TABLA C.S.O.

80 - ANB
Anual
Edad Unismoker No smoker Smoker
más próxima H M H M H M
0 4.18 2.89 4.18 2.89 4.18 2.89
1 1.07 0.87 1.07 0.87 1.07 0.87
2 0.99 0.81 0.99 0.81 0.99 0.81
3 0.98 0.79 0.98 0.79 0.98 0.79
4 0.95 0.77 0.95 0.77 0.95 0.77
5 0.90 0.76 0.90 0.76 0.90 0.76
6 0.86 0.73 0.86 0.73 0.86 0.73
7 0.80 0.72 0.80 0.72 0.80 0.72
8 0.76 0.70 0.76 0.70 0.76 0.70
9 0.74 0.69 0.74 0.69 0.74 0.69
10 0.73 0.68 0.73 0.68 0.73 0.68
11 0.77 0.69 0.77 0.69 0.77 0.69
12 0.85 0.72 0.85 0.72 0.85 0.72
13 0.99 0.75 0.99 0.75 0.99 0.75
14 1.15 0.80 1.15 0.80 1.15 0.80
15 1.33 0.85 1.29 0.84 1.65 0.94
16 1.51 0.90 1.43 0.88 1.87 0.99
17 1.67 0.95 1.54 0.92 2.05 1.04
18 1.78 0.98 1.60 0.95 2.16 1.09
19 1.86 1.02 1.66 0.98 2.26 1.13
20 1.90 1.05 1.68 1.01 2.31 1.16
21 1.91 1.07 1.67 1.02 2.33 1.18
22 1.89 1.09 1.64 1.04 2.30 1.21
23 1.86 1.11 1.61 1.05 2.26 1.23
24 1.82 1.14 1.57 1.08 2.21 1.27
25 1.77 1.16 1.52 1.09 2.14 1.29
26 1.73 1.19 1.48 1.12 2.08 1.34
27 1.71 1.22 1.46 1.14 2.06 1.38
28 1.70 1.26 1.44 1.17 2.04 1.42
29 1.71 1.30 1.44 1.20 2.06 1.48
30 1.73 1.35 1.44 1.24 2.10 1.55
31 1.78 1.40 1.47 1.27 2.17 1.61
32 1.83 1.45 1.50 1.31 2.24 1.68
33 1.91 1.50 1.55 1.35 2.35 1.75
34 2.00 1.58 1.61 1.42 2.48 1.86
35 2.11 1.65 1.69 1.47 2.63 1.94
36 2.24 1.76 1.77 1.56 2.81 2.09
37 2.40 1.89 1.88 1.67 3.04 2.28
38 2.58 2.04 2.00 1.79 3.30 2.49
39 2.79 2.22 2.14 1.93 3.60 2.73
40 3.02 2.42 2.29 2.08 3.94 3.00
41 3.29 2.64 2.47 2.26 4.34 3.33
42 3.56 2.87 2.65 2.44 4.75 3.64
43 3.87 3.09 2.86 2.62 5.22 3.96
44 4.19 3.32 3.07 2.80 5.71 4.28
45 4.55 3.56 3.32 2.99 6.27 4.61
46 4.92 3.80 3.59 3.19 6.83 4.95
47 5.32 4.05 3.88 3.41 7.44 5.31
48 5.74 4.33 4.19 3.65 8.08 5.68
49 6.21 4.63 4.54 3.90 8.80 6.08
50 6.71 4.96 4.91 4.19 9.56 6.54
51 7.30 5.31 5.35 4.50 10.44 7.00
52 7.96 5.70 5.86 4.85 11.42 7.52
53 8.71 6.15 6.43 5.26 12.54 8.13
54 9.56 6.61 7.09 5.68 13.80 8.75
55 10.47 7.09 7.82 6.13 15.14 9.40
56 11.46 7.57 8.63 6.59 16.59 10.05
57 12.49 8.03 9.49 7.05 18.09 10.67
58 13.59 8.47 10.42 7.49 19.69 11.25
59 14.77 8.94 11.47 7.96 21.35 11.85
60 16.08 9.47 12.64 8.51 23.19 12.51
61 17.54 10.12 13.94 9.16 25.26 13.36
62 19.19 10.96 15.42 9.98 27.59 14.39
63 21.06 12.02 17.11 11.01 30.23 15.78
64 23.14 13.25 19.02 12.23 33.14 17.33
65 25.42 14.59 21.13 13.55 36.29 19.07
66 27.85 16.00 23.40 14.97 39.57 20.79
67 30.44 17.43 25.86 16.41 43.01 22.58
68 33.19 18.84 28.50 17.86 46.55 24.20
69 36.17 20.36 31.38 19.41 50.32 26.02
70 39.51 22.11 34.63 21.20 54.48 27.95
71 43.30 24.23 38.91 23.34 59.09 30.45
72 47.65 26.87 42.56 25.99 64.33 33.55
73 52.64 30.11 47.44 29.22 70.23 37.33
74 58.19 33.93 52.92 33.02 76.66 41.74
75 64.19 38.24 58.80 37.32 83.77 46.64
76 70.53 42.97 65.06 42.04 91.10 51.92
77 77.12 48.04 71.64 47.11 98.52 57.46
78 83.90 53.45 78.47 52.53 105.91 63.23
79 91.05 59.35 85.72 58.45 113.49 69.41
80 98.84 65.99 93.67 65.12 121.59 76.26
81 107.48 73.60 102.52 72.76 130.41 84.00
82 117.25 82.40 112.52 81.59 140.20 92.84
83 128.26 92.53 123.79 91.76 151.03 102.87
84 140.25 103.81 136.11 103.03 162.49 114.65
85 152.95 116.10 149.20 115.38 174.20 126.42
86 166.09 129.29 162.80 128.58 185.78 139.79
87 179.55 143.32 176.79 142.71 197.06 152.67
88 193.27 158.18 190.89 157.61 209.37 167.23
89 207.29 173.94 205.29 173.51 221.52 181.07
90 221.77 190.75 220.19 190.39 233.69 197.01
91 236.98 208.87 235.84 208.58 246.12 214.00
92 253.45 228.81 252.75 228.60 259.33 232.54
93 272.11 251.51 271.63 251.40 276.30 253.55
94 295.90 279.31 295.65 279.31 298.15 279.31
95 329.96 317.32 329.96 317.32 329.96 317.32
96 384.55 375.74 384.55 375.74 384.55 375.74
97 480.20 474.97 480.20 474.97 480.20 474.97
98 657.98 655.85 657.98 655.85 657.98 655.85
99 1,000.00 1,000.00 1000.00 1000.00 1000.00 1000.00
 TABLA CSO 80 HOMBRES - VALORES DE CONMUTACION AL 4 %

TABLA C.S.O. 80 ( hombre - unismoker ) - VALORES DE CONMUTACI 4.00%

CSO al 100% 80% Riesgo de Supervivenc x= 30 Riesgo de Fallecimiento
X vx q( x ; 0 ; 1 ) q( x ; 0 ; 1 ) p( x ; 1 ) l(x) d(x) D(x) N(x) S (x ) C(x) M(x) R(x) n= 10
0 1.000000 4.180000 3.3440 996.66 ### 33,440.00 10,000.00 ### 5,180,927.73 32.1538 757.7948 41,003.8556
1 0.961538 1.070000 0.8560 999.14 9,966,560.00 8,531.38 9,583.23 ### 4,940,635.98 7.8877 725.6410 40,246.0608 Valor actual biométrico p(x,n) A(x,0,1) = q(x,0,1) * vn Edad x = 30
2 0.924556 0.990000 0.7920 999.21 9,958,028.62 7,886.76 9,206.76 ### 4,710,344.22 7.0113 717.7532 39,520.4198
3 0.888996 0.980000 0.7840 999.22 9,950,141.87 7,800.91 8,845.64 ### 4,489,635.69 6.6683 710.7419 38,802.6665 p(x,n) = l(x+n) A(x,0,1) = d(x) * 1
4 0.854804 0.950000 0.7600 999.24 9,942,340.95 7,556.18 8,498.75 ### 4,278,133.92 6.2106 704.0737 38,091.9246 l(x) l(x) (1+i)n
5 0.821927 0.900000 0.7200 999.28 9,934,784.78 7,153.05 8,165.67 ### 4,075,477.79 5.6532 697.8631 37,387.8509
6 0.790315 0.860000 0.6880 999.31 9,927,631.73 6,830.21 7,845.95 ### 3,881,320.42 5.1904 692.2099 36,689.9879 p(x,n) = 9,498,692 A(x,0,1) = 13,373.07 * 0.96153846
7 0.759918 0.800000 0.6400 999.36 9,920,801.52 6,349.31 7,538.99 ### 3,695,328.71 4.6394 687.0195 35,997.7779 9,662,623 9,662,622.68
8 0.730690 0.760000 0.6080 999.39 9,914,452.21 6,027.99 7,244.39 ### 3,517,182.96 4.2352 682.3801 35,310.7584
9 0.702587 0.740000 0.5920 999.41 9,908,424.22 5,865.79 6,961.53 ### 3,346,576.20 3.9627 678.1449 34,628.3783 p(x,n) = 0.98303456 A(x,0,1) = 0.001384 * 0.96153846
10 0.675564 0.730000 0.5840 999.42 9,902,558.43 5,783.09 6,689.81 ### 3,183,213.83 3.7566 674.1822 33,950.2334
11 0.649581 0.770000 0.6160 999.38 9,896,775.34 6,096.41 6,428.76 ### 3,026,812.99 3.8078 670.4256 33,276.0511 A(x,0,1) = 0.0013
12 0.624597 0.850000 0.6800 999.32 9,890,678.93 6,725.66 6,177.69 ### 2,877,101.96 4.0393 666.6178 32,605.6255
13 0.600574 0.990000 0.7920 999.21 9,883,953.26 7,828.09 5,936.05 ### 2,733,819.69 4.5205 662.5786 31,939.0077 Valor actual financiero vn = 1 Con un capital de $100,000
14 0.577475 1.150000 0.9200 999.08 9,876,125.17 9,086.04 5,703.22 ### 2,596,715.11 5.0452 658.0581 31,276.4291 (1 + i)n la PPU de muerte A(x,0,1) = $133.08
15 0.555265 1.330000 1.0640 998.94 9,867,039.14 10,498.53 5,478.82 ### 2,465,546.58 5.6053 653.0129 30,618.3710 vn = 1
16 0.533908 1.510000 1.2080 998.79 9,856,540.61 11,906.70 5,262.49 ### 2,340,081.26 6.1126 647.4076 29,965.3581 1.48024428
17 0.513373 1.670000 1.3360 998.66 9,844,633.91 13,152.43 5,053.97 ### 2,220,094.76 6.4924 641.2951 29,317.9505
18 0.493628 1.780000 1.4240 998.58 9,831,481.48 14,000.03 4,853.10 ### 2,105,370.74 6.6450 634.8027 28,676.6554 vn = 0.67556417 edades plazos
19 0.474642 1.860000 1.4880 998.51 9,817,481.45 14,608.41 4,659.79 ### 1,995,700.70 6.6671 628.1576 28,041.8528 Edad inicial x 30
20 0.456387 1.900000 1.5200 998.48 9,802,873.03 14,900.37 4,473.90 ### 1,890,883.75 6.5388 621.4906 27,413.6951 Inicio del riesgo h 40 10
21 0.438834 1.910000 1.5280 998.47 9,787,972.67 14,956.02 4,295.29 95,683.25 1,790,726.60 6.3108 614.9518 26,792.2046 Valor actual actuarial E(x,n) Duración riesgo n 50 10
22 0.421955 1.890000 1.5120 998.49 9,773,016.64 14,776.80 4,123.78 91,387.96 1,695,043.35 5.9953 608.6410 26,177.2528
23 0.405726 1.860000 1.4880 998.51 9,758,239.84 14,520.26 3,959.17 87,264.18 1,603,655.39 5.6647 602.6457 25,568.6118 E(x,n) = p(x,n) * vn
24 0.390121 1.820000 1.4560 998.54 9,743,719.58 14,186.86 3,801.23 83,305.01 1,516,391.21 5.3217 596.9810 24,965.9661 Valor actual Valor actual
25 0.375117 1.770000 1.4160 998.58 9,729,532.73 13,777.02 3,649.71 79,503.77 1,433,086.20 4.9692 591.6593 24,368.9851 E(x,n) = l(x+n) * 1 riesgo plazo unitario $ 100,000
26 0.360689 1.730000 1.3840 998.62 9,715,755.71 13,446.61 3,504.37 75,854.06 1,353,582.43 4.6635 586.6901 23,777.3258 l(x) (1+i)n
27 0.346817 1.710000 1.3680 998.63 9,702,309.10 13,272.76 3,364.92 72,349.69 1,277,728.36 4.4262 582.0265 23,190.6358 A(x,0,n) inmediato limitado 0.032014 $ 3,201.4
28 0.333477 1.700000 1.3600 998.64 9,689,036.34 13,177.09 3,231.08 68,984.77 1,205,378.67 4.2253 577.6004 22,608.6092 E(x,n) = 9,498,692 * 0.67556417
29 0.320651 1.710000 1.3680 998.63 9,675,859.25 13,236.58 3,102.58 65,753.70 1,136,393.90 4.0811 573.3751 22,031.0089 9,662,623 A(x,0,w-x) inmediato ilimitado 0.191092 $ 19,109.2
30 0.308319 1.730000 1.3840 998.62 9,662,622.68 13,373.07 2,979.17 62,651.12 1,070,640.20 3.9646 569.2940 21,457.6337
31 0.296460 1.780000 1.4240 998.58 9,649,249.61 13,740.53 2,860.62 59,671.95 1,007,989.08 3.9168 565.3295 20,888.3397 E(x,n) = 0.66410292 A(x,h,n) diferido limitado 0.018484 $ 1,848.4
32 0.285058 1.830000 1.4640 998.54 9,635,509.08 14,106.39 2,746.68 56,811.33 948,317.13 3.8665 561.4126 20,323.0102
33 0.274094 1.910000 1.5280 998.47 9,621,402.69 14,701.50 2,637.17 54,064.65 891,505.80 3.8746 557.5461 19,761.5976 A(x,h,w-x) diferido ilimitado 0.177562 $ 17,756.2
34 0.263552 2.000000 1.6000 998.40 9,606,701.19 15,370.72 2,531.87 51,427.48 837,441.15 3.8952 553.6715 19,204.0515
35 0.253415 2.110000 1.6880 998.31 9,591,330.47 16,190.17 2,430.59 48,895.62 786,013.66 3.9450 549.7763 18,650.3800
36 0.243669 2.240000 1.7920 998.21 9,575,140.30 17,158.65 2,333.16 46,465.03 737,118.04 4.0202 545.8313 18,100.6036 Valor actual
37 0.234297 2.400000 1.9200 998.08 9,557,981.65 18,351.32 2,239.40 44,131.86 690,653.02 4.1343 541.8111 17,554.7723 Correspondiente a un Capital pagadero en el momento n en caso de llegar con vida
38 0.225285 2.580000 2.0640 997.94 9,539,630.33 19,689.80 2,149.14 41,892.46 646,521.15 4.2652 537.6768 17,012.9612 Capital Capital
39 0.216621 2.790000 2.2320 997.77 9,519,940.53 21,248.51 2,062.22 39,743.32 604,628.70 4.4258 533.4116 16,475.2844 Unitario $ 10,000
40 0.208289 3.020000 2.4160 997.58 9,498,692.02 22,948.84 1,978.47 37,681.10 564,885.38 4.5961 528.9858 15,941.8728 VA Biométrico 0.98303 $ 9,830
41 0.200278 3.290000 2.6320 997.37 9,475,743.18 24,940.16 1,897.78 35,702.63 527,204.27 4.8028 524.3896 15,412.8871
42 0.192575 3.560000 2.8480 997.15 9,450,803.02 26,915.89 1,819.99 33,804.85 491,501.64 4.9840 519.5868 14,888.4975 VA Financiero 0.67556 $ 6,756
43 0.185168 3.870000 3.0960 996.90 9,423,887.14 29,176.35 1,745.00 31,984.86 457,696.79 5.1947 514.6028 14,368.9107
44 0.178046 4.190000 3.3520 996.65 9,394,710.78 31,491.07 1,672.69 30,239.86 425,711.93 5.3912 509.4081 13,854.3079 VA Actuarial 0.66410 $ 6,641
45 0.171198 4.550000 3.6400 996.36 9,363,219.71 34,082.12 1,602.97 28,567.16 395,472.08 5.6104 504.0168 13,344.8999
46 0.164614 4.920000 3.9360 996.06 9,329,137.59 36,719.49 1,535.71 26,964.19 366,904.92 5.8121 498.4064 12,840.8831
47 0.158283 5.320000 4.2560 995.74 9,292,418.11 39,548.53 1,470.83 25,428.49 339,940.72 6.0191 492.5944 12,342.4766
48 0.152195 5.740000 4.5920 995.41 9,252,869.58 42,489.18 1,408.24 23,957.66 314,512.23 6.2179 486.5753 11,849.8822
49 0.146341 6.210000 4.9680 995.03 9,210,380.40 45,757.17 1,347.86 22,549.42 290,554.57 6.4386 480.3574 11,363.3069
50 0.140713 6.710000 5.3680 994.63 9,164,623.23 49,195.70 1,289.58 21,201.57 268,005.15 6.6562 473.9188 10,882.9495
51 0.135301 7.300000 5.8400 994.16 9,115,427.53 53,234.10 1,233.32 19,911.99 246,803.58 6.9256 467.2626 10,409.0307
52 0.130097 7.960000 6.3680 993.63 9,062,193.43 57,708.05 1,178.96 18,678.66 226,891.60 7.2189 460.3370 9,941.7682
53 0.125093 8.710000 6.9680 993.03 9,004,485.39 62,743.25 1,126.40 17,499.70 208,212.93 7.5469 453.1181 9,481.4312
54 0.120282 9.560000 7.6480 992.35 8,941,742.13 68,386.44 1,075.53 16,373.30 190,713.23 7.9093 445.5713 9,028.3131 Capitalización y actualización biométrica
55 0.115656 10.470000 8.3760 991.62 8,873,355.69 74,323.23 1,026.25 15,297.78 174,339.93 8.2653 437.6620 8,582.7418
56 0.111207 11.460000 9.1680 990.83 8,799,032.46 80,669.53 978.52 14,271.52 159,042.15 8.6260 429.3967 8,145.0798 x x+n
57 0.106930 12.490000 9.9920 990.01 8,718,362.93 87,113.88 932.25 13,293.01 144,770.63 8.9568 420.7707 7,715.6831 30 40 p(x,n) = l(x+n)
58 0.102817 13.590000 10.8720 989.13 8,631,249.05 93,838.94 887.44 12,360.75 131,477.62 9.2772 411.8139 7,294.9124 l(x)
59 0.098863 14.770000 11.8160 988.18 8,537,410.11 100,878.04 844.03 11,473.31 119,116.86 9.5895 402.5367 6,883.0985
60 0.095060 16.080000 12.8640 987.14 8,436,532.07 108,527.55 801.98 10,629.28 107,643.55 9.9199 392.9472 6,480.5618 0 n p(x,n) = 9498692
61 0.091404 17.540000 14.0320 985.97 8,328,004.52 116,858.56 761.21 9,827.30 97,014.27 10.2705 383.0273 6,087.6146 9662622.68
62 0.087889 19.190000 15.3520 984.65 8,211,145.96 126,057.51 721.67 9,066.08 87,186.98 10.6529 372.7568 5,704.5873 capitalizació $1 p(x,n)-1
63 0.084508 21.060000 16.8480 983.15 8,085,088.45 136,217.57 683.26 8,344.42 78,120.89 11.0688 362.1039 5,331.8305 = $ 1.02 p(x,n) = 0.98303
64 0.081258 23.140000 18.5120 981.49 7,948,870.88 147,149.50 645.91 7,661.16 69,776.48 11.4972 351.0351 4,969.7266 $10,000 $10,173
65 0.078133 25.420000 20.3360 979.66 7,801,721.38 158,655.81 609.57 7,015.25 62,115.32 11.9194 339.5379 4,618.6915
66 0.075128 27.850000 22.2800 977.72 7,643,065.58 170,287.50 574.21 6,405.68 55,100.07 12.3012 327.6185 4,279.1536
67 0.072238 30.440000 24.3520 975.65 7,472,778.08 181,977.09 539.82 5,831.47 48,694.39 12.6401 315.3172 3,951.5351
68 0.069460 33.190000 26.5520 973.45 7,290,800.98 193,585.35 506.42 5,291.66 42,862.91 12.9292 302.6772 3,636.2179 actualizació p(x,n) $1
69 0.066788 36.170000 28.9360 971.06 7,097,215.64 205,365.03 474.01 4,785.24 37,571.26 13.1884 289.7479 3,333.5408 $ 0.98 =
70 0.064219 39.510000 31.6080 968.39 6,891,850.60 217,837.61 442.59 4,311.23 32,786.02 13.4513 276.5595 3,043.7928 $9,830 $10,000
71 0.061749 43.300000 34.6400 965.36 6,674,012.99 231,187.81 412.12 3,868.64 28,474.79 13.7266 263.1082 2,767.2333
72 0.059374 47.650000 38.1200 961.88 6,442,825.18 245,600.50 382.54 3,456.52 24,606.15 14.0215 249.3815 2,504.1251
73 0.057091 52.640000 42.1120 957.89 6,197,224.69 260,977.53 353.80 3,073.98 21,149.63 14.3264 235.3600 2,254.7436
74 0.054895 58.190000 46.5520 953.45 5,936,247.16 276,344.18 325.87 2,720.18 18,075.65 14.5865 221.0336 2,019.3836
75 0.052784 64.190000 51.3520 948.65 5,659,902.98 290,647.34 298.75 2,394.31 15,355.47 14.7514 206.4472 1,798.3500
76 0.050754 70.530000 56.4240 943.58 5,369,255.64 302,954.88 272.51 2,095.56 12,961.16 14.7846 191.6958 1,591.9028
77 0.048801 77.120000 61.6960 938.30 5,066,300.76 312,570.49 247.24 1,823.05 10,865.60 14.6672 176.9112 1,400.2070
78 0.046924 83.900000 67.1200 932.88 4,753,730.27 319,070.38 223.07 1,575.81 9,042.55 14.3964 162.2439 1,223.2958
79 0.045120 91.050000 72.8400 927.16 4,434,659.90 323,020.63 200.09 1,352.74 7,466.75 14.0140 147.8476 1,061.0519
80 0.043384 98.840000 79.0720 920.93 4,111,639.27 325,115.54 178.38 1,152.65 6,114.01 13.5624 133.8336 913.2043
81 0.041716 107.480000 85.9840 914.02 3,786,523.73 325,580.46 157.96 974.27 4,961.36 13.0594 120.2711 779.3708
82 0.040111 117.250000 93.8000 906.20 3,460,943.27 324,636.48 138.82 816.31 3,987.09 12.5207 107.2117 659.0996
83 0.038569 128.260000 102.6080 897.39 3,136,306.79 321,810.17 120.96 677.49 3,170.78 11.9344 94.6909 551.8879
84 0.037085 140.250000 112.2000 887.80 2,814,496.63 315,786.52 104.38 556.53 2,493.30 11.2606 82.7566 457.1970
85 0.035659 152.950000 122.3600 877.64 2,498,710.10 305,742.17 89.10 452.15 1,936.77 10.4831 71.4960 374.4404
86 0.034287 166.090000 132.8720 867.13 2,192,967.94 291,384.04 75.19 363.05 1,484.62 9.6065 61.0130 302.9444
87 0.032969 179.550000 143.6400 856.36 1,901,583.90 273,143.51 62.69 287.86 1,121.57 8.6588 51.4065 241.9314
88 0.031701 193.270000 154.6160 845.38 1,628,440.39 251,782.94 51.62 225.16 833.72 7.6747 42.7477 190.5249
89 0.030481 207.290000 165.8320 834.17 1,376,657.45 228,293.86 41.96 173.54 608.55 6.6910 35.0730 147.7773
90 0.029309 221.770000 177.4160 822.58 1,148,363.59 203,738.07 33.66 131.58 435.01 5.7417 28.3820 112.7042
91 0.028182 236.980000 189.5840 810.42 944,625.52 179,085.88 26.62 97.92 303.43 4.8528 22.6403 84.3223
92 0.027098 253.450000 202.7600 797.24 765,539.63 155,220.82 20.74 71.30 205.50 4.0444 17.7875 61.6820
93 0.026056 272.110000 217.6880 782.31 610,318.82 132,859.08 15.90 50.56 134.20 3.3286 13.7431 43.8945
94 0.025053 295.900000 236.7200 763.28 477,459.73 113,024.27 11.96 34.66 83.64 2.7227 10.4146 30.1513
95 0.024090 329.960000 263.9680 736.03 364,435.47 96,199.30 8.78 22.69 48.99 2.2283 7.6918 19.7368
96 0.023163 384.550000 307.6400 692.36 268,236.16 82,520.17 6.21 13.91 26.30 1.8379 5.4635 12.0449
97 0.022272 480.200000 384.1600 615.84 185,715.99 71,344.66 4.14 7.70 12.38 1.5279 3.6256 6.5814
98 0.021416 657.980000 526.3840 473.62 114,371.34 60,203.24 2.45 3.56 4.68 1.2397 2.0977 2.9558
99 0.020592 1000.000000 800.0000 200.00 54,168.09 43,334.48 1.12 1.12 1.12 0.8580 0.8580 0.8580
100 0.019800 1,000.0000

Page 2
TABLA C.S.O. 80 ( hombre - no fumador ) - VALORES DE CONMUTACI 4.00%
CSO al 100% 80%
X vx
q( x ; 0 ; 1 ) q( x ; 0 ; 1 ) p( x ; 1 ) l(x) d(x) D(x) N(x)
0 1.000000 4.180000 3.3440 996.66 ### 33,440.00 10,000.00 241,591.26
1 0.961538 1.070000 0.8560 999.14 9,966,560.00 8,531.38 9,583.23 231,591.26
2 0.924556 0.990000 0.7920 999.21 9,958,028.62 7,886.76 9,206.76 222,008.03
3 0.888996 0.980000 0.7840 999.22 9,950,141.87 7,800.91 8,845.64 212,801.27
4 0.854804 0.950000 0.7600 999.24 9,942,340.95 7,556.18 8,498.75 203,955.63
5 0.821927 0.900000 0.7200 999.28 9,934,784.78 7,153.05 8,165.67 195,456.88
6 0.790315 0.860000 0.6880 999.31 9,927,631.73 6,830.21 7,845.95 187,291.21
7 0.759918 0.800000 0.6400 999.36 9,920,801.52 6,349.31 7,538.99 179,445.26
8 0.730690 0.760000 0.6080 999.39 9,914,452.21 6,027.99 7,244.39 171,906.27
9 0.702587 0.740000 0.5920 999.41 9,908,424.22 5,865.79 6,961.53 164,661.87
10 0.675564 0.730000 0.5840 999.42 9,902,558.43 5,783.09 6,689.81 157,700.34
11 0.649581 0.770000 0.6160 999.38 9,896,775.34 6,096.41 6,428.76 151,010.53
12 0.624597 0.850000 0.6800 999.32 9,890,678.93 6,725.66 6,177.69 144,581.77
13 0.600574 0.990000 0.7920 999.21 9,883,953.26 7,828.09 5,936.05 138,404.09
14 0.577475 1.150000 0.9200 999.08 9,876,125.17 9,086.04 5,703.22 132,468.04
15 0.555265 1.290000 1.0320 998.97 9,867,039.14 10,182.78 5,478.82 126,764.82
16 0.533908 1.430000 1.1440 998.86 9,856,856.35 11,276.24 5,262.66 121,286.01
17 0.513373 1.540000 1.2320 998.77 9,845,580.11 12,129.75 5,054.46 116,023.35
18 0.493628 1.600000 1.2800 998.72 9,833,450.35 12,586.82 4,854.07 110,968.89
19 0.474642 1.660000 1.3280 998.67 9,820,863.54 13,042.11 4,661.40 106,114.83
20 0.456387 1.680000 1.3440 998.66 9,807,821.43 13,181.71 4,476.16 101,453.43
21 0.438834 1.670000 1.3360 998.66 9,794,639.72 13,085.64 4,298.22 96,977.27
22 0.421955 1.640000 1.3120 998.69 9,781,554.08 12,833.40 4,127.38 92,679.05
23 0.405726 1.610000 1.2880 998.71 9,768,720.68 12,582.11 3,963.43 88,551.67
24 0.390121 1.570000 1.2560 998.74 9,756,138.57 12,253.71 3,806.08 84,588.24
25 0.375117 1.520000 1.2160 998.78 9,743,884.86 11,848.56 3,655.09 80,782.16
26 0.360689 1.480000 1.1840 998.82 9,732,036.30 11,522.73 3,510.24 77,127.07
27 0.346817 1.460000 1.1680 998.83 9,720,513.56 11,353.56 3,371.24 73,616.83
28 0.333477 1.440000 1.1520 998.85 9,709,160.00 11,184.95 3,237.79 70,245.59
29 0.320651 1.440000 1.1520 998.85 9,697,975.05 11,172.07 3,109.67 67,007.81
30 0.308319 1.440000 1.1520 998.85 9,686,802.99 11,159.20 2,986.62 63,898.14
31 0.296460 1.470000 1.1760 998.82 9,675,643.79 11,378.56 2,868.44 60,911.51
32 0.285058 1.500000 1.2000 998.80 9,664,265.23 11,597.12 2,754.88 58,043.07
33 0.274094 1.550000 1.2400 998.76 9,652,668.11 11,969.31 2,645.74 55,288.19
34 0.263552 1.610000 1.2880 998.71 9,640,698.80 12,417.22 2,540.83 52,642.45
35 0.253415 1.690000 1.3520 998.65 9,628,281.58 13,017.44 2,439.96 50,101.63
36 0.243669 1.770000 1.4160 998.58 9,615,264.15 13,615.21 2,342.94 47,661.67
37 0.234297 1.880000 1.5040 998.50 9,601,648.93 14,440.88 2,249.64 45,318.73
38 0.225285 2.000000 1.6000 998.40 9,587,208.05 15,339.53 2,159.86 43,069.10
39 0.216621 2.140000 1.7120 998.29 9,571,868.52 16,387.04 2,073.46 40,909.24
40 0.208289 2.290000 1.8320 998.17 9,555,481.48 17,505.64 1,990.30 38,835.77
41 0.200278 2.470000 1.9760 998.02 9,537,975.84 18,847.04 1,910.25 36,845.47
42 0.192575 2.650000 2.1200 997.88 9,519,128.80 20,180.55 1,833.15 34,935.23
43 0.185168 2.860000 2.2880 997.71 9,498,948.25 21,733.59 1,758.90 33,102.08
44 0.178046 3.070000 2.4560 997.54 9,477,214.65 23,276.04 1,687.38 31,343.18
45 0.171198 3.320000 2.6560 997.34 9,453,938.61 25,109.66 1,618.50 29,655.79
46 0.164614 3.590000 2.8720 997.13 9,428,828.95 27,079.60 1,552.12 28,037.30
47 0.158283 3.880000 3.1040 996.90 9,401,749.36 29,183.03 1,488.13 26,485.18
48 0.152195 4.190000 3.3520 996.65 9,372,566.33 31,416.84 1,426.46 24,997.05
49 0.146341 4.540000 3.6320 996.37 9,341,149.48 33,927.05 1,366.99 23,570.59
50 0.140713 4.910000 3.9280 996.07 9,307,222.43 36,558.77 1,309.64 22,203.60
51 0.135301 5.350000 4.2800 995.72 9,270,663.66 39,678.44 1,254.33 20,893.95
52 0.130097 5.860000 4.6880 995.31 9,230,985.22 43,274.86 1,200.92 19,639.63
53 0.125093 6.430000 5.1440 994.86 9,187,710.36 47,261.58 1,149.32 18,438.71
54 0.120282 7.090000 5.6720 994.33 9,140,448.78 51,844.63 1,099.43 17,289.39
55 0.115656 7.820000 6.2560 993.74 9,088,604.15 56,858.31 1,051.15 16,189.96
56 0.111207 8.630000 6.9040 993.10 9,031,745.84 62,355.17 1,004.40 15,138.81
57 0.106930 9.490000 7.5920 992.41 8,969,390.67 68,095.61 959.10 14,134.42
58 0.102817 10.420000 8.3360 991.66 8,901,295.06 74,201.20 915.21 13,175.32
59 0.098863 11.470000 9.1760 990.82 8,827,093.86 80,997.41 872.67 12,260.11
60 0.095060 12.640000 10.1120 989.89 8,746,096.45 88,440.53 831.41 11,387.44
61 0.091404 13.940000 11.1520 988.85 8,657,655.92 96,550.18 791.35 10,556.03
62 0.087889 15.420000 12.3360 987.66 8,561,105.74 105,609.80 752.42 9,764.69
63 0.084508 17.110000 13.6880 986.31 8,455,495.94 115,738.83 714.56 9,012.26
64 0.081258 19.020000 15.2160 984.78 8,339,757.11 126,897.74 677.67 8,297.70
65 0.078133 21.130000 16.9040 983.10 8,212,859.37 138,830.17 641.69 7,620.03
66 0.075128 23.400000 18.7200 981.28 8,074,029.19 151,145.83 606.58 6,978.34
67 0.072238 25.860000 20.6880 979.31 7,922,883.37 163,908.61 572.33 6,371.75
68 0.069460 28.500000 22.8000 977.20 7,758,974.76 176,904.62 538.94 5,799.42
69 0.066788 31.380000 25.1040 974.90 7,582,070.13 190,340.29 506.39 5,260.48
70 0.064219 34.630000 27.7040 972.30 7,391,729.84 204,780.48 474.69 4,754.09
71 0.061749 38.910000 31.1280 968.87 7,186,949.36 223,715.36 443.79 4,279.40
72 0.059374 42.560000 34.0480 965.95 6,963,234.00 237,084.19 413.44 3,835.61
73 0.057091 47.440000 37.9520 962.05 6,726,149.81 255,270.84 384.00 3,422.17
74 0.054895 52.920000 42.3360 957.66 6,470,878.97 273,951.13 355.22 3,038.17
75 0.052784 58.800000 47.0400 952.96 6,196,927.84 291,503.49 327.10 2,682.95
76 0.050754 65.060000 52.0480 947.95 5,905,424.35 307,365.53 299.72 2,355.85
77 0.048801 71.640000 57.3120 942.69 5,598,058.83 320,835.95 273.19 2,056.13
78 0.046924 78.470000 62.7760 937.22 5,277,222.88 331,282.94 247.63 1,782.94
79 0.045120 85.720000 68.5760 931.42 4,945,939.94 339,172.78 223.16 1,535.31
80 0.043384 93.670000 74.9360 925.06 4,606,767.16 345,212.70 199.86 1,312.15
81 0.041716 102.520000 82.0160 917.98 4,261,554.46 349,515.65 177.77 1,112.29
82 0.040111 112.520000 90.0160 909.98 3,912,038.81 352,146.09 156.92 934.51
83 0.038569 123.790000 99.0320 900.97 3,559,892.72 352,543.30 137.30 777.60
84 0.037085 136.110000 108.8880 891.11 3,207,349.42 349,241.86 118.94 640.30
85 0.035659 149.200000 119.3600 880.64 2,858,107.56 341,143.72 101.92 521.35
86 0.034287 162.800000 130.2400 869.76 2,516,963.84 327,809.37 86.30 419.44
87 0.032969 176.790000 141.4320 858.57 2,189,154.47 309,616.50 72.17 333.14
88 0.031701 190.890000 152.7120 847.29 1,879,537.98 287,028.00 59.58 260.96
89 0.030481 205.290000 164.2320 835.77 1,592,509.97 261,541.10 48.54 201.38
90 0.029309 220.190000 176.1520 823.85 1,330,968.87 234,452.83 39.01 152.84
91 0.028182 235.840000 188.6720 811.33 1,096,516.05 206,881.88 30.90 113.83
92 0.027098 252.750000 202.2000 797.80 889,634.17 179,884.03 24.11 82.93
 93 0.026056 271.630000 217.3040 782.70 709,750.14 154,231.54 18.49 58.82
94 0.025053 295.650000 236.5200 763.48 555,518.60 131,391.26 13.92 40.33
95 0.024090 329.960000 263.9680 736.03 424,127.34 111,956.05 10.22 26.41
96 0.023163 384.550000 307.6400 692.36 312,171.29 96,036.38 7.23 16.19
97 0.022272 480.200000 384.1600 615.84 216,134.92 83,030.39 4.81 8.96
98 0.021416 657.980000 526.3840 473.62 133,104.53 70,064.09 2.85 4.15
99 0.020592 1000.000000 800.0000 200.00 63,040.43 50,432.35 1.30 1.30
100 0.019800 1000.000000 1,000.0000 0.00
 Riesgo de Supervivencia x=
C(x) M(x) R(x) n=
32.1538 707.7787 39,186.0811
7.8877 675.6249 38,478.3023 Valor actual biométrico p(x,n)
7.0113 667.7372 37,802.6775
6.6683 660.7259 37,134.9403 p(x,n) = l(x+n)
6.2106 654.0576 36,474.2144 l(x)
5.6532 647.8470 35,820.1568
5.1904 642.1938 35,172.3098 p(x,n) = 9,088,604
4.6394 637.0034 34,530.1160 9,307,222
4.2352 632.3640 33,893.1126
3.9627 628.1289 33,260.7485 p(x,n) = 0.9765109
3.7566 624.1661 32,632.6197
3.8078 620.4096 32,008.4535
4.0393 616.6018 31,388.0440
4.5205 612.5625 30,771.4422 Valor actual financiero vn =
5.0452 608.0420 30,158.8797
5.4367 602.9968 29,550.8377 vn = 1
5.7889 597.5601 28,947.8409 1.2166529
5.9876 591.7712 28,350.2808
5.9742 585.7836 27,758.5095 vn = 0.82192711
5.9522 579.8094 27,172.7259
5.7846 573.8572 26,592.9165
5.5216 568.0726 26,019.0594 Valor actual actuarial E(x,n)
5.2068 562.5510 25,450.9868
4.9086 557.3442 24,888.4358 E(x,n) = p(x,n) * vn
4.5966 552.4356 24,331.0916
4.2736 547.8390 23,778.6560 E(x,n) = l(x+n) *
3.9963 543.5654 23,230.8169 l(x)
3.7862 539.5691 22,687.2515
3.5865 535.7830 22,147.6824 E(x,n) = 9,088,604 *
3.4446 532.1965 21,611.8994 9,307,222
3.3083 528.7519 21,079.7029
3.2435 525.4437 20,550.9510 E(x,n) = 0.80262078
3.1787 522.2001 20,025.5073
3.1545 519.0214 19,503.3072
3.1467 515.8669 18,984.2858
3.1719 512.7202 18,468.4189
3.1900 509.5482 17,955.6987 Valor actual
3.2533 506.3582 17,446.1505 Correspondiente a un Capital pagadero en el momento n en ca
3.3229 503.1049 16,939.7922 Capital
3.4132 499.7821 16,436.6873 Unitario
3.5060 496.3688 15,936.9052 VA Biométrico 0.97651
3.6295 492.8628 15,440.5364
3.7368 489.2334 14,947.6736 VA Financiero 0.82193
3.8696 485.4966 14,458.4403
 3.9848 481.6270 13,972.9437 VA Actuarial 0.80262
4.1334 477.6421 13,491.3167
4.2862 473.5088 13,013.6746
4.4415 469.2225 12,540.1658
4.5976 464.7810 12,070.9433
4.7740 460.1834 11,606.1623
4.9464 455.4095 11,145.9788
5.1620 450.4631 10,690.5694
5.4134 445.3010 10,240.1063
5.6847 439.8876 9,794.8053
5.9961 434.2029 9,354.9177
6.3231 428.2068 8,920.7147
6.6676 421.8838 8,492.5079
7.0014 415.2161 8,070.6241
7.3357 408.2147 7,655.4080
7.6996 400.8790 7,247.1933
8.0838 393.1793 6,846.3143
8.4857 385.0955 6,453.1350
8.9249 376.6098 6,068.0395
9.4047 367.6849 5,691.4297
9.9149 358.2802 5,323.7448
10.4300 348.3653 4,965.4646
10.9185 337.9354 4,617.0993
11.3850 327.0169 4,279.1639
11.8151 315.6318 3,952.1470
12.2235 303.8167 3,636.5152
12.6451 291.5931 3,332.6985
13.2830 278.9481 3,041.1054
13.5353 265.6651 2,762.1573
14.0131 252.1298 2,496.4922
14.4601 238.1167 2,244.3624
14.7948 223.6565 2,006.2458
14.9999 208.8617 1,782.5892
15.0551 193.8618 1,573.7276
14.9474 178.8067 1,379.8657
14.7148 163.8594 1,201.0590
14.4008 149.1446 1,037.1996
14.0195 134.7438 888.0551
13.5817 120.7243 753.3113
13.0741 107.1425 632.5870
12.4535 94.0684 525.4445
11.6969 81.6149 431.3760
10.8074 69.9180 349.7612
9.8150 59.1106 279.8431
8.7490 49.2956 220.7325
7.6655 40.5466 171.4369
6.6073 32.8812 130.8903
5.6060 26.2739 98.0091
4.6870 20.6679 71.7352
3.8640 15.9809 51.0673
3.1652 12.1169 35.0864
2.5933 8.9517 22.9695
2.1390 6.3584 14.0178
1.7782 4.2195 7.6594
1.4428 2.4413 3.4399
0.9986 0.9986 0.9986
 50
5

p(x,n) Edad inicial

Inicio del ri
Duración rie

1
(1 + i)n

1
(1+i)n

0.8219271

pagadero en el momento n en caso de llegar con vida

Capital
$ 10,000
$ 9,765

$ 8,219
$ 8,026
 edades plazos
x 30
h 30 0
n 31 1
TABLA C.S.O. 80 ( hombre - fumador ) - VALORES DE CONMUTA 4.00%
CSO al 100% 80%
X v x
q( x ; 0 ; 1 )q( x ; 0 ; 1 ) p( x ; 1 ) l(x) d(x) D(x) N(x)
0 1.000000 4.180000 3.3440 996.66 ### 33,440.00 10,000.00 237,976.80
1 0.961538 1.070000 0.8560 999.14 9,966,560.00 8,531.38 9,583.23 227,976.80
2 0.924556 0.990000 0.7920 999.21 9,958,028.62 7,886.76 9,206.76 218,393.57
3 0.888996 0.980000 0.7840 999.22 9,950,141.87 7,800.91 8,845.64 209,186.81
4 0.854804 0.950000 0.7600 999.24 9,942,340.95 7,556.18 8,498.75 200,341.17
5 0.821927 0.900000 0.7200 999.28 9,934,784.78 7,153.05 8,165.67 191,842.42
6 0.790315 0.860000 0.6880 999.31 9,927,631.73 6,830.21 7,845.95 183,676.75
7 0.759918 0.800000 0.6400 999.36 9,920,801.52 6,349.31 7,538.99 175,830.79
8 0.730690 0.760000 0.6080 999.39 9,914,452.21 6,027.99 7,244.39 168,291.80
9 0.702587 0.740000 0.5920 999.41 9,908,424.22 5,865.79 6,961.53 161,047.41
10 0.675564 0.730000 0.5840 999.42 9,902,558.43 5,783.09 6,689.81 154,085.88
11 0.649581 0.770000 0.6160 999.38 9,896,775.34 6,096.41 6,428.76 147,396.07
12 0.624597 0.850000 0.6800 999.32 9,890,678.93 6,725.66 6,177.69 140,967.31
13 0.600574 0.990000 0.7920 999.21 9,883,953.26 7,828.09 5,936.05 134,789.62
14 0.577475 1.150000 0.9200 999.08 9,876,125.17 9,086.04 5,703.22 128,853.58
15 0.555265 1.650000 1.3200 998.68 9,867,039.14 13,024.49 5,478.82 123,150.36
16 0.533908 1.870000 1.4960 998.50 9,854,014.65 14,741.61 5,261.14 117,671.54
17 0.513373 2.050000 1.6400 998.36 9,839,273.04 16,136.41 5,051.22 112,410.40
18 0.493628 2.160000 1.7280 998.27 9,823,136.63 16,974.38 4,848.98 107,359.18
19 0.474642 2.260000 1.8080 998.19 9,806,162.25 17,729.54 4,654.42 102,510.21
20 0.456387 2.310000 1.8480 998.15 9,788,432.71 18,089.02 4,467.31 97,855.79
21 0.438834 2.330000 1.8640 998.14 9,770,343.69 18,211.92 4,287.56 93,388.47
22 0.421955 2.300000 1.8400 998.16 9,752,131.77 17,943.92 4,114.96 89,100.92
23 0.405726 2.260000 1.8080 998.19 9,734,187.84 17,599.41 3,949.42 84,985.95
24 0.390121 2.210000 1.7680 998.23 9,716,588.43 17,178.93 3,790.65 81,036.54
25 0.375117 2.140000 1.7120 998.29 9,699,409.50 16,605.39 3,638.41 77,245.89
26 0.360689 2.080000 1.6640 998.34 9,682,804.11 16,112.19 3,492.48 73,607.48
27 0.346817 2.060000 1.6480 998.35 9,666,691.93 15,930.71 3,352.57 70,114.99
28 0.333477 2.040000 1.6320 998.37 9,650,761.22 15,750.04 3,218.31 66,762.42
29 0.320651 2.060000 1.6480 998.35 9,635,011.18 15,878.50 3,089.48 63,544.11
30 0.308319 2.100000 1.6800 998.32 9,619,132.68 16,160.14 2,965.76 60,454.63
31 0.296460 2.170000 1.7360 998.26 9,602,972.54 16,670.76 2,846.90 57,488.87
32 0.285058 2.240000 1.7920 998.21 9,586,301.78 17,178.65 2,732.65 54,641.98
33 0.274094 2.350000 1.8800 998.12 9,569,123.12 17,989.95 2,622.84 51,909.32
34 0.263552 2.480000 1.9840 998.02 9,551,133.17 18,949.45 2,517.22 49,286.48
35 0.253415 2.630000 2.1040 997.90 9,532,183.72 20,055.71 2,415.60 46,769.26
36 0.243669 2.810000 2.2480 997.75 9,512,128.01 21,383.26 2,317.81 44,353.66
37 0.234297 3.040000 2.4320 997.57 9,490,744.75 23,081.49 2,223.65 42,035.85
38 0.225285 3.300000 2.6400 997.36 9,467,663.25 24,994.63 2,132.93 39,812.20
39 0.216621 3.600000 2.8800 997.12 9,442,668.62 27,194.89 2,045.48 37,679.27
40 0.208289 3.940000 3.1520 996.85 9,415,473.74 29,677.57 1,961.14 35,633.80
41 0.200278 4.340000 3.4720 996.53 9,385,796.16 32,587.48 1,879.77 33,672.66
42 0.192575 4.750000 3.8000 996.20 9,353,208.68 35,542.19 1,801.19 31,792.89
43 0.185168 5.220000 4.1760 995.82 9,317,666.49 38,910.58 1,725.34 29,991.69
44 0.178046 5.710000 4.5680 995.43 9,278,755.91 42,385.36 1,652.05 28,266.36
45 0.171198 6.270000 5.0160 994.98 9,236,370.56 46,329.63 1,581.25 26,614.31
46 0.164614 6.830000 5.4640 994.54 9,190,040.92 50,214.38 1,512.81 25,033.06
47 0.158283 7.440000 5.9520 994.05 9,139,826.54 54,400.25 1,446.68 23,520.25
48 0.152195 8.080000 6.4640 993.54 9,085,426.29 58,728.20 1,382.75 22,073.58
49 0.146341 8.800000 7.0400 992.96 9,026,698.09 63,547.95 1,320.98 20,690.82
50 0.140713 9.560000 7.6480 992.35 8,963,150.14 68,550.17 1,261.23 19,369.84
51 0.135301 ### 8.3520 991.65 8,894,599.97 74,287.70 1,203.44 18,108.62
52 0.130097 ### 9.1360 990.86 8,820,312.27 80,582.37 1,147.49 16,905.17
53 0.125093 ### 10.0320 989.97 8,739,729.90 87,676.97 1,093.28 15,757.68
54 0.120282 ### 11.0400 988.96 8,652,052.92 95,518.66 1,040.68 14,664.40
55 0.115656 ### 12.1120 987.89 8,556,534.26 103,636.74 989.61 13,623.71
56 0.111207 ### 13.2720 986.73 8,452,897.52 112,186.86 940.02 12,634.10
57 0.106930 ### 14.4720 985.53 8,340,710.66 120,706.76 891.87 11,694.08
58 0.102817 ### 15.7520 984.25 8,220,003.90 129,481.50 845.16 10,802.21
59 0.098863 ### 17.0800 982.92 8,090,522.40 138,186.12 799.85 9,957.05
60 0.095060 ### 18.5520 981.45 7,952,336.27 147,531.74 755.95 9,157.20
61 0.091404 ### 20.2080 979.79 7,804,804.53 157,719.49 713.39 8,401.25
62 0.087889 ### 22.0720 977.93 7,647,085.04 168,786.46 672.09 7,687.85
63 0.084508 ### 24.1840 975.82 7,478,298.58 180,855.17 631.98 7,015.76
64 0.081258 ### 26.5120 973.49 7,297,443.41 193,469.82 592.98 6,383.78
65 0.078133 ### 29.0320 970.97 7,103,973.59 206,242.56 555.05 5,790.81
66 0.075128 ### 31.6560 968.34 6,897,731.03 218,354.57 518.21 5,235.75
67 0.072238 ### 34.4080 965.59 6,679,376.45 229,823.98 482.51 4,717.54
68 0.069460 ### 37.2400 962.76 6,449,552.47 240,181.33 447.98 4,235.04
69 0.066788 ### 40.2560 959.74 6,209,371.13 249,964.44 414.71 3,787.05
70 0.064219 ### 43.5840 956.42 5,959,406.69 259,734.78 382.71 3,372.34
71 0.061749 ### 47.2720 952.73 5,699,671.91 269,434.89 351.95 2,989.63
72 0.059374 ### 51.4640 948.54 5,430,237.02 279,461.72 322.42 2,637.68
73 0.057091 ### 56.1840 943.82 5,150,775.30 289,391.16 294.06 2,315.26
74 0.054895 ### 61.3280 938.67 4,861,384.14 298,138.97 266.87 2,021.20
75 0.052784 ### 67.0160 932.98 4,563,245.17 305,810.44 240.86 1,754.34
76 0.050754 ### 72.8800 927.12 4,257,434.74 310,281.84 216.08 1,513.47
77 0.048801 ### 78.8160 921.18 3,947,152.89 311,098.80 192.63 1,297.39
78 0.046924 ### 84.7280 915.27 3,636,054.09 308,075.59 170.62 1,104.76
79 0.045120 ### 90.7920 909.21 3,327,978.50 302,153.82 150.16 934.14
80 0.043384 ### 97.2720 902.73 3,025,824.67 294,328.02 131.27 783.99
81 0.041716 ### 104.3280 895.67 2,731,496.66 284,971.58 113.95 652.71
82 0.040111 ### 112.1600 887.84 2,446,525.07 274,402.25 98.13 538.77
83 0.038569 ### 120.8240 879.18 2,172,122.82 262,444.57 83.78 440.63
84 0.037085 ### 129.9920 870.01 1,909,678.25 248,242.90 70.82 356.86
85 0.035659 ### 139.3600 860.64 1,661,435.36 231,537.63 59.24 286.04
86 0.034287 ### 148.6240 851.38 1,429,897.73 212,517.12 49.03 226.79
87 0.032969 ### 157.6480 842.35 1,217,380.61 191,917.62 40.14 177.77
88 0.031701 ### 167.4960 832.50 1,025,462.99 171,760.95 32.51 137.63
89 0.030481 ### 177.2160 822.78 853,702.04 151,289.66 26.02 105.12
90 0.029309 ### 186.9520 813.05 702,412.38 131,317.40 20.59 79.10
91 0.028182 ### 196.8960 803.10 571,094.98 112,446.32 16.09 58.51
92 0.027098 ### 207.4640 792.54 458,648.66 95,153.09 12.43 42.42
 93 0.026056 ### 221.0400 778.96 363,495.58 80,347.06 9.47 29.99
94 0.025053 ### 238.5200 761.48 283,148.51 67,536.58 7.09 20.52
95 0.024090 ### 263.9680 736.03 215,611.93 56,914.65 5.19 13.43
96 0.023163 ### 307.6400 692.36 158,697.28 48,821.63 3.68 8.23
97 0.022272 ### 384.1600 615.84 109,875.65 42,209.83 2.45 4.56
98 0.021416 ### 526.3840 473.62 67,665.82 35,618.20 1.45 2.11
99 0.020592 ### 800.0000 200.00 32,047.61 25,638.09 0.66 0.66
100 0.019800 1,000.0000
 Riesgo de Supervivencia x=
C(x) M(x) R(x) n=
32.1538 846.9193 44,388.8409
7.8877 814.7655 43,541.9215 Valor actual biométrico p(x,n)
7.0113 806.8778 42,727.1560
6.6683 799.8665 41,920.2783 p(x,n) = l(x+n)
6.2106 793.1982 41,120.4118 l(x)
5.6532 786.9876 40,327.2136
5.1904 781.3344 39,540.2261 p(x,n) = 8,556,534
4.6394 776.1440 38,758.8917 8,963,150
4.2352 771.5046 37,982.7476
3.9627 767.2695 37,211.2430 p(x,n) = 0.95463471
3.7566 763.3067 36,443.9736
3.8078 759.5501 35,680.6668
4.0393 755.7423 34,921.1167
4.5205 751.7031 34,165.3743 Valor actual financiero vn =
5.0452 747.1826 33,413.6712
6.9539 742.1374 32,666.4887 vn = 1
7.5679 735.1835 31,924.3513 1.2166529
7.9654 727.6156 31,189.1677
8.0568 719.6502 30,461.5522 vn = 0.82192711
8.0915 711.5934 29,741.9020
7.9381 703.5019 29,030.3085
7.6846 695.5638 28,326.8066 Valor actual actuarial E(x,n)
7.2803 687.8792 27,631.2428
6.8659 680.5989 26,943.3636 E(x,n) = p(x,n) * vn
6.4441 673.7330 26,262.7647
5.9894 667.2889 25,589.0317 E(x,n) = l(x+n) *
5.5880 661.2995 24,921.7428 l(x)
5.3125 655.7115 24,260.4433
5.0503 650.3990 23,604.7318 E(x,n) = 8,556,534 *
4.8956 645.3487 22,954.3328 8,963,150
4.7908 640.4531 22,308.9841
4.7521 635.6622 21,668.5310 E(x,n) = 0.78464015
4.7086 630.9101 21,032.8688
4.7413 626.2015 20,401.9587
4.8021 621.4602 19,775.7571
4.8870 616.6582 19,154.2969
5.0100 611.7712 18,537.6387 Valor actual
5.1999 606.7612 17,925.8675 Correspondiente a un Capital pagadero en el momento n en ca
5.4144 601.5613 17,319.1063 Capital
5.6644 596.1469 16,717.5451 Unitario
5.9438 590.4825 16,121.3982 VA Biométrico 0.95463
6.2755 584.5387 15,530.9157
6.5813 578.2632 14,946.3769 VA Financiero 0.82193
6.9279 571.6819 14,368.1137
 7.2563 564.7540 13,796.4318 VA Actuarial 0.78464
7.6265 557.4977 13,231.6777
7.9481 549.8712 12,674.1800
8.2794 541.9232 12,124.3088
8.5943 533.6437 11,582.3856
8.9420 525.0494 11,048.7418
9.2749 516.1074 10,523.6924
9.6646 506.8325 10,007.5850
10.0803 497.1679 9,500.7525
10.5459 487.0876 9,003.5846
11.0473 476.5417 8,516.4970
11.5252 465.4944 8,039.9553
11.9961 453.9693 7,574.4608
12.4107 441.9731 7,120.4915
12.8009 429.5624 6,678.5184
13.1360 416.7615 6,248.9560
13.4850 403.6255 5,832.1945
13.8618 390.1404 5,428.5690
14.2639 376.2787 5,038.4286
14.6959 362.0148 4,662.1499
15.1163 347.3189 4,300.1351
15.4945 332.2026 3,952.8162
15.7735 316.7080 3,620.6137
15.9635 300.9345 3,303.9056
16.0413 284.9710 3,002.9711
16.0526 268.9297 2,718.0001
16.0385 252.8772 2,449.0703
15.9975 236.8387 2,196.1932
15.9547 220.8412 1,959.3544
15.8861 204.8865 1,738.5133
15.7369 189.0003 1,533.6268
15.5210 173.2635 1,344.6265
15.1422 157.7425 1,171.3630
14.5982 142.6003 1,013.6205
13.9003 128.0021 871.0202
13.1087 114.1019 743.0181
12.2781 100.9931 628.9162
11.4306 88.7150 527.9231
10.5833 77.2845 439.2081
9.7328 66.7012 361.9236
8.8520 56.9684 295.2224
7.9388 48.1164 238.2540
7.0064 40.1776 190.1377
6.0839 33.1712 149.9601
5.2355 27.0873 116.7889
4.4341 21.8518 89.7016
3.7007 17.4177 67.8498
3.0470 13.7169 50.4321
2.4793 10.6699 36.7152
2.0130 8.1906 26.0452
1.6269 6.1777 17.8546
1.3183 4.5507 11.6769
1.0874 3.2324 7.1262
0.9040 2.1450 3.8938
0.7335 1.2411 1.7487
0.5076 0.5076 0.5076
 50
5

p(x,n) Edad inicial

Inicio del ri
Duración rie

1
(1 + i)n

1
(1+i)n

0.8219271

pagadero en el momento n en caso de llegar con vida

Capital
$ 10,000
$ 9,546

$ 8,219
$ 7,846
 edades plazos
x 30
h 30 0
n 31 1
 TABLA CSO 80 MUJERES - VALORES DE CONMUTACION AL 4 %

TABLA C.S.O. 80 ( mujer - unismoker ) - VALORES DE CONMUTA 4.00%

CSO al 100% 80%
X v x
q( x ; 0 ; 1 ) q( x ; 0 ; 1 ) l(x) d(x) D(x) N(x) C(x)
0 1.000000 2.890000 2.3120 ### 23,120.00 10,000.00 243,725.05 22.2308
1 0.961538 0.870000 0.6960 9,976,880.000 6,943.91 9,593.15 233,725.05 6.4200
2 0.924556 0.810000 0.6480 9,969,936.092 6,460.52 9,217.77 224,131.89 5.7434
3 0.888996 0.790000 0.6320 9,963,475.573 6,296.92 8,857.49 214,914.13 5.3826
4 0.854804 0.770000 0.6160 9,957,178.656 6,133.62 8,511.44 206,056.63 5.0414
5 0.821927 0.760000 0.6080 9,951,045.034 6,050.24 8,179.03 197,545.19 4.7816
6 0.790315 0.730000 0.5840 9,944,994.799 5,807.88 7,859.67 189,366.16 4.4135
7 0.759918 0.720000 0.5760 9,939,186.922 5,724.97 7,552.97 181,506.49 4.1832
8 0.730690 0.700000 0.5600 9,933,461.950 5,562.74 7,258.28 173,953.52 3.9083
9 0.702587 0.690000 0.5520 9,927,899.212 5,480.20 6,975.21 166,695.24 3.7022
10 0.675564 0.680000 0.5440 9,922,419.011 5,397.80 6,703.23 159,720.03 3.5063
11 0.649581 0.690000 0.5520 9,917,021.215 5,474.20 6,441.91 153,016.80 3.4192
12 0.624597 0.720000 0.5760 9,911,547.020 5,709.05 6,190.72 146,574.89 3.4287
13 0.600574 0.750000 0.6000 9,905,837.969 5,943.50 5,949.19 140,384.17 3.4322
14 0.577475 0.800000 0.6400 9,899,894.466 6,335.93 5,716.94 134,434.98 3.5181
15 0.555265 0.850000 0.6800 9,893,558.533 6,727.62 5,493.54 128,718.03 3.5919
16 0.533908 0.900000 0.7200 9,886,830.913 7,118.52 5,278.66 123,224.49 3.6545
17 0.513373 0.950000 0.7600 9,879,712.395 7,508.58 5,071.98 117,945.83 3.7064
18 0.493628 0.980000 0.7840 9,872,203.814 7,739.81 4,873.20 112,873.85 3.6736
19 0.474642 1.020000 0.8160 9,864,464.006 8,049.40 4,682.09 108,000.65 3.6736
20 0.456387 1.050000 0.8400 9,856,414.603 8,279.39 4,498.34 103,318.56 3.6333
21 0.438834 1.070000 0.8560 9,848,135.215 8,430.00 4,321.69 98,820.22 3.5571
22 0.421955 1.090000 0.8720 9,839,705.211 8,580.22 4,151.92 94,498.53 3.4812
23 0.405726 1.110000 0.8880 9,831,124.988 8,730.04 3,988.75 90,346.61 3.4058
24 0.390121 1.140000 0.9120 9,822,394.949 8,958.02 3,831.93 86,357.87 3.3603
25 0.375117 1.160000 0.9280 9,813,436.925 9,106.87 3,681.19 82,525.94 3.2847
26 0.360689 1.190000 0.9520 9,804,330.056 9,333.72 3,536.32 78,844.75 3.2371
27 0.346817 1.220000 0.9760 9,794,996.334 9,559.92 3,397.07 75,308.44 3.1880
28 0.333477 1.260000 1.0080 9,785,436.417 9,863.72 3,263.22 71,911.37 3.1628
29 0.320651 1.300000 1.0400 9,775,572.697 10,166.60 3,134.55 68,648.15 3.1346
30 0.308319 1.350000 1.0800 9,765,406.102 10,546.64 3,010.86 65,513.60 3.1267
31 0.296460 1.400000 1.1200 9,754,859.463 10,925.44 2,891.93 62,502.74 3.1144
32 0.285058 1.450000 1.1600 9,743,934.020 11,302.96 2,777.59 59,610.81 3.0981
33 0.274094 1.500000 1.2000 9,732,631.057 11,679.16 2,667.66 56,833.23 3.0781
34 0.263552 1.580000 1.2640 9,720,951.900 12,287.28 2,561.98 54,165.57 3.1138
35 0.253415 1.650000 1.3200 9,708,664.617 12,815.44 2,460.33 51,603.59 3.1227
36 0.243669 1.760000 1.4080 9,695,849.179 13,651.76 2,362.58 49,143.27 3.1986
37 0.234297 1.890000 1.5120 9,682,197.424 14,639.48 2,268.51 46,780.69 3.2981
38 0.225285 2.040000 1.6320 9,667,557.941 15,777.45 2,177.96 44,512.18 3.4177
39 0.216621 2.220000 1.7760 9,651,780.486 17,141.56 2,090.77 42,334.22 3.5704
40 0.208289 2.420000 1.9360 9,634,638.924 18,652.66 2,006.79 40,243.45 3.7357
41 0.200278 2.640000 2.1120 9,615,986.263 20,308.96 1,925.87 38,236.66 3.9110
42 0.192575 2.870000 2.2960 9,595,677.300 22,031.68 1,847.89 36,310.79 4.0796

Page 21
 TABLA CSO 80 MUJERES - VALORES DE CONMUTACION AL 4 %

X vx q( x ; 0 ; 1 ) q( x ; 0 ; 1 ) l(x) d(x) D(x) N(x) C(x)

43 0.185168 3.090000 2.4720 9,573,645.625 23,666.05 1,772.73 34,462.90 4.2137
44 0.178046 3.320000 2.6560 9,549,979.573 25,364.75 1,700.34 32,690.17 4.3424
45 0.171198 3.560000 2.8480 9,524,614.828 27,126.10 1,630.60 30,989.83 4.4653
46 0.164614 3.800000 3.0400 9,497,488.725 28,872.37 1,563.42 29,359.23 4.5700
47 0.158283 4.050000 3.2400 9,468,616.359 30,678.32 1,498.72 27,795.81 4.6691
48 0.152195 4.330000 3.4640 9,437,938.042 32,693.02 1,436.40 26,297.09 4.7843
49 0.146341 4.630000 3.7040 9,405,245.024 34,837.03 1,376.37 24,860.69 4.9020
50 0.140713 4.960000 3.9680 9,370,407.997 37,181.78 1,318.53 23,484.32 5.0307
51 0.135301 5.310000 4.2480 9,333,226.218 39,647.54 1,262.79 22,165.78 5.1580
52 0.130097 5.700000 4.5600 9,293,578.673 42,378.72 1,209.06 20,902.99 5.3013
53 0.125093 6.150000 4.9200 9,251,199.954 45,515.90 1,157.26 19,693.93 5.4747
54 0.120282 6.610000 5.2880 9,205,684.050 48,679.66 1,107.28 18,536.67 5.6301
55 0.115656 7.090000 5.6720 9,157,004.393 51,938.53 1,059.06 17,429.39 5.7759
56 0.111207 7.570000 6.0560 9,105,065.864 55,140.28 1,012.55 16,370.33 5.8962
57 0.106930 8.030000 6.4240 9,049,925.585 58,136.72 967.71 15,357.78 5.9775
58 0.102817 8.470000 6.7760 8,991,788.863 60,928.36 924.51 14,390.07 6.0235
59 0.098863 8.940000 7.1520 8,930,860.502 63,873.51 882.93 13,465.56 6.0718
60 0.095060 9.470000 7.5760 8,866,986.988 67,176.29 842.90 12,582.63 6.1402
61 0.091404 10.120000 8.0960 8,799,810.694 71,243.27 804.34 11,739.73 6.2615
62 0.087889 10.960000 8.7680 8,728,567.427 76,532.08 767.14 10,935.39 6.4676
63 0.084508 12.020000 9.6160 8,652,035.348 83,197.97 731.17 10,168.25 6.7605
64 0.081258 13.250000 10.6000 8,568,837.376 90,829.68 696.29 9,437.08 7.0968
65 0.078133 14.590000 11.6720 8,478,007.700 98,955.31 662.41 8,740.79 7.4343
66 0.075128 16.000000 12.8000 8,379,052.394 107,251.87 629.50 8,078.38 7.7477
67 0.072238 17.430000 13.9440 8,271,800.523 115,341.99 597.54 7,448.89 8.0116
68 0.069460 18.840000 15.0720 8,156,458.537 122,934.14 566.55 6,851.35 8.2105
69 0.066788 20.360000 16.2880 8,033,524.394 130,850.05 536.54 6,284.80 8.4031
70 0.064219 22.110000 17.6880 7,902,674.348 139,782.50 507.51 5,748.26 8.6315
71 0.061749 24.230000 19.3840 7,762,891.844 150,475.90 479.35 5,240.75 8.9344
72 0.059374 26.870000 21.4960 7,612,415.949 163,636.49 451.98 4,761.40 9.3421
73 0.057091 30.110000 24.0880 7,448,779.456 179,426.20 425.26 4,309.42 9.8496
74 0.054895 33.930000 27.1440 7,269,353.256 197,319.32 399.05 3,884.16 10.4152
75 0.052784 38.240000 30.5920 7,072,033.931 216,347.66 373.29 3,485.11 10.9804
76 0.050754 42.970000 34.3760 6,855,686.269 235,671.07 347.95 3,111.82 11.5011
77 0.048801 48.040000 38.4320 6,620,015.198 254,420.42 323.07 2,763.87 11.9385
78 0.046924 53.450000 42.7600 6,365,594.774 272,192.83 298.70 2,440.80 12.2813
79 0.045120 59.350000 47.4800 6,093,401.942 289,314.72 274.93 2,142.10 12.5517
80 0.043384 65.990000 52.7920 5,804,087.217 306,409.37 251.81 1,867.17 12.7821
81 0.041716 73.600000 58.8800 5,497,677.845 323,703.27 229.34 1,615.36 12.9841
82 0.040111 82.400000 65.9200 5,173,974.573 341,068.40 207.53 1,386.02 13.1545
83 0.038569 92.530000 74.0240 4,832,906.170 357,751.05 186.40 1,178.49 13.2672
84 0.037085 103.810000 83.0480 4,475,155.123 371,652.68 165.96 992.09 13.2527
85 0.035659 116.100000 92.8800 4,103,502.441 381,133.31 146.33 826.13 13.0680
86 0.034287 129.290000 103.4320 3,722,369.134 385,012.08 127.63 679.80 12.6933
87 0.032969 143.320000 114.6560 3,337,357.050 382,648.01 110.03 552.17 12.1301
88 0.031701 158.180000 126.5440 2,954,709.040 373,900.70 93.67 442.14 11.3970
89 0.030481 173.940000 139.1520 2,580,808.339 359,124.64 78.67 348.48 10.5255

Page 22
 TABLA CSO 80 MUJERES - VALORES DE CONMUTACION AL 4 %

X vx q( x ; 0 ; 1 ) q( x ; 0 ; 1 ) l(x) d(x) D(x) N(x) C(x)

90 0.029309 190.750000 152.6000 2,221,683.697 339,028.93 65.12 269.81 9.5544
91 0.028182 208.870000 167.0960 1,882,654.765 314,584.08 53.06 204.70 8.5245
92 0.027098 228.810000 183.0480 1,568,070.684 287,032.20 42.49 151.64 7.4788
93 0.026056 251.510000 201.2080 1,281,038.482 257,755.19 33.38 109.15 6.4576
94 0.025053 279.310000 223.4480 1,023,283.291 228,650.60 25.64 75.77 5.5081
95 0.024090 317.320000 253.8560 794,632.686 201,722.28 19.14 50.14 4.6725
96 0.023163 375.740000 300.5920 592,910.411 178,224.13 13.73 30.99 3.9695
97 0.022272 474.970000 379.9760 414,686.285 157,570.84 9.24 17.26 3.3745
98 0.021416 655.850000 524.6800 257,115.449 134,903.33 5.51 8.02 2.7779
99 0.020592 ### 800.0000 122,212.115 97,769.69 2.52 2.52 1.9358
100 0.019800 1,000.0000

Page 23
 TABLA CSO 80 MUJERES - VALORES DE CONMUTACION AL 4 %

Riesgo de Supervivencia x= 50
M(x) R(x) n= 5
625.4758 36,595.8926
603.2451 35,970.4168 Valor actual biométrico p(x,n)
596.8250 35,367.1717
591.0816 34,770.3467 p(x,n) = l(x+n)
585.6990 34,179.2651 l(x)
580.6576 33,593.5661
575.8760 33,012.9084 p(x,n) = 9,157,004
571.4625 32,437.0324 9,370,408
567.2793 31,865.5699
563.3710 31,298.2905 p(x,n) = 0.97722579
559.6688 30,734.9195
556.1625 30,175.2507
552.7433 29,619.0882
549.3146 29,066.3448 Valor actual financiero vn = 1
545.8824 28,517.0302 (1 + i)n
542.3643 27,971.1478 vn = 1
538.7724 27,428.7835 1.2166529
535.1179 26,890.0112
531.4115 26,354.8933 vn = 0.82192711
527.7378 25,823.4818
524.0642 25,295.7440
520.4309 24,771.6798 Valor actual actuarial E(x,n)
516.8738 24,251.2489
513.3926 23,734.3751 E(x,n) = p(x,n) * vn
509.9868 23,220.9825
506.6265 22,710.9957 E(x,n) = l(x+n) * 1
503.3418 22,204.3692 l(x) (1+i)n
500.1047 21,701.0275
496.9167 21,200.9228 E(x,n) = 9,157,004 * 0.8219271
493.7538 20,704.0062 9,370,408
490.6193 20,210.2523
487.4926 19,719.6330 E(x,n) = 0.80320837
484.3782 19,232.1404
481.2802 18,747.7622
478.2021 18,266.4820
475.0883 17,788.2799
471.9656 17,313.1916 Valor actual
468.7670 16,841.2260 Correspondiente a un Capital pagadero en el momento n en caso de llega
465.4690 16,372.4590 Capital Capital
462.0512 15,906.9900 Unitario $ 10,000
458.4808 15,444.9388 VA Biométrico 0.97723 $ 9,772
454.7451 14,986.4579
450.8341 14,531.7128 VA Financiero 0.82193 $ 8,219

Page 24
 TABLA CSO 80 MUJERES - VALORES DE CONMUTACION AL 4 %

M(x) R(x) n= 5
446.7546 14,080.8787
442.5409 13,634.1241 VA Actuarial 0.80321 $ 8,032
438.1985 13,191.5832
433.7332 12,753.3847
429.1632 12,319.6515
424.4941 11,890.4884
419.7098 11,465.9943
414.8078 11,046.2845
409.7770 10,631.4767
404.6190 10,221.6997
399.3177 9,817.0807
393.8430 9,417.7629
388.2129 9,023.9199
382.4370 8,635.7070
376.5409 8,253.2700
370.5634 7,876.7291
364.5398 7,506.1657
358.4680 7,141.6259
352.3278 6,783.1579
346.0663 6,430.8301
339.5987 6,084.7638
332.8382 5,745.1650
325.7415 5,412.3268
318.3072 5,086.5854
310.5595 4,768.2782
302.5479 4,457.7187
294.3373 4,155.1708
285.9342 3,860.8335
277.3027 3,574.8992
268.3683 3,297.5965
259.0262 3,029.2282
249.1766 2,770.2020
238.7613 2,521.0254
227.7809 2,282.2641
216.2798 2,054.4832
204.3413 1,838.2034
192.0600 1,633.8621
179.5083 1,441.8021
166.7262 1,262.2938
153.7421 1,095.5675
140.5876 941.8255
127.3203 801.2379
114.0677 673.9175
100.9997 559.8499
88.3064 458.8502
76.1762 370.5438
64.7793 294.3676

Page 25
 TABLA CSO 80 MUJERES - VALORES DE CONMUTACION AL 4 %

M(x) R(x) n= 5
54.2537 229.5883
44.6993 175.3346
36.1748 130.6352
28.6961 94.4604
22.2384 65.7644
16.7303 43.5259
12.0577 26.7956
8.0883 14.7379
4.7138 6.6496
1.9358 1.9358

Page 26
 TABLA CSO 80 MUJERES - VALORES DE CONMUTACION AL 4 %

edades
Edad inicial x 30
Inicio del ri h 30
Duración rie n 31

momento n en caso de llegar con vida

Page 27
TABLA CSO 80 MUJERES - VALORES DE CONMUTACION AL 4 %

plazos

0
1

Page 28
TABLA C.S.O. 80 ( mujer - no fumadora ) - VALORES DE CONMUTA 4.00%
CSO al 100% 80%
X v x
q( x ; 0 ; 1 ) q( x ; 0 ; 1 ) p( x ; 1 ) l(x) d(x) D(x) N(x)
0 1.000000 2.890000 2.3120 997.69 ### 23,120.00 10,000.00 244,203.71
1 0.961538 0.870000 0.6960 999.30 9,976,880.00 6,943.91 9,593.15 234,203.71
2 0.924556 0.810000 0.6480 999.35 9,969,936.09 6,460.52 9,217.77 224,610.56
3 0.888996 0.790000 0.6320 999.37 9,963,475.57 6,296.92 8,857.49 215,392.79
4 0.854804 0.770000 0.6160 999.38 9,957,178.66 6,133.62 8,511.44 206,535.30
5 0.821927 0.760000 0.6080 999.39 9,951,045.03 6,050.24 8,179.03 198,023.86
6 0.790315 0.730000 0.5840 999.42 9,944,994.80 5,807.88 7,859.67 189,844.83
7 0.759918 0.720000 0.5760 999.42 9,939,186.92 5,724.97 7,552.97 181,985.16
8 0.730690 0.700000 0.5600 999.44 9,933,461.95 5,562.74 7,258.28 174,432.19
9 0.702587 0.690000 0.5520 999.45 9,927,899.21 5,480.20 6,975.21 167,173.91
10 0.675564 0.680000 0.5440 999.46 9,922,419.01 5,397.80 6,703.23 160,198.70
11 0.649581 0.690000 0.5520 999.45 9,917,021.22 5,474.20 6,441.91 153,495.47
12 0.624597 0.720000 0.5760 999.42 9,911,547.02 5,709.05 6,190.72 147,053.56
13 0.600574 0.750000 0.6000 999.40 9,905,837.97 5,943.50 5,949.19 140,862.83
14 0.577475 0.800000 0.6400 999.36 9,899,894.47 6,335.93 5,716.94 134,913.65
15 0.555265 0.840000 0.6720 999.33 9,893,558.53 6,648.47 5,493.54 129,196.70
16 0.533908 0.880000 0.7040 999.30 9,886,910.06 6,960.38 5,278.70 123,703.16
17 0.513373 0.920000 0.7360 999.26 9,879,949.68 7,271.64 5,072.10 118,424.46
18 0.493628 0.950000 0.7600 999.24 9,872,678.03 7,503.24 4,873.43 113,352.36
19 0.474642 0.980000 0.7840 999.22 9,865,174.80 7,734.30 4,682.43 108,478.93
20 0.456387 1.010000 0.8080 999.19 9,857,440.50 7,964.81 4,498.81 103,796.49
21 0.438834 1.020000 0.8160 999.18 9,849,475.69 8,037.17 4,322.28 99,297.69
22 0.421955 1.040000 0.8320 999.17 9,841,438.52 8,188.08 4,152.65 94,975.41
23 0.405726 1.050000 0.8400 999.16 9,833,250.44 8,259.93 3,989.61 90,822.76
24 0.390121 1.080000 0.8640 999.14 9,824,990.51 8,488.79 3,832.94 86,833.15
25 0.375117 1.090000 0.8720 999.13 9,816,501.72 8,559.99 3,682.33 83,000.21
26 0.360689 1.120000 0.8960 999.10 9,807,941.73 8,787.92 3,537.62 79,317.88
27 0.346817 1.140000 0.9120 999.09 9,799,153.81 8,936.83 3,398.51 75,780.26
28 0.333477 1.170000 0.9360 999.06 9,790,216.99 9,163.64 3,264.82 72,381.75
29 0.320651 1.200000 0.9600 999.04 9,781,053.34 9,389.81 3,136.31 69,116.93
30 0.308319 1.240000 0.9920 999.01 9,771,663.53 9,693.49 3,012.79 65,980.62
31 0.296460 1.270000 1.0160 998.98 9,761,970.04 9,918.16 2,894.04 62,967.84
32 0.285058 1.310000 1.0480 998.95 9,752,051.88 10,220.15 2,779.90 60,073.80
33 0.274094 1.350000 1.0800 998.92 9,741,831.73 10,521.18 2,670.18 57,293.90
34 0.263552 1.420000 1.1360 998.86 9,731,310.55 11,054.77 2,564.71 54,623.72
35 0.253415 1.470000 1.1760 998.82 9,720,255.78 11,431.02 2,463.26 52,059.01
36 0.243669 1.560000 1.2480 998.75 9,708,824.76 12,116.61 2,365.74 49,595.75
37 0.234297 1.670000 1.3360 998.66 9,696,708.15 12,954.80 2,271.91 47,230.01
38 0.225285 1.790000 1.4320 998.57 9,683,753.35 13,867.13 2,181.61 44,958.11
39 0.216621 1.930000 1.5440 998.46 9,669,886.21 14,930.30 2,094.70 42,776.50
40 0.208289 2.080000 1.6640 998.34 9,654,955.91 16,065.85 2,011.02 40,681.80
41 0.200278 2.260000 1.8080 998.19 9,638,890.06 17,427.11 1,930.46 38,670.78
42 0.192575 2.440000 1.9520 998.05 9,621,462.95 18,781.10 1,852.85 36,740.32
43 0.185168 2.620000 2.0960 997.90 9,602,681.85 20,127.22 1,778.11 34,887.47
44 0.178046 2.800000 2.2400 997.76 9,582,554.63 21,464.92 1,706.14 33,109.36
45 0.171198 2.990000 2.3920 997.61 9,561,089.71 22,870.13 1,636.84 31,403.22
46 0.164614 3.190000 2.5520 997.45 9,538,219.58 24,341.54 1,570.12 29,766.38
47 0.158283 3.410000 2.7280 997.27 9,513,878.04 25,953.86 1,505.88 28,196.25
48 0.152195 3.650000 2.9200 997.08 9,487,924.19 27,704.74 1,444.01 26,690.37
49 0.146341 3.900000 3.1200 996.88 9,460,219.45 29,515.88 1,384.42 25,246.36
50 0.140713 4.190000 3.3520 996.65 9,430,703.56 31,611.72 1,327.02 23,861.94
51 0.135301 4.500000 3.6000 996.40 9,399,091.84 33,836.73 1,271.70 22,534.92
52 0.130097 4.850000 3.8800 996.12 9,365,255.11 36,337.19 1,218.39 21,263.22
53 0.125093 5.260000 4.2080 995.79 9,328,917.92 39,256.09 1,166.98 20,044.83
54 0.120282 5.680000 4.5440 995.46 9,289,661.84 42,212.22 1,117.38 18,877.85
55 0.115656 6.130000 4.9040 995.10 9,247,449.61 45,349.49 1,069.52 17,760.47
56 0.111207 6.590000 5.2720 994.73 9,202,100.12 48,513.47 1,023.34 16,690.95
57 0.106930 7.050000 5.6400 994.36 9,153,586.65 51,626.23 978.79 15,667.61
58 0.102817 7.490000 5.9920 994.01 9,101,960.42 54,538.95 935.84 14,688.82
59 0.098863 7.960000 6.3680 993.63 9,047,421.47 57,613.98 894.45 13,752.98
60 0.095060 8.510000 6.8080 993.19 8,989,807.49 61,202.61 854.57 12,858.53
61 0.091404 9.160000 7.3280 992.67 8,928,604.88 65,428.82 816.11 12,003.95
62 0.087889 9.980000 7.9840 992.02 8,863,176.07 70,763.60 778.97 11,187.84
63 0.084508 11.010000 8.8080 991.19 8,792,412.47 77,443.57 743.03 10,408.87
64 0.081258 12.230000 9.7840 990.22 8,714,968.90 85,267.26 708.16 9,665.83
65 0.078133 13.550000 10.8400 989.16 8,629,701.64 93,545.97 674.26 8,957.67
66 0.075128 14.970000 11.9760 988.02 8,536,155.68 102,229.00 641.30 8,283.41
67 0.072238 16.410000 13.1280 986.87 8,433,926.68 110,720.59 609.25 7,642.11
68 0.069460 17.860000 14.2880 985.71 8,323,206.09 118,921.97 578.13 7,032.86
69 0.066788 19.410000 15.5280 984.47 8,204,284.12 127,396.12 547.95 6,454.73
70 0.064219 21.200000 16.9600 983.04 8,076,888.00 136,984.02 518.69 5,906.78
71 0.061749 23.340000 18.6720 981.33 7,939,903.98 148,253.89 490.28 5,388.09
72 0.059374 25.990000 20.7920 979.21 7,791,650.09 162,003.99 462.62 4,897.80
73 0.057091 29.220000 23.3760 976.62 7,629,646.10 178,350.61 435.58 4,435.18
74 0.054895 33.020000 26.4160 973.58 7,451,295.49 196,833.42 409.04 3,999.60
75 0.052784 37.320000 29.8560 970.14 7,254,462.07 216,589.22 382.92 3,590.56
76 0.050754 42.040000 33.6320 966.37 7,037,872.85 236,697.74 357.20 3,207.64
77 0.048801 47.110000 37.6880 962.31 6,801,175.11 256,322.69 331.91 2,850.44
78 0.046924 52.530000 42.0240 957.98 6,544,852.42 275,040.88 307.11 2,518.54
79 0.045120 58.450000 46.7600 953.24 6,269,811.55 293,176.39 282.89 2,211.42
80 0.043384 65.120000 52.0960 947.90 5,976,635.16 311,358.79 259.29 1,928.53
81 0.041716 72.760000 58.2080 941.79 5,665,276.37 329,764.41 236.33 1,669.24
82 0.040111 81.590000 65.2720 934.73 5,335,511.97 348,259.54 214.01 1,432.91
83 0.038569 91.760000 73.4080 926.59 4,987,252.43 366,104.23 192.35 1,218.89
84 0.037085 103.030000 82.4240 917.58 4,621,148.20 380,893.52 171.38 1,026.54
85 0.035659 115.380000 92.3040 907.70 4,240,254.68 391,392.47 151.20 855.17
86 0.034287 128.580000 102.8640 897.14 3,848,862.21 395,909.36 131.97 703.96
87 0.032969 142.710000 114.1680 885.83 3,452,952.85 394,216.72 113.84 572.00
88 0.031701 157.610000 126.0880 873.91 3,058,736.13 385,669.92 96.96 458.16
89 0.030481 173.510000 138.8080 861.19 2,673,066.21 371,042.97 81.48 361.20
90 0.029309 190.390000 152.3120 847.69 2,302,023.24 350,625.76 67.47 279.72
91 0.028182 208.580000 166.8640 833.14 1,951,397.47 325,617.99 54.99 212.25
92 0.027098 228.600000 182.8800 817.12 1,625,779.48 297,322.55 44.05 157.25
 93 0.026056 251.400000 201.1200 798.88 1,328,456.93 267,179.26 34.61 113.20
94 0.025053 279.310000 223.4480 776.55 1,061,277.67 237,140.37 26.59 78.59
95 0.024090 317.320000 253.8560 746.14 824,137.30 209,212.20 19.85 52.00
96 0.023163 375.740000 300.5920 699.41 614,925.10 184,841.57 14.24 32.14
97 0.022272 474.970000 379.9760 620.02 430,083.54 163,421.42 9.58 17.90
98 0.021416 655.850000 524.6800 475.32 266,662.11 139,912.28 5.71 8.32
99 0.020592 ### 800.0000 200.00 126,749.84 101,399.87 2.61 2.61
100 0.019800 1,000.0000
 Riesgo de Supervivencia x=
C(x) M(x) R(x) n=
22.2308 607.0475 35,915.6011
6.4200 584.8167 35,308.5536 Valor actual biométrico p(x,n)
5.7434 578.3967 34,723.7369
5.3826 572.6533 34,145.3402 p(x,n) = l(x+n)
5.0414 567.2707 33,572.6868 l(x)
4.7816 562.2293 33,005.4161
4.4135 557.4477 32,443.1868 p(x,n) = 9,247,450
4.1832 553.0342 31,885.7391 9,430,704
3.9083 548.8510 31,332.7049
3.7022 544.9427 30,783.8538 p(x,n) = 0.98056837
3.5063 541.2405 30,238.9111
3.4192 537.7342 29,697.6706
3.4287 534.3150 29,159.9364
3.4322 530.8863 28,625.6214 Valor actual financiero vn =
3.5181 527.4541 28,094.7351
3.5497 523.9360 27,567.2810 vn = 1
3.5733 520.3863 27,043.3450 1.2166529
3.5895 516.8130 26,522.9587
3.5614 513.2235 26,006.1456 vn = 0.82192711
3.5298 509.6622 25,492.9221
3.4952 506.1324 24,983.2599
3.3913 502.6371 24,477.1275 Valor actual actuarial E(x,n)
3.3221 499.2458 23,974.4904
3.2224 495.9237 23,475.2446 E(x,n) = p(x,n) * vn
3.1843 492.7013 22,979.3209
3.0875 489.5170 22,486.6196 E(x,n) = l(x+n) *
3.0478 486.4295 21,997.1026 l(x)
2.9802 483.3817 21,510.6731
2.9383 480.4015 21,027.2914 E(x,n) = 9,247,450 *
2.8951 477.4632 20,546.8899 9,430,704
2.8737 474.5681 20,069.4267
2.8273 471.6944 19,594.8586 E(x,n) = 0.80595572
2.8013 468.8671 19,123.1642
2.7729 466.0658 18,654.2971
2.8014 463.2930 18,188.2313
2.7854 460.4915 17,724.9383
2.8389 457.7061 17,264.4468 Valor actual
2.9185 454.8672 16,806.7407 Correspondiente a un Capital pagadero en el momento n en ca
3.0039 451.9487 16,351.8734 Capital
3.1098 448.9448 15,899.9247 Unitario
3.2176 445.8350 15,450.9799 VA Biométrico 0.98057
3.3560 442.6174 15,005.1449
3.4777 439.2613 14,562.5275 VA Financiero 0.82193
3.5836 435.7837 14,123.2662
 3.6748 432.2001 13,687.4825 VA Actuarial 0.80596
3.7647 428.5253 13,255.2824
3.8528 424.7606 12,826.7571
3.9500 420.9077 12,401.9965
4.0543 416.9577 11,981.0888
4.1533 412.9034 11,564.1311
4.2771 408.7501 11,151.2277
4.4020 404.4730 10,742.4776
4.5455 400.0710 10,338.0046
4.7218 395.5254 9,937.9336
4.8821 390.8037 9,542.4081
5.0432 385.9216 9,151.6045
5.1875 380.8784 8,765.6829
5.3081 375.6908 8,384.8045
5.3919 370.3828 8,009.1137
5.4768 364.9909 7,638.7309
5.5942 359.5141 7,273.7400
5.7505 353.9199 6,914.2259
5.9801 348.1695 6,560.3060
6.2929 342.1893 6,212.1365
6.6622 335.8964 5,869.9472
7.0279 329.2343 5,534.0508
7.3848 322.2064 5,204.8165
7.6906 314.8216 4,882.6101
7.9426 307.1309 4,567.7885
8.1813 299.1884 4,260.6576
8.4587 291.0071 3,961.4692
8.8025 282.5484 3,670.4622
9.2489 273.7459 3,387.9138
9.7906 264.4969 3,114.1679
10.3896 254.7064 2,849.6710
10.9927 244.3168 2,594.9646
11.5512 233.3241 2,350.6478
12.0278 221.7729 2,117.3237
12.4098 209.7451 1,895.5508
12.7193 197.3354 1,685.8057
12.9885 184.6161 1,488.4703
13.2273 171.6275 1,303.8542
13.4319 158.4003 1,132.2267
13.5770 144.9684 973.8264
13.5822 131.3914 828.8580
13.4198 117.8092 697.4665
13.0525 104.3895 579.6573
12.4969 91.3369 475.2679
11.7557 78.8400 383.9309
10.8749 67.0843 305.0909
9.8812 56.2095 238.0066
8.8235 46.3283 181.7971
7.7469 37.5048 135.4688
6.6937 29.7579 97.9641
5.7127 23.0641 68.2062
4.8460 17.3515 45.1420
4.1169 12.5054 27.7906
3.4998 8.3886 15.2851
2.8811 4.8888 6.8965
2.0077 2.0077 2.0077
 50
5

p(x,n) Edad inicial

Inicio del ri
Duración rie

1
(1 + i)n

1
(1+i)n

0.8219271

pagadero en el momento n en caso de llegar con vida

Capital
$ 10,000
$ 9,806

$ 8,219
$ 8,060
 edades plazos
x 30
h 30 0
n 31 1