x l(x)

0 100,000
1 99,998
2 99,995
3 99,991
4 99,986
5 99,981
6 99,975
7 99,967
8 99,959
9 99,951
10 99,941
11 99,930
12 99,918
13 99,904
14 99,890
15 99,874
16 99,857
17 99,838
18 99,818
19 99,796
20 99,772
21 99,747
22 99,719
23 99,689
24 99,656
25 99,621
26 99,583
27 99,541
28 99,496
29 99,448
30 99,395 exp claims
31 99,338 EPV CLAIMS= 37485.25 + 208497 +
32 99,276 EPV PREMIUM= 20.82946
33 99,209
34 99,135 prob alive prob dead discount factor 12196.63
35 99,056 1 0 1
36 98,969 0.999126 0.000874 0.97561 0.874673
37 98,875 0.998175 0.000951 0.951814
38 98,773 0.997139 0.001036 0.928599
39 98,661 0.996011 0.001129 0.905951
40 98,539 0.99478 0.001231 0.883854
41 98,406 0.993437 0.001343 0.862297
42 98,261 0.991971 0.001466 0.841265
43 98,102 0.99037 0.001601 0.820747
44 97,929 0.988621 0.001749 0.800728
45 97,739 0.986709 0.001912 0.781198
46 97,532 0.984618 0.002091 0.762145
47 97,306 0.982332 0.002287 0.743556
48 97,058 0.97983 0.002502 0.72542
49 96,787 0.977092 0.002738 0.707727
 50 96,490 0.974094 0.002997 0.690466
51 96,165 0.970813 0.003281 0.673625
52 95,809 0.96722 0.003593 0.657195
53 95,419 0.963287 0.003934 0.641166
54 94,993 0.958979 0.004307 0.625528
55 94,525 0.954264 0.004716 0.610271
56 94,014 0.949101 0.005162 0.595386
57 93,454 0.943451 0.00565 0.580865
58 92,842 0.93727 0.006182 0.566697
59 92,172 0.930508 0.006761 0.552875
60 91,440 0.923116 0.007392 0.539391
61 90,640 0.915039 0.008077 0.526235
62 89,766 0.906219 0.00882 0.5134
63 88,813 0.896595 0.009624 0.500878
64 87,774 0.886102 0.010493 0.488661
65 86,642 0.874673 0.011429 0.476743
66 85,410
67 84,071
68 82,619
69 81,046
70 79,344
71 77,507
72 75,530
73 73,405
74 71,128
75 68,697
76 66,108
77 63,363
78 60,463
79 57,415
80 54,227
81 50,911
82 47,483
83 43,964
84 40,379
85 36,758
86 33,134
87 29,544
88 26,028
89 22,628
90 19,385
91 16,340
92 13,528
93 10,981
94 8,720
95 6,759
96 5,101
97 3,737
98 2,650
99 1,813
100 1,191
101 749
102 449
103 255
104 136
105 68
106 32
107 14
108 5
109 2
110 -
cost to make premium claim
5000 + 2082.946 + 983.9289 254049.1