TABLA DE MORTALIDAD BEPS HOMBRES

x l(x) d(x) q(x) m sumacum e0(x)

15 1,000,000 1,129 0.001129 999,435.5 62,169,838 62.2
16 998,871 1,136 0.001137 998,303.0 61,170,403 61.2
17 997,735 1,144 0.001147 997,163.0 60,172,100 60.3
18 996,591 1,154 0.001158 996,014.0 59,174,937 59.4
19 995,437 1,165 0.001170 994,854.5 58,178,923 58.4
20 994,272 1,178 0.001185 993,683.0 57,184,068 57.5
21 993,094 1,195 0.001203 992,496.5 56,190,385 56.6
22 991,899 1,212 0.001222 991,293.0 55,197,889 55.6
23 990,687 1,232 0.001244 990,071.0 54,206,596 54.7
24 989,455 1,255 0.001268 988,827.5 53,216,525 53.8
25 988,200 1,280 0.001295 987,560.0 52,227,697 52.9
26 986,920 1,307 0.001324 986,266.5 51,240,137 51.9
27 985,613 1,338 0.001358 984,944.0 50,253,871 51.0
28 984,275 1,372 0.001394 983,589.0 49,268,927 50.1
29 982,903 1,408 0.001432 982,199.0 48,285,338 49.1
30 981,495 1,446 0.001473 980,772.0 47,303,139 48.2
31 980,049 1,491 0.001521 979,303.5 46,322,367 47.3
32 978,558 1,538 0.001572 977,789.0 45,343,063 46.3
33 977,020 1,588 0.001625 976,226.0 44,365,274 45.4
34 975,432 1,643 0.001684 974,610.5 43,389,048 44.5
35 973,789 1,702 0.001748 972,938.0 42,414,438 43.6
36 972,087 1,764 0.001815 971,205.0 41,441,500 42.6
37 970,323 1,833 0.001889 969,406.5 40,470,295 41.7
38 968,490 1,904 0.001966 967,538.0 39,500,888 40.8
39 966,586 1,979 0.002047 965,596.5 38,533,350 39.9
40 964,607 2,061 0.002137 963,576.5 37,567,754 38.9
41 962,546 2,147 0.002231 961,472.5 36,604,177 38.0
42 960,399 2,237 0.002329 959,280.5 35,642,705 37.1
43 958,162 2,332 0.002434 956,996.0 34,683,424 36.2
44 955,830 2,499 0.002614 954,580.5 33,726,428 35.3
45 953,331 2,685 0.002816 951,988.5 32,771,848 34.4
46 950,646 2,891 0.003041 949,200.5 31,819,859 33.5
47 947,755 3,112 0.003284 946,199.0 30,870,659 32.6
48 944,643 3,356 0.003553 942,965.0 29,924,460 31.7
49 941,287 3,620 0.003846 939,477.0 28,981,495 30.8
50 937,667 3,906 0.004166 935,714.0 28,042,018 29.9
51 933,761 4,218 0.004517 931,652.0 27,106,304 29.0
52 929,543 4,557 0.004902 927,264.5 26,174,652 28.2
53 924,986 4,923 0.005322 922,524.5 25,247,387 27.3
54 920,063 5,322 0.005784 917,402.0 24,324,863 26.4
55 914,741 5,700 0.006231 911,891.0 23,407,461 25.6
56 909,041 6,119 0.006731 905,981.5 22,495,570 24.7
57 902,922 6,582 0.007290 899,631.0 21,589,588 23.9
58 896,340 7,094 0.007914 892,793.0 20,689,957 23.1
59 889,246 7,658 0.008612 885,417.0 19,797,164 22.3
 60 881,588 8,280 0.009392 877,448.0 18,911,747 21.5
61 873,308 8,962 0.010262 868,827.0 18,034,299 20.7
62 864,346 9,711 0.011235 859,490.5 17,165,472 19.9
63 854,635 10,715 0.012538 849,277.5 16,305,982 19.1
64 843,920 11,778 0.013956 838,031.0 15,456,704 18.3
65 832,142 12,898 0.015500 825,693.0 14,618,673 17.6
66 819,244 14,076 0.017182 812,206.0 13,792,980 16.8
67 805,168 15,307 0.019011 797,514.5 12,980,774 16.1
68 789,861 16,589 0.021002 781,566.5 12,183,260 15.4
69 773,272 17,917 0.023170 764,313.5 11,401,693 14.7
70 755,355 19,282 0.025527 745,714.0 10,637,380 14.1
71 736,073 20,679 0.028094 725,733.5 9,891,666 13.4
72 715,394 22,094 0.030884 704,347.0 9,165,932 12.8
73 693,300 23,515 0.033917 681,542.5 8,461,585 12.2
74 669,785 24,928 0.037218 657,321.0 7,780,043 11.6
75 644,857 26,312 0.040803 631,701.0 7,122,722 11.0
76 618,545 27,648 0.044698 604,721.0 6,491,021 10.5
77 590,897 28,913 0.048931 576,440.5 5,886,300 10.0
78 561,984 30,083 0.053530 546,942.5 5,309,859 9.4
79 531,901 31,126 0.058518 516,338.0 4,762,917 9.0
80 500,775 32,016 0.063933 484,767.0 4,246,579 8.5
81 468,759 32,515 0.069364 452,501.5 3,761,812 8.0
82 436,244 32,830 0.075256 419,829.0 3,309,310 7.6
83 403,414 32,938 0.081648 386,945.0 2,889,481 7.2
84 370,476 32,818 0.088583 354,067.0 2,502,536 6.8
85 337,658 32,451 0.096106 321,432.5 2,148,469 6.4
86 305,207 31,824 0.104270 289,295.0 1,827,037 6.0
87 273,383 30,927 0.113127 257,919.5 1,537,742 5.6
88 242,456 29,759 0.122740 227,576.5 1,279,822 5.3
89 212,697 28,323 0.133161 198,535.5 1,052,246 4.9
90 184,374 26,637 0.144473 171,055.5 853,710 4.6
91 157,737 24,725 0.156748 145,374.5 682,655 4.3
92 133,012 22,620 0.170060 121,702.0 537,280 4.0
93 110,392 20,368 0.184506 100,208.0 415,578 3.8
94 90,024 18,020 0.200169 81,014.0 315,370 3.5
95 72,004 15,638 0.217182 64,185.0 234,356 3.3
96 56,366 13,282 0.235639 49,725.0 170,171 3.0
97 43,084 11,014 0.255640 37,577.0 120,446 2.8
98 32,070 8,895 0.277362 27,622.5 82,869 2.6
99 23,175 6,973 0.300885 19,688.5 55,247 2.4
100 16,202 5,290 0.326503 13,557.0 35,558 2.2
101 10,912 3,865 0.354197 8,979.5 22,001 2.0
102 7,047 2,708 0.384277 5,693.0 13,022 1.8
103 4,339 1,809 0.416916 3,434.5 7,329 1.7
104 2,530 1,145 0.452569 1,957.5 3,894 1.5
105 1,385 679 0.490253 1,045.5 1,937 1.4
106 706 376 0.532578 518.0 891 1.3
 107 330 191 0.578788 234.5 373 1.1
108 139 87 0.625899 95.5 139 1.0
109 52 35 0.673077 34.5 43.0 0.8
110 17 17 1.000000 8.5 8.5 0.5

l(x)
1,200,000

1,000,000

800,000

600,000

400,000

200,000

0
0 20 40 60 80 100 120

d(x) 40,000

35,000 35,000

30,000 30,000

25,000 25,000

20,000 20,000

15,000 15,000

10,000 10,000

5,000
5,000
0
0 0
0 20 40 60 80 100 120
 TABLA DE MORTALIDAD BEPS MUJERES
x l(x) d(x) q(x) m sumacum e0(x)
15 1,000,000 293 0.000293 999,853.5 68,458,377 68.5
16 999,707 301 0.000301 999,556.5 67,458,524 67.5
17 999,406 309 0.000309 999,251.5 66,458,967 66.5
18 999,097 318 0.000318 998,938.0 65,459,716 65.5
19 998,779 329 0.000329 998,614.5 64,460,778 64.5
20 998,450 339 0.000340 998,280.5 63,462,163 63.6
21 998,111 351 0.000352 997,935.5 62,463,883 62.6
22 997,760 364 0.000365 997,578.0 61,465,947 61.6
23 997,396 378 0.000379 997,207.0 60,468,369 60.6
24 997,018 393 0.000394 996,821.5 59,471,162 59.6
25 996,625 411 0.000412 996,419.5 58,474,341 58.7
26 996,214 429 0.000431 995,999.5 57,477,921 57.7
27 995,785 449 0.000451 995,560.5 56,481,922 56.7
28 995,336 472 0.000474 995,100.0 55,486,361 55.7
29 994,864 497 0.000500 994,615.5 54,491,261 54.8
30 994,367 523 0.000526 994,105.5 53,496,646 53.8
31 993,844 553 0.000556 993,567.5 52,502,540 52.8
32 993,291 585 0.000589 992,998.5 51,508,973 51.9
33 992,706 621 0.000626 992,395.5 50,515,974 50.9
34 992,085 658 0.000663 991,756.0 49,523,579 49.9
35 991,427 702 0.000708 991,076.0 48,531,823 49.0
36 990,725 749 0.000756 990,350.5 47,540,747 48.0
37 989,976 799 0.000807 989,576.5 46,550,396 47.0
38 989,177 856 0.000865 988,749.0 45,560,820 46.1
39 988,321 917 0.000928 987,862.5 44,572,071 45.1
40 987,404 985 0.000998 986,911.5 43,584,208 44.1
41 986,419 1,059 0.001074 985,889.5 42,597,297 43.2
42 985,360 1,138 0.001155 984,791.0 41,611,407 42.2
43 984,222 1,229 0.001249 983,607.5 40,626,616 41.3
44 982,993 1,325 0.001348 982,330.5 39,643,009 40.3
45 981,668 1,432 0.001459 980,952.0 38,660,678 39.4
46 980,236 1,549 0.001580 979,461.5 37,679,726 38.4
47 978,687 1,676 0.001712 977,849.0 36,700,265 37.5
48 977,011 1,816 0.001859 976,103.0 35,722,416 36.6
49 975,195 1,970 0.002020 974,210.0 34,746,313 35.6
50 973,225 2,137 0.002196 972,156.5 33,772,103 34.7
51 971,088 2,321 0.002390 969,927.5 32,799,946 33.8
52 968,767 2,522 0.002603 967,506.0 31,830,019 32.9
53 966,245 2,740 0.002836 964,875.0 30,862,513 31.9
54 963,505 2,979 0.003092 962,015.5 29,897,638 31.0
55 960,526 3,213 0.003345 958,919.5 28,935,622 30.1
56 957,313 3,471 0.003626 955,577.5 27,976,703 29.2
57 953,842 3,758 0.003940 951,963.0 27,021,125 28.3
58 950,084 4,079 0.004293 948,044.5 26,069,162 27.4
59 946,005 4,435 0.004688 943,787.5 25,121,118 26.6
 60 941,570 4,831 0.005131 939,154.5 24,177,330 25.7
61 936,739 5,271 0.005627 934,103.5 23,238,176 24.8
62 931,468 5,758 0.006182 928,589.0 22,304,072 23.9
63 925,710 6,300 0.006806 922,560.0 21,375,483 23.1
64 919,410 6,898 0.007503 915,961.0 20,452,923 22.2
65 912,512 7,558 0.008283 908,733.0 19,536,962 21.4
66 904,954 8,288 0.009158 900,810.0 18,628,229 20.6
67 896,666 9,090 0.010138 892,121.0 17,727,419 19.8
68 887,576 9,972 0.011235 882,590.0 16,835,298 19.0
69 877,604 10,940 0.012466 872,134.0 15,952,708 18.2
70 866,664 11,996 0.013842 860,666.0 15,080,574 17.4
71 854,668 13,148 0.015384 848,094.0 14,219,908 16.6
72 841,520 14,398 0.017110 834,321.0 13,371,814 15.9
73 827,122 15,751 0.019043 819,246.5 12,537,493 15.2
74 811,371 17,205 0.021205 802,768.5 11,718,247 14.4
75 794,166 18,762 0.023625 784,785.0 10,915,478 13.7
76 775,404 20,418 0.026332 765,195.0 10,130,693 13.1
77 754,986 22,167 0.029361 743,902.5 9,365,498 12.4
78 732,819 23,999 0.032749 720,819.5 8,621,596 11.8
79 708,820 25,897 0.036535 695,871.5 7,900,776 11.1
80 682,923 27,840 0.040766 669,003.0 7,204,905 10.6
81 655,083 29,365 0.044826 640,400.5 6,535,902 10.0
82 625,718 30,843 0.049292 610,296.5 5,895,501 9.4
83 594,875 32,243 0.054201 578,753.5 5,285,205 8.9
84 562,632 33,533 0.059600 545,865.5 4,706,451 8.4
85 529,099 34,675 0.065536 511,761.5 4,160,586 7.9
86 494,424 35,630 0.072064 476,609.0 3,648,824 7.4
87 458,794 36,356 0.079243 440,616.0 3,172,215 6.9
88 422,438 36,810 0.087137 404,033.0 2,731,599 6.5
89 385,628 36,949 0.095815 367,153.5 2,327,566 6.0
90 348,679 36,736 0.105358 330,311.0 1,960,413 5.6
91 311,943 36,140 0.115854 293,873.0 1,630,102 5.2
92 275,803 35,135 0.127392 258,235.5 1,336,229 4.8
93 240,668 33,713 0.140081 223,811.5 1,077,993 4.5
94 206,955 32,115 0.155179 190,897.5 854,182 4.1
95 174,840 29,834 0.170636 159,923.0 663,284 3.8
96 145,006 28,358 0.195564 130,827.0 503,361 3.5
97 116,648 25,084 0.215040 104,106.0 372,534 3.2
98 91,564 21,651 0.236458 80,738.5 268,428 2.9
99 69,913 18,179 0.260023 60,823.5 187,690 2.7
100 51,734 14,791 0.285905 44,338.5 126,866 2.5
17 36,943 11,615 0.314403 31,135.5 82,528 2.2
102 25,328 8,756 0.345704 20,950.0 51,392 2.0
103 16,572 6,300 0.380159 13,422.0 30,442 1.8
104 10,272 4,294 0.418030 8,125.0 17,020 1.7
105 5,978 2,747 0.459518 4,604.5 8,895 1.5
106 3,231 1,633 0.505416 2,414.5 4,291 1.3
 107 1,598 888 0.555695 1,154.0 1,876 1.2
108 710 434 0.611268 493.0 722 1.0
109 276 185 0.670290 183.5 229 0.8
110 91 91 1.000000 45.5 46 0.5

l(x)
1,200,000

1,000,000

800,000

600,000

400,000

200,000

0
0 20 40 60 80 100 120

d(x)
40,000

35,000

30,000

25,000

20,000

15,000

10,000

5,000

0
0 20 40 60 80 100 120
a)¿Cuál es la prima de un seguro total para x
usted por un monto de 250.000.000 COP,
i=10%? 15
i 10% 16
17
Entero 18
x 27 19
Monto 250,000,000 COP 20
M27= 3,159.3 21
D27= 75,956.17 22
Ax= 0.041594 23
Prima= 10,398,571 24
25
26
b) ¿Cuál es la prima si quiere que comience dentro de 15 años? 27
Despues de "m" años 28
Entero diferido 29
m= 15 años 30
M42= 2,797 42 31
D27= 75,956.2 32
Ax= 0.04 33
Prima= 9,207,073 34
35
36
c) ¿Cuál es la prima si quiere que sea solo por 9 años? 37
38
39
Por n años 40
Temporal 41
m= 9 años 42
M36= 2,921 36 43
M27= 3,159.3 44
D27= 75,956 45
Ax= 0.0031 46
Prima= 784,763 47
48
49
c) ¿Cuál es la prima si quiere que comience en 12 años durante 13 50
años? 51
52
Despues de m durante n 53
Temporal Diferido 54
m= 13 años 55
M52= 2,622 52 56
M39= 2,856.7 39 57
D27= 75,956 58
Ax= 0.0031 59
Prima= 771,449.26 60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
82
83
84
85
86
87
88
89
90
91
92
93
94
95
96
97
98
99
100
17
102
103
104
105
106
107
108
109
110
Dx Fallecidos Nx Cx sobrevivientes Mx
239,392.05 2,622,774.79 63.7653367865135 3,710.6
217,565.37 2,383,382.75 59.5512453389406 3,646.8
197,727.15 2,165,817.37 55.576366081947 3,587.3
179,696.38 1,968,090.23 51.9955410828454 3,531.7
163,308.35 1,788,393.85 48.9037536199432 3,479.7
148,413.23 1,625,085.50 45.8092635456224 3,430.8
134,875.31 1,476,672.27 43.118936724359 3,385.0
122,570.80 1,341,796.96 40.6508494371061 3,341.9
111,387.35 1,219,226.16 38.3766760420232 3,301.2
101,222.85 1,107,838.81 36.2723272835862 3,262.8
91,984.50 1,006,615.97 34.4851411370666 3,226.6
83,587.79 914,631.47 32.7231266264136 3,192.1
75,956.17 831,043.68 31.1351639229915 3,159.3
69,019.93 755,087.51 29.7546008739664 3,128.2
62,715.64 686,067.57 28.4823509906805 3,098.5
56,985.73 623,351.94 27.2476121604644 3,070.0
51,777.97 566,366.20 26.1914297318561 3,042.7
47,044.69 514,588.24 25.1882071233533 3,016.5
42,742.71 467,543.55 24.3075005805787 2,991.3
38,832.70 424,800.84 23.4143396018457 2,967.0
35,279.04 385,968.14 22.7091273839399 2,943.6
32,049.15 350,689.10 22.0268536785431 2,920.9
29,113.56 318,639.96 21.361155588246 2,898.9
26,445.51 289,526.40 20.8045843480926 2,877.5
24,020.57 263,080.88 20.261049115549 2,856.7
21,816.62 239,060.31 19.7850038453611 2,836.5
19,813.51 217,243.69 19.3376272009575 2,816.7
17,992.94 197,430.19 18.8910805688811 2,797.3
16,338.33 179,437.25 18.5470027313907 2,778.4
14,834.48 163,098.92 18.1779559280218 2,759.9
13,467.71 148,264.44 17.8599196493497 2,741.7
12,225.51 134,796.73 17.5628590254207 2,723.9
11,096.54 122,571.21 17.2752812527761 2,706.3
10,070.49 111,474.67 17.0166580359304 2,689.0
9,137.97 101,404.18 16.7815460206162 2,672.0
8,290.47 92,266.21 16.5492218948116 2,655.2
7,520.24 83,975.74 16.3401301815875 2,638.7
6,820.24 76,455.51 16.1410866468073 2,622.3
6,184.08 69,635.26 15.9421012948785 2,606.2
5,605.95 63,451.19 15.756974040293 2,590.3
5,080.56 57,845.24 15.4497108826822 2,574.5
4,603.24 52,764.68 15.1730035576465 2,559.0
4,169.59 48,161.44 14.9341681385075 2,543.9
3,775.60 43,991.85 14.7361923259403 2,528.9
3,417.63 40,216.25 14.5657386983319 2,514.2
3,092.37 36,798.62 14.4239179361774 2,499.6
2,796.82 33,706.25 14.3069327716059 2,485.2
2,528.26 30,909.43 14.2079851846134 2,470.9
2,284.21 28,381.17 14.1321649977998 2,456.7
2,062.42 26,096.96 14.0669082474492 2,442.6
1,860.86 24,034.54 14.0116624758456 2,428.5
1,677.68 22,173.68 13.9681804469446 2,414.5
1,511.20 20,496.00 13.927119193437 2,400.5
1,359.89 18,984.80 13.8895122109165 2,386.6
1,222.37 17,624.91 13.8525383425798 2,372.7
1,097.39 16,402.54 13.8087959080594 2,358.8
983.82 15,305.15 13.7589839491319 2,345.0
880.63 14,321.32 13.6973373689466 2,331.3
786.87 13,440.70 13.6222683010443 2,317.6
701.72 12,653.83 13.5270560668279 2,304.0
624.40 11,952.11 13.4101939671779 2,290.4
554.22 11,327.72 13.2671134314929 2,277.0
490.57 10,773.50 13.0941550430504 2,263.8
432.88 10,282.92 12.8875694368848 2,250.7
380.64 9,850.04 12.6425489587447 2,237.8
333.39 9,469.40 12.3555400594471 2,225.1
290.73 9,136.01 11.847584699767 2,212.8
252.45 8,845.28 11.3126342397385 2,200.9
218.19 8,592.83 10.751025451241 2,189.6
187.60 8,374.64 10.1646907561744 2,178.9
160.38 8,187.04 9.55532682785605 2,168.7
136.25 8,026.66 8.92590404080779 2,159.1
114.94 7,890.41 8.27979913014079 2,150.2
96.21 7,775.47 7.62108557748333 2,141.9
79.84 7,679.27 6.95442174810283 2,134.3
65.63 7,599.43 6.28575597662393 2,127.4
53.38 7,533.80 5.62161518538142 2,121.1
42.90 7,480.42 4.96844215772944 2,115.5
34.03 7,437.52 4.33396096778743 2,110.5
26.61 7,403.49 3.75320975400623 2,106.2
20.43 7,376.88 3.16966752440864 2,102.4
15.41 7,356.45 2.73895651871203 2,099.2
11.27 7,341.04 2.20248848538404 2,096.5
8.04 7,329.78 1.72823234648127 2,094.3
5.58 7,321.74 1.31917214937303 2,092.6
3.75 7,316.16 0.975745003544374 2,091.2
7,308.98 7,312.40 2089.05984479552 2,090.3
1.52 3.43 0.477374461632886 1.2
0.90 1.91 0.312249170261138 0.7
0.51 1.01 0.193477335801057 0.4
0.27 0.50 0.11252111645118 0.2
0.13 0.23 0.0608091415973715 0.1
0.06 0.09 0.0300609685122006 0.1
0.02 0.04 0.0133563271235617 0.0
0.01 0.01 0.00517578658956621 0.0
0.00 0.00 0.00231447950688219 0.0
1