593.61
35
325-52
388.62
454.15
522.28
593.24
36
325-24
388.33
45380
521.92
592.85
37
324-93
388.02
453-45
521.51
592.42
38
324-65
387-65
453-05
521.08
591-95
39
324-24
387.21
452.61
520.60
591-44
40
32389
386.77
452.13
520.06
590.86
41
323-45
386.34
451.60
519.48
590.25
42
323-00
385-86
451.04
518.87
589-59
43
322.55
385-29
450.43
518.19
588.86
44
321.98
384.68
449-75
517.43
588.04
45
321.41
384.03
449-03
516.63
587.18
46
320.77
383.32
448.21
515.74
586.22
47
320.06
382.54
447-34
514.78
585.19
48
319-31
381.71
446.41
513.75
584-07
49
318.49
380.79
445-37
512.59
582.82
50
317.61
379.82
444.27
511.37
581.51
51
316.67
378.74
443.08
510.03
580.06
52
315-66
377.61
441-79
508.59
578.49
53
314-54
376.35
440.37
507.00
576.77
54
313-37
375.04
438.87
505-34
574.94
55
312.12
373.62
437.26
503-50
572.92
56
310.71
372.06
435.49
501.51
570.74
57
309.27
370.42
433.60
499.40
568.39
58
307.71
368.65
431.61
496.99
565.85
306.08
366.77
429.44
494.65
563-13
60
304.29
364-77
427.12
491-98
560.20
303
3'4%
SELECT AND ULTIMATE.
TERMINAL RESERVES.
FIFTEEN YEAR ENDOWMENT.
OtM]
Age
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
II Years.
670.52
670.41
670.30
670.16
670.03
669.87
669.71
669.52
669.34
669.11
668.88
668.62
668.32
668.01
667.69
667.30
666.92
666.47
666.00
665.47
664.88
664.25
663.58
662.82
662.01
661.12
660.14
659.08
657.92
656.65
655-29
65378
652.15
650.38
648.46
646.37
644.08
641.62
638.93
636.06
632.92
12 Years.
747-77
747.67
747-56
747-44
747-31
747.17
747.01
746.84
746.66
746.45
746.24
745-99
745-72
745-43
745-11
744-76
744-39
743-98
743-52
743.02
742.47
741.89
741-23
740.52
739-75
738.90
737-98
736.97
735-86
734.66
733-34
731.90
730-35
728.63
726.78
724-75
722.54
720.14
717-52
714.69
711-59
13 Years.
828.32
828.24
828.15
828.05
827.94
827.82
827.70
827-55
827.40
827.23
827.05
826.85
826.63
826.38
826.12
825.83
825.53
825.18
824.80
824.39
823.94
823.44
822.91
822.32
821.66
820.96
820.18
819-34
818.41
817.40
816.29
815.08
813-77
812.31
810.74
809.01
807.11
-805.06
802.80
800.34
797-65
14 Years.
15 Years.
912.34
1000.00
912.29
1000.00
912.23
1000.00
912.17
1000.00
912.10
1000.00
912.03
1000.00
911.96
1000.00
911.87
1000.00
911.77
1000.00
911.67
1000.00
911.56
1000.00
911-43
1000.00
911.30
1000.00
911. 15
1000.00
910.99
1000.00
910.81
1000.00
910.62
1000.00
910.41
1000.00
910.17
1000.00
909.92
1000.00
909.64
1000.00
90933
1000.00
909.00
1000.00
908.63
1000.00
908.23
1000.00
907.79
1000.00
907.31
1000.00
906.78
1000.00
906.21
1000.00
905-57
1000.00
904.88
1000.00
904.12
1000.00
903.29
1000.00
902.37
1000.00
901.37
1000.00
900.28
1 000.00
899.07
1000.00
897.75
1000.00
896.30
1000.00
894.71
1000.00
892.97
1000.00
304
3'/2%
OCM]
Age. o.
20 —8.57
21 -8.63
22 — 8.72
23 —8.82
24 —8.95
25 -^9.06
26 —9.19
28 —9.48
29 —9-63
30 —9.86
, 31 —10.03
32 — 10.27
33 —10.54
34 —10.79
35 — 11.08
36 — 1 1. 41
37 —11-75
38 — 12.13
39 —12.55
40 — 12.99
41 -13-50
42 —14.09
43 —14-^^0
44 —15-33
45 —16.03
46 —16.80
47 —17-63
48 —18.58
49 — 19-5<'^
50 — 20.68
5 1 — 2 1 .89
52 — 23.20
53 — 24.66
54 —26.19
55 —27.89
56 —29.79
57 —31-79
58 —3400
59 — 3^>-42
60 — 39.03
61 — 41.83
62 — 44-90
63 —48.26
64 —5 1 .87
65 —55-82
SELECT AND ULTIMATE.
TERMINAL RESERVES.
TEN YEAR ENDOWMENT.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
77-47
165.26
256.06
350.24
448.10
77-41
165.19
256.00
350.18
448.02
77-Z^
165-13
255-92
350.11
447.96
77-19
165-03
255-82
350.02
447-83
77.11
164.92
255-73
34992
447.74
77.00
164.80
255-61
349.77
447-63
76.88
164.72
255-49
349.66
447-50
76-75
164-57
255-35
349-53
447-39
76.62
164.44
255-23
349-39
447-24
76-45
164.28
255-06
349-24
447.07
76.28
164.15
254.91
349,-08
446.88
76.11
163.94
254-70
348.90
446.69
75.88
163-74
254-51
348.66
446.48
75-64
163.53
254-29
348.45
446.22
75-43
163.30
254-07
348.19
445-97
75-15
163.01
253.79
347-94
445.71
74.88
162.74
253-48
347-65
445-40
74-51
162.41
253-17
347-29
445-07
74-17
162.07
252.85
346.94
444-7 T
73-75
161.68
252.45
346.55
444.31
73-40
161.27
252.04
346.15
443-88
72.91
160.87
251.62
345-68
443.40
72.38
160.40
251.14
345-^7
442.89
71-85
159-84
250.61
344.64
442.34
71.27
1 59.26
249.98
344.01
441.70
70.58
158.59
249.36
343.36
441.02
69.92
157-95
248.67
342.66
440.28
69. T 3
T57-to
247.89
34T.87
439.47
68.27
156.35
247.08
341.01
438.59
67-33
155-44
246.18
340.08
437.62
66.29
154-47
245.19
'330.05
436.57
65.22
153-42
244.11
337.95
435-43
63-99
152-23
242.()2
^?,^^-7?>
434.16
62.68
1 50.96
241.63
335-40
4^2.?.2
61.25
149-57
240.25
^^?>-^l^
431-32
59-71
148.08
238.75
33241
429.69
58.00
146.43
237.10
33'^.69
427.93
56.16
144.64
235-28
328.85
426.00
54- T I
T42.73
233-33
326.81
42300
5 f -93
T40.59
231.21
324.62
42 1 .64
49.59
138.35
228.92
^^^■^S
4"''i7
47.01
135-87
2>j6.41
3^0.65
416.4^)
44-19
133.20
227,.72
316.86
413.5^'
41.20
130.28
220.83
3 T 3.85
410.41
37-90
127.13
217.65
310.57
4o6.()4
34-33
123.73
214.22
306.99
403.21
305
y/2%
Qim
Age.
6 Years.
7 Years.
20
549.82
655-61
21
549-75
655-55
22
549.66
655-47
23
549-55
655-38
24
549-45
655-28
25
549-34
655-16
26
549-24
655-05
27
549-09
654.92
28
548.93
654-78
29
548.77
654-63
30
548.60
654-47
31
548.40
654.28
32
548.19
654-08
33
547-95
653.86
34
547-71
653-62
35
547-43
653-37
36
547-11
653.08
37
546.78
652.77
38
546.43
652.43
39
546.02
652.04
40
545-59
651-63
41
545-12
651.19
42
544-59
650.70
43
544-04
650.17
44
54340
649-57
45
542.72
648.93
46
542.00
648.23
47
541-17
647.46
48
540.28
646.62
49
539-32
645-70
50
538.25
644.70
51
537-11
643.61
52
535-84
642.40
53
534-48
641.09
54
532.98
639.67
55
531-35
638. T I
56
529-54
636.39
57
527.60
634-52
58
525-46
632.48
59
523-15
630.25
60
520.65
627.86
61
517-89
625.18
62
514.92
622.33
63
511-69
619.16
64
508.15
6i5-7f
65
504-30
611.97
SELECT AND ULTIMATE.
TERMINAL RESERVES.
TEN YEAR ENDOWMENT.
8 Years.
765.74
765.68
765.62
765.54
765.45
765-36
765.27
765.17
765-05
764.92
764.78
764.63
764-46
764.27
764.08
763-87
763.62
763-36
763-07
762.75
762.41
762.04
761.63
761.18
760.68
760.15
759-55
758.91
758.20
757-41
756.57
755-66
754-63
753-53
752.31
750.99
749-54
747-93
746.21
744-29
742.22
739-93
737-43
734-71
731-71
728.44
9 Years.
10 Years.
880.44
1000.00
880.41
1000.00
880.37
1000.00
880.32
1000.00
880.27
1000.00
880.21
1000.00
880.15
1000.00
880.09
1000.00
880.01
1000.00
879-93
1000.00
879-85
1000.00
879-75
1 000.00
879-65
1000.00
879-53
1000.00
879.4 r
1000.00
879.27
1000.00
879.12
1 000.00
878.95
1000.00
878.78
1000.00
878.58
1000.00
878.36
1 000.00
878.13
1000.00
877-87
1000.00
877-59
1000.00
877.28
1000.00
876.94
1000.00
876.57
1 000.00
876.16
1000.00
875-72
1 000.00
875-23
1 000.00
874-69
I (XX). 00
874-11
100(0.00
873-47
1000.00
872.76
1000.00
871-99
1000.00
871-15
1000.00
870.22
1CXX).00
869.21
1 (XX).00
868.0()
1(X)0.00
866.87
lOOO.CK)
865.53
IOOO.(X)
864.0s
1000.00
862.43
1000.00
860.66
I(X)0.(30
858.70
1000.(00
856.56
lOCXJ.OO
3o6
ni/ry
/
SELECT AND ULTIMATE.
aYPa
^
MEAN RESERVES.
\3^ 1 n
\J
WHOLE LIFE.
Qim
Age. I
Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
1.26
10.22
19-37
28.39
37-42
21
1.28
10-75
20.22
29-54
38.90
22
1.30
11.30
21.10
30.76
40.47
^Z
1-31
11.84
21.98
32.00
42.05
24
1-34
12.43
22.93
33-30
43-70
25
1.36
13.02
23-88
34-62
4541
26
1.62
13-65
24.91
36.04
47.22
^2
1.85
14.28
25.92
37-47
49-08
28
2.09
14-95
27.02
38.98
50.97
29
2.31
15-59
28.11
40.52
52.95
30
2.55
16.30
29.26
42.11
55-02
31
2.82
17.02
30.44
43-77
57.15
32
303
17.72
31-65
45-46
59-31
33
3.28
18.49
32.92
47-24
61.01
34
3-50
19.27
34.22
49-07
63-95
35
3-74
20.03
35-54
50.93
66.35
36
3-96
20.84
36.92
52.89
68.88
37
4.19
21.67
38.35
54-90
71.46
38
4.40
22.54
39-84
57.00
74.16
39
4-5^>
23-35
41-31
59.10
76.89
40
476
24.22
42.85
61.29
79.71
41
4-94
25-13
44.46
63-58
82.65
42
5-09
26.01
46.06
65.88
85.66
43
5-23
26.93
47-74
68.30
88.77
44
5-31
27.83
49.40
70.72
91.94
45
541
28.75
51-13
73-24
95-20
46
5-47
29.70
52.92
75-83
98.56
47
548
30.62
54-73
78.48
102.02
48
545
31-55
56.57
81.18
105.53
49
542
32.48
58.44
83.96
109.16
50
5-32
33-40
60.34
86.78
112.87
51
5-17
34-35
62.30
89.70
116.68
52
4-95
35-26
64.27
92.65
120.57
53
4.68
36.15
66.24
95-65
124-53
54
4.69
37-04
68.30
98.76
128.60
55
5-03
37-89
70.30
101.86
132.69
56
5-39
38.74
72.36
105.04
136.92
57
5.80
3952
74-40
108.25
141.18
58
6.24
40.30
76.49
111.52
M5-54
59
6.72
41.04
78.58
114.84
149.98
60
7.24
41.72
80.67
1 iS.K)
154-47
61
7.82
42.38
82.78
121.60
15903
62
8.44
42.97
84.85
125.00
163.64
63
9-13
43-50
86.96
128.51
^(^'^■7.}.
64
9.88
43-98
89.02
131.98
173-05
65
10.69
44-39
91.09
135.50
177-83
307
ni
1 /.rw
SELECT AND ULTIMATE.
3
%Pfn
MEAN RESERVES.
U'
jL /U
WHOLE LIFE.
OCM]
Age,
6 Years.
7 Years.
8 Years.
9 Years.
10 Years.'
20
46.51
55-70
64.97
74-31
83.72
21
48.34
57.84
67.44
77.12
86.87
22
50-23
60.08
70.03
ao.o6
90.18
23
52.17
62.40
72.69
83.08
93-56
24
54-19
64.77
75-45
86.22
97.08
25
56.29
67.26
78.30
89-44
100.70
26
58.49
69.85
81.29
92.83
104.49
27
60.75
72.51
84.36
96-33
108.39
28
63.06
75.26
87-55
99-93
112.40
29
65.48
78.12
90.85
103.67
116.57
30
68.00
81.07
94.24
107.51
120.88
31
70.60
84.13
97-77
111.51
125-31
32
73-25
87.28
101.41
115-16
129.87
J3
76.04
90.55
105.15
119.85
134.61
34
78.91
93-95
109.05
124.24
139-48
35
81.85
97.42
113.06
128.75
144.49
36
84.90
lOI.OI
117.17
133-39
149.64
Ts'J
88.07
104.74
121.45
138.19
154.96
38
91.36
108.59
125.86
143.16
160.47
39
94.70
112.52
130.36
148.22
166.06
40
98.14
116.58
135-02
153-43
171.84
41
101.73
120.79
139-83
158.83
177-78
42
105.40
125.09
144-75
164.34
183.86
43
109.18
129.53
149-82
170.03
190.12
44
113.06
134.09
15503
175-85
196.51
45
117.03
138.75
ifxD.34
181.78
203.04
46
121. 15
143-57
165.82
187.89
209.74
47
125-36
148.51
171.44
194.14
216.60
48
129.66
153-56
177.19
200.55
223.61
49
134.08
158.72
183.06
207.07
230.73
50
138.62
164.03
189.08
213-75
238.01
51
143-27
169.46
195-23
220.57
245-44
52
148.02
175.01
201.52
227.53
253.02
53
152.86
180.65
207.90
23459
260.68
54
157-83
186.45
214.46
241.83
268.52
55
162.86
192.35
221.12
249-15
276.43
56
168.02
198.35
227.88
256.59
284.47
57
173-25
204.44
23474
264.14
292.62
58
178.58
210.65
241-73
271.81
300.85
59
184.02
216.97
248.82
279-56
309.18
60
189-53
223.39
256.03
287.43
317-59
61
195.11
229.87
263.29
295-37
326.08
62
200.78
236.45
270.64
303-37
334-62
63
206.52
243.11
278.10
311-47
343-23
64
212.32
249.84
285.59
319.60
351-87
65
218.19
256.64
293.17
327-82
360.57
3o8
01
1 /av/
SELECT AND ULTIMATE.
tl
^%
MEAN RESERVES.
U'
Z A^
WHOLE LIFE.
0[M]
Age.
II Years.
12 Years
13 Years.
14 Years.
15 Years.
20
93-25
103.04
113.10
123-43
134.06
21
96.78
106.91
117.31
128.02
139.02
22
100.44
110.91
121.70
132.78
144-13
23
104.18
115-05
126.21
137-65
149-39
24
108.08
119-33
130.87
142.70
154-83
25
112. 10
123-74
135-66
147.90
160.44
26
116.29
128.32
140.66
153.31
166.23
27
120.58
133-04
145.80
158.84
172.19
28
125.03
137.92
151.09
164.55
178.32
29
129.63
142.92
156.52
170.43
184.62
30
134-37
148.11
162.16
176.50
191.14
31
139-25
153-45
167.94
182.74
197.82
32
144.27
158.92
173.88
189.13
204.64
33
149-48
164.61
180.03
195-72
211.69
34
154-84
170-45
186.33
202.49
218.92
35
160.33
176.41
192.77
209.41
226.30
36
166.00
182.57
199-42
216.53
233-88
^^
171.83
188.90
206.24
223.82
241.63
38
177.84
195-42
213-24
231.30
249-59
30
183.96
202.05
220.37
238.92
257.66
40
190.27
208.86
227.69
246.72
265.93
41
196.76
215.88
235.20
254-71
274.40
42
203.38
223.01
242.84
262.85
282.99
43
210.16
230.32
250.67
271.16
291.77
44
217.11
237-81
^-frH
279.62
300.68
45
224.20
245-43
266.78
288.22
309.72
46
231.46
25322
275.07
296.98
318.93
47
238.8<)
26 1 . 1 7
283-50
305.88
328.27
48
246.44
269-23
292.07
314-91
ZZ7-72
49
254-13
277-45
300.78
324.07
347-29
50
261.95
285.80
309.60
333-33
356.96
51
269.95
294-30
318.57
342.73
366.75
52
278.06
302.90
327.64
352.22
376.61
53
286.27
311.61
336.79
361.78
386.53
54
294.64
320.46
346.08
371-45
396-54
55
303.08
329.37
355-41
381.16
406.56
56
311-65
338-30
364-83
390.92
416.65
57
320.29
347-47
374-30
400.73
426.73
58
329.01
356.61
383-82
410.57
436.83
59
337-82
365-84
39340
420.44
446.93
60
346.70
375-12
403.00
430-31
457-02
61
355-63
384-41
412.59
440.16
467.07
62
364-50
303-71
422.10
450.00
477-08
63
373-60
403.06
431-81
459.82
48703
64
382.63
412.40
441-39
469.56
496.89
65
391.69
421.73
450.93
479.25
506.68
309
3!^%
OEM]
Age. i6 Years.
20 144.9S
21 150.29
22 15577
2;^ 161.42
24 167.27
25 173-25
26 179.46
27 185.83
2>< 192.38
29 199.12
30 206.05
31 213.16
^2 220.44
33 227.92
34 235.60 •
35 243.42
36 251.45
^7 259.66
^^ 268.06
39 276.58
40 285.31
41 294.22
42 303.26
43 312.46
44 321.80
45 331-26
46 340.89
47 350.62
48 360.46
49 370.41
50 380.44
51 390.57
52 400.77
53 411.00
54 421.29
55 43T-60
56 441.93
57 452.25
58 462.55
59 472.85
60 483.10
61 493-29
62 503-40
63 513-43
64 523-35
65 533-17
SELECT AND ULTIMATE.
MEAN RESERVES.
WHOLE LIFE.
17 Years
18 Years.
19 Years.
20 Years.
I5(..i8
167.65
179-43
191.50
161.85
173-71
185.86
198.28
167.72
179.97
192.47
205.27
173-76
186.37
199.26
212.45
179.98
192.98
206.27
219.84
186.36
199.77
213-45
227.42
192.98
206.78
220.87
235-23
199.76
213.98
228.47
243.21
206.74
221.36
236.25
251.40
213.89
228.92
244.22
259-77
221.24
236.69
252.40
268.35
228.78
244-65
260.77
277.12
236.49
252.78
269.31
286.05
244.41
26 1 . [ 3
278.06
295-21
252.52
269.65
287.01
304-54
260.77
278.34
296.09
314.01
269.24
287.22
305-37
323-69
277.88
296.28
314.84
333-53
286.71
305.53
324-48
343-55
295.68
314-91
334-25
353-67
304.82
324.46
344-18
363-94
314.16
334-18
354-26
374-38
323-61
344-01
364-45
384-91
333-21
354-00
374-80
395-56
342.95
364.11
385-24
406.31
352.82
374-33
395-78
41713
362.81
384.67
406.43
428.05
372.91
395- 10
417-15
439-03
383.10
405.60
427-93
450.04
393-39
416.18
438.76
461.09
403-74
426.82
449.63
472.15
414.17
437-51
460.53
483.22
424.65
448.21
471.44
494.29
435-14
458.93
482.34
50530
445-69
469.68
493-23
516.29
456.22
480.38
504-05
527.20
466.75
491.06
514-84
538.05
477-24
501.69
525-55
548.79
487-71
512.26
536.18
55942
498.14
522.77
546.71
569.94
508.49
533-18
557-12
580.31
518.76
543-47
567-40
590.52
528.93
553-65
577-5?,
600.56
539.00
56369
587-50
610.42
548.92
573-57
597-29
620.06
558.72
583-30
606.89
629.50
310
3'/2%
SELECT AND ULTIMATE.
MEAN RESERVES.
TWENTY PAYMENT LIFE.
Qim
Age.
I Year.
2 '
20
7.76
21
8.04
22
8.31
23
8.57
24
8.84
25
9-13
26
9.42
27
9.70
28
9.98
29
10.24
30
10.51
31
10.80
32
11.05
33
11.30
34
11-55
35
11.80
36
12.01
37
12.22
38
12.38
39
12.58
40
12.73
41
12.83
42
12.94
43
12.99
44
12.99
45
13.00
46
12.93
47
12.82
48
12.67
49
12.46
50
12.20
51
11.83
52
11-37
53
10.93
54
10.37
55
9-65
56
8.96
57
8.10
58
7.16
59
6.72
60
7-?4
25-19
25.82
26.48
27.13
27.82
28.51
29.22
29-95
30.68
31-41
32.16
32.93
33-69
34-46
35-25
36.04
36.82
37.61
38.37
39-18
39-97
40.70
41.48
42.20
42.93
43-65
4431
44.96
45.60
46.17
46.74
47.24
47.66
48.14
48.52
48.81
49.13
49-34
49-51
49-94
50.85
Years.
41.12
43-13
44-17
45-23
46.32
47-43
48.57
49-73
50.92
52-13
53-36
54.62
55-90
57-18
58.50
59-83
61.17
62.55
63.90
65-29
66.70
68.07
69-49
70.87
72.26
73.68
75-05
76.41
77-79
79-13
80.47
81.78
8305
84.31
85-55
86.77
87.97
89.13
90.30
91.42
92.52
4 Years.
59-24
60.64
62.06
63-52
65-03
66.57
68.14
69-75
71.40
73-08
74-80
76.56
78.34
80.15
82.01
83.87
85-77
87.71
89.66
91.63
93-63
95-63
97.66
99.69
101.71
103.80
105.83
107.90
109.95
1 12.01
1 14.05
1 16. 1 1
118.13
120.15
122.17
124.18
126.20
128.19
130.22
132.23
134-25
Years.
76-73
78.51
80.33
82.21
84.13
86.10
88.13
90.18
92.31
94-45
96.67
98.92
101.22
103.54
105.93
108.35
110.79
113.29
1 15.81
118.36
120.95
123.55
126.18
128.83
131.46
134-17
136.85
139-57
142.26
144-98
147-69
150.42
153.12
155-84
158.56
161.26
164.01
166.73
169.49
172.26
175-07
3"
3'/2%
QlMl
SELECT AND ULTIMATE^
MEAN RESERVES.
TWENTY PAYMENT LIFE.
Age.
6 Years.
7 Years.
8 Years.
9 Years.
10 Years.
20
9465
I J 3.01
J31-85
151.20
171.09
21
96.81
115.58
134-85
1 54-63
174-93
22
99-05
1 18.23
'37-9f
158.12
178.88
23
101.34
120.94
141.05
161.71
182.92
24
103.69
123.73
144.29
i65.3'>
187.05
25
10(^).I0 .
126.59
r 47.60
169.17
191-30
26
108.57
129.52
150.99
173.02
195-63
27
111.09
132.51
154.45
1 76.96
200.06
28
113.68
^ 35-57
158.00
180.99
204.58
29
116.32
138.70
161.61
185.10
209.20
30
119.02
141.89
165.31
189.30
213.90
31
121.77
I45-H
169.06
193-57
218.69
32
124.58
148.46
172.90
197-93
223.56
33
127.42
151.82
176.78
202.33
228.50
34
130.34
155-28
180.77
206.84
233-53
35
133-30
158.76
184.79
211.40
238.63
36
136.29
162.31
188.87
216.02
243-79
37
139-34
165.91
193.01
220.70
249.00
38
142.41
169-53
197.19
225-43
254.28
39
145-54
173.21
201.42
230.20
259-59
40
148.70
176.94
205.71
235-03
264.94
41
151.88
180.69
210.01
239-87
270.33
42
155-13
184.49
214.36
244-76
275-75
43
158.35
188.31
218.74
249.68
281.18
44
161.59
192.14
223.11
254-57
286.61
45
164.89
195-99
227.52
2.59-52
292.04
46
168.19
199.87
231-94
264.45
297.46
47
T71-51
203-75
236.35
269.37
302.88
48
174.81
207.64
240.78
274.29
308.25
49
178.14
211-53
245-19
279.20
313-61
50
181.46
215.41
249-59
284.07
318.92
51
184.79
219.30
253-99
288.91
324-17
52
188.12
223.18
258.37
293-75
329-38
53
191.46
227.07
262.73
298.52
334-55
54
194.79
230.94
267.08
303-28
339.63
55
198.12
234.81
271.40
307.99
344-66
56
201.49
238.70
275-74
312.68
349-63
57
204.83
242.59
280.07
317-35
354-56
58
208.22
246.49
284.38
321.99
359-43
211.63
250.42
288.69
326.60
364-23
60
215.08
254.37
293-05
331-23
369.02
312
3'/2%
0[M]
SELECT AND ULTIMATE.
MEAN RESERVES.
TWENTY PAYMENT LIFE.
Age.
II Years.
12 Years.
13 Years.
14 Years.
15 Years.
JO
191 -57
212.7s
234-77
257-58
281.25
Ji
i95.8(.
2 1 7-52
239.97
263.26
287.42
22
200.25
222.7,2
245-31
269.09
293-74
23
204.75
227-34
250.76
275-04
300.21
24
209.3'.
232-44
256.35
281.13
306.83
25
214.08
237(n
262.06
287-36
313-58
26
218.90
242.97
267.89
293-71
320.48
27
22^A^
248.39
273-84
300.20
327-50
28
228.86
253-93
279-90
306.80
334-66
29
233.98
259-58
286.08
313-51
341-93
30
239.20
265.32
292.36
320.35
349-34
31
244-51
271.16
298-75
327.30
356-86
32
249.91
277.10
305-24
334-35
364.48
33
255-39
283.12
311-81
341.48
372.18
34
260.95
289.23
318.46
348.70
379-99
35
266.59
29S-41
325.20
356.00
387-87
36
272.28
301.65
331.99
363-36
395-82
37
278.03
307-95
338.85
370-79
40383
38
283-84
314-29
345.75
378-26
411.88
39
289.69
320.68
352.69
385-76
419-96
40
295-58
327.12
359.66
393-29
428.06
41
301.49
333-56
366.65
400.82
436.14
42
307-43
340.02
373-C^3
408.34
444-24
43
313-38
346.47
380.59
415-84
452.29
44
3 19-3 1
352-89
387.54
423-31
460.29
45
325.22
359-31
394-45
430-72
468.24
46
33^-^3
365-69
401.30
438.06
476.09
47
33701
372-02
408.10
445-33
483.84
48
342.82
378.28
414.79
452.47
491.49
49
348.60
384-47
421.39
459-53
49900
50
354-32
390.57
427.91
466.44
506.34
51
359-94
396.58
434.29
473-19
513-50
52
3^^5-52
402.49
440.52
479.78
520.47
53
371.00
408.27
446.60
486.18
527-22
54
376-38
413.92
452.53
492.39
S33-75
55
381.68
419.46
458.30
498.39
540.02
56
386.88
424.86
463.88
504.18
546.05
57
391-99
430. 1 1
469.28
509.74
55^ -^2
58
397.00
43524
474.51
515-08
557-30
59
401.92
440.23
479-57
520.19
5C^2.4S,
60
406.78
445-12
484-45
525-05
567-39
313
3
y2%
SELECT AND ULTIMATE.
MEAN RESERVES.
u
^ Z /yJ
TWENTY
PAYMENT
LIFE.
Qim
Age
16 Years.
17 Years.
18 Years.
19 Years.
20 Years.
20
305.80
iZ^-V
357-71
385.14
413.62
21
312.48
338.47
365-45
393-44
422.56
22
31932
345-85
373-36
401.93
431-58
^^
7^^^^-Z •
353-38
381.47
410.61
440.85
24
33346
^61.09
389-74
419.47
450.33
25
340.76
368.95
398.18
428.51
459.99
26
348.21
376.96
406.79
AT^I-IZ
4''9-85
27
355-79
385.13
415-55
447-12
479.88
28
36352
393-44
424-47
456.66
490.08
29
371.38
401.90
433-54
466.37
500.46
30
379-36
410.48
442.74
476.22
510.99
3t
387-46
419-18
452.08
486.21
521.67
32
395-68
428.01
461.54
496.34
532.50
33
403.98
436.93
471.11
506.59
54346
34
412.39
445-96
480.79
516.94
554-54
35
420.87
455-07
490.55
527-40
565-72
36
429.42
464-25
500.39
537-93
576.99
37
438-03
473-49
510.29
548.52
588.35
38
446.69
482.77
520.22
559-18
599-77
39
455-37
492.07
530.20
569-87
611.24
40
464.06
501.40
540.19
580.58
622.76
41
472-74
510.71
550.17
591-31
634-28
42
481.42
520.00
560.14
602.0 T
645.80
43
490.05
529.26
570.07
612.67
657-32
44
498.62
538.44
579.91
623.29
668.81
45
507-13
547-55
589-71
633-85
680.23
46
515-52
556.56
599.40
644.29
691.59
47
523-83
565-46
608.95
654-63
702.86
48
532.00
574.19
618.35
664.83
714.02
49
539-99
582.76
627.59
674.87
725-05
50
547-82
591-14
636.64
684.73
735-94
51
555-44
599-31
645-46
694.38
746.67
52
562.85
607.23
654.05
703.82
1'^7-^A:
53
570.00
614.90
662.37
713.02
767.61
54
576-91
622.29
670.43
721.96
177-7S
55
583-54
629.40
678.17
730.58
787.68
56
589-89
636.18
685.56
738.91
797-37
57
595-93
642.60
692.61
746.92
806.79
58
601.62
648.69
699.30
754-55
815.96
59
606.99
654.38
705-57
761.83
824.85
60
612.02
659.68
711.45
768.73
83346
314
3'/2%
SELECT AND ULTIMATE.
MEAN RESERVES.
FIFTEEN PAYMENT LIFE.
Qim
Age.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
' ^.V)
34-45
50.21
78.34
1 1 .o(>
21
12.76
35-25
57-45
80.07
103.26
22
13.11
36.08
58.75
81.84
105-52
23
■347
36.90
60.06
83-65
107.84
24
13.S2
37-75
61.41
85-51
U0.23
25
14.20
38.63
62.80
87-43
112.68
26
14-59
39-53
64.23
89-39
115.18
27
14.96
40.44
65.68
91-38
117.74
28
15-35.
41-37
67.17
93-45
120.39
29
15-71
42.30
68.68
95-53
123.06
30
16.09
43.26
70.22
97.67
125.81
31
16.48
44.24
71.80
99-86
128.61
32
16.84
45.22
73-40
102.07
131.46
33
17.20
46.20
75.02
104.34
134-36
34
1756
47.21
76-67
106.63
137-32
35
17.92
48.23
78-34
108.97
140.33
36
18.28
49.24
80.02
111-33
143-37
37
18.61
50.27
81.75
113-75
146.48
38
18.90
51.28
83-47
116.18
149.61
39
19.22
52.31
85-19
118.62
152.76
40
19-47
5330
86.93
121.08
155-96
41
19.71
54-29
88.66
123-55
159.16
42
19.96
55-31
90.44
126.06
162.41
43
20.14
56.27
92.17
128.56
165.65
44
20.26
57.22
93-90
1 3 1 .06
168.91
45
20.41
58.16
95-64
133-58
172.17
46
20.45
59.04
97-33
136-05
17540
47
20.47
59-91
99.02
138.52
178.65
48
20.43
60.74
100.67
140.97
181.87
49
20.32
61.51
102.29
143-39
185.05
50
20.18
62.25
103.88
145-79
188.22
51
19-93
62.91
105.41
148.13
191-34
52
19.62
^\3-54
106.89
150.43
194.40
53
19.18
64.06
108.31
152.66
197.40
54
18.72
^U-54
1 09.66
154.84
200.34
55
18.12
64.94
110.97
156.96
203.20
56
17-43
^\S-25
112:l8
159.00
205.99
57
16.61
^>5-45
113-30
160.95
208.68
58
15.66
65.57
114.36
162.82
21T.28
59
14-5^
65-58
115-31
164.61
213.78
60
i3-3«
65.46
116.15
166.27
216.16
61
12.04
65.26
116.93
167.89
218.48
62
10.54
64.93
117.59
169.38
220.67
63
9-13
64.60
118.14
170.78
222.74
64
9.88
65-36
118.63
172.11
224.75
65
10.69
66.12
119.00
173-34
226.64
315
y/2%
SELECT AND ULTIMATE.
MEAN RESERVES.
FIFTEEN PAYMENT LIFE.
OCM]
Age.
6 Years.
20
124.42
21
127.11
22
129.89
23
132.72
24
135-64
25
138.63
26
141.70
27
144.84
28
148.06
29
151-35
30
154-71
31
158.13
32
161.63
33
16S.18
34
168.80
35
172.49
36
176.21
37
180.01
38
183.85
39
187.72
40
191.64
41
195.57
42
199-57
43
203-55
44
207.54
45
211.54
46
215-53
47
219-53
48
223.49
49
227.42
50
231.32
51
235-17
52
238.97
53
242.68
54
246.32
55
249.88
5^>
253.35
57
256.69
58
259.93
59
263.09
60
266.07
61
268.96
62
271.72
63
274-35
64
276.88
65
279.24
7 Years. 8 Years. 9 Years. 10 Years.
148.47 173.25 198.79 225.15
151.66 176.97 203.05 229.95
154.96 180.78 207.41 234.89
158.32 184.70 211.89 239.94
161.79 188.72 216.49 245.14
165.34 192.86 221.23 250.47
168.98 197-09 226.05 255.92
172.71 201.42 230.99 261.49
176.54 205.86 236.06 267.20
180.44 210.37 241.20 273.01
184.43 215.01 246.50 278.96
188.49 219.72 251.89 285.04
192.63 ■ 224.52 257.36 291.20
196.84 229.41 262.94 297.50
201.14 234.39 268.61 303.88
205.51 239.45 274.39 310.37
209.94 244.59 280.23 316.95
214.43 249.80 286.16 323.61
218.97 255.05 292.15 330.35
223.56 260.37 298.20 337.15
228.20 265.73 304.31 344.0I
232.86 271.13 310.45 350.92
237-59 276.59 316.65 357.87
242.32 282.05 322.85 364.84
247.05 287.52 32907 371-82
251-79 293.01 335.30 378.79
256.53 298.48 341.50 385.74
261.24 303-92 347.68 392.68
265.94 309.34 353.82 399.55
270.60 314.71 359.91 406.36
275.21 320.03 365.92 413-09
279.76 325.27 371.84 419.70
284.26 330.44 377-68 426.21
288.65 335.48 383.37 432.58
292.96 340.43 388.95 438.79
297.16 345.25 394.37 444.81
301.25 349-93 399.62 450.65
305.21 354.46 404.69 456.27
309.03 35^-^^ 40957 46T.66
312.73 362.98 414.21 466.79
316.24 366.97 418.63 471.64
319.62 370.78 422.82 476.23
322.84 374.38 426.77 480.52
325.91 377-77 430.44 484.49
328.82 380.99 433-91 488.16
331-55 38399 437-07 491-49
3i6
3'/2%
SELECT AND ULTIMATE.
MEAN RESERVES.
FIFTEEN PAYMENT LIFE.
OEM]
Age
II Years.
12 Years.
20
252.40
280.67
21
25777
286.63
2.2
263.29
292.75
23
268.94
299.02
24
27475
305-46
25
280.70
312.05
26
286.78
31879
27
293.01
325-70
28
299.39
332-76
29
305.88
339-95
30
312.52
347-31
31
319.29
354-80
32
326.17
362.42
7.}^
33319
370.19
34
340.31
378.07
35
347-54
386.07
36
354-87
394.18
37
362.29
402.39
38
369.80
410.69
39
377-37
419.08
40
385-01
427-52
41
392.70
436.03
42
400.43
444-58
43
408.19
453-16
44
415-95
461.74
45
423.70
470.32
46
431-43
478.89
47
439-14
487.41
48
446.77
495-87
49
454-34
504-25
50
461.82
512.53
SI
469.16
520.70
52
476.40
528.74
53
483.48
536.58
54
490.36
544-24
55
497-05
551-70
56
50353
558.91
57
509-74
565-85
58
515-69
572.50
59
521.37
578.85
60
526.73
584-88
61
531-79
590.55
62
536.49
595-82
63
540.81
600.69
64
544-78
60s. 16
65
548.35
. 60^.16 -
13 Years 14 Years. 15 Years.
310.04 340.57 372.31
316.61 347-77 380.16
323-35 -355-16 388.21
330.27 362.73 396.48
337-35 370.50 404-95
344.61 378.45 413-62
352.05 386.59 422.50
359-64 394-92 431-58
367.42 403.43 440.85
375.34 412.11 450.33
383.43 420.97 459-99
391.68 430.00 469.85
400.07 439-20 479.88
408.62 448.55 490.08
417.29 458.05 500.46
426.09 467-70 510.99
435.02 477-48 521.57
444.05 487.38 532.50
453-19 497-40 543-46
462.42 507-52 554-54
471.72 517.74 565-72
481.09 528.03 576.99
490.51 538.37 588.35
499-95 548.76 599-77
509.43 559-^9 611.24
518.90 569.63 622.76
528.35 580.07 634.28
537-78 590.48 645.80
547.14 600.83 657.32
556.41 61 1. 1 5 668.81
565.62 621.39 680.23
574.70 631.50 691.59
583.63 641.50 702.86
592.38 651.34 714.02
600.96 66t.ot 72505
609.32 670.49 735-94
617.43 679.75 746.67
625.28 C^?!^.'j(S 757.24
632.84 697.54 767-61
640.10 706.01 177 -JS
647.02 714.16 787.68
65355 721.Q8 7()7.Z7
659.71 729.45 806.79
665.44 77^^-1^ 815.96
670.73 743-20 824.85
67556 749-45 833.46
317
3'/2%
OCM]
SELECT AND ULTIMATE.
MEAN RESERVES.
TEN PAYMENT LIFE.
Age.
I Year.
2 Years.
20
21.89
53-45
21
22.44
54-59
22
22.97
55-77
23
23.51
56.95
24
24.06
58.20
25
24.64
59-46
26
25-23
60.76
27
25.81
62.08
28
26.41
63-44
29
27.01
64.81
30
27.61
66.22
31
28.26
67-67
32
28.86
69.13
33
29.47
70.60
34
30.10
72.12
35
30.74
73-66
36
31-35
75.20
37
31.96
76.75
38
32.55
78.31
39
33-16
79.91
40
33-75
81.50
41
34.30
83-09
42
34.85
84.69
43
35.38
86.26
44
35-85
87-85
45
36.32
89.40
46
36.76
90.95
47
37-13
92.46
48
37.46
93-95
49
37-75
95-38
50
37-97
96.77
51
38.13
98.12
52
38.20
99.38
53
38.19
100.59
54
38.10
101.70
55
37-92
102.75
56
37-63
103.68
57
37-23
104.49
58
36.69
105.20
59
36.00
105.75
60
35-21
106.20
61
34.24
106.47
62
33-12
106.58
63
31-77
106.48
64
30.28
106.03
65
28.56
105-75
3 Years 4 Years. 5 Years.
85. oS 1 17.5 1 150.96
86.86 119.96 154.07
88.69 122.45 157.26
90.56 125.02 ir>o.54
92.48 127.66 163.92
94.46 130.36 167.38
96.49 133-14 170.94
98.57 136.00 174.59
100.70 138.93 178.34
102.87 141.92 182.17
105. 1 1 144.99 186.10
107.38 148.13 190.12
109.70 151.32 19421
112.07 154.59 198.40
114.48 157.91 202.67
116.93 161. 3 1 207.03
119.41 164.75 211.45
121.94 168.25 215.95
124.48 171.80 220.53
127.06 175.41 225.17
129.68 17905 229.87
132.31 182.73 234.62
134.97 186.45 239.42
137.61 190.18 244.25
140.27 193.92 249.10
142.93 197.71 254.01
145.59 201.47 258.90
148.23 205.24 263.82
150.85 209.00 268.72
153.43 212.72 273.59
155.98 216.42 278.44
158.49 220.07 283.25
160.91 223.66 287.99
163.29 227.18 292.67
165.57 230.62 297.26
167.79 233.97 301.73
169.89 237.21 306.12
171.86 240.31 310.34
173-74 243.29 314.40
175.44 246.09 318.28
177.02 248.75 :^22.02
178.43 251.22 325.^1
179.66 253.50 328.80
180.68 255.54 331.81
181.5I 257.35
334
33
182.11 258.90 33702
3i8
3'/2%
SELECT AND ULTIMATE.
MEAN RESERVES.
TEN PAYMENT LIFE.
Age.
6 Years.
7 Years.
20
1^^5-51
221.23
21
189.31
225.74
22
193.22
230.39
23
197.23
235-17
24
201.37
240.08
^1
205.61
245-14
26
209.97
250.32
27
214-45
255-65
28
219.03
261.10
29
223.73
266.69
30
228.54
272.42
31
233-46
278.28
32
238.50
284.26
33
243-63
290.37
34
248.87
296.61
35
254.21
302.98
36
259.64
309-45
37
265.18
316.04
38
270.80
322.74
39
276.50
329-54
40
282.28
336.42
41
288.12
343-40
42
294.04
350.47
43
300.00
357-58
44
305-98
364-75
45
312.04
371-99
46
318.09
379-25
47
324.17
386.51
48
330.24
393-81
49
336.30
401.09
50
342.31
408.33
51
348.31
415-56
52
354.23
422.72
S3
360. TO
429.81
54
365.85
436.80
55
371-49
443-66
56
377-03
450.41
57
382.38
456.99
58
387-57
463.37
59
392.58
469.57
60
397-39
475-53
6r
40T.94
481.24
62
406.26
486/,r;
63
410.28
491.81
64
413-98
496.61
65
417-36
501.02
8 Years. 9 Years. 10 Years.
258.18 296.44 336.OV;
263.45 302.48 342.92
268.85 308.68 349-95
274.42 315.07 357-19
280.14 321.63 364-63
286.04 328.39 372.28
292.07 335.31 380.12
298.27 342.42 388.18
304.64 349-72 396.44
31 1. 14 357.18 404.91
317.82 364.84 413-58
324.64 yj^.^l 422A7
331.62 380.68 431-54
338.74 388.85 440.81
346.02 397-20 450.29
353.44 405.71 459.95
360.99 414-39 469.81
368.68 423.22 479.83
376.49 432.20 490.04
384.42 441.32 500.41
392.47 450.58 510.94
400.62 459.96 521.63
408.87 469.46 532.46
417.20 47906 543.41
425.59 488.75 554.49
434.07 498.54 56567
442.58 508.38 576.94
451.12 518.28 588.30
459.69 528.21 599-72
468.26 538.17 611.20
476.81 548.12 622.yo
485-35 558.07 634.22
493-82 567-99 645.74
502.23 577-85 6^7.28
510.55 587.64 668.74
518.74 507-33 680.16
526.82 606.92 69T.52
534.75 616.38 702.79
542.47 625.67 713.95
549.99 634.76 724.98
557.29 643.66 yy^.^y
564-33 652.32 74f..6()
571.10 660.74 y'^y.\y
577-53 668.85 767. "^T
583.64 676.67 777.66
589.38 684.16 787.59
319
3'/2%
SELECT AND ULTIMATE.
MEAN RESERVES.
TWENTY YEAR ENDOWMENT
OtM]
Age. I Year. 2 Years. 3 Years 4 Years. 5 Years.
20 26.94 63.54 100.43 138.34 177-50
21 26.89 63.51 100.42 138-35 177-52
22 26.82 63.47 100.41 138-37 177-54
27, 26.74 63.44 100.40 138-36 177-55
24 26.66 63.39 100.39 138-38 177-56
25 26.57 63.33 100-36 138-37 177-58
26 26.49 63.29 100.35 138-39 177-63
27 26.39 63.24 100.31 138.37 177-64
28 26.28 63.20 100.32 138-40 177-67
29 26.15 63.09 100.29 138-41 177.68
30 26.02 63.05 100.28 138-43 177-74
31 25.86 62.95 100.24 138-43 ^77-7^
32 25.70 62.86 100.20 138-43 177-80
33 25.55 62.77 100.17 138.44 177-82
34 25.36 62.68 100.14 138-50 177-92
35 25.15 ' 62.56 100.09 138-48 177-95
36 24.92 62.43 100.05 138-51 178.01
37 24.68 62.31 100.02 138-55 178.09
38 24.39 62.14 99.96 138.58 178.16
39 24.11 62.01 99.95 138.61 178-23
40 23.81 61.88 99.91 138.66 178-34
41 23.44 61.66 99.84 138.71 178-47
42
43
44 22.21
23.10 61.50 99.81 138-75 178-59
22.67 61.26 99.74 138-83 178.73
61.03 99-65 138-83 178-82
45 21.74 60.79 99-6 1 138-96 179.02
46 21.20 60.51 99.55 139-05 179-24
47 20.61 60.20 99-46 1 39- 1 5 179-46
48 20.04 59-94 99-43 1 39-29 i79-70
49 19-34 5956 99-35 139-44 179-99
50 18.61 59.23 99.31 139.59 180.31
51 17.81 58.82 99.25 139-81 180.69
52 16.90 58.34 99.18 140.02 181. 10
53 16.05 57-98 99.14 140-27 181.57
54 15-09 57-56 99.13 140.59 182.11
55 13-94 57-00 99.13 140.93 182.70
56 12.87 56.58 99-14 141.33 183.38
57 11.65 56.06 99.19 141.83 184.20
58 10.32 55-50 99.27 142.37 185.07
59 8.90 54.91 99.36 143.01 186.10
60 7.42 54.34 99.53 143-74 187.25
320
3'/2%
QIM]
SELECT AND ULTIMATE.
MEAN RESERVES.
TWENTY YEAR ENDOWMENT
Age. 6 Years. 7 Years.
20 218.00 259.92
21 218.03 259.95
22 218.05 259.96
23 218.07 259.98
24 218.08 260.01
25 218.10 260.02
26 218.16 260.08
27 218.19 260.09
28 218.22 260.13
29 218.25 260.16
30 218.31 260.22
31 218.35 260.26
32 218.39 260.29
33 218.43 260.35
34 218.53 260.44
35 218.59 260.48
36 218.66 260.57
37 218.76 260.67
38 218.85 260.74
39 218.95 260.84
40 219.08 260.99
41 219.22 261.14
42 ^219.40 261.28
43 219.56 261.47
44 219.74 261.66
45 219.96 261.86
46 220.24 262.15
47 220.51 262.43
48 220.82 262.77
49 221.18 263.12
50 221.58 263.53
51 222.05 264.01
52 222.57 264.56
53 223.17 265.18
54 223.84 265.89
55 224.58 266.68
56 225.43 267.59
57 226.42 268.64
58 227.52 269.83
59 228.78 271.17
Tk) 230. t 9 272.71
8 Years.
9 Years.
10 Years.
30336
348.39
395-09
303-38
348.39
395-08
303-39
348.40
395-07
30339
348.39
395-06
303-41
348.38
395-04
303-41
348.38
395-02
303-47
348.40
394-99
303-46
348.40
394.98
303-50
348.41
394-95
303-52
348.41
394-93
303-56
348.42
394-91
303-57
348.40
394-86
303.61
348.43
394-85
303-64
348.43
394.81
303-72
348.47
394-79
303-76
348.48
394-76
303-81
348.49
394.72
303-88
348.52
394.68
303-95
348.56
394.66
304-02
348.57
394-61
304-15
348.63
394-59
304.26
348.68
394-56
304-37
348.74
394-54
304-53
348.84
394-53
304.66
348.88
394-48
304-83
349-01
394.48
305-07
349-14
394-50
305-29
349.27
394-50
305-60
349-48
394-56
30590
349-68
394-61
306.27
349-94
394-69
306.70
350.24
394-82
307.19
350.62
395-00
307-74
35^-03
395-21
308.4 T
351-55
395-51
309.15
352-15
395-86
310.01
3S2.^4
396.31
3 1 1 .00
3S3,-C^^
396.88
312.T5
354-66
307-57
3^3-41
355-77
398.39
3M-96
357-11
399-41
32]
3'/2%
SELECT AND ULTIMATE.
MEAN RESERVES.
TWENTY YEAR ENDOWMENT
QlMi
Age.
II Years
12 Years.
13 Years.
20
443-61
494.12
546.70
21
443-59
494-07
546.64
22
443-55
494.01
546.57
23
443-52
493-96
546.50
24
443-48
493.90
546.40
25
443-43
493-82
546.30
26
443-39
493-76
546.21
27
443-34
493-67
546.10
28
44329
493-58
545-97
29
443-23
493-48
545-84
30
443-17
493-38
545-70
31
443-09
493-27
545-55
32
443.01
493-13
545-37
33
442.93
493-00
545-18
34
442.87
492.87
544-99
^1
"^il
492.71
544-77
.36
442.66
492.55
544-54
37
442.55
492.36
544-29
38
442.46
492.18
544-02
39
442.33
491.96
543-71
40
442.21
491-74
543-40
41
442.09
491-52
543-07
42
441.96
491.27
542.69
43
441.82
490.99
542.29
44
441.66
490.70
541.86
45
441.51
490.40
541.41
46
441.37
490.10
540.94
47
441.22
489-77
540.42
48
441.09
489-43
539-90
49
440.95
489.08
539-33
50
440.82
488.73
538.73
51
440.73
488.37
538.11
52
440.65
488.03
537-48
53
440.60
487.68
536.82
54
440.61
487.36
536.17
55
440.65
487-05
535-50
56
440.79
486.80
534-84
57
441.00
486.61
534-22
58
441-31
486.48
533-61
59
441.73
486.43
533-05
60
442.32
486.50
532.57
14 Years. 15 Years.
601.49 658.59
601.41 658.49
601.32 658.39
601.23 658.28
601. 11 658.15
600.99 658.02
600.88 657.88
600.74 657.72
600.58 657.55
600.42 657.35
600.25 657.16
600.05 656.93
599-83 656.86
599.60 656.41
599.36 656.13
599.08 655.81
598.79 655.47
598.46 655.08
598.12 654.69
597-74 654.24
597-34 653.76
596.90 653.25
596.43 652.69
595-91 652.08
595-35 651.41
594.76 650.71
594.12 649.94
593-44 649.12
592.73 648.25
591-95 647.29
591.12 646.27
590.26 645.19
589-35 644.05
588.39 642.82
587.41 641.54
586.37 640.18
585.32 C\:^S.-7
584.26 637.^0
583.17 Gy^.yy
582.09 634.20
581.05 632.61
322
3'/2%
SELECT AND ULTIMATE.
MEAN RESERVES.
TWENTY YEAR ENDOWMENT
OCM]
Age.
16 Years.
17 Years.
18 Years.
19 Years.
20 Years.
20
718.10
7^0.17
844.92
912.51
983.09
21
718.00
780.07
844-84
912.46
983.09
22
717.89
779.96
844-75
912.40
983.09
23
7^7-77
779-85
844-65
912.34
983-09
24
717.04
779.72
844.54
912.27
983.09
25
717-50
779-58
844.42
912.19
983-09
26
717-35
779-43
844.30
912.12
983-09
27
717.18
779.27
844.16
912.03
983.09
28
716.99
779.09
844.00
911-93
983.09
29
716.78
778.88
843-83
911.82
983-09
30
716.58
778.68
843-65'
911.71
983.09
31
716.33
778.44
843-45
911-59
983-09
32
716.07
778.18
843-23
911-45
983-09
2,2>
715-77
777.89
842.98
911.29
983.09
34
715-48
777.60
842.73
911.12
983.09
35
715-13
777.26
842.44
910.95
983.09
36
714.76
776.90
842.13
910.74
983.09
37
71435
776.49
841.78
910.53
983-09
38
713-92
776.06
841.41
910.29
983.09
39
713-44
775.59
841.00
910.03
983-09
40
712.92
775-08
840.56
909-75
983.09
41
712.36
774.52
840.08
909.44
983.09
42
711-75
773-91
839-55
909.10
983-09
43
71!. 08
773-25
838.97
908.73
983-09
44
710.35
772.52
838.34
908.32
983-09
45
709-57
771-74
837-65
907.88
983-09
46
708.73
770.89
836.91
907.41
983-09
47
707.81
769.96
836.10
906.88
983.09
48
706.84
768.97
835-22
906.30
983-09
49
705-77
767.88
834.26
905.68
983.09
50
704.62
766.71
833-22
904.99
983.09
51
70339
765-44
832.09
904.25
983.09
52
702.08
764.08
830.86
903.44
983.09
53
700.66
762.61
829.54
902.55
983-09
54
699.17
761.04
828.10
901.59
983.09
55
^^7-57
759-33
826.54
900.54
983.09
5^'
695.88
757-53
824.87
899.40
983.09
57
69409
755-60
823.07
898.17
983.09
58
692.21
753-54
821.13
896.82
983.09
59
690.24
751.35
819.0S
895.37
983.09
60
688.20
749-05
816.82
893-79
983.09
323
y/2%
SELECT AND ULTIMATE.
MEAN RESERVES.
FIFTEEN YEAR ENDOWMENT.
0[M]
Age.
I Year.
2 Years.
3 Years.
4 Years.
20
4345
96-55
150.62
206.41
21
4340
96.49
150.56
206.36
22
43-32
96.44
150.53
206.34
23
43-24
96-37
150.46
206.26
24
43-14
96.28
150.38
206.21
25
43-07
96.22
150.33
206.17
26
42.96
96.16
150.29
206.12
27
42.83
96.04
150.17
206.01
28
42.72
95-97
150.13
205.97
29
42.59
95-84
150.02
205.88
30
4243
95-73
149.94
205.79
31
42.26
95.62
149-83
205.69
32
42.08
95-45
149.70
205.57
33
41.89
95-30
149-58
205.46
34
41.67
95-15
149-45
205.34
^1
41.46
94-95
149.29
205.21
36
41-23
94-77
149.12
205.05
37
40.96
94-59
148.99
204.93
38
40.67
94-35
148.79
204.77
39
40.32
94.09
148.57
204.54
40
39-95
93-78
148.32
204.33
41
39-56
93-49
148.08
204.09
42
39.18
93-18
147-82
203.87
43
38.71
92.83
147-54
203.61
44
38.18
92.42
147.18
203.31
45
37-68
92.02
146.86
203.02
46
37-04
91.52
146.48
202.68
47
36.41
91.04
146.08
202.30
48
35-70
90.50
145-64
201.94
49
34-91
89.88
145-15
201.50
50
34-IO
89.26
144-65
201.06
51
33-18
88.56
144-09
200.57
52
32.22
87.84
143-51
200.06
53
31.10
?$-92
142.86
199.49
54
30.01
86.18
142.19
198.93
55
28.77
85-25
141-47
198.30
56
27.40
84.23
140.69
197-63
57
25-97
83-17
139.88
196.97
58
24.38
82.02
139.00
196.22
59
22.72
80.81
138.10
195-50
60
20.90
79-50
137.12
194.69
5 Years.
264.19,
264.16
264.12
264.05
263.99
263.96
263.89
263.80
263.74
263.66
263.56
263.48
263.34
263.23
263.10
262.98
262.82
262.70
262.54
262.30
262.10
261.86
261.64
261.37
261.09
260.76
260.42
260.06
25968
259.25
258.81
258.33
25784
257.28
256.72
256.11
255-44
254.80
254.08
253-41
252.63
324
3'/2%
SELECT AND ULTIMATE.
MEAN RESERVES.
FIFTEEN YEAR ENDOWMENT.
Age. 6 Years. 7 Years. 8 Years. 9 Years. 10 Years.
20 324-11 386.30 450-87 517-98 587-76
21 324.07 386.23 450-80 517-88 587-66
22 324.03 386.18 450.73 517-82 587-59
23 323-96 386.12 450.65 517-73 587-50
24 323.88 386.04 450-58 517-65 587-40
25 323.84 385.96 450.49 517-55 587-30
26 323.77 385.90 450.41 517-45 587-17
27 323.68 385-78 450.29 517-32 587-03
28 323.62 385.72 450.21 517-21 586.90
29 323.52 385.61 450.06 51704 586.72
30 323.43 385.50 449-94 516.90 586.56
31 323.32 385.38 449-81 516.75 586.40
32 323.18 385.22 449.62 516.55 586.17
33 323-05 385-08 449-45 516.36 585-97
34 322.91 384.92 449.26 516.14 58572
35 322.78 384.76 449-08 515-91 58545
36 322.61 384.57 448.85 515-65 585-17
37 322.44 384-37 448.63 515-37 584-86
38 322.27 384.16 448.36 515.07 584.52
39 322.02 383-86 448.05 514-74 584-16
40 321-81 383.61 447.73 514.37 58374
41 321-55 38332 44740 513-97 58329
42 321.29 383.02 447-04 513-55 S>^^-^^
43 321.02 382.70 446.64 513-09 582.30
44 320.68 382.31 446.19 512.57 581.71
45 320.33 381.92 445-73 512.03 581.10
46 319-96 381-48 445-20 511-41 580.42
47 319-55 381.00 444-64 510.76 579-69
48 31913 380.50 444-05 510-07 57890
49 318.65 379.95 443-39 509-29 578-oi
50 3 '8. 16 379.37 442.70 508.47 577.og
51 317.64 378.74 441-94 50759 57608
52 317-09 37809 441-15 506.64 574-99
53 316-47 377-35 440.27 505-59 573-79
54 315-84 376-61 439-36 504-51 572.55
55 315-18 375-83 438.40 503-34 571-17
56 314-44 374-94 437-33 502.06 56().68
57 313-72 374-o6 43623 500.72 568.11
58 312.93 37312 43507 499.24 566.36
59 312.18 372.16 43384 40778 56463
ho 311-32 371-14 432-56 496-16 562.70
325
0]
1 / r^
SELECT AND ULTIMATE.
.f
/7%
TERMINAL RESERVES.
u
^Z /U
QIM]
FIFTEEN
YEAR ENDOWMENT.
Age
II Years.
12 Years.
13 Years.
14 Years.
15 Years.
20
660.39
736.07
814.97
897-26
983.09
21
660.31
735-99
814.91
897.22
983.09
22
660.22
735-91
814.83
897.17
983.09
23
660.12
735-81
814.75
897.12
983.09
24
660.01
735-71
814.67
897.06
983.09
25
659.90
735.60
814.57
897.00
983.09
26
659-78
735-48
814.47
896.95
983.09
27
659-63
735-34
814.36
896.87
983.09
28
659.49
735-21
814.24
896.79
983.09
29
65932
735.04
814.10
896.71
983.09
30
659-15
734.88
813.96
896.62
983-09
31
658.96
734.68
813.80
896.52
983.09
32
658-73
734.47
813.62
896.41
983-09
33
658.49
734-24
813.42
896.28
983.09
34
658.25
734.00
813.22
896.16
983.09
35
657-96
73372
812.98
896.01
983.09
36
657.67
733-44
812.75
895-86
983.09
?>7
657-34
733-12
812.47
895-59
983.09
38
656.98
732.77
812.17
895-49
983.09
39
656-59
732-38
811.84
895.29
983.09
40
656.15
731-95
81T.48
895.07
983.09
41
655.68
731-50
811.09
894.81
983.09
42
655-18
731.00
810.66
894.55
983.09
43
654.62
730.45
810.20
894.25
983.09
44
654.00
729.86
809.68
893.92
983.09
45
653-35
729.21
809.13
893-57
983.09
46
652.62
728.50
808.52
893.18
983.09
47
651.84
727-73
807.86
892.76
983.09
48
650.99
726.88
807.13
892.30
983.09
49
650.04
725.96
806.34
891.79
983.09
50
649-05
724.97
805.47
891.24
983.09
51
647-95
723-87
804.52
890.63
983.09
52
646.77
722.70
803.51
889.98
983.09
53
645-48
721.41
802.38
889.25
983.09
54
644-11
720.03
801.17
888.46
983.09
55
642.60
718.52
799.84
887.60
983.09
56
640.97
716.87
708.38
886.6s
983.09
57
639.22
715.10
706.82
885.62
983.09
58
637-33
713.17
795.10
884.49
983.09
59
. 635-33
711. TI
793.25
883.26
983.09
60
633-17
708.87
791.23
881.92
983.09
61
630.85
706.46
789.05
880.46
983.09
62
628.37
703.87
786.68
878.8s
983.09
63
625.76
701. TO
784.14
877-12
983.09
64
622.98
698.13
781.38
875-22
983.09
65
620.06
694.97
778.40
873.16
983.09
326
3'/29&
0[M]
SELECT AND ULTIMATE.
MEAN RESERVES.
TEN YEAR ENDOWMENT.
Age.
I Year.
2 Years.
3 Years.
4 Years.
5 Years.
20
77-32
164.24
253-53
346.02
442.04
21
77.28
164.19
25349
345.98
441.99
22
77.21
164.14
253-44
345-93
441.95
23
77.12
164.04
253.36
345-85
441.86
24
77.04
163.98
253-29
345-79
441.79
25
76.96
163.89
253-19
345-68
441.69
26
76.86
163.82
253-12
345.59
441.60
27
76.76
163.71
253-01
345-49
441.51
28
76.66
163.62
252.92
345.40
441.40
29
76.54
163.49
252.80
345.28
441.28
30
76.38
163.39
252.70
345.17
441.15
31
76.26
163.24
252.54
345.02
441.01
32
76.08
163.08
252.40
344-86
440.84
33
75.88
162.91
252.24
344-70
440.66
34
75-71
162.76
252.08
344-52
440.47
35
75-49
162.54
251.86
344.32
440.28
36
75.27
162.34
251.64
344-10
440.06
37
75.00
162.08
251.41
343-85
439-80
38
74-72
161.82
251.16
343-60
439.53
39
74.41
161.52
250.87
343-31
439.24
40
74.12
161.25
250.57
343-01
438.93
41
73-73
160.92
250.27
342.68
438.57
42
73-30
160.55
249.93
342.31
438.19
43
72.93
160.15
249.53
341.93
437-79
44
72.42
159-72
249-07
341.45
437.31
45
71.90
159.21
248.60
340.99
436.82
46
71.37
158.74
248.12
340.47
436.28
47
70.76
158.17
247-55
339-89
435.68
48
70.08
157.55
246.95
339.2^
435.04
49
69-35
156.86
246.29
338.61
434-33
50
68.55
156.13
245.58
337-^7
433.56
51
67.70
155.36
244.80
337-07
432.73
52
66.76
154.47
243-94
336.19
431.81
53
65.72
153.53
243.01
335.23
430.82
54
64.63
152.5^
242.01
334.21
429.75
55
6343
151.41
240.93
333. TO
428.57
5C>
62.09
150.20
239.7s
331.88
427.29
57
60.68
148.89
238.45
330.56
425.92
58
59.10
147.47
237.08
329-12
424.40
59
57-41
145.92
235-56
327-57
422.79
60
55.61
144.30
233.96
325-91
421.04
6r
53-66
142.51
232.21
324.10
419.12
62
51-52
140.57
230.34
322.17
417.09
63
49-23
138.50
228.32
320.10
414.89
^4
46.76
136.26
226. 1 7,
317-85
412.50
65
44.07
133-85
223.79
315-42
409.92
327
^'4%
QIM]
Age.
6 Years.
JO
541.83
21
541.78
22
541.72
23
541.62
24
541-56
25
541.47
26
541.39
27
541-29
28
541.17
29
541-05
30
540.91
31
540.76
32
540.61
33
540.41
34
540.23
35
540.03
36
539-79
37
539-54
38
539-27
39
538-97
40
538.65
41
538-29
42
537-90
43
537-49
44
537-00
4|
536.50
46
535.95
47
535-33
48
534-67
49
533-95
50
533-16
51
532-31
52
531.36
53
530.36
54
529-25
55
528.04
56
526.72
57
525-29
58
523-73
|9
522.05
60
520.24
61
518.24
62
516.12
63
513-81
64
S11.29
65
508.57
SELECT AND ULTIMATE.
MEAN RESERVES.
TEN YEAR ENDOWMENT.
7 Years. 8 Years. 9 Years. 10 Years.
645.59 7S3-S5 8O5.96 0S3.09
645.54 753.51 865.94 983.09
645.48 753.46 865.Q1 983.09
645.40 753.39 865.86 983.09
645.33 753.33 865.82 983.09
645.24 753.25 865.77 083.09
645.16 753.18 865.73 983-09
645.06 753.^0 865.68 983.09
644.94 753.00 865.62 983-09
644.83 752.90 865.55 983.09
644.71 752-80 865.49 983-09
644.56 752.67 865.41 983.09
644.41 752.54 865.33 983.09
64423 752.39 865.23 983.09
644.06 752.24 865.14 983.09
643.86 752.08 865.03 983.09
64363 75^.88 864.90 983.09
643.39 751.68 864.77 983.09
643.13 751-45 864.63 983.09
642.84 751-20 864.47 983.09
642.52 750.93 864.30 983.09
642.18 750.64 864.11 983.09
641.80 750.32 863.91 983.09
641.41 749.98 863.69 983.09
640.94 749.58 863.43 983.09
640.45 749.17 863.17 983.09
639.92 748.70 862.87 983.09
639.33 ■ 748.20 862.55 98309
638.69 747.65 862.20 983.09
637.99 747.03 861.80 983.09
637.22 746.38 861.38 983.09
636.40 74567 860.92 983.09
635.48 744.88 860.41 983.09
634.50 74402 859.86 983.09
633.42 74309 859.25 983.09
632.25 742.07 858.59 983.09
630.95 740.95 857.86 983.09
629.55 73972 857.06 983.09
628.0:
622.60
620. so
618.19
983.09
626.36 736.93 855.24 98^09
624.58 735.37 854.20 983.09
73362 853.06 983.09
731.76 851.81 983.09
, ^ 72970 850.45 983.09
615.67 727.45 848.95 983.09
612.95 72502 847.32 983.09
YD 05549